Former Police Officer and Afghan Vet Shares the Testimony That Saved His Marriage and Life

Chad Robichaux knows adversity --- and how to overcome it. In a powerful testimony, Robichaux shared his story in studio with Glenn on Thursday, recounting how he shot and killed a man as a police officer, returned from the War on Terror in Afghanistan with PTSD, but most importantly, brought his marriage and life back from the brink. As a way to help other vets, Robichaux and his wife began Mighty Oaks Warrior Programs to help other vets and families suffering from PTSD.

"Mercury One just gave a $25,000 donation yesterday to Mighty Oaks Foundation, and I want you to be involved. If you care about our servicemen and this issue, this is a great way to get involved," Glenn said.

Mighty Oaks Warrior Programs serves the brokenhearted by providing intensive peer-based discipleship through a series of programs, outpost meetings and speaking events.

Listen to this segment from The Glenn Beck Program:

GLENN: I want to introduce you to a new friend of the program. Met yesterday. And I've heard your story before. And I was so excited that you would come in today and talk to -- we -- we spoke yesterday about the Mighty Oaks Program, which is we have got to work together to find a way to save our servicemen because the rate of suicide is just off the charts. And the government is not doing much.

PAT: There's a 22 a day. Isn't that the statistic we hear?

GLENN: Twenty-two a day.

CHAD: That's the statistic right now. Kind of varying reports. But that's the kind of industry -- if it was an industry, the industry word is 22 a day.

PAT: Man.

GLENN: It's probably more than that.

CHAD: Yes. Yes.

GLENN: But it's really bad. And you were there.

CHAD: Yes.

GLENN: And can we start with you being a policeman and the day you shot a man?

CHAD: Yeah, yeah. I had already did four years in the Marine Corps. And I shifted from active duty to reserves. I was going to go back in as an officer. And so my college job was a police officer in New Orleans, and I had a wife and kid. And I was only a police officer for a short period of time, and I was involved in a shooting. I was a -- I'm not sure how you want to go into the story.

GLENN: Domestic abuse.

CHAD: But, yeah, it was a domestic violence call. And I got to the house. It was kind of the typical scenario where husband and wife were fighting. There was a large crowd of people, about 30 people outside of the house. And we had separated the wife. Got her into this crowd. People were holding her back.

And the man had barricaded himself into the house with a gun. My partner went to the window of the room that he was in, to make sure he didn't shoot out the window. And I stood in the main doorway.

And I could see catercorner across the room. There was a mirror. And so I could see him barricaded against the wall. And he had the chamber -- he was messing with the chamber of the gun. So I knew he was trying to load it or checking it to make sure it was loaded. So I was yelling at him, you know, not to come out. To put down his gun. First to talk.

And he said he was coming out, telling us to leave.

And when he came around the corner, he actually had a gun in a very weird way. He didn't have it like this. He had it over his shoulder. And I think he was maybe taunting me or seeing how far he could push it.

And I always say, if I was asked that morning, what I would have done in that scenario, I would have made a decision, clearly shoot the guy.

But I'm in this guy's house. His kids are outside. His wife is screaming. His toys are on the floor for his children. And family pictures.

I just felt like I could still control the situation. So, you know, I was yelling at him, you know, put down the gun, I'm going to kill you. Like, I wasn't talking to him like a policeman. I'm like, I'm going to kill you. And he's telling me to put down my gun. And I'm a little small guy. He was 6-3, 260 pounds. And I felt like I could disarm him. So I -- as I walked towards him, I grabbed the barrel of the gun and pushed it away from him. And I kicked him -- I kicked him right in the nuts.

(laughter)

STU: That's probably the right way.

CHAD: I thought I could pull the gun out of his hand. And the first time I kicked him, he just held the gun so tight. And the second time I kicked him, my gun came away, and he grabbed my hand.

So we're fighting for two guns now. And I realize that it really had escalated and I was going to have kill him and -- or shoot him. So I just broke, like his grip and came over and shot. Pow! And then I shot five more times. I shot six times total. Pow, pow, pow. My partner was -- my parter was -- he had shot -- I didn't even realize my partner came behind me, but he shot six times as well right over my shoulder.

PAT: Hmm.

CHAD: We hit him 11 out of 12 times. And as we hit him, he turned around, and he fell on his knees and he just -- he looked back, and he said, "You killed me."

And I just tackled him and pulled the gun out from under him and handcuffed him. And I think his wrist must have been in front of him because all of the shots hit center mass, but his wrist was blown out. So I got like blood like -- I was covered in blood. His wife was screaming. And --

PAT: Jeez.

GLENN: So you were cleared of any wrongdoing in that.

CHAD: Yeah.

GLENN: But you went home that night. And the amazing part of this story -- and I got to try to condense this as much as I can. But you said your wife said to you -- just, you told her, I killed somebody. You were a wreck.

CHAD: Yeah.

GLENN: And she just rolled over in bed and went back to sleep.

CHAD: At the time, I was just really angry about that. I mean, my wife very naive to that kind of world. And so I think that's what equipped her to -- my eight deployments to Afghanistan. And being a police officer because she just thought that's what policemen did every night, just went to work and got in gunfights. And so she went back to sleep. And I was very angry at her for many years. I felt like very -- I couldn't talk to her about those types of things. And eventually in Afghanistan, I just really didn't talk much about --

GLENN: You left the police force. You went back. You became Special Forces.

CHAD: Yeah.

GLENN: And one thing that I've heard you say is that there's real darkness over there and real bad guys over there. And you felt yourself becoming one of the bad guys.

CHAD: Yeah, yeah. You know, when you go to a place like Afghanistan, you think you go with some patriotic sense of duty. I wanted to go after 9/11. But then you realize beyond America what the Afghan people endured from the Taliban people. The things that happened to these children. You start to learn about the culture and what had happened there. I lived in the community. And so it really just grabbed a hold of my heart in a bad way, where I just filled myself with anger and rage towards these people. And so really, it kind of -- you feel like you're going there to fight these evil people, and you kind of become that as well.

GLENN: You come home, you have all kinds of PTSD.

CHAD: Yeah.

GLENN: You don't deal with it. You start to in a way protect your family by being a beast and pushing them away.

CHAD: Yeah.

GLENN: At one point it's your daughter's birthday.

CHAD: Yeah. My -- I was just -- my home became a very like unhappy place or unsafe place for my children. I was like time bomb, angry, at the drop of a hat. One time I came home from Afghanistan, my daughter was just so excited I was going to be there for her birthday. But she's very opinionated and had a cake. And the icing was not the icing she wanted, and she said -- you know, she voiced that out. And I just got so enraged. I would lose control. And I grabbed her cake in front of all of her little friends and threw it against the wall and just destroyed my little girl's birthday. And that behavior was like very common. And I knew it was wrong, but I just felt like I had no control over it at that time.

GLENN: So I can imagine how this dog piles on you. And, you know, men know when they're -- everybody knows -- you know when you're wrong and out of control. And then it just starts to, "I'm a bad person." And you just spiraled out of control.

CHAD: Yeah.

GLENN: How did you get out of the nose dive?

CHAD: Well, it was -- it wasn't until, unfortunately for me, rock bottom. I walked out of my marriage. We sold our home. We lived in two separate apartments, and I became one of those statistics that we talked about, the 22 a day. I decided I was going to take my life. And not because I wanted to escape my pain. Because I recognized I was the problem.

GLENN: Uh-huh.

CHAD: And so I thought my family would be better off -- maybe they'll be sad, but they'll be better off.

And I had decided I was going to take my life. And during this time of contemplating how I was going to do it -- I wanted to make it look like an accident -- my wife came to me --

GLENN: You sat in the closet for every day, trying to convince yourself.

CHAD: Yeah, for about two weeks. About two weeks.

I had heard a statistic that one in three children from a parent that commits suicide will as well. I didn't know where I heard that from. But I kept thinking of that.

My boys, you know, I've wrestled and did martial arts my whole life. My boys really followed me in that. So I knew they looked up to me, and I didn't want to leave that pattern in my family. So I was contemplating how I could make it look like an accident.

GLENN: An accident.

CHAD: And that's when my wife came to my apartment, and she asked me that question, the reason I'm sitting here in this chair. She asked me how I could be as successful as I was, as an athlete, as a (inaudible) marine. And she had seen the training I had done. We had been married for a long time. Seen all the workups to go to overseas and knowing the job I did.

She's like, "How could you do all of that, and when it comes to your family, you'll quit?" And that question for me, just -- it was like that time in my life just radically impacted me and challenged me. And, you know, she was right.

I quit on the most important things in my life. My role as a husband, my role as a father. That 17-year-old kid that raised his hand and said he wanted to do something important with his life, I quit on all the things that are the most important, including my health. And I made a decision that day that I was going to turn around and fight with the same work ethic and tenacity for the most important things in my life.

GLENN: Because you were not only a police officer, Special Forces, you were an MMA fighter. I mean, you have been at the top of the game on everything you do.

CHAD: I had 18 and 2 professional record. So I did really well. And so the whole time you imagine my wife is and my family is observing me being successful in the professional things, which I think many men are. And when it comes to the most important things, we don't put in the same effort.

GLENN: I know I've blown it for most of my life until really the last 15 years.

CHAD: Yeah.

GLENN: You know, we just don't see it until sometimes it's too late.

PAT: So did you save your family? You got it back together?

CHAD: Yes. We -- really -- I didn't know how to do it. I just knew I was going to. And so I was able to -- I had a lot of people following me because I was in MMA at the time. So I had 1,000 students. But I didn't have people that were holding me accountable to things. I had a lot of people enabling me. So I was able to align with this guy named Steve Tothe (phonetic), who became a mentor to me. And he really mentored me in a Biblical model of living. Manhood.

And at the end of that, I really -- like, I felt like I found -- like I was dying of Stage 4 terminal cancer and found the cure. Like I had to share it. And that's why I do it. I do it today.

I mean, I had went from having panic attacks still at night. Anger, anxiety, things that I felt were uncontrollable, to becoming back in control of my life by the choices I made every day.

It was really a realization of that, that regardless of what happened to me, whether it was heroic or destructive or a sad story, those things didn't put me in a situation I was in. The choices I was making was. And so when I realized that and realized I had control of my life, still, I was able to make different choices moving forward.

GLENN: Mercury One just gave a $25,000 donation yesterday to Mighty Oaks Foundation. And I want you to be involved. If you care about our servicemen and this issue, this is a great way to get involved.

CHAD: Yeah, Mighty Oaks wasn't an idea that started as a non-profit. It was me wanting to pay for it with the challenge my wife gave me, the second chance God gave me, and the mentorship Steve gave me. I felt like I had found the solution and I had an obligation to share it.

And so today, it's grown into this very large organization that runs -- we're running 30 programs a year. And those programs are -- is a week-long intensive to take guys through the same transitional process I went through and then equip them to pass it on to someone else. So it's taking a leader who fell on his face and raising him back town a leader again and a warrior again.

GLENN: How much of the 12-step program have you used? Or have you looked at any of the 12-step program?

CHAD: Yeah, we have. I would say some components of it are put into our methodology. But our methodology is simply contrast your life to the life you were created to live. Coming to the point to where you accept responsibility, that regardless of what happened to you, you're responsible for moving forward, the choices you make. And then coming alongside guys that could hold you accountable to that. All of our instructors are combat vets. So it's non-clinical. So they're able to share their story of what worked for them. And whether a psychologist is more qualified than one of our instructors is irrelevant because the combat veteran typically will only listen to someone that's been there before them. So the power of testimony.

GLENN: What's the website? Mighty --

CHAD: The website is MightyOaksPrograms.org.

GLENN: MightyOaksPrograms.org. Can't recommend it highly enough. If you care about making a difference and helping these guys who so desperately need our help, this is the way for you to get involved.

CHAD: And the US military sends guys to us on active duty orders, which we fund. So no veteran, no active duty military pays to come.

GLENN: And what is it? Like $2500 a person.

CHAD: So it's underwritten because we have so much great support. So $1,000 in scholarship, one guy into the program.

GLENN: That's amazing. So you want to change one guy's life, it's $1,000.

CHAD: Yes.

GLENN: And it really does change lives.

CHAD: I try.

GLENN: Thank you, Jeff. Appreciate it.

CHAD: Thank you so much, Glenn. Thank you guys. God bless you guys.

STU: Thank you.

Rapper Kendrick Lamar brings white fan onstage to sing with him, but here’s the catch

Matt Winkelmeyer/Getty Images for American Express

Rapper Kendrick Lamar asked a fan to come onstage and sing with him, only to condemn her when she failed to censor all of the song's frequent mentions of the “n-word" while singing along.

RELATED: You'll Never Guess Who Wrote the Racist Message Targeting Black Air Force Cadets

“I am so sorry," she apologized when Lamar pointed out that she needed to “bleep" that word. “I'm used to singing it like you wrote it." She was booed at by the crowd of people, many screaming “f*** you" after her mistake.

On Tuesday's show, Pat and Jeffy watched the clip and talked about some of the Twitter reactions.

“This is ridiculous," Pat said. “The situation with this word has become so ludicrous."

What happened?

MSNBC's Katy Tur didn't bother to hide her pro-gun control bias in an interview with Texas Attorney General Ken Paxton in the wake of the Santa Fe High School killings.

RELATED: Media Are Pushing Inflated '18 School Shootings' Statistic. Here Are the Facts.

What did she ask?

As Pat pointed out while sitting in for Glenn on today's show, Tur tried to “badger" Paxton into vowing that he would push for a magical fix that will make schools “100 percent safe." She found it “just wild" that the Texas attorney general couldn't promise that schools will ever be completely, totally safe.

“Can you promise kids in Texas today that they're safe to go to school?" Tur pressured Paxton.

“I don't think there's any way to say that we're ever 100 percent safe," the attorney general responded.

What solutions did the AG offer?

“We've got a long way to go," Paxton said. He listed potential solutions to improve school safety, including installing security officers and training administrators and teachers to carry a gun.

Pat's take:

“Unbelievable," Pat said on today's show. “Nobody can promise [100 percent safety]."

Every president from George Washington to Donald Trump has issued at least one executive order (with the exception of William Harrison who died just 31 days into his presidency) and yet the U.S. Constitution doesn't even mention executive orders. So how did the use of this legislative loophole become such an accepted part of the job? Well, we can thank Franklin Roosevelt for that.

Back at the chalkboard, Glenn Beck broke down the progression of the executive order over the years and discussed which US Presidents have been the “worst offenders."

RELATED: POWER GRAB: Here's how US presidents use 'moments of crisis' to override Constitutional law

“It's hard to judge our worst presidential overreachers on sheer numbers alone," said Glenn. “However, it's not a shock that FDR issued by far the most of any president."

Our first 15 presidents issued a combined total of 143. By comparison, Franklin D. Roosevelt issued 3721, more than twice the next runner up, Woodrow Wilson, at 1803.

“Next to FDR, no other president in our history attempted to reshape so much of American life by decree, until we get to this guy: President Obama," Glenn explained. “He didn't issue 3000, or even 1800; he did 276 executive orders, but it was the power of those orders. He instituted 560 major regulations classified by the Congressional Budget Office as having 'significant economic or social impacts.' That's 50 percent more regulations than George W. Bush's presidency — and remember, everybody thought he was a fascist."

President Obama blamed an obstructionist Congress for forcing him to bypass the legislative process. By executive order, President Obama decreed the U.S. join the Paris Climate Accord, DACA, the Clean Power Plan and transgender restrooms. He also authorized spying in US citizens through section 702 of FISA, used the IRS to target political opponents and ordered military action in Libya without Congressional permission.

All of these changes were accepted by the very people who now condemn President Trump for his use of executive orders — many of which were issued to annul President Obama's executive orders, just as President Obama annulled President Bush's executive orders when he took office … and therein lies the rub with executive orders.

“That's not the way it's supposed to work, nor would we ever want it to be," said Glenn. “We have to have the Constitution and laws need to originate in Congress."

Watch the video above to find out more.

Six months ago, I alerted readers to the very attractive benefits that the TreasuryDirect program offers to investors who are defensively sitting on cash right now.

Since then, those benefits have continued to improve. Substantially.

Back in November, by holding extremely conservative short-term (i.e., 6-months or less) Treasury bills, TreasuryDirect participants were receiving over 16x more in interest payments vs keeping their cash in a standard bank savings account.

Today, they're now receiving over 30 times more. Without having to worry about the risk of a bank "bail-in" or failure.

So if you're holding cash right now and NOT participating in the TreasuryDirect program, do yourself a favor and read on. If you're going to pass on this opportunity, at least make it an 'eyes-wide-open' decision.

Holding Cash (In Treasurys) Now Beats The Market

There are many prudent reasons to hold cash in today's dangerously overvalued financial markets, as we've frequently touted here at PeakProsperity.com.

Well, there's now one more good reason to add to the list: holding cash in short-term Treasurys is now meeting/beating the dividend returns offered by the stock market:

"Cash Is King" Again - 3-Month Bills Yield More Than Stocks (Zero Hedge)
'Reaching for yield' just got a lot easier...
For the first time since February 2008, three-month Treasury bills now have a yield advantage over the S&P; 500 dividend yield (and dramatically lower risk).
Investors can earn a guaranteed 1.90% by holding the 3-month bills or a risky 1.89% holding the S&P; 500...

The longest period of financial repression in history is coming to an end...

And it would appear TINA is dead as there is now an alternative.

And when you look at the total return (dividends + appreciation) of the market since the start of 2018, stocks have returned only marginally better than 3-month Treasurys. Plus, those scant few extra S&P; points have come with a LOT more risk.

Why take it under such dangerously overvalued conditions?

If You Can't Beat 'Em, Join 'Em

In my June report Less Than Zero: How The Fed Killed Saving, I explained how the Federal Reserve's policy of holding interest rates at record lows has decimated savers. Those who simply want to park money somewhere "safe" can't do so without losing money in real terms.

To drive this point home: back in November, the average interest rate being offered in a US bank savings account was an insutling 0.06%. Six months later, nothing has changed:

(Source

That's virtually the same as getting paid 0%. But it's actually worse than that, because once you take inflation into account, the real return on your savings is markedly negative.

And to really get your blood boiling, note that the Federal Reserve has rasied the federal funds rate it pays banks from 1.16% in November to 1.69% in April. Banks are now making nearly 50% more money on the excess reserves they park at the Fed -- but are they passing any of that free profit along to their depositors? No....

This is why knowing about the TreasuryDirect program is so important. It's a way for individual investors savvy enough to understand the game being played to bend some of its rules to their favor and limit the damage they suffer.

Below is an updated version (using today's rates) of my recap of TreasuryDirect, which enables you to get over 30x more interest on your cash savings than your bank will pay you, with lower risk.

TreasuryDirect

For those not already familiar with it, TreasuryDirect is a service offered by the United States Department of the Treasury that allows individual investors to purchase Treasury securities such as T-Bills, notes and bonds directly from the U.S. government.

You purchase these Treasury securities by linking a TreasuryDirect account to your personal bank account. Once linked, you use your cash savings to purchase T-bills, etc from the US Treasury. When the Treasury securities you've purchased mature or are sold, the proceeds are deposited back into your bank account.

So why buy Treasuries rather than keep your cash savings in a bank? Two main reasons:

  • Much higher return: T-Bills are currently offering an annualized return rate between 1.66-2.04%. Notes and bonds, depending on their duration, are currently offering between 2.6% - 3.1%
  • Extremely low risk: Your bank can change the interest rate on your savings account at any time -- with Treasury bills, your rate of return is locked in at purchase. Funds in a bank are subject to risks such as a bank bail-in or the insolvency of the FDIC depositor protection program -- while at TreasuryDirect, your funds are being held with the US Treasury, the institution with the lowest default risk in the country for reasons I'll explain more in a moment.

Let's look at a quick example. If you parked $100,000 in the average bank savings account for a full year, you would earn $60 in interest. Let's compare this to the current lowest-yielding TreasuryDirect option: continuously rolling that same $100,000 into 4-week T-Bills for a year:

  1. Day 1: Funds are transferred from your bank account to TreasuryDirect to purchase $100,000 face value of 4-week T-Bills at auction yielding 1.68%
  2. Day 28: the T-Bills mature and the Treasury holds the full $100,000 proceeds in your TreasuryDirect account. Since you've set up the auto-reinvestment option, TreasuryDirect then purchases another $100,000 face value of 4-week T-Bills at the next auction.
  3. Days 29-364: the process repeats every 4 weeks
  4. Day 365: assuming the average yield for T-Bills remained at 1.68%, you will have received $1,680 in interest in total throughout the year from the US Treasury.

$1,680 vs $60. That's a 27x difference in return.

And the comparison only improves if you decide to purchase longer duration (13-week or 26-week) bills instead of the 4-week ones:

Repeating the above example for a year using 13-week bills would yield $1,925. Using 26-week bills would yield $2,085. A lot better (34x better!) than $60.

Opportunity Cost & Default Risk

So what are the downsides to using TreasuryDirect? There aren't many.

The biggest one is opportunity cost. While your money is being held in a T-Bill, it's tied up at the US Treasury. If you suddenly need access to those funds, you have to wait until the bill matures.

But T-Bill durations are short. 4 weeks is not a lot of time to have to wait. (If you think the probability is high you may to need to pull money out of savings sooner than that, you shouldn't be considering the TreasuryDirect program.)

Other than that, TreasuryDirect offers an appealing reduction in risk.

If your bank suddenly closes due to a failure, any funds invested in TreasuryDirect are not in your bank account, so are not subject to being confiscated in a bail-in.

Instead, your money is held as a T-Bill, note or bond, which is essentially an obligation of the US Treasury to pay you in full for the face amount. The US Treasury is the single last entity in the country (and quite possibly, the world) that will ever default on its obligations. Why? Because Treasurys are the mechanism by which money is created in the US. Chapter 8 from The Crash Course explains:

As a result, to preserve its ability to print the money it needs to function, the US government will bring its full force and backing to bear in order to ensure confidence in the market for Treasurys.

Meaning: the US government won't squelch on paying you back the money you lent it. If required, it will just print the money it needs to repay you.

So, How To Get Started?

Usage of TreasuryDirect is quite low among investors today. Many are unaware of the program. Others simply haven't tried it out.

And let's be real: it's crazy that we live in a world where a 1.68-2.09% return now qualifies as an exceptionally high yield on savings. A lot of folks just can't get motivated to take action by rates that low. But that doesn't mean that they shouldn't -- money left on the table is money forfeited.

So, if you're interested in learning more about the TreasuryDirect program, start by visiting their website. Like everything operated by the government, it's pretty 'no frills'; but their FAQ page addresses investors' most common questions.

Before you decide whether or not to fund an account there, be sure to discuss the decision with your professional financial advisor to make sure it fits well with your personal financial situation and goals. (If you're having difficulty finding a good one, consider scheduling a free discussion with PeakProsperity.com's endorsed financial advisor -- who has considerable experience managing TreasuryDirect purchases for many of its clients).

In Part 2: A Primer On How To Use TreasuryDirect, we lay out the step-by-step process for opening, funding and transacting within a TreasuryDirect account. We've created it to be a helpful resource for those self-directed individuals potentially interested in increasing their return on their cash savings in this manner.

Yes, we savers are getting completely abused by our government's policies. So there's some poetic justice in using the government's own financing instruments to slightly lessen the sting of the whip.

Click here to read Part 2 of this report (free executive summary, enrollment required for full access)

NOTE: PeakProsperity.com does not have any business relationship with the TreasuryDirect program. Nor is anything in the article above to be taken as an offer of personal financial advice. As mentioned, discuss any decision to participate in TreasuryDirect with your professional financial advisor before taking action.