WEBVTT 1 00:00:03.799 --> 00:00:07.599 Welcome to Financial Issues, where we help you steward faithfully 2 00:00:07.799 --> 00:00:11.400 by honoring God with your investments. Now listen in as 3 00:00:11.439 --> 00:00:14.240 we give you the practical tools and advice you need 4 00:00:14.519 --> 00:00:17.039 to become a biblically responsible investor. 5 00:00:23.280 --> 00:00:26.440 This is Financial Issues, where we help you defund darkness 6 00:00:26.480 --> 00:00:29.920 and fund the light by investing with biblical integrity. To 7 00:00:29.960 --> 00:00:32.520 open the week today, folks, what if the end times 8 00:00:32.960 --> 00:00:35.320 are right around the corner? Ooh boy? How do we 9 00:00:35.359 --> 00:00:39.960 prepare well both financially and more importantly spiritually? Sethidinsky Sam 10 00:00:40.000 --> 00:00:41.920 case over in the control room. We've got your host, 11 00:00:42.000 --> 00:00:44.240 Mark Manila. Mark a doozy of a topic this morning. 12 00:00:44.240 --> 00:00:45.119 I'm looking forward to it. 13 00:00:45.600 --> 00:00:48.079 What a way to start a Monday. Good morning everyone. 14 00:00:48.399 --> 00:00:50.399 If no one else is awake, I hope they are. 15 00:00:50.520 --> 00:00:52.159 Now we're about to have some fun. 16 00:00:52.439 --> 00:00:55.759 Well, mondays do feel like the apocalypse for some people, 17 00:00:56.000 --> 00:00:57.159 so it might be appropriate. 18 00:00:57.200 --> 00:00:59.719 It's very appropriate, that's right. Hey, the phone number six ten, 19 00:00:59.759 --> 00:01:03.240 three eleven ten. Again, the number is six ten three 20 00:01:03.320 --> 00:01:05.400 six three eleven ten. We want to hear from you, folks. 21 00:01:05.439 --> 00:01:07.599 You got questions. But guys, before we get to that 22 00:01:07.680 --> 00:01:09.280 fun topic, why don't we open our show in the 23 00:01:09.280 --> 00:01:11.159 scriptures here, Sam, you want to give us our verse 24 00:01:11.159 --> 00:01:12.480 of the week from First Peter four ten. 25 00:01:12.680 --> 00:01:15.840 I sure can, as each has received a gift used 26 00:01:15.920 --> 00:01:19.640 to serve one another as good stewards of God's varied grace. 27 00:01:19.719 --> 00:01:24.480 First Peter four ten. Awesome love that verse, Mark, What 28 00:01:24.519 --> 00:01:25.879 do you think, Well. 29 00:01:25.760 --> 00:01:30.239 I think it's he's not directly talking about investing, but 30 00:01:30.319 --> 00:01:33.599 I think the bottom line of the principle of it 31 00:01:33.680 --> 00:01:36.920 all is it applies totally to everything in our life, 32 00:01:36.959 --> 00:01:40.439 including investing, and that's whatever we do do is on 33 00:01:40.560 --> 00:01:43.640 to the Lord, but also do in a way that 34 00:01:44.200 --> 00:01:47.480 serves one another, just not ourselves. We don't invest just 35 00:01:47.560 --> 00:01:50.200 for ourselves, because it's not our money to begin with, 36 00:01:50.560 --> 00:01:54.959 it's God's. So we invest to help God's purposes, to 37 00:01:55.159 --> 00:01:58.879 provide for God's purposes. That purpose might be to provide 38 00:01:58.879 --> 00:02:02.040 for your family as well as others that the Lord 39 00:02:02.040 --> 00:02:04.599 puts in your walk, but it also might be to 40 00:02:04.680 --> 00:02:07.120 get the good news out there for those people who 41 00:02:07.159 --> 00:02:09.560 haven't heard it yet, or for those who maybe are 42 00:02:09.599 --> 00:02:13.159 seeking and haven't really understood what it really means to 43 00:02:13.840 --> 00:02:17.360 accept Jesus Christ as your savior. So there's a lot 44 00:02:17.360 --> 00:02:20.960 of reasons to invest, and I would think that one 45 00:02:21.039 --> 00:02:24.479 of the reasons that we want to invest is to 46 00:02:24.520 --> 00:02:27.520 invest in a way that honors God. That way, we're 47 00:02:27.560 --> 00:02:30.800 not causing people to stumble on their walk towards God 48 00:02:31.199 --> 00:02:32.800 or with Him. 49 00:02:32.800 --> 00:02:35.439 Well said brother, you know, I'm encouraged by this verse 50 00:02:35.520 --> 00:02:40.479 because God is the provider of the gift. You know, 51 00:02:40.520 --> 00:02:43.199 each has received a gift, so we didn't conjure up 52 00:02:43.240 --> 00:02:43.840 the gift God. 53 00:02:43.960 --> 00:02:45.319 Well, then it wouldn't be called the gifts. 54 00:02:45.479 --> 00:02:48.159 Yeah, that's exactly right, That's exactly right. And I was 55 00:02:48.199 --> 00:02:50.680 just reminded of, you know the fact that some of us, 56 00:02:50.719 --> 00:02:52.800 I think, have a tendency to begrudge the gift that 57 00:02:52.879 --> 00:02:55.319 we gave. And I think it's far better for us. 58 00:02:55.360 --> 00:02:56.879 And I say that because I know I've done that 59 00:02:56.919 --> 00:02:59.520 before too, that my giftedness. Sometimes I thought, why didn't 60 00:02:59.520 --> 00:03:02.080 God bless me in this way? You know, I see 61 00:03:02.080 --> 00:03:04.000 this person over here, I want to be like them, 62 00:03:04.280 --> 00:03:07.159 rather than saying, no, hold on, God blessed you for 63 00:03:07.280 --> 00:03:09.080 a purpose. God is the one who gave the gift. 64 00:03:09.120 --> 00:03:11.560 God obviously has a purpose for that, So use it well. 65 00:03:11.680 --> 00:03:13.520 Be a good steward of it, Be a good steward 66 00:03:13.560 --> 00:03:16.240 of it. You never know what God can do with us, 67 00:03:16.280 --> 00:03:19.080 with a with a redeemed sinner who's faithful, a. 68 00:03:19.120 --> 00:03:20.800 Lot, a lot of good. 69 00:03:21.039 --> 00:03:25.120 Absolutely, all right, guys, let's do it financially preparing for 70 00:03:25.199 --> 00:03:27.879 the worst. Mark This is going to be fun. Let's 71 00:03:27.879 --> 00:03:30.240 do this. So Kenny asked us a good question. Here's 72 00:03:30.319 --> 00:03:32.759 Kenny's question. He says this, I believe we're living in 73 00:03:32.800 --> 00:03:35.560 the last days. I also believe that we are late 74 00:03:35.599 --> 00:03:38.159 in the hour of the Last Days. I have about 75 00:03:38.199 --> 00:03:41.639 a million dollars invested with a local investment broker. My question, 76 00:03:42.000 --> 00:03:44.479 I wonder if my money is safe invested in the 77 00:03:44.479 --> 00:03:47.520 stock market long term, as I believe the US will 78 00:03:47.520 --> 00:03:50.159 be a non player in the end times events based 79 00:03:50.199 --> 00:03:53.360 on the Bible. Therefore, there must be a collapse in 80 00:03:53.400 --> 00:03:55.840 the economy of the US, among other things, for the 81 00:03:55.919 --> 00:03:59.039 US to not be mentioned in the Last Days. If 82 00:03:59.039 --> 00:04:03.120 the market crashed, a cash position doesn't seem safe. So 83 00:04:03.199 --> 00:04:05.680 what options do I have? Should I even worry about it? 84 00:04:05.800 --> 00:04:07.960 Should I put a good sum of money into gold? 85 00:04:08.360 --> 00:04:10.400 What do you guys think? I do believe in a 86 00:04:10.479 --> 00:04:13.759 pre millennial viewpoint, if that matters or not. Also, I 87 00:04:13.800 --> 00:04:17.279 just wanted a trusted source about these things. Thank you. 88 00:04:17.319 --> 00:04:19.800 For your direction. There's a lot to that question there, Mark, 89 00:04:20.199 --> 00:04:21.040 I'll head it off to you. 90 00:04:22.519 --> 00:04:25.720 Good luck. Thanks, Yeah, there is a lot here. I'd 91 00:04:25.759 --> 00:04:28.040 like to first start with the question about should I 92 00:04:28.079 --> 00:04:34.040 worry about it? It almost feels wrong to say this, 93 00:04:34.120 --> 00:04:36.839 but no, of course you shouldn't worry about it. God 94 00:04:36.879 --> 00:04:39.720 tells us not to worry. What can we change? We 95 00:04:39.839 --> 00:04:43.360 just do what God has enabled us to do. And 96 00:04:43.399 --> 00:04:46.040 when do we do that? All the time? We just 97 00:04:46.120 --> 00:04:48.319 do the best we can with what He has provided 98 00:04:48.360 --> 00:04:50.519 to us all the time. And if we do that, 99 00:04:50.839 --> 00:04:54.360 whatever the outcome is, it's his. He's the one who 100 00:04:54.480 --> 00:04:58.000 determines the outcome of all that. So no, we shouldn't worry. 101 00:04:58.120 --> 00:05:01.839 We shouldn't ring in our hands worrying about the end times. 102 00:05:01.920 --> 00:05:04.800 What we should be doing? Though, if you really believe 103 00:05:04.839 --> 00:05:07.120 it's the end time, If you believe we're in the 104 00:05:07.199 --> 00:05:09.680 late hours of the end time, why is there a 105 00:05:09.720 --> 00:05:12.879 million dollars sitting in that account? Why isn't it being 106 00:05:12.879 --> 00:05:17.560 put to productivity to be utilized by God for his kingdom? 107 00:05:17.879 --> 00:05:20.360 That would be my question. I don't know if that 108 00:05:20.480 --> 00:05:23.199 makes sense to you, But how many people do you 109 00:05:23.319 --> 00:05:27.560 know that don't know the Gospel how many organizations could 110 00:05:27.720 --> 00:05:31.000 use that money to get the good news out, so 111 00:05:31.399 --> 00:05:34.000 a lot of So just like you who believe in 112 00:05:34.120 --> 00:05:37.199 Jesus Christ as their Lord and savior, will have eternity 113 00:05:37.240 --> 00:05:40.839 with the One True God if time's almost up. Because 114 00:05:40.920 --> 00:05:44.920 once that happens, once we're either called home or Christ returns, 115 00:05:45.120 --> 00:05:47.800 we no longer we'll have to worry about how much 116 00:05:47.879 --> 00:05:51.040 money's in the bank. All our provisions will be made 117 00:05:51.079 --> 00:05:53.800 for us by God, actually just like they are now, 118 00:05:53.839 --> 00:05:56.519 but we'll fully recognize it. Then we won't have to 119 00:05:56.560 --> 00:06:00.560 worry about those things. We'll be sitting there honoring and 120 00:06:00.600 --> 00:06:04.079 glorifying God. And He has a position for us in 121 00:06:04.120 --> 00:06:08.480 his kingdom. So what we have right now should be 122 00:06:08.600 --> 00:06:12.560 used for right now, not for after Christ's returns. I 123 00:06:12.639 --> 00:06:18.160 don't think he needs our money. The streets of heaven 124 00:06:18.199 --> 00:06:20.639 on earth will be paved with gold. He doesn't need 125 00:06:20.680 --> 00:06:24.800 our gold. Let's utilize it now. So, Kinney, if you 126 00:06:24.879 --> 00:06:29.040 really believe what you're saying, start praying and asking God, Lord, 127 00:06:29.079 --> 00:06:31.240 how do you want me to use this money right now? 128 00:06:31.399 --> 00:06:34.639 Do you want me to continually grow it and then 129 00:06:34.879 --> 00:06:36.680 give a little bit at a time, or do you 130 00:06:36.720 --> 00:06:39.879 want me to start dispersing it right now and helping 131 00:06:39.920 --> 00:06:44.160 those people are using utilizing it to get the gospel out, 132 00:06:44.360 --> 00:06:46.480 or how do you want us to use it? So 133 00:06:46.680 --> 00:06:49.560 I wouldn't. I wouldn't prepare for the end times like 134 00:06:49.680 --> 00:06:51.879 people did at y two k I don't know if 135 00:06:51.879 --> 00:06:54.000 you remember that, but it sounds like you might be 136 00:06:54.279 --> 00:06:57.920 old enough to remember that. But a lot of people 137 00:06:57.920 --> 00:07:01.879 were storing up golden guns. That was the phrase, golden guns. 138 00:07:01.879 --> 00:07:04.040 You need golden guns because the dollar is going to 139 00:07:04.120 --> 00:07:08.399 collapse because computers can't calculate a four digit year, and 140 00:07:08.759 --> 00:07:11.079 everything's gonna go down. Bang, it's gonna go down. You're 141 00:07:11.079 --> 00:07:13.160 gonna have to protect yourself with the guns, and you 142 00:07:13.240 --> 00:07:17.399 need the gold to buy food. Well, my thoughts back 143 00:07:17.439 --> 00:07:20.399 then were the same as they are with this kinney. 144 00:07:20.600 --> 00:07:23.000 That's not what God calls us to. God calls us 145 00:07:23.079 --> 00:07:26.600 to care for one another. God caused us to help 146 00:07:26.639 --> 00:07:30.079 one another. So instead of guns in gold, how about 147 00:07:30.160 --> 00:07:33.639 food and blankets so you can help give people who've 148 00:07:33.720 --> 00:07:36.560 lost their houses or who are out in the streets 149 00:07:36.600 --> 00:07:40.120 a place to stay warm and food to nourish their bodies, 150 00:07:40.360 --> 00:07:43.079 and then you can give them the gospel. Prepare for 151 00:07:43.279 --> 00:07:45.879 Karen for others. That is the way I would look 152 00:07:45.920 --> 00:07:46.240 at it. 153 00:07:46.959 --> 00:07:49.279 Mark, I think you're exactly right. I think regardless, and 154 00:07:49.360 --> 00:07:51.439 I appreciate that Kenny, you know, shows his hand and 155 00:07:51.480 --> 00:07:54.279 says that he has a premennial viewpoint, regardless of your 156 00:07:54.360 --> 00:07:57.079 view on the millennium. I think we have to steward 157 00:07:57.079 --> 00:07:59.839 our nation and steward our resources. 158 00:07:59.639 --> 00:08:02.160 Right where we are, right away, right here, you know. 159 00:08:02.360 --> 00:08:04.720 Yeah, I mean rather than assuming, oh, it's going to 160 00:08:04.759 --> 00:08:06.959 come today, you know what, it could come today. The 161 00:08:07.000 --> 00:08:08.279 Lord could take you home today. 162 00:08:08.319 --> 00:08:11.600 That could be you could also get hit by right, Yeah, 163 00:08:12.600 --> 00:08:14.639 it's kind of the same for you exactly. 164 00:08:14.680 --> 00:08:17.160 But I mean, you Sam, you can have a rack 165 00:08:17.240 --> 00:08:19.839 of equipment, audio, video equipment, follow. 166 00:08:20.480 --> 00:08:22.519 Well, I think I'm far enough away. I mean, get 167 00:08:22.560 --> 00:08:23.879 it could blow up maybe and. 168 00:08:23.839 --> 00:08:24.839 That might be for me. 169 00:08:25.879 --> 00:08:27.759 Yeah, but no, it really is true. Mark, I think 170 00:08:27.800 --> 00:08:30.360 you're totally right. Mark. What what about Kenny's question of 171 00:08:30.399 --> 00:08:32.080 putting a sum of money in gold? I know, something 172 00:08:32.080 --> 00:08:35.960 we've talked about before, But where does the rationale that 173 00:08:36.039 --> 00:08:39.279 my gold is going to protect me in the apocalypse 174 00:08:39.360 --> 00:08:41.000 come from? It just doesn't seem to. 175 00:08:41.000 --> 00:08:45.159 Spare precious metal. Uh yeah, A lot of times if 176 00:08:45.200 --> 00:08:47.200 people find out you got a lot of gold, and 177 00:08:47.480 --> 00:08:52.600 currencies have just been deteriorated to nothing. They'll kill you 178 00:08:52.679 --> 00:08:53.240 for the gold. 179 00:08:53.399 --> 00:08:54.480 So yeah, okay. 180 00:08:54.519 --> 00:08:56.320 The first time you go to the market and you're 181 00:08:56.360 --> 00:08:58.320 and you're breaking up a little piece of gold to 182 00:08:58.360 --> 00:09:04.440 pay for some some food, somebody's gonna follow you home, right, 183 00:09:03.799 --> 00:09:08.200 But you know that. That's the idea is that gold 184 00:09:08.240 --> 00:09:14.000 has always been a way of storing wealth and to 185 00:09:14.200 --> 00:09:18.240 transact wealth, you know, back to Rome, back to Jesus's day, 186 00:09:18.480 --> 00:09:23.080 beyond that. So that's all that is. However, you know, 187 00:09:23.159 --> 00:09:26.320 I have no problems with people investing in gold. Just 188 00:09:26.399 --> 00:09:30.360 remember it is not a safe place to invest, as 189 00:09:30.399 --> 00:09:33.320 everybody says. It may keep up with inflation on the 190 00:09:33.360 --> 00:09:37.240 wrong long term, but it's not safe. It has pullbacks 191 00:09:37.240 --> 00:09:40.320 of thirty fifty percent at times, so you need to 192 00:09:40.320 --> 00:09:44.080 be ready for that too. Just the idea is, let's 193 00:09:44.200 --> 00:09:46.639 live for what God calls us to live, do the 194 00:09:46.639 --> 00:09:49.360 best we can with what he has. Is there anything 195 00:09:49.360 --> 00:09:51.600 wrong with having a little gold in there to offset 196 00:09:51.639 --> 00:09:55.600 inflation and taxes? No, there's nothing wrong with that. What 197 00:09:55.720 --> 00:09:59.159 I put all my money in there, absolutely not. Try 198 00:09:59.399 --> 00:10:02.840 try and convert your gold to food someday and see 199 00:10:02.879 --> 00:10:06.840 what happens now. There is glint, which Kevin Freeman told 200 00:10:06.919 --> 00:10:09.799 us about, so, but you don't hold that gold that 201 00:10:10.080 --> 00:10:13.159 so if the Internet goes down, you won't be able 202 00:10:13.159 --> 00:10:17.320 to use your Glint card to transact like a master 203 00:10:17.480 --> 00:10:21.519 card of gold. So anyway, I think that the gold 204 00:10:21.600 --> 00:10:26.000 is overrated, but there's nothing wrong with it to be 205 00:10:26.159 --> 00:10:30.639 using as part of your portfolio. Again, God called you 206 00:10:30.720 --> 00:10:33.399 to be a steward right now. Now's the time to 207 00:10:33.480 --> 00:10:36.759 be utilizing that money for what you believe God wants 208 00:10:36.799 --> 00:10:40.159 you to do with it, not preparing for something that 209 00:10:40.200 --> 00:10:43.120 may or may not happen in your lifetime. We can't 210 00:10:43.159 --> 00:10:46.559 predict the future. Use it now, impact lives now. Six 211 00:10:46.720 --> 00:10:49.759 ten three six three eleven ten. Looking forward to your 212 00:10:49.799 --> 00:11:20.799 calls today. 213 00:11:10.919 --> 00:11:12.919 Six ten three six three eleven ten. You know, Mark 214 00:11:13.279 --> 00:11:15.399 to wrap up the conversation with Kenny's question, you know 215 00:11:15.440 --> 00:11:17.399 his first question he asked about and Kenny, it's a 216 00:11:17.399 --> 00:11:19.519 great question. I'm so glad that she asked it. Should 217 00:11:19.559 --> 00:11:21.960 I even worry about the end times and my money 218 00:11:21.960 --> 00:11:23.240 and all that stuff? And Mark, he gave such a 219 00:11:23.240 --> 00:11:25.879 brilliant answer. And I would just add, Kenny, the only 220 00:11:25.919 --> 00:11:28.440 reason that you have to worry about the end cooming 221 00:11:28.600 --> 00:11:30.840 is if you're not right with God. I mean, that's 222 00:11:31.120 --> 00:11:33.720 that's the ultimate reason. And then I would say, yeah, yeah, 223 00:11:33.720 --> 00:11:35.279 you get a lot to worry about, and you should 224 00:11:35.320 --> 00:11:37.840 get right with God immediately by confessing the name of 225 00:11:37.919 --> 00:11:40.600 Jesus Christ, by believing on him for salvation, and then 226 00:11:40.639 --> 00:11:41.919 you have nothing to worry about. 227 00:11:41.799 --> 00:11:42.039 You know. 228 00:11:42.120 --> 00:11:44.440 And Mark, that's not to say that we shouldn't plan. 229 00:11:44.519 --> 00:11:46.080 I believe that we should. But I think it's far 230 00:11:46.120 --> 00:11:48.840 better for us to plan as if the Lord is 231 00:11:48.879 --> 00:11:52.559 not going to come back for quite some time. But spiritually, 232 00:11:52.720 --> 00:11:54.960 now that's financially to plan for that way, spiritually for 233 00:11:55.039 --> 00:11:56.759 us to be ready for him to come back any day. 234 00:11:56.720 --> 00:12:00.440 Because he could exactly exactly be ready for his return, 235 00:12:00.639 --> 00:12:03.559 be prepared for that, but live like it may not 236 00:12:03.720 --> 00:12:08.720 happen in your lifetime. Live in the sense of moving forward. 237 00:12:08.759 --> 00:12:11.039 I also like the idea of living like it may 238 00:12:11.120 --> 00:12:13.919 happen in the next couple of days. If Jesus was 239 00:12:13.960 --> 00:12:18.000 coming back tomorrow, if the end time started tomorrow, however 240 00:12:18.039 --> 00:12:21.440 you want to say it, If tomorrow was it, who 241 00:12:21.519 --> 00:12:24.399 would you want to make sure was in heaven with you? 242 00:12:24.639 --> 00:12:27.399 That isn't right now? Have you taken the time to 243 00:12:27.399 --> 00:12:30.120 make that phone call, to go grab a lunch with them, 244 00:12:30.360 --> 00:12:33.480 to share Jesus Christ, or have you just been putting 245 00:12:33.480 --> 00:12:37.120 it off and hoping they'll come around. You know, God 246 00:12:37.159 --> 00:12:40.200 has given us the ability to communicate the gospel. He's 247 00:12:40.240 --> 00:12:44.840 given you the resources to reach out to utilize them 248 00:12:44.879 --> 00:12:48.519 to His glory. Remember, when people see other people using 249 00:12:48.919 --> 00:12:52.720 God's resources for his purposes to his glory, they wonder 250 00:12:52.759 --> 00:12:55.639 why somebody will do that, and they'll start asking questions. 251 00:12:56.039 --> 00:12:58.480 So utilize it, make it happen. 252 00:13:00.080 --> 00:13:04.039 Servant found working when the Master returns, Amen and Amen. 253 00:13:04.000 --> 00:13:06.320 Six ten three six three eleven ten Love that, guys. Hey, 254 00:13:06.320 --> 00:13:09.519 today's show brought to you by our friends at Timothy Plan. 255 00:13:09.639 --> 00:13:12.080 If you need some assistance in making these plans and 256 00:13:12.120 --> 00:13:13.919 planning well being a good steward of what God has 257 00:13:13.960 --> 00:13:17.200 given to you, Timothy Plan has the resources for you there, folks. 258 00:13:17.279 --> 00:13:20.440 Check them out timothyplan dot com. We're delighted to be 259 00:13:20.480 --> 00:13:23.360 able to partner with them, the pioneers of biblically responsible 260 00:13:23.399 --> 00:13:27.480 investing markets. On Friday, guys continued their calm trajectory. They 261 00:13:27.519 --> 00:13:29.679 were slightly negative, but still it was a good winning 262 00:13:29.720 --> 00:13:32.360 week for the markets. The Russell two thousand was the 263 00:13:32.399 --> 00:13:35.519 lone winner. All three other major indices down slightly. Pre 264 00:13:35.600 --> 00:13:38.120 markets this morning have kind of inverted. The Dow Joneses 265 00:13:38.159 --> 00:13:40.559 down a little bit. The SMP and the Nasdaq both green, 266 00:13:41.399 --> 00:13:43.440 and so that's what we're looking like there, Mark, I'm 267 00:13:43.480 --> 00:13:45.919 seeing oil up slightly as well as we wait for 268 00:13:45.960 --> 00:13:48.679 the markets to open for the first thing this morning, 269 00:13:48.720 --> 00:13:50.159 first call that is. 270 00:13:50.399 --> 00:13:52.919 But speaking of gold, it's up this morning. 271 00:13:52.919 --> 00:13:54.399 There you go, So good stuff. 272 00:13:54.559 --> 00:13:55.279 Yeah, a little bit. 273 00:13:55.360 --> 00:13:56.399 Yeah, so get into golden now. 274 00:13:56.399 --> 00:13:56.960 I'm just kidding. 275 00:13:59.039 --> 00:14:00.720 But like you said, Mark, a little bit. I bought 276 00:14:00.759 --> 00:14:02.759 a little bit of gold this past week just to 277 00:14:02.759 --> 00:14:05.759 bring that up a little bit. So, Mark, you published 278 00:14:05.759 --> 00:14:09.600 a new op ed. I'm really excited about this one. 279 00:14:09.600 --> 00:14:12.720 It's titled America has a Man Problem. Can you just 280 00:14:12.720 --> 00:14:14.559 give us a quick glimpse of that one? It means 281 00:14:14.559 --> 00:14:15.320 Mark's a feminist. 282 00:14:18.360 --> 00:14:20.840 Well, the man problem is if you look at the 283 00:14:21.000 --> 00:14:25.960 number of working age men who are participating in the workforce, 284 00:14:26.279 --> 00:14:29.120 it's not a matter of they can't find work. It's 285 00:14:29.159 --> 00:14:32.720 a matter of they decided not to. It's larger today 286 00:14:32.759 --> 00:14:36.039 than it was twenty years ago. More people, more grown, 287 00:14:37.039 --> 00:14:42.200 mature men, workage men are electing out of the workforce, 288 00:14:42.679 --> 00:14:44.600 and I think there's a lot of reasons for that, 289 00:14:44.679 --> 00:14:47.039 and you might be surprised with some of those readings. 290 00:14:47.039 --> 00:14:50.159 So you could go out to the Daily Caller and 291 00:14:50.240 --> 00:14:52.480 look it up, and I think it'll be posted on 292 00:14:52.519 --> 00:14:54.600 our site as well. But go out to the Daily 293 00:14:54.679 --> 00:14:57.639 Caller so they know you're interested. The more their interests 294 00:14:57.639 --> 00:15:00.840 and the more they'll publish my op eds and your seth. 295 00:15:01.240 --> 00:15:04.919 Yeah, absolutely, Mark, leave a comment, share it too. Yeah, definitely, 296 00:15:05.080 --> 00:15:08.200 definitely do that. So excited to read that one. Mark 297 00:15:08.200 --> 00:15:09.679 and Sam. By the way, did you guys know today's 298 00:15:09.759 --> 00:15:11.720 National Nonprofit Day? Do you know that? 299 00:15:12.960 --> 00:15:13.159 You know? 300 00:15:13.240 --> 00:15:15.840 I did know that. It is kind of neat in 301 00:15:15.840 --> 00:15:18.399 some sense. But here's a little guidance. You know, when 302 00:15:18.440 --> 00:15:21.639 we when we put something on a buy or a hold, 303 00:15:21.639 --> 00:15:23.960 we usually give a little bit of guidance with that. 304 00:15:24.120 --> 00:15:25.840 You know, for example, if we put something on a 305 00:15:25.879 --> 00:15:28.720 buy and it's a little bit aggressive or highly volatile, 306 00:15:28.799 --> 00:15:32.200 we'll tell people maybe it's worth stepping into a third 307 00:15:32.240 --> 00:15:35.200 at a time over the next few months or things 308 00:15:35.279 --> 00:15:38.080 like that. Well, there should be some guidance on giving too. 309 00:15:38.399 --> 00:15:44.240 When you give National National Nonprofit Day nonprofits are are 310 00:15:44.240 --> 00:15:47.840 are companies that cannot distribute their profits to the owners 311 00:15:47.879 --> 00:15:50.559 because there's really no owners. It's more of a board 312 00:15:50.600 --> 00:15:53.559 of trustees that run it. So the idea is that 313 00:15:53.600 --> 00:15:56.639 they're doing hopefully doing good with that money. But there's 314 00:15:56.679 --> 00:15:59.879 a lot of nonprofits that do not believe in Jesus Christ. 315 00:16:00.200 --> 00:16:04.240 There's a lot of nonprofits that are promoting actually anti God, 316 00:16:04.279 --> 00:16:08.759 anti family, anti America, anti everything, because they're anti type 317 00:16:08.759 --> 00:16:11.759 people and that started them. So we want to be 318 00:16:11.799 --> 00:16:15.320 careful because the majority there's just almost endless money going 319 00:16:15.360 --> 00:16:21.960 into nonprofits these days, secular nonprofits. But there's a limited 320 00:16:22.000 --> 00:16:25.320 amount of Christians who give, and even the Christians who 321 00:16:25.399 --> 00:16:30.240 give substantially, they give substantially less than they did years ago. 322 00:16:30.559 --> 00:16:32.679 So if you're going to give, if you're going to 323 00:16:32.759 --> 00:16:38.279 celebrate National Nonprofit Day, find an organization that's Christian based. First, 324 00:16:38.399 --> 00:16:43.320 support your church, your pastors, those who are who are 325 00:16:44.480 --> 00:16:47.759 teaching and who are taking care of the flock. Then 326 00:16:48.039 --> 00:16:51.519 look for other organizations that are doing great things that 327 00:16:51.600 --> 00:16:55.320 are Christian based. Because this is God's money to be 328 00:16:55.440 --> 00:17:01.320 utilized for God's purposes to his glory. So on Nonprofit Day, 329 00:17:01.720 --> 00:17:02.360 honor God. 330 00:17:03.480 --> 00:17:06.440 Amen, Brother, yeah, and if you're looking for good organizations 331 00:17:06.480 --> 00:17:08.799 folks as well, obviously, like Mark said, your local church 332 00:17:08.880 --> 00:17:11.720 that's at the top. Of course, we're a nonprofit Preborn 333 00:17:11.799 --> 00:17:16.000 Crossroads Kids Club, all different places for you to consider 334 00:17:16.039 --> 00:17:18.000 how God might use you to bless the church and 335 00:17:18.000 --> 00:17:20.599 bring the gospel into the world. Mark, it's a good 336 00:17:20.720 --> 00:17:23.440 reminder that there are a lot of nonprofits out there 337 00:17:23.440 --> 00:17:25.400 that are evil, and I think it's okay to say 338 00:17:25.440 --> 00:17:26.400 that there are a lot of I mean, I think 339 00:17:26.480 --> 00:17:30.720 Planned Parenthood qualifies as a nonprofit. It's a wretched evil organization. 340 00:17:30.880 --> 00:17:33.640 So it's one of those things where people are capitalizing 341 00:17:33.640 --> 00:17:35.680 on people's generosity to fund wickedness. 342 00:17:36.039 --> 00:17:38.519 It almost don't want to cry when you think about 343 00:17:38.559 --> 00:17:43.119 all the money going into organizations like Playing Parenthood or 344 00:17:43.480 --> 00:17:46.440 a lot of those other organizations we saw that got 345 00:17:46.519 --> 00:17:50.519 uncovered by this administration that was taking the money and 346 00:17:50.559 --> 00:17:53.799 not even doing the nonprofit work that they said they 347 00:17:53.839 --> 00:17:55.480 were going to do with it, which we would have 348 00:17:55.519 --> 00:17:58.079 been against to begin with, but just stealing the money. 349 00:17:58.359 --> 00:18:01.279 So be very careful. That's why I say, as Christians, 350 00:18:01.319 --> 00:18:05.440 let's support the Christian family first, Let's support the church first, 351 00:18:05.480 --> 00:18:09.440 Let's support the ministry, first, before we ever even consider 352 00:18:09.480 --> 00:18:13.960 of giving to an organization that maybe even maybe doing 353 00:18:14.119 --> 00:18:17.519 some good. But you know, like I remember the March 354 00:18:17.559 --> 00:18:21.759 of Dimes. It was a big issue for me. Almost 355 00:18:21.839 --> 00:18:26.319 every payroll service seemed to give people the opportunity to 356 00:18:26.319 --> 00:18:28.119 give to March of Dimes. And then when you saw 357 00:18:28.160 --> 00:18:31.759 the organizations this money was going into, it made you wretch. 358 00:18:31.839 --> 00:18:32.920 It was just terrible. 359 00:18:33.279 --> 00:18:37.799 Be careful, Hey man six' ten three six three eleven 360 00:18:37.920 --> 00:18:41.160 ten mark question here From, robert he's seventy two years, old, 361 00:18:41.559 --> 00:18:44.920 saying my wife AND i both have traditional iras with. 362 00:18:45.000 --> 00:18:48.039 Fidelity i'm seventy, two she's seventy. Three we are. Retired 363 00:18:48.440 --> 00:18:51.319 would it be beneficial for us to convert these traditional 364 00:18:51.359 --> 00:18:54.039 iras to roth? Irays do you, think. 365 00:18:55.240 --> 00:18:59.160 Well yes and. NO i think you want to be 366 00:18:59.240 --> 00:19:02.319 really careful because there's a lot of questions that need 367 00:19:02.400 --> 00:19:04.960 be answered with that as. WELL i think there's there's 368 00:19:05.599 --> 00:19:08.440 there are obvious reasons to do, it but you also 369 00:19:08.480 --> 00:19:10.359 got to be careful because there's THE r AND d. 370 00:19:10.599 --> 00:19:13.480 Rule it sounds like you're right there at, Rmds so 371 00:19:13.640 --> 00:19:15.759 remember you have to take your rm ds before you 372 00:19:15.799 --> 00:19:18.920 can do a. Conversion if you're if you're in the 373 00:19:19.000 --> 00:19:21.079 year where you're starting YOUR. Rds you got to do 374 00:19:21.119 --> 00:19:24.559 the RM d, first then you can do a conversion after. 375 00:19:24.599 --> 00:19:28.079 That so THAT rmd will cause you to have additional, 376 00:19:28.119 --> 00:19:31.279 income and then the conversion will give you additional income as. 377 00:19:31.319 --> 00:19:34.279 Well so you got to watch that the tax, brackets the, 378 00:19:34.319 --> 00:19:37.759 taxing those kind of. Things, now could it be? Good, 379 00:19:37.839 --> 00:19:40.400 sure you're after fifty nine and a, half so there's 380 00:19:40.440 --> 00:19:43.759 no ten percent penalty for taking out your. Principle but 381 00:19:43.839 --> 00:19:46.680 do remember every time you convert, something you have that 382 00:19:46.759 --> 00:19:50.119 five year period before you can start taking out any 383 00:19:50.279 --> 00:19:53.680 gains on the principle that you, converted so you have 384 00:19:53.799 --> 00:20:01.759 that as. WELL i think that You're, robert yours might 385 00:20:01.839 --> 00:20:05.920 be might be the better one to. Convert maybe you 386 00:20:06.000 --> 00:20:09.440 just start with that start converting years because you don't 387 00:20:09.440 --> 00:20:13.319 have an RM d. Yet so maybe you do your 388 00:20:13.359 --> 00:20:18.079 conversion this, year but obviously check and make sure you're 389 00:20:18.119 --> 00:20:21.000 not going to end up overpaying on taxes and, stuff 390 00:20:21.319 --> 00:20:23.680 and then maybe next year you look at both the 391 00:20:23.759 --> 00:20:26.559 years and see which one would be better to start. 392 00:20:26.599 --> 00:20:29.359 Converting remember there's no living on how much you can, 393 00:20:29.680 --> 00:20:33.319 convert but you want to be careful that you don't overpay. 394 00:20:33.440 --> 00:20:36.839 Taxes in, converting you don't run your income up to 395 00:20:36.880 --> 00:20:39.799 the point where you're paying top marginal tax bracket is 396 00:20:40.160 --> 00:20:42.839 more higher than you need it to be or want 397 00:20:42.880 --> 00:20:45.480 it to. Be so, YEAH i think there are benefits 398 00:20:45.519 --> 00:20:48.279 to it even at seventy, two because you could live 399 00:20:48.319 --> 00:20:51.759 another twenty thirty years these, days and it'd be good 400 00:20:51.759 --> 00:20:54.440 to have that money tax free to utilize for. 401 00:20:54.519 --> 00:20:57.759