Latest / Koinonia Christian Center / Living Covenant Conscious Financially Part 6 | Factor In The Cross | Bishop Rosie S. O’neal

Transcript

Living Covenant Conscious Financially Part 6 | Factor In The Cross | Bishop Rosie S. O’neal · Koinonia Christian Center

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It's my moment. Turn in your
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Bibles. Come on. You got your Bibles
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with you? Lift them up. Let's get ready
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to make our confession of faith. Come
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on. Say, "This is my Bible." This is my
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Bible. It is God's word. It is God's
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word. It reveals to me. It reveals to me
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God's will. God's will. Therefore,
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therefore, it is the final authority the
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final authority to which I submit to
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which I submit to settle all the issues
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all the issues of my life of my life. It
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is the standard of my conduct. And the
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basis of all my expectations.
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Shout it out. I am. I am. What it says I
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am. It says I am. I possess. I possess
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what it says I possess. Says I and I can
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do. I can do. Absolutely everything.
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Absolutely everything it says I can do.
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Turn and tell your neighbor I know
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that's right. I know that's right. All
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right. All right. So, we are in our
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series on being covenant conscious
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financially.
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We want to be covenant conscious. Not
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just to shout.
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Amen. But we want to be that way
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financially.
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Okay. So, we began our series and you're
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going to 2 Kings chapter 6. But we began
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our series in Deuteronomy 8:18 that
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says, "It's the Lord that gives us the
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power to get wealth that he may
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establish his covenant in the earth."
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Yes. Huh. Then Proverbs 227 told us the
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rich rule over the poor and the borrower
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is servant to the lender. So what we
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said was we need to check our attitude,
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our alignment and our awareness.
1:40
All right. We need an attitude that God
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wants us blessed.
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God wants you to have go. This is not
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go. Having just enough when it is not a
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survival time or wartime is to be
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selfish.
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I just need just enough. The devil is a
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lie. You don't want more so you can help
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somebody. You don't want to check in
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down on your family, your neighbors. You
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don't care nothing about that. No, no,
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no, no, no. I have to change my
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attitude. I not I got to move from not
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enough. Move from just enough to more
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than enough. Amen. And I need to make
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that an attitude change. What kind of
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change? Attitude. Because remember, if
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you only do change behavior but not your
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belief, if you only change habit and not
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the very heart of the thing. If you only
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change the practice but don't change the
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perspective, you just postpone the
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behavior till another time.
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You stop cussing right now. But if you
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don't go back and dig through your head
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and get that junk out and say, "I don't
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even know why I thought I needed to use
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other terms that were vulgar. What was I
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even thinking to disrespect myself and
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my mind?" If you don't go back and dig
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it out the next time somebody does
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something,
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preach. All right. So then we've
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realized we need to be in alignment.
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That always gets fewer. Okay. Be in
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alignment financially. be a tither. It's
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not an option. It's a part of our faith.
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You know, I was thinking about it. I
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told them I was coming down my stairs. I
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have um to my to our left we have Muslim
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neighbors uh on down and uh in fact the
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two beside us and the one in front and
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um one of their mothers passed. So I
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text her to say, "Hey, you know, I'll be
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praying for you and your family and da
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da da." She was like, "Oh God, this
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means so much more to me than you would
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even know. Thank you so much for praying
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for me." And on and on. just sweet
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people. And uh I was thinking about it,
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their faith seems to be uh a little bit
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more
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daily routine
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required. And I said, I was thinking
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this coming down the steps this morning.
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I said, we have to be careful. We have
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such glorious Sunday celebrations that
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if we're not careful, we'll think Sunday
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is the end of our faith.
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[Music]
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Yeah, because we could we don't just
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come and listen to a speech, say a
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prayer, and read a scripture. We going
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in. You understand? We we done heard
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about seven songs already.
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We done hollered, cried, screamed, then
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Steve Hartman. We we we go for the whole
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gamut, right? But if we're not careful,
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we'll think that that's it. But the
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daily alignment,
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your faith is more than what you
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believe. It's the way you adhere to the
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belief system.
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I'm holding the mic out for the clap.
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[Applause]
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Yeah. So, get in alignment financially
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because you cannot disrespect God and
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steal from him and then ask him to bless
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everything.
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That was like them people who tried to
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jump in the fastass lane, Kevin. Y'all
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see them? They tried to get in that
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fastpass lane like they had it. And then
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you get to a certain point and you had
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to put your card up against that thing.
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They said, "Ma'am, you in standby." So,
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not
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only you, now you got to get back out of
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that. Everybody looking at you. You
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understand what I'm saying? And you got
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I don't want that.
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Go on and be right with the Lord. Amen.
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And then we said you need an awareness
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of two things. an awareness first of all
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that you and I because of our walk with
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God are made to come out of anything
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that would try to hold us bound.
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Can I say something to you? All my life
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I always felt so undisiplined, right?
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And I'm I'm again I'm not the person
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that is as great on routines. Y'all know
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the fast is no joke for me getting up
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that early in the morning cuz I don't
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hardly think nobody I don't want to hear
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nobody talk at
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6:30, right? That's Earl. I'm just not
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that person. But God has shown me,
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Rosie, stop saying you're not
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disciplined. You are incredibly
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disciplined. And watch this. So are
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y'all.
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How many say, "Pastor, I don't know. I'm
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going Come on, be honest. I don't know."
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Let me tell you something. Everything
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about the way you
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live, now I'm not saying you couldn't
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grow in it. I'm saying you'd be
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surprised at how disciplined you are
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because you're here right now. How many
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Well, now I see a lot of empty chair
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which is scary cuz we never have empty
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chairs at night. But what that says
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rain. How many wanted to sleep in?
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You probably would have given almost
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anything to sleep in. Right. That rain
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was
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[Applause]
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right.
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Okay, but now wait a minute. But you're
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here though.
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No, no, come on. Come on. You're here.
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So, what that says to me, and it's
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because you already have this mindset.
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I'm a ser I'm a I'm a Jesus follower.
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The family gathers on Sunday morning.
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So, rain, shine, you know, windy don't
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make no difference. Snow, unless they
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cancel, I'm coming to church. So that
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says to me, you were aware that you
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didn't want to go. You wanted to sleep
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in, but you have a belief system that's
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bigger than what you feel. So you made
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the decision to do what you knew was
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right. Baby, you are disciplined.
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Turn and tell your neighbor, you are
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disciplined. You are disciplined.
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Everything about our faith shows it. You
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getting mad, you didn't cuss the person
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out. That's discipline.
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No, I'm not. That's not even a joke,
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y'all. That's not a joke.
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You made decisions because of what you
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believe.
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It's in you and you need to be aware of
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it.
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Cuz you don't need to think that you
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have to live in a financially tight
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situation
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cuz it's in you to come out.
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Okay. Now, so we must be aware aware of
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our ability to come out of anything
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because of the way our faith operates.
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We get a new mindset. We make decisions
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based on what we believe and not what we
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feel. So, we're perfect candidates to be
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free in any situation. But then also an
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awareness of where we are. Anytime you
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want to go somewhere, you need to figure
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out where you are. Amen. Where are you
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starting from?
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Come on. All right. Proverbs
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27:23 says that you and I need to be
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careful to know the state of our flocks.
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So you had homework last week.
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Look at you. Look at you. Okay. One
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person that put their head down. She
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said, "Oh Lord, I didn't do a list." All
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right. How many did your stuff?
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Okay. Okay. That's
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sad. Okay. That's all right. You better
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not let me see one of them papers laying
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around. All right. How many had already
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done your stuff? You've already worked
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on stuff like that. Okay. How many got
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to do it this week? Okay. Listen to me
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when I share this with you. You know
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this is love, right? Unless you got a
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whole bunch of
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money, you you you don't have another
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week.
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Okay, y'all saw the y'all saw the stuff.
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You You better find your way to some
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money. You better listen to what I'm
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telling you.
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All right, moving on. So, the spending
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plan, you need to
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know what your expenses are today.
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Second
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Kings chapter 6. That's my review. Oh,
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wait a minute. Thank you, Lord. Oh, he's
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so good. From Bible study, we will learn
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you need an emergency fund. Amen.
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Okay, we looked at two verses. Uh,
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Proverbs 6 6-8. Go to the aunt, thou
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slugger. Consider her ways and be wise.
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Whom having no overseer or guide, she
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provides some meat in the summer. You
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need to be making money now.
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Now, a lot of people are going to say
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you're in your 70s, you're in your 80s,
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and you're going, "Bishop, where were
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you 40 years ago?" I understand. Okay.
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But for those of y'all that are 40 and
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under,
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you you ought to be almost coming to sit
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on the floor in front.
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20,
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I'm telling you, you going to remember
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me when you get old.
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Boy, you remember what was her name?
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Uh, she was funnyish and real bright
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looking and a lot of teeth and whatnot.
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You going to remember
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because what you do with these lessons
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like this will determine what you are
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like when you get older.
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Okay. Whether you're wondering who going
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to come replace your floor cuz you can't
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afford to do it.
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Bene going too real. I I need to go
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Jesus.
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Okay. Proverbs 21:20. I want to at least
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read that one to you. There is treasure.
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This is what we learned about this
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emergency fund. Treasure to be desired
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and oil in the dwelling of the wise, but
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a foolish person spends up everything
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they see.
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You need to have an emergency fund. And
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what is that? At least $1,000 to get
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started. So if your tire blow out, you
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ain't looking around lost.
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Come on, talk to me. All right. At least
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a th000. Then you want to move to three
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to six months of your income sitting.
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Yeah. All right. So, Pastor Trev taught
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it. It's on the line. It's online. It's
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on Bible study. But today, Second Kings,
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y'all, Y'all ain't lost your joy, have
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you? No. All right. We'll put the song
11:43
back on. We put the video back on. We
11:45
can't ask Elder Kelly to sing that
11:47
again. He killed that. Ain't no more
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juice in that. That thing
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is gone. Second Kings, starting at verse
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one of chapter 6. Come on. And the sons
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of the prophets said unto Elisha, Yep.
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Behold now, the place where we dwell
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with thee is too straight for us. It's
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too small. See, when you get a dream,
12:06
you got to bust to move.
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Okay? Only two people. The place where
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we are is too st. It's too narrow. It's
12:15
too small for us. All right? So, he
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says, "Let's go. Let's build. Everybody
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get a beam. We're going to all chip in
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and we're going to build a place." He
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said, "Okay, go ahead." Verse three, he
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said, "Uh, read." And one said, "Be
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content, I pray thee, and go with thy
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servants." And he answered, "I will go."
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I'll go with you. Come on. So he went
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with them. And when they came to Jordan,
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they cut down. They start cutting down
12:39
some more wood. You're going to need
12:40
some more. All right. Verse five. But as
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one was felling, as he was cutting his
12:44
piece of wood, the axe head fell into
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the water. Dog gone. And he cried and
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said, "Alas, and he wait. Uh-uh. His axe
12:52
head fell in the water. And he what? He
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did what? Cry. That's what happened when
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you when you borrow something and then
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it's gone. You
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come on, read the verse.
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And he cried and said, "Alas, master."
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Oh, no. For it was borrowed. Okay, there
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it is. M
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I need you to I need you to for a moment
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identify with the pressure and the
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stress and the tears of what happens
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when how you feel when something occurs
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and you don't have money for it.
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You done borrowed this and now it flew
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in the water. Axe heads don't swim. you
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in trouble cuz you already don't have a
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big enough place.
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Now you done b Okay, forget it. Y'all
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don't know. And don't folk don't even we
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don't cut wood. We don't do nothing. So
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forget that. Okay, so you b you borrowed
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some money.
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Yeah.
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And then lost your job.
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Okay, let's try to put it into you
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borrowed some money and somebody broke
14:02
in your car and took your wallet and
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broke the window to get in. So, you lost
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the money you borrowed. Now, you got to
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take off a day and you got to get your
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W. This is all the scriptures saying.
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Yeah. And I need for us to identify
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today with that he cried
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because this desire to live our lives
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for Jesus and to be vessels of God in
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the earth is something that says, "Hey,
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I want to have the ability to not only
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sustain my life, but to have wealth that
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could bless other people and create
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strength in the kingdom."
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Okay, I'm just going to work today. I
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came to
14:45
work you. First of all, so I'm going to
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give you uh we got four little points
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today. You going to be able to make it.
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My subject today is factor in the cross.
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Fact. I know it. It's hard to believe,
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but it's in here. Factor in the cross.
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So today, we have four points that I
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want us to consider as we are covenant
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conscious financially. I'm in a covenant
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with God. I'm gonna change my mind to
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think in line with what the word says.
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I'm gonna get in alignment with my
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practices and my perspective. Amen.
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Amen. Right. Okay. I have an awareness.
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I'm going find out where I am
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financially. And then this is what I
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want to do. Number one, establish the
15:26
why. You going to come out of this debt.
15:30
And if you're not in that, why you're
15:32
going to the next level of abundance.
15:34
Establish your why.
15:37
You have to understand
15:39
something. It is always valuable
15:42
time to figure out why you want
15:45
something
15:47
before you really go after.
15:50
It is equivalent to sharpening the edge
15:54
of the axe head.
15:57
Because if your axe head isn't sharp,
15:59
you got to you got to put more force to
16:02
it. Come on. Y'all know that you get a
16:05
real knife on a steak, you ain't got any
16:08
problems. But if you pull that joker up
16:11
out the dollar store,
16:14
you going to be you going you fitting a
16:16
struggle, baby. All right. You got to
16:19
establish your why. And Proverbs 22:7
16:23
tells you, cuz the servant, the borrower
16:25
is servant to the lender. I don't want
16:27
to be in that position. I said, I don't
16:30
want to be in that position. Amen. I
16:32
don't want to be like 2 Kings 6:5
16:35
crying. What I'mma do? We're supposed to
16:38
be opening our mouths and giving God
16:40
praise. Amen. We're supposed to be open
16:42
giving honor to God. Who's the head of
16:43
my I thank God for what he's doing in my
16:46
life. I bless God. We don't need y'all
16:48
pray for me because you know what had
16:51
happened was you know and I and I'm just
16:54
you know
16:57
that why you call it can't have
16:58
testimony service now.
17:01
folk up there. I can't even hardly be on
17:03
Bible study. People trying to ask, "Can
17:04
you cash app at me to get to Maryland?"
17:06
No. Doc, get off the thing. Listen to
17:09
the Bible study. That's what you need to
17:11
be doing. And I'm not saying we don't
17:13
have needs. I'm saying but that ain't
17:14
the place in time. And usually and let's
17:18
say how real you want to go. No. Only
17:20
Only a few of y'all say is how real you
17:22
want to go. Generally, it's the folk who
17:25
ain't tithing and ain't doing right that
17:26
always need something.
17:30
I know it's hard to clap to it. Lord,
17:33
they took my slide away. That I don't
17:34
know why they want to do me like that.
17:36
Put my slide back up. Establish your
17:38
why.
17:39
Put that back up there for me. There it
17:41
is. See, I want to make sure that you
17:44
have it down in your spirit that you
17:47
want God to do certain things in
17:49
you. Before I get started on this quest,
17:54
see, even Jesus illustrated this when it
17:58
said in Hebrews, who for the joy that
18:00
was set before him, he endured the
18:03
cross.
18:04
There's something that happens in you
18:06
when you put the why in front of you.
18:10
Because when everybody else say, "We
18:11
going the long horn. You going and you
18:13
thinking to yourself, nah, I don't know
18:16
what should I do. I got some money."
18:20
But you know what? I'm tired of even
18:22
having to ask, "What should I do?" No, I
18:25
ain't going. I'm going to go right home
18:27
and eat what I got. Why? Because in
18:30
about 17 months, I ain't going to ever
18:32
have to ask this question again. And I
18:35
can say no to that food today so I can
18:38
say yes to stuff later. Y'all ain't
18:40
having church with me. And you got to
18:42
get that stuck in your
18:44
head. Maybe your thing is legacy. And
18:47
that's where we are thinking about how
18:49
how can I make the biggest impact on two
18:51
or three generations.
18:54
I started thinking about that thing. I'm
18:57
a little older and I I didn't have my
19:00
children very young. So I'm like I got
19:04
to come I had to sit down that told
19:06
y'all about it and come to grips with it
19:08
is possible that I may not see them
19:10
graduate from high school. I don't know.
19:13
I hope to but the reality is Bishop will
19:17
hit that's old will hit 60 in about six
19:22
seven months
19:24
right so so I don't have grandchildren
19:27
yet
19:31
so you're doing all you can ain't you
19:34
son you're doing all in three months hey
19:36
lift lift your left
19:38
[Applause]
19:40
foot yes sir so right So between them,
19:44
you know, we believe God for it. But
19:46
here's the thing. If it takes another
19:48
year or two,
19:50
that would make me 80 when they
19:52
graduate.
19:56
So I I'm I'm thinking about that and I
19:58
said, "Okay." So I'm doing my stuff. I
20:00
said, "I want to leave this amount of
20:01
money for them cars for my
20:04
grandchildren, but not when they turn 16
20:06
cuz they going to wreck them." That No,
20:07
no, no, no. The old ve the mobile is
20:11
coming. You know, I want them when they
20:13
graduate college or whatever, I want
20:15
them to get that's when they say and
20:17
they pull all they graduated and then
20:20
the parents say, "Here go the keys. This
20:22
isn't from
20:24
us. Watch this little video."
20:28
Hey, I wish I could have been with you
20:31
today. I'm in heaven
20:33
though. Right. But I was thinking about
20:36
you before I left. So, while you drive
20:39
your car, give God some praise. Cuz this
20:41
came from a worshipper. Hey. Hallelujah.
20:45
I want him riding down with Omar on the
20:48
back. Little sticker on it. Let's get
20:51
the little sticker made. Look at Bae.
20:53
I'mma still be here. Look
20:56
at all right. Y'all do what you got to
20:58
do. But establish your why because it
21:01
motivates you. Listen to me. Your why
21:04
motivates you when it's tough.
21:12
It motivates you. If it's weight, if
21:15
it's relationship, whatever your area is
21:17
where you feel like you're behind or
21:20
whatever, put the why out there.
21:24
When I was getting ready to go through
21:25
chemo, I said, "Let me pick where I'm
21:27
going to go to celebrate when I get
21:29
through." So, I'm going to Hawaii when I
21:31
get through. And I would look at the
21:34
picture. I say, "I'll be there soon."
21:36
And that's what I did. And it motivated
21:39
me when I had a little pain. Y'all don't
21:42
feel like having church. See, even if
21:44
you got a if your relationship's real
21:46
rough right now, you got to see you got
21:48
to look past right now and say, "You
21:50
know what? I don't want to be I don't
21:52
want to I don't want to be 79 and 80 and
21:55
sitting on the porch and or or not on
21:57
the porch by myself." No, I want to look
21:59
over there and
22:01
say, "You some cheeks."
22:04
And I want him just like he did the
22:05
other day. We were playing skipo and I
22:07
and I almost had him. God knows I almost
22:09
had him and I lost right at the end. And
22:11
so I walked past he was in his man cave
22:14
and I
22:15
said and y'all know what he did? He's
22:18
loser. Right. So, but I want to do that
22:21
when I'm 80.
22:23
So you got to put that in front of you
22:26
when they come in the house. How was
22:27
your day? Fine. And you get mad.
22:32
Let's see how quiet they got. Y'all
22:34
don't Why do y'all come?
22:36
All right. Push your neighbor and say,
22:38
"Establish your why." Establish your
22:40
why. Why do you want to be financially
22:42
free? Why do you want to have excess?
22:45
Why? Why does it matter to you? Why? I
22:47
don't want to hear I don't want to have
22:48
to worry about who calling my house.
22:51
I don't want to have to worry about
22:52
what's will happen to me if I'm not
22:54
feeling well. I want to be able to pay
22:56
for a nurse to come in the house and
22:57
take care of me.
23:00
Establish your what? Wow. That's right.
23:03
Then number two, you need to decide on
23:06
how you going to do this. How you coming
23:08
out of debt? On what? How? How? Yeah,
23:12
remember that. Now, there are two
23:14
primary methods. How many? Two. Now, I
23:17
know this don't seem spiritual for
23:19
everybody, but it'll seem spiritual when
23:21
you don't when like I was at the movie
23:23
theater and one of the members leaned
23:24
over and said, you know, we put all this
23:26
into practice. We paid off our house in
23:28
January.
23:31
Hey, not not in front over there.
23:32
remember to the left side. There he is.
23:35
Yeah, cuz see we got that camera right
23:37
there, I think. And there we go. Thank
23:39
you. You got two basic
23:41
methods. You have consolidating your
23:45
bills.
23:47
Put that up there. What's that say?
23:49
Warning. Can y'all see that? Warning.
23:53
Why? Because this is what people do. If
23:57
you owe, let's say, seven, eight places,
23:59
cuz if you did your list, I did one
24:01
based on a couple making
24:04
$90,000 and their mortgage was
24:08
$1,800. Oh, we got a slide for it, too,
24:10
but not yet. And so I did all this
24:12
stuff. Them jokers was already in $1,000
24:14
worth of debt before they even got to
24:17
the credit cards.
24:20
And their only mortgage was only 1,800.
24:28
So what they do is they say this is what
24:29
you need to do. You owe 17,000 here and
24:32
you owe 14 here, six there, two there.
24:35
Put it all into one. Lower that payment.
24:39
Push your neighbor and say, "Warning,
24:40
warning, warning, warning."
24:43
Let me tell you something.
24:46
The only time, what did I just say?
24:50
Consolidation is beneficial is if you
24:54
are the almost most disciplined person
24:57
in the
24:59
world and you will not veer at all from
25:04
your plan.
25:06
Cuz this is what happens. People put all
25:09
the bills together. They said, "Thank
25:10
God, honey. God really came through for
25:12
me cuz I was tired honey. Every time the
25:14
phone rang and I got and that's what
25:16
they tell you. I know you're tired of
25:18
the phone
25:19
ringing. Let us put all that together.
25:23
So now you're not paying 225, 240, 390,
25:26
60 this. You just paying 400. You say, I
25:30
just needed, pastor, I'm be honest. I
25:31
just needed a break. And you'll ride
25:34
that break for about 4 months. And then
25:37
you going to open up another card.
25:40
And then you going to open up another
25:41
bill. And before long, you got all of
25:44
that and all of these two. And I know
25:46
you say, "Pastor, I want Look at how you
25:48
got where you are."
25:50
Now, I ain't trying to throw shade. We
25:52
shining light, right? So, here's you.
25:55
You This is
26:01
dangerous.
26:03
Okay. Second
26:05
way. I don't I just That's like I told
26:08
y'all last week about bathrooms and
26:10
stuff. And I told you and I'm using cuz
26:12
you see them. The commercials are
26:13
nonstop. We can fix your bathroom in a
26:16
day and they show you the little rotten
26:18
stuff and all that rust and all that
26:20
stuff and the tub. You be like, "Dang,
26:23
they steal you. Oh lord." And they say,
26:25
"I need to get that." And you don't have
26:27
to pay the 2028.
26:30
And you know, and look, I'm not picking
26:32
cuz you know I did this, right? You know
26:34
I've done this kind of dumb stuff.
26:36
That's how I can teach y'all about it,
26:38
right? So you you get it done. You feel
26:42
I ain't got no payment honey. By 2028,
26:44
I'm going to have paid it off cuz what
26:46
I'mma do
26:49
is now here's my thing. You were looking
26:52
at all that rust and that that little uh
26:57
the little water thing that you could
26:58
move back and forth like that cuz it was
27:00
rusted out and you didn't save any money
27:02
then to get it fixed. Now that it's
27:05
fixed, you think you going to start
27:07
saving for it? It ain't fitting to
27:09
happen, baby.
27:11
and you'll get up there and get right up
27:14
on the precipice of that pay, that first
27:16
payment, and they tack on that interest
27:20
that you ain't had to worry about the
27:21
whole time.
27:23
It's it Anybody ever heard of rent to
27:26
own
27:30
furniture? Sit on the
27:32
floor. The Lord wants you to lay on the
27:34
floor. That's what God is calling for.
27:36
You don't you 25% interest that by the
27:39
time you get through paying for that
27:41
couch, that couch won't be $800. You
27:43
done paid $12,000 for that one
27:46
couch. God knows. All right. The next
27:49
kind is avalanche. Is what? Avalanche.
27:53
All right. Now, what that speaks to. So,
27:56
look at this on this particular
27:59
one. Y'all got a camera so that the
28:02
people on the side can see it? One of
28:04
the cameras. Put it up here. John, can
28:06
they see it? Okay. This
28:09
family makes
28:12
$90,000. Top. What's Who knows what top
28:16
is?
28:17
Tithe offering and pastor. My God, you
28:21
better praise him. So they make $90,000
28:24
a year, right? Y'all sleep? Okay, that's
28:30
7.5K a month. All right. So, their tithe
28:34
would be 750.
28:39
Y'all y'all know how do I stuff? Let's
28:42
pretend they're giving $50 in
28:45
offering/pastors offering, vision
28:47
builder, everything got to come in that
28:51
$50. Sometime it's like that. All right.
28:54
So, so as they say, it be like that
28:56
sometime. All right. So they got $1,800
29:00
worth of mortgage, utilities, three,
29:02
phone, two, car 650, cable 139.
29:09
What?
29:12
Oh, cable more than
29:15
that.
29:19
Darn. Insurance on car number one, $90 a
29:22
month. Car number two, $435. insurance
29:25
80 allowance that's two people that's
29:29
$50 a
29:31
week
29:33
food now food is low
29:36
but I'm thinking if you got that much if
29:38
you got allowance you try to cut back or
29:40
something life insurance
29:43
[Applause]
29:46
I wish you would put
29:49
Oh god did y'all hear me did you hear my
29:50
mind that fast I better not see a corner
29:54
near member
30:02
Go.
30:08
Grooming cuz you know the guys going to
30:10
get that haircut. You just might as
30:11
well. Ladies, we you know. Amen.
30:15
We do what we gas,
30:18
right? Child care.
30:24
I'm just pretending they only got one. I
30:27
don't I don't know what to if they got
30:30
three. I don't If you got three children
30:32
at $150 a week, that's
30:37
Huh? Oh, they go to corner cuz it's
30:40
usually what? Two
30:42
how much?
30:45
270
30:48
273
30:51
a week. How many kids?
30:56
Let me take this time to invite you to
30:59
Cornia
31:04
Kaleidoscope. I can't even deal with
31:06
that. Incidentals, y'all. These people
31:08
already are over their balance because
31:11
though you make
31:12
$75,000, you only going to bring home
31:15
maybe.
31:18
Maybe.
31:20
When I did the math on these people,
31:22
they were minus
31:25
$800 every month. That doesn't
31:29
include the minimum payments of
31:34
235 125.
31:37
Lord JC Penney, holding
31:41
on. All right. Now, why was it important
31:44
to put these interest rates up
31:46
here? This, listen, you have to pay
31:49
attention. And I know there are some
31:51
people that will probably not want to
31:53
watch this and don't feel like this is
31:54
churchy for
31:57
them. But where are we going to learn
31:59
this stuff? Cuz they sure are not
32:02
teaching it in school. And if you don't
32:05
come from a financially educated family,
32:08
then you think it's okay to take your
32:11
title
32:13
down to the the car play and get get,
32:15
you know, to one of them little check
32:17
places
32:18
and get a loan at 30%.
32:22
You don't buy a car at 10%.
32:25
You don't No, no, no. Get a bike.
32:30
get an electric bike
32:33
and a rainshaw
32:35
and go to work
32:38
until you can afford better. So the
32:41
avalanche method is based on like if you
32:43
had a mountain and the goal is to knock
32:47
the stuff out and then add the payment
32:49
to the next one. Right? So you only owe
32:54
75 $725 at JC Penney. We got to hurry up
32:58
and get through with that. All right. So
33:01
now if you looked at your sheet, the
33:03
whole premise of this is as soon as I
33:06
get this knocked
33:07
out, soon as I get that, now you would
33:10
normally go from the highest interest
33:12
rate, but it depends on how much you
33:14
owe. Sometimes you need to pay off the
33:16
little ones first to give you a sense of
33:19
momentum.
33:21
And as soon as you pay it off, cut it up
33:23
and call write the letter and get it
33:25
taken off your credit report.
33:30
Jesus. Every now and then, Jesus. See,
33:34
now the cross enables us to do this.
33:37
Again, look at what Jesus did. He
33:39
established his why the joy set before
33:41
him. He endured the
33:44
cross. Same thing here. I'm trying to
33:46
figure out how I'm going to do it. How
33:48
did he save and rescue us? The cross.
33:52
my ability to go ahead and suck it up
33:57
and pay it off. Say, "No, we going out."
33:59
No, we're not going out tonight.
34:01
No, no, no. We good, baby. Let's watch.
34:03
We can watch that on TV. Come on. I want
34:05
surround sound. I'll stand behind you
34:07
and holler. You understand what I'm
34:09
saying? We trying to pay the mess
34:12
off.
34:15
Y'all, I'm sorry. The way stuff hits my
34:19
head. Right. So, as soon as I get this
34:22
paid off, I'm then going to take this
34:25
$40
34:28
and you can look into you have to take
34:29
the time to see which one is really best
34:32
advantageous and I'm adding it. So, now
34:34
I don't have to pay this 40. That don't
34:36
mean I should go out and raise up cable
34:38
and add a whole new
34:40
channel. It means now I got instead of
34:43
125, how much can I pay?
34:46
165. Then watch this. When I knock that
34:49
out, I add this to that. Now I'm paying
34:51
almost $400 a month to get this one
34:54
taken out and I've called and gotten rid
34:56
of that
34:58
and I've gotten rid of that and taken it
35:00
off my credit. So I've I've closed the
35:02
account down.
35:08
You see? So, I'm using this whole
35:11
concept of I have the discipline to
35:14
apply my faith to this area and I'm
35:17
going to deny myself, take up my cross
35:21
and knock these bills out in Jesus name
35:24
or knock these goals out in Jesus name.
35:28
Are y'all following me? All right, come
35:30
on. So, let's look at something else.
35:31
We're trying to get through. All right.
35:34
You got to watch this. You got to
35:36
establish your why.
35:39
decide on your how. Now, oh, Proverbs
35:43
13:11. Proverbs 13:11. Real quick, real
35:46
quick. I know
35:47
y'all maybe y'all help me. I can holler
35:50
30
35:51
seconds. It says, first of all, wealth
35:54
gotten by vanity, it ends up diminishing
35:56
anyhow. But if you get if you get it by
36:00
labor, that's when you really increase.
36:02
Can I tell you something? It will change
36:04
you to change your financial situation
36:07
because you put a plan in place.
36:10
It's not just it's not just okay at the
36:12
12:00. Now, I encourage you to watch 12
36:14
from last week cuz I think it was more
36:16
succinct. But I called this brother up
36:18
and gave him $700. I was going to give
36:21
him $500. Somebody else gave me $200
36:23
more. So, I gave it to him. Well, he
36:25
just went down. Great big old fell just
36:26
went to jumping and bouncing and it was
36:29
really great. And I said, "Has that ever
36:31
happened to you before?" He said, "No."
36:33
I said, "So apparently your
36:36
experience doesn't have to control your
36:38
expectation.
36:41
You can still have an expectation of
36:43
something you've never experienced.
36:46
God does not need it to have happened
36:48
before for it to happen for you now. I
36:51
wish I had." So Okay, she got it. It
36:53
doesn't have to have happened before.
36:54
God can bring a billion dollars in your
36:56
hand. You just It doesn't matter that
36:58
you don't know nobody with it. God can
37:00
make you the fir. Y'all not churching
37:02
with me. You see, and so you have to
37:05
have that in your mind.
37:08
All right. Decide on the how. Decide on
37:11
the how. And you become something
37:13
different. A person that wins the
37:14
lottery generally doesn't have anything
37:16
two years later because they didn't get
37:18
what they got through labor. Sometime if
37:21
you give your children too much, you
37:24
have to gauge the kind of person that
37:26
they are. Cuz if you give them too much,
37:28
they can become entitled acting and
37:32
lazy. They said, "I need so and so when
37:34
I need moved in that apartment." I said,
37:36
"Gosh, man. I'm going to need to tilew."
37:37
I said, "I need I got to cut on
37:39
electricity." Your dad My dad said,
37:40
"Yeah, you going to need
37:43
that." Which meant I'm not giving you
37:45
nothing for it. You should have known.
37:47
Hope it work out for you. Well, I
37:49
thought it was the meanest thing. I'm so
37:52
glad he didn't give it to me because I
37:54
felt like somebody when we were able to
37:57
go cut the electricity on and I became
38:00
something. Don't hand your children too
38:02
much beyond what they can take.
38:06
I told my boys earlier I would just It
38:09
would kill me to know that y'all were
38:11
trifling
38:13
and
38:14
lazy. Oh, it just it would break my
38:16
heart. Thank God we got workers. Amen.
38:20
Number three, designate your
38:22
wear. Designate your wear. Watch this.
38:27
Now, that means that spending plan that
38:30
half of y'all didn't
38:33
do. I don't like doing budgets. It's not
38:36
a
38:37
budget. It's a spending plan.
38:41
It's you deciding where you're going to
38:43
put your money. Yeah.
38:46
I made a decision. I like the old me.
38:49
Me, too.
38:50
And I realized after watching some
38:53
people that I didn't want to get older
38:57
and not have a sense of security. I know
39:00
my security is in
39:01
God. But I also appreciate that the Lord
39:05
was the one to help me see, put some
39:07
money aside.
39:10
I know y'all. Oh, Lord. Maybe they'll
39:12
come back next week. Jesus.
39:15
You got to designate where you want
39:17
stuff to. It's the same thing with time.
39:19
Everybody in here is not in debt.
39:23
Everybody in here is not in debt. You
39:25
got to put You need a a living plan.
39:28
What about how you spend your time?
39:31
You got plenty of money, but if you
39:33
don't put any time in your
39:35
relationships, they ain't going to have
39:36
no depth to them. You don't have time.
39:40
And I just got so much going on. It's
39:41
always so much. It's just I got so much,
39:44
you know, I just I feel like I'm just
39:45
overwhelmed all the time and and well
39:47
people I mean I want to go out but I
39:49
just don't have time. And then you sit
39:50
around and say I don't have any friends.
39:53
No, you don't cuz you don't put any time
39:56
in.
39:59
And you got the same amount of time
40:00
everybody else is. You just invested
40:02
differently.
40:07
Ah, y'all are wonderful people. Just go
40:08
on finish rose. It's not going well for
40:10
you today.
40:12
designate the where you commit to preset
40:16
limits
40:19
I'm going to spend. See a lot of stuff
40:22
what we do is we go out like and buy a
40:24
car and they hope to be able to pay for
40:26
it instead of having your pre your your
40:30
spending plan down and seeing what you
40:32
can't afford.
40:36
But I feel like God want to give me the
40:38
desires in my heart. He does after you
40:41
pay your stuff off.
40:47
Do you see how wise people don't holler
40:48
want to come back to church sometime? I
40:50
don't know what is.
40:52
No, this I can't I can't go out and and
40:54
I you know you you Oh, you're driving
40:57
good and don't own nothing.
41:01
Come on. Talk. Come on now. How many
41:03
admit some of us didn't know? We didn't
41:05
know. Honey, we went out. I got a I was
41:07
talking to a pastor and uh he was
41:09
telling me he's like I never heard any
41:11
of this stuff driving a Mercedes and
41:13
don't own nothing.
41:15
[Music]
41:17
Okay. So, well, you need to buy
41:20
something. I
41:22
can't. Wow. But never heard it. Didn't
41:26
know it. Didn't know you should the
41:28
place where they said no, you ain't got
41:30
to put no down payment. Run from that.
41:32
Run from that,
41:34
honey. I ain't have to put nothing down.
41:36
God gave me
41:38
favor.
41:40
Favor. And the people across the world
41:42
while you signing, they holling favor.
41:45
Cuz they getting ready to take all that
41:46
you owe and throw 20% interest on that
41:49
thing. And while you think you got a
41:51
deal, you just put their children
41:52
through college off that raggedy car
41:54
that you just
41:56
bought. Now don't look at me strange now
41:58
cuz I drove the same vehicle for 10
42:00
years straight. And if anything happened
42:02
in that niece guy will get big blue
42:03
right back.
42:06
But I'm trying to get you to see this is
42:07
the game they playing. No, but see you
42:10
and I, we don't have to have a certain.
42:12
Now ain't nothing buy again. If you have
42:14
money, buy what you want to buy. If you
42:16
don't, same thing I tell you about
42:18
funerals.
42:21
I know y'all to get tired of this. I
42:23
know you do. But you going to appreciate
42:24
me when I'm gone. And I won't care when
42:26
I'm gone. But I'm just saying
42:29
we love the people. Oh,
42:33
that person is gone.
42:36
And the money you get ready to spend is
42:39
not for them. It's for either your how
42:41
you want to be seen
42:44
or for these people that are nosy.
42:47
Now, if you got
42:49
$15,000, go ahead.
42:52
But if you don't,
42:55
that is a kingdom resource.
43:02
Designate. Some people had to do their
43:04
stuff with the envelope system. Anybody
43:05
know what that is? That's when you get
43:07
that check. Y'all sit down together. You
43:10
say, "Okay, this is our entertainment
43:11
money." You put it in the envelope, say
43:13
entertainment.
43:15
And you look at
43:18
it. You go back to it. It's the same
43:22
amount and you have to agree to follow
43:25
that system. Let me get to this last
43:28
thing and let y'all go home
43:30
today. You designate the where. Please
43:33
fill out your spending plan. In fact,
43:34
can you help me encourage your neighbor?
43:35
Say, "Please fill it out. Please fill it
43:37
out for yourself, honey. Fill it out.
43:40
Know what you have." To my pastor, it's
43:42
too ugly. Look at it with eyes of
43:45
faith. All right. Now number four and
43:48
finally factor in the
43:52
who and the
43:54
cross. Factor it in. In second Kings we
43:59
are introduced Elisha or Elisha as some
44:03
call him. They had some people. They
44:06
needed another place. It was too small.
44:08
They did not have all the resources but
44:11
they w were willing to put the work in.
44:14
They borrowed the axe head because as
44:16
you can imagine that is the expensive
44:18
part. They got the axe head. They
44:21
started working and while they were
44:23
cutting down the trees it flew off into
44:25
the water. Now here's the thing. It
44:28
brought stress. They instantly started
44:31
crying. Oh no. They started panicking.
44:33
What are we going to do? See an
44:35
emergency fund. They'd have just been
44:36
like darn. Well go get some money out
44:39
the emergency fund. Yeah. But if you
44:42
don't have it
44:45
So the axe head goes down and they start
44:48
crying and they go to the man of God and
44:50
they say, "Man of God," and he, "What
44:52
are we going to do?" He said, "Where did
44:54
it fall? Where did it fall? I told you.
44:56
How you going to get out of where you
44:58
are if you don't know where you are?"
45:01
When did this thing start breaking down
45:03
for you? Y'all not having church with
45:05
me. When did you start making the bad
45:07
decisions? Right about that time that
45:09
you got that car. Get rid of that car.
45:15
I remember John, what kind of car were
45:16
you
45:17
driving? He done even forgot how you
45:20
would have had so many vehicles to be so
45:22
young. Well, he had this nice car he
45:25
bought, the Audi Q7, a grown man's car.
45:30
That's a older grown man's car. So, he's
45:33
riding around in it and he starts doing
45:35
his stuff. He knew he wanted to be at a
45:38
certain place by a certain age. That car
45:40
was expensive.
45:43
I ain't say nothing. Did you say
45:45
anything to him about
45:47
it? He
45:49
realized I'm spending a whole lot of
45:52
money to be about 25 years old.
45:57
$763 and what 95. See that thing scarred
46:02
him. It scarred him. He still remembers
46:04
how much it was. That's been two
46:06
vehicles ago.
46:09
But he was able to do it, but it wasn't
46:11
wise. Oh God, I wish I had some church
46:13
people in here. He said he was able to
46:15
do it, but it wasn't wise. It wasn't
46:18
moving him toward the goal he wanted to
46:20
go to. So he said, "You know what? Let
46:22
me take up my cross, turn this car in,
46:25
get me one that's about $300 cheaper,
46:28
and start moving toward Y'all ain't
46:30
having church with me." That's what they
46:32
He said, "Where did it fall in?" And
46:35
they told him, and this what I want you
46:36
to see. He took a stick. Yeah, that's
46:40
for my preachers right there. He took a
46:42
stick, a piece of wood,
46:46
a cross, and threw it in. See, you said,
46:50
"Pastor, I've been trying to get out of
46:51
debt for the longest. I've been
46:53
believing to get out." But you ain't
46:54
factored the cross in. You didn't factor
46:57
the fact that you know how to deny
46:59
yourself when you want to. You need to
47:01
factor the fact that you got God on your
47:03
side. You need to factor in the reality
47:06
that you know why you want to do it.
47:08
Now, they threw the stick in and the
47:11
Bible said the axe head begin to swim.
47:14
I'm trying to get you to see when you
47:16
factor in the fact that God's got a
47:19
covenant with you. When you factor in
47:22
that you were made to deny yourself so
47:25
you could have better later. When you
47:28
factor in the fact that God will breathe
47:30
on your obedience, I'm telling you
47:33
something getting ready to raise up for
47:35
you. If you'll factor in the cross,
47:38
nudge your neighbor, say, "Factor the
47:40
cross in." Cuz this is what I learned
47:42
about the cross. Whenever we die on a
47:45
cross, God gives us a resurrection. If I
47:49
can die to it right now, then in
47:52
about See, y'all ain't churching. You
47:54
want to holl at three days. in about 3
47:57
days. I don't know how long your day is.
48:01
It may take 2 years, but I'm coming
48:04
out with all power. I'm coming out with
48:09
more than I thought I could have. You
48:12
got to factor it
48:15
in. I'm telling y'all, I'm not just
48:18
trying to holler for Holla's sake, but
48:20
you got to factor it in. I don't care
48:23
what the circumstance looks like. Amen.
48:27
I'm not just in this by myself.
48:31
He walks with me. He talks with me. I
48:35
got the God factor on my life. And when
48:38
I throw the cross in, when I factor in
48:41
Jesus, when I factor in who he
48:44
[Applause]
48:46
is, the Bible says when they threw that
48:49
stick in, the axe head floated and they
48:53
were able to take it.
48:55
Look at what it said. Oh my god. It
48:58
said, "Take it up to thee."
49:02
And he put out his hand and took it. You
49:05
getting ready to get control of your
49:07
circumstance. Y'all don't hear what I'm
49:08
saying. You getting ready to get a grip
49:10
on this thing. You getting ready to grab
49:13
hold of it. I'm telling you, there's
49:15
another place God wants for you to walk
49:18
in financially. I wish I had some real
49:21
faithfilled people. Somebody getting
49:23
ready to grab hold of it. Everybody in
49:26
your family talked about it. But God
49:29
going to let you be the one to get your
49:32
[Applause]
49:37
hand. And all I can tell you, all I can
49:41
tell
49:42
you is there's no way I should be able
49:47
to live like I live and do what I do.
49:50
Come on now. But I factored the cross
49:52
in. It don't make sense if you just look
49:54
at me. It don't make sense if you just
49:57
look at Ba.
49:59
But if you factor in the cross,
50:06
[Applause]
50:09
I'm done. But I've told you we bought
50:11
that little spot. Bought a spot for my
50:14
parents. And uh they kept saying, "Are
50:18
you is you are you going to use it for
50:19
rental property?" I said, "No." They
50:22
said, "Are your parents moving up here?"
50:24
I said, "Probably
50:27
not." I said, "Cuz they don't want to
50:29
leave their house. They need to, but
50:33
they don't want to." They said, "Why are
50:35
you buying it?" I said, "Because here's
50:37
the thing. If something happens to one
50:40
of them, then now I'm in an emergency
50:42
situation. This place ain't but one
50:45
minute from my house that I ain't going
50:47
to get that opportunity again. Honey, I
50:51
got a handle on it. Hey, thank you,
50:54
Jesus. I went from always being scared
50:57
to open up bills. And it didn't happen
51:01
overnight. All night Thursday, I was
51:04
scared to answer the phone. All night
51:06
Friday, I still owed a whole bunch of
51:09
folk. all night Saturday. I wasn't sure
51:12
I was going to pay it. But
51:16
early
51:19
early Sunday morning, I got up with a
51:24
few dollars in my hand. I got up able to
51:28
do what God called me to
51:30
do. And it ain't just for me.
51:37
Oh, no. It took some time.
51:40
Ooh, but you talking about frolicking
51:42
now.
51:45
They laughed at me cuz I wore them same
51:46
pair of jeans.
51:49
Mhm. Sure did. I ain't shamed.
51:53
What? Why? Everybody was laughing
51:55
because I had on the same pair of jeans
51:57
and t-shirt. You're tucking a couple
52:00
dollars
52:01
aside. I wore my same black tennis shoes
52:03
so much. Bae named them.
52:09
He said, "Yeah, she got the Bishop Roses
52:11
on today."
52:15
No, that's what they did. Same truck, 10
52:18
years, same jeans, same
52:21
t-shirt. But guess who's retiring in
52:25
peace? I feel like Disney
52:28
World. Do you understand what I'm
52:30
saying? You said, "Bishop, I don't I'm
52:32
gone." Come on, walk with me, John. You
52:34
said, "Bishop, where am I? Time to get
52:36
started. Look in your house and see what
52:38
you can't sell. Sell some of that mess.
52:41
Some of us got jewelry. We ain't going
52:42
to never wear that jewelry. You ain't
52:43
going to wear that jewelry. Go get rid
52:45
of that stuff. Get that $1,000. Tuck it
52:48
aside. You say, "Well, I'm scared. I'll
52:50
spend it." Find somebody that, you know,
52:53
they'll get there. Find that aunt. She
52:55
ain't going to never give it back.
52:59
I'm just trying to get y'all to see.
53:01
Yeah, I know it don't seem spiritual to
53:03
you, but I'm telling you,
53:06
these are the kinds of lessons that when
53:09
you turn your love for Jesus and your
53:11
faith on these situations, God can
53:14
change it. I'm telling you, I'm a
53:17
witness of it.
53:20
He's faithful. Come on, Doc. Come on.
53:23
So, let's give God praise for his