Welcome to Issues and Answers. 00:00:28.02\00:00:29.66 Our topic today is Stewardship, Love It or List It. 00:00:29.69\00:00:32.66 Today our guests are Reginald and Ebony Clark, 00:00:32.69\00:00:35.53 graduates of the University of Memphis. 00:00:35.56\00:00:37.77 Reginald is a certified financial planner, 00:00:37.80\00:00:40.10 first elder in his church and a recognized leader 00:00:40.14\00:00:42.87 in America's financial planners. 00:00:42.90\00:00:44.74 Ebony is a tax accountant and auditor. 00:00:44.77\00:00:47.38 Together they run P3 financial groups 00:00:47.41\00:00:50.45 in between caring for their three precious children, 00:00:50.48\00:00:53.42 Reginald and Ebony conduct seminars 00:00:53.45\00:00:55.45 and trainings to churches 00:00:55.48\00:00:56.82 and the public on how to care for their finances 00:00:56.85\00:00:59.85 and be good stewards. 00:00:59.89\00:01:01.46 Welcome to the program, Reginald and Ebony. 00:01:01.49\00:01:04.03 Thank you for having us. Thank you so much for coming. 00:01:04.06\00:01:07.13 So exactly what is stewardship? 00:01:07.16\00:01:09.96 Karen, Stewardship is an awesome expression 00:01:10.00\00:01:12.53 of God's love. 00:01:12.57\00:01:14.20 In my opinion, next to salvation 00:01:14.24\00:01:16.30 stewardship is probably the greatest expression 00:01:16.34\00:01:18.11 of God's love because what stewardship is, 00:01:18.14\00:01:20.14 it entails... 00:01:20.18\00:01:21.84 stewardship is when something has been entrusted 00:01:21.88\00:01:25.18 to the good care of someone else. 00:01:25.21\00:01:27.58 The good care? The good care of someone else. 00:01:27.62\00:01:29.55 Wow. Okay. 00:01:29.58\00:01:31.02 So when did God kind of get the stewardship going 00:01:31.05\00:01:33.89 for all of us. 00:01:33.92\00:01:35.56 Well, there are four components to stewardship. 00:01:35.59\00:01:38.83 Everything starts with God as you mentioned. 00:01:38.86\00:01:40.36 You got the source, you have the resources 00:01:40.40\00:01:43.03 and the source entrusted the resources to us. 00:01:43.06\00:01:45.80 You got the source, the resource, 00:01:45.83\00:01:47.27 the trust as well as the steward. 00:01:47.30\00:01:49.67 Actually what I'm going to do in the next few minutes 00:01:49.70\00:01:51.57 is break those four components down 00:01:51.61\00:01:53.17 and just look at stewardship a little deeper 00:01:53.21\00:01:55.11 than what some people may be used to in the past. 00:01:55.14\00:01:57.35 Okay, well I'm excited. 00:01:57.38\00:01:58.71 So we get to have like we were going to one of your trainings 00:01:58.75\00:02:01.88 or one of the seminars. 00:02:01.92\00:02:03.25 We're going to actually get a treat here. 00:02:03.28\00:02:04.89 Okay, so okay, studio audience 00:02:04.92\00:02:06.39 and those that are watching other places, 00:02:06.42\00:02:08.49 we're going to find out love it or list it stewardship. 00:02:08.52\00:02:11.43 Okay. 00:02:11.46\00:02:12.79 Well, we talk about the four components of stewardship 00:02:12.83\00:02:14.70 and let's talk about the first one. 00:02:14.73\00:02:16.40 The first one is the Source. 00:02:16.43\00:02:17.77 Where does all of this come from 00:02:17.80\00:02:19.97 and of course the source is God. 00:02:20.00\00:02:21.57 God says through Him all things were made. 00:02:21.60\00:02:24.04 Without Him nothing was made that has been made. 00:02:24.07\00:02:26.81 For every animal of the forest 00:02:26.84\00:02:28.61 and the cattle on a thousand hills is mine. 00:02:28.64\00:02:32.11 And back then that was the currency of the day. 00:02:32.15\00:02:35.02 So he's telling you that even though 00:02:35.05\00:02:36.62 it may belong to you, it came from Me. 00:02:36.65\00:02:39.75 God is the ultimate source. Wow. 00:02:39.79\00:02:41.52 Absolutely. Absolutely. Wow. Wow. 00:02:41.56\00:02:43.43 So God is the source and so let's look at 00:02:43.46\00:02:46.73 what are those resources that we're talking about? 00:02:46.76\00:02:48.80 What are those resources that He's entrusted to us? 00:02:48.83\00:02:51.13 What are those things that He's given to us 00:02:51.17\00:02:52.67 to take care of for Him? 00:02:52.70\00:02:54.04 When you look at it, you have time, talents, 00:02:54.07\00:02:56.77 which are our abilities, a temple, which is our body, 00:02:56.81\00:02:59.77 that's one of our treasures. 00:02:59.81\00:03:01.88 Most of the time we refer to those as the four T's. 00:03:01.91\00:03:03.88 So let's take a look at each one of those. 00:03:03.91\00:03:05.48 Okay. Let's list each one of those. 00:03:05.51\00:03:08.92 The first one is time. 00:03:08.95\00:03:10.79 The question is, is God concerned with our time? 00:03:10.82\00:03:13.09 Well we all know that out of the seven-day week 00:03:13.12\00:03:16.59 He set aside one day 00:03:16.62\00:03:18.06 and this is the day that we are to come away 00:03:18.09\00:03:20.36 and focus on Him as our creator. 00:03:20.40\00:03:23.16 But not only is He concerned 00:03:23.20\00:03:24.63 with how we spend our time on that one day. 00:03:24.67\00:03:28.17 He's also concerned about 00:03:28.20\00:03:29.54 how we spend our time on the other six days. 00:03:29.57\00:03:32.17 All of the time that He gave us is precious, 00:03:32.21\00:03:34.48 so He wants us to be good stewards of the things 00:03:34.51\00:03:37.25 that we do outside of that time. 00:03:37.28\00:03:38.91 Everything that we do should be to glorify Him 00:03:38.95\00:03:41.75 so that time shouldn't be spent doing anything wasteful. 00:03:41.78\00:03:46.42 Well, you know people always say, 00:03:46.45\00:03:47.79 we don't have enough time. 00:03:47.82\00:03:49.16 You know time, 24 hours in the day, 00:03:49.19\00:03:52.49 you know how do we address the time issues that we have? 00:03:52.53\00:03:55.70 Let's go to the word for that. 00:03:55.73\00:03:57.30 Ephesians 5:16-17 says, Making the best use of time, 00:03:57.33\00:04:01.80 because the days are evil. 00:04:01.84\00:04:03.54 Therefore do not be foolish 00:04:03.57\00:04:04.97 but understand what the will of the Lord is." 00:04:05.01\00:04:07.88 So how do we make the best use of our time? 00:04:07.91\00:04:09.24 By understanding the will of the Lord. 00:04:09.28\00:04:10.71 And that may sound like pie in the sky, 00:04:10.75\00:04:12.08 but it's not, it's really not. 00:04:12.11\00:04:14.02 If I'm conducting myself in such a way 00:04:14.05\00:04:15.78 where God is pleased, 00:04:15.82\00:04:17.19 that's going to take me through all 24 hours, 00:04:17.22\00:04:19.05 not just from sunset Friday to sunset Sabbath, Saturday. 00:04:19.09\00:04:22.32 It takes me through all the entire week. 00:04:22.36\00:04:24.46 So we do have to make the best use of our time 00:04:24.49\00:04:26.16 as the scripture said because the days are evil. 00:04:26.19\00:04:28.33 Do you see and our time here is limited 00:04:28.36\00:04:29.76 on this earth is limited. 00:04:29.80\00:04:31.13 We have to make the best use of our time. 00:04:31.17\00:04:32.50 So God is concerned with how we use our time, 00:04:32.53\00:04:34.97 which is our first resource. 00:04:35.00\00:04:37.51 So how do people know 00:04:37.54\00:04:38.87 if they're making good use of their time? 00:04:38.91\00:04:40.84 Like what kind of things would be examples 00:04:40.88\00:04:42.61 of how to do that, not to waste time? 00:04:42.64\00:04:46.21 Ebony, you want to take. 00:04:46.25\00:04:47.58 Yeah, I think the best way not to waste time 00:04:47.62\00:04:50.02 is to make sure be intentional. 00:04:50.05\00:04:52.49 Have a plan. Set goals. 00:04:52.52\00:04:54.32 When you get up in the morning have a plan 00:04:54.36\00:04:56.22 for what you want to do. 00:04:56.26\00:04:57.66 The first thing should obviously be prayer 00:04:57.69\00:04:59.66 and worship. 00:04:59.69\00:05:01.76 Your feet shouldn't touch the floor 00:05:01.80\00:05:03.16 without thanking God for waking you up another day 00:05:03.20\00:05:05.83 because some people don't get that opportunity. 00:05:05.87\00:05:08.00 But after then make sure that the things 00:05:08.04\00:05:10.27 that you're doing throughout the day makes your life better 00:05:10.31\00:05:13.74 and makes someone else's life better 00:05:13.78\00:05:15.54 and ultimately glorifies God. 00:05:15.58\00:05:19.85 That's excellent advice, have a plan. 00:05:19.88\00:05:21.92 Get up in the morning, before you get up, 00:05:21.95\00:05:23.35 have your prayer, have your devotion 00:05:23.39\00:05:25.19 and then kind of write down a list 00:05:25.22\00:05:26.59 of maybe of things that you want to do 00:05:26.62\00:05:28.02 or you wish to accomplish. 00:05:28.06\00:05:29.62 Is that what you mean by being intentional? 00:05:29.66\00:05:31.59 Yes, exactly. 00:05:31.63\00:05:33.13 Absolutely. Okay. Great. 00:05:33.16\00:05:34.50 I read a book that said, "Do all you can do in that day," 00:05:34.53\00:05:37.57 in that day do all that you can do. 00:05:37.60\00:05:38.93 Sounds simple but it's a really powerful concept. 00:05:38.97\00:05:40.94 Do all you can do in that day. 00:05:40.97\00:05:43.27 Let's go to our talents, our abilities. 00:05:43.30\00:05:46.01 That's the second resource. Is God concerned? 00:05:46.04\00:05:48.41 Do we have to give an account for our abilities? 00:05:48.44\00:05:50.78 Absolutely, we most certainly do. 00:05:50.81\00:05:52.28 Let's take a look at this text here. 00:05:52.31\00:05:54.98 It says, 1 Peter 14, it says, "As each has received a gift, 00:05:55.02\00:06:00.19 use it to serve one another, 00:06:00.22\00:06:02.12 as good stewards of God's varied grace." 00:06:02.16\00:06:04.56 It says a gift here. 00:06:04.59\00:06:05.93 Often times we think about talents, gifts. 00:06:05.96\00:06:08.36 When we look at that, we say, you know, 00:06:08.40\00:06:09.90 this person can do this, this person can do this, 00:06:09.93\00:06:11.67 oh, they especially have a talent. 00:06:11.70\00:06:13.67 But I like to use instead of the word talent, 00:06:13.70\00:06:15.40 I like to say ability. 00:06:15.44\00:06:17.11 We all have abilities. 00:06:17.14\00:06:18.47 You know there's something, Karen, 00:06:18.51\00:06:19.84 that you can do a little better 00:06:19.87\00:06:21.81 than anybody else on this planet. 00:06:21.84\00:06:23.28 I can think of a whole lot of things 00:06:23.31\00:06:24.88 I can do a lot better. 00:06:24.91\00:06:27.55 But you know, someone, you know... 00:06:27.58\00:06:29.88 I've seen examples 00:06:29.92\00:06:31.25 of two people take the same recipe 00:06:31.29\00:06:33.76 and yet one person's tastes totally different 00:06:33.79\00:06:35.72 because they're gifted in that area, 00:06:35.76\00:06:37.09 they have the ability to do that. 00:06:37.13\00:06:38.46 So we have to give an account for the gifts God has given us. 00:06:38.49\00:06:42.20 We have to use them to His honor and glory. 00:06:42.23\00:06:45.93 We also have to use our own gifts. 00:06:45.97\00:06:47.80 We shouldn't be envious of other people's gifts 00:06:47.84\00:06:51.71 or abilities because we have our own. 00:06:51.74\00:06:53.71 So if I know my area is not baking, 00:06:53.74\00:06:57.78 I can just stay away from baking 00:06:57.81\00:06:59.78 and hire someone to bake a cake 00:06:59.81\00:07:01.52 and I can focus my energy on the special talent 00:07:01.55\00:07:04.69 and ability that He gave me, 00:07:04.72\00:07:06.55 and then that just makes everything flow 00:07:06.59\00:07:09.39 and work well. 00:07:09.42\00:07:10.76 So you're saying that God gives each one of us 00:07:10.79\00:07:13.96 certain abilities that we don't have to sit 00:07:14.00\00:07:15.90 and look at someone else's 00:07:15.93\00:07:17.27 and wonder why can't we have theirs, 00:07:17.30\00:07:19.30 God gives us ours? 00:07:19.33\00:07:20.67 Exactly. Absolutely. 00:07:20.70\00:07:22.04 And I think a lot of times people get upset 00:07:22.07\00:07:25.37 because some abilities are more public 00:07:25.41\00:07:28.11 and some are more behind the scenes. 00:07:28.14\00:07:30.08 But if you focus on what your ability is, 00:07:30.11\00:07:33.68 that can take you so far in life 00:07:33.72\00:07:36.79 and you don't have to worry 00:07:36.82\00:07:38.32 about what someone else is able to do. 00:07:38.35\00:07:41.32 Well, how do you know what your abilities are? 00:07:41.36\00:07:45.03 As far as for people do spiritual gifts seminars 00:07:45.06\00:07:48.23 and a whole host, but how do you... 00:07:48.26\00:07:49.60 What's a practical way to kind of see 00:07:49.63\00:07:51.73 maybe what you're good at? 00:07:51.77\00:07:54.00 One of the best ways is to think about 00:07:54.04\00:07:56.91 what is that you enjoy doing so much 00:07:56.94\00:07:59.34 that you wouldn't have to be paid to do it. 00:07:59.37\00:08:01.64 That's probably what your gift is. 00:08:01.68\00:08:03.65 That's probably where your gift is. 00:08:03.68\00:08:05.35 And again, God has given each one of us something, 00:08:05.38\00:08:07.38 some He gives more 00:08:07.42\00:08:08.95 but each one of us has something 00:08:08.98\00:08:10.35 that's so special and unique to us, 00:08:10.39\00:08:12.05 but you have to develop it. 00:08:12.09\00:08:14.16 That sounds good. That sounds really good. 00:08:14.19\00:08:16.62 Another one of the resources is your temple, 00:08:16.66\00:08:20.23 which is your body. 00:08:20.26\00:08:21.76 And people may wonder, 00:08:21.80\00:08:23.90 well is God concerned with what I do to my body 00:08:23.93\00:08:26.94 and what I put in my body. 00:08:26.97\00:08:28.30 and of course He is. 00:08:28.34\00:08:29.77 He says, "Or do you know that your body is the temple 00:08:29.80\00:08:32.41 of the Holy Spirit within you whom you have from God. 00:08:32.44\00:08:36.54 You are not your own, 00:08:36.58\00:08:37.91 for you were bought with a price. 00:08:37.95\00:08:39.28 So glorify God in your body." 00:08:39.31\00:08:40.92 And that's from 1 Corinthians 6:19-20. 00:08:40.95\00:08:44.32 So the Holy Spirit lives within us 00:08:44.35\00:08:47.69 and since the Holy Spirit lives within us, 00:08:47.72\00:08:50.16 He is very concerned with how we treat this vessel, 00:08:50.19\00:08:54.20 whether it's what we eat, 00:08:54.23\00:08:56.80 the activities that we choose to participate in, 00:08:56.83\00:08:59.33 our thoughts, our actions. 00:08:59.37\00:09:01.94 All of that is of His concern and when we treat our bodies 00:09:01.97\00:09:05.61 well, we have the energy to be able to glorify Him 00:09:05.64\00:09:11.41 and to spread the message. 00:09:11.45\00:09:13.98 Okay, so what if somebody watches the program says, 00:09:14.02\00:09:16.18 I really, I think this is really wonderful 00:09:16.22\00:09:19.32 about my body being the temple of the Holy Spirit 00:09:19.35\00:09:23.49 but I'm not at my best in all areas, 00:09:23.53\00:09:26.90 you know, I really... 00:09:26.93\00:09:28.66 I may be over here 00:09:28.70\00:09:30.17 and I'm trying to get over here. 00:09:30.20\00:09:31.53 How do I get from, you know, 00:09:31.57\00:09:33.34 hey everyone has New Year's resolutions or some point, 00:09:33.37\00:09:36.64 birthdays or anniversaries or whatever day they pull, 00:09:36.67\00:09:39.24 say I want to do something better physically. 00:09:39.27\00:09:41.91 How do we get from here to there? 00:09:41.94\00:09:44.28 Life is about progression and steps. 00:09:44.31\00:09:48.42 Even the scripture says, 00:09:48.45\00:09:49.78 "Seek ye first the kingdom of God 00:09:49.82\00:09:51.15 and his righteousness and all these things 00:09:51.19\00:09:52.52 will be added to you." 00:09:52.55\00:09:53.89 He didn't say He'd multiply it. 00:09:53.92\00:09:55.26 Added mean they're going to be given to you a step at a time. 00:09:55.29\00:09:57.06 And whenever we have big goal 00:09:57.09\00:09:58.79 whether it's especially being able to take care of our temple 00:09:58.83\00:10:01.26 to, you know, built finance or whatever it may be, 00:10:01.30\00:10:03.87 you break that big goal down into smaller steps 00:10:03.90\00:10:06.70 and you set attainable goals. 00:10:06.74\00:10:09.07 You set goals that stretch you out there a little bit 00:10:09.10\00:10:12.77 but goals that you can get hit so you can take each step 00:10:12.81\00:10:16.38 and be build off the next. 00:10:16.41\00:10:17.75 So that's how you get, I mean just think about 00:10:17.78\00:10:19.11 how do you climb a flight of steps, one step at a time. 00:10:19.15\00:10:21.42 You don't jump from, 00:10:21.45\00:10:23.39 the first floor to the second floor. 00:10:23.42\00:10:24.75 It's one step at a time. 00:10:24.79\00:10:26.89 I think it's about each day deciding that day. 00:10:26.92\00:10:30.49 Every day you're either moving closer 00:10:30.53\00:10:32.56 or further away from your goal. 00:10:32.59\00:10:34.30 So just take that one day. 00:10:34.33\00:10:35.76 Just decide today I'm going to make good choices. 00:10:35.80\00:10:39.00 After that day is done, the next day. 00:10:39.03\00:10:41.67 Today I'm going to make good choices 00:10:41.70\00:10:43.51 and before you know it, 00:10:43.54\00:10:44.87 you will have reached your goal. 00:10:44.91\00:10:46.24 Absolutely. 00:10:46.27\00:10:47.61 So let's take a look at the next component 00:10:47.64\00:10:49.34 of stewardship which is trust. 00:10:49.38\00:10:51.51 Again, so we've identified the source, 00:10:51.55\00:10:52.98 we know the source is God. 00:10:53.01\00:10:54.35 We know the resources. We went through those. 00:10:54.38\00:10:56.15 So the next component of stewardship is trust. 00:10:56.18\00:11:00.92 Trust is such a delicate thing. Trust is very delicate. 00:11:00.96\00:11:03.79 As it relates to stewardship, 00:11:03.83\00:11:05.39 there's a trust on behalf of the source. 00:11:05.43\00:11:07.30 God entrusts His resource to us. 00:11:07.33\00:11:11.33 Then we need to turn around and trust God 00:11:11.37\00:11:14.20 that the resources He gave us last week 00:11:14.24\00:11:16.17 He's going to provide today and tomorrow. 00:11:16.20\00:11:18.14 So trust works both ways. 00:11:18.17\00:11:19.51 When you think about trust, 00:11:19.54\00:11:20.88 think about trust in your own life. 00:11:20.91\00:11:23.91 You can work to build trust up 00:11:23.95\00:11:25.28 over a number of years with a person. 00:11:25.31\00:11:27.42 It's like building a house of cards. 00:11:27.45\00:11:29.58 Make one misstep 00:11:29.62\00:11:30.95 and that whole thing come tumbling down. 00:11:30.99\00:11:32.32 So trust does work both ways. 00:11:32.35\00:11:35.12 The good thing about God 00:11:35.16\00:11:36.49 is that even if that whole house of cards 00:11:36.52\00:11:38.79 starts tumbling down, 00:11:38.83\00:11:40.33 He gives you another chance. 00:11:40.36\00:11:41.80 So He doesn't make you wait, He doesn't make you wait, 00:11:41.83\00:11:45.57 He doesn't say uh, I'm not sure 00:11:45.60\00:11:47.64 if I'm going to trust her again. 00:11:47.67\00:11:49.37 He gives you another chance 00:11:49.40\00:11:50.81 as soon as you ask for it, so... 00:11:50.84\00:11:52.84 Let's look at the scripture real quick. 00:11:52.87\00:11:54.68 1 Thessalonians 2:14, it says, 00:11:54.71\00:11:56.41 "For we speak as messengers approved by God 00:11:56.44\00:11:58.98 to be entrusted with the good news. 00:11:59.01\00:12:01.28 Our purpose is to please God, not people. 00:12:01.32\00:12:03.69 He alone examines the motives of the heart." 00:12:03.72\00:12:05.75 That's from 1 Thessalonians 2:14. 00:12:05.79\00:12:07.79 So God has entrusted to us not only His resources 00:12:07.82\00:12:10.76 but also for spreading of His word. 00:12:10.79\00:12:12.13 He could have told his angels to do it. 00:12:12.16\00:12:13.70 He said, I'm going to trust this to man. 00:12:13.73\00:12:15.33 Wow. Absolutely. 00:12:15.36\00:12:17.73 So we've identified the source, we've identified the resources, 00:12:17.77\00:12:21.97 we've identified trust 00:12:22.00\00:12:23.74 and so the last component of stewardship 00:12:23.77\00:12:26.11 is the actual steward. 00:12:26.14\00:12:27.64 Who is the steward? Okay. 00:12:27.68\00:12:30.45 And God said let us make man in our image 00:12:30.48\00:12:33.38 after our likeness 00:12:33.42\00:12:34.75 and let him have dominion over the fish of the sea, 00:12:34.78\00:12:37.05 over the fowl of the air and over the cattle 00:12:37.09\00:12:39.49 and all over the earth, 00:12:39.52\00:12:41.09 and over every creeping thing that creeps upon the earth." 00:12:41.12\00:12:44.19 And that's in Genesis. 00:12:44.23\00:12:46.23 And God created us, but after He created us, 00:12:46.26\00:12:49.56 He said, you've got all this. 00:12:49.60\00:12:51.87 I'm putting you in control of everything. 00:12:51.90\00:12:54.54 So that is saying that we are the stewards. 00:12:54.57\00:12:58.57 He created it and then He gave us charge over it 00:12:58.61\00:13:01.64 to care for it in the way that He directed. 00:13:01.68\00:13:05.25 Wow. He made it all for us. 00:13:05.28\00:13:07.05 Ebony, if you would share with us the next text. 00:13:07.08\00:13:08.88 Okay. 00:13:08.92\00:13:10.59 Psalms 8:4-6, "What is man that you should think of us. 00:13:10.62\00:13:15.06 Mere humans that you should care for us. 00:13:15.09\00:13:17.19 For you made us only a little lower than the angels. 00:13:17.23\00:13:20.33 And you crowned us with glory and honor. 00:13:20.36\00:13:22.40 You put us in charge of everything you made. 00:13:22.43\00:13:24.73 Giving us authority over all things." 00:13:24.77\00:13:27.17 Amen. 00:13:27.20\00:13:28.74 It can't get any clearer than that. 00:13:28.77\00:13:30.24 So we don't have to worry about 00:13:30.27\00:13:31.61 can we do something or should we try. 00:13:31.64\00:13:33.58 You're saying that God has given us complete authority 00:13:33.61\00:13:35.94 over the entire earth, 00:13:35.98\00:13:37.51 to try different things to stretch out, 00:13:37.55\00:13:41.05 and to grow and develop? 00:13:41.08\00:13:43.12 Absolutely. He did it all for us. 00:13:43.15\00:13:45.89 I mean... 00:13:45.92\00:13:47.26 Of course this world has been marred by sin, 00:13:47.29\00:13:49.22 but even in this sin-filled world there's still so much 00:13:49.26\00:13:51.49 good out there to experience and God, 00:13:51.53\00:13:53.43 He wants us to experience. 00:13:53.46\00:13:54.83 That's the part we really got to get clear. 00:13:54.86\00:13:57.43 Stewardship is not about what I can't have 00:13:57.47\00:13:59.67 and what I got to give and this and that. 00:13:59.70\00:14:01.24 No, it's about God wanting us, 00:14:01.27\00:14:03.10 wanting His stewards to enjoy what He gave to us. 00:14:03.14\00:14:06.84 It's just like, Karen, if I loan you my car, 00:14:06.88\00:14:10.05 you need it for a year. 00:14:10.08\00:14:11.41 Now I'm going to have some guidelines, 00:14:11.45\00:14:13.25 you know, I want you get the oil changed, 00:14:13.28\00:14:14.62 this kind of gas you use. 00:14:14.65\00:14:15.98 I'm going to tell you the best way 00:14:16.02\00:14:17.35 to take care of it, but and I want you to enjoy it. 00:14:17.39\00:14:20.06 And it's the same thing with God 00:14:20.09\00:14:21.42 but it's much more than just a car. 00:14:21.46\00:14:22.99 Wow. Much more. 00:14:23.02\00:14:24.36 Much more. 00:14:24.39\00:14:25.73 So we've covered all the areas 00:14:25.76\00:14:27.10 for stewardship and the resource. 00:14:27.13\00:14:28.83 Okay, are we ready for questions and answers? 00:14:28.86\00:14:31.20 Can we get to one more part? Okay, sure. 00:14:31.23\00:14:32.70 We've got to get to the last thing... 00:14:32.73\00:14:34.07 Absolutely. 00:14:34.10\00:14:35.44 This is the one. This is the one right here. 00:14:35.47\00:14:37.47 We've got to talk about the treasure, the money. 00:14:37.51\00:14:39.71 Oh, yeah, great. We got to talk about that. 00:14:39.74\00:14:41.51 Of course, you just gonna ask some money questions, okay. 00:14:41.54\00:14:43.58 Here comes the money. Let's do this first. 00:14:43.61\00:14:45.65 Let's dispel some myths about God and money. 00:14:45.68\00:14:48.32 I've got some written down here. 00:14:48.35\00:14:49.68 It says, here's a couple of myths we want to dispel. 00:14:49.72\00:14:51.92 Money is the root of all evil. That's a myth. 00:14:51.95\00:14:54.72 We shouldn't want to be rich. 00:14:54.76\00:14:57.06 Rich or wealthy people got their money 00:14:57.09\00:14:58.59 from being low down. 00:14:58.63\00:15:00.63 Rich people only think about money. 00:15:00.66\00:15:03.23 And rich people can't go to heaven. 00:15:03.26\00:15:04.60 Those are some myths. 00:15:04.63\00:15:05.97 We want to talk about some though. 00:15:06.00\00:15:07.34 Matter of fact, we've got scriptures 00:15:07.37\00:15:08.70 that talk about some of that. 00:15:08.74\00:15:10.07 Want to hit the first? Yeah, budgeting. 00:15:10.11\00:15:12.24 I have a great scripture about budgeting. 00:15:12.27\00:15:14.34 Proverbs 27:23, 00:15:14.38\00:15:16.71 "Know well the face of your flock, 00:15:16.75\00:15:18.58 and pay attention to your herds." 00:15:18.61\00:15:20.52 As we discussed earlier, 00:15:20.55\00:15:21.98 that was the currency of the day. 00:15:22.02\00:15:23.92 So what God is telling us in this scripture 00:15:23.95\00:15:26.25 is to watch over your money carefully. 00:15:26.29\00:15:30.23 It's not haphazard. 00:15:30.26\00:15:32.29 You should know this is where my money should go 00:15:32.33\00:15:35.73 and care for it as if you were caring for an animal. 00:15:35.76\00:15:40.74 That's pretty strong. 00:15:40.77\00:15:42.70 So you can't just go and spend any way 00:15:42.74\00:15:45.84 that you want or kind of impulse spending. 00:15:45.87\00:15:49.51 You're saying that it's like you would care for an animal 00:15:49.54\00:15:51.88 which you would, you know, 00:15:51.91\00:15:53.25 a flock of sheep, you know, a lamb. 00:15:53.28\00:15:55.58 You're gonna feed it, you're gonna water it, 00:15:55.62\00:15:57.25 you're gonna care for it. 00:15:57.29\00:15:58.62 And just like you were caring for an animal, 00:15:58.65\00:16:00.52 you don't feed them whatever. 00:16:00.56\00:16:02.19 You have a schedule. 00:16:02.22\00:16:03.63 So that same care should be taken 00:16:03.66\00:16:05.69 and used in our finances. 00:16:05.73\00:16:07.26 Absolutely, you can't... 00:16:07.30\00:16:08.63 Money left on its own will find something to do. 00:16:08.66\00:16:10.77 You have to tell it what to do. Wow. 00:16:10.80\00:16:15.14 So many of us we just earn, spend and pray. 00:16:15.17\00:16:19.61 Earn, spend and pray. 00:16:23.31\00:16:25.38 That's not what God would have us to do. 00:16:25.41\00:16:27.25 God wouldn't have us to do that. 00:16:27.28\00:16:28.62 He wouldn't have us to do that. 00:16:28.65\00:16:29.98 Here's a scripture 00:16:30.02\00:16:31.35 for some of your business owners out there. 00:16:31.39\00:16:32.72 It says, "Wealth obtained by fraud dwindles 00:16:32.75\00:16:35.19 but the one who gathers by labor increases it." 00:16:35.22\00:16:39.93 This scripture's telling us 00:16:39.96\00:16:42.43 don't look for fraudulent ways to try to get ahead. 00:16:42.46\00:16:46.40 You know even the fourth commandment... 00:16:46.43\00:16:48.40 Obviously it commands us to observe a day of rest, 00:16:48.44\00:16:54.01 but it also says six days shall you labor. 00:16:54.04\00:16:56.91 Okay, so it's also a commandment to work too. 00:16:56.95\00:16:59.48 We just kind of look over that one, 00:16:59.51\00:17:01.52 absolutely, so... 00:17:01.55\00:17:04.75 As the scripture says wealth obtained by fraud dwindles 00:17:04.79\00:17:07.06 but we are admonished to labor to increase our wealth. 00:17:07.09\00:17:11.46 And then contentment. 00:17:11.49\00:17:15.43 This scripture is about contentment. 00:17:15.46\00:17:17.30 "Keep your life free from the love of money 00:17:17.33\00:17:19.33 and be content with what you have." 00:17:19.37\00:17:22.30 One of the myths is that money is the root of all evil 00:17:22.34\00:17:27.58 and that you shouldn't love money 00:17:27.61\00:17:29.04 and you shouldn't love money, 00:17:29.08\00:17:30.75 but you should be content with what you have 00:17:30.78\00:17:34.82 but still try and gain more. 00:17:34.85\00:17:36.79 That doesn't mean that you shouldn't want more. 00:17:36.82\00:17:38.75 There's nothing wrong with wanting more. 00:17:38.79\00:17:40.86 And when people have money 00:17:40.89\00:17:43.19 they're free to do other things. 00:17:43.22\00:17:44.59 They're free to help people. 00:17:44.63\00:17:46.13 If you don't have any money, you really can't help people. 00:17:46.16\00:17:49.40 So it says that be at peace with what you have 00:17:49.43\00:17:53.80 but it's nothing wrong with trying to get more. 00:17:53.84\00:17:56.30 If I could add a little something to that. 00:17:56.34\00:17:59.11 The scripture is clear, it says 00:17:59.14\00:18:00.48 keep your life free from the love of money. 00:18:00.51\00:18:02.28 It's the love of money that's the root of all evil, 00:18:02.31\00:18:03.71 not money itself. 00:18:03.75\00:18:05.08 And Ebony hit the nail right on the head when she said, 00:18:05.11\00:18:07.85 when you look at contentment in this context, 00:18:07.88\00:18:09.98 what it's talking about is be at peace with what you have. 00:18:10.02\00:18:13.46 Being at peace with what you have right now 00:18:13.49\00:18:15.06 is not mutually exclusive from wanting something else. 00:18:15.09\00:18:18.76 It means you don't sacrifice your sanity 00:18:18.79\00:18:23.30 and your peace of mind to go gather things, 00:18:23.33\00:18:26.17 to always chasing something else. 00:18:26.20\00:18:28.00 It means, now be at peace with what you have 00:18:28.04\00:18:30.17 and follow God's plan, His economy 00:18:30.21\00:18:32.34 and He'll bless you with other things. 00:18:32.37\00:18:33.71 He obviously say, God says to me 00:18:33.74\00:18:35.08 and tells don't have an issue with things. 00:18:35.11\00:18:36.64 Just do it in its proper order. Seek ye first the kingdom. 00:18:36.68\00:18:38.78 I gave you these things. Things are nothing. 00:18:38.81\00:18:41.38 But you've got to keep it in the proper order. 00:18:41.42\00:18:43.95 Step by step by step. Step by step by step. 00:18:43.99\00:18:49.29 What about debt. Okay let's talk about debt. 00:18:49.32\00:18:51.56 Yeah talk about debt. 00:18:51.59\00:18:53.23 My goodness Americans are so much in debt. 00:18:53.26\00:18:55.36 I think we're probably like leading the debt 00:18:55.40\00:18:57.73 as far as individual households. 00:18:57.77\00:18:59.33 Is that right? Oh, absolutely. 00:18:59.37\00:19:00.70 It's growing every day. 00:19:00.74\00:19:02.57 How do people get caught up in that? 00:19:02.60\00:19:04.54 You know, people talk about credit cards. 00:19:04.57\00:19:06.34 Like the average American household 00:19:06.37\00:19:08.84 has like $25,000 in debt 00:19:08.88\00:19:11.81 between credit cards and other things. 00:19:11.85\00:19:14.15 Is that true, really? 00:19:14.18\00:19:15.52 Probably worse than that, 00:19:15.55\00:19:17.62 and it goes right back to the scripture I just read. 00:19:17.65\00:19:19.79 Not being content, not being at peace. 00:19:19.82\00:19:22.46 Sometimes we jump the gun... 00:19:22.49\00:19:23.83 Oftentimes we jump the gun. Here's what debt does. 00:19:23.86\00:19:26.39 Debt allows you to live... 00:19:26.43\00:19:28.66 It's a mechanism that allows you to live 00:19:28.70\00:19:30.07 beyond your means, all right. 00:19:30.10\00:19:31.87 So if you can structure your life 00:19:31.90\00:19:33.23 to live within your means and I know this sounds simple, 00:19:33.27\00:19:35.50 but if you can structure your life 00:19:35.54\00:19:36.87 to live within your means, 00:19:36.91\00:19:38.24 you can eliminate a lot of debt. 00:19:38.27\00:19:39.61 Another thing I'd like to add is, 00:19:39.64\00:19:41.41 when you take it from a scripture standpoint. 00:19:41.44\00:19:43.55 Debt in and of itself is not sinful. 00:19:43.58\00:19:45.88 But debt is a weight. 00:19:45.91\00:19:47.25 You know the scripture says, 00:19:47.28\00:19:48.62 let us lay aside every weight and sin 00:19:48.65\00:19:50.25 that so easily beset us. 00:19:50.29\00:19:51.62 Debt is something that brings us down. 00:19:51.65\00:19:53.56 It's a weight that brings us down to the point of sinning. 00:19:53.59\00:19:56.42 Here's a practical way what I mean by that. 00:19:56.46\00:19:58.99 If my life is entangled with debt, 00:19:59.03\00:20:01.40 it's going to be easier for me 00:20:01.43\00:20:03.77 to maybe consider working on the Sabbath 00:20:03.80\00:20:08.34 or maybe consider neglecting my family, 00:20:08.37\00:20:09.97 doing things that I know I shouldn't be doing. 00:20:10.01\00:20:12.44 Not returning a faithful tithe. 00:20:12.47\00:20:14.18 And hitting the casino. Right. 00:20:14.21\00:20:15.88 Because I'm so entangled with debt. 00:20:15.91\00:20:17.25 Matter of fact, I've got a scripture for you. 00:20:17.28\00:20:18.61 Here you go. 00:20:18.65\00:20:19.98 Proverbs 22:7 says, "The rich rules over the poor, 00:20:20.02\00:20:21.98 and the borrower becomes the lenders slave." 00:20:22.02\00:20:24.45 So whoever you allow yourself to owe, 00:20:24.49\00:20:26.59 that person controls a bit of your life. 00:20:26.62\00:20:28.26 And you can look up and you can be enslaved by debt 00:20:28.29\00:20:30.93 and it's driven some people to do some crazy things. 00:20:30.96\00:20:34.20 It really has. 00:20:34.23\00:20:36.87 Whenever you see debt mentioned in the Bible, 00:20:36.90\00:20:38.73 it always accompanies a warning. 00:20:38.77\00:20:40.97 You'll always see it with a warning. 00:20:41.00\00:20:42.40 And there's a reason for that, absolutely. 00:20:42.44\00:20:45.01 Wow. 00:20:45.04\00:20:46.47 That stop us cold in our tracks. 00:20:46.51\00:20:47.94 You going to give us some advice on how to... 00:20:47.98\00:20:50.88 for those of us who... 00:20:50.91\00:20:52.31 you know, for people who are kind of in debt or whatever? 00:20:52.35\00:20:55.62 You got some advice 00:20:55.65\00:20:56.99 on how to get out of that situation? 00:20:57.02\00:20:59.95 So we know that it's a weight, right, it's a bondage. 00:20:59.99\00:21:02.26 It kind of holds you down. 00:21:02.29\00:21:06.66 The best way to tackle debt is systematically. 00:21:06.70\00:21:10.50 Absolutely. 00:21:10.53\00:21:12.13 First live within your means. Okay. 00:21:12.17\00:21:16.14 So if you're not currently living within your means, 00:21:16.17\00:21:19.11 take an assessment 00:21:19.14\00:21:20.88 of how much money you have coming in 00:21:20.91\00:21:22.74 and what you have going out. 00:21:22.78\00:21:24.31 Anything that's not necessary, 00:21:24.35\00:21:26.28 that's causing you to live above your means, 00:21:26.31\00:21:28.72 eliminate it, because in order to tackle the debt, 00:21:28.75\00:21:31.35 you have to have extra money to be able to pay the debt. 00:21:31.39\00:21:35.02 Then after that hit it systematically, 00:21:35.06\00:21:37.43 say, I'm paying this. 00:21:37.46\00:21:41.40 Make sure everything's paid on time, 00:21:41.43\00:21:43.16 but put a little extra money toward a bill 00:21:43.20\00:21:45.87 until that bill is paid off. 00:21:45.90\00:21:47.37 And then extra money toward another bill 00:21:47.40\00:21:49.30 until that bill is paid off. 00:21:49.34\00:21:50.67 And just keep track and before you know it, 00:21:50.71\00:21:53.01 if you keep at it, you'll be out of debt. 00:21:53.04\00:21:56.54 I want to add one thing too. 00:21:56.58\00:21:58.01 Whenever you find yourself in the hole 00:21:58.05\00:21:59.41 and you want to get out 00:21:59.45\00:22:00.78 what's the first thing you should start doing. 00:22:00.82\00:22:02.15 Dig. Digging, right. 00:22:02.18\00:22:04.82 So let that be your starting point. 00:22:04.85\00:22:06.82 Make sure your mind is made up 00:22:06.86\00:22:08.26 because you're going to not use... 00:22:08.29\00:22:10.86 You know you got to stop using debt and credit. 00:22:10.89\00:22:15.36 We'll talk about it in another segment 00:22:15.40\00:22:16.93 but we developed something 00:22:16.97\00:22:18.63 where we have people classify what we call green debt, 00:22:18.67\00:22:21.07 yellow debt, red debt. 00:22:21.10\00:22:22.70 Give us that real quick, green debt, yellow debt, 00:22:22.74\00:22:25.11 all that debt, debt. 00:22:25.14\00:22:27.04 Red debt is purchasing things 00:22:27.08\00:22:28.71 that do not really have value to them whatsoever. 00:22:28.74\00:22:31.95 For instance, using debt to maybe buy gasoline, 00:22:31.98\00:22:35.75 vacations, clothes, things like that. 00:22:35.78\00:22:38.22 Using debt to get to those kinds of things... 00:22:38.25\00:22:40.19 Right, like swiping your credit card for vacation, 00:22:40.22\00:22:42.46 or for gas, or for clothing. 00:22:42.49\00:22:44.73 Absolutely, that's red debt, you got to stop immediately. 00:22:44.76\00:22:47.16 You can't get anything, buy for that. 00:22:47.20\00:22:48.60 Stop immediately! 00:22:48.63\00:22:49.96 You have to cut that out immediately. 00:22:50.00\00:22:51.37 Then you have yellow debt. 00:22:51.40\00:22:52.73 Yellow debt is what we say, 00:22:52.77\00:22:54.24 you may be purchasing an asset with the debt 00:22:54.27\00:22:56.30 but it's not an asset that's producing new income. 00:22:56.34\00:22:58.67 That's like a yellow light means proceed with caution. 00:22:58.71\00:23:02.18 This is yellow debt. 00:23:02.21\00:23:03.55 You can get it but use it very carefully. 00:23:03.58\00:23:05.55 Purchasing the home that you live in, 00:23:05.58\00:23:06.95 the car that you drive, 00:23:06.98\00:23:08.42 maybe appliances and things like that. 00:23:08.45\00:23:10.42 Oftentimes we have to use debt for these things 00:23:10.45\00:23:12.32 but you should do so very, very carefully. 00:23:12.35\00:23:15.49 And it needs to be debt that you can comfortably pay off. 00:23:15.52\00:23:20.16 Part of the reason why the housing bubble burst 00:23:20.20\00:23:22.53 is because people were getting houses 00:23:22.56\00:23:24.33 that they really couldn't afford. 00:23:24.37\00:23:25.93 So most people do have to go into debt for a house or a car. 00:23:25.97\00:23:31.14 But make sure it's something that you can afford long term. 00:23:31.17\00:23:34.38 Okay. 00:23:34.41\00:23:35.74 And the last one that we hit on is green debt. 00:23:35.78\00:23:37.25 Green debt is, can be kind of complicated, 00:23:37.28\00:23:40.98 but green means go, right? 00:23:41.02\00:23:42.48 So we just go, we just go into the debt. 00:23:42.52\00:23:44.99 Well, but you know, you don't do it like that. 00:23:45.02\00:23:48.46 Not quite like that? Not quite. 00:23:48.49\00:23:49.92 This is what we call good debt. 00:23:49.96\00:23:51.36 There is actually such thing as good debt. 00:23:51.39\00:23:52.73 Oh really? Yeah, it is. 00:23:52.76\00:23:54.43 This is where you're using debt 00:23:54.46\00:23:56.06 that you're going to buy an asset 00:23:56.10\00:23:57.67 such as a rental property 00:23:57.70\00:23:59.03 and you're going to earn more than the debt is costing you. 00:23:59.07\00:24:02.40 But even on to that you need to do that 00:24:02.44\00:24:04.04 under the careful guidance of someone 00:24:04.07\00:24:06.27 that knows what they're doing. 00:24:06.31\00:24:07.88 All right? Okay. 00:24:07.91\00:24:09.28 We definitely don't want to end our time here 00:24:09.31\00:24:11.18 without talking about the system. 00:24:11.21\00:24:13.55 God has designed a system for us 00:24:13.58\00:24:15.68 to be sure we can keep our life free from the love of money. 00:24:15.72\00:24:19.65 We've got to talk about this system. 00:24:19.69\00:24:21.02 Absolutely. It's such a beautiful system. 00:24:21.06\00:24:23.39 We call it tithes and offerings. 00:24:23.43\00:24:24.89 Amen to that. That's what this system is for. 00:24:24.93\00:24:26.63 That's how we balance, 00:24:26.66\00:24:28.00 how do we balance between being at peace 00:24:28.03\00:24:29.43 with what we have, not falling in love with money 00:24:29.46\00:24:32.50 and yet still have a desire for something better. 00:24:32.53\00:24:35.54 God put a system in place for that 00:24:35.57\00:24:36.97 and it's called tithes and offerings. 00:24:37.01\00:24:38.37 You want to get started on that? 00:24:38.41\00:24:41.98 When we talk about giving 00:24:42.01\00:24:45.75 God says in Proverbs 3:9-10, 00:24:45.78\00:24:48.88 "Honor the Lord from your wealth, 00:24:48.92\00:24:50.89 and from the first of all your produce. 00:24:50.92\00:24:52.92 So your barns will be filled with plenty, 00:24:52.95\00:24:54.66 and your vats will overflow with new wine." 00:24:54.69\00:24:57.73 One of the most important parts of those verses 00:24:57.76\00:25:00.70 is he says the first of your produce. 00:25:00.73\00:25:05.17 He doesn't want what's left over. 00:25:05.20\00:25:07.20 He blesses us, and blesses us and blesses us, 00:25:07.24\00:25:10.27 so He deserves the respect and honor to say you know what, 00:25:10.31\00:25:13.78 from what you've already give me, 00:25:13.81\00:25:15.58 because all of it is his, 00:25:15.61\00:25:17.05 I'm going to give you back the very first of it 00:25:17.08\00:25:20.02 and then I know that you can take care 00:25:20.05\00:25:21.72 of everything you need to take care of with the rest. 00:25:21.75\00:25:24.52 But how dishonorable would it be for us to say, 00:25:24.55\00:25:29.56 well, okay I'm going to take care 00:25:29.59\00:25:30.93 of all this other stuff 00:25:30.96\00:25:32.29 and whatever I have left, hey, you can have that God. 00:25:32.33\00:25:35.16 I know you gave it all to me, 00:25:35.20\00:25:36.53 but I'm going give you whatever I have left. 00:25:36.56\00:25:38.40 No such thing as consecrated leftovers with God. 00:25:38.43\00:25:41.24 He asks for the first. All right? 00:25:41.27\00:25:43.37 So you're saying swing the pendulum 00:25:43.41\00:25:45.87 from paying for your car note and your house note 00:25:45.91\00:25:48.81 and those things and then seeing what's left. 00:25:48.84\00:25:50.31 You're saying switch it upside down. 00:25:50.35\00:25:51.95 Absolutely, absolutely. 00:25:51.98\00:25:55.08 When God gave us His Son, 00:25:55.12\00:25:57.19 He gave us the best that He had. 00:25:57.22\00:25:59.35 We have to return the best. 00:25:59.39\00:26:03.09 Obviously there is no comparison 00:26:03.12\00:26:04.63 but we have to return to Him the very best that we have. 00:26:04.66\00:26:07.63 Like she said, the first 10 percent. 00:26:07.66\00:26:09.93 We know tithe stands for 10 percent, 00:26:09.96\00:26:11.33 but the tithe is the minimum requirement, okay. 00:26:11.37\00:26:15.24 After the tithe, of course, we have the offerings. 00:26:15.27\00:26:18.21 In Malachi, it doesn't say 00:26:18.24\00:26:19.64 you rob me in tithes or offerings. 00:26:19.67\00:26:22.01 He says you rob me in tithes and offerings. 00:26:22.04\00:26:24.05 And we need to be cognizant of that. 00:26:24.08\00:26:25.78 You have given us so much information today. 00:26:25.81\00:26:28.48 I mean lots of things that we could probably continue 00:26:28.52\00:26:30.75 to talk about all day. 00:26:30.79\00:26:32.25 But I don't want to close out the program 00:26:32.29\00:26:33.89 without asking for prayer for ourselves, myself, 00:26:33.92\00:26:38.46 the viewers that are watching, 00:26:38.49\00:26:40.06 as we're trying to become better stewards. 00:26:40.10\00:26:42.16 Would you mind offering prayer for us please? 00:26:42.20\00:26:43.67 Sure. Let us bow. 00:26:43.70\00:26:45.43 Lord thank you so much for another beautiful day. 00:26:45.47\00:26:47.60 Thank you for these concepts You've given us in Your word. 00:26:47.64\00:26:50.61 Lord, we ask right now that You will please help us 00:26:50.64\00:26:52.61 to be better stewards of what You've entrusted to us. 00:26:52.64\00:26:55.18 Help us first to recognize the relationship 00:26:55.21\00:26:57.01 that we have with You through this thing 00:26:57.05\00:26:58.98 called stewardship, Lord. 00:26:59.01\00:27:00.35 And we ask that You would please give us these concepts 00:27:00.38\00:27:02.98 more clearly that we may be better stewards. 00:27:03.02\00:27:05.72 And the main thing we want to hear, Father, 00:27:05.75\00:27:07.42 when You return, Lord, when you return, 00:27:07.46\00:27:09.32 that every steward wants to hear, 00:27:09.36\00:27:10.69 we want to hear the two words, well done. 00:27:10.73\00:27:12.93 This is our prayer in Christ Jesus' name we pray. 00:27:12.96\00:27:15.23 Amen. Amen, amen. 00:27:15.26\00:27:17.10 Thank you all so much for coming to the program. 00:27:17.13\00:27:19.73 And you are available? You travel at all? 00:27:19.77\00:27:22.94 Oh absolutely. 00:27:22.97\00:27:24.31 And you've got materials and things 00:27:24.34\00:27:26.44 that people can get hold of, okay. 00:27:26.47\00:27:27.94 Absolutely. So that's fantastic. 00:27:27.98\00:27:31.45 We all want to improve and become better stewards. 00:27:31.48\00:27:33.88 For those of you who are watching at home, 00:27:33.92\00:27:35.48 thank you so much for joining us. 00:27:35.52\00:27:37.99 We hope that it was helpful that we learned a lot more 00:27:38.02\00:27:40.76 about the different kinds of debt, 00:27:40.79\00:27:43.79 the resources that God has given to us 00:27:43.83\00:27:45.76 that we don't have to lack anything 00:27:45.79\00:27:47.90 because God has given us so much. 00:27:47.93\00:27:50.47 If you're interested in knowing more 00:27:50.50\00:27:51.93 about how to reach Reginald and Ebony Clark, 00:27:51.97\00:27:54.20 please contact us here at Dare to Dream Network. 00:27:54.24\00:27:57.24 We'd love to hear from you. 00:27:57.27\00:27:58.61 We'd like to hear your questions and your comments 00:27:58.64\00:28:00.54 and keep the conversation going. 00:28:00.58\00:28:02.84 Again thank you for joining us and we just ask 00:28:02.88\00:28:06.11 that God would continue to just be a blessing into your life 00:28:06.15\00:28:09.52 and may we give Him our very best, 00:28:09.55\00:28:11.55 give Him our first fruits, our abilities, our plans, 00:28:11.59\00:28:15.22 our dreams, our goals, our ideals. 00:28:15.26\00:28:17.63 God bless. 00:28:17.66\00:28:18.99