Prosperity Redefined

0:00:01            Don’t miss today’s. More faith, more life. Podcast. You’re going to talk about money. Let’s talk money. But you’re going to hear stuff you’re not going to hear from anybody else and you’re not going to be rich people telling you it’s just regular folks how they get to pay cash for not only certain items, but even a car.

0:00:17            You were made for more than the status quo. I’m Pastor Steve Gray, and this is the More Faith, More Life Podcast. This podcast is for Christians with an ambitious heart who want to be more for their family, do more with their career, and see more of God’s promises in their life. I’ve spent many years as a worship, artist, minister, nonprofit leader, bold, truth speaker, and most importantly, father and spouse.

0:00:42            When I was in my early forties, I was craving more. More from God and more from life. I’d done everything I was supposed to do. My life was good, but it wasn’t good enough. So I spent the following years diving into the word of God and searching for the biblical principles that would bring me closer to God and help my purpose and life flourish. That’s what I want to share with you. In every episode you’ll get practical tools based on real life experiences that you can put into action to redefine your faith and ultimately your life.

0:01:16            So if you’re ready to do more, subscribe to More Faith, More Life and hear an unfiltered biblical truth every week, it’s time to be and experience more.

0:01:29            Hello everyone and welcome to another More Faith, More Life podcast. And let’s talk money. Today we’re talking about your money. So you really need to listen and there’s going to be things in this that you’re not going to get everywhere. There’s a lot of pastoral talk, father talk, dad talking to kid talk, what to do with your money. Okay? So let’s get started. Let’s talk money. Okay, first of all, let’s do a Bible verse. So we get a little Bible in here.

0:01:54            The Bible says you cannot serve two masters. And when it’s referring to that, it’s referring to money. So we got to know something here. When we talk about money, we’re dealing with a master. Okay? And what does a master do? A master wants to control. A master wants to take over, wants to be in charge. Okay? So master is a controlling, let’s call it spirit, whatever. Money is controlling, okay? So that’s the first thing we want to get, or at least our intro.

0:02:25            And you cannot serve money and yourself, even you cannot take care of yourself if you’re serving money. So you cannot serve two master. You can’t be the master and money be the master. All right? You just got to know it. It’s very powerful. So you got to get control of this thing. Okay? So after that, actually the first thing I want to say. I got some notes today because I jotted down some things real quick is first thing, you got to understand our money system, the money system of America. Or we could call it capitalism if we want to. And I’m not anti-capitalism.

0:02:58            I just think we need to fit ourselves, especially if you are a believer, you go to church, you call yourself a Christian, or maybe you don’t. You should you should get those things. We’ll talk about that in a minute. Maybe, but just to be a little bit more wisdom and different lifestyle than everybody else in this capitalistic system. Okay? Okay. But here’s what you got to know. First thing you got to know is the monetary system or the system of money or capitalism is not made for you to make money, all right?

0:03:30            Capitalism the monetary system of America way we do things, and I’m not against it, but let’s just know what it is. It’s not set up for you to make money. It’s set up for somebody else to make money with your money. Somebody else to make money. It’s set up that way if you were born into a rich, rich family, whatever, inherited a bunch of money and you’re a million billionaire, okay, then you can get on the other side. And you’ll get on the other side. You’ll be loaning money to banks, okay, and at higher rates, okay? But that’s another story.

0:04:03            So we’re talking about regular folks. You’re not a billionaire. You’re not a millionaire. So the system is not set up for you to make money. It’s set up for your money to make money for somebody else. Somebody’s going to use your money, okay? Once you understand that, you can say, like what? I don’t think I like that idea. All right? Second, you got to stop working for money. Stop working for money and start letting money work for you.

0:04:33            The system is not set up for you to make money. And then on top of that, you have to stop working for money. You have to let money work for you. And there’s a way to do it, but we got to do it how? Well, okay, the goal you want to do the goal the way to do this, to let money start working for you is you want to start financing yourself. In other words, we’re basically doing what rich people do, maybe a little less than what they can do, but we’re going to kind of follow that.

0:05:04            Okay, so stop working for money. Let money work for you. How do we do that? Finance yourself. Finance yourself. We’ll talk about that. But we have to understand what prosperity is. I told this to a lot of people around the world. Prosperity. Or maybe if you want to really make it on the low level, rich being rich, prosperity is not how much money you have. Prosperity is how much money you have left over after you pay everybody else.

0:05:36            And so that’s what you have to realize the couples in America, the singles in America, hardworking people, but most of them right now are struggling with nothing left over. And if it is, it’s nothing they can really do anything with. So you could actually be rich in our country, in our society, if you have anything left over compared to somebody who has nothing. So I went out one time, I was poor, and Kathy and I, well, we weren’t poverty then.

0:06:07            We probably would have been considered poverty. But because we worked these things, we didn’t think we had poverty and didn’t look like we had poverty. But our level of income was really, really low. And it’s because we were starting out in the know, of course it’s going to be low. We’re just starting out. So we went out to eat. I think it was just pizza. I think it was just pizza with some people, and I can say it now. And we happened to go out with the superintendent of schools of that school district.

0:06:34            Now, I don’t know, he had a pretty good salary. He’s a superintendent of schools. All right. So then when it came time to pay the bill for the pizza, he was like, squirming and wondering and looking like we’re all going to put a few bucks. And I said, wait. You know what? I’ll pay for it. You know why? This pizza was $40. $40 for all of us in that booth, okay? And I thought, I can pay for it. I have money left over.

0:07:05            And he didn’t he laid a lot, lots of money, but he didn’t have any money. Okay, you got it. So that’s what we want to do. We’re going to get the goals, have some money left over. That’s what prosperity is. You want to get out of the system that pays somebody else, they’re making money off of your money, and then you want to start having money work for you by financing yourself so that you can be prosperous.

0:07:28            And prosperous is what, how much you have left over when everybody else gets your money, okay? And that’s the goal. You want to pay everybody. We’re not going to get prosperous, not paying what we owe, right? That’s dishonest. So we’re going to pay everybody, but we’re going to work towards financing ourselves and having some money left over. Now, when we talk financing ourselves, we need a little realism here.

0:07:51            The way the system is set up. Now, if you buy a house, want to buy a house, you’re going to probably almost you’re going to need help. You’re going to need some help. You’re not going to be able to pull the money for the down payment unless you get some kind of deal where zero down payment or whatever. But even then, it’s set up the house payment. Most people have to make house payments. They have to do it. They don’t have the money to do it. So they got to make deals at the beginning.

0:08:20            So they’re actually not get this. They’re not thinking how much the house is worth. They’re thinking, how much can I pay per month? That’s a whole other story, which we’ll get to. But my thing is we’ll make it an exception, right? So when we talk about financing ourselves, we’re not going to talk about our house. Houses are sky high, everything’s. The housing market’s crazy, so let’s leave that one out. But otherwise than that, we want to start financing ourselves. So let’s make this real simple, okay? Real simple. So you can understand and how you two ways we’re going to start. We’re going to start with microwave.

0:08:57            A microwave. And we’re going to end on a car. A car is really important, okay? And that might be the most exciting thing is learn how to do this. But anyway, we want to start finding on stuff. So you want to buy a microwave. All right. So money becomes your master. When you can’t buy a microwave, you don’t have the money. Now, microwaves today go as I picked it for this reason for like $100 to about $500, okay? Somewhere in there, in between. You can pick in between how fancy, okay?

0:09:32            Now, if you don’t have the money to buy a microwave, when it’s time to buy one, then money is your master. Because you know what you’re going to do if you have to get it. But we hope you time it out to where you know you’re going to need it. So you buy it on your time. You say this thing’s about ready to blow. But anyway, so you need a microwave, and you don’t have the money to pay for it. So what are you going to do? You’re going to use somebody else’s money, right? You have to.

0:09:58            So you’re going to use somebody else’s money to buy a microwave. Let’s say it’s $150. It’s not a fancy one, okay? And that’s where you should start anyway. So now money is your master because you have no money. You can’t buy $150 thing without somebody helping you, okay? So we want to get past that, and we want to start using your money. Okay? So now we start in our thinking, we think. And then the lesson we have here, lesson one, to be prosperous.

0:10:30            To be prosperous, as we’ve already said, you always have to work towards having something left over, okay? Something left over. Now, it doesn’t have to be huge amounts, but it has to be something left over. Whatever’s left over, the first penny you have is prosperity. If it’s left over, nobody’s calling for it, okay? And so that’s where you want to get. I started taking over our finances in marriage when I noticed I never took care of it.

0:11:05            My mother took care of it, and her mother took care of paying all the bills and the money. And I don’t think probably if I had to ask her dad, he would have known what the utility bill was, or he would have known what their house payment was. I just don’t think he would have known, okay? And so I have no idea because I was a kid, so how would I know when I was growing up, I didn’t know either. But anyway, so I noticed when bill time came, you had to pay all the bills once or twice a month.

0:11:33            Kathy almost had a personality change. She really got nervous because we were starting without very much money. We had a house payment. We had a car payment. Actually, we did have one time, but anyway, we had a car I don’t think we had a car payment this time, even as young as we were. But that’s another story, okay? But we had payments, we had utilities, just like you, the water bill, whatever. And she would get nervous to paying because she knew how much money we had, and she knew how much was going to go out, okay?

0:12:02            And we weren’t making very much money. So I did something. I went to her and I told her, listen, I’m going to take over all the bill paying because you don’t have to go through this. I haven’t ever seen it done, but I’m going to be the leader I’m supposed to be. And if you fall back sometimes in your marriage and say the husband’s supposed to be the leader, the husband is the leader, and all that kind of stuff, the master of the house, because God says it in his word.

0:12:27            Well, think of it as you’re the leader and you’re responsible. That’s what it means, okay? So it means to be the head of the house means you’re the responsible one. And you’re calling yourself that. You’re making yourself responsible. That doesn’t mean your wife is irresponsible or she’s not even more responsible than you, but it’s a trade off then of roles. I’m going to start being responsible. So I told her I’ll start being responsible for the monthly bills and finances from now on.

0:12:58            So I took her shoebox away. She had a shoebox that she put all the bills in, pulled it out, wrote them all. I took that away from her. I said, I need you to tell me you’re willing to forget this. And her faith was in herself, not me. But take this. I’m going to take this away. And when a bill comes and you get the mail, you put it in this box, and then you don’t have to open it, just you just put them in. You never have to take them out again.

0:13:21            I’m going to be responsible. I’ll make sure everything gets paid. And I would, and I’d budget it and fix it and do it and plan it. And then what I would do even better is when I was done, I would go tell her not how much it costs, not how much we spent, but how much we have left over. How much we have left over. Okay. And that’s exciting. So I get to tell her not where the money goes. I get to tell her what came in.

0:13:50            So we’re starting to have money to use. Money to use. And so we would buy our if when we wanted to buy a microwave in this case, then we would start putting it away. And it might mean not a lot, but if you need a microwave and you’ve got $150 in the bank, you at least got that, then money is not your master. And you could go pay cash. And it may not be a big deal, but you actually own that microphone microwave. You actually own it, right?

0:14:21            Might be small, but you didn’t use anybody else’s money and nobody else owns that microwave. It’s yours. And that’s the beginning of this. And it feels really good. So always want to have something left over. And then to get to something left over, guess what? You got to start doing something you’re not going to like, especially in our culture today, we’re very poor at this. You’re going to have to start saying no to yourself.

0:14:46            You know how to say no to your kids, maybe even try. At least you attempt to say no to your wife. Maybe you’re the boss at work and you say no to some employees or whatever. Now, the key to prosperity and not letting money be your master is you got to start saying no to yourself, okay? Nobody else says no to yourself, okay? Nobody else tells you no. You don’t go to the bank. And the banker says, you’re not reliable to loan money to. So I’m going to say no.

0:15:16            You’re going to say no to yourself. Okay, so you’re going to start no. And what does no mean to yourself? There’s a lot of things you can do. I help a lot of people financially just out of generosity, and the church does and all that kind. It’s just something we do because that’s part of taking care of people. And so our other pastors do it, actually. But they have a list that you fill out of where’s your money going.

0:15:38            You need this amount of money. People come say, I need 500, I need 1000, sometimes 2000, $3,000, we got to have it now we’re back behind on our house payment or whatever. And so then we look and see where is the money going. And sometimes you can’t help if that’s what you have to pay rent or house payment, although a lot of people live in places they could downsize for a while, but that’s okay. But we see other things, like cell phones.

0:16:07            And let’s say, for instance, there’ll be three cell phones in the house. Everybody’s got a cell phone. Everybody’s got great coverage, everybody’s got full service and all that. You know what you can do, you’ll save a whole lot of money I mean a lot of money. Get a simple start with a simple cell phone. Doesn’t mean that you don’t want your child to have one if you’re afraid they’re going to get in danger.

0:16:27            You go buy a very simple cell phone that you can call, you can text, you can email, maybe you can surf a little, maybe limited, but in emergencies and do that, do that on the cell phone. If you need to surf the web, maybe you have a computer that you can do it on or you can buy a refurbished laptop and it’s a one time purchase and all that, but chances are you have a computer anyway. And so then get a very simple phone. Knock that down. You say, no, we don’t have to have the phone, the fancy phone right now. Not right now.

0:17:02            Okay, so you do that. Here’s another thing you can say to yourself, simple phone. Oh, and you get this, get a simple TV, simple TV system. So I look on it and I see how much they pay cable or movies or subscriptions and all that. Say no to yourself. There’s things you can watch. I know you want to watch, but instead you want to have a season of. You want to start prospering. You want to start being the master of money and make money work for you. Then you’re going to have to say no to yourself.

0:17:34            And then the last one that’s really hard. Well, two of them are really hard. Stop going to the movies because you can get most everything on TV eventually anyway. It’s very expensive. I go to the movies once or twice a year. Some family member wants to see something and they invite us. And it’s always the right kind of movie as best we can make it. And so the last time we went, I can’t remember what we went to see, I guess it doesn’t matter, was some adventure movie or something anyway.

0:18:01            But my daughter bought tickets for herself, her husband, kid and Kathy and I, okay. And I thought, wow, the tickets aren’t cheap. Are you sure? Okay. So she said, yeah, I want to do that. So then I went, just the two of us. We got there a few minutes late. They already had all their stuff. We got there and let’s each get a popcorn. I want a large drink and she got a water, I got a large drink, we got two popcorns. And I don’t know if she threw in some juju beads or something, I don’t know what, something. But anyway, guess what? When we got done, the cost of those refreshments was more than that, Bobbie. My daughter spent on tickets.

0:18:41            We spent more on the food than we spent on the tickets. And I thought she did a big deal. I should have had her buy refreshments and I’ll buy the tickets. Okay, so anyway, stop going to the movies because you can or do what I do, you really limit. I limit and I do other ways. I watch TV, watching my I’m not a big TV person anyway. But you can get stuff if you have a laptop, you can watch stuff on that.

0:19:08            Hook your laptop up to your TV, stuff like that. Stop going to the movies. And then here’s the hardest one of all in our culture, because people love it is stop eating out. Or limited once a month. Could you do it once a month? Don’t do it once a week, that’s not going to help. Or twice a week or every day. I mean, people are complaining about their finances and they don’t have the money, extra money. But we can’t even get in a restaurant here in our town on a Saturday night.

0:19:33            If you decide, let’s go eat out, you can’t get in maybe 09:00 10:00 at night. And after church, we get out on church. And if somebody says, let’s go out to eat, it looks like it’s going to be someplace nobody else wants to go because all of them are full. Full. So eating out. So anyway, you’re going to start saying no to yourself. You’re going to say no to all these little things. You’re going to simpler phone, right?

0:20:00            And you want to get to the point where you’re paying yourself simpler phone and not eating out. You’re not going to go to the movies. Well, simple TV, too, if you can sometimes, if there’s not that many, if you got a smart TV and you’re really not paying much subscriptions and just going because smart TVs had a lot on them, right? You just have to watch ads sometimes. But you can get those free, and you can watch a lot of the same things.

0:20:29            Okay, so that’s it. That’s saying no to yourself. That’s lesson one. I think after we got our other stuff in, then lesson two, understand, eventually you will get to do all these things we just named. You will get to go to the movies, you will get to eat out. You will get a better phone, but you have to go through a season, a time till you get to that place, to where you can buy the microphone. I’m using a microphone. I’m looking right at it. Buy the microwave, you pay for it, it’s yours. Nobody else owns it. You know what, you might have to get a cheaper one. You might have to get one that says, this is probably not going to last ten years.

0:21:09            But for right now, our goal is to have money left over. So we’re going to get a cheaper one for now. For now, because we’re going to learn how to make money work for us. Now you own something, okay? And it’s new, brand new, but you own something, not the fanciest, but your goal still, you bought that. So now let’s say you only had $150, all right? Now it’s depleted, it’s gone. But that doesn’t matter because the way you’re doing things, you’re going to put something back anyway.

0:21:36            Something back always left over. A savings account is good, but you can put it wherever you want to. But if it’s one week, it might be $20. The next week, $60. This week, $10 or whatever. Every time you get paid, you want to pay everybody else and then have some leftover. Okay, so now cars, before we lose any more time and get behind here, cars, big, big deal on cars. All right, so first of all, your goal, whether you know it or not, is you’re going to be the master of your money, and you’re going to finance yourself.

0:22:07            So your goal would be to go into the car dealership and pay cash. If you’ve never done that, it’s an exciting moment. I’m going to show you how to do it, what I’ve been doing. But it’s an exciting moment to walk into the car dealership, have a check in your hand for the say, this is how much money I’m going to spend, right? Or you have a checkbook in your hand anyway, and you tell them what you’re going to spend.

0:22:33            By the way, never buy a car based on payments. Always buy a car on how much the car costs. They always know you. If they say, well, how much a month are you willing to pay? That’s none of your business. Your business is, tell me, how much does the car cost, how much does the car cost? And if it’s overpriced, then you’re going to walk away, or you’re going to work and deal with them till you get it your price.

0:22:58            And then if you got money, I know you probably don’t now, but if you’ve got money and you’re going to pay for the car cash, then all you got to say after that is when they say, well, I can’t do any better than that. That’s the best I can do. And then you say, okay, I want to tell you something. Here’s this money I have, whatever amount of money I have cash, I’m willing to buy this vehicle and may not get the top dog, but you can still buy new. It’s just not fanciest or the biggest, but you can still buy new if this system works. Okay, but here it is. So this is what I want to pay. I want to know what the car is worth to you, and this is what I think it’s worth to me. I’ve looked it up on the Internet, and here’s what I’m going to pay.

0:23:36            I’ve got some money here’s, this money, I’m going to spend this money. Is it on you? Are you going to get it? Or is somebody else who’s going to get this money? Is it you? And that’s it. Okay, but anyway, you’re not ready yet at that part, but it’s a great time. So anyway, all right, so what we got to do is, first of all, whatever vehicle you’re driving, you’re going to sell it, okay? Now that’s a hard one because you might say, well, I put equity into it. So now if I trade it in, I’ll have something, or if I sell it, I’ll get some cash back. Yeah, but there could be exceptions.

0:24:13            But most people are making too big a car payments and you need to, in my opinion, especially if it’s newer, sell it. Don’t trade it in, you’ll lose money. Sell it, all right? And then buy a car that you can actually afford, all right? Because when you sell it, you’re going to get money, right? But now you have no car. So you take the money from the higher priced car that you’re struggling to make payments for, and you put some money in the bank and you buy a car with that money. But you don’t spend it all on a car because you got nowhere, right? You’re going to spend a portion of it on a car, the best car you can get, and be sure, get low mileage.

0:24:51            Get low mileage. Low mileage, okay. And you’re going to find one and you’re going to buy it the best you can do with cash and still have a pretty good hunk left over. And you’re going to put that away in the bank. Okay, so now you have a dumpy car. You got an embarrassing car, maybe, but it runs and it has lower mileage. It doesn’t have a billion miles, okay? It’s got low mileage and you’ve lost that payment now. So you bought what I want to call a useful car, all right? So that payment’s gone.

0:25:23            You don’t have a nice car like you’d like, but you found out what it was worth and you bought a car for what it was worth and not was over. And if you make payments, then what you’ll do is what you do is if you’re struggling financially, you need a car, what are you going to buy? You’re going to buy the best car you can, but you’re going to buy it with somebody else’s money, and you’re going to try to get the payments lower because you don’t have any money every month. So you get the payments lower as you can, which does what?

0:25:51            Extends the life of the loan. So now you got a five year loan. Let’s just say that. Six year loan, okay? But the car has got 150,000 miles on it when you bought it. Well, that car is not going to go for another five years. They’re not made to or six years. So what it’s going to do is going to break. And if I remember right, my son in law who wasn’t married to my daughter yet, and he had a car and he was making payments more than the car was worth, but it was okay.

0:26:19            It was an old car with a lot of miles. But it had a reputable name, so it didn’t look that bad. But one day his transmission went out and they wanted $5,000 for the transmission. So he goes and he doesn’t have enough money to buy another car, but the cost of the transmission was more money than the car was worth. Well, his instinct was, okay, I’m going to go and borrow that money, or have the transmission people, they got a finance, they finance and you could pay it off. And I’m going to add that to my car payment. Now, you’re buying a car, and it’s not even worth that with a payment you really can’t afford. Okay?

0:26:56            So we sold it. We sold it and he bought a car with whatever money he got. He didn’t have much left over, but at least he got out of that. He sold got out of it. I don’t know how we did it, but we did it. Okay, so anyway, so you want to buy a car and you don’t want to buy it on payments. If you do buy it on payments, which you might have to at first, it’s got to be short three years, no more than three years.

0:27:19            That means maybe you can’t buy the fanciest car you want, but you don’t want to go more because after three years, the warranties wear out, the cars change. They do that on purpose. Okay, so you want to buy a car, so you want to pay cash, all right, sell the other car, pay cash with money left over. Now, here’s the trick. You were making payments to somebody else, right? So you’re going to take the money that you have left over, put in a bank, whatever it is, maybe it’s only $1,000. All right?

0:27:47            You got a car paid for, you got $1,000 in the bank. Now, what I want you to do is keep making car payments. You say, what I make? Keep car payments. I bought the car, I sold my other car, bought this dumpier car, not nicest car. Why would I go make car payments? Because you’re going to do what rich people do. You’re going to keep making car payments because you struggled or got close to it anyway for a while.

0:28:13            You’re going to keep making car payments just like you were making if you were on a three year loan. Four year loan. Make car payments to yourself for three years. All right? See, this car has got to last me three years. But you’re not going to make car payments to the dealer or to the finance company, right? You’re going to pay yourself. You’re going to pay yourself. That’s what rich people do. It’s sort of okay, so you’re going to go buy a dump of your car, pay cash, have some money left over, and then you’re going to keep making car payments to yourself as though you were still paying the finance company, okay?

0:28:47            And when you do that now, you’re going to start now, what do you do that? So you’re going to drive the dumpy car for three years, two years, and then you’re going to sell it, whatever, and get the money out. But you got thousands of dollars that would have gone to a finance company. You got it in the bank because you became the bank. You take that money, you sell the dumpy car, take the cash you have in the bank, and you go and do what?

0:29:09            You buy a car with cash may not be the best, but you’ve upgraded from the last one and now you’ve got a better car and you own it. And what do you do after that? I would say do the thing one more time, but keep paying yourself what you would have paid three years. By the time six years has passed, you’ll have enough money to trade that car, to sell that car and get a great car that you now own. You paid cash, upgraded car, and you paid cash by paying yourself.

0:29:40            Now you own cars. Your money is working for you, all right? So you’re going to pay yourself and make it work for you. Last, though, always remember this. Set up some. You’ve got to have some money for God. The Bible teaches you get your paycheck. In my opinion, you follow this plan. Take out 10% and give it to God. Give it to your church. Give it to your church. You say, how can I do that? Because this is another thing. God’s going to get on your side and start blessing you with the 90% left over as you pay everybody else.

0:30:13            And you have money left over until you finance yourself and you start buying things with cash. Okay, so this will work. But don’t forget God. That’s the hardest part to do is well, God doesn’t yell at you when I do, so I’ll just forget him. Like I don’t pay other people. Pay God, pay 10%. God’s going to get on your side, work great things for you, miraculous great things financially. So you’re going to finance yourself with God on your side.

0:30:37            You’re going to start being prosperous when you learn this system until you can buy a car with cash. And then when you get the car you want after two seasons, maybe six years later, but a lot of times you were going to pay six years on that other car anyway. And then you have nothing except you have a car, but you don’t have any money. Okay. And then you got to go buy another one. Okay. So six years later, you now have a car, a really nice car, paid for right now.

0:31:03            You keep putting money away and your microwave, your washing machine or whatever breaks down. What are you going to do? You go get the cash. You have cash because you’ve been putting money away, and you have money to put away because you’re not making a car payment anymore, remember? So these are great ideas you’ll probably not get anywhere else. You’re going to make money, your master, because money is a master, the Bible says, and you can’t serve two masters. You can’t help yourself out if you’re serving money, all right? You control your life. So you’re going to become the master. You’re going to understand the system is not set up for you to make money. So you’re going to change the system, and you’re going to start financing yourself and put money away.

0:31:39            Start putting money away. Pay everybody else. Make sure you pay God, because you don’t want to do this without God. It’s a whole different story. The 90% you’ll have left over will be enough, okay? And then you’re still going to put some money away. Best you can start putting that money away. So if you have appliance in a little while, you’ll have enough money to replace it and pay cash instead of somebody else owning it. And then you’re going to start saying no to yourself.

0:32:04            So you have more money to put away, right? Because your goal is like, six years to pay cash for a car or something. But anyway, you’re going to start saying no to yourself in all those areas we talked about. And then you’re going to sell the car that’s worth whatever and you’re making big payments on. You’re going to sell it, take the money, buy a cheaper car that’s not as much fun, and take the cash left over, put it away, but keep paying the same car payment you made the finance company. Do it to yourself for the next three years.

0:32:32            Go sell that car, then get a better one. Keep paying yourself what you would have made if you were making payments. And six years later, then go buy a great car that you own. And now money works for you. And they start putting money away, and the system is rolling. We’ve done it. That’s what we do. We did it. We’ve done it several times, bought new cars, and it will work. But it takes some discipline to start out, so money works for you. So that’s my lesson on money. Most of the stuff you’ll never hear. So this is like dear old dad talking to you, giving you how to do this. I have a lot of other ideas on cars and things, but that’s all that we have time for. Too much. I mean, you got enough to start, right? So do that, and you’ll have more faith then, because you did it by faith, you’ll have more faith. And that produces what?

0:33:18            More life. More faith produces more life. Use your faith, follow this plan and become prosperous while in this world, right? Okay, till next time. Bye bye.