[SPEAKER_00]: My last week, I had an opportunity to speak at my church, Union Church, one of the best churches in the United States of America, better yet the world.
[SPEAKER_00]: And I spoke from a subject of I'm working too hard for this.
[SPEAKER_00]: I normally don't come on the podcast and normally on the show to have a conversation about what I talked about at church, but God really gave me something that I believe that I need to break down even more for the body of Christ.
[SPEAKER_00]: So today's episode is going to be a little bit different because this is specifically speaking to Christians, people who believe in God on how we need to handle our finances.
[SPEAKER_00]: I'm going to link the sermon.
[SPEAKER_00]: I really want you to go back and to watch the sermon, because that's going to be a little bit more spiritual, more heavy on the scripture, right?
[SPEAKER_00]: And today I'm going to break down the scripture, but I really want to break this down even more, because one of the biggest things.
[SPEAKER_00]: that I struggle with within a financial literacy space, within a personal financial space, as a Christian is I'm always dealing with Christians, like I'm in churches and I'm at conferences.
[SPEAKER_00]: And sometimes I get to push about like, well, I don't have to have a budget because I prayed and I believe and I don't have to have the perfect correct score because I just prayed and I'm believing it, I have faith in God.
[SPEAKER_00]: And over the last 15 years, I've been struggling with that statement as a Christian.
[SPEAKER_00]: Like, is there, like, God, why in the world do I just hear so many broke questions saying I'm praying?
[SPEAKER_00]: I'm praying.
[SPEAKER_00]: They're speaking in tongues.
[SPEAKER_00]: They're quoting scripture.
[SPEAKER_00]: They're believing God for the miraculous and I'm like, God, but this is why they're broke.
[SPEAKER_00]: this is why they're broke and he brought me over to Haggai and gave me something that was amazing that I believe as Christians when we're dealing with our finances, we got to look at our finances through the faith lens.
[SPEAKER_00]: Let's go over here to the scripture.
[SPEAKER_00]: I'm Haggai, chapter one.
[SPEAKER_00]: and add put this up on the screen so they can see it some kind of way.
[SPEAKER_00]: Hi guys, I've been one of verse five.
[SPEAKER_00]: I'm bringing from the NAB version.
[SPEAKER_00]: Now this is what the Lord Almighty God says.
[SPEAKER_00]: Give careful thought to your ways.
[SPEAKER_00]: Pause right there.
[SPEAKER_00]: That's verse five.
[SPEAKER_00]: Give careful thought to your ways.
[SPEAKER_00]: Hey, what God is saying?
[SPEAKER_00]: Hey, yo, you need to really think carefully about what you're doing.
[SPEAKER_00]: You need to think carefully about what you're doing.
[SPEAKER_00]: with your money, with your life, with your business, with your mind, with your relationships, God is saying, hey, whoa, wait a minute, wait a minute, give careful thought to your ways.
[SPEAKER_00]: Why?
[SPEAKER_00]: Because you have planted much, but you've harvested almost nothing.
[SPEAKER_00]: Uh-oh.
[SPEAKER_00]: So what you're
[SPEAKER_00]: Wait a minute, you're going grocery shopping, but you don't have enough money to buy the things that you really need.
[SPEAKER_00]: Give careful thoughts to your ways.
[SPEAKER_00]: Uh-oh, you drink, but never have your cup filled.
[SPEAKER_00]: You put on clothes, but you still want.
[SPEAKER_00]: You still not want, you cold.
[SPEAKER_00]: Now here is where we're gonna live at today.
[SPEAKER_00]: You earn wages, you get a paycheck, only to put them in a purse, and a bank account with holes in it.
[SPEAKER_00]: What is this saying that you can believe in God?
[SPEAKER_00]: You can honestly love God.
[SPEAKER_00]: But if you're not looking at your money through the faith lens, you're going to be broke.
[SPEAKER_00]: Because you're going to get the check, and when you get the check, you're going to put it into your purse ladies.
[SPEAKER_00]: You're going to put it into your wallet, brothers.
[SPEAKER_00]: You're going to put it into your bank account, and this is going to go through it because you have holes in it.
[SPEAKER_00]: And I said, well, God house is even possible.
[SPEAKER_00]: If people of faith are believing in you and trusting you and quoting scriptures and praying and believing in God said, that's the problem.
[SPEAKER_00]: There still is a practical side of the finances.
[SPEAKER_00]: So God gave me this faith framework.
[SPEAKER_00]: that I'm breaking it down today.
[SPEAKER_00]: But we just created this community called the Freedom Circle community.
[SPEAKER_00]: And we're going to be revealing that more of how you can join this community of like-minded individuals who went financial freedom and how we're going to hold each other accountable and how we're going to meet meeting by weekly and having conferences and really walking through you some more on that to come because I really break down the faith, framework, and side of that.
[SPEAKER_00]: But today I'm going to break it down for you.
[SPEAKER_00]: Two parts of faith.
[SPEAKER_00]: Faith is believing as something that you cannot see, that you trust God enough to believe that He could do the miraculous.
[SPEAKER_00]: But the scripture also tells us that faith is great but faith without words practical is dead.
[SPEAKER_00]: So God gave me the faith framework and I'm going to break down what this each letter in the word faith mean when it comes to our finances.
[SPEAKER_00]: I want you to get that first, because here's, here's what you should understand.
[SPEAKER_00]: God isn't trying to give you a bigger bag.
[SPEAKER_00]: He's not trying to give you a bigger account, what he's trying to do is close the holes that is currently in your life right now.
[SPEAKER_00]: And one of the holes that we have in our life is that we're not giving God his first.
[SPEAKER_00]: Listen, I don't have a church.
[SPEAKER_00]: You're not tied into me.
[SPEAKER_00]: You're not tithing and it benefits me in my company.
[SPEAKER_00]: No, I really want you to find the local church inside of your community and give.
[SPEAKER_00]: We gotta get off the internet because it bothers me when I hear people, attack pastors on the tech churches who are raising offerings, who are raising seed offerings.
[SPEAKER_00]: Because man, since I've left,
[SPEAKER_00]: Um, um, my previous situation, I have been a faithful, tied giver, and I want to give you all something that I couldn't say on stage, but that I could say here that if it wasn't for me tithing, if it wasn't for me sewing sees into my pastor's lives, into other pastor's lives, into the church, watches, and to people.
[SPEAKER_00]: I would not be where I am today.
[SPEAKER_00]: y'all for it for a season.
[SPEAKER_00]: I couldn't talk about certain things.
[SPEAKER_00]: I couldn't do certain things, which made my money actually start off low when I transitioned out.
[SPEAKER_00]: And one of my mentors came to me said, man, this is the season where you got to trust God even more.
[SPEAKER_00]: Yeah, it was either the time when you was making two, three, 400,000 dollars a year.
[SPEAKER_00]: But when you're only making $2,000 a month, it ain't easy to tie.
[SPEAKER_00]: It's like, but this is the test.
[SPEAKER_00]: This is when God sees who do you really rock with.
[SPEAKER_00]: This is when God sees who do you really trust.
[SPEAKER_00]: And what we tend to do is when things get hard, we tend to trust what we can see, but then yet we want to say we're faithful people.
[SPEAKER_00]: But how in the world are we faithful people?
[SPEAKER_00]: How?
[SPEAKER_00]: And God is not the priori.
[SPEAKER_00]: He gets our leftovers.
[SPEAKER_00]: But then yeah, we want to get on our nerves when things get tough, when things get rough.
[SPEAKER_00]: And when our bank account is low and when we lose our job, what's the very first thing we do?
[SPEAKER_00]: We get in our cars and we cry and we pray out to God.
[SPEAKER_00]: But our actions do not match our works.
[SPEAKER_00]: We're praying God, God, God, God, but then when we get the money, where's God at?
[SPEAKER_00]: Nah, Bank of America, Wells Fargo, Louis Gucci, I'm groceries, food, restaurants, dates, girlfriends, boyfriends, hair, nails, makeup, shoes, you name it.
[SPEAKER_00]: They go before the God who we just pray to ask God for the fun.
[SPEAKER_00]: Bam, you all know I'll talk about building mode.
[SPEAKER_00]: Paying off debt, saving that emergency fund, finally getting some margin within your life, right?
[SPEAKER_00]: But here's something I do not talk enough about, and honestly, about what happens when someone else tries to take what you've worked hard for.
[SPEAKER_00]: We'll talk to Noah God just recently.
[SPEAKER_00]: I was doing everything right.
[SPEAKER_00]: No dead, solid credit.
[SPEAKER_00]: And one morning, he gets a text that looks like his bank.
[SPEAKER_00]: Hey, suspicious activity in your account, can you please confirm it to you?
[SPEAKER_00]: He clicks it.
[SPEAKER_00]: And within a matter of about 20 to 30 minutes later, about 15,000 are going from the savings.
[SPEAKER_00]: See, that's not just a story by being careless, but it's not going to be wrong.
[SPEAKER_00]: That's just where we are now.
[SPEAKER_00]: The FTC says that Americans lost almost 16 billion dollars in the raw value.
[SPEAKER_00]: Scammers don't need you to be rich and we say what they need, distractions just for a split second.
[SPEAKER_00]: That's why I have to tell you all about my friends and cover-up.
[SPEAKER_00]: It's not just another app that watches your credit.
[SPEAKER_00]: The cover-on monitors the dark web for your information.
[SPEAKER_00]: Alerts you the moment something looks all and this is the part that matters.
[SPEAKER_00]: If something goes wrong, egg.real financial back in behind.
[SPEAKER_00]: Up to $2 million for identity theft recovery.
[SPEAKER_00]: up to $10,000 if you lose your money to a scan.
[SPEAKER_00]: Plus, real people that walk you through step by step on how to fix it.
[SPEAKER_00]: For as low as like $2,99 is as a month, depending on the planning issues.
[SPEAKER_00]: So listen, you didn't build this margin just a handed to a stranger overseas.
[SPEAKER_00]: Protect your money.
[SPEAKER_00]: And protecting your money is a form of stewardship to you.
[SPEAKER_00]: Check out my friends at cover-on for the AnthonyOno.com for a test cover-on to link with the inside of the show description.
[SPEAKER_00]: Listen, go set it up today.
[SPEAKER_00]: Do not wait for something to happen.
[SPEAKER_00]: Prepare your set today on where I'm going to set it best.
[SPEAKER_00]: It's not a matter of, if it's going to storm, it's just a matter of blame.
[SPEAKER_00]: And the truth of the fact is, you're all,
[SPEAKER_00]: We're going to experience this one at two times throughout our life.
[SPEAKER_00]: Protect yourself.
[SPEAKER_00]: It's cheap.
[SPEAKER_00]: Check them out.
[SPEAKER_00]: And here's what I've learned.
[SPEAKER_00]: I said this in the sermon, you got to go back and you got to watch it.
[SPEAKER_00]: That whatever sits first in your life, it is going to set up either a blessing or a curse for West after that.
[SPEAKER_00]: So if God is first, watch this.
[SPEAKER_00]: God now has to get the glory for everything that's behind him.
[SPEAKER_00]: But if God is not first, he doesn't have to get a glory of that.
[SPEAKER_00]: So I was like, okay, wait, wait, wait, wait, wait, wait, wait, wait.
[SPEAKER_00]: I said, God, I'm gonna trust you.
[SPEAKER_00]: And for an almost three and a half months, I wasn't making that kind of money.
[SPEAKER_00]: Blah, I was still on line, smell it.
[SPEAKER_00]: I was still on line dropping shows, but at the whole time, when the inside I'm sweating, I'm nervous, I got team members who transitioned with me, who believed in me and I'm borrowing money from, not borrowing money, Lord Jesus.
[SPEAKER_00]: I'm pulling money from my savings account and I'm not seeing my checking account and go up.
[SPEAKER_00]: But I trusted him.
[SPEAKER_00]: Because I believe,
[SPEAKER_00]: that if I trust God, he could be the greatest, the greatest multiplier ever, ever, ever.
[SPEAKER_00]: And so, what I want to challenge you all today on today's episode, hear me clearly, because that's be real.
[SPEAKER_00]: Y'all, you paying your time doesn't benefit me at all.
[SPEAKER_00]: You, you given the church money, does you ain't given me no money?
[SPEAKER_00]: And y'all, man,
[SPEAKER_00]: I'm going to say this, especially, but we got so many, so many people have a microphone today who don't deserve a microphone, who do not understand the power.
[SPEAKER_00]: of being obedient to what the Word of God says.
[SPEAKER_00]: And the Word of God talks about sewing seeds.
[SPEAKER_00]: The Word of God talks about giving time.
[SPEAKER_00]: The Word of God talks about giving offerings.
[SPEAKER_00]: The Word of God talks about being generous.
[SPEAKER_00]: So anybody who's going after pastors because they spend enough time or they spend time teaching this principle and saying, hey, God says, so this I believe you believe that God can tell the pastor,
[SPEAKER_00]: to tell his people to sow a sea for a thousand, to sow a sea for 500, to sow a sea for 5,000.
[SPEAKER_00]: But when God is talking to the pastor, if you do not have the seed, God ain't talking to the pastor for you.
[SPEAKER_00]: There's been several times I've said in the church, and I heard the pastor say this, I'm not, well I ain't got it.
[SPEAKER_00]: I got genuinely don't have it to give or to sacrifice.
[SPEAKER_00]: So that's not for me, but can I be honest with you?
[SPEAKER_00]: where God spoke to the pastor and watched this, God even spoke to me.
[SPEAKER_00]: I want you to give a hundred dollars a day.
[SPEAKER_00]: And at that season, my life, a hundred dollars would have stretched me, but watched this, it would not have put me in jeopardy to not be able to pay my bills, but it would have took money away from me to do what I wanted to do.
[SPEAKER_00]: And that was the sacrifice that God was calling me for.
[SPEAKER_00]: Because he wanted to see him, I'm going to put him first before my flesh lead desires.
[SPEAKER_00]: And I'm going to put him first before what I desire.
[SPEAKER_00]: So today, I want to challenge you.
[SPEAKER_00]: Man, if you don't have a church home, I want to personally invite you to Union Church.
[SPEAKER_00]: We have six locations in the DMV area, two locations and Charlotte, but we're online.
[SPEAKER_00]: And I firmly do believe that if you can trust God with the first 10% if you can stretch yourself to trust God with the first 10% watch him multiply your 90 because right now you're keeping the 100 thinking that's good but what if guy can make 90% more than what your 100% was?
[SPEAKER_00]: I'm going to challenge you this week, this week, just step on and give guys 10%.
[SPEAKER_00]: I'm not a prophet.
[SPEAKER_00]: I'm not going to say you give God 10% today.
[SPEAKER_00]: You're going to have a check in the mail tomorrow.
[SPEAKER_00]: Heck no.
[SPEAKER_00]: I'm not going to say here and say you give guy his 10% today.
[SPEAKER_00]: You'd be generous today.
[SPEAKER_00]: You're going to have a check next month.
[SPEAKER_00]: No, what I can say is if you trust God and follow his principles and keep him first as a priority, God going to show it right on time when you least expected and he's going
[SPEAKER_00]: F is first.
[SPEAKER_00]: A is assignment.
[SPEAKER_00]: Here's what I've learned over my years of really evolving and growing in this space.
[SPEAKER_00]: Master meaning that it tells you what to do.
[SPEAKER_00]: Servant means you tell it what to do.
[SPEAKER_00]: And the majority of us live in money is our master.
[SPEAKER_00]: We don't really know what it's doing because we'll get up one day and look at our bank account statement since we spent $100 or $200 on DoorDash on getting food when we already had groceries inside of our refrigerator.
[SPEAKER_00]: And it's because we did not spend enough time to assign the 90% that God has trusted us with.
[SPEAKER_00]: Come here, come here, Christian folks, stop praying and asking God for a house that you can't afford and look at your freaking budget and assign a save and you will not have to pray for a house for a car, for some clothes, for some groceries, for some gas because you're stewarding in assigning your money well.
[SPEAKER_00]: Since I've been doing this and living this life from the last 16, 17 years, men my prayers have evolved.
[SPEAKER_00]: I've went from praying for a house to praying God I want a multiplex.
[SPEAKER_00]: I want a complex of houses.
[SPEAKER_00]: I want a duplex.
[SPEAKER_00]: And it's not so I can get a proof guy, give me the financial means and resources to where I can properly afford that.
[SPEAKER_00]: I don't need to pray in that guy for a roof over my head when he's already given me the money.
[SPEAKER_00]: You know why?
[SPEAKER_00]: Because I'm sturdying and assigning the rest of the 90% that he trusted me with.
[SPEAKER_00]: We ran away from the word budgeting.
[SPEAKER_00]: But the Bible clearly says, count the calls.
[SPEAKER_00]: We run away from writing down the vision for our money.
[SPEAKER_00]: But then yet, I'm sorry, buddy.
[SPEAKER_00]: The body of Christ, we want to pray and ask him for more.
[SPEAKER_00]: We want to pray and say, God, God, give me more.
[SPEAKER_00]: But he's asking us, what did you do with the text?
[SPEAKER_00]: We found you just got in February.
[SPEAKER_00]: What did you do with the bonus check you just got?
[SPEAKER_00]: I'm about to go there and some of y'all won't get upset with me, but I love you.
[SPEAKER_00]: Ladies, what did you do with the money that your boyfriend or that, that the young man who you date and gave you?
[SPEAKER_00]: You just put it in your hair, you put it into buying a purse.
[SPEAKER_00]: Man, I was talking to one of my home girls and she's dating a very successful wealthy guy who she genuinely likes.
[SPEAKER_00]: And man, he gave her a check for $5,000.
[SPEAKER_00]: He's a beggar, do what you want to do with this.
[SPEAKER_00]: I just want to be a blessing.
[SPEAKER_00]: So see you until you're like, oh, that's dope.
[SPEAKER_00]: I was like, oh, good.
[SPEAKER_00]: She said, A.L.
[SPEAKER_00]: I've been walked by only your content.
[SPEAKER_00]: And my girl said, girl, you can go get that purse that just came out.
[SPEAKER_00]: That, uh, and she said, nah.
[SPEAKER_00]: If me, him, don't want to work.
[SPEAKER_00]: I want to make sure, watch this.
[SPEAKER_00]: And this is what she said.
[SPEAKER_00]: No, what I said, I said, that's a different perspective.
[SPEAKER_00]: I said, I got to study that some more because you used the word steward.
[SPEAKER_00]: She said, I want to steward this relationship and this opportunity well.
[SPEAKER_00]: So if he gave me $5,000, she's putting that into her business.
[SPEAKER_00]: I said, oh.
[SPEAKER_00]: She took that $5,000 and put it into her marketing plan for her business, not into her flesh and desires, not into her hair, not into her makeup, not into her looking better.
[SPEAKER_00]: She said, yo, wait a minute, if this is for a season, I'm going to leave this season better than the way I walked into it.
[SPEAKER_00]: So I'm going to add this to my budget for my business.
[SPEAKER_00]: Today, at the time, maybe recording this, I had to check it because I had a card on my way here.
[SPEAKER_00]: I said, y'all, says, are you still what old do you?
[SPEAKER_00]: She said, yeah, we're actually, you know, in a committed relationship and talking about marriage.
[SPEAKER_00]: Like, yeah, I was a proposed yet, but we're actually there.
[SPEAKER_00]: And I said, wow, wow.
[SPEAKER_00]: What are you doing with the 90% God is giving you?
[SPEAKER_00]: And are you assigning a dollar?
[SPEAKER_00]: Because money is going to do two things.
[SPEAKER_00]: It's either going to tell you what it did.
[SPEAKER_00]: or it's going to do what you tell it to do.
[SPEAKER_00]: This is why we came up with the app called In the Black to help you assign the 90% God has trusted you with.
[SPEAKER_00]: I mean, we already have over thousands of users inside the app that's using it with the AI services.
[SPEAKER_00]: I want to highly suggest you that you go download this app and try it out for 90 days.
[SPEAKER_00]: Just do a three month subscription.
[SPEAKER_00]: Try assigning every dollar for the next 90 days.
[SPEAKER_00]: And I promise you, you're going to have a level of freedom that is so good.
[SPEAKER_00]: We're going to put that app in the social description.
[SPEAKER_00]: All you have to do is go to anthonyl.com.
[SPEAKER_00]: For slash app.
[SPEAKER_00]: But inside of that app, inside of that budgeting app, it's also scriptures to help you understand why budgeting is important.
[SPEAKER_00]: And inside this app, we're going to help you.
[SPEAKER_00]: You're going to talk to the app.
[SPEAKER_00]: It's utilizing AR to me about a year to build this thing to understand my philosophy of budgeting and assigning the money.
[SPEAKER_00]: And we're going to ask you some tough questions.
[SPEAKER_00]: And watch this every single day you wake up.
[SPEAKER_00]: you are going to be held accountable to the financial goals that you want to do.
[SPEAKER_00]: So we got faith.
[SPEAKER_00]: We got you guys first.
[SPEAKER_00]: Now that we've given guys first, that leads us with 90% this means we got to assign the rest of the 90% and tell the rest of that money what it is going to do.
[SPEAKER_00]: And we help you really lay that out inside the app.
[SPEAKER_00]: This must be go towards your bills.
[SPEAKER_00]: This must be go towards your mortgage.
[SPEAKER_00]: This must be go towards this.
[SPEAKER_00]: And that we literally lay it down so you have it.
[SPEAKER_00]: But now as we're assigning, we have to be increasing.
[SPEAKER_00]: This is a whole inside of your purse, inside of your wallet.
[SPEAKER_00]: The reason why some of you are struggling right now is because two things, you're not assigning
[SPEAKER_00]: Hmm, that's the eye inside of fate.
[SPEAKER_00]: Got to see what we're going here?
[SPEAKER_00]: And the reason I wanted to break this on even more is because, you know, I had to speak four different times.
[SPEAKER_00]: I really couldn't breathe a little bit.
[SPEAKER_00]: I really couldn't say the things I really wanted to say because I'm going to church pool pit and that's my pastor's pool pit.
[SPEAKER_00]: I really want to respect the timing.
[SPEAKER_00]: But y'all, we do not do a good job of increasing our money.
[SPEAKER_00]: And one of the reasons why I bring on Courtney on my show every single month is because the body of Christ, we have to get out of praying solely and believing for God from multiplication when God has given us resources and the tools and the gifts and the talents, come on parables to multiply our money.
[SPEAKER_00]: And I think a lot of us right now are scared.
[SPEAKER_00]: We're seeing that interest rates are going up and mortgages.
[SPEAKER_00]: We're seeing that the stock market's going up and down, up and down.
[SPEAKER_00]: People bought space ex because it was easy to buy when it was going up.
[SPEAKER_00]: But now that thing dropped tremendously and people lost a lot of money, people are scared and fearful and they're getting out.
[SPEAKER_00]: Man, fear is the worst thing when it comes to your money.
[SPEAKER_00]: And I really do believe that God did not give us money.
[SPEAKER_00]: to just sit there.
[SPEAKER_00]: I believe he said, hey, listen, I want you to be a good steward and get this money that I'm giving you that I'm trusting you with and I need you to go multiply.
[SPEAKER_00]: Because multiplication is the only way you're going to be able to be a blessing to your children's children.
[SPEAKER_00]: Multiplication is the only way you're gonna be able to be generous.
[SPEAKER_00]: multiplication is the only way you can be able to build something of substance and really live the life that you want to live.
[SPEAKER_00]: Aren't you sick and tired of getting up every single day and exchanging eight hours of your day to get back $200?
[SPEAKER_00]: Aren't you sick and tired of waking up at five a.m. to go to work at eight to get off that five to pick a kids up and be back home by seven
[SPEAKER_00]: They said that the average man would die right around 77, so in between 75 and 77, let's talk brothers.
[SPEAKER_00]: So if we're gonna die, that's like quote unquote in between 75 and 77, retirement is at 65.
[SPEAKER_00]: So I'm gonna work all of my freaking life to only enjoy about 10 years of it.
[SPEAKER_00]: Heck no, that's not the life God wants for me to have.
[SPEAKER_00]: God said I came to give you life and life more abundantly.
[SPEAKER_00]: What is abundant about struggling and living paycheck the paycheck for 65 freaking years to retire and to barely be living and to barely be making it and the only way that we can increase our funds, the only way we can increase our funds is if we can get to a place to where we are strategic.
[SPEAKER_00]: Watch this one of the key ways to increase our fund.
[SPEAKER_00]: Watch this is to decrease our spending.
[SPEAKER_00]: because if we can decrease our spending, that creates room for a margin.
[SPEAKER_00]: We take that margin and we put it inside of a high yield savings account.
[SPEAKER_00]: So that way we're not going back to consumer debt.
[SPEAKER_00]: We take that margin and we put it inside of a Roth 401k.
[SPEAKER_00]: So we can get the multiplication from our employers to matches.
[SPEAKER_00]: We take that margin.
[SPEAKER_00]: We put it inside of an HSA at health savings account.
[SPEAKER_00]: So this way, now we're raising money and saving money for our medical needs down the road.
[SPEAKER_00]: We take that margin and we put that into another high-year savings.
[SPEAKER_00]: I'm about to teach us something here and we let it sit there and we part that account and market as opportunities.
[SPEAKER_00]: was an opportunity, Anthony, another small business that wants to sell to me, what's the opportunity?
[SPEAKER_00]: Maybe stocks that come up, what's the opportunity?
[SPEAKER_00]: Maybe a good opportunity to buy some land or buy some real estate because we got to put ourselves in position to where we can take our margin and go buy something that we now own.
[SPEAKER_00]: And if we don't own anything, we're going to always be working for the rest of our life.
[SPEAKER_00]: because if your income is not multiplying, if your money is not working harder than you, you are going to be working hard for the rest of your life.
[SPEAKER_00]: This is one of the seasons that I'm in, increase.
[SPEAKER_00]: My company is doing well.
[SPEAKER_00]: I'm maybe the live, the life that I desire to live, but I'm like, wait a minute, I still got a show up and record shows.
[SPEAKER_00]: I still gotta get up and work.
[SPEAKER_00]: I still gotta somewhere exchange my time to produce an income.
[SPEAKER_00]: I'm 42.
[SPEAKER_00]: I do not want to be doing that at 50.
[SPEAKER_00]: I'm praying that God allows me to live at least to 90 and a hundred.
[SPEAKER_00]: That's why I'm taking my health well.
[SPEAKER_00]: But in this season of my life, it is about how do I put money to the side.
[SPEAKER_00]: to where I can put a certain amount of money inside of my portfolio that I can pull from interest and I can live off of that for the rest of my life.
[SPEAKER_00]: I want to challenge you this year, not this year, on this episode.
[SPEAKER_00]: I want you to look back, what can you be doing now?
[SPEAKER_00]: that generates a level of increase in your income.
[SPEAKER_00]: Some of us may need to go back and look at our budget inside the end of Black App and see where can we decrease so we can have a little bit of margin.
[SPEAKER_00]: If you can create $100 a margin or cool great, I want to put that inside of a high yield save as a count.
[SPEAKER_00]: if you don't have a high yield savings account, I'm actually doing a show.
[SPEAKER_00]: I don't know if we put it out already, but we've recorded it today as well.
[SPEAKER_00]: It's the top five high yield savings account on that show with highly recommend going look at which one actually works for you and your needs, right?
[SPEAKER_00]: And then from there, open that up to date, put $50 in it.
[SPEAKER_00]: If you can create a margin of $1,000, let's say you already have 36 months of being that pay set aside.
[SPEAKER_00]: You already out of consumer debt.
[SPEAKER_00]: Take that $1,000, go open up another high yield savings account and put that money into that account for opportunities.
[SPEAKER_00]: because y'all hear me clearly, I believe that the next wealth transfer is happening with the next five to ten years.
[SPEAKER_00]: And that if you're not in a position, you and your spouse are not in the position to go buy a business that is already designed and working well, it just needs fresh blood, fresh thoughts, a fresh perspective with AI and with tech now being included into it.
[SPEAKER_00]: You can take that company to where it is today and multiply that by three over the next 12 to 24 months.
[SPEAKER_00]: But if you're not in position, if you're always paying back debt, if you're always trying to look good and you're not saving your money, y'all, you're never, you're never increase.
[SPEAKER_00]: We talked about first for faith.
[SPEAKER_00]: Give God His first.
[SPEAKER_00]: You gotta stew with the other 90% by assigning every dollar.
[SPEAKER_00]: And inside that assignment, you should have an assignment for increase.
[SPEAKER_00]: But none of this works if we don't have a transformed mind.
[SPEAKER_00]: So T stands for continuing to evolve aka transformations, but T stands for transformation, right?
[SPEAKER_00]: But you always got to be continuing to evolve.
[SPEAKER_00]: Someone asked me just the other day, Anthony.
[SPEAKER_00]: Why did you go back to school?
[SPEAKER_00]: And I said, I'm going to be honest with you.
[SPEAKER_00]: It's easy to regurgitate the things that I've learned, the things that I've taught, and the things that I see on YouTube.
[SPEAKER_00]: But I always want to be evolving.
[SPEAKER_00]: I always want to be transforming my mind and growing my mind and evolving.
[SPEAKER_00]: So I went back to school to get education.
[SPEAKER_00]: And every single day, man, I'm at Regent University.
[SPEAKER_00]: And they are stretching me.
[SPEAKER_00]: I thought once I almost fell to class, I'd be honest with you, but I was able to get in back into it and really get that grade up to a passing grade.
[SPEAKER_00]: But I wanted to make sure that I'm stewarding your ears.
[SPEAKER_00]: I wanted to make sure that I'm not just an influence that's selling all the course, but not giving you no value and not giving you transformation.
[SPEAKER_00]: That is the main reason why we created the Freedom Circle that we have a small group of people in it right now and giving us their thoughts on the Freedom Circle.
[SPEAKER_00]: But eventually I will let us see 10,000 of our community members inside of this circle and we're doing small groups in this circle.
[SPEAKER_00]: We're having couple circles.
[SPEAKER_00]: We're creating a community that is continuing to transform their financial lives every single month.
[SPEAKER_00]: I don't want to community ashes there, just to make money, no, no, no, no, no, I want to community of individuals that may have were creating a legacy, was leads me to the age.
[SPEAKER_00]: And we don't close this out.
[SPEAKER_00]: Hes for heritage, that's faith, God created you, not to just enjoy what happens
[SPEAKER_00]: but he also created you to leave an inheritance to your children's children.
[SPEAKER_00]: I mean, I have four loving parents, man, that I love tremendously.
[SPEAKER_00]: But they couldn't give me a check for 100,000 dollars when I graduated high school.
[SPEAKER_00]: Heck, let's be honest, unfortunately, they were not in a position to buy me a car.
[SPEAKER_00]: If I'm gonna go deep, they weren't even in a position to pay for all of my college.
[SPEAKER_00]: Yes, I was able to use my father's GI billing.
[SPEAKER_00]: Yes, it was able to plus some things here and there, but they couldn't cut it, check and say, here, here you go.
[SPEAKER_00]: And one of the things that I've learned, and this is where I'm really, I miss these in my life, being 42 years old, is that what am I doing to not just leave a check to my generation behind me, by how do I intentionally, at 42, position myself, to set them up to give them momentum.
[SPEAKER_00]: I'm tired as a black man, seeing black families when we die, when we move on, we're leaving our families with go-fun-mea accounts, we're leaving our families with stress and with burden and trying to figure things out why and the hail.
[SPEAKER_00]: Do you have a BMW, a Mercedes-Benz, a Rolex watch, a little bit of a ton of purse, but then you don't have.
[SPEAKER_00]: Watch this.
[SPEAKER_00]: You don't have.
[SPEAKER_00]: things situated.
[SPEAKER_00]: I didn't get a chance to mention this at the church.
[SPEAKER_00]: I really want to write this down because here's what heritage inside of faith actually means.
[SPEAKER_00]: There's three main things, protection, paperwork, and preparation.
[SPEAKER_00]: Protection, paperwork, and preparation.
[SPEAKER_00]: Now, protection I wrote it down here is simply like, yo, if people require and depend on you.
[SPEAKER_00]: Now, this is going
[SPEAKER_00]: This is going to somewhat contradict the word of God, but I don't have a heaven or hell to put you in, so I'm not going to condemn anybody because I'm the last person to be condemning anybody.
[SPEAKER_00]: But let's be honest.
[SPEAKER_00]: This is why I'm grateful I'm not a pastor.
[SPEAKER_00]: A lot of you all are living with your girlfriend or your boyfriend and y'all ain't married.
[SPEAKER_00]: A lot of you all have kids, children, with
[SPEAKER_00]: your significant other that you're not married to, and you live with them.
[SPEAKER_00]: Protection simply means that if someone is depending on you and your income, do you have life insurance put in place to where you can do that?
[SPEAKER_00]: To where they can be taken care of, what if something happens, brother?
[SPEAKER_00]: You're living with your girlfriend, you live with your girlfriend and with your son, you're girlfriend and your child.
[SPEAKER_00]: And unfortunately life happens and you die today.
[SPEAKER_00]: Look at me, brother.
[SPEAKER_00]: I'm gonna say this straight forward.
[SPEAKER_00]: How can you say you love them, but you have not put protection in place for them if something wasn't happened for you?
[SPEAKER_00]: So now they gotta sell t-shirts, and now they gotta sell piece of, now they gotta do go-fummies to rave funds because you're gone.
[SPEAKER_00]: Let's go deeper.
[SPEAKER_00]: Husbands, it is our responsibility to protect our wives and our children.
[SPEAKER_00]: You're driving a Mercedes, but you don't have the adequate amount of protection, aka life insurance for your family.
[SPEAKER_00]: But yeah, you say that you love them.
[SPEAKER_00]: And I'm not saying that you don't.
[SPEAKER_00]: but love also means doing the things that is super uncomfortable.
[SPEAKER_00]: Because setting heritage into place, that is not a sexy conversation, that's not a sexy thing to do to go get life insurance, because watch this, life insurance doesn't benefit you.
[SPEAKER_00]: It benefits the life of the people who you left behind.
[SPEAKER_00]: In life insurance, I'm going to do a whole another show on this.
[SPEAKER_00]: You need to have at least 10 times your income for every child you have at least $100,000 for school and whatever mortgage that you have, at least take care of that mortgage, watch this if you are renting an apartment, at least two years of whatever that rent is, goes down to paperwork next.
[SPEAKER_00]: If you don't have a will put in place, if you don't have an estate plan put into place, which is a trust, power of a turn.
[SPEAKER_00]: Man, you're leaving your family to argue over what you made what?
[SPEAKER_00]: One of my friends, he was a father.
[SPEAKER_00]: Unfortunately, he passed away five years ago.
[SPEAKER_00]: And he was living with his girlfriend.
[SPEAKER_00]: He had a son who was living with his mom.
[SPEAKER_00]: you don't pre-well for himself, but he didn't have a will, put in place.
[SPEAKER_00]: He didn't have a trust.
[SPEAKER_00]: So he was living with his girlfriend, who he was not legally married to, and so the mother
[SPEAKER_00]: If family was thinking, you're not doing this for your son, you're doing this to benefit for you, but you're using your son in that place.
[SPEAKER_00]: Now, he and a girlfriend was together for four years.
[SPEAKER_00]: And I know, and I know I'm talking about girlfriend.
[SPEAKER_00]: I know he's an aunt, and that's not biblical.
[SPEAKER_00]: I get it, but we have Christians who are doing this.
[SPEAKER_00]: I'm gonna highly suggest, listen to me clearly.
[SPEAKER_00]: Man, if you live in, if you're shacking up, pull up my mom and my grandma, I'm gonna say, hey man, listen, we all know what the Word God says.
[SPEAKER_00]: Let's get right with the Word of God.
[SPEAKER_00]: But I think as a non-pastor,
[SPEAKER_00]: as a non-person who has sheep, I have to speak from a practical in a real perspective.
[SPEAKER_00]: And a real perspective is, this is what's happening and at the end of the day, I'm sorry, deep Christian folks.
[SPEAKER_00]: These individuals still love God.
[SPEAKER_00]: I ain't no virgin, and I still love God.
[SPEAKER_00]: So we can't just only talk to the ones who were doing it quote unquote from what we see on the outside right, because I know a lot of Mary couples who went, they married, but they ain't living right.
[SPEAKER_00]: So here we clearly just, just get what I'm saying.
[SPEAKER_00]: And because he didn't have the paperwork, the, the son's mother took her to court to fight.
[SPEAKER_00]: She depended on his income because they were living together.
[SPEAKER_00]: The mother wanted to fight both the son's mother and the girlfriend because the mother thought, this is what he will want with his finances.
[SPEAKER_00]: So now, because, unfortunately, he's gone and he did not spend enough time.
[SPEAKER_00]: Spend a day, the sit-down with an attorney, the sit-down with someone to write, hey, if I was to go today, I want my son to have this.
[SPEAKER_00]: I want my girlfriend to have this.
[SPEAKER_00]: I want my family to have this.
[SPEAKER_00]: This is what I am doing with the little bit of resources that I have.
[SPEAKER_00]: Well, he's in heaven.
[SPEAKER_00]: Fillin' no more paying.
[SPEAKER_00]: No more emotional.
[SPEAKER_00]: The people who he loved, because I genuinely do believe he loved his girlfriend.
[SPEAKER_00]: I genuinely do believe that he loved his son and watched this.
[SPEAKER_00]: I genuinely do believe he had love for his son's mother.
[SPEAKER_00]: Didn't love her, didn't want to be with her, but he respected that together they made an amazing child.
[SPEAKER_00]: So he honored and respected.
[SPEAKER_00]: So does she deserve something?
[SPEAKER_00]: Absolutely.
[SPEAKER_00]: And here is one thing that we got to do better at when it comes to heritage.
[SPEAKER_00]: If we want to give our loved ones, what's the proper word for this?
[SPEAKER_00]: If we're going to give our loved ones momentum, we got to prepare them.
[SPEAKER_00]: Why do you think sports teams have a offseason and towards the end of the offseason, they're prepping for the new season?
[SPEAKER_00]: Why do you think chefs, if they have a big event, they come in a prep for the big event?
[SPEAKER_00]: They don't just show up on a day to big event in cook food, no, they're prep it.
[SPEAKER_00]: They're gonna get the steak, and they're gonna, you know, put some seasoning on the steak and let it sit there for a day for two days, for seven days.
[SPEAKER_00]: Man, I like a good cocktail, then.
[SPEAKER_00]: On this one particular day, I had an old fashion, and this old fashion was amazing.
[SPEAKER_00]: And I had to ask the bartender, why is it that yours tastes better than any other old fashion that I've had.
[SPEAKER_00]: She said, well, because we prepped it for 11 days.
[SPEAKER_00]: said, what?
[SPEAKER_00]: Yes, we made the syrup.
[SPEAKER_00]: We made the ingredients and let it sit.
[SPEAKER_00]: We made it.
[SPEAKER_00]: We let it sit for 11 days.
[SPEAKER_00]: And then we took that out and we put it inside of the drink and that's why it tastes well.
[SPEAKER_00]: So the longer you can prep the better your kids will be okay.
[SPEAKER_00]: And the longer or the earlier you can have a conversation with your children with their family members about life, about what you've
[SPEAKER_00]: When you give them the money, when you pass down businesses in land and real estate and income, they had time to prep.
[SPEAKER_00]: Now they know what to do with the resources.
[SPEAKER_00]: Now you have not just legacy, not just heritage, but you're creating a lineage.
[SPEAKER_00]: And every single thing that we're doing, every single thing that we're doing on this brand, on this platform.
[SPEAKER_00]: As a Christian believing platform, we have to start looking at our money through the lens of faith.
[SPEAKER_00]: Faith, give God His first, assign the other 9% use the rest of that money to increase it.
[SPEAKER_00]: You've got to be transforming your mind every single day and you've got to build heritage.
[SPEAKER_00]: And before you buy the next car, before you go buy the next Louis Vuitton purse, before you go upgrade to the latest and the greatest iPhone or latest and the greatest technology, before you open up another subscription, I want you to ask yourself, if I do this, spend this, do this, will it impact and look at it through the lens of faith?
[SPEAKER_00]: If I buy the new car, will it prevent me from giving God his first, the 10%, if I buy the new car?
[SPEAKER_00]: Is it already assigned in my budget?
[SPEAKER_00]: If it's not assigned, you can't buy it.
[SPEAKER_00]: If I buy the new car, is it going to prevent me from increasing my money and multiplying my money?
[SPEAKER_00]: If I buy the new car, does it align with a new transformation of my set that I have?
[SPEAKER_00]: And if I buy the new car, is it going to prevent me from building a heritage and leaving a legacy?
[SPEAKER_00]: If you can go through that and ask those questions,
[SPEAKER_00]: You're gonna be alright, and I promise you, by this time next year, your funds and your finances will be well.
[SPEAKER_00]: This is the faith framework that God gave me for the body of Christ.
[SPEAKER_00]: Because there's two sides.
[SPEAKER_00]: Pray, yes, let's pray.
[SPEAKER_00]: Because I believe that if we work the faith framework while also believing God to do the miraculous, it will make him want to show us how good he is because now he can trust us with our resources.
[SPEAKER_00]: I'm going to link the sermon that I believe was one of my best sermons inside of the show notes.
[SPEAKER_00]: I want you to go back and watch it.
[SPEAKER_00]: I want you to share the sermon and share today's video with someone.
[SPEAKER_00]: And then, throughout this week, I want you to start asking yourself, am I working in a faith framework?
[SPEAKER_00]: Am I really being a good student of my resources with the funds?
[SPEAKER_00]: Yo, I love you.
[SPEAKER_00]: I get about a year away over my time.
[SPEAKER_00]: God bless you and we are going to be rolling out the freedom circle here soon and our goals have 10,000 people in it.
[SPEAKER_00]: I'm sick and tired of saying the wrong information being in teach to the body of Christ.
[SPEAKER_00]: and I want to create a circle of individuals, a community to where we honestly get together on a bi-weekly basis and get, man, I'm talking about y'all in this community, I want us to go on vacation together.
[SPEAKER_00]: My goal is one day, we can rent out a whole yacht and we celebrate the body of Christ.
[SPEAKER_00]: of financial freedom.
[SPEAKER_00]: I want to see this community behind their dream cars and buying their houses, watches, but I also want to see this community diving and building the kingdom.
[SPEAKER_00]: I also want to see this community setting up your children for good, strong momentum.
[SPEAKER_00]: because the Bible says when two or three gather in his name, that's when he's in the mess.
[SPEAKER_00]: So I wanna bring our community together.
[SPEAKER_00]: And so we've been building it, we're trying it out and making certain platforms, working correctly, and that is solid, but with it in the next few weeks, we're gonna roll this out, and I want you to be a part of the community.
[SPEAKER_00]: All right, I love you.
[SPEAKER_00]: God bless you, and I'm so useful.