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<v Speaker 1>Hey everybody, welcome to Pastor Rick's Daily Hope. Well, we're

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<v Speaker 1>talking about your money. That's right, we're continuing a powerful

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

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<v Speaker 1>showing us 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. Well,

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<v Speaker 1>we're getting off to a great start with part one

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<v Speaker 1>of a message called The Habits of Financial Health.

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<v Speaker 2>If I want to be healthy in any area of

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<v Speaker 2>my life, I have to develop healthy habits in that area.

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<v Speaker 2>If I wanna be physically healthy, I have to develop

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<v Speaker 2>the physical habits of eating right, exercise, sleep, lower stress.

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<v Speaker 2>If I wanna have a healthy marriage, I have to

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<v Speaker 2>develop the healthy habits of relationships, the way I talk

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<v Speaker 2>to people, the way I listen to people, the way

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<v Speaker 2>I respond to problems. These are habits that I have

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<v Speaker 2>to develop. And if I wanna develop healthy finances, to

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<v Speaker 2>be financially fit, there are certain financial habits I have

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<v Speaker 2>to develop in my life. God loves to do financial miracles,

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<v Speaker 2>and he does them all the time. I've seen many, many, many.

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<v Speaker 2>But he says first, you gotta get your act together.

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<v Speaker 2>You gotta do it the way that I said to

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<v Speaker 2>do it. Now in this series, we've been in on

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<v Speaker 2>financial fitness for a few weeks. We looked first at

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<v Speaker 2>the fundamental laws of money that God talks about in

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<v Speaker 2>his word, in the Bible, in the book of Proverbs

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<v Speaker 2>and in the book of Ecclesiastes. Today we're gonna take

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<v Speaker 2>a little turn and this week and next week we're

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<v Speaker 2>gonna look at some practical areas. Next week we're gonna

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<v Speaker 2>look at the five ways to make money work for you.

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<v Speaker 2>The five best ways to use your money on this planet.

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<v Speaker 2>And that's a good message I'm excited to share. But

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<v Speaker 2>this week we're gonna look at the eight habits for

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<v Speaker 2>getting out of the hole. Eight habits for getting financially free.

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<v Speaker 2>And they're all in God's word. If you have your Bible,

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<v Speaker 2>open to the book of Proverbs. If you don't, if

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<v Speaker 2>you'll pull out your message notes, and we're gonna look

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<v Speaker 2>at these verses from the book of Proverbs. Now, each

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<v Speaker 2>of these habits is in order. In other words, the

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<v Speaker 2>first habit is the most important one. The second habit

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<v Speaker 2>is the second most important. The third is the third

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<v Speaker 2>most important. I've listed these in their order of how

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<v Speaker 2>you do them. Let's get right into it. Number one.

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<v Speaker 2>The Bible teaches that the first thing I have to

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<v Speaker 2>do if I'm gonna get myself financially fit is this.

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<v Speaker 2>Remember that God is my source. That's the starting point.

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<v Speaker 2>I remember that God is the source of all my supply.

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<v Speaker 2>My source is not my supply. Salary, my source, is

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<v Speaker 2>not the economy. My source is not my savings. My

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<v Speaker 2>source and my security is in God. Now the reason

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<v Speaker 2>why this is important is you must put your security

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<v Speaker 2>in something that can never be taken from you. If

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<v Speaker 2>what you put your security in can be taken from you,

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<v Speaker 2>then you're gonna be insecure the rest of your life.

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<v Speaker 2>If you put your security in your salary, you can

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<v Speaker 2>lose your salary. If you put your security in your job,

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<v Speaker 2>you can lose your job. If you put your security

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<v Speaker 2>in your savings, you can lose your savings. If you

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<v Speaker 2>put your security in your spouse or your health, you

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<v Speaker 2>can lose those things. You must put your security in

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<v Speaker 2>something that cannot be taken from you, and that is

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<v Speaker 2>your relationship to God. God is the source of my supply,

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<v Speaker 2>not my salary, not my savings. And if a job

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<v Speaker 2>dries up, if a water faucet gets turned off, God

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<v Speaker 2>can turn on a faucet over here. And if one

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<v Speaker 2>door closes, God can open another door. And if that

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<v Speaker 2>door closes, God can open a window. So I have

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<v Speaker 2>to remember, first off, that God is the source of

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<v Speaker 2>my security, not how much money I make in life.

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<v Speaker 2>Now the Bible says this in Deuteronomy chapter eight, verse 18,

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<v Speaker 2>there on your outline. Always remember the Lord, your God,

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<v Speaker 2>for it is he who gives you The ability to

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<v Speaker 2>produce wealth. God gives you the ability to produce wealth.

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<v Speaker 2>Circle the word produce. I want you to notice that

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<v Speaker 2>the Bible says obviously God owns it all and he

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<v Speaker 2>loans it to us. We talked about this a few

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<v Speaker 2>weeks ago that you don't really own anything on this planet.

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<v Speaker 2>It's just loaned to you while you're here. It wasn't

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<v Speaker 2>yours before you were born. It won't be yours after

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<v Speaker 2>you die. You just get to use it for 80, 90,

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<v Speaker 2>100 years. But it all belongs to God and after

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<v Speaker 2>you die, he's gonna loan it to somebody else. So

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<v Speaker 2>you don't take it with you, you didn't bring it

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<v Speaker 2>with you. But he says here, God gives you the

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<v Speaker 2>ability to produce wealth. Now, every economy, including America's, has

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<v Speaker 2>wealth makers and it has wealth takers. It has wealth

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<v Speaker 2>producers and it has wealth users. It has wealth contributors

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<v Speaker 2>and it has wealth consumers. The economies get turned upside

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<v Speaker 2>down when there are more consumers than there are contributors.

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<v Speaker 2>When there are more people taking out of the economy

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<v Speaker 2>than putting in it. And that's what's happening right now

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<v Speaker 2>in America. 60% of Americans take more out of the

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<v Speaker 2>economy than they are putting in it. We have more

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<v Speaker 2>consumers than we have contributors. And yet God says, I

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<v Speaker 2>made you, I designed you to create wealth, to produce wealth.

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<v Speaker 2>I designed you to be a productive person. God wants

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<v Speaker 2>you to be productive. And his plan for your life,

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<v Speaker 2>part of it includes wealth production or wealth creation. Not

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<v Speaker 2>wealth redistribution, but wealth creation. Now let me explain the

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<v Speaker 2>difference here between communism, capitalism, and Christianity. Capitalism says what's

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<v Speaker 2>mine is mine and I'm gonna keep it. And if

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<v Speaker 2>you don't make it, well tough luck, too bad for you.

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<v Speaker 2>What's mine is mine and I'm gonna keep it. Communism

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<v Speaker 2>says what's yours is mine and I have a right

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<v Speaker 2>to take it. That's called redistribution of wealth. I can

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<v Speaker 2>take yours and give it to somebody else. That's communism.

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<v Speaker 2>Christianity says what's mine is really God's and I'm willing

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<v Speaker 2>to share it. You see the difference? That's the difference. Capitalism,

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<v Speaker 2>what's mine is mine, I'm gonna keep it. Communism, what's

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<v Speaker 2>yours is mine and I can take it. Christianity, what's

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<v Speaker 2>mine is God's and I'm willing to share it. You see,

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<v Speaker 2>when somebody taxes you to help the poor, you don't

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<v Speaker 2>get any credit for it. But when you voluntarily are

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<v Speaker 2>generous and you help the poor on your own, that

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<v Speaker 2>builds your character. It helps you, it helps you grow,

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<v Speaker 2>it helps you become more like Christ, becoming more productive

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<v Speaker 2>and more generous. One of the reasons our economy has

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<v Speaker 2>collapsed is because for the last many, many years, we

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<v Speaker 2>have had enormous numbers of people, particularly like in Wall

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<v Speaker 2>Street and other places, who were creating or making outrageous salaries,

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<v Speaker 2>making outrageous amounts of money without really creating anything. They

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<v Speaker 2>create no services, they create no benefits, they create no products,

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<v Speaker 2>they create no jobs. They're simply making money on money.

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<v Speaker 2>That's all they're doing. And that is not what God

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<v Speaker 2>wants to do. God wants us to provide benefits, services, protection,

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<v Speaker 2>help to other people and in that it creates prosperity.

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<v Speaker 2>There's nothing wrong with prosperity. There's nothing wrong with prospering.

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<v Speaker 2>There's nothing wrong with a profit if You don't make

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<v Speaker 2>it your number one God, and if you do it

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<v Speaker 2>in the right way. And that leads us to the

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<v Speaker 2>second habit. The second habit, if I want God's blessing

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<v Speaker 2>on my finances, is I must make money honestly. I

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<v Speaker 2>remember that God is my source, and then I make

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<v Speaker 2>money honestly, because God does not bless cheaters. God does

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<v Speaker 2>not bless crooks. God does not bless deceptive people or

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<v Speaker 2>people who steal. Now let's look at just some verses

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<v Speaker 2>from the book of Proverbs on this. Proverbs 15, 27

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<v Speaker 2>says this. Dishonest money brings grief to the whole family.

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<v Speaker 2>In other words, I can go out and make a

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<v Speaker 2>bunch of money, but if I make it dishonestly, it's

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<v Speaker 2>actually bringing grief. It's bringing like a curse. It's bringing

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<v Speaker 2>a problem to my family. Emotional problems and all kinds

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<v Speaker 2>of other problems. You say, well, that verse isn't for

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<v Speaker 2>me because I'm not out robbing banks. No, you're not.

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<v Speaker 2>But are you honest in every area? Let me give

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<v Speaker 2>you a few ways you may be dishonest. Not giving

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<v Speaker 2>a full day's work. Now if you got an employer

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<v Speaker 2>who's paying you for a full day's work, you come late,

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<v Speaker 2>you leave early, you take an extra long lunch break,

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<v Speaker 2>and you waste time at work, you are robbing your employer.

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<v Speaker 2>Maybe you've never thought of that, but it's deceptive. They

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<v Speaker 2>are paying you for a certain amount of work and

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<v Speaker 2>you are expected to give that certain amount of work.

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<v Speaker 2>And it is dishonest to be paid for work that

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<v Speaker 2>I'm not doing. That's called dishonest. And God's not gonna

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<v Speaker 2>bless dishonesty. Christians, of all people, should be known for

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<v Speaker 2>rock-ribbed integrity, that we get there on time or early,

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<v Speaker 2>or stay to the last bell or stay late, and

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<v Speaker 2>that we are the hardest workers in society, and that

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<v Speaker 2>we have the most integrity and honesty. Padding an expense

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<v Speaker 2>account is dishonest. income. Misusing resources at the office is dishonest.

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<v Speaker 2>It's a waste. Fudging on your taxes is is a

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<v Speaker 2>dishonest way to make money. God says, I don't bless

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<v Speaker 2>that kind of stuff. It brings grief to the whole family.

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<v Speaker 2>Now look at some of the other ways. Proverbs 16,

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<v Speaker 2>verse 11. The Lord demands fairness in every business deal.

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<v Speaker 2>He sets the standard. What does that mean? It means

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<v Speaker 2>that when I'm dealing with you and we're making a negotiation,

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<v Speaker 2>I don't lie to you. I don't cheat you. I

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<v Speaker 2>don't tell you that the car I'm selling you is

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<v Speaker 2>better than it really is. I don't tell you that

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<v Speaker 2>the house that I'm selling you is in perfect condition

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<v Speaker 2>when you know the pipes are broken and electricity doesn't

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<v Speaker 2>work or whatever. When I misrepresent something in a deal,

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<v Speaker 2>I'm being dishonest and God said, don't expect me to

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<v Speaker 2>bless that. If you're hiding it, I'm not gonna bless that.

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<v Speaker 2>God blesses integrity. Let me show you some other areas.

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<v Speaker 2>Look at this one, this will surprise you. Proverbs 28 two,

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<v Speaker 2>the Bible says, if you make money by charging high

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<v Speaker 2>interest rates, you will lose it all to someone who

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<v Speaker 2>cares for the poor. Did you know that verse was

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<v Speaker 2>in the Bible? If you make money by charging higher

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<v Speaker 2>interest rates, you'll lose it all to somebody who cares

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<v Speaker 2>for the poor. Now, God is not against making interest.

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<v Speaker 2>You say, how do you know that? Because Jesus tells

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<v Speaker 2>parables in the New Testament where guys double their money

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<v Speaker 2>by making 100% profit. One guy gets 100% return on

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<v Speaker 2>his money. He says, well done, good and faithful servant.

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<v Speaker 2>Another guy doubles his five talents. He says, well done.

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<v Speaker 2>If it's okay to make interest, it's okay to pay interest.

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<v Speaker 2>So he's not saying interest is bad. He's talking about

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<v Speaker 2>what the Bible calls here usury. Usury means excessive, exorbitant,

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<v Speaker 2>exorbitantly high interest rates. It's what loan sharks do. It's

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<v Speaker 2>when they prey on people who are down and out,

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<v Speaker 2>people who are hard up on their luck, people who

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<v Speaker 2>can't get a normal standard loan from somewhere, and so

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<v Speaker 2>they go and borrow from somebody at two and three

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<v Speaker 2>and four times the interest rate. These loan sharks are

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<v Speaker 2>calling usury. It is excessive. It is cheating people. Now,

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<v Speaker 2>in America, we have usury laws in every state because

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<v Speaker 2>of this verse in the Bible. Because the Bible says

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<v Speaker 2>it is wrong to charge excessively high interest and take

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<v Speaker 2>advantage of people who can't pay. So he's talking about slumlords,

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<v Speaker 2>and he's talking about loan sharks and things like that.

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<v Speaker 2>One other one, look at this verse, Proverbs 13 verse 11.

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<v Speaker 2>Let's read it aloud together. Wealth from get rich quick

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<v Speaker 2>schemes quickly disappears, but wealth from hard work grows. Now

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<v Speaker 2>I told you a couple weeks ago that Warren Buffet's

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<v Speaker 2>number one law of finance is you don't lose what

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<v Speaker 2>you already have made. He said that's more important than

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<v Speaker 2>even making money on your money. You don't lose what

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<v Speaker 2>you've already made. So many people are in debt because

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<v Speaker 2>they've made a lot of money but they've lost it.

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<v Speaker 2>And the number one way, the most common way people

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<v Speaker 2>lose their money today is in get rich quick schemes.

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<v Speaker 2>And the Bible says you should never ever get involved

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<v Speaker 2>in a get rich quick scheme. You're setting yourself up

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<v Speaker 2>to be duped, you're setting yourself up to be scammed.

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<v Speaker 2>Most people or more people have lost money through this

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<v Speaker 2>way than any other way. Now every get rich quick

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<v Speaker 2>scheme Sounds great, it sounds terrific. You're gonna make high

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<v Speaker 2>profit in a little amount of time and low risk.

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<v Speaker 2>And they put all this thing together and it all

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<v Speaker 2>sounds so great and people invest their money in this

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<v Speaker 2>and all of that and they think they're gonna beat

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<v Speaker 2>the normal ways of making money by getting rich quick

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<v Speaker 2>and then they get duped. Now the Bible warns against

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<v Speaker 2>this over and over, and as your pastor, because I

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<v Speaker 2>care about you, I want to give you five principles.

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<v Speaker 2>Write these down wherever you can on your outline on

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<v Speaker 2>how to not get duped by a scam. These are

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<v Speaker 2>biblical principles. I don't have time to go into all

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<v Speaker 2>the verses, but let me just give them to you.

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<v Speaker 2>Number one, stick with what you know when you're investing.

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<v Speaker 2>Just write it down there on your outline somewhere. You see,

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<v Speaker 2>greed makes people gullible. And when we are greedy and

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<v Speaker 2>we're trying to get rich quick, we fall for scams

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<v Speaker 2>and we're easily duped. Stick with what you know. If

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<v Speaker 2>you don't understand an investment, don't ever put your money

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<v Speaker 2>in it. If you can't explain it, don't ever put

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<v Speaker 2>your money in it. Stick with what you know. Now,

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<v Speaker 2>the common denominator of every get rich quick scheme is

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<v Speaker 2>they claim to have a secret. I have a secret

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<v Speaker 2>way of making money that you don't know, or I

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<v Speaker 2>have a secret product that other people haven't got yet,

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<v Speaker 2>or I have a secret tip and all this. Listen,

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<v Speaker 2>the moment you hear that word secret, run like the Dickens. Friends,

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<v Speaker 2>I'm telling you right now, there are no secrets to

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<v Speaker 2>making wealth. They're all widely known. And there are hundreds

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<v Speaker 2>and thousands and maybe tens of thousands of books written

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<v Speaker 2>on how to increase your income, your net worth, and

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<v Speaker 2>things like that. There are no secrets. And anybody claims

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<v Speaker 2>that he has a secret is setting you up for

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<v Speaker 2>a get rich quick scheme. And the Bible says avoid that.

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<v Speaker 2>So never, you know, get involved in that. Stick with

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<v Speaker 2>what you know. Number two, never invest on emotion. Never

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<v Speaker 2>make a decision, a financial decision, on emotion. Get rich

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<v Speaker 2>quick schemes, scam artists love to play on your emotion.

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<v Speaker 2>And they grab your emotion, and before you've thought it through,

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<v Speaker 2>you've invested money that you're going to lose right away. Now,

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<v Speaker 2>what they do is they start pressuring you to decide quickly.

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<v Speaker 2>By the way, isn't it interesting, all of these infomercials

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<v Speaker 2>on TV that says, buy now, buy now, operator's standing,

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<v Speaker 2>and if you do it in the next two minutes,

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<v Speaker 2>then you're going to get this extra project. Three years later,

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<v Speaker 2>that thing's still on TV, saying in the next two minutes.

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<v Speaker 2>Have you noticed that? Okay, it's just a con. It's

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<v Speaker 2>just a con. In fact, pressure is never God's will

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<v Speaker 2>in finances. If you ever feel pressure, in fact, the

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<v Speaker 2>Bible says that about giving. Over in the book of Corinthians,

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<v Speaker 2>the Bible says if you ever feel pressured to give, don't.

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<v Speaker 2>And I'm telling you as your pastor who loves you,

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<v Speaker 2>if you ever feel pressured by a church, a charity,

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<v Speaker 2>or anybody else pressured to give, you should not give

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<v Speaker 2>because God clearly says in the Bible, never give under

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<v Speaker 2>pressure or under compulsion because you don't get any credit

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<v Speaker 2>for it. God wants your attitude, not the amount. He

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<v Speaker 2>says only give when you are giving enough. willingly, cheerfully, gladly. Now,

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<v Speaker 2>that's not just true in giving, it's also true in investing.

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<v Speaker 2>You should never invest, you should never make a financial

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<v Speaker 2>decision under pressure to decide now basing on emotion. A

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<v Speaker 2>third suggestion on this, never risk borrowed money. I don't

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<v Speaker 2>have time to go into all the verses on these,

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<v Speaker 2>but the Bible teaches you should never risk borrowed money.

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<v Speaker 2>Now you've got extra money that's just laying around and

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<v Speaker 2>you've got money to burn. Probably ought to give it

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<v Speaker 2>away instead. But that's okay if you want to invest that.

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<v Speaker 2>But don't you ever borrow money to invest in a

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<v Speaker 2>get rich quick scheme. The Bible says don't, don't do it.

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<v Speaker 2>A fourth suggestion. Always test the idea with other people.

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<v Speaker 2>And I'm talking about people who are not emotionally involved.

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<v Speaker 2>Because emotionally involved people who have a stake in the

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<v Speaker 2>game are going to be as excited as you are.

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<v Speaker 2>But people who aren't emotionally involved in the investment can

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<v Speaker 2>smell a rat. They can spot the flaws. And you

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<v Speaker 2>need to get counsel. In fact, if you have a

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<v Speaker 2>business deal and you're afraid to talk to your wife

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<v Speaker 2>or a friend or somebody uninvolved about it, it's a

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<v Speaker 2>dead giveaway. You're already... Saying, I don't want other people

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<v Speaker 2>to know about this because they're going to say no, no,

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<v Speaker 2>you need to check it out. Let me give you

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<v Speaker 2>one more. Doubt the guy who's always got a big deal.

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<v Speaker 2>He's always going after, he's always chasing the big deal,

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<v Speaker 2>but he never seems to reel it in. Now I'm

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<v Speaker 2>not talking about serial entrepreneurs who build a company, sell

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<v Speaker 2>it off, then build another company, sell it off, build

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<v Speaker 2>a company, sell it off. They have a legitimate business

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<v Speaker 2>and a legitimate profit. I'm talking about people who are

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<v Speaker 2>always waiting for their ship to come in, but it

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<v Speaker 2>never seems to come in, but the ship seems to

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<v Speaker 2>get bigger and bigger and bigger with each dream. And

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<v Speaker 2>while they're not able to pay their bills, they're out

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<v Speaker 2>there trying to think on this deal that's gonna make

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<v Speaker 2>one trillion dollars. And the more zeros, the more out

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<v Speaker 2>of touch they are with reality.

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<v Speaker 1>What a great message from Pastor Rick today. There's something

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<v Speaker 1>I always take away from his message. Here's Rick to

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<v Speaker 1>tell you how you can help support this ministry.

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<v Speaker 2>Jesus told his disciples that they should live their lives

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<v Speaker 2>according to five specific purposes. He said, you've got to

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<v Speaker 2>love God with all your heart. That's worship. And love

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<v Speaker 2>your neighbor as yourself. That's ministry. That's called the great commandment.

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<v Speaker 2>And then Jesus said, go make disciples. That's evangelism. Baptize

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<v Speaker 2>them into the family of God. That's fellowship, a sign

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<v Speaker 2>of fellowship. And then he said, teach them, obey everything

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<v Speaker 2>I've taught you. That's discipleship. And we call that the

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<v Speaker 2>great commission. We believe at Daily Hope that a great

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<v Speaker 2>commitment to the great commandment and the great commission will

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<v Speaker 2>produce a great Christian, a great church, a great company,

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<v Speaker 2>a great community. You know, I started Daily Hope so

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<v Speaker 2>I could spread the good news about Jesus, not just

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<v Speaker 2>across America, but all around the world. And we want

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<v Speaker 2>people to know that God's word is filled with hope

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<v Speaker 2>and truth. And the power that we need to follow

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<v Speaker 2>him every day is available to every single one. You

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<v Speaker 2>know as well as I do that the word of

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<v Speaker 2>God changes lives. It's alive, it's active, and it breathes

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<v Speaker 2>new life and new love into all of our lives.

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<v Speaker 2>So wherever you listen to this, whether you listen on

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<v Speaker 2>the website, whether you listen on a radio station, whether

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<v Speaker 2>you listen through a podcast. You're a part of the

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<v Speaker 2>Daily Hope family, and I need your help. We could

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<v Speaker 2>not do this without your support. We're 100% listener-funded. Would

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<v Speaker 2>you continue to pray for this broadcast, and would you

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<v Speaker 2>continue to support us? And write to me. Let me

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<v Speaker 2>hear from you. I absolutely love reading the stories that

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<v Speaker 2>are sent to me. So write me, pray for me,

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<v Speaker 2>and support this ministry. And God will bless it, and

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<v Speaker 2>God will bless you, and we'll get to heaven, and

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<v Speaker 2>we'll thank God for all the people going to be

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<v Speaker 2>in heaven because you cared.

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<v Speaker 1>Hey, if you'd like to support Pastor Rick's Daily Hope,

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<v Speaker 1>just go to PastorRick.com. That's PastorRick.com. Or you can text

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<v Speaker 1>the word HOPE to 70309. That's the word HOPE to 70309.

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<v Speaker 1>And really, from the bottom of our hearts, we thank

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<v Speaker 1>you so much for your support. Your gift to Daily

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<v Speaker 1>Hope helps us share the hope of Christ with people everywhere. Hey,

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<v Speaker 1>be sure to join us next time when 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.