1 00:00:00,200 --> 00:00:02,760 Speaker 1: Come on, let's thank God for all our locations. Help 2 00:00:02,800 --> 00:00:11,879 Speaker 1: me Valentine Epham around the world. Where's my Etham. I'm 3 00:00:11,920 --> 00:00:14,520 Speaker 1: on elevation Hirch YouTube. If you want to give me 4 00:00:14,560 --> 00:00:16,439 Speaker 1: a quick shout out to let me know your name 5 00:00:16,560 --> 00:00:20,239 Speaker 1: and your state or country. I would love to know 6 00:00:20,239 --> 00:00:22,520 Speaker 1: where you're joining us from. Of course, all of our 7 00:00:22,560 --> 00:00:28,560 Speaker 1: local locations Elevation, Riverwalk Elevation, Uptown Elevation, Gaston. How many 8 00:00:28,600 --> 00:00:35,360 Speaker 1: of y'all traveled to be in church today? So you 9 00:00:35,360 --> 00:00:38,800 Speaker 1: you did a good thing. Even if it was seventeen 10 00:00:38,880 --> 00:00:43,680 Speaker 1: dollars a gallon, it will be worth it, I promise you. 11 00:00:45,800 --> 00:00:48,600 Speaker 1: All right, y'all, here they come. They're joining us today 12 00:00:48,680 --> 00:01:01,600 Speaker 1: from Guyana, Jamaica, South Africa, Philippines, India, Georgia, Indonesia, Virginia, No, 13 00:01:01,720 --> 00:01:09,399 Speaker 1: that's her name, Virginia from California. That was confusing, Louisiana, Michigan, 14 00:01:10,200 --> 00:01:12,880 Speaker 1: New Jersey. Hey, we're coming to New Jersey. You gotta 15 00:01:12,920 --> 00:01:18,360 Speaker 1: come to New Jersey. Elevation Nights is five weeks away. 16 00:01:19,200 --> 00:01:21,480 Speaker 1: Listen everywhere we're coming. If you have any cousins in 17 00:01:21,520 --> 00:01:24,440 Speaker 1: these cities, all right, because this begins very soon and 18 00:01:24,440 --> 00:01:26,479 Speaker 1: I don't want you I don't want you to miss out. 19 00:01:26,680 --> 00:01:38,360 Speaker 1: We're gonna be in Chicago, Grand Rapids, Indianapolis, Columbus, Ohio, Washington, DC, Redding, Pennsylvania, Newark, 20 00:01:38,400 --> 00:01:44,040 Speaker 1: New Jersey, like I said, and Boston, Massachusetts. Elevation Nights 21 00:01:44,160 --> 00:01:48,160 Speaker 1: dot Com. Some of y'all want to get a ticket 22 00:01:48,160 --> 00:01:51,160 Speaker 1: and be a groupie and just come with us on 23 00:01:51,200 --> 00:01:54,520 Speaker 1: the road. It gets crazy, doesn't it. It's crazy on 24 00:01:54,560 --> 00:01:57,080 Speaker 1: the road, isn't it. Lj am I lying to the 25 00:01:57,080 --> 00:02:02,320 Speaker 1: people of God absolutely saying we're excited. We're excited so 26 00:02:02,400 --> 00:02:06,080 Speaker 1: many good things. You saw the outreach updates, and I 27 00:02:06,120 --> 00:02:07,720 Speaker 1: don't know, look at somebody and say, I don't know 28 00:02:07,720 --> 00:02:14,399 Speaker 1: what you did right, But today you get to hear 29 00:02:14,520 --> 00:02:26,720 Speaker 1: Dave Ramsey. Well, I mean, who could help us more 30 00:02:26,760 --> 00:02:30,320 Speaker 1: at a time like this than Dave Ramsey. Dave, We're 31 00:02:30,320 --> 00:02:32,960 Speaker 1: honored you're here. Man. I already told you this, but 32 00:02:33,280 --> 00:02:35,400 Speaker 1: so they can know. My oldest son came to me 33 00:02:35,480 --> 00:02:37,680 Speaker 1: the other day he said, I found this guy dad 34 00:02:37,720 --> 00:02:44,720 Speaker 1: on YouTube named Dave Ramsey. He thought he discovered Dave Ramsey. No, no, 35 00:02:44,720 --> 00:02:46,639 Speaker 1: but he had been watching him and he was like, 36 00:02:46,720 --> 00:02:48,600 Speaker 1: I'm gonna do this all this stuff on the budget. 37 00:02:48,600 --> 00:02:50,320 Speaker 1: Why didn't you teach me all this? Da And I said, 38 00:02:50,360 --> 00:02:52,280 Speaker 1: I taught you all this. This is what I do. 39 00:02:53,160 --> 00:02:55,760 Speaker 1: And I was like, I actually know Dave and he 40 00:02:55,919 --> 00:02:58,560 Speaker 1: was like really, I'm like, yeah, I'm kind of cool. 41 00:02:58,600 --> 00:03:02,359 Speaker 1: I have some cool friends. And you know, the other day, 42 00:03:02,400 --> 00:03:05,880 Speaker 1: I was praying about it and who would God bring 43 00:03:05,919 --> 00:03:07,680 Speaker 1: to help us at a time like this, with so 44 00:03:07,760 --> 00:03:11,160 Speaker 1: much transition, And I feel responsibility to put people in 45 00:03:11,200 --> 00:03:14,080 Speaker 1: front of you who cannot only inspire you for a 46 00:03:14,080 --> 00:03:17,959 Speaker 1: few moments, but can really help you in a way 47 00:03:17,960 --> 00:03:20,120 Speaker 1: that you'll be talking about. My barber was cutting up 48 00:03:20,200 --> 00:03:24,679 Speaker 1: my hair today and he was like, tell Dave, you 49 00:03:24,800 --> 00:03:26,880 Speaker 1: change my life for me. Just tell him. Man. I 50 00:03:26,880 --> 00:03:28,120 Speaker 1: know you pray to hear that a lot, but on 51 00:03:28,200 --> 00:03:31,760 Speaker 1: behalf of all the people that you've helped and all 52 00:03:31,800 --> 00:03:33,360 Speaker 1: of the people who have been set free through what 53 00:03:33,440 --> 00:03:35,400 Speaker 1: God has given you. We honor you and thank you 54 00:03:35,520 --> 00:03:40,240 Speaker 1: for being a pioneer. He and his wife Sharon are here. 55 00:03:41,000 --> 00:03:44,800 Speaker 1: I said, Sharon, do you always travel with Dave? She 56 00:03:44,960 --> 00:03:50,200 Speaker 1: said no, I just wanted to come to elevation. She said. 57 00:03:50,200 --> 00:03:53,560 Speaker 1: The whole team is jealous back home that we're here, 58 00:03:54,120 --> 00:03:56,880 Speaker 1: so let's don't waste any time. I told him, you 59 00:03:56,960 --> 00:04:00,920 Speaker 1: had all day, come on around the world, come best 60 00:04:00,960 --> 00:04:21,720 Speaker 1: selling author Man of God, Dave recing goodness gracious, y'all. 61 00:04:21,720 --> 00:04:29,840 Speaker 1: I feel like a weaner in a steakhouse. So y'all 62 00:04:29,880 --> 00:04:34,920 Speaker 1: know Pastor Craig Rochelle, Pastor Stephen's friend of friend of mine. 63 00:04:34,920 --> 00:04:38,440 Speaker 1: I'm speaking for him next weekend, and I thought I 64 00:04:38,520 --> 00:04:41,679 Speaker 1: must be the oopa lumpa on the ripped pastor tour. 65 00:04:46,240 --> 00:04:51,600 Speaker 1: So Pastor Stephen he he and I started swapping texts 66 00:04:51,600 --> 00:04:54,520 Speaker 1: a few years ago. Sometimes when some of the fire 67 00:04:54,640 --> 00:04:57,839 Speaker 1: is flying, we'll just encourage each other. And sometimes when 68 00:04:57,880 --> 00:05:01,039 Speaker 1: his adrenaline goes down Sunday after noon after preaching bout 69 00:05:01,040 --> 00:05:03,240 Speaker 1: Sunday night, the texts start flying at my house. And 70 00:05:04,080 --> 00:05:06,320 Speaker 1: a few weeks ago I get a text and he says, uh, 71 00:05:07,839 --> 00:05:11,760 Speaker 1: you believe in free speech? I said yeah. He said, good, 72 00:05:11,800 --> 00:05:21,200 Speaker 1: I want you to give one on March twentieth. That 73 00:05:21,240 --> 00:05:26,360 Speaker 1: didn't happen, but it's a great job. So he's overly generous, 74 00:05:26,440 --> 00:05:29,800 Speaker 1: y'all know that. But God told me on Sundays I'm 75 00:05:29,800 --> 00:05:32,760 Speaker 1: not supposed to collect. I collect Monday through Friday, and 76 00:05:32,839 --> 00:05:35,120 Speaker 1: so life's pretty good for me. I'm doing all right, 77 00:05:35,160 --> 00:05:54,360 Speaker 1: I got financial peace, So all right, let's pray all God. 78 00:05:54,400 --> 00:05:59,000 Speaker 1: You know I can do these talks by myself and 79 00:05:59,120 --> 00:06:04,080 Speaker 1: sure are better when you Holy Spirit, this is your 80 00:06:04,120 --> 00:06:15,120 Speaker 1: time in Jesus' name. Amen, y'all have a seat. So 81 00:06:15,279 --> 00:06:18,760 Speaker 1: my wife and I will be married this coming summer 82 00:06:18,800 --> 00:06:26,840 Speaker 1: for forty years. Yeah. I told her if she leaves, 83 00:06:26,880 --> 00:06:33,200 Speaker 1: I'm going with her. When we got married, I don't 84 00:06:33,240 --> 00:06:38,040 Speaker 1: know about y'all, but we were stupid. We had no sense. 85 00:06:40,560 --> 00:06:43,520 Speaker 1: We didn't have anything like pre marriage counseling. We just 86 00:06:43,560 --> 00:06:49,520 Speaker 1: got hitched. We just got married, and nobody told us 87 00:06:49,680 --> 00:06:52,760 Speaker 1: to watch out for this or that, and they were 88 00:06:52,839 --> 00:06:55,480 Speaker 1: just happy to get rid of me and whatever. And 89 00:06:56,360 --> 00:06:58,400 Speaker 1: her dad is scared I was showing up and we 90 00:06:58,480 --> 00:07:04,880 Speaker 1: just got married. So I was a beer drinking, hell 91 00:07:05,040 --> 00:07:11,480 Speaker 1: raising hillbilly. And we've been married about two weeks. We 92 00:07:11,520 --> 00:07:14,960 Speaker 1: moved to Nashville and got our first little apartment. And 93 00:07:15,080 --> 00:07:20,000 Speaker 1: my wife wakes up on Sunday morning and remembers that 94 00:07:20,080 --> 00:07:26,280 Speaker 1: she's a Baptist. This is something she hadn't mentioned before. 95 00:07:27,680 --> 00:07:30,360 Speaker 1: We've been dating for a while. We hadn't talked about it, 96 00:07:30,360 --> 00:07:33,320 Speaker 1: this Jesus stuff. We certainly hadn't talked about her being 97 00:07:33,320 --> 00:07:37,640 Speaker 1: a Baptist, and she said, is Sunday morning? We're going 98 00:07:37,680 --> 00:07:42,520 Speaker 1: to church? And I said, no, we're not. You don't 99 00:07:42,560 --> 00:07:45,400 Speaker 1: go to church on Sunday. You drink beer and watch football. 100 00:07:46,560 --> 00:07:50,640 Speaker 1: What is wrong with you? Well she's real serious about this, 101 00:07:50,720 --> 00:07:53,360 Speaker 1: and of course we're in Nashville, y'all. It's the buckle 102 00:07:53,360 --> 00:07:56,200 Speaker 1: of the Bible belt, right, I mean there's more Baptists 103 00:07:56,200 --> 00:08:02,120 Speaker 1: there than people. And so we have a big fight 104 00:08:02,200 --> 00:08:05,920 Speaker 1: and she's crying and she storms out the door. Well 105 00:08:05,920 --> 00:08:09,080 Speaker 1: it didn't take her long to find her tribe, and 106 00:08:09,560 --> 00:08:12,440 Speaker 1: she starts attending this little Baptist church and these little 107 00:08:12,440 --> 00:08:20,360 Speaker 1: Baptist people praying for her heathen husband. Well this goes 108 00:08:20,400 --> 00:08:23,080 Speaker 1: on every Sunday for about six months, y'all. Be honest 109 00:08:23,080 --> 00:08:25,920 Speaker 1: with you, it wasn't going well. Every Sunday. We had 110 00:08:25,960 --> 00:08:28,400 Speaker 1: big fights. She storms out, crying, and I'm going, what 111 00:08:28,480 --> 00:08:31,280 Speaker 1: did I sign up for? Nobody told me about this? 112 00:08:32,400 --> 00:08:35,160 Speaker 1: And I got in one of these. I was twenty 113 00:08:35,160 --> 00:08:36,520 Speaker 1: two years old and I got in one of these 114 00:08:36,559 --> 00:08:39,000 Speaker 1: multi level things, you know, a thing where you make 115 00:08:39,000 --> 00:08:44,120 Speaker 1: all your friends mad. And one of my beer drinking 116 00:08:44,120 --> 00:08:45,640 Speaker 1: buddies on me, and there's a lot of beer in 117 00:08:45,679 --> 00:08:49,240 Speaker 1: this story. But we got in this thing, and we 118 00:08:49,240 --> 00:08:51,800 Speaker 1: were so dumb, y'all. We would go to happy Hour 119 00:08:52,320 --> 00:08:54,640 Speaker 1: and then go make sales calls and couldn't figure out 120 00:08:54,640 --> 00:08:57,400 Speaker 1: why we couldn't make a sale. This is how dumb 121 00:08:57,440 --> 00:09:01,440 Speaker 1: we were. And oh God, here on his other brother, Darryl. 122 00:09:02,040 --> 00:09:05,360 Speaker 1: And so we we're gonna get a yacht and we're 123 00:09:05,400 --> 00:09:07,360 Speaker 1: gonna be rich, and we're gonna do all this stuff. 124 00:09:07,360 --> 00:09:09,000 Speaker 1: And you know, we're living there twenty two years old. 125 00:09:09,040 --> 00:09:12,040 Speaker 1: We're gonna live the dream and all this, and and uh, 126 00:09:12,480 --> 00:09:14,680 Speaker 1: we were doing pretty good. But we decided to go 127 00:09:14,720 --> 00:09:17,240 Speaker 1: to one of their rallies, one of their sessions down 128 00:09:17,280 --> 00:09:20,320 Speaker 1: in Birmingham, Alabama, which is about two hours south of Nashville. 129 00:09:20,320 --> 00:09:21,560 Speaker 1: So we got in the car and drove to the 130 00:09:21,600 --> 00:09:26,920 Speaker 1: Alabama Theater in downtown Birmingham, which in my mind held 131 00:09:26,960 --> 00:09:29,920 Speaker 1: ten thousand people. I did an event there a while back. 132 00:09:29,960 --> 00:09:33,080 Speaker 1: It holds eight hundred. But you know how when you 133 00:09:33,080 --> 00:09:39,720 Speaker 1: grow up, things shrink. But and so you ever go 134 00:09:39,760 --> 00:09:42,000 Speaker 1: back to your grade school, how it gets smaller. Y'all 135 00:09:42,000 --> 00:09:45,240 Speaker 1: know what I'm talking about, right, And so, oh my gosh, 136 00:09:45,240 --> 00:09:48,880 Speaker 1: So the uh, anyway, we're up in the top row 137 00:09:48,920 --> 00:09:50,880 Speaker 1: of the very back balcony, me and him, and we're 138 00:09:50,920 --> 00:09:53,360 Speaker 1: taking notes all day long. These speakers are up there 139 00:09:53,480 --> 00:09:55,240 Speaker 1: charging us up of how we're gonna get rich and 140 00:09:55,280 --> 00:09:57,439 Speaker 1: all this stuff and get you a yacht. And there 141 00:09:57,520 --> 00:09:59,200 Speaker 1: was one guy at the end of the day who 142 00:09:59,360 --> 00:10:00,920 Speaker 1: was the dog. He was the one making like four 143 00:10:01,040 --> 00:10:02,960 Speaker 1: hundred thousand dollars a minute or whatever, you know, and 144 00:10:03,559 --> 00:10:06,559 Speaker 1: we wanted to be like him. And so we're kind 145 00:10:06,559 --> 00:10:09,600 Speaker 1: of waiting for the you know, the the apex of 146 00:10:09,600 --> 00:10:11,880 Speaker 1: the day, the crescendo of the day, right, And so 147 00:10:11,960 --> 00:10:14,880 Speaker 1: finally this guy gets up there, and we had written 148 00:10:14,920 --> 00:10:17,280 Speaker 1: down five or six questions that thought if we could 149 00:10:17,280 --> 00:10:20,040 Speaker 1: get the answer to these questions, we'd have a breakthrough. 150 00:10:20,600 --> 00:10:22,760 Speaker 1: Our little business would go boom we go, you know. 151 00:10:23,640 --> 00:10:25,840 Speaker 1: And so he gets up there and it says if 152 00:10:25,880 --> 00:10:31,360 Speaker 1: this guy had our questions as his outline, and we 153 00:10:31,480 --> 00:10:34,480 Speaker 1: already wanted to be him. But by the time he 154 00:10:34,559 --> 00:10:37,880 Speaker 1: finished reading our mail for an hour and we got 155 00:10:37,920 --> 00:10:40,800 Speaker 1: all of our questions answered, if he had told us 156 00:10:40,800 --> 00:10:43,679 Speaker 1: to eat a bag of dirt, we would have he 157 00:10:43,760 --> 00:10:45,920 Speaker 1: owned us, you all know what I'm saying. And he 158 00:10:45,960 --> 00:10:48,760 Speaker 1: was a good speaker too, and he gets to the end. 159 00:10:48,840 --> 00:10:50,640 Speaker 1: He goes, and there's one more thing, and we're like, no, 160 00:10:50,720 --> 00:10:53,520 Speaker 1: there isn't We got our five. He goes, if you 161 00:10:53,600 --> 00:10:58,160 Speaker 1: don't know this man named Jesus, you're going to struggle 162 00:10:59,120 --> 00:11:04,840 Speaker 1: in business because business people who are takers struggle. Business 163 00:11:04,840 --> 00:11:14,680 Speaker 1: people who add value in her givers always win. And 164 00:11:14,720 --> 00:11:18,360 Speaker 1: he said Jesus. He said, Jesus will teach you how 165 00:11:18,400 --> 00:11:20,320 Speaker 1: to do relationships. And if you're gonna be in business, 166 00:11:20,320 --> 00:11:22,880 Speaker 1: you have to learn how to do relationships. And I'm 167 00:11:22,880 --> 00:11:24,600 Speaker 1: looking at my buddy and we're going I have no 168 00:11:24,640 --> 00:11:26,560 Speaker 1: idea what he's talking about. And I asked my buddy, 169 00:11:26,600 --> 00:11:28,960 Speaker 1: I said, you think he's been talking to my wife. 170 00:11:30,760 --> 00:11:33,040 Speaker 1: And so we go back to the little holiday inn 171 00:11:33,080 --> 00:11:34,800 Speaker 1: or whatever it was, and in the night stand we 172 00:11:34,880 --> 00:11:38,800 Speaker 1: find a Bible and it's a Gideon's Bible, right old 173 00:11:38,880 --> 00:11:44,880 Speaker 1: King James, Yeah, Shakespeare and Jesus. The chances of these 174 00:11:44,880 --> 00:11:50,440 Speaker 1: two rednecks figuring this out is zero. We closed it 175 00:11:51,120 --> 00:11:52,800 Speaker 1: blind leading the blind. But we went home. I told 176 00:11:52,840 --> 00:11:54,440 Speaker 1: my wife, I said we're going to church, and she said, 177 00:11:54,440 --> 00:11:55,840 Speaker 1: who are you? And what have you done? My husband? 178 00:11:57,520 --> 00:11:59,480 Speaker 1: And so we went to some of the churches around 179 00:11:59,559 --> 00:12:05,679 Speaker 1: and these folk, they're not having fun. The place looks 180 00:12:05,720 --> 00:12:07,199 Speaker 1: like it was weaned on a pickle. Y'all know what 181 00:12:07,280 --> 00:12:13,480 Speaker 1: I'm talking about. It's just it's awful. And but we 182 00:12:13,520 --> 00:12:15,199 Speaker 1: went in the back of this little church about three 183 00:12:15,240 --> 00:12:17,640 Speaker 1: four hundred people. It ended up growing to eight thousand 184 00:12:17,640 --> 00:12:23,319 Speaker 1: people later. And you know how you do when you're 185 00:12:23,360 --> 00:12:25,600 Speaker 1: visiting a church. You sit on the back row in 186 00:12:25,600 --> 00:12:27,360 Speaker 1: case it gets weird. You can hit a jack right, 187 00:12:27,920 --> 00:12:29,480 Speaker 1: y'all know what I'm talking about. And so we were 188 00:12:29,480 --> 00:12:31,960 Speaker 1: on the back row. And this is a long time ago, 189 00:12:32,000 --> 00:12:35,040 Speaker 1: y'all mean, it's almost thirty five years ago. And back 190 00:12:35,080 --> 00:12:37,560 Speaker 1: then people didn't raise their hands except in weird churches, 191 00:12:38,400 --> 00:12:40,320 Speaker 1: you know. And we're in there and this woman in 192 00:12:40,360 --> 00:12:42,280 Speaker 1: the choir pops her hand up like she knows the 193 00:12:42,320 --> 00:12:46,000 Speaker 1: answer to some question, and then another one, and then 194 00:12:46,040 --> 00:12:48,680 Speaker 1: they start doing this. I told sheeron, I said, if 195 00:12:48,679 --> 00:12:54,600 Speaker 1: they get snakes out, I'm out of here. And that 196 00:12:54,679 --> 00:12:58,000 Speaker 1: pastor was a man's man. I thought Christians were whishes 197 00:12:58,040 --> 00:13:00,760 Speaker 1: and he was a man, and he stood up. He 198 00:13:00,760 --> 00:13:03,160 Speaker 1: would say stuff like and this is what the Bible says. 199 00:13:03,600 --> 00:13:05,319 Speaker 1: And if you don't agree with that, you're what's known 200 00:13:05,400 --> 00:13:11,480 Speaker 1: is wrong. I like this guy. And this was old 201 00:13:11,520 --> 00:13:13,160 Speaker 1: school church. As I said, there was only about three 202 00:13:13,240 --> 00:13:15,400 Speaker 1: hundred folks in that church when we started there. And 203 00:13:15,760 --> 00:13:18,040 Speaker 1: they'd stand at the back door and you'd go out 204 00:13:18,080 --> 00:13:20,400 Speaker 1: in the line, and the pastor would shake everybody's hand. 205 00:13:20,480 --> 00:13:23,560 Speaker 1: And his wife was a big, squishy woman. She'd give 206 00:13:23,600 --> 00:13:27,800 Speaker 1: you a big grandma hug, you know. And that woman's 207 00:13:28,400 --> 00:13:31,200 Speaker 1: grace flowed off of her when she hugged you and 208 00:13:31,200 --> 00:13:33,440 Speaker 1: looked at you and she said, I love you. Made 209 00:13:33,480 --> 00:13:35,800 Speaker 1: you believe she really did love you, because she did. 210 00:13:37,559 --> 00:13:41,960 Speaker 1: And his strength and grace and mercy led me the Lord, 211 00:13:42,000 --> 00:13:45,000 Speaker 1: and I got baptizem met God there. It changed my 212 00:13:45,120 --> 00:13:58,040 Speaker 1: whole life. I do everything backwards. I left that little 213 00:13:58,080 --> 00:14:00,240 Speaker 1: multi level thing real quickly in the middle. I was 214 00:14:00,240 --> 00:14:01,920 Speaker 1: just in there for about twenty minutes, it feel like. 215 00:14:01,960 --> 00:14:04,160 Speaker 1: And I started buying and selling real estate, and I 216 00:14:04,200 --> 00:14:08,240 Speaker 1: got rich, at least by a kid from antiox standards. 217 00:14:08,280 --> 00:14:10,120 Speaker 1: I started with nothing, and by the time I was 218 00:14:10,120 --> 00:14:12,040 Speaker 1: twenty six, I had a a little over four million 219 00:14:12,040 --> 00:14:13,600 Speaker 1: dollars worth of real estate, a little over a million 220 00:14:13,640 --> 00:14:15,599 Speaker 1: dollar net worth, and I was making two hundred and 221 00:14:15,600 --> 00:14:18,640 Speaker 1: fifty thousand dollars a year twenty thousand dollars a month 222 00:14:18,679 --> 00:14:21,120 Speaker 1: in nineteen eighty two. I don't know where you come from, 223 00:14:21,120 --> 00:14:22,960 Speaker 1: but we called that rich where I grew up. And 224 00:14:24,080 --> 00:14:29,160 Speaker 1: I gotta tell y'all, it was fun. It was really fun. 225 00:14:29,880 --> 00:14:33,000 Speaker 1: I mean sharing what she got. Likes those little sparkly things. 226 00:14:33,000 --> 00:14:34,600 Speaker 1: So we got her some and they weren't big enough, 227 00:14:34,640 --> 00:14:37,880 Speaker 1: and so we got her some more. And y'all, we 228 00:14:37,920 --> 00:14:45,720 Speaker 1: went to Hawaii Rednecks in Hawaii. Oh my, it was 229 00:14:45,800 --> 00:14:51,600 Speaker 1: so nice, y'all. We went back and I had that 230 00:14:51,680 --> 00:14:53,960 Speaker 1: car always wanted. You had that car you always wanted, 231 00:14:54,000 --> 00:14:57,720 Speaker 1: like someday, right, So I got me a Jaguar Man 232 00:14:58,280 --> 00:15:02,200 Speaker 1: because nobody in my ol neighborhood cold spell Jaguar much 233 00:15:02,240 --> 00:15:05,280 Speaker 1: less had one, right, So I got me a Jaguar Man. 234 00:15:05,280 --> 00:15:08,480 Speaker 1: About ninety days, I was a Jaguar, right. You know, 235 00:15:08,520 --> 00:15:14,600 Speaker 1: it's like right, I mean, it's like, oh man, we 236 00:15:14,720 --> 00:15:19,920 Speaker 1: were having fun, y'all. Now, I am not shallow enough 237 00:15:20,920 --> 00:15:26,560 Speaker 1: or theologically deprived enough to think that money is going 238 00:15:26,600 --> 00:15:29,600 Speaker 1: to make you happy. As a matter of fact, I'm 239 00:15:29,760 --> 00:15:35,160 Speaker 1: positive at won't. After teaching God's ways of handling money 240 00:15:35,160 --> 00:15:40,040 Speaker 1: for thirty plus years, now, I do know that money 241 00:15:40,040 --> 00:15:44,840 Speaker 1: will make you more of what you already are. If 242 00:15:44,920 --> 00:15:48,120 Speaker 1: you are depressed and you get money, it's not gonna 243 00:15:48,120 --> 00:15:51,960 Speaker 1: go well if you don't deal with the depression. If 244 00:15:52,000 --> 00:15:54,480 Speaker 1: you got a drug problem and you get money, you 245 00:15:54,920 --> 00:15:58,440 Speaker 1: got a drug problem. I mean, if you got a 246 00:15:58,480 --> 00:16:04,960 Speaker 1: temper and you get money, who tyrant on parade? You 247 00:16:05,040 --> 00:16:09,800 Speaker 1: got a big, gentle, compassionate heart and you get money, 248 00:16:10,240 --> 00:16:19,800 Speaker 1: you can change the world. Whatever you are, and you 249 00:16:19,840 --> 00:16:23,440 Speaker 1: get money, it's going to magnify it. So beware of that. 250 00:16:23,480 --> 00:16:27,640 Speaker 1: It's not going to solve your problems. There's all kinds 251 00:16:27,680 --> 00:16:31,240 Speaker 1: of data points all throughout our culture that prove that. 252 00:16:31,320 --> 00:16:34,680 Speaker 1: You can see people who didn't have it and they 253 00:16:34,720 --> 00:16:39,200 Speaker 1: got money and it messed up their lives. Money makes 254 00:16:39,200 --> 00:16:41,960 Speaker 1: you more of what you already are. And by the way, 255 00:16:42,520 --> 00:16:46,280 Speaker 1: if it makes your people around you more what they 256 00:16:46,280 --> 00:16:50,120 Speaker 1: are too, Like people in your family, like the crazy ones, 257 00:16:51,640 --> 00:16:57,240 Speaker 1: they get crazy, and everybody's got crazy in their family. 258 00:16:58,280 --> 00:17:00,240 Speaker 1: And if you don't think you got crazy in your family, 259 00:17:00,320 --> 00:17:09,280 Speaker 1: that means it's you. So we're cruising along doing really 260 00:17:09,320 --> 00:17:12,240 Speaker 1: good things. Life is good. We're in our twenties. We 261 00:17:12,280 --> 00:17:15,080 Speaker 1: meet Jesus on the way up. I do everything backwards 262 00:17:15,119 --> 00:17:18,400 Speaker 1: and man life. You know, we've got babies and oh 263 00:17:18,480 --> 00:17:23,199 Speaker 1: my goodness, things are good. And I had done some 264 00:17:23,359 --> 00:17:28,200 Speaker 1: stupid things. How many y'all ever done something stupid with money? 265 00:17:28,520 --> 00:17:29,879 Speaker 1: How many of you didn't raise your hand to have 266 00:17:29,920 --> 00:17:34,600 Speaker 1: a problem with lying? We all have, darling. If you've 267 00:17:34,600 --> 00:17:39,600 Speaker 1: made mistakes with money, that makes you over twelve. Only 268 00:17:39,600 --> 00:17:41,439 Speaker 1: I did it was zeros on the end. As I 269 00:17:41,480 --> 00:17:44,520 Speaker 1: told you, I borrowed a ton of money. We had 270 00:17:44,520 --> 00:17:46,000 Speaker 1: a million dollar net worth, but we had three million 271 00:17:46,000 --> 00:17:47,920 Speaker 1: dollars in debt, and we were doing flip this house 272 00:17:48,000 --> 00:17:52,040 Speaker 1: before Chip and Joanna were born. Okay, so for cable 273 00:17:52,040 --> 00:17:53,800 Speaker 1: TV was there to tell you how to do it right. 274 00:17:53,880 --> 00:17:55,959 Speaker 1: And so we were doing flip this house. I had 275 00:17:55,960 --> 00:17:57,640 Speaker 1: a lot of short term notes and the bank got 276 00:17:57,680 --> 00:17:59,840 Speaker 1: sold to another bank, and a guy in another city 277 00:18:00,080 --> 00:18:02,159 Speaker 1: down said, there's a kid twenty six years old. I was, 278 00:18:02,160 --> 00:18:05,680 Speaker 1: that's a million dollars million two to be exact, let's 279 00:18:05,800 --> 00:18:11,359 Speaker 1: limit this relationship, which is banker talk for ruin his life. 280 00:18:11,560 --> 00:18:14,280 Speaker 1: And then they called our notes. And the short version 281 00:18:14,280 --> 00:18:16,320 Speaker 1: of the story is another lender heard we were in trouble, 282 00:18:16,320 --> 00:18:19,480 Speaker 1: because we were in trouble after that, and they called 283 00:18:19,480 --> 00:18:21,399 Speaker 1: our notes and we had two million dollars due in 284 00:18:21,400 --> 00:18:23,919 Speaker 1: one hundred and twenty days, all tied up in real estate. 285 00:18:25,000 --> 00:18:28,080 Speaker 1: That started a crash that took two and a half 286 00:18:28,160 --> 00:18:31,359 Speaker 1: years to unfold. That no matter what I did, I 287 00:18:31,400 --> 00:18:34,919 Speaker 1: couldn't stop it. I was always taught, if you have 288 00:18:34,960 --> 00:18:38,440 Speaker 1: a problem, just work harder. Doesn't matter if you dug 289 00:18:38,480 --> 00:18:40,560 Speaker 1: that dig a hole. When you got that level of stupid, 290 00:18:40,560 --> 00:18:43,520 Speaker 1: working harder won't fix it. It was coming down around 291 00:18:43,560 --> 00:18:47,199 Speaker 1: my head. The jangle blocks were crashing. It was a mess. 292 00:18:47,840 --> 00:18:50,920 Speaker 1: I had built a house of cards because I was stupid. 293 00:18:51,000 --> 00:18:52,760 Speaker 1: I didn't know I was stupid. I thought I was smart, 294 00:18:52,800 --> 00:19:01,520 Speaker 1: but I was stupid. Changed my life. I remember standing 295 00:19:01,520 --> 00:19:04,480 Speaker 1: in the shower with it sahat. I could just barely 296 00:19:04,520 --> 00:19:07,359 Speaker 1: stand there, and I would just stand there and cry. 297 00:19:08,200 --> 00:19:16,840 Speaker 1: I was so scared I couldn't breathe. I have a 298 00:19:16,880 --> 00:19:20,480 Speaker 1: toddler and a brand new baby. My marriage is hanging 299 00:19:20,480 --> 00:19:25,000 Speaker 1: on by a thread. Sharing's from the hills Ofpes, Tennessee. 300 00:19:25,119 --> 00:19:42,679 Speaker 1: Y'all frying pan throwing there is an Olympic event. And 301 00:19:42,720 --> 00:19:49,119 Speaker 1: finally we hit bottom file bankruptcy. So I met God 302 00:19:50,960 --> 00:19:53,960 Speaker 1: on the way up. But Church, I'm here to tell 303 00:19:53,960 --> 00:19:55,400 Speaker 1: you I got to know him on the way down. 304 00:20:03,359 --> 00:20:05,439 Speaker 1: I had already been saved, i'd already been baptized, but 305 00:20:05,480 --> 00:20:09,919 Speaker 1: I had an eye surrender all moment. And I'm not 306 00:20:09,920 --> 00:20:12,960 Speaker 1: talking about a Baptist alter call. I'm talking about ever 307 00:20:13,040 --> 00:20:15,440 Speaker 1: been completely on your face and you say I quit, 308 00:20:15,680 --> 00:20:21,879 Speaker 1: I give I surrender. You are now the Lord, you 309 00:20:21,960 --> 00:20:32,120 Speaker 1: are now in charge. I apparently got nothing. I hope 310 00:20:32,119 --> 00:20:34,399 Speaker 1: you never have to get beat up that hard to 311 00:20:34,440 --> 00:20:37,119 Speaker 1: get to that point, because that's a heart decision, and 312 00:20:37,160 --> 00:20:41,720 Speaker 1: you could just make that decision. But I started deciding, Okay, 313 00:20:41,760 --> 00:20:43,919 Speaker 1: if it's in here, it's real, and the rest of 314 00:20:43,960 --> 00:20:47,639 Speaker 1: the stuff I'm not listening to because I listened to 315 00:20:47,720 --> 00:20:50,760 Speaker 1: my finance professor in college who taught me to borrow money, 316 00:20:51,280 --> 00:20:56,040 Speaker 1: and he was broke. What's wrong with that picture? I mean, 317 00:20:56,320 --> 00:21:00,640 Speaker 1: that's like a shop teacher with missing fingers, right, broke 318 00:21:00,720 --> 00:21:09,680 Speaker 1: finance professor. So I'm gonna learn how to live because 319 00:21:09,720 --> 00:21:11,359 Speaker 1: I didn't know how to be a husband. I didn't 320 00:21:11,359 --> 00:21:12,600 Speaker 1: know how to be a daddy. I didn't know how 321 00:21:12,600 --> 00:21:16,840 Speaker 1: to be a man. And so I'm you know, marriage, 322 00:21:16,880 --> 00:21:24,280 Speaker 1: so submit yourselves one to another. Oh crud. That means 323 00:21:24,280 --> 00:21:31,520 Speaker 1: I gotta dry dishes. That means I'm gonna serve my 324 00:21:31,600 --> 00:21:35,520 Speaker 1: wife who can find a virtuous wife, for her worth 325 00:21:35,600 --> 00:21:38,720 Speaker 1: is far above rubies. The heart of her husband safely 326 00:21:39,320 --> 00:21:45,520 Speaker 1: trusts her, and he will have no lack of game. 327 00:21:50,880 --> 00:21:53,399 Speaker 1: My kids are like, Dad, what's this rod stuff? And 328 00:21:53,440 --> 00:22:01,040 Speaker 1: I'm like, come, everybody, I'll show you only five hundred 329 00:22:01,080 --> 00:22:06,000 Speaker 1: scriptures dealing with money and possessions. Proverbs alone will give 330 00:22:06,040 --> 00:22:11,240 Speaker 1: you a master's degree in finance. It'll show you everything 331 00:22:11,240 --> 00:22:13,359 Speaker 1: you need to know. And it's not just a Bible thumper. 332 00:22:14,080 --> 00:22:16,080 Speaker 1: You can study that with your intellect as well as 333 00:22:16,119 --> 00:22:20,959 Speaker 1: with your spirit, and you'll see it. It's there. So 334 00:22:21,000 --> 00:22:24,000 Speaker 1: we hit bottom and we have the opportunity to start 335 00:22:24,040 --> 00:22:29,360 Speaker 1: again God's ways and we decided, Okay, we're gonna start 336 00:22:29,359 --> 00:22:38,720 Speaker 1: handling money, marriage, leadership, business kids. If I can find 337 00:22:38,760 --> 00:22:40,400 Speaker 1: it in here, this is the way we're doing it. 338 00:22:41,600 --> 00:22:43,520 Speaker 1: I can't always find it. Insurance isn't in here. I 339 00:22:43,520 --> 00:22:47,640 Speaker 1: can't find it, but I still buy insurance. So it's 340 00:22:47,680 --> 00:22:49,960 Speaker 1: not everything's in there, But I'm gonna do it if 341 00:22:50,000 --> 00:22:52,520 Speaker 1: I can. And you know what, that's thirty five years ago, y'all, 342 00:22:52,760 --> 00:22:56,400 Speaker 1: And thirty years ago we went broke and it's worked out. 343 00:23:00,160 --> 00:23:05,440 Speaker 1: Oh my goodness. As it worked out, Oh my goodness. 344 00:23:06,440 --> 00:23:10,280 Speaker 1: It turns out that God's ways of doing things work. Hello, 345 00:23:11,320 --> 00:23:16,560 Speaker 1: they work. So I got a bunch of I got 346 00:23:16,560 --> 00:23:18,639 Speaker 1: we got yesterday. I looked at our thing. We've got 347 00:23:18,640 --> 00:23:21,240 Speaker 1: eleven hundred and sixty two I'm sorry, one thousand and 348 00:23:21,280 --> 00:23:24,120 Speaker 1: sixty two people working on our team right now as 349 00:23:24,160 --> 00:23:26,359 Speaker 1: a Friday, or as of Monday morning. We got thirteen 350 00:23:26,400 --> 00:23:29,840 Speaker 1: more starting Monday morning. And Ramsey Solutions have turned into 351 00:23:29,840 --> 00:23:32,160 Speaker 1: this thing. And it's a process over these years teaching 352 00:23:32,160 --> 00:23:35,080 Speaker 1: people how to handle money. Now, fifty thousand churches have 353 00:23:35,160 --> 00:23:38,719 Speaker 1: taught almost ten million people financial Peace University alone. I mean, 354 00:23:38,760 --> 00:23:43,639 Speaker 1: it blows my mind what God has chosen to do, 355 00:23:43,720 --> 00:23:45,280 Speaker 1: he says. I says in the Bible will speak to 356 00:23:45,359 --> 00:23:52,959 Speaker 1: a donkey apparently, so we're in. I'm in. This is good. So, 357 00:23:52,960 --> 00:23:54,680 Speaker 1: so I got a bunch of youngsters on the team. 358 00:23:54,760 --> 00:23:58,200 Speaker 1: And I love our youngsters. They're brilliant. The average agent 359 00:23:58,240 --> 00:24:01,000 Speaker 1: our team's about twenty seven. People hate this millennial generation. 360 00:24:01,040 --> 00:24:04,760 Speaker 1: I gotta tell you, millennials are amazing. I love the 361 00:24:04,800 --> 00:24:09,440 Speaker 1: millennial generation because there's only two kinds. Awesome and sucks. 362 00:24:10,119 --> 00:24:15,560 Speaker 1: I mean, it's just they either will missional driven bright, 363 00:24:15,760 --> 00:24:17,960 Speaker 1: will charge the gates of Hell with a water pistol, 364 00:24:18,280 --> 00:24:20,480 Speaker 1: or they're living in their mother's basement. They ain't leaving. 365 00:24:20,520 --> 00:24:24,200 Speaker 1: You know. It's one of the two. So we we 366 00:24:24,359 --> 00:24:26,840 Speaker 1: got them on our team that are missional driven, smarter 367 00:24:26,960 --> 00:24:29,680 Speaker 1: than me, say words and meetings, I have to stop 368 00:24:29,720 --> 00:24:31,920 Speaker 1: them and go, I'm sorry, but I'm pretty comfortable with 369 00:24:31,920 --> 00:24:33,640 Speaker 1: my own skin on the place, would you just say? 370 00:24:34,000 --> 00:24:39,560 Speaker 1: And so, I mean, they're smart, but sometimes Papa Dave, 371 00:24:39,600 --> 00:24:41,399 Speaker 1: I have to I have to lead. And I was 372 00:24:41,440 --> 00:24:43,480 Speaker 1: coming by one of them and he was doing the 373 00:24:43,520 --> 00:24:46,560 Speaker 1: stuff he was supposed to be doing wrong, and I 374 00:24:46,600 --> 00:24:49,200 Speaker 1: was like, hey, that's not don't do it. Do it 375 00:24:49,240 --> 00:24:51,280 Speaker 1: this way. That's that's not how we do it here 376 00:24:51,280 --> 00:24:53,600 Speaker 1: at Ramsey. This is this is the thing. It's an 377 00:24:53,600 --> 00:24:56,720 Speaker 1: excellence thing. You gotta do it right. And he's like okay. 378 00:24:56,920 --> 00:24:58,600 Speaker 1: And I come back about a week later and he's 379 00:24:58,720 --> 00:25:04,359 Speaker 1: doing it wrong again. I'm like, hey, hey, nah, we 380 00:25:04,440 --> 00:25:05,840 Speaker 1: do it here, we do it this way. We have 381 00:25:05,880 --> 00:25:07,479 Speaker 1: talked about this. Yeah, I know, I know, I know. 382 00:25:07,920 --> 00:25:11,359 Speaker 1: I come back a week later, he's doing it wrong again, 383 00:25:12,680 --> 00:25:14,879 Speaker 1: and I'm like, hey, we're gonna set you free in 384 00:25:15,000 --> 00:25:18,520 Speaker 1: Jesus name. Okay, I mean there's one I'm telling you 385 00:25:18,600 --> 00:25:21,679 Speaker 1: how to do this. And he looks at me and 386 00:25:21,680 --> 00:25:32,000 Speaker 1: he says, I'm not like you. And I said, okay, change. 387 00:25:32,800 --> 00:25:35,480 Speaker 1: You don't have to be like me, but you gotta 388 00:25:35,520 --> 00:25:40,000 Speaker 1: do it like I do it. This is the right way, 389 00:25:40,280 --> 00:25:44,640 Speaker 1: do it, this way. Change. And you know God does 390 00:25:44,680 --> 00:25:47,000 Speaker 1: that with us. There's the thing in Christianity. If we're 391 00:25:47,000 --> 00:25:52,679 Speaker 1: going the wrong way on something, God says stop. This 392 00:25:52,800 --> 00:25:56,600 Speaker 1: is called sin going this way or stupid going this way. 393 00:25:57,280 --> 00:26:00,240 Speaker 1: And sometimes they're the same thing. And we're going this way, 394 00:26:00,280 --> 00:26:06,320 Speaker 1: and then God says stop, and we turn change and 395 00:26:06,400 --> 00:26:08,920 Speaker 1: we go the other way. It's called repentance in Christianity, 396 00:26:09,000 --> 00:26:11,800 Speaker 1: isn't it I was going the wrong way, I repent, 397 00:26:11,880 --> 00:26:16,040 Speaker 1: I stop, I change direction. This isn't working. Continuing to 398 00:26:16,080 --> 00:26:18,560 Speaker 1: do the same thing over and over again and expecting 399 00:26:18,560 --> 00:26:25,719 Speaker 1: a different result is the definition of insanity. Stop and change. 400 00:26:26,640 --> 00:26:31,360 Speaker 1: And you know what, He gives us the dignity and 401 00:26:31,400 --> 00:26:37,360 Speaker 1: the power of choice that we can just decide change. 402 00:26:37,600 --> 00:26:41,680 Speaker 1: You ever met someone that just quit smoking. I have. 403 00:26:42,560 --> 00:26:44,680 Speaker 1: They didn't have anything, they didn't do any kind of 404 00:26:44,680 --> 00:26:46,320 Speaker 1: program and It's okay if you did a program and whatever, 405 00:26:46,359 --> 00:26:48,359 Speaker 1: that's fine. But they just they just said, I'm not 406 00:26:48,440 --> 00:26:52,840 Speaker 1: in anyone. I just quit. I've met people like that now. 407 00:26:52,840 --> 00:26:54,480 Speaker 1: A lot of people do other stuff that's okay, But 408 00:26:54,560 --> 00:26:58,479 Speaker 1: you can just with some things. It's certainly behaviors that 409 00:26:58,520 --> 00:27:01,720 Speaker 1: we're doing. I can just I'm not saying that's my 410 00:27:01,760 --> 00:27:05,440 Speaker 1: wife ever again. I'm just gonna change. It didn't work 411 00:27:05,480 --> 00:27:08,680 Speaker 1: well when I said it last night. I'm not doing 412 00:27:08,720 --> 00:27:12,040 Speaker 1: that again. So thank god the poor woman is not 413 00:27:12,119 --> 00:27:15,040 Speaker 1: married to the same guy she married forty years ago. 414 00:27:15,359 --> 00:27:19,280 Speaker 1: Because I get the opportunity to change, and I haven't arrived, 415 00:27:19,720 --> 00:27:26,360 Speaker 1: but I'm considerably bad because I've had the opportunity to change. 416 00:27:27,480 --> 00:27:29,760 Speaker 1: And it's a decision. You get to decide. No one 417 00:27:29,800 --> 00:27:32,800 Speaker 1: decides that for you. Pastor doesn't decide it. Dave Ramsey 418 00:27:32,800 --> 00:27:35,480 Speaker 1: doesn't decide it. You know, no one in Washington, d c. 419 00:27:35,720 --> 00:27:39,360 Speaker 1: For sure decides it for you. You get to decide 420 00:27:40,560 --> 00:27:43,960 Speaker 1: when you're gonna change. God won't even make you do it. 421 00:27:43,960 --> 00:27:45,679 Speaker 1: He'll make you wish you did, but he will not 422 00:27:45,840 --> 00:27:54,120 Speaker 1: make you do it. So there's five things that are 423 00:27:54,200 --> 00:27:57,159 Speaker 1: baseline in all the data that we have, and the 424 00:27:57,240 --> 00:27:59,920 Speaker 1: millions and millions of families we've interacted with that have 425 00:28:00,560 --> 00:28:06,040 Speaker 1: changed and moved from high stress, broke horrible situation with 426 00:28:06,119 --> 00:28:10,919 Speaker 1: money to becoming wealthy over time. And this is not 427 00:28:11,480 --> 00:28:14,359 Speaker 1: this is not some kind of magical thing. This is 428 00:28:14,359 --> 00:28:17,200 Speaker 1: pretty much like if you want corn, you should plant 429 00:28:17,359 --> 00:28:23,840 Speaker 1: some corn. If you're a farmer, you don't go out 430 00:28:23,880 --> 00:28:27,880 Speaker 1: and pray over the mud. You put corn in the ground, 431 00:28:28,359 --> 00:28:33,280 Speaker 1: you weed fertilized, and then you reap what you have sung. 432 00:28:35,720 --> 00:28:38,040 Speaker 1: So you know, sometimes I meet my brothers sisters in 433 00:28:38,080 --> 00:28:45,080 Speaker 1: Christ who have been oversaved and they're just standing over 434 00:28:45,120 --> 00:28:50,240 Speaker 1: the mud praying. Saint Ambrose said, work like it all 435 00:28:50,320 --> 00:28:52,760 Speaker 1: depends on you. Pray like it all depends on God. 436 00:28:53,320 --> 00:28:57,120 Speaker 1: Where our faith meets our faithfulness is where all things 437 00:28:57,120 --> 00:29:03,640 Speaker 1: are unleashed. You gotta be faithful in the little things, 438 00:29:03,680 --> 00:29:05,000 Speaker 1: and then you'll be giving more to manager. You ever 439 00:29:05,040 --> 00:29:08,440 Speaker 1: read that scripture? And so you know the first thing 440 00:29:08,480 --> 00:29:10,320 Speaker 1: we gotta do all these five things. You start doing 441 00:29:10,320 --> 00:29:14,480 Speaker 1: these five things, they will not fix your life. By Friday. 442 00:29:15,080 --> 00:29:17,640 Speaker 1: It won't happen. We I'll tell you what will happen. 443 00:29:17,760 --> 00:29:22,120 Speaker 1: You'll walk a little straighter. It's like all of a sudden, 444 00:29:23,440 --> 00:29:26,880 Speaker 1: you'll think a little clearer about the future. Instead of 445 00:29:26,960 --> 00:29:31,040 Speaker 1: thank God, it's Friday, Oh God, it's Monday. And instead 446 00:29:31,040 --> 00:29:32,640 Speaker 1: of saying, thank god it's Friday, Oh guy's Monday, you 447 00:29:32,680 --> 00:29:34,840 Speaker 1: start thinking about ten years out. Because where there is 448 00:29:34,880 --> 00:29:42,400 Speaker 1: no vision, the people perish. You want corn, you gotta 449 00:29:42,400 --> 00:29:45,000 Speaker 1: have a vision. Put corn the ground and it'll be 450 00:29:45,080 --> 00:29:48,560 Speaker 1: spring before you see it, dron that far and befall 451 00:29:48,640 --> 00:29:52,160 Speaker 1: before you get corn. So if you want microwave, you 452 00:29:52,200 --> 00:29:54,040 Speaker 1: probably shouldn't talk to God because he's more in the 453 00:29:54,120 --> 00:30:00,520 Speaker 1: crock pot business. Occasionally he just microwaves it, but that's seldom, 454 00:30:00,560 --> 00:30:04,280 Speaker 1: and we call those miracles because they're seldom. Most of 455 00:30:04,320 --> 00:30:07,640 Speaker 1: the time he's dealing with us to get us right, 456 00:30:08,120 --> 00:30:09,720 Speaker 1: and then the corn comes in and we got the 457 00:30:09,800 --> 00:30:13,680 Speaker 1: muscles to carry it. Most of the time, that's what's 458 00:30:13,720 --> 00:30:18,720 Speaker 1: going on. There's a process, in other words, that's vitally important. 459 00:30:18,760 --> 00:30:19,840 Speaker 1: The first thing you gotta do if you want to 460 00:30:19,840 --> 00:30:21,320 Speaker 1: win with money is you have to get on a budget, 461 00:30:22,080 --> 00:30:25,520 Speaker 1: a written game plan. Jesus said, don't build a tower 462 00:30:25,560 --> 00:30:27,920 Speaker 1: without first counting the cost, lest you get halfway up, 463 00:30:28,040 --> 00:30:30,080 Speaker 1: And all who see you began to mock you and 464 00:30:30,120 --> 00:30:36,440 Speaker 1: say this man began to build and was unable to finish. 465 00:30:36,800 --> 00:30:38,760 Speaker 1: My friend's exiglar used to say, if you aim at nothing, 466 00:30:38,760 --> 00:30:42,120 Speaker 1: you'll hit it every time. My friend John Maxwell says, 467 00:30:42,160 --> 00:30:44,080 Speaker 1: a budget is people telling their money what to do 468 00:30:44,360 --> 00:30:49,120 Speaker 1: instead of wondering where it went. If you manage money 469 00:30:49,160 --> 00:30:51,240 Speaker 1: for a company called You Incorporated, and you manage money 470 00:30:51,240 --> 00:30:53,040 Speaker 1: for you Incorporated the way you manage money for you, 471 00:30:53,080 --> 00:30:57,960 Speaker 1: now would you fire You don't answer that if you're 472 00:30:58,000 --> 00:31:01,960 Speaker 1: not a faithful steward. We have a clear example in 473 00:31:02,000 --> 00:31:04,120 Speaker 1: the parable the Talents that God is going to take 474 00:31:04,160 --> 00:31:06,120 Speaker 1: the money from you and give it to the one 475 00:31:06,160 --> 00:31:09,320 Speaker 1: who did manage it well, the one who planted corn 476 00:31:09,600 --> 00:31:12,400 Speaker 1: and tended to the field instead of stood back and 477 00:31:12,440 --> 00:31:19,480 Speaker 1: watched it rain on the mud. Please don't be disorganized, 478 00:31:19,920 --> 00:31:23,840 Speaker 1: living chaotically and impulsively with the maturity of a four 479 00:31:23,920 --> 00:31:26,720 Speaker 1: year old on the cereal isle, having a fit on purchases, 480 00:31:28,120 --> 00:31:30,320 Speaker 1: and then expect God to bless it. When you say, Lord, 481 00:31:30,360 --> 00:31:33,440 Speaker 1: send me money, he will not send you money. It's 482 00:31:33,440 --> 00:31:37,880 Speaker 1: in scripture. Faithful with the little things, then I will 483 00:31:37,920 --> 00:31:40,520 Speaker 1: give you more. My son's a grown man now. He's 484 00:31:40,560 --> 00:31:43,720 Speaker 1: an executive on our team and is an absolutely fabulous, 485 00:31:43,720 --> 00:31:45,680 Speaker 1: world class leader. When he was a kid, he was 486 00:31:45,720 --> 00:31:47,880 Speaker 1: fourteen years old. He comes in one day he says, Daddy, 487 00:31:47,920 --> 00:31:50,720 Speaker 1: I want a new Corvette when I turned sixteen, and 488 00:31:50,760 --> 00:31:56,920 Speaker 1: I said no, because I'm a loving father. I've seen 489 00:31:56,960 --> 00:32:01,560 Speaker 1: you drive. You're incompetent. If I put you in a 490 00:32:01,600 --> 00:32:05,320 Speaker 1: four hundred horse power fiberglass body zero to sixty and 491 00:32:05,360 --> 00:32:10,000 Speaker 1: two point seven seconds, you'll kill yourself and someone else. No, 492 00:32:11,040 --> 00:32:15,800 Speaker 1: I answered his prayer as a loving father. No, I said, 493 00:32:15,840 --> 00:32:17,920 Speaker 1: you will be getting an old chavette with a tired 494 00:32:18,000 --> 00:32:23,120 Speaker 1: gerbil under the hood. And my son, when you are 495 00:32:23,120 --> 00:32:28,200 Speaker 1: faithful with the little things, like you polish that thing, 496 00:32:28,600 --> 00:32:31,600 Speaker 1: you change its oil. It doesn't come home full of 497 00:32:31,680 --> 00:32:35,400 Speaker 1: McDonald's boxes because you keep it clean. You pull it 498 00:32:35,960 --> 00:32:39,640 Speaker 1: up to the curb properly. You don't leave our house 499 00:32:39,720 --> 00:32:43,760 Speaker 1: on two wheels. When you take care of the little things, 500 00:32:43,760 --> 00:32:46,760 Speaker 1: we'll talk about moving you up. That's what God says 501 00:32:46,880 --> 00:32:48,680 Speaker 1: all the time. When you're faithful in the little things, 502 00:32:48,680 --> 00:32:50,440 Speaker 1: you'll be given more to manage it all. In scripture, 503 00:32:50,520 --> 00:32:52,920 Speaker 1: Prayable the Talents indicates that the mind of man plans 504 00:32:52,960 --> 00:32:55,320 Speaker 1: his ways, but the Lord directs his steps. All of 505 00:32:55,320 --> 00:32:57,320 Speaker 1: this is in there. A loving father is not going 506 00:32:57,360 --> 00:33:00,000 Speaker 1: to give you something you can't handle, because it'll crush you. 507 00:33:01,720 --> 00:33:05,680 Speaker 1: Be on a budget. The second thing we have to 508 00:33:05,720 --> 00:33:08,880 Speaker 1: do is we need to get out of debt. Now 509 00:33:08,880 --> 00:33:12,840 Speaker 1: you knew Dave Ramsey was gonna say that the rituals 510 00:33:12,880 --> 00:33:20,320 Speaker 1: over the poor and the borrower is slave to the lender. 511 00:33:22,880 --> 00:33:24,760 Speaker 1: We're carring around so much student loan debt that we 512 00:33:24,760 --> 00:33:32,120 Speaker 1: think Sally May is a family member. We have Master 513 00:33:32,960 --> 00:33:38,440 Speaker 1: Card who named that the borrower's slave and he's my master. 514 00:33:38,560 --> 00:33:41,280 Speaker 1: Look at that, and it's tough to serve two masters 515 00:33:41,280 --> 00:33:43,680 Speaker 1: because you'll love one and hate the other. I worship 516 00:33:43,760 --> 00:33:45,600 Speaker 1: at the altar of the Gray Fico score, but my 517 00:33:45,680 --> 00:33:53,080 Speaker 1: tithe is not up to date. Sharon and I saw 518 00:33:53,120 --> 00:33:55,880 Speaker 1: this and we said no more, We're done. And we 519 00:33:55,960 --> 00:33:58,600 Speaker 1: got the scissors out and we said, okay, we're gonna 520 00:33:58,640 --> 00:34:01,320 Speaker 1: light a little candle here and we're going to have 521 00:34:01,560 --> 00:34:07,920 Speaker 1: a plassectomy. We're going to have plastic surgery because what's 522 00:34:07,960 --> 00:34:13,520 Speaker 1: in your wallet money Airline miles. Oh good. We did 523 00:34:13,560 --> 00:34:15,920 Speaker 1: the largest study of millionaires ever done in North America 524 00:34:15,960 --> 00:34:18,280 Speaker 1: two years ago, over ten thousand millionaires that we studied 525 00:34:18,480 --> 00:34:21,880 Speaker 1: eighty nine percent of them became millionaires without and without 526 00:34:22,239 --> 00:34:25,279 Speaker 1: using an inheritance to become a millionaire. Nine out of 527 00:34:25,280 --> 00:34:27,480 Speaker 1: ten of them became millionaires on their own. You know 528 00:34:27,480 --> 00:34:29,440 Speaker 1: how many of them made their money off of airline 529 00:34:29,480 --> 00:34:40,360 Speaker 1: miles zero precisely discover Freedom. You're weird, Ramsey, I know, 530 00:34:40,480 --> 00:34:52,120 Speaker 1: but normals broke. I don't want to be normal. You 531 00:34:52,160 --> 00:34:54,319 Speaker 1: mean you don't have any credit cards? Not having any 532 00:34:54,320 --> 00:34:56,479 Speaker 1: credit cards? Start where they went bankrupty wouldn't give me any, 533 00:34:57,360 --> 00:34:59,080 Speaker 1: and then later on they start handing them out like 534 00:34:59,160 --> 00:35:02,040 Speaker 1: candy again, and we didn't take any because we were through. 535 00:35:02,080 --> 00:35:04,239 Speaker 1: We figured out the borrower slave to the lender. We don't. 536 00:35:04,360 --> 00:35:05,880 Speaker 1: We figured out if we don't have any payments, you 537 00:35:05,920 --> 00:35:10,040 Speaker 1: know what, we got money. That's weird. You don't have 538 00:35:10,040 --> 00:35:15,640 Speaker 1: any credit cards? Now, that's my wallet, green presidents faces, 539 00:35:15,640 --> 00:35:20,120 Speaker 1: four pieces of plastic, my debit card on my business, 540 00:35:20,160 --> 00:35:23,400 Speaker 1: my debit card on my personal, my driver's slices, and 541 00:35:23,440 --> 00:35:32,560 Speaker 1: my handgun carry permit. And that's it. Rednecks in North 542 00:35:32,600 --> 00:35:36,480 Speaker 1: Carolina too, Okay, yeah, I said I said that over 543 00:35:36,480 --> 00:35:42,200 Speaker 1: in California, but I got arrested. But good to be 544 00:35:42,239 --> 00:35:47,560 Speaker 1: back in America. But uh, oh, I love you California people, 545 00:35:47,640 --> 00:35:51,560 Speaker 1: we love you. We love you. It's all good and uh, 546 00:35:51,640 --> 00:35:55,439 Speaker 1: your state's crazy, but we love you. And so, oh 547 00:35:55,480 --> 00:35:58,600 Speaker 1: my gosh. So a guy called me on the radio 548 00:35:58,600 --> 00:36:00,560 Speaker 1: the other day and he's like, if I got a 549 00:36:00,560 --> 00:36:03,680 Speaker 1: problem and people call me on I this talk radio 550 00:36:03,719 --> 00:36:05,680 Speaker 1: show thing. And I said, what's the problem. He goes, 551 00:36:05,719 --> 00:36:07,279 Speaker 1: You're gonna kill me. I'm not gonna kill you. You're 552 00:36:07,320 --> 00:36:08,799 Speaker 1: in Texas, I'm in Tennessee. I can't get to you. 553 00:36:08,840 --> 00:36:12,400 Speaker 1: What'd you do? He goes, Well, I got my truck payment. 554 00:36:12,600 --> 00:36:15,080 Speaker 1: I'm like, how much is your truck payment? Seven undred 555 00:36:15,080 --> 00:36:20,480 Speaker 1: and sixty nine dollars seven hundred and sixty on a truck? 556 00:36:22,040 --> 00:36:25,200 Speaker 1: I said, ma'am. He goes, I know, I know, I know. 557 00:36:25,400 --> 00:36:30,280 Speaker 1: I said, yeah, how much is your house payment? Well, 558 00:36:30,080 --> 00:36:32,520 Speaker 1: we we live in a double whit it's five hundred bucks. 559 00:36:33,600 --> 00:36:36,040 Speaker 1: I said, dude, if your truck payment's bigger than your 560 00:36:36,040 --> 00:36:44,000 Speaker 1: house payment, you might be a redneck. There was car 561 00:36:44,040 --> 00:36:46,280 Speaker 1: payment in America right now. It's five hundred and forty 562 00:36:46,320 --> 00:36:49,080 Speaker 1: six dollars over eighty four months. If you didn't have 563 00:36:49,120 --> 00:36:51,880 Speaker 1: that because you drove a paid for vehicle that you 564 00:36:51,920 --> 00:36:54,759 Speaker 1: weren't trying to impress someone you don't know at a stoplight, 565 00:36:55,120 --> 00:36:56,960 Speaker 1: and you didn't have a five hundred and forty six 566 00:36:57,000 --> 00:36:58,839 Speaker 1: dollars payment, and you put that in good growth stock 567 00:36:58,920 --> 00:37:01,799 Speaker 1: mutual funds. From make's thirty to age sixty five, you'd 568 00:37:01,800 --> 00:37:04,560 Speaker 1: have five point six million dollars in that one account. 569 00:37:04,719 --> 00:37:10,520 Speaker 1: Hope you like the car. When I quit borrowing money, 570 00:37:10,560 --> 00:37:14,880 Speaker 1: I suddenly had money. You don't have to make a 571 00:37:14,880 --> 00:37:17,040 Speaker 1: lot to have money when you have any payments. Because 572 00:37:17,120 --> 00:37:20,120 Speaker 1: most Americans, we work, we bring it home, we change 573 00:37:20,160 --> 00:37:23,920 Speaker 1: its names, and we send it off, and we send 574 00:37:23,960 --> 00:37:28,040 Speaker 1: it to Ford Motor Credit, and we send it to Chevrolet, 575 00:37:31,239 --> 00:37:33,120 Speaker 1: and they go down. Other than the last four or 576 00:37:33,120 --> 00:37:35,520 Speaker 1: five months, when cars are going backwards, like everything's going 577 00:37:35,520 --> 00:37:37,520 Speaker 1: backwards right now, used cars are actually going up in 578 00:37:37,600 --> 00:37:39,920 Speaker 1: value for the first time in the history of man 579 00:37:40,680 --> 00:37:42,440 Speaker 1: and U and it'll catch up and it won't be 580 00:37:42,440 --> 00:37:44,399 Speaker 1: that way long. But I mean other than that time, 581 00:37:44,440 --> 00:37:46,719 Speaker 1: I mean, Chevy is like, you know, they're all this way. 582 00:37:46,760 --> 00:37:48,960 Speaker 1: It's like, you know, these things go down in value 583 00:37:49,000 --> 00:37:52,520 Speaker 1: like a rock. That's where Chevy got that, like a rock. Right, So, 584 00:37:55,280 --> 00:37:58,839 Speaker 1: and we're financing this thing. I don't mind you having 585 00:37:58,840 --> 00:38:00,200 Speaker 1: a nice car. I justn't want your nice car to 586 00:38:00,200 --> 00:38:05,840 Speaker 1: have you. I want you to have choices and margin 587 00:38:06,440 --> 00:38:08,919 Speaker 1: and room to be generous, and room to think about 588 00:38:08,960 --> 00:38:12,839 Speaker 1: your future instead of the present, because if we live 589 00:38:12,880 --> 00:38:18,080 Speaker 1: for Friday, you don't that much of a life. The 590 00:38:18,120 --> 00:38:30,120 Speaker 1: third one's weird. You have to foster quality relationships. Bible says, 591 00:38:30,160 --> 00:38:33,000 Speaker 1: be not deceived. Evil company corrupts good habits. Did you 592 00:38:33,040 --> 00:38:37,359 Speaker 1: know you become who you hang around with. I mean, 593 00:38:37,360 --> 00:38:38,839 Speaker 1: if you want to be generous, you need to hang 594 00:38:38,840 --> 00:38:41,480 Speaker 1: out with generous people. If you want to hang out 595 00:38:41,480 --> 00:38:43,040 Speaker 1: with people that are world changers, you need to hang 596 00:38:43,040 --> 00:38:44,920 Speaker 1: out world changers. If you want to hang out with 597 00:38:44,960 --> 00:38:46,359 Speaker 1: people that know. If you want to know the Bible, 598 00:38:46,400 --> 00:38:47,680 Speaker 1: we probably ought to hang out with some people that 599 00:38:47,719 --> 00:38:49,719 Speaker 1: know the Bible. If you want to hang out with people, 600 00:38:49,719 --> 00:38:51,160 Speaker 1: if you want to have a great marriage, you probably 601 00:38:51,200 --> 00:38:53,279 Speaker 1: ought to hang out with people other than your four 602 00:38:53,400 --> 00:38:57,239 Speaker 1: friends who just got six divorces. I'm minister to them, 603 00:38:57,320 --> 00:38:59,960 Speaker 1: I love them, I'm not snubbing them, but I don't 604 00:39:00,080 --> 00:39:05,560 Speaker 1: need to learn marriage from them. And I catch myself 605 00:39:05,719 --> 00:39:08,600 Speaker 1: I talk like the people I hang around with. The 606 00:39:08,960 --> 00:39:12,080 Speaker 1: verbal cues, the cadence of your sentence I was in 607 00:39:12,080 --> 00:39:13,839 Speaker 1: New York City the other day. Y'all know all those 608 00:39:13,840 --> 00:39:16,880 Speaker 1: people have an accent up there. They all talk just 609 00:39:16,960 --> 00:39:21,040 Speaker 1: at it's crazy, and then they come down South, and 610 00:39:21,080 --> 00:39:22,760 Speaker 1: you know what, we teach them how to talk Eventually, 611 00:39:23,680 --> 00:39:26,520 Speaker 1: you know, because you become who you hang around with. 612 00:39:26,600 --> 00:39:29,360 Speaker 1: Did you know the studies have shown that your income 613 00:39:29,760 --> 00:39:32,239 Speaker 1: will be the average will be within ten percent of 614 00:39:32,239 --> 00:39:35,520 Speaker 1: the average of your ten closest friends income. Some of 615 00:39:35,520 --> 00:39:40,759 Speaker 1: your going I needed some new friends. Maybe now I'm 616 00:39:40,800 --> 00:39:43,640 Speaker 1: never saying be snobbish to somebody I'm minister to. I'll 617 00:39:43,640 --> 00:39:47,160 Speaker 1: spend time with, I will love anyone. I love people. 618 00:39:47,360 --> 00:39:50,240 Speaker 1: I'm talking about your crew. Who's in your center, who's 619 00:39:50,280 --> 00:39:53,920 Speaker 1: walking with you, who's lifting your arms, who's smacking them down, 620 00:39:54,239 --> 00:39:57,480 Speaker 1: who's calling you out? Who You're gonna talk like them, 621 00:39:57,520 --> 00:39:59,560 Speaker 1: You're gonna read like them, You're gonna binge watch the 622 00:39:59,640 --> 00:40:07,799 Speaker 1: same thing on Netflix, stagger King. You're gonna become who 623 00:40:07,800 --> 00:40:11,080 Speaker 1: you hang around with. Be very careful, you know this. 624 00:40:11,480 --> 00:40:12,960 Speaker 1: That's why you don't let your kids run around a 625 00:40:13,000 --> 00:40:16,440 Speaker 1: juvenil delinquents, because you know little Johnny down the streets 626 00:40:16,440 --> 00:40:18,280 Speaker 1: smoking weed. You hang it, kid hangs out with litt Johnny. 627 00:40:18,280 --> 00:40:21,520 Speaker 1: Yourki's gonna be a weed head too. You know this. No, 628 00:40:21,560 --> 00:40:23,960 Speaker 1: you ain't hanging out with Johnny. Johnny is not smart. 629 00:40:25,600 --> 00:40:27,719 Speaker 1: We will pray for little Johnny. He can come over 630 00:40:27,719 --> 00:40:31,000 Speaker 1: at our house and play, but we're not. No, no, 631 00:40:32,160 --> 00:40:35,759 Speaker 1: You're not gonna be like him. Moms and dads, do that. 632 00:40:35,960 --> 00:40:40,920 Speaker 1: Be not deceived, evil company, corrupts good habits. Be very careful. 633 00:40:41,160 --> 00:40:43,880 Speaker 1: The third, fourth one is save and invests. Save money, 634 00:40:44,719 --> 00:40:47,000 Speaker 1: save money. The Bible says, in the house of the 635 00:40:47,080 --> 00:40:52,320 Speaker 1: Wiser stores of choice, food and oil. But a foolish 636 00:40:52,360 --> 00:40:56,759 Speaker 1: man devours all he has. You spend everything you make. 637 00:40:56,800 --> 00:40:58,440 Speaker 1: You're a fool. I didn't say it, God said it. 638 00:40:58,480 --> 00:41:02,279 Speaker 1: Get mad at him. There's a time or two in 639 00:41:02,280 --> 00:41:05,720 Speaker 1: my life. God's had a red arrow point in a fool. Fool, fool, 640 00:41:05,920 --> 00:41:08,560 Speaker 1: and you don't want to be a biblical fool. This 641 00:41:08,640 --> 00:41:10,600 Speaker 1: is not a greeting like hey foo, No, this is 642 00:41:10,680 --> 00:41:20,440 Speaker 1: like a fool in the house of the wise or 643 00:41:20,520 --> 00:41:25,680 Speaker 1: stores of choice, food and oil. In Biblical times, when Solomon, 644 00:41:25,719 --> 00:41:27,480 Speaker 1: the smartest man ever lived, wrote that one of the 645 00:41:27,520 --> 00:41:29,480 Speaker 1: wealthiest men they ever lived. By the Way too, wrote 646 00:41:29,480 --> 00:41:31,439 Speaker 1: that in the House of the Wise there were two 647 00:41:31,480 --> 00:41:35,440 Speaker 1: classes of people in Israel in those days, there were 648 00:41:35,480 --> 00:41:38,200 Speaker 1: not a middle class. There was no middle class. There 649 00:41:38,280 --> 00:41:42,840 Speaker 1: was peasants, poverty, which was most everyone, and there was 650 00:41:42,880 --> 00:41:48,080 Speaker 1: the aristocracy. The aristocracy the wealthy are the only ones 651 00:41:48,120 --> 00:41:51,359 Speaker 1: that had what you and I eat every day called 652 00:41:51,440 --> 00:41:57,160 Speaker 1: choice food. The best food the world has to offer, clean, safe, 653 00:41:57,640 --> 00:42:02,080 Speaker 1: good for you. That's what they aristocracy ate. Maybe not 654 00:42:02,120 --> 00:42:04,600 Speaker 1: good for you, but they ate the good stuff. Okay, 655 00:42:05,680 --> 00:42:09,920 Speaker 1: I mean we're talking Israel. So what the poverty is. 656 00:42:09,960 --> 00:42:14,920 Speaker 1: It's hummus, you know, pet of bread, right, this is 657 00:42:14,960 --> 00:42:17,640 Speaker 1: what you got. This is the whole puppy. In the 658 00:42:17,719 --> 00:42:21,319 Speaker 1: house of the Wise are stores of choice food. Choice 659 00:42:21,320 --> 00:42:26,359 Speaker 1: food was an indication of wealth. Oil was used all 660 00:42:26,360 --> 00:42:30,040 Speaker 1: throughout the Old Testament to anoint to show God's spirit. 661 00:42:30,719 --> 00:42:34,600 Speaker 1: The Prophet anointed the shepherd boy David, and later it 662 00:42:34,600 --> 00:42:38,800 Speaker 1: says that the anointing drops from the beard onto the body. 663 00:42:38,920 --> 00:42:41,880 Speaker 1: The spirit of God drops from leadership into the body 664 00:42:41,920 --> 00:42:47,080 Speaker 1: of that leadership. God's spirit is always represented by oil. Consequently, 665 00:42:47,120 --> 00:42:50,000 Speaker 1: oil was highly valued. You could take a caraffe of 666 00:42:50,040 --> 00:42:53,520 Speaker 1: oil and trade it in the marketplace for anything. Because 667 00:42:53,520 --> 00:42:55,600 Speaker 1: it was also used to keep the whole the lamps 668 00:42:55,640 --> 00:42:59,040 Speaker 1: lit in the Holy of Holies. It was highly prized, 669 00:42:59,239 --> 00:43:01,480 Speaker 1: highly esteemed. I leave valued. Now let's do it again. 670 00:43:01,640 --> 00:43:07,120 Speaker 1: In the House of the Wise are stores of choice, 671 00:43:07,160 --> 00:43:11,120 Speaker 1: food and oil. Well, the Bible says the rich people 672 00:43:11,160 --> 00:43:14,600 Speaker 1: are going to hell. No it doesn't, No, it doesn't. 673 00:43:16,480 --> 00:43:19,359 Speaker 1: If you believe that rich people are going to hell 674 00:43:19,400 --> 00:43:23,200 Speaker 1: from scriptures, then you don't believe Jesus's blood on the 675 00:43:23,239 --> 00:43:25,760 Speaker 1: cross was real, which would by definition make you a heretic. 676 00:43:29,160 --> 00:43:32,040 Speaker 1: There's a lot of warnings about wealth. It's powerful, be 677 00:43:32,120 --> 00:43:35,240 Speaker 1: careful with it. I had warned you about that earlier. 678 00:43:35,680 --> 00:43:37,640 Speaker 1: But rich people aren't. And the Bible does not save 679 00:43:37,640 --> 00:43:39,840 Speaker 1: money is the root of all evil. It says the 680 00:43:39,880 --> 00:43:41,640 Speaker 1: love of money is the root of all evil. So 681 00:43:41,680 --> 00:43:43,160 Speaker 1: the first thing we save money for is we save 682 00:43:43,239 --> 00:43:47,799 Speaker 1: money for in a emergency because Grandma said, save for 683 00:43:47,880 --> 00:43:57,319 Speaker 1: a rainy day. Visual aid. It's going to rain. It's 684 00:43:57,360 --> 00:43:59,800 Speaker 1: going to rain, Dave, you should be positive. I'm positive 685 00:43:59,880 --> 00:44:05,960 Speaker 1: it's going to rain. When pandemics hit and you have 686 00:44:06,040 --> 00:44:09,440 Speaker 1: no debt and a pile of money in your emergency fund, 687 00:44:10,200 --> 00:44:12,520 Speaker 1: it's a whole different level of stress that your body 688 00:44:12,560 --> 00:44:17,680 Speaker 1: takes in peace that passes all understanding because you're the 689 00:44:17,680 --> 00:44:20,600 Speaker 1: third pig, not the one with sticks and straw, but 690 00:44:20,640 --> 00:44:24,120 Speaker 1: the one that built the brick house. I planted the corn, 691 00:44:24,719 --> 00:44:27,319 Speaker 1: the corn came. It's awful out there, and I felt 692 00:44:27,320 --> 00:44:28,960 Speaker 1: bad for a lot of people, and a lot of 693 00:44:29,000 --> 00:44:31,640 Speaker 1: businesses were really, really struggling. But we're sitting on a 694 00:44:31,640 --> 00:44:34,400 Speaker 1: campus that's one hundred percent debt free. We're sitting on 695 00:44:34,440 --> 00:44:37,080 Speaker 1: a pile of retained earnings. None of our people lost 696 00:44:37,120 --> 00:44:40,480 Speaker 1: their job, not wine. None of them missed a paycheck, 697 00:44:40,640 --> 00:44:45,799 Speaker 1: not wine. Is that because Dave Ramsey is noble? No, 698 00:44:45,840 --> 00:44:48,919 Speaker 1: it's because God says if you plant corn, corn will 699 00:44:48,960 --> 00:44:53,000 Speaker 1: grow if you follow his guidelines, his principles, they work 700 00:44:53,640 --> 00:44:57,160 Speaker 1: every time. And so if you're on a plan and 701 00:44:57,200 --> 00:45:00,200 Speaker 1: you get out of debt and you're saving money, you 702 00:45:00,239 --> 00:45:05,200 Speaker 1: can save more money when you don't have payments and 703 00:45:05,239 --> 00:45:08,880 Speaker 1: you're hanging out with people that are generous and future 704 00:45:09,040 --> 00:45:15,239 Speaker 1: thinking instead of short term thinkers, impulsive thinkers, children. One 705 00:45:15,280 --> 00:45:19,160 Speaker 1: definition of maturity is the ability to delay pleasure. If 706 00:45:19,200 --> 00:45:22,600 Speaker 1: you're hanging out with people like that, it will naturally 707 00:45:22,760 --> 00:45:30,240 Speaker 1: believe bring the Christian to the fifth one, be outrageously generous. 708 00:45:32,840 --> 00:45:35,480 Speaker 1: Did you know you can give money away if you 709 00:45:35,600 --> 00:45:40,760 Speaker 1: have some. Did you know that people who feed poor, 710 00:45:40,840 --> 00:45:44,880 Speaker 1: people who feed starving kids are people who had money. 711 00:45:45,920 --> 00:45:48,839 Speaker 1: That's where it came from. It came from people who 712 00:45:48,840 --> 00:45:51,920 Speaker 1: did the stuff I was talking about. They're not evil, 713 00:45:52,080 --> 00:45:54,520 Speaker 1: they're not horrible, they're not corrupt, they didn't steal that 714 00:45:54,680 --> 00:45:58,799 Speaker 1: in cheat. They serve the community in scale and consequently 715 00:45:58,880 --> 00:46:04,360 Speaker 1: have the ability to serve the community in scale. Generosity 716 00:46:04,719 --> 00:46:08,160 Speaker 1: comes from having planted corn. So now I got some 717 00:46:08,600 --> 00:46:11,600 Speaker 1: to share with my brothers and sisters, and it's the 718 00:46:11,640 --> 00:46:16,000 Speaker 1: most fun you'll ever have with money. Outrage is crazy. 719 00:46:16,120 --> 00:46:20,000 Speaker 1: Generosity you gotta do it. You gotta do it, y'all. 720 00:46:20,480 --> 00:46:25,200 Speaker 1: It's unbelievable. What will happen. It'll turn everything loose in 721 00:46:25,200 --> 00:46:29,120 Speaker 1: your life. Your creativity will go up, your passion will 722 00:46:29,160 --> 00:46:32,399 Speaker 1: go up, your health will change. When you start letting 723 00:46:32,440 --> 00:46:36,360 Speaker 1: money flow through you instead of to you, it changes 724 00:46:36,719 --> 00:46:45,080 Speaker 1: everything in your life. But it is a mathematical requirement 725 00:46:45,280 --> 00:46:47,560 Speaker 1: that for money to flow through you, you you have to 726 00:46:47,560 --> 00:46:51,960 Speaker 1: get it to you. You got to pay the like 727 00:46:52,040 --> 00:46:55,239 Speaker 1: bill first, feed your kids, because if you don't take 728 00:46:55,239 --> 00:46:58,000 Speaker 1: care of your own household first, you're worse than an unbeliever. 729 00:46:58,160 --> 00:47:02,760 Speaker 1: Are we following scripture here, you're not selfish. You just broke. 730 00:47:05,560 --> 00:47:07,480 Speaker 1: We got to work on not being broke. I've been there, 731 00:47:07,560 --> 00:47:09,520 Speaker 1: and it's scary as crud. I don't want to live 732 00:47:09,560 --> 00:47:13,560 Speaker 1: like that. So we tithe. As Evangelical Christians, we always 733 00:47:13,560 --> 00:47:15,040 Speaker 1: tie that means give a tenth of our income to 734 00:47:15,040 --> 00:47:16,960 Speaker 1: our local church. That's your baseline. But I want you 735 00:47:17,000 --> 00:47:19,000 Speaker 1: to do some other stuff beyond that that just is 736 00:47:19,080 --> 00:47:20,799 Speaker 1: mind blowing, just for fun. I want you to just 737 00:47:20,880 --> 00:47:25,080 Speaker 1: carry some money around. Here's one for you. Let's do this. 738 00:47:25,880 --> 00:47:27,319 Speaker 1: And they told me to be done in about forty 739 00:47:27,320 --> 00:47:31,560 Speaker 1: five minutes because that's when the Holy Spirit leaves. So 740 00:47:33,280 --> 00:47:34,880 Speaker 1: and I don't want to be up here by myself. 741 00:47:34,960 --> 00:47:45,800 Speaker 1: So Thanksgiving Easter's quicker when you're getting the family together 742 00:47:47,239 --> 00:47:50,719 Speaker 1: and you're picking up the kids and maybe you're going 743 00:47:51,239 --> 00:47:54,480 Speaker 1: down the road or two states over to go see grandma. 744 00:47:55,640 --> 00:47:57,800 Speaker 1: I don't know if you're going to cross town or whatever. 745 00:47:57,840 --> 00:47:59,759 Speaker 1: We're going to grandma's house and Grandma's gonna make a feast. 746 00:47:59,960 --> 00:48:01,719 Speaker 1: LL know what I'm talking about. Maybe not, but maybe 747 00:48:01,880 --> 00:48:03,600 Speaker 1: you could see the type of picture this is. This 748 00:48:03,680 --> 00:48:05,719 Speaker 1: is what happens to us, and so what I want 749 00:48:05,760 --> 00:48:06,560 Speaker 1: you to do is. I want you to load the 750 00:48:06,600 --> 00:48:09,320 Speaker 1: kids up. I want you to leave twenty minutes early, 751 00:48:10,320 --> 00:48:11,879 Speaker 1: and I want you on the way to get off 752 00:48:11,880 --> 00:48:15,279 Speaker 1: in an exit and find yourself like a waffle house. 753 00:48:15,320 --> 00:48:18,200 Speaker 1: Y'all know what waffle house is, and pull up right 754 00:48:18,280 --> 00:48:22,880 Speaker 1: in front of the glass and leave the car running 755 00:48:24,360 --> 00:48:28,600 Speaker 1: until the kids put down your screens. Watch God, behave, 756 00:48:30,200 --> 00:48:31,520 Speaker 1: and I want you to go in have a cup 757 00:48:31,520 --> 00:48:33,479 Speaker 1: of coffee at the front counter, at the lunch counter. 758 00:48:33,520 --> 00:48:34,680 Speaker 1: Y'all know what I'm talking about. You have been a 759 00:48:35,120 --> 00:48:40,040 Speaker 1: lunch count. And this is Thanksgiving weekend, this is Easter weekend. 760 00:48:40,400 --> 00:48:45,320 Speaker 1: You know who's working at the counter at a waffle house. 761 00:48:45,360 --> 00:48:47,040 Speaker 1: Somebody needs a job. You know who's working at the 762 00:48:47,040 --> 00:48:50,080 Speaker 1: counter in a waffle house on Easter weekend. Somebody needs 763 00:48:50,080 --> 00:48:54,400 Speaker 1: a job. Bag So I want you to have a 764 00:48:54,400 --> 00:48:57,880 Speaker 1: cup of coffee. Order a cup of coffee. You probably 765 00:48:57,880 --> 00:49:01,520 Speaker 1: not even gonna drink it, And before you leave, I 766 00:49:01,520 --> 00:49:04,000 Speaker 1: want you to to get chat about three or four of 767 00:49:04,000 --> 00:49:12,480 Speaker 1: these Uncle Benjamin's hundreds, slip them under the coffee cup, 768 00:49:12,520 --> 00:49:18,040 Speaker 1: and slip out to the car. Hey, kids, watch God, 769 00:49:19,680 --> 00:49:24,600 Speaker 1: watch him. Here's what she'll do. She'll walk along and 770 00:49:24,719 --> 00:49:31,160 Speaker 1: pick it up in her eyes will get back. She's 771 00:49:31,160 --> 00:49:35,600 Speaker 1: looking around like it's a trick. It's been so long 772 00:49:36,960 --> 00:49:43,080 Speaker 1: since anything good it's happened to her, and God just 773 00:49:43,120 --> 00:49:57,480 Speaker 1: showed up. You just changed him net worth one hundred 774 00:49:57,520 --> 00:50:03,279 Speaker 1: percent of time. And even if she's not been in 775 00:50:03,360 --> 00:50:07,000 Speaker 1: church in her life, or even if she was there 776 00:50:07,080 --> 00:50:23,239 Speaker 1: last week one hundred percent of the time, who knows 777 00:50:23,920 --> 00:50:28,600 Speaker 1: to say thank you? Can she can smell the aroma 778 00:50:29,400 --> 00:50:33,200 Speaker 1: of the Holy Spirit that you left dripping there. You 779 00:50:33,239 --> 00:50:38,120 Speaker 1: didn't leave a track you lost. You left three four 780 00:50:38,360 --> 00:50:40,920 Speaker 1: hundred bucks. I want you to go out and spend 781 00:50:40,960 --> 00:50:43,240 Speaker 1: three four hundred bucks on a date night on yourself. 782 00:50:43,400 --> 00:50:44,680 Speaker 1: I want you to do that too. I want you 783 00:50:44,719 --> 00:50:46,920 Speaker 1: to have fun with money, but I dare you to 784 00:50:46,960 --> 00:50:59,279 Speaker 1: have more fun than that. So here's the thing you 785 00:50:59,320 --> 00:51:06,440 Speaker 1: can decide. I'm gonna budget, I'm gonna get out of that. 786 00:51:09,320 --> 00:51:13,200 Speaker 1: I'm gonna change. I'm gonna start handling my life the 787 00:51:13,239 --> 00:51:16,120 Speaker 1: way God instructs in his love letter to me. And 788 00:51:16,160 --> 00:51:18,600 Speaker 1: he's crazy about me, and he's got a plan for me. 789 00:51:18,640 --> 00:51:20,120 Speaker 1: And it's not to bring me hard, but to bring 790 00:51:20,120 --> 00:51:24,360 Speaker 1: me hope. I'm gonna get better. I'm gonna be a 791 00:51:24,440 --> 00:51:30,080 Speaker 1: diligent farmer, because the diligent prosper and the lazy man doesn't. 792 00:51:33,120 --> 00:51:35,800 Speaker 1: I'm gonna change now. Am I perfect? No? Good, Gracious, 793 00:51:35,840 --> 00:51:38,600 Speaker 1: I'm not perfect. I mess up about every day. I 794 00:51:38,600 --> 00:51:41,000 Speaker 1: don't mess this stuff up. I took care of him 795 00:51:41,000 --> 00:51:44,520 Speaker 1: all that in my twenties. I mess up lots of things. 796 00:51:44,760 --> 00:51:46,640 Speaker 1: We all do. We're all working on this, we're all, 797 00:51:47,200 --> 00:51:49,319 Speaker 1: you know. But I can do all things through Christ, 798 00:51:49,360 --> 00:51:59,240 Speaker 1: who strengthens me. I can decide I'm gonna change. God's 799 00:51:59,239 --> 00:52:03,680 Speaker 1: crazy about you. And if you wandered in here because 800 00:52:03,680 --> 00:52:05,680 Speaker 1: you saw a Facebook post said Dave Ramsey is gonna 801 00:52:05,680 --> 00:52:07,680 Speaker 1: be here and you don't know him, let me just 802 00:52:07,719 --> 00:52:20,919 Speaker 1: tell you this, Jesus Man, you change your life. God, 803 00:52:20,960 --> 00:52:23,600 Speaker 1: we thank you for these folks. We turn this service 804 00:52:23,640 --> 00:52:25,680 Speaker 1: over to Pastor Stephen. But Father, as I'm doing that, 805 00:52:25,760 --> 00:52:27,440 Speaker 1: I just want to pray a blessing and ask that 806 00:52:27,520 --> 00:52:30,520 Speaker 1: you show up for folks here, that if they felt condemned, 807 00:52:30,560 --> 00:52:33,640 Speaker 1: that they're not but instead convicted. And Father, God, give 808 00:52:33,680 --> 00:52:37,480 Speaker 1: them the power of the strength, the love, the ability 809 00:52:37,520 --> 00:52:41,560 Speaker 1: to run the distance and finish the race well, the 810 00:52:41,600 --> 00:52:44,160 Speaker 1: ability to walk with what You've got for them. In 811 00:52:44,719 --> 00:52:48,400 Speaker 1: what you've got for them, bring them protection, bring them provision, 812 00:52:49,320 --> 00:52:51,040 Speaker 1: and help them to be a shining light on a 813 00:52:51,120 --> 00:53:01,560 Speaker 1: hill that is unbelievably generous in Jesus' name. Amen. Well, 814 00:53:01,600 --> 00:53:03,680 Speaker 1: if you enjoyed today's podcast, there are a couple of 815 00:53:03,719 --> 00:53:07,399 Speaker 1: things I'd love for you to do. Make sure to subscribe, rate, 816 00:53:07,680 --> 00:53:10,680 Speaker 1: and review this podcast. You can also help us reach 817 00:53:10,719 --> 00:53:14,600 Speaker 1: others by investing today at Elevationchurch dot org. Slash GiB 818 00:53:14,960 --> 00:53:17,799 Speaker 1: and thanks again for joining us on the Elevation Podcast.