Joyce Meyer - Becoming Debt-Free

January 24, 2025 | S25:E18

Today, Joyce shares healthy attitudes toward money, and practical wisdom for becoming debt-free. Watch now.

#Blessing #Help #Freedom #Serving #Greed #Religion #Joy #Patience #inActive #JoyceMeyer #Money #Responsibility #Finances #Giving #Contentment #Bondage #JoyceMeyer:EnjoyingEverydayLife #Debt-Free

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Joyce Meyer: Enjoying Everyday Life | Joyce Meyer - Becoming Debt-Free | January 24, 2025

>> joyce: to get out of debt,
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>> joyce: to get out of debt, you're gonna have to be patient,
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>> joyce: to get out of debt, you're gonna have to be patient, persistent and learn
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You're gonna have to be patient, persistent and learn the difference between what
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Persistent and learn the difference between what you need and what you want.
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>> joyce: i'm joyce meyer,
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>> joyce: i'm joyce meyer, and i believe that god can heal
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>> joyce: i'm joyce meyer, and i believe that god can heal you everywhere you hurt.
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>> joyce: welcome to,
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>> joyce: welcome to, "enjoying everyday life,"
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>> joyce: welcome to, "enjoying everyday life," we're so glad that you
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"enjoying everyday life," we're so glad that you joined us today.
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We're so glad that you joined us today. well, today i wanna
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Joined us today. well, today i wanna talk about money,
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Well, today i wanna talk about money, about finances and debt,
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Talk about money, about finances and debt, and learning how to manage
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About finances and debt, and learning how to manage our money better.
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We've got 12 of the guys from
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We've got 12 of the guys from our men's home here today,
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We've got 12 of the guys from our men's home here today, guys, who i'm sure were
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Our men's home here today, guys, who i'm sure were going along in life,
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Guys, who i'm sure were going along in life, and something happened
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Going along in life, and something happened that got you off track,
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And something happened that got you off track, and i thought you know probably
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That got you off track, and i thought you know probably for at least some of you,
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And i thought you know probably for at least some of you, money was involved.
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For at least some of you, money was involved. you're shaking your head, "yes,"
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Money was involved. you're shaking your head, "yes," and it's amazing how
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You're shaking your head, "yes," and it's amazing how good money can be,
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And it's amazing how good money can be, and how much good it can do,
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Good money can be, and how much good it can do, if it's managed right,
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And how much good it can do, if it's managed right, but how much damage
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If it's managed right, but how much damage it does to people's lives
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But how much damage it does to people's lives if they don't have
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It does to people's lives if they don't have the right attitude toward it.
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If they don't have the right attitude toward it. and so, i'mma start by reading
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The right attitude toward it. and so, i'mma start by reading you a little story,
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And so, i'mma start by reading you a little story, i paraphrased it from
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You a little story, i paraphrased it from a book from robert katz,
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I paraphrased it from a book from robert katz, and it was entitled,
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A book from robert katz, and it was entitled, "if money could talk,
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And it was entitled, "if money could talk, what would it say?"
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"if money could talk, what would it say?" "i'm depressed and sad because
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What would it say?" "i'm depressed and sad because i'm tired of people abusing me,
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"i'm depressed and sad because i'm tired of people abusing me, using me for wrong purposes,
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I'm tired of people abusing me, using me for wrong purposes, fighting over me,
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Using me for wrong purposes, fighting over me, stealing me, lying, cheating,
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Fighting over me, stealing me, lying, cheating, and committing crimes to get me.
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Stealing me, lying, cheating, and committing crimes to get me. i get blamed as some say,
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And committing crimes to get me. i get blamed as some say, for most divorces.
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I get blamed as some say, for most divorces. i'm tired of fighting
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For most divorces. i'm tired of fighting with greed all the time.
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I'm tired of fighting with greed all the time. i'm hoarded, i'm stolen,
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With greed all the time. i'm hoarded, i'm stolen, and i'm wasted most of the time,
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I'm hoarded, i'm stolen, and i'm wasted most of the time, people think i'm their security
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And i'm wasted most of the time, people think i'm their security but i'm not, they act like
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People think i'm their security but i'm not, they act like i'm god and i'm certainly not.
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But i'm not, they act like i'm god and i'm certainly not. i just wish people knew how much
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I'm god and i'm certainly not. i just wish people knew how much good they could do with me,
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I just wish people knew how much good they could do with me, if they treated me right and how
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Good they could do with me, if they treated me right and how blessed their lives could be."
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If they treated me right and how blessed their lives could be." you know,
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Blessed their lives could be." you know, there are 2000 bible verses
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You know, there are 2000 bible verses that talk about money, 2,000.
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There are 2000 bible verses that talk about money, 2,000. jesus talked more about money,
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That talk about money, 2,000. jesus talked more about money, than he did heaven and hell,
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Jesus talked more about money, than he did heaven and hell, put together.
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Than he did heaven and hell, put together. pretty amazing.
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Put together. pretty amazing. it is really a very major
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Pretty amazing. it is really a very major part of our lives,
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It is really a very major part of our lives, and you have to know how to have
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Part of our lives, and you have to know how to have a proper attitude toward it.
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1 timothy 6:7-10, something
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1 timothy 6:7-10, something we really should just take
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1 timothy 6:7-10, something we really should just take a little time to sit and think
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We really should just take a little time to sit and think about, "for we brought
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A little time to sit and think about, "for we brought nothing into the world,
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About, "for we brought nothing into the world, and we can take nothing out.
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Nothing into the world, and we can take nothing out. but if we have food
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And we can take nothing out. but if we have food and clothing, we shall
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But if we have food and clothing, we shall be content with that."
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And clothing, we shall be content with that." now, you know how well
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That message goes over,
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That message goes over, in the society we live in today?
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That message goes over, in the society we live in today? it's very difficult to get
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In the society we live in today? it's very difficult to get people who live in a western
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It's very difficult to get people who live in a western culture to be content,
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People who live in a western culture to be content, unless they have everything
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Culture to be content, unless they have everything that seems to be out there.
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Unless they have everything that seems to be out there. and i've been in a lot
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That seems to be out there. and i've been in a lot of third world countries,
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And i've been in a lot of third world countries, and they have very little,
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Of third world countries, and they have very little, and to be honest sometimes
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And they have very little, and to be honest sometimes even in the midst of their
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And to be honest sometimes even in the midst of their great lack, they are happier,
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Even in the midst of their great lack, they are happier, and have a better attitude,
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Great lack, they are happier, and have a better attitude, than some people who
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And have a better attitude, than some people who seem to have everything.
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Than some people who seem to have everything. so, i really think sometimes,
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Seem to have everything. so, i really think sometimes, the more we have the unhappier
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So, i really think sometimes, the more we have the unhappier we become, and it seems like
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The more we have the unhappier we become, and it seems like the more things you have,
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We become, and it seems like the more things you have, the more things you want.
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The more things you have, the more things you want. now, i believe god
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The more things you want. now, i believe god wants to bless us,
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Now, i believe god wants to bless us, and i believe that money's fine,
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Wants to bless us, and i believe that money's fine, money's not evil, it's the love
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And i believe that money's fine, money's not evil, it's the love of money that's evil,
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Money's not evil, it's the love of money that's evil, but we need to be more focused
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Of money that's evil, but we need to be more focused on what we can do for other
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But we need to be more focused on what we can do for other people with our money,
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On what we can do for other people with our money, than hoarding it all,
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People with our money, than hoarding it all, and keeping it for ourselves.
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Which is also difficult because
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Which is also difficult because selfishness is ingrained
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Which is also difficult because selfishness is ingrained in human nature, without god.
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Selfishness is ingrained in human nature, without god. "those who want to get
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In human nature, without god. "those who want to get rich fall into temptation,
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"those who want to get rich fall into temptation, and a trap and into many
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Rich fall into temptation, and a trap and into many foolish and harmful desires
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And a trap and into many foolish and harmful desires that plunge people
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Foolish and harmful desires that plunge people into ruin and destruction.
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That plunge people into ruin and destruction. for the love of money
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Into ruin and destruction. for the love of money is a root of all kinds of evil.
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For the love of money is a root of all kinds of evil. some people, eager for money,
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Is a root of all kinds of evil. some people, eager for money, have wandered away from
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Some people, eager for money, have wandered away from the faith and pierced themselves
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Have wandered away from the faith and pierced themselves with many griefs."
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The faith and pierced themselves with many griefs." i remember one time the lord
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Told me, there's two tests you
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Told me, there's two tests you have to pass concerning money,
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Told me, there's two tests you have to pass concerning money, how you behave when you don't
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Have to pass concerning money, how you behave when you don't have enough, and how you
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How you behave when you don't have enough, and how you behave when you have a lot.
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Have enough, and how you behave when you have a lot. and i thought that
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Behave when you have a lot. and i thought that was interesting,
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And i thought that was interesting, because sometimes the more
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Was interesting, because sometimes the more you have the more it draws
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Because sometimes the more you have the more it draws you away from god, because
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You have the more it draws you away from god, because we can become self-reliant,
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You away from god, because we can become self-reliant, we don't have needs,
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We can become self-reliant, we don't have needs, and so it's easy to start
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We don't have needs, and so it's easy to start depending on the money to take
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And so it's easy to start depending on the money to take care of us, rather than god.
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Depending on the money to take care of us, rather than god. and you know,
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Care of us, rather than god. and you know, no matter what we have,
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And you know, no matter what we have, no matter how much we have,
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No matter what we have, no matter how much we have, no matter how much money
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No matter how much we have, no matter how much money somebody has invested,
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No matter how much money somebody has invested, it could literally disappear
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Somebody has invested, it could literally disappear overnight, the way the world is.
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It could literally disappear overnight, the way the world is. and so, the love of money
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Overnight, the way the world is. and so, the love of money is evil, but not money.
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Money actually,
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Money actually, can be a great blessing
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Money actually, can be a great blessing if you learn how to use it,
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Can be a great blessing if you learn how to use it, to make other people happy.
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If you learn how to use it, to make other people happy. and the bible says in acts,
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To make other people happy. and the bible says in acts, "that it is more blessed
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And the bible says in acts, "that it is more blessed to give than to receive,"
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"that it is more blessed to give than to receive," and yet it's so hard
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To give than to receive," and yet it's so hard for us to get into that
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Area of living to give,
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Area of living to give, rather than living to get.
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Area of living to give, rather than living to get. and the thing is,
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Rather than living to get. and the thing is, is if you can see
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And the thing is, is if you can see the spiritual side of it,
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Is if you can see the spiritual side of it, you cannot out give god,
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The spiritual side of it, you cannot out give god, and so the more you give,
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You cannot out give god, and so the more you give, the more he's going
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And so the more you give, the more he's going to do for you,
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The more he's going to do for you, and the more you give,
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To do for you, and the more you give, the more you do
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And the more you give, the more you do for other people,
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The more you do for other people, the happier you're going to be.
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The reason why it's more blessed
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The reason why it's more blessed to give, than to receive,
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The reason why it's more blessed to give, than to receive, is because if you get something
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To give, than to receive, is because if you get something you only get the thing,
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Is because if you get something you only get the thing, which is good, you know,
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You only get the thing, which is good, you know, i'm not against stuff.
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Which is good, you know, i'm not against stuff. but when you give,
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I'm not against stuff. but when you give, you get joy.
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But when you give, you get joy. how many of you believe that
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You get joy. how many of you believe that joy is really much better
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How many of you believe that joy is really much better than things and money?
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Joy is really much better than things and money? because no matter
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Than things and money? because no matter what you have,
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Because no matter what you have, if you have no peace
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What you have, if you have no peace and you have no joy,
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If you have no peace and you have no joy, then what's it worth?
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And you have no joy, then what's it worth? it's worth absolutely nothing.
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So, james dobson had
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So, james dobson had a great revelation, one time,
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So, james dobson had a great revelation, one time, while he was playing
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A great revelation, one time, while he was playing the game, monopoly.
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While he was playing the game, monopoly. when he suddenly realized--
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The game, monopoly. when he suddenly realized-- and i want you to get this.
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When he suddenly realized-- and i want you to get this. "when our lives are over,
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And i want you to get this. "when our lives are over, everything we have gained
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"when our lives are over, everything we have gained will go back in the box,
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Everything we have gained will go back in the box, so to speak, and someone else
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Will go back in the box, so to speak, and someone else will come along and start
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So to speak, and someone else will come along and start all over with what we worked
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Will come along and start all over with what we worked all of our lives to get.
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All over with what we worked all of our lives to get. so, why not spend your life
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All of our lives to get. so, why not spend your life doing something that will last?"
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So, why not spend your life doing something that will last?" and the bible tells us,
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Doing something that will last?" and the bible tells us, that what we give here,
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And the bible tells us, that what we give here, is an eternal thing,
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That what we give here, is an eternal thing, i think that people that
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Is an eternal thing, i think that people that are real givers,
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I think that people that are real givers, will still be getting
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Are real givers, will still be getting blessed in heaven,
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Will still be getting blessed in heaven, from what they gave
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Blessed in heaven, from what they gave here in the earth.
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From what they gave here in the earth. so, let's talk about something
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Here in the earth. so, let's talk about something that most people don't
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So, let's talk about something that most people don't even think is possible,
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That most people don't even think is possible, and that's becoming
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Even think is possible, and that's becoming and living debt-free.
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You can never do it if you
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You can never do it if you don't believe it's possible.
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You can never do it if you don't believe it's possible. and so, all things are
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Don't believe it's possible. and so, all things are possible with god.
00:07:23.599 --> 00:07:27.270
And so, all things are possible with god. you can live debt-free.
00:07:27.336 --> 00:07:30.039
Debt is very oppressive,
00:07:30.106 --> 00:07:33.409
Debt is very oppressive, it's a very heavy burden,
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Debt is very oppressive, it's a very heavy burden, "jesus looked at them and said,
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It's a very heavy burden, "jesus looked at them and said, "with man this is impossible,
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"jesus looked at them and said, "with man this is impossible, but with god all things
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"with man this is impossible, but with god all things are possible."
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But with god all things are possible." that is like my scripture
00:07:42.685 --> 00:07:46.455
For the year,
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For the year, i wanna really stir myself
00:07:48.024 --> 00:07:49.258
For the year, i wanna really stir myself up in faith again,
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I wanna really stir myself up in faith again, and just believe there's
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Up in faith again, and just believe there's nothing that god can't do.
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And just believe there's nothing that god can't do. so, everybody say nice and loud,
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Nothing that god can't do. so, everybody say nice and loud, "i can live debt-free."
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So, everybody say nice and loud, "i can live debt-free." >> joyce: boy, doesn't
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"i can live debt-free." >> joyce: boy, doesn't that sound good?
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>> joyce: boy, doesn't that sound good? a person can never
00:08:03.339 --> 00:08:04.273
That sound good? a person can never be debt-free if they're addicted
00:08:04.340 --> 00:08:06.242
A person can never be debt-free if they're addicted to instant gratification.
00:08:06.309 --> 00:08:09.712
Be debt-free if they're addicted to instant gratification. and boy, we have a big problem
00:08:09.779 --> 00:08:10.913
To instant gratification. and boy, we have a big problem with that today, don't we?
00:08:10.980 --> 00:08:12.782
And boy, we have a big problem with that today, don't we? we want it,
00:08:12.848 --> 00:08:13.783
With that today, don't we? we want it, we want it, right now.
00:08:13.849 --> 00:08:15.885
We want it, we want it, right now. but if you ever wanna
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We want it, right now. but if you ever wanna be debt-free, you have to learn
00:08:16.719 --> 00:08:18.321
But if you ever wanna be debt-free, you have to learn how to be patient and save
00:08:18.387 --> 00:08:21.190
Be debt-free, you have to learn how to be patient and save for what you want,
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How to be patient and save for what you want, and then pay for it,
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For what you want, and then pay for it, and not have a debt on it.
00:08:26.095 --> 00:08:29.699
And then pay for it, and not have a debt on it. being debt-free requires saving
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And not have a debt on it. being debt-free requires saving money for things you need,
00:08:32.401 --> 00:08:35.171
Being debt-free requires saving money for things you need, and i drew a big circle around
00:08:35.237 --> 00:08:36.539
Money for things you need, and i drew a big circle around "you need," because you see,
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And i drew a big circle around "you need," because you see, we think we need a lot of things
00:08:40.176 --> 00:08:43.746
"you need," because you see, we think we need a lot of things that we really don't need,
00:08:43.813 --> 00:08:45.881
We think we need a lot of things that we really don't need, or we can even think that
00:08:45.948 --> 00:08:47.216
That we really don't need, or we can even think that we need something that we've
00:08:47.283 --> 00:08:48.417
Or we can even think that we need something that we've already got 50 of at home.
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We need something that we've already got 50 of at home. how many of you ladies
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Already got 50 of at home. how many of you ladies can see a pair of earrings
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How many of you ladies can see a pair of earrings and think, "oh, i need those"?
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Can see a pair of earrings and think, "oh, i need those"? i used to buy earrings
00:09:00.429 --> 00:09:01.330
And think, "oh, i need those"? i used to buy earrings because they were pretty,
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I used to buy earrings because they were pretty, and then i didn't have
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Because they were pretty, and then i didn't have anything to wear 'em with.
00:09:04.233 --> 00:09:06.602
And then i didn't have anything to wear 'em with. and a girl that i buy a lot
00:09:06.669 --> 00:09:07.770
Anything to wear 'em with. and a girl that i buy a lot of my clothes from,
00:09:07.837 --> 00:09:10.172
And a girl that i buy a lot of my clothes from, she'll have some pretty jewelry
00:09:10.239 --> 00:09:11.340
Of my clothes from, she'll have some pretty jewelry in her shop, and i'll say,
00:09:11.407 --> 00:09:12.642
She'll have some pretty jewelry in her shop, and i'll say, "ew, boy, those are pretty,
00:09:12.708 --> 00:09:14.143
In her shop, and i'll say, "ew, boy, those are pretty, i want those!"
00:09:14.210 --> 00:09:14.844
"ew, boy, those are pretty, i want those!" and she'll say, "now,
00:09:14.910 --> 00:09:15.444
I want those!" and she'll say, "now, wait a minute, joyce, what are
00:09:15.511 --> 00:09:16.312
And she'll say, "now, wait a minute, joyce, what are you gonna do with them?"
00:09:16.379 --> 00:09:19.181
Wait a minute, joyce, what are you gonna do with them?" and i wonder how many things
00:09:19.248 --> 00:09:20.249
You gonna do with them?" and i wonder how many things you have in your home,
00:09:20.316 --> 00:09:22.284
And i wonder how many things you have in your home, in closets and drawers,
00:09:22.351 --> 00:09:23.586
You have in your home, in closets and drawers, that you've paid for and have
00:09:23.653 --> 00:09:25.087
In closets and drawers, that you've paid for and have never used one time,
00:09:25.154 --> 00:09:29.959
That you've paid for and have never used one time, and couldn't even find
00:09:30.026 --> 00:09:30.893
Never used one time, and couldn't even find if you needed it.
00:09:30.960 --> 00:09:35.498
And couldn't even find if you needed it. you have to stop spending
00:09:35.564 --> 00:09:36.766
If you needed it. you have to stop spending everything you have
00:09:36.832 --> 00:09:37.733
You have to stop spending everything you have and then borrowing more,
00:09:37.800 --> 00:09:40.202
Everything you have and then borrowing more, to get all these things
00:09:40.269 --> 00:09:41.303
And then borrowing more, to get all these things that you want,
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To get all these things that you want, but really don't need.
00:09:42.104 --> 00:09:45.441
That you want, but really don't need. now credit cards are great
00:09:45.508 --> 00:09:46.575
But really don't need. now credit cards are great if you can manage 'em,
00:09:46.642 --> 00:09:48.711
Now credit cards are great if you can manage 'em, but to be honest,
00:09:48.778 --> 00:09:50.680
If you can manage 'em, but to be honest, the only way that you
00:09:50.746 --> 00:09:52.281
But to be honest, the only way that you should use credit cards,
00:09:52.348 --> 00:09:54.083
The only way that you should use credit cards, and it may take you a while
00:09:54.150 --> 00:09:55.618
Should use credit cards, and it may take you a while to get to this point;
00:09:55.685 --> 00:09:57.520
And it may take you a while to get to this point; is to not put anything
00:09:57.586 --> 00:09:58.688
To get to this point; is to not put anything on them that you cannot pay
00:09:58.754 --> 00:10:00.189
Is to not put anything on them that you cannot pay off at the end of the month.
00:10:00.256 --> 00:10:03.559
On them that you cannot pay off at the end of the month. use them for convenience only,
00:10:03.626 --> 00:10:06.162
Off at the end of the month. use them for convenience only, because what most people
00:10:06.228 --> 00:10:07.596
Use them for convenience only, because what most people do is they run up this big
00:10:07.663 --> 00:10:09.065
Because what most people do is they run up this big credit card debt, and then they
00:10:09.131 --> 00:10:11.233
Do is they run up this big credit card debt, and then they make the minimum payment.
00:10:11.300 --> 00:10:14.770
Credit card debt, and then they make the minimum payment. you know, people--
00:10:14.837 --> 00:10:16.305
Make the minimum payment. you know, people-- you have to be an investor
00:10:16.372 --> 00:10:17.740
You know, people-- you have to be an investor in life, and not a gambler.
00:10:17.807 --> 00:10:20.543
You have to be an investor in life, and not a gambler. you can't just do the wrong
00:10:20.609 --> 00:10:21.811
In life, and not a gambler. you can't just do the wrong thing and gamble that you're
00:10:21.877 --> 00:10:23.079
You can't just do the wrong thing and gamble that you're gonna get a right result,
00:10:23.145 --> 00:10:25.815
Thing and gamble that you're gonna get a right result, because you won't.
00:10:25.881 --> 00:10:27.416
Gonna get a right result, because you won't. i just wrote a book on proverbs,
00:10:27.483 --> 00:10:29.118
Because you won't. i just wrote a book on proverbs, and boy i'll tell you when
00:10:29.185 --> 00:10:30.553
I just wrote a book on proverbs, and boy i'll tell you when you study proverbs,
00:10:30.619 --> 00:10:31.654
And boy i'll tell you when you study proverbs, i mean, you just come
00:10:31.721 --> 00:10:33.522
You study proverbs, i mean, you just come out with one conclusion,
00:10:33.589 --> 00:10:35.591
I mean, you just come out with one conclusion, the wise man is gonna prosper,
00:10:35.658 --> 00:10:37.226
Out with one conclusion, the wise man is gonna prosper, and the fool is gonna have
00:10:37.293 --> 00:10:38.761
The wise man is gonna prosper, and the fool is gonna have nothing but a mess in their
00:10:38.828 --> 00:10:39.962
And the fool is gonna have nothing but a mess in their life, in every single area
00:10:40.029 --> 00:10:41.063
Nothing but a mess in their life, in every single area of their life, and to me--
00:10:41.130 --> 00:10:43.265
Life, in every single area of their life, and to me-- this is my own definition,
00:10:43.332 --> 00:10:44.500
Of their life, and to me-- this is my own definition, but i say that, wisdom
00:10:44.567 --> 00:10:46.135
This is my own definition, but i say that, wisdom is doing now what you'll
00:10:46.202 --> 00:10:47.303
But i say that, wisdom is doing now what you'll be happy with later on.
00:10:47.369 --> 00:10:51.640
And foolishness is:
00:10:51.707 --> 00:10:55.077
And foolishness is: having this need for instant
00:10:55.144 --> 00:10:57.813
And foolishness is: having this need for instant gratification, and doing things
00:10:57.880 --> 00:11:00.950
Having this need for instant gratification, and doing things that really just are not wisdom.
00:11:01.016 --> 00:11:06.756
Gratification, and doing things that really just are not wisdom. so, you cannot be addicted
00:11:06.822 --> 00:11:08.457
To instant gratification.
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To instant gratification. when we borrow money,
00:11:09.992 --> 00:11:10.993
To instant gratification. when we borrow money, we're spending tomorrow's
00:11:11.060 --> 00:11:12.161
When we borrow money, we're spending tomorrow's prosperity, today.
00:11:12.228 --> 00:11:15.898
We're spending tomorrow's prosperity, today. so, think about that.
00:11:15.965 --> 00:11:17.266
Prosperity, today. so, think about that. and then when tomorrow comes,
00:11:17.333 --> 00:11:20.536
So, think about that. and then when tomorrow comes, we have to borrow to pay what
00:11:20.603 --> 00:11:22.705
And then when tomorrow comes, we have to borrow to pay what we owe, and so, it just keeps
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We have to borrow to pay what we owe, and so, it just keeps an unhealthy cycle going in our
00:11:26.609 --> 00:11:28.277
We owe, and so, it just keeps an unhealthy cycle going in our lives, because we're always,
00:11:28.344 --> 00:11:30.980
An unhealthy cycle going in our lives, because we're always, have already spent what we're
00:11:31.046 --> 00:11:33.048
Lives, because we're always, have already spent what we're working for, so then,
00:11:33.115 --> 00:11:35.251
Have already spent what we're working for, so then, when it comes time to pay
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Working for, so then, when it comes time to pay the bills that you have to pay,
00:11:36.886 --> 00:11:38.521
When it comes time to pay the bills that you have to pay, and buy the things you have
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The bills that you have to pay, and buy the things you have to have, then you have no choice
00:11:39.555 --> 00:11:41.023
And buy the things you have to have, then you have no choice but to borrow more money because
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To have, then you have no choice but to borrow more money because you gotta use the money you have
00:11:43.159 --> 00:11:44.226
But to borrow more money because you gotta use the money you have now to pay for what you bought
00:11:44.293 --> 00:11:45.461
You gotta use the money you have now to pay for what you bought way back there somewhere.
00:11:45.528 --> 00:11:48.497
Now to pay for what you bought way back there somewhere. and once again, so much of this
00:11:48.564 --> 00:11:51.500
Way back there somewhere. and once again, so much of this is due to instant gratification,
00:11:51.567 --> 00:11:54.537
And once again, so much of this is due to instant gratification, and not thinking,
00:11:54.603 --> 00:11:55.971
Is due to instant gratification, and not thinking, really thinking about,
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And not thinking, really thinking about, "do i need this?"
00:11:57.573 --> 00:11:59.308
Really thinking about, "do i need this?" now, there's nothing wrong
00:11:59.375 --> 00:12:00.643
"do i need this?" now, there's nothing wrong with buying some things that
00:12:00.709 --> 00:12:01.510
Now, there's nothing wrong with buying some things that you want, but i will say this,
00:12:01.577 --> 00:12:03.913
With buying some things that you want, but i will say this, if you're already head over
00:12:03.979 --> 00:12:05.014
You want, but i will say this, if you're already head over heels in debt, you don't need
00:12:05.080 --> 00:12:06.549
If you're already head over heels in debt, you don't need to be buying a lot of what
00:12:06.615 --> 00:12:07.883
Heels in debt, you don't need to be buying a lot of what you want, you need to really
00:12:07.950 --> 00:12:10.820
To be buying a lot of what you want, you need to really just be buying what you need.
00:12:10.886 --> 00:12:13.189
You want, you need to really just be buying what you need. it's kinda like if--if you live
00:12:13.255 --> 00:12:14.990
Just be buying what you need. it's kinda like if--if you live an unbalanced life over here,
00:12:15.057 --> 00:12:17.760
It's kinda like if--if you live an unbalanced life over here, you've spent money that you
00:12:17.827 --> 00:12:19.094
An unbalanced life over here, you've spent money that you don't have, then to overcome
00:12:19.161 --> 00:12:22.665
You've spent money that you don't have, then to overcome this over on this side, you're
00:12:22.731 --> 00:12:24.366
Don't have, then to overcome this over on this side, you're gonna have to do without some
00:12:24.433 --> 00:12:25.701
This over on this side, you're gonna have to do without some things for a while, in order to
00:12:25.768 --> 00:12:28.871
Gonna have to do without some things for a while, in order to get your life back in balance.
00:12:28.938 --> 00:12:31.507
Things are not nearly as
00:12:31.574 --> 00:12:32.908
Things are not nearly as important as we think they are.
00:12:32.975 --> 00:12:38.180
Things are not nearly as important as we think they are. dave ramsey presents a brilliant
00:12:38.247 --> 00:12:40.216
Important as we think they are. dave ramsey presents a brilliant plan to getting out of debt,
00:12:40.282 --> 00:12:42.284
Dave ramsey presents a brilliant plan to getting out of debt, and i hope i say it right,
00:12:42.351 --> 00:12:44.854
Plan to getting out of debt, and i hope i say it right, but just remember that name,
00:12:44.920 --> 00:12:47.122
Dave ramsey, he's probably
00:12:47.189 --> 00:12:49.124
Dave ramsey, he's probably the premier teacher on finances
00:12:49.191 --> 00:12:50.426
Dave ramsey, he's probably the premier teacher on finances today, lots and lots of wisdom,
00:12:50.492 --> 00:12:53.762
The premier teacher on finances today, lots and lots of wisdom, he's got a tv show,
00:12:53.829 --> 00:12:54.597
Today, lots and lots of wisdom, he's got a tv show, i think a radio show,
00:12:54.663 --> 00:12:55.664
He's got a tv show, i think a radio show, and plenty of books.
00:12:55.731 --> 00:12:57.600
I think a radio show, and plenty of books. and he says that what you
00:12:57.666 --> 00:13:00.336
And plenty of books. and he says that what you do is, you, if you're in debt,
00:13:00.402 --> 00:13:03.372
And he says that what you do is, you, if you're in debt, you pay off the smallest debt
00:13:03.439 --> 00:13:05.875
Do is, you, if you're in debt, you pay off the smallest debt first because then, you feel
00:13:05.941 --> 00:13:07.376
You pay off the smallest debt first because then, you feel good that you paid off a debt.
00:13:07.443 --> 00:13:09.378
First because then, you feel good that you paid off a debt. but then, let's just say
00:13:09.445 --> 00:13:10.646
Good that you paid off a debt. but then, let's just say the payment on that debt
00:13:10.713 --> 00:13:11.513
But then, let's just say the payment on that debt was $50 a month,
00:13:11.580 --> 00:13:12.748
The payment on that debt was $50 a month, but then you don't say,
00:13:12.815 --> 00:13:13.849
Was $50 a month, but then you don't say, "oh boy, i've got $50 a month
00:13:13.916 --> 00:13:15.017
But then you don't say, "oh boy, i've got $50 a month more now to spend."
00:13:15.084 --> 00:13:16.652
"oh boy, i've got $50 a month more now to spend." what you do is, you take
00:13:16.719 --> 00:13:18.053
More now to spend." what you do is, you take that $50 and you add
00:13:18.120 --> 00:13:20.222
What you do is, you take that $50 and you add it to the payment on the next
00:13:20.289 --> 00:13:22.591
That $50 and you add it to the payment on the next smallest debt, so say,
00:13:22.658 --> 00:13:25.361
It to the payment on the next smallest debt, so say, you have another debt,
00:13:25.427 --> 00:13:26.962
Smallest debt, so say, you have another debt, that the payments $45,
00:13:27.029 --> 00:13:28.330
You have another debt, that the payments $45, well now, instead of paying $45,
00:13:28.397 --> 00:13:29.865
That the payments $45, well now, instead of paying $45, you pay $95 a month on that.
00:13:29.932 --> 00:13:33.569
Well now, instead of paying $45, you pay $95 a month on that. then when those two are
00:13:33.636 --> 00:13:34.303
You pay $95 a month on that. then when those two are paid off, you take the money
00:13:34.370 --> 00:13:36.071
Then when those two are paid off, you take the money from those two and you
00:13:36.138 --> 00:13:37.273
Paid off, you take the money from those two and you add it to the next one.
00:13:37.339 --> 00:13:39.441
From those two and you add it to the next one. and it may take two years,
00:13:39.508 --> 00:13:42.111
Add it to the next one. and it may take two years, it may take 5 years,
00:13:42.177 --> 00:13:44.947
And it may take two years, it may take 5 years, but let me ask you something,
00:13:45.014 --> 00:13:46.515
It may take 5 years, but let me ask you something, is doing that for 2, 3, 4, 5,
00:13:46.582 --> 00:13:49.585
But let me ask you something, is doing that for 2, 3, 4, 5, years better than being
00:13:49.652 --> 00:13:51.153
Is doing that for 2, 3, 4, 5, years better than being in bondage all of your life
00:13:51.220 --> 00:13:53.289
Years better than being in bondage all of your life and continuing to keep
00:13:53.355 --> 00:13:54.523
In bondage all of your life and continuing to keep the same ridiculous cycle going,
00:13:54.590 --> 00:13:57.259
And continuing to keep the same ridiculous cycle going, all the time?
00:13:57.326 --> 00:13:58.827
The same ridiculous cycle going, all the time? everybody say,
00:13:58.894 --> 00:13:59.495
All the time? everybody say, "i can live debt-free."
00:13:59.561 --> 00:14:02.765
Everybody say, "i can live debt-free." >> joyce: now, let's just
00:14:02.831 --> 00:14:04.533
"i can live debt-free." >> joyce: now, let's just throw the word suffer
00:14:04.600 --> 00:14:05.534
>> joyce: now, let's just throw the word suffer out for a minute.
00:14:05.601 --> 00:14:07.603
Throw the word suffer out for a minute. not a word we like,
00:14:07.670 --> 00:14:09.438
Out for a minute. not a word we like, but if you're going to get out
00:14:09.505 --> 00:14:12.341
Not a word we like, but if you're going to get out of debt and be debt-free,
00:14:12.408 --> 00:14:13.809
But if you're going to get out of debt and be debt-free, you will have to let
00:14:13.876 --> 00:14:15.377
Of debt and be debt-free, you will have to let your flesh suffer, because
00:14:15.444 --> 00:14:19.581
You will have to let your flesh suffer, because it wants what it wants,
00:14:19.648 --> 00:14:21.917
Your flesh suffer, because it wants what it wants, and it pouts and feels
00:14:21.984 --> 00:14:25.254
It wants what it wants, and it pouts and feels sorry for itself when
00:14:25.321 --> 00:14:28.090
And it pouts and feels sorry for itself when it doesn't get it.
00:14:28.157 --> 00:14:29.024
Sorry for itself when it doesn't get it. but we are to walk according
00:14:29.091 --> 00:14:30.392
It doesn't get it. but we are to walk according to the spirit, not according
00:14:30.459 --> 00:14:33.529
But we are to walk according to the spirit, not according to the flesh.
00:14:33.595 --> 00:14:35.230
To the spirit, not according to the flesh. to get out of debt, you're
00:14:35.297 --> 00:14:36.598
To the flesh. to get out of debt, you're gonna have to be patient,
00:14:36.665 --> 00:14:38.200
To get out of debt, you're gonna have to be patient, persistent and learn
00:14:38.267 --> 00:14:40.369
Gonna have to be patient, persistent and learn the difference between what
00:14:40.436 --> 00:14:41.236
Persistent and learn the difference between what you need and what you want.
00:14:41.303 --> 00:14:43.572
The difference between what you need and what you want. before buying anything, ask
00:14:43.639 --> 00:14:45.541
You need and what you want. before buying anything, ask yourself if you can afford it,
00:14:45.607 --> 00:14:48.811
Before buying anything, ask yourself if you can afford it, without going in debt to get it,
00:14:48.877 --> 00:14:51.180
Yourself if you can afford it, without going in debt to get it, and if what you're going
00:14:51.246 --> 00:14:54.750
Without going in debt to get it, and if what you're going to spend on it, is truly
00:14:54.817 --> 00:14:56.485
And if what you're going to spend on it, is truly worth it to you.
00:14:56.552 --> 00:14:59.455
To spend on it, is truly worth it to you. i heard my daughter say
00:14:59.521 --> 00:15:00.556
Worth it to you. i heard my daughter say something that she liked
00:15:00.622 --> 00:15:01.924
I heard my daughter say something that she liked something that i have, and so,
00:15:01.991 --> 00:15:03.258
Something that she liked something that i have, and so, i thought about it, and i told
00:15:03.325 --> 00:15:06.061
Something that i have, and so, i thought about it, and i told her, "i'd like to buy you one."
00:15:06.128 --> 00:15:09.198
I thought about it, and i told her, "i'd like to buy you one." and she said, "oh, man,
00:15:09.264 --> 00:15:11.166
Her, "i'd like to buy you one." and she said, "oh, man, that'd be great!"
00:15:11.233 --> 00:15:12.468
And she said, "oh, man, that'd be great!" and she called me the next day,
00:15:12.534 --> 00:15:13.936
That'd be great!" and she called me the next day, and she said, "you know what?
00:15:14.003 --> 00:15:14.870
And she called me the next day, and she said, "you know what? i've decided not to let
00:15:14.937 --> 00:15:15.637
And she said, "you know what? i've decided not to let you buy me that."
00:15:15.704 --> 00:15:16.872
I've decided not to let you buy me that." and i said, "well why not?"
00:15:16.939 --> 00:15:17.873
You buy me that." and i said, "well why not?" i mean, who wouldn't want
00:15:17.940 --> 00:15:19.274
And i said, "well why not?" i mean, who wouldn't want a free gift?
00:15:19.341 --> 00:15:20.242
I mean, who wouldn't want a free gift? and she said, "you know what?
00:15:20.309 --> 00:15:23.278
A free gift? and she said, "you know what? i thought it over, and she said,
00:15:23.345 --> 00:15:25.114
And she said, "you know what? i thought it over, and she said, "yeah, i would like it but,"
00:15:25.180 --> 00:15:26.782
I thought it over, and she said, "yeah, i would like it but," she said, "it's not worth
00:15:26.849 --> 00:15:28.317
"yeah, i would like it but," she said, "it's not worth it to me, the amount of money
00:15:28.384 --> 00:15:30.085
She said, "it's not worth it to me, the amount of money that it costs," and she said,
00:15:30.152 --> 00:15:32.388
It to me, the amount of money that it costs," and she said, "i want to use your money,
00:15:32.454 --> 00:15:35.324
That it costs," and she said, "i want to use your money, the same way i would use mine."
00:15:35.391 --> 00:15:38.927
"i want to use your money, the same way i would use mine." now, that's a smart kid.
00:15:38.994 --> 00:15:41.630
And so, i wanna say something
00:15:41.697 --> 00:15:44.033
And so, i wanna say something and i want you to remember this,
00:15:44.099 --> 00:15:45.234
And so, i wanna say something and i want you to remember this, you can't just expect money,
00:15:45.300 --> 00:15:46.301
And i want you to remember this, you can't just expect money, you have to respect money.
00:15:46.368 --> 00:15:51.106
You can't just expect money, you have to respect money. and i think that's worth
00:15:51.173 --> 00:15:52.674
You have to respect money. and i think that's worth writing down and keeping.
00:15:52.741 --> 00:15:54.476
And i think that's worth writing down and keeping. you can't just expect money,
00:15:54.543 --> 00:15:56.712
Writing down and keeping. you can't just expect money, you have to respect money,
00:15:56.779 --> 00:15:58.847
You can't just expect money, you have to respect money, and respecting money means
00:15:58.914 --> 00:16:02.484
That you don't just use
00:16:02.551 --> 00:16:03.519
That you don't just use it frivolously.
00:16:03.585 --> 00:16:05.454
That you don't just use it frivolously. you know, if you're gonna
00:16:05.521 --> 00:16:06.789
It frivolously. you know, if you're gonna spend $20, i don't think
00:16:06.855 --> 00:16:09.691
You know, if you're gonna spend $20, i don't think you have to have a prayer
00:16:09.758 --> 00:16:11.727
Spend $20, i don't think you have to have a prayer meeting about it,
00:16:11.794 --> 00:16:12.561
You have to have a prayer meeting about it, and wait four days,
00:16:12.628 --> 00:16:14.363
Meeting about it, and wait four days, i mean unless you don't
00:16:14.430 --> 00:16:15.130
And wait four days, i mean unless you don't have the $20, then you do.
00:16:15.197 --> 00:16:16.632
I mean unless you don't have the $20, then you do. but if you're gonna buy
00:16:16.698 --> 00:16:17.499
Have the $20, then you do. but if you're gonna buy anything, that's any sizable
00:16:17.566 --> 00:16:21.036
But if you're gonna buy anything, that's any sizable amount of money, i strongly
00:16:21.103 --> 00:16:22.971
Anything, that's any sizable amount of money, i strongly suggest that you sleep on it for
00:16:23.038 --> 00:16:25.908
Amount of money, i strongly suggest that you sleep on it for a night, because when you're
00:16:25.974 --> 00:16:28.210
Suggest that you sleep on it for a night, because when you're looking at something
00:16:28.277 --> 00:16:29.144
A night, because when you're looking at something in the shiny case,
00:16:29.211 --> 00:16:31.580
Looking at something in the shiny case, or the showroom floor,
00:16:31.647 --> 00:16:34.616
In the shiny case, or the showroom floor, can i tell you something ladies,
00:16:34.683 --> 00:16:36.485
Or the showroom floor, can i tell you something ladies, it won't look as good on you,
00:16:36.552 --> 00:16:37.586
Can i tell you something ladies, it won't look as good on you, as it did on the model.
00:16:37.653 --> 00:16:41.857
It won't look as good on you, as it did on the model. and it doesn't shine as much
00:16:41.924 --> 00:16:43.659
As it did on the model. and it doesn't shine as much when you get home,
00:16:43.725 --> 00:16:45.360
And it doesn't shine as much when you get home, as it did in the jewelry store.
00:16:45.427 --> 00:16:47.396
When you get home, as it did in the jewelry store. i bought a piece of jewelry
00:16:47.463 --> 00:16:48.397
As it did in the jewelry store. i bought a piece of jewelry one time at a jewelry store,
00:16:48.464 --> 00:16:51.200
I bought a piece of jewelry one time at a jewelry store, and i just thought
00:16:51.266 --> 00:16:52.568
One time at a jewelry store, and i just thought it was beautiful, and when
00:16:52.634 --> 00:16:53.569
And i just thought it was beautiful, and when i got it home, i thought,
00:16:53.635 --> 00:16:55.003
It was beautiful, and when i got it home, i thought, "this is not as pretty
00:16:55.070 --> 00:16:56.171
I got it home, i thought, "this is not as pretty as i thought it was."
00:16:56.238 --> 00:16:57.473
And i couldn't figure that out,
00:16:57.539 --> 00:16:59.441
And i couldn't figure that out, and then somebody said,
00:16:59.508 --> 00:17:00.776
And i couldn't figure that out, and then somebody said, "well don't you realize,
00:17:00.843 --> 00:17:01.743
And then somebody said, "well don't you realize, that they've got those lights
00:17:01.810 --> 00:17:02.778
"well don't you realize, that they've got those lights set just right, behind glass,
00:17:02.845 --> 00:17:06.982
That they've got those lights set just right, behind glass, makes it look a lot
00:17:07.049 --> 00:17:07.950
Set just right, behind glass, makes it look a lot different there,
00:17:08.016 --> 00:17:08.617
Makes it look a lot different there, than it's gonna look
00:17:08.684 --> 00:17:09.918
Different there, than it's gonna look when you get it home."
00:17:09.985 --> 00:17:11.253
Than it's gonna look when you get it home." and so, i took it back,
00:17:11.320 --> 00:17:13.722
When you get it home." and so, i took it back, got my money back.
00:17:13.789 --> 00:17:15.591
And so, i took it back, got my money back. you know, that new car
00:17:15.657 --> 00:17:17.059
Got my money back. you know, that new car on the showroom floor,
00:17:17.126 --> 00:17:18.160
You know, that new car on the showroom floor, and don't think they don't place
00:17:18.227 --> 00:17:19.461
On the showroom floor, and don't think they don't place the lights just right too.
00:17:19.528 --> 00:17:21.930
And don't think they don't place the lights just right too. oh, my gosh, it looks so
00:17:21.997 --> 00:17:23.198
The lights just right too. oh, my gosh, it looks so good, and it's clean,
00:17:23.265 --> 00:17:24.700
Oh, my gosh, it looks so good, and it's clean, there's not a tiny little
00:17:24.766 --> 00:17:26.301
Good, and it's clean, there's not a tiny little bit of dirt on it, and you think
00:17:26.368 --> 00:17:28.670
There's not a tiny little bit of dirt on it, and you think you just have to have it,
00:17:28.737 --> 00:17:30.005
But what's it gonna
00:17:30.072 --> 00:17:30.672
But what's it gonna look like in a year,
00:17:30.739 --> 00:17:32.474
But what's it gonna look like in a year, when you have it full of fast
00:17:32.541 --> 00:17:34.877
Look like in a year, when you have it full of fast food wrappers and haven't
00:17:34.943 --> 00:17:37.579
When you have it full of fast food wrappers and haven't washed it in a long time,
00:17:37.646 --> 00:17:39.748
Food wrappers and haven't washed it in a long time, and now you're stuck with
00:17:39.815 --> 00:17:42.050
Washed it in a long time, and now you're stuck with what--now if you buy a car,
00:17:42.117 --> 00:17:43.085
And now you're stuck with what--now if you buy a car, 7 years of payments, sometime?
00:17:43.152 --> 00:17:46.588
What--now if you buy a car, 7 years of payments, sometime? when you--if you're gonna
00:17:46.655 --> 00:17:47.756
7 years of payments, sometime? when you--if you're gonna buy something on credit
00:17:47.823 --> 00:17:48.624
When you--if you're gonna buy something on credit you need to ask yourself,
00:17:48.690 --> 00:17:50.025
Buy something on credit you need to ask yourself, do i want to be paying
00:17:50.092 --> 00:17:51.160
You need to ask yourself, do i want to be paying for this for 7 years,
00:17:51.226 --> 00:17:54.263
Do i want to be paying for this for 7 years, or would i rather wait?
00:17:54.329 --> 00:17:56.665
For this for 7 years, or would i rather wait? money has a great temptation
00:17:56.732 --> 00:18:00.903
Or would i rather wait? money has a great temptation attached to it.
00:18:00.969 --> 00:18:03.005
Money has a great temptation attached to it. and greed, i think,
00:18:03.071 --> 00:18:07.242
Attached to it. and greed, i think, can get all of us,
00:18:07.309 --> 00:18:08.110
And greed, i think, can get all of us, unless we fight it,
00:18:08.177 --> 00:18:10.145
Can get all of us, unless we fight it, and the only way that i know
00:18:10.212 --> 00:18:11.446
Unless we fight it, and the only way that i know how to fight greed,
00:18:11.513 --> 00:18:12.347
And the only way that i know how to fight greed, is with generosity.
00:18:12.414 --> 00:18:15.017
How to fight greed, is with generosity. i think if you're
00:18:15.083 --> 00:18:16.318
Is with generosity. i think if you're a generous person,
00:18:16.385 --> 00:18:16.919
I think if you're a generous person, then greed cannot get you.
00:18:16.985 --> 00:18:20.923
A generous person, then greed cannot get you. so, don't just expect money,
00:18:20.989 --> 00:18:24.126
Then greed cannot get you. so, don't just expect money, but respect money.
00:18:24.193 --> 00:18:26.461
Luke 14:28 and 29, "suppose one
00:18:26.528 --> 00:18:30.499
Luke 14:28 and 29, "suppose one of you wants to build a tower.
00:18:30.566 --> 00:18:32.467
Luke 14:28 and 29, "suppose one of you wants to build a tower. won't you first sit down
00:18:32.534 --> 00:18:33.502
Of you wants to build a tower. won't you first sit down and estimate the cost to see
00:18:33.569 --> 00:18:34.770
Won't you first sit down and estimate the cost to see if you have enough money
00:18:34.836 --> 00:18:35.871
And estimate the cost to see if you have enough money to complete it?
00:18:35.938 --> 00:18:38.373
If you have enough money to complete it? but if you lay the foundation
00:18:38.440 --> 00:18:40.042
To complete it? but if you lay the foundation and are not able to finish it,
00:18:40.108 --> 00:18:41.944
But if you lay the foundation and are not able to finish it, everyone who sees it,
00:18:42.010 --> 00:18:44.279
And are not able to finish it, everyone who sees it, will ridicule you."
00:18:44.346 --> 00:18:46.014
Everyone who sees it, will ridicule you." i remember a subdivision that
00:18:46.081 --> 00:18:51.720
We drove by occasionally
00:18:51.787 --> 00:18:53.021
We drove by occasionally when we were in this certain
00:18:53.088 --> 00:18:54.356
We drove by occasionally when we were in this certain area on our way back and forth
00:18:54.423 --> 00:18:56.291
When we were in this certain area on our way back and forth to the airport and oh,
00:18:56.358 --> 00:18:58.026
Area on our way back and forth to the airport and oh, it had a great entrance,
00:18:58.093 --> 00:19:00.862
To the airport and oh, it had a great entrance, and there was partial
00:19:00.929 --> 00:19:05.567
It had a great entrance, and there was partial of two houses built in there,
00:19:05.634 --> 00:19:08.337
And there was partial of two houses built in there, and it just--nothing.
00:19:08.403 --> 00:19:12.841
Of two houses built in there, and it just--nothing. it never--
00:19:12.908 --> 00:19:16.011
And it just--nothing. it never-- "what happened?" we'd say.
00:19:16.078 --> 00:19:18.146
It never-- "what happened?" we'd say. well, obviously,
00:19:18.213 --> 00:19:20.282
"what happened?" we'd say. well, obviously, they committed to something
00:19:20.349 --> 00:19:21.383
Well, obviously, they committed to something that they didn't have enough
00:19:21.450 --> 00:19:22.651
They committed to something that they didn't have enough money to finish.
00:19:22.718 --> 00:19:24.786
That they didn't have enough money to finish. and so, it looked ridiculous
00:19:24.853 --> 00:19:28.323
Money to finish. and so, it looked ridiculous with this beautiful front
00:19:28.390 --> 00:19:29.157
And so, it looked ridiculous with this beautiful front and two half-built houses.
00:19:29.224 --> 00:19:32.094
With this beautiful front and two half-built houses. and to be honest,
00:19:32.160 --> 00:19:33.462
And two half-built houses. and to be honest, when we spend all this money
00:19:33.528 --> 00:19:35.297
And to be honest, when we spend all this money on credit, and then maybe end
00:19:35.364 --> 00:19:37.065
When we spend all this money on credit, and then maybe end up having to file bankruptcy,
00:19:37.132 --> 00:19:40.102
On credit, and then maybe end up having to file bankruptcy, you know, that's--
00:19:40.168 --> 00:19:41.270
Up having to file bankruptcy, you know, that's-- you know, i know some people
00:19:41.336 --> 00:19:43.005
You know, that's-- you know, i know some people have to do that, i'm not trying
00:19:43.071 --> 00:19:44.106
You know, i know some people have to do that, i'm not trying to make anybody feel bad,
00:19:44.172 --> 00:19:45.607
Have to do that, i'm not trying to make anybody feel bad, but that's something
00:19:45.674 --> 00:19:47.309
To make anybody feel bad, but that's something that we should not let
00:19:47.376 --> 00:19:48.310
But that's something that we should not let ourselves get in that kind
00:19:48.377 --> 00:19:49.444
That we should not let ourselves get in that kind of a mess to have to do,
00:19:49.511 --> 00:19:52.848
Ourselves get in that kind of a mess to have to do, because we always should
00:19:52.914 --> 00:19:54.016
Of a mess to have to do, because we always should be responsible to pay our bills.
00:19:54.082 --> 00:19:56.551
Because we always should be responsible to pay our bills. if you're gonna make a debt,
00:19:56.618 --> 00:19:58.487
Be responsible to pay our bills. if you're gonna make a debt, pay it, and pay it on time.
00:19:58.553 --> 00:20:01.323
Before you borrow money
00:20:03.292 --> 00:20:04.426
Before you borrow money for any item that's expensive,
00:20:04.493 --> 00:20:07.195
Before you borrow money for any item that's expensive, think about it.
00:20:07.262 --> 00:20:07.929
For any item that's expensive, think about it. i tell this story sometimes,
00:20:07.996 --> 00:20:09.231
Think about it. i tell this story sometimes, i'd saved up--i think
00:20:09.298 --> 00:20:11.466
I tell this story sometimes, i'd saved up--i think it was $300, i don't remember,
00:20:11.533 --> 00:20:13.535
I'd saved up--i think it was $300, i don't remember, if you hear me tell
00:20:13.602 --> 00:20:14.269
It was $300, i don't remember, if you hear me tell it on another teaching,
00:20:14.336 --> 00:20:15.203
If you hear me tell it on another teaching, it'll probably be $200.
00:20:15.270 --> 00:20:16.204
It on another teaching, it'll probably be $200. but today it feels like $300.
00:20:16.271 --> 00:20:21.109
It'll probably be $200. but today it feels like $300. we were at the mall shopping,
00:20:21.176 --> 00:20:22.210
But today it feels like $300. we were at the mall shopping, and i needed a new watch,
00:20:22.277 --> 00:20:23.745
We were at the mall shopping, and i needed a new watch, and so we went
00:20:23.812 --> 00:20:24.413
And i needed a new watch, and so we went by this jewelry store,
00:20:24.479 --> 00:20:25.480
And so we went by this jewelry store, and oh, they had this watch,
00:20:25.547 --> 00:20:27.015
By this jewelry store, and oh, they had this watch, it had rhinestones on it,
00:20:27.082 --> 00:20:28.684
And oh, they had this watch, it had rhinestones on it, and i like things that sparkle.
00:20:28.750 --> 00:20:30.686
It had rhinestones on it, and i like things that sparkle. and you know,
00:20:30.752 --> 00:20:32.154
And i like things that sparkle. and you know, a good salesperson,
00:20:32.220 --> 00:20:34.289
And you know, a good salesperson, they know what they're doing.
00:20:34.356 --> 00:20:36.158
A good salesperson, they know what they're doing. and this was like,
00:20:36.224 --> 00:20:37.326
They know what they're doing. and this was like, "oh, this looks great on you,
00:20:37.392 --> 00:20:39.227
And this was like, "oh, this looks great on you, and now, you know,
00:20:39.294 --> 00:20:40.796
"oh, this looks great on you, and now, you know, this sale is only for today,
00:20:40.862 --> 00:20:43.165
And now, you know, this sale is only for today, and if you don't get it today,
00:20:43.231 --> 00:20:44.766
This sale is only for today, and if you don't get it today, then it's you know...blah,
00:20:44.833 --> 00:20:45.600
And if you don't get it today, then it's you know...blah, blah, blah."
00:20:45.667 --> 00:20:46.601
Then it's you know...blah, blah, blah." but i'd learned a little bit
00:20:46.668 --> 00:20:48.837
Blah, blah." but i'd learned a little bit by then and--'cause it was
00:20:48.904 --> 00:20:50.906
But i'd learned a little bit by then and--'cause it was going to take all my money,
00:20:50.972 --> 00:20:52.174
By then and--'cause it was going to take all my money, and so i said,
00:20:52.240 --> 00:20:53.375
Going to take all my money, and so i said, "well, you know what?
00:20:53.442 --> 00:20:54.109
And so i said, "well, you know what? let me just--
00:20:54.176 --> 00:20:54.576
"well, you know what? let me just-- i just wanna take a little
00:20:54.643 --> 00:20:56.511
Let me just-- i just wanna take a little bit of time, and i'll come back
00:20:56.578 --> 00:20:58.447
I just wanna take a little bit of time, and i'll come back if i want it."
00:20:58.513 --> 00:20:59.481
Bit of time, and i'll come back if i want it." well, so, i'm walking down
00:20:59.548 --> 00:21:00.315
If i want it." well, so, i'm walking down the mall, and in the meantime,
00:21:00.382 --> 00:21:01.483
Well, so, i'm walking down the mall, and in the meantime, i look in a store and i see
00:21:01.550 --> 00:21:06.188
The mall, and in the meantime, i look in a store and i see a suit that i really liked.
00:21:06.254 --> 00:21:09.057
I look in a store and i see a suit that i really liked. well, i went in and tried that
00:21:09.124 --> 00:21:10.425
A suit that i really liked. well, i went in and tried that thing on and it looked
00:21:10.492 --> 00:21:12.594
Well, i went in and tried that thing on and it looked gorgeous on me,
00:21:12.661 --> 00:21:15.530
Thing on and it looked gorgeous on me, made me look like i had
00:21:15.597 --> 00:21:16.898
Gorgeous on me, made me look like i had a tiny waist,
00:21:16.965 --> 00:21:17.499
Made me look like i had a tiny waist, it was the right color,
00:21:17.566 --> 00:21:19.634
A tiny waist, it was the right color, but that also,
00:21:19.701 --> 00:21:20.602
It was the right color, but that also, would have taken all my money.
00:21:20.669 --> 00:21:22.571
But that also, would have taken all my money. so, i decide i'll take
00:21:22.637 --> 00:21:24.706
Would have taken all my money. so, i decide i'll take another walk.
00:21:24.773 --> 00:21:25.841
So, i decide i'll take another walk. and the thing that i realized
00:21:25.907 --> 00:21:28.276
Another walk. and the thing that i realized when i asked myself,
00:21:28.343 --> 00:21:31.146
And the thing that i realized when i asked myself, "joyce, what do you
00:21:31.213 --> 00:21:32.214
When i asked myself, "joyce, what do you really want?"
00:21:32.280 --> 00:21:34.783
"joyce, what do you really want?" the thing that i wanted
00:21:34.850 --> 00:21:37.018
Really want?" the thing that i wanted was to keep my money.
00:21:37.085 --> 00:21:38.220
The thing that i wanted was to keep my money. so, i had $20 for
00:21:38.286 --> 00:21:41.490
Was to keep my money. so, i had $20 for a pair of earrings,
00:21:41.556 --> 00:21:42.357
So, i had $20 for a pair of earrings, or enough money to take
00:21:42.424 --> 00:21:43.725
A pair of earrings, or enough money to take a friend out for coffee,
00:21:43.792 --> 00:21:44.993
Or enough money to take a friend out for coffee, i didn't want to have no money,
00:21:45.060 --> 00:21:46.962
A friend out for coffee, i didn't want to have no money, even as much as i wanted
00:21:47.028 --> 00:21:47.929
I didn't want to have no money, even as much as i wanted those two things.
00:21:47.996 --> 00:21:51.133
Even as much as i wanted those two things. and so, i left with neither
00:21:51.199 --> 00:21:52.401
Those two things. and so, i left with neither one of them.
00:21:52.467 --> 00:21:54.169
And so, i left with neither one of them. and you know what?
00:21:54.236 --> 00:21:54.736
One of them. and you know what? i survived.
00:21:54.803 --> 00:21:56.538
And you know what? i survived. i stayed happy.
00:21:56.605 --> 00:21:58.173
I survived. i stayed happy. so, we really need to start
00:21:58.240 --> 00:21:59.541
I stayed happy. so, we really need to start thinking about what we're doing,
00:21:59.608 --> 00:22:03.512
So, we really need to start thinking about what we're doing, and not just doing it.
00:22:03.578 --> 00:22:06.047
Thinking about what we're doing, and not just doing it. nothing looks as good when
00:22:06.114 --> 00:22:07.816
And not just doing it. nothing looks as good when you bring it home,
00:22:07.883 --> 00:22:09.384
Nothing looks as good when you bring it home, as it did in the store.
00:22:09.451 --> 00:22:10.852
You bring it home, as it did in the store. now, my husband has a very
00:22:10.919 --> 00:22:12.387
As it did in the store. now, my husband has a very simple equation that
00:22:12.454 --> 00:22:16.258
Now, my husband has a very simple equation that he has lived by.
00:22:16.324 --> 00:22:19.494
Simple equation that he has lived by. and what dave says is,
00:22:19.561 --> 00:22:21.696
He has lived by. and what dave says is, out of everything you have,
00:22:21.763 --> 00:22:22.731
And what dave says is, out of everything you have, give some, spend some,
00:22:22.798 --> 00:22:23.932
Out of everything you have, give some, spend some, save some.
00:22:23.999 --> 00:22:26.535
Give some, spend some, save some. give some, set your--
00:22:26.601 --> 00:22:29.204
Save some. give some, set your-- set your giving aside first,
00:22:29.271 --> 00:22:31.740
Give some, set your-- set your giving aside first, that's not a want,
00:22:31.807 --> 00:22:32.574
Set your giving aside first, that's not a want, that's a need.
00:22:32.641 --> 00:22:34.075
That's not a want, that's a need. we need to give,
00:22:34.142 --> 00:22:35.577
That's a need. we need to give, because if we don't give,
00:22:35.644 --> 00:22:37.279
We need to give, because if we don't give, no matter what we have,
00:22:37.345 --> 00:22:38.313
Because if we don't give, no matter what we have, it's not gonna be blessed.
00:22:38.380 --> 00:22:40.382
No matter what we have, it's not gonna be blessed. and so, you always
00:22:40.449 --> 00:22:41.283
It's not gonna be blessed. and so, you always set aside your giving.
00:22:41.349 --> 00:22:44.286
And so, you always set aside your giving. do a little something for
00:22:44.352 --> 00:22:45.253
Set aside your giving. do a little something for yourself with the money
00:22:45.320 --> 00:22:46.221
Do a little something for yourself with the money that you work for,
00:22:46.288 --> 00:22:48.390
Yourself with the money that you work for, it gets kind of boring
00:22:48.457 --> 00:22:49.291
That you work for, it gets kind of boring if you work all the time,
00:22:49.357 --> 00:22:50.258
It gets kind of boring if you work all the time, and you never do anything
00:22:50.325 --> 00:22:51.293
If you work all the time, and you never do anything for yourself.
00:22:51.359 --> 00:22:52.294
And you never do anything for yourself. although, maybe, some people
00:22:52.360 --> 00:22:53.995
For yourself. although, maybe, some people deserve to be bored for
00:22:54.062 --> 00:22:55.130
Although, maybe, some people deserve to be bored for a little while, because
00:22:55.197 --> 00:22:57.199
Deserve to be bored for a little while, because they've lived riotously.
00:22:57.265 --> 00:22:59.768
A little while, because they've lived riotously. and then, save some.
00:22:59.835 --> 00:23:01.036
They've lived riotously. and then, save some. what if each one of you from
00:23:01.102 --> 00:23:03.104
And then, save some. what if each one of you from the time you went to work,
00:23:03.171 --> 00:23:04.406
What if each one of you from the time you went to work, when maybe you were 16, or 17,
00:23:04.473 --> 00:23:05.807
The time you went to work, when maybe you were 16, or 17, or 18, would have been saving
00:23:05.874 --> 00:23:07.609
When maybe you were 16, or 17, or 18, would have been saving 10% of everything that you
00:23:07.676 --> 00:23:09.878
Or 18, would have been saving 10% of everything that you made ever since then,
00:23:09.945 --> 00:23:13.482
10% of everything that you made ever since then, just think what you
00:23:13.548 --> 00:23:14.115
Made ever since then, just think what you would have now.
00:23:14.182 --> 00:23:15.383
Just think what you would have now. and you know what?
00:23:15.450 --> 00:23:16.051
Would have now. and you know what? if you start doing that,
00:23:16.117 --> 00:23:17.118
And you know what? if you start doing that, you don't miss it.
00:23:17.185 --> 00:23:18.987
If you start doing that, you don't miss it. you really don't miss it.
00:23:19.054 --> 00:23:21.156
You don't miss it. you really don't miss it. and so, it's very wise
00:23:21.223 --> 00:23:23.592
You really don't miss it. and so, it's very wise to manage money,
00:23:23.658 --> 00:23:24.559
And so, it's very wise to manage money, and not let money manage you.
00:23:24.626 --> 00:23:28.230
To manage money, and not let money manage you. say it again,
00:23:28.296 --> 00:23:28.897
And not let money manage you. say it again, "i can live debt-free."
00:23:28.964 --> 00:23:33.134
Say it again, "i can live debt-free." thank you so much
00:23:33.201 --> 00:23:33.735
"i can live debt-free." thank you so much for being with us today.
00:23:33.802 --> 00:23:34.936
Thank you so much for being with us today. we appreciate you listening,
00:23:35.003 --> 00:23:36.605
For being with us today. we appreciate you listening, and i hope you put some
00:23:36.671 --> 00:23:37.806
We appreciate you listening, and i hope you put some of these principles
00:23:37.873 --> 00:23:38.473
And i hope you put some of these principles to work in your life.
00:23:38.540 --> 00:23:39.608
Of these principles to work in your life. >> [audience applauding]
00:23:39.674 --> 00:23:41.977
>> announcer: struggling with
00:23:44.112 --> 00:23:44.713
>> announcer: struggling with debt or the stress of trying
00:23:44.779 --> 00:23:45.947
Debt or the stress of trying to make ends meet?
00:23:46.014 --> 00:23:47.449
To make ends meet? the bible offers clear wisdom
00:23:47.516 --> 00:23:49.251
The bible offers clear wisdom to guide you toward peace
00:23:49.317 --> 00:23:50.519
To guide you toward peace and joy in finances.
00:23:50.585 --> 00:23:52.153
And joy in finances. but where do you start?
00:23:52.220 --> 00:23:53.722
But where do you start? in “financial management
00:23:53.788 --> 00:23:54.789
In “financial management god's way,” joyce shares
00:23:54.856 --> 00:23:56.258
God's way,” joyce shares practical biblical steps
00:23:56.324 --> 00:23:57.692
Practical biblical steps to help you overcome
00:23:57.759 --> 00:23:58.627
To help you overcome financial anxiety and find
00:23:58.693 --> 00:23:59.995
Financial anxiety and find lasting freedom.
00:24:00.061 --> 00:24:01.096
>> joyce: god has taught
00:24:01.997 --> 00:24:02.697
Me so much over the
00:24:02.764 --> 00:24:03.598
Years about finances.
00:24:03.665 --> 00:24:04.733
In the early years
00:24:04.799 --> 00:24:06.001
Of our marriage, dave
00:24:06.067 --> 00:24:07.135
And i had to trust
00:24:07.202 --> 00:24:07.969
God for the very
00:24:08.036 --> 00:24:08.737
Basics like clothes
00:24:08.803 --> 00:24:09.971
And groceries.
00:24:10.038 --> 00:24:11.373
We learned how to live
00:24:11.439 --> 00:24:12.340
By faith for our
00:24:12.407 --> 00:24:13.208
Everyday needs.
00:24:13.275 --> 00:24:14.643
And while that's very
00:24:14.709 --> 00:24:15.310
Important that we
00:24:15.377 --> 00:24:16.711
Learn how to put our
00:24:16.778 --> 00:24:17.612
Trust in god, i believe
00:24:17.679 --> 00:24:19.214
That god's word gives
00:24:19.281 --> 00:24:20.282
Us wisdom to be good
00:24:20.348 --> 00:24:21.716
Stewards of the
00:24:21.783 --> 00:24:22.350
Finances that
00:24:22.417 --> 00:24:23.418
We have been given.
00:24:23.485 --> 00:24:24.786
In this book, i want
00:24:24.853 --> 00:24:25.954
To give you a biblical
00:24:26.021 --> 00:24:27.055
Understanding about
00:24:27.122 --> 00:24:28.056
Finances and some
00:24:28.123 --> 00:24:29.758
Practical tips that
00:24:29.824 --> 00:24:30.859
You can apply right
00:24:30.926 --> 00:24:31.860
Now, to help you
00:24:31.927 --> 00:24:32.961
Achieve your goals.
00:24:33.028 --> 00:24:34.262
You can do this.
00:24:34.329 --> 00:24:35.430
>> announcer: learn how to trust
00:24:36.565 --> 00:24:37.766
>> announcer: learn how to trust god with your finances based
00:24:37.832 --> 00:24:38.767
God with your finances based on the promises in his word
00:24:38.833 --> 00:24:40.435
On the promises in his word with joyce's book, "financial
00:24:40.502 --> 00:24:42.270
With joyce's book, "financial management god's way."
00:24:42.337 --> 00:24:44.072
Management god's way." it's yours free upon request.
00:24:44.139 --> 00:24:46.074
It's yours free upon request. develop a balanced budget
00:24:46.141 --> 00:24:47.509
Develop a balanced budget and eliminate debt.
00:24:47.576 --> 00:24:49.010
And eliminate debt. avoid unexpected financial
00:24:49.077 --> 00:24:50.478
Avoid unexpected financial emergencies.
00:24:50.545 --> 00:24:51.546
Emergencies. make wise investments for your
00:24:51.613 --> 00:24:53.014
Make wise investments for your future and much more.
00:24:53.081 --> 00:24:54.683
Future and much more. to request your free copy of,
00:24:54.749 --> 00:24:56.318
To request your free copy of, "financial management
00:24:56.384 --> 00:24:57.485
"financial management god's way," call us at...
00:24:57.552 --> 00:25:01.556
God's way," call us at... or download a digital copy
00:25:01.623 --> 00:25:03.191
Or download a digital copy at joycemeyer.org,
00:25:03.258 --> 00:25:04.492
At joycemeyer.org, or through the joyce meyer app.
00:25:04.559 --> 00:25:06.061
>> joyce: you know,
00:25:06.995 --> 00:25:07.495
No one gets into
00:25:07.562 --> 00:25:08.663
Financial struggles
00:25:08.730 --> 00:25:09.664
Overnight.
00:25:09.731 --> 00:25:10.865
And likewise, it may
00:25:10.932 --> 00:25:11.566
Take time to feel
00:25:11.633 --> 00:25:12.767
Like you're making
00:25:12.834 --> 00:25:13.401
Progress forward.
00:25:13.468 --> 00:25:15.403
But i know you can
00:25:15.470 --> 00:25:16.404
Achieve your
00:25:16.471 --> 00:25:17.038
Financial goals
00:25:17.105 --> 00:25:17.973
If you obey god and
00:25:18.039 --> 00:25:19.474
Trust him to give
00:25:19.541 --> 00:25:20.375
You the grace
00:25:20.442 --> 00:25:21.376
To do it.
00:25:21.443 --> 00:25:22.577
He will help you get
00:25:22.644 --> 00:25:23.712
There step by step,
00:25:23.778 --> 00:25:25.146
One day at a time.
00:25:25.213 --> 00:25:27.115
I pray that god gives
00:25:27.182 --> 00:25:28.249
You a determination
00:25:28.316 --> 00:25:29.684
To break free from
00:25:29.751 --> 00:25:31.086
Financial burdens.
00:25:31.152 --> 00:25:32.687
The journey may not
00:25:32.754 --> 00:25:33.455
Be easy, but i promise
00:25:33.521 --> 00:25:35.557
It will be worth it.
00:25:35.624 --> 00:25:36.691
Let me help you
00:25:36.758 --> 00:25:37.525
Take the first step.
00:25:37.592 --> 00:25:38.793
>> announcer: god wants
00:25:40.295 --> 00:25:40.895
>> announcer: god wants to give you the wisdom
00:25:40.962 --> 00:25:41.663
To give you the wisdom to thrive financially.
00:25:41.730 --> 00:25:43.732
To thrive financially. you can strengthen your
00:25:43.798 --> 00:25:44.666
You can strengthen your confidence and determination
00:25:44.733 --> 00:25:46.267
Confidence and determination to work toward financial
00:25:46.334 --> 00:25:47.335
To work toward financial freedom, and trust god
00:25:47.402 --> 00:25:48.937
Freedom, and trust god every step of the way.
00:25:49.004 --> 00:25:50.905
Every step of the way. contact us today and request
00:25:50.972 --> 00:25:52.641
Contact us today and request joyce's free book, "financial
00:25:52.707 --> 00:25:54.309
Joyce's free book, "financial management god's way."
00:25:54.376 --> 00:25:55.977
Management god's way." call us at...
00:25:56.044 --> 00:25:59.381
Call us at... or download a digital copy
00:25:59.447 --> 00:26:00.982
Or download a digital copy at joycemeyer.org,
00:26:01.049 --> 00:26:02.350
At joycemeyer.org, or through the joyce meyer app.
00:26:02.417 --> 00:26:04.085
>> [music]
00:26:07.522 --> 00:26:15.930
>> joyce: you cannot keep
00:26:17.432 --> 00:26:18.133
>> joyce: you cannot keep thinking the wrong thing
00:26:18.199 --> 00:26:19.601
Thinking the wrong thing and do the right thing.
00:26:19.668 --> 00:26:21.002
And do the right thing. >> ginger: it's coming,
00:26:21.069 --> 00:26:21.936
>> ginger: it's coming, joyce's first conference
00:26:22.003 --> 00:26:23.304
Joyce's first conference focused entirely on her
00:26:23.371 --> 00:26:24.973
Focused entirely on her best-selling book,
00:26:25.040 --> 00:26:26.107
Best-selling book, “battlefield of the mind.”
00:26:26.174 --> 00:26:28.043
“battlefield of the mind.” there's so much more to explore.
00:26:28.109 --> 00:26:30.045
There's so much more to explore. go deeper, fight smarter, and
00:26:30.111 --> 00:26:32.781
Go deeper, fight smarter, and overcome negative thoughts.
00:26:32.847 --> 00:26:34.883
Overcome negative thoughts. join joyce and her guests for
00:26:34.949 --> 00:26:36.651
Join joyce and her guests for three days to renew your mind.
00:26:36.718 --> 00:26:39.354
Three days to renew your mind. freedom and peace are possible.
00:26:39.421 --> 00:26:41.756
Freedom and peace are possible. the battlefield of the mind
00:26:41.823 --> 00:26:42.924
The battlefield of the mind conference with joyce meyer,
00:26:42.991 --> 00:26:44.959
Conference with joyce meyer, bringing her experience
00:26:45.026 --> 00:26:46.461
Bringing her experience and insight into god's word.
00:26:46.528 --> 00:26:48.963
And insight into god's word. john maxwell, influencing
00:26:49.030 --> 00:26:50.832
John maxwell, influencing leaders and thinkers
00:26:50.899 --> 00:26:51.933
Leaders and thinkers all over the world.
00:26:52.000 --> 00:26:53.702
All over the world. pastor robert madu,
00:26:53.768 --> 00:26:54.769
Pastor robert madu, with a passion for making
00:26:54.836 --> 00:26:56.571
With a passion for making everyone aware of god's
00:26:56.638 --> 00:26:58.306
Everyone aware of god's great potential for them.
00:26:58.373 --> 00:26:59.908
Great potential for them. and worship with
00:26:59.974 --> 00:27:00.942
And worship with bryan and katie torwalt.
00:27:01.009 --> 00:27:02.677
Bryan and katie torwalt.
00:27:01.009 --> 00:27:03.178
It all happens april 24th-26th
00:27:03.244 --> 00:27:06.114
It all happens april 24th-26th in charleston, south carolina.
00:27:06.181 --> 00:27:07.849
In charleston, south carolina.
00:27:06.181 --> 00:27:08.483
Tickets will sell quickly,
00:27:08.550 --> 00:27:09.751
Tickets will sell quickly,
00:27:08.550 --> 00:27:09.884
So don't miss out.
00:27:09.951 --> 00:27:11.052
So don't miss out.
00:27:09.951 --> 00:27:11.186
Register now.
00:27:11.252 --> 00:27:12.721
>> announcer: we hope you
00:27:14.422 --> 00:27:15.156
>> announcer: we hope you enjoyed today's program.
00:27:15.223 --> 00:27:16.891
Enjoyed today's program.
00:27:15.223 --> 00:27:17.425
We are so grateful
00:27:17.492 --> 00:27:18.626
We are so grateful to our joyce meyer
00:27:18.693 --> 00:27:19.694
To our joyce meyer ministries partners
00:27:19.761 --> 00:27:20.762
Ministries partners who make this
00:27:20.829 --> 00:27:21.563
Who make this and all we do possible,
00:27:21.629 --> 00:27:23.031
And all we do possible, including sharing
00:27:23.098 --> 00:27:24.032
Including sharing god's word
00:27:24.099 --> 00:27:25.033
God's word and offering help
00:27:25.100 --> 00:27:26.267
And offering help to people in need
00:27:26.334 --> 00:27:27.535
To people in need all over the world.
00:27:27.602 --> 00:27:28.636

Joyce Meyer - Becoming Debt-Free

January 24, 2025 | S25:E18

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