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The Dan Bongino Show
Episode 169 Summary
Episode Overview
- Title: Does The FBI Have Hillary's Missing Emails?
- Description: The episode discusses new revelations regarding Hillary Clinton's missing emails, a criminal referral for Rep. Eric Swalwell, and highlights John Fetterman as an unexpectedly sane figure in Congress.
Key Topics and Discussions
Revelations About Hillary Clinton's Emails
- Background:
- The episode starts with a breakdown of the FBI's handling of Hillary Clinton's emails during her tenure as Secretary of State.
- Clinton reportedly used eight different BlackBerrys and destroyed devices to evade oversight.
- New Developments:
- Recent legal proceedings involve James Comey, former FBI director, who is currently facing prosecution for misleading Congress.
- Comey's legal team revealed that emails were found on the computer of Anthony Weiner, which included over 600,000 emails related to Huma Abedin, Clinton's aide.
- This raises questions of whether the FBI still possesses these emails and what implications they may have.
- Key Insight:
- Dan Bongino emphasizes that the FBI potentially had access to Clinton's missing emails at some point, which contradicts earlier claims that they were lost or destroyed.
Eric Swalwell's Criminal Referral
- Background:
- Swalwell has been referred for a federal criminal investigation concerning alleged mortgage fraud.
- The referral was issued by a Trump administration official and indicates possible false statements made on loan documents.
- Key Points:
- Swalwell's history, including his previous connection with a Chinese spy, casts a shadow on his integrity.
- His defensive posture suggests he perceives the referral as politically motivated, rather than a reflection of his actions.
Broader Political Context
- Democratic Accountability:
- Bongino highlights a trend of Democrats facing criminal investigations, including:
- Dana Williamson, former chief of staff to Gavin Newsom, charged with extensive fraud.
- Letitia James and others also embroiled in legal troubles.
- Political Implications:
- The political landscape is viewed as increasingly confrontational, with figures like Swalwell threatening retaliation against the Trump administration should Democrats regain power.
Economic and Housing Discussion
- Housing Market Challenges:
- Bongino discusses the rising age of first-time homebuyers and the impact of economic policies on housing affordability.
- He critiques proposals such as a 50-year mortgage, suggesting they may not address the root causes of housing shortages.
- Proposed Solutions:
- Emphasizes the need for increased supply of homes and potential measures to alleviate demand pressures, including immigration policy adjustments.
Key Takeaways
- Clinton's Emails: Recent revelations suggest the FBI may have had access to Hillary Clinton's emails, raising questions about accountability and transparency.
- Swalwell's Legal Troubles: Eric Swalwell faces a criminal referral, adding to the scrutiny on Democrats amid a charged political environment.
- Housing Market Issues: Ongoing discussions about affordability highlight systemic issues in the economy that impact younger generations.
Additional Notes
- Sponsorships: The episode included promotions for various products and organizations, including Beam Organics and First Liberty Institute.
- Engagement: Dan Bongino encourages listener interaction and engagement through platforms like Rumble and local radio.
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For more detailed coverage, listeners are encouraged to catch the full episode of The Dan Bongino Show. ```
Written by AI. May contain mistakes. Listen to the episode to check what was said.
Transcript
Automatic transcript. May contain errors.0:00everybody welcome to vince on a friday it's great to have you with us we got a big show for you today As always, did the FBI track down Hillary Clinton's missing emails? Brand new revelations seem to suggest that at least at one point they had them. We'll talk about that. Also, more Democrats are FO-ing in the FAFO sequence. We've got updates on that, including for the life of one Eric Fang Fang Swalwell. It's all ahead on this edition of Vince. It's great to have you with us on this great week to be an American, as always. Hey, look, I got to tell you some breaking news right off the top. Beam's Cyber Sale is now open.
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2:10Oh, yes. Beam's dream powder. I love them. Thank you, Beam, for being a great sponsor of the program. Hillary Clinton's emails, have they been located or at least were they in the position of the FBI at some point? The reason that we can begin to go down this road of possibilities is that we just got a big disclosure in the legal process yesterday as the United States Department of Justice undertakes its prosecution of James Comey. That's right. The overgrown former FBI director, James Comey, his prosecution for his lies to Congress. He's fighting it out in court right now. He's kind of he's trying to get the U.S.
2:53attorney in the case, Lindsey Halligan, disqualified entirely. He's trying to get the case dropped. He says it's malicious prosecution. He doesn't deserve this. But we've got some fascinating developments in this case that I think are worth exploring. This goes back sometime. I got to take you in the way back machine here to September of 2016. and 16. That's where we go first. And that's where we find out that Hillary Clinton used eight different blackberries, eight different blackberries when she was secretary of state and concealing what she was up to while she was in office. And well, the FBI at the time said, we can't get a hold of them.
3:34We just don't have them. We don't have them. Hillary Clinton, according to Bloomberg at the time, used at least eight different mobile devices to send private email during her tenure as secretary of state, none of which were recovered by the FBI as a part of its investigation into her communications. The FBI, in a heavily redacted report of its probe released on Friday, said that Clinton had flouted security standards for official communications. So they referenced the devices, and you will remember as much of this, and I chuckle as I read some of this, and also I continue to be appalled by it.
4:10They say in addition to the eight devices that she used as secretary of state, eight devices. The FBI said they sought at least five additional mobile devices as part of their inquiry. Clinton's lawyer said they couldn't provide any of the mobile devices that she used. One person interviewed by the FBI said he recalled two instances in which Clinton's devices were destroyed by breaking them in half or hitting them with a hammer, hitting them with a hammer. So remember, these are the devices that many of these emails were located on. Hillary Clinton was so desperate to make sure the public never got access to them.
4:44They destroyed phones with a hammer. They were a ball peen hammer, sledgehammer. I don't know. It was all sorts of hammers being used. Stop the hammering. They're hammering all of the phones to try and destroy them to prevent the public from ever seeing what was on them. Just in case you were wondering what kind of public servant Hillary Clinton was, she wasn't really interested in serving the public. So that was the reporting. That was back in September of 2016, back in the Wayback Machine. And then there was October of 2016, October 28th of 2016, a big dramatic moment. James Comey had already come out and declared that, well, there's no reason to prosecute Hillary Clinton.
5:25But in the final days leading up to the election, Comey released a letter to Congress saying, hold up a second, we may have found some other emails pertinent to our investigation connected to Hillary Clinton in an unrelated case. This is what it said at the time. This was the report. He writes to Congress, Comey does, and he says, in connection with an unrelated case, the FBI has learned of the existence of emails that appear to be pertinent to the investigation. I'm writing to inform you that the investigative team briefed me on this yesterday, and I agree the FBI should take appropriate investigative steps designed to allow investigators to review these emails to determine whether they contain classified information, as well as to assess their importance to our investigation.
6:13Okay, so that was Comey. Now, Comey, in the end, they said, all clear, Hillary's good, But Hillary, of course, lost the election, which was wonderful. Now, that brings us to yesterday. Interesting. James Comey, Hillary Clinton emails. What is going on right now? Well, we get this update. This comes to us from the courthouse. And take a look at this. This is for those of you watching on the video chat here. We get this update, and it's an email between Daniel Richman and James Comey. writing as his pseudonym Reinhold Niebuhr. Now, of course, the reason he's writing under a pseudonym is he's trying to avoid public disclosure.
6:57And here's what Dan Richman said. This is the same date. This goes back to October 28th of 2016, the same day that Comey notifies Congress. Richman writes that he and another guy are spending a lot of time saying that your letter means exactly and only what it says because you know speak english is what richmond says so basically the media keeps asking for more details about comey's letter to congress and and richmond who's comey's obviously comey's secret like bag man the guy who's handling all of his comms uh the one he's directing to handle his comms that's the subject of the prosecution comey's going through right now he's talking to the media and he's saying nothing more to read into this whatever it says is exactly what Comey meant.
7:45But here's what Comey responds to Richmond. He says, you're both right. And he nailed the position I found myself in. The team comes to me yesterday and says there are over 600 ,000 emails on Weiser's computer. Weiser's computer. Now, this is an intentional misspelling here. Just to emphasize something here. This Weiser that Comey writes down, what he means is Weiner, as in Anthony Weiner, as in Huma Abedin's ex-husband, Huma Abedin being Hillary Clinton's longtime assistant, longtime body woman. He says there were 600 ,000 emails on Weiser's computer, and they included 10 years of Huma Abedin's emails.
8:37He misspells Abedin here. He gives it an extra D. There's a pattern here. He's intentionally misspelling these names, including emails with Hillary Rodham Clinton, HRC, he refers to her as. And that metadata shows are from the missing BlackBerry domain used for the first months of Secretary Clinton's, C-L-I-N-I-N, Clinton's tenure at state. appears Huma didn't know all of her stuff was backing up to his computer. What am I going to do? I got to authorize the work and correct the record with Congress. Imagine what I would have done to my institution if I didn't do both of those things. Not a hard call, though I hate having to do it.
9:18All right, so that's Comey, who's being very deceptive here. He's notice all of the misspellings. Ladies and gentlemen, as you probably can gather, this is not a mistake that Comey did this. Comey did this on purpose to avoid public detection. You see, under FOIA laws, the way that they work, under the FOIA laws, you have to request specific wording. You're looking for documents that contain references too, and then you will include a series of names. You'll put Huma Abedin, or you'll put Anthony Weiner, or you'll put Hillary Clinton. And what happened here is Comey intentionally using a pseudonym email address that nobody knew about at the time and misspelling all of the names.
10:00He has figured out a way using misspellings to try and avoid public detection for these sensitive conversations to avoid the law. Now, as far as I can tell, what that represents is an effort to subvert the law. That should be flatly criminal, I would think. If you are intentionally misspelling words to avoid public records laws, why wouldn't that be considered a crime? And to be clear, James Comey is not the only one who does this. This is done as has been done at scale in the United States government, especially under administrations like Joe Biden. The Biden administration did this like crazy where they would intentionally misspell things.
10:38The Obama administration was intentionally using pseudonyms at a rampant level, including by the president himself, to try to avoid public disclosure. This is a pattern of deceit, especially in the institutions of the left, visible inside of James Comey's email. But here's the biggest thing of all in this, in addition to his attempt to hide this. One of the reasons that you can imagine he's trying to hide it is because of what it references. it references that they found the missing emails the fbi was in possession of the quote missing end quote emails over 600 000 on what comey referred to as weiser's computer that would be anthony weiner's computer so all these years of like where are the missing emails where are the missing emails well sure looks like that at one point at least the fbi had them and the question for us today is, does the FBI still have them?
11:36Hillary Clinton attempted to destroy all of this. There's a reason for that. Hillary Clinton was desperate, clearly, to prevent the public from knowing what she was actually up to. Never for a moment did I believe, or you believe for that matter, that these had to do with recipes and yoga. Hillary doing yoga. Can you imagine? That should be a war crime, even putting that idea in our head. But this is about her behavior as Secretary of State. And quite clearly, just like in the Biden family, the extent to which the Clinton family was selling access to the United States government, trying to use a homebrew server offsite email accounts and destroyed devices in order to prevent you from being aware of what she was up to.
12:19So the question today remains, does the FBI still have access to all of these emails. Makes you wonder, but it certainly suggests very heavily that at one point they were in the FBI's custody. Kind of amazing. So the update today is that we may have discovered the Hillary Clinton emails more as we get it, but James Comey going through a legal process right now. The reason we know about this letter is because Lindsey Halligan, the U.S. attorney, revealed this piece of information to the court yesterday. And as Mike Davis pointed out on X, well, Lindsay Halligan is bringing the receipts. Lindsay Halligan shows more receipts.
13:05That's Mike Davis pointing out that very important thing. And good to see it. We love receipts. We love receipts, don't we, folks? We love receipts. We love to get them. So thank you for that. There is on the Lindsay Halligan front, she is wonderful. But the president needs a lot more backup with these U.S. attorneys. She is fighting right now to just stay alive in this process. The left is trying to get this poor woman out of this job. The judge yesterday in this case against James Comey, political reports appeared skeptical of Lindsay Halligan's appointment as U.S. attorney. And the federal judge, this is an Obama judge, or a Clinton judge, rather.
13:49This is a Clinton judge. A federal judge expressed deep skepticism Thursday about whether the federal prosecutor handpicked by President Trump to bring these criminal cases against, Politico says, against his political rivals, was legally appointed to the role. It's unclear whether this U.S. District Judge Cameron Curry's open doubts about the appointment of Lindsay Halligan will sink the cases against former FBI Director James Comey and New York Attorney General Letitia James. But the Clinton appointed judge's ruling, which she said would come before Thanksgiving, could derail both. and so there is um what they're what they're saying is that not only do they think that she may be disqualified but there's the left right now is trying to heavily imply that there's no other attorney who could be possible to step into this if for whatever reason lindsey halligan is disqualified by the judge so we've got a very real fight going on right now in the eastern District of Virginia.
14:49Lindsay Halligan has been absolutely wonderful in that role. But at the moment, the forces of the left are definitely conspiring to try and figure out a way to disqualify her to get these cases dropped and to liberate James Comey and Letitia James from consequences for breaking the law. And, you know, in a just system, we wouldn't do that. We'd see the prosecutions through. So in case you're wondering what is happening in those cases, The left is fighting like crazy right now to get them thrown out. There are Democrats that are definitely still going through it. Here's a couple of updates for you this week in terms of criminal consequences for Democrats.
15:31This is fun. I break what was breaking on Wednesday night. A former Gavin Newsom chief of staff has just been charged by the feds, by the Trump administration, 225. for sorry he's been charged for$225 ,000 in fraud$225 ,000 in fraud and corruption according to the United States Department of Justice now this is a this is a fun story for a bunch of reasons but here you have basically Gavin Newsom's former chief of staff a guy called Dana Williamson 53 years old was just charged in a 23 count federal indictment it's not a it's not a man I'm sorry, it's a woman. Dana Williamson's a woman charged 23 count federal indictment with conspiracy to commit bank and wire fraud this week.
16:22So yet another Democrat getting slapped with prosecution here. The U.S. attorney saying that this is a crucial step in a in an ongoing political corruption investigation that began more than three years ago. In other words, while Biden was still in office, it is always as it always has. the U.S. Attorney's Office will continue to work tirelessly with our law enforcement partners to protect the people of California from political corruption. They say that a fellow called Sean McCluskey was the co-conspirator who received the funds. He was the chief of staff at the time for somebody listed as public official one.
16:59Who is public official one? I'm glad you asked. that was Biden's former Health and Human Service Secretary, Xavier Becerra, Javier Baccaria, as Joe Biden once said, I think. Becerra previously served as California Attorney General, and then he was appointed to that health position by Joe Biden. In other words, what the prosecutors are saying is that these two, led by Gavin Newsom's former chief of staff, were raiding the dormant campaign funds of Becerra in order to take all of the money out of the campaign to enrich themselves. And now, well, you know, they F-A'd and now they're F-O 'ing. So the Trump administration has caught up with them and has leveled charges against these guys, which is wonderful and well-deserved.
17:56The allegations are that this Williamson was raiding that account and committed tax fraud in order to buy a Chanel bag and private jet trips and all sorts of craziness, as well as a one hundred and seventy thousand dollar birthday trip to Mexico. Co. So that's that's how she apparently used the funds and and and called them business expenses in order to try and, you know, avoid taxes. Yeah, that's that's crazy. And if all of that is true, then you deserve whatever time behind bars is coming. So that's that's wonderful news. I also have an update for you on another Democrat, much more well known, who just received what a criminal referral eric swalwell that's right eric swalwell just got slapped with a crim ref that's what we call it here a crim ref for eric swalwell will tell you how fang fang's ex-boyfriend now has a world of legal problems of his own all ahead on this edition of vince but first i gotta uh share something really important with you the first liberty institute it's an amazing place an amazing sponsor of this program.
19:12And throughout history, what is one of the first freedoms that tyrants seek to silence? Go ahead. What's one of the first? Religious liberty. Always, actually. Why? Because when your rights come from God and not government, they can't actually be taken away. It's not possible. That's why First Liberty Institute is proud to offer a free guide titled America's First Freedom, the antidote to tyranny. In this free guide, uncover how our first freedom is being threatened. Explore why religious liberty is the foundation of every other right and discover what steps you can take to stand up for faith and for freedom.
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20:33All right. Eric Swalwell is, well, it's his turn, which is kind of fun. Yesterday, we get brand new information about Eric Swalwell being slapped with one of these criminal referrals. NBC, the first to break the news, and they're very sad about it. They don't like this at all. A Trump official has referred Eric Swalwell for a federal criminal probe over alleged mortgage. fraud so funny how many of these guys commit mortgage fraud like chat have you committed mortgage fraud in your life by the way if you have you probably shouldn't disclose that publicly like at any point have you committed mortgage how is it that all these guys keep committing mortgage fraud it's crazy and it's like the easiest possible thing to catch if you have access to the paperwork you don't leave in this location or you call something your principal residence that it's not.
21:29Dude, you're breaking the law. Not that I wish I could, people said. Never, no, the chat is not committing mortgage fraud. Thank you, chat. Thank you for being good law-abiding citizens. Dateline Washington from NBC. A top housing official in President Trump's administration has referred California Democrat Eric Swalwell to the Justice Department for a potential federal criminal probe based on allegations of mortgage and tax fraud related to a Washington, D.C. home. He's now the fourth Democrat to face mortgage fraud allegations in recent months, or at least the fourth prominent Democrat to face these allegations.
22:09What are the other ones? Well, we've got Letitia James. We've got Adam Schiff. And if you can remember the last one, you get extra points. This one's a lesser known name, but this was a big story. All right, chat, I'm challenging you, chat. Remember, who's the fourth one here? and we got swall well we have letitia james we have adam schiff who's the fourth one does anyone know it's lisa cook exactly right it's lisa cook the federal reserve governor lisa cook nicely done holy excellent work shelly beans um this is uh yeah applause applause for shelly in the chat would you some w's in the chat or something uh yeah no that's that's exactly right lisa cook is the fourth one uh here and they're all getting hit with um these criminal referrals and we've got prosecutions as a result of this, which is a lot of fun and we need more.
22:59We could definitely use more, more, more, more. That's what we want, isn't it? And so now we get Eric Swalwell in this, the fourth Democrat to face this. Bill Pulte, the director of the Federal Housing Finance Agency, alleged in a letter sent to Attorney General Pam Bondi on Wednesday that Swalwell may have made false or misleading statements in loan documents. The matter has been referred to the agency's acting inspector general uh swalwell releasing uh bitchy little statements about all of this uh and uh they go down the list here i don't even know if nbc really discloses what swalwell is accused of doing which uh which might be helpful if uh if they could give us this but what swalwell is accused of doing is claiming his washington dc residence as a uh which is$1.2 million as his primary residence.
23:57Really? I thought you were from California. Here's a cut to the news breaking yesterday that Eric Swalwell just caught a criminal referral. Watch. Eric Swalwell, the Democratic California congressman, has indeed been referred to the Justice Department by Bill Pulte, who is the head of Fannie Mae and Freddie Mac right now, because he is accused of making false or misleading statements on a mortgage application. We believe that this pertains to a$1.2 million house that Swalwell has in the Washington, D.C. area. Swalwell has already responded. Part of his very long statement says, as the most vocal critic of Donald Trump over the last decade and as the only person who still has a surviving lawsuit against him, the only thing I am surprised about is that it took him this long to come after me.
24:48Like James Comey and John Bolton, Adam Schiff and Lisa Cook, Letitia James and the dozens more to come, I refuse to live in fear in what was once the freest country in the world. Now, Swalwell has not been charged with anything. This is a criminal referral. Basically, a government agency thinks that they spotted something that is possibly illegal on mortgage documents from Swalwell. The Justice Department will now review these documents to see if a prosecutor believes that charges are worthy in this case and then we would go from there in the judicial process it's amazing that this dope is still a member of congress you know he's like leaking uh classified information to a chinese spy who he's sleeping with and he's like how is he on the intel community committee at all uh and and then he like he's defrauding lenders about primary residences he's violating the law about where you're supposed to live if You're going to be a member of Congress.
25:46The whole thing is really crazy. And just remember, you know, for our Fang Fang flashback, remember, it was January 2023. Now, a little over two years ago that former House Speaker Kevin McCarthy actually kicked Swalwell off the House Intelligence Committee because in 2021, there were reports that that Swalwell was. Well, he was stupid Fang Fang. That was, I guess, the easiest way to say it. Fang Fang, who is also known as Christine Fang, was a Chi-Com honey trap. She comes into the United States in 2011 as a college student. She spends four years trying to get close, very close, to various state and federal lawmakers in an effort to try and obtain sensitive government intelligence.
26:37And she she finds the biggest sucker of them all, Eric Swalwell, who somehow still is in Congress and now has received a criminal referral for defrauding lenders and for, you know, not being honest, which is typical. Very, very, very, very typical stuff. Swalwell did release a silly statement about all of this, as you just heard Peter Doocy describe. It's a very long and silly statement. He quotes Mark Twain in it. Somebody had to tell him who Mark Twain is in order for him to release this. He ends the statement with, as Mark Twain said, patriotism is supporting your country all the time and your government when it deserves it.
27:28Thank you, Swalwell. Thank you. um he uh he also says he stands in solidarity with james comey john bolton adam schiff lisa cook and letitia james uh that's quite the crew to stand in solidarity with uh good luck with that uh that's uh because all of those people uh they sure look like criminals to me so uh you're you're with a good group you're with the right group for sure there's uh there's eric swalwell swalwell also released um did an interview uh last night where he was threatening to retaliate against the Trump administration if Democrats retake the majority. Listen to. So now he's been hit with a criminal referral.
28:07So listen to Swalwell begin to threaten Trump. Here he is. This is really about Donald Trump going after his political enemies. And no one has been a more vocal critic than me. But this is why being in the majority also matters, because these guys think that they can do this because there's they're invincible and there are no consequences. And a year from now, we are going to win the majority. And that's what we learned last Tuesday when California voters stood up against Donald Trump. And when we're in the majority, we will have subpoena power and accountability will happen. So Bill Pulte and any other lawless official who is carrying out these political prosecutions on behalf of Donald Trump, they should familiarize themselves with the Judiciary Committee room because they're going to be spending a lot of time there answering questions.
28:54And I sure hope everything they did was above board. Is that is that normal? Is that is that allowed? So, like, if you get slapped with charges or if there's a criminal referral directed at you, you can just threaten everybody as in an effort to trying to get it to go away. Is that is that typical? Is that allowed? I mean, heck, President Trump tried to speak out in his own defense as Democrats were throwing ludicrous prosecutions at him during the last campaign. And you remember what happened to President Trump? A judge ordered him not to talk about the indictments. He was slapped with a gag order.
29:30He couldn't even exercise his First Amendment right to defend himself in public. Huh. but Swalwell gets to threaten Trump on television? Are we going to subpoena you? Are we going to make your life a living hell because of what you're doing here, this criminal referral? A criminal referral, by the way, is very simply, anybody can make one. Bill Paltty just made it. It's really straightforward. If you detect what you think is evidence of a crime, you say, you know what? This sure looks like evidence of a crime. You send it to the United States Department of Justice and you encourage them to undertake an investigation in order to establish whether or not a crime has actually been committed.
30:09It's an invitation to investigate. That's what a criminal referral is. Bill Palti made one. Is that tyrannical? No, it's due process. And now the Justice Department will have to render a judgment if they want to bring charges. They will. And Eric Swalwell needs to be, as everyone does, presumed innocent within the court of law. You can presume he's guilty, but the court has to presume he's innocent. The jury does until he's proven guilty. That's how our system works. Nothing tyrannical about that, actually. That's just you enduring the consequences of your own actions. More in a moment. We've got a lot to get to.
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33:31And with the holidays coming up, you know, sleep is going to be more important than ever. So you'll be hosting family, shopping for everybody else. Don't forget to gift yourself a better night's rest. It's great. Allison and I love our Helix mattress. Producer Guy loves his Helix mattress. I'm telling you, you're going to love yours too. It's a total life changer. Helix ships free in the United States. It comes with a 120-night sleep trial and a lifetime warranty. So that's easy. No stress, just great sleep. And now Helix has an exclusive offer for you. It's 27 % off site-wide. 27 % off. Go to helixsleep.com slash Vince.
34:14Get 27 % off site-wide. That's helixsleep.com slash Vince. Make sure you enter Vince into that post-purchase survey so they know that this guy sent you. helixsleep.com slash vince thanks you thank you thank you thank you helix great mattress great sponsor uh wonderful wonderful human beings okay let's see what we got here yeah no look home prices are really out of control uh not just home prices but mortgage rates are out of control it's very difficult for people to afford the american dream very very difficult in fact um It wasn't that long ago in the 1990s where first time homebuyers, the average age was about 27, 28 years old.
34:58The first time homebuyer. That was at the turn of the century. It's not like that anymore. Now the average age of a first time homebuyer has risen to the age of 40. So about 12 years higher. What happened? Well, the availability of housing has tightened up to dramatic levels. The cost of buying a house has definitely skyrocketed. Interest rates, thanks to the Biden administration's disastrous federal spending, have gone way up from their lows. And the American dream, especially for the youngest generations, feels more and more out of reach. And so as a result, you know, as we talk about what it means to be America first, what it means about to be actually attentive to the needs of the voters, You can't miss out on this conversation.
35:47You've got to be front and center for it. Earlier this week, while I was gone, I noticed that the aforementioned Bill Palti with the Trump administration, as well as the president of the United States, they had been kicking around an idea for something called a 50-year mortgage. In other words, like typically these days, people often get 30-year mortgages. But President Trump, for a moment, seemed to be flirting with a 50-year mortgage earlier this week. Now, it may sound good to just offer something else as a vehicle to try and secure a home. But a 50-year mortgage, if you really think about what that means, well, it would mean certainly higher interest rate loans.
36:29Every time you extend the term, you actually get a higher interest rate, which means over the life of the loan, you're going to pay a lot more in interest on the property. To the extent that it creates more competition for housing, it's not really going to lower the cost of houses in the United States. And if somebody gets hit with a 50-year mortgage, it does mean for a lot of people that they're going to be stuck with debt for the rest of their life. 50 years you get a home at 30 or 40 if you're a first-time home buyer that means you'll be paying that mortgage until you're 90 yeah that's that's crazy it's totally untenable so i get that they they definitely have their hearts in the right place in terms of like how do we try and make the ability to own a home more accessible but i don't think that this plan's a great one not the 50-year mortgage at least.
37:21Don't think that works out too well. In fact, you'll basically, you know, it's hard for me to imagine you ever coming out ahead on the equity in the thing. You'll be basically just breaking even at best for the duration of the loan. So one thing, one note of encouragement on this, it looks like the White House is kind of backing off on this this week, that they floated it out as a trial balloon. It got a cold reception on the right, and the White House is like, okay, well, they kind of gingerly walked away from this idea of a 50-year mortgage. We'll see if it survives, but right now it looks like that's on the chopping block.
37:54Another thing that Bill Palti suggested this week is mortgage portability. Have you heard about this mortgage portability? Basically what it means is if you've got a great mortgage rate right now, let's say you've got 3%, wouldn't it be nice if you could take that mortgage rate and then apply it to a new house? A lot of people are sitting on good mortgages right now, good mortgage rates, but they're also kind of tied to the home that they're in. They feel like they can't move for fear that they get stuck with a much bigger mortgage rate, which means a much bigger monthly payment and a lot more interest being paid.
38:28And so Bill Palti suggested this week that the administration's working on something called mortgage portability, where you can take that 3 % rate. You can buy another house and you can keep your 3 % rate. The bank just changes which home is the collateral in your loan. That sounds like kind of an amazing thing. so people can be liberated from the golden handcuffs that's what they call them of being stuck inside of a house that you're only there because you want to keep your great mortgage well now you can move so that's a that's a that's kind of a neat idea it could lead to more churn in the market a lot more homes becoming available people get people getting out of say their starter homes where they had a great rate moving up as they're more as they're doing better in life able to keep their great rate it could be very good news for the american economy so i'm going to keep my eyes open to that one.
39:13I like that. But the truth is, these ideas, in the end, the way that mortgages are structured and how you can secure them and whether they're portable, in the end, you're really only kind of tinkering with the problem. The problem is a basic one in economics. And the basic problem we have in economics is supply and demand. We have a lot of demand and too little supply for these homes. Now, what can we do about the demand? What can we do? Well, there's two things you can do. I mean, one, you can build more homes for sure. That's the supply side. But on the demand side, if you want to decrease demand, well, theoretically, you could decrease the number of people who are in the country competing for these homes.
39:59Now, how would you do that? The answer to that is deport people. Deport people. As you know, we have tens of millions of illegal aliens in the country right now. Why? Why are we doing that? If you are here illegally, you have to go home. The good news is that the Trump administration has induced the deportations of nearly 3 million people so far. 2 million of those have been self-deportations. 800 ,000 of those have been forcibly taken out of the country. 2.8 million people so far. It's a start. And inside the Trump administration, as well as inside of this audience and certainly inside of this brain, we all want more.
40:45Tom Homan wants more. Stephen Miller wants more. The people who work for President Trump and certainly President Trump himself want more. The end result will be less illegal demand for the very competitive of housing that Americans are looking to afford. That's a huge deal. Let me let me bring you J.D. Vance. J.D. Vance, just in an interview on this subject, he was talking about housing and he said, we've got to deport people. Take a look at J.D. A lot of young people are saying housing is way too expensive. Why is that? Because we flooded the country with 30 million illegal immigrants who are taking houses that all by right go to American citizens.
41:31And at the same time, we weren't building enough new houses to begin with, even for the population that we had. So what we're doing is trying to make it easier to build houses, trying to make it easier to build factories and things like that so that people have good jobs. We're also getting all of those illegal aliens out of our country, and you're already seeing it start to pay some dividends. That's great. That's great news. So he's got his eye on the ball. Deport illegals and make it easier to build houses. Get the government out of the way. The government imposes so many regulations and impositions and disruptions on being able to build houses in the United States.
42:14And with all that government regulation comes added costs for those homes. it's a disaster and so can we do something yeah there's a lot we can do to try and increase the availability of houses and access to that american dream of home ownership in fact um my my great in-house economist the wonderful ej antoni was uh just talking about this this week with will kane over on the fox news channel uh we we lent ej out to will kane uh to talk about this Here's what E.J. had to say on the subject. He was asked about housing affordability, what it's going to take. Here's E.J. on the subject. Watch. Joining me here in Dallas is the chief economist at the Heritage Foundation, E.J.
42:59and Tony. E.J., it's great to see you. Will, thank you for having me. Why? Why have homes become so expensive? Well, I think the vice president really hits the nail on the head. This is a fundamental mismatch between supply and demand. The demand is obviously artificially high by tens of millions, as he points out, because of illegal aliens in this country who shouldn't even be here, right? And at the same time, on the supply side, you have seen overregulation, you have seen excessive costs imposed by government, and so that has reduced the supply. This is Econ 101, right? We decrease supply and we increase demand.
43:31You will get an increase in price, full stop. Now, you throw on top of that the monetary mismanagement by the Federal Reserve that has caused these violent changes in interest rates, And that's just been gasoline on the fire. And I think if we look at, for example, the financial habits of Gen Z and we compare that to millennials, Gen Z is actually much more conservative financially speaking. And yet the affordability for them is terrible when it comes to something like buying a home. So while you might find individuals in literally every generation who are not financially very responsible, right?
44:08I don't think we can paint a broad brush with Gen Z and say that somehow it's their fault. I think this is a systematic failure. What do you mean? So that's right. Exactly. So in other words, don't look at Gen Z. Don't look at the youngest generations and go, oh, they're all useless, lazy layabouts. Be more responsible. Save up your money. Well, that's all well and good. And those are very good lessons that you should impart upon your children because self-reliance is integral. But the economic environment in which that they're growing up is dramatically different than the one in which you and I grew up, regardless of our generation.
44:41Things have changed very dramatically, very quickly. So it's okay to say that both American citizens should have high degrees of self-reliance. That's kind of what made our country great in the first place. And that we attack the systemic violations that have hurt our country. Importing tens of millions of illegal aliens has done tremendous damage to the country in a million different ways. Certainly culturally, that's true. The lack of assimilation has been an utter disaster. The rigging of our electoral process, the rigging of congressional seats, the rigging of the electoral college, those are all disasters.
45:21But also the competition for scarce resources has also been a disaster, and that includes with housing. So it's not either or, it's both. Both things are important. Both self-reliance, which I'm telling you what, the youngest generation does have a lot of. There's been a lot of crapping on the kids, but the reality is that a lot of these, especially these young men who are coming up, are very conservative, a lot of them. They are rejecting the lies that the left has been telling. And they're looking for a political party who's going to stand up for them to fight for this country and to fight to create a better future for them to embrace.
46:05They want to embrace it and we should help them. That's really important. So EJ is right about that. Say that again, Justin. Justin concurs. Justin, how old are you? How old are you, Justin? Justin's 23 years old. He says he concurs and he didn't add the word entirely, but I'm going to say entirely on his behalf. He entirely concurs as the in-house Gen Z-er. It's it's important. There's a lot of yeah, there's a lot of like reductive thoughts about it's always true throughout history. You always look at the youngest generation or like they don't know what it's like. I've never experienced what I went through and all these things.
46:44And I get it. People do that. You have the benefit of hindsight. You'd think how hard things were for you and how you came up and what you were able to endure. But the reality is like these young people, they're being dealt a really crappy hand by a country and a government that in many ways has sold them out and stuck them with a$38 trillion debt bill. How's that? You enter the job market and your country is already$38 trillion in debt? What does that mean for you? It means prices go up on everything, including housing. So is there something that can be done? Yeah, there's a lot that can be done.
47:20And a political party that dedicates itself to fixing this problem will win every single election for the rest of our lives so long as those elections are free and fair. Capisce? It's straightforward. That's all it takes. This is why there are so many debates about to what extent we're dealing with like foreign issues, dealing with things overseas, taking our eye off the ball, not being concentrated on the needs of Americans. That's why those debates are raging. Because here in the United States, we still have massive things to address. President Trump, to his credit, is trying to. President Trump has secured the borders.
48:00It's been amazing. I really love that. They're airtight right now. President Trump is deporting people with an appetite to deport a lot more. We've seen some meaningful price decreases on things like groceries, eggs, gas. That's true. But it's also not enough yet. Clearly, we're young in the administration. It's just within the first year. But if the Trump administration can slam its foot on the accelerator of going after those issues, the midterms are going to be a cakewalk, a total cakewalk. It's going to be wonderful. and then we'll be able to move on to whatever comes next in terms of the president jd vance could actually be the guy he seems the most likely right now anything can change over the course of the next three years but if jd vance keeps talking like that and he stays focused on that guaranteed it's a guarantee so let's let's stay focused on that i really want to um You know, speaking of a couple of things, while I'm on the subject of what of what the future holds and where we should be as a party, I'm reminded this week of an important tweet from the late great.
49:10I can't even believe I'm saying that still. Charlie Kirk. Here's what Charlie said. You ready? Chat, you tell me if you agree with this. Tell me. Charlie Kirk said the following about the social compact that's breaking down and the urgency we need to resolve it. This is August of this year, so it's not that long ago. This is not that long ago. This is weeks before he was assassinated. He said, this is the social compact breaking down. We need urgency to restore it. He said, we need mass deportations, one. Clearly right. Two, we need to stop the H-1B scam, the H-1B scam. He's right about that. You know, President Trump this week, he did an interview with Laura Ingram where he was flirting with the H-1B stuff, saying, oh, we need H-1Bs and we don't have the talent in the country that we need, so we need to import people.
50:04I need to emphasize something about this. The H-1B program is a scam. It is a complete scam where you have companies who are essentially hiring indentured servants from overseas, paying them below the market rate that they would pay for American workers, which, of course, is why they're doing it. and then that person is bound to the company they have no we were talking about portability earlier they have no portability in the united states they can't compete in the open job market in the united states now you may instinctively think well that's a good thing they shouldn't be able to compete in the open job market at all true but if they were able to that means that the companies who bring them in would have to pay them the prevailing market rate because they'd be in competition with every other company who wants to hire them once they get to the united states The H-1B system, the way it's set up, it's affixed to the employer.
50:59So the employer brings the person in from somewhere, usually India, sometimes China. 80 % come from India, 10 % come from China. Brings them into the country, and then that person is bound to that company. They can't go anywhere else. Can't happen. They've got to be with that company. So the company underpays them. Now, that's not an issue that you would normally have, because if you're an American citizen, you get a job. One of the reasons they pay you at the level that they do is based on whether or not you are likely to go somewhere else and get better pay. Right. It's a competitive job market.
51:31With the H-1B program, total scam. They lock these guys in place. They pay them very low wages. And that's off. It's always done at the expense of American workers. Now, the defenses of the H-1B program are things like, oh, they have extraordinary skills that we don't have in the United States. That's almost entirely nonsense, actually. There are different visa programs for extraordinary individuals, the Albert Einsteins of the world. Those are O-1 visas. Those are designed specifically to try and bring in extraordinary international talent that we don't have in the United States or that would be really great to add to the talent pool here.
52:09That's a separate thing. Those H-1Bs, the lion's share of H-1B visas are handed out to entry-level workers, oftentimes in the tech sector. So stopping that scam, that's huge. Charlie's right about that. And so even if the president does believe, as he kind of indicated this week to Laura Ingram, that the United States doesn't currently have the talent that we're bringing in with H-1Bs, even if he does believe that, and perhaps he's got some sort of data the rest of us don't have to support a claim like that, he should still say that his goal is to phase out that program. That we don't have it yet, but we are going to get rid of H-1B.
52:50We're only using it as long as we need it. If he's going to take up a defense of this at all, he should at the very least offer a phase out as an explanation for what they're up to, because this just can't be sustained. It's ridiculous. And yet we haven't 700000 people in the country under those circumstances, at least according to the official government numbers right now. So Charlie said stop the H1B scam, mass deportations. Three, dramatically reduce legal immigration to the United States. Right now in the United States, we have one million legal immigrants into the country every year. A million.
53:25Do you know how many babies we abort every year? A million. Think about that. I think about that a lot. We kill a million Americans every year and then import a million foreigners every year. Well, that's suicidal. And actually, it's homicidal, too. It's destructive to a country to do something like that. Should we have any legal immigration? Well, sure, we should. We should have legal immigration that makes sense, improves the quality of this country, and is focused on to what extent do we benefit. That's how our legal immigration is supposed to operate, by the way, is does it benefit the United States of America to bring this person in?
54:11What kind of financial means are they coming with? What kind of talents are they coming with? Is it good for our country? That's a core question to a sensible legal immigration system. It is not the way our system is set up right now. And that brings us to his fourth point. End chain migration. End the visa lottery. End chain migration. Chain migration is basically when one family member gets their foot on American soil and then can bring every other family member from across the planet into our country. It's not a merit based system. It's just a sort of, you know, you know, freebies for all. Once you get one family member into the into the country, that's not a sensible immigration system.
54:54It doesn't focus on what's good for America. He says, and the visa lottery as well. And then number five, Charlie was on this. Charlie's been all over this because Charlie would speak to these young men on these college campuses all across our country. And what was he hearing? He was hearing about having access to the American dream. So Charlie says point five is build 10 million homes for Americans. Build. We need to build. So that's the supply side. That's how we increase the American dream from the supply side. On the demand side, that's number one, mass deportations. Sounds pretty good to me.
55:38What do you think, Chad? And then finally, number six, crush the college cartel. Crush it. Now, that's worthwhile for a million reasons, but I'll just lay out the obvious ones up top. College is dramatically unaffordable. It's become ridiculously unaffordable. It's been outpacing inflation every single year at ludicrous levels. Let me tell you what the implications of that are. If you've got college that expensive and you go into that much debt, well, that means it's harder for you to take on other debt, like say a mortgage. If you're paying college debt every single month, your ability to struggle with other fees, well, it goes down.
56:28You don't have the ability to handle too much debt of other kinds, too many fees of other kinds. You just don't have the money coming in to afford all of it. But with college being as exorbitantly expensive as it is, people are paying record levels of college debt now. That has to be crushed. Also, the colleges are propaganda operations too often. Not all of them, but too many of them are propaganda operations that are not helping to inform the public. they're deforming the public they're deforming in particular the ruling class the wealthy influential powerful people who leave these institutions with their heads full of left-wing propaganda and then rain down destruction on our country that leads to such harebrained ideas as let's make our colleges crappier that's how you end up with that that cycle just keeps going And then finally, the colleges are not educating people.
57:29People are getting in and not learning anything and not even remembering anything they were supposed to learn other than the left-wing propaganda that was injected into them. So tell me exactly how this is working out for the rest of us. it's not actually it's completely wrecking our country we're churning out people out of institutions of higher learning higher learning that um that don't know anything and and to the extent that they know something it's how do i accrue power by advancing left-wing orthodoxy total destruction so six points mass deportations stop the h-1b scam dramatically reduce legal immigration, end chain migration and the visa lottery, build 10 million homes for Americans and crush the college cartel.
58:17That agenda right there, that agenda will win every election for the rest of our lives. So do it. We voted for President Trump for this. What you see here, this is why we voted for Trump. And this is why President Trump would do well to absolutely accelerate through this agenda, accelerate through it as quickly as humanly possible. The United States Senate and the United States House should better get their acts together, get off their asses and support doing that very thing. And then what does the future hold? Well, it could hold something like a President J.D. Vance, who very much believes in the agenda that I just told you about.
59:08You just heard from him talking about it. And he was very close to Charlie Kirk. If any politician in America shares Charlie's view, it is JD. And so, as I always do, I'm praying. I'm praying for our country. I'm praying for JD. I'm praying for the President of the United States that they fight like hell to make it so that the American dream can be restored. What's the expression? Make America great again. I hope you have a wonderful weekend. I always appreciate all the time we get to spend together. We can do more of it on the radio show today. I've got the big national radio show, thevinceshow.com for your local radio listings, or you can watch me on Rumble, rumble.com slash Vince.
59:53We always do it live and you can jump in on the chat. We have a great time. We have a very, very great time. Thanks for being here. I'll see you on Monday.
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[2016] Letter to Congress From F.B.I. Director on Clinton Email Casehttps://www.nytimes.com/interactive/2016/10/28/us/politics/fbi-letter.html
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