Remove Debt And Build Savings – Freedom Found in Christ

This powerful teaching on financial discipleship confronts us with a profound biblical truth: debt enslaves us, but Christ sets us free. Drawing from Proverbs 22:7, we're reminded that the borrower becomes servant to the lender—a reality many of us experience through student loans, credit cards, and mortgages. The lesson challenges us to shift our mindset from ownership to stewardship, recognizing that everything we have belongs to God. When we truly grasp that our money, time, and possessions are gifts from the Lord, our spending habits transform dramatically. The wisdom of the ant in Proverbs 6 teaches us about diligent saving and planning ahead, storing resources during times of plenty to sustain us through seasons of scarcity. This isn't just financial advice—it's spiritual warfare against the instant gratification culture that keeps us trapped in cycles of debt. By implementing the simple principle of giving 10%, saving 10%, and living on the remaining 80%, we position ourselves to break generational curses and build lasting legacies. The journey from debt to freedom requires one person willing to make different choices, to say no to temporary pleasures in pursuit of eternal impact.

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Transcript

 All right.

Welcome back.

Welcome back.

Welcome back.

Ladies and gentlemen, focused, ladies and gentlemen, we're going to start coming up with a name for the folks that have been here every for all four weeks.

We are on week four of financial discipleship, where we will be discussing today the importance of getting out of debt.

And I will start off by just saying this from jump in many situations, because we do, we've talked about

 the topic every single, I believe it's come up pretty much every single week and where, you know, financial literacy is not taught in the school system.

So it's very possible that you inherited debt and you didn't realize it was that it was certain things were told to you in which you thought was, Hey, you're making a great decision, but you later on had to realize, no, this is actually costing you money.

So today we're going to break down what the word actually says about debt.

I mean, I remember, man, listen, I, again, I'll tell you guys, I tell you guys story after story, but

 there was a Bible study that I went to.

It used to be a men's only Bible study.

And at the time I was driving my dad's beat up car and I had to go in from the passenger seat.

It was an absolute mess, but I finally saved up enough money to go and get me a car that I can go through the front door.

So anyway, I left there and I went right to the men's only Bible study.

And I remember my pastor saying,

 God says we don't owe no man, owe no man.

So congratulations and rejoice with you, Aswan.

But at some point, you got to get to the point where you don't owe anything to anybody.

So I wanted to start off by explaining that to you because when you're talking about debt, it's very easy to have inherited it.

And now you got to recognize that you get to be that person in your family to remove it for a future generation.

So Aaron, let's do this, man.

Yeah, yeah.

 Yeah, thank you so much.

Great, great start.

Yeah, and so up and up into this point, recognizing God owns it all.

We are just stewards, right?

We are stewards of his time that he gives us.

We are stewards of his gifts, his skills, his abilities that he gives us.

And we're stewards of his

 material things, so cars, houses, properties, clothes on our back, right, all that, as well as his monetary.

And then if you have that mindset, then it's easy to give God the first and give generously, worshiping Christ through cheerful generosity, and then living within your means.

So stacking that budget we talked about.

 Last week, spending wisely.

So give first, spend wisely, and then remove debt and build savings.

And so I know we talked about give, save, spend wisely.

However, if you have some debt, which I have been in debt multiple times, if you have debt...

 You just have to remember that that percentage, that interest, that usury, right, that the Bible calls it, that interest is costing you money.

Now, there are plenty of people out there like the Dave Ramseys where it's like zero debt.

 You know, just give, save, spend wisely.

That's it.

You know, gazelle-like intensity talks about removing the debt.

But then there's other guys out there that are like, well, you can leverage it.

Do the math.

Do the simple math, right?

If you have this much of a percentage, let's say it's a 5% or it's a 10% of debt, but you can make 15% or 20%, they're like, yeah, at the end of the day, you should be in the black, not in the red.

Right.

 But if that's hard, if you're like, hey, I don't want to do calculations and configurations, then that Dave Ramsey plan is probably for you.

If you don't mind doing the calculations and you have great discipline and diligence, right, you could do the other plan.

I'm not the guy that's like –

 you know okay all debt is horribly wrong right i'm i'm okay with my mortgage as long as i'm able to put money in my retirement and things like that and that money is making way more money than it's costing me in interest on my mortgage at the same time uh credit cards right will eat you alive because typically that's going to be around 20 and so i think from that standpoint let's look at what the bible says

 about it.

Debt can enslave us, right?

But Christ sets us free.

Saving little by little shows wise foresight and trust in God's care, creating margin so we can respond to the needs and opportunities in ways that glorify the Lord, glorify God.

 Proverbs 22, seven, the rich rules over the poor and the borrower is servant to the lender.

Yeah, if you're not to be a servant to anybody, if you're not to be slave to the lender, then best you get out of debt, right?

Proverbs 21, two, there's a desirable treasure

 and oil in the dwelling of the wise, but a foolish man squanders it.

And that's more talking about the savings, right?

That they've put aside oil so that they can eat, so that they can have light when it's dark.

And in Proverbs 13, 11, wealth gained by dishonesty will be diminished, but he who gathers by labor will...

 And there's two others, and I'll get to the ant in a little bit, but I figured just stop there and kind of reflect, hey, what's your situation like?

I'll tell you right now, if you are moving in the right direction, whether it's gazelle-like intensity or not, what you will notice, what I try to look at is, look at the snapshot of the interest that's being charged to you

 And if you can accumulate that, if you can add that all together and see as you pay off that debt, that interest amount gets smaller and smaller and smaller.

And I think that's the unseen, the unthought of cost when in the immediate moment, I'm like, man, I really have to have this thing, but I don't have money in my account.

I didn't put my dollars towards this when I did my budget.

 I don't have money in my savings.

I don't have money in my checking to be able to pay for this.

So I'll just swipe this card.

And you don't really think about swiping this card, right?

The instant gratification creates a consequence later on down the road.

I was telling my, I teach logic at a-

 school at a Christian school.

And I was telling my students this week, I was like, well, you either do the work now in discipline and diligence, or you're going to be forced to do the work later on.

Right.

And, and, and that's in whatever it is like, think about it in sports.

If I don't, if I don't go to practice and then I show up at the game,

 man, like my team's going to need me and I'm, I'm either not going to be able to be played because I didn't show up to practice or I play and I don't play that well.

I can't play as a team.

I don't know what's my skills aren't sharp.

Right.

And so, and so I'm actually, I'm actually creating a problem, a burden.

And so then that work is, is costing me more in the long run than if I would have just showed up diligently and disciplined to practice.

 Right.

And it kind of goes back to just wanting this quick fix.

And I'm going to be speaking about this throughout the week.

So this week, I have a theme on my channel.

We're going to be talking about are you set up?

And what I was told right out of college is that by the age of 25, you've got to have everything figured out.

 Got to have the house, got to have the wife, you got to have the kids, you got to have all of it figured out by 25.

So I put a ton of unnecessary pressure on myself.

And it taught me a whole lot.

Again, I lost car repossessed, phone gone, credit score was probably in the negatives if we get to the negatives.

Yeah.

 But what I realized is the the need for this instant gratification is what's poisoning our young people.

It's poisoning you guys because you get that piece of paper and all of a sudden your mind is like, OK, now I have to just start accepting things.

Now the work is finished, quote unquote.

But when you look at that first verse, the first verse really hits home because I still pay student loans to this very day.

 The rich rules over the poor and the borrower is a servant to the lender.

You are now a servant to those student school loans.

You are a servant to that college education where, I mean, yeah, you can call it education, but it was so much of me playing football and learning the things that I learned through the connections I had on the team that I, I mean, listen, there were professors that were there that they just had a stable, a secure job.

They put on a movie and all of a sudden you get to give the person a degree.

And that happens in a lot of different schools.

So,

 So when you, if I would have heard that verse before, and I want to make sure I'm clear, I'm not blaming anybody else for this.

This was all on Aswan.

Hey, could have applied himself better, could have done so many things better when it comes to my academics in the classroom and just kind of like love football, but

 hey, let's focus on your academics and things like that.

But I wasn't paying for it.

It was my parents paying for it.

When you realize, hey, borrow as a servant to the lender, you realize if you're borrowing money for this college education, you're a servant to it.

And you have to get to a point now where you can pay off those student loans and you don't owe anybody anything.

So that's why that verse, man, it hits home because I know for a fact I'm not the only one in that situation.

I mean, I

 I work with high school kids now, you know, this is graduation season.

So they're all figuring out what they're going to do with college.

And, you know, I have one, they had a Florida pee pay.

This one, the fast was not going through all sorts of things they're going through in terms of just getting a college education paid for.

And I'm looking at them like, Oh,

 How was you just a couple years ago?

Maybe go learn a trade.

Go learn something.

Make sure you're able to do something that you can apply because you just don't want to keep getting yourself in the debt over something that is just, I'll be honest with you, it's not worth it if you don't know what you're doing.

 Yeah, no, that's a hundred percent.

I think about this a lot.

So I, I owned a gym in Southern California and then I ended up, yeah.

And then I ended up selling it.

I, I owned a fitness education company and then I ended up selling it.

And then I did like a succession plan for the, for the company that I sold it, sold it to.

And I'll tell you what,

 when I own that brick and mortar gym, 95%, 90, maybe 90% give myself a little bit of credit maybe.

But 90% of the time I became slave to, to that gym.

I became servant to that gym and not in like this servant leader way.

It was like, I had to, if I didn't show up, then I wouldn't be able to pay the bills.

I wouldn't be able to pay the rent.

I wouldn't be able to,

 and so instead of you know everybody has this grandiose idea of entrepreneurship where it's like oh and and all these people were working and everybody's working to glorify the lord and everybody's uh joyful and everybody's happy to be there and stoked um it it felt more like everybody had to check the box if they didn't check the box

 and and for me specifically i can't speak to them you know i'm sure and there were great moments in there like a lot of moments interpersonally where i was like hey i'm really actually serving this person in this moment but by and large generally over the top it was like if if i don't show up then this thing crumbles and then i'm gonna owe a bunch of money to a bunch of different people who

 Whereas if I wouldn't have, if I would have thought about it like the second business where it's like, okay, think with the end in mind.

Like I would love to feel like I'm serving people and I'm glorifying the Lord through this work.

And then design the business model, design the paychecks, design the cost, design what you're going to do.

But there's no way you can't do that if you're in debt.

 Because you have to pay that bill.

Or I guess, you know, you could just say, I'm not going to pay it.

I'm going to go bankrupt.

I'm going to, you know, chapter 11, this thing.

And then you have to deal with those consequences from doing that.

Yeah.

 It gets tense like that, that environment.

And speaking as a person that was on both sides as the employee and the client, those environments, it just sets a bad precedent.

The morale of the place, you know, whether you're the trainer not knowing where you're going to get the next job.

 line from where you're the person coming in for a workout you want to forget about that problem you want to forget about it and if you're the owner that's establishing that presence that i gotta pay this i gotta pay this and you're chasing people down i want my i gotta i mean i dealt with so many different gym owners there's one who would come in and just collect money like i i had a good day i collected like 25 25 dollars today i'm like

 Your environment, especially in the fitness industry, it's so important that you really set the pressure.

That is not an easy business to get into.

 Yeah.

Yeah, exactly.

Yeah.

So it's easy in terms of low barrier to entry, but hard in terms of actually having purpose and doing it well and making a living where you could pay your bills.

That's absolutely true.

And so then I got to reconfigure, okay, how am I going to do this next business?

And it's like, I'm going to start with, I'm going to make sure we're going to start inside of our means.

We're going to stay inside of our means.

We're going to keep

 you know, a 30% profit margin.

If we keep a 30% profit margin, then every day I'm not thinking about, oh, I have to get this client.

I have to get this customer.

I have to get this person.

It became like, I get to go and serve this person.

 and glorify the Lord through the work that I get to do.

I get to make this video and edit this video to serve a bunch of people.

And man, it just totally changes the aroma, the feel, the joy that you get to experience in the work versus, man, if I don't do this, that chain's gonna get tight and it's gonna suck me into that pit, you know?

 Yeah, and that's important for anybody that's listening in.

What Aaron just showed is the difference between having a financial literate, like a legitimate literate mind versus someone that's just opening up a business because they're passionate about it.

Your foundation has to be, and it's the same thing as life.

I was listening on the way, I'm in Miami now because I had a 5K, but on the way from, I was in Palm Beach to Miami,

 I was listening to Myron Golden.

He was saying, if you can really think about living off 70% of your income, giving 10% back to God and having a 20% as just sitting there growing, that is a selfless mindset, all right?

It's a selfless mindset because it's the same thing in your business to where let's figure out how we can take a percentage of what we're making, use that to operate the business and then allow other percentages to go to other places.

Too often, too often,

 the people get into the business, get into business and they ruin everything.

They, I mean, they stopped thinking about the families.

I think about all the things that God has blessed you both because of your ego.

All right.

I've seen that too much.

Like because of your ego, just because you can, just because the money's about, and I love, I love my family.

I ain't gonna, not going to say the name, but I love my family members.

I do.

I love you guys very much, but you would know exactly what I'm talking about.

If you listen to this, there was a time,

 where I remember we were, I was in, let me not say the state, but it was up north, northeast.

I won't say the state, but you know who you are when you hear this.

We were, he picked me up to do something.

And long story short is he just checked his bank account and came back home with a brand new car, used car, brand new car, just checked his account.

I was like, no, no, don't do that.

I mean, you had so many situations that you were going through, your kids growing up and all sorts of things.

 And now you figure out just because you have it in the account, you checked it, got it cash.

And now you have some used car that wasn't even necessarily wasn't even tuned up right or inspected, wasn't inspected anything.

You just fell in love with it.

I'm like, no, no.

 Don't do that.

Do not do that.

Don't do it.

And again, this was back when I had got my car repossessed.

So I had just lived through something.

I'm like, all right, man.

But I bring that up because of how easy you think you can get certain things when you see it in the bank account.

That's not yours.

Again, first of all, it's God's.

It's God's.

It's a blessing from God for you to have that.

Now, when you expect that, when you understand that, let's be careful with how you spend it.

 And if you get a hold of this, folks, let me just I'll close you out.

I'll give you the mic.

You get a hold of that.

It's not yours.

It's God's.

You will not have the disrespect.

You will not disrespect.

Oh, the only thing you're going to spend money on is the things that are giving you a return so you can give more money back.

I mean, you could look at the things I spend my money on.

It's all running apparel.

It's it's stuff that I can at some point get back and sell back.

It's all investments at this point.

 Yeah.

No, that's great.

And that's a great caveat or shift to the Proverbs 6, 6 through 8, where, you know, he talks about go to the ant, you sluggard.

So he talks about the person.

And I would even say, you know, sluggard, the lazy person.

But I would even even say sluggard.

 That dishonoring person, right?

That person that has their priorities mixed up.

Go to the aunt, you sluggard.

Consider her ways and be wise.

Witch, having no captain, overseer, or ruler, provides her supplies in the summer and gathers her food in the harvest.

 And the ant has food, you know, the ant and the grasshopper, great story, right?

They even turned it into Bugs Life or whatever, right?

But it's such a good story because, man, the ant is saving and saving and saving.

And then we'll be able to last through the winter and beyond, whereas the grasshopper is going to fade away and die.

And that's just because the grasshopper is just...

 eating as he goes along or she goes along.

And then when they run out, when there's no more grass, it's like, oh shoot, I didn't save anything.

Meanwhile, the ants are diligently taking care of their home, storing food away.

And so that's, I mean, that's such a great and easy, it's easy to understand

 It's our psychology, it's our mindset.

And I know you've talked about that a ton on the past shows and on the past lessons where it's like, man, if you just shift that mindset and seeing yourself as a steward is such a great way.

It's like, hey, this isn't mine.

I've been gifted this.

Okay, Lord, how do I glorify you?

What is the wisest, best way for me to spend this dollar, for me to spend this 100, for me to spend this 1,000?

 for me to spend this 10,000.

And then man, that you slow it down just enough.

Take a breath, pray to the Lord, a give me wisdom, give me discernment.

And then, and then you make that step and you cannot go wrong.

If you're following the words advice, right?

First you give, then you save, right?

If you have debt, you should save enough for an emergency fund, pay down that debt, right?

 pay it off and then continue to save diligently.

And then with the money that you have left over, if it's, and that's what our household goes off of.

It's 10% tithe, 10% save, 10% invest.

Or if we have debt, then 10% goes to our debt.

 And then at 70%, we're trying to spend wisely.

And I would love to be the wealthy person that one day 30% is just going to my spend wisely piece.

And then I can really...

 grow the kingdom of the Lord.

I'm going to pay for this ministry.

I'm going to pay for that church.

I'm going to pay for this guy who's doing this business that's helping these families.

Right.

And you think about that freedom, truly, it truly is freedom to live

 on God's word, on his path, right?

That is what creates freedom.

It's slavery and prison and all that is when we're get, get, get, get, get, get all right now, not thinking about how to steward it well.

And then all of a sudden, oh, shoot, now I owe all these people money.

Now I have to go work.

I have to go do this in order to be able to pay off all that stuff, right?

Exactly.

And I would take it further because I...

 I really want to make sure I'm clear what I'm telling you guys.

This is not something that you necessarily going to get into on your own.

All right.

This is something that was not taught or not emphasized.

Your family members, again, I think it was A-Rod, A-Rod, the baseball player.

I remember listening to him on the radio.

 Was it the Pivot podcast?

This was years ago.

And his portfolio in real estate is amazing.

Again, obviously, it's A-Rod.

He's done some great things.

But he said something to me that said something that stuck, where most people think their house is an asset.

And it's not an asset necessarily.

It really is depending on the situation.

Anything that's taken money out of your bank account and

 costing you is not necessarily an asset.

It can become a liability if you don't structure it the right way.

And then years later, when I became licensed myself, the person told me, hey, don't buy that house without life insurance.

Don't buy that house

 without having certain things to make sure you're protected.

Because yes, it's a good reason to go into debt.

Obviously you need a place to stay, but God forbid you become, like we've mentioned on the show several times, house poor and something goes on in that house.

And next thing you know, you're a couple of years go by, you have to give it up.

You're on foreclosure because all of this money was spent and then something happens to where you owe so many people.

You owe the roofer, you owe the plumber, you owe the...

 You owe the people that's doing the electrician work on your house.

You owe the couches.

I remember those front of my, you're still paying for a couch because you had a couch on a payment plan.

And these are the things that you got the house because you wanted to look secure.

You want to look and you want to feel secure.

But the truth is just like the ant, you didn't spend the time to stack and stack and stack and stack.

 When the rainy days come and things happen, you have nothing left.

You don't want to put yourself in that situation.

It is a painful, painful reality.

In fact, just last week, Robert, one of my favorites, man, one of my favorite gurus in terms of the financial industry is Robert Kibishaki.

Rich dad, poor dad.

I read it and I was blown away because it was after I graduated college and it was the first time I even heard the term.

 assets and liabilities.

I can resonate with him so much in terms of that father.

My father ran his own business, but then I also had coaches and mentors, people that were teaching me, hey, it's not about can't afford this, but how can you afford things, right?

So I caught a video of his this past week where he explained the cash quadrant where it's employee, self-employed, it's EB, business owner or investor.

And he made it very clear

 You were never meant to pick one.

I mean, you could be all four.

You were never meant to say, okay, I'm an employee.

So now I have to go be an investor.

No, you can be an employee and an investor and a business owner and a self-employed person all in one.

It's just about where it's flowing.

 And are you doing the work?

I mean, he used the example of a firefighter that's working two days a week, but he's spending so much of his time studying lease and properties, studying this, studying that, where so much of his investments where he could afford to work two days a week, but he didn't give up his employment.

But he's still a business owner, still investor.

All of these things can happen.

And too often does the world like to distract us from all of that stuff.

So.

 Yeah, there's another book called The Millionaire Next Door.

And it talks about the occupations.

Like, interestingly, there's, you know, there are some millionaires.

Now, a lot of the occupations typically are like engineers, people with analytical minds.

But there are others.

There was like a waitress.

 And she was a millionaire.

And she was a millionaire just by the simple fact that she was diligent with her savings and just was frugal, lived within her means, made sure she saved and invested every time she got money.

 And then the other interesting aspect of it is typically the millionaire will leave an inheritance to their children's children, but it's their children's children that typically will spend that if they don't learn the skills that that millionaire learned, right, to become the millionaire.

So if they didn't learn diligence, if they didn't learn frugality.

And so that's something, you know, just like we were to talk about

 um god's law right have it have it on our mind talk about that day and night uh to our kids coming and going um follow christ in the greatest commandment so he's saying yeah follow these laws in the sermon of the mount he's amplifying the laws adultery is now lust right all this stuff and so it's the same thing like with if we're raising our our children right we're raising them up

 in these spiritual truths that where their salvation is, right.

It's through Christ, Christ alone, faith alone, through his grace, grace alone.

And so through scripture alone, right.

So all of these things are, you know, we're going to teach our kids these spiritual things, but a lot of times the father isn't then teaching their sons how to protect their

 loved ones how to provide for loved ones how to work hard uh teaching their daughters the same thing how to be a proverbs 31 woman how to be diligent with the time that she has how to spend the time god has gifted her wisely and so and so then it's the third generation then spins all of that wealth that you just handed down because you handed down the wealth but you didn't hand down the skills and abilities and mindset

 to earn and keep that wealth.

Whereas there are other families, there are other generational inheritances where it actually grows.

And man, if you think about compound interest in the stock market or Bitcoin or whatever investment you invest into,

 Take that and times it by 10, four generations, because that compounding will happen within our lifetime.

But if you think about it, if it could span three generations, it is mind boggling, the amount of inheritance, the amount of wealth.

And so then in turn, the amount of kingdom building and the amount of glorifying God through that money, as opposed to loving the money and wanting to keep the money,

 It's, hey, no, I'm using the money as a tool to continue to build an inheritance to... I want my children to say the same thing.

I want to build an inheritance for my children's children, which is then, you know, beyond a third generation, beyond where I'm even thinking in terms of inheritance.

So just some... And it starts with that...

 Hey, if I get three, you know, or if I get ten dollars, it's like one dollar goes to the Lord.

Right.

Thank you, Lord, for the for the ten dollars that you've gifted me.

Here's a dollar.

Right.

One dollar goes into savings and then the rest is is why spending or if you can.

And then the third dollar goes into investment.

Right.

And then the rest is why spending.

So the amazing part about what you just shared was it took one waitress.

 It's a one waitress.

It's a one person deciding.

And so the Making Millions Conference, which we started where I was when I started these, when we started these lessons, the lady, her name is Tiffany Montgomery.

She was a single teenage mom by herself, living by herself.

And she was able to figure that out.

It takes one person.

 person guys if there's one person to simply decide start saving and you can break generational curses by simply i don't want to go to happy hour tonight i don't want to go to the club this week and i don't have the funds for this new pair of shoes or the these these new clothes i don't have any

 and just say it be humble enough to say right now i don't have it because i'm trying to do something better with my life or i don't want to party i got i saw this new property on my way home from work and i want to go study it i want to recall somebody and see exactly how much i got to put down if i could save that and then figure out a way to have a conversation i mean

 Listen, this 2026 and beyond, you do not have the excuses of just not knowing.

There's tons of people that you could be stared the wrong way.

I can understand that.

But you don't have the excuse of not knowing because there's tons of people out there that can provide some resources.

You can ask the right questions.

You know what the right things are to do.

You're going to be sitting in that bar having your fourth martini and spending whatever it is you may get your job and then wondering, well...

 It's the reason I'm not getting it.

The reason my kids aren't listening.

We're not moving for a reason.

I got to move back home.

And once you're on that fourth one, I'm telling you from experience, it's because the decisions you're making, stop making them, start deciding, I want something better for my future.

I can't say it any plainly than that.

Debt is not a good thing.

And I know what you said.

I know what...

 He was shocking.

And they ran a lot of folks out there that they're telling you that because they've already predetermined what's an asset and what's a liability in their own life.

That's a good thing because they know, hey, that's going to make money.

So, yeah, I'm going to say I'm going to go into debt because I'm going to make a certain amount.

These are these are professionals that are highly skilled, really smart about what they say and what they do.

 But if you're starting off, trust me when I tell you, you want to be in a situation where you're seeing the credit score go up, the debt be erased and something that's duplicatable system driven that you can give and teach to somebody else.

It doesn't have to be your kid, but it does have to be something that you can teach to somebody else and say, let's create a multi-handed system driven income and then go from there.

So.

 That's good.

And so, yeah, I would just love to finish with some good application.

So the application is this.

It's simple.

Consistently, constantly, in discipline, with discipline, with diligence, like the ant, reduce debt and build an emergency savings first.

 And then when the debt is gone, then you can go from emergency savings to something like a high yield savings account.

And even have, hey, I have a month of emergency savings here.

And then I'm going to be building my three to six to nine month savings over here.

But I'm going to be building it in something that's going to make money, that's going to beat inflation because inflation will crush you.

 right but yeah but you're doing by the way that trip from west palm to to miami paid five dollars for gas by the way five dollars so and it's gonna have a spot a lot but so i mean it cut you out but i'll have to make sure no that's no that's hey that's that's we're all feeling that right now i'm

 I filled up my truck and I was like, $147?

What is happening right now?

Yeah.

And yeah, anyways.

But yeah, so consistently reduce debt and build emergency savings as an act of faith.

Faith in God's promises, right?

It's in his word, right?

We can rely on his word depending on Christ rather than financial crutches, right?

Like credit cards and things like that.

 Once you have an emergency savings account, then save approximately three to 12 months worth of expenses.

And it's probably wise to put that in some sort of an account where you won't lose the inflation, high yield savings, et cetera.

I mean, that's really, ultimately, that's the two things that we're talking about today is getting rid of debt and building savings.

 Well, I was going to say, and don't forget, Aswan's there, right?

Click the link, check him out.

He's there to give you some personal advice in how to protect and how to make sure you're keeping the assets that you have as opposed to

 you know, worst case scenario, medical expenses or, or, or something bad happens, you lose your job or whatever.

And then now, okay, now it's a, now it's a liability.

It's not an asset anymore.

So yeah, hit that, hit that Calendly link for Aswan, hit him up.

He will, he will gladly give you some, some advice.

 Exactly.

Looking forward to hear from you guys.

We are, man, it's gone by really quick, man.

But we got what, five and six.

So we got three more classes left, but it is gone.

That's right.

It's been great so far.

So looking forward to next week.

Yeah.

Next week, invest faithfully and productively.

Then we'll talk about work specifically, vocation, diligence and honesty in that.

And then seeking wise counsel at the very end and trusting God as provider, which is what we're doing this whole time.

So thank you so much.

 Amen.

Amen.

I'll talk more soon, guys.