Joyce Meyer - Becoming Debt Free

January 19, 2026 | 27:29

Bible teacher Joyce Meyer shares timeless scriptural principles to show us how we can embrace the best God has for us each and every day of our lives.

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

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Joyce Meyer: Enjoying Everyday Life | Joyce Meyer - Becoming Debt Free | January 19, 2026

>> 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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And learning how to manage our money better. we've got 12 of the guys from
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Our money better. 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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It does to people's lives
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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 2,000 bible verses
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You know, there are 2,000 bible verses that talk about money, 2,000.
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There are 2,000 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. that's pretty amazing.
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Put together. that's pretty amazing. it is really a very major
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That's 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? >> [audience laughing]
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In the society we live in today? >> [audience laughing] >> joyce: it's very difficult
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>> [audience laughing] >> joyce: it's very difficult to get people who
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>> joyce: it's very difficult to get people who live in a western
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To get people who live in a western culture to be content,
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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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And that's becoming and living debt-free. you can never do it if you
00:07:16.359 --> 00:07:17.326
And living debt-free. you can never do it if you don't believe it's possible.
00:07:17.393 --> 00:07:19.862
And so, all things are
00:07:20.963 --> 00:07:24.000
And so, all things are possible with god.
00:07:24.066 --> 00:07:27.737
And so, all things are possible with god. you can live debt-free.
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Debt is very oppressive,
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Debt is very oppressive, it's a very heavy burden.
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"jesus looked at them and said,
00:07:37.313 --> 00:07:38.381
"jesus looked at them and said, "with man this is impossible,
00:07:38.447 --> 00:07:40.016
"jesus looked at them and said, "with man this is impossible, but with god all things
00:07:40.082 --> 00:07:41.551
"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
00:07:43.119 --> 00:07:46.923
For the year,
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For the year, i wanna really stir myself
00:07:48.457 --> 00:07:49.725
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
00:07:50.793 --> 00:07:51.794
Up in faith again, and just believe there's nothing that god can't do.
00:07:51.861 --> 00:07:54.664
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." >> [audience responding]
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"i can live debt-free." >> [audience responding] >> joyce: boy, doesn't
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>> [audience responding] >> joyce: boy, doesn't that sound good?
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>> joyce: boy, doesn't that sound good? a person can never
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That sound good? a person can never be debt-free if they're addicted
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A person can never be debt-free if they're addicted to instant gratification.
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Be debt-free if they're addicted to instant gratification. and boy, we have a big problem
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To instant gratification. and boy, we have a big problem with that today, don't we?
00:08:11.414 --> 00:08:13.215
And boy, we have a big problem with that today, don't we? we want it,
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With that today, don't we? we want it, we want it, right now.
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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
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But if you ever wanna be debt-free, you have to learn how to be patient and save
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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.
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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,
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Being debt-free requires saving money for things you need, and i drew a big circle around
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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
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"you need," because you see, we think we need a lot of things that we really don't need,
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We think we need a lot of things that we really don't need, or we can even think that
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That we really don't need, or we can even think that we need something that we've
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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"? >> [audience laughing]
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And think, "oh, i need those"? >> [audience laughing] >> joyce: i used to buy earrings
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>> [audience laughing] >> joyce: i used to buy earrings because they were pretty,
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>> joyce: 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.
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And then i didn't have anything to wear 'em with. and a girl that i buy a lot
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Anything to wear 'em with. and a girl that i buy a lot of my clothes from,
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And a girl that i buy a lot of my clothes from, she'll have some pretty jewelry
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Of my clothes from, she'll have some pretty jewelry in her shop, and i'll say,
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She'll have some pretty jewelry in her shop, and i'll say, "ew, boy, those are pretty,
00:09:13.175 --> 00:09:14.577
In her shop, and i'll say, "ew, boy, those are pretty, i want those!"
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"ew, boy, those are pretty, i want those!" and she'll say, "now,
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I want those!" and she'll say, "now, wait a minute, joyce, what are
00:09:15.978 --> 00:09:16.779
And she'll say, "now, wait a minute, joyce, what are you gonna do with 'em?"
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Wait a minute, joyce, what are you gonna do with 'em?" and i wonder how many things
00:09:19.715 --> 00:09:20.716
You gonna do with 'em?" and i wonder how many things you have in your home,
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And i wonder how many things you have in your home, in closets and drawers,
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You have in your home, in closets and drawers, that you've paid for and have
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In closets and drawers, that you've paid for and have never used one time,
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That you've paid for and have never used one time, and couldn't even find
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Never used one time, and couldn't even find if you needed it.
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And couldn't even find if you needed it. you have to stop spending
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If you needed it. you have to stop spending everything you have
00:09:37.299 --> 00:09:38.200
You have to stop spending everything you have and then borrowing more,
00:09:38.267 --> 00:09:40.670
Everything you have and then borrowing more, to get all these things
00:09:40.736 --> 00:09:41.771
And then borrowing more, to get all these things that you want,
00:09:41.837 --> 00:09:42.505
To get all these things that you want, but really don't need.
00:09:42.571 --> 00:09:45.875
That you want, but really don't need. now credit cards are great
00:09:45.941 --> 00:09:47.043
But really don't need. now credit cards are great if you can manage 'em,
00:09:47.109 --> 00:09:49.178
Now credit cards are great if you can manage 'em, but to be honest,
00:09:49.245 --> 00:09:51.113
If you can manage 'em, but to be honest, the only way that you
00:09:51.180 --> 00:09:52.748
But to be honest, the only way that you should use credit cards,
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The only way that you should use credit cards, and it may take you a while
00:09:54.617 --> 00:09:56.052
Should use credit cards, and it may take you a while to get to this point;
00:09:56.118 --> 00:09:57.987
And it may take you a while to get to this point; is to not put anything
00:09:58.054 --> 00:09:59.155
To get to this point; is to not put anything on them that you cannot pay
00:09:59.221 --> 00:10:00.623
Is to not put anything on them that you cannot pay off at the end of the month.
00:10:00.690 --> 00:10:03.993
On them that you cannot pay off at the end of the month. use them for convenience only,
00:10:04.060 --> 00:10:06.629
Off at the end of the month. use them for convenience only, because what most people
00:10:06.696 --> 00:10:08.030
Use them for convenience only, because what most people do is they run up this big
00:10:08.097 --> 00:10:09.498
Because what most people do is they run up this big credit card debt, and then they
00:10:09.565 --> 00:10:11.667
Do is they run up this big credit card debt, and then they make the minimum payment.
00:10:11.734 --> 00:10:15.204
Credit card debt, and then they make the minimum payment. you know, people--
00:10:15.271 --> 00:10:16.772
Make the minimum payment. you know, people-- you have to be an investor
00:10:16.839 --> 00:10:18.207
You know, people-- you have to be an investor in life, and not a gambler.
00:10:18.274 --> 00:10:21.010
You have to be an investor in life, and not a gambler. you can't just do the wrong
00:10:21.077 --> 00:10:22.278
In life, and not a gambler. you can't just do the wrong thing and gamble that you're
00:10:22.344 --> 00:10:23.512
You can't just do the wrong thing and gamble that you're gonna get a right result,
00:10:23.579 --> 00:10:26.248
Thing and gamble that you're gonna get a right result, because you won't.
00:10:26.315 --> 00:10:27.850
Gonna get a right result, because you won't. i just wrote a book on proverbs,
00:10:27.917 --> 00:10:29.585
Because you won't. i just wrote a book on proverbs, and boy i'll tell you when
00:10:29.652 --> 00:10:30.986
I just wrote a book on proverbs, and boy i'll tell you when you study proverbs,
00:10:31.053 --> 00:10:32.121
And boy i'll tell you when you study proverbs, i mean, you just come
00:10:32.188 --> 00:10:33.989
You study proverbs, i mean, you just come out with one conclusion,
00:10:34.056 --> 00:10:36.058
I mean, you just come out with one conclusion, the wise man is gonna prosper,
00:10:36.125 --> 00:10:37.693
Out with one conclusion, the wise man is gonna prosper, and the fool is gonna have
00:10:37.760 --> 00:10:39.195
The wise man is gonna prosper, and the fool is gonna have nothing but a mess in their
00:10:39.261 --> 00:10:40.429
And the fool is gonna have nothing but a mess in their life, in every single area
00:10:40.496 --> 00:10:41.530
Nothing but a mess in their life, in every single area of their life, and to me--
00:10:41.597 --> 00:10:43.699
Life, in every single area of their life, and to me-- this is my own definition,
00:10:43.766 --> 00:10:44.967
Of their life, and to me-- this is my own definition, but i say that, wisdom
00:10:45.034 --> 00:10:46.569
This is my own definition, but i say that, wisdom is doing now what you'll
00:10:46.635 --> 00:10:47.770
But i say that, wisdom is doing now what you'll be happy with later on.
00:10:47.837 --> 00:10:51.607
And foolishness is:
00:10:52.641 --> 00:10:55.511
And foolishness is: having this need for instant
00:10:55.578 --> 00:10:58.247
And foolishness is: having this need for instant gratification, and doing things
00:10:58.314 --> 00:11:01.417
Having this need for instant gratification, and doing things that really just are not wisdom.
00:11:01.484 --> 00:11:07.223
Gratification, and doing things that really just are not wisdom. so, you cannot be addicted
00:11:07.289 --> 00:11:08.924
To instant gratification.
00:11:08.991 --> 00:11:10.359
To instant gratification. when we borrow money,
00:11:10.426 --> 00:11:11.460
To instant gratification. when we borrow money, we're spending tomorrow's
00:11:11.527 --> 00:11:12.628
When we borrow money, we're spending tomorrow's prosperity, today.
00:11:12.695 --> 00:11:16.365
We're spending tomorrow's prosperity, today. so, think about that.
00:11:16.432 --> 00:11:17.700
Prosperity, today. so, think about that. and then when tomorrow comes,
00:11:17.767 --> 00:11:21.003
So, think about that. and then when tomorrow comes, we have to borrow to pay what
00:11:21.070 --> 00:11:23.139
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
00:11:27.042 --> 00:11:28.711
We owe, and so, it just keeps an unhealthy cycle going in our lives, because we're always,
00:11:28.778 --> 00:11:31.413
An unhealthy cycle going in our lives, because we're always, have already spent what we're
00:11:31.480 --> 00:11:33.516
Lives, because we're always, have already spent what we're working for, so then,
00:11:33.582 --> 00:11:35.718
Have already spent what we're working for, so then, when it comes time to pay
00:11:35.785 --> 00:11:37.286
Working for, so then, when it comes time to pay the bills that you have to pay,
00:11:37.353 --> 00:11:38.988
When it comes time to pay the bills that you have to pay, and buy the things you have
00:11:39.054 --> 00:11:39.955
The bills that you have to pay, and buy the things you have to have, then you have no choice
00:11:40.022 --> 00:11:41.457
And buy the things you have to have, then you have no choice but to borrow more money because
00:11:41.524 --> 00:11:43.559
To have, then you have no choice but to borrow more money because you gotta use the money you have
00:11:43.626 --> 00:11:44.693
But to borrow more money because you gotta use the money you have now to pay for what you bought
00:11:44.760 --> 00:11:45.895
You gotta use the money you have now to pay for what you bought way back there somewhere.
00:11:45.961 --> 00:11:48.931
Now to pay for what you bought way back there somewhere. and once again, so much of this
00:11:48.998 --> 00:11:51.967
Way back there somewhere. and once again, so much of this is due to instant gratification,
00:11:52.034 --> 00:11:54.970
And once again, so much of this is due to instant gratification, and not thinking,
00:11:55.037 --> 00:11:56.438
Is due to instant gratification, and not thinking, really thinking about,
00:11:56.505 --> 00:11:57.940
And not thinking, really thinking about, "do i need this?"
00:11:58.007 --> 00:11:59.742
Really thinking about, "do i need this?" now, there's nothing wrong
00:11:59.809 --> 00:12:01.110
"do i need this?" now, there's nothing wrong with buying some things that
00:12:01.177 --> 00:12:01.977
Now, there's nothing wrong with buying some things that you want, but i will say this,
00:12:02.044 --> 00:12:04.346
With buying some things that you want, but i will say this, if you're already head over
00:12:04.413 --> 00:12:05.447
You want, but i will say this, if you're already head over heels in debt, you don't need
00:12:05.514 --> 00:12:06.982
If you're already head over heels in debt, you don't need to be buying a lot of what
00:12:07.049 --> 00:12:08.350
Heels in debt, you don't need to be buying a lot of what you want, you need to really
00:12:08.417 --> 00:12:11.287
To be buying a lot of what you want, you need to really just be buying what you need.
00:12:11.353 --> 00:12:13.622
You want, you need to really just be buying what you need. it's kinda like if--if you live
00:12:13.689 --> 00:12:15.424
Just be buying what you need. it's kinda like if--if you live an unbalanced life over here,
00:12:15.491 --> 00:12:18.194
It's kinda like if--if you live an unbalanced life over here, you've spent money that you
00:12:18.260 --> 00:12:19.562
An unbalanced life over here, you've spent money that you don't have, then to overcome
00:12:19.628 --> 00:12:23.132
You've spent money that you don't have, then to overcome this over on this side, you're
00:12:23.199 --> 00:12:24.834
Don't have, then to overcome this over on this side, you're gonna have to do without some
00:12:24.900 --> 00:12:26.168
This over on this side, you're gonna have to do without some things for a while, in order to
00:12:26.235 --> 00:12:29.305
Gonna have to do without some things for a while, in order to get your life back in balance.
00:12:29.371 --> 00:12:31.941
Things for a while, in order to get your life back in balance. things are not nearly as
00:12:32.007 --> 00:12:33.375
Get your life back in balance. things are not nearly as important as we think they are.
00:12:33.442 --> 00:12:35.911
Dave ramsey presents a brilliant
00:12:38.714 --> 00:12:40.683
Dave ramsey presents a brilliant plan to getting out of debt,
00:12:40.749 --> 00:12:42.718
Dave ramsey presents a brilliant plan to getting out of debt, and i hope i say it right,
00:12:42.785 --> 00:12:45.321
Plan to getting out of debt, and i hope i say it right, but just remember that name,
00:12:45.387 --> 00:12:47.556
Dave ramsey, he's probably
00:12:47.623 --> 00:12:49.592
Dave ramsey, he's probably the premier teacher on finances
00:12:49.658 --> 00:12:50.893
Dave ramsey, he's probably the premier teacher on finances today, lots and lots of wisdom,
00:12:50.960 --> 00:12:54.230
The premier teacher on finances today, lots and lots of wisdom, he's got a tv show,
00:12:54.296 --> 00:12:55.030
Today, lots and lots of wisdom, he's got a tv show, i think a radio show,
00:12:55.097 --> 00:12:56.131
He's got a tv show, i think a radio show, and plenty of books.
00:12:56.198 --> 00:12:58.067
I think a radio show, and plenty of books. and he says that what you
00:12:58.133 --> 00:13:00.803
And plenty of books. and he says that what you do is, you, if you're in debt,
00:13:00.870 --> 00:13:03.806
And he says that what you do is, you, if you're in debt, you pay off the smallest debt
00:13:03.873 --> 00:13:06.342
Do is, you, if you're in debt, you pay off the smallest debt first because then, you feel
00:13:06.408 --> 00:13:07.810
You pay off the smallest debt first because then, you feel good that you paid off a debt.
00:13:07.877 --> 00:13:09.845
First because then, you feel good that you paid off a debt. but then, let's just say
00:13:09.912 --> 00:13:11.113
Good that you paid off a debt. but then, let's just say the payment on that debt
00:13:11.180 --> 00:13:11.981
But then, let's just say the payment on that debt was $50 a month,
00:13:12.047 --> 00:13:13.182
The payment on that debt was $50 a month, but then you don't say,
00:13:13.249 --> 00:13:14.283
Was $50 a month, but then you don't say, "oh boy, i've got $50 a month
00:13:14.350 --> 00:13:15.484
But then you don't say, "oh boy, i've got $50 a month more now to spend."
00:13:15.551 --> 00:13:17.086
What you do is, you take
00:13:17.720 --> 00:13:18.787
What you do is, you take that $50 and you add
00:13:18.854 --> 00:13:20.656
What you do is, you take that $50 and you add it to the payment on the next
00:13:20.723 --> 00:13:23.058
That $50 and you add it to the payment on the next smallest debt, so say,
00:13:23.125 --> 00:13:25.828
It to the payment on the next smallest debt, so say, you have another debt,
00:13:25.895 --> 00:13:27.429
Smallest debt, so say, you have another debt, that the payments $45,
00:13:27.496 --> 00:13:28.764
You have another debt, that the payments $45, well now, instead of paying $45,
00:13:28.831 --> 00:13:30.332
That the payments $45, well now, instead of paying $45, you pay $95 a month on that.
00:13:30.399 --> 00:13:34.036
Well now, instead of paying $45, you pay $95 a month on that. then when those two are
00:13:34.103 --> 00:13:34.770
You pay $95 a month on that. then when those two are paid off, you take the money
00:13:34.837 --> 00:13:36.538
Then when those two are paid off, you take the money from those two and you
00:13:36.605 --> 00:13:37.740
Paid off, you take the money from those two and you add it to the next one.
00:13:37.806 --> 00:13:39.875
From those two and you add it to the next one. and it may take two years,
00:13:39.942 --> 00:13:42.544
Add it to the next one. and it may take two years, it may take 5 years,
00:13:42.611 --> 00:13:45.381
And it may take two years, it may take 5 years, but let me ask you something,
00:13:45.447 --> 00:13:46.949
It may take 5 years, but let me ask you something, is doing that for 2, 3, 4, 5,
00:13:47.016 --> 00:13:50.019
But let me ask you something, is doing that for 2, 3, 4, 5, years better than being
00:13:50.085 --> 00:13:51.587
Is doing that for 2, 3, 4, 5, years better than being in bondage all of your life
00:13:51.654 --> 00:13:53.722
Years better than being in bondage all of your life and continuing to keep
00:13:53.789 --> 00:13:54.990
The same ridiculous cycle going,
00:13:55.057 --> 00:13:57.726
The same ridiculous cycle going, all the time?
00:13:57.793 --> 00:13:59.261
The same ridiculous cycle going, all the time? everybody say,
00:13:59.328 --> 00:13:59.929
All the time? everybody say, "i can live debt-free."
00:13:59.995 --> 00:14:01.297
Everybody say, "i can live debt-free." >> [audience responding]
00:14:01.363 --> 00:14:03.232
"i can live debt-free." >> [audience responding] >> joyce: now, let's just
00:14:03.299 --> 00:14:05.000
>> [audience responding] >> joyce: now, let's just throw the word suffer
00:14:05.067 --> 00:14:06.001
>> joyce: now, let's just throw the word suffer out for a minute.
00:14:06.068 --> 00:14:08.037
Throw the word suffer out for a minute. not a word we like,
00:14:08.103 --> 00:14:09.872
Out for a minute. not a word we like, but if you're going to get out
00:14:09.939 --> 00:14:12.775
Not a word we like, but if you're going to get out of debt and be debt-free,
00:14:12.841 --> 00:14:14.276
But if you're going to get out of debt and be debt-free, you will have to let
00:14:14.343 --> 00:14:15.844
Of debt and be debt-free, you will have to let your flesh suffer, because
00:14:15.911 --> 00:14:20.015
You will have to let your flesh suffer, because it wants what it wants,
00:14:20.082 --> 00:14:22.384
Your flesh suffer, because it wants what it wants, and it pouts and feels
00:14:22.451 --> 00:14:25.688
It wants what it wants, and it pouts and feels sorry for itself when
00:14:25.754 --> 00:14:28.524
And it pouts and feels sorry for itself when it doesn't get it.
00:14:28.590 --> 00:14:29.458
Sorry for itself when it doesn't get it. but we are to walk according
00:14:29.525 --> 00:14:30.859
It doesn't get it. but we are to walk according to the spirit, not according
00:14:30.926 --> 00:14:33.963
But we are to walk according to the spirit, not according to the flesh.
00:14:34.029 --> 00:14:35.664
To the spirit, not according to the flesh. to get out of debt, you're
00:14:35.731 --> 00:14:37.066
To the flesh. to get out of debt, you're gonna have to be patient,
00:14:37.132 --> 00:14:38.634
To get out of debt, you're gonna have to be patient, persistent and learn
00:14:38.701 --> 00:14:40.836
Gonna have to be patient, persistent and learn the difference between what
00:14:40.903 --> 00:14:41.704
Persistent and learn the difference between what you need and what you want.
00:14:41.770 --> 00:14:44.006
The difference between what you need and what you want. before buying anything, ask
00:14:44.073 --> 00:14:45.975
You need and what you want. before buying anything, ask yourself if you can afford it,
00:14:46.041 --> 00:14:49.278
Before buying anything, ask yourself if you can afford it, without going in debt to get it,
00:14:49.345 --> 00:14:51.613
Yourself if you can afford it, without going in debt to get it, and if what you're going
00:14:51.680 --> 00:14:55.184
Without going in debt to get it, and if what you're going to spend on it, is truly
00:14:55.250 --> 00:14:56.919
And if what you're going to spend on it, is truly worth it to you.
00:14:56.986 --> 00:14:59.922
To spend on it, is truly worth it to you. i heard my daughter say
00:14:59.989 --> 00:15:01.023
Worth it to you. i heard my daughter say something that she liked
00:15:01.090 --> 00:15:02.358
I heard my daughter say something that she liked something that i have, and so,
00:15:02.424 --> 00:15:03.726
Something that she liked something that i have, and so, i thought about it, and i told
00:15:03.792 --> 00:15:06.528
Something that i have, and so, i thought about it, and i told her, "i'd like to buy you one."
00:15:06.595 --> 00:15:09.631
I thought about it, and i told her, "i'd like to buy you one." and she said, "oh, man,
00:15:09.698 --> 00:15:11.600
Her, "i'd like to buy you one." and she said, "oh, man, that'd be great!"
00:15:11.667 --> 00:15:12.935
And she said, "oh, man, that'd be great!" and she called me the next day,
00:15:13.002 --> 00:15:14.370
That'd be great!" and she called me the next day, and she said, "you know what?
00:15:14.436 --> 00:15:15.304
And she called me the next day, and she said, "you know what? i've decided not to let
00:15:15.371 --> 00:15:16.071
And she said, "you know what? i've decided not to let you buy me that."
00:15:16.138 --> 00:15:17.339
I've decided not to let you buy me that." and i said, "well why not?"
00:15:17.406 --> 00:15:18.340
You buy me that." and i said, "well why not?" i mean, who wouldn't want
00:15:18.407 --> 00:15:19.708
And i said, "well why not?" i mean, who wouldn't want a free gift?
00:15:19.775 --> 00:15:20.676
I mean, who wouldn't want a free gift? and she said, "you know what?
00:15:20.743 --> 00:15:23.746
A free gift? and she said, "you know what? i thought it over, and she said,
00:15:23.812 --> 00:15:25.581
And she said, "you know what? i thought it over, and she said, "yeah, i would like it but,"
00:15:25.647 --> 00:15:27.216
I thought it over, and she said, "yeah, i would like it but," she said, "it's not worth
00:15:27.282 --> 00:15:28.784
"yeah, i would like it but," she said, "it's not worth it to me, the amount of money
00:15:28.851 --> 00:15:30.552
She said, "it's not worth it to me, the amount of money that it costs," and she said,
00:15:30.619 --> 00:15:32.821
It to me, the amount of money that it costs," and she said, "i want to use your money,
00:15:32.888 --> 00:15:35.791
That it costs," and she said, "i want to use your money, the same way i would use mine."
00:15:35.858 --> 00:15:39.395
"i want to use your money, the same way i would use mine." now, that's a smart kid.
00:15:39.461 --> 00:15:42.264
And so, i wanna say something
00:15:42.631 --> 00:15:44.900
And so, i wanna say something and i want you to remember this,
00:15:44.967 --> 00:15:45.934
And so, i wanna say something and i want you to remember this, you can't just expect money,
00:15:46.001 --> 00:15:46.769
And i want you to remember this, you can't just expect money, you have to respect money.
00:15:46.835 --> 00:15:51.573
You can't just expect money, you have to respect money. and i think that's worth
00:15:51.640 --> 00:15:53.142
You have to respect money. and i think that's worth writing down and keeping.
00:15:53.208 --> 00:15:54.910
And i think that's worth writing down and keeping. you can't just expect money,
00:15:54.977 --> 00:15:57.179
Writing down and keeping. you can't just expect money, you have to respect money,
00:15:57.246 --> 00:15:59.281
You can't just expect money, you have to respect money, and respecting money means
00:15:59.348 --> 00:16:02.918
That you don't just use
00:16:02.985 --> 00:16:03.952
That you don't just use it frivolously.
00:16:04.019 --> 00:16:05.888
That you don't just use it frivolously. you know, if you're gonna
00:16:05.954 --> 00:16:07.256
It frivolously. you know, if you're gonna spend $20, i don't think
00:16:07.322 --> 00:16:10.125
You know, if you're gonna spend $20, i don't think you have to have a prayer
00:16:10.192 --> 00:16:12.161
Spend $20, i don't think you have to have a prayer meeting about it,
00:16:12.227 --> 00:16:12.995
You have to have a prayer meeting about it, and wait four days,
00:16:13.062 --> 00:16:14.797
Meeting about it, and wait four days, i mean unless you don't
00:16:14.863 --> 00:16:15.597
And wait four days, i mean unless you don't have the $20, then you do.
00:16:15.664 --> 00:16:17.099
I mean unless you don't have the $20, then you do. but if you're gonna buy
00:16:17.166 --> 00:16:17.966
Have the $20, then you do. but if you're gonna buy anything, that's any sizable
00:16:18.033 --> 00:16:21.470
But if you're gonna buy anything, that's any sizable amount of money, i strongly
00:16:21.537 --> 00:16:23.439
Anything, that's any sizable amount of money, i strongly suggest that you sleep on it for
00:16:23.505 --> 00:16:26.375
Amount of money, i strongly suggest that you sleep on it for a night, because when you're
00:16:26.442 --> 00:16:28.644
Suggest that you sleep on it for a night, because when you're looking at something
00:16:28.710 --> 00:16:29.578
A night, because when you're looking at something in the shiny case,
00:16:29.645 --> 00:16:32.047
Looking at something in the shiny case, or the showroom floor--
00:16:32.114 --> 00:16:35.050
In the shiny case, or the showroom floor-- can i tell you something ladies?
00:16:35.117 --> 00:16:36.919
Or the showroom floor-- can i tell you something ladies? it won't look as good on you,
00:16:36.985 --> 00:16:38.020
Can i tell you something ladies? it won't look as good on you, as it did on the model.
00:16:38.087 --> 00:16:42.291
It won't look as good on you, as it did on the model. and it doesn't shine as much
00:16:42.357 --> 00:16:44.093
As it did on the model. and it doesn't shine as much when you get home,
00:16:44.159 --> 00:16:45.828
And it doesn't shine as much when you get home, as it did in the jewelry store.
00:16:45.894 --> 00:16:47.830
When you get home, as it did in the jewelry store. i bought a piece of jewelry
00:16:47.896 --> 00:16:48.831
As it did in the jewelry store. i bought a piece of jewelry one time at a jewelry store,
00:16:48.897 --> 00:16:51.633
I bought a piece of jewelry one time at a jewelry store, and i just thought
00:16:51.700 --> 00:16:53.035
One time at a jewelry store, and i just thought it was beautiful, and when
00:16:53.102 --> 00:16:54.036
And i just thought it was beautiful, and when i got it home, i thought,
00:16:54.103 --> 00:16:55.437
It was beautiful, and when i got it home, i thought, "this is not as pretty
00:16:55.504 --> 00:16:56.638
I got it home, i thought, "this is not as pretty as i thought it was."
00:16:56.705 --> 00:16:57.906
"this is not as pretty as i thought it was." and i couldn't figure that out,
00:16:57.973 --> 00:16:59.875
As i thought it was." and i couldn't figure that out, and then somebody said,
00:16:59.942 --> 00:17:01.243
And i couldn't figure that out, and then somebody said, "well don't you realize,
00:17:01.310 --> 00:17:02.211
And then somebody said, "well don't you realize, that they've got those lights
00:17:02.277 --> 00:17:03.245
"well don't you realize, that they've got those lights set just right, behind glass,
00:17:03.312 --> 00:17:07.449
That they've got those lights set just right, behind glass, makes it look a lot
00:17:07.516 --> 00:17:08.417
Set just right, behind glass, makes it look a lot different there,
00:17:08.484 --> 00:17:09.051
Makes it look a lot different there, than it's gonna look
00:17:09.118 --> 00:17:10.385
Different there, than it's gonna look when you get it home."
00:17:10.452 --> 00:17:11.687
Than it's gonna look when you get it home." and so, i took it back,
00:17:11.753 --> 00:17:14.189
When you get it home." and so, i took it back, got my money back.
00:17:14.256 --> 00:17:16.024
You know, that new car
00:17:16.658 --> 00:17:17.493
You know, that new car on the showroom floor,
00:17:17.559 --> 00:17:18.627
You know, that new car on the showroom floor, and don't think they don't place
00:17:18.694 --> 00:17:19.895
On the showroom floor, and don't think they don't place the lights just right too.
00:17:19.962 --> 00:17:22.397
And don't think they don't place the lights just right too. oh, my gosh, it looks so
00:17:22.464 --> 00:17:23.632
The lights just right too. oh, my gosh, it looks so good, and it's clean,
00:17:23.699 --> 00:17:25.167
Oh, my gosh, it looks so good, and it's clean, there's not a tiny little
00:17:25.234 --> 00:17:26.768
Good, and it's clean, there's not a tiny little bit of dirt on it, and you think
00:17:26.835 --> 00:17:29.104
There's not a tiny little bit of dirt on it, and you think you just have to have it,
00:17:29.171 --> 00:17:30.839
Bit of dirt on it, and you think you just have to have it, but what's it gonna
00:17:30.906 --> 00:17:31.507
You just have to have it, but what's it gonna look like in a year,
00:17:31.573 --> 00:17:32.908
But what's it gonna look like in a year, when you have it full of fast
00:17:32.975 --> 00:17:35.344
Look like in a year, when you have it full of fast food wrappers and haven't
00:17:35.410 --> 00:17:38.046
When you have it full of fast food wrappers and haven't washed it in a long time,
00:17:38.113 --> 00:17:40.182
Food wrappers and haven't washed it in a long time, and now you're stuck with
00:17:40.249 --> 00:17:42.518
Washed it in a long time, and now you're stuck with what--now if you buy a car,
00:17:42.584 --> 00:17:43.552
And now you're stuck with what--now if you buy a car, 7 years of payments, sometime?
00:17:43.619 --> 00:17:47.055
What--now if you buy a car, 7 years of payments, sometime? when you--if you're gonna
00:17:47.122 --> 00:17:48.223
Buy something on credit
00:17:48.290 --> 00:17:49.091
Buy something on credit you need to ask yourself,
00:17:49.158 --> 00:17:50.459
Buy something on credit you need to ask yourself, do i want to be paying
00:17:50.526 --> 00:17:51.627
You need to ask yourself, do i want to be paying for this for 7 years,
00:17:51.693 --> 00:17:54.696
Do i want to be paying for this for 7 years, or would i rather wait?
00:17:54.763 --> 00:17:57.132
For this for 7 years, or would i rather wait? money has a great temptation
00:17:57.199 --> 00:18:01.336
Or would i rather wait? money has a great temptation attached to it.
00:18:01.403 --> 00:18:03.472
Money has a great temptation attached to it. and greed, i think,
00:18:03.539 --> 00:18:07.676
Attached to it. and greed, i think, can get all of us,
00:18:07.743 --> 00:18:08.544
And greed, i think, can get all of us, unless we fight it,
00:18:08.610 --> 00:18:10.579
Can get all of us, unless we fight it, and the only way that i know
00:18:10.646 --> 00:18:11.914
Unless we fight it, and the only way that i know how to fight greed,
00:18:11.980 --> 00:18:12.814
And the only way that i know how to fight greed, is with generosity.
00:18:12.881 --> 00:18:15.484
How to fight greed, is with generosity. i think if you're
00:18:15.551 --> 00:18:16.752
Is with generosity. i think if you're a generous person,
00:18:16.818 --> 00:18:17.386
I think if you're a generous person, then greed cannot get you.
00:18:17.452 --> 00:18:21.356
A generous person, then greed cannot get you. so, don't just expect money,
00:18:21.423 --> 00:18:24.593
Then greed cannot get you. so, don't just expect money, but respect money.
00:18:24.660 --> 00:18:26.862
Luke 14:28 and 29, "suppose one
00:18:27.429 --> 00:18:30.966
Luke 14:28 and 29, "suppose one of you wants to build a tower.
00:18:31.033 --> 00:18:32.935
Luke 14:28 and 29, "suppose one of you wants to build a tower. won't you first sit down
00:18:33.001 --> 00:18:33.969
Of you wants to build a tower. won't you first sit down and estimate the cost to see
00:18:34.036 --> 00:18:35.204
Won't you first sit down and estimate the cost to see if you have enough money
00:18:35.270 --> 00:18:36.305
And estimate the cost to see if you have enough money to complete it?
00:18:36.371 --> 00:18:38.807
If you have enough money to complete it? but if you lay the foundation
00:18:38.874 --> 00:18:40.509
To complete it? but if you lay the foundation and are not able to finish it,
00:18:40.576 --> 00:18:42.411
But if you lay the foundation and are not able to finish it, everyone who sees it,
00:18:42.477 --> 00:18:44.746
And are not able to finish it, everyone who sees it, will ridicule you."
00:18:44.813 --> 00:18:46.448
Everyone who sees it, will ridicule you." i remember a subdivision that
00:18:46.515 --> 00:18:52.187
We drove by occasionally
00:18:52.254 --> 00:18:53.455
We drove by occasionally when we were in this certain
00:18:53.522 --> 00:18:54.823
We drove by occasionally when we were in this certain area on our way back and forth
00:18:54.890 --> 00:18:56.758
When we were in this certain area on our way back and forth to the airport and oh,
00:18:56.825 --> 00:18:58.460
Area on our way back and forth to the airport and oh, it had a great entrance,
00:18:58.527 --> 00:19:01.330
To the airport and oh, it had a great entrance, and there was partial
00:19:01.396 --> 00:19:06.034
It had a great entrance, and there was partial of two houses built in there,
00:19:06.101 --> 00:19:08.804
And there was partial of two houses built in there, and it just--nothing.
00:19:08.870 --> 00:19:13.308
Of two houses built in there, and it just--nothing. it never--
00:19:13.375 --> 00:19:16.445
And it just--nothing. it never-- "well, what happened?"
00:19:16.511 --> 00:19:17.312
It never-- "well, what happened?" we'd say.
00:19:17.379 --> 00:19:18.580
"well, what happened?" we'd say. well, obviously,
00:19:18.647 --> 00:19:20.749
We'd say. well, obviously, they committed to something
00:19:20.816 --> 00:19:21.850
Well, obviously, they committed to something that they didn't have enough
00:19:21.917 --> 00:19:23.085
They committed to something that they didn't have enough money to finish.
00:19:23.151 --> 00:19:25.254
That they didn't have enough money to finish. and so, it looked ridiculous
00:19:25.320 --> 00:19:28.757
Money to finish. and so, it looked ridiculous with this beautiful front
00:19:28.824 --> 00:19:29.591
And so, it looked ridiculous with this beautiful front and two half-built houses.
00:19:29.658 --> 00:19:32.561
With this beautiful front and two half-built houses. and to be honest,
00:19:32.628 --> 00:19:33.895
And two half-built houses. and to be honest, when we spend all this money
00:19:33.962 --> 00:19:35.731
And to be honest, when we spend all this money on credit, and then maybe end
00:19:35.797 --> 00:19:37.499
When we spend all this money on credit, and then maybe end up having to file bankruptcy,
00:19:37.566 --> 00:19:40.535
On credit, and then maybe end up having to file bankruptcy, you know, that's--
00:19:40.602 --> 00:19:41.737
Up having to file bankruptcy, you know, that's-- you know, i know some people
00:19:41.803 --> 00:19:43.438
You know, that's-- you know, i know some people have to do that, i'm not trying
00:19:43.505 --> 00:19:44.573
You know, i know some people have to do that, i'm not trying to make anybody feel bad,
00:19:44.640 --> 00:19:46.041
Have to do that, i'm not trying to make anybody feel bad, but that's something
00:19:46.108 --> 00:19:47.743
To make anybody feel bad, but that's something that we should not let
00:19:47.809 --> 00:19:48.744
But that's something that we should not let ourselves get in that kind
00:19:48.810 --> 00:19:49.911
That we should not let ourselves get in that kind of a mess to have to do,
00:19:49.978 --> 00:19:53.282
Ourselves get in that kind of a mess to have to do, because we always should
00:19:53.348 --> 00:19:54.449
Of a mess to have to do, because we always should be responsible to pay our bills.
00:19:54.516 --> 00:19:56.985
Because we always should be responsible to pay our bills. if you're gonna make a debt,
00:19:57.052 --> 00:19:58.920
Be responsible to pay our bills. if you're gonna make a debt, pay it, and pay it on time.
00:19:58.987 --> 00:20:01.790
Before you borrow money
00:20:03.759 --> 00:20:04.893
Before you borrow money for any item that's expensive,
00:20:04.960 --> 00:20:07.663
Before you borrow money for any item that's expensive, think about it.
00:20:07.729 --> 00:20:08.397
For any item that's expensive, think about it. i tell this story sometimes,
00:20:08.463 --> 00:20:09.665
Think about it. i tell this story sometimes, i'd saved up--i think
00:20:09.731 --> 00:20:11.933
I tell this story sometimes, i'd saved up--i think it was $300, i don't remember,
00:20:12.000 --> 00:20:14.002
I'd saved up--i think it was $300, i don't remember, if you hear me tell
00:20:14.069 --> 00:20:14.736
It was $300, i don't remember, if you hear me tell it on another teaching,
00:20:14.803 --> 00:20:15.671
If you hear me tell it on another teaching, it'll probably be $200.
00:20:15.737 --> 00:20:16.672
It on another teaching, it'll probably be $200. but today it feels like $300.
00:20:16.738 --> 00:20:19.041
It'll probably be $200. but today it feels like $300. >> [audience laughing]
00:20:19.107 --> 00:20:21.543
But today it feels like $300. >> [audience laughing] >> joyce: we were
00:20:21.610 --> 00:20:22.344
>> [audience laughing] >> joyce: we were at the mall shopping,
00:20:22.411 --> 00:20:22.944
>> joyce: we were at the mall shopping, and i needed a new watch,
00:20:23.011 --> 00:20:24.212
At the mall shopping, and i needed a new watch, and so we went
00:20:24.279 --> 00:20:24.880
And i needed a new watch, and so we went by this jewelry store,
00:20:24.946 --> 00:20:25.947
And so we went by this jewelry store, and oh, they had this watch,
00:20:26.014 --> 00:20:27.449
By this jewelry store, and oh, they had this watch, it had rhinestones on it,
00:20:27.516 --> 00:20:29.117
And oh, they had this watch, it had rhinestones on it, and i like things that sparkle.
00:20:29.184 --> 00:20:31.119
It had rhinestones on it, and i like things that sparkle. and you know,
00:20:31.186 --> 00:20:32.587
And i like things that sparkle. and you know, a good salesperson,
00:20:32.654 --> 00:20:34.723
And you know, a good salesperson, they know what they're doing.
00:20:34.790 --> 00:20:36.591
A good salesperson, they know what they're doing. and this was like,
00:20:36.658 --> 00:20:37.793
They know what they're doing. and this was like, "oh, this looks great on you,
00:20:37.859 --> 00:20:39.695
And this was like, "oh, this looks great on you, and now, you know,
00:20:39.761 --> 00:20:41.229
"oh, this looks great on you, and now, you know, this sale is only for today,
00:20:41.296 --> 00:20:43.598
And now, you know, this sale is only for today, and if you don't get it today,
00:20:43.665 --> 00:20:45.233
This sale is only for today, and if you don't get it today, then it's you know...blah,
00:20:45.300 --> 00:20:46.068
And if you don't get it today, then it's you know...blah, blah, blah."
00:20:46.134 --> 00:20:47.069
Then it's you know...blah, blah, blah." but i'd learned a little bit
00:20:47.135 --> 00:20:49.271
Blah, blah." but i'd learned a little bit by then and--
00:20:49.338 --> 00:20:50.972
But i'd learned a little bit by then and-- 'cause it was gonna
00:20:51.039 --> 00:20:51.973
By then and-- 'cause it was gonna take all my money,
00:20:52.040 --> 00:20:52.641
'cause it was gonna take all my money, and so i said,
00:20:52.708 --> 00:20:53.809
Take all my money, and so i said, "well, you know what?
00:20:53.875 --> 00:20:54.576
And so i said, "well, you know what? let me just--
00:20:54.643 --> 00:20:55.043
"well, you know what? let me just-- i just wanna take a little
00:20:55.110 --> 00:20:56.978
Let me just-- i just wanna take a little bit of time, and i'll come back
00:20:57.045 --> 00:20:58.914
I just wanna take a little bit of time, and i'll come back if i want it."
00:20:58.980 --> 00:20:59.948
Bit of time, and i'll come back if i want it." well, so, i'm walking down
00:21:00.015 --> 00:21:00.782
If i want it." well, so, i'm walking down the mall, and in the meantime,
00:21:00.849 --> 00:21:01.917
Well, so, i'm walking down the mall, and in the meantime, i look in a store and i see
00:21:01.983 --> 00:21:06.621
The mall, and in the meantime, i look in a store and i see a suit that i really liked.
00:21:06.688 --> 00:21:09.491
I look in a store and i see a suit that i really liked. well, i went in and tried that
00:21:09.558 --> 00:21:10.892
A suit that i really liked. well, i went in and tried that thing on and it looked
00:21:10.959 --> 00:21:13.028
Well, i went in and tried that thing on and it looked gorgeous on me,
00:21:13.095 --> 00:21:15.964
Thing on and it looked gorgeous on me, made me look like i had
00:21:16.031 --> 00:21:17.366
Gorgeous on me, made me look like i had a tiny waist,
00:21:17.432 --> 00:21:17.966
Made me look like i had a tiny waist, it was the right color,
00:21:18.033 --> 00:21:20.102
A tiny waist, it was the right color, but that also,
00:21:20.168 --> 00:21:21.069
It was the right color, but that also, would have taken all my money.
00:21:21.136 --> 00:21:23.004
But that also, would have taken all my money. so, i decide i'll take
00:21:23.071 --> 00:21:25.140
Would have taken all my money. so, i decide i'll take another walk.
00:21:25.207 --> 00:21:26.308
So, i decide i'll take another walk. and the thing that i realized
00:21:26.375 --> 00:21:28.710
Another walk. and the thing that i realized when i asked myself,
00:21:28.777 --> 00:21:31.580
And the thing that i realized when i asked myself, "joyce, what do you
00:21:31.646 --> 00:21:32.681
When i asked myself, "joyce, what do you really want?"
00:21:32.748 --> 00:21:35.217
"joyce, what do you really want?" the thing that i wanted
00:21:35.283 --> 00:21:37.486
Really want?" the thing that i wanted was to keep my money.
00:21:37.552 --> 00:21:38.653
The thing that i wanted was to keep my money. so, i had $20 for
00:21:38.720 --> 00:21:41.957
Was to keep my money. so, i had $20 for a pair of earrings,
00:21:42.023 --> 00:21:42.824
So, i had $20 for a pair of earrings, or enough money to take
00:21:42.891 --> 00:21:44.159
A pair of earrings, or enough money to take a friend out for coffee,
00:21:44.226 --> 00:21:45.427
Or enough money to take a friend out for coffee, i didn't want to have no money,
00:21:45.494 --> 00:21:47.429
A friend out for coffee, i didn't want to have no money, even as much as i wanted
00:21:47.496 --> 00:21:48.397
I didn't want to have no money, even as much as i wanted those two things.
00:21:48.463 --> 00:21:51.566
Even as much as i wanted those two things. and so, i left with neither
00:21:51.633 --> 00:21:52.868
Those two things. and so, i left with neither one of them.
00:21:52.934 --> 00:21:54.603
And so, i left with neither one of them. and you know what?
00:21:54.669 --> 00:21:55.170
One of them. and you know what? i survived.
00:21:55.237 --> 00:21:56.972
And you know what? i survived. i stayed happy.
00:21:57.038 --> 00:21:58.640
I survived. i stayed happy. so, we really need to start
00:21:58.707 --> 00:21:59.975
I stayed happy. so, we really need to start thinking about what we're doing,
00:22:00.041 --> 00:22:03.979
So, we really need to start thinking about what we're doing, and not just doing it.
00:22:04.045 --> 00:22:06.481
Thinking about what we're doing, and not just doing it. nothing looks as good when
00:22:06.548 --> 00:22:08.250
And not just doing it. nothing looks as good when you bring it home,
00:22:08.316 --> 00:22:09.818
Nothing looks as good when you bring it home, as it did in the store.
00:22:09.885 --> 00:22:11.319
You bring it home, as it did in the store. now, my husband has a very
00:22:11.386 --> 00:22:12.821
As it did in the store. now, my husband has a very simple equation that
00:22:12.888 --> 00:22:16.691
Now, my husband has a very simple equation that he has lived by.
00:22:16.758 --> 00:22:19.928
Simple equation that he has lived by. and what dave says is,
00:22:19.995 --> 00:22:22.130
He has lived by. and what dave says is, "out of everything you have,
00:22:22.197 --> 00:22:23.198
And what dave says is, "out of everything you have, give some, spend some,
00:22:23.265 --> 00:22:24.399
"out of everything you have, give some, spend some, save some."
00:22:24.466 --> 00:22:27.002
Give some, spend some, save some." give some, set your--
00:22:27.068 --> 00:22:29.671
Save some." give some, set your-- set your giving aside first,
00:22:29.738 --> 00:22:32.174
Give some, set your-- set your giving aside first, that's not a want,
00:22:32.240 --> 00:22:33.008
Set your giving aside first, that's not a want, that's a need.
00:22:33.074 --> 00:22:34.543
That's not a want, that's a need. we need to give,
00:22:34.609 --> 00:22:36.044
That's a need. we need to give, because if we don't give,
00:22:36.111 --> 00:22:37.712
We need to give, because if we don't give, no matter what we have,
00:22:37.779 --> 00:22:38.780
Because if we don't give, no matter what we have, it's not gonna be blessed.
00:22:38.847 --> 00:22:40.849
No matter what we have, it's not gonna be blessed. and so, you always
00:22:40.916 --> 00:22:41.750
It's not gonna be blessed. and so, you always set aside your giving.
00:22:41.817 --> 00:22:44.719
And so, you always set aside your giving. do a little something for
00:22:44.786 --> 00:22:45.687
Set aside your giving. do a little something for yourself with the money
00:22:45.754 --> 00:22:46.655
Do a little something for yourself with the money that you work for,
00:22:46.721 --> 00:22:48.857
Yourself with the money that you work for, it gets kind of boring
00:22:48.924 --> 00:22:49.724
That you work for, it gets kind of boring if you work all the time,
00:22:49.791 --> 00:22:50.725
It gets kind of boring if you work all the time, and you never do anything
00:22:50.792 --> 00:22:51.760
If you work all the time, and you never do anything for yourself.
00:22:51.827 --> 00:22:52.761
And you never do anything for yourself. although, maybe, some people
00:22:52.828 --> 00:22:54.463
For yourself. although, maybe, some people deserve to be bored for
00:22:54.529 --> 00:22:55.597
Although, maybe, some people deserve to be bored for a little while, because
00:22:55.664 --> 00:22:57.632
Deserve to be bored for a little while, because they've lived riotously.
00:22:57.699 --> 00:23:00.235
A little while, because they've lived riotously. and then, save some.
00:23:00.302 --> 00:23:01.470
They've lived riotously. and then, save some. what if each one of you from
00:23:01.536 --> 00:23:03.572
And then, save some. what if each one of you from the time you went to work,
00:23:03.638 --> 00:23:04.873
What if each one of you from the time you went to work, when maybe you were 16, or 17,
00:23:04.940 --> 00:23:06.274
The time you went to work, when maybe you were 16, or 17, or 18, would have been saving
00:23:06.341 --> 00:23:08.043
When maybe you were 16, or 17, or 18, would have been saving 10% of everything that you
00:23:08.109 --> 00:23:10.345
Or 18, would have been saving 10% of everything that you made ever since then?
00:23:10.412 --> 00:23:13.949
10% of everything that you made ever since then? just think what you
00:23:14.015 --> 00:23:14.583
Made ever since then? just think what you would have now.
00:23:14.649 --> 00:23:15.851
Just think what you would have now. and you know what?
00:23:15.917 --> 00:23:16.518
Would have now. and you know what? if you start doing that,
00:23:16.585 --> 00:23:17.586
And you know what? if you start doing that, you don't miss it.
00:23:17.652 --> 00:23:19.454
If you start doing that, you don't miss it. you really don't miss it.
00:23:19.521 --> 00:23:21.590
You don't miss it. you really don't miss it. and so, it's very wise
00:23:21.656 --> 00:23:24.059
You really don't miss it. and so, it's very wise to manage money,
00:23:24.125 --> 00:23:25.026
And so, it's very wise to manage money, and not let money manage you.
00:23:25.093 --> 00:23:28.697
To manage money, and not let money manage you. say it again,
00:23:28.763 --> 00:23:29.364
And not let money manage you. say it again, "i can live debt-free."
00:23:29.431 --> 00:23:31.233
Say it again, "i can live debt-free." >> [audience responding]
00:23:31.299 --> 00:23:33.001
"i can live debt-free." >> [audience responding] >> joyce: thank you so much
00:23:33.068 --> 00:23:34.202
>> [audience responding] >> joyce: thank you so much for being with us today.
00:23:34.269 --> 00:23:35.370
>> joyce: thank you so much for being with us today. we appreciate you listening,
00:23:35.437 --> 00:23:37.038
For being with us today. we appreciate you listening, and i hope you put some
00:23:37.105 --> 00:23:38.240
We appreciate you listening, and i hope you put some of these principles
00:23:38.306 --> 00:23:38.907
And i hope you put some of these principles to work in your life.
00:23:38.974 --> 00:23:40.041
Of these principles to work in your life. >> [audience applauding]
00:23:40.108 --> 00:23:42.277
>> announcer: struggling with
00:23:44.179 --> 00:23:44.779
>> announcer: struggling with debt or the stress of trying
00:23:44.846 --> 00:23:46.014
Debt or the stress of trying to make ends meet?
00:23:46.081 --> 00:23:47.516
To make ends meet? the bible offers clear wisdom
00:23:47.582 --> 00:23:49.317
The bible offers clear wisdom to guide you toward peace
00:23:49.384 --> 00:23:50.585
To guide you toward peace and joy in finances.
00:23:50.652 --> 00:23:52.220
And joy in finances. but where do you start?
00:23:52.287 --> 00:23:53.788
But where do you start? in “financial management
00:23:53.855 --> 00:23:54.856
In “financial management god's way,” joyce shares
00:23:54.923 --> 00:23:56.324
God's way,” joyce shares practical biblical steps
00:23:56.391 --> 00:23:57.759
Practical biblical steps to help you overcome
00:23:57.826 --> 00:23:58.693
To help you overcome financial anxiety and find
00:23:58.760 --> 00:24:00.061
Financial anxiety and find lasting freedom.
00:24:00.128 --> 00:24:01.796
>> joyce: god has
00:24:01.963 --> 00:24:02.764
>> joyce: god has taught me so much
00:24:02.831 --> 00:24:04.065
Taught me so much over the years
00:24:04.132 --> 00:24:04.566
Over the years about finances.
00:24:04.633 --> 00:24:05.333
About finances. in the early years
00:24:05.400 --> 00:24:06.134
In the early years of our marriage, dave
00:24:06.201 --> 00:24:07.269
Of our marriage, dave and i had to trust
00:24:07.335 --> 00:24:08.103
And i had to trust god for the very
00:24:08.169 --> 00:24:08.870
God for the very basics like clothes
00:24:08.937 --> 00:24:10.071
Basics like clothes and groceries.
00:24:10.138 --> 00:24:11.506
And groceries. we learned how to live
00:24:11.573 --> 00:24:12.474
We learned how to live by faith for our
00:24:12.541 --> 00:24:13.341
By faith for our everyday needs.
00:24:13.408 --> 00:24:14.776
Everyday needs. and while that's very
00:24:14.843 --> 00:24:15.443
And while that's very important that we
00:24:15.510 --> 00:24:16.845
Important that we learn how to put our
00:24:16.912 --> 00:24:17.746
Learn how to put our trust in god, i believe
00:24:17.812 --> 00:24:19.314
Trust in god, i believe that god's word gives
00:24:19.381 --> 00:24:20.415
That god's word gives us wisdom to be good
00:24:20.482 --> 00:24:21.850
Us wisdom to be good stewards of the
00:24:21.917 --> 00:24:22.484
Stewards of the finances that
00:24:22.551 --> 00:24:23.552
Finances that we have been given.
00:24:23.618 --> 00:24:24.920
We have been given. in this book,
00:24:24.986 --> 00:24:25.654
In this book, i want to give
00:24:25.720 --> 00:24:26.588
I want to give you a biblical
00:24:26.655 --> 00:24:27.188
You a biblical understanding about
00:24:27.255 --> 00:24:28.189
Understanding about finances and some
00:24:28.256 --> 00:24:29.891
Finances and some practical tips that
00:24:29.958 --> 00:24:30.992
Practical tips that you can apply right
00:24:31.059 --> 00:24:31.993
You can apply right now, to help you
00:24:32.060 --> 00:24:33.061
Now, to help you achieve your goals.
00:24:33.128 --> 00:24:34.396
Achieve your goals. you can do this.
00:24:34.462 --> 00:24:35.530
>> announcer: learn how to trust
00:24:36.064 --> 00:24:37.299
>> announcer: learn how to trust god with your finances based
00:24:37.365 --> 00:24:38.300
God with your finances based on the promises in his word
00:24:38.366 --> 00:24:40.702
On the promises in his word with joyce's book, "financial
00:24:40.769 --> 00:24:42.304
With joyce's book, "financial management god's way."
00:24:42.370 --> 00:24:43.605
Management god's way." it's yours free upon request.
00:24:43.672 --> 00:24:45.607
It's yours free upon request. develop a balanced budget
00:24:45.674 --> 00:24:47.008
Develop a balanced budget and eliminate debt.
00:24:47.075 --> 00:24:48.543
And eliminate debt. avoid unexpected financial
00:24:48.610 --> 00:24:50.011
Avoid unexpected financial emergencies.
00:24:50.078 --> 00:24:51.079
Emergencies. make wise investments for your
00:24:51.146 --> 00:24:52.647
Make wise investments for your future and much more.
00:24:52.714 --> 00:24:54.449
Future and much more. to request your free copy of,
00:24:54.516 --> 00:24:56.351
To request your free copy of, "financial management
00:24:56.418 --> 00:24:57.519
"financial management god's way," call us at...
00:24:57.586 --> 00:25:01.590
God's way," call us at... or download a digital copy
00:25:01.656 --> 00:25:03.224
Or download a digital copy at joycemeyer.org,
00:25:03.291 --> 00:25:04.526
At joycemeyer.org, or through the joyce meyer app.
00:25:04.593 --> 00:25:06.061
>> joyce: you know,
00:25:07.162 --> 00:25:07.696
>> joyce: you know, no one gets into
00:25:07.762 --> 00:25:08.597
No one gets into financial struggles
00:25:08.663 --> 00:25:09.531
Financial struggles overnight.
00:25:09.598 --> 00:25:10.932
Overnight. and likewise, it may
00:25:10.999 --> 00:25:12.133
And likewise, it may take time to feel
00:25:12.200 --> 00:25:13.335
Take time to feel like you're making
00:25:13.401 --> 00:25:13.969
Like you're making progress forward.
00:25:14.035 --> 00:25:15.337
Progress forward. but i know you can
00:25:15.403 --> 00:25:16.972
But i know you can achieve your
00:25:17.038 --> 00:25:17.606
Achieve your financial goals
00:25:17.672 --> 00:25:18.540
Financial goals if you obey god and
00:25:18.607 --> 00:25:20.008
If you obey god and trust him to give
00:25:20.075 --> 00:25:20.909
Trust him to give you the grace
00:25:20.976 --> 00:25:21.476
You the grace to do it.
00:25:21.543 --> 00:25:22.510
To do it. he will help you get
00:25:22.577 --> 00:25:23.612
He will help you get there step by step,
00:25:23.678 --> 00:25:25.046
There step by step, one day at a time.
00:25:25.113 --> 00:25:27.015
One day at a time. i pray that god gives
00:25:27.082 --> 00:25:28.149
I pray that god gives you a determination
00:25:28.216 --> 00:25:29.584
You a determination to break free from
00:25:29.651 --> 00:25:30.986
To break free from financial burdens.
00:25:31.052 --> 00:25:32.621
Financial burdens. the journey may not
00:25:32.687 --> 00:25:33.355
The journey may not be easy, but i promise
00:25:33.421 --> 00:25:35.457
Be easy, but i promise it will be worth it.
00:25:35.523 --> 00:25:36.591
It will be worth it. let me help you
00:25:36.658 --> 00:25:37.425
Let me help you take the first step.
00:25:37.492 --> 00:25:38.660
>> announcer: god wants
00:25:40.195 --> 00:25:40.795
>> announcer: god wants to give you the wisdom
00:25:40.862 --> 00:25:41.563
To give you the wisdom to thrive financially.
00:25:41.630 --> 00:25:43.632
To thrive financially. you can strengthen your
00:25:43.698 --> 00:25:44.566
You can strengthen your confidence and determination
00:25:44.633 --> 00:25:46.167
Confidence and determination to work toward financial
00:25:46.234 --> 00:25:47.268
To work toward financial freedom, and trust god
00:25:47.335 --> 00:25:48.837
Freedom, and trust god every step of the way.
00:25:48.903 --> 00:25:50.805
Every step of the way. contact us today and request
00:25:50.872 --> 00:25:52.540
Contact us today and request joyce's free book, "financial
00:25:52.607 --> 00:25:54.209
Joyce's free book, "financial management god's way."
00:25:54.275 --> 00:25:55.877
Management god's way." call us at...
00:25:55.944 --> 00:25:59.280
Call us at... or download a digital copy
00:25:59.347 --> 00:26:00.882
Or download a digital copy at joycemeyer.org,
00:26:00.949 --> 00:26:02.250
At joycemeyer.org, or through the joyce meyer app.
00:26:02.317 --> 00:26:04.486
>> joyce: boy, you know,
00:26:07.555 --> 00:26:08.289
>> joyce: boy, you know, in today's world,
00:26:08.356 --> 00:26:09.257
In today's world, there are many stressors,
00:26:09.324 --> 00:26:11.092
There are many stressors, so many things to deal
00:26:11.159 --> 00:26:12.260
So many things to deal with on a daily basis.
00:26:12.327 --> 00:26:13.962
With on a daily basis. how do we navigate
00:26:14.029 --> 00:26:14.963
How do we navigate all of life's pressures?
00:26:15.030 --> 00:26:16.698
All of life's pressures? well, god's word has
00:26:16.765 --> 00:26:17.999
Well, god's word has much to say about it.
00:26:18.066 --> 00:26:20.301
Much to say about it. so, i thought we could
00:26:20.368 --> 00:26:21.202
So, i thought we could all get together with
00:26:21.269 --> 00:26:22.470
All get together with some of my friends
00:26:22.537 --> 00:26:23.204
Some of my friends and talk about it.
00:26:23.271 --> 00:26:24.572
>> announcer: join us
00:26:25.106 --> 00:26:25.674
>> announcer: join us for the enjoying
00:26:25.740 --> 00:26:26.741
For the enjoying everyday life
00:26:26.808 --> 00:26:27.776
Everyday life conference.
00:26:27.842 --> 00:26:29.110
Conference. a weekend
00:26:29.177 --> 00:26:29.577
A weekend of practical messages
00:26:29.644 --> 00:26:30.712
Of practical messages and heartfelt worship
00:26:30.779 --> 00:26:33.181
And heartfelt worship with joyce
00:26:33.248 --> 00:26:34.115
With joyce and her guests,
00:26:34.182 --> 00:26:34.983
And her guests, dr. henry cloud,
00:26:35.050 --> 00:26:37.052
Dr. henry cloud, nona jones,
00:26:37.118 --> 00:26:39.320
Nona jones, and worship with
00:26:39.387 --> 00:26:40.121
And worship with naomi raine,
00:26:40.188 --> 00:26:41.690
Naomi raine, april 10-11,
00:26:41.756 --> 00:26:43.024
April 10-11, in hershey, pennsylvania.
00:26:43.091 --> 00:26:45.493
In hershey, pennsylvania. >> joyce: you know,
00:26:45.560 --> 00:26:46.261
>> joyce: you know, i have such a passion
00:26:46.327 --> 00:26:47.095
I have such a passion for teaching god's word,
00:26:47.162 --> 00:26:48.396
For teaching god's word, and it's even better when
00:26:48.463 --> 00:26:49.864
And it's even better when we all get together
00:26:49.931 --> 00:26:51.099
We all get together under one roof.
00:26:51.166 --> 00:26:52.100
Under one roof. so, i really hope
00:26:52.167 --> 00:26:52.934
So, i really hope to see you there.
00:26:53.001 --> 00:26:54.169
>> announcer:
00:26:54.903 --> 00:26:55.203
>> announcer: register today.
00:26:55.270 --> 00:26:56.404
Register today. go to:
00:26:56.471 --> 00:26:57.238
Go to: joycemeyer.org.
00:26:57.305 --> 00:27:00.542
>> [♪♪]
00:27:04.746 --> 00:27:10.018
>> announcer: we hope you
00:27:12.053 --> 00:27:12.854
>> announcer: we hope you enjoyed today's program.
00:27:12.921 --> 00:27:16.124
Enjoyed today's program. we are so grateful
00:27:16.191 --> 00:27:17.292
We are so grateful to our joyce meyer
00:27:17.358 --> 00:27:18.359
To our joyce meyer ministries partners
00:27:18.426 --> 00:27:19.427
Ministries partners who make this
00:27:19.494 --> 00:27:20.228
Who make this and all we do possible,
00:27:20.295 --> 00:27:21.730
And all we do possible, including sharing
00:27:21.796 --> 00:27:22.731
Including sharing god's word
00:27:22.797 --> 00:27:23.698
God's word and offering help
00:27:23.765 --> 00:27:24.933
And offering help to people in need
00:27:24.999 --> 00:27:26.234
To people in need all over the world.
00:27:26.301 --> 00:27:29.010

Joyce Meyer - Becoming Debt Free

January 19, 2026 | 27:29

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