RADIOMarch 15, 2022

Dave Ramsey: Don’t let FEAR derail your financial plans

Dave Ramsey, financial expert and host of ‘The Ramsey Show,’ joins Glenn to discuss how fear of our unknown future may be affecting how some Americans invest or plan their finances today. It’s always best to assess risk in the marketplace, Ramsey explains, but ‘when the fear kicks in it coats your brain and lowers your critical thinking skills.’ Plus, Ramsey describes the three components of inflation we’re experiencing today, and he predicts how much further inflation may go…

Transcript

Below is a rush transcript that may contain errors

GLENN: So if it isn't Dave Ramsey. Hi, Dave, how are you?

DAVE: Great, my friend. How are you is this?

GLENN: I'm very good. But I do want to thank you for the pleasure of having my wife come home, who listens to you every day, and say, honey, see, I told you, you were crazy.

Dave Ramsey said you were crazy. Thank you for that, Dave.
(laughter)

DAVE: Any time, my friend. I am just here to help. I'm a big Glenn Beck supporter.

GLENN: Yeah, no. No. We don't even have to go down this road. We are good friends. We have been for a long time. I have a lot of respect for you, and I know it goes the other way. Here's what I do want to do. You were talking about the Great Reset.

You're in a different business, really, than I am.

You give financial advice. I don't. I always say, this is what I'm doing. But don't listen to me. Because I have no idea, what I'm talking about.

I wanted to get from you, what you think The Great Reset is.

DAVE: Well, the irony of this is, is that both our books came out the same day. January the 11th.

GLENN: Yeah. That's right.

DAVE: And both of them were on the best-seller list, at the same time.

Baby steps, millionaires. That actually started this conversation this morning too. Because what happened, a guy followed our baby steps, and became a millionaire.

Completely out of debt.

Has a net worth of $100 million. Calls in. And says, hey. I'm thinking about not investing anymore, because of the Glenn Beck reset. That's what started --

GLENN: Hold on. Hold on. Just a second. First of all, it's The Great Reset. Not the Glenn Beck reset. And I have never said that. I still -- I said, if you are concerned about it, spread your money out as wide as you can, because I don't know what will hold.

But I still have my house. I still have money in the stock market. I'm very careful on who I invest with. I don't want to invest with BlackRock. Although, if you want to make money, that's what you should do.

If you want to make money.

DAVE: Well, if you have no principles.

GLENN: Yeah.

DAVE: So, you know, no. I'm not an expert on the great reset.

You are. You wrote the book on it. And diversification, what you're talking about there. Spreading your money out.

The Bible says, spread your portions to seven, yes, to eight. For disaster, make them upon -- diversification is the oldest financial rule ever. Never put all your eggs in one basket. Some dude has the basket, and he's been smoking pot. Do not put all your eggs in one basket. Correct?

GLENN: Correct.

DAVE: So that's what we're talking about. And, certainly, we would espouse that as well. What I was trying to do was keeping the guy from freaking out. Becoming scared that the world was coming to an end, and trashing all his investments, that caused him to become a millionaire in the first place.

GLENN: Yeah. So, Dave, this is one of the reasons why I'm thrilled to have you on. Because honestly, you know, I don't know if you know what stakeholder capitalism is. But that's the driving force, or the theory behind The Great Reset.

And you've got the Treasury. You have Yellen saying, this is what we're doing. We're going to have stakeholder capitalism. That's 21st century fascism.

And if you don't mind, not telling your school board, I think you're wrong.

Then you're not going to have a problem with ESG scores.

But you have to play ball, exactly the way, they are telling you. Down the road. With digital money, which is something that the executive order came out last week on.

And so I don't know what it's going to look like on the other side of this.

I have no idea. What's going on. I do know, just with inflation, we have got to batten down the hatches. So what should people do, to batten down the hatches?

DAVE: Well, when we go back in history, the thing we always want to avoid. We always want to be safe. We always want to assess risk in the marketplace. What you want to talk about. We always want to be wise then. The storms are coming. We perceive a storm. Here's where people get crazy. When the fear kicks in, it coats your brain and lowers your critical thinking skills, and they go nuts.

And so I'll give you an old example, I was thinking of this morning, knowing I was going to be on here.

In 1982 Peter Crase (phonetic) was put on the Grace Commission by Ronald Reagan, to study government overspending.

And the deficit, and the damage of the deficits. His cochair on that was a guy named Harry Figgie.

Both of them were billionaires at the time. And Figgie wrote a book later that year, called Bankruptcy 1995, predicting the end of the American economy as we know it because of the deficit increase. Apparently, he was wrong.

Larry Burkett wrote a book called The Coming Economic Earthquake that was predicted in 1992, the world was going to come to an end, and the economic crisis was going to cause America to end as we know it. And, apparently, was wrong.

My good friend, Robert Kiyosaki who wrote a wonderful book called Rich Dad Poor Dad, wrote a book called Rich Dad's Prophecy, where he predicted the end of the stock market as we know it in 2016. Apparently, he was wrong.

So I don't want people to not invest because of fear, by going -- swinging the pendulum too far to the other side. But it is wisdom, there in the middle, to say, hey. I don't like what's going on. I smell fascism. I smell Fauci running the economy. You know, I'm a Libertarian. Leave me free.

Because a free man will drive an economy. But when you start tinkering around in the background, in the back rooms with these things, is there something to be concerned about?

Sure. So you have to be wise about it. But don't oversteer the car, and flip it.

GLENN: Absolutely.

But let me ask you a couple of things.

First of all, I was called a fearmonger in 2006 and '7, when I said, this housing stuff, with the banks, it doesn't work.

There's going to be a collapse. Everybody called me crazy.

As he know, what happened was the crash of 2008. Now, it wasn't as bad as I thought. And that is only because of TARP.

Which was something that is absolutely unconstitutional. And unthinkable, before that crash.

DAVE: No question. No question.

GLENN: Now, I haven't read Kiyosaki's book, but I know him and I respect him.

DAVE: He's the guy.

GLENN: But there's a difference between the end of America and the end of, as he said, the stock market, as we know it.

Because I look at the stock market today, and it makes no sense. We're closing down all of -- you know, all businesses in America, and the rest of the world?

And the stock market continues to go up?

That's not the stock market that I know.

DAVE: Well, the stock market on the short-term is driven by profits. And profits are very, very real right now. In spite of all the economic crap out there. The profits are very real.

But to predict the end of the stock market. Is to predict every household name, that we know of, evaporating.

GLENN: Right. Right.

DAVE: Home Depot. Microsoft. Apple. McDonald's. Coca-cola are all zero. That's the end of the stock market. That's the end of America.

GLENN: Yes, it is.

But what I'm asking you is, the end of the stock market as we know it. I don't know what he wrote. And maybe he wrote, it will be at zero. I don't believe that.

I believe there are companies that will -- just like in the Great Depression. Companies that will fall away. Companies that are tried and true. And rock solid. And they will continue.

DAVE: Yeah. Well, any time stupid is stress tested. We get to see it's stupid. So that's what happens.

I think in '08, maybe you and I were arguing about gold if you remember. Or I was arguing with somebody about it, because everybody was buying gold in that crash. And I just pulled this up a minute ago.

I told people, don't buy gold. I've always told them not to buy gold.

So in the last 10 years, gold had a 3.71 percent rate of return, and the stock market has had a 12.2 percent rate of return.

GLENN: So I don't --

DAVE: Don't buy gold.

GLENN: Well, I disagree with you. The 3.5. When I started talking about it, it's up 10X. However, I don't buy it as my get rich thing. And I say this all the time. I don't buy it for investment. I buy it for insurance against insanity. It's the same reason why China just purchased 220,000 tons of gold. In the end, when the madness of printing becomes clear, the world generally resets, to some sort of a commodity, usually gold.

That's what they're doing now, in China.

DAVE: It completely melts down, it resets to a barter economy. Then a currency will erupt. And you will see that, on a completely collapsed economy. Venezuela or Nazi Germany, when hyperinflation. And it was a wheelbarrow load of money to buy a loaf of bread. So you have hyperinflation kick in. What happens is, currency is based on trust. So it's actually a spiritual animal, in that sense.

And so when you quit trusting that a piece of green paper, with the president's face on it, will buy something. Then you have to trust that something else will work.

And if you trust gold will work, that's fine.

But in a completely melted down economy, people really want bullets, water, blue jeans, and gasoline.

GLENN: So what do you say about the reset of a currency? Which Russia and China are doing clearly, trying to take the petrodollar apart.

So half the world would go that way if their plan would work. And a reset to a digital dollar.
DAVE: Well, it can happen. Again, the thing that has to happen for these things to occur is trust has to evaporate.

You have to no longer believe -- when a certain number of people believe that a bitcoin is worth something, that's the only thing that makes it worth something.

It has no intrinsic value. Actually, a bar of gold has no intrinsic value. Any more than a piece of paper does. It's when people are fighting over it. Arguing with it about. Negotiating for it, that gives it value. That's the trust factor.

You can move trust around in currencies. And that's why -- and I don't recommend trading currencies. I don't trade currencies. But if you will trade on the yin, you would say, all right. What is the outlook for China's economic conditioning?

GLENN: Right. So I'm not talking about trading currencies. I'm talking about the trading of currencies.

DAVE: Well, it's the same thing.

GLENN: The average person loses about 40 percent on their dollar. If you read Yellen. Yellen is talking about, this time it will be different because it will be an equitable exchange, when the new currency would be introduced.

Which scares the hell out of me.

DAVE: Sure. That's all socialism language. That's just BS. The thing that will happen --

GLENN: Wait. Wait.

When you say BS. You mean, it will not happen.

DAVE: She does not have the power she thinks she has. There's too many of us that really trust and believe in the free enterprise system. That really trust and believe in America for a couple of -- handful of socialists to actually run the dadgum thing. We're not going to tolerate it.

You think people would have stayed in their houses much longer off of Fauci? We were about done, boy? I mean, we were all about done, weren't we?

Were we about to come out of our houses with pitchforks and torches?

GLENN: I don't know. I live in Texas, so it was fine. I live in Texas, so it was fine here. But I think the rest of the country was.

DAVE: Yeah. If we go to back to work, and I was trying to kill my employees. So it was nutty. Just nutty. So the bottom line is, there are enough critical thinkers out there that are capitalist, that do believe in this.

That it's harder to take over the world than it sounds, in my opinion. I don't know. It's a fun discussion, because I love you. You have such a great brain. I love talking to you about this stuff. And, again, if we know it's a friendly territory, because we've got so much respect for each other over the years.

But so I think that I'm not going to write a book, that predicts a crash.

Because I've seen too many books written.

GLENN: Written. Sure.

DAVE: And I'm not predicting that on you, by the way. I'm just saying, I'm not going to change my investment strategy, dramatically, because I am fearful of the world as we know it, to quit operating.

GLENN: Well, I will tell you, that there's a lot of people out there, that having advice. That I think are morons.

I agree with your advice.

Because you are built around, get out of debt.

DAVE: Yeah. Sure.

GLENN: And there's nothing that you could do, that is better for preparedness, for any eventuality. Good or bad.

DAVE: And the funny thing, that works when you're prospering, and the economy is going bonkers good. And it works when there's really bad times. And these people in control are fascist and nutty.

It's hard to foreclose under my house, under current law, when I don't have a mortgage.

GLENN: Real quick.

I only have about a minute. Minute and a half. Your thoughts on inflation?

DAVE: There's two components to it right now.

The energy component is 100 percent on Biden's desk. He's completely screwed the pooch on this.

It's a supply/demand problem. He cut the faucet off, trying to be all greeny, and he drove gas prices through the roof.

He single-handedly did it. It's an administrative nightmare. There's another portion he had nothing to do with, but he's getting blamed for. And that was, we shut everything down, factories and everything for 90 days. Or 120 days. Or six months.

And we screwed up the supply. Then we screwed up the supply chain. Then there was an earthquake at sea, and when the tsunami hit, it was everybody came out and started buying stuff, and there wasn't any stuff to buy.

So the supply/demand curve drove prices through the roof. That wasn't his fault.

Then the third piece is the labor disruption.

Part of that is his fault, because he paid people to sit on their butts at home, when they should have gotten back to work.

If they had gotten back to work, we could have gotten the economy moving again in a proper way.

Instead, they're coming back. We're paying people $20 an hour at Target. Guess what, Target marks up the price of those goods on the shelf, to govern the $20 guy putting them on the shelf. So you're paying for his living wage.

GLENN: How much -- how much worse does it get?

DAVE: Yeah. I -- you know, I think it's going to smooth out pretty quick. The energy thing is the most disturbing. He could be controlled. He could fix it really quick. But he's not going to.

GLENN: Dave. I love you. Dave Ramsey. I mean, I disagree with you on almost all of this. The name of his book is Baby Steps.

DAVE: Agree with. What good say friend you agree with all the time?

GLENN: Baby Step Millionaires is the name of the book. It's a New York Times best-seller. As if that means anything anymore.

DAVE: No, it does not.

GLENN: Baby Steps Millionaires. If you've never listened to the show, you should. It's a great way to get your house in order. Dave, thank you very much. God bless.

DAVE: Love you, bro. Be good.

AI bots are experiencing BRAIN ROT... and it’s happening to all of us

Are we destroying our minds with endless scrolling? Glenn reveals some shocking new evidence that Large Language Models (AI) trained on the same viral, low-quality internet junk we consume every day are experiencing rapid cognitive collapse — reasoning plummets, long-term memory vanishes, and even dark, narcissistic traits emerge. Worst of all? Even when scientists try to “detox” the AI with high-quality data, the damage is permanent. If we don’t choose to feed our minds better content — real books, deep conversation, silence, and reflection — we risk becoming a society that can’t think deeply, care deeply, or live freely… and we might be too far gone to even notice.

Transcript

Below is a rush transcript that may contain errors

GLENN: The average person spends two hours and 21 minutes a day, on social media.

That's the average person! Two hours 21 minutes a day on social media.

Approximately 141 minutes every single day, scrolling.

The average American!

Our on screen time, overall, the average American spends six hours 38 minutes, every day, on screens, connected to the internet!

Oh, my gosh. Wow! Time just gone! Just vanished into -- into, what? Updates? Scrolls? What is it that we're reading?

Seriously, are we -- we exercising our soul with deep thought? Do you know that leash reading in the US has fallen?

Only 16 percent of Americans age 15-plus read for their own enjoyment on an average day? Fifteen [sic]. That number was almost 30 percent in 2003. Fewer books: US adults in 2021 said they read on average 12.6 books a year, down from 15 in 2002 to 2016.

So we're losing reading skills. We're losing deeper thought. We're losing hours of conversation. We're losing how many hours of reflection? At least minutes, maybe 100 minutes.

Our attention spans. How long can you focus on something?

You know, the second screen was different. When we first started TheBlaze, I talked about doing a second screen. Technology, and it wasn't because you couldn't watch something. They're now talking about taking your TV show or your -- your Netflix show, and dumbing it down so much because people are watching or they're scrolling while they're watching the TV. And so they can't follow a complex story line. Oh, my gosh!

We are just going to be stupid slugs. Everything that we're doing online is fracturing attention, memory, and sustained reasoning. And so at what point does this become an epidemic? At what point our are our minds starving for any kind of nutrition as we feed them calories of noise? Now let me tell you the real story. AI is holding a mirror up for us.

There's a new study that came out. LLMs can get brain rot. Okay? That caught my eye. Large language models, LLMs. They are trained on junk web content. So viral, shallow, high engagement stuff.

And all it does is it's just cataloging all this stuff and just consuming all of this stuff that we're scrolling through every day, okay? Do you know what's happening to the LLM?

It's experiencing cognitive decline. It can't -- its reasoning ability is dropping. Falling through the floor. Long context memory, gone!

And dark personality traits, psychopathic tendencies and narcissism has increased. This is within AI. Okay? And when the junk content ratio rose from zero to 100 percent, if you're just scrolling for junk, the reasoning benchmark falls from 75 percent to almost 55 percent.

Its ability to understand long -- you know, long form context, falls from 85 percent, to about 50 percent.

Now, here's the scariest part, they caught this and they're like, holy cow.

Look at what's happening to the large language model. It's completely decaying.

You know, we're just doing it for a year now, and look what's happened. It's not reasoning anymore. It's turning dark. It can't understand long form content anymore.

Let's get it off that!

Let's start putting good, clean stuff into it.

Even after retraining on clean high-quality data, the models never recover the baseline capacity.

Okay?

The rot remains!

As a man or now as a machine thinketh, so he becomes.

I just -- I've been blown away by this study, for the last few weeks. It came out a couple of weeks ago. I had it on my desk, and I wanted to tell you about it. And I just haven't had time.

And I just keep thinking. This is a machine. This is not our brain. This is -- this is a machine that is -- is using the same kind of crap.

I mean, what happens if you don't monitor what you think?

Or worse what?

When we stop thinking?

AI is teaching us a lesson. And I guarantee. This study has been out for weeks!

Never heard it, did you? Nobody is talking about it. It's screaming at us, "Hey, learn a lesson!"

When you feed nothing but lone nutrient attention-hooking, high engagement junk, the capacity to reason, to remember, and to care degrades.

Aren't we seeing this now? Do people care as much as they used to?

Nope! Can they reason?

Nope!

Can they remember what happened yesterday?

Nope. My gosh, don't worry about AI taking over, controlling us. Programming our lives. Look at ourselves. We've already -- we've already signed over our lives to an algorithm.

We're studying AI brain rot!

But is anybody studying, you know, brain, brain rot?

Maybe -- maybe we do recognize it. Maybe we do recognize it. But, you know, we're too apathetic to wean ourselves off the digital era.

It's hard. It is hard. But when the nature of what we ingest for body and mind becomes shallow, the body suffers. But mind sinks deeper.

And we live in an age where we might be less full of nourishment, but full of distraction.

We talk less. We actually listen less. We read fewer books.

You know, where our minds just flit instead of dive. Our attention span, it's almost gone. And make no mistake, this is not just a matter of convenience or lifestyle. This is creeping into the structure of who we are, individually, and collectively.

What is this going to do to -- to our children?

I mean, even if we stopped right now, and we wanted to change, we -- according to the brain rot study.

We won't get that baseline back. Do we pass this stuff on?

Is it getting to a point, to where we're just pumping out morons.

I mean, we're already doing that. I mean, really pumping out morons.

At what point is this an epidemic, where anybody even recognizes it?

When -- when is it where our ability to think critically is so diminished, we cannot be a free people?

Are we there yet?

I told you earlier, I went to the bookstore yesterday. My son and I went to the bookstore.

And I was like, we're getting books!

Because I haven't read. I've been reading online.

It's not the same. It's just not the same.

You've got -- you can't remember. Because you remember sometimes with your fingers. You remember where it is in the book. You know, I can never find anything digitally. I can never find where it is in the pook. I'm -- I'm looking for it.

I can't find it. But I know right where those facts are, if I'm reading a physical copy of a book. And, you know, deep reading. Quiet reflection. Sustained dialogue. Pretty rare! Pretty rare! Our mental health, our social health!

You know, kind of going down. You know, civic health. I wrote it. A little bit. I think we all agree with that.

Even when artificial intelligence trained on junk content degrade in reason, we still feed ourselves the same thing.

Are we going to keep doing that? Or are we going to choose to do something different?

Well, first thing, we have to get people to understand it.

Can we really?

Can we get people to actually listen to this?

And then engage again, in thoughtful reading and conversation. And meaningful silence.

It starts with awareness.

And then choice. What do you permit -- what are you going to put into your body?

What do you permit into your mind?

Otherwise, one day, we'll all look around. And we will realize.

We didn't just lose time. We lost the capacity to deeply think. Deeply connect.

Deeply live.

And then maybe again, maybe we're so stupid and shallow, we won't know.

I'm happy. Are you happy?

What was the question?

What are you saying?

Maybe that's -- maybe that's -- maybe that's a better life!

I love my family!

I don't know who my family is, but I love them! Politics. I don't vote. I haven't voted for a long time. Look at -- (laughter) TikTok! TikTok! TikTok! Okay?

It's up to us, America.

Rep. Chip Roy EXPOSES How Radical Islamic Cells are Spreading Across America

Texas officials are warning that foreign ideological networks, including CAIR, the Muslim Brotherhood and its affiliates, and Sharia-aligned organizations, have already embedded themselves inside the state through political activism, funding pipelines, mosque expansion, Sharia courts, and aggressive community influence. Glenn Beck and Rep. Chip Roy explain why Texas is now the frontline of a coordinated movement that uses nonprofit status, immigration loopholes, campus activism, and foreign funding to undermine U.S. law and cultural stability. As Europe reels from decades of the same mistakes, Texas is declaring these groups a threat and moving to shut them down, but the question remains: Will America act in time to stop the network that’s already operating inside the country?

Transcript

Below is a rush transcript that may contain errors

GLENN: So, Chip, when you saw this come from the governor, you and I have talked about things like this for a long time. This -- this -- we should have done this with CAIR and the Muslim Brotherhood, a long time ago!

Instead, under -- I believe, it started really under George Bush. But then it just got worse and worse and worse.

We were letting CAIR and the Muslim Brotherhood and everyone else, into our Department of Homeland Security. I mean, decades ago.

Tell me a little bit about why it's important. What Texas did.

And then let's follow it up with enforcement of that.

CHIP: Yeah. Well, first of all, you and I have talked about this for a long time, as I think I've talked to you on your show, it was the last substantive conversation I had with Charlie Kirk. Because it was very clear to me. It was clear on to him.

I think it was clear to you.

That our side, for way too long.

Even today. Thebe it's waking up. Have been asleep with the war on the left, that has been in process for decades.

Everybody is walking to London. They're waking up to Paris.

They're seeing now Dearborn. And Minneapolis.

And, oh, my gosh. Mamdani. Wait a minute. There's a problem in Texas too.

Some of us have been saying that for a while, and going back all the way to the Holy Land Foundation. Right? The Holy Land Foundation which was a Dallas/Ft. Worth issue, 25 years ago.

You and I talked about that last time. For listeners to understand how long this has gone back. You have unindicted coconspirators, associated with the Holy Land Foundation that are not tied to CAIR.

You have CAIR celebrating October 7th. You have all sorts of indications. In fact, the story yesterday in the New York Post.

Our friend Amy and her organization, they helped break that story, and having it out in the world. About the extent to which CAIR is tied, and their financial ties to the dispute issues on campuses.

All of the -- the connections that they have got with the radical terrorism, that we have to connect all of those dots.

And now, for the governor. I think, appropriately, you know, they've been targeting. They passed something in the legislature next spring.

We have to be much more aggressive. The governor is right to be aggressive here. This will have increased scrutiny and tools, and now I have to dive into exactly what those tools are, with respect to what it opens up to on the state level.

But the mere statement by the governor that both -- obviously, dealing with the Muslim Brotherhood. But CAIR. That CAIR is, in fact, an organization that we should treat as such is so critically important. Because it's masquerading as some, you know, oh, the councilman. You know, of American Islamic relations are -- it's crazy.

Like it's -- and the idea that they should get tax breaks is insane.

Which is why I introduced legislation to introduce their tax benefits.

That's the bear minimum.

I can tell you, but I can't go too far into it. Lots of really good conversations are occurring with the appropriate official law enforcement entities in Washington, to follow the money.

We've got to follow the money. I believe that there's a criminal organization, that is connecting all of these dots. You and I talked about that before.

It's not just the Islam issue. The Islamification of America, but also the Soros DAs, the open borders, Antifa. Southern Poverty Law Center. And, by the way, SPLC is now putting a target on me, because I'm daring to speak out about this.

It's all connected. It's all connected, Glenn.

GLENN: So what is it the state can do?

I mean, first of all, I think for anybody who doesn't understand, and, Texans, wake up!

If you lose Texas, you lose the West!

As Texas goes, so goes America.

And as America goes. So go the rest of the world.

And, you know, if you're looking at Dearborn. You're looking at, you know, these places in Minnesota.

And you're seeing that.

And you think that's not related to you.
It is worse in Texas. The numbers in Texas are staggering! And what they're -- I mean, just what's happening in the small little town that -- my studios are in.

It's the most diverse ZIP code in America. Las Colinas, Texas.

And I've been ringing this bell for 12 years when I first got there.

I started doing stuff on the Sharia law. The movement to bring Sharia law to Las Colinas, Texas.

And, Chip, I got to send you a copy of this interview I just did. I did it with the imams in the -- the biggest mosque in Las Colinas.

And one of them halfway through just blurted out, yeah, we all agree, hands should be chopped off if you steal. And I just let him go for a while. And it was clear, Sharia law is happening.

And now they have put these Sharia courts into place, to has come things. Because, well, it's their right to has come it as a religion.

No. No. No.

Not when it comes to usurping the Constitution of Texas or the United States of America. And that's happening now in Texas!

So give me. Give the person who is not necessarily paying attention some idea of what is coming and is here already in Texas.

JASON: Well, first of all, you know, you've got an explosive growth of the mosques that are growing in Texas.

We have over 300 and counting. More being planted in Texas, every day, than any other state in the union. You've got the Islamic center down in Houston, which is 150,000 square feet. That has major issues.

You noticed. I saw that imam down in Houston, going, well, you can't take this on the shelf.

They're trying to take over and change what should be done down here with the implementation of Sharia. There are activist Sharia courts in Texas, which the government rightly yesterday said, they're going to shut down, because they're in conflict with Texas law. And notably, what he's doing with the Declaration.

The governor is making very clear, that he connect the dots with the legislation, that the legislature passed.

With that declaration to say, no land and can be acquired with anybody associated with these organizations.

Now, again, I think this is the tip of the spear.

I think -- I don't mean this negatively. It's kind of obvious. Let's go after these guys. But there are myriad organizations that these will go after and shut down.

Let's be clear. I don't even know why we are allowing any foreign nationals to own Texas land.

GLENN: I don't either.

CHIP: Literally, let's just be very aggressive, and very clear.

I don't why massive corporations are owning our land, by the way. Separate issue, but all related. I'm bothered also by boardrooms in New York buying up our ranches and meat packing plants and everything else.

GLENN: Me too.

CHIP: Because, again, it's all related. The red/green alliance, the Marxist Islamic issue is all connected to root out and destroy western civilization. So that is to say, what the governor did is really critically important. It is a step so that we can go stop some of these things in these enclaves like Epic City.

But we need to be much more aggressive. And, again, I introduced legislation as you know to vet people for Sharia law and adherence to Sharia law when we're admitting them to the United States.

But today, I'm filing a bill called The Pause Act, to pause all immigration, until we have sorted our crap out, until we dealt with H-1Bs. Until we got rid of diversity and -- diversity chain migration. So we dealt with the veto, which, by the way, we need to challenge, which is the Supreme Court case thing that says we must educate illegal children. Until we've dealt with birthright citizenship. Until we've cleaned up our mess.

Until we've put in place, standards for not admitting people that are inherent to Sharia Law. Why are we importing more people?

Let's put Americans to work. Let's stop destroying our culture. Let's freeze it in Texas. Let's do exactly what the governor is doing, and more!

STU: Did you see what's happening in Germany?

In Germany, one of their ministers said, there's no longer a problem in Syria. The war is over. It's peaceful. Everyone in Germany who came for refugee status to Germany, you're all going home. Now, they're not going to do it. However, they did strip citizenship from a Serbian immigrant who praised Hamas as heroes. And this same minister came out and said, you know, your citizenship has to be contingent on shared systems of values.

And they're starting, at least to talk about stepping -- stepping up.

I think this is the right thing to do. Have we thought about -- have we thought about if you have refugee status, and your part of the world has now calmed down going, get out. Go home.

CHIP: Absolutely, we should do that. We have been talking about that, and the need to reverse, frankly, the abuse. There's two elements, okay? The reversal of the abuse of asylum, parole, refugee laws that were abused. Right?

You had people coming in, who really weren't in need of refugee status. Or weren't actually qualified for asylum. And they were abusing paroles on a case-by-case basis. So there's that whole mess. Then when you have a legitimate case for asylum or for refugee status, then we should review those. And say, okay. Guess what? They have calmed down. You can go back! Those are very specific provisions and laws.

You know, they're designed for that specific persecution, or very specific situations in war and otherwise. And when that's no longer the case, then you no longer have the reason to have that qualified status in the United States. So we should address that.

But let's remember, Glenn, I think it's so important, that we have to understand. Like, we're talking about the Muslim Brotherhood. I don't have it right in front of me. But I read that the proclamation by the governor. He was pointing out, that, you know, when that organization was founded like 100 years ago, or something.

Early last century. That it was founded. It was very specific about jihad. And very specific about jihad being an obligation.

Right.

And if that obligation comes from Allah. And that's for everybody adherent to Islam, in the eyes of the Muslim Brotherhood. And so understand what's happening!

And people need to realize that. Because this is -- everybody wants to go and say, well, you know, we can't talk about the First Amendment.

Bull! That is not true. Okay?

First of all, we can talk about it because of the First Amendment. Second of all, we can talk about it, because, yes. You can believe what you want. Right?

Our Constitution. Our Bill of Rights says that. But when you are turning that into a political movement, designed very specifically. To undermine our country.

And you undermine the rule of law. Then, no.

You do not have a right to do that. You certainly don't have a right to be admitted into our country.

And we need to recognize that and address it, or we're going to lose. And then we're going to be like Germany. And we're going to be like London or we're going to be like Paris. And we will be looking around going, what do we do now?

Right? We have 10 percent of the population, and growing. And, you know, 1500 seats in elected officials throughout the United Kingdom.

You've got 85 jurisdictions in Scotland, where they can choose Sharia law instead of -- as an alternative to Scottish law. We can't get to that point.

We have to stop this right now.

The Bubba Effect: Is America headed for collapse?

America just crossed a constitutional red line — and Glenn Beck breaks down why this moment may be the one historians look back on as the final warning before national fracture. From Congress signaling military insubordination, to judges erasing separation-of-powers, to a cultural class obsessed with ideology instead of safeguarding the republic, the “Bubba Effect” is now in full force. Glenn explains why collapsing institutions, media silence, and public distrust are creating a perfect storm — and why citizenship, not rage, is the only path to restoring the republic. Are we witnessing the moment America snaps, or the moment Americans finally wake up?

Transcript

Below is a rush transcript that may contain errors

GLENN: Welcome to the Glenn Beck Program.

We're glad you're here. I want to talk to you today. Today's theme of the show is the Bubba Effect. Because it's here. And we are seeing it in full force. I will show it to you in Dearborn, Michigan. I will show it to you with Nick Fuentes. I will show it to you, with Epstein.

And I just showed it to you, a different kind of the Bubba Effect, institutional Bubba Effect. With that statement that came out, you know, telling the troops to, you know, disown, you know, the president. Or don't -- don't follow orders.

Question orders.

And you should do that. And that is something they're taught in the military. But they're taught within the system.

You know, it's not just that they made a message to the military.

They sent that message.

Imagine if the Duma would have sent that message to Putin. And we received it, and saw it. We would be like, their government is fall apart.

Their military is falling apart.

Look at this. What message is that sending to China and Russia and all their allies.

It's bad. It's very bad. There is a moment in every republic. Every empire. Every nation. The historians will look back and say, yep. That was it.

That was the biggest warning. That was the last warning.

And I think we are living in that moment right now.

When Congress told active duty military to ignore the orders of the commander-in-chief, you've got a problem.

When you can't get a federal judge impeached, because he approved something that has never been done in American history.

Granting one branch of the government, the right to secretly surveil the other without notice.

You have to -- constitutionally, you must notify you're under surveillance.

Okay?

If they're doing a mass thing. You have to notify.

Because that's a second branch!

Otherwise, you break up the branches, okay?

These are not political stories.

These are constitutional earthquakes.

And no one is talking about them! So now the question is: What now?

What has to happen, if the republic has to survive the stress of these fractures. That everybody seems to be creating or dancing on.

Let me outline it plainly here. Because all of us have a role. One, Congress. Congress, you have to discipline your own. If lawmakers can publicly encourage military resistance without consequence, then Congress has surrendered its moral authority.

You cannot police the executive branch. You can't oversee the intelligence agencies. You can't demand transparency, if you cannot police your own members.

Censure is not vengeance. It's maintenance. It's routine. It's necessary.
Constitutional maintenance. And if Congress refuses to do it, then the precedent remains. It gets worse.

And history shows us, no nation survives a politicized military. Ever!

Two, the military.

You to have restate the -- the chain of command.

Publicly and immediately. The Joint Chiefs don't need a press conference. They don't need hearings. They just need to say, the United States armed forces obey all lawful orders of the president.

That sentence, those exact words, that's the firewall between an American republic, and every failed nation in history.

The silence so far is not reassuring.

Three, the judiciary.

Especially the Supreme Court. Close the door on the book -- the Boasberg case! He opened a door that is so dangerous.

No judge, no matter how noble his intentions, has the authority to rewrite the separation of powers.

If one branch can secretly spy on another, then you have no checks and balances! You had a surveillance government. The Supreme Court must intervene. Not Trump! Not even Congress. But for the survival of coequal branches, if they don't, this is the new normal!

And you don't come back from that one, either! And now, the hardest part, the that one everybody talks about. Nobody does. The role of the cultural leaders and people like me in the media. In a functioning republic, this is supposed to be where the media steps in!

This is where the cultural leaders. The voices, left, right, center, stop obsessing over click bait. And start explaining to the people, what just happened. Why it's unprecedented, why it matters. How we as citizens need to respond. But look around. Do you see anyone in the press doing that?

Do you see anyone in Hollywood, doing that?

Do you see anyone in academia doing that? No. You don't. Because America's cultural class no longer sees its role as the guardian of the republic. Who is the guardian?

They're guardians of ideology. So what do we do?

Well, we do what Americans have always done, when institutionals fail. We step in our self. But if we don't care, that's it.

The Founders never trusted the press.

They trusted the people.

So that's where we are now.

And we all have to model what a responsible media. Or a responsible citizen should be doing.

So let me show you right now, how a responsible broadcaster responds to a constitutional breach.

My fellow Americans. This is not about Donald Trump.

This is not about Democrats. This is not about Republicans.

It's not how you vote.

This is about whether the military stays under civilian authority.

Whether our adversaries overseas are given the indication that we are ripe for the taking. This is about judges, that want to erase the separation of powers!

The separation of power is what has kept this constitutional republic going for all of these years!

Most importantly, this is about whether your children will inherit a functioning republic. And if the mainstream media won't tell you, then I will!

That right there, is the job. To preserve the republic!

So our children and grandchildren and that is what we all should be doing. That's what the press should be doing. That's what the cultural figures should be doing.

You call out the violations of Constitutional order, no matter who benefits. No matter who gets angry. No matter what tribe demands your silence. This is what leadership looks like!

This is wrong! This has never been done before. This breaks Constitutional boundaries.

And it has to be corrected immediately!

Americans, you understand the Bubba Effect is here. And it's everywhere!

You're going to see people that you're like, well, he's really wrong on that! And that's really outrageous. And I don't agree with that.

But at least he's right on this one!

And it will always be to question the system. To break it down.

So what do you do?

Well, you don't riot. You don't panic. You don't is it fair. We're headed into Thanksgiving. Give thanks for the crosses that we bear. Give thanks because our liberty, our freedom, should we decide to keep it, will be more valuable to us.

But you should call your representatives. I'm so sick of calling my representatives. But you should do it anyway.

You need to demand transparency. You need to insist on consequences! Don't normalize what is happening. Well, they're all like that! Stop it!
Stop it.

If that's what you expect, that is what you will get. But understand this: The cure for Constitutional drift is not rage. The answer is not anger. It's not division. It is citizenship!

It's also not apathy. If we sleep through this, the system will break, guaranteed.

But if you wake up, stand up, and insist on boundaries, eventually it will happen! I know you're tired.

I know you don't want to do it anymore. I know you're just desperate for an answer. Because the time is running short.

But now is not the time to act in -- in ways where we dishonor ourselves. In ways where we -- we throw in with a lot. We're like, that's really bad!

But at least they're pointing it out. You point it out! Once you start standing up, once we as a people, all you need is 20 percent! Twenty percent. Anywhere between 15 and 20 percent of the American people. If they understand the Constitution, if they understand the Bill of Rights. If they understand that God has put us in this place, at this time, and each of us have a reason to live!

We're here for a reason!

Everything snaps back into place!

It always has!

From 1800 to 1868 to 1974.

Institutions bend.

People break. But the Constitution can be restored.

But if -- and only if, you know it, you love it. You never betray it yourself, and you demand it of the people who represent us.

5,000 missed wires? Epstein bank scandal just EXPLODED

New evidence suggests that JPMorgan Chase overlooked 5,000 "yellow ticket" suspiciouos activity flags connected to Jeffrey Epstein, which resulted in #1.$ BILLION in sketchy transactions. Glenn Beck explains why this may be the scandal that finally brings some of Epstein's enablers to justice.

Transcript

Below is a rush transcript that may contain errors

GLENN: So where does the real story lie with the Epstein story? And I think it's the money, okay?

That's the real story. I'll tell you about the billions who have gone to terrorists from the US and Minnesota taxpayers here in a second.

And when I talk about that, what most people will do, is they'll fight over ICE.

They'll say it's Islamophobia. They'll fight over CAIR. Whatever. USAID, when that went down. Well, that's just about feeding hungry children. It's all misdirection, to get you away from the money. So let me bring this now to Epstein.

When a banker detects suspicious activity, when they see something that looks like money laundering. Human trafficking. Tax evasion. Sending money overseas to terrorists. They don't send a polite note to the supervisor, in hopes somebody reads it.

They are required by federal law, after 9/11, to file what is called a SAR. It's a Suspicious Activity Report.

A SAR.

They have to report that directly to the US Treasury Department. Through FinCEN. Financial center of crimes. Okay?

Once a SAR is filed. The bank isn't even allowed to tell you that they filed it. They just hit send. It's locked. The Treasury is notified. Now, this system like I said, was built after 9/11.

Built after decades of financial corruption.

A system design that no single banker. No single executive. No single billionaire can make illicit money and then have it just disappear offshore.

This is -- this is activated. If you draw $10,000 out, of your account. You are moving $10,000. You get a SAR report. And it goes directly to the Treasury. And when the bank flags something suspicious, it's called -- the SAR is called a yellow ticket. And it's not a suggestion. It's not a memo. It is a federal alert. That triggers monitoring by the Treasury, the FBI, Homeland Security. Depending on what the flags indicate. Now, that you understand that, let me talk to you about Jeffrey Epstein.

Between 2002 and 2016, JPMorgan Chase filed seven SARS. Seven yellow tickets on Epstein. Seven! Over 14 years. Those reports flagged a grand total of $4.3 million in sketchy activity.

Okay. It's all -- you know, it's a decade replace plus, $4 million.

You can make all kinds of excuses for that. Right? But after Epstein died, when the government finally unsealed the sex trafficking details, details that they had held on to for years. JP Morgan Chase suddenly panicked. Because the floodgates suddenly opened. In 2019, two SARS were flagged. Two SARS were sent to the Treasury.

They flagged over 5,000 suspicious wire transfers. We're not talking $4 million.

This is 1.3 billion dollars. Five thousand suspicious activity transfers, and transactions, of 1.3 billion dollars.

Now, let me just say this clearly, so nobody really misses the gravity of this. You do not accidentally forget to report 5,000 suspicious wires.

You don't like, where did we put that $1.3 billion.

Okay. You don't misplace a billion dollars in wires, to foreign banks and Shell companies, connected to then a convicted sex offender under federal investigation. It doesn't happen. It doesn't happen.

It doesn't happen, because a Jr banker made a mistake.

It doesn't happen because the compliance officer was sleepy. It doesn't happen because somebody's inbox was full.

To not report that level of suspicious activities directly to the Treasury, first of all, is against all federal law.

And at a minimum, multiple officers, multiple departments. Multiple signoffs, choosing not to look.

$1.3 billion. 5,000 suspicious activities. Hmm.

Why?

Why did nobody report that?

Well, now, according to internal emails, JP Morgan Chase held off the filing of the SARS. Now, let me ask you this: If you had one suspicious -- if you withdrew $10,000 from your bank, are you really clear that your bank would do what the federal government directs. And I have to report this.

And it's going to go to the Treasury. Are you clear that they would do that on you?

Because the answer is, yes, they would. Federal law requires it!

But the bank decided, well, we want to continue to work with Epstein. He's valuable. He's connected. He's a referral engine to some of the richest people in the world.

He had sensitivities according to the bank. Wire transfers to Russian banks. Wire transfers to Shell corporations. Wire transfers from a guy who is engaged in sex trafficking.

Links to top political figures. Relationships with two US presidents. Both of whom Epstein at various times claimed to be very, very close with.

Let me explain: Something that most people don't know. Banks file SARS, suspicious activity reports, to the Treasury, for far less than this.

$10,000. They flag it. A business wires to an unusual location. They flag it!

It's sent to the Treasury. A client sends repetitive round number transfers to an unknown entity. They flag it!

It goes to the Treasury. A wire connected to anything resembling terror or human trafficking or exploitation. They flag it right now.

Banks don't wait for a 5,000 -- for 5,000 suspicious transactions. They don't wait. They file over one!

So how did Epstein get through 5,000 suspicious activity reports without triggering any alarms.

Not because the alarms were broken. Because they weren't. It's because somebody turned them off.

I would like to know who turned those off.
I would like to know, why they were turned off? I would like to know, if it was just the leadership of the bank. I would like to know, that every single one of those bank officers. All the way to the top, go to prison!

Not some slap on the wrist. Not some, well, you're well-connected. So we're going to let this other guy pay for it.

I want all of them in prison. You broke federal law!

Something we all -- all of us have to abide by.

We -- we have had our Treasury. We've had our government snoop into our lives. Watch everything we do. And we're not connected to human trafficking. We're not selling children. We're not convicted felons.

We're not transferring 1.3 billion dollars after we've been convicted.

SARS are not -- these suspicious activity reports, they are not decided by a single teller. They have to pass -- they pass through compliance teams. Risk divisions. Bank lawyers. Federal liaison officers. This isn't one bad apple. It's an entire system. And Senator Wyden, no conservative firebrand, I might point out, is now openly saying what everybody knows privately. JP Morgan Chase should face criminal investigations, and it should go all the way to the top!

And it should not be civil. It should be criminal. Because if you or I did this, if we had sent just a handful suspicious wires, the bank would freeze your account, notify the Treasury, before you could blink!

But Jeffrey Epstein, a billion dollars worth of exceptions. Hmm. Hmm.

Wow. That seems much more important than a stupid birthday card!

Let me ask you this, the question the DOJ doesn't want to touch.

How many people does it take inside a bank to make 5,000 suspicious transactions just vanish for 17 years? Is it five people? Is it ten? Is it a department head, a board member?

Five thousand. 1.3 billion dollars. Was Epstein. Did it happen because Epstein was useful to the powerful?

So nobody wanted to know. Did this happen because others were involved?

Does it really matter what their excuse was?

Here's the terrifying question. If a bank can look the other way on $1.3 billion for a sex trafficker. What else have the banks learned to ignore?

Hmm.

I'm beginning to think the banks are a real problem. Hmm.

There's a new idea.

This story isn't just about Epstein.

This is about the machinery that allowed him to operate. All of the middleman. All of the financial networks. All of the institutions, that treated him like an asset, instead of a criminal.

And I do believe he was an asset. Intelligence asset.

I do believe he was probably an asset to our intelligence. Although, you I hear both sides.

No, no, no. That's not true. Oh, yes. It's definitely true.

I don't know what the truth is. I don't think it's unreasonable to say, he was an asset for a foreign government. Maybe Israel.

Maybe somebody else. I don't know.

But also an asset for us.

That helps all the. Apparently.

We do all kinds of horrible things. Why not?

Senator Wyden says, he wants to follow the money.

Well, good!

For the first time in a long time, maybe the money is finally pointing us somewhere. And it's not just here.

And, by the way, if anybody still believes this ends with one dead man in jail. I don't think you're paying attention!

Because this is where it really leads.