WEBVTT 1 00:00:03.520 --> 00:00:07.320 Welcome to Financial Issues, where we help you steward faithfully 2 00:00:07.519 --> 00:00:11.119 by honoring God with your investments. Now listen in as 3 00:00:11.160 --> 00:00:13.960 we give you the practical tools and advice you need 4 00:00:14.240 --> 00:00:16.760 to become a biblically responsible investor. 5 00:00:22.320 --> 00:00:25.920 This is Financial Issues, where we help you defund darkness 6 00:00:26.000 --> 00:00:29.480 and fund the light by investing with biblical integrity. On 7 00:00:29.519 --> 00:00:32.880 today's show, folks, should you allow your children to have 8 00:00:32.920 --> 00:00:37.719 an allowance? Or could that allowance allow entitlement to move 9 00:00:37.759 --> 00:00:39.039 in rent free? 10 00:00:39.439 --> 00:00:41.200 We'll discuss Looking forward. 11 00:00:41.039 --> 00:00:42.840 To the show today, folks, Sethi Dinsky, Sam Case in 12 00:00:42.840 --> 00:00:45.479 the control room and your host Mark Minila Mar Good morning. 13 00:00:45.280 --> 00:00:48.719 Brother, Good morning, What a what a spiffy topic to talk. 14 00:00:48.799 --> 00:00:51.039 I gotta tell you how sometimes I impress myself with 15 00:00:51.039 --> 00:00:51.600 those interests. 16 00:00:51.640 --> 00:00:57.000 Mark. You know what's interesting about it is that everyone 17 00:00:57.079 --> 00:01:00.399 I speak to about allowances for children has a different 18 00:01:00.439 --> 00:01:01.159 idea on them. 19 00:01:01.280 --> 00:01:04.959 That's my understanding of it too, Mark, is everybody and 20 00:01:05.000 --> 00:01:07.519 it's it's one of those topics that you go one 21 00:01:07.519 --> 00:01:09.120 way or the other. There's not a lot of middle 22 00:01:09.159 --> 00:01:10.799 ground there. So I'll be interest to see what our 23 00:01:10.840 --> 00:01:13.079 chat says. And no matter what you say, people are 24 00:01:13.079 --> 00:01:15.200 gonna say. I hate you and you should die. You 25 00:01:15.239 --> 00:01:16.200 have the wrong opinion. 26 00:01:18.480 --> 00:01:23.480 Start, somebody gets Sam some coffee. I'm not saying that 27 00:01:23.719 --> 00:01:24.799 other people are saying. 28 00:01:26.319 --> 00:01:28.480 Didn't this whole thing start because you posted a video 29 00:01:28.519 --> 00:01:29.239 about Yeah? 30 00:01:29.319 --> 00:01:29.640 I did. 31 00:01:30.480 --> 00:01:31.959 Yeah, let's get let's get right to it, guys. 32 00:01:31.959 --> 00:01:34.280 So the last week I posted the video on our 33 00:01:34.319 --> 00:01:37.760 social media pages, is asking this question, is it wise 34 00:01:37.840 --> 00:01:39.120 to give children an allowance? 35 00:01:39.200 --> 00:01:39.319 Yes? 36 00:01:39.400 --> 00:01:39.560 Or no? 37 00:01:39.560 --> 00:01:41.319 I didn't share my opinion, just asked the question, got 38 00:01:41.319 --> 00:01:44.239 a lot of responses for it. I was pleasantly surprised 39 00:01:44.280 --> 00:01:46.480 Sam and Mark that the responses were quite tame. 40 00:01:46.959 --> 00:01:49.319 They they were not you know, people weren't throwing pitchforks. 41 00:01:49.400 --> 00:01:52.159 Okay, maybe I visit the wrong web religious to read 42 00:01:52.200 --> 00:01:52.599 the chat. 43 00:01:52.640 --> 00:01:53.079 I don't know. 44 00:01:53.599 --> 00:01:56.840 But there were some interesting questions and comments about it, guys. 45 00:01:56.840 --> 00:01:58.280 So why don't we jump right in with this one. 46 00:01:58.280 --> 00:02:01.480 This first one came in from a listener on YouTube 47 00:02:01.719 --> 00:02:05.560 named Ena Woods, and Ina said, yes, the answer is yes, it. 48 00:02:05.560 --> 00:02:07.000 Is wise to give children an allowance. 49 00:02:07.519 --> 00:02:09.800 She said, how does a child understand the value of 50 00:02:09.879 --> 00:02:13.360 money and budget without having experience with money. Our children 51 00:02:13.360 --> 00:02:15.520 had chores to do, were paid according to the ones 52 00:02:15.560 --> 00:02:18.479 done that way. I was not badgering them to do 53 00:02:18.560 --> 00:02:21.039 their chores, so it gave them incentive. Mark she said, 54 00:02:21.080 --> 00:02:24.479 consequences with a teacher, it was agreed on what we 55 00:02:24.520 --> 00:02:26.520 would pay for and what they would pay for, which 56 00:02:26.520 --> 00:02:28.439 was adjusted as they got older, and when they got 57 00:02:28.479 --> 00:02:31.680 to college, they weren't overwhelmed with paying for expenses because 58 00:02:31.719 --> 00:02:34.120 they had learned how to budget on a small scale. 59 00:02:34.159 --> 00:02:37.560 Mark your thoughts. Yeah, I agree with a lot of 60 00:02:37.599 --> 00:02:39.599 what she said. I think we need to be careful 61 00:02:39.639 --> 00:02:44.039 here because there is something to be said about a 62 00:02:44.120 --> 00:02:47.199 child needs to learn to take care of themselves and 63 00:02:47.280 --> 00:02:53.120 their things anyway. But you know, you shouldn't pay them 64 00:02:53.159 --> 00:02:56.719 to do the basics, like you know, take a bath, 65 00:02:57.919 --> 00:03:00.639 wear clean clothes, make up your bed. There should be 66 00:03:00.719 --> 00:03:03.719 some chores that they need to learn to do because 67 00:03:03.800 --> 00:03:06.360 they need to learn to grow up. You know, they 68 00:03:06.400 --> 00:03:08.680 need to learn how to be a grown up. But 69 00:03:08.719 --> 00:03:11.439 there's other chores you could pay them above and beyond 70 00:03:11.439 --> 00:03:14.840 the basics of learning how to be an adult. You 71 00:03:14.879 --> 00:03:17.879 could pay them to do and such as such. You're 72 00:03:17.919 --> 00:03:20.719 giving them the opportunity to learn how to handle money, 73 00:03:20.919 --> 00:03:24.840 and you're giving you an opportunity to mentor them into that. 74 00:03:25.199 --> 00:03:28.120 I mean allowance can teach a child a whole lot 75 00:03:28.159 --> 00:03:34.639 about giving, saving, spending, delayed gratification, budgeting, personal responsibility. I 76 00:03:34.680 --> 00:03:39.400 remember my son, he wanted to get a little doll. 77 00:03:39.479 --> 00:03:45.240 He was a little guy, but he also had what 78 00:03:45.319 --> 00:03:47.680 was it he wanted? I forget exactly what he wanted, 79 00:03:47.879 --> 00:03:50.520 but he had one of the Subamese street dolls that 80 00:03:50.599 --> 00:03:53.479 he really liked, Burt or Ernie doll and. 81 00:03:53.599 --> 00:03:58.599 Back before they were all communists Mark, yeah, exactly, but 82 00:03:58.639 --> 00:03:59.879 they were still publicly funded. 83 00:04:00.080 --> 00:04:02.560 The oh I remember what it was. 84 00:04:02.719 --> 00:04:02.919 Yeah. 85 00:04:03.000 --> 00:04:06.680 And so he we were there at the store and 86 00:04:06.759 --> 00:04:09.360 he wanted this other thing, and I wanted to give 87 00:04:09.439 --> 00:04:11.439 him a learning moment on it. I said, well, you 88 00:04:11.479 --> 00:04:14.080 know that costs money, and he says, but I don't 89 00:04:14.080 --> 00:04:16.839 have money. He said, well maybe you could trade Bert 90 00:04:16.959 --> 00:04:20.680 for that, and and he looked at me and he 91 00:04:20.720 --> 00:04:23.040 said okay. And so we went up to the counter 92 00:04:23.160 --> 00:04:26.199 and I'd already talked to the lady at the counter 93 00:04:26.279 --> 00:04:29.839 at the checkout, and and he put the little toy 94 00:04:29.920 --> 00:04:32.360 you on it, and then he said it put his 95 00:04:32.439 --> 00:04:36.680 Burt doll up there, and uh. She said, okay, very good. 96 00:04:36.759 --> 00:04:39.800 That's a good trade. And and he learned right away 97 00:04:39.920 --> 00:04:44.040 that you Sometimes there's sacrifice for things, you know, and 98 00:04:44.519 --> 00:04:47.240 I don't know. I think it was a good lesson. Obviously, 99 00:04:47.279 --> 00:04:49.639 we still kept the Burt doal but and paid for 100 00:04:49.720 --> 00:04:52.519 it out of pocket. But he learned a lesson, and 101 00:04:52.560 --> 00:04:55.120 I think that's really good. If we don't ever give 102 00:04:55.160 --> 00:04:58.199 our children a moment or or if we don't have 103 00:04:58.360 --> 00:05:01.639 mentoring times with our children, how will they ever learn 104 00:05:01.839 --> 00:05:04.959 to handle money in a way that honors God. So 105 00:05:05.360 --> 00:05:10.319 by starting allowance very small, maybe you know, well, okay, 106 00:05:10.439 --> 00:05:12.759 you do all the basics you have to do. That 107 00:05:12.920 --> 00:05:16.279 are their consequences because you need to learn to grow up, 108 00:05:16.720 --> 00:05:19.399 you know. But then there's also you want to earn 109 00:05:19.439 --> 00:05:22.079 a little money. Well, here's some chores that you could 110 00:05:22.079 --> 00:05:25.360 do above and beyond that that will pay you to do, 111 00:05:25.600 --> 00:05:28.160 and then you can utilize that money any way you want. 112 00:05:28.439 --> 00:05:31.360 But we're going to help you understand how God would 113 00:05:31.360 --> 00:05:32.839 want us to do it. So you sit down and 114 00:05:32.879 --> 00:05:36.600 you talk about, okay, here's your ten dollars. One dollars 115 00:05:36.639 --> 00:05:38.319 should come out of that for you to give on 116 00:05:38.439 --> 00:05:41.680 Sundays to the Lord, to show God that you trust 117 00:05:41.720 --> 00:05:44.879 them with it, that you realize it's all His and 118 00:05:44.920 --> 00:05:47.839 you trust them, so you're given back to make sure 119 00:05:47.839 --> 00:05:52.560 you don't become a materialist, you know, and then maybe 120 00:05:52.600 --> 00:05:54.720 a portion of that could go to savings so you 121 00:05:54.759 --> 00:05:57.199 can buy that new bike or whatever you want in 122 00:05:57.240 --> 00:05:59.959 the future, and the rest you could spend as you want. 123 00:06:00.199 --> 00:06:04.560 You're teaching delayed gratification, you're teaching budgeting, you're teaching giving, 124 00:06:05.040 --> 00:06:08.360 You're teaching personal responsibility. Is what it comes down to. 125 00:06:08.680 --> 00:06:12.160 It's an opportunity to help ingrain that in them before 126 00:06:12.199 --> 00:06:15.480 they get too old and it becomes hard for them, 127 00:06:15.800 --> 00:06:18.360 especially the delayed gratification part. 128 00:06:18.439 --> 00:06:21.399 I think that's really important, you know, Mark, you you 129 00:06:21.439 --> 00:06:24.240 had brought up and I can't remember if you had 130 00:06:24.240 --> 00:06:26.079 said this or even if this was in the question too, 131 00:06:26.160 --> 00:06:29.639 but kind of the question of which which chores would 132 00:06:29.639 --> 00:06:33.439 be good for the allowance, Because if it's just like, oh, 133 00:06:33.560 --> 00:06:35.920 you got up this morning and you brush your teeth, 134 00:06:35.959 --> 00:06:39.199 good job. I'm here, here's five dollars, Well, that's expected, right. 135 00:06:39.279 --> 00:06:42.279 But if it's something that's beyond expected, right, it's something 136 00:06:42.279 --> 00:06:45.680 that Yeah, So what would be a good type of chore? 137 00:06:45.720 --> 00:06:47.639 And I don't get specific here, but what's the type 138 00:06:47.639 --> 00:06:50.040 of chore that earns an allowance? Versus one that you're 139 00:06:50.079 --> 00:06:51.480 just like, well, you're expecting to do that because you're 140 00:06:51.480 --> 00:06:52.800 a part of this functioning household. 141 00:06:53.040 --> 00:06:55.560 Yeah. I think part of that would be based on 142 00:06:55.639 --> 00:06:58.680 the parent. For example, most parents would say whatever, I 143 00:06:58.720 --> 00:06:59.319 don't want to do. 144 00:06:59.439 --> 00:07:05.000 No, that's why I'm just the porch for twenty bucks. 145 00:07:06.279 --> 00:07:07.800 I didn't want to do it, and. 146 00:07:07.800 --> 00:07:11.120 I wanted it was a deal for your dad probably say, 147 00:07:11.120 --> 00:07:12.879 oh yeah, I would. 148 00:07:12.680 --> 00:07:15.639 Be stuff like that. For example, Uh, I don't know. 149 00:07:15.759 --> 00:07:18.720 I mean mowing the lawn. My parents paid us the 150 00:07:18.720 --> 00:07:20.720 mode lawn, which was nice. 151 00:07:20.839 --> 00:07:21.040 You know. 152 00:07:21.319 --> 00:07:24.079 Uh. From there, I started mowing other people's lawns, so 153 00:07:24.120 --> 00:07:26.000 it you know, I was getting paid at home. I 154 00:07:26.040 --> 00:07:28.680 could go knock on doors and get paid by other people. 155 00:07:28.720 --> 00:07:30.920 So that was nice too. So it taught me a 156 00:07:30.959 --> 00:07:34.720 little bit about entrepreneurship by doing that. Or you know, 157 00:07:35.120 --> 00:07:38.639 one time off type projects like maybe you're organizing the garage. 158 00:07:38.720 --> 00:07:42.600 Paid them to help organize the garage maybe, or you know, 159 00:07:42.720 --> 00:07:45.480 cleaning the basement. Maybe there's something, you know, we need 160 00:07:45.519 --> 00:07:47.920 to put up some shelving. Once I get that shelving up, 161 00:07:47.959 --> 00:07:51.360 i'd like you to organize the shelving. That kind of things. 162 00:07:51.600 --> 00:07:55.720 One off items like that, or washing the car. You know, yes, 163 00:07:55.759 --> 00:07:58.000 I said washing, That's what I said, Seth. 164 00:07:58.399 --> 00:08:01.160 Washing the car, Kevin Kevin Washington car. 165 00:08:01.279 --> 00:08:05.720 Yeah, so so you know, washing the car. Are doing 166 00:08:05.800 --> 00:08:09.639 things that aren't normal everyday type of things. How about 167 00:08:09.839 --> 00:08:14.160 even paying them to do some work for some other people, 168 00:08:14.240 --> 00:08:17.639 to help out the elderly couple across the street. Yes, 169 00:08:17.720 --> 00:08:20.240 it'd be nice if you do that without being paid. 170 00:08:20.319 --> 00:08:24.079 But you know, sometimes people come along who have money 171 00:08:24.120 --> 00:08:27.000 and will pay people to help people who can't help themselves. 172 00:08:27.279 --> 00:08:29.759 You learn about that, You learn about all sorts of things. 173 00:08:29.800 --> 00:08:33.639 So it would be the the not the everyday items 174 00:08:33.679 --> 00:08:36.720 you need just to be a grown up, but beyond that, 175 00:08:36.960 --> 00:08:41.039 you know, the occasional things trimming the bushes, that kind 176 00:08:41.120 --> 00:08:41.399 of thing. 177 00:08:41.799 --> 00:08:44.799 Yeah, absolutely makes a lot of sense, Mark Boy. Folks, 178 00:08:44.840 --> 00:08:47.480 we'd love to hear your thoughts. There are plenty of 179 00:08:47.480 --> 00:08:49.759 thoughts already in our chat right now, Mark, but I 180 00:08:49.840 --> 00:08:51.559 really do want to open it up to you, folks. 181 00:08:51.559 --> 00:08:53.399 You know, now's the time to give us a call. 182 00:08:53.559 --> 00:08:56.240 There's no guests on today's show, so we've got plenty 183 00:08:56.240 --> 00:08:57.159 of time to talk to you. 184 00:08:57.960 --> 00:08:59.919 Chime in on this question. I want to hear from 185 00:09:00.080 --> 00:09:01.440 you we want to hear from you. 186 00:09:01.799 --> 00:09:04.879 Is giving an allowance to kids for chores, a good 187 00:09:04.879 --> 00:09:07.039 idea or a bad idea, or somewhere in between. 188 00:09:07.240 --> 00:09:08.120 We'd love to hear from you. 189 00:09:08.159 --> 00:09:10.120 We'll try to get to those chat comments, but before 190 00:09:10.159 --> 00:09:12.879 we get to them, I want to hear from some 191 00:09:12.919 --> 00:09:15.200 folks on our phone line, Mark, because I think there's 192 00:09:15.200 --> 00:09:16.480 a lot of opinions out there. 193 00:09:16.679 --> 00:09:16.960 For sure. 194 00:09:17.039 --> 00:09:17.200 Yeah. 195 00:09:17.200 --> 00:09:20.360 Absolutely. And you know, one of the things that seems 196 00:09:20.840 --> 00:09:24.000 to be one of the first pushbacks I get when 197 00:09:24.000 --> 00:09:27.080 we talk about allowances whenever I talked about it, is, hey, 198 00:09:27.240 --> 00:09:31.679 I provide them food and shelter and clothing. You know 199 00:09:31.799 --> 00:09:34.759 that's enough. That's enough for them. You know, it's like, 200 00:09:34.879 --> 00:09:35.600 wait a minute, Mark. 201 00:09:35.639 --> 00:09:36.799 I surely had a buddy of mine. 202 00:09:36.840 --> 00:09:39.360 I was teaching a Sunday school class on finances at 203 00:09:39.399 --> 00:09:42.440 our church this past semester, and one of my dear friends, 204 00:09:42.639 --> 00:09:44.879 when I asked this question to the class, that's exactly 205 00:09:44.879 --> 00:09:46.679 what he said. He was like, I didn't have an allowance. 206 00:09:46.720 --> 00:09:50.399 My allowance was I got to live rent free and 207 00:09:50.600 --> 00:09:54.200 eat food rent free, and be a a s member 208 00:09:54.240 --> 00:09:55.799 the household without having to pay for it. 209 00:09:56.000 --> 00:09:59.360 You know, yeah, yeah, I get it, And there's a 210 00:09:59.399 --> 00:10:01.799 little bit of truth in there, and it actually sounds 211 00:10:01.879 --> 00:10:03.919 kind of funny. You're lucky to have a roof over 212 00:10:03.919 --> 00:10:07.000 your type of thing, But the reality is that's your 213 00:10:07.039 --> 00:10:10.039 responsibility as a parent. When you brought a child in 214 00:10:10.080 --> 00:10:14.480 the end of this world. It's your responsibility to feed, clothe, 215 00:10:14.840 --> 00:10:18.480 and protect them. It's also your responsibility to mentor them 216 00:10:18.519 --> 00:10:21.279 into the ways of the Lord. And that's what stewardship 217 00:10:21.320 --> 00:10:24.200 is all about. And if you create an allowance and 218 00:10:24.240 --> 00:10:27.720 you do it properly, it gives you opportunity to mentor 219 00:10:27.759 --> 00:10:30.399 your children so that they're way ahead of the rest 220 00:10:30.440 --> 00:10:33.360 of the world when it comes to finances. And that's 221 00:10:33.399 --> 00:10:35.600 what it's all about. Once you learn how to honor 222 00:10:35.679 --> 00:10:38.840 God with all that He's entrusted to you, even as 223 00:10:38.879 --> 00:10:41.159 a five or ten year old, you learn what it 224 00:10:41.240 --> 00:10:44.080 means to be a steward and you actually have a 225 00:10:44.120 --> 00:10:46.919 step up above the rest of the world. It's wonderful. 226 00:10:47.039 --> 00:10:50.120 Six ten three six three eleven ten. You might have 227 00:10:50.159 --> 00:11:11.879 an opinion on this, folks. 228 00:11:11.919 --> 00:11:14.080 We're grateful to have you on financial issues today. I 229 00:11:14.120 --> 00:11:16.120 phone number six ten three six three eleven ten. It's 230 00:11:16.120 --> 00:11:18.000 an interesting topic and we already get some calls on 231 00:11:18.039 --> 00:11:19.600 it here, Mark, why don't we go to the phones 232 00:11:19.639 --> 00:11:21.360 now and talk to Brenda calling from Georgia. 233 00:11:22.000 --> 00:11:24.679 Very good, Welcome Brenda. We're glad you're with us. What's 234 00:11:24.679 --> 00:11:25.759 on your mind this morning? 235 00:11:26.000 --> 00:11:30.120 Good morning? Well that springs up some memories for me. 236 00:11:30.240 --> 00:11:32.679 We raised four boys, and we really taught them to 237 00:11:32.759 --> 00:11:34.840 work hard. And what I've noticed is a lot of 238 00:11:34.879 --> 00:11:37.600 their friends had not been taught to work hard, and 239 00:11:37.639 --> 00:11:40.159 I've seen it carry over into their careers. And one 240 00:11:40.159 --> 00:11:42.919 of the things that we decided to do, which was 241 00:11:43.000 --> 00:11:45.919 kind of a little bit of a jump for us 242 00:11:45.960 --> 00:11:48.519 to do it, but we figured out what we were 243 00:11:48.559 --> 00:11:52.480 paying on for clothes for them and school lunches and 244 00:11:52.559 --> 00:11:55.399 things that were normally what we would buy for them, 245 00:11:55.759 --> 00:11:58.840 and we gave them salaries at age twelve and on 246 00:11:59.559 --> 00:12:02.000 and they they have this salary to use and they 247 00:12:02.039 --> 00:12:06.200 were allowed to save anything they didn't spend, but they 248 00:12:06.240 --> 00:12:08.639 had to give to the church. They couldn't look like 249 00:12:09.039 --> 00:12:11.519 they were dressing from the Salvation Army. They had to 250 00:12:11.600 --> 00:12:15.320 dress scently. And we kind of got pickled because they 251 00:12:15.320 --> 00:12:18.480 were really into at the time Abercrombie shirts and stuff, 252 00:12:18.480 --> 00:12:20.360 and we said, we're just not going to pay that 253 00:12:20.480 --> 00:12:23.200 kind of money for clothes, and their friends were all 254 00:12:23.240 --> 00:12:25.759 wearing it. So once we put them on the salary, 255 00:12:25.799 --> 00:12:29.720 their tastes totally changed. They chose much more reasonable brands 256 00:12:30.039 --> 00:12:32.759 and even started pushing it on their friends and said, oh, 257 00:12:32.759 --> 00:12:34.799 you're silly to buy that brand of shoes. I got 258 00:12:34.799 --> 00:12:37.879 the same thing for much cheaper. And then they would 259 00:12:37.879 --> 00:12:40.360 buy birthday gifts out of their money for their friends 260 00:12:40.360 --> 00:12:42.720 and it just became more meaningful. And I think they 261 00:12:42.720 --> 00:12:45.440 were very proud of themselves because they were managing their 262 00:12:45.440 --> 00:12:48.000 own money. And of course, of course we had them 263 00:12:48.039 --> 00:12:50.000 do it differently. We had a few that ran out 264 00:12:50.000 --> 00:12:52.559 of money, and then we told them, if you pack 265 00:12:52.639 --> 00:12:54.840 your own lunch, we'll even allow you to keep your 266 00:12:54.879 --> 00:12:56.960 lunch money. If you pack your own, that'll be a 267 00:12:57.000 --> 00:13:00.000 bonus for you. So we let them pack their own 268 00:13:00.120 --> 00:13:02.240 lunches and gave them their school lunch money. And it 269 00:13:02.320 --> 00:13:05.480 had to be healthy, you know, we had parameters for everything. 270 00:13:05.879 --> 00:13:08.080 But they did such a good job, and I feel 271 00:13:08.120 --> 00:13:10.480 like it really prepared them in a lot of ways 272 00:13:10.480 --> 00:13:11.360 for money management. 273 00:13:11.679 --> 00:13:15.120 I think you might be right because what you said 274 00:13:15.159 --> 00:13:18.120 about occasionally they'd run out of money and couldn't do 275 00:13:18.200 --> 00:13:21.759 what they wanted to do. Those consequences are really important 276 00:13:21.759 --> 00:13:25.759 to teach people how to budget and save and not 277 00:13:25.840 --> 00:13:29.759 go crazy. I remember one of my kids did the 278 00:13:29.759 --> 00:13:32.320 same thing. He ran out of money. He really wanted something, 279 00:13:33.080 --> 00:13:36.200 and I said, well, you know what, you spent it 280 00:13:36.320 --> 00:13:39.080 yesterday and the day before on these things, even though 281 00:13:39.120 --> 00:13:41.759 you knew you wanted to buy this, and so you're 282 00:13:41.759 --> 00:13:43.399 just going to have to wait a couple more weeks 283 00:13:43.519 --> 00:13:46.600 till you earn the money. And it it does teach them, 284 00:13:46.600 --> 00:13:49.399 It teaches them to be productive. I'm glad you brought 285 00:13:49.399 --> 00:13:51.600 this up because I think one of the reasons I 286 00:13:51.679 --> 00:13:54.600 have a work ethic to where it's almost a work addiction, 287 00:13:54.720 --> 00:13:58.960 it's almost overlying, is that is because as a child, 288 00:13:59.120 --> 00:14:02.080 if I wanted some my parents said, go earn the money, 289 00:14:02.679 --> 00:14:04.679 you know, if you want something going on. Not that 290 00:14:04.919 --> 00:14:06.720 not that they were mean. I mean they gave us. 291 00:14:06.720 --> 00:14:09.679 They took care of us, and they did provide for us, 292 00:14:09.759 --> 00:14:13.080 you know, and they did did love on us, never 293 00:14:13.159 --> 00:14:15.799 went without, even though we were maybe in a low 294 00:14:15.840 --> 00:14:16.799 income bracket. 295 00:14:16.960 --> 00:14:17.080 Uh. 296 00:14:17.240 --> 00:14:20.759 You know, Mom and dad both worked, but they just 297 00:14:21.000 --> 00:14:25.960 taught us that, you know, you could do anything you 298 00:14:26.080 --> 00:14:30.200 wanted to do. But you know, you have to put 299 00:14:30.240 --> 00:14:33.039 your energy into it. And I learned that real early 300 00:14:33.440 --> 00:14:36.960 because of that, and I really appreciated that. Absolutely. I 301 00:14:36.960 --> 00:14:39.600 would have liked a little more mentoring on how to 302 00:14:39.639 --> 00:14:43.200 handle money and stuff, but especially on the giving end, 303 00:14:43.399 --> 00:14:46.679 even though my mom and dad really did care for 304 00:14:46.759 --> 00:14:49.200 people and helped a lot of people out, so that 305 00:14:49.399 --> 00:14:52.799 lesson alone stayed with me and my wife and I were, 306 00:14:53.320 --> 00:14:56.519 you know, we're the same way. If there's somebody in need, 307 00:14:56.559 --> 00:15:00.559 we can't stand by and not help, you know, mm hmm. 308 00:15:01.080 --> 00:15:03.360 That's the other thing too, is taking them with you 309 00:15:03.480 --> 00:15:07.320 when you're doing service projects or giving other people and 310 00:15:07.360 --> 00:15:09.799 them being a part of that. We would we would 311 00:15:09.799 --> 00:15:12.120 sometimes take them with us on workdays and things when 312 00:15:12.120 --> 00:15:15.039 it was for a charity, and that was always a 313 00:15:15.080 --> 00:15:18.519 good also a really good eye opener for them that 314 00:15:18.919 --> 00:15:21.600 not everybody has all the stuff that they think they need. 315 00:15:22.159 --> 00:15:24.840 So those were that's just two comments. I want to 316 00:15:24.840 --> 00:15:27.720 make one other thing. We had Saturday work days and boy, 317 00:15:28.080 --> 00:15:31.120 they they thought it was awful and their friends didn't 318 00:15:31.159 --> 00:15:33.840 have to do that, but they worked a section of 319 00:15:34.000 --> 00:15:36.519 each Saturday with us, and it was a family. We 320 00:15:36.559 --> 00:15:39.240 all got out there together and work and today they 321 00:15:39.279 --> 00:15:40.879 would say, that's the best thing we did. 322 00:15:41.480 --> 00:15:44.960 Yeah when they look back on it now, right, Yeah, yes, Brenda, 323 00:15:45.159 --> 00:15:48.720 You're bringing back so many memories of my youth. I 324 00:15:48.799 --> 00:15:52.919 just love it, especially, you know. And as a young parent, 325 00:15:53.000 --> 00:15:55.200 I remember my kids talking about the type of ten 326 00:15:55.279 --> 00:15:58.600 issues they wanted, and I'd say, you know, no, this 327 00:15:58.679 --> 00:16:00.840 is what we're going to spend on. Ten is anything 328 00:16:00.919 --> 00:16:04.120 over that is up to you. I'm not going to 329 00:16:04.159 --> 00:16:06.960 I'm not going to spend one hundred dollars. Back then, 330 00:16:07.039 --> 00:16:10.159 tennis shoes were fifteen to twenty bucks, you know, but 331 00:16:10.240 --> 00:16:13.240 if you wanted these stylish ones, they were seventy five 332 00:16:13.279 --> 00:16:15.960 doll hundred dollars. And it's like, no, these are the 333 00:16:16.000 --> 00:16:18.639 sinner shoes we're going to buy. They don't have some 334 00:16:18.960 --> 00:16:21.279 athletes name on them, and they don't you know, you're 335 00:16:21.320 --> 00:16:24.440 not paying to be cool. Pain to be cool is 336 00:16:24.480 --> 00:16:26.879 one of the worst ways, or one of the best 337 00:16:26.919 --> 00:16:29.360 ways to lose all your money. 338 00:16:29.720 --> 00:16:32.600 Well, and they really developed a pride that they were 339 00:16:32.639 --> 00:16:35.840 handling their own money. And I just remember one of 340 00:16:35.879 --> 00:16:38.080 my sons going, boy, I can't believe you paid that 341 00:16:38.120 --> 00:16:40.120 for those shoes. I got these and they look just 342 00:16:40.240 --> 00:16:41.480 like them in their way. 343 00:16:44.080 --> 00:16:46.559 Praise God. I wish I could high five you right now. 344 00:16:48.159 --> 00:16:51.600 Good job, good job, Thanks Brenda, God bless you. 345 00:16:51.879 --> 00:16:55.240 It's great comment. All right, appreciate it that you know, Mark, 346 00:16:55.279 --> 00:16:56.799 it is so important. Brenda brought that up. 347 00:16:56.840 --> 00:16:58.960 It's so key to this whole discussion, and Sammy mentioned 348 00:16:58.960 --> 00:17:02.080 this in our break. We're not talking about the whole Oh, 349 00:17:02.120 --> 00:17:04.519 you're just getting a weekly allowance for being alive. 350 00:17:05.000 --> 00:17:08.319 This is how you have earned this money through whatever 351 00:17:08.359 --> 00:17:08.599 it is. 352 00:17:08.640 --> 00:17:11.799 Maybe maybe it's regular, maybe it's regular recurring chores, or 353 00:17:11.839 --> 00:17:14.599 maybe it's special chores. But you're teaching your children the 354 00:17:14.720 --> 00:17:17.519 value of earning something by working for it. 355 00:17:17.559 --> 00:17:18.519 That's a really good thing. 356 00:17:18.680 --> 00:17:21.319 I just think that's really exactly, yeah, exactly. 357 00:17:23.759 --> 00:17:25.839 But it goes much deeper than that. I think the 358 00:17:25.880 --> 00:17:27.519 giving part of it's really important. 359 00:17:27.599 --> 00:17:27.960 Yeah. 360 00:17:28.000 --> 00:17:30.519 You know, when my dad gave me an allowune and 361 00:17:30.559 --> 00:17:33.799 then we go to church, I had money to put 362 00:17:33.839 --> 00:17:37.319 in the into the plate that was being passed around. Now, 363 00:17:37.440 --> 00:17:40.440 granted it came from my dad before I even you know, 364 00:17:40.559 --> 00:17:43.279 before I knew what a chore was. He would he 365 00:17:43.319 --> 00:17:45.279 would give me money to do that with, you know, 366 00:17:45.319 --> 00:17:47.519 give me a handful of money to put in a plate. 367 00:17:48.279 --> 00:17:51.279 But the thing was that I was learning to give 368 00:17:51.400 --> 00:17:54.519 right off the bat. I was learning that, you know, 369 00:17:56.480 --> 00:18:02.920 I was learning that the sources that God has entrusted 370 00:18:03.000 --> 00:18:06.400 to us were to be used for special purposes. One 371 00:18:06.440 --> 00:18:09.039 of those was to teach us not to be materialists, 372 00:18:09.079 --> 00:18:12.720 not to not to get addicted to this money, but 373 00:18:12.799 --> 00:18:15.400 to trust God, give it back to him and let 374 00:18:15.440 --> 00:18:18.359 him use it to help those who needed it, you know, 375 00:18:18.440 --> 00:18:23.319 including pain for the the shepherds, and including but the 376 00:18:23.440 --> 00:18:27.359 church also was an outlet for that money to help families. 377 00:18:27.440 --> 00:18:30.039 My twenty three cents that I put in there probably 378 00:18:30.039 --> 00:18:32.839 wouldn't do nothing, but with all the people coming together, 379 00:18:33.160 --> 00:18:35.920 we could help a family that is going through some 380 00:18:36.000 --> 00:18:39.839 financial difficulty. You know. That's that's what I learned on 381 00:18:39.880 --> 00:18:42.720 the giving very early in my life at least. And 382 00:18:43.079 --> 00:18:46.400 that doesn't happen unless you set up a situation where 383 00:18:46.400 --> 00:18:49.480 they have to handle money and you are there to 384 00:18:49.640 --> 00:18:53.119 mentor them in how to do that. It's a wonderful 385 00:18:53.160 --> 00:18:54.680 and great thing, it really is. 386 00:18:54.720 --> 00:18:56.359 Mark. Before we go to Scott here in Scott, just 387 00:18:56.440 --> 00:18:57.359 hang on a second, get right to you. 388 00:18:57.480 --> 00:18:59.039 Let me just say, as well, you mentioned giving that 389 00:18:59.079 --> 00:19:01.920 we have this crossroad kids called campaign right now, reach 390 00:19:01.960 --> 00:19:05.240 our schools dot com. We're about ten thousand dollars away 391 00:19:05.240 --> 00:19:07.480 from our goal, so we are over halfway there. We're 392 00:19:07.480 --> 00:19:10.279 well on our way right around. I'm told sixty nine 393 00:19:10.359 --> 00:19:12.440 children have been sponsored at this point of our one 394 00:19:12.519 --> 00:19:15.880 hundred and twenty five. It says sixty six on Crossroads website, 395 00:19:15.880 --> 00:19:17.359 but we've actually got a couple more gifts that have 396 00:19:17.400 --> 00:19:19.640 not been counted yet, which is awesome. So we're just 397 00:19:19.680 --> 00:19:21.400 so so excited for that. So go to reach our. 398 00:19:21.319 --> 00:19:22.319 Schools dot com right now. 399 00:19:22.319 --> 00:19:25.480 Folks, make a donation any amount, Any amount doesn't have 400 00:19:25.480 --> 00:19:27.000 to be two hundred. It give me five bucks and 401 00:19:27.039 --> 00:19:29.039