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Proven Biblical Money Principles - Dave Ramsey

Proven Biblical Money Principles - Dave Ramsey
Clemson had a pretty good day too didn't they? And South Carolina didn't lose as bad as they were supposed to so it was a pretty good day all the way around. Let's pray. Lord, we thank you. Father as a group we now do what your word says we come boldly before your throne with our petitions. Father you know I can do these talks by myself, but they sure are better when you do them. So we just ask you invade this time and you own this time and you redeem this time with your spirit. In Jesus name, Amen. How many of you grew up like I did: not rich? I grew up in Antioch, Tennessee a suburb of Nashville and it was not the poor end of town but it sure wasn't the rich end of town. Just workin folk, you know what I'm talking about. My dad thought work was a verb, he didn't think it was management theory. So when we went off to college while was going through four years of school we worked 40 to 60 hours a week some of y'all worked when you were in college. How many of y'all worked when you were in college? You know what I'm talking about. And none of you died from it, the ones that died aren't here so... These days they call that child abuse, you ask your kid to work in college you know. Little Jimmy, Little Jimmy needs to study. Little Jimmy's playing beer pong he needs a job. So that's how I grew up and so, Sharon and I, my wife and I we meet, we get married, we start off with nothing. How many of y'all started off with nothing?...
proven biblical money principles   dave ramsey
You remember we ain't got

money

honey but we got love. Good thing too because we ain't got any

money

. We were eating off a card table, driving in 1902 Pinto. For you young people that's a car, not a bean. And we got married, set up our first little apartment with two nickels to rub together, and we'd been married about a month and my wife remembers that she's a Baptist. She neglected to tell me this when we were dating. Never came up. But apparently there's a doctrinal thing once your a Baptist your always a Baptist or something I don't know what the deal is, but so she gets up on Sunday morning and says we're going to church and I said we aren't doing anything I'll be here drinking beer and watching football and um course she cried and I'm like I don't understand we never talked about this before and all the sudden you just, you know, you're a super Baptist. What's the deal? But um, so she takes off to church and and then every Sunday she crying go to church and these little heathen or she'd go to these little Baptist churches and they would pray for her heathen husband and um, so then I got into this multi-level thing that I was in for about 10 years one 3 month period. and uh, you know one of those deals where you make your friends are mad you know that deal. and so um anyway so I was gonna get rich me and one of my beer drinking buddies, there's a lot of beer in the story, but um and so we me and this little...
proven biblical money principles   dave ramsey
redneck guy that I was friends with me, two little rednecks trying to figure out how to be how to get rich in this business and so you know we were out there trying to do sales calls and we couldn't get anything to work and we had five questions and we just knew if we can get these five questions answered we could you know be one of those rich people in an MLM and we'd be having a yacht and all this kind of stuff and you know how they do that stuff and so we went to one of their pep rally things you know the big thing in the convention center and they have all the guys that are successful gals are successful get up on the stage and tell you how much

money

they're making and I'm making $800,000 a minute or whatever you know that stuff right. And they've all got big checks. I never got a big check like that, I wonder if you can get that at the bank or not but you know they've all got this stuff and so we finally at the end of the day the last guy to come up I kid you not his name was Rich. You can't make this up okay and so he was the guy we wanted to see cause he was the big dog right and then when he got up there he was even cooler than we thought and so he owned us you know I mean like credibility city and on top of that his talk it was like he had our five questions as his outline he went right down them man we're like this guy he knows everything this is the smartest guy on the planet and then he goes he gets tto he end of his talking he...
proven biblical money principles   dave ramsey
goes and there's one more thing, and we went no there's not we got them it's five you know and he goes no there's one more thing if you don't know God, you're going to struggle in business. And my buddy and I went "Say what?!" And he said when you put on the character of Christ it changes your character, it causes you to want to serve rather than to take, and you're more worthy of trust you're more trustworthy and servants have a tendency to win in business more than and so if you don't know God you're going to struggle in business he does this whole talk about God. And my buddy and I are going I never heard anything like that before in my life. So you know we go back, two little redneck guys, we go back to the like the Hampton Inn or whatever wherever we were staying and we get out the Gideon's Bible and it's Old King James. So it's like Shakespeare and Jesus, right? These and thous and thou and this and I'm like there's no possible way these two guys are gonna figure this out, right. So we sit there and look at it for a few minutes and like I have no idea. We closed it. But I did go home I told my wife I said we're going to church and she said who are you and what have you done with my husband? And so we visited a couple churches and one guys asleep in one of them and I'm like well if there's a Jesus you shouldn't be asleep about it so um you ought to be like excited. I like going to...
churches like this where we're having fun y'all know what I'm talking about? I mean sometimes you're going these places and they look like they're weaned on a pickle you know I mean its life is bad you know and so anyway this place they you know want people raising their hands like they knew the answer to a question or something and you know and one woman's up there swaying and I'm like I told Sharon we were sitting on the back and tell us if they get out snakes were leaving. And uh, so pretty soon you know we're walking through the backdoor the place and meet the pastor and his wife was one of those sweet sweet ladies and she just give everybody a hug that was there and you know week after week month after month we kept going and that woman literally hugged us into the kingdom. And we met Jesus there and it changed the trajectory of my life. It changed everything and I started we of course left that whole multi-level thing I told you just for three months and so we started buying and selling real estate um I grew up in the real estate business momma and daddy were in the real estate business So I knew the real estate business and I'm start doing flip this house before there's cable TV to tell you how right and so you know we're buying and selling houses and we got rich. By the time I was 26 years old I had four million dollars worth of real estate little over a million dollar net worth and twenty-five was my best year in that...
business i made $250,000 cash taxable income that year, that's twenty thousand dollars a month. I don't know what neighborhood you grew up in the neighborhood I grew up and we call that rich. And it was fun too. I had that car I always wanted, you got that car you always wanted some day when I make it I'll get that car you know that one for me it was a Jaguar I needed a Jaguar because nobody in the neighborhood I grew up in could spell Jaguar right, and so I got me a Jaguar man you know I'm riding along and within 90 days baby I was a Jaguar right you know right right oh man I was having fun and Sharon and I we went to Hawaii and we liked it so we went back. She likes little sparkly things we got her some. They weren't big enough so we got her some more. It was fun. Sometimes I hear these people say "All those rich people are miserable." Uh-huh. Now I'm not theologically or philosophically shallow enough to tell you

money

will make you happy.

Money

will not make you happy. You get more

money

it will, it will make you more of what you are right now. If you are miserable and you get

money

, you will be lots of miserable. If you're a jerk and you get

money

, big jerk. And and it will mess with your family too to the extent there's crazy in your family, and we all got crazy in our family right? You know, if you don't think you got crazy in your family, it's you. Okay. So everybody's got something, right? And you put a little...

money

on the crazy woohooo crazy gets crazy! Y'all know what I'm talking about? Is this real? So your

money

is not gonna solve your problems it's going to make them bigger. It's also gonna make your opportunities bigger if you're a generous person your generosity will go into overdrive. You'll be outrageously generous. To the and you get a lot of

money

we'll call you a philanthropist. Cool word that means you give a lot of it away and you have a blast doing it. You found the most fun you'll ever have with

money

is when you find that. So you know it was it was fun you guys but I did stupid stuff. How many of y'all ever done somethin stupid? How many of you didn't raise your hand and have a problem with lying? What do you think this is a rhetorical question? I mean seriously? I borrowed too much

money

, and our bank got sold to another bank out-of-state. I know that never happens around here. And a guy looked down sitting in another state and said there's a 26 year old kid in Nashville owes us a million two hundred thousand and he's flipping houses, we need to limit this relationship. Which is banker talk for ruin his life. And they called our notes. We weren't late, but they were 90 day notes so they had the option of doing that. They just said we don't want to play anymore and I went, "What?!" That started a crash that took took two and a half years to unfold and we lost everything we owned. We were sued, we...
were, we were sued so many times. And they were all right I mean I made $250,000 one year, the next year my taxable income was 6,000. I spent the whole year selling stuff trying to pay my bills and trying to honor those things that I signed and I couldn't do it. Cause stupid will catch you and tackle you and I had signed up for stupid on steroids. I've done I mean I got a PhD in D.U.M.B. y'all. I mean. We were sued so much that the little guy with the Sheriff's Department that brings those little pink lawsuit papers we're like on a first-name basis with the old boy. Sharon's making him cookies, you know come on Harold. I mean, it's not his fault bless his heart, what a job you know oh man and-and-and. We had a brand-new baby and a toddler, and our marriage is hanging on by a thread. Y'all I was so scared I didn't know what to do. I remember standing in the shower with it so hot in my face I could just barely stand there and I would just stand there and cry. I was so scared. 28 years old I got babies, my poor wife. She thought she married Sir Galahad turns out it was Goober. I mean I had missed it up y'all, I drove NASCAR into the wall engines up in the stands I mean it's it was a blow-up. I mean we didn't get a divorce I mean number one cause of divorce in North America today

money

fights and

money

problems y'all know you have a good

money

fight but if your a hillbilly and you have a good

money

fight it's real fight. I...
mean we didn't get a divorce shall we held on to each other but sometimes it's to get a better grip you know what I'm saying and I mean she's from the hills of East Tennessee frying pan throwing there is an Olympic event. You know it's like man and finally we hit bottom and we were bankrupt. I was doing one of these new shows the other day I do these Fox and Friends and Good Morning America stuff and one of those news anchors is like "You know this is a cool story you start with nothing you become a millionaire you lost everything know your multi-millionaire how did you bounce back?" I went dude when you fall that far you really don't bounce. It was more of a splat. I said I'd like to tell you bounce back but I didn't I set around whined and blamed everybody else. You ever do something stupid and blame everybody somebody else? Yeah. Turns out McDonalds does serve hot coffee, you know. It's like, man. We live in a, we live in a culture of victims don't we it's unbelievable and so victims of our own stupidity all of us it's unbelievable. And so man I sat around whined. But, I tell you this: you know I met God as I told you on the way up but I got to know him on the way down. And you I mean we were ground into powder there was nothing left. We had a I surrender all moment and it wasn't about this Baptist altar call baby I mean we surrendered. White flag. You're in charge. What do you want us to do? Because I...
didn't know how to be a husband. I didn't know how to be a dad. I didn't know how to handle

money

, obviously. I had a degree in finance, but I got to thinking about it who was it taught me to borrow

money

this was my finance professor in college who was broke. Know what's wrong with that picture? It's like a shop teacher with missing fingers. So you know I mean so we get this thing out and it turns out my Heavenly Father even in spite of my stupidity is crazy about me. Even in spite of my black heart he's crazy about me. Even in spite of my darkness and the worst

Dave

that there is he knows him, he still loves him. He's crazy about me. And he's got a plan and it's not to bring me harm. But to bring me hope. And so I dove in here hard. And I'm like okay how do you be married? Submit yourselves one to another. Oh no I gotta dry dishes. Now don't spare the rod, my kid's like "What's that Dad?" Come here baby I'll show you. 2,500 scriptures on how to handle

money

and possessions. And I started reading people like Ron Blue and Larry Burkett and Howard Dayton who were the first guys in the Christian space in the modern era to talk about what the Bible says about

money

and I was amazed and I started living Sharon and I started living by those

principles

and they started working. Now I won't tell you it was instant, it was not instant. If you're looking for instant if you want get-rich-quick, God is not in the...
microwave business he's a crockpot guy. It's gonna take t-i-m-e time, time. But man when you start living your life this way this is a compass it shows you which ways North and you're not lost anymore. I don't always like what it says but it's usually because i'm wrong, hello. I don't know if I agree with what, with God? Yeah right. I had a spiritual moment when I realized God was smarter than me you know. Ok i'm probably going to do it this way because it's working. All these years later it does work and not only did Sharon and I get back on our feet gradually and slowly and start building wealth again, because you know we live in a cause-and-effect world what you plant you will harvest you will reap what you sow, right? So if you plant stupid you will get a crop of desperate. I've done it and you know if you plant corn don't be looking for beans to come up. Don't be shocked by, cause what you put into your life is what you're going to get out. God is real clear, it's all through Scripture, it's a cause-effect the whole thing you know the cause effect the theorem of cause and effect was you know a Christian physicist that discovered the Christian worldview and so you start to understand that that's how the universe works and our lives are the same way and yet we live them randomly. And we go I wonder how that happened? Well you know you planted it six months ago and it grew up and smacked you in the back of the...
head and that's what happens in our lives isn't it? This is real. So, we start teaching a little Sunday School class had about 30 people in there. And then we looked up there's about 500 in there. And we took a little book and printed it and nobody would buy it and I was selling it out of the trunk of my car in a video store, bookstores wouldn't carry it. And finally some bookstores started carrying it, and then publishers wanted to publish it, and then all these you know 12 million books later here we are, you know. We start teaching a little class called Financial Peace University and with a bad suit and an overhead projector and now all these years later four-and-a-half million families have gone through it and forty thousand churches. I mean God really knows how to take lemons and make lemonade, doesn't He? He knows how to take something and turn it around. So if your life's in a mess I'm here to tell you I got mess down. I know what mess looks like and we serve a God who cleans up messes and seals broken hearts and touches wounds and and turns things around. And if you're too cool for school you're smart oh He'll get to you. He'll help you He'll help you course-correct and knock the hair off your head I'll tell you that but He'll course-correct you. Because He loves you He's crazy about you. So we found that there's five things that if you do these five things with

money

over a period of time like 10 or 15...
years you will build a level of wealth one hundred percent of the time. And now I said a level of wealth I don't know what level because I can't predict car wrecks and cancer, I can't predict tragedy and I don't know what your income will be. But if you're working and you do these five things, you will build a level of wealth one hundred percent of the time. And this is not some prosperity thing and it's not mystical magical when I cover these five things, they're all common sense. But common sense is so rare now it's like having a superpower. So when you plug God's common sense and it changes everything. So let's look at the five the first one is get on a budget. A written plan. Jesus said for which of you intending to build a tower does not sit down first and count the cost lest to get halfway up and is unable to finish and all who see him begin to mock him and say this man began to build and was unable to finish. Another Christian they can't pay their bills. I added that last part. You have to do a budget. On paper. On purpose. Before the month begins, every month. If you work for a company called you incorporated and you manage

money

for you incorporated the way you manage

money

for you now would you fire you, don't answer that. And you know we misbehave with

money

the Bible says he who is impulsive exalts folly, folly is the verb of a fool in action he who is impulsive is a fool in action. Been there done that. Arrow right...
here. And fools you don't want to be a

biblical

fool. This is not a greeting like "Hey fool" no this is like an idiot. You don't want to be that kind of fool. And so we're disorganized, we don't have a plan, nothing's written down, and we have the unmitigated gall to pray to our Heavenly Father the maker of Heaven and Earth and say Lord I'm misbehaving, I'm horrible, and I'm incompetent, but send me more

money

. To which he looks at us and says, "No." It's in the Bible. Parable of the talents. Master gives three servants an amount of

money

to manage. Comes back later, two of them managed it well, one of them didn't. The one that didn't he not only didn't give him more, he took the

money

away from him who managed poorly and gave it to the one that had the most. Who had managed at the best. And then there's that wealth inequality scripture. Hahaha. That says right after that those who are faithful in the little things will be given more to manage. And so my son who's 15 years old many years ago decides he wants a brand-new Corvette when he turns 16. To which I looked at him and I said I'm a loving Heavenly Father, except I'm not heavenly, I'm a loving father. No, you cannot have a new Corvette. Although that sounds like a blessing to you my son It's 465 horsepower, it has a fiberglass body, it will go from zero to 60 in 3.1 seconds, you are incompetent as a driver I've seen you drive...
you will kill yourself. And until you prove your competence we're not even going to talk about something that ridiculous. So right now what you will get is an old Chevette with a tired gerbil under the hood. Because I remember when I was 16 my first car by the time I got rid of it it had been hit on all eight sides. Be faithful in the little things, decide. The interesting thing about each one of these

principles

is, you can just decide today to do them. Had a guy working for me and he was not doing his process right and I sat down and I said this is what you need to do and he goes well I it's not the way I do it and I said change. And he said well I'm not like you and I said change. You can decide today to be good at this, or leave. Change. Change. You can decide when you go home, you can decide to do a budget today. Get out a yellow pad or go free budget online every dollar com you can decide today. I'm gonna start managing

money

well today. Today. You can decide. Because you're going to keep getting what you've been getting if you keep doing what you've been doing, you know this right? Sowing and reaping. And the second one is you need to get out of debt. Now we know this one. You knew

Dave

Ramsey

was going to talk about getting out of debt. Because you know the Bible says the borrower is slave to the lender. It's real. Now the Bible does not say that debt is a Salvation issue. You can have a MasterCard and go to heaven. The Bible does not...
say debt is a sin. I can't find that in there. But I have studied this for 30-plus years and I cannot find a single scripture anywhere that God used debt to bless his people or a single scripture anywhere that says anything positive about debt. It always says you're a fool, it's a curse, you're a slave, and then we continue to engage in it and in our intellectual minds we somehow figured out how we are smarter than God. While all through the Bible it basically says debt is stupid. And those that engage in stupid things are, well, stupid. And I've been stupid I told you that so I'm not calling you names. Here's the deal the borrower is slave to the lender. You don't think this is so? Think about this: your most powerful wealth building tool is your income. Let me show you what slavery looks like. This week they came out with new data that shows that the average car payment in America today according to National Auto Dealers association is 499 dollars. That's dangerously close to 500. You take 500 bucks a month and invest it from age 30 to age 70 in a decent growth stock mutual fund, You'll have 5.6 million dollars. That's what a car payment costs you. So who'd you make rich? General Motors? Ford? Lexus? I don't know who was it? You made somebody rich. It wasn't you. And you driving along in something you can't afford scratching your head, wondering why your kids college fund isn't funded. Because we're giving...
it all to somebody else. And they have nicer furniture in their building, have you noticed? Something's going on here guys. You know and some people in here got a student loan's been around so long you think it's a pet. You got Master card in your life. I mean it's hard to be a slave if you don't have a Master so you might as well. We've discovered bondage. And American distress. And just keeps going and going and have done it to y'all, I'm not picking on anybody I'm just saying here's the deal think about this what if you had no payments? Can't even get my head around that. Well you're always gonna have a car payment, you ever hear people say that? Little man can't get ahead, you're always going to have a car payment so drive something nice, YOLO. Right? Which by the way is addressed in Proverbs. Says fool right after that. See this is how we talk when we're losing. You know we can't get ahead I sure hope we can elect a president who will fix my life. Not gonna happen. Neither one of them got the goods I'll just tell you. You're in charge of your life and you and Jesus I can do all things through Christ who strengthens me are the only shot you got it's the only one is gonna work and that's what changes. Don't be listening to these people little man can't get ahead you talk to these people you think their spirit animal is Eeyore. It's unbelievable. So how do you get out of debt? Well...
you have to decide to not borrow any more that's first step, isn't it? I have we had plastic surgery at our house, we had a plastectomy. Decided we're not borrowing

money

anymore. MasterCard Capital One. What's in your wallet?

Money

. You're weird

Dave

. You're right, and I'm not broke anymore either. I decided I'm not living like this. I haven't had a credit card in 30 years. You don't have a credit card?! I don't have a credit card. That's my wallet. Got green President's faces. And it's got four pieces of, thank you, it's got four pieces of plastic in here. Two debit cards, one on my business, one on my personal account, which will do everything your stupid credit card will do. I travel more than any two of you put together shut up it works ok.

Dave

you're not getting the airline miles yeah I've met a lot of millionaires and none of them said

Dave

I made it all on my airline miles, I haven't heard that one so. So I got four pieces of plastic in here these two debit cards my driver's license in my handgun carry permit. I said that in California about got arrested. It's good to be back in America. Um They just don't speak Southern over there it's not good for me. And the third thing once you're out of debt then, you need to be careful to foster high quality relationships. What's that got to do with

money

? Everything. There's a huge correlation for those that build wealth and who...
they hang around with. Because you become who you hang around with have you noticed that? You do! I mean I was in Boston thursday night doing an event you know those people all have an accent? You become who you hang around with you don't let your kids hang around with little juvenile delinquents right? If little Johnny down the streets a weed head you don't let your kid run with little Johnny because you know you're gonna have a weed head in your house right? You know we know this. So you know they come home with that mouth on them and you're going where'd you learn that? That'll get you knocked into next week in this house I mean what or do you think you could do you get away with that? I'll take you out and make another one looks just like you you know I mean you know. It's cause they're hanging out a little Johnny right you know what happens we're the same way y'all. We're the same way. You talk like the people you hang around with you, you read the books they talk about, you know if you don't read and all your friends watch The Bachelor well here's a clue okay here's what's going on if this is all you know about is reality TV that's not a reality probably we need to change our diet you know and you don't read a book and so Charlie tremendous Jones said five years from today you'll be the same person you are today except for the books you read the people you meet. I mean don't be deceived evil...
company corrupts good habits and you know this the studies have shown that over a 10-year period of time that your income will approximate will become within ten to twenty percent of the average of your 10 closest friends income. Because you have the same habits they've got the same diet into your self that they've got if you want to learn scripture hang out with people that know scripture and are memorizing scripture you want to have a filthy mouth hang out with people with a filthy mouth you'll have it you can't stop yourself from doing it you will become who you hang around with and all the studies show that we have a tendency now that's not to say I'm some kind of snob and I don't have any friends aren't rich friends not that at all I have lots of friends but my closest hangs are people I want to be like that's my closest ones now I'll talk to anybody but like when our daughters were you know our daughters are growing up they're grown and married two wonderful men now but you know they're in high school and they're wanting to go on a date we didn't do missionary dating you don't get the date little Johnny the weed head and lead him to Jesus that's not gonna work okay we're not doing this little johnny can go to camp and get saved again you know we'll work on this right and so no uh-huh you come up in our house pick up one of our daughters honk your horn you better be delivering pizza alright so coming...
in talking to the old man you know be cleaning my gun when you get home you know the song right and so I mean this is kind of thing i'm teaching dad all the boys and youth group are scared of you good good keeps away two things you don't want baby doll you don't want jerks and you don't want wusses and if I can keep both those away and then I teach you how to keep them away you can pick good. And guess what they both picked good they both picked good they're married studs man i got some son-in-law unbelievable love Jesus love their wife love their kids I mean fight for their family I got man my sons in law are awesome it was an accident started praying for my sons-in-law when my daughters were born and praying still praying for my son's wife because he hadn't found her but he'll get around to it and you know but the you see what I'm saying y'all and you become who you hang around with and you need to make these choices very very carefully the third thing or the fourth thing is you need to save and invest. In the house of the wise are stores of choice food and oil wise people save

money

that's what this means oil is a sign of the Holy Spirit in the Old Testament it was used to anoint kings and it was used to keep the oil burning in the Holy of Holies and so it was used in the marketplace like we use green president's faces as a medium of exchange if you had a carafe of oil you were ready to do business it was a sign of wealth...
there were two classes of people poor people and rich people most of the people were poor people this is the Mediterranean we're talking they ate hummus and olives no meat a little bit of bread maybe maybe a fish if they got some meat but that was it rich people ate what we eat every day spices good meat Charleston food scene you know what I'm saying right cooking it up right you know what I'm saying that that's fine food stores of choice food and oil food choice food and oil are symbols of wealth so let's read that again in the house of the wise are stores of

money

wise people save

money

why well start with we say for an emergency right grandma said she said save for a what rainy day visual aid it's gonna rain it's gonna rain you're gonna have a car wreck you're gonna lose your job something's gonna happen you're gonna need some

money

Dave

you need to be positive I'm positive it's gonna rain something's gonna come up this one I don't understand unexpected pregnancy say what? ok but people come up with all kinds of things that are emergencies right and something's gonna happen and then you need to save an invest so you retire with dignity you know I'm gonna spend everything i make and hope the government which is well known for its ability to handle

money

will take care of me dumb idea they can't find I mean that they don't i'm not even sure some of them have opposable thumbs up there you know...
I'm saying it's just ridiculous and we're counting on them and some whacked-out kind of way to come be that they're not coming there is no white horse there is no Calvary your it you and me and Jesus ok you are in charge of your destiny and that's great news it's great news and so I'm all worried about the election and I'm not worried about the election because I've made

money

under both parties turns out it wasn't up to them in either case I've lost

money

under both parties none of them sent me a check they all just want

money

they're extracting like a tick extracting blood all the time that's all they do this is the deal so in the house of the wise are stores of choice food and oil by the way the rest of that one says and a foolish man devours all he has if you spend everything you make the Bible just called you a fool again I've been a fool call me a fool too and I decided to change the last one is this God loves a cheerful Giver he loves a cheerful Giver and this is all about generosity oh yes it's about the tithe the tithe to your local church you're an evangelical Christian yes tithe to your local church absolutely that's a baseline that's a starting point but this is all about cheerfulness it's about your generosity is not just a transfer of funds generosity is a spirit where you decide to be a generous person generous people are more attractive they smile they are not grouchy it's not all...
about them they're the ones that open the door they're the ones when the grocery bag has the bottom dropped and your groceries are rolling all over the parking lot they're the ones out there helping you pick it up these are the people that when they go out to eat after church they leave a tip you cheap Christians servers don't want even waht to work on sunday because of us ridiculous well us i'm not I leave big tips big tips because it's a form of generosity when they didn't give me good service oh shut up carrying a tray that weighs more than you. Figure it out. They parked your car in the rain and the heat shut up give him some

money

. They park your hundred thirty thousand dollar car and you give them three dollars what are you a nut that's Ferris Bueller parking the car there take care of that man I get my twenty-dollar bill my car still sitting there when I come out it's amazing besides that the guys working his way through college or something right then and he says better than I deserve that's his code for I'm getting out of debt if they say that you gotta give them a double tip so I gave him 40 my wife's like I'm gonna park your car and no you're not you're not you're not working your way out of college you've already put up with me for 30 years so it's alright generosity is a spirit it changes everything in your life and God loves when we are cheerful givers because we're made over in His...
image and he's a giver he gave His only begotten Son. He's a giver. We can't call ourselves in His image until we change our posture in our spirit about this but it's awful tough to give if you're broke if you're in debt and you haven't saved any

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and you don't have a plan and you're not hanging out with other people who are givers and some change you get to decide today it'll change your life when scripture intersects your life the truth of God intersects your life it moves from your head and travels 18 inches into your heart it changes your behavior and changes the trajectory of your life it will change your family tree you will change everyone with your last name that follows you if you do these things it's that powerful because there's this great plus sign on the scope of history and it's the cross and it's an opportunity that his mercies are new every morning I get the opportunity to do it again you have the opportunity to thank you Jesus for your grace in spite of all the bad things that I've done and I am in spite of all of that I'm so much better than I was but I'm still not even close thank goodness poor Sharon's not married to the same guy she married all these years later he's a lot better husband he's a lot better daddy he's a lot better leader than he was when he was 32 years old open this company he's a lot better at

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than he was he keeps getting better and learning...
and growing and learning and growing still not there still not there but I'm a lot better than I was and it's been a wild ride y'all it's the most it's the most fun journey you can if you don't know this that guy named jesus oh my goodness you're missing out on the roller coaster ride of your life it's so thrilling you will throw your hands up and go woohoo and you oh man it just it's a it's unbelievable that the sorrows are deeper and the joys are higher it changes everything it changes everything and when you move this

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piece around it gives you the tools to be that in the marketplace and to be that for your family and to get this monkey off your back and get that elephant out of the room because he's got to go God we thank you for this day we thank you for these folks thank you for these pastors generations of pastoring this church and what just wonderful men and women are here thank you for letting me be a part of this family this weekend and God we just pray blessings and mercy and grace and healing on the families that are sitting here and and Father some people are sitting here that are still got their arms crossed and Father that's between you and them be gentle with them don't hit em any harder than you have to get their attention love em Lord love em well in Jesus name amen