Latest / Life, Finance, & Real Estate with KirbyTheRealtor / Episode 29 | WHAT ARE YOU BUILDING... ONE BRICK AT A TIME?

Transcript

Episode 29 | WHAT ARE YOU BUILDING... ONE BRICK AT A TIME? · Life, Finance, & Real Estate with KirbyTheRealtor

• 0:00
  SPEAKER_02: Welcome to Life, Finance and Real Estate, where we discuss how to make smart money moves, the ever-changing real estate market, and of course, things going on in life.
• 0:12
  SPEAKER_02: And here to talk about it more with you is your host, Carmen the Rick.
• 0:23
  SPEAKER_03: I make away fast.
• 0:26
  SPEAKER_03: I make away.
• 0:27
  SPEAKER_03: Let me tell you about it.
• 1:38
  SPEAKER_01: Listen, before we get into today's conversation, I just want to pause and say thank you.
• 1:44
  SPEAKER_01: Thank you for listening every week.
• 1:47
  SPEAKER_01: Thank you for sharing these episodes with your family, your friends, your coworkers, and even your children.
• 1:53
  SPEAKER_01: Thank you for the text messages, the comments, the phone calls, and for stopping me in the grocery store just to tell me I listen.
• 2:01
  SPEAKER_01: Y'all have no idea how much that truly means to me because of your support, Life Finance, and Real Estate has been selected as a finalist for the best of the Pine Belt Podcast.
• 2:12
  SPEAKER_01: Y'all, what an honor, and that is because of you.
• 2:16
  SPEAKER_01: So if this podcast has ever encouraged you, challenged you, helped you look at life differently, or taught you something about your finances, your faith, your future, or home ownership, I'd appreciate your feedback and I'd appreciate your vote.
• 2:31
  SPEAKER_01: Whether we win or not, I'm already grateful because every week we get to grow together, guys.
• 2:36
  SPEAKER_01: And that's why this show has um that's why I created the show, and that's what it's all about.
• 2:42
  SPEAKER_01: Now, if this is your first time listening, I want to welcome you.
• 2:45
  SPEAKER_01: You've jumped in at a really, really exciting time for the past three weeks, y'all.
• 2:50
  SPEAKER_01: We've been on what I call the transformation series.
• 2:54
  SPEAKER_01: First, we asked, Who told you that?
• 2:56
  SPEAKER_01: We challenged the voices that shape the way we think.
• 2:59
  SPEAKER_01: Then we asked, What if you're wrong?
• 3:02
  SPEAKER_01: Not to make anybody feel bad, but to give ourselves permission to question belief we had accepted for years.
• 3:10
  SPEAKER_01: And last week we asked, now that you know better, what's your next move?
• 3:16
  SPEAKER_01: Because awareness doesn't change your life, action does.
• 3:19
  SPEAKER_01: And I have to tell you guys, the responses have been overwhelming.
• 3:23
  SPEAKER_01: Some of you told me that you finally started budgeting.
• 3:27
  SPEAKER_01: Um, some of you pulled your credit report, some of you made the phone calls you've been putting off.
• 3:32
  SPEAKER_01: Some of you simply decided I'm not gonna stay where I am.
• 3:36
  SPEAKER_01: And listen, family, that's why I do this.
• 3:39
  SPEAKER_01: Not so you can listen, but so you can live differently, y'all.
• 3:44
  SPEAKER_01: Now, today we're gonna turn the page, not not to do like a completely different conversation, but we're gonna go to the next chapter.
• 3:51
  SPEAKER_01: It's like a book because everything we've talked about, one question keeps coming back to me.
• 3:56
  SPEAKER_01: And that question is, what are you building?
• 4:00
  SPEAKER_01: Have you ever driven past a house that was under construction?
• 4:04
  SPEAKER_01: I mean the same house every single day.
• 4:06
  SPEAKER_01: The first time you saw it, there wasn't anything there but dirt.
• 4:10
  SPEAKER_01: And then a few weeks later, somebody had poured the foundation.
• 4:13
  SPEAKER_01: Then the walls started going up, then the roof, then the windows, then the bricks, then the driveway, then the landscaping, and before you know it, someone is carrying boxes through the front door.
• 4:25
  SPEAKER_01: Through the front door, somebody carrying boxes.
• 4:27
  SPEAKER_01: Now, here's what's interesting: the house didn't suddenly appear, y'all.
• 4:31
  SPEAKER_01: Nobody woke up one morning and said, Where did this house come from?
• 4:35
  SPEAKER_01: Right?
• 4:35
  SPEAKER_01: No, it was built.
• 4:37
  SPEAKER_01: One load of concrete, one load of dirt, one wall, one nail, one board, one day at a time.
• 4:45
  SPEAKER_01: Family, listen, can I tell you something?
• 4:48
  SPEAKER_01: Your life works exactly the same way.
• 4:51
  SPEAKER_01: Nobody wakes up with an incredible marriage, nobody walks, um, nobody wakes up financially secure.
• 4:58
  SPEAKER_01: Nobody wakes up with a thriving business, nobody wakes up with um an amazing character, nobody wakes up with a strong relationship with God.
• 5:06
  SPEAKER_01: Those things are built, y'all.
• 5:08
  SPEAKER_01: And here's the part I don't want you to miss.
• 5:10
  SPEAKER_01: Whether you realize it or not, you're building something right now, not tomorrow, not next year, today.
• 5:17
  SPEAKER_01: T-O-D-A-Y.
• 5:19
  SPEAKER_01: Today.
• 5:20
  SPEAKER_01: The conversations you have today is laying another brick.
• 5:23
  SPEAKER_01: The way you spend your money today, that's another brick.
• 5:27
  SPEAKER_01: The way you speak to your spouse today, that's another brick.
• 5:31
  SPEAKER_01: The way you parent your children, that's another brick.
• 5:35
  SPEAKER_01: The book you chose to read or don't read, that's another brick.
• 5:39
  SPEAKER_01: The prayer you pray, another brick.
• 5:42
  SPEAKER_01: The prayer you skip, another brick.
• 5:44
  SPEAKER_01: The extra payment you make towards your debt, y'all.
• 5:47
  SPEAKER_01: That's another brick.
• 5:49
  SPEAKER_01: The impulse purchase you didn't need.
• 5:51
  SPEAKER_01: You didn't need those shoes.
• 5:53
  SPEAKER_01: You didn't need that that trip just because you closed on a deal or whatever.
• 5:57
  SPEAKER_01: You didn't need it.
• 5:58
  SPEAKER_01: That's another brick.
• 5:59
  SPEAKER_01: Everything you do is building something.
• 6:02
  SPEAKER_01: The question isn't, are you building?
• 6:05
  SPEAKER_01: The question is, what are you building?
• 6:09
  SPEAKER_01: Let me show you what I mean.
• 6:11
  SPEAKER_01: Can I make it laugh for just a minute?
• 6:13
  SPEAKER_01: You know, the Kirby way.
• 6:15
  SPEAKER_01: Have you ever started cleaning out a closet?
• 6:18
  SPEAKER_01: And somehow it got worse before it got better.
• 6:21
  SPEAKER_01: You pull everything out.
• 6:22
  SPEAKER_01: My husband hates when I have to clean my closet out.
• 6:24
  SPEAKER_01: He said, your problem is you try to do everything at one time and then you're mad at everybody, or you even feel just overwhelmed and you're just frustrated.
• 6:32
  SPEAKER_01: You pull everything out.
• 6:33
  SPEAKER_01: Shoes everywhere, boxes everywhere, clothes everywhere.
• 6:36
  SPEAKER_01: You stop halfway through, you look around and you think, What have I done?
• 6:40
  SPEAKER_01: Or why did I even start this?
• 6:42
  SPEAKER_01: Now here's the funny part.
• 6:44
  SPEAKER_01: If somebody walked in at that exact moment, they'll think you made a miss, right?
• 6:50
  SPEAKER_01: But you know, you know something they don't.
• 6:52
  SPEAKER_01: You're in the middle of rebuilding, you're in the middle of reorganizing, you're in the middle of giving things away.
• 6:58
  SPEAKER_01: And sometimes, y'all, progress looks like a miss before it looks like success.
• 7:04
  SPEAKER_01: Somebody needs to hear that today.
• 7:06
  SPEAKER_01: Somebody listening needed to hear that today.
• 7:08
  SPEAKER_01: Progress looks like a miss before it looks like success because maybe your life feels like a little messy right now.
• 7:15
  SPEAKER_01: Maybe your finances aren't where you want them to be.
• 7:18
  SPEAKER_01: Maybe your marriage is under construction.
• 7:20
  SPEAKER_01: Maybe your business feels uncertain.
• 7:23
  SPEAKER_01: Maybe your faith feels stretched.
• 7:26
  SPEAKER_01: But listen, can I encourage you today?
• 7:29
  SPEAKER_01: Don't judge the final product by what you see in the middle of construction.
• 7:36
  SPEAKER_01: Because construction is noisy, it's dusty, it's inconvenient.
• 7:40
  SPEAKER_01: Construction takes time.
• 7:42
  SPEAKER_01: And let's be honest, y'all.
• 7:44
  SPEAKER_01: If you have ever built or remodeled anything, you know it's never as quick or as cheap as you thought it was gonna be.
• 7:52
  SPEAKER_01: Somehow, every project finds a way to cost a little more than expected.
• 7:57
  SPEAKER_01: And y'all, life can feel like that too.
• 8:00
  SPEAKER_01: Sometimes building costs more patience than you planned, more discipline than you expected, more faith than you ever thought you had.
• 8:08
  SPEAKER_01: I got some stories for you from when we built.
• 8:11
  SPEAKER_01: Y'all, it requires a lot of faith and you know, things pop up that's just unexpected you can't control.
• 8:17
  SPEAKER_01: But construction, y'all, it also means something is being built.
• 8:22
  SPEAKER_01: So, family, here's where I think we make one of the biggest mistakes in life, okay?
• 8:28
  SPEAKER_01: We think life is built by big moments.
• 8:31
  SPEAKER_01: Graduations, the wedding, closing day, the promotion, the business lunch, the retirement part parties and things.
• 8:39
  SPEAKER_01: Those are exciting moments, but they aren't where life is built, y'all.
• 8:43
  SPEAKER_01: Life is built on ordinary Tuesdays, it's built when nobody is watching, it's built in the choices nobody applies.
• 8:51
  SPEAKER_01: And I want to show you exactly what I mean because I think we've been measuring success all wrong.
• 8:57
  SPEAKER_01: I think a lot of people measure success all wrong.
• 9:01
  SPEAKER_01: Can I tell you what I wish more people understood?
• 9:05
  SPEAKER_01: One of the biggest misconceptions about building is this.
• 9:08
  SPEAKER_01: People think building only happens when they're intentional.
• 9:13
  SPEAKER_01: But that's not true.
• 9:15
  SPEAKER_01: You're building something even when you're not paying attention.
• 9:18
  SPEAKER_01: And I need you to think about it.
• 9:20
  SPEAKER_01: Have you ever looked around your garage one day and wondered, how did it get this cluttered?
• 9:28
  SPEAKER_01: Nobody wakes up and says, you know what?
• 9:30
  SPEAKER_01: Today I think I'll make my garage a disaster.
• 9:34
  SPEAKER_01: It happens one box at a time, one bag at a time, one ball, one scooter, one bike.
• 9:41
  SPEAKER_01: It happens little by little.
• 9:43
  SPEAKER_01: One thing you meant to put away later, one project you never finished, one item you said you'll deal with tomorrow, until one day you open that garage and you realize, uh, this isn't what I wanted.
• 9:57
  SPEAKER_01: But can I tell you something?
• 9:59
  SPEAKER_01: Life works the same way.
• 10:01
  SPEAKER_01: Debt rarely happens overnight, right?
• 10:04
  SPEAKER_01: Debt rarely happens, okay?
• 10:06
  SPEAKER_01: Trust isn't usually lost overnight.
• 10:08
  SPEAKER_01: Strong marriages aren't built overnight.
• 10:11
  SPEAKER_01: Healthy bodies aren't built overnight.
• 10:14
  SPEAKER_01: Neither are unhealthy bodies.
• 10:16
  SPEAKER_01: Everything grows one decision at a time, one brick at a time.
• 10:22
  SPEAKER_01: So let's talk about something we don't often think about.
• 10:26
  SPEAKER_01: What kind of atmosphere are you building in your home?
• 10:30
  SPEAKER_01: Not your house, but your home.
• 10:33
  SPEAKER_01: Because there's a difference.
• 10:35
  SPEAKER_01: Two houses can be built the exact same way, same floor plan, square footage, the same paint colors, in the same neighborhood, yet one feels full of peace and the other one feels full of tension.
• 10:49
  SPEAKER_01: Why do you think that?
• 10:50
  SPEAKER_01: Because homes aren't built with lumber.
• 10:54
  SPEAKER_01: They're built with words, y'all.
• 10:55
  SPEAKER_01: It's built with patience and grace and respect, laughter, forgiveness, time with your family together.
• 11:01
  SPEAKER_01: And I heard someone once say, a child may forget what you bought them, but they'll never forget how you made home feel.
• 11:10
  SPEAKER_01: They'll never forget how your home made them feel.
• 11:14
  SPEAKER_01: Y'all, that stay with me because one day our children grow up and they leave home and what they often carry with them isn't furniture, it's not the atmosphere.
• 11:25
  SPEAKER_01: So let me ask you, if your home had a bad smell, would it smell like peace?
• 11:31
  SPEAKER_01: Well, not a bad smell.
• 11:33
  SPEAKER_01: If your home had a smell, would it smell like peace or pressure?
• 11:38
  SPEAKER_01: Would it be peaceful or would it be stressful?
• 11:41
  SPEAKER_01: Would it be peaceful or would it be very chaotic?
• 11:45
  SPEAKER_01: If your home had a sound, would it sound like encouragement or a bunch of criticism or you know, guilt trip in it?
• 11:52
  SPEAKER_01: If your home had a reputation, what would people say?
• 11:55
  SPEAKER_01: Because every conversation, every meal around that table, every disagreement, the hugs, every apology, y'all, is laying another brick.
• 12:05
  SPEAKER_01: Now let's talk about money.
• 12:07
  SPEAKER_01: Let's let's talk about money.
• 12:09
  SPEAKER_01: Because I mean, we talk about life, finance, and real estate, but can I tell you something that took me years to understand?
• 12:17
  SPEAKER_01: And and I say it often, it's not a fact that people have like a spending problem.
• 12:22
  SPEAKER_01: It's being aware of your problem.
• 12:24
  SPEAKER_01: They have an awareness problem.
• 12:26
  SPEAKER_01: Think about it.
• 12:27
  SPEAKER_01: If I ask you, what did you spend on grocery last month?
• 12:30
  SPEAKER_01: Oh gosh, y'all know, know my story if you've been following me.
• 12:35
  SPEAKER_01: Um my what I spend sheet history with my financial advisor.
• 12:40
  SPEAKER_01: When he would ask, what are your expenses each month?
• 12:45
  SPEAKER_01: And I used to like, I used to, I used to be like, what you mean?
• 12:50
  SPEAKER_01: But he meant in my business, all three of them.
• 12:53
  SPEAKER_01: He meant in my household.
• 12:55
  SPEAKER_01: Y'all, I didn't know them numbers.
• 12:58
  SPEAKER_01: What did you spend on grocery last month?
• 13:00
  SPEAKER_01: Some of you would know, but some of you have no clue.
• 13:03
  SPEAKER_01: You'll be just like I was, like scratching your head, stressed out because you gotta fill out this sheet, you gotta save every receipt, you gotta do that for two to three months so you can kind of see what your habits are.
• 13:12
  SPEAKER_01: What about ENOW?
• 13:14
  SPEAKER_01: Amazon, all those subscriptions, convenience store stops, your coffees, saving brew every day, you know, Starbucks every day, Smoothie King every day.
• 13:24
  SPEAKER_01: Here's why that matters.
• 13:26
  SPEAKER_01: Not because buying coffee is wrong, not because spending money is bad, but because what you don't pay attention to, y'all, has a way of growing.
• 13:37
  SPEAKER_01: Have you ever had one of those months where you looked at your bank account and thought, where did my money go?
• 13:44
  SPEAKER_01: And I know I ain't the only one on here that's thought that.
• 13:48
  SPEAKER_01: Somebody listening to me right now probably looked at their bank account today.
• 13:51
  SPEAKER_01: You probably looked at them check stubs and was like, I made this much money?
• 13:56
  SPEAKER_01: Where that money at?
• 13:57
  SPEAKER_01: Why I'm in the red?
• 13:59
  SPEAKER_01: Why I'm so low, where did my money go?
• 14:02
  SPEAKER_01: Has anybody besides me ever asked that question?
• 14:06
  SPEAKER_01: It didn't disappear, it went somewhere.
• 14:09
  SPEAKER_01: So the question is, did it build something or did it just leave?
• 14:13
  SPEAKER_01: And I ask you that because every dollar you earn has the potential to become a worker.
• 14:19
  SPEAKER_01: It can build security, it can be an opportunity, it can be a freedom, or it can quietly disappear into things you barely remember six months from now.
• 14:32
  SPEAKER_01: Quietly disappear.
• 14:34
  SPEAKER_01: Listen, family, I'm not asking you if you spend money because truth be told, we all do.
• 14:40
  SPEAKER_01: You see a purse, you see a pair of shoes, whatever.
• 14:43
  SPEAKER_01: We all spend money.
• 14:45
  SPEAKER_01: I'm asking, what is your money building?
• 14:48
  SPEAKER_01: What is it building?
• 14:52
  SPEAKER_01: See, you know, I'm a realtor, broker.
• 14:55
  SPEAKER_01: I love real estate.
• 14:56
  SPEAKER_01: I love buildings.
• 14:57
  SPEAKER_01: I I and I specifically love construction.
• 15:01
  SPEAKER_01: I don't care if it's commercial, I don't care if it's a bridge.
• 15:04
  SPEAKER_01: I I just love like the how it all comes together.
• 15:08
  SPEAKER_01: I love watching it from the ground up.
• 15:10
  SPEAKER_01: I love watching masterpieces be created.
• 15:13
  SPEAKER_01: That's just me.
• 15:14
  SPEAKER_01: I love real estate.
• 15:16
  SPEAKER_01: And this is one of my favorite parts of what I do.
• 15:18
  SPEAKER_01: People call me because they want to buy a house.
• 15:21
  SPEAKER_01: But somewhere along the journey, something changes.
• 15:25
  SPEAKER_01: We stop talking about square footage and we just start talking about life.
• 15:29
  SPEAKER_01: We talk about schools and neighborhoods and growing families and future plans and commute times and, you know, safeties, the dreams.
• 15:37
  SPEAKER_01: Because after all these years in real estate, I realized something.
• 15:41
  SPEAKER_01: Very few people are actually buying walls, y'all.
• 15:44
  SPEAKER_01: They're buying what they hope happens inside their wall.
• 15:48
  SPEAKER_01: The celebrations of birthdays and first baby steps and graduation pictures and Christmas mornings and family barbecues and dinners, y'all.
• 15:57
  SPEAKER_01: We just had the fourth come, you know, get-togethers, late-night conversations, watching the grandchildren run through the backyard and even their children.
• 16:05
  SPEAKER_01: And that's what they're really buying.
• 16:08
  SPEAKER_01: The house is simply where the memories will live.
• 16:12
  SPEAKER_01: I sat across the table from first-time homebuyers who were nervous because they just, they were nervous because they were just talking about a mortgage.
• 16:22
  SPEAKER_01: But somewhere in that conversation, they start talking about the children finally having a backyard to play in, um, decorating a Christmas tree in their home, not worrying about, you know, the possibilities of rent increasing or, you know, their neighbors having roaches or unwanted guests, somebody beating on the walls, can't get a parking spot, getting rained on, having a place where family can gather.
• 16:47
  SPEAKER_01: Then, y'all, that's when I realized they weren't just buying a house.
• 16:53
  SPEAKER_01: They were buying hope.
• 16:55
  SPEAKER_01: And that's why I tell people all the time don't just ask, can I afford this house?
• 17:01
  SPEAKER_01: Also ask, does this house fit the life we're trying to build?
• 17:05
  SPEAKER_01: Because not every house is a good house.
• 17:08
  SPEAKER_01: Is the right house.
• 17:11
  SPEAKER_01: And not every opportunity is your opportunity.
• 17:15
  SPEAKER_01: Let me say that again.
• 17:18
  SPEAKER_01: Can I afford this house?
• 17:19
  SPEAKER_01: Don't ask that.
• 17:21
  SPEAKER_01: Don't ask just can I afford it?
• 17:23
  SPEAKER_01: Rather, ask, does this house fit the life we're trying to build?
• 17:27
  SPEAKER_01: Because not every good house is the right house, and not every opportunity is your opportunity.
• 17:35
  SPEAKER_01: So I had a builder tell me something years ago that stuck with me.
• 17:40
  SPEAKER_01: He said, most people notice what's beautiful.
• 17:44
  SPEAKER_01: Builders notice what's important.
• 17:46
  SPEAKER_01: And I thought, isn't that the truth?
• 17:50
  SPEAKER_01: The average person notices like pink colors, but a builder noticed whether the walls are straight.
• 17:58
  SPEAKER_01: You know, like framers, having a good frame that has a good eye, and having a good framer that's very particular, you know how their studs are placed.
• 18:07
  SPEAKER_01: A builder notice whether those walls are straight.
• 18:09
  SPEAKER_01: The average person's, you know, we know they notice countertops and backsplashes, but a builder notice the foundation.
• 18:16
  SPEAKER_01: The average person notice flowers, the builders pay attention to the drainage.
• 18:20
  SPEAKER_01: And I wonder how often in life, how often in life are we focused on what's beautiful while ignoring the important things.
• 18:29
  SPEAKER_01: We're chasing bigger paychecks, but we're ignoring our health.
• 18:33
  SPEAKER_01: We're chasing success, but we're neglecting our family.
• 18:36
  SPEAKER_01: We're chasing the followers, the likes, but we're losing ourselves, y'all.
• 18:40
  SPEAKER_01: We're building careers and we're forgetting to build character, family.
• 18:44
  SPEAKER_01: Listen, building things impress people, but strong foundations protect them.
• 18:51
  SPEAKER_01: And I'd rather have a life that's built to last than have one that's only built to be admired.
• 19:01
  SPEAKER_01: I'd rather have a life that's built to last.
• 19:04
  SPEAKER_01: I'd rather leave a legacy, y'all, than one that's only built to be admired.
• 19:11
  SPEAKER_01: But hey, wing of ponder.
• 19:12
  SPEAKER_01: So now we we've talked about what we're building.
• 19:15
  SPEAKER_01: We're building our homes, our finances, our relationships, our future.
• 19:19
  SPEAKER_01: But there's one question we haven't asked yet.
• 19:22
  SPEAKER_01: And I think it may be the most important question of today's entire conversation.
• 19:29
  SPEAKER_01: Not what are you building, but who benefits from what you're building?
• 19:34
  SPEAKER_01: Because if everything you build stops with you, then you build success.
• 19:48
  SPEAKER_00: What are you building?
• 19:51
  SPEAKER_01: Is not the main question here today.
• 19:53
  SPEAKER_01: The main question is who benefits from what you're building?
• 19:58
  SPEAKER_01: Because if everything you build stops with you, then you've built success.
• 20:03
  SPEAKER_00: But if but what if you're building a continued blessing?
• 20:10
  SPEAKER_00: Think about your children.
• 20:11
  SPEAKER_01: And I'm pausing because I I want you to think, what if your building continues blessing your children?
• 20:17
  SPEAKER_01: It continues blessing your community and generations after you're gone.
• 20:22
  SPEAKER_00: And if it's doing that, you built a legacy.
• 20:28
  SPEAKER_00: What would outlive you?
• 20:32
  SPEAKER_00: What will it be?
• 20:33
  SPEAKER_00: What would outlive you?
• 20:35
  SPEAKER_00: Let me ask you a question.
• 20:37
  SPEAKER_01: When your life is over, what do you hope people would remember?
• 20:42
  SPEAKER_01: I need you to think about it for a minute.
• 20:44
  SPEAKER_01: Don't answer it right now.
• 20:46
  SPEAKER_01: Just think about it.
• 20:46
  SPEAKER_01: When my life is over, what do you hope people remember?
• 20:52
  SPEAKER_01: Not what you hope they'll say at your funeral.
• 20:55
  SPEAKER_01: What do you hope they experienced while you were here?
• 21:00
  SPEAKER_01: Do you want them to remember how much money you made?
• 21:04
  SPEAKER_01: Or do you want them to remember how you made them feel?
• 21:07
  SPEAKER_01: Do you want them to remember the title behind your name?
• 21:11
  SPEAKER_01: Or the way you showed up when you needed someone or when they needed someone?
• 21:16
  SPEAKER_01: Do you want them to remember the size of your house or the piece they felt every time they walk through your front door?
• 21:22
  SPEAKER_01: Because y'all guess what?
• 21:24
  SPEAKER_01: At some point, every builder walks away from the job site.
• 21:28
  SPEAKER_01: At some point, one day someone will live in what you built.
• 21:34
  SPEAKER_01: Think about that.
• 21:36
  SPEAKER_01: If you've ever built anything, or even remodeled everything, eventually, after you do it, you have to walk away.
• 21:45
  SPEAKER_01: And then one day, someone else will live in what you've done, what you've built, what you've created.
• 21:51
  SPEAKER_01: What are you leaving behind?
• 21:54
  SPEAKER_01: You know, one of the things I love about old homes, y'all, is walking through them and wondering.
• 22:00
  SPEAKER_01: I wonder who lived here.
• 22:02
  SPEAKER_01: I wonder what life looked like.
• 22:04
  SPEAKER_01: I wonder what memories were made inside these walls.
• 22:08
  SPEAKER_01: Every home tells a story.
• 22:09
  SPEAKER_01: Sometimes we visit homes and you may see like measurings where they measure their kids and or they wrote, you know, something on that wall.
• 22:17
  SPEAKER_01: Every home tells a story.
• 22:19
  SPEAKER_01: Some stories are full of love, y'all.
• 22:21
  SPEAKER_01: Some stories are full of sacrifice.
• 22:23
  SPEAKER_01: Some stories are even full of pain.
• 22:25
  SPEAKER_01: Some are full of joy.
• 22:27
  SPEAKER_01: You can almost feel it.
• 22:28
  SPEAKER_01: And then it then it hit me one day.
• 22:31
  SPEAKER_01: People are the same way.
• 22:32
  SPEAKER_01: Every person leaves behind a story.
• 22:35
  SPEAKER_01: The question is, what story are you writing right now?
• 22:39
  SPEAKER_01: Not the story you hope to write someday.
• 22:42
  SPEAKER_01: The one you're writing today.
• 22:45
  SPEAKER_01: Y'all, your children are watching.
• 22:46
  SPEAKER_01: My children are walking watching.
• 22:49
  SPEAKER_01: They're watching us, y'all.
• 22:51
  SPEAKER_01: Can I speak to the parents?
• 22:52
  SPEAKER_01: If you are a parent or even if you want to become a parent one day, but let me speak to you just for a minute.
• 22:58
  SPEAKER_01: Your children may not remember every single lesson you teach them, but they'll remember what you live.
• 23:05
  SPEAKER_01: They remember whether they saw you keep your word.
• 23:09
  SPEAKER_01: And let me stop right there.
• 23:11
  SPEAKER_01: And when I say that, like there's times my kids may say, Mommy, can we go do X, Y, and Z?
• 23:16
  SPEAKER_01: And I learn to tell them, I don't know, baby.
• 23:20
  SPEAKER_01: Mommy will try and we'll see.
• 23:22
  SPEAKER_01: I never say yes right off.
• 23:24
  SPEAKER_01: I never say I promise.
• 23:26
  SPEAKER_01: I say we'll see.
• 23:28
  SPEAKER_01: If Lord's willing, we'll see it.
• 23:30
  SPEAKER_01: Or if we'll see.
• 23:32
  SPEAKER_01: Depends on how my day go.
• 23:34
  SPEAKER_01: Because I know that they'll say, but mommy, you said.
• 23:37
  SPEAKER_01: And then eventually they won't believe what I said because if I don't carry out what I said because something popped up at work, it mommy, you said.
• 23:47
  SPEAKER_01: They'll remember what you live.
• 23:48
  SPEAKER_01: They'll remember you keeping your word.
• 23:51
  SPEAKER_01: So whether they saw, they'll they'll remember how you treat people, whether you're respectful, whether you made somebody smile, they'll remember whether they heard you pray.
• 24:01
  SPEAKER_01: I know mine's mocking me right now.
• 24:03
  SPEAKER_01: They'll send me little memes, wake up in the morning, mommy's uh clapping and praising the Lord, or you know, and it warms my heart because it shows me they pay attention.
• 24:13
  SPEAKER_01: But they'll remember those things.
• 24:16
  SPEAKER_01: They'll remember whether you panic every time money got tight.
• 24:21
  SPEAKER_01: You know, I used to, here's a little sum I'm gonna tell y'all.
• 24:26
  SPEAKER_01: When money was tight, I used to tell the kids these things.
• 24:30
  SPEAKER_01: And I was speaking with one of my mentors, they was like, don't do that, because that puts stress on the kids.
• 24:35
  SPEAKER_01: And I thought it was just okay.
• 24:37
  SPEAKER_01: I thought it was being transparent and letting them understand, like making sure they understood how money works.
• 24:43
  SPEAKER_01: I thought I was doing something good.
• 24:45
  SPEAKER_01: But eventually I saw why.
• 24:47
  SPEAKER_01: Like I really started to see my kids' eyes.
• 24:50
  SPEAKER_01: You know, if I told them, hey, money tight this month, mommy can't do da-da-da-da-da.
• 24:55
  SPEAKER_01: And then if I decided, okay, mommy can do it, it was like, mommy, but you said, but you know, I created panic within within them, like, and that wasn't good.
• 25:04
  SPEAKER_01: So, you know, we have to be careful what we tell our children or, you know, the things we share, because that shouldn't be something at their age.
• 25:11
  SPEAKER_01: I know for mine, um, that they would they should have to worry about.
• 25:15
  SPEAKER_01: But they will remember those things.
• 25:16
  SPEAKER_01: They they remember how you trust God while making, you know, certain decisions in life.
• 25:22
  SPEAKER_01: They'll remember.
• 25:23
  SPEAKER_01: They'll remember you apologizing when you're wrong.
• 25:26
  SPEAKER_01: Mm-hmm.
• 25:27
  SPEAKER_01: They also remember if you forgave people.
• 25:30
  SPEAKER_01: Children are always taking notes.
• 25:33
  SPEAKER_01: Even when you think they aren't paying attention.
• 25:35
  SPEAKER_01: Sometimes we think we're raising children when in reality we're we're modeling adulthood.
• 25:40
  SPEAKER_01: And one day, many of them will build homes that look a lot like the one they grew up grew up in.
• 25:46
  SPEAKER_01: And it's not because they planned to, but because it became normal.
• 25:50
  SPEAKER_01: So if there's something you want to change, don't wait until your children are grown.
• 25:55
  SPEAKER_01: Start building differently today, y'all.
• 25:58
  SPEAKER_01: A legacy isn't just money.
• 26:01
  SPEAKER_01: When people hear the word legacy, they usually think about money, they think about inheritance and properties and investments and all those things matters.
• 26:12
  SPEAKER_01: They matter.
• 26:13
  SPEAKER_01: But can I tell you something?
• 26:15
  SPEAKER_01: I met family, a lot of families.
• 26:18
  SPEAKER_01: Like I meet them all the time.
• 26:20
  SPEAKER_01: They inherit money, but they never inherit the wisdom.
• 26:26
  SPEAKER_01: The wisdom of what to do with the money.
• 26:28
  SPEAKER_01: And before long, that money is gone.
• 26:30
  SPEAKER_01: They done blown through that money.
• 26:32
  SPEAKER_01: I've also met families that in that they didn't inherit much financially, y'all, but they were rich in integrity, they were rich in faith, um, they had a strong work ethic, they were generous, um, they had characters, and they built something extraordinary from having those values.
• 26:51
  SPEAKER_01: Money is a part of legacy, but it's not the whole legacy.
• 26:55
  SPEAKER_01: Your values may be worth more than your valuables.
• 26:59
  SPEAKER_01: Your values may be worth more than your valuables.
• 27:03
  SPEAKER_01: Let me ask you something.
• 27:05
  SPEAKER_01: If I could spend one week following you around, okay, what would I learn about what matters most to you?
• 27:12
  SPEAKER_01: Not from your words, not from what you have on your calendar, not your bank statements, not your conversations, um, not your habits.
• 27:22
  SPEAKER_01: Because here's the truth.
• 27:23
  SPEAKER_01: We don't always build what we say is important.
• 27:26
  SPEAKER_01: We build what we consistently invest in.
• 27:30
  SPEAKER_01: Y'all, that one got me too, okay?
• 27:32
  SPEAKER_01: Listen at me.
• 27:34
  SPEAKER_01: It's what you consistently consistently invest in.
• 27:38
  SPEAKER_01: Um, because all of us, myself included, need to stop every now and then and ask, does my life reflect my priorities?
• 27:47
  SPEAKER_01: Have my priorities simply become my intentions?
• 27:54
  SPEAKER_01: Let me tell you something.
• 27:55
  SPEAKER_01: A builder knows something the rest of us forget.
• 27:57
  SPEAKER_01: Okay.
• 27:58
  SPEAKER_01: I was thinking about builders this week.
• 28:01
  SPEAKER_01: Um and do you know something they understand?
• 28:05
  SPEAKER_01: They don't show up one day to build an entire house and go home.
• 28:10
  SPEAKER_01: They show up again and again and again.
• 28:14
  SPEAKER_01: Some days they pour concrete, some days they frame the walls, some days they install windows, some days they spend eight hours doing work nobody will ever see.
• 28:24
  SPEAKER_01: Nobody will ever see them coming to make sure things are on center and toilet bowls, and you know, nobody, nobody ever sees that, but they keep showing up because they understand something.
• 28:36
  SPEAKER_01: They understand that the small progress, the repeat it consistently builds something remarkable.
• 28:44
  SPEAKER_01: Small progress, repeat it consistently, builds something remarkable.
• 28:49
  SPEAKER_01: So can I encourage somebody today?
• 28:52
  SPEAKER_01: Stop overlooking the small things.
• 28:54
  SPEAKER_01: That 20-minute walk.
• 28:57
  SPEAKER_01: Um, I'm gonna throw my own cell phone in the bus.
• 29:00
  SPEAKER_01: That uh to-do list, that daily to-do list, that extra payment on your debt, reading one chapter out of a book, praying before you leave the house, praying the moment your eyes open, not putting picking up that phone, putting your phone down during dinner, telling someone I appreciate you, checking on your parents, your grandparents, your uncles, nieces, nephews, taking out, taking out time to spend time with your children and taking them for ice cream or just have a conversation without your phone.
• 29:29
  SPEAKER_01: Writing that first page, making that first phone calls.
• 29:33
  SPEAKER_01: Y'all, those little things, they don't feel life-changing until one day you look back and realize they changed your life.
• 29:40
  SPEAKER_01: Here's the hard truth.
• 29:42
  SPEAKER_01: Can I lovingly challenge all of us?
• 29:45
  SPEAKER_01: We all are building something, but the question isn't whether we're building, the question is whether we're building intentionally or accidentally.
• 29:54
  SPEAKER_01: Because if you don't decide what you're building, life will decide for you.
• 29:59
  SPEAKER_01: And if it's always um I lost train of thought.
• 30:06
  SPEAKER_01: Life will decide for you, and if it isn't always a good architect, y'all, life isn't always a good architect.
• 30:12
  SPEAKER_01: It will fill your calendar, it will fill your schedule, your wallet, your intentions with things that keep you busy, but not necessarily better.
• 30:22
  SPEAKER_01: Sometimes the greatest act of stewardship is learn to say no.
• 30:29
  SPEAKER_01: And oh, no to distraction, no to unnecessary debt, no to people who consistently pull you away from your purpose, no to habits that don't align with the life you're trying to build.
• 30:41
  SPEAKER_01: Because every time you say yes to one thing, you're automatically saying no to something else.
• 30:48
  SPEAKER_01: The question is, what are your yeses building?
• 30:51
  SPEAKER_01: The builder's tool built.
• 30:54
  SPEAKER_01: Every builder has tools, okay?
• 30:57
  SPEAKER_01: He has a hammer, a level, a measuring tape, a blueprint, a saw, a drill, a square.
• 31:04
  SPEAKER_01: Every tool, y'all, has a purpose.
• 31:07
  SPEAKER_01: A builder doesn't use a hammer when they need it to level.
• 31:12
  SPEAKER_01: They don't they don't use a measuring tape when they need a stall.
• 31:15
  SPEAKER_01: They don't use every tool for every job.
• 31:18
  SPEAKER_01: They use the right tool at the right time.
• 31:20
  SPEAKER_01: And y'all, life is the same way.
• 31:22
  SPEAKER_01: Sometimes you need courage, sometimes you need patience, sometimes you need discipline, forgiveness, wisdom, humility.
• 31:29
  SPEAKER_01: Sometimes you need rest, sometimes you need accountability.
• 31:32
  SPEAKER_01: And here's the mistake many of us make.
• 31:34
  SPEAKER_01: We keep reaching for the wrong tool.
• 31:36
  SPEAKER_01: We try to solve financial problems with more income.
• 31:40
  SPEAKER_01: When sometimes the tool we need is better stewardship, we try to solve relationship problems by avoiding conversation.
• 31:47
  SPEAKER_01: When the tool we need is humility, we try to solve problems by staying busy.
• 31:51
  SPEAKER_01: When the tool we need is rest, R-E-S T.
• 31:54
  SPEAKER_01: When we try to solve problems by controlling everything.
• 31:59
  SPEAKER_01: When we try to build a life with tools that were never designed for the job, but when we begin using God's principles as your tools, you don't just build faster, you build stronger.
• 32:11
  SPEAKER_01: Family, as we talk today, I hope you haven't been thinking about a house.
• 32:17
  SPEAKER_01: I hope you you you've been thinking about your actual life because every decision, every habit, conversation, every dollar, every prayer, every act of kindness, every sacrifice, every moment of discipline is another brick.
• 32:32
  SPEAKER_01: And whether you realize it or not, you're building something that someone else will one day walk into.
• 32:38
  SPEAKER_01: So before we leave today, I want to leave you with one final thought.
• 32:41
  SPEAKER_01: Not about houses, not about money, not even about success.
• 32:45
  SPEAKER_01: I want to leave you with something much bigger.
• 32:47
  SPEAKER_01: I want to talk about the builder, the master builder, the family.
• 32:51
  SPEAKER_01: As we get ready to leave each other today, there's one final thought I want to leave with you.
• 32:56
  SPEAKER_01: All day we've talked about building or all these 31 minutes, building our lives, building our finances, building our relationships, building homes and legacy.
• 33:07
  SPEAKER_01: But I wonder, have you been asking the wrong question?
• 33:10
  SPEAKER_01: Maybe the question isn't just what am I building?
• 33:12
  SPEAKER_01: Maybe the better question is, Am I building what God designed me to build?
• 33:17
  SPEAKER_01: Because sometimes when we spend years asking God to bless, bless what we're building when we should first ask him if we're building according to his blueprint, according to his will.
• 33:28
  SPEAKER_01: Think about it.
• 33:29
  SPEAKER_01: If you hired an architect to design your dream home, you wouldn't ignore the blueprint and start guessing.
• 33:37
  SPEAKER_01: You wouldn't, you wouldn't decide, I think this wall should go over here.
• 33:41
  SPEAKER_01: I don't need this support beam.
• 33:43
  SPEAKER_01: I'll just skip the foundation.
• 33:44
  SPEAKER_01: Why?
• 33:45
  SPEAKER_01: Because you trust the designer.
• 33:47
  SPEAKER_01: So why is it when it comes to our lives, we trust our own opinions more than God's direction?
• 33:53
  SPEAKER_01: Y'all, God is the master builder.
• 33:55
  SPEAKER_01: He sees what we can't see, he knows what we don't know, he understands what's coming long before we ever get there.
• 34:02
  SPEAKER_01: Sometimes He tells us to slow down, sometimes he tells us to wait, sometimes he tells us to let something go.
• 34:08
  SPEAKER_01: Sometimes he tells us to step out on faith.
• 34:12
  SPEAKER_01: And many times it doesn't make sense in the moment, but neither does a construction site.
• 34:17
  SPEAKER_01: Even let me see.
• 34:20
  SPEAKER_01: If you ever drive past a construction site, go go buy one this week.
• 34:25
  SPEAKER_01: It doesn't look beautiful.
• 34:26
  SPEAKER_01: Grass is grown up, weeds everywhere, dirt everywhere, it's it's trash, dust, equipment.
• 34:32
  SPEAKER_01: It looks unfinished.
• 34:33
  SPEAKER_01: The builder isn't worried one bit because the builder can already see what everyone can.
• 34:40
  SPEAKER_01: Let me encourage somebody then.
• 34:42
  SPEAKER_01: Maybe your life feels a little like a construction site right now.
• 34:45
  SPEAKER_01: Maybe you're rebuilding after the divorce, rebuilding your finances, rebuilding your confidence, your faith, your health.
• 34:52
  SPEAKER_01: Um, you're rebuilding after the disappointment.
• 34:55
  SPEAKER_01: Don't be ashamed of construction, y'all.
• 34:57
  SPEAKER_01: Construction means something is happening.
• 35:01
  SPEAKER_01: Something is happening.
• 35:02
  SPEAKER_01: Construction means progress.
• 35:04
  SPEAKER_01: Construction means you're not finished yet.
• 35:06
  SPEAKER_01: And I don't know who needs to hear this, but don't let somebody judge your construction site.
• 35:12
  SPEAKER_01: I have a good friend, brother Jeffrey Jasper, wrote a book about I'm not finished yet.
• 35:18
  SPEAKER_01: You're still under construction.
• 35:20
  SPEAKER_01: Y'all need to get that book.
• 35:21
  SPEAKER_01: Jeffrey Jasper, Pastor Jeffrey Jasper.
• 35:24
  SPEAKER_01: Um, but don't let somebody judge a construction site as if it's your finished product.
• 35:30
  SPEAKER_01: God isn't finished with you yet.
• 35:32
  SPEAKER_01: Psalm says 127.
• 35:35
  SPEAKER_01: Psalm says, unless the Lord builds the house, those who build it labor in vain.
• 35:40
  SPEAKER_01: Notice it didn't say don't build, it says make sure God is the builder you're following because you can spend years climbing a ladder only to discover it was lean against the wrong wall.
• 35:52
  SPEAKER_01: Family success means very little if it costs you your peace.
• 35:56
  SPEAKER_01: Wealth means very little if it costs you your family.
• 35:59
  SPEAKER_01: A beautiful house means very little if there's no joy in society in the inside.
• 36:04
  SPEAKER_01: Success carries successful careers, y'all mean very little if you lose yourself along the way.
• 36:11
  SPEAKER_01: So that's why today wasn't really about houses, it's about lives.
• 36:15
  SPEAKER_01: Before I let you go, I want to ask you one last question.
• 36:18
  SPEAKER_01: When people experience your life, what are they walking into?
• 36:22
  SPEAKER_01: Are they walking into hope, peace, wisdom, generosity, faith, integrity, stress, fear, bitterness?
• 36:29
  SPEAKER_01: Because every day you're laying another brick.
• 36:31
  SPEAKER_01: And whether you realize it or not, somebody else is going to live inside what you're building.
• 36:36
  SPEAKER_01: Your children, your grandchildren, employees, friends, community.
• 36:39
  SPEAKER_01: And that's what legacy is.
• 36:40
  SPEAKER_01: Legacy isn't what you leave to people.
• 36:43
  SPEAKER_01: Legacy is what you leave in people.
• 36:46
  SPEAKER_01: Think about that.
• 36:46
  SPEAKER_01: The greatest inheritance you may ever give your children, it may, it may not be a bank account, it may be your example.
• 36:55
  SPEAKER_01: Three weeks ago, we asked, Who told you that?
• 36:58
  SPEAKER_01: We challenged the voices.
• 36:59
  SPEAKER_01: Last week we asked, What if you're wrong?
• 37:01
  SPEAKER_01: We challenged our beliefs.
• 37:02
  SPEAKER_01: Today we asked, What are you building?
• 37:06
  SPEAKER_01: Because every decision, every conversation, habit, dollar, prayer, act of obedience, it's laying another brick.
• 37:13
  SPEAKER_01: So I need you to build wisely, build patience, build with integrity, build with generosity, build with faith.
• 37:19
  SPEAKER_01: Because when you build when you build something that still blesses people long after you're gone, that's a blessing in itself.
• 37:27
  SPEAKER_01: Because one day people may forget what you own, but they they may they may forget what you drove.
• 37:34
  SPEAKER_01: But for y'all, they're never gonna forget how you made them feel, how you love them, how you served them, how you encouraged them, how you pointed them toward hope.
• 37:44
  SPEAKER_01: That's the kind of life worth building.
• 37:47
  SPEAKER_01: Remember this.
• 37:47
  SPEAKER_01: A house is built with bricks, a life is built with decision, a legacy is built with consistency.
• 37:54
  SPEAKER_01: So tomorrow, when your feet hit that floor, remember.
• 37:58
  SPEAKER_01: You're not just living another day, y'all.
• 38:00
  SPEAKER_01: You're living another, you're laying another brick, and I need you to lay it well.
• 38:05
  SPEAKER_01: This has been Life Finance Real Estate with your girl Kirby the Realtor, where we educate, empower, and elevate, helping you build differently so you can leave something worth remembering.
• 38:16
  SPEAKER_01: Because I don't teach you how to earn it, I teach you how to sustain it.
• 38:21
  SPEAKER_01: It's all about success, purpose, growth, own your life so you can own a piece of America.
• 38:26
  SPEAKER_01: Until next time.
• 38:27
  SPEAKER_01: Bye for now.
• 38:28
  SPEAKER_01: See you soon.
• 38:30
  SPEAKER_02: Thank you for tuning in to Life, Finance, and Real Estate with Kirby the Realtor.
• 38:35
  SPEAKER_02: You can catch us every Thursday at 12 p.m.
• 38:38
  SPEAKER_02: on 92.1 WJMG, 93.1 WGDQ.
• 38:43
  SPEAKER_02: And also you can listen live at 921wjmg.com or 931 WGDQ.com.
• 38:50
  SPEAKER_02: If you happen to miss the live recording, don't fret.
• 38:53
  SPEAKER_02: We'll replay it at 6 p.m.
• 38:54
  SPEAKER_02: tonight.
• 38:55
  SPEAKER_02: Thank you once again for listening to Life, Finance, and Reals.
• 39:12
  SPEAKER_03: Let me tell you about it.