Will Cain Country - Brian Kilmeade: The Left’s Hero Problem: Why Are They Backing Criminals?

Episode Date: April 17, 2025

Story #1: The Left's three heroes: murderers, gang members, and criminals. How on earth did this happen? Plus, George Clooney and Jake Tapper play revisionist history.  A conversation with Host of... ‘The Brian Kilmeade Show’ on FOX News Radio, Co-host of ‘FOX & Friends’ & Host of ‘One Nation with Brian Kilmeade,' Brian Kilmeade. Story #2: Will, his family, and The Crew attempted to debate who the ten most famous people in the world were, but instead it morphed into a Lebron James vs. Michael Jordan debate.  Story #3: Tips on buying a home in 2025. A conversation with Chief Consumer Direct Production Officer at Pennymac, Scott Bridges.  Tell Will what you thought about this podcast by emailing WillCainShow@fox.com Subscribe to The Will Cain Show on YouTube here: Watch The Will Cain Show! Follow Will on Twitter: @WillCain Learn more about your ad choices. Visit podcastchoices.com/adchoices

Transcript
Discussion (0)
Starting point is 00:00:00 One, the left's four heroes to allege murderers an MS-13 gang member and other criminals. Why was it that the left has all of a sudden decided that they're heroes? And maybe not all of a sudden, but a trend that now has lasted for several decades, that the worst of us are the best. We break it down with Brian Kilmeet. Two, dinnertime conversation with the family. Top 10 most famous people in the world morphed into a debate with my sons, and I never thought this would happen in my house.
Starting point is 00:00:44 But LeBron v. Jordan. Three, how do you buy a home in this environment? Tips on the biggest nest egg in history. How to buy your home. It is the Will Kane Show, string to mod, Fox News.com on the Fox News YouTube channel and the Fox News Facebook page. 12 o'clock Eastern time every Monday through Thursday. Available for subscription at Apple or on Spotify.
Starting point is 00:01:17 We got Brian Kilmead coming up today, as well as a discussion on the top 10 most famous people in the world. at the boys in new york tinfoil pat young establishment james and two a days dan the um donald trump is without a doubt the most famous man in the world right that's not an american-centric point of view anymore is it i mean i think random person random country probability of saying of course i know who that is donald trump is number one could you imagine meeting someone who doesn't yeah i can't actually so like I don't think so.
Starting point is 00:01:54 That's my point. That'd be funny. What? Yeah, no, there's no one that doesn't know who is. I mean, I started thinking about this last night, and I got in this conversation. Taylor Swift, Vladimir Putin, the Rock, Ronaldo. Like, where does this go? How do you...
Starting point is 00:02:15 Who are the 10 most famous people in the world? We're going to break that down a little bit later today. coming up tomorrow I know this because I just got done with it gonna totally dork out going to give an hour to talking about the NFL draft we're one week away
Starting point is 00:02:32 I love it I can't explain it and we've got an old friend of mine Todd McShay who has a new show on the ringer called the McShay show and he's going to be streaming during the draft
Starting point is 00:02:42 and it's something I dork out on you know that I can't explain I try to understand understand about myself, but like two days, you're a big sports fan, and this doesn't do it for you in the same way it does it for me, right? Like, I won't, if I can't help it, I won't miss the first four rounds. That doesn't mean I'll be parked, but I'll have it. Like, I'll be streaming it on my phone, listening, I'll be having it on TVs as I walk around the house, doing stuff. It'll be on a round for four, for three days. I just think, I mean, my team has
Starting point is 00:03:16 all the things we need, so I just don't have to worry about the draft as much as you do. Yeah. No, I like it a lot. No, but. Yeah, go ahead. I was going to say, but you don't love it. Like, I start reading about it. I read Dane Brueglars the Beast.
Starting point is 00:03:32 I play with mock draft simulators. I listen to podcasts. I want to know who's going to be available. And I want to think about, I love the sequencing. Like, well, but I could maybe get that guy in the third round. I was telling you, I think it may be like shopping for men. It is. I mean, you can talk about it.
Starting point is 00:03:52 Hey, Brian Kilmy's here. Brian Kilmy's coming here. Yeah. Right there. That one, yeah. So, yeah, you can talk about it. It's like what guys talk about. It's the gossip.
Starting point is 00:04:02 It's everything you need. It's, you know, the thing you can talk about for the next few weeks. And I think, like shopping, it's so great before. It's so shiny when you're in the store. And you take it home. Maybe it's good. Probably not. And then you're back next year.
Starting point is 00:04:18 That's exactly how it feels. Like, it's a huge. letdown Monday after the draft. I don't care about your draft grades. I don't want to talk about who did well. I just care about it before it happens. And then the next time I care is training camp, see how they're doing. So anyway, tomorrow, a full episode, a full hour with Todd McShay, absolutely breaking down the NFL draft. We can't keep the star waiting. Let's get to it with story number one. The host of the Brian Kill Me Show at Fox News Radio, one of the hosts of Fox and Friends. For what, what are we, what are we on, Brian?
Starting point is 00:04:50 25 years? Yeah, about that. How long have you been hosting folks? About that. Yeah? Yeah. I mean, what do you think is too much? Like, what is too long?
Starting point is 00:05:03 Like, Will. For who? For me? Yeah. For the audience. Yeah, let's think of the audience. Well, I don't think the audience thinks there's too long. I don't.
Starting point is 00:05:14 I really don't. No, I really don't. I'm not just trying to be nice. Yeah. I don't. I think for you, that's an interesting question. question. Like, do you ever get tired of doing the same thing for 25 years? Do you love it every day that you wake up? Do you want a new challenge? I think that's actually interesting.
Starting point is 00:05:30 I mean, the thing that this changes, the jobs change so much. A lot, the nature of the news, radically, the competition. I mean, when I first got the job, it would be like, okay, you do cable for a while, you see how far that can go. And then, you know, then the today show is the major leagues. But now it's not clear there is an NFL. Like the network. is in NFL. I don't think so at all. Everything's been flattened out and changed. So you just were lucky enough to have got on a network that only got better and bigger. But at the same time, it's impossible not to notice what you're doing now and podcasting and what's going on with the people becoming their own journalistic force about what's happening. So I just think
Starting point is 00:06:12 it's great to be able to talk about things that matter most. How different is Fox and Friends from when you first started, like how you covered the news. Would you say, like, 20 years ago was a vastly different show? So this is what we used to do. We used to get in. I remember I had a conversation with the vice president. I said, listen, do you think it would help to have a BlackBerry? Because people can keep in touch with the news.
Starting point is 00:06:35 You can get in touch with them. They're like, yeah, let's think of it. No, we don't think. We just need to get in touch with the producers. You don't really need to be text message or anything like that. And I thought, all right, maybe things will change. Now, can you imagine not doing your show? without text messaging, be able to pick up your phone and follow the news.
Starting point is 00:06:52 So we used to come in, we used to have a stack of pages like this, and it would be not going to do it. Try to anticipate where we're going to go. And then we'd have an executive producer come in with a pencil. And he didn't want to get there too early. He was great. Matt Singer-man did a great job. But he would get in at 540 and go, yeah, I think we're doing this.
Starting point is 00:07:11 Write it out in pencil. And then we would write it down as he wrote it, and then we'd go out and do the show. literally there was almost no production value no full screens so we'd have some tape we'd go to and now you know we have a per we have a reporter before a talking point talking point to a reporter production values to everything right what you're doing right for an hour of what you do with this no you know I'm still learning I mean I've only been doing my own show for whatever it's been three months and uh yeah I mean I'm still learning the how you produce a
Starting point is 00:07:46 TV show. And I'm also trying not to produce a TV show. So it's a yen and a yang for me I'll figure it out. But one thing that you learn is TV is a visual medium, very different than this, even though we're on YouTube and Facebook right now. But you have to keep television visually stimulating the entire time. A great conversation, honestly, it's just difficult on television. I see the numbers. I see the ratings and how it goes. Like, you've got to have something on screen to look at, which is the exact opposite of podcasting. For example, remember they told us in today's day and age, it's got to be a lot of flashes, a lot of movement, it's the MTV generation. Everybody's got ADD. Okay, then explain the format of podcasting. Where you open up,
Starting point is 00:08:30 hey, how are you doing? Nice shirt. What are you doing? You see the traffic? So you have small talk. I go, wait a second. I thought we were the ADD generation. We need so much stimulation. how can that be and podcasting thrive they work against each other don't you agree yes but and i'm very cognizant of this with the will cane show because when i first got the show and the conversations that i've had since then it is seen as a bridge between the two mediums they they and i want it to be but i also respect that different mediums have successes for different reasons. It's not just that you should take a podcast and put it on TV. You could take the Joe Rogan show, which is obviously hugely successful. And you could put it on CNN. And that doesn't mean it's
Starting point is 00:09:18 going to rate. That doesn't mean it's going to do very well because it's a different platform. And people do different things as they consume different platforms. You know what I mean? Oh, yeah. Now, over time, over time, Brian, I think that's going to merge because as all these screens become one and that's what's happening you know um there's no difference between a podcast and a digital streaming show there's going to be less of a difference between a digital streaming show and a television but for now i remember and i think it still matters and i was just watching and i think i read an interview by bill o'reilly and o'reilly said in doing the factor i never forget that someone is sitting on their couch with the remote control in their hand and their thumb
Starting point is 00:10:00 on the button to change the channel, waiting for you to bore them in the slightest possible way, and then they click. Yeah, he was a producer, he is a producer and a host, no question. By the way, and I've said this before, and you know this true,
Starting point is 00:10:12 I love your show, and it's Will Kane, and it's different, but yet you know what stories America wants, which you simultaneously care about, but it's really unique, and I'm always winning this thing
Starting point is 00:10:25 because I'm in the car at this time, always. I was catching Neil Cabuto for years, always would catch his show. and I'm always around at 4 o'clock. So I'm listening every day. It's fantastic. It's a mix, a long form, short form,
Starting point is 00:10:36 and it's a perfect blend with this. And I think that you are enjoying it. Am I correct? I am. I'm angsty. I talk about our bosses with this all the time. Because I have a vision, and we're not there yet on our vision,
Starting point is 00:10:50 and I'm angsty, and I want to get there, and I'm enjoying it. But that is what enjoyment is to me. Enjoyment isn't just chilling. Like, enjoyment is like, I'm creating, I'm creating, I'm shaping,
Starting point is 00:11:00 frustrated. I'm angsty. That's just part of who I am. Like if I look up and it's just like easy and fun every day, I'll probably get bored pretty quick. You know what I mean? Well, but plus what the one thing that did at Fox is they give you numbers every day. And the one thing that ride your rails is always like, yeah, I want you to know if you're winning or not. I want you to know where your demo is. So I thought that was interesting because for a lot of places, that's for the management to know. You just do your job. Here they go, no, no, your job is to win every day and can figure it out. So I, that That's what I love, like that sports mentality. No, you've got to win.
Starting point is 00:11:33 You don't have to play well. You've got to win. If you're not winning, you know, I don't know if I can keep you. You take up too much room with the salary cap. We're going to have to make a trade. So that's what I enjoy about Fox. And like I talk to a lot of people that are on the networks. They have no idea what their ratings are.
Starting point is 00:11:47 And I feel like going, I know what they are. And it's not good. I know. Yeah, totally. I look. This is a new thing for me. I look every day. And I look at the other people as well.
Starting point is 00:11:58 So I know. All right. want to show you this, Brian. I don't know if you guys did this on Fox Friends. I did this yesterday on the television show. I find this fascinating. Let's put this up, two days, this tweet by Peachie Keenan, who is a journalist, a deep thinker on the right. And she said this. She said the Democrats' top four heroes in America are now. One, a murder named Luigi, that's Luigi Mangione, the alleged killer of the United Healthcare CEO. Two, a murder named Carmelo. That's the alleged murder of Austin Metcalf at a track meet in Texas, three in MS-13 illegal gang
Starting point is 00:12:34 member, that's Ebrego Garcia, and four, a Palestinian Hamas supporter. This is Mahmoud Khalil, the Columbia protester that they're deporting. I think that's, I really thought about this, Brian, and I thought, is that unfair? Someone on the left would say, we're standing up for principles in each and every one of these situations. The person is not the point. The principal is the point. But in totality, where you're making your stand on your principles, it's pretty interesting that the thing you talk about most are some of the, I don't want to call them the worst people, but the alleged, the accused, worst in the news. Well, a couple of things. It really, those four people you mentioned, the only one that's
Starting point is 00:13:24 not clearly a democratic cause is Luigi. You know, that's a murder of a CEO, and you just might say to yourself, my family's been screwed by a health care company, so therefore I like the guy. But you wouldn't like the guy if he looked like the, let's say, would be assassin of Governor Shapiro, a guy looks like a vagrant, hooked on meth. This guy's a good-looking guy. He assassinate somebody. I mean, you could say alleged all you want, but we caught him on camera, just executing somebody,
Starting point is 00:13:51 and we see the whole thing. we see the plot and the plan and so he did it so to me it's a lack of values and ethics amongst these people no question about it and when you look at macmood calil you just if you are supportive of him you are you are for umas and Palestinians so i mean you could you could decide to be on the wrong side of right and wrong go ahead but there's no there's no glory in uh there's no glory in that the ms 13 guy who's in el salvador those are those are three three of the these are political pawns. I want to stand up for the Palestinians because you think more people are for Palestinians than for Israel. You don't really think anti-Semitism is a big deal. And you
Starting point is 00:14:32 might have a problem with our health care company, but you said nothing about it. And this guy doesn't even stand for anything. He had no problem with the U.S. health care or whatever the company this guy represented. This guy was just bizarre, out of his mind, and was dead set on killing somebody. He had back pain. But no, but no health care company rejected him. So you could name those four people, but I think it's more of an indictment on, you could, an indictment on what Democrats think they have to use to get traction. That's maybe the interesting part. So if I had Glenn Greenwald on the show right now, and I've had Glenn Greenwald on the television show talking about the Mockmood Khalil deal, he wouldn't
Starting point is 00:15:14 sit here and go, I love Mokmood Khalil, I don't think. What he would say is, I care about free speech and the United States dedication to the concept of free speech, and yet you are violating that dedication by deporting Mahmoud Khalil because of the things that he said and he has supported. Similarly, I think some, maybe even like Trey Gowdy, I think I saw him the other day, who's not on the left. With Abrago Garcia would say, I care about due process, you know, in violating a judge's order in deporting this guy, not that I care about an alleged MS-13 member. But what I find of note is and I don't think I'm being unfair when I say
Starting point is 00:15:55 the totality of the people that become those that you champion these are the four of the moment in the past we've seen Zokar Sharnayev romanticized the Boston bomber we have seen in the 70s the Puerto Rican separatist movements
Starting point is 00:16:12 you know and then those guys were pardoned those were pardoned was it by Obama that pardoned those guys or Clinton that pardoned those guys so you keep coming up with the examples that kind of leads you towards this right in totality what does that say about your movement um I think people are looking to rally behind something something that matters you know you were before I hopped on you were talking about the NFL draft and people are looking for their own teams their own
Starting point is 00:16:42 colleges now all of a sudden oh you know what my cause is this and you know who's a symbol of my cause it's that but I think that somebody was I heard someone talking about the first time we started really romanticizing bad guys were Bonnie and Clyde when you were actually pulling for the criminals in a movie. And that's what it seems like now. We're pulling for the criminals. But usually the criminals who went out of their way, for example, a dad who sees the rapist of his daughter in the courtroom and before conviction walks up and blows his head off. Then you could say, well, you know, I appreciate, I know that dad goes through and that guy is worse than the devil. I understand that. But when I look at the four people you mentioned,
Starting point is 00:17:20 as an American, I have zero. I have nothing but animus to their direction. And I think evidence of what you and I are talking about, that not for everybody, but so the left can go one of two ways. They can start finding positive figures to be their champions and suggesting this is their vision of America. Or you're in this position where the four people you talk about the most are the ones we just discussed.
Starting point is 00:17:47 And while there's some Greenwald perhaps or others that, Rest on principle. There are others, like Taylor Lorenz, who say this about Luigi Mangione. So you're going to see women, especially, that feel like, oh, my God, right? Like, here's this man who's a revolutionary, who's famous, who's handsome, who's young, who's smart. He's a person that seems like this morally good man, which is hard to find. she's purring man that's the word i use it i mean like Luigi i mean she'll give you the number i'm sure right yeah and you always know where he's going to be every day so that's an attractive part of the relationship too you can
Starting point is 00:18:32 you know exactly uh but the other thing says so he's you know he's basically described everything he's not except for he's got thick eyebrows even his family doesn't like him do you notice that's family of wealth, we thought we were going to be seeing brothers and sisters and explanations. We don't hear anything about this guy. So anybody who thinks beyond the murder, he's pretty good guy, I'm pretty sure their family figured it out too. I didn't even hear about his mom. So there's no one even pleading his case. In fact, this guy's not pleading his case. Evidently, he doesn't even love the letters. He, you know, this guy is somebody hanging out in prison. But I tell you, if you're a Democrat, you've been basically caught up in a trap because
Starting point is 00:19:13 Because when it comes to this latest guy, Kilmar, interesting first name, Alberger Garcia, this is a total trap. I mean, the more we find out about this guy from, we find out that he was pulled over, drive without a license, six months in jail, seven people with him. The FBI takes pictures of him, one of which is on the terror watch list, beats his wife at least two times. She'd call the cops for an order of protection. Then we find out when he gets picked up. He's got rolls of money and hanging out with the worst of the worst. And he might even be a higher up in MS-13. And I'm looking at this Senator Van Hollen and next week, Cory Booker, good luck with that.
Starting point is 00:19:53 When I told you, if you're 100% right, this is a trap. The Maryland man, the Maryland father, if you're Chris Van Hollen, Democratic Senator, just made that trip to El Salvador. I hope you've done your research. I hope you've done your background check. because you have gone all in on a guy that at the very least there's some pretty compelling evidence that he's bad dude okay and there may be more that comes out about this dude so if there's more that comes out yeah you just cast your lot with him and the rachel morin's mother thing yesterday was incredibly emotional and compelling she made the appearance with caroline levitt and talked about brutal details of how her daughter was married is that your hour by the way was that last yeah 15 20 minutes of my hour yeah do you know that you were the only network to take it you the only show to take i did see that yeah i did see that CNN and MSNBC and others nothing
Starting point is 00:20:51 nothing zero minutes uh crazy yeah so so a woman that's raped with five kids by an illegal immigrant really not compelling enough you know we've got to i i guess they were talking baseball or something on the NBA excuse me NBA playoffs uh on CNN i think that instead of this No way. Yeah. They were talking NBA playoffs? Yeah. NBA playoffs.
Starting point is 00:21:13 They were, one of their topics during that period was they were talking about NBA playoffs, just stuff. But you don't want to hear that story because the senator from Maryland is in San Salvador trying to get into a Supermax prison when he knew he wasn't going to get in. So good luck with that. Incredible. Let me have to talk about that later. Okay. So what we're talking about beyond principle now, which I think we address some of that, the political side of this. you're in a bad spot democrats like you are in a really bad spot in how this plays in the public's mind
Starting point is 00:21:45 and it's just a reflection of how lost you are and finding something that represents you and it's positive and so then i give you brian george cloney on cnnonin yeah talking about the way the role that he played and basically taking down joe biden watch it was a civic duty um because i found that people on my side of the street. You know, I'm a Democrat. It was a Democrat in Kentucky, so I get it. When I saw people on my side of the street, I'm not telling the truth. I thought that was time to... Are people still mad at you for that? Some people, sure. It's okay. You know, listen, the idea of freedom of speech, you know, the specific idea of it is, you know, you can't demand freedom of speech and then say, but don't say bad things about me. Right. That's the deal.
Starting point is 00:22:36 you have to take a stand if you believe in it take a stand stand for it and then deal with the consequences that's the that's the rules and so when people criticize me they criticize me because of my stance against the war 20 years ago and people picketed my movies and they put me on a deck of cards and i you know and that's the that's i have to take that that's fair i'm okay with that okay um there's a lot there but before i even get into the substance ryan i've talked about this several times. I read this once and I don't remember who said it. I've always attributed it to Ronald Reagan's communication advisor because I think that's where I read it individually. He said it's 80% how you look. It's 15% how you sound and 5% what you say. And as I'm watching that, I keep,
Starting point is 00:23:22 I mean, if you're listening on radio or on Spotify, Apple, George Clooney's hair is dyed like jet black, which to be fair is because he's promoting and playing Edward R. Murrow on Broadway. But I'm just sitting there looking at the way he looks. And not in a positive or negative way. I'm just going, why does he look so weird right now? He looks weird in that clip. And the second thing is, but he is a good communicator. Like his voice cadence, his up and down, his deep voice.
Starting point is 00:23:52 And I sat there and watched that going, I don't think I have that. Whatever that is, he's got that. Like, he can carry an hour. Well, put it this way. I think you're aging a lot better, Will. I don't know if it's moisturizer, what you're doing. But he is, I mean, he was twice. the world's sexiest man, which, I mean, to go back to him, are we out of sexy men that you
Starting point is 00:24:10 got to make him a return sexiest men? But having said that, do you notice that in the interview that he's really standing next to Joe Biden at that famous event where he decided at that moment that Joe Biden cannot be present again? His shirt was buttoned down just shy of his navel. Now, I'm not one to judge about dressing casually, but I mean, how could that have been a good move? Were you out of buttons? Was it the shirt on? Almost ripped off. But the other thing about George Cooney makes him seem totally insincere. And you know this because I think we've done this show together when it was, we were probably on together or in the roughly at the same time when he did this.
Starting point is 00:24:47 He has this event and Joe Biden's got to fly back and forth twice. He's got to go from the G7 to the G20. And in between, he shows up at George Clooney's Hollywood studied event for a fundraiser. You would think any handler would say, Joe, just zoom in. You don't need to show up. It's too much. You're 111 years old. You don't look good anyway.
Starting point is 00:25:04 But he does it. So he's catatonic. When that comes to an end, he says nothing. He speaks up after the debate. So if you have courage, you speak up in 2022. You speak up after that event before the debate. But it doesn't take any courage to speak up first. And then he gets, evidently, he picked up the phone according to one of these books.
Starting point is 00:25:26 And called God's morning Joe when Mika said he was put up to it by Barack Obama. How dare you say that? So, I mean, this. guy comes off cool and let me just do the right thing as an American. Total manipulation. And lastly, he does back Obama when he says, we wanted to make sure that there was a somewhat of a jungle primary, mini primary, to pick the best candidate. So he wasn't for her either. Either was Obama. It was Biden coming back around and saying, I'm going to show you. I'm going to pick the person we all know is incompetent and terrible and unpopular. So he got the ultimate
Starting point is 00:26:03 say so and in the end do democrats just lose all across the board he wants west more evidently i saw that he likes west more which by the way we've discussed it here on the show honestly he may be right on that i mean it may be the best worst option or the yeah the best worst option for democrats i don't know there's nobody else like gavin newsome i don't see it stephen a smith i don't see it um but back to george cluny give me a break on your civic duty you laid the case out of out well. I mean, he knew beforehand that Joe Biden was not in good shape. You weren't just
Starting point is 00:26:39 telling the truth. It had become obvious that he couldn't win. That's when you decided to say something about it. And you were put up to it by Obama. So don't give me this civic duty stuff here today. That's just beyond rich. By the way, last point on this is
Starting point is 00:26:55 the declining cultural influence of somebody like George Clooney. And you're in my lifetime movie stars like George Clooney, the world's sexiest man. that mattered. I don't know that it mattered to Washington, D.C., but it mattered to America. Like, if he said something, it influenced people.
Starting point is 00:27:12 In my world now, George Clooney's voice on politics means almost nothing. And it certainly means, it certainly means less than, honestly, Theo Vaughn, Shane Gillis, Andrew Schultz.
Starting point is 00:27:28 Yeah, I would think so, too. The other thing is just movies are down. You know, movies used to dominate. You dominated the box. office. He was money in the box office. Tom Cruise probably still is, but so what? Mission Impossible. He is a big hit. Okay. I just feel as though Hollywood, the whole entertainment. That's flattened out too like broadcasting has. And you look at, it's that Netflix show. I never saw that guy before, but it's a good show. It's okay. Start
Starting point is 00:27:52 with me. But I'm going to move on with my life and not ask what he does for a living, how he feels about our culture, who he voted for or she voted for. We just move on. And I think that Hollywood, By the way, they don't do anything in California anymore either. So there really is. Hollywood's a name only because they literally can't afford to tape anything in California. Nobody. First it was Georgia. Now it's Romania.
Starting point is 00:28:16 Now it's South Africa. Now they go to Egypt because there's all these incentives to bring movies out of the country. That's another problem. I saw Rob Lowe talking about that. I saw a clip of Rob Lowe saying nothing is made in California and won't be. You have to go to New Mexico or Texas or international. to your point. Last thing, Brian, this caught my attention.
Starting point is 00:28:37 I actually want to have been doing it. I don't think I'm going to do it today, but I've been wanting to do this. Tax Day was just the other day, April 15th. It's interesting how, for a lot of people, it may come and go because you've already paid your taxes, because your company, most employees, I don't know what the percentages are these days, are W-2 employees. They withhold on you, they pay your taxes throughout the year, you do nothing on tax day. If you've ever had to write a check because you're a freelancer or anything like that,
Starting point is 00:29:06 then you understand the pain of tax day. Like, writing a check to the government is a, it's a painful process. I didn't know this, Brian. Milton Freeman famed free market economists actually championed the idea of withholding. He thought it was a good idea back in the 1930s or 40s. He came to regret that. Here is Milton Frieden. As I said before, keep your...
Starting point is 00:29:31 eye on one thing and one thing only how much government is spending. Because that's the true tax. Every budget is balanced. There is no such thing as an unbalanced federal budget. You're paying for it. If you're not paying for it through it in the form of explicit taxes, you're paying for it indirectly in the form of inflation or in the form of borrowing. The thing you should keep your eye on is what government spends. And the real problem is to hold down government spending as a fraction of our income. And if you do that, you can stop worrying about the debt. And he said that later, you can't control government spending if taxes are simply confiscated from you along the way with withholding because you don't pay the price. So no way
Starting point is 00:30:18 cares about government spending. You do, you do pay it, but it's much less painful. I would love to go back to a system where everybody had to budget and write a check to the government. Absolutely. And we'll add something to that. Not only when you have withholding, you look at your check and go, how much did I net? Right. You don't really, when we used to get paychecks, now we don't even touch our money. Direct deposit. What's the total? I'll go in, transfer money, pay on your card, touch it and we go. So we're not even looking at the stub anymore. So if we're not even, the discipline to flip it over and say how much is going to health care and how much is going to the state, how much is going to the state, how much is going to. the federal government, how much is going to the city, now we don't even, now we don't even get it. So we just say how much are being paid. So you don't even think about it. But if you and I do speeches for $100, if they, you know, do you realize $55 or it's going to the federal government? Everything you do privately, you know, the small businesses know that every day. So every single day, they really are on top of things. When you're a private contractor,
Starting point is 00:31:23 you get that 1099 and you get that money. Just know that's not your money. One of the biggest mistakes you make is thinking, well, look at the money I have. I worry about that at the end of the year. That's why people hate the day. You got to pay it back gradually, but it makes people really love Doche and to govern efficiency. If you're going to take my money, at least use it right.
Starting point is 00:31:41 Don't give it to a Whoopi Goldberg to start speaking positively about the Democratic Party or anybody else to put their, you know, put together their own mission. There's another story out there that she was getting paid money to talk about positive things about the Biden administration. So I'm curious to see where that
Starting point is 00:32:03 goes. Yeah. Oh, I missed that. That's fast. And we know Stacey Abrams, billions of dollars for something new she knew nothing about. $100 a year before. It's our money. It's your money. Right. And you should have to write the check so you know and you care how much you're giving them. That's the only way. The digital thing is such a great point. It's why health care costs go up. every year because it doesn't feel like it's your money because it's through insurance right so everything if it's third party if it's third withholding the less painful it is the less we remember it's our money and so i don't know i think we have to go back to writing checks so will the host of the brian kill me show and fox and fritz what's up brian uh the one thing i want to say the 1099 i have is
Starting point is 00:32:47 i do those live shows on stage and i'm going to give you an opportunity and if you want it it's in August 23rd. I'm going to be on stage in Dallas with history, liberty, and laughs. And it's a venue that's way too big, 2,200 people. Briankillme.com. You could see an example. They're probably going to stream it on Fox Nation, where I bring history to life. And I added Pete to this one year, the Secretary of Defense. We had Rachel in there. We had Carly when I came to New Jersey. Don't you make them dress up? Don't I have to dress up in like colonial garb or something? That's what I heard.
Starting point is 00:33:24 I go back in time. I transport you in time. So I'm not going to make you act out of your character. I'm just going to tap into your passion for patriotism. But August 23rd. So I want to see it, Briankillme.com for tickets. All right. Family and friends of Wilkinson.
Starting point is 00:33:42 And I will be there. August 23rd sounds like a good date to me in Dallas. Check them out at the Brian Kill Me show on Fox News Radio. Thanks so much, Brian. All right. Stay within yourself, Will. I will. All right, let's take a quick break.
Starting point is 00:33:54 When we come back, the top 10 most famous people in the world, where does Donald Trump rank next on the Will Cain Show? It is time to take the quiz. It's five questions in less than five minutes. We ask people on the streets of New York City to play along. Let's see how you do. Take the quiz every day at thequiz.com. Then come back here to see how you did.
Starting point is 00:34:17 Thank you for taking the quiz. This is Jason Chaffetz from the Jason in the House podcast. me every Monday to dive deeper into the latest political headlines and chat with remarkable guests listen and follow now at foxnews podcast.com or wherever you download podcasts podcasts. the Willisio. Spring in two days, Dan, Young Establishment, James.
Starting point is 00:34:57 So, last night at dinner with the family, sitting around talking, and it came up like, well, I mean, I sound so now that, I feel like I have to say this to say it to set it. Dad,
Starting point is 00:35:14 who do you know, you know, you know, I'm sorry, about to sneeze. God bless you. that who do you know, where are they in the most famous people in the world? So we got to talking about it. And we started debating family style, first take style, the most famous people in the world. And it was pretty fun.
Starting point is 00:35:38 Will Cain. And I was like, well, I'm going to go to AI, and I'm going to ask AI. I use perplexity. It's my favorite right now. And I asked it for the 10 most famous people in the world. And I was actually disappointed in its results. and I said, wait a minute, you've got to include pop stars because I feel like it was athlete heavy and they're like, oh, okay.
Starting point is 00:35:59 And then I said, wait a minute, you've got to include politicians like world leaders because I want to know random dude in Nigeria, hey man, have you heard of this person? And who has the highest hit rate? But not just Nigeria, obviously Venezuela, you know, Nevada, Romania. I want to know all over the world. and by the way there's a lot of people in India in China so I didn't even think about that because there's a chance well there's a chance some cricket star should be in here that I've never heard of well LeBron like crickets actually yeah crickets's huge in India obviously you know
Starting point is 00:36:39 in Pakistan and that's a lot of people that's true China's a huge wild card in this I'm going to give you the top 10 but now I'm thinking about it like she go up I should have I should have prompted it include Chinese and Indian stars because there's just so much population China loves the NBA though Yao Ming would be up there so that's a big factor
Starting point is 00:37:00 All right I'll give you the 10 you tell me if you think somebody's missing along the way and what we think I'm going to give you 9 and 10 together first number 10 Selena Gomez
Starting point is 00:37:11 Number 9 Beyonce Okay I'm a little surprised Not at Beyonce but it's Selena Gomez. Now this is probably my age. James, you're 25. Is she that big?
Starting point is 00:37:26 We grew up with her. A song? Do I know a Selena Gomez song? You do if you heard it. What is... You would. Okay. We grew up with her too. Disney used to be kind of like a monoculture that every kid would watch and she had a couple famous
Starting point is 00:37:43 shows on there too. Before we became a singer. Is she international? I mean, I know she is Europe. up in places like that. But like... Latin America, too. Is she outside... How about this? Is she outside of Western culture?
Starting point is 00:37:55 Like, will she... Is she big in Central America? Does she big in Asia? I think she has Spanish versions of her songs, too. I could be totally wrong, but... I think I just saw that on Spotify. Yeah, she's huge. I mean...
Starting point is 00:38:12 Yeah, she does Spanish versions of songs. I mean, her monthly listeners are 56 million on Spotify. a month. It's a lot. Well, this gets to number eight. Like, what is the measurement? My son started talking about Instagram followers. And I said, Instagram is only one metric. I think it matters, but that's one, you know.
Starting point is 00:38:35 And I'm more interested in just general name recognition. I know who that is. And if you ever overestimate the public, watch, you know, Johnny on Waters, on Jesse Waters' primetime. And you'll remember exactly the depth. of the public's full knowledge showing the stuff. But number eight, LeBron James. I thought LeBron would be top ten. I think basketball is incredibly international.
Starting point is 00:38:59 He's far and away the most famous guy in basketball right now. And I only say right now because I never thought this would happen. I'd never eat. I don't think in my years in sports, in five years on first take, and three years of the Will Cain show, I don't think I once had a LeBron versus Jordan debate. really good for you maybe once on first take you're the only one
Starting point is 00:39:24 I know it's I'm not gonna that's why I'm not gonna do it because everybody does it it's so trite and worn out so who is better but we ended up in a debate last night because my sons had the nerve
Starting point is 00:39:36 to say LeBron I was like you're you're morons you're at a point like you're so young it's not even close that shows age that's what I said like it's Jordan far and away
Starting point is 00:39:48 And then they try, and get this, my 13-year-old tried to argue, LeBron would have been more successful in Jordan's era than Jordan LeBron's. And I said, now you've killed it. Get out of here. You love that, James? Do you buy that, James? I get why you're making fun of it, and that could be true. But he's also a far superior athlete to anyone in that era.
Starting point is 00:40:13 Because he's accumulating for the current standards of the game. Overall, I mean, I think the biggest. thing we took away from watching the last dance at one point was just the comparison of like nowadays they have all these super pliometrics and crazy like sleep and diet and workouts and like back in the day Jordan
Starting point is 00:40:30 after a game's like smoking a cigar and having a six pack and he's got a game the next night you never see that in the NBA today so I do think there's a chance that LeBron physically might have overpowered some folks in that time. Okay first of all listen to this conversation take off
Starting point is 00:40:46 we're doing top 10 Muslim's people and also we're knee-deep. We're knee-deep in LeBron v. George. But I'm going to say this. I'm going to say this. The idea, you're tempted to do it because LeBron is, what, 6-8, 6-9, 250, so he's got the size. But the physicality of the 90s compared to now isn't comparable. So LeBron better get...
Starting point is 00:41:11 Doesn't matter. But the point is, LeBron lives in a space now that is not transport. portable. So Charles Oakley and Bill Lambere banging on him for a full game is way different. I'm not saying LeBron couldn't handle it. Dennis Robman, where Jordan would walk into today's game with the amount of space that they now have in the game and quite honestly, the lack of defense, the softness of it, and the fouls that are called. And I mean, Jordan might score 60 a night. He would average 80 points. No, average 80 points right now in today's NBA.
Starting point is 00:41:46 It's Jordan. All right, at number seven on the world's most famous people, friend of the Will Kane show, Dwayne the Rock Johnson. Now, this is one of the reasons this conversation came up last night. And we all expected the Rock to be a top tenor, maybe a top fiver. But as I look at this list, I'm not sure he beats anybody in the top five. But the Rock is huge. At number six, Elon Musk, world's richest man.
Starting point is 00:42:17 I'm a little, I'm not sure. You think? Worldwide, absolutely. He's way, I'm surprised not higher on that list. I'll put him at top three. Definitely Europe. Yeah. I think probably Asia.
Starting point is 00:42:32 China. Yeah, of course. You think South America, Elon Musk is top of name, top of mind? Yeah, absolutely. Especially the past six months. Yeah. I think he's number two. Let me stay in this category.
Starting point is 00:42:47 Um, not making the top 10 Bill Gates. Do you think there's a big drop-off there on name recognition? Yeah, overseas probably not. So I asked chat. And even, go ahead. I asked it to give a Hegseth a definitive number. And it said, somewhere in the top 500. 500?
Starting point is 00:43:10 Um, I don't think. I actually don't think that's probably, I don't know. Gates would be up there. I would say Gates top 30, top 20. What about Bezos? Lower still, right? Lower still. Name recognition, not so much. We know it a lot because what we do for work. But I don't think anywhere else in the world you're going to get that same reaction. Yeah. All right. Number, so this is if the rock was going to climb into the top five, you'd have to beat one of these. At number five, Lidal Messi. I think...
Starting point is 00:43:44 Big time. without a doubt, worldwide, well-known. I mean, the point is not America on this. It's everywhere else in the world. And he's known in America now. Coming to Miami, I'm sure hugely helped him with name recognition in America. At number four, Taylor Swift. I buy it.
Starting point is 00:44:05 Yep. Dan, you watch White Lotus. I watch White Lotus. Did you realize that they said the most famous person on the cast of White Lotus, season three was actually the actress playing the uh massage therapist or or waitress who dated the security guard yeah she's a huge pop star huge yeah they said huge just headline coachella so korea china japan all those worlds she's massive far and away the biggest star on that set yep um and i don't see any of these
Starting point is 00:44:45 like cricket, I don't see any K-pop stars on this list. So I'm wondering, like, does Taylor Swift transcend all those other genres? Is Taylor Swift big in India? Is Taylor Swift big in China? She sold out worldwide. I mean, everywhere. She's that big. Okay. Yeah. At number three, Cristiano Ronaldo. Yep. I knew Messi and Ronaldo would both be top five. I think it's true.
Starting point is 00:45:09 Outside of basketball, no American football player, not Tom Prady, is making the top 10. No. no baseball player it's these two soccer guys at number two Vladimir Putin and I buy that like worldwide name recognition
Starting point is 00:45:25 and what's up what are you guys giving each other hand signals no okay there's a new story break we got a surprise for you later yeah
Starting point is 00:45:38 oh a new story breaking we're thinking of two different things something not good Yeah. Now we're totally on the wrong page. Okay. At number two, Vladimir Putin, and at number one, most famous man in the world, Donald Trump. Yeah. And I think that's probably true. That is your top ten most famous people in the world. Two days.
Starting point is 00:45:59 I think we're missing one that's ahead of Selena Gomez, Beyonce. Musician Justin Bieber. I think he is higher on that list than those two. Really? I think he would be about a number eight, number seven. Justin Bieber worldwide. I don't think he's about Beyonce. say? He's close. I mean, he's definitely up there. I mean, just in terms of worldwide acknowledgement, he's huge, does tours in Asia, across China, Japan, everywhere. I think he's
Starting point is 00:46:25 notably missing from that list. All right, James. So on our chat, GPT search, one thing we've done is when you ask it a question, first you say, can you ask this question to give the best possible prompt and it said things like based it on pure recognizability and name recall across cultures languages age and continents imagine dropping their name or face into a random village or airport or classroom on every continent and it gave a similar list but it was a little different based because it just gives who was number one um rinaldo then messy then trump huh well interesting maybe like okay buying a home was one of the hardest things to do and one of the most important life decisions. What are the metrics? What are the tips? How much should you be spending of your total
Starting point is 00:47:15 income on your home? Let's get into that when we come back on the Will Cain Show. Hey, I'm Trey Gowdy host of the Trade Gowdy podcast. I hope you will join me every Tuesday and Thursday as we navigate life together and hopefully find ourselves a little bit better on the other side. Listen and follow now at Fox Newspodcast.com. It is time to take the quiz. It's five questions. in less than five minutes. We ask people on the streets of New York City to play along. Let's see how you do. Take the quiz every day at the quiz.com.
Starting point is 00:47:47 Then come back here to see how you did. Thank you for taking the quiz. 30%. That's always the metric I've heard. 30% of income is what you should devote to your mortgage, or I guess rent, when it comes to your home. Let's break that down today here on the Will Cain Show, streaming live at Fox News.com on the Fox News YouTube channel.
Starting point is 00:48:10 and the Fox News Facebook page. Scott Bridges is the chief consumer direct production officer at Penny Mac, and he joins us now. What's up, Scott? Morning, Will. How are you? Good. I heard you think we're missing somebody in our top 10 most famous people in the world.
Starting point is 00:48:28 I don't have Steph Curry on there. Steph Curry just won the Olympics for the U.S. with a bunch of shots. It's pretty incredible. You think if you drop into a random village in Africa, they know who Steph Curry is? I think they might. I think they might. I bet you China knows Steph Curry. They're a big basketball country.
Starting point is 00:48:48 Yeah, I think he's got worldwide recognition. He's the best shooter in the history of the NBA. I think all that's true. I think there's a big fame drop off from LeBron to Steph, outside of America. That's my guess. Even inside of America. I watched basketball in the 80s and 90s,
Starting point is 00:49:06 and I do agree that. I think LeBron, he'd get clotheslined by Lambert. and that was a different era of basketball. That was much, much more because he may not have made it for 20 years, right? It might have been a good 14 or 15 and we've been banged up and done. Yeah, can you imagine making it 20 years in that NBA? No, and I give LeBron a lot of credit for playing into his 40s. That's incredible.
Starting point is 00:49:27 All right, Scott's here to talk to us about our homes. Let's start with that figure I just gave, Scott. That's something I've always heard. 30% is a good back of envelope metric to talk about what you can afford when it comes to a home. But, I mean, is that gross income? Is that net income? Yeah, the way the calculation works, and it depends on, you know, what loan product you go with. But if you went with a conventional loan, they would look at a 43% debt-to-income ratio,
Starting point is 00:49:52 which would be a combination of your mortgage payment and all your other debts. They can't exceed 43%. So all your other debts related to the home, you're talking about? No, no, no, your credit card payment, and then your mortgage payment. That would be your debt to income ratio. So everyone's going to take a look at that when the underwrite the loan to ensure that you qualify. And of course, this has gotten so much harder for people to stay within these healthy ranges and ratios with housing inflation of costs where real wages have not kept up. So whatever, we're making X. It hasn't gone up the same way housing prices have gone up.
Starting point is 00:50:32 You know, I would tell people that are looking to buy a home, stay calm and carry on. If you think about history, it's a fantastic teacher of what reality is. So back in 1977, interest rates were running about 8.75, pretty high by today's standard. And if in 1977, you decided you were going to wait for rates to go down before you bought a house. you'd have to wait until 1992. And in between 1977 and 1992, rates peaked at about 18% in 1981. But the reality is people that bought houses in 1977, housing prices doubled in that same time frame. So look, there is a quote, it's not mine, but I've heard it enough that I love to use it.
Starting point is 00:51:20 It's you marry the house and you date the rate. So if you buy a house today, it's six and a half percent, which, by the way, is where rates have been on our the last 30 years. So I know during the pandemic, rates drop to an unbelievable low. I've been in this business for 32 years. I've never seen rates that low. We were locking people into 275, 3, 3 and a quarter percent. That may never happen again. So the rates today, it's 6 and a half percent. That's the average of last 30 years. So look, it's not a hopeless vacuum. There is plenty of opportunity to buy home. And the best thing anyone can do, and here at Penny Mac, we do it with consumers every day is get pre-approved. It doesn't cost you anything to get
Starting point is 00:52:02 pre-approved. By getting pre-approved, we look at your income, we look at your assets, we pull your credit on a soft credit pool, then you know what you can buy. And then that gives you, you know, tremendous leverage when you go out and shop. And look, over the long run, you don't want to rent forever because, you know, landlords can increase your rent every single year. When you buy a home and you do a 30-year fix, your payment's not changing. And then, you know, rent has inflation over, years and years and years. And if you lock into a payment and you're disciplined about it, that payment will stay the same or go down because you'll pick a period in two years or four years or six or eight and you'll refy to a lower rate and a lower payment. So look, at Pennymac,
Starting point is 00:52:42 we're bullish on the housing industry. There's plenty of consumers that have had such a good experience buying and having appreciation. And one last point on that. The principal means for the average American to gain and attain wealth is through the home. So what is your advice then? I mean, those higher rates, especially compared to the 2, 3% we got used to there for a while, though they impact how much of a home we can buy, right? So I think if anything, that's what we should take home is like, okay, but you got to buy a cheaper home.
Starting point is 00:53:23 So potentially, yeah, look, it depends what you want. want. Like, I always tell people, like, you know, maybe you wanted, you know, you're in Southern California. You want to live in Brentwood. Well, you probably can't afford Brentwood right now, but maybe you can buy on the outskirts of L.A., and you can commute, and you can get a house. And, you know, even the houses that, you know, years ago, people perceived to be areas that wouldn't appreciate, have appreciated really nicely. And it is an asset that tends to grow in value over time. And it really insulates you from any other, you know, cost inflation would be associated with rent. Because rents have gone up dramatically. And, you know, that's all
Starting point is 00:54:02 over the country. So the landlords are winning. There's also great tax benefits to owning a home. You can deduct your interest. You can deduct your property taxes. Those are real benefits to owning a home. So, yes, obviously, the higher rates go, it does impact the qualification of consumers. However, there are tools that you can use. You can do a buy-down. We offer a buy-down. Builders often offer buy-downs. And that allows the consumer to, so if rates are six and a half,
Starting point is 00:54:32 you can do a buy-down loan where the first year the rate's 5.5%. That gives you relief on your payment and then on your rate for a year. And then, you know, potentially a year rates are lower and you can refinance. If they're not, your worst case is you get the rates that we have today. More of the Will Cain Show right after this. from the Fox News Podcasts Network. Hey there, it's me. Kennedy, make sure to check out my podcast. Kennedy saves the world.
Starting point is 00:54:57 It is five days a week, every week. Download and listen at Fox Newspodcast.com or wherever you listen to your favorite podcast. I'm Janice Dean. Join me every Sunday as I focus on stories of hope and people who are truly rays of sunshine in their community and across the world. Listen and follow now at Fox Newspodcast.com.
Starting point is 00:55:21 so there are tools you can do we and this is a history question but tell me if I'm wrong on this the idea of the 30 year fixed rate you know is a pretty revolutionary tool and is not common or at least wasn't common to everywhere right like that's not what they had in the UK I mean the UK they had floating rates right I mean how did we get to this tool that seems to be so integral for home ownership in the U.S. Yeah, I can't speak to the U.K.'s rates and how they manage them. I can tell you that, you know, the 30-year rate is an amazing tool for consumers to acquire home.
Starting point is 00:56:01 Most people don't carry their rate. Like the average consumer refinances about every four years. So, you know, other than, you know, the pandemic where we saw people, you know, getting 275, 3, 3, 3, and a quarter, those people may hold those rates for the duration. There is, you know, there's a little bit of that impact to the market now where there's people that have those rates and they're reticent to buy a new home because they're going to effectively double the rate, right? They have three and a quarter on their house. They're going to buy a new house and probably costs more and now they're going to pay six and a half. So you see a little bit of that in the market now where inventory is lower than it is, you know, historically this time of year for the last couple of years.
Starting point is 00:56:42 But I do think that, you know, there's still people that have been seen. sitting on the fence waiting for rates to drop the last couple of years that want to buy, whether they're a first-time home buyer or, you know what, they've had a kid, they have another child, and now the house is getting really cramped, or their mother-in-law or father-in-law, their parents are moving in and they need more space. So there's people that have been waiting, and that's why I give the example of sort of the, you can't predict rates. Like, you just don't know. Like, you know, there's a lot of discussion now, well, how are tariffs going to impact interest rates? You know, the book on tariffs isn't fully written. We don't know. You know, there's a lot of things going on the economy. You know, in our world, we pay attention to the 10-year bond. That's really the driver of interest rights. And the 10-year bond over the last, you know, three weeks is zigzag. It's gone up. It's gone down. So, look, the ability to get pre-approved to understand what you qualify for is the first step I would tell anybody. Like if you're a first time home buyer, or you want to buy up, or you want to buy down, or you want to buy down, or you want to.
Starting point is 00:57:46 move a lot, get pre-approved. Then you understand perfectly what you qualify for. And that arms you. That tenure note you're talking about, that seems to be what has surprised, that's what everybody reports, surprised the administration. Like, they thought this would be bringing rates down and it has not. Yeah. So it's, you know, understanding the domino effects of, you know, the economic impacts of tariffs. And, you know, none of us know how that's going to play out, right? And, you know, the Fed is raised rates pretty dramatically the last few years to offset
Starting point is 00:58:26 inflation. And then the question of the day is, will do tariffs ultimately cause inflation to go up to be determined, yeah, potentially, but building materials cost more and lumber costs more. Then, yeah, new houses may cost more. They probably will. But I would still say, you know, if you think about history, buying a home is going to allow you to achieve and grow your own wealth. All right. Outside of getting pre-approved, what are your biggest tips for everyone in this market at this time, like you said, it's a first-time home buyer or looking to buy up? Yeah. Save your money. Like save your down payment. It's that pay yourself first every single month. Squirrel money away.
Starting point is 00:59:08 build a savings account, get your down payment in order. Take care of your credit. Your credit makes such a fundamental difference in what you qualify for. The 780 FICO borrower is going to get a better deal in the 680 FICO borrower. So take care of your credit. Do you have any delinquencies? If you have any collections, pay them off. Prepare yourself to be in the absolute best position to buy that home. Also, don't make any large purchases. As we discussed at the beginning of the show, the debt-to-income ratio is going to be affected. So don't go buy that new basbo. Don't go buy a new truck. Don't spend money when you're about to go make an offer in a house or get pre-approved. It will impact your debt to income ratio. 43% debt to income ratio. 43% your mortgage payment plus all your other
Starting point is 00:59:54 debts. So keep your debt load low. You know what? If I could give advice to people, I'd say don't carry a credit card balance. Because the interest you pay in credit card balance is obscene, right? It's 20, 25% only buy what you can afford keep your debt limit low save your money and then you're prepared and by the way for first time home buyers especially when you buy home as you know you run into new expenses right when you're a renter you don't pay for the roof repair you don't pay for you know the air conditioner the brakes you don't pay for that's on you and you're really going to DIY that and figure out go to home depot and figure out how to do it yourself or more than likely you're going to pay someone to do it so those expenses will have paid for new in the past
Starting point is 01:00:34 two weeks. I've had to buy a new air conditioning unit. Uh, the roofers had to be out here. It's constant. It's constant. It is constant. Yeah. And the older the home, the more maintenance you're probably going to run into. All right. And you have all of these tools and guidance available for us at Penny Mac. Yeah, we do. In fact, we actually just came out with a bring-at-home series, which was, um, there's a series of videos on YouTube and on our website where our best loan officers. And by the way, I'm not a talent agent, but the loan officers we chose did a fantastic job. And really, it's addressing, you know, what we saw were the number one search terms and housing on Google and YouTube. And the Bring It Home series of videos tells, you know,
Starting point is 01:01:16 customers how to get a mortgage, how a VA loan works. You know, all these, and there's 20 of these videos coming out. There's four in the market now. I would encourage everyone, go to pennymat.com, watch those videos. And you'll find people that do it for a living, explaining it to you. are actors. These are people that originate loans or manage loan officers. And, you know, how much mortgage can I afford is one of them? And it'll talk about your debt to income ratio. Awesome. Okay. Scott Bridges from Penny Mac. Thanks so much for walking us through some of those tips that I'm sure everyone is thinking about. Appreciate your time, Scott. All right. Thanks so much. Go Longhorns. Take care. All right, there we go. Hook them. There go. Scott Bridges from
Starting point is 01:01:56 Penny Mac. All right, that's going to do it for us today here on the Will Kane Show. Thanks for hanging out with us. We'll be back again tomorrow with the Cane on Sports Edition. an hour with Todd McShay getting you ready for the NFL draft. We will see you again next time. This is Jimmy Phala, inviting you to join me for Fox Across America, where we'll discuss every single one of the Democrats' dumb ideas. Just kidding. It's only a three-hour show. Listen live at noon Eastern or get the podcast at Fox Across America.com.

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