The Radical Left Threat, Online and at UVU

00:00:03 Speaker 1: My name is Charlie kirk I run the largest pro American student organization in the country, fighting for the future of our republic. My call is to fight evil and to proclaim truth. If the most important thing for you is just feeling good, you're gonna end up miserable. But if the most important thing is doing good, you'll end up purposeful. College is a scam, everybody. You got to stop sending your kids to college. 00:00:27 Speaker 2: You should get married as. 00:00:28 Speaker 1: Young as possible and have as many kids as possible. 00:00:31 Speaker 3: Go start at turning point. 00:00:32 Speaker 1: You would say college chapter. Go start at turning point, yould say high school chapter. Go find out how your church can get involved. Sign up and become an activist. 00:00:39 Speaker 3: I gave my. 00:00:39 Speaker 1: Life to the Lord in fifth grade, most important decision I ever made in my life, and I encourage you to do the same. Here I am Lord, Use me. Buckle up, everybody, Here we go. Noble Gold Investments is the official gold sponsor of the Charlie Kirkshaw, a company that specializes in gold iras and physical delivery of precious metals. Learn how you could protect your wealth with Noble Gold Investments at noblegoldinvestments dot Com. That is Noblegoldinvestments dot Com. 00:01:17 Speaker 3: All right, welcome to the Charlie Kirk Show. It is Tuesday, May twelfth. It's heating up here in Phoenix, Arizona. We're at the y REFI Studios. How are we doing, Blake, We're doing all right, We're doing all right. Well, we're gonna get the show started off with a bang here because we have none other than the great Senator Mike Lee from the great State of Utah. We got to get into what's going on with FISA, what's going on with the Save America Act. We have so much to get into, and our audience is a little confused, Senator, about these two different topics. And we're also going to talk about UVU. You got mentioned in some radical literature that's been passed around that campus, and we're gonna be getting it into that the second half of this hour. But Senator, let's start with FISA. PAISA is confusing for a lot of people. Does it spy on Americans? Does it not? The President used to be against it, Now it seems like he's for it. What's going on here with FAIZA? 00:02:13 Speaker 2: First of all, FISA is the Foreign Intelligence Surveillance Act and it's designed to allow us to keep tabs on our foreign adversaries people operating outside the United States who were not citizens of the United States. In some circumstances, it can be and occasionally has been used as against Americans. 00:02:33 Speaker 3: Now. 00:02:33 Speaker 2: FAIZA seven oh two's authorization now is set to expire in about a month on June twelfth, and Section seven oh two specifically was originally enacted in two thousand and eight to make it easier for the government to get vital intelligence about foreign governments and their agents. The problem is that it has also allowed agencies like the FBI and the NSA to gather with some regularity and search through the private communications of American citizens without a warrant. In other words, there are some communications from US citizens that end up getting incidentally collected. This term incidental collection is the term that they use describe the fact that sometimes you'll have a phone call or other communication between a US citizen and an agent of a foreign power, and if they can then search through their database for everything that a US citizen has said, that's kind of problematic because you could target US citizens. So we want some protections in there to protect US citizens. There ought to be something something akin to a warrant that's required before you can query they FIZA seven h two database for information specifically on a particular US citizen. And so if we don't have that, this could create kind of a fourth Amendment and run right. 00:04:03 Speaker 3: So so explain to me. This is very interesting here because we've got this clip here with John Solomon and Sean Hannity that Shawn's got his new show, and they're talking about President Trump's own perspective on this, and I think this is what's confusing a lot of people, Senator, So I'll play the clip and get your reaction. On the other side, it's that one. 00:04:26 Speaker 4: Three of the four fives of Warrens signed by James Comey himself. You had to verify the authenticity of it to sign off on it, and he signed three of the four of them. Fast forward a little bit. All the people that signed every FIZE warrant eventually went before Lindsey Graham. All of them said, knowing asked the question, knowing what we know now, would you ever sign that PIZA warret knowing what I do now? Of course not. But they knew at the time. 00:04:56 Speaker 5: They kept the spreadsheet. This is one of the big stories we broke on your shower spreadsheet. They went through every sentence of the dossier. Ninety percent were either disproven, unverified, or unverifiable, meaning that there's no possibility there. When you have an intelligence product that's ninety percent unverifiable, it's garbage. It literally is garbage, all. 00:05:17 Speaker 3: Right, So listen to their language. So this was when they were spying on President Trump's campaign, James Comy. They're saying he signed a warrant. Are they miss speaking there? Is it not really a warrant or you know? So my question is, you know, they obviously knew that this intel was bogus, they signed it anyways, they got some authority authorization to do it. What is that authority an authorization compared to what you're calling for now? 00:05:40 Speaker 2: Yeah, No, I could be mistaken, but I believe they're talking about other sections of FAISO that aren't necessarily seven oh two, because seven oh two is directed specifically at agents of a foreign power, at people who were out operating outside the United States and who are non citizen. 00:05:56 Speaker 3: There's also FIZA Title one. Maybe that's what they were talking about. 00:05:59 Speaker 2: Yes, exactly, But the abuses of FISA seven oh two of PISA generally have been rampant and significant, and as a recent report from the Brennan Center for Justice has highlighted, FBI agents over the years, including some recent years, have searched in the FISAS seven oh two database for the communications of protesters across the political spectrum, of members of Congress, of a congressional chief of staff, a state court judge, multiple US government officials, and some journalists and political commentators, and nineteen thousand donors to a political campaign. It's also been abused at times for individual agents who decided to use it to vet romantic interests. One guy used it because he suspected that his dad was cheating on his mom, and so he did a PISAS seven oh two query for his dad, who was a US citizen. Somebody else used it to vet potential tenants in his rental properties. So, as you can imagine, all these things cry out for reform, and we need something akin to a warrant recriirement requirement. We shouldn't just rubber stamp these vast domestic spying powers for the same deep state that is targeted President Trump and members of Congress and countless law blighting Americans. Across the country. So no magat Republican not a support giving a loaded gun back to the squaw. 00:07:24 Speaker 3: No, I agree without reform, I completely agree, Senator. I'm trying to get clarity here because the seven oh two it looks like it's authorized by the FISA Court reviews and approves topical certifications and procedures submitted by the Attorney General and D and I to ensure appropriate targeting. The PISA title ie is the intelligent community attains an individualized probable cause warrant from the PIZA Court. Okay, so that's kind of the two buckets we had that graphic up. Seven oh two does not require warrant currently, and that is the key I guess reform that you're hoping to get in place here. 00:08:04 Speaker 2: Yes, yes, And to be clear to when you pursue FISAS seven h two investigation, there is a type of order that backs that up, and we're not taking issue with that. What we're taking issue with is the ability once you have accumulated all that information, which will necessarily include incidental collections of communications from US citizens that were incidentally swept up into that same investigation, in order to querry the database specifically, to see what a US citizen has said. That's where we need something. It can to a warrant. It says, look, we need to look at this. It's related to the investigation. Here's why we think it's relevant. 00:08:49 Speaker 6: Let us go do it. 00:08:51 Speaker 3: Yeah, I mean, why do you think just in thirty seconds here, Senator, why do you think President Trump as it just sounds like a singing from a different song sheet all of a sudden on seven oh two. 00:09:03 Speaker 2: Well, it's not unusual at all for any president at the United States to resist efforts to restrict the executive branch in its ability to do certain things. That's not unusual, especially in a hyper technical, hyper specialized context like FISA seven oh two. They've got people presidents of both parties, have people coming to them every day within their own administration saying we need this, we don't want it to be undone. And usually what they're focusing on is that FISA seven oh two does do good things, and I don't dispute that, but we need to protect Americans. 00:09:44 Speaker 3: Here, Senator Michael, I think we did a pretty thorough job on FISA seven oh two. I agree with you that no maga conservative, no conservative, candidly should be supporting warrantless surveillance of Americans. I understand the national security importance of it, but we got to have some checks and balances. And by the way, we cannot forget how it has been weaponized against us. They will do it again. They will do it again, even with checks and bounces. But at least we have some stop gaps. Senator, I want to turn our attention to the Save America Act. You have been one of the leading voices pushing this, pushing to nuke the zombie filibuster actually make senators debate on the floor. We haven't seen the progress that we wanted or that you wanted, but you've been doing an amazing job pushing that forward. I'm going to play a clip though from Kamala Harris here and get your reaction to thirteen. 00:10:35 Speaker 7: To your point about poll taxes, literacy taxes, this is not new in our history, and it's an agenda that has been in play since we got voting rights. And to fast forward to today, yes, it's just it's more of the same. What they will do is basically to your point, rev to register to vote, you're going to have to prove your citizenship by a passport or a birth certificate. So it is estimated that over twenty million Americans don't have a passport or access to a passport, and to get one is at least one hundred dollars, if not close to two hundred, which is essence of poll tax. 00:11:24 Speaker 3: Right, is the Save America active poll tax? 00:11:28 Speaker 2: Senatorly No, No, in no way, shape or form, is it a poll tax. And this is she's speaking with reckless disregard for the truth. Look, she's either flat out lying or she's been badly misinformed by someone who is lying. Obviously, if she had bothered to read the Save America Act, she would see the text beginning at line twenty two of page twelve of the bill, which makes clear that even if you don't have any of the documentation that you need to establish citizenship, you can, at a minimum just swear an awfat David saying here's where and when I was born and why I was a citizen at the time of my birth, Or if you're not a natural born citizen, how and when you became naturalized? That then shifts the burden to the state to disprove your citizenship. It's very very easy now, she says, Meanwhile, unless you have a valid current US passport or you know, some other documents, you're out of luck. And it's going to disenfranchise people. That's just a lie. It's just a flat out lie. Remember, the Save America Act secures our elections by doing two things. Requires verification of citizenship with registration and ID to vote in American elections, in elections for US federal office. Now, these provisions are massively popular among the American people, who, unlike Kamala Harris, understand what the bill actually does. Eighty three percent support voter ID, ninety five percent of Republicans and seventy one percent of Democrats. Seventy four percent support proof of citizenship requirements. That includes ninety percent of Republicans and sixty one percent of Democrats. Fifty nine percent of voters to support passing the Save of America Act this year before the twenty twenty six mid term elections. So look, the only place in the country where the Save America Act is even remotely controversial is among Democrats in Congress. And that's because they're lying about it, and many of them have been misinformed. So but we've got to overcome their obstruction and so We've got two options. We can either force the Democrats into a talking filibuster, we wait them out. We wait till they're exhausted, either physically or exhaust at the number of speeches they can give under Rule nineteen. Then we pass it by a simple majority. Or alternatively, they after getting physically tired, they negotiate face saving changes that will make them comfortable with it. That's how they passed the Civil Rights Act of sixty four. Or alternatively, we can just nuke the filibuster and pass the Save America Act by a simple majority. I strongly prefer the first option, but inaction is not an option here. We've got to do one or the other. 00:14:02 Speaker 8: Well, but so Saint as you say, it's you know, do we can dunk on Kamala all we want. We can say it's only Democrats who oppose it, but it is. There is a Republican majority, and we've speculated on all those options for getting the bill through. We've we get emails a lot about this, and they're always asking, Okay, why hasn't it passed? Why haven't any of these things been done? It seems a lot of conservatives think that they're getting played on this by Republican leadership, and is anything going to happen to disabuse them of that notion. 00:14:34 Speaker 2: Look, we continue to hear assurances from Leader Thoon and his office that we are going to get back to the Save America Act. We have been tied up on working on DHS funding, which we're still working on, and we'll be working through through the end of next week, and we've got to reauthorized PIZA between now in June twelfth. But sometime in the next few weeks this is going to be ripe again. We're going to have the opportunity in the moment where this comes back up. Now, you do raise a very important point. We've got some Senate Republicans, not very many, but a few who have been naysayers. And I hate to say this, but I can predict something here sometime in the next week or two. Specifically, because I'm doing this interview with you right now and I'm saying the things that I've said, You're going to see a left wing swamp rag like Politico or punch Bowl run a half dozen quotes from anonymous Republican senators who don't want to fight for the Save America Act complaining that I keep talking about it. That is a guarantee. But you know what, I'm not going to stop talking about it because the American people are with us. The American people deserve this. President Trump wants it pass. In fact, he's identified it as his top legislative priority, as it is mine. When Chip Roy and I set out to write this thing about three years ago, we knew that it needed to happen. I don't know that either one of us for saw the extent to which the American people would latch onto it and realize the urgency of it. Worth thrilled by the public outcry, We're equally surprised that in the Senate we still have opposition from Democrats and unfortunately from a few Republicans. We're going to overcome that bill because as we keep talking about it, it's going to be harder and harder for the naysayers to continue to push back. 00:16:19 Speaker 3: Senator, I've only got another ninety seconds here with you. I want to turn your attention to UVU. Obviously, there's a campus where Charlie was assassinated on September tenth, and there is an article out of the Cougar Chronicle. We're going to speak to this lead editor next, and it's you know, inside UVU's extremist student groups on campus, and the article details pretty shockingly how after September tenth, it's gotten worse on that campus, including images of you as signs depicting you as a KKK leader and the like. It's shocking in general, but to see it out of Utah, what is your reaction to that? And you know what can be done? 00:17:01 Speaker 2: Well, it's offensive and I think it's odd. I mean, I've never had anything to do with the Democratic Party, and of course the ku klux Klan was the enforcement wing of the Democratic Party, and so it seems like they're clueless about this sort of thing, the same people who call Republicans Nazis, ignoring the fact that Nazis and other fascists are at bottom socialists. But look, all these things show that left wing political violence seems to be growing, especially on many college and university campuses, and it's being promoted by progressive media in many cases politicians as well, who dehumanize half the country by calling them Nazis, which provides something of a permission structure for Antifa or other zealous and Hamas sympathizers to hurt their enemies, and by hurt them, I mean physically do them home. 00:17:50 Speaker 3: Well, Senator, we got to do something about these universities are getting out of control, even in Utah. Senator Mike Lee, thank you for joining us. We appreciate your time. 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Start with a free refinance review today. Go to Andrewantodd dot com. That's Andrew and toodd dot com called eight eight eight eight eight one one seven to two, triple A, triple A eleven seventy two Andrew and toodd dot com. Amazing guys, check them out. Please. All right, very important topic here. We're gonna welcome in Kimball Call. He's a lead editor for The Cougar Chronicle and he's just published a really important story about the increased activity of some pretty radical uh seemingly I guess you would say, inclined to violence even or at least violent ideation at UVU. Of course, UVU is where Charlie was assassinated on September tenth last year. Kimball, welcome to the show. 00:19:43 Speaker 9: Hey, guys, thanks for having me on. It's an honor to be here. 00:19:45 Speaker 3: Yeah, it's an honor to have you here. You've done a really important piece here, and you've documented some of the crazier posts the discord chats protests give us the thirty thousand view. So you went to document what's actually happening happening at UVU's campus. What did you find. 00:20:07 Speaker 9: So we found that since the assassination of Charlie Kirk, it seemed as though the left wing student body has gotten even more radical. We found that there was even in the direct aftermath, clubs organizing and mobilizing to not take advantage of the opportunity, but to honestly perpetuate the extremist rhetoric that I think led to Charlie kirk'ssassination. So one of these is the Civil Disobedience Club is what they call themselves. They're an official UVU club. They are on campus as a chartered club, and they organized in the very days after the assassination. And some of the things they've been involved with have been protests against the memorial for Charlie Kirk, protests against ice and DHS coming on campus for a career fair. They've been some of the they've been responsible for some of the more radical rhetoric, and we were able to obtain screenshots from within their club discord of them ideating on violence, talking about violence against other conservatives, and even offering to train each other and how to use firearms to defend themselves from quote unquote fascists. But there are also some other students and groups involved with this as well. 00:21:15 Speaker 3: Yeah, and I noticed that there seems to be an appeal for the expression bella chow, which is obviously the expression that was written on one of the bullets found that belonged to Tyler Robinson, where he had etched certain expressions on the bullets. And you know that you guys, actually, I guess confronted or you found this clip of somebody confronting a gentleman on campus handing out pamphlets and he says he's glad that Charlie is gone. At least we'll play the clip in heavy reaction to twelve. 00:21:52 Speaker 10: They're going, it's going good. 00:21:54 Speaker 8: So I'm just curious, why are you guys writing bella chow on the sidewalk? 00:21:58 Speaker 3: Because we're against fashion. 00:22:00 Speaker 9: You're against fascism here, So what does balachell mean? 00:22:03 Speaker 3: It's an anti fascist anthem, Okay. 00:22:05 Speaker 8: Does that have anything to do with it being ritching on the bullets like. 00:22:08 Speaker 9: Klled Charlie kirkt. 00:22:08 Speaker 3: It has nothing to do with that, okay. So that's just a free thing to. 00:22:12 Speaker 10: Do with it being an anti fascist anthem long before anything happened with Charlie kirk I. 00:22:17 Speaker 9: Cannot like that was Charlie Kirka fascist? Yes, absolutely he was. 00:22:21 Speaker 3: I'm not sad that he's gone. 00:22:22 Speaker 2: He wasn't a good man, he wasn't a good person. 00:22:25 Speaker 3: He wasn't a good Christian anyway. 00:22:26 Speaker 2: And you're glad there was a murder on this campus. 00:22:28 Speaker 8: That's fascinating. 00:22:29 Speaker 3: I'm glad that he's gone. Shocking glad that he's gone. So that's a really important insight into type of people we're dealing with. 00:22:36 Speaker 8: You can tell you you can even like see it in his eyes, the tenor of his voice. You can always tell these are absolutely psychotic people. This is a guy who is like, just hates a ton of other people, wants them dead, wants to take their stuff. All Antifa people are like this at heart. They are nasty, vicious, disgusting people without exception. 00:22:58 Speaker 3: Who is this guy Kimball. 00:23:01 Speaker 9: Well, we think he's according to some of our sources, he's the president or at least last semester's president of the Civil Disobedience Civil Disobedience Club. We know for sure he was in the leadership of the club and was involved with founding the club. And he's not the only one who has these opinions. Unfortunately, we have evidence of lots of other students and some that aren't even members of the club that share these these same ideas. And I personally see it as a university failing in their duty to produce citizens who can go into the into society and produce and be productive. When a university produces students like this, or allow students like this to leave their university with a degree, I see it as a as a fundamental failure of the institution. 00:23:46 Speaker 3: Kimball, you included in your report this. It was like a I guess it's an ex chat and the you know, flat ranger ut posted it and then he kind of follows up the post and said, it's really funny how much I pissed you off by recording this. And then there's an account here Cadazzle USA says Beli chow Connor. What is this a threat? Is this a death threat to the person that recorded this? 00:24:15 Speaker 9: I think it's certainly fair to interpret it that way. That's how some of the uv U, tp U s A members are interpreting it. Interpreting it we know for sure that well we suspect the student is a is a or this this x user is a student because he knows the name of the of the individual who was confronting that that president we saw earlier, and we know for a fact that this isn't the only instance of UVU students, particularly members of these clubs, using Bellichow against conservatives. We have also reports of Belichow this song being played near tp U s A tables when they're on campus, which is extremely inappropriate. 00:24:52 Speaker 3: There's this other group, it looks like National s DS. What is that group? 00:24:57 Speaker 9: So SDS is the Students for Democratics. There a group that can trace back their roots to the civil rights movement and they recently have had a resurgence. They're far left wing student group. Their nationwide. They have chapters in a lot of different universities and recently they've made their mission to try to kick Turning Point USA off of campuses around the country. So their instagram put out a call for chapters of SDS to find ways to kick like. They use the words kick TPUSA off campus, and they also use the words smash their chap, their charter, and smash their events, which is pretty aggressive rhetoric. As soon as this post was posted on the National SDS's Instagram page. You saw the local chapter of SDS at UVU immediately target a TPUSA fundraising event that the local TPUSA chapters were doing with a local Dave's Hot Shake in restaurant, and they spammed this restaurant with calls, with they review bombed them on every platform they could get their hands on, and they made it really difficult for this business to do their business in this community for a couple of weeks there. So we see we see SDS as a national organization trying to militate against conservatives, and we see these local chapters taking up that call and trying to fulfill it as best they can. 00:26:10 Speaker 3: Yeah, and I'm gonna show something I you know, it's not graphic. It's disturbing incredibly. I want to. I want you to. I'm gonna only show it briefly, but this is the kind of stuff that's getting shown on discord chats. And it's a picture. It looks AI generated of special beam cannon, is what it says. With Charlie and what am I looking at there? 00:26:35 Speaker 9: You're looking at students in the CDC Discord server. So this is their official club server mocking Charlie Kirk's assassination, and this is not the only instance we have of that happening on campus and within these group chats, but you see, you know, you see them delighting in in Charlie Kirk's assassination and making light of it. 00:26:56 Speaker 3: Was there any indication, Kimball, of the because I'll never forget obviously now it's seered into my memory. Ahead of that event at UVU, I noticed Charlie noticed that there was a disturbing amount of controversy around his visit, which leads me to believe that there was already a radicalized element very much active and present on campus. Do you have any reporting on these discord servers being very active being militant before nine to eleven or nine ten. 00:27:29 Speaker 9: We do have some screenshots that we didn't release yet. We have further evidence that we will be releasing soon. But some of the things we were able to collect were different organization chats preparing to violently protest Charlie Kirk's visit, and some were planning on throwing water balloons down from the balcony and doing other things like that. So far, we haven't uncovered any evidence that anyone in these student clubs knew about the assassination attempt, but we do know that they were finding some violent resistance to it and were stopped basically by security not allowing the people on the balcony. Fortunately, although unfortunately that security did not stop Tyler Robinson. 00:28:13 Speaker 3: Yeah, it's a really strange phenomenon, and in some ways I liken it to what happened after October seventh, Right, you got Hamas that kills over twelve hundred Israelis, and it seems to embolden people, these vicious acts of murder in that instance, terror It emboldened, you know, the protest movement, these pro Palestine Palestine movement in the United States and college campuses and internationally, and you see the same at uv used campus where they've almost become more vitriolic, more vile, more violent. This ideation talking about getting trained up in guns. The trans community wants to get end up in guns. In your reporting, it's a very troubling phenomenon that when something so vicious and vile and evil happens in their midst that instead of being cowed by it or rethinking their lives, they see it as a rallying cry to double and triple down on evil. I want to talk about this though, and Blake, I'd love your input on it as well. This phenomenon that we witness when something terrible, vile, evil happens, something so tragic, something so just awful in every conceivable way, and yet instead of kind of taking a step back, maybe moderating their tone, their rhetoric, their their signage, their discord servers, they're getting increasingly aggressive, increasingly vitriolic. Did you get any sense of why or how that. 00:29:51 Speaker 9: Is to me? I think I get the sense that these students saw the assassination of Charlie Kirk as a victory for their cause. And I know that's that's it's insane to think that they saw the assassination of a husband and a father and a really peaceful America loving guy as a as a victory. But I think they did, and I think we saw that in a lot of the immediate reactions to it online in the days and weeks after Charlie Kirk's assassination. I will never forget as someone who I wasn't there personally, but it was right down the road from my University of BUYU and I had many friends there, and it deeply impacted me personally as someone who started a TPUSA chapter at my high school. I just remember the depression I sink into when I saw the level of jubilation online from certain people, and I think those people are the same people running these student organizations that you view. 00:30:45 Speaker 3: Blake, I just, what's that? Yeah, Pulse, Yeah, I guess. Yeah, that's actually a good question to ask. 00:30:54 Speaker 8: What do you I mentioned that when with the video you showed where it's you can to me at least, it's just so obvious that someone like that is bad news. They don't behave the way a normal person behaves in conversation when talking about politics. They have this hateful lust towards violence. Do you do you do you back me up on that? Do you agree with that? Do you see this in a lot of these creatures on the radical left? There just seems to be something off about them. 00:31:24 Speaker 9: Yeah, there certainly does. You saw this in a recent video that went viral of a woman wearing a shirt that said make America kind Again viciously beating an effigy of Donald Trump with a bat at a protest. I think a lot of people have this sort of deep mental, like cognitive dissonance that helps that that makes them feel like they're virtuous when really that what they're promoting is deeply, deeply immoral. 00:31:50 Speaker 3: Yeah, and I think that's right, and you see it reflected. It's a topic we've discussed on this show multiple multiple times now, but it bears repeating, is that there is a dehuman language and ideology wrapped in kind of a grotesque moral projection that's coming out of the left, where they are wrapping a rationalization for violence and political violence in a moral framework that no Christian could ever recognize, that nobody in traditional Western culture would recognize, where they believe that it's justified. And you saw that in that clip that we played where he's saying, I'm glad he's gone. What he's saying underneath that is that I'm glad Charlie was murdered. I'm glad that this person that I disagree with politically was taken out. And I have a moral framework that justifies that. And the polling reflects that. Increasingly on the left, there are people that believe that it's justified. We played that, We've showed the poll again and again, but you have economists a a poll just after Charlie's assassination September thirteenth through the fifteenth I would have presumed that people would have been shocked and horrified by what happened at UVU, and that that number would have dropped. Perhaps it did, perhaps it went up. I don't know based on your reporting. Maybe it just sort of revealed what was already there. But it showed just under thirty percent of eighteen to thirty nine year old self described progressives believe that political violence is justified, and only about three to five percent, depending on the cohort, of the same age group of conservatives believe the same, which is still too high candidly, but it's not thirty percent. And we see that this bella chow becoming a thing that they all see. There's the graph. You can see that far left blue node up at the top there, nearly thirty percent of eighteen thirty nine year olds believe political violence is justified. And I think that's what your reporting has just revealed here, is that instead of even giving us the I'm sad it happened, he didn't deserve it, that shouldn't have happen, they don't do any of that. They just like chow, let's get let's go learn how to use firearms. Fascism is coming, is knocking at our door. What do you think they are consuming? Kimball at Uvu and maybe in Utah across the country, but it does seem uve you has a particular problem here. What are they consuming, What are they telling themselves to radicalize them like this? 00:34:19 Speaker 9: Yeah, you make a good point that at my university, which is right down the road, bringing Young University, we don't see the same level of violent rumination. I think what they're consuming are what Jonathan Hey and Greg Lukyanov described as like the three great untruths that my generation is learning, the untruth of fragility. These these kids are being taught from a young age in the education system that they're fragile and that opinions or ideas that they don't like are harmful to them. They're also being taught the untruth of emotional reasoning, that when they think with their with their heart instead of their head, they can be right because they feel right, and if it feels right to do something, then it is right. That that's what morality is based on. And then they're being taught the untruth of us versus them. They're being taught the world is divided into good and bad people, and the bad people are the people that disagree with them, and that if those bad, evil people are defeated, then they are the good guys. We have a joke where we call some of these clubs the anti bad guy good guy clubs because they think of themselves as revolutionaries against evil people. They don't have the moral ability to understand the nuance that there are good and bad ideas everywhere, that everyone has a little bit of good in them and a little bit of bad in them. They see themselves as good and virtuous and others as bad and evil, and so that allows them to justify violence and ultimately murder. 00:35:36 Speaker 3: Kimbacall, lead editor of The Cougar Chronicle, I think that was well stated. Thanks for coming on, Thanks for your reporting. 00:35:42 Speaker 9: Kimball, thank you. 00:35:46 Speaker 3: How much are life, liberty in the pursuit of happiness worth to you? This is the question America's founders had to answer. You See, for more than one hundred and fifty years of America's thirteen colonies governed themselves until written declared they had no right to self rule, So ordinary people had to make extraordinary choices and risk their lives, their fortunes and their sacred honor to fight for independence, and against all odds they won, and in victory they built one of the most stable and lasting republics in human history. Now experience the American solution like never before, thanks to our friends at Hillsdale College. Revolutionary America, a new documentary from Hillsdale Studios and narrated by Tom Selleck, brings the founding of our nation to life through the voices of those who lived, alongside insights from leading scholars and commentator. I'm telling you, Hillsdale has outdone themselves with this. It's amazing. You've got to check this out. You got to. Frankly, you gotta buy tickets to see this film, So please, please, please. It's something you could take the whole family to, you could take your friends, I mean listen. At a time when history is often distorted in schools and classes immedia, this is your chance to see the stories that really happened and ask yourself, what would you risk for freedom? Face the decisions our founders grappled with in Revolutionary American, a Hillsdale Studios film only in theaters May thirty first through June second, So get your tickets now by going to Hillsdale dot edu slash Revolution. You do not want to miss this opportunity to see this on the big screen. Hillsdale dot edu slash Revolution, to locate a theater near you and buy tickets for Revolutionary American one more time. That's Hillsdale dot Edu slash Revolution. Want to change our topics here, but it is related, and we've got Miranda Divine on the show to help us discuss it. Trump's counter terrorism strategy targets violent left wing extremists with transgender ideology, among other things. The strategy focusing on left wing groups reversus the Biden era concentration on right wing extremism. Miranda Divine, you were at the New York Post, a very celebrated author, the Big Guy Laptop from Hell. Welcome back to the show. 00:38:01 Speaker 6: Miranda, Thanks a lot, Thanks very much, Andrew and everyone there. 00:38:05 Speaker 3: So you are doing some reporting on this change of policy, and I saw it percolating in the news and I think it's extraordinarily noteworthy and important. Report tell us in broad strokes this change, who's leading it and what does it entail? 00:38:23 Speaker 6: Well, it's being led by doctor Sebastian Gorka, who's President Trump's new canterterrorisms are. And it's a departure from the very sinister Biden administration's national strategy on canterterrorism because instead of going after at Catholics at traditional mass or parents at school board meetings. I'm only slightly exaggerating there, the Biden administration was going after domestic terrorists, which Joe Biden told us repeatedly was ultra magus semi fascist people who supported Donald Trump. And this time Gorka has reorientated counter terrorism under President Trump's orders. From last September, he signed a document to say that this should happen. We're looking at hard threats against national security that would be Cartel's Islamic extremists and domestic terrorists, but actual violent actors that include explicitly Antifa. 00:39:28 Speaker 3: Antifa, and Trantifa. It looks like here's a tweet from Andy No he said, leftists and liberals are raging that the new US counter terrorism strategy names Antifa and Trantifa for the domestic terrorist threats that they are. This is a huge, huge topic for US, obviously because Charlie was assassinated by somebody that had a romantic relationship with a transidentifying person in Utah. It's something that we've seen. There was the Armed Queers of us l C. There was recent reporting out of Denver of similar groups arming up. There was a report just last segment that we did with the Krueger Chronicle and Kimball Call where he's pulling discord chats of other transactivists getting armed, learning how to shoot their rifles and this sort of thing. This is a a an epidemic that people I don't think focus enough on. Is just the violent ideation that seems to be prevalent in this community, Miranda. Is this something that that Sebastian Gorka and others seem to be fully cognizant. 00:40:34 Speaker 6: Of, And it's explicitly mentioned in this new canter terrorism strategy. I'll just quote it to you as real threats will ignored or underplayed. Americans have witnessed the politically motivated killings of Christians and Conservatives committed by violent left wing extremists, including the assassination of Childie Kirk by a radical who espoused extreme transgender ideologies. So they are explicitly looking at this, and I would just say that you said it's something we haven't focused on previously. In fact, it was actively ignored under the Biden administration and by the media, which downplayed, lied, and police hid things like one of the transgender shutors who shot up a Christian children's school. His manifesto was kept secrets for a very long time for no reason because other manifesto has come out immediately. It's just too I don't know what you know, appease, appeas terrorists. 00:41:47 Speaker 8: I guess it's it's just very inter it's very refreshing, I said, I want to read the exact quote from it where it just it says in the strategy, in addition to Cartel's and Islamis, terror groups were prioritizing the rapid identification, neutralization of violence secular political groups who are anti American, radically pro transgender, and anarchist, and it would be fascinating. 00:42:08 Speaker 3: I wish it was longer. 00:42:10 Speaker 8: It's it's only a sixteen page strategy, and it really only mentions the left a handful of times. But I would love to see a document building this out because it does strike me as a new threat. 00:42:20 Speaker 3: If you go on. 00:42:22 Speaker 8: Discord, which you can easily do, you can find these things. You will find these groups and they really feed on each other in a way that a lot of online groups don't, that they get radicalized by. It's very common online that you can see this on Reddit, where you'll see transgender people say that they want us dead, they're committing genocide on us. It's this extremely hyperbolic rhetoric and it's unchecked. And on top of that, it's sort of like they're almost getting this weird letdown. We're suffering from the fact that we won this culture war topic and they were kind of above criticism. They were almost a sacred thing for a few years, and then suddenly it's like they're getting yanked away. For them, it's almost like a political version of the way they flip out if someone misgenders them. 00:43:10 Speaker 3: Yeah, well, it's interesting. We've got this b roll here of Ermia Fenyan. She's the leader of Armed Queer's SLC Miranda. I don't know if you can see it, but you know, she's posing with what looks to be some sort of large drive. I can't see it. It's far far enough away. She's posing with Elizabeth Warren and these are so these are politically connected people that are celebrating an armed resistance to Blake's point of what they consider an existential threat to their future existence. 00:43:44 Speaker 2: Yeah. 00:43:44 Speaker 6: Look, I was doing a column recently and I need to expand on this. But in the course of my research into the Southern Poverty Law Center, which is now under indictment for funding neo Nazi groups and so on, which I believe they were doing to sort of drum up extremism on the right that didn't exist, that was shrinking, that was going away if it ever was a big threat. But at the same time they were defaming and smearing and putting on their hate list people like Charlie Kirk, who moderates, who were conservatives, but who's posed a threat to the left wing project, to the revolution, and so you know, Charlie, as you know, was placed on the Southern Poverty Law Center's hate list shortly before he was assassinated, basically putting him, putting a target on his back. I wouldn't allege anyway, when in the course of my research I found just have to I have to back this up. So I'm just telling you the preliminary research. But there was a transgender one of these armed queer activists who was involved in the Southern in Utah, who was involved in research in this for the Southern Poverty Law Center around Christians and Round Turning Point the USA, So that was in the early days. It's sort of a pilot project in Utah. I find that extremely disturbing, and I obviously need to back that up, but I have no reason to believe that it's not true. 00:45:30 Speaker 3: Yeah, it's a deeply concerning trend and we've been seeing it a lot, and it's starting to come into focus now and I'm so grateful that the Sebastian Gorka and others are now focusing on it. Miranda, I want to play this clip. This was from Charlie was murdered on a Wednesday, and by Monday we ended up doing the show in the White House. Jd Vance graciously hosted the entire show that d and he interviewed Stephen Miller. And I'm going to play this clip because it's something I think about a lot, and I know it's something Stephen thinks about a lot question. 00:46:07 Speaker 11: And I've said this before, but there's repeating. The last message that Charlie sent me was I think it was just the day before we lost him, which is that we need to have an organized strategy to go after the lefting organizations that are promoting violence in this country. And I will write those words onto my heart and I will carry them out. The people ask me, you know what emotions I'm feeling right now? This is something people say, I mean, you kind of know the answer. There's incredible sadness, but there's incredible anger. And the thing about anger is that unfocused anger or blind rage is not a productive emotion. But focused anger, righteous anger, directed for a just cause, is one of the most important agents of change in human history. 00:46:53 Speaker 3: So that Steven Miller is something I've thought about a lot, Miranda. That Charlie's final text to him was talking about the knee to go after these left wing groups. It be it begs the question, Miranda, though, because something Blake and I have talked about is so much of this ideology is diffused, it's decentralized, it's across discord servers. 00:47:13 Speaker 8: In fact, I would say this might be a particularly strong case of it. We were talking in the break about who a lot of these radical transgender are, the ones who've done shootings, and a lot of them are They're troubled men who have kind of fallen for a mental social contagion. A lot of them are on the spectrum. They're medicated, Yeah, they're highly medicated. Transgender leaning individuals are a lot more likely to be autistic. They're vulnerable to taking a lot of things highly literally or taking things to an extreme that most people wouldn't. So they're the ones who hear rhetoric that says, you know, they're killing us, they're committing genocide, and normal people hear that and they filter out, they go, Okay, they're saying something extreme to make a rhetorical point or get a rise out of people. These individuals take it literally. And we can look at the OLED shooter in Charlie's case, where he has these text measures where he says some he can't be negotiated with, and he seems to have been this quiet guy, but then he seems to have been radicalized in some extreme direction by what he was reading on the internet. 00:48:19 Speaker 3: So how do you deal with something that's this decentralized and this diffused through social media. 00:48:26 Speaker 6: Well, what the count terrorst strategy says and what Sebastian Gorka told me when I interviewed him last week. That interview will be out tomorrow morning. He says that they will use all the tools I'm quoting here constitutionally available to us to map these groups at home, identify their membership, map their ties to international organizations like Antifa, and use law enforcement tools to cripple them operationally before they can name or kill the innocent. They're also going after, he said to me, the funders of these groups, because they don't operate in a vacuum. My theory has always been with all these whether at the ANTIFA back in the Summer of Love twenty twenty, or it's morphing into this transgender extremism. I don't think it's an accident. This is really political actors, malevolent, sinister political shadowy actors who are praying on the vulnerable. 00:49:31 Speaker 5: You know. 00:49:31 Speaker 6: I do think that you just described who a lot of these transgender individuals are, and they really are to be pitied because their problems have been weaponized to use as a political weapon because I guess they're protected. That's the other sort of politicization of it. They have become sort of a protected category of violent extremists. And you see that with you know, formally or gust media institutions like The New York Times, publishing stories in which they deliberately confuse and blur the fact that these people are transgender, or that you know, a woman that they say who shut up a classroom is actually a man. You know, they won't do that. And this is all conspiring to confuse and blur the boundaries between crime and mental illness and somehow excuse this as not a trend. We're not allowed to see that there's a trend. We just have to think, oh, that's just some isolated crazy. But I don't think it isn't and I don't think it's fully organic. I think that they're unique. Vulnerabilities of these people make them the perfect patsies, the perfect killers. 00:50:54 Speaker 3: There's an article here that I'm reading right now. It's called It's from the Denver Right, and it's stock. It says Denver's queer gun club is booming part of a national trend, and the subhead reads this Miranda, fears of political violence are pushing some Denverites to learn to shoot. And these quotes are really interesting, where it says, you know, Mazzodi, who is queer, is fearful of mass shooting. She's worried about government violence, and she's lost faith that the US will ever pass gun control laws, so she's decided that learning to use a gun herself was the next best thing, considering everyone has a gun. I don't think pepper spray would scare people away, and it says that's common across the membership of Pink Pistols, whose local reach has doubled in the past few years. So the narrative that the Denverite is spreading is that these people fear for their lives so much that they're getting armed and to because they think the government's gonna come after them. I mean, perhaps this is you know, sort of the alex pretty renee Good narrative out of Anneapolis spreading ice. There seems to be a lot of overlap with anti ice rhetoric with these groups, but it does seem that, you know, they're they're teaching themselves, they're working themselves into a ladder, to Blake's point, and they're taking it very literally that they think, you know, the government's going to come after them or conservatives are going to try and kill them, which there doesn't seem to be any proof at all of either point, but. 00:52:24 Speaker 6: It doesn't matter because it just feeds into the sort of left wing soup that Donald Trump and his administration and any conservative anyone who supports him, are fascist and are out to get you and will pull you out of your bed and you know, throw you in a dungeon just because you're transgender. But you know, to do something serious about this is you do have to go follow the money, the classic story, and you know Sebastian Gorka mentioned specifically this multimillionaire maybe billionaire Neble Roy Singham. Fox Digital has done very good work tracing his funding of a lot of these radical groups. Now this is someone who made his money in the United States and now lives in China, So you have to wonder also what kind of a role do our foreign adversaries play in sort of whipping up unrest and discord in social media platforms. 00:53:30 Speaker 3: Yeah, Miranda, we got to wrap it up there. This was fantastic, great update on a very important topic. We appreciate you making the time. We'll talk to you soon. 00:53:39 Speaker 6: Thank you, bybye. 00:53:42 Speaker 3: In honor of America's two hundred and fiftieth birthday, our friends at Alliance Defending Freedom are inviting you to commit to five days of prayer for America since its founding America has been sustained by the prayers of its people. Through our highs and lows. Americans of faith have turned to God for wizd some guidance and strength. And so as we prepare to celebrate two hundred and fifty years of freedom, ADF is asking believers like you and me to join them in dedicated prayer for our country, thanking God for how he has worked in the past, and asking him to prepare us for what's ahead. Commit to pray for America by signing up today. For the next five days, you'll receive daily text messages and emails with specific prompts and insights about the issues facing our country and how you can pray about them. Visit JOINADF dot com slash Charlie to sign up to pray today, or text pray to fifty to eight three eight four eight. That's pray two fifty to eight three eight four eight to opt in without further ADO here. Very excited. This is something we've been planning for a little while. This is Lane Schoenberger, who is the Chief Investment Officer of y REFI. I got it all in Chief Investment Officer, which is a heck of a title. By the way, you know, you guys have been such a great partner of Turning Point. Charlie loved you guys. You guys had a really special connection, a really special bond. So it's an honor to have you in the studio lane. You guys do so much over at why Refic, So just tell the story about your company and all the great work you do. 00:55:20 Speaker 12: Oh, thank you, and it's a pleasure to be here. So thank you for having us. An honor really me, you know, and you know being friends with the Turning Point crew and with Charlie has been remarkable on so many levels and it's a real joy. So you know, why reef I what we discovered was there's there's a problem in this in the world that it doesn't it doesn't choose sides, right, it's it's the student loan problem. And you know, as of right now, we're in a situation where student loans are one point eight five trillion dollars. 00:55:52 Speaker 13: It's that high. 00:55:53 Speaker 12: And you know, back, I'll just give you a quick timeline if you look back in history two thousand and six, two thousand and seven, total student loan debt was about six hundred and eighty five billion dollars, which sounds like a lot of money compared today, it's nothing. And during the Obama administration, education finance was all brought back into the Department of Education and the problem exploded, and now it's one point eighty five trillion, most of which is federal. However, there are a lot in private student loans into the billions, about two hundred billion of that is private student loans. And what's really interesting is, and the reason we've created y REFI is we discovered that there is a there's a situation out there where, you know, federal loans, there's all kinds of options to help people defer payments, get their payments down under income driven repayment plans, different options for them to put in for barans. But when it comes to private student loans, there are no options for these borrowers. If they go into default, delinquency and ultimately default, the option is garnishment of wages after a court hearing. That's the end, that's the outcome. And what we discovered is is that you know, there's a problem here, there's a broken system that someone needs to fix. So we came up with a way to fix that problem and it's working beyond just beautifully. And that's I think one of the reasons. 00:57:11 Speaker 13: Charlie loved it. 00:57:12 Speaker 3: You almost said beyond your wildest imaginations or expectation. You almost said, because it really is. It's a remarkable thing because it's work well, because so many people desperately needed it. And Okay, so I visited your offices and you know, David gave me a tour around. It was remarkable. You've done the same with Charlie. I didn't even realize it when they're showing me the video here and we'll show it in just a second. But you guys really impressed upon me the fact that these students or the parents of the students call you and they're suicidal sometimes or they're so depressed they can't get out of bed. Yeah, because of this broken system. Just to dive into that piece of it a little bit. 00:57:52 Speaker 12: So it's a sad but true fact. The borrowers that are calling are in a very very bad situation, one that they have no way out of. There's no solution to the problem until now. And because of that, about seventy percent of these folks have a co borrower. So mom, dad, grandma, grandpa, someone co signed that loan with the borrowers, so they're all looking for a solution. In a lot of cases, grandma and grandpa whoever co signed that loan, they don't even know there's a problem until the collection calls start, and when that happens, it makes for very awkward conversations and families, creates a tremendous amount of strife. And you know, I didn't realize how bad that problem was until we did our very first borrower testimonial where she explained to us that she was considering a suicidal option. Was that was the choice that she was going for until we fix this problem for her. And since then, we've done multiple testimonials with borrowers where I've heard that multiple times. And it's not just suicide. Things like I'm delaying the starting of my family, right, They're delaying marriage, they're delaying having kids, all of these things. This is just this massive roadblock that has been created for these young people. And it's not out of choice. I mean, they did make the choice to take the student loan and go to get this education, but they didn't choose to get into the bad situation that it led to. Right, they came out of school. Something went wrong, right, So you know, at y REFI we've created some very some unique things. 00:59:21 Speaker 13: At least we've been told it's unique. 00:59:22 Speaker 12: And what I mean by that is our student loan advocates are on those phones and they're taking those inbound calls and they never know what they're going to get. It could be someone who's just overwhelmed with the anxiety and pressures of dealing with this. So we've got resources. You know, there's the typical HR resources, which we love our HR team, they do a remarkable job, but we put in house. We have an on staff chaplain. His job all day is to be there to listen, to consult, pray, talk whatever they need. And then of course you give them other things like a ping pong table or a pool table, and you'll see it in the video, I believe because they just need to go walk away and go smash a ball, just do something to get to refocus, and then they go back to the phones. And I tell you, our employees absolutely love helping these people. And you can tell by the Google reviews. We're over five hundred reviews or four point nine stars. And when these people are writing in they're writing these they're writing stories. This is Charlie at your that's Charlie at our office. Yeah, it was a great opportunity. 01:00:17 Speaker 8: It's one of the things I was saying that we say they have, you know, people you can call in the US. I think being able to call real people in an office in the United States has become a secret weapon. 01:00:31 Speaker 13: It really has. Yeah, really has. 01:00:32 Speaker 12: We don't have a phone tree. You call in and you immediately you're connected to a human being right here in Phoenix, Arizona that wants to hear your story. 01:00:40 Speaker 3: It's the type of company, by the way, where you see Charlie he's driving up to the to the office, but where I noticed that your staff lined up to shake his hand. Yes, that's the kind of company that you guys have that Charlie Kirk comes into your office and they're they're so excited to see him and honor to have him there. 01:00:58 Speaker 12: Right, they were excited to meet him. And you know, we didn't make a big deal out of him coming beforehand. 01:01:04 Speaker 13: We just wanted everybody needs to focused on point. 01:01:08 Speaker 12: And when he showed up, we said, hey, everybody, we just want you to know we have a special guest in the office. If you'd like to meet him, And it was just overwhelming the response. 01:01:16 Speaker 13: Right. 01:01:16 Speaker 12: And Erica has come in since then, and it was the same story where we didn't make a big announcement, We didn't want everybody. 01:01:22 Speaker 13: All distracted by anything. 01:01:24 Speaker 12: It was just, hey, Eric is here, do you want to meet her? And it was this same thing as Charlie. 01:01:29 Speaker 2: Right. 01:01:29 Speaker 12: People just loved to meet people that are out there doing good. And you know the reason that Charlie and Erica both embrace and love what we're doing is we're helping fix a problem that it doesn't pick It doesn't pick sides. This is a problem that is for everyone that's dealing with this. Like everyone in the country knows someone with a student loan. You know, the statistics are forty five million Americans have student loan debt. And what the government doesn't really talk about the fact that it's about seventy percent of their portfolio as a co borrower. Well, that makes it about seventy million Americans. 01:02:05 Speaker 13: Have student long debt. Yeah, right, it's a big deal. 01:02:07 Speaker 3: Well, and you talk about the putting off of family formation, buying homes, getting started on the American dream, and so what we've sold to so many of these students, and Charlie articulated in the college scams so brilliantly. We've sold this false bill of goods where this will, this piece of paper is going to give you everything you hoped and dreamed for, only to find out you're saddled with this debt. You can't get a job in the field that you studied half the time. And then if you are lucky enough to do that, you take the next decade of your life right or more to pay it off. And that's only if you're lucky enough to graduate, which a lot of them don't graduate. A lot of students take on a bunch of student loan debt and they drop out, and then they change careers. They changed careers. The piece of paper means nothing eventually. Meanwhile, you've got plumbers, electrician, HVAC repair guys. These guys are building businesses where they're making hundreds of thousands of dollars, no student loan debt, family formation, buying homes, buying properties, doing all the things that you know, we think that you should be able to do as an American. And so Charlie was dead set on that. So you found the perfect vehicle for the for the perfect product at the perfect time. Yeah, let's go ahead, Oh go ahead. Well, I was finding myself. 01:03:17 Speaker 8: I think it'd be this might be too big of a question, and I don't want to put you on the spot, but you've been up close to it. You've mentioned why the government sector of student loans. I was wondering, do you have thoughts how would you if you could reset the student loan system from scratch, how would you do it so that we don't have a two trillion dollar debt bomb for the young people. 01:03:36 Speaker 12: The first party is you've got to get the government out of the lending business. I mean, that's step number one. Get them out of the lending business, put it back into the private markets where it belongs. Capitalism will fix it. It always does, so that's step one, you know. And then what you got to do then is look back at what what we've currently done to these students and come up with a solution and what we're doing it. Why REFI is working so well in the private market. If we could apply that model to the federal line, a federal portfolio, we could we could wipe this problem out in short order. 01:04:05 Speaker 13: It just we need you know, it's the government. 01:04:07 Speaker 12: Right, there's a lot of hands in that cookie jar, a lot of decision makers, a lot of decision makers that don't make decisions. We could go on and on about that. I don't want to waste the time here for that. But you know, we've built something that's working exceptionally well. Borrowers love it, Investors love it. The lenders, servicers, agencies that hold the debt, they love it because it's working. It gets them paid quickly so they can move on lend that money out to someone else. You know, to your point, Andrews is right now, about fifty percent of our portfolio is made up of teachers and nurses because they come out with all this debt and then you know, they find themselves starting at the bottom of the ladder and have to work their way up. They don't they don't come out making substantial money. 01:04:44 Speaker 3: How long is it? How long is the average payoff period of a nurse's student. 01:04:48 Speaker 12: Loan debt before y refire? After just before before why refly? Over twenty years? Our average is ten point two My god, I. 01:04:56 Speaker 8: Mean, it's terrifying when you look at it, like there are people who even if they make money, they pay and they only cover interest. 01:05:02 Speaker 13: It just never goes down exactly. 01:05:03 Speaker 9: There's three hundred billion dollars of this. 01:05:05 Speaker 10: Type of debt right in the defaulted about forty five billion, forty five to fifty. 01:05:09 Speaker 9: Got it, okay. 01:05:10 Speaker 1: So if somebody has privacy the loan debt and they're making casual payments, they're not a candidate. 01:05:14 Speaker 10: So we get people all the time. They're hanging on by their fingernails, but. 01:05:17 Speaker 9: They're not defaulted yet. This mine could take them. 01:05:20 Speaker 10: If they're early stages of delinquency or late stages delinquency. People will come with us and so we run a full analysis so we know right away where they stand. Once we know where they stand, we structure. Every single deal is different for every bar. 01:05:33 Speaker 12: What's the latest we've taken someone right before a week before court? 01:05:36 Speaker 9: Oh yeah, we we regularly will have sum. 01:05:39 Speaker 12: Because they're on the outsime is garnishment of wages, you know, judgment and garnishment. 01:05:43 Speaker 13: That's the outcome. 01:05:44 Speaker 12: So if we can get to them before they get to that. 01:05:47 Speaker 10: It destroys their lives for many many years to come. 01:05:50 Speaker 2: They got out of school, they fell behind and then never had a chance and they had to bad credit. 01:05:55 Speaker 3: That was it was cool, cool video. Actually I've never seen that before. All Right, so you've got this, you're helping students, but you're also working on the investment side, which is what we're talking about lately, where you offer up to ten point two five percent fixed interest, which is I was telling you in the break. I was like, I remember going to college. It was like you got to assume a six percent rate of annual return over the long term, and I was like, well, what if you could get ten percent? Right, dee point two five percent is incredible to tell us about that side. 01:06:24 Speaker 12: So yeah, on the investment side, you know, we raise the capital that we need from private investment or investors, credited investors. We don't take any institutional capital, no Wall Street money. We want America to succeed in helping other Americans. So what we do is we've got five different investment options. One one year note that pays six and a half percent, a two year that pays seven, a three year that pays seven point seventy five, a four year at eight and a quarter, and a five year note at ten point twenty five, and paying these interest rates for years. What we do is we calculate interest daily, and we make monthly payments of interest only to the investor, and then we give the investor a lot of options where they can turn that interest income on or off, up or down as often as monthly, so tons of flexibility to the investor. There's a limited liquidity feature. So if the investor needed their money back early, put in a request at our well if we approve it. We've never taken longer than thirty days to approve, but I have to say that you get your money back. And what we do is we give the investor credit for the amount of time they were invested as a percentage of what they agreed to. So for example, if you're in the one year note and say six months in or fifty percent of the way through, you keep fifty percent of the interest up to that point in time. Same math on a five year note. We have a roll up feature, so if you invest in the one, two, three or four year note, you can at the end of your term lock in your interest and roll up to anything longer and finish out that term at the higher interest rate. 01:07:46 Speaker 13: It's very very. 01:07:47 Speaker 12: Again, all unique, and we've created this for the benefit of the investor. What did they want we gave it to them, and we again we keptuate interest daily and make monthly payments. And you know, I've given this example a few times because we've had it happen with other organizations. Where where are the investors rather where they want to give money to an organization. So a quick example, if you're to invest a million dollars, that kicks out about eight five hundred bucks a month on average, because again we calculate daily, so it's going to very month over month. Take out some taxes for that. Let's say it's eight thousand dollars net to the investor after taxes. Well, we've set our system up where you can actually send that money directly to the organization of your choosing. So we've suggested, for example, maybe you split that payment, send four thousand to turning point four thousand to your church. Whatever it is that you want to do, we can do that right there. 01:08:38 Speaker 13: In our system. 01:08:39 Speaker 12: It's very very unique, but it gives the opportunity for you to support not just why Refive, but other organizations that might be something important to you. 01:08:47 Speaker 3: Right, and it's important to remember all of this is helping the student loan right, right. You know, people that are struggling to start their lives, and that, in fact, you dropped at the end of the I'd not heard that before. Twenty years for the APPA verage nurse ten point would you say ten ten and a half years? 01:09:03 Speaker 13: So for why REFI? 01:09:04 Speaker 12: Our average loan is ten point two years and you know our longest loan is only twenty years. Our highest interest rate that we charge our borrowers is five point one to nine average it's around four. Now, this right here brings up the greatest question that we always get asked. Wait a minute, the math isn't mathing, right, Yeah, you just said no, no, it is not. And you know how you pay ten and a quarter when you're collecting four from the borrower doesn't make sense. I'll just give you the quick answer, and then I would encourage people to call in and we'll explain it in more detail. But long story short is we settle the debt at a discount with the existing lender service or collection agency, law firm, call it forty cents on the dollar. We then refinance that back to the borrower at one hundred cents on the dollar. We're not going to give them a discount. We actually add in a five percent refinance fee. We're not going to give them a discount on the face value of the loan. You know why, if we did, borrower gets hit with cancelation of debt income tax. Now they have an IRS prop, so you don't want to do that to them. We do share the discount with the borrower. We just do it through a low fixed interest rate and a custom term built around their ability to pay. So the average interest rate hovers around four percent, average term hovers around ten point two years. Right, so we're sharing the discount. We don't underwrite our barbers on Fiico. We underwrite them on real life, and with that we're able to we. 01:10:24 Speaker 13: Askcrow the borrowers. 01:10:24 Speaker 12: While we're underwriting them, they're escrowing their payments with us, so we can confirm they have the ability and willingness to pay us back. Right, So we share our discount with the borrowers, and then we share in essence are spread with our investors, so it's not to the detriment of the borrower. 01:10:39 Speaker 13: That's why it works. 01:10:40 Speaker 3: This is why you're the chief investment officer because that's that's complicated math, but it does make sense the way the way that you're able to make it work. And I just you know, you made this point that the capital capital capitalist system will find a way, will find a solution, and this is this is what you're talking about. 01:10:56 Speaker 13: This is what I'm talking about. 01:10:57 Speaker 3: Yeah, that there are solutions to our student debt problem, but the federal government has to get out of the way. By the way, another reason that it's a huge problem that the federal government's involved in student loan debt is because it's given these institutions the college cabal, as Charlie used to call, Oh yes, blank checks to keep increasing tuition, keep building that new building, keep building that new stadium. All of that gets passed down to the students and their parents, and it creates this knock on effect which again we're having fertility issues, we're having lower marriage rates, we're having the lack of ability to buy their first home. All of these are connected, you bet there. And if you could just have some private entrepreneurs with some creativity come in and provide a solution, we could knock out a lot of this debts so much quicker. 01:11:46 Speaker 12: Well, here's here's some interesting numbers right now, And this is why we're pushing so hard to raise the capitol we're sitting on over just as of last night, just shy of two hundred and twenty five million dollars worth of borrowers in escrow, meaning borrowers. Those are news or new borrowers waiting for us to fund their loans. Right, we're moving through that process. We're working hard to get them approved. We were intentionally slow in underwriting. Gives us a chance to get to know them, a chance for them to get to know us, make sure we're going to work together, and it works very well. Now I'll wrap up on this because it's kind of a fun thing. We created a program called Ignite. It focuses exclusively on trade and technical schools, and we were we launched it in October of last year. 01:12:29 Speaker 13: We had built it and we. 01:12:30 Speaker 12: Were about to launch it and we were about to share it with Charlie when all that happened. So I never got the opportunity, but I know he'd be very proud of Ignite because of the fact that it's literally focused on tech and trade, all about getting those kids through the education that they need, get them out into the trades, making money without a massive amount of debt. And we were able to fix yet another broken system. 01:12:50 Speaker 3: All right, So where do people find you? 01:12:52 Speaker 12: Go to invest y refight dot com or call the eight hundred eighty invest Give us a ring there. Ask any questions. We're happy to talk about it. Explain the product, explain the mission, and just enjoy who we are and what we do. 01:13:06 Speaker 3: I love it, Lane, this has been an education. Lane Schoenberger, chief investment Officer of y Reef. I check him out today. 01:13:14 Speaker 13: Thank you. 01:13:18 Speaker 2: For more on many of these stories and news you can trust, go to Charliekirk dot com