Killing the Filibuster to Save the Government

A collaboration between Lewis McLain & AI

“Killing the Filibuster to Save the Government: Why Rule XXII Must Be Reformed for Funding Bills”


Executive Summary

The United States Senate’s filibuster — a procedural relic born of accident, not design — now stands between the nation and its most basic obligation: keeping its government open. Rule XXII’s 60-vote requirement to end debate allows a minority of forty-one senators to block or delay essential appropriations. The result is a cycle of shutdown threats, economic costs, and public cynicism.


This paper reviews the filibuster’s history, constitutional context, operational failures, and reform options. It concludes with a practical amendment — the Funding Continuity and Accountability Amendment — establishing majority cloture for appropriations and continuing-resolution bills. The choice is not partisan. It is existential.


I. Origins and Evolution of the Filibuster

The filibuster was never part of the Framers’ plan. In 1806, the Senate unintentionally deleted the “previous question” motion that allowed a simple majority to end debate, creating a vacuum that enabled unlimited discussion. For decades this quirk lay dormant; the Senate was small, collegial, and rarely obstructed itself.


By 1917, amid World War I, obstruction had become intolerable. At President Woodrow Wilson’s urging, the Senate adopted Rule XXII, permitting debate to be cut off by a two-thirds vote. In 1975, amid rising partisanship, that threshold was lowered to three-fifths — 60 votes. Simultaneously, the “two-track system” allowed the Senate to shelve bills threatened by filibuster rather than endure endless floor speeches. That procedural convenience made the filibuster effortless, silent, and ubiquitous.


II. The Modern Filibuster: From Debate to Deadlock

Today, the Senate rarely conducts actual filibusters. A mere indication of opposition is enough to trigger the 60-vote barrier. This dynamic has transformed the Senate from a deliberative chamber into a veto point for any minority cohesive enough to withhold cooperation.


The consequences are concrete: appropriations stall; continuing resolutions lapse; federal employees go unpaid; markets shudder. In effect, the Senate’s internal rule now governs whether the federal government functions at all. No constitutional clause envisions that outcome.



III. Shutdowns as the Filibuster’s Logical Endgame

Government shutdowns occur when Congress fails to enact spending authority. Because every funding bill must clear cloture, the filibuster hands a minority leverage to extract concessions unrelated to the budget itself — or to block funding entirely for political gain.


The 1995–96, 2013, 2018–19, and 2025 shutdown crises all trace back to Senate impasses in which cloture votes failed or were never attempted. The spectacle of a global superpower furloughing its workforce over parliamentary procedure has become both farcical and damaging. As one senior analyst recently observed, “The world’s reserve-currency government should not be shut down by forty-one senators representing barely one-third of the population.”


IV. Constitutional and Democratic Context

Article I, Section 5 of the Constitution grants each chamber the authority to “determine the Rules of its Proceedings.” Nothing requires supermajority thresholds for ordinary legislation; the Framers reserved supermajorities for exceptional acts — treaties, impeachments, amendments — not for paying the military or keeping national parks open.


The filibuster therefore lacks constitutional pedigree. It is a self-inflicted constraint masquerading as a safeguard. Madison warned in Federalist 58 that such rules “transfer the power to the minority and make the government impotent.” Two centuries later, his warning reads as prophecy.


V. Attempts at Reform

Reform efforts have oscillated between abolition and cosmetic adjustment:

  • The Talking Filibuster Proposal — restores the requirement that senators physically hold the floor; symbolic but easily circumvented.
  • Graduated Thresholds — lowers the required votes over successive days; complex and still delays action.
  • Carve-outs — already exist for judicial and executive nominations, enacted through the “nuclear option” in 2013 and 2017.
  • Automatic Continuing Resolution Mechanisms — provide short-term protection but entrench gridlock by rewarding inaction.

Each reform chips at symptoms. None neutralizes the core flaw: a minority can still prevent timely funding.


VI. The Case for a Funding-Only Carve-Out

A narrow exemption for appropriations and continuing resolutions would:

  1. Preserve deliberation while guaranteeing functionality. Ten hours of debate allows discussion without endless delay.
  2. Avoid precedent creep. Limiting the carve-out to funding prevents claims of wholesale rule destruction.
  3. Reinforce accountability. Majorities that fail to govern can be judged at the ballot box — a constitutional, democratic remedy.
  4. End the shutdown weapon. Minorities could still oppose budgets on policy grounds, but they could not freeze payrolls for millions as leverage.

VII. Implementation Path

The Senate can adopt the amendment through one of two methods:

  • Formal Rule Change: A two-thirds vote under Rule V to amend Rule XXII.
  • Precedent (“Nuclear”) Route: The presiding officer, sustained by a simple majority, rules that cloture on funding bills requires only a majority. This creates binding precedent without formal text revision — the same mechanism used for nominations.

Either route is lawful under Article I, Section 5 and Senate precedent.



VIII. Anticipated Criticisms and Responses

Criticism 1: It destroys minority rights.
Response: Minority debate remains protected; only the power to veto funding ends. The House operates under simple majority rule and still functions.

Criticism 2: It invites partisan spending sprees.
Response: Fiscal restraint arises from politics, not procedure. A majority still answers to voters and debt markets.

Criticism 3: Future majorities could expand carve-outs.
Response: That risk exists but is outweighed by the certainty of recurring shutdowns under the status quo. Procedural rigidity is not virtue when it breeds dysfunction.


IX. Broader Democratic Benefits

Ending the funding filibuster would:

  • Restore credibility to Congress as a governing body.
  • Reduce market anxiety and credit-rating downgrades tied to shutdown threats.
  • Protect federal employees, contractors, and local economies dependent on government spending.
  • Reinforce the principle that elections — not procedure — determine governance.

X. Conclusion: The Rule That Ate the Republic

The filibuster was a parliamentary oversight that evolved into an instrument of paralysis. It has repeatedly thwarted civil-rights progress, delayed disaster relief, and now threatens the government’s ability to remain open. Preserving it for its own sake mistakes inertia for wisdom.


A living democracy cannot allow forty-one senators to silence fifty-nine. The Funding Continuity and Accountability Amendment, as I suggest, offers a targeted, constitutional fix. It kills the filibuster only where its mischief is lethal — the nation’s purse. If ever there were a moment to end this feature, it is now. What began as a quirk has become a crisis. Ending it is not radical; it is responsible governance.


Appendix A — Summary of Key Shutdowns and Filibuster Effects

YearDurationPrincipal IssueSenate Cloture Vote Outcome
1995–9621 daysMedicare, budget capsCloture failed twice on CRs.
201316 daysAffordable Care Act fundingCloture motion rejected (54–46).
2018–1935 daysBorder wall appropriationCloture failed (50–47).
2025Ongoing crisisOmnibus funding, Ukraine aidFilibuster threat prevented vote scheduling.

🏛 Proposed Amendment to Senate Rule XXII

(Draft Legislative Text — “Funding Continuity and Accountability Amendment”)

Resolved, That Rule XXII of the Standing Rules of the Senate is amended by inserting after paragraph 2 the following new paragraph:

(3) Notwithstanding any other provision of this rule, a motion to bring debate to a close on any measure, motion, or other matter the effect of which is to provide for appropriations, continuing appropriations, or the temporary funding of any department or agency of the United States shall be decided by a majority of Senators duly chosen and sworn.

Upon adoption of such a motion by a majority of Senators duly chosen and sworn, debate shall be limited to a total of ten hours, equally divided between the majority and minority leaders or their designees, after which the Senate shall proceed to vote on final passage.

Nothing in this paragraph shall be construed to limit the right of any Senator to offer germane amendments during the period of debate so limited, or to affect the application of this rule to any measure not described herein.

(4) The Presiding Officer shall certify any measure falling under paragraph (3) as a “funding measure” upon consultation with the Parliamentarian.

Effect:

  • Replaces the 60-vote cloture threshold with a simple majority for any bill that funds the government.
  • Caps post-cloture debate at 10 hours to prevent delay.
  • Preserves deliberation and amendments, avoiding claims that debate is being silenced wholesale.
  • Leaves the 60-vote threshold intact for all other legislation.

Daylight Saving Time: Its Origins, Modern Realities, and the Health-Driven Push for Change

A collaboration between Lewis McLain & AI

Then vs. Now — Why DST Was Instituted

The concept of shifting clocks forward in spring and back in fall — the familiar “spring forward, fall back” of Daylight Saving Time (DST) — was originally introduced in the United States for practical wartime and energy-conservation reasons. In World War I, the U.S. passed the Standard Time Act of 1918, and later during World War II the country observed “War Time.” The intention was straightforward: reduce fuel and lighting usage by making better use of daylight hours. Later, the Uniform Time Act of 1966 sought to standardize the practice nationwide so that clock changes would occur on uniform dates in most states.



In that earlier era, lighting and fuel represented major portions of energy cost, work and commuting patterns were more uniform, and societal rhythms aligned more closely with sunrise and sunset. The logic made sense: by shifting the clock, people would make more use of the evening hours of daylight, thereby reducing artificial lighting and saving resources.

Fast-forward to today and many of those baseline conditions have changed dramatically. The energy profile of the country is very different: lighting is more efficient, air conditioning and electronics dominate electricity use, people commute at different hours, work is more global/24 hour-enabled, schooling has shifted, and digital media means social and economic activity occurs well after sunset. Thus, the original rationale for DST — large energy savings — appears weaker in the current context. Research suggests that the energy reduction is modest at best, and in some cases could be negligible or even reversed.

At the same time, the health, safety, and circadian (biological clock) implications of time shifts have become much more salient.

Understanding the Circadian Rhythm

Before proceeding further, it is necessary to explain what the “circadian rhythm” is, because it is central to understanding the modern debate. The term originates from the Latin circa diem meaning “about a day”, and refers to the approximately 24-hour cycle by which many biological processes in humans (and other organisms) are regulated. According to the American Academy of Sleep Medicine (AASM), our circadian rhythm is “our internal clock, and it is very tightly linked to the 24-hour day.” Sleep Education+2Sleep Foundation+2

More precisely, the circadian system synchronises internal physiological processes — including sleep-wake cycles, hormone release, body temperature, appetite, and metabolic regulation — to external environmental cues, most importantly the light-dark cycle of sunrise and sunset. Frontiers+1 When external time cues are altered (for example by travelling across time zones, shift work, or changing the clock), the internal circadian rhythm can become misaligned with the external environment — a condition sometimes termed “social jetlag.” Wikipedia+1

Why does this matter? Because when the human body is out of sync (i.e., our internal clock does not match the external light/dark schedule), there is growing evidence of negative downstream effects: increased risk of cardiovascular events, metabolic disorders, sleep disruption, mood disorders and impaired cognitive function. For example, in a review the AASM said that DST “can cause misalignment between the biological clock and environmental clock, resulting in significant health and public safety-related consequences.” JCSM

Thus, any policy that systematically shifts the external clock (such as DST) has the potential to interfere with the circadian rhythm — and that is why the modern health debate around DST looks very different from the original energy-saving rationale.

What’s Changed: The Health and Safety Lens

In recent years, a strong shift has occurred: from focusing primarily on energy and daylight use, to focusing on how clock changes and time-policy affect human health and safety. Several key points are worth emphasising:

  • A number of studies document acute increases in cardiovascular risk following the spring clock-forward change. For example, one study found that the rate of ischemic stroke was 8 % higher in the first two days after the switch to DST. American Heart Association+1
  • The transition to DST has been associated with more car accidents, reduced productivity and sleep disturbances (e.g., the Harvard Health blog notes: “Moving the clock ahead in the spring … can disrupt sleep and worsen conditions like depression, anxiety, and seasonal affective disorder.”) Harvard Health
  • Regarding the circadian alignment, the AASM states flatly: “Standard time is best aligned with human circadian biology.” Sleep Education+1
  • The effects are not just short-term. Longer-term misalignment — namely being on permanent DST or remaining out of sync with the sun/clock relationship — is increasingly flagged as a risk factor. One article states: “circadian misalignment … has been associated in some studies with increased cardiovascular disease risk, metabolic syndrome and other health risks.” PMC

So what has changed is that the “cost side” of the ledger has grown: we now have stronger data linking time-shifts and misalignment with real physiological harm; whereas the “benefit side” (energy savings, etc.) is weaker or more contested. Thus, the debate now centers less on “do we shift time” and more on “should we change the policy,” especially given the human biology dimension.



Pros and Cons in Today’s World

When evaluating whether to keep DST, adopt permanent DST, adopt permanent standard time (ST), or eliminate the clock change altogether, the key is to compare trade-offs. Below is a breakdown.

If we keep the status quo (twice-yearly clock changes)

Pros

  • Maintains a summer-evening benefit: more daylight after school/work in the summer months, which can promote recreation, retail, safety in the evening.
  • Retains what many people have adapted to culturally and socially; less change to business/industry routines.

Cons

  • Biannual disruption: The shift (especially spring forward) produces acute health/safety consequences (heart attacks, strokes, accidents). PMC
  • Chronic misalignment: Each change disrupts the circadian rhythm, prompting “social jetlag” that many sleep health researchers say is avoidable. Sleep Education+1
  • Public dissatisfaction: Polls show large majorities of Americans dislike the clock-changing. (See other sources)
  • The benefit of energy savings is weak/uncertain. Some studies suggest minimal savings; indeed some find usage may increase (e.g., more evening AC usage). Bloomberg School of Public Health

If we adopt permanent Daylight Saving Time (no more changes)

Pros

  • Consistent throughout year: no more “spring forward/fall back” disruption.
  • Longer evening daylight year-round may boost recreation/commerce, reduce some crime, support outdoor activity.
  • Avoids the logistical and health-burden of twice-yearly shifts.

Cons

  • Morning darkness in winter: With permanent DST, winter sunrises will be later. This means children, commuters start their day in darkness more often — with potential negative safety, alertness consequences. Many experts worry about that.
  • From a circadian health perspective, DST places clocks further from solar time; the AASM and other authorities regard standard time as better aligned with biology. For example, one review says: “Although chronic effects of remaining in daylight saving time year-round have not been well studied, daylight saving time is less aligned with human circadian biology.” PMC
  • Some of the benefits assumed (energy savings, etc.) may still be modest or offset by other factors (e.g., heating usage in the dark mornings).

If we adopt permanent Standard Time (no changes)

Pros

  • From multiple sleep/health bodies this is the “best” alignment with human biology. AASM: “Standard time is best aligned with human circadian biology.” Sleep Education
  • Removes the twice-yearly shift and avoids the morning darkness compromise of permanent DST.
  • Some recent modelling suggests meaningful health gains: one article claims permanent ST could prevent hundreds of thousands of stroke cases and millions of obesity cases in the U.S. based on circadian modelling. Newsweek+1
  • Simplifies time boundary issues and reduces transition risk.

Cons

  • Evening daylight in summer will be slightly curtailed compared to permanent DST — some businesses/leisure sectors may object.
  • Some regions may feel cultural or economic loss of later evening light.
  • Politically may be harder to sell than “more daylight in evening” narrative.

In sum: the health and circadian-alignment arguments strongly favour ending the clock changes and favouring permanent standard time; arguments for DST often centre on lifestyle, recreation, commerce and evening daylight. The question becomes a policy decision of priorities: human biology vs. social/economic habits.

What Is Required to Change It in the U.S.

Under current U.S. federal law, the setting for time-zone and DST decisions is the Uniform Time Act of 1966. That law allows states to opt out of DST entirely and observe permanent standard time, but it does not allow a state to adopt permanent DST unilaterally. In the words of the federal government: “States do not have the authority to choose to be on permanent Daylight Saving Time.” Wikipedia+1

Therefore, what must happen:

  • Congress must pass legislation amending the Uniform Time Act to allow permanent DST (or otherwise alter the schedule).
  • A state legislature may pass a law to choose permanent standard time (which is already permitted) but cannot go to permanent DST without federal change.
  • Because time changes affect interstate commerce, transportation, communications, business, etc., uniformity is a real concern, so the federal role remains central.

Bills in play

In the current 119th U.S. Congress (2025-26):

  • The Sunshine Protection Act of 2025 (Senate Bill 29 / House Bill 139) proposes to make permanent Daylight Saving Time nationwide. Both bills were introduced in January 2025. As of late October 2025, however, legislative momentum remains stalled in the Senate, in part because of disagreements about winter morning darkness and other implications. Wikipedia+1
  • Meanwhile, many states have passed so-called “trigger laws” or resolutions that express intent to move to permanent DST if Congress authorises it. For example, in Texas in 2025 the legislature passed a resolution in that direction. Wikipedia

Thus, while there’s considerable political interest, the actual legal change remains a matter for Congress. Unless Congress acts, the status quo remains: biannual clock changes, with states free to opt out and stay on standard time, but not free to permanently adopt DST.

The Policy Choice — Framed by Evidence

So what are the key take-away points?

  • DST was introduced in a very different era with objectives (energy savings, wartime fuel use) that fit the historical context. Today those objectives are less compelling and the health/biological consequences are much clearer.
  • The concept of the circadian rhythm — our internal 24-hour biological clock synchronized by light and dark — has become central to understanding why time-policy matters. When we force misalignment (via clock changes or permanent DST) we risk adverse health and safety effects.
  • Expert consensus among sleep and circadian researchers leans heavily toward ending the biannual clock change and favouring permanent standard time. As the AASM states: “Standard time is best aligned with human circadian biology.” Sleep Education+1
  • The trade-offs are real: evening daylight matters for social, economic, recreational reasons. But the health costs of misalignment and transition are non-trivial.
  • Legally and politically, change is possible — but requires federal legislative action. Until then, states remain limited in what they can do.
  • The modelling evidence (e.g., projections that permanent ST could reduce hundreds of thousands of strokes and millions of obesity cases) is striking — though it is based on modelling and circadian assumptions rather than longitudinal “real-world” proof. Newsweek+1

Bottom Line

In the early 20th century, DST made sense in its historical context. But in the 21st century, with vastly changed technology, lifestyles, and understanding of human biology, its justification is weaker — while its costs (especially on the circadian rhythm) are increasingly clear.

The most biologically sound policy appears to be: end the twice-yearly clock change and adopt permanent standard time. That aligns with the overwhelming recommendation of sleep and circadian health experts. If the U.S. moves instead to permanent DST, it may retain some cultural/evening daylight benefits — but it does so at the cost of further misalignment of human biology with the natural light-dark cycle.

Changing the law is feasible, but only if Congress acts. Until then, we are left with the compromise of biannual change — one that many experts argue is the worst of both worlds: disruption plus misalignment.


Appendix — Health Evidence on DST, With Key Numbers & Quotes

A. Expert consensus statements (health authorities)

  • American Academy of Sleep Medicine (AASM), 2025 position (updated):
    “The United States should eliminate seasonal time changes in favor of permanent standard time, which aligns best with human circadian biology… Evidence supports the distinct benefits of standard time for health and safety, while underscoring the potential harms that result from seasonal time changes.” AASM+1
  • American Medical Association (AMA) policy:
    The AMA House of Delegates voted to end seasonal time changes and support year-round standard time: “Eliminating the time changes… would be a welcome change. But… permanent daylight saving time overlooks potential health risks.” (policy and press coverage). American Medical Association+2American Medical Association+2

Circadian rhythm, defined: your body’s ~24-hour internal timing system (from circa diem, “about a day”) that synchronizes sleep-wake, hormones, temperature, metabolism, and alertness primarily to light and dark. When civil time is shifted (or kept far from solar time), circadian misalignment results—often called “social jetlag”—and is linked to higher risks across cardiovascular, metabolic, mood, and safety outcomes. (See peer-reviewed overview and AASM statements above.) JCSM+1


B. Acute effects around the spring (“forward”) shift

Cardiovascular

  • Heart attacks (AMI): Meta-analysis and multi-setting studies report transient increases after the spring shift. Example synthesis: “DST transitions might increase the risk of acute myocardial infarction… disturbed circadian rhythms and lack of sleep after transitions are plausible mechanisms.” PMC
  • Michigan cohort (often cited): +24% AMI on the Monday after spring DST vs. other Mondays. (AHA news release summarizing peer-reviewed work.) American Heart Association

Stroke

  • Finnish national data: +8% ischemic stroke during the first two days after a DST transition. PubMed+1

Injuries/accidents

  • Fatal motor-vehicle crashes: U.S. fatalities +6% during the workweek after spring forward; the spike shifted in 2007 when Congress moved the DST start date—strong quasi-experimental signal. University of Colorado Boulder
  • Economic analysis: “Spring Forward at Your Own Risk” (American Economic Journal: Applied Economics) links DST transition to more fatal crashes using credible identification strategies. American Economic Association

C. Broader safety & performance evidence tied to circadian disruption

  • Night-shift driving experiment (mechanism evidence): Polysomnography + driving simulator show markedly higher near-crash risk after circadian disruption and sleep restriction—illustrates the pathway (sleep loss + misalignment → safety risk). PNAS

D. Chronic misalignment: permanent DST vs. standard time

  • Clinical/position review (AASM, Journal of Clinical Sleep Medicine):
    Standard time is best aligned with human circadian biology… remaining on DST year-round is less aligned with circadian timing and may carry chronic risks.” JCSM+1
  • Circadian-informed modelling (PNAS, 2025):
    Using region-specific light patterns and behavior, authors conclude the biannual shift and DST-tilted schedules impose meaningful, negative health consequences, with permanent standard time minimizing circadian burden in many regions. (Model-based but useful for policy.) PNAS

E. Mixed or null findings (what doesn’t agree)

  • Recent cardiology reassessment (Duke, 2025): Press release on new analysis arguing heart-attack spikes may be smaller or inconsistent, suggesting long-term sleep habits matter more than the one-hour shift per se. (Underscores uncertainty bands and the value of focusing on chronic alignment.) Duke University School of Medicine

How to read the literature:

  1. Acute risks (first 1–7 days after spring forward) show the most consistent signals (fatal crashes, some AMI/stroke upticks).
  2. Chronic risks depend on how far clocks are set from sunlight—hence expert preference for permanent standard time.
  3. Effect sizes vary by latitude, seasonality, and population vulnerability; estimates are strongest where identification (e.g., policy shocks) is clean.

F. Selected landmark references (quick list)

  • AASM position statements & toolkit (2023–2025): permanent standard time recommended; seasonal shifts linked to health & safety harms. AASM+2AASM+2
  • AHA/AAN summaries of acute risks: +24% AMI (Michigan Monday), +8% ischemic stroke (Finland, first two days). American Heart Association+1
  • Traffic safety: +6% fatal crashes week after spring forward (CU Boulder write-up of peer-reviewed research); AEJ-Applied Econ paper corroborates. University of Colorado Boulder+1
  • Meta/overview on AMI: DST transitions plausibly raise AMI risk, via sleep and circadian disturbance. PMC
  • Mechanism evidence: Circadian disruption → higher near-crash risk (PNAS). PNAS
  • Counter-evidence note: New 2025 analysis questions size/consistency of AMI spikes. Duke University School of Medicine
  • PNAS 2025 modelling: Circadian-informed national scenarios favor permanent ST to minimize health burden. PNAS

G. Policy takeaway from the evidence

  1. Most robust risks are acute (post-spring-forward) and safety-related (traffic);
  2. Chronic alignment with solar time is the health-optimal endpoint (hence expert preference for permanent standard time);
  3. Because state law can’t enact permanent DST alone, any national change (DST permanent or ending clock changes) still requires an Act of Congress—the current vehicle has been the Sunshine Protection Act, which has stalled repeatedly amid concerns about dark winter mornings and health trade-offs. (Legal mechanics discussed in the main essay.) AASM

What Do You Say to the Seriously Ill?

A collaboration between Lewis McLain & AI

When Words Have Grown Silent



There comes a time in some illnesses when words fall away. We search for the right ones — honest, hopeful, comforting — but the person we love can no longer hear us, it seems, or cannot respond. That has been the reality with my sister, Carol, for nearly three years now. Her body remains, but her mind and spirit seem mostly beyond reach. Catatonic much of the time, she lives in a stillness that tests everyone who loves her. She has had decades of physical challenges.

What do you say to someone who cannot answer? How do you speak into that silence without pretending that everything is okay? If communicative, how do we find the right words?

For me, honesty still matters — perhaps more than ever. The truth is, everything is not okay. Her kidneys are failing; her body is breaking down. Yet in this long decline, I’ve come to see that honesty is not the enemy of hope. It means naming the truth, but doing so in love — allowing both grief and grace to share the same room.



When Carol was still aware, I said the things that needed saying: that I loved her, that her life had mattered, that she had given more than she knew. I told her that God was with her — not as a promise of healing, but as a certainty of presence. Now those words echo in memory, and I trust that she carries them somewhere deep within, where the mind no longer reaches but the soul still listens.

Most of my words now are spoken to Heather, my niece, who has carried this burden with astonishing grace. For years she has tended to her mother hour by hour, often at the cost of her own life’s rhythm. She has sacrificed nearly everything for love. In her, I see something profoundly Christlike — the daily pouring out of self not for recognition, but because love leaves no other choice. She is a true saint.

Jarrad, Carol’s son, walks this road too. Balancing a family and a demanding job, he remains steady and present — his love practical and faithful. Between the two of them, their mother has been surrounded by love in its purest form: love that perseveres quietly long after the world has turned its attention elsewhere.

If Carol could hear, and maybe she can, I want her to know that she is safe, still loved, and that her children have honored her with their faithfulness. I will tell her that God’s mercy is near, that she can rest, and that the love that shaped her family will endure.



And perhaps, even in her silence, she can still hear. Heather believes she can. I’ve come to accept it, too. So, what do you say when you suspect the soul is still listening? I must admit that I had given up hope when Carol was not conscious for over 18 months at one stretch. Heather never wavered. She prayed Carol back for a period so she could enjoy her grandkids and great-grandkids and even celebrate her 75th birthday last February.

You talk about heaven. Not with forced cheerfulness, but with reverent wonder — the kind of awe behind the song “I Can Only Imagine.” I would tell her that the first face she will see will be the face of Jesus, not as a sermon but as a hope I cling to. I would speak of peace beyond pain, of reunion and restoration, of the home God has prepared for those who love Him.

These are not words of denial. They are words of anticipation — reminders that suffering doesn’t get the last word. Love does. This message is not just about this situation with my sister. I write it because I want you to think about it, too.

Even when speech is gone, there are still conversations worth having:

  • The conversation of forgiveness — saying what should have been said and trusting God to deliver it.
  • The conversation of gratitude — thanking them for the life they lived and the love they gave.
  • And the conversation of heaven — imagining together, even in silence, what it will be like when all is finally well.

For those who find themselves in this same place — sitting beside a bed where conversation has ended — know this: your presence still speaks. The tone of your voice, the touch of your hand, the quiet rhythm of your breathing all carry meaning. The dying may not respond, but they often still sense. The spirit recognizes love when it is near.

We don’t need to pretend that everything is fine. We can admit our sorrow, our exhaustion, our longing for release. I vividly remember being alone with my dad when he was dying, telling him it was okay to let go. A similar experience came as they took my brother, Bob, off the life support machines. Faith is not pretending. Faith is holding a hand that cannot hold back and believing that God’s hand is still underneath both of ours.

So what do we say to the seriously ill, when speech has ended? We say what love says best — in few words, or none at all:

“I’m here.”
“You are loved.”
“God is near.”

And when the time comes, we whisper the words of release:

“You can go home now. We’ll be alright. Thank you for everything.”

That isn’t denial. That’s truth wrapped in love — and love is the last language that death can never silence.



Benediction

Lord of mercy and rest,
Be near to those who wait in long illness, and to those who keep the watch beside them.
Let Carol feel, in whatever way she still can, that she is surrounded by love — her children’s, her brother’s, and Yours.
Give Heather and Jarrad peace in their weariness, courage in their care, and the quiet assurance that nothing done in love is ever wasted.
When words fade and strength fails, let Your presence fill the room.
Receive Carol gently when You call her home,
And let those who remain find comfort in knowing
That love endures — even beyond the final breath.

Amen.



I Can Only Imagine

Song by MercyMe

I can only imagine
What it will be like
When I walk by Your side
I can only imagine
What my eyes would see
When Your face is before me
I can only imagine
Yeah

Surrounded by Your glory
What will my heart feel?
Will I dance for You Jesus
Or in awe of You be still?
Will I stand in Your presence
Or to my knees, will I fall?
Will I sing hallelujah?
Will I be able to speak at all?
I can only imagine
I can only imagine

I can only imagine
When that day comes
And I find myself
Standing in the Son
I can only imagine
When all I will do
Is forever, forever worship You
I can only imagine, yeah
I can only imagine

Surrounded by Your glory
What will my heart feel?
Will I dance for you Jesus
Or in awe of You be still?
Will I stand in your presence
Or to my knees will I fall?
Will I sing hallelujah?
Will I be able to speak at all?
I can only imagine, yeah
I can only imagine

Surrounded by Your glory
What will my heart feel?
Will I dance for you Jesus
Or in awe of You be still?
Will I stand in your presence
Or to my knees, will I fall?
Will I sing hallelujah?
Will I be able to speak at all?

I can only imagine, yeah
I can only imagine
I can only imagine, yeah-yeah
I can only imagine
I can only imagine
I can only imagine

I can only imagine
When all I will do
Is forever, forever worship You
I can only imagine

Source: Musixmatch

Rightsizing Under Enrollment, Funding & Choice Pressure

A collaboration between Lewis McLain & AI
(With suggested guidelines for any rightsizing exercise for public facilities)


I watched the McKinney ISD Board of Trustees meeting last night as they made the decision to close three elementary schools. It was emotional. It was intense. It was brutally honest from both the parents testifying and the Board members sharing about the difficulty of making hard decisions. In my own mental preparation for the event, I had put together these thoughts. Congratulations for these unpaid elected officials taking their jobs seriously. LFM


Executive Summary

Texas public education is at a turning point. Declining birth rates, smaller family sizes, flat per-student funding, the growth of homeschooling and private-school alternatives, and the weight of under-utilized facilities have combined to create a historic fiscal and structural challenge for nearly every district in the state.

For McKinney ISD (MISD), as well as neighboring Allen, Frisco, Plano, and Richardson ISDs, the question is no longer whether change is coming—it is how responsibly that change will be managed. Some campuses are now operating at 50–70 percent capacity. Maintaining them drains resources that could otherwise go to teachers, programs, and student safety.

This white paper explains why “rightsizing” through the consolidation or repurposing of under-utilized campuses is not an act of retreat but of stewardship. It details the statewide context, selection criteria, emotional and community impacts, financial rationale, and examples of how similar districts have adapted successfully. It concludes with a statement from the McKinney ISD Board of Trustees affirming both compassion and fiscal prudence—the twin obligations of public service.


1. Statewide Context: Demographics, Funding, and Choice

Demographic Shifts and Smaller Families

Texas has experienced a steady decline in birth rates since 2007, especially in inner-ring suburbs and mature neighborhoods. As families age and household sizes decrease, fewer children enter kindergarten. This “population echo” now reverberates through elementary and middle schools statewide.

In many communities, houses that once held three or four school-aged children now have one—or none. Districts built facilities for a baby boom that never fully arrived. As a result, entire wings of some campuses sit under-used, even as fixed costs for staffing, utilities, and maintenance persist.

Under-Utilization and Facility Inefficiencies

The problem is not just smaller classes—it is financial inefficiency. Schools must maintain minimum administrative and operational staff regardless of enrollment. A 350-student school costs nearly as much to operate as one with 600. When multiplied across several campuses, this structure creates unsustainable overhead and forces painful cuts elsewhere.

State Funding Constraints

The Texas Basic Allotment—the base per-student funding amount—has remained $6,160 since 2019, despite years of inflation and surging costs in special education, transportation, security, and staff benefits. Without an inflation index, the real purchasing power of that funding has fallen dramatically.

State law also limits how much local districts can raise through property taxes. Even when voters approve rate increases, state “recapture” mechanisms often offset local gains. Thus, districts are constrained between rising costs and capped revenue—a pressure cooker forcing attention to efficiency.

Homeschooling, Private Schooling, and Vouchers

During and after the COVID-19 pandemic, homeschooling surged. The Texas Home School Coalition estimates that more than 50,000 students withdraw from public schools annually to homeschool. The Johns Hopkins Homeschool Hub reports that 6.3 percent of Texas students were homeschooled in 2023–24, one of the highest rates in the nation.

Meanwhile, Christian and independent private schools have grown in Collin County, offering smaller class sizes and faith-based curricula. In 2025, Governor Greg Abbott signed Senate Bill 2, creating one of the nation’s largest Education Savings Account (voucher) programs, allowing parents to use public funds for private tuition or homeschool expenses.

The result is unprecedented school-choice migration—and an enrollment base for public districts that is smaller and more fluid than ever before.

Combined Implications

When birth-rate decline, small family size, school choice, and flat funding converge, no district can sustain the same footprint it built for 1990s-era growth. Rightsizing is not optional—it is essential to preserve program quality and teacher stability.


2. How Districts Choose Schools to Close or Consolidate

Purpose of a Transparent, Data-Driven Process

A closure or consolidation plan must rest on objective, measurable factors, not intuition or politics. A transparent rubric ensures fairness, maintains public trust, and demonstrates that each decision was made for both fiscal and educational reasons.

Proposed Selection Rubric (for MISD)

FactorWeightDescription
Utilization & Enrollment Trend30%Measures capacity use and 3- to 5-year enrollment trajectory.
Facility Condition & Life-Cycle Cost20%Evaluates the physical condition, deferred maintenance, and modernization needs of each building.
Operating Cost per Pupil15%Compares per-student costs in staffing, utilities, and transportation.
Academic & Program Fit15%Protects unique programs (dual-language, IB, SPED) and ensures receiving schools can sustain them.
Geography & Attendance Boundaries10%Considers distance, neighborhood continuity, and travel time.
Reuse or Repurpose Potential10%Assesses whether the facility can become an early childhood center, alternative program site, or community resource.

Transparency Requirements

  • Publish campus scorecards showing utilization, cost per student, and FCI (Facility Condition Index).
  • Provide five-year financial projections including both transition costs and long-term savings.
  • Identify receiving schools, showing enrollment impacts and program continuity.
  • Announce reuse plans for each closed campus before the final vote.

Alignment with TEA

The Texas Education Agency requires that displaced students be moved to equal or higher-performing schools, and that transition and communication plans be publicly documented. Following TEA guidelines not only protects equity but strengthens community confidence.


3. Community Reactions, Adaptation, and What Works

Emotional and Practical Impacts

A school is more than a building—it is the heart of a neighborhood. Closures evoke grief, nostalgia, and resistance. Teachers feel displaced; parents feel unheard; students feel uncertain. Without empathy and transparency, even financially sound decisions can damage community trust.

Common Concerns

  1. Fear of losing a neighborhood’s identity and “walkable” campus.
  2. Anxiety about longer commutes or split friend groups.
  3. Confusion about program continuity.
  4. Concern for staff job security.
  5. Worry about abandoned or blighted buildings.

Mitigation Strategies

  • Announce changes early and publish all relevant data.
  • Guarantee staff retention and re-assignment where possible.
  • Provide grandfathering options for current students and siblings.
  • Host family transition events, campus tours, and summer “bridge” programs.
  • Commit to clear reuse or redevelopment of closed facilities (early childhood centers, adult learning, community hubs).
  • Monitor post-closure academic and social outcomes for at least two years.

Examples of Successful Adaptation

  • The Texas Education Agency’s “Close & Consolidate” study found measurable academic gains when students moved to higher-performing campuses.
  • Aldine ISD (2024–25) closed nine campuses but retained 90 % of affected staff, redeployed programs effectively, and reported improved morale after transition.
  • Richardson ISD’s “Project RightSize” (2024) consolidated five elementaries, saving millions in fixed costs and redirecting funds to instruction.

4. North Collin County and Regional Snapshots

McKinney ISD

McKinney ISD’s Educational Facilities Alignment Committee (EFAC) is evaluating capacity, enrollment, and program distribution. Growth remains robust in the northern sector but stagnant in older southern zones. The committee is expected to recommend three elementary closures or repurposings.

Public comments reveal both empathy and apprehension—citizens want transparency, data, and fairness. The Board’s challenge will be to combine fiscal necessity with relational sensitivity.

Allen ISD

Allen ISD closed two elementary schools in 2022 amid rising costs and softening enrollment. The experience demonstrated that affluent districts are not immune to demographic shifts. Public protests underscored the importance of pacing and communication.

Frisco ISD

On October 20, 2025, Frisco ISD voted to close Staley Middle School after 2025–26. The district’s extensive public transition website—maps, FAQs, and staff updates—became a statewide model for transparent closure management.

Plano ISD

Plano ISD, long a symbol of suburban stability, saw utilization drop from roughly 85 % to 73 % between 2011–12 and 2024. In June 2024, the board voted to close four campuses—Davis Elementary, Forman Elementary, Armstrong Middle, and Carpenter Middle School—saving an estimated $5 million annually. The district emphasized facility repurposing, not abandonment, and made strong commitments to staff and families.

Richardson ISD

In March 2024, RISD approved the consolidation of five elementary campuses under “Project RightSize.” The district cited 9,000 empty seats and forecasted a multi-million-dollar deficit if action was not taken. Though community opposition was emotional, the board framed the plan as the only way to preserve academic integrity and staff quality. Transition support programs helped soften the impact by fall 2025.


5. School Choice, Homeschooling & Vouchers: The New Landscape

Texas now operates under the broadest school-choice environment in its history. Homeschool enrollment is stable at record levels, and private Christian and micro-schools are multiplying across Collin County.

The 2025 Education Savings Account (ESA) law magnifies the effect: state dollars now follow the student, not necessarily the district. While this empowers parents, it erodes the financial base of public schools, particularly suburban districts where private options abound.

For MISD, this means that right-sizing must anticipate—not just respond to—choice migration. A campus that is 70 percent full today could be 50 percent full in three years as vouchers take effect. Incorporating “choice leakage” into enrollment projections ensures that the district consolidates preemptively rather than reactively.


6. Financial Rationale and Reinvestment

Recurring Savings

  • Reduced administrative and support duplication (principal, AP, counselor, nurse, librarian).
  • Lower utilities, custodial, and security costs.
  • Avoided capital costs on roofs, HVAC, and deferred maintenance.

One-Time Transition Costs

  • Moving, signage, and relocation logistics.
  • Transportation route adjustments.
  • Stipends and placement assistance for reassigned staff.
  • Communications, summer bridge, and orientation programming.

Five-Year Net Impact

Typical closure/consolidation recovers transition costs by Year 2–3 and generates net savings thereafter, which can be reinvested into:

  • Teacher salaries and recruitment
  • Technology and curriculum innovation
  • Safety upgrades
  • New program initiatives

Reinvestment Transparency

The Board should publish a Reinvestment Report annually, showing where every dollar saved has been redirected to enhance student learning.


7. Governance, Process, and Timeline

  1. Phase 1 — Data and Transparency:
    Release campus scorecards and utilization data. Launch a public portal.
  2. Phase 2 — Engagement:
    Host listening sessions, surveys, and online Q&A forums.
  3. Phase 3 — Recommendation:
    Present shortlist of campuses, financial models, and reuse plans.
  4. Phase 4 — Board Decision:
    Conduct public workshop and final vote.
  5. Phase 5 — Transition & Support:
    Implement student/staff relocation, launch counseling and welcome events.
  6. Phase 6 — Review & Reporting:
    Publish one- and two-year outcome reports (achievement, travel time, cost savings, climate survey).

A “Right-Sizing Advisory Council” should remain active through the first post-closure year to monitor impacts and advise on adjustments.


8. Ethical and Emotional Imperatives

The heart of public education is people, not property. The moral duty of a school board is twofold: to care for the community it serves and to steward the resources entrusted to it.

Empathy and accountability must coexist. Compassion without discipline leads to insolvency; discipline without compassion leads to distrust. Balancing the two is the essence of leadership.


9. Lessons from Research and Experience

  • When done well, consolidations improve academic outcomes and staff morale within 24 months.
  • When done poorly, they damage trust, depress morale, and can worsen achievement.
  • Success requires early communication, equitable selection, strong receiving campuses, and clear reinvestment of savings.
  • Closed schools must never become “ghost campuses.” Reuse or redevelopment is part of closure responsibility.

10. Trustee Decision Framework

  1. Approve the evaluation rubric.
  2. Publish full data and financial analyses.
  3. Conduct engagement and document all feedback.
  4. Finalize closure and reuse recommendations.
  5. Adopt the board resolution publicly.
  6. Provide ongoing transparency through implementation.
  7. Measure results and adjust annually.
  8. Reinvest all savings visibly in instruction and staff.

11. What We May Have Left Out

  • Bond obligations and facility debt implications.
  • Teacher morale and retention post-closure.
  • Equity analyses for affected neighborhoods.
  • Land-use policy for repurposed campuses.
  • Ongoing public reporting standards.

12. My Version of the Heartfelt Statement from the McKinney ISD Board of Trustees.

To the Families, Staff, and Students of McKinney ISD:

No decision before this Board has weighed more heavily on our hearts than the prospect of closing schools. Each of us entered public service because we believe in the power of education to build lives and strengthen neighborhoods. Many of us have children or grandchildren who attend these very campuses. We understand the depth of history, friendship, and pride bound up in each school community.

Yet we must also confront a difficult reality. Across Texas, districts are facing unprecedented financial and demographic pressures: smaller family sizes, fewer kindergarten enrollments, the rapid growth of homeschooling and private-school alternatives, and a state funding structure that has not kept pace with inflation. The State limits our ability to raise local revenue; each additional dollar of tax effort is constrained by statute. Without prudent consolidation, the only alternatives would be to raise taxes again or make deeper cuts to the very programs that sustain quality instruction. Neither option serves our students well.

The decision to consolidate schools is not a reflection of failure but an act of stewardship — ensuring that McKinney ISD can continue to offer excellent teachers, safe facilities, and robust academic and extracurricular opportunities to all children. We make this choice with both compassion and resolve: compassion for the families who will experience change, and resolve to honor every student and staff member through a thoughtful transition.

In truth, there has never been a local government or public organization that has not, at some point, faced the most fundamental fiscal challenge of all: the reallocation of resources. McKinney ISD is not a static institution but a living organism that breathes, grows, and adapts with its community. If we had possessed perfect foresight decades ago—perfect population forecasts, perfect funding formulas—it is likely that several of our current campuses would never have been built in the first place. Our obligation today is to act with the wisdom we now have, to realign our facilities with the realities of our time, and to preserve the long-term health of the district.

We ask for understanding and patience as we navigate this process together. History and experience show that, while transitions are painful, communities adapt, students thrive, and new bonds form. Our promise is to communicate openly, listen honestly, and invest every saved dollar back into teaching and learning where it belongs.

Fiscal prudence and heartfelt compassion are not opposites; they are the twin obligations of public service. It is in that spirit—balancing empathy with responsibility—that this Board moves forward. We remain, as ever, committed to every child, every teacher, and every neighborhood that makes McKinney ISD the district it is today.

Signed,
The Board of Trustees of the McKinney Independent School District


13. Conclusion / Closing Thought

There has likely never been a city, county, or school district that has not wrestled with the same enduring challenge: how to reallocate finite resources to meet changing needs. That is not a failure—it is the natural rhythm of responsible governance.

McKinney ISD, like the community it serves, is a living organism. It grows, breathes, adapts, and learns. As neighborhoods mature and student populations shift, the district must respond with foresight and balance. If we had possessed perfect information decades ago, several campuses might never have been built—but foresight was limited, and optimism was high. Today, with clearer data and the benefit of experience, we have the duty to act wisely.

Rightsizing is not the end of McKinney’s story—it is a new chapter. It ensures that teachers remain supported, programs remain strong, and every child continues to learn in an environment that is safe, efficient, and sustainable. Change is difficult, but so is growth; both are signs of life.

In that spirit, McKinney ISD moves forward—with empathy for those affected, gratitude for those who serve, and confidence that the steps taken today will protect the strength of public education for decades to come.

Affordability, Not Ideology: What the 2025 New York City Election Might Be Really Saying

A collaboration between Lewis McLain & AI

I find it easy, given my own anti-socialist and anti-communist persuasion, to dismiss the recent New York City election as another swing toward unsustainable government expansion. Yet, setting that aside for a moment, can I look at the undercurrents and learn something? It is with that tone that I ask the reader to do the same.


1. Beneath the Headlines

The surface story was political: a progressive candidate, Zohran Mamdani, wins the mayor’s office on a platform of rent freezes and expanded public services. The deeper story, however, may have little to do with ideology and everything to do with survival.

By mid-2025, Manhattan’s median rent had climbed above $5,000. Outer-borough rents rose by double digits. Nearly one-third of New York households spent more than 30 % of their income on housing. Real wages, adjusted for inflation, stagnated. Even a two-income household found itself slipping behind.

So, when voters filled out their ballots, were they embracing socialism—or simply trying to breathe? Never underestimate the mind of one gasping for air.


2. The Language of Livability

Affordability has quietly replaced ideology as the true dividing line in American cities. Once, debates centered on party and policy; today, they revolve around whether an ordinary worker can stay in the place they serve. It’s not “left” or “right”—it’s whether the math still works.

When groceries, utilities, childcare, and transportation rise faster than wages, the question becomes practical, not philosophical: How long can I keep this up?

And while official inflation may appear calm at 2–3 %, that number hides what many households actually feel—what I call “personal inflation.” It’s the unmeasured rise in daily living costs that comes from housing, insurance, food, and utilities outpacing wages year after year. (See Appendix A.)


3. Misreading the Message

Some national voices called the election a socialist surge. Perhaps that’s a comforting narrative for those who like clean storylines. But what if it was instead a referendum on affordability itself—a protest against unlivable economics, not capitalism?

People who can no longer afford their city don’t vote for theory; they vote for relief. To interpret that desperation as a political movement risks missing the lesson entirely.


4. A Mirror for Other States

It is no secret that Texas has been one of the largest beneficiaries of the affordability exodus from both New York and California. Companies, families, and entire industries have moved to Texas in search of lower taxes, less regulation, and a livable cost structure. That success is worth celebrating—but it should also serve as a warning.

When infrastructure begins to wear out, when roads, power grids, and water systems reach their limits, and when taxes inevitably rise to repair them, the same logic that drew businesses here could just as easily justify their departure. If our cost of living rises unchecked, Texas could become tomorrow’s cautionary tale.

Economic migration obeys no loyalty. It follows cost, opportunity, and predictability.


5. The Numbers Behind the Feeling

Nationwide indicators tell the same story:

  • The United States faces a housing shortfall of roughly 4.5 million homes.
  • Nearly half of renters are now “cost-burdened,” spending over 30 % of income on housing.
  • Real wage growth since the pandemic lags inflation by about one percentage point per year.
  • In large metros, home-price-to-income ratios have hit historic highs, locking out first-time buyers.

These are not partisan statistics. They describe a system under strain. The vote in New York, then, may have been less about political faith than about financial fatigue—and compounded by the gap between official and personal inflation.


6. What a Professional Reader Might Conclude

A city—or a state—cannot sustain endless cost escalation without losing its workforce and its investors. The “affordability signal” from New York should not alarm us ideologically but alert us practically. It says: If you neglect cost control, people and capital will find somewhere else to go.

For policymakers, that means:

  • Treat affordability as infrastructure—as essential to maintain as highways or water lines.
  • Encourage balanced housing growth, removing unnecessary zoning friction while preserving standards.
  • Manage public debt and taxation with restraint, so long-term costs don’t erode the very advantage that drew new residents and firms.
  • Invest in maintenance before crisis, since deferred repairs always cost more later.

These aren’t partisan remedies; they’re managerial ones.


7. Asking Instead of Declaring

Still, the most productive posture may not be to prescribe but to ponder. What if the real issue beneath New York’s vote was not belief but endurance? What if the new political currency isn’t ideology but livability? Could affordability, quietly, be the next great civic value—the measure of whether a city still works for the people who build it?

If so, the warning is clear and shared: when living becomes unaffordable, no philosophy can hold a city together.


8. Closing Reflection

So, before we dismiss the New York outcome as a drift toward socialism, we might instead see it as a flare on the economic horizon. It reminds us that affordability—whether in New York, Los Angeles, Austin, or Dallas—is not a slogan but a threshold. Cross it, and even the most loyal residents and businesses will leave.

The lesson is not political; it is operational. Affordability is the quiet foundation on which every ideology, every enterprise, and every community must stand.


Appendix A: Personal Inflation — The Hidden Multiplier of the Affordability Crisis

Every few weeks a headline reassures us that inflation is “under control,” that the national rate has settled near 2 % or 3 %. Yet nearly everyone you meet feels poorer, not richer. The explanation is both simple and unsettling: the inflation that matters most is personal, not official.


1. The Illusion of Average

The Consumer Price Index (CPI) measures national averages across hundreds of goods and services. It was never designed to mirror the reality of any one household. It’s the economic equivalent of averaging the temperatures of Alaska and Arizona and calling it a mild day.

The CPI basket assigns weights based on the average U.S. household—an imaginary blend that includes homeowners, renters, retirees, students, and high earners alike. But your household’s spending profile—your personal basket—is unique. When your largest costs are housing, insurance, utilities, and groceries, the “average” CPI number becomes almost meaningless.


2. The Real Basket Most Families Carry

Consider two households:

  • Household A, a retired couple with no mortgage and stable investments, spends mainly on travel, entertainment, and medical care.
  • Household B, a working family renting a home, paying for childcare, commuting daily, and carrying health and auto insurance.

Both face an “official” inflation rate of 2 %, yet Household B experiences cost increases closer to 8 – 10 %. Why? Because its essentials—housing, food, energy, and insurance—rise far faster than the discretionary goods that dominate CPI weightings. Economists call this the distributional effect of inflation: the same average conceals drastically different outcomes depending on what you buy.


3. Lagged Housing, Hidden Pain

Housing is the largest single cost in most budgets, yet it enters the CPI through a lagged and diluted formula called Owner’s Equivalent Rent. The index assumes homeowners “rent to themselves” and spreads changes over twelve months, muting spikes in real rents and mortgages.

By the time the official numbers catch up, renters have already moved, landlords have already raised rates, and affordability has already deteriorated. This delay creates a comforting illusion of stability while real budgets collapse.


4. Substitution and Shrinkflation

The CPI assumes that when prices rise, consumers substitute cheaper goods—switching from steak to chicken, name brands to generics. On paper, that keeps inflation low. In reality, it disguises a decline in living quality.

Shrinkflation compounds the deception: packages get smaller, ingredients cheaper, and value erodes while prices stay “flat.” Statistically, that looks stable. To families, it feels like theft by a thousand cuts.


5. The Arithmetic of Erosion

Even modest inflation compounds powerfully. A 4 % annual rise in essential costs over five years represents a 22 % real loss in purchasing power. If wages rise only 2 %, the gap widens relentlessly. The result is what we now see in every major city: households squeezed not by recession but by attrition—the slow bleed of paychecks that never quite stretch to the end of the month.

This is why polls show that even as official inflation cools, more than 70 % of Americans still feel the cost of living is worsening. Their perception is mathematically valid: their personal inflation truly is higher.


6. The Broader Consequence

When policymakers rely solely on headline inflation, they misread the economy’s pressure points. The data may suggest calm while households experience crisis. That false sense of stability delays corrective policy and allows affordability to deteriorate invisibly until it erupts as political unrest or migration.

This is the quiet multiplier behind the affordability crisis. Personal inflation erodes stability one paycheck at a time, magnifying every other vulnerability—housing shortages, wage stagnation, and public frustration. By the time the official metrics confirm distress, the damage is already systemic.


7. Texas and the Next Test

Texas currently enjoys the reputation of affordability that New York and California have lost. But the same arithmetic applies. Housing in major Texas metros has risen more than 40 % since 2019, property taxes are climbing faster than wages, and infrastructure maintenance is overdue. If local cost pressures continue unchecked, the same personal inflation that hollowed out coastal states could quietly take root here as well.

Economic migration follows cost mathematics, not state pride.


8. The Real Lesson

Maybe the story of the 2020s isn’t about whether the Federal Reserve hits its 2 % target, but about whether ordinary citizens can still afford to live with dignity. The charts may show victory, yet the grocery carts tell another story. Personal inflation—unseen, unmeasured, but deeply felt—is how an affordability problem becomes a societal one.

Until policymakers, employers, and communities account for this hidden inflation, they will continue to mistake quiet erosion for progress. Affordability will keep slipping, not because prices explode, but because the numbers that define “normal” no longer describe reality.

You Are the Salt of the Earth

A collaboration between Lewis McLain & AI

(Matthew 5:13)



1. The Setting and the Saying

When Jesus stood on the hillside overlooking the Sea of Galilee and spoke the words, “You are the salt of the earth,” He was speaking to ordinary people — fishermen, farmers, craftsmen, mothers, and children. And Apostles. These were not the powerful or the privileged; they were the humble, the teachable, and the hungry-hearted. Yet Jesus gave them a title that carried enormous dignity and responsibility. Salt was precious. It preserved life, enhanced flavor, and symbolized purity. To be called “the salt of the earth” was to be entrusted with the moral and spiritual preservation of the world.

2. The Ancient Meaning of Salt

In the first century, salt was not simply a seasoning. It was a preservative, preventing meat and fish from spoiling in a world without refrigeration. Salt was also a symbol of covenant. In Leviticus 2:13, God commanded that every grain offering be seasoned with salt — “the salt of the covenant of your God.” Salt therefore represented endurance, permanence, and incorruptibility. It was even used to seal agreements: “a covenant of salt” (Numbers 18:19, 2 Chronicles 13:5) meant a lasting promise.

When Jesus called His followers “the salt of the earth,” He meant they were to be the moral preservative in a decaying world and the living sign of God’s enduring covenant with humankind.

3. The Spiritual Metaphor

Salt enhances flavor. A meal without salt is bland, but the right touch brings out depth, sweetness, and savor. Likewise, a Christian’s presence should bring out the best in others — kindness, honesty, and hope. Our speech is to be “seasoned with salt” (Colossians 4:6), gracious and wise, able to heal and preserve relationships rather than corrode them.

But salt must maintain its distinctiveness. Jesus warns, “If the salt loses its saltiness, how can it be made salty again?” (Matthew 5:13b). When believers blend into the world’s corruption, they cease to preserve it. When we compromise truth, the flavor of grace fades.

4. Salt as Preservation and Witness

There is something sobering about this image. Salt was scattered to prevent decay; it was rubbed into meat to hold off rot. It was not merely decorative — it was sacrificial. So too, believers must sometimes go where decay is worst: into the world’s wounds, into places of injustice, loneliness, and fear. Salt works by contact. It cannot preserve from a distance.

To be “the salt of the earth” means entering the places where others have given up, bringing light, integrity, and compassion. It means being the quiet, steady presence that keeps the world from falling apart completely.

5. Losing Our Saltiness

Jesus’s warning about losing salt’s flavor was not theoretical. In ancient times, salt was often impure, mixed with sand or gypsum. When exposed to moisture, the actual sodium chloride could dissolve, leaving behind only tasteless residue. It looked like salt, but it had no power.

A believer can likewise retain the outward appearance of faith — the rituals, the phrases, the reputation — but lose the inward vitality that gives life meaning. True saltiness comes from staying close to the Source — Christ Himself. Without Him, our influence fades, and our witness grows stale.

6. Salt and Light Together

Jesus’s next words form a natural pair: “You are the light of the world.” (Matthew 5:14) Salt preserves from corruption; light reveals truth. One works quietly; the other shines openly. One prevents decay; the other dispels darkness. Together, they form the twofold mission of the disciple — to preserve what is good and to reveal what is true.

7. The Modern Application

Today’s world still needs salt. Truth has become relative, virtue negotiable, and compassion conditional. Our culture often values sensation over substance. Yet Jesus calls His followers not to withdraw, but to influence — to season and preserve society with moral courage, steady compassion, and quiet faithfulness. Every kind word, every honest act, every moment of forgiveness adds salt to the earth.

We do not need to be large in number to make a difference. Just as a small pinch of salt changes the whole flavor of a meal, even one faithful life can change a workplace, a neighborhood, or a family.

8. A Prayer for Saltiness

Lord,
Keep me from losing my flavor.
Preserve my heart from pride and weariness.
Let my presence bring warmth, truth, and healing to those around me.
And when the world feels spoiled beyond hope,
remind me that even a grain of salt still matters to You.
Amen.

The Spirit of the Texas Way: Common Sense Over Cynicism

A collaboration between Lewis McLain & AI

https://www.utexas.edu/academics/texas-statement-academic-integrity


When the University of Texas faculty released “The Texas Way: Academic Freedom and Its Responsibilities,” the intent was unmistakable. It was not a legal document, a political maneuver, or a coded message. It was a straightforward declaration of principle — that teachers should pursue truth, teach honestly, avoid indoctrination, and respect differing views. In an age that seems to doubt everything, that message should have been unifying. Instead, predictably, it became a target for some.

Almost as soon as it appeared, a familiar cycle began. Commentators dissected every phrase, searching for a hidden agenda. Lawyers and critics combed through the text, parsing its meaning like a contract instead of a creed. Words such as “balanced,” “germane,” and “indoctrination” were treated not as plain appeals to fairness but as traps waiting to be sprung. What should have been seen as a reaffirmation of trust was instead viewed with suspicion. The irony is that the statement itself warned against exactly that — the habit of turning open discussion into a minefield of motives. Why can’t a person say to another, “Be Good!” and more explanation be required?

There is a deeper issue here, and it goes far beyond one university document. We are living in a time when moral clarity itself is treated as a threat. The more plainly something is said, the more certain people become that it must be hiding something. Cynicism has become a reflex. Clarity invites attack, and sincerity is mistaken for strategy. The result is a culture where even the simplest affirmations of integrity are smothered under layers of analysis and doubt.


Reflection: The Spirit of the Texas Way

There is something discouraging about watching a plain statement of good sense be treated like a crime scene. The University of Texas faculty’s “Texas Way” declaration could hardly be clearer: pursue truth, teach honestly, avoid indoctrination, and respect differing views. That’s not controversial; that’s civilization. Yet the moment such a statement appears, a familiar pattern unfolds — analysts dissect every word as though it hides an ulterior motive, and critics line up to prove offense where none exists.

This reflex to litigate language before listening to meaning reveals more about the critics than the text. The urge to find fault, to anticipate grievance, to pre-arm for battle — these are habits of distrust, not of scholarship. They reduce moral principles to procedural puzzles. Academic freedom, like integrity, cannot be safeguarded by endless disclaimers; otherwise, it turns into an extended shelf of IRS-type regulations. It thrives when communities act in good faith, understand the plain meaning of words, and hold one another to standards of fairness and honesty without needing a lawyer present.

The “Texas Way” speaks to the better side of our civic character — one that assumes clarity of intent and answers good faith with good faith. The critics would do well to read it not as a legal brief, but as a declaration of shared trust: that we can teach, learn, and reason together without the perpetual suspicion that every word hides a trap. Common sense, not cynicism, is what keeps academic freedom alive. Is a professor who doesn’t know the difference between teaching and proselytizing really qualified to be in the position? Can they teach a course on Political Science and still have the students guessing their political affiliations by the end of the semester?


That reflection captures something essential — not only about the Texas Way but about the times in which we live. Academic freedom, like public trust, cannot be preserved by contracts alone. It depends on the willingness of people to take each other at their word. When faculty, students, and citizens stop doing that, no number of policies will save the principle. Legal language can define conduct, but only good faith sustains community.

The tendency to attack rather than understand reveals a deeper insecurity — a loss of confidence in our shared moral vocabulary. Once upon a time, we knew what words like integrity, fairness, and truth meant without needing to footnote them. We trusted that an honest statement of intent was just that: honest. Today, however, clarity is treated as provocation, and good intentions are met with preemptive suspicion. It’s a disease of doubt masquerading as vigilance.

The Texas Way stands as a modest antidote to that cynicism. It does not demand agreement on every issue; it asks only for honesty, humility, and respect in how disagreement occurs. It reminds educators — and the public — that freedom and responsibility are two sides of the same coin. One without the other leads to either tyranny or chaos. It also reminds us that universities, like democracies, depend on trust as their unseen infrastructure. When that trust collapses, rules multiply — and meaning drains away.

We would do well to recover the older Texas instinct: to take words at face value, to assume good faith until proven otherwise, and to remember that plain speech is not a flaw but a virtue. Texans once built towns, companies, and churches on a handshake — not because they were naïve, but because they believed a man’s word was his bond. That same cultural DNA can still guide the life of the mind.

The Texas Way doesn’t need to be “interpreted.” It needs to be lived. Its call to pursue truth, teach honestly, avoid indoctrination, and respect differing views is not a political statement. It is a cultural one — an appeal to rediscover our shared sense of fairness and restraint. If every reader applied those words in spirit, rather than searching for loopholes, the meaning would be self-evident and the controversy nonexistent.

Common sense is not beneath academia; it is its foundation. The more we replace trust with suspicion, the more we destroy the very freedom we claim to defend. Let the lawyers have their policies and the cynics have their doubts. The rest of us can still recognize a plain truth when we see it — and honor it for what it is.

Happy to Be Alive Day!

A collaboration between Lewis McLain & AI

A Celebration of Second Chances and Daily Miracles

There are days that mark birthdays, anniversaries, and holidays — and then there are days that mark survival. “Happy to Be Alive Day” is not found on any calendar, but it might be the most meaningful celebration of all. It is the day when someone realizes, in a flash of gratitude, that they are still here — still breathing, still capable of love, laughter, work, and wonder. It might come after illness, accident, heartbreak, or danger. Or it might simply arrive unannounced one morning, when the light through the window feels like grace.


The Quiet Miracle of Breath

Most days we take our breath for granted. We rush from one obligation to the next, forgetting that every inhalation is a gift. But those who have brushed close to death — whether through surgery, an accident, or even the despair of depression — know that each new morning is a mercy. They often speak of colors seeming brighter, of laughter sounding clearer, of ordinary life feeling extraordinary. Happy to Be Alive Day is the pause in which we remember that miracle.



The Joy of a Baby Laughing

There may be no sound in the world more contagious than the laughter of a baby. It is pure, uncalculated joy — the very sound of life itself discovering delight. A baby’s laugh is proof that happiness can exist without reason, that wonder still renews itself in every generation. It reminds us that joy is not something earned; it’s something we’re given, freely and unexpectedly, just for being here. When you hear that laughter, the world seems right again — as if creation itself is still good, and still unfolding.



From Survival to Renewal

For some, this day has a date: the day the doctors said “You’re in the clear,” the day the car stopped spinning, the day the phone call didn’t bring tragedy. For others, it’s simply today. To celebrate being alive is to choose renewal. It means deciding that the pain that nearly took you will not define you, but refine you. It’s the choice to turn trauma into testimony, and to see every scar as proof of endurance rather than defeat.


The Theology of Gratitude

Spiritually, this day echoes the psalmist’s cry: “This is the day the Lord has made; let us rejoice and be glad in it.” Gratitude is not a mood; it’s a declaration. It doesn’t deny the darkness — it insists that light still breaks through. Every time we whisper “thank You” — to God, to a friend, to the miracle of continued breath — we practice resurrection. Happy to Be Alive Day is an Easter that happens every morning.


How to Celebrate

There are no cards for this occasion, no songs on the radio. But you can still mark it in your own way:

  • Take a walk and notice how many things are alive around you.
  • Call someone you love and say the words you almost left unsaid.
  • Write down what you’re thankful for, not just the big miracles but the small mercies — a cup of coffee, a steady heartbeat, a laugh that returns after grief.
  • Forgive someone, including yourself.
  • And above all, tell your story — because someone else needs to know survival is possible.

The Communal Joy

When one person celebrates being alive, it reminds others of their own blessings. A survivor’s gratitude ripples outward. It brings perspective to a hurried world, warmth to those who have forgotten how to hope. The phrase “Happy to Be Alive Day” can be contagious; once spoken aloud, it invites everyone around to pause, breathe, and smile.


Closing Reflection

If life is a book, then every new day is a page the Author has not yet filled. You may not know what’s coming next, but you are still part of the story. So light a candle, pour some coffee, watch the sunrise, and declare without irony or shame:
“Happy to be alive — today, and every day that follows.”


Poem: Alive Again

The morning breaks with silver light,
And breath returns to me—
A quiet pulse, a gift renewed,
A soul set wandering free.

The sky, once gray, now softly glows,
The trees begin to sing;
The world I thought had passed me by
Still holds each living thing.

The tears I shed are holy rain,
That wash the ashes clean;
The pain I knew now blooms as grace,
In fields of evergreen.

So lift your heart, O fragile one,
Let gratitude remain;
For every dawn’s a whispered vow—
“You’re here. Begin again.”

The Socialist Experiment in New York City: Vision Meets Fiscal Reality

A collaboration between Lewis McLain & AI

Introduction

The election of a mayor in New York City who identifies as a democratic socialist signals a dramatic shift in the city’s political narrative. Proposals such as fare-free public transit, universal childcare, city-run grocery stores, and rent freezes have energized supporters who see them as necessary correctives to inequality and high living costs.

Yet beneath that enthusiasm lies a more sobering arithmetic: the city’s finances are already tight, its labor and pension obligations immense, and its economy increasingly dependent on a shrinking number of high-income taxpayers. The balance between compassion and solvency — between vision and viability — will determine whether this new era becomes an urban renewal or a fiscal unraveling.


I. New York City’s Financial Context

The latest Comprehensive Annual Financial Report (FY 2025) shows that the city closed the year with revenues of $117.66 billion and expenditures of $117.69 billion — essentially a balanced budget achieved by drawing modestly from restricted funds. After adjustments, a small $5 million surplus was credited to the Rainy Day Fund, raising it to $1.97 billion.

This appears healthy until one examines the trend lines. The City Comptroller and State Comptroller both forecast out-year deficits of $2.6 billion in FY 2026, widening to $7–10 billion by FY 2028–29. Pension obligations remain enormous despite an 89 percent funded ratio, labor costs are escalating, and COVID-era federal funds have largely expired.

In other words, New York is balancing its budget in a good year with almost no margin for error. A downturn, a real-estate correction, or an over-ambitious spending spree could easily tip it back into the red.


II. The Socialist Policy Agenda

The mayor’s policy wish-list targets affordability at its roots:

  • Free or low-cost mass transit
  • Universal childcare and pre-K
  • City-operated grocery stores in food deserts
  • Expanded tenant protections and rent freezes
  • Greater municipal ownership of infrastructure

Each of these goals carries moral appeal. But together, they represent billions of dollars in recurring obligations that will persist long after political enthusiasm fades. Implementing even half of these programs without new recurring revenues would expand the city’s structural deficit dramatically.


III. Revenue, Tax Base, and Business Climate

The proposed funding approach — raising taxes on high-income residents, large corporations, and real-estate speculation — will face both political and economic resistance.

  • Political resistance: Many of these measures require approval from Albany, where state lawmakers must balance suburban and upstate constituencies less receptive to urban redistribution.
  • Economic resistance: Roughly 1 percent of taxpayers provide nearly 40 percent of personal income-tax revenue in NYC. Even modest out-migration among high earners or firms could erase the expected gains from new tax rates.
  • Market perception: Wall Street, real-estate developers, and major employers watch credit outlooks closely. Higher taxes and heavy regulation could depress hiring, slow construction, and weaken commercial-property values — already under pressure from remote work and high vacancies.

These effects don’t occur overnight, but over several budget cycles they can hollow out the very tax base needed to sustain social programs.


IV. Bond Ratings and Borrowing Capacity

At present, New York City’s credit ratings remain high — Aa2 from Moody’s, AA from S&P, and AA from Fitch — all with stable outlooks. These ratings assume continued budget discipline, strong tax collections, and access to credit markets.

Should the city run persistent multi-billion-dollar deficits or fund recurring programs with one-time revenues, that stability could erode. Even a single-notch downgrade would increase borrowing costs by tens of millions of dollars per issuance. Plus, rating changes usually apply to all outstanding issues, meaning the largest consistency for all governments will get equally stiffed. Given the city’s dependence on annual borrowing of $12–14 billion for capital projects, that would quickly compound into hundreds of millions in added interest.


V. Legal Liabilities and Operational Costs

The city already pays roughly $1.4–1.5 billion annually in legal claims — police misconduct, labor disputes, civil-rights cases, and infrastructure accidents. A socialist administration likely to push faster hiring, expanded benefits, and new regulations may unintentionally increase exposure to lawsuits and administrative complexity.

These are not hypothetical: NYC’s risk portfolio is vast, and new programs create new compliance risks. Legal settlements and overtime overruns have quietly strained the budget for years — issues any mayor, socialist or not, must confront.


VI. The Broader Economic Setting

Even without policy shocks, New York’s economy is fragile in several sectors:

  • Office occupancy remains below pre-pandemic levels, reducing property-tax growth.
  • Hospitality and retail have recovered unevenly.
  • Finance and tech, the city’s fiscal engines, are cost-sensitive to regulatory or tax changes.

Layering aggressive redistribution atop those fragilities could dampen hiring or investment. While not catastrophic immediately, the cumulative effect would be slower growth, fewer jobs, and ultimately lower tax receipts — precisely when the city’s spending commitments rise.


VII. The National Ripple Effect

Other progressive cities — Chicago, Seattle, Boston, perhaps Austin — may watch New York closely. They will adopt pieces of this agenda (municipal grocery pilots, partial transit-fare relief) if results seem favorable. But few will gamble their bond ratings or business ecosystems on full replication.

In this sense, New York’s mayor becomes both pioneer and cautionary tale: admired for ambition, judged by execution.


VIII. The Realistic Risks Ahead

A sober appraisal must acknowledge what can realistically go wrong:

  1. Revenue Shortfall Spiral: If tax hikes trigger out-migration or weak compliance, revenues could decline even as spending rises. Once bond markets sense erosion of the tax base, borrowing costs climb and confidence wanes.
  2. Program Cost Overruns: City-run enterprises and free-service models are historically prone to inefficiency. Without strict oversight, projected costs could double, as seen in past housing and transit initiatives.
  3. Labor and Pension Escalation: Expanding public programs often means expanding payrolls. Each new civil-service position brings long-term pension liabilities the city cannot easily reverse.
  4. State Disputes: If Albany resists authorizing new taxes or programs, the city could face legal stalemates that delay funding while political promises remain unmet.
  5. Economic Shock: A recession, commercial real-estate correction, or major loss in Wall Street profits could instantly erase the city’s narrow surplus and expose the fragility of its social agenda. Recessions are not if but when the next one occurs.
  6. Credit Downgrade: Persistent deficits or fiscal gimmicks would lead rating agencies to shift outlooks to negative, forcing the city to cut spending, raise taxes further, or both — a cycle that can quickly turn populism into austerity. They are the only independent entity that cares not just about today but how the future bondholders are going to get paid.

IX. The Most Likely Scenario

The most realistic projection is a politically energized but fiscally constrained administration. The mayor will likely succeed in implementing a handful of visible programs — perhaps expanded childcare and targeted transit subsidies — but larger ambitions will stall amid budget shortfalls, business pushback, and credit scrutiny.

The public narrative may celebrate “bold change,” but the spreadsheets will show a city juggling rising obligations, marginal surpluses, and deepening long-term gaps.

In short: the dream will proceed, but only as far as the balance sheet allows.


X. The Black Swan Scenario — The Wrong Time for New York, the Right Time for Texas

While New York experiments with costly new commitments, Texas is quietly building the next great financial center. The Texas Stock Exchange (TXSE), headquartered in Dallas, is preparing to launch with backing from major investors such as BlackRock and Citadel Securities. Goldman Sachs is constructing a campus for 5,000 employees; JPMorgan Chase already employs more people in Texas than in New York; Nasdaq has announced a regional headquarters there.

If a black swan event hits — a financial-market crash, a sudden collapse in NYC commercial real-estate values, or a capital-gains exodus triggered by new taxation — the balance of power could shift rapidly. Texas, with no personal income tax, lower costs, abundant housing, and an open regulatory climate, would absorb the outflow of capital and talent. Texas could be the black swan event!

The timing could not be more opposite for the two states. New York is entering a period of fiscal experimentation with razor-thin margins, while Texas is in a period of economic expansion and institutional investment. A severe downturn would strike New York when it can least afford it — saddled with new spending and declining revenues — but it would strike Texas at a moment when it can capture opportunity.

In that worst-case but plausible scenario:

  • Wall Street decentralizes as firms expand or relocate to Texas, eroding NYC’s tax base.
  • Bond markets lose confidence and demand higher yields on NYC debt.
  • Layoffs and migration accelerate, reducing both population and purchasing power.
  • Property values decline, cutting the city’s largest revenue source.
  • Austerity returns, undoing the very social ambitions that inspired the movement.

It would be, in essence, a black swan reversal of roles — Texas ascending as New York falters, the right place meeting the right time while the old capital of finance learns how quickly vision can collide with math.


Conclusion: Vision Without Solvency Defies Common Sense

New York City’s socialist experiment will test whether progressive ideals can coexist with fiscal realism. The mayor’s heart may be with the working poor, but numbers are stubborn things: every new entitlement must be paid for in perpetuity, not just proclaimed at a press conference.

Without disciplined budgeting, credible revenue streams, and cooperation from the state, even noble ambitions could accelerate the city toward financial distress. Remember 1975? The world’s financial capital cannot thrive if it loses the confidence of those who fund it, employ it, or lend to it.

History teaches that great cities fall not from bold ideas but from ignoring basic arithmetic. Unless ideology bends to economic gravity, the risk is not revolution — it is regression.

How Do You Know?

A collaboration between Lewis McLain & AI
(Please share my blog site with your friends and family and ask them to subscribe for free at http://www.citybaseblog.net)

A dialogue between a granddaughter and her grandmother



Scene:
The kitchen is quiet now, the light outside turning golden. The teapot is empty, but the warmth between them lingers. The grandmother leans back, smiling softly at her granddaughter — the kind of smile that carries both memory and hope.


Granddaughter:
Grandma, you’ve told me what love feels like when it’s real. But how do you really know if it’s right before you say “I do”?

Grandmother:
That’s a wise question, sweetheart — wiser than most your age ask. Knowing isn’t about a single moment. It’s about the patterns you see when the emotions calm down.

Granddaughter:
What kind of patterns?

Grandmother (counting gently on her fingers):
Start with faith. If your heart is anchored in God, make sure his is, too. You can’t walk together if one’s following the light and the other’s still chasing shadows. Shared faith doesn’t guarantee an easy life, but it gives you the same foundation when the storms come.

Granddaughter:
So religion really does matter?

Grandmother:
It matters more than you think. It shapes how you forgive, how you raise children, how you see the world. Without that common ground, even small differences start to feel like miles.

Granddaughter:
Okay… what else?

Grandmother:
Money. Not how much he earns, but how he treats it. Does he plan, save, and give? Or does he spend like there’s no tomorrow? Marriage magnifies everything — especially money habits. You want to face life as partners, not as each other’s accountant.

Granddaughter:
That’s practical, Grandma.

Grandmother (grinning):
So is love, darling. It’s not all candlelight and violins. It’s budgets, calendars, and choosing to be kind when you’re both tired.

Granddaughter:
And I guess it matters how you treat each other in public too?

Grandmother:
Oh yes — never, never speak badly about each other to anyone. The minute you let criticism slip into someone else’s ears, you give them power over your marriage. Protect one another’s reputation like it’s your own.

Granddaughter:
What about family?

Grandmother:
You marry more than the person — you marry their whole world. Watch how he treats his parents and siblings, and how they treat him. Family is the soil that shaped him. And when you bring him home, see how he fits among your people. If there’s no respect both ways, there’ll be cracks later.

Granddaughter:
That’s a lot to think about.

Grandmother:
It should be. Also, watch how he treats strangers — the waitress, the cashier, the stray dog. The smallest gestures reveal the biggest truths.

Granddaughter:
What about when life gets stressful?

Grandmother:
That’s when the real person comes out. See how he reacts under pressure — with patience or temper, faith or fear. The right one won’t crumble at every hardship. He’ll steady you when you start to shake.

Granddaughter:
And kids?

Grandmother:
Talk about it early. Whether he wants them, how he imagines raising them, what he values in a home. You can’t build together if you’re dreaming in opposite directions. You will be married singles.

Granddaughter:
You always say habits tell the truth.

Grandmother:
They do. Look for balance. Someone who knows moderation — with food, drink, work, and even opinions. Extremes wear people out. Balance keeps peace alive.

Granddaughter:
What about his purpose — like, his job or calling?

Grandmother:
A man who feels called to something greater than himself carries a steadier joy. It doesn’t have to be glamorous. But it has to mean something. When life gets heavy, purpose keeps him from drifting. How does he handle disillusionment? It WILL come.

Granddaughter:
Can he talk about emotions? Like fear, grief, or joy?

Grandmother:
He needs to. If he can’t name what he feels, he’ll turn silence into walls. Find someone who can talk through pain, who can admit fear, who can celebrate joy without shame. That’s emotional honesty — and that’s love’s backbone.

Granddaughter:
What about his heroes?

Grandmother:
Ask who he admires. A man’s role models are the map to his values. If he looks up to people of integrity — who serve others quietly — that’s a good sign.

Granddaughter:
And self-awareness?

Grandmother:
Oh, that’s gold. Can he say, “I was wrong”? Can he admit when he’s hurt someone and try to make it right? Pride destroys more love stories than infidelity ever could.

Granddaughter (pausing):
Grandma, this is a lot to remember.

Grandmother (smiling warmly):
It is — because marriage isn’t luck. It’s wisdom, patience, and prayer. But I’ll tell you one last thing — maybe the most important of all.

Granddaughter:
What’s that?

Grandmother (leaning close):
If the boy — or the man — isn’t just as curious about you… your faith, your family, your hopes, your habits, your fears, your calling — if he doesn’t want to know your story and your soul — then make sure he knows without any doubt: you are not someone to be half-known. You are someone to be understood, cherished, and respected in full — or not at all.

Oh, one more thing: No regrets. Strive to make wise choices. The best thing you want to be able to say when you get to be my age is “No regrets!”


(The granddaughter nods slowly. The kettle whistles again, and her grandmother rises to refill it — calm, steady, radiant with the kind of wisdom only a lifetime of love can teach.)