Have you ever been so broke
that it just didn't make sense?
00:00:01.50\00:00:04.53
Well, stay
tuned to meet the host
00:00:04.57\00:00:06.00
of Dare to Dream's New
Money Management Program.
00:00:06.03\00:00:08.60
My name is Jason Bradley
00:00:08.64\00:00:10.01
and you are
watching Urban Report.
00:00:10.04\00:00:12.14
Hello and
welcome to Urban Report.
00:00:36.50\00:00:38.37
My guests today are Dr.
Yvonne Lewis and Ryan Mack.
00:00:38.40\00:00:41.67
Our primary host Ryan
Mack is a frequent contributor
00:00:41.70\00:00:44.77
to CNN and CNBC.
00:00:44.81\00:00:47.18
He received the top 40
under 40 Achievement award
00:00:47.21\00:00:49.91
from the Network Journal,
and received Tom Joyner's
00:00:49.94\00:00:52.71
Hardest Working
Financial Advisor Award
00:00:52.75\00:00:55.18
because of his efforts
to empower the community
00:00:55.22\00:00:57.49
with the crucial life
skills of financial literacy.
00:00:57.52\00:01:00.86
And Dr. Yvonne
Lewis, the general manager
00:01:00.89\00:01:03.12
of the Dare to Dream Network
00:01:03.16\00:01:04.49
is playing a supporting
role by asking questions
00:01:04.53\00:01:07.26
that represent
the viewer's concerns.
00:01:07.30\00:01:09.66
I had the privilege
of interviewing them
00:01:09.70\00:01:11.47
on the set of Dollars & Cents.
00:01:11.50\00:01:13.20
Let's take a look.
00:01:13.23\00:01:16.50
I'm here on the
set of Dollars & Cents
00:01:16.54\00:01:18.77
with two very special
people, Ryan Mack, and a woman
00:01:18.81\00:01:22.81
that is so near
and dear to my heart,
00:01:22.84\00:01:25.68
she raised me, my
mother, Yvonne Lewis.
00:01:25.71\00:01:29.65
So good to be here with you all.
00:01:29.68\00:01:31.02
Thank you.
00:01:31.05\00:01:32.39
Yes, yes, you're a good mom.
00:01:32.42\00:01:34.02
Thank you, honey
00:01:34.06\00:01:35.39
'cause you're sitting
right next to me, right?
00:01:35.42\00:01:39.53
Now I am so excited about
this program because you know,
00:01:39.56\00:01:42.80
a lot of people have,
have questions about finances.
00:01:42.83\00:01:48.04
Ryan, why don't you start
00:01:48.07\00:01:49.40
by giving us a little
bit of your background?
00:01:49.44\00:01:51.71
Well, I'm from
Detroit, Michigan.
00:01:51.74\00:01:54.61
And, well, thank
you for having me
00:01:54.64\00:01:56.28
on here first of all.
00:01:56.31\00:01:57.65
It's been a great,
I think Dare to Dream
00:01:57.68\00:01:59.08
is a premiere
network, worthy of support
00:01:59.11\00:02:01.98
and is on the
cutting edge of solutions
00:02:02.02\00:02:05.12
which is, what I'm
always proud to be a part of.
00:02:05.15\00:02:08.39
So from Detroit, Michigan,
00:02:08.42\00:02:10.13
I went to
University of Michigan.
00:02:10.16\00:02:12.29
Worked for Wall
Street for about six years,
00:02:12.33\00:02:14.60
started my own
financial planning company,
00:02:14.63\00:02:17.03
from that I ended up
going to, starting a nonprofit,
00:02:17.07\00:02:21.00
wrote a few books,
I've done some CNN work,
00:02:21.04\00:02:25.17
and contributing and teaching
about financial literacy.
00:02:25.21\00:02:28.54
And along the
way I found out that,
00:02:28.58\00:02:31.28
that the word works
00:02:31.31\00:02:32.85
when it comes to
teaching financial literacy.
00:02:32.88\00:02:35.28
And I had been
exposed to it before,
00:02:35.32\00:02:38.09
I hadn't really thought
about applying the Bible
00:02:38.12\00:02:42.22
to financial literacy before.
00:02:42.26\00:02:43.99
But I read a book
called by Lee Jenkins
00:02:44.03\00:02:48.00
establishing a
financial literacy
00:02:48.03\00:02:49.96
for African-American community
based on biblical principles.
00:02:50.00\00:02:53.44
Never I consider that, I said,
wow, this is something amazing.
00:02:53.47\00:02:57.51
And, but it only makes sense
00:02:57.54\00:02:58.91
because the word actually
can be applied to everything.
00:02:58.94\00:03:03.45
And so, if God is a
God of all alpha and omega,
00:03:03.48\00:03:06.65
then the word is,
00:03:06.68\00:03:08.15
should be applied to everything.
00:03:08.18\00:03:09.92
So, I started to
really do a lot of research
00:03:09.95\00:03:13.25
and since then
everything that I have taught
00:03:13.29\00:03:15.22
in financial literacy
has been based on the Bible
00:03:15.26\00:03:18.73
in every venue so,
00:03:18.76\00:03:20.43
and that's what
the Dollars & Cents
00:03:20.46\00:03:21.80
really is all about, so.
00:03:21.83\00:03:24.27
And what would you
say about Dollars & Cents?
00:03:24.30\00:03:26.50
You know, we at Dare to
Dream, we want to have solutions
00:03:26.53\00:03:32.44
as Ryan said, this is a,
this is a network of solutions.
00:03:32.47\00:03:36.21
And so, what we've done is
to look at what was going on
00:03:36.24\00:03:39.08
in the
African-American community
00:03:39.11\00:03:42.18
and actually across the country,
00:03:42.22\00:03:44.39
across the world there
are issues about money.
00:03:44.42\00:03:47.82
Money is mentioned so
many times in the Bible
00:03:47.86\00:03:50.73
and we can now
take this information,
00:03:50.76\00:03:53.86
these principles and
apply it to everyday life,
00:03:53.90\00:03:57.17
so to me this program
00:03:57.20\00:03:59.03
along with our Take
it to the Bank program
00:03:59.07\00:04:01.20
that we have
with Cordell Thomas,
00:04:01.24\00:04:03.61
we again are
placing these programs
00:04:03.64\00:04:08.11
at the feet of our
viewers and saying, look,
00:04:08.14\00:04:10.35
these programs can
help you in everyday life,
00:04:10.38\00:04:13.95
it's practical Christianity.
00:04:13.98\00:04:15.48
Absolutely.
00:04:15.52\00:04:16.85
They can help
you in everyday life.
00:04:16.89\00:04:18.22
The answers are in the Word,
00:04:18.25\00:04:19.89
and one of the things
I love about this program
00:04:19.92\00:04:21.76
when I'm co-hosting this program
00:04:21.79\00:04:23.79
which is why I'm here
on the set with you today.
00:04:23.83\00:04:25.19
Yes, yes, yes, yes.
00:04:25.23\00:04:29.76
It gives us a real
glimpse of biblical principles
00:04:29.80\00:04:34.17
and the
application to our finances.
00:04:34.20\00:04:37.47
And for me, I mean,
I've learned so much
00:04:37.51\00:04:39.81
from this
program just sitting here
00:04:39.84\00:04:42.78
listening to what
Ryan has been saying,
00:04:42.81\00:04:45.01
I've learned so much
about all these different areas
00:04:45.05\00:04:48.28
financially and how
the Bible is relevant
00:04:48.32\00:04:50.82
because we always talk
about that on Dare to Dream
00:04:50.85\00:04:53.69
that the Bible is relevant,
00:04:53.72\00:04:55.16
and we can't
just compartmentalize
00:04:55.19\00:04:57.46
and put the Bible over
here and life over here.
00:04:57.49\00:05:00.60
No, Jesus wants to be a part
of every facet of our lives.
00:05:00.63\00:05:04.77
And so, this
program to me is just,
00:05:04.80\00:05:07.67
it's such a blessing
and again it's a way for us
00:05:07.70\00:05:11.84
to get into the homes of people,
00:05:11.87\00:05:14.58
get into their hearts,
00:05:14.61\00:05:15.94
turn them to Jesus Christ
00:05:15.98\00:05:17.35
and show them the
Bible is, is the answer,
00:05:17.38\00:05:20.75
it has the answer
to your questions.
00:05:20.78\00:05:23.25
Amen.
00:05:23.28\00:05:24.62
Well, yeah, this is definitely
a very powerful program,
00:05:24.65\00:05:28.12
very action packed with
a wealth of information,
00:05:28.16\00:05:32.03
and finances again is something
00:05:32.06\00:05:34.53
that plagues a
lot of communities,
00:05:34.56\00:05:36.46
plagues a lot of people
00:05:36.50\00:05:39.40
and I see you
have written a book.
00:05:39.43\00:05:44.01
You need to write
one on time management
00:05:44.04\00:05:45.64
because the
stuff that you named,
00:05:45.67\00:05:48.84
CNN and all that
stuff, writing books,
00:05:48.88\00:05:52.05
and traveling and
speaking and all these things,
00:05:52.08\00:05:54.48
you should think about writing
a book on time management.
00:05:54.52\00:05:56.69
Well, possibly I
mean, you see the surface,
00:05:56.72\00:05:59.32
you don't see
this iceberg underneath
00:05:59.35\00:06:01.22
so we all have our flaws.
00:06:01.26\00:06:04.49
We all have our shortcomings
but praise God, I'm still here.
00:06:04.53\00:06:07.36
Amen.
00:06:07.40\00:06:08.73
And you know the Word of God
00:06:08.76\00:06:10.10
calls for us to
be good stewards.
00:06:10.13\00:06:12.37
And that's another great
thing about this program is,
00:06:12.40\00:06:14.97
is you are providing solutions,
00:06:15.00\00:06:17.01
you guys are
providing practical tools.
00:06:17.04\00:06:20.04
And like you said, it
is practical Christianity,
00:06:20.08\00:06:22.84
not only can I read
what is found in the Word
00:06:22.88\00:06:26.98
but I can apply it to my life.
00:06:27.02\00:06:28.48
So I'm not merely
professing Christianity
00:06:28.52\00:06:30.79
but living it
and walking it too.
00:06:30.82\00:06:33.66
What are some of the things
00:06:33.69\00:06:35.02
that our viewers can
expect in terms of some topics
00:06:35.06\00:06:39.49
that are covered?
00:06:39.53\00:06:41.00
Some, a little
breakdown without giving them
00:06:41.03\00:06:44.93
the whole key
to the Wall Street.
00:06:44.97\00:06:47.37
I think, well,
00:06:47.40\00:06:48.74
we have to really
understand is this, right?
00:06:48.77\00:06:50.37
We are in an
economic situation right now
00:06:50.41\00:06:54.71
that a lot of individuals
are leaving check to Tuesday,
00:06:54.74\00:06:58.55
okay?
00:06:58.58\00:06:59.91
And for far too long we
look towards our televisions
00:06:59.95\00:07:04.02
and the focus has been on
what others can do for us,
00:07:04.05\00:07:07.49
okay?
00:07:07.52\00:07:08.86
We're asking of others,
00:07:08.89\00:07:10.23
we're asking of this politician,
00:07:10.26\00:07:11.59
or asking of this corporation,
we're asking of that,
00:07:11.63\00:07:14.26
but far too many times are
we really asking of Christ,
00:07:14.30\00:07:19.47
who gives power to us
to make our own decisions,
00:07:19.50\00:07:22.74
to be empowered, to
move ourselves forward.
00:07:22.77\00:07:24.77
And Christ has given us so much.
00:07:24.81\00:07:27.48
We don't have to
keep asking for this
00:07:27.51\00:07:29.71
and that from everywhere
else, there is one source.
00:07:29.74\00:07:32.18
And if we just continue
to go to that one source,
00:07:32.21\00:07:34.85
everything will start
turning out okay, but we,
00:07:34.88\00:07:37.15
I think and we neglect
that, and when we, I mean,
00:07:37.19\00:07:40.26
just to be candid we've gotten
through a political season now
00:07:40.29\00:07:43.83
where everyone's focus on
this office and that office
00:07:43.86\00:07:47.23
and this and that,
00:07:47.26\00:07:48.60
and we're losing
focus of the true sight,
00:07:48.63\00:07:51.43
isn't it right?
00:07:51.47\00:07:52.80
Christ wants us to
live a life of abundance
00:07:52.83\00:07:55.10
and live abundantly.
00:07:55.14\00:07:56.47
Christ wants us to be
diligent with our finances.
00:07:56.50\00:07:59.31
Christ wants us to be
happy and to be content,
00:07:59.34\00:08:01.88
and to be empowered,
but we're not asking,
00:08:01.91\00:08:05.08
we're not asking
Christ what He wants.
00:08:05.11\00:08:06.95
We're asking the politician
00:08:06.98\00:08:08.32
of what they're wanting from us.
00:08:08.35\00:08:10.32
So it's the wrong person
to be asking when we're asking
00:08:10.35\00:08:13.12
what this politician can do.
00:08:13.15\00:08:14.49
So this show really
is all about getting back
00:08:14.52\00:08:16.29
to the basics of
what we're supposed to do.
00:08:16.32\00:08:18.73
I'm thankful for being
here, for the simple fact
00:08:18.76\00:08:21.60
that I can take the
gloves off on this show
00:08:21.63\00:08:23.80
and I don't have to hide.
00:08:23.83\00:08:25.80
I don't have to try to
00:08:25.83\00:08:27.67
and we shouldn't
do it in any way,
00:08:27.70\00:08:29.84
but, you know, and to be candid
00:08:29.87\00:08:32.37
and maybe this
is a flaw of mine.
00:08:32.41\00:08:34.01
Sometimes you try
to not be so upfront
00:08:34.04\00:08:37.18
about your love for Christ.
00:08:37.21\00:08:38.55
And what you try to,
00:08:38.58\00:08:39.91
well, maybe it's not
politically correct and,
00:08:39.95\00:08:41.78
you know, there is
a war on what we feel
00:08:41.82\00:08:45.65
and how we view things.
00:08:45.69\00:08:47.76
And I get to be real
about how I feel about my love
00:08:47.79\00:08:50.53
and my passion for Christ
and what He's done for me.
00:08:50.56\00:08:53.60
And to really just demonstrate,
00:08:53.63\00:08:55.30
topic such as how do
we empower our families?
00:08:55.33\00:08:58.47
And using...
00:08:58.50\00:09:00.10
how do we budget wisely?
00:09:00.14\00:09:01.67
How do we invest?
00:09:01.70\00:09:03.04
How do we empower ourselves
by getting our credit together?
00:09:03.07\00:09:08.04
How do we make
sure that we can get...
00:09:08.08\00:09:11.41
make sure that I
talked about budgeting before
00:09:11.45\00:09:13.78
but it's so many topics.
00:09:13.82\00:09:15.28
Unemployment.
Unemployment, yes, yes.
00:09:15.32\00:09:16.92
Yeah. Just great topics.
00:09:16.95\00:09:18.92
Yes, so we try to be as
comprehensive as possible.
00:09:18.95\00:09:21.89
And we try to make
it where we had topics
00:09:21.92\00:09:24.69
that are that we can,
that have a deep dive,
00:09:24.73\00:09:27.93
financial predators
was a deep dive topic.
00:09:27.96\00:09:30.40
I really like that.
00:09:30.43\00:09:31.77
Want you to touch on
that a little bit because on,
00:09:31.80\00:09:34.30
on that particular
episode you talked about
00:09:34.34\00:09:36.40
how to avoid the pitfalls
of these financial predators,
00:09:36.44\00:09:40.11
how they're
preying on individuals?
00:09:40.14\00:09:41.48
Well, there are
lot of individuals
00:09:41.51\00:09:43.58
who want us to remain ignorant.
00:09:43.61\00:09:45.91
And there are lot of individuals
00:09:45.95\00:09:47.28
who want us to, to not learn.
00:09:47.32\00:09:49.38
And they have a vested interest
in keeping us in poverty.
00:09:49.42\00:09:53.76
And the bottom line is,
00:09:53.79\00:09:55.12
there's $360 billion
worth of business being garnered
00:09:55.16\00:09:58.93
from check cashing,
payday loans, title loans,
00:09:58.96\00:10:01.83
cash advances rental
realms, rental weave stores,
00:10:01.86\00:10:04.53
we talked about
rental weave stores.
00:10:04.57\00:10:08.77
I cannot but laugh
every time I hear that.
00:10:08.80\00:10:10.91
Wait a minute, wait a
minute, wait a minute.
00:10:10.94\00:10:12.81
I know that
weave is, is huge. Yes.
00:10:12.84\00:10:15.44
That's weave with the V not a D.
00:10:15.48\00:10:17.45
Okay, weave. Weave, it's huge.
00:10:17.48\00:10:21.25
But, but you can rent weave.
00:10:21.28\00:10:24.65
Yeah, you can, you
can, finance weaves,
00:10:24.69\00:10:28.02
and there's an
ability to essentially pay
00:10:28.06\00:10:32.16
for those individuals
who can't afford their weave.
00:10:32.19\00:10:35.13
You can take out a
loan and it's pretty pricey,
00:10:35.16\00:10:37.63
it could be over 200%
interest in terms of that weave.
00:10:37.67\00:10:41.67
And you can pay for
that weave in a, I'm not,
00:10:41.70\00:10:45.84
not going to
anybody having a weave,
00:10:45.87\00:10:47.48
if you have one I know
many individuals who do
00:10:47.51\00:10:50.15
but the thing is that,
if you can't afford it,
00:10:50.18\00:10:52.88
you don't need to buy it.
00:10:52.91\00:10:54.25
You know, this
time we go natural.
00:10:54.28\00:10:56.25
You know, this is time
to be natural, you know.
00:10:56.28\00:10:58.95
And I'm not trying
to tell you what to do,
00:10:58.99\00:11:00.42
what to do but maybe I am, okay?
00:11:00.46\00:11:04.26
But it's just time to
be natural because we,
00:11:04.29\00:11:07.46
we have so many other things.
00:11:07.50\00:11:09.26
And our communities
right now are suffering.
00:11:09.30\00:11:10.97
Yes.
00:11:11.00\00:11:12.33
The pawnshops
right now are filled,
00:11:12.37\00:11:15.14
and are filled, it
all depends on the month.
00:11:15.17\00:11:18.21
People are going to,
00:11:18.24\00:11:19.57
the pawnshop is a new bank
in many of our communities.
00:11:19.61\00:11:21.78
Wow.
00:11:21.81\00:11:23.14
Where they will go
00:11:23.18\00:11:24.51
and they will buy a
fur coat in the fall,
00:11:24.55\00:11:29.18
they'll wear it in the
winter, they pawn it in,
00:11:29.22\00:11:32.32
they pawn it in the
spring and then pay for it
00:11:32.35\00:11:34.62
in the summer just
to do it over again,
00:11:34.66\00:11:36.56
so in a bank they've been
paying for this fur coat over
00:11:36.59\00:11:39.19
and over and
over, and over again.
00:11:39.23\00:11:42.03
So what we have
to do is recognize
00:11:42.06\00:11:44.87
that as long as
those individuals
00:11:44.90\00:11:46.57
who continue to exploit us,
00:11:46.60\00:11:48.60
and long as we don't
live by the principles
00:11:48.64\00:11:51.01
that Christ has laid out for us,
00:11:51.04\00:11:53.21
then we will never get up
from under the foot of those
00:11:53.24\00:11:57.95
who want to
continue to make sure
00:11:57.98\00:11:59.31
that we have a vested interest
00:11:59.35\00:12:00.72
in a perpetual underclass
of society being impoverished.
00:12:00.75\00:12:05.12
And our mission should be
as a community not just my,
00:12:05.15\00:12:09.49
not just, not just,
00:12:09.52\00:12:10.86
our mission as a
community collectively should be
00:12:10.89\00:12:13.53
how do we put these types
of businesses out of business
00:12:13.56\00:12:17.70
using the principles
that Christ has laid out.
00:12:17.73\00:12:20.24
If we do that, well,
they'll start to recognize
00:12:20.27\00:12:22.77
that because not a black thing
00:12:22.80\00:12:24.21
or a brown thing or white thing,
00:12:24.24\00:12:25.61
it's a green thing,
and they're attacking
00:12:25.64\00:12:28.04
our communities based
upon what they perceive
00:12:28.08\00:12:30.48
as low credit communities,
00:12:30.51\00:12:32.68
impoverished communities,
00:12:32.71\00:12:34.22
people who are attracted
to instant gratification
00:12:34.25\00:12:38.02
as opposed to
delay gratification.
00:12:38.05\00:12:39.65
So all these things
the word talks about
00:12:39.69\00:12:41.82
and we outlined on the show
principles that the Bible says,
00:12:41.86\00:12:46.56
don't act hasty, be patient,
00:12:46.59\00:12:49.36
make sure you budget wisely
00:12:49.40\00:12:51.00
and count the cost of your tower
00:12:51.03\00:12:52.53
before you build it.
00:12:52.57\00:12:54.34
How to make sure that we can
love one another and have true,
00:12:54.37\00:12:58.71
true value so that we're
not influenced by marketing
00:12:58.74\00:13:02.94
to make us purchase
something that we can't afford
00:13:02.98\00:13:04.81
in the first place.
00:13:04.85\00:13:06.18
So all of these things
we'll be really getting
00:13:06.21\00:13:07.55
into over a long run.
00:13:07.58\00:13:08.92
You brought out some
excellent tips on the marketing
00:13:08.95\00:13:10.89
and the psychology behind it.
00:13:10.92\00:13:12.39
Yes.
00:13:12.42\00:13:13.76
And I want to touch
on that in just a minute.
00:13:13.79\00:13:16.26
But it's
interesting when you look
00:13:16.29\00:13:17.69
and you see the
different mindset,
00:13:17.73\00:13:19.39
you see how people think
like you see some really,
00:13:19.43\00:13:22.60
really rich wealthy people.
00:13:22.63\00:13:25.23
And they might be
in some beat up jeans,
00:13:25.27\00:13:27.54
beat up shoes and getting
out of an old 80 something,
00:13:27.57\00:13:32.17
Honda Civic or Honda Accord
00:13:32.21\00:13:34.01
or something like
that, something old
00:13:34.04\00:13:35.88
because they're not worried
about showing their wealth.
00:13:35.91\00:13:38.55
Warren Buffett still lives
in the first house he bought.
00:13:38.58\00:13:41.42
Really? Wow.
00:13:41.45\00:13:42.82
The first house he ever bought,
the small house in Omaha,
00:13:42.85\00:13:46.39
still lives in
the exact same house.
00:13:46.42\00:13:48.22
Little small
house, not big at all,
00:13:48.26\00:13:50.56
him and his wife,
00:13:50.59\00:13:52.03
and he can afford
to have a huge house,
00:13:52.06\00:13:55.80
still lives in the same house
because it's not necessary,
00:13:55.83\00:13:58.53
he doesn't need it, he
doesn't let society dictate
00:13:58.57\00:14:01.30
what he should have
based upon his work.
00:14:01.34\00:14:03.74
And I think that's,
00:14:03.77\00:14:05.11
I think that's
living Christ like to me.
00:14:05.14\00:14:06.71
Absolutely.
00:14:06.74\00:14:08.08
That $360
billion dollar price tag,
00:14:08.11\00:14:13.08
that's associated with
the exploitation of the poor.
00:14:13.11\00:14:17.29
People in the inner
city Appalachia, I mean,
00:14:17.32\00:14:20.82
these folks, the
Bible says, you know,
00:14:20.86\00:14:23.32
"My people are destroyed
for lack of knowledge."
00:14:23.36\00:14:25.56
Well, they prey on the ignorance
00:14:25.59\00:14:28.53
and that's what you were talking
00:14:28.56\00:14:29.90
about in the program,
00:14:29.93\00:14:31.27
that these businesses prey
on the ignorance of the people
00:14:31.30\00:14:34.24
that live there, and so,
00:14:34.27\00:14:36.00
if you're never used
to dealing with the bank,
00:14:36.04\00:14:38.87
you're going to
think that I just...
00:14:38.91\00:14:41.28
all I know is going to
the check cashing place.
00:14:41.31\00:14:43.98
What do I do at the bank?
00:14:44.01\00:14:45.35
I don't know, I
don't have an account,
00:14:45.38\00:14:47.25
I don't know what to do,
00:14:47.28\00:14:48.62
but that's why these
programs are so important,
00:14:48.65\00:14:51.55
because we need to, we
need to renew our minds,
00:14:51.59\00:14:57.36
be transformed by the
renewing of our minds.
00:14:57.39\00:15:00.36
And so, this
information is transforming,
00:15:00.40\00:15:04.10
it's really transforming.
00:15:04.13\00:15:05.47
You know, it was, it was rich.
00:15:05.50\00:15:07.14
I mean, and you have
to apply the knowledge
00:15:07.17\00:15:09.64
that you receive too.
00:15:09.67\00:15:11.01
Knowledge without
application is pointless.
00:15:11.04\00:15:13.31
Right. You know,
it's just like...
00:15:13.34\00:15:16.41
Just merely professing
Christianity, you know,
00:15:16.44\00:15:18.68
everything that
the Bible says but let,
00:15:18.71\00:15:21.45
but yet someone lives
their lifestyle contrary
00:15:21.48\00:15:25.35
to what the word says.
00:15:25.39\00:15:26.72
I think knowledge without
application is just vanity.
00:15:26.76\00:15:30.13
I think it's really...
00:15:30.16\00:15:31.59
We both didn't know.
00:15:31.63\00:15:33.23
That's why,
that's why you're my mom.
00:15:33.26\00:15:34.60
Right.
00:15:34.63\00:15:35.96
Just think about it if
you just learned something,
00:15:36.00\00:15:38.13
just for the sake of learning
something without using it
00:15:38.17\00:15:40.74
to empower or to use it
for the benefit of others,
00:15:40.77\00:15:43.87
it just, it's
really just about vanity.
00:15:43.91\00:15:45.97
If you look at and how I learned
00:15:46.01\00:15:47.94
that really exemplified
that from the Civil Rights era.
00:15:47.98\00:15:52.38
We had, you know,
look at Thurgood Marshall,
00:15:52.41\00:15:55.68
one of the most
brilliant attorneys
00:15:55.72\00:15:57.65
on the face of this planet,
00:15:57.69\00:15:59.02
right, and I
knock on wood because...
00:15:59.05\00:16:00.46
Yeah, I know, we
do it again, I know.
00:16:00.49\00:16:02.99
But, one of the most
brilliant attorneys ever, right,
00:16:03.02\00:16:05.46
and but he didn't
just learn about law
00:16:05.49\00:16:08.46
just we can brag
about learning about law.
00:16:08.50\00:16:11.03
He learned about law, so
he can integrate society.
00:16:11.07\00:16:13.23
He learned about law so he can
help pass critical legislation
00:16:13.27\00:16:16.30
and help pass
critical, not legislation
00:16:16.34\00:16:18.97
but judicial decisions
00:16:19.01\00:16:20.88
that will impact
society for the long run.
00:16:20.91\00:16:23.68
And so as we start to
really learn about the word,
00:16:23.71\00:16:27.25
mean that the God
wants us, you know,
00:16:27.28\00:16:29.15
I love what obviously the words
00:16:29.18\00:16:30.59
and fine talk but must
think of action and sincerity.
00:16:30.62\00:16:33.42
Faith without
works is bad being alone.
00:16:33.46\00:16:35.12
So all of these
things that the God wants us
00:16:35.16\00:16:37.49
to take this information
and show it to the world
00:16:37.53\00:16:40.80
into the ends of the
earth and to making sure
00:16:40.83\00:16:42.96
that we are
applying this and using it
00:16:43.00\00:16:46.40
for the greater good of society.
00:16:46.43\00:16:48.07
Absolutely, and it's amazing to
00:16:48.10\00:16:51.11
and you know, this
could be a biased opinion,
00:16:51.14\00:16:53.44
it might not me.
00:16:53.48\00:16:56.34
But it's amazing
to see the information
00:16:56.38\00:16:58.68
that is being
shared on this program.
00:16:58.71\00:17:01.25
I mean, this is
stuff that people keep
00:17:01.28\00:17:03.39
within the community,
within their community
00:17:03.42\00:17:05.55
or that rich
people keep to themselves,
00:17:05.59\00:17:08.92
but it's just been shared
00:17:08.96\00:17:10.36
and you guys are
equipping people with the tools,
00:17:10.39\00:17:15.03
stuff that's invaluable,
invaluable information.
00:17:15.06\00:17:18.10
Praise the Lord.
00:17:18.13\00:17:19.47
What are some more things
00:17:19.50\00:17:20.84
that you have taken
away from this program?
00:17:20.87\00:17:22.30
You know, for me it's...
00:17:22.34\00:17:26.37
I'm not like miss
financially aware.
00:17:26.41\00:17:30.61
You know what I mean,
00:17:30.65\00:17:31.98
like the Lord has
allowed me to have money
00:17:32.01\00:17:34.92
during my lifetime
and I'm grateful for that.
00:17:34.95\00:17:37.99
But if I knew
then what I know now
00:17:38.02\00:17:42.19
and some of the things that
I've learned on this program,
00:17:42.22\00:17:44.83
I really think things
would have been better for me,
00:17:44.86\00:17:48.13
like I, I had a
foreclosure years ago,
00:17:48.16\00:17:51.97
had with the IRS issues I
mean, all these stuff, yeah...
00:17:52.00\00:17:56.07
About that story.
00:17:56.10\00:17:58.41
Not to interrupt you
but I remember being a kid
00:17:58.44\00:18:01.34
when that happened and
I was telling my friends
00:18:01.38\00:18:03.71
like, yeah, we just had a
foreclosure and everything.
00:18:03.75\00:18:06.72
I had no idea
what I was saying...
00:18:06.75\00:18:08.45
You're right. Not a thing.
00:18:08.48\00:18:11.25
People got disappointed.
00:18:11.29\00:18:12.62
I had no idea
what a foreclosure was.
00:18:12.65\00:18:14.62
Yeah, just been foreclosure
looking at all of that stuff.
00:18:14.66\00:18:19.39
Yeah, you should
get a foreclosure,
00:18:19.43\00:18:21.20
you know, I had no idea.
00:18:21.23\00:18:24.13
It's funny because
kids don't really realize
00:18:24.17\00:18:27.04
like the seriousness of it.
00:18:27.07\00:18:29.00
But that was a really hard thing
00:18:29.04\00:18:33.14
and learning more about,
00:18:33.17\00:18:37.41
you know, I see
God's hand in allowing it
00:18:37.45\00:18:40.52
because I've been went to
a place that I could afford,
00:18:40.55\00:18:44.09
you know, that the Lord
not just I want a place,
00:18:44.12\00:18:46.55
He provided a place
that I could afford.
00:18:46.59\00:18:49.92
And I had IRS
issues and all these things
00:18:49.96\00:18:52.76
and I say this,
00:18:52.79\00:18:54.43
not because I have some
need to share my business
00:18:54.46\00:18:58.07
but because people are
going through all of this...
00:18:58.10\00:19:01.60
It's rough times out there.
00:19:01.64\00:19:02.97
It's real and it's hard
00:19:03.00\00:19:04.51
and but people
have to also know,
00:19:04.54\00:19:07.64
that if you are
going through this,
00:19:07.68\00:19:09.68
if you are
dealing with this that,
00:19:09.71\00:19:11.65
God does have a plan
00:19:11.68\00:19:13.01
that He's not going to leave you
00:19:13.05\00:19:14.78
during your wilderness period.
00:19:14.82\00:19:16.75
And He will bring you through,
00:19:16.79\00:19:18.15
so some of the things
that I hear Ryan alluding to,
00:19:18.19\00:19:24.66
it's just, it resonates with me,
00:19:24.69\00:19:26.29
because I went through
00:19:26.33\00:19:27.83
some of those
really hard times myself
00:19:27.86\00:19:30.17
and yet, I am a living testimony
00:19:30.20\00:19:32.93
that God will see you through
00:19:32.97\00:19:34.77
that He will not ever
leave you or forsake you.
00:19:34.80\00:19:37.61
And then He does
have a plan for your life.
00:19:37.64\00:19:39.97
And so, but these tools are,
00:19:40.01\00:19:43.95
and that's what this
is with this program,
00:19:43.98\00:19:46.05
its tools to get you
through these hard times.
00:19:46.08\00:19:51.15
Like for
instance we talked about,
00:19:51.19\00:19:53.39
you know, the
whole McDonald's, right?
00:19:53.42\00:19:56.79
Lot of individuals
who protest McDonald's
00:19:56.83\00:19:59.69
for not paying $15 an hour.
00:19:59.73\00:20:03.00
Is God asking you
to protest all day?
00:20:03.03\00:20:06.30
Or is God asking
you to go get educated,
00:20:06.33\00:20:08.20
so you can demand higher wages.
00:20:08.24\00:20:10.97
I mean, think
about it and it to me...
00:20:11.01\00:20:14.81
We can't help you.
We can't help you, yeah.
00:20:14.84\00:20:16.38
To me, it's just okay,
00:20:19.41\00:20:21.08
I get it if you want to protest
for higher wages that's fine,
00:20:21.12\00:20:24.75
but at the same time you're not.
00:20:24.79\00:20:28.06
The world is asking you
to be angry at something.
00:20:28.09\00:20:31.49
And it's easy to
be angry at something
00:20:31.53\00:20:33.93
as opposed to
00:20:33.96\00:20:35.30
go for an actual tangible
solution towards something.
00:20:35.33\00:20:37.83
It's easy to be
against something
00:20:37.87\00:20:39.50
to than to be for something.
00:20:39.53\00:20:41.60
So this is why is, we...
Christianity just be blunt.
00:20:41.64\00:20:46.14
Christianity is being a tag
00:20:46.17\00:20:48.04
and I believe
purely for the sake that
00:20:48.08\00:20:51.28
Christians believe
in something greater.
00:20:51.31\00:20:54.38
They have confidence
because God gives it to them.
00:20:54.42\00:20:57.35
And so when you have
that confidence, right?
00:20:57.39\00:21:00.29
That confidence
00:21:00.32\00:21:01.66
you know that tomorrow is going
to be a better brighter day,
00:21:01.69\00:21:03.93
so you are not worried about it.
00:21:03.96\00:21:05.43
But the world wants
you to be upset about it.
00:21:05.46\00:21:07.86
The world wants you
to be upset and angry.
00:21:07.90\00:21:10.00
They want you to be venomous
00:21:10.03\00:21:11.63
and they want you to be
have hatred and bitterness
00:21:11.67\00:21:13.90
because and they're
like, wait a minute,
00:21:13.94\00:21:15.87
why are you not
as bitter as I am?
00:21:15.90\00:21:18.17
Why are you not as bitter
00:21:18.21\00:21:19.54
because I can't
get from this person...
00:21:19.57\00:21:21.94
Why are you not
protesting and angry
00:21:21.98\00:21:24.71
and walking and joining these,
00:21:24.75\00:21:27.25
these resistance
movements and all these things,
00:21:27.28\00:21:29.58
we're going to put
all these things together
00:21:29.62\00:21:31.65
because we don't
want to find a job,
00:21:31.69\00:21:33.02
we want to be angry.
00:21:33.05\00:21:34.39
So why are you not doing that
00:21:34.42\00:21:35.92
and you sit
back and you're calm,
00:21:35.96\00:21:37.93
and you're okay because why?
00:21:37.96\00:21:39.93
Because God is giving you
and God got it under control.
00:21:39.96\00:21:42.73
And you follow
on those principles,
00:21:42.76\00:21:44.40
so they must say, we're
going to have to attack them.
00:21:44.43\00:21:46.63
We got to attack
those principles.
00:21:46.67\00:21:48.04
We have to attack Christianity.
00:21:48.07\00:21:49.50
We got to make
it very inconvenient
00:21:49.54\00:21:50.94
for them to practice it.
00:21:50.97\00:21:52.31
We have to make
it where they can't,
00:21:52.34\00:21:54.58
that they'd have
to be angry at me,
00:21:54.61\00:21:56.28
so Christianity
has to be the one.
00:21:56.31\00:21:58.48
So we go and we turn
on shows like Bill Maher,
00:21:58.51\00:22:01.18
and they start saying that
00:22:01.22\00:22:02.55
you must be a
fool for believing,
00:22:02.58\00:22:03.92
you must be an
idiot for believing
00:22:03.95\00:22:05.82
or having faith in
something greater than you
00:22:05.85\00:22:08.49
because you're not,
you're not an atheist
00:22:08.52\00:22:10.29
and you're
believing and they start,
00:22:10.33\00:22:11.93
you know,
chastising, snakes and trees
00:22:11.96\00:22:14.56
and apples and all
those types of things
00:22:14.60\00:22:16.40
and you must be an idiot
for even talking like that,
00:22:16.43\00:22:19.60
and meanwhile they're angry,
00:22:19.63\00:22:22.07
all that men are so angry.
00:22:22.10\00:22:23.54
It's true.
00:22:23.57\00:22:24.91
Why is that, you know.
00:22:24.94\00:22:26.27
And why people who
have faith, who might be,
00:22:26.31\00:22:28.84
you know have faith
would live under a bridge.
00:22:28.88\00:22:30.45
I've met a homeless
person who was happy
00:22:30.48\00:22:32.35
living under the
bridge originally
00:22:32.38\00:22:33.72
because he had faith got
from up under that bridge.
00:22:33.75\00:22:36.65
But when he was living
under a bridge he was happy.
00:22:36.69\00:22:39.22
He got from up under that bridge
00:22:39.25\00:22:40.86
got his own home,
00:22:40.89\00:22:42.26
start to become a successful
and he was still happy.
00:22:42.29\00:22:45.09
And he was in a same
state up under the bridge
00:22:45.13\00:22:47.16
than he was when he was
living in the house, why?
00:22:47.20\00:22:49.16
Because of Christ, right?
00:22:49.20\00:22:51.03
Come on now, come on.
00:22:51.07\00:22:52.57
I love it. I love it.
00:22:52.60\00:22:53.94
Well, this is what
the show is about, right?
00:22:53.97\00:22:56.81
This is what the show
is about and I'm just...
00:22:56.84\00:22:59.37
I like to be in a
place where I can be free,
00:22:59.41\00:23:03.45
take the gloves off
00:23:03.48\00:23:04.81
and just say this is what it is.
00:23:04.85\00:23:06.31
You might not like
it but it's not for you
00:23:06.35\00:23:09.25
this is, this is
what Christ has done,
00:23:09.28\00:23:10.75
I didn't do this,
00:23:10.79\00:23:12.42
this is not, I
didn't, I didn't cause this.
00:23:12.45\00:23:14.02
Yes.
00:23:14.06\00:23:15.39
So y'all might not, you
might disagree or agree with it
00:23:15.42\00:23:18.83
but this is what
Christ has done for me
00:23:18.86\00:23:20.50
and we're gonna talk about it
00:23:20.53\00:23:21.86
and He's not
going anywhere. Yeah.
00:23:21.90\00:23:23.23
You know, I
love, oh, excuse me...
00:23:23.26\00:23:25.07
That's all right.
00:23:25.10\00:23:26.43
I was just going to say
that true joy, true peace,
00:23:26.47\00:23:29.17
everything that's genuine,
00:23:29.20\00:23:30.67
that's genuinely
good comes from Christ.
00:23:30.71\00:23:33.61
You know, the devil
tries to manifest counterfeits,
00:23:33.64\00:23:36.58
that's what he does.
00:23:36.61\00:23:38.38
And he'll make you
think that if you're rich
00:23:38.41\00:23:41.45
or you reach a certain status
00:23:41.48\00:23:43.12
or, you know,
you're going to be happy.
00:23:43.15\00:23:46.25
But you can be as, as rich as,
00:23:46.29\00:23:49.82
I won't even name a name
00:23:49.86\00:23:51.19
but whoever and be miserable,
00:23:51.23\00:23:54.36
you know, you look at
some of these people on TV
00:23:54.40\00:23:56.10
and they're absolutely miserable
00:23:56.13\00:23:58.17
and they're super rich
00:23:58.20\00:24:00.74
because they don't have Christ.
00:24:00.77\00:24:04.41
The thing that
I was going to say
00:24:04.44\00:24:05.87
that you said, that
you so eloquently stated
00:24:05.91\00:24:08.74
and I just really
agree with this is,
00:24:08.78\00:24:12.38
instead of protesting about it,
00:24:12.41\00:24:15.28
take some action
to change your status.
00:24:15.32\00:24:19.15
You can change your status
00:24:19.19\00:24:20.82
not just, not just,
00:24:20.86\00:24:22.46
we're not saying that
people should never protest.
00:24:22.49\00:24:24.66
No, what we're saying
is, take responsibility
00:24:24.69\00:24:28.10
for what you are
doing for where you are.
00:24:28.13\00:24:31.60
It doesn't mean
00:24:31.63\00:24:32.97
that you're discounting
institutionalized issues
00:24:33.00\00:24:37.27
and systemic issues,
00:24:37.31\00:24:38.64
that's not what we're saying.
00:24:38.67\00:24:40.01
We're saying though
that you can be a...
00:24:40.04\00:24:45.61
your decision maker.
00:24:45.65\00:24:47.28
You make the
decision, you make the choice
00:24:47.32\00:24:49.45
and you act on it, act on it.
00:24:49.48\00:24:52.05
Okay, what this show is about
00:24:52.09\00:24:54.66
is having an
expanded conversation, okay?
00:24:54.69\00:24:58.26
This
conversation for far too long
00:24:58.29\00:25:00.30
has been in a narrow lane
00:25:00.33\00:25:03.30
about who put us here,
00:25:03.33\00:25:06.63
who's the reason
that we're impoverished,
00:25:06.67\00:25:08.94
we want to attack
those individuals,
00:25:08.97\00:25:10.64
we must blame these people,
00:25:10.67\00:25:12.51
we must march
against these individuals,
00:25:12.54\00:25:14.74
this is their fault,
00:25:14.78\00:25:16.41
we are the victims
00:25:16.44\00:25:18.18
and we have to do something
00:25:18.21\00:25:20.18
to dedicate all of
our time and lives,
00:25:20.22\00:25:22.08
and dedication and
energy towards fighting them.
00:25:22.12\00:25:24.95
What this program
is saying, okay, fine,
00:25:24.99\00:25:27.72
that's how you want to
live that do your thing,
00:25:27.76\00:25:30.16
keep protesting that's been,
but expand this conversation
00:25:30.19\00:25:34.43
to include Christ,
00:25:34.46\00:25:36.03
expand this
conversation to include Christ.
00:25:36.06\00:25:38.33
Christ which says, "I'm going
to put some action behind it."
00:25:38.37\00:25:40.97
Protest from 9 to 10
00:25:41.00\00:25:46.21
but go to the
community college from 10 to 12
00:25:46.24\00:25:48.88
to get that education.
00:25:48.91\00:25:50.25
Come on. There you go.
00:25:50.28\00:25:51.61
And then from 2 to 4
00:25:51.65\00:25:52.98
maybe you go and you
mentor some child in a school
00:25:53.01\00:25:55.38
because that person needs
to be exposed to something.
00:25:55.42\00:25:57.59
And maybe from 4 to 6
you start your business
00:25:57.62\00:25:59.52
or put your
business plan together,
00:25:59.55\00:26:00.96
there from 6 to 8
00:26:00.99\00:26:02.32
you repent from all the
time you wasted doing nothing.
00:26:02.36\00:26:04.86
But this is,
this is what we have,
00:26:09.06\00:26:10.40
we have to get to the level
of an expanded conversation
00:26:10.43\00:26:12.97
that gets
beyond this whole blame
00:26:13.00\00:26:16.50
to why we can
move ourselves forward.
00:26:16.54\00:26:20.28
Solutions.
00:26:20.31\00:26:21.64
And Christ, there is no
better solution than Christ.
00:26:21.68\00:26:23.41
That's right.
00:26:23.45\00:26:24.78
Who provides us
everything we need,
00:26:24.81\00:26:26.18
so then we take
from that and then we...
00:26:26.21\00:26:28.18
then you find
yourself not protesting.
00:26:28.22\00:26:30.09
I was talking to an individual,
00:26:30.12\00:26:32.82
who said, you know what,
00:26:32.85\00:26:36.02
and he said, and he was,
he was, he was a black guy
00:26:36.06\00:26:38.73
who's living in Detroit
00:26:38.76\00:26:40.30
and he says, "I
don't, I don't have time
00:26:40.33\00:26:42.26
to really protest right now
because I'm running a business.
00:26:42.30\00:26:46.00
Think about that.
00:26:46.03\00:26:48.24
You know, he owned the business.
00:26:48.27\00:26:49.80
Wow.
00:26:49.84\00:26:51.17
And this is what it's about
00:26:51.21\00:26:52.57
and that, and he was a
Christ believer as well.
00:26:52.61\00:26:55.64
Amen.
00:26:55.68\00:26:57.01
I'm so excited for our viewers
to get a hold to this program,
00:26:57.05\00:27:01.65
to watch this program,
00:27:01.68\00:27:03.02
to find out and learn the tools
00:27:03.05\00:27:05.05
that they can apply
to their everyday lives.
00:27:05.09\00:27:07.16
And to take a look in the mirror
00:27:07.19\00:27:09.39
in a God's word
and apply it every day.
00:27:09.42\00:27:12.59
Thank you so much
for being with us.
00:27:12.63\00:27:14.16
Thank you.
00:27:14.20\00:27:15.53
Thank you.
00:27:15.56\00:27:16.90
Thank you, my
brother, I appreciate you.
00:27:16.93\00:27:19.40
Wow, you know for me
the most impressive feature
00:27:19.43\00:27:21.90
of this program
is the application
00:27:21.94\00:27:23.51
of biblical
principles to financial success.
00:27:23.54\00:27:26.74
It really demonstrates
00:27:26.78\00:27:28.11
the relevance of the
Bible to our everyday lives.
00:27:28.14\00:27:31.11
I encourage you
to grab your family,
00:27:31.15\00:27:33.05
a pen and paper and
watch Dollars & Cents.
00:27:33.08\00:27:36.72
And if you miss any of them,
00:27:36.75\00:27:38.09
they can be
purchased from our call center
00:27:38.12\00:27:39.62
during regular business hours
00:27:39.65\00:27:41.36
or watched on
demand on the mySDA TV box.
00:27:41.39\00:27:44.89
Check our Dare to Dream schedule
00:27:44.93\00:27:46.49
for airing dates and times.
00:27:46.53\00:27:49.03
Make sure that you
catch this program.
00:27:49.06\00:27:51.57
If you want to be on
track to financial success,
00:27:51.60\00:27:54.14
you need to watch this.
00:27:54.17\00:27:55.64
Well, we've reached
the end of another program.
00:27:55.67\00:27:58.31
Join us next time and remember,
00:27:58.34\00:27:59.97
just wouldn't be
the same without you.
00:28:00.01\00:28:02.11