This Is How $892 Billion of Taxpayer Money Is Wasted Every Year | Kat Cammack

28 Dec 2025 · 18 min · 11 chapters

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In short

Kat Cammack criticizes Congress for failing to codify conservative priorities and for funding programs not authorized, claiming $892 billion/year is wasted. She argues executive actions can be reversed in ~3 years, so Congress should pass laws (e.g., the USA Act) and audit agencies. She supports eliminating the filibuster and pushing regulatory reform via the REINS Act, claiming it would save $2.5 trillion in the first year by reducing compliance/enforcement costs. She discusses Florida policy: property tax relief for primary residences, tort and regulatory reform to lower insurance premiums, and competition in insurance markets. She also frames politics as an “entertainment/influencer” era driving populism.

Guests

Kat Cammack (U.S. House member; Florida Republican; constitutional conservative; former chief of staff). Interviewer (host; not identified). Notable example: Cammack references her four-month-old daughter voting/participating in Capitol Hill activities and mentions Epstein files release.

Written by AI. May contain mistakes. Listen to the episode to check what was said.

Chapters

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The Wasteful Spending in Congress

0:45 to 2:54

Discussion on the $892 billion spent annually without congressional approval.

“$892 billion every single year we are spending in programs and agencies that Congress never greenlit.”

Legislative Challenges and Optimism

2:54 to 4:23

Overview of legislative challenges facing Congress and the need for more action.

“You know, there's no excuse for why we aren't banking a conservative win that we've campaigned on for decades every single month or week.”

Executive Orders vs. Legislation

4:23 to 6:18

The conversation explores the reliance on executive orders and the need for codification.

“half of what we authorize or half of what we appropriate is not authorized.”

Regulatory Reform Discussion

6:18 to 7:58

Importance of regulatory reform and its impact on American politics.

“The importance of it is that it saves$2.5 trillion in the very first year, because that's what we as Americans spend in enforcement and compliance of these regulations.”

The Influence of Social Media in Politics

7:58 to 8:11

How social media shapes political communication in the modern era.

“social media, as you know, more than most is driven largely by this entertainment era we're in.”

Florida's Political Landscape

8:11 to 12:20

Cammack discusses Florida's successes and challenges in politics.

“because the idea that the old thing didn't work for a certain set of reasons, now we've ushered in a new thing, but there's obviously a lot of reasons that's not going to work too long-term.”

Big Government vs. Small Government

13:05 to 14:00

Discussion on the philosophical divide between big government and individual independence.

“And I think that there's something very intoxicating for people about big government.”

The Dangers of Big Government

14:00 to 14:55

Learn how big government can become addictive and impact individual responsibility.

“So I think when you're talking about why do blue states, you know, maybe balk at the success of Florida or maybe can't replicate it, it's because big government is it's addictive.”

Populism's Impact on Conservatism

14:56 to 15:44

Explore how the rise of populism is reshaping conservative values and policies.

“Yeah, you know, I think that that is part of the entertainment era that we're in.”

A Vision for 2026 and Reform

15:45 to 16:56

Discover optimistic perspectives on political reform and the power of the people.

“Ooh, I will say, um, I do think that, um, given the rise of, and there's good things that come with this populist streak, right?”
Show all 11 chapters

Taking on Big Tech

16:57 to 17:34

Understand the efforts to address big tech issues and future reform plans.

“And I would love to see regulatory reform.”
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Transcript

Automatic transcript. May contain errors.

0:00At some point, you just have to put your cards on the table and say, we're going to do this. And if the Senate doesn't want to pick it up, that's on the Senate. But that is no excuse as to why we in the House aren't moving things that we know should be going along, like the USA Act. Right. I got an email today from a colleague who said, I can't sign on to this bill because I'm an appropriator. And most of what we appropriate funds to is not authorized. It would make my entire job really difficult. That as an American makes my blood boil. Like Congress should be going through and auditing programs and agencies.

0:40Half of what we authorize or half of what we appropriate is not authorized. $892 billion every single year we are spending in programs and agencies that Congress never greenlit. Kind of crazy.

1:02all right congresswoman kat comic it's good to see you you just mentioned your four-month-old baby is here in dc but yes where where now you're here i know where the child is the child is with with dad and is supervised um but she's manning the uh office right now back on capitol hill so all things good and she's going to the voting floor with you yes yes so she actually was the uh deciding vote on the releasing of the epstein files she pushed the button um she's she's in committee hearings she's on the floor voting with me she's in the tunnels in the capital she's doing all the things well i am very happy to see another floridian i don't know how you do it coming to this freezing cold place you must miss florida when you come here a little bit and we're missing right now the best part of Florida.

1:50Like, well, I'm only here for a day, so I'll be back tonight. Yes, this is the best time to be, this is the best time to be in Florida, but you are here in DC right now. You got like three days left before the whole shop closes down for a while. I've been asking everybody sort of the same question, which is, do you think enough things will be tied up properly before you go home or, or is everything going to get punted to next year? Where, where are you at? Listen, even though I am the eternal optimist, I am disappointed. I don't think that enough, There is enough that you could put on the schedule this week to make up for really, I think, a slower pace this year.

2:28When I sat back and ran the numbers, we've only codified 87 executive orders and we've only made 23 bills law, Republican bills law. Now, granted, there is a lot in those bills. And I think that's fair to say. But when we have the House, the Senate and President Trump, who is an energizer bunny, has more energy than most humans. There's really no excuse. You know, there's no excuse for why we aren't banking a conservative win that we've campaigned on for decades every single month or week. I mean, it's just it's a little frustrating. So, yeah. So one of the things that one of the words that's consistently come up from everyone that has sat in that chair today is codified.

3:11So why is it that? Well, I understand why it is that so much is being done by the executive action pen. But why is it that that you guys are seemingly unable to codify this stuff? Because if it is not codified, it will all be reversed in approximately three years from now. I will tell you, I believe that there are a lot of chicken shit politicians in Washington. I actually campaigned on that, that we need to have the courage to do the thing that is right. And in the Senate, you know, they would say, well, the filibuster, you need 60 votes. And I hear often, well, is this a lawmaking exercise? At some point, you just have to put your cards on the table and say, we're going to do this.

3:51And if the Senate doesn't want to pick it up, that's on the Senate. But that is no excuse as to why we in the House aren't moving things that we know should be going along, like the USA Act. Right. I got an email today from a colleague who said, I can't sign on to this bill because I'm an appropriator and most of what we appropriate funds to is not authorized. It would make my entire job really difficult. That as an American makes my blood boil. Like Congress should be going through and auditing programs and agencies. half of what we authorize or half of what we appropriate is not authorized. $892 billion every single year we are spending in programs and agencies that Congress never greenlit.

4:41Kind of crazy. That is kind of crazy. So what has to, if you were sitting with Trump right now and saying to him, okay, we're, we're at the end of the year, you've, you've angled us in the right way, but we've got to kind of smack a few of these guys. Like what is it you would tell him? or maybe what is it you have told him so i mean i think the president's been very vocal about the filibuster yeah and and while so you're on board eliminating the filibuster while i despise the idea that we are going to break an institutional norm i don't think for one second that the dems would would value that and honor the filibuster um not not if but when they ultimately get back in charge.

5:23So at this point, it's, you know, it's a horrible, it's a horrible decision to have to face. It really is. And, and, and I think as a constitutional conservative, which is what I consider myself, I hate to see the institution, the crafting the framework be bent and broken in different ways, but I see that it's going to happen. So we should be playing by the same rules that our adversaries would. So I think he needs to continue to push on that. The other thing that I have been very much pushing for is regulatory reform, least sexy topic on the planet. It does not get anyone's blood going and no one's like, Ooh, baby.

6:01Yes. It's, it is probably the most boring topic on the planet. But when we're talking about regulatory form, if I was sitting here with president Trump, I would say, Mr. President, this is how you ensure an American Renaissance. This is how you ensure your legacy of returning the power back to the people. Um, the reins act, our bill. It has seen many, many iterations. It has been on the floor. It's passed the House multiple times. The importance of it is that it saves$2.5 trillion in the very first year, because that's what we as Americans spend in enforcement and compliance of these regulations.

6:36And so right there, you're looking at, okay, how do we start addressing deficits? Boom, right there. And when you think about regulatory reform, it's not so much about getting rid of the unelected, nameless, faceless bureaucrats, right? That's draining the swamp in action. But more importantly, it's about putting the power back in the hands of we, the people, because at that point you can hire and fire your Congress critter. They become responsible for the regulatory regime, not people who are completely untouchable and unknown. Does Congress seem more busted to you now than ever, or is this just a kind of continuation of what you've seen or what your predecessors told you?

7:14you know i think much like a taylor swift um we all live in eras right and if we had to put a a label on the era that i believe we're in it's the entertainment era we are in the influencer politician era it is the let me say something a little bit saucy sassy cringy outrageous just a little bit more than the person before me so I can get that click, that share, and that attention because people have realized that the game of, well, if I pay my dues and I, you know, scratch your back and do this, that's not working so much anymore up here. It's very much about the influence that a person brings to the table.

7:55And a lot of that has to deal with social media. And I think social media, as you know, more than most is driven largely by this entertainment era we're in. That's an interesting idea I'll use for the next year. I'll credit you for it. Well, this will be seen, but when I bring it up again, because the idea that the old thing didn't work for a certain set of reasons, now we've ushered in a new thing, but there's obviously a lot of reasons that's not going to work too long-term. It can maybe work short-term. All right, so let's leave the stuff that's not working for a moment. Let's talk about Florida, because that is a place that things are working.

8:25What are you excited about right now in Florida? And what do you want to see change if anything has to change? Or what are the kind of new places you're looking for in Florida? Florida is the land of opportunity, right? Because Florida gets it. And for the longest time, we campaigned on Make America Florida. And now you look at the White House, you look at Congress, you look at really all things in politics, Republican politics. It's Florida, baby. It's that Florida blueprint. No, I still say Florida because I am from New York. I can't say it the other way. Yeah, you got that little twinge. It just is what it is.

8:55It is what it is. Yeah. Do you ever have moments where it really comes out, the accent? Well, I always feel it when I'm speaking in Florida because everyone's like, it's Florida. Florida, but I also say orange juice, not orange juice. I'm from Long Island. It is what it is. Is it like, what is the - But I'm very conscious of it. Like when I did the Sunshine Summit and I had to keep saying Florida over and over. I don't really, I don't hear it as much though. Oh, it's Florida. You say Florida. Florida. Florida, Florida. I say Florida. Do you consider yourself a Florida man? Yes. That's what my Twitter bio says for years.

9:27By the way, it's my four-year Florida anniversary tomorrow. Is it really? Okay. Well, then we must celebrate. They're burying me in the Everglades. Well, you know, the Florida man website every day has a new story. So you got to do something crazy, like take over a Burger King with an army of turtles or, you know, wrestle an alligator with a baby in its mouth and a cigar. Absolutely. But you got to have like the cutoff jeans and maybe, you know, I don't know, a sombrero or something. Some bros are hot right now. They're still hot right now. So what do we have to do? What else do we have to do in Florida?

9:59What else is going on? I mean, what do you think about the property tax situation? That's a big one, obviously. So I think everyone is very much in support of the property tax reforms. And obviously so. I mean, you look at, especially as a Floridian, we're like, man, can we catch a break? It's our home insurance. It's our auto insurance. The property taxes are through the roof. I live in Gainesville. So I have GRU, which is like the worst of the worst. And so I think it's a very, very exciting idea. now rural parts of the state which is a huge part of the state um they're very worried about it and rightfully so because they don't have the tax base um to really ensure those critical services are going to be met so we have to look at a smart way of doing it i think it should be for primary residences i think that we should be making the homestead yeah yeah yeah so basically taking the homestead route and saying like listen if it's a secondary home yeah tough but i think for the primary residence it's a huge opportunity for people to get some relief especially while we're trying to address all of the insurance rates on our homes because right now I know people who their premiums are higher than their monthly mortgage and that's a problem what do you think can be done on the insurance side I mean that's always the big one you know fortunately we haven't now it's been what maybe two years since no it's been less than two years since a massive hurricane We had, well, Helene and the other one.

11:20Not going to be good. No, I'm in Miami, and we fortunately haven't had one since. But obviously, the West Coast and the North has been hit really hard. And what can be done with that? I mean, in my district, we took three hits in 13 months, direct hits in our district. I think competition is really the answer for so many things, including the insurance debacle. And what we've seen is through the ambulance chasers, all the people that were bad actors in the space, the trial attorneys. Remember the roofing companies? That was driving up the costs everywhere. I think that the legislature did an okay job.

11:55I would like for them to have been more aggressive because some people, especially those on fixed incomes, they don't have time to wait for these companies to come back into the fold and for that to equalize out. So I think there's more that can be done, but we have got to deal with the tort reform. We have to deal with the regulatory reform. that's going to be a huge part in bringing the competition back into the space. And that'll ultimately bring down premium. If you owe the IRS back taxes, they can garnish your wages, levy your bank accounts, even seize your retirement or take your home. Don't let the IRS target you.

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13:02Don't let the IRS be the first to act. When you show your colleagues, uh i would say democrat but even some republicans the success of florida why are they not just replicating it across the board well it's a little philosophical i think the answer here um coming up to washington and i had been a chief of staff um and now a member you don't really have republicans and democrats you have the party of big government and then you have the party of little government right Right. And I think that there's something very intoxicating for people about big government. And that's why I always, you know, people say, oh, you know, Nancy Pelosi's doing this or Hakeem Jeffrey's doing that.

13:41And I'm like, it's not that one issue that they're hungry for. It's always the agenda for the left has been dependency and control. Right. You know, grow the size of government so that they, the big government advocates stay in control. Right. They always say it's not the issue is never the issue of the revolution. Exactly. Exactly. And so So I think when you're talking about why do blue states, you know, maybe balk at the success of Florida or maybe can't replicate it, it's because big government is it's addictive. And it's, you know, oh, well, government's going to take care of this one thing.

14:15Oh, maybe they can take care of another thing and then another thing. And I think we need to make independence sexy again, because at the end of the day, that's what small government is about. Right. It's about that that responsibility, independence, value of the individual. and that is a cultural issue that we have to address. How do you think we address that? Because there does seem to be, even growing on the right now, more of a desire to have the government involved in things where maybe 10 years ago there was more of a libertarian streak. I think that that's due to the rise of populism, right?

14:50And populism without principles is a very dangerous thing. Look no further than the French Revolution. People started losing their heads. Yeah, you know, I think that that is part of the entertainment era that we're in. It has given rise because conservatives, because Republicans have not done the things that they said that they would do. People get mad. They get frustrated. Rightfully so. If I had somebody who kept promising, you know, all day long and making good on none of it, of course, I'd be angry and I'd be looking for change. And I think that's where this very strong populist streak has emerged from is that frustration.

15:27but again long term you start to see the the impacts of that when you have republicans all of a sudden being like yeah i'm good with with this idea and i'm like whoa wait a minute i thought we were conservatives i thought we wanted less government when i have republican colleagues that are talking about perpetuating obamacare holy shit that's a sign that things are off the rails when you're talking about okay we're going to give 400 billion dollars to big insurance companies to keep the sick care system in place that's a problem and i think sometimes people are more worried about the next election than they are doing the right thing then on that note last question paint me a positive vision for what will happen in 2026 to leave us with gosh i feel like i've been such a debbie downer no no you've been i'd say out of a dozen or so people you've been kind of right right in the middle so far i've had a couple depressing ones, couple kind of over the top.

16:22Oh, okay. Yeah. Um, so this will decide it right now. Ooh, I will say, um, I do think that, um, given the rise of, and there's good things that come with this populist streak, right? The power of the people is amplified. I think that members are listening, um, more carefully to their base, to their constituents, which is a good thing. So I am very optimistic that people who are hungry for change are getting out there and they're being heard in a more direct way. So I think that's a good thing. I am optimistic that we will have some more big reforms, hopefully, in the health care space. And I would love to see regulatory reform.

17:06But I would be remiss if, as the resident disruptor in Congress, I didn't mention our effort to take on big tech. I think we will see a bill to actually take on big tech for the first time in a long time, hit the floor first quarter, second quarter. And I do think that we have an opportunity to keep the House in the midterms if we make good on our process. OK, well, then that was going to be my part two of the question. You've done it. Merry Christmas. And I'll hopefully see you in Florida.

From the publisher

Dave Rubin of "The Rubin Report" talks to Rep. Kat Cammack about how billions of dollars of taxpayer dollars are wasted on programs and agencies that are never officially greenlit by congress; how few GOP bills and executive orders have been codified despite unified control; why lawmakers avoid hard votes; how social media influencer culture is ruining politicians who are just seeking clicks; and much more.

Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/

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