1
00:00:00,040 --> 00:00:02,960
You can teach them to your kids.
And so number one, we said that 

2
00:00:02,960 --> 00:00:05,120
you should model contentment in 
the home. 

3
00:00:05,760 --> 00:00:09,880
What you do and, and what you 
say is what your kids are going 

4
00:00:09,880 --> 00:00:12,960
to see as acceptable and what 
you allow in moderation, your 

5
00:00:12,960 --> 00:00:15,920
kids are going to do in excess. 
And so it's important that you 

6
00:00:15,920 --> 00:00:19,720
be the model in the home. 
To this end #2 you should mentor

7
00:00:19,720 --> 00:00:22,040
workers in the home. 
And we said that work as a means

8
00:00:22,040 --> 00:00:24,360
for your provision. 
And that work is ordained by 

9
00:00:24,360 --> 00:00:26,760
God. 
I know we many times we look at 

10
00:00:26,960 --> 00:00:29,920
work as, as something that we 
should dread, but God ordained 

11
00:00:30,040 --> 00:00:34,160
work before the fall. 
God gave Adam the job of, of 

12
00:00:34,320 --> 00:00:37,080
dressing the garden and keeping 
it and naming all the animals 

13
00:00:37,080 --> 00:00:38,800
and doing all those things. 
And that was work. 

14
00:00:38,800 --> 00:00:40,680
And that was, that was before 
the curse. 

15
00:00:41,000 --> 00:00:43,400
Now, obviously by the sweat of 
your brow, you're going to have 

16
00:00:43,400 --> 00:00:46,040
to work and dig and plant and do
all those things. 

17
00:00:46,040 --> 00:00:49,040
And that was part of the curse. 
But work is ordained by God and 

18
00:00:49,040 --> 00:00:51,400
it's a gift that's given to 
given to us by God. 

19
00:00:51,680 --> 00:00:54,600
But here's what I want to talk 
about tonight #3 is to manage 

20
00:00:54,600 --> 00:00:58,480
stewardship habits in the home. 
That's how you that's one way 

21
00:00:58,480 --> 00:01:03,640
that you can cultivate 
contentment, just being able to 

22
00:01:03,640 --> 00:01:06,760
handle your money. 
And you know, teaching your 

23
00:01:06,760 --> 00:01:10,280
children to work is a vital 
thing, but too many people 

24
00:01:10,280 --> 00:01:12,560
willing to work don't reap the 
blessings because they're not 

25
00:01:12,560 --> 00:01:15,280
good stewards of their money. 
And you know, there's, there's 

26
00:01:15,280 --> 00:01:19,320
many times when, when things 
come up that you would like to 

27
00:01:19,320 --> 00:01:22,440
be able to take part in, you'd 
like to be able to give to, and 

28
00:01:22,440 --> 00:01:26,720
you can't because you have no 
money because not that you don't

29
00:01:26,720 --> 00:01:29,800
work, not that you don't make 
decent amount of money, but you 

30
00:01:29,800 --> 00:01:32,240
don't know how to keep it. 
You don't know how to spend it 

31
00:01:32,240 --> 00:01:34,360
the right way. 
And so you have no money to be 

32
00:01:34,360 --> 00:01:36,800
able to do the things that you 
would like to do or to do the 

33
00:01:36,800 --> 00:01:38,760
things that are important. 
And obviously we're in the 

34
00:01:38,760 --> 00:01:41,640
middle of this Belize project 
right now and we got a lot 

35
00:01:41,640 --> 00:01:44,040
that's going on down there. 
And, and, and I'm not saying 

36
00:01:44,040 --> 00:01:46,520
that you should have saved all 
your money so you could give it 

37
00:01:46,520 --> 00:01:48,440
to that, but I'm saying, you 
know, there's probably, there's 

38
00:01:48,440 --> 00:01:50,360
probably some of you who would 
like to have given to that 

39
00:01:50,360 --> 00:01:52,800
project and can't because you 
don't have any money, because 

40
00:01:52,800 --> 00:01:54,280
you haven't handled your money 
the right way. 

41
00:01:54,440 --> 00:01:57,680
There's a lot of other projects 
that we could that, that, that, 

42
00:01:58,160 --> 00:02:00,920
you know, we have an opportunity
to give to maybe a missionary 

43
00:02:00,920 --> 00:02:04,080
project or even something in the
church that you would say, man, 

44
00:02:04,080 --> 00:02:06,040
I would love to be able to jump 
in and give to that. 

45
00:02:06,040 --> 00:02:08,160
I'd love to be able to give to 
the youth to go do this. 

46
00:02:08,160 --> 00:02:10,360
I'd love to be able to do that, 
but I can't because I don't have

47
00:02:10,360 --> 00:02:12,000
any money. 
It's not because you're not 

48
00:02:12,000 --> 00:02:15,840
working and that would be a 
problem, but it's, it's because 

49
00:02:15,840 --> 00:02:17,760
you don't know how to handle 
your money the right way. 

50
00:02:17,760 --> 00:02:21,320
So first Corinthians chapter 4 
and verse #1 the Bible says let 

51
00:02:21,320 --> 00:02:25,960
a man so account of us as of the
ministers of Christ and stewards

52
00:02:25,960 --> 00:02:29,120
of the mysteries of God. 
Moreover, it is required in 

53
00:02:29,120 --> 00:02:31,520
stewards that a man be found 
faithful. 

54
00:02:32,040 --> 00:02:34,080
And we're going to talk a little
bit more about those principles.

55
00:02:34,080 --> 00:02:36,200
In fact, you can turn over to 
1st Corinthians chapter 16 

56
00:02:36,200 --> 00:02:37,840
because we're going to get there
in just a second. 

57
00:02:37,840 --> 00:02:44,400
But attitudes regarding money 
are learned, and most of the 

58
00:02:44,400 --> 00:02:45,560
time they're learned in the 
home. 

59
00:02:45,560 --> 00:02:48,760
Children primarily learn their 
attitudes about money from their

60
00:02:48,760 --> 00:02:49,840
parents. 
And you've seen it. 

61
00:02:49,840 --> 00:02:53,360
You know, families that that 
charge themselves into deep debt

62
00:02:53,360 --> 00:02:57,760
often see that not that debt, 
but new debt perpetuated in the 

63
00:02:57,760 --> 00:03:00,840
next generation because that's 
all they ever saw their parents 

64
00:03:00,840 --> 00:03:04,120
do is live in debt. 
And so, you know, even though 

65
00:03:04,120 --> 00:03:06,440
they go out and they get a good 
job, next thing you know, they 

66
00:03:06,440 --> 00:03:09,800
are in deep debt on credit cards
and all kinds of other things 

67
00:03:09,800 --> 00:03:11,480
because that's what they've seen
their parents do. 

68
00:03:11,920 --> 00:03:14,320
And, and a lot of other things. 
You know, families that are 

69
00:03:14,320 --> 00:03:19,000
inconsistent in giving to the 
Lord and to his work and to 

70
00:03:19,000 --> 00:03:22,840
other people often see those 
similar inconsistencies in the 

71
00:03:22,840 --> 00:03:26,280
next generation because they're 
learning from you how to give. 

72
00:03:26,440 --> 00:03:29,440
They're learning from you what 
their principles of giving 

73
00:03:29,440 --> 00:03:31,920
should be. 
It's because of the habits of 

74
00:03:31,920 --> 00:03:35,000
stewardship, whether they be 
generous or stingy, whether they

75
00:03:35,000 --> 00:03:38,840
be frugal or wasteful, whether 
they be budgeting or reckless, 

76
00:03:39,320 --> 00:03:41,840
when it comes to those things, 
those things tend to be learned 

77
00:03:41,840 --> 00:03:44,480
in the home. 
And so my, my, my point here is 

78
00:03:44,480 --> 00:03:48,240
that it's very important for us 
as parents to make sure that we 

79
00:03:48,400 --> 00:03:50,960
are handling our money the 
correct way if we're going to 

80
00:03:50,960 --> 00:03:53,560
teach our children to handle 
their money the correct way. 

81
00:03:53,560 --> 00:03:55,960
Because number one, it's very 
hard to teach them something you

82
00:03:55,960 --> 00:03:58,120
don't know. 
But #2 it's very hard to model 

83
00:03:58,120 --> 00:04:01,120
something for them if you're not
doing it yourself, right? 

84
00:04:01,120 --> 00:04:04,320
So you don't have to be wealthy 
to be able to handle your money 

85
00:04:04,320 --> 00:04:06,560
the right way. 
You don't have to be wealthy to 

86
00:04:06,560 --> 00:04:08,760
be able to have enough money to 
do the things that you want to 

87
00:04:08,760 --> 00:04:10,200
do. 
You just have to know how to 

88
00:04:10,200 --> 00:04:13,640
handle your money. 
And you know, if, if parents 

89
00:04:13,640 --> 00:04:16,399
don't intentionally teach those 
different habits to their 

90
00:04:16,399 --> 00:04:20,440
children, they're going to copy 
what you're doing anyway, even 

91
00:04:20,440 --> 00:04:23,400
if you're not saying this is 
what don't do what I do, do what

92
00:04:23,400 --> 00:04:25,000
I'm telling you to do. 
And how many times have you 

93
00:04:25,000 --> 00:04:27,280
heard parents say that maybe not
with money, maybe with other 

94
00:04:27,280 --> 00:04:29,600
things. 
Do as I say, not as I do. 

95
00:04:29,800 --> 00:04:32,880
But 99% of the time, children 
are going to do as you do, not 

96
00:04:32,880 --> 00:04:36,080
as you say, right? 
So all of us who are parents 

97
00:04:36,080 --> 00:04:39,000
could, could tell of different, 
you know, stewardship mistakes 

98
00:04:39,000 --> 00:04:40,760
that we've made. 
And none of us want to see our 

99
00:04:40,800 --> 00:04:42,240
our children make those same 
mistakes. 

100
00:04:42,240 --> 00:04:44,600
So what are some habits that we 
need to teach our children 

101
00:04:44,600 --> 00:04:47,480
regarding wise financial 
stewardship, or maybe we could 

102
00:04:47,480 --> 00:04:49,920
even say wise financial 
decisions? 

103
00:04:49,920 --> 00:04:53,160
How do we handle our money the 
right way in a way that's 

104
00:04:53,160 --> 00:04:55,520
pleasing to the Lord? 
And by the way, the Bible talks 

105
00:04:55,520 --> 00:04:58,000
a lot about money. 
This is not just this is not 

106
00:04:58,000 --> 00:05:00,600
just some, you know, some hobby 
horse that I have or something 

107
00:05:00,600 --> 00:05:03,800
like that, that that's part of 
being a steward of what God gave

108
00:05:03,800 --> 00:05:05,200
us. 
God gave you money. 

109
00:05:05,400 --> 00:05:07,560
He expects you to steward it in 
the right way. 

110
00:05:08,120 --> 00:05:09,640
God didn't give you a ton of 
money. 

111
00:05:09,680 --> 00:05:11,920
He still expects you to steward 
it in the right way. 

112
00:05:11,920 --> 00:05:14,280
So there's a few things that I 
want to give you tonight. 

113
00:05:14,280 --> 00:05:15,600
Can you turn this down just a 
little bit? 

114
00:05:15,600 --> 00:05:17,800
I feel like I've got an echo 
just a little bit. 

115
00:05:17,800 --> 00:05:22,760
But First Corinthians chapter 
16, number one is to teach 

116
00:05:22,840 --> 00:05:25,360
giving, Teach your children 
giving. 

117
00:05:25,680 --> 00:05:28,400
And again, it's hard to teach 
your kids something that you're 

118
00:05:28,400 --> 00:05:29,920
not doing. 
And that's what all of these 

119
00:05:29,920 --> 00:05:31,640
different things that I'm going 
to talk about tonight. 

120
00:05:31,640 --> 00:05:34,720
And these are probably some 
things that you could even write

121
00:05:34,720 --> 00:05:37,160
down and just make sure that 
you're doing them the right way 

122
00:05:37,160 --> 00:05:38,720
at home. 
But here's what the Bible says 

123
00:05:38,720 --> 00:05:42,560
in First Corinthians chapter 16 
and verse #1 Now concerning the 

124
00:05:42,560 --> 00:05:45,720
collection for the Saints. 
As I have given order to the 

125
00:05:45,720 --> 00:05:48,040
churches of Galatia, Even so do 
ye. 

126
00:05:48,600 --> 00:05:52,920
Upon the first day of the week, 
let everyone of you lay by him 

127
00:05:52,920 --> 00:05:57,080
in store, as God hath prospered 
him, that there be no gatherings

128
00:05:57,080 --> 00:06:01,280
when I come. 
See, generosity begins when a 

129
00:06:01,280 --> 00:06:03,920
child first learns to give to 
the Lord. 

130
00:06:04,600 --> 00:06:07,560
You get a birthday card and you 
get a $10.00 bill and that 

131
00:06:07,560 --> 00:06:12,080
birthday card and $1.00 of that 
belongs to the Lord. $10 is not 

132
00:06:12,080 --> 00:06:14,960
a lot on the grand scheme of 
things. 

133
00:06:15,080 --> 00:06:17,920
It may be a lot of money to a 
child and for them to give a 

134
00:06:17,920 --> 00:06:21,440
dollar away to the offering 
plate, that's a lot to ask of a 

135
00:06:21,440 --> 00:06:22,920
kid. 
But you know what? 

136
00:06:22,920 --> 00:06:26,480
When you teach them to give at a
very young age, it's not hard to

137
00:06:26,480 --> 00:06:29,920
give, right? 
If you automatically know that 

138
00:06:29,920 --> 00:06:33,680
10% at least, of everything that
I make belongs to God, it's not 

139
00:06:33,680 --> 00:06:36,960
hard to give it to Him, right? 
It's not your money in the first

140
00:06:36,960 --> 00:06:41,800
place, it's his money, right? 
We have any that, that, that 10%

141
00:06:41,800 --> 00:06:44,200
off the top that belongs to God.
I don't know what you're getting

142
00:06:44,200 --> 00:06:45,960
upset about. 
It's not even your money in the 

143
00:06:45,960 --> 00:06:47,600
1st place. 
We haven't even started talking 

144
00:06:47,600 --> 00:06:51,000
about your money yet, right? 
That's the, that's the, the 

145
00:06:51,000 --> 00:06:53,520
offerings on top of the tithe, 
right? 

146
00:06:53,520 --> 00:06:56,720
It belongs to God. 
And, and as you, you know, as, 

147
00:06:56,800 --> 00:07:00,400
as your children learn how to 
give, he'll learn first hand 

148
00:07:00,400 --> 00:07:03,480
that giving is better than 
receiving, right? 

149
00:07:03,480 --> 00:07:07,240
Acts chapter 20 and verse #35 I 
have showed you all things, how 

150
00:07:07,240 --> 00:07:10,320
that soul laboring you ought to 
support the weak and to remember

151
00:07:10,320 --> 00:07:13,320
the words of the Lord Jesus, how
he said it is more blessed to 

152
00:07:13,320 --> 00:07:17,680
give than to receive. 
Well, that's a principle that 

153
00:07:17,680 --> 00:07:21,880
Jesus Christ himself gave. 
So if he gave it, don't you 

154
00:07:21,880 --> 00:07:23,960
think it's a principle that 
actually works? 

155
00:07:24,200 --> 00:07:27,640
It is more blessed to give than 
to receive. 

156
00:07:28,200 --> 00:07:32,120
We have it backwards, right? 
It is, this is a consumerist 

157
00:07:32,120 --> 00:07:35,520
culture, and that's why the 
title Cultivating Contentment in

158
00:07:35,520 --> 00:07:38,720
a consumerist culture. 
It's all about what I can get, 

159
00:07:38,720 --> 00:07:42,320
what can I hoard, what can I 
have for me, right? 

160
00:07:42,680 --> 00:07:45,120
And now we're trying to teach 
our kids to give it away. 

161
00:07:45,800 --> 00:07:48,200
It goes against the culture, but
there's a vast majority of 

162
00:07:48,200 --> 00:07:50,800
Christians in America who are 
not giving to the Lord's work. 

163
00:07:51,200 --> 00:07:54,360
And by the way, I'm, I'm, I 
don't know what anybody in this 

164
00:07:54,360 --> 00:07:55,960
church gives. 
I really don't because I'm not 

165
00:07:55,960 --> 00:07:57,160
the one sitting there counting 
the money. 

166
00:07:57,160 --> 00:07:59,280
I know what our offerings are 
every week and that's about it. 

167
00:07:59,760 --> 00:08:02,360
I don't know what you give. 
So when I preach on giving, I'm 

168
00:08:02,360 --> 00:08:04,400
not preaching because I know 
that you're not giving anything.

169
00:08:04,400 --> 00:08:06,200
I'm trying to squeeze something 
out of your pocket. 

170
00:08:06,200 --> 00:08:08,640
All right. 
But I'm saying that when you 

171
00:08:08,640 --> 00:08:12,720
give, God blesses you. 
When you give, it is more 

172
00:08:12,720 --> 00:08:17,240
blessed to give than to receive.
And there's a huge majority, by 

173
00:08:17,240 --> 00:08:20,560
the way, there there's studies 
that, that, that different 

174
00:08:21,440 --> 00:08:23,680
church organizations have done 
that. 

175
00:08:23,680 --> 00:08:29,400
Only 20 to 25% of of churchgoers
actually give in the offering 

176
00:08:29,400 --> 00:08:33,480
plate, 20 to 25%. 
That's not very much, you know, 

177
00:08:33,480 --> 00:08:35,480
and you think that that who 
knows how many people are out 

178
00:08:35,480 --> 00:08:37,880
there making a lot of money that
that wouldn't even, you know, 

179
00:08:37,880 --> 00:08:40,880
wouldn't even bother them if 
they gave, you know, something 

180
00:08:40,880 --> 00:08:42,360
to the Lord. 
But one of the reasons for that 

181
00:08:42,360 --> 00:08:44,320
is the lack of basic spiritual 
discipline. 

182
00:08:44,320 --> 00:08:46,920
And it may be that they were 
never taught how to give as a 

183
00:08:46,920 --> 00:08:48,440
child. 
I don't know. 

184
00:08:48,440 --> 00:08:50,760
If you don't teach your kids how
to give, they're going to grow 

185
00:08:50,760 --> 00:08:53,520
up stingy and they're not going 
to want to let go of the money 

186
00:08:53,520 --> 00:08:56,600
that they have. 
So if you as a parent believe 

187
00:08:56,600 --> 00:08:58,920
it's a RIP off to give, then 
your kids are going to sense 

188
00:08:58,920 --> 00:09:02,040
that, right? 
Oh man, I got to put this money 

189
00:09:02,040 --> 00:09:04,560
in the offering plate again. 
Could you imagine what we could 

190
00:09:04,560 --> 00:09:07,720
have if we just didn't have to 
give to the Lord, right? 

191
00:09:07,920 --> 00:09:09,960
That's the attitude that that 
some people have. 

192
00:09:10,280 --> 00:09:12,240
And guess what? 
Your kids pick up on that? 

193
00:09:12,400 --> 00:09:14,560
Well, I want to have the stuff 
that they don't have. 

194
00:09:14,560 --> 00:09:17,320
So I guess I'm just not going to
give to the Lord, right? 

195
00:09:17,520 --> 00:09:19,640
If that's your mindset, then 
you're never going to teach your

196
00:09:19,640 --> 00:09:21,520
children the stewardship 
principles. 

197
00:09:21,520 --> 00:09:23,360
That would be one of the 
greatest blessings that they 

198
00:09:23,360 --> 00:09:24,880
could carry into their adult 
lives. 

199
00:09:25,240 --> 00:09:28,920
If your kids grow up learning 
how and knowing how to give to 

200
00:09:28,960 --> 00:09:33,560
the Lord, God blesses those who 
give. 

201
00:09:34,520 --> 00:09:37,880
And I've seen it first hand over
and over and over and over in my

202
00:09:37,880 --> 00:09:39,800
own life. 
And I've heard so many stories 

203
00:09:39,800 --> 00:09:42,720
of people who just decided that 
they were going to give to the 

204
00:09:42,720 --> 00:09:45,680
Lord and God bless them because 
of it, right? 

205
00:09:45,680 --> 00:09:49,600
We don't give just to receive, 
but God promises that when you 

206
00:09:49,600 --> 00:09:53,600
give, you will receive. 
That's a wonderful principle. 

207
00:09:53,600 --> 00:09:56,760
Teach your children the promises
that God gives to those who are 

208
00:09:56,760 --> 00:09:58,520
faithful to give. 
Fact, turn over to Proverbs 

209
00:09:58,520 --> 00:09:59,960
chapter 3. 
I got a couple verses in 

210
00:09:59,960 --> 00:10:02,440
Proverbs, so it'll be helpful 
for you to turn over there. 

211
00:10:02,440 --> 00:10:07,360
Proverbs chapter 3. 
And again, I told you that 

212
00:10:07,360 --> 00:10:11,480
there's many, many verses in the
Bible that talk about money and 

213
00:10:11,480 --> 00:10:14,360
talk about giving. 
So this is not just, it's not 

214
00:10:14,360 --> 00:10:16,240
one verse. 
And we pull it out and hammer it

215
00:10:16,240 --> 00:10:18,400
and hammer it and hammer it. 
There's a lot of verses in the 

216
00:10:18,400 --> 00:10:21,200
Bible that talk about giving, 
and here's one of them. 

217
00:10:21,200 --> 00:10:25,200
Proverbs, chapter 3 and verse #9
Honor the Lord with thy 

218
00:10:25,200 --> 00:10:28,720
substance, and with the first 
fruits of all thine increase. 

219
00:10:28,760 --> 00:10:31,760
Verse 10. 
So shall thy barns be filled 

220
00:10:31,760 --> 00:10:35,480
with plenty, and thy presses 
shall burst out with new wine. 

221
00:10:36,400 --> 00:10:39,240
That's the give and receive 
principle, right? 

222
00:10:39,560 --> 00:10:42,440
Oh, and this the, there's a 
prosperity gospel out there that

223
00:10:42,440 --> 00:10:45,440
says, you know, you plant a 
little seed and God's going to 

224
00:10:45,440 --> 00:10:49,120
give you a great crop. 
I'm, I'm trying to buy this new 

225
00:10:49,120 --> 00:10:51,120
airplane. 
So you need to plant that seed a

226
00:10:51,120 --> 00:10:54,160
little bit bigger and in a few 
more places, right? 

227
00:10:54,160 --> 00:10:56,000
And God's going to bless you for
giving. 

228
00:10:56,160 --> 00:10:58,280
That's not, that's not what this
is talking about, right? 

229
00:10:58,280 --> 00:11:00,000
This is not the prosperity 
gospel. 

230
00:11:00,200 --> 00:11:03,160
But what the Bible's saying here
is honor the Lord you give to 

231
00:11:03,160 --> 00:11:07,160
him, and God will make sure that
you are taken care of, right? 

232
00:11:07,560 --> 00:11:11,240
So teach giving #2 teach 
budgeting. 

233
00:11:11,640 --> 00:11:15,240
Proverbs chapter 27. 
Turn over there, Proverbs 

234
00:11:15,240 --> 00:11:17,400
chapter 27. 
Now, the Bible doesn't 

235
00:11:17,400 --> 00:11:22,440
specifically give us the steps, 
if you will, to set up a budget,

236
00:11:23,280 --> 00:11:26,600
but it sure does speak a whole 
lot about being a responsible 

237
00:11:26,600 --> 00:11:30,320
steward and handling your 
finances in a godly way. 

238
00:11:31,280 --> 00:11:34,360
And really, the only way that 
you are going to be responsible 

239
00:11:34,360 --> 00:11:35,920
with your money is if you set up
a budget. 

240
00:11:35,920 --> 00:11:39,040
Now, I suppose if you have a 
billion dollars, you probably 

241
00:11:39,040 --> 00:11:40,960
don't need a budget because you 
can just go buy whatever you 

242
00:11:40,960 --> 00:11:42,160
want. 
It doesn't matter, right? 

243
00:11:42,680 --> 00:11:44,800
But anything less than a 
billion, you probably need to 

244
00:11:44,800 --> 00:11:47,640
have a budget set up. 
And if you're a secret 

245
00:11:47,640 --> 00:11:49,840
billionaire, I need to talk to 
you after the service. 

246
00:11:49,840 --> 00:11:52,920
We got some things we're trying 
to accomplish here, but Proverbs

247
00:11:52,920 --> 00:11:55,680
chapter 27 and verse #23 the 
Bible says this. 

248
00:11:55,680 --> 00:11:59,800
Be thou diligent to know the 
state of life flocks and look 

249
00:11:59,800 --> 00:12:04,440
well to thy herds. 
Well, that's not exactly, you 

250
00:12:04,440 --> 00:12:07,640
know, a budget, but it it sure 
is paying attention to what you 

251
00:12:07,640 --> 00:12:10,000
have and where it's going and 
how it's doing right. 

252
00:12:10,520 --> 00:12:15,640
A budget is a is a vital tool in
financial planning and in wise 

253
00:12:15,640 --> 00:12:17,040
spending. 
In fact, turn over to Province 

254
00:12:17,040 --> 00:12:25,080
23 I I'm going to do at some 
point a specific class and I may

255
00:12:25,080 --> 00:12:26,880
just do it on a Tuesday night or
something. 

256
00:12:26,880 --> 00:12:30,160
But on how to set up a budget. 
But I'm going to give you a 

257
00:12:30,160 --> 00:12:32,800
couple of the basic things that 
you can start working on tonight

258
00:12:33,920 --> 00:12:37,200
that that will help you to start
going in the direction of 

259
00:12:37,200 --> 00:12:41,080
setting up a budget. 
But Proverbs 23 verse #3 be not 

260
00:12:41,080 --> 00:12:45,240
desirous of his dainties, for 
they are deceitful meat labor 

261
00:12:45,240 --> 00:12:49,400
not to be rich. 
Cease from thine own wisdom. 

262
00:12:49,480 --> 00:12:53,200
Turn over to Luke chapter 14 
because here's another perfect 

263
00:12:53,200 --> 00:12:56,880
example of just exactly what the
Bible is talking about when it 

264
00:12:56,880 --> 00:12:59,760
comes to learning how to budget 
and learning how to plan with 

265
00:12:59,760 --> 00:13:03,160
your money right. 
If you don't know where your 

266
00:13:03,160 --> 00:13:07,120
money is going, the chances are 
it's going and it's not coming 

267
00:13:07,120 --> 00:13:10,520
back, right? 
Riches take make themselves 

268
00:13:10,520 --> 00:13:13,560
wings as wings and fly away as 
an eagle toward heaven. 

269
00:13:13,720 --> 00:13:15,960
If you don't have a budget, 
chances are your money is taking

270
00:13:15,960 --> 00:13:18,480
wings and it's just going and 
you're like, I don't know why I 

271
00:13:18,480 --> 00:13:21,080
owe on everything and I don't 
know why I never have any money 

272
00:13:21,080 --> 00:13:23,480
and I don't know why at the end 
of the month I can't pay my 

273
00:13:23,480 --> 00:13:25,000
bills. 
I'm making a decent amount of 

274
00:13:25,000 --> 00:13:26,840
money. 
Why can't I pay my bills? 

275
00:13:27,160 --> 00:13:29,040
Well, if you don't have a 
budget, you have no idea where 

276
00:13:29,040 --> 00:13:31,360
your money is going. 
That's that's probably a good 

277
00:13:31,360 --> 00:13:34,640
reason why. 
So Luke chapter 14 and verse #28

278
00:13:35,720 --> 00:13:38,920
for which of you intending to 
build a tower sitteth not down 

279
00:13:38,920 --> 00:13:43,320
1st and counteth the cost 
whether he have sufficient to 

280
00:13:43,320 --> 00:13:46,640
finish it, lest happily after he
has laid the foundation and is 

281
00:13:46,640 --> 00:13:49,600
not able to finish it all that 
behold it begin to mock him 

282
00:13:49,600 --> 00:13:52,080
saying this man began to build 
and was not able to finish. 

283
00:13:52,320 --> 00:13:54,920
That's a that's a man that did 
not budget his money. 

284
00:13:55,600 --> 00:13:57,600
He started building the house 
and he didn't even have the 

285
00:13:57,600 --> 00:14:00,480
money to finish it. 
And now you become a laughing 

286
00:14:00,480 --> 00:14:02,560
stock because you got a 
foundation there and you don't 

287
00:14:02,560 --> 00:14:05,160
even have enough money to put a 
house on it, right? 

288
00:14:05,320 --> 00:14:06,760
That's what Jesus is saying 
here. 

289
00:14:06,880 --> 00:14:09,720
What you view intending to build
a tower doesn't sit down and 

290
00:14:09,720 --> 00:14:12,040
count the cost. 
First, figure it out, right? 

291
00:14:12,480 --> 00:14:15,520
So let me give you a couple 
principles here, a couple things

292
00:14:15,520 --> 00:14:17,680
and not even principles, just a 
couple practical things. 

293
00:14:17,680 --> 00:14:19,360
And I don't even have any of 
these written down. 

294
00:14:19,360 --> 00:14:21,760
This is just, this is what I do.
This is what we do in our 

295
00:14:21,760 --> 00:14:24,800
family, what I've been doing for
probably 25 or 30 years. 

296
00:14:25,440 --> 00:14:28,120
My dad got me started on this 
when I was when I was young. 

297
00:14:28,120 --> 00:14:30,920
And I'm glad that he did because
we started, we started budgets 

298
00:14:30,920 --> 00:14:32,800
early and we have an envelope 
system. 

299
00:14:33,840 --> 00:14:36,840
We cash every check and I put 
cash in every envelope. 

300
00:14:36,840 --> 00:14:39,160
And that may not be 100% 
practical for everybody, 

301
00:14:39,400 --> 00:14:40,760
especially if you make a lot of 
money. 

302
00:14:40,760 --> 00:14:43,680
It may be a lot more cash than 
what you can deal with, but 

303
00:14:44,640 --> 00:14:48,880
there is there what, what you 
need to do is sit down and write

304
00:14:48,880 --> 00:14:52,360
a list of everything that you 
have as an expense every month, 

305
00:14:52,960 --> 00:14:55,160
right? 
And 1st off, you need to write 

306
00:14:55,160 --> 00:14:58,160
down your monthly expenses. 
So what do you have? 

307
00:14:58,200 --> 00:15:00,800
What do you have every month? 
Well, normally most people have 

308
00:15:01,120 --> 00:15:04,120
a mortgage, right? 
You got to pay your house, you 

309
00:15:04,120 --> 00:15:06,680
got to pay for your house. 
So write down what your monthly 

310
00:15:06,680 --> 00:15:08,040
payment is. 
The nice thing is that one 

311
00:15:08,040 --> 00:15:10,600
rarely changes. 
It doesn't fluctuate very much. 

312
00:15:10,600 --> 00:15:13,160
So write that down. 
How much is that every month? 

313
00:15:13,960 --> 00:15:16,080
And then what else? 
What are other things that you 

314
00:15:16,080 --> 00:15:19,320
have that are expenses that you 
that are pretty much close to 

315
00:15:19,320 --> 00:15:22,640
the same every month? 
Utilities, right? 

316
00:15:22,640 --> 00:15:27,760
So your electric and gas if you 
have it, water if you have it. 

317
00:15:27,760 --> 00:15:29,080
What else? 
What are other things? 

318
00:15:29,080 --> 00:15:32,640
What have student loans? 
Student loans, There you go. 

319
00:15:33,040 --> 00:15:36,160
That's for some people, right? 
I graduated college with no 

320
00:15:36,160 --> 00:15:38,200
student loans because I had a 
budget. 

321
00:15:38,920 --> 00:15:42,120
No, I'm just kidding. 
But but what are the things that

322
00:15:42,120 --> 00:15:43,280
you have? 
Student loans is a good one, 

323
00:15:43,320 --> 00:15:44,800
right? 
Because if you owe on a student 

324
00:15:44,800 --> 00:15:46,680
loan, then you still have to pay
for it, right? 

325
00:15:46,680 --> 00:15:48,240
What else? 
What are other things that you 

326
00:15:48,240 --> 00:15:51,840
have as an expense every month? 
Groceries, right? 

327
00:15:51,840 --> 00:15:54,840
If you have an idea of how much 
your groceries are, write it 

328
00:15:54,840 --> 00:15:56,680
down, right? 
What are your expenses, Brother 

329
00:15:56,680 --> 00:15:59,560
Ryan Yes, that's a big one, 
right? 

330
00:15:59,680 --> 00:16:03,160
If you have a vehicle and you're
paying on that vehicle right 

331
00:16:03,440 --> 00:16:06,000
now, you should not be paying on
a vehicle for the rest of your 

332
00:16:06,000 --> 00:16:08,160
life. 
Because if you handle your money

333
00:16:08,160 --> 00:16:10,400
the right way, then eventually 
you should get to the point 

334
00:16:10,400 --> 00:16:13,080
where you can pay for that 
vehicle cash and now you're 

335
00:16:13,080 --> 00:16:16,640
saving up to buy the next one, 
not paying every month of 

336
00:16:16,640 --> 00:16:19,400
payment for that, right. 
So those are all things that 

337
00:16:19,400 --> 00:16:21,280
you're working toward. 
But what you need to do is and 

338
00:16:21,280 --> 00:16:22,480
everybody's are going to be 
different. 

339
00:16:22,480 --> 00:16:24,680
I'm just trying to give you a 
few examples of different things

340
00:16:24,680 --> 00:16:27,120
that you would have as as an 
expense every single month. 

341
00:16:27,400 --> 00:16:30,280
You need to sit down and write 
out what all of your expenses 

342
00:16:30,280 --> 00:16:32,240
are. 
These are things that I have to 

343
00:16:32,240 --> 00:16:34,720
pay for every month. 
Because what you want to be able

344
00:16:34,720 --> 00:16:39,080
to do is, wouldn't it be nice if
at the end of the month the 

345
00:16:39,880 --> 00:16:42,480
electric bill came due and it 
was $250? 

346
00:16:42,480 --> 00:16:45,400
And instead of saying, man, I 
hope I have $250 in my bank 

347
00:16:45,400 --> 00:16:47,880
account to pay it this month. 
You went to your envelope and 

348
00:16:47,880 --> 00:16:52,080
you said there's the $250 that 
goes into the electric bill and 

349
00:16:52,080 --> 00:16:54,120
you can put it in the bank and 
you can make your payment, 

350
00:16:54,280 --> 00:16:55,920
right? 
By the way, there's a lot of 

351
00:16:55,920 --> 00:16:57,840
other things that you can do to 
save money as well. 

352
00:16:58,440 --> 00:17:01,400
Get a credit card and put it on 
a credit card and just pay it 

353
00:17:01,400 --> 00:17:04,640
off at the end of every month. 
If you're going to pay me to use

354
00:17:04,640 --> 00:17:06,880
it, I'll use it right. 
If you're going to give me 

355
00:17:06,880 --> 00:17:11,920
miles, if you're going to give 
me cash back, I, I don't think 

356
00:17:11,920 --> 00:17:15,440
I've ever, and my wife can 
correct me, but I, I, I don't 

357
00:17:15,440 --> 00:17:20,119
think we have ever paid a late 
payment on a credit card or, or 

358
00:17:20,119 --> 00:17:22,720
one month of interest on a 
credit card. 

359
00:17:23,520 --> 00:17:27,000
Have we never because, but, but 
we, I have, I have 3 or 4 

360
00:17:27,000 --> 00:17:30,040
different credit cards, but 
depending on what it is and how 

361
00:17:30,040 --> 00:17:32,760
much it is and how much you're 
going to pay me to use your 

362
00:17:32,760 --> 00:17:35,240
card, I'll, I'll use your card 
if you're going to give me money

363
00:17:35,240 --> 00:17:37,960
back for it, I've got the money 
in the envelope, right? 

364
00:17:37,960 --> 00:17:40,120
I'm not, I'm not buying 
something with money that I 

365
00:17:40,120 --> 00:17:42,360
don't have. 
I'm buying something with buying

366
00:17:42,360 --> 00:17:44,960
with money that I do have. 
And so at the end of the month, 

367
00:17:45,160 --> 00:17:48,600
when that bill comes due, I just
go and I take everything out of 

368
00:17:48,600 --> 00:17:51,760
the envelope and I put it into 
the bank and I pay that credit 

369
00:17:51,760 --> 00:17:54,360
card bill off, no interest, 
right? 

370
00:17:54,560 --> 00:17:56,600
And you know what happens that 
builds your credit. 

371
00:17:56,800 --> 00:17:59,000
And then you know what happens? 
You start getting all kinds of 

372
00:17:59,000 --> 00:18:03,920
0% interest credit cards and 
they want you to be a customer 

373
00:18:03,920 --> 00:18:08,840
of theirs because you are a, a, 
a, a really good customer right 

374
00:18:09,040 --> 00:18:10,160
now. 
There's, there's a lot of 

375
00:18:10,160 --> 00:18:11,480
different things that go along 
with that. 

376
00:18:11,480 --> 00:18:13,800
And I, and if you're not, if 
you're not disciplined in your 

377
00:18:13,800 --> 00:18:16,320
spending, then I would, I would 
say don't get a credit card 

378
00:18:16,320 --> 00:18:18,800
because next thing you know, 
you're going to have a 25% of 

379
00:18:19,080 --> 00:18:21,360
interest rate on it that you're 
paying on top of everything 

380
00:18:21,360 --> 00:18:22,520
else. 
And almost everything that 

381
00:18:22,520 --> 00:18:24,120
you're paying is going to be 
interest. 

382
00:18:24,120 --> 00:18:26,160
It's not going to be going 
toward your, your expenses. 

383
00:18:26,440 --> 00:18:28,560
So if you're not disciplined, 
don't have a credit card and 

384
00:18:28,560 --> 00:18:30,960
don't do that. 
But, but if you have a budget 

385
00:18:30,960 --> 00:18:33,360
set up and you've been doing it 
for a while and you're used to 

386
00:18:33,360 --> 00:18:37,560
how everything works and they're
going to give you cash back to 

387
00:18:37,560 --> 00:18:40,480
use your to use their card, why 
not use it, right? 

388
00:18:40,480 --> 00:18:43,200
If they're going to give you 
airplane miles to use their 

389
00:18:43,200 --> 00:18:46,400
card, why not use it pay it off 
at the end of every month, 

390
00:18:46,560 --> 00:18:48,320
right? 
But that's the first step that 

391
00:18:48,320 --> 00:18:51,160
you need to do when it comes to 
setting up a budget is figure 

392
00:18:51,160 --> 00:18:52,680
out what all of your expenses 
are. 

393
00:18:53,040 --> 00:18:57,960
And then every single dollar of 
your paycheck needs to have a 

394
00:18:57,960 --> 00:19:00,160
name, if you will. 
I think that's how Dave Ramsey 

395
00:19:00,160 --> 00:19:01,280
says it. 
I haven't looked at Dave 

396
00:19:01,280 --> 00:19:04,040
Ramsey's system in a long time, 
but but Dave Ramsey does a 

397
00:19:04,040 --> 00:19:07,000
pretty good job with the 
financial Peace University and 

398
00:19:07,000 --> 00:19:08,600
all those things. 
He's a financial guy. 

399
00:19:08,600 --> 00:19:11,680
He's a Christian guy that that 
helps people get out of debt and

400
00:19:11,680 --> 00:19:13,360
everything else. 
But one of the things that he 

401
00:19:13,360 --> 00:19:16,640
says is make sure that every 
dollar has an right when you get

402
00:19:16,640 --> 00:19:19,920
your paycheck every month. 
You don't say, all right, I got 

403
00:19:19,920 --> 00:19:23,120
$600.00 and I can just go spend 
and do whatever I want to with 

404
00:19:24,360 --> 00:19:27,520
oh stink, I've got bills to pay 
and no money, right? 

405
00:19:27,960 --> 00:19:31,800
That $600.00 comes in and 
whether it's a percentage that 

406
00:19:31,800 --> 00:19:33,600
you do it on or whether it's a, 
an amount. 

407
00:19:33,600 --> 00:19:36,880
OK, so let's just say that your 
mortgage payment is $1000 a 

408
00:19:36,880 --> 00:19:38,520
month will make it really easy, 
right? 

409
00:19:38,920 --> 00:19:41,080
Your mortgage payment is $1000 a
month. 

410
00:19:41,480 --> 00:19:44,680
Easiest way to do it is to split
the month up in 4 weeks, right? 

411
00:19:44,720 --> 00:19:49,680
Obviously there's 52 weeks in a 
year, 4 * 12 is 48. 

412
00:19:49,680 --> 00:19:52,400
So at the end of the year you 
have an extra 4 weeks in there 

413
00:19:52,400 --> 00:19:55,080
that that just are extra money 
that goes into it unless you're 

414
00:19:55,080 --> 00:19:58,120
really trying to pinch pennies 
and then you can do it on 52 

415
00:19:58,120 --> 00:19:59,360
weeks. 
But if you're trying to do it. 

416
00:20:00,040 --> 00:20:04,000
If you're doing a month, that's 
four weeks, then a $1000 

417
00:20:04,000 --> 00:20:07,440
mortgage payment means that how 
much per week has to go into 

418
00:20:07,440 --> 00:20:11,960
that envelope, $250 and guess 
what you're going to have at the

419
00:20:11,960 --> 00:20:16,160
end of that month, $1000 in an 
envelope that you can put into 

420
00:20:16,160 --> 00:20:18,920
the bank and make your payment 
or send it in as a check or 

421
00:20:18,920 --> 00:20:21,160
whatever, however you want to 
pay that, right? 

422
00:20:21,400 --> 00:20:23,920
But the same thing with your 
electric bill and the same thing

423
00:20:23,920 --> 00:20:26,840
with your groceries and the same
thing with with all of the 

424
00:20:26,840 --> 00:20:30,040
expenses that you have. 
There is such a piece. 

425
00:20:30,040 --> 00:20:32,840
And by the way, the first 
envelope that you should have is

426
00:20:32,840 --> 00:20:36,760
your tithing envelope, right? 
10% automatically 10%. 

427
00:20:36,760 --> 00:20:39,280
And if you want to give more and
you should give more than, then 

428
00:20:39,280 --> 00:20:41,800
put more of that in there and 
watch how all the rest of the 

429
00:20:41,800 --> 00:20:45,120
envelopes grow because you're 
taking care of God's work first,

430
00:20:45,240 --> 00:20:46,960
right? 
Most people when they start 

431
00:20:46,960 --> 00:20:48,880
realizing that they're getting a
little bit tight, they say, 

432
00:20:48,880 --> 00:20:50,880
well, first envelope needs to go
tithing. 

433
00:20:50,920 --> 00:20:53,560
RIP that up, throw it out. 
When I can start affording it 

434
00:20:53,560 --> 00:20:55,000
again, I'll start putting money 
in there. 

435
00:20:55,200 --> 00:20:57,720
You're never going to be able to
afford it because if you're not 

436
00:20:57,720 --> 00:21:00,080
given to the Lord's word, God's 
not going to bless you 

437
00:21:00,080 --> 00:21:04,440
financially either, right? 
But having said that, you need 

438
00:21:04,440 --> 00:21:07,960
to figure out how much you need 
to split it up on a four week 

439
00:21:07,960 --> 00:21:11,240
per month, how many what that 
paycheck looks like. 

440
00:21:11,240 --> 00:21:14,000
Now, some, sometimes you have 
people who are self-employed. 

441
00:21:14,400 --> 00:21:17,280
And So what you need to do is do
everything on a percentage 

442
00:21:17,280 --> 00:21:19,920
basis, right? 
I know that my mortgage is 

443
00:21:19,920 --> 00:21:23,760
roughly 20% of my income. 
So I'm going to put 20% of that 

444
00:21:23,760 --> 00:21:28,080
into the, into the mortgage 
payment, whatever it happens to 

445
00:21:28,080 --> 00:21:29,760
be, You got to, you got to 
figure it out. 

446
00:21:29,760 --> 00:21:32,680
Every, everybody is different. 
Every, every situation is 

447
00:21:32,680 --> 00:21:34,440
different. 
But the main thing that you're 

448
00:21:34,440 --> 00:21:37,000
trying to do is figure out what 
are your expenses every month, 

449
00:21:37,240 --> 00:21:40,160
Figure out how much needs to go 
into that envelope every month. 

450
00:21:40,280 --> 00:21:43,400
That's a basic budget, right? 
It's a very, very basic budget. 

451
00:21:43,400 --> 00:21:45,800
But now you, now let's say you 
want to go on vacation. 

452
00:21:45,800 --> 00:21:49,080
You know what most people do? 
Throw it on a credit card. 

453
00:21:49,080 --> 00:21:52,400
We'll figure out how to pay for 
it $4000 later. 

454
00:21:53,320 --> 00:21:55,680
And ten years later, they're 
still paying and they still owe 

455
00:21:55,680 --> 00:21:59,840
$3982 because all they've been 
doing is paying interest for the

456
00:21:59,840 --> 00:22:02,760
last 10 years, right? 
You don't, you don't, you don't 

457
00:22:02,840 --> 00:22:05,360
go on vacation because you feel 
like, all right, let's go on 

458
00:22:05,360 --> 00:22:08,240
vacation and just put it on a 
credit card and we'll figure it 

459
00:22:08,240 --> 00:22:10,080
out. 
No, you go on vacation with 

460
00:22:10,080 --> 00:22:12,120
money that you've saved up for 
vacation. 

461
00:22:12,200 --> 00:22:13,760
How do you save up money for 
vacation? 

462
00:22:13,880 --> 00:22:16,040
You got an envelope for it, 
right? 

463
00:22:16,080 --> 00:22:19,400
And if all you can afford to put
in there is 20 bucks a paycheck,

464
00:22:20,360 --> 00:22:22,160
then you're going to have to 
wait a little while before you 

465
00:22:22,160 --> 00:22:23,480
go on vacation. 
But you know what? 

466
00:22:23,480 --> 00:22:25,920
It's going to feel so good when 
you can go on vacation and it's 

467
00:22:25,920 --> 00:22:29,840
paid for instead of saying, man,
this is great, but this is not 

468
00:22:29,840 --> 00:22:32,040
really that enjoyable because I 
have no idea how I'm going to 

469
00:22:32,040 --> 00:22:34,600
pay for it when I get back. 
But that's what most Americans 

470
00:22:34,600 --> 00:22:36,200
do. 
And that's why most Americans 

471
00:22:36,200 --> 00:22:38,400
live in debt. 
And that's why they that's why 

472
00:22:38,400 --> 00:22:41,560
they have the the financial 
pressure on them constantly 

473
00:22:41,560 --> 00:22:43,520
because they don't know how 
they're going to make their next

474
00:22:43,520 --> 00:22:46,280
payment because they're living 
paycheck to paycheck, because 

475
00:22:46,280 --> 00:22:49,320
they just blow it on whatever 
feels comfortable, right? 

476
00:22:49,320 --> 00:22:53,280
That's what I'm talking talking 
about when I say that we're 

477
00:22:53,280 --> 00:22:57,000
trying to cultivate contentment 
in a consumerist culture. 

478
00:22:57,000 --> 00:23:00,280
A consumerist culture says if it
feels good and you want to do 

479
00:23:00,280 --> 00:23:03,160
it, then you'd go do that, 
right? 

480
00:23:03,160 --> 00:23:05,280
Doesn't matter if you don't have
the money, you'll, you'll figure

481
00:23:05,280 --> 00:23:08,200
it out someday, go into debt, 
you just file for bankruptcy, 

482
00:23:08,200 --> 00:23:10,200
it's fine. 
And then everything goes away 

483
00:23:10,200 --> 00:23:12,680
and you can start all over 
again, right? 

484
00:23:12,680 --> 00:23:15,520
That's the mindset, right? 
But that's not the way that a 

485
00:23:15,520 --> 00:23:18,600
Christian should be handling 
their money in a way that's 

486
00:23:18,600 --> 00:23:22,160
pleasing to the Lord, right? 
And, and, and you don't have to 

487
00:23:22,160 --> 00:23:25,840
be a millionaire to be able to 
pay the, the bills that you 

488
00:23:25,840 --> 00:23:29,320
have, right? 
I, I, I think, and, and I don't 

489
00:23:29,320 --> 00:23:31,080
mean this in a bad way, but I 
think a lot of people would be 

490
00:23:31,080 --> 00:23:33,440
shocked to find out how little I
actually make when it comes to 

491
00:23:33,440 --> 00:23:34,880
my salary. 
But you know what? 

492
00:23:35,040 --> 00:23:36,800
I live fine. 
You know why? 

493
00:23:36,800 --> 00:23:39,960
Because I've got a budget and 
I've had a budget for a long 

494
00:23:39,960 --> 00:23:41,600
time. 
And when you have a budget set 

495
00:23:41,600 --> 00:23:44,040
up, yeah, there are things that 
you would like to do that you 

496
00:23:44,040 --> 00:23:45,200
can't. 
But guess what? 

497
00:23:45,720 --> 00:23:48,760
Save up for it and eventually 
you can, right? 

498
00:23:48,920 --> 00:23:51,360
You don't spend money that you 
don't have. 

499
00:23:52,240 --> 00:23:55,320
Well, you know what? 
Sure would be nice to have all 

500
00:23:55,320 --> 00:23:58,880
new kitchen counters in here. 
And I mean, it's been 10 years 

501
00:23:58,880 --> 00:24:01,320
since we've done anything here. 
Let's go RIP the whole kitchen 

502
00:24:01,320 --> 00:24:06,200
apart and let's just go splurge 
and get what we want, right? 

503
00:24:06,360 --> 00:24:09,400
I'm not picking on you, brother.
If you got the money to do it, 

504
00:24:09,400 --> 00:24:12,560
you got the money to do it. 
I'm just saying, right? 

505
00:24:14,280 --> 00:24:20,560
Oh, oh, oh, oh, finger pointing.
No, that's what I'm saying. 

506
00:24:20,560 --> 00:24:22,320
Hey, listen, if you have the 
money to do it, you got the 

507
00:24:22,320 --> 00:24:24,200
money to do it. 
And if you do it the right way, 

508
00:24:24,200 --> 00:24:26,520
it works, right? 
And if you saved up your money 

509
00:24:26,520 --> 00:24:29,080
and you've worked, and I know 
that they have and saved their 

510
00:24:29,080 --> 00:24:31,320
money up for all of the years 
that they worked and all those 

511
00:24:31,320 --> 00:24:33,680
things and you want a new 
kitchen and you can afford it, 

512
00:24:34,200 --> 00:24:38,640
go get a new kitchen, right? 
But most people are saying, man,

513
00:24:38,880 --> 00:24:41,960
the the neighbors next door just
redid their whole kitchen, and 

514
00:24:42,080 --> 00:24:44,880
man, that sure looks nice. 
These appliances are all five 

515
00:24:44,880 --> 00:24:47,680
years old now. 
And boy, it sure would be nice 

516
00:24:47,680 --> 00:24:49,960
to have all new appliances. 
Let's RIP them out and throw 

517
00:24:49,960 --> 00:24:52,040
them away and go get new ones. 
Right. 

518
00:24:52,480 --> 00:24:55,680
Just put it on the credit card. 
We'll figure out how to do it. 

519
00:24:55,800 --> 00:24:56,680
Yeah. 
Yeah. 

520
00:24:57,120 --> 00:25:01,680
Now, I don't want your junk 
either, but actually they did 

521
00:25:01,680 --> 00:25:04,520
that, that the, the stove and 
the refrigerator back there is 

522
00:25:04,520 --> 00:25:05,840
from Brother Alan, Miss Esther's
house. 

523
00:25:05,840 --> 00:25:08,200
They got new appliances and they
gave it to the church and it, it

524
00:25:08,200 --> 00:25:10,160
worked really well for us 
because they're not, they're not

525
00:25:10,160 --> 00:25:12,000
old. 
But you know, that's, that's 

526
00:25:12,000 --> 00:25:14,000
what, that's that's what most 
people want to do too. 

527
00:25:14,080 --> 00:25:17,280
Hey, pastor, we got a new blah, 
blah, blah. 

528
00:25:17,280 --> 00:25:19,400
Do you want our old one? 
We're getting rid of it. 

529
00:25:19,520 --> 00:25:22,560
You know, most of the time it's 
a piece of junk and you just 

530
00:25:22,560 --> 00:25:24,200
don't want to deal with it. 
That's why you give it to the 

531
00:25:24,200 --> 00:25:25,440
church. 
They'll deal with it. 

532
00:25:25,480 --> 00:25:29,440
You know, I'm, I'm kidding, But 
all I'm saying is when it comes 

533
00:25:29,440 --> 00:25:32,200
to budgeting, you need to teach 
your children to plan with 

534
00:25:32,200 --> 00:25:34,960
wisdom, to plan with purpose, 
and you need to do the same 

535
00:25:34,960 --> 00:25:37,320
thing yourself. 
Teach them to plan ahead and 

536
00:25:37,320 --> 00:25:40,560
save for those large purchases. 
Jackson's had a budget since how

537
00:25:40,560 --> 00:25:43,000
old? 
I don't know, but a long time 

538
00:25:43,000 --> 00:25:46,560
and he's been saving up to buy a
car for a long time and he's 

539
00:25:46,560 --> 00:25:49,240
been putting money into an 
envelope for a long time to save

540
00:25:49,240 --> 00:25:54,240
up to buy a car, right? 
And we have a 2007 Toyota 400 

541
00:25:54,240 --> 00:25:57,760
and 335,000 miles on it. 
And that's what he gets to drive

542
00:25:57,760 --> 00:26:00,640
until he's ready to pay for his 
own car, right? 

543
00:26:01,000 --> 00:26:03,760
But save up for that, right? 
You don't have to have the 

544
00:26:03,760 --> 00:26:06,240
newest and the nicest and the 
best of everything. 

545
00:26:06,760 --> 00:26:08,600
If you can't afford it, you 
can't afford it. 

546
00:26:08,600 --> 00:26:12,000
That is not being a wise steward
of the money that God gave you, 

547
00:26:12,520 --> 00:26:14,400
right? 
So teach them how to put their 

548
00:26:14,400 --> 00:26:17,760
financial income and their 
expenses on paper and to target 

549
00:26:17,760 --> 00:26:21,240
and track their spending, right?
If you know where your money is 

550
00:26:21,240 --> 00:26:23,840
going, then when things get 
tight, you know where you can, 

551
00:26:23,840 --> 00:26:26,640
where you can squeeze the, the 
belt a little bit tighter. 

552
00:26:26,640 --> 00:26:29,600
If you, if you have no idea 
where your money's going or how 

553
00:26:29,600 --> 00:26:32,760
it's leaving or what it's, you 
know where it's flying to when 

554
00:26:32,760 --> 00:26:35,920
it heads out, you're never going
to be able to rein it back in, 

555
00:26:36,560 --> 00:26:38,880
right? 
You ought to have a couple 

556
00:26:38,880 --> 00:26:42,680
months worth of of income. 
So what happens if you lose your

557
00:26:42,680 --> 00:26:46,040
job and now all the sudden you 
don't have a way to make any 

558
00:26:46,040 --> 00:26:48,880
money? 
All right, most people go under 

559
00:26:48,880 --> 00:26:50,920
and they go bankrupt in that 
situation because they are 

560
00:26:50,920 --> 00:26:52,720
literally living paycheck to 
paycheck. 

561
00:26:53,200 --> 00:26:57,600
But if you've got a, a rainy day
fund where you wouldn't expect 

562
00:26:57,600 --> 00:27:01,360
in the dryer to blow up, but it 
blew up and I didn't have a, a 

563
00:27:01,360 --> 00:27:05,320
budget envelope for the dryer, 
but I do have $1000 sitting 

564
00:27:05,320 --> 00:27:07,360
aside in an envelope for 
emergencies. 

565
00:27:07,360 --> 00:27:11,120
And I can just go use that and 
I'll fill that back in over the 

566
00:27:11,120 --> 00:27:14,400
next few paychecks, right? 
That's, that's how you handle 

567
00:27:14,400 --> 00:27:16,200
your money wisely. 
And that's how you keep from 

568
00:27:16,200 --> 00:27:19,560
going broke or going bankrupt 
when things don't go the way 

569
00:27:19,560 --> 00:27:25,320
that you expected it to go. 
So teach giving, teach budgeting

570
00:27:25,320 --> 00:27:28,480
#3 and this kind of goes right 
along with that because you 

571
00:27:28,480 --> 00:27:30,000
ought to have an envelope for 
this as well. 

572
00:27:30,000 --> 00:27:33,160
But teach saving. 
Turn over to Proverbs 21. 

573
00:27:36,120 --> 00:27:38,760
See, Americans today don't know 
how to save anything. 

574
00:27:38,760 --> 00:27:40,680
There was a, there was a study 
that was done that said that 

575
00:27:40,680 --> 00:27:42,720
almost 20% of Americans save 
nothing. 

576
00:27:42,720 --> 00:27:46,240
And I think it's higher than 
that, but 20% of Americans save 

577
00:27:46,240 --> 00:27:49,920
nothing from year to year. 
And another 28% save only very 

578
00:27:49,920 --> 00:27:53,520
small amounts of their income. 
And, and surprisingly, the, the,

579
00:27:53,640 --> 00:27:56,480
the ones who save the most are 
not from the highest income 

580
00:27:56,480 --> 00:27:58,680
households. 
You'd be surprised. 

581
00:27:58,760 --> 00:28:02,520
I mean, remember what happened 
in 2008 and all these people who

582
00:28:02,520 --> 00:28:05,920
were in multi $1,000,000 houses 
were the ones who had to bail 

583
00:28:05,920 --> 00:28:10,160
out and leave it, go into 
foreclosure, right? 

584
00:28:10,360 --> 00:28:13,960
They're working good jobs, 
they're making plenty of money 

585
00:28:13,960 --> 00:28:16,120
and they're the ones that had to
foreclose in their houses 

586
00:28:16,680 --> 00:28:18,480
because they're living paycheck 
to paycheck because they're 

587
00:28:18,480 --> 00:28:21,080
living at the, at the, at the 
edge of their means. 

588
00:28:21,080 --> 00:28:23,360
And they're spending every dime 
that they make. 

589
00:28:23,360 --> 00:28:26,720
And it's like, you know, oh, I'm
glad I got this money in there 

590
00:28:26,720 --> 00:28:28,360
because I got to pay that. 
And then I'm going to use this 

591
00:28:28,360 --> 00:28:29,880
to pay that. 
I'm going to use this to pay 

592
00:28:29,880 --> 00:28:31,120
that. 
And they're just shuffling money

593
00:28:31,120 --> 00:28:32,880
around because that's the only 
way they can keep their heads 

594
00:28:32,880 --> 00:28:35,920
above water, right? 
Not saving a dime. 

595
00:28:36,240 --> 00:28:39,560
You know, maybe they have a, 
their company is, is paying them

596
00:28:39,880 --> 00:28:41,560
four O 1K for them or something 
like that. 

597
00:28:41,560 --> 00:28:44,680
And that's the only hope that 
they have for retirement, right.

598
00:28:44,680 --> 00:28:49,360
So somebody and so so they did 
this study and one of the 

599
00:28:49,360 --> 00:28:51,960
analysts in that study said 
saving is not a function of 

600
00:28:51,960 --> 00:28:54,640
income, It's a function of 
having the ability to live 

601
00:28:54,640 --> 00:28:57,720
within your means and save 
consistently, right? 

602
00:28:57,960 --> 00:29:00,200
Just because you make a lot of 
money doesn't mean that you're 

603
00:29:00,200 --> 00:29:02,360
going to be wise with that money
and doesn't mean that you're 

604
00:29:02,360 --> 00:29:03,640
going to have a lot of money in 
savings. 

605
00:29:04,000 --> 00:29:07,000
And just because you don't make 
a lot doesn't mean that you 

606
00:29:07,000 --> 00:29:10,760
can't live below your means and 
save up money, right? 

607
00:29:10,760 --> 00:29:14,800
So the Bible says this in 
Proverbs 21 and verse #20 there 

608
00:29:14,800 --> 00:29:18,280
is treasure to be desired and 
oil in the dwelling of the wise.

609
00:29:18,280 --> 00:29:23,400
But a foolish man spendeth it 
up, right? 

610
00:29:23,760 --> 00:29:25,280
Similar to giving in a lot of 
ways. 

611
00:29:25,280 --> 00:29:29,760
But a commitment to save might 
require sacrifices along the 

612
00:29:29,760 --> 00:29:32,840
way. 
Now, by the way, I think there 

613
00:29:32,840 --> 00:29:36,480
is, I think there's a danger in 
this as well. 

614
00:29:37,720 --> 00:29:41,520
You can save so much and pinch 
pennies so much that you miss 

615
00:29:41,520 --> 00:29:43,560
out on opportunities that you 
could have, especially with your

616
00:29:43,560 --> 00:29:45,720
kids when they're growing up, 
right? 

617
00:29:46,880 --> 00:29:51,320
You don't have to spend a lot of
money to spend some money and 

618
00:29:51,320 --> 00:29:55,280
enjoy some time with your kids 
and doing things that are going 

619
00:29:55,280 --> 00:29:57,120
to make memories. 
You cannot make memories when 

620
00:29:57,120 --> 00:30:00,960
your kids are gone, right? 
You only can make memories with 

621
00:30:00,960 --> 00:30:02,680
your kids while they're in the 
home. 

622
00:30:03,080 --> 00:30:06,200
And unfortunately, it's usually 
when most people have the least 

623
00:30:06,200 --> 00:30:09,360
amount of money, right? 
You start to finally get on a 

624
00:30:09,360 --> 00:30:12,720
good sound financial footing 
about the time that all the kids

625
00:30:12,720 --> 00:30:14,920
leave, right? 
That's usually the way that it 

626
00:30:14,920 --> 00:30:16,080
goes. 
And you have plenty of money. 

627
00:30:16,080 --> 00:30:19,280
And so now when they come into 
town once a year, you can afford

628
00:30:19,280 --> 00:30:21,000
to take everybody out to eat and
pay for it. 

629
00:30:21,760 --> 00:30:24,640
And that's nice. 
But what about all the 

630
00:30:24,640 --> 00:30:27,040
opportunities that you had when 
they were growing up to take 

631
00:30:27,040 --> 00:30:30,600
them out and do things right? 
Well, hey, I'm comfortable. 

632
00:30:30,600 --> 00:30:34,520
I got, I got $1.5 million in the
bank, but nobody ever comes 

633
00:30:34,520 --> 00:30:37,040
around to do anything with it, 
right? 

634
00:30:37,040 --> 00:30:39,680
And I suppose one day my kids 
will have it and they'll enjoy 

635
00:30:39,680 --> 00:30:41,280
it. 
But I missed out on all the 

636
00:30:41,280 --> 00:30:44,360
memories, right? 
Saving is important and you 

637
00:30:44,360 --> 00:30:49,040
should be saving, but don't save
so much that you forget the 

638
00:30:49,040 --> 00:30:51,360
opportunities that you have in 
front of you right now. 

639
00:30:51,680 --> 00:30:56,760
To go on a vacation doesn't have
to be expensive to go to this 

640
00:30:56,760 --> 00:30:59,400
place and do this thing or go to
that place and do that thing. 

641
00:31:00,280 --> 00:31:02,720
Don't save so much of your money
that you miss out on those 

642
00:31:02,720 --> 00:31:05,040
opportunities. 
But it's financial skill that 

643
00:31:05,040 --> 00:31:07,920
children need to learn and it'll
serve them well in their adult 

644
00:31:07,920 --> 00:31:09,560
lives if you teach them how to 
save. 

645
00:31:10,040 --> 00:31:12,800
Turn over to Luke chapter 15. 
Because the other thing, the 

646
00:31:12,800 --> 00:31:15,640
fourth thing that you need to 
teach them how to do is to spend

647
00:31:16,200 --> 00:31:20,520
and to teach them how to spend. 
Perhaps the best example in 

648
00:31:20,520 --> 00:31:23,840
scripture of a young person that
did not practice wise spending 

649
00:31:23,840 --> 00:31:28,160
was the prodigal son, right? 
The Bible says in Luke chapter 

650
00:31:28,160 --> 00:31:31,440
15 and verse #13 And not many 
days after, the younger son 

651
00:31:31,440 --> 00:31:33,920
gathered all together, and he 
took his journey into a far 

652
00:31:33,920 --> 00:31:39,320
country, and what there wasted 
his substance with riotous 

653
00:31:39,320 --> 00:31:42,080
living. 
And when he had spent all, there

654
00:31:42,080 --> 00:31:44,920
arose a mighty famine in that 
land, and he began to be in 

655
00:31:44,920 --> 00:31:47,840
want. 
See, young people need to learn 

656
00:31:47,840 --> 00:31:51,120
how to save and learn when to 
save and when and how to spend. 

657
00:31:51,120 --> 00:31:55,200
And there's four specific 
spending patterns, I guess that 

658
00:31:55,200 --> 00:31:56,680
we need to teach our kids to 
avoid. 

659
00:31:56,680 --> 00:31:58,960
Number one is the impulsive 
spending. 

660
00:32:00,160 --> 00:32:02,680
Most people are in debt because 
of impulsive spending. 

661
00:32:02,880 --> 00:32:05,560
They see something, they like 
it, they want it, they buy it, 

662
00:32:06,520 --> 00:32:10,120
right. 
And sometimes it's, there's 

663
00:32:10,120 --> 00:32:12,187
something that's not small. 
You're walking around in bass 

664
00:32:12,187 --> 00:32:35,560
pro 
One way, one way that you can 

665
00:32:35,560 --> 00:32:40,680
keep from buying impulsively is 
to spend on a big purchase car, 

666
00:32:40,680 --> 00:32:42,640
something like that. 
Spend 30 days praying about it 

667
00:32:42,640 --> 00:32:45,480
before you buy it, right? 
You know what happens? 

668
00:32:45,600 --> 00:32:47,600
A lot of times all you need is 
one day and you're like, you 

669
00:32:47,600 --> 00:32:49,480
know what? 
Yeah, probably probably not. 

670
00:32:49,480 --> 00:32:51,640
I probably don't really need 
that, right? 

671
00:32:52,240 --> 00:32:54,920
It's just that when you're in 
the heat of the moment, the, 

672
00:32:55,000 --> 00:32:58,000
the, the one of the hardest 
things to do to teach yourself 

673
00:32:58,240 --> 00:33:00,360
and to teach your kids is to 
walk away from something that 

674
00:33:00,360 --> 00:33:03,960
you really want, right? 
But if you can walk away from 

675
00:33:03,960 --> 00:33:06,680
something that you really want, 
then you're probably only going 

676
00:33:06,680 --> 00:33:08,720
to buy the things that you 
really need, right? 

677
00:33:08,720 --> 00:33:10,840
Or that are that are good, that 
are good decisions. 

678
00:33:10,840 --> 00:33:12,800
At least that's impulsive 
spending. 

679
00:33:12,920 --> 00:33:14,480
Compulsive spending is another 
one. 

680
00:33:14,480 --> 00:33:17,040
And it's dangerous for a 
teenager to feel that every time

681
00:33:17,040 --> 00:33:19,920
he goes into a store, he's got 
to buy something, right? 

682
00:33:20,000 --> 00:33:22,640
The money when my dad always 
said the money's burning a hole 

683
00:33:22,640 --> 00:33:25,280
in your pocket, right? 
You finally got 10 bucks and I 

684
00:33:25,280 --> 00:33:26,920
got to spend it. 
I got to spend it. 

685
00:33:26,920 --> 00:33:29,480
I don't care if I'm going to buy
all packs of gum. 

686
00:33:29,480 --> 00:33:31,720
I don't care if it's, you know, 
I don't care what it is. 

687
00:33:31,720 --> 00:33:34,240
I'm just, I've got to spend the 
money because it's, it's in my 

688
00:33:34,240 --> 00:33:37,120
pocket, right? 
That's compulsive spending. 

689
00:33:37,120 --> 00:33:40,440
Every time I go, I got to buy 
something at this place, right? 

690
00:33:41,000 --> 00:33:43,760
Traditions is one thing, but 
compulsive spending is something

691
00:33:43,760 --> 00:33:45,320
else. 
Here's another one, special 

692
00:33:45,320 --> 00:33:48,560
interest spending. 
That's when somebody feels like 

693
00:33:48,560 --> 00:33:52,960
they've got to have the new 
gadget or more stuff related to 

694
00:33:52,960 --> 00:33:55,240
whatever their area of special 
interest is. 

695
00:33:55,240 --> 00:33:57,960
I think, I think a good example 
of that would be like golf, 

696
00:33:58,520 --> 00:34:00,440
right? 
The newest clubs come out and 

697
00:34:00,440 --> 00:34:03,560
I've got to have the newest 
clubs or this gadget came out 

698
00:34:03,560 --> 00:34:06,320
and I've got to, I've got to 
have that thing because man, how

699
00:34:06,320 --> 00:34:08,760
cool would that be if you know, 
if I'm walking around in the 

700
00:34:08,760 --> 00:34:11,320
course and I have one of these 
and everybody else wants to use 

701
00:34:11,360 --> 00:34:13,199
it, right? 
Special interest, doesn't matter

702
00:34:13,199 --> 00:34:14,520
what it is. 
There's a lot of different 

703
00:34:14,520 --> 00:34:17,679
things where you've got to have 
the latest and the best because 

704
00:34:17,679 --> 00:34:20,120
it's there, right? 
And I mean, it could be, it 

705
00:34:20,120 --> 00:34:22,040
could be anything. 
I mean, it could be cars, it 

706
00:34:22,040 --> 00:34:26,000
could be, you know, electronics.
I mean, nothing wrong with 

707
00:34:26,000 --> 00:34:29,120
having a, an electronic that is,
that is new and functioning. 

708
00:34:29,120 --> 00:34:31,840
But at the same time, just 
because it's new doesn't mean 

709
00:34:31,840 --> 00:34:34,360
that you have to have it, right?
I mean, look what happens when 

710
00:34:34,360 --> 00:34:36,440
they announce the new iPhones 
every year. 

711
00:34:36,840 --> 00:34:40,000
The lines out the Apple Store 
are, are ridiculous because 

712
00:34:40,000 --> 00:34:42,080
people got to have it just 
because it's new and it's the 

713
00:34:42,080 --> 00:34:44,480
latest one, right? 
I mean, it might not even be any

714
00:34:44,480 --> 00:34:47,440
different than the one before. 
It's just that it's new and I've

715
00:34:47,440 --> 00:34:50,600
got to have it right? 
And, and a lot of people are in 

716
00:34:50,600 --> 00:34:53,320
debt because of that special 
interest spending. 

717
00:34:53,760 --> 00:34:56,360
And, and, and you want to 
encourage your kids to have 

718
00:34:56,360 --> 00:34:59,360
hobbies and, and, and skills and
things like that in their lives,

719
00:34:59,360 --> 00:35:05,480
but you don't want to encourage 
them to, to you don't want to 

720
00:35:05,480 --> 00:35:08,920
encourage them with a need to 
have, I've got to have this 

721
00:35:08,960 --> 00:35:12,240
right. 
And then the 4th one that is a 

722
00:35:12,240 --> 00:35:15,000
spending pattern that we need to
teach our kids to avoid is 

723
00:35:15,000 --> 00:35:18,120
status seeking spending. 
And it's, it's, it's vital that 

724
00:35:18,120 --> 00:35:20,800
we teach our children that, that
our acceptance comes from the 

725
00:35:20,800 --> 00:35:24,720
Lord and that it's very futile 
to seek acceptance from the 

726
00:35:24,720 --> 00:35:29,320
world, right? 
It's what is it always called 

727
00:35:29,320 --> 00:35:31,320
keeping up with the Joneses, 
right? 

728
00:35:31,360 --> 00:35:33,680
You've heard that phrase many, 
many times, keeping up with the 

729
00:35:33,680 --> 00:35:34,960
Joneses. 
Well, they got this. 

730
00:35:34,960 --> 00:35:37,240
So I've got to have that and 
I've got to one up them because 

731
00:35:37,240 --> 00:35:40,200
they got this and I got to have 
that, right, status seeking. 

732
00:35:40,640 --> 00:35:45,040
And it's just, you know, but 
it's a very dangerous thing too,

733
00:35:45,040 --> 00:35:47,920
because many times that gives 
you a great desire to be just 

734
00:35:47,920 --> 00:35:50,840
like the world, right? 
It's the newest pair of shoes 

735
00:35:50,840 --> 00:35:52,360
that came out. 
I got to have it because if I 

736
00:35:52,360 --> 00:35:54,480
have those and everybody's going
to, you know, everybody's going 

737
00:35:54,480 --> 00:35:57,320
to be fawning all over me. 
And I've got to have that car 

738
00:35:57,320 --> 00:35:58,960
because it's the newest and 
nicest. 

739
00:35:58,960 --> 00:36:02,200
And I've got to have this type 
of house because this is the 

740
00:36:02,200 --> 00:36:03,840
style now. 
And I've got to have these 

741
00:36:03,840 --> 00:36:06,520
things in my house because if 
you have a house like this, you 

742
00:36:06,520 --> 00:36:08,440
got to have that. 
And it's all about seeking a 

743
00:36:08,440 --> 00:36:10,880
status, right? 
It's all about, it's all about 

744
00:36:10,880 --> 00:36:13,440
being recognized by people from 
the outside. 

745
00:36:13,440 --> 00:36:17,040
And man, that's exactly what 
happened in 2008 when that when 

746
00:36:17,040 --> 00:36:19,240
everything crashed, they had to 
have it. 

747
00:36:19,320 --> 00:36:22,680
They had to have it because, 
well, I, I'm ACEO of this 

748
00:36:22,680 --> 00:36:24,520
company and I make millions of 
dollars. 

749
00:36:24,520 --> 00:36:26,600
So I've got to have a couple 
$1,000,000 house. 

750
00:36:27,120 --> 00:36:29,440
You know, some of the, some of 
the wealthiest people and some 

751
00:36:29,440 --> 00:36:32,720
of the people who, who have 
generational wealth live in 

752
00:36:32,720 --> 00:36:35,000
something that's way smaller 
than you would think they could 

753
00:36:35,000 --> 00:36:36,720
have. 
And they drive something way 

754
00:36:36,720 --> 00:36:39,360
cheaper than you think they 
could drive, right? 

755
00:36:39,640 --> 00:36:41,920
Some of these guys that, that, 
that have the most money. 

756
00:36:41,920 --> 00:36:43,640
That's one of the reasons why 
they have that money. 

757
00:36:43,640 --> 00:36:47,040
So, you know, some, sometimes 
when it comes to those kind of 

758
00:36:47,040 --> 00:36:49,360
status seeking things, it's 
going to mean holding the line 

759
00:36:50,440 --> 00:36:53,640
as a parent and not overspending
or letting your kids overspend 

760
00:36:53,640 --> 00:36:56,920
just to just to gain the 
attention of other kids, right? 

761
00:36:57,120 --> 00:36:59,480
I think one of the one of the 
good examples of that for me, 

762
00:36:59,480 --> 00:37:02,360
especially growing up was, was 
basketball, right? 

763
00:37:02,480 --> 00:37:05,720
Everybody had to have a pair of 
Nike basketball shoes because 

764
00:37:05,720 --> 00:37:08,920
that meant you had the good 
shoes, right? 

765
00:37:09,400 --> 00:37:12,240
Here I am buying Warner Brothers
on the clearance rack at Kmart, 

766
00:37:12,800 --> 00:37:14,640
right? 
My parents didn't let me 

767
00:37:14,640 --> 00:37:16,400
overspend. 
Now I didn't want to because I 

768
00:37:16,400 --> 00:37:18,400
didn't have the money and I was 
buying it myself. 

769
00:37:18,400 --> 00:37:20,760
And that's one good way to keep 
your kids from overspending. 

770
00:37:20,760 --> 00:37:25,960
But even if they have the money,
even if they worked and somebody

771
00:37:25,960 --> 00:37:28,800
gave them $200 for mowing the 
grass and they got money in 

772
00:37:28,800 --> 00:37:31,120
their pocket that's burning a 
hole in it and they can afford 

773
00:37:31,120 --> 00:37:36,000
to buy a really expensive pair 
of basketball shoes, it's not a 

774
00:37:36,000 --> 00:37:38,080
good idea to let them buy it, 
right? 

775
00:37:38,680 --> 00:37:40,480
I mean, I'm not, I'm not saying 
that they have to buy the 

776
00:37:40,480 --> 00:37:44,400
plastic bottom shoes at Payless,
but at the same time they go to 

777
00:37:44,400 --> 00:37:46,800
the outlets and buy a pair of 
shoes that's 40 bucks. 

778
00:37:46,800 --> 00:37:48,680
They, they last the same amount 
of time. 

779
00:37:48,680 --> 00:37:51,480
And just because they don't have
the, the little swoosh on the 

780
00:37:51,480 --> 00:37:54,200
side of it that everybody thinks
you got to have to be able to 

781
00:37:54,200 --> 00:37:59,080
play basketball, doesn't mean 
that they have to overspend just

782
00:37:59,080 --> 00:38:02,880
to have that status, right? 
So those 4 stewardship 

783
00:38:02,880 --> 00:38:05,080
principles, giving, budgeting, 
saving, spending, those are 

784
00:38:05,080 --> 00:38:07,880
habits that we have to instill 
in our children and they need to

785
00:38:07,880 --> 00:38:11,800
see us practicing those biblical
financial stewardship of things 

786
00:38:11,800 --> 00:38:14,680
ourself. 
And, and then they need us to 

787
00:38:14,680 --> 00:38:19,160
teach them how to manage those, 
those basic habits of godly 

788
00:38:19,160 --> 00:38:21,480
stewardship as well. 
I want to move into one more 

789
00:38:21,480 --> 00:38:25,880
thing, and I'll be very quick 
with this, but #4 is this in 

790
00:38:25,880 --> 00:38:29,040
order to teach contentment or to
cultivate contentment? 

791
00:38:29,040 --> 00:38:31,960
And that is to maintain biblical
priorities in the home? 

792
00:38:33,520 --> 00:38:36,880
Turn over to Hebrews chapter 13.
See, when it comes to teaching 

793
00:38:36,880 --> 00:38:39,560
our children contentment, it's 
not only about what we do in the

794
00:38:39,560 --> 00:38:41,960
ways of budgeting and working. 
It's also about the attitude of 

795
00:38:41,960 --> 00:38:46,480
our hearts. 
That's probably what expresses 

796
00:38:46,480 --> 00:38:48,480
our priorities more than 
anything else. 

797
00:38:49,320 --> 00:38:52,240
And so sometimes people work 
hard and they're disciplined in 

798
00:38:52,240 --> 00:38:55,760
theirs their budget simply 
because their priorities are 

799
00:38:55,760 --> 00:38:58,840
that they want to have bigger 
and better later, right? 

800
00:38:59,280 --> 00:39:01,080
Nothing wrong with saving up, 
right? 

801
00:39:01,080 --> 00:39:03,000
Working hard and being 
disciplined and spending are, 

802
00:39:03,000 --> 00:39:05,120
are, are great ways to plan for 
a large purchase. 

803
00:39:05,120 --> 00:39:07,040
But that's not the kind of 
priorities that we want to focus

804
00:39:07,040 --> 00:39:10,360
on. 
We need to focus on setting and 

805
00:39:10,360 --> 00:39:13,160
modeling 2 basic priorities of 
contentment. 

806
00:39:13,160 --> 00:39:15,720
And, and they're this number 
one, trust in the Lord. 

807
00:39:16,760 --> 00:39:21,200
That's what we want to focus on 
setting and modeling as a 

808
00:39:21,200 --> 00:39:23,840
priority when it comes to 
contentment, trust in the Lord. 

809
00:39:24,360 --> 00:39:29,680
See the the heart of biblical 
contentment is trusting that God

810
00:39:29,680 --> 00:39:32,560
is enough, then he's going to 
provide for our needs, right. 

811
00:39:32,720 --> 00:39:36,400
Hebrews chapter 13 verse #5 let 
your conversation be without 

812
00:39:36,400 --> 00:39:41,400
covetousness and be content with
such things as you have for he 

813
00:39:41,400 --> 00:39:43,680
had said, I will never leave 
thee nor forsake thee. 

814
00:39:43,920 --> 00:39:46,520
What is the goal here? 
If you if you look at that 

815
00:39:46,520 --> 00:39:51,120
verse, what's the goal is it 
have things be content. 

816
00:39:51,560 --> 00:39:52,680
But what does he, what does he 
say? 

817
00:39:52,680 --> 00:39:54,360
That we should be content with 
things. 

818
00:39:57,760 --> 00:39:59,480
Be content with such things as 
you have. 

819
00:40:01,160 --> 00:40:03,720
For he has said I will never 
leave thee nor forsake thee. 

820
00:40:04,560 --> 00:40:07,760
Who's the focus? 
He is right? 

821
00:40:08,320 --> 00:40:09,880
I'm not going to leave you and 
forsake you. 

822
00:40:10,040 --> 00:40:13,600
You don't need anything else. 
You have me be content with the 

823
00:40:13,600 --> 00:40:17,760
things that you have, right? 
I've, I've already told you, I'm

824
00:40:17,760 --> 00:40:19,640
not going to leave you. 
I'm not going to forsake you. 

825
00:40:19,640 --> 00:40:22,400
What else do you need? 
Be content with what you have. 

826
00:40:22,400 --> 00:40:24,480
That's what he's saying. 
So trust in the Lord. 

827
00:40:24,480 --> 00:40:27,120
Sometimes what we do for the 
Lord or in giving to others 

828
00:40:27,120 --> 00:40:32,080
doesn't make sense financially. 
You know, you, for example, if 

829
00:40:32,080 --> 00:40:36,480
you go to a financial counselor,
they're probably not going to 

830
00:40:36,480 --> 00:40:39,640
recommend that you give 20% of 
your income to the church, 

831
00:40:39,640 --> 00:40:41,520
right? 
They're probably not going to 

832
00:40:41,520 --> 00:40:43,680
recommend that because it 
doesn't make sense financially. 

833
00:40:44,120 --> 00:40:46,400
There's been many times when, 
when we've sat down and said, 

834
00:40:46,400 --> 00:40:51,640
man, I've no idea how this is 
working out, but it does because

835
00:40:51,640 --> 00:40:55,560
God blesses you when you do it 
his way, right? 

836
00:40:55,560 --> 00:40:58,360
And, and it's not always that 
God is going to give you 

837
00:40:58,360 --> 00:41:00,880
everything that you desire. 
It's not God's going to make you

838
00:41:00,880 --> 00:41:03,720
a millionaire because you give 
to him or you're going to walk 

839
00:41:03,720 --> 00:41:05,520
Outback. 
And sure enough, that money tree

840
00:41:05,520 --> 00:41:07,760
is actually going to be growing 
in the backyard and you can just

841
00:41:07,760 --> 00:41:09,520
start plucking dollars off of 
it, right? 

842
00:41:09,840 --> 00:41:11,720
Doesn't work that way. 
But you know what happens? 

843
00:41:11,720 --> 00:41:14,920
You know what God does? 
He allows your washing machine 

844
00:41:14,920 --> 00:41:18,120
to last way longer than you 
thought it was going to, right? 

845
00:41:18,480 --> 00:41:22,480
Your car can have 275,000 miles 
on it still running just fine, 

846
00:41:23,040 --> 00:41:24,680
right? 
That's how God blesses the 

847
00:41:24,680 --> 00:41:29,000
people who financially take care
of him first, right? 

848
00:41:29,240 --> 00:41:32,240
It may not be that God gives you
all the money that you need, but

849
00:41:32,240 --> 00:41:34,480
He'll keep you from having to 
spend the money that you have, 

850
00:41:35,240 --> 00:41:36,800
right? 
So trust in the Lord. 

851
00:41:36,960 --> 00:41:39,920
Malachi chapter 3 and verse 10. 
Bring ye all the ties into the 

852
00:41:39,920 --> 00:41:42,480
storehouse, that there may be 
meat in my house, and prove me 

853
00:41:42,480 --> 00:41:46,200
Now herewith, saith the Lord of 
host, if I will not open you the

854
00:41:46,200 --> 00:41:49,040
windows of heaven, and pour you 
out a blessing that there shall 

855
00:41:49,040 --> 00:41:52,200
not be room enough to receive 
it, that's a pretty big blessing

856
00:41:52,520 --> 00:41:53,920
just forgiven to the Lord, isn't
it? 

857
00:41:54,760 --> 00:41:57,720
Luke chapter 6, verse 38. 
Give, and it shall be given unto

858
00:41:57,720 --> 00:41:59,240
you. 
Press down, good measure, 

859
00:41:59,240 --> 00:42:02,200
pressed down and shaken 
together, and running over shall

860
00:42:02,200 --> 00:42:04,480
men give into your bosom. 
For with the same measure that 

861
00:42:04,480 --> 00:42:07,240
you meet with all, it shall be 
measured to you again. 

862
00:42:07,240 --> 00:42:12,040
So teaching them the priority of
trust in the Lord is is is truly

863
00:42:12,040 --> 00:42:15,280
more important than anything you
can give them materially, but 

864
00:42:15,280 --> 00:42:18,240
not only trust in the Lord, but 
also serve the Lord. 

865
00:42:18,800 --> 00:42:20,680
And I'll just read this to you 
for the sake of time. 

866
00:42:20,680 --> 00:42:23,400
But first Samuel chapter 3 and 
verse #1 in the child Samuel 

867
00:42:23,400 --> 00:42:25,840
ministered unto the Lord before 
Eli, and the word of the Lord 

868
00:42:25,840 --> 00:42:28,920
was precious. 
In those days, there was no open

869
00:42:29,040 --> 00:42:32,040
vision. 
See, serving others and teaching

870
00:42:32,040 --> 00:42:34,920
our children to serve others 
helps them to develop an 

871
00:42:34,920 --> 00:42:38,440
attitude of contentment because 
it turns their attention from 

872
00:42:38,440 --> 00:42:40,600
their wants and their desires to
the actual needs of others. 

873
00:42:41,600 --> 00:42:44,640
And I tell you, probably one of 
the the biggest eye opening 

874
00:42:44,640 --> 00:42:46,760
experiences for for me when I 
was young. 

875
00:42:46,760 --> 00:42:48,880
And when I was in 9th grade, I 
went on a missions trip to 

876
00:42:48,880 --> 00:42:53,320
Mexico. 
And boy, you think that you have

877
00:42:53,320 --> 00:42:57,520
it rough in the US because you 
didn't get to buy your Nike 

878
00:42:57,520 --> 00:43:01,720
shoes because you didn't, you 
know, get to have the nicest of 

879
00:43:01,720 --> 00:43:03,640
this and you don't have all the 
money in the world. 

880
00:43:03,920 --> 00:43:06,360
Go to Mexico and go to some of 
these little villages where they

881
00:43:06,360 --> 00:43:08,520
have dirt streets and they have 
a house that's made out of 

882
00:43:08,520 --> 00:43:12,000
cardboard. 
And Belize is the same way, man.

883
00:43:12,000 --> 00:43:14,080
That's why that's that's one of 
the reasons why I want to get 

884
00:43:14,080 --> 00:43:18,440
our kids down there to Belize 
and let them see how good we 

885
00:43:18,440 --> 00:43:21,480
have it in the US. 
I've been in a lot of places in 

886
00:43:21,480 --> 00:43:24,600
this world and there is no place
like the United States of 

887
00:43:24,600 --> 00:43:27,080
America. 
And even the poorest of the 

888
00:43:27,080 --> 00:43:30,000
people in the United States of 
America live like kings compared

889
00:43:30,000 --> 00:43:31,480
to most of the rest of the 
world. 

890
00:43:32,240 --> 00:43:36,680
You want to cultivate 
contentment, go out and serve in

891
00:43:36,680 --> 00:43:38,400
some of these underserved 
communities. 

892
00:43:39,560 --> 00:43:41,880
Go into some of the projects and
see how they live. 

893
00:43:41,880 --> 00:43:44,960
Because the parents are drug 
addicts and they spend all their

894
00:43:44,960 --> 00:43:50,000
money on, on booze and, and dope
and these kids that, that are 

895
00:43:50,000 --> 00:43:52,640
running around, you know, with 
nothing on but a diaper and it's

896
00:43:52,640 --> 00:43:57,320
full because they have no parent
to take care of them, because 

897
00:43:57,320 --> 00:44:00,120
the parents are crackheads and 
everything else. 

898
00:44:02,360 --> 00:44:05,320
And then go home and act like 
you don't have something to be 

899
00:44:05,320 --> 00:44:09,120
content about, right? 
Serve others. 

900
00:44:09,440 --> 00:44:12,160
And as a parent, you can help 
mold and model those basic 

901
00:44:12,160 --> 00:44:15,040
priorities of trust in the Lord 
and service to others by doing 

902
00:44:15,280 --> 00:44:18,360
both of those things yourself, 
by creating opportunities for 

903
00:44:18,360 --> 00:44:20,280
your kids to participate in 
those things as well. 

904
00:44:20,680 --> 00:44:24,760
Is there a cost? 
Yeah, there will be right money 

905
00:44:24,760 --> 00:44:27,800
time, but the benefits far 
outweigh the cost. 

906
00:44:27,800 --> 00:44:32,800
And so all that to say that the 
road to contentment begins at 

907
00:44:32,800 --> 00:44:35,280
home. 
You want your kids to grow up 

908
00:44:35,280 --> 00:44:38,640
and be content in a culture that
tells them that there is no way 

909
00:44:38,640 --> 00:44:40,800
that you can be content because 
you always got to have at least 

910
00:44:40,800 --> 00:44:43,120
one more dollar. 
You always got to have at least 

911
00:44:43,120 --> 00:44:45,080
a little bit bigger house. 
You always got to have a little 

912
00:44:45,080 --> 00:44:46,800
bit newer car. 
You got to drive a little bit 

913
00:44:46,800 --> 00:44:48,800
better. 
This, you got to have that and, 

914
00:44:48,800 --> 00:44:52,040
and this culture that tells us 
that that the way to succeed is 

915
00:44:52,040 --> 00:44:54,240
just keep gathering and 
gathering and gathering and 

916
00:44:54,240 --> 00:44:58,520
gathering. 
You want them to grow up and 

917
00:44:58,520 --> 00:45:00,600
live for the Lord and be content
with what they have. 

918
00:45:00,600 --> 00:45:02,160
Then we've got to model these 
things. 

919
00:45:02,520 --> 00:45:04,000
We've got to teach them to our 
kids. 

920
00:45:04,000 --> 00:45:07,480
They're not just going to grow 
up knowing how to do them, but 

921
00:45:07,480 --> 00:45:10,040
if you're going to teach them to
your kids, you've got to do it 

922
00:45:10,040 --> 00:45:12,560
yourself. 
You've got to live content. 

923
00:45:12,960 --> 00:45:14,800
You've got to live in a way 
that's pleasing the Lord. 

924
00:45:14,800 --> 00:45:17,400
You've got to live in a way 
that's financially responsible. 

925
00:45:17,920 --> 00:45:21,680
You've got to do these different
things that that help them know 

926
00:45:22,640 --> 00:45:26,120
how how to do those things. 
And so, you know, children who 

927
00:45:26,120 --> 00:45:29,640
learn those principles and 
skills enter adulthood with 

928
00:45:30,040 --> 00:45:33,480
financial and social maturity 
beyond their years, and they 

929
00:45:33,480 --> 00:45:35,680
begin their adult lives with 
these principles and these 

930
00:45:35,680 --> 00:45:37,840
habits that are going to set 
them up for the rest of their 

931
00:45:37,840 --> 00:45:41,040
lives. 
Man, when they know how to save,

932
00:45:41,040 --> 00:45:43,640
when they know how to spend, 
when they know how to budget, 

933
00:45:43,640 --> 00:45:47,040
when they know how to how to 
give to the Lord, they're going 

934
00:45:47,040 --> 00:45:50,440
to begin their adult lives with 
such a huge advantage on the 

935
00:45:50,440 --> 00:45:53,440
rest of the world. 
And best of all, most of all 

936
00:45:53,440 --> 00:45:54,600
because they'll have 
contentment. 

937
00:45:54,600 --> 00:45:57,760
They'll always have enough. 
They'll always have enough. 

938
00:45:58,320 --> 00:46:00,920
Doesn't matter if God calls him 
to the mission field and they're

939
00:46:00,920 --> 00:46:03,800
living in a Hut somewhere. 
They'll have enough because 

940
00:46:03,800 --> 00:46:06,840
they've learned contentment 
doesn't matter if God calls them

941
00:46:06,840 --> 00:46:10,080
to, to, to go to Belize. 
And boy, you saw some of the 

942
00:46:10,080 --> 00:46:12,120
pictures of some of these houses
that are just made out of 

943
00:46:12,400 --> 00:46:15,560
plywood and that's it. 
If that's all you can, that's 

944
00:46:15,560 --> 00:46:18,400
all you can have, then you'll be
content because you've learned 

945
00:46:18,400 --> 00:46:20,760
how to live content with 
whatever you have. 

946
00:46:21,240 --> 00:46:23,120
Be content with such things as 
you have. 

947
00:46:23,560 --> 00:46:26,480
For he has said I will never 
leave thee nor forsake the you 

948
00:46:26,480 --> 00:46:27,840
have him. 
You have enough. 

949
00:46:28,840 --> 00:46:31,920
You have a you have, you have 
clothes to wear, food to eat, a 

950
00:46:32,200 --> 00:46:35,160
house to sleep in. 
You've given enough, right? 

951
00:46:35,960 --> 00:46:38,480
Seek ye first the Kingdom of God
and his righteousness, and all 

952
00:46:38,480 --> 00:46:39,720
these things will be added unto 
you. 

953
00:46:40,040 --> 00:46:43,040
Put in first. 
You teach that to your kids. 

954
00:46:43,240 --> 00:46:45,320
They'll always have enough. 
They'll always be content. 

955
00:46:46,120 --> 00:46:50,640
We need to model that ourselves.
We're spoiled Americans, that's 

956
00:46:50,640 --> 00:46:52,920
what we are. 
We're spoiled Americans and 

957
00:46:52,920 --> 00:46:57,160
we've been, we've been 
conditioned to have everything 

958
00:46:57,160 --> 00:47:00,360
given to us the second we want 
it. 

959
00:47:00,360 --> 00:47:05,760
And Amazon doesn't help, but 
most of us live uncontent 

960
00:47:05,760 --> 00:47:08,640
because what it said it was 
going to get her overnight 

961
00:47:08,640 --> 00:47:11,080
between 4:00 and 8:00, and it 
didn't get here till noon, 

962
00:47:12,040 --> 00:47:15,600
right? 
But we got to model those things

963
00:47:15,600 --> 00:47:17,800
for our kids. 
And if we teach those things to 

964
00:47:17,800 --> 00:47:20,920
our kids, then they will grow up
knowing how to be content no 

965
00:47:20,920 --> 00:47:23,280
matter what happens, no matter 
where God calls them, no matter 

966
00:47:23,280 --> 00:47:26,680
what situation they end up in, 
and they'll always be taken care

967
00:47:26,680 --> 00:47:29,560
of. 
What else do you want? 

968
00:47:30,280 --> 00:47:31,840
What else do you want? 
We got to teach it to them. 

969
00:47:31,840 --> 00:47:33,680
Now let's pray. 
Father, again, we thank you so 

970
00:47:33,680 --> 00:47:35,360
much for your goodness. 
Thank you for the opportunity 

971
00:47:35,360 --> 00:47:36,640
we've had to be here together 
tonight. 

972
00:47:36,640 --> 00:47:40,760
And I know this has been a long 
series and, and a lot of things 

973
00:47:40,760 --> 00:47:43,560
talking about when it comes to 
contentment. 

974
00:47:43,600 --> 00:47:46,000
God, I pray first and foremost 
that you'd help us all to be 

975
00:47:46,000 --> 00:47:48,960
content, but then that we'd be 
able to pass that on to our 

976
00:47:48,960 --> 00:47:51,080
children and help them learn 
that contentment as well. 

977
00:47:52,120 --> 00:47:57,520
And God, may you help us to be 
purposeful and raising our kids 

978
00:47:57,520 --> 00:48:01,560
for you, raising our kid with 
kids with biblical principles 

979
00:48:01,560 --> 00:48:05,360
and godly mindsets. 
And God, may you help us to have

980
00:48:05,360 --> 00:48:07,840
young people that grow up and go
on to serve you with their lives

981
00:48:07,840 --> 00:48:09,880
because of it. 
Thank you again for all you do 

982
00:48:09,880 --> 00:48:13,000
for us in Jesus name, Amen. 
Let's stand in our seats with 

983
00:48:13,000 --> 00:48:14,280
our heads bowed and our eyes 
closed.