Latest / Dr Justin Coulson's Happy Families / #1191 - Should You Pay for A's? The Pocket Money Debate

Transcript

#1191 - Should You Pay for A's? The Pocket Money Debate · Dr Justin Coulson's Happy Families

• 0:05
  Speaker 1: Pocket money, how much? How often is it LinkedIn chores?
• 0:10
  Speaker 1: Our views have evolved on pocket money. Today we will
• 0:13
  Speaker 1: answer as many questions as we possibly can to help
• 0:16
  Speaker 1: you to get the pocket money mixed right, because it's
• 0:18
  Speaker 1: one of those perennial parenting problems and that's what we do.
• 0:22
  Speaker 1: We solve real parenting solutions every day. Welcome to the
• 0:26
  Speaker 1: Happy Families Podcast, Australia's most downloaded parenting podcast. I'm Justin.
• 0:29
  Speaker 1: I'm here with Kylie, my wife from under our six kids.
• 0:32
  Speaker 1: Every Tuesday on the podcast, we answer your tricky questions
• 0:35
  Speaker 1: about family and relations ships and wellbeing and screens and
• 0:39
  Speaker 1: discipline and the list goes on. If you would like
• 0:42
  Speaker 1: to submit your own tricky question, please jump onto our website,
• 0:46
  Speaker 1: Happy families dot com dot you click the button that
• 0:49
  Speaker 1: says record and start talking. It's a super simple system.
• 0:53
  Speaker 1: If that doesn't work for you, just send us a
• 0:55
  Speaker 1: voice note podcasts at happy families dot com dot you.
• 0:59
  Speaker 1: Now for today is tricky question?
• 1:01
  Speaker 2: Hi Justin and Kylie, It's Elise here.
• 1:04
  Speaker 3: Really simple question for you.
• 1:06
  Speaker 2: I'm just struggling to work out how.
• 1:07
  Speaker 3: To do pocket money and whether we should pay for
• 1:10
  Speaker 3: chores or not.
• 1:11
  Speaker 1: Do you have any advice Kyler. To start the podcast today,
• 1:14
  Speaker 1: We're going to play a game. It's called yes and No.
• 1:17
  Speaker 1: Here are the rules. You must answer a whole bunch
• 1:21
  Speaker 1: of questions that I've got for you, and all you're
• 1:23
  Speaker 1: allowed to do is say yes or no. We want
• 1:25
  Speaker 1: to make this easy for any parent who's trying to
• 1:27
  Speaker 1: work out how to deal with the pocket money thing.
• 1:30
  Speaker 1: Are you ready for question number one?
• 1:31
  Speaker 3: What if I don't?
• 1:33
  Speaker 2: Yes?
• 1:33
  Speaker 1: That wasn't a yes or a no. I just asked
• 1:35
  Speaker 1: you a question. Are you ready and yes? You've already
• 1:38
  Speaker 1: blown it? Here we go? Okay? Question number one? Should
• 1:40
  Speaker 1: pocket money be a right rather than something earned through chores?
• 1:46
  Speaker 3: I don't like your wording. I can't answer.
• 1:49
  Speaker 1: Yes or no? Should pocket money be a right rather
• 1:52
  Speaker 1: than something earned through chores?
• 1:54
  Speaker 3: Sure? Yes?
• 1:55
  Speaker 1: Yes, so pocket money's a right? Yes, you don't earn
• 1:58
  Speaker 1: it through chores?
• 1:59
  Speaker 3: No?
• 2:00
  Speaker 1: Okay? Would I love? How hard? This is the easy question?
• 2:05
  Speaker 1: Would you continue giving pocket money if our children were
• 2:08
  Speaker 1: not keeping their room tidy?
• 2:10
  Speaker 3: Yes?
• 2:11
  Speaker 1: Through grid teeth? Would you give our child double pocket
• 2:15
  Speaker 1: money if they got straight a's no? Should we just
• 2:18
  Speaker 1: out annoyed? Should we give it?
• 2:20
  Speaker 3: I feel like I'm in an exam. You're just trusting
• 2:22
  Speaker 3: me out.
• 2:23
  Speaker 1: Should we increase pocket money automatically each year on our
• 2:26
  Speaker 1: children's birthdays?
• 2:27
  Speaker 3: No?
• 2:28
  Speaker 1: Would you? I thought we were on the same page.
• 2:30
  Speaker 1: You've just You've just gone from where I was going
• 2:33
  Speaker 1: to I think every okay. Would you stop pocket money
• 2:36
  Speaker 1: as a punishment for bad behavior?
• 2:38
  Speaker 3: No?
• 2:38
  Speaker 1: And the last one. Should we require our kids to
• 2:41
  Speaker 1: save a percentage of their pocket money as savings?
• 2:44
  Speaker 3: Yes?
• 2:44
  Speaker 1: All right, now, I've got a couple of fun ones
• 2:46
  Speaker 1: before we dive into the details. Have you ever borrowed
• 2:48
  Speaker 1: money from one of our children's piggybanks?
• 2:52
  Speaker 3: Oh? Maybe, back in the early days. Yes, I may have.
• 2:55
  Speaker 1: How bad it's that. Have you ever pretended not to
• 2:57
  Speaker 1: have change just to avoid paying the kids pocket money?
• 2:59
  Speaker 3: No? Have you? Actually? It was one of my favorite
• 3:03
  Speaker 3: things to do to sit down on a Sunday night
• 3:06
  Speaker 3: with the kids and pull out the money tin.
• 3:09
  Speaker 1: Have you ever found pocket money in the washing machine
• 3:11
  Speaker 1: and kept it?
• 3:13
  Speaker 3: I don't know if it was pocket money, but I
• 3:14
  Speaker 3: keep everything that I found in the washing machine.
• 3:17
  Speaker 1: Have you ever blamed me when you forgot to give
• 3:19
  Speaker 1: the kids pocket money?
• 3:20
  Speaker 3: Oh?
• 3:20
  Speaker 1: Yeah, all the time. Oh my goodness. All right, today
• 3:23
  Speaker 1: we answer the big questions, the tricky questions, the sticky
• 3:26
  Speaker 1: questions around pocket money. Let's unpack a couple of these.
• 3:29
  Speaker 1: First off, should pocket money be a right rather than
• 3:32
  Speaker 1: something earned through chores? You said pocket money should be
• 3:35
  Speaker 1: independent of chores. You just get pocket money, full stop.
• 3:38
  Speaker 1: End of story. Let's unpack that.
• 3:40
  Speaker 3: Well, the only reason I stumbled on that one was
• 3:42
  Speaker 3: because I don't believe it's a right that our children
• 3:44
  Speaker 3: get pocket money. I actually think it's a privilege.
• 3:46
  Speaker 1: Yes, So if you're a privileged position where you can
• 3:47
  Speaker 1: afford to pay the kids pocket money, you should do
• 3:49
  Speaker 1: it and not link it to them completing stuff in
• 3:52
  Speaker 1: the house. That's exactly right. All right, Let's explain why
• 3:54
  Speaker 1: we've talked about this. You and I have been raising
• 3:57
  Speaker 1: kids for twenty five plus years. Now, why did we
• 4:01
  Speaker 1: land there? Because it's very different to what a lot
• 4:03
  Speaker 1: of well known experts, including Scott Plaid Barefoot investor, would say.
• 4:07
  Speaker 3: Being part of a team, or in this case, part
• 4:10
  Speaker 3: of a family, requires a team effort for things to
• 4:14
  Speaker 3: function and flow properly. It's actually a privilege to be
• 4:18
  Speaker 3: a part of that team, to be a part of
• 4:19
  Speaker 3: that family, and things function when everybody plays a part.
• 4:24
  Speaker 3: Everybody takes a part, and everybody takes responsibility for how
• 4:28
  Speaker 3: things function.
• 4:29
  Speaker 1: That means that they bring their washing into the room,
• 4:32
  Speaker 1: it means to help with the dishes. It means that
• 4:34
  Speaker 1: they're involved in assisting in the house. That's part you
• 4:38
  Speaker 1: do is part of a family. But if that's the case,
• 4:42
  Speaker 1: what's the purpose of the pocket money.
• 4:43
  Speaker 3: Pocket money is about teaching our children financial literacy.
• 4:47
  Speaker 1: Great, great, so this is something that we're going to
• 4:50
  Speaker 1: discuss further in a moment. But chores are what you
• 4:52
  Speaker 1: do because you're part of the family. Receiving cash from
• 4:56
  Speaker 1: the parents is about teaching you about money and how
• 4:58
  Speaker 1: it works things. I know some people say, well money
• 5:01
  Speaker 1: works as in you get it for doing stuff, But
• 5:04
  Speaker 1: in this case, we're going to make the argument alternatively.
• 5:07
  Speaker 1: Our first pocket money rule is that money comes independent
• 5:11
  Speaker 1: of responsibilities. The second one was that we would continue
• 5:15
  Speaker 1: giving pocket money if our child wasn't keeping their room tidy,
• 5:18
  Speaker 1: which links directly with what we've just talked about. If
• 5:21
  Speaker 1: your child's not keeping their room tidy, threatening them with
• 5:25
  Speaker 1: no more pocket money is not going to start me
• 5:27
  Speaker 1: motivate better behavior in terms of room tidy.
• 5:30
  Speaker 3: Well, it just becomes a bribe, it becomes a carrot,
• 5:32
  Speaker 3: it becomes a punishment or a reward for being part
• 5:36
  Speaker 3: of the family. Yet again it doesn't It actually is
• 5:39
  Speaker 3: counterproductive to what we're actually trying to achieve.
• 5:41
  Speaker 1: And you know what happens as well, is you start
• 5:43
  Speaker 1: to get in the case of the kids and say, well,
• 5:45
  Speaker 1: you're just not going to get any pocket money, and
• 5:47
  Speaker 1: the kids have a bit of a rent and rave
• 5:48
  Speaker 1: they get upset because they need money. But then they
• 5:49
  Speaker 1: don't get the money, and you know what they do,
• 5:51
  Speaker 1: They start winging because I want money. And then you
• 5:53
  Speaker 1: try to say, well, if you kept your room tidy,
• 5:55
  Speaker 1: and it just leads to meltdones and they become less motivated,
• 5:58
  Speaker 1: not more motivated, tight of the room moreover, and I
• 6:01
  Speaker 1: think this is probably the more important thing. Research shows
• 6:05
  Speaker 1: that when you pay somebody for doing something, their motivation
• 6:08
  Speaker 1: for doing it increases while they're being paid. But once
• 6:11
  Speaker 1: you take away the carrot of the coins, once you
• 6:14
  Speaker 1: take away the pocket money, once you take away the incentive,
• 6:17
  Speaker 1: their motivation drops below where it had previously been.
• 6:21
  Speaker 3: But also, over a period of time, whatever the dollar
• 6:25
  Speaker 3: amount is that you've placed value on that job, it
• 6:29
  Speaker 3: no longer ceases to be enticing. So if I'm giving
• 6:32
  Speaker 3: kids five dollars to clean the car, after a while,
• 6:36
  Speaker 3: they'll go, you know what, I actually value the half
• 6:39
  Speaker 3: an hour that takes me to clean more than I
• 6:42
  Speaker 3: value the five dollars.
• 6:43
  Speaker 1: I think sitting on the couch is more fun than cleaning.
• 6:46
  Speaker 3: And that's why when you get frustrated your kids, they're
• 6:48
  Speaker 3: staring at the TV and they don't want to do
• 6:50
  Speaker 3: the jobs you've asked them. Even though it has a
• 6:52
  Speaker 3: money value to it, the currency no longer is enough
• 6:56
  Speaker 3: to get them out the door.
• 6:58
  Speaker 1: We both agreed that we would not pay our children
• 7:00
  Speaker 1: to get a's. This is a contentious one. So many
• 7:02
  Speaker 1: parents pay their kids bonus if they get a's on
• 7:05
  Speaker 1: their report card, a's and their exams. We don't do this,
• 7:09
  Speaker 1: and the central reason is that we want our children
• 7:12
  Speaker 1: to learn, because learning is great. And apart from that,
• 7:15
  Speaker 1: there's a stick in the carrot. That is, if you
• 7:18
  Speaker 1: don't get the A, you actually feel like you've been punished.
• 7:21
  Speaker 1: It's true that you can have some valuable conversations with
• 7:23
  Speaker 1: the kids and they can maybe become more motivated to
• 7:26
  Speaker 1: get the cash. But I don't want my kids to
• 7:28
  Speaker 1: be learning because it's about dollars. I want them to
• 7:30
  Speaker 1: be learning because learning is great. We disagreed on whether
• 7:34
  Speaker 1: or not we should increase pocket money automatically each year
• 7:36
  Speaker 1: on the birthday.
• 7:37
  Speaker 3: The reason I say no because it's not an automatic
• 7:41
  Speaker 3: We would sit down with our kids each year and
• 7:43
  Speaker 3: have a conversation with them.
• 7:45
  Speaker 1: He's say things to make But they always went up
• 7:47
  Speaker 1: on their birthdays.
• 7:48
  Speaker 3: No, they did, but it wasn't automatic because we talked
• 7:50
  Speaker 3: to them about it and we discussed with them what
• 7:53
  Speaker 3: they thought was a fair increase for them. So it
• 7:56
  Speaker 3: wasn't an automatic decision and wasn't arbitrary on our end.
• 8:00
  Speaker 3: There actually was some pretty heavy duty negotiations going on
• 8:04
  Speaker 3: in those conversations.
• 8:05
  Speaker 1: High stakes bidding for sheep farms. The last one that
• 8:08
  Speaker 1: we did both agree on should we require our kids
• 8:10
  Speaker 1: to save a percentage of their pocket money. We have
• 8:12
  Speaker 1: three SSA's that explain what we encourage our kids to
• 8:15
  Speaker 1: do with their pocket money.
• 8:17
  Speaker 3: Spend, save, and support.
• 8:19
  Speaker 1: So spend is obviously have fun with this kids, like
• 8:22
  Speaker 1: filly boots to whatever you want. Save.
• 8:24
  Speaker 3: We're saving for the future.
• 8:26
  Speaker 1: Yep, it might be a car, it might be we're
• 8:28
  Speaker 1: going to the Echa or the Royal Show or whatever
• 8:31
  Speaker 1: it is that you call it in your hometown or city.
• 8:34
  Speaker 1: Or we're going on a holiday as a family leader
• 8:36
  Speaker 1: in the year, and you're going to want spending money
• 8:38
  Speaker 1: because we're on the Gold Coast and you can go
• 8:39
  Speaker 1: to the theme parks. And then support is pick.
• 8:43
  Speaker 3: A charity, help them to recognize that there are other
• 8:47
  Speaker 3: people who are less fortunate than themselves and that they
• 8:50
  Speaker 3: can give a small portion of what they're receiving to
• 8:56
  Speaker 3: bless and benefit others.
• 8:57
  Speaker 1: Yeah, so we normally encourage ten percent for charity and support,
• 9:01
  Speaker 1: and we pretty much would look at about fifty percent
• 9:04
  Speaker 1: for savings, especially for younger kids, because their expenses are
• 9:06
  Speaker 1: so low, and that would leave them with a round
• 9:08
  Speaker 1: about forty percent that they can will save a little
• 9:10
  Speaker 1: bit for something like a book or a toy that
• 9:13
  Speaker 1: matters to them, but also that they can fritter away
• 9:15
  Speaker 1: on the things that they want, like some lollies down
• 9:17
  Speaker 1: at the local shop or something like that.
• 9:19
  Speaker 3: So, because we chose such a high percentage for savings,
• 9:22
  Speaker 3: fifty percent, that's huge as far as a kid's concerned.
• 9:25
  Speaker 3: That actually impacted the amount that we were giving them
• 9:30
  Speaker 3: to start with. So we almost doubled what they would
• 9:33
  Speaker 3: normally get in order to save that percentage.
• 9:37
  Speaker 1: Yeah, we really wanted them to learn the excitement that
• 9:40
  Speaker 1: comes from seeing your bank balance go up. Yeah, kinds
• 9:42
  Speaker 1: of like.
• 9:43
  Speaker 3: A salary sacrifice kind of concept that they were learning,
• 9:46
  Speaker 3: you know, us three and four and five year olds.
• 9:48
  Speaker 1: Something else that we did, and I'll just mention it
• 9:49
  Speaker 1: quickly because we're out of time. We would set a
• 9:52
  Speaker 1: goal with the kids, so we'd say, this is how
• 9:54
  Speaker 1: much you could set aside, and this is how much
• 9:56
  Speaker 1: you'll end up with at the end of the month.
• 9:57
  Speaker 1: But if you set aside a little bit extra up
• 10:00
  Speaker 1: at this amount, and guess what, if you can reach that,
• 10:03
  Speaker 1: then we will bonus you. We'll give you that amount
• 10:06
  Speaker 1: as well. So let's say it was fifteen dollars extra
• 10:09
  Speaker 1: by saving really hard, we'd match that bonus fifteen dollars.
• 10:13
  Speaker 1: We wouldn't give them the whole level. We'd matched the
• 10:14
  Speaker 1: fifteen dollars. Kind of sentence broke, but it was really exciting.
• 10:18
  Speaker 1: The kids love the progress. Okay, we've changed the way
• 10:20
  Speaker 1: we do pocket money these days. After break, we're going
• 10:22
  Speaker 1: to tell you.
• 10:22
  Speaker 4: How today we're talking about pocket money and well things
• 10:32
  Speaker 4: have changed with six kids across now twenty five plus years.
• 10:37
  Speaker 1: We used to be really really big on how we
• 10:39
  Speaker 1: did pocket money and all of the things that we've
• 10:41
  Speaker 1: shared with you just now explain that. But we do
• 10:43
  Speaker 1: things differently with our last couple of kids who are
• 10:46
  Speaker 1: still young enough to receive pocket money. Let's walk you
• 10:50
  Speaker 1: through that fairly quickly.
• 10:51
  Speaker 3: So previously we would sit down with them once a
• 10:53
  Speaker 3: week with their own pocket money budgeting.
• 10:56
  Speaker 1: Book, every Sunday morning or Sunday night, and they would.
• 10:59
  Speaker 3: Have the three categories listed and what the breakdown was
• 11:03
  Speaker 3: as you would in a normal household budget. They would
• 11:06
  Speaker 3: then have a graph that would actually show that they
• 11:08
  Speaker 3: could mark or for every dollar they saved or every
• 11:11
  Speaker 3: two dollars depending on their age group.
• 11:13
  Speaker 1: Literally watching their progress, yes.
• 11:15
  Speaker 3: So they could actually see it. And then the other
• 11:18
  Speaker 3: reason that the stretch goal was so important was because
• 11:21
  Speaker 3: sometimes they had no need to spend their money, but
• 11:24
  Speaker 3: then it would sit there and it would pile up,
• 11:26
  Speaker 3: and then they'd go to the shops and they'd just
• 11:28
  Speaker 3: fritter it away because they had it. And so we
• 11:31
  Speaker 3: brought in the stretch goal because it was like, well,
• 11:33
  Speaker 3: you've got all this money left over let's add this
• 11:35
  Speaker 3: to the bank account, because that's going to get you
• 11:37
  Speaker 3: to your goal quicker. So on top of the monthly
• 11:40
  Speaker 3: stretch goal, there was a yearly stretch goal. It's really
• 11:43
  Speaker 3: important to break it down and have really small, achievable goals.
• 11:48
  Speaker 1: Sometimes.
• 11:49
  Speaker 3: I don't think it was complicated. I think they really
• 11:51
  Speaker 3: got excited. They did, and our big girls specifically have
• 11:55
  Speaker 3: got beautiful bank accounts as a result that. Let's just
• 11:58
  Speaker 3: be really clear. They were not allowed to touch, and
• 12:01
  Speaker 3: I'm not allowed to touch until they finish high school.
• 12:03
  Speaker 1: Yep, so we've gotten kind of lazy. We don't do
• 12:05
  Speaker 1: this at all with our younger kids. I wish we did.
• 12:07
  Speaker 1: We probably need to start it again, especially with Emily
• 12:09
  Speaker 1: because she's still only ten and there's a few years
• 12:11
  Speaker 1: of that. The other kids are big enough that they
• 12:13
  Speaker 1: can go and get a job if they choose to,
• 12:14
  Speaker 1: and so that becomes their issue. Another thing, we don't
• 12:18
  Speaker 1: pay the kids any extra pocket money once they get
• 12:20
  Speaker 1: to fifteen. It stays on a really small amount. So
• 12:23
  Speaker 1: if they want extra cash, they either go get a job,
• 12:25
  Speaker 1: or if it doesn't fit with their other goals and aspirations,
• 12:28
  Speaker 1: we give them extra work around the house. The kind
• 12:31
  Speaker 1: of stuff where if I don't want to do it,
• 12:33
  Speaker 1: I've probably got to pay someone to do it, Or
• 12:35
  Speaker 1: if you don't want to do it, we'd have to
• 12:36
  Speaker 1: pay someone. So the mowing of the lawn or even
• 12:39
  Speaker 1: the washing of the cars, that stuff that wouldn't fall
• 12:42
  Speaker 1: under normal family responsibilities for the kids, So we do
• 12:46
  Speaker 1: pay them a little bonus for that, and that's how
• 12:48
  Speaker 1: they can earn some extra cash. Last thing that I
• 12:51
  Speaker 1: want to highlight is the importance of regular money conversations.
• 12:54
  Speaker 1: The Psychology of Money by Morgan House or in fact,
• 12:56
  Speaker 1: every podcast I've ever listened to says if you want
• 12:58
  Speaker 1: your kids to be financially literally, you've got to talk
• 13:00
  Speaker 1: about finances a lot and help them to find other
• 13:03
  Speaker 1: resources and outlets to learn about money as well. I
• 13:06
  Speaker 1: found this and shadded in our recent Happy Families newsletter.
• 13:10
  Speaker 2: The number one strategy of the top hundred families in
• 13:12
  Speaker 2: the world. Yes, okay, it's teach your kids to create
• 13:15
  Speaker 2: value first, not money, because money is a store of value.
• 13:18
  Speaker 1: You have to go back to first principles.
• 13:20
  Speaker 2: If you focus on value creation, material value, what you
• 13:23
  Speaker 2: create and produce in the world solving problems. Financial reward
• 13:27
  Speaker 2: is the reward of that emotional value, good friendships, how
• 13:30
  Speaker 2: you think, how you feel, spiritual value, how you love,
• 13:33
  Speaker 2: how you live mindset, lifting me, lifting you up above
• 13:37
  Speaker 2: your issues to a higher calling to God, getting out
• 13:39
  Speaker 2: of your ego, and like, that's spiritual value. Yes, So
• 13:42
  Speaker 2: if we can teach our children, hey, we're going to
• 13:44
  Speaker 2: be value hunters in this whole, that is the number
• 13:46
  Speaker 2: one greatest asset you could ever give them. It's an
• 13:49
  Speaker 2: unfair advantage for the rest of their life.
• 13:51
  Speaker 1: So I love this because it highlights that money is
• 13:55
  Speaker 1: just a store of value, and the conversation really should
• 13:58
  Speaker 1: move away from money to how am I adding value
• 14:00
  Speaker 1: in the world, Because the more I add value, the
• 14:02
  Speaker 1: more things will actually come to me. Not that I'm
• 14:04
  Speaker 1: trying to do it transactionally because I want things. I mean.
• 14:06
  Speaker 1: He talks about emotions and that brings better friendships. He
• 14:10
  Speaker 1: talks about spiritual value and how that lifts you to
• 14:12
  Speaker 1: a higher plan and you can serve others and lift
• 14:14
  Speaker 1: others as well. And the financial aspect of it is there.
• 14:17
  Speaker 1: The regular conversations about money probably matter more than anything
• 14:21
  Speaker 1: else we've discussed today in terms of the mechanics of
• 14:24
  Speaker 1: pocket money.
• 14:26
  Speaker 3: Over the years our conversations around money. The way we
• 14:30
  Speaker 3: choose to remunerate the children has changed so much, But
• 14:36
  Speaker 3: ultimately the most important part of everything that we've done
• 14:41
  Speaker 3: is having those conversations with your kids, teaching them what
• 14:45
  Speaker 3: it means to be financially literate, helping them to save
• 14:50
  Speaker 3: for the future and delay gratification and support and help
• 14:56
  Speaker 3: others and add value to the world.
• 14:59
  Speaker 1: Yeah, couldn't have said it better myself. It's about value.
• 15:02
  Speaker 1: It's about having the conversations. I love that you're through
• 15:04
  Speaker 1: and delayed gratifications so important. The take home message is
• 15:09
  Speaker 1: have the conversations regularly. That's more important than anything else.
• 15:13
  Speaker 1: If you'd like to submit a tricky question, please send
• 15:16
  Speaker 1: us a voice note. Podcasts at happy families dot com
• 15:19
  Speaker 1: dot a you. The Happy Families podcast is produced by
• 15:22
  Speaker 1: Justin Rulan from Bridge Media. For more information and more
• 15:24
  Speaker 1: resources about making your family happy, visit us at happy
• 15:27
  Speaker 1: families dot com dot a you.