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Andy Stanley - If Money Talked Part 2 Masters or Masters · Andy Stanley Sermons

0:12
Speaker 1: Uh huh uh huh. And then what he said, Oh man,
0:16
Speaker 1: this is wild. That takes the cake right there. Oh,
0:22
Speaker 1: I gotta go.
0:23
Speaker 2: This is money.
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Speaker 1: What's your emergency? A fraud alert? Okay, where was the
0:28
Speaker 1: money spent? Albuqarque? Yeah no, that's your sister's wedding gift
0:33
Speaker 1: that you got her. Christ is a verdant and never
0:35
Speaker 1: gets old in the land of money. Good morning, I
0:38
Speaker 1: have money. Good morning, you've reached money.
0:40
Speaker 2: Hello this money?
0:41
Speaker 1: Oh No, I'm not all money. I'm just your money.
0:45
Speaker 2: No, I'm not God. I mean some people think that
0:47
Speaker 2: I'm God.
0:48
Speaker 1: Kind of awkward by Karen.
0:50
Speaker 2: Karen, what's wrong?
0:51
Speaker 1: No, that's not the I r S. Karen. Do not
0:53
Speaker 1: give them any information. Nope, You're not going to jail, Karen.
0:57
Speaker 1: Don't give your social to anyone over the phone. Okay
1:00
Speaker 1: unless it's me, JK. I already know what it is. Hey, Betsy,
1:03
Speaker 1: this is Monny calling. Yeah. Yeah, well, I just figured
1:06
Speaker 1: I call and check in. It's been three hundred and
1:07
Speaker 1: six to two days since I heard from you. We
1:09
Speaker 1: realize that things got complicated during tax season, but I
1:12
Speaker 1: just want to make sure that we're still on good terms.
1:14
Speaker 2: Hello.
1:15
Speaker 1: Yes, I'm calling for Jim. This is money, Jim. I
1:20
Speaker 1: know that's you. You just said this is Jim and
1:21
Speaker 1: then you say Jim's not here.
1:24
Speaker 2: Hello.
1:25
Speaker 1: Hey, Karen, how many different streaming content services do you
1:29
Speaker 1: subscribe to?
1:30
Speaker 2: No, that's great.
1:30
Speaker 1: I'm not saying you should feel guilty. I know that
1:32
Speaker 1: cable is very expensive, but if you subscribe to every
1:36
Speaker 1: single streaming service, it will actually be more expensive because
1:41
Speaker 1: you're buying all of the content that exists. Karen, Hey, Becka, listen,
1:47
Speaker 1: We're gonna have to cut back a little bit. There's
1:49
Speaker 1: only so much self care that we can afford. Nails, yoga,
1:52
Speaker 1: spa treatments, gym membership, hot air balloons, exfoliation via avocado toast.
2:00
Speaker 2: Cricket?
2:01
Speaker 1: Do we need cricket season tickets?
2:04
Speaker 2: Balance check?
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Speaker 1: You bet you? I'm your money. Wow, I've never seen that.
2:15
Speaker 1: Do you really not know how much you have in there? Okay?
2:19
Speaker 2: Okay, we're doing a game.
2:21
Speaker 1: You tell me how much you think you have. Okay, yes,
2:23
Speaker 1: go ahead, Hia Hiah, Nope, you've got the ticket. Hi, Yes,
2:30
Speaker 1: that's correct.
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Speaker 2: Name.
2:32
Speaker 1: No, this is a great problem to have, Okay, because
2:35
Speaker 1: now that you know.
2:36
Speaker 2: There are places we can go, what I am writing
2:39
Speaker 2: that down.
2:40
Speaker 1: Whoa the adrenaline and never gets old, never gets hold,
2:43
Speaker 1: I'm alive.
2:47
Speaker 3: Welcome back to session two of If Money Talk. We're
2:50
Speaker 3: asking the question what would money say if money could talk?
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Speaker 3: And we've discovered that what money would say actually matches
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Speaker 3: what Jesus did say when he did talk about money.
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Speaker 2: Now, if you remember and said one, I ask.
3:00
Speaker 3: You, what would you do or what do you do
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Speaker 3: with your spare money, your extra money? And then I
3:05
Speaker 3: went about proving to you that you actually have spare money,
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Speaker 3: or you had it anyway, because all of our money
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Speaker 3: is accounted for, right we either spend it or were
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Speaker 3: about to spend it, or we're paying off what we
3:15
Speaker 3: spent it on a long time ago, or maybe we're
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Speaker 3: saving it for a vacation or a rainy day or retirement.
3:21
Speaker 3: And I used a word to describe this destructive cycle,
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Speaker 3: and the word was, well, you'll remember greed. Greed, as
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Speaker 3: we discovered, is the assumption that everything that comes our
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Speaker 3: way is for our consumption, that every single dollar that
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Speaker 3: comes my way it's meant for me, every dollar that
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Speaker 3: comes your way it's meant for you. It's meant to
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Speaker 3: spend now or it's meant to save for later, so
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Speaker 3: you can spend it later.
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Speaker 2: But either way, it's for you, it's for me now.
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Speaker 3: Of course, Jesus disagreed with this whole idea. In fact,
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Speaker 3: he told us, and he did mince words, that life
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Speaker 3: does not consist, life does not consist in an abundance
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Speaker 3: of possessions. In other words, life is not about stuff.
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Speaker 3: Life is not about what you have. Life is not
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Speaker 3: a race for new or nicer, upgraded, renovated. Life is
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Speaker 3: so much more than that. And you know that.
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Speaker 2: And your money, Jesus said, is just a tool.
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Speaker 3: In fact, if money could talk, it would remind us
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Speaker 3: I can add meaning to your life, but I am
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Speaker 3: not the meaning of your life. Now, this week, we're
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Speaker 3: going to discuss a second thing. Our money might tell us.
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Speaker 3: If our money could actually talk, and if our money
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Speaker 3: could actually talk, it might tell us this, the moment
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Speaker 3: you think you own me, I actually own you.
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Speaker 2: The moment you think you own me, I actually own you.
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Speaker 3: Now, to illustrate this, I want us to look at
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Speaker 3: the way the typical American handles their finances. And this
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Speaker 3: is going to be a little bit disturbing. Here's a graph.
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Speaker 3: We can't talk about finances without using the graph. Right,
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Speaker 3: So here you go the why axis, the Y axis
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Speaker 3: is actually your money, and the X axis.
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Speaker 2: Is actually your time, your lifetime.
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Speaker 3: Now, hopefully in your lifetime your income will look something
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Speaker 3: like this, and for many of us, our spending will
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Speaker 3: look something well, it'll look something like this. The truth is,
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Speaker 3: most of us allow our income to actually match or
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Speaker 3: drive our spending. In other words, if you make forty
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Speaker 3: five thousand dollars a year, you're going to spend forty
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Speaker 3: five thousand dollars a year. If you make fifty five
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Speaker 3: thousand dollars a year, spend it one hundred thousand dollars
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Speaker 3: a year. Spend it two hundred thousand dollars a year.
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Speaker 3: Spend it two hundred and fifty thousand dollars a year,
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Speaker 3: to which you may respond, not me, If I made
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Speaker 3: two hundred thousand dollars a year, I would save a
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Speaker 3: lot of it.
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Speaker 2: Maybe, but probably not.
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Speaker 3: I say probably not, because your current habit would follow
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Speaker 3: you right up the pay scale. And that's not the
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Speaker 3: only thing that would follow you. Financial pressure would follow
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Speaker 3: you as well, which will come as a shock because
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Speaker 3: you think, if I made that much money, how could
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Speaker 3: I possibly have any financial pressure, well, you'd be surprised
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Speaker 3: people who make that much money. But if spend it all,
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Speaker 3: you know, car payments, big mortgage, second mortgage, they feel
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Speaker 3: extraordinary financial pressure. For some of you, this is your story, right,
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Speaker 3: You are making more money than you've ever made, and
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Speaker 3: you feel as much financial pressure or more as you've
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Speaker 3: ever felt.
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Speaker 2: In fact, it's worse, right.
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Speaker 3: Because you see, if you lose a fifty five thousand
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Speaker 3: dollars a year job, you can go find one of those.
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Speaker 2: You lose a two.
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Speaker 3: Hundred and fifty thousand dollars a year job, or maybe
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Speaker 3: a four hundred thousand dollars a year job, you know,
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Speaker 3: good luck, right, those jobs are few and far between.
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Speaker 3: The more money people make, if they're spending follows their income,
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Speaker 3: the more pressure they actually feel. Now, for some of us,
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Speaker 3: the graph actually looks more like this, right, our spending
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Speaker 3: actually exceeds our income. In fact, sometimes it's because income drops,
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Speaker 3: maybe you were laid off, or you decided to leave
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Speaker 3: your job or change careers. But often it's because we
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Speaker 3: spend and borrow until we're upside down. And the next thing,
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Speaker 3: you know, you don't just have a money problem, you
6:53
Speaker 3: have well you have all kinds of problems. You have
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Speaker 3: a marriage problem. Every conversation is about money, right, how
6:58
Speaker 3: could you? Or why did you didn't we already or
7:01
Speaker 3: didn't we talk about that? Lots of folks with lots
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Speaker 3: of stuff have lots of financial pressure. You see, when
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Speaker 3: your life is like this, you actually become a slave.
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Speaker 3: You have purchased or borrowed your way into slavery. Visa
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Speaker 3: American Express, a student loan.
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Speaker 2: They're actually your master. Now.
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Speaker 3: They don't want to be your master. That's not why
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Speaker 3: they're in business. They're in business to facilitate your happiness,
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Speaker 3: to make things easier for you, to help you get
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Speaker 3: through school or.
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Speaker 2: Maybe own a home.
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Speaker 3: But when your personal finances look like this, they become
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Speaker 3: your masters.
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Speaker 2: And you know what, you hate them.
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Speaker 3: Worse, you don't even know who them is to hate,
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Speaker 3: and they don't know who you are either. You know what,
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Speaker 3: You're just an account number. If you don't believe me,
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Speaker 3: call them, tell them your name. And what's the next
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Speaker 3: question they ask? What's your account number? You're a number,
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Speaker 3: not a name. And worse, you're a slave. You can't
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Speaker 3: buy this, you can't drive that, you can't vacation here,
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Speaker 3: your kids can't go to school.
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Speaker 2: They're right.
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Speaker 3: I mean, who's running your life? People that you don't
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Speaker 3: even know. Companies you don't even work for, the mortgage company,
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Speaker 3: the credit union. You're a slave to a group of
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Speaker 3: people you don't even know. And worst of all, you
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Speaker 3: did this to yourself. It's why money would say, if
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Speaker 3: our money could talk, It's why our money would warn us.
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Speaker 3: The moment you think you own me, the moment you
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Speaker 3: think you get to do whatever you want to with me,
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Speaker 3: I actually I actually own you now. Luckily Jesus addresses this,
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Speaker 3: and spoiler alert, according to Jesus, we don't actually own
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Speaker 3: our money. It's not actually ours, but we think it is,
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Speaker 3: and of course we do.
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Speaker 2: I mean, why wouldn't we think about the words we use.
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Speaker 3: You earned it, you made it, you put in the hours,
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Speaker 3: your name is on the paycheck, it was deposited into
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Speaker 3: your account. So of course we think we own this stuff,
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Speaker 3: to which our money and our stuff might reply, Hey,
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Speaker 3: but I'll still be here when you're gone. This is
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Speaker 3: how we know we're not owners. We leave it all behind.
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Speaker 3: We don't own it. We manage it, and we only
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Speaker 3: manage it for a little while, which begs the question,
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Speaker 3: manage it for who? And Jesus answered that question for
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Speaker 3: us in a parable. Now it's a parable that you
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Speaker 3: might have heard before, and so try it to allow
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Speaker 3: your mind to rush to the end.
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Speaker 2: But here's a.
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Speaker 3: Parable Jesus taught that really lays the foundation for where
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Speaker 3: we're going in this session. Here's what he said. He
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Speaker 3: said again, it will be like a man going on
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Speaker 3: a journey who called his servants and he entrusted his
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Speaker 3: wealth to them. Now, in a parable, there's always a
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Speaker 3: God figure, and then there's always an Us figure. Somebody
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Speaker 3: in the parable represents the folks in Jesus audience, and
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Speaker 3: somebody in the parable represents God the Father. And if
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Speaker 3: you read this parable, if you read the whole parable
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Speaker 3: in context, it becomes very clear that the wealthy man,
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Speaker 3: the one who's going on a journey and and trust
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Speaker 3: his wealth to his servants, he represents God and the
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Speaker 3: servants to whom the wealth is entrusted. Well, that's me
9:57
Speaker 3: and that's you, he continues, and again, it will be
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Speaker 3: like a man who goes on a journey who calls
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Speaker 3: his servants to him, and he entrusted his wealth to them. Now,
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Speaker 3: notice he doesn't give them his wealth. This wasn't alone.
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Speaker 3: He just let them manage his money for him for.
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Speaker 2: A little while while he was gone.
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Speaker 3: And what percentage of the money did the servants own, well,
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Speaker 3: zero percent. What percentage did the Master own?
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Speaker 2: All of it? It was all his.
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Speaker 3: And this is important. In fact, this is actually the
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Speaker 3: point of the parable. Jesus continues to one, he gave
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Speaker 3: you may remember this, five bags of gold. To another
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Speaker 3: he gave two bags of gold, and to another he
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Speaker 3: gave one bag each according to his ability. And then
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Speaker 3: he the Master left to go on his journey. So essentially,
10:44
Speaker 3: the Master gets his guys together. He hands each of
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Speaker 3: them a portion of his wealth, and he says, while
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Speaker 3: I'm gone, I expect you to do with my wealth
10:52
Speaker 3: what I would do with my wealth. I want you
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Speaker 3: to manage it the way you think I would manage it.
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Speaker 3: And when I return, you'll have an opportunity to report
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Speaker 3: on how you did. Now, if you know this parable,
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Speaker 3: you know what happens next. When he returns, he discovers
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Speaker 3: that they all didn't manage his money the same way. Right,
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Speaker 3: Two of these three guys they did really well. In fact,
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Speaker 3: they doubled their Master's money. One of them doesn't.
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Speaker 2: Do quite so well. He buries it.
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Speaker 3: Jesus continues, after a long time, After a long time,
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Speaker 3: the master of those servants returned and he settled accounts
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Speaker 3: with them. And this is where the point of the
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Speaker 3: parable becomes oh so clear. The servants didn't get to
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Speaker 3: keep the money they'd been managing. They didn't get to
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Speaker 3: keep the extra money they'd made on their master's money.
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Speaker 2: It all went back to the master.
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Speaker 3: Why because one hundred percent of it belonged to the
11:43
Speaker 3: master and zero percent belonged to the servants. They were managers,
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Speaker 3: they weren't owners. And when we read this parable, there's
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Speaker 3: a tendency to get all caught up in the unfairness.
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Speaker 3: I mean, one guy got five, another guy got two,
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Speaker 3: one only had one.
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Speaker 2: In fact, some of you were kind of stuck there
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Speaker 2: right now.
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Speaker 3: You look around the world, you look around your community,
12:02
Speaker 3: you look at your friends, and you think it's just
12:04
Speaker 3: not fair. I worked just as hard as he does,
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Speaker 3: I worked just as hard as she does. His salaries
12:09
Speaker 3: twice as big as mine. I mean, if I had
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Speaker 3: that much money, if I had that opportunity. But Jesus says, no,
12:14
Speaker 3: that's not the point. The point of this parable is
12:16
Speaker 3: simply this. It's not the amount of money that each
12:19
Speaker 3: of these servants was asked to manage that was outside
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Speaker 3: of their control. The issue wasn't how much they managed,
12:25
Speaker 3: it's what they did with what they were asked to manage.
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Speaker 2: Now, think about this.
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Speaker 3: If you sat down with your financial planner or with
12:32
Speaker 3: a financial planner who was managing your money, and you
12:35
Speaker 3: asked to see where your financial planner had invested your money,
12:39
Speaker 3: and he or she said, well, you.
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Speaker 2: Know, I'm not really that organized and I.
12:42
Speaker 3: Don't really keep track of all those details. But it
12:45
Speaker 3: seems to me, Well, as soon as a financial planner says,
12:49
Speaker 3: it seems to me, it's time to find the new
12:52
Speaker 3: financial planner, right, because when you manage someone else's money,
12:55
Speaker 3: you are responsible and you are accountable, responsible, and accountable.
13:01
Speaker 2: How about you?
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Speaker 3: Do you feel responsible and accountable for how you are
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Speaker 3: managing God's wealth, the wealth that he has entrusted to you,
13:09
Speaker 3: or are you the kind of financial planner that God
13:12
Speaker 3: would have to fire? I mean, could you give an
13:14
Speaker 3: account of where your money's going, where it's gone or
13:18
Speaker 3: is it just gone? If all of this it seems
13:20
Speaker 3: a bit overwhelming, No worries We've got a couple more
13:23
Speaker 3: weeks to talk about it, and this week we're going
13:25
Speaker 3: to do something super specific to help you focus on
13:27
Speaker 3: this principle. We're going to spy on our money together.
13:31
Speaker 3: That's right, we are all going to spy on our money,
13:33
Speaker 3: and we're not going to establish a budget. We're just
13:35
Speaker 3: going to keep track of where we typically send it
13:38
Speaker 3: and spend it. In your workbook. There's actually a tool
13:42
Speaker 3: to help you do that all week long. Now, you
13:44
Speaker 3: may be thinking to yourself, or perhaps you even leaned
13:47
Speaker 3: over and whispered to the person next to you.
13:48
Speaker 2: You know, there's an app for that.
13:49
Speaker 3: I don't need to use something in the workbook, and
13:51
Speaker 3: there is, In fact, there are several apps for that,
13:53
Speaker 3: and feel free to download one of those and use
13:55
Speaker 3: it this week. But you may be thinking something else.
13:58
Speaker 3: You may be thinking, Andy, I don't need to do this.
14:00
Speaker 3: All of this shows up on my MX bill. I
14:02
Speaker 3: don't need to track it. It basically tracks itself. But
14:06
Speaker 3: that's not the point of this week's exercise. Knowing you
14:10
Speaker 3: can know is not the same as knowing right. The
14:12
Speaker 3: fact that you have access to how much you've spent
14:14
Speaker 3: in different areas is different than sitting down and looking
14:18
Speaker 3: categorically at how much you've spent and where you spent it.
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Speaker 3: So this week, I want you to look. I want
14:24
Speaker 3: you to keep track. I want you to spy on
14:26
Speaker 3: your money, because when it comes to money, we should
14:29
Speaker 3: never find ourselves saying, well, well it seems to me,
14:33
Speaker 3: or I'm not really sure, it seems like last time.
14:36
Speaker 3: I mean, let's face it. A certain amount comes in
14:39
Speaker 3: and then we send it places. Right, a certain amount
14:41
Speaker 3: comes in and then you or you and your husband,
14:43
Speaker 3: you and your wife, you decide where it goes. So
14:46
Speaker 3: when it comes to money, there should be no mystery.
14:49
Speaker 3: There's mystery when it comes to love and romance. There's
14:52
Speaker 3: mystery when it comes to kids. In fact, there's a
14:54
Speaker 3: lot of mystery when they become middle schoolers and high schoolers.
14:56
Speaker 3: But when it comes to knowing where your money went,
14:59
Speaker 3: there should be no mystery. And this is true whether
15:02
Speaker 3: you have a little or a lot. Remember the parable
15:05
Speaker 3: how much money each servant was managing was irrelevant.
15:08
Speaker 2: What mattered was what they did with what they were.
15:11
Speaker 3: Asked to manage. Jesus could not have been clearer. The
15:14
Speaker 3: reason you should keep track of where your money is
15:17
Speaker 3: going is that it's not your money. You're a manager,
15:21
Speaker 3: not an owner, so you should be knowing where all
15:24
Speaker 3: your master's money is going