The Bible tells us, "In
the beginning was the Word,
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and the Word was with
God, and the Word was God."
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It says, "To
receive with meekness
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the implanted Word,
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which is able to save your souls
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and to be diligent to present
yourself approved to God,
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rightly dividing
the Word of truth."
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Join us now for the
3ABN Sabbath School Panel.
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Our study today is
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"Stewardship,
Motives of the Heart."
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Hello, friends,
and welcome to our
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3ABN Sabbath School Panel,
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it's always a
blessing to have you
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come into our home,
as we come into your home
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or wherever you may be
viewing this program from,
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and it's always good
to have a wonderful panel.
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I always like an amen. Amen.
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And it's good to see
you Jill, and Mollie,
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and Pastor Kenny, and Shelley.
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And we're continuing
in this dynamic study,
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"Stewardship,
Motives of the Heart."
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Hasn't this been
a dynamic lesson?
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Yes, it has.
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I mean, I've learned,
it's hard to include ourselves
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in a study like
this and not say,
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"We've learned
something that the Lord
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had not revealed to us before."
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That's right.
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And so, if you have your Bibles
and your pens, that's good.
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But if you like a
copy of the lesson,
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go to this following website,
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ABSG.Adventist.org
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and download a
copy of the lesson
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or if you already have one,
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just go to lesson 11,
Debt a Daily Decision,
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or if you don't have one,
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look for a local
Seventh-day Adventist church,
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and I'm sure they'll
be glad to include one,
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to give you one, to be
part of their fellowship.
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And anytime you can find a
Bible study church like that,
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the Lord is calling you
to take you a step higher.
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But before we go any further,
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we always like to
begin with prayer.
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And, Jill, would you have prayer
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for us this morning?
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Absolutely, let's pray.
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Holy Father, we come
before You in the name of Jesus.
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And we thank You, first of all,
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that You paid our
debt that we could be free.
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We ask right now as
we open up Your Word
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and study principles from it.
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That You would
enlighten our minds
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and understandings
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and that we would make choices
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that bring honor
and glory to You.
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And we thank You
in Jesus' name, amen.
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Amen. Amen.
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Now each one of us has
a different data cover,
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and as I mentioned
before the title of this lesson
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for this particular day
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or for this
particular week March 10 to 16
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is Debt a Daily Decision.
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Every day we make
decisions about whether or not
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we want to go deeper in debt
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or we want to
eliminate some of our debt.
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And debt is an easy
thing to get involved in.
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I think of the sales,
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you know, whenever you
get to holiday seasons...
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And I think in America
more of our holiday seasons
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are surrounding ways of
trying to get us more in debt.
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Yes.
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Even when you have good credit,
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credit car companies
are sending you letters,
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they want to give you refinance,
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zero percent for
the next 6 months,
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and all of a
sudden it goes to 24%.
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And in the small print...
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I've seen some
of those contracts.
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Have you seen those
credit card contracts?
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When you open a
credit card contract,
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they find the smallest
font, I think three point,
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you can't read it.
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And even when you
go to the website,
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you know, scroll
all way down it's like,
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you know, war and
peace, and they say,
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"Click here if you agree
with all the conditions."
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And when you get
the first bill you said,
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"I didn't agree
with those conditions."
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It said what's
in the fine print.
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And as we have said
before when it comes to credit,
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the devil is in the details.
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But I looked up a couple of
statistics just to side them
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but before we do that,
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let's read our
memory verse together.
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If you have your Bibles,
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it's the New
International Version
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for this particular memory text.
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And it's Romans 13:7, 8.
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Let's read this together.
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"Give to everyone
what you owe them.
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If you owe taxes, pay
taxes, if revenue, then revenue,
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if respect, then
respect, if honor, then honor.
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Let no debt remain outstanding,
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except the continuing
debt to love one another,
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for whoever loves
others has fulfilled the law."
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I would haste to say that
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whoever was a
part of the committee
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that transition, this
was in a modern setting
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because some of these words
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you can see are
focused on really how we deal
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with life from day to day.
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Very interesting, I
went to credit.com to come,
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to find out just
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some basic questions
about debt in America.
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And in America,
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we have
statistics for everything.
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In America we have a
name for every disease.
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We have conditions
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that don't exist
in other countries.
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I remember years ago
when we talked about...
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What's that disease in America
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that we have when people
have a learning disability?
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Okay, I caught you all up...
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Learning disabled as all
I can think of I don't know.
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Well, dyslexia. Oh, yeah. Okay.
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Dyslexia, reading disability.
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Well, I found out in
Japan they don't have dyslexia,
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there's no such word
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that may be why
they learn so quickly.
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Because in that society
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they have not embraced
this idea that you cannot read.
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And some of the
greatest inventions,
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some of the greatest
technological inventions
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come out of those countries
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where they don't have words
to foster your inabilities.
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But in America
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we have
statistics for everything.
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For example,
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according to credit.com as
of August 3, 2015, it says,
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"The vast majority of
Americans are in debt.
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According to a report
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from Pew Charitable
Trust published in July,
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for the most
part that debt comes
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from what many people
would call a good thing,
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home ownership.
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Of the 80% of
Americans with debt,
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44% have mortgage debt."
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And that is a debt
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that I think it comes
into the acceptable category
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except when you had
what happened in 2008,
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the market downturn
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and then in some
states like Texas
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and many other, California,
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thousands and thousands
of homes were available
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because people got into
debt with variable rates.
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You know, they got into a
home with maybe 4% interest.
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And they said, "Well,
that's going to change."
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And before they knew it
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two years later,
they were at 24%.
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Some 31% interest.
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And they just walked
away from their homes.
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Left entire
neighborhoods like ghost towns.
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But so you have
to be very careful,
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the other thing
that was pointed out,
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it says,
"Americans may soon have
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as much credit card debt
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as they did during
the great recession.
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The average US household owes
$16, 061 in credit card debt
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up from 10% from
$14,546 in 2006."
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According to analysis released
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by personal
finance company NerdWallet.
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And that was the
company that traces debt.
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But the Lord never
intended for us to be in debt,
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yet at certain
intervals in our lives
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everyone needs a helping hand.
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It's amazing how statistics
often become important to us
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when we get older.
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I read a statistic that I
wish I would knew when I was 14.
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It was pointed out
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that if you put
away $100 a week,
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and don't touch it for 30 years,
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you'll have over
million dollars saved.
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It's just $100 a week.
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If I had known that at 14 years,
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well, I'd been
a millionaire now.
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How many of us would have
been in the same category.
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Hundred dollars a
week, don't touch it,
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just put it in the
bank, let it draw interest,
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and you have over
million dollars in cash.
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And that's it.
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That's 30 years later,
so by the time you get 40,
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you could be a millionaire.
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But according to the scriptures,
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there are number of
principles bought out
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in Sunday about
borrowing and spending.
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Well, wonderful examples.
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But what is borrowing?
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Couple of examples,
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using something that
belongs to another person
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or another institution.
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Debt in fact is when
you don't have someone,
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or some institution, some
bank, some lending company
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will in fact
extend credit to you.
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And there is some people that
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they're driven by
the next greatest thing.
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I've known them, some
cases where people say,
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"My car is fully paid for,
but I want to go on a vacation.
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So I'm going to go
ahead and get a loan
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and put my car
up as collateral."
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"Or I want to
start a business now
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I put my home up as collateral."
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They put those things
that are secure on the line
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and they put it at risk
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because of something
that they desire to have.
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So let's look at couple
of passages in the Bible.
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"A borrowing is also increasing
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your responsibility
to another individual
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or creating an indebted
relationship with someone.
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One of the principles we
have, my wife and I have is,
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if somebody in our
family ask for money,
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we just give it to them.
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That's right. Yes.
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Because it's
nothing more uncomfortable
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than being
around a family member
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that owes you money.
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'Cause, "How you're doing, Jill?
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I'm looking for
that money you owe me.
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Don't worry, I'm
not upset with you."
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And every time they see you,
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"Don't worry, I
didn't forget you,
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I'll pay you, I promise.
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I give you $20 this week
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and if I could
work something out,
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I mean, when my taxes come in."
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Whenever a family member
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or somebody you
can sit close enough
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has a need do like
the New Testament Church.
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Don't consider
yours, bear their burden
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if the Lord has
blessed you in such a way.
00:09:27.40\00:09:29.26
But some of the
scriptures in the Bible
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that point out the
diabolical nature of debt.
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Let's look at
Psalm 37:21. Psalm 37:21.
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And there are so
many kinds of debts
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that we can get
into as you turn there,
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I was thinking of
credit card debt, car loans,
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home loans, student
loans, store credit cards,
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equity loans, refinancing,
variable rate mortgages.
00:09:46.41\00:09:50.22
And in our world today,
00:09:50.25\00:09:51.59
it's almost impossible in
America or around the world
00:09:51.62\00:09:54.19
to do anything
get on any airline,
00:09:54.22\00:09:56.12
travel to any hotel,
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rent any car
without a credit card.
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When it was
supposed to be something
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that was optional,
when I was growing up.
00:10:01.80\00:10:04.17
Psalm 37:21, do
you have that, Shelley?
00:10:04.20\00:10:06.63
Yes.
00:10:06.67\00:10:08.00
"The wicked
borrows and does not repay,
00:10:08.04\00:10:10.41
but the righteous
shows mercy and gives."
00:10:10.44\00:10:13.27
All right.
00:10:13.31\00:10:14.64
Now that text
kind of makes it...
00:10:14.68\00:10:17.88
It's talking about
the wicked that borrow
00:10:17.91\00:10:19.95
but not everybody
that borrow is wicked.
00:10:19.98\00:10:21.38
Yes.
00:10:21.42\00:10:22.75
Okay, so I, kind
of, put that together
00:10:22.78\00:10:24.29
because we've all borrowed
at one point or another.
00:10:24.32\00:10:27.09
We don't get a loan
with a gun to the prick,
00:10:27.12\00:10:28.66
"Give me that money,
00:10:28.69\00:10:30.03
and I'll pay it
back if I want to."
00:10:30.06\00:10:31.39
But it says it's talking
about the ones who are wicked
00:10:31.43\00:10:34.16
and they borrowed,
they don't want to repay.
00:10:34.20\00:10:37.33
There you go. They
don't want to repay.
00:10:37.37\00:10:39.43
And some people that borrow,
00:10:39.47\00:10:41.50
you'll never
hear from them again.
00:10:41.54\00:10:43.17
They just leave town or...
00:10:43.20\00:10:44.54
"What happened to so
and so?" "I don't know."
00:10:44.57\00:10:45.91
"Are they still alive?"
00:10:45.94\00:10:47.48
That's the wicked that
borrow and do not want to repay.
00:10:47.51\00:10:50.35
Ecclesiastes 5:5 is
another very powerful text
00:10:50.38\00:10:53.38
about avoiding the
pitfalls of borrowing.
00:10:53.42\00:10:56.82
Avoiding the
pitfalls of borrowing.
00:10:56.85\00:10:59.35
Let's see whoever gets to
that. Looks like Jill got there.
00:10:59.39\00:11:02.26
Ecclesiastes 5?
Ecclesiastes 5:5.
00:11:02.29\00:11:05.83
"Better not to vow
than to vow and not pay."
00:11:05.86\00:11:09.43
Matter of fact, read verse 4
00:11:09.46\00:11:10.97
because that has
the scenario, all right?
00:11:11.00\00:11:13.07
"When you make a vow to
God, do not delay to pay it,
00:11:13.10\00:11:15.74
for He has no pleasure in fools.
00:11:15.77\00:11:18.11
Pay what you have vowed.
00:11:18.14\00:11:19.51
Better not to vow
than to vow and not pay."
00:11:19.54\00:11:22.01
And in the next verse,
I think what does it say?
00:11:22.04\00:11:23.51
"Do not let your mouth
cause your flesh to sin."
00:11:23.55\00:11:26.21
Wow.
00:11:26.25\00:11:27.62
And say before
God it was a mistake.
00:11:27.65\00:11:29.25
That's right. Right.
00:11:29.28\00:11:30.62
So people will say...
00:11:30.65\00:11:32.35
And I've talked
about this before,
00:11:32.39\00:11:33.72
I think I mentioned this
maybe in one of our programs
00:11:33.76\00:11:35.82
or whether on air or not,
00:11:35.86\00:11:37.86
but you also have to be
careful in making pledges.
00:11:37.89\00:11:40.20
Amen.
00:11:40.23\00:11:41.56
Because pledges is just as
00:11:41.60\00:11:45.87
a level of accountability
when you make pledges.
00:11:45.90\00:11:48.40
For example,
churches they're saying,
00:11:48.44\00:11:50.24
"We have to pay
our mortgage off."
00:11:50.27\00:11:51.61
And so people say,
00:11:51.64\00:11:52.97
"I'll give a
$100, I'll give $200."
00:11:53.01\00:11:55.14
And then the other one says it
00:11:55.18\00:11:56.54
without consulting the husband
or the wife, and they say,
00:11:56.58\00:11:59.55
"Do you realize
what you just did?
00:11:59.58\00:12:01.45
We can't afford $200 a month."
And you put yourself in debt.
00:12:01.48\00:12:04.82
But if you do that
00:12:04.85\00:12:06.19
don't be an Ananias and Sapphira
00:12:06.22\00:12:08.32
if you don't
know who they are...
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I think it's in
Acts 5, a horrible story.
00:12:09.76\00:12:12.89
They made a pledge and
when God prospered them,
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here is what's you
can get the grantee.
00:12:15.60\00:12:17.30
Whatever you give to the
Lord out of an honest heart,
00:12:17.33\00:12:19.53
He's going to bless.
00:12:19.57\00:12:21.24
But if you give to the
Lord, He's going to bless.
00:12:21.27\00:12:23.91
But don't give to the Lord
out of a desire to be gratified
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or to be praised publicly
00:12:27.84\00:12:30.45
but privately you really want
00:12:30.48\00:12:32.58
just your own
personal financial gain.
00:12:32.61\00:12:35.28
I began to look up that
story and I thought if this way,
00:12:35.32\00:12:38.19
if the Lord dealt with people
00:12:38.22\00:12:39.55
that did what
Ananias and Sapphira had done
00:12:39.59\00:12:42.72
there'll be so many
dead church members.
00:12:42.76\00:12:44.93
I did a sermon once called
heart attacks in holy places,
00:12:44.96\00:12:46.80
and it was about
Ananias and Sapphira.
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I remember.
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But I read...
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And Ellen White pointed
out, she says the reason
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why the Lord dealt
so strictly with them
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at the
establishment of the church,
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He wanted us to understand
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that when we make a
financial pledge to God
00:12:59.27\00:13:02.48
don't think that
He's taking that lightly.
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Because you're
affecting the work,
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and you are not being honest
before God, as Peter said,
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"You've lied to the Holy Spirit,
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you've lied to God."
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And they had a burial that day.
00:13:13.32\00:13:15.09
You know what, I
just thought about it
00:13:15.12\00:13:16.46
that might be
why so many churches
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have a cemetery
on their backyard.
00:13:18.13\00:13:21.30
It may be still
happening, I don't know.
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But look at another
one, Deuteronomy 28:44, 45.
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I've seen a lot of
churches out here on the country
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with cemeteries with
increasing membership.
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That's true.
Mollie, you have that one?
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Yes, I do.
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"He shall lend to thee,
and thou shall not lend to him.
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He shall be the head,
and thou shall be the tail."
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Verse 45,"
Moreover all these curses
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shall come upon thee,
and shall pursue thee,
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and overtake thee,
till thou be destroyed
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because thou hearkenedst not
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unto the voice
of the Lord thy God,
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to keep His
commandments and His statutes
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which He commanded thee."
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It talks about when
you lend and he lends,
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let there be an
honest fiduciary relationship
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between you and
the other individual.
00:14:08.68\00:14:10.75
And in all you're purchasing,
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"Owe no one anything
except to love one another."
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Romans 13:8.
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Amen. Ms. Jill?
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It's your round.
Thank you, Pastor John.
00:14:18.12\00:14:19.45
It's wonderful.
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God calls us, you know,
the area of stewardship impacts
00:14:20.86\00:14:24.16
every aspect of
our lives, you know?
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It's who we are as Christians,
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it's not only our time
and our talents and priority
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but the money, and it
comes into everything.
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My day is Monday,
00:14:33.77\00:14:35.30
which is stewardship
and instant gratification.
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You know when I was...
00:14:38.44\00:14:39.77
Wow, what a topic. It is.
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When I was a kid, we
didn't have cell phones.
00:14:41.18\00:14:45.11
But I have my cell phone
sitting right here on the set.
00:14:45.15\00:14:47.28
And when I got my cell phone,
00:14:47.32\00:14:49.28
and then you kind of
become joined at the hip
00:14:49.32\00:14:51.09
with your cell
phone because of emails,
00:14:51.12\00:14:53.19
and texting, and
work related stuff.
00:14:53.22\00:14:55.96
If I'm trying to send an
email, and it's not going,
00:14:55.99\00:14:58.69
and you're trying to
refresh it and hurry up,
00:14:58.73\00:15:01.50
or you're trying
to Google something,
00:15:01.53\00:15:03.53
and it's taking time to load.
00:15:03.57\00:15:05.47
Sometimes I'm like,
"Hurry up. Hurry up.
00:15:05.50\00:15:08.60
What's wrong with you?"
00:15:08.64\00:15:09.97
Now when I was a kid...
00:15:10.01\00:15:11.34
You're not addicted, are you?
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I'm just...
00:15:12.74\00:15:14.08
So when I was
young, Pastor John,
00:15:14.11\00:15:17.01
I could not have
gotten information that fast.
00:15:17.05\00:15:19.71
That's true.
00:15:19.75\00:15:21.08
If I had wanted to
correspond with someone,
00:15:21.12\00:15:22.45
I would have
had to send a letter
00:15:22.48\00:15:24.52
or in the days when
then we developed emails
00:15:24.55\00:15:27.99
but now you can
text someone instantly.
00:15:28.02\00:15:29.92
If you wanted information
instead of going to Google,
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you would have to open up
00:15:32.13\00:15:33.46
the dictionary
or the encyclopedia.
00:15:33.50\00:15:35.36
We are in a culture
of instant gratification.
00:15:35.40\00:15:38.73
And you wonder why
00:15:38.77\00:15:40.10
they don't get
back to you right away.
00:15:40.14\00:15:41.47
Absolutely. See, that's right.
00:15:41.50\00:15:43.30
So anything
today can be delivered.
00:15:43.34\00:15:45.37
We deliver food,
people deliver flowers,
00:15:45.41\00:15:48.11
people deliver furniture,
00:15:48.14\00:15:49.54
they can even
deliver clean laundry
00:15:49.58\00:15:51.91
if you don't want
to do your laundry.
00:15:51.95\00:15:53.62
They deliver
groceries to your doorstep,
00:15:53.65\00:15:57.49
they deliver
instant answers on Google
00:15:57.52\00:16:00.19
or on your phone
or your computer.
00:16:00.22\00:16:02.76
People don't
want to wait in line.
00:16:02.79\00:16:04.43
You know, if you
go to Disney World
00:16:04.46\00:16:05.79
if you pay more, you
don't have to wait in line,
00:16:05.83\00:16:09.00
and you can go right
to the front of the line
00:16:09.03\00:16:10.77
if you're willing to pay more.
00:16:10.80\00:16:12.40
People are willing to
pay more for faster internet
00:16:12.43\00:16:14.74
so they don't have to
wait for their YouTube video
00:16:14.77\00:16:17.27
or whatever
they're watching to load.
00:16:17.31\00:16:19.77
We live in that age
of instant gratification.
00:16:19.81\00:16:22.04
Now you might say, Ms.
Mollie, this is a current thing,
00:16:22.08\00:16:25.31
but I think
instant gratification
00:16:25.35\00:16:26.82
goes all the way
back to the beginning.
00:16:26.85\00:16:28.82
You think about
Genesis 3, the entrance of sin.
00:16:28.85\00:16:33.49
And we won't turn there
00:16:33.52\00:16:34.86
but in verse 6
it talks about Eve,
00:16:34.89\00:16:36.73
and she saw...
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Remember, she coveted the tree,
she saw that the food was good,
00:16:38.13\00:16:42.33
she wanted to be made wise,
00:16:42.36\00:16:44.73
no it was the
lure of being wise,
00:16:44.77\00:16:46.23
it wasn't reality
but she wanted that.
00:16:46.27\00:16:49.54
And she took and she ate.
00:16:49.57\00:16:52.74
So what caused
that desire in her
00:16:52.77\00:16:55.41
to give in to that sin
of instant gratification?
00:16:55.44\00:16:59.15
It was the desire
for food and pleasure,
00:16:59.18\00:17:01.45
maybe the lure
of what she thought
00:17:01.48\00:17:03.05
she'd become wise.
00:17:03.08\00:17:04.55
But I would say it was giving in
00:17:04.59\00:17:06.05
to emotions and feelings.
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If you think about
David with Bathsheba.
00:17:08.96\00:17:11.06
2 Samuel 11, remember,
he looked, he looked again,
00:17:11.09\00:17:15.93
and lingered, and then he took.
00:17:15.96\00:17:20.24
So what caused his
fall in that same thing
00:17:20.27\00:17:24.31
with that instant gratification.
00:17:24.34\00:17:25.87
Now maybe it could be
his desire for pleasure
00:17:25.91\00:17:28.04
or maybe it
could be his lingering,
00:17:28.08\00:17:30.15
but really he's giving in
00:17:30.18\00:17:32.21
to his emotions
and his feelings,
00:17:32.25\00:17:35.22
the same thing as Eve.
00:17:35.25\00:17:36.85
Let's look at
another, Jacob and Esau.
00:17:36.89\00:17:38.42
And let's look
this up. Genesis 25.
00:17:38.45\00:17:41.42
This is when Esau
sold his birthright
00:17:41.46\00:17:44.76
to his brother Jacob.
00:17:44.79\00:17:46.63
Genesis 25, we'll
start in verse 29.
00:17:46.66\00:17:51.57
Genesis 25:29.
00:17:51.60\00:17:56.57
Jacob cooked a stew,
00:17:56.60\00:17:57.97
and Esau came in from the field,
00:17:58.01\00:17:59.41
and he was weary."
00:17:59.44\00:18:01.58
In the Hebrew it
means exhausted, faint,
00:18:01.61\00:18:05.41
he literally was weary.
00:18:05.45\00:18:08.08
"And Esau said to
Jacob, 'Please feed me
00:18:08.12\00:18:10.69
with that same red
stew, for I am weary.'
00:18:10.72\00:18:14.16
Therefore his
name was called Edom.
00:18:14.19\00:18:15.79
But Jacob said,"
00:18:15.82\00:18:17.16
Jacob is taking
advantage of a situation here,
00:18:17.19\00:18:19.93
'Sell me your
birthright as of this day.'
00:18:19.96\00:18:22.33
And Esau said,
'Look, I am about to die,
00:18:22.36\00:18:25.27
so what is this
birthright to me?'
00:18:25.30\00:18:28.47
Then Jacob said,
'Swear to me as of this day.'
00:18:28.50\00:18:30.87
So he swore to him,
00:18:30.91\00:18:32.24
and sold his
birthright to Jacob.
00:18:32.27\00:18:34.58
And Jacob gave Esau
bread and stew of lentils.'"
00:18:34.61\00:18:37.95
Then we see four
quick action verbs
00:18:37.98\00:18:39.98
taking place here with Esau.
00:18:40.02\00:18:41.55
"He ate and drank,
arose, and went his way.
00:18:41.58\00:18:47.09
Thus Esau
despised his birthright."
00:18:47.12\00:18:50.49
Because gave in to
instant gratification.
00:18:50.53\00:18:54.73
You could say it was
because of his weariness,
00:18:54.76\00:18:56.90
you could say because
of his desire for food,
00:18:56.93\00:18:59.33
but really what happened there
00:18:59.37\00:19:00.74
is the same as what happened
with Eve and with King David,
00:19:00.77\00:19:04.07
he gave in to his
emotions and his feelings.
00:19:04.11\00:19:09.08
By contrast, we look
at delayed gratification.
00:19:09.11\00:19:14.42
Think about Moses.
00:19:14.45\00:19:16.72
Hebrews 11:25, 26.
00:19:16.75\00:19:21.22
Moses choosing
rather to suffer affliction
00:19:21.26\00:19:24.23
with the people of God
00:19:24.26\00:19:25.69
than to enjoy
the passing pleasures
00:19:25.73\00:19:28.30
of sin for a season.
00:19:28.33\00:19:29.76
As steaming the reproach
00:19:29.80\00:19:31.13
of Christ greater riches
00:19:31.17\00:19:32.90
than the treasures in Egypt
00:19:32.93\00:19:34.27
for he looked to the
recompense of the reward.
00:19:34.30\00:19:37.21
So Moses could have said,
"Well, it's easier in Egypt."
00:19:37.24\00:19:42.94
It feels good for me right now,
00:19:42.98\00:19:46.21
but he pushed
aside his feelings,
00:19:46.25\00:19:49.02
he made a choice of his
will, and he chose God's way
00:19:49.05\00:19:52.85
which was painful at the moment
00:19:52.89\00:19:54.86
but the reward
was out of this world.
00:19:54.89\00:19:58.93
I think about Jesus. Literally.
00:19:58.96\00:20:00.50
Literally. See, that's right.
00:20:00.53\00:20:02.56
You think about
Jesus in Matthew 4,
00:20:02.60\00:20:06.13
remember the three temptations
when Satan came to Him.
00:20:06.17\00:20:10.31
There was appetite, and
you think Jesus was hungry.
00:20:10.34\00:20:14.34
Now Esau, when he
ate his bowl of lentils
00:20:14.38\00:20:17.98
so he was weary,
00:20:18.01\00:20:19.58
yes, but Jesus had
fasted 40 days and 40 nights.
00:20:19.61\00:20:25.12
So he was literally
starving much more than Esau
00:20:25.15\00:20:29.42
was just when he
came in from the hunt.
00:20:29.46\00:20:31.49
And yet Jesus chose to delay
his immediate gratification,
00:20:31.53\00:20:36.10
He chose to delay that
because of the sin of that.
00:20:36.13\00:20:40.00
He overcame an appetite,
we have the presumption,
00:20:40.04\00:20:42.40
we have the worship.
00:20:42.44\00:20:43.77
Remember, Satan said,
"I'll give you all of this
00:20:43.81\00:20:45.21
if you just bow
down and worship me."
00:20:45.24\00:20:47.41
So what caused Jesus to
be able to lay that desire
00:20:47.44\00:20:51.41
for gratification,
obedience to God's Word,
00:20:51.45\00:20:55.35
knowledge of God's Word,
00:20:55.38\00:20:57.35
He made a choice
and really you could say
00:20:57.39\00:20:59.72
He did not rely on his
emotions and His feelings.
00:20:59.75\00:21:02.79
To me that's the difference
between instant gratification.
00:21:02.82\00:21:06.66
I see it, I want it...
00:21:06.70\00:21:08.03
We did a lesson before on that,
00:21:08.06\00:21:09.40
I see I want to take
that would be instant, okay?
00:21:09.43\00:21:12.33
I just give in to my
feelings at this moment
00:21:12.37\00:21:15.20
where if we delay something,
I'm not acting on impulse,
00:21:15.24\00:21:19.77
I'm not acting on emotion,
00:21:19.81\00:21:21.84
I'm making a
choice on principle,
00:21:21.88\00:21:25.38
that's the principle
of delayed gratification.
00:21:25.41\00:21:29.18
Let's look at how we can
learn delayed gratification,
00:21:29.22\00:21:32.05
five keys that I need
to learn in my own walk
00:21:32.09\00:21:36.42
for delayed gratification.
00:21:36.46\00:21:37.99
And let's see
if each one of you,
00:21:38.03\00:21:39.36
could you take a scripture here?
00:21:39.39\00:21:40.73
Sure.
00:21:40.76\00:21:42.40
Pastor John, I
give you Matthew 16:24,
00:21:42.43\00:21:45.63
Mollie, Matthew 6:33,
00:21:45.67\00:21:47.87
Pastor Kenny, Luke 14:28,
00:21:47.90\00:21:52.27
and then, Shelley,
I'll give you Hebrews 11,
00:21:52.31\00:21:55.34
we read that
before Hebrews 11:25, 26.
00:21:55.38\00:21:57.98
So how do we learn
delayed gratification?
00:21:58.01\00:22:01.38
Pastor John, Matthew
16:24. Matthew 16:24.
00:22:01.42\00:22:04.89
I'm sorry. No problem.
00:22:04.92\00:22:06.25
Not you. Matthew 16:24.
00:22:06.29\00:22:09.22
All right.
00:22:09.26\00:22:10.59
"Then Jesus said
to His disciples,
00:22:10.63\00:22:12.26
'If anyone
desires to come after Me,
00:22:12.29\00:22:14.80
let him deny himself,
00:22:14.83\00:22:16.97
and take up his
cross, and follow Me."
00:22:17.00\00:22:19.93
Yes, so the first step
to delayed gratification
00:22:19.97\00:22:22.50
is to deny ourselves.
00:22:22.54\00:22:23.87
That's right.
00:22:23.91\00:22:25.24
We talked about giving
in to feelings and emotions
00:22:25.27\00:22:28.44
but when we learn
delayed gratification,
00:22:28.48\00:22:30.78
we choose to deny ourselves.
00:22:30.81\00:22:33.25
Number two, Mollie,
you have Matthew 6:33.
00:22:33.28\00:22:36.92
"But seek ye first the kingdom
of God and His righteousness,
00:22:36.95\00:22:40.56
and all these things
shall be added unto thee."
00:22:40.59\00:22:43.59
So I call this step
number two, prioritize.
00:22:43.63\00:22:46.46
Prioritize what really
is important in your life.
00:22:46.49\00:22:49.93
Now, is eating this ice
cream right now important?
00:22:49.96\00:22:53.34
Or is me choosing,
00:22:53.37\00:22:54.87
maybe I'm trying to lose weight.
00:22:54.90\00:22:56.24
And I'm saying,
00:22:56.27\00:22:57.61
"I'm going to give
this up because this,
00:22:57.64\00:22:59.94
the end goal is
more important to me."
00:22:59.97\00:23:01.68
Prioritize what
is important to you.
00:23:01.71\00:23:03.55
Pastor Kenny,
you have Luke 14:28.
00:23:03.58\00:23:08.68
"For which of you,
intending to build a tower,
00:23:08.72\00:23:11.59
sitteth not down
first, and counteth the cost,
00:23:11.62\00:23:14.79
whether he have
sufficient to finish it?"
00:23:14.82\00:23:17.66
So number three is plan.
00:23:17.69\00:23:20.40
We need to plan,
00:23:20.43\00:23:21.90
we need to deny
ourselves prioritize
00:23:21.93\00:23:24.50
and then make a plan.
00:23:24.53\00:23:26.17
And, Shelley, if you
could read Hebrews 11:25, 26?
00:23:26.20\00:23:29.77
Speaking of Moses,
00:23:29.80\00:23:31.21
"So he would choose
rather to suffer afflictions
00:23:31.24\00:23:33.71
with the people of God
00:23:33.74\00:23:35.08
than to enjoy the
passing pleasures of sin,
00:23:35.11\00:23:38.41
esteeming the reproach
of Christ greater riches
00:23:38.45\00:23:41.52
than the treasures in Egypt,
for he looked to the reward."
00:23:41.55\00:23:45.95
So number four is to
understand the reward.
00:23:45.99\00:23:48.79
You know, we never
deny ourselves anything
00:23:48.82\00:23:51.26
if we don't understand
what's coming in the future.
00:23:51.29\00:23:54.40
And the reward we
have as Christians,
00:23:54.43\00:23:57.03
as following the Lord Jesus
is truly out of this world.
00:23:57.07\00:24:01.17
So the peace, the
joy, the eternal life,
00:24:01.20\00:24:03.87
and so to me we
look forward to that.
00:24:03.91\00:24:06.17
And then number
five, Galatians 6:9.
00:24:06.21\00:24:09.28
I want to quote it
from a different version,
00:24:09.31\00:24:10.98
I love this version.
00:24:11.01\00:24:12.35
Greg and I claim this
actually before we were married.
00:24:12.38\00:24:14.62
It says, "Don't
get tired of doing
00:24:14.65\00:24:16.38
what is good.
00:24:16.42\00:24:17.75
At the right time
you will reap a harvest,
00:24:17.79\00:24:20.12
the blessing if
you don't give up."
00:24:20.16\00:24:22.86
So number five is
to practice patience.
00:24:22.89\00:24:26.59
Excellent.
00:24:26.63\00:24:27.96
You know, Pastor Lomacang,
00:24:28.00\00:24:29.33
I looked at
some statistics also,
00:24:29.36\00:24:31.30
and I'm afraid
some of yours kind of,
00:24:31.33\00:24:33.30
mine in yours kind of cross.
00:24:33.34\00:24:35.20
That's okay.
00:24:35.24\00:24:36.57
But, Jill, that
instant gratification,
00:24:36.60\00:24:38.14
one of the things
00:24:38.17\00:24:39.54
that in my
looking up the statistics
00:24:39.57\00:24:42.71
that I found was that
all the pictures taken
00:24:42.74\00:24:47.15
in the 19th century,
00:24:47.18\00:24:48.98
every picture that was
taken in the 19th century,
00:24:49.02\00:24:52.05
every two minutes we
take that many pictures today.
00:24:52.09\00:24:55.82
Wow!
00:24:55.86\00:24:57.19
Isn't that amazing
how things have escalated?
00:24:57.23\00:25:01.23
Changed, yeah. Changed. Okay.
00:25:01.26\00:25:03.30
I've got Tuesday.
00:25:03.33\00:25:05.63
And Tuesday is
living within your means.
00:25:05.67\00:25:09.77
Now to be a good steward,
00:25:09.80\00:25:11.71
one must live within their means
00:25:11.74\00:25:13.74
that seem like obvious.
00:25:13.78\00:25:17.45
Remember what a steward is.
00:25:17.48\00:25:20.58
A stewardship is utilizing
00:25:20.62\00:25:23.49
and managing all
resources God has provided us.
00:25:23.52\00:25:27.82
Now, have you
ever heard this saying,
00:25:27.86\00:25:31.19
"If your outgo
exceeds your income,
00:25:31.23\00:25:37.20
your upkeep will
be your downfall?"
00:25:37.23\00:25:40.24
So we're talking about
living within our means.
00:25:40.27\00:25:43.87
If more money goes
out of your bank account
00:25:43.91\00:25:47.64
than comes into
your bank account,
00:25:47.68\00:25:49.94
there is a
thing called overdraw,
00:25:49.98\00:25:53.18
you're going to
overdraw that account.
00:25:53.21\00:25:55.52
And, you know,
00:25:55.55\00:25:56.89
I haven't
overdrawn, thank for Lord,
00:25:56.92\00:25:58.52
my account in years,
00:25:58.55\00:26:00.09
but I can
remember early marriage...
00:26:00.12\00:26:01.92
Remember back...
00:26:01.96\00:26:03.29
Maybe y'all don't.
00:26:03.32\00:26:04.66
We were so broke, we
couldn't even pay attention.
00:26:04.69\00:26:07.00
And so we, you
know, and there were times
00:26:07.03\00:26:09.93
when we would
overdraw our account
00:26:09.96\00:26:11.83
and the cost to overdraw
your account is astronomical
00:26:11.87\00:26:15.74
for them to
cover a check for you.
00:26:15.77\00:26:17.77
Yes.
00:26:17.81\00:26:19.14
People could spare themselves
00:26:19.17\00:26:21.04
a world of hurt
and pain and agony
00:26:21.08\00:26:24.51
if they would just
follow this one basic principle.
00:26:24.55\00:26:28.38
Don't spend more money
00:26:28.42\00:26:29.85
than you make,
live within your means.
00:26:29.88\00:26:34.52
Now, when we don't
live within our means,
00:26:34.56\00:26:37.23
the result is what we've been,
00:26:37.26\00:26:39.46
Pastor John talked
about so much, we go in debt.
00:26:39.49\00:26:44.63
And one of the easiest ways
we fall into the trap of debt
00:26:44.67\00:26:48.60
is through credit cards.
00:26:48.64\00:26:50.81
Now, a credit card
creates an allusion.
00:26:50.84\00:26:55.18
You get a credit card,
00:26:55.21\00:26:56.85
and let's say
that it's for $300.
00:26:56.88\00:27:01.58
And, you know, what
you automatically think.
00:27:01.62\00:27:03.85
"Ah! I've got
$300." No, you don't.
00:27:03.89\00:27:07.42
You don't have a penny
more than you had before,
00:27:07.46\00:27:10.73
it creates an illusion.
00:27:10.76\00:27:13.36
It's good.
00:27:13.40\00:27:14.73
Of wealth and...
00:27:14.76\00:27:17.17
And that credit card,
00:27:17.20\00:27:18.53
you know, you can
use a credit card to pay
00:27:18.57\00:27:20.60
for anything
whether you need it or not?
00:27:20.64\00:27:24.41
That credit card
doesn't have a mind,
00:27:24.44\00:27:26.27
you're the one
00:27:26.31\00:27:27.64
that has the control
over that credit card.
00:27:27.68\00:27:29.81
So you go and you buy
something you don't need,
00:27:29.84\00:27:32.25
that credit card doesn't
care, it will pay for it.
00:27:32.28\00:27:37.32
A person with a salary
00:27:37.35\00:27:39.75
of $40, 000 can spend
00:27:39.79\00:27:43.96
as if they're making
$60,000 to $70, 000 for a while.
00:27:43.99\00:27:49.36
Yes.
00:27:49.40\00:27:50.73
Credit card debt can be like
00:27:50.77\00:27:54.67
thrashing around in quicksand.
00:27:54.70\00:27:57.57
What happens
00:27:57.61\00:27:58.94
when you thrash
around in quicksand?
00:27:58.97\00:28:01.74
You get in deeper and
deeper, you're trying to get out
00:28:01.78\00:28:06.92
when you're thrashing
around in that quicksand,
00:28:06.95\00:28:09.42
but all you do is get in deeper,
00:28:09.45\00:28:12.02
and deeper, and deeper.
00:28:12.05\00:28:13.49
Credit cards can be
00:28:13.52\00:28:15.76
a stumbling
block to even the one
00:28:15.79\00:28:18.73
with the best of heart,
00:28:18.76\00:28:21.40
best meaning in your
heart of what you want to do.
00:28:21.43\00:28:26.07
Now let's talk a
little bit about human nature.
00:28:26.10\00:28:29.97
Most of us tend
to want what we see.
00:28:30.01\00:28:34.88
We are controlled...
00:28:34.91\00:28:36.38
I see it, what was it, Jill?
I see it, I wanted, I take it.
00:28:36.41\00:28:41.68
So we tend to
have that weakness,
00:28:41.72\00:28:47.09
lust of the flesh.
00:28:47.12\00:28:49.42
And we want it whether
we can afford it or not,
00:28:49.46\00:28:52.33
we are visually driven.
00:28:52.36\00:28:54.40
And the advertising
industry is very aware of that.
00:28:54.43\00:28:59.27
And do you know what
that is when you see something
00:28:59.30\00:29:02.10
and you wanted
whether you need it
00:29:02.14\00:29:04.37
or whether you can afford it?
00:29:04.41\00:29:06.07
That's called
covetousness. Covetousness.
00:29:06.11\00:29:09.94
Now, I want all of us
00:29:09.98\00:29:13.45
to turn to Hebrews 13:15.
00:29:13.48\00:29:17.85
Hebrews 13:15, I
want us to look at this
00:29:17.89\00:29:22.69
because here is
some amazing council.
00:29:22.72\00:29:26.39
Remember, what
we're looking at today
00:29:26.43\00:29:29.56
or this whole week was
debt, a daily decision,
00:29:29.60\00:29:35.14
not just a weekly
or monthly decision
00:29:35.17\00:29:37.91
but a daily decision.
00:29:37.94\00:29:39.84
And today, I'm looking at living
00:29:39.87\00:29:42.68
within your means.
00:29:42.71\00:29:44.78
Amazing council, Hebrews 13:15.
00:29:44.81\00:29:49.32
Jill, if you're
there, Hebrews 13:15.
00:29:49.35\00:29:52.15
"Therefore by Him
let us continually offer
00:29:52.19\00:29:54.76
the sacrifice of praise to God,
that is, the fruit of our lips,
00:29:54.79\00:29:58.39
giving thanks to His name."
00:29:58.43\00:30:00.23
Okay.
00:30:00.26\00:30:01.76
Now I must have given
00:30:01.80\00:30:03.30
the wrong
scripture, Hebrews 13:15.
00:30:03.33\00:30:06.27
So I've got the wrong
scripture copied down.
00:30:06.30\00:30:08.80
Let me give you the
scripture that I meant.
00:30:08.84\00:30:11.37
"Let your conduct be
without covetousness."
00:30:11.41\00:30:14.24
So if somebody will look up
00:30:14.28\00:30:15.61
and find where
that scripture is,
00:30:15.64\00:30:17.21
I've put it down wrong.
00:30:17.25\00:30:19.05
"Let your conduct be
without covetousness,
00:30:19.08\00:30:22.62
be content with
such things as you have."
00:30:22.65\00:30:26.89
So conduct without covetous,
00:30:26.92\00:30:30.16
that is living
within your means.
00:30:30.19\00:30:34.13
So I had that as Hebrews 13:15,
00:30:34.16\00:30:36.67
that's obviously not
where that scripture is.
00:30:36.70\00:30:39.70
So we are to live
without covetousness
00:30:39.73\00:30:42.30
and to live within our means.
00:30:42.34\00:30:45.21
So now we are in debt.
00:30:45.24\00:30:49.14
And Pastor Lomacang used
00:30:49.18\00:30:51.98
some of my
statistics which was...
00:30:52.01\00:30:54.32
See, every household
doesn't use credit cards.
00:30:54.35\00:30:59.25
And some
households use credit cards,
00:30:59.29\00:31:02.92
but they pay
them off every month,
00:31:02.96\00:31:04.53
then you know, you can
use a credit card wisely
00:31:04.56\00:31:07.80
and pay it off every month,
00:31:07.83\00:31:09.43
that way you never
have to pay interest.
00:31:09.46\00:31:11.97
But the average
household, Pastor,
00:31:12.00\00:31:14.04
as you said
00:31:14.07\00:31:15.40
that uses a credit
cared with a balance.
00:31:15.44\00:31:18.34
The balance of the
household is over $16,000.
00:31:18.37\00:31:23.41
The average
interest rate is over 16%.
00:31:23.45\00:31:28.72
Do you know how much
interest you pay on that?
00:31:28.75\00:31:32.22
It's over $2,600.
00:31:32.25\00:31:36.19
And here is something
that is just astounding.
00:31:36.22\00:31:39.36
As of the
second quarter of 2017,
00:31:39.39\00:31:43.10
Americans were carrying a total
00:31:43.13\00:31:46.77
of $936.1 billion
00:31:46.80\00:31:53.48
in credit card debt.
00:31:53.51\00:31:55.44
Our economy is inflated
00:31:55.48\00:31:59.08
because people have
bought that and it's on credit,
00:31:59.11\00:32:02.52
they don't have
money to pay for it.
00:32:02.55\00:32:04.29
Now has someone looked
up the scripture for me.
00:32:04.32\00:32:05.85
Hebrews 13...
00:32:05.89\00:32:07.22
13:5. Yeah.
00:32:07.26\00:32:08.59
13:5? Hebrews 13:5. I'm sorry.
00:32:08.62\00:32:11.39
Hebrews 13:5,
00:32:11.43\00:32:12.93
"Let your conduct
be without covetousness
00:32:12.96\00:32:16.26
and be content with
such things as you have."
00:32:16.30\00:32:21.50
Now I want all of us to
turn to Proverbs if you will,
00:32:21.54\00:32:24.54
I've got some scriptures,
00:32:24.57\00:32:25.91
I want to still
look up in Proverbs.
00:32:25.94\00:32:28.14
Pastor Lomacang,
00:32:28.18\00:32:29.51
will you look at Proverbs 22:7?
00:32:29.54\00:32:34.05
Sure. And, Jill, Proverbs 28:6.
00:32:34.08\00:32:38.69
Okay. Pastor
Kenny, Proverbs 19:1.
00:32:38.72\00:32:44.29
And, Shelley, Proverbs 21:20.
00:32:44.33\00:32:48.56
Okay, Pastor
Lomacang, are you there?
00:32:48.60\00:32:50.13
Sure.
00:32:50.17\00:32:51.50
It says, "The rich..."
00:32:51.53\00:32:52.87
What is the
scripture? Proverbs 22:7.
00:32:52.90\00:32:55.50
Proverbs 22:7.
00:32:55.54\00:32:56.87
It's right after
that favorite one we like,
00:32:56.91\00:32:58.44
train up a child.
00:32:58.47\00:32:59.97
It is amazing how it follows
with that very same counsel.
00:33:00.01\00:33:02.88
"The rich rules over the poor,
00:33:02.91\00:33:04.71
and the borrower is
servant to the lender."
00:33:04.75\00:33:08.15
Debt brings us into
servitude to those that we owe.
00:33:08.18\00:33:12.52
Now, let me ask you a
question, and this is,
00:33:12.55\00:33:16.19
goes with the scriptures
that you and Pastor Kenny had.
00:33:16.22\00:33:19.33
Would you rather be a
poor man with integrity
00:33:19.36\00:33:23.33
or a rich perverse fool?
00:33:23.37\00:33:25.53
And that's not a true question.
00:33:25.57\00:33:28.60
Integrity...
00:33:28.64\00:33:31.57
Jill, if you read Proverbs 28:6.
00:33:31.61\00:33:32.94
"Better is the poor
who walks in his integrity
00:33:32.97\00:33:35.14
than one perverse in his
ways, though he be rich."
00:33:35.18\00:33:38.55
And, Pastor
Kenny, Proverbs 19:1.
00:33:38.58\00:33:43.32
19:1.
00:33:43.35\00:33:47.89
"Better is the poor
that walketh in his integrity
00:33:47.92\00:33:50.59
than he that is perverse
in his lips, and is a fool."
00:33:50.63\00:33:54.43
You know what a fool is.
00:33:54.46\00:33:55.80
A fool is someone
who lacks judgment
00:33:55.83\00:33:58.00
or good sense.
00:33:58.03\00:33:59.37
Integrity is
doing the right thing
00:33:59.40\00:34:01.60
just because
it's the right thing.
00:34:01.64\00:34:03.87
And, Shelley, Proverbs 21:20.
00:34:03.91\00:34:08.21
Proverbs 21:20.
00:34:08.24\00:34:10.78
"There is desirable treasure,
00:34:10.81\00:34:13.21
and oil in the
dwelling of the wise,
00:34:13.25\00:34:15.72
but a foolish man squanders it."
00:34:15.75\00:34:17.99
What does this foolish
man that lacks good sense do?
00:34:18.02\00:34:21.02
He squanders it.
00:34:21.06\00:34:22.49
You know, you
can be a rich person
00:34:22.52\00:34:24.19
that squanders or a
poor person that squanders.
00:34:24.23\00:34:27.60
I wanted to leave
us with this scripture,
00:34:27.63\00:34:30.40
and it's Psalm 36:25.
00:34:30.43\00:34:34.37
And we are to live
00:34:34.40\00:34:35.80
within our
means, and we may say,
00:34:35.84\00:34:37.54
"No, I need to be in debt
because I need something."
00:34:37.57\00:34:40.61
Proverbs 36:25.
00:34:40.64\00:34:43.48
"I have been
young, and now am old,
00:34:43.51\00:34:46.75
yet have I not seen
the righteous forsaken,
00:34:46.78\00:34:50.65
nor his seed begging bread."
00:34:50.69\00:34:53.42
Trust God, He
will take care of you.
00:34:53.46\00:34:56.32
You can live
within your means. Amen.
00:34:56.36\00:34:58.76
Pastor Kenny. Praise the Lord.
00:34:58.79\00:35:00.13
Well covered. Praise the Lord.
00:35:00.16\00:35:02.10
All of our lesson
is dealing with debt
00:35:02.13\00:35:04.17
and basically how
to stay out of debt.
00:35:04.20\00:35:06.33
And I was kind of wondering
why I got this one here
00:35:06.37\00:35:08.10
that's talking
about, "Say no to debt."
00:35:08.14\00:35:10.87
Now, well maybe this
is Lord speaking to me.
00:35:10.91\00:35:14.08
But let's maybe
start out with a question,
00:35:14.11\00:35:16.01
I'm not sure that the answer
we would have it in the sense
00:35:16.04\00:35:19.68
that some people
will say to others,
00:35:19.71\00:35:22.65
"You are in big debt."
00:35:22.68\00:35:24.45
Now what does it really take to,
00:35:24.49\00:35:25.82
you know, make a
debt or have a debt?
00:35:25.85\00:35:28.06
Let's say for instance
00:35:28.09\00:35:29.42
that the Pastor John
buys him a house at $100,000.
00:35:29.46\00:35:34.73
You buy the house.
00:35:34.76\00:35:36.10
You have it appraised later
and it appraises for $300,000.
00:35:36.13\00:35:40.20
Now would you call that a debt
00:35:40.24\00:35:44.01
or would you call
that really that you have
00:35:44.04\00:35:45.71
actually made
money on that house?
00:35:45.74\00:35:47.91
Yeah, a profit actually...
00:35:47.94\00:35:49.64
It's a profit but yet
in a sense I look at it
00:35:49.68\00:35:52.88
and I said yes or no.
00:35:52.91\00:35:54.45
You know, I
bought a lot of houses
00:35:54.48\00:35:55.82
over the years and sold
lot of houses over the years,
00:35:55.85\00:35:57.89
it is a debt in a sense
that you owe the $100,000.
00:35:57.92\00:36:01.39
So you still are
obligated to pay it,
00:36:01.42\00:36:03.36
but yet it's, I want to
say it, it's a good debt.
00:36:03.39\00:36:07.10
It's good because you have
a profit of $200, 000 to back
00:36:07.13\00:36:11.67
that up with something
you had to sell it quickly,
00:36:11.70\00:36:14.00
you could sell rather
quickly for that easily
00:36:14.04\00:36:16.97
or you'll make it little less.
00:36:17.01\00:36:18.34
An asset. Yeah.
00:36:18.37\00:36:20.18
So we have to look
at debt, is there a time
00:36:20.21\00:36:23.18
that we should or
could go into debt
00:36:23.21\00:36:25.88
and it will be okay.
00:36:25.91\00:36:27.55
'Cause here it's
like we never go into debt
00:36:27.58\00:36:29.72
because it's wrong
and it is sinful to do it.
00:36:29.75\00:36:32.32
There are times,
00:36:32.35\00:36:33.79
which is acceptable
to maybe borrow something
00:36:33.82\00:36:37.56
but, again, it's like
been brought out here,
00:36:37.59\00:36:39.46
you want to make sure
you'd be able to pay it back
00:36:39.49\00:36:41.80
by the grace of God at
least the best you can see
00:36:41.83\00:36:43.30
and understand
00:36:43.33\00:36:44.67
it's been a wise
choice and decision.
00:36:44.70\00:36:46.53
So we're going
to say no to debt.
00:36:46.57\00:36:47.94
What is debt?
00:36:47.97\00:36:49.40
It's been
discussed here something
00:36:49.44\00:36:51.01
that's owe to what?
00:36:51.04\00:36:52.57
Another person,
you owe it to them,
00:36:52.61\00:36:54.31
you have to pay it back
and there are conditions
00:36:54.34\00:36:56.21
in an owing,
00:36:56.24\00:36:57.58
you are
obligated to pay it back.
00:36:57.61\00:36:59.18
If you don't,
00:36:59.21\00:37:00.55
somebody will come
and get your attention
00:37:00.58\00:37:03.02
if you're not paying it back.
00:37:03.05\00:37:04.39
You know that, you get
the cards, and letters,
00:37:04.42\00:37:05.75
and someone will
knock at your door.
00:37:05.79\00:37:08.49
Webster dictionary says...
00:37:08.52\00:37:09.86
I thought it was interesting,
00:37:09.89\00:37:11.23
it said this when it talked
and gave a definition of debt,
00:37:11.26\00:37:14.56
it just said theology, sin.
00:37:14.60\00:37:20.74
I thought it is fascinating.
00:37:20.77\00:37:23.41
In theology, sin.
00:37:23.44\00:37:26.51
Oh, wow, that's kind
of an interesting thought
00:37:26.54\00:37:28.54
and kind of deep
even for Webster's.
00:37:28.58\00:37:32.08
Anyway, how do we
get into debt same way
00:37:32.11\00:37:34.98
everybody brought out.
00:37:35.02\00:37:36.79
Same way as the
government is in debt.
00:37:36.82\00:37:38.65
They spend a whole lot
more than they bring in,
00:37:38.69\00:37:40.86
that's the same way with us,
00:37:40.89\00:37:42.22
that's how we get
in this mess simply
00:37:42.26\00:37:43.59
put what we're
talking about everyone.
00:37:43.63\00:37:45.86
Deuteronomy 28:12.
00:37:45.89\00:37:47.70
I think someone read that so,
00:37:47.73\00:37:49.06
"Thou shalt lend
unto many nations,
00:37:49.10\00:37:50.97
and thou shalt not borrow."
00:37:51.00\00:37:52.83
I think the main thing here
00:37:52.87\00:37:54.20
is what I'm gonna try and
cover quickly as we can is
00:37:54.24\00:37:56.30
that God has a plan
00:37:56.34\00:37:57.67
that we do not
have to go into debt,
00:37:57.71\00:38:00.21
saying no to debt
because He says in bottom line,
00:38:00.24\00:38:03.38
"I'm going to bless you,
00:38:03.41\00:38:04.75
I'm going to bless
everything that your hands do."
00:38:04.78\00:38:07.05
And when I bless you,
00:38:07.08\00:38:08.42
and I give you all these things,
00:38:08.45\00:38:09.78
there's no need for
you to have to borrow.
00:38:09.82\00:38:11.75
You will be able to
loan to other people to show
00:38:11.79\00:38:13.52
the blessings
00:38:13.56\00:38:14.89
that you're
receiving from heaven.
00:38:14.92\00:38:16.26
So as we read so many things,
00:38:16.29\00:38:17.63
hopefully it will come
in into being here with us.
00:38:17.66\00:38:19.93
The part of
Deuteronomy 28:12 says,
00:38:19.96\00:38:22.63
"God gives a promise."
00:38:22.66\00:38:24.40
Now what does it say,
00:38:24.43\00:38:25.77
"Thou shalt lend
unto many nations,
00:38:25.80\00:38:27.74
and thou shalt not borrow."
00:38:27.77\00:38:29.10
That's the last part of it.
00:38:29.14\00:38:30.47
Let's go back to the other part.
00:38:30.51\00:38:31.84
It said, God
gives a promise here.
00:38:31.87\00:38:33.81
He says, "I'm going to open,
00:38:33.84\00:38:35.44
I will open up
00:38:35.48\00:38:36.81
His good treasures, think about,
00:38:36.85\00:38:38.18
I'm going to open up
some treasures for you."
00:38:38.21\00:38:40.42
And Psalm 33:7,
someone read that.
00:38:40.45\00:38:42.92
It's His storehouse,
it's His treasure house,
00:38:42.95\00:38:45.15
He's going to open for
each and every one of us.
00:38:45.19\00:38:47.49
It says, here is Psalm 33:7,
00:38:47.52\00:38:49.32
"He gathereth the
waters of the sea together,"
00:38:49.36\00:38:52.03
notice this, "as a heap,
00:38:52.06\00:38:54.53
He layeth up the
depth in his storehouses."
00:38:54.56\00:38:57.73
Notice this, God
says He will bless all,
00:38:57.77\00:39:01.04
we're talking about
material things here,
00:39:01.07\00:39:02.67
material things.
00:39:02.70\00:39:04.37
And then He make sure,
00:39:04.41\00:39:05.74
we're going to have in abundance
00:39:05.77\00:39:07.38
according to Deuteronomy 30:9.
00:39:07.41\00:39:09.74
There's going to
be an abundance of it
00:39:09.78\00:39:11.48
if we are in obedience
to what He ask us to do.
00:39:11.51\00:39:14.75
That way we would
have no need to borrow.
00:39:14.78\00:39:17.55
I mean to me that makes sense.
00:39:17.59\00:39:18.95
There's an
abundance, God's blessing,
00:39:18.99\00:39:20.52
why would we need to borrow
00:39:20.56\00:39:21.89
if we have an
abundance of these things.
00:39:21.92\00:39:24.36
Deuteronomy 15:6,
someone read that.
00:39:24.39\00:39:26.39
I think they read it before,
00:39:26.43\00:39:28.30
it says, "For the
Lord thy God blesseth thee,
00:39:28.33\00:39:30.17
as He promised thee,
00:39:30.20\00:39:31.53
and thou shalt
lend money unto nations,
00:39:31.57\00:39:34.00
but thou shalt not borrow,
00:39:34.04\00:39:35.37
and thou shalt not
reign over many nations,
00:39:35.40\00:39:38.37
but thou shall
not reign over thee."
00:39:38.41\00:39:40.34
Thou shalt reign over nations
but none is to rule over us.
00:39:40.38\00:39:43.78
That's in I
think Deuteronomy 15:6.
00:39:43.81\00:39:45.95
So He's promising
00:39:45.98\00:39:47.32
what is God's plan
for us as His children.
00:39:47.35\00:39:49.78
We're not to be in
subjection to any other nations,
00:39:49.82\00:39:52.65
or to some, or to
banks, or to other people
00:39:52.69\00:39:55.49
because we are in
bondage, and we're in what?
00:39:55.52\00:39:57.43
It puts us in a form of slavery
when we have an obligation.
00:39:57.46\00:40:01.26
I remember when I bought
my first house and the banker,
00:40:01.30\00:40:03.33
I didn't get it
through my head until he shook.
00:40:03.37\00:40:04.93
He shook my hand many
years ago, and he said,
00:40:04.97\00:40:07.17
"Well, buddy, we're partners now
00:40:07.20\00:40:08.67
for the next 20 years."
00:40:08.70\00:40:10.91
You know, I really didn't
want to be a partner with him
00:40:10.94\00:40:12.51
for 20 years but looks I am.
00:40:12.54\00:40:14.61
That's when
you're young and foolish,
00:40:14.64\00:40:15.98
you didn't realize that,
but I think he let me know,
00:40:16.01\00:40:17.85
"We're in partnership,
00:40:17.88\00:40:19.21
I'll be seeing you
for the next 20 years
00:40:19.25\00:40:20.58
unless you pay this thing off."
00:40:20.62\00:40:22.22
Here, again, is a
promise, God gives us of surety
00:40:22.25\00:40:24.65
that if Israel should
have obey if we obey Him,
00:40:24.69\00:40:27.49
He's going to bless
us with the material
00:40:27.52\00:40:29.69
and financial
things, that's good.
00:40:29.72\00:40:32.49
We read Proverbs 22:7 said,
"The rich ruleth over the poor,
00:40:32.53\00:40:37.03
and the borrower is
servant of the lender."
00:40:37.07\00:40:39.23
That just makes
sense to us for sure.
00:40:39.27\00:40:41.77
This is God's
plan for His people,
00:40:41.80\00:40:43.41
it's always been for
Israel and it's for us.
00:40:43.44\00:40:45.64
Deuteronomy 28:1, notice this,
00:40:45.67\00:40:48.84
"And it shall come to pass,
00:40:48.88\00:40:50.25
if thou shalt hearken diligently
00:40:50.28\00:40:51.71
unto the voice
of the Lord thy God,
00:40:51.75\00:40:53.88
to observe and
to do all His" what?
00:40:53.92\00:40:56.45
"Commandments which I
command thee this day,"
00:40:56.48\00:40:58.85
Deuteronomy 28:1,
00:40:58.89\00:41:00.42
"that the Lord thy
God will set thee on high
00:41:00.46\00:41:03.12
above all nations on the earth."
00:41:03.16\00:41:05.66
This is what God
wants to do for us,
00:41:05.69\00:41:08.76
He wants to set us on high.
00:41:08.80\00:41:11.80
Remember, God was telling them,
00:41:11.83\00:41:13.80
your eternal,
He's telling us today,
00:41:13.84\00:41:15.90
"Your eternal
destiny is in your hands."
00:41:15.94\00:41:18.94
We have freewill, don't we?
00:41:18.97\00:41:20.34
And God is telling us that,
00:41:20.38\00:41:21.71
"Your eternal destiny
is in your hands right now.
00:41:21.74\00:41:23.75
And, in fact, when you
make a choice you tie My hands."
00:41:23.78\00:41:27.08
Sounds kind of odd that
we could tie God's hands,
00:41:27.12\00:41:29.75
put Him in that position.
00:41:29.78\00:41:31.15
So He rewards man
00:41:31.19\00:41:32.79
according to certainly
the deeds that he's done.
00:41:32.82\00:41:34.92
Someone read, I
think it was Matthews 6:33,
00:41:34.96\00:41:37.53
"Seek ye first
the kingdom of God,
00:41:37.56\00:41:38.89
and his righteousness,
00:41:38.93\00:41:40.26
all these other things
will be added unto him."
00:41:40.30\00:41:42.16
So if we borrow and I
think probably everyone here
00:41:42.20\00:41:46.57
probably have it one time
or the other, we borrowed.
00:41:46.60\00:41:50.21
But we had the good intentions,
00:41:50.24\00:41:51.57
you had stability in
order to pay this debt back,
00:41:51.61\00:41:55.18
you know, that's
what we should be doing,
00:41:55.21\00:41:57.25
that's what God wants us to do.
00:41:57.28\00:41:58.61
And that's what
00:41:58.65\00:41:59.98
I wanted always come
by, always said well,
00:42:00.02\00:42:01.35
you know, God
wants us to be the what?
00:42:01.38\00:42:02.92
The head and not the tail.
00:42:02.95\00:42:04.95
And I thought, well,
that's kind of interesting
00:42:04.99\00:42:06.32
because that's what
00:42:06.35\00:42:07.69
He's telling us
here in Deuteronomy
00:42:07.72\00:42:09.06
and that's what He
says in Deuteronomy 8:13.
00:42:09.09\00:42:12.23
You be the head
and not the tail.
00:42:12.26\00:42:13.93
And I like part of
the passage it says,
00:42:13.96\00:42:15.70
you're to be above
only and not beneath.
00:42:15.73\00:42:20.14
That makes it pretty clear
00:42:20.17\00:42:21.50
what God says
when we go into debt,
00:42:21.54\00:42:22.87
then we put ourselves
on the bottom as it were
00:42:22.90\00:42:24.91
and things can happen.
00:42:24.94\00:42:26.47
Counsels on Stewardship,
00:42:26.51\00:42:27.91
this is on page 272
begins with his message on debt.
00:42:27.94\00:42:32.18
It's clear, I think
it's in our lesson here,
00:42:32.21\00:42:34.22
it says, "There must be
a strict regard to economy
00:42:34.25\00:42:37.32
or a heavy debt will incur."
00:42:37.35\00:42:38.75
Makes sense what
you've been talking about.
00:42:38.79\00:42:41.22
"Keep within your bounds."
00:42:41.26\00:42:42.59
This is harder to do
than, at least, for me
00:42:42.62\00:42:45.36
it's little
harder to do than what,
00:42:45.39\00:42:46.73
you know, to stay
within your boundaries,
00:42:46.76\00:42:48.10
it's saying here,
00:42:48.13\00:42:49.46
"Shun the incurring of
debt as you would shun leprosy."
00:42:49.50\00:42:53.30
Well, that make it
pretty plain to me.
00:42:53.34\00:42:55.77
Strive to owe no man, what?
00:42:55.80\00:42:57.21
Bible said, don't
owe no man anything.
00:42:57.24\00:42:59.97
Someone mentioned
buy now, pay later.
00:43:00.01\00:43:01.61
Man, that's the way
that got us in this mess
00:43:01.64\00:43:03.61
that we're in.
00:43:03.65\00:43:04.98
And we realize
that credit cards,
00:43:05.01\00:43:06.35
and we're just talking
$15,000 average household,
00:43:06.38\00:43:08.58
individually it's
$5,000, $6,000 a piece.
00:43:08.62\00:43:11.12
Average household,
00:43:11.15\00:43:12.49
that person at 33% has
at least two credit cards,
00:43:12.52\00:43:16.66
18% has 3 to 4,
00:43:16.69\00:43:19.66
10% has 5 to 6,
and more credit cards.
00:43:19.69\00:43:23.03
So they're
putting this debt upon,
00:43:23.06\00:43:25.70
you know, as fast
as they can go out
00:43:25.73\00:43:27.07
and see something
they want, they buy it.
00:43:27.10\00:43:29.77
Here we see in our last
minute or so here, the US debt,
00:43:29.80\00:43:34.28
we've learned to go
in debt and be in debt
00:43:34.31\00:43:35.84
because ever since
this situation started
00:43:35.88\00:43:38.61
the government had
a fluctuating debt.
00:43:38.65\00:43:40.92
You realize when they started
to keep in track of it in 1789
00:43:40.95\00:43:45.42
and every year
00:43:45.45\00:43:46.79
since then except
one year 1935 and 1936
00:43:46.82\00:43:50.83
we were spending
more than we came in.
00:43:50.86\00:43:53.86
We've been in debt as a country
00:43:53.90\00:43:55.23
ever since this started in 1789.
00:43:55.26\00:43:58.70
We are over $20
trillion in debt.
00:43:58.73\00:44:02.14
If you ever look
some of that up on,
00:44:02.17\00:44:04.21
shown on that debt
clock, you better look that up,
00:44:04.24\00:44:06.47
on the debt clock you
can actually look at that.
00:44:06.51\00:44:08.38
You cannot write down
00:44:08.41\00:44:10.25
how fast we are going into debt,
00:44:10.28\00:44:12.01
it moves so fast,
so quick by the tens
00:44:12.05\00:44:13.72
of thousands of
dollars, you can't.
00:44:13.75\00:44:15.52
I tried to write
down, I can't do it.
00:44:15.55\00:44:17.89
Over $20 trillion.
00:44:17.92\00:44:19.25
In 1980, we were only
$900 and some billion.
00:44:19.29\00:44:23.29
Look at how it's changed. Only.
00:44:23.32\00:44:24.66
Only. Thank you.
00:44:24.69\00:44:26.39
And we're paying...
00:44:26.43\00:44:28.03
See, we've learned this thing
called debt and get in debt
00:44:28.06\00:44:30.03
because that's the
way it is our country,
00:44:30.07\00:44:31.40
there's some people use as,
00:44:31.43\00:44:32.77
"Well, I can do it
because the country is."
00:44:32.80\00:44:34.24
Now that's not
good reasoning at all.
00:44:34.27\00:44:35.87
God says stay out of it.
00:44:35.90\00:44:37.97
We realize here that we pay
00:44:38.01\00:44:39.81
or probably about $250 billion
00:44:39.84\00:44:44.15
a year in interest alone.
00:44:44.18\00:44:47.42
We're in a point now,
00:44:47.45\00:44:48.78
we almost can't payback
00:44:48.82\00:44:50.32
the interest on
our national debt.
00:44:50.35\00:44:51.95
And, Pastor John,
00:44:51.99\00:44:53.32
they're holding you accountable,
00:44:53.36\00:44:54.69
they're holding you
$67,000 individually.
00:44:54.72\00:44:57.26
If you're a tax payer,
they say you owe $170,000.
00:44:57.29\00:45:02.26
Interesting how they do that.
00:45:02.30\00:45:04.00
They break it down to
say we are each accountable.
00:45:04.03\00:45:07.60
So we want to make sure
by God's grace, we do what?
00:45:07.64\00:45:09.80
Owe no man
anything, stay out of debt.
00:45:09.84\00:45:11.37
If we are by
God's grace, do what?
00:45:11.41\00:45:13.11
Pay it back as soon as you can
00:45:13.14\00:45:14.68
and, you know,
don't let the enemy
00:45:14.71\00:45:16.04
come in and get away,
00:45:16.08\00:45:17.41
we can't give
this 'cause of God.
00:45:17.45\00:45:18.78
Okay. My day is
saving and investing.
00:45:18.81\00:45:22.92
Here's something
interesting that I looked up.
00:45:22.95\00:45:24.95
Okay.
00:45:24.99\00:45:26.39
In the Bible
00:45:26.42\00:45:27.76
there are over 2, 350 verses
00:45:27.79\00:45:33.80
on money and finances.
00:45:33.83\00:45:35.80
Wow.
00:45:35.83\00:45:37.17
Fifteen percent of the Bible
00:45:37.20\00:45:38.87
is talking about
money and finances,
00:45:38.90\00:45:41.27
more than any other
topic, more than hell,
00:45:41.30\00:45:43.41
more than
heaven, more than prayer.
00:45:43.44\00:45:47.64
So we see how
important money is.
00:45:47.68\00:45:51.58
Please open your
Bibles to Proverbs 6,
00:45:51.61\00:45:55.92
we're going to
look at 6 through 8.
00:45:55.95\00:45:57.72
And I hope to
have time to give you
00:45:57.75\00:45:59.29
some practical ideas today.
00:45:59.32\00:46:02.12
We'll see.
00:46:02.16\00:46:03.49
Proverbs 6:6-8.
00:46:03.53\00:46:08.46
It says, "Go to
the ant, you sluggard!
00:46:08.50\00:46:11.63
Consider her ways and be
wise, which, having no captain,
00:46:11.67\00:46:15.60
overseer or ruler,
00:46:15.64\00:46:17.94
provides her
supplies in the summer,
00:46:17.97\00:46:21.24
and gathers her
food in the harvest."
00:46:21.28\00:46:24.95
See, ants work to lay
aside provision for the winter.
00:46:24.98\00:46:29.92
And if we are wise
enough to save money routinely
00:46:29.95\00:46:35.42
for a specific purpose,
00:46:35.46\00:46:37.76
we are following
the ants example.
00:46:37.79\00:46:40.76
So what when we're
talking about saving,
00:46:40.80\00:46:43.60
I want to talk
about having enough money
00:46:43.63\00:46:46.10
to meet your financial needs,
00:46:46.13\00:46:48.14
not hoarding,
not becoming selfish,
00:46:48.17\00:46:50.54
not letting the love
of money overcome you
00:46:50.57\00:46:53.94
but providing for your family
00:46:53.98\00:46:56.08
and having enough
to meet your needs.
00:46:56.11\00:46:59.71
If there's anything
00:46:59.75\00:47:01.08
that I could
tell you as a parent
00:47:01.12\00:47:02.88
or as a grandparent,
00:47:02.92\00:47:04.59
teach your children
to tithe and to save.
00:47:04.62\00:47:10.06
I mean, that first
10% belongs to the Lord,
00:47:10.09\00:47:12.69
return it to the Lord
00:47:12.73\00:47:14.06
because it is
absolutely amazing.
00:47:14.10\00:47:16.46
And I wish I had time
to tell you the stories,
00:47:16.50\00:47:18.63
but 90% that is blessed by God
00:47:18.67\00:47:22.50
goes a whole lot
further than 100%
00:47:22.54\00:47:24.64
that doesn't have His blessing.
00:47:24.67\00:47:26.44
Yes. That's right.
00:47:26.47\00:47:27.81
But the second thing
that I would tell parents
00:47:27.84\00:47:30.01
and grandparents
to teach your children
00:47:30.05\00:47:32.28
is to save 10% of your income.
00:47:32.31\00:47:36.48
First 10% goes to God,
00:47:36.52\00:47:38.52
second 10% goes
into a savings account,
00:47:38.55\00:47:41.49
and you might
think, "There's no way
00:47:41.52\00:47:43.19
I could live on
80% of my income."
00:47:43.22\00:47:45.43
Not if you've already gotten
into debt, it's very difficult.
00:47:45.46\00:47:49.66
But we should have, we
used to save three months
00:47:49.70\00:47:53.27
set aside as an emergency fund.
00:47:53.30\00:47:55.20
Whatever your income is,
if you make $3,000 a month,
00:47:55.24\00:47:58.61
you should have $9,000.
00:47:58.64\00:47:59.97
They used to say three months,
now they're saying six months.
00:48:00.01\00:48:03.31
You don't know if you'll be sick
00:48:03.35\00:48:04.95
and not be able to work,
00:48:04.98\00:48:06.38
you don't know
what's going to happen,
00:48:06.41\00:48:07.88
you need to have
that emergency fund
00:48:07.92\00:48:10.89
so that your
family will be protected.
00:48:10.92\00:48:14.46
What you need to
do is create a goal
00:48:14.49\00:48:18.23
and then make a
plan and work your plan.
00:48:18.26\00:48:23.16
As I said three to six months,
00:48:23.20\00:48:25.37
that's kind of
setting aside for emergencies.
00:48:25.40\00:48:29.07
But if you have children,
00:48:29.10\00:48:31.57
you know, there's something
00:48:31.61\00:48:32.94
that's
fascinating about interest,
00:48:32.97\00:48:36.71
interest can
either be your enemy
00:48:36.75\00:48:39.55
if you're in debt
because you're paying it.
00:48:39.58\00:48:41.72
But if you're
saving compound interest
00:48:41.75\00:48:45.19
makes your money grow
exponentially in a hurry.
00:48:45.22\00:48:49.42
There is a rule in
kind of a simplified way
00:48:49.46\00:48:53.90
of telling you how to know,
00:48:53.93\00:48:56.23
how fast your
money will take to double
00:48:56.26\00:48:58.27
if you are investing your money,
00:48:58.30\00:49:00.60
and they call it a rule of 72,
00:49:00.64\00:49:02.44
there's other
rules, and this is close.
00:49:02.47\00:49:04.71
But it's essentially saying
00:49:04.74\00:49:06.07
what ever you would
earn on an annual basis.
00:49:06.11\00:49:09.51
Let's say you find an investment
00:49:09.54\00:49:11.48
that's 10% a year,
00:49:11.51\00:49:12.98
good luck finding
that but if you did,
00:49:13.01\00:49:15.62
then you divide
72 by that interest
00:49:15.65\00:49:18.89
and if you took
72 divided by 10,
00:49:18.92\00:49:21.06
what do we got, 7.2.
00:49:21.09\00:49:23.59
That means if you were investing
00:49:23.63\00:49:26.43
$10,000 or a $1,000,
00:49:26.46\00:49:28.50
let's just go with a
$1,000, a $1, 000 at 10%
00:49:28.53\00:49:32.90
that will double in 7.2 years.
00:49:32.93\00:49:37.21
You would have $2,000.
00:49:37.24\00:49:38.57
So if you start early
when your children are young...
00:49:38.61\00:49:42.31
Let me tell you,
00:49:42.34\00:49:43.68
they don't need all
the toys that they've got,
00:49:43.71\00:49:46.45
you know, you need
to teach your children
00:49:46.48\00:49:48.55
to start saving too and
put toward a college fund,
00:49:48.58\00:49:52.39
and when you start
when they're little,
00:49:52.42\00:49:54.06
instead of people
buying them a bunch of junk
00:49:54.09\00:49:56.46
for their birthday or Christmas,
00:49:56.49\00:49:58.19
take money, if
they give us money,
00:49:58.23\00:50:00.83
and you put that $50 away.
00:50:00.86\00:50:03.03
And I'm telling you,
it's going to be amazing
00:50:03.06\00:50:05.23
how much money you have
00:50:05.27\00:50:06.60
when it's time to go to college.
00:50:06.63\00:50:08.07
Same thing for once you've got
00:50:08.10\00:50:09.84
that three to
six months set aside
00:50:09.87\00:50:12.47
for your emergency fund.
00:50:12.51\00:50:14.01
If you continue
to save 10% a year,
00:50:14.04\00:50:17.21
what you'll find is
that for your retirement,
00:50:17.25\00:50:20.65
you're not going to be
worried about whether or not
00:50:20.68\00:50:22.88
Social Security
is still available.
00:50:22.92\00:50:26.15
I wanted to read this
quote, I thought it was great.
00:50:26.19\00:50:29.22
This is from Randy Alcorn
00:50:29.26\00:50:30.99
his book Money
Possessions and Eternity.
00:50:31.03\00:50:33.29
He said,
00:50:33.33\00:50:34.66
"Money needlessly
spent is a double loss.
00:50:34.70\00:50:38.07
Not only is it gone,
00:50:38.10\00:50:39.43
but its potential for
earnings is also gone.
00:50:39.47\00:50:43.20
Had we set it aside,
00:50:43.24\00:50:44.57
it could have been
multiplying on earth
00:50:44.61\00:50:46.57
through savings or in
heaven through giving...
00:50:46.61\00:50:50.41
Saving is a discipline
00:50:50.45\00:50:51.78
that develops
authority over money."
00:50:51.81\00:50:54.75
It says money
have authority over you
00:50:54.78\00:50:56.58
or do you have
authority over your money.
00:50:56.62\00:50:59.45
You'll have
authority over your money
00:50:59.49\00:51:01.09
if you learn to be
disciplined enough to save.
00:51:01.12\00:51:03.83
"Instead of
letting money take us
00:51:03.86\00:51:05.79
wherever our whims
incline, we take control."
00:51:05.83\00:51:10.87
All right, if I were counseling,
00:51:10.90\00:51:13.13
when we counsel
with young people,
00:51:13.17\00:51:15.27
I always tell a young
couple before they get married.
00:51:15.30\00:51:18.31
JD and I do quite a
bit of marriage counseling.
00:51:18.34\00:51:23.81
And you don't have to
just be getting married
00:51:23.85\00:51:26.45
but this is great
advice to begin with,
00:51:26.48\00:51:28.38
but if you're finding
00:51:28.42\00:51:29.75
that your
spending is out of control,
00:51:29.78\00:51:32.15
make a budget and learn
to live within that budget.
00:51:32.19\00:51:36.62
Track your spending.
00:51:36.66\00:51:37.99
See where you are,
where you can make changes,
00:51:38.03\00:51:42.33
and learn to
save in little ways.
00:51:42.36\00:51:45.83
One thing that JD and I,
00:51:45.87\00:51:48.27
when we married
our business partner
00:51:48.30\00:51:50.04
put us $250,000 in debt.
00:51:50.07\00:51:51.41
Mercy.
00:51:51.44\00:51:52.77
So we were living off
$100 a month in Dallas, Texas
00:51:52.81\00:51:56.58
for that was all I had
for groceries, and toiletries,
00:51:56.61\00:52:01.15
and all of that.
00:52:01.18\00:52:02.52
I was the coupon
collecting queen.
00:52:02.55\00:52:04.49
But anyway,
00:52:04.52\00:52:06.49
I had a very,
very strict budget.
00:52:06.52\00:52:09.32
We did not eat
out for several years
00:52:09.36\00:52:12.39
but then when we did,
00:52:12.43\00:52:13.76
it was maybe a
pizza or something.
00:52:13.80\00:52:15.66
You know, we got into the habit
of drinking water with lemon,
00:52:15.70\00:52:18.77
it's healthier for you.
00:52:18.80\00:52:20.24
But it just amazes
me when I see people
00:52:20.27\00:52:23.04
that I know are
broke will go out to eat.
00:52:23.07\00:52:26.81
And I'm not saying, we
all need a treat sometimes,
00:52:26.84\00:52:29.54
but they'll order
a drink that's $4,
00:52:29.58\00:52:32.15
and I'm thinking
that's just a waste.
00:52:32.18\00:52:35.62
They're ordering
some kind of a drink
00:52:35.65\00:52:37.29
to go with it, learn to save,
00:52:37.32\00:52:39.39
don't overbuy at
the grocery store.
00:52:39.42\00:52:41.96
You know, a lot of
food goes to waste.
00:52:41.99\00:52:43.93
The statistics on what
America throws away is pitiful.
00:52:43.96\00:52:47.53
So don't overbuy fruits on sale,
00:52:47.56\00:52:49.50
don't overbuy it if
you're not going to eat it,
00:52:49.53\00:52:51.87
or learn to freeze
it and put things away.
00:52:51.90\00:52:55.24
Avoid paying
interest when possible.
00:52:55.27\00:52:57.57
When I'm talking about saving,
00:52:57.61\00:52:58.97
I want to give this
little bit of counsel.
00:52:59.01\00:53:01.44
If you are in debt
00:53:01.48\00:53:03.61
and you have a credit
card with a high interest,
00:53:03.65\00:53:06.65
it is better to put
the money once you've got
00:53:06.68\00:53:09.62
three months at least set aside,
00:53:09.65\00:53:11.15
it's better to pay off
00:53:11.19\00:53:12.52
your high
interest credit card debt
00:53:12.55\00:53:14.06
than it is to
put money in savings
00:53:14.09\00:53:15.82
because even though
00:53:15.86\00:53:17.19
you're putting money in savings,
00:53:17.23\00:53:19.23
it's being
drained by that interest.
00:53:19.26\00:53:21.86
Don't use your credit cards,
00:53:21.90\00:53:23.33
we've already
talked about for items
00:53:23.37\00:53:25.27
that you don't
need because you think,
00:53:25.30\00:53:27.17
"Oh, I'm getting this
on sale, I'm saving $100."
00:53:27.20\00:53:33.14
If you're paying
minimum payments,
00:53:33.17\00:53:34.71
by the time that
item gets paid off,
00:53:34.74\00:53:36.68
you've paid double for it.
00:53:36.71\00:53:38.05
Yes.
00:53:38.08\00:53:39.41
So let me just
skip because there's.
00:53:39.45\00:53:41.82
Oh, in Proverbs 21:5, it says,
00:53:41.85\00:53:44.79
"The plans of the
diligent lead surely to plenty,
00:53:44.82\00:53:49.06
but those of
everyone who is hasty,
00:53:49.09\00:53:51.56
surely to poverty."
00:53:51.59\00:53:53.33
So you have to diligently plan
00:53:53.36\00:53:55.53
and work hard doing
it as unto the Lord.
00:53:55.56\00:53:59.13
And if you're a young couple,
00:53:59.17\00:54:00.50
the other thing I
would say is, do...
00:54:00.54\00:54:04.07
If you're both working
and you have no children,
00:54:04.11\00:54:06.41
learn to live off
one spouse's salary,
00:54:06.44\00:54:09.54
bank the entire other salary
00:54:09.58\00:54:12.25
so that you'll have a
good down payment for a home.
00:54:12.28\00:54:15.08
And I do think a
home is acceptable debt
00:54:15.12\00:54:17.35
but don't buy more
home than you can afford.
00:54:17.39\00:54:20.32
Recently I had a young
man called me, he said,
00:54:20.36\00:54:23.73
"Oh, we finally found a home."
00:54:23.76\00:54:25.73
And I said, "What
percentage of that..."
00:54:25.76\00:54:28.00
The payment, what percentage?
00:54:28.03\00:54:29.60
He said, "Oh,
good interest rate."
00:54:29.63\00:54:31.30
What percentage of
your income is that?"
00:54:31.33\00:54:33.77
"Thirty eight percent.
00:54:33.80\00:54:35.14
Everybody's saying
what a great asset this is."
00:54:35.17\00:54:38.07
And I said, "Absolutely, not.
00:54:38.11\00:54:39.94
If it's more than
25% of your income,
00:54:39.97\00:54:42.14
that's too much house for you."
00:54:42.18\00:54:43.75
And they ended up taking
00:54:43.78\00:54:45.18
that advice
buying a different home
00:54:45.21\00:54:47.05
and now they're finding
00:54:47.08\00:54:48.42
that the cost of
upkeep is amazing
00:54:48.45\00:54:50.72
so that was good.
00:54:50.75\00:54:53.32
I've got so much.
I'm talking too much.
00:54:53.36\00:54:55.42
Managing money requires wisdom,
budgeting, and discipline.
00:54:55.46\00:55:00.16
But if all we do
is save for ourself,
00:55:00.20\00:55:01.96
then we're pilfering from God,
00:55:02.00\00:55:03.67
you know, we're supposed to
be good stewards of our mind.
00:55:03.70\00:55:07.80
I liked what the...
00:55:07.84\00:55:09.57
The quarterly says,
"When we accept Christ,
00:55:09.60\00:55:14.28
we've opened up an account."
00:55:14.31\00:55:15.68
When we're returning tithe,
00:55:15.71\00:55:17.08
we're putting that
money into that account.
00:55:17.11\00:55:19.91
But we need to
always keep our focus
00:55:19.95\00:55:23.95
as 2 Corinthians 4:18 says,
00:55:23.99\00:55:26.72
"While we do not look at
the things which are seen,
00:55:26.76\00:55:29.16
but at the things
which are not seen.
00:55:29.19\00:55:31.59
For the things that
are seen are temporary,
00:55:31.63\00:55:33.90
but the things
00:55:33.93\00:55:35.26
which are not seen are eternal."
00:55:35.30\00:55:37.27
So keep your eyes
focused on the Lord.
00:55:37.30\00:55:38.93
Wow.
00:55:38.97\00:55:40.30
You know, the one thing
00:55:40.34\00:55:41.67
that I've
learned about this lesson
00:55:41.70\00:55:43.04
is it never
gives us enough time.
00:55:43.07\00:55:44.41
Oh, no.
00:55:44.44\00:55:45.77
I like the way
that all things went,
00:55:45.81\00:55:47.14
we were very scriptural,
00:55:47.18\00:55:48.51
very biblical,
very practical, Shelley,
00:55:48.54\00:55:50.38
that was a
financial seminar right there.
00:55:50.41\00:55:53.11
And if I could
summarize what you said,
00:55:53.15\00:55:54.72
you're practical,
frugal, plan, be realistic,
00:55:54.75\00:55:57.95
and just live like a person
00:55:57.99\00:55:59.39
who just wants to avoid
debt, and you come out of it.
00:55:59.42\00:56:03.36
It's amazing how much we
learn by our own mistakes.
00:56:03.39\00:56:06.46
I think the best
counsel is an older person.
00:56:06.49\00:56:09.36
Yes. That's gone through it all.
00:56:09.40\00:56:11.23
One person even said,
I was very young person
00:56:11.27\00:56:12.60
I was married,
"When you get to my age,
00:56:12.63\00:56:14.34
then come back
and give me counsel."
00:56:14.37\00:56:16.00
Jill, summarize what
we talked about today
00:56:16.04\00:56:18.14
in your particular seminar.
00:56:18.17\00:56:19.57
Give me a few seconds here.
00:56:19.61\00:56:21.34
I think make
choices by principle,
00:56:21.38\00:56:24.01
instead of choices
by emotion or feeling.
00:56:24.05\00:56:26.28
Okay, Mollie?
Live within your means.
00:56:26.31\00:56:28.92
If your outgo
exceed your income,
00:56:28.95\00:56:30.69
your upkeep will
be your downfall.
00:56:30.72\00:56:32.42
Live within your means. Yes.
00:56:32.45\00:56:34.42
That's right. Pastor Kenny?
00:56:34.46\00:56:35.79
I think we can learn
to be better stewards,
00:56:35.82\00:56:37.96
specifically if
we eliminate debt.
00:56:37.99\00:56:40.60
Amen. Shelley?
00:56:40.63\00:56:41.96
I would just say that
when we give to the Lord
00:56:42.00\00:56:44.40
where we are...
00:56:44.43\00:56:47.60
It's something
that we have a purse
00:56:47.64\00:56:49.44
that doesn't have holes in
it but when we get into debt,
00:56:49.47\00:56:52.41
it's just like you've
cut holes into your purse.
00:56:52.44\00:56:55.28
Wow.
00:56:55.31\00:56:56.64
I've been
looking at some proverbs,
00:56:56.68\00:56:58.01
you know, Chinese
proverbs, Arabian proverbs.
00:56:58.05\00:57:00.62
The one that stuck out to
me was this Estonian proverb,
00:57:00.65\00:57:03.12
it says, "When death comes,
the rich man has no money,
00:57:03.15\00:57:07.26
and the poor man has no debt."
00:57:07.29\00:57:10.06
You know, the
Lord doesn't want us
00:57:10.09\00:57:11.43
to live like paupers,
00:57:11.46\00:57:12.79
every good and
every perfect gift
00:57:12.83\00:57:14.30
God will supply all of our need,
00:57:14.33\00:57:16.43
promises to do that.
00:57:16.46\00:57:18.33
But make wise
decisions about whether or not
00:57:18.37\00:57:22.64
you want to be a slave
of debt or servant of God.
00:57:22.67\00:57:26.98
May the Lord bless
you, until we see you again.
00:57:27.01\00:57:29.74