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12 Retirement Plans Explained & Using Your Family and Relationships to Lower Your Taxes · Earn Your Leisure

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  Speaker 2: And somebody had asked Don some questions about retirement planning.
• 1:55
  Speaker 2: So it's end of the year, so I think it
• 1:57
  Speaker 2: might be a good time to come and go over that. Yeah,
• 2:00
  Speaker 2: maybe we can go over the twelve different type of
• 2:03
  Speaker 2: retirement plans for individuals and business owners quickly. So four
• 2:07
  Speaker 2: one K plan is something that everybody probably is familiar with.
• 2:11
  Speaker 2: That is for for profit businesses. You can actually contribute
• 2:14
  Speaker 2: up to twenty three thousand dollars a year if you
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  Speaker 2: are an employee, an additional seventy five hundred dollars if
• 2:21
  Speaker 2: you are over fifty, so that's thirty thousand, five hundred
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  Speaker 2: so benefit With the four one K you put money in,
• 2:28
  Speaker 2: it lowers your taxable income, save money on taxes. You
• 2:32
  Speaker 2: take it out when you're fifty nine and a half
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  Speaker 2: without avoiding a penalty. If you work in a school
• 2:38
  Speaker 2: or a hospital, you might have what's called a full
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  Speaker 2: three B plan, same type, same type deal, same rules apply,
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  Speaker 2: but that is for the nonprofit world, but it still
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  Speaker 2: allows you to actually put money in. And then with
• 2:52
  Speaker 2: the four one K plans and a four three B
• 2:55
  Speaker 2: sometimes as well, they give you a rough option. We'll
• 2:57
  Speaker 2: talk about that later. Before fifty seven plan is for
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  Speaker 2: government employees, so they're all in a force. I don't
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  Speaker 2: know why the IRS coded it like that, but the
• 3:07
  Speaker 2: four one K for for profit, four three B for nonprofit,
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  Speaker 2: four fifty seven for government entities. And then the IRA
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  Speaker 2: is for individual people that want to put money away.
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  Speaker 2: If you have a business, or if you don't have
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  Speaker 2: a full on one K, you can open up an IRA.
• 3:24
  Speaker 2: Anybody can open up an IRA. You can do it yourself,
• 3:26
  Speaker 2: you can work with a financial advisor. You can put
• 3:29
  Speaker 2: up to seven thousand dollars and that an additional eight
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  Speaker 2: and additional one thousand to bring into eight thousand if
• 3:35
  Speaker 2: you're over fifty, and then you have a rough IRA
• 3:37
  Speaker 2: option also, which the rough you don't pay taxes when
• 3:41
  Speaker 2: you take the money out, but you don't get a
• 3:43
  Speaker 2: tax deduction when you put the money in. Now, for
• 3:45
  Speaker 2: business owners, this is where it gets a little bit
• 3:49
  Speaker 2: more complicated. Simple IRA allows you to put sixteen thousand
• 3:55
  Speaker 2: dollars in and an additional thirty five hundred dollars if
• 4:00
  Speaker 2: you're over fifty, but the employer must match an employee
• 4:03
  Speaker 2: contribution dollar for dollar up to three percent. So as
• 4:08
  Speaker 2: a business owner, you're number one. Your number one thing
• 4:11
  Speaker 2: is a business owner is how to save money, right,
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  Speaker 2: And one of the best ways to save money is
• 4:16
  Speaker 2: to implement a retirement plan. And you kind of kill
• 4:19
  Speaker 2: two birds with one stone because you're lowering your tax liability,
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  Speaker 2: but you're also putting yourself in a position to actually
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  Speaker 2: have more money down the line, right. So it's like
• 4:28
  Speaker 2: you can just buy a computer and that's a tax deduction,
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  Speaker 2: but you're not really getting that money back, right, Yeah,
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  Speaker 2: something that is beneficial for you. But when you put
• 4:40
  Speaker 2: money into a retirement plan, that's like you're saving money
• 4:44
  Speaker 2: as far as it's lowering it. And that's how when
• 4:45
  Speaker 2: they say you're saving money, that's what that means. Right,
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  Speaker 2: it's lowering your tax liability. But you're also going to
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  Speaker 2: be getting that money back because it's money that's invested,
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  Speaker 2: so it's not like you just bought something.
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  Speaker 3: You actually you're investing the money as well. Right.
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  Speaker 2: Solo forour one K is like a four one K,
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  Speaker 2: but it's for an entrepreneur, so it's just one person, right.
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  Speaker 3: And then you have.
• 5:10
  Speaker 2: A pension plan to find benefit that's a little bit
• 5:13
  Speaker 2: more complicated, Mike. You can split the screen and that
• 5:17
  Speaker 2: allows you you can actually put up to two hundred
• 5:19
  Speaker 2: and seventy thousand dollars in a pension plan. So that's
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  Speaker 2: obviously a lot more than a regular retirement account, right,
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  Speaker 2: and that's.
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  Speaker 3: One of the benefits.
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  Speaker 2: Like you always say, the tax code was not made
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  Speaker 2: for employees. It was made for entrepreneurs and investors, right,
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  Speaker 2: So you see, Okay, Now, as an employee, the most
• 5:41
  Speaker 2: you could put in is twenty three thousand with the
• 5:43
  Speaker 2: four one K, But if you're a business owner, you
• 5:46
  Speaker 2: can put depending on how your your business set up,
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  Speaker 2: you can put up two hundred and seventy thousand dollars
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  Speaker 2: away that what ten times? That's like yeah, time difference.
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  Speaker 2: Profit sharing plan. You could put up the sixty six
• 6:01
  Speaker 2: thousand dollars into that cash balance plan. That's a little
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  Speaker 2: bit more complicated. There's not really a set amount that
• 6:08
  Speaker 2: depends on how much money at your businesses actually bring in.
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  Speaker 2: Then you have the thrift Savings Plan which a lot
• 6:14
  Speaker 2: of teachers have, that also better known as a TSP,
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  Speaker 2: and that's kind of like the four one K where
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  Speaker 2: you can put up the twenty three thousand dollars a
• 6:21
  Speaker 2: year as.
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  Speaker 3: Well the results.
• 6:23
  Speaker 2: Please consult with a tax advisor CPA to know your options.
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  Speaker 2: But a lot of times you're leaving money on the table,
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  Speaker 2: especially if you're a business owner. Because you're not you
• 6:36
  Speaker 2: might not even be aware that you can do a
• 6:38
  Speaker 2: pension plan, right, and you think that okay, the most
• 6:41
  Speaker 2: I can put it into a four to one K,
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  Speaker 2: but you can actually you can do a full one
• 6:44
  Speaker 2: K and you can do a pension plan. So you
• 6:47
  Speaker 2: might be putting away twenty three thousand dollars and you think, okay,
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  Speaker 2: that's great, but you still might be paying three hundred
• 6:53
  Speaker 2: thousand dollars in taxes. Well, if you put away another
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  Speaker 2: one hundred thousand dollars into a retirement plan, now that
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  Speaker 2: might cut your tax liability by eighty thousands. That's that
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  Speaker 2: makes a real difference, right, And for the regular employee,
• 7:06
  Speaker 2: you might be funding your four one k at minimal levels. Right,
• 7:10
  Speaker 2: This is a way to actually, you know, put more
• 7:12
  Speaker 2: money into it. So vitally important when you talk about investing,
• 7:17
  Speaker 2: because we talk about retail investing on the brokerage side
• 7:21
  Speaker 2: most of the time, but there are other ways to
• 7:23
  Speaker 2: invest and you can invest that money, and most of
• 7:27
  Speaker 2: the time it's different funds. Sometimes they let you invest
• 7:30
  Speaker 2: in individual's thoughts, but most of the time it's like
• 7:32
  Speaker 2: different funds and indexed funds ETF stuff like that. But
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  Speaker 2: it's important because like I said that that makes a
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  Speaker 2: real difference as far as paying one hundred and fifty
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  Speaker 2: thousand dollars in taxes as opposed to paying fifty thousand
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  Speaker 2: dollars in taxes, right that one hundred thousand only not
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  Speaker 2: only are you saving one hundred thousand, but the opportunity
• 7:51
  Speaker 2: cost that hundred thousand could potentially grow into a million,
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  Speaker 2: So you actually lost a billion dollars by not taking
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  Speaker 2: advantage of something that is here designed for you.
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  Speaker 3: But you know, like I said, it's kind of complicated.
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  Speaker 2: You got like twelve different options, right, so if you're
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  Speaker 2: not educated and your CPA is not educated, then you
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  Speaker 2: might not even be fully taken advantage of ways to
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  Speaker 2: max out your.
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  Speaker 3: Retirement to save money on your taxes.
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  Speaker 4: It's a great list value from the highest level and
• 8:22
  Speaker 4: from a celebrity.
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  Speaker 3: Celebrities, twelve ways them up sound like you do this
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  Speaker 3: for a living. It was a great list.
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  Speaker 4: And the way inflation is going, I mean, I know
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  Speaker 4: that the accent used to be, hey, build a business,
• 8:40
  Speaker 4: that's the best way to wealth, but it's like you
• 8:42
  Speaker 4: have to invest the money inside of the business to
• 8:44
  Speaker 4: help grow because the way inflation is going, you don't
• 8:48
  Speaker 4: know what the market is going to be like in
• 8:49
  Speaker 4: fifteen years. Like imagine being an entrepreneur in two thousand
• 8:53
  Speaker 4: and eighty nine to twenty ten and seeing these valuations
• 8:56
  Speaker 4: and home prices score up and commercial building score up. Like,
• 8:59
  Speaker 4: if you're not having money work for you, lord forbid,
• 9:02
  Speaker 4: if the business goes under, at least you'll still be
• 9:03
  Speaker 4: making some money from the returns you should get out
• 9:05
  Speaker 4: of one of these plans.
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  Speaker 3: That's a fact. That's what I mean.
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  Speaker 1: Obviously I'm being frocegious. You obviously did this for a living.
• 9:14
  Speaker 1: I want it now, like as you were speaking, based
• 9:17
  Speaker 1: on technology, based on the way the world the landscape is. Now,
• 9:22
  Speaker 1: what are the biggest differences you see in financial planning,
• 9:24
  Speaker 1: financial advising from the day you started to present day.
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  Speaker 2: I'm not in this space anymore, so I'm not really
• 9:33
  Speaker 2: sure as far as like the day to day, but
• 9:35
  Speaker 2: I know technology has definitely changed everything as far as uh,
• 9:41
  Speaker 2: you know, when I came in, it was paperwork, you know,
• 9:43
  Speaker 2: like glasses amounts of paper, and now a lot of
• 9:47
  Speaker 2: a lot of that has been changed and everything is online.
• 9:50
  Speaker 3: Even how they keep your records is online.
• 9:52
  Speaker 2: And that's one of the things where I like the blockchain,
• 9:54
  Speaker 2: Like that's how I understood blockchain early, and I understood
• 9:56
  Speaker 2: like how it was going. Everybody kept talking about blockchain
• 9:58
  Speaker 2: as far as cryptocurrency, but blockchain what is going through
• 10:02
  Speaker 2: to the once again, the healthcare industry is going to
• 10:06
  Speaker 2: be phenomenal because it's like, you know, when we used
• 10:09
  Speaker 2: to auder medical records for somebody that won the life insurance.
• 10:11
  Speaker 2: So if you want a life insurance. You have to
• 10:13
  Speaker 2: fill the application, but then we have to nine times
• 10:15
  Speaker 2: out of time, we have to audio medical records, which
• 10:17
  Speaker 2: we call the APS attending physician statement.
• 10:21
  Speaker 3: Now this is us.
• 10:22
  Speaker 2: Actually the insurance company is reaching out to the hospital
• 10:26
  Speaker 2: or the doctor saying, can you give us records? Right,
• 10:29
  Speaker 2: and then they give them the records and then they
• 10:31
  Speaker 2: have to review the records. I've seen it take up
• 10:34
  Speaker 2: to eight months. The secretary is just incompetent. They don't
• 10:40
  Speaker 2: get back. And this is the physical process of they
• 10:44
  Speaker 2: have to facts or email paperwork. But in the doctor's
• 10:49
  Speaker 2: office they have thousands of paper like this is under
• 10:52
  Speaker 2: I've seen with my own eyes, So I understand, like,
• 10:54
  Speaker 2: all right, once this and it's going to take a
• 10:56
  Speaker 2: long time to get fully digitalized, but it's going to
• 10:59
  Speaker 2: get digitalized that at some point in time. So at
• 11:02
  Speaker 2: one point, at some point in time, all of these
• 11:05
  Speaker 2: medical records are going to be on the blockchain and
• 11:07
  Speaker 2: it's going to take a minute. It's going to say, Okay,
• 11:11
  Speaker 2: he had an EKG in February. I'm not I even
• 11:15
  Speaker 2: got to call nobody. It's going to be all in
• 11:17
  Speaker 2: the system. A database is the insurance company is gonna
• 11:19
  Speaker 2: have a system with all of the hospitals. They're gonna
• 11:22
  Speaker 2: put the code in and they're going to send it
• 11:24
  Speaker 2: and then they're gonna send it back. Little stuff like
• 11:26
  Speaker 2: that saves so much money, becomes more efficient, it's everything,
• 11:31
  Speaker 2: so it all ties in. So that's one of the
• 11:35
  Speaker 2: things that I just I even knew back then, like
• 11:37
  Speaker 2: this is going to change everything once they really can
• 11:39
  Speaker 2: get this done at a more efficient level.
• 11:42
  Speaker 3: As far as technology, and of course.
• 11:44
  Speaker 2: Robo advisors, I don't think robo advisors has taken off
• 11:46
  Speaker 2: the way that people have planned. Yeah, but who knows.
• 11:51
  Speaker 2: That might be something in the future. As well as
• 11:53
  Speaker 2: far as you know, people fully relying on AI to
• 11:59
  Speaker 2: be there financial advisor as opposed to a person I
• 12:03
  Speaker 2: don't like.
• 12:03
  Speaker 3: I said, it's not there yet. You still need a
• 12:05
  Speaker 3: human touch. But as they're.
• 12:08
  Speaker 2: Getting better with artificial intelligence, that might be something to
• 12:13
  Speaker 2: look out for for sure.
• 12:14
  Speaker 5: Is that one of those career paths where we look
• 12:16
  Speaker 5: at it fast forward to the future when we talk
• 12:19
  Speaker 5: about AI and general AI, at least some of those
• 12:24
  Speaker 5: career paths that you could see being ident to replaced,
• 12:27
  Speaker 5: right because the access to information is there even now,
• 12:30
  Speaker 5: Like a lot of people are getting access to the information.
• 12:34
  Speaker 5: Technology is going to streamline it as well. How much
• 12:37
  Speaker 5: of in the future you think the human touch is
• 12:39
  Speaker 5: going to be needed in that space.
• 12:41
  Speaker 3: I think it's still needed.
• 12:42
  Speaker 2: Even if you look at taxes right I mean, theoretically,
• 12:45
  Speaker 2: you can probably send all your information to AI right
• 12:48
  Speaker 2: now and AI could do your taxes. Me personally, I
• 12:53
  Speaker 2: would still want a human I still need to talk
• 12:58
  Speaker 2: to somebody, explain things to them, tell them like yo,
• 13:00
  Speaker 2: this is no, this was this, this was that. So,
• 13:04
  Speaker 2: But I do think that humans need to utilize AI.
• 13:09
  Speaker 2: So if you're a CPA, if you're a financial advisor,
• 13:12
  Speaker 2: you should be utilizing the technology as it's what everybody
• 13:15
  Speaker 2: keeps saying, like a lot of the things is not
• 13:17
  Speaker 2: necessarily going to totally replace somebody, but it will replace.
• 13:23
  Speaker 2: Like if you have an assistant, that might not be needed,
• 13:28
  Speaker 2: but that's actually could be beneficial to you because you
• 13:30
  Speaker 2: don't have to pay assistant anymore.
• 13:32
  Speaker 3: So thank the loryer from a financial standpoint to help you.
• 13:37
  Speaker 2: So, like I don't feel like it's I think it's
• 13:40
  Speaker 2: it's especially for wealthy people. I think the wealthy people.
• 13:44
  Speaker 2: If you got you got one hundred million dollars you still.
• 13:47
  Speaker 4: You're not hitting GPT five. My doubt manage the family office.
• 13:52
  Speaker 2: I'm sorry for like a lawyer, right, Like, yeah, if
• 13:55
  Speaker 2: you got a public defender, you might just want to
• 13:57
  Speaker 2: take your chances with a robot at that point. But
• 14:02
  Speaker 2: you got one hundred million, you still might. Now the
• 14:05
  Speaker 2: lawyers need to be working with AI to make sure
• 14:08
  Speaker 2: that they get.
• 14:09
  Speaker 3: All of the data collective.
• 14:11
  Speaker 2: But I still think that that personal, that personal interaction needed.
• 14:16
  Speaker 2: But like I said, you should definitely be working with
• 14:18
  Speaker 2: somebody because you know, I got audited before. And that's
• 14:21
  Speaker 2: because years ago I tried to do my own taxes.
• 14:24
  Speaker 2: This is like probably seventeen years ago, I did Turbo tax.
• 14:27
  Speaker 2: So I learned the valuable lesson trying to save money.
• 14:29
  Speaker 2: You end up, you know, going, you end up costing
• 14:31
  Speaker 2: more money. So I never I never used TurboTax of again,
• 14:35
  Speaker 2: shot of Turbo had nothing against them. But you want
• 14:40
  Speaker 2: to use a professional. That's my whole thing in life.
• 14:42
  Speaker 2: Like if I want to put a painting up, I'm
• 14:46
  Speaker 2: not qualified to put a painting up, right, You might
• 14:49
  Speaker 2: think you are until it's crook it and then you
• 14:51
  Speaker 2: drilled the hole in the wall. Now you got to
• 14:53
  Speaker 2: drill another hole in the wall, and you think, what's
• 14:55
  Speaker 2: the big what's the worst that could happen. It's just
• 14:57
  Speaker 2: a painting until.
• 14:58
  Speaker 3: You take your drawAll to your dall. That's a fact
• 15:03
  Speaker 3: that that's a change order.
• 15:07
  Speaker 2: I'm a big proponent and paying.
• 15:12
  Speaker 3: Professional to services. I have no problem with doing that.
• 15:19
  Speaker 2: But yeah, shouts everybody out there that's an entrepreneur, make
• 15:22
  Speaker 2: sure that you know you're making them mostly your situation
• 15:26
  Speaker 2: because the government's gonna get their money, but they're always
• 15:30
  Speaker 2: to limit. They're always to limit the amount of money
• 15:33
  Speaker 2: that you're paying legally, legally, keep working.
• 15:40
  Speaker 4: But oh no, as far as a debate too, I
• 15:45
  Speaker 4: think it's gonna be a battle between the subpart and supreme.
• 15:49
  Speaker 4: Those who are supreme at doing their job. There'll always
• 15:52
  Speaker 4: be space for you. But if you're subpar, even since
• 15:56
  Speaker 4: GPT came out, like I've talked about this before, man,
• 15:59
  Speaker 4: like I've been able to replace at least eight people,
• 16:03
  Speaker 4: and then I don't have the complaints about the retired
• 16:05
  Speaker 4: or have too much down Julio the night before great
• 16:08
  Speaker 4: good old d GBT and mid Jardey gonna be right there.
• 16:14
  Speaker 3: Thank you, Don Julio.
• 16:16
  Speaker 2: This is a message brought to you by education finally
• 16:20
  Speaker 2: ftally important and that you don't you don't you're never
• 16:23
  Speaker 2: You're never gonna learn that in school.
• 16:25
  Speaker 3: So that's, you know, one of these things you gotta
• 16:27
  Speaker 3: learn on your own.
• 16:27
  Speaker 5: Right.
• 16:27
  Speaker 3: They're not gonna teach you retirement planning in school.
• 16:30
  Speaker 2: So it's like it's one thing to become a business owner,
• 16:33
  Speaker 2: they're not gonna teach you that, But it's another thing.
• 16:36
  Speaker 2: How do you maintain your wealth? How do you maintain it?
• 16:39
  Speaker 2: How do you save it? How do you grow it harder?
• 16:41
  Speaker 2: The part these are all things that you gotta Even
• 16:44
  Speaker 2: shock I heard he was saying, like, you know, I
• 16:45
  Speaker 2: picked up a gym from him, and he was like,
• 16:47
  Speaker 2: I'm not just gonna pay my mom. I put on payroll.
• 16:52
  Speaker 2: If I'm gonna give you, If I'm gonna give my
• 16:53
  Speaker 2: mom money anyway, why not just give her a job?
• 16:56
  Speaker 3: Right, And there's plenty of job that you can give
• 16:58
  Speaker 3: your mom.
• 17:00
  Speaker 2: But so many people like we just see rappers and
• 17:03
  Speaker 2: it's not therefore they're uneducated.
• 17:05
  Speaker 3: Like you see you ever see these videos with rappers.
• 17:07
  Speaker 2: Give that like their mom like fifty thousand dollars in
• 17:09
  Speaker 2: cash or ten thousand dollars in cash for their birthday
• 17:13
  Speaker 2: or even the girl they do all the top they
• 17:15
  Speaker 2: do it. I see like girls on Instagram they get
• 17:17
  Speaker 2: like they get like money, like this amount of money
• 17:19
  Speaker 2: in like a burking bag and it's like happy birthday, babe.
• 17:22
  Speaker 2: I'm like, if I'm gonna give you the money, if
• 17:25
  Speaker 2: we're talking every day, why don't.
• 17:26
  Speaker 3: You be a consultant for me? Right for real? Why
• 17:30
  Speaker 3: don't you be on payroll?
• 17:32
  Speaker 2: And now you'll help me because the money that I'm
• 17:35
  Speaker 2: paying you is tax deductible. But I also help you
• 17:38
  Speaker 2: as well, because yeah, you do have to pay money
• 17:40
  Speaker 2: on the taxes, but at least you can have some
• 17:42
  Speaker 2: income that you can show when you need to buy
• 17:44
  Speaker 2: a car, when you need to buy a home right now,
• 17:47
  Speaker 2: as opposed to you just having no money to show
• 17:49
  Speaker 2: at all. Now, at the very least, if we're in
• 17:52
  Speaker 2: a relationship and I am going to give you money,
• 17:55
  Speaker 2: well why not, let's let's do it that way as
• 17:58
  Speaker 2: opposed to it looks good on Instagram. But that's that's
• 18:03
  Speaker 2: the Issuefty thousand is not something I'm ever going to
• 18:06
  Speaker 2: get it back.
• 18:07
  Speaker 5: You just brought up a great point inside of and
• 18:09
  Speaker 5: I know that's something we had conversations about in the
• 18:11
  Speaker 5: past where it was like, yeah, as an entrepreneur, I
• 18:13
  Speaker 5: can write things off. I can write things off. But
• 18:16
  Speaker 5: as you're doing that, you're also bringing it down your
• 18:18
  Speaker 5: income level. Right, So if you wrote everything off and
• 18:20
  Speaker 5: now you have twenty thousand that you said that you've
• 18:22
  Speaker 5: made this year, well yeah, you.
• 18:24
  Speaker 3: Try to go buy that house, to go buy something.
• 18:27
  Speaker 5: You know you only made twenty thousand, right, Yeah, And
• 18:29
  Speaker 5: so you gotta be you got to be mindful of
• 18:31
  Speaker 5: jesusision that you make tellers if.
• 18:33
  Speaker 3: They ever hit you. But I feel like love let
• 18:36
  Speaker 3: her go.
• 18:37
  Speaker 1: But I heard them on market Monday say you should
• 18:39
  Speaker 1: put me on salary.
• 18:41
  Speaker 4: Girl backing them back soon as a part of our
• 18:44
  Speaker 4: social media job.
• 18:45
  Speaker 3: Also, motherfucker.
• 18:51
  Speaker 2: Going back to the education process though, Like you know
• 18:54
  Speaker 2: what I'm saying, Like you got a vat if you
• 18:57
  Speaker 2: we talked about women following men, right, Well, if you're
• 19:01
  Speaker 2: not a leader, you can't be followed. So if you
• 19:05
  Speaker 2: want to be following, if you want to be a leader,
• 19:07
  Speaker 2: it's up to you to be an educator as well.
• 19:10
  Speaker 3: Right, Like, let me sit down an educate you. I'm
• 19:12
  Speaker 3: gonna educate you on why signing is w nine is
• 19:15
  Speaker 3: important and it's NDA w India together w nd A play.
• 19:24
  Speaker 4: Sign both know what where we are?
• 19:27
  Speaker 5: We at dinner as we're saying this, like just like
• 19:30
  Speaker 5: big facts, like I want to make sure in the
• 19:35
  Speaker 5: future that even if I'm not here, you're good.
• 19:41
  Speaker 3: I'm joking, but it's real, it's real.
• 19:43
  Speaker 5: I'm just saying, at what point maybe this is like
• 19:45
  Speaker 5: a black but like, at what point do we say, like.
• 19:47
  Speaker 3: Yo, you know, just want to talk about this paperworker.
• 19:50
  Speaker 2: It's not paperwork like you like he said, like, I mean,
• 19:54
  Speaker 2: it is secure, it's financial security. It is it is
• 19:58
  Speaker 2: you getting put on payroll. Who wouldn't want to be
• 20:00
  Speaker 2: put on payroll?
• 20:01
  Speaker 3: Facts? Half these dudes ain't even paying for they nailed.
• 20:04
  Speaker 3: But the girls nailed.
• 20:06
  Speaker 4: Fact, that's tricky, like with real jail looking crazy on
• 20:10
  Speaker 4: their fingers, y'all.
• 20:11
  Speaker 5: They just they just throwing the bread right like you said,
• 20:13
  Speaker 5: like I'm putting fifty thousand dollars in the bag and
• 20:14
  Speaker 5: it's like.
• 20:15
  Speaker 3: Well, it's not tricking if you got it.
• 20:16
  Speaker 4: And half the time they're taking the money back after
• 20:18
  Speaker 4: the cattle go off.
• 20:20
  Speaker 3: That's true too, that's true too, your love. And when
• 20:24
  Speaker 3: you see that paper inside the car. Don't ask no questions. Yeah,
• 20:28
  Speaker 3: just sign bring the food out DRGs. What's that the check?
• 20:33
  Speaker 2: Now?
• 20:34
  Speaker 3: No?
• 20:34
  Speaker 1: No, Now you see that sticker that says signed here.
• 20:36
  Speaker 3: The NDA the NBA play both both.
• 20:39
  Speaker 4: That's the seat throw on me and more both got.
• 20:41
  Speaker 3: All right, both on them. That's some free game for y'all.
• 20:45
  Speaker 3: Y'all do what y'all want with it.
• 20:46
  Speaker 6: An illegal alien from Guatemala charged with raping a child
• 20:49
  Speaker 6: in Massachusetts. An MS thirteen gang member from El Salvador
• 20:54
  Speaker 6: accused of murdering a Texas man of Venezuelan charged with
• 20:58
  Speaker 6: filming and selling child prono in Michigan. These are just
• 21:02
  Speaker 6: some of the heinous migrant criminals caught because of President
• 21:06
  Speaker 6: Donald J. Trump's leadership. I'm Christy Noman, the United States
• 21:09
  Speaker 6: Secretary of Homeland Security. Under President Trump, attempted illegal border
• 21:14
  Speaker 6: crossings are at the lowest levels ever recorded, and over
• 21:18
  Speaker 6: one hundred thousand illegal aliens have been arrested. If you
• 21:21
  Speaker 6: are here illegally, your next you will be fine nearly
• 21:25
  Speaker 6: one thousand dollars a day, imprisoned and deported, you will
• 21:29
  Speaker 6: never return. But if you register using our CBP home
• 21:33
  Speaker 6: app and leave now, you could be allowed to return legally,
• 21:36
  Speaker 6: do what's right. Leave now. Under President Trump, America's laws,
• 21:41
  Speaker 6: border and families will be protected.
• 21:44
  Speaker 3: Sponsored by the United States Department of Homeland Security,