Welcome to Thinking about Home.
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I am Kathy Matthews
and welcome back again.
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We're going to be
continuing aren't we Dick?
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We're going to have
some more of a series,
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of a series...of a series
entitled the Christian home
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in the last days or
something like that.
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Right, yes, maybe I
should introduce you again.
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This is Pastor Richard O'Ffill.
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And I'll sort of sit
here and look like a strange.
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Yes, as if you are
stranger to this program.
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Pastor Richard O'Ffill
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from the Florida
Conference Seventh day Adventist
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and we've fun going
over a lot of things
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that the Christian
family could be learning
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in these last days.
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It's not all fun,
sometimes it's really
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serious thinking and we're going
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to be discussing
today buy now pay never,
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do you want to explain that?
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Well, that's you know,
you got to have a program
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entitled say and
so buy now pay never
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that's, you know,
that's some person says.
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Buy now pay never, I
think I like that idea
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but I won't you
know, we don't want to go
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right into it too
far but we're gonna talk
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a little bit about, about
the Tenth Commandment and,
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you know, sometimes we
talk about all the commandments
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and we never get
down to the tenth one.
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Oh, Paul did.
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And thou shalt
not covet and probably
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a lot of the
grief that we're having
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in our homes is because
we're not paying attention
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to the commandment
but anyway let's don't
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get ahead of ourselves
Definitely high on the list
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isn't it for debt.
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It's about debt,
this thou shalt not covet.
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When we get into
coveting, we get into debt,
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but let's don't ahead
of that. Okay, all right.
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Because I'm gonna
start of by saying something
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so dramatic, are
you ready for it?
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You do that regularly.
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Anyway you know
that, you know advertising
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makes Jesus out a liar. How?
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Because Jesus said
that a man and or a women
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life doesn't
consists in the abundance
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of what they possess. Right.
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What this advertising say.
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Well, says just
exactly the opposite.
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Just exactly the
opposite, the more you have
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the happy you are. Right.
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Jesus said that's
not what life's about.
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So, in a way we've in our homes,
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we've to know that advertising.
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Now advertising can inform
us but it can also put us,
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it can create covetousness.
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Yes, okay, all right, that's
where you're going with that.
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I was going to
say it's a deception
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but I wasn't certain exactly
what you were going to say.
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Because it's
telling us if you really
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want to be happy you got to have
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all these things, you
can't be like you are,
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you got be like
everybody else. Yes, right.
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And you see there was a
time in which we couldn't do
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anything about that but
now with the credit card.
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You don't have to sit still
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and let the neighbor
come in with a new book.
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No, yeah to be like
the Johannes's so to speak.
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Yeah, turn green with
envy, you don't have to turn
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green with envy anymore.
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You go flash
your own credit card.
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And you got it too or you can.
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You know this.
Which can hurt us?
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It's destroying you
know, It's destroying us.
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75% of the divorces they
say have to do with finance.
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Well, I don't know
where it is on the list
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but it is pretty high.
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Pretty close to number one.
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That's what I've heard.
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You know, going
back to what Jesus said
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about a persons
life doesn't consists
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in the abundance of
that which they possess.
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You mind if I tell
you a story? Go ahead.
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Anyway you know, we
spend some years overseas
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and you know, as we
said in the last program
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you don't know how much culture
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your life style gets
into, you're thinking out of it.
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Right, right.
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You don't know how
you miss momma's cooking
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until your wife
birthday is there anymore.
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And so in my case I like fritos
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and we call corn chips.
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Right. We call them
fritos or any body's corn ships.
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And so I can
remember. Where were you?
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In fact I brought some
here just to keep me comfort.
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They were trying to take
it away from you while ago.
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Yeah, anyway I can
remember Kathy when,
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I come back on
farewell I can have corn ships
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and just almost
tears run down my face.
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Oh, come on.
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No, I know, you
don't know what it's...
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It is most important to you?
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All right, the taste.
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Well, because I
missed it so much.
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See and I can
remember as I go around
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I tell people that you know,
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what a wonderful
think it was to be home.
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You know, you
think be home with mom
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and my in the
family, be home with my mom
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the family and fritos. I'll go.
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But anyway, I told people
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this and they started
giving me fritos for gifts.
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And then did you feel
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the same way
after you got so many?
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Well, and I
guess this is the point
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that as long as fritos
were scarce in my life,
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they were really special.
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So, do I still like fritos? Yes.
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Do I like them as much as I did
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when I didn't have them?
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No, in other
words, the joy of fritos
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was not in having
all the fritos you want,
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but in just have a
once in a while. Sparingly.
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When you were a child,
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you used to be a child you did?
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Yes, me of course.
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And I think you said before
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they were twelve
of you kids? Yes.
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So it must not have
been, unless you, you know,
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your parents name was you know,
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Rockefeller or some thing.
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You must have spend
some hard time? Oh, yes.
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But you know I
remember as a child Kathy,
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I looked forward to
summer. Oh, I did too.
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Because of the
food that would come.
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Oh, really.
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You remember that? Yes, yes.
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To me, that to me
summer was tomatoes,
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yes they were, sliced tomatoes
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the rest of the
year tomatoes but...
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And watermelon.
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But can't watermelon was a,
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you just didn't
get watermelon. Right.
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You had in the summer
we had sliced tomatoes
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the rest of the
year can tomatoes. Yes.
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We didn't have watermelon except
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in the summer a corn on the cob.
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Oh, yes. That
was the summer deal.
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Absolutely
wonderful, you used to go out
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in the garden and
pick a worm tomato
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and eat that and
when my mother picked
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I know my mother and
my family picked tubs
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we call them
number two wash tubs.
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Wash tubs full and
they would do canning,
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I would sit in the window
we didn't have any screens,
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we had a farm
house it was kind of a,
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not really a, it
was a poor situation.
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And I would sit in the window
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on the seal eating tomatoes till
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I couldn't eat tomatoes anymore.
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Because it was a summer event.
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In other words I
guess what we're saying
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is that because
nowadays it's not that way,
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you can have a sliced tomatoes.
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Anywhere. You
can have it in July.
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Anytime all most. You
can have it in December.
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At least in the United States.
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Yeah, because we're
importing that stuff
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and so I can say that not
that I don't like tomatoes,
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but tomatoes aren't
as good as they used
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to be because you know, speaking
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of a watermelon Yes.
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I heard a story
that they are having
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a big watermelon
feed and the kids
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were all sitting around there,
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you know, the seven kids down.
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And what's coming.
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And they are eating
and so that you know,
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the scout director or
the camp director stood
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and he said now boys and girls
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when you get all
finished throw your reins over
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here in the garbage can
and when those little kids
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said they aren't
going to be nowhere.
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It was desperate, I
liked it very much isn't it.
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And that was the joy,
you know, do you think back
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in those days
there was real poverty,
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but I think we
compare with today's standards
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we were all poor
and didn't know it.
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And I think there
was a quality life
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back in those days,
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it wasn't a quantity of life.
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Because we
didn't have everything
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at our finger tips.
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You know, I had a
first cousin Kathy,
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his dad was a car
dealer and to us that was rich.
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I don't know how much money
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they had but he
was an only child.
00:08:03.24\00:08:06.03
He would send me
his hand me downs.
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You being the twelfth did
you ever had hand me downs?
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Oh, what, that's all
I had, what do you mean.
00:08:10.44\00:08:13.40
Anyway he will send me
this box of hand me downs.
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I felt like it was Christmas.
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Oh, yes. I loved it.
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Oh, yes. I remember one time.
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It was new to you.
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Well, it was new to me. Yes.
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And I remember one time that.
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Is that you got started,
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I was going to
say, shall I say that.
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No, no let's not, because
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we want to save this
later on you see. Okay.
00:08:28.16\00:08:31.52
Anyway youand I get
going and we just wanna
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tell all at
once this, but anyway
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I got 30 pairs of
socks, about 30 pairs of socks.
00:08:35.56\00:08:37.88
Oh! What did you do
with 30 pairs of socks,
00:08:37.89\00:08:39.75
I thought your feet grew
00:08:39.76\00:08:40.74
before you can wear those out.
00:08:40.75\00:08:42.40
I felt like a king,
because we were poorish
00:08:42.41\00:08:45.59
and they were four of us kids.
00:08:45.60\00:08:46.57
But I never thought
poor, summer was fun because
00:08:46.58\00:08:49.21
it was sliced
tomatoes, and corn on the cob.
00:08:49.22\00:08:51.00
And time to take my shoes off.
00:08:51.01\00:08:52.54
But, is it as muchas
fun as it used to be.
00:08:52.55\00:08:58.35
We have more
than we've ever had.
00:08:58.36\00:08:59.67
Right, I can have.
00:08:59.68\00:09:01.62
Well, we didn't go to
town unless it was occasional
00:09:01.63\00:09:06.13
or just maybe when
I needed to buy shoes,
00:09:06.14\00:09:08.48
I had to ask my older sisters
00:09:08.49\00:09:10.18
if this was true
when I was really young
00:09:10.19\00:09:14.93
my dad had to go
into town, I thought town
00:09:14.94\00:09:16.86
was so far away and
it was only ten miles
00:09:16.87\00:09:19.84
and I wondered
why we can never go
00:09:19.85\00:09:22.05
and then occasionally
we would go and I find out
00:09:22.06\00:09:24.89
it was twice a
year and it was only
00:09:24.90\00:09:26.92
so that I could buy shoes.
00:09:26.93\00:09:28.13
This was up until I was probably
00:09:28.14\00:09:30.66
in the first
grade. Oh, sure right.
00:09:30.67\00:09:31.99
Something like
that and it was a treat
00:09:32.00\00:09:35.40
to be able to do that,
children go now everywhere
00:09:35.41\00:09:39.52
parents go and nothing
is special. Another thing...
00:09:39.53\00:09:42.14
And they are little
special, let's put it that way.
00:09:42.15\00:09:44.56
Do you remember
when we had school shoes
00:09:44.57\00:09:47.02
and church shoes
that was it. Yes.
00:09:47.03\00:09:48.80
And now look in our clothes.
00:09:48.81\00:09:49.78
Now I had farm
shoes and school shoes,
00:09:49.79\00:09:52.19
I did even have church shoes.
00:09:52.20\00:09:53.17
Okay, you did that's right
because you did you had come
00:09:53.18\00:09:55.33
to that place in
your life yet. Right.
00:09:55.34\00:09:57.41
But then now I, as
I began to, you know,
00:09:57.42\00:10:00.02
to plug into my, into my memory.
00:10:00.03\00:10:03.27
You remember what layaway,
you remember that expression
00:10:03.28\00:10:05.19
when we used to
buy things on layaway
00:10:05.20\00:10:06.47
All right, yes yeah.
00:10:06.48\00:10:07.96
And so you will
give about a dollar down
00:10:07.97\00:10:10.01
and then you kind of pay
it off just a little bit.
00:10:10.02\00:10:12.52
I think the first
time I remember...
00:10:12.53\00:10:14.13
Is that delayed satisfaction?
00:10:14.14\00:10:15.46
And you didn't get it either.
00:10:15.47\00:10:17.50
It had to stay there
till it was paid for.
00:10:17.51\00:10:20.16
And I think that as
a child I can remember
00:10:20.17\00:10:24.28
the department stores, you know,
00:10:24.29\00:10:26.51
the town will have its
local department store,
00:10:26.52\00:10:28.36
I think it had a
credit but this credit card
00:10:28.37\00:10:31.53
thing you know, I don't remember
00:10:31.54\00:10:33.27
in what year it popped out
but then pretty soon credit,
00:10:33.28\00:10:37.01
you know, these plastic cards
00:10:37.02\00:10:38.30
were everywhere
and layaway was I know,
00:10:38.31\00:10:42.17
I suppose they may
have it some places.
00:10:42.18\00:10:43.87
They do, they still has.
00:10:43.88\00:10:44.97
But, it's out
the window basically
00:10:44.98\00:10:46.69
because you just
flip that card down
00:10:46.70\00:10:48.84
and you take it away
and know that you know.
00:10:48.85\00:10:53.00
Makes it easy. It makes it easy.
00:10:53.01\00:10:54.49
Makes it easy.
00:10:54.50\00:10:55.79
I was in the Sabbath
school class one time
00:10:55.80\00:10:57.82
and they were talking
about the curse of slavery
00:10:57.83\00:11:00.86
and you know, when
you think of awfulness
00:11:00.87\00:11:02.44
this slavery is
around the planet.
00:11:02.45\00:11:05.08
And you thought
you were talking about
00:11:05.09\00:11:06.70
something from the past right.
00:11:06.71\00:11:08.44
It must see and
sold and so and that's
00:11:08.45\00:11:10.27
what the teacher
said aren't we glad
00:11:10.28\00:11:13.31
we don't have slavery anymore.
00:11:13.32\00:11:14.66
And you said.
00:11:14.67\00:11:15.64
I raised my hand, I said,
00:11:15.65\00:11:17.91
right now you go
ahead and read the text.
00:11:17.92\00:11:19.23
Oh! Do you want me to
read it out of here, okay?
00:11:19.24\00:11:20.57
Now who is in one little scene.
00:11:20.58\00:11:21.73
I think its proverbs
that we talked about.
00:11:21.74\00:11:23.31
Proverbs 22 verse 7. Okay.
00:11:23.32\00:11:25.68
And because I
raised my hand and the text
00:11:25.69\00:11:27.94
I would be referring
00:11:27.95\00:11:28.92
to in verse 7 what is this say?
00:11:28.93\00:11:30.46
It says, the rich
ruleth over the poor
00:11:30.47\00:11:34.37
And the borrower is
servant to the lender.
00:11:34.38\00:11:37.74
See and so you know,
what I said to the teacher,
00:11:37.75\00:11:39.33
I said you want to know
what the slavery is like?
00:11:39.34\00:11:41.72
It's like debt,
that's why it's like.
00:11:41.73\00:11:43.62
And what did he say?
00:11:43.63\00:11:44.76
Well, I don't know
whether they thought about
00:11:44.77\00:11:46.42
it before because you
know, some things when you say
00:11:46.43\00:11:48.11
things like that
they'll say woo... you know,
00:11:48.12\00:11:49.79
we don't want to talk about
00:11:49.80\00:11:50.77
that just don't
talk about real things.
00:11:50.78\00:11:52.16
Or revelation hits.
00:11:52.17\00:11:53.82
Well and then
see, because you know,
00:11:53.83\00:11:55.53
really slavery is a 100% dead.
00:11:55.54\00:11:57.97
Now a slave owes
a 100% to whoever
00:11:57.98\00:12:01.02
and so I heard
someone say to the extend
00:12:01.03\00:12:04.08
that were in debt
you know, to that extend.
00:12:04.09\00:12:07.03
We are also in slavery.
00:12:07.04\00:12:08.01
We are to oblige to somebody.
00:12:08.02\00:12:11.29
In other words my
paycheck that I get is only mine
00:12:11.30\00:12:15.46
to the extend that
I don't have already
00:12:15.47\00:12:17.44
obligated that
paycheck to somebody else.
00:12:17.45\00:12:20.57
And you know, you know they...
00:12:20.58\00:12:23.04
I think the reason
that we've done this
00:12:23.05\00:12:25.27
we call this
program buy now pay never.
00:12:25.28\00:12:27.68
And I don't have the statistic
00:12:27.69\00:12:29.04
for it but they
say that if you pay
00:12:29.05\00:12:31.52
the minimum on the credit card.
00:12:31.53\00:12:33.59
Right, we might
never pay it off.
00:12:33.60\00:12:35.67
Okay I was gonna say it's years,
00:12:35.68\00:12:37.73
it's like you
know, as much as paying
00:12:37.74\00:12:39.59
off the house,
just pay the minimum
00:12:39.60\00:12:41.73
and you never pay out.
00:12:41.74\00:12:43.42
Right, and that's good
for the company isn't it?
00:12:43.43\00:12:47.92
We're not good for the family.
00:12:47.93\00:12:49.34
when I knew we're
gonna do this program I,
00:12:49.35\00:12:52.50
sometimes when I
go out to get the mail
00:12:53.70\00:12:55.70
the garbage cans out
there, so I'm able to...
00:12:55.71\00:12:58.23
You mean, you just have a handy
00:12:58.24\00:12:59.29
by the mailbox that's what.
00:12:59.30\00:13:00.27
Well, no, if the mail
comes, the garbage comes
00:13:00.28\00:13:02.89
twice a week see, so
I'll go and get the mail
00:13:02.90\00:13:05.27
to take the garbage
00:13:05.28\00:13:06.25
can in and so you
can do the fish sorting.
00:13:06.26\00:13:07.72
I thought may be you had the...
00:13:07.73\00:13:09.33
you were expecting the junk mail
00:13:09.34\00:13:10.80
and you just had a
dumb near the mailbox.
00:13:10.81\00:13:12.59
Well, that's the way it works,
00:13:12.60\00:13:14.78
and so you know,
before this program
00:13:14.79\00:13:18.43
I thought well I
wonder if I'll get in the air,
00:13:18.44\00:13:20.56
advertisements for credit cards.
00:13:20.57\00:13:22.54
And you did. I did all the time.
00:13:22.55\00:13:26.54
And where you in debt.
00:13:26.55\00:13:27.64
I don't, I read
that in a recent year
00:13:27.65\00:13:30.75
the credit card
companies send out two billion,
00:13:30.76\00:13:36.88
solicitations for
offer credit cards.
00:13:36.89\00:13:40.34
And they are coming all the time
00:13:40.35\00:13:43.68
and some people just
have stacks of this thing.
00:13:43.69\00:13:47.42
Yes, I get them too.
00:13:47.43\00:13:48.41
I saw, what they do, you know,
00:13:48.42\00:13:51.76
they'll go
ahead and fill it out,
00:13:51.77\00:13:52.78
until they get.
00:13:52.79\00:13:53.76
Just to make it
really convenient.
00:13:53.77\00:13:55.10
Well so you know, you can just,
00:13:55.11\00:13:56.48
it's kind of like... What?
00:13:56.49\00:13:59.52
You know, and
you just have so much
00:13:59.53\00:14:00.65
that in the air see and then,
00:14:00.66\00:14:02.63
and then some people
will say well, you know,
00:14:02.64\00:14:04.68
I will just keep
trading credit card
00:14:04.69\00:14:05.93
so I'll put money on this card
00:14:05.94\00:14:07.98
and then I'll
switch it to this card
00:14:07.99\00:14:09.53
and they're really you
know, it's like juggling.
00:14:09.54\00:14:13.01
Juggling it all. You
know, some one says you got
00:14:13.02\00:14:15.12
to keep these balls in
the air but some of these
00:14:15.75\00:14:16.72
are glass balls when
they fall.. It's gone.
00:14:16.73\00:14:18.94
That they break,
and so there's homes
00:14:18.95\00:14:20.48
been broken because there,
they're juggling debt. Yeah.
00:14:20.49\00:14:24.90
I got this
National News Magazine
00:14:24.91\00:14:28.17
a few weeks ago
and it says here,
00:14:28.18\00:14:31.04
it says are you maxed
out American consumers
00:14:31.05\00:14:34.87
are drowning in debt,
and it's got this couple here
00:14:34.88\00:14:39.34
you know, with
up to their necks.
00:14:39.35\00:14:40.51
Right, you might
turn that around,
00:14:40.52\00:14:41.86
to may be show to your camera.
00:14:41.87\00:14:43.03
Yeah, camera is
good, isn't that awful
00:14:43.04\00:14:44.10
Yes or turn it down I'm not sure
00:14:44.11\00:14:45.82
which is the
best but I saw that.
00:14:45.83\00:14:47.62
Did you see that?
I did see that, yes.
00:14:47.63\00:14:49.32
And so this is a huge problem
00:14:49.33\00:14:51.66
we have in this country. Yes.
00:14:51.67\00:14:53.49
And I might say
that when you travel ...
00:14:53.50\00:14:57.22
I don't want to say
around the world in every place.
00:14:57.23\00:14:59.42
A credit card is
a money everywhere
00:14:59.43\00:15:00.85
and so this, these credit cards
00:15:00.86\00:15:02.63
just go
everyplace. Just killing us.
00:15:02.64\00:15:04.77
And it's impacting in our homes
00:15:04.78\00:15:10.91
and so you know,
0what I perceive is,
00:15:10.92\00:15:13.87
is it advertising
comes in and makes us
00:15:13.88\00:15:16.14
dissatisfied with
this status score.
00:15:16.15\00:15:19.02
Discontent in our heart.
00:15:19.03\00:15:20.12
Yeah, when you seen your card
00:15:20.13\00:15:21.27
they say amen I got
to get rid of this card,
00:15:21.28\00:15:23.09
my house is so
crummy, I need to knew this,
00:15:23.10\00:15:25.47
or I need to knew that
and so discontent comes
00:15:25.48\00:15:29.25
and then and with
discontent we begin to look
00:15:29.26\00:15:31.79
at others, we compare our self.
00:15:31.80\00:15:33.50
Right, have we thought
00:15:33.51\00:15:34.73
that this might
be the devil's plan?
00:15:34.74\00:15:37.08
Well, this is I think
it's part of the dynamic
00:15:37.09\00:15:39.27
of the last days
debt to the extent
00:15:39.28\00:15:42.06
they were into
debt has to be the part
00:15:42.07\00:15:44.99
of the dynamic of the last days.
00:15:45.00\00:15:46.95
Because if it's, what it's doing
00:15:46.96\00:15:48.82
it's taking away our freedom.
00:15:48.83\00:15:53.58
because we're becoming bonded
00:15:53.59\00:15:55.18
and bondage to whom we served.
00:15:55.19\00:15:59.18
To whom we served. Yes.
00:15:59.19\00:16:00.38
And so here
everything we have belongs
00:16:00.39\00:16:02.91
to someone else
and yet there are,
00:16:02.92\00:16:05.08
it's not unusual
that people are have it
00:16:05.09\00:16:09.52
but appears to be a
huge standard of living.
00:16:09.53\00:16:12.12
Yes. And they can't enjoy it.
00:16:12.13\00:16:14.44
Right, because
all of this will haze
00:16:14.45\00:16:16.17
on your mind and
I've often wondered
00:16:16.18\00:16:19.19
how does that person get that.
00:16:19.20\00:16:20.84
What kind of job
do they have to have
00:16:20.85\00:16:23.01
to get that and then it keeps
00:16:23.02\00:16:24.20
coming back to me,
probably not the job
00:16:24.21\00:16:27.16
it's probably the credit card.
00:16:27.17\00:16:28.59
Oh, definitely.
00:16:28.60\00:16:29.89
I've talked through the years
00:16:29.90\00:16:33.32
with realtors you
know, for one reason
00:16:33.33\00:16:35.27
or another just in passing.
00:16:35.28\00:16:37.29
And more than once excuse me,
00:16:37.30\00:16:39.95
they have said
that there will be some
00:16:39.96\00:16:43.56
beautiful house,
and then you know,
00:16:43.57\00:16:45.70
pass it on the street
no furniture inside. Right.
00:16:45.71\00:16:48.98
Or the air-condition is not on,
00:16:48.99\00:16:50.46
they are in such debt.
00:16:50.47\00:16:52.71
That they can't.
00:16:52.72\00:16:53.69
That they can't
furnish the place.
00:16:53.70\00:16:54.88
Yes, right, yeah.
00:16:54.89\00:16:56.08
It's a scary thing.
00:16:58.07\00:16:59.04
Do you know, there is a dynamic
00:16:59.05\00:17:02.69
that we maybe we
ought to mention here,
00:17:02.70\00:17:04.17
have you heard
of this we usually
00:17:04.18\00:17:06.79
use this expression
when we talk about children,
00:17:06.80\00:17:08.65
peer independency.
00:17:08.66\00:17:09.87
Wait a minute I am saying
00:17:13.25\00:17:14.22
that peer pressure using there.
00:17:14.23\00:17:15.50
Oh, well that's
about, okay with this...
00:17:15.51\00:17:16.94
Peer pressure but I guess
00:17:16.95\00:17:18.24
I put the card before the horse.
00:17:18.25\00:17:20.31
Peer pressure is
natural as barometric,
00:17:20.32\00:17:24.00
what is the word.. Barometric.
00:17:24.01\00:17:25.23
Barometric
pressure, it's barometric,
00:17:25.24\00:17:26.88
it's all around you anyway Yes.
00:17:26.89\00:17:28.85
But many of us have developed
00:17:28.86\00:17:30.64
what we might
called peer dependence.
00:17:30.65\00:17:32.54
Okay, all right.
00:17:32.55\00:17:33.97
In other words it's all right
00:17:33.98\00:17:35.42
that we're
surrounded by our culture
00:17:35.43\00:17:36.82
but when I began to
think that the clothes I wear,
00:17:36.83\00:17:41.17
the car I drive,
the house I live in
00:17:41.18\00:17:43.88
that if it is it
meeting the expectations
00:17:43.89\00:17:46.69
of the society. Right.
00:17:46.70\00:17:49.01
Then I've become peer dependant
00:17:49.02\00:17:52.84
and so pretty soon
I've lost control of my life
00:17:52.85\00:17:55.84
and I've to go into
debt to meet with you know,
00:17:55.85\00:17:58.16
what to say your expectations
00:17:58.17\00:18:00.17
and so I'm watching
all of these commercials
00:18:00.18\00:18:02.38
and I'm watching
all these people around.
00:18:02.39\00:18:03.92
Being fed all of this.
00:18:03.93\00:18:05.30
That's it, if I'm not like that.
00:18:05.31\00:18:07.96
Then I'm not expectable.
00:18:07.97\00:18:09.26
Then I'm not...
Then I'm not expected.
00:18:09.27\00:18:10.78
I'm not, I'm
some kind of failure.
00:18:10.79\00:18:12.37
And so when we get a
home this going on there
00:18:12.38\00:18:15.53
and then the children
get into that see now,
00:18:15.54\00:18:17.91
I don't know what you would say
00:18:17.92\00:18:19.21
because you know,
you have some wonderful
00:18:19.22\00:18:21.34
things to say about parenting,
00:18:21.35\00:18:22.42
but how do you
resist this sort of cry
00:18:22.43\00:18:26.59
of the children oh,
we got to have this,
00:18:26.60\00:18:29.11
do you have any
feeling about that?
00:18:29.12\00:18:30.16
Well, yes I've, we
have to help children
00:18:30.17\00:18:32.89
or help our children understand
00:18:32.90\00:18:34.07
just what it cost
to live and you know,
00:18:34.08\00:18:36.51
one other things that
I picked up this before
00:18:36.52\00:18:39.81
as we were talking
about doing this program
00:18:39.82\00:18:41.58
was I was in a hospital
and this had to be there
00:18:41.59\00:18:45.95
and it's a
magazine called Stages.
00:18:45.96\00:18:48.52
I've never seen it before
but it happened to be there
00:18:48.53\00:18:51.29
and there was an article
00:18:51.30\00:18:53.02
in it called
want read it Fiscal...
00:18:53.03\00:18:57.43
Fiscal, you see
when I look at it.
00:18:57.44\00:19:00.11
You read it wrong first time.
00:19:00.12\00:19:01.21
I wanted to say Physical. No.
00:19:01.22\00:19:02.68
it's fiscal fitnes for teens
00:19:02.69\00:19:05.20
it's almost a tongue twister.
00:19:05.21\00:19:06.18
Yes, it is and so
I've started reading
00:19:06.19\00:19:08.30
and I thought this
would do well on this program
00:19:08.31\00:19:10.72
and some of the
things that the secular world
00:19:10.73\00:19:14.35
is suggesting to
implement with our children
00:19:14.36\00:19:17.11
is something that
Christians definitely
00:19:17.12\00:19:19.28
need to be implementing
because I think it's biblical
00:19:19.29\00:19:21.42
to do so and
that is to teach them
00:19:21.43\00:19:23.37
to manage money.
00:19:23.38\00:19:25.70
And so, what are
some of those suggestions.
00:19:25.71\00:19:26.85
Well, some of the suggestions
00:19:26.86\00:19:28.06
I can't exactly agree
with but I won't go into those.
00:19:28.07\00:19:31.06
No, right. And
then, there are some
00:19:31.07\00:19:34.37
that I think are excellent,
encourage income tracking
00:19:34.38\00:19:37.99
and planned spending.
00:19:38.00\00:19:40.87
Okay, when teens track exactly
00:19:40.88\00:19:43.38
how much they spend
they become more conscious
00:19:43.39\00:19:46.23
of how much things cost.
00:19:46.24\00:19:47.95
Well, that seems to
be a no brainer almost.
00:19:47.96\00:19:50.83
We do need to
help children to know
00:19:52.74\00:19:56.49
just the value
of money and labor
00:19:56.50\00:19:59.69
is a good way to do that.
00:19:59.70\00:20:01.02
Another one is
share family finances.
00:20:01.03\00:20:03.92
In other words
let your children know
00:20:03.93\00:20:06.03
how much you are making and how,
00:20:06.04\00:20:07.86
where it goes so
here is the suggestion.
00:20:07.87\00:20:10.58
Make bill
paying a family affair,
00:20:10.59\00:20:13.19
by occasionally
letting your kids write out
00:20:13.20\00:20:15.25
the checks for the mortgage,
00:20:15.26\00:20:16.23
And I would add to that anything
00:20:17.75\00:20:19.57
that they have done extra
they get pay for. Yes, okay.
00:20:19.58\00:20:22.79
You know, and if they can't do
00:20:22.80\00:20:24.89
that then maybe
they need to realize
00:20:24.90\00:20:28.36
how much mother Natty has to put
00:20:28.37\00:20:29.53
into it to give that to them.
00:20:29.54\00:20:31.75
here, show you
kids your pay stubs
00:20:31.76\00:20:35.02
point out gross pay and net pay
00:20:35.03\00:20:36.47
and I am now add to
that help them to realize
00:20:36.48\00:20:39.05
what it takes for
tithes and offerings
00:20:39.06\00:20:40.77
when it comes out of that.
00:20:40.78\00:20:43.14
Introduce saving
and investing concepts,
00:20:43.15\00:20:45.78
those kinds of things.
00:20:45.79\00:20:48.59
Here's one, that I thought
was an interesting comment
00:20:48.60\00:20:51.61
and even if you are teen funds
00:20:51.62\00:20:53.79
the account that the,
even if you are teen funds
00:20:53.80\00:20:56.28
the account with money
this is if they have a,
00:20:56.29\00:20:58.52
a checking
account perhaps with money
00:20:58.53\00:21:01.72
from a regular or summer job,
00:21:01.73\00:21:03.38
oh! get this you
can still set rules
00:21:03.39\00:21:06.44
about how it
spent and this to me
00:21:06.45\00:21:09.72
would help
families come out of this
00:21:09.73\00:21:11.34
if youth were taught
this, so that when they have
00:21:11.35\00:21:14.19
their own homes
they wouldn't have
00:21:14.20\00:21:15.58
to get into this conflict.
00:21:15.59\00:21:16.56
Yes, that's true,
that's true. You know.
00:21:16.57\00:21:18.14
Well you know, sometimes I think
00:21:18.15\00:21:19.68
our children they
take it for granted
00:21:19.69\00:21:21.96
that the money they might earn
00:21:21.97\00:21:25.63
it's for play, isn't this true?
00:21:25.64\00:21:28.91
Well. In other
words I'm gonna pay.
00:21:28.92\00:21:30.18
I don't think so.
00:21:30.19\00:21:31.16
I'm gonna pay your
clothes, your boarding room.
00:21:31.17\00:21:34.34
That's not the way I grew up.
00:21:34.35\00:21:35.32
And whatever money you may.
00:21:35.33\00:21:36.30
Well I remember,
now of course you know,
00:21:36.31\00:21:37.73
And I know that.
00:21:37.74\00:21:38.71
if it's you and I start saying.
00:21:38.72\00:21:39.69
When I was a child.
00:21:39.70\00:21:41.73
I knew, you're
going to say that.
00:21:41.74\00:21:43.11
But it's true, you know,
00:21:43.12\00:21:44.49
there must have been
principles because...
00:21:44.50\00:21:46.66
That we should continue with?
00:21:46.67\00:21:47.98
Well, I think so.
00:21:47.99\00:21:50.14
now, may be my dad went too far,
00:21:50.15\00:21:52.38
but I can remember
working in the summer
00:21:52.39\00:21:54.54
and Kathy believe it
or not when I would get
00:21:54.55\00:21:56.78
my paycheck at
the end of the week
00:21:56.79\00:21:58.24
I worked on a
plastering crew. Yes.
00:21:58.25\00:21:59.85
I handed it to my
father and because I was going
00:21:59.86\00:22:03.02
to the academy and to college
00:22:03.03\00:22:05.70
but you know, there
are, I suppose you know,
00:22:05.71\00:22:08.17
maybe people who
have more money you know,
00:22:08.18\00:22:10.55
they have more
latitude but I think
00:22:10.56\00:22:13.02
for the average person,
I think I hear this saying
00:22:13.03\00:22:16.97
that the child must see himself
00:22:16.98\00:22:18.72
as a partner in
the family finance.
00:22:18.73\00:22:22.80
I agree with you.
00:22:22.81\00:22:24.17
Tom had to lift railroad tires.
00:22:24.18\00:22:28.19
Do you know, what it
takes to lift railroad tires
00:22:28.20\00:22:30.49
and that was a
job that he would do
00:22:30.50\00:22:32.74
after school and he
lifted railroad tires
00:22:32.75\00:22:34.69
then it wasn't
just for fun and I,
00:22:34.70\00:22:36.70
the money was used
for his activities,
00:22:36.71\00:22:38.97
his recreation as well.
00:22:38.98\00:22:40.45
But it also paid the
gas, paid the car payment
00:22:40.46\00:22:43.79
and different things,
mom and dad just didn't do
00:22:43.80\00:22:45.70
that for him and
my family was just not
00:22:45.71\00:22:47.66
in a position
where non of us had cars,
00:22:47.67\00:22:50.35
no not one had a vehicle.
00:22:50.36\00:22:53.95
And that's part of
the culture that demands
00:22:53.96\00:22:58.35
or the discontent everybody
who turns to certain age,
00:22:58.36\00:23:01.38
they think they
have to have a vehicle
00:23:01.39\00:23:02.92
and that puts the
family in a horrible debt.
00:23:02.93\00:23:05.65
Do you know...
00:23:05.66\00:23:06.63
To have extras like
that, now may be not everybody
00:23:06.64\00:23:09.05
can agree with me
on that kind of thing
00:23:09.06\00:23:11.42
you know, that's up to
you, if you don't feel like
00:23:11.43\00:23:13.21
you can agree with
me but if you're in debt
00:23:13.22\00:23:16.25
you might consider,
what things you can remove.
00:23:16.26\00:23:19.67
Well, I think we're saying that,
00:23:19.68\00:23:22.57
see we love our children,
our grand children. Yes.
00:23:22.58\00:23:24.96
One of my grand sons came to me
00:23:26.24\00:23:28.05
the other day he need a $5.
00:23:28.06\00:23:30.34
He said grandpa I
need $5 I'll work for you
00:23:30.35\00:23:33.26
and so you know,
what I've just said
00:23:33.27\00:23:36.13
I've been in
favor of that so I said
00:23:36.14\00:23:38.43
well I need the weeds
pulled in this flower garden
00:23:38.44\00:23:41.76
and I know I made
a mistake you know,
00:23:41.77\00:23:43.01
what I did I gave him the $5
00:23:43.02\00:23:44.69
before he pulled the weeds. Oh.
00:23:44.70\00:23:46.66
Guess, what the weeds
never got pulled. Oh, really.
00:23:46.67\00:23:50.28
I mean I couldn't you
know, what can you say
00:23:50.29\00:23:52.67
but later he
came and said grandpa
00:23:52.68\00:23:54.56
I want to wash the car.
00:23:54.57\00:23:55.81
You know, what I said
then after you pull the weeds.
00:23:55.82\00:24:00.16
What was that?
00:24:00.17\00:24:01.20
I have to because and he laughed
00:24:01.21\00:24:02.48
because he knew and I,
we owe it if we owe it,
00:24:02.49\00:24:09.41
we love our children
and I think that we owe it
00:24:09.42\00:24:13.34
to them to teach them
financial responsibilities.
00:24:13.35\00:24:16.88
And but you know,
the credit card companies
00:24:16.89\00:24:18.58
and I know they
are honest people
00:24:18.59\00:24:19.87
make their living
you know, selling credit.
00:24:19.88\00:24:22.67
But you know, they
are giving credit cards
00:24:22.68\00:24:25.30
to very young, and I know
00:24:25.31\00:24:28.62
they're giving it
to college students.
00:24:28.63\00:24:29.95
I know but listen to me
here it says here's the another
00:24:29.96\00:24:31.92
thing be cautious
about credit cards.
00:24:31.93\00:24:35.27
This person who
is writing opposed
00:24:35.28\00:24:37.45
the students
having, he was opposed
00:24:37.46\00:24:40.08
to students having credit card
00:24:40.09\00:24:41.24
even when they go to college.
00:24:41.25\00:24:44.02
Now, if this can
be suggested here
00:24:44.03\00:24:46.77
what should the
Christian family do
00:24:46.78\00:24:48.75
to avoid the heart
break that comes from that?
00:24:48.76\00:24:52.00
What do you think?
00:24:52.01\00:24:53.01
You know, going
back to the first part
00:24:53.02\00:24:54.75
of this program
thou shalt not covet.
00:24:54.76\00:24:58.68
We need to learn to
live within our means. Yeah.
00:24:58.69\00:25:03.40
The whole business of
credit is exacerbating
00:25:03.41\00:25:07.66
our discontent,
it's putting us into debt
00:25:07.67\00:25:11.16
which removes our freedom.
00:25:11.17\00:25:12.31
You know, here in this magazine
00:25:12.32\00:25:16.56
there are some more tips now,
00:25:16.57\00:25:17.75
this is not address to children
00:25:17.76\00:25:19.36
but I'll share
couple of these. Right.
00:25:19.37\00:25:23.54
The first max
when it comes to debt
00:25:23.55\00:25:25.27
is you don't save
money by borrowing more.
00:25:25.28\00:25:27.71
And the person
start out by saying
00:25:27.72\00:25:29.63
face the real problem
credit cards don't sneak out
00:25:29.64\00:25:32.49
at night and go
shopping by themselves.
00:25:32.50\00:25:35.09
Okay. That's a good point.
00:25:35.10\00:25:36.28
In my hand right.
00:25:36.29\00:25:37.30
Another one I
thought is very good,
00:25:37.31\00:25:39.21
lower you
spending and then he says
00:25:39.22\00:25:42.35
here the
subversive thought aim to live
00:25:42.36\00:25:44.49
on less than you earn.
00:25:44.50\00:25:46.08
You know, Betty
and I've done that.
00:25:46.09\00:25:47.24
I could have had virtually Kathy
00:25:47.25\00:25:49.53
higher standard of living.
00:25:49.54\00:25:50.97
But I kind of set
my standard of living
00:25:50.98\00:25:52.82
all though Betty works
too, so that if one of us
00:25:52.83\00:25:55.77
went out of work we
don't sink. And then.
00:25:55.78\00:25:59.72
And so that means
that we don't have
00:25:59.73\00:26:01.23
as many things
as we might have had
00:26:01.24\00:26:03.01
but we're not
worried, we don't have
00:26:03.02\00:26:05.38
the financial worries
if we had been in debt.
00:26:05.39\00:26:08.01
And here is the
another suggestion
00:26:08.02\00:26:09.24
add to the retirement savings
00:26:09.25\00:26:10.98
people forget
that they gonna retire
00:26:10.99\00:26:12.27
one day and social
security is not enough
00:26:12.28\00:26:15.41
to live on after retirement.
00:26:15.42\00:26:17.11
And here's the good one
00:26:17.12\00:26:18.20
pay off high
interest credit cards. Yes.
00:26:18.21\00:26:22.73
If we don't get
our way out of these.
00:26:22.74\00:26:23.87
Get them out of the way.
00:26:23.88\00:26:24.85
It's going to be forever.
00:26:24.86\00:26:25.83
Anyway I'm sure
there's lot of suggestions
00:26:25.84\00:26:27.63
but I think the challenge
that we want to leave it
00:26:27.64\00:26:29.68
in the program is
that as Christian families
00:26:29.69\00:26:33.98
if we're not sensitive
to this matter of debt,
00:26:33.99\00:26:37.10
it's gonna scramble our
some of our discernment,
00:26:37.11\00:26:40.09
it's gonna put a
weight on our back
00:26:40.10\00:26:41.87
so because we're gonna
00:26:41.88\00:26:42.87
need to be lean and
mean in the last days.
00:26:42.88\00:26:46.35
And you can't be lean and mean
00:26:46.36\00:26:47.87
you know, that's
an expression. Yes.
00:26:47.88\00:26:49.20
If you just up to here in debt
00:26:49.21\00:26:51.03
and you're looking you know.
00:26:51.04\00:26:53.36
Able to do what
we need to do. Yeah.
00:26:53.37\00:26:56.00
You're talking
about the lean and mean,
00:26:56.01\00:26:57.43
we need to be able to do
00:26:57.44\00:26:58.56
what we need to do
when the time comes.
00:26:58.57\00:27:00.08
And that's the point. Yeah.
00:27:00.09\00:27:01.15
And we need to be able to say,
00:27:01.16\00:27:03.84
you know, I'm
living within my means.
00:27:03.85\00:27:06.05
Now, for some
this is gonna means
00:27:06.06\00:27:08.45
some we're gonna bite
the board as they says. Yes.
00:27:08.46\00:27:10.43
We're gonna have to
change our lifestyle.
00:27:10.44\00:27:12.45
But we got to come in grips
with this covetous attitude
00:27:12.46\00:27:16.54
of this age which
says life consists
00:27:16.55\00:27:20.10
in having more and more
and I they just love it.
00:27:20.11\00:27:21.85
Yeah it doesn't,
you know, it's already
00:27:21.86\00:27:24.86
over again and we need
to say good bye right? Yes.
00:27:24.87\00:27:27.07
you're gonna come
back? I'll be back.
00:27:27.08\00:27:29.31
You'll be back, the principles
00:27:29.32\00:27:32.15
that we've give to
you think about them,
00:27:32.16\00:27:36.89
I hope you can corporate
some of them in your home,
00:27:36.90\00:27:39.40
may be get yourself out
of debt if you're in it.
00:27:39.41\00:27:42.14
And join us again
on Thinking About Home.
00:27:42.15\00:27:46.12
We're going to pray for you.
00:27:46.13\00:27:48.75
Heavenly father
make us sensitive Lord
00:27:48.76\00:27:50.67
to what Jesus said
that our life does not
00:27:50.68\00:27:52.88
consists in the
things that we have.
00:27:52.89\00:27:55.68
Teach us to seek first
00:27:55.69\00:27:57.21
the kingdom of God
in His righteousness.
00:27:57.22\00:27:59.90