Latest / Regina Swarn Audio Series Presents / I Learned The Hard Way That Frugal Beats Broke PART 2

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I Learned The Hard Way That Frugal Beats Broke PART 2 · Regina Swarn Audio Series Presents

• 0:39
  SPEAKER_00: Hey there and welcome back to another I think I'm gonna make this one short though, okay.
• 0:47
  SPEAKER_00: Another episode of Retain of Sword audio series presents.
• 0:51
  SPEAKER_00: I'm gonna try to make this as short as I can guys.
• 0:53
  SPEAKER_00: It's short.
• 0:54
  SPEAKER_00: It might be long though, I don't know.
• 0:56
  SPEAKER_00: But I'm gonna try to make it short.
• 0:58
  SPEAKER_00: Now you know I I I put out a podcast earlier today about debt, debt-free, the freedom.
• 1:11
  SPEAKER_00: Guys, I speak of me.
• 1:15
  SPEAKER_00: The freedom for me.
• 1:18
  SPEAKER_00: What a freedom, guys.
• 1:19
  SPEAKER_00: What a freedom.
• 1:22
  SPEAKER_00: Because I was one of those type people that when I get something, I didn't know how to handle it, so I go get more and more and more and more.
• 1:35
  SPEAKER_00: So I'm was talking about me.
• 1:40
  SPEAKER_00: And I make these different podcasts to help other people who are going through similar situations as myself.
• 1:53
  SPEAKER_00: But you know, you can always get an email about this and that, you know, there's nothing wrong with having debt.
• 1:59
  SPEAKER_00: Never said that.
• 2:01
  SPEAKER_00: I did say that if you can afford it and if you want to buy something, I always throw it back on the other person.
• 2:12
  SPEAKER_00: If you want to.
• 2:18
  SPEAKER_00: That's just me, okay?
• 2:21
  SPEAKER_00: If you got a trillion dollars and you want to buy a whole lot of stuff, that's you, you can afford it.
• 2:28
  SPEAKER_00: Heck, if I had a trillion dollars, I'd probably be buying a couple of things.
• 2:32
  SPEAKER_00: But I mean, if you are someone that's practically, and I'm gonna say living paycheck to paycheck, and you're just barely scraping by, it's just not wise to have all these bills and be in all this debt.
• 2:50
  SPEAKER_00: And if you're able, and this is what I said, if you are able to pay it off, then try to pay it off one bill at a time.
• 3:01
  SPEAKER_00: See, some people can't afford all of these things, some people cannot, and so I'm gonna say it again: being broke and being frugal.
• 3:15
  SPEAKER_00: My being broke is I don't have enough.
• 3:20
  SPEAKER_00: When I don't have enough, when I didn't have enough, and I didn't know what to do, and everything came piling down on me.
• 3:29
  SPEAKER_00: Boy, when it rained it poured.
• 3:31
  SPEAKER_00: I'm talking about seriously, when it rained, it poured down like a a storm, man, like a storm.
• 3:40
  SPEAKER_00: But since God has blessed me, I learned to be frugal, and I'm not ashamed of it.
• 3:44
  SPEAKER_00: I don't care who comes against my podcast, I don't care what people think.
• 3:48
  SPEAKER_00: That's why it's my podcast, it's not theirs, and that's why I'm making this because this is what I have I went through, I have gone through.
• 4:01
  SPEAKER_00: Being broke, it means you just don't have enough, and then you go and you just start borrowing from Peter to pay Paul and Paul to pay Mary, and oh my god, it gets ridiculous, and you get in a bind that way, and so when I speak on these things, I always let people know coming from my perspective, this is what I choose to do, and I I receive a lot of letters and emails, people asking my advice, but I always say this is me now, this is me, this is me.
• 4:43
  SPEAKER_00: I thank God that he worked in my favor to oh god, I can't I can't even sit here and explain it to you guys.
• 4:56
  SPEAKER_00: So I'm not worried about what other people say.
• 5:00
  SPEAKER_00: I don't worry about I don't even read a bunch of emails.
• 5:03
  SPEAKER_00: People send me emails.
• 5:05
  SPEAKER_00: The people that check my emails they'll say, check this out, or they'd say, What do you think of this?
• 5:10
  SPEAKER_00: So they read one email where the person was going on and on, it's nothing wrong with being in debt, and it's nothing you know what?
• 5:18
  SPEAKER_00: I thank God that he worked it out for me.
• 5:23
  SPEAKER_00: Because for me it was wrong, for me it was trouble.
• 5:29
  SPEAKER_00: For me, when I nearly got evicted years ago, all that debt, oh god, so for me it was wrong back in the day.
• 5:40
  SPEAKER_00: So I can only speak from my own perspective.
• 5:45
  SPEAKER_00: I cannot speak from for other people.
• 5:48
  SPEAKER_00: But if someone asked me a question, if someone asked me, um how do you handle this?
• 5:56
  SPEAKER_00: How did you handle this?
• 5:57
  SPEAKER_00: How would you handle this?
• 5:58
  SPEAKER_00: And I explained to them what I do and what I did.
• 6:02
  SPEAKER_00: That it worked for me, it's still working for me, and I don't regret it, not one bit.
• 6:08
  SPEAKER_00: I like the frugal lifestyle, I don't care what nobody says.
• 6:14
  SPEAKER_00: I don't.
• 6:15
  SPEAKER_00: And so more than likely I'm not even paying the person any any attention.
• 6:21
  SPEAKER_00: I'm really not.
• 6:22
  SPEAKER_00: So I really I just thank God overall.
• 6:25
  SPEAKER_00: I thank the Lord because you're gonna always, I don't care what, have someone to come and try to disagree with you, and that's this life.
• 6:36
  SPEAKER_00: This life.
• 6:38
  SPEAKER_00: Freedom of speech, you know.
• 6:41
  SPEAKER_00: You got your freedom of speech, you feel the way you do, I have in mind as well, I do the way I do, and I'm going to continue because that's what worked for me.
• 6:53
  SPEAKER_00: Kept me from keeps me from pulling my hair out.
• 6:59
  SPEAKER_00: That is a that's that's a painful thing, I tell you.
• 7:04
  SPEAKER_00: That phone ringing, this one calling, that one calling making threads.
• 7:11
  SPEAKER_00: You know, I just I thank God for the wisdom.
• 7:16
  SPEAKER_00: For the wisdom.
• 7:17
  SPEAKER_00: And in this time right here, maybe five, ten years ago, it was okay to do a lot of things, but in this very time that we're living in right now, to be boggled down in a bunch of debt is not wise.
• 7:34
  SPEAKER_00: But then again, I'm gonna turn it back on myself for me.
• 7:39
  SPEAKER_00: Me, M E Capital M, capital E.
• 7:43
  SPEAKER_00: Me.
• 7:46
  SPEAKER_00: So don't send me your emails, don't send me what you think and your your perspective and your this and that, and try to compare it to the rich man and the poor man and all of that.
• 7:58
  SPEAKER_00: That's why these people are rich because they knew how to live a frugal lifestyle.
• 8:03
  SPEAKER_00: If you really follow the rules of the person who is rich, you'll see that a lot of them live a frugal lifestyle.
• 8:11
  SPEAKER_00: They could be walking down the street and you're not even knowing, and they could be loaded.
• 8:16
  SPEAKER_00: But a lot of people want to walk down the street shining in diamonds.
• 8:20
  SPEAKER_00: They remind me of they remind me of the police cars that that you pass by on the street and all the lights are on, like a Christmas tree.
• 8:30
  SPEAKER_00: That's what some people want.
• 8:32
  SPEAKER_00: They want you to know, hey, look at me.
• 8:34
  SPEAKER_00: I got a new I got a new whatever, new, new, new.
• 8:38
  SPEAKER_00: And then when you really sit there and have a conversation with them, it's killing them to pay for it.
• 8:46
  SPEAKER_00: They're putting that new whatever over food, or they're putting that new whatever over something.
• 8:53
  SPEAKER_00: Something can wait.
• 8:56
  SPEAKER_00: I gotta have this, such and such can wait, I gotta have this.
• 9:00
  SPEAKER_00: That's the way the poor man thinks.
• 9:03
  SPEAKER_00: The one with all that money, trust me, those were the frugal ones.
• 9:07
  SPEAKER_00: They were the ones that was thinking like I'm talking frugal.
• 9:13
  SPEAKER_00: So I I explain to people what I do.
• 9:17
  SPEAKER_00: You you may not want to do what I do, you might not can't do what I do.
• 9:23
  SPEAKER_00: But I thank God.
• 9:25
  SPEAKER_00: I really thank God.
• 9:27
  SPEAKER_00: I thank God from the bottom of my heart.
• 9:30
  SPEAKER_00: I do thank God.
• 9:33
  SPEAKER_00: So this was part two.
• 9:35
  SPEAKER_00: I had to make this one quickly because here come all the emails.
• 9:40
  SPEAKER_00: Oh my god, flooding in like a storm.
• 9:43
  SPEAKER_00: Oh my god.
• 9:46
  SPEAKER_00: But my answer is again what's good for me may not be good for you.
• 9:53
  SPEAKER_00: But what's good for me is the frugal lifestyle.
• 9:56
  SPEAKER_00: I'm not gonna go down the street in a a diamond suit.
• 10:00
  SPEAKER_00: I'm just not gonna do that.
• 10:03
  SPEAKER_00: I'ma go down looking decent.
• 10:07
  SPEAKER_00: I'm not gonna bring any attention to myself, no attention whatsoever.
• 10:12
  SPEAKER_00: I don't wanna bring attention to me.
• 10:14
  SPEAKER_00: I don't wanna walk down the street with a uh just a floating like a Christmas tree.
• 10:21
  SPEAKER_00: I don't want to do that.
• 10:22
  SPEAKER_00: I'm not going to.
• 10:24
  SPEAKER_00: So we can agree to disagree, but I totally disagree.
• 10:29
  SPEAKER_00: What's good for me is not good for you, may not be good for you.
• 10:32
  SPEAKER_00: Maybe you want to live that that live on the edge every other week or every week.
• 10:39
  SPEAKER_00: I don't.
• 10:41
  SPEAKER_00: I prefer to have something in the bank knowing that if something major do happen, hey I can just go get it.
• 10:47
  SPEAKER_00: That's what I prefer to do.
• 10:50
  SPEAKER_00: So I'm not worried about the emails and all this stuff that people the way they think.
• 10:54
  SPEAKER_00: I'm not oh my god.
• 10:56
  SPEAKER_00: If they can just see inside my mind to see that I do not care what you do, what how your lifestyle is, that's you, that's your life.
• 11:08
  SPEAKER_00: That's you.
• 11:10
  SPEAKER_00: You do what you do, and for God's sake, I'm gonna do what I do, and I know the Lord is ordering my stouts, and I thank him for that.
• 11:20
  SPEAKER_00: I thank him for that wisdom.
• 11:22
  SPEAKER_00: Because many of the people I know who are millionaires, I know a few of them, you would never tell that they are.
• 11:31
  SPEAKER_00: They're not fleshy.
• 11:33
  SPEAKER_00: They got nice cars, yeah.
• 11:35
  SPEAKER_00: But they're not fleshy.
• 11:36
  SPEAKER_00: You don't see them driving down the street in a bentley, although they can have they can.
• 11:42
  SPEAKER_00: Some of them do have bentleys, but you don't see all of that.
• 11:48
  SPEAKER_00: It breaks my heart.
• 11:50
  SPEAKER_00: But you know what?
• 11:52
  SPEAKER_00: To each his own.
• 11:55
  SPEAKER_00: Again, what's good for me might not be good for you, but since you send me emails and ask me um what would you do, what explain to me, frugal, explain to me, broke.
• 12:08
  SPEAKER_00: Oh, I can easily do that.
• 12:10
  SPEAKER_00: And someone asked me to explain that, and I did.
• 12:13
  SPEAKER_00: I explained it because that's the way I try to live.
• 12:17
  SPEAKER_00: So I I again I thank God.
• 12:20
  SPEAKER_00: I thank God.
• 12:21
  SPEAKER_00: He's good, he's wonderful, he's great, and all the above.
• 12:27
  SPEAKER_00: I don't listen to all the people out there with what their plans are.
• 12:31
  SPEAKER_00: I don't listen to people on YouTube or Facebook and all of that.
• 12:35
  SPEAKER_00: I don't listen to really not listen to anybody but the Lord.
• 12:39
  SPEAKER_00: I that's what I listen to, and my situation, and I pray and I ask God, I say, God, fix this, work this out for me, please.
• 12:49
  SPEAKER_00: I cannot handle this.
• 12:52
  SPEAKER_00: So again, what people are doing, their podcast, their YouTube, you you really have to send something to me before I even look at it.
• 13:01
  SPEAKER_00: I'm not gonna watch that stuff, but if you send it to me, you say, check this out, because I check your podcast out and we disagree that you we go, we disagree.
• 13:13
  SPEAKER_00: It's not gonna change my mind, regardless.
• 13:16
  SPEAKER_00: If you're if you create a podcast, if you say something that don't agree with the way I'm saying it, that's not gonna change my mind.
• 13:26
  SPEAKER_00: I do not live my life according to people's Facebook posts, I do not live my life according to other people's podcasts, I do not live my life according to other people's YouTube channels.
• 13:40
  SPEAKER_00: I don't live my life like that.
• 13:42
  SPEAKER_00: I don't even know what you're recording, I don't even know what you're doing.
• 13:47
  SPEAKER_00: I live my life accordingly to how my relationship with the Lord, and I ask God, help me.
• 13:54
  SPEAKER_00: And He walked me through one by one, by one by one.
• 13:59
  SPEAKER_00: That's the way you do it.
• 14:02
  SPEAKER_00: And I thank God for it.
• 14:04
  SPEAKER_00: So I didn't know I was gonna make part two this quick.
• 14:09
  SPEAKER_00: But here it is, part two, guys.
• 14:12
  SPEAKER_00: Part two.
• 14:13
  SPEAKER_00: If you want to do it the way that everybody else is talking about, they do it.
• 14:17
  SPEAKER_00: I mean, it it's your it's your life.
• 14:20
  SPEAKER_00: You wanna continue to live on the edge every week, you're clenching, holding, scared.
• 14:24
  SPEAKER_00: That's you guys.
• 14:27
  SPEAKER_00: But when people write to me and ask my opinion, I I have to explain it to them, I have to show them examples.
• 14:36
  SPEAKER_00: I just thank God.
• 14:37
  SPEAKER_00: I give credit to God because God to God be the glory.
• 14:41
  SPEAKER_00: I give God all of the glory.
• 14:43
  SPEAKER_00: He He is everything to me, He's my life, He's my breath, He's my body, He's my shield, He's my booker, He's everything.
• 14:54
  SPEAKER_00: And He's my peace of mind.
• 14:59
  SPEAKER_00: Thanks for listening, guys.
• 15:00
  SPEAKER_00: Contact Contact me at Swarny Tina at gmail.com.
• 15:07
  SPEAKER_00: God bless you, and all of you have a wonderful day or night and be safe.