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Your wife can still legally own a handgun even if under 21, she may not purchase one however,so no it does not matter if she is with you or by herself.
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If she is 18 or over, she CAN purchase a handgun in a private sale from another Texas resident. And the over 21 husband (or any other legal Texas resident purchaser for that matter) can purchase a handgun from a dealer and give it to her as a gift. From my understanding, open carry in Texas has not been shot down, but it has not been approved yet, either. It's still illegal at present time.