Hour 3 of The Clay Travis & Buck Sexton Show dives into critical issues shaping America’s economy, culture, and politics. The hour opens with a candid discussion on financial literacy and mortgage realities, as Clay explains how most homeowners misunderstand amortization tables. For the first decade of a 30-year mortgage, nearly all payments go toward interest rather than principal, leaving many Americans unaware of how little equity they build early on. The hosts argue that schools fail to teach essential financial skills—such as understanding compound interest, credit card debt, and mortgage structures—leaving consumers vulnerable to predatory practices. This ties into their broader critique of systemic financial inequities and the need for transparency in lending.

The conversation then shifts to Trump’s economic agenda, highlighted by his speech at the Detroit Economic Club. Clay and Buck analyze Trump’s populist proposals, including a one-year cap on credit card interest rates at 10% and restrictions on institutional investors buying single-family homes. They debate the feasibility and impact of these measures, noting that while Trump’s plan may face legal hurdles, it resonates politically by addressing affordability concerns. Buck shares personal anecdotes about credit card companies’ predatory tactics, reinforcing why Trump’s stance on consumer protection is striking a chord with voters. The hosts also explore how housing shortages are exacerbated by illegal immigration and corporate ownership of residential properties, driving up prices and squeezing middle-class families.

From economics, the hour pivots to a landmark Supreme Court case on transgender athletes in women’s sports, featuring an interview with Jennifer Sey, founder of XXXY Athletics and former Levi’s executive. Sey, who spoke at a rally on the steps of the Supreme Court alongside Riley Gaines, calls the case a fight for reality and fairness, arguing that Title IX was designed to protect female athletes based on biological sex—not gender identity. She warns that allowing males to compete in women’s sports undermines decades of progress and discourages girls from participating. Sey predicts that even if the Court rules 6–3 in favor of states like West Virginia and Idaho, progressive states will double down on policies permitting biological males in female sports, framing the issue as a cultural battle that must be fought beyond the courtroom. Clay and Buck echo her concerns, blasting terms like “cisgender” and “trans girls” as linguistic fictions that normalize gender ideology at the expense of women’s rights.

The hour closes on a somber note with a tribute to Scott Adams, creator of Dilbert, who passed away after years of outspoken commentary on cultural and political issues. Clay honors Adams as a fearless voice who sacrificed financial security to speak truth, highlighting his late-life embrace of faith and commitment to challenging societal norms.

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