Keith and I talk about "red flag laws," natural rights, guns and (who I believe to be a pshy-op) Beto ... https://www.youtube.com/watch?v=-8O0vM3jXEo

Probity: noun [Latin probitas, from probo, to prove.] Confirmed integrity. Primarily, tried virtue or integrity, or approved actions; but in general, strict honesty; sincerity; veracity; integrity in principle, or strict conformity of actions to the laws of justice. probity of mind or principle is best evinced by probity of conduct in social dealings, particularly in adhering to strict integrity in the observance and performance of rights called imperfect, which public laws to not reach and cannot enforce. U'SURY, noun s as z. [Latin usura, from utor, to use.] 1. Formerly, interest; or a premium paid or stipulated to be paid for the use of money. [Usury formerly denoted any legal interest, but in this sense, the word is no longer in use.] 2. In present usage, illegal interest; a premium or compensation paid or stipulated to be paid for the use of money borrowed or retained, beyond the rate of interest established by law. 3. The practice of taking interest. Obsolete Why debt is destructive: 1. It encourages spending before you’ve invested properly enough to have a. Wisdom to accumulate b. Wisdom to know what is necessary 2. It discourages thrift/encourages you to spend more than you have. a. Not feeling the pain of taking $100 out of your pocket in the moment (separating the cost/ “cost” from the pleasure) leaves you more easily able to deny the expense from all the pleasure and … ah, I’ll buy this too. b. OH! And you’ll pay $105 for that sweater I paid $100 for c. Tomorrow is coming -and if you have 45 pair of pants and … undue focus on now w/o enough tomorrow. 3. It encourages entitlement 4. It is a horrible LONG-term plan a. You’re continually borrowing against your future b. Treadmill c. It makes financial goals harder to reach 5. It contributes to a corrupt system that is impoverishing us all at the profit of a few. 6. Too much debt and if you NEED to borrow -for a home … you’ll be too big of a risk 7. Stress and dis-ease –disease 8. Guts relationships How to get free 1. Spend less 2. Consolidate loans into lower interest loans 3. If you’re good for it, and you have any family/friends w/ money -ask to borrow theirs a. Yeah shame but you’ll get help and that relationship with loving rebuke and shame will tell you how debt really feels! 4. Don’t use credit cards a. Cash b. Debit 5. Budget 6. Find a way to earn more 7. Stop being a princess w/ all your needs -decide what you really need 8. Sell stuff you don’t need 9. Negotiate w/ cc company 10. Use the 80 cents/coupons -found cash (birthday gifts) to put down on debt -save 11. Debt settlement? Ug. LAST resort -your integrity matters. ... https://www.youtube.com/watch?v=fJO7F5gl7kE