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10 Divine Money Rules That Make Bankruptcy Impossible (Biblical Wealth) · Bible Ascent

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  Speaker 1: The world is witnessing the collapse of financial systems that
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  Speaker 1: seemed unshakable. In the first quarter of twenty twenty six,
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  Speaker 1: over forty major banks have closed permanently. Consumer debt in
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  Speaker 1: America has reached nine point seven trillion dollars. Bankruptcy filings
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  Speaker 1: are up sixty three percent. But in the Kingdom of God,
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  Speaker 1: there exists a set of rules that makes the word
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  Speaker 1: bankruptcy obsolete. If you are worried about your financial future,
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  Speaker 1: stop right now hit that subscribe button for Bible Ascent,
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  Speaker 1: because what you learn in the next few minutes could
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  Speaker 1: completely transform your relationship with money forever. This is not
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  Speaker 1: just financial advice. This is a divine blueprint that has
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  Speaker 1: protected God's people through every economic collapse in history. Today
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  Speaker 1: we are diving into ten golden rules that will help
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  Speaker 1: you build an impenetrable financial fortress on scripture. This is
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  Speaker 1: the roadmap to absolute financial security that the world can
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  Speaker 1: cannot touch. While others lose everything in chaos, you will
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  Speaker 1: stand firm on solid rock while banks close in corporations
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  Speaker 1: file bankruptcy, your household remains stable and thriving. Type impossible
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  Speaker 1: in the comments. If you believe lack has no authority
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  Speaker 1: over your life. Rule number one, the ownership shift. Everything changes.
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  Speaker 1: When you understand one truth, you own nothing. Psalm twenty four,
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  Speaker 1: verse one declares that the earth is the Lord's and
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  Speaker 1: everything in it. According to the American Psychological Association, seventy
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  Speaker 1: two percent of Americans feel stressed about money because they
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  Speaker 1: believe they must protect their resources with limited power. When
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  Speaker 1: you grasp that God owns everything and you are merely
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  Speaker 1: a steward, the pressure shifts. If you believe you own
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  Speaker 1: your money, house, and investments. Every market downturn feels like
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  Speaker 1: a personal attack, But when you make the own ownership shift,
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  Speaker 1: you transfer the burden of provision to the one who
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  Speaker 1: owns cattle on a thousand hills. John was a business
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  Speaker 1: owner who lost everything in two thousand and eight. In
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  Speaker 1: that moment, he said, God, I thought I owned this,
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  Speaker 1: I realize it was always yours. Within eighteen months, operating
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  Speaker 1: as a faithful steward, he rebuilt his business stronger than before. Today,
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  Speaker 1: it generates over three million dollars annually, the difference he
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  Speaker 1: stopped clutching and started stewarding. Stewards are held to a
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  Speaker 1: higher standard than owners, but they do not carry anxiety
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  Speaker 1: when you make this shift, your relationship with money transforms
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  Speaker 1: from grasping to open handed management. You can be generous
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  Speaker 1: without feeling threatened because you are giving what was never yours.
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  Speaker 1: You can weather storms without panic because the true owner
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  Speaker 1: cannot go bankrupt. Rule number two, the ten percent spiritual insurance.
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  Speaker 1: Malachi three, verse ten says, bring the whole tithe into
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  Speaker 1: the storehouse. Test me in this, says the Lord, and
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  Speaker 1: see if I will not throw open the floodgates of heaven.
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  Speaker 1: This is the only place God invites you to test him.
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  Speaker 1: The ten percent tithe is spiritual insurance. When you honor
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  Speaker 1: God with the first ten percent, you activate his promise
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  Speaker 1: to rebuke the devourer. Research by Generous Giving shows households
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  Speaker 1: that tithe consistently report forty three percent fewer unexpected financial
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  Speaker 1: emergencies than non tithing households with similar incomes. Think about
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  Speaker 1: what devours finances. Mechanical breakdowns costing two thousand to four
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  Speaker 1: thousand dollars, medical bills of five thousand to fifteen thousand dollars,
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  Speaker 1: bad investments, wiping out portfolios. God promises that when you
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  Speaker 1: tithe faithfully, he rebukes these devourers. Imagine you earn five
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  Speaker 1: thousand dollars monthly. Without tithing, you manage five thousand alone
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  Speaker 1: exposed to every devourer. With tithing, you invest five hundred
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  Speaker 1: in divine protection, and God guards your forty five hundred,
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  Speaker 1: which gives more security. God can do more with your
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  Speaker 1: ninety percent under blessing than you can with one hundred
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  Speaker 1: percent under limited ability. Sarah, a single mother earning forty
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  Speaker 1: two thousand dollars annually, was terrified to start tithing, but
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  Speaker 1: within six months she received an eight thousand dollars raise,
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  Speaker 1: her car kept running perfectly, and her children received full scholarships,
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  Speaker 1: saving twelve thousand dollars. Her testimony, I have more with
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  Speaker 1: ninety percent than I ever had with one hundred. Bankruptcy
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  Speaker 1: often begins with unexpected hits. The car breaks down, someone
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  Speaker 1: gets sick, the company downsizes, but the tither walks through
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  Speaker 1: storms with supernatural protection. When you a honor God with
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  Speaker 1: first fruits, he honors his word to protect the rest.
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  Speaker 1: Rule number three, the debt avoidance command Proverbs twenty two,
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  Speaker 1: verse seven says the borrower is slave to the lender.
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  Speaker 1: This is actual financial bondage. According to United States courts,
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  Speaker 1: seventy eight percent of bankruptcy filers cite overwhelming debt as
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  Speaker 1: their primary reason. The average American household carries one hundred
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  Speaker 1: forty five thousand dollars in total debt, credit cards, average
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  Speaker 1: six thousand, auto loans, thirty two thousand student loans, thirty
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  Speaker 1: eight thousand. Debt obligates your future income before you earn it.
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  Speaker 1: When income drops, you cannot reduce debt obligations at the
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  Speaker 1: same speed. This creates the perfect storm for collapse. The
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  Speaker 1: Biblical model is different. Live below your means, save for purchases,
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  Speaker 1: pay cash. When you have no debt payments, Your income
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  Speaker 1: is flexible. If you lose use your job, you can
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  Speaker 1: take lower pay temporarily without defaulting. If emergency arises, you
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  Speaker 1: have margin. If opportunity appears, you have resources. Michael and
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  Speaker 1: Jennifer from Colorado had sixty eight thousand dollars of consumer
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  Speaker 1: debt with one thousand, nine hundred dollars monthly in minimum payments.
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  Speaker 1: They sold one car, cut expenses, worked extra jobs. Twenty
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  Speaker 1: nine months later, they were debt free. Within three years,
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  Speaker 1: They saved fifty thousand dollars, purchased a rental property, and
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  Speaker 1: increased retirement contributions by four hundred percent. Jennifer says freedom
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  Speaker 1: is worth every sacrifice. Becoming debt free requires sacrifice. Drive
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  Speaker 1: an eight thousand dollars car instead of forty thousand, delay
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  Speaker 1: upgrading your house, cut cable, and dining out. But the
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  Speaker 1: piece of owing no one is worth everything. If you
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  Speaker 1: are in debt, list every debt smallest to largest. Attack
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  Speaker 1: the smallest with intensity. When it disappears, roll that payment
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  Speaker 1: into the next. You cannot be financially destroyed if you
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  Speaker 1: owe nothing. Rule number four. The ant strategy Proverbs six,
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  Speaker 1: verses six through eight says, go to the ant, you sluggard.
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  Speaker 1: Consider its ways. It stores provisions in summer and gathers
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  Speaker 1: food at harvest. The ant teaches us to always save
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  Speaker 1: during abundant seasons. According to Federal Reserve, sixty three percent
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  Speaker 1: of Americans could not cover a five hundred dollars emergency.
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  Speaker 1: Seventy eight percent live paycheck to paycheck. This is opposite
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  Speaker 1: of ant strategy. The ant does not eat everything it
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  Speaker 1: stores for future because seasons change. The ant strategy requires discipline.
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  Speaker 1: When income is strong, resist lifestyle inflation, keep living on
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  Speaker 1: less than you make. Build what I call a storm shelter.
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  Speaker 1: This money protects you from catastrophe. Start with one thousand dollars,
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  Speaker 1: then build to one month of expenses three thousand to
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  Speaker 1: five thousand dollars, then three months nine thousand to fifteen thousand,
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  Speaker 1: then six months eighteen thousand to thirty thousand, eventually a
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  Speaker 1: full year thirty six thousand to sixty thousand. David, a
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  Speaker 1: factory worker, started with zero savings at thirty two. He
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  Speaker 1: saved fifty dollars per paycheck after twelve months, one thousand,
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  Speaker 1: three hundred dollars. After five years eighteen thousand, then his
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  Speaker 1: factory laid him off. His eighteen thousand gave him six
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  Speaker 1: months to find employment without missing bills. He says the
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  Speaker 1: ant strategy saved his family from ruin. When you have reserves,
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  Speaker 1: car repairs do not create panic. Medical bills do not
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  Speaker 1: force debt. Job transitions do not threaten survival. You have
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  Speaker 1: breathing room. Start today, even ten dollars weekly becomes one thousand,
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  Speaker 1: forty dollars yearly. A fifty dollars weekly habit maintained ten
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  Speaker 1: years at three percent interest grows to over thirty thousand dollars.
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  Speaker 1: The ant does not gather in one day. It collects
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  Speaker 1: steadily consistently faithfully. Rule number five. The rule of seven
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  Speaker 1: to eight. Ecclesiastes eleven, Verse two says invest in seven ventures,
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  Speaker 1: yes in eight, you do not know what disaster may come.
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  Speaker 1: This is biblical diversification. Never put all eggs in one basket.
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  Speaker 1: According to McKinsey, average company life span on S and
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  Speaker 1: P five hundred decreased from sixty years in nineteen fifties
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  Speaker 1: to less than eighteen years. Today, technologies disrupt job categories overnight.
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  Speaker 1: In this environment, concentration equals vulnerability. What does this look like? First,
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  Speaker 1: multiple income streams prim job bringing sixty thousand dollars, freelance weekends,
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  Speaker 1: generating eight thousand rental income, producing twelve thousand online sales,
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  Speaker 1: earning six thousand, investment dividends totaling four thousand, five streams
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  Speaker 1: totaling ninety thousand. If you lose your primary job, you
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  Speaker 1: do not lose ninety percent of income. Second, diversify investments
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  Speaker 1: spread across stocks, bonds, real estate, precious metals, different industries
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  Speaker 1: and geographic regions. During twenty twenty two tech crash, concentrated
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  Speaker 1: investors lost forty to sixty percent. Diversified investors lost only
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  Speaker 1: fifteen to twenty percent third develop multiple skills. Robert was
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  Speaker 1: a graphic designer for fifteen years. When artificial intelligence started
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  Speaker 1: generating designs, his job security evaporated, but he had learned
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  Speaker 1: web development, video editing, and digital marketing. When his design
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  Speaker 1: role was eliminated, he pivoted to marketing director within three weeks.
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  Speaker 1: Solomon the Wisest Man advised this approach. You do not
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  Speaker 1: know what disaster may come, but you can prepare by
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  Speaker 1: spreading resources. People who thrive through upheaval are not lucky.
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  Speaker 1: They are diversified. Joseph saved grain for seven years of famine.
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  Speaker 1: Your seven ventures are your grain storage for whatever famines
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  Speaker 1: may come. Rule number six the Integrity Foundation Proverbs ten
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  Speaker 1: verse two warns that ill gotten treasures have no lasting value,
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  Speaker 1: but righteousness delivers from death. Money gained dishonestly will not last.
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  Speaker 1: You cannot build security on deception, fraud, or exploitation. Enron
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  Speaker 1: was worth ninety billion dollars built on fraud. It collapsed
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  Speaker 1: in months. Farrhnose was valued at nine billion, built on lies,
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  Speaker 1: it dissolved to zero. Bernie made off Manner sixty five billion,
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  Speaker 1: built on a Ponzi scheme. He died in prison, with
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  Speaker 1: investors getting nothing. The temptation is always there. Fudge numbers
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  Speaker 1: to avoid taxes, mislead customers, break promises when convenient. These
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  Speaker 1: shortcuts seem profitable, but you are building on sand. When
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  Speaker 1: storms come, structures built on deception collapse. Integrity means doing
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  Speaker 1: right even when it costs, keeping your word, even when
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  Speaker 1: breaking it would save five thousand dollars, paying full taxes,
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  Speaker 1: even when you could hide twenty thousand, telling truth to customers,
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  Speaker 1: even when the lie would close a fifty thousand dollars sale.
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  Speaker 1: Why is integrity essential? Because God becomes your defender when
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  Speaker 1: you operate with integrity. Psalm fifteen asks who may dwell
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  Speaker 1: in God's sanctuary? The answer includes the one who keeps
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  Speaker 1: an oath even when it hurts. Additionally, integrity builds trust.
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  Speaker 1: When people know you can be trusted, they want to
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  Speaker 1: do business with you. Your reputation becomes an asset more
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  Speaker 1: valuable than money. Lisa owned an accounting firm. A client
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  Speaker 1: asked her to help hide three hundred thousand dollars in income.
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  Speaker 1: She would have earned thirty thousand, but she refused and
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  Speaker 1: lost the client. Two years later, that client was indicted
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  Speaker 1: for tax fraud. Meanwhile, Lisa's reputation for integrity spread her
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  Speaker 1: business grew by four hundred percent. She says saying no
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  Speaker 1: to thirty thousand was the best decisions she ever made.
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  Speaker 1: Make integrity non negotiable and you eliminate a major pathway
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  Speaker 1: to bankruptcy. Rule number seven the contentment shield one Timothy six,
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  Speaker 1: Verse six says godliness with contentment is great gain. In
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  Speaker 1: a culture that constantly screams what you have is not enough,
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  Speaker 1: contentment is radical. According to Consumer Research, the average American
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  Speaker 1: sees four thousand tis ten thousand advertisements daily each design
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  Speaker 1: to create dissatisfaction. Contentment is internal satisfaction that frees you
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  Speaker 1: from desperate decisions driven by comparison, greed, or fear. Most
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  Speaker 1: disasters happen not because people have too little, but because
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  Speaker 1: they want too much too fast. According to Federal Trade Commission,
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  Speaker 1: Americans lose over forty billion dollars annually to fraudulent investment schemes.
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  Speaker 1: Why discontentment makes people vulnerable get rich quick schemes promising
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  Speaker 1: twenty percent monthly risky investments promising to double money in
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  Speaker 1: six months. Contentment protects you from comparison trap. You do
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  Speaker 1: not measure worth by what neighbors drive. You can drive
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  Speaker 1: a twelve thousand dollars used car without shame while your
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  Speaker 1: neighbor finances sixty thousand. Second, contentment protects from fraud when
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  Speaker 1: content with steady seven to ten percent growth annually, use
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  Speaker 1: spots schemes promising twenty five percent monthly. Third, contentment protects
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  Speaker 1: relationships financial stress is cited in forty one percent of divorces.
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  Speaker 1: Cultivate contentment through gratitude. Every morning, thank God for three
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  Speaker 1: specific things. Your health, your family, your shelter. Research shows
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  Speaker 1: people practicing daily gratitude report twenty three percent higher life satisfaction.
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  Speaker 1: Limit social media that fuels discontentment. Remember Jesus warned that
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  Speaker 1: life does not consist in abundance of possessions. James and
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  Speaker 1: Michelle calculated they could live on fifty five thousand annually.
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  Speaker 1: When James got promoted to ninety five thousand, they kept
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  Speaker 1: living on fifty five and invested forty thousand differents. Ten
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  Speaker 1: years later, they have four hundred eighty thousand in investments,
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  Speaker 1: own their home free, and have freedom to quit jobs
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  Speaker 1: any time. Contentment gave them options. High earning but high
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  Speaker 1: spending friends will never have Rule number eight the diligence multiplier.
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  Speaker 1: Proverbs twenty two verse twenty nine asks, do you see
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  Speaker 1: someone skilled in their work? They will serve before kings.
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  Speaker 1: Excellence creates security. When you become genuinely skilled, you become valuable.
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  Speaker 1: Valuable people find provision even in terrible economies. During two
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  Speaker 1: thousand and eight recession, workers in top twenty percent of
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  Speaker 1: performance maintain ninety seven percent employment. During twenty twenty pandemic,
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  Speaker 1: highly skilled workers were re hired seventy three percent faster.
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  Speaker 1: Excellence is recession proof. Diligence is working with purpose, focus
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  Speaker 1: and continuous improvement. It is refusing to settle for mediocrity.
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  Speaker 1: Why does it multiply security? Skilled people are always in demand.
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  Speaker 1: Companies eliminate average performers, but fight to keep excellent ones.
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  Speaker 1: H or two plumbers. One shows up on time, fixes problems, correctly,
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  Speaker 1: cleans up, constantly, learns. He charges ninety five dollars per hour.
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  Speaker 1: The other shows up late, sometimes returns, leaves messes. He
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  Speaker 1: charges sixty five. Competing on price, the excellent plumber has
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  Speaker 1: six month waiting list, earning one hundred eighty thousand annually.
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  Speaker 1: The mediocre struggles, earning fifty two thousand. Excellence multiplies income
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  Speaker 1: by three hundred percent. How develop diligence. First, work as
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  Speaker 1: unto the Lord. Colossians three point twenty three says, work
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  Speaker 1: with all your heart for the Lord, not human masters. Second,
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  Speaker 1: invest in skills. Take courses costing five hundred to two
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  Speaker 1: thousand dollars, read books fifty dollars monthly. Find mentors. Third,
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  Speaker 1: take ownership of outcomes, deliver results, solve problems, add value.
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  Speaker 1: Marcus worked in information technology. While coworkers did minimum Marcus
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  Speaker 1: obsessed over preventing problems. He documented solutions, created training, automated tasks.
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  Speaker 1: When layoffs came, every other person was let go. Marcus
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  Speaker 1: kept his job plus forty percent raise and promotion because
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  Speaker 1: he was indispensable. Your earning potential is not capped by circumstances.
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  Speaker 1: Even in recession. Excellent people earn well. Make excellence your standard.
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  Speaker 1: Rule number nine. The generosity paradox Proverbs eleven, verse twenty
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  Speaker 1: four says one person gives freely yet gains more. Another
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  Speaker 1: withholds unduly but comes to poverty. The way to increase
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  Speaker 1: security is not to hoard, but give. Journal of Positive
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  Speaker 1: Psychology found people who give regularly report twenty eight percent
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  Speaker 1: higher life satisfaction and twenty three percent lower financial anxiety.
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  Speaker 1: Another study tracking five thousand households over twenty years found
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  Speaker 1: those giving ten percent or more experienced thirty four percent
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  Speaker 1: higher net worth growth. Luke six thirty eight promises when
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  Speaker 1: you give, it will be given to you A good
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  Speaker 1: measure pressed down, running over. Why does generosity lead to increase? First,
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  Speaker 1: God honors those reflecting his character. God is the ultimate giver. Second,
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  Speaker 1: generosity create circulation. Money is meant to flow. A closed
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  Speaker 1: hand can neither give nor receive. Third, generosity builds relationships
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  Speaker 1: and goodwill. Tom and Rebecca from Arizona decided on radical generosity.
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  Speaker 1: On seventy eight thousand income, they gave away twenty two
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  Speaker 1: thousand annually twenty eight percent. Friends thought they were crazy.
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  Speaker 1: Over fifteen years, despite giving away three hundred thirty thousand,
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  Speaker 1: they accumulated eight hundred forty thousand net worth. They received
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  Speaker 1: unexpected bonuses. Over one hundred thousand were given cars twice,
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  Speaker 1: children received scholarships worth one hundred sixty thousand. Give tithes,
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  Speaker 1: faithfully support worthy causes, generously, help those in need, practically
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  Speaker 1: bless others sacrificially. You cannot outgive God Jaun D. Rockefeller tithed.
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  Speaker 1: From his first paycheck of three dollars fifty cents, he
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  Speaker 1: gave thirty five cents. As income grew to millions, he
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  Speaker 1: continued giving half. He became richest person, with wealth equivalent
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  Speaker 1: to four hundred billion today. Near end of life, he
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  Speaker 1: said giving was secret to his success. Practice generosity and
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  Speaker 1: make bankruptcy impossible by connecting to an infinite source. Rule
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  Speaker 1: number ten divine wisdom. First Proverbs four verse seven declares
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  Speaker 1: get with wisdom, though it cost all you have. Get
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  Speaker 1: understanding before you invest in stocks, property, or business. Invest
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  Speaker 1: in wisdom, understanding God's word and financial principles aligning with scripture.
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  Speaker 1: Georgetown University research shows investing in education provides ten to
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  Speaker 1: fifteen percent returns annually, but investing in wisdom provides unmeasurable returns.
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  Speaker 1: Wisdom is the only asset that cannot be stolen, taxed, inflated, away,
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  Speaker 1: or destroyed. It is portable, permanent, productive. With wisdom, you
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  Speaker 1: can lose everything and rebuild. After World War II, Germany
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  Speaker 1: and Japan were devastated. Within twenty five years, they became
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  Speaker 1: economic powerhouses. Why knowledge and wisdom remained. Without wisdom, you
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  Speaker 1: can gain everything and lose it all. Seventy percent of
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  Speaker 1: lottery winners file bankruptcy within five years. Divine wisdom teaches
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  Speaker 1: you money is a tool, not master. It teaches decisions
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  Speaker 1: based on principles, not emotions. It teaches thinking long term,
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  Speaker 1: valuing people over profits, recognizing opportunities, and avoiding traps. How
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  Speaker 1: acquire wisdom? First, consistent scripture study. The Bible contains more
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  Speaker 1: financial wisdom than economics textbooks. Proverbs has over one hundred
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  Speaker 1: verses about money. Spend fifteen minutes daily in financial scriptures. Second,
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  Speaker 1: learn from those successfully applying biblical principles. Find mentors. Read
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  Speaker 1: biographies of George Mueller, John Wesley. Third, through experience and reflection,
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  Speaker 1: Try things, make mistakes, learn adjust. Kevin was a surgeon
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  Speaker 1: earning two hundred fifty thousand annually, but he had no wisdom.
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  Speaker 1: He spent everything, accumulated debt, made bad investments, faced bankruptcy
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  Speaker 1: despite massive income. Then he studied biblical principles for one
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  Speaker 1: year before making changes. Once wisdom took root, everything shifted.
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  Speaker 1: Within five years, he eliminated four hundred thousand in debt,
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  Speaker 1: built one million in investments. He says the year gaining wisdom,
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  Speaker 1: was worth more than all medical training. When you prioritize wisdom,
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  Speaker 1: every other rule becomes easier. Wisdom helps you make ownership shift,
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  Speaker 1: motivates tithing, keeps you from debt, prompts saving, guide's diversification
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  Speaker 1: keeps you in. Integrity cultivates contentment, drives excellence, makes you generous.
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  Speaker 1: Wisdom is the foundation supporting all other rules. These ten
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  Speaker 1: rules are divine architecture for a financial life that cannot
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  Speaker 1: be destroyed. When you implement these principles, you are building
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  Speaker 1: on the rock. Jesus spoke about the International Monetary Fund
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  Speaker 1: predicts continued volatility through twenty thirty with two more major recessions.
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  Speaker 1: Projected markets will crash, industries will collapse, but you will
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  Speaker 1: remain unmoved. Bankruptcy is for those who build on sand.
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  Speaker 1: But you are different. You know the rules, the ownership shift,
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  Speaker 1: the ten percent insurance, debt avoidance, ant strategy seven and eight,
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  Speaker 1: integrity foundation, contentment, shield, diligence, multiplier, generosity, paradox, divine wisdom. First, right, now,
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  Speaker 1: choose one rule to implement immediately. Maybe Rule two, and
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  Speaker 1: you will write your first tithe check Sunday. Maybe Rule three,
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  Speaker 1: creating your debt elimination plan tonight. Maybe Rule four opening
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  Speaker 1: savings and depositing fifty dollars tomorrow. Maybe Rule nine. Identifying
• 25:00
  Speaker 1: someone to bless this week. Go to comments and type
• 25:04
  Speaker 1: one number the rule you are committing to start today.
• 25:08
  Speaker 1: Public declaration activates accountability. If you believe these ten rules
• 25:13
  Speaker 1: can make bankruptcy impossible, type impossible, speak it, declare it,
• 25:19
  Speaker 1: claim it. If you have not subscribed to Bible Assent,
• 25:22
  Speaker 1: hit that button now. Every week we release content helping
• 25:26
  Speaker 1: you apply biblical truth. We are building a community refusing
• 25:30
  Speaker 1: to live by broken systems. We are ascending toward abundant life.
• 25:34
  Speaker 1: Jesus promised. This is your moment. You can continue living
• 25:39
  Speaker 1: in fear or start building an unshakable foundation. The rain
• 25:44
  Speaker 1: is coming, Streams will rise, winds will blow. Jesus guaranteed it.
• 25:50
  Speaker 1: The only question is what foundation you are building on?
• 25:54
  Speaker 1: Sand that shifts or rock that stands forever. Type your number,
• 25:59
  Speaker 1: make your declaration. Subscribe to Bible Ascent. Bankruptcy is impossible
• 26:05
  Speaker 1: when you build on divine principles, not because bad things
• 26:09
  Speaker 1: will never happen, but because when they do, you will
• 26:13
  Speaker 1: stand firm. Your foundation cannot be moved. Your source cannot
• 26:17
  Speaker 1: be dried up. Your God cannot be defeated. This is
• 26:21
  Speaker 1: Bible assent, This is your ascent. Let us rise,