WEBVTT

1
00:00:02.439 --> 00:00:03.120
<v Speaker 2>Hey, everybody.

2
00:00:03.350 --> 00:00:06.969
<v Speaker 1>Welcome to Pastor Rick's Daily Hope. Well, we're talking about

3
00:00:07.070 --> 00:00:07.750
<v Speaker 1>your money.

4
00:00:08.029 --> 00:00:08.550
<v Speaker 2>That's right.

5
00:00:08.789 --> 00:00:13.509
<v Speaker 1>We're continuing a powerful series called Financial Fitness. Rick is

6
00:00:13.619 --> 00:00:16.789
<v Speaker 1>opening God's Word and showing us how to manage what

7
00:00:16.829 --> 00:00:20.750
<v Speaker 1>we've been given with wisdom, faith, and purpose. And I

8
00:00:20.809 --> 00:00:24.449
<v Speaker 1>know if you apply these biblical principles, you'll start to

9
00:00:24.530 --> 00:00:29.969
<v Speaker 1>experience true financial freedom and lasting peace. Today we're continuing

10
00:00:30.010 --> 00:00:32.869
<v Speaker 1>with part two of a message called The Habits of

11
00:00:33.009 --> 00:00:33.990
<v Speaker 1>Financial Health.

12
00:00:34.890 --> 00:00:37.700
<v Speaker 2>I remember in the very first year of church, I

13
00:00:37.740 --> 00:00:40.310
<v Speaker 2>led a guy to Christ. And he was a nice

14
00:00:40.369 --> 00:00:43.710
<v Speaker 2>guy and he genuinely was converted to Christ. But he

15
00:00:43.750 --> 00:00:49.409
<v Speaker 2>was a dreamer who never could make anything happen and

16
00:00:49.549 --> 00:00:52.320
<v Speaker 2>it was simply one big idea after another. And one

17
00:00:52.359 --> 00:00:54.000
<v Speaker 2>day he came to me and he said, Pastor Rick,

18
00:00:54.679 --> 00:00:57.000
<v Speaker 2>this church has changed my life and I'm working on

19
00:00:57.060 --> 00:01:01.460
<v Speaker 2>a deal that is gonna make Saddleback Church $ 50 million.

20
00:01:02.700 --> 00:01:05.170
<v Speaker 2>Well now as a 25 year old pastor, I'm gonna

21
00:01:05.189 --> 00:01:10.019
<v Speaker 2>listen to that. Years later, I don't pay that attention

22
00:01:10.060 --> 00:01:12.989
<v Speaker 2>at all. I want to say, show me the money.

23
00:01:15.390 --> 00:01:17.730
<v Speaker 2>This dream is just a bunch, and it seemed like

24
00:01:18.329 --> 00:01:21.379
<v Speaker 2>about the time he'd get this big dream for $ 50 million,

25
00:01:21.609 --> 00:01:24.379
<v Speaker 2>and then before it was closed, he jumped to a

26
00:01:24.420 --> 00:01:26.920
<v Speaker 2>bigger one. No, we're not doing that anymore because this

27
00:01:26.939 --> 00:01:30.609
<v Speaker 2>one's going to bring in $ 75 million. $ 75 million. And then,

28
00:01:30.969 --> 00:01:35.060
<v Speaker 2>you know, instead of closing that deal, well, no, we're

29
00:01:35.079 --> 00:01:36.500
<v Speaker 2>not going to do that anymore. We're doing the $ 100

30
00:01:36.459 --> 00:01:38.939
<v Speaker 2>million one. And it kept on doing. And at the

31
00:01:39.019 --> 00:01:41.319
<v Speaker 2>end of the year, I realized I had paid for

32
00:01:41.359 --> 00:01:47.879
<v Speaker 2>all the lunches. Beware the guy who's got the billion

33
00:01:47.920 --> 00:01:51.359
<v Speaker 2>dollar idea, but he can't afford to have his suit pressed.

34
00:01:53.209 --> 00:01:57.769
<v Speaker 2>Or pay the meal, pay the bills. Just go out

35
00:01:57.790 --> 00:02:00.709
<v Speaker 2>and get a job, buddy. Just get a job, okay?

36
00:02:01.370 --> 00:02:03.049
<v Speaker 2>You know, you don't wait for the ship to come in.

37
00:02:03.090 --> 00:02:07.269
<v Speaker 2>You swim out to it and do that. So here's

38
00:02:07.310 --> 00:02:10.550
<v Speaker 2>what the Bible says. Look at the next verse. Proverbs 21, five.

39
00:02:11.069 --> 00:02:19.110
<v Speaker 2>Steady plotting brings prosperity. Hasty speculation brings poverty. Circle the

40
00:02:19.150 --> 00:02:24.169
<v Speaker 2>word hasty. Here's another law for you. You make financial

41
00:02:24.229 --> 00:02:29.789
<v Speaker 2>decisions slowly. If you wanna be wise, you make financial

42
00:02:29.849 --> 00:02:33.099
<v Speaker 2>decisions slowly. If it's a good deal, it'll be a

43
00:02:33.180 --> 00:02:35.539
<v Speaker 2>good deal tomorrow. You don't have to make, you know,

44
00:02:35.580 --> 00:02:38.759
<v Speaker 2>when you're in a business, when you're in a store

45
00:02:39.199 --> 00:02:42.180
<v Speaker 2>and that salesman is pressuring you to buy right now

46
00:02:42.520 --> 00:02:45.520
<v Speaker 2>and it is a major priced item, you need to

47
00:02:45.560 --> 00:02:48.860
<v Speaker 2>go home and think about it. You need to sleep

48
00:02:49.000 --> 00:02:52.210
<v Speaker 2>on it. You need to take your time. If it's

49
00:02:52.250 --> 00:02:55.610
<v Speaker 2>a good deal, it'll be a good deal tomorrow. Hasty

50
00:02:55.969 --> 00:02:58.889
<v Speaker 2>speculation leads to poverty. It means you get in a hurry.

51
00:02:58.909 --> 00:03:00.789
<v Speaker 2>You get emotionally involved. You want to do it now.

52
00:03:01.689 --> 00:03:05.960
<v Speaker 2>Now notice it says steady plotting brings prosperity. Circle the

53
00:03:05.979 --> 00:03:09.120
<v Speaker 2>word plotting. This is where he's saying you just keep

54
00:03:09.199 --> 00:03:11.340
<v Speaker 2>on doing the right thing. You do it a little

55
00:03:11.360 --> 00:03:13.659
<v Speaker 2>bit at a time, but over a long time, little

56
00:03:13.719 --> 00:03:16.250
<v Speaker 2>things build up. You save a little, save a little,

57
00:03:16.270 --> 00:03:18.009
<v Speaker 2>save a little, save a little, and pretty soon it

58
00:03:18.069 --> 00:03:23.120
<v Speaker 2>all adds up. Steady plotting brings prosperity. I've mentioned this

59
00:03:23.159 --> 00:03:25.939
<v Speaker 2>in every session we've done in this series. The most

60
00:03:26.030 --> 00:03:33.270
<v Speaker 2>powerful factor in mathematics is compounding interest. And over a

61
00:03:33.330 --> 00:03:37.789
<v Speaker 2>period of time, little becomes much with compounding interest. And

62
00:03:38.000 --> 00:03:42.020
<v Speaker 2>over a long period of time, turtles always beat rabbits.

63
00:03:44.039 --> 00:03:46.439
<v Speaker 2>Because the rabbits get in a hurry. And then they

64
00:03:46.460 --> 00:03:48.319
<v Speaker 2>stop over here to have a party with so and so.

65
00:03:48.340 --> 00:03:50.219
<v Speaker 2>And then they go over here to do this. And

66
00:03:50.250 --> 00:03:53.469
<v Speaker 2>the turtle's just plodding along and crosses the finish line

67
00:03:53.669 --> 00:03:57.430
<v Speaker 2>before everybody else. So God says, if you want my

68
00:03:57.490 --> 00:04:01.139
<v Speaker 2>blessing on your finances, first, you gotta remember that I'm

69
00:04:01.180 --> 00:04:04.280
<v Speaker 2>your security and I'm your source. And number two, you

70
00:04:04.300 --> 00:04:07.900
<v Speaker 2>gotta make your money honestly. You gotta... Be fair in

71
00:04:07.939 --> 00:04:10.219
<v Speaker 2>your deals and you can't charge high interest. You don't

72
00:04:10.259 --> 00:04:14.310
<v Speaker 2>get involved in get rich quick schemes and scams. Hasty speculation,

73
00:04:14.349 --> 00:04:18.470
<v Speaker 2>you do steady plotting, all right? Number three, the third

74
00:04:18.550 --> 00:04:24.290
<v Speaker 2>habit you have to develop is honor God first. I

75
00:04:24.410 --> 00:04:28.720
<v Speaker 2>honor God first with my money. Now, I don't have

76
00:04:28.740 --> 00:04:29.980
<v Speaker 2>to spend a lot of time on this one. We

77
00:04:30.060 --> 00:04:31.939
<v Speaker 2>can just kind of review it quickly and get on

78
00:04:31.959 --> 00:04:34.319
<v Speaker 2>to the others because most of you know this principle,

79
00:04:34.360 --> 00:04:37.680
<v Speaker 2>the principle of tithing. The bottom line is this. Whatever

80
00:04:37.740 --> 00:04:41.180
<v Speaker 2>I want God to bless, I put him first in.

81
00:04:41.500 --> 00:04:43.360
<v Speaker 2>If I want God to bless my marriage, I put

82
00:04:43.399 --> 00:04:46.439
<v Speaker 2>him first in my marriage. If I want God to

83
00:04:46.600 --> 00:04:49.139
<v Speaker 2>bless my time, I put him first in my time.

84
00:04:49.189 --> 00:04:51.149
<v Speaker 2>I'm giving the first part of every day in a

85
00:04:51.189 --> 00:04:54.889
<v Speaker 2>quiet time. If I want God to bless my business,

86
00:04:54.930 --> 00:04:57.550
<v Speaker 2>I put him first in my business. If I want

87
00:04:57.610 --> 00:05:00.589
<v Speaker 2>God to bless my money, I put him first in

88
00:05:00.629 --> 00:05:03.370
<v Speaker 2>my money. Now this is the principle of tithing. They're

89
00:05:03.389 --> 00:05:06.300
<v Speaker 2>right off the top. I give the first 10% back

90
00:05:06.360 --> 00:05:09.180
<v Speaker 2>to God. Now, again, I don't have to explain this

91
00:05:09.199 --> 00:05:11.399
<v Speaker 2>in detail. We've talked about this a lot. So just

92
00:05:11.420 --> 00:05:15.279
<v Speaker 2>look at these four verses. The promise, the purpose, the place,

93
00:05:15.639 --> 00:05:18.029
<v Speaker 2>and the day. That's what these four verses are. Here's

94
00:05:18.069 --> 00:05:22.189
<v Speaker 2>the promise about tithing. Proverbs 3. Honor the Lord by

95
00:05:22.269 --> 00:05:26.610
<v Speaker 2>giving him the leftovers of all your income, and he

96
00:05:26.649 --> 00:05:30.009
<v Speaker 2>will fill your barns to overflow. Oh, it doesn't say that,

97
00:05:30.050 --> 00:05:33.430
<v Speaker 2>does it? It says what? First, what does it say?

98
00:05:34.319 --> 00:05:40.509
<v Speaker 2>First part, first part. Now, Kay and I, 36 years ago, said, okay, look,

99
00:05:40.689 --> 00:05:43.110
<v Speaker 2>if we're in debt to anybody, we're not gonna be

100
00:05:43.149 --> 00:05:45.170
<v Speaker 2>in debt to God. God gets paid first, right off

101
00:05:45.189 --> 00:05:48.610
<v Speaker 2>the top. If I make 10 bucks, the first dollar

102
00:05:48.629 --> 00:05:50.470
<v Speaker 2>goes back to him. If I make 100 bucks, the

103
00:05:50.490 --> 00:05:52.350
<v Speaker 2>first 10 bucks go back to God. I may be

104
00:05:52.370 --> 00:05:53.810
<v Speaker 2>in debt to you, I may be in debt to

105
00:05:53.850 --> 00:05:55.410
<v Speaker 2>other people, I am not gonna be in debt to

106
00:05:55.449 --> 00:05:57.750
<v Speaker 2>God because it all comes from God in the first

107
00:05:57.810 --> 00:06:01.459
<v Speaker 2>place and I want his blessing on the rest of it.

108
00:06:01.949 --> 00:06:04.079
<v Speaker 2>So the promise is, if I honor him with the

109
00:06:04.120 --> 00:06:07.560
<v Speaker 2>first part of my income, he will bless me financially.

110
00:06:08.040 --> 00:06:11.180
<v Speaker 2>now what's the purpose of that why does God tell

111
00:06:11.240 --> 00:06:14.620
<v Speaker 2>us to tithe next verse Deuteronomy 14 the purpose of

112
00:06:14.680 --> 00:06:19.500
<v Speaker 2>tithing is because God is poor no it doesn't say

113
00:06:19.540 --> 00:06:22.459
<v Speaker 2>that the purpose of tithing is to teach you to

114
00:06:22.720 --> 00:06:26.250
<v Speaker 2>always put God first in your lives God doesn't need

115
00:06:26.310 --> 00:06:29.209
<v Speaker 2>my money God doesn't need your money he wants what

116
00:06:29.230 --> 00:06:32.790
<v Speaker 2>it represents he wants me to trust him And when

117
00:06:32.930 --> 00:06:35.329
<v Speaker 2>I tithe, when I give the first part of my

118
00:06:35.389 --> 00:06:37.389
<v Speaker 2>income back to God before anything else is a gift

119
00:06:37.410 --> 00:06:40.850
<v Speaker 2>to him, it says three things. Past, present, future. God,

120
00:06:41.509 --> 00:06:43.829
<v Speaker 2>thank you. I'm grateful for all you've given me in

121
00:06:43.850 --> 00:06:46.970
<v Speaker 2>the past. You're number one in my life right now.

122
00:06:47.569 --> 00:06:50.769
<v Speaker 2>And I'm going to trust you in the future. That's

123
00:06:50.810 --> 00:06:54.069
<v Speaker 2>the purpose of it, okay? The place, where do I tithe?

124
00:06:54.089 --> 00:06:55.949
<v Speaker 2>I mean, do I tithe the United Way, or do

125
00:06:56.009 --> 00:06:58.740
<v Speaker 2>I tithe to my brother who's been out of work

126
00:06:58.750 --> 00:07:02.600
<v Speaker 2>for three years? No, that's charity. Tithing is an act

127
00:07:02.740 --> 00:07:05.019
<v Speaker 2>of worship. It goes to God, not to my friend,

128
00:07:05.100 --> 00:07:08.259
<v Speaker 2>not to charity. It goes to God. It's an act

129
00:07:08.300 --> 00:07:14.759
<v Speaker 2>of worship. Malachi 3.10. Bring to my storehouse a full tenth. Now,

130
00:07:14.800 --> 00:07:16.800
<v Speaker 2>by the way, what's a storehouse? It's the temple. He says,

131
00:07:16.839 --> 00:07:19.300
<v Speaker 2>bring to the temple where you worship me, bring to

132
00:07:19.339 --> 00:07:22.930
<v Speaker 2>my storehouse, a full tenth of what you earn. Test

133
00:07:22.970 --> 00:07:26.050
<v Speaker 2>me in this, says the Lord, and I will open

134
00:07:26.089 --> 00:07:29.430
<v Speaker 2>the windows of heaven for you and pour out all

135
00:07:29.790 --> 00:07:33.569
<v Speaker 2>the blessings you need. He says, I dare you. This

136
00:07:33.589 --> 00:07:36.360
<v Speaker 2>is a Pepsi challenge test. Test me in this. He said,

137
00:07:37.459 --> 00:07:39.980
<v Speaker 2>you bring it to me as an act of worship. Now,

138
00:07:40.019 --> 00:07:42.120
<v Speaker 2>when do I do it? Well, you do it on

139
00:07:42.160 --> 00:07:46.459
<v Speaker 2>the day you worship. First Corinthians 16 says this. On

140
00:07:46.500 --> 00:07:50.779
<v Speaker 2>the first day of every week, That's the day we worship, Sunday.

141
00:07:51.240 --> 00:07:53.980
<v Speaker 2>Put aside some of what you've earned during the week

142
00:07:54.079 --> 00:07:56.399
<v Speaker 2>and use it for the offering. The amount depends on

143
00:07:56.439 --> 00:07:58.180
<v Speaker 2>how much the Lord has helped you earn. As I said,

144
00:07:58.420 --> 00:08:01.360
<v Speaker 2>if I make 10 bucks, I give God a return,

145
00:08:01.639 --> 00:08:04.480
<v Speaker 2>a dollar. If I make $ 100, I give him $ 10. Now,

146
00:08:05.740 --> 00:08:08.000
<v Speaker 2>on the first day of the week, the first part

147
00:08:08.019 --> 00:08:10.500
<v Speaker 2>of my day and the first part of my money,

148
00:08:10.699 --> 00:08:14.079
<v Speaker 2>then God is saying, you're really number one in my life. Now,

149
00:08:15.040 --> 00:08:17.959
<v Speaker 2>circle the phrase put aside. Put aside. Because notice, that

150
00:08:18.000 --> 00:08:21.100
<v Speaker 2>means you gotta plan this. This is not an impulsive thing,

151
00:08:21.120 --> 00:08:23.959
<v Speaker 2>you gotta plan it. Because I don't normally plan to

152
00:08:24.019 --> 00:08:28.879
<v Speaker 2>bring money to worship. Okay, so you got that, you

153
00:08:28.920 --> 00:08:32.289
<v Speaker 2>know about tithing. The plan, the purpose, the promise, and

154
00:08:32.309 --> 00:08:34.950
<v Speaker 2>the day. Now, let's go to the fourth. Number four

155
00:08:35.710 --> 00:08:40.799
<v Speaker 2>is save money wisely. If I want God's blessing on

156
00:08:40.820 --> 00:08:42.600
<v Speaker 2>my finance, if I want to get out of debt,

157
00:08:42.980 --> 00:08:46.740
<v Speaker 2>I must learn to save money wisely. And notice, this

158
00:08:46.840 --> 00:08:52.409
<v Speaker 2>is number four. First, I remember God as my source. Second,

159
00:08:52.470 --> 00:08:55.470
<v Speaker 2>I make the money honestly. Third, I honor God first.

160
00:08:55.629 --> 00:08:58.129
<v Speaker 2>And fourth, I save some of it. You say, Rick,

161
00:08:58.149 --> 00:09:00.049
<v Speaker 2>are you telling me to save my money before I

162
00:09:00.090 --> 00:09:02.970
<v Speaker 2>pay my bills? That's exactly what I'm telling you to do.

163
00:09:03.929 --> 00:09:07.480
<v Speaker 2>Because that's what the Bible says. If you wait until

164
00:09:07.720 --> 00:09:10.370
<v Speaker 2>all your bills are paid off to start saving, you

165
00:09:10.399 --> 00:09:14.529
<v Speaker 2>will never save anything. Most people are gonna get to

166
00:09:14.570 --> 00:09:18.450
<v Speaker 2>retirement flat broke because they spent all their money and

167
00:09:18.570 --> 00:09:23.029
<v Speaker 2>never saved anything. The Bible clearly states you pay God

168
00:09:23.110 --> 00:09:26.570
<v Speaker 2>first and you pay yourself second and then you spend

169
00:09:26.590 --> 00:09:29.179
<v Speaker 2>the rest on your bills and repayment and things like that.

170
00:09:29.559 --> 00:09:34.490
<v Speaker 2>If you don't, you will never save anything. John D.

171
00:09:34.529 --> 00:09:38.019
<v Speaker 2>Rockefeller was the Bill Gates of his day. He was

172
00:09:38.059 --> 00:09:41.779
<v Speaker 2>the first mega-millionaire in America. And they asked him one time, said,

173
00:09:41.960 --> 00:09:44.220
<v Speaker 2>how do you get to be a mega-millionaire? He says,

174
00:09:44.259 --> 00:09:47.919
<v Speaker 2>the 10-10-80 principle. I tithe the first 10%, I save

175
00:09:47.960 --> 00:09:52.529
<v Speaker 2>the second 10%, and I live on 80%. The 10-10-80 principle.

176
00:09:52.929 --> 00:09:55.210
<v Speaker 2>Kay and I have practiced this, well, and even more

177
00:09:55.230 --> 00:09:58.990
<v Speaker 2>than that, for many, many years. And if you do this,

178
00:09:59.029 --> 00:10:03.000
<v Speaker 2>you're systematically putting God first and putting your savings second,

179
00:10:03.399 --> 00:10:06.299
<v Speaker 2>it will start to add up over time. Did you

180
00:10:06.360 --> 00:10:11.470
<v Speaker 2>know that God says your savings account tests your IQ?

181
00:10:12.850 --> 00:10:16.629
<v Speaker 2>It shows how smart you are. By looking at your savings,

182
00:10:16.669 --> 00:10:19.629
<v Speaker 2>you can tell how wise you are with your money.

183
00:10:20.350 --> 00:10:24.990
<v Speaker 2>Notice this verse, Proverbs 21, 20. The wise man, in

184
00:10:25.009 --> 00:10:28.289
<v Speaker 2>other words, the smart man, the intelligent man, the wise

185
00:10:28.350 --> 00:10:33.299
<v Speaker 2>man saves for the future, but the foolish man spends

186
00:10:33.679 --> 00:10:40.059
<v Speaker 2>whatever he gets. Uh-oh. Okay, that's a verse you probably

187
00:10:40.100 --> 00:10:43.120
<v Speaker 2>ought to put on your refrigerator door. Actually, you ought

188
00:10:43.139 --> 00:10:45.049
<v Speaker 2>to put it on a Post-it note and wrap it

189
00:10:45.090 --> 00:10:50.620
<v Speaker 2>around your credit card. The wise man saves for the future,

190
00:10:51.059 --> 00:10:55.039
<v Speaker 2>but the foolish man spends whatever he gets. Did you

191
00:10:55.080 --> 00:10:59.070
<v Speaker 2>know that the average Japanese saves 25% of their income?

192
00:10:59.870 --> 00:11:04.090
<v Speaker 2>The average European saves 15% of their income. Last year,

193
00:11:04.169 --> 00:11:09.409
<v Speaker 2>the average American spent 1% more than they made. We

194
00:11:09.450 --> 00:11:12.850
<v Speaker 2>are not saving anything. And not only is the government

195
00:11:12.889 --> 00:11:17.539
<v Speaker 2>being irresponsible, we are being irresponsible. And we're not saving.

196
00:11:18.200 --> 00:11:20.759
<v Speaker 2>And as a result, you're gonna get to retirement and

197
00:11:20.779 --> 00:11:23.799
<v Speaker 2>there's nothing gonna be there. Let me give you a

198
00:11:23.840 --> 00:11:27.029
<v Speaker 2>little question that will help you start saving. You simply

199
00:11:27.110 --> 00:11:32.750
<v Speaker 2>ask this one. Do I really need this item? And

200
00:11:32.789 --> 00:11:35.049
<v Speaker 2>if you'll just stop before you buy anything, just stop

201
00:11:35.110 --> 00:11:40.120
<v Speaker 2>and ask yourself, do I really need this? Because you

202
00:11:40.139 --> 00:11:42.519
<v Speaker 2>could be taking that money and putting it, instead of

203
00:11:42.580 --> 00:11:46.200
<v Speaker 2>spending it on this little trinket, putting it in the bank,

204
00:11:46.279 --> 00:11:48.899
<v Speaker 2>putting in savings, putting in investment, and when you are

205
00:11:48.990 --> 00:11:52.230
<v Speaker 2>saving money, your money is working for you instead of

206
00:11:52.289 --> 00:11:55.730
<v Speaker 2>you working for your money. Most people never get out

207
00:11:55.769 --> 00:11:58.669
<v Speaker 2>of debt because they spend their entire lives working for money.

208
00:12:00.299 --> 00:12:03.000
<v Speaker 2>When you start saving it, your money works for you

209
00:12:03.259 --> 00:12:07.500
<v Speaker 2>because even while you're sleeping, it's making interest. and your

210
00:12:07.580 --> 00:12:11.559
<v Speaker 2>money is making money for you. When you're saved, you

211
00:12:11.600 --> 00:12:13.840
<v Speaker 2>make money work for you. Now let's look at some

212
00:12:13.879 --> 00:12:16.000
<v Speaker 2>of the principles of saving and investing from the word

213
00:12:16.039 --> 00:12:22.620
<v Speaker 2>of God. Proverbs 24 says this, verse 27. Develop your

214
00:12:22.759 --> 00:12:27.029
<v Speaker 2>business first before building your house. Did you know that

215
00:12:27.070 --> 00:12:31.100
<v Speaker 2>verse was in the Bible? Develop your business before building

216
00:12:31.139 --> 00:12:33.379
<v Speaker 2>your house. What does that verse mean? It means before

217
00:12:33.419 --> 00:12:36.830
<v Speaker 2>you go buy the new drapes, before you go redecorate,

218
00:12:36.879 --> 00:12:41.990
<v Speaker 2>before you buy another piece of furniture or art, you

219
00:12:42.029 --> 00:12:45.029
<v Speaker 2>ought to take that money instead and invest it in

220
00:12:45.110 --> 00:12:47.870
<v Speaker 2>something that's gonna make money for you. Now most of

221
00:12:47.909 --> 00:12:51.629
<v Speaker 2>you don't have your own businesses. And these days, everybody

222
00:12:51.669 --> 00:12:55.250
<v Speaker 2>was self-employed, everybody had their own business. But he's saying,

223
00:12:55.509 --> 00:12:59.299
<v Speaker 2>take your money and instead of buying a thing with it,

224
00:12:59.690 --> 00:13:02.450
<v Speaker 2>take it and put it in something that makes money

225
00:13:02.529 --> 00:13:05.840
<v Speaker 2>with it so you're investing and you're making more money

226
00:13:06.139 --> 00:13:10.639
<v Speaker 2>all along. Develop your business first before building your house. See,

227
00:13:10.679 --> 00:13:13.600
<v Speaker 2>here's the problem most people do. They get a raise

228
00:13:14.620 --> 00:13:16.059
<v Speaker 2>and when you get a raise, you know what you

229
00:13:16.080 --> 00:13:19.350
<v Speaker 2>ought to do? Keep living at the same level and

230
00:13:19.409 --> 00:13:22.019
<v Speaker 2>put that money, sock it away in the bank. or

231
00:13:22.059 --> 00:13:25.019
<v Speaker 2>in some investment. Don't raise your standard living. What most

232
00:13:25.039 --> 00:13:26.379
<v Speaker 2>people do as soon as they get a raise, they

233
00:13:26.419 --> 00:13:28.070
<v Speaker 2>go out and they buy a new car. That's the

234
00:13:28.169 --> 00:13:32.690
<v Speaker 2>last thing you need to do. First place, when you

235
00:13:32.730 --> 00:13:34.850
<v Speaker 2>buy a new car, the moment you drive it off

236
00:13:34.870 --> 00:13:37.200
<v Speaker 2>the lot, it's worth $ 10, 000 less than you paid for it.

237
00:13:38.230 --> 00:13:40.529
<v Speaker 2>But you're still gonna pay the interest on all that

238
00:13:40.690 --> 00:13:43.389
<v Speaker 2>even though it's depreciated. You have just invested in the

239
00:13:43.429 --> 00:13:46.629
<v Speaker 2>depreciating item that's gonna get cheaper and cheaper while you're

240
00:13:46.669 --> 00:13:48.970
<v Speaker 2>paying more and more interest and it's going like this

241
00:13:49.210 --> 00:13:55.289
<v Speaker 2>and that creates debt. Now, I'm serious about this. If

242
00:13:55.370 --> 00:13:58.830
<v Speaker 2>you will take the money that you're spending on things,

243
00:13:59.129 --> 00:14:01.629
<v Speaker 2>instead of going and buying that big plasma screen that

244
00:14:01.649 --> 00:14:03.590
<v Speaker 2>maybe you can't afford, what you need to do is

245
00:14:03.629 --> 00:14:05.309
<v Speaker 2>take that money and put it in the bank and

246
00:14:05.350 --> 00:14:09.070
<v Speaker 2>let it sit there for years. You need to get

247
00:14:09.129 --> 00:14:11.149
<v Speaker 2>as much pleasure out of saving as you do out

248
00:14:11.169 --> 00:14:13.570
<v Speaker 2>of spending. A lot of people, when they get depressed,

249
00:14:13.590 --> 00:14:17.159
<v Speaker 2>they wanna go shopping. And there is a rush in

250
00:14:17.220 --> 00:14:20.179
<v Speaker 2>spending money. But you should get that attitude and change

251
00:14:20.200 --> 00:14:22.919
<v Speaker 2>it to saving money. Say, oh, honey, I had such

252
00:14:22.950 --> 00:14:25.529
<v Speaker 2>a great day today. What'd you do? I put $ 50

253
00:14:25.190 --> 00:14:29.710
<v Speaker 2>more in the bank. Well, good. Now, I'm serious about this.

254
00:14:30.110 --> 00:14:33.649
<v Speaker 2>I retired at 47. Why? Because I had been saving

255
00:14:33.710 --> 00:14:37.820
<v Speaker 2>since I was 17. Why? I haven't taken a salary

256
00:14:37.860 --> 00:14:40.909
<v Speaker 2>from this church in 10 years. In fact, 10 years ago,

257
00:14:41.129 --> 00:14:42.610
<v Speaker 2>I added up all the church that paid me in

258
00:14:42.629 --> 00:14:44.809
<v Speaker 2>the first 25 years and I gave it all back.

259
00:14:45.370 --> 00:14:48.970
<v Speaker 2>Kay and I live off the savings of our investments today.

260
00:14:49.629 --> 00:14:51.830
<v Speaker 2>I do this because I want to do this. I

261
00:14:51.850 --> 00:14:54.779
<v Speaker 2>don't do this to make money. But I had been

262
00:14:54.840 --> 00:14:58.600
<v Speaker 2>saving systematically over the years and it adds up. Now,

263
00:14:58.919 --> 00:15:00.460
<v Speaker 2>how do you do that? Well, in the early years,

264
00:15:00.539 --> 00:15:04.149
<v Speaker 2>we were just very, very careful. I went out and

265
00:15:04.309 --> 00:15:06.830
<v Speaker 2>rather than going buy a new car, I found a

266
00:15:06.870 --> 00:15:11.009
<v Speaker 2>car in the penny saver over in Leisure World for $ 500.

267
00:15:10.570 --> 00:15:16.110
<v Speaker 2>Now that's a car. Now I went over there and

268
00:15:16.129 --> 00:15:21.000
<v Speaker 2>it was a 1972 Oldsmobile Cutlass and the paint was

269
00:15:21.149 --> 00:15:23.759
<v Speaker 2>chipping on it and the roof was all ratted out

270
00:15:24.019 --> 00:15:25.360
<v Speaker 2>but it only had 38,000 miles on it. I'm going

271
00:15:25.360 --> 00:15:28.240
<v Speaker 2>500 bucks, 38,000 miles, I can put up with this.

272
00:15:32.570 --> 00:15:36.889
<v Speaker 2>So I bought this car for $ 500. I drove it

273
00:15:36.929 --> 00:15:40.580
<v Speaker 2>across the border to Tijuana and spent $ 1, 500 getting a

274
00:15:40.620 --> 00:15:45.240
<v Speaker 2>completely new paint job and a completely new interior. With

275
00:15:45.259 --> 00:15:50.720
<v Speaker 2>the fuzzy dice and everything. The velvet Elvis in the back.

276
00:15:52.399 --> 00:15:57.000
<v Speaker 2>The dog's playing poker. No, I'm just kidding. Got it all.

277
00:15:57.240 --> 00:16:01.250
<v Speaker 2>And then I drove it for six years. And after

278
00:16:01.299 --> 00:16:02.870
<v Speaker 2>six years, I got tired of it, I gave it

279
00:16:02.889 --> 00:16:08.710
<v Speaker 2>to Pastor Tom. It's true, I did. And then Tom

280
00:16:08.750 --> 00:16:10.809
<v Speaker 2>drove it for, I don't know, five or six more years,

281
00:16:10.889 --> 00:16:14.519
<v Speaker 2>and then he gave it to another pastor. That car's

282
00:16:14.580 --> 00:16:20.000
<v Speaker 2>somewhere out there in pastor land today. Okay? Now, that

283
00:16:20.480 --> 00:16:24.899
<v Speaker 2>per mile per gallon cost on that car was minuscule

284
00:16:24.970 --> 00:16:29.350
<v Speaker 2>compared to yours. The car I drive right now is

285
00:16:29.389 --> 00:16:33.389
<v Speaker 2>a 2000 Ford and we saved until I could pay

286
00:16:33.450 --> 00:16:37.090
<v Speaker 2>cash for it. I wasn't about to pay interest on

287
00:16:37.129 --> 00:16:41.830
<v Speaker 2>a depreciating item. Because that's bad stewardship. So I saved

288
00:16:41.889 --> 00:16:44.149
<v Speaker 2>until we could afford it and I paid cash for

289
00:16:44.200 --> 00:16:47.320
<v Speaker 2>that car. I haven't had a car payment in years.

290
00:16:48.679 --> 00:16:52.860
<v Speaker 2>Wouldn't you like to have that? Okay, now what was

291
00:16:53.000 --> 00:16:57.500
<v Speaker 2>I doing with that money? Putting it in savings. and

292
00:16:57.539 --> 00:17:00.330
<v Speaker 2>letting it make more money, and letting it make more money,

293
00:17:00.399 --> 00:17:04.390
<v Speaker 2>and letting it make more money. Okay, and so this

294
00:17:04.450 --> 00:17:07.029
<v Speaker 2>is the principle, save money wisely.

295
00:17:13.190 --> 00:17:17.019
<v Speaker 1>You know, people are being transformed by these messages. In fact,

296
00:17:17.059 --> 00:17:19.500
<v Speaker 1>here's Rick with a letter from one of our listeners.

297
00:17:20.079 --> 00:17:22.720
<v Speaker 2>Well, I hope you enjoyed the broadcast today. I love

298
00:17:22.740 --> 00:17:25.619
<v Speaker 2>to end our time together by sharing letters from listeners.

299
00:17:26.160 --> 00:17:28.410
<v Speaker 2>because we get so many great ones. This one's from

300
00:17:28.750 --> 00:17:32.250
<v Speaker 2>a woman named Elena. Dear Pastor Rick, I've been struggling

301
00:17:32.269 --> 00:17:35.809
<v Speaker 2>with insomnia for many years. That's a common problem. It

302
00:17:36.009 --> 00:17:39.670
<v Speaker 2>has inevitably affected my family, and I've been irritable. I've

303
00:17:39.710 --> 00:17:42.849
<v Speaker 2>been short-tempered with them. I've even gone to sleep therapists

304
00:17:42.890 --> 00:17:45.849
<v Speaker 2>in hopes of regaining at least five hours of continual

305
00:17:45.869 --> 00:17:49.289
<v Speaker 2>sleep without sleeping pills that do more harm than good.

306
00:17:49.970 --> 00:17:53.750
<v Speaker 2>But it was all unsuccessful until I started listening to

307
00:17:53.809 --> 00:17:57.630
<v Speaker 2>Daily Hope. You know, quieting my mind, Pastor Rick, with

308
00:17:57.650 --> 00:18:01.470
<v Speaker 2>the messages from the Bible and my desire to glorify

309
00:18:01.529 --> 00:18:04.430
<v Speaker 2>God when I turn out the lights with the Daily

310
00:18:04.470 --> 00:18:09.089
<v Speaker 2>Hope messages has brought me back to a stable sleeping pattern.

311
00:18:09.269 --> 00:18:13.519
<v Speaker 2>That's amazing, Elena. That's amazing. She writes, every morning now

312
00:18:13.559 --> 00:18:15.980
<v Speaker 2>I wake up after more than five to eight hours

313
00:18:16.019 --> 00:18:17.819
<v Speaker 2>of sleep and I wake up saying, thank you, Lord,

314
00:18:18.339 --> 00:18:22.039
<v Speaker 2>for another night of peaceful sleep. With full comprehension, I

315
00:18:22.400 --> 00:18:25.359
<v Speaker 2>Turn on Daily Hope again before I start my day.

316
00:18:25.400 --> 00:18:28.680
<v Speaker 2>So she's ending her evening with Daily Hope and she's

317
00:18:28.720 --> 00:18:32.960
<v Speaker 2>starting her day with Daily Hope. That's pretty amazing. She said,

318
00:18:33.019 --> 00:18:37.240
<v Speaker 2>Pastor Rick, life happens and sometimes my insomnia problems come back. However,

319
00:18:37.259 --> 00:18:39.759
<v Speaker 2>they're not as frequent and they don't last as long

320
00:18:39.819 --> 00:18:42.940
<v Speaker 2>as they used to before. So thanks for your messages

321
00:18:43.000 --> 00:18:46.259
<v Speaker 2>of hope from God. I now function with more clarity

322
00:18:46.859 --> 00:18:50.829
<v Speaker 2>and more spring in my step. Ha ha, Elena. Thank

323
00:18:50.869 --> 00:18:54.430
<v Speaker 2>you for writing. I love you. And I'm so encouraged

324
00:18:54.799 --> 00:18:58.079
<v Speaker 2>that these messages have brought some peace to your mind.

325
00:18:58.599 --> 00:19:00.339
<v Speaker 2>And I'm going to be praying for you this week

326
00:19:00.619 --> 00:19:04.059
<v Speaker 2>that your nerves will be calmed, that your peace will increase,

327
00:19:04.799 --> 00:19:06.559
<v Speaker 2>that you will be given sleep. You know, there's a

328
00:19:06.579 --> 00:19:08.500
<v Speaker 2>verse in the Bible where it says God wants his

329
00:19:08.819 --> 00:19:12.240
<v Speaker 2>loved ones to get their proper rest. So thank you

330
00:19:12.259 --> 00:19:14.680
<v Speaker 2>for writing to me. And those of you listening, I

331
00:19:14.740 --> 00:19:16.559
<v Speaker 2>encourage you to write me. Let me know what's going

332
00:19:16.599 --> 00:19:18.599
<v Speaker 2>on in your life. It's one way that we can

333
00:19:18.680 --> 00:19:22.940
<v Speaker 2>partner together. Thanks for your financial gifts. Thanks for your prayers.

334
00:19:23.279 --> 00:19:24.960
<v Speaker 2>And thanks for your letters. God bless you all.

335
00:19:25.279 --> 00:19:27.299
<v Speaker 1>Hey, if you'd like to let Rick know how this

336
00:19:27.359 --> 00:19:29.619
<v Speaker 1>broadcast has blessed you, he would love it.

337
00:19:29.769 --> 00:19:30.990
<v Speaker 2>Please feel free.

338
00:19:30.809 --> 00:19:34.849
<v Speaker 1>To send him an email at rick at pastorrick.com. That's

339
00:19:34.950 --> 00:19:39.009
<v Speaker 1>rick at pastorrick.com. Be sure to join us next time

340
00:19:39.289 --> 00:19:42.049
<v Speaker 1>as we look into God's word for our daily hope.

341
00:19:42.380 --> 00:19:45.450
<v Speaker 1>This program is sponsored by Pastor Rick's Daily Hope and

342
00:19:45.490 --> 00:19:47.430
<v Speaker 1>your generous financial support.