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The Jordan Harbinger Show

1264: Joe Loya | Confessions of a Bank Robber Part One

30 Dec 2025

Transcription

Chapter 1: What is the main topic discussed in this episode?

0.031 - 13.787 Unknown

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81.788 - 89.499 Unknown

Tee joulusta syntisempi osoitteessa sinful.fi. Special thanks to Cayman Jack for sponsoring this episode of the Jordan Harbinger Show.

89.899 - 110.548 Joe Loya

Coming up next on the Jordan Harbinger Show. The choreography of a beating, right? I don't know the time, but I'm nursing a couple fractures of rib in our elbow. I'm beat up real good. Put my brother in the bathroom, I lock him in, I go to the kitchen, and I pull out a steak knife. And I walk over to the bedroom. I put it under the pillow and I just sit there and I wait. My dad comes in.

111.209 - 127.474 Joe Loya

He looks at me over there, you know, glares at me. So I'm thinking like, what am I, what's he going to use to hit me? I'm through. This is like a new level of improvised savagery, right? So I'm like, okay, screw it. And I grabbed the knife out and I stand up and now I'm standing there with a steak knife in my hand.

131.487 - 142.984 Unknown

Welcome to the show. I'm Jordan Harbinger. On The Jordan Harbinger Show, we decode the stories, secrets, and skills of the world's most fascinating people and turn their wisdom into practical advice that you can use to impact your own life and those around you.

143.344 - 161.15 Unknown

Our mission is to help you become a better informed, more critical thinker through long-form conversations with a variety of amazing folks, from spies to CEOs, athletes, authors, thinkers, and performers, even the occasional rocket scientist, investigative journalist, or hacker. And if you're new to the show or you want to tell your friends about the show, I suggest our episode starter packs.

Chapter 2: What childhood experiences influenced Joe Loya's criminal behavior?

534.156 - 538.043 Joe Loya

And it was just a total moral confusion in the house. Total moral confusion.

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538.023 - 554.178 Unknown

I'm not sure that that's that rare. I think a lot of people who grew up with religious parents got beat quite severely. I'm not trying to downplay what you went through at all. I'm just saying the moral confusion, I think, is shared by quite a few people with a religious past.

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554.438 - 573.339 Joe Loya

Let me go on. No, I know it gets a lot worse. Okay, so listen, all I'm saying is I'm getting you ready. But more importantly, what most people don't have is they don't have a minister for a father. Here's what I mean by moral confusion, what most people don't have. Certainly none of the kids and friends that I had growing up. When one day I get beat up by these bullies at school, I come home.

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574 - 591.087 Joe Loya

My glasses are broken right here. My sweater's all been torn up and everything. Three guys just beat the hell out of me, right? I come home and my dad is at the kitchen table with about five commentaries open because he has to give a sermon on Sunday. He's studying the scriptures. He's doing his hermeneutics.

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591.107 - 607.689 Joe Loya

He's finding out what's going on at that time in the Bible, at that particular time politically, geographically, like everything. He wants to know that passage so he can preach it to you. His boy comes in, broken glasses, torn up story. What happened? I said, I got beat up for that. He comes over, slaps me, and he said, his son's not going to be a sissy.

608.189 - 622.589 Joe Loya

He gets me in the car and says, I got to go fight. We're going to find those three guys, and I got to fight them each individually. This is what I mean by moral confusion. We're not talking about... oh, my dad, you know, he just raised his voice. He slaps us around. I'm telling you, I walk in, he's preparing for church.

623.09 - 640.255 Joe Loya

And this disillusions me even further because had he just been a regular blue collar worker who went to church with me on Sunday and beat me up, I'm like, okay, that's everybody. You're right. But this is different because I'm being encouraged to aspire to higher themes and I'm watching my father do it. And on Sunday,

640.235 - 659.808 Joe Loya

I'm watching the entire congregation love on my dad because he's that guy who's inspiring them to the higher themes. And I'm looking around saying, you guys don't see it? We're getting beat up all the time. We got bruises on us. What are you guys doing? And it disillusions me to the whole rigmarole. The time goes on. My dad gets married to another woman. She was a great stepmom.

659.868 - 664.021 Joe Loya

Her name was Brenda. I was 10, she was 20. My dad's 26 at this point, 27.

Chapter 3: How did Joe Loya's bank robbery become a twisted form of therapy?

707.26 - 728.114 Joe Loya

Now, she decides what she has to do for herself is she has to leave. Now, this is all not just telling you a story. This isn't service of the question you ask, like, how does somebody become a bank robber? When my dad was a minister, Brenda was the accountant. They would get their offering. And I'm already like larcenous in the heart. I'm so angry and confused.

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728.134 - 741.792 Joe Loya

One, nobody's helping with my grief. My mom dies. They catch me crying. You know what the church ladies say? Why are you crying? Don't cry. She's in heaven. The Bible says, absent from the body, present with the Lord. You should be celebrating that she's in heaven.

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741.772 - 759.088 Joe Loya

This is the counseling I'm getting from everyone around me, which has the effect of making me feel like shit because I'm like, oh, man, I'm selfish. I should be happy for my mom. And why am I feeling these feelings? These feelings are nothing but bad. They're terrible. This is the moral guidance or spiritual guidance I'm getting now. Right. Besides that.

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759.068 - 774.589 Joe Loya

That's not helping me in terms of the moral quandary that I'm going to eventually be the guy who rubs banks. But it's just a tough time for me to try and process the grief myself and beyond being brutalized. So I got all this aggression growing in me now. I got rage growing. You think kids don't have rage? They got rage. By age 11, I'm rageful.

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775.029 - 793.135 Joe Loya

And by age 13, I pulled a bunch of fire alarms at school. Now I'm a delinquent. I'm getting A's. I'm the best kid in school. I'm getting the American Legion Award because I'm this great kid. But I'm troubled. And what I do, I pull all these firearms one week and I get suspended. You know, I'm fighting. I'm just acting out because nobody can help me.

793.796 - 812.193 Joe Loya

And so as far as they're concerned, the language that gets thrown at me is, you know, all the stuff that we throw at youngsters now who are having problems and act out. We become super predators, gangbang, whatever you want to call them. They're troubled kids. They're messed up. No one's helping to figure it out. And so they act out. They act out of rage and rage that has been put into them.

812.694 - 817.546 Joe Loya

Rage that has been fanned in them. And they don't know why. They don't know where it is.

Chapter 4: What role did solitary confinement play in Joe's transformation?

817.626 - 835.494 Joe Loya

It's just it needs to come out. And the same thing with me. I'm at the same place. So I'm acting out. Brenda's watching all this deteriorate in the home. And so what I start doing is I start stealing money from the offering. I tell everyone my first victim was God. And then I would go to school and I would pay for all my friends.

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836.115 - 857.349 Joe Loya

And I got these sixth grade, seventh, eighth grade friends that are old school friends of mine. And we were talking about how I used to buy all these taquitos de guacamole or go over there buying burritos for us. I was paying for the stolen money, right? So I wanted to make myself look not poor. And so that is the beginning of me getting a bank. You could track it to that.

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857.529 - 875.873 Joe Loya

I'm like, I don't like being poor. I don't like not having money. I'm angry as hell all the time. There's money. Let me just take it. And I don't care what the consequences are. I get away with that for whatever reason. Their bookkeeping was so sloppy. I feel they must have been ripping God off too because they were like, that bookkeeping was not accurate. Anyway, fast forward.

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875.893 - 897.21 Joe Loya

Brendan leaves my dad. I'm 15. And he now brews around the house like a drunk. When I would tell the story to guys in prison, I'm talking about hardcore, badass guys. They would say, oh, he was a drinker. And I was like, no, didn't drink. And one day when I'm 16... He was angry. Brenda left, kind of humiliating him and stuff. And so he walks into the kitchen. My brother is drying the dishes.

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897.731 - 914.119 Joe Loya

Paul's washing them. I'm drying them. My dad comes in and we're just like terrified. And we're skinny, skinny, skinny kids, real skinny. And my dad comes in and he all of a sudden sucker punches my brother in the wrist. And Paul winces. And this is the worst memory of my life.

914.605 - 938.194 Joe Loya

Of all the terrible things I've done and all the terrible things done to me, this is the worst moment of my life, hands down. My dad punches Paul in the ribs, pounces on his neck, grabs his neck, and then starts dunking Paul's head into the soap water, the dishwater. And I'm standing there paralyzed. Now, I have a lot of heart in my body at the time. I'm very arrogant.

938.314 - 955.699 Joe Loya

I feel like I can do I'm going to grow up in the world. I'm going to be somebody. I just don't know what yet. I have all this confidence in myself. And right there, I am shown to be a complete coward because I'm sitting there watching my brother get dunked and I don't do anything except freeze. And he keeps getting dunked. And at one point, he looks up at me with terror in his eyes.

955.679 - 978.673 Joe Loya

And I can't do anything. And he finally lifts my brother up the third time and he leads into his ear and he says, you should have died instead of your mother. Oh, my God. So that night I'm thinking I have to kill myself. That's the first time I contemplate suicide. I cannot be this guy. I cannot handle this new version of me that has been shown me. I'm a coward. I have no guts.

979.355 - 999.881 Joe Loya

Here I am thinking I'm this and I'm this. And it does not comport, man. It does not fit. But I have to accept the fact that I'm a coward. I let him do that on my brother. I didn't do anything. And I hate on myself. I sit with this for like six months. hating myself, wanting to die. I don't like this at all. My dad gets a new girlfriend.

Chapter 5: How did Joe justify his criminal actions to himself?

1013.635 - 1029.038 Joe Loya

That's how sweet she is. She takes us out to steak dinner. And at the time, Sizzler was the jam. Sizzler was the jam. We're talking 1978, something like that. She takes us out. We're having dinner. And I start telling her a litany of the things he's done to us, right? The beatings and the brutality.

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1029.018 - 1045.59 Joe Loya

And then all of a sudden I realized, man, I've just painted myself to look like a big sissy myself. Like I'm always getting beat up. And so I remember specifically grabbing the steak knife there. And they had those really nice steak knives, you know, wood hand. It's a good steak knife. I remember if he does it to me again, I'm going to stab him in the neck.

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1046.011 - 1063.523 Joe Loya

And Susie says, no, Joey, don't do that. Put it down. Violence doesn't help. Just sweet, sweet heart. And I did that because I wanted to take back some of the, you know, like I'm over here just doing nothing but talking about how I'm being beat on and a sissy. I feel like I'm a sissy. Now I want to have some. So I put a little macho on my base of my face and I she puts me down, says, don't do it.

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1064.044 - 1067.65 Joe Loya

Well, now it's in my head. And I'm thinking, you know, what's in your head?

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1067.67 - 1069.954 Unknown

Stabbing your dad in the neck with my dad in the neck.

1070.014 - 1088.71 Joe Loya

Right. That's when I say it. Now I tell her, listen, you cannot tell my dad. If you tell my dad we're in trouble, you need to leave him and do it quick. Be clever about it. But she's so sweet. She can't lie. She doesn't know how to lie. So all she can do is just pull back from my dad and someone like my dad, who's like a con man.

1089.271 - 1103.907 Joe Loya

Now, at this point, he's selling insurance, a different kind of like it's like the pulpit and insurance salesman, the same thing. They're trying to save you from fire. So he's just a shirt sage. Yeah, just call him all common. But he can read. He can read that something has happened.

1104.007 - 1104.268 Unknown

Right.

1104.689 - 1125.572 Joe Loya

And finally, a week later, we go to wash clothes and stuff. He doesn't know, but he suspects. And here's how we find out. A week later, we go do laundry. And long and short of it is, you know, this is the 70s. A lot of people wore polyester. It was disco era. I ruined like half my dad's wardrobe accidentally. Putting that stuff in a hot dryer ruined it. It shrunk everything, right?

Chapter 6: What does Joe mean by redemption and transforming one's past?

1183.792 - 1205.881 Joe Loya

That's it and that's all. I don't care who you are. In this moment, I'm like, maybe he is being magnanimous, right? He has shown magnanimity in time. So I admit to it. Oh, my God. Beating commences. First, a teapot is thrown on me. By the end of it, he leaves the house. I have a concussion. I don't know the time, but I'm nursing a couple fractures, a rib and an elbow. I'm beat up real good.

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1206.401 - 1225.241 Joe Loya

My dad has run down to the 7-Eleven. We don't have a phone because, like I said, we're broke. He's going to 7-Eleven to break up with Susie. This is what I find out later. While he's gone, I put my brother in the bathroom, I lock him in, I go to the kitchen, and I pull out a steak knife. And I walk over to the bedroom, I put it under the pillow, and I just sit there and I wait.

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1225.862 - 1247.002 Joe Loya

Again, we're going towards, how does somebody decide to rob a bank? This is all towards that. My dad comes in, comes to the bedroom door. Now he's ready. I've seen him many times before. The choreography of a beating, right? First, he's all loose in the neck. He's on the balls of his feet. You know, he's loose. You're loose. You're ready for it. He looks at me over there, you know, glares at me.

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1247.042 - 1264.973 Joe Loya

Then he looks over on the other side of the room and he sees a weight set. glares at me, weight set, starts walking to this weight set. And we're talking about, you know, big old barbell. And in those days, it was like the weights of 25 pound, 20 pound cement blocks with plastic around them. They're like made out of that garbage can, thick plastic.

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1265.173 - 1270.583 Unknown

Exactly. And they're kind of round and they don't really, they're kind of like bulbous. Yeah, I remember those things.

1270.603 - 1289.181 Joe Loya

But they do have a really strong, big, strong metal gadget to tie them and loosen them in. So I'm thinking like, what's he going to use to hit me? And no matter which one of those three pieces, the bar, the weight, the nodule that tightens it, I'm through. This is like a new level of improvised savagery, right? So I'm like, okay, screw it.

1289.241 - 1308.593 Joe Loya

And I grabbed the knife out and I stand up and now I'm standing there with a steak knife in my hand. He sees me. He drops the weight because I stand up with the knife. I'm holding it. He sees it and he drops the weight. He's like, put it down, put it down. And I'm just standing there. Now, I've not done this before, but I have thought about it. And I'm thinking that neck is a kill shot.

1308.773 - 1326.1 Joe Loya

What do I know? I've learned since then. I've never stabbed anyone in the neck again. But I'm thinking that's going to kill him because I need to kill him because if I don't, he'll kill me. Back at once, I'll put a pin in that real quick. When he told my brother, you should have died instead of your mother, something important happened. Something clicked in me that gets me to this point.

1326.641 - 1336.497 Joe Loya

Up until that point, I had twin traumas, my mom's death and the brutality we were experiencing. And they were happening next to each other, but they never were connected.

Chapter 7: How did Joe's childhood trauma affect his perception of violence?

1378.615 - 1396.159 Joe Loya

And when I charge him, he puts his arm up and I go to swing and. And I don't hit him because he has his arm up. And we're like, now I'm like, oh, my God. And I just and I end up and he turns his head and I end up snapping right here in the back of the neck. And then I start twisting to try and break it off in his neck. Oh, my God. And he's like, ah, he's reaching back. Ah, you kill me.

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1396.199 - 1413.033 Joe Loya

You kill me. And he falls to the carpet. And at that point, you know, I was raised religious and all that stuff. And so my feeling is like I have to say something. And I do. I'm being a dramatic kid. I stand over him. I say something like this is what you brought this on yourself. I didn't kill you. Killed yourself kind of thing. Right.

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1413.073 - 1415.037 Unknown

Yeah. I'm surprised you didn't have a Bible quote ready.

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1415.017 - 1424.453 Joe Loya

Dude, it literally could have been, this is what thy hand hath wrought. It almost feels like I have to put a biblical note on it, right?

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1424.473 - 1430.543 Unknown

So I do kind of be like— This is like some Pulp Fiction stuff where Samuel L. Jackson's like reading the— yelling the Bible verse.

1430.624 - 1446.396 Joe Loya

Quoting the Bible verse, exactly. Exactly. But I do say something like, no, I didn't kill you. You brought this on yourself thing, right? But in a biblical sense. And at this point, I run, Paul, Paul, and Paul's already at the front door. Joey, what's happening? What's happening? I got blood on me and everything. And I go, go, go, and we run, and we run to my aunt's house.

1446.937 - 1462.529 Unknown

Joe used a fedora and a trench coat as a disguise. I use sarcasm and denial when I check our expenses. Different tools, same anxiety. Quick break. Don't go anywhere. We'll be right back. This episode is sponsored in part by Cayman Jack, America's number one margarita.

1462.729 - 1477.558 Unknown

We had a little backyard hang recently, just a bunch of us friends catching up, snacks on the table, music playing, you know the kind of thing. A few lawn games that somehow get way too competitive. You know how it goes. Eventually, everyone hit that moment of looking around like, okay, so who brought out the good stuff? That's when we broke out the Cayman Jack.

1477.538 - 1494.745 Unknown

Cracking one open was like flipping a switch. Instant margarita state of mind. It's got that perfect laid back beach bar flavor, but without any of the effort. No squeezing limes, no sticky blender cleanup, just real blue agave nectar and lime juice ready to go right out of the bottle. People were really into it, like really into it. Someone even was like, oh, is this bottled? You serious?

Chapter 8: What strategies did Joe use during his bank robberies?

1593.264 - 1611.147 Unknown

And many of the guests on the show already subscribe and contribute to the course. Come join us. You'll be in smart company where you belong. You can find the course for free over at sixminutenetworking.com. Now back to Joe Loya. What did you tell your aunt? Like, hey, I stabbed my dad. He's dead in the foyer.

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1611.307 - 1628.01 Joe Loya

We run in and I'm like, call the police. My dad's dead. I just killed him. Oh, my God. And at this point, we've run a mile to our house. And we were track athletes. I broke the school record. I like to always brag about it. But didn't you have broken ribs at this point? Yeah. But I'm still like, you got adrenaline. Yeah. Adrenaline. Right. Yeah.

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1628.31 - 1643.165 Joe Loya

And I'm scared to death because all I'm being driven by is that he could take that knife on and chase me. This is the monster that I've been afraid of my whole life. Yeah. And as much as I think I killed him, I'm still afraid that he's going to pull out of his neck and come after us.

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1643.205 - 1643.385 Jordan Harbinger

Right.

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1643.465 - 1660.785 Joe Loya

Right. So because he's just so monstrous in my imagination. So we get there. I tell her she calls the cops. And, you know, I've written about this recently, like, man, Her own brother, like she was born, then my dad was right after her. They were very close. And for part of that afternoon, she believed her brother was dead.

1661.466 - 1682.312 Joe Loya

I've never processed that until the last couple of years because she's now dead. And I feel like I see this story from so many different angles now. But my Aunt Gloria, we go to her house. I call the cop. The cops go to him. And bottom line is my dad has some drama with himself on the other end. He lives. He survives. Barely. They pull him in and, you know, he tried to kill himself. Bottom line.

1682.332 - 1684.874 Unknown

How come you didn't go to jail for stabbing your dad or did you?

1684.974 - 1704.972 Joe Loya

Well, here's why. So what happens is we get the police come. They go look for my dad. Then they get me and they take me to jail in Alhambra. And when they take me there, the detective actually was interviewing me. He's treating me as if I laid in wait. It was attempted murder on my father because that's what I'm confessing to. I got the knife. I sat there. I waited for when he came back.

1705.032 - 1724.625 Joe Loya

I stabbed him, tried to kill him. And I'm bragging about it because now I feel like King Kong. I'm like, you know, I slayed the giant. I'm him. I'm all that. And again, the adrenaline was a certain point. I'm really mad at him because I'm like, oh, all you asshole authoritarians. You back each other's play. You're backing my dad's play.

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