WEBVTT

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This is the last message. My goal in this whole thing was to educate and inspire us,

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not to coerce us or guilt us or condemn us into doing something.

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But financial giving and tithing is one of the greatest gifts that God gave to us.

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I know it's why it's so hated and attacked by the demonic side,

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but it's one of the greatest gifts God gave to us.

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Testimony, someone who does not come to the church, they're an online viewer,

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says this, I'll just read it to you.

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I followed your teaching on tithing and I realized that I got hung up on the whole first fruit thing

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and found myself unable to do the tithing at the beginning of the month,

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as that's when my rent comes out.

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So I was all messed up about how I would do my tithing.

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Then God spoke to me and said, you don't have to worry about that.

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Take it out at the second half of your money.

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Don't get all hung up on the first fruits.

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Last month I was able to do my total tithe after the fifteenth of the month

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and it was so wonderful to be able to give joyously with an open and full heart to God.

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God blessed me that month financially in ways that I didn't even realize he would.

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Then she gave an example of how she was blessed and so forth.

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At the end she said this certainly exemplifies what you're talking about

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giving with a joyful heart is one of the most wonderful experiences you can have

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and God honors it.

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So we're going to try to answer, we had a number of questions come in.

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So we're going to try to get through all of them.

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I won't be able to answer as long on some as I would like to

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but we're going to do it anyway.

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When it comes to tithing, I do not have control of this at the moment.

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So let me see if I rearrange some things here it gives me control.

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I don't think there's anything you have to do but if there is, ah, got it.

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These are the three words you need to remember when it comes to tithe.

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Anything that increased you financially we're talking.

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Increased you produced in your life or yielded something.

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This is God's description of tithing.

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And surprise, surprise it covers just about everything.

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Including the interest you pay in your house.

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Well that's not increasing me quit paying it and find out.

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Are you getting any profit from paying the interest

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or any produce or yield from paying the interest on your debts?

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Just stop paying it. We'll find out pretty fast won't we?

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It covers most everything.

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Everything that there's supposed to be a line there.

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Oh there is up here it's not on mine.

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Everything that can be filled in there

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that deals with increased produce or yield from God's perspective

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he wants us tithing on it.

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Here's something I wanted to point out.

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We looked at a video last week on this concern from Andrew Womack.

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He called it honoring God and here's a different perspective.

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I thought this was interesting how that Abraham

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when he had that covenant experience he tithed out of it.

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Here we're looking at Jacob.

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I'm not going to read it all through for sake of time.

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This is where he was fleeing.

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He was going to his uncle's place.

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He was in the desert.

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He had the dream or the vision.

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He saw the ladder ascending to heaven.

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He woke up or in it behold the Lord stood at the top of it said

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I'm the Lord God of Abraham your father and God of Isaac

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and the land of which you lie.

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I will give to you and your descendants

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and your descendants shall be as the dust of the earth.

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So now God is making the covenant that he made with Abraham and Isaac

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he's now reaffirming to Jacob.

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Behold I am with you and will keep you wherever you go

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and will bring you back to this land

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for I will not leave you until I have done what I've spoken to you.

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Then Jacob woke up and he said wow God must be in this place.

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Freaked him out a little bit.

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Then Jacob rose early in the morning

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and took the stone that he put under his head as a pillow

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or set it up as a pillow.

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He used it for a pillow but he set it up as a pillow

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and poured oil on top of it and he called the name of the place Bethel.

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Then verse 20 Jacob made a vow saying if God will be with me

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and keep me in this way because he's exchanging now covenant.

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God just said you know the land I gave to granddad and your dad

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now it's yours and he's establishing this covenant.

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He said if God's going to take care of me

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give me bread to eat clothing to put on

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so that I come back to my father's house in peace.

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Now that was big. Remember he's running here now for his life

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from Esau.

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Then the Lord shall be my God

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and this stone which I have set up as a pillar

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shall be God's house

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and all that you give me

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I will surely give you a tenth

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or give a tenth to you.

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The tithe in Scripture

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shows up as an exchange on the covenant

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we have between us and God.

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So, let's start in on the questions.

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Does God really pay attention to our giving?

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God pays attention to everything.

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The sparrows, the number of hair

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he recounted your head this morning.

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Out of yesterday.

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And if he's interested enough in you to recount the hair in your head

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he knows everything.

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He's paying attention.

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Now God will test your sincerity

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and commitment via your giving.

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This is an abending machine

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where we stick in the tithe and out comes the reward

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and we stick in the tithe and out comes the finances.

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This is an abending machine.

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This is an exchange of covenant.

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And you never know if a covenant, like in a marriage,

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you never know if a covenant is worth the salt it was made out of

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until it's tested.

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That's when you know what a covenant's worth.

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That's when you know who made it was intentional.

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Were they fully committed? Were they honest?

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Or was this just a bunch of words they said

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and it means nothing to them?

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God will test our heart in the covenant.

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Just be ready. He's going to test you on that.

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How's he going to do it?

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He may let you hang a few times.

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You know, you're looking for an answer

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and it's like it's just not coming through

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and this is not working.

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Are you going to stay true to your covenant with him?

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Or is that over now?

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Well, that's always going to work.

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Well, you just flunk the test.

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It's like the first time you have an argument with your wife

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or your husband.

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Well, if that's the way the marriage is going to be, it's over.

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I mean, you just flunk the test.

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Honey, just remember you had one.

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You're going to have a whole lot more

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before this whole marriage thing is done.

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Just get ready for it.

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Well, if we're going to be arguing,

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then I don't want anything to do with this.

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You're flunking the test.

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The test is,

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will you stay in this even though it's uncomfortable?

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The reward comes at the end.

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Not right away.

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So he will test us.

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You say, what's he looking for?

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He's going to ask you to tie...

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Here's an Old Testament principle.

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Ask you to tie that you may learn to fear the Lord your God.

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It's just that simple.

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Do we respect him,

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honor him enough to do what he's asking us to do?

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Period.

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He's also looking to see if he can trust you.

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That verse describes that really well.

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Can he trust you?

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There will be some tests to your commitment on it.

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If this isn't a vending machine,

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or just, you know, we're just going to throw it out there

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and he's going to immediately jump into action

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and just bless our socks off.

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That's American thinking.

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This is Eastern world thinking.

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This is covenant thinking.

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And until a covenant is tested, you don't...

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like even our faith, I mean it falls under the same principle.

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Lest our faith be tested,

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like as by fire it doesn't come out as pure gold.

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It's full of dross.

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You got to put some heat to that baby and let it cook.

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Now it'll come out pure.

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So there will be testing.

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Remember, he's watching.

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The greatest thing he's looking at is our heart,

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our motives, our intentions.

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Do we love him with all our heart?

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Is he our treasure?

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Pass the test.

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Learn to fear the Lord and be trustworthy.

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When you don't fear the Lord,

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then those kind of things happen.

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That kind of stuff comes up.

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If you don't fear the Lord,

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we've made him little in our mind.

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It's not that big a deal.

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What he wants isn't that important.

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So let's touch this a little bit.

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So what is here was,

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I answered the question and then this question came in.

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What does the test look like?

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The test is always choices.

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It's like raising children.

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You don't know if you actually have their obedience

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or they're just submitting to shut you up.

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Until you give them a choice.

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Now the true nature,

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especially if their choice is not

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where mom or dad are watching over their shoulder.

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Their choice is alone.

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Mom and dad may never find out.

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Now you're going to find out what's really in them.

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It's like raising kids.

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We will need to make certain choices

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with how we spend our money

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in order to be able to give the tide.

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That's part of the test.

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You will literally get put in situations

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where he won't take away your needs

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because Matthew 6 talks about he knows our needs.

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Our needs are all supplied.

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But he will let us get into situations

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where we have to make choices about things we like.

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Are we going to tithe?

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Or are we going to keep our subscriptions?

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Are we going to tithe?

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Are we going to tithe?

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Or are we still going to spend on entertainment?

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Are we going to tithe? Or are we going to eat out?

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You might have to give up eating out for a while to tithe.

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You say, what is it? God's testing you.

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He wants to see what choice you're going to make.

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It's like children.

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You don't know what they're really made of

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until you give them some options.

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The kind of vehicles we drive.

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You may not get your dream vehicle.

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You may have to tithe.

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Why would I be blessed if I would tithe?

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You will be. He's testing you.

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The only way he can test us is if he gives us options

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and see what we choose.

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Now he knows what's inside of us.

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The kind of clothes we wear.

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The whatever.

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The test comes through choices

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not our needs but things we like.

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Well, I like to do this.

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And if I tithe, I won't be able to afford it.

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I encourage you, pass the test.

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Because then in the end, you'll be able to tithe and do that.

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But right up front, he's looking at your heart.

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He's looking what's going on inside you.

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And there's numerous... I could give.

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I don't have the time, but I could give numerous stories

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of how Mary and I were put in that situation.

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Numerous stories.

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And any of you who've been faithful to tithing,

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if I'd hand you the mic, you'd have stories too.

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Yeah, there was a...

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Honey, do you remember the time we had to choose

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between shh and tithing?

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It's how it worked. God's testing us.

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You say, why?

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Because we spend on what's important to us.

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We spend on what we love.

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And God's trying to find out, do we love...

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You fill in the blank, more than Him,

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or do we love Him more than it?

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What do we love more?

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There's only one way to find that out.

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Give you the choice.

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And watch you choose.

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Sometimes we have to change what's important to us.

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Because we spend on what's important to us.

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Because where your treasure is,

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that's where your heart will be.

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And if your treasure is in subscriptions

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or getting a new phone every now and then,

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or you've got to take your winter vacation.

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If you start tithing, you want money for that.

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That's your treasure.

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And you know what? Your heart ends up there.

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Well, if your heart's there, guess what?

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It's not with God.

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So He's going to test you.

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You know, it's probably not shouting material,

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but do you want to know what's coming or don't you?

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Another question.

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Do we love Him enough to make

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what He wants important to us?

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That's my question.

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Even when it costs something,

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stretches our faith, challenges our priorities,

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are we willing to give up things to tithe?

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Are you willing to give up things

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to get ahead financially?

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See, Andrew Womack hit it last Sunday.

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Tithing and giving financially

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is a financial investing move.

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And I'll just use his words.

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You're stupid if you don't do it.

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It's a financially investment move.

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Now, it's one side of the coin.

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You've got to watch your spending,

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and we're going to talk about that here a little bit too

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because we had questions come in on it.

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But are you willing to give up things

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to get ahead financially?

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Well, a lot of people aren't.

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A lot of people are so set on,

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I want my certain things that I know

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I could take this and invest it someplace

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and actually get a return on it.

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I'm not going to do that.

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I'm just going to call it an investment.

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And I want it.

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When you get talking about finances with couples,

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I hear all kinds of things.

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Well, Pastor, I just felt it was time

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to invest in some new clothes.

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You don't know what an investment is.

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Well, Pastor, I felt it was time

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that we invest in a new grill

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because our other one was looking kind of nasty

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sitting out on our back porch.

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You don't understand investments,

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which tells me something about you.

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You have never taken the time

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with all the knowledge of the world

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now at your fingertips.

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Far as I know, the library is still open.

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You have never even taken the time

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financially to understand the difference

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between an investment and an expense.

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Investments make you money.

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Expenses cost you money.

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A new grill will never produce a dime for you.

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The only way clothes will produce anything

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is if you need a certain kind of clothes

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to keep your job.

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But just going out and changing your wardrobe

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and calling it an investment?

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No, that's an expense.

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That will never produce a dollar.

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That just drains the account.

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It doesn't put it back in.

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A true investment will repay itself

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and then make you money.

16:53.000 --> 16:54.240
That's an investment.

16:55.480 --> 16:57.780
An expense you pay for

16:57.780 --> 17:00.960
and it never puts a dime back in your pocket.

17:04.560 --> 17:08.300
Tithing, giving is an investment,

17:08.740 --> 17:09.940
not an expense.

17:12.140 --> 17:15.100
Most investments, unless you're just going to the bank

17:15.100 --> 17:16.720
putting your money in a CD or something,

17:16.720 --> 17:18.440
well, then it'll start producing right away.

17:18.960 --> 17:21.000
But if you're going to do something in the business world

17:21.000 --> 17:23.260
or whatever, most investments take three to five years

17:23.260 --> 17:24.780
before they start paying for themselves

17:24.780 --> 17:26.260
and producing any money.

17:28.440 --> 17:30.980
That's statistically the average last time I looked it up.

17:33.780 --> 17:34.920
It just takes some time.

17:35.080 --> 17:35.520
It's an investment.

17:35.760 --> 17:37.240
It takes some time to get rolling,

17:37.400 --> 17:38.200
get the business rolling,

17:38.300 --> 17:39.320
get things coming back.

17:40.460 --> 17:42.020
Tithing and giving is an investment.

17:42.200 --> 17:43.080
This is not an expense.

17:43.920 --> 17:45.220
This is an investment

17:45.220 --> 17:48.800
that brings return in all of life,

17:48.900 --> 17:49.740
not just finances.

17:50.620 --> 17:51.760
But he's going to test us.

17:55.220 --> 17:58.960
So, the question never got on the PowerPoint,

17:59.180 --> 18:00.980
so I'll ask the question that was asked

18:00.980 --> 18:01.700
and then it'll give you the answer.

18:02.260 --> 18:04.180
Does God really need my money?

18:05.060 --> 18:07.100
I thought God owns everything.

18:08.240 --> 18:08.740
Okay.

18:10.080 --> 18:11.920
Well, the answer to that is,

18:12.040 --> 18:13.520
no, he doesn't need your money.

18:14.600 --> 18:17.080
But this is the system he set up

18:21.210 --> 18:23.970
for how he wants to do things on this earth.

18:25.630 --> 18:28.350
If he never had another person

18:29.050 --> 18:30.850
give a dollar to God's work,

18:31.310 --> 18:32.350
God doesn't need your money.

18:34.250 --> 18:35.870
But we all flunk the test.

18:36.910 --> 18:38.210
And if we're that selfish,

18:38.470 --> 18:40.670
we may not make heaven either.

18:42.090 --> 18:44.330
There's reasons he set this up.

18:44.950 --> 18:47.270
You say, well, if he doesn't need my money

18:47.270 --> 18:48.450
then what is the system?

18:49.230 --> 18:51.170
Real quickly, scripturally,

18:51.290 --> 18:51.990
why do we tithe?

18:52.850 --> 18:53.770
This is review.

18:54.390 --> 18:55.470
Return to God what is his

18:55.470 --> 18:57.150
and to fund his kingdom.

19:01.380 --> 19:03.180
He set up the system

19:03.780 --> 19:05.380
like a good businessman.

19:06.660 --> 19:09.440
If a good businessman...

19:09.440 --> 19:10.440
Let's pick somebody.

19:10.440 --> 19:12.820
If Ron was going to set up a second car lot

19:14.860 --> 19:16.980
and he says, I got one in Malacca,

19:17.360 --> 19:19.040
now I want one, I don't know,

19:19.120 --> 19:20.380
wherever, St. Claude, pick a place.

19:20.600 --> 19:22.000
So I'm going to set up another car lot.

19:22.260 --> 19:23.980
He knows for the first while,

19:25.220 --> 19:26.240
might be a few years,

19:26.640 --> 19:29.340
his current car business has to fund that

19:29.340 --> 19:30.100
and get it up.

19:30.860 --> 19:32.060
We got to get cars there,

19:32.200 --> 19:33.000
we got to pay rent,

19:33.080 --> 19:34.260
either we got to buy the place

19:34.260 --> 19:35.660
or we got to pay rent or whatever.

19:35.940 --> 19:37.040
There's expenses here

19:37.040 --> 19:38.620
that the old car business

19:38.620 --> 19:40.860
is going to have to eventually...

19:40.860 --> 19:42.600
I mean, he's going to have to support this

19:42.600 --> 19:44.700
for a while, for a few years.

19:45.220 --> 19:47.780
But eventually, if this is going to be

19:47.780 --> 19:48.820
a valid business,

19:49.860 --> 19:51.940
it should support itself

19:51.940 --> 19:53.740
and quit taking

19:53.740 --> 19:56.040
from my business in Malacca.

19:57.720 --> 19:59.200
And if it never gets there,

19:59.300 --> 20:00.620
if this thing just keeps draining

20:00.620 --> 20:02.520
thousands, tens of thousands

20:02.520 --> 20:04.040
of dollars every year

20:04.040 --> 20:05.360
from my current business,

20:05.540 --> 20:06.640
I might also shut it down

20:06.640 --> 20:08.300
because it's not an investment.

20:08.840 --> 20:09.540
It's an expense.

20:13.400 --> 20:14.520
God's a businessman.

20:16.880 --> 20:18.880
I mean, he's the perfect businessman.

20:20.180 --> 20:21.980
And he wants the church

20:22.800 --> 20:25.380
to learn how to operate in business.

20:28.120 --> 20:29.900
But many times, the church

20:29.900 --> 20:31.860
just thinks like eight-hour employees

20:31.860 --> 20:33.220
who punch their pay clock

20:33.220 --> 20:35.500
and the rest ain't my issue

20:35.500 --> 20:37.840
and that's why we argue with

20:37.840 --> 20:39.840
I don't know if I need to tie or not

20:39.840 --> 20:41.800
because you've never been a business owner.

20:42.920 --> 20:43.940
You're just worried about

20:43.940 --> 20:45.040
putting your hours in,

20:45.280 --> 20:46.080
getting my paycheck,

20:46.260 --> 20:47.920
going home and spending it.

20:49.080 --> 20:50.920
Business owners can look in and go,

20:51.080 --> 20:52.380
oh, I see why God did that.

20:53.840 --> 20:56.780
There's numerous reasons why God did that.

20:57.360 --> 20:58.600
Well, from God's perspective,

20:58.600 --> 20:59.680
it's to test our hearts.

21:01.680 --> 21:03.060
See if we have the love of money

21:03.060 --> 21:04.240
or God, test our hearts.

21:04.360 --> 21:05.160
See if we love God.

21:05.740 --> 21:07.600
If we're desiring to be rich,

21:07.820 --> 21:09.680
it opens an avenue for prosperity.

21:10.240 --> 21:11.600
It proves we're trustworthy

21:12.400 --> 21:14.320
and it also shows God

21:14.320 --> 21:16.360
whether we have the fear of the Lord.

21:18.060 --> 21:19.360
So there's reasons for it

21:19.360 --> 21:20.160
and I could take time,

21:20.200 --> 21:20.940
but I don't have time.

21:21.160 --> 21:21.980
So let's go to the next.

21:22.120 --> 21:23.160
This is a question that comes

21:23.160 --> 21:24.160
from a business person.

21:26.680 --> 21:28.740
So if you're not a business person,

21:28.800 --> 21:30.000
you may not understand this question.

21:31.220 --> 21:32.360
If closed corporation

21:32.360 --> 21:33.700
or if a closed corporation

21:33.700 --> 21:35.800
a closed corporation is an S corp.

21:35.900 --> 21:36.320
It's closed.

21:36.740 --> 21:38.300
It's limited to its partners

21:38.300 --> 21:40.020
or to its owners, its members.

21:40.220 --> 21:41.220
Many times they use that

21:41.220 --> 21:42.260
in a family situation.

21:42.700 --> 21:43.960
It's not a public thing

21:43.960 --> 21:45.200
that anybody from Joe Blow

21:45.200 --> 21:46.160
can get into it.

21:46.780 --> 21:48.080
It's certain people

21:48.080 --> 21:49.440
are in this corporation.

21:50.060 --> 21:53.000
So let's say you and your children

21:53.000 --> 21:54.720
and whatever, you've got a corporation

21:54.720 --> 21:56.360
and you're running a business together.

21:56.960 --> 21:58.400
23 of you, whatever.

22:00.300 --> 22:01.860
If the corporation,

22:01.860 --> 22:03.720
because see all the money

22:03.720 --> 22:05.900
goes into the corporation from the business

22:05.900 --> 22:08.020
and then everybody gets their paycheck

22:08.020 --> 22:09.140
out of the corporation.

22:10.260 --> 22:12.440
That's a corporation's work, okay?

22:13.320 --> 22:15.260
If the corporation pays ties

22:15.260 --> 22:16.580
on the gross income,

22:18.040 --> 22:20.220
do the recipients still pay ties

22:20.220 --> 22:21.420
on the income they receive

22:21.420 --> 22:22.260
from the corporation?

22:25.540 --> 22:26.140
No.

22:27.680 --> 22:29.340
Not if it's a Christian corporation

22:29.340 --> 22:30.400
and you're all in agreement

22:30.400 --> 22:32.380
as a family, you've already tithed.

22:32.380 --> 22:34.140
If the corporation received,

22:34.380 --> 22:35.600
make numbers easy,

22:36.080 --> 22:37.740
if the corporation received $100

22:37.740 --> 22:38.700
for the year

22:40.380 --> 22:43.120
and Joe Blow's family got five

22:43.120 --> 22:45.060
and Joe's brother got five

22:45.060 --> 22:47.080
and the sister got five

22:47.080 --> 22:49.060
and mom and dad got five

22:51.260 --> 22:54.100
and the $100 already

22:54.100 --> 22:56.280
had been tithed on.

22:57.740 --> 22:59.420
The money to them

22:59.420 --> 23:01.080
does not get tithed on

23:01.080 --> 23:02.640
or you're paying a second tithe.

23:02.780 --> 23:03.860
You can do that if you want.

23:04.400 --> 23:06.660
But the tithe's already been paid

23:06.660 --> 23:07.700
by the corporation.

23:08.960 --> 23:11.340
Now if the corporation is looking

23:11.340 --> 23:14.140
at the $5 each child gets

23:14.140 --> 23:16.020
as an expense

23:17.760 --> 23:19.280
because we don't want to give

23:19.280 --> 23:20.120
God too much money.

23:21.740 --> 23:25.160
So let's expense everything out we can

23:25.160 --> 23:27.260
and then with what's left

23:28.440 --> 23:30.260
maybe the corporation will tithe

23:30.260 --> 23:30.880
on the net.

23:32.240 --> 23:34.780
But if we don't tithe

23:34.780 --> 23:36.760
we expense everything down

23:36.760 --> 23:39.040
well now that $100 has never been

23:39.040 --> 23:40.320
tithed on so the portion you

23:40.320 --> 23:41.640
receive you need to tithe on that.

23:43.920 --> 23:45.120
Does that make any sense?

23:47.220 --> 23:48.340
So then the question was flipped

23:48.340 --> 23:51.160
if a closed corporation

23:51.160 --> 23:53.280
pays ties on the net

23:54.400 --> 23:56.220
do the recipient still pay

23:56.220 --> 23:57.640
ties on the income they receive

23:57.640 --> 23:58.480
from the corporation?

24:00.600 --> 24:02.700
Are you personally getting

24:02.700 --> 24:04.180
your income out of the net

24:04.180 --> 24:05.980
or were you an expense?

24:07.600 --> 24:09.700
Most corporations who at whatever

24:09.700 --> 24:11.540
gets paid out that's an expense.

24:12.700 --> 24:14.220
They do that for tax purposes

24:14.220 --> 24:15.960
they do it for numbers of reasons.

24:16.860 --> 24:18.960
If you got paid

24:18.960 --> 24:21.480
as an expense to the corporation

24:21.480 --> 24:24.160
yeah you need to pay your tithe

24:24.160 --> 24:25.980
because it hasn't been paid yet.

24:28.000 --> 24:30.000
Did everybody who needs to follow that?

24:31.160 --> 24:32.920
I don't want to dwell on it any longer

24:32.920 --> 24:35.140
than I have to. So in other words

24:35.140 --> 24:36.560
let's say it this way

24:37.040 --> 24:39.320
some place the tithe needs to be paid

24:39.320 --> 24:40.820
if the corporation pays it for you

24:40.820 --> 24:41.780
great you don't have to

24:41.780 --> 24:43.440
if the corporation doesn't pay it for you

24:43.440 --> 24:44.240
it's your obligation.

24:45.960 --> 24:47.640
Simple way of saying the same thing.

24:49.120 --> 24:51.020
How can having a tight financially

24:51.020 --> 24:52.980
actually help us? Like Paul said

24:52.980 --> 24:55.360
I know how to abound I know how to be a base

24:55.360 --> 24:57.500
and I've learned to be content in both situations

24:57.500 --> 24:58.840
so he's inferring

24:59.540 --> 25:01.560
that not having enough to get by

25:01.560 --> 25:04.860
can actually be good for us sometimes.

25:05.940 --> 25:07.340
Well how can it help us?

25:08.240 --> 25:10.040
Well it teaches us faith.

25:12.260 --> 25:13.360
You ever hear the saying

25:13.360 --> 25:14.740
born with a silver spoon in your mouth?

25:17.770 --> 25:19.850
People who have been what we call

25:19.850 --> 25:21.390
born with a silver spoon in their mouth

25:21.390 --> 25:23.310
they've never really had to watch their

25:23.310 --> 25:24.570
pennies or their dollars

25:25.270 --> 25:26.410
everything's handed to them

25:26.410 --> 25:27.290
life was always good

25:27.290 --> 25:28.470
life was always easy

25:28.990 --> 25:31.510
those people tend to be disasters as adults

25:34.510 --> 25:36.970
because they don't know the basics of how life works

25:38.030 --> 25:39.550
they think you just go to mom and dad

25:39.550 --> 25:40.190
and they give it to you

25:40.970 --> 25:43.070
well at some point that probably will quit

25:43.070 --> 25:44.770
unless mom and dad are exceedingly wealthy

25:45.230 --> 25:46.950
and if mom and dad are exceedingly wealthy

25:46.950 --> 25:48.810
they probably didn't do that system

25:49.810 --> 25:51.330
do you know who does that system?

25:51.330 --> 25:53.450
the baby boomers who have

25:53.450 --> 25:54.790
more than they need

25:55.210 --> 25:56.130
but they're not rich

25:57.690 --> 25:59.190
they just handed out to their

25:59.190 --> 26:01.310
they did, handed out to their kids

26:01.310 --> 26:04.290
and their kids are 35 years old

26:04.290 --> 26:06.630
sitting in the basement watching video games

26:06.630 --> 26:08.530
because mom and dad pay for their whole living

26:11.300 --> 26:13.220
well you don't understand little Johnny

26:13.220 --> 26:14.180
he has PTSD

26:14.180 --> 26:16.620
well I probably would have too after living with you

26:19.960 --> 26:22.120
you got to make him grow up at some point

26:24.580 --> 26:25.700
you got to learn faith

26:26.980 --> 26:28.940
not having enough money also helps us

26:28.940 --> 26:30.680
find out what's really important to us

26:32.240 --> 26:33.520
we can't pay for everything

26:33.520 --> 26:34.860
well now we got to pick and choose

26:37.340 --> 26:38.860
once you have to pick and choose

26:38.860 --> 26:40.240
now the priorities

26:41.360 --> 26:42.240
become obvious

26:44.700 --> 26:46.320
and not having enough

26:46.320 --> 26:46.600
you got to grow up at some point

26:46.600 --> 26:48.580
Helps us find where we're wasting money.

26:50.420 --> 26:54.740
Americans waste huge amounts of resources.

26:55.620 --> 26:57.560
Huge amounts of resources.

26:58.760 --> 27:01.480
I know a family who never keeps leftovers.

27:02.640 --> 27:06.240
They make the meal, whatever is left over, in the garbage.

27:06.920 --> 27:09.100
We don't do leftovers in our house.

27:10.860 --> 27:12.380
Huge amount of waste.

27:13.020 --> 27:14.340
Huge amount of waste.

27:15.140 --> 27:18.340
I know a person who refuses to wear...

27:19.320 --> 27:23.140
Well, it's wear, clothes, it's...

27:25.640 --> 27:27.340
Probably shouldn't say too much of it.

27:31.720 --> 27:34.560
The only thing they keep for a second use

27:34.560 --> 27:38.920
is something that is hard, like a spoon or a shovel

27:38.920 --> 27:43.500
or anything that is soft, made out of cloth.

27:43.500 --> 27:46.440
I'll say it that way. They use it once and it's gone.

27:49.200 --> 27:52.300
I won't wear a shirt twice. What about washing it? Won't do it.

27:52.920 --> 27:54.480
I won't use a towel twice.

27:55.880 --> 27:58.400
Why? Yeah, it's just nasty.

28:00.080 --> 28:01.100
I just throw it.

28:03.200 --> 28:06.220
If I would have the money, you're throwing away

28:06.840 --> 28:08.420
and I would invest that.

28:09.840 --> 28:11.140
I'd be a millionaire by now.

28:14.530 --> 28:18.950
What you need is a good dose of being abased.

28:19.750 --> 28:20.930
That's what you need.

28:22.130 --> 28:26.240
And you'll find out that clothes can actually be washed and reused.

28:27.730 --> 28:28.110
Ooh.

28:30.250 --> 28:31.550
There's a concept.

28:33.730 --> 28:36.670
You say, are there people actually? You see it all.

28:38.810 --> 28:41.850
So, yes, having it tight sometimes

28:41.850 --> 28:44.750
actually would make us better

28:47.510 --> 28:53.410
because we just don't realize how much we're just wasting, throwing to the wind.

28:55.670 --> 28:59.210
Do we tithe when selling land or houses our home?

29:01.350 --> 29:03.210
Well, I don't know, it depends upon how you look at it.

29:04.710 --> 29:08.630
Did your home increase? Did the value increase?

29:13.870 --> 29:15.870
Did your home produce anything for you financially?

29:17.030 --> 29:18.630
Did the home yield anything?

29:20.310 --> 29:21.210
Well, what it yielded...

29:23.190 --> 29:27.070
and I'm going to explain this, so don't fall off your chair now and go,

29:27.130 --> 29:27.770
ah, that's stupid.

29:28.350 --> 29:30.150
What it yielded, you need to tithe on.

29:30.970 --> 29:33.430
Okay, so now let me explain this

29:33.430 --> 29:35.170
because somebody's going to come back with this.

29:35.650 --> 29:37.470
Some of you are sharp enough to catch this.

29:38.170 --> 29:42.470
You say, but if I paid on my tithe on my income,

29:43.870 --> 29:46.470
I used my income to buy my home,

29:48.370 --> 29:50.690
isn't my home already tithed on?

29:51.410 --> 29:52.130
It can be.

29:54.110 --> 29:54.870
It can be.

29:55.670 --> 29:58.170
So you, with business minds, follow me through on this.

29:58.810 --> 30:00.910
If you bought a home for $100,000,

30:01.410 --> 30:02.810
you put it on a 30-year mortgage,

30:03.230 --> 30:05.750
you paid it all the way through at X% interest,

30:05.750 --> 30:09.750
at the end, your house probably cost you 200,

30:09.890 --> 30:13.150
let's just say $250,000, just for a number.

30:14.250 --> 30:14.310
Okay?

30:16.550 --> 30:19.570
You sell it for $250,000.

30:20.450 --> 30:21.970
You actually made nothing

30:25.590 --> 30:28.250
because you bought it for 100,

30:28.670 --> 30:32.590
you paid the principal and the interest

30:33.190 --> 30:36.790
and got back what you put in.

30:37.750 --> 30:38.850
Does that make any sense?

30:39.910 --> 30:41.990
But if you buy the home for $100,000,

30:42.370 --> 30:44.290
you keep it for 30 years, you pay it off,

30:44.450 --> 30:47.050
and you put in $250,000,

30:47.050 --> 30:49.810
but now you sell it for $623,000.

30:52.050 --> 30:55.290
Between $250,000 and $623,000, you never tithe done.

30:57.110 --> 30:58.410
And it is profit.

30:59.970 --> 31:01.370
If you don't believe that,

31:01.370 --> 31:03.350
just give the difference to me.

31:07.110 --> 31:09.670
I'll be glad to call it produce,

31:10.130 --> 31:14.150
or profit, or increase, or those three words.

31:14.250 --> 31:15.710
I'll be glad to call it one of those

31:15.710 --> 31:19.650
and grab $373,000.

31:21.210 --> 31:23.130
Oh, I wouldn't give it away, we need that.

31:23.310 --> 31:25.510
Then it is actually increasing you, isn't it?

31:30.190 --> 31:32.210
Is it possible for the church

31:32.210 --> 31:34.530
to get more money through rich people tithing

31:34.530 --> 31:35.350
than it can use?

31:40.970 --> 31:41.890
That's a question.

31:42.950 --> 31:45.510
It is, depending upon the church.

31:46.830 --> 31:48.770
I would be glad to try it, though.

31:52.210 --> 31:54.810
There's a lot of places, we could pay off TBO,

31:55.510 --> 31:57.470
we could pay off Chief Cornerstone Church,

31:58.010 --> 32:01.450
we could give Pastor Josh a living salary,

32:02.430 --> 32:04.470
and then that's besides missionaries

32:04.470 --> 32:07.490
and all kinds of other opportunities that come up.

32:07.810 --> 32:10.950
I would be glad to try finding a way

32:10.950 --> 32:12.630
to spend $1,000,000 a year

32:12.630 --> 32:14.330
and make it profitable for the kingdom.

32:16.830 --> 32:20.150
Now, if you're in a church talking to online

32:20.150 --> 32:21.370
because you're not in that church,

32:21.450 --> 32:22.850
but if you're on a church that

32:24.050 --> 32:25.850
it just keeps piling up

32:25.850 --> 32:27.810
and they're the kind of thinking that

32:27.810 --> 32:29.790
if they can get five, ten million in the bank,

32:30.030 --> 32:32.390
oh, we're really doing good as a church.

32:32.690 --> 32:34.270
You're failing as a church.

32:35.410 --> 32:39.130
A church is not designed to be a lake

32:39.130 --> 32:42.830
that stores things up and nothing ever goes out.

32:43.810 --> 32:46.290
Christians are not designed to be a lake.

32:46.650 --> 32:48.910
That stores things up and nothing goes out.

32:49.010 --> 32:50.850
You begin to smell after a while.

32:51.890 --> 32:52.750
It's stinky.

32:54.870 --> 32:57.110
Churches, believers, everything is made

32:57.110 --> 32:58.230
of the same principle.

32:59.350 --> 33:03.590
In and out what we have received, we give.

33:05.130 --> 33:06.690
So yeah, is it possible?

33:06.950 --> 33:08.470
Yes, but never will happen here.

33:09.630 --> 33:10.310
Just saying.

33:10.610 --> 33:11.090
So try me.

33:11.490 --> 33:13.090
I'd be glad to give that a shot.

33:13.910 --> 33:15.230
And I'll tell you what we spent.

33:15.450 --> 33:16.670
It's in the finance report.

33:16.810 --> 33:17.730
You'll see what we spent it on.

33:20.850 --> 33:21.170
Interesting.

33:22.230 --> 33:24.710
Do ministers receive unlimited incomes?

33:25.570 --> 33:27.030
In other words, the bigger the offering,

33:27.170 --> 33:28.730
the larger the minister's income.

33:29.490 --> 33:34.380
How much time do I have for this one?

33:37.300 --> 33:38.420
Yes and no.

33:40.520 --> 33:43.300
When Mary and I, the board decided

33:43.300 --> 33:44.860
a salary for us.

33:45.500 --> 33:48.360
And when the money did not come in

33:48.360 --> 33:51.540
to cover the, let's call it $100 a week.

33:51.540 --> 33:53.560
The board decided we get $100 a week.

33:54.100 --> 33:55.980
Not enough money came in to pay the expenses

33:55.980 --> 33:58.200
and give us our $100, so we got $75.

33:59.100 --> 34:01.420
Yes, if the offering would go up,

34:01.540 --> 34:03.280
we'd pick up this extra $25.

34:04.180 --> 34:05.540
Because the money would be there.

34:07.140 --> 34:10.420
But if we're already getting our $100 a week

34:10.420 --> 34:12.640
and $5 million comes in,

34:12.960 --> 34:14.740
the board already set the salary.

34:15.680 --> 34:19.000
It won't go up over $100 because $5 million showed up.

34:20.620 --> 34:21.820
So it's yes or no.

34:22.520 --> 34:23.300
It's, you know,

34:25.200 --> 34:27.160
it's sometimes people view a church

34:27.160 --> 34:28.440
like a sole proprietorship.

34:29.780 --> 34:31.020
You know, you've got a business

34:31.020 --> 34:32.200
and you're in charge of it.

34:32.480 --> 34:33.760
So if you can get more customers,

34:34.020 --> 34:35.340
more income, then you make more.

34:36.100 --> 34:37.260
That's true for businesses,

34:37.300 --> 34:38.500
but it's not true for churches.

34:41.260 --> 34:42.020
It's a 501c3.

34:42.840 --> 34:43.680
It operates differently.

34:45.300 --> 34:47.260
Now, let me address real quickly

34:47.260 --> 34:48.300
the real question there.

34:49.260 --> 34:51.920
How can I know if pastor is making too much money?

34:56.240 --> 34:57.460
There's the real question.

34:58.940 --> 35:00.400
Because see, if I start given

35:00.400 --> 35:02.060
and these are given and there's a given,

35:02.800 --> 35:04.540
man, he must just be raking it.

35:06.680 --> 35:09.060
So let me give you a real life example.

35:10.120 --> 35:13.560
And I forgot to ask pastor Eager's permission on this,

35:13.640 --> 35:14.720
but by the time I'm done,

35:14.800 --> 35:15.980
I think it'll all make sense.

35:15.980 --> 35:22.040
Number one, what is it worth to you

35:22.040 --> 35:26.560
to have a pastor who you can trust, rely on?

35:26.680 --> 35:28.740
He's going to be there and he's in it

35:28.740 --> 35:31.640
for trying to help God's kingdom move forward.

35:31.780 --> 35:32.920
What's that worth to you?

35:33.240 --> 35:37.160
Is that worth enough, more, less,

35:37.960 --> 35:39.320
than the manager at Walmart?

35:40.860 --> 35:42.400
Because see, what I do,

35:42.580 --> 35:43.760
what pastor Eager does,

35:43.760 --> 35:45.700
will affect hundreds of people.

35:47.920 --> 35:50.400
The guy at Walmart can cheat on his wife,

35:50.640 --> 35:53.000
remarry in two weeks and nobody knows.

35:54.560 --> 35:55.640
It affects nobody.

35:57.560 --> 35:58.560
See the difference?

36:00.340 --> 36:02.100
However, let me just say this.

36:04.180 --> 36:06.600
When pastor Igor and Tanya came on board,

36:06.860 --> 36:09.780
they made a huge financial sacrifice.

36:12.720 --> 36:14.540
So I'm going to let a cat out of a bag.

36:14.640 --> 36:15.240
I hope it's okay.

36:15.740 --> 36:18.420
You can growl at me later if it's not.

36:20.780 --> 36:22.920
He started his own business when he was 20.

36:23.080 --> 36:25.480
He ran it up until what, you were 33, 32?

36:26.660 --> 36:27.660
32 when you quit.

36:29.720 --> 36:31.420
So we share important information

36:31.420 --> 36:33.880
of which I will not share all of it with you,

36:33.920 --> 36:34.940
but I will say this.

36:36.160 --> 36:38.080
From age 22 to 32,

36:38.080 --> 36:43.100
he made more every year in his business

36:43.100 --> 36:46.160
than I have ever made in my lifetime

36:46.160 --> 36:47.980
in a single year being a pastor.

36:52.780 --> 36:54.380
So now you got to digest that.

36:56.760 --> 36:59.260
Am I giving the pastor too much money?

37:00.440 --> 37:01.680
He's probably getting rich.

37:03.220 --> 37:07.080
A 22-year-old starting his own business

37:08.220 --> 37:11.700
made more for 10 years in a row

37:13.020 --> 37:15.640
than someone who's been in the ministry

37:15.640 --> 37:18.560
47 years July 1st this coming summer,

37:18.720 --> 37:21.100
ever made in one year.

37:24.210 --> 37:26.130
Does that answer your question?

37:28.930 --> 37:31.350
Well, maybe pastor's getting paid too much.

37:31.770 --> 37:33.070
Does that answer your question?

37:34.530 --> 37:36.090
Now I'll tell you this.

37:37.390 --> 37:41.830
He's not making near what he made

37:41.830 --> 37:45.650
in those 10 years working in this church.

37:49.760 --> 37:52.060
That's how you know if someone's called.

37:55.400 --> 37:58.340
That's how you know if their heart

37:58.340 --> 37:59.460
is in it for the kingdom.

38:01.960 --> 38:06.460
To take a cut in salary of half or more

38:07.980 --> 38:10.200
and say, yep, God's in this. I'm in.

38:13.160 --> 38:14.120
That has to be God.

38:14.540 --> 38:15.500
They have to be called.

38:18.910 --> 38:20.870
You know, when I put out feelers out there

38:20.870 --> 38:22.210
to find out if anybody's interested

38:22.210 --> 38:23.370
in being an assistant pastor

38:23.370 --> 38:25.130
and the first question I get is, what do you pay?

38:26.690 --> 38:27.970
I don't even answer that.

38:28.810 --> 38:29.810
You're the wrong person.

38:33.690 --> 38:35.050
All right, moving on.

38:36.930 --> 38:38.190
I'm trying to go as fast as I can.

38:39.890 --> 38:41.970
This one is going to take a little bit of time.

38:42.290 --> 38:44.150
How do you get ahead on a limited income?

38:45.630 --> 38:50.830
Well, now you know that I don't get millions of dollars

38:50.830 --> 38:51.890
like some of you thought.

38:53.570 --> 38:55.310
You say, well, how do you afford what you're living in?

38:55.430 --> 38:56.270
I'm about to show you.

38:57.090 --> 38:58.110
How did that happen?

38:58.750 --> 39:01.510
First of all, we were tithers.

39:02.030 --> 39:06.570
And in Colorado, we bought our house for $139,000.

39:06.570 --> 39:07.950
We needed a lot of fixing.

39:08.230 --> 39:09.790
We needed the basement built out.

39:10.130 --> 39:13.990
We put about $100,000 into it, so now we're at $239,

39:14.150 --> 39:15.850
and we sold it for $370.

39:17.030 --> 39:18.690
And we tithed on the increase.

39:22.240 --> 39:24.780
See, so there is increase in a house.

39:27.020 --> 39:28.860
That's how we got the down payment, okay?

39:28.960 --> 39:29.780
So now you know something.

39:29.940 --> 39:31.600
It may be none of your business, but now you know it.

39:32.840 --> 39:34.740
How do you get ahead in a very limited income?

39:34.880 --> 39:36.620
There are the sources I have used.

39:36.620 --> 39:38.900
I've used a few besides what I listed there,

39:39.240 --> 39:41.980
but they're the ones that I have used over the years

39:41.980 --> 39:43.760
to change my perspective on income.

39:44.020 --> 39:46.240
Number one, if you're on a limited income

39:46.240 --> 39:48.240
and you're still in working ability,

39:48.380 --> 39:49.960
you need to unlimited your income.

39:53.350 --> 39:54.990
Take the top off of it.

39:55.090 --> 39:56.390
Well, I only make X amount.

39:56.510 --> 39:57.810
Well, you need to start believing God

39:57.810 --> 39:59.370
for ways to make more than that.

40:00.390 --> 40:01.390
You need to tithe.

40:02.930 --> 40:04.470
If your marriage has issues,

40:04.590 --> 40:07.010
you need to fix your marriage to unlimited your income.

40:08.090 --> 40:11.070
Because 1 Peter 3.7 says that a husband and wife

40:11.070 --> 40:13.770
inherit from God together.

40:15.490 --> 40:17.110
If you've got a bad marriage,

40:18.270 --> 40:20.330
well, I just can't seem to get my income up.

40:20.870 --> 40:21.450
Fix your marriage.

40:25.070 --> 40:27.410
And you always have to look for new opportunities

40:27.410 --> 40:28.390
that God will bring.

40:30.330 --> 40:32.050
He taught me this and...

40:32.770 --> 40:34.150
okay, I can either quit here

40:34.150 --> 40:35.370
and you can just look at the PowerPoint

40:35.370 --> 40:36.350
and forget the rest,

40:36.370 --> 40:38.490
or I can go on for another little while

40:38.490 --> 40:39.970
and you get the full load.

40:40.390 --> 40:41.090
You want to quit?

40:41.710 --> 40:41.830
No.

40:42.410 --> 40:43.270
Want the full load?

40:43.770 --> 40:44.210
No.

40:44.810 --> 40:46.690
The rest of you, if you don't know,

40:46.890 --> 40:49.570
you can just go quietly.

40:53.070 --> 40:55.090
There's always going to be risk involved.

40:55.470 --> 40:58.750
Matthew 25 really lays that out well.

40:59.610 --> 41:01.090
You've got the king who went away

41:01.090 --> 41:03.510
and he gave each person a certain amount of money.

41:03.930 --> 41:05.910
King James calls it that he gave him talents.

41:06.050 --> 41:06.970
Well, he didn't give him talents.

41:06.970 --> 41:08.890
He gave him talent was the word for money.

41:08.970 --> 41:10.430
He gave him a certain amount of money

41:10.930 --> 41:12.270
according to their ability

41:12.270 --> 41:14.730
and then he said, go ahead and deal with this.

41:16.490 --> 41:18.610
The guy who was afraid of risk,

41:18.910 --> 41:20.430
he didn't even trust the bank.

41:21.510 --> 41:24.290
The guy who was so afraid of risk just buried it.

41:25.050 --> 41:26.890
He said, well, at least I'll have the principal

41:26.890 --> 41:27.970
when the king comes back

41:27.970 --> 41:29.230
and he handed the principal back

41:29.790 --> 41:30.930
and the king said,

41:32.670 --> 41:35.150
no, that's not how this system works.

41:35.150 --> 41:36.810
And he was very upset with them.

41:37.130 --> 41:38.030
That's God to us.

41:38.150 --> 41:40.350
That was the picture there that was being laid out.

41:40.650 --> 41:44.170
There's always risk involved in new opportunities.

41:45.830 --> 41:48.550
That is why you have to pay attention

41:48.550 --> 41:51.410
to the opportunities very closely.

41:52.630 --> 41:55.550
Know what you're investing in.

41:56.910 --> 42:00.610
Study it every direction you can up, down and sideways.

42:01.730 --> 42:03.510
Don't just listen to your cousin

42:03.510 --> 42:04.710
or your friend who comes and says,

42:04.710 --> 42:05.610
I got this new investment.

42:05.610 --> 42:06.410
It's going to be awesome.

42:06.610 --> 42:07.670
Oh, I want in.

42:08.650 --> 42:10.770
You might be just flushing your money.

42:12.450 --> 42:15.130
But realize if you're a person

42:15.130 --> 42:17.750
who is adverse to taking risk,

42:19.030 --> 42:22.230
you have to get over that in here

42:23.630 --> 42:25.570
or it's going to hinder you

42:25.570 --> 42:28.550
from taking the opportunities that God offers to you.

42:29.690 --> 42:31.510
He will offer you opportunities.

42:32.250 --> 42:35.950
If you're a tither, God will bring you so many opportunities

42:35.950 --> 42:38.210
to increase your income,

42:38.610 --> 42:40.550
but everyone is tied to,

42:41.570 --> 42:42.650
but we could lose this.

42:43.470 --> 42:44.050
Yeah, you could.

42:45.550 --> 42:48.370
Well, this is going to take $25,000 to get involved in.

42:48.450 --> 42:49.930
We could lose that $25,000.

42:50.270 --> 42:51.130
Well, that's called risk.

42:51.450 --> 42:51.550
Yep.

42:54.920 --> 42:56.580
But you're not going to be the person

42:56.580 --> 42:59.720
who doubles the money like in Matthew 25

43:00.280 --> 43:01.820
if you don't take that risk.

43:03.460 --> 43:05.760
So there's always opportunities.

43:06.200 --> 43:07.160
There's always risk.

43:09.160 --> 43:10.580
What is God saying?

43:11.420 --> 43:14.520
What are the stats, the statistics,

43:14.780 --> 43:17.180
the information on the risk you're about to take?

43:18.520 --> 43:21.340
And if you're going to go in business for yourself,

43:22.900 --> 43:26.320
realize that God will bless your socks off,

43:28.340 --> 43:30.000
but you're going to work harder

43:30.000 --> 43:31.480
than you ever have in your life.

43:32.900 --> 43:35.380
The more God blesses you, the harder you work.

43:36.180 --> 43:37.340
You say, I'll just hire people.

43:37.480 --> 43:38.680
It doesn't work that way.

43:40.180 --> 43:42.360
There is a crossover point

43:42.920 --> 43:44.940
where you've got more than you need,

43:45.040 --> 43:47.780
but not enough for that next person's life.

43:48.400 --> 43:49.740
You can't hire anybody yet.

43:52.060 --> 43:54.860
And then there's always the issue of

43:55.480 --> 43:57.920
who do I hire that will take care of this

43:57.920 --> 43:59.180
like I take care of it.

43:59.300 --> 44:01.420
Nobody takes care of their stuff like the business owner.

44:06.010 --> 44:06.810
We went...

44:06.810 --> 44:08.490
I don't think you were with us.

44:08.570 --> 44:09.770
I think it was just Mary and I.

44:10.530 --> 44:12.050
Or you might have been with us that time.

44:12.470 --> 44:14.150
We went to a Perkins in Bemidji.

44:14.470 --> 44:16.090
Service went late, this, that and the other.

44:16.430 --> 44:18.190
Perkins closes at 11, it was.

44:18.790 --> 44:22.890
And we got there at 10.05 or 10.10, something like that.

44:23.390 --> 44:26.170
We got plenty of time to grab a bite to eat before it's over.

44:27.310 --> 44:30.270
The person from the back comes out and says,

44:31.630 --> 44:35.110
oh, we've run out of certain items, so we're closing.

44:38.170 --> 44:40.030
Yeah, and they were supposed to be open until 11,

44:40.070 --> 44:41.030
it was shortly after 10.

44:42.730 --> 44:46.070
I looked at Mary, I said, that's not the owner.

44:49.410 --> 44:52.570
That's the shoddy employee who will get their paycheck

44:52.570 --> 44:54.610
whether anybody buys food or not.

44:54.610 --> 44:59.670
If the owner was standing there, he just said,

45:00.090 --> 45:01.970
you know what, we ran out of a few things,

45:02.330 --> 45:03.930
but we'll work around it.

45:04.490 --> 45:05.610
Come on in, sit down.

45:05.750 --> 45:07.270
We got something for you to eat.

45:09.570 --> 45:11.910
Because the owner wants to make a profit.

45:13.270 --> 45:16.630
The employee wants to get out of there as soon as they can

45:16.630 --> 45:18.410
and make their 20 bucks an hour.

45:19.710 --> 45:21.130
Total different mindset.

45:22.270 --> 45:24.290
If you're going to go in business for yourself,

45:24.290 --> 45:25.790
you're going to work your tail off.

45:27.350 --> 45:28.870
Well, I thought God's going to bless me.

45:28.970 --> 45:30.450
That's why you're going to work your tail off.

45:33.860 --> 45:37.120
Here's the saying, to have what the average person does not have,

45:37.800 --> 45:41.420
we need to be willing to do what the average person isn't willing to do.

45:43.260 --> 45:44.340
Well, I want to be rich.

45:44.420 --> 45:47.160
Are you willing to do everything that a rich person does to get rich?

45:48.200 --> 45:50.300
Or do you have a fantasy that says,

45:50.840 --> 45:53.260
well, for me to make $100,000 a year,

45:53.260 --> 45:54.820
if I just get in the right business,

45:55.160 --> 45:57.940
I don't have to do much more and it'll just come in.

45:59.640 --> 46:01.600
You just let me know what business that is.

46:01.700 --> 46:02.460
I want in on that.

46:04.060 --> 46:05.280
It don't work that way.

46:06.920 --> 46:09.220
Well, I'm not sure I'm willing to work that hard.

46:09.380 --> 46:11.680
Well, then don't gripe if you don't have what they have.

46:13.040 --> 46:16.580
They got a really good salary and they work for it.

46:18.480 --> 46:20.220
Well, I'm not sure I'm willing to work for it.

46:20.220 --> 46:20.800
Well, then shut up.

46:23.400 --> 46:24.100
What's your point?

46:25.840 --> 46:26.540
Are you a socialist?

46:27.680 --> 46:30.780
You think they should give you their salary while you sit home, do nothing?

46:33.990 --> 46:35.590
That went too deep for you, didn't it?

46:38.690 --> 46:41.510
What have you learned over the years and how to get ahead financially?

46:41.650 --> 46:42.790
That was asked to me personally.

46:44.650 --> 46:46.490
Number one, seek God's kingdom first.

46:48.370 --> 46:53.410
By that, one of the specific applications is what does God want you spending your money on?

46:57.450 --> 47:00.290
If you're seeking Him first, let Him have first input.

47:01.210 --> 47:03.130
What does He want you spending your money on?

47:04.190 --> 47:07.490
Don't short-turn the covenant or you'll force the covenant to short you.

47:08.410 --> 47:10.330
Don't short the covenant or it'll short you.

47:10.510 --> 47:15.230
Stay in faith, obey tithes, learn how to be content when you're a base,

47:15.230 --> 47:17.670
not grinding and griping all the time.

47:19.330 --> 47:21.310
Never give up, keep going.

47:23.130 --> 47:27.690
Stop blaming attacks of the devil for your financial problems.

47:29.190 --> 47:32.950
Remember, this comes under what have you learned over the years

47:32.950 --> 47:34.910
on how to get ahead financially?

47:35.930 --> 47:39.790
Stop blaming the devil for your bad habits.

47:43.700 --> 47:46.800
Let me sit with you for one hour and look at your finances

47:46.800 --> 47:48.780
and we'll see if it's the devil's fault or yours.

47:53.710 --> 47:58.070
If you can show me where, well, $20,000 was in the bank account

47:58.070 --> 48:00.630
and it just evaporated, it was stolen.

48:02.090 --> 48:03.450
Well, it might be the devil's fault.

48:05.570 --> 48:09.590
But if you say, well, you know, we took this trip and we got excited

48:09.590 --> 48:12.570
and we spent some money on some excursions, we probably shouldn't have.

48:13.210 --> 48:15.290
That's your fault you don't have that 20 grand.

48:15.810 --> 48:16.670
Don't blame the devil.

48:19.470 --> 48:23.570
Make good business decisions whether you have an official business or not.

48:23.690 --> 48:28.410
If you can't run your home like a business, you're never going to get ahead in your home.

48:29.930 --> 48:32.370
You say, well, how do business decisions get made?

48:34.010 --> 48:35.670
Maybe you should study that.

48:40.260 --> 48:42.860
Maybe you should actually get some skin in the game

48:42.860 --> 48:45.040
and do some research

48:47.060 --> 48:49.560
on how a business mind works

48:49.560 --> 48:52.920
and how they prioritize and what they do.

48:53.180 --> 48:54.480
Make good business decisions.

48:55.160 --> 48:56.820
That's how you get ahead financially.

48:58.780 --> 49:00.300
It's not all the devil's fault.

49:02.220 --> 49:05.260
Financial advice coming from me, work hard and work smart.

49:05.440 --> 49:07.240
If you're going to put eight hours in a day,

49:07.380 --> 49:09.660
make them the most profitable eight hours you can.

49:11.660 --> 49:12.800
I'll say it this way.

49:14.720 --> 49:17.020
You can go to...

49:17.020 --> 49:18.120
You say, I don't have a job.

49:18.420 --> 49:20.880
My career, that area, they're not hiring.

49:21.600 --> 49:23.340
So we're just sitting at home and we're starving.

49:23.720 --> 49:25.560
Well, that's wonderful business sense.

49:27.240 --> 49:29.900
Go to Walmart and get a $20 on our job.

49:30.800 --> 49:32.180
Well, I wouldn't work for 20.

49:32.300 --> 49:33.680
Well, how much are you making now every hour?

49:36.180 --> 49:37.140
You're making zippo.

49:37.800 --> 49:39.380
You know what I just heard talk to me?

49:39.380 --> 49:40.360
You're pride.

49:41.720 --> 49:45.240
You're too proud to get a Walmart job and make $20 an hour.

49:46.320 --> 49:47.580
I'm worth way more.

49:47.740 --> 49:49.880
Well, then you wouldn't be sitting home doing nothing, would you?

49:50.540 --> 49:51.720
Nobody hiring you.

49:52.400 --> 49:53.340
Let's get real.

49:53.840 --> 49:55.540
You got a blocker to prosperity.

49:55.820 --> 49:56.620
It's called pride.

49:59.060 --> 50:01.780
But you can go to Walmart, make $20 an hour,

50:02.060 --> 50:03.920
barely get by, but you're getting by.

50:04.580 --> 50:08.520
Or you can go in business selling lemonade at a lemonade stand.

50:11.260 --> 50:17.020
God can prosper that lemonade stand for the four or five months a year in Minnesota.

50:17.240 --> 50:17.720
We can do that.

50:18.460 --> 50:21.380
And he can just bless that lemonade stand,

50:21.620 --> 50:26.060
but I'd be willing to bet the farm on you won't make as much as you would

50:26.060 --> 50:28.660
for $20 an hour at Walmart working year-round.

50:31.820 --> 50:36.520
If you're going to work hard, work smart,

50:38.320 --> 50:47.360
realize a lemonade stand is not a business worthy of supporting a family.

50:49.840 --> 50:53.940
The only way that lemonade stand will become worthy of that

50:53.940 --> 50:59.000
is if you work your tail off, go to every fair, every county gathering,

50:59.240 --> 51:03.040
every whatever, have a unique blend of something people love

51:03.040 --> 51:05.600
and work your way up to the state fair.

51:05.600 --> 51:09.720
Now you can make a living off of a lemonade stand,

51:10.780 --> 51:14.420
but you're going to work hard to get there.

51:16.560 --> 51:18.440
If you're just going to sit on your street corner,

51:19.400 --> 51:20.140
yeah, you're going down.

51:21.780 --> 51:23.220
Don't come to church to ask for money.

51:23.820 --> 51:25.160
Well, I am trying to sell lemonade.

51:25.580 --> 51:26.160
Well, that's great.

51:26.840 --> 51:28.400
That'll never support your life.

51:28.940 --> 51:31.960
So we're just giving bad money after good.

51:33.940 --> 51:36.000
Work hard and work smart.

51:36.700 --> 51:37.660
Seek the kingdom first.

51:38.060 --> 51:39.020
Do the 10, 10, 80.

51:39.220 --> 51:43.540
Some say 15, 10, 75, depending upon who you read.

51:44.020 --> 51:45.140
10, 10, 80 is this.

51:45.780 --> 51:48.840
First 10% of your income goes to God.

51:48.980 --> 51:49.400
It's as tied.

51:49.660 --> 51:51.980
Second 10% of your income goes into savings.

51:52.820 --> 51:53.920
You live off the 80.

51:55.320 --> 51:57.420
Some say first 10 goes to God.

51:58.060 --> 52:01.180
The 15 next in line goes into savings

52:01.180 --> 52:03.300
or investments or something in that realm.

52:03.940 --> 52:05.760
Investments is not something you can lose

52:05.760 --> 52:07.180
with that 15, by the way.

52:08.500 --> 52:09.800
It's IRAs, CDs.

52:12.440 --> 52:14.200
It's not a new shoe shine machine

52:14.200 --> 52:15.680
that you're going to go to a mall with.

52:20.680 --> 52:23.100
Put it someplace where it's not easily loosable

52:23.100 --> 52:25.140
and then work on the 75.

52:28.810 --> 52:30.110
Follow that principle.

52:31.230 --> 52:35.870
We could never live off of 80% of what we make.

52:38.470 --> 52:40.690
Let me go back to the one.

52:41.550 --> 52:43.130
You need to unlimit your income.

52:47.470 --> 52:48.570
You've got to get your income up.

52:49.950 --> 52:51.950
God is not afraid to be asked that question.

52:52.110 --> 52:53.330
God, how do I get my income up?

52:54.170 --> 52:55.430
He'll answer that question.

52:57.470 --> 53:00.510
But you've got to be willing to work hard

53:02.370 --> 53:03.570
seek the kingdom first

53:03.570 --> 53:05.950
and then the 10-10-80, the last one,

53:06.010 --> 53:07.270
do the research on everything.

53:08.730 --> 53:10.730
No impulsive, compulsive,

53:11.350 --> 53:13.690
we bought it on sale for $1,000

53:13.690 --> 53:15.470
and we saved $500.

53:16.870 --> 53:18.890
Oh, show me the $500 you saved.

53:20.530 --> 53:21.950
Well, we don't really have it.

53:22.010 --> 53:23.950
I mean, we would have had to pay $1,500,

53:24.190 --> 53:26.230
but we got it for $1,000, so we saved $5,000.

53:26.270 --> 53:27.490
Did you have to pay $1,000?

53:28.570 --> 53:29.890
Why did you buy this?

53:30.690 --> 53:32.290
Well, it just seemed like such a good deal.

53:33.610 --> 53:35.310
Yeah, you're a financial shipwreck.

53:37.550 --> 53:38.950
Impulsive, compulsive buying.

53:39.970 --> 53:42.210
You research everything.

53:43.350 --> 53:45.230
That helps slow you down.

53:45.730 --> 53:46.850
That's a really good deal.

53:47.150 --> 53:48.430
Yeah, and if you buy it today,

53:48.710 --> 53:50.310
if you wait until tomorrow, you won't get it,

53:50.370 --> 53:51.410
but if you buy it today,

53:51.470 --> 53:53.690
that's turn around and walk outwards right there.

53:55.350 --> 53:56.930
That's somebody playing in your emotions

53:56.930 --> 53:59.610
to get you to spend money you shouldn't be spending.

54:00.590 --> 54:01.930
If it's a good deal today,

54:02.110 --> 54:03.970
it'll be a good deal tomorrow or next week.

54:04.010 --> 54:05.990
If it's not there tomorrow or next week, I don't want it.

54:06.610 --> 54:09.150
It helps shut down impulsive and compulsive buying.

54:09.990 --> 54:11.230
Honey, we got to buy it now.

54:11.370 --> 54:13.190
It's going off sale in three hours.

54:14.130 --> 54:14.950
Let her go.

54:19.750 --> 54:20.910
Just answering the question.

54:21.090 --> 54:21.750
How do you get ahead?

54:24.110 --> 54:25.170
Watch your spending.

54:25.170 --> 54:26.590
Guard against these three.

54:27.170 --> 54:28.350
These are big in America.

54:30.830 --> 54:33.830
Lust of the eyes, lust of the flesh, pride of life.

54:34.630 --> 54:38.290
Did you really have to spend $5 in that donut at the mall

54:38.290 --> 54:40.850
when you're wondering how you're going to pay your utility bill?

54:42.090 --> 54:44.670
Oh, but it looked so good.

54:45.330 --> 54:46.910
Yeah, that's called lust of the eyes.

54:51.390 --> 54:52.490
We'll just move on.

54:53.290 --> 54:55.170
I don't hear any gay men coming out.

54:56.710 --> 54:59.810
Lose the mentality of rewarding or treating yourself.

55:01.290 --> 55:02.930
I worked really hard this week.

55:03.050 --> 55:04.770
I'm going to reward myself. Don't do that.

55:05.110 --> 55:06.330
You're not going to get ahead that way.

55:07.230 --> 55:09.450
Learn new skills that will give you knowledge

55:10.310 --> 55:11.570
on how to save money.

55:13.670 --> 55:15.150
Learn how to...

55:15.150 --> 55:16.570
Notice this is a lot of learning stuff.

55:16.750 --> 55:19.510
Learn how to build things, repair things.

55:19.770 --> 55:20.990
Learn how to do electrical.

55:21.690 --> 55:23.330
Learn how to unplug your toilet.

55:23.330 --> 55:25.630
Learn how to change your own oil.

55:26.030 --> 55:28.510
Learn how to maintain your own vehicle.

55:29.050 --> 55:31.690
If you're trying to get ahead financially,

55:32.690 --> 55:36.590
don't come from the direction of the pride of life

55:36.590 --> 55:38.570
or the lust of the flesh that says,

55:39.130 --> 55:41.290
I don't want to do these things.

55:41.370 --> 55:42.710
I'll just hire them.

55:43.190 --> 55:48.110
Learn how to do these things and save yourself lots of money.

55:48.330 --> 55:51.170
And you can actually do things you wouldn't be able to do

55:51.170 --> 55:52.150
if you didn't do them yourself.

55:52.690 --> 55:54.030
You wouldn't be able to afford it.

55:55.110 --> 55:56.390
Learn how to do it yourself.

55:57.530 --> 55:58.090
You say,

55:58.670 --> 55:59.730
I'm already busy.

56:00.510 --> 56:01.030
Work harder.

56:06.480 --> 56:08.280
Prosperity is spelled W-O-R-K.

56:09.220 --> 56:10.740
In case you didn't know that.

56:12.080 --> 56:12.860
Work harder.

56:13.560 --> 56:14.540
Well, I don't know.

56:15.180 --> 56:16.340
I don't know if I want to.

56:16.500 --> 56:17.280
Well, then quit griping.

56:20.520 --> 56:21.740
Lose the bad habits.

56:23.020 --> 56:23.420
Smoking.

56:24.580 --> 56:25.740
I put coffee in there,

56:25.740 --> 56:27.020
but I thought you'll get upset with me,

56:27.060 --> 56:28.180
so I put expensive drinks.

56:34.400 --> 56:35.300
Staying in fashion,

56:35.620 --> 56:36.500
staying in style.

56:37.620 --> 56:38.740
You know, the older you get,

56:38.900 --> 56:41.340
the more vain staying in style becomes.

56:45.420 --> 56:46.640
The only reason,

56:46.840 --> 56:48.460
like I got these new pants

56:48.460 --> 56:50.500
that don't have the big, at the bottom,

56:50.660 --> 56:51.980
that was used to be in style,

56:52.160 --> 56:53.020
big legs at the bottom.

56:53.700 --> 56:54.320
And Mary said,

56:54.460 --> 56:55.520
people are watching you.

56:55.520 --> 56:57.920
You need to get new pants that look more up-to-date.

56:58.660 --> 56:59.380
And it's like,

56:59.600 --> 57:01.940
that is the only reason I will get them.

57:02.940 --> 57:04.080
If I weren't up here,

57:04.360 --> 57:05.540
I wouldn't be wearing these.

57:07.040 --> 57:07.940
You say, why?

57:09.080 --> 57:10.300
Why do I want to go out

57:10.300 --> 57:13.240
and spend 30, 40 bucks on something

57:13.240 --> 57:14.940
I could give a rip about?

57:20.040 --> 57:21.120
Notice a man said,

57:21.120 --> 57:22.280
hey man, not any women.

57:27.410 --> 57:29.630
If you haven't figured it out yet,

57:29.870 --> 57:30.710
staying in style

57:31.870 --> 57:33.470
wastes a lot of money.

57:34.010 --> 57:35.290
It is a marketing game,

57:35.450 --> 57:36.750
because what's in style now,

57:37.110 --> 57:39.170
two, three years from now, won't be.

57:40.350 --> 57:42.430
Oh, that must just be a coincidence.

57:42.830 --> 57:44.030
No, that's on purpose.

57:45.510 --> 57:46.630
That's on purpose.

57:46.870 --> 57:48.590
So everybody who's caught in this

57:48.590 --> 57:51.450
just keeps spending and spending and spending.

57:54.170 --> 57:55.290
We had a little bump.

57:55.450 --> 57:57.210
I think I've got the statistics on this right.

57:57.330 --> 57:58.670
I heard it on the news this last week.

57:58.790 --> 58:00.370
We have a little bump in gas price.

58:01.630 --> 58:03.730
This isn't anywhere where this could go.

58:04.870 --> 58:06.850
But we have a little bump in gas price.

58:08.750 --> 58:10.930
Within the last month or two,

58:12.230 --> 58:14.810
it's between 15 and 18 percent

58:15.410 --> 58:17.270
of credit card holders

58:17.270 --> 58:20.250
are now delinquent.

58:23.240 --> 58:24.880
Because gas price went up,

58:25.000 --> 58:26.940
they can no longer pay their credit cards.

58:30.360 --> 58:31.860
For the average person,

58:31.980 --> 58:33.140
what's on credit cards?

58:41.090 --> 58:43.550
You know, you wouldn't have the credit card bill

58:45.310 --> 58:47.390
if the pants didn't mean so much.

58:51.990 --> 58:54.050
That might be true for a young person,

58:54.290 --> 58:56.310
but I have... Mary comes into the closet,

58:56.430 --> 58:57.190
she looks at him and says,

58:57.190 --> 58:58.410
you got to get rid of some of your pants.

58:58.570 --> 58:59.450
There's stuff here you never wear.

59:00.130 --> 59:03.110
I said, yep, so I don't have the problem

59:03.110 --> 59:04.090
if I wouldn't have pants.

59:05.410 --> 59:06.230
I'd have pants.

59:08.810 --> 59:10.750
I just might have the younger generation

59:10.750 --> 59:12.310
looking at me like, eww.

59:15.050 --> 59:16.190
What is his problem?

59:17.230 --> 59:18.790
They wore those pants 20 years ago.

59:18.910 --> 59:19.670
Yeah, and they're still good.

59:21.290 --> 59:22.030
What's the point?

59:22.770 --> 59:24.230
Well, they're not up to style.

59:25.370 --> 59:26.470
Well, I'll tell you what,

59:26.650 --> 59:28.250
I'll give you 20, 30 years

59:28.250 --> 59:30.110
to figure out what's really important in life

59:30.570 --> 59:32.010
and you wouldn't say that anymore.

59:33.730 --> 59:34.990
And all the old people go,

59:35.130 --> 59:35.550
mm-hmm.

59:37.470 --> 59:39.030
And the younger ones are like,

59:40.230 --> 59:41.530
they're just a bunch of dinosaurs.

59:41.710 --> 59:42.290
They don't get it.

59:45.330 --> 59:47.030
When I say we had no money,

59:47.530 --> 59:48.530
I'm talking cash.

59:49.810 --> 59:51.150
I'm going to let you in on a secret.

59:51.250 --> 59:52.650
It was worth you staying late for this.

59:52.650 --> 59:53.450
How much do I got left?

59:53.610 --> 59:54.290
I got some left here.

59:55.430 --> 59:57.450
But the stories is what makes it good.

59:59.430 --> 01:00:00.430
Does it say it there?

01:00:00.590 --> 01:00:00.750
Yes.

01:00:01.750 --> 01:00:04.410
We had a million dollars available on credit cards.

01:00:05.850 --> 01:00:06.430
A million.

01:00:06.710 --> 01:00:07.490
This was back in Colorado.

01:00:08.870 --> 01:00:10.890
My credit score started dropping.

01:00:11.850 --> 01:00:12.310
And I'm going,

01:00:12.650 --> 01:00:13.550
I make my payments.

01:00:14.550 --> 01:00:15.650
At that point,

01:00:15.750 --> 01:00:16.970
there was not much on them anymore.

01:00:17.950 --> 01:00:19.690
Why is my credit score dropping?

01:00:20.650 --> 01:00:22.990
So I called the credit company.

01:00:24.510 --> 01:00:25.730
And I had no idea.

01:00:26.030 --> 01:00:27.130
I'll tell you how I got there,

01:00:27.170 --> 01:00:28.050
but I had no idea.

01:00:28.670 --> 01:00:29.790
So they looked, they said,

01:00:30.930 --> 01:00:32.110
well, you got too much credit.

01:00:33.390 --> 01:00:34.670
What do you mean too much credit?

01:00:34.790 --> 01:00:35.990
I thought you were supposed to have credit

01:00:35.990 --> 01:00:36.970
to have a good credit score.

01:00:37.750 --> 01:00:39.390
They said, have you paid attention to how much

01:00:39.390 --> 01:00:41.310
you could actually go, because back then

01:00:41.310 --> 01:00:43.930
they didn't have limits on how much you could take cash advance.

01:00:44.210 --> 01:00:45.330
Whatever your card was worth,

01:00:45.410 --> 01:00:46.170
you could take the whole thing.

01:00:46.170 --> 01:00:47.990
They said, do you realize

01:00:47.990 --> 01:00:49.150
you could go to the bank and withdraw

01:00:49.150 --> 01:00:50.330
over a million dollars today?

01:00:50.870 --> 01:00:51.950
And I'm going, I could.

01:00:54.310 --> 01:00:56.190
I said, no, I didn't realize that.

01:00:56.870 --> 01:00:58.490
They said, you need to close some accounts.

01:00:59.430 --> 01:01:00.470
There's people getting nervous.

01:01:03.980 --> 01:01:05.220
You say, well, how did you get

01:01:05.220 --> 01:01:06.900
over a million dollars for the credit cards?

01:01:08.780 --> 01:01:09.780
When we redid

01:01:09.780 --> 01:01:10.880
the church in Colorado,

01:01:11.420 --> 01:01:12.180
we had no money,

01:01:12.360 --> 01:01:14.180
and nobody else, if they had money,

01:01:14.260 --> 01:01:14.920
they were hiding it.

01:01:15.440 --> 01:01:17.260
They didn't want to

01:01:17.720 --> 01:01:18.740
admit they had any.

01:01:20.600 --> 01:01:21.600
So there was only,

01:01:21.760 --> 01:01:22.920
we had to remodel

01:01:23.520 --> 01:01:24.680
the building to get into it.

01:01:24.740 --> 01:01:26.240
We had to outgrow on the first one.

01:01:26.500 --> 01:01:27.640
We had to get there.

01:01:28.480 --> 01:01:29.840
There was only one way to do it.

01:01:32.600 --> 01:01:33.760
I had, we had

01:01:33.760 --> 01:01:35.340
no credit available

01:01:35.340 --> 01:01:36.460
at a bank or anything.

01:01:36.920 --> 01:01:39.060
So I did something that I absolutely

01:01:39.060 --> 01:01:40.700
100% don't do.

01:01:40.940 --> 01:01:43.260
I say, don't do. I'm telling you, don't do this.

01:01:44.600 --> 01:01:46.020
But I prayed about it

01:01:46.020 --> 01:01:47.920
and I felt good about it, and we came out the other end

01:01:47.920 --> 01:01:48.500
and we were fine.

01:01:49.540 --> 01:01:50.860
But do not do this.

01:01:54.120 --> 01:01:55.600
Back then, this was

01:01:56.460 --> 01:01:58.700
early 90s, early to mid 90s.

01:01:58.900 --> 01:02:00.000
The big thing was

01:02:00.540 --> 01:02:02.080
open a credit card account

01:02:02.080 --> 01:02:04.420
and you'll get one, two, three,

01:02:04.520 --> 01:02:06.280
some even four years, no interest.

01:02:08.420 --> 01:02:09.640
And my credit was great.

01:02:10.140 --> 01:02:12.440
So you got all kinds of offers.

01:02:14.120 --> 01:02:14.720
So

01:02:14.720 --> 01:02:16.200
we'd open the account

01:02:17.040 --> 01:02:19.040
use the account to buy everything

01:02:19.040 --> 01:02:20.000
we needed to

01:02:20.000 --> 01:02:21.560
do the church.

01:02:22.380 --> 01:02:23.980
No interest for

01:02:23.980 --> 01:02:25.060
three years.

01:02:25.620 --> 01:02:27.180
Pay it back slowly.

01:02:27.760 --> 01:02:29.340
Never paid a dime in interest.

01:02:29.580 --> 01:02:32.240
However, some of them we didn't get paid back in time.

01:02:32.380 --> 01:02:34.340
So we would just take a new

01:02:34.340 --> 01:02:36.460
offer and transfer it

01:02:36.460 --> 01:02:38.180
there for no interest

01:02:38.180 --> 01:02:39.980
for another three years.

01:02:40.820 --> 01:02:42.000
Never paid a dime

01:02:42.000 --> 01:02:42.980
of interest on

01:02:43.680 --> 01:02:45.780
tens of thousands of dollars we spent

01:02:45.780 --> 01:02:46.520
on remodeling.

01:02:48.700 --> 01:02:49.840
But over the course

01:02:49.840 --> 01:02:51.680
of a few years, I had a million dollars

01:02:51.680 --> 01:02:52.420
for the credit cards.

01:02:57.560 --> 01:02:59.440
So when I say we had no money

01:03:00.600 --> 01:03:01.480
if I would have been

01:03:01.480 --> 01:03:03.080
a crooked person, I could have been a millionaire.

01:03:03.900 --> 01:03:04.160
Right there.

01:03:05.340 --> 01:03:07.580
Cash the babies in, skip the country.

01:03:07.580 --> 01:03:07.980
Yeah.

01:03:12.020 --> 01:03:13.840
And apparently some of the card companies

01:03:13.840 --> 01:03:15.420
were getting nervous I was going to do that.

01:03:16.580 --> 01:03:17.540
So my credit

01:03:17.540 --> 01:03:19.220
was dropping so I had to close accounts.

01:03:24.810 --> 01:03:25.610
That falls

01:03:25.610 --> 01:03:27.450
under lose the bad habits.

01:03:30.290 --> 01:03:32.050
I had special clearance from God

01:03:32.050 --> 01:03:33.770
to do it other than that I would call that

01:03:33.770 --> 01:03:34.390
a bad habit.

01:03:35.290 --> 01:03:37.430
Because you're going to get yourself in a hole, you can't get out.

01:03:38.510 --> 01:03:39.310
That's normal.

01:03:40.770 --> 01:03:41.350
Thank God.

01:03:43.130 --> 01:03:43.850
Didn't happen.

01:03:44.690 --> 01:03:46.270
Employment, get the best job you can.

01:03:46.410 --> 01:03:47.870
You're putting in the time anyway, you might

01:03:47.870 --> 01:03:48.870
also get paid for it.

01:03:49.230 --> 01:03:51.330
Self-employed, watch for the opportunities God

01:03:51.330 --> 01:03:51.850
brings.

01:03:53.090 --> 01:03:55.070
God will bring the opportunities. It's us

01:03:55.070 --> 01:03:57.050
who has to take advantage

01:03:57.050 --> 01:03:57.950
of the opportunity.

01:03:59.130 --> 01:04:01.310
Financial advancement always requires

01:04:01.310 --> 01:04:02.750
face and risk.

01:04:04.270 --> 01:04:05.230
Always involves

01:04:05.230 --> 01:04:06.410
more work.

01:04:09.590 --> 01:04:10.110
Sacrifice.

01:04:11.130 --> 01:04:13.430
Do what the average person isn't willing

01:04:13.430 --> 01:04:14.010
to do.

01:04:16.830 --> 01:04:19.110
For instance, moving up here and starting this church

01:04:19.110 --> 01:04:20.170
we risked everything.

01:04:21.130 --> 01:04:21.590
Everything.

01:04:23.470 --> 01:04:25.310
We had no church. We had no job.

01:04:25.390 --> 01:04:26.090
We had nothing.

01:04:27.990 --> 01:04:29.530
God wouldn't ask you to do that.

01:04:29.770 --> 01:04:30.550
Apparently he does.

01:04:32.370 --> 01:04:33.650
I'm not the only person

01:04:33.650 --> 01:04:34.830
who's been put in that position.

01:04:35.590 --> 01:04:37.090
You just got to make sure you're hearing God.

01:04:37.910 --> 01:04:39.510
Well, why would anybody live

01:04:39.510 --> 01:04:40.190
like that?

01:04:40.970 --> 01:04:43.570
There's my answer to that question

01:04:43.570 --> 01:04:45.010
no matter what it pertains to.

01:04:45.530 --> 01:04:47.250
I've never felt I had a choice

01:04:47.250 --> 01:04:48.410
on how I live.

01:04:50.550 --> 01:04:51.770
I've never felt I had

01:04:51.770 --> 01:04:53.590
the choice. Like when he asked us to move

01:04:53.590 --> 01:04:55.350
up here, start a church, I had no choice

01:04:55.350 --> 01:04:57.110
in that. What choice did I have?

01:04:58.670 --> 01:05:00.090
See, do you do it or you disobey?

01:05:00.450 --> 01:05:01.590
Disobedience, never a choice.

01:05:03.330 --> 01:05:05.030
You say, well, I would never do that.

01:05:05.110 --> 01:05:06.150
Well, then you're going to be a person

01:05:06.150 --> 01:05:07.230
who lives in disobedience.

01:05:07.310 --> 01:05:08.790
Because God's going to ask you to do things

01:05:08.790 --> 01:05:10.910
that you already made the decision on.

01:05:11.010 --> 01:05:11.610
I'll never do that.

01:05:12.750 --> 01:05:14.330
So don't expect God to bless you

01:05:14.330 --> 01:05:16.670
because you're like a stubborn, rebellious child.

01:05:17.890 --> 01:05:19.250
You don't reward them

01:05:19.250 --> 01:05:20.150
for that behavior.

01:05:21.390 --> 01:05:23.650
Well, yeah, but it's a huge risk.

01:05:25.290 --> 01:05:26.630
Welcome to life on Earth.

01:05:28.810 --> 01:05:29.810
When you leave the house

01:05:29.810 --> 01:05:30.930
in the morning, there's no guarantee

01:05:30.930 --> 01:05:31.650
you're coming home.

01:05:33.530 --> 01:05:34.450
Saved or unsaved?

01:05:36.070 --> 01:05:36.510
Yes.

01:05:37.390 --> 01:05:39.010
My goal was always to be a disciple,

01:05:39.250 --> 01:05:40.890
not a believer. People

01:05:40.890 --> 01:05:42.750
will tell me, well, I feel like God's telling

01:05:42.750 --> 01:05:44.650
me to do this, but I'm not sure I should.

01:05:45.830 --> 01:05:47.010
I didn't know you had

01:05:47.010 --> 01:05:47.370
a choice.

01:05:49.350 --> 01:05:50.370
Something's wrong here.

01:05:51.910 --> 01:05:53.230
You're living your life

01:05:53.230 --> 01:05:54.570
on some principle that's wrong.

01:05:55.190 --> 01:05:56.790
If God tells you to do something,

01:05:57.350 --> 01:05:58.410
you don't have a choice.

01:05:59.270 --> 01:06:01.110
And yeah, it can be difficult.

01:06:01.630 --> 01:06:02.910
But remember, our light

01:06:02.910 --> 01:06:04.630
and momentary troubles

01:06:04.630 --> 01:06:06.270
can't compare with eternity

01:06:06.270 --> 01:06:08.630
and what we're being given

01:06:08.630 --> 01:06:09.490
and what's coming.

01:06:10.490 --> 01:06:12.290
So I'm at the end. So I got time

01:06:12.290 --> 01:06:14.090
to share this yet. Remember, I've told you

01:06:14.090 --> 01:06:16.670
over and over, ask God...

01:06:16.670 --> 01:06:18.170
I got to get through this without crying.

01:06:19.470 --> 01:06:20.290
Ask God

01:06:20.290 --> 01:06:22.110
what you're running toward

01:06:22.110 --> 01:06:23.870
because remember Scripture says,

01:06:24.390 --> 01:06:25.410
I has not seen,

01:06:25.410 --> 01:06:27.050
ear is not heard,

01:06:27.310 --> 01:06:29.330
nor has it entered into the heart of man

01:06:29.330 --> 01:06:31.430
what God has prepared for them

01:06:31.430 --> 01:06:32.570
that love him.

01:06:33.990 --> 01:06:35.130
What's the next verse?

01:06:38.130 --> 01:06:39.830
Oh, you don't know this yet?

01:06:39.950 --> 01:06:41.070
I got to keep repeating this.

01:06:41.770 --> 01:06:43.250
But God has

01:06:43.250 --> 01:06:45.550
revealed it to us

01:06:45.550 --> 01:06:47.270
by His

01:06:47.270 --> 01:06:48.230
Spirit.

01:06:49.890 --> 01:06:51.170
Ask Him what

01:06:51.170 --> 01:06:53.210
rewards are waiting for you

01:06:53.210 --> 01:06:55.130
in heaven. He will show you

01:06:55.130 --> 01:06:56.670
what you're running toward.

01:07:02.970 --> 01:07:04.530
I woke up the other morning

01:07:06.010 --> 01:07:07.050
just awake

01:07:08.030 --> 01:07:08.630
boom!

01:07:09.290 --> 01:07:09.790
a vision.

01:07:15.240 --> 01:07:16.540
I'll just say what it was.

01:07:19.000 --> 01:07:20.460
It was this huge valley

01:07:21.200 --> 01:07:23.760
I couldn't see where beside me

01:07:23.760 --> 01:07:24.660
or behind me

01:07:25.600 --> 01:07:27.160
but in front of me was this

01:07:27.160 --> 01:07:28.440
massive valley

01:07:29.540 --> 01:07:30.100
with

01:07:30.100 --> 01:07:32.400
huge mountains all the way

01:07:32.400 --> 01:07:33.960
around it. Beautiful mountains.

01:07:36.600 --> 01:07:38.520
And right in the middle of it

01:07:38.520 --> 01:07:40.220
towards the back was

01:07:40.220 --> 01:07:42.680
this massive, the only way I can describe it

01:07:42.680 --> 01:07:44.400
is this massive castle

01:07:44.400 --> 01:07:46.500
looking structure.

01:07:47.520 --> 01:07:48.720
And I instantly

01:07:48.720 --> 01:07:49.160
knew

01:07:52.360 --> 01:07:54.180
that's one of our mansions

01:07:55.100 --> 01:07:55.980
and we got

01:07:55.980 --> 01:07:56.520
more than one.

01:07:57.640 --> 01:07:58.580
That's one of them.

01:08:00.740 --> 01:08:02.340
And the thought went through my mind

01:08:04.220 --> 01:08:04.620
why?

01:08:07.220 --> 01:08:08.720
And the Holy Spirit chuckled

01:08:08.720 --> 01:08:10.660
and He gave me an answer I'm not allowed to give to you

01:08:10.660 --> 01:08:11.660
but He explained

01:08:12.460 --> 01:08:12.860
why.

01:08:14.200 --> 01:08:16.220
He said that's yours, just keep running.

01:08:22.300 --> 01:08:23.640
You see it's so hard

01:08:23.640 --> 01:08:24.700
it ain't nothing

01:08:24.700 --> 01:08:26.880
compared to what you're going to get rewarded

01:08:26.880 --> 01:08:27.200
for.

01:08:28.380 --> 01:08:29.420
It's nothing.

01:08:32.500 --> 01:08:35.440
We look at what's going on

01:08:35.440 --> 01:08:37.420
this is just momentary

01:08:37.420 --> 01:08:39.500
we're going to be out of this life so fast

01:08:39.500 --> 01:08:41.440
this is just a light

01:08:41.440 --> 01:08:42.100
affliction.

01:08:42.560 --> 01:08:43.480
You wait

01:08:44.160 --> 01:08:46.140
till we fix our eyes

01:08:46.900 --> 01:08:47.980
on what's eternal

01:08:47.980 --> 01:08:50.000
and what He has

01:08:50.000 --> 01:08:51.500
for us.

01:08:52.320 --> 01:08:54.960
God doesn't reward people with anything that will

01:08:54.960 --> 01:08:56.040
ever disappoint them.

01:08:57.600 --> 01:08:57.800
Ever.

01:09:00.440 --> 01:09:00.960
It's

01:09:00.960 --> 01:09:01.760
like

01:09:02.360 --> 01:09:04.200
after He showed me that it's like

01:09:05.580 --> 01:09:07.120
yeah, whatever you need

01:09:07.960 --> 01:09:09.080
whatever you want

01:09:09.900 --> 01:09:10.820
I'm all in

01:09:12.200 --> 01:09:13.040
because I know

01:09:13.040 --> 01:09:14.140
something I'm running towards

01:09:15.120 --> 01:09:16.860
and will be rewarded for it.

01:09:17.020 --> 01:09:18.880
So here's my last slide and we're done.

01:09:20.300 --> 01:09:22.720
To be a giver and a tither

01:09:22.720 --> 01:09:24.540
we need to grow in faith and trust God

01:09:24.540 --> 01:09:26.460
that He is actually going to pay

01:09:26.460 --> 01:09:29.120
our bills and etc. that we'll get through it.

01:09:29.340 --> 01:09:30.960
Might have to adjust our spending a little

01:09:31.460 --> 01:09:32.740
but we're going to get through it

01:09:32.740 --> 01:09:34.420
and we're going to be rewarded on the other end.

01:09:34.840 --> 01:09:36.520
Grow in the fear of the Lord put Him first

01:09:36.520 --> 01:09:37.740
grow in self-discipline

01:09:37.740 --> 01:09:39.500
quit putting yourself first

01:09:39.500 --> 01:09:41.080
grow in death

01:09:41.700 --> 01:09:42.800
to the old nature

01:09:44.000 --> 01:09:46.000
grow in wisdom insight and discernment

01:09:46.000 --> 01:09:48.100
and grow in the internal perspective.

01:09:49.420 --> 01:09:50.360
When I look

01:09:50.360 --> 01:09:53.560
at what He just showed me

01:09:53.560 --> 01:09:54.380
and He said that's yours

01:09:54.380 --> 01:09:56.060
just stay faithful just keep running.

01:09:58.900 --> 01:10:00.300
This puny

01:10:00.300 --> 01:10:02.400
little tithe I'm giving

01:10:03.320 --> 01:10:04.460
is nothing

01:10:06.180 --> 01:10:08.540
compared to what He's ready to give

01:10:08.540 --> 01:10:10.400
to me in this covenant exchange.

01:10:11.980 --> 01:10:14.100
Do you realize the average lifespan

01:10:14.100 --> 01:10:16.400
or the average American

01:10:16.400 --> 01:10:18.300
male lifespan right now

01:10:18.300 --> 01:10:19.860
is 76 and a half years old

01:10:23.610 --> 01:10:24.330
and I know

01:10:24.330 --> 01:10:26.010
all of us say oh it ain't going to be me

01:10:26.010 --> 01:10:27.050
I'm going to live a lot older.

01:10:27.610 --> 01:10:30.110
Some of us might die a lot younger

01:10:32.110 --> 01:10:34.490
if I go to the average I have seven years

01:10:35.690 --> 01:10:36.410
and I'm gone

01:10:37.710 --> 01:10:38.110
which

01:10:39.110 --> 01:10:40.970
I believe God has promised me beyond

01:10:40.970 --> 01:10:41.210
that

01:10:42.510 --> 01:10:43.490
so I'm not planning

01:10:44.710 --> 01:10:46.670
of course those are everybody's

01:10:46.670 --> 01:10:47.450
famous last words

01:10:48.150 --> 01:10:49.970
I don't see myself doing that

01:10:49.970 --> 01:10:51.170
well yeah nobody ever does

01:10:52.330 --> 01:10:53.590
98 years old

01:10:53.590 --> 01:10:55.950
they died it was so unexpected

01:10:55.950 --> 01:10:56.570
it's like

01:10:57.110 --> 01:10:57.630
really

01:11:00.390 --> 01:11:01.250
come on

01:11:01.250 --> 01:11:03.190
don't play the ostrich here

01:11:03.190 --> 01:11:05.210
and just stick your head in the sand to the obvious

01:11:07.550 --> 01:11:08.590
but anyway

01:11:09.590 --> 01:11:11.090
if all I have

01:11:11.090 --> 01:11:13.050
which I believe I got more on that plane

01:11:13.050 --> 01:11:15.230
but if all I have is seven years

01:11:15.230 --> 01:11:21.030
The last thing I'm going to do is shift into neutral and take it easy here.

01:11:22.030 --> 01:11:27.030
I will run with everything within me. Why?

01:11:27.910 --> 01:11:33.690
Because he is a rewarder of those who diligently seek him.

01:11:34.850 --> 01:11:41.450
I will put more effort in these last seven years than I've put in the previous twenty. Why?

01:11:42.790 --> 01:11:55.610
The little bit of relaxation you get on this earth isn't worth exchanging for the eternal reward that I will earn in this next seven years.

01:11:57.550 --> 01:12:08.250
I can have seven years of relaxation or I can have forever to enjoy something that he rewarded me with for these seven years.

01:12:08.250 --> 01:12:12.770
Come on, be a business person. Which is the best choice here?

01:12:13.510 --> 01:12:27.390
Of course, all you have to do to figure out where the devil is on that is the American dream is to get to the point where you can do nothing.

01:12:28.110 --> 01:12:32.230
Totally opposite of God. Nothing gets no rewards.

01:12:33.370 --> 01:12:38.150
Well, I can just get to the point where I got enough money and sit around and do nothing with my life. That would just be perfect.

01:12:38.690 --> 01:12:41.530
Now, you're a fool, man. You're a fool.

01:12:42.510 --> 01:12:50.510
If you can get to that point, you can get so much further down the road in working for God and instead of having it for thirty years or forty years,

01:12:50.770 --> 01:12:57.770
you will have it for millions and millions and millions of years and we just got started.

01:12:59.570 --> 01:13:01.150
Which one makes the most sense?

01:13:02.010 --> 01:13:10.630
So Lord, I pray that by your spirit we've learned something. I pray that this morning you did something not only in this message,

01:13:10.630 --> 01:13:19.610
but in the previous stuff that we covered. I pray something changes our heart to see this thing from the perspective you see it.

01:13:20.310 --> 01:13:26.710
Not just our very limited human perspectives, but see it how you see it.

01:13:26.710 --> 01:13:39.650
Change our heart, change our heart, change our heart to be wise, to be good business people, to be understanding and have insight,

01:13:40.090 --> 01:13:51.850
to be willing to work hard and research and put in the work to lay the foundation before we actually make the investment.

01:13:51.850 --> 01:13:59.550
Lord, give us the ability to be the kind of business people you talked about.

01:14:00.710 --> 01:14:06.270
And you gave them five talents and they doubled it and made it ten. That's me in Jesus' name.

01:14:06.550 --> 01:14:11.270
And I pray that gets on all of us. Change our hearts in the name of Jesus. Amen.

01:14:12.390 --> 01:14:15.410
Amen. Thank you for staying late. Have an awesome, awesome Sunday.