Credit Card Debt

time for Medal of Honor Monday. Every time somebody has ever earned a medal of honor in this country, they write up a citation for them. Those citations are available for everyone for free, not just one multiple Internet sites. Multiple sites on the Internet will tell you, hey, uh this guy. You can sort it by conflict, by branch, Marines, Navy, Army. It is amazing the database of heroes that is out

there that's available for free for you in me. Now, this is a story that if you've watched the movie We Were Soldiers, or if you read the book We Were Soldiers Once and Young that's the name of the book. You're aware of this. In case you are not aware of Ed W. Freeman, or at least aware of the bravery of it. Let me explain something about helicopters in Vietnam.

Vietnam brought about a brand new kind of warfare. Yes, we use helicopters in Korea, by the way, but Vietnam was the one where they were really central to the war. And the idea was simple, take the men, take the equipment you need, fly a fleet of helicopters into where you're going, drop them off, and then when you need to bring them out, or when they're wounded you need to evacuate, or the men you brought in need ammo or food or water, you send the helos back in.

This is kind of one of those things we're at the stage now, especially we recently had that thing in Venezuela, helicopters flying through Caracas, and now it's just kind of old hat for us. Well, yeah, he thos do this, he loos do that, but this was relatively new in Vietnam, at least using them at that scale was brand new. But there's something you always need to keep in mind. An AK forty seven. Have you ever looked at an

AK forty seven? Round the round it shoots, It's a seven point six y two round, But don't worry about that number. If you don't know guns or whatnot, don't worry about that. But I would encourage you, if you're not driving right now, to look up a seven point six y two round. The viet Cong and the North Vietnamese Army they shot AK forty seven mainly, but they also had bigger weapons, anti anti aircraft weapons, all kinds of things like that. So that AK forty seven round

you're looking at, that's as small as they got. Do you have any idea how much damage one of those rounds does to the human body if it hits you, you don't even want to know. It doesn't have to be in your heart. If you take an AK forty seven round to the bone somewhere your forearm, that bone

is destroyed, shattered. If you had if you had on a flackjack, a bulletproof vest, and let's say the bulletproof vest actually stopped the AK forty seven round from killing you and it hit you anywhere in the abdomen, did you know you will most likely have broken ribs. That's how heavy and hard that round hits. And I want to stress that that is the smallest round that was

shot by the Vietnamese army at the time. The helicopters, the helicopter pilots, the helicopter crewmen were some of the most insanely brave human beings in Vietnam because the enemy wasn't stupid. The enemy was very, very crafty, and it took him about half a second to figure out what our war plan was. It took him half a second to figure out those helicopters that's their lifeline. That's bringing in troops and food and AMMO, and it's bringing out

the wounded. We don't have to kill the masses of men on the ground first, kill the heloes and everyone dies. They knew it. And so when I read this, keep in mind we're not talking about bulletproof helicopters here. We're talking about helicopters with rounds going through them like a blow torchs through butter. So out of Nearly Mississippi born in nineteen twenty seven, Nearly Mississippi. Here's the Medal of Honor citation for an ed W Freeman Hey honoring those

who went above and beyond. It's Medal of Honor Monday for conspicuous gallantry and intrepidity at the risk of his life above and beyond the call of duty. Captain ED W. Freeman, United States Army distinguished himself by numerous acts of conspicuous gallantry and extraordinary intrepidity of the fourteenth of November nineteen sixty five, while serving with Company A two hundred and twenty ninth Assault Helicopter Battalion, First Cavalry Division. Pause for

a moment on the citation. This is as I said, It's the story of we were soldiers. But if you don't know, just know that we flew in a fairly large Army unit. This Army unit landed at the base of a jungled mountain. But in that jungled mountain were several times more North Vietnamese than the Army unit that landed. The Army unit that landed far from home, and they

have nobody but the helicopters. Back to the citation. As a flight leader and second in command of a sixteen helicopter lift unit, he supported a heavily engaged American Infantry Battalion at landing Zone x Ray in the Idrang Valley, Republic of Vietnam. Their infantry unit was almost out of ammunition after taking some of the heaviest casualties of the war fighting off relentless attack from a highly motivated, heavily

armed enemy force. When the infantry commander closed the helicopter landing zone due to intense direct enemy fire, Captain Freeman risked his own life by flying his unarmed helicopter through a gauntlet of enemy fire time after time, delivering critically needed ammunition, water, and medical supplies to the besieged battalion.

His flights had a direct impact on the battle's outcome by providing the engaged units with timely supplies of ammunition critical to their survival, without which they almost would surely

have experienced a much greater loss of life. After medical evacuation helicopters refused to fly into the area due to intense enemy fire, Captain Freeman flew fourteen separate rescue missions, providing life saving evacuation of an estimated thirty seriously wounded soldiers, some of whom would not have survived had he not acted.

All flights were made into a small emergency landing zone within one hundred to two hundred meters of the defensive perimeter, where heavily committed units were perilously holding off the attacking elements. Captain Freeman's selfless acts of great valor, extraordinary perseverance, and intrepidity were far above and beyond the call of duty or mission, and yet set a superb example of leadership

and courage for all his peers. Captain Freeman's extraordinary heroism and devotion to duty or in keeping with the highest traditions of military service, and reflect great credit upon himself his unit in the United States Army. And I will simply cap this little story with this. I've read more Vietnam books than I can possibly count of different units, Army units, marine units, MACVIE SAG units, long long long

distance reconnaissance units. That helicopter sound for those guys when they were besieged behind enemy lines, when they were surrounded, that helicopter sound was the greatest of their lives, and vice versa. Because these stories are out there, there are plenty of them. Every helicopter pilot was it ed w Freeman. Helicopters that got close and then simply took off because the danger was too great to hear the emotions of the guys on the ground As the helo leaves. You

want to cry into the book you're reading. They feel like, well, that's it. I'm gonna die now. That was my one lifeline, my one chance to get myself out. My buddy, he's gutshot, he's bleeding out. I need him on it. That was his one chance. That helicopter is gone. They were not all ed W. Freeman, but there were many, many, many insanely brave helicopter pilots in Vietnam. If you have one in your family, maybe you don't really he wasn't a

Green Beret. Maybe you don't realize the things that guy did. May I simply suggest ask him about his time in Vietnam. Maybe it's been long enough that he will feel comfortable talking about it. You might have a genuine American hero in your family, and we don't. We don't have much longer with our Vietnam vets. They're getting old, all right, all right? Clinton wore it is the Jesse Kelly Show on a wonderful Monday. I know, I said we're going

to talk about caps on credit card debt. You're gonna have to pull it off on that for a second, because I have a guilty conscience and I just want to let you know what a terrible failure I am from time to time. So here's what happened. Maybe this will maybe this will be inspiring to you to not be like me. But here's what happened. I've told you. I know it's lame. I know it's lame. Don't make fun of me that I'm trying to make twenty twenty six the healthiest year of my life. Why are you

already laughing, Chris? How do you think this makes me feel? It's not gay? What Chris? It is not? Anyway, We're gonna ignore Chris. I'm gonna try to make it the healthiest year of my life. And so little steps. Okay, I'm not off. I'm not eating lettuce all day. Little steps. I have joked before about fasting for two hours or three hours, but on occasion, I do fast on Mondays. I'll eat dinner on Sunday and my next meal will be dinner on Monday. I can't sit and tell you

about the science of it because I don't know. I know that fitness guys I talk to and I'm friends with, tell me it's great to reset your body. It's great for your blood sugar, it's great to burn up fat that I just keep hearing. It's great. So it's not all the time. I'm not a monk. It's one day a week. Today, I wake up messing around with Ob in the house, and I tell you know, I think I'm gonna fast today until dinner. Bob has this dinner plan.

She's making this garlic chicken pasta, heavenly stuff. I say, you know, I think I'm gonna fast until dinner. Well, I have to go get my hair cut. I go get my haircut before work. Shut up, Chris. You know there's more to it than you think. I have to go get my hair cut before work. Get my hair cut. I'm on the way to work. There's an in and out burger on the way to work. No, Chris, listen,

let me finish the story. I decide, you know what, No, if you're gonna break your fast early because I was really hungry, at least, don't let it be in an out burger, don't go don't go all in. All right, don't go all in. So I'm proud of this. I drove right by the in and out burger. But then temptations sometimes is too much. Sometimes if you're not strong enough temptation can bring you down. I pass in an outburger. But what's coming up in the distance on the way

to work a Torchies Tacos. I don't expect you to know what Torchies tacos is. If you're in Texas, you definitely know what it is. If you're not, just know that they have things like fried chicken tacos that have queso poured in them. Okay, it's just amazing. There's a Torchies Tacos coming up, and I break. I decide I'm going into Torchies Tacos. But but I'm not going to go all in. My normal all in order at Torchies Tacos is two of those fried chicken tacos with queso

in them. Then I get chips and kso, and then I get a Mexican coke to wash it down with. That's my normal go to order at Torchies. But I'm fasting and I'm having a healthier twenty twenty six, so not today. On the way to Torchies. Once I make the commitment that I'm going, I decide, you know what, I'm getting one taco instead of two today. I'll get my chips and kso. But I'll get one taco, chips and kso in a water, just gonna get a water, gonna hydrate with all of it. That's why are you

rubbing your head, Chris. That's half of what I normally do. But then by the time I pulled in, I was really hungry, and I decided that one taco probably wasn't gonna be enough. So I know, Chris, the flesh is weak. I walk into Torchies Tacos and I go up and I'm ordering, and I got the two tacos, and I got the keso, and then they had the cokes in one of those clear fridges right what, Chris, right behind the catch register. They had the clear cokes right there

behind the catch register. And I got a Mexican coke too. And it's not just that I got all the tacos and the caso and the coke. I hate every single bite and I drank every single drop of the coke. I wanted today to be a success. I want I really truly wanted it. I could, and you know what, I felt like it was gonna be. I felt like Today's gonna be my day. It wasn't. I failed, but tomorrow's a new day. We shall try again, maybe all fast again tomorrow. Chris, Hey, I didn't. Yeah, I did

skip breakfast. Let's be honest. I skipped the breakfast burning fat. Here was Trump talking about credit card debt.

it to you. You ready, hang on? It is the Jesse Kelly Show on a fantastic, wonderful, wonderful Monday. If you mess any part of the show, you can download the whole thing on iheard spotify iTunes. All right, it's time to offend some people. Here was Trump.

home bills, something like that. Find someone else, a local bank, you have a relationship someone who will loan you money at single digit interest rates. Don't freak out, I need a new transmission and put it on your VISA card. Don't do that. Thirty You never get out of thirty percent. That's mafia rates. I'm not defending the rates. I'm not defending credit card companies at all. But let's discuss how this works economically. I'm gonna put a cap on it

at all. Right, let's stick with Visa because that's a big one. Everyone will know Visa. I'm Visa. I'm gonna make up a bunch of numbers here, Okay, just to make it easier to understand, I'm Visa. I make one hundred million dollars a year. They obviously make a lot more than that. Again, I'm going to try to make it easy to understand I make one hundred million dollars

a year. That's what I make in Visa. Now, what do I give back to customers in order to incentivize them to get a Visa card because I don't want them to have a Master card. I don't want them to have an American Express card or a Discover card. I want them to have a visa card. Well, in order for them to get a visa card, or choose a Visa card over other cards, I have to present them with something. So what does every single credit card company do now, every one of them. You see it

all over the television set every day all day. What do they give you? They give you something back, maybe it's cash back. Maybe you have an airline credit card. I looked up one over the weekend, just kind of curious about them. United has all these United Visa cards where you could get a free first class ticket a year, or free access to the United Lounge, or free the free hotel upgrades. They're giving you giving the customer something back.

It's always small, but something back to incentivize you to choose them. Now, how do they give it back? Because we all know nobody gives anything. In order for the United Visa card to give me and my wife, I don't have one of these, but in order for United to give me and my wife free first class tickets every year, well they have to make money. But they don't make money on me because I got my first

credit card when I was fifteen. Yes, back in the day, you could get a credit card if your parents co signed at that age, because my parents wanted me to start building credit. And so I'm coming up on thirty years. Well, yeah, thirty years where they've never made a dime on me. I pay myne not for every month. So if they don't make money on me, how do they make money. They make money on all those buffoons who pay thirty percent interest because they don't pay off their credit card

every single month. Now pause for a moment. If this is you, I want you to understand something. I have known people in my life who buried themselves in credit card debt, and I've known people who have clawed their way out and never did it again. If it is you, if you've made these bad decisions, you can get out of it. Will take time, there are things, there are steps you can take, but I promise you can get out of it. Just because you did something done in

the past doesn't mean to have to continue. So keep that in mind. You can get out of it. Now back to what we were discussing, it's the people paying the thirty percent that allow the credit card companies to give anything back to anyone. So what happens if I'm Visa, I make one hundred million a year and now the all powerful federal government comes in and says you're not allowed to charge those interest rates. We can skip over a bunch of other steps, but let me explain to

you what's going to happen. Normal people with normal credit will no longer have access to credit cards, and or the interest will eventually go up because he said we're going to cap it. The first year Visa still has to make it's one hundred million dollars. You see, it's a for profit corporation. They're not going to change that. The federal government, any government putting in price controls, always, always, always, always, always burn this into your memory. A thousand percent of

the time. The price controls will hurt the poor. The price controls always hurt the people they're sold as trying to help. This is the well, they don't know any better. People don't know they work, they're paying thirty percent. You know what they're gonna know when they don't get a credit card at all. My credit scores over eight hundred it's not because I have money. It's because I pay off my bills every single month, and I always have for forty four years on this planet. No matter what,

I'm going to have a credit card. Credit card companies are going to compete for me. Credit card companies are going to offer me new and improve benefits because they want my business forever. But that person with a six fifty, maybe that's you, person with a six hundred. The credit card companies are gonna say, uh, I have to take it. I have to take a risk with you, and I only get to charge ten percent. Sorry, you don't get a credit card or they'll tell you this, Yeah, no, no, no,

we'll give you a credit card. Congratulations. One thousand dollars annual fee is what it's going to cost you to take our credit card. You know that credit card you get for free. Now you're ready to pay one thousand dollars for it next year. I understand the thinking in the Trump administration, and in fact, I actually want to applaud the motivation behind it. At least you're attempting to help working people. I like the idea of helping working people.

Price controls do not work. They have never worked. They will never work at all. And I hate credit card companies. Thirty percent is robbery. Don't pay them that either. Don't get a credit card, or if you get one, pay it off every single month. If you are buried in credit card debt, find a smart way. Go into your local bank. Don't call one of these ripoff phone numbers. Call go into a local bank. Say here's where I am. I'm maxed out here, maxed out there. What can you do?

You may find yourself with a six percent interest loan from your local bank, credit cards paid off, You eventually pay that off. You're free and clear and done. But don't pay thirty percent interest. And the solution for that is not the federal government putting a cap on it. It's only going to make the whole crappy industry even crappier somehow. And don't send me your freaking emails about you don't understand I got a frozen pizza for Christmas

one year. Don't tell me I don't understand what it's like. I know exactly what it's freaking like. I know exactly what it's like. Yeah, yeah, but I yeah, but I we're not changing a national policy that will wipe it out for three hundred million people. Because as you're Tranny Blue, I'm sorry, ridiculous, crazy, stupid, populous crap. Let's set that aside. Just go to port some more people and arrest FBI agents. We'll do some emails. Next is the Jesse Kelly Show

on a Fantastic Monday. You can email us Jesse at Jesse kellyshow dot com. Jesse. Since this idiot got herself shot by ice, this guy says, all I hear from the writer qualifiers, this is the tragedy. No one wants to see anyone killed, et cetera. Forget that she got exactly what she deserved, so on and so forth. Okay, that's that's your take on it. And I understand that we're sick and tired of the communist street animals. I get that. I well, I'll tell you something. I feel

bad for people in prison. We get you. Well, look I got this email, Jesse. I'm Mexican. I just got out of prison in ten years. But I read so much history and real history. I listened to you for years. I became a patriot of America. Yes, I was deported, but I understand I lost the privilege I had, and the best country in the world, so on and so forth.

I have a heart for people in prison. And you know why because I had two parents, not perfect, like no parents are perfect, but I had two wonderful parents. They taught me right and wrong. They taught me my dad. You know why I know about credit cards and credit card debt because my dad taught me well about finances and money. Everybody didn't have that. Why do I speak so harsh to you on the subject, Because sometimes I have to be America's daddy. I understand that. But lots

of people in prison they didn't have that. Come from broke and busted up homes, crappy families, no one to guide them, follow in with the wrong crowd, wrong to influence. And I know that makes me sound like a flowery lefty or something. It's not that I believe you should do your time. If you commit crimes, I's not no problem with that. And if you're one of these violent people, hurt women, murderers, just bury him under the prison. I don't care about that. But I have a heart for

people in prison because life is imperfect, extremely imperfect. That thirty seven year old woman is dead. She made all the wrong choices, and it's her fault. I'm not blaming I'm not blaming someone else. However, have you seen a picture of that woman, not the one they keep putting up in the media that make her look like a normal suburban housewife. I mean the real woman, the less doubt bug eyed freak that was there later on in life. Have you seen her, a real picture of her? Does

that woman seem like she's mentally stable? That is a human being who is probably already messed up inside anyway, and had I am sure, a variety of outside influences that made her mental illness so much worse. That is a woman who goes home at night and listens to stuff like this on TV.

place really quickly. It's already been going downhill. Do you not feel pity for the homeless, drugged out guy tweaking right by you on the sidewalk? I do. It was cold there. We're walking back. We've all went out and got a nice meal Christmas Eve night. We wanted to have a nice Christmas Eve meal, and we all went out and we were walking back to the hotel, just walking down the sidewalk, and there's some guy freezing cold. It was I think it was twenty degrees something like that.

It's cold, wind was blowing. Homeless guy laying on a piece of cardboard on the sidewalk with everything he owned wrapped up around him, cold, crazy, drugged out. Do you not have a heart for that person? I do. I can't fix him. I'm probably not even gonna give him a twenty because I know where it's going to go. But I have a heart for that guy. I don't want to see anybody killed. I don't want to see communist street animals killed. I want to see communist street

animals woken up. Remember that they're in a cult. They are in a cult, and they're deep in it. And it's hard to pull someone out of a cult. And you can tell because they're all still pushing this lie. Right, Yeah, she didn't drive it. They're pushing lie after lie after lie after lie after lie, and I mean, look, they get the lies from the news.

It's not that it would it's not that it would just kind of pour cold water all over their lives of this one story. It destroys their entire religion. They are in a religion, They are deep inside of a cult. We want them out of it. We don't want them killed. But hey, look, this is not blaming the ice officer. Somebody drives that you in a car, you're gonna die. The bad decisions lead to bad decisions, lead to bad decisions, and those bad decisions can eventually end up with you

getting killed. It's her fault. She got killed, her and her wife's fault. Drive, baby drive. That's what her lesbian wife was saying to her. And now she's dead. And I think that's insanely sad. Not just that she's dead. I think it's insanely sad that you can be that mentally broken, that broken, that shattered mentally, that you would find yourself even parked in front of an ice agent, let alone hammering on the gas with one inside, with one in front of you. That is freaking horrible. I

think it's tragic. I don't want anyone to die. I think it's tragic. I want them to wake up. She got herself killed, that's terrible. I still would rather she just woke up rather than die I'd rather you switch to peertalk too. By the way, I mentioned earlier in the show about how all this stuff is funded, organized and funded. Corporate America funds it too. Don't ever, ever, ever forget when police departments across the country were being

gutted and destroyed. They're still gutted to this day. It was Corporate America paying for the street animals to do it. Horizont T Mobile, they're the ones who did it. Are you still paying them for it? Pure Talk doesn't do that. Puretalk hires Americans. Pure Talk's CEO is a Vietnam veteran, and pure Talk will have you paying way less. We switched from T mobile. We're pocketing cash right and left

half Our bill got cut in half. If you join now, you save an additional fifty percent off your first month. Here's what you do. You pick up your cell phone, you dial pound two five zero and you say Jesse Kelly pound two five zero. Say Jesse Kelly, all right, we still have an hour. We'll beat inflation next