Life.Church with Craig Groeschel - How to be Intentional With Your Money | Book Club: Part 2

Episode Date: June 12, 2022

Money can be awkward to talk about and difficult to understand. But how we spend our money often determines how we spend our lives. In this message, Dave Ramsey is teaching us the power of intentional...ity when it comes to our finances. ABOUT THIS MESSAGENo one has all the answers. That’s why we need a variety of voices to help us grow. During our new series, Book Club, we’ll get fresh perspectives on identity, relationships, anxiety, and more from people who have been there and wrote the book on it.  WE’RE OPENWe’re continuing to monitor guidelines and best practices for gathering in a safe way. Learn more about everything we're doing to keep you safe and how you can help by using hand sanitizer, washing your hands often, and more: https://www.life.church/updatesFind a time and attend a service with us: http://www.life.church/locationsNEXT STEPSHave you made a decision to follow Jesus? You may be wondering what’s next on your journey. We want to help! Let us guide you to your next steps in your walk with Christ: https://www.life.church/nextABOUT LIFE.CHURCHWherever you are in life, you have a purpose. Life.Church wants to help you find your next step. Our hope is that your journey will include joining us at a Life.Church location throughout the United States or globally online at https://www.live.life.church. Find locations, videos, and more info about us at https://www.life.church or download the Life.Church app at https://www.life.church/app. FIND US ON SOCIAL MEDIAFacebook: http://www.facebook.com/life.churchInstagram: http://www.instagram.com/life.churchTwitter: http://www.twitter.com/lifechurchTikTok: https://www.tiktok.com/@lifechurchCONNECT WITH PASTOR CRAIGYouTube: https://www.youtube.com/channel/UCIId...Facebook: http://www.facebook.com/craiggroeschelInstagram: http://www.instagram.com/craiggroeschelTwitter: http://www.twitter.com/craiggroeschelTikTok: https://www.tiktok.com/@craiggroeschel#lifechurch #craiggroeschel #daveramsey Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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Starting point is 00:00:00 In the 1940s, 1950s, radio was how America was entertained. Television was not widely distributed at that point. Families would gather around the drama, the series, like they'd gather around Netflix now. And there were the Lone Ranger and Tonto, hi-ho, Silver. And silver with his coconuts for sound effects by the microphone, right? And so it was drama on the radio. One of the radio shows was a show on WGN Radio in Chicago, and it was Sky King. Now, if you keep in mind, this is the 40s.
Starting point is 00:00:43 Airplanes were still a big deal. It was a cutting-edge technology to fly still. And Sky King was this guy with a great baritone voice. Of course, he was a radio voice. And he would fly in whatever the drama was, and he was the guy that would save the day. and so on. And the voice behind Sky King was a guy named Earl Nightingale. And Earl pretty quickly realized there was no money in radio, and he bought an insurance business, a general agency. And every Monday morning, he would have a sales meeting and pump up his sales guys and send them out to sell
Starting point is 00:01:19 insurance, and he was very, very successful at it, all the way up into the late 50s. And one of the things Earl loved more than motivational speaking or jacking up his sales guys and getting them ready to go out and sell insurance. He loved to fish. And Earl decided he was going on a fishing trip in Canada. Well, his sales manager came to him and he said, you understand that the two weeks that you're gone, sales are going to go down because when you get these guys wired up on Monday morning, they're ready to go attack the world and they go out there and make sales without you here. I'll do the pump-up, the halftime speech for the football coach. They're not going to do their thing, man, and sales are going to go down. Well, Earl thought, well, that's not good, but I'm going
Starting point is 00:01:58 fishing, so I've got to figure this out. So he goes back to his old radio days and decides he's going to record a talk. And he goes into the studio and records a talk just for the two-week vacation. And the way you did a recording in those days, and the studio was not tape, it was on an acetone record. A real floppy, real thin-looking record. Any of you, old enough to remember getting a record on the back of your cereal box, that kind of a thing. There's a little thin, flimsy record. It was meant to play three or four times and five times and then not meant to work after.
Starting point is 00:02:30 It didn't have a long shelf life. It was a short recording. And he went in and he recorded a 33-minute talk. They played it. Sales went up while he was gone. They played it the next week. Sales went up again while he was gone. He came back. By the time he had gotten back, everyone who sold anything in the entire Chicago area was a buzz wanting a copy of this talk. He ended up recording the talk formally, pressing records and selling the records. And as best we can determine in research that we've done in the broadcast world, secular or church, this is one of the records that sold beginning in 1959, this is the first recorded talk, not music, but the first talk of any kind, sermon or otherwise, to sell a million copies.
Starting point is 00:03:23 The talk was called The Strangest Secret. And in it, he talks about the strangest secret is simply that you become what you think about. Now, this is a biblical truth. In Proverbs it says, as a man thinks in his heart, so is he. Ralph Waldo Emerson said, a man becomes what he thinks about all day long. It turns out that what we focus on, what we concentrate on, what we think about, we tend to gravitate towards, move towards, become that. And if it's good or bad, we're going to be pulled magnetically in the direction of the things we think about. You become what you think about is the strangest secret. As a man thinketh in his heart, so is he. Henry Ford once said, if you think you can
Starting point is 00:04:17 or you think you can't, you're right. Now this was proven several years ago, and this is a great old, another old story that I just love. And it was proven in this instance. Now, any of you remember the book or the movie Unbroken about Louis Zamperini? He was a track star and he goes into World War II and in a Japanese concentration camp and finally gets out later. The story of his whole life is a wonderful story. Big old long book Unbroken.
Starting point is 00:04:42 The book's better than the movie usually is, right? And so Louis ran in the Berlin Olympics with the Nazis doing this. Hitler is coming into power. And he was a miler. He was a kid from California. And in the Berlin Olympics, Louis ran the mile in four minutes and 21 seconds and just barely missed a medal. The miler that year was a little over four minutes. That was 1936.
Starting point is 00:05:13 By 1954, no one had broken the four-minute mile. no one. A guy did a four minute and one second and it stood for nine years. It was widely thought and taught that the human body, the physiological condition of the human body, it was impossible for anyone to train enough to go fast enough for the human body to cross a mile in under four minutes. If you think you can or you think you can't, you're right. You become what you think about. And one doctor even said, prophesied that if someone actually did run a mile in under four minutes, that their heart would explode and they would die right there until 1954. Roger Bannister famously is the first human being, and that's a picture of him, to break the four-minute
Starting point is 00:06:12 mile. Three minutes and 59 seconds. The record lasted 46 days. 22 people broke the four-minute mile within the next six years. I've told this story, and I love it so much so that the watch that was used by the old guys sitting there in the trench coat, as Bannister went across the line, went up for sale on Sotheby's auction house in London. Well, apparently, I've got too much money because I decided I needed that one. watch. What a great story and what a great thing to have in my safe for my kids to fight over after I die. So I go to bidding on this watch. I set myself the limit of $10,000 and I was
Starting point is 00:07:06 going to go no more than $10,000 to buy this world-class keepsake. I quit bidding at $38,000. I bought this one on eBay for $4.00. But if you think you can or you think you think you can't, you're right. The power of intentionality. I'm going to be intentional about my life. I'm going to be intentional about my spiritual walk. I'm going to be intentional about the dimensions and the compartments and the departments of my life. You know, no one accidentally wins. You don't interview the guy after the Super Bowl and the little reporter runs over to the athlete and goes, how did you just win the World Series, the Super Bowl? They never see. They never say, I don't know, I just got off the bus. Now, I've been training since I was six years old.
Starting point is 00:08:06 It's an intentional act to win. The power of intentionality goes with the power of belief and what we in our Christian walk call faith, what we believe. And we just did two years ago at Ramsey, the largest study of millionaires ever done in North America. We studied 10,167 millionaires, in-depth, airtight research, because we knew people wouldn't like the results. Because we kind of knew some of the things we were going to find. And we knew that some people wouldn't like it. So we were really careful. We had outside research firm, help us with the details and the control groups and the processes.
Starting point is 00:08:45 If you know anything about research, it's a very detailed thing to do it properly and not get confirmation bias and these kinds of things in there. Detailed thing. Here's an interesting thing. if you get somebody to say something, if like 60% of the people say something in a group like that, that's called statistically significant, right? Over half of them say this. 97% of the millionaires that we talk to when we asked them,
Starting point is 00:09:12 can you become a millionaire today? And when you first started, did you believe you could become a millionaire? 97% said yes. If you think you can or you think you can't, you're right. When we interviewed the general public that weren't millionaires, do you think you can become a millionaire? 69%. Still a lot, but significantly less than 97%.
Starting point is 00:09:42 Said that they thought they could. I wasn't planning to write another book this year for sure. I really, you know, I'm not that great an author anyway. to sell them, but I'm not that great a writer. And so, but I got aggravated by two things that kept popping up in my face. One is, I've been teaching these biblical principles to get out of that, save money, so that you can become wealthy so you can be outrageously generous. Managing money for God, God's ways, and for your family is part of God's ways, right?
Starting point is 00:10:13 And I've been teaching people this stuff for 30 years. And we call it the baby steps. You walk up the baby steps. You get out of debt, build your emergency funds, start your merger, start your retirement, the kids college, pay off your house, your baby step seven. we're free, we did it, okay? And we walk them through the baby steps, and I kept running into people all over America,
Starting point is 00:10:29 wherever I went, and they would walk up and they'd go, hey, Dave, I've been doing your stuff for like a long time. Like, I'm old. Like, I've been doing this 25 years. I've been listening to you. And I'm a baby steps millionaire. And I did it.
Starting point is 00:10:46 The stuff you teach, I did it, and it worked, and I'm a millionaire. I followed the baby steps, and I'm a millionaire. I'm a baby steps a millionaire. And I kept running into that. these people everywhere and lots of them. And then I was running into, I'd do a lot of media stuff. And God help me, I actually sometimes look at social media. Lord Jesus, forgive me. And I kept seeing out there the hope stealers. Y'all ever seen the hope stealers? The people that will steal your hope that tell you it can't be done. They're the ones that, you know, E.R. is their
Starting point is 00:11:21 spirit animal. You know? Oh, it's bad. America's over. You're never going to be able to make it. It's bad. Little man can't get ahead. And I was running into these hope stealers everywhere, and they're telling me no one can do it
Starting point is 00:11:39 and sophisticated economists who were hope stealers and people in the media that were hope stealers. And I'm talking to Baby Step millionaires who goes, Dave, I did it. Because the hope steers are out there. The first thing they tell you is this. All the rich people are. people have all the money and the only way you get rich is to inherit your money. You heard that
Starting point is 00:12:08 one. Say yes. Well, here's the thing. That's a lie. No, I mean, I've got data. Not your broke brother-in-law with an opinion. Facts. Okay? When we study these millionaires, 10,000 of them, 79% received precisely zero as an inheritance. That's eight out of ten. Five percent, when they did get an inheritance, it was a little one, like four or five thousand bucks, which does not make you a millionaire in case you didn't know the math. Another five percent received a big inheritance, like a couple of hundred thousand dollars after they were already millionaires. So that didn't make them a millionaire. So 5 and 5 and 79 is 89.
Starting point is 00:13:00 That's nine out of 10 millionaires in America today. Did it themselves, first generation rich with the blessings of God. Well, and your whiny little friend says, but it's just not fair out there. It's not fair out there. The fair's where the tilta whorl is and the prize pig. It's not fair. and oh it ought to be equal equal is fair not in the Bible and by the way equal's not fair if you work 100 hours a week and the guy works 10 hours a week you should get paid more
Starting point is 00:13:48 I got a face for radio I got friends who are pretty and they're like on TV and stuff and they make more money because they talk to more people than I talk to. That's not fair. I'm in Nashville. I've got all these music friends. I can't play. I'm in talk radio for a reason. I mean, I can't.
Starting point is 00:14:21 I mean, I got all these music friends, and they sell 10 million albums. I've never even seen an album except one I put on the record. That's the only, it's not fair that they make more money at albums than I make. Of course it is. They serve more people. They help more people with joy. then I helped with that. If I sell 10 books and help 10 people get out of debt,
Starting point is 00:14:44 I should make one set of money. That's fair. But if I sell 10 million, I should make another set of money. That's fair. Fair is not equal. Because effort, talent, education, bothering to show up is not equal.
Starting point is 00:15:03 So don't let the whiners tell you. Well, this is the game is rigged. The system's rigged. So I got to meet Condoleezza Rice. This woman is incredible. We were doing a leadership event. She came in to speak with us. She's unbelievably smart.
Starting point is 00:15:17 Her purse is smarter than I am. And the woman, competition ice skater, world-class concert pianist, second woman ever to be secretary of state, first black woman ever to be secretary of state, Provost of Sanford grew up in a lower middle class family in extremely racist situation in Birmingham, Alabama. In those days, they called it bombing ham because that's when all the bombing was happened with the racism. But she didn't define, it wasn't defined by that.
Starting point is 00:15:55 She didn't say the system's rigged. Is racism real? Oh, yes, racism is real. Is sexism real? Oh, yes, it's real. We don't all have the same starting point from where we got to where we got to go. We don't all have the same starting point. And that's not fair.
Starting point is 00:16:11 It just is. But Condoleezza said her parents, what they taught her was that it doesn't matter where you come from. All that matters is where you're going to. So, yeah, I started a little further back. I'm from Manioc, Tennessee. I didn't go when I'm not from one of those cool families. I'm just a redneck hillbilly. So I started a little further back.
Starting point is 00:16:36 Some people started further back than that, and they passed me. Did you know every single demographic, every single race we found in the study had become millionaires? Someone chose to go from where they started to believe, I'm going to be intentional. If you think you can, if you think you can't, you become what you think about. I'm going to aim at this as a man thinketh in his heart so is he, and I'm going to go do it. And then there are hope stealers among my brothers and sisters in Christ. The ones that are oversaved, you know them.
Starting point is 00:17:16 Christians shouldn't be wealthy. As a matter of fact, the Bible condemns the rich to hell. Have any of you heard this? Have you ever even thought it? I used to think it because I kind of grew up in an area that was all Christian. I'm in Nashville. There's more Baptist there than people. And yet the scripture actually says this,
Starting point is 00:17:45 and you shall remember the Lord your God, for it is he who gives you the power to get wealth. The Bible does not say money as the root of all evil. It says the love of money. is the root of all evil. Well, Dave, you know, Jesus said a camel can't get through the eye of a needle so a rich man can't get into heaven.
Starting point is 00:18:05 One of my pastor buddies says, don't let the world teach you theology. I'll help you with that. For goodness sakes, don't let Twitter teach your doctrine. The most quoted scripture by the angry, unbeliever, Christian hater, don't you know that the rich aren't going to heaven because a camel can't get through the eye of a needle?
Starting point is 00:18:27 All you do is just finish reading context and Jesus goes on down because the disciples were amazed. They said, well, who then can be saved? And he says, no one gets to the Father except through the son. And so let me just be mean to you. Are you ready to be mean mean? Because it's a spiritual gift, okay? So let me just be mean to you. If you believe with your toxic political beliefs, or you believe with your toxic upbringing Christianity that rich people aren't going to heaven because of that scripture, Let me help you with that. That's what theologians call heresy.
Starting point is 00:19:10 And let me help you with heresy. Heresy is when anyone can't get to... What you're saying is prostitutes can go to heaven if they ask Jesus for forgiveness? Drug dealers can go to heaven if they ask Jesus' forgiveness. Murderers can go to heaven if they ask Jesus' forgiveness. But not those rich people. Jesus' blood is not strong enough at the cross for those rich people. That's called heresy, technically speaking.
Starting point is 00:19:35 if you're in seminary. Okay? So don't practice in heresy on Twitter. Okay, it's bad for you. There's a lot of stuff on Twitter that's bad for you. So, just helping you with this. Here's it. With the evil 1%, they have all the money.
Starting point is 00:19:51 They shouldn't have all the money. Oh, God, here we go. Okay, I'm a math guy. So here's the thing. If you make $39,000 a year, household income, you are in the top 1% of income earners in the world. You are officially going to hell. Well, this is how absurd this line of critical thinking is
Starting point is 00:20:16 when you take your religion and you make it toxic to justify your victimization. Don't do it. As a man thinketh in his heart, so is he. I'm going to be intentional about winning the Super Bowl. I might have a harder start. It might not have been good when I was growing up. People might be mean to me because of reasons
Starting point is 00:20:37 they shouldn't be mean to me, but it doesn't matter. I'm still going to go win the Super Bowl. I'm still not going to quit. The Bible teaches cause and effect. We reap what we sow. And so if you plant corn, you will water it, put fertilizer around it if you're a farmer, hoe around it, keep the weeds out, and then you will get corn if God chooses to send the sun in the rain. Now St. Ambrose said we have to work like it all depends on us and pray like it all depends on us.
Starting point is 00:21:11 God. So the Bible is a constant dance between our faith in God and his provision and our faithfulness getting off your tail in and doing the work. So if you want some corn, you should plant corn. Aggravating Christians prey over mud holes that got no corn in them and can't figure out where the corn is when they have planted no corn. That's aggravating. because it makes Christians look stupid. Corn come forth. It's not going to. You're supposed to reap what you sow.
Starting point is 00:21:53 So the corn, the corn will come. Lord, I pray for money. Try saving some. I'm joking around a little bit, but we've all heard this stuff and somehow we have to push back about it in our culture. I do believe God is a God of provision. He's a God of grace. I've walked in so much grace and among all the dumb things I've been. all the dumb things I've done in my life, he's been so unbelievably good to me. It makes me cry
Starting point is 00:22:23 every time I think about it. And I'm not in any way dissing that. I'm not in any way taking credit for success. But you have to work. And those that don't work, Paul said they don't eat. And somehow we get these things all twisted up and somehow spiritualize our inactivity or the fact that we're paralyzed and we're overwhelmed and we're scared and we don't know what to do. and instead of plowing through that and busting through that and saying, someone take my hand and help me out of this hole and your brothers and sisters come alongside, you lift you out, give you a shot at something, the community comes around you and loves you well.
Starting point is 00:22:59 Don't forsake the gathering of believers. All these things are scripture, and they all come together to cause us to be able to cause these things to happen in our lives. Our Christian life and the study of the Bible and the community that we walk in transforms our lives because we learn to plant. new and better things into our life. And I have a thing I call the displacement theory. I learned it from my wife.
Starting point is 00:23:21 My wife is kind of like pastor. She's kind of a health nut and like she's in perfect shape. She has zero body fat, which is simultaneously wonderful because she's my wife, but look at me, it's also shaming, okay? So she goes and walks her six miles or 28 miles or whatever she does in the morning and works out four and a half hours or whatever the thing she does.
Starting point is 00:23:41 And then she comes in and puts stuff in a blender that humans should not ingest and thinks it's fun. And when she pours it into a glass, it looks like nuclear waste. And it's good for you. And then she's got this little nuclear waste mustache and says, do you want some? And I'm like, no. And she finishes drinking that nuclear waste and sets the glass in the sink,
Starting point is 00:24:08 turns on the hot water, and the hot water goes into the junk. And the clean water, as it runs, begins to displace the trash. And if you let that glass, and you've done it before, that pan, sit in the sink and just let the hot water run on it, it will boil the stuff out. And in a few minutes, the clean has displaced the filth. This is the Christian walk. you put good stuff in you will have good stuff in and it will push the trash from the past out it will push the past out well people from my neighborhood I don't care about your neighborhood put some clean in people that grew up like put I don't care put some clean in people that don't have a chance
Starting point is 00:25:05 to start it like shut up put some clean in as a man thinketh in his heart so easy if you think you can or you think you can't, you're right. You can do this. It's called hope. Hope deferred makes the heart sick. Be not conform to this world. Don't be like them, but be transformed. How? Displacement, the renewing of your mind. New things coming in. And it creates a new you. A whole new way of looking at things. Sharon and I've been married almost 40 years. I'm really glad and she's really glad. She ain't married to the guy she married. He's not perfect, but he's a whole lot better than that idiot. She married 40 years ago.
Starting point is 00:25:51 Displacement. I'm getting better. I'm getting better. Give me 40 more. I'll probably get it down. So what God wants for you is what I want for you. He wants you to get on a budget because Jesus said, don't build a tower without first counting the cost,
Starting point is 00:26:05 unless you get halfway up and you're unable to finish. All who see you began to mock you and say this man began to build and was unable to finish. You get on a budget so that you can live on less than you make because a foolish man devour. is all he has. You live on less than you make so you can get out of debt because the rich rules over the poor and the borrower is slave to the lender. You get out of debt so you've got money to save for an emergency because in the house of the wiser, stores of choice, food, and oil you're feeling the displacement yet. You take the savings that you begin to build up,
Starting point is 00:26:32 that emergency fund, you're ready for a rainy day and then, of course, then you're ready to build some wealth and no discipline seems pleasant at the time, but it yields a harvest of righteousness. You can become a baby steps millionaire and as you become wealthy you can change your family tree because a godly man leaves an inheritance to his children's children. And then as you do that, you become outrageously generous because God loves a cheerful giver. By the way, that's the end of the game. And that's the beginning of the game. Outrageous generosity. The rest of the stuff in the middle is just how we get it done. See, I was at the supermarket the other day and I'll close up with this because they told me the Holy Spirit leaves at the 30-minute mark. And so I don't go
Starting point is 00:27:20 the supermarket very much. My wife, bless her heart, she does that most of the time. But when I do go, I'm kind of an efficiency expert. It's kind of a NASCAR pit stop for me. Closest PARTING spot. Once I get my stuff, I'm scanning the lines. Have you ever done this? Okay, that line's a little longer, but that one checking out, it seemed like she got her stuff going. I'm going to get a little longer line, we're going to get through there. Because I'm picking the fastest line to get in and out. The whole game is in and out quick. Y'all, anybody do this but me? So I go in there the other day, and I love generous people. Generous people make a smile. Generous people make our eyes leak, don't they? And I go in there and I pick out the line, and there's this woman in the line.
Starting point is 00:28:07 And she's got two kids who were everywhere over everything. Y'all know what I'm talking about. I'm old school. Bothering Papa Dave here. And then she's got these groceries and she hands the guy her card and it's rejected. Well, I hate to admit it. I was not looking compassionately upon this woman at first. I'm standing about three back. And now when the card comes out, now that's the business I'm in, right? Helping people that the card's rejected. And then I start looking at the kids a little more careful and their clothes aren't very good. And then I look at her and the windows are the eyes to the soul. The eyes are the windows to the soul. I'm sorry.
Starting point is 00:29:08 And she's not having a good week. She's not having a good year. You can see the pain. You ever done that? You look at somebody, you see it? It's dripping off of them. And then she hands him another card and the card is rejected. And this whole thing is going down fast. Now, I'd like to tell you that I was the generous one, but I was slow on the trigger because it took me a minute to recover from my initial self-righteousness.
Starting point is 00:29:35 But standing to get right behind her was Superman. Now, I didn't realize it was Superman, because he was dressed like a Hispanic construction worker with mud on his boots. But suddenly, Clark Kent comes out, and he reaches up and pays for her grocery. She starts crying, register lady starts crying, I start crying, I'm not even involved. And she's trying to say, no, no, no, no, no.
Starting point is 00:30:14 He can't understand anything. He speaks only Spanish. But he does speak card denied. He does speak having a bad year. Three hundred bucks goes up and he pays for a groceries. This is why we do what we do. Because you won't be that guy. Generous people make our eyes leak.
Starting point is 00:30:44 Generous people make a smile because we get to see God show up in the line at the grocery store. Put yourself in a position to be him for the rest of your life. And try not to be self-righteous like me and beat him to the punch. Put yourself in a position to be out generous. and then if somebody that's crazy, he's drinking hater aid because you became wealthy and you're incredibly generous, just tell them to have another serve. It's all good. Drink your hater aid. Me and God, we're walking in generosity. He's letting me do this. It's the privilege of my entire life to be able to help others with money that he allowed me to manage. You can do it. As a man thinketh in his
Starting point is 00:31:42 heart, so is he. If you think you can or you think you can't, That's faith or the lack of it. You'll be right either way. Decide. You become what you think about. God, we thank you for your provision. We thank you for your guidance. We thank you for your love.
Starting point is 00:32:07 Oh, you've lavished us beyond our wildest imaginations. Help us to be kind, to be self-controlled, to be unbelievably generous. and cheerful in giving that that you gave us to manage. In Jesus' name, amen. Come on church, let's tell Dave, thank you. And Dave, thank you for living that. Dave has been more generous with our church
Starting point is 00:32:51 than I could ever describe. And this is who God is calling us to be. And I just want to ask you right now, because I know there's, anytime people talk about money, There can all can be a heaviness and a weight and a guilt and a shame and I can't and I won't, won't, but I think you just heard a word that can change the way you think. And how many of you really believe and think you can honor God with what he entrust you with? Would you raise your hands right now?
Starting point is 00:33:19 Leave them up for a minute. Leave them up at all of our churches. You're watching online. You put it up wherever you are right now. In an act of worship and recognize that God is entrusting resources to you. you. He trusts you to steward them. And when you're faithful with a little, he'll trust you with even more. You can put your hands down. I'm going to pray for you in just a moment, but let me just talk about how you can be faithful. You can start with Dave's book, baby step principles. Start with
Starting point is 00:33:49 being faithful. Start by getting a plan. Work the plan. And honor God. And watch as God blesses you along the way. And as Dave says, you can live today like no one day. You can live and give like no one else. And you can be that person at the grocery store. And you can be that person in many people's lives if you're faithful. So God, today I pray for the faith to believe that you've given us what we need to honor you. Help us to be faithful, God. To take a step when it even seems like a small step. I take a step the next day. God, we thank you for Dave for, we thank you for the way he teaches your principles that we can live in a way that honors you. Give us wisdom, give us faithfulness, God. I pray that there would be people that wouldn't just be baby-step millionaires, but they'd be
Starting point is 00:34:40 baby-step millionaires who are generous beyond measure. Help us to start where we are, to honor you and believe God that as we're faithful, you'll pour out your blessings so we can bless others. We pray this in Jesus' name. As you keep praying today, nobody looking around just kind of an attitude of worship and prayer. When we talk about money, sometimes we're aware of where we've fallen short and where we haven't gotten it right. We've all messed up. When we talk about life when we're in church, when we're watching a message, sometimes
Starting point is 00:35:11 we're aware of our own sinfulness. We've all messed up. We've all fallen short. We have a debt, not just a financial debt, but we have a sin debt. And the amazing thing is we have a very generous God. For God so loved the world that what did he do? He gave. He gave. He gave his one and only son, Jesus, that whosoever would believe in Jesus would not perish, but instead would have eternal life. If you find yourself aware of your shortcomings, your sinfulness, we serve a God who showed his love on earth through the person of Jesus.
Starting point is 00:35:50 God became flesh. Jesus lived without sin. He gave his life. And God, God, God. God raised him from the dead. So anybody, and this includes you, no matter how bad you've failed, no matter what you've done, anyone who calls out on that name, the name that is above every name, the name of Jesus. Your sins would be forgiven today. I believe there are those of you.
Starting point is 00:36:10 You're watching online. You're watching at a church location. You know you need forgiveness. What are we going to do? We're going to step away from our old life. And we're going to become disciples of Jesus. We're going to follow Jesus. When we confess our need for Him, God forgives all of our sins.
Starting point is 00:36:23 We become brand new today. wherever you're watching from, those who say, yes, I want his forgiveness, I want his grace. Today, I choose Jesus. I want to be his disciple. I give my life to him. Those of you, you know you need his forgiveness. Today you surrender. Today you give your life. That's your prayer today. Say, yes, Jesus. I give my life to you. That's your prayer. Would you lift your hands high right now? Can you guys celebrate with me today as we see people at all of our churches? Walking away from the old life, walking toward the new life. Those of you online, you're You can just type it in the comment section.
Starting point is 00:36:57 I'm choosing to follow Jesus. Just type it in the comment section. I'm choosing to follow Jesus. It's our great honor today to celebrate the moment that you experience the grace of Jesus. We're going to pray, and you can just pray aloud wherever you are. We're all praying together.
Starting point is 00:37:13 Pray Heavenly Father. I need your grace. I need your forgiveness. I need Jesus. Jesus saved me. Forgive all. all of my sins, make me brand new. I need your power. I need your spirit to live for you, to show your love, fill me with your spirit, that I can do your will. Give me the faith
Starting point is 00:37:41 to know I can serve you to make a difference. I surrender all of my life to you. Thank you for new life. In Jesus' name, I pray. Could you all celebrate? Big worship of good God is full of grace and love.

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