Relatable with Allie Beth Stuckey - Trump Accounts： Scam or Millionaire Hack？｜ Ron Simmons

00:00:00.000 well hello everybody i hope everybody is coming off of a great fourth of july weekend celebrating

00:00:15.320 america's 250th anniversary and uh that you had a good time with your family and that you were

00:00:21.800 able to celebrate and you didn't pay attention to all the negativity that was out there by some of

00:00:27.140 the mainstream media and some of the liberal hacks that always try to ruin everything that's

00:00:32.660 celebratory about America. Now, I am a little bit disappointed this morning, as we're recording

00:00:38.080 this, it'll come out a few days later, that our men's soccer team lost last night. And that's

00:00:45.800 very disappointing, but they did have a good run, and we're proud of what they've done. I wish they

00:00:50.780 would have won last night, but that's the way it goes. There's a lot of good soccer teams in the

00:00:55.300 world and just so cool to see watching some of that game last night and just so cool to see the

00:01:01.960 stands even in a place like Seattle filled with red white and blue and singing and chanting I

00:01:09.080 just think that was really cool to see the fans be so patriotic and what have you and we'll finish

00:01:15.660 watching the World Cup we'll see who wins never know who it's going to be but it's going to be

00:01:19.280 exciting and so cool that it is here in America on our 250th anniversary. And also some of the

00:01:26.400 positive statements that have been made by the fans that have come from all over the world about

00:01:31.840 America. That's cool. I'm sure that made a lot of the Libs mad, but I thought that was a pretty

00:01:36.180 cool thing. Also, I want to remind you that it's still not too late to buy your Share the Aeros

00:01:40.640 tickets, folks. Related Bros out there, why don't you do something unexpected for your wife and go

00:01:46.540 ahead and buy that, not for her birthday, not for Mother's Day. Go ahead and do something nice for

00:01:51.960 your wife. She does something nice for us every day. So why don't you go ahead and do that? And 1.00

00:01:57.220 I think she'd be very, very happy for that. We'll look forward to seeing her. I'll be there for part

00:02:01.320 of the time, walking around, meeting people. And I know that Lisa, my wife, will be there, of course,

00:02:06.940 and Allie and her husband, Chief Related Bro, will be there. So anyway, it's going to be fun. Also,

00:02:11.800 Before 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.

00:02:23.320 We have a little place in the mountains, and we've spent some time with them, and it's been really, really good.

00:02:28.120 Now, 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,

00:02:35.160 But it's been really nice just kind of watching them interact as cousins and brothers and sisters and things like that.

00:02:42.420 And, of course, our house is just probably just like yours, is that sometimes they argue, sometimes, you know, they're crying, whatever.

00:02:50.700 But 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.

00:02:56.640 So we've just really had a really good last couple of weeks, and now it's just Lisa and I and Daniel here.

00:03:02.500 We do have one of our oldest grandson, Peter, here with us, and so it's good to spend time with him.

00:03:07.460 He'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.

00:03:15.560 Now, let's get into today's session. We're going to talk about three or four things.

00:03:19.380 One of the things we're going to talk about, the first thing, are Trump accounts.

00:03:22.900 It's been in the news lately. I don't care what you call them.

00:03:25.900 You don't have to call them a Trump account if you don't want to.

00:03:28.140 It 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.

00:03:40.560 I 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.

00:03:51.760 And we're happy to have done that.

00:03:54.700 All of those accounts have grown because the stock market's been pretty good.

00:03:58.700 Think about it.

00:03:59.480 When Peter was born 14 years ago, the market had a pretty good run in the last 14 years.

00:04:06.120 So they have performed very well.

00:04:09.020 But the Trump account's a little bit different.

00:04:11.580 It actually is not simply for education.

00:04:15.000 And it's something that not only you can contribute to, your friends can contribute to.

00:04:20.300 In fact, for some people, the government's going to make a contribution to, nonprofits can contribute to.

00:04:25.740 So let's get into it and talk a little bit more about it.

00:04:28.320 You know, we had some listener questions that the very first question that came out was,

00:04:33.440 is the Trump account worth it for 12 to 15 year olds?

00:04:36.480 And we're going to answer that.

00:04:37.620 So just stay with us on that.

00:04:40.060 And or 529 is a better idea.

00:04:42.000 We're going to get into those details as well.

00:04:44.160 But they officially launched the Trump accounts app.

00:04:47.080 So I'd encourage you to download that app and allows families to open tax advantage investment accounts.

00:04:53.200 What 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.

00:05:01.760 And it's for children under age 18. In fact, President Trump explains it in Sot One.

00:05:07.060 Parents, loved ones, churches and generous companies and individuals will be able to contribute funds to these accounts to grow throughout the child's life.

00:05:16.740 And again, if we have a good market like we do now,

00:05:18.940 they're going to become actually very rich.

00:05:22.040 They'll have hundreds of thousands of dollars.

00:05:24.920 Think of that.

00:05:26.240 So, yeah, that's true.

00:05:27.640 All you got to think about, and we'll talk about this in a few minutes,

00:05:30.200 is compounding over time how well that works.

00:05:33.720 And they're going to be invested in a broad-based U.S. stock market.

00:05:37.140 I've always talked about how a lot of the money that I have,

00:05:40.760 We invest in the S&P 500, which is a index of 500 of the biggest companies in the United States.

00:05:49.520 And the Trump accounts are invested similarly to that.

00:05:53.440 And then there's a you'll see on the screen here.

00:05:55.860 Those of you that are watching this goes through exactly how the Trump accounts work and what you have to do.

00:06:02.540 Contributions are generally limited to about five thousand dollars a year.

00:06:06.540 And that can include up to twenty five hundred dollars from employers.

00:06:09.820 So 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?

00:06:32.660 How loyal do you think your employees would be?

00:06:35.100 I hear all the time, especially for the boards I sit on, how hard it is to attract good employees.

00:06:40.500 And this would be another good way to do that.

00:06:42.500 So I encourage you to think about that.

00:06:44.840 But it also doesn't have to be an employer.

00:06:48.780 You can do it as moms and dads.

00:06:52.800 Your parents can do it.

00:06:54.000 Friends can even do it.

00:06:55.040 In fact, we'll talk about it in a minute.

00:06:56.740 The government is going to do it for some people.

00:06:59.500 And then also nonprofits can do it.

00:07:01.620 And we'll see what Michael Dell and his wife have done here pretty soon, a fellow Texan.

00:07:06.940 But 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.

00:07:24.580 Here's thought two.

00:07:26.200 The power of compounding.

00:07:27.500 If 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.

00:07:43.800 That's the power of compounding.

00:07:45.140 And 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.

00:07:53.780 So, yeah, I mean, compound interest is they've called it one of this seven wonders of the world, right?

00:07:59.760 It's compound interest. And I certainly I certainly agree with that.

00:08:03.100 Individual contributions can be made by families and friends, as I said earlier, with after tax dollars.

00:08:08.580 Now, those aren't tax deductible, but that's OK. You're not doing it for the tax deduction.

00:08:12.900 You're doing it to help out your children or grandchildren or maybe even some friends.

00:08:17.560 Maybe you have some friends that are not as fortunate as you financially and you want to help their kids out as well.

00:08:23.180 I think that would be a great idea. The other cool thing is there is no limit for contributions

00:08:28.560 from nonprofits and governments. Michael Dell, the founder of Dell Computers, and you remember

00:08:35.200 his story. He started in his college dorm room, Dell Computers, and is now one of the largest

00:08:41.180 computer companies in the world. He's one of the wealthiest people in the world. He's a big

00:08:45.220 benefactor of a lot of different great programs down in Austin and around the country. He and

00:08:52.700 his wife plan to donate more than $6 billion to Trump accounts. $6 billion out of their non-profit

00:09:00.860 they're going to give to Trump accounts. And that'll be up to $250 to each eligible child

00:09:08.100 under age 10 to celebrate the 250th anniversary of U.S. independence. Now, isn't that a very cool

00:09:16.400 patriotic thing to do? I don't know how many people on the mainstream media are talking about

00:09:20.800 that and celebrating that, but I think that's very cool. I don't have any idea if Michael Dale's a

00:09:26.280 Republican or Democrat. It doesn't even matter. He's an American, and I appreciate him doing that.

00:09:31.840 Also, the gift is available to children who live in a zip code with a median family income of $150,000

00:09:38.740 or less and who do not qualify for the federal $1,000 Treasury C contribution for children born

00:09:46.280 between 2025 and 2028. So make sure you understand that children born between 2025 and 2028, the

00:09:56.040 federal government's going to put a thousand dollars in their account to start with. Now,

00:10:00.740 there are some income qualifications on that and what have you. You'll have to look those up. It'll

00:10:05.420 tell you on the app. But for those children that aren't eligible for that, okay, then, but they

00:10:12.580 live in zip codes where the median family income is less than $150,000, the Dell Foundation is

00:10:18.700 putting in this $6 billion investment or $250 each for those children. So what an awesome thing to

00:10:27.940 do. And I'll tell you, this is such a great program because one of the things that I think

00:10:31.660 you and I probably understand intellectually is that we can't depend on Social Security to be our

00:10:38.940 only source of retirement income. We need to be saving on our own. And what a better way than to

00:10:45.720 incentivize people to do the same thing. Trumpaccounts.gov estimates that the $1,000

00:10:54.820 seed contribution from the Treasury could potentially grow to $240,000 by the time they're

00:11:01.800 age 65, just that one $1,000. And there's some assumptions in there on how much investment

00:11:07.520 will earn and what have you. But that's a good, that's really kind of cool. The period before the

00:11:13.240 child turns 18 is known as the growth period for the Trump accounts. And that's the way it should

00:11:17.980 be, is that this is not money they're going to be pulling out before they're age 18. But after 18,

00:11:25.780 they can put them out for a variety of reasons, such as education or birth or adoption expenses,

00:11:31.260 up to $5,000 a child. Say if they get married and they need some help, maybe they're going to adopt

00:11:36.220 or maybe they need some help with their medical expenses if they're pregnant, they can do that.

00:11:40.960 Also, emergency personal expenses up to $1,000 a year or buying the first home. 0.99

00:11:45.900 So it can help with your down payment up to $10,000.

00:11:48.840 And these are subject to different tax rules.

00:11:51.800 In other words, when you pull it out, whatever the earnings are, there'll be taxes on that.

00:11:57.320 But it won't be taxes on the entire account as long as that money stays in there.

00:12:03.080 And 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.

00:12:18.480 That's about what the S&P 500 has done over the last, you know, 100 years or so, eight, nine years.

00:12:24.280 The Trump accounts.gov website projections show an account could grow to approximately $13 million by age 55.

00:12:32.220 So just think about that.

00:12:34.300 And again, it may be very hard to put in 5,000 a year.

00:12:37.340 There are plenty of times that I couldn't have done that when our kids were little.

00:12:40.420 But whatever it is you can do is going to be a positive for your kids.

00:12:45.400 And if they keep doing that, okay, even after age 18, that's going to be really, really good.

00:12:51.800 Now, the question came up earlier when the listeners asked about,

00:12:54.660 should I do a Trump account or 529 or do both?

00:12:58.340 Well, 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.

00:13:13.020 For example, Peter would have four more years.

00:13:15.140 My 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.

00:13:25.380 because I could put in $5,000 a year for him or his mom and dad could.

00:13:30.520 But for newborns and for both newborns and older children,

00:13:35.660 if a family's main goal of saving and investing is paying for college,

00:13:40.300 then a 529 plan might be the better choice, all right,

00:13:43.760 because withdrawals are limited to education and are tax-free in a 529 account.

00:13:50.360 But if you want to have both because the because it's limited to education, that's how the tax free status comes in.

00:14:00.720 But in the Trump account, it's not limited to just paying for education.

00:14:04.980 And so it can be used for more things after age 18.

00:14:09.260 So you just have to decide. I think if you can afford it, then I would do both of them.

00:14:13.620 I don't think there's any question about it.

00:14:15.400 and it can actually create a pretty sizable savings account for your kids.

00:14:21.620 That's what I would do.

00:14:23.400 So anyway, I think it's a good thing, and we'll see how the response is,

00:14:29.680 and I think it'll be awesome.

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00:15:53.560 the housing crisis because we know that it's been very difficult for especially for young people

00:15:57.660 to buy homes. In fact, I saw a stat the other day that the average age now for the first time home

00:16:02.760 buyer is 40 years old. And you might think, what has gone on? And all of us have seen prices go up

00:16:08.960 and interest rates went up. But what we may not really fully understand, and again, this is just

00:16:14.180 background. It's not necessarily something that you can do about it per se, but you need to

00:16:19.860 understand where things come from. And that the housing prices went up significantly during the

00:16:27.320 time that Biden was president. And a lot of that, or some of that anyway, was due to the

00:16:34.800 illegal immigration surge. And it triggered at least a 30% rise in home prices and a 20%

00:16:42.920 rise in rents. And this is according not to some partisan organization, but this is according to

00:16:49.040 the Dallas Fed. You heard of the Federal Reserve Board, and there's different offices around the

00:16:56.480 country, and Dallas is one of those. And the Dallas Fed put out a paper that talks about

00:17:01.320 the impacts of unauthorized immigration in the U.S. labor and housing markets,

00:17:06.300 new evidence from the administrative microdata. And this is their research department working

00:17:12.980 paper. The papers from the Dallas Federal Reserve Bank suggest that the surges in illegal immigration

00:17:19.600 during the Biden administration may have played a significant role in illegal immigration and

00:17:25.000 and rising house costs. The researchers examined immigration court records and government data

00:17:31.160 to study the effects of large unauthorized immigration between 21 and 24, and that they

00:17:39.260 found that while the influx of workers boosted employment with little measurable impact on wages,

00:17:45.560 it also increased demand for housing in areas where supply was already limited. So places that

00:17:52.680 are growing fast, like Texas and a lot of the other red states, there have been a pressure

00:18:00.380 on housing because it's growing faster than we can build houses, and the illegal immigration

00:18:05.560 has contributed to that. The Economist estimates that unauthorized immigration accounted for

00:18:12.280 roughly 30% employment growth and about 30% of home price growth and 20% of rent growth,

00:18:21.000 as I said earlier, in the average metropolitan area during that period, some more, some less,

00:18:25.840 depending on where you were. And Vice President Vance talks about this. And even though he

00:18:33.240 makes a statement that may seem to be pretty outrageous, the liberal organization PolitiFact

00:18:39.240 rated it as true. So here's what Vice President Vance had to say.

00:18:44.760 We're also getting all of those illegal aliens out of our country, and you're already seeing 0.98

00:18:49.620 start to pay some dividends. Let me give you a very clear statistical example. 0.99

00:18:53.940 Under the Biden administration, the price of a new home literally doubled in four years. It went up

00:18:58.420 100 percent. Under the Trump administration, housing and rent prices are up about one to

00:19:04.200 two percent. That's actually in line with what you would like to see. Now, of course, the challenge

00:19:10.100 is even though they're only up one or two percent, they're up only one or two percent

00:19:15.700 over the doubling, or according to Vice President Vance,

00:19:19.960 the doubling of House process during the Biden administration. 1.00

00:19:23.000 So while it's gone a lot better since we've removed most of the illegal immigrants 0.98

00:19:28.940 or a lot of the illegal immigrants that are in this country, 1.00

00:19:31.380 I wouldn't say most of them by any means, but a lot of them,

00:19:34.000 and we certainly have shut down the border, I think, as low as it has been since 1970, 0.94

00:19:40.380 which is incredible.

00:19:41.700 Over the last 50, what, 55 years, it's the lowest it's ever been.

00:19:45.700 but the increase is an increase on an already higher price, so that still makes it difficult.

00:19:51.240 We still need interest rates to come down for people to be able to afford to buy a home at current prices.

00:19:59.200 The other thing that, again, I encourage you is to look for places to live that aren't so expensive,

00:20:05.360 and I understand what your job scenario is, that you may not be able to do that,

00:20:11.180 But a lot of people have opportunity to work remotely.

00:20:15.140 And 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.

00:20:21.180 And, again, we're going to be living in our homes longer.

00:20:24.280 I 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.

00:20:32.600 It'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.

00:20:38.660 And 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.

00:20:45.300 And I certainly understand that.

00:20:47.460 Here's a good example of proving what has happened.

00:20:51.100 If 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.

00:21:08.660 called TPS, that Trump has been wanting to do that. Some federal judges stopped him from doing

00:21:13.100 it. But then the Supreme Court says, yeah, the executive department of the government has the

00:21:19.840 ability to do that. And this affected about 330,000 Haitians that, remember, we had allowed

00:21:27.320 to come over here temporarily. And of course, they've continued to stay. In fact, 30% of the 1.00

00:21:32.740 Haitians living in the U.S. are homeowners after years of extensions of their TPS. So that's an 0.92

00:21:39.540 example of how non-citizens, and in these cases, these people were here legally, okay? I want to 0.67

00:21:46.760 make sure that you understand that. But they shouldn't have had their temporary status

00:21:52.220 continue to be extended. Once the earthquake, hurricane crisis over down there, they should

00:22:00.000 have been forced to go back or either come through the legal manner for immigration here.

00:22:06.400 63%, here's another stat for you, 63% of non-citizen households also are on welfare

00:22:13.160 programs compared to just 35% of citizen households, which is, so not only are they 0.98

00:22:21.100 having a drain, illegal aliens have a drain on our housing system and cause you and I 1.00

00:22:27.380 to pay more, they also have a drain on our whole financial system, entitlement system, 1.00

00:22:35.280 because 63% of them get some type of free government benefit, which is amazing. I don't

00:22:42.020 think illegal immigrants should get any government benefits. I'm sorry. That's not the role that we 1.00

00:22:48.480 should do. I know some of the courts disagree and some court rulings have disagreed with me on that,

00:22:52.960 But I believe that very, very strongly.

00:22:56.920 7.2 million illegals entered under Biden, and that doesn't include the gotaways.

00:23:02.140 Remember, that just includes what they recorded, and that doesn't include all the gotaways.

00:23:07.620 And 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.

00:23:16.420 That number, some people believe, is as high as 40 million today, which puts a big strain on our economy.

00:23:23.520 And yes, they do provide some services.

00:23:25.380 I know that a lot of them are just hardworking people, and we need to have a better way for them to get here legally.

00:23:31.620 But until that time, people need to come through the system.

00:23:35.820 In fact, if we would make them come through the system, then I promise you the system would change pretty quickly

00:23:42.300 because we do need to have a more efficient process.

00:23:45.400 No question about that.

00:23:48.340 So that's kind of one of the big reasons for the housing prices the way that they are.

00:23:54.160 I don't see them going backwards unless the country goes into a huge recession,

00:23:59.940 and that has a lot of other negative implications to that, and I don't see that happening.

00:24:05.560 Um, but housing prices are a problem. And one of the ways that we can help solve the problem

00:24:13.680 is by, first of all, keeping out illegals. Secondly, building more houses and thirdly, 1.00

00:24:20.600 reducing interest rates and all of these things, you know, all these things take time.

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00:26:11.600 We're going to talk about the Kids Act. I don't know how many of you have been following this.

00:26:15.380 We talked about it a little bit in the past. In fact, I had my former colleague and good friend,

00:26:22.060 Giovanni Capriglione, who is a state representative in Texas that authored the cybersecurity

00:26:31.100 legislation and also legislation protecting rules around AI and social media and what it does with

00:26:40.180 children and what have you. So we've talked about this in the past, but I want to talk a little bit

00:26:45.140 more about it today because there's actually a bill in the U.S. House that was passed,

00:26:51.660 bipartisan actually, called the Kids Act by a vote of 267 to 117. And what it would do,

00:26:59.400 prohibit companies from using miners' personal data for targeted advertising and place new rules

00:27:06.940 on how AI chatbots and online games interact with children. I think that's important. We'll talk

00:27:14.780 about some of the people that disagree with that in just a minute. It would also require

00:27:19.080 pornography websites to verify users' ages before allowing the access and with their goals to reduce

00:27:25.020 children's exposure to explicit content. There was a Senate version of this that also included

00:27:30.780 something called a duty of care that would have legally required online platforms to take

00:27:35.780 responsible steps to prevent or reduce foreseeable harms to children, such as promoting dangerous

00:27:41.500 content addictive features or exploitation the house bill doesn't have it in that of course the

00:27:47.020 social media and online companies lobby strongly strongly against that and the house version left

00:27:54.200 it out and we'll see what the senate does with it as it goes over because eventually they'll have

00:27:58.640 to come to some type of understanding and the critics argue that taking the duty of care out

00:28:06.100 weakens the protections for children. I can see why they would say that.

00:28:10.500 However, there are some senators and congressmen that don't agree with that.

00:28:17.220 In fact, our friend Thomas Massey, who when I say a little bit tongue-in-cheek,

00:28:21.720 although I know a lot of you people like Thomas Massey, and I like some of the stuff he does.

00:28:25.320 I just think he goes about it sometimes in the wrong way.

00:28:29.020 But he was against it for sure, and here's a screen of his statement, and I'll read it for you.

00:28:35.160 This 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.

00:28:49.260 Senators like Mike Lee, Rand Paul, and Ron Wyden voted against a similar bill in the Senate two years ago.

00:28:55.400 So anyway, he's against that because he thinks it's too much government intrusion.

00:29:00.360 And I understand that. One of the challenges that you have is anytime you want more security, you will absolutely give up liberty.

00:29:09.040 All right. That's what happened after 9-11 when all the TSA stuff at the airports.

00:29:14.680 We gave up some of our freedom in order to get more security.

00:29:18.340 And there's always a battle for that. And I don't I come down on different sides depending on the issue.

00:29:24.040 I 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.

00:29:34.960 And just it's part of our lives.

00:29:37.020 So therefore, we need to protect it.

00:29:38.720 Just 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.

00:29:51.960 And that was a big issue.

00:29:53.780 People thought that was too much government intrusion.

00:29:56.320 I know when I was a little kid, I don't think we ever wore seatbelts, as far as I can remember.

00:30:01.160 But, again, the bill passed, and in exchange for losing some liberty, we got more safety and security.

00:30:09.700 And that's one of the things, obviously, now, I wouldn't ever think about getting in the car without buckling my seatbelt,

00:30:15.900 certainly not having the seatbelts buckled by the kids and what have you.

00:30:20.320 And that's one of those things that I think was for the betterment of the country and betterment of society.

00:30:27.920 And so that's what this is about. We'll see how it ends up working out.

00:30:33.240 I do believe something will pass. One of the questions were, what was the thoughts on the Kids Act passing?

00:30:41.900 And I absolutely think it will pass. Now, let's talk about some more viewer questions.

00:30:46.320 We always get a bunch of questions. And again, you guys have great questions.

00:30:50.320 And 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.

00:30:55.520 But the first question we're going to go over is politics related.

00:31:00.120 And, you know, in the Republican Party and the Democrat Party, honestly, there is a lot of fracturing going on.

00:31:08.500 You 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.

00:31:20.700 And we'll see in November how those turn out.

00:31:24.200 But 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.

00:31:40.620 In 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.

00:31:51.980 They 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.

00:32:04.360 And then Don Huffines, who is going to be our comptroller, who basically takes care of the money for the state.

00:32:10.620 and people said, well, what are my thoughts on that?

00:32:13.940 Well, I think that we fight that out in the primary,

00:32:16.560 and once the nominees pick, that Republicans should all come together

00:32:20.620 and vote for our nominee.

00:32:22.980 And yes, there are people, we are human.

00:32:26.000 There's no candidate that's going to be perfect.

00:32:29.240 In fact, Jesus Christ is not on the ballot, and we have flawed candidates.

00:32:34.620 There's flawed people throughout history.

00:32:37.140 Think about King David, a man after God's own heart,

00:32:39.960 How flawed was he in some of his own human activities?

00:32:44.500 And Solomon, the wisest of all in some of his activities and how God responded to some of that and how he grieved God.

00:32:51.240 But we have the same thing in our politicians.

00:32:55.000 But what we have to do, as I've said before, it comes down to a binary choice.

00:32:59.500 It 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.

00:33:09.220 And 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.

00:33:20.700 And there's no question in my mind that Republicans have the best policies.

00:33:24.840 If 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.

00:33:40.680 And 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.

00:33:49.680 Again, we fight it out over people in the primaries.

00:33:52.600 We vote for policy in the general elections.

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00:35:03.080 The next question was, why is Texas allowing all the mosques to be built? Well, listen, under our 0.99

00:35:10.400 law, it is a freedom of religion. We cannot stop

00:35:13.920 mosques from being built. Now, you can 1.00

00:35:17.260 put some ordinances in on where they can be built, but it would be

00:35:22.380 just like your church, okay, on what church you go to. Now, I don't

00:35:26.440 agree with anything about what is taught 1.00

00:35:30.520 under Islam, as you know, but if they are here

00:35:34.440 legally and they go through all the same process and

00:35:38.400 procedures that we go through, let's say in a Baptist church or a Methodist church or a

00:35:42.780 non-denominational church, we can't stop them from having. Now, if they're having an establishment,

00:35:50.140 having a building where they go to church, now, if they're carrying on illegal activities,

00:35:55.260 we can certainly do something about that. But I don't see under the current scenario how we

00:36:00.180 could stop that if they meet all of the particular criteria. I don't like it any more than you do,

00:36:05.980 But I don't know how we could stop that from a secular standpoint.

00:36:10.820 Next question.

00:36:11.660 Thoughts on Vice President Vance's future?

00:36:14.660 He seems so guarded.

00:36:16.000 What does he stand for?

00:36:17.600 Well, I think if you go back, and you probably have,

00:36:20.080 but I think if you listen to Ali's interview with him and watch that,

00:36:22.860 that you'll learn a lot about where his heart is.

00:36:25.720 And I think he stands for a conservative government.

00:36:29.140 I don't think he'll be quite the populist that Trump was, if I had to guess.

00:36:35.620 But I think he stands for life.

00:36:38.400 He stands for conservative governance.

00:36:39.720 He stands for a strong military.

00:36:41.360 I think he stands for lower interest rates.

00:36:43.760 I think he stands for a secure border.

00:36:45.680 I think he stands for all the main things that you and I stand for.

00:36:50.700 It doesn't mean he's going to be the nominee.

00:36:52.440 It doesn't mean that I'm going to support him because there are probably other people that stand for similar things,

00:36:57.300 and maybe I'll align more with them.

00:36:59.360 We'll just have to see how that works out over the next couple of years.

00:37:04.340 Next question is, should conservatives be more proactive in our marketing messaging to young women?

00:37:08.760 Absolutely.

00:37:10.300 And I think Allie is one of the leading people that do that as a conservative, not as a Republican, but as a conservative.

00:37:17.360 We 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.

00:37:29.620 In 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.

00:37:46.680 They use that against us. And that's something that we end up having a guilt complex over.

00:37:52.860 And we need to make sure that people need to make sure that they understand what toxic empathy is.

00:37:58.660 And I believe that her book does a really good job at that.

00:38:03.120 Next question is people always ask, why don't Republicans want to take care of the poor?

00:38:06.920 Well, that's certainly not an accurate statement. Republicans want to take care of the poor.

00:38:13.440 They just don't believe that government is the best way to do that.

00:38:17.840 In fact, the stat I talked about earlier in this particular episode, 63% of non-citizens are on welfare.

00:38:26.980 That's not a good program. 0.55

00:38:29.480 That's not giving a hand up.

00:38:31.480 That's giving a hand out.

00:38:33.140 What Republicans believe is that we should, and I've been involved in a lot of these,

00:38:37.420 and still involved in a big program called Alliance for Opportunity with several think tanks,

00:38:42.180 where we want to make sure that there are incentives for people to be self-sufficient.

00:38:48.980 And yes, we are called on to take care of the orphans and the widows.

00:38:52.820 I'm not sure the government's called on to do that, but we as Christians are,

00:38:56.340 and we should do as much of that through our churches and our Christian and religious nonprofits that we can.

00:39:04.160 But we absolutely want to help the poor.

00:39:06.380 In 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.

00:39:24.640 I don't know that for sure because I'm not sure exactly how you check that out.

00:39:28.400 But my guess is that would be the case just based on how I know conservatives are actually very generous people.

00:39:37.400 Next question. How can a couple with young children make it on one income?

00:39:41.020 I do think it's difficult. Lisa and I did that for several years, but I think you can do it.

00:39:44.880 I 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.

00:39:50.680 You have to live in a place that allows you to do that.

00:39:53.360 And, you know, you're going to not you're not going to be able to have some of the things that other people have.

00:39:59.860 But if it's important to you that one of the parents stay home, then it's really all about sacrifice.

00:40:07.200 Obviously, 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.

00:40:20.840 Maybe an in-home business, something like that.

00:40:22.840 but it's difficult. There's no question about it, but I believe that those of you that decide

00:40:27.640 to do that and feel called to do that will be honored for that in the long run.

00:40:31.800 What's the best way to pay off debt? I've always thought the best way to pay off debt

00:40:35.660 is to look at what you have that's charging the highest interest rate and try to load up on that

00:40:42.660 and pay that off as fast as you can, then move to the next thing. That's what I think. You also

00:40:48.840 might need to take a second job until you can get debt paid off. And I've seen people do that.

00:40:55.560 I've seen my own mom do that. And I think that's a good thing to do.

00:41:01.860 Let's see here. Building a new house and keeping your marriage strong.

00:41:05.600 Oh, that's a good one. Yeah, I think you have to decide. Lisa and I have been through this

00:41:11.880 a couple of times, actually. Yeah, we've been through this a couple of times. We've

00:41:17.460 We built from the ground up twice, and then we finished a home out another time, and we've done some remodeling.

00:41:24.820 Lisa loves to remodel stuff.

00:41:26.220 She likes a project, and I like projects too.

00:41:30.160 I think you have to have a clear understanding going in.

00:41:33.340 Usually someone, there's one of you that's really thinking about the design and how it's going to look,

00:41:39.020 and the other one's thinking about the budget.

00:41:41.080 You have to have a meeting of the minds up front.

00:41:43.260 and while there will always be some things that don't work out exactly so it may cost a little

00:41:49.620 more you need to talk about those things and you need to have a decision on how much you're willing

00:41:58.100 to spend on whatever it is that you're doing and each particular area you can't it's not going to

00:42:05.980 be right to get into it and then say well I really want to do this I really want to do that that just

00:42:12.100 creates animosity and you don't want to do that. But you also got to remember that a house is just

00:42:17.980 a thing. All right. And a thing is not as important as a relationship. And there's going to require

00:42:24.700 some give and take on both of you to be able to get that, you know, to be able to get that done.

00:42:29.300 But don't let a thing come in between people. That would be a negative as far as I can see it.

00:42:36.760 All right. How to leave and cleave when you're the only one taking care of a special needs sibling.

00:42:41.120 And 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.

00:42:50.320 But 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.

00:42:58.300 That's a discussion that you need to have settled before you got married.

00:43:02.120 Hopefully, I'll have that conversation.

00:43:04.420 And while your husband or your wife is now the person that you're tied most to,

00:43:09.760 we have a responsibility, and you know how I feel about this.

00:43:12.680 We have a special needs son.

00:43:14.820 And so I do think it's important that families take care of those people.

00:43:20.280 I think it's just one of our obligations to do it.

00:43:22.800 It's just like taking care, we talked about a minute ago, of widows and orphans.

00:43:25.880 This is even more direct than that.

00:43:27.620 So hopefully your spouse will understand that.

00:43:30.060 I don't think that you should neglect your spouse.

00:43:32.160 Use that as a reason to neglect your spouse.

00:43:34.460 But I think you can come together and figure out what's fair, all right?

00:43:38.160 You can't be totally focused on one and not at all on the other.

00:43:42.340 There has to be a blend there.

00:43:44.280 And again, even the special needs child or special needs sibling is not going to get everything they want.

00:43:49.520 They would like for you to be with them 100% of the time, but you can't do that.

00:43:52.640 And they may or may not understand it as well, but it has to be that way because you do certainly have an obligation.

00:43:58.780 and you have a desire for your spouse

00:44:01.420 and spend time in cleaving to them.

00:44:04.160 I understand that.

00:44:05.180 But I think it's something that you and your spouse

00:44:07.080 have to have a sit-down discussion.

00:44:08.920 You might need some counseling on that,

00:44:10.740 but need to have a discussion on that.

00:44:16.780 Let me tell you about Christian Women for America. 0.95

00:44:19.760 All across social media entertainment, 0.78

00:44:21.680 even in our schools,

00:44:22.660 children are increasingly exposed to messages

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00:44:26.460 sexual exploitation and often parents don't even know about it and that is why concerned women for

00:44:31.840 america which is the nation's largest christian public policy organization for women is taking

00:44:38.740 action through advocacy education prayer cwa equips parents grandparents churches communities

00:44:45.080 with trusted resources to help protect and guide the next generation they're fighting for families

00:44:49.480 and girls in state legislatures congress and even before the supreme court this title nine months cwa

00:44:54.900 has launched the Defend Our Girls

00:44:56.820 campaign. When you give $20 or

00:44:59.000 more, you'll receive your choice of one of

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00:45:07.260 you'll receive both resources.

00:45:09.400 Go to ConcernedWomen.org

00:45:11.080 slash Allie. Make your donation 0.62

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00:45:14.760 slash Allie.

00:45:20.280 My husband works three out of 0.75

00:45:23.080 every four Sundays, I bring kids to church alone. What's your advice? Well, first of all,

00:45:27.400 I'm so proud of you for doing that because the easiest thing to do would be to stay home.

00:45:31.020 But thank you for doing that. What I would recommend that you do is have another time,

00:45:35.020 maybe Sunday evening is when your husband's home from work, it's to sit down and talk about and

00:45:41.580 have the kids around to talk about what they talked about at church that day. What did they

00:45:45.200 learn? What questions they have? And I don't mean, it's not going to be a sermon by your husband or

00:45:49.600 by you, but just something y'all talk about. So it kind of brings Sunday back together with

00:45:55.560 everybody participating in it and that he also feels a part of it. That's what I would do.

00:46:01.560 How to be the Christian leader example in your home for your family. As I've talked about before,

00:46:05.980 the number one way to do that is be the same. Be the same at home as you are out. If people,

00:46:11.840 if your kids see you as a hypocrite or your wife see you as a hypocrite, 1.00

00:46:15.240 then they're not going to respect you. 0.99

00:46:17.780 And so while we need to be doing the things out in public that we do at home

00:46:24.920 and conducting ourselves in the manner,

00:46:26.680 also I think your kids knowing that God is important in your house

00:46:31.860 and that they see you in the Word

00:46:34.040 and they know that you're having a regular quiet time

00:46:38.400 and that you're praying with the families praying.

00:46:41.240 I told you about how we get together once a week over Zoom

00:46:44.620 because our family's scattered around the country

00:46:46.880 and have a prayer time for the family.

00:46:50.160 The adults do anyway.

00:46:51.500 I look forward to the grandkids as they get older

00:46:53.620 to participate in that.

00:46:55.280 And so doing things like that, I think,

00:46:58.160 will be a big positive and setting that example

00:47:00.940 that they'll not forget.

00:47:03.300 What's the best approach for toddler tantrums?

00:47:05.580 Boy, I'll tell you what, you hit me at a good time

00:47:07.540 because as I told you in the first part of the episode,

00:47:09.940 we had all of our grandkids up here for a while

00:47:13.520 and we heard some tantrums, that's for sure.

00:47:16.740 And here's what I tell you,

00:47:17.740 the best approach is to be a grandparent

00:47:19.640 and you can just walk into the other room.

00:47:21.640 But no, joking, I don't know that I'm the best person

00:47:25.020 to ask about that,

00:47:27.120 but I think what Allie would tell you

00:47:29.200 is that in some ways that,

00:47:33.160 and I think Lisa would tell you this too,

00:47:34.620 in some ways you have to realize what they are.

00:47:36.220 They're just tantrums now.

00:47:37.540 Again, you have to have some boundaries

00:47:39.220 that you won't allow,

00:47:40.760 But having a little bit of a fit is not something that is the end of the world.

00:47:48.540 But I do think that there are boundaries that they need to know that there are consequences to their actions,

00:47:53.620 whether that's going and Allie used to have what Lisa used to call their crying chair.

00:47:57.420 It'd be a little chair she'd have to go sit in when she couldn't, you know, understand why she couldn't get her way. 1.00

00:48:02.700 And she'd pitch a fit when she was a little girl.

00:48:05.780 And Lisa would say, OK, you've got to go get in your crying chair. Right.

00:48:10.280 And again, I'm not opposed to paddling if that's what you think is right.

00:48:15.340 Again, you have to do that in the right manner.

00:48:17.700 Don't do it when you're angry.

00:48:19.020 You have to don't do it where it will injure them.

00:48:21.380 But sometimes a pad on the rear end with a wooden spoon or something like that might get their attention as opposed to just ignoring them.

00:48:31.540 All right.

00:48:31.880 I told you that we were going to finish up these sessions, hopefully going forward with some good news.

00:48:37.140 And I want a couple of good news stories that I want to go over with you that I think are kind of cool that I ran across this week.

00:48:44.860 I want to I want to really, really praise the state of Indiana and governor, Governor Mike Braun. 0.73

00:48:52.600 June was Nuclear Family Month.

00:48:56.500 And if you remember what a nuclear family is, it's where a mom and dad are in the home raising their children.

00:49:01.580 And that, you know, so we had all this Pride Month or whatever that was.

00:49:07.520 But Indiana, I tell you what, we're going to celebrate traditional families. 0.64

00:49:11.720 And so they declared June Nuclear Family Month. 0.98

00:49:15.280 That is such a good thing. 0.96

00:49:16.520 And I hope other states will follow their lead in the future.

00:49:22.140 The sad part is that in our society, only 35 percent of black children live with their mom and dad.

00:49:31.580 both their mom and dad, as opposed to 70% of white children.

00:49:36.360 And if you want to know why there are challenges in different communities,

00:49:43.220 it usually comes down to the breakdown of the family.

00:49:46.080 Now, I think a part of the reason for the breakdown of the family

00:49:49.000 is what we talked about earlier, and that is we have tried to give people handouts

00:49:54.140 instead of hand-ups, and I think people want hand-ups,

00:49:57.080 and we have got to figure out a way in our society to do a better job at that.

00:50:02.100 The second thing that I found good news is that there's more and more what they call grandfamilies,

00:50:11.400 and that's where grandparents are actively engaged in their grandchildren's lives.

00:50:17.340 In some cases, they're having to raise them, okay, and praise the Lord for them.

00:50:21.440 That's very difficult to do.

00:50:23.260 But believe me, God made us to have kids when we were younger, little kids anyway, when we were younger, and not as we get older.

00:50:32.660 It's much harder on us to do that.

00:50:34.780 But having your grandparents, your parents, your kids' grandparents involved in the lives of your kids is really important.

00:50:44.680 And I know that one of the best times I ever spent in my growing up age was when I lived with my grandparents one summer.

00:50:55.160 I still remember so many things from that summer.

00:50:57.600 It's so impactful for me.

00:50:58.860 And then having my mom live with us for 17, 18 years, she lived with us and the impact she had on our kids.

00:51:07.480 So just encourage it.

00:51:08.860 Thank you, grandparents.

00:51:09.700 If you're a grandparent out there, get involved with your grandchildren.

00:51:12.500 It's a really cool thing to do.

00:51:14.240 And again, if they get too out of hand,

00:51:16.420 you can hand them back to your parents

00:51:18.080 and take it to your kids and say,

00:51:19.300 hey, Grandma and I are going to dinner, right?

00:51:22.220 So anyway, thank you for your time today.

00:51:24.200 Appreciate it.

00:51:24.840 Always thank you for supporting.

00:51:26.540 If you're interested in getting my book,

00:51:28.340 you can buy it on Allie's merchandise site,

00:51:31.300 Life Lessons from the Little Red Wagon.

00:51:33.200 If you want an autographed copy, just email me,

00:51:36.460 and I'll be happy to autograph that to you

00:51:38.320 and send it to you.

00:51:38.920 I think it costs 20 bucks,

00:51:40.080 but just let me know again

00:51:42.900 and we'll look forward to seeing you down the road

00:51:45.760 hope you have a good rest of the weekend

00:51:48.520 have a good day

Relatable with Allie Beth Stuckey - July 10, 2026

Trump Accounts： Scam or Millionaire Hack？｜ Ron Simmons

Episode Stats

Summary

Transcript

Relatable with Allie Beth Stuckey - July 10, 2026

Trump Accounts： Scam or Millionaire Hack？ ｜ Ron Simmons

Episode Stats

Summary

Transcript

Trump Accounts： Scam or Millionaire Hack？｜ Ron Simmons