Fails to raise their test scores. More inclined to stay in governments hip pocket. Convinced that the government isnt the problem how much we are giving it is. So a collective media calls a double down on the spending that is yet to work. A were trust in repeating the same mistake only this time with pricier mistakes and desperately hoping for different results. You neednt be einstein to figure it on the right or the left. This is stupid. Just average american taxpayer whose gut says this has got to stop. We stop and step way back. Were going to get to the bottom of why america keeps coming up short, and it keeps coming back to trust. Weve decided to give this issue a whole show. Its not about a spending deficit or real estate deficit or market deficit or faith deficit. This my friends is about americas trust deficit. We begin with washingtons deficit. Taxpayers see a the love the money spent but what are they getting . More than half of americans mean more government means more problems. Steve moore says taxpayers are tired of washington spending good money after bad. Lizzie mcdonald says the coverage isnt getting the proper coverage, and right now the taxpayer trust is something both parties need to address. Steve first to you, how bad is this . Its really bad. I was thinking neil when you asked me to do the show how much washington has changed in the last 25 or 30 years ive been here, when i came to wshths the federal government was spending about a trillion dollars. Now next year it will be spending 4 trillion, and adjusted for inflation more than doubling of the cost of government. And you ask people do you think government is better today than 30 or 40 years ago, and people say hell no one other example if i may, neil, you mentioned schools. If you look at whats happened to per capita spending, per pupil spending in the schools versus the 1950s and 60s, were spending three times as much as we used to. The people were saying, wait a minute, throwing more money at the problems as a lot of liberals said, if we spent more money, people say youre crazy thats the source of the problem, its not going to solve the crisis. Neil what do you think liz . Steve is exactly right. Why the media doesnt cover it correctly. John tandy the great economist put out a great story. When the government spends money that is added to gdp. When the government doesnt spend money gdp is going to go down. You can see the vicious circle that is in there. We have severe crony capitalism. The Inspector General who oversees medicare said wait a second, medicare is not negotiating drug recents with manufacturers while medicaid is. Why . The slaw written there, you know what . You cant interfere with the negotiation between Drug Companies and the federal government. What is that about . Im not sure. Neil whats more alarming to me when you talk to kids of all political strifes political affiliation, blaming it on the parents or generation they have inherent distrust of washington and institutions and inherent distrust of any one authority to get anything done . They do thats unfortunate. Im a person that doesnt necessarily believe government is the answer to all of our problems, but there is a sort of minimum they think government sets. Gone beyond the minimum . I dont think so. There may be a dearth of ideas. Neil dont you think the dearth of ideas is go back to the same old idea. Neil i go back to a point when david was mayor of new york city and asked the state to increase taxes to put more cops on the street. It was during his administration you started to see a decline in crime here in new york city, and a lot of had is pegged to increase in taxation. And legislators neil the administrator is david dinkins, now he looks like winston churchill. Giuliani takes credit for it. Neil okay. If you point directly to the expenditure and the outcome i think you will succeed. Neil my big fear is were going to say more money or get a better idea how to spend that money better but its always going to be more, more, more thats what worries me. Yeah, i think the problem with the analysis if we only have more government. The problem is this neil. The problem has gone the away from the Core Functions its supposed to do. Supposed to educate our kids supposed to build good roads and highways. Supposed to defend us not to be what happened in benghazi. The reason the government is failing and the fundamental things its supposed to be doing is because its doing too much. A good example of this with young people because these polls show young people are the ones who lost more confidence in government. When i talk to my kids who are completely nonideological they dont get how the federal government cant run a website for the health care system. Heres the thing why raise taxes when the government is wasting so much money. More than a trillion dollars of Office Buildings littering the landscape. 200 billion in overlap and duplication in the federal government. And you have an incompetent Health Reform website sucking up money right and left that is not working and its all loaded on medicaid whose budget is getting blown out right there. Talking about we dont need to be talking about a website here. We need to be talking about how our government can help, help solve problems but not be the solution. Neil why do you think after baltimore the immediate inclination is we need more money, more money. Baltimore per capita on a per student basis gets almost as much as new york city students do. Neither are breaking the walls down. Why is there a feeling that if in doubt throw more money at it . Not the fact youre throwing more money at it. The fact is how it gets spent. Neil they havent neither. I think its important to track where the money goes. And they dont. No i think thats happening. That happened in new york, and many other cities where can you actually see gee spent trillions on a war on poverty and yet to move the poverty needle. I think its moved the needle significantly. Neil 3 , 3 . That is significant. It is . 3 is a significant . Listen, but we all want to help the poor. You know what helps the poor is a job they become emotionally and literally invested in their area, they dont want to destroy their job or destroy the area around them. Neil we dont trust them . No we dont trust them. Weve thrown so much money at it already and it hasnt worked. I also dont think whether anyone, democrat or republican side, known any democrat is saying throw money at them. Neil no no no you are right to say both parties failed in this regard. They think republicans with defense throw more money at them. Where we stand on the trust issue, when it comes to government, we dont stand too well here . We dont ill give you one example what you are talking about. Ill give you a piece in the wall street journal this week we have a d. C. Voucher Program Educating Kids in inner cities by allowing them to go to other schools. Heres the amazing thing, it is educating kids, giving them a quality education for one half of what it costs in the Public Schools and cant get the liberals to support the program. Neil a lot of players not measuring up. Guys thank you. Businesses shouldnt trust washington either. Republicans offering help or democrats. Tax bills red tape pile up and uncle sam keeps piling on. Andy how do you get businesses to believe that washington has their back . You argued for many years now, they have a sense that it does not. It did help in 2010 when the republicans took over the house, and then again in 12, 14 when they took over the senate. Businesses knew nothing disastrous like doddfrank or obamacare was going to come down the pike. We have thenlrb trying to inflict the joint employer standard on franchise businesses, ambush election. An administration that refuses to implement fixes to obamacare like the 40 hour work week. President obama telling the department of labor to expand the class of employees entitled to overtime so people are compensated for time spent instead of well spent. You have a minimum wage increase at some point. It is about the 10 12 point. Have you employees paid more than they contributed to the profitability of the business. Neil what do you do . In that environment, andy, what do you do getting businesses to have washington help them rather than stab them in the back. The larger ones have a lot of money abroad. 2 trillion sitting offshore, and its not coming back because its going to be double taxed or taxed at a high rate so businesses keep it. Including very politically names like apple. How do you win that money back . Well theres really the only way is to elect politicians who are committed to seeing the economy grow who are not committed to seeing the government grow. Weve elected a president now, hes been president six years, president obama whos committed to Big Government. And if youre committed to Big Government, youre going to scare businesses. Until you get that commitment to Economic Growth to getting people jobs, to creating opportunity and reducing poverty by creating jobs and Economic Growth. Until the government gets that focused, businesses arent going to trust the government. You are looking forward to additional and added expenses. The higher the expenses are the lower profits are, the lower the projected profits. The less likely you are to expand or build or open a new business and the less likely you are to create jobs. Until this Big Government attitude begins to decline. Look we spent last year, the National Association of manufacturers and the Small Business administration estimated that were spending about 2 trillion. American businesses are spending 2 trillion in Compliance Costs with the current regulatory environment. My buddy steve moore was mentioning that the government spends 4 trillion. You can take half of that amount, youd increase the amount that businesses are on tap for by 2 trillion, which is what they have to pay in regulatory Compliance Costs. Neil the money offshore, it is an interesting fact. Andy, good seeing. You nobody is going to bring the money back if youre going to have to pay more taxes on it. The bad thing is when Foreign Companies bring the money back they dont have to pay tax on it. Neil i love you to death, andy i dont trust you in this sense. You are a fast food executive and youre thin. That doesnt jive. It takes away all your credibility. I kid you. As always a pleasure i love the piece you wrote about scott walker, keeping in mind the numbers are not what the media says. Andy thank you. Weve heard of young the restless, but young and investless . When it comes to stock, most young folks want nothing to do with them. Why Charles Payne says trust him. Youll regret sitting this one out, guys. You can call me shallow. But, i have a wandering eye. I mean, come on. National gives me the control to choose any car in the aisle i want. I could choose you. Or i could choose her if i like her more. And i do. Oh, the silent treatment. Real mature. So you wanna get out of here . Go national. Go like a pro. When we were young we wanted to change the world. So we did. We took a generation that was built on hope. And turned it into a generation that changed lives. And this life that weve built . Were not done building it. 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I feel like ive been here before. Switch now and get the fastest wifi everywhere. Comcast business. Built for business. Neil well heres why they often call this market a stealth rally. So many arent participating in it in fact, more than half of americans dont own any stock at all after this incredible runup, because they dont trust this. They dont trust stocks. When things go south investors run scared. Look what happened on october 19th, 1987. I was there for the scare. Suddenly it was a freefall a better than 22 pummel in the dow and nervous traders were looking over their shoulders. What they dont know and readily worry about is how far down the correction has to go. How long it will take and how many more people will be hurt in the process before the market decides if it decides to turn around. Neil well, you know youll be happy to know that markets did come back and puberty did kick in. [ laughter ] now you know the rest of the story. I hate when they staff does this to remind me. Same lego hair then, same lego hair now. After the 2008 meltdown when people thought stocks couldnt get lower, they bounced back to record highs. Charles payne says lots of investors are kicking themselves for missing both opportunities, but it happens a lot. You can understand in the moment its frantic. Sure. Neil heres where i think its different with this one charles once twice burned a lot of people in particular i dont want anything to do with this t . Theres a lot of people who watch from afar as they were growing up. And you see your parent, golly. We lost it all. And a few years later we lost it all. Were Real Estate Investors now golly, we lost it all. You hear they would rather have experiences on making a lot of money and missing the fun things in life. You put it all off, family formation investing, put it off because you might as well live in the moment, have fun while youre young you dont know whats around the corner. Neil is it parents experience singed them . I think it has. Were seeing this Group Starting to emerge as entrepreneurs family formation, theres still renters above buyers, and you will see them invest in things. Theyre in the midst of the excitement thats whatsapp the perscopes they are the ones making it happen. Neil and gravitating, they are still interested in getting money they dont want to get it by means of the market or whatever . They love spending it, right . Its like yolo you only live once, seems like i scratched the room but you say to what to kids in general millennials, for want of a better definition the 18 to 30yearolds saying i dont trust that guy. They have too much money in cash, cash goes nowhere. Deteriorates every single day in worth. Neil what the george soros says and all the guys say hey, this is getting long in the tooth. It is long in the tooth. But i dont know that they should play the market timing thing. You started this thing off the right way. When we are in the midst of a crash everyone is running, very few have the wherewithal to buy. If you cant buy now, you think you can buy in the middle of a crash . At 23, you will go through another 10 crashes. I hope i live through another five major crashes. That means ill be 90 years old. Market is at a new alltime high. Dont trust wall street trust the things you like. You like under armour go with under armour. You are right, theres a lot of knuckleheads and thievery ill be the first to admit that. You will do well. Neil a lot of people feel young we are close to the fifth anniversary of the flash right . Sure, sure. Neil see thats what happens. Just when you get in an idiot does it. No doubt about it highfrequency trading isnt illegal but makes the market volatile. Government and wall street, there will always be theft too much money sloshing around. Neil people like nike or apple and say charles, i agree, buy what you like like what you buy, know what you like, like what you are buying. They could be rich temporarily. In other words, the valuation can get head of the fundamentals, but the fundamentals are also improving. Neil saying that about apple at 50 and 60 a share. Trying to pick the top is a tough game. Neil and you say hold tight. Youre not going to pick the bottom. If you are going to be in it 25, start to nibble you know its great. These young people know more than anybody on wall street. They know the greatest things going on right now. If they could put their money with what they know, connect the dots theyll have an amazing life. Theyll have a fun youth fun middle age and amazing golden age. Neil i find they wine a lot. The whining gets them what they want. Neil a quick quiz, if Americans Trust government the least who do you think is next to least . The president . The media . Big business . Or Charles Payne . 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Media watchers say that the Fourth Estate stopped being the governments watchdog decades ago. Brent interesting to me that despite all of that its like the media wants to double down on the faith in government and question those who would dare question government. Yeah, it is incredible that theyre response to be marginalized is to be more marginalized. Theyve become so radicalized. Weve seen something in the last two years i hadnt seen before. Since 2008 i should say. This commitment this deliberate commitment not to report news, if it harms the narrative of the left. This is not one example this is not two examples i can give you 20 examples. As a matter of fact you and i talked about this many times on the show, they are deliberately not reporting news. Neil lauren, to what end . They must know they hurt their own brand weve seen it happen in print, one newspaper or another, whether they hop online or not. The content is what people are getting turned off to . It is true i need respond to what brent just said. Neil let lauren respond. I think hes wrong coming up with Hillary Clinton you had the New York Times breaking the email scandal you had all of the mainstream news organizations hopping on the latest scandal with the clinton foundation. Neil im talking about government itself. Whether its faith or go ahead. There are a lot of journalists who put their heads down and do the hard work. The foya requests are very important in order to find out exactly what is happening, and you cant marginalize those. They are about this many reporters doing it but i think its very important. If you get the right news story. Neil thats the problem. If you have a signified small percentage. The others are saying after baltimore last week the issue is were not spending enough. The government isnt doing enough. In other words, that the government can fix it thats what worries me, brent . Look with all due respect lauren, what you said is pure nonsense. They have not gotten to the bottom of a single one of the obama scandals. They did not get to the bottom of a single one of the clinton scandals. Just think about the coverage of watergate and nixon wherethey would not get to the bottom of it. Look at benghazi, irs the va, look at so many scandals dropped. This clinton one will be dropped as well. Neil lets go back to the government guys. I can argue how zealous the media is to reporting on the clinton issues back to the idea that if we have problems the government can fix them, lauren, do you think that is a media issue to address that theyre not really looking at anything more creative than that . Well i mean i think thats a very left way of looking at the world. If there are problems then the government can fix them. I think that if youre looking at News Coverage of that specific issue youre not going to find, it because i think a lot of the people who do report think that exactly that. That the government can fix issues. However you did have the reporting on the va scandal, right . Where there was complete mismanagement, and you did see the media latch onto that and paint the va as villains. Im not here to defend all of the terrible journalism going on and there is a lot of it. Its certainly a lot easier right now to pontificate and spout off than it is to take a 30,000 foot view and take a look at what the government is actually doing with our dollars. Neil well brent, and i raised this with the republicans too, who find the 600 billion Defense Budget isnt cutting it. If youre digging a whole best to put the spending shovel down or the Big Government shovel down, what do you think . Heres a direct answer to the question. If you look at a perceived problem you will never hear on the networks, leave it alone, let people show some personal responsibility. Get government out of equation, youll never hear. That youll hear a discussion how much the government needs to do. Neil guys i wish we had more time. I wish you could have come to blows you are in two locations makes it very, very hard. Thank you. Neil next time next time. Burned more if youre not or burned more if youre out. The housing pro says housing will pay off big time. You got to give it time. One thing to not trust the Education System but another to rebel against it. Coming up, how parents are revolting with an excellent looking below the surface, researching a hunch. And making a decision you are type e. Time for a change of menu. Research and invest from any website. With e trades browser trading. E trade. Opportunity is everywhere. When cigarette cravings hit, all i can think about is getting relief. Nicorette mini starts to relieve sudden cravings fast. Anytime. Anywhere. I never know when ill need relief. Thats why i choose nicorette mini. Neil i get the idea trusting big Institution Says fleeting in. This hour, were digging into exactly why . A big reason of course goes back to the 2007 housing bubble. Once the Housing Market crashed confidence in real estate crashed along with it. Home ownership is at a better than quarter century low, as americans are pulling a 180 on this big American Dream. I dont have the money to buy a house. Move too much. Too much money im never going to have that much. Cant afford to buy. I dont think im mature enough for it. If you buy a house, you have to stay there. Why buy a house if you are going to sail on it and ruin credit ratings. We are too poor. Have no money. Neil as you can see, a lot of millennials are opting to rent rather than buy, former fannie mae exec says they are missing on it. If you think about it, a lot of the kids are saying, i havent seen that return. My parents havent seen that return, what do you say . Thanks neil. So you just saw or made the reference to the housing Home Ownership rates dropping to 63 . When you think about the numbers in the aggregate or the abstract they dont mean a lot but a lot of financial implications when you think about every 1 of that drop is one million households that arent owning a home. Thats one million households paying 30 more a month for living expenses. One million households. Neil they figure they are saving on the hassle and the risk of another meltdown. Thats what they say, you say what . Absolutely. Look, theres always going to be casualties in the housing. If you can get 95 success rate. 5 are going to lose home to foreclosure. Obviously its a cautionary tale. Thats 95 of folks who see the wealth appreciation of Home Ownership which its important to remember, the Household Net Worth of a renter is 5,000. The Household Net Worth of a home owner is 150,000. The big picture was accidentally exposed recently on boomers. They showed seniors when they passed away, how much financial net worth was in their house, and it turns out only 20 of the seniors when they passed away had any financial net worth beyond the home equity in their house. Can you imagine during the most prosperous time thats the end result. Weve got to focus on how to get more folks into housing today. Neil there are a lot of people in the last seven, eightyear period since the meltdown who would not have that appreciation at all, they would not have the housing component of that wealth right . People talk like that. In real terms, youve seen 3 trillion of appreciation in three years. It bottomed out in 2012. It is rallying. Still 20 from the highs. Neil give it time and have faith that in time things come back . Theres a huge demand push. Americans are funny. At no point in history have been no more americans that have a desire to live indoors. The population and ultimately 65 historically want to buy a house. Youve seen people who have lost their house to foreclosure. 6, 9 Million People who have lost the house to foreclosure. Neil and they want back in. They want back in. Its a good investment. Neil thank you, tim, very much. Good to see you. Are they going way too far and being way too jaded . Banks are trying to tempt them in are they doing too much here . Offering as little as 3 down mortgages. This is the thing that worries here that some of the banks and institutions are sucking them back in to be slaughtered. Right, i believe the concern is twofold. First a lot of the borrows are not aware they run the risk of their house being worth less than they owe father market for some reason declines which historically it may, and with these small down payments, borrowers are not aware theyll get a higher Interest Rate and the cost of the loan in the long run will be higher than if they put more of a down payment down not to mention mortgage insurance. The lenders run a risk of the borrowers walking away, they dont have enough skin in the game. God knows i love people buying real estate. Thats what i do for a living. However im also concerned that maybe the banks are giving people too much without enough skin in the game. And without educating them that through the life of the loan it may seem like an opportunity to appreciate and to buy into the American Dream without enough money down, but in the long run i think that its a mistake. Neil katrina, the argument for letting these low money down loans go through is most young people since its targeted largely at young people, do have the financial discipline to stick with the mortgage grow with the mortgage as they grow with their jobs. If you dont do Something Like this it will only be a rich man rich womans market and well never see housing stabilize. What do you make of that argument . Well i think it comes down to employment as well. The Unemployment Rate with the Younger Generation isnt rising at the rate we need it in order for them to build this wealth. I think one other point which is not realized is that now the banks are actually allowing the Younger Generation to get down payment from Family Member which again if you dont earn it, im a Firm Believer if you earn it you value it more. A Family Member is putting that down payment for you, then youre more inclined to walk away than if you worked hard for it. Part of the American Dream is working really hard to be able to attain it. Im a Firm Believer that again, you have to work for it, and in the end, the Housing Market will do better because of it. Neil all right, unless you have a rich uncle who doesnt seem to care. Katrina thank you very much. Good seeing you again. Thank you. Neil from the reaction on the street the things you dont trust the most are the things you apparently use the most . Im on facebook, im on twitter. All our information is out there, anyway. If you try to get rid of your page its always there. They have the technology to see everything everybody does. Im getting popups, advertisements and things i searched in the past. Every day i think why am i still doing this . You drop 40 grand on a new set of wheels, then. Wham a minivan tbones you. Guess what your Insurance Company will only give you 37thousand to replace it. Depreciation they claim. How can my car depreciate before its first oil change . You ask. Maybe the better question is why do you have that Insurance Company . With Liberty Mutual new car replacement, well replace the full value of your car. See Car Insurance in a whole new light. Liberty mutual insurance. The real question that needs to be asked is what is it that we can do that is impactful . What the cloud enables is computing to empower cancer researchers. It used to take two weeks to sequence and analyze a genome; with the microsoft cloud we can analyze 100 per day. Whatever i can do to help compute a cure for cancer, thats what id like to do. Do you want to know how hard it can be to breathe with copd . It can feel like this. Copd includes chronic bronchitis and emphysema. Spiriva is a oncedaily inhaled copd maintenance treatment that helps open my airways for a full 24 hours. Spiriva helps me breathe easier. Spiriva respimat does not replace rescue inhalers for sudden symptoms. Tell your doctor if you have kidney problems, glaucoma, trouble urinating, or an enlarged prostate. These may worsen with Spiriva Respimat. Discuss all medicines you take even eye drops. If your breathing suddenly worsens, your throat or tongue swells you get hives, vision changes or eye pain or problems passing urine stop taking Spiriva Respimat and call your doctor right away. Side effects include sore throat cough, dry mouth and sinus infection. Nothing can reverse copd. Spiriva helps me breathe better. To learn about Spiriva Respimat slowmoving mist ask your doctor or visit spirivarespimat. Com. Neil trust in technology is fading, but are we the problem it is still a big thing . Well americans dont want their data in the hands of Big Tech Companies or the government or both. Theyre more addicted to it than ever before to. Cybersecurity experts David Kennedy who says this technology that we may not like we apparently still love. It is weird, right . Its like a doubleedged sword. Most people dont know when theyre using Cloud Storage when your information is stored on various servers they think its up in an atmosphere but no its giant farms of servers in various parts of the world. Neil and they dont care or they dont know the details . Like making hot dogs. Heres when you care the moment you care when you took something that is really important to you and youre working on it like a book you are writing and you store it on a service that isnt your own computer or device, and all of a sudden one day poof its gone. What the heck happened . This thing thats shared on all of your Devices Available anywhere anywhere, and you have to revert to a copy stored six months ago. Neil Sun Microsystems ceo Scott Mcnealy said if you want your privacy it is gone the technology and convenience obviously has some intrusions on privacy. But its benefits outweigh whatever annoyances you encounter. Do you agree with that . There is a fine balance between privacy and the types of information you put online you are integrating technology into everything you do with the android phones iphones with maces all of those have cloud and infrastructure that store the information to. Put it short our privacy is pretty much gone when it comes to the amount of information we do on the pieces of technology but still have to be cautious about the types of information we put up there. David, i would jump in and say cautious is the easy word. You have to be stupid to store something critical in your life. Do not put a will medical records personal data. Neil but medical data, that is getting online. You may not have a choice. You are not in control of that. Neil so lets say you are doing everything right but someone else is deciding to take the data. One little leak in the faucet from one point to the next point is what goes wrong. Neil i got a guy like you, when is the last time you wrote a paper check, you do everything online . I lose them. Neil the amount of people who do that. Not about that. When i do it i lose. Neil what is ave . The convenience of it this is such and you can do it so quickly dictates this new world. There is a risk of going, going wrong, we like the convenience. We want to be able order to groceries and pick them up at the store. You have toilets you can control from the smartphones now. Convenience is huge. The problem is its not just consumers that are doing this its businesses, and thats completely out of our control. Businesses are putting medical data, Social Security number sensitive data, financial records in the cloud infrastructures they are not protected. Its wider on the Business Front as well and thats why you are seeing the breaches occur. Its going to be a problem to come and something we face directly in the next two years. Neil we Love Technology but dont think it is going to be there for us. I like my smart toilet. Neil who doesnt . But its a family show. Look at the time. I want you to look at this chart. With education spending like, this you would think test scores would be off the charts. News flash theyre not. No wonder where parents are flatout serious over all this flatlining. [ male announcer ] whether it takes 200,000 parts 800,000 hours of supercomputing time 3 million lines of code, 40,000 sets of eyes, or a million sleepless nights. Whether its building the worlds most advanced satellite, the space station, or the next leap in unmanned systems. At boeing, one thing never changes. Our passion to make it real. Neil all right, to all these skeptical parents and kids about our schools. 31 of just parents do not trust the governments handling of all of this. Students arent getting results even as taxpayer dollars are being thrown again. Billion after billion after billion into school systems. To ashley pratt and carol iken whether they can fix a broken educational system, ashley, what do you think . The whole idea of throwing money at a problem as a solution is not a solution, and i think thats the real issue here. We look at accountability of schools and test scores and everything and theyre just plummeting and failing our students, and parents and students deserve options and they deserve choice. Thats why i think the School Choice movement is so important, students shouldnt be relegated to a school based on zip code. Students learn in different environments. In an age where technology is rampant and we have choice at our fingertips, it should be the same way for education, and students should have the same choice as parents, if my student is not thriving in this environment and can thrive elsewhere thats where they go school. I think what shes saying, carol, is shes prochoice of ednation and. Thats a good way of putting it on that issue. I dont think prochoice is the problem or the solutionment i think that we have so many schools in this country, and just saying that students can go to other schools wont work every place. Neil works in a lot of places, carol. Well small amounts of students. And what happens to the ones who cant get out . We need to fix the schools i agree throwing more money is not the answer. Neil do you think competition would help . I think competition helps in every single field, yes, but i also think that we need to do something with the schools that are broken. Neil what do you make of that ashley . If its a matter of just the same existing system, challenging that that existing system with a competitors, does put a little bit of kick in your step. Yeah, and im all for competition i think thats whats important with the rise of teachers unions im not bashing teachers here. My sister is one, and its noble work shes doing. This is why i wonder where the money is going, neil . She has to take money out of her pocket to buy supplies for students in her classroom. With all the money funneled in and you look at schools in baltimore because thats been in the news recently. You see 15,000 per student. Where is all of that money going . Is it going to the betterment of the students . When teachers have to take money out of their own pocketbooks or checkbooks that makes me wonder where is the money funneled to . Is it helping the students . I dont think so, its definitely not helping the teachers. Neil okay, i want to thank you guys very much. By now you get it america has big trust issues but next, rocker andrew w. Kay one of the more optimistic guys i know here to build trust facts for the middleaged, the young, the old, you name it. Thats next. music plays throughout the pursuit of healthier. It begins from the second were born. After all, healthier doesnt happen all by itself. It needs to be earned. Every day. From the smallest detail to the boldest leap. Healthier means using wellness to keep away illness. Knowing a prescription is way more than the pills. And believing that a single life can be made better by millions of others. Healthier takes somebody who can power modern health care. By connecting every single part of it. Realizing cold hard data can inspire warmth and compassion. And that when Technology Meets expertise. Everything is possible. For as long as the world keeps on searching for healthier. Were here to make healthier happen. Optum. Healthier is here. You can call me shallow. But, i have a wandering eye. I mean, come on. National gives me the control to choose any car in the aisle i want. I could choose you. Or i could choose her if i like her more. And i do. Oh, the silent treatment. Real mature. So you wanna get out of here . Go national. Go like a pro. Neil you know, this hour we have laid out eight out of ten millennials dont trust other people. Neil i think thats the heart of the problem here, its inherent or we dont trust or flip over each other. Whats the problem . Well, this is a puzzling and perplexing issue but fortunately, it is as simple as trusting ones self. Most of these societal issues come down to an individual point of view and whats inside. If you cant trust your own self, of course youre not going to trust other people. Neil when you perform song writer entertainer its always very uplifting, im told. I mow your whole approach is very positive, positive energy, and its contagious. I always tell young people, younger than you, i dont thinker than younger than my own kids that the bottom line is you are the vibe you let off. And if youre negative, all thats going to be contagious. If youre positive that too will be contagious. I think it starts there, but i could be simplistic. What do you think . No, i agree with that. Its a code of ethics really that starts in your own behavior. It can seem rather trivial to imagine that how you interact with people throughout your day could actually have a Global Impact or at least even in your own community but it really does. If you dont have these strengths, if i dont have the strength to be polite to that stranger or have that trust, that kind of faith that humanity isnt bad then how would i believe that the rest of the world neil you cant blame a lot of people young or old right andrew . I tried to give the benefit of the doubt to the government let me down markets let me down, housing let me down. No more. Well, a bad relationship is a very good example because if were going on dates with someone and we have bad experiences its easy to want to cast aside all of romance, all of love, all relationships because you dont want to get hurt. But we also dont want to live in a world where we dont have love or relationships or hold out hope for something more. Idealism is challenging. Its much easier to become cynical, but we dont want to live in that kind of world. Neil speak for yourself, young man. Andrew w. K. , it is attitudinal we are bigger than the problems that seem to confront us. I hope that helps everybody and i want you to return next week brighteyed bushytailed and welcome to the best of the imus in the morning. From the heart of new york city. Im connell. Over the next hour, some of the best interviews hes done. We started off with russell simmons, the author and entrepreneur, known for including meditation, his new book is called success through stillness. A look at meditation and everybody can benefit from meditating in their