In this podcast episode, Ruben discusses various issues such as the debt ceiling, fiscal conservatism, student debt, education, and trade schools. He expresses his concern about the current state of the world, particularly in America, and highlights two major issues facing the country. Ruben also talks about poverty traps in society, including rent-to-own stores, payday loans, and student loans. He warns that if people start defaulting on their student loans, it could have damaging economic consequences for the country. Additionally, Ruben talks about the current situation between Russia and Ukraine, emphasizing the importance of empathy and compassion in society.