Practical Guide to Money Part 2

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Michael.
Yes, Zach.

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I want to run a concept by you
and see if you've got any any

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ideas.
It's kind of it's kind of like

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half baked ideas but different.
I also stole this from a

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different podcast I listen to
sports guy.

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He he does something he calls
the art of the Zag the.

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Zag the zag.
When everyone's zigging.

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You want to be.
Zagging a little bit.

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So he's like, you know, all the
sports media people are saying,

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you know, LeBron, you know,
Lebron's so great.

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He's been the 10 Finals,
whatever it is, he'll be like,

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well, you look at the record,
he's four and six in the Finals.

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Maybe he's just not that.
Like you just got to.

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He's like worst case.
Scenario, I'm hear you say say

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that about LeBron.
Yeah, You know, I'm, I'm

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actually, I like LeBron way more
than I did five years ago.

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I don't like him that much.
He's like, OK, He's the same

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thing.
He's like Doctor Seuss.

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He's like Handles Messiah.
So like, he's good.

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He's good.
I like him.

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Glad he's on the Laker.
I would say that like, yeah, I

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think not to side rail on
LeBron, but I think he's good.

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Clearly he's good.
He's good.

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So back to zigging and zagging.
He, he, he has this zigging.

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Zigging and zagging could be
used in a Doctor Seuss book too,

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but go.
He probably would not play as

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well on Handel's Messiah zig
zagging like, but he's like if

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he's, if he's zagged, doesn't
mean you're always right, but

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you're pushing back a little bit
your conversation, you and you

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have a, a take that you're like,
Oh, maybe I didn't consider

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similar to a, a hot take a
little bit.

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And so I was going to, I was, I
was trying to think I don't have

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as many examples as I would
like.

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I have one example.
Curious if you have any times

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where you, where you zag,
everyone else is zigging and

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you're standing out from the
crowd.

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One for me is everyone's
talking.

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Everyone talks about how great
breakfast is for dinner and I,

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I, I think it's good, but I'm
gonna zag and sometimes I'll do

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dinner for breakfast.
Dinner for breakfast.

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This morning I had some like
leftover steak and potatoes.

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That was great.
That's a.

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Zag.
No one's selling coke.

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Yeah, no, I, I, I appreciate the
dinner for breakfast.

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Now what is the difficulty for
me to get fully on board with

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that is that I don't want to eat
breakfast.

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Anymore.
No, it makes it harder.

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I was thinking because I
typically don't eat breakfast.

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It's.
Having huge results.

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I mean, my five years of
intermittent fasting, I mean,

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it's like night and day
difference, you know, But, but

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that's beside the point, yeah.
Besides that point.

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So I was trying to think what?
What are some other good zags?

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I wish I just had a list of
them.

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Yeah.
But you know where, you know,

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maybe they don't sound great,
but then you think about them

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like, OK, maybe, maybe maybe you
got something there.

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I'm I'm sure that there are and
maybe my family could could give

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some because I am not your.
I do tend to think about things

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differently and people tell me
that often.

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There you go.
Yeah, but I'm, I'm sure there is

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something where I am just, you
know, well, maybe this is here's

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here's I typically I am not a
Raising Cane's fan.

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Wow, that that you're hurting my
feelings.

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You're more your team, Zaxby's.
Your team, Team Zaxby's for

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sure, man.
No, we, you know, our family for

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Sunday meals.
We that's our one time a week

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out.
True.

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And Kate, unless there's like a
birthday or something, which we

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have, you know, fairly often
with seven of us.

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Yeah, yeah, yeah, yeah, yeah,
yeah.

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Yeah, but yesterday was Lydia's
choice, and she chose Raising

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Cane's.
Well, time not.

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This is a good conversation too.
Maybe this is a Zag.

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Does Mother's name mean nothing?
Well, it was given.

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Jill was given the option to
choose and she said, you know,

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it's fine.
You know, that's good.

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She's like, are you going to
choose bots, Carbetti's and

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Lydia's?
Like no, if it's my choice, I'm

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choosing Raisin canes.
I love Raisin canes I've taken.

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I was actually talking about at
the dinner table today.

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Jayden's the only kid I've taken
to Raisin cane cause none of my

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other kids have been.
And he just talks about it like

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it's this legend, you know?
Raisin canes has good sauce and

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crispy crust.
Bite your tongue.

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Whatever you're going to say
next, I don't want to.

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Hear it.
I mean that's the coleslaw is

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and I'm a coleslaw.
Guy.

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Yeah, yeah, yeah.
Yeah, the bread is good.

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Texas toast.
Great.

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Yeah.
The the fries, they're not

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crispy.
They're just so, so, so like, I

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can eat there.
Yeah, I, I like if you had, you

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know, Doctor Seuss, like right
here, I would say Raisin canes

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is just a little bit lower than
Doctor Seuss.

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It's not horrible.
Fair enough, but I don't get

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the.
Well, everyone loves it.

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Yeah, I I love me some Raising
canes.

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Have you been to Huey Magoos?
I have wow.

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I, I, I like Huey Magoos.
I think I like raising canes

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better.
I, I like Zaxby's.

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I'll be honest, I like all these
places.

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Zaxby's is good too.
Zax.

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I mean, raising canes is to me.
If you need some chicken

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fingers, that's where we're
gonna go.

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If I want to even like, like I
get wings and things and

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Zaxby's, you get a little bit of
both worlds.

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That's what's nice about Zaxby's
right there.

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Wings and Things, or one of
their their Cobb salad is pretty

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good.
It's pretty good, but you know,

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all of these pale in comparison
to Culver's.

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You just go to Culver's and
everything is everything's right

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in the world.
Man, unless it's the Tinger

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outlet, Culver's then I've never
been there but I've just heard

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horror stories.
I've.

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Been there it's not horrible OK
I think people they just it's

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perception and it's like a self
fulfilling perception oh this is

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probably gonna be worse and so
like you you like confirmation

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bias type of thing I.
I will say while we were talking

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I did ask ChatGPT give me some
zags like if if if and I gave it

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the example instead of breakfast
or dinner.

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Dinner for breakfast.
Wish more zags.

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I don't know if this is a zag.
I do this often showering at

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night instead of the morning.
I like the shower at night.

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If it if it's allergies I don't
know if it's a mind thing.

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I feel like I can wash off the
pollen.

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I can sleep better at night.
So, and sometimes peak allergies

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season, I'll do the showering at
night.

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Here's a zag.
Waking up early on weekends,

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that is a zag.
Yeah, we did that.

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We did that Saturday 'cause, you
know, a long time ago you

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suggested this book, How to Go
to Church.

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Oh yeah.
Yeah, yeah, yeah, yeah.

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And my whole family are night
owls.

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And is it hereditary?
Is it how I brought them up?

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Who knows.
But whatever it is, I gave it to

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them either through genetics or
through how I live my life.

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But Saturday we're like, hey,
we're going to get the house

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really clean for Mother's Day.
And you know, we're going to

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start off the day with the, the
enticement was we broke our

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rule.
We're like, we're going to go to

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Waffle House, which I I love
waffle.

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House.
Yeah, yeah, yeah.

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Waffle House is good.
Yeah.

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And so we went out and so we got
them.

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We got them up fairly early on
the weekend and I was like, OK,

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now don't take a nap, go to bed
early on a Saturday.

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So, so that we can get up early
on a Sunday and not, you know,

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not have that.
So I I.

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Love that I get up not early,
but pretty early.

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I play, I have a frisbee game
and that that keeps me like I

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like to getting up early.
I feel like I'm more productive.

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Let's see here's a good zag
dessert first.

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My my kids would love this.
Zag.

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Yeah, yeah, let's take.
This dessert first.

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I always hear that from the pre
tribbers like you got to eat

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your dessert first.
You never know.

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You never know if.
The rapture's going to happen.

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Here's when everyone talks about
this is not this is this came to

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me just seeing this not ChatGPT.
I just want to take credit for

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it.
Instead of casual Fridays formal

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Fridays, you wear the tux to
work on Friday.

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That's that's that is a major
zag.

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Those are we got some other ones
here.

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Not that great.
But think think about zags.

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Maybe I'll just think about
zags.

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Think about half baked ideas,
these like these unique things

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you know?
Yeah.

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And do you like these because it
has Aza, you know, like Zag?

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I base most of my hot takes
around it looks like my name.

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Then I'm like, oh, I love it, I
love it.

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But it's great 'cause I, I also
just reminded me I saw something

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where it was like, you know, it
was like a restaurant.

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I don't remember what this was,
but they were, it's like

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everything's getting to all the
specialty stuff and they're

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like, you know what?
No, we're just like sticking to

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the basics.
We're not going with all the

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we're just zagging.
We're zagging.

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And I was like, that's a good
idea sometimes cause things can

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get kind of trendy.
So that's that's.

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Why I hear you saying it's
Culver's.

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Cook.
I actually I like Culver's.

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Leanne doesn't love Culver's,
but I do like, I haven't met

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that.
And she's a Yankee.

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I know, I know.
You should talk to her.

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Culver's is pretty good.
And the one, yeah, you probably

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go to the same one I go to.
It's it's good.

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It's always good.
Service Main Street, right?

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Yeah.
It's always like they're they're

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they're great.
They're fast and very clean

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friendly.
It's it's good.

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So maybe we should zag with your
money.

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Everyone is zigging and spending
that money and the credit card

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debt.
You want to be a zagger?

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That's.
Right.

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You should be paying credit card
debt off right?

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That's exactly right.
So we're gonna we're on episode

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2 of Practical Money Advice in
this longer series on finances.

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So let's go ahead and take it to
the next level from the hearts

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of the low country in South
Carolina.

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It's the Take Two podcast where
we take theology to the next

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level.
All right, Michael.

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So we are working our way
through this list of eight

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different categories, trying to
chime in a little bit, give,

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give, give our take, gift some
advice.

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Last time we kind of talked, we
we spoke about this general

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overview.
Be a steward of your money.

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We see that principle in
Scripture.

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And and God kind of owns it all
type of thing.

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God ends it all.
I love that.

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Where it's not like your money
in the 1st place because I think

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it's a lot like, how am I gonna
spend my money?

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It's like, you know, this is
God's money.

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God's placed you in charge of
this.

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How are you gonna, you know, use
his money?

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And, and one of our areas we
talked about was practicing

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generosity.
Be a cheerful giver, give

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sacrificially.
We talked about living within

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your means.
That's my favorite.

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I love living within my means.
It's it's it's tough.

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And then we ended with saving
and investing wisely.

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We even talked a little bit
about to work out, you know,

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invest in your health a little
bit, you know, do do what you

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need to do.
We talked a little bit, you

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know, 4O1K SHSAS, this kind of
stuff, invest and doing that,

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You know, Proverbs says the
plans of the diligent lead

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surely to abundance, that those
are good principles to follow.

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And we got a few more and we
kind of round out some of this

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practical advice that we can
talk through.

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Yeah.
And so number 5 was avoiding

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greed and materialism.
And coincidentally enough,

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yesterday's sermon was on worry.
And Joel did a good job of tying

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it to his first sermon, which
was on greed.

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And he talked about how worry
and greed are.

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They're intricately linked.
I love that.

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And I, I was thinking about
this.

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So my father passed away a
couple years ago.

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I got use of his truck.
So and then when everything

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settles out in the trust and
stuff, you know, that will come

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out of, you know, my, my portion
of, of the inheritance.

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But when I got it, occasionally
the transmission would do

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something weird.
I had it looked at, I had the

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transmission fluid change just
like I don't really.

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And I would, I found myself
worrying over this truck.

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And there was a time where I was
like, you know what, Michael,

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stop worrying about it.
Like this is a gift.

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It's not going to last forever.
Yeah, at some point.

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At some point, it's going to go
away.

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Enjoy the gift while you got it.
God brought it into your life.

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You can take it out of your
life.

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And like that's been like a,
it's been a, a relief.

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Like, OK, I'm not going to worry
about this material possession

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anymore.
I'm not going to try to, you

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know, it's there.
So I could really relate on a

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personal level to the.
Sermon I thought I thought it

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was so good.
I think these finance sermons

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have been really good where I'm
the same way I pastor talks

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about, you know, how much do you
think about money?

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Think about money a lot.
It is on my mind.

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I'm like, you know that it's
like responsibility and my and

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00:11:56,480 --> 00:11:59,000
most of the time it's unfounded
worthy worry.

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Like, you know, God's gonna be a
job right now.

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You know, these things I'm like
what some of them are like,

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00:12:03,160 --> 00:12:04,400
wait, what if I got fired from
my job?

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Like she's like, it's not gonna
happen.

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You work all the time.
Like it's like, but it's like

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you have these fears, like man,
I am holding onto things too

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tightly and even thinking like
I've got control of all all

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these things.
And I, I like that you what

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pastor, what you were echoing
that greed and worry, like two

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sides of that, that coin where
it's like they go together and

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you want more.
And you can, you can spin it

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like, I just want to like in my
mind, I justify like I want to

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do things right.
I want to take care of my

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family.
But you can like just

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perseverate on that kind of
stuff and drive you crazy.

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Yeah.
And I think that Joel made a

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good point too, which is, you
know, when you tell someone,

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don't worry, that doesn't equal
don't work.

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It doesn't equal.
Don't be wise, you know, so you

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00:12:45,240 --> 00:12:48,800
can get rid of the worry with
and still be wise in working

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with your money.
And there's almost like a

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00:12:50,640 --> 00:12:53,360
liberation with that, like I'm
going to work hard and I'll

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leave the rest in God's hand.
And you can like sleep at night

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with that, like worrying about
everything.

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00:12:58,280 --> 00:13:02,000
So speaking about materialism,
you know, where, what, what are

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00:13:02,000 --> 00:13:03,200
some areas maybe we can talk
about this?

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00:13:03,200 --> 00:13:05,440
Where is it easy to fall into
materialism?

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00:13:06,120 --> 00:13:08,640
Are there certain things you
feel like entitled, like you're

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00:13:08,640 --> 00:13:10,520
a grown up, You got a job like
you should have.

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00:13:10,560 --> 00:13:12,440
Everyone else has this.
Why can't you have this?

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00:13:13,680 --> 00:13:15,560
Because it's like one of these
little things.

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00:13:15,560 --> 00:13:18,680
I think that once you start
going down that road, you can

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00:13:18,680 --> 00:13:22,120
spend a lot of money on like,
nothing like, you know what I

295
00:13:22,120 --> 00:13:23,720
mean?
Like, like T-shirts, whatever it

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00:13:23,720 --> 00:13:25,840
is, you're like, wow, I spent
all that money on that.

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00:13:25,840 --> 00:13:29,960
Speaking of T-shirts, our merch
is available and you can order

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00:13:29,960 --> 00:13:32,800
one in the link below and
they're not that much.

299
00:13:32,920 --> 00:13:34,720
No, they're great and and we got
some.

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00:13:35,080 --> 00:13:37,960
I'm excited.
I'll just leave it.

301
00:13:37,960 --> 00:13:40,120
I'll leave it at that.
I got a little teaser about

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00:13:40,120 --> 00:13:43,760
about one of one of our shirts
that maybe I I bought it for

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00:13:43,760 --> 00:13:44,680
someone.
Yeah, yeah.

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00:13:44,760 --> 00:13:48,840
And we got some just while we're
taking this little commercial

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00:13:48,840 --> 00:13:51,760
break.
So we got some feedback because

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00:13:51,760 --> 00:13:56,920
we had one shirt that just said
give hate a chance, Romans 12/9.

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And I, I liked it, but I was
like, could I wear this because.

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00:14:01,560 --> 00:14:04,400
And, and so we got some feedback
from Jonathan, one of our

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00:14:04,440 --> 00:14:08,400
faithful listeners and one of
our, you know, erstwhile.

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00:14:08,640 --> 00:14:11,320
So I think that's right off
sometimes he's been on the

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00:14:11,320 --> 00:14:12,360
podcast.
Oh, yeah, yeah, yeah.

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00:14:12,360 --> 00:14:14,520
Could we just put a little bit
of the verse on there to help

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00:14:14,520 --> 00:14:15,600
give us some?
Context.

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00:14:15,960 --> 00:14:18,400
So we put give hate a chance on
the front and then we put a

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00:14:18,400 --> 00:14:21,080
horror evil on the back.
And so both of those options, if

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00:14:21,080 --> 00:14:23,880
you want the more kind of in
your face one, the one that just

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00:14:23,880 --> 00:14:25,520
says I've had a chance, it's
still there.

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00:14:25,960 --> 00:14:29,240
But if you're like, hey, I want
a more gentler in your face of

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00:14:29,240 --> 00:14:32,800
poor evils there too, so.
Boom, I love that commercial

320
00:14:32,800 --> 00:14:36,440
commercial break is over.
Anything else on materialism?

321
00:14:36,440 --> 00:14:39,120
I I think like we were talking
about it, like you said, some

322
00:14:39,280 --> 00:14:40,600
you worry sometimes with your
car.

323
00:14:41,600 --> 00:14:44,760
When I think of materialism too,
it's not, I'm not like you're,

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00:14:44,880 --> 00:14:49,000
it's like the person driving
the, you know, $60,000 sports

325
00:14:49,000 --> 00:14:51,240
car or something, or people
think, I don't know every no

326
00:14:51,240 --> 00:14:53,160
matter if someone has a car,
you're probably like, whoa,

327
00:14:53,160 --> 00:14:55,600
materials because every car is a
bajillion dollars right now.

328
00:14:55,600 --> 00:14:59,600
I'm trying to think of other
just like normal areas.

329
00:14:59,600 --> 00:15:02,320
I, I feel like you can, you
know, maybe let it roll a little

330
00:15:02,320 --> 00:15:04,280
bit with like subscription
services or something.

331
00:15:04,280 --> 00:15:06,400
Think that they have to have a
functioning oven?

332
00:15:06,800 --> 00:15:09,440
The Mots have proved you don't.
That's just materialism.

333
00:15:09,440 --> 00:15:11,520
Like get, you know, get rid of.
Need that?

334
00:15:11,560 --> 00:15:13,840
That's a once.
You just want everything, don't

335
00:15:13,840 --> 00:15:17,080
you Michael?
Yeah, no, that that's good.

336
00:15:17,080 --> 00:15:19,600
You probably know it when you
see it and you evaluate, you

337
00:15:19,600 --> 00:15:21,760
know, your finances do that
budget look over.

338
00:15:22,040 --> 00:15:25,040
So if you can be like, hey,
probably don't need this.

339
00:15:25,040 --> 00:15:27,840
Maybe this is a little bit
opposite of of generosity.

340
00:15:27,840 --> 00:15:30,880
Well, and I think it dovetails
with our next topic, 'cause you

341
00:15:30,880 --> 00:15:34,480
mentioned Bible's not anti work.
So let's talk about providing

342
00:15:34,760 --> 00:15:36,360
for your family.
That's an important thing to do

343
00:15:36,360 --> 00:15:38,160
with your finances.
Yeah, it is.

344
00:15:38,200 --> 00:15:42,480
It is very important and the
Bible has some strong words for

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00:15:42,480 --> 00:15:45,040
people who fail to provide for
their family.

346
00:15:45,480 --> 00:15:48,120
Says that you are someone who's
denied the faith or in some

347
00:15:48,120 --> 00:15:49,760
translations, worse than an
infidel.

348
00:15:49,760 --> 00:15:51,640
Yeah, Yikes.
You don't want that.

349
00:15:51,640 --> 00:15:55,560
You don't want that, Said said
about you, the passage pastor

350
00:15:55,560 --> 00:15:56,720
was talking about.
You know, if you don't, you

351
00:15:56,720 --> 00:15:59,360
don't work, you don't eat right.
Like, you know, we're, we're

352
00:15:59,360 --> 00:16:03,480
going to hold you to, to this
because that's part of, I think

353
00:16:03,600 --> 00:16:06,240
stewarding your money well.
You know this was the time when

354
00:16:06,240 --> 00:16:08,560
they thought Jesus is probably
coming.

355
00:16:08,560 --> 00:16:09,360
Back.
That's right.

356
00:16:09,440 --> 00:16:13,240
So like, even even if we think
Jesus is coming back, that

357
00:16:13,240 --> 00:16:16,160
doesn't mean you don't work.
You're still we're made to work.

358
00:16:16,440 --> 00:16:17,640
Yeah.
And maybe this is where we can

359
00:16:17,640 --> 00:16:21,080
spend a couple minutes talking
about, like, what's that look

360
00:16:21,080 --> 00:16:24,480
like providing A part of me is
like, I really like men's

361
00:16:24,480 --> 00:16:26,800
ministry stuff.
You know, everyone's like, you

362
00:16:26,800 --> 00:16:29,040
know, wants to be a man and they
want to talk about all this.

363
00:16:29,040 --> 00:16:31,880
Part of me is like, you just
tell people like provide for

364
00:16:31,880 --> 00:16:34,840
your family, protect your
family, like spend time with

365
00:16:34,840 --> 00:16:36,640
your wife, spend time with your
kid that that's good.

366
00:16:36,640 --> 00:16:38,880
And so that you can like, you
know, look at all these

367
00:16:38,880 --> 00:16:41,320
different things.
And then, you know, I think the

368
00:16:41,320 --> 00:16:44,280
challenge is on one side, people
don't like to work on the other

369
00:16:44,280 --> 00:16:46,360
side of it.
How do you balance like, oh, I'm

370
00:16:46,360 --> 00:16:50,320
not going to work $200 a week or
like like like the other side of

371
00:16:50,320 --> 00:16:53,800
it or work like takes over.
That's one of those wisdom

372
00:16:53,800 --> 00:16:57,120
balance things that I think can
be can be challenging and maybe

373
00:16:57,120 --> 00:16:59,760
it depends on, you know, what
stage are you at in life?

374
00:16:59,760 --> 00:17:02,160
Like what's it look like?
You know, what, what, what does

375
00:17:02,160 --> 00:17:03,520
everything else look like around
you?

376
00:17:03,880 --> 00:17:07,599
Because I think you can run one
of one of two ways in the wrong

377
00:17:07,599 --> 00:17:10,400
direction here.
Yeah, I think that's really good

378
00:17:11,040 --> 00:17:14,079
when you consider those extremes
and you know both of those are

379
00:17:14,079 --> 00:17:16,280
ditches.
You know, when you're when work

380
00:17:16,280 --> 00:17:19,920
so consumes you, it's probably
because you have greed or or

381
00:17:19,920 --> 00:17:24,359
materialism or you have some
type of worry issue.

382
00:17:24,960 --> 00:17:28,520
Maybe it's a status issue like
you find your worth in that.

383
00:17:29,440 --> 00:17:32,360
If you're on that other extreme,
you know, if you're on the other

384
00:17:32,400 --> 00:17:35,640
stream where you're, you know,
lazy and you're not, you know,

385
00:17:35,640 --> 00:17:39,960
looking at, OK, I need to work
like I don't like this, but I'm

386
00:17:39,960 --> 00:17:42,880
going to do it because I have to
provide for my for my, for my

387
00:17:42,880 --> 00:17:44,960
family.
That that should also motivate

388
00:17:44,960 --> 00:17:47,720
you to to do that work.
And and I think as men, like

389
00:17:47,720 --> 00:17:50,520
we're kind of wired that way
where I think most of us kind of

390
00:17:50,520 --> 00:17:53,080
feel that way.
It's like alarming when you're

391
00:17:53,080 --> 00:17:55,600
like you, you're talking, you're
like, you should probably feel a

392
00:17:55,600 --> 00:17:57,360
little bit more.
Not that you should, you know,

393
00:17:57,360 --> 00:17:59,320
worry, we talked about that, but
you should feel some

394
00:17:59,320 --> 00:18:01,560
responsibility, some weight
here.

395
00:18:01,560 --> 00:18:03,240
One last question.
I know we got to kind of keep

396
00:18:03,240 --> 00:18:06,480
bouncing through these, but
here's a here's a take.

397
00:18:07,560 --> 00:18:09,680
Women should women work?
Is it bad if women work?

398
00:18:09,680 --> 00:18:12,080
Is that is it?
Is it good if your wife works 80

399
00:18:12,080 --> 00:18:13,400
hours a week?
And you know what I mean?

400
00:18:13,400 --> 00:18:17,320
Like what's you know there?
I think you also ditches on both

401
00:18:17,320 --> 00:18:23,240
sides and you know what I mean.
I think so too, and I think part

402
00:18:23,240 --> 00:18:26,720
of this is going to be personal
and wisdom based.

403
00:18:27,480 --> 00:18:32,360
So I'll say for us, when we
first started out and we were

404
00:18:32,360 --> 00:18:35,320
first married, I think what some
young couples can get in the

405
00:18:35,320 --> 00:18:39,080
trap of is we don't have any
kids, no reason for the wife not

406
00:18:39,080 --> 00:18:42,440
to work.
But then you're spending that

407
00:18:43,000 --> 00:18:46,320
comes up to equal that.
You had kids and then you're

408
00:18:46,320 --> 00:18:51,560
like, I can't stop this train.
So what we did is we purposed to

409
00:18:51,560 --> 00:18:55,400
live off my income only when we
were first married.

410
00:18:55,880 --> 00:19:00,920
And so everything that Jill, you
know, worked, we saved and we

411
00:19:01,360 --> 00:19:03,080
had a little bit of debt coming
into marriage.

412
00:19:03,080 --> 00:19:06,400
We paid that off and stuff.
And we, you know, we, we would

413
00:19:06,400 --> 00:19:09,800
use it to like, OK, we're going
to get some couches.

414
00:19:10,000 --> 00:19:13,320
Like the couches that we have in
our house now are the same

415
00:19:13,320 --> 00:19:16,600
couches that we bought back when
we were first getting married.

416
00:19:16,880 --> 00:19:21,760
So that would be what my advice
would be to a young couple is to

417
00:19:21,760 --> 00:19:28,320
not have your monthly bills be
based off of the dual salary so

418
00:19:28,320 --> 00:19:31,920
that you're already living
within the means of the male's

419
00:19:31,920 --> 00:19:35,680
salary.
And then when you do have kids,

420
00:19:35,680 --> 00:19:38,800
then it's not like you're like,
you've got to work, right?

421
00:19:39,040 --> 00:19:41,320
No, that's good.
I we took a different approach

422
00:19:41,320 --> 00:19:44,080
and Elaine and I got married.
Leanne worked and I did not

423
00:19:45,280 --> 00:19:48,760
slightly different context.
I was in school, I was in

424
00:19:48,760 --> 00:19:51,160
Graduate School working on my,
my doctorate degree.

425
00:19:51,320 --> 00:19:54,800
And so I feel like I should say
that to people are like, oh, and

426
00:19:55,000 --> 00:19:58,360
it was good too.
We were living off of her salary

427
00:19:58,760 --> 00:20:01,920
and boy, it was, it was great.
We had to budget so tightly.

428
00:20:01,920 --> 00:20:05,760
Everything was so expensive.
And you know, I don't know, she

429
00:20:05,760 --> 00:20:09,000
was a school teacher.
We were making like $30,000 a

430
00:20:09,000 --> 00:20:10,200
year or something.
And it's good.

431
00:20:10,200 --> 00:20:12,440
And then when you do have both
incomes, if you can live off of

432
00:20:12,440 --> 00:20:14,680
1.
That's so great.

433
00:20:14,680 --> 00:20:17,320
You I I think that's really wise
advice because yeah, if you

434
00:20:17,320 --> 00:20:21,120
start living on both, it's just
like nowhere to go.

435
00:20:21,120 --> 00:20:24,360
And, and I look back at those
three or four years and it's

436
00:20:24,360 --> 00:20:27,640
like, man, it was it, it's, it's
kind of good to live your life

437
00:20:27,640 --> 00:20:31,520
scraping by just so you can like
know what it's like because if

438
00:20:31,520 --> 00:20:34,480
you don't, I did not growing up
in my house, I did not know what

439
00:20:34,480 --> 00:20:36,880
that was like.
And coming on the other side of

440
00:20:36,880 --> 00:20:40,040
it, it's like, it's like, and I
think a lot of us can probably

441
00:20:40,040 --> 00:20:42,240
relate to this.
It's like, man, you're like, you

442
00:20:42,240 --> 00:20:44,960
can barely save and you're like
saving a little bit of money and

443
00:20:44,960 --> 00:20:46,600
then let the brakes go out on
your car and you're like, oh,

444
00:20:46,600 --> 00:20:48,320
it's like 300.
I was like, I saved this 300

445
00:20:48,320 --> 00:20:50,240
bucks by 300 bucks.
You know, it's like you're

446
00:20:50,240 --> 00:20:53,360
trying to say, but it seems like
every like bump in the road is

447
00:20:53,360 --> 00:20:57,080
like such a killer.
But that that's that's really.

448
00:20:57,080 --> 00:20:58,960
Good.
Yeah, I remember Jill and I

449
00:20:58,960 --> 00:21:02,880
laughed at at this, but we were
in our apartment and we were in

450
00:21:02,880 --> 00:21:06,680
that place where like we were
just trying to make ends meet

451
00:21:06,920 --> 00:21:11,480
and, you know, you get paid and
like you go grocery shopping and

452
00:21:11,480 --> 00:21:15,600
like, yeah, but we needed a
broom and she went and got a

453
00:21:15,880 --> 00:21:18,240
she's broom.
And it was, I was like, we just

454
00:21:18,240 --> 00:21:19,640
needed broom, like just buy
broom.

455
00:21:19,960 --> 00:21:22,920
And she got like one of those
little handheld no, and just

456
00:21:22,920 --> 00:21:25,000
trying to save money.
I was like, I think we can

457
00:21:25,120 --> 00:21:27,800
splurge for the full size broom
because I think we're going to

458
00:21:27,800 --> 00:21:29,720
have to have that.
But yeah, she was trying to like

459
00:21:29,720 --> 00:21:32,720
sweep up some detergent that had
spilled with this.

460
00:21:32,720 --> 00:21:34,160
I was like, I don't think that's
going to work, Bill.

461
00:21:34,160 --> 00:21:36,840
We got we're going to have to
splurge here and get a normal

462
00:21:36,840 --> 00:21:39,120
size broom.
Splurge on the broom and we're

463
00:21:39,120 --> 00:21:41,520
in a situation now.
My wife, she has not worked for

464
00:21:41,520 --> 00:21:45,720
the last eight years and she's
we're about to step in the

465
00:21:45,800 --> 00:21:47,160
workforce.
We're a little bit conflicted

466
00:21:47,160 --> 00:21:49,960
about it.
Her youngest will be like 4 when

467
00:21:49,960 --> 00:21:53,120
she's in school, which is good.
I, we are very thankful because

468
00:21:53,120 --> 00:21:57,840
I think if it's possible, I
think it is good if, if you can

469
00:21:57,840 --> 00:22:00,960
spend those years with your, not
everyone has that luxury, I

470
00:22:00,960 --> 00:22:02,160
suppose, but I think that's
good.

471
00:22:02,600 --> 00:22:04,920
And she like had homeschooled.
Her oldest too is like really

472
00:22:04,920 --> 00:22:06,240
great.
But it just makes sense.

473
00:22:06,240 --> 00:22:08,400
It's good timing for her to step
back.

474
00:22:08,400 --> 00:22:10,240
But I think those are good
things to think through and not

475
00:22:10,240 --> 00:22:13,320
just, hey, whatever.
This might be a whole separate

476
00:22:13,320 --> 00:22:15,520
podcast so we don't have to get
into it, but I'd be curious.

477
00:22:15,520 --> 00:22:17,560
We should talk one time.
Maybe this is too much over a

478
00:22:17,560 --> 00:22:20,360
small subject, but hey, what
what what's the deal?

479
00:22:20,360 --> 00:22:24,160
Are we OK with, you know,
breadwinner being the woman stay

480
00:22:24,160 --> 00:22:25,640
at home dad?
Like, is that OK?

481
00:22:25,640 --> 00:22:28,600
Is that just not ideal,
permissible, not good?

482
00:22:28,600 --> 00:22:30,360
Wouldn't recommend it.
But anyway, that might be a

483
00:22:30,360 --> 00:22:33,240
whole like rabbit hole thing.
Yeah, that is an interesting

484
00:22:33,240 --> 00:22:35,080
topic.
One other thing for us, just so

485
00:22:35,080 --> 00:22:39,760
that you know, for us, we Jill
was entering the work workforce.

486
00:22:39,760 --> 00:22:42,840
We were praying about her
getting a job that would help

487
00:22:42,840 --> 00:22:47,640
reduce our, you know, tuition
and which that happened.

488
00:22:47,640 --> 00:22:49,320
And Jill's like, well, they
offered me a job.

489
00:22:50,000 --> 00:22:51,600
Should we pray about it?
I was like, I think we already

490
00:22:51,600 --> 00:22:53,200
prayed for it.
This is the answer.

491
00:22:54,240 --> 00:22:57,840
But but crazily enough, that's
when like right after that

492
00:22:57,840 --> 00:23:01,080
happened, she was working, you
know, full time for maybe a

493
00:23:01,080 --> 00:23:04,040
couple months, not full time,
but part time for a couple

494
00:23:04,040 --> 00:23:07,280
months, but full time enough to
earn the discount.

495
00:23:07,800 --> 00:23:09,880
And that's when she was pregnant
with Phoebe.

496
00:23:09,880 --> 00:23:11,800
And so we had some tough
decisions to make.

497
00:23:11,920 --> 00:23:15,600
So Phoebe was our only one that
and it wasn't full day daycare.

498
00:23:15,640 --> 00:23:18,680
It was, you know, but basically
a little, just a little bit more

499
00:23:18,680 --> 00:23:21,240
than half day.
And yeah, we prayed about it

500
00:23:21,240 --> 00:23:23,920
because we had, you know, how do
we make all this work?

501
00:23:24,400 --> 00:23:28,200
And so she was the one and she
did really well with it.

502
00:23:28,760 --> 00:23:32,280
And so God provided.
So if you find yourself where

503
00:23:32,280 --> 00:23:35,240
you're in that place, you know
it can still work.

504
00:23:35,240 --> 00:23:37,840
Out it could it that's right it
it can still work you just want

505
00:23:37,840 --> 00:23:40,360
to think through these things
and we're very thankful Leanne.

506
00:23:40,360 --> 00:23:43,320
It's funny working at Northwood
and it's like the schedules just

507
00:23:43,320 --> 00:23:46,680
align with the kids.
Like all of that is so important

508
00:23:46,680 --> 00:23:49,200
where it's like spring break and
summer breaks and stuff.

509
00:23:49,200 --> 00:23:52,000
And so and helps out with that,
that tuition.

510
00:23:52,000 --> 00:23:58,320
So we are excited for that area
#7 trust God in financial

511
00:23:58,320 --> 00:24:01,200
trials.
You know, when, when something

512
00:24:01,200 --> 00:24:03,440
like your car goes out and it's
like, oh, this is really

513
00:24:03,440 --> 00:24:07,000
painful.
It's tough to trust in God's

514
00:24:07,000 --> 00:24:10,000
provision and sovereignty where,
you know, or you know, Pastor

515
00:24:10,000 --> 00:24:12,400
Joel, different stage of life,
you know, we want to do these

516
00:24:12,400 --> 00:24:14,960
tariffs, maybe not great for his
401K or you know what I mean?

517
00:24:14,960 --> 00:24:17,560
It's like, oh, and he was like,
oh, you're just like looking at

518
00:24:17,560 --> 00:24:19,920
that thing and you're like, OK,
this is like he mentioned.

519
00:24:19,920 --> 00:24:22,400
I think this is so practical,
you know, hey, he's going to

520
00:24:22,400 --> 00:24:24,160
retire soon.
He's going to be like, it's

521
00:24:24,160 --> 00:24:26,760
going to probably be hard for
him to enter the workforce in

522
00:24:26,760 --> 00:24:29,320
other areas aside from like
Walmart greeter or it's like

523
00:24:29,320 --> 00:24:31,760
you're not going to, it's going
to be harder to make what he's

524
00:24:31,760 --> 00:24:34,280
probably making now.
And so it's like you kind of

525
00:24:34,280 --> 00:24:35,720
step away.
That's like what you got.

526
00:24:35,720 --> 00:24:37,680
You kind of do have the trust
and I think they've planned

527
00:24:37,680 --> 00:24:39,680
well, but it's still probably
scary.

528
00:24:39,680 --> 00:24:42,840
It is, yeah.
Yeah, I can imagine that.

529
00:24:42,840 --> 00:24:50,120
And I would also say that God
uses everything to shape us and

530
00:24:50,120 --> 00:24:51,840
mold us.
So you might find yourself in

531
00:24:51,840 --> 00:24:54,440
financial trials and you'd be
like, OK, God, what do you want

532
00:24:54,440 --> 00:24:56,560
me to learn here?
Is there some sin in my life

533
00:24:56,560 --> 00:25:00,800
that you want me to get rid of?
Is there, you know, some trust

534
00:25:00,800 --> 00:25:05,000
issues that you want me to, you
know, so those can be tools in

535
00:25:05,000 --> 00:25:06,880
his hands as well.
I think, I think that's

536
00:25:06,880 --> 00:25:12,200
absolutely right.
Easier said than done and you

537
00:25:12,200 --> 00:25:13,760
know, it's not again, same thing
with the work thing.

538
00:25:13,760 --> 00:25:15,320
It's not like we just throw up
our hands like hey, I'm just

539
00:25:15,320 --> 00:25:16,800
trusting God.
We'll see what happens.

540
00:25:16,800 --> 00:25:18,680
I'm just camping out.
God's going to provide.

541
00:25:19,600 --> 00:25:23,400
Our last area is planning for
the future.

542
00:25:24,400 --> 00:25:26,760
You know, things like retirement
even maybe not as far ahead as

543
00:25:26,760 --> 00:25:28,240
retirement.
You're planning for maybe

544
00:25:28,240 --> 00:25:31,600
upcoming weddings for your 5
girls or whatever it is.

545
00:25:31,600 --> 00:25:34,280
It's like, how are you?
How are you planning?

546
00:25:34,280 --> 00:25:37,120
How are you, you know, building
an emergency fund, whatever in

547
00:25:37,120 --> 00:25:40,960
Luke 14, we, we read this verse
for which of you desiring to

548
00:25:40,960 --> 00:25:44,840
build a tower does not first sit
down and count the cost that

549
00:25:44,840 --> 00:25:46,840
that's just real life.
You need, you need to count the

550
00:25:46,840 --> 00:25:49,600
cost because if you don't,
people are going to look people,

551
00:25:49,880 --> 00:25:51,440
it's not good for you.
People are going to look at you

552
00:25:51,440 --> 00:25:53,000
and be like, what are we, what
are we doing here?

553
00:25:53,880 --> 00:25:56,680
So saving is definitely a
biblical principle.

554
00:25:57,240 --> 00:26:01,000
How do we balance that with
things like greed or not

555
00:26:01,000 --> 00:26:02,600
trusting God?
We just talked about trusting

556
00:26:02,600 --> 00:26:04,320
God.
How do we plan and trust God and

557
00:26:04,320 --> 00:26:06,960
and do those sorts of things?
No, I think that is tough

558
00:26:06,960 --> 00:26:11,440
because we're told explicitly
that your heart will go where

559
00:26:11,440 --> 00:26:15,040
your treasure is.
And when I was younger, I used

560
00:26:15,040 --> 00:26:19,240
to interpret that verse to say
that where your treasure is is

561
00:26:19,240 --> 00:26:22,040
an indication of your heart
barometer.

562
00:26:22,440 --> 00:26:25,280
And so if if you're not
investing in the right things,

563
00:26:25,280 --> 00:26:28,600
that's an indication that your
heart's not right, but and that

564
00:26:28,880 --> 00:26:31,520
there may be truth to that.
That's not what that verse is

565
00:26:31,520 --> 00:26:33,000
saying.
That verse is saying you can

566
00:26:33,000 --> 00:26:37,240
make a conscious decision to
invest your treasure someplace

567
00:26:37,520 --> 00:26:39,560
and naturally your heart will
start.

568
00:26:39,960 --> 00:26:41,280
Just a fact.
Yeah, A.

569
00:26:41,320 --> 00:26:44,840
Fact, reality being getting
entangled into that.

570
00:26:44,840 --> 00:26:51,440
So when you invest into a four O
1K or to savings, you know, your

571
00:26:51,440 --> 00:26:54,040
heart, I think is naturally
going to get bound up in that

572
00:26:54,040 --> 00:26:55,600
somewhat.
You're going to look at that.

573
00:26:55,600 --> 00:26:57,960
You're going to go check and go,
oh, what is what is it?

574
00:26:58,200 --> 00:27:00,960
Man.
I think that that's it can be

575
00:27:00,960 --> 00:27:03,320
balanced if you're also
investing your money in other

576
00:27:03,320 --> 00:27:06,680
places so that your heart is,
you know, and that you, you

577
00:27:06,680 --> 00:27:10,880
probably say to yourself self,
this is, you know, this is good,

578
00:27:10,880 --> 00:27:12,720
this is saving.
But you know, this is all God's

579
00:27:12,720 --> 00:27:14,760
and I'm just trying to be a good
steward of it so that you kind

580
00:27:14,760 --> 00:27:18,760
of check that that tendency to
become greed, greedy and

581
00:27:18,760 --> 00:27:20,520
prideful or whatever it happens
to be.

582
00:27:20,720 --> 00:27:23,480
Yeah, I, I, I think, I think
that is such good wisdom.

583
00:27:23,480 --> 00:27:25,440
And you look at all these
categories, it's like if you

584
00:27:25,440 --> 00:27:28,960
are, if you are looking at that
Excel spreadsheet or these line

585
00:27:28,960 --> 00:27:31,560
items in your budgeting, some of
the all of these things, I think

586
00:27:31,560 --> 00:27:34,920
kind of collide together where
you can see, oh, where am I

587
00:27:35,040 --> 00:27:37,400
putting my treasure?
You know, am I planning and

588
00:27:37,400 --> 00:27:38,960
providing for my family here,
here, here?

589
00:27:38,960 --> 00:27:41,200
Where am I wasting money or
where am I being a little greedy

590
00:27:41,200 --> 00:27:44,320
or materialism?
You know, I think I look at all

591
00:27:44,320 --> 00:27:46,800
of these different things and
it's like, man, you should just

592
00:27:46,800 --> 00:27:48,560
have a plan.
Whether you're micromanaging

593
00:27:48,560 --> 00:27:51,480
that every day or just like
loosely every quarter coming

594
00:27:51,480 --> 00:27:52,840
back to it.
You just, you probably shouldn't

595
00:27:52,840 --> 00:27:56,760
just be blindly going through
life and and not, you know, with

596
00:27:56,760 --> 00:28:00,600
no regard because that you don't
want to, you don't want to look

597
00:28:00,600 --> 00:28:04,400
ahead and you're 65 or 7011.
You're like, oh man, I I should

598
00:28:04,400 --> 00:28:05,960
have.
Saved a little bit.

599
00:28:06,040 --> 00:28:10,400
Yeah, yeah, yeah.
Man, any, any final words, I'll,

600
00:28:10,400 --> 00:28:13,440
I'll recap these areas we talked
about recognizing God's

601
00:28:13,440 --> 00:28:16,240
ownership, practicing
generosity, living within your

602
00:28:16,240 --> 00:28:19,720
means, saving wisely, avoiding
greed, providing for your

603
00:28:19,720 --> 00:28:24,000
family, trusting God in trials
and planning for the future.

604
00:28:24,480 --> 00:28:26,040
Using this these biblical
principles.

605
00:28:26,040 --> 00:28:28,920
We've got some got some leeway,
but it doesn't mean you can do

606
00:28:29,480 --> 00:28:32,600
whatever you want to do.
There's some you know you know

607
00:28:32,600 --> 00:28:34,480
parameters to live within.
Yeah.

608
00:28:34,480 --> 00:28:36,040
And I would say I think that's
good.

609
00:28:36,040 --> 00:28:39,800
Like there are parameters, but
it's not like it's a tight like

610
00:28:40,160 --> 00:28:43,120
your family and my family, we
don't have to look exactly the

611
00:28:43,200 --> 00:28:46,440
that's right, right.
The same in order to both be,

612
00:28:46,520 --> 00:28:48,640
you know, biblically basically
aligned.

613
00:28:48,640 --> 00:28:51,160
You can have some differences in
how you approach life.

614
00:28:51,160 --> 00:28:52,840
Yeah.
Even even you know, Miss Mr.

615
00:28:52,840 --> 00:28:56,840
Dave Ramsey, he's he's pretty by
the book with right.

616
00:28:56,840 --> 00:29:00,000
He's like no credit cards.
I use a credit card for every

617
00:29:00,000 --> 00:29:02,880
transaction because it's like
free points.

618
00:29:03,120 --> 00:29:05,040
Just, you know, you should, you
should definitely pay it off

619
00:29:05,040 --> 00:29:07,720
like every, I just, I'm always,
I'm, I probably like Pastor

620
00:29:07,720 --> 00:29:09,400
Joe's saying probably look at
I'm like everyday I'm like pay

621
00:29:09,400 --> 00:29:10,720
off the credit card just to make
sure I pay it off.

622
00:29:10,720 --> 00:29:14,400
But it's like, you know, might
as well get the free money or

623
00:29:14,400 --> 00:29:16,640
even there's been, this is
probably doesn't apply to most

624
00:29:16,640 --> 00:29:17,840
people.
There has been a lot of

625
00:29:17,840 --> 00:29:22,120
legislation in the last like 7
years revolving around student

626
00:29:22,120 --> 00:29:24,560
loans that has been like all
over the place.

627
00:29:24,560 --> 00:29:27,480
I pay very close attention to
this and there's like all these

628
00:29:27,480 --> 00:29:33,000
different plans I can enroll in.
And you know, it's good to look

629
00:29:33,000 --> 00:29:35,120
at these legal things as you
might, you know, that might have

630
00:29:35,120 --> 00:29:38,280
some bearing on, you know, what
your financial situation looks

631
00:29:38,280 --> 00:29:40,600
like.
But good.

632
00:29:40,600 --> 00:29:45,400
Hopefully that was some
practical advice for y'all other

633
00:29:45,400 --> 00:29:47,840
categories to pick up in the
future giving tithing.

634
00:29:48,720 --> 00:29:51,120
Yeah.
So we want to look at like the

635
00:29:51,120 --> 00:29:54,920
Old Testament frame of reference
for what is tithing and offering

636
00:29:55,560 --> 00:29:59,080
and how did that work?
And then ask ourselves in

637
00:29:59,080 --> 00:30:01,400
another podcast, does this apply
to us today?

638
00:30:01,400 --> 00:30:02,880
What does it look like for a New
Testament?

639
00:30:03,000 --> 00:30:03,880
Yeah.
I like it.

640
00:30:03,880 --> 00:30:07,840
So we'll continue on with these
financial podcasts.

641
00:30:08,040 --> 00:30:09,360
Thanks for hanging in there with
us.

642
00:30:09,840 --> 00:30:13,200
That's our take.
Thanks for listening to Take

643
00:30:13,200 --> 00:30:15,400
TWO.
Find us wherever you find

644
00:30:15,400 --> 00:30:17,920
podcasts and on YouTube for
those who want to watch our

645
00:30:17,920 --> 00:30:18,600
video cast.