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MONEY, MONEY >>MONEY >>MONEY >>TREASURE
>>THE BEST THINGS IN LIFE ARE FREE >>IF I
HAD A MILLION DOLLARS >>I WANT TO BE A
BILLIONAIRE >>IF I WAS A RICH GIRL
>>AND I AM A MATERIAL GIRL >>SHE WORKS
HARD FOR THE MONEY >>PUTTING ON THE RITZ
>>TAKING CARE OF BUSINESS >>LIFE
IN THE FAST LANE >>IF YOU GOT THE MONEY,
HONEY >>GO ON, TAKE THE MONEY AND RUN
>>GET YOUR MONEY FOR NOTHING >>SHE GIVE ME
MONEY >>WELL, WELCOME TO WEEK ONE OF A NEW
SERIES WE ARE STARTING CALLED HASHTAG MONEY PROBS.
WANT TO SAY HELLO TO THOSE OF YOU JOINING US VIA
VIDEO AT ONE OF OUR WEST TEXAS CAMPUSES. DOWNTOWN,
HOPE YOU GUYS ARE DOING WELL. AMARILLO, ONE OF THE
OTHERS, GLAD THAT YOU'RE JOINING WITH US AS WELL.
IF YOU ARE WATCHING ON TV, THANKS FOR TUNING IN.
CHURCH ONLINE, GLAD YOU'RE HERE TODAY AS WELL. JUNE
SIXTH THROUGH NINTH, TWO THOUSAND AND THIRTEEN, THE
PRINCETON SURVEY RESEARCH ASSOCIATES CONDUCTED A
SURVEY ASKING A SERIES OF FINANCIAL QUESTIONS TO
JUST OVER ONE THOUSAND AMERICANS. ONE OF THE
QUESTIONS THAT THEY ASKED WAS THIS. ARE YOU LIVING
PAYCHECK TO PAYCHECK? NOW, I WANT YOU TO
GUESS AT ALL OF OUR CAMPUSES WHAT PERCENTAGE, THE
PEOPLE THEY SURVEYED, WOULD ADMIT THEY WERE LIVING
PAYCHECK TO PAYCHECK. BUT I'M GOING TO MAKE IT EASY
FOR YOU. I'M GOING TO GIVE YOU MULTIPLE CHOICE. WE
ALL LIKE MULTIPLE CHOICE. THIS IS GOOD. ALL RIGHT.
LIVING PAYCHECK TO PAYCHECK. DO YOU THINK IT'S ZERO
TO TWENTY-FIVE PERCENT OF THE PEOPLE IN THE SURVEY?
TWENTY-SIX TO FIFTY? FIFTY-ONE TO SEVENTY-FIVE?
SEVENTY-SIX TO A HUNDRED PERCENT? SO ALL THAT VOTE
FOR A, ZERO TO TWENTY-FIVE PERCENT, RAISE YOUR HAND.
ZERO TO TWENTY-FIVE PERCENT SAID THEY WERE LIVING
PAYCHECK TO PAYCHECK? ZERO TO TWENTY-FIVE PERCENT?
ALL OF OUR CAMPUSES, SOMEBODY RAISE YOUR HAND.
OKAY. NOBODY LIKES THAT ONE. OKAY. B. HOW MANY
OF YOU GUYS THINK BETWEEN TWENTY-SIX AND FIFTY
PERCENT SAID THEY WERE LIVING TO PAYCHECK TO
PAYCHECK? ALL OF OUR CAMPUSES, HANDS UP IF YOU
THINK THAT'S IT. ANYBODY FOR B? LIKE,
ONE PERSON. OKAY. C. LET'S TRY ANOTHER ONE. THIS
IS A BIGGER NUMBER, OKAY? HOW MANY OF YOU THINK
FIFTY-ONE PERCENT TO SEVENTY-FIVE PERCENT, SOMEWHERE
IN THERE, SOME PERCENTAGE IN THERE, SAID THEY WERE
LIVING PAYCHECK TO PAYCHECK? HANDS UP. OKAY.
QUITE A FEW HERE AT THE SOUTHWEST CAMPUS. HOW MANY
OF YOU GUYS THINK IT WAS SEVENTY-SIX OR MORE THAT
SAID THEY WERE LIVING PAYCHECK TO PAYCHECK? YOU
WANT TO KNOW THE ANSWER? SEVENTY-SIX PERCENT OF
AMERICANS WHO COMPLETED THIS SURVEY SAID
THEY WERE LIVING PAYCHECK TO PAYCHECK. MAKES ME
THINK AT OUR CHURCH, JUST A SAMPLING ACROSS OUR
COUNTRY. SO AT OUR CHURCH, SEVENTY-SIX PERCENT OF
YOU WATCHING ME RIGHT NOW PROBABLY, AVERAGE,
SEVENTY-SIX PERCENT WOULD SAY, I'M LIVING PAYCHECK
TO PAYCHECK. SEVENTY-SIX PERCENT OF YOU SAYING,
SEVENTY-SIX PERCENT OF AMERICANS SAYING, IT WOULD
NOT BE OKAY IF I MISSED MY NEXT PAYCHECK. OKAY? IF
MY BOSS DECIDED TO NOT PAY ME NEXT FRIDAY, I WOULD
NOT BE HAPPY ABOUT THAT. OKAY? LIKE,
THINGS WOULD GO BADLY FOR ME. AND THINGS WOULD GO
BADLY FOR MY FAMILY. LIKE -- AND SOME PEOPLE WOULD
PROBABLY SAY, SO BAD I DON'T EVEN WANT TO THINK
ABOUT IT. LIKE, IT'S ALREADY BAD NOW. IF I MISS
THE NEXT PAYCHECK, IT'S GOING TO BE EVEN WORSE. SO
MANY PEOPLE SAYING, HEY, I CAN'T GO WITHOUT THE NEXT
PAYCHECK. THINGS WOULD NOT BE OKAY. HERE'S WHAT
THEY MEAN. HERE'S WHAT THEY MEAN. HERE'S WHAT YOU
MEAN. IF I DIDN'T GET PAID NEXT FRIDAY, WHATEVER, I
COULDN'T AFFORD MY MORTGAGE PAYMENT. WHAT A LOT OF
THEM ARE THINKING. I COULDN'T AFFORD RENT IF I
DIDN'T GET PAID NEXT WEEK. I COULDN'T AFFORD MY
GROCERIES. I COULDN'T AFFORD GAS FOR MY CAR. I
COULDN'T KEEP MY LIGHTS ON IF I DIDN'T GET PAID. I
COULDN'T KEEP MY AC RUNNING SO I DIDN'T BURN UP.
OKAY? IF I DIDN'T GET PAID, I COULDN'T AFFORD --
AND FILL IN THE BLANK. OKAY? SO YOU ARE THINKING
ABOUT THIS. I'M SURE MANY OF YOU ARE LIVING THIS
WAY. THINK ABOUT WHAT YOU COULDN'T AFFORD IF YOU
MISSED YOUR NEXT PAYCHECK. JUST THINK ABOUT IT FOR
A SECOND. IF YOU MISSED YOUR NEXT PAYCHECK, WHAT
KIND OF STRUGGLES WOULD YOU HAVE? WHAT WOULD YOU
NOT BE ABLE TO AFFORD? DID YOU KNOW IT'S
REALLY WORSE THAN YOU ARE THINKING? BECAUSE NOT
ONLY ARE A LOT OF THESE PEOPLE ADMITTING THEY DON'T
REALLY HAVE ANY MONEY, LIKE IF THEY DIDN'T GET PAID
NEXT TIME, IT WOULD NOT GO WELL. NOT ONLY DO THEY
HAVE NO MONEY, THEY'D ALSO ADMIT THEY'VE BORROWED
MONEY FROM OTHERS. YOU KNOW THE ONLY THING WORSE
THAN HAVING NO MONEY? HAVING NO MONEY AND OWING
SOMEBODY ELSE MONEY. BECAUSE IF YOU HAVE NO MONEY,
THAT'S PRETTY BAD. I'M BROKE, OKAY? I'M BROKE.
BUT NOBODY IS CHASING AFTER YOU. OKAY. BUT IF YOU
HAVE NO MONEY AND YOU OWE SOMEBODY SOME MONEY, GUESS
WHAT HAPPENS? THEY WANT YOUR HOUSE BACK. THEY WANT
YOUR CAR BACK. THEY WANT THE MONEY THAT -- THAT
THEY LOANED YOU BACK. THEY DON'T WANT YOU TO HAVE
IT ANYMORE. GIVE IT BACK BECAUSE NOW YOU ARE NOT
MAKING THESE PAYMENTS. ALL RIGHT? IT'S ACTUALLY
WORSE FOR MOST PEOPLE THAN JUST LIVING PAYCHECK TO
PAYCHECK. THEY'VE, LIKE, SPENT PAYCHECKS
THEY DIDN'T HAVE YET BY BORROWING MONEY FROM
SOMEBODY ELSE. YOU SCARED YET? YOU SHOULD BE
BECAUSE THIS IS A SCARY WAY TO LIVE. I MEAN, NO
WONDER SO MANY PEOPLE ARE STRESSED OUT. NO WONDER
SO MANY PEOPLE ARE ANXIOUS AND DEPRESSED. NO WONDER
SO MANY MARRIED COUPLES FIGHT ALL OF THE TIME ABOUT
MONEY. NO WONDER SOME KIDS NEVER SEE THEIR PARENTS
BECAUSE THEY ARE WORKING ALL THE TIME. BECAUSE
THOSE ARE JUST -- THAT'S JUST KIND OF WHAT HAPPENS
WHEN YOU START LIVING PAYCHECK TO PAYCHECK. YOU
KNOW WHAT MAKES THIS SO SCARY IS THAT IF YOU HAD TO
BE HONEST -- JUST BE HONEST FOR A SECOND. IF I HAD
TO BE HONEST, THERE'S NO GUARANTEE YOU ARE GOING TO
GET YOUR NEXT PAYCHECK. YOU KNOW THAT. YOU DON'T
CONTROL THAT. THERE'S NO GUARANTEE. YOUR COMPANY
COULD GO UNDER AND THEN YOU DON'T GET PAID. YOU
COULD GET FIRED AND THEN YOU DON'T GET PAID. MAYBE
YOU DO GET PAID, BUT IT'S LESS THAN THE PREVIOUS
TIME BECAUSE YOUR COMPANY IS STRUGGLING, OR YOU GET
A PAY CUT AND IT'S LESS. MAYBE YOU GET PAID THE
FULL AMOUNT, BUT YOU HAVE AN UNEXPECTED EXPENSE COME
AND IT JUST PUTS YOU OVER THE TOP. AND SO IT
DOESN'T EVEN MATTER THAT YOU GOT YOUR FULL PAYCHECK
BECAUSE NOW YOU HAVE THIS EXPENSE. AND NOW YOU
CAN'T AFFORD IT. IT'S A SCARY WAY TO LIVE. IT'S A
MISERABLE WAY TO LIVE. YOU SAY, PASTOR, HOW WOULD
YOU KNOW? BECAUSE I LIVED LIKE THIS FOR YEARS.
TELL YOU A STORY. SO I MARRY MY BEAUTIFUL
BRIDE, EMILY, IN DECEMBER OF TWO THOUSAND AND FOUR.
ABOUT MAY OF TWO THOUSAND AND FIVE, WE MOVED TO FORT
WORTH BECAUSE I'M GOING TO GO TO SEMINARY. AND I
HAD A STABLE, FULL-TIME JOB IN LUBBOCK WITH
BENEFITS. AND THEY WERE NICE, OKAY? SO IT WAS
STABLE, LOOKING GOOD. EMILY WAS A FULL-TIME
STUDENT. WE FEEL LIKE GOD IS TELLING US -- TELLING
ME TO GO TO SCHOOL, FORT WORTH, TO SEMINARY TO GET A
MASTER OF DIVINITY DEGREE. SO MOVE TO FORT WORTH.
EMILY IS STILL A FULL-TIME STUDENT. SHE'S
TRAVELING BACK AND FORTH FROM DENTON TO GO TO
SCHOOL. AND I'M GOING TO SCHOOL FULL-TIME. SHE IS
NOT WORKING. SOMEBODY HAS GOT TO WORK BECAUSE WE
HAVE NOTHING. SO I GO FROM -- YOU CATCHING THIS --
STABLE, FULL-TIME INCOME BENEFITS TO PART-TIME
INCOME AS A -- DON'T MISS THIS -- YOUTH WORSHIP
LEADER. NOW, NOT THE WORSHIP LEADER THAT'S LIKE UP
HERE THAT YOU WATCH. AND YOU ARE LIKE, I BET THEY
PAY HIM SOMETHING. LIKE THE WORSHIP LEADER IN THE
YOUTH DEPARTMENT. OKAY? THINK ABOUT IT. ALL
RIGHT? SO I'LL LET YOU GUESS WHAT I WAS MAKING AT
THAT TIME. I'LL LET YOU GUESS. AND I'LL GIVE YOU A
HINT. IT WAS BELOW THE POVERTY LINE. OKAY?
IT WAS BAD. AND I WAS MAKING NOTHING.
AND THANKFULLY, MY PARENTS HELPED WITH RENT A LITTLE
BIT BECAUSE THEY WERE GLAD THEIR SON WAS GOING TO
SEMINARY. OKAY? SO THAT WAS A LITTLE BIT. BUT WE
WERE AS PAYCHECK TO PAYCHECK AS IT GETS. AND GUESS
WHAT? WE WERE STRESSED OUT. AND WE ARGUED
CONSTANTLY ABOUT MONEY. BECAUSE USUALLY IN ANY
RELATIONSHIP, THERE'S A SAVER AND THERE'S A WHAT? A
SPENDER. AND WHAT DO THEY DO? THEY ARGUE ABOUT IT,
SAVE MONEY. OH, NO. JUST SPEND IT ALL. THAT'S WHY
GOD GAVE IT TO US. SO THERE'S, YOU KNOW, THE
ARGUMENT THAT HAPPENS, RIGHT? OKAY. SO -- AND JUST
IN CASE YOU'RE WONDERING, I'M THE SAVER IN OUR
RELATIONSHIP. OKAY? AND SHE WOULD ADMIT THAT SHE
IS THE SPENDER. AND SO WE'VE HAD -- YOU KNOW, HAD
SOME ARGUMENTS. AND WHEN WE WERE LIVING PAYCHECK TO
PAYCHECK, I'M TELLING YOU, IT WAS TOUGH.
WELL, ABOUT A YEAR AND A HALF AFTER MOVING
TO FORT WORTH, I'M WORKING PART-TIME. SHE'S NOT
WORKING. SHE'S IN SCHOOL. I'M IN SCHOOL. YEAR AND
A HALF INTO IT, SHE HAS OUR FIRST DAUGHTER,
MCKINLEY, WHO IS SIX NOW. SHE'S AWESOME. LOVE HER
TO DEATH. AND SHE WAS BORN. WE WERE EXCITED ABOUT
IT. AND I'VE TOLD YOU THIS STORY A BUNCH OF TIMES.
BUT SHE ENDS UP HAVING A HEART CONDITION DIAGNOSED
IN THE HOSPITAL. THEY RUSH HER TO SOMETHING
CALLED -- YOU KNOW -- HEARD OF IT -- THE NICU. JUST
CURIOUS, ALL OF OUR CAMPUSES, HOW MANY OF YOU HAVE
EVER HAD A CHILD IN THE NICU? JUST CURIOUS. OKAY.
SOME OF YOU. HOW MANY OF YOU GUYS KNOW THAT ONCE
YOU GET OUT OF THE NICU AND YOU GO HOME, YOU GET A
BILL FROM THAT HOSPITAL? HOW MANY OF YOU GUYS KNOW
THAT? LIKE, THEY DON'T PAY YOU TO GO TO THE NICU.
LIKE, THANK YOU FOR JOINING OUR UNIT. HERE IT IS.
HERE'S SOME MONEY. THEY DON'T PAY. OKAY? THEY
WANT YOU TO PAY THEM A LOT OF MONEY.
OKAY? AND SO SHE ENDS UP IN THE NICU.
I'M THINKING, WE'VE GOT MY INSURANCE. WE'RE GOOD.
ALL RIGHT. I JUST HAD SEMINARY INSURANCE. IT
WASN'T GOOD. IT WASN'T VERY GOOD. BUT IT'S GOING
TO COVER THIS. SO I GET THIS BILL IN THE MAIL. AND
HOSPITALS, I THINK THEY LIKE TO DO THIS TO YOU. BUT
THEY PUT THE NUMBER AT THE TOP THAT YOU WOULD PAY IF
YOU DIDN'T HAVE INSURANCE JUST TO SCARE YOU HALF TO
DEATH, OKAY? USUALLY IF YOU'VE BEEN IN THE NICU FOR
VERY LONG -- WE WERE IN FOR ABOUT A WEEK -- IT'S
LIKE SIX FIGURES. OKAY? SO THAT NUMBER, AND YOU'RE
LIKE ABOUT TO HAVE A HEART ATTACK. THEN IT SAYS,
LIKE, INSURANCE ADJUSTMENT. THEN YOU HAVE WHAT YOU
OWE. AND, AGAIN, OUR INSURANCE WAS NOT GREAT. SO
OUT OF POCKET, WE OWED SEVEN THOUSAND DOLLARS. NOW,
TALK ABOUT A MELTDOWN. SOME OF YOU ARE
LIKE, WELL, JUST -- WHY DIDN'T YOU PUT IT ON A
MONTHLY PAYMENT? BECAUSE WE WERE PAYCHECK TO
PAYCHECK. ALL RIGHT? WE DIDN'T HAVE ROOM FOR
ANOTHER MONTHLY PAYMENT. LIKE WHAT HAPPENED TO US
WAS WORSE THAN NOT GETTING MY NEXT PAYCHECK. IT WAS
WORSE. WE HAD AN UNEXPECTED EVENT EQUALED TO LIKE
TEN PAYCHECKS. OKAY? WHAT ARE WE GOING TO DO NOW?
AND WE WERE FREAKING OUT AND TOTALLY STRESSED OUT
ABOUT IT. THANKFUL THAT OUR DAUGHTER WAS HOME AND
WAS DOING WELL, BUT STILL STRESSED OUT, FREAKING OUT
ABOUT THIS HOSPITAL BILL NOW THAT WE HAVE. I JUST
REMEMBER THINKING TO MYSELF -- I JUST REMEMBER
THINKING, IS THERE A BETTER WAY TO LIVE THAN THIS?
LIKE, SURELY THERE'S A BETTER WAY TO LIVE
THAN HOW WE'VE BEEN LIVING. STRESSED OUT. PAYCHECK
TO PAYCHECK. ARGUING CONSTANTLY ABOUT MONEY.
SURELY THERE'S A BETTER WAY. THANKFULLY,
WE HAD SOME FRIENDS THAT INTRODUCED US TO A
FINANCIAL GURU, HAS A RADIO SHOW, WRITTEN SOME
BOOKS. HIS NAME IS DAVE RAMSEY. HOW MANY OF YOU
GUYS HAVE HEARD OF HIM? ALL OF OUR CAMPUSES HEARD
OF HIM? JUST A FINANCIAL GUY. AND THEY BASICALLY
TOLD US, HEY, THIS GUY, DAVE RAMSEY -- AND HE TALKS
EVEN ABOUT SOME PRINCIPLES OUT OF THE BIBLE. HE
SAYS THERE'S A BETTER WAY. HE SAYS THERE'S A BETTER
WAY. AND HE SAYS IT'S GOD'S WAY, AND THAT, TOO
OFTEN, PEOPLE AREN'T LIVING GOD'S WAY. SO I'M READY
TO FIGURE OUT THIS WHOLE GOD'S WAY THING BECAUSE, I
MEAN, I'M IN SEMINARY, ALL RIGHT? BUT EVIDENTLY, I
DON'T KNOW MUCH ABOUT GOD'S WAY WITH MONEY, OKAY,
CLEARLY, BECAUSE OF THE WAY I'M LIVING.
AND JUST KIND OF A PLUG HERE. WE ARE
ACTUALLY -- THERE'S A CLASS THAT MY WIFE AND I
WATCHED SOME VIDEOS FROM THAT WE ARE ACTUALLY GOING
TO HAVE HERE AT EXPERIENCE LIFE THIS FALL. YOU WILL
WANT TO BE INVOLVED IN IT FOR SURE. IT WILL JUST
OPEN UP YOUR MIND TO ALL KINDS OF POSSIBILITIES
MAYBE THAT YOU DIDN'T ASSUME WERE THERE BEFORE. SO
IT'S CALLED FPU, FINANCIAL PEACE UNIVERSITY. BUT
ANYWAY, I STARTED LOOKING INTO THIS IN THE BIBLE.
AND I WANT TO INTRODUCE YOU TO A GUY NAMED SOLOMON.
KING SOLOMON IS WHAT THEY CALLED HIM. HE WAS THE
THIRD KING OF ISRAEL. THERE WAS KING SAUL. HE WAS
NUMBER ONE. AND KING DAVID, NUMBER TWO. THEN
DAVID'S SON -- ONE OF DAVID'S SONS WAS NAMED
SOLOMON. HE WAS THE THIRD. SO SOLOMON BEGINS HIS
REIGN. AND BASICALLY GOD COMES TO HIM AND SAYS,
HEY, SOLOMON, ASK ME FOR SOMETHING. I WANT TO BLESS
YOU. I WANT TO GIVE YOU SOMETHING. ASK
ME FOR SOMETHING. AND SO WHAT DOES SOLOMON ASK GOD
FOR? WISDOM. GOD, MAKE ME WISE. GIVE ME WISDOM TO
GOVERN ALL THESE PEOPLE THAT YOU'VE PUT ME OVER. I
DON'T KNOW HOW TO DO IT ON MY OWN, GOD. GIVE ME
WISDOM. GOD SAID, BECAUSE YOU DIDN'T ASK FOR
RICHES, LONG LIFE, OR THE DEFEAT OF YOUR ENEMIES,
YOU ASKED ME FOR WISDOM, HE BASICALLY MADE SOLOMON A
PROMISE. HE SAID, SOLOMON, I'M GOING TO MAKE YOU
THE WISEST MAN TO EVER LIVE. AND EVERYBODY KNEW IT
WHEN IT HAPPENED. BECAUSE THE TEXT SAYS PEOPLE CAME
FROM ALL OVER THE WORLD. THIS IS IN THE OLD
TESTAMENT IN YOUR BIBLE. PEOPLE CAME FROM ALL OVER
THE WORLD TO JUST HEAR SOLOMON TALK. WHY?
BECAUSE HE WAS BRILLIANT. AND EVERYBODY KNEW HIS
BRILLIANCE CAME FROM GOD. WELL, AFTER IT TALKS
ABOUT SOLOMON ASKING FOR WISDOM, IT HAS THIS STORY
AS AN EXAMPLE OF HOW WISE HE WAS. HERE'S THE STORY.
HEAR WHAT HE DID. THERE'S THESE TWO LADIES. AND
THEY BOTH HAD CHILDREN WITHIN, YOU KNOW, A COUPLE
DAYS APART. AND THEY LIVED TOGETHER. AND EVIDENTLY
THEY WERE GOOD FRIENDS. AND THEY WERE SLEEPING WITH
THEIR -- THEIR CHILD NEXT TO THEM, JUST REALLY YOUNG
INFANTS, ONE NIGHT. ONE OF THE LADIES WAKES UP AND
NOTICES HER CHILD IS DEAD. SHE'S DEVASTATED. SHE
THINKS TO HERSELF, HEY, THE OTHER LADY, MY FRIEND IN
THE OTHER ROOM, SHE'S STILL ASLEEP. I'M JUST GOING
TO TRADE BABIES. SHE WILL NEVER KNOW IT. I'M NOT
MAKING THIS UP. YOU CAN READ IT. SO SHE TAKES HER
DEAD BABY INTO THE OTHER ROOM WHERE HER FRIEND IS.
TRADES THE BABIES. PUTS THE DEAD BABY IN HER ARMS.
TAKES THE LIVING BABY. THE LIVING BABY'S MOM WAKES
UP THE NEXT MORNING AND SHE'S GOT THIS DEAD BABY
NEXT TO HER. AND SHE'S DEVASTATED. BUT THEN SHE
LOOKS CLOSER. AND SHE'S LIKE, THAT AIN'T MY BABY.
[LAUGHTER] >>LIKE, I GET WHEN THEY'RE
YOUNG, YOU -- HARD TO TELL THE DIFFERENCE SOMETIMES.
THAT IS NOT MY BABY. I KNOW THAT. AND SO SHE GOES
TO HER FRIEND. AND SHE LOOKS AT THAT BABY. SHE'S
LIKE, THAT'S BABY. THE LIVING BABY, THAT'S MY BABY.
HER FRIEND IS LIKE, NO, THAT'S MY BABY. SHE'S RIGHT
HERE SLEEPING WITH ME. THAT'S MY BABY. AND SO THEY
GO TO SOLOMON. SOLOMON IS GOING TO BE THE JUDGE IN
THIS CASE. AND SOLOMON SAYS, SO LET ME GET THIS
STRAIGHT. BOTH OF YOU LADIES THINK THE LIVING BABY
IS YOURS AND THE DEAD BABY IS THE OTHER PERSON'S.
RIGHT? RIGHT. HE SAID, I KNOW HOW TO FIGURE THIS
OUT. THIS IS EASY. THEY SAID, OKAY. GO FOR IT.
SOLOMON TELLS HIS SERVANT, HEY, GO GET ME A SWORD.
SERVANT IS SAYING, WHAT DO YOU NEED A SWORD FOR?
MOM IS LIKE, WHAT DO YOU NEED A SWORD FOR? OKAY.
THEY'RE FREAKING OUT. HE GETS A SWORD. SOLOMON
SAYS, HERE'S WHAT WE ARE GOING TO DO. WE ARE GOING
TO CUT THE BABY IN HALF, THE LIVING BABY.
GIVE ONE TO THIS MOM, ONE TO THIS MOM.
THE MOM OF THE DEAD BABY SAID, YEAH. THIS IS FAIR.
THAT'S WHAT YOU SHOULD DO. THAT'S FAIR. BOTH GET
HALF. YOU KNOW, THAT'S FAIR. REAL MOM, MOM OF THE
LIVING BABY, SAID, NO, NO, NO, NO, NO, PLEASE DON'T.
PLEASE DON'T. JUST GIVE HER THE BABY. SHE CAN HAVE
THE BABY. SOLOMON LOOKED AT HIS SERVANT. HEY, PUT
AWAY THE SWORD. I DIDN'T NEED IT. I WAS JUST
KIDDING. GIVE THE BABY TO THE SECOND MOM. SHE'S
THE REAL MOM. SHE DIDN'T WANT HER BABY TO DIE.
EVERYBODY IS LIKE, OOH, DUDE, THAT GUY IS SHARP.
WHY DID YOU USE A SWORD, THOUGH? THAT'S WEIRD.
OKAY? SO HE'S WISE. ALL RIGHT? HE WAS WISE.
PEOPLE WERE FREAKING OUT. THIS GUY, LIKE, MAKES
GOOD DECISIONS. LIKE, HE JUST FIGURED IT OUT, JUST
BY -- WITH HIS SWORD AND -- HE KNEW WHO THE REAL MOM
WAS. AND SO THE REAL MOM GETS THE BABY BACK. BUT
THIS IS THE GUY WE'RE TALKING ABOUT. AND HERE'S
WHAT'S CRAZY ABOUT THIS KING SOLOMON GUY WHO GOD
GAVE HIM ALL THIS WISDOM. WE GOT SOME OF IT. WE
GOT SOME OF IT IN THE BIBLE. IT'S IN A BOOK CALLED
PROVERBS. AND HE'S GOT THESE WISE STATEMENTS. AND
IT'S FROM GOD. IT'S FROM GOD. GOD IS THE ONE THAT
GAVE HIM THIS WISDOM. AND HE TALKS QUITE A BIT
ABOUT MONEY. DO YOU THINK YOU AND I WOULD DO WELL
TO LISTEN TO THE WISEST MAN TO EVER LIVE ABOUT
MONEY? WOULD THAT BE SMART? WOULD THAT
BE A GOOD IDEA? I THINK IT WOULD BE A GOOD IDEA.
OKAY? SO I WANT TO SHOW YOU ONE VERSE. IF YOU GOT
A BIBLE, YOU CAN GO THERE. IF YOU DON'T, YOU CAN
WRITE THIS DOWN. IT'S GOING TO BE ON THE SCREEN.
YOU SHOULD MEMORIZE THIS. THIS IS HUGE. AND HE
BASICALLY JUST SAYS THIS ONE SENTENCE. THIS IS HOW
SMART THIS GUY IS. HE JUST DEFINES YOUR PROBLEM AND
MINE. ONE SENTENCE, PERIOD, MOVES ON. READY TO SEE
WHAT HE SAID ABOUT THIS WHOLE PAYCHECK TO PAYCHECK
THING? LOOK. PROVERBS TWENTY-ONE,
TWENTY. THE WISE HAVE WEALTH AND LUXURY, BUT WHAT?
BUT FOOLS SPEND WHATEVER THEY GET. THE WISE HAVE
WEALTH AND LUXURY. NOW, THIS -- READ THIS. THINK
HE'S SAYING THEY'RE RICH AND HAVE MANSIONS. THAT'S
NOT WHAT HE'S TALKING ABOUT. YOU KNOW WHAT HE'S
SAYING? HE'S SAYING THE OPPOSITE. IT'S THE
OPPOSITE OF THIS. SO YOU CAN SAY, THE WISE DON'T
SPEND WHATEVER THEY GET, BUT FOOLS DO. LIKE, THE
WISE -- HERE'S WHAT HE'S SAYING. THE WISE SAVE
SOME. HE'S NOT SAYING THEY ARE FILTHY RICH. HE'S
SAYING WEALTH AND LUXURY IS HAVING SOME SAVINGS.
THE WISE SAVE SOME, BUT FOOLS DON'T. THEY SPEND IT
ALL. ANOTHER WAY TO TRANSLATE IT. THE WISE DON'T
LIVE PAYCHECK TO PAYCHECK, BUT FOOLS LIVE PAYCHECK
TO PAYCHECK. OOH, HEY, HEY, BACK OFF, IS WHAT YOU
ARE THINKING. OKAY. THE WISE, THEY DON'T LIVE THAT
WAY. THEY DON'T LIVE THAT WAY. THEY SAVE SOME.
THEY HAVE SOME LEFT OVER. BUT FOOLS, THEY JUST --
THEY JUST LIVE PAYCHECK TO PAYCHECK. NOW, WE DON'T
USE THIS WORD A LOT, FOOLS. YOU KNOW WHAT
IT IS. WE JUST DON'T USE -- WE USE OTHER WORDS,
OKAY? SO IN CASE YOU'RE LIKE, WHAT DOES HE MEAN BY
FOOL? LIKE, I GOT OUT THE THESAURUS, OKAY? GIVE
YOU SOME SYNONYMS FOR FOOL JUST SO YOU KNOW WHAT
HE'S -- HE'S SAYING, OR THIS BEHAVIOR IS LIKE.
OKAY? DINGBAT, ALL RIGHT? DINGBATS SPEND IT ALL.
THAT'S WHAT HE'S SAYING. I'M ONE OF THOSE, OKAY?
***. I WAS CALLED THIS GROWING UP. OKAY.
NITWIT, THEY SPEND IT ALL. AIRHEADS, THEY SPEND IT
ALL. DUMMIES, THEY DO, TOO. SO DO IDIOTS.
IGNORAMUS. THAT'S WHAT MY SISTER CALLED ME. OKAY?
IGMO FOR SHORT. KNUCKLEHEAD. OKAY. KNUCKLEHEADS,
THEY SPEND EVERYTHING. GOOBERS, THEY SPEND
EVERYTHING THEY MAKE. NUMBSKULL, MORON. THIS IS MY
FAVORITE. DIPSTICKS SPEND EVERYTHING THEY MAKE.
[LAUGHTER] AND THEY BORROW SOME FROM OTHERS, OKAY?
LIKE, THEY ARE -- DIPSTICK. NOW, I DON'T KNOW IF
YOU'RE LIKE ME. I DIDN'T DREAM AND ASPIRE ONE DAY
WHEN I WAS GROWING UP TO BE A DIPSTICK. OKAY? I
WASN'T THINKING, GOD, MAKE ME A DIPSTICK. THAT'S
WHAT I WANT TO BE. THAT'S JUST A COOL WORD.
DIPSTICK. NO. I DON'T WANT TO BE THIS. DIDN'T
WANT TO BE THIS. BUT SOLOMON IS SAYING -- NOT ABOUT
THIS SPECIFICALLY, BUT ABOUT THIS BEHAVIOR OF
SPENDING EVERYTHING YOU MAKE, HE'S SAYING THAT'S A
DIPSTICK KIND OF BEHAVIOR. IT'S A FOOLISH KIND OF
BEHAVIOR. THIS IS WHAT HE MEANS BY A FOOL. JUST
PICK ONE. DINGBAT, YOU KNOW, DIPSTICK, WHATEVER.
HE'S JUST SAYING THAT'S DUMB. THAT'S A DUMB WAY TO
BEHAVE. THAT'S A -- THAT'S A TERRIBLE WAY TO LIVE.
WISEST MAN THAT'S EVER LIVED SAYING THAT. NOW, I
KNOW WHAT SOME OF YOU ARE THINKING. HEY -- YOU'RE
THINKING, HEY, PASTOR, LET ME TELL YOU SOMETHING.
I'LL TELL YOU SOMETHING. I WOULD NOT BE LIVING
PAYCHECK TO PAYCHECK IF I MADE MORE MONEY. YOU NEED
TO CALL MY BOSS. IF HE JUST GAVE ME A RAISE, I
WOULDN'T LIVE THIS WAY. IF SOMEBODY JUST OFFERED ME
A BETTER JOB THAT PAYS MORE, I WOULDN'T BE LIVING
THIS WAY. LIKE, GIVE ME A LITTLE MORE MONEY, I'M
NOT GOING TO BE PAYCHECK TO PAYCHECK. BECAUSE THERE
ISN'T ANYBODY, EVEN IF YOU ADMIT YOU ARE PAYCHECK TO
PAYCHECK, THAT WOULD WANT TO LIVE THAT WAY. YOU'RE
NOT LIKE, PAYCHECK TO PAY -- THAT'S JUST -- THAT'S
AMAZING. I LOVE MY LIFE. IT'S GREAT.
NO. YOU DON'T THINK THAT. OKAY. YOU DON'T LIKE
THAT. IT'S STRESSFUL. OKAY? HERE'S WHAT YOU GOT
TO UNDERSTAND, THOUGH. THIS IS WHAT YOU DON'T GET
SOMETIMES, I DON'T GET. YOU GOT TO UNDERSTAND THIS.
I'D WRITE THIS DOWN. LIVING PAYCHECK TO PAYCHECK
HAS VERY LITTLE TO DO WITH HOW MUCH MONEY YOU MAKE
AND VERY MUCH TO DO WITH HOW MUCH MONEY YOU SPEND.
COME ON. YOU KNOW THIS IS TRUE. LIVING PAYCHECK TO
PAYCHECK HAS VERY LITTLE TO DO WITH HOW MUCH YOU
MAKE. YOU KNOW HOW I KNOW THIS? BECAUSE THERE'S
PEOPLE -- YOU KNOW THIS TO BE TRUE -- THAT MAKE A
LOT MORE THAN YOU, TENS OF MILLIONS OF DOLLARS MORE
THAN YOU. AND GUESS HOW THEY LIVE? PAYCHECK TO
PAYCHECK. NOT AS MUCH TO DO WITH HOW MUCH YOU MAKE.
VERY MUCH TO DO WITH HOW MUCH YOU SPEND. DID YOU
KNOW THERE'S OTHER PEOPLE THAT MAKE A LOT LESS THAN
YOU -- THAT MAKE A LOT LESS THAN YOU, AND THEY DO
NOT LIVE PAYCHECK TO PAYCHECK? DOESN'T REALLY -- I
MEAN, YOU THINK IT DOES. I'VE ALWAYS THOUGHT IT
DID. IT'S JUST NOT TRUE. IT DOESN'T REALLY HAVE TO
DO WITH HOW MUCH YOU MAKE. IF I JUST MADE MORE, I
WOULDN'T LIVE THAT WAY. NO. IT'S JUST A PATTERN.
IT'S JUST THE WAY -- IT'S JUST THE WAY YOU LIVE.
THAT'S WHY YOU SEE RETIRED NFL PLAYERS, RETIRED NBA
PLAYERS, WHAT ARE THEY? BROKE. BANKRUPT. THEY
SPENT IT ALL. THEY GOT NOTHING. OKAY? YOU SEE A
DOCUMENTARY ON ESPN, YOU KNOW, TALKS ABOUT
THIS. IT'S CRAZY. AND THEY HAD LIKE A HUNDRED
MILLION DOLLARS. NOW THEY GOT NOTHING BECAUSE THEY
LIVED PAYCHECK TO PAYCHECK. SPEND IT ALL -- SPENT
IT ALL. IT'S CRAZY. IT'S NOT ABOUT WHAT YOU MAKE.
IT'S ABOUT HOW MUCH YOU SPEND. THE WISE HAVE WEALTH
AND LUXURY, LIKE THEY GOT WEALTH AND LUXURY, LIKE
THEY'VE GOT SOME MONEY LEFT OVER. BUT FOOLS,
DIPSTICKS LIKE ME AT CERTAIN POINTS IN TIME IN MY
LIFE, THEY SPEND IT ALL. THEY SPEND IT
ALL. THEY LIVE PAYCHECK TO PAYCHECK. IT'S A
STRESSFUL, ANXIOUS -- MAKES YOU ANXIOUS. STRESSFUL
WAY TO LIVE. MAKES YOU ANXIOUS. MAKES YOU AFRAID
BECAUSE YOU JUST DON'T KNOW IF YOU ARE GOING TO GET
THAT NEXT PAYCHECK. NOW, YOU ARE LIKE, OKAY. I
ADMIT IT. I'VE BEEN A DIPSTICK. MAYBE I'M BEING A
DIPSTICK RIGHT NOW. I'M PART OF THE SEVENTY-SIX
PERCENT. DOES THIS WISE GUY, DOES THIS WISEST MAN
TO EVER LIVE, DOES HE SAY HOW TO BREAK FREE? LIKE,
THANK YOU FOR CALLING ME OUT, MR. WISE GUY. OKAY.
THANK YOU. BUT DO YOU GOT SOME INSTRUCTIONS ON HOW
TO LIKE GET OUT OF THIS PAYCHECK TO PAYCHECK THING?
I WOULD LIKE THOSE INSTRUCTIONS. YOU GOT SOME? HE
GOT SOME. HE'S GOT SOME. YOU SHOULD LISTEN VERY
CAREFULLY. HE TELLS US HOW TO BREAK FREE. TAKE A
LOOK AT THIS. YOU WILL HAVE TO COME BACK...
[LAUGHTER] >>NEXT WEEKEND. SMILEY FACE. BECAUSE
I'M OUT OF TIME. AND I GET IN TROUBLE WHEN I GO
OVER, OKAY? SO -- SERIOUS. THIS IS WHAT WE ARE
GOING TO TALK ABOUT IN THIS SERIES. HE SAYS SOME
STUFF. HE CAN HELP YOU OUT. HE CAN HELP YOU BREAK
FREE. BUT YOU'RE GOING TO HAVE TO COME BACK BECAUSE
I GOTTA GO. OKAY? I DO. NOW, HERE ARE TWO
CHALLENGES. AND THEN WE ARE GOING TO PRAY. TWO
CHALLENGES FROM TODAY BECAUSE THIS IS HUGE. I HAD
TO STOP HERE BECAUSE YOU GOT TO DO SOMETHING BEFORE
WE CAN GET TO THE GOOD STUFF. ALL RIGHT? FIRST,
YOU AND I NEED TO CONFESS WE HAVE A
PROBLEM. IF YOU ARE LIVING THIS WAY, JUST ADMIT IT.
I'VE BEEN FOOLISH. I'VE BEEN A ***. I'VE BEEN A
KNUCKLEHEAD. YOU GOTTA ADMIT THAT BECAUSE IF YOU
DON'T ADMIT IT, THEN YOU ARE NOT EAGER TO KNOW WHAT
THE SOLUTION IS, HOW NOT TO LIVE THAT WAY. YOU GOT
TO ADMIT, I GOT ISSUES, PASTOR. HELP ME OUT. SHOW
ME THE NEXT VERSE. I GOT ISSUES. YOU GOT TO ADMIT
IT. YOU GOT TO CONFESS THAT YOU'VE BEEN FOOLISH.
AND YOU KNOW WHAT YOU REALLY NEED TO CONFESS? AND I
DO TOO, AND I'LL HELP YOU AS WE PRAY IN A SECOND.
AND GOD FORGIVES US IF YOU PUT YOUR FAITH IN CHRIST.
IT'S JUST -- IT'S REALLY JUST ADMITTING WE GOT A
PROBLEM. YOU NEED TO CONFESS YOU PUT YOUR FAMILY,
YOURSELF -- IF YOU HAVE A FAMILY, YOUR FAMILY IN AN
UNNECESSARILY STRESSFUL SITUATION WHERE IF YOU JUST
MISS ONE CHECK, YOU ARE IN TROUBLE, AND YOUR WHOLE
FAMILY IS IN TROUBLE. WHY WOULD YOU DO THAT TO
THEM? WHY WOULD I DO THAT TO MY FAMILY?
WE SHOULD CONFESS, GOD -- WE SHOULDN'T DO
THIS TO OUR -- WE DON'T HAVE TO LIVE THIS WAY. IT'S
ONE THING IF YOU HAVE TO LIVE THAT WAY. IT'S
ANOTHER THING IF SOLOMON'S RIGHT AND YOU DON'T HAVE
TO LIVE THAT WAY. SO AT LEAST I NEEDED TO CONFESS
WHEN I WAS STRUGGLING WITH THIS, GOD, I PUT MY
FAMILY IN A SITUATION WHERE IF I JUST DON'T GET ONE
PAYCHECK, MY WHOLE LIFE FALLS APART. WHY WOULD I DO
THAT TO THEM? WHY WOULD YOU DO THAT TO YOUR FAMILY?
THAT'S THE FIRST THING WE GOTTA DO. WE GOT TO
CONFESS. SECOND THING WE GOTTA DO IS WE GOTTA COME
BACK. YOU NEED TO BRING A FRIEND. I'M TELLING YOU,
THIS SERIES IS GOING TO APPLY TO EVERYBODY AND THEIR
GRANDMA. YOU NEED TO BRING THEM WITH YOU BECAUSE
SEVENTY-SIX PERCENT OF YOUR FRIENDS ARE LIVING
PAYCHECK TO PAYCHECK, AND THEY WANT OUT. NOBODY
LIKES IT. IT'S TERRIBLE. IT'S A TERRIBLE WAY TO
LIVE. IT'S A SCARY WAY TO LIVE. WE DON'T HAVE TO
LIVE THAT WAY. SOLOMON TELLS US HOW TO BREAK FREE.
YOU'VE GOT TO COME BACK AND HEAR IT. YOU'VE GOT TO
COME BACK AND HEAR IT. LET ME PRAY FOR YOU.
GOD, THIS IS GOOD STUFF. THE BIBLE
SOMETIMES IS HARD TO READ BECAUSE IT STEPS ON OUR
TOES. BUT IT'S GOOD FOR US. IT WAS GOOD FOR ME TO
HEAR THIS YEARS AGO. DOESN'T HAVE TO BE THIS WAY.
THAT I WAS LIVING IN A FOOLISH WAY. I JUST OWNED
IT. GOD, YOU REMEMBER. I JUST CONFESSED, GOD, THIS
IS FOOLISH. I'M NOT PUTTING MY FAMILY IN THIS
SITUATION IF I DON'T HAVE TO. WHY WOULD I DO THAT?
WHY WOULD I LIVE THIS WAY? SPEND EVERYTHING I'VE
GOT, AND I CAN'T EVEN MISS A PAYCHECK WITHOUT
EVERYTHING FALLING APART? GOD, I PRAY MY FRIENDS AT
ALL OF OUR CAMPUSES TODAY WOULD -- IF THEY WERE IN
THIS SITUATION -- I'M SURE MOST OF THEM --
STATISTICS SAY MOST OF THEM ARE -- THEY JUST CONFESS
MAYBE THAT THEY HAVEN'T BEEN LIVING IN A WISE WAY.
THAT THEY HAVE BEEN LIVING IN A FOOLISH WAY. AND
IT'S GOOD TO CONFESS THAT BECAUSE THEN WHEN YOU DO,
YOU ARE READY FOR THE SOLUTION. YOU ARE READY FOR
THE ANSWER. YOU ARE READY FOR YOUR SITUATION TO BE
FIXED. BECAUSE YOU JUST ADMIT, HEY, I GOT PROBLEMS.
THANK YOU THAT YOU FORGIVE US. THANK YOU THAT
YOU'VE GIVEN US YOUR WORD, AND WE CAN LEARN. WE CAN
GET BACK UP ON OUR FEET AGAIN AND FINANCIALLY START
FOLLOWING YOU, DOING WHAT YOU SAY, EVEN IF WE
HAVEN'T BEEN. GOD, THANKS FOR THAT. THANKS FOR
FRESH STARTS. GOD, I'M JUST PRAYING FOR FINANCIAL
FREEDOM FOR FAMILIES IN THIS CHURCH IN THIS SERIES.
I'M PRAYING THAT THERE WOULDN'T BE AS MANY ARGUMENTS
BETWEEN SPOUSES ABOUT FINANCES BECAUSE THEY GET TO A
PLACE WHERE THEY ARE NOT PAYCHECK TO PAYCHECK
ANYMORE. I PRAY THEY FEEL LIKE A BURDEN LIFTED OFF
THEIR SHOULDERS AS THEY GET TO A PLACE WHERE THEY
ARE NOT LIVING FOOLISHLY. YOU CAN DO IT, GOD, IF WE
LISTEN TO YOU. THAT'S WHY WE GOT THE BIBLE. GOD,
TOO OFTEN -- I'M SURE MY FRIENDS ARE LIKE ME -- WE
LISTEN TO EVERYBODY BESIDES YOU. AND THAT'S WHY WE
ARE OFTEN BROKE BECAUSE EVERYBODY ELSE IS BROKE.
EVERYBODY ELSE IS LIVING IN A WAY, IN ALL KINDS OF
DEBT TO EVERYBODY ELSE, AND IGNORING THE PRINCIPLES
THAT YOU LAY OUT IN YOUR WORD. SO, GOD, MY PRAYER
FOR ME, FOR US, IN THIS SERIES IS THAT WE LISTEN TO
YOU FOR A CHANGE. QUIT DOING WHAT OUR NEIGHBOR IS
DOING, WHAT OUR FRIEND IS DOING, TRYING TO KEEP UP
WITH THE JONESES. WE JUST DO WHAT YOU SAY BECAUSE
YOU JUST KNOW WHAT'S BEST. YOU KNOW HOW TO DO THIS
MONEY THING BETTER THAN US. GOD, I LOOK
FORWARD TO SEEING FAMILIES SET FREE FINANCIALLY IN
THIS SERIES FROM THE BURDEN THEY HAVE BEEN CARRYING
OF THIS STRESSFUL WAY OF LIFE. YOU ARE GOING TO DO
IT, GOD. I BELIEVE IT. IT'S GOING TO BE AMAZING.
I PRAY EVERYBODY WOULD COME BACK AND HEAR ABOUT IT.
IN JESUS' NAME.