Participants: Yvonne Lewis (Host), Ryan Mack
Series Code: DAS
Program Code: DAS000003A
00:30 My name is Yvonne Lewis, and I'm the co-host for this
00:34 program, and our primary host is Ryan Mack,
00:37 Financial Literacy expert. Yeah, Ryan!
00:40 Always good to be with you.
00:41 Oh, it's great to be with you!
00:43 These lessons on financial literacy are just powerful
00:47 Right, I mean this is a...
00:49 We have a lot of things to cover, and the bottom line is
00:52 so many ways that the Scripture is
00:54 empowering our lives.
00:55 And I just feel very blessed to be here.
00:58 Yeah, you know, I love the fact that each program starts with a
01:02 Scripture, because it just reinforces the idea that
01:07 Scripture is relevant.
01:08 That we don't have to think, Oh, you know,
01:11 the Scriptures back in the day.
01:13 No, Scripture is relevant for today.
01:16 And so we can really find everything you need
01:20 is right in the word.
01:22 All you have to do is search.
01:25 God has given us everything we need.
01:27 So we're going to start today with the Scripture,
01:30 and then Ryan's going to take us into our lesson.
01:33 We have the Scripture for the day, again as a financial base,
01:37 but Galatians 6:9, because the theme of the day
01:40 is Singles Struggles.
01:42 And there are a lot of parents out there who are raising their
01:47 children by themselves, men and women.
01:49 I was raised by a single parent.
01:52 You said you were a single parent at one point.
01:55 And, again, I don't have any children, but I can't imagine
02:00 how challenging it would be.
02:01 So I found this Scripture that I think that, hopefully,
02:05 it resonates with those individuals out there.
02:08 And, hopefully, it resonates with you out there.
02:10 So this is Galatians 6:9.
02:21 And, you know, I just thought about my mother when I
02:25 read that Scripture.
02:27 And, you know, raising two kids by herself, and the things that
02:31 she had to go through.
02:32 And, again, I would see her sometimes make this sigh,
02:35 sometimes when she'd get home from work: that Ahhhh!
02:39 You know? And then she would go and make dinner.
02:41 And at the time, I remember just as clear as day, she had to be
02:45 making maybe $13,000 or $14,000 a year.
02:50 And here she has these two children that
02:52 she has to provide for.
02:53 And it doesn't stop.
02:55 I mean, our stomachs don't not get hungry.
02:58 We have to eat, we have to, we have clothes, and we have
03:03 to have a roof over our heads.
03:04 So the responsibility is constant, even...
03:07 I just couldn't imagine that.
03:10 So, I mean, were your experiences similar?
03:13 Or how was it being a single parent?
03:16 I mean you have a different perspective on it obviously.
03:18 Yeah, for me when I was a single parent I had already had a
03:25 career, and so, and that career had been pretty lucrative,
03:30 so financially I was okay.
03:32 I had different times of having issues because
03:36 I was self-employed.
03:38 But you still have so many responsibilities,
03:42 and so many things.
03:44 Because you're juggling.
03:45 You're wearing all these different hats.
03:47 So you're Mom at home.
03:49 You're a professional person outside the home.
03:52 And you have to make sure that you... for me...
03:56 I mean I grew up in kind of a traditional home where the wife
04:00 cooks, and, you know, makes sure her children are fed.
04:04 And so that's what my Mom did for me,
04:06 and she was a professional woman.
04:09 So I had to do that for my children: make sure that they're
04:11 fed, make sure that I help them, and teach them lessons.
04:16 And yet I had to wear that other hat, too, because I'm the mother
04:20 and the father in the home.
04:22 Thankfully my boys were close to their dads.
04:26 But still I was mom in the home, and I had to make sure of that.
04:30 So you're wearing all these different hats, and it is really
04:33 not an easy thing.
04:35 Well, I was close to my father as well, but again,
04:38 seeing him every other weekend is a little bit different than
04:43 constant and consistent.
04:45 I remember my mother would tell us stories about
04:48 how she had to budget.
04:50 And she would go, again she didn't have a lot of money,
04:54 so she would go over to the rich part of town in Detroit, right?
04:59 And she would look at the Somerset Malls.
05:01 And that's one of the fancy malls in the suburbs of Detroit.
05:06 And she would window shop at these malls,
05:08 but she couldn't afford to buy anything.
05:10 And then she would go back on her side of town where we lived
05:14 and she would go to the thrift store.
05:16 And the same thing she saw in the window of the fancy stores
05:21 she would buy in the thrift store, or something close to it.
05:24 Wow! So, you know, it might be a 3 or 400 dollar outfit that she
05:28 would buy for 5 and 10 dollars at the thrift store.
05:31 And I remember the days of Wonder Bread Pizzas,
05:36 and government cheese, and tomato paste,
05:39 and all those things, and that was our pizza.
05:42 And our movie night was watching the black and white screen.
05:46 And my brother and I would rotate between who held the
05:49 antenna, the wire antenna in the television.
05:53 And we would go to the dollar movies, get the fifty cent
05:57 popcorn, and then bring the popcorn back home,
06:00 and watch it on the black and white television
06:03 for movie nights. Wow!
06:04 So I remember those days, and I didn't really have a
06:10 perspective of exactly what she was going through,
06:12 because we were always happy, we always had food,
06:16 we always had clothes on our back,
06:19 and a roof over top of our head.
06:20 And one thing I learned that my mother taught
06:24 me was contentment.
06:26 And I've said this before, but I think it bears repeating, that
06:31 contentment does not mean I'm happy to be broke.
06:33 Ha ha ha! Well, you have to say that again.
06:37 Contentment does not mean I'm happy to be broke.
06:40 Uh huh. Contentment means that despite my state, I can smile.
06:44 And I can smile not because I'm happy with my state,
06:49 but I'm happy in my state.
06:51 What a great differentiation here. It is.
06:55 Because that saying, you know, because Paul tells us to be
07:01 content in whatever situation we're in.
07:03 But I love the distinction here, because it's not being content
07:10 with it, it's being content in it.
07:13 Meaning that you can change that state.
07:16 And she, and I learned a lot.
07:19 My first financial lessons came from my
07:23 mother and that situation.
07:24 She eventually got a new job, and then she was
07:28 dressed nice all of the time.
07:29 So she moved up the ladder of success, and she eventually
07:32 became the first black female Director of Admissions at any
07:36 public university in Michigan.
07:37 She bought her own home.
07:40 And it was amazing just seeing her do that.
07:43 And in looking back on it I started, I said, Wow! You know,
07:46 what she really had to do a lot of things.
07:48 And again, my father was there as well.
07:50 But again, it's just to be that single parent where you can't
07:57 take a nap. That's right!
07:59 And I mean, I can't imagine not being able to take a nap.
08:02 I just... So I think about that.
08:05 I think about the many single parents all across this country
08:08 who are doing such tremendous work.
08:11 I have a good friend of mine, Kenyetta Campbell, and she is
08:15 actually running not one but two non-profit organizations
08:18 in the city of Detroit.
08:19 And she's doing a great job!
08:21 She has two children, and she's very successful.
08:25 She just won Organization of the Year, and all the while
08:30 being a single parent.
08:31 And so there Chanel Jackson, who just had a child,
08:35 who is now eleven months old, and she is very successful;
08:39 used to be a State Rep. and is also a single parent.
08:43 I mean the list goes on and on and on of people that I think
08:47 are just doing amazing feats.
08:49 They're doing heroes work, or heroines work, and I think they
08:54 need to be commended.
08:55 And I just wanted to dedicate this show to them and see if we
08:57 can just provide some sort of a guidance and tips about,
09:00 that can give them a little bit of light, to maybe give them
09:04 a little bit of assistance.
09:06 That's great! And there are some dad's, too, who are raising
09:09 their children without the mom.
09:12 It's more prevalent to be a single parent female,
09:16 and raising children.
09:18 But there are some dads who are also raising children.
09:23 And it, you know, when you're doing it you often feel like
09:28 this is a two parent thing.
09:29 This should really be a husband and a wife.
09:32 But it doesn't work out that way all the time.
09:36 And so, you know, you just do the best you can.
09:40 Right. You know, but God is there.
09:43 And I know with me, with my children, God was there
09:46 and provided for us, and made sure that I was working.
09:49 And we had some hard times, too, from time to time.
09:53 But the Lord was... He always provided.
09:55 And that's one thing that, you know, if you're going through
09:59 something, a struggle, you can always turn to God, and He will
10:02 direct you as to what to do; how to navigate
10:05 through that dark time.
10:07 The Lord will show you that.
10:09 And the Lord was in our household every single second
10:13 of us growing up. I could feel Him.
10:16 I can just thinking back on the many experiences that we've had,
10:19 and I think that planning, that being able to have that
10:25 attention, that love, all of these things are found
10:28 in the word of God. Uh hum.
10:30 And, again, you can go to a counselor, and many single
10:35 parents do, and I have many times advocate individuals
10:38 going to the divorce attorneys.
10:40 But this word is the greatest counselor that we could have.
10:44 And its... I just urge... My mother still to this day she
10:48 said she reads a Scripture every single day. Uh hum.
10:51 And she'll tell me what she read for that day.
10:54 And I think that gave her that grounding, that foundation
10:58 just to make it through.
11:00 Absolutely! You have to have, you have to be anchored
11:03 to make it through.
11:05 Absolutely! So I have a few tips. Okay, good.
11:08 The first tip is creating a road map for your life. Right?
11:13 And, again, this is really all about the foundation.
11:16 That many newly single parents who've just recently been
11:20 divorced are really just out there, and don't necessarily
11:23 know the direction that they're going to have.
11:25 I think that there are many divorce counselors who have
11:29 said you have to have consistent and non-negative communication
11:33 with the spouse, or the previous spouse.
11:35 Making sure you're talking, and making sure you're not
11:39 condemning the other individual in front of the child.
11:44 And also making sure that you have a post marriage
11:48 vision for your life.
11:50 What are? And many individuals can be, and I've seen,
11:53 I've done, and I'm a financial adviser, but many individuals
11:57 who've come to me, they come to me for financial concerns,
12:01 but sometimes they'll think I'm actually a counselor,
12:03 a marriage counselor.
12:05 And I'm not! I'm not a marriage counselor.
12:07 And I'll try to give the best advice I can without violating
12:10 any laws, but I don't, I'm not trying to delve into that.
12:15 But they end up saving, Hey Ryan, I'm emotionally in a rut
12:20 right now, and I just don't know what I'm supposed to do.
12:22 And I've seen men and women do that.
12:24 You know, Ryan, you touched on something that I think is really
12:27 important to kind of expand on.
12:30 And that is you have to have a plan for how you are going to
12:35 communicate with that spouse, with that other
12:37 parent post-divorce.
12:40 Because if you don't, if you're running down that parent
12:43 to the children, that's so negative.
12:47 That damages the children.
12:48 If you use the children as a pawn that damages the children.
12:53 If you're using, you know, putting them in between,
12:55 or dogging the other parent, that is so,
13:00 it's so unhealthy for the children.
13:03 The best thing to do is to find a way to co-parent.
13:07 Because that way... The children didn't ask to come
13:11 here, and they're here.
13:13 And so they have to be nurtured.
13:15 And so they have to be in an environment that is nurturing.
13:18 So if you have baby mamma drama, or the dad is a deadbeat dad,
13:25 or whatever, that's... you guys have to work it out.
13:28 Yes, absolutely. You have to work it out.
13:30 And your point's very well taken.
13:33 Again, I've seen a lot of individuals just kind of get
13:36 stuck, and many individuals who are saying, you know,
13:39 they're not going to pursue, for single parents out there,
13:44 they're not going to pursue financial
13:45 support for their child.
13:47 And I think that's a huge mistake.
13:49 It's a huge mistake because it's not about the emotional
13:54 decision at this point.
13:56 It's about the logical decision that your child
13:58 has clothes, has food.
14:00 And if you don't need a dime of that money, and if you...
14:03 and all your bills and everything is provided for,
14:06 then you can take that financial support you're receiving
14:09 from that spouse and put it into a 529 Savings Plan.
14:12 So there's always something that you can do with that
14:16 additional support, whether it's current needs, if those needs
14:19 are provided, and you have everything under control.
14:21 Then good for you. But then there are future needs that you
14:24 could be putting more money into to make sure your child
14:27 has college expenses, and all sorts of things.
14:29 I mean whatever it is, we have to be logical, and be very
14:33 fiscally responsible as we're planning for our children.
14:37 You know, again, that is another really important point.
14:41 Because both of you were responsible
14:45 for that child being here.
14:46 So why should one parent bear the burden,
14:51 of the financial burden, of doing all of the care for
14:55 that child, and the other one just goes scot-free to have
15:00 another family somewhere?
15:01 No, that responsibility, if the other parent is not showing
15:07 responsibility, then you have to sometimes help that along,
15:12 I think. Exactly. And so, you know, if you need to get some
15:17 assistance, legal assistance, you get it.
15:19 And now I'll throw in another touchy issue that relates to
15:23 a single parent, but it also relates to high
15:26 incarceration rates in the U.S. for black and white households.
15:30 I do a lot of counseling in prisons.
15:33 And many individuals in prisons don't like to
15:37 have a bank account.
15:40 And they'll tell you they don't want to have a bank account
15:42 because it leads to child support.
15:44 If they have to give their Social Security number they'll
15:47 be able to locate how much money they're having,
15:49 and they'll be getting their wages garnered.
15:50 So what they'll do is they'll try to stay outside of the
15:52 system in order to avoid paying child support.
15:56 These are people who are incarcerated?
15:58 Who are incarcerated, and will soon to be released.
15:59 And when they're released, and they're back into society,
16:02 they try to do everything in the world to...
16:04 And this is a very common problem that I've seen.
16:07 And if you talk to any warden, or a correctional officer,
16:10 they'll say the same thing.
16:11 When people get out, there are many individuals, if they have
16:14 children, don't want to get on record.
16:18 And so henceforth they will begin to use check cashing
16:22 facilities so they don't have to get a checking account.
16:25 They'll get prepaid debit cards so they don't have to register
16:28 with the... have their Social Security number registered.
16:32 And all these things again are contributing to this perpetual
16:35 underclass of society, because that particular parent
16:39 didn't want to pay for their child.
16:41 Now they're trying to stay outside the system,
16:43 can they ever buy a home?
16:45 Can they ever start a business and get a loan?
16:48 And all these things that individuals in, I guess,
16:51 normal communities that are not poverty stricken, or suffering
16:55 from financial woes, they have access to.
16:59 And so what sometimes individuals in underserved
17:02 communities would do things outside of the realm of
17:06 responsibility that keeps all of us down.
17:08 So these tips, again, I just want to reiterate these are tips
17:12 that I want individuals to use to face the responsibility
17:17 and obligation head on, whether you're a single parent,
17:18 If you're... whether you're a single parent, or if you are not
17:23 rearing a child directly, you still should have some
17:26 responsibility of raising that child. Absolutely.
17:29 So the next tip is controlling spending and having fun.
17:34 A lot of times, again, we would go, I remember one of the trips
17:39 that we had, because my mother did budget, we went to Canada.
17:45 And there was an Indian Reservation in Canada that
17:48 we just wanted to just go visit.
17:50 And the reason that we chose that was because my brother and I
17:54 chose to go to this Indian Reservation in Canada.
17:56 There's no reason for that, no rhyme for that.
17:59 But the biggest reason for that, from my mother's perspective,
18:01 was it was free, outside of the little small cost that
18:04 goes across the border.
18:06 And so it was cost effective for us to take that trip.
18:09 That was our trip, right?
18:10 And so we went up to this Indian Reservation.
18:13 And we just saw a bunch of corn.
18:15 And didn't really see a lot.
18:17 We heard a strange noise, and I got scared
18:19 and said, Let's go home.
18:20 But that was our trip. Uh huh.
18:23 That was our fiscally responsible trip that my mother
18:25 could only afford to make.
18:27 So I urge everyone, we need to start learning how
18:29 to write our budget down, you know.
18:31 How much are you spending?
18:32 And the simple process for forming a budget is to
18:36 write down an estimated budget, and how much you think you're
18:40 going to spend that month.
18:41 Then go do a thirty day spending diary,
18:43 and how much do you actually spend.
18:45 And every single day you throw a penny in the well.
18:47 Write it down in your thirty day spending diary.
18:49 And then you write down an actual budget at the end
18:52 of that thirty days.
18:54 I've never met a person that goes through this process
18:55 and not say, Wow, I didn't know how much money I spent on this
18:58 grocery, or that bill, or these expenditures.
19:01 And so... and then we have to start learning about patterns
19:05 and habits of how other people are trying to make
19:07 us break our budget.
19:08 For instance, never shop when you're hungry.
19:12 Never shop when you're bored.
19:14 Never shop when you are overly emotional or happy.
19:20 You know, what is the first thing individuals do?
19:23 Says, You're sad, you just broke up?
19:25 Girl, let's go shopping!
19:27 You know there's, these are certain things that happen that
19:29 cause us to start spending money irresponsively,
19:32 and breaking our budget.
19:34 So we have to start learning how to not break the bank.
19:36 Make sure we have all the... Budget breakers can easily be...
19:40 Are we having coupons?
19:42 They have extreme coupons.
19:44 Individuals go out and clip a lot of coupons.
19:46 And saving a lot of capital by just saving money
19:49 at the grocery store every single day.
19:51 That is so true! And you know, some of these loyalty programs
19:54 like I know I get, because I'm kind of like Kroger addict.
19:59 So I'm in Kroger a lot, which is a local grocery store.
20:03 And they track your spending patterns.
20:07 And then they see, Well, you bought organic celery. Right.
20:12 So they'll send you a coupon for that.
20:14 So the next time you get it, you can save fifty cents on that.
20:17 And before you know it that adds up.
20:19 And you can save some money on your spending
20:21 just by using coupons.
20:23 Absolutely, absolutely!
20:25 And another financial tip that I like to give single parents is,
20:28 have you organized and reevaluated your
20:31 financial documents?
20:32 I think this is key.
20:35 Is your life insurance up to date?
20:36 Many times the individual that you just divorced from still is
20:41 the beneficiary of that life insurance policy.
20:43 Do you want to keep that individual for that beneficiary?
20:46 Do you have enough coverage for your child?
20:49 There are many times you might be able to have a divorce
20:52 attorney to simply draft up a good custodial agreement
20:56 that will allow you to be the owner.
20:57 If you are the custodian to make sure that you're the owner of
21:01 that policy that your spouse was paying for.
21:04 So all that's necessary.
21:05 Do you have a good divorce attorney?
21:07 Do you have a good attorney to look over all your documents?
21:09 Is your 401K 43B up to date?
21:11 Do you still want to have your spouse to be the
21:13 beneficiary to that?
21:15 All these things and more: your estate plan,
21:18 and obviously you need to revise your will.
21:20 And you need to look at the estate plan, needs to have a
21:22 living will, health care proxy, durable spring of
21:25 financial power of attorney.
21:26 All of these things up to date.
21:27 Maybe your spouse that you just divorced from
21:29 was your health care proxy.
21:31 The agent appointed him and health care proxy.
21:33 Maybe your spouse was your power of attorney that you stated
21:37 to be your attorney in fact to carry out your wishes.
21:39 Do you still want that individual to have that
21:42 same responsibility?
21:43 All these decisions need to be made to make sure that your life
21:48 is firmly in order.
21:50 Um! That's really good.
21:52 You are basically just taking control of your life,
21:57 and actually you definitely need to check back.
22:01 Because I received documents that my ex-husband is still
22:08 on one of my former health plans. Right.
22:12 And it's just, you know, it doesn't make any sense.
22:16 There are so many clients that I've worked with over the years
22:19 who something happened and the next thing you know,
22:23 their beneficiary was their spouse, and they didn't
22:27 even know about it.
22:28 I mean I had one case, one individual had their beneficiary
22:32 as their spouse; was divorced years ago.
22:34 She passed away, and now they looked at the document to see
22:38 where the 401K went, and the life insurance policy,
22:41 and she had stated numerous times that she wanted the
22:48 policy, the benefits to go to her children.
22:50 Well, again, that became a huge debate.
22:53 They had to go to probate, and eventually the policy
22:56 usurped the will, because in the will she left all those
22:59 assets to her children.
23:00 But these things usurp the will.
23:02 Your 401K statements, the life insurance policies, usurp above
23:06 and beyond what the will states.
23:08 So it was a huge battle, and it didn't end favorably for her.
23:12 But just all she had to do, every single two years,
23:14 married or not actually, you should be updating your
23:17 documents on a regular basis.
23:19 Absolutely. Take control.
23:22 Do that budget. Look at your old documents.
23:26 Make sure that you know where you're going, where you want
23:29 to go, and make sure you know where your money's going.
23:32 Right. Because a lot of times you just don't know.
23:34 And another tip that I have here is setting up an emergency fund.
23:37 You're a single parent now.
23:39 You're essentially living on your own.
23:42 Your liquidity is very important.
23:44 Any additional windfall I'd advise you to put into a
23:47 liquidity cash account to make sure if you have any emergencies
23:50 your income into the household is probably not as
23:54 plentiful as it was before.
23:56 So have that 9 to 12 months of living expenses saved up.
24:00 And then you want to make sure you capitalize
24:02 on your tax breaks.
24:03 There are many tax breaks that we can have out there,
24:05 because individuals, if you're earning under $75,000 a year,
24:08 you might be eligible for an additional $1,000 a year for
24:11 additional tax break for each individual child that
24:14 you're actually rearing.
24:15 All these things that... earned income tax credit.
24:17 It's a huge thing to individuals.
24:19 If you, many individuals we, I worked with an organization
24:23 called Operation Hope.
24:24 And this organization essentially helps for free.
24:27 And many organizations do similar work.
24:28 Help for free to discern exactly how much money is being left
24:32 on the table by earned tax credit.
24:34 You have the obligation that they pay you for working.
24:38 And if you're under a certain income level, up to three years
24:41 in the arrears, you can get a free check from the government.
24:44 We've had individuals who walk out of the offices of
24:46 Operation Hope with maybe as much as $9,000 in arrears of a
24:52 check from the government.
24:53 And then lastly, consider a new career.
24:55 Possibly you might want to expand to get
24:57 additional education.
24:58 And most importantly, ask for help.
25:00 You are not by yourself.
25:01 Absolutely. Ask for help, and ask God for help.
25:04 Absolutely. And God is right there.
25:06 You are not alone.
25:07 That's right. Keep Him in the midst.
25:09 Well, you have the take away for us.
25:10 I sure do. I have some things I have to get off my chest.
25:13 Alright, good!
25:21 There is no question about the sanctity of marriage.
25:24 The word clearly says in Hebrews 13:4, Let marriage be held
25:28 in honor among all.
25:29 In an ideal situation we would have a husband and a wife
25:33 in the household together to raise a child.
25:35 We serve a perfect God, but the world isn't always perfect.
25:38 There are many, in and out of the church, who are raising
25:41 children as single parents.
25:43 Two parents households are on the decline in the U.S.,
25:45 while we are seeing spikes in the divorce rates.
25:47 According to the Pew Research Center the percent of children
25:51 living in a two parent household in the 60's was 73%.
25:54 By 2014 the percent of children living in two parent
25:58 households was 46%.
26:00 Single parent households increased almost 300%
26:03 in the same period.
26:04 To the community we must address all issues in a loving way.
26:08 We can seek solutions to the increasing divorce rates as well
26:12 as make sure that those single parents always feel welcomed,
26:15 love, and their needs are being addressed as well.
26:18 To the parents, I'm not a parent.
26:21 I have no children, so I can't pretend to know what
26:23 it feels like to have the responsibility of raising a life
26:27 every single day, let alone to have to do it all by yourself.
26:30 However, I do know I have a God who loves everybody.
26:35 I remember the days my mother, a single parent herself,
26:38 would be tired and just be seeking rest.
26:41 I was too young to recognize what that post work,
26:43 just getting home haaaa really meant.
26:48 Right before she began to cook dinner, and started her second
26:50 job, raising two children.
26:52 It says in Matthew 11:28, Come to me all who labor and are
26:58 heavy laden, and I will give you rest.
27:00 We at Dollars and Sense aren't so naive to believe that a few
27:04 financial tips will make all your problems disappear.
27:08 We only pray you can find some solace from the use of this
27:11 information to lighten your load a bit.
27:12 If you know nothing more, you know that you have people out
27:15 there who really care about you.
27:17 Please know that you are in our hearts, our minds, and prayers,
27:22 as you take on one of the most important tasks:
27:24 rearing the next generation.
27:25 Please reach out to Dollars and Sense.
27:27 Please feel free to email us at Dollars&Sense@3abn. org
27:33 or visit us on Dare to Dream Network on Facebook
27:35 if you feel that there's anything we can do to assist
27:38 your journey, but you are not alone.
27:40 As it says in Joshua 1:9, Be strong and courageous.
27:44 Do not be frightened, and do not be dismayed,
27:47 for the Lord your God is with you wherever you go.
27:51 Take care of yourself and each other.
27:53 Be the change you want to see.
27:55 And remember, the purpose of life is a life full of purpose.