Pełna transkrypcja odcinka 2026 11 11 Financial Issues

of any Financial Issues merch that you want. 39 00:01:54.780 --> 00:01:57.079 It can be one of these awesome tumblers that we 40 00:01:57.120 --> 00:01:59.239 have here. The stewardship tumbler can be Mark's book, The 41 00:01:59.299 --> 00:02:01.890 Fear of Money. Excuse me, Mark's book, The Wall Street Awakening, 42 00:02:01.980 --> 00:02:04.450 or Dan Celia's book, The Fear of Money. I don't 43 00:02:04.489 --> 00:02:06.549 know if we have any other shirts available, but we 44 00:02:06.609 --> 00:02:08.349 might if you want one of those. We would love 45 00:02:08.370 --> 00:02:09.770 to be able to give you a gift today. It's 46 00:02:09.810 --> 00:02:11.430 our gift to you to say thank you. Such a 47 00:02:11.469 --> 00:02:13.870 small token of appreciation, but we want to tell you 48 00:02:13.909 --> 00:02:14.189 thank you. 49 00:02:14.449 --> 00:02:16.009 Just call into the show, 610-363-1110. Give us a call, 610-363-1110. 50 00:02:20.569 --> 00:02:22.330 Simply for the purpose of we want to thank you. 51 00:02:22.349 --> 00:02:23.550 You got to be willing to come on the air 52 00:02:23.590 --> 00:02:25.330 so that we can thank you. You don't have to 53 00:02:25.490 --> 00:02:27.289 necessarily have anything to say, but we just want to 54 00:02:27.310 --> 00:02:27.530 be able. 55 00:02:27.469 --> 00:02:27.810 To thank you. 56 00:02:27.879 --> 00:02:29.879 I know people can be shy, but come on. Today 57 00:02:29.919 --> 00:02:31.520 is the day we can love on the veterans. 58 00:02:31.599 --> 00:02:32.819 Give us a call. Yep. 59 00:02:32.840 --> 00:02:32.960 610-363-1110. 60 00:02:32.979 --> 00:02:35.400 Love on the veterans. That's right. 61 00:02:36.259 --> 00:02:38.400 Yeah. And Mark, thank you for mentioning your father and 62 00:02:38.460 --> 00:02:38.960 son as well. 63 00:02:38.979 --> 00:02:41.120 That's so cool, brother, that you've got kind of that 64 00:02:41.180 --> 00:02:44.659 sandwich your father served, your son, your namesake served as well. 65 00:02:45.479 --> 00:02:45.639 Yeah. 66 00:02:45.659 --> 00:02:47.039 What a what a amazing blessing. 67 00:02:47.060 --> 00:02:48.870 And then Mark's just a bum. He didn't want to 68 00:02:48.909 --> 00:02:50.909 do it. He's a draft dodger. 69 00:02:51.389 --> 00:02:53.289 I think God knew to keep me out of the 70 00:02:53.330 --> 00:02:56.349 service because I've been like that guy in apocalypse now 71 00:02:56.469 --> 00:02:57.620 swimming upstream. 72 00:02:59.479 --> 00:03:00.520 That's scary, dude. 73 00:03:00.539 --> 00:03:02.659 I love it, Mark. 74 00:03:02.699 --> 00:03:05.500 Well, we are so thankful for all of our faithful followers. uh, 75 00:03:05.590 --> 00:03:06.449 servicemen out there. 76 00:03:06.490 --> 00:03:07.770 We love you guys. We appreciate it. 77 00:03:07.770 --> 00:03:11.250 Hey, on today's show, busy one today, Walker Wildman's joining us, uh, 78 00:03:11.280 --> 00:03:13.599 in about a half hour to give his election postmortem. 79 00:03:13.639 --> 00:03:16.490 We've also got winning Wednesday and interesting question here, which, 80 00:03:16.509 --> 00:03:17.650 you know what guys, why don't we get to it now? 81 00:03:18.050 --> 00:03:21.340 Are you sore about your credit score? I didn't come 82 00:03:21.360 --> 00:03:22.639 up with that, by the way. That was Sam. 83 00:03:22.719 --> 00:03:24.039 I think you did. 84 00:03:25.500 --> 00:03:26.110 I let him have it. 85 00:03:26.099 --> 00:03:28.110 It's okay. Let me have it. That's good. 86 00:03:28.150 --> 00:03:29.909 Just so you know, my birthday is coming up, and 87 00:03:30.189 --> 00:03:32.710 here I'm giving gifts to someone else. This is ridiculous. 88 00:03:32.729 --> 00:03:32.889 Right. 89 00:03:33.009 --> 00:03:33.990 Yeah, it's crazy, man. 90 00:03:34.250 --> 00:03:34.729 It is. 91 00:03:34.990 --> 00:03:37.050 But, Mark, it is an interesting question. 92 00:03:37.129 --> 00:03:39.870 So credit score, is it a good thing, a bad thing, 93 00:03:39.949 --> 00:03:42.550 somewhere in between? Should we even care? Yeah, should we 94 00:03:42.610 --> 00:03:44.969 even care? I mean, I've heard some pundits say– you know, 95 00:03:45.050 --> 00:03:47.629 credit scores are worthless. If you just pay for everything 96 00:03:47.669 --> 00:03:49.030 in cash, you're not going to go into debt. So 97 00:03:49.050 --> 00:03:49.969 you're not going to be able to build up the 98 00:03:49.990 --> 00:03:51.849 credit score. Mark, how important do you think a good 99 00:03:51.900 --> 00:03:53.139 credit score is in today's world? 100 00:03:54.099 --> 00:03:57.219 You know, that's an excellent question in the sense that 101 00:03:57.699 --> 00:04:01.319 people confuse the idea with a good credit score with 102 00:04:01.460 --> 00:04:04.879 being something that that we should strive to achieve and 103 00:04:04.919 --> 00:04:07.219 that we should hang on to. I do believe there's 104 00:04:07.259 --> 00:04:11.099 some reflection of your personality and your, the way you 105 00:04:11.150 --> 00:04:13.969 handle money in there, you know, and it can help 106 00:04:14.009 --> 00:04:17.610 you borrow on better terms, but it doesn't make credit 107 00:04:17.790 --> 00:04:21.569 your friend or measure your financial health in any way. 108 00:04:21.910 --> 00:04:24.089 Well, in just a little bit of a way, but. 109 00:04:24.550 --> 00:04:26.560 It, you know, and that's the thing I want everybody 110 00:04:26.600 --> 00:04:29.879 to realize credit can be a tool. but more like 111 00:04:29.920 --> 00:04:33.649 a chainsaw than a hammer. And, uh, in my book that, 112 00:04:33.930 --> 00:04:36.810 that I haven't released yet on debt slayer, it, it, 113 00:04:37.509 --> 00:04:40.029 it tells you that you need to respect it. 114 00:04:40.470 --> 00:04:40.689 Yeah. 115 00:04:40.750 --> 00:04:44.649 The concept of debt and in credit, but not let 116 00:04:44.689 --> 00:04:47.959 it rule your life or not make that your goal. 117 00:04:48.420 --> 00:04:52.879 It's just

credit scores matters because lenders use it to 118 00:04:52.920 --> 00:04:55.060 determine the terms of your loans. 119 00:04:55.100 --> 00:04:59.540 That's about it. Uh, And you have to be careful. 120 00:05:00.079 --> 00:05:01.220 That's the bottom line on it. 121 00:05:02.160 --> 00:05:03.779 And Mark, you know, the next question we had lined 122 00:05:03.839 --> 00:05:06.139 up was, what are some common myths or misconceptions about 123 00:05:06.160 --> 00:05:08.060 credit scores? It sounds like that's the big one there, 124 00:05:08.100 --> 00:05:10.649 that if you have a good credit score, that automatically 125 00:05:10.689 --> 00:05:11.990 means you're financially healthy. 126 00:05:12.290 --> 00:05:13.470 Sounds like that's not always true. 127 00:05:15.050 --> 00:05:16.550 Well, no, it doesn't. 128 00:05:16.610 --> 00:05:19.889 Because just because you maintain your debt, that's just one 129 00:05:19.949 --> 00:05:24.060 slice of the pie of financial health for Christians, for anybody, actually. 130 00:05:24.620 --> 00:05:28.220 So you could pay your your bills on time, but 131 00:05:28.480 --> 00:05:32.139 still be over over your head in debt and still 132 00:05:32.180 --> 00:05:35.860 be have spending elsewhere going on to the point that 133 00:05:35.920 --> 00:05:38.180 it hasn't caught up with you yet. But it is 134 00:05:38.740 --> 00:05:41.500 like a snowball rolling down the hill, catching up with you. 135 00:05:42.209 --> 00:05:45.129 Another myth is that you need to carry a balance 136 00:05:45.170 --> 00:05:46.069 to have a good score. 137 00:05:46.430 --> 00:05:49.980 That's not true. You can use your credit card, pay 138 00:05:50.000 --> 00:05:51.459 the statement off every month. 139 00:05:51.560 --> 00:05:54.250 You know, my dad does that. I do it too. 140 00:05:54.329 --> 00:05:56.709 We pay our credit cards off every month. 141 00:05:57.209 --> 00:05:59.029 And all we do is get all these points and 142 00:05:59.069 --> 00:06:01.269 we use them to do travel and things like that. 143 00:06:01.790 --> 00:06:03.750 Sometimes we just use them to pay down the credit 144 00:06:03.769 --> 00:06:05.290 card because they can convert to cash. 145 00:06:05.589 --> 00:06:05.930 It's funny. 146 00:06:05.949 --> 00:06:08.209 I've heard that so many times that if you pay 147 00:06:08.310 --> 00:06:10.410 off your credit card, you're going to lose your credit 148 00:06:10.449 --> 00:06:13.600 score is going to go down. I kind of believed it, 149 00:06:13.629 --> 00:06:15.560 but I just didn't care. I just kept paying it off. 150 00:06:16.180 --> 00:06:16.459 Yeah. 151 00:06:16.939 --> 00:06:18.790 No, that's a myth. 152 00:06:19.790 --> 00:06:23.069 And also another myth is more credit's always better. An 153 00:06:23.209 --> 00:06:26.529 offer of more credit may be convenient, but it can 154 00:06:26.569 --> 00:06:30.269 also make it easier to spend tomorrow's money today, which 155 00:06:30.310 --> 00:06:32.750 you don't want to do because eventually that can catch 156 00:06:32.870 --> 00:06:37.709 up with you. Also, a lender's friendly offer means the 157 00:06:37.730 --> 00:06:39.250 lender is looking out for you. 158 00:06:39.790 --> 00:06:44.279 No, it doesn't. Just because somebody offers you a lower rate, That. 159 00:06:44.180 --> 00:06:47.399 Doesn't mean anything. All it means is they want to 160 00:06:47.579 --> 00:06:51.759 get you hooked. They want you to become addicted to 161 00:06:51.839 --> 00:06:53.240 spending on your credit card. 162 00:06:53.480 --> 00:06:54.680 They want you to do this. 163 00:06:54.740 --> 00:06:57.120 And then when you can't credit pay it off that month, 164 00:06:57.199 --> 00:07:00.170 they make 29% on it, you know, and then it, 165 00:07:00.430 --> 00:07:03.129 then it starts cascading. And pretty soon you're using other 166 00:07:03.189 --> 00:07:06.610 credit cards to do purchases. Cause this one's ran up 167 00:07:06.709 --> 00:07:09.389 and now you're it's, it's getting crazy. 168 00:07:09.509 --> 00:07:10.230 A good score. 169 00:07:10.250 --> 00:07:15.529 Just, It's nice to have, but it's not the end 170 00:07:15.550 --> 00:07:15.949 of the world. 171 00:07:16.230 --> 00:07:18.410 In fact, if you're having. 172 00:07:20.250 --> 00:07:23.319 Debt problems, a bad score may be one of the 173 00:07:23.360 --> 00:07:25.540 saviors for you because you won't be able to get 174 00:07:25.600 --> 00:07:27.899 more debt and you'll have to start making it work. 175 00:07:28.420 --> 00:07:30.319 It's like the big question is, would you rather have 176 00:07:30.360 --> 00:07:34.120 a credit score of 780 and $ 10, 000 in debt or 177 00:07:34.139 --> 00:07:37.350 a credit score of 650 and no debt? You take 178 00:07:37.370 --> 00:07:37.889 the no debt. 179 00:07:37.910 --> 00:07:38.490 Take the no debt. 180 00:07:38.529 --> 00:07:40.189 Yeah, absolutely. Absolutely. 181 00:07:40.519 --> 00:07:41.339 You know, Mark, it's interesting. 182 00:07:41.459 --> 00:07:43.660 Adrian in our chat here from Wisconsin is saying, I 183 00:07:43.699 --> 00:07:45.800 have an excellent credit score, but my credit card company 184 00:07:45.860 --> 00:07:48.319 says that one detractor from my credit score is that 185 00:07:48.370 --> 00:07:51.370 I do not have a recent installment loan. So apparently, 186 00:07:51.439 --> 00:07:54.250 since I've been responsible with my finances and have paid 187 00:07:54.310 --> 00:07:57.149 off all my loans, that reduces my credit score. 188 00:07:57.189 --> 00:07:59.410 How ridiculous is that? He's exactly right. 189 00:08:00.110 --> 00:08:01.850 Who did he say said that? 190 00:08:02.550 --> 00:08:06.019 Adrian in our chat. No, who? Oh, it was his 191 00:08:06.060 --> 00:08:07.459 credit card company. So there you go. 192 00:08:07.699 --> 00:08:09.439 Don't trust the credit card company. 193 00:08:09.740 --> 00:08:13.100 The credit score companies are different than the credit cards companies. 194 00:08:13.600 -->

00:08:15.990 If a credit card company is trying to entice you 195 00:08:16.170 --> 00:08:19.290 in any way whatsoever to take out more credit, to 196 00:08:19.350 --> 00:08:22.350 get a loan, to do that kind of stuff, it's 197 00:08:22.449 --> 00:08:24.529 not necessarily. 198 00:08:23.730 --> 00:08:28.160 To raise your credit score. My dad hasn't taken out 199 00:08:28.220 --> 00:08:31.839 a loan that I know of in probably 15, 20 years, 200 00:08:31.920 --> 00:08:38.570 and his credit score is like 849 or something. 201 00:08:39.309 --> 00:08:43.600 So that just proves it's wrong that they're trying to 202 00:08:43.649 --> 00:08:46.919 entice you to get addicted to debt. That's what they're 203 00:08:46.940 --> 00:08:49.720 trying to do any way possible because you make their 204 00:08:49.779 --> 00:08:53.200 lives richer. Every time you use a credit card, anytime 205 00:08:53.220 --> 00:08:56.179 you take out a consumer loan, even if it's zero down, 206 00:08:56.259 --> 00:08:59.799 zero payments, zero interest for a year, they're still making 207 00:08:59.840 --> 00:09:03.220 money on that. And behind the scenes in one way 208 00:09:03.240 --> 00:09:06.159 or another. The merchant either is paying them for that 209 00:09:06.320 --> 00:09:09.899 interest or somebody else's, but eventually they're all making money 210 00:09:09.960 --> 00:09:13.500 from it and you're getting used to making it normalized 211 00:09:13.580 --> 00:09:16.379 to use credit to go into debt. 212 00:09:16.210 --> 00:09:16.950 One way or another. 213 00:09:17.009 --> 00:09:19.409 And by the way, those no payment for one year, 214 00:09:19.509 --> 00:09:21.169 if you don't make that payment by the end of 215 00:09:21.190 --> 00:09:22.470 the year, if you don't pay it off. 216 00:09:22.710 --> 00:09:25.110 Look at the terms, there's all sorts of gotchas in there. 217 00:09:25.429 --> 00:09:28.870 All the interest that had accrued but not been charged 218 00:09:28.929 --> 00:09:31.570 to you is then charged to you. So you got 219 00:09:31.590 --> 00:09:35.210 to be really careful with these sharks. They're like drug dealers. Hey, 220 00:09:35.350 --> 00:09:37.129 here's a little bit for you. 221 00:09:37.350 --> 00:09:39.759 You need to party. It's on me. Go ahead, do it. 222 00:09:40.309 --> 00:09:42.230 And once you start doing it, then it's like, okay, 223 00:09:42.250 --> 00:09:44.009 now you got to start paying for it. And then 224 00:09:44.029 --> 00:09:46.570 when you get addicted, now it's like, hey, we're raising 225 00:09:46.610 --> 00:09:48.700 the price. And then it's like, hey, you can't pay it. 226 00:09:48.850 --> 00:09:50.970 We're going to break your legs. You know, they'll break 227 00:09:50.990 --> 00:09:54.649 your financial legs. It is not a good industry. Debt is, 228 00:09:55.110 --> 00:09:59.889 Bible warns us against it. The debt Mongols, they don't, 229 00:10:00.700 --> 00:10:03.379 have second, third homes all around the world. 230 00:10:03.720 -->

00:10:04.440 They have all. 231 00:10:04.360 --> 00:10:06.960 Sorts of, their kids go to the best schools around 232 00:10:07.000 --> 00:10:09.700 the world. They live like kings and it's all off 233 00:10:09.720 --> 00:10:12.629 of your money. Do not buy into the credit scheme. 234 00:10:13.629 --> 00:10:17.009 Mark well said, 610-363-1110. A reminder, we want anyone to 235 00:10:17.049 --> 00:10:19.570 call in, but particularly our veterans. So we can thank you. 236 00:10:20.169 --> 00:10:21.450 And we'll make sure to give you a gift if 237 00:10:21.470 --> 00:10:23.820 you come on the air again, 610-363-1110. 238 00:10:24.259 --> 00:10:25.360 Mark, thank you for sharing that. 239 00:10:25.399 --> 00:10:28.159 You know, it brings to mind for me, the solution 240 00:10:28.179 --> 00:10:29.940 for this is having a solid moat around your castle. 241 00:10:30.039 --> 00:10:30.480 Pretty simple. 242 00:10:31.419 --> 00:10:32.370 That's exactly it. 243 00:10:32.480 --> 00:10:35.490 And that's what nobody teaches in school or anywhere else 244 00:10:35.590 --> 00:10:38.669 except here on Financial Issues, which is going to be 245 00:10:38.710 --> 00:10:40.289 really cool at the beginning of the year when we 246 00:10:40.330 --> 00:10:44.269 go through the foundations of investing, which includes a moat 247 00:10:44.409 --> 00:10:45.299 around your castle. 248 00:11:05.870 --> 00:11:07.350 610-363-1110. Folks, grateful to have you. 249 00:11:07.370 --> 00:11:08.830 Hey, today's show brought to you by our friends at 250 00:11:08.850 --> 00:11:11.250 Crossroads Kids Club. We love the work Crossroads is doing 251 00:11:11.289 --> 00:11:13.940 right now. They're in their year-end campaign as well. So 252 00:11:13.960 --> 00:11:15.909 if you want to chip into that, contribute to it, 253 00:11:15.919 --> 00:11:18.120 they actually have a match going on right now that 254 00:11:18.139 --> 00:11:21.879 was put forward by a financial issues listener. Pretty amazing stuff. 255 00:11:21.919 --> 00:11:26.669 So you can check that out. Learn more at ReachOurSchools.com. Again, ReachOurSchools.com. Mark, 256 00:11:26.690 --> 00:11:27.950 why don't we go to the phones right now and 257 00:11:27.970 --> 00:11:30.049 talk to Sherry? Sherry is calling from Texas. 258 00:11:30.070 --> 00:11:32.669 Let's do that. Good morning, Sherry. What's on your mind 259 00:11:32.710 --> 00:11:33.190 this morning? 260 00:11:34.590 --> 00:11:37.590 Good morning, guys. Happy Veterans Day to all those out 261 00:11:37.629 --> 00:11:39.179 there that served our country. 262 00:11:39.200 --> 00:11:40.159 Amen. 263 00:11:40.200 --> 00:11:40.919 Thank you for that, Sherry. 264 00:11:40.940 --> 00:11:41.980 Did you serve, Sherry? 265 00:11:43.179 --> 00:11:43.840 I did not. 266 00:11:43.860 --> 00:11:44.580 Oh, okay. 267 00:11:45.919 --> 00:11:47.840 Yeah, but I'm very thankful. 268 00:11:47.519 --> 00:11:48.480 For those that did. 269 00:11:49.240 --> 00:11:50.710 Great, Sherry. Thank you. 270 00:11:51.649 --> 00:11:52.970 I'm a partner. 271 00:11:53.169 --> 00:11:56.039 I've been a partner since about nine years. And I 272 00:11:56.779 --> 00:12:06.220 have a $ 20, 000 cash balance in my IRA, my traditional 273 00:12:06.480 --> 00:12:11.710 IRA rollover. But I'm also trying to figure out how 274 00:12:11.759 --> 00:12:16.529 to add my principal account, which is what they're calling 275 00:12:16.549 --> 00:12:21.679 a 2035 hybrid CIT account. with my work and I 276 00:12:21.740 --> 00:12:24.620 don't know how to add that without messing up my 277 00:12:24.720 --> 00:12:28.659 asset allocation to my portfolio tracker. 278 00:12:31.220 --> 00:12:31.500 Okay. 279 00:12:31.559 --> 00:12:34.100 So on, on your, on the partner sub, you're wondering 280 00:12:34.159 --> 00:12:39.590 how to add your, uh, that to the portfolio tracker. 281 00:12:39.620 --> 00:12:40.039 Correct. 282 00:12:40.110 --> 00:12:45.750 The, the principal, um, 2035 hybrid CIT is what it's called. 283 00:12:46.529 --> 00:12:46.889 Okay. 284 00:12:47.250 --> 00:12:49.350 Well, the way you can do that is you can 285 00:12:49.370 --> 00:12:52.750 go in and set up another portfolio on there, or 286 00:12:52.809 --> 00:12:54.149 you can make it part of the one you have, 287 00:12:54.169 --> 00:12:57.909 but you just add in whatever investments you have. And 288 00:12:57.929 --> 00:13:01.409 then you can use the tagging system to tag it 289 00:13:01.690 --> 00:13:05.929 as that tag each of the assets in there for 290 00:13:05.970 --> 00:13:08.529 the different types of accounts you have them in. That 291 00:13:08.580 --> 00:13:11.519 way you can sort of buy the tags and see 292 00:13:11.600 --> 00:13:14.259 which ones, what assets are in which accounts. 293 00:13:15.539 --> 00:13:17.360 And Sherry, I'll just jump in here and say as well, 294 00:13:17.399 --> 00:13:20.799 if you need help with actually doing that, like, you know, 295 00:13:20.830 --> 00:13:22.409 if you need someone to walk through that with you, 296 00:13:22.909 --> 00:13:24.509 you can stay on the line after this and just 297 00:13:24.549 --> 00:13:26.129 give Darlene your phone number. And I'd be glad to 298 00:13:26.169 --> 00:13:28.009 give you a call later today and walk through that 299 00:13:28.049 --> 00:13:28.730 with you if you'd like. 300 00:13:30.029 --> 00:13:31.789 Oh, that would be awesome. Sure. 301 00:13:32.269 --> 00:13:33.309 Isn't he wonderful? 302 00:13:33.330 --> 00:13:33.399 Yes. 303 00:13:35.080 --> 00:13:40.830 Stop. That's just wonderful, yes. The other thing I was, 304 00:13:40.870 --> 00:13:47.700 the $ 22, 000 I have in cash in my rollover IRA, 305 00:13:49.059 --> 00:13:55.080 I'm low about 3% in fixed income preferreds and REITs. 306 00:13:55.100 --> 00:13:58.970 And I haven't done anything with that. And I'm wondering, 307 00:13:59.000 --> 00:14:03.139 because I don't really want to grow this account. Because 308 00:14:03.480 --> 00:14:06.320 I want to eventually start

moving some of it out 309 00:14:06.419 --> 00:14:11.399 into my Roth IRA and wondering if I should just 310 00:14:12.350 --> 00:14:15.909 bite the dust each year, like take the maximum out 311 00:14:16.090 --> 00:14:19.669 where I don't go out of my tax limit. Mm-hmm. 312 00:14:20.029 --> 00:14:21.309 How old are you? 313 00:14:22.909 --> 00:14:23.230 I'm 60. 314 00:14:23.230 --> 00:14:23.629 Okay. 315 00:14:25.590 --> 00:14:27.169 Soon to be 61. 316 00:14:27.169 --> 00:14:30.080 Yeah, you could just... You have. 317 00:14:32.049 --> 00:14:35.440 Yeah, you could do that, I guess. Let's see. Seth, 318 00:14:35.500 --> 00:14:38.639 on the rules, where can you just do unlimited conversions? 319 00:14:39.259 --> 00:14:41.200 What age? Is that 72? 320 00:14:41.179 --> 00:14:44.470 Unlimited conversions? I need to look into that one, Mark. 321 00:14:44.919 --> 00:14:47.149 I thought it might have been at that 59 and 322 00:14:47.169 --> 00:14:49.990 a half part, but I could be wrong. 323 00:14:50.190 --> 00:14:51.870 Sherry, let me look into that for you there. 324 00:14:53.409 --> 00:14:57.509 Okay. Yeah, because I'm just thinking maybe it wouldn't be 325 00:14:57.549 --> 00:15:00.649 a bad idea to just pay the taxes if I... 326 00:15:01.470 --> 00:15:04.149 you know, didn't go over my tax threshold. I believe 327 00:15:04.190 --> 00:15:07.850 it was around 50,000 where I'm still staying in the 328 00:15:07.850 --> 00:15:11.929 12% tax bracket and just pay the taxes on it. 329 00:15:15.679 --> 00:15:19.500 That would make sense. I think you're thinking straight on that. Yeah, absolutely. 330 00:15:21.500 --> 00:15:22.100 It's good, Sherry. 331 00:15:23.149 --> 00:15:24.309 So God bless you. 332 00:15:25.509 --> 00:15:27.820 When Seth calls this afternoon, he'll give you all the 333 00:15:27.879 --> 00:15:30.919 guidelines that you need to make sure you match so 334 00:15:30.940 --> 00:15:34.320 that there are no penalties or you don't have to 335 00:15:34.360 --> 00:15:39.679 pay any taxes, any additional taxes. You know, obviously, when 336 00:15:39.700 --> 00:15:43.500 you convert an IRA, any of an IRA to a Roth, 337 00:15:43.840 --> 00:15:47.419 you have to pay taxes on it because the traditional 338 00:15:47.539 --> 00:15:48.799 IRA is pre-tax. 339 00:15:49.240 --> 00:15:51.259 And Uncle Sam really likes his money. 340 00:15:51.340 --> 00:15:51.480 Yeah. 341 00:15:51.830 --> 00:15:54.200 He needs help too, Sherry. We got to help him out. 342 00:15:56.360 --> 00:15:57.460 Thanks for your call, Sherry. 343 00:15:58.480 --> 00:15:59.759 Thank you. Y'all have a great day. 344 00:15:59.840 --> 00:16:01.139 Why don't you stay on the line with Dara and 345 00:16:01.159 --> 00:16:02.919 get your phone number and we can talk later today. 346 00:16:03.120 --> 00:16:03.539 God bless you. 347 00:16:04.019 --> 00:16:05.220 Great. Thank you, Seth. 348 00:16:05.259 --> 00:16:05.519 Bye-bye. 349 00:16:06.679 --> 00:16:10.250 Yeah, Mark, that's good. I'm glad that

Sherry is consolidating that. 350 00:16:10.289 --> 00:16:12.889 I'm also glad, Mark, that you brought up the option 351 00:16:12.950 --> 00:16:15.509 on the portfolio tracker. Again, this is for partners only, 352 00:16:15.629 --> 00:16:18.210 but it's a really, really great thing for you to 353 00:16:18.230 --> 00:16:19.789 be able to do that tagging feature. 354 00:16:20.250 --> 00:16:22.929 So helpful if you've got multiple portfolios. I mean, it 355 00:16:22.990 --> 00:16:23.600 is so helpful. 356 00:16:23.620 --> 00:16:23.740 Yeah. 357 00:16:23.769 --> 00:16:26.159 Personally, I like to have everything in one pot. So 358 00:16:26.200 --> 00:16:28.419 I see that that number at the top is all 359 00:16:28.440 --> 00:16:30.480 of my money and I don't have to go back 360 00:16:30.539 --> 00:16:31.679 and forth. So it's really nice. 361 00:16:32.120 --> 00:16:32.580 Yeah. 362 00:16:32.740 --> 00:16:35.799 And we didn't bring up the concept that if you're, well, 363 00:16:35.840 --> 00:16:39.059 she's over 59 and a half. So, but the idea 364 00:16:39.080 --> 00:16:41.559 that once you convert, if you're under 59 and a 365 00:16:41.580 --> 00:16:43.460 half and you convert, you got to wait five years 366 00:16:43.519 --> 00:16:46.580 so you don't get the 10% penalty. But outside of that, 367 00:16:46.659 --> 00:16:50.330 I don't believe there's any limits to conversions, age limits 368 00:16:50.350 --> 00:16:53.389 to that. Unless something changed this year that I don't 369 00:16:53.450 --> 00:16:57.789 know about. So anyway, and there's no age limit on 370 00:16:57.850 --> 00:17:00.690 how old you can be to do it either. Just 371 00:17:00.750 --> 00:17:06.539 remember the RMDs have to be satisfied. After you satisfy 372 00:17:06.579 --> 00:17:10.440 your RMDs, once you reach that age, you can convert more. 373 00:17:10.279 --> 00:17:12.640 Of it as well. So I think she'll be fine. 374 00:17:13.759 --> 00:17:18.380 As long as, like she said, she minimizes the taxes 375 00:17:18.440 --> 00:17:21.460 by not going over the bracket limit that she has 376 00:17:21.559 --> 00:17:23.420 set or understands for herself. 377 00:17:24.150 --> 00:17:26.089 There you go. Good stuff, Mark. 378 00:17:26.109 --> 00:17:26.549 610-363-1110. 379 00:17:26.589 --> 00:17:28.390 Folks, again, love to hear from any of you, but 380 00:17:28.410 --> 00:17:30.799 especially our veterans. We'd love for you to call in. 381 00:17:30.809 --> 00:17:32.829 We'd love to give you a gift. 382 00:17:32.849 --> 00:17:33.309 610-363-1110. 383 00:17:33.329 --> 00:17:36.259 Mark, the markets yesterday fell. We saw a hotter than 384 00:17:36.299 --> 00:17:39.950 expected CPI report yesterday. So the tech heavy Nasdaq down 385 00:17:39.990 --> 00:17:43.150 a full percent by late afternoon actually didn't end quite 386 00:17:43.190 --> 00:17:46.039 so bad, though. The Dow Jones was down about a third. 387 00:17:46.099 --> 00:17:48.099 The S & P down same. The Nasdaq and the 388 00:17:48.119

--> 00:17:51.240 Russell 2000 each down around three quarters of a percent. However, 389 00:17:51.259 --> 00:17:54.029 the pre markets this morning are really looking good with, 390 00:17:54.230 --> 00:17:57.950 I guess, the exception of crude oil, which is up a. 391 00:17:57.930 --> 00:17:59.690 Little bit, but it's way down from where it was. 392 00:18:00.509 --> 00:18:02.690 But pre-markets this morning priced in, I mean, the NASDAQ 393 00:18:02.730 --> 00:18:03.329 is up almost 2%. 394 00:18:03.329 --> 00:18:05.349 So love to see that. 395 00:18:05.450 --> 00:18:11.210 Crude oil is like at about $ 86 a barrel, which WTI, 396 00:18:11.609 --> 00:18:15.210 but that's still up about 50% over a year ago, 397 00:18:15.730 --> 00:18:18.440 which a lot of people stop talking about because, you know, 398 00:18:18.500 --> 00:18:21.500 now they can't harm the Trump administration with it because- 399 00:18:22.220 --> 00:18:25.440 Everything that happens, of course, will be put on the 400 00:18:25.660 --> 00:18:27.039 Democrat's shoulder, I guess. 401 00:18:27.180 --> 00:18:30.000 I don't know. You know, there is some good news. 402 00:18:30.019 --> 00:18:32.900 I've been looking at the... Believe it or not, you 403 00:18:32.940 --> 00:18:35.440 know what, Seth? I watch the markets a little bit. 404 00:18:37.059 --> 00:18:37.619 Do you, Mark? 405 00:18:37.759 --> 00:18:38.039 Really? 406 00:18:38.059 --> 00:18:39.279 That's what you do in your free time? 407 00:18:39.299 --> 00:18:41.359 Think about this. The Russell 2000 is up 13.7% year-to-date. 408 00:18:41.480 --> 00:18:43.859 The Nasdaq's only up 7.9%. Who would have thought? 409 00:18:43.920 --> 00:18:44.839 Half, almost. 410 00:18:52.210 --> 00:18:55.509 the Russell's up almost twice as much as a NASDAQ 411 00:18:55.549 --> 00:19:01.569 year to date. Most people don't even think about that. 412 00:19:01.609 --> 00:19:01.730 Yeah. 413 00:19:01.970 --> 00:19:04.839 You know, it's interesting. Somebody said that earlier this year. 414 00:19:04.859 --> 00:19:05.779 I can't remember who it was. 415 00:19:06.420 --> 00:19:06.900 It was you. 416 00:19:07.480 --> 00:19:09.819 Some financial genius. Some guy. 417 00:19:10.720 --> 00:19:13.240 Some guy who just watches the markets from time to time. 418 00:19:13.539 --> 00:19:15.599 Exactly. That's good stuff, Mark. 419 00:19:15.640 --> 00:19:19.180 Yeah, I'm grateful that we've got those those allocations in 420 00:19:19.200 --> 00:19:22.970 there that provides for some small cap exposure. And of course, 421 00:19:23.029 --> 00:19:26.750 not to forget the Timothy Plan small cap ETF. Definitely 422 00:19:26.910 --> 00:19:29.630 an option there as well. You know, Mark, speaking of 423 00:19:29.670 --> 00:19:32.119 good news, it is winning Wednesday, gentlemen, and we've got 424 00:19:32.140 --> 00:19:33.440 a good one here. Sam, why don't you give us 425 00:19:33.460 --> 00:19:35.480 the details on the word of God getting out throughout 426 00:19:35.519 -->

00:19:35.799 the world? 427 00:19:35.819 --> 00:19:36.240 What's going on? 428 00:19:36.619 --> 00:19:39.299 Yeah, updates coming from Nigeria, a very dark part of 429 00:19:39.339 --> 00:19:41.859 the world when it comes to Christian persecution. But I 430 00:19:41.900 --> 00:19:46.710 did find this story very encouraging as thousands of believers 431 00:19:47.049 --> 00:19:51.039 in Nigeria received Bibles last week. They were distributed by 432 00:19:51.099 --> 00:19:53.869 a group called Global Christian Relief. The Bibles were handed 433 00:19:53.930 --> 00:19:57.210 out to pastors, church leaders, and others in the region's 434 00:19:57.609 --> 00:20:02.190 Affected by Islamic attacks, Global Christian Relief reported, quote, We've 435 00:20:02.210 --> 00:20:06.289 already seen a positive impact with pastors preaching with renewed confidence, 436 00:20:06.630 --> 00:20:11.039 believers growing in their faith, and families gathering around Scripture. 437 00:20:11.099 --> 00:20:13.940 We heard from many that these Bibles have given them 438 00:20:14.039 --> 00:20:17.380 strength and comfort. They spoke to one gentleman over there, 439 00:20:17.440 --> 00:20:20.619 and he said this. I absolutely love this quote. He said, 440 00:20:20.759 --> 00:20:23.980 When this organization came to our village one day and 441 00:20:24.039 --> 00:20:27.299 placed a new Bible in my hands— I felt as 442 00:20:27.339 --> 00:20:32.220 though Jesus himself had visited and comforted me personally. I 443 00:20:32.400 --> 00:20:35.920 just absolutely love that. Of course, this also comes as 444 00:20:35.980 --> 00:20:39.900 renewed tension is coming. Attention, I should say, is coming 445 00:20:40.200 --> 00:20:43.289 from the United States towards Nigeria with the Trump administration 446 00:20:43.660 --> 00:20:47.569 recently placing that country as a country of particular concern, 447 00:20:47.890 --> 00:20:50.809 allowing the U.S. to take action against them over their 448 00:20:50.849 --> 00:20:54.220 treatment of Christians. In fact, the Congress is holding a 449 00:20:54.460 --> 00:20:57.619 meeting later this week to review what is going on 450 00:20:57.740 --> 00:21:00.309 in Nigeria and to see what the U.S. can do 451 00:21:00.380 --> 00:21:00.700 to help. 452 00:21:01.509 --> 00:21:01.829 Wow. 453 00:21:01.890 --> 00:21:02.309 Praise God. 454 00:21:02.329 --> 00:21:05.309 You know, that's really interesting to me. My first thought 455 00:21:05.349 --> 00:21:07.390 when I heard this is I love the idea of 456 00:21:07.410 --> 00:21:11.210 getting the Bible to as many people as possible. But 457 00:21:11.230 --> 00:21:15.150 I was thinking, you know, Nigerian Christians probably already had Bibles. 458 00:21:15.210 --> 00:21:18.549 What they need is help to keep from being slaughtered, 459 00:21:18.589 --> 00:21:21.859 to keep from being persecuted, to keep from being injured. 460 00:21:22.519 --> 00:21:24.000 And oppressed. 461 00:21:24.599 --> 00:21:27.660

And then it's like, wait a minute, you know, the Bible, 462 00:21:28.869 --> 00:21:34.730 maybe the psychological aspect of God coming to them with 463 00:21:34.799 --> 00:21:39.079 his word just will increase not only their boldness, but 464 00:21:39.559 --> 00:21:44.400 their faith in a way that it spreads even more quickly. 465 00:21:44.920 --> 00:21:47.319 And what's the best way to stop the oppression is 466 00:21:47.359 --> 00:21:48.640 for everybody to become Christian. 467 00:21:48.680 --> 00:21:49.200 Exactly. 468 00:21:49.619 --> 00:21:53.079 I just love that. It felt as though Jesus himself 469 00:21:53.619 --> 00:21:57.819 came and visited me personally. I absolutely love that. And 470 00:21:57.859 --> 00:22:00.440 it's convicting to me because sometimes I'm like, God, why 471 00:22:00.700 --> 00:22:02.220 aren't you speaking to me? And he's like, well, why 472 00:22:02.240 --> 00:22:03.839 aren't you reading the Bible? Because that way I can 473 00:22:03.859 --> 00:22:04.200 speak to you. 474 00:22:04.220 --> 00:22:04.480 That's right. 475 00:22:04.799 --> 00:22:06.920 You guys, one of my favorite quotes is, if you 476 00:22:06.940 --> 00:22:09.569 want to hear God speak, open your Bible. And if 477 00:22:09.589 --> 00:22:11.970 you want to hear him speak audibly, read it out loud. 478 00:22:12.769 --> 00:22:14.890 That's how you hear him speak. He speaks to us 479 00:22:14.910 --> 00:22:16.490 through his word. It's supernatural. 480 00:22:16.529 --> 00:22:17.210 It's amazing. 481 00:22:17.490 --> 00:22:19.869 You know, guys, it reminds me so many, you know, 482 00:22:19.890 --> 00:22:22.839 Christian heroes throughout church history. And honestly, some folks that 483 00:22:22.859 --> 00:22:25.839 I even know as well, they were saved by reading 484 00:22:25.960 --> 00:22:29.400 the Bible. They found the message of salvation in the Bible. 485 00:22:29.460 --> 00:22:31.940 The famous Augustine, take up the book and read, right? 486 00:22:32.000 --> 00:22:33.460 Take it up and read. That's what you got to do. 487 00:22:33.480 --> 00:22:37.829 Well, in times past, there was prophets and there was miracles. 488 00:22:38.539 --> 00:22:40.140 But today we have his word. 489 00:22:40.180 --> 00:22:40.519 We have his word. 490 00:22:40.539 --> 00:22:41.920 Very clear, very clean. 491 00:22:41.940 --> 00:22:43.220 Amazing. 492 00:22:43.599 --> 00:22:44.200 Praise God. 493 00:22:44.359 --> 00:22:44.539 Yeah. 494 00:22:44.640 --> 00:22:47.339 Yeah. And I think that's a lesson for all of us. 495 00:22:48.039 --> 00:22:51.900 Two things I think every Christian needs to do. Every Christian. 496 00:22:53.059 --> 00:22:57.619 Read the Bible more and give thanks more. Be grateful more. 497 00:22:58.079 --> 00:22:59.019 List our blessings. 498 00:22:59.160 --> 00:23:02.180 If we did those two things every morning, imagine the 499 00:23:02.240 --> 00:23:03.089 impact it would have. 500 00:23:03.410 --> 00:23:05.319 I would say, and I would add to that,

talk 501 00:23:05.339 --> 00:23:08.579 to God like he's actually there. Like, not you're just 502 00:23:08.619 --> 00:23:11.599 saying your prayers, but you're actually talking to him like 503 00:23:11.660 --> 00:23:14.869 a person and a person who's interested in you, in you, 504 00:23:15.220 --> 00:23:17.710 in your life, and a person who will act in 505 00:23:17.750 --> 00:23:21.009 your life. Have that faith for today and eternity. 506 00:23:21.390 --> 00:23:24.410 There's a movie, I can't remember what it was, but Duvall, 507 00:23:24.430 --> 00:23:25.650 is that his name, the actor? 508 00:23:25.869 --> 00:23:26.630 Robert Duvall, yeah. 509 00:23:26.690 --> 00:23:28.680 It might have been called The Apostle, but he's like 510 00:23:28.700 --> 00:23:33.400 a a preacher, and he walks around yelling at God. 511 00:23:33.819 --> 00:23:36.529 You know, just that's how he prays. He walks back 512 00:23:36.569 --> 00:23:38.289 and forth for hours yelling at God. 513 00:23:38.309 --> 00:23:39.730 It's like a psalmist. 514 00:23:39.769 --> 00:23:43.750 Yeah. 610-363-1110. You can talk to us. 515 00:23:43.930 --> 00:23:46.630 We're not God, but hey, we can give you the 516 00:23:46.730 --> 00:23:47.789 crumbs he's given us. 610-363-1110. 517 00:24:03.180 --> 00:24:04.440 Welcome back, everyone. 518 00:24:04.519 --> 00:24:05.099 We have a. 519 00:24:05.099 --> 00:24:08.940 Very special guest today, someone who we really were excited 520 00:24:08.960 --> 00:24:12.240 to get on, especially after the blue tasami that we 521 00:24:12.259 --> 00:24:16.460 just saw. Why don't you help me welcoming our guest, 522 00:24:16.589 --> 00:24:22.650 Walker Wildman, CEO of AFA Action. And we're so glad 523 00:24:22.670 --> 00:24:25.549 to have you on, Walker. I mean, I've been waiting 524 00:24:25.690 --> 00:24:29.089 on this just to ask you some very important questions 525 00:24:29.450 --> 00:24:32.769 and to see how Well, to see how you're doing 526 00:24:32.809 --> 00:24:35.390 with what happened in the midterm election. 527 00:24:35.450 --> 00:24:37.609 So welcome to the show. Hey, Mark. 528 00:24:37.730 --> 00:24:39.319 Glad to be back on the program with you. 529 00:24:39.950 --> 00:24:42.589 So let's just dig in here, Walker. 530 00:24:43.069 --> 00:24:46.650 What was your reaction to the election, the midterm? 531 00:24:47.670 --> 00:24:50.769 Yeah, it was worse than I expected. Matter of fact, 532 00:24:51.369 --> 00:24:55.940 exponentially worse than I expected. But now that I've had 533 00:24:55.980 --> 00:25:00.250 about a week thereabouts to digest it, A couple of 534 00:25:00.269 --> 00:25:03.549 thoughts come to mind. The first is that, and your 535 00:25:03.569 --> 00:25:08.470 listeners will completely understand this, but the economy was the 536 00:25:08.519 --> 00:25:11.099 number one issue and is the number one issue with voters. 537 00:25:11.839 --> 00:25:15.720 And so I think that I don't want to overcomplicate 538 00:25:15.740 --> 00:25:18.279 the results. There's a lot of analysts and pollsters that 539 00:25:18.319 --> 00:25:21.619 are trying to make this rocket science, but it's really not. 540 00:25:21.769 --> 00:25:25.289 I mean, President Trump went into office with a promise 541 00:25:25.410 --> 00:25:27.990 that he would fix the Biden economy. And he was 542 00:25:28.089 --> 00:25:30.670 on a trajectory to do just that. I mean, the 543 00:25:30.690 --> 00:25:33.930 day before the war in Iran started, all the economic 544 00:25:33.990 --> 00:25:35.619 indicators were looking very positive. 545 00:25:35.900 --> 00:25:39.250 Even debt had come down. All of it. 546 00:25:39.519 --> 00:25:43.259 Mortgage rates trending down. So ultimately, I think this was 547 00:25:43.400 --> 00:25:46.700 a frustration vote with the economy. There are some other 548 00:25:46.740 --> 00:25:49.769 factors as well. But largely, I think that was the 549 00:25:49.809 --> 00:25:52.769 frustration is that voters thought, hey, we're two years into this. 550 00:25:53.289 --> 00:25:55.250 We ought to be feeling some relief. And they weren't. 551 00:25:55.490 --> 00:25:58.029 And so That explains a lot of the results that 552 00:25:58.049 --> 00:25:59.670 we saw last week. 553 00:26:00.750 --> 00:26:02.829 I have a good friend, and we have him on 554 00:26:02.849 --> 00:26:05.730 the show, and we had him yesterday, Craig Haugard. We 555 00:26:05.779 --> 00:26:08.839 had a conversation about, do you think there was any 556 00:26:10.220 --> 00:26:12.579 illegal things that went on in the elections? 557 00:26:12.619 --> 00:26:13.779 And he's saying, nah. 558 00:26:14.500 --> 00:26:17.220 He doesn't think that there was any, but every day 559 00:26:17.279 --> 00:26:19.819 I'm seeing more and more facts come out, like how 560 00:26:19.859 --> 00:26:23.160 many voters are there in Virginia and how many people... 561 00:26:23.460 --> 00:26:26.519 actually voted, you know, and there's more people voted than 562 00:26:26.539 --> 00:26:27.960 there are registered voters. 563 00:26:28.089 --> 00:26:29.930 You know, it just didn't make any sense. 564 00:26:30.349 --> 00:26:34.049 And in certain counties, there were things like, oh, gee, 565 00:26:34.130 --> 00:26:39.210 we found some Republican votes that didn't get uploaded in 566 00:26:39.390 --> 00:26:43.630 in the election count and things like that. And then 567 00:26:43.750 --> 00:26:46.130 all of a sudden they found the little memory sticks. 568 00:26:46.210 --> 00:26:51.180 And the moment that the FBI got involved in it 569 00:26:51.279 --> 00:26:53.890 or whatever, You know, there's all these things coming up. 570 00:26:54.380 --> 00:26:58.940 Do you think that that this election was affected by 571 00:26:58.960 --> 00:27:05.480 non-citizens voting, by illegal voting, by stuffing the ballots, by 572 00:27:05.539 --> 00:27:08.720 all the ugliness that had gone on? And people are 573 00:27:08.779 --> 00:27:13.799 just afraid to say that anymore

because they're afraid of 574 00:27:13.839 --> 00:27:17.859 being persecuted as as Trump was. 575 00:27:17.660 --> 00:27:18.380 And other people. 576 00:27:20.160 --> 00:27:24.829 Yeah, I think there there are some. instances of voter 577 00:27:24.900 --> 00:27:29.150 fraud or illegal voting, etc. But I don't think that 578 00:27:29.190 --> 00:27:32.930 was done at scale here. Now, during the 2020 cycle, 579 00:27:33.470 --> 00:27:36.910 it was definitively proven that cheating was done at scale 580 00:27:37.529 --> 00:27:42.279 and multiple states completely threw out their state statutes just 581 00:27:42.299 --> 00:27:45.029 because they didn't want to enforce the law. And they 582 00:27:46.349 --> 00:27:48.630 threw the rule book in the trash in 2020 and 583 00:27:48.650 --> 00:27:50.930 just did whatever they wanted, and they called it because 584 00:27:50.990 --> 00:27:53.920 of COVID, and that was the excuse. But this cycle, 585 00:27:54.460 --> 00:27:58.980 I just don't see evidence of widespread cheating or irregularities. Now, 586 00:27:59.039 --> 00:28:04.460 you're going to have your pockets of heavily blue Democrat areas, Detroit, Michigan, Chicago, 587 00:28:04.559 --> 00:28:07.319 Los Angeles, and of course, who knows what they're doing. 588 00:28:07.980 --> 00:28:11.940 They've been dominated by Democrats for decades. But I'm hesitant 589 00:28:11.960 --> 00:28:15.509 to make this a broader issue For a couple reasons. 590 00:28:15.569 --> 00:28:18.990 Number one, the evidence just isn't there. And President Trump 591 00:28:19.369 --> 00:28:22.609 won in a landslide in 2024, just less than two 592 00:28:22.650 --> 00:28:26.059 years ago. He won the popular vote and the electoral 593 00:28:26.099 --> 00:28:29.619 college by a wide margin, which I would have said 594 00:28:29.720 --> 00:28:34.000 is just statistically impossible with these major metropolitan areas for 595 00:28:34.019 --> 00:28:36.680 a Republican to win the popular vote. And he did. 596 00:28:36.799 --> 00:28:39.500 So I guess that proves that crazy things can happen. 597 00:28:40.380 --> 00:28:44.549 Drastic political swings can happen. And so I think that's 598 00:28:44.569 --> 00:28:47.630 what we saw last week. And when you look at 599 00:28:47.670 --> 00:28:50.569 the exit polling and the polling going into Election Day, 600 00:28:50.630 --> 00:28:53.410 it all lines up perfectly, nearly. I mean, the pollsters, 601 00:28:53.650 --> 00:28:56.569 to their credit, actually got this election right in that, 602 00:28:56.769 --> 00:29:01.210 for example, young men swung 48% for Democrats. They were 603 00:29:01.269 --> 00:29:06.170 plus 14% for President Trump in 24. They were like 604 00:29:06.170 --> 00:29:09.690 33 or 30-something percent in favor of Democrats this cycle, 605 00:29:09.750 --> 00:29:12.410 according to exit polling and polling before the election. So 606 00:29:12.940 --> 00:29:16.200 all the numbers are lining up to make sense of 607 00:29:16.259 --> 00:29:17.980 a blue wave or a blue tsunami. 608 00:29:18.299 --> 00:29:20.680 I'd like to see those numbers because I'm reading different 609 00:29:20.720 --> 00:29:25.670 numbers then because I saw this article by another organization 610 00:29:25.710 --> 00:29:26.970 that was showing that the. 611 00:29:26.970 --> 00:29:28.970 Exit polls were just totally different. 612 00:29:29.309 --> 00:29:32.849 People were saying they voted conservative and, you know, the 613 00:29:32.890 --> 00:29:37.680 difference was like 25 to 30 percent different. And that's 614 00:29:37.779 --> 00:29:41.779 huge for an exit poll. So, I definitely need to 615 00:29:41.819 --> 00:29:43.319 see what you've compiled there. 616 00:29:43.519 --> 00:29:45.759 And I also saw. Go ahead. 617 00:29:46.059 --> 00:29:46.259 Yeah. 618 00:29:46.279 --> 00:29:48.900 Sorry to interrupt. The numbers I'm citing were specifically from 619 00:29:48.940 --> 00:29:51.960 the Fox News, what Fox calls their Fox News voter 620 00:29:52.000 --> 00:29:55.200 survey poll. And this was done the two weeks leading 621 00:29:55.259 --> 00:29:57.349 up to the election. And it actually polled about 100000 people. 622 00:29:59.150 --> 00:30:01.130 So that's the numbers I'm looking at as far as 623 00:30:01.509 --> 00:30:03.829 where young men went and how young men went in 624 00:30:03.890 --> 00:30:05.289 favor of the Democrats this cycle. 625 00:30:06.630 --> 00:30:12.309 Yeah, I know I love conspiracies, but I also know 626 00:30:12.369 --> 00:30:15.470 that I saw so much lie and so much persecution, 627 00:30:15.569 --> 00:30:18.259 so much craziness that I cannot let it go yet. 628 00:30:19.500 --> 00:30:22.019 But I can respect what you're saying, and I'd love 629 00:30:22.059 --> 00:30:25.200 to see anything that you have on that, because I 630 00:30:25.240 --> 00:30:27.980 think more and more is going to come out on this. 631 00:30:28.940 --> 00:30:32.619 Especially since one of the things that we saw was 632 00:30:32.700 --> 00:30:36.839 that when it came to the different issues on the 633 00:30:36.900 --> 00:30:43.730 ballots across the nation, the majority voted in a conservative way. 634 00:30:44.650 --> 00:30:48.450 On all aspects of things. So I thought that was 635 00:30:48.509 --> 00:30:52.819 very interesting. But then they voted liberal on the House 636 00:30:52.880 --> 00:30:55.740 and the Senate. That has never made sense where those 637 00:30:55.799 --> 00:30:58.700 two go together. And that's one of the big flags 638 00:30:58.740 --> 00:31:02.940 that I'm seeing. Maybe the voters are more complex these days, 639 00:31:03.059 --> 00:31:07.200 but there's just something wrong with it. And if there isn't, 640 00:31:07.400 --> 00:31:10.720 that's okay. But either way, actually, it's okay because God 641 00:31:10.809 --> 00:31:15.170 is in control. And maybe this will make people wise 642 00:31:15.289 --> 00:31:18.430 up against the elections. Maybe we can get the Congress 643

00:31:18.529 --> 00:31:21.750 off from sitting on their hands in these last few 644 00:31:21.789 --> 00:31:24.480 months they have and pass a voting act that would 645 00:31:24.559 --> 00:31:27.339 stop that kind of stuff. So we don't have illegal 646 00:31:27.440 --> 00:31:32.079 aliens voting. When we have 10 million registered voters in 647 00:31:32.140 --> 00:31:36.240 a state and 14 million people vote, we know something's 648 00:31:36.299 --> 00:31:36.839 wrong there. 649 00:31:36.940 --> 00:31:40.289 Yeah, to your point, when you look at a state, 650 00:31:40.329 --> 00:31:44.670 for example, South Carolina, the Democrats won the U.S. Senate 651 00:31:44.710 --> 00:31:48.829 race there against Lindsey Graham's sister, the late Lindsey Graham's sister. 652 00:31:49.230 --> 00:31:51.660 Democrats won that Senate seat, but yet they elected a 653 00:31:51.690 --> 00:31:55.829 Republican governor by a pretty wide margin. So there's some 654 00:31:55.890 --> 00:31:58.029 states where that happened, and some of the states you 655 00:31:58.069 --> 00:32:02.849 mentioned had conservative ballot initiatives pass, but then Democrats won 656 00:32:02.869 --> 00:32:06.829 statewide office on that same ballot. So I do agree 657 00:32:06.890 --> 00:32:10.430 that is odd that you would have voters kind of 658 00:32:10.549 --> 00:32:16.690 be that bipolar, but it's happened before. For example, in Texas, 659 00:32:17.509 --> 00:32:21.799 Ken Paxton for attorney general last election cycle He barely 660 00:32:21.839 --> 00:32:24.740 won attorney general, but President Trump and Governor Greg Abbott 661 00:32:24.779 --> 00:32:28.319 won by like 15 points. So it seems like voters 662 00:32:28.380 --> 00:32:30.559 do kind of pick and choose who they want to 663 00:32:30.599 --> 00:32:32.619 vote for and what they want to vote for and 664 00:32:32.660 --> 00:32:35.160 just leave other portions of the ballot blank, which to 665 00:32:35.220 --> 00:32:37.980 me is inconsistent and doesn't make sense logically. 666 00:32:38.799 --> 00:32:39.099 Right. 667 00:32:39.640 --> 00:32:41.920 There is a history of this kind of picking and 668 00:32:41.960 --> 00:32:44.930 choosing this a la carte ballot filling out. 669 00:32:46.180 --> 00:32:46.480 Yeah. 670 00:32:46.599 --> 00:32:49.240 Now, like you said, many people I've talked to said 671 00:32:49.559 --> 00:32:52.000 that they believe it was the economy and those kind 672 00:32:52.039 --> 00:32:57.829 of things. I think most informed voters got tired of 673 00:32:57.930 --> 00:33:00.430 Republicans sitting on their hands in both the House and 674 00:33:00.470 --> 00:33:04.569 the Senate. The lazy Republicans would be a kind way 675 00:33:04.609 --> 00:33:08.049 to say it. In my last op-ed, I called it 676 00:33:08.509 --> 00:33:10.690 that we have patriots, pigs, and traitors. 677 00:33:10.910 --> 00:33:11.720 That was the name of. 678 00:33:13.819 --> 00:33:17.420 The article. And the pigs make up the most of it. 679 00:33:17.430 --> 00:33:19.799 And those are people that are there for themselves and 680 00:33:19.839 --> 00:33:22.779 they'll do whatever it takes to stay elected. And I 681 00:33:22.859 --> 00:33:26.240 think that's what, what a lot of voters were tired 682 00:33:26.319 --> 00:33:30.839 of is not having people move on things. And I 683 00:33:30.859 --> 00:33:33.079 don't know, there's too many reasons why they could have 684 00:33:33.099 --> 00:33:37.460 vote negative, not intelligent reasons though. I mean, if you're 685 00:33:37.539 --> 00:33:40.519 pro-life and you vote for Democrats, you just voted for 686 00:33:40.539 --> 00:33:44.970 a platform that endorses killing babies and, If you're pro-family 687 00:33:45.109 --> 00:33:48.880 and you voted Democrat, you just voted for an organization 688 00:33:48.950 --> 00:33:53.579 that its platform says that sexual morality should be brought 689 00:33:53.619 --> 00:33:56.539 to the forefront and should be the norm. So it 690 00:33:56.579 --> 00:33:59.799 makes no sense that you would vote opposite of your beliefs, 691 00:34:00.019 --> 00:34:02.740 even if the people you're voting for were lazy. 692 00:34:03.529 --> 00:34:07.069 Yeah. What I think, yeah, to your point, I guess 693 00:34:07.109 --> 00:34:09.250 to help us make sense of this, because that's really 694 00:34:09.289 --> 00:34:11.309 what we're doing. We're like trying to talk through this. 695 00:34:11.789 --> 00:34:14.050 And figure out, like, how on earth does this make sense? 696 00:34:14.170 --> 00:34:17.110 Because a lot of it doesn't on paper. Number one, 697 00:34:17.170 --> 00:34:19.710 to your point, electing Democrats, if you're a Republican that 698 00:34:19.730 --> 00:34:22.510 voted for Democrats to, quote, fix your problems, they're not 699 00:34:22.550 --> 00:34:25.150 going to fix a thing. They have no record of 700 00:34:25.250 --> 00:34:31.289 fixing problems. But secondly, Republicans are going to have to 701 00:34:31.389 --> 00:34:35.489 govern conservatively and aggressively. And I think Governor DeSantis has 702 00:34:35.510 --> 00:34:37.420 given the country a blueprint. 703 00:34:37.010 --> 00:34:38.179 On what this looks like. 704 00:34:38.219 --> 00:34:40.440 And he's done a phenomenal job down there. And I 705 00:34:40.460 --> 00:34:43.119 think the Republican Party should take note. 706 00:34:44.059 --> 00:34:46.449 Amen to that, Walker. Thank you so much for coming 707 00:34:46.530 --> 00:34:49.869 on today. And if somebody wanted to catch your show 708 00:34:49.969 --> 00:34:52.849 and see your work, how do they do that? 709 00:34:53.650 --> 00:34:57.510 Yeah, American Family Radio, AFR.net, 1 to 2 p.m. Central, 710 00:34:57.550 --> 00:34:58.289 Monday through Friday. 711 00:34:59.210 --> 00:35:01.789 Thank you for joining us. We really appreciate it, Walker. 712 00:35:02.309 --> 00:35:07.719 I appreciate your insights. And we'd like your insights. 610-363-1110 713 00:35:08.099 --> 00:35:10.510 is how

you give them to us. And for all 714 00:35:10.570 --> 00:35:13.389 those who have served, we have a mug ready for 715 00:35:13.449 --> 00:35:17.170 you just to say thank you for serving in the 716 00:35:17.210 --> 00:35:19.030 forces and protecting our freedoms. 717 00:35:29.489 --> 00:35:32.409 The opinions and recommendations expressed on this program do not 718 00:35:32.469 --> 00:35:35.320 necessarily represent the opinions of the station or any of 719 00:35:35.360 --> 00:35:39.400 the program sponsors. Additionally, all products or services offered by 720 00:35:39.440 --> 00:35:42.179 the program sponsors may not be known by the program. 721 00:35:47.360 --> 00:35:50.760 Very interesting conversation there, Mark. So appreciate Walker and what 722 00:35:50.780 --> 00:35:52.760 he does on the front lines and the voter front 723 00:35:52.820 --> 00:35:53.619 and that sort of thing. 724 00:35:53.909 --> 00:35:56.929 Folks, we still got time. 610-363-1110. Give us a call. 725 00:35:57.150 --> 00:36:00.679 You know, Mark, an interesting follow up here. from that conversation. 726 00:36:00.699 --> 00:36:02.940 I saw an interesting article in the Washington stand that 727 00:36:02.980 --> 00:36:06.199 came out in the days after last week's election. The 728 00:36:06.239 --> 00:36:08.780 title of the article was basically this half of evangelical 729 00:36:08.860 --> 00:36:11.869 voters stayed home in the GOP route. 730 00:36:11.969 --> 00:36:13.130 So again, this is courting. 731 00:36:13.150 --> 00:36:15.329 This is according to an author at the Washington stand that, 732 00:36:15.820 --> 00:36:17.099 But he said some things like this. 733 00:36:17.139 --> 00:36:18.840 Here was some of what he laid out. The data 734 00:36:18.980 --> 00:36:21.929 is interesting. But then when he goes into the rationale, 735 00:36:22.010 --> 00:36:23.090 it's like there's some questions. 736 00:36:23.210 --> 00:36:23.530 It is. 737 00:36:23.590 --> 00:36:25.289 Yeah. So here was kind of his rationale. 738 00:36:25.349 --> 00:36:28.400 So instead of the victory against Roe in 2022, bringing 739 00:36:28.440 --> 00:36:32.119 down abortions, Biden era policies allowed chemical abortion. to legally 740 00:36:32.179 --> 00:36:35.159 enter every state, subverting state laws, resulting in an increase 741 00:36:35.199 --> 00:36:37.989 in abortion. The Trump administration claimed to have the policy 742 00:36:38.010 --> 00:36:40.469 under review, but the evident lack of energy, in contrast 743 00:36:40.489 --> 00:36:44.170 to every issue the administration prioritized, led many evangelicals to 744 00:36:44.289 --> 00:36:47.510 conclude that the administration was stringing them along. 745 00:36:47.889 --> 00:36:49.750 Congress was doing nothing to restrict abortion. 746 00:36:49.789 --> 00:36:52.750 The Trump administration was doing nothing to restrict abortion as well. 747 00:36:53.170 --> 00:36:55.570 In this economy, they just couldn't get excited about tariffs 748 00:36:55.610 --> 00:36:58.869 or immigration raids or triumphal arches or prosecuting Trump's enemies. 749 00:36:59.250 --> 00:37:01.210 They have family, social calendars, bills to pay. 750 00:37:01.289 --> 00:37:03.780 And so on Tuesday last week, Voting for nothing in 751 00:37:03.820 --> 00:37:06.300 particular did not make it to their to-do list. 752 00:37:06.639 --> 00:37:07.940 I'd love to hear your guys' thoughts on this. 753 00:37:08.139 --> 00:37:09.219 I agree about the arches. 754 00:37:09.239 --> 00:37:11.079 The arches are silly. 755 00:37:11.099 --> 00:37:12.519 What do you think, Mark? 756 00:37:13.239 --> 00:37:16.019 Well, I think the numbers are misleading. First of all, 757 00:37:16.059 --> 00:37:18.780 he didn't compare them to general voter numbers in general. 758 00:37:19.110 --> 00:37:20.349 There's a lot less. 759 00:37:20.179 --> 00:37:24.789 Turnout during the midterm elections than there are in a 760 00:37:24.829 --> 00:37:26.289 presidential election. 761 00:37:26.349 --> 00:37:28.650 But he did compare them to other demographics, though, and 762 00:37:28.670 --> 00:37:32.070 he said that compared to other groups, evangelicals came out 763 00:37:32.130 --> 00:37:32.670 a lot less. 764 00:37:33.409 --> 00:37:35.570 Yeah, maybe, maybe not, though. 765 00:37:36.050 --> 00:37:38.880 I mean, I'm going to have to take that apart 766 00:37:38.909 --> 00:37:43.260 a little bit more. But second, disappointment does not eliminate 767 00:37:43.280 --> 00:37:46.940 the responsibility. And what I mean by that is very simple. 768 00:37:47.559 --> 00:37:52.809 This president did more for pro-life than than. saving babies 769 00:37:52.829 --> 00:37:57.170 than any other president I can remember. He got it 770 00:37:57.269 --> 00:37:58.530 to the Supreme Court. 771 00:37:58.949 --> 00:38:00.989 He overturned Roe versus Wade. 772 00:38:01.329 --> 00:38:04.280 And are you telling me that evangelicals didn't come out 773 00:38:04.320 --> 00:38:06.440 because he did nothing in the last 10 weeks? 774 00:38:06.780 --> 00:38:09.059 I just don't believe that. I think that's a fallacy. 775 00:38:09.440 --> 00:38:11.179 I don't think that's why they didn't come out. 776 00:38:11.199 --> 00:38:15.349 I think that that any pro-lifer that would have voted 777 00:38:15.650 --> 00:38:18.969 any way different or not voted at all, realizing not 778 00:38:19.090 --> 00:38:23.940 voting actually votes for the enemy, would have been foolish. 779 00:38:24.099 --> 00:38:28.739 And most evangelicals who are strong pro-life are bigger, smarter, 780 00:38:29.300 --> 00:38:34.909 I guess even just better than that. So I think 781 00:38:35.010 --> 00:38:40.170 that Yeah, Christians don't vote as our evangelicals. There's a 782 00:38:40.769 --> 00:38:42.829 in general don't vote as. 783 00:38:45.090 --> 00:38:51.019 Do not do not embrace voting like another piece of 784 00:38:51.039 --> 00:38:56.000 this piece of the pie of stewardship, which they should. 785

00:38:56.989 --> 00:38:58.010 No doubt about that. 786 00:38:58.449 --> 00:39:03.380 But this just leads to a conclusion that this is why. 787 00:39:03.920 --> 00:39:05.699 And I think that was pulled out of thin air, 788 00:39:06.099 --> 00:39:07.659 that it was the abortion. 789 00:39:07.900 --> 00:39:11.239 It feels a little bit like the author's own opinion 790 00:39:11.300 --> 00:39:13.239 about why he was upset with Trump. 791 00:39:14.039 --> 00:39:15.260 Guys, let me share with you. 792 00:39:15.320 --> 00:39:17.460 And again, Mark, this feels like this is the week 793 00:39:17.539 --> 00:39:20.199 of having interesting spars between brothers. 794 00:39:20.199 --> 00:39:21.789 I agree with you guys in practice. 795 00:39:21.789 --> 00:39:24.489 I don't think the solution was for Christians not to vote. 796 00:39:24.489 --> 00:39:26.780 But I understand the sentiment behind this too. 797 00:39:26.780 --> 00:39:28.039 I do too. 798 00:39:28.099 --> 00:39:31.239 We saw the victory in Roe versus Wade, which was amazing. 799 00:39:31.260 --> 00:39:35.130 We say praise God for that. But- Has it really 800 00:39:35.449 --> 00:39:38.110 stopped abortions from happening? I would love to see abortion 801 00:39:38.150 --> 00:39:40.139 just be treated as murder in this country and be 802 00:39:40.159 --> 00:39:41.360 treated as such across the board. 803 00:39:41.380 --> 00:39:42.699 And so then it's actually abolished. 804 00:39:42.840 --> 00:39:45.440 It's great to do that, Seth. But when you look 805 00:39:45.480 --> 00:39:48.599 at what President Trump has done, he is not God. 806 00:39:48.719 --> 00:39:49.780 He is not king. 807 00:39:49.880 --> 00:39:53.500 He's the president. He appointed three Supreme Court justices who 808 00:39:53.699 --> 00:39:57.579 overturned Roe versus Wade. He reinstated the Mexico City policy, 809 00:39:57.659 --> 00:40:02.789 which took money away from funding foreign assistance. He expanded 810 00:40:02.809 --> 00:40:08.090 the policy substantially in January, 2026, uh, covering additional funding 811 00:40:08.150 --> 00:40:13.570 and organization. There are significant verifiable accomplishments. He did more 812 00:40:13.610 --> 00:40:16.820 than any other president. And to say that that's why 813 00:40:16.889 --> 00:40:20.320 evangelicals didn't show up. I think it would be foolish 814 00:40:20.400 --> 00:40:23.860 because he's done more than anybody else. And there are, 815 00:40:24.579 --> 00:40:27.179 I mean, yeah, like you're saying, there are reasons to 816 00:40:27.219 --> 00:40:30.769 be disappointed because babies are still dying. Yeah. But, um, 817 00:40:31.389 --> 00:40:35.170 You can't blame Trump for that. Just like you can't 818 00:40:35.210 --> 00:40:40.190 blame Trump to say, well, there's still some crime in 819 00:40:40.269 --> 00:40:40.929 some cities. 820 00:40:41.010 --> 00:40:41.570 Well, guess what? 821 00:40:41.849 --> 00:40:44.929 He's not the governor of those cities or those states. 822 00:40:44.989 --> 00:40:48.130 He's not the mayor of those cities. He's the president 823 00:40:48.150 --> 00:40:51.920 of the United States, which he has offered all the 824 00:40:51.960 --> 00:40:54.739 help in the world to those cities, but they refused him. 825 00:40:55.570 --> 00:40:56.969 As I like to say, he's just the president. 826 00:40:56.989 --> 00:40:59.590 Are you telling me evangelicals are just too stupid to 827 00:40:59.630 --> 00:41:00.289 understand that? 828 00:41:00.690 --> 00:41:01.769 I don't believe that. 829 00:41:02.130 --> 00:41:07.059 I believe this guy, like you said, this is more 830 00:41:07.079 --> 00:41:11.400 of his opinion of evangelicals than it is anything else. 831 00:41:11.860 --> 00:41:14.300 And we shouldn't even be spending another moment on it. 832 00:41:15.300 --> 00:41:16.039 Well, Mark, you know what? 833 00:41:16.059 --> 00:41:18.219 We should because it's time to go to some calls, 834 00:41:18.260 --> 00:41:18.760 a couple calls. 835 00:41:18.780 --> 00:41:20.139 Let's squeeze it at the end of the show here. 836 00:41:20.159 --> 00:41:22.230 Let's go to Dorothy and Thomas. Dorothy is a veteran. Dorothy, 837 00:41:22.250 --> 00:41:24.429 thank you for your service. Good morning. 838 00:41:25.079 --> 00:41:28.949 Thomas, Dorothy, good to talk to you. Glad you're calling 839 00:41:28.969 --> 00:41:32.670 in our good friends from Florida. Oh, yes. 840 00:41:32.750 --> 00:41:33.170 Hi. 841 00:41:33.389 --> 00:41:35.590 It's a pleasure and an honor to have served this 842 00:41:35.650 --> 00:41:40.730 country and even more so now because of where we 843 00:41:41.010 --> 00:41:44.969 are in the political realm after the election last week. 844 00:41:45.449 --> 00:41:48.269 And just to kind of piggyback on what Mark said 845 00:41:48.429 --> 00:41:52.309 earlier about the voting when he had on his other guests, 846 00:41:52.780 --> 00:41:57.840 My husband and I, for the last two, three, actually, 847 00:41:58.000 --> 00:42:02.429 elections for the midterm, when we first got here to Florida, 848 00:42:02.829 --> 00:42:07.949 we've been serving in the poll area ever since then, 849 00:42:08.150 --> 00:42:13.010 during Ron DeSantis, getting him re-elected in Florida for President 850 00:42:13.070 --> 00:42:17.079 Trump last, in 2024. And this year, one of the 851 00:42:17.159 --> 00:42:22.059 interesting things about serving in the poll watching and in 852 00:42:22.119 --> 00:42:27.699 the poll registration areas that for those last two, we 853 00:42:27.800 --> 00:42:32.449 always had Republicans and Democrats in the same area there 854 00:42:32.570 --> 00:42:37.570 during the early voting and during the actual day of 855 00:42:37.989 --> 00:42:43.710 this year, we had a few Republicans and hardly any 856 00:42:43.769 --> 00:42:47.769 Democrats at all that came to watch the polls. So 857 00:42:47.849 --> 00:42:51.269 that kind of, led me to think because a lot 858 00:42:51.329 --> 00:42:54.989 of the states,

the blue states that had, and I 859 00:42:55.030 --> 00:42:58.739 just have to say this, some shenanigans going on there 860 00:42:59.110 --> 00:43:03.000 is that they had the Democrat people to actually, they 861 00:43:03.039 --> 00:43:05.719 were told who to vote for and they were shown 862 00:43:05.780 --> 00:43:08.420 how to fill out the ballots. We had a couple 863 00:43:08.460 --> 00:43:12.420 of those incidents that tried to occur here in Florida 864 00:43:12.820 --> 00:43:16.320 during our term was we had an individual who came 865 00:43:16.440 --> 00:43:22.010 in with like, 12 or 14 ballots. She was stopped 866 00:43:22.090 --> 00:43:26.130 immediately because her comment was, oh, I'm bringing these in 867 00:43:26.150 --> 00:43:28.809 for my neighbors. And no, you can't bring these in 868 00:43:28.849 --> 00:43:32.070 for your neighbors, you know. They have to come in themselves. 869 00:43:32.130 --> 00:43:34.530 And they were all ballots that had been mailed in. 870 00:43:34.550 --> 00:43:39.010 So we got to stop on that. My husband, during 871 00:43:39.070 --> 00:43:43.719 his service, we always check IDs, has to be checked. 872 00:43:43.900 --> 00:43:47.840 He had an individual who come in for his voting 873 00:43:48.159 --> 00:43:51.920 that had a driver's license that only had a date 874 00:43:52.139 --> 00:43:55.199 on it, not a signature, but a date for his 875 00:43:55.239 --> 00:43:59.389 driver's license. So that was a challenge on that, too, 876 00:43:59.409 --> 00:44:02.030 because how can you prove that this is who you 877 00:44:02.210 --> 00:44:03.820 are without an actual signature? 878 00:44:03.840 --> 00:44:07.460 Yeah. You know, Dorothy, what they say about this is 879 00:44:07.659 --> 00:44:11.980 it's so small, the example you're getting, it couldn't affect 880 00:44:12.159 --> 00:44:12.780 the election. 881 00:44:13.079 --> 00:44:13.480 Guess what? 882 00:44:13.820 --> 00:44:17.539 You have that happen a million times, you've affected the election. 883 00:44:17.800 --> 00:44:21.480 You have all these little small things happening millions of times. 884 00:44:21.500 --> 00:44:25.300 You have, you know, oh, there was only 27 illegals 885 00:44:25.360 --> 00:44:28.539 voting in this county or 36 over here, but you 886 00:44:28.639 --> 00:44:31.219 add them all up together and you have millions of 887 00:44:31.300 --> 00:44:35.059 illegals voting and changing the election. I agree with you. 888 00:44:35.099 --> 00:44:37.860 I think that it's time for the voters act. It's 889 00:44:37.920 --> 00:44:42.110 time to get serious about our elections. And if our 890 00:44:42.489 --> 00:44:47.989 Republican leadership, um, won't do it, we need to get 891 00:44:48.050 --> 00:44:49.250 better leadership in there. 892 00:44:49.610 --> 00:44:50.230 It's time. 893 00:44:50.329 --> 00:44:53.050 It's like the debt in our country. We can't continue 894 00:44:53.170 --> 00:44:55.409 on down this road. 895 00:44:55.530 --> 00:44:58.039 Mark and Dorothy is, I agree with you completely. 896 00:44:58.460 --> 00:45:00.780 If this voter fraud issue ends up being something that 897 00:45:00.840 --> 00:45:04.000 is more serious than maybe we thought, um, I still 898 00:45:04.039 --> 00:45:05.940 blame the Republicans for that because they couldn't, they have 899 00:45:05.980 --> 00:45:07.139 passed the saved act, Mark. 900 00:45:07.179 --> 00:45:09.250 I mean, it's not a matter of who we blame. 901 00:45:09.329 --> 00:45:10.869 It's a matter of getting things done. 902 00:45:10.889 --> 00:45:11.150 Yeah. 903 00:45:11.389 --> 00:45:11.949 You got to get things. 904 00:45:11.989 --> 00:45:13.789 I mean, Mark, you gave the example yesterday, sitting on 905 00:45:13.809 --> 00:45:16.210 my hands for two years. That seems like it's the 906 00:45:16.250 --> 00:45:17.199 Republican way to go. 907 00:45:17.219 --> 00:45:19.079 It's crazy. Yeah, absolutely. Absolutely. 908 00:45:19.869 --> 00:45:21.670 Oh, I was just going to go to a different call, 909 00:45:21.710 --> 00:45:23.889 but it looks like they dropped. Oh, well, that's all right. 910 00:45:23.949 --> 00:45:27.010 We got a minute and 57. Dorothy, I really appreciate 911 00:45:27.250 --> 00:45:29.309 you and your husband calling in. I know you both 912 00:45:29.489 --> 00:45:33.429 served and you retired from the Air Force. We're going 913 00:45:33.449 --> 00:45:36.289 to get you out a couple of mugs. So I 914 00:45:36.329 --> 00:45:40.739 hope Dar has your information and you left that with her. 915 00:45:41.050 --> 00:45:43.420 God bless you so much for all the work you 916 00:45:43.460 --> 00:45:46.300 do down there in Florida and for all you've done 917 00:45:46.460 --> 00:45:47.059 in the past. 918 00:45:47.449 --> 00:45:50.469 To serve our country. You are appreciated. 919 00:45:51.670 --> 00:45:52.530 God bless you too. 920 00:45:53.230 --> 00:45:53.550 All right. 921 00:45:53.690 --> 00:45:54.130 God bless. 922 00:45:55.690 --> 00:45:57.889 And I want to say God bless everybody who tuned 923 00:45:57.969 --> 00:46:00.469 in today. It was a little bit of a rough 924 00:46:00.590 --> 00:46:04.139 show in that the topics were tough, but sometimes we 925 00:46:04.179 --> 00:46:06.360 just got to have to sit and deal with these 926 00:46:06.440 --> 00:46:09.320 tough topics and come to good conclusions. 927 00:46:09.440 --> 00:46:12.800 And the main conclusion is we are to act as stewards. 928 00:46:13.139 --> 00:46:17.460 We are to be the godly representatives in this country 929 00:46:17.840 --> 00:46:20.699 that God put us here for a reason, and that 930 00:46:20.780 --> 00:46:24.409 reason is to shine the light so that he is 931 00:46:24.510 --> 00:46:28.050 reflected more come to Christ before his return so that 932 00:46:28.110 --> 00:46:29.210 he is glorified. 933 00:46:29.309 --> 00:46:30.710 Thank you for loving the Lord. 934 00:46:31.230 --> 00:46:34.230 Thank you for investing with biblical integrity, and thank you 935 00:46:34.269 --> 00:46:38.119 for being here in financial issues with us this day. 936 00:46:38.500 --> 00:46:40.059 I look forward to seeing you tomorrow. 937 00:46:40.760 --> 00:46:44.429 As we continue these conversations and many more to help 938 00:46:44.469 --> 00:46:47.320 you be the best steward possible for the rest of 939 00:46:47.340 --> 00:46:47.739 your life. 940 00:46:48.019 --> 00:46:50.019 God bless everyone. We'll see you tomorrow. 941 00:47:09.909 --> 00:47:12.460 If we ever forget that we're one nation under God,