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You know, that would feel like they have no debt.

Yeah.

Yeah.

Yeah.

Mm-hmm.

Mm-hmm.

Mm-hmm.

I hear you.

Mm-hmm.

All right, this is getting weird over there, guys. What do we do?

They think they're not going to die or something? Well, I used to be one of those guys. I didn't even think about it. And one of my buddies said, hey, the only reason to not have life insurance is if you hate your wife and kids. And I immediately went and got term life insurance. That's a gut punch. For decades, Dave, I've sat across people who've lost a spouse.

They've lost somebody important to them. Me too. And they don't know what to do next. Terrifying.

Yes, yes.

Yes, yes.

Yeah, yeah.

We had a question about tithing. Is tithing specifically supposed to be used for the church? Or if we are in a church that is currently declining, is it okay for our tithe to be donated to Christian organizations such as a pro-life organization or something of that sort? I just wanted to kind of find out what you believe is a biblically sound answer to that question. Thank you.

Thank you.

Thank you. Thank you.

Thank you. Thank you.

Yeah.

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Mm-hmm.

Yeah.

My house shall be called the house of prayer, but you make it a den of thieves.

Like the deck stacked against the little man. You just can't do it. You're going to die. You die before you get your money.

Mm-hmm.

Okay.

It's nothing.

Mm-hmm.

Okay.

Well, good for you.

Okay.

The human condition is just the human condition. It is, yeah.

It is the condition we're in.

All right, this is getting weird over there, guys. What do we do?

Mine went me, me, me, me.

I want experiences.

Yeah.

Yeah.

Hey, thank you for taking my call. Sure. So I'm on baby steps four, five, and six. And I recently met with a financial advisor about opening up a 529 plan for my daughter. And she went over all the fees and the stuff.

And then I started wondering if it's better for me to just open a plan directly, like through Vanguard or something like that, instead of using the advisor to stay on fees and all that. I don't know what's your opinion on that.

Hi, thanks for taking my call.

Um, so my partner and I, uh, just, uh, we're about to close on a house in early May, our first house. And, uh, we want to know like about how much we should expect to be, uh, putting into renovations. We plan on selling in about five years.

So not a lot. It's in pretty good condition. There's a couple of things. The roof needs to get done, but the seller is doing a credit for that. The other thing that is pretty imperative is just the, there's a little bit of pest eradication to do. And I don't expect that to be super expensive.

Yeah, those are just fixing it up. Yeah, so we wanted to make it – the kitchen is pretty small. We want to maybe make the kitchen more appealing, at least up here bigger. So we want to, like, lighten it up. And then we were thinking of doing the bathroom as well, like retiling and maybe the floor. We don't –

we don't have a lot of experience with this kind of thing so okay so um the homes in a five block radius of that do their kitchens look like you want the kitchen to look or do they look like the kitchen you're buying um i think they're a little they're a little bigger they're uh the houses are not super nice right there so they're not uh you know they're not super big it was a 315 000 house it's

Our first house is a three-bedroom, and it's not very big.

Okay.

All right, this is getting weird over there, guys. What do we do?

Woe to you scribes and Pharisees! How will you escape being condemned to hell?

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You know, one of the first things I discovered working in the financial world is how absolutely devastating it is when the breadwinner of a family dies. And there's too little life insurance or none at all. Grieving families are suddenly left behind scrambling to pay bills and trying to make ends meet.

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Yeah.

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See, we're all just saying something. Why are we saying it?

This show is sponsored by BetterHelp. All right, so I was born and raised in Texas, and I love the myth of the lone cowboy. You know, the guy who doesn't need anyone or anything. It's a fun story, and it's a lie. In our self-obsessed society, we're obsessed about our own diets, our own workout routines, our own jobs, our own social media feeds, everything.

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Yep.

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