you with me? Amen. Good morning. Good. Let's try it again. Good morning. Good morning. Thank you for being here. I love that, what we just sang: I will not be shaken. Come on, let's say that together: I will not be shaken. What an appropriate statement with this Tuesday just coming up. Come on. Yeah. Are you alive? Anybody alive? You here? Come on, let's say that phrase again: I will not. I will not be shaken. One more time: I will not be shaken. Come on, if you're comfortable with this, put your hands out to the Lord.
You know, I want us to stop. We're going to pray. The election's coming up. I saw a statistic that 32 million Bible-believing, church-going Christians are thinking about sitting this election out. Part of me understands that, but part of me, you know, I'm thinking, if we don't help make decisions, other people will make them for us. Are you here? So maybe that's you. I'm just encouraging you. Thank God for the country we get to live in. There's a lot of places that aren't free, that you're just told who you are, who your leaders are. We have an opportunity to go out. We participate in that.
Pastor Charlie, are you worried? Not an ounce. Not even a little bit. Come on. I know that Jesus is king. He's the Lord. He was crucified. He rose from the dead. He's seated at the right hand of the Father. Scripture says all the kingdoms of the earth are his kingdoms. He rules and he reigns. So whatever happens, I'm at total peace, and the church is moving on. Come on, in Jesus' name. You got your hands up? Let's just do what we do as believers. You pray right where you are. Let's just begin to pray. Just about 60 seconds.
Lord, it's good to be in your house. Musicians, honor the Lord in your instruments. Singers, worship the Lord. Come on, let's just connect with the Lord right now. God, it's good to be in your house. Good to be with your people. Lord, we worship you. We pray that the things that divide our nation, God, would not take root. Lord, help us to come together. God, we give the results, Lord, to you, God. We ask for your help, God. We ask for your strength, God. We ask for your presence, Lord.
Lord, we pray for our nation, God, but we also pray for the church, Lord. Help us to be the people, the people of God that you called us to be, Lord. May this be the best season, Lord, for your family, for your church, God. May we continue to win more and more people back to you. Lord, may we be peacemakers, bridge builders, Lord God. Lord, may people, Lord, tangibly taste and see, Lord, that you're good, God. Lord, thank you for this nation, God, that we get. Lord, thank you for the liberties, God, that we get to have and enjoy, God. Lord, may your church rise up. Lord, in Jesus' name, we pray. Everybody said amen.
Amen. Let's put our hands together just one more time, Lord. I feel my strength. I feel my strength being renewed. In Jesus' name. In Jesus' name. Everybody said amen. Amen. I want you to turn around to a couple of people. Just say good morning. Give them a fist pump. Good to see you. Good to see you. Good morning. Glad you're here.
Hey, Community Church, Pastor Charlie here, and I'd like to take just a moment and remind us of the impact our giving is having. You know, our church's mission is to love people the same way that God loves us, and we do that through what we call four love lanes. You know, love lane number one is the next generation. We do that through See Kids, our kids ministry, Firescape, that's our middle and high school ministry, and we also do it through our amazing Christian service. We do that through our Christian service, and we do that through our school, Virginia Academy.
You know, right now, our church is expanding. Over 60,000 square feet of expansion to our building, an amazing gymnasium, nine classrooms, science labs, a library. What are we doing, Pastor Charlie? We're making room for more students so they can hit the mark for which they were created. You know, love lane number two is all our local partners. That includes the Loudon Abused Women's Shelter, Loudon Hungry League, and we're also doing a little bit with the Down Syndrome Association. I could go on and on, but we're in vital connection with our local community, and it's our dream to help them fulfill their dream.
You know, love lane number three is our nation. We want to see a life-giving church planted and thriving in every community in our nation, and we're helping do that. You know, in fact, there have been two great churches that have come out of this church that we've helped plant. There's Movement Church in Charlottesville and Heights Church in Richmond. They're both doing great because of our giving here, and our nation is better for it.
Love lane number four is all our global partners. You know, we're blessing the nations of Peru, two great churches there, Camino de Vida and Cathedral of Faith. In the DR Congo, helping women in one of the most difficult places in the world to be a woman today. We're in Bucharest, Romania, and we're with Hope in Kenya and Tanzania. Isn't that incredible? This is like a one-stop shop for charitable giving. You know, when you give here, when you invest in the kingdom of God, the investment is diversified and blesses all kinds of people. Come on, are you partnering with us? If not, why not? Know this is good soil.
You know, as you leave today, there are going to be giving boxes, or you can scan the QR code on the screen, or you can do like most of us, just download our app, and you can give that way. Thanks again, and remember, together, let's keep facilitating miracles. Again, thank you so much for being here this morning. Did you receive a note sheet when you came in? If you did not, raise your hands quickly. You can lift your hands up, and we'll make sure you have something to follow along with, because we are a note-taking church.
Now, I'm going to, please excuse me for the pleasantries at the beginning. I'm going to jump right into it because we have so much material to get through. Come on, keep your hands up. Seriously, I'm talking to you. We're a note-taking church. Some of you do that through our app, but we actually believe that the Spirit of God is going to bring some clarity to our lives. It's better that you write it down so you don't forget it when you need it the most on Monday, or Tuesday, or Wednesday of this week.
We're in a mini-series. We started last week, and I'm going to try to finish it off this week. If you listen quickly, and I talk quickly, we'll be able to get through this. I've spoken many messages on the 10%, but what about the other 90%? This is what this is about: six biblical principles on building wealth. Are you here? You ready? Got your notes here? Six biblical principles on building wealth.
There seems to be, here's the presupposition from the very beginning. By the way, for those who are new with us, engage your minds. Disagree with me if you want to, but at least be a thinking person. Have reasons for doing so. I'm going to reason with you for a little bit. There seems to be within the Christian faith principles, within the scriptures, that if applied to our lives, if seriously applied and put into practice, instead of limiting our ability, instead of restricting our ability to build wealth, it seems if we apply them to actually attract wealth.
It seems if we apply them to actually attract wealth in our lives. Instead of biblical principles hindering us from being wildly successful, from succeeding to achieving at high levels, to building wealth in our lives, to being great leaders, to building great companies, there's something about the Christian faith, if we take it seriously, that changes the soil and the atmosphere in our lives that causes us to prosper.
Now, last week, I gave you two examples of Christian businessmen and women who integrated their Christian faith and biblical principles into the marketplace, into what they did Monday through Friday, and instead of restricting their ability to succeed at high levels, it was like gasoline was poured, and they became wildly successful. Let me just give you just a couple of quick examples, reminders.
Truett Cathy, who started Chick-fil-A, was passionate about his Christianity and integrating his faith with his business. One example of that is he closed his restaurant on Sunday. And you would think, in a business book, you would think that there is no way he's going to be successful because he's only open six days when his competitors are open seven days. Has integrating his faith, has putting faith over profits hindered Chick-fil-A from being wildly successful?
Now, where did he get that idea that we're going to work six days, but one day we're going to stop? One day we're going to stop, and we're going to worship the Lord and give people an opportunity to stop and acknowledge God. Well, it came from scripture. It didn't seem to hinder him. Now, someone, I told you I was going to talk quick. Someone needs to start listening. God's all ready. In fact, let's just stop. I jumped in a little too quick. Uh, let's pray.
Let's pray. Let's pray. Lord, it's good to be in your house. Good to be with your people. Lord, there's many of us who came, whether we realize it or not, God, we need help. Some of us have been asking, "Lord, I need your help." And I just, I believe with all my heart, and I declare that help is on the way. Lord, I pray that there is something that would be said today, God, that would help bring clarity. And Lord, I thank you that we're going to leave your house better than when we came in, in Jesus' name. Come on, in Jesus' name. All of us said amen.
That doesn't make sense. You don't learn that in a business book. Exactly. You learn these principles in scripture. How could we be more successful than our competitors when they're operating seven days a week and we're closed one of those days? There might be something to this. That's what we're talking about. We have to be reasoning people.
How about David Green, who started his company, Hobby Lobby? From the very beginning, his first store, he said, "You know what? We're going to take 10% of our profits and we're going to give it away to kingdom-expanding causes so a little heaven can be brought down to planet earth." Where in the world did he get that idea? Well, that idea, come on, are you here? You were here last week. That idea came from scripture. Did that hinder Hobby Lobby from becoming wildly successful where today they're an $8 billion a year company?
How about Mary Kay Ash? Mary Kay Ash, who built one of the great cosmetic businesses, sold it for all kinds, built tremendous wealth, and had a passion. Her passionate priorities were God first. Everybody say God first. God first, family second, business third. What? Come on, say God first, family second, my career, my business, family third. Did that principle hinder her from becoming wildly successful?
Some of us, God is already right there giving you clarity, and we can stop church and leave if you would just put it into practice. The problem is that you're hitting a limit is because your business has gotten out of its place in our life. God first. Where did that idea come from? Jesus said, "Seek first." This is what he said. Do we really believe him and trust him?
"Seek first the kingdom of God." Seek first the kingdom of God and what God wants, and all these other things will be added to you. Oh Lord, oh Lord, help us. So pastor, what's our prayer? My prayer is that through this, even though over 90%, no, actually, even though 78% of Americans live paycheck to paycheck, I'm believing that that will not be the testimony in God's house. Are you here in this place?
That God, some of us are going to make some decisions in this last Sunday and to this Sunday to make some decisions where we're going to end up in a different trajectory in our lives where we are not just working a job so we can pay the bills, but we will work a job where we have more than enough, not just for our families, not just for our future, but so that we can be what God has called us to be, so that we are blessed so that we can be a blessing in Jesus' name. That's what I'm driving at. That's what my prayer is in Jesus' name.
Six biblical principles. First one's in review. We talked about these last week. And so I want to re-preach them, but I can't. You ready? Review number one. The first principle is let's acknowledge, let's respect the idea and value, appreciate the value of money. What do you mean by that, Pastor Charlie? I can't re-preach it, but let's value what money can actually do.
The wealthiest man, he's on that list. We can give many more. The wealthiest man that America has ever produced, when he got his first paycheck at 16 years old, he was a bookkeeper. The very first thing he did was take the first 10%, went to his church and honored God. "God, this is for you. I worship you. You're first in my life." And he never changed that principle, no matter how wealthy he got.
What did John D. Rockefeller do with all that increase that he grew, grew, grew a tremendous business? Here's some thoughts. The first thing he did was he blessed his church. That was his first artist church, but his church didn't have enough vision. He had more money than his church had vision for. So he didn't just build his church and what this church needed, but he built other churches. He built not a school; he built a lot of Christian schools. He built the University of Chicago, built not a hospital; he built hospitals, built medical research centers, eradicated the hookworm disease, which was big at that time.
We could go on and on. I want you to just appreciate just for a minute what money can do. One of the greatest strategies of the devil is to keep resources, to keep wealth out of the right people's hands. Are you here? And one of the ways he does that is to lure Christian people to sleep and to keep them from a desire to actually achieve at high levels, to think that what I do in the marketplace is important because, Lord, that's my worship to you. And that can be used to bring glory and honor to you.
I pray that God, I pray that God begins, especially in a young person here, to awaken a desire to build, to achieve, to excel at what I do Monday through Friday so my success, my achievement can increase for the glory of God.
Review number two: Christians, God not only redeems our soul, but God redeems what we do Monday through Friday. God wants to save the totality of our lives. He doesn't just want to forgive you of your sins; he wants your work to have new purpose. There it is, number two, the Christian principle.
It's Christians always see their work as worship. We work energetically, enthusiastically. We don't work like the rest of the world works. We go to work with a pep in our step. There's energy in our step. Why? We work as if we're working for—come on, are you here?—working for the Lord. That word enthusiastically literally means like the spirit of God. I'm enthused with the spirit of God.
Here's the principle: Colossians 3:23, whatever you do—come on, say whatever you do—whatever you do, I'm raking gravel, I'm a teacher, I'm pushing the buggy cart back for Wegmans, I'm an analyst, I'm whatever. Whatever you do, here's the Christian perspective. The world doesn't have this perspective, but the Christian perspective is I do it not with half of my heart. Some of us heard last week a limit for our gaining wealth is because we go to work with half of our hearts, and that's not how Christians approach work.
There's purpose for us. God wants me to be blessed in my work so I can be a blessing. So we work differently from everybody else. Whatever you do—come on, say whatever you do—whatever you do, work at it with what? With all of your heart. The next phrase is what? As though you were working for the Lord. Stop working for corporate. Stop just working for the old man or the old woman or the old business or old this. See yourself as I'm working for the Lord.
In fact, the Christian paradigm just always elevates people. When it goes into a neighborhood, it starts lifting people up. Why? Because they work differently than everybody else. I don't see this as just a humdrum job. I see my Monday through Friday as redeemed for the Lord. In fact, for the Christian, the majority of my worship is not an hour on Sunday morning. Thank you, Pastor Charlie. I just thank you so much. The majority of my worship happens Monday through Friday. That's my worship. That's where I'm really practicing my worship.
Lord, I'm bringing everything I learned; I'm bringing that into the principles of Monday through Friday. Lord, I'm working for you. In fact, for the Christian, when I sit down for my quarterly review and my boss is telling me all this, it's really not a job review; it's my worship review. This represents how I'm serving you. My attitude represents, Lord, how I'm—my attitude towards you. It changes everything. Work enthusiastically. Lord, I'm doing this for—I gotta stop. I can't re-preach that.
Okay, let's jump in the new stuff. Those are the first two principles. Say, "Pastor Charlie, I want to learn more." Go back last week. Let's do it. Third principle, by the way, you can sit there and say, "You know what? I'll just have it your way." Where I'm just reasoning with you, these principles seem to lift people up.
Okay, the third biblical principle for the other 90% building wealth in our lives is saving. Saving. Saving. Say, "Thank you, Pastor Charlie." Saving. Everything. Come on, say everything. Everything. We can—57% of us have less than a thousand dollars in the bank in savings. Let's go to scripture and see what scripture says: Proverbs 13:11. If it's up there, you know it. Come on, read it with me: Money that comes easily disappears.
Now stop right there. Keep the scripture up there. You know we could stop and give you example after example. Do you agree with that? There are real-life examples. Won the lottery, and a year later, where is it? This is real-life stuff. Maybe there's something to this. That's what I want—just a crack in your mind. Maybe God's trying to help me out here. Money that comes quickly disappears quickly.
But let's keep going. But money that is gathered little—come on, turn to somebody and say savings—little by little. I'm going to put—I'm going to put a hundred dollars a week. I'm sorry, $100 a month. Someone's there. $100 a month. $300 a month. Say little by little. Little by little, it will grow. Proverbs 21:20: A wise man saves for the future, but the foolish man spends whatever he gets. Amen. Thank you, Pastor.
Come on, say a wise man. A wise person. By the way, in Hebrew, that word foolish doesn't carry the same weight today in the 21st century as it did 1,000 years ago. When you called someone a fool, that was probably the lowest, dirtiest, cursed word—just filthy. A person who just spends everything they have. I look at another translation. I know we don't say this word in church, but here's another translation: It's that same verse: Stupid people spend their money as fast as they get it.
Now, nobody in here. That's none of us. None of us in here. But the best example of this saving in scripture that I was thinking of was Joseph. Pharaoh in Egypt. The Hebrew people have left the promised land, and they're in Egypt, a foreign land, foreign gods. And Joseph is serving the Jews. He's serving the Jews.
And Pharaoh's looking at different people and different administrators, different employees. And there's something different about Joseph. In fact, Pharaoh says—remember, Pharaoh, he worships all kinds of Egyptian gods—he said, "It's as if the spirit of the gods are in you." In other words, you approach work differently. There's an energy in yourself. There's a wisdom about you. There's something solid about you.
And Joseph didn't have time to explain the one and true God, and the spirit of God was on his side. I mean... And he just lived life differently than everybody else did. But Pharaoh saw that quickly and promoted him. I want you to be in charge of the economy here and just give us some advice. So you can read this in Genesis 41. Joseph says, "Well, during the years that we have enough, let's set aside one-fifth." What percentage is that? Come on, guys. What percentage is one-fifth? I'm calling 20%.
Some of you are still stunned we're talking about money right now. You're just sitting there. Just relax. Relax. This might be the one place left on planet Earth where you can stop and really think about the direction of our lives. "Well, Pharaoh, I think we should set aside 20% of everything that we bring in and store it up. There may be a time when it comes in the future that we're going to need that."
Sure enough, seven years of plenty, they were storing up, storing up, and storing up. And then a great famine came on the then-known world at the time. And because they had savings—listen to me—when everybody else was... There was an economic decline, Pharaoh had an opportunity to become even more wealthy. How did that happen? Well, they were saving, they were saving, they were saving. A famine came, and then people said, "When we go to get food, I know we can go to Joseph."
So they brought their money to Joseph, and Joseph had a storehouse, plenty of food. And so he took their money. The scripture says—now I'm sure this is hyperbole, a little bit of exaggeration—but the writer says that the then-known world came to Joseph, and pretty soon everybody was out of money. Who had all the money? Guys, I'm not tricking you. I know it's hard to believe. He had all the money. Even more wildly wealthy.
So then the scripture says people had no money left, so they started to bring their real estate. And who became the greatest owner of real estate? Joseph did. Why? Here. Lord, may the spirit of Joseph, may he be instructing us even today. Even today. Why? Because he was a wise man. Didn't we just read? A foolish person just... But a wise person. I'm going to set some aside.
Let Joseph teach us today. So here's the idea: if we're not saving anything, start today. Start today. Here's an idea in your notes. Here's a financial, biblical financial goal. Please, young people, I hope there's some young people here. Just listen. Just take a note. Just start right in front of me. Have you ever been in a service before and you're like, "Pastor, I wish I'd have heard that 25 years ago"?
Anybody here? Any real people here? Yeah. Me. Yeah. But let me say, if that's you, you're listening right now, "Man, I wish I'd have heard that 25 years ago." The God that we read about in the Bible is always a redeemer. It's never too late. He can redeem the lost years that we've been through. He fumbled around and messed up. And when we turn to him, he can help us gain those back in Jesus' name. Are you here? Come on.
Here's a financial goal: start living by the 10-10-80 rule. What's the 10-10-80 rule? Lord, 10%, 10% yours. First and foremost, you're God. I acknowledge you. You're not going to limit me. In fact, Lord, 90% with you goes further than 100% with me. How does six days go further than seven days? It doesn't make sense. Yeah, it doesn't make sense.
Somehow God's hand upon our lives blesses our lives. Are you here? You're 10. Lord, I'm going to honor you. The other 10%, Lord, I'm going to save. And I'm going to start learning how to live my life on the 80%. Now, there are some young people here that you could live your life on 20%. And you could start saving six—you could start saving almost everything you bring in.
I was reminded that, um, I was, uh, 26 years ago, our church—I was 24 years old. And, uh, our church was stretching. My dad was pastor then. We had a little congregation. He said, "There's 50 acres on Route 7, and it's for sale. We can never afford it, but let's pray. And let's bring an offering, a special offering. This isn't our tithe. Let's bring a special offering to the Lord."
I'm 24 years old. I had been living in my parents' basement for two years. Not the coolest thing in the world. Trying to find a wife, trying to do all this stuff. But I was able to save, eat food at my parents' house. Anytime someone in the church family said, "Hey, you want to go for lunch?" I'd be like, "Yeah." Because back then, you know, I was 22 years old, and that usually meant they paid. I'd just eat anywhere I could. I invited someone's house. I'd go there and eat.
I remember—I don't know why I'm going to tell this, but I remember one story. A family came up to me, and I guess they felt sorry for me, but they said, "Charlie, we want to take you out to—uh, it wasn't Dick's back then; it was Sports Authority. We want to go to Sports Authority. Is it all right if we buy you a pair of shoes?" And I thought it was a little awkward. I was like, I looked down at my shoes, but I guess they looked torn and beat up, and just—they were trying to help me out. And I said, "Sure."
So we went to Sports Authority, and I picked out a pair of shoes, and then they bought them. I put them on, wore them. But every chance—why? I was saving. And I came across—this is called a check. For those who don't know, parents explain this later. What? They're standing there holding up—it's endorsed by the bank back here.
But, um, now I'm trying to save for a ring, I'm trying to save for a house, I'm trying to save all these things, but I had some sa—I had some savings. But this was written in the Community Church, and in the memo line, it says "50-acre pledge." Our church was raising—our church was raising money, and it's $10,000.
By the way, I was thinking, by a kid—kid, if you're in your 20s or you're in high school or you're in college, don't just say, "I'll wait to think about that later." No. You're a part of the church now. Now. And these principles can begin to work in your life now. I think about a little kid.
Now, by the way, our church wasn't very big, but there were probably a hundred or so other families that pledged and gave money to get this property. And now look where we are 26 years later. You talk about an eternal return on investment. That's what it looks like to help the kingdom become visible and tangible in the earth. Lord, let your will be done on earth just like it is in heaven.
And I think here we are. We're just expanding and all these things. So saving, saving, saving. Everything I—everything I—well, I can't say, Pastor Charlie. If I could just tell you. Well, that brings us to number four. Biblical principle is to constantly—everyone say constantly. This is something we do over and over. We watch our expenses. Constantly watch.
Husbands, this isn't the right time to elbow your spouse or spouses. You know, just look straight ahead. Don't get in trouble, please, right now. But we constantly watch, watch, cut expenses. I could not believe the statistic when I read this. But unless this cycle right here is broken—listen to me—unless this negative cycle is broken, we will never reach our full potential. We'll never move from just living paycheck to paycheck. We'll never start building real wealth in our lives.
Not just so we can have it, but so we can be a blessing. This is the sixth—this is that 90% of us spend more than we make. Now folks, only the federal government can do that. We can't just go in our basements and print more money. I hope you're not doing that. We live—come on, say we live in the real world.
And here's the problem. Here's the challenge. As our income grows, we tend to grow our expenses. Here's the question in your notes. I think it's in your notes. You can read it with me. What if we kept our expenses the same even when our income grew, and we took that extra and we put it into savings? Put it into savings. What would happen?
There's a funny Saturday Night Live skit about this idea of spending more than we have. I want to play it real quick for us. So, Sam Walton was another example of a Christian businessman who integrated his Christian principles into his business. And instead of limiting his business, those principles seemed to bless and expand his business. But Sam Walton of Walmart still drove the same pickup truck that he had all along, even though his business was wildly successful.
He still drove it to work. It goes back to when our income grows. Why not, instead of letting our expenses grow to be with it, we keep that in check and put that in savings? Look at 1 Timothy 6:6. True, if it's up there, read it with me if you would. True godliness with contentment—oh, goodness. God's trying to help us.
Let's read that sentence again. True godliness with what? With contentment is what? It's great wealth. You know, a lot of us in here, we can be godly, but we can at the same time be lacking contentment. And so, great wealth, prosperity, the ability to be a blessing, it eludes us. But great wealth with contentment—look what this says. After all, let's keep reading. Verse 7: We brought nothing with us when we came into the world, and we can't take Costco with us when we leave.
You know what that one sentence says when we're making purchases and we're thinking about contentment? Just keep an eternal perspective. This life is not all there is. It's not all there is. But godliness with contentment—great wealth. So, verse 8, the conclusion to all this. So, if we have enough—read it with me. So, if we have enough food and clothing, let us—come on, let's say it again—let us be content.
But, but, but people who long to be rich or just to have stuff fall into what? Temptation. Trapped. Many foolish and harmful desires that plunge them— you know, I feel like in my heart there's somebody—there may be several of us in here, you're in that place. You say, "Pastor, I've made some poor decisions, some bad decisions, or things that turned out, you know, the way I thought." And I feel stuck right here. It's not too late.
It's not too late to today, with all of your heart, just begin to turn to the Lord. Look what Jesus said. He's talking about this idea of contentment as well. Jesus said, "Prayer, guard against every—" say every kind. They're not just one form, but every kind of greed. Life is not measured—are you here? Are you a real person? Do you know what it is to be tempted with stuff?
Come on. I remember a couple of years ago, I was invited—I invited a friend over to come watch the football game. And I kid you not, he said, "But your screen is too small." And it was small, by the way. It was small, you know. We all—if we all get in the room, we're not going to be able to see the football game. And everything in me, I want to go straight to Costco and just get a ginormous one and put it up on the wall.
We all feel that, but Lord, I pray that we would marry our Christianity, our godliness, our coming to church for an hour, our singing songs and our praying, that we would marry that. And I'm going to say it again. You know, there's that book, The Millionaire Next Door. I know you've heard it before. But there are many people who might be sitting right next to you or your neighbors who are doing—they're well off, fine. But they don't have to have all the stuff that takes away their resources.
I was blown away by this, but I'm going to use this story again. I was reading Titan, the story of Rockefeller. And he's made millions. He does not have to do this, by the way. He was known for this cutting expenses. He's walking the factory floor, and they're making the oil drums where they store the crude oil. And he sees guys soldering the oil drums, and he says, "How many soldering points does it take to seal the can of oil?" And he said, "32, sir."
And he said, "What if we did 31?" And they said, "Well, the engineers, you know, did all the science, and they figured out this is how many points you need to seal the can, and we're afraid if we just do 31 that it could break, and we'd lose the oil." He said, "Well, let's try it." That one decision—because now they're doing millions of barrels of oil—that one decision cost less of the iron that they used and saved the company hundreds of millions of dollars.
Rockefeller, you don't have to do that. You've already made enough. But this is a principle that builds wealth constantly. I'm never going to stop. Is there a way that we can manage this better? Is there a way that we can save? Now, the word—that's a curse word for many of us in here—the word that helps us do this, how do we do that, is a budget.
Thank you, Pastor Charlie, for saying the word budget. We got introduced to a better word here at the church. Instead of the word budget, because when I hear budget, I automatically, you know, boring, limiting, putting me in a harness. A better word for budget—a better word for budget is an annual plan. Or how about this? What's your strategic plan? You start talking to me about what's our strategic plan, then we can get into it.
Dr. John Maxwell said this about a budget: A budget is people telling their money where to go instead of wondering where it went. So here's the question I want to ask us as we're thinking about, "Lord, I don't want you just to save my soul, but save my life. Save my finances, save my pocketbook, save my bank account." Say, "Lord, I want to be a blessing."
What expenses are we going to cut? What expenses are we going to cut so we can save more? You know, one of the big ones that you can think about is, how about subscriptions? Pastor Mike just—imagine how big this family is and all the subscriptions that this church has just to do church. This was painstaking. Pastor Mike took the entire church and said, "Whoa, whoa, whoa, whoa, whoa. Let's look at all the—literally, I think it was like—honey, how many? There were like 50 subscriptions, all kinds of things. Subscriptions.
How about—it's not five bucks anymore. I was going to say Starbucks; it's $8.50. And you start thinking about where can we save? Someone told Jill and me about an app. What was that? An app called—you could put your stuff in, and it analyzes your subscriptions to make sure you're not double. You don't have two—doesn't matter. Anyway, I was so excited, but I said, "Honey, let's get this." She got the app, and we put all the information in. Tell us all the subscriptions that we're paying twice, we're paying three here.
And I'd heard, "You're going to save $150 a month." You're going to have people save $300 a month because they don't even know. Don't even take track of it. Jill did it all. And we found out that we had no double subscriptions. And we weren't saving anything because Jill was so good at managing that stuff. But it's something—listen, it's something that you can—
So fifth, we ask ourselves, now we're saving, what are we going to do with the savings? Biblical principle. Biblical principle number five is from your savings, start paying off—these are important words—bad debt. Everyone say bad debt. Not all debt's bad, but bad debt. And start investing. Let's talk about those two words: bad debt. Proverbs 22:7 says, if it's up there, read it with me: The borrower is slave to the lender.
The Lord never meant for us to be slaves in whatever area—slaves to our appetite, slaves financially. God designed us to live free. So Lord help us. Some of us in here, you're going to start on a path that's going to lead to freedom. Bad debt, what is bad debt? Great—the rule of thumb is any credit card debt is bad debt. Any credit card—anything with an interest rate over 7%.
Average credit card debt for Americans is $7,000. The average interest rate on that credit card, what do you think it would be? Yes, how much? About 23%, 23-24%. So as we begin to save, the first thing we're going to do is start taking a portion of that saving—not all of the savings, not all the savings—a portion of that savings and start working on the bad debt and start paying it down.
Young people, college students, please listen to me. If you don't have credit card debt, don't get it. Come on, I should have had some parents saying amen. You're listening to here. I remember being in college, and I got like 10 applications for credit cards. This was years ago. I thought out a whole bunch of lot about how much I was making, said all this kind of stuff. Just see if I get one. And I got one. I could spend $500.
Come on, say credit cards. Credit cards. I'm going to start paying off bad debt. But from our savings, we don't just start paying off bad debt until it's completely paid off, but we also start investing—investing. In other words, we let our money start working for us. When we're sitting in church, it's working for us. When we're on vacation, it's still working. Are you here? Letting our money work for us.
How in the world do we do that? Three quick areas to consider. Jill and I just learned about this, and we moved money from a regular savings account that was at 0.3% to 10%. So we're not putting money into that. We're not putting money—a high-interest savings account. Many of you who are in finance, this is all A, B, C, D, E, F, G. You're so advanced. But for a lot of us, we're just, you know, high-interest savings account. It's not 0.3%, but ours we're sitting in is 5%.
You know, there's a big difference between 5% and 0.3%. Are you here? Investing. Second area to consider is stocks. Just as simple, something as simple as the S&P 500 doubles every—on average, doubles every seven years. Pastor Charlie, woo, way over my head. No idea what you're talking about when you say stocks. I can be there too. I don't understand all that, but I understand this principle in scripture.
Look at Proverbs 15:22. Get all the good advice you can, and you will—That's about as weak as it can be. Can we read that together? Get all the good advice you can, and you will succeed. Without it, if you say, "Pastor Charlie, I had no idea." Look at this church family. There are people who are incredibly wise and successful in this that you could just have a conversation with and learn one simple little idea and learn.
Well, how would I do that? I really don't know anybody here. For goodness sakes, after the service, go to the welcome table and say, "Here I am. I want to start meeting some people." Really become a part of the church. In Jesus' name. Well, I don't want to do that. Okay, okay. You don't have to do any of this. You don't have to do any of that.
Or maybe you want to consider maybe God's way is better. Proverbs 12:15: The way of a fool seems right to them, but the wise listen to—oh goodness—advice. So that $2 just in the S&P comes $4. In seven years. Are you here? $100,000 becomes $200,000. Or you can just keep it over here and it do nothing. Come on, we have our money working for us.
Third way—there are many other ways that we can invest, but the third way is real estate. I'm so thankful for my dad. I can hear him in my ears now as I was a young man. "Son, I was just getting married. He was like, 'Son, if there's any way we can do it, I don't want you to be a renter. I want you to be an owner.'"
And we got Jill, and I got into our first house by the skin of our teeth. Just barely got our little townhouse. And it might as well have been a mansion for us. We just thought, "Man, this is the greatest thing to start our little family." In four years, that little townhouse, we sold for over double what we purchased. And you know what? Our little family took another step up.
Our next home, we were in 18 years. We sold that. Almost did the exact same thing. And you know what our little family did? Took another step up. Just a thought. Lord, from what I'm saving, I'm going to start getting rid of the bad. And Lord, I'm going to start investing some of that.
Finally, the sixth principle is to watch your friends. Watch your friend group carefully. This is a law baked into the universe. You're no exception. But here's the idea: we become like those that we're around. We become like those that we associate with. There are so many scriptures on this. In fact, can we read some of them just quickly? I want you to read them with me.
Proverbs 12:26: The righteous choose their friends carefully, but the way of the wicked does what? Leads them astray. Proverbs 22:24: Do not make friends with a hot-tempered person; do not associate with one easily angered, or you may learn their ways and become an angry person yourself. If you're friends with four negative people, don't be surprised if you're the fifth negative person.
If your close friends are—you have four close friends who are completely out of shape, don't be surprised if you're the fifth one that's completely out of shape and undisciplined in your life. If you have four friends who are disciplined, energized, going somewhere, they have faith, they have vision, that they're trying to achieve something, don't be surprised if you're the fifth one that has desire and wanting to achieve and has faith and has vision for something in their life.
Well, Pastor Charlie, where in the world do I get those friends? You find those friends in the right atmosphere and soil. You'll find them in the house of God. But don't just think they're going to appear out of nowhere. God wants to see a little effort on our part. So I go to the welcome table. I say, "Hey, I heard there's connect groups here," and we put ourselves out there and watch the Holy Spirit do what the Holy Spirit does. But we have to do our part as well in Jesus' name.
1 Corinthians 15:33: Don't be—don't be misled. Come on, say don't be misled. Turn to somebody right now and say don't be misled. Don't be tricked. Bad company—bad company just stays where it is. No, no, no, no, no. Parents, you know this about your kids. Come on, we know this about your kids. God knows us about his kids. And you might be a grown-up, but in God's eyes, you're still a grown-up—a kid. You're my kid.
And you've been hanging around those negative people long enough. Time you get involved in a faith-filled, vision-filled church. Have some dreams about your life. That bad company corrupts our souls. Proverbs 13:20: Walk with the wise and become wise, for a companion of fools suffers harm.
By the way, let me just close with this thought. We become like those we associate with. You can find doubt-filled, negative, small-minded—there it is—small-minded, lacking faith people inside the church too. Be careful. I remember several years ago, we were dreaming that I think we could expand. I think we're called to expand.
And I was sharing with a couple of good people, godly people in the church. I was sharing with a couple of good people, godly people in the church. And I was church. I said, "The big gift's coming up, and I'm really wrestling with this. I've never done this before. I've never asked the church and our big gift. I think we should have a goal." Really? What's the goal? I think the goal should be—I don't know if I can say it.
Well, what is it, Pastor Charlie? I think the goal should be—I think the goal should be two—two million dollars. Two million dollars. Oh, I know, but I've got to be honest with you. I'm a little afraid. I've never asked for that kind of money. I'm not sure we should do that. You know, after all, there are people who are just making by.
Now listen, there's people just making by, just living paycheck to paycheck. You come out and say, "We need two million dollars." Well, you know, how are people going to feel? They can't do that. I said, "Wow, that's true." And I thank God. I got around some other people. I said, "I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. I'm not sure. 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on Nov 03, 2024
