CTP (S3E140) It's the Affordability (Economy) Stupid! FACTS vs LIES.

CTP (S3E140) Affordability Now
It's the Affordability (Economy) Stupid! FACTS vs LIES.
Exploring more of the fascinating intersection of Activism, Community Engagement, Faith / Religion, Human Nature, Politics, Social Issues, and beyond   
We push past slogans and talk concrete steps to tackle affordability: temporary interest caps tied to prime, tougher minimum payments that hit principal, and real spending cuts that match new priorities. We call on listeners to pressure Congress and get off the sidelines.
• limits of executive power on interest caps
• temporary caps for on-time payers, higher ceilings for chronic late accounts
• raising minimum payments to speed principal payoff
• lower starting credit limits and stricter underwriting
• deficit math, tariff limits, and the need for real offsets
• civic action: calls, letters, donations, and primary engagement
• owning mistakes, learning fast, and staying focused on substance
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A Short Story: A Lasting Legacy? book Trailer

Transcript

Lead-In And Context

SPEAKER_00 0:24

Oh. Thank you for tuning in. Let's go to the show. This is a cheap segment. I am recording this as a lead-in to a standard Saturday show that is going to air through the audio platforms 25 plus of Christitutionalist Podcast. What was formerly a CTP video exclusive that I feel needs to go out as a regular show. So bear that in mind when recorded, it was a video exclusive. So the dates, it could be from a month ago, it could be from a couple months ago. So bear that in mind when you hear things regarding time frames, it may be from a while ago. So particular references may be a little dated. Trump talks real affordability while the left continues to dodge,

Affordability And Inflation Claims

SPEAKER_00 1:46

deflect, distract, distort, deny, lie, lie, lie about why we have to talk about affordability now. The four years of the buy-dumb and ultra-left hard control of Congress spending Congress. Four years of it. Cumulative inflation is well over 30% over the last four years they were in charge. But now all of a sudden they want to talk about affordability. Uh-huh. Well, you're the reason why we need to talk about this. And I made some notes while I was out. Oh please check out my latest book in my life and living series Complicated. Indeed, life is complicated. At any rate The video in the background. Affordability of interest rates. Trump's talking he'd like to see a ten percent cap on credit card interest

Can A President Cap Interest Rates?

SPEAKER_00 2:57

rates for a year. Okay, well let's talk about it. Number one, the president of the United States, and Trump knows this, doesn't have the authority to do anything about it. This is not executive order territory, but he needs to bring it up to push Congress to do something. What is it that can be done, could be done, maybe should be considered? At least let's have the debate. I'll get into it in a minute. Not only does Obamacare need to be repealed and replaced because John McLean, Senator Ariset, the moron blocked it from being replaced before. But where's the bill now? Senator Thune, Speaker Mike Johnson, where's the bill? Where's the bill? Pass the bill. Reconciliation. Obamacare was passed. Push through via reconciliation. 50 votes plus one in the Senate. Do the same. What are you waiting on? Rhinos, SENO's, conservatives in name only, or as I would

Repeal And Replace: Obamacare And Dodd-Frank

SPEAKER_00 4:18

dare say now, constitutionalists in name only, fakes, frauds, rhinos, do something. You can do it, you're not. Do it. President can't do everything. And you in the audience, what are you doing? Are you making calls? Are you writing letters to the editor? Are you writing emails to your representatives and even those who aren't your representatives so that your voice is heard? Oh, that's weird in the background, right? There's some ghosting going on. Pardon that. Trump can't do it. Constitutionally. Can't do it. He can talk about it, but what can he do? Well, yeah, he can talk about it. He can push Congress to do something about it. At least have the debate. Should we do something about it? The affordability, interest rates play a part in the affordability. Too late, Jerome Powell. I've had a video on that. Yeah, not bringing down interest rates fast enough. But should they be capped somewhere for at least a limited period of time to help people get back on their feet? Dodd-Frank. Repeal and replace Dodd Frank. And part of Dodd part of the replace can be interest caps. They can do that in the Congress. They could cap. Trump's talking about a 10% one-time, one-year limited cap on interest rates for credit card. What about houses? What about car loans? What what about my home equity loan? What what does everybody

Credit Card Caps And Broader Lending

SPEAKER_00 6:13

else get? It shouldn't just be credit card debt, but that's a big issue right now because people the last four years have had to charge food necessities at the grocery store because it was way out of control because of the left and the inflation production act, as well as the Climate Scam Act, fake infrastructure money laundering bill of the left did the last four years. And I'm not letting the rhinos off the hook. The continuing resolutions passed in 2025 and the one big still pork latent spending bill, the one big beautiful bill, the one big fraud bill, maintained continuing most of the Biden era spending in it. And especially no thank you to John Soon and the Rhinos in the Senate because the House did scale back more of that spending. So all the four years of Biden spending wasn't just that, the out years now. The Rhino Congress isn't cutting. Cut it out, cut it off. Period. It's end, it's done, it's over. No more Bidenflation causing manure. We have spending priorities we have to focus on. Trump has proposed another trillion in spending, another half trillion in defense alone. And I'm a peace through strength guy. I agree it's been neglected and we need to do something about that. But where are the offsets? Where are the spending cuts? Trump

Spending, Deficits, And Tariff Math

SPEAKER_00 8:08

said, oh, well, we could do the extra half trillion and still do spending cuts. Where? Where? I'm calling you out, Donald Trump. Also, where? Where are the cuts? Where are the offsets? And spare us the doge bullshit. Enough, enough, enough. Scam con. You saved a few pennies here and there on a seven trillion dollar a year budget. Pennies on dollars. Doge was a game, was a gimmick. Where are the real cuts? Where are the cuts? There's still almost a two trillion dollar budget deficit. Where are the cuts? And no, the tariffs aren't bringing in trillions. The tariffs are bringing in a couple hundred billion a year over several years. A couple hundred billion will not pay for tariff checks to go out totaling a trillion dollars. They only bring in a quarter of a trillion a year. See, I have this thing called honor and integrity. I'm a real conservative. I actually look at the math. I don't fall for this BS. So, yes, there are spending priorities we need to shift to in order to make that spending. We need to cut a trillion dollars at least of spending off of everything else. Not tomorrow, not right. The Congress always does a future budget. So of course, yes, tomorrow can't be today, can't be yesterday. It's gotta be today for tomorrow. So that next budget is less. And the appropriation bills. Again, we're headed for another shutdown because the rhinos in Congress aren't doing their job again. Of course, there will be no more omnibus bills. We had two continuing resolutions and the one big fraud bill, omnibus bill. Yes, we needed the tax cuts permanent, made permanent, as well as additional tax cuts and other things in that bill that are pro-growth. But growth alone are not going is not are not growth alone is not going to get us out of our problem. Our GDP can grow at five, even ten percent this year. It will not eliminate two trillion dollar deficit, budget deficit. It will not. Endless lying. All right, I got way off track. But what can we do? How about

A Flexible Cap: Prime Plus Proposals

SPEAKER_00 11:33

an 8% plus prime? A cap, 8% interest rates, the prime rate goes down, all the other interest rates will go down. If there's a problem with inflation and they do tick back up again, okay, they adjust up again. There can't be a physical limit except for, yes, maybe a one-time 10% for a period of a year, a one-time thing. And again, Congress has to do it, but the president can, could, and should continue to pressure the banks and the credit card companies to do it voluntarily. How about doing it voluntarily? And the other issue here, though, is there needs to be another. What about 12 plus prime for people who miss pay? If people are missing payments, they become a greater risk at defrauding and bankrupting. Then, yes, we need to allow the banks, the credit card companies, everyone to charge a higher interest rate for those with bad credit and those with greater risk. Why those of us who pay our bills continuing to bail out everybody else? Which gets me to lowering credit availability. And that's where the younger generation comes in. I'm sorry, you're gonna have to suffer. That credit card companies have high interest rates because why? They hand out credit cards like they're a gift at the bottom of a cracker cat box. $2,500 credit limit. Here, you have it, you have it, you have it, you have it, you have it, you have it, you giving it to everyone. Oh, the sun's peeking in the window. I apologize for the green

Risk-Based Rates And Lower Credit Limits

SPEAKER_00 13:23

screen glare there now. But anyway, that's what that is. The sun's shining in the door. But yes, okay, if we're gonna lower the interest rates, then the banks and the credit card companies need to look at everyone's credit limits and start lowering them. Stop giving out such high limits that leads to greater defaults. And how about when we repeal and replace Frank Dodd? We also require a higher minimum balance amount payment instead of the amount that keeps you hooked and paying more on interest and zero next to zero on the principal. So that your credit card payment has to go up in order so that you're actually gonna pay off the credit card balance. Not in ten years, paying the bare minimum and lining up paying four times as much as you charged on the card in interest. All of these things are factors, but people don't know it in America because we're economically illiterate. It's part of the leftist purposeful, willful destruction of the schools, the indoctrination factories, no civics, no history, no economics. Dumb sheep are easier to control. Educate yourself. Economic illiterate illiteracy is what's led to what we have now. Let me check my notes. What about credit cards, student loans, housing loans, car loans? There should be a cap on interest rates on everything and anything. And maybe you need to save up more and get a bigger down payment for a car or a house then in order to qualify. So you're less uh less susceptible to getting underwater and therefore defaulting, and then the bank needing to foreclose on the house of the car or charge everybody else for the credit card rates that so many people are defaulting on. Less available credit. Stop hanging them out like they're a Cracker Jack prize. Actually, look, the new person, $500 credit. You must establish yourself. You must show you actually pay your damn bills, and you pay your damn bills on time. The rest of us have to

Financial Literacy And Tougher Minimum Payments

SPEAKER_00 16:18

stop paying for your defaults. Enough. It's time to apply economic common sense into the system. Uh Cracker Jack, lower credit, I didn't write bankruptcies, default, that's a student loans. I covered that. Late payers, I write 12 plus prime or an eight plus prime cap for those who actually pay their bills. And banks and credit card companies stop handing it out like Cracker Jack prizes. Tightening credit is going to be a result of lowering the interest rates. It's an economic reality. I hate to break it to people who are economically illiterate. They just think they're entitled to everything. I'm entitled to everything. Give, give, give, give me, give me, give me. Enough. It's time to get economic common sense back into the system. Cutting spending, cutting the deficit. The tariffs aren't cut, aren't eliminating it. Growth will not eliminate it alone. Period. And yes, we need to harden our grid. I have a video exclusive on shoring up our infrastructure. A real infrastructure bill, not a leftist money laundering climate scam bill, actual energy, nuclear energy. Check out my video on that. We can solve our energy issue overnight, not necessarily overnight, but in short order. But we can't wait. Time is running out. Now, now, now get rid of the rhinos. Spring is rhino season. Fall, November is jackass season. Replace every rhino you can. And I demand every Republican, and I mean every Republican, even the ones I like,

Activism: Primaries, Pressure, And Participation

SPEAKER_00 18:33

like Kennedy and Louisiana. And you know, I don't want to really give examples, but there are some good Republicans. But every single one of them needs to be primary. They must all be forced to go out and campaign. And what about my We the People Demandless Pledge, a new contract with America? Sign on to it. And not just, oh yeah, well, we'll hold the vote. No, no. You will vote for these things or we will not vote for you. Remove the rhinos and the sinos in the primaries. Get them out and give real conservative control to the Congress and GOP. Conservative, real Republicans majority in the House and the Senate in the midterms. Get off your ass. You can't sit there. You need to do things. Now, not later. Now. The primary starts now. The general election for November midterms starts now. What are you doing? Not talking. What are you doing? What candidate are you supporting? What candidate are you donating to? Your time and your money? Both. What are you doing? Are you going door to door? Are you making phone calls? Not just whining endlessly online on social media. Get off your ass and do things. But anyway, this was about affordability. And the 10% interest rate cap,

Author’s Note: Owning Mistakes And Growth

SPEAKER_00 20:18

Trump was floating. Again, he doesn't have the authority or the power. But yes, he has the bully pulpit as president. And yes, he should start the conversation because the rhinos in Congress sure aren't gonna do it. Thank you all. Take care. God bless. Love you all. Not only are many trying to remove us from our constitutionally limited Judeo Christian ethos Republicans more seems to be forgetting our Judeo Christian Constitutional Foundation. Now we're a Christitutional. We talk about all these things. The facts, the facts, the future, typical community, today of Christian ethos, the whole Bible, biblical community, not all we communist, and okay, join the prostitutional and subscribe podcast and your episode. We need your help. Thank you for having tuned into another prostitution podcast show. I really appreciate that you stop by. Again, please like, share, subscribe. We need you to help spread the constitutionalist movement. Thank you again. Take care. God bless. Love you all. Did you see it? Did you see that in the background? I shouldn't say this. I shouldn't admit to it. Let me back up. There's a thing, and I forget the term I was on, but Bob meant Bobcat Bobcat. Bob lament his uh show. No, now I'm drawing a blank on what his show name is. Uh static radio. I always joke and call it static claim. Oh, there it is again. Did you see it? Did you notice it that time? Life is complicated? Oops, typo. You can see on the book cover, complicated is spelled correctly. And you can see here, complicated, it's spelled correctly. And most places it's spelled correctly, but nope, there, there, see, life is complicated. Oops. But I was talking with Bob Lament. We peros whatever. When the brain makes tries to make sense of things, it try you look up at a cloud. Oh, a bunny! The shape of a bunny, the shape of an elephant, the shape of a bear. Whatever, whatever, whatever. That's the brain overriding the there it is again. Life is complicated. Oops, I'm breaking my green screen. Anyway,

Closing And Subscribe Request

SPEAKER_00 24:27

you look up, oh, a bunny shape. No, that's our brain playing games with us, the optics. It's obviously not a cloud, unless a particular divine intervention write, like a oh, look, cloud in the shape of Mary, or cloud in the shape of Jesus in the toast. Remember that sold on eBay, whatnot? We often, sometimes maybe it's signs and miracles, other times it's just our brains, the way they work. The pair of pade, whatever that word is, Bob remembered what it was on that show. I don't remember what it's called, but it's the same thing with reading and writing. In my how to write a book and get it published, I go into that. That's why you need generally several editors to look at something. I had someone on my Christitutionalist show who talked about he's got a couple early Stephen King books with errors in them. Back, you know, before he was what he is now, and him and the ultra-rich publisher that he goes through can afford to have five different editors scour every line of his stuff ten times to catch anything like complicated is spelled correctly there, and waiting, waiting the video there complicated. I no one edited my video as I was doing it. I missed it. I missed it. They're complicated was spelled correctly on the scroll there, but the yellow scroll in the middle of the video, life is complicated. I missed the typo, and I've been using it. Have you caught it till now, or has your brain done what normally happens? Reading or writing, you expect to see it correctly. You know what I'm saying, you see it spelled correctly everywhere else, and it's a scroll, so it goes across. Oh, life is complicated. Obviously, what is being said there? But it's a typo. There it is again. The L is missing. I've got to stop using the video. Well, I have an official trailer that is being made for the book, so I will be replacing this short thrown-together thing that I did. I I can do basic stuff like this, but I can't do the complicated, pun intended, you know, advanced videos, and that could use Galaxy AI to put something together. At any rate, I'm human, I'm flawed, I'm frail, I'm imperfect. On my constitutionalist show, I say that over and over and over. So I wanted to come on and tell you it's spelled correctly there, but come on, video. It's spelled incorrectly there, hey typo. Hey, another example of I'm human, I can make a mistake. Can you admit to making a mistake? Can you look in your mirror and self-reflect and admit you're a flawed human too? Is the point I'm making here. So I'm willing to come on here and poke fun at myself and admit that I'm human and flawed, and I make dumb mistakes like that. I didn't catch it when I was reviewing it, and before I hit save and started sharing it, like as a motion background on several of my recent videos. So that mistake is perpetuated. Now that you know it's a mistake, you won't help but see it. So hopefully it won't detract from you getting the substance from the other videos because every time that scrolls by now you're gonna say, Oh my god, that idiot, look at that idiot. He's an author, he typos even in his stuff. Hey, lighten up. Stephen King made mistakes too. None of us are perfect. None of us are perfect. Let me lean in closer. None of us are perfect. We can all make mistakes. Can we lighten up? Can we show some grace? I made a mistake. Doesn't mean the book's not any good. I had a blast putting this book together. I I think it's my best book yet. I'm not just saying that because it's my latest one, but obviously, the more you do something, the more you improve at it. But like all of my books, I feel like it flowed through me. It isn't it's from me as an I'm the one that typed it into the laptop, but I feel like it flowed through me. Like a bit of a spoiler here. Do you saw the redhead there in the video? Well, he meets a strawberry blonde redhead in the book, and before that, as a foreshadow, there's a very weird, odd, metaphorical Annie chapter talking about the musical Annie. It's kind of a weird metaphor. I openly admit that, but it foreshadows his meeting a redhead. I I'm not that clever to come up with that. That came from somewhere else. I put it the pen to paper, really, fingers to the keyboard, and it flowed through me, but that comes from somewhere else. This stuff is far too clever for my human flawed frail mind. At any rate, thank you all. Take care, God bless. I just had to come on and again admit, hey, I'm human. The idi CTP3 book. Let me grab that. CTP3, CTP4, the 99 cents limited exclusive Kindle. You can get through Amazon. Only 99 cents the anger, uh, anger pride hubris chapter in there talks about that. Too many people have hubris. They won't ever admit to a mistake. You're human. We all make mistakes. We all can screw up. So I'm sorry this video has gone much longer than I wanted, but there were several important points raised by my idiotic typo beyond the typo. Thank you all. Take care. God bless. Love you all. Like and subscribe to Christitutionalist Politics Podcast and their episode. We need your help. Thank you for having tuned in to another Christy Two Scotch Podcast show. I really need to like your subscribe twenty house. Thank you.