Proven Biblical Money Principles - Dave Ramsey

crazy for me. Even despite my black heart, he is crazy about me. Even despite my darkness and the worst Dave ever, he knows him, he still loves him. He's crazy about me. And he has a plan and he is not to hurt me. But to bring me hope. And then I launched myself here hard. And I say, how do you get married? Submit to one another. Oh no, I have to dry the dishes. Now don't spare the rod, my son says, "What's that, dad?" Come here honey, I'll show you. 2,500 scriptures on how to manage

money

and possessions.

And I started reading people like Ron Blue, Larry Burkett and Howard Dayton, who were the first 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 with Sharon and I started to live according to those

principles

and they began to work. Now I won't tell you it was instantaneous, it wasn't instantaneous. If you are looking for something instant and want to get rich quick, God is not in the microwave business, it is a type of slow cooker. It's going to take time, time, time.

But man, when you start living your life this way, this is a compass that shows you which way North is heading and you're no longer lost. I don't always like what he says but usually it's because I'm wrong, hello. I don't know if I agree with what, God? Yes of course. I had a spiritual moment where I realized that God was smarter than me, you know? Ok, I'll probably do it this way because it's working. All these years later, it works and not only Sharon and I gradually and slowly recovered and started building wealth again, because you know we live in a world of cause and effect, what you plant, you will reap, you will reap. what you sow, right?

So if you plant stupid ones you will get a crop of desperate ones. I have done it and you know that if you plant corn, don't be looking for beans to grow. Don't be surprised, because what you put into your life is what you will get out. God is very clear, it is in all the Scriptures, it is a cause-effect, all this you know, the cause and effect, the theorem of cause and effect, was that you meet a Christian physicist who discovered the Christian worldview and then you begin to understand that this is how The universe works and our lives are the same way and yet we live them randomly.

And come on, I wonder how that happened? Well, you know you planted it six months ago and it grew and hit you in the back of the head and that's what happens in our lives, right? This is real. So, we started teaching a small Sunday school class that had about 30 people there. And then we looked up and there were about 500 there. And we took a little book and printed it and no one wanted to buy it and I sold it in the trunk of my car in a video store, the bookstores didn't sell 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 started teaching a little class called Financial Peace University and with a bad suit and a projector and now, all these years later, four and a half million families have attended it and forty thousand churches have attended it. 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 is a mess, I'm here to tell you that I've got it. I know what mess is like and we serve a God who cleans up mess, seals broken hearts, touches wounds and changes things.

And if you're too cool for school, you're smart. He will reach you. He will help you. He will help you correct course and tear the hair off your head. I will tell you, but He will correct your course. Because He loves you, he is crazy about you. So we discovered that there are five things that, if you do them with money over a period of time like 10 or 15 years, you will create a level of wealth 100 percent of the time. And now I said a level of wealth that I don't know what level because I can't predict car accidents and cancer, I can't predict tragedies and I don't know what your income will be.

But if you are working and doing these five things, you will generate a level of wealth one hundred percent of the time. And this is not a prosperity issue and it is not mystical magic when I cover these five things, they are all common sense. But common sense is so scarce now that it's like having a superpower. So when you connect God's common sense, everything changes. So let's look at the five: The first is having a limited budget. A written plan. Jesus said: Which of you, wanting to build a tower, does not sit down first and calculate the cost, lest he be halfway done and not be able to finish and everyone who sees it begins to mock him and say that this man started to build and couldn't finish? finish.

Another Christian can't pay his bills. I added that last part. You have to make a budget. On paper. By the way. Before the month starts, every month. If he works for a company called you incorporated and manages money for you the same way he manages money for you now, would you fire him? Don't answer that. And you know that we behave badly with money, the Bible says he who is impulsive exalts foolishness, foolishness is the verb of a fool in action, he who is impulsive is a fool in action. I've already 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 then we are disorganized, we have no plan, there is nothing written, and we have the absolute nerve to pray to our Heavenly Father, the creator of Heaven and Earth, and say Lord, I am behaving badly, I am horrible, and I am an incompetent, but send me more money. To which he looks at us and says, "No." It's in the Bible. Parable of the talents.

The Master gives three servants an amount of money to manage. He comes back later, two of them got it right, one of them didn't. Not only did he not give him more, but he took the money from the one he mismanaged and gave it to the one who had the most. Who had managed it better. And then there's that writing about wealth inequality. Ha ha ha. Then he says that those who are faithful in the little things will be given more to manage. And then, my son, who is 15 years old, decides many years ago that he wants a new Corvette when he turns 16.

To which I looked at him and said: I am a loving Heavenly Father, except I am not heavenly. I am a loving father. No, you can't have a new Corvette. Although that sounds like a blessing to you, my son, it has 465 horsepower, it has a fiberglass body, it goes from zero to 60 in 3.1 seconds, you are an incompetent driver, I have seen you drive, you will kill yourself. And until you prove your competence we're not even going to talk about something so ridiculous. So now what you'll get is an old Chevette with a tired gerbil under the hood.

Because I remember that when I was 16 years old, my first car, when I got rid of it, was beaten on all eight sides. Be faithful in the little things, decide. The interesting thing about each of these

principles

is that today you can decide to put them into practice. I had a guy working for me and I wasn't doing his process well and I sat down and said this is what you should do and it went well for him. It's not the way I do it and I said change. And he told me well I'm not like you and I told him change.

You can decide today to be good at this or leave. Change. Change. You can decide when to come home, you can decide to make a budget today. Get a yellow pad or get a free online quote for every dollar you can decide today. I'm going to start managing money well today. Today. You can decide. Because you'll keep getting what you've been getting if you keep doing what you've been doing, you know that right? Sowing and harvesting. And the second is that 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 that the borrower is a slave to the lender. It is real. Now, the Bible does not say that debt is a matter of Salvation. You can have a MasterCard and go to heaven. The Bible does not say that debt is a sin. I can't find that there. But I've studied this for over 30 years and I can't find a single scripture anywhere that says God used debt to bless his people or a single scripture anywhere that says anything positive about debt. It always says that you are a fool, that it is a curse, that you are a slave, and then we continue doing it and in our intellectual minds we somehow discover that we are smarter than God.

Whereas throughout the Bible it basically says that debt is stupid. And those who engage in stupid things are, well, stupid. And I have been stupid. I told you so, so I won't insult you. Here's the deal: the borrower is a slave to the lender. Don't you think this is so? Think about this: His most powerful tool for generating wealth is his income. Let me show you what slavery is like. This week they released new data showing that the average car payment in the United States today according to the National Automobile Dealers Association is $499. That's dangerously close to 500.

If you take $500 a month and invest it from age 30 to age 70 in a decent growth stock mutual fund, you'll have $5.6 million. That's how much a car payment costs you. So who would you make rich? General motors? Ford? Lexus? I don't know who it was? You made someone rich. It was not you. And you're driving in something you can't afford to scratch your head, wondering why your kids' college fund isn't funded. Because we are giving it all to someone else. And they have nicer furniture in their building, have you noticed? Something's going on here guys. You know, some people here got a student loan that's been around for so long you think it's a pet.

You have 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 have one. We have discovered slavery. And American angst. And it goes on and on and I've done it with all of you, I'm not picking on anyone, I'm just saying here's the deal, think about this, what would happen if you didn't have payments? I can't even understand that. Well, you'll always have to pay for the car, have you ever heard people say that? Little man can't get ahead, you'll always have to pay for the car, so drive something nice, YOLO.

Good? Which, by the way, is addressed in Proverbs. He says fool right after that. See, this is how we talk when we're losing. You know we can't get ahead. I hope we can elect a president who will fix my life. It's not going to happen. None of them received the goods, I'll just tell you. You are in charge of your life and you and Jesus, I can do all things through Christ who strengthens me, they are the only chance you have, they are the only one that will work and that is what changes. Don't listen to these people, the little man can't get ahead.

You talk to these people and you think their spirit animal is Eeyore. Is incredible. So how do you get out of debt? Well, you have to decide not to borrow more, that's the first step, right? I had plastic surgery at our house, we had a plastectomy. We decided that we will no longer borrow money. MasterCard Capital Uno. What's in your wallet? Money. You're weird Dave. You're right and I'm not broke anymore. I decided I'm not going to live like this. I haven't had a credit card in 30 years. Do not you have a credit card?! I have no credit card.

That's my wallet. I have the green faces of the president. And he has four pieces of, thank you, he has four pieces of plastic here. Two debit cards, one in my company and one in my personal account, that will do everything your stupid credit card will do. I travel more than you two combined, shut up, it works fine. Dave, you won't get the airline miles, yeah, I've met a lot of millionaires and none of them said, Dave, I did it all with my airline miles, I hadn't heard that. So I have four pieces of plastic here, these two debit cards, my driver's license and my weapons permit.

I said I almost got arrested in California. It's good to be back in the United States. Um. They just don't speak southern there, it's not good for me. And the third thing, once you are debt-free, you need to be careful to foster high-quality relationships. What does that have to do with money? All. There is a huge correlation between those who generate wealth and who they hang out with. Because you become the person you hang out with, have you noticed that? You do! I mean, I was in Boston on Thursday night doing an event. Do you know that all those people have accents?

You become the person you hang out with and you don't let your kids hang out with little juvenile delinquents, right? If little Johnny on the street is a jerk, you don't let your kid run around with little Johnny because you know you'll have a jerk in your house, right? You know we know this. So you know they come home with that mouth on and where did you learn that? That will get you beaten next week in this house. I mean, or do you think you could get away with it? I'll take you out and make someone else look like you, you know, I mean, you know.

It's because they're dating a little bit Johnny, you know what's going on? We are all equal. We are the same way. You talk like the people you hang out with, 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. Well this is itWhat's going on if this is all you know. It's a reality show that's not a reality, we probably need to change our diet, you know, and you don't read a book, so Charlie Tremendo Jones said that in five years you'll be the same person you are today, except for the books that you read the people you know.

I mean, don't be fooled, bad companies corrupt good habits and you know it: studies have shown that over a 10-year period your income will approach ten to twenty percent of average income. of his 10 closest friends. . Because you have the same habits, they have the same diet in you as they do, if you want to learn the scriptures, hang out with people who know the scriptures and are memorizing them, you want to have a dirty mouth, hang out with people with a dirty mouth. you will have you can't help but do it, you will become the person you hang out with and all the studies show that we have a trend now, that doesn't mean that I am some kind of snob and that I don't have friends, that they are not rich. friends, not that I have many friends, but my closest friends are the people I want to be.

Now I'll talk to anyone, but like when our daughters were, you know our daughters are growing up, they've grown up and Now we married two wonderful men, but you know they're in high school and they want to date, we didn't do missionary dating, no You get the date, little Johnny, the grass head, and you take him to Jesus, that's not it. It's going to work out fine, we're not going to do this, little Johnny can go to camp and be saved again, you know we'll work on this right, so no, uh-huh, you come to our house, you pick up one of our daughters, you honk.

You better deliver pizza, so come talk to the old man, you know, clean my gun when you get home, you know the song well, so I want to say this is something I'm teaching dad. All the children and the group of young people are scared. of you, well, well, it keeps two things away, don't you, doll, you don't want idiots and you don't want cowards, and if I can keep both of them away and then I teach you how to keep them away, you can choose well. . And guess what they both chose well, they both chose well, they're married, man, I have a son-in-law, an incredible love, Jesus loves his wife, loves his children, I mean, fights for his family.

I have a son-in-law, my sons-in-law are amazing. It was an accident. I started praying for my sons-in-law when my daughters were born and I still prayed for my son's wife because he hadn't found her, but she'll get to work and you know, but you see what I. I'm saying that you all become the person you hang out with and you have to make these decisions very carefully. The third or fourth thing is that you must save and invest. In the house of the wise there are storehouses of choice foods and oil, the wise save money, that is what means oil is a sign of the Holy Spirit in the Old Testament, it was used to anoint kings and it was used to maintain the oil burning in the Holy of Holies and that is why it was used in the market like we use the green faces of presidents as a means of exchange if you had a jug of oil you were ready to do business it was a sign of wealth there were two kinds of people: people poor and rich people most of the people were poor people we are talking about the Mediterranean they ate hummus and olives no meat a little bread maybe maybe a fish if they could get some meat but that was all the rich people ate what we all eat days spices good meat Charleston food scene, you know what I say, well, cook it, you know what I say, which are great food stores, fine foods and oils, fine foods, foods and oil are symbols of wealth , so let's read that again in the house of the wise they are storehouses of money wise people save money why we start with we say for an emergency right grandma said she said save for a rainy day visual aid it's going to rain it's going to rain you're going to get in a car accident You're going to lose your job something is going to happen you're going to need some money Dave you need to be positive I'm sure it's going to rain something this is going to come up I don't understand an unexpected pregnancy what do you say?

Ok, but people come up with all kinds of things that are emergencies, right, and something is going to happen and then you need to save and invest to retire with dignity. You know, I'm going to spend everything I earn and hope that the government, which is well known for its ability to handle money, will take care of me. Silly idea that they can't find. I mean they don't. I'm not even sure some of them have opposable thumbs up. You know, I'm saying it's just ridiculous and we. We're counting on them and some strange way of coming, they're not coming, there's no white horse, there's no Calvary, you, me and Jesus, it's okay, you're in charge of your destiny and that's great news. .

Good news, so I'm very worried about the election and I'm not worried about the election because I made money with both parties and it turns out I wasn't dependent on them in either case. I lost money with both parties. none of them sent me a check they all just want money they are drawing like a tick drawing blood all the time that's all they do this is the deal so in the house of the wise there are select food and oil stores by the way rest of That's what it says and a fool devours everything he has if you spend everything you make the bible just called you a fool again I have 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 tithing tithing to your local church you're an evangelical christian yes tithing to your local church absolutely that's a foundation that's a starting point but this is all about joy it's all about of your generosity is not just a transfer of funds generosity is a spirit in which you decide to be a generous person generous people are more attractive they smile they are not in a bad mood it is not just about them they are the ones who open the door they are those who when the shopping bag falls and your purchases roll all over the parking lot they are the ones who help you pick it up these are the people who when they go out to eat after church they leave a word of advice you cheap Christian servants don't even want to I don't even have to work on Sunday because of our ridiculous fault well we're not I leave them 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.

Find out. They parked their car in the rain and the heat subsided and gave them some money. They park your one hundred and thirty thousand dollar car and you give them three dollars. What are you crazy? That's Ferris Bueller parking the car there, watch that man. I receive my twenty dollar bill. My car is still there when I leave. Plus, it's amazing. that guys are working their way through college or something at that time and he says better than I deserve that's his code for getting out of debt if they say you have to tip them double so I gave my 40 wife like me.

I'm going to park your car and no, no, no, no, no, you're not leaving college, you've already put up with me for 30 years, so it's okay, generosity is a spirit that changes everything in your life. and God loves it when we are joyful givers because we are made in his image and he is a giver who gave his only begotten Son. He is a giver. We can't call ourselves into his image until we change our stance in our spirit about this, but it's very hard to give if you're broke, if you're in debt, you haven't saved any money, and you don't have any money. a plan and you are not dating other people who are givers and some change you can decide today it will change your life when the scriptures intersect with your life God's truth intersects with your life it moves from your head and travels 18 inches into your heart change your behavior and change the trajectory of your life you will change your family tree you will change everyone who follows you with your last name if you do these things it is that powerful because there is a great plus sign in the scope of the story and it is the cross and it is an opportunity that his mercies are new every morning I have the opportunity to do it again you have the opportunity to thank you Jesus for your grace despite all the bad that I have done and I am in spite of all that, I am much better than I was, but I'm still not even close, thank God, poor Sharon is not married to the same man she married all these years later, he's a much better husband, he's a much better dad, he's a much better leader than when she was 32 years opened this company it's so much better with the money it was it's still getting better and learning and growing and learning and growing it's still not there it's still not there but I'm so much better than I was and it's been a wild ride y'all it's the ride funniest thing you can do if you don't know this, that guy named Jesus, oh my gosh, you're missing the roller coaster of your life. exciting you will raise your hands and say woohoo and oh man it's just it's amazing that the sorrows are deeper and the joys higher, it changes everything, it changes everything and when you move this piece of money, it gives you the tools to be that in the market and be that for your family and get this monkey off your back and get that elephant out of the room because God has to leave, we thank you for this day, we thank you for these people, thank you for these pastors, generations of pastors in this church and what wonderful men and women are here, thank you for allowing me to be a part of this family this weekend and God, we just pray blessings, mercy, grace and healing for the families that are sitting here and Father.

Some people are sitting here who still have their arms crossed and Father, that's between you and them, be kind to them, don't hit them harder than necessary to get their attention, love them Lord, love them well in Jesus name , amen.