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All right, my Bible in 365, 
brothers and sisters, we have 

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arrived at the remarkable book 
of Ecclesiastes. 

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And folks, I love this book. 
I absolutely love it. 

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You know what, if I could 
relabel this book, I would call 

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it Wisdom for Life and Business,
and I mean it guys, this is a 

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great book. 
Look, when people read the book 

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of Ecclesiastes, they come away 
with many different opinions 

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about what Solomon was 
expressing. 

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And by the way, I talk 
extensively about those opinions

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and the many things that Solomon
does talk about at length. 

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And if you want to see those 
Bible studies, you can go to 

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jamescadiz.com. 
I have probably 100 plus Bible 

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studies on Ecclesiastes alone. 
You can go. 

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You can find those there. 
But I want to show you some 

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points that you are going to 
love, some principles here that 

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are just absolutely remarkable. 
Now, some people will look at 

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this book and they will treat it
as though Solomon is simply 

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depressed. 
I think that would be a 

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tremendous tragedy. 
I think it would be terrible to 

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look at the book this way. 
Others will look at it as the 

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testimony of a man who 
experienced virtually everything

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that this world could offer, and
that would actually be somewhat 

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true. 
But Ecclesiastes is not merely 

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the unfiltered frustration of 
Solomon. 

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God gives us Solomon's life 
experience within its proper 

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context here. 
And Solomon tells us what life 

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looks like under the sun when a 
person attempts to find meaning 

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in wealth or pleasure or work, 
or even accomplishment. 

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And yes, dare I say human wisdom
apart from God. 

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But throughout the book we find 
extraordinary insight about 

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life, about work, about money, 
about risk, about preparation 

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and, and literally about the 
proper stewardship of what God 

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has placed in our hands. 
And I want to focus on at least 

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three solid examples of this 
three very practical principles.

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1 Diversity. 
OK, this is an important one 

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because Solomon tells us to 
diversify wisely. 

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The other one, I'm going to call
it sharpening your axe. 

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We're going to go over that as 
well, and this is a critical 

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principle. 
And the last one that I'm going 

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to go over is protect the fruit 
of your labor. 

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Now there's so much to say about
all of this, but let's look at 

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the first one. 
Diversify wisely. 

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Let me read this to you. 
This is Ecclesiastes Chapter 11.

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I'm going to read verses one and
two. 

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It says cast thy bread upon the 
waters, for thou shalt find it 

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after many days. 
Give a portion to seven and also

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to 8, for thou knowest not what 
evil shall be upon the earth. 

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Solomon just gave us so much 
beautiful information. 

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He's teaching us not to place 
everything into one opportunity.

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That is such an incredible 
principle. 

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Look what he says. 
He says give a portion to seven 

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and also to 8. 
Look. 

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It's a clear principle of 
diversification here. 

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Look, you don't know what 
trouble might come upon this 

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earth. 
You, none of us wake up in the 

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morning and know when a trial is
coming or what something is 

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going to happen. 
And, and if we did, it'd be 

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pretty remarkable because then 
we could react in advance. 

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One investment that you make can
easily fail. 

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Another industry can like, 
without a doubt, struggle. 

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It can literally fall apart. 
One source of income can 

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completely disappear. 
And quite frankly, you can make 

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a plan or two plans or five 
plans, and those plans can be 

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disrupted by something that you 
would never anticipated. 

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Diversification is a not an 
expression of fear. 

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It's an acknowledgement of the 
kind of limitations that we 

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experience as human beings. 
It's an acknowledgement of the 

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fact that rain falls on the just
and the unjust. 

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We don't know everything that 
will happen tomorrow, so wisdom 

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tells us not to expose 
everything God has given us to 1

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unnecessary point of failure. 
That's literally what 

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Ecclesiastes is telling us here.
And this applies to lots of 

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different things. 
It applies to business. 

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It applies to investing. 
If you want to learn how to 

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trade in the stock market, 
that's an incredible principle 

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to follow. 
And I'm telling you right now, 

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you have to pay attention to it.
What about income? 

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It deals with income. 
It deals with ministry. 

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It even deals with the 
development of our personal 

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abilities. 
Diversification in that arena is

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so incredibly important. 
You have to develop more than 

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one skill. 
You have to understand more than

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one area of business. 
You cannot become dependent upon

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1 customer or one company or one
opportunity, 1 employer for that

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matter. 
It's literally the type of 

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failure that will destroy 
everything else. 

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But Solomon does not use 
uncertainty as an excuse for 

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inactivity. 
Look what he says in verse 4 of 

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Chapter 11. 
He says He that observeth the 

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wind shall not sow, and he that 
regardeth the clouds shall not 

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reap. 
What a powerful phrase he uses. 

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Look, some people are so 
concerned about what could go 

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wrong that they literally will 
never begin. 

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And I know lots of people like 
that. 

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That's why we have a whole 
country filled with people that 

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don't want to take a risk and be
an entrepreneur. 

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They're waiting for perfect 
conditions. 

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They want literally every single
question answered, every single 

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possible risk to be removed, and
every outcome guaranteed. 

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But that is not the way that 
life works. 

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If you wait for that day, it 
will never come. 

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There is an absolute difference 
between wise preparation and 

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fearful procrastination. 
That's what the Bible tells us. 

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Wisdom will calculate risk 
rather than acts. 

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Think about that for a second. 
OK, It's super, super important 

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to recognize that fear keeps 
calculating until the 

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opportunity is just completely 
gone. 

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And that brings us to what we 
read in verse 6 of that same 

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chapter. 
It says in the morning sow thy 

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seed, and in the evening 
withhold not thine hand. 

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For thou knowest not whether 
shall prosper either this or 

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that, or whether they both shall
be alike. 

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Good, that's heavy. 
Solomon says to keep sewing, 

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because you do not know which 
effort God will prosper. 

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That's such an important 
principle. 

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Do not make one attempt and then
conclude that nothing else 

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works. 
So in the morning and continue 

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working in the evening. 
Diversification means literally 

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spreading risk, but it also 
means creating multiple 

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opportunities for fruitfulness. 
Why? 

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Because they're all there and 
they're part of the command that

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God gave us when He said be 
fruitful and multiply. 

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We were created in His likeness 
and in His image to support 

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those purposes. 
By the way, I think it's really 

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important to point this out 
because so many people will look

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at these things and say, I've 
tried so many things, but it 

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just doesn't work. 
And I'm here to tell you that if

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you believe the Bible and you 
trust in God, everything you do 

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will work. 
It will either work for you or 

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it will work on you. 
Those are very important things 

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to understand. 
And here's the second principle.

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Sharpen your axe. 
Let me say that again, Sharpen 

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your axe. 
Look at Ecclesiastes chapter 10.

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I'm going to read verse 10 here.
It says if the iron be blunt and

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he do not wet the edge, then 
must he put to more strength. 

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But wisdom is profitable to 
direct. 

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It's so good, it is so good, 
it's so powerful. 

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Look, a person can work 
extremely hard and still work 

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inefficiently. 
The only thing that working hard

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will do is guarantee that you're
tired, OK? 

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What it's saying is, if the axe 
is blunt, meaning it's not 

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sharp, the person using it has 
to apply more strength in order 

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to accomplish less work. 
That's what it says. 

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The problem is not necessarily a
lack of effort. 

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The problem may be that that 
person never stopped long enough

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to sharpen the axe, to learn to 
understand. 

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In business, this principle is 
powerful. 

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It means sharpening the axe can 
mean improving your skills, 

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learning better systems, maybe 
study in your field using better

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tools. 
That's a big one, right? 

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Or just simply receiving 
instruction from someone with 

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more experience. 
One of the greatest investments 

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you can make might be 
participating in a mastermind or

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sitting down with somebody that 
can give you deeper, insider, 

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greater direction. 
Working harder is never going to

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be the answer, especially when 
you think working harder works 

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when you keep doing the wrong 
thing. 

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Sometimes the answer is becoming
better at the work, developing 

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proficiencies and efficiencies. 
There are people who pride 

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themselves in how exhausted they
are. 

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But exhaustion, it can't 
automatically become evidence of

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effectiveness. 
There's a lot of people who are 

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tired but don't do anything. 
I know those people. 

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They run around like in our 
church. 

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They run around with their, you 
know, like chickens with their 

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heads cut off, but they don't 
get anything done. 

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Wisdom will ask, is there a 
better way to do this? 

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It's not asking for a shortcut. 
It's asking for a better way. 

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When you are in a situation 
where you find yourself 

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repeatedly using strength 
because you've neglected 

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preparation, that's a problem. 
You have to ask yourself that 

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question. 
Where is that happening? 

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What skill would you make more 
effective if you took the time 

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to develop it? 
That's a really good question. 

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That's an important question. 
What problem keeps consuming 

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your time because you've never 
created a system to solve it? 

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Those are good questions for you
to be asking. 

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Why? 
Because time is your most 

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valuable asset and you need it 
more than ever. 

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Taking the time to sharpen the 
axe. 

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I'm just going to tell you this,
It might temporarily interrupt 

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the work. 
It might even cause you to be a 

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little frazzled and a little 
nervous and even have a little 

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anxiety because you're not doing
what you think you need to be 

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doing right away. 
You're going to realize 

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something very quickly when you 
have a sharp axe in your hand. 

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It will increase the 
effectiveness of everything that

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you do afterward, and it makes 
the time investment well worth 

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it. 
Wisdom will never eliminate hard

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work, but wisdom will actually 
direct the hard work. 

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And that's what Solomon is 
telling us here. 

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Here's one that I think it's 
very difficult for people to 

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understand, which is why I'm 
going to bring it up. 

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Protect the fruit of your labor,
OK? 

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This is super, super important 
for you to be able to 

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understand. 
Look what it says in 

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Ecclesiastes chapter 2, verses 
18 and 19. 

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Yeah, I hated all my labor which
I had taken under the sun, 

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because I should leave it unto 
the man that shall be after me, 

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and who knoweth whether he shall
be a wise man or a fool, Yet 

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shall he have a rule over all my
labor, wherein I have labored 

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and wherein I have showed myself
wise under the sun. 

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This is also vanity. 
Now you might read this and you 

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might immediately say, how 
depressing is this? 

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Solomon is saying all the stuff 
he's earned. 

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He's earned. 
If it's left for somebody else, 

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he doesn't know. 
It's so depressing. 

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It's not what he's saying here. 
Let me skip down to verse 21. 

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Let me read this, he says. 
For there is a man whose labor 

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is in wisdom, and in knowledge, 
and in equity, yet to a man that

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hath not labor, therein shall he
leave it for his portion. 

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This also is vanity and a great 
evil. 

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Let me tell you what's happening
here, and I think it's 

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important. 
Solomon is recognizing that a 

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person can spend his entire life
building something only to leave

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it to someone who did not work 
for it and may not possess the 

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wisdom to even manage it. 
This teaches us the importance 

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of secession. 
It teaches us the importance of 

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stewardship and preparation. 
It's not enough to build 

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something valuable. 
I think about this all the time.

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Charlie worked so hard. 
Him and Erika worked so hard to 

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build something valuable. 
I think it would have been a 

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terrible tragedy for it to be 
given to anybody else other than

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Erika to take on the legacy and 
to carry it. 

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What this is telling us is that 
we should also consider what 

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will happen to it when it passes
into someone else's hands. 

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You have to ask yourself very 
important questions. 

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Who are you training? 
Who understands what you have 

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built? 
Who knows the principles that 

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made it successful? 
Have you only transferred 

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possessions or have you 
transferred the wisdom that 

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gained those possessions? 
I, I, I think about this all the

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time because this is the program
that I think about with my 

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children. 
It's why we homeschool our 

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children. 
I believe in building the family

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enterprise and I strongly 
believe in passing down to my 

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children all that we've built. 
Why? 

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Because that's God's design. 
Look, person may inherit the 

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fruit of your labor without 
inheriting the discipline that 

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produced it. 
That is very possible. 

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This is why parents must teach 
their children how to manage 

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what they may eventually 
receive. 

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My look, my 8 year old is 
already learning how to read 

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stochastics on a chart to learn 
how to trade. 

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They will all learn how to be 
financially independent by the 

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time they're in their teens. 
But it's not just about that. 

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It's about understanding the 
heart behind it. 

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It's about managing the legacy, 
the legacy of Christ. 

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We have to teach our children 
how to manage these things. 

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This is why business owners must
develop leaders instead of just 

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simply hiring workers. 
This is why ministries, yes, me,

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you must train faithful people 
instead of building everything 

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around 1 personality. 
And that's a dangerous thing for

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me to be saying in the Calvary 
Chapel world. 

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You can't control every future 
decision, but you can definitely

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prepare people to carry 
responsibility wisely. 

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I know I've gone on, but I feel 
so strongly about this stuff. 

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Ecclesiastes gives us remarkably
practical wisdom. 

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OK, diversify, because you don't
know what difficulties tomorrow 

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may bring. 
That's biblical. 

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Keep sewing because uncertainty 
is not an excuse for inactivity.

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And please sharpen your axe, 
because working harder cannot 

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permanently compensate for 
working unwisely. 

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OK, we need to grasp God's 
wisdom. 

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Protect the fruit of your labor.
Prepare the people who will 

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eventually receive that fruit. 
But the final lesson, and I mean

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this from the bottom of my 
heart, the final lesson is that 

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none of these principles can 
give life in its ultimate 

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meaning. 
Think about that for a second. 

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Business wisdom can help us 
manage life, but only God can 

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give life its purpose. 
That's the conclusion that 

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Solomon came to. 
Let me read verse 13 of chapter 

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12. 
He said, let us hear the 

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conclusion of the whole matter. 
Look what he says. 

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Fear God and keep His 
commandments, for this is the 

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whole duty of man. 
So we take the wisdom, we get 

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excited about the discernment 
that this gives to us. 

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We go full forward ahead with 
every opportunity. 

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But then we recognize that the 
conclusion of the matter is to 

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fear God and to keep his 
commandments, because this is 

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the whole duty by which we were 
created. 

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God created us in His likeness 
and in His image, and when we 

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walk in the fullness of all of 
it, we see the expression of all

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that happens under the sun 
within the context that God has 

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created for us. 
This one is important to me. 

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This summary may be one of the 
most critical ones of the year. 

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Take it to heart, read this book
and read it with excitement 

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because of the incredible wisdom
that it holds. 

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00:16:41,680 --> 00:16:45,560
With that said, take 
responsibility for what God's 

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given you. 
There are tons of opportunities 

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in front of you. 
God has called you to walk in 

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remarkable abundance, but that 
abundance cannot be obtained 

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00:16:58,120 --> 00:17:01,880
unless you seek His wisdom and 
execute it properly. 

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God wants to do that. 
He wants you to obey His Word 

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and to follow these principles 
that you might experience 

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everything that He has for you 
to the fullest. 

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I love you guys and I'm very 
proud of you. 

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We are in the month of August 
and we are almost done. 

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You're amazing. 
I love you guys.

