1 00:00:05,400 --> 00:00:09,879 Speaker 1: Welcome to Christian Parent Crazy World, the podcast that tackles 2 00:00:09,920 --> 00:00:12,840 Speaker 1: tough topics to help you be a godly parent in 3 00:00:12,880 --> 00:00:16,520 Speaker 1: an ungodly world. I am your host, Catherine Seegers, and 4 00:00:16,560 --> 00:00:20,360 Speaker 1: in today's episode, we will tackle this vitally important question, 5 00:00:21,040 --> 00:00:25,440 Speaker 1: how do we faithfully parent our children when financial pressure, debt, 6 00:00:25,640 --> 00:00:30,520 Speaker 1: and economic uncertainty feel like a constant weight on our families? 7 00:00:31,040 --> 00:00:34,640 Speaker 1: For so many parents, money stress isn't just about numbers. 8 00:00:34,280 --> 00:00:35,000 Speaker 2: On a page. 9 00:00:35,200 --> 00:00:38,720 Speaker 1: It affects our marriages, our emotional health, our sleep, and 10 00:00:38,920 --> 00:00:41,920 Speaker 1: even the way we show up for our kids. Many 11 00:00:42,000 --> 00:00:46,280 Speaker 1: Christian parents are already stretched so thin, trying to be faithful, 12 00:00:46,360 --> 00:00:49,640 Speaker 1: storage trying to provide, trying to model trust in God, 13 00:00:50,200 --> 00:00:55,480 Speaker 1: while quietly carrying anxiety about bills, credit cards, and the future. 14 00:00:55,920 --> 00:01:00,840 Speaker 1: My guest today understands this pressure firsthand. Aid Durham is 15 00:01:00,920 --> 00:01:05,080 Speaker 1: a certified personal financial counselor who has devoted her career 16 00:01:05,240 --> 00:01:09,280 Speaker 1: to helping individuals and families take control of their finances, 17 00:01:09,360 --> 00:01:14,040 Speaker 1: find freedom from debt, and restore peace or stress once ruled. 18 00:01:14,480 --> 00:01:16,399 Speaker 1: That's the ground we will cover in this episode of 19 00:01:16,480 --> 00:01:17,600 Speaker 1: Christian Parent Crazy World. 20 00:01:18,120 --> 00:01:19,399 Speaker 2: So let's get started. 21 00:01:28,240 --> 00:01:30,320 Speaker 1: You know, Jesus tells us not to worry about what 22 00:01:30,360 --> 00:01:32,600 Speaker 1: we will eat or drink, or what we will wear, 23 00:01:32,800 --> 00:01:36,560 Speaker 1: to consider the lilies of the field. How God faithfully provides. 24 00:01:37,040 --> 00:01:40,520 Speaker 1: These words are beautiful, and they can also feel very 25 00:01:40,560 --> 00:01:43,640 Speaker 1: hard to live out when prices are skyrocketing and debts 26 00:01:43,800 --> 00:01:46,959 Speaker 1: are mounting. I remember when a Chick fil a salad 27 00:01:47,040 --> 00:01:50,160 Speaker 1: costs under five dollars and was big enough to feed 28 00:01:50,200 --> 00:01:53,320 Speaker 1: me for two meals, back when I'm single. Now today, 29 00:01:53,440 --> 00:01:56,640 Speaker 1: taking a family out to eat can easily cost seventy 30 00:01:56,640 --> 00:02:00,440 Speaker 1: five dollars or more at fast food, in a world 31 00:02:00,480 --> 00:02:04,200 Speaker 1: where companies encourage us to finance our pizza order or 32 00:02:04,240 --> 00:02:07,840 Speaker 1: put groceries on a payment plan. And for many families, 33 00:02:08,240 --> 00:02:11,680 Speaker 1: that's just the surface. Add in medical bills, student loans, 34 00:02:11,760 --> 00:02:17,000 Speaker 1: credit cards, car payments, rising insurance costs, childcare expenses, and mortgages, 35 00:02:17,040 --> 00:02:23,360 Speaker 1: and suddenly that weight feels constant and never ending. For 36 00:02:23,440 --> 00:02:25,680 Speaker 1: Christian parents, this isn't just about money. 37 00:02:25,720 --> 00:02:28,799 Speaker 2: It's about anxiety. It's about stewardship. 38 00:02:29,000 --> 00:02:32,120 Speaker 1: It's about trying to model trust in God while quietly 39 00:02:32,160 --> 00:02:34,960 Speaker 1: wondering how the numbers are going to work. And it's 40 00:02:34,960 --> 00:02:38,600 Speaker 1: about asking how do we apply Jesus's words in an 41 00:02:38,600 --> 00:02:43,560 Speaker 1: economy that feels so unforgiving. That's why today's conversation matters. 42 00:02:43,840 --> 00:02:48,760 Speaker 1: My guest is Jade Durham, a certified personal financial counselor 43 00:02:49,000 --> 00:02:52,919 Speaker 1: and vice president of Trinity Debt Management. She has devoted 44 00:02:52,960 --> 00:02:57,440 Speaker 1: her entire career to helping individuals and families untangle the 45 00:02:57,520 --> 00:03:02,000 Speaker 1: snowball of debt and move towards lies, toward freedom, and 46 00:03:02,160 --> 00:03:06,280 Speaker 1: toward peace. With that's it, let's jump right in. Jade, 47 00:03:06,440 --> 00:03:08,080 Speaker 1: Welcome to Christian parent crazy world. 48 00:03:08,080 --> 00:03:09,359 Speaker 3: It's so awesome to have you here. 49 00:03:09,840 --> 00:03:11,720 Speaker 4: Yes, thank you. I'm really excited to be here. 50 00:03:12,240 --> 00:03:15,400 Speaker 3: So I was just thinking about your name, Jade Durham. 51 00:03:15,400 --> 00:03:18,639 Speaker 1: Now, if I were an author, I think your name 52 00:03:18,639 --> 00:03:21,079 Speaker 1: would make it on the shortlist for my heroines, for 53 00:03:21,200 --> 00:03:21,960 Speaker 1: my leading ladies. 54 00:03:22,040 --> 00:03:24,240 Speaker 3: Jade Durham, that is a really cool name. 55 00:03:24,320 --> 00:03:25,359 Speaker 2: Do you get that very often? 56 00:03:26,280 --> 00:03:26,760 Speaker 4: I do. 57 00:03:27,120 --> 00:03:31,560 Speaker 5: I've never been put in that kind of perspective, but yeah, 58 00:03:31,600 --> 00:03:33,480 Speaker 5: I could see that we might. 59 00:03:33,320 --> 00:03:35,600 Speaker 1: Have to give you, like like a double career, so 60 00:03:35,640 --> 00:03:38,800 Speaker 1: you could be a financial planner by day, helping people 61 00:03:38,840 --> 00:03:40,520 Speaker 1: get out of debt, and then I don't know, maybe 62 00:03:40,520 --> 00:03:43,520 Speaker 1: a double agent at night, or a spy or undercover 63 00:03:43,640 --> 00:03:44,240 Speaker 1: FBI agent. 64 00:03:44,400 --> 00:03:44,760 Speaker 3: I don't know. 65 00:03:44,760 --> 00:03:46,800 Speaker 1: I'll think of something and we'll write that novel and 66 00:03:46,960 --> 00:03:48,520 Speaker 1: strike it rich and get everybody out of debt. 67 00:03:48,560 --> 00:03:49,200 Speaker 2: How's that sound. 68 00:03:49,320 --> 00:03:53,320 Speaker 4: There you go, that's my plan. B Okay, there we go. 69 00:03:53,800 --> 00:03:57,040 Speaker 1: So I was really excited when I read your bio 70 00:03:57,120 --> 00:04:00,000 Speaker 1: that you are a Lee University graduate. 71 00:04:00,720 --> 00:04:04,000 Speaker 3: I am as well. So we have the same alma mater. 72 00:04:04,200 --> 00:04:07,040 Speaker 3: What was it like for you back at Lee University? 73 00:04:07,560 --> 00:04:09,440 Speaker 4: Yeah, many many years ago, right. 74 00:04:09,520 --> 00:04:10,800 Speaker 3: I did not as many as me. 75 00:04:11,720 --> 00:04:12,480 Speaker 4: I see these. 76 00:04:12,360 --> 00:04:16,320 Speaker 5: Kids going off now and I'm like, wow, that was yesterday. 77 00:04:15,840 --> 00:04:16,560 Speaker 4: But that was not. 78 00:04:17,040 --> 00:04:20,160 Speaker 5: I am definitely getting a lot older. But it was 79 00:04:20,200 --> 00:04:22,000 Speaker 5: a great place to be in a great time of 80 00:04:22,000 --> 00:04:24,720 Speaker 5: my life. I'm glad I met my husband there. It's 81 00:04:24,800 --> 00:04:26,159 Speaker 5: a lot of really good experiences. 82 00:04:26,400 --> 00:04:30,400 Speaker 2: So you got the Mrs. Congratulations. 83 00:04:30,440 --> 00:04:32,680 Speaker 3: I didn't get it there. I got it in graduate school. 84 00:04:33,440 --> 00:04:34,640 Speaker 3: That's where I got my Mrs. 85 00:04:34,760 --> 00:04:36,479 Speaker 2: Degree. We always just joke about that. 86 00:04:36,920 --> 00:04:37,960 Speaker 3: So I'm glad to. 87 00:04:37,960 --> 00:04:41,000 Speaker 1: See another Lee alum out there making a difference in 88 00:04:41,040 --> 00:04:45,320 Speaker 1: the world. And student debt is a big thing. Lots 89 00:04:45,360 --> 00:04:47,640 Speaker 1: of debt is a big thing. We're actually looking at 90 00:04:47,680 --> 00:04:49,800 Speaker 1: trying to figure out how to fund my second student 91 00:04:50,000 --> 00:04:53,680 Speaker 1: in college. So that kind of transitions into what we're 92 00:04:53,680 --> 00:04:56,240 Speaker 1: talking about today, because we talked, we talk about a 93 00:04:56,279 --> 00:04:58,560 Speaker 1: lot of tough parenting topics, but I don't think that 94 00:04:58,640 --> 00:05:05,680 Speaker 1: anything feels quite as heavy and pressing as finances on 95 00:05:06,000 --> 00:05:08,679 Speaker 1: parents right now. From your perspective, what are you seeing 96 00:05:08,720 --> 00:05:10,840 Speaker 1: right now with the families and the parents that you're 97 00:05:11,000 --> 00:05:13,680 Speaker 1: you're working with in terms of financial stress? 98 00:05:14,200 --> 00:05:15,680 Speaker 4: M Yeah, I know. 99 00:05:15,760 --> 00:05:19,400 Speaker 5: We always get those calls from the parents when you 100 00:05:19,400 --> 00:05:21,960 Speaker 5: know they're first starting to look, you know, plan. 101 00:05:22,120 --> 00:05:24,280 Speaker 4: Okay, my children. 102 00:05:24,000 --> 00:05:26,400 Speaker 5: Are entering high school, so I know when I blink 103 00:05:26,480 --> 00:05:28,520 Speaker 5: my eye they're going to be entering college. So what 104 00:05:28,640 --> 00:05:31,360 Speaker 5: do I need to do now? How can I start planning? 105 00:05:31,400 --> 00:05:34,760 Speaker 5: What should I be looking for or setting up my budget? 106 00:05:35,600 --> 00:05:36,520 Speaker 4: And it's great when. 107 00:05:36,400 --> 00:05:39,520 Speaker 5: You start early, because unfortunately, when you start, you know, 108 00:05:39,600 --> 00:05:42,240 Speaker 5: when you are acquiring the loans, then you're already a 109 00:05:42,279 --> 00:05:45,240 Speaker 5: little bhine. So yeah, preparing early is definitely the way 110 00:05:45,279 --> 00:05:49,480 Speaker 5: to go. But even before that, it's you know, how 111 00:05:49,480 --> 00:05:52,720 Speaker 5: do we get our personal finances, any personal debt that 112 00:05:52,760 --> 00:05:57,080 Speaker 5: we have taken care of, so then we then potentially 113 00:05:57,520 --> 00:06:02,120 Speaker 5: have the room to accumulate more debt for our children. Unfortunately, 114 00:06:02,279 --> 00:06:06,039 Speaker 5: so cleaning up personal things as quickly as possible, to 115 00:06:06,320 --> 00:06:10,159 Speaker 5: have your budget open up to college debt down the road. 116 00:06:10,880 --> 00:06:14,480 Speaker 1: Yeah, a poem has come to mind a lot recently 117 00:06:14,520 --> 00:06:16,880 Speaker 1: in my life. The best laid plans of mice have 118 00:06:17,040 --> 00:06:20,200 Speaker 1: been offt goor rye. I can remember twenty years ago 119 00:06:20,240 --> 00:06:22,279 Speaker 1: when we were doing a lot of debt management, all 120 00:06:22,320 --> 00:06:25,320 Speaker 1: of the ideas, the wonderful ideas we only had one 121 00:06:25,400 --> 00:06:28,360 Speaker 1: child then about how to save up for college and 122 00:06:28,720 --> 00:06:32,039 Speaker 1: to make it all happen, and then just the financial 123 00:06:32,040 --> 00:06:35,120 Speaker 1: pressures along the way, and then we I imagine we'd 124 00:06:35,200 --> 00:06:37,280 Speaker 1: have two or three kids and we have five, and 125 00:06:37,680 --> 00:06:40,960 Speaker 1: it just ended up being you know, those college funds 126 00:06:41,360 --> 00:06:45,360 Speaker 1: never really fully came through. We managed, personally, praise God, 127 00:06:45,440 --> 00:06:47,800 Speaker 1: to stay out of a lot of additional debt other 128 00:06:47,839 --> 00:06:49,839 Speaker 1: than our home. But I know a lot of a 129 00:06:49,839 --> 00:06:51,800 Speaker 1: lot of families haven't been able to do that. A 130 00:06:51,839 --> 00:06:53,800 Speaker 1: lot of listeners wish they could have done that. A 131 00:06:53,800 --> 00:06:56,159 Speaker 1: lot of listeners wish they could have fully funded and 132 00:06:56,279 --> 00:07:00,080 Speaker 1: maxed out accounts for their kids to go to college. 133 00:07:00,360 --> 00:07:02,960 Speaker 1: But they're really juggling a lot of debt on their own. 134 00:07:03,160 --> 00:07:05,800 Speaker 1: I was looking up some statistics over sixty percent of 135 00:07:05,839 --> 00:07:09,960 Speaker 1: Americans our living paycheck to paycheck Right now, Household debt 136 00:07:10,040 --> 00:07:12,960 Speaker 1: in the US is at record highs, with credit card 137 00:07:13,080 --> 00:07:16,120 Speaker 1: interest rates often exceeding like twenty percent. 138 00:07:15,880 --> 00:07:17,200 Speaker 2: Which is mind boggling. 139 00:07:17,600 --> 00:07:20,600 Speaker 1: I know, personally we're doing this relocation back to Tennessee. 140 00:07:20,640 --> 00:07:22,720 Speaker 1: I'm looking at interest rates and what that's going to 141 00:07:22,840 --> 00:07:28,240 Speaker 1: mean for our housing situation, because our current mortgage is 142 00:07:28,480 --> 00:07:31,440 Speaker 1: at in the two percent interest rates and we're going 143 00:07:31,520 --> 00:07:33,120 Speaker 1: to be going up like six or seven and that 144 00:07:33,280 --> 00:07:37,960 Speaker 1: just makes such a huge difference on housing costs. And 145 00:07:38,080 --> 00:07:41,560 Speaker 1: so I also know that financial stress is consistently listed 146 00:07:41,600 --> 00:07:43,880 Speaker 1: as one of the top two stressors. 147 00:07:43,280 --> 00:07:46,080 Speaker 3: And marriages and in families. 148 00:07:46,320 --> 00:07:50,640 Speaker 1: So the anxiety there is about bills just is at 149 00:07:50,680 --> 00:07:54,840 Speaker 1: a sky high medical bills, student loan debt, all of 150 00:07:54,840 --> 00:07:56,880 Speaker 1: the debt that we have. And I can personally say, 151 00:07:57,000 --> 00:07:59,880 Speaker 1: over the course of my thirty year marriage and twenty 152 00:08:00,080 --> 00:08:02,840 Speaker 1: years of parenting that some of the biggest panic tacks 153 00:08:02,920 --> 00:08:08,120 Speaker 1: I've had in our family life centered usually on some 154 00:08:08,160 --> 00:08:13,080 Speaker 1: sort of a financial stress. So this chronic financial stress, 155 00:08:13,320 --> 00:08:16,600 Speaker 1: how is that showing up emotionally and spiritually in the 156 00:08:16,640 --> 00:08:20,160 Speaker 1: lives of the individuals and the couples that you're working with. 157 00:08:21,840 --> 00:08:23,800 Speaker 4: So and I was thinking going back on your other 158 00:08:23,880 --> 00:08:24,440 Speaker 4: question too. 159 00:08:24,520 --> 00:08:28,440 Speaker 5: You know, it's not just preparing yourself early on, but 160 00:08:28,520 --> 00:08:32,120 Speaker 5: instilling that in the kids early on. Oh yes, you know, 161 00:08:32,280 --> 00:08:35,600 Speaker 5: getting them on a budget, getting them you know, covering 162 00:08:36,080 --> 00:08:38,640 Speaker 5: whether it's their cell phone bill or their car insurance. 163 00:08:38,640 --> 00:08:43,000 Speaker 5: So they're used to having these responsibilities. So the parents 164 00:08:43,000 --> 00:08:45,640 Speaker 5: don't have to look at oh, I'm sending my kid 165 00:08:45,720 --> 00:08:48,800 Speaker 5: to college, I'm having to pay all the student loan debt. No, 166 00:08:49,160 --> 00:08:53,360 Speaker 5: I'm starting the education early on with my children. So 167 00:08:53,480 --> 00:08:57,040 Speaker 5: then once they graduate and they get a job, they 168 00:08:57,120 --> 00:09:00,000 Speaker 5: know how to manage their money. They're not frivolously spent 169 00:09:00,040 --> 00:09:02,640 Speaker 5: and being they're ready to jump in start the repayment 170 00:09:02,679 --> 00:09:05,200 Speaker 5: on those student loans and not defer them and. 171 00:09:05,559 --> 00:09:08,520 Speaker 4: You know, accumulate this interest time and time again. 172 00:09:08,679 --> 00:09:11,760 Speaker 5: So it's starting early not only for the parents, but 173 00:09:11,800 --> 00:09:13,880 Speaker 5: also the parents educating the children. 174 00:09:14,559 --> 00:09:16,120 Speaker 4: But no, I mean, unfortunately, like. 175 00:09:16,000 --> 00:09:22,000 Speaker 5: You said, financial stress is such a huge factor in 176 00:09:22,040 --> 00:09:24,880 Speaker 5: so many marriages, and a lot of times it's I 177 00:09:24,840 --> 00:09:27,720 Speaker 5: want to say, it's uncontrollable, but it's not brought on 178 00:09:28,280 --> 00:09:31,840 Speaker 5: because of necessarily decisions that we made. 179 00:09:31,880 --> 00:09:34,079 Speaker 4: You know, there's so many outside factors. 180 00:09:34,200 --> 00:09:37,720 Speaker 5: When we went through the pandemic, which created a lot 181 00:09:37,760 --> 00:09:41,480 Speaker 5: of financial stress and debt for individuals that they wouldn't 182 00:09:41,480 --> 00:09:44,840 Speaker 5: have had in a normal economy. And then you know, 183 00:09:44,920 --> 00:09:48,160 Speaker 5: with the economy and inflation, and you know, things that 184 00:09:48,200 --> 00:09:51,560 Speaker 5: are outside of our control where someone that never had 185 00:09:51,640 --> 00:09:55,000 Speaker 5: credit card debt now does and they might be making 186 00:09:55,080 --> 00:09:57,680 Speaker 5: their payments, but they're definitely at twenty percent, if not 187 00:09:57,880 --> 00:10:02,920 Speaker 5: thirty percent interest. So how do you maintain your payments 188 00:10:03,000 --> 00:10:05,240 Speaker 5: and see an end in sight when the credit card 189 00:10:05,240 --> 00:10:08,080 Speaker 5: statements say it's going to take you fifty years? 190 00:10:08,840 --> 00:10:13,240 Speaker 4: So then, yeah, it's always weighing on people's minds, like 191 00:10:13,559 --> 00:10:14,480 Speaker 4: what do you do? 192 00:10:15,520 --> 00:10:18,800 Speaker 5: So there's places like Trinity, there is a home of 193 00:10:18,800 --> 00:10:23,320 Speaker 5: our solutions, but yeah, it's extremely stressful and overwhelming, and 194 00:10:23,360 --> 00:10:26,160 Speaker 5: there's not enough education out there for people to know 195 00:10:26,200 --> 00:10:28,640 Speaker 5: where to turn or where are the best steps to take. 196 00:10:29,679 --> 00:10:30,800 Speaker 2: I totally agree with that. 197 00:10:30,840 --> 00:10:33,319 Speaker 1: We were really blessed about twenty years ago to be 198 00:10:33,400 --> 00:10:36,080 Speaker 1: able to go through some financial planning and it radically 199 00:10:36,200 --> 00:10:37,240 Speaker 1: changed our lives. 200 00:10:37,679 --> 00:10:39,200 Speaker 2: And I'm glad that you mentioned this. 201 00:10:39,520 --> 00:10:41,760 Speaker 1: Trying to train our kids, you know, we were really 202 00:10:42,400 --> 00:10:44,800 Speaker 1: really on top of trying to make sure that our 203 00:10:44,880 --> 00:10:49,400 Speaker 1: kids understood about saving up for that vehicle, and I 204 00:10:49,440 --> 00:10:51,800 Speaker 1: can I can say that my daughter was really really 205 00:10:51,800 --> 00:10:54,600 Speaker 1: proud of her. She's twenty years old now. She started 206 00:10:54,600 --> 00:10:56,760 Speaker 1: working at Chick fil A back when she was sixteen, 207 00:10:56,960 --> 00:10:59,160 Speaker 1: and she had all of these friends who were buying 208 00:11:00,600 --> 00:11:03,520 Speaker 1: with notes that were bigger than my first mortgage, like 209 00:11:03,760 --> 00:11:05,800 Speaker 1: monthly payments on these vehicles. 210 00:11:05,840 --> 00:11:07,880 Speaker 2: I could not believe it. She saved up. 211 00:11:08,280 --> 00:11:11,000 Speaker 3: She bought a car for about seven thousand dollars. 212 00:11:11,840 --> 00:11:13,280 Speaker 2: Yeah, it had. 213 00:11:13,720 --> 00:11:15,240 Speaker 3: Close to two hundred thousand mills on. 214 00:11:15,200 --> 00:11:19,000 Speaker 1: It, but she paid for it cash and doesn't have 215 00:11:19,240 --> 00:11:21,320 Speaker 1: a monthly payment on that car. And it's been a 216 00:11:21,320 --> 00:11:24,360 Speaker 1: really good vehicle for her. And thank you for mentioning this. 217 00:11:24,960 --> 00:11:28,120 Speaker 1: There were so many setbacks. We were doing so well 218 00:11:28,240 --> 00:11:32,520 Speaker 1: in twenty nineteen and then just not only what that 219 00:11:32,600 --> 00:11:38,679 Speaker 1: did to everybody health wise and community wise and church wise, 220 00:11:39,160 --> 00:11:42,280 Speaker 1: but financially what happened to so many of us in 221 00:11:42,320 --> 00:11:46,960 Speaker 1: twenty twenty. I know my husband was furloughed for many months. 222 00:11:47,040 --> 00:11:51,640 Speaker 1: He went back eighty percent pay, no bonus. We had 223 00:11:51,679 --> 00:11:55,800 Speaker 1: to suspend our mortgage for a year because there just 224 00:11:55,920 --> 00:12:00,520 Speaker 1: wasn't there wasn't the finances to pay for it. And 225 00:12:01,120 --> 00:12:05,680 Speaker 1: we've never really regained our footing, Praise God. In the 226 00:12:05,720 --> 00:12:07,880 Speaker 1: last five years, we didn't incur a lot of debt, 227 00:12:08,160 --> 00:12:10,160 Speaker 1: but I know a lot of people did and they 228 00:12:10,200 --> 00:12:14,320 Speaker 1: couldn't help it. Sometimes, Let's face it, sometimes we go 229 00:12:14,360 --> 00:12:15,520 Speaker 1: into debt and we can't. 230 00:12:15,240 --> 00:12:16,080 Speaker 2: Help it at all. 231 00:12:17,040 --> 00:12:19,640 Speaker 1: For anyone who has praise God, there's grace for those 232 00:12:19,640 --> 00:12:22,040 Speaker 1: mistakes that we make that we should have made, we 233 00:12:22,080 --> 00:12:25,160 Speaker 1: should have. Let me say say, I've had those moments 234 00:12:25,160 --> 00:12:27,800 Speaker 1: as well. I can think back to a Volkswagen Pasot 235 00:12:27,880 --> 00:12:29,839 Speaker 1: that I had my eye on that I just had 236 00:12:29,880 --> 00:12:31,880 Speaker 1: to have, and I went into debt for it, and 237 00:12:31,960 --> 00:12:35,439 Speaker 1: it was a really bad choice, great car, bad choice 238 00:12:35,600 --> 00:12:37,839 Speaker 1: at that particular stage of our life. And we learned 239 00:12:37,880 --> 00:12:39,720 Speaker 1: better and we did better. So if that is what 240 00:12:39,800 --> 00:12:44,880 Speaker 1: you're facing, no guilt, no shame. God's mercies are new 241 00:12:44,960 --> 00:12:46,040 Speaker 1: every morning, So there's. 242 00:12:45,920 --> 00:12:47,240 Speaker 3: A plan for you to get out of debt. 243 00:12:47,240 --> 00:12:51,080 Speaker 1: But a lot of us, also, very well meaning you know, 244 00:12:51,200 --> 00:12:53,560 Speaker 1: had some rough years and just haven't been able to 245 00:12:53,600 --> 00:12:56,120 Speaker 1: get ahead. And one of the things I appreciate about 246 00:12:56,120 --> 00:12:59,880 Speaker 1: Trinity is that you don't separate money from the soul. 247 00:13:00,080 --> 00:13:04,079 Speaker 1: In other words, you kind of have a spiritual, more 248 00:13:04,120 --> 00:13:05,960 Speaker 1: biblical approach to finances. 249 00:13:06,000 --> 00:13:08,360 Speaker 3: Trinity even has some biblical connotations to that. 250 00:13:08,400 --> 00:13:08,959 Speaker 2: Name right there. 251 00:13:09,000 --> 00:13:13,640 Speaker 1: So how has Trinity distinguished itself in this field of 252 00:13:13,679 --> 00:13:14,440 Speaker 1: debt management? 253 00:13:15,760 --> 00:13:18,320 Speaker 5: So we've been in business now for over thirty years 254 00:13:18,559 --> 00:13:23,360 Speaker 5: and primarily our advertising is done on Christian radio and 255 00:13:23,440 --> 00:13:28,080 Speaker 5: Christian network. So we really have infiltrated you know that 256 00:13:29,120 --> 00:13:30,120 Speaker 5: what word I want. 257 00:13:29,960 --> 00:13:31,880 Speaker 3: To use, sphere market. 258 00:13:32,280 --> 00:13:36,440 Speaker 5: Yeah, really infiltrated the market to be the debt management 259 00:13:36,480 --> 00:13:38,520 Speaker 5: company that is advertised. 260 00:13:38,920 --> 00:13:39,959 Speaker 4: You know, there are a. 261 00:13:40,000 --> 00:13:43,679 Speaker 5: Lot of other companies out there, so many for profit 262 00:13:43,760 --> 00:13:48,200 Speaker 5: companies that offer similar services but are very detrimental to 263 00:13:48,280 --> 00:13:53,000 Speaker 5: your credit. So we've been blessed to you know, grow 264 00:13:53,040 --> 00:13:58,800 Speaker 5: Trinity from a very small business here in Cincinnati to 265 00:13:58,880 --> 00:14:03,400 Speaker 5: now working national. But regardless of whoever calls, it's not 266 00:14:03,559 --> 00:14:06,080 Speaker 5: that you know, everyone that contacts us as a Christian 267 00:14:06,120 --> 00:14:10,120 Speaker 5: by any means, but they hear the difference when they 268 00:14:10,120 --> 00:14:14,080 Speaker 5: talk to our counselors. You know, we genuinely care for 269 00:14:14,760 --> 00:14:17,760 Speaker 5: you and your situation and we're not going to cut 270 00:14:17,800 --> 00:14:20,120 Speaker 5: you off or try to sell you a product. 271 00:14:20,280 --> 00:14:21,480 Speaker 4: We want to know what's going on. 272 00:14:22,200 --> 00:14:24,680 Speaker 5: We want to get to the root of you know, 273 00:14:24,760 --> 00:14:28,760 Speaker 5: why you're contacting us and how this situation developed and 274 00:14:28,840 --> 00:14:31,120 Speaker 5: what are your goals and let's put together a plan 275 00:14:31,240 --> 00:14:34,600 Speaker 5: moving forward that's going to best meet your needs for you, 276 00:14:34,600 --> 00:14:38,320 Speaker 5: your family, you know, your spiritual journey. Looking at your 277 00:14:38,320 --> 00:14:42,600 Speaker 5: budget and knowing, okay, yes, you have that money set 278 00:14:42,640 --> 00:14:47,080 Speaker 5: aside for tithing. Absolutely, you know we're never going to 279 00:14:47,120 --> 00:14:49,880 Speaker 5: cut something that is important to you and important to 280 00:14:50,000 --> 00:14:53,480 Speaker 5: us as well when we know that we're going to 281 00:14:53,480 --> 00:14:55,440 Speaker 5: be in line with your goals as well. But I 282 00:14:55,480 --> 00:14:58,560 Speaker 5: think just the care and compassion to set us apart regardless. 283 00:14:58,600 --> 00:15:01,480 Speaker 5: You know, the Lord's give an Every employee here put 284 00:15:01,520 --> 00:15:02,960 Speaker 5: on our hearts to have. 285 00:15:02,880 --> 00:15:04,040 Speaker 4: A desire to help people. 286 00:15:04,080 --> 00:15:06,480 Speaker 5: You know, this isn't another job. You're just not another 287 00:15:07,120 --> 00:15:09,400 Speaker 5: number and a company. You know, we all want to 288 00:15:09,400 --> 00:15:12,520 Speaker 5: be here and we truly care about you and want 289 00:15:12,600 --> 00:15:16,040 Speaker 5: you guys to succeed and people to you know, become 290 00:15:16,080 --> 00:15:18,480 Speaker 5: debt free and you know, meet those financial goals. 291 00:15:27,360 --> 00:15:27,600 Speaker 4: Yeah. 292 00:15:27,640 --> 00:15:29,200 Speaker 1: One of the things that stood out to me when 293 00:15:29,200 --> 00:15:31,720 Speaker 1: I was reading about your company is it's a non 294 00:15:32,000 --> 00:15:34,400 Speaker 1: profit credit counseling agency. 295 00:15:34,920 --> 00:15:36,840 Speaker 2: So that was a little surprising to me. 296 00:15:36,880 --> 00:15:38,600 Speaker 1: I would have kind of, I guess if you had 297 00:15:38,600 --> 00:15:40,440 Speaker 1: asked me before, I would have thought, well, aren't they 298 00:15:40,440 --> 00:15:42,160 Speaker 1: all for profit. So what does it mean to be 299 00:15:42,200 --> 00:15:45,520 Speaker 1: a non profit credit counseling agency as opposed to I 300 00:15:45,560 --> 00:15:46,680 Speaker 1: guess for profit one. 301 00:15:47,920 --> 00:15:51,880 Speaker 5: So I mean on a legislative standpoint, you know, there's 302 00:15:51,960 --> 00:15:56,440 Speaker 5: definitely requirements that differentiate us. But on a dollar standpoint, 303 00:15:57,000 --> 00:15:59,520 Speaker 5: we are regulated as far as the fees that we 304 00:15:59,520 --> 00:16:03,000 Speaker 5: can charge. So we can charge clients a fee, there 305 00:16:03,040 --> 00:16:06,040 Speaker 5: is a maximum, but all the fees that we collect 306 00:16:06,080 --> 00:16:09,040 Speaker 5: from our clients for our services or the grants that 307 00:16:09,080 --> 00:16:12,120 Speaker 5: we receive, all of that goes towards you know, our 308 00:16:12,200 --> 00:16:15,000 Speaker 5: salaries are overhead at the end of the year. There's 309 00:16:15,160 --> 00:16:16,320 Speaker 5: no true profit. 310 00:16:16,760 --> 00:16:19,720 Speaker 4: You know, anything that comes in is getting utilized in 311 00:16:19,720 --> 00:16:21,720 Speaker 4: the necessity to operate the business. 312 00:16:22,360 --> 00:16:22,960 Speaker 2: I see. 313 00:16:23,160 --> 00:16:26,280 Speaker 1: Okay, so a lot of people are struggling with credit 314 00:16:26,360 --> 00:16:29,840 Speaker 1: card debt. So how exactly can Trinity help someone who 315 00:16:29,920 --> 00:16:35,040 Speaker 1: has overwhelmed with credit card balances right now and other 316 00:16:35,080 --> 00:16:37,720 Speaker 1: things that may have incurred through the course of life, 317 00:16:38,280 --> 00:16:39,680 Speaker 1: medical debt and other things like that. 318 00:16:40,200 --> 00:16:42,560 Speaker 5: Yeah, I think, you know, a lot of us do 319 00:16:42,680 --> 00:16:45,520 Speaker 5: have credit card debt, and a lot of people don't 320 00:16:45,520 --> 00:16:47,800 Speaker 5: actually look at the monthly statement, you know, we're so 321 00:16:47,960 --> 00:16:50,840 Speaker 5: used to just having the app on our phone payments due. Okay, 322 00:16:50,880 --> 00:16:55,880 Speaker 5: I'm making the minimum payment. If you look at your 323 00:16:55,920 --> 00:16:58,840 Speaker 5: monthly bill and you see, oh my gosh, every credit 324 00:16:58,840 --> 00:17:01,800 Speaker 5: card statement tells me if I only pay the minimum, 325 00:17:01,840 --> 00:17:03,520 Speaker 5: this is how long it's going to take me to 326 00:17:03,560 --> 00:17:07,240 Speaker 5: pay it off. Because, like I said, your interest, even 327 00:17:07,280 --> 00:17:09,960 Speaker 5: if you've never been later missed a payment, is still 328 00:17:10,000 --> 00:17:12,560 Speaker 5: in the twenties, if not the thirties. In the last 329 00:17:12,640 --> 00:17:17,240 Speaker 5: two years, interest rates on a majority of accounts are 330 00:17:17,240 --> 00:17:21,680 Speaker 5: now over a thirty percent. So when you really see it, 331 00:17:21,920 --> 00:17:25,240 Speaker 5: then I mean, I don't want to create stress for 332 00:17:25,359 --> 00:17:27,879 Speaker 5: anybody to actually look at it, but it is important. 333 00:17:28,440 --> 00:17:33,120 Speaker 5: So contacting Trinity allows us to look at what you're 334 00:17:33,160 --> 00:17:36,520 Speaker 5: dealing with, look at those credit cards, and by enrolling 335 00:17:36,560 --> 00:17:40,360 Speaker 5: in a debt management program, that is where we already 336 00:17:40,440 --> 00:17:44,320 Speaker 5: have the established relationships with the creditors. So when we 337 00:17:44,400 --> 00:17:47,080 Speaker 5: take on your account, you're going to get a new 338 00:17:47,320 --> 00:17:53,160 Speaker 5: fixed monthly payment and interest rate by each of your creditors. Holistically, though, 339 00:17:53,200 --> 00:17:57,480 Speaker 5: our clients are making just one monthly payment directly to Trinity, 340 00:17:57,840 --> 00:18:00,280 Speaker 5: and that's where that fee comes in. So part of 341 00:18:00,280 --> 00:18:03,159 Speaker 5: your monthly payment there will be a small fee, but 342 00:18:03,200 --> 00:18:07,040 Speaker 5: then Trinity every single month is going to pay every 343 00:18:07,160 --> 00:18:10,399 Speaker 5: single one of your creditors, but at those lower interest 344 00:18:10,480 --> 00:18:11,159 Speaker 5: rates that they've. 345 00:18:11,040 --> 00:18:13,679 Speaker 4: Agreed to, So you're staying current. 346 00:18:13,960 --> 00:18:16,520 Speaker 5: It's reflecting on your credit report that payments are being 347 00:18:16,560 --> 00:18:19,639 Speaker 5: made on time, but now the majority of that payment 348 00:18:19,840 --> 00:18:22,439 Speaker 5: is actually going towards the balance and not just to 349 00:18:22,480 --> 00:18:25,280 Speaker 5: the interest. So you have this end in sight now 350 00:18:25,359 --> 00:18:27,520 Speaker 5: where you know you're going to be debt free and 351 00:18:27,560 --> 00:18:28,840 Speaker 5: have these balances paid off. 352 00:18:29,520 --> 00:18:33,239 Speaker 1: Ah wow, is that is really cool what you were 353 00:18:33,240 --> 00:18:35,000 Speaker 1: saying about the interest rates. 354 00:18:35,000 --> 00:18:36,720 Speaker 3: So you're able to actually go in there. 355 00:18:36,760 --> 00:18:40,320 Speaker 1: You have relationships that can get interest rates that the 356 00:18:40,400 --> 00:18:41,720 Speaker 1: regular consumer can't get. 357 00:18:41,800 --> 00:18:42,400 Speaker 2: That's what you're saying. 358 00:18:42,520 --> 00:18:44,600 Speaker 5: Correct, Correct, So yeah, when you're in the twenties or 359 00:18:44,640 --> 00:18:47,679 Speaker 5: the thirties, the majority of the creditors are going to 360 00:18:47,720 --> 00:18:49,520 Speaker 5: agree to lower between six. 361 00:18:49,320 --> 00:18:50,480 Speaker 4: And nine percent. 362 00:18:50,720 --> 00:18:53,439 Speaker 5: Some go to zero, some only go to twelve, but 363 00:18:53,640 --> 00:18:56,639 Speaker 5: the average is between six and nine percent, so a 364 00:18:57,240 --> 00:19:01,879 Speaker 5: fraction of what they're currently charging you. And with people, 365 00:19:02,000 --> 00:19:04,440 Speaker 5: you know, the higher your interest rate is right now, 366 00:19:04,600 --> 00:19:07,280 Speaker 5: the higher your minimum monthly payment has to be to 367 00:19:07,320 --> 00:19:10,159 Speaker 5: offset that huge finance charge. So when we get the 368 00:19:10,240 --> 00:19:13,600 Speaker 5: interest lowered, it also allows for the monthly payment to 369 00:19:13,600 --> 00:19:17,560 Speaker 5: be lowered. If that's a necessity for your budget, you 370 00:19:17,600 --> 00:19:20,199 Speaker 5: can always pay extra and payoff early. That's wonderful. But 371 00:19:20,280 --> 00:19:23,240 Speaker 5: if you need that relief because you can't even make 372 00:19:23,280 --> 00:19:26,040 Speaker 5: your minimums right now, or maybe you've already started falling behind, 373 00:19:27,040 --> 00:19:29,360 Speaker 5: we can get those minimum payments reduced for you too. 374 00:19:30,080 --> 00:19:33,320 Speaker 1: Yeah, and if it's coming out of the interest charges 375 00:19:33,320 --> 00:19:34,280 Speaker 1: they're currently. 376 00:19:33,960 --> 00:19:37,040 Speaker 2: Paid, then oh wow, I had thought of that. 377 00:19:37,040 --> 00:19:41,200 Speaker 1: That's really cool. So how important then? Obviously it's one 378 00:19:41,200 --> 00:19:43,639 Speaker 1: thing to help start cleaning or to clean up the 379 00:19:43,640 --> 00:19:47,280 Speaker 1: mess that you already have, but also to create good 380 00:19:47,359 --> 00:19:51,120 Speaker 1: practices for the future, like budgeting and money management education. 381 00:19:51,720 --> 00:19:54,400 Speaker 1: So what sorts of things do you offer your clients 382 00:19:54,520 --> 00:19:55,960 Speaker 1: that might help in that respect. 383 00:19:57,240 --> 00:20:00,240 Speaker 5: So you know, initially all clients go through a read 384 00:20:00,320 --> 00:20:04,480 Speaker 5: analysis looking at their budget, which so many people, you know, 385 00:20:04,560 --> 00:20:07,800 Speaker 5: they think, oh, I'm budgeting, but then you ask, well, 386 00:20:07,880 --> 00:20:08,840 Speaker 5: let's take a look at it. 387 00:20:08,840 --> 00:20:11,600 Speaker 4: They don't don't really have one, so they think. 388 00:20:11,320 --> 00:20:14,760 Speaker 5: They're budgeting somehow, but they don't have a formal plan 389 00:20:14,840 --> 00:20:15,320 Speaker 5: in place. 390 00:20:15,440 --> 00:20:19,760 Speaker 4: So you know, step one is getting on the same page. 391 00:20:19,760 --> 00:20:22,879 Speaker 5: If you're a couple, I mean, it is hugely important 392 00:20:22,880 --> 00:20:24,680 Speaker 5: that both of you have the same goals and are 393 00:20:24,680 --> 00:20:27,080 Speaker 5: on the same page. But you have to figure out 394 00:20:27,880 --> 00:20:31,960 Speaker 5: what way of budgeting works best for you. Yes, there's apps, 395 00:20:32,000 --> 00:20:34,720 Speaker 5: there's people that like, you know, pen and paper, so 396 00:20:34,760 --> 00:20:37,800 Speaker 5: there's so many different tools that you can use depending 397 00:20:37,840 --> 00:20:41,080 Speaker 5: on your preference. But that's the key. Let's see where 398 00:20:41,119 --> 00:20:44,040 Speaker 5: your money's going right now. What goals do you have? 399 00:20:44,280 --> 00:20:49,040 Speaker 5: So how can we put together a budget moving forward that. 400 00:20:49,000 --> 00:20:50,359 Speaker 4: You're committed to sticking to. 401 00:20:51,119 --> 00:20:53,719 Speaker 5: So our clients, some of us, some of our clients 402 00:20:53,760 --> 00:20:57,159 Speaker 5: only come to us for budgeting assistance, and you know, 403 00:20:57,240 --> 00:21:00,600 Speaker 5: we'll check in quarterly or however often they'd like, because 404 00:21:00,640 --> 00:21:03,680 Speaker 5: you know, things change, your pay may change, a job. 405 00:21:03,480 --> 00:21:05,800 Speaker 4: Situation, you know, whatever it might be. 406 00:21:05,840 --> 00:21:07,480 Speaker 5: It's not like a budget today is going to be 407 00:21:07,480 --> 00:21:09,639 Speaker 5: the same three years from now. So we do need 408 00:21:09,680 --> 00:21:12,600 Speaker 5: to continually look at that and you know, evolve with it. 409 00:21:13,200 --> 00:21:16,320 Speaker 5: But clients on the debt management program, you know, looking 410 00:21:16,320 --> 00:21:18,800 Speaker 5: at their budget along the way and then at the end, 411 00:21:19,440 --> 00:21:21,600 Speaker 5: you know, in five years, when this debt's paid off, 412 00:21:22,160 --> 00:21:24,320 Speaker 5: what are you doing with that payment you've been used 413 00:21:24,320 --> 00:21:26,720 Speaker 5: to making? Now what do you turn that into? Now? 414 00:21:26,720 --> 00:21:28,919 Speaker 5: Where are you investing that or what are your goals 415 00:21:28,960 --> 00:21:33,120 Speaker 5: moving forward? So it's an evolving process, but yeah, being 416 00:21:33,160 --> 00:21:35,680 Speaker 5: committed and being on the same page with your spouse 417 00:21:36,240 --> 00:21:38,800 Speaker 5: and doing the work, you're definitely going to see some results. 418 00:21:38,840 --> 00:21:39,000 Speaker 4: Though. 419 00:21:40,600 --> 00:21:43,280 Speaker 3: I can remember years ago when we went through a 420 00:21:43,359 --> 00:21:44,880 Speaker 3: financial planning service. 421 00:21:44,920 --> 00:21:47,200 Speaker 2: It was literally a couple decades ago. 422 00:21:47,280 --> 00:21:50,280 Speaker 1: I can remember I felt like I was about to 423 00:21:50,320 --> 00:21:52,600 Speaker 1: go on a huge diet, and I'm like, I. 424 00:21:52,640 --> 00:21:55,879 Speaker 3: Just felt this desire to go splurge on stuff because 425 00:21:55,920 --> 00:21:57,400 Speaker 3: I was going to have to suck it up. 426 00:21:57,560 --> 00:21:59,840 Speaker 1: And then when we finally did it, I'm like, oh 427 00:21:59,880 --> 00:22:03,600 Speaker 1: my gosh, I feel so much better. I just because 428 00:22:03,640 --> 00:22:07,520 Speaker 1: I knew I finally knew where every dollar was going. 429 00:22:07,640 --> 00:22:10,359 Speaker 1: You said, some people like pen and paper, some people 430 00:22:10,480 --> 00:22:12,920 Speaker 1: like apps. We didn't have apps when I started this. 431 00:22:13,640 --> 00:22:17,520 Speaker 1: I had Excel spreadsheet and I had it balanced down 432 00:22:17,560 --> 00:22:20,439 Speaker 1: to the dollar, like to the cent every month. And 433 00:22:20,480 --> 00:22:23,200 Speaker 1: it was such a feeling of accomplishment that I used 434 00:22:23,240 --> 00:22:26,639 Speaker 1: to get knowing that, Okay, now my money, every dollar, 435 00:22:26,680 --> 00:22:29,160 Speaker 1: I know where it is, I know what it's allocated for. 436 00:22:29,280 --> 00:22:31,000 Speaker 1: And I think one of the things I can remember 437 00:22:31,080 --> 00:22:34,679 Speaker 1: being so terrified about was the stuff that you just 438 00:22:35,160 --> 00:22:39,520 Speaker 1: you hadn't planned for, you know, like those quarterly bills 439 00:22:39,760 --> 00:22:43,080 Speaker 1: like life insurance or something like that, those things that 440 00:22:43,119 --> 00:22:45,639 Speaker 1: come up once a year, and I just I forgot 441 00:22:45,680 --> 00:22:49,320 Speaker 1: to set aside money every month for it, or the unexpected, 442 00:22:49,560 --> 00:22:53,520 Speaker 1: like well, something happened on the softball field and we 443 00:22:53,560 --> 00:22:55,360 Speaker 1: had to go to the er or something like that, 444 00:22:55,440 --> 00:23:00,040 Speaker 1: and we didn't have stuff set aside for that, and 445 00:23:00,160 --> 00:23:01,160 Speaker 1: just learning how. 446 00:23:01,000 --> 00:23:02,639 Speaker 2: To budget it ended up. 447 00:23:02,720 --> 00:23:03,840 Speaker 1: You know, I thought it was going to be this 448 00:23:04,000 --> 00:23:07,760 Speaker 1: really restricting diet, and yet it actually opened the financial 449 00:23:08,119 --> 00:23:11,160 Speaker 1: world to me where I could start to dream again. 450 00:23:11,600 --> 00:23:13,720 Speaker 1: And then we even started doing really cool stuff, like 451 00:23:13,760 --> 00:23:16,800 Speaker 1: with our bonuses, we would set money aside to give 452 00:23:16,840 --> 00:23:20,760 Speaker 1: to really fun stuff. And then, like it never failed, 453 00:23:20,880 --> 00:23:24,640 Speaker 1: something would always happen where a need would come up 454 00:23:25,280 --> 00:23:27,120 Speaker 1: after we would get a bonus and we had set 455 00:23:27,160 --> 00:23:30,639 Speaker 1: a certain amount of money aside just to give, just 456 00:23:30,680 --> 00:23:32,520 Speaker 1: to give somewhere. We never knew where it was going 457 00:23:32,560 --> 00:23:35,200 Speaker 1: to be, but something would always come up that would 458 00:23:35,240 --> 00:23:39,360 Speaker 1: tug at our heart. And then it talks about giving 459 00:23:39,680 --> 00:23:42,720 Speaker 1: with gladness and scripture, how we're supposed to give cheerfully. 460 00:23:43,560 --> 00:23:46,800 Speaker 1: I could give so cheerfully, knowing I had already planned 461 00:23:46,840 --> 00:23:49,800 Speaker 1: to give this money. It didn't strain me. It didn't 462 00:23:49,840 --> 00:23:50,399 Speaker 1: stress me. 463 00:23:50,880 --> 00:23:53,480 Speaker 3: All of this happened when I started budgeting, and. 464 00:23:53,560 --> 00:23:56,399 Speaker 1: It turned out to be the greatest, greatest thing that 465 00:23:56,440 --> 00:24:00,199 Speaker 1: we had ever done financially in our whole lives. End 466 00:24:00,240 --> 00:24:02,639 Speaker 1: up being the big restrictive diet that I thought it 467 00:24:02,680 --> 00:24:04,280 Speaker 1: was going to be, it was actually very freeing. 468 00:24:04,760 --> 00:24:05,720 Speaker 3: So I wanted to. 469 00:24:05,640 --> 00:24:09,160 Speaker 1: Ask you though, So for some people, debt management might 470 00:24:09,160 --> 00:24:11,080 Speaker 1: not be the needed I think that that's what you 471 00:24:11,160 --> 00:24:15,200 Speaker 1: alluded to. You're actually able to help people get educated 472 00:24:15,240 --> 00:24:16,840 Speaker 1: on how to do a budget. 473 00:24:16,960 --> 00:24:18,520 Speaker 3: Like, where would somebody start with that? 474 00:24:18,880 --> 00:24:19,360 Speaker 4: Exactly? 475 00:24:19,800 --> 00:24:22,840 Speaker 5: Yeah, So typically we have people do a very detailed 476 00:24:22,920 --> 00:24:25,880 Speaker 5: tracking for thirty days. Okay, we've got to see what 477 00:24:26,000 --> 00:24:28,680 Speaker 5: a normal month has looked like. So whether you use 478 00:24:28,720 --> 00:24:30,920 Speaker 5: your debit card for every transaction and we just look 479 00:24:30,960 --> 00:24:33,919 Speaker 5: at the prior bank statement, or you keep receipts for 480 00:24:33,920 --> 00:24:36,200 Speaker 5: the next thirty days, whatever it might be, but let's 481 00:24:36,200 --> 00:24:37,800 Speaker 5: get a good picture. 482 00:24:37,520 --> 00:24:38,720 Speaker 4: Of a normal month. 483 00:24:39,040 --> 00:24:43,520 Speaker 5: So many people let their money dictate how they're spending 484 00:24:43,600 --> 00:24:45,320 Speaker 5: and they're not telling their money. 485 00:24:45,000 --> 00:24:47,760 Speaker 4: What to do. So let's see where you have been 486 00:24:47,840 --> 00:24:48,800 Speaker 4: spending your money. 487 00:24:49,280 --> 00:24:53,200 Speaker 5: Okay, then let's see where we need to tell our 488 00:24:53,240 --> 00:24:56,439 Speaker 5: money to go. And you know, here's the plan moving forward. 489 00:24:56,560 --> 00:24:59,240 Speaker 5: So it really starts with a good thirty day tracking 490 00:24:59,280 --> 00:25:02,639 Speaker 5: of what you've been doing, because it all adds up. 491 00:25:02,680 --> 00:25:04,880 Speaker 5: You know, people don't realize how many times they did 492 00:25:04,920 --> 00:25:08,080 Speaker 5: go and get that coffee or you know, oh, yeah, 493 00:25:08,119 --> 00:25:08,680 Speaker 5: I didn't. 494 00:25:08,480 --> 00:25:10,720 Speaker 4: Pack my lunch today, so I just have to run out. 495 00:25:10,920 --> 00:25:14,280 Speaker 5: And then when you see, oh my gosh, I just 496 00:25:14,560 --> 00:25:18,679 Speaker 5: threw away how many hundreds of dollars, So that's usually 497 00:25:18,840 --> 00:25:21,040 Speaker 5: very eye opening and then we just have a plan 498 00:25:21,119 --> 00:25:24,080 Speaker 5: from there. So no, I mean, Trinity, it's not just 499 00:25:24,160 --> 00:25:26,880 Speaker 5: people that have credit card debt. It's people that need 500 00:25:26,880 --> 00:25:30,639 Speaker 5: that budget assistance or they just need some education on 501 00:25:30,720 --> 00:25:33,399 Speaker 5: credit in general. You know, they know a little bit 502 00:25:33,400 --> 00:25:37,520 Speaker 5: about their credit report, really don't know what all is 503 00:25:37,600 --> 00:25:40,600 Speaker 5: showing how to improve it moving forward. You know, how 504 00:25:40,640 --> 00:25:43,240 Speaker 5: can we analyze your credit report and make suggestions on 505 00:25:43,320 --> 00:25:46,560 Speaker 5: what you need to do, because, yeah, you are relocating 506 00:25:46,600 --> 00:25:49,120 Speaker 5: to Nashville and you want the best credit score possible 507 00:25:49,119 --> 00:25:50,760 Speaker 5: to get the best financing possible. 508 00:25:50,880 --> 00:25:53,800 Speaker 4: So what can you do to boost that score. 509 00:25:53,560 --> 00:25:56,240 Speaker 5: When you know that's happening in the next six, twelve months, 510 00:25:56,280 --> 00:25:59,440 Speaker 5: whatever it might be. So you know, helping people in 511 00:25:59,480 --> 00:26:01,440 Speaker 5: that a capacity as well. 512 00:26:02,000 --> 00:26:03,480 Speaker 1: Ah, that was what I was about to ask you 513 00:26:03,480 --> 00:26:05,280 Speaker 1: about the credit scores. I know that's a big deal 514 00:26:05,320 --> 00:26:08,439 Speaker 1: for a lot of people, and so you're actually able 515 00:26:08,520 --> 00:26:12,359 Speaker 1: to help people accomplish their goals. Looking at that credit score, 516 00:26:12,400 --> 00:26:14,120 Speaker 1: where do we need to be? How do we get there? 517 00:26:14,119 --> 00:26:16,080 Speaker 1: How do we get that credit score up to. 518 00:26:16,000 --> 00:26:17,840 Speaker 3: Where it needs to be in order to finance? 519 00:26:19,480 --> 00:26:22,520 Speaker 1: I keep trying, Oh, Jade man, We've been trying for 520 00:26:22,560 --> 00:26:25,760 Speaker 1: so long. I keep getting like I can see the 521 00:26:25,800 --> 00:26:30,640 Speaker 1: finish line for paying off my mortgage. Like eight years ago, 522 00:26:30,800 --> 00:26:32,879 Speaker 1: we were about eight years off when we were moving 523 00:26:33,000 --> 00:26:35,480 Speaker 1: from Tennessee to here. We're about eight years off from 524 00:26:35,520 --> 00:26:36,520 Speaker 1: paying off the mortgage. 525 00:26:37,080 --> 00:26:38,200 Speaker 3: And then we came down. 526 00:26:38,080 --> 00:26:41,639 Speaker 1: Here, and now I'm about eight years off from paying 527 00:26:41,680 --> 00:26:44,359 Speaker 1: off the mortgage again, and we're going back. And then 528 00:26:44,400 --> 00:26:47,120 Speaker 1: we met with our financial advisor and he told us 529 00:26:47,320 --> 00:26:50,800 Speaker 1: that because of the way the market is in Nashville 530 00:26:50,840 --> 00:26:53,480 Speaker 1: right now, going to this bigger market where everything is 531 00:26:53,520 --> 00:26:56,840 Speaker 1: so much more expensive, plus the interest rate differentiation I 532 00:26:56,840 --> 00:27:01,280 Speaker 1: mentioned earlier that four or five point differential, which we're. 533 00:27:01,119 --> 00:27:02,480 Speaker 3: Praying it's going to be a lot lower by the 534 00:27:02,480 --> 00:27:05,520 Speaker 3: time we actually move. But he was saying, you might 535 00:27:05,600 --> 00:27:07,240 Speaker 3: have to go back to a thirty year for a 536 00:27:07,280 --> 00:27:07,760 Speaker 3: little while. 537 00:27:07,760 --> 00:27:10,800 Speaker 1: I'm like, no, no, no, no, no. 538 00:27:11,160 --> 00:27:12,520 Speaker 3: He's like, like your empty nest. 539 00:27:12,600 --> 00:27:15,280 Speaker 1: I'm like, yeah, eventually, but I'm going to be a 540 00:27:15,320 --> 00:27:18,360 Speaker 1: senior citizen by the time that happens. Anyways, I can 541 00:27:18,440 --> 00:27:22,359 Speaker 1: see how looking down the line and those credit scores, 542 00:27:22,400 --> 00:27:24,879 Speaker 1: they do matter for the world that we live in. 543 00:27:25,240 --> 00:27:26,400 Speaker 3: Eventually, hopefully we can. 544 00:27:26,320 --> 00:27:28,000 Speaker 1: Get out of all of our debt and pay off 545 00:27:28,040 --> 00:27:30,760 Speaker 1: our owns and then the credit score doesn't really matter anyway. 546 00:27:31,160 --> 00:27:34,120 Speaker 1: But I know I'm not quite there yet, So that's 547 00:27:34,119 --> 00:27:36,280 Speaker 1: really cool to hear how you can help people meet 548 00:27:36,280 --> 00:27:38,760 Speaker 1: their financial goals that way as well. 549 00:27:38,760 --> 00:27:41,359 Speaker 3: But I want to hear are there some personal stories. 550 00:27:41,400 --> 00:27:44,760 Speaker 1: Some clients who have committed to EI their debt management 551 00:27:45,080 --> 00:27:49,000 Speaker 1: or your budgeting education or plans that you have there 552 00:27:49,560 --> 00:27:53,280 Speaker 1: and working towards financial freedom. I can tell you for example, 553 00:27:53,560 --> 00:27:55,560 Speaker 1: I had a woman coming to me on the prayer line. 554 00:27:56,200 --> 00:27:58,320 Speaker 1: It was last summer. Came up to me on the 555 00:27:58,320 --> 00:28:02,959 Speaker 1: prayer line and was just re really distressed financially. I 556 00:28:03,000 --> 00:28:04,600 Speaker 1: was able to pray with her. But not only was 557 00:28:04,640 --> 00:28:06,600 Speaker 1: I able to pray with her, I was actually able 558 00:28:06,680 --> 00:28:09,199 Speaker 1: to point her in a direction where she could get. Actually, 559 00:28:09,320 --> 00:28:11,520 Speaker 1: she was in a small group where they were going 560 00:28:11,560 --> 00:28:14,760 Speaker 1: through debt management and doing that together with these people. 561 00:28:14,880 --> 00:28:17,280 Speaker 1: She is a different woman now. Every time I see 562 00:28:17,280 --> 00:28:18,720 Speaker 1: her at church now, she comes up to me and 563 00:28:18,760 --> 00:28:22,800 Speaker 1: she's just her face is beaming, and she's so excited 564 00:28:22,800 --> 00:28:25,960 Speaker 1: because she's starting to get the debt under control, she's 565 00:28:26,000 --> 00:28:27,919 Speaker 1: starting to pay it off, and she can see a 566 00:28:28,000 --> 00:28:29,680 Speaker 1: future where there's some freedom. 567 00:28:29,800 --> 00:28:31,399 Speaker 2: So I'm sure that has got to. 568 00:28:31,400 --> 00:28:34,440 Speaker 3: Be I'm going to guess the most rewarding part of 569 00:28:34,480 --> 00:28:44,000 Speaker 3: your job, isn't it? Hey, friends, it's Catherine here. 570 00:28:44,080 --> 00:28:46,959 Speaker 1: If you're trying to raise godly kids in this wild 571 00:28:47,000 --> 00:28:49,560 Speaker 1: and wacky world, you need all the help you can get, 572 00:28:50,000 --> 00:28:53,200 Speaker 1: and I've got you covered. When you subscribe to my website, 573 00:28:53,280 --> 00:28:57,440 Speaker 1: you'll get instant access to tons of free resources made. 574 00:28:57,400 --> 00:28:58,880 Speaker 2: Just for Christian parents. 575 00:28:59,040 --> 00:29:01,120 Speaker 3: You'll get my product a Bundle, which is. 576 00:29:01,120 --> 00:29:04,640 Speaker 1: Packed with every podcast, article, and scripture list I've created 577 00:29:04,640 --> 00:29:08,640 Speaker 1: for parents walking that tough prodigal road. You'll also get 578 00:29:08,640 --> 00:29:12,360 Speaker 1: my free eat book Beyond the Lies and covering five. 579 00:29:12,160 --> 00:29:15,880 Speaker 3: Myths the culture spreads to mothers, plus powerful scripture lists 580 00:29:16,000 --> 00:29:17,960 Speaker 3: Pray over your Kids, and even. 581 00:29:17,800 --> 00:29:21,160 Speaker 1: Scripture songs to help your family hide God's word in. 582 00:29:21,080 --> 00:29:22,640 Speaker 2: Your hearts without even trying. 583 00:29:23,040 --> 00:29:25,760 Speaker 1: And of course I'll keep you encouraged with my weekly 584 00:29:25,880 --> 00:29:29,040 Speaker 1: newsletter full of faith filled PEP talks and. 585 00:29:29,160 --> 00:29:32,040 Speaker 3: Outlines of what we're tackling each week on the show. 586 00:29:32,120 --> 00:29:32,880 Speaker 2: So don't miss out. 587 00:29:32,920 --> 00:29:36,200 Speaker 1: Head over to Catherine Scars dot com. That's Katherine Segers 588 00:29:36,200 --> 00:29:38,240 Speaker 1: dot com and subscribe today. 589 00:29:38,320 --> 00:29:41,040 Speaker 2: Because Christian parenting may be crazy, but. 590 00:29:41,000 --> 00:29:46,320 Speaker 3: You don't have to do it alone. 591 00:29:46,520 --> 00:29:49,720 Speaker 4: Oh my gosh, absolutely gosh. And just even thinking about 592 00:29:49,720 --> 00:29:51,320 Speaker 4: these clients in my mind, I'm like, oh my gosh, 593 00:29:51,360 --> 00:29:54,280 Speaker 4: I'm gonna start crying. They are. I mean, there's so 594 00:29:54,360 --> 00:29:56,040 Speaker 4: many people that are so dear to me. 595 00:29:56,680 --> 00:29:59,920 Speaker 5: You know, we become I don't know of real accounts 596 00:30:00,280 --> 00:30:01,320 Speaker 5: through them a lot of times. 597 00:30:01,320 --> 00:30:03,000 Speaker 3: And no, there's a lot of tears, aren't there. 598 00:30:03,000 --> 00:30:05,600 Speaker 1: Because when I go to see our he happens to 599 00:30:05,600 --> 00:30:08,120 Speaker 1: be a friend, but our financial advisor. 600 00:30:08,480 --> 00:30:10,640 Speaker 3: Every time we come in, he comes he puts. 601 00:30:10,440 --> 00:30:12,800 Speaker 1: A box of Kleenex down with us, because you. 602 00:30:12,760 --> 00:30:16,080 Speaker 3: Start talking about your dreams and your visions. 603 00:30:15,640 --> 00:30:19,960 Speaker 1: For the future that you need some help to get 604 00:30:19,960 --> 00:30:23,080 Speaker 1: there financially. And sometimes we don't always possess all the 605 00:30:23,080 --> 00:30:24,920 Speaker 1: tools in our toolbox to get there. So you've got 606 00:30:24,960 --> 00:30:27,480 Speaker 1: to partner with somebody else that can help you get there. 607 00:30:27,560 --> 00:30:30,680 Speaker 1: And you're helping people not just get out of debt 608 00:30:30,680 --> 00:30:32,720 Speaker 1: and get out of the stress, but also fulfill the 609 00:30:32,720 --> 00:30:36,280 Speaker 1: purposes God created them for because there's this financial component 610 00:30:36,320 --> 00:30:37,360 Speaker 1: to getting there, isn't there? 611 00:30:37,680 --> 00:30:40,480 Speaker 4: Oh my gosh, absolutely one percent. No. 612 00:30:40,600 --> 00:30:44,760 Speaker 5: I've got three clients that come to mind right off 613 00:30:44,760 --> 00:30:48,880 Speaker 5: the bat. One lady I spoke to yesterday. She had 614 00:30:48,960 --> 00:30:51,960 Speaker 5: been divorced for a while and was receiving alimony. For 615 00:30:52,040 --> 00:30:55,440 Speaker 5: whatever reason, she was not going to be receiving that anymore. 616 00:30:56,120 --> 00:30:59,960 Speaker 4: He lives on Social Security and get sixteen sixteen thousand dollar. 617 00:31:00,120 --> 00:31:00,640 Speaker 4: It's a year. 618 00:31:01,840 --> 00:31:04,800 Speaker 5: Her payment on her two remaining credit cards was one 619 00:31:04,920 --> 00:31:09,520 Speaker 5: hundred and twenty five dollars, and she's like, I mean 620 00:31:10,080 --> 00:31:14,640 Speaker 5: it's all relative to the person. You know, I should 621 00:31:14,720 --> 00:31:16,720 Speaker 5: be oh, one hundred and twenty five dollars. I can 622 00:31:16,760 --> 00:31:20,560 Speaker 5: swing that. But then some people have a payment of 623 00:31:20,640 --> 00:31:23,520 Speaker 5: twenty three hundred dollars and they can swing it no problem. 624 00:31:23,680 --> 00:31:26,400 Speaker 5: So you know, it doesn't matter how small it is. 625 00:31:26,440 --> 00:31:29,520 Speaker 5: For some people that is everrist. I mean, that is 626 00:31:29,560 --> 00:31:32,840 Speaker 5: a huge mountain for them. And I told her I said, 627 00:31:32,920 --> 00:31:35,320 Speaker 5: you know what, I know, every little bit helps, So 628 00:31:35,400 --> 00:31:36,960 Speaker 5: we're just going to wave your trinity feet. 629 00:31:36,960 --> 00:31:40,560 Speaker 4: We're not going to charge you anymore. And I mean, 630 00:31:40,560 --> 00:31:42,960 Speaker 4: that was the least I could do. And again it 631 00:31:43,000 --> 00:31:44,360 Speaker 4: was such a small amounts. 632 00:31:44,720 --> 00:31:46,800 Speaker 5: She's like, oh my gosh, Jade, are you serious, Like 633 00:31:46,840 --> 00:31:48,480 Speaker 5: you're not going to charge me at feet. 634 00:31:48,240 --> 00:31:50,720 Speaker 4: And you weren't, Like, no, don't even worry about it. 635 00:31:50,720 --> 00:31:53,600 Speaker 5: We're focused on getting these last two credit cards paid off. 636 00:31:54,000 --> 00:31:55,880 Speaker 4: You know, anything we can do to help, we're going to. 637 00:31:56,280 --> 00:32:01,120 Speaker 5: So blessed her. Yesterday, another girl I talk to almost daily. 638 00:32:01,960 --> 00:32:06,680 Speaker 5: Most clients do not call that office. She former military, 639 00:32:06,880 --> 00:32:11,320 Speaker 5: has very extreme PTSD and she doesn't connect with many 640 00:32:11,360 --> 00:32:14,360 Speaker 5: people at all. But I have built this relationship with 641 00:32:14,440 --> 00:32:17,840 Speaker 5: her and we are working with her on three of 642 00:32:17,840 --> 00:32:20,520 Speaker 5: her Navy federal accounts and have a really good plan 643 00:32:20,600 --> 00:32:23,480 Speaker 5: in place to get those paid off. So, you know, 644 00:32:23,560 --> 00:32:28,320 Speaker 5: just helping her on her life journey. We've been through 645 00:32:28,360 --> 00:32:30,400 Speaker 5: this for a while, but it's good to be there 646 00:32:30,440 --> 00:32:32,240 Speaker 5: for her when I know she doesn't trust a lot 647 00:32:32,280 --> 00:32:32,680 Speaker 5: of people. 648 00:32:33,440 --> 00:32:36,560 Speaker 4: And then lastly, I know there was an individual. 649 00:32:36,000 --> 00:32:38,920 Speaker 5: I talked to because I was covering for someone else 650 00:32:38,960 --> 00:32:41,080 Speaker 5: here in the office one day and they had lost 651 00:32:41,120 --> 00:32:45,640 Speaker 5: their home to a house fire in November. And each Christmas, 652 00:32:45,640 --> 00:32:48,840 Speaker 5: our president allows us to pick a client and Trinity 653 00:32:48,880 --> 00:32:52,160 Speaker 5: will pay their total monthly payment for them, whether it's 654 00:32:52,200 --> 00:32:54,560 Speaker 5: the one hundred and twenty five dollars payment or the 655 00:32:54,840 --> 00:32:56,360 Speaker 5: twenty three hundred dollars payment. 656 00:32:56,760 --> 00:32:57,720 Speaker 4: And I remember. 657 00:32:57,400 --> 00:32:59,640 Speaker 5: Calling her and telling her, you know, Trinity's going to 658 00:32:59,640 --> 00:33:00,840 Speaker 5: cover that payment for you. 659 00:33:00,920 --> 00:33:02,400 Speaker 4: It's part of our season of giving. 660 00:33:03,040 --> 00:33:08,080 Speaker 5: And oh my goodness, you know just how appreciative they were, 661 00:33:08,160 --> 00:33:10,440 Speaker 5: But how much it means to us to be able 662 00:33:10,480 --> 00:33:11,800 Speaker 5: to do that for people each year. 663 00:33:12,240 --> 00:33:13,000 Speaker 4: It's wonderful. 664 00:33:13,480 --> 00:33:14,120 Speaker 2: Okay, Jade. 665 00:33:14,640 --> 00:33:19,640 Speaker 3: I didn't think I needed Kleenex for an interview with 666 00:33:19,720 --> 00:33:24,480 Speaker 3: someone on personal finances and debt management, but you got 667 00:33:24,480 --> 00:33:26,120 Speaker 3: me there. I should have known, because, like. 668 00:33:26,080 --> 00:33:28,920 Speaker 1: I said, my financial player always brings a box of 669 00:33:29,000 --> 00:33:32,760 Speaker 1: Kleenex in These issues are near and dear to our hearts, 670 00:33:32,760 --> 00:33:35,840 Speaker 1: and they cause so much stress and so much heartache, 671 00:33:35,880 --> 00:33:38,880 Speaker 1: and they prevent us, honestly from being able to dream the. 672 00:33:38,920 --> 00:33:40,640 Speaker 2: Dreams that God has for our lives. 673 00:33:41,120 --> 00:33:43,280 Speaker 3: So I mean, you are doing guys work there. Those 674 00:33:43,280 --> 00:33:47,560 Speaker 3: are amazing stories. Those are incredible stories. I tell you 675 00:33:47,680 --> 00:33:49,840 Speaker 3: next time, I'm on the prayer line and somebody comes up. 676 00:33:50,000 --> 00:33:52,560 Speaker 3: I didn't know about you guys back then. I became 677 00:33:52,640 --> 00:33:54,040 Speaker 3: familiar with you more recently. 678 00:33:54,160 --> 00:33:56,040 Speaker 1: I know I'm going to be calling hey, Jade, I 679 00:33:56,080 --> 00:34:00,080 Speaker 1: got somebody for you, because it was It's been so 680 00:34:00,240 --> 00:34:02,640 Speaker 1: rewarding to see you know, this isn't what I do 681 00:34:02,720 --> 00:34:04,600 Speaker 1: every day. This is what you do every day. But 682 00:34:04,800 --> 00:34:09,279 Speaker 1: to see that transformation in her life. She's a single mom, 683 00:34:09,560 --> 00:34:12,160 Speaker 1: and she was so stressed out and she just didn't 684 00:34:12,200 --> 00:34:15,839 Speaker 1: know where to start. So for those people in our 685 00:34:15,960 --> 00:34:19,759 Speaker 1: audience who don't know where to start, who are overwhelmed 686 00:34:19,800 --> 00:34:22,920 Speaker 1: with debt or don't know how to do budgeting, what 687 00:34:23,000 --> 00:34:25,359 Speaker 1: would you say would be like, like, give us two 688 00:34:25,480 --> 00:34:28,720 Speaker 1: or three steps that they should take today to help 689 00:34:29,440 --> 00:34:31,959 Speaker 1: find their way out of that hole. 690 00:34:33,760 --> 00:34:36,440 Speaker 5: You know, I mean whether you I guess if you, 691 00:34:36,640 --> 00:34:38,719 Speaker 5: if you want Trinity's assistance, the first thing is just 692 00:34:38,800 --> 00:34:41,560 Speaker 5: make that call. I know it's the hardest step reaching 693 00:34:41,640 --> 00:34:43,320 Speaker 5: out to somebody because you think I got this, I 694 00:34:43,360 --> 00:34:46,000 Speaker 5: can handle it, I can figure it out, you know, 695 00:34:46,160 --> 00:34:48,960 Speaker 5: I just I got to try something else, or you know, 696 00:34:49,239 --> 00:34:51,359 Speaker 5: I can do this, I created it, I can do this. 697 00:34:52,080 --> 00:34:55,239 Speaker 5: But we're here to help you know, we're here and 698 00:34:55,280 --> 00:34:57,440 Speaker 5: so much of what we do there's no charge, and 699 00:34:57,480 --> 00:34:59,600 Speaker 5: anything that there is a fee for it is very minimal. 700 00:34:59,640 --> 00:35:02,719 Speaker 5: So just make the call, go to our website, reach 701 00:35:02,800 --> 00:35:03,440 Speaker 5: out to us. 702 00:35:04,000 --> 00:35:04,880 Speaker 4: You know a lot of people. 703 00:35:04,920 --> 00:35:07,560 Speaker 5: We might just give you some educational materials, you know, 704 00:35:07,640 --> 00:35:11,399 Speaker 5: but it's putting you in the right direction to meet whatever. 705 00:35:11,080 --> 00:35:11,759 Speaker 4: Goal that you have. 706 00:35:12,360 --> 00:35:14,920 Speaker 5: But if it's outside of calling Trinity, you know, great. 707 00:35:14,960 --> 00:35:17,880 Speaker 5: It's really just laying out. 708 00:35:17,280 --> 00:35:19,480 Speaker 4: Okay, what are my goals? 709 00:35:19,640 --> 00:35:23,640 Speaker 5: Okay, if my goals have nothing to do with my finances, 710 00:35:24,120 --> 00:35:27,160 Speaker 5: you're gonna have to have finances to meet. 711 00:35:26,960 --> 00:35:28,080 Speaker 4: Them, surely. 712 00:35:28,320 --> 00:35:30,760 Speaker 5: So really laying out you know, what is a short 713 00:35:30,840 --> 00:35:35,320 Speaker 5: term what is a long term goal? Okay, then backtrack 714 00:35:35,680 --> 00:35:38,560 Speaker 5: looking at my current budget. You know, here's my income, 715 00:35:38,600 --> 00:35:41,239 Speaker 5: here's my expenses. What am I going to do? 716 00:35:41,480 --> 00:35:43,399 Speaker 4: How can I attain that goal? 717 00:35:44,040 --> 00:35:47,200 Speaker 5: And if I have outstanding debt, can I pull in 718 00:35:47,280 --> 00:35:49,280 Speaker 5: someone else that's going to give me a little relief 719 00:35:49,360 --> 00:35:51,960 Speaker 5: so I can get that goal attained even quicker? 720 00:35:52,600 --> 00:35:54,280 Speaker 4: But yeah, I mean for me, I'm. 721 00:35:54,080 --> 00:35:57,560 Speaker 5: Definitely a pen and paper, So yeah, writing it down 722 00:35:57,760 --> 00:36:01,080 Speaker 5: or you know, seeing there in front of me like 723 00:36:01,320 --> 00:36:03,759 Speaker 5: makes it real. So it's not just these thoughts in 724 00:36:03,800 --> 00:36:08,560 Speaker 5: my head. Let me see it. What's the problem? Where 725 00:36:08,560 --> 00:36:11,960 Speaker 5: do I want to go? Can I create a solution 726 00:36:12,080 --> 00:36:14,400 Speaker 5: for myself? Or can I pull in Trinity or someone 727 00:36:14,400 --> 00:36:15,080 Speaker 5: else to help me. 728 00:36:15,600 --> 00:36:18,160 Speaker 1: I'm thinking right now what I want to write down 729 00:36:18,520 --> 00:36:20,319 Speaker 1: the same goal I've had for a little while, Like 730 00:36:20,360 --> 00:36:22,560 Speaker 1: I said, being mortgage free, but. 731 00:36:22,600 --> 00:36:23,719 Speaker 3: Also there's one of them. 732 00:36:24,719 --> 00:36:25,560 Speaker 5: In twenty twenty, we. 733 00:36:25,560 --> 00:36:28,360 Speaker 1: Were talking about how bad COVID was was that was 734 00:36:28,360 --> 00:36:31,520 Speaker 1: the year of our twenty fifth wedding anniversary, and we 735 00:36:31,520 --> 00:36:34,319 Speaker 1: were scheduled. We'd already purchased part of the trip, not 736 00:36:34,360 --> 00:36:36,680 Speaker 1: a whole trip. We purchased it in January of that year. 737 00:36:36,719 --> 00:36:39,200 Speaker 1: Of course, everything hit the fan in what March April, 738 00:36:39,600 --> 00:36:41,360 Speaker 1: and we were supposed to go in May on our 739 00:36:41,440 --> 00:36:46,439 Speaker 1: twenty fifth wedding anniversary trip to Europe. We were going 740 00:36:46,480 --> 00:36:49,880 Speaker 1: to Prague, We're going to tour the Czech Republic and 741 00:36:49,880 --> 00:36:53,520 Speaker 1: then go to Barcelona and tour like the Spanish Mediterranean. 742 00:36:53,719 --> 00:36:56,319 Speaker 1: And have never been able to take that trip. I 743 00:36:56,360 --> 00:36:59,080 Speaker 1: still have a couple thousand dollars worth of travel vouchers. 744 00:36:59,360 --> 00:37:01,600 Speaker 1: We just never had the money to put with it 745 00:37:01,960 --> 00:37:05,480 Speaker 1: to complete the trip because my husband being in the 746 00:37:05,520 --> 00:37:08,320 Speaker 1: hospitality industry just and I'm sure there's some other people 747 00:37:08,360 --> 00:37:11,960 Speaker 1: who have, whether it was COVID or medical or whatever. 748 00:37:12,080 --> 00:37:14,680 Speaker 3: You know, some unexpected thing happening. You mentioned somebody had 749 00:37:14,680 --> 00:37:15,320 Speaker 3: a house fire. 750 00:37:15,719 --> 00:37:18,839 Speaker 1: You know, those things just can set you back and 751 00:37:18,880 --> 00:37:22,560 Speaker 1: then you're like it. Now, we've already celebrated our thirtieth 752 00:37:22,800 --> 00:37:25,640 Speaker 1: this last year, and we still haven't taken our twenty 753 00:37:25,640 --> 00:37:26,680 Speaker 1: fourth wedding anniversary. 754 00:37:26,719 --> 00:37:28,600 Speaker 3: So that goes down on my list. 755 00:37:28,360 --> 00:37:30,759 Speaker 1: Of goals that one of these days I would really 756 00:37:30,800 --> 00:37:34,160 Speaker 1: like to take my twenty fifth wedding anniversary trip, maybe hopefully. 757 00:37:33,760 --> 00:37:34,640 Speaker 2: Before our fiftieth. 758 00:37:35,080 --> 00:37:37,920 Speaker 3: That might be hopefully well before a fiftieth. 759 00:37:38,160 --> 00:37:41,839 Speaker 1: But anyways, this has just been incredible, incredible. 760 00:37:41,880 --> 00:37:44,080 Speaker 3: I like I said, I wish I'd brought some tissue 761 00:37:44,080 --> 00:37:44,640 Speaker 3: along with me. 762 00:37:44,760 --> 00:37:47,160 Speaker 1: Your stories are incredible and what you get to do 763 00:37:47,239 --> 00:37:49,760 Speaker 1: and help people with on a daily basis is amazing. 764 00:37:49,800 --> 00:37:52,640 Speaker 1: So if you could live parents with like just one 765 00:37:52,719 --> 00:37:54,080 Speaker 1: message of hope, what would that be? 766 00:37:55,320 --> 00:37:57,560 Speaker 4: Well, one message of hope? 767 00:37:59,200 --> 00:38:01,760 Speaker 5: I think when you said earlier the best laid plans, 768 00:38:01,800 --> 00:38:05,000 Speaker 5: you know, we we can plan and we can prepare, 769 00:38:05,400 --> 00:38:07,560 Speaker 5: but you know at the end of the day that 770 00:38:08,040 --> 00:38:09,120 Speaker 5: God's in control. 771 00:38:09,480 --> 00:38:12,040 Speaker 4: And everything is going to be okay. 772 00:38:12,480 --> 00:38:15,799 Speaker 5: You know, put those goals out there, set a plan 773 00:38:15,920 --> 00:38:20,440 Speaker 5: in place, but then also know that God's in control 774 00:38:20,680 --> 00:38:23,319 Speaker 5: and you know things are going to work out, and 775 00:38:23,400 --> 00:38:24,000 Speaker 5: he's there. 776 00:38:24,080 --> 00:38:25,600 Speaker 4: On those days that we're stressed and. 777 00:38:25,520 --> 00:38:27,839 Speaker 5: We're overwhelmed and we don't see an end in sight, 778 00:38:28,400 --> 00:38:31,600 Speaker 5: you know he's still right there beside us. So I mean, 779 00:38:31,600 --> 00:38:33,680 Speaker 5: that's what you have to keep in the forefront of 780 00:38:33,760 --> 00:38:37,480 Speaker 5: your mind for anything, whether it's finances or anything else 781 00:38:37,600 --> 00:38:40,600 Speaker 5: that you know we've got we can do our part, 782 00:38:40,800 --> 00:38:43,359 Speaker 5: but at the end of the day, He's he knows 783 00:38:43,360 --> 00:38:46,560 Speaker 5: what's best and he's going to see us through to 784 00:38:46,600 --> 00:38:46,920 Speaker 5: the end. 785 00:38:47,760 --> 00:38:50,080 Speaker 2: Absolutely. I don't think I could have said that better. 786 00:38:50,080 --> 00:38:52,120 Speaker 1: And I love that you echoed back the best laid 787 00:38:52,160 --> 00:38:55,719 Speaker 1: plans of my then O, I love that poem. 788 00:38:55,840 --> 00:38:56,919 Speaker 3: I love that author as well. 789 00:38:57,080 --> 00:38:58,359 Speaker 2: I was that. 790 00:38:59,200 --> 00:39:00,920 Speaker 1: I can't even think of author at the top of 791 00:39:00,960 --> 00:39:02,960 Speaker 1: my head, but I keep coming back to that pool 792 00:39:03,640 --> 00:39:06,520 Speaker 1: put it in the outro. But I cannot thank you 793 00:39:06,719 --> 00:39:10,120 Speaker 1: enough for your expertise, your compassion, your your stories, your 794 00:39:10,160 --> 00:39:13,720 Speaker 1: spiritual clarity on a topic that is so so heavy 795 00:39:13,880 --> 00:39:16,040 Speaker 1: for so many families. So if listeners wanted to learn 796 00:39:16,080 --> 00:39:19,160 Speaker 1: more about Trinity Debt Management and the services that. 797 00:39:19,120 --> 00:39:21,880 Speaker 2: You you offer. Where would be a good place to start. 798 00:39:22,280 --> 00:39:25,640 Speaker 5: Yeah, absolutely, so going straight to the website initially is fantastic. 799 00:39:26,080 --> 00:39:28,399 Speaker 4: That's Trinity Credit dot org. 800 00:39:29,320 --> 00:39:32,280 Speaker 5: You can learn a lot about us, you know, contact 801 00:39:32,360 --> 00:39:34,880 Speaker 5: us through the side, or you know, call anytime. 802 00:39:34,960 --> 00:39:37,520 Speaker 4: We're here to help. But Trinity Credit dot org. 803 00:39:38,200 --> 00:39:39,920 Speaker 2: Okay, sounds awesome. 804 00:39:40,040 --> 00:39:42,279 Speaker 3: And I love that one of your clients actually calls 805 00:39:42,320 --> 00:39:42,879 Speaker 3: you every day. 806 00:39:43,440 --> 00:39:46,000 Speaker 4: That's I think she's called while we've been speaking. 807 00:39:46,120 --> 00:39:50,480 Speaker 3: Yeah times, I saw you looking over earlier, so that 808 00:39:50,600 --> 00:39:50,879 Speaker 3: was her. 809 00:39:51,040 --> 00:39:54,600 Speaker 1: We'll tell her we said hello, And I'm glad that 810 00:39:54,640 --> 00:39:57,759 Speaker 1: she's found such an ally in you, both both personally 811 00:39:58,160 --> 00:39:59,719 Speaker 1: and financially. 812 00:40:00,040 --> 00:40:01,400 Speaker 2: Yes, that's amazing. 813 00:40:01,440 --> 00:40:03,560 Speaker 3: I think what you guys are doing is amazing. 814 00:40:03,600 --> 00:40:06,640 Speaker 1: This has been incredible. I'll definitely link all of that 815 00:40:06,719 --> 00:40:09,720 Speaker 1: in the show notes. And thanks for joining us today. 816 00:40:09,760 --> 00:40:11,880 Speaker 1: I know you brought a lot of a lot of hope, 817 00:40:12,200 --> 00:40:13,640 Speaker 1: a lot of clarity, and a lot of peace to 818 00:40:13,640 --> 00:40:14,320 Speaker 1: a lot of parents. 819 00:40:14,640 --> 00:40:15,400 Speaker 4: Awesome. Thank you. 820 00:40:16,160 --> 00:40:18,279 Speaker 1: If you want to give Trinity a call, you can 821 00:40:18,400 --> 00:40:22,120 Speaker 1: reach them at one eight hundred seven nine three eight 822 00:40:22,200 --> 00:40:26,480 Speaker 1: five four eight. That's one eight hundred seven nine three, eight, five, 823 00:40:26,960 --> 00:40:29,680 Speaker 1: four eight. I will link to them in the show notes. 824 00:40:29,960 --> 00:40:31,879 Speaker 1: The poet I was trying to recall, by the way, 825 00:40:32,239 --> 00:40:37,359 Speaker 1: was Robert Burns, Scotland's favorite son. Sorry, that's my very 826 00:40:37,400 --> 00:40:39,040 Speaker 1: poor tent at a Scottish accent. 827 00:40:39,239 --> 00:40:40,000 Speaker 2: I should know this. 828 00:40:40,200 --> 00:40:44,520 Speaker 1: Poet actually, because my firstborn's name came from one of 829 00:40:44,560 --> 00:40:49,040 Speaker 1: his poems, Sweet Often. The poem I was quoting from, however, 830 00:40:49,280 --> 00:40:52,280 Speaker 1: is titled to a Mouse. It's about a cute little 831 00:40:52,280 --> 00:40:56,240 Speaker 1: critter who has his entire world upended by the plowing 832 00:40:56,320 --> 00:40:59,279 Speaker 1: equipment of a farmer. You know, it sounds kind of 833 00:40:59,320 --> 00:41:03,160 Speaker 1: like that family Jade mentioned whose entire world was turned 834 00:41:03,200 --> 00:41:07,480 Speaker 1: upside down through a house fire. And, as the poem says, 835 00:41:07,960 --> 00:41:11,000 Speaker 1: the best laid pens of mice and men oft go 836 00:41:11,160 --> 00:41:15,719 Speaker 1: awry and leave us nothing but grief and pain for 837 00:41:15,840 --> 00:41:20,239 Speaker 1: promised joy. We can experience a lot of grief and 838 00:41:20,280 --> 00:41:23,480 Speaker 1: pain in life when what we hope for doesn't come 839 00:41:23,520 --> 00:41:28,040 Speaker 1: to pass, financial or otherwise. But this is where our 840 00:41:28,120 --> 00:41:33,840 Speaker 1: faith comes into play. God always has a plan, And 841 00:41:33,960 --> 00:41:35,640 Speaker 1: as we close today, I'm want to leave you with 842 00:41:35,680 --> 00:41:39,879 Speaker 1: this encouragement. If financial stress has been weighing on you, 843 00:41:40,040 --> 00:41:44,560 Speaker 1: remember that God sees you not just through numbers, not just. 844 00:41:44,520 --> 00:41:48,319 Speaker 2: Your worries, but your faithfulness in the middle of it all. 845 00:41:48,440 --> 00:41:51,960 Speaker 1: You don't have to have everything figured out to be 846 00:41:52,000 --> 00:41:54,320 Speaker 1: a good parent. You don't have to be debt free 847 00:41:54,560 --> 00:41:56,239 Speaker 1: or stress free to be. 848 00:41:56,360 --> 00:41:58,280 Speaker 3: Used by God in your home. 849 00:41:58,680 --> 00:42:02,080 Speaker 1: But know this, He has a plan to help you 850 00:42:02,200 --> 00:42:05,920 Speaker 1: find financial freedom. So ask him what it is and 851 00:42:06,000 --> 00:42:06,799 Speaker 1: he will show you. 852 00:42:07,000 --> 00:42:09,520 Speaker 2: And never forget, never forget. 853 00:42:09,920 --> 00:42:12,880 Speaker 3: God gave you your kids, your. 854 00:42:12,800 --> 00:42:16,480 Speaker 1: Specific kids for a reason. That's because you hold the 855 00:42:16,560 --> 00:42:21,040 Speaker 1: key to unlocking God created them to be. We'll see 856 00:42:21,080 --> 00:42:21,640 Speaker 1: you next time. 857 00:42:28,320 --> 00:42:31,600 Speaker 5: Christian parent Crazy World is a production of Life Audio 858 00:42:31,719 --> 00:42:34,400 Speaker 5: and Salem Media. If you liked what you heard today, 859 00:42:34,560 --> 00:42:37,440 Speaker 5: please take a second to rate and review this podcast 860 00:42:37,560 --> 00:42:40,560 Speaker 5: in your favorite podcast app so that more listeners like 861 00:42:40,600 --> 00:42:44,920 Speaker 5: you can find the show. For more faith filled inspirational podcasts, 862 00:42:45,160 --> 00:42:55,080 Speaker 5: visit us at lifeaudio dot com.