by Fleming Island United Methodist Church on Jan 21, 2024
In a discussion about financial freedom and the use of money in accordance with divine principles, the focus is placed on the importance of managing finances wisely to not only benefit current communities but also to ensure a legacy for future generations. The idea is to use money in a way that aligns with God's intentions, enabling individuals to do good works and save for their descendants, so they can continue to make significant contributions to the kingdom of God.
The conversation begins with an observation about the pervasive nature of marketing in society and how it influences people's spending habits. The example of costly commercials during football games, featuring celebrities like Taylor Swift, illustrates the lengths to which companies will go to market their products, in this case, credit cards. This marketing is so ingrained in daily life that it often goes unnoticed, yet it shapes consumer behavior and attitudes towards spending and debt.
The discussion then shifts to the concept of debt as a form of bondage, referencing Proverbs 22, which states that the borrower is a slave to the lender. This proverbial wisdom suggests that owing money can enslave individuals to their debts, limiting their freedom and ability to use their resources as they might otherwise choose. The personal testimony of working diligently to pay off student loans reinforces the liberating feeling that comes with being debt-free.
Proverbs 6 is examined, offering advice on avoiding the pitfalls of debt, particularly when it comes to co-signing loans or guaranteeing the debts of others. The passage advises those who have entangled themselves in such agreements to act swiftly and humbly to extricate themselves from these obligations, likening the urgency to a gazelle escaping a predator.
The conversation encourages individuals to consider the proportion of their income that goes towards servicing debt and to imagine the possibilities if they were completely debt-free. The freedom from financial obligations would allow for greater flexibility in following God's direction and making an impact in the community and the world.
The importance of saving is underscored, with references to Luke 14, where Jesus speaks about counting the cost before undertaking a project. The analogy of having a "Murphy's law insurance" or emergency fund is used to illustrate the peace of mind that comes with being financially prepared for unexpected events, negating the need for emergency credit cards.
The discussion also touches on the tendency to accumulate possessions and the wisdom of selling unnecessary items to reduce clutter and contribute to financial goals. The minimalist approach is advocated, emphasizing the benefits of owning less and the potential to invest in future generations.
Finally, the conversation draws inspiration from the diligent work ethic of ants, as mentioned in Proverbs, to encourage perseverance in the journey towards financial freedom. The idea is that, like ants, individuals must work consistently and sometimes take on additional jobs or make sacrifices in the short term to achieve long-term financial goals.
The overarching message is that debt can be a significant hindrance to living a life aligned with divine purpose. By managing money wisely, saving diligently, and freeing oneself from the chains of debt, individuals can position themselves to be more effective in their personal lives, their communities, and in furthering the work of God.
Key Takeaways:
- The pervasive nature of marketing and its influence on spending habits can lead to a cycle of debt and consumerism. Recognizing and resisting these influences is crucial for achieving financial freedom and aligning with divine principles for money management. [05:56]
- Proverbs 22 and Proverbs 6 offer wisdom on the dangers of debt, likening it to a form of slavery and a trap. These passages encourage individuals to live within their means and to be cautious about entering into financial agreements that could compromise their freedom. [10:43]
- The concept of saving and preparing for the future is not just practical but also biblically supported. Having an emergency fund can provide security and prevent reliance on credit during unforeseen circumstances, aligning with the teachings of Jesus about counting the cost. [19:47]
- The accumulation of possessions can be a burden rather than a blessing. Selling unneeded items can contribute to financial goals and teach valuable lessons about contentment and stewardship. This minimalist approach can help focus on what truly matters and support the legacy for future generations. [21:42]
- The analogy of the ant's work ethic serves as a reminder of the importance of diligence and perseverance in achieving financial independence. Like the ant, consistent effort and sometimes additional work are necessary to break free from the constraints of debt and live a life of financial freedom. [22:32]
### Bible Study Discussion Guide
#### Bible Reading
1. **Proverbs 22:7 (NIV)**: "The rich rule over the poor, and the borrower is slave to the lender."
2. **Proverbs 6:1-5 (NLT)**: "My child, if you have put up security for a friend’s debt or agreed to guarantee the debt of a stranger—if you have trapped yourself by your agreement and are caught by what you said—follow my advice and save yourself, for you have placed yourself at your friend’s mercy. Now swallow your pride; go and beg to have your name erased. Don’t put it off; do it now! Don’t rest until you do. Save yourself like a gazelle escaping from a hunter, like a bird fleeing from a net."
3. **Luke 14:28 (NIV)**: "Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost to see if you have enough money to complete it?"
#### Observation Questions
1. What does Proverbs 22:7 say about the relationship between the borrower and the lender?
2. According to Proverbs 6:1-5, what should someone do if they have guaranteed the debt of another person? [12:01]
3. In Luke 14:28, what does Jesus suggest we do before starting a significant project?
4. How does the sermon describe the impact of marketing on our spending habits? [05:41]
#### Interpretation Questions
1. What does it mean to be a "slave to the lender" as described in Proverbs 22:7? How might this apply to modern-day financial practices? [10:08]
2. Why does Proverbs 6:1-5 emphasize urgency in freeing oneself from debt agreements? What might be the consequences of delaying this action? [12:01]
3. How does the concept of "counting the cost" in Luke 14:28 relate to financial planning and saving for the future? [19:11]
4. The sermon mentions the work ethic of ants as an analogy for financial diligence. How can this analogy be applied to our efforts to achieve financial freedom? [22:47]
#### Application Questions
1. Reflect on your current financial situation. Are there any debts that make you feel like a "slave to the lender"? What steps can you take to start reducing these debts? [10:08]
2. Have you ever co-signed a loan or guaranteed someone else's debt? How did it affect your financial freedom? What can you do to avoid such situations in the future? [12:01]
3. Think about a recent purchase influenced by marketing. How can you become more aware of marketing tactics and resist unnecessary spending? [05:41]
4. Do you have an emergency fund or "Murphy's law insurance"? If not, what steps can you take to start building one? How might this change your financial security? [19:11]
5. Consider the possessions you own. Are there items you could sell to reduce clutter and contribute to your financial goals? How can adopting a minimalist approach benefit your financial health? [20:23]
6. The sermon encourages a diligent work ethic similar to that of ants. Are there areas in your life where you can increase your efforts to achieve financial independence? What sacrifices might be necessary in the short term to reach your long-term goals? [22:47]
7. Imagine being completely debt-free. How would this change your ability to follow God's direction and make an impact in your community? What steps can you take today to move closer to this vision? [24:03]
Day 1: Resisting Consumerism's Siren Call
Marketing's pervasive influence can lead to a cycle of debt and consumerism, but awareness and resistance can pave the way to financial freedom and alignment with divine money management principles. It's essential to recognize the subtle and not-so-subtle messages that encourage spending beyond means and to actively choose a path that leads to financial stewardship and generosity. [05:56]
Hebrews 13:5 - "Keep your lives free from the love of money and be content with what you have, because God has said, 'Never will I leave you; never will I forsake you.'"
Reflection: How has marketing influenced your spending habits, and what steps can you take to resist consumerism in your life?
Day 2: Embracing Financial Freedom Over Debt
Debt is likened to a form of slavery, where one's choices and freedoms are compromised. Living within one's means and avoiding financial entanglements that can lead to bondage is not only wise but also biblically encouraged. Financial freedom allows for a life more fully dedicated to God's purposes and personal peace. [10:43]
Proverbs 22:7 - "The rich rule over the poor, and the borrower is slave to the lender."
Reflection: In what ways has debt affected your freedom, and what steps can you take to move towards financial liberation?
Day 3: Counting the Cost for Future Security
Biblical wisdom supports the practicality of saving and preparing for the future. An emergency fund can provide security and prevent reliance on credit during unforeseen circumstances. This aligns with Jesus' teachings about considering the cost before embarking on endeavors and ensures readiness for life's unexpected turns. [19:47]
Luke 14:28-30 - "Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it? For if you lay the foundation and are not able to finish it, everyone who sees it will ridicule you, saying, 'This person began to build and wasn't able to finish.'"
Reflection: Do you have a financial plan for unexpected events, and how can you start building or improving your emergency fund today?
Day 4: The Freedom of Minimalism
Accumulating possessions can lead to a cluttered life, both physically and spiritually. Embracing a minimalist approach by selling unneeded items can lighten the load and contribute to financial goals. This practice teaches contentment and stewardship, allowing for a focus on what truly matters and the ability to invest in future generations. [21:42]
1 Timothy 6:6-8 - "But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that."
Reflection: What possessions could you let go of to simplify your life and redirect resources towards more eternal purposes?
Day 5: Diligence in Pursuit of Financial Independence
The ant's work ethic is a model of diligence and perseverance, qualities necessary to achieve financial independence. Consistent effort and sometimes additional work are required to break free from debt and live a life of financial freedom. This dedication can lead to a more effective personal life and greater impact in God's kingdom. [22:32]
Proverbs 6:6-8 - "Go to the ant, you sluggard; consider its ways and be wise! It has no commander, no overseer or ruler, yet it stores its provisions in summer and gathers its food at harvest."
Reflection: What are some ways you can emulate the ant's work ethic to improve your financial situation and reduce debt?
All right, friends.
So last week we had a bit of an overview of this series with this idea that we're going to try to figure out how God wants us to use our money, not only to do good work in our communities, but to be able to save so that we can pass on to the next generation.
So they can do amazing things for the kingdom of God, and our grandchildren can do amazing things for the kingdom of God, and our great-grandchildren can do amazing things for the kingdom of God.
Does that sound like a good idea?
Y'all don't seem very excited.
Does that sound like a good idea?
Okay, glad we're on the same page.
Just a reminder, if you want to follow along with the sermon notes, you can do so by opening the church app and clicking on the worship tab and the sermon notes.
So that's helpful for some people to go with that train of thought.
So just to start us off, did you know if enough people spread a lie enough times, then we will all believe the lie is true?
I mean, let's be honest, we see it in society over a lot of things, don't we?
I mean, we deal with this when it comes to things that we know scripture teaches us is true, and yet it's now no longer the mainstream truth anymore.
But I'll just admit, I don't watch a lot of commercials.
That's because I don't like them.
I pay the extra money on all my streaming services to not have commercials.
I will not watch the free version because I hate commercials.
I just hate them.
When I discovered streaming without commercials, it changed my life.
Abigail, I think, was four the first time she ever realized she had to watch a commercial and put her show on pause.
We were in a hotel.
She didn't know what to do.
But I love college football, and I can't watch college football without watching a commercial.
It's just a fact of life.
And so I was just flabbergasted at how many banks and credit cards had commercials when I watched football.
And friends, they pay a lot of money for these commercials.
Have you ever thought, now I'm not bashing anybody, but one of the major credit cards has Taylor Swift in their commercial.
Have you all seen it?
Because you know, you can redeem your points to go to Taylor Swift.
Can you all imagine how much she's getting paid for these commercials?
I mean, she's probably getting paid a fortune.
And we've been watching Reacher at our house.
Please don't judge me for that.
So AJ loves it.
He got me watching it.
We were watching an episode the other day, and he pauses.
He goes, this episode is sponsored by TurboTax.
And I say, what?
He goes, look, every ad on all the park benches and every ad on all the billboards in this episode say TurboTax on them.
So I start looking, and he's right.
Every place in the episode there was an ad.
It all said TurboTax.
See, they're getting sneaky now because you got the people like our family that don't watch commercials, so they got to advertise to us from within the TV shows that we watch.
And you always know when there's a new car on the market because they put them in the TV shows because they want you to see how snazzy they are, right, in action.
And they got that new car in a car chase, and you're seeing that new Ford or Mercedes do amazing things in that car chase, and it never wrecks.
It always comes out of the chase perfect.
And all the other cars are doing horrible, and that one outruns everybody.
And then you're like, ooh, look at that car.
I need that car.
It outran everybody.
And it's got the little push-to-talk button.
Because see, friends, we are marketed everywhere.
Today we are the most marketed society, and half the time we don't even know it.
Anybody like me, and by the time you get finished watching TV at night, you're hungry.
And you weren't hungry when you sat down to watch TV.
And by the time you finish watching it, you are starving, and you're like, why am I so hungry?
It's because the television told me I was.
And my diet is gone, all because of the TV.
It's everywhere.
And we're trying to live like no one else, like the Bible tells us to, but it's hard when everywhere we look, we are being told to live like they do, and God's telling us to live like the Bible says.
This is when you know marketing has impacted everyone, is when people start to get emotional and even angry when you tell them that credit cards are bad.
Have you ever had that conversation?
You hear it.
But I need a credit card because I need good credit.
I need it for emergencies.
If I don't have a credit card, then banks won't believe I'm a good investment, and they won't give me a loan.
Everybody has a credit card; I have to have one.
You can't take my credit card.
You can't walk into a single store today without them trying to get you to give another credit card.
There's such an attachment to us that we can't imagine life without it.
We've been marketed that much.
So I'm curious, are we willing to change our perspective?
Because friends, perspective is everything.
Think about this in our perspective.
Perspective is everything.
Punctuation is too.
I'm not going to ask which one you read with no punctuation because it doesn't matter.
But when we change our perspective about how we look at things, we start to change our process of how we handle things.
Because you see, the world's perspective or the old way of focusing on things like credit cards and so forth is that we care about the credit score.
Has anyone looked up what the definition of a FICO score is?
Because that's what a credit score is.
The FICO score is almost all a definition of how much you have owed people in the past and how on time you have paid off your debt.
It's a debt score.
Some of it is things like bills, but a very small amount.
I'll be honest, y'all, I got a really high credit score because I have paid an absurd amount of student loans faithfully.
And they see years and years and years of faithful student loan payments, and they're like, oh, she's good with her debt, but I'm not proud of the score because that's a lot of money that has gone out of my pocket to the interest on those student loans.
I would much rather have a score that was lower and not have lost the money.
But we seem to live by this question of what's your credit score?
Do you have a good credit score?
You can't live without a good credit score.
But the question is how can we use the money we've given to add the interest, which by the way, is the banks?
Have you ever noticed how big their buildings are in the city?
We know how expensive it is to build in Jacksonville, don't we?
And they got some big old buildings.
If they weren't using our money to make a profit.
So we're going to look at some things in scripture and see what scripture has to say about it.
The first thing is out of Proverbs 6.
No, not Proverbs 6.
Proverbs 22 is the first one I'm going to look at, and it's in the NIV.
So I'm not reading it out of my translation.
The reason I chose the NIV is because the New Living tries to soften it a little bit, make it a little more politically correct.
But the NIV uses the more literal language.
The rich rule over the poor, and the borrower is slave to the lender.
If you read it in the modern, it's going to take that word slave out because that's a bit offensive to us today.
But the original language is harsh like this.
Now remember, Proverbs is the wisdom book.
God's trying to pass on knowledge to us.
And it's saying here that we don't need to owe money to people because we are enslaved to the debt.
If you have ever owed a big amount of money, not talking about a house, but other things, I will tell you, when I was still working on my student loans, I felt that.
We paid a house payment's worth of payments a month on student loans.
But friends, we worked and we worked and we worked and worked and worked and worked, and we got free.
And there's nothing more amazing than feeling like the chains that hold you are gone.
Amen.
So let's look at our passage for today, shall we?
We're in Proverbs 6.
My child, if you have put up security for a friend's debt or agreed to guarantee the debt of a stranger, if you have trapped yourself by your agreement or are caught by what you said, follow my advice and save yourself, for you have placed yourself at your friend's mercy.
Now, swallow your pride.
Go and beg to have your name erased.
Don't put it off.
Do it now.
Don't rest until you do.
Save yourself like a gazelle escaping a hunter, like a bird fleeing from a nest.
Take a lesson from the ants, you lazy bones.
Learn from the ways you become wise, though they have no prince or governor or ruler to make them work.
They labor hard all summer gathering food.
Swallow your pride.
Don't rest.
Save yourself like a gazelle escaping the hunter.
So what do we do?
So many of us sit there and go, oh, I'll never be free.
I can't be debt-free.
Faith, don't you know?
This is reality.
It's the American dream.
We have to pay for those expensive cell phones and the cars and the house.
And yeah, those student loans.
I got to save for my kids, so they only have some student loans.
And then there's the credit card for the emergencies, like Christmas, because, you know, I wasn't expecting Christmas.
Friends, this passage talks about the gazelle.
We have to get gazelle intense about saying, I am going to be free from this debt.
And I'll tell you, this phrase, the gazelle getting from the hunter, gazelles are hunted by cheetahs.
And the cheetah is the fastest mammal on land.
Did you know they can go from zero to 47 miles per hour in four leaps?
I don't know about y'all, but that's fast.
I run like four miles per hour.
And I do that for like 15 seconds.
And then I'm out on the ground, flat, okay?
So if the cheetah is the fastest running mammal, how does the gazelle outrun it?
Well, this is the thing.
The gazelle outruns the cheetah 15 out of 16 times, meaning the cheetah only gets his dinner once out of 16 times.
But the cheetah is much faster than the gazelle.
Anybody got an idea why?
What's the gazelle's motivation?
Somebody, anybody?
To stay alive!
The cheetah just wants to eat dinner.
And I bet you when the cheetah's hungry enough, he runs full speed.
Maybe he's not hungry enough every day to put 100% energy into it.
Maybe he goes, maybe that gazelle might, maybe I can sneak up on him and I can get him.
And then he goes, eh, that's a little too much work, I'll back off.
But every time that gazelle is thinking, I want to stay alive today, every day, no gazelle is going to go, maybe this is the day I just don't want to put the energy in to stay alive.
I don't think that ever happens.
So the gazelles are running for their life every time.
And we have to treat what we do with our money, God's money, like it is for our life every time because the reality is, if we don't, all that stuff the world's trying to teach takes our money from us is always going to come in the way.
So this is the whole purpose of why Dave gives this class to teach us how to free ourselves, and he's got lots of lessons.
I'm not going to go into all of that today because it's a lot, like 11 weeks' worth, so if you want to do it, come on February 11th, we'll start talking about when we're going to start a class, and all that's free for you.
But I want to go into just a couple of things from this scripture passage.
The first is back to Proverbs 22 that the borrower is the slave to the lender.
Friends, we have to stop borrowing money if we want to be free from money.
I'm going to say something; I'm sorry I'm going to say it.
If you don't have it, save it until you do have the money to buy it.
I know that's a little unpopular to say.
It's hard for us, right?
Because if we have the credit card, we can just put it on the credit card, and we'll pay it off later.
Or I don't know about y'all, but I go and buy my makeup online, and my makeup website says I can finance that too.
Or my nail polish or my shoes, and it's financed right through their website.
I don't even need a credit card; I can just finance right there.
And if I can't afford to buy the nail polish, maybe I don't need to buy it.
That sounds a little harsh.
But if we don't have the money to buy it, then let's not buy it.
See, the thing is that we're trying to keep up with everybody else, but everybody else is trying to keep up with everybody else, and the reality is everybody's spending an absurd amount of money to keep up with everybody.
And nobody has the money to do what they're doing, and they're all spending an absurd amount to make everybody else think they're doing okay.
Does that not feel like a hamster on a wheel to you?
What if we just didn't care what everybody else thought about what we spent?
Would that not set us free?
Here's the second thing in that, going into Luke 14.
We have to save.
I told you last week that Adrienne and I worked so hard to free ourselves from debt; we'd said no to a lot of things, and people weren't always happy, but we were able to save so that we could be free for whatever God had for us.
See, in Luke 14, Jesus explains that you have to count the costs, and you can't start doing things until you have what you need to build or to set forward.
Life's emergencies are not emergencies anymore when you have something to spend.
That's when you don't need an emergency credit card because you have the money for it.
The joke for me is that I like Murphy's law insurance.
When you have a Murphy's law plan, you don't need the plan.
When I have a Murphy's law fund, I have an emergency fund in case the car explodes, I'm okay.
In case my engine goes bad and I need to repair it, in case something breaks, in case somebody gets laid off, I'm okay.
In case the army decides not to pay us, we're in the army; it happens.
I love being in the army.
Then it's okay.
Christmas comes around every year; who knew that?
We save to be ready to buy Christmas presents.
This is a novel idea.
If I only have X amount of dollars to spend on Christmas, then I only spend X amount of dollars on Christmas.
We save.
The next thing of this, and friends, I'm not saying anything that I have not done over the years of my life.
Going back to that scripture passage I just read, when it said we've got to swallow our pride a little bit, sometimes you've got to sell something.
Do you all know we have more stuff in our house than other countries think that we could possibly own?
Think for a second.
We have garages sometimes that are so full that we've got to get a storage room to hold the stuff that doesn't fit in our house.
Sometimes that storage room gets full, and we've got to get another one.
Who has that much stuff that you're going to pay the money to keep this stuff?
Do the math on how much you've spent on it.
Why don't you sell some of this stuff?
Then you've got money that you can put towards your savings or your investments into retirement.
Do you know what's in the storage, and do you still use it?
Now, I'll be honest, I'm a minimalist.
I don't have a lot of stuff.
You know why I don't?
Because I move a lot.
I don't like to pack it and move it because that costs me more money to pack all that stuff.
I get rid of stuff every time I move because it's just a lot of work.
It's so easy to get rid of things we don't need, and we can take that and put it into our goals to be able to have the things to give to our future generations.
I don't want to talk about keepsakes and things that are dear and dear to our heart, but let's be honest with ourselves, is everything in our house a keepsake?
And then the other thing in this proverb is it said for us to take lessons from the ants.
Now, that's a weird analogy right there, and I guess they had lots of ants in the old days too.
But has anyone seen an ant really dedicated?
Was I the only one that liked to block the lines of the ants as a kid?
Anybody with me?
No, I'm the only mean one.
Okay.
Oh, I see some hands.
You know, I like to take the sticks and put it in their line and see how far I can make them go around.
I know, I was mean, but you know, it was just fun to watch them reroute.
But ants never give up.
And they keep working, and they keep working, and keep working.
And so this is the thing, if you're working on freeing yourselves from debt, sometimes you got to do things that you don't want to do for a little while so you can get to where you want to go.
And sometimes that means getting a part-time job and a full-time job and working to do what you have to do.
And I have worked three jobs before when we were working on freeing ourselves from debt and worked and worked and worked.
And I can hear it now, but Faith, what about my family time?
Well, I had family the whole time, and I taught my child the value of working and that it's important for us to take time when we have the time, but it's also important to provide and pay for everything we need to pay our bills for.
I'm now teaching my daughter the importance of saving.
If you came to her 10th birthday, we have started a car fund because in six years she will buy her first car with cash, and we are saving money now because the average car loan is six years, so we are saving for six years.
We raise our children in the way to go.
Friends, debt chains us.
It keeps us from doing what God wants us to do.
And we don't always think about it.
We don't always think about the weight of it or how much it controls us, and it just becomes part of life, and it just becomes bills that we pay.
But I'd love for you to think about today how much of your income goes out to things that you owe to others.
What would happen if you didn't have to do that?
How could you be free if you were 100% debt-free?
Where could God let you go?
Where could he take you?
What about our church?
Where could our church be if we were 100% debt-free?
How could we be used in the world and in the community if we didn't have any chains to anybody?
And as you think about this, I want you to dream about it this week and imagine being able to get all those letters in the mail that says that your debt has been resolved because those are amazing letters and how that would feel and to know everything you have is 100% yours.
And as you dream, remember to join us on February 11th as we think about how to do it together.
Would you pray with me?
Almighty God, we're thankful for all that you give us, but we want to use it wisely.
So show us how and how to step forward and use your gifts to the best of our ability.
If we have things in our life that we need to be able to manage in different ways, I hope you'll show us so that we can be set free.
Lord, we ask for you to set us free from our sins, but sometimes we don't give everything to you.
So in this day, we ask that you help us to give you the power over all that we have.
The hardest thing sometimes, God, to give is control over our finances.
So help us so that that does not weigh us down and keep us from being the people you want us to be.
We pray this in your holy name.
Amen.
1) "Friends, debt chains us. It keeps us from doing what God wants us to do. We don't always think about the weight of it or how much it controls us and it just becomes part of life." [23:41] (Download)
2) "We are the most marketed society, and half the time we don't even know it. We're trying to live like no one else, like the Bible tells us to, but it's hard when everywhere we look, we are being told to live like they do." [05:56] (Download)
3) "The borrower is the slave to the lender. Friends, we have to stop borrowing money if we want to be free from money. If you don't have it, save it until you do have the money to buy it." [17:11] (Download)
4) "Life's emergencies are not emergencies anymore when you have something to spend. That's when you don't need an emergency credit card because you have the money for it." [19:47] (Download)
5) "We have more stuff in our house than other countries think that we could possibly own. Why don't you sell some of this stuff? Then you've got money that you can put towards your savings or your investments into retirement." [20:44] (Download)
6) "If you're working on freeing yourselves from debt, sometimes you got to do things that you don't want to do for a little while so you can get to where you want to go." [22:32] (Download)
7) "We raise our children in the way to go. I'm now teaching my daughter the importance of saving. We are saving money now because the average car loan is six years, so we are saving for six years." [23:41] (Download)
8) "What if we just didn't care what everybody else thought about what we spent? Would that not set us free?" [18:26] (Download)
9) "How could you be free if you were 100% debt free? Where could God let you go? What about our church? Where could our church be if we were 100% debt free?" [24:53] (Download)
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