Money, Money, Money

100:00:00.230 --> 00:00:08.610Real Life presents the Jack Hibbs Podcast, with intention and boldness to proclaim truth, equip the saints, and impact our200:00:08.610 --> 00:00:09.010culture.300:00:09.210 --> 00:00:15.710If you are obedient in the area of finances, there is a high probability that you are going to be400:00:15.710 --> 00:00:22.350very wise regarding finances and money, and the use of money, and it will better your life, it will better500:00:22.350 --> 00:00:26.790the life of your family, and it will better the life of the people you know, and it will better600:00:26.790 --> 00:00:28.490the life of your church that you attend.700:00:28.890 --> 00:00:35.630And it's a good feeling, because it's God-centered, it's Christ-glorifying, and it's the ministry toward others.800:00:36.230 --> 00:00:38.290Stop thinking that money is evil.900:00:41.320 --> 00:00:47.480You can get the outlines of this podcast by going to Jackhibbs.com slash podcast.1000:00:48.240 --> 00:00:54.560Today, if this podcast lifts you up and encourages you to live a more fulfilled life in Christ, then make1100:00:54.560 --> 00:00:56.920sure you leave us one of those five-star ratings.1200:00:57.280 --> 00:01:00.580To us, that's like saying amen or yes.1300:01:00.960 --> 00:01:03.319Then that rating will encourage others to listen.1400:01:03.760 --> 00:01:07.100Now open your hearts to what God's Word has to say to you.1500:01:07.580 --> 00:01:08.960Here is Jack Hibbs.1600:01:09.940 --> 00:01:11.840Hey guys, we're talking about money.1700:01:12.220 --> 00:01:12.460Money.1800:01:12.760 --> 00:01:18.660In my old mind, I can hear money, money, money, money, that song that makes a lot of us older1900:01:18.660 --> 00:01:22.740kind of sick to our stomach, because it was played constantly until it made you sick.2000:01:22.740 --> 00:01:27.700But money is a big deal, everybody, a very big deal.2100:01:28.220 --> 00:01:29.240Here's the reason why.2200:01:32.180 --> 00:01:41.020Jesus introduces us most recently and graphically to the fact that money is a altar of worship.2300:01:42.360 --> 00:01:45.460Money is an altar of worship.2400:01:47.500 --> 00:01:57.980All that is something that is determined as all worship is by the one who chooses to worship what the2500:01:57.980 --> 00:01:58.700object is.2600:01:58.940 --> 00:02:03.100It's the worshiper that makes the object an object of worship.2700:02:03.900 --> 00:02:09.860Jesus said you can either worship God or Mammon.2800:02:10.500 --> 00:02:16.040Now Mammon was the ancient Greek God of wealth and prosperity.2900:02:17.240 --> 00:02:30.920A Mammon goes back with various names, various titles through every culture, but in our biblical worldview sense, for us,3000:02:31.420 --> 00:02:41.180all the way to ancient Babylon and the 360 Gods that made up the Babylonian worship system thousands and thousands3100:02:41.180 --> 00:02:42.000of years ago.3200:02:42.400 --> 00:02:47.420Mammon, again, manifesting itself in various ways.3300:02:48.540 --> 00:02:53.960I think it's good to say at this moment that when Jesus says you can either serve God or fill3400:02:53.960 --> 00:02:56.660in the blank, of course, this case, Mammon being money.3500:02:57.320 --> 00:03:12.100Remember, behind the money, behind the, excuse me, behind the pursuit of health or bodybuilding or looks or hobbies or3600:03:12.100 --> 00:03:19.280sports, or it doesn't matter what it is, doesn't matter, even doesn't matter how great it is, our fallen nature3700:03:19.280 --> 00:03:26.640being spiritual creatures, we can take a really good thing and idolize it and thus making it an altar of3800:03:26.640 --> 00:03:26.920worship.3900:03:27.120 --> 00:03:28.360Hopefully that makes sense.4000:03:28.900 --> 00:03:34.680For example, you can take, you can take shopping.4100:03:35.040 --> 00:03:35.800You have to shop.4200:03:35.880 --> 00:03:36.940Everybody has to shop.4300:03:37.760 --> 00:03:42.440So you might chuckle right now because you're thinking, oh my goodness, Pastor Jack, I didn't think you'd be into4400:03:42.440 --> 00:03:42.820shopping.4500:03:43.200 --> 00:03:44.720I'm totally into shopping.4600:03:45.520 --> 00:03:54.420Almost once a week, Lisa will send me to the Trader Joe's or, or whatever Albertson's or whatever to shop4700:03:54.420 --> 00:03:55.760to buy food.4800:03:57.180 --> 00:03:59.200And I've got my list and I go do that.4900:03:59.280 --> 00:04:00.000Of course I shop.5000:04:00.080 --> 00:04:00.640So do you.5100:04:00.960 --> 00:04:06.500But see, you might've giggled a little bit a moment ago because you thought I was going to say Nordstrom's5200:04:06.500 --> 00:04:10.520or, you know, fill in the blank, Macy's.5300:04:10.640 --> 00:04:18.600I don't know what your world is, but we can make shopping an idol.5400:04:19.360 --> 00:04:23.680Cause you know, when we're depressed and our feelings are hurt, or we just feel like we're not having a5500:04:23.680 --> 00:04:25.240good day, I'm going to go shopping.5600:04:26.080 --> 00:04:26.920Interesting, right?5700:04:27.140 --> 00:04:33.180That is the exact same thing as leaning on something else and instead of leaning on God.5800:04:33.820 --> 00:04:39.000Now, what I'm saying to you might be very abstract to some of your thinking, but there are some people5900:04:39.000 --> 00:04:51.400who find their meaning in escaping by, by masking themselves through the inability to cope through a really rough day.6000:04:51.500 --> 00:04:54.600They can't handle it unless they have a drink.6100:04:55.000 --> 00:04:56.320It's been a rough day, man.6200:04:56.380 --> 00:04:57.060I need it.6300:04:57.100 --> 00:04:57.920I need a drink.6400:04:59.040 --> 00:04:59.860That's an idol.6500:05:01.920 --> 00:05:07.020It would be, look, it'd be the same for me if I say, man, I've had a really rough day.6600:05:07.580 --> 00:05:13.540I, I'm going to go paddle boarding or surfing or writing or walking or whatever.6700:05:14.400 --> 00:05:15.800It's not the thing.6800:05:16.760 --> 00:05:18.900It's what I make the thing into be.6900:05:21.090 --> 00:05:23.250And money is at the top of the list.7000:05:24.290 --> 00:05:25.670Money's at the top of the list.7100:05:25.770 --> 00:05:27.990And first of all, let's start here regarding money.7200:05:28.550 --> 00:05:36.410Um, the book of Ecclesiastes chapter three, verses 12 to 13 says this, I know that nothing is better for7300:05:36.410 --> 00:05:40.190them than to rejoice and to do good in their lives.7400:05:40.470 --> 00:05:48.430And also that every man should eat and drink and enjoy the good of all his labor.7500:05:49.090 --> 00:05:51.690It is the gift of God.7600:05:51.750 --> 00:05:52.790What does that mean?7700:05:52.890 --> 00:06:00.570That is one of those verses that uh, speaks about, um, free trade capitalism.7800:06:01.410 --> 00:06:08.290Man works with his own hands, takes what he has crafted and sells it.7900:06:08.390 --> 00:06:11.170And he makes his own life better.8000:06:11.250 --> 00:06:14.230And he makes the lives of those who are his family.8100:06:14.390 --> 00:06:17.330And even those who are of his community better.8200:06:17.690 --> 00:06:18.390Why?8300:06:18.390 --> 00:06:21.010Because he rightly used his skills.8400:06:21.190 --> 00:06:29.690Listen, everyone, he rightly used his skills of which I am moving my fingers, uh, announcing that this is the8500:06:29.690 --> 00:06:33.830symbol for skills and I've used my hands.8600:06:35.050 --> 00:06:38.170I've used them to create something.8700:06:38.530 --> 00:06:45.550This doesn't matter if I created music, if I created a brick or if I created a, you got my8800:06:45.550 --> 00:06:45.930point.8900:06:46.450 --> 00:06:51.670I use the skill sets that God has given me, whatever they are for you.9000:06:52.090 --> 00:06:53.690And you didn't sit idle.9100:06:54.010 --> 00:06:54.710You use them.9200:06:54.810 --> 00:06:59.850And the Bible says by all means, use them because you will be a blessing both to others around you,9300:07:00.250 --> 00:07:07.730but to yourself, there's a sense of self-worth, listen, self-worth and meaning by the use of your hands.9400:07:08.910 --> 00:07:16.470And so many young people today and shame on us as parents are letting our kids sit on their hands9500:07:16.470 --> 00:07:26.510instead of pulling their hands out and using them in effort, in work, in sweat, digging holes.9600:07:26.710 --> 00:07:37.730I'm not joking, digging holes, planting things, uh, laying foundations, uh, digging, use the hands, build something.9700:07:38.510 --> 00:07:43.850Look in your own home for many of you who are homeschoolers or, or you've got kids in public school,9800:07:44.190 --> 00:07:53.610have your kids build a bird house with hammer, wood and nails and glue, design it and then build it.9900:07:53.650 --> 00:07:54.650I'm just, I'm not joking.10000:07:56.330 --> 00:07:56.730Why?10100:07:56.730 --> 00:08:03.050A sense of accomplishment, get up on the ladder, put it on, put it up in the tree, nail it10200:08:03.050 --> 00:08:03.530up there.10300:08:04.730 --> 00:08:09.870And your kids will forever in your backyard, look up and remember, Hey, we made that bird house.10400:08:10.930 --> 00:08:17.050And then there's an overwhelming sense of satisfaction when you actually see a bird or a squirrel come in and10500:08:17.050 --> 00:08:17.950out of that bird house.10600:08:18.050 --> 00:08:18.870What has happened?10700:08:18.870 --> 00:08:26.150You meaningful used your hands in a meaningful way and you have self-worth because you have ascribed yourself to10800:08:26.150 --> 00:08:27.390do something.10900:08:28.090 --> 00:08:30.090And I'm in, God does the same thing with money.11000:08:30.390 --> 00:08:33.590God wants us to use our money.11100:08:34.169 --> 00:08:39.510Uh, God, listen, there is no virtue in poverty, but let me be careful to say this.11200:08:40.390 --> 00:08:46.710Uh, I am not preaching prosperity, wealth and claimant doctrine.11300:08:46.930 --> 00:08:47.610I'm against it.11400:08:47.750 --> 00:08:49.910I preach and teach against that.11500:08:50.550 --> 00:08:53.930However, God blesses obedience.11600:08:54.490 --> 00:08:55.290That's a fact.11700:08:55.770 --> 00:09:03.190If you're, if you are obedient in the area of finances, there is a high probability that you are going11800:09:03.190 --> 00:09:07.390to be very wise regarding finances and money and the use of money.11900:09:08.070 --> 00:09:10.670And, uh, it will better your life.12000:09:10.770 --> 00:09:12.510It will better the life of your family.12100:09:12.510 --> 00:09:16.970And it will better the life of the people, you know, and it will better the life of your church12200:09:16.970 --> 00:09:17.690that you attend.12300:09:18.950 --> 00:09:21.930And it's a good feeling because it's God centered.12400:09:22.230 --> 00:09:25.990It's Christ glorifying and it's the ministry toward others.12500:09:26.690 --> 00:09:28.690Stop thinking that money is evil.12600:09:29.450 --> 00:09:31.890Nowhere in the Bible does it say that money is evil.12700:09:32.650 --> 00:09:40.590It's just not there, but we have pulled back to think, Oh yeah, it is evil because this charlatan preacher,12800:09:40.910 --> 00:09:44.210this guy's yelling and screaming about sending him a thousand dollars.12900:09:44.350 --> 00:09:50.970Look, I, I do hope, you know, never send, uh, televangelists money, never send them money.13000:09:51.590 --> 00:09:52.470Don't do it.13100:09:53.710 --> 00:09:56.650I mean, do it if God tells you to, but don't do it.13200:09:56.750 --> 00:10:03.990If they told you to, uh, number one way for me to not send a ministry money is if they13300:10:03.990 --> 00:10:06.430ask, will you send us money, please?13400:10:07.390 --> 00:10:08.450Yeah, no way.13500:10:08.710 --> 00:10:15.950So listen, so we already know that God is the creator of a free trade market.13600:10:16.130 --> 00:10:22.850Man works with his hands, sells, uh, what he does to the betterment of his own life and the life13700:10:22.850 --> 00:10:23.350of others.13800:10:23.930 --> 00:10:28.690The Bible tells us that Abraham was a man who worked with his own hands and God blessed him with13900:10:28.690 --> 00:10:35.230a multitude of flocks and God blessed him when he stopped and they dug wells, God brought up water.14000:10:35.390 --> 00:10:36.670Notice all these things are miraculous.14100:10:37.390 --> 00:10:41.610All that was needed was Abraham to apply his human skill and God blessed it.14200:10:42.570 --> 00:10:49.210Before Adam was ever married, before Adam was married, Adam had a job.14300:10:50.590 --> 00:10:52.910I think that's significant for our day and age.14400:10:53.350 --> 00:11:00.090Keep that in mind before Adam ever was given Eve by God, God gave Adam a job.14500:11:03.720 --> 00:11:06.020And that is a significant part.14600:11:07.080 --> 00:11:09.020Nobody should get married without a job.14700:11:10.200 --> 00:11:10.720Hello.14800:11:11.360 --> 00:11:12.400That's obvious.14900:11:12.920 --> 00:11:19.520Uh, by the way, I don't care if you actually are listening to this podcast right now and you're worth15000:11:19.520 --> 00:11:26.520a hundred million dollars and you get up in the morning and you sit on your hands, you're going to15100:11:26.520 --> 00:11:27.100get in trouble.15200:11:28.360 --> 00:11:32.040Your idle time with your hands, I don't care how much money you're worth.15300:11:33.340 --> 00:11:36.940You're not supposed to stop using your hands for good.15400:11:37.840 --> 00:11:44.240If you're worth a lot of money and you don't have to work like the rest of us do, and15500:11:44.240 --> 00:11:48.120you're using your hands and your skills to get into mischief, boy, are you in trouble.15600:11:48.580 --> 00:11:55.360Don't be surprised if your wealth sprouts wings like a bird and flies away from you instead of you using15700:11:55.360 --> 00:11:58.220it for the advancement of God's love, kingdom, and grace.15800:11:59.860 --> 00:12:00.480Money.15900:12:01.020 --> 00:12:04.500First Timothy chapter six, verse 10 for the love of money.16000:12:04.780 --> 00:12:05.540There you go.16100:12:05.760 --> 00:12:10.420The love of money is a root of all kinds of evil.16200:12:10.700 --> 00:12:12.780You see money's not evil.16300:12:13.320 --> 00:12:15.220Money is a moral.16400:12:16.660 --> 00:12:17.280Okay.16500:12:17.360 --> 00:12:19.300So football is not evil.16600:12:19.640 --> 00:12:21.320Football is a moral.16700:12:22.480 --> 00:12:26.420It has no morality until humans assign morality to it.16800:12:29.260 --> 00:12:30.860You can go on and on with this.16900:12:30.980 --> 00:12:31.800I hope you get that.17000:12:31.880 --> 00:12:33.140We don't have the time to develop that.17100:12:33.180 --> 00:12:35.820I wish we did, but money is amoral.17200:12:36.900 --> 00:12:42.760It's used for good or evil based upon the person who is governing it.17300:12:44.960 --> 00:12:47.380I have this Sharpie in my hand.17400:12:48.200 --> 00:12:57.380I could write with this Sharpie with my hand that, so I write love you.17500:12:58.600 --> 00:13:03.280With the Sharpie, I wrote this.17600:13:04.080 --> 00:13:22.810With this same Sharpie, I could turn around and say something like down with you or let's riot or something.17700:13:26.010 --> 00:13:27.690This pen is amoral.17800:13:27.870 --> 00:13:29.270Money is amoral.17900:13:29.770 --> 00:13:35.070It doesn't have any morality until you put it into practice.18000:13:36.110 --> 00:13:39.910That's why we are to be stewards over the resources we have.18100:13:39.950 --> 00:13:42.030And you might say, Pastor Jack, I don't have any resources.18200:13:42.030 --> 00:13:43.230Yes, you do.18300:13:43.810 --> 00:13:44.970Don't say that.18400:13:45.050 --> 00:13:46.330You say, I'm so broke.18500:13:47.910 --> 00:13:48.350Yeah.18600:13:48.490 --> 00:13:49.130No, you're not.18700:13:50.370 --> 00:13:51.750Listen, you're not.18800:13:53.510 --> 00:14:03.820If you're living from check to check, you have the ability with $1 to bless someone or to use it18900:14:03.820 --> 00:14:04.480for God's glory.19000:14:05.540 --> 00:14:10.960Maybe you're in a pension or maybe you're on social security.19100:14:14.020 --> 00:14:19.980God will call you and show you how to use a nickel for his glory.19200:14:20.220 --> 00:14:20.800Do you understand?19300:14:20.980 --> 00:14:22.120My friend, please get this.19400:14:23.520 --> 00:14:33.160In the eyes of God, a million dollars is not more good than a nickel.19500:14:34.620 --> 00:14:40.900You can use a million dollars with the wrong motive to do the bad thing, the wrong thing, and somebody19600:14:40.900 --> 00:14:42.420else can use a nickel.19700:14:44.060 --> 00:14:48.480And it winds up in eternity being more honoring to God than a million dollars.19800:14:49.240 --> 00:14:51.120I hope I made that point very, very clear.19900:14:52.300 --> 00:14:57.600Back to 1 Timothy chapter 6, verse 10, for the love of money is a root of all kinds of20000:14:57.600 --> 00:15:09.710evil, for which some, having strayed from the faith, interesting, faith in the use of money, having strayed from the20100:15:09.710 --> 00:15:15.710faith, have become greedy and have pierced themselves through with many sorrows.20200:15:16.690 --> 00:15:20.870Did you know that chasing wealth will pierce you through with many sorrows?20300:15:21.870 --> 00:15:27.770Did you know that chasing wealth will get you into schemes and plots and plans that will end to your20400:15:27.770 --> 00:15:28.170demise?20500:15:30.470 --> 00:15:41.590I spoke to a man rather recently who said to me, because of my greed and my pursuit and my20600:15:41.590 --> 00:15:56.330ambition, things began to, I fudged things along the way, and that man was sentenced to 127 years in prison20700:15:58.980 --> 00:15:59.820because of money.20800:16:02.230 --> 00:16:10.970And now the Lord's got a hold of his beautiful heart, and he's telling people and writing to people saying,20900:16:12.050 --> 00:16:14.970seek God first, do not love money.21000:16:15.690 --> 00:16:17.990What about 2 Thessalonians 3, verse 10?21100:16:18.910 --> 00:16:27.790For even when we were with you, we commanded you this one thing, if anyone will not work, if anyone21200:16:27.790 --> 00:16:30.770will not work, neither shall he eat.21300:16:32.630 --> 00:16:39.390I believe this principle needs to be, this should be the verse that is embossed in the front of the21400:16:39.390 --> 00:16:50.630United States Federal Office of the Social Security Office, the US Treasury, Health and Human Services.21500:16:52.610 --> 00:16:58.690If you have the ability to make money with your hands, and you do not, you should not be given21600:16:58.690 --> 00:16:59.310food.21700:17:01.540 --> 00:17:02.500The Bible says that.21800:17:02.580 --> 00:17:08.640If you're a bum, the Bible says, let the guy who's a bum, let him get hungry enough, he'll go21900:17:08.640 --> 00:17:09.099to work.22000:17:11.260 --> 00:17:12.700Man, is this tough love or what?22100:17:13.220 --> 00:17:14.500No, it's not tough love.22200:17:14.960 --> 00:17:16.000It's a normal way of living.22300:17:16.660 --> 00:17:19.000Look, I'm old, but I'm not a dinosaur.22400:17:19.660 --> 00:17:30.260I grew up in a non-Christian home that had enough sense that my dad's instruction to us was, only22500:17:30.260 --> 00:17:32.420spend what you have.22600:17:34.800 --> 00:17:35.920Save what you can.22700:17:38.210 --> 00:17:40.630Put away a little bit here and there along the way.22800:17:43.780 --> 00:17:46.080That was from a non-Christian home.22900:17:47.740 --> 00:17:54.740And I, since the day I was able to acquire money from my first job at the age of 1523000:17:54.740 --> 00:18:01.320in the summer, summer job working at a grocery store, did exactly that.23100:18:02.760 --> 00:18:04.740In fact, can I insert this at this moment?23200:18:04.860 --> 00:18:14.990I know I'm eating up time here, but this is kind of personal, but I'm telling you this because it23300:18:14.990 --> 00:18:16.730will make things better for you.23400:18:16.810 --> 00:18:19.150I don't care how old you are, or I don't care how young you are.23500:18:20.550 --> 00:18:27.570So if I started at the age of 15, like a squirrel putting nuts away in a tree, I can23600:18:27.570 --> 00:18:34.910tell you right now that I took my dad's advice on that, and I started putting away nickels, quarters, and23700:18:34.910 --> 00:18:40.160dimes that eventually graduated out of a can.23800:18:41.440 --> 00:18:51.080And in my dresser drawer, I started hiding an envelope and I would put dollars in an envelope and I23900:18:51.080 --> 00:18:51.580would save up.24000:18:51.700 --> 00:18:52.960I'm sorry, fighting something.24100:18:56.100 --> 00:18:59.360I have done that since I was 15 years of age.24200:19:01.310 --> 00:19:09.990The last time I checked, I have an envelope and that envelope has a date on it.24300:19:10.090 --> 00:19:17.350And I think it's 1979 that I've been putting money in that envelope.24400:19:19.360 --> 00:19:21.680Now today in the modern age, you don't have to use an envelope.24500:19:22.500 --> 00:19:25.740There's great apps like Capital with a Q, Capital.24600:19:26.600 --> 00:19:29.420There's many apps on how to save money.24700:19:32.550 --> 00:19:40.630But why am I saying this is because if you're faithful in a little bit, God will give you the24800:19:40.630 --> 00:19:46.210honor and the ability to be faithful with a little bit more, and then a little bit more, and then24900:19:46.210 --> 00:19:47.250a little bit more.25000:19:47.670 --> 00:19:54.870And you discipline yourself because I promise you this, if you've got $20 in your hand and you break it25100:19:54.870 --> 00:19:59.070up and you take $5 of that and put it in an envelope or put it in a bank account25200:19:59.070 --> 00:20:03.330and put it away, forget about it, you won't spend it.25300:20:04.970 --> 00:20:09.750And by the way, there's apps today, like I said a moment ago, where if I go get $10 worth25400:20:09.750 --> 00:20:17.910of gas, I have set my app to pay that gas bill, but also it sends the equal amount of25500:20:17.910 --> 00:20:18.310gasoline.25600:20:18.770 --> 00:20:20.290I paid $10 for gas.25700:20:20.490 --> 00:20:22.210It turns around and it sends $10.25800:20:23.150 --> 00:20:25.310I pay myself in a savings account.25900:20:25.930 --> 00:20:30.470These are disciplines that are gloriously beautiful and it accumulates.26000:20:31.850 --> 00:20:33.650And God will bless you with that.26100:20:34.430 --> 00:20:37.170Management, little faithful in little make you faithful in more.26200:20:37.710 --> 00:20:39.810Young people start that today, watch what happens.26300:20:40.970 --> 00:20:46.330But I love how the Bible says if you're able-bodied, if you can make money and work, if you26400:20:46.330 --> 00:20:50.350don't, you're not going to get any handouts.26500:20:51.290 --> 00:20:58.490If that happened today, a bulk of America's economic problems would be solved in a weekend.26600:20:58.910 --> 00:20:59.490Did you know that?26700:21:00.090 --> 00:21:04.910This nation suffers because it pays people not to work.26800:21:05.490 --> 00:21:09.550And that is a Godless antiChrist concept.26900:21:10.430 --> 00:21:13.610You don't work, you're not going to get any food.27000:21:14.210 --> 00:21:18.910To those who can't work because they are debilitated, wounded, injured.27100:21:20.290 --> 00:21:28.030Hey, it's our honor to take care of you gladly because you can't participate that way.27200:21:30.050 --> 00:21:37.630Proverbs 22 verse 7, the rich rules over the poor and the borrower is servant to the lender.27300:21:39.390 --> 00:21:42.750Proverbs 22 verse 7 is a verse that warns us against abuse.27400:21:43.250 --> 00:21:44.970And our nation is full of abuse.27500:21:45.850 --> 00:21:49.990This would probably be a good time for me to talk to you guys about, gosh, look at me, I'm27600:21:49.990 --> 00:21:53.650turning into your parent or to your grandparent.27700:21:56.130 --> 00:21:57.670But that's okay, I guess, right?27800:21:57.850 --> 00:21:59.450If it helps you, super.27900:22:00.570 --> 00:22:04.110But not everyone can receive what I'm about to say.28000:22:06.680 --> 00:22:13.180I know that, oh, I can't think of his name.28100:22:13.340 --> 00:22:13.940You know who he is.28200:22:14.160 --> 00:22:16.680The Christian money guy, whoever he is.28300:22:17.460 --> 00:22:19.680He does not agree with me, but that's okay.28400:22:19.740 --> 00:22:20.980I don't agree with him on this.28500:22:22.200 --> 00:22:28.960In Proverbs 22 when it says, the rich rules over the poor and the borrower is servant to the lender,28600:22:29.660 --> 00:22:40.920I am a massive fan of using particular credit cards that are worthy of my use.28700:22:41.320 --> 00:22:42.200I mean this sincerely.28800:22:42.720 --> 00:22:50.660Folks, now I'm taking off my pastor's hat and I'm putting on my personal hat for Jack's life.28900:22:50.800 --> 00:22:56.400I am not, for the record, I am not a financial advisor, nor do I pretend to be one or29000:22:56.400 --> 00:23:02.560play the role of, but I am a steward over what God has given me, as you should be over29100:23:02.560 --> 00:23:02.800you.29200:23:03.720 --> 00:23:06.500And so, for example, young people listen carefully.29300:23:08.360 --> 00:23:15.220Research the best credit cards that pay the most in points and or dollars back for credit card use.29400:23:16.820 --> 00:23:19.040The best cards are going to have fees.29500:23:19.480 --> 00:23:20.520Don't let that scare you.29600:23:22.160 --> 00:23:26.040If you, for example, I'm just going to go big.29700:23:27.040 --> 00:23:35.200If you, for example, apply for a credit card because you choose to apply for this particular, let's say, I29800:23:35.200 --> 00:23:36.560hope I can say this legally.29900:23:36.940 --> 00:23:37.740I'll make one up.30000:23:40.860 --> 00:23:42.140Amex, American Express.30100:23:42.300 --> 00:23:43.360I'm just using that as an example.30200:23:43.480 --> 00:23:44.320I'm not promoting them.30300:23:45.040 --> 00:23:46.860I'm not doing a commercial for them.30400:23:48.000 --> 00:23:51.380But the annual fee is 500 bucks.30500:23:52.000 --> 00:23:52.420What?30600:23:53.440 --> 00:23:56.340500 bucks to have their credit card?30700:23:56.680 --> 00:23:57.560Hold on.30800:23:58.480 --> 00:23:59.640They're not dumb.30900:24:00.080 --> 00:24:01.660There's a reason why they're charging you.31000:24:02.400 --> 00:24:05.340If you are a young person, this may not be the card for you.31100:24:06.060 --> 00:24:12.240You might want to go with something that the annual fee is 55, 75 or 100 dollars a year.31200:24:13.820 --> 00:24:15.120Why would I do that?31300:24:15.980 --> 00:24:24.760Because every time I use this American Express card, it gives me so many points or dollars for money spent.31400:24:24.900 --> 00:24:37.640For example, if I fill my gas tank up at Shell Oil, I get four points or four dollars for31500:24:37.640 --> 00:24:44.800every dollar spent that is put into or that is in the American Express account.31600:24:46.220 --> 00:24:48.120Fast forward through all of this.31700:24:48.320 --> 00:24:48.740Watch this.31800:24:48.860 --> 00:24:50.000I travel a lot.31900:24:51.020 --> 00:24:53.740And so you know that 500 dollar fee.32000:24:54.520 --> 00:24:56.400Here's how I justify it.32100:24:57.620 --> 00:25:07.120I pay them 500 to have their credit card, but I don't care what their interest rate is, because I32200:25:07.120 --> 00:25:12.920will only spend on that card what I can pay at the end of 30 days.32300:25:13.600 --> 00:25:23.770I use their money to make money, meaning I pay my bill off at the end of the month so32400:25:23.770 --> 00:25:24.690that I'm not charging.32500:25:24.830 --> 00:25:32.310They're not charging me interest, but they just gave me, let's say I spent a thousand dollars on new tires32600:25:32.310 --> 00:25:32.990for my car.32700:25:34.150 --> 00:25:37.850I have that thousand dollars in my pocket, but I'm not going to use it.32800:25:38.270 --> 00:25:43.110I'm going to use the card and then at the end of the month send the money that's in my32900:25:43.110 --> 00:25:48.970pocket to the credit card company because now we just broke even, right?33000:25:48.990 --> 00:25:49.750We're all zeroed out.33100:25:49.850 --> 00:25:50.470They're paid.33200:25:50.610 --> 00:25:51.770I paid for it.33300:25:51.850 --> 00:25:52.490It's done.33400:25:52.670 --> 00:25:57.370But they wind up giving me a thousand or two or three thousand points.33500:25:58.410 --> 00:25:59.850Are you with me at tracking?33600:26:00.770 --> 00:26:07.090The points I use to travel, the points I use for hotel, it's free money.33700:26:07.990 --> 00:26:13.150I will only use a credit card that pays me to use their card.33800:26:14.070 --> 00:26:16.290I use them to make money.33900:26:17.190 --> 00:26:19.190Now, people will say, don't use credit cards.34000:26:19.210 --> 00:26:19.870You'll go into debt.34100:26:20.210 --> 00:26:25.850This is true for people who do not have self-control and for people who do not understand how to34200:26:25.850 --> 00:26:26.910use somebody else's money.34300:26:27.670 --> 00:26:28.810Use the bank's money.34400:26:28.950 --> 00:26:31.390Use the credit card company's money to your advantage.34500:26:31.570 --> 00:26:37.350They are literally banking on you not being a good Christian steward over money.34600:26:37.410 --> 00:26:38.270Does that make sense?34700:26:39.310 --> 00:26:40.530Beat them at their game.34800:26:41.490 --> 00:26:46.950Citibank, Chase, I don't care who it is.34900:26:47.070 --> 00:26:48.090Research for yourself.35000:26:48.670 --> 00:26:50.470But here's the fun thing about this.35100:26:52.210 --> 00:26:54.850I will not become indebted to the lender.35200:26:55.730 --> 00:27:01.990I actually use the lender to capitalize off of their lending.35300:27:03.750 --> 00:27:04.730I hope this makes sense.35400:27:04.830 --> 00:27:05.550It's so simple.35500:27:06.670 --> 00:27:07.530I'm going to, I got to hurry up.35600:27:07.590 --> 00:27:09.310I can't believe it's 26 minutes already.35700:27:09.370 --> 00:27:10.450We've been talking on this stuff.35800:27:10.730 --> 00:27:13.350You said, yeah, but Jack, you still have the $500 problem.35900:27:13.710 --> 00:27:14.870It's a $500 fee.36000:27:15.150 --> 00:27:23.030Not, not a problem at all because certain credit cards, certain credit cards, all I have to do, I know,36100:27:23.050 --> 00:27:25.810I know this like a science because I've been doing this all my life.36200:27:26.330 --> 00:27:27.790For example, here's an example.36300:27:28.470 --> 00:27:30.310$500, I pay a $500 fee.36400:27:30.470 --> 00:27:31.390Do you know what that means to me?36500:27:31.530 --> 00:27:35.530That means I have to rent a car at least four times this year.36600:27:36.490 --> 00:27:41.970If I'm traveling and I rent a car from Hertz, I'm not paid by Hertz to say this.36700:27:42.590 --> 00:27:51.430If I rent the car from Hertz, that particular credit card, the benefit for paying the $500 is I don't36800:27:51.430 --> 00:27:59.090have to pay for any of the liability insurances that they want to charge me every day that I use36900:27:59.090 --> 00:27:59.250it.37000:27:59.350 --> 00:28:00.890It's covered by the insurance company.37100:28:01.290 --> 00:28:02.910Now, not all cards are the same.37200:28:03.670 --> 00:28:04.630You got to research this.37300:28:04.710 --> 00:28:05.490Be very careful.37400:28:05.630 --> 00:28:06.310Be very smart.37500:28:06.850 --> 00:28:08.250Be very shrewd about this.37600:28:08.830 --> 00:28:09.450Apply yourself.37700:28:09.530 --> 00:28:10.250Be a good steward.37800:28:10.830 --> 00:28:13.390But I know my math.37900:28:14.050 --> 00:28:23.980It saves me four car rentals and I am well on my way to, to using that $500 or getting38000:28:23.980 --> 00:28:27.340that $500 back of the fee that I've used.38100:28:27.660 --> 00:28:31.500On top of the fact, any airline, I, I'm not going to tell you cause I don't want to get38200:28:31.500 --> 00:28:31.900in trouble.38300:28:32.720 --> 00:28:39.360But I have a particular well-known credit card that if I book any travel on that card during the38400:28:39.360 --> 00:28:47.220duration ticketed dates of that card, if I die during those ticketed dates of that travel that I used with38500:28:47.220 --> 00:28:54.080that credit card, it pays a $1 million life insurance policy out for the duration of my life.38600:28:54.120 --> 00:29:03.910If I die while using that flight, that train, that plane, that cruise, and the ship sinks because I bought38700:29:03.910 --> 00:29:05.390the ticket on that credit card.38800:29:08.030 --> 00:29:09.270That's one of the perks.38900:29:10.070 --> 00:29:12.470You see what I'm telling you to do as a Christian?39000:29:13.330 --> 00:29:19.030Use God, use money wisely and be a good steward over it.39100:29:19.610 --> 00:29:25.390What I want to do is I want to make enough money to feed my wife.39200:29:26.050 --> 00:29:31.430All my kids are gone now, but I want to lay up a treasure for my children and grandchildren.39300:29:32.990 --> 00:29:41.450But first I tithe to the work of God always first, always first.39400:29:42.130 --> 00:29:43.250That's between me and God.39500:29:43.430 --> 00:29:46.190And I'm not going to tell you what percentage I use.39600:29:46.270 --> 00:29:47.670That's between me and God.39700:29:48.710 --> 00:29:50.590My goodness, we could go on and on about this.39800:29:50.730 --> 00:29:51.950I don't know how much time you have.39900:29:52.010 --> 00:29:53.250I don't even know how much time I have.40000:29:53.310 --> 00:29:55.730I'm going to wait for the producers to start yelling at me.40100:29:57.450 --> 00:29:59.310Proverbs, oh wow, here it is.40200:29:59.730 --> 00:30:03.830Proverbs 13, 22, a good man leaves an inheritance to his children's children.40300:30:04.010 --> 00:30:04.670I just said that.40400:30:05.050 --> 00:30:08.310I didn't even know that was the next verse that was printed out.40500:30:10.280 --> 00:30:15.860Did you know that as elderly people, we are not to borrow or we're not to lean upon our children40600:30:15.860 --> 00:30:16.440for help?40700:30:18.960 --> 00:30:25.840Did you know that as elderly people, we are to have blessed our children so that they are blessed because40800:30:25.840 --> 00:30:29.140we have seen to it that we're not a burden to them.40900:30:30.460 --> 00:30:41.300So in other words, if we got our home and we paid it off, we are now no longer a41000:30:41.300 --> 00:30:45.620burden to our children and our children's children because we'll never be homeless.41100:30:47.060 --> 00:30:53.040Or if you buy us in America, a lot of people can, after they pay their home off, they can41200:30:53.040 --> 00:30:55.580buy a second home or they can reinvest in other things.41300:30:55.860 --> 00:30:56.380That's great.41400:30:57.060 --> 00:30:57.820That's great.41500:30:58.960 --> 00:31:03.000Just don't become a burden to your children or your children's children, but rather a blessing.41600:31:03.600 --> 00:31:05.320President Trump, I don't know if you know about this.41700:31:05.440 --> 00:31:11.220President Trump just initiated the Trump, the Trump, anybody know what that's called?41800:31:11.320 --> 00:31:13.580You guys, the Trump savings account for children.41900:31:14.300 --> 00:31:17.480It's never happened before in the history of America.42000:31:17.900 --> 00:31:26.780Trump initiated the Trump savings plan for children that are born from 1920, from 20, born from 2025 on.42100:31:27.380 --> 00:31:30.420The government puts a certain amount of money.42200:31:31.100 --> 00:31:36.320It's in, I think it's in the thousands, two, three or $4,000, something like that.42300:31:36.840 --> 00:31:37.760Oh, it's $1,000.42400:31:38.260 --> 00:31:42.480The government of the United States of America, Trump said, this is a good idea.42500:31:43.020 --> 00:31:44.580By the way, he did this with his kids.42600:31:44.880 --> 00:31:47.080That's the way he's doing it for you, which is great.42700:31:47.280 --> 00:31:49.180Everybody, you know, I don't care what you think about him.42800:31:50.440 --> 00:31:51.580He did a great thing here.42900:31:53.040 --> 00:31:58.620And kids get a government account with a thousand dollars deposited in it that's managed by the United States government.43000:31:59.300 --> 00:32:01.120And it's tied to the market.43100:32:02.020 --> 00:32:06.720And when they become 18 years of age, they get a note from the United States government saying, you have43200:32:06.720 --> 00:32:10.200this much money now that has earned interest and increased in percentage.43300:32:11.040 --> 00:32:14.100And it was $1,000 that grew in the stock market.43400:32:14.220 --> 00:32:14.880And here you go.43500:32:16.100 --> 00:32:17.040Trump did that.43600:32:17.880 --> 00:32:20.460The Bible said that thousands of years ago.43700:32:22.440 --> 00:32:23.080It's awesome.43800:32:24.820 --> 00:32:26.440And then we'll have to end with this.43900:32:26.540 --> 00:32:33.620My goodness, 31 minutes, Malachi chapter three, verse 10, bring all the tithes into the storehouse that there may be44000:32:33.620 --> 00:32:39.180food in my house, God says, and try me now in this thing, says the Lord of hosts.44100:32:39.580 --> 00:32:45.280If I will not open for you the windows of heaven and pour out for you such blessings that there44200:32:45.280 --> 00:32:47.540will not be room enough to receive it.44300:32:48.240 --> 00:32:49.280Such blessings.44400:32:49.780 --> 00:32:50.720Let me end with this.44500:32:53.340 --> 00:32:54.360What is such blessings?44600:32:55.040 --> 00:32:59.660This is a test, right?44700:33:00.020 --> 00:33:02.660This is a test of the national broadcast.44800:33:03.080 --> 00:33:05.540Listen, this is a test by the national security agency.44900:33:05.660 --> 00:33:06.360This is a test.45000:33:11.280 --> 00:33:17.700Give to God's causes, whatever God's concerned about, and he will return to you blessings.45100:33:17.900 --> 00:33:18.580What does that mean?45200:33:19.060 --> 00:33:21.880If you think money, you're thinking wrong.45300:33:24.040 --> 00:33:25.640I want you to take a deep breath and relax.45400:33:25.780 --> 00:33:26.240Think bigger.45500:33:26.860 --> 00:33:27.520Think bigger.45600:33:28.980 --> 00:33:33.160There's a lot, a lot that's bigger than money.45700:33:34.100 --> 00:33:37.460Put God first, support his work.45800:33:38.540 --> 00:33:40.520He'll bless you back with blessings.45900:33:41.940 --> 00:33:46.860You can have a billion dollars and you cannot buy health.46000:33:47.720 --> 00:33:49.220What if God blesses you with health?46100:33:51.770 --> 00:34:00.320You can have a trillion dollars, but you have rotten relationships with your wife or your husband or family.46200:34:00.680 --> 00:34:01.600You can't buy it.46300:34:03.040 --> 00:34:04.260Two different economies.46400:34:05.180 --> 00:34:05.940You know what God does?46500:34:06.260 --> 00:34:07.620God says, you know what I'm going to do?46600:34:07.920 --> 00:34:08.560Here's what I'm going to do.46700:34:09.420 --> 00:34:16.739Because you put me first, I'm going to bless you back and let him bless you back.46800:34:17.560 --> 00:34:22.340Don't tell him, well, that means I'm going to get a raise.46900:34:22.739 --> 00:34:23.520It could.47000:34:23.820 --> 00:34:25.199I don't care about that.47100:34:25.980 --> 00:34:29.699I'd rather have my life favored by the grace of God.47200:34:30.580 --> 00:34:42.820Good relationships with my kids, grandkids, my staff, the ministries, businesses, people, health, influence.47300:34:44.040 --> 00:34:47.940Come on, you can have all the money in the world and you can't influence anybody.47400:34:49.219 --> 00:34:51.540What if God gives you favor to influence people?47500:34:52.800 --> 00:34:53.659That's precious.47600:34:56.570 --> 00:35:00.530Well, there's one thing that God did not bless us with, and that is with enough time, which means God,47700:35:00.610 --> 00:35:04.310who is sovereign, knows that 34 minutes is time to stop.47800:35:04.970 --> 00:35:06.990So you guys, thanks for joining.47900:35:07.110 --> 00:35:11.010If you'd like to hear more stuff, if you'd like me to expound more on some of these things, was48000:35:11.010 --> 00:35:12.550this too practical to you?48100:35:13.010 --> 00:35:14.970Or what about other topics?48200:35:15.270 --> 00:35:16.590Please, we'd love to hear from you.48300:35:16.770 --> 00:35:18.050Give me ideas.48400:35:18.210 --> 00:35:18.870Give me topics.48500:35:19.370 --> 00:35:20.570I bumped into a kid.48600:35:21.070 --> 00:35:21.750Where was I?48700:35:23.550 --> 00:35:24.810It doesn't matter where I was.48800:35:24.890 --> 00:35:25.810It was very recent.48900:35:26.630 --> 00:35:30.210This young man, I'm impressed.49000:35:30.370 --> 00:35:31.390He's 17 years old.49100:35:31.470 --> 00:35:33.030The guy was like 6'4".49200:35:34.730 --> 00:35:37.830And he said, Pastor Jack, I listen to your podcast all the time.49300:35:37.870 --> 00:35:39.110I said, oh my gosh, that's great.49400:35:39.870 --> 00:35:44.690You just blessed me, man, by saying that you listened to an old guy talk to you about life.49500:35:44.870 --> 00:35:46.890And he said, no, no, man, I'm just loving it.49600:35:47.070 --> 00:35:53.170And I said, you could really do me a favor if you just sent me ideas and questions and thoughts49700:35:53.170 --> 00:35:55.010from your generation that you represent.49800:35:55.010 --> 00:35:56.390He said, I'd love to.49900:35:56.470 --> 00:35:57.010I'm going to do it.50000:35:57.030 --> 00:35:58.090I said, great, do it.50100:35:58.510 --> 00:36:00.150Please, friend, do that.50200:36:00.290 --> 00:36:01.250What do you want me to talk about?50300:36:01.530 --> 00:36:02.610From a biblical worldview?50400:36:03.110 --> 00:36:04.310What do you want me to talk about?50500:36:04.670 --> 00:36:10.430This is something we just got done talking about that otherwise did not look like a biblical worldview issue, did50600:36:10.430 --> 00:36:10.670it?50700:36:11.350 --> 00:36:16.750And look how much in a short period of time does the Bible talk about you and I staying clear,50800:36:17.630 --> 00:36:23.810dangerous, free from, on guard against the love of money?50900:36:24.810 --> 00:36:25.030Nope.51000:36:25.730 --> 00:36:30.210The Christian call is be wise to use money.51100:36:30.910 --> 00:36:35.250If it's even a widow's might, a little bit.51200:36:35.970 --> 00:36:39.990Be faithful in that, and God will make you faithful in more.51300:36:40.750 --> 00:36:41.950And that's not just money.51400:36:42.590 --> 00:36:45.070Make you faithful in more of life.51500:36:46.370 --> 00:36:47.850Until next time, God bless you guys.51600:36:52.120 --> 00:36:57.880This Jack Hibbs podcast, as well as all the broadcast outreach opportunities are listener supported.51700:36:58.440 --> 00:37:01.440Will you consider partnering with us through a special gift?51800:37:01.660 --> 00:37:06.740Go to Jackhibbs.com to learn more and stay connected.