CTP (S3EDecVidExclSpecial1) Remembering Reason For Christmas Season (Gifts YES, running up Debt NO)

Joseph M. Lenard

2 days ago

Transcript

00:00Ho, ho, horrible outside is the weather

00:07But seriously

00:10No, it is seriously cold out there

00:12The wind chill is like, oi, today

00:15Anyway, that's not what I hit record to talk to you about

00:20And this will be short

00:21It really will, because I'm actually needing to get out the door

00:26But I wanted to record this before I forgot

00:28So, ho, ho, ho, Merry Christmas

00:32TikTok influencer

00:37I don't know how influential she is or whatever

00:40And I'm seeing a video lag

00:42Hopefully this is working okay

00:44But a TikTok influencer is saying

00:47Don't go into debt buying gifts to give for Christmas

00:53It's not that serious

00:57Well, that latter part I got a really big problem with

01:02But we'll get back to it

01:03The first part

01:05Don't go into debt

01:07Oh, 100% spot on

01:11If you can pay cash for things

01:14Absolutely buy within your means

01:18Don't go hog wild

01:20Don't go overboard

01:22It is indeed not worth going into such debt

01:28That you will be paying off this Christmas

01:31Come Christmas 2026

01:34So, she got that part right

01:38I'll give her credit for that

01:40Right?

01:40It's important to say that

01:42But it's not that serious

01:46Well, in context of the first part

01:51It's not worth getting yourself into serious debt

01:56Right?

01:57The meaning of the season is Christ

02:01And the St. Nicholas gift-giving thing

02:05Is a, you know, right?

02:08Being Christian

02:09We want to give rather than take

02:13It's in the spirit of Christmas to give gifts

02:18I'm not poo-pooing the commercialism

02:21It has gotten over-commercialized

02:24But, you know what I mean

02:26Commercial aspect of it aside

02:28Yes

02:29Just don't go hog wild

02:34I lost my train of thought there

02:37If, indeed, you're charging things on your credit cards

02:44Make sure you track your purchases

02:47Know what you're buying

02:49For how much

02:50And what cards

02:52And try to buy within

02:56That you will be able to pay off

03:00Those credit cards

03:02In the first couple of months

03:05No later than spring

03:08So you're giving

03:10You're buying to give

03:11Within reasonable means

03:14Yes, the economy's picking up

03:17We're not in the golden age boom yet

03:20But the policies are in place

03:23That are getting us close

03:25All those trillions of dollars

03:27Of investments returning

03:29Will take time to build the factories

03:31Or expand the factories

03:33For those who are expanding here

03:35New jobs

03:37Job creation means

03:39Job competition

03:40Inflation means upward-bound wages

03:43Wages

03:44Wages, unlike Biden

03:45Will increase above the rate of inflation

03:50Down to 2.7%

03:52We need it closer to 2.2%

03:55The accepted average and norm

03:58Inflation never goes away

04:00Before it's news.com

04:01You can see that, right?

04:03Wages up

04:04And inflation down

04:07Prices down

04:09See that at before it's news.com

04:12Right?

04:12But at any rate

04:14It's going to take time

04:16Right?

04:16You're not going to get a raise

04:18Until spring-ish time

04:22Usually

04:22Those of us on fixed income

04:25Our COLA

04:26Our cost of living adjustments

04:28Aren't going to kick in

04:30Until checks in January

04:33Or February

04:35And they will make up for

04:37The amount of money

04:38We lost

04:39In COLA's

04:41Well below the rate of inflation

04:43During the Biden years

04:45But

04:46So

04:46You can spend a little extra

04:49Knowing

04:50Things are getting better

04:53Your income will go up

04:55It will go up

04:56Above the rate of inflation

04:58Most likely

04:59More jobs

05:00More job competition

05:01Upward

05:02Mobility of wages

05:06If you look for another job

05:09Or get a promotion

05:11Get a

05:11Maybe 10% bump

05:14You'll be doing okay

05:15You'll be able to pay off

05:16The credit cards

05:17In 1, 2, 3

05:20Max please

05:214 months

05:22Otherwise you're

05:23Paying ridiculous amounts

05:25Of interest

05:26On that

05:27Yes

05:28On those gifts

05:30On them

05:31Credit cards

05:31That's where I was going

05:32With that

05:33You know

05:35Credit card rates

05:36Powell on his way out

05:38Interest rates

05:39On their way down

05:40But it will take time

05:41For credit card rates

05:43To come down

05:44There

05:45In the 20%

05:47Plus range

05:49Unless if you've got

05:50A credit union card

05:52Maybe in the 15%

05:54That's still pretty

05:55High interest

05:56So pay them off

05:58As quickly

05:59As you can

06:01If you can

06:02Don't go over

06:04Into debt

06:05This holiday season

06:07Is the bottom line

06:08I already went longer

06:10Than I expected

06:11Thank you all

06:13Take care

06:13God bless

06:14Love you all

06:16Ho ho

06:17Horrible

06:18Cold outside

06:20Ho ho ho

06:21Merry Christmas

06:22And yes

06:23Check out

06:24Video exclusive

06:25It's die hard season

06:27Ho ho ho

06:28Now I got a machine gun

06:30Yes it's a Christmas movie

06:32See

06:33It's die hard season

06:35Again

06:35Video exclusive

06:36Take care

06:37God bless

06:38Love you all

06:39Merry Christmas

06:40Happy Hanukkah

06:42Happy New Year

06:44Happy

06:45Hope you have

06:45A good Thanksgiving

06:47Happy

06:47Delated Thanksgiving

06:49And whatnot

06:50It's not a sin

06:53To say

06:54Happy holidays

06:56All those holidays

06:58Together

06:59So if the clerk

07:02Says

07:02Happy holidays

07:03Rather than

07:04Merry Christmas

07:05It's actual

07:07Check out the episode

07:09E pluribus unum

07:11Actual

07:12U.S.

07:13Diversity

07:14And inclusion

07:15The melting pot

07:17Actually

07:18Inclusive

07:19In a good way

07:21Not the D.I.E.

07:23Leftist

07:24Wokest

07:24Idiot

07:25Check out that episode

07:28Separation

07:29And segregation

07:30D.I.E

07:32Diversity

07:32Inclusion

07:33Equity

07:34No

07:34It's really

07:35Separation

07:36And segregation

07:36But

07:37Happy holidays

07:38Is inclusive

07:40Not a sin

07:42Not

07:43Belittling

07:44Our Christianity

07:45Let's be

07:47Reasonable

07:48People

07:48This

07:49Holiday

07:50Season

07:51Shall we

07:52Please

07:53Please

07:54Take care

07:55I love you all

07:56God bless

07:57Joseph Leonard

07:59Stand up for

08:03Waterfly

08:04Cause God

08:06Shares His

08:07Message

08:07Every day

08:10And night

08:10Believes in

08:12Freedom

08:13And making

08:13His voice

08:14Heard

08:15Shed His

08:15Message

08:16Over all

08:17The Earth

08:17God

08:18Stores

08:19For all

08:20Heels

08:21Do

08:21Stand

08:23Strong

08:24And God

08:24Bless

08:27You

08:28Like

08:32And subscribe

08:33To

08:34Christitutionalist

08:35Politics

08:36Podcast

08:36And share

08:38Episodes

08:39We need

08:40Your help

08:41Thank you

08:42For having

08:42Tuned into

08:44Another

08:44Christitutionalist

08:46Podcast

08:47Show

08:47I really

08:49Appreciate

08:49That you

08:51Stopped

08:51By

08:51Again

08:52Please

08:53Like

08:54Share

08:54Subscribe

08:55We need

08:56You

08:56To help

08:57Spread

08:58The

08:59Christitutionalist

09:00Movement

09:00Thank you

09:01Again

09:02Take care

09:03God bless

09:04Love you all

CTP (S3EDecVidExclSpecial1) Remembering Reason For Christmas Season (Gifts YES, running up Debt NO)

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