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Speaker 1: Welcome to another episode of the Chicks on the Right podcast,

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where we have friend and a sponsor of the show,

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Zach Abraham from Bulwart Capital Management, with us to talk

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about all things that are economic and financial related. And

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of course, this was the weekend that we just had

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where Snap benefits ended for forty two million freakin people.

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Oh my god, which is a whole thing that we

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need to get into. But now, word on the street

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is that a federal judge has told Trump and Trump

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is saying that he will comply that there needs to

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be at least partial funding of SNAP benefits from some

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emergency funds, which also makes me nervous because like, what

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if there's a huge disaster that happens and then all

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that money is gone because it's gone out to SNAP people.

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Speaker 2: That's a whole other thing.

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Speaker 1: But like, really, I think what we wanted to just

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ask you about today, Zach, is why are so many

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people on it? What have we done so wrong that

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this many people rely on taxpayer funded food?

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Speaker 3: Yeah? So, okay, I've actually spent a good deal amount

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or a good deal of time looking into this and

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researching at different times, and I am a believer that

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there should be a public safety net of sorts, right,

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absolutely to help out people, you know, help families, bridge gaps,

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all that kind of stuff. And how to do that

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is always going to be tricky because anytime you have

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a government program, you're going to have fraud of some kind. Right,

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it's part and parcel. But the way that we have

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structured the public safety nets in this country is deeply flawed.

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And it's been deeply flawed from the very beginning, for instance.

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And I hate how this metric gets politicized, but it's

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nonetheless the truth, and it should precipitate a lot of questions,

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and it doesn't because it gets identified as racist. But

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if you look at the Civil Rights Act of nineteen

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sixty three, which I'm married to a black woman, so

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I'm a big fan of the Civil Rights Act of

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nineteen sixty three, but there's very there's something really curious

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that really catches you off when you're looking at this data.

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Prior to the Civil Rights Act of nineteen sixty three,

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something like ninety three percent of homes black homes were

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two parent homes. It was actually a higher percentage than

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it was for whites at the time. You go to

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where we are now, and I think you're at about

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seven or eight percent of black homes are two parent homes. Yep, Okay, Now,

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is that all because of the Civil Rights Act of

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nineteen sixty three. No, But with the Civil Rights Act

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came the Great Society and all the other kind of

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stuff that came along better or later. And one of

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the things that if you look at the beginning of

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the welfare system, one of the things that certainly contributed

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how much, I don't know because we haven't been able

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to look into it because it's been deemed racist, but

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you got paid more if you were a single parent.

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And so what started happening is dad started leaving around

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the time of the month, the social workers would come check. Well,

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eventually Dad's quit coming back, right, And so you see

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a similar dynamic. Will I will never forget there was

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this time where my wife and I were in college

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and we were going through the grocery store like nine

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thirty at night, and you know how it is back then,

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like you've got like eighteen dollars and seventy three cents,

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that's how much you have to spend because you know

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exactly how much you know you're going through with your

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calculator on your phone, writing things down, all that kind

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of stuff, and you get we get up to the

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checkout and we see this woman that is like decked

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out and designer stuff top to bottom, like brand new Jay,

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you know, Michael Jordan's shoes on, and like the Juice

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Secretur outfit. She's got her kid there all decked out.

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And what caught our eye more importantly was her cart

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because it was stuffed, and we're just like, man, you know,

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it's like at that time, you're broke, you're call you know,

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finishing no college, you're newly married, and you're like, dude,

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that's living, right, Like that's living. And sure enough, man,

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she whips out her EBT card. We walk out behind her,

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getting in our beater cars. She's getting into her Lincoln Navigators.

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Speaker 2: Going to you know, a nice car. I've seen that, ye.

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Speaker 3: And so and so. Whenever you say things, I know

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that there are people and families out there that are

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in desperate need for those snap benefits. I also know

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that there are a ton of people that aren't. And

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I know that there are a ton of and I've

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seen it firsthand. I know of people and know them

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that literally don't get married because the benefits they get

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for being a single parent effectively afford them the ability

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to be at stay at home parent.

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Speaker 2: And the more kids you have, the more you get.

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Speaker 3: Right, right, So at the bottom of this, and we

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have to as a society like remove these things from

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Oh that's racist or that's mean or what. No, guys,

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of course we need a public safety net, but it

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should be more like a this is kind of corny,

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but like I say, it should be more like a

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public safety trampoline as opposed to public safety west Cement, right,

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because you get in this quote unquote safety net and

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it's like a roach motel. You don't get out.

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Speaker 2: Oh totally yeah, and there's no shame tone anymore. Like

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like that woman that was like buying that stuff in

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front of you and your wife. I mean, I would

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assume she had no shame. She's walking out to that

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nice car, she had her nice stuff on, she had

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her juicy couture. She didn't have any shame, She wasn't embarrassed.

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Speaker 3: She was like, it's a cheat it's a cheat code.

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Like like I said, literally, I have heard it described

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and I have been in the same room when people

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were describing this story. As that's how I that's how

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I can be a state o mom. It's great the

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state pays for me to be a state home.

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Speaker 2: Mom, right. And now it's like, but you look at

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kids like, say, you're in the public school system and

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kids that have to eat a peanut butter sandwich. I mean,

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I remember, like being in school kids that had to

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do that. My kid has actually had to do it

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because I've forgotten to give her lunch money before. But

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it's embarrassing, right, it used to be, or it should

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be that it's kind of embarrassing for the kid that

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has to eat the peanut butter sandwich, she doesn't have

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a lunch or there's you know what I mean, Because

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it used to be that that was a there was

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a stigma attached to it. Now I don't think that

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there's a stigma attached to it. Now, it's just like

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we're taking advantage of the system because we can suffer well.

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Speaker 1: And now there's this big you know, there's discussion about

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what really should be covered by SNAP because apparently you

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can get lobster tail, you can get caviar, you can

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get all this ridiculous stuff, and people are like, well,

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we want the folks that are on it to have dignity,

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and they should be able to choose whatever they get.

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But I kind of feel like I love the idea

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that I saw on Twitter where someone was like, you

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get a box of staples that you need to survive,

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because that's the point you're supposed to be getting fed

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to survive, not to like be living it up on

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the taxpayer goal.

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Speaker 2: Yeah, and also and not and not getting set that's

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going to make you sick in the long run. It's

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where we have to pay your health bills. Yeah.

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Speaker 3: Dignity, yeah right, Like, how about enough dignity, dignity not

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to lie so you take from the public kitty to

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give yourself a one up undeserved advantage over your neighbors dignity.

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I am so tired of people dig Okay, so has

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Why should I be paying for high fruit toast, corn syrup,

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fruit snacks and candies so your kid can develop diabetes?

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Speaker 2: Right? And you also have diet answer? Right?

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Speaker 3: Which is going to like that? It is so ridiculous

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once again. And here's the thing, people go, You're not compassionate,

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No nonsense. It is compassionate because every person you see

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doing that is taking money and food off the plate

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of somebody that actually needs it. Right, those EBT things

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should be confined to protein, dairy, and vegetables, period, full stop.

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If it's in a package, it doesn't apply unless maybe

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it's like top ramen or something like that. You know,

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foods that you can extrapolate out. But like when you

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see people, I mean, what in the world would you

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make that tree? Why would you be able to buy

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ice cream and Coca Cola with an EBT card? That

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is ludicrous.

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Speaker 2: Plus, I think of all the people, you know, food aside.

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You said, what was the number, mock You said forty

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four million, forty two million, forty two million. Yeah, okay,

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so forty two million people are doing this. Not all

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of them are doing it maliciously, right, I mean, let's

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just say that twenty million are doing it maliciously. Let's

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just say half. Right, they're they're cheating the system. Like

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I look at those people, the people that are, they're

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just not living up to their full potential. We're allowing

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them to do it and they're not living it. That

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to me is cruel. It's cruel when you allow people

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to do that kind of stuff because you're making it

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so easy. For them to just be lazy.

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Speaker 3: And I love the fact that you brought that up

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because it is it is so, it is such a neighbor.

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It is adjacent to the soft bigotry of low expectations, right,

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because what you're doing, anything you do that makes being

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on the bottom more comfortable is toxic. Right. There is

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a huge delta between treating somebody with dignity and assisting

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their failure. Right. There is a huge delta between that

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and when you pat when you make failure too comfortable,

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and you there should be a remember the movie, Oh

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about the bock Cinderella man, Remember remember that movie Cinderella,

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Remember when is so good? And remember when he has

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to go get public assistance and then man, I could

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get choked up talking about it, and then he goes

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back and pays pays it back, right, Like, there is

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an element that should involve, for lack of a better term,

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a little bit of embarrassment shame because because that yes,

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because that means that you don't want help. And as

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a man you shouldn't want help. As a grown woman

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you shouldn't want help, yes, And it should be a

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little bit of that hesitancy to accept that handout but

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more importantly, don't rob like necessity is the face that

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has launched a thousand successful careers, right Like necessity like

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getting tired of staring at these four walls and I've

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got to bust out. I got to make something of myself.

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But when you make it comfort, I just it is.

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Speaker 2: It's notifie terrible behavior. You get more of that behavior.

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Speaker 1: And that's why you've seen all the videos going around

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socials of people just being like, I need my EBT

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and you got to pay for it, and you know,

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the entitlement is like off the charts. And then add

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to that all the people who are saying I'm selling it.

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I'm selling my food stamps to get cash. I mean,

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it's such a racket at this point.

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Speaker 2: It's really interesting too, because those are the same people

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who would have participated in the No King's rally like

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a week prior. And you're like, wait a second, so

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now you want a king to like feed you. I

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don't get it.

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Speaker 3: Yeah, no, yeah, no Kings. Even that cracks me up.

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Speaker 2: Yeah, I mean, it's it's all pretty yep.

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Speaker 3: It literally is people living in their own little echo

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chambers that they've designed, and they just tell themselves what

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the truth is. And you're like, okay, so no Kings

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and you're protesting a guy that had the whole system

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weaponized against him and won the popular vote.

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Speaker 2: Right exactly.

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Speaker 3: So, so is this like a celebration approach?

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Speaker 2: The approach Zach like what we're saying, it's it's a lot.

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It reminds me a lot of how all of us

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view and we've talked about so many times on this show.

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We've talked about parenting, and it's how you want your

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kids to do well. You want them to fall down

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and get back up. You want them to I mean, granted,

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they're going to fall and they're going to fail and

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they're going to do things, but you don't want it

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to you don't want it to be too comfortable for them.

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And we're it's essentially the same thing with people on Snap.

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It's like, you don't want them to get too comfortable

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because if they do, they're gonna stay there.

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Speaker 3: You know, it's funny you bring that part of it

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up because I was thinking about it and it was

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one of those moments where I was sitting there going,

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you know, you need to be really honest with yourself.

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You need to be honest with yourself as a parent,

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and you need to look at your own life, you know, truthfully,

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the older I get, I don't know if it is

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possible to raise a kid that really actualizes and realizes

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their full potential if they grow up in an environment

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it's as comfortable as the one that my kids grow

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up in. Totally, yeah, I don't know that it's possible.

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And it's something that I've been asking myself lately. And

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I know that I look back at my own life

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and my own development in my own progress, and I

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had wonderful parents that loved me, and that was a

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key part of it, and we had a wonderful life

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growing up. Like it was an idyllic childhood life, but

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it was. It was a normal, like eighties childhood life, right.

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It wasn't rich or you know, anything like that good

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old days. Yeah, but if but being honest, man, if

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I look back on it, it was it was the

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things that I didn't yet. It was the nose, it

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was the hardships. It was totally That's what That's what

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propelled me, ye is failures. It was not wanting to

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be at the bottom. It was desperate to claw my

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way out. It was all of those things. And I

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think you know, and I well, like I said, I,

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I say that just as much I don't. My kids

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have a much easier existence than I did.

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Speaker 2: I think a lot of ours do. And it's and

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I look at these people who are getting, you know,

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these benefits that don't necessarily need their able body, people

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that can work, and it's we're doing them a disservice.

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We're doing all of us at disservice, obviously because we're

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paying for it, but we're doing them a diservice. It's

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it's like, it's such a lack of humanity to make them,

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to put them in that position, because it's like you're

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not living up to your full potential. It's not no,

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it's not cool.

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Speaker 3: No. And like you said too, it was one of

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the things that I was so passionate about about, even

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like the racism discussion generally speaking, right, which is the

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simple truths that we have a culture that we've just

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decided don't apply anymore and that we've thrown out. Right.

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For instance, if you see, like let's say you're a

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minority group and you hear two parties arguing for your vote.

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One party is telling you all of the things that

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are going against you, all of the reasons you can't

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succeed and why you're screwed. Right, and then the other

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party is telling you, no, no, you can't succeed. Look

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at this over here, what about this? What about like

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enemies tell you that you can't do it and give

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you all the reasons why you can't. Right, friends tell

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you can and show you how.

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Speaker 2: That's right, exactly, that's exactly right.

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Speaker 3: What I see over and over and over again, and

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we've talked about it, you know, it's I'm not hardly

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the first person to bring this up, but it truly

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is a culture of victimization, meaning if you're not subjugated

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to a lower area of life, if you are not losing,

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they don't have any use for.

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Speaker 2: You, right right. They definitely don't have control over you.

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Speaker 3: Yeah, right, they don't have control over you. And more importantly,

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that's where they want you totally, that's where they want you.

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Speaker 2: Yeah, that's exactly right.

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Speaker 1: They don't want you getting to have financial retirement planning

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discussions with well we're capital management for example, that's.

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Speaker 3: Right, they do. And they don't want you to develop

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like serious Major League World Series transition skills God.

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Speaker 2: Like Miriam, I know, I mean the best right world.

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Speaker 3: I feel like I'm feel like I'm shooting free throws

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with Michael Jordan here right, No, but go for transitions.

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Speaker 1: Tell people how they can listen to all of your

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pearls of wisdom and actually get financial retirement planning help.

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Speaker 3: Yeah, well all of my prosa wisdom. I think my

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wife would have a different way to categorize that. But

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so you can get us all the time. But Workcapitalmanagement

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dot com and Know Your Risk Podcast dot com. We

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do our daily show, the Daily Dots everything applicable and finance,

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investing and politics. I fit, well, it's been interjecting a

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lot lately, so that's that's been hot topic. But yeah,

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just google Know your Risk Podcast. But Work Capital Management

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not hard.

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Speaker 2: To find, all right, Thank you as Zach.

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Speaker 3: All right, ladies, thanks to Think all fun as always.

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Investment advisory services offered through Trek Financial loc and SEC

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Registered Investment advisor. The opinions expressed in this programmer for

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general informational purposes only, and are not intended to provide

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specific advice or recommendations for any individual or on any

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specific security. Any references to performance of security so it

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thought to be materially accurate, and actual performance may different.

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Investments involved risk and are not guaranteed. Past performance doesn't

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guarantee future results Trek twenty four to three zero eight