 a spouse at our house and and if you're going to do that then silent note here just a simple letter it's not a contract but i just want your name written down here i want you to say out loud not just verbally because you forget i want you to write down i'll bring this back out later if i need to it says i we will never borrow money again because my dream is that my children my grandchildren my great-grandchildren will never have any debt because of the hard work that i did