In this enlightening episode of Rush to Reason, John Rush and guest Cindy McFadden discuss the critical importance of the U.S. Constitution. From its historical origins to its current relevance, they tackle the widespread lack of understanding about this foundational document. Tune in to discover how Cindy’s innovative flashcards are helping Americans of all ages better grasp the Constitution’s contents and significance.
SPEAKER 08 :
This is Rush to Reason.
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It’s Rush to Reason with your host, John Rush. Presented by Cub Creek Heating and Air Conditioning.
SPEAKER 17 :
All right, welcome back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Hour three is upon us. Our guest today, and in studio, by the way, Cindy McFadden. Cindy, welcome. How are you?
SPEAKER 13 :
I’m great. Thanks for having me, John.
SPEAKER 17 :
I promo you being on today because it’s Constitution Day. You reached out, and you’ve got some things that will aid when it comes to knowing about the Constitution and all of that. You’ve got another partner sitting over here.
SPEAKER 13 :
Yeah, I call him my handler. He’s my husband.
SPEAKER 17 :
He’s the muscle.
SPEAKER 13 :
He is.
SPEAKER 17 :
He’s the muscle. Rick’s the muscle. So appreciate you guys coming in. And originally we were going to have you guys call in, but because of all the events of last week and all that, it worked out well to have you in studio today. So again, Constitution Day. Talked about this a little bit earlier in the second hour, September 17th. So we actually timed it well for you to be here and actually do it this day. And I’ll start by asking, why is it so important to have Constitution Day and the Constitution itself?
SPEAKER 13 :
Well, it’s like the board game. Like if you’re playing a board game, you need to know the rules. People in this country are losing, we’re losing our values and our ideals because people are not understanding the Constitution. They no longer know what’s in it.
SPEAKER 17 :
And I think I’ll even go one step further, Cindy, and say they’re even misguided as to what’s in the Constitution. What I mean by that is at times I think that they think there’s things in it that aren’t or there’s things that are in it that they don’t think are.
SPEAKER 03 :
Right.
SPEAKER 17 :
It goes both ways.
SPEAKER 13 :
Right.
SPEAKER 17 :
They’re very misguided and partially because they don’t know the Constitution.
SPEAKER 13 :
Exactly. One thing I find interesting is People use the word democracy over and over and over, and that is not a word in our Constitution. It’s not a word in the Constitution.
SPEAKER 17 :
If you’ve listened to me for any length of time, you know that that’s a big deal for me. I’ve corrected guests before where they will say things along the lines of, well, you know, we value our democracy, or they’ll say something and they’ll have the word democracy, and I’ll say, yeah, time out real quick. I’m a big one on I don’t like that word in that context because that’s not what we are.
SPEAKER 13 :
Exactly.
SPEAKER 17 :
In fact, our founding fathers made sure that we weren’t one.
SPEAKER 13 :
Exactly. That they were not about having a democracy.
SPEAKER 17 :
No, because it’s mob rule.
SPEAKER 13 :
Yeah, they were worried about factions. They were worried that people would take their own ideas and cause chaos around our country because they want what they want.
SPEAKER 17 :
Right.
SPEAKER 13 :
And we can’t do that.
SPEAKER 17 :
No. And the way our form of government is set up, for those of you that maybe don’t know this, let’s give you a little instruction. In a republic like we are, a constitutional republic like we are, it’s everybody has a voice.
SPEAKER 13 :
Everyone.
SPEAKER 17 :
Where in a democracy, the small guy gets no voice.
SPEAKER 13 :
Exactly. And the way our government is set up, it protects all of us. We all have equal rights under our Constitution. Our Constitution is a written law, the playbook for our country. And rich or poor, black, white, it doesn’t matter. Everyone has the same voice.
SPEAKER 17 :
We talked about this with Richard Battle in the last hour, and I think it’s really important because, again, the other misconception is that instead of it being 1787 when the Constitution came out, that it was on July 4th of 1776. Everybody thinks that’s the day all of this was formed in our country and so on. And the reality is, no, it took— Eleven years of our founding fathers really being, you know, prayerful, diligent, seeking the right answers, making sure that things were done in a proper manner so that they didn’t have a repeat of what they’d left.
SPEAKER 13 :
Exactly. It’s interesting. When… When we declared our independence, that is not when our Constitution was established. It took years. We were under the Articles of the Confederation first. And those articles, we know now that they were weak, and they were not going to help us sustain our union. And so they went back to the drawing board, not necessarily to rewrite. They were going to go— and fix it up, but they realized there were too many problems with it, so then they rewrote the entire thing. And interestingly enough, there were 55 delegates from 12 of the colonies, because Rhode Island didn’t send delegates. There were 55 men in a room, and they didn’t all agree on everything. There was a lot of compromise, a lot of discussion, and that’s how we came to our Constitution. And interesting, Ben Franklin even said at the end, the day that it was going to be signed, he urged people to sign it. He said, not a perfect document, but the best we could find with the 55 and all of us compromising. He said, it’s the best the world’s ever known. Not perfect.
SPEAKER 17 :
No, you make a great point because there was, I don’t think people realize this, there was compromise. Some wanted certain things that they didn’t get. Others thought there were things there, i.e. the Bill of Rights, that we didn’t need. A lot of folks, a lot of those founding fathers said, listen, we don’t need the Bill of Rights because these are God-given rights anyways. Why do we need to spell out what God’s already given us? I’m paraphrasing, but that’s essentially what they said. So then my comment back is, yeah, well, you need them for the stupid people.
SPEAKER 13 :
Exactly. Exactly. I’m sorry.
SPEAKER 17 :
I don’t know how else to say it, but that’s why you need them.
SPEAKER 13 :
Yeah. Well, there were 55 original delegates thereabouts, and they were all speaking. By the time we got to 1787, September 17th, there were 41 left. And only 39 of those 41 signed the actual Constitution. Two left. They were not going to sign it because they were not happy with it. I’m not getting my way. I’m leaving.
SPEAKER 17 :
I’m going to take my ball and go home.
SPEAKER 13 :
Exactly. So they didn’t sign it. So we ended up having 39 signers. Some left early. They were not involved in the final drafting and so forth. But the 39 that signed it were the ones that got it on board. And it didn’t go into effect right away. That day it did not go into effect. We had to ratify it first.
SPEAKER 17 :
Good point. I know the left, you know, they think the Constitution is an old document. It needs to be redone. In fact, I think some on the left would just as soon see it go completely away. They want somebody to interpret the Constitution in today’s terms, not in its original terms, which, much like the Bible, it doesn’t need to be changed. It was fine then. It’s fine today. There’s no reason to change it. I like Supreme Court justices that look at it the way I want it looked at, i.e. our founding fathers set it up this way for a reason. Let’s keep that originality there and keep it moving forward. Yes, I know there’s things today they didn’t have then. Transportation, things like that. I get it’s not the same time it was then, but much like the Bible, and I’m not saying the Constitution is the Bible. It’s the Bible of our country. What I’m saying, though, in that way, Cindy, is that It was good then, it’s good today, and those guys had enough wisdom to know that what we’re setting in stone today and what our foundation is will carry on for hundreds of years.
SPEAKER 13 :
Absolutely. Interesting that you say hundreds of years because when you look at how old, it’s 238 years old today.
SPEAKER 17 :
That’s right, 240, or it’ll be, yeah, exactly.
SPEAKER 1 :
238.
SPEAKER 17 :
And our country’s birthday next year will be the 250.
SPEAKER 13 :
Yeah, and what’s interesting, if you look at, Statistically, how long a written constitution lasts around the country, it’s about 19 years. Ours is 238 years.
SPEAKER 17 :
Meaning those guys had, and I believe this, and I don’t care what anybody says, you can disagree with me, but it was by God’s will and by his Holy Spirit and the indwelling of and the ability for those men. And even I think wives had some influence. I don’t think it was all just men, by the way. I think there was a lot of influence there. And I think that those men and women had enough wherewithal to realize that, wait a minute, we’re doing something way beyond us. Absolutely. And we need to be attentive to what’s going on in that spiritual realm as well. And it always bugs me when people say, well, you know, God’s only mentioned four times in the Constitution. Well, first of all, only four. That’s a lot. But on top of that, there’s a lot more to it as far as the Christian foundation goes than just that.
SPEAKER 13 :
Absolutely. They were not looking for something just for the moment of their lifetime. They were looking for something for generations to come. And they did that. They did that very thing.
SPEAKER 17 :
To your point, they did a masterful job because it still exists today. All right, we’ll take a break. We’ll come back. We’ve got more to cover, and we want to talk about what you’ve got set up to help people learn how to actually know what’s in the Constitution. I don’t want to leave that on the table. We’ll get that handled as soon as we come back. Flesh Law coming up next, though. For those of you that need help when it comes to the legal end of things, please give Kevin a call today. He’s my attorney. He can be yours as well. 303-806-8886.
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SPEAKER 17 :
All right, Dr. Scott, who, by the way, thinks exactly the way we do, and he could even be involved in this Constitution conversation we’re having right now, and I mean that sincerely. So if you want somebody that doesn’t think like Big Pharma and Big Healthcare, give Dr. Scott a call today. My doctor as well, 303-663-6990.
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SPEAKER 17 :
This is Rush to Reason on KLZ 560. And we are back. Rush to Reason, Denver’s Afternoon Rush, KLZ 560. Thanks for tuning in. Cindy McFadden with us. And Cindy, again, the main reason you’re here is to, you know, promote’s not the right word, but to let people know that you have the ability to help them learn the Constitution. And we were just talking through the break how many… I’m sorry to say, but how many folks are supposed to be defending and honoring the Constitution yet don’t know what’s in it? And I mean that in a series of ways, politicians, law enforcement, and so on. There are so many that take an oath to defend it and uphold it yet don’t know what it is.
SPEAKER 13 :
Right. Every politician has to take that oath to defend the Constitution. And yet many of them couldn’t answer some basic questions about what’s in the Constitution. Right.
SPEAKER 17 :
So talk about your system that you’ve devised that will actually help people learn it.
SPEAKER 13 :
Okay, well, so for many—I’m an educator. I taught elementary school for many years, and then I had my own kids and home taught them. And I wanted my kids to really understand the Constitution, and I started making flashcards. And one day my son was sitting next to me on the sofa, 11 years old, and they had the man on the street. And kids at spring break couldn’t answer, what are the three branches of government? How many senators are there in Congress? Mm-hmm. They couldn’t answer basic questions. My 11-year-old son’s answering them one after the other.
SPEAKER 17 :
He’s rattling them off.
SPEAKER 13 :
Yes.
SPEAKER 17 :
Good for him.
SPEAKER 13 :
And then I thought, aha, I think it’s those flashcards that I make all the time. We go over and over, and he really enjoyed it. They’re fun.
SPEAKER 17 :
Sure.
SPEAKER 13 :
So I thought, why not?
SPEAKER 17 :
Just like you teach him math and spelling and other things in the same way, right?
SPEAKER 13 :
Yep, the basics.
SPEAKER 17 :
Okay.
SPEAKER 13 :
And so that’s what I did. You know, obviously we had a textbook and a history book and so on, but I took the main points and I put them out on flashcards. And every day during our history lesson, I’d take three or four minutes just to go over the flashcards. Pretty soon he knew so much. And it dawned on me a couple years ago, people just don’t know what’s in the Constitution. There was a study done during Constitution Day by Annenberg, and they did a study and found that most Americans can’t name the rights that are given in the First Amendment. And so I thought, well, I’m going to make these cards, and I’m really going to go through the Constitution, do a lot of research. And so I developed a card set, and it’s a box set of cards from – an introduction to the Constitution all the way through, the preamble, all the branches of government.
SPEAKER 17 :
Yeah, I see there’s – for those of you listening here, this isn’t like five cards. How many cards total are there?
SPEAKER 13 :
Just under 200. It’s 198 cards, but it has an introduction, and then the three branches of government each have their own color-coded section. There’s a section which – one two and three are the first articles okay and then articles four through seven have a small section because they’re there there’s not a lot in them right and then all 27 amendments so you can and and they’re very fun i have a friend that i took him out to lunch for his birthday and we are literally on opposite ends of the spectrum okay and you know i’m conservative he’s a raging liberal okay and I broke him out at lunch, and he could not stop. I was afraid he was going to pour his coke on him. He kept going through them and discussing it with me, and he said, these are so fun.
SPEAKER 17 :
That’s awesome.
SPEAKER 13 :
And that’s what they are. They’re just fun little tidbits.
SPEAKER 17 :
That’s awesome. We have a question coming in. Paul in Fort Collins, go ahead.
SPEAKER 05 :
Hi. I was just wondering, are you, your guest, this question to your guest, are you aware of the original 13th Amendment? Yes. Okay. Okay. Could you elaborate that with the host and listeners? Because I think most people are not aware of the original 13th Amendment.
SPEAKER 17 :
Thank you. Okay, we’ll let you go, Paul. She’s grabbing her cheat sheet, her cards.
SPEAKER 13 :
Yeah, I’ve got my cards here. Well, I’m not sure what you mean by the original 13th Amendment, but I know that it is the—well, I don’t know if you mean amendment or if you mean what Lincoln did first.
SPEAKER 17 :
He let those go.
SPEAKER 13 :
Well, basically, Lincoln, you know, he first freed the slaves in the South. Right. And then he freed all the slaves. So the 13th Amendment didn’t go into effect until…
SPEAKER 17 :
No, it’s okay. Grab your card. You’re good.
SPEAKER 13 :
That’s all right. You’re fine. So in 1865 is when that amendment was made. But originally, Lincoln didn’t free all the slaves across the United States. It was slaves in the South. Okay. So I don’t know if that’s what he’s indicating. I don’t know.
SPEAKER 17 :
Yeah, and Paul, if you want to even send me a text message and let me know on that, yeah, that’s fine. But your flashcards, because I saw you thumbing through those, makes it really easy to figure out what’s actually going on there.
SPEAKER 13 :
Right. So on the front it just says 13th Amendment, 1865, and on the back it says the amendment bids slavery in the U.S. and its territories except as a criminal punishment. So there’s, you know, not that you can become a slave, but they can put criminals to work and – prison systems and so forth.
SPEAKER 17 :
And you’ve got all of these, because I can see from looking at the cards, they’re all done in that same format.
SPEAKER 13 :
They are. It’s a question on one side, answer on the other. So an example, what is the preamble? Turn it over. It tells you that the preamble is the introduction to the Constitution, and it tells the goals. It sets out the goals of the Constitution.
SPEAKER 17 :
Yeah, the framework. Yeah. I guess you could say, right? Yeah, that’s what the preamble is.
SPEAKER 13 :
What they were intending.
SPEAKER 17 :
It’s just kind of dialing it in.
SPEAKER 13 :
Exactly.
SPEAKER 17 :
Here’s what we’re going to cover.
SPEAKER 13 :
Exactly.
SPEAKER 17 :
Kind of like what I do when I come on air and talk about, here’s what’s on the show today.
SPEAKER 13 :
Right.
SPEAKER 17 :
No different, right?
SPEAKER 13 :
Right.
SPEAKER 17 :
That’s exactly what they were doing there.
SPEAKER 13 :
The preamble just introduces the Constitution, tells why they’re writing it, and so on.
SPEAKER 17 :
In order to form a more perfect union. That’s right.
SPEAKER 13 :
Yeah.
SPEAKER 17 :
And on and on we go.
SPEAKER 13 :
Yes, it is. Yeah, six goals set out.
SPEAKER 17 :
So how long have you been doing these, Cindy?
SPEAKER 13 :
Oh, my gosh. It took me a few years to put them all together. And then I had them printed. And, I mean, I just, I don’t know, a couple months that they’ve been out in print.
SPEAKER 03 :
Okay.
SPEAKER 13 :
But, oh, I took years, I mean, making them through my years of homeschooling my kids.
SPEAKER 17 :
Are these available for people to acquire? Yes.
SPEAKER 13 :
They are. You can go to learnitquick.us, and they’re available there.
SPEAKER 17 :
So learnitquick.us. I’ll put that in my notes so you guys can have that as well later.
SPEAKER 13 :
You can also buy them at the National Archives gift shop. Oh. I just sold a lot to the, yeah, I don’t know what you call it, a bunch, a batch. Yeah. So I got a purchase order. A case, whatever you want to call it. Yeah, a case. And I’m new at this. I mean, it’s just a passion project for me. You know, I look at what’s going on in our country, and it’s driving me crazy that people can’t have civil dialogue over this.
SPEAKER 17 :
Well, in this being, to me, this is really important because this, as we said earlier, this is the foundation of everything that we stand on as far as a country is concerned. I mean, all of our, again, yes, I know we have God-given rights, and I’m not going to get into all those details, but lining out all the things that we have as a country and the rights that we have within it is all spelled out in the Constitution. Yep.
SPEAKER 13 :
And it’s like playing a board game without having the rules. You have to know the rules.
SPEAKER 17 :
Yeah, I know, and I like the way you put that because sometimes people want to cheat, by the way, when it comes to the board games. The Constitution doesn’t allow you to cheat.
SPEAKER 13 :
Right.
SPEAKER 17 :
Is that a good way to say that?
SPEAKER 13 :
That’s exactly right.
SPEAKER 17 :
um and i’m reading some of the text messages sorry there’s a bunch that have come in and i apologize it’s hard for me while i’m by myself to actually do this i’m trying to see if there’s anybody that has any questions um also listening to you guys about the constitution i’d like to point out the fifth amendment convention of states was added at the end and they were almost done they added that And that was a unanimous decision and no debate over the 15th. OK. It should be over the 5th because I think the word it’s hard when you’re texting. I get it, guys. But there was in other words, there was no debate over that particular amendment. That’s interesting. You know what? I didn’t know that one. So that’s good. Are there a few items not ratified yet? Somebody asked.
SPEAKER 13 :
Well, I’ll say that as far as ratification, when we go to amend our Constitution, those are bills, and we have to ratify them. There are things probably on the books that haven’t been ratified yet. But the amendments, we have 27 amendments. Ten were added as the Bill of Rights in 1791. And since 1791, we’ve only added 17 more. But 11,000 have been proposed.
SPEAKER 17 :
That I did not know.
SPEAKER 13 :
More than 11,000. It’s not easy to amend the Constitution. So more than 11,000 have come across the boards that have not been ratified.
SPEAKER 17 :
Okay, that one I just learned something on because I did not know that.
SPEAKER 13 :
Yeah.
SPEAKER 17 :
Okay, so what types of things in that $11,000 are they looking to do? Do you have an example?
SPEAKER 13 :
Oh, gosh, I couldn’t tell you. I mean, anything that Congress brings before the president that they want to amend or change, it depends on what they set before him.
SPEAKER 17 :
Okay, so it could be any number of things.
SPEAKER 13 :
It could be any number of things.
SPEAKER 17 :
Okay, I did not, again, I’m learning from you today because I did not know some of that. That’s interesting. And I should have asked too, when they go to learnitquick.us, what do these cost?
SPEAKER 13 :
They’re $37 in shipping and handling.
SPEAKER 17 :
That’s not bad at all. So for under 50 bucks, you guys can learn everything you want to learn about the Constitution and have your kids and family and everybody else and share. The other thing I would say, too, this is just I’m not doing this because Cindy is here, but to put a plug in for her, like her friend, you may have somebody that you know would benefit from these. Buy them a set.
SPEAKER 13 :
Sure.
SPEAKER 17 :
You know what? Buy them a set. And you don’t even have to do it in their face. You can even probably do it anonymously. Find out what their address is, buy them, have them drop ship to them, and they’ll get them in the mail. They’ll start opening them. And believe me, they’re put together in such a way that they will look at them.
SPEAKER 13 :
Yeah, they’re interesting. They’re color-coded. And what I like, again, they’re not partisan. It’s just what’s in the Constitution. It’s just the facts of the Constitution. Absolutely.
SPEAKER 17 :
There’s nothing in here that’s political.
SPEAKER 13 :
It’s just this is the Constitution. This is what it says. Yeah, I haven’t added my opinion or anything. I took the Constitution and literally went through it and picked the interesting, big ideas from the Constitution. And you’ll certainly know a lot more than you know now if you go through these just under 200 cards.
SPEAKER 17 :
In a lot of ways, this is what most people don’t realize this. If you immigrate to the U.S. and you become a legal citizen and you go through the citizenship test. Frankly, you know more about our Constitution than those that are born here and never have to go through it. Am I right in saying that?
SPEAKER 13 :
That’s exactly right.
SPEAKER 17 :
And that’s basically what these cards are doing is helping somebody through that type of a process.
SPEAKER 13 :
Right, right. You’re learning about, you know, what can the president do? What is the executive branch? What is separation of powers? What are checks and balances? Those are things we need to know.
SPEAKER 17 :
Right. What does the First Amendment really say? What does the Second Amendment say?
SPEAKER 13 :
Right.
SPEAKER 17 :
You know, what are your search and seizure rights and and and and we go, correct?
SPEAKER 13 :
Exactly. So many people know 2A. We all know 2A and I love 2A. But you have to know what 17A is and 15A and so on. So there’s 27 we should know for sure.
SPEAKER 17 :
I always say it’s the second that keeps all the rest of them in line.
SPEAKER 13 :
That’s right. That’s right.
SPEAKER 17 :
So I’ll leave it at that. Again, folks, you can go to learnitquick.us. Cindy and Rick, both, thank you very much for coming in. It’s been a joy to meet you. And, folks, I’m here to tell you, these are a great learning tool, not just for yourself, but for your family, your kids. You might have loved ones that you want to get, friends, neighbors, whatever the case may be. Honestly, you should have a few of these around the house and just hand them out. By the way, these would make great Christmas gifts.
SPEAKER 13 :
Yeah, sounds good.
SPEAKER 17 :
Not that far away.
SPEAKER 13 :
A nice stocking stuffer. Yes. And I always say, I hope that what these will do will help people become curious. This is just a starting point, great starting point.
SPEAKER 17 :
What’s the appetite?
SPEAKER 13 :
Yeah, what’s the appetite? And then maybe you’ll want to read the Federalist Papers or find out more about our founding fathers or a particular amendment. They’re just a little quick learning tool to help you get on board with it.
SPEAKER 17 :
And, again, doing this because it’s Constitution Day, September the 17th. And, again, Cindy, thank you so much. I appreciate it. Nice meeting you and Rick both. And Roof Savers of Colorado guys coming up next. And if you need help with your roof, look no further than Roof Savers of Colorado. And I’ll tell you right now, Dave is a big one on this, and he’ll probably be one of the guys that buys a set of those cards because they do homeschooling and all of that as well. So, Dave, if you’re listening, I know you could use these as well. 303-710-6916.
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SPEAKER 07 :
The best export we have is common sense. You’re listening to Rush to Reason.
SPEAKER 17 :
All right, well, Scott Garlis joining us here in just one moment. But I had some news that came in from one of you as a listener, text line, that Jimmy Kimmel is all but fired. And so we went ahead and looked. Charlie just did a moment ago. And currently, right now, he has been suspended indefinitely. So you are probably correct. in your statement that at this point he is all but fired. And again, folks, I’ll be straight up honest. I haven’t watched any of the late night shows or folks that are on TV or anything along those lines in quite some time. I’ve never, I’ll say this straight up, never been a Jimmy Kimmel fan. So, frankly, I could care less whether he’s here, gone, or otherwise because he does nothing for me as far as his program itself is concerned. So, honestly, I don’t care one way or the other. In fact, I can’t think of anybody maybe other than Gutfeld that I might actually watch on TV, and I’ll just be frank, I don’t even – I don’t even watch him. So at the end of the day, I don’t watch enough of these late-night guys to know one way or the other. And I’ll be honest, I haven’t even followed this. I have no idea what he even did to get to this point. But thank you, by the way, for letting us know that. Scott Garlis joining us now. Scott, how are you? Hello, Scott.
SPEAKER 06 :
Hey, John. There we go.
SPEAKER 17 :
How are you, sir?
SPEAKER 06 :
I’m well. How are you today?
SPEAKER 17 :
Well, I would have been better if the Fed had done what they should have done.
SPEAKER 06 :
Yes, this is true, but at least they did something.
SPEAKER 17 :
True. I guess something’s better than nothing, although I said this before. I’ve even said this to you. I still think a quarter point is sort of a slap in the face. It’s sort of the, yeah, I know I need to do something, so I’ll go ahead and do this. I really don’t want to, but I’ll go ahead and give you this.
SPEAKER 06 :
Yeah, that’s fair.
SPEAKER 17 :
And I think that’s what happened today. So in light of that, and then I do know that they said, and I want you to expand on this, but they did say that, yeah, this is probably an indicator that there be more rate cuts coming. But what are your thoughts on all of that?
SPEAKER 06 :
Yeah, no, that’s correct. They basically, so they cut interest rates by a quarter point. The target range went from four and a quarter, four and a half percent down to four to four and a quarter percent. I think 30 year mortgages are down to like six percent now. It’s the lowest in three years, maybe. But that’s sort of an anticipation of what the Fed guided for. And what they guided for was at least, well, they got it for another 50 basis points this year and at least 25 basis points next year okay so that’s three quarters of a point basically this year so you don’t think we’ll get a full point probably not but you never know let’s let’s see how things shake out between now and the end of the year it’s possible um but you know what’s what’s interesting to me is so there’s this guidance for just 25 basis points next year right now but you know if you think about it that could all change pretty quickly too, because you have, uh, Jerome Powell’s term is coming up next year. He’s going to finish. May, right? Yes. Yes. And they’re, so they’re, they’re going to put somebody new in to replace him. I would, I would think they’re going to put somebody in there that’s going to be more dovish.
SPEAKER 16 :
Okay.
SPEAKER 06 :
You know, and then you have, uh, Steven Moran who, uh, I believe he’s only there to the end of January. So he either gets rolled over to a new term or, or somebody else comes in. But again, you’ve got to think that person’s going to be very inclined to cut rates. And then if you have Chris Waller winds up taking over Jerome Powell’s job as the head of the Fed, you’re probably going to have to have somebody nominated or put in place to replace Chris Waller. So there’s another person that’s coming in that’s pushing the Fed increasingly dovish. Right now, in terms of just one 25 basis point rate cut next year, I just think that you can’t really put a whole lot of faith in that. The bond market doesn’t. The bond market expects another 75 basis points worth of rate cuts next year. Next year. So at the moment that could change.
SPEAKER 17 :
OK, so and I agree with you, by the way, because, you know, we get to May or let’s face it, even April where, you know, the end is near for Jerome Powell. That gives you, you know, let’s face it, seven to eight months of additional time throughout 2026 that who knows what will happen.
SPEAKER 06 :
Yeah, and that’s a lot, right?
SPEAKER 17 :
Yeah, it is.
SPEAKER 06 :
It is. A lot can change in that time frame. But, yeah, and I would think by that point, too, we’re going to know who the next guy is because Powell’s term expires in May, and there is another policy meeting in June. So I would think the Trump administration is going to want to have somebody in place. And if it’s, let’s say it’s Chris Waller who takes a job, Yeah, they’re going to want to have the replacement guy in place to be ready to go immediately.
SPEAKER 17 :
Good point.
SPEAKER 06 :
Yeah, I think they’re on their game. They’re going to be pretty front and center with us. And let’s say for some reason things work out that Lisa Cook were to be gone. You know, there would be another person, be increasingly delish.
SPEAKER 17 :
Where are things at with her? I’ll be honest, I haven’t been studying much on that end of things with her in regards to some of the accusations and so on that are there. What’s going on with her at this point?
SPEAKER 06 :
Really, not a whole lot’s changed. So far, the courts have said they don’t have much of a basis to kick her out. They don’t see a bunch of wrongdoing. And I know the White House is appealing and trying to press. Again, I think we talked about this a few weeks ago, but It’s a case of, you know, the court of public opinion isn’t going to work in this case. She has to legally be proven that she committed fraud. Otherwise, it’s, you know, you’re innocent until proven guilty.
SPEAKER 17 :
Gotcha. And, again, for those of you listening, that’s one of those things, Scott, with everything else that’s gone on the last week or so, I just haven’t spent a ton of time trying to figure that out. I hate to say this hasn’t been high priority.
SPEAKER 06 :
Yeah, it should. I mean, all things considered, yeah, it definitely shouldn’t be.
SPEAKER 17 :
Yeah, other stuff going on. Okay, so given the rate cut today, the quarter point, which everything I had read, stock market pretty much had already factored that in. Stock market had a decent day today. In fact, we’re at all-time highs, right?
SPEAKER 06 :
Yeah, and we’re going to go higher because basically— People think, or Wall Street thinks, this is going to do a lot of good for the economy. They increasingly see a more dovish Fed. They see the rate cut outlook accelerating and going the way they want it. That’s good for tech stocks because tech stocks as a group are typically viewed by investors, especially institutional investors, as companies that borrow heavily to fund future growth. Now, the ones we think about these days, Microsoft, Apple, NVIDIA, They’re all really cash-rich companies, so they don’t have to borrow a ton. But still, perception can be reality when investing, and that’ll drive that group higher.
SPEAKER 17 :
And really quick, too, just to stop you for a moment, this is something that a lot of folks don’t understand. While a lot of those companies are very cash-rich, and they are, believe it or not, they will still borrow money to go make other R&D and different investments inside of the company because it’s what they do, correct? Correct.
SPEAKER 06 :
This is true, and they would do it for things like payrolls and stuff, too, short-term borrowing. Yeah, and so the lower costs go, the better off that is for them.
SPEAKER 17 :
Correct, correct, yeah. Okay, just to throw this in, gold, which anytime things are volatile, gold goes up. It’s at an all-time high right now. Where do you see it headed? And with some of what you just said in regards to what’s going to happen with potentially the interest rates moving forward, bonds and so on, what does gold do? Do you see a dip in it, or do you see it staying very strong?
SPEAKER 06 :
Yeah, you know, I wouldn’t be surprised if you had some profit taking here in gold just in anticipation of all this. And it’s run, I mean, gold has been super strong. But yeah, especially if I own gold, I wouldn’t be looking to dump it. I would hang on to it. I think if rates are headed 150 basis points or 1.5% lower, that should definitely continue to spur a rally in gold. The biggest thing there is, You know, gold is technically a finite asset, right? And so if it’s a finite asset, there’s only so much of it to go around. And so as more people buy it and hang on to it, it becomes more and more precious.
SPEAKER 17 :
I saw some video the other day, don’t know how true this is, that the gold end of things is so controlled that they keep the supply down. There is a lot more gold out there than what most people realize, but they control the mining of and the production of to keep that price high. Is there any factual reality to that?
SPEAKER 06 :
That one I have no idea, but if I were a gold miner, I would definitely want to control the supply I put on the market.
SPEAKER 17 :
Interesting.
SPEAKER 06 :
No different than the OPEC cartel, right?
SPEAKER 17 :
Oil or anything else. Yeah, no, exactly. Same situation when it comes to oil and so on, which I have not looked, by the way. Speaking of oil, is it up, down? Where are we at with oil, given all of this?
SPEAKER 06 :
I think oil is pretty much sideways.
SPEAKER 17 :
$64 right now.
SPEAKER 06 :
Yeah, you still have OPEC talking about looking at some output capacity rules, and there’s some members that are complaining that They could be producing more, and they want some changes. So that just tells me that more of these countries, they’re not seeing a big pickup in demand, and they get nervous about not being able to make sales, so they want to sell as much as they can.
SPEAKER 17 :
Which, I need to remind everybody, the thing that’s really changed, and you, I’ve talked about this before, but the one thing that’s changed a lot for us as a country versus the world markets is we’re now producing so much oil that the reality is, and I mean this in all sincerity, Scott, OPEC just doesn’t have the same clout that it once did. They’ve got a lot of clout, don’t get me wrong, they’re still making a lot of money, but in regards to controlling the market, they don’t have as much clout as they used to.
SPEAKER 06 :
Yeah, certainly. I believe the U.S. is like the world’s biggest producer. If they’re not, they are right there.
SPEAKER 17 :
We are the biggest producer right now. We are.
SPEAKER 06 :
I think even Russia is number two, and then Saudi Arabia is number three. Now, OPEC as a group is certainly going to be the biggest if you put them all together.
SPEAKER 17 :
Got it. Yeah, I mean, if you take all of those Middle Eastern countries and add them up, I’m guessing it’s going to be higher than us.
SPEAKER 18 :
Yeah.
SPEAKER 17 :
But if you go us against any single country, yeah, I think, in fact, I think, Scott, we are, don’t quote me on this, but I think we’re six, seven million barrels a day higher than anyone else.
SPEAKER 06 :
I don’t know the numbers off the top of my head.
SPEAKER 17 :
Because I think we’re at about 17 a day, roughly, I want to say. Don’t quote me on that. I’d have to look that up to be sure because it varies some. But I think we’re around 17 a day, and I think Saudi Arabia is next closest at, what is it, 10 or 11 a day?
SPEAKER 06 :
That could be highly possible. I’m looking really quickly, and it says… Take your time. We’re good. …USA. This is as of the end of 24. The U.S. is 13.4 million barrels per day. Saudis are 10.8. And Russia’s right at 1080 as well.
SPEAKER 17 :
Okay. So I was pretty close to the 10 or 11. I was off on the U.S. We’re down a little less than what I guess. So what are we producing now, 13 a day?
SPEAKER 1 :
13.4.
SPEAKER 06 :
13.4. So there’s a 30% difference there almost.
SPEAKER 17 :
Well, yeah. I mean, that’s nothing to shake a stick at. And as you know, we’ve got the ability to even do more. And that’s one of those things that just like the gold conversation a moment ago, even our producers have to watch that closely because if you produce too much and drive the price down, well, now you’ve just hurt yourself.
SPEAKER 06 :
Well, if you own a diamond mine, you don’t want to flood the world with diamonds if you own a diamond mine, right? Because then you just crush prices.
SPEAKER 17 :
Mm-hmm. Mm-hmm. No, you are exactly right. And that was another one that was funny. You know how the algorithms work. You watch one video, and then all of a sudden several others pop in. So I watched one on diamonds. diamonds as well and that was kind of the same same deal in that video is you know the diamond guys control the market as well because there’s a lot more diamonds that are actually out there than most people realize but they control the production of us again again as well same same similar video to what I watched about oil and gold yeah and you know the great thing about it is if and even if it’s not true it’s a great story because it sucks you in and you’re just you know and you’re certainly for regular people are
SPEAKER 06 :
God, I hate these people because they’re controlling all this stuff, right? And I love that stuff.
SPEAKER 17 :
Yep, no, I agree. Okay, so given all of what’s happened, give us some recommendations on folks, if they’re out there looking to do some different things, try to keep their money growing and doing things along those lines, what should they be looking at right now, given all of what’s happened today?
SPEAKER 06 :
I love small cap stocks. And the reason I love small cap stocks, we’ve talked about this before, but the Russell 2000 index, over 70% of the income of those companies comes from the United States of America. And so if you think about it this way, if rates are coming down, that means it’s going to cost less for households and businesses to borrow. And if people spend more, domestic companies are going to benefit from that. So iShares has a An ETF, the iShares Russell 2000 ETF, the ticker symbol is IWM, as in Isaac William Mary. Look, if this thing breaks out to new highs around 244, the last three times it’s done this, you average a 48% gain over the next 21 to 24 months. So I think there’s a really good setup here for people to park some money in this ETF and And if they just sit on it and watch it, they’ll wind up doing very well.
SPEAKER 17 :
Okay. Good to know. When it comes to looking through the rest of the year, and this is one thing I was going to ask you, and mortgage rates right now have definitely dropped. I think they anticipated some of what we’re talking about. In light of today, where do you see them headed?
SPEAKER 06 :
Mortgage rates, I’d love to see mortgage rates come back down to like 5%. I wouldn’t be surprised if we got there next year, maybe, maybe you even get like four and three quarters, um, on a 30 year, you know, I think why that would be really important for the housing market. Think about all the people that got the low rates. We’ve talked about this in the past during the COVID pandemic and they locked in at like in between five and three, I think I want to say it’s like 85% of all Americans. If you can get rates back down into that range, People would be more inclined to move versus trading out of a 3% or 4% mortgage and having to go into a 7% mortgage. That jacks your payments way up. So I think you would see the housing market really perk up. And that’s important because the housing market and its ancillary businesses wind up working out to be about 18% of GDP every year. So if you see that industry go, you’re going to see the economy go.
SPEAKER 17 :
I can’t disagree with that at all. Now, I will say that even with just the slight quarter point, I’ve been telling some of my coaching clients this, that even with just that slight quarter point, It does have a positive effect in the way that especially businesses look at things. If they say, okay, there’s a quarter point today. We might see two more quarter points by the end of the year being three quarters of a point. Okay, we can see things starting to loosen up on the side of the Fed. Okay, guess what? We’ll go ahead and start doing some of the things that we’ve been kind of holding off on expansion-wise, buying equipment, whatever the case may be. I do believe, Scott, even though it’s only a quarter point and it really doesn’t affect a lot of things other than what I just said.
SPEAKER 06 :
And that’s it. And the fact that they are endorsing two more rate cuts by the end of the year, to your point, businesses will start to get ahead of that. and then they’ll be less worried about hiring. They’ll spend a little more money, and all of a sudden that starts to trickle out all over the place, and you see the economy start to pick up. It’s not going to happen overnight, but it will happen.
SPEAKER 17 :
That’s right. Okay, one last question, and this one I didn’t send you. I apologize. Trump is really pushing for an end to quarterly earnings reports. He’d like to see them go every six months. What are your thoughts there?
SPEAKER 06 :
I think that’s a bad idea. Okay, because— I think there’s already too much— corporate shenanigans that happen with reporting with quarterly earnings reports. It’ll get way worse if we go to six months. And I think, look, I get it, it’ll drop litigation costs, compliance costs for companies, but I just think that transparency is important. There’s a reason why we got to this point, and I think we need to stick with it. And I don’t think it was because people were trying to over-regulate in this case. I think it’s because There were too many shenanigans going on. I mean, think about if a company’s business can fall apart in three months. If you don’t hear what it’s doing for six months and they think, well, geez, we can just hold off, hold off, hold off. I mean, the situation could become way worse. So I think it’s in the best interest of individual shareholders like you and me, not just big institutions, to have quarterly reports to protect us and protect our investments.
SPEAKER 17 :
Makes total sense. Scott, how do folks find you?
SPEAKER 06 :
Sure. Ben Pine Capital. You can follow me on Twitter. LinkedIn or Substack under C. Scott Garlis.
SPEAKER 17 :
All right. Awesome. Scott, as always, I appreciate you greatly. John, thanks so much. You bet. Have a great night. It’s always a joy to talk to Scott. Golden Eagle Financial coming up next. And again, if you want to have some direct financial advice, we talk to Al at 3 o’clock. Look no further than Golden Eagle Financial. Call Al today. Find him at klzradio.com.
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SPEAKER 07 :
This isn’t rage radio. This is real, relatable radio. Back to Rush to Reason.
SPEAKER 17 :
All right, a couple of you have texted in some things in regards to Jimmy Kimmel, and it’s the next star decision, I guess you could say, when it’s all said and done, because they’re the ones that are actually buying those networks, or buying the network, I guess I should say, all the affiliates that go along with that. And they’ve pushed ABC to actually make this decision. Now, Charlie did a little bit of research through the break there after we were done talking to Scott, and Jimmy was supposed to come out tonight, Jimmy Kimmel, and apologize or restate what he meant with his statement saying that the shooter was a huge Trump MAGA supporter. I’m paraphrasing, but that’s essentially what Jimmy said and what he’s really in hot water over. And again, it’s because they, he, as a liberal, wants to deflect from what really happened in regards to the assassination of Charlie Kirk, like most liberals are trying to do right now. By the way, not giving him a pass, but he’s just doing what liberals do. let’s not take responsibility that it’s one of our own that actually did this. Let’s pass the buck on to somebody else. That’s what liberals do best. And that’s what Jimmy Kimmel was doing, other than it’s not going to turn out well for him. So the question is now going to be, Given the fact that we already saw the, what, Stephen Colbert end of things, and he got some award or something the other night, too, didn’t he? Some token award. And he got an Emmy the other night, some token Emmy for, honestly, Best Late Night Show, which it was a token. Sorry. Yeah, Charlie said he’s never won one before, but this year he suddenly did. Yeah, that’s a token award, I call it. That’s a participation trophy. That’s what Stephen got this year at the Emmys. It’ll be interesting to see what happens in this regard because I think it’s safe to say – Charlie, you correct me if I’m wrong. I don’t know that end of things as well as you do, but Jimmy Kimmel is bigger than Stephen Colbert. Am I right in saying that or no? You don’t think so? Stephen Colbert is bigger than Jimmy? Charlie said just by a little bit. Okay, so I have my facts wrong there. So I guess they’re – Stephen’s a little bit higher than Jimmy Kimmel, but they’re – Yeah, Gutfeld outdoes them all. That I did know. Gutfeld outdoes all of them. So at the end of the day, it’ll be interesting to see what happens here in regards to all of the other lefties that are out there that will be now upset at the fact that Jimmy is probably… I think the texter that sent me that is correct. His days are not numbered. I think they’re now over. I would be very surprised to see him back on air at this point, given the fact that they’re not even letting him on air tonight to even go back in and… rehash, I guess you could say, what he said the other night. So, like I’ve said, I said this yesterday with Andy. Yes, there’s free speech. But not in this case. Because he works for somebody else. And in this case, free speech definitely has consequences when it’s all said and done. Alright, that’s it for today, guys. Thank you so much for listening. We’ve had a great three hours. Appreciate y’all. Dr. Kelly will join me at 3 o’clock tomorrow. Have a great evening. Be safe out there. Rush to Reason. Denver’s Afternoon Rush. KLZ 560.
SPEAKER 1 :
Thank you.
