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Andy Stanley - If Money Talked Part 1 The Consumption Assumption · Andy Stanley Sermons

• 0:13
  Speaker 1: Thank you for calling money. I'm here to give you
• 0:14
  Speaker 1: financial advice to make your life better and you better
• 0:17
  Speaker 1: at life. This is money.
• 0:18
  Speaker 2: How can I help you?
• 0:19
  Speaker 1: Karen? What get out of here?
• 0:22
  Speaker 3: Karen?
• 0:23
  Speaker 1: We have not talked since your piggy bang days.
• 0:25
  Speaker 2: How are you hello? This is money.
• 0:27
  Speaker 1: It's a great day to be green. Yes, the environment
• 0:30
  Speaker 1: is important to I was referring to a green the
• 0:32
  Speaker 1: color of my shirt which you cannot see, and the
• 0:35
  Speaker 1: fact that I am the embodiment of money. I should
• 0:38
  Speaker 1: get better slogan absolute loutely Kevin. I can tell your
• 0:41
  Speaker 1: net worth right now. It's nothing. Yeah, no, like zero
• 0:48
  Speaker 1: point zero zero. But listen, hey, even though you're technically
• 0:52
  Speaker 1: worth nothing in like, you know, dollars and cents, did
• 0:55
  Speaker 1: I ever tell you how much our friendship means to me?
• 0:58
  Speaker 2: It is this much?
• 1:00
  Speaker 3: I don't know, Karen.
• 1:00
  Speaker 1: At the end of the day, what's the real difference
• 1:02
  Speaker 1: between the ten and the eleven pro x? WHOA three lenses?
• 1:07
  Speaker 1: We just have to tool around with your financial plan,
• 1:10
  Speaker 1: but we can get it all right. Yeah, your security
• 1:13
  Speaker 1: code is six one six. Oh you just bought it
• 1:15
  Speaker 1: just now, that's quick.
• 1:16
  Speaker 3: Okay, Well, can we talk about your new plan Karen, Karen, Hello,
• 1:21
  Speaker 3: it's weird as if you like hung up the moment
• 1:23
  Speaker 3: I said plan, you spent seventy two dollars and thirty
• 1:26
  Speaker 3: four cents.
• 1:27
  Speaker 1: Can I just say, that's a lot of mcflurries for
• 1:29
  Speaker 1: any one person, you know. Listen, Sonya, I know we've
• 1:33
  Speaker 1: been on the rocks, but I don't want to give
• 1:34
  Speaker 1: up on this, Okay. I'm just asking that you check
• 1:37
  Speaker 1: up on me every now and again. If you don't
• 1:39
  Speaker 1: talk to me, I can't help you. Le Odd Hey,
• 1:42
  Speaker 1: oh my gosh, that's a lovely boat man, a power
• 1:44
  Speaker 1: boat for a power man, and that is you, buddy. Yeah,
• 1:48
  Speaker 1: uh huh, you want to buy it?
• 1:49
  Speaker 2: Ah, that's a good joke. Oh you're serious.
• 1:54
  Speaker 1: Okay, Well, if we do want to go ahead with it,
• 1:56
  Speaker 1: we're gonna have to make some changes, so that probably
• 1:59
  Speaker 1: means no more food.
• 2:00
  Speaker 2: Shelter or water. M hm.
• 2:03
  Speaker 1: Yeah, No, you're right. It's a gorgeous boat, just like you.
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  Speaker 2: Okay, all right, Well, I'll talk to you later. He
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  Speaker 2: bought that boat.
• 2:14
  Speaker 1: Look, it's your money at the end of the day.
• 2:15
  Speaker 1: But I'm just trying to give you advice to help
• 2:17
  Speaker 1: your Washington's become Lincoln's you feel me, and then those
• 2:21
  Speaker 1: Lincoln's can maybe one day become Hamiltons, and then those
• 2:25
  Speaker 1: Hamiltons could become Ulysses s Grants. That's the fifty the
• 2:29
  Speaker 1: fifty dollars bill, and then those Ulysses can become Benjamins.
• 2:38
  Speaker 1: Oh man, Karen, You're the best. No you are, No,
• 2:43
  Speaker 1: you are, And I'm so glad we took the time
• 2:46
  Speaker 1: to reconnect. Let's do it again sometime soon. How about tomorrow.
• 2:53
  Speaker 4: Hi, Mandy Stanley, thank you so much for joining me.
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  Speaker 4: You may be excited to be a part of this discussion,
• 2:58
  Speaker 4: or you may be here against true will and you're
• 3:00
  Speaker 4: gonna give this like one shot and if you don't
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  Speaker 4: love it, you're not coming back.
• 3:03
  Speaker 2: And I get it.
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  Speaker 4: I mean talking about money makes people nervous. Agreeing to
• 3:07
  Speaker 4: spend hours talking about money, Well, I don't know. You
• 3:10
  Speaker 4: may feel like this is punishment, but I promise, if
• 3:13
  Speaker 4: you'll stick with me, our time together may be a
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  Speaker 4: turning point for you in lots of ways, including financially.
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  Speaker 2: And here's why.
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  Speaker 4: For the next few weeks, we're not just gonna talk
• 3:23
  Speaker 4: about money. We're gonna let our money do the talking.
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  Speaker 4: And know this isn't gonna get weird. We're just gonna
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  Speaker 4: kind of flip the script. You see usually, isn't it
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  Speaker 4: true you're the one telling your money what to do.
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  Speaker 4: Buy me some groceries, pay the mortgage, go into savings.
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  Speaker 2: But what if?
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  Speaker 4: What if instead we allowed our money to talk to us?
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  Speaker 4: What if we invited our money to pull up a
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  Speaker 4: chair and give us some advice. What would our money
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  Speaker 4: say if our money talk? Now, the truth is, some
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  Speaker 4: of us would probably rather not hear from our money.
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  Speaker 4: We already know what it might tell us. It would
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  Speaker 4: probably sound like a disappointed parent. You know, I'm not mad,
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  Speaker 4: I'm just disappointed, and for good reason, because some of
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  Speaker 4: our financial decisions, in hindsight, well they really don't make
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  Speaker 4: much sense. And we'd expect our money advice to be well,
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  Speaker 4: pretty much.
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  Speaker 2: Common sense since see what I did there?
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  Speaker 4: Anyway, Sorry, anyway, we'd expect our money to say pretty
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  Speaker 4: much the same things that a financial planner would say,
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  Speaker 4: or maybe an accountant would say, or maybe.
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  Speaker 2: A wise parent.
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  Speaker 4: But what might surprise you, hopefully pleasantly surprised you, was
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  Speaker 4: this what our money would say if our money could talk.
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  Speaker 4: Actually matches what Jesus said when he did talk about
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  Speaker 4: money two thousand years ago. Now, if you grew up
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  Speaker 4: around church, you've probably heard this before. But Jesus actually
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  Speaker 4: said more about money than just about everything else. In fact,
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  Speaker 4: he said more about money than he did heaven, but
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  Speaker 4: not because he needed any In fact, best we can tell,
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  Speaker 4: Jesus never even asked for any He wasn't after people's money.
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  Speaker 4: He was after something else, but it wasn't their money.
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  Speaker 4: More on that later. Now, before we get to the
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  Speaker 4: first thing our money might tell us if our money's
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  Speaker 4: started talking, I want to ask you a question. And
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  Speaker 4: I know this is going to sound like a strange question,
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  Speaker 4: but here's the question. What do you do with your
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  Speaker 4: spare money, not your spare change, your extra dollars, your
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  Speaker 4: spare dollars, the ones, well, the ones that you don't
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  Speaker 4: really need.
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  Speaker 2: And it's not a trick question.
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  Speaker 4: And if you're thinking, Andy, who has spare dollars laying around?
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  Speaker 4: You know, sometimes I'll spare a dollar for a good cause,
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  Speaker 4: but I don't have any extra money, and I certainly
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  Speaker 4: don't have any extra money laying around. And technically that's true.
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  Speaker 4: You don't have extra money just laying around, but you
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  Speaker 4: do have extra have you ever taken a vacation. Have
• 5:33
  Speaker 4: you taken a vacation in the past couple of years?
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  Speaker 4: Do you have a car? Do you have more than
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  Speaker 4: one car? Do your kids have a car? Does your
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  Speaker 4: car have its own little house? Have you ever driven
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  Speaker 4: a perfectly good car to a car lot and then
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  Speaker 4: left it there and drove away in another perfectly good car,
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  Speaker 4: but newer model that you use some of your extra
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  Speaker 4: money to purchase. How about this, when you went to
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  Speaker 4: purchase your current cell phone, did you walk into the
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  Speaker 4: store with a perfectly good cell phone in your pocket?
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  Speaker 2: Of course you did. You see people with extra.
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  Speaker 4: We don't wait for things to break, We upgrade, we
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  Speaker 4: trade things in.
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  Speaker 2: Or how about this, don't raise your hand.
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  Speaker 4: Have you ever gone into your kitchen, a kitchen that
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  Speaker 4: has countertops, a microwave, an oven, a refrigerator, and then
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  Speaker 4: ripped it all out and then use some of your
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  Speaker 4: spare money to replace it all with countertops, refrigerator.
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  Speaker 2: A microwave in an oven.
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  Speaker 4: Do you have so much spare money that you actually
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  Speaker 4: pay someone to keep track of it for you? Like
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  Speaker 4: someone else's job is to take care of all of
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  Speaker 4: your money and invest it so it turns into more
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  Speaker 4: extra money. So when I put it like that, you
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  Speaker 4: know what, do you know? You do have spare money,
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  Speaker 4: you just don't feel like you do. And the reason
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  Speaker 4: why you don't feel like you do is a word
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  Speaker 4: we don't talk much about. It's the g word. It's greed.
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  Speaker 4: It's hard to see greed in the mirror. Now I
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  Speaker 4: can see greed in your mirror, but it's hard for
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  Speaker 4: me to see greed in my mirror. In fact, I've
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  Speaker 4: never had a conversation with anybody who was having financial
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  Speaker 4: problems who said, you know what my problem is, Well,
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  Speaker 4: my problem is my problem is greed. Greedy people say
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  Speaker 4: things like this, I'm just careful, I'm a good money manager,
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  Speaker 4: I'm a saver. Again, it is very difficult to see
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  Speaker 4: greed in the mirror, and yet greed is behind much
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  Speaker 4: of our financial struggle, and greed is behind a lot
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  Speaker 4: of our financial stress.
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  Speaker 2: Maybe a definition would help.
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  Speaker 4: Greed is the assumption that it's all for my consumption.
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  Speaker 4: You see, you can be poor and greedy, or you
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  Speaker 4: can be rich and greedy. Greed has nothing to do
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  Speaker 4: with an amount of money. It has everything to do
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  Speaker 4: with an assumption about money. So your dollars become things,
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  Speaker 4: they become a house, they become things in your house,
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  Speaker 4: they become a car. You just consume, consume, consume, or
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  Speaker 4: maybe you do the opposite. Some of you don't spend
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  Speaker 4: all of your extra money.
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  Speaker 2: You hoard yours.
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  Speaker 4: Of course, we don't call it hoarding, we call it saving.
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  Speaker 4: But the same assumption that drives some people to spend, spend, spend,
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  Speaker 4: is the same assumption that drives some people, maybe you
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  Speaker 4: to save, save, save, because who are you saving it
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  Speaker 4: for you?
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  Speaker 2: After all?
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  Speaker 4: Its yours different habits same assumption, the consumption assumption.
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  Speaker 2: And most of us are guilty.
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  Speaker 4: We don't feel like we have spare money because we
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  Speaker 4: either consume it now spending, buying, upgrading, or we stash
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  Speaker 4: it away in the bank or a four oh one
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  Speaker 4: K to consume later. But either way it's for me.
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  Speaker 4: It's for me now or it is for me later.
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  Speaker 4: And Jesus says that is a faulty assumption, and he
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  Speaker 4: points toway completely different way of viewing our money. And
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  Speaker 4: when we begin to view our money the way he does,
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  Speaker 4: it changes not just our finances, honestly, it changes everything.
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  Speaker 2: It gets us off.
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  Speaker 4: The treadmill of more more, more, me, Me, me, it's
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  Speaker 4: a completely different paradigm, and it leads to freedom, contentment,
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  Speaker 4: and ultimately satisfaction. Here's how Jesus introduced this topic. Here's
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  Speaker 4: what he said. He said, watch out, be on your
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  Speaker 4: guard against all kinds of greed.
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  Speaker 2: There's our word, greed.
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  Speaker 4: He's saying to those of us making the consumption assumption,
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  Speaker 4: spending it all, saving it all, assuming that everything that
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  Speaker 4: comes to us is for us, he says, hold on,
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  Speaker 4: wait a minute.
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  Speaker 2: Then he continues.
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  Speaker 4: He says, life does not consist in an abundance of possessions.
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  Speaker 4: In other words, life is more than stuff. It's more
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  Speaker 4: than our possessions or even our potential to acquire more possessions.
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  Speaker 4: In the fact is, most of us think about this.
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  Speaker 4: Most of us are going to run out of time
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  Speaker 4: before we run out of stuff. We're going to run
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  Speaker 4: out of time before we run out of money. We're
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  Speaker 4: going to die with a whole lot of stuff left over,
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  Speaker 4: stuff somebody's going to pick through, sell, and then perhaps
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  Speaker 4: just throw the rest away. You see, if life consisted
• 9:38
  Speaker 4: of possessions, we would run out of life the moment
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  Speaker 4: we ran out of possessions. And while we know that's
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  Speaker 4: not the case, it is so easy to fall into
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  Speaker 4: the trap of living, as if life is nothing more
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  Speaker 4: than the accumulation of more. Jesus' point is something our
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  Speaker 4: money might point out. If our money could talk, if
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  Speaker 4: our money could talk, it may say something like this,
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  Speaker 4: I can add me to your life, but I am.
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  Speaker 2: Not the meaning of life.
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  Speaker 4: I can add meaning to your life, but I'm not
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  Speaker 4: the meaning of life.
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  Speaker 2: Money, your money, and my money would remind.
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  Speaker 4: Us that it doesn't get much play at funerals, does
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  Speaker 4: it other than how much was given away? Earning money,
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  Speaker 4: chasing it, spending it. That's not the point of life.
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  Speaker 2: Money is not.
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  Speaker 4: The meaning it is, and this is where we're going.
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  Speaker 4: It is a means. It is a tool for doing
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  Speaker 4: something meaningful. It has the potential to make your life meaningful.
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  Speaker 4: Imagine if that was the frame of reference for your finances,
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  Speaker 4: every spending decision, the way you saved, the way you
• 10:34
  Speaker 4: plan for the future, regardless of how much or little
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  Speaker 4: you have. What if when you had some despair, when
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  Speaker 4: you had some extra, you thought to yourself, Wow, I
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  Speaker 4: have extra. How can I make the extra a means
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  Speaker 4: to something meaningful? How can I make it a means
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  Speaker 4: to an end that goes well that goes beyond me.
• 10:52
  Speaker 4: What would it look like to live free of the
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  Speaker 4: consumption assumption, instead of making every dollar that comes your
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  Speaker 4: way a means to something newer, or shy, or maybe renovated.
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  Speaker 4: What if you began to view your money as a
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  Speaker 4: means to making your life more meaningful, meaningful rather than
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  Speaker 4: just full of stuff.
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  Speaker 2: Now, if you had.
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  Speaker 4: Been thinking this way for the past ten years, your
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  Speaker 4: personal finances would look very different. In fact, you would
• 11:16
  Speaker 4: have less stuff, but you would have less debt, you
• 11:19
  Speaker 4: would have more margin, and this is a big one,
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  Speaker 4: you would actually probably have more savings.
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  Speaker 2: More on that later.
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  Speaker 4: Now, all of us make financial decisions based on some assumptions,
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  Speaker 4: whether we've ever stopped to identify those assumptions or not.
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  Speaker 4: And since your financial assumptions governing the way you manage
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  Speaker 4: your personal finances, you should know what those assumptions are,
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  Speaker 4: don't you think. So this week that's what we're going
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  Speaker 4: to do. We're gonna sit down and discover our financial assumptions.
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  Speaker 4: Then over the next few sessions, we will take a
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  Speaker 4: closer look at what Jesus says about how we should
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  Speaker 4: view and handle our money. Now I need to warn
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  Speaker 4: you you might have to make some adjustments. You may
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  Speaker 4: even have to break a financial habit or two. And
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  Speaker 4: if that scares you, it shouldn't because no one, no
• 12:01
  Speaker 4: one who applies what Jesus says about money to their
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  Speaker 4: personal finances ever regrets it. Their only regret is that
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  Speaker 4: they didn't start sooner. Besides, you can't be a fully
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  Speaker 4: devoted follower of Christ and not invite him into the
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  Speaker 4: realm of your personal finances. Christ can't be the lord
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  Speaker 4: of your life when you've got him on one side
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  Speaker 4: saying here's what I want you to do, and you've
• 12:22
  Speaker 4: got Visa on the other side saying yeah, but let
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  Speaker 4: me tell you what you have to do because of
• 12:26
  Speaker 4: what you already did. And be honest, you felt that tension, right.
• 12:30
  Speaker 4: You feel like God is nudging you to be generous
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  Speaker 4: to your local church, maybe a local charity or an
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  Speaker 4: after school program. But before you can find your checkbook,
• 12:38
  Speaker 4: American Express starts nudging you in the other direction that
• 12:42
  Speaker 4: money's already spent. Or once you find your checkbook, you
• 12:45
  Speaker 4: find yourself hesitating to add that extra zero because well,
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  Speaker 4: just because you feel generous, but you can't be generous
• 12:54
  Speaker 4: and you can't seem to make yourself be generous or
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  Speaker 4: in some instances you just won't be generous. And why well,
• 13:01
  Speaker 4: because you have fallen victim of a consumption assumption. So
• 13:05
  Speaker 4: this is a really big deal. This goes way beyond
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  Speaker 4: the realm of personal finances. This is about who's in
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  Speaker 4: charge of your life. It's about whether your life will
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  Speaker 4: simply be full of stuff or perhaps full of meaning.
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  Speaker 4: In this way, financial issues actually become spiritual issues, don't they.
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  Speaker 4: What you do with your money is an indicator of
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  Speaker 4: who and whose you are. So where do we go
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  Speaker 4: from here? Your workbook has a quiz, and don't worry,
• 13:30
  Speaker 4: it's not the kind of quiz you can fail. It'll
• 13:32
  Speaker 4: just help you figure out what your relationship with money
• 13:35
  Speaker 4: looks like today. To start there, to make sure you
• 13:38
  Speaker 4: come back next time. And we'll be talking about one
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  Speaker 4: more assumption that most of us make when it comes
• 13:42
  Speaker 4: to our money, and getting that one wrong it may
• 13:45
  Speaker 4: be the thing that keeps getting you into trouble. Luckily
• 13:49
  Speaker 4: it is easy to fix. We'll see you next time.