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God_s Blueprint for Debt-Free Living (Step by Step) · Bible Ascent

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  Speaker 1: What if the most powerful financial advisor who ever lived
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  Speaker 1: wrote down his entire strategy, published it for free, and
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  Speaker 1: most people just left it sitting on their shelf collecting dust.
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  Speaker 1: What if the reason sixty percent of Americans cannot cover
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  Speaker 1: a one thousand dollar emergency is not because they do
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  Speaker 1: not earn enough, but because nobody ever handed them the
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  Speaker 1: right blueprint. Right now, the average American household is carrying
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  Speaker 1: seven thousand, nine hundred and fifty one dollars in credit
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  Speaker 1: card debt. Banks are charging interest rates between nineteen and
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  Speaker 1: twenty nine percent on that balance, meaning for every one
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  Speaker 1: hundred dollars you owe, you are handing the bank and
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  Speaker 1: extra twenty nine dollars every single year just for the
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  Speaker 1: privilege of being in debt. You are not spending your
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  Speaker 1: paycheck on your family, You are not spending it on
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  Speaker 1: your dreams. You are spending it on interest. You are
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  Speaker 1: spending it on someone else's profit. And the worst part,
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  Speaker 1: most people believe this is just how life works. But
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  Speaker 1: what if it does not have to. What if the
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  Speaker 1: answer to breaking free from that cycle has been available
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  Speaker 1: to every person on earth for thousands of years, written
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  Speaker 1: in plain language, requiring no degree, no credit score, and
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  Speaker 1: no financial background to understand. In the next twenty minutes,
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  Speaker 1: I am going to walk you through seven core financial
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  Speaker 1: principles drawn directly from Scripture, principles that have helped thousands
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  Speaker 1: of ordinary American families eliminate their debt completely and build
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  Speaker 1: something they can pass down for generations. This is not
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  Speaker 1: a motivational speech. This is a step by step blueprint,
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  Speaker 1: and it starts right now. Before we go any further,
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  Speaker 1: I want to ask you to do one small thing.
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  Speaker 1: If you have ever felt the weight of financial stress
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  Speaker 1: pressing on your chest, the kind that wakes you up
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  Speaker 1: at two in the morning, hit that like button right now.
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  Speaker 1: You are not alone in this And if this channel
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  Speaker 1: has ever brought you peace or practical wisdom from the Word,
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  Speaker 1: consider subscribing. Because us every week we go deeper into
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  Speaker 1: what the Bible actually says about the life you are
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  Speaker 1: meant to be living. Before anyone thinks this is going
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  Speaker 1: to be a vague, feel good message about trusting God
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  Speaker 1: with your money, let me establish something important. The Bible
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  Speaker 1: is the most financially detailed book ever written. It mentions money, wealth, debt,
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  Speaker 1: and stewardship more than two thousand, three hundred times more
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  Speaker 1: than it mentions prayer more than it mentions faith. God
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  Speaker 1: knew that the number one source of broken marriages, spiritual drift,
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  Speaker 1: and quiet desperation in human life would be money, so
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  Speaker 1: he addressed it thoroughly, practically and with remarkable precision. Proverbs
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  Speaker 1: twenty two, verse seven says this, the rich rule over
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  Speaker 1: the poor, and the borrower is slave to the lender.
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  Speaker 1: That is not a metaphor, that is a diagnosis. And
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  Speaker 1: if you have ever felt trapped by a car payment
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  Speaker 1: or a credit card balance you cannot seem to pay down,
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  Speaker 1: you know exactly what that verse feels like because you
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  Speaker 1: have lived it. Now, consider King Solomon. By modern estimates,
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  Speaker 1: his net worth would be roughly equivalent to two trillion
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  Speaker 1: dollars today. He was not lucky. He did not inherit
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  Speaker 1: a tech company. He built generational wealth by operating in
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  Speaker 1: alignment with God's financial laws, laws that have never been
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  Speaker 1: repealed and are still fully available to every one of us.
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  Speaker 1: And then there is Mark, a software engineer in Texas.
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  Speaker 1: A few years ago, Mark was carrying fifty five thousand
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  Speaker 1: dollars in car loans and credit card debt. He felt
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  Speaker 1: completely trapped. A friend at his church shared a list
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  Speaker 1: of biblical principles, and he committed to following them precisely.
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  Speaker 1: Fourteen months later, not fourteen years. Fourteen months, Mark was
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  Speaker 1: completely debt free, not because he earned more money, because
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  Speaker 1: he finally had a blueprint that is exactly what we
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  Speaker 1: are building today. The very first step in God's financial
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  Speaker 1: blueprint is a complete rewiring of how you think about
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  Speaker 1: the money in your hand. Psalm twenty four, verse one
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  Speaker 1: says the earth is the Lord's and everything in it, everything,
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  Speaker 1: not most of it, not the portion you give away,
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  Speaker 1: everything including the paycheck that just landed in your bank account.
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  Speaker 1: That means you are not the owner of your money.
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  Speaker 1: You are the manager. God owns the resources, and he
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  Speaker 1: has placed a portion of them in your care to
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  Speaker 1: be handled with wisdom and intentionality. This sounds like a
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  Speaker 1: small shift, but it changes everything about how you make
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  Speaker 1: spending decisions. When you believe the money is yours, you
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  Speaker 1: spend it on your emotions, your impulses, your need to
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  Speaker 1: feel okay right now. When you understand it belongs to God,
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  Speaker 1: you start asking a completely different question. Instead of asking
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  Speaker 1: what do I want, you begin asking what would the
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  Speaker 1: owner of these resources want me to do with them?
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  Speaker 1: Linda is a single mother living in Atlanta to earning
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  Speaker 1: forty five thousand dollars a year after her divorce. She
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  Speaker 1: felt like she could never get ahead. But when she
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  Speaker 1: stopped treating her paycheck as something owed to her and
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  Speaker 1: started treating it as something entrusted to her, her entire
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  Speaker 1: relationship with spending changed. She stopped making emotional purchases. She
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  Speaker 1: stopped buying things to cope with stress. She started tracking
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  Speaker 1: every dollar with the same care a business owner tracks inventory.
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  Speaker 1: Here is your action step. Download a free budgeting app.
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  Speaker 1: Every dollar works very well, and for the next seven days,
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  Speaker 1: write down every single cent you spend, not to punish yourself,
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  Speaker 1: just to see A manager always knows what is happening
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  Speaker 1: with the resources under their care. Start there. Proverbs twenty one,
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  Speaker 1: verse twenty says in the house of the wise are
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  Speaker 1: stores of choice food and olive oil, But a foolish
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  Speaker 1: man devours all he has. In plain modern language, this
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  Speaker 1: verse is saying one thing, do not spend everything you make.
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  Speaker 1: It sounds almost too simple, but the data tells a
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  Speaker 1: different story. The majority of Americans are spending one hundred
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  Speaker 1: and two, one hundred and five, even one hundred and
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  Speaker 1: ten percent of their income every single month, filling the
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  Speaker 1: gap with credit cards and personal loans. There is no buffer,
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  Speaker 1: There is no breathing room, and when life happens, and
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  Speaker 1: life always happens, that lack of margin turns a small
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  Speaker 1: set back into a financial catastrophe. James lives in Chicago.
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  Speaker 1: Last February, his car broke down on the Expressway on
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  Speaker 1: his way to work. The repair came to one thousand,
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  Speaker 1: two hundred dollars. Most people in that situation would have
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  Speaker 1: reached for a credit card carrying twenty four percent interest
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  Speaker 1: and spent the next year and a half paying it off.
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  Speaker 1: But James had been slowly building what we call a
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  Speaker 1: starter emergency fund, one thousand dollars set aside and untouched.
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  Speaker 1: He paid for that repair in cash. He walked away
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  Speaker 1: with zero new debt and his budget completely intact. One
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  Speaker 1: thousand dollars is not a large amount, but that buffer
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  Speaker 1: is the difference between a bad day and a bad year.
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  Speaker 1: Here is your action step. Before you aggressively attack any debt,
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  Speaker 1: set one priority. Save your first one thousand dollars as
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  Speaker 1: a dedicated emergency fund. Cut subscriptions, pick up extra hours,
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  Speaker 1: sell something around the house. You no longer use. Get
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  Speaker 1: that cushion in place first. It is the foundation that
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  Speaker 1: everything else is built on, and without it, every unexpected
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  Speaker 1: expense will keep pulling you back to square one. Proverbs
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  Speaker 1: twenty one, verse five says, Steady plotting brings prosperity. Hasty
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  Speaker 1: speculation brings poverty. Steady plotting, not one giant leap, not
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  Speaker 1: a windfall, not one perfect financial decision that fixes everything overnight.
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  Speaker 1: Consistent intentional forward movement. That is what Scripture points to
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  Speaker 1: as the engine of real wealth. Here is how the
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  Speaker 1: debt snowball works. You list every debt you owe from
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  Speaker 1: the smallest balance to the largest. You pay the minimum
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  Speaker 1: required payment on every single one. Then you take every
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  Speaker 1: extra dollar you can find overtime pay side income money
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  Speaker 1: freed up from canceled subscriptions, and you throw all of
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  Speaker 1: it at the smallest debt until it is gone. When
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  Speaker 1: that one is paid off, you take the full payment
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  Speaker 1: you were making on it and roll it directly into
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  Speaker 1: the next one. Your momentum builds, your payments grow, and
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  Speaker 1: sow does your confidence. The Miller family in Ohio was
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  Speaker 1: drowning under five separate debts, a car payment, two credit cards,
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  Speaker 1: a medical bill, and a personal loan. The total felt paralyzing,
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  Speaker 1: but they started with their smallest balance, just three hundred
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  Speaker 1: dollars on a retail card. They paid it off in
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  Speaker 1: six weeks. That one small victory lit a fire in
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  Speaker 1: them that they had not felt in years. One by one,
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  Speaker 1: each debt fell. What felt impossible at the beginning became
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  Speaker 1: inevitable by the end. Here is your action step tonight.
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  Speaker 1: Make a complete list of every debt you owe, ordered
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  Speaker 1: from smallest to largest balance. Do not sort by interest
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  Speaker 1: rate yet, just list them. Then commit that every extra
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  Speaker 1: dollar this month goes toward that first number, not the biggest,
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  Speaker 1: not the most expensive, the smallest. Build the win first,
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  Speaker 1: then let the momentum carry you forward. One Timothy six,
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  Speaker 1: verse six says godliness with contentment is great gain. Here
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  Speaker 1: is a truth that most financial content will never name directly.
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  Speaker 1: The majority of consumer debt in America is not the
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  Speaker 1: result of genuine need. It is the result of comparison.
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  Speaker 1: The car that ran perfectly fine last year suddenly feels
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  Speaker 1: inadequate when your neighbor pulls into the driveway with a
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  Speaker 1: newer model. The kitchen that has served your family for
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  Speaker 1: a decade becomes something to feel embarrassed about after thirty
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  Speaker 1: minutes of scrolling through home renovation content and so you upgrade,
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  Speaker 1: you finance, you tell yourself you deserve it, and slowly, quietly,
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  Speaker 1: the debt grows, while the satisfaction never arrives. Contentment is
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  Speaker 1: not settling for less. Contentment is a spiritual discipline. It
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  Speaker 1: is the daily choice to say, I have what I
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  Speaker 1: need to day, I will steward what God has placed
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  Speaker 1: in my hands right now, and I will trust him
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  Speaker 1: to provide for what comes next. Contentment breaks the cycle
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  Speaker 1: of perpetual upgrading that keeps millions of people in financial
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  Speaker 1: bondage their entire lives. Marcus and his wife in Denver
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  Speaker 1: made a decision three years ago that their friends thought
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  Speaker 1: was almost strange. They committed to a no spend year,
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  Speaker 1: no new clothing, no dining out, no upgrades. They drove
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  Speaker 1: the same cars, cook every meal at home, and wore
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  Speaker 1: out what they already owned. By the end of that year,
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  Speaker 1: they had paid off twenty eight thousand dollars in debt
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  Speaker 1: and reported feeling more free and more alive than they
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  Speaker 1: had in nearly a decade, because they discovered that the
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  Speaker 1: life they already had was far more than enough. Here
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  Speaker 1: is your action step. Identify one lifestyle upgrade you have
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  Speaker 1: been considering, a new car, a kitchen renovation, the latest phone,
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  Speaker 1: and place it on a ninety day Hold just ninety days.
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  Speaker 1: See what happens to the desire. In most cases, you
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  Speaker 1: will discover it was never really a need. It was
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  Speaker 1: a comparison wearing the costume of a need. Malachi three,
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  Speaker 1: verse ten says, bring the whole tithe into the storehouse,
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  Speaker 1: that there may be food in my house. Test me
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  Speaker 1: in this, says the Lord Almighty, and see if I
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  Speaker 1: will not throw open the floodgates of heaven and pour
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  Speaker 1: out so much blessing that there will not be room
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  Speaker 1: enough to store it. This is the only place in
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  Speaker 1: all of Scripture where God extends in explicit invitation to
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  Speaker 1: test him. That alone should stop every one of us cold. Tithing.
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  Speaker 1: Returning the first ten percent of your income to God
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  Speaker 1: is not primarily a church funding strategy. It is a declaration.
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  Speaker 1: It is a physical, tangible, weakly act of saying, I
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  Speaker 1: acknowledge that God is the source of my provision, not
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  Speaker 1: my employer, not the economy, not my own cleverness. God.
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  Speaker 1: Now I want to speak honestly to those of you
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  Speaker 1: who are thinking right now that you cannot afford to tithe.
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  Speaker 1: I hear that concern, and I respect it completely, but
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  Speaker 1: I want to offer you this. The argument that you
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  Speaker 1: cannot afford to tithe assumes that your financial situation is
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  Speaker 1: determined solely by mathematics. Tithing operates in a different dimension.
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  Speaker 1: It is an act of trust that repositions the heart.
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  Speaker 1: It breaks the controlling grip that money has over your decisions,
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  Speaker 1: and person after person, family after family will tell you
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  Speaker 1: that when they begin honoring God first with their income,
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  Speaker 1: they started making wiser decisions, feeling less anxious about money,
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  Speaker 1: and finding provision in places they did not expect. Rachel
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  Speaker 1: was a nurse in Phoenix, raising two children on her
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  Speaker 1: own on a modest income. She began tithing while still
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  Speaker 1: in debt, and she described the first month as genuinely frightening,
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  Speaker 1: but she committed to three months as a test. Within
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  Speaker 1: that period, she received an unexpected tax refund, was offered
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  Speaker 1: additional hours at work, and her landlord reduced her rent
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  Speaker 1: rather than raise it. Two years later, she was completely
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  Speaker 1: debt free and giving more generously than she had ever
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  Speaker 1: imagined possible. Here is your action step if you are
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  Speaker 1: not yet tithing, begin this month, even if you start
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  Speaker 1: at one percent, Let the discipline grow. Honor God first
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  Speaker 1: with what you have, and watch how the rest of
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  Speaker 1: your financial thinking begins to change. We are halfway through,
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  Speaker 1: and I need you to stay with me, because what
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  Speaker 1: comes next is the step that separates the people who
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  Speaker 1: get free from the people who stay stuck. Most financial
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  Speaker 1: experts on television and in best selling books will never
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  Speaker 1: teach you this because it directly contradicts everything the consumer
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  Speaker 1: economy has trained you to believe since childhood. Do not
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  Speaker 1: go anywhere. Proverbs thirteen, verse twenty two says a good
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  Speaker 1: person leaves an inheritance for their children's children, not for themselves,
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  Speaker 1: for their grandchildren. The consumer economy is built entirely around now,
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  Speaker 1: buy now, enjoy now, pay later, and we have absorbed
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  Speaker 1: that framework so deeply that most of our financial decisions
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  Speaker 1: are made with a horizon of thirty to ninety days
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  Speaker 1: at most. What can I afford this month? What can
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  Speaker 1: I get away with this week? But Scripture describes a
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  Speaker 1: completely different measure of time. It calls us to build
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  Speaker 1: not just for our own comfort, but for the generation
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  Speaker 1: that will follow, the generation that follows us. The decisions
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  Speaker 1: you make with money to day are not simply about
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  Speaker 1: whether you can take a vacation next summer. They are
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  Speaker 1: about what you are placing in the hands of your
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  Speaker 1: grandchildren before they are even born. This one shift, moving
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  Speaker 1: from short term thinking to generational thinking, fundamentally changes how
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  Speaker 1: you spend, save, invest, and give. Thomas and Gloria in
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  Speaker 1: North Carolina were in their mid fifties when they finally
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  Speaker 1: sat down together and asked a new question, not what
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  Speaker 1: do we want to retire with, but what do we
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  Speaker 1: want to hand down. That conversation motivated them to pay
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  Speaker 1: off their mortgage four years ahead of schedule, invest consistently
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  Speaker 1: in retirement accounts, and establish a small college fund for
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  Speaker 1: grand children they did not yet have. They stopped optimizing
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  Speaker 1: for next month, they started building for the next fifty years,
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  Speaker 1: and the piece they described as a result of that
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  Speaker 1: shift was something they had never found in any financial
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  Speaker 1: product strategy before. Here is your action step. Take one
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  Speaker 1: financial decision you are currently facing, and ask a single
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  Speaker 1: different question, how does this choice affect where I want
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  Speaker 1: to be in ten years and what does it hand
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  Speaker 1: to the people who come after me. Let the long
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  Speaker 1: view be your guide, not the short one. Ecclesiastes four,
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  Speaker 1: verse nine says two are better than one because they
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  Speaker 1: have a good return for their labor. You were never
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  Speaker 1: designed to do this alone. One of the most destructive
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  Speaker 1: lies that debt tells you is that your situation is
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  Speaker 1: too shameful to share. That you are the only one
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  Speaker 1: that if anyone knew the full truth of your financial picture,
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  Speaker 1: they would think less of you, and so you carry
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  Speaker 1: it in silence. You manage the budget behind closed doors.
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  Speaker 1: You smile on Sunday morning while anxiety is consuming you
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  Speaker 1: on the inside. But biblical community, real accountability, genuine vulnerability,
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  Speaker 1: and committed investment in one another's flourishing is one of
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  Speaker 1: the most underestimated financial tools in existence. A spouse who
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  Speaker 1: is united with you in the goal. A small group
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  Speaker 1: that prays specifically for your progress. A mentor who has
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  Speaker 1: already walked the path ahead of you. These are not
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  Speaker 1: optional accessories to the journey. They are part of God's
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  Speaker 1: design for how human beings thrive. When the Peterson family
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  Speaker 1: in Minnesota decided to share their debt payoff goal openly
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  Speaker 1: with their small group at church, something remarkable happened. People
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  Speaker 1: showed up, friends, donated furniture so they did not need
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  Speaker 1: to purchase it. Someone connected David with a part time
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  Speaker 1: income opportunity. Another couple who had been through the same season,
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  Speaker 1: became their accountability partners and walked alongside them every step
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  Speaker 1: of the way. The Petersons did not just pay off
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  Speaker 1: their debt, they built a community that still gathers together today,
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  Speaker 1: long after the financial crisis that brought them together has passed.
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  Speaker 1: Here is your action step. Tell one person in your
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  Speaker 1: life the full financial truth about where you stand today.
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  Speaker 1: Your spouse, a trusted friend, a pastor you respect. Not
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  Speaker 1: to ask for money, simply to bring it into the light.
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  Speaker 1: The power of shame lives entirely in secrecy. The moment
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  Speaker 1: you stop hiding, the moment you name the number out
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  Speaker 1: loud to someone safe, something begins to break. That is
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  Speaker 1: where freedom starts. I want to tell you about Sarah
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  Speaker 1: and David. A few years ago. They were standing on
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  Speaker 1: the edge of divorce, not because they had stopped loving
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  Speaker 1: each other, but because the money was destroying them from
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  Speaker 1: the inside out. Every night ended in a new argument,
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  Speaker 1: Every month brought a new crisis. The stack of unopened
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  Speaker 1: envelopes on their kitchen counter had become a wall between
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  Speaker 1: two people who had once built a life together with
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  Speaker 1: great hope. They stopped dreaming together, they stopped praying together.
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  Speaker 1: They were simply surviving separately in the same house. Then
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  Speaker 1: one Sunday, their past or said something that stopped both
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  Speaker 1: of them completely. He said, if you want God to
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  Speaker 1: heal your marriage, begin by surrendering your finances to him.
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  Speaker 1: And they looked at each other across the pew, and
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  Speaker 1: they knew with absolute certainty that he was speaking directly
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  Speaker 1: to them. That night, they sat down together for the
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  Speaker 1: first time in years, not to fight about the bills,
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  Speaker 1: but to pray over them. They spread every statement across
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  Speaker 1: the kitchen table, and together they asked God to lead
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  Speaker 1: them through it. They built the emergency fund. They listed
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  Speaker 1: the debts smallest to largest. They began tithing, even when
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  Speaker 1: it frightened them. They told their small group the truth
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  Speaker 1: about where they were. They followed the blueprint one step
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  Speaker 1: at a time, and refused to give up on each
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  Speaker 1: other or on the process. Twenty two months later, they
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  Speaker 1: were completely debt free. But here is what Sarah told us,
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  Speaker 1: and it is the sentence I want you to carry
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  Speaker 1: with you long after this video ends. She said the money.
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  Speaker 1: The last thing that God healed. The first thing God
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  Speaker 1: healed was us. That is what this is truly about.
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  Speaker 1: We are not talking about numbers on a bank statement.
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  Speaker 1: We are talking about the freedom to be generous the
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  Speaker 1: moment someone in your neighborhood is hurting. We are talking
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  Speaker 1: about the freedom to say yes when God calls you
• 20:18
  Speaker 1: somewhere without first checking your credit. We are talking about
• 20:21
  Speaker 1: the freedom to look your children in the eye and
• 20:23
  Speaker 1: hand them something real. Not a cycle of debt starting
• 20:27
  Speaker 1: over again, not anxiety quietly passed down as inheritance, but
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  Speaker 1: a foundation, a legacy, a life built on purpose, according
• 20:36
  Speaker 1: to a blueprint that was written for you long before
• 20:39
  Speaker 1: you were born. That freedom does not belong only to
• 20:42
  Speaker 1: people with high incomes or clean financial histories. It is
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  Speaker 1: not reserved for people who grew up with the right advantages.
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  Speaker 1: It belongs to every person willing to take one honest
• 20:53
  Speaker 1: step today in the direction of God's design. You are
• 20:57
  Speaker 1: not in this alone. And if you have been carrying
• 21:00
  Speaker 1: financial shame and silence for months or years, I want
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  Speaker 1: you to hear this with your whole heart. God is
• 21:06
  Speaker 1: not surprised by where you are. He is not disappointed
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  Speaker 1: in you. He has a path forward and it begins
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  Speaker 1: exactly where you are standing right now. If you believe,
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  Speaker 1: truly believe that this is the year you break free
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  Speaker 1: from the weight of debt and begin walking in the
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  Speaker 1: financial freedom God has always intended for your life. I
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  Speaker 1: want you to do one thing right now. Scroll down
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  Speaker 1: to the comments and type these words, I am debt
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  Speaker 1: free and walking in God's abundance. You do not have
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  Speaker 1: to be there yet, you just have to believe it
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  Speaker 1: is possible. That comment is not a boast, It is
• 21:42
  Speaker 1: a declaration. It is you planting a flag in the
• 21:45
  Speaker 1: ground and saying out loud, I am done accepting less
• 21:49
  Speaker 1: than what God has promised me. Write it now. I
• 21:52
  Speaker 1: personally read every single comment and I will be praying
• 21:56
  Speaker 1: over each one. Now, take a moment and think of
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  Speaker 1: one person in your lifes life right now. Someone who
• 22:02
  Speaker 1: is losing sleep over their bills, someone who is scared
• 22:05
  Speaker 1: to open their mail, someone who feels completely trapped with
• 22:09
  Speaker 1: no way out. Share this video with them today. You
• 22:12
  Speaker 1: do not need to write a long message, just send it.
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  Speaker 1: You may be the person God uses to hand them
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  Speaker 1: the key to their own freedom. Be that bridge of
• 22:21
  Speaker 1: hope for someone who desperately needs it today. And if
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  Speaker 1: this channel has added something real to your life, if
• 22:28
  Speaker 1: these words have stirred something genuine in you, subscribe and
• 22:31
  Speaker 1: ring the notification bell, because next week we are going
• 22:35
  Speaker 1: somewhere that may completely surprise you. We are going to
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  Speaker 1: uncover the number one reason why so many faithful, church attending,
• 22:43
  Speaker 1: God fearing people still live in financial poverty their entire lives.
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  Speaker 1: It has nothing to do with how much they earn.
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  Speaker 1: It has nothing to do with bad luck or wrong timing.
• 22:53
  Speaker 1: And once you see it clearly, you will never look
• 22:56
  Speaker 1: at your finances or your faith the same way again.
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  Speaker 1: God bless you. Keep walking forward, one steady step at
• 23:04
  Speaker 1: a time. This is God's blueprint for a debt free life,
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  Speaker 1: and it was written for you.