1 00:00:02,680 --> 00:00:06,920 Speaker 1: Life audio. Things happen in life. Hardship happens, you lose 2 00:00:06,960 --> 00:00:10,319 Speaker 1: a job, maybe you've had additional children and your income no, 3 00:00:10,480 --> 00:00:13,000 Speaker 1: or it keeps up. Personal finance is not a static thing. 4 00:00:13,080 --> 00:00:15,520 Speaker 1: That's really what I'm trying to say. So despite where 5 00:00:15,520 --> 00:00:19,759 Speaker 1: you're at, despite your situation, your hardship, the more we 6 00:00:19,800 --> 00:00:24,120 Speaker 1: can open ourselves to learning and understanding more about personal finance, 7 00:00:24,200 --> 00:00:25,200 Speaker 1: it changes our lives. 8 00:00:25,280 --> 00:00:27,400 Speaker 2: Welcome to the Faith Over for your podcast, where we 9 00:00:27,520 --> 00:00:31,840 Speaker 2: discuss powerful truths to quiet anxiety and fear big and small. 10 00:00:32,120 --> 00:00:35,360 Speaker 2: I'm your host, Jennifer Slattery, and I wonder do you 11 00:00:35,440 --> 00:00:39,600 Speaker 2: lie awake at night worried about your finances? Maybe your 12 00:00:39,680 --> 00:00:44,080 Speaker 2: employment feels shaky, or you're facing overwhelming bills you don't 13 00:00:44,080 --> 00:00:47,400 Speaker 2: know how to pay. Financial security is about so much 14 00:00:47,520 --> 00:00:51,440 Speaker 2: more than just our bank accounts. It's about feeling safe. 15 00:00:51,440 --> 00:00:55,400 Speaker 2: It's about trusting that our most basic physical needs will 16 00:00:55,440 --> 00:00:57,840 Speaker 2: be met. And if that's you, I so get it. 17 00:00:57,880 --> 00:01:00,840 Speaker 2: There was a time when my fears related to finances 18 00:01:00,960 --> 00:01:05,040 Speaker 2: completely enslaved me and nearly destroyed my marriage. And that's 19 00:01:05,200 --> 00:01:09,880 Speaker 2: why I'm really looking forward to today's conversation with Todd Moore, 20 00:01:10,200 --> 00:01:13,840 Speaker 2: director of Education at Trinity Dent Management, a Christ centered, 21 00:01:13,920 --> 00:01:19,080 Speaker 2: spirit led nonprofit helping people find long term financial freedom 22 00:01:19,440 --> 00:01:23,560 Speaker 2: after seasons of deep financial strain. Todd, thank you so 23 00:01:23,680 --> 00:01:24,600 Speaker 2: much for joining us. 24 00:01:24,880 --> 00:01:26,959 Speaker 1: Well, thank you. It's great to be with you this afternoon. 25 00:01:27,720 --> 00:01:32,120 Speaker 2: Drawing from both professional expertise and lived experience, Todd and 26 00:01:32,160 --> 00:01:37,319 Speaker 2: his team help individuals and families reduce financial anxiety through education, 27 00:01:37,600 --> 00:01:42,560 Speaker 2: budgeting support, and practical pathways towards stability and hope. They 28 00:01:42,600 --> 00:01:46,760 Speaker 2: also walk alongside those prayerfully considering entrepreneurship as a way 29 00:01:46,840 --> 00:01:51,279 Speaker 2: to pursue their God given calling. Todd, this conversation feels 30 00:01:51,440 --> 00:01:55,840 Speaker 2: especially timely in today's economy, where inflation, high interest rates, 31 00:01:55,840 --> 00:01:59,120 Speaker 2: and unexpected expenses can leave people feeling like they're doing 32 00:01:59,160 --> 00:02:02,240 Speaker 2: everything they know how to do just to survive. From 33 00:02:02,480 --> 00:02:06,440 Speaker 2: previous conversations we've had off air, I know that you 34 00:02:06,520 --> 00:02:09,720 Speaker 2: grew up with a deep understanding of what it's like 35 00:02:09,919 --> 00:02:12,240 Speaker 2: to struggle to survive. I'd love if you'd share a 36 00:02:12,280 --> 00:02:14,040 Speaker 2: little about those roots for you. 37 00:02:14,360 --> 00:02:17,640 Speaker 1: Yeah, my journey starts really growing up, or when I 38 00:02:17,680 --> 00:02:21,160 Speaker 1: was growing up. Despite having two loving parents who did 39 00:02:21,160 --> 00:02:24,160 Speaker 1: their best provide for us, money was always an issue 40 00:02:24,200 --> 00:02:27,440 Speaker 1: in our family, so there was always that sense of scarcity, 41 00:02:27,600 --> 00:02:30,040 Speaker 1: just not having enough. And when I was younger, I 42 00:02:30,120 --> 00:02:32,600 Speaker 1: used to just wonder, what's the difference between those families 43 00:02:32,680 --> 00:02:35,320 Speaker 1: that seemed to be able to own a car or 44 00:02:35,360 --> 00:02:37,520 Speaker 1: buy a home, things like that, things that most of 45 00:02:37,560 --> 00:02:40,000 Speaker 1: us kind of do. Is just middle class families, those 46 00:02:40,040 --> 00:02:42,400 Speaker 1: things were always it was a real challenge for us. 47 00:02:42,560 --> 00:02:45,600 Speaker 2: So you said you had a scarcity mindset. It sounds 48 00:02:45,639 --> 00:02:47,799 Speaker 2: like that was your reality, So I guess what I wanted. 49 00:02:47,880 --> 00:02:51,600 Speaker 2: Did that impact the stress level of your home of 50 00:02:51,960 --> 00:02:54,040 Speaker 2: your parents? Do you ever feel ashamed? 51 00:02:54,360 --> 00:02:57,360 Speaker 1: Yeah, that's a great question. My parents, despite us not 52 00:02:57,440 --> 00:03:01,400 Speaker 1: having funds, they always found way to work together, which 53 00:03:01,520 --> 00:03:04,840 Speaker 1: was really interesting to see them having limited funds be 54 00:03:04,880 --> 00:03:08,519 Speaker 1: able to have conversations about money. I always found that inspiring. 55 00:03:08,680 --> 00:03:11,720 Speaker 1: But on a personal level, I always had a sense 56 00:03:11,760 --> 00:03:14,440 Speaker 1: of shame. As a young man. It was embarrassing. I 57 00:03:14,440 --> 00:03:17,000 Speaker 1: would go to school with folks that had money and 58 00:03:17,240 --> 00:03:19,840 Speaker 1: or doing things, and it was always just something that 59 00:03:19,919 --> 00:03:22,799 Speaker 1: I carried quietly inside me and there was always I 60 00:03:22,800 --> 00:03:24,640 Speaker 1: don't know if it was shame or was that feeling 61 00:03:24,720 --> 00:03:26,880 Speaker 1: of what can I do to improve? And that could 62 00:03:26,919 --> 00:03:29,400 Speaker 1: be very intimidating. Sometimes you know, to try to figure 63 00:03:29,400 --> 00:03:32,040 Speaker 1: that out, that she is a kid as a kid. Yeah, 64 00:03:32,040 --> 00:03:34,480 Speaker 1: it really is, and there's always that question in your 65 00:03:34,520 --> 00:03:37,080 Speaker 1: back your mind. Well, folks, really figure out that I'm 66 00:03:37,160 --> 00:03:39,680 Speaker 1: completely broke. You know. It was just an odd feeling 67 00:03:39,920 --> 00:03:41,880 Speaker 1: and I always wrestled with that till I got a 68 00:03:41,920 --> 00:03:45,320 Speaker 1: little older and found out that there are other ways 69 00:03:45,360 --> 00:03:48,640 Speaker 1: to solve that problem. And yeah, it certainly created stress 70 00:03:48,640 --> 00:03:51,400 Speaker 1: in our home, you know, not having any time that 71 00:03:51,480 --> 00:03:54,840 Speaker 1: there's a consistent underlying problem in a home. You know, 72 00:03:54,920 --> 00:03:56,760 Speaker 1: children feel that, You feel that in the family. 73 00:03:56,840 --> 00:03:59,640 Speaker 2: Yeah, everybody feels that. And then I so fast forward. 74 00:03:59,720 --> 00:04:02,880 Speaker 2: I know you went to college, so probably you're like, Okay, 75 00:04:02,920 --> 00:04:05,000 Speaker 2: I'm doing the right things here, right, And then you 76 00:04:05,080 --> 00:04:09,120 Speaker 2: graduated college and like so many of our listeners, especially now, 77 00:04:09,480 --> 00:04:13,880 Speaker 2: they leave college with this massive amount of debt. So 78 00:04:14,520 --> 00:04:16,719 Speaker 2: where were you at that stage? 79 00:04:17,000 --> 00:04:21,160 Speaker 1: Yeah, coming into college, I still struggle to get myself 80 00:04:21,200 --> 00:04:23,880 Speaker 1: through college. I'm first time graduate of college in my 81 00:04:23,920 --> 00:04:26,760 Speaker 1: immediate family, so I to go to college. Yeah, so 82 00:04:26,880 --> 00:04:30,000 Speaker 1: again that scarcity mindset. Even when I'm in college, I 83 00:04:30,000 --> 00:04:32,440 Speaker 1: don't think my parents truly understood what I was doing. 84 00:04:33,000 --> 00:04:35,560 Speaker 1: So I'm in school and they're saying hey, maybe you 85 00:04:35,560 --> 00:04:38,320 Speaker 1: should be working, and yeah, I'm trying to persuade them 86 00:04:38,360 --> 00:04:40,200 Speaker 1: the college is working for me right now. But no, 87 00:04:40,400 --> 00:04:43,840 Speaker 1: the issue here is I accumulated some debt myself while 88 00:04:43,839 --> 00:04:46,039 Speaker 1: I was in school because again I didn't have a 89 00:04:46,040 --> 00:04:49,400 Speaker 1: lot to pull from. So early on I got a 90 00:04:49,400 --> 00:04:52,159 Speaker 1: credit card. The university was offering a credit card. It 91 00:04:52,279 --> 00:04:54,479 Speaker 1: was through brand the school on there and you'd have 92 00:04:54,520 --> 00:04:56,360 Speaker 1: access to a credit card. So that was my kind 93 00:04:56,400 --> 00:04:59,360 Speaker 1: of first entrance into the credit market, and it didn't 94 00:04:59,360 --> 00:05:01,280 Speaker 1: take me very well to max the card out and 95 00:05:01,279 --> 00:05:02,360 Speaker 1: get myself into trouble. 96 00:05:02,480 --> 00:05:04,440 Speaker 2: I do want to say to our listeners, so if 97 00:05:04,480 --> 00:05:07,640 Speaker 2: Todd's story, if it touched something tender in you, I 98 00:05:07,640 --> 00:05:09,640 Speaker 2: want you to know that God sees you, if you're 99 00:05:09,640 --> 00:05:11,480 Speaker 2: struggling right now, if you feel like you know what. 100 00:05:11,600 --> 00:05:14,040 Speaker 2: I have kids that are going to school and they're 101 00:05:14,120 --> 00:05:16,599 Speaker 2: right there and I want them to have the new shoes, 102 00:05:16,640 --> 00:05:18,560 Speaker 2: I want them to have the sports equipment. I want 103 00:05:18,600 --> 00:05:20,920 Speaker 2: them to be able to go participate in these club 104 00:05:20,960 --> 00:05:22,880 Speaker 2: activities and I just don't know how to do it. 105 00:05:23,000 --> 00:05:24,520 Speaker 2: Or if you're the adult that says, you know, I've 106 00:05:24,520 --> 00:05:27,440 Speaker 2: got all this debt that's just so heavy. God sees 107 00:05:27,480 --> 00:05:30,039 Speaker 2: you in your struggle. He's right there with you in it. 108 00:05:30,080 --> 00:05:32,440 Speaker 2: And I hope you caught something that Todd said he 109 00:05:32,600 --> 00:05:35,520 Speaker 2: was the first college graduate in his family, Which what 110 00:05:35,640 --> 00:05:39,440 Speaker 2: that tells me is because of Jesus Christ, his guidance 111 00:05:39,600 --> 00:05:43,000 Speaker 2: and his heart were never stuck and shifting to that. So, 112 00:05:43,040 --> 00:05:47,159 Speaker 2: I know, having lived through that fear and that anxiety, 113 00:05:47,520 --> 00:05:51,440 Speaker 2: how has that shaped your heart for others who are 114 00:05:51,880 --> 00:05:53,440 Speaker 2: currently in the place where you used to be. 115 00:05:53,800 --> 00:05:56,159 Speaker 1: Yeah, well it's had a tremendous impact. So while I 116 00:05:56,240 --> 00:05:59,000 Speaker 1: was in school, going through college and even graduate school, 117 00:05:59,120 --> 00:06:01,800 Speaker 1: my passion was all always I tend to fall into 118 00:06:01,839 --> 00:06:05,040 Speaker 1: these kind of money questions, whether it's budgeting or public finance, 119 00:06:05,160 --> 00:06:07,800 Speaker 1: or how do we make programs effective, But at the 120 00:06:07,880 --> 00:06:12,280 Speaker 1: core was doing something good for others, taking that experience 121 00:06:12,320 --> 00:06:15,800 Speaker 1: that I had and turning that into something meaningful for others. 122 00:06:16,000 --> 00:06:18,320 Speaker 1: That was really a driving passion and it continues to 123 00:06:18,400 --> 00:06:20,479 Speaker 1: be a driving passion for me. So you take a 124 00:06:20,520 --> 00:06:24,400 Speaker 1: community that is struggling. That has always been core to 125 00:06:24,480 --> 00:06:26,839 Speaker 1: my work at Trinity Dead Management is being able to 126 00:06:26,839 --> 00:06:29,159 Speaker 1: go into the community try to make a difference for 127 00:06:29,480 --> 00:06:31,479 Speaker 1: the kid that's just like me, or a family that 128 00:06:31,680 --> 00:06:34,279 Speaker 1: was just in my situation, you know. So I'm always 129 00:06:34,360 --> 00:06:38,040 Speaker 1: trying to use our resources at Trinity to empower others 130 00:06:38,080 --> 00:06:41,160 Speaker 1: to change their lives. For me, it's always been you 131 00:06:41,200 --> 00:06:44,279 Speaker 1: take those experiences, and if you're really doing God's work, 132 00:06:44,400 --> 00:06:47,000 Speaker 1: what you're doing is taking those experiences and learning from 133 00:06:47,000 --> 00:06:50,280 Speaker 1: them and turning them into something to serve. And that's 134 00:06:50,320 --> 00:06:52,880 Speaker 1: really what I've tried to do, is to take those experiences, 135 00:06:53,080 --> 00:06:56,039 Speaker 1: rethink them, and put them into practice to really to 136 00:06:56,120 --> 00:06:57,920 Speaker 1: serve others and to do good in the world. It's 137 00:06:57,920 --> 00:06:59,919 Speaker 1: just been an underlying passion for me for years. 138 00:07:00,080 --> 00:07:02,760 Speaker 2: Yeah, well, I especially love. It's just so God's heart. 139 00:07:02,839 --> 00:07:08,159 Speaker 2: He excels at bringing beauty from hardship and dramatically changing 140 00:07:08,200 --> 00:07:11,560 Speaker 2: our trajectories. And so, why do you think, from your 141 00:07:11,560 --> 00:07:15,360 Speaker 2: experience and your expertise, why does do money struggles carry 142 00:07:15,400 --> 00:07:18,920 Speaker 2: such a heavy emotional weight And it's a sense of 143 00:07:18,960 --> 00:07:19,920 Speaker 2: fear and overwhelmed. 144 00:07:20,080 --> 00:07:24,640 Speaker 1: Well, anytime someone is just overwhelmed with finances, financial anxiety, 145 00:07:24,720 --> 00:07:28,920 Speaker 1: financial fear, stress, I mean, these are real things. These 146 00:07:28,960 --> 00:07:31,520 Speaker 1: are these are not abstract things. These are things that 147 00:07:31,640 --> 00:07:34,560 Speaker 1: can rip a family apart. You mentioned just struggles with 148 00:07:34,640 --> 00:07:37,480 Speaker 1: finances and that causing issues maybe in your own family, 149 00:07:37,560 --> 00:07:41,520 Speaker 1: that sense of struggle and being overwhelmed, whether you're in 150 00:07:41,560 --> 00:07:44,320 Speaker 1: the workforce, whether it's your family, how you interact with 151 00:07:44,360 --> 00:07:48,120 Speaker 1: your children, whether you're doing God's work that interferes in 152 00:07:48,280 --> 00:07:51,320 Speaker 1: every part of your life. These things are very overwhelming. 153 00:07:51,400 --> 00:07:53,520 Speaker 1: I take calls at Trinity, you know, we hear this 154 00:07:53,640 --> 00:07:55,960 Speaker 1: every day. So these are things that are people they're 155 00:07:55,960 --> 00:07:58,800 Speaker 1: struggling with these items all the time, whether it's how 156 00:07:58,840 --> 00:08:00,960 Speaker 1: do I fix my score or how do I get 157 00:08:00,960 --> 00:08:03,840 Speaker 1: out of debt? Someone this morning called they were interested 158 00:08:03,880 --> 00:08:05,680 Speaker 1: in trying to figure out how to help their husband 159 00:08:05,680 --> 00:08:07,560 Speaker 1: who just lost a job. These are things that we 160 00:08:07,600 --> 00:08:09,560 Speaker 1: have to deal with in our everyday lives. It is 161 00:08:09,640 --> 00:08:12,960 Speaker 1: disruptive and what we're trying to do, what I try 162 00:08:13,000 --> 00:08:15,480 Speaker 1: to do to help others, is there's always a remedy, 163 00:08:15,600 --> 00:08:19,400 Speaker 1: there's always ways to solve this. But coming to that 164 00:08:19,480 --> 00:08:22,679 Speaker 1: realization and find the right folks to work with, yeah, 165 00:08:22,760 --> 00:08:26,760 Speaker 1: the right approach and just being open to solving those problems. 166 00:08:26,480 --> 00:08:28,760 Speaker 1: That's part of the battle. Yeah. 167 00:08:28,800 --> 00:08:31,040 Speaker 2: Yeah, we're going to talk about this later, but just 168 00:08:31,200 --> 00:08:34,360 Speaker 2: to our listeners, we know brain science tells us when 169 00:08:34,400 --> 00:08:37,880 Speaker 2: we are afraid and overwhelmed. The thinking centers in our 170 00:08:37,920 --> 00:08:41,320 Speaker 2: brain shut down and the alarm centers in our brain 171 00:08:41,360 --> 00:08:44,400 Speaker 2: gets activated. And so if you're feeling like I can't 172 00:08:44,440 --> 00:08:46,839 Speaker 2: even think of a solution, I can't think of a 173 00:08:46,880 --> 00:08:50,040 Speaker 2: way out, there's a physiological reason. It's not your fault. 174 00:08:50,080 --> 00:08:52,000 Speaker 2: It's just something going on with your brain, which is 175 00:08:52,040 --> 00:08:54,960 Speaker 2: why it can be really helpful to have somebody who 176 00:08:55,000 --> 00:08:58,559 Speaker 2: gets it, who understands the overwhelmed, to come along beside 177 00:08:58,640 --> 00:09:02,240 Speaker 2: and say, hey, let's consent. Are these things there are solutions? 178 00:09:03,440 --> 00:09:06,760 Speaker 1: Oh? Absolutely. One of the great lessons, thinking back about 179 00:09:06,800 --> 00:09:09,640 Speaker 1: my own experience, just kind of tie some of these 180 00:09:09,679 --> 00:09:12,000 Speaker 1: pieces together. It's one of the lessons I really learned 181 00:09:12,000 --> 00:09:15,160 Speaker 1: early on was no matter how overwhelmed you are, there's 182 00:09:15,200 --> 00:09:19,600 Speaker 1: a processed personal finance. There's tools, there's our knowledge, our skills. 183 00:09:19,600 --> 00:09:22,040 Speaker 1: We can always improve our knowledge and skills. The other 184 00:09:22,080 --> 00:09:25,480 Speaker 1: part of that is, despite where you come from or 185 00:09:25,520 --> 00:09:27,480 Speaker 1: your current challenges, or I should say it this way, 186 00:09:27,559 --> 00:09:30,120 Speaker 1: despite even if you're if you're struggling right now and 187 00:09:30,160 --> 00:09:33,760 Speaker 1: you're overwhelmed, maybe you're listening in similar situation you feel 188 00:09:33,800 --> 00:09:36,320 Speaker 1: the stress of maybe being poor at this point in 189 00:09:36,360 --> 00:09:39,160 Speaker 1: your life. One thing to think about is that when 190 00:09:39,200 --> 00:09:42,520 Speaker 1: it comes to personal finance. Wealth in itself does not 191 00:09:42,760 --> 00:09:45,280 Speaker 1: mean just because you're in a situation right now, that 192 00:09:45,360 --> 00:09:47,920 Speaker 1: you're not going to have to rebuild or find a 193 00:09:48,000 --> 00:09:51,560 Speaker 1: different solution when hardship comes your way. That's one of 194 00:09:51,600 --> 00:09:54,319 Speaker 1: the great lessons here. I used to always think, you know, man, 195 00:09:54,360 --> 00:09:56,200 Speaker 1: what am I supposed to do to fix these things? 196 00:09:56,760 --> 00:10:00,000 Speaker 1: But as we're talking about right now, things happen in life. 197 00:10:00,080 --> 00:10:03,440 Speaker 1: Hardship happens, you lose a job, maybe you've had additional 198 00:10:03,520 --> 00:10:05,960 Speaker 1: children and your income no, or it keeps up. Personal 199 00:10:06,000 --> 00:10:08,240 Speaker 1: finance is not a static thing. That's really what I'm 200 00:10:08,240 --> 00:10:12,319 Speaker 1: trying to say. So despite where you're at, despite your situation, 201 00:10:12,720 --> 00:10:15,680 Speaker 1: your hardship, the more we can open ourselves to learning 202 00:10:15,920 --> 00:10:19,600 Speaker 1: and understanding more about personal finance, it changes our lives. 203 00:10:20,040 --> 00:10:22,160 Speaker 1: It can change your life absolutely. 204 00:10:22,240 --> 00:10:24,000 Speaker 2: Thinking about all that, what would you say to the 205 00:10:24,080 --> 00:10:28,240 Speaker 2: listener right now who's like, I am overwhelmed, I am 206 00:10:28,720 --> 00:10:32,000 Speaker 2: literally drowning. What's one thing you'd say to them? 207 00:10:32,200 --> 00:10:35,080 Speaker 1: Oh? Yes, Well, first of all, as I mentioned, there's 208 00:10:35,080 --> 00:10:38,160 Speaker 1: always a remedy. Okay, there's always solutions to this. Now 209 00:10:38,600 --> 00:10:41,640 Speaker 1: we can get into very detailed discussion if you like. 210 00:10:41,880 --> 00:10:43,839 Speaker 1: But the first thing is that we want you to 211 00:10:43,880 --> 00:10:47,000 Speaker 1: be aware of what we can offer at Trinity is 212 00:10:47,080 --> 00:10:50,960 Speaker 1: able to answer these types of questions with very non staff, 213 00:10:51,080 --> 00:10:53,800 Speaker 1: and all of us are able to help answer any 214 00:10:53,880 --> 00:10:57,160 Speaker 1: type of questions that you have, whether it's fixing something 215 00:10:57,160 --> 00:10:59,560 Speaker 1: in your credit score, understanding how to budget. But I 216 00:10:59,559 --> 00:11:03,000 Speaker 1: would say our listeners, despite the technical aspects of those things, 217 00:11:03,320 --> 00:11:05,960 Speaker 1: the first thing is just understand that you have to 218 00:11:05,960 --> 00:11:09,080 Speaker 1: be honest with yourself. Sometimes when we're dealing with financial anxiety, 219 00:11:09,120 --> 00:11:12,000 Speaker 1: there's a tendency for some folks to maybe want to 220 00:11:12,080 --> 00:11:15,160 Speaker 1: run away from that situation in some cases, or maybe 221 00:11:15,280 --> 00:11:16,240 Speaker 1: just not confront it. 222 00:11:16,200 --> 00:11:18,880 Speaker 2: Fully understandably because it can feel overwhelming. 223 00:11:19,280 --> 00:11:22,480 Speaker 1: It does. It feels overwhelming. I'm encouraging folks to just 224 00:11:22,520 --> 00:11:25,760 Speaker 1: pick up the phone, let's talk. Let's call Trinity. Let's 225 00:11:25,800 --> 00:11:27,760 Speaker 1: just take a deep breath for a second. We have 226 00:11:27,880 --> 00:11:30,160 Speaker 1: the understanding, we know the tools to use, and as 227 00:11:30,200 --> 00:11:33,439 Speaker 1: I said, there's always a solution here. So if you're overwhelmed, 228 00:11:33,480 --> 00:11:35,360 Speaker 1: give us a call of Trinity. Yeah, let's let us 229 00:11:35,440 --> 00:11:38,119 Speaker 1: hear your story so that we can start that conversation, 230 00:11:38,280 --> 00:11:40,200 Speaker 1: try to align and write strategies to help you. 231 00:11:40,559 --> 00:11:42,880 Speaker 2: Yeah. Yeah, And one thing we talk a lot on 232 00:11:42,960 --> 00:11:46,600 Speaker 2: the Faith Over Fear podcast is our experiences today always 233 00:11:46,640 --> 00:11:48,959 Speaker 2: have threads in our past. Right like you shared your 234 00:11:49,000 --> 00:11:51,679 Speaker 2: story for me, my story was I had so I 235 00:11:51,720 --> 00:11:54,160 Speaker 2: actually went through a period of homelessness too as a teenager, 236 00:11:54,280 --> 00:11:57,120 Speaker 2: and so just anxiety didn't matter what we had in 237 00:11:57,160 --> 00:11:59,800 Speaker 2: the bank account. I had financial anxiety just from the 238 00:12:00,240 --> 00:12:02,880 Speaker 2: So I want to encourage our listeners when you have 239 00:12:03,120 --> 00:12:07,080 Speaker 2: space to prayerfully consider whether past wounds or seasons of 240 00:12:07,160 --> 00:12:11,720 Speaker 2: instability might be fueling your present anxiety. Recognize that God understands. 241 00:12:11,760 --> 00:12:14,800 Speaker 2: He's not frustrated with your struggle. He meets you in 242 00:12:14,840 --> 00:12:19,080 Speaker 2: it with compassion and a compassion that moves him to action. 243 00:12:19,200 --> 00:12:21,400 Speaker 2: And I also want to share with listeners. I will 244 00:12:21,440 --> 00:12:23,439 Speaker 2: share a free resource in the show notes that will 245 00:12:23,440 --> 00:12:26,600 Speaker 2: help you process today's content more deeply. And we're also 246 00:12:26,640 --> 00:12:29,120 Speaker 2: going to of course put Todd's information in the show 247 00:12:29,160 --> 00:12:31,640 Speaker 2: notes so that you can at it in a place 248 00:12:31,679 --> 00:12:34,319 Speaker 2: where you can maybe take a deep breath and digest this, 249 00:12:34,480 --> 00:12:36,920 Speaker 2: maybe for some of you, in bits and pieces, and 250 00:12:37,040 --> 00:12:41,439 Speaker 2: invite God his presence into the middle of your overwhelm. 251 00:12:41,520 --> 00:12:44,920 Speaker 2: And so, now if we're speaking, because God always, always 252 00:12:45,280 --> 00:12:48,760 Speaker 2: always leads us towards increased freedom. Jesus said, I came 253 00:12:48,760 --> 00:12:50,600 Speaker 2: that you might have life, and you might have it 254 00:12:50,640 --> 00:12:53,600 Speaker 2: to the full. That was not a hyperbole. So with 255 00:12:53,679 --> 00:12:56,000 Speaker 2: that in minds, we already know where you came from. Right, 256 00:12:56,160 --> 00:13:00,000 Speaker 2: How did God begin to meet you in your financial struggle? 257 00:13:00,840 --> 00:13:03,680 Speaker 1: Yeah? So I was very fortunate that coming out of 258 00:13:03,679 --> 00:13:06,240 Speaker 1: graduate school I got an opportunity to work for Trinity. 259 00:13:06,280 --> 00:13:08,240 Speaker 1: I truly believe that this was just one of those 260 00:13:08,280 --> 00:13:10,880 Speaker 1: moments that it's beyond luck. It had to be bringing 261 00:13:10,920 --> 00:13:13,200 Speaker 1: me forward, because here I am coming out of graduate 262 00:13:13,240 --> 00:13:16,200 Speaker 1: school myself. I'm struggling. I'm broke, I have a hernie 263 00:13:16,200 --> 00:13:18,679 Speaker 1: in my stomach. I haven't been to a doctor, a dentist. 264 00:13:19,760 --> 00:13:20,960 Speaker 2: Did you have health insurance? 265 00:13:21,480 --> 00:13:22,439 Speaker 1: I had no health insurance. 266 00:13:22,440 --> 00:13:23,360 Speaker 2: Oh wow, Yeah. 267 00:13:23,400 --> 00:13:25,680 Speaker 1: I started college a little later, so I was in 268 00:13:25,720 --> 00:13:29,280 Speaker 1: a real situation. Here. What happens is I wrote a 269 00:13:29,320 --> 00:13:33,000 Speaker 1: financial education grant for Trinity. It was a fantastic opportunity 270 00:13:33,040 --> 00:13:35,480 Speaker 1: where I used to pray that I just wanted an opportunity, 271 00:13:35,600 --> 00:13:37,760 Speaker 1: you know, just give me an opportunity to do something, 272 00:13:37,960 --> 00:13:41,000 Speaker 1: and had that opportunity at Trinity was financial education. So 273 00:13:41,040 --> 00:13:44,160 Speaker 1: we were able to get the grant. Good things happened afterwards, 274 00:13:44,200 --> 00:13:46,319 Speaker 1: and I've been there ever since, those moments that come 275 00:13:46,360 --> 00:13:49,600 Speaker 1: in life that you can't fully explain that it truly 276 00:13:49,679 --> 00:13:52,440 Speaker 1: changed you and changed the entire trajectory of your life. 277 00:13:52,520 --> 00:13:55,040 Speaker 1: I mean truly, that kind of was my experience coming 278 00:13:55,040 --> 00:13:55,640 Speaker 1: out of school. 279 00:13:55,960 --> 00:13:58,240 Speaker 2: Yeah, I love that. So what was it like go 280 00:13:58,360 --> 00:14:00,800 Speaker 2: back if you can, to put yourself back in that place? 281 00:14:00,840 --> 00:14:03,760 Speaker 2: What was it like in that moment when you're overwhelmed 282 00:14:03,800 --> 00:14:06,400 Speaker 2: and you don't really know the path forward and to 283 00:14:06,440 --> 00:14:10,360 Speaker 2: realize that God saw your stress and was leading you, gently, 284 00:14:10,440 --> 00:14:13,160 Speaker 2: leading you towards help and transformation. 285 00:14:13,559 --> 00:14:16,760 Speaker 1: Yeah, it's really whenever you're well, at least from me 286 00:14:17,000 --> 00:14:19,560 Speaker 1: and I'm sure others, when you have a situation when 287 00:14:19,640 --> 00:14:23,080 Speaker 1: that door finally opens, even when you can't explain fully 288 00:14:23,120 --> 00:14:25,960 Speaker 1: why that happens. I did feel a great deal of 289 00:14:26,000 --> 00:14:28,800 Speaker 1: stress just to immediately change, I mean things that weight 290 00:14:29,000 --> 00:14:31,720 Speaker 1: started to lift off my shoulders, and the stress of 291 00:14:31,840 --> 00:14:34,400 Speaker 1: just not being able you mentioned not being able to process. 292 00:14:34,440 --> 00:14:37,120 Speaker 1: I mean I was in a situation where things would 293 00:14:37,120 --> 00:14:39,320 Speaker 1: have gone bad, and I'm not sure what would have 294 00:14:39,360 --> 00:14:41,960 Speaker 1: happened if I had not landed the job at that time. 295 00:14:42,000 --> 00:14:44,240 Speaker 1: Because I was I had some severe health issues at 296 00:14:44,240 --> 00:14:46,440 Speaker 1: that point, you know, I mean it was actually an 297 00:14:46,440 --> 00:14:49,200 Speaker 1: emergency situation. I learned that after I got health care 298 00:14:49,200 --> 00:14:51,400 Speaker 1: insurance that they told me, I go to a doctor 299 00:14:51,400 --> 00:14:53,440 Speaker 1: and they tell me, well, guess what, next week, you're 300 00:14:53,480 --> 00:14:54,200 Speaker 1: going to surgery. 301 00:14:54,280 --> 00:14:57,640 Speaker 2: So wow, So God's provision was right on time. 302 00:14:57,800 --> 00:15:00,440 Speaker 1: Yeah, it was right on time. I remember going and 303 00:15:00,480 --> 00:15:02,680 Speaker 1: they asked me how long I'd had this problem, and 304 00:15:02,720 --> 00:15:05,400 Speaker 1: that you know, for years, and they said, well, you know, 305 00:15:05,520 --> 00:15:08,600 Speaker 1: next week you're going straight to emergency surgery. So these 306 00:15:09,040 --> 00:15:13,280 Speaker 1: things happen. But yeah, these situations again opening yourself up 307 00:15:13,480 --> 00:15:17,760 Speaker 1: and asking, asking God for guidance and humbling yourself and 308 00:15:17,840 --> 00:15:20,800 Speaker 1: just being open to receive very very important. 309 00:15:20,920 --> 00:15:24,040 Speaker 2: Yeah. Well, and scripture reminds us that the Lord is 310 00:15:24,080 --> 00:15:27,760 Speaker 2: our provider and he's not limited by resources, He's not 311 00:15:27,880 --> 00:15:31,720 Speaker 2: restrained by our circumstances. He owns everything, and like I said, 312 00:15:31,720 --> 00:15:44,800 Speaker 2: he lovingly leads us towards flourishing. I'd love to hear 313 00:15:44,880 --> 00:15:48,320 Speaker 2: now what that process looked like for you. So as 314 00:15:48,320 --> 00:15:51,120 Speaker 2: you began, so you're with Trinity Debt Management, and I'm 315 00:15:51,120 --> 00:15:53,520 Speaker 2: sure you're just it's like a mind blow, right, like 316 00:15:53,640 --> 00:15:57,280 Speaker 2: so much information that was new to you what surprised 317 00:15:57,320 --> 00:15:59,720 Speaker 2: you most initially as you began your journey. 318 00:16:00,080 --> 00:16:02,840 Speaker 1: One of the things, and I may have mentioned this earlier, 319 00:16:02,880 --> 00:16:05,600 Speaker 1: but I can't really overstate this. The thing that surprised 320 00:16:05,600 --> 00:16:09,320 Speaker 1: me most looking as I started to learn more myself 321 00:16:09,560 --> 00:16:12,800 Speaker 1: about personal finance is just one the number of folks 322 00:16:12,840 --> 00:16:15,320 Speaker 1: who actually are struggling, and it comes in all sorts 323 00:16:15,360 --> 00:16:19,160 Speaker 1: of variations, job loss, et cetera. But the other thing, 324 00:16:19,200 --> 00:16:22,280 Speaker 1: probably the bigger lesson for me again is that it 325 00:16:22,360 --> 00:16:25,400 Speaker 1: was not your education. It's not how much money you 326 00:16:25,480 --> 00:16:28,480 Speaker 1: currently have. You can be very high earner and still 327 00:16:28,520 --> 00:16:31,720 Speaker 1: have significant debt. So I used to have this idea 328 00:16:31,760 --> 00:16:34,080 Speaker 1: in my mind that there was some kind of magic 329 00:16:34,160 --> 00:16:40,680 Speaker 1: formula to proving yourself financially and you know, right, everything's 330 00:16:40,760 --> 00:16:43,320 Speaker 1: going to be great. Well that's just not realistic. You know, 331 00:16:43,360 --> 00:16:45,640 Speaker 1: that's not reality. So that was a real eye opener 332 00:16:45,680 --> 00:16:48,840 Speaker 1: for me to see that, Okay, well, yeah, you've you've 333 00:16:48,840 --> 00:16:51,000 Speaker 1: got your college degree, now you're working, you have a 334 00:16:51,080 --> 00:16:54,160 Speaker 1: job and everything. Again, you can build wealth. If you're 335 00:16:54,200 --> 00:16:57,520 Speaker 1: out there listening, you are able to build wealth despite 336 00:16:57,520 --> 00:17:00,600 Speaker 1: your situation right now. We can help improve where you're at. 337 00:17:00,680 --> 00:17:03,200 Speaker 1: We can turn things around, and that the other side 338 00:17:03,200 --> 00:17:05,080 Speaker 1: from me again, was just looking at the number of 339 00:17:05,080 --> 00:17:07,840 Speaker 1: folks that they've got education, they have health care, they 340 00:17:07,920 --> 00:17:10,080 Speaker 1: got all these tools that I'm kind of dreaming that 341 00:17:10,119 --> 00:17:13,119 Speaker 1: I can finally get my hands on. And then you 342 00:17:13,359 --> 00:17:16,239 Speaker 1: learn that life can throw a lot of curveballs, and 343 00:17:16,800 --> 00:17:19,159 Speaker 1: so you're not in a situation that's just It's not 344 00:17:19,240 --> 00:17:22,800 Speaker 1: green grass all the time, and so folks are always 345 00:17:22,840 --> 00:17:26,040 Speaker 1: having to confront That's why I always say with folks 346 00:17:26,040 --> 00:17:28,360 Speaker 1: that I'm counseling, just that we have to tackle those 347 00:17:28,440 --> 00:17:31,000 Speaker 1: challenges when they're in front of us. There's despite income, 348 00:17:31,080 --> 00:17:33,479 Speaker 1: de spider situation, things are going to happen, and then 349 00:17:33,520 --> 00:17:35,399 Speaker 1: we have to figure out how do we how do 350 00:17:35,400 --> 00:17:36,560 Speaker 1: we solve those problems? 351 00:17:36,960 --> 00:17:38,840 Speaker 2: Yeah, well, I want to go back to the brain science. 352 00:17:38,920 --> 00:17:42,480 Speaker 2: They have discovered that the brain can handle really hard 353 00:17:42,560 --> 00:17:45,400 Speaker 2: things for a really long time as long as we're 354 00:17:45,440 --> 00:17:48,040 Speaker 2: not doing it alone. And sometimes getting out of debt 355 00:17:48,200 --> 00:17:52,320 Speaker 2: and rerouting our finances can be a journey that takes 356 00:17:52,359 --> 00:17:54,560 Speaker 2: a little bit of work and it takes some perseverance. 357 00:17:54,680 --> 00:17:57,360 Speaker 2: And so how do your for you both when you 358 00:17:57,440 --> 00:18:02,000 Speaker 2: were beginning to shift towards financial security and also in 359 00:18:02,040 --> 00:18:05,879 Speaker 2: what you offer, how does having that additional support walking beside. 360 00:18:05,920 --> 00:18:07,879 Speaker 2: So let me go back and I will share a 361 00:18:07,880 --> 00:18:10,399 Speaker 2: little thing we've done foster care in the past, and 362 00:18:10,440 --> 00:18:13,160 Speaker 2: that's a big part of our trying to teach breaking 363 00:18:13,200 --> 00:18:16,000 Speaker 2: away from generational poverty, right and trying to give some 364 00:18:16,160 --> 00:18:18,359 Speaker 2: skills like this is how you begin to manage your money. 365 00:18:18,400 --> 00:18:22,439 Speaker 2: And it's hard for these young adults if they're on 366 00:18:22,520 --> 00:18:25,199 Speaker 2: their own, like they may want to do it, but 367 00:18:25,320 --> 00:18:27,359 Speaker 2: to begin to try to walk it out on their own, 368 00:18:28,000 --> 00:18:31,040 Speaker 2: it can be really hard to get the stickiness back 369 00:18:31,160 --> 00:18:34,440 Speaker 2: or I guess, so, how does Trinity debt Management? How 370 00:18:34,440 --> 00:18:37,560 Speaker 2: can that kind of step in and help people with 371 00:18:37,760 --> 00:18:39,000 Speaker 2: that perseverance peace. 372 00:18:39,320 --> 00:18:41,360 Speaker 1: Yeah, So there are any number of ways that we're 373 00:18:41,400 --> 00:18:43,760 Speaker 1: able to help there. I mean, just in terms of 374 00:18:43,840 --> 00:18:46,239 Speaker 1: young you know, thinking about younger students. I mean, one 375 00:18:46,240 --> 00:18:48,600 Speaker 1: of the things I've been committed to is being strong 376 00:18:48,640 --> 00:18:51,000 Speaker 1: advocate for youth financial education here in Cincinnati. 377 00:18:51,119 --> 00:18:51,359 Speaker 2: Amen. 378 00:18:51,760 --> 00:18:54,560 Speaker 1: That's actually how I land the job at Trinity was 379 00:18:54,640 --> 00:18:57,480 Speaker 1: in youth financial education. That was my beginning. But we 380 00:18:57,600 --> 00:19:00,399 Speaker 1: deal a lot with families where they're looking whether their 381 00:19:00,480 --> 00:19:03,680 Speaker 1: kids are heading off to college or or families are 382 00:19:04,160 --> 00:19:08,000 Speaker 1: looking for solutions to build credit for one of their children. 383 00:19:08,040 --> 00:19:11,439 Speaker 1: We're always trying to find ways to encourage families to 384 00:19:11,480 --> 00:19:14,280 Speaker 1: be involved in education. So we offer a lot of 385 00:19:14,280 --> 00:19:17,520 Speaker 1: resources at the Office for Youth Financial Education, primarily at 386 00:19:17,520 --> 00:19:20,160 Speaker 1: the middle school and high school level, college level, orally 387 00:19:20,720 --> 00:19:23,120 Speaker 1: god yeah, so we're doing a lot of work there. 388 00:19:23,160 --> 00:19:26,399 Speaker 1: But for folks broadly that want to start this journey, 389 00:19:26,480 --> 00:19:29,240 Speaker 1: so you can always go to our website. There's information 390 00:19:29,320 --> 00:19:32,600 Speaker 1: listed on Trinity's website Trinity Credit dot org. But again 391 00:19:32,720 --> 00:19:35,159 Speaker 1: I encourage folks just give us a call, and we 392 00:19:35,440 --> 00:19:37,800 Speaker 1: like to engage in that conversation to find out where 393 00:19:37,800 --> 00:19:39,840 Speaker 1: you're at so we can best use your time and 394 00:19:40,080 --> 00:19:42,240 Speaker 1: align the resources to you that you truly need. So 395 00:19:42,280 --> 00:19:45,680 Speaker 1: if you're struggling financially and you want more resources, even 396 00:19:45,720 --> 00:19:48,960 Speaker 1: despite our core debt management program, we're going to lead 397 00:19:49,000 --> 00:19:51,240 Speaker 1: you in the right direction to finanswers. You know, we 398 00:19:51,280 --> 00:19:54,760 Speaker 1: get calls sometimes that folks want budgeting assistance, or they 399 00:19:54,760 --> 00:19:57,240 Speaker 1: want something that will help them improve their credit score, 400 00:19:57,480 --> 00:20:01,080 Speaker 1: or sometimes folks are dreaming of being being an entrepreneur 401 00:20:01,280 --> 00:20:03,960 Speaker 1: and they've had some outstanding debts that have created issues 402 00:20:04,000 --> 00:20:06,640 Speaker 1: where they just can't get an SBA loan small business loan. 403 00:20:06,800 --> 00:20:09,800 Speaker 1: So we have those conversations. So Trinity, in addition to 404 00:20:09,920 --> 00:20:13,880 Speaker 1: its debt management program, we do so much with helping 405 00:20:14,000 --> 00:20:17,600 Speaker 1: individuals and families answering those core personal finance questions. 406 00:20:17,720 --> 00:20:19,560 Speaker 2: Yeah. Well, here's a couple of the reasons. I really 407 00:20:19,560 --> 00:20:21,760 Speaker 2: love that from a personal level and why I was 408 00:20:21,800 --> 00:20:23,800 Speaker 2: so excited to have you on. When I was in 409 00:20:23,840 --> 00:20:26,280 Speaker 2: my late teenage years and I was homeless and I'm 410 00:20:26,320 --> 00:20:28,359 Speaker 2: kind of moving from place to place, I had no 411 00:20:28,520 --> 00:20:31,600 Speaker 2: clue there were any resources for me. And I think 412 00:20:31,640 --> 00:20:33,560 Speaker 2: if I had known that I had places to go, 413 00:20:33,640 --> 00:20:35,360 Speaker 2: that I could get some help, that I could get 414 00:20:35,400 --> 00:20:39,280 Speaker 2: some education, that season, very very painful, frightening season would 415 00:20:39,320 --> 00:20:42,600 Speaker 2: have been shortened. And then the second thing I would say, thankfully, 416 00:20:43,000 --> 00:20:46,480 Speaker 2: my husband came from a family that they just have 417 00:20:46,600 --> 00:20:49,480 Speaker 2: a lot of financial sense for passing down. I don't 418 00:20:49,480 --> 00:20:50,199 Speaker 2: know where they got it. 419 00:20:50,359 --> 00:20:53,840 Speaker 1: I really loved the comment about just the resources, because again, 420 00:20:54,000 --> 00:20:58,280 Speaker 1: for so many folks, knowledge skills, not knowing is a 421 00:20:58,320 --> 00:21:00,240 Speaker 1: big part of hardship. 422 00:21:00,359 --> 00:21:00,439 Speaker 2: Ye. 423 00:21:00,640 --> 00:21:03,400 Speaker 1: If what we don't know, it truly, it truly does 424 00:21:03,480 --> 00:21:06,560 Speaker 1: hurt us. Yeah, and that's why I've always been such 425 00:21:06,600 --> 00:21:09,439 Speaker 1: an advocate for financial education and for the work that 426 00:21:09,480 --> 00:21:11,919 Speaker 1: we do at Trinity because if we can shortcut that 427 00:21:12,040 --> 00:21:14,959 Speaker 1: route to a solution, you know, whether it's someone that 428 00:21:15,000 --> 00:21:17,280 Speaker 1: would have been younger looking for a resource. And I 429 00:21:17,359 --> 00:21:20,120 Speaker 1: work like this all the time. Where folks are it's 430 00:21:20,160 --> 00:21:22,720 Speaker 1: that gap of what they don't know. Yeah, and you know, 431 00:21:22,760 --> 00:21:25,479 Speaker 1: so I'm always looking to put resources in front of folks. 432 00:21:25,560 --> 00:21:27,600 Speaker 1: The other thing too, is there's a lot of advice 433 00:21:27,800 --> 00:21:29,920 Speaker 1: in the world. There's a lot of people talking about 434 00:21:30,000 --> 00:21:30,880 Speaker 1: personal finance. 435 00:21:30,920 --> 00:21:31,080 Speaker 2: Wow. 436 00:21:31,200 --> 00:21:34,080 Speaker 1: Yeah, And we try to get it right, you know, 437 00:21:34,200 --> 00:21:35,920 Speaker 1: we try to We want to make certain that we're 438 00:21:35,960 --> 00:21:39,359 Speaker 1: grounded in the things that truly will be outcome driven 439 00:21:39,480 --> 00:21:42,560 Speaker 1: for you. So part of that shortcut is really for 440 00:21:42,680 --> 00:21:45,080 Speaker 1: us to drill down, give you the right information so 441 00:21:45,119 --> 00:21:47,600 Speaker 1: that we can use your time and money and resources 442 00:21:47,760 --> 00:21:49,800 Speaker 1: shorten that gap so that you can get the things 443 00:21:49,800 --> 00:21:51,320 Speaker 1: that you need, the credit that you need, or the 444 00:21:51,359 --> 00:21:52,320 Speaker 1: outcomes that you need. 445 00:21:52,640 --> 00:21:55,480 Speaker 2: Yeah. Well, and that's what I love about your story 446 00:21:55,560 --> 00:21:58,720 Speaker 2: is that you recognize God's hand in it. You're following 447 00:21:58,800 --> 00:22:01,480 Speaker 2: his leading now, and so as long as the Lord 448 00:22:01,560 --> 00:22:04,880 Speaker 2: is driving the bus and we're prayerfully following him, we 449 00:22:04,920 --> 00:22:07,119 Speaker 2: can trust that He's going to lead us where we 450 00:22:07,160 --> 00:22:09,480 Speaker 2: need to go. Now, take us back. Where are you 451 00:22:09,640 --> 00:22:13,600 Speaker 2: now compared to you started with this like this health 452 00:22:13,640 --> 00:22:17,360 Speaker 2: crisis and no way to really take care of your 453 00:22:17,359 --> 00:22:20,480 Speaker 2: basic needs, and then God intervened and he led you 454 00:22:20,560 --> 00:22:23,359 Speaker 2: on this journey, which I'm sure wasn't quick. But where 455 00:22:23,359 --> 00:22:23,920 Speaker 2: are you now? 456 00:22:24,480 --> 00:22:26,880 Speaker 1: Yeah, that's well, I'll tell you. I truly do feel 457 00:22:26,920 --> 00:22:31,520 Speaker 1: blessed because I've been fortunate to work for an organization 458 00:22:32,000 --> 00:22:34,840 Speaker 1: trinity as long as I have, where every day there's 459 00:22:34,840 --> 00:22:37,439 Speaker 1: a sense of purpose and meaning. That's very important. I mean, 460 00:22:37,480 --> 00:22:39,840 Speaker 1: anyone who is on the call knows that in your 461 00:22:39,880 --> 00:22:42,760 Speaker 1: core work with that purpose and meaning, life is very different. 462 00:22:42,800 --> 00:22:46,400 Speaker 1: So I've been very blessed there to have that opportunity financially, 463 00:22:46,520 --> 00:22:50,159 Speaker 1: coming from a background where I constantly was worry and 464 00:22:50,200 --> 00:22:52,240 Speaker 1: struggle about money and those sorts of things. I own 465 00:22:52,280 --> 00:22:55,119 Speaker 1: a home, not constantly stressed about money. All of us 466 00:22:55,160 --> 00:22:57,280 Speaker 1: have our own money issues. I have a daughter that's 467 00:22:57,280 --> 00:22:59,600 Speaker 1: now in college, so that's created an issue for me. 468 00:23:00,040 --> 00:23:02,600 Speaker 2: Yeah, and our listeners are like, I hear that. 469 00:23:03,280 --> 00:23:06,159 Speaker 1: Yeah, so I have two kids now. But you know, 470 00:23:06,520 --> 00:23:10,000 Speaker 1: looking back, sometimes I kind of shake myself. I'm thinking, Wow, 471 00:23:10,040 --> 00:23:12,120 Speaker 1: you know, I can't believe I actually made it this far. 472 00:23:12,240 --> 00:23:14,680 Speaker 1: When you come from hardship, and then you're thinking at 473 00:23:14,680 --> 00:23:16,719 Speaker 1: one point, you know, I'm first to go to college 474 00:23:16,720 --> 00:23:18,959 Speaker 1: and my family, and then I've seen my daughter go 475 00:23:19,000 --> 00:23:21,560 Speaker 1: off to college here recently. Your kids are your kids 476 00:23:21,600 --> 00:23:24,560 Speaker 1: are doing well, You're doing well, I've been married. Those 477 00:23:24,600 --> 00:23:27,680 Speaker 1: are the blessings that life that you that you aim for. 478 00:23:27,960 --> 00:23:32,359 Speaker 1: So part of that is just believing and believing in 479 00:23:32,400 --> 00:23:35,320 Speaker 1: God and having faith and trusting in that faith, which 480 00:23:35,359 --> 00:23:37,679 Speaker 1: I do very strongly. And then I think it's very 481 00:23:37,680 --> 00:23:40,240 Speaker 1: important for you to have blessings to be rooted in 482 00:23:40,359 --> 00:23:44,320 Speaker 1: helping others. That's core to my beliefs and my values 483 00:23:44,440 --> 00:23:46,600 Speaker 1: is being committed to serving others. Yeah. 484 00:23:46,680 --> 00:23:49,760 Speaker 2: Yeah, Well I want to add one thing here as well. 485 00:23:50,000 --> 00:23:51,720 Speaker 2: For those who are listening, they're like, you know what, 486 00:23:52,160 --> 00:23:56,520 Speaker 2: not in huge financial debt, we're skirting by. Well, a 487 00:23:56,560 --> 00:23:59,080 Speaker 2: little personal story. When we my daughter was I want 488 00:23:59,080 --> 00:24:00,520 Speaker 2: to say, she was like five, we were in a 489 00:24:00,600 --> 00:24:03,760 Speaker 2: really difficult place. We were in debt and we would 490 00:24:03,840 --> 00:24:08,600 Speaker 2: just spend and think about it later, right, and and 491 00:24:08,760 --> 00:24:11,439 Speaker 2: our credit cards were maxed out and we realized we 492 00:24:11,560 --> 00:24:13,960 Speaker 2: have to make some changes, right or we either take 493 00:24:14,000 --> 00:24:17,560 Speaker 2: out more credit cards and bury ourselves further and so 494 00:24:17,720 --> 00:24:19,880 Speaker 2: that was the Christmas. Actually we did no Christmas gift, 495 00:24:20,040 --> 00:24:24,160 Speaker 2: no purchase Christmas gifts, and we began to learn some tools. 496 00:24:24,320 --> 00:24:26,920 Speaker 2: But now I want to fast forward. We were able 497 00:24:26,960 --> 00:24:29,920 Speaker 2: to learn some tools of how to manage our money well, 498 00:24:30,119 --> 00:24:33,119 Speaker 2: and we got out of debt and we actually built 499 00:24:33,240 --> 00:24:35,359 Speaker 2: up a little bit of a nest egg. Well, we 500 00:24:35,440 --> 00:24:39,119 Speaker 2: went through after it was in I think two thousand 501 00:24:39,119 --> 00:24:41,000 Speaker 2: and eight, and you might remember that was a time 502 00:24:41,040 --> 00:24:44,000 Speaker 2: that hit our country pretty hard and we went through 503 00:24:44,040 --> 00:24:47,280 Speaker 2: a series of unemployment. Well, the beautiful part of that 504 00:24:47,680 --> 00:24:51,440 Speaker 2: was God had prepared us by both getting us out 505 00:24:51,440 --> 00:24:54,560 Speaker 2: of debt and helping us to manage well. And we 506 00:24:54,600 --> 00:24:58,000 Speaker 2: had to make some pretty big cuts to make that happen. 507 00:24:58,680 --> 00:25:01,320 Speaker 2: But we were able to ride out that season of 508 00:25:01,400 --> 00:25:04,600 Speaker 2: unemployment without going in debt. And so I want to 509 00:25:04,640 --> 00:25:07,760 Speaker 2: speak to the listeners who that is also what God does, 510 00:25:07,840 --> 00:25:11,000 Speaker 2: Like he prepared he helps us in our mess today. 511 00:25:11,600 --> 00:25:14,439 Speaker 2: But he also he's very future minded and so he 512 00:25:14,600 --> 00:25:19,040 Speaker 2: knows what's coming tomorrow that we might not see so 513 00:25:19,240 --> 00:25:22,840 Speaker 2: and he will give us the tools. Sometimes I will 514 00:25:22,840 --> 00:25:24,840 Speaker 2: tell the kids that we're in our home. Sometimes we 515 00:25:24,920 --> 00:25:27,960 Speaker 2: land in crisis because we can't help it. Sometimes we 516 00:25:28,040 --> 00:25:30,879 Speaker 2: land in crisis because we maybe made some choices that 517 00:25:30,920 --> 00:25:34,560 Speaker 2: put us there, but we can always course correct, and 518 00:25:34,600 --> 00:25:37,440 Speaker 2: so I would love thinking about that. What do your 519 00:25:37,560 --> 00:25:39,560 Speaker 2: journey and what you do now and what you see 520 00:25:39,640 --> 00:25:41,679 Speaker 2: him all the ways he shows up. I'm sure you 521 00:25:41,760 --> 00:25:45,240 Speaker 2: just have amazing stories of God moments. But what does 522 00:25:45,280 --> 00:25:48,320 Speaker 2: all of this reveal. What is your journey revealed about 523 00:25:48,320 --> 00:25:48,960 Speaker 2: God's character? 524 00:25:49,359 --> 00:25:53,240 Speaker 1: Well? I think for me what it reveals is the 525 00:25:53,280 --> 00:25:56,639 Speaker 1: great compassion that He has for us. Heymen, I truly 526 00:25:56,680 --> 00:25:59,960 Speaker 1: believe opening yourself up. If there's folks on the call 527 00:26:00,000 --> 00:26:03,280 Speaker 1: all now and whether they've struggled financially or even struggled 528 00:26:03,280 --> 00:26:05,879 Speaker 1: to maybe your faith is somewhat been rattled by a 529 00:26:05,920 --> 00:26:09,000 Speaker 1: financial situation, whether you feel that maybe you know, why 530 00:26:09,040 --> 00:26:12,000 Speaker 1: do these bad things happen to me? Even despite my faith? 531 00:26:12,080 --> 00:26:15,520 Speaker 1: If you can't lose sight of God's compassion, you know 532 00:26:15,640 --> 00:26:17,800 Speaker 1: that that is something I would just really encourage folks 533 00:26:17,800 --> 00:26:20,240 Speaker 1: to think about. I know, for me, I've had moments 534 00:26:20,359 --> 00:26:22,720 Speaker 1: where I've thought those things. Personally, I've thought those things, 535 00:26:22,760 --> 00:26:24,800 Speaker 1: and I think we all do. We have moments. But 536 00:26:24,880 --> 00:26:27,840 Speaker 1: what I've grown in my own faith throughout the years, 537 00:26:27,920 --> 00:26:31,399 Speaker 1: especially since my kids were born and just that was 538 00:26:31,400 --> 00:26:33,640 Speaker 1: a moment. I think for a lot of us were 539 00:26:34,160 --> 00:26:36,720 Speaker 1: Hopefully that does bring you closer to faith with children, 540 00:26:36,760 --> 00:26:40,919 Speaker 1: But for my own learning and growing in faith, God's 541 00:26:40,960 --> 00:26:44,639 Speaker 1: compassion is it's beyond it's beyond compare you know, So 542 00:26:45,160 --> 00:26:47,840 Speaker 1: we have to believe. We have to trust and open 543 00:26:47,880 --> 00:26:50,680 Speaker 1: yourself up to doing the right things. Opening your heart 544 00:26:50,720 --> 00:26:53,560 Speaker 1: and your mind to doing this work. God's compassion will 545 00:26:53,560 --> 00:26:55,520 Speaker 1: be shown to you. I truly believe that. 546 00:26:55,840 --> 00:26:58,680 Speaker 2: Yeah, the other thing you mentioned children, and the other 547 00:26:58,720 --> 00:27:01,000 Speaker 2: thing I think is really exciting. This can offer a 548 00:27:01,080 --> 00:27:02,280 Speaker 2: legacy change as well. 549 00:27:02,480 --> 00:27:05,760 Speaker 1: Oh absolutely yes, when we're doing this work, and I 550 00:27:05,800 --> 00:27:09,080 Speaker 1: truly I've seen this happen. I know in my own 551 00:27:09,119 --> 00:27:12,639 Speaker 1: immediate family and the in the numerous families that we 552 00:27:12,720 --> 00:27:15,919 Speaker 1: work with every week, have faith, do the work. But 553 00:27:16,000 --> 00:27:19,000 Speaker 1: this is life changing stuff. Amen, when we're when we're 554 00:27:19,040 --> 00:27:21,120 Speaker 1: doing this it it you know, if we're thinking about 555 00:27:21,160 --> 00:27:25,879 Speaker 1: intergenerational poverty, life changing. If we're thinking about someone a 556 00:27:25,920 --> 00:27:29,560 Speaker 1: homeless situation in your own particular case there, but you know, 557 00:27:29,840 --> 00:27:33,040 Speaker 1: these are tools that change your life. It changed, It 558 00:27:33,080 --> 00:27:35,639 Speaker 1: breaks the cycle of poverty, It improves the communityator, it 559 00:27:35,680 --> 00:27:38,680 Speaker 1: makes it makes your church stronger. It makes your faith 560 00:27:38,680 --> 00:27:42,399 Speaker 1: community stronger. So personal finance and that journey, you change yourself, 561 00:27:42,400 --> 00:27:43,919 Speaker 1: but you also change those around you. 562 00:27:44,200 --> 00:27:48,400 Speaker 2: Amen. Amen, Amen. I know some listeners right now they're 563 00:27:48,440 --> 00:27:50,920 Speaker 2: feeling a quiet edge. Some might feel a loud nudge 564 00:27:51,080 --> 00:27:54,240 Speaker 2: about a quiet nudge from the Holy Spirit and invitation 565 00:27:54,720 --> 00:27:58,800 Speaker 2: to listen in and to receive help. And so speaking 566 00:27:58,880 --> 00:28:02,320 Speaker 2: to those people in particular, what is maybe some next steps? 567 00:28:02,320 --> 00:28:05,399 Speaker 2: How can you help them not feel so overwhelmed. 568 00:28:05,600 --> 00:28:09,119 Speaker 1: Yeah, Well, first I want to say that we recognize 569 00:28:09,520 --> 00:28:13,040 Speaker 1: the overwhelming feeling that you can have by being stressed 570 00:28:13,080 --> 00:28:16,080 Speaker 1: about money. That is something that we get and we 571 00:28:16,160 --> 00:28:18,800 Speaker 1: understand that that is core to our work at Trinity. 572 00:28:18,840 --> 00:28:21,600 Speaker 1: We do we do this every day. We can help 573 00:28:21,640 --> 00:28:24,359 Speaker 1: you and we understand how to get you out of 574 00:28:24,400 --> 00:28:26,600 Speaker 1: a situation. So what I would purage folks to do. 575 00:28:26,880 --> 00:28:29,080 Speaker 1: Give us a call, let us hear your story, let 576 00:28:29,200 --> 00:28:32,639 Speaker 1: us get into the details of your particular situation. We 577 00:28:32,760 --> 00:28:35,920 Speaker 1: will provide you the counseling that you need, and again 578 00:28:36,000 --> 00:28:38,680 Speaker 1: if you need, if you need a deeper program to 579 00:28:38,720 --> 00:28:41,760 Speaker 1: go into adjusting interest rates and those sorts of things. 580 00:28:41,800 --> 00:28:45,040 Speaker 1: We'll get to that technical question in that call. But 581 00:28:45,080 --> 00:28:47,240 Speaker 1: the most important thing I would do is just pick 582 00:28:47,320 --> 00:28:50,520 Speaker 1: up the phone, call Trinity, let us hear your situation, 583 00:28:50,800 --> 00:28:53,360 Speaker 1: let us understand a little bit more about where you're 584 00:28:53,400 --> 00:28:56,120 Speaker 1: at so that we can provide you the direction that 585 00:28:56,160 --> 00:29:00,600 Speaker 1: you need. Part of being overwhelmed by finances and struggle, 586 00:29:00,640 --> 00:29:03,800 Speaker 1: and you mentioned this earlier, is the knowledge that shortcut 587 00:29:03,800 --> 00:29:06,080 Speaker 1: where do we go to get the information that we need? 588 00:29:06,800 --> 00:29:08,720 Speaker 1: And I'm really proud of the work that we do 589 00:29:08,840 --> 00:29:12,000 Speaker 1: at Trinity I think the callers and the listeners today, 590 00:29:12,080 --> 00:29:14,240 Speaker 1: I think that what you'll find is that will save 591 00:29:14,280 --> 00:29:16,959 Speaker 1: you a lot of time in searching out those solutions. 592 00:29:17,320 --> 00:29:21,040 Speaker 1: You know, in a seven minute call to Trinity, we're 593 00:29:21,040 --> 00:29:23,479 Speaker 1: going to understand your situation. We're going to understand how 594 00:29:23,520 --> 00:29:26,000 Speaker 1: to solve that problem for you and take that relief 595 00:29:26,080 --> 00:29:28,880 Speaker 1: a step further for you. I cannot emphasize enough that 596 00:29:29,320 --> 00:29:32,320 Speaker 1: you're not in this journey alone. Am talking you know, 597 00:29:32,360 --> 00:29:36,040 Speaker 1: we're talking on the podcast here and providing a broader 598 00:29:36,080 --> 00:29:39,040 Speaker 1: conversation about how to improve your personal finances. But we 599 00:29:39,880 --> 00:29:43,240 Speaker 1: have so many resources to share with you. That's number one. 600 00:29:43,320 --> 00:29:46,440 Speaker 1: So regardless of that situation, you don't have to feel 601 00:29:46,480 --> 00:29:49,920 Speaker 1: that sense of overwhelming, that overwhelming feeling of you're stuck. 602 00:29:50,040 --> 00:29:52,280 Speaker 1: You're not stuck. We just need to figure out how 603 00:29:52,280 --> 00:29:53,120 Speaker 1: do we move forward. 604 00:29:53,320 --> 00:29:56,000 Speaker 2: Yeah, listeners might be thinking, I know I need this, 605 00:29:56,440 --> 00:29:59,480 Speaker 2: but I am so overwhelmed with shame of where I'm 606 00:29:59,520 --> 00:30:02,200 Speaker 2: at now, and so I hope that listeners will hear. 607 00:30:02,240 --> 00:30:03,800 Speaker 2: And one of the reasons it was so important to 608 00:30:03,800 --> 00:30:07,440 Speaker 2: me to bring you on is you've been there. You 609 00:30:07,560 --> 00:30:12,640 Speaker 2: understand the complexities, you understand the challenges that can land us. 610 00:30:12,440 --> 00:30:15,160 Speaker 2: It's we don't do this on purpose, right, Like, it's 611 00:30:15,200 --> 00:30:16,560 Speaker 2: not we woke up today and saying, you know what, 612 00:30:16,560 --> 00:30:18,680 Speaker 2: I want to be in debt, And so you understand 613 00:30:18,720 --> 00:30:22,280 Speaker 2: that people can be working really hard and find themselves 614 00:30:22,280 --> 00:30:24,200 Speaker 2: in a situation they don't know how to get out of. 615 00:30:24,320 --> 00:30:28,600 Speaker 2: And so I love that you can help them without 616 00:30:28,720 --> 00:30:30,880 Speaker 2: and maybe even alleviate some of their shame. 617 00:30:31,280 --> 00:30:32,920 Speaker 1: Yeah, I think, and I think you just made a 618 00:30:32,920 --> 00:30:36,640 Speaker 1: great point. Is that I will tell you in practice 619 00:30:36,800 --> 00:30:40,120 Speaker 1: on a daily basis. You know, we hear so much, 620 00:30:40,440 --> 00:30:43,240 Speaker 1: whether it's in media. We tend to think sometimes folks 621 00:30:43,240 --> 00:30:46,360 Speaker 1: are just maybe abusing their credit or they've just gotten 622 00:30:46,400 --> 00:30:51,520 Speaker 1: themselves over overextended. But again, you know, for the majority 623 00:30:51,520 --> 00:30:53,880 Speaker 1: of calls that we get, these are families that are 624 00:30:53,880 --> 00:30:57,280 Speaker 1: struggling because of the numerous just life changes that have 625 00:30:57,320 --> 00:31:01,520 Speaker 1: happened and our inflation, inflation, I mean, using you know, 626 00:31:01,560 --> 00:31:04,960 Speaker 1: again going to one income, the struggle of just trying 627 00:31:05,000 --> 00:31:07,760 Speaker 1: to make it through as a middle income American, you know, 628 00:31:07,840 --> 00:31:11,560 Speaker 1: I mean, these it's just it's really that sense of shame. 629 00:31:12,040 --> 00:31:14,800 Speaker 1: I mean most you know, we have record credit card 630 00:31:14,880 --> 00:31:18,520 Speaker 1: debt in this country right now, and the trillions of dollars, 631 00:31:18,680 --> 00:31:21,680 Speaker 1: and part of that is because folks have had to 632 00:31:21,800 --> 00:31:25,200 Speaker 1: use or rely on credit cards simply to supplement their income. 633 00:31:25,320 --> 00:31:28,440 Speaker 1: So it's not just buying three extra TVs or new 634 00:31:28,480 --> 00:31:30,760 Speaker 1: clothes or new shoes for the kids and things like that. 635 00:31:30,800 --> 00:31:33,680 Speaker 1: It's just debt comes in a lot of different variations. 636 00:31:33,720 --> 00:31:35,920 Speaker 1: So and the sense of shame I think is interesting 637 00:31:35,960 --> 00:31:39,400 Speaker 1: too because when I talked to folks and again yesterday 638 00:31:39,400 --> 00:31:43,280 Speaker 1: talking with folks on calls, many families carry that sense 639 00:31:43,320 --> 00:31:45,600 Speaker 1: of shame when they have to rely on a credit 640 00:31:45,640 --> 00:31:48,800 Speaker 1: card as supplemental income. So you know, they're they're they're 641 00:31:48,840 --> 00:31:51,920 Speaker 1: they don't really want to because of their situation. That 642 00:31:52,000 --> 00:31:55,240 Speaker 1: becomes just an incredible burden on them, you know, wanting 643 00:31:55,280 --> 00:31:57,360 Speaker 1: to do the right thing, but not having the income 644 00:31:57,400 --> 00:31:59,680 Speaker 1: to solve the problems that they currently have. So they 645 00:31:59,720 --> 00:32:02,960 Speaker 1: wind up using credit cards, not just in a wasteful form, 646 00:32:03,000 --> 00:32:06,160 Speaker 1: but they've got to make ends meet somehow. So you 647 00:32:06,240 --> 00:32:09,360 Speaker 1: need to think differently about the topic, you know, set 648 00:32:09,400 --> 00:32:13,200 Speaker 1: that sense of shame aside, understanding that that again, you 649 00:32:13,200 --> 00:32:16,200 Speaker 1: know these situations, You're not the only one in this 650 00:32:16,320 --> 00:32:20,520 Speaker 1: struggle and so and we understand that. And that's one 651 00:32:20,520 --> 00:32:23,760 Speaker 1: of the nice things about Trinity is to have a conversation. 652 00:32:24,400 --> 00:32:26,880 Speaker 1: And I can promise you there's no sense of shame 653 00:32:26,920 --> 00:32:30,640 Speaker 1: in having that conversation. We understand your situation and again 654 00:32:30,840 --> 00:32:32,560 Speaker 1: always looking for the best solution for you. 655 00:32:32,880 --> 00:32:35,000 Speaker 2: Yeah, before we close out, I would love Do you 656 00:32:35,040 --> 00:32:40,560 Speaker 2: have any practical tips that listeners can apply today. 657 00:32:40,640 --> 00:32:44,240 Speaker 1: Yes, So I want to encourage folks to start now 658 00:32:45,080 --> 00:32:48,320 Speaker 1: get a sense of your finances by tracking your expenses. Okay, 659 00:32:48,400 --> 00:32:50,160 Speaker 1: So we hear so often about hey, I want to 660 00:32:50,160 --> 00:32:52,480 Speaker 1: create a budget, or I want to I want to 661 00:32:52,560 --> 00:32:54,920 Speaker 1: raise my credit score, or I want to buy something, 662 00:32:54,960 --> 00:32:56,760 Speaker 1: you know, like a home or something else. We've got 663 00:32:56,760 --> 00:32:59,040 Speaker 1: to start somewhere. So I'm going to encourage you. Let's 664 00:32:59,120 --> 00:33:02,840 Speaker 1: just start down this now, start tracking your expenses I'm 665 00:33:02,840 --> 00:33:04,120 Speaker 1: going to encourage you to do that for the next 666 00:33:04,120 --> 00:33:07,280 Speaker 1: thirty days. Look for those cash expenses outside of what 667 00:33:07,320 --> 00:33:10,520 Speaker 1: you believe you're budgeting. Track those cash expenses. Then I'm 668 00:33:10,560 --> 00:33:13,240 Speaker 1: also going to encourage you to start a budget, regardless 669 00:33:13,280 --> 00:33:15,160 Speaker 1: of your situation, even if you fill it. You're in 670 00:33:15,200 --> 00:33:18,000 Speaker 1: debt right now, I want you to find fifty dollars 671 00:33:18,040 --> 00:33:21,400 Speaker 1: in your budget. Okay, start small. That fifty dollars can 672 00:33:21,440 --> 00:33:25,920 Speaker 1: be used in a remarkable way to accelerate debt repayment. Okay, 673 00:33:25,960 --> 00:33:28,360 Speaker 1: And if you're ever interested in learning more about that, 674 00:33:28,400 --> 00:33:31,040 Speaker 1: I want you to contact Trinity so I can help 675 00:33:31,080 --> 00:33:35,040 Speaker 1: you through that process. But track your expenses, create a budget, 676 00:33:35,440 --> 00:33:37,760 Speaker 1: contact us so we can pull a credit report and 677 00:33:37,800 --> 00:33:41,280 Speaker 1: align some strategies for you. And then again call us 678 00:33:41,280 --> 00:33:43,920 Speaker 1: at Trinity and let us learn more about your situation 679 00:33:44,080 --> 00:33:47,160 Speaker 1: so that we can help you save some time, save money, 680 00:33:47,160 --> 00:33:48,120 Speaker 1: and get you out of debt. 681 00:33:48,280 --> 00:33:50,479 Speaker 2: Yeah. Yeah, well, I especially love how you focused on 682 00:33:51,200 --> 00:33:53,680 Speaker 2: reducing some of the credit because that's that's like eighteen 683 00:33:53,680 --> 00:33:56,760 Speaker 2: percent interest, right, I mean that that's heavy. 684 00:33:57,520 --> 00:34:00,360 Speaker 1: It is heavy. Yeah, we've seen we see entry rates 685 00:34:00,440 --> 00:34:02,640 Speaker 1: that are thirty four percent wow rates. 686 00:34:02,720 --> 00:34:06,000 Speaker 2: Yeah, wow, that's that that is like, Wow, that just 687 00:34:06,000 --> 00:34:09,080 Speaker 2: made my gut kind of So. I love that you're 688 00:34:09,280 --> 00:34:13,320 Speaker 2: helping people figure out like how can they make steps forward? 689 00:34:13,560 --> 00:34:15,440 Speaker 2: So to those who are saying, you know what, I'm 690 00:34:15,520 --> 00:34:18,520 Speaker 2: ready to have that conversation. I want to hear what 691 00:34:18,520 --> 00:34:21,640 Speaker 2: my options are. I need some help. Where can they 692 00:34:21,719 --> 00:34:23,680 Speaker 2: learn more? Where can they reach out if they're ready 693 00:34:23,760 --> 00:34:26,480 Speaker 2: to explore support? And again we'll put information in the 694 00:34:26,480 --> 00:34:28,520 Speaker 2: show notes. But for those are who are driving in 695 00:34:28,560 --> 00:34:30,040 Speaker 2: their car or whatever. 696 00:34:30,480 --> 00:34:34,160 Speaker 1: Yes, so very simply just go to Trinity Credit dot org. 697 00:34:34,320 --> 00:34:37,520 Speaker 1: Trinity credit dot org that gives that will take you 698 00:34:37,560 --> 00:34:40,000 Speaker 1: through the website. You'll learn a little bit more about Trinity, 699 00:34:40,320 --> 00:34:42,560 Speaker 1: our mission, what we do with Trinity, and how we 700 00:34:42,600 --> 00:34:45,359 Speaker 1: can help you. Our debt management program for folks who 701 00:34:45,400 --> 00:34:47,839 Speaker 1: do have high interest rates, even those who may have 702 00:34:47,920 --> 00:34:51,160 Speaker 1: thirty four percent interest rates, our program will be great 703 00:34:51,200 --> 00:34:54,000 Speaker 1: for you. In addition, if you are on the call 704 00:34:54,040 --> 00:34:55,920 Speaker 1: and you just want a starting point before we get 705 00:34:55,960 --> 00:34:59,160 Speaker 1: into conversations about interest rates, I need some help. I 706 00:34:59,160 --> 00:35:01,640 Speaker 1: need to understand our start in this journey. How do 707 00:35:01,719 --> 00:35:03,480 Speaker 1: I set up a budget? Can you help me with 708 00:35:03,520 --> 00:35:06,080 Speaker 1: my credit score? You can always call us at eight 709 00:35:06,120 --> 00:35:10,080 Speaker 1: hundred seven five eight three eight four four call us 710 00:35:10,120 --> 00:35:12,640 Speaker 1: at the R eight hundred number at Trinity Credit dot org, 711 00:35:13,040 --> 00:35:15,440 Speaker 1: and that'll be the beginning of us being able to 712 00:35:15,480 --> 00:35:15,840 Speaker 1: serve you. 713 00:35:16,400 --> 00:35:18,960 Speaker 2: Yeah. Well, this has been a really great conversation, Like 714 00:35:19,000 --> 00:35:23,400 Speaker 2: I said, so timely in today's economy, with rising interest 715 00:35:23,480 --> 00:35:26,280 Speaker 2: rates and job struggles and childcare and all this stuff. 716 00:35:26,360 --> 00:35:29,640 Speaker 2: So thank you so much for what you do for 717 00:35:29,960 --> 00:35:33,880 Speaker 2: your heart to help people alleviate their overwhelming stress and 718 00:35:34,000 --> 00:35:38,200 Speaker 2: begin to build the life that God desires for them. 719 00:35:38,760 --> 00:35:40,799 Speaker 1: Thank you, Jennifer. It's been great to talk with you 720 00:35:40,840 --> 00:35:41,520 Speaker 1: this afternoon. 721 00:35:41,840 --> 00:35:44,120 Speaker 2: Well, to our listeners, thank you for listening. We hope 722 00:35:44,120 --> 00:35:46,439 Speaker 2: that this encouraged you and helped you feel a little 723 00:35:46,520 --> 00:35:49,120 Speaker 2: less alone, gave you some practical tools. If you haven't 724 00:35:49,120 --> 00:35:52,120 Speaker 2: already done so, we encourage you to subscribe to this podcast. 725 00:35:52,160 --> 00:35:54,880 Speaker 2: Then you won't miss a single episode. Make sure to 726 00:35:55,000 --> 00:35:58,200 Speaker 2: rate it and share your reviews, share it with your friends. 727 00:35:58,239 --> 00:36:00,760 Speaker 2: We especially want those who are going through really difficult 728 00:36:00,800 --> 00:36:04,879 Speaker 2: times to get this content. And until next time, may 729 00:36:04,920 --> 00:36:08,600 Speaker 2: you live as one who has truly been set free.