Managing Money God’s Way: Biblical Principles for Financial Success with Darryl Lyons

Show Notes

Podcast Startup Services: www.faithfullyengaged.com

Do you ever feel overwhelmed trying to manage your money from a biblical perspective? I recently had a fascinating chat with financial advisor Darryl Lyons about this very topic. Darryl has advised thousands of clients over 20+ years and offered incredible scripture-based guidance. I learned so much about what it really means to align our finances with our faith.

Here are some key takeaways:

– It’s dangerous to pursue wealth independent of Christ. Scripture warns against arrogance and misplaced hope in money. Staying grounded in humility is key.

– We must fully integrate our finances with our faith – they can’t be separate. This means praying about all financial decisions and seeking wisdom from God’s word.

– Start giving faithfully to your local church and/or Christian charities. This act of trust can replace worry and anxiety with joy and purpose.

I hope this motivates you to evaluate your own finances biblically! Please feel free to comment below if this discussion brought up any questions or reflections for you. Blessings!

Pre Order Darryl’s Book: https://amzn.to/3StRFGt

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Transcript

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Do you enjoy listening to podcasts and think, man, I would like to make my own podcast.

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This is where I found myself last year, and I have learned a lot about what to do and

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a lot about what not to do.

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Find out more information at faithfullyengaged.com.

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I have a link down in the description below if you would like help on getting your podcast

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started.

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Hello, everyone, and welcome back to another episode of Faithfully Engaged.

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On today’s episode, we’re talking about a very important topic about money, about finances.

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This is something that, whether you hate numbers or love numbers, hate money or love money,

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you have to deal with it.

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And I think it’s even more important that we deal with it from a Christian biblical

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worldview.

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So today, my guest name is Darrell Lyons.

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So Darrell, why don’t you tell us a little bit about yourself?

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Yeah, I’m Darrell Lyons.

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I’m from the South Texas area.

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I live in a little town called New Braunfels now, which is between San Antonio and Austin.

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And we didn’t have a lot of money growing up, so I just became really curious about

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money at a very young age.

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And that never really stopped.

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Even to this day, it’s a curiosity oftentimes that drives my behavior and it ultimately

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benefits the people that trust me with money.

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Today, I provide leadership to an organization called PAX Financial Group.

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PAX Financial Group is an investment advisory company in San Antonio, Texas.

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And so I was an advisor for, since 1999, and then moved into more of a leadership role,

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providing strategy and vision and finding kinks in the hose.

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And so that’s what I do today.

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Great.

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I would love to hear a little bit more about your curiosity about money.

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And I’ll give you a little bit of a personal story here, too.

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I’ve always enjoyed just financial things, money, like trying to find ways to make it

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last longer.

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One of my earlier memories is I’d get money for my birthday or something.

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And my sister, when she’d get money for her birthday, it’s gone.

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It was gone in a week.

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And then she would look at me at the end of the year like, where did you get this money

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from?

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It’s from birthday.

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I haven’t spent it yet.

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So I’ve just always had this kind of curiosity with it.

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So tell me a little bit about that curiosity on your end as a child and what you ended

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up doing with money when you were growing up?

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Yeah.

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So when I was younger, we lived in a little town called Bernie.

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It’s a German town in the Texas Hill Country near San Antonio.

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And my dad was doing pretty OK.

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My mom had me when she was 16.

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And my mom, my dad was 20.

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So they had to find their spot in the economic world.

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And so my dad actually did pretty well.

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He’s pretty good at his job.

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So there was a time where we had a house, a boat, a motorcycle, a couple cars.

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It was going pretty good.

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And then in 1987, there was a market crash.

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They called it Black Monday.

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And in the South Texas area, savings and loans collapsed and oil collapsed.

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And so that left my dad without a job.

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And so since that time, they had struggled to get their footing.

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And that created, as you can imagine, a lot of marital challenges and just a lot of tough

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times for our family.

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Ended up moving to a little trailer park in Castroville, Texas, which is, again, another

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Texas small town.

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And we were living in this little trailer park, seeing a white trailer.

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And I’m edging the edge of our home.

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There’s weeds.

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And you got to be careful when you use a weed eater next to skirting on a mobile home because

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it could crack the skirting.

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And I’m edging and I’m wondering, how do people have houses with foundations?

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That was the thought that was going through my head.

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And there was a friend of mine and her dad was a banker.

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And he is the president of a bank.

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And I thought, man, they have a house with a real nice foundation.

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Maybe I could be a banker.

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And so I ended up getting a scholarship to a local university, St. Mary’s University

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in San Antonio.

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But I had to pay for my own way.

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And so I got a job at a local bank.

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It was Bank of America’s time.

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And that’s how I paid my way through school.

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I ended up getting a degree in accounting.

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A teacher said, hey, you understand this accounting stuff.

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Can you tutor other kids?

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I had an affinity towards that.

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And then I took a class where they gave us a bunch of fake money and whoever made the

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most money at the end of the semester got the best grade.

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I won that.

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And so at the end of my college career, it took me four and a half years to get to the

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two degrees.

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And I just didn’t know what to do because I understood banking, this lending thing,

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and then accounting and finance.

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So I had to find a career.

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And I found this one called Certified Financial Planner.

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And so that’s how that ended up being a career.

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And that’s where my curiosity led me.

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And going back to the childhood, one of the things that I did that I started to learn

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a little bit more about money was actually collecting sports cards, which I still do

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today.

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I still collect sports cards to this day.

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And I used to run little shows.

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Like you would go to the shows and set up a table and sell sports cards.

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I used to do that and learned about trading and transactions and negotiation.

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But it was fun for me.

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I did that.

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And like I said, I still do that today.

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Really never, I don’t know if I was, I think my brother was actually a better saver than

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me.

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But I was never, there was never one extremer the other.

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I was, if I bought something, it was always prudent or I’d have the money or I’d save

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for it.

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But never had anything that was money that was burning a hole in my pocket.

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But the main thing is, is I became curious not only about money, but how rich people

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did life.

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I didn’t know a lot of rich people.

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And so I started to pay attention to their behaviors and actions and study them.

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And of course, since then I’ve counseled tens of thousands of people with money.

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Many of them are wealthy and learned a lot.

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And it’s made me a better person, not because, not because, you know, I just hang out with

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rich people, but just being observant of what’s worked and what hasn’t worked.

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But I’ve seen people who are extremely wealthy that are very unhappy.

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And I’ve seen, you know, extremely poor people with a lot of joy.

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And so I don’t just, these experiences just don’t pass in my life without me reflecting

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on them deeply.

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And so over the years I’ve just been a lot of time reflecting and writing and leading

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others and taking these conversations and this wisdom that, you know, I’ve developed

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through the lives of others and try to pass that along as best as possible.

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I’m going to ask you to do something that I know you can’t line out perfectly, especially

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in the midst of a podcast.

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But what you were talking about there of kind of those habits of people that are wealthy,

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richer people.

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Part of why I’m asking this is if you just look into probably just common culture, rich

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people are evil.

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They only got that way because they were born rich and we need to, you know, tax them 90%

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and that will solve all the world’s problems, right?

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That’s kind of the common vernacular that people see.

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And I think you would be able to see that that’s pretty false pretty quickly.

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So what would you say are some of those common habits, money type of habits from those that

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are wealthy and good with their money?

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How do people get that way?

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Yeah, it’s a good question.

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Gosh, you know, I’m not even sure if you’re rich, you’re good with your money.

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That’s the funny thing about it.

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A lot of times people get rich because they’ve got some specific skill set that got them there

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and they’re just horrible with money.

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I see that a lot.

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But the irony of it is, is like, they’ll have this skill set.

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Oftentimes it’s skill at selling something and they, they’re good at selling something.

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They found a niche market and then the demographics were favorable.

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So you know, let’s say somebody was good at selling cars and they, they were, they just

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landed in the Tesla business and Teslas were real popular and during that six or seven

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years they were, you know, they were all great at selling stuff.

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And then they, the problem happens and this is why I’m just, I’m really just passionate

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about my relationship with Christ is because it really in a lot of ways sets them up for

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failure because then they get this degree of arrogance that they have a skill set that

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really doesn’t exist.

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So they make bets with bigger dollars on themselves and oftentimes fail.

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And that is not uncommon.

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So yeah, the, the one thing that I found was fascinating as I learned along the way is

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that some people who are rich are very, really not good with money.

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It’s crazy.

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And so, you know, sometimes they, they stop the bleeding when they make these big mistakes

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and they can recover.

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But I did, I did find that fascinating that people who have a lot of money sometimes they

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just kind of, I mean, there was definitely skill sets, but they kind of got lucky along

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the way.

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So that’s interesting.

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I think worthy of just pointing out, I think that, that I’ve certainly recognized that,

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that it’s so dangerous to have money independent of Christ.

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I mean, there’s over 2000 scriptures on money.

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So this is a very serious topic.

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And so the pursuit of wealth, you know, we know in Timothy says command those who are

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rich and present age not to be arrogant nor to put their hope in wealth.

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But we know that when people do put their hope in wealth and they have success that

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if they don’t have this Christ centered way of life that there will be other things that

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fall, whether it’s making a big mistake because they’re out there, their senses were altered

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because of the altitude of where they’re at, or they fumble in other areas of life, health

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or their children.

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So man, I just think that wealth can be very dangerous if it’s done independent of Christ.

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I’m really cognizant of that now, but I’m not, I’m not of the camp, which you had mentioned

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that rich people are evil because I’ve been poor and I’ve been rich and I know there’s

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people and mean people in both demographics.

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I’ve seen very, I’ve seen extremely selfish people, hoarders and not willing to share

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and they’re poor and then I’ve seen rich people abundantly give with just a generous heart.

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So it’s just, it’s interesting because I don’t, I think that there is, there are some

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lessons to be learned about if you’re poor and you’re thinking, I often think of poor

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and broke kind of different because I always think poor is more permanent and broke is

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pretty temporary, but if you’re in a place where you’re like broke and maybe even in

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that profile of poor and you’re thinking, I want to get there, I think there are some

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mindset shifts that have to take place to move from being poor to rich.

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I think you, you’re parsing out some really good things there.

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I’ll kind of start there at the end of your financial status is more of just something

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that exists.

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Like sure we would rather be able to have our own needs met and our family needs met,

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but the end goal, especially from the Christian worldview is not get as much money as you

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possibly can before you die.

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That’s not a healthy goal to have.

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Nor is the other end of die as poor as you can.

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Those are not things that we’re striving towards as a Christian.

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We know what we’re supposed to strive towards.

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We’re supposed to strive towards Christ to be more like him.

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And he hit there as a sense there of that sacrificial love, sacrificial giving that

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is absolutely a huge part, but you can do that from someone that’s being wealthy.

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You can do that as somebody that’s, that’s poor, but that is a heart perspective.

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And separating that from rich people, bad poor people, good or vice versa.

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You can say rich people, good, poor people, bad.

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We need to get out of that mindset.

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And I would love for you to go further into, you’re already hitting on kind of what, what

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scripture says about money.

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What do you feel like a good biblical worldview, biblical principles around finances?

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If you’re coaching a person, a family, what are some of those tips, those principles that

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we need to have to look at finances biblically?

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This is kind of a silly thing, but I’ve got it here.

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I, I memorize scriptures and I write them on index cards and then I kind of carry them

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around with me.

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And I’ve, I’ve enjoyed doing that.

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And then this year God said, okay, yeah, I don’t hear God, I’ll believe course, but

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you know, just start memorizing scriptures on money, right?

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So there’s over 2000 and you know that that statistic can be, can vary because there’s

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different ways to think about how money is expressed in the word of God, whether the

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word well, there’s a lot of different, a lot of different variations and thoughts on money.

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It’s just so fascinating that the word of God is, is, is expressed as so much in this

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space.

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So I just really been really, really just leaning into this and God’s just doing some

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amazing things.

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And so your question is awesome.

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So all I’m going to do is randomly, I just randomly, I’ve got.

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50 of these and they’re around my house and they’re, sometimes, you know, you get home

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and you put your change in your keys somewhere.

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Well, I also, these index cards go to that same place.

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And so, so I just pull one out randomly.

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And so you can enjoy this with me because for me, I enjoy the scripture.

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It’s sharper than a two edges sword.

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So this one here says, but remember the Lord your God for it is he who gives you the ability

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to produce wealth.

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And so confirms the covenant, which he swore to your forefathers as it is today.

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Now that’s in Deuteronomy 18, like that’s old school stuff, right?

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That you would expect.

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Okay, you’re going to get some good stuff from James or Romans or some of this really

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good Holy Spirit.

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This is just old school stuff that’s telling you, remember the Lord your God because we

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are at the end of the day, we are a flawed individuals who forget all the time.

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So here we have an again, a reminder in Deuteronomy.

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Remember the Lord your God for it is he who gives the ability to produce wealth and that,

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the humility is so important as we continue to grow.

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And that’s why I kind of alluded earlier that it’s kind of interesting how I see people

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just just the lack of humility as you start to have some success.

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It works a lot in stock trading.

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So you know, I’m in this, I do a lot of stocks and wealth stuff.

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And so I mean, I’m financial advisor is my trade.

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But what happens in the stock market, when you have a bull market, when things are going

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well, what happens is, is you end up learning some trading strategies and you buy some stocks.

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So maybe you buy Tesla as I alluded to earlier.

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So you buy Tesla and you make some money on it.

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You’re like, man, I just spent, you know, $250 in that.

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Now I’m going to go and, and I’m going to put a thousand in it because I think I’ve got

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this thing figured out.

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And then you do it again, you do it again, and then you’re starting now you’re starting

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putting $10,000 in and then all of a sudden the market turns on you.

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And your strategy that you thought you had really buttoned down didn’t quite work.

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And that’s the same thing that happens in life.

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And so the idea that the best antidote to is, is humility is just, is just staying grounded

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and remembering it’s the Lord your God who gives you the ability to produce wealth.

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So if you get to a place and you’re just totally confident in your skill sets, I know that having

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confidence is important, right?

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But that’s not the issue that we have in society.

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Our bookshelves are full of self-help confidence books.

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We don’t have a, a, a need to learn more about our confidence.

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We have a need to learn more about engaging our creator who has confirmed in Deuteronomy

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gives us the ability to produce wealth.

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And so going to him and just asking for this wisdom to, to understand how do I produce

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wealth, nothing wrong with wealth, but that means how do I get the job that I need to

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get to earn an income?

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How do I impress my, my boss with my skill sets?

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How do I start a business?

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I mean, really getting, getting with the creator and saying, I, I don’t have the ability to

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produce wealth, but you do Lord.

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So I’m going to trust you in this.

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And so that, that’s really what it comes down to.

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But that’s all the time that’s that when you’re starting out and that’s when you’re successful.

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So that mean, gosh, I could talk about this.

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This is a great question.

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And continue every single car just brings life to me because I just recognize that, that,

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that God has really wired us to engage with him and money and money is, is one of those

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subjects that sometimes we disconnect our creator.

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We just completely disconnect.

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And I’m suggesting that that’s really, that’s really not the way of life.

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I think that is one is, is I love the, the index card, kind of the strategy that you

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have there of just having the word of God nearby you.

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I’m a huge fan of having anything.

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Now my wife has done stuff on our bathroom mirror before of writing verses.

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I know people put stuff on there on their refrigerator, on their phone, yeah, whatever

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works that you have, you can have with you.

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It’s that powerful.

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It’s that important.

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Second thing that really stuck out to me is like you referenced, this was Deuteronomy.

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This wasn’t, this wasn’t Jesus words.

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It wasn’t Paul’s words.

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And sometimes, especially as Christians, there’s a reason why we go to the New Testament

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a lot because of Christ, like it’s important.

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But we forget that Deuteronomy, the Old Testament, all of it’s important.

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All of that is that biblical wisdom and ultimately points to Christ.

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So we don’t need to throw away Deuteronomy.

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We don’t need to throw away Leviticus and Isaiah and all that.

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They’re important.

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There’s wonderful, wonderful wisdom there.

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And to tie that up to what you just said there, I mean, we could take this outside of finances

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and separating Christ from your profession, from your education, from your family, from

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anything, you’re missing the point.

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There’s not, there’s not church on Sunday and then the rest of your life, you do your

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own thing.

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No, that humility, like you said, we need heaping doses of that.

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And I’m sure you could say this for yourself.

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I say it for myself that there’s many times that I’m humbled, that I look through my life

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and I’m grateful for some of the good things I have.

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And I start really believing because of all the great things that I’ve done of why I have

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that and how humbling is that to come to scripture and realize, wait a second, this

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isn’t about you.

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God’s the one that provides wealth.

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So I think that it was an absolute wonderful display of biblical wisdom there.

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Yeah, thank you.

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I’m just, I’m completely on board with what you said, you know, the idea of just, it’s

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just such a hard thing for Christians because we want to build this confidence.

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And then we also want to have Christ’s confidence.

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But I just really think that the idea of engaging our Creator with all things money is really,

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I think the only way to go because I think about like me growing up and my, you know,

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my mom, she’s, you know, dad, you know, they struggled and there’s times where they had

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to say, you know, Christmas might not be here this year or it might be tough.

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And you know, that’s for a kid that’s difficult to digest.

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And for me as a kid, I hurt not just for presents, but I actually hurt for my parents.

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I was like, man, this sucks for my family.

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And but see when you’re engaged with Christ, if and you’re struggling like that, you, there’s

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revelation that, that God in those circumstances was actually doing a good work on me to prepare

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me for today, which was much bigger than Christmas.

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Like so, so God uses sometimes we have to just when we engage with God in tough circumstances,

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we can sometimes get glimpses of how God is using these tough circumstances for something

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greater, even generationally in some cases.

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But when we get independent of Christ, we get all squirrely and worried and uncomfortable.

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But, but man, I think that it’s a really beautiful relationship when we, when we can bring in

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all of our financial thoughts and put them before the Lord and then go in scripture and

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he reveals some of some of the powerful things he’s done in the past with people he’s loved.

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And now he, how he, how he uses money in such a way that glorifies him.

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And we just have to be patient in that process and trust him.

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One thing when you were talking earlier that came to my mind.

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So through my, through my day job as a, as a counselor, I talk about finances fairly

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frequently depending on what’s going on.

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It’s obviously a pretty big life stressor that people go through.

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And I don’t have this research right in front of me.

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I’m sure you’re aware of this as well.

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And you’re filled that suicide is really predicted based off of financial crises.

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2008, 2009, big financial crises, suicide numbers went up pretty significantly.

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And as a counselor, obviously that’s, that’s concerning and just as a human, like we don’t

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want people, um, harming themselves based off of finances.

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But you can see real quick that if we separate ourselves, now it’s my self worth on the line,

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my confidence, my ability to provide, uh, oh, I lost all this money.

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Essentially they just lose hope.

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They lose any hope in themselves and providing.

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And that’s why it’s so important to not separate that from, from Christ, like you’re mentioning

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there.

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Um, yeah, you’re still going to be upset.

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You’re going to be in despair if you lose in some cases, everything.

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But as a, as a Christian, as a Christ follower, we have hope that God works all things, um,

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to, to the good to is good.

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And we may not always understand that in the moment, but we have that hope.

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We have that trust.

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Um, and yeah, if our hope is in that money, maybe things are good for now and maybe they’ll

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be good for a good chunk of your life.

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But if things go downhill, they go downhill fast.

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And we really need to be careful, especially as Christians to, like you’re saying, not

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separate God from that wealth, um, cause he can work those down moments just as much as

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the up moment, um, up moments.

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Yeah, he really can.

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Um, I just, I know it’s hard.

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Like man, right now, um, you know, the, the healthcare, right?

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Health insurance, um, we use like a Christian sharing plan, which is good.

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But even then all that stuff’s expensive for families.

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I mean, so you’ve got that, you’ve got, um, you know, worried about how do I pay for my

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kids college?

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Um, and then of course we know inflation, you know, we had 9% inflation.

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So that trickles through the system pretty hard, you know, groceries.

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I can’t believe how much I just go in and get a few things from the grocery store and

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I’m like, that was $95.

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And I look at the late, she goes, yeah, I go, that used, that, that used to be like,

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seemed like 40 or 50.

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So, um, yeah, man, I, I, this is tough.

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I mean, it’s tough.

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It’s, it’s kind of from a, from one perspective, we, we sit here and go, you know, um, we’re

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the richest nation in the history of the world.

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So how tough is it?

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Right?

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Um, you know, there’s kids eating munt pies.

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You know, I, I’m, I’m a, I, I have compassion children.

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So I get to have a point of reference, but, um, it’s not the point of reference that I,

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you know, I could have, but a lot of us don’t even have a point of reference.

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So what I’m trying to say is that, um, our difficult times, um, are a not that difficult,

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but B they are, they are, they are still your difficulties, right?

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They’re your unique challenges.

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You’re like, I understand, I understand there’s kids in Africa.

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I understand that, but I’m a mom and I don’t have any more money and my kids need braces.

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So this is actually hard, Darrell.

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I know this is hard.

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This is, I know there’s kids in Africa, but Darrell, my kids need braces and this is,

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I’m scared.

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I say all that because, um, apart from him, we can do nothing.

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And so what does it mean to be a Christian?

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What does it really mean to be a Christian?

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But when it comes to money, the faith is gone.

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Like how is that possible that we completely, every other part of our life on Sunday, but

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we pray before dinner, but when it comes to our money, we completely, completely disengaged

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from our creator.

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Like there’s no prayer.

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There’s, there’s futile prayers.

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There’s no getting in the word.

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There’s just complete worry and anxiety.

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Um, this is evident in the statistics today at anxieties at an all time high.

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And so my question to Christians is we’re called people of the way, you know, originally

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people of the way.

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So there’s got to be a different way of thinking about money than everyone else.

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And it’s my conviction that, um, that when he says I’m the way, the truth in the life,

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no one can come with the father, but through me, there’s a different way of life and the

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byproduct of our trust in him is love, joy, peace, patience, kindness, generosity and self

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control.

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So when it comes to money, it’s not going to bring us joy ever independent of Christ.

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So I’m really trying to, I’m really trying to make sure that when we, when I talk to

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my community of people that we’re advising, I really want us to really get in a place

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where we’re not having money conversations here in church on Sunday, but we’re really

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fully integrating our money, um, with our faith.

428

00:29:48,320 –> 00:29:52,360

And, and that’s, that’s something that’s been lost in the body of Christ.

429

00:29:52,360 –> 00:29:55,960

And, um, I’ve been talking about a lot more lately.

430

00:29:55,960 –> 00:30:02,960

I think that that’s again, an extremely good point that we need that infused in everything.

431

00:30:02,960 –> 00:30:13,360

Um, I’ve had a fairly recently different perspective as far as finances go in the church just because

432

00:30:13,360 –> 00:30:19,280

this past year, um, I’m the, I run the offering and do the budget and everything at church.

433

00:30:19,280 –> 00:30:23,680

So I’ve never been behind the scenes with, with that kind of stuff before.

434

00:30:23,680 –> 00:30:30,040

Um, and something I was actually really glad that my pastor, um, kind of warned me of,

435

00:30:30,040 –> 00:30:38,240

uh, going in was to just check yourself because now I have access to who’s giving what, um,

436

00:30:38,240 –> 00:30:44,080

and he’s like, you need to check yourself because you might get into, well, why aren’t

437

00:30:44,080 –> 00:30:45,960

they giving this much or whatever?

438

00:30:45,960 –> 00:30:51,000

And the best I do, I try to just block names out the best I can.

439

00:30:51,000 –> 00:30:52,440

That’s not fully possible.

440

00:30:52,440 –> 00:30:57,920

But, um, anyways, I’ve, it’s been, it’s been a really interesting journey just seeing this

441

00:30:57,920 –> 00:31:05,640

side of things and it’s gotten me really interested in how people look at church giving, um, giving

442

00:31:05,640 –> 00:31:07,280

to the, the offering.

443

00:31:07,280 –> 00:31:16,240

Um, and something that my pastor’s really been counseling us on is to making giving,

444

00:31:16,240 –> 00:31:23,040

um, a, making it a, a discipline and not just a, oh yeah, that’s the thing we do.

445

00:31:23,040 –> 00:31:25,680

Um, he said this.

446

00:31:25,680 –> 00:31:29,560

It’s kind of one of those good and bad things that we had, like this is the way I give to

447

00:31:29,560 –> 00:31:35,880

that is set up like on an automatic, um, amount and his kind of counsel on that is like, that’s

448

00:31:35,880 –> 00:31:42,320

really good because you know, that’s again, that discipline and it provides you to not

449

00:31:42,320 –> 00:31:45,000

kind of just like, I don’t really want to give this much.

450

00:31:45,000 –> 00:31:47,080

Um, like you just do it.

451

00:31:47,080 –> 00:31:54,240

But he said one of the issues with that is it can kind of separate the kind of the spiritual

452

00:31:54,240 –> 00:31:55,240

part of that.

453

00:31:55,240 –> 00:32:00,240

Like you can, it’s a little bit easier to pray over the check that you put in the offering

454

00:32:00,240 –> 00:32:05,400

plate and say, you know, let this be used for, for your glory or whatever.

455

00:32:05,400 –> 00:32:07,880

Um, so I guess kind of leading into that.

456

00:32:07,880 –> 00:32:14,760

Um, what would you say are some ways to make, um, just giving specifically to the church,

457

00:32:14,760 –> 00:32:21,680

but in general, how we can make that more of a spiritual, um, moment and, and making

458

00:32:21,680 –> 00:32:25,760

it more of a joy, um, which is what we’re called to do.

459

00:32:25,760 –> 00:32:26,760

Yeah.

460

00:32:26,760 –> 00:32:33,720

You know, I, I’m a little squirrely here because, um, you know, my, you know, my pastor friends

461

00:32:33,720 –> 00:32:35,320

might not a hundred percent agree.

462

00:32:35,320 –> 00:32:37,880

So you can take this for what it’s worth as a throw it out.

463

00:32:37,880 –> 00:32:39,800

But, um, I’m a giver.

464

00:32:39,800 –> 00:32:46,560

You know, when I, um, I was completely broke and, um, had my first born and we only had

465

00:32:46,560 –> 00:32:49,120

one car and I was a financial advisor with one car.

466

00:32:49,120 –> 00:32:56,000

It’s like having a shop teacher with four fingers and, um, I left my office keys at the

467

00:32:56,000 –> 00:33:03,160

house and so I was trying to go to work really early to work myself out of this challenge

468

00:33:03,160 –> 00:33:07,240

and predict that I’d put myself in because we were just starting the business out.

469

00:33:07,240 –> 00:33:12,840

This was, you know, pre 2007 and my credit card had equaled my income and so I was just

470

00:33:12,840 –> 00:33:13,840

trying to make things work.

471

00:33:13,840 –> 00:33:20,880

I was doing cash advances and just really nonsense stuff and, um, just trying to survive

472

00:33:20,880 –> 00:33:23,920

and, um, I was like, well, I’ve lived in the trailer.

473

00:33:23,920 –> 00:33:24,920

It’s not so bad.

474

00:33:24,920 –> 00:33:25,920

I could do it again.

475

00:33:25,920 –> 00:33:29,280

And, but the sinking feeling came, came over me that morning that I couldn’t get in the

476

00:33:29,280 –> 00:33:31,840

building cause I left the office keys at the house.

477

00:33:31,840 –> 00:33:33,720

Um, and it was early morning.

478

00:33:33,720 –> 00:33:35,120

So no one was able to get me in.

479

00:33:35,120 –> 00:33:38,240

So I sat in my car and cried cause I was like, I’m going to fail as a dad.

480

00:33:38,240 –> 00:33:39,640

This, I’m starting out with my first born.

481

00:33:39,640 –> 00:33:42,240

We have four now, but at the time I was just nervous.

482

00:33:42,240 –> 00:33:48,760

And I remember telling God, I was like, okay, I’m going to low, um, and I’m scared.

483

00:33:48,760 –> 00:33:53,200

And, um, at this point I’m going to trust you with my first fruits because prior to

484

00:33:53,200 –> 00:33:54,760

that I gave when it was convenient.

485

00:33:54,760 –> 00:33:58,480

I would give, you know, sporadically.

486

00:33:58,480 –> 00:34:01,240

But at this point I was going to make a commitment and Lord, I’m going to give to you my first

487

00:34:01,240 –> 00:34:05,800

fruits, um, regardless of my circumstances and I was completely broke, right?

488

00:34:05,800 –> 00:34:10,240

So I didn’t have the money to give my first fruits, but I was going to do it anyways.

489

00:34:10,240 –> 00:34:12,080

Now this was not a contingent plan.

490

00:34:12,080 –> 00:34:14,920

This was not like God, if I start giving you, I want you to bless me.

491

00:34:14,920 –> 00:34:20,920

This was just me just saying, I’m going to try this trust me now.

492

00:34:20,920 –> 00:34:25,840

And, um, um, I committed to that and I’ve never stopped.

493

00:34:25,840 –> 00:34:26,840

Okay.

494

00:34:26,840 –> 00:34:29,440

So this is where it gets squarely where to give.

495

00:34:29,440 –> 00:34:34,360

Um, so first, well, before I get to where to give, um, some people wrestle with, do

496

00:34:34,360 –> 00:34:36,400

I give from the gross of the net?

497

00:34:36,400 –> 00:34:37,400

Right.

498

00:34:37,400 –> 00:34:38,400

Okay.

499

00:34:38,400 –> 00:34:39,400

Well, let’s go into theology.

500

00:34:39,400 –> 00:34:40,400

What does it say?

501

00:34:40,400 –> 00:34:41,400

Okay.

502

00:34:41,400 –> 00:34:43,280

It says render in her seizures, what is seizures?

503

00:34:43,280 –> 00:34:44,360

And then she, okay.

504

00:34:44,360 –> 00:34:48,360

Maybe it’s that means the, you know, net, I don’t know, you could get into weird theology

505

00:34:48,360 –> 00:34:53,320

stuff, but, um, typically it’s, it’s gross, but it’s a challenge.

506

00:34:53,320 –> 00:34:57,120

Look, that’s a real challenge because if you look at this gross number and then you take

507

00:34:57,120 –> 00:35:03,440

out the healthcare and taxes, you’re like, Oh, I don’t really have much left, but that’s,

508

00:35:03,440 –> 00:35:07,000

that would be the goal is to, to do it on the gross number.

509

00:35:07,000 –> 00:35:08,000

That would be the goal.

510

00:35:08,000 –> 00:35:10,120

But some people just are struggling to get there.

511

00:35:10,120 –> 00:35:13,560

Americans, on average, give 1.5%.

512

00:35:13,560 –> 00:35:16,640

Um, Christians give 1.8.

513

00:35:16,640 –> 00:35:21,720

If you go a little deeper on office, Barna or whoever did this, but if you look at practicing

514

00:35:21,720 –> 00:35:25,520

Christians, which right, we have this cultural Christians, that’s why they’re so close.

515

00:35:25,520 –> 00:35:29,040

But if you go to practicing Christians, those that read the Bible and go to the church,

516

00:35:29,040 –> 00:35:32,120

that’s closer to 3% or above 3%.

517

00:35:32,120 –> 00:35:36,200

So go Christians were twice as giving as the secular public.

518

00:35:36,200 –> 00:35:37,800

Um, but still 3%.

519

00:35:37,800 –> 00:35:40,200

Like, okay, wait, that’s not really a tent.

520

00:35:40,200 –> 00:35:42,160

That’s really not a tide.

521

00:35:42,160 –> 00:35:45,280

Um, so we’re still falling short.

522

00:35:45,280 –> 00:35:47,200

So here’s, here’s my perspective.

523

00:35:47,200 –> 00:35:50,040

I’m like, okay, what’s, what’s the impediment?

524

00:35:50,040 –> 00:35:51,880

Like what’s the challenge?

525

00:35:51,880 –> 00:35:58,760

Well, um, you know, I mean, you just scratch the numbers down and it’s hard for family to

526

00:35:58,760 –> 00:35:59,760

give.

527

00:35:59,760 –> 00:36:00,760

It just really is.

528

00:36:00,760 –> 00:36:04,040

Um, certainly priorities are out of whack.

529

00:36:04,040 –> 00:36:07,960

I can tell you that because, you know, they’re, they’re, they’re still buying stuff.

530

00:36:07,960 –> 00:36:09,520

They just, this giving thing.

531

00:36:09,520 –> 00:36:11,680

So do I get caught up on the gross and net?

532

00:36:11,680 –> 00:36:12,680

Not so much.

533

00:36:12,680 –> 00:36:15,200

I’d say the gross would be a goal.

534

00:36:15,200 –> 00:36:18,520

But if you give 10% of the net, look, okay, cool, just do that.

535

00:36:18,520 –> 00:36:19,520

That’s fine.

536

00:36:19,520 –> 00:36:23,960

Um, and then the other thing is jump making the leap from zero to 10%.

537

00:36:23,960 –> 00:36:26,520

I’ve seen that as a real challenge over the years.

538

00:36:26,520 –> 00:36:29,040

Um, good Christian people haven’t been giving.

539

00:36:29,040 –> 00:36:32,760

And then all of a sudden I’m telling them about these scriptures and how, you know,

540

00:36:32,760 –> 00:36:37,600

how important it is and they’re like going from zero to 10% and they put the dollars

541

00:36:37,600 –> 00:36:40,880

on there like, I don’t know, that’s a lot.

542

00:36:40,880 –> 00:36:44,920

So, um, I’d say, you know, ease into it.

543

00:36:44,920 –> 00:36:49,800

If you need to do three, four, five, whatever it is, get there though, you can get there.

544

00:36:49,800 –> 00:36:53,640

Finally I get to the other place where people are like, well, yeah, but I’m just not, I’m

545

00:36:53,640 –> 00:36:56,080

just not all sold on my church.

546

00:36:56,080 –> 00:36:58,040

Like, and then I say, okay, well, why are you going there?

547

00:36:58,040 –> 00:36:59,280

You’re not sold on your church.

548

00:36:59,280 –> 00:37:02,040

I mean, you know, and so they don’t want to give all to their church.

549

00:37:02,040 –> 00:37:06,440

Well, I, I, I, this is, this is where the pastor may take issue.

550

00:37:06,440 –> 00:37:10,520

I’m not, um, I’m not really concerned about the steeple so much.

551

00:37:10,520 –> 00:37:14,640

There’s a lot of para churches and ministries that if you wanted to give to them, that’s

552

00:37:14,640 –> 00:37:15,800

fine with me.

553

00:37:15,800 –> 00:37:20,160

Um, I’d say your priority should be your local church, just like mine is.

554

00:37:20,160 –> 00:37:25,760

But if you wanted to enjoy the giving differently, because there’s a part of the joy factor that

555

00:37:25,760 –> 00:37:30,920

I think is encouraging and you say, okay, I’m going to give 75% to the church, but this

556

00:37:30,920 –> 00:37:35,120

other 25%, I’m going to give to, I’m going to make it up a compassion.

557

00:37:35,120 –> 00:37:36,120

Okay.

558

00:37:36,120 –> 00:37:42,680

Like, I’m like, like, I don’t have any issues with any of these strategies.

559

00:37:42,680 –> 00:37:48,200

Um, some pastors and they say, and all needs to go to the church, the steeple church, I’m

560

00:37:48,200 –> 00:37:53,160

not caught up in that because I think that we’re still so far away from what, uh, from

561

00:37:53,160 –> 00:37:54,160

getting there.

562

00:37:54,160 –> 00:37:57,920

And I think at the end of the, without any debate that God loves a cheerful giver.

563

00:37:57,920 –> 00:37:58,920

Right.

564

00:37:58,920 –> 00:37:59,920

We do know this.

565

00:37:59,920 –> 00:38:05,760

So how we get there, I’m not so much legalistic about, but I did give, I think some approaches

566

00:38:05,760 –> 00:38:13,560

that everyone can adopt and maybe some objectives and goals, uh, for people to, to aspire to.

567

00:38:13,560 –> 00:38:20,000

But the, the, I’ve alluded to the anxiety and worry that our country has today and many

568

00:38:20,000 –> 00:38:23,120

of us are Christians that experience this worry.

569

00:38:23,120 –> 00:38:26,840

And I’ve sat down with families, kneecap to kneecap, thousands of them that have worried

570

00:38:26,840 –> 00:38:28,340

deeply.

571

00:38:28,340 –> 00:38:33,040

And say they’re a Christian and worry like they’re not.

572

00:38:33,040 –> 00:38:34,680

That’s weird, but it’s true.

573

00:38:34,680 –> 00:38:36,520

And I’ve been there and I’ve one of those people.

574

00:38:36,520 –> 00:38:38,880

So I’m not, I’m not casting stones.

575

00:38:38,880 –> 00:38:41,240

It’s just weird that that exists.

576

00:38:41,240 –> 00:38:47,520

Um, but what I’m saying is a potential antidote to that worry.

577

00:38:47,520 –> 00:38:50,760

Remember in the original Greek anti doesn’t mean against.

578

00:38:50,760 –> 00:38:54,180

We always think about like the anti Christ.

579

00:38:54,180 –> 00:38:57,340

It means in replace of anti means in replace of.

580

00:38:57,340 –> 00:39:03,000

So I’m suggesting one of the antidotes to this anxiety is giving.

581

00:39:03,000 –> 00:39:04,240

I’m suggesting that to you.

582

00:39:04,240 –> 00:39:10,320

I’m suggesting that it’s a testament of faith, like a, like a practical testament of faith.

583

00:39:10,320 –> 00:39:15,520

And so what I’d suggest to anybody is the worry exists.

584

00:39:15,520 –> 00:39:16,520

It’s perpetual.

585

00:39:16,520 –> 00:39:17,520

There’s no way out.

586

00:39:17,520 –> 00:39:20,920

I know it doesn’t make sense, but everything Jesus said doesn’t make sense.

587

00:39:20,920 –> 00:39:21,920

Turn the other cheek.

588

00:39:21,920 –> 00:39:22,920

That doesn’t make sense.

589

00:39:22,920 –> 00:39:24,120

Like there’s a lot of stuff.

590

00:39:24,120 –> 00:39:26,960

Jesus reversed the script on everything.

591

00:39:26,960 –> 00:39:28,440

This is a supernatural thing.

592

00:39:28,440 –> 00:39:33,400

And so my suggestion is, is that we need to start giving and we need to start taking that

593

00:39:33,400 –> 00:39:34,400

seriously.

594

00:39:34,400 –> 00:39:37,360

A long answer to whatever question you asked.

595

00:39:37,360 –> 00:39:38,360

Sorry.

596

00:39:38,360 –> 00:39:40,120

I know I love it.

597

00:39:40,120 –> 00:39:44,040

I think there’s, there’s, there’s a ton of wisdom in there.

598

00:39:44,040 –> 00:39:50,440

And at the end of the day, um, I mean that those, the statistics that you gave, hey,

599

00:39:50,440 –> 00:39:55,480

it’s great practicing Christians are higher, but I mean, it’s just not good enough.

600

00:39:55,480 –> 00:39:59,680

You know, like it’s not about, um, making our pastor super rich.

601

00:39:59,680 –> 00:40:00,680

I love what you said.

602

00:40:00,680 –> 00:40:05,680

Hey, maybe we need to be looking at, if I don’t trust my church so much, maybe, maybe

603

00:40:05,680 –> 00:40:11,880

we need to look elsewhere and find a local body that is, is being biblical with your

604

00:40:11,880 –> 00:40:12,880

money.

605

00:40:12,880 –> 00:40:20,240

Um, but regardless, we have to, it is, it’s something that’s not just a, we have to because

606

00:40:20,240 –> 00:40:25,720

it’s this command and it’s this terrible, horrible thing, but because it does bring us joy.

607

00:40:25,720 –> 00:40:32,160

And it is like you said, it sounds backwards, but when you do give, now you have this vested

608

00:40:32,160 –> 00:40:33,160

interest.

609

00:40:33,160 –> 00:40:39,440

Um, we were talking about this about, uh, we, we support a, uh, missionary couple, uh,

610

00:40:39,440 –> 00:40:40,440

through our church.

611

00:40:40,440 –> 00:40:44,560

Um, and now we care about the country that they’re in.

612

00:40:44,560 –> 00:40:49,280

It’s a lot easier to pray about that country because we have a vested interest.

613

00:40:49,280 –> 00:40:50,640

We’re reading the newsletter.

614

00:40:50,640 –> 00:40:54,640

Um, you’re, you’re invested and you care.

615

00:40:54,640 –> 00:40:58,400

And that’s a lot of what anxiety is, is you don’t have a direction.

616

00:40:58,400 –> 00:41:00,840

Um, you don’t really have a purpose.

617

00:41:00,840 –> 00:41:03,040

You just, you just don’t know.

618

00:41:03,040 –> 00:41:09,360

Um, and it’s that I don’t know is that really causes that anxiety with this giving, you

619

00:41:09,360 –> 00:41:10,360

have a direction.

620

00:41:10,360 –> 00:41:11,360

Sure.

621

00:41:11,360 –> 00:41:13,360

You may not know where that money is coming from sometimes.

622

00:41:13,360 –> 00:41:18,000

Um, and that’s where the concept of faith is so important, but I love that you break

623

00:41:18,000 –> 00:41:23,840

that down and just at the end of the day, we just need to do it and you’ll be better

624

00:41:23,840 –> 00:41:24,840

off.

625

00:41:24,840 –> 00:41:29,640

Um, I liken this with a lot of my clients, uh, with, uh, just some of the mental health

626

00:41:29,640 –> 00:41:31,360

things we do.

627

00:41:31,360 –> 00:41:32,840

It’s not complicated.

628

00:41:32,840 –> 00:41:39,240

Um, but being able to have a healthier life, be able to make your finances healthier.

629

00:41:39,240 –> 00:41:40,960

It’s not that complicated.

630

00:41:40,960 –> 00:41:41,960

It can be hard.

631

00:41:41,960 –> 00:41:47,720

It can be take a lot of discipline to do it, but we don’t have to over complicate it.

632

00:41:47,720 –> 00:41:50,480

We’re at 0% do 3%.

633

00:41:50,480 –> 00:41:51,480

That’s better than zero.

634

00:41:51,480 –> 00:41:53,440

And we can work ourselves out.

635

00:41:53,440 –> 00:41:57,920

But again, but at the end of the day, we have to do it.

636

00:41:57,920 –> 00:41:58,920

Yeah.

637

00:41:58,920 –> 00:42:06,760

I mean, yeah, I don’t know if we would have, um, I mean, corruption is obviously a problem.

638

00:42:06,760 –> 00:42:11,440

But if we, you know, if we were following God’s plan, I’m not sure we would have the

639

00:42:11,440 –> 00:42:13,960

homelessness or world hunger or anything.

640

00:42:13,960 –> 00:42:18,760

I mean, obviously, like I said, obviously the, you know, corruption in the Congo and

641

00:42:18,760 –> 00:42:24,440

all that is, is makes it problematic, but really are it’s, it’s, you know, I’ve got,

642

00:42:24,440 –> 00:42:28,960

I’ve got, I started ministry overseas in Moldova and, uh, we get kids off of the streets on

643

00:42:28,960 –> 00:42:33,800

the basketball court, love those, love those players and people.

644

00:42:33,800 –> 00:42:37,320

And, uh, you know, when he comes over here, we just have, we become friends over the years

645

00:42:37,320 –> 00:42:40,280

and he’s just like, you know, just so crazy.

646

00:42:40,280 –> 00:42:46,160

Now Americans just are so kind of, I mean, he doesn’t say selfish, but just caught up

647

00:42:46,160 –> 00:42:47,720

in our own little world.

648

00:42:47,720 –> 00:42:52,280

And, um, he just brings perspective in my life.

649

00:42:52,280 –> 00:42:53,840

So I appreciate that.

650

00:42:53,840 –> 00:42:54,840

Yeah.

651

00:42:54,840 –> 00:42:56,840

No, I think that’s great.

652

00:42:56,840 –> 00:43:03,280

And that’s why I guys, I was going to say, I’ve seen, I’ve seen people with millions.

653

00:43:03,280 –> 00:43:07,360

I’ve seen Christians with millions, millions, millions that don’t give, but I’ve also seen

654

00:43:07,360 –> 00:43:09,000

poor people who don’t give.

655

00:43:09,000 –> 00:43:13,520

Like, and again, it doesn’t matter to God does not need our money.

656

00:43:13,520 –> 00:43:19,840

Um, I’m just surprised that, that, uh, this is a, this is something that we don’t take

657

00:43:19,840 –> 00:43:22,920

a little bit more seriously, but I’m also not surprised because it’s a sensitive topic.

658

00:43:22,920 –> 00:43:28,440

And if we’re depending on a pastor to, to shepherd us, this is one that it’s hard for

659

00:43:28,440 –> 00:43:33,320

them to, to really, uh, take on directly.

660

00:43:33,320 –> 00:43:39,400

And you may do it like a pastor may do it once or twice a year, um, or maybe even, you

661

00:43:39,400 –> 00:43:42,680

know, four times a year, but there’s 2000 scriptures on money.

662

00:43:42,680 –> 00:43:47,960

I mean, to a certain degree, this is, it should all, this, this topic of money could be a subject

663

00:43:47,960 –> 00:43:50,160

every single sermon.

664

00:43:50,160 –> 00:43:52,440

But of course a pastor, that’s going to be challenging.

665

00:43:52,440 –> 00:43:57,000

Not only is it challenging to him because some of the, the nuances of money can get

666

00:43:57,000 –> 00:44:02,840

overwhelming, but it also comes across as, you know, uh, you know, conflict.

667

00:44:02,840 –> 00:44:12,320

So my point in that is that, um, I, I, I just know that there’s a gap in this space of thinking

668

00:44:12,320 –> 00:44:17,280

critically about God’s plan for money as people of the way.

669

00:44:17,280 –> 00:44:22,640

And I, I, I’ve just been out about, you know, trying to help people read, you know, reconsider

670

00:44:22,640 –> 00:44:23,640

it.

671

00:44:23,640 –> 00:44:26,400

I, I, I absolutely love that.

672

00:44:26,400 –> 00:44:30,760

And I think what you’re, you’re doing and, uh, how you’re sharing the importance of thinking

673

00:44:30,760 –> 00:44:34,440

about money in a biblical way is just so incredibly important.

674

00:44:34,440 –> 00:44:37,880

That’s something I like to do for the audience.

675

00:44:37,880 –> 00:44:42,880

Um, I really like this podcast to be centered on, on action.

676

00:44:42,880 –> 00:44:45,840

That’s why I like to bring people in that are actively doing things.

677

00:44:45,840 –> 00:44:51,000

If you had to give the audience just maybe one or two takeaways from our conversation,

678

00:44:51,000 –> 00:44:54,680

what, what would you encourage them to, to take away from this?

679

00:44:54,680 –> 00:44:55,680

Yeah.

680

00:44:55,680 –> 00:44:59,640

Um, one is, is I’d like for you to start giving.

681

00:44:59,640 –> 00:45:07,960

Um, I’d like for you to give more, um, ideally to your local church, but at least, you know,

682

00:45:07,960 –> 00:45:11,640

if not, then to those that are hurting and hungry in some capacity.

683

00:45:11,640 –> 00:45:16,040

Um, and then second, I’d really like for you to get in God’s word and see what he says

684

00:45:16,040 –> 00:45:17,040

about money.

685

00:45:17,040 –> 00:45:18,040

It’s fascinating.

686

00:45:18,040 –> 00:45:20,200

Um, and he does, he’s indifferent.

687

00:45:20,200 –> 00:45:24,880

Like he, if you, if you’re, there’s plenty of cool people who are rich.

688

00:45:24,880 –> 00:45:27,480

Um, so there’s no problem being rich.

689

00:45:27,480 –> 00:45:28,480

There’s no problem being poor.

690

00:45:28,480 –> 00:45:33,920

It’s very interesting how if you read a Dr. Rabbi Lapin’s work, thou shall prosper.

691

00:45:33,920 –> 00:45:39,320

Um, he says that the one unique characteristic in the Jewish community that’s different than

692

00:45:39,320 –> 00:45:43,120

most is that they believe that being wealthy is inherently good.

693

00:45:43,120 –> 00:45:49,640

Um, and so what we’ve done in our culture is kind of shun that idea, but read the word

694

00:45:49,640 –> 00:45:51,200

of God and see what it says to you.

695

00:45:51,200 –> 00:45:52,920

I mean, it’s sharper than a two edges sword.

696

00:45:52,920 –> 00:45:56,800

It will, it’ll amaze you what you’ll learn about money if you study his word.

697

00:45:56,800 –> 00:45:58,720

And I’m not talking about for you to be wealthy.

698

00:45:58,720 –> 00:46:03,760

I’m just talking about for you to, to live a fulfilling life, the life that he says is

699

00:46:03,760 –> 00:46:04,880

abundant.

700

00:46:04,880 –> 00:46:06,560

You can learn a lot about money through the word of God.

701

00:46:06,560 –> 00:46:09,280

So those two things start giving and read the word.

702

00:46:09,280 –> 00:46:10,280

Absolutely.

703

00:46:10,280 –> 00:46:11,280

Love it.

704

00:46:11,280 –> 00:46:16,160

Uh, those of you that, that are listening in the show will probably want to either know

705

00:46:16,160 –> 00:46:19,200

more about Darryl or, or be able to be in contact with them.

706

00:46:19,200 –> 00:46:21,720

So where can they find you after the show?

707

00:46:21,720 –> 00:46:22,720

Yeah.

708

00:46:22,720 –> 00:46:28,640

Um, so you can go to packs financial group.com, PAX financial group.com.

709

00:46:28,640 –> 00:46:30,600

I have a lot of resources on there.

710

00:46:30,600 –> 00:46:33,480

Um, I do have a podcast retire in Texas.

711

00:46:33,480 –> 00:46:34,640

So give some commentary.

712

00:46:34,640 –> 00:46:38,600

I kind of keep it secular in nature, but you get the, you get the feel that I’m a believer

713

00:46:38,600 –> 00:46:39,600

in throughout.

714

00:46:39,600 –> 00:46:41,840

So I’m giving a lot of economic commentary.

715

00:46:41,840 –> 00:46:45,720

So I’m trying to help the public there, but, but people, people know I’m a believer.

716

00:46:45,720 –> 00:46:50,320

Um, and then I’ll have my biblical responsible investing book that’ll be out.

717

00:46:50,320 –> 00:46:54,680

It’s already printed, I have it, but it’ll be my publisher will launch in January 30th.

718

00:46:54,680 –> 00:46:56,280

So you can be on the lookout for that.

719

00:46:56,280 –> 00:46:59,600

Uh, and then of LinkedIn, LinkedIn’s a good way to connect with me.

720

00:46:59,600 –> 00:47:02,080

So those are just kind of some ways.

721

00:47:02,080 –> 00:47:03,080

Awesome.

722

00:47:03,080 –> 00:47:08,400

Well, I appreciate you again for, for just sharing so much biblical wisdom about finances

723

00:47:08,400 –> 00:47:10,760

and, and for being on the show with us today.

724

00:47:10,760 –> 00:47:12,240

Yeah, it’s been fun.

725

00:47:12,240 –> 00:47:13,240

You asked great questions.

726

00:47:13,240 –> 00:47:14,240

So thank you.

727

00:47:14,240 –> 00:47:15,240

Absolutely.

728

00:47:15,240 –> 00:47:18,720

And thank you to everybody that tuned in for this episode.

729

00:47:18,720 –> 00:47:20,720

We’ll see you on the next one.