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<v Speaker 2>Hey, everybody.

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<v Speaker 1>Welcome to Pastor Rick's Daily Hope. Well, we're talking about

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<v Speaker 1>your money. That's right. We're continuing a powerful series called

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<v Speaker 1>Financial Fit. Rick is opening God's Word and showing us

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<v Speaker 1>how to manage what we've been given with wisdom, faith,

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<v Speaker 1>and purpose. And I know if you apply these biblical principles,

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<v Speaker 1>you'll start to experience true financial freedom and lasting peace.

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<v Speaker 1>So let's get into part one of a message called

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<v Speaker 1>The Law of Contentment.

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<v Speaker 2>Now, the Bible is full of money management advice. I

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<v Speaker 2>don't know if you know this or not. But there

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<v Speaker 2>are two books of the Bible particularly, one's called the

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<v Speaker 2>book of Proverbs and the other's called the book of Ecclesiastes,

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<v Speaker 2>which are filled with the laws of money, the principles

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<v Speaker 2>of prosperity, the rules for wealth. Now let me make

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<v Speaker 2>it very clear, we are not a, quote, prosperity gospel church,

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<v Speaker 2>we are not. We do not believe that God wants

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<v Speaker 2>everybody to be a millionaire. In fact, Jesus taught the

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<v Speaker 2>exact opposite of that. But the Bible is filled with

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<v Speaker 2>principles that he says, if you will do it God's way,

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<v Speaker 2>then you get God's blessing on your finances. And the

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<v Speaker 2>Bible is filled with principles of how to invest wisely,

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<v Speaker 2>how to save wisely, principles of saving, of investment, principles

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<v Speaker 2>of spending, principles of managing your money, principles of insuring.

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<v Speaker 2>There are many, many laws of financial freedom in both

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<v Speaker 2>Proverbs and Ecclesiastes. We're gonna look at these in the

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<v Speaker 2>weeks ahead, and I hope you'll not only be with

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<v Speaker 2>us in every one of the series, but that you'll

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<v Speaker 2>bring people with you who you know are going through

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<v Speaker 2>tough times, because I guarantee you, these principles are gonna

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<v Speaker 2>help them get out of the hole that they're in.

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<v Speaker 2>It's not easy, but it is possible to do. Now,

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<v Speaker 2>the first law of financial freedom is the one we

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<v Speaker 2>have to look at today, because if you don't get

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<v Speaker 2>this one, None of the other ones will work in

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<v Speaker 2>your life. I can't take you into the principles of

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<v Speaker 2>how to invest wisely, how to save, how to spend wisely,

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<v Speaker 2>how to budget, all of these principles, until first you

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<v Speaker 2>get this first one, which I call the law of contentment. Now,

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<v Speaker 2>this is very important because as long as your yearnings

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<v Speaker 2>exceed your earnings, you're gonna be in deep doo-doo. You're

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<v Speaker 2>gonna be in trouble. You're gonna have debt. And your

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<v Speaker 2>entire life you're gonna be frustrated with your finances because

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<v Speaker 2>your yearnings are always going to exceed your yearnings. And

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<v Speaker 2>until you learn this principle of contentment, you're always gonna

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<v Speaker 2>be frustrated by your money. And you're never, never gonna

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<v Speaker 2>have enough no matter how much you make. Now this

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<v Speaker 2>is not only a problem for individuals, it's a problem

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<v Speaker 2>for our entire nation. The chickens have come home to

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<v Speaker 2>roost because for decades the government has been spending more

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<v Speaker 2>than it makes. Recently, Time Magazine did an article on

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<v Speaker 2>this and explained that for every $ 1, 000 that Americans make,

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<v Speaker 2>we put $ 1, 300 on our credit cards. Hello? It isn't

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<v Speaker 2>rocket science to figure out why people are stressed out.

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<v Speaker 2>Why people are in debt. Why people are going into foreclosure.

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<v Speaker 2>Because our yearnings are exceeding our earnings. Now here's what

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<v Speaker 2>the Bible says. If you pull out your message notes,

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<v Speaker 2>and we're going to look in the book of Proverbs

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<v Speaker 2>and the book of Ecclesiastes today. The Bible says in

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<v Speaker 2>Proverbs 14, 30. Let's read this verse aloud together. It's

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<v Speaker 2>healthy to be content, but envy will... eat you up,

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<v Speaker 2>it'll eat you up. He's saying it's not only financially

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<v Speaker 2>good for you to be content, it's actually physically good

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<v Speaker 2>for you to live a contented life. The Bible says

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<v Speaker 2>a heart at peace gives life to the body. It

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<v Speaker 2>is invigorating, it is good for your health to be

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<v Speaker 2>at peace, to not always be under tension, to not

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<v Speaker 2>always be stressed out, to not always be worried. He

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<v Speaker 2>said envy, this desire to always have more, will eat

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<v Speaker 2>you up, it will eat you alive. You see, when

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<v Speaker 2>it comes to your health, it's not just what you

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<v Speaker 2>eat that matters, it's what eats you. And if your

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<v Speaker 2>life is filled with worry or bitterness or guilt or

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<v Speaker 2>resentment or anxiety, it's what is eating you that is

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<v Speaker 2>gonna cause you to be in bad health. Now another

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<v Speaker 2>verse in Ecclesiastes also written by Solomon. These two books

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<v Speaker 2>were written by a man named Solomon. Solomon was the

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<v Speaker 2>wisest man who ever lived, the Bible says. God says

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<v Speaker 2>he was the wisest man who ever lived, so he's

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<v Speaker 2>got some good advice for us. He was also the

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<v Speaker 2>wealthiest man in the world when he wrote these two

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<v Speaker 2>books with the principles of money management in them. Ecclesiastes 6.9

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<v Speaker 2>says this. It's better to be satisfied with what you

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<v Speaker 2>have than to always be wanting something else. That's the principle,

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<v Speaker 2>that's the law of contentment. It's better to be satisfied

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<v Speaker 2>with what you have than to always be wanting something else.

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<v Speaker 2>Now I can't think of a more timely subject for

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<v Speaker 2>us to study, particularly not just this series but this

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<v Speaker 2>message as we're beginning the next two months which are

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<v Speaker 2>commonly known as the season of discontent. Because there's more

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<v Speaker 2>discontent and more overspending in this time of year than

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<v Speaker 2>any other time of the year. And over the next

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<v Speaker 2>60 days, your mailbox is going to be filled with catalogs.

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<v Speaker 2>Now as your pastor, as somebody who loves you, I

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<v Speaker 2>just wanna tell you quite bluntly, catalogs are from the devil.

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<v Speaker 2>And they will get you to buy things you don't

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<v Speaker 2>need with money you don't have to impress people you

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<v Speaker 2>don't even like. And you look at these catalogs and

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<v Speaker 2>you think, I gotta have this. How did I ever

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<v Speaker 2>live without this? And you see it and you want it.

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<v Speaker 2>And it creates discontent. Any retailer will tell you that

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<v Speaker 2>you spend most of the year in the red until

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<v Speaker 2>you get to the last two months. And then in

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<v Speaker 2>the last two months, particularly after Black Friday, which is

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<v Speaker 2>the You know, the Friday after Thanksgiving when sometimes some

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<v Speaker 2>businesses turn a profit for the first time in the year,

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<v Speaker 2>and in the last two months of the year, people

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<v Speaker 2>are spending, spending, spending. Before you get into that season,

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<v Speaker 2>to counter that, I want to just quickly show you

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<v Speaker 2>what the Bible says are the effects of always wanting more.

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<v Speaker 2>Now the Bible says that there are five damaging effects

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<v Speaker 2>that when I want more, it brings a lot more

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<v Speaker 2>with it, not just wanting more material goods, it brings

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<v Speaker 2>five other things. And they're all in the book of

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<v Speaker 2>Proverbs and Ecclesiastes. Number one, the first effect of always

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<v Speaker 2>wanting more is that wanting more brings more fatigue. More fatigue.

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<v Speaker 2>You're gonna be more tired. If you're always wanting more,

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<v Speaker 2>you're always working harder and you are tired all the time.

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<v Speaker 2>Being tired all the time is a symptom of your

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<v Speaker 2>trying to do too much. The race to get more

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<v Speaker 2>drives us to overwork, and we see that constantly all

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<v Speaker 2>over Southern California. Tolstoy, 100 years ago, told the story

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<v Speaker 2>of a peasant where his master said, I will give

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<v Speaker 2>you as much land for you to keep as you

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<v Speaker 2>can walk around in one day. And so the present

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<v Speaker 2>started running and he ran so much and so far

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<v Speaker 2>trying to get so much by the end of the

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<v Speaker 2>day he died of exhaustion. And we're dying of exhaustion

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<v Speaker 2>for things. Giving our life. Most people give up their

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<v Speaker 2>health in the first half of life in order to

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<v Speaker 2>get money. They give up their health in order to

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<v Speaker 2>get money. And in the second half of life they

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<v Speaker 2>give up all their money to try to get their

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<v Speaker 2>health back. Be wise and figure that out in advance.

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<v Speaker 2>The first thing is more fatigue. Proverbs 23 verse four,

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<v Speaker 2>the Bible says this. Do not wear yourself out to

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<v Speaker 2>get rich. Have the wisdom to show restraint. He says

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<v Speaker 2>it's dumb, it's foolish to wear yourself out trying to

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<v Speaker 2>get more things. Because even if you win the rat race,

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<v Speaker 2>you're still a rat. Now number two, not only does

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<v Speaker 2>bringing Having more, wanting more, bring more fatigue, it brings

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<v Speaker 2>more expenses. Did you know that? It always costs more

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<v Speaker 2>to have more. It always costs more to have more.

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<v Speaker 2>It brings greater expense. You know, I always say that

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<v Speaker 2>if the grass is greener on the other side of

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<v Speaker 2>the fence, so is the water bill. Because somebody had

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<v Speaker 2>to pay for that green. Now Ecclesiastes 5.11 says this.

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<v Speaker 2>The more you have, the more people come to help

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<v Speaker 2>you spend it. I like that, it's true. The more

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<v Speaker 2>money you got, all of a sudden you gotta have

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<v Speaker 2>an accountant, or you gotta have a housekeeper, or you

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<v Speaker 2>gotta have somebody mowing your lawn. The more money you have,

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<v Speaker 2>the more money you spend, and it says the more

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<v Speaker 2>people you have, the more money you have, the more

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<v Speaker 2>people help you spend it. So what's the advantage of wealth,

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<v Speaker 2>except perhaps to watch it run through your fingers? I

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<v Speaker 2>saw a bumper sticker the other day that said, I

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<v Speaker 2>used to dream of the salary I'm now starving on.

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<v Speaker 2>You know, that's not funny. That's reality. You used to

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<v Speaker 2>dream of the salary that you now are finding it

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<v Speaker 2>hard to make ends meet on and just about the

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<v Speaker 2>time you get ends meet somebody moves the ends you

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<v Speaker 2>say I'm trying to keep up with the Joneses well

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<v Speaker 2>don't because they just file for bankruptcy Now, we think

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<v Speaker 2>that we don't make enough. We think that's the problem.

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<v Speaker 2>We think we don't make enough. The truth is we

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<v Speaker 2>want too much. That's the real problem. We want too much.

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<v Speaker 2>And a lot of things we think are needs are

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<v Speaker 2>actually just greeds. Now, God has said, my God shall

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<v Speaker 2>supply all your needs. He has not said I will

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<v Speaker 2>supply all your greeds. God is not obligated to just

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<v Speaker 2>give you anything you want. So, It brings more frustration,

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<v Speaker 2>it brings more fatigue, it brings more expenses. The third

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<v Speaker 2>thing wanting more does is it brings more anxiety. More anxiety,

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<v Speaker 2>because the more you have, the more you have to

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<v Speaker 2>worry about. If you don't have it, you don't worry

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<v Speaker 2>about it. You know, I have to be honest with you.

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<v Speaker 2>I never, never worry about my yacht getting barnacles. I

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<v Speaker 2>just never worry about it. Why? Because I don't own

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<v Speaker 2>a yacht. And if you don't own something, then you

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<v Speaker 2>don't worry about it. And the fewer things you own,

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<v Speaker 2>the fewer things you have to repair, the fewer things

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<v Speaker 2>you have to maintain, the fewer things you have to insure,

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<v Speaker 2>the fewer things you have to pay the taxes on,

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<v Speaker 2>and all these other things. And now we have so

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<v Speaker 2>many things you can't even keep it in your house,

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<v Speaker 2>you have to buy a place to rent to store

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<v Speaker 2>the things. Now what's the logic of that one? You're

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<v Speaker 2>paying rent on stuff you're not even using. So more anxiety.

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<v Speaker 2>The more you have, the more you worry about. Ecclesiastes 5.12.

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<v Speaker 2>A working man can get a good night's sleep, but

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<v Speaker 2>the rich man has so much that he stays awake worrying.

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<v Speaker 2>What's he worrying about? How to save it, how to

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<v Speaker 2>invest it, how to maintain it, how to insure it,

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<v Speaker 2>how to avoid taxes. I read a study once that

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<v Speaker 2>said insomnia increases with income. Isn't that interesting? That the

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<v Speaker 2>more money you make, the more likely it is you

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<v Speaker 2>are to have sleepless nights. Why? Because you worry about more.

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<v Speaker 2>You got more to worry about. Now, if you have

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<v Speaker 2>more fatigue plus more expenses plus more anxiety, you know

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<v Speaker 2>what that equals? Number four, more conflict. You're gonna have

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<v Speaker 2>more conflict in your home because of these things. Because

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<v Speaker 2>when you're tired, and you got more expenses, and you're

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<v Speaker 2>more anxious, you get in more fights. You have more conflict.

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<v Speaker 2>It causes more turmoil in your family. Proverbs 15, 27 says,

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<v Speaker 2>a greedy man brings trouble to his family. And we

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<v Speaker 2>know that today, the number one cause of divorce is

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<v Speaker 2>financial tension. Every study shows this. The number one cause

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<v Speaker 2>of divorce is people divorce over money. Money issues. It

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<v Speaker 2>is now till debt do us part. First Timothy six,

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<v Speaker 2>verse seven says this. People who long to be rich

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<v Speaker 2>fall into temptation and are trapped by many foolish and

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<v Speaker 2>harmful desires that plunge them into ruin. He's talking about debt,

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<v Speaker 2>financial ruin, and destruction. Why? Because when you long to

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<v Speaker 2>be rich, you are a sucker for get rich quick schemes.

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<v Speaker 2>If you are contented, you don't fall prey to get

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<v Speaker 2>rich quick schemes. Nobody can scam you. You're not gonna

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<v Speaker 2>take risky things because you are contented. People who are

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<v Speaker 2>discontent are always looking for a way to make a

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<v Speaker 2>fast buck. They're always looking for the get rich quick scheme.

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<v Speaker 2>They're always looking for the fast solution, the double your

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<v Speaker 2>return on your money instantly and all of that. And

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<v Speaker 2>the Bible says over and over and over and over again,

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<v Speaker 2>we'll see this when we get to investments, do not

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<v Speaker 2>ever get involved in get rich quick schemes. If it's

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<v Speaker 2>too good to be true, it is. And people who

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<v Speaker 2>are always in a hurry to pay off their debts,

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<v Speaker 2>instead of what the Bible teaches, little by little, systematically, sequentially.

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<v Speaker 2>They're always in a hurry to get out of debt.

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<v Speaker 2>They're always in a hurry to make it big time.

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<v Speaker 2>They are setting themselves up for temptations, traps, foolish desires

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<v Speaker 2>that plunge them into ruin and debt and destruction. People,

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<v Speaker 2>when they're not content, fall prey to get-rich-quick schemes. They're

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<v Speaker 2>always looking for a fast way. Warren Buffett, Warren Buffett,

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<v Speaker 2>the wealthiest man in the world, his number one rule

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<v Speaker 2>of investment, you know what it is? Very simple. Buffett's

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<v Speaker 2>number one rule is this. Never lose the money you've

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<v Speaker 2>already earned. In other words, it's more important to keep

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<v Speaker 2>what you've got than to take the big risk on it.

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<v Speaker 2>It doesn't matter if you make a high return, if

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<v Speaker 2>you keep losing stuff, you're going backwards over time. Buffett's

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<v Speaker 2>number one rule for becoming a billionaire, never lose what

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<v Speaker 2>you've already earned. And yet people lose it all the

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<v Speaker 2>time in an attempt to get rich quick. And it's foolish.

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<v Speaker 2>I have to tell you, Kay and I have never

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<v Speaker 2>lost a penny to get rich quick schemes. I've never

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<v Speaker 2>lost a penny that I've earned on the lottery. I've

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<v Speaker 2>never lost a penny in Vegas, why? Because I'm not

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<v Speaker 2>about to involve myself in those easy come, easy go,

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<v Speaker 2>get rich quick schemes, which really, you're gonna lose it.

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<v Speaker 2>You may as well just go to Vegas and just

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<v Speaker 2>hand them the money and come home. The house is

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<v Speaker 2>going to win. Somebody pays for those tall buildings, it's you.

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<v Speaker 2>You pay for it. And the odds are not in

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<v Speaker 2>your favor. And the Bible says that's foolish. When a

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<v Speaker 2>contented person is not lured, ever lured by the lottery.

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<v Speaker 2>Because you're contented. So you're keeping what you've got. And

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<v Speaker 2>as I said last week, Albert Einstein said, the single

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<v Speaker 2>most powerful force in the universe is the power of

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<v Speaker 2>compounding interest. That you set it away a little bit

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<v Speaker 2>at a time and you let compounding interest It'll make

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<v Speaker 2>you rich, not instantly, but over time. I started putting

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<v Speaker 2>away 50 cents a week toward my retirement at age 17.

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<v Speaker 2>And that's why I've served this church for free for

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<v Speaker 2>10 years. Because essentially I retired 10 years ago. Because

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<v Speaker 2>I don't have to take a salary. Why? Because I

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<v Speaker 2>had been saving since I was a teenager. And the

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<v Speaker 2>power of compounding interest builds up over time. It's called

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<v Speaker 2>the little by little principle. We'll look at that. Now,

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<v Speaker 2>he says you're gonna get trapped if you're not contented.

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<v Speaker 2>Now there's one other problem that happens. The effect of

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<v Speaker 2>always wanting more is that wanting more brings more dissatisfaction.

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<v Speaker 2>It brings, number five, more dissatisfaction. You see, we think

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<v Speaker 2>having more will make me more happy. Having more will

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<v Speaker 2>make me more secure. Having more will make me more important.

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<v Speaker 2>Having more will make me more loved. None of that

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<v Speaker 2>is true. Now, it is true that you can buy

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<v Speaker 2>happiness for short term, but it doesn't last. The feelings

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<v Speaker 2>don't last. They go away very quickly. It's true. You

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<v Speaker 2>can go out and buy a new car and when

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<v Speaker 2>you get that new car, you're gonna be happy. You

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<v Speaker 2>can buy happiness for a short period of time. And

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<v Speaker 2>you'll be happy and you get in the car and

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<v Speaker 2>it smells, you know that new car smell?

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<v Speaker 1>Ah.

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<v Speaker 2>But how long does that new car smell? About a

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<v Speaker 2>couple weeks. And then, you know, the moment you drove

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<v Speaker 2>it off the lot, it was less $ 10, 000 than what

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<v Speaker 2>you paid for it. Because it's not new anymore. You

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<v Speaker 2>just lost $ 10, 000 in equity just right there, bam, just

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<v Speaker 2>like that. And then in a couple years, you don't

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<v Speaker 2>care about it anymore. Now this is true with everything

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<v Speaker 2>you buy. You go out and you buy a piece

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<v Speaker 2>of art and you go, man, I just love that art.

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<v Speaker 2>And you put it up in your house and it's

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<v Speaker 2>beautiful and it looks so great and it makes you

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<v Speaker 2>happy for a while. But after a while, you're not

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<v Speaker 2>happy anymore. And you get new drapes and you love

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<v Speaker 2>those drapes, but after a while, you're not happy anymore. Why? Why?

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<v Speaker 2>Because things, people change and things don't. Things don't change.

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<v Speaker 2>So we get bored with them and we have to

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<v Speaker 2>redecorate and we have to remodel and we have to

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<v Speaker 2>refurbish and we have to rearrange and we have to

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<v Speaker 2>replace and we are addicted to upgrades. And you get

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<v Speaker 2>a new dress or you get a new shirt or

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<v Speaker 2>you get a new pair of shoes and the first

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<v Speaker 2>time you put it on you walk out and you go,

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<v Speaker 2>I am sexy. You're looking good. You're feeling good. The

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<v Speaker 2>fourth time you wear that shirt or that dress, you

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<v Speaker 2>don't feel sexy anymore. It doesn't even bother you anymore.

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<v Speaker 2>You don't even think about it anymore. Why? People change,

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<v Speaker 2>but things don't. So contrary to what you may think,

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<v Speaker 2>the Constitution does not say every American has the right

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<v Speaker 2>to life, liberty, and the purchase of happiness. Because when

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<v Speaker 2>you purchase it, it's not going to last.

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<v Speaker 1>What a great message from Pastor Rick. I hope it

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<v Speaker 1>touched you just like it touched me today. And now

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<v Speaker 1>let's end our show with a closing thought from Rick.

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<v Speaker 2>God has five purposes for your life. He wants you

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<v Speaker 2>to know and love him. That's called worship. He wants

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<v Speaker 2>you to belong to his family. That's called fellowship. He

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<v Speaker 2>wants you to grow in character, to be more like Christ.

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<v Speaker 2>That's called discipleship. And he wants you to learn to

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<v Speaker 2>serve using your gifts and talents. Serve God by serving others.

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<v Speaker 2>That's called your ministry. Finally, he wants you to share

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<v Speaker 2>the good news and your life message with other people

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<v Speaker 2>around the world. That's called your mission. I'd like to

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<v Speaker 2>close today to talk to you for just a second

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<v Speaker 2>about your personal mission. Did you know that the Bible

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<v Speaker 2>says every time somebody accepts the Lord, they throw a

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<v Speaker 2>party in heaven? Did you know that? It's right there

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<v Speaker 2>in Luke 15, verse seven, where the Bible says there's

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<v Speaker 2>more joy in heaven over one sinner who changes his

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<v Speaker 2>heart and life than over 99 who don't need to

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<v Speaker 2>turn to Christ who are already there. The day that

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<v Speaker 2>you accepted Jesus Christ, there was a party in heaven

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<v Speaker 2>for you. And by the way, the day that you

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<v Speaker 2>help somebody else come to know the Lord There's gonna

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<v Speaker 2>be a party in heaven, but there's also gonna be

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<v Speaker 2>a party in your heart. I wanna encourage you today

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<v Speaker 2>to look outward, to look around you and see the

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<v Speaker 2>people who need to hear about the love of God,

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<v Speaker 2>about the message of Christ, about the purpose of life,

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<v Speaker 2>about the daily hope that we have in our hearts.

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<v Speaker 2>The Bible says, always be ready to share the hope

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<v Speaker 2>that is within you. Could I pray for you? And

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<v Speaker 2>as we bow in prayer, you might wanna pray this

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<v Speaker 2>prayer with me. Say, Father, I want the joy that

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<v Speaker 2>you've given me to be shared with other people. And

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<v Speaker 2>a lot of times I'm afraid or hesitant to talk

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<v Speaker 2>about you to others. Would you give me so much

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<v Speaker 2>love for other people that the love overcomes my fears

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<v Speaker 2>and gives me the right words to say as I

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<v Speaker 2>share the hope that's in me? Allow me to help

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<v Speaker 2>others find you to find real hope, to find joy

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<v Speaker 2>through knowing you. Thank you, Lord, so much for trusting

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<v Speaker 2>me to help bring others to you. I want to

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<v Speaker 2>accept my mission, and I want to use it for

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<v Speaker 2>your glory and in the power of your spirit. Thank you, Jesus.

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<v Speaker 2>Put somebody in my life today that I can tell

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<v Speaker 2>about you. In your name I pray. Amen.

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<v Speaker 1>Be sure to join us next time as we look

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<v Speaker 1>into God's word for our daily hope. This program is

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<v Speaker 1>sponsored by Pastor Rick's Daily Hope and your generous financial support.