00:00:00.000well hello everybody i hope everybody is coming off of a great fourth of july weekend celebrating
00:00:15.320america's 250th anniversary and uh that you had a good time with your family and that you were
00:00:21.800able to celebrate and you didn't pay attention to all the negativity that was out there by some of
00:00:27.140the mainstream media and some of the liberal hacks that always try to ruin everything that's
00:00:32.660celebratory about America. Now, I am a little bit disappointed this morning, as we're recording
00:00:38.080this, it'll come out a few days later, that our men's soccer team lost last night. And that's
00:00:45.800very disappointing, but they did have a good run, and we're proud of what they've done. I wish they
00:00:50.780would have won last night, but that's the way it goes. There's a lot of good soccer teams in the
00:00:55.300world and just so cool to see watching some of that game last night and just so cool to see the
00:01:01.960stands even in a place like Seattle filled with red white and blue and singing and chanting I
00:01:09.080just think that was really cool to see the fans be so patriotic and what have you and we'll finish
00:01:15.660watching the World Cup we'll see who wins never know who it's going to be but it's going to be
00:01:19.280exciting and so cool that it is here in America on our 250th anniversary. And also some of the
00:01:26.400positive statements that have been made by the fans that have come from all over the world about
00:01:31.840America. That's cool. I'm sure that made a lot of the Libs mad, but I thought that was a pretty
00:01:36.180cool thing. Also, I want to remind you that it's still not too late to buy your Share the Aeros
00:01:40.640tickets, folks. Related Bros out there, why don't you do something unexpected for your wife and go
00:01:46.540ahead and buy that, not for her birthday, not for Mother's Day. Go ahead and do something nice for
00:01:51.960your wife. She does something nice for us every day. So why don't you go ahead and do that? And1.00
00:01:57.220I think she'd be very, very happy for that. We'll look forward to seeing her. I'll be there for part
00:02:01.320of the time, walking around, meeting people. And I know that Lisa, my wife, will be there, of course,
00:02:06.940and Allie and her husband, Chief Related Bro, will be there. So anyway, it's going to be fun. Also,
00:02:11.800Before I get into today's full Get Into Session, I'll tell you about, I will tell you, we have just spent a couple of weeks with our six grandkids.
00:02:23.320We have a little place in the mountains, and we've spent some time with them, and it's been really, really good.
00:02:28.120Now, I will tell you, it's a little bit more chaotic than what I'm used to with just Lisa and I and Daniel at home,
00:02:35.160But it's been really nice just kind of watching them interact as cousins and brothers and sisters and things like that.
00:02:42.420And, of course, our house is just probably just like yours, is that sometimes they argue, sometimes, you know, they're crying, whatever.
00:02:50.700But it's really been a great time, and we enjoyed being able to spend the time with them, and their parents were up here as well.
00:02:56.640So we've just really had a really good last couple of weeks, and now it's just Lisa and I and Daniel here.
00:03:02.500We do have one of our oldest grandson, Peter, here with us, and so it's good to spend time with him.
00:03:07.460He's becoming a nice young man, and they grow up very fast, so spending time with them when you can is certainly a good thing to do.
00:03:15.560Now, let's get into today's session. We're going to talk about three or four things.
00:03:19.380One of the things we're going to talk about, the first thing, are Trump accounts.
00:03:22.900It's been in the news lately. I don't care what you call them.
00:03:25.900You don't have to call them a Trump account if you don't want to.
00:03:28.140It was his administration's idea. And the thought is, is that people need to do more savings on their own and starting that as early as possible.
00:03:40.560I know that when each one of our grandkids were born, Lisa and I put some money aside in a 529 account, which is specifically for education.
00:04:42.000We're going to get into those details as well.
00:04:44.160But they officially launched the Trump accounts app.
00:04:47.080So I'd encourage you to download that app and allows families to open tax advantage investment accounts.
00:04:53.200What that tax advantage means is that you're not taxed on the growth of those accounts during the time that the money is in there.
00:05:01.760And it's for children under age 18. In fact, President Trump explains it in Sot One.
00:05:07.060Parents, loved ones, churches and generous companies and individuals will be able to contribute funds to these accounts to grow throughout the child's life.
00:05:16.740And again, if we have a good market like we do now,
00:05:18.940they're going to become actually very rich.
00:05:22.040They'll have hundreds of thousands of dollars.
00:05:27.640All you got to think about, and we'll talk about this in a few minutes,
00:05:30.200is compounding over time how well that works.
00:05:33.720And they're going to be invested in a broad-based U.S. stock market.
00:05:37.140I've always talked about how a lot of the money that I have,
00:05:40.760We invest in the S&P 500, which is a index of 500 of the biggest companies in the United States.
00:05:49.520And the Trump accounts are invested similarly to that.
00:05:53.440And then there's a you'll see on the screen here.
00:05:55.860Those of you that are watching this goes through exactly how the Trump accounts work and what you have to do.
00:06:02.540Contributions are generally limited to about five thousand dollars a year.
00:06:06.540And that can include up to twenty five hundred dollars from employers.
00:06:09.820So if you really want to talk about a great employee benefit, if you're interested in keeping your employees loyal to you, what about putting some money, and it doesn't have to be the whole $2,500, you could put in $100 or $1,000, but for your employees' children under 18, putting some money in one of their Trump accounts, would that be an awesome thing to do?
00:06:32.660How loyal do you think your employees would be?
00:06:35.100I hear all the time, especially for the boards I sit on, how hard it is to attract good employees.
00:06:40.500And this would be another good way to do that.
00:06:42.500So I encourage you to think about that.
00:06:44.840But it also doesn't have to be an employer.
00:07:01.620And we'll see what Michael Dell and his wife have done here pretty soon, a fellow Texan.
00:07:06.940But Jenny Johnson, who is head of Franklin Timilton Investment Firm, had an interview on CNBC talking about what this can mean for young children and actually infants as to what it will mean over their lifetime.
00:07:27.500If you invest $5,000 a year, $1,000 a year for 10 years at age 20, when you retire at 60, you will have more money than a person who starts to invest at age 30 and invest the same amount per year for 30 years.
00:07:45.140And so if you look at what the Trump accounts were now starting at birth and being able to compound, I think it's incredibly powerful.
00:07:53.780So, yeah, I mean, compound interest is they've called it one of this seven wonders of the world, right?
00:07:59.760It's compound interest. And I certainly I certainly agree with that.
00:08:03.100Individual contributions can be made by families and friends, as I said earlier, with after tax dollars.
00:08:08.580Now, those aren't tax deductible, but that's OK. You're not doing it for the tax deduction.
00:08:12.900You're doing it to help out your children or grandchildren or maybe even some friends.
00:08:17.560Maybe you have some friends that are not as fortunate as you financially and you want to help their kids out as well.
00:08:23.180I think that would be a great idea. The other cool thing is there is no limit for contributions
00:08:28.560from nonprofits and governments. Michael Dell, the founder of Dell Computers, and you remember
00:08:35.200his story. He started in his college dorm room, Dell Computers, and is now one of the largest
00:08:41.180computer companies in the world. He's one of the wealthiest people in the world. He's a big
00:08:45.220benefactor of a lot of different great programs down in Austin and around the country. He and
00:08:52.700his wife plan to donate more than $6 billion to Trump accounts. $6 billion out of their non-profit
00:09:00.860they're going to give to Trump accounts. And that'll be up to $250 to each eligible child
00:09:08.100under age 10 to celebrate the 250th anniversary of U.S. independence. Now, isn't that a very cool
00:09:16.400patriotic thing to do? I don't know how many people on the mainstream media are talking about
00:09:20.800that and celebrating that, but I think that's very cool. I don't have any idea if Michael Dale's a
00:09:26.280Republican or Democrat. It doesn't even matter. He's an American, and I appreciate him doing that.
00:09:31.840Also, the gift is available to children who live in a zip code with a median family income of $150,000
00:09:38.740or less and who do not qualify for the federal $1,000 Treasury C contribution for children born
00:09:46.280between 2025 and 2028. So make sure you understand that children born between 2025 and 2028, the
00:09:56.040federal government's going to put a thousand dollars in their account to start with. Now,
00:10:00.740there are some income qualifications on that and what have you. You'll have to look those up. It'll
00:10:05.420tell you on the app. But for those children that aren't eligible for that, okay, then, but they
00:10:12.580live in zip codes where the median family income is less than $150,000, the Dell Foundation is
00:10:18.700putting in this $6 billion investment or $250 each for those children. So what an awesome thing to
00:10:27.940do. And I'll tell you, this is such a great program because one of the things that I think
00:10:31.660you and I probably understand intellectually is that we can't depend on Social Security to be our
00:10:38.940only source of retirement income. We need to be saving on our own. And what a better way than to
00:10:45.720incentivize people to do the same thing. Trumpaccounts.gov estimates that the $1,000
00:10:54.820seed contribution from the Treasury could potentially grow to $240,000 by the time they're
00:11:01.800age 65, just that one $1,000. And there's some assumptions in there on how much investment
00:11:07.520will earn and what have you. But that's a good, that's really kind of cool. The period before the
00:11:13.240child turns 18 is known as the growth period for the Trump accounts. And that's the way it should
00:11:17.980be, is that this is not money they're going to be pulling out before they're age 18. But after 18,
00:11:25.780they can put them out for a variety of reasons, such as education or birth or adoption expenses,
00:11:31.260up to $5,000 a child. Say if they get married and they need some help, maybe they're going to adopt
00:11:36.220or maybe they need some help with their medical expenses if they're pregnant, they can do that.
00:11:40.960Also, emergency personal expenses up to $1,000 a year or buying the first home.0.99
00:11:45.900So it can help with your down payment up to $10,000.
00:11:48.840And these are subject to different tax rules.
00:11:51.800In other words, when you pull it out, whatever the earnings are, there'll be taxes on that.
00:11:57.320But it won't be taxes on the entire account as long as that money stays in there.
00:12:03.080And then the maximum annual, if you think about this, if you put in the maximum annual contribution, which is $5,000 a year, and historical market returns, which they're probably assuming about a 10% rate of return.
00:12:18.480That's about what the S&P 500 has done over the last, you know, 100 years or so, eight, nine years.
00:12:24.280The Trump accounts.gov website projections show an account could grow to approximately $13 million by age 55.
00:12:34.300And again, it may be very hard to put in 5,000 a year.
00:12:37.340There are plenty of times that I couldn't have done that when our kids were little.
00:12:40.420But whatever it is you can do is going to be a positive for your kids.
00:12:45.400And if they keep doing that, okay, even after age 18, that's going to be really, really good.
00:12:51.800Now, the question came up earlier when the listeners asked about,
00:12:54.660should I do a Trump account or 529 or do both?
00:12:58.340Well, even for older children that don't get the $1,000 seed contribution, they can still benefit from having a Trump account because you can still put money in on their behalf, and they'll have however many years.
00:13:13.020For example, Peter would have four more years.
00:13:15.140My oldest grandson would have four more years of tax-deferred growth, and the fees are low, and they can build some more wealth outside of their 529 account.
00:13:25.380because I could put in $5,000 a year for him or his mom and dad could.
00:13:30.520But for newborns and for both newborns and older children,
00:13:35.660if a family's main goal of saving and investing is paying for college,
00:13:40.300then a 529 plan might be the better choice, all right,
00:13:43.760because withdrawals are limited to education and are tax-free in a 529 account.
00:13:50.360But if you want to have both because the because it's limited to education, that's how the tax free status comes in.
00:14:00.720But in the Trump account, it's not limited to just paying for education.
00:14:04.980And so it can be used for more things after age 18.
00:14:09.260So you just have to decide. I think if you can afford it, then I would do both of them.
00:14:13.620I don't think there's any question about it.
00:14:15.400and it can actually create a pretty sizable savings account for your kids.
00:19:41.700Over the last 50, what, 55 years, it's the lowest it's ever been.
00:19:45.700but the increase is an increase on an already higher price, so that still makes it difficult.
00:19:51.240We still need interest rates to come down for people to be able to afford to buy a home at current prices.
00:19:59.200The other thing that, again, I encourage you is to look for places to live that aren't so expensive,
00:20:05.360and I understand what your job scenario is, that you may not be able to do that,
00:20:11.180But a lot of people have opportunity to work remotely.
00:20:15.140And if you can do that and then move to a place where it's less expensive to live, that would be a good thing to do.
00:20:21.180And, again, we're going to be living in our homes longer.
00:20:24.280I don't think you're going to see a bunch of trading in houses as much as we did in the past because you're not going to be able to, you know, jump in and jump out and make money every time.
00:20:32.600It's probably going to get to what would be a more traditional market where people buy a home, stay in it for quite a long time.
00:20:38.660And you see that a lot where people, when they're looking to buy a home, you hear it talking about on some of these home shows to be their forever home.
00:20:47.460Here's a good example of proving what has happened.
00:20:51.100If you remember the Supreme Court, one of the cases that they settled or they opinioned on or pined on and gave a settlement on is the ability for the White House to cancel foreigners' temporary protected status.
00:21:08.660called TPS, that Trump has been wanting to do that. Some federal judges stopped him from doing
00:21:13.100it. But then the Supreme Court says, yeah, the executive department of the government has the
00:21:19.840ability to do that. And this affected about 330,000 Haitians that, remember, we had allowed
00:21:27.320to come over here temporarily. And of course, they've continued to stay. In fact, 30% of the1.00
00:21:32.740Haitians living in the U.S. are homeowners after years of extensions of their TPS. So that's an0.92
00:21:39.540example of how non-citizens, and in these cases, these people were here legally, okay? I want to0.67
00:21:46.760make sure that you understand that. But they shouldn't have had their temporary status
00:21:52.220continue to be extended. Once the earthquake, hurricane crisis over down there, they should
00:22:00.000have been forced to go back or either come through the legal manner for immigration here.
00:22:06.40063%, here's another stat for you, 63% of non-citizen households also are on welfare
00:22:13.160programs compared to just 35% of citizen households, which is, so not only are they0.98
00:22:21.100having a drain, illegal aliens have a drain on our housing system and cause you and I1.00
00:22:27.380to pay more, they also have a drain on our whole financial system, entitlement system,1.00
00:22:35.280because 63% of them get some type of free government benefit, which is amazing. I don't
00:22:42.020think illegal immigrants should get any government benefits. I'm sorry. That's not the role that we1.00
00:22:48.480should do. I know some of the courts disagree and some court rulings have disagreed with me on that,
00:22:52.960But I believe that very, very strongly.
00:22:56.9207.2 million illegals entered under Biden, and that doesn't include the gotaways.
00:23:02.140Remember, that just includes what they recorded, and that doesn't include all the gotaways.
00:23:07.620And to put that in perspective, a Yale-MIT study, and this was back in 2018, said there were 22 million illegals in the U.S.
00:23:16.420That number, some people believe, is as high as 40 million today, which puts a big strain on our economy.
00:23:23.520And yes, they do provide some services.
00:23:25.380I know that a lot of them are just hardworking people, and we need to have a better way for them to get here legally.
00:23:31.620But until that time, people need to come through the system.
00:23:35.820In fact, if we would make them come through the system, then I promise you the system would change pretty quickly
00:23:42.300because we do need to have a more efficient process.
00:26:11.600We're going to talk about the Kids Act. I don't know how many of you have been following this.
00:26:15.380We talked about it a little bit in the past. In fact, I had my former colleague and good friend,
00:26:22.060Giovanni Capriglione, who is a state representative in Texas that authored the cybersecurity
00:26:31.100legislation and also legislation protecting rules around AI and social media and what it does with
00:26:40.180children and what have you. So we've talked about this in the past, but I want to talk a little bit
00:26:45.140more about it today because there's actually a bill in the U.S. House that was passed,
00:26:51.660bipartisan actually, called the Kids Act by a vote of 267 to 117. And what it would do,
00:26:59.400prohibit companies from using miners' personal data for targeted advertising and place new rules
00:27:06.940on how AI chatbots and online games interact with children. I think that's important. We'll talk
00:27:14.780about some of the people that disagree with that in just a minute. It would also require
00:27:19.080pornography websites to verify users' ages before allowing the access and with their goals to reduce
00:27:25.020children's exposure to explicit content. There was a Senate version of this that also included
00:27:30.780something called a duty of care that would have legally required online platforms to take
00:27:35.780responsible steps to prevent or reduce foreseeable harms to children, such as promoting dangerous
00:27:41.500content addictive features or exploitation the house bill doesn't have it in that of course the
00:27:47.020social media and online companies lobby strongly strongly against that and the house version left
00:27:54.200it out and we'll see what the senate does with it as it goes over because eventually they'll have
00:27:58.640to come to some type of understanding and the critics argue that taking the duty of care out
00:28:06.100weakens the protections for children. I can see why they would say that.
00:28:10.500However, there are some senators and congressmen that don't agree with that.
00:28:17.220In fact, our friend Thomas Massey, who when I say a little bit tongue-in-cheek,
00:28:21.720although I know a lot of you people like Thomas Massey, and I like some of the stuff he does.
00:28:25.320I just think he goes about it sometimes in the wrong way.
00:28:29.020But he was against it for sure, and here's a screen of his statement, and I'll read it for you.
00:28:35.160This is a dangerous anti-privacy bill, identity verification, that the House of Representatives might try to pass by voice vote this afternoon, which they did pass, but not by voice vote, before many of us are even in town.
00:28:49.260Senators like Mike Lee, Rand Paul, and Ron Wyden voted against a similar bill in the Senate two years ago.
00:28:55.400So anyway, he's against that because he thinks it's too much government intrusion.
00:29:00.360And I understand that. One of the challenges that you have is anytime you want more security, you will absolutely give up liberty.
00:29:09.040All right. That's what happened after 9-11 when all the TSA stuff at the airports.
00:29:14.680We gave up some of our freedom in order to get more security.
00:29:18.340And there's always a battle for that. And I don't I come down on different sides depending on the issue.
00:29:24.040I actually do think that we need to have protections for our children because they need to be able to use the Internet for their school, for what they do for work.
00:29:38.720Just like if you remember, this is a maybe a small thing, but I can remember when our kids were little, when Justin was little, they started mandating seatbelts in cars and that for people to have to wear seatbelts.
00:29:53.780People thought that was too much government intrusion.
00:29:56.320I know when I was a little kid, I don't think we ever wore seatbelts, as far as I can remember.
00:30:01.160But, again, the bill passed, and in exchange for losing some liberty, we got more safety and security.
00:30:09.700And that's one of the things, obviously, now, I wouldn't ever think about getting in the car without buckling my seatbelt,
00:30:15.900certainly not having the seatbelts buckled by the kids and what have you.
00:30:20.320And that's one of those things that I think was for the betterment of the country and betterment of society.
00:30:27.920And so that's what this is about. We'll see how it ends up working out.
00:30:33.240I do believe something will pass. One of the questions were, what was the thoughts on the Kids Act passing?
00:30:41.900And I absolutely think it will pass. Now, let's talk about some more viewer questions.
00:30:46.320We always get a bunch of questions. And again, you guys have great questions.
00:30:50.320And if you've emailed me a personal question, I haven't gotten back to you, please resend it to me so that I can get back to you.
00:30:55.520But the first question we're going to go over is politics related.
00:31:00.120And, you know, in the Republican Party and the Democrat Party, honestly, there is a lot of fracturing going on.
00:31:08.500You know, we've seen these so-called Democrat socialists, which are really just communists, that have been elected in the Democrat Party running up in November against Republicans.
00:31:20.700And we'll see in November how those turn out.
00:31:24.200But we've also seen on the Republican side some more far-right people winning in their primaries against what would be considered more standard or what we'd say standard conservative Republicans.
00:31:40.620In fact, in Texas, the GOP has kind of split a little bit because we have people that don't like Paxton, who's going to be our Senate nominee.
00:31:51.980They don't like a gentleman named Beau French that's going to be running for our Railroad Commission, which oddly enough, even though it's called Railroad Commission, side note, it actually oversees our oil and gas industry in Texas.
00:32:04.360And then Don Huffines, who is going to be our comptroller, who basically takes care of the money for the state.
00:32:10.620and people said, well, what are my thoughts on that?
00:32:13.940Well, I think that we fight that out in the primary,
00:32:16.560and once the nominees pick, that Republicans should all come together
00:32:22.980And yes, there are people, we are human.
00:32:26.000There's no candidate that's going to be perfect.
00:32:29.240In fact, Jesus Christ is not on the ballot, and we have flawed candidates.
00:32:34.620There's flawed people throughout history.
00:32:37.140Think about King David, a man after God's own heart,
00:32:39.960How flawed was he in some of his own human activities?
00:32:44.500And Solomon, the wisest of all in some of his activities and how God responded to some of that and how he grieved God.
00:32:51.240But we have the same thing in our politicians.
00:32:55.000But what we have to do, as I've said before, it comes down to a binary choice.
00:32:59.500It needs to be able, you have to pick between what is the best alternative, OK, of the two or the better alternative of the two.
00:33:09.220And I think Republican policies, as I said in the general election, you're voting for policies, not as much people, that we should come together and vote for the party that has the best policies.
00:33:20.700And there's no question in my mind that Republicans have the best policies.
00:33:24.840If you care about biblical worldview, if you care about traditional family values, if you care about protecting life, if you care about conservative government, the Republicans have the best opportunity to deliver on that.
00:33:40.680And so I'm not sure why there's such a split, but there is a split and we need to make sure that we come together on that.
00:33:49.680Again, we fight it out over people in the primaries.
00:33:52.600We vote for policy in the general elections.
00:37:10.300And I think Allie is one of the leading people that do that as a conservative, not as a Republican, but as a conservative.
00:37:17.360We need to be filling the airwaves as much as we can for young women, suburban women, rural women, about why it makes sense to follow conservative policies.
00:37:29.620In fact, one of the best things that you could do for someone, a friend of yours or or people in your family that may struggle with that is is make sure that they get Ali's book, Toxic Empathy, because it talks about how the media and liberals use our own empathy, which we should have empathy.
00:37:46.680They use that against us. And that's something that we end up having a guilt complex over.
00:37:52.860And we need to make sure that people need to make sure that they understand what toxic empathy is.
00:37:58.660And I believe that her book does a really good job at that.
00:38:03.120Next question is people always ask, why don't Republicans want to take care of the poor?
00:38:06.920Well, that's certainly not an accurate statement. Republicans want to take care of the poor.
00:38:13.440They just don't believe that government is the best way to do that.
00:38:17.840In fact, the stat I talked about earlier in this particular episode, 63% of non-citizens are on welfare.
00:38:33.140What Republicans believe is that we should, and I've been involved in a lot of these,
00:38:37.420and still involved in a big program called Alliance for Opportunity with several think tanks,
00:38:42.180where we want to make sure that there are incentives for people to be self-sufficient.
00:38:48.980And yes, we are called on to take care of the orphans and the widows.
00:38:52.820I'm not sure the government's called on to do that, but we as Christians are,
00:38:56.340and we should do as much of that through our churches and our Christian and religious nonprofits that we can.
00:39:04.160But we absolutely want to help the poor.
00:39:06.380In fact, probably if you look at the stats, if you could look at the stats of people that give money to organizations that help the poor, talking about nonprofits, then I would almost guarantee you that conservatives give more money than liberals do in those particular organizations.
00:39:24.640I don't know that for sure because I'm not sure exactly how you check that out.
00:39:28.400But my guess is that would be the case just based on how I know conservatives are actually very generous people.
00:39:37.400Next question. How can a couple with young children make it on one income?
00:39:41.020I do think it's difficult. Lisa and I did that for several years, but I think you can do it.
00:39:44.880I think if your priority is that for one of the parents are staying home with the child, then you have to adjust your lifestyle around that.
00:39:50.680You have to live in a place that allows you to do that.
00:39:53.360And, you know, you're going to not you're not going to be able to have some of the things that other people have.
00:39:59.860But if it's important to you that one of the parents stay home, then it's really all about sacrifice.
00:40:07.200Obviously, if you can figure out how to get a side hustle or a side job by the by the parent of one of the parents or both of the parents that still allows you to stay home most of the time, then I think that's a good thing as well.
00:40:20.840Maybe an in-home business, something like that.
00:40:22.840but it's difficult. There's no question about it, but I believe that those of you that decide
00:40:27.640to do that and feel called to do that will be honored for that in the long run.
00:40:31.800What's the best way to pay off debt? I've always thought the best way to pay off debt
00:40:35.660is to look at what you have that's charging the highest interest rate and try to load up on that
00:40:42.660and pay that off as fast as you can, then move to the next thing. That's what I think. You also
00:40:48.840might need to take a second job until you can get debt paid off. And I've seen people do that.
00:40:55.560I've seen my own mom do that. And I think that's a good thing to do.
00:41:01.860Let's see here. Building a new house and keeping your marriage strong.
00:41:05.600Oh, that's a good one. Yeah, I think you have to decide. Lisa and I have been through this
00:41:11.880a couple of times, actually. Yeah, we've been through this a couple of times. We've
00:41:17.460We built from the ground up twice, and then we finished a home out another time, and we've done some remodeling.
00:41:26.220She likes a project, and I like projects too.
00:41:30.160I think you have to have a clear understanding going in.
00:41:33.340Usually someone, there's one of you that's really thinking about the design and how it's going to look,
00:41:39.020and the other one's thinking about the budget.
00:41:41.080You have to have a meeting of the minds up front.
00:41:43.260and while there will always be some things that don't work out exactly so it may cost a little
00:41:49.620more you need to talk about those things and you need to have a decision on how much you're willing
00:41:58.100to spend on whatever it is that you're doing and each particular area you can't it's not going to
00:42:05.980be right to get into it and then say well I really want to do this I really want to do that that just
00:42:12.100creates animosity and you don't want to do that. But you also got to remember that a house is just
00:42:17.980a thing. All right. And a thing is not as important as a relationship. And there's going to require
00:42:24.700some give and take on both of you to be able to get that, you know, to be able to get that done.
00:42:29.300But don't let a thing come in between people. That would be a negative as far as I can see it.
00:42:36.760All right. How to leave and cleave when you're the only one taking care of a special needs sibling.
00:42:41.120And I think that what you mean when you leave, you know, you leave home and you're married and now you're leaving and you're cleaving to your husband or your spouse, your wife, then.
00:42:50.320But you have this special needs sibling that you're going to eventually going to need to take care of or maybe you need to maybe you're taking care of them now.
00:42:58.300That's a discussion that you need to have settled before you got married.
00:43:02.120Hopefully, I'll have that conversation.
00:43:04.420And while your husband or your wife is now the person that you're tied most to,
00:43:09.760we have a responsibility, and you know how I feel about this.