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Study Hall: Manage Credit & Retirement Planning with Ash Cash · Earn Your Leisure

• 0:00
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 0:03
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 0:07
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 0:11
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 0:15
  Speaker 1: some of the heinous migrant criminals caught because of President
• 0:19
  Speaker 1: Donald J.
• 0:20
  Speaker 2: Trump's leadership.
• 0:21
  Speaker 1: I'm Christy nom the United States Secretary of Homeland Security.
• 0:25
  Speaker 1: Under President Trump, attempted illegal border crossings are at the
• 0:29
  Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal
• 0:33
  Speaker 1: aliens have been arrested. If you are here illegally, your
• 0:37
  Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,
• 0:41
  Speaker 1: and deported.
• 0:42
  Speaker 2: You will never return.
• 0:44
  Speaker 1: But if you register using our CBP home app and
• 0:47
  Speaker 1: leave now, you could be allowed to return legally.
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  Speaker 2: Do what's right. Leave now.
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  Speaker 1: Under President Trump, America's laws, border and families will be protected.
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  Speaker 3: Sponsored by the United States Department of Homeland Security earners.
• 1:07
  Speaker 4: Listen up. When people all around the world first started
• 1:10
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  Speaker 4: and how we can make sure this time really is different.
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• 2:32
  Speaker 6: Let's do it.
• 2:38
  Speaker 7: My graduates from my school being forced backdrop drop mic
• 2:44
  Speaker 7: drop backdrop drop.
• 2:56
  Speaker 8: We're gonna talk about some financial tips day people. Right,
• 3:00
  Speaker 8: We're going to try to give a few gyms that
• 3:02
  Speaker 8: people can use in a day to day life because
• 3:04
  Speaker 8: a lot of times, as you said, we don't know,
• 3:06
  Speaker 8: and it's an ongoing learning process.
• 3:08
  Speaker 6: Right.
• 3:08
  Speaker 8: So one of the things I want to talk about
• 3:10
  Speaker 8: is that we covered credit and the importance of credit.
• 3:12
  Speaker 8: And I know you have a credit company, right for sure.
• 3:15
  Speaker 8: But I got a question a DM where somebody says, like,
• 3:18
  Speaker 8: what's the best way to pay off your debt? Like,
• 3:21
  Speaker 8: I know some people have a process where they pay
• 3:23
  Speaker 8: off the higher interest credit cards first. Some people do
• 3:27
  Speaker 8: the lowest balances first, Like what's your philosophy on that?
• 3:30
  Speaker 6: Yeah?
• 3:30
  Speaker 9: So so I like, I like the lowest balanced philosophy,
• 3:35
  Speaker 9: and so I wrote a book called you know what
• 3:37
  Speaker 9: the fight goes? Twelve steps are paying your credit? Right,
• 3:40
  Speaker 9: and I talk about the snowballs is what it's called.
• 3:44
  Speaker 9: But the reason though, right, the reason why the philosophy
• 3:48
  Speaker 9: on taking your lowest balance and paying that all first
• 3:51
  Speaker 9: is important is.
• 3:53
  Speaker 6: Because you want some small wins, right.
• 3:55
  Speaker 9: It's the mindset I've seen people who try to say,
• 3:59
  Speaker 9: all right, you know what this credit card is charging me?
• 4:02
  Speaker 9: The highest interest rate, and so I'm gonna pay that
• 4:04
  Speaker 9: one first, and then they're paying the minimums and they're
• 4:07
  Speaker 9: trying to pay that off, and they wind up looking
• 4:10
  Speaker 9: at their credit card balances each month and it looks
• 4:13
  Speaker 9: like nothing is going anywhere. They get discouraged, and they
• 4:16
  Speaker 9: wind up doing something else because they don't see any
• 4:19
  Speaker 9: forward motion. The best way to pay down credit card
• 4:22
  Speaker 9: debt is it will always be to take all of
• 4:25
  Speaker 9: your credit card your credit cards, put them in order
• 4:28
  Speaker 9: from smallest to largest balance, make sure that you pay
• 4:32
  Speaker 9: off the minimums on all of the cards. But it's
• 4:35
  Speaker 9: gonna start with a budget. Right, You're gonna have to
• 4:38
  Speaker 9: budget a certain amount. You're gonna say, you know what,
• 4:41
  Speaker 9: I'm gonna budget four hundred dollars each month towards debt,
• 4:44
  Speaker 9: pay the minimums on all of the cards, and whatever's
• 4:46
  Speaker 9: left over from that four hundred dollars, you're gonna take
• 4:49
  Speaker 9: that money and you're gonna pay off the lowest amount completely.
• 4:52
  Speaker 6: Right. The following month, you do the same thing.
• 4:55
  Speaker 9: You take the lowest amount, you pay the minimums, and
• 4:57
  Speaker 9: then whatever's left over you snowball that amount to the
• 5:00
  Speaker 9: next one. You keep doing that until you get this
• 5:03
  Speaker 9: one account that's your biggest account, and now you take
• 5:06
  Speaker 9: that four hundred dollars and you tackle it. You keep
• 5:08
  Speaker 9: tackling and keep tackling it, and then eventually you'll realize
• 5:11
  Speaker 9: that you'll be debt free. That works because it motivates you. Right,
• 5:15
  Speaker 9: If you have a credit card that has two hundred
• 5:17
  Speaker 9: dollars on it and you're you went from having five
• 5:20
  Speaker 9: cards to four cards, you see like, oh wow, I
• 5:24
  Speaker 9: see the result.
• 5:25
  Speaker 6: I saw that.
• 5:26
  Speaker 9: I that if I stay focused, you know, I cut
• 5:28
  Speaker 9: down this one balance, then the next month, you know,
• 5:31
  Speaker 9: that card that has five hundred dollars, it takes you
• 5:34
  Speaker 9: two months to pay that off.
• 5:35
  Speaker 6: Then that's that.
• 5:36
  Speaker 9: Those are those small wins, and psychologically it gives you
• 5:38
  Speaker 9: the you know, the motivation to keep it.
• 5:41
  Speaker 10: At the same time, when you're chopping them down, you're
• 5:43
  Speaker 10: decreasing the utilization rate absolutely.
• 5:45
  Speaker 6: So we're trying to keep that under thirty hundred thirty.
• 5:47
  Speaker 9: Percent, and I think what people people love that thirty
• 5:51
  Speaker 9: percent number. But the fact of the matter too, is
• 5:54
  Speaker 9: that so your credit goes three hundred to eight fifty,
• 5:57
  Speaker 9: anything over seven twenty is excellent credit. Those who have
• 6:01
  Speaker 9: a seven twenty or above actually keep their utilization between
• 6:04
  Speaker 9: ten and fifteen percent, lower even lower, right, because the mindset,
• 6:08
  Speaker 9: or the way the Fyco algorithm works is that it
• 6:11
  Speaker 9: rewards people who don't seem as if they need credit.
• 6:15
  Speaker 9: So the more it looks like you need credit, the
• 6:19
  Speaker 9: more they'll lower your school That's.
• 6:20
  Speaker 8: A fact because actually, I just I haven't checked my
• 6:22
  Speaker 8: credit a long time. I just checked it and it
• 6:24
  Speaker 8: was a seven eighty and at fifteen percent futization ragual
• 6:29
  Speaker 8: exactly that same number in seven eighty.
• 6:31
  Speaker 10: So if you think about it, right, if I got
• 6:33
  Speaker 10: one hundred dollars card and I'm paying ninety dollars, right,
• 6:36
  Speaker 10: that seems affordable, right. But if I got a five
• 6:38
  Speaker 10: thousand dollars debt and I'm paying ninety, you don't feel
• 6:41
  Speaker 10: it exactly. You know what I'm saying. They gonna take
• 6:42
  Speaker 10: interest on that. Now you really only pay fifty dollars, right,
• 6:46
  Speaker 10: It doesn't feel the same.
• 6:47
  Speaker 6: But let me ask you this. Let me ask you this, though.
• 6:49
  Speaker 8: So Let's say you have ten credit cards, right, you
• 6:52
  Speaker 8: pay off all ten? Yeah, four, Now you only start
• 6:55
  Speaker 8: using one on a regular basis, You're not using the
• 6:57
  Speaker 8: other nine.
• 6:58
  Speaker 6: Does that hurt you? It doesn't, So, yes, and no. Right.
• 7:02
  Speaker 9: So what happens is this is that your utilization ratio
• 7:05
  Speaker 9: is an aggregate of all the cards that you have, right.
• 7:07
  Speaker 9: And so if you have you know, ten cards, you're
• 7:10
  Speaker 9: not using any other nine and you're only using the one,
• 7:14
  Speaker 9: it's gonna help you because that one card is a
• 7:17
  Speaker 9: small percentage of your total utilization. But what happens is
• 7:21
  Speaker 9: if you're not using the other nine cards and the
• 7:24
  Speaker 9: credit card companies realize that, you know what, this person's
• 7:27
  Speaker 9: not using the card, so I'm going to close this account.
• 7:30
  Speaker 9: Then as they close the account, that hurts you because
• 7:34
  Speaker 9: now fifteen percent of your score is based on your
• 7:36
  Speaker 9: length of credit history. And so one of those cards
• 7:39
  Speaker 9: might have been a card that you had for a
• 7:40
  Speaker 9: long time which was helping you score, and once that
• 7:43
  Speaker 9: card is closed, it negatively impacts you. Plus use, you
• 7:47
  Speaker 9: lose that utilization, right because now that credit limit is
• 7:50
  Speaker 9: no longer available, so that your utilization ratio is going
• 7:53
  Speaker 9: to go up once they close those cards, right, And
• 7:55
  Speaker 9: so it definitely is sort of like a gain, like
• 8:00
  Speaker 9: if you have that many credit cards. A lot of
• 8:03
  Speaker 9: times I like to say, if you want, like if
• 8:05
  Speaker 9: credit matters, right, if credit doesn't matter like, if you're
• 8:07
  Speaker 9: not gonna buy anything in a short term, then you know,
• 8:11
  Speaker 9: I wouldn't put stuff on your credit cards just to
• 8:13
  Speaker 9: keep this number up, right, But if credit matters, or
• 8:17
  Speaker 9: if you're gonna buy something or whatever the case may be,
• 8:19
  Speaker 9: and you need credit, I would say, you know, use
• 8:23
  Speaker 9: your credit some credit cards for things that you would
• 8:26
  Speaker 9: have paid cash for anyway.
• 8:27
  Speaker 6: Right.
• 8:27
  Speaker 9: And so if let's say, for instance, you use cash
• 8:30
  Speaker 9: to buy gas, right, use a credit card and that
• 8:33
  Speaker 9: money that you would have, you know, paid or that
• 8:35
  Speaker 9: money you would have used to buy the gas, pay
• 8:38
  Speaker 9: off the card with that.
• 8:40
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• 10:30
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 10:34
  Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador
• 10:38
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 10:42
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 10:46
  Speaker 1: some of the heinous migrant criminals caught because of President
• 10:50
  Speaker 1: Donald J.
• 10:50
  Speaker 2: Trump's leadership.
• 10:52
  Speaker 1: I'm Christine Nohm, the United States Secretary of Homeland Security.
• 10:55
  Speaker 1: Under President Trump, attempted illegal border crossings are at the
• 10:59
  Speaker 1: lower levels ever recorded, and over one hundred thousand illegal
• 11:03
  Speaker 1: aliens have been arrested. If you were here illegally your
• 11:07
  Speaker 1: next you will be fine nearly one thousand dollars a day.
• 11:11
  Speaker 2: Imprisoned and deported, you will never return. But if you
• 11:15
  Speaker 2: register using our.
• 11:16
  Speaker 1: CBP home app and leave now, you could be allowed.
• 11:19
  Speaker 2: To return legally. Do what's right. Leave now.
• 11:23
  Speaker 1: Under President Trump, America's laws, border and families will be.
• 11:27
  Speaker 3: Protected sponsored by the United States Department of Homeland Security.
• 11:30
  Speaker 9: For that way is at least some activity on it.
• 11:33
  Speaker 9: So the credit card companies don't close.
• 11:34
  Speaker 8: Let me ask you this. Also, let's say you get
• 11:36
  Speaker 8: because they got all kind of credit card. Now they
• 11:38
  Speaker 8: got cards for like medical purposes.
• 11:40
  Speaker 1: Right.
• 11:41
  Speaker 8: So let's say you have a low utilization rate, but
• 11:43
  Speaker 8: you get one card for a medical purpose and you
• 11:46
  Speaker 8: max that card out. Yep, but your other utilization is good,
• 11:49
  Speaker 8: but you max that one card out, that hurts you.
• 11:52
  Speaker 9: It doesn't because it's the aggregate, the right. And so
• 11:55
  Speaker 9: if you let's say you had ten cards with one
• 11:56
  Speaker 9: thousand dollars, right, and you max out one card of
• 11:59
  Speaker 9: one thousand dollars, your your utilization is still only ten percent, right,
• 12:02
  Speaker 9: because your total available limit is ten thousand when you
• 12:05
  Speaker 9: look at all of the cars.
• 12:06
  Speaker 6: And so that's what I was saying, where when it Yeah.
• 12:09
  Speaker 9: When you close it, it can hurt you because if now,
• 12:11
  Speaker 9: if you max at one thousand dollars and let's say
• 12:14
  Speaker 9: the non card say, you know what, he ain't using
• 12:17
  Speaker 9: these cars to let me close these out. Now, your
• 12:19
  Speaker 9: utilization go from ten percent to one hundred percent. And
• 12:21
  Speaker 9: that's gonna immediately.
• 12:23
  Speaker 6: You know.
• 12:24
  Speaker 10: That's a smart shress, you though, Right, if you have
• 12:26
  Speaker 10: ten cars, maybe you have ten different purposes.
• 12:28
  Speaker 6: So if it's a supermarket, or if.
• 12:30
  Speaker 10: It's gas, or if it's you know, electronics or something
• 12:33
  Speaker 10: like that, like you have a purpose for each one,
• 12:36
  Speaker 10: just like I'm randomly all right, that one's max.
• 12:38
  Speaker 6: Let me go to the next. What I'm saying, make a
• 12:40
  Speaker 6: purpose for each car?
• 12:41
  Speaker 9: Yeah, because because because credit card debt is the worst
• 12:43
  Speaker 9: type of debt that you could possibly have, right, Like
• 12:45
  Speaker 9: credit card debt, you're paying more than what it's worth.
• 12:49
  Speaker 6: So yeah, and.
• 12:50
  Speaker 9: Student loans, I mean, but even with student loans, you know,
• 12:53
  Speaker 9: you know, at least with student loans you get a degree,
• 12:58
  Speaker 9: you know you're able to like, you know, you know
• 13:00
  Speaker 9: what I'm saying, Like I'm not a you know, because
• 13:01
  Speaker 9: I didn't get a degree till later on in life.
• 13:03
  Speaker 6: So I'm you know, I could go either way with
• 13:05
  Speaker 6: student loans.
• 13:06
  Speaker 9: But credit cards are like is there's no reason why
• 13:10
  Speaker 9: you should be paying credit card debt?
• 13:11
  Speaker 6: You know what I'm saying.
• 13:12
  Speaker 8: All right, let's good information, very good information. So let's
• 13:15
  Speaker 8: go retirement plan. Yes, right, people ask another question I
• 13:18
  Speaker 8: got in the DM Okay, so four one k yeah,
• 13:23
  Speaker 8: Ira raw ira cantut with the four one K?
• 13:26
  Speaker 6: Why is it a good idea for people to put
• 13:27
  Speaker 6: money into a four months man? So the foll on
• 13:29
  Speaker 6: k is it's like free money. So so first of all,
• 13:31
  Speaker 6: is this right?
• 13:32
  Speaker 9: Is that when you think about your the money that
• 13:35
  Speaker 9: you pay to the I R s uh, when you
• 13:38
  Speaker 9: put money into a retirementcount, it lowers you, you know,
• 13:41
  Speaker 9: what you have to pay to them, because part of
• 13:44
  Speaker 9: that money is now tax is not tax deductible, right,
• 13:47
  Speaker 9: or you don't pay taxes on that money, right. And
• 13:49
  Speaker 9: so putting your money in a full one K allows
• 13:52
  Speaker 9: you to say, you know what, Uh, in the future,
• 13:55
  Speaker 9: I'll have this money to retire off, but I don't
• 13:59
  Speaker 9: have to pay ten on it right now.
• 14:01
  Speaker 6: Right.
• 14:02
  Speaker 9: But also a lot of employers will match your four
• 14:05
  Speaker 9: one K, so they might they might match you up
• 14:07
  Speaker 9: to four percent, which means that if or four percent
• 14:10
  Speaker 9: six percent. Four percent has been sort of like the
• 14:12
  Speaker 9: industry norm that I've heard. And so if a job
• 14:16
  Speaker 9: says if you they want to encourage you to say
• 14:19
  Speaker 9: for retirement, so they say, if you put it, whatever
• 14:21
  Speaker 9: you put in, we're gonna we're gonna match it up
• 14:23
  Speaker 9: to four percent, which means that four percent is free money.
• 14:27
  Speaker 9: And as long as you're invested, they might they might
• 14:29
  Speaker 9: have a stipulation, all right, you have to be with
• 14:31
  Speaker 9: our company five years or whatever the case may be.
• 14:34
  Speaker 9: You keep that money and so not investing in a
• 14:37
  Speaker 9: four one K, you're actually losing money, free money that
• 14:40
  Speaker 9: the employer would have given you. And so you know,
• 14:43
  Speaker 9: so that's one reason. But then when you think about
• 14:45
  Speaker 9: a retirement, just as a whole, social Security might not
• 14:49
  Speaker 9: be here for us, and so by the time you know,
• 14:52
  Speaker 9: we become of age and it's time to retire, there's
• 14:56
  Speaker 9: gonna be a certain number that you're gonna need each
• 14:59
  Speaker 9: month to live off of, and you're gonna want to
• 15:02
  Speaker 9: have an account that will be able to supply some
• 15:05
  Speaker 9: of that income so that you you don't have to
• 15:08
  Speaker 9: be sixty seventy working at Walmart.
• 15:10
  Speaker 10: So and in terms of people who come from the
• 15:13
  Speaker 10: education field, obviously, I mean I speak to teachers all
• 15:15
  Speaker 10: the time, and yes, they educate our children, but they
• 15:18
  Speaker 10: have no idea about finance. So we don't have a
• 15:20
  Speaker 10: four to one kid, we have a four H three B.
• 15:22
  Speaker 6: Yeah, same thing.
• 15:23
  Speaker 9: Same, same exact thing, right, Because the importance of that,
• 15:26
  Speaker 9: especially you know someone that works in the education field,
• 15:30
  Speaker 9: is that you want to make sure that you're not
• 15:32
  Speaker 9: going to be able to teach forever and then when
• 15:34
  Speaker 9: it's time for you to leave that you know that institution.
• 15:38
  Speaker 9: You want to be able to have money coming in.
• 15:40
  Speaker 9: You want to diversify your income, and so putting putting
• 15:44
  Speaker 9: that money out up front is going to allow it
• 15:46
  Speaker 9: to grow and if you find right So you know
• 15:50
  Speaker 9: a lot of people are like weary, you know, especially
• 15:52
  Speaker 9: when you think about the Bernie madeoffs and what happened
• 15:55
  Speaker 9: in the you know, the great recession two thousand and eight,
• 15:57
  Speaker 9: two thousand and nine, people are like leary of you know,
• 16:00
  Speaker 9: putting their money in the markets. But if you remove
• 16:03
  Speaker 9: that isolated incident out on average, you know, you know,
• 16:08
  Speaker 9: when you look at the stock market, markets are you know,
• 16:11
  Speaker 9: it's always positive, right, and so just kind of keep
• 16:14
  Speaker 9: an eye out on where your money's being invested. But
• 16:17
  Speaker 9: that money is also gonna it's not like the money
• 16:19
  Speaker 9: that you put in is that's not gonna stay at
• 16:21
  Speaker 9: the amount that you put in. You're actually gonna earn
• 16:24
  Speaker 9: interest on that and that money is going to grow
• 16:26
  Speaker 9: through compound interest. So that way, you know, what you
• 16:29
  Speaker 9: start off with is gonna give you a nice little cushion,
• 16:32
  Speaker 9: you know, for you when you retire.
• 16:33
  Speaker 6: And also the raw there's another great way, Yeah, I
• 16:36
  Speaker 6: love it.
• 16:37
  Speaker 8: That's the way where you you don't pay you don't
• 16:39
  Speaker 8: save money or taxes today.
• 16:40
  Speaker 6: But it's tax freelated.
• 16:41
  Speaker 9: On absolutely, And honestly I like that better, right, because
• 16:45
  Speaker 9: what happens is this, you know, tax deductible means that
• 16:50
  Speaker 9: you know, I can deduct this amount if I put
• 16:53
  Speaker 9: If I put ten thousand dollars, or let's say I
• 16:56
  Speaker 9: put five thousand dollars towards my retirement, uh, and I
• 16:59
  Speaker 9: made forty five thousand dollars, then I'm only I could
• 17:02
  Speaker 9: deduct that five thousand off my taxes. I'm paying forty
• 17:05
  Speaker 9: thousand taxes. But then now that five thousand that I put,
• 17:09
  Speaker 9: when it grows to one hundred thousand when I retire,
• 17:11
  Speaker 9: you know I now need to pay taxes as I
• 17:14
  Speaker 9: will withdraw that money, right and so and so it's
• 17:17
  Speaker 9: it's you know, it's tax deductible, but you pay taxes later.
• 17:20
  Speaker 9: And the the whole thought process is that when I
• 17:22
  Speaker 9: get older, I'll have lower a lower tax burden, and
• 17:25
  Speaker 9: so that so.
• 17:26
  Speaker 6: That that works that way.
• 17:27
  Speaker 9: But with the WROW, I love the ROT because it's
• 17:30
  Speaker 9: not tax deductible, but it's tax free distribution, right, which means,
• 17:34
  Speaker 9: all right, great, I put five thousand dollars into this
• 17:37
  Speaker 9: into this rough IRA. This year, I made forty five
• 17:41
  Speaker 9: thousand dollars, I'm gonna pay forty five thousand in taxes
• 17:43
  Speaker 9: right But now that five thousand, when it grows to
• 17:47
  Speaker 9: one hundred thousand, and I could withdraw a tax free,
• 17:50
  Speaker 9: I never have to owe the irs anything on that money,
• 17:53
  Speaker 9: on that on that growth of that money. It's you know,
• 17:56
  Speaker 9: I love that especially for young people. Maybe if you're
• 17:58
  Speaker 9: a little older, you know, it may not necessarily be
• 18:02
  Speaker 9: the right thing to do. But the reason why I
• 18:03
  Speaker 9: love it for young people is because you know, right now,
• 18:07
  Speaker 9: as as a young person who has more, you know,
• 18:10
  Speaker 9: more earning ability.
• 18:11
  Speaker 6: You could take you know, bigger risk.
• 18:13
  Speaker 9: And if you take that money that's in a raw
• 18:15
  Speaker 9: and you put it into something that is giving you
• 18:17
  Speaker 9: a great rate of return, all of that growth, you
• 18:20
  Speaker 9: don't have to pay taxes on.
• 18:23
  Speaker 6: Yes.
• 18:23
  Speaker 8: Yeah, somebody said one time, they said, if if you,
• 18:29
  Speaker 8: if you, if you were never told the information, you
• 18:31
  Speaker 8: can't be help responsible. If you were told the information
• 18:35
  Speaker 8: and just chose not to do anything with that's on you, absolutely,
• 18:38
  Speaker 8: So you can.
• 18:39
  Speaker 6: Never say you weren't told.
• 18:40
  Speaker 8: The information applications to your application to you were trying
• 18:44
  Speaker 8: to give you as much information as we can give you,
• 18:46
  Speaker 8: but ultimately you have to apply it.
• 18:50
  Speaker 7: My graduates from my school being forced bad drop Drop,
• 18:56
  Speaker 7: Mike Drop bad Drop.
• 19:00
  Speaker 1: An illegal alien from Guatemala charged with raping a child
• 19:13
  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
• 19:17
  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
• 19:21
  Speaker 1: filming and selling child pornography in Michigan. These are just
• 19:25
  Speaker 1: some of the heinous migrant criminals caught because of President
• 19:29
  Speaker 1: Donald J.
• 19:29
  Speaker 2: Trump's leadership. I'm Christy nom the.
• 19:32
  Speaker 1: United States Secretary of Homeland Security. Under President Trump, attempted
• 19:36
  Speaker 1: illegal border crossings are at the lowest levels ever recorded,
• 19:40
  Speaker 1: and over one hundred thousand illegal aliens have been arrested.
• 19:44
  Speaker 1: If you are here illegally, your next you will be
• 19:47
  Speaker 1: fined nearly one thousand dollars a day, imprisoned, and deported.
• 19:52
  Speaker 2: You will never return.
• 19:53
  Speaker 1: But if you register using our CBP home app and
• 19:56
  Speaker 1: leave now, you could be allowed to return legally.
• 20:00
  Speaker 2: What's right? Leave now?
• 20:02
  Speaker 1: Under President Trump, America's laws border and families will be protected.
• 20:07
  Speaker 3: Sponsored by the United States Department of Homeland Security,