Participants: Yvonne Lewis (Host), Ryan Mack
Series Code: DAS
Program Code: DAS000007A
00:02 What is money for?
00:04 Is it a helpful resource to use for good?
00:07 Or is the love of it, the root of all evil?
00:09 Actually, it's both.
00:11 But God may have a different definition of success.
00:15 Real success doesn't come overnight.
00:17 It takes hard work and faithful planning
00:22 to use your dollars well,
00:23 it takes more than a little sense.
00:28 Hi, welcome to Dollars and Sense.
00:31 I'm Yvonne Lewis, your co-host
00:33 and your primary host is Ryan Mack.
00:36 He's a financial literacy expert,
00:38 he's an author, a speaker, teacher,
00:41 every time I say your little bio here,
00:45 I feel like I'm rejoicing.
00:46 I will receive every compliment you give.
00:48 Good, good, good.
00:49 You know, one of the things I love about
00:51 what we're doing here is
00:53 we're showing the relevancy of God's word
00:55 and each program is connected to a scripture.
01:00 So what's our scripture for today?
01:01 The first scripture is Proverbs 23:7.
01:05 And it says this,
01:06 "For as he thinketh in his heart,
01:08 so is he: Eat and drink, saith he to thee,
01:11 but his heart is not with thee."
01:14 This is a very sensitive topic for me.
01:16 And this topic is about incarceration.
01:19 You know, in this country
01:20 we have one of the highest incarceration rates
01:22 in the country.
01:23 In the world. Yeah, in the world.
01:25 Five percent of the world's population,
01:28 about 25 percent of the prison population,
01:31 we have, the prison population
01:32 has quadrupled from 1980 to 2008.
01:36 And it continues to rise.
01:38 And we have essentially a lot of,
01:42 spend a lot of time in prison teaching financial literacy
01:44 and I've traveled across the country
01:46 teaching financial literacy to those
01:48 and really working with those
01:49 halfway houses across the country
01:51 as they've been released.
01:52 And I think that the men and women,
01:55 both alike, I mean, is actually,
01:57 women actually have
01:58 one of the highest rates of incarceration
02:00 increases in the country.
02:01 So women incarceration rates are increasing astronomically.
02:06 I've heard that.
02:07 So we've got to do something about this.
02:09 And I think that Dollars and Sense,
02:11 and what God is providing is one of the best solution.
02:16 And the foundation that I always lead with
02:19 whenever I'm teaching in prisons.
02:22 So I believe that it's a new day coming,
02:26 I believe that there's a lot of bring its inside of prison.
02:29 I believe that... What is that?
02:30 What does that mean, bring it?
02:32 I believe it, a lot of brilliance.
02:34 Oh, brilliance. Yeah, essentially it's a...
02:36 We've got so many individuals,
02:38 I've met so many business owners in prison.
02:40 I've met so many individuals who are geniuses,
02:42 literally, geniuses.
02:44 And many of them have caught bad breaks,
02:46 many of them have done stupid things,
02:47 many of them have just had a hard life
02:50 and had bad opportunity
02:51 but regardless of what the situation
02:53 that made them there,
02:55 whatever that caused them to be there,
02:57 there's redemption in them.
02:59 There's redemption in Christ
03:00 that they can lead them to redemption.
03:02 So before we really get into financial literacy,
03:06 we usually read scripture in prison.
03:08 And we go over that
03:09 and then I relate that scripture
03:11 to physical responsibility principles,
03:12 so when they get out that they can start learning
03:15 how to navigate the financial minefields
03:17 that they're gonna encompass.
03:19 So I mean, we have a video, I was at a small business expo
03:23 and I met an individual named Brian Jones
03:25 and he was arrested for a violent crime.
03:30 And he spent a lot of years in prison.
03:33 And this individual, he inspired me
03:36 that he was able to overcome so many obstacles
03:39 and change his mindset around and he embraced Christ.
03:45 That was the most impressive thing about him.
03:47 He couldn't stop him
03:49 before and after the interview was done,
03:51 just going on and on about Christ,
03:53 and I let him go on and on 'cause I was just,
03:55 the more he talked, the more fired up I would get.
03:58 And it was this one of those conversations
04:00 where he was just a really deep brother.
04:02 Yeah. And so I said, "Man, look..."
04:04 I said, "You inspire me."
04:05 And he had a business and I interviewed him
04:08 and would love to check it out.
04:10 Let's do it. All right.
04:21 This is Ryan Mack,
04:22 Market President for Operation HOPE.
04:24 We are at the small business expo
04:25 hosted by Operation HOPE they're making the rest
04:28 of the Wayne County CRA Association
04:30 and a whole slew of other great resources
04:32 and especially small businesses.
04:34 Now we are here with a special business today.
04:36 What's your name, my friend?
04:38 My name is Brian Jones.
04:39 And I'm the owner of Colby Wayne Clothing.
04:42 Now this is your baby, this is your business.
04:44 And I see you have a great T-shirt,
04:46 "Haters, with Love.
04:48 Thanks for the motivation."
04:49 I'm gonna tell you, I think I need to get
04:51 one of these T-shirts today myself.
04:52 What inspired you to create this business idea?
04:55 Well, it came from incarceration.
05:00 I experienced some unfortunate setbacks
05:03 when I was 18 years old.
05:04 And I became, I got convicted of a violent crime.
05:07 So during the course of my incarceration,
05:10 I was blessed to grow into the understanding
05:12 that God doesn't allow things that happen to you,
05:15 He allows them to happen for you.
05:18 And so I did a lot of introspection
05:20 and while I was doing that introspection,
05:22 I began to examine the things that I was told,
05:25 what I couldn't do,
05:26 what I couldn't be,
05:27 and how, you know, different feedbacks that I receive
05:31 allow me to place the ceiling on over my own development.
05:34 And so once I grow into that understanding,
05:37 it produced a paradigm shift in my thinking.
05:40 And so once that shift became, I began to study myself,
05:45 and invest in myself,
05:46 and I look at the things that I was told as motivation.
05:51 Now a lot of people will say,
05:52 you know, what does God have to do with running a business?
05:56 How does God involve in running a business?
05:59 What would you say to those individuals out there
06:01 who'll say that you don't need God
06:04 to be successful in business?
06:06 I will say that one of the definitions to the word God
06:11 when you look at the Hebrew root, is Elohim,
06:13 which means possessor of force and power.
06:17 All of us have the potential for power
06:20 and we all have the potential to exude and exert force
06:23 that make things happen.
06:25 And so when you look at the Book of Genesis
06:27 which is the beginning,
06:29 one of the first commandments was,
06:31 "Be fruitful and multiply."
06:33 So if a person wants to be successful
06:36 whether it's in business or in any endeavor in life,
06:39 they must first be fruitful
06:41 in the sense of reproducing powerful thoughts.
06:45 And then they must multiply
06:47 in the sense of multiplying those ideas to make it happen.
06:51 Well, I have to commend you because I'm a firm believer
06:55 of using biblical principles in every aspect of life.
06:57 You have done that, you've overcome obstacles.
06:59 And now you have all of these T-shirts,
07:01 what are some words of encouragement
07:03 that you would give to other individuals like yourself
07:05 who'd just need to see somebody be successful
07:07 to make them do what you've done and overcome adversity?
07:11 I would tell in the first, believe in yourself.
07:16 Whether anybody else believes in you or not,
07:18 it doesn't matter as long as you believe in yourself.
07:23 And that's one of the most powerful things
07:25 that a person can have is self belief.
07:28 And the moment that we really grow into that understanding,
07:31 we remove the obstacles that we really placed on ourselves
07:36 from some of the feedback and the circumstances
07:38 that we grew up in.
07:40 So believe in self, be determined
07:43 and, you know, like one of my mentors told me,
07:45 he said, "Don't get ready, stay ready."
07:48 Because you never know
07:49 when opportunity can present itself
07:51 and you have to be ready to take advantage of it.
07:54 Thank you so much for the work.
07:58 All right. Wow.
07:59 That's a Dare to Dream kind of thing.
08:02 You know, because you can get out from under,
08:06 whatever your circumstances are,
08:09 you don't have to let them dictate where you are going.
08:13 But one thing that I wanted to bring up
08:16 that was important to me is the whole idea
08:20 of believing in yourself.
08:22 I think we have to have confidence
08:25 that we can do something,
08:26 but we can do it through Christ.
08:28 'Cause when we start thinking, well, believe in yourself
08:32 and you told me he isn't a Christian guy,
08:34 so that's not the issue that he's not a Christian,
08:38 but it's just like we need to be God reliant
08:44 and have confidence in God
08:47 that we can do all things through Christ.
08:50 Right, right.
08:51 And I think with that, the sky is the limit.
08:54 There's nothing that we can't do.
08:55 With God, all things are possible.
08:58 With Christ, all things are possible.
09:00 But if we try to do things on our own,
09:03 first of all, we don't even know that
09:04 that's part of God's plan.
09:06 So to me, it's all about believing that you can do it,
09:10 just like this brother believed he could do it,
09:14 through Christ, he can do all things.
09:16 Yes, it's more what God esteem as oppose to self esteem.
09:19 Exactly. Right.
09:21 Well, I was definitely motivated by his story.
09:24 And every time I've seen an individual
09:27 who is formally incarcerated, who's overcome,
09:30 you know, and I've met so many, you know, I've met so many.
09:33 I've met individuals like a good friend of mine,
09:36 Yousef Shakur who has started his own business
09:39 coming out of prison.
09:40 And he's a follower of Christ.
09:43 And an individual,
09:44 I've met so many thousands of individual
09:47 that we work within Brooklyn area.
09:50 And they were focused on just looking,
09:54 we need to be self-sufficient, we need to be make sure that
09:58 if we can get these principles, again, coming from scripture,
10:02 learning them and then applying them,
10:05 everything just falls in line.
10:07 So every time, again,
10:09 every time I go into the prison,
10:11 we do a lot of scripture reading,
10:12 we do a lot of meditation.
10:15 And then we get into
10:16 some physical responsibility principles.
10:18 And so I've actually created some tips
10:21 for individuals who are, for different stages of them
10:25 in their lives before they go to prison
10:27 if they've been convicted of a crime or whatnot,
10:30 while they're in prison,
10:32 and then after they are released from prison.
10:34 So I'll give a couple of them here.
10:37 Yeah, please.
10:38 Well, the first tip here is essentially,
10:41 again, before you go to prison,
10:44 you have to get connected with someone that you trust
10:46 because this individual that you're gonna trust is
10:49 what they might be handling
10:50 a lot of your financial affairs.
10:52 So hopefully there is someone who can make sure that,
10:55 again, if you can get an attorney
10:57 to get them to setup a power of attorney for use,
10:59 where they can be the attorney in fact,
11:01 because there are gonna be a lot of things
11:02 that are gonna be unaddressed when you go away to prison.
11:05 Just because you go to prison
11:07 doesn't mean that bill collector stop calling you
11:09 or trying to collect debt.
11:11 Many individuals I've heard of, or I've seen personally,
11:14 they've gotten their cars repossessed,
11:16 they've gotten home foreclosed on,
11:19 all these things because they were not able
11:20 to handle their financial affairs.
11:22 So before you get to prison,
11:24 you wanna make sure that you have a person
11:25 that you can trust, will make sure
11:27 you set up power of attorney.
11:28 You wanna make sure you have a joint bank account
11:30 with an individual that they can put money in that account
11:33 where they can handle your affairs for you
11:34 out of that account,
11:36 where they can do things outside of prison.
11:38 You wanna make sure you contact your creditors
11:41 before you go to prison.
11:42 Lot of times creditors just don't know
11:44 that you're being incarcerated.
11:46 So you're going into prison
11:47 and the debt still continues to run.
11:50 And I've see a lot of inmates,
11:52 they'll say, you know, "Well, I just wanna wait,
11:54 and I'm gonna spend enough time in here,
11:55 by the time I get out,
11:57 then I'm not gonna hold this debt."
11:58 Well, that's not always necessarily the case.
12:00 So we wanna make sure that even before and I know that,
12:03 it could be the last thing you're thinking about
12:05 before you go away.
12:07 There are some things you really have to do.
12:09 You know, that is such a good point.
12:11 Sometimes you're sitting, waiting to go to trial.
12:16 Your bills aren't being paid. Exactly.
12:18 You know, and you lose your job,
12:21 you can lose your apartment, you can, or house
12:24 because you're not paying your bills
12:26 and then you might be found innocent
12:29 but you've lost everything.
12:30 Right, exactly.
12:31 If you don't have somebody on the outside to do those things,
12:37 to cover those things for you, you can really be messed up.
12:41 You know, I wanna go back to something you said.
12:43 You said that you with the people,
12:46 with the inmates you do meditation,
12:48 teach them the word, they're meditating on the word, right?
12:51 Okay, because sometimes people will think
12:53 this meditation is transcendental meditation.
12:56 No, he's not talking about that.
12:58 So meditating on the word of God...
12:59 It's prayer. Yes, yeah.
13:01 I haven't tried the other type of meditation
13:04 but well, I do consider prayer to be meditation.
13:08 You pray, and you're listening to God,
13:09 and it's an opening a channel to God and allowing Him,
13:12 you and Him to have a candid conversation.
13:15 Okay, okay.
13:16 I just wanna make sure because some people will wonder
13:19 like, "Is he talking about like Eastern meditation?"
13:22 No, no, no. No.
13:24 We don't recommend that on Dare to Dream, so...
13:26 No, I've never tried that. Yeah, yeah, yeah.
13:28 So we have to have somebody on the outside that we can trust.
13:34 And we can look to handle things while we're gone.
13:38 Right, and there are services out there
13:40 where they can give free legal services.
13:44 You know, there's lot of services
13:46 where individuals can get assistants,
13:48 mainly attorneys will provide free pro bono work.
13:51 How do you find out about that?
13:52 Well, neighborhood legal services,
13:54 I believe one of the organizations
13:56 that provide free legal services across the country.
13:59 And they will help individuals to set them up with attorneys.
14:02 These are all the attorneys
14:03 who just essentially wanna help individuals.
14:05 And then locally in every single state and city,
14:08 especially I mean in the urban cities,
14:10 they have many attorneys again who want to contribute
14:12 and they know that high incarceration rates
14:14 are problematic.
14:16 So I know, Street Soldiers was one organization in Chicago
14:21 that I used to work with who,
14:23 they've done a lot of free pro bono work,
14:26 where these are just individuals,
14:27 attorneys who came together, they formed a club
14:30 and they went out
14:32 and they said let me provide free legal services
14:34 to individual going to prison.
14:36 And a lot of individuals are they don't know their rights.
14:38 They don't know,
14:39 I mean, I encourage the viewers as well,
14:41 I encourage you all to, please,
14:42 if you think that incarceration is a problem in your community,
14:46 then let's start working with.
14:47 You know, work with at risk youth
14:49 and mentoring individuals.
14:51 And make it sure that before they get to that point
14:53 where they start to commit crimes,
14:55 they're being impacted positively,
14:57 so they don't necessarily have to go that way
14:58 in the first place.
15:01 So there are many preventative things
15:02 that we can do.
15:04 So, but this is again, these tips are,
15:05 once you've been, I mean, been convicted
15:07 and you wanna make sure you have all your options.
15:10 I know a lot of individuals in prison before they say,
15:12 you know, I'm gonna file bankruptcy.
15:14 Well, that may not necessarily always be the best thing to do
15:17 because you may not be able to even get an attorney
15:20 that can take your case.
15:22 And many individuals who are incarcerated,
15:24 they will try to do is represent themselves
15:26 and because of that
15:28 many of those cases are being thrown out
15:29 because they're not, the court is not deeming them
15:33 with being qualified to represent themselves
15:35 or be a suitable representation to throw out these bills.
15:38 So all these things are things that we just want to make sure
15:41 that just because you're incarcerated,
15:42 you still have, again,
15:44 it might be the last thing you think
15:45 that you wanna think about but you never wanna put it
15:48 completely off the table.
15:49 These are things you really wanna pay attention to.
15:51 Absolutely, 'cause things can happen
15:54 that you absolutely had no inkling of, you know,
15:58 you just didn't know what's gonna happen
16:00 and things go down and then you're,
16:02 "What do I do?"
16:03 Exactly. So yeah, that's important.
16:05 So that's before you get in.
16:06 Now, while you're in, very simple,
16:08 while you're in prison and again,
16:10 I know there have been many programs that had been cut
16:14 and I get a lot of letters from individuals in prison
16:16 saying that there's a program that was cut
16:19 and I was not able to get this level of education
16:22 but usually in most facilities there's always something
16:25 that you might be able to do.
16:27 And do as much as you can, there's a library,
16:30 there's something there, no matter what you can do,
16:32 try to read, try to educate yourself.
16:34 I was at a facility, Otisville, in the north side of New York.
16:38 And they actually had
16:40 a tremendous solar panel program.
16:44 And this solar panel program,
16:46 these inmates essentially were able to learn
16:49 how to create solar panels.
16:50 And they were actually making solar panels on the spot.
16:54 And it was a brilliant program,
16:56 and this was a job that they can do
16:58 while they're in prison making solar panels,
17:01 but then they will have the knowledge
17:03 that when they're released,
17:04 they can get into that industry.
17:06 That's tremendous because that's not something
17:09 that's gonna be outdated.
17:11 That's something for the future.
17:13 You know, if you help people making license plates...
17:16 Right, exactly.
17:18 What are they gonna do when they get out?
17:19 But if you have them learning a trade
17:22 that they'll be able to use when they get out,
17:24 then that keeps them from going back.
17:26 Right, exactly and that's... So that's tremendous.
17:28 The thing is that you wanna make sure
17:30 that while you're in there and I get it,
17:33 there are many institutions
17:35 that might not have the best resources available,
17:38 not all have,
17:39 Otisville was one of the good ones.
17:41 And I have seen other prisons across the country,
17:44 they're pretty good, federal prisons and whatnot.
17:46 But then there are those
17:48 that don't necessarily have a lot of resources
17:49 but even though they still have libraries,
17:50 they have books, things you can read,
17:52 things you can try to research.
17:55 And try to make sure that while you're in there,
17:57 you're making the most of your time
17:58 'cause the goal is when you're released,
18:01 you can put yourself in a position
18:03 to never have to go back to prison.
18:05 And so then that leads us to, that was before,
18:08 that's during and now while you're out,
18:10 after prison out, this is the most crucial point,
18:12 you've just been released, and you know,
18:15 you're meeting with your parole officer
18:17 and they're giving you maybe their mandate
18:20 that you have to work at this particular job,
18:21 and where it might be a minimal wage.
18:24 See, and this is the reason
18:25 why I go to teach a lot of financial literacy in prison
18:28 because my goal in teaching financial literacy
18:31 and physical responsibility,
18:33 is to make sure that when they are released,
18:35 they are the most confident that even though
18:39 they have a very limited budget,
18:41 they can stretch that budget for as long as possible
18:44 until they can do
18:45 what they believe God has chosen them to do.
18:48 So they might be working at a grocery store,
18:51 or bagging groceries,
18:52 or they might have to take an odd job
18:54 as an admin at a local organization
18:57 that actually hires those who are incarcerated.
18:59 I always say, listen, don't deny this blessing.
19:03 This is a blessing,
19:04 it's gonna put some money in your pocket.
19:06 They found this job for you,
19:07 take it and use it as a bridge job.
19:09 It's a bridge to lead you to somewhere.
19:12 And you might not be, it might not be...
19:14 It's not the final destination,
19:16 that's just were a temporary stop
19:17 to put some money in your pocket.
19:19 So what you need to do is
19:20 take the job, put together a budget.
19:23 And again, the less money you make,
19:25 the more you need to budget.
19:27 Make sure you're putting together
19:28 or going over your credit and a few steps,
19:31 and it'll make improving your credit,
19:33 35% of your FICO scores is paying your bills on time,
19:36 you wanna make sure
19:37 you're paying every bill on time.
19:38 Calling, if you had that person that was handling your affairs,
19:41 make sure you're getting all your affairs in order.
19:43 Calling all your creditors and being very upfront
19:46 and forth right with them to say,
19:47 "Hey I'm out of prison now.
19:49 I'd like to, I've been paying my bills.
19:52 I'd like to set up an arrangement
19:53 to start paying these bills off on time."
19:55 If you had some.
19:57 So 35% is paying your bills on time,
19:58 30% is your balance to lending them in ratio.
20:01 So if you still have debt, how much you owe,
20:04 compared to how much you had the ability to borrow,
20:06 that's 30% of your FICO score.
20:07 So paying down how much you owe
20:10 really lowers your credit score tremendously.
20:13 Do you recommend these consumer credit agencies
20:16 that help people to get their credit under control?
20:20 Do you recommend those?
20:21 You should, that's a great question.
20:24 And that was on the ask for help portion.
20:27 You should never pay to improve your credit score.
20:32 You should never spend a dollar.
20:33 There are too many organizations,
20:36 too many resources out there
20:38 that can actually help individuals do these for free.
20:41 Operation HOPE is one of them,
20:44 there's organization nationally,
20:46 The National Foundation for Credit Counseling
20:47 is another one.
20:49 They have Green Path, it's a great organization,
20:51 they are doing good work.
20:53 Now they have a paid for service
20:55 but I recommend that you don't use that,
20:57 use the free service.
20:58 Again, everything
21:00 that I suggest to those individuals in prison
21:02 and of recently released are free of charge.
21:04 And the Operation HOPE, they'll budget for you,
21:06 they'll help you put together a budget,
21:09 they'll pull your credit,
21:10 they'll eliminate all the errors
21:12 on your credit report
21:13 and you can go back as much as you want,
21:15 free of charge.
21:16 And these are the organizations
21:18 that we needed to be talking to make sure
21:19 that we can get some help.
21:21 So just walk us through.
21:22 HUD has a great program as well,
21:24 so they have great credit restoration program.
21:29 All these thing and more, we should be going to,
21:31 those are the first individuals
21:32 that when you're released from prison,
21:34 you need to talk to, putting together a budget.
21:36 We talked about that on the earlier show,
21:38 the seven steps of financial freedom.
21:40 Well, the first step in getting your house in order,
21:44 these are the steps that you have to do immediately
21:46 especially if you've been released from prison
21:48 is mainly the budget
21:50 and the credit restoration piece.
21:51 So if we're doing that regularly
21:53 and we're going to church and then I highly suggest,
21:57 don't not stop, don't not tithe, okay.
22:01 You're making little bit of money,
22:04 now the time to not turn your back on Christ.
22:07 That's right.
22:08 Now it's the time to say, "Hey, you know what?
22:10 You've been released, you've got a brand new start.
22:12 You can still put that 10%."
22:14 Because that commitment says that one again,
22:17 you have to put together a budget to figure out,
22:19 what is 10%?
22:21 How much are you earning?
22:22 How much are you even, how can you even calculate 10%?
22:25 You have to put that budget together.
22:27 And so if you're doing that,
22:29 all those things will essentially put you
22:31 in a more effective place
22:32 to start getting yourself on that road.
22:34 To then, again, there are other organizations
22:37 that assist you to,
22:38 the last point is entrepreneurship.
22:41 I believe that for those who are formerly incarcerated,
22:44 one of the most effective ways to really getting back on track
22:48 is starting your own business.
22:50 And again, you're making that bridge job, you're making,
22:53 you know, $10 an hour or $12 an hour, that job,
22:57 that they might have connected you with.
22:59 But now you can, they're operational
23:01 there's a free 12-week program.
23:03 In Detroit, they have many organizations
23:04 that also have free entrepreneurship program.
23:07 So find out organization that can help you.
23:10 SBA.gov has a great entrepreneurship program,
23:14 Score has a great program.
23:16 Go on internet, put together a business plan
23:20 and all these SBDCs and other organizations
23:22 that helps individuals to start put together business plans
23:25 free of charge.
23:27 So there's a lot of assistance out there
23:29 that we just need to be using and in the meanwhile,
23:34 another tip is to make sure
23:35 you're talking with your family members.
23:37 Lot of times when inmates, prisoners,
23:40 or formally incarcerated come home,
23:42 they'll immediately talk to their family
23:44 and they won't necessarily tell them their plans.
23:47 They won't tell them their strategy.
23:48 So they'll just say I'm gonna,
23:49 so that many times, their family says,
23:51 "Oh, you're just gonna lay on the couch
23:53 and do nothing?"
23:54 "Well, no, let me tell you my plan."
23:56 'Cause I might need some support.
23:58 And so you're family and friends,
24:00 I mean, they, I'd say, hey, check this out,
24:02 I've gotten a lot of individual jobs
24:04 who were formally incarcerated
24:06 just by talking to their family.
24:08 And in another show that we'll be doing
24:11 the family empowerment program,
24:12 which the family and the community comes around,
24:14 embraces this individual coming back home,
24:16 and then suggest which type of job opportunities
24:19 that they could place somewhere.
24:20 Ah, that's good.
24:22 So all these things are more things
24:23 that we just wanna make sure
24:24 that we're showing formally incarcerated
24:26 brothers and sisters, love and we're embracing them.
24:29 Let them know that they're tremendous,
24:31 they're great, they're valuable.
24:33 And they don't have to go back,
24:35 they don't have to make those decisions anymore.
24:36 That's right. And feed. Yes.
24:39 Feed the mind. Yes.
24:40 You watch Dare to Dream, we have the New Journey on
24:43 which is a program for incarcerated,
24:45 and offenders, and ex-offenders
24:48 that show people
24:49 who have made it through Christ.
24:51 And they're on a new journey now.
24:54 We have a Father's Heart, if you are incarcerated
24:57 and you have children and you just kind of wonder,
24:59 "How can I parent from here?
25:01 What kinds of things we can do?"
25:04 Watch your Father's Heart, Pumped Up Parents.
25:07 I mean, we have programming for you.
25:10 Feed your mind, learn, research,
25:13 do all of these things that Ryan suggested.
25:15 I mean, they are, you're not limited.
25:19 There are so many resources that you just have to tap into.
25:23 I mean, and substance abuse has been a huge problem
25:26 with those who are formerly incarcerated.
25:28 Please, we urge, I used to work in New York
25:30 with a great organization called Serendipity.
25:32 And usually there are many nonprofit organizations
25:36 that can provide help for that area.
25:39 But you have to recognize that you need that assistance.
25:42 And you have to embrace that assistance, so.
25:44 And you can't hold a job down if you have substance abuse.
25:47 Exactly. You just cannot.
25:48 You can't be that productive. Exactly.
25:50 I mean, again, these are the things
25:52 that we just have to be very real with.
25:54 And lastly, and I'll do the takeaway,
25:58 we have to make sure if you have children,
26:00 paying your child support.
26:03 It's a huge problem with many of those
26:04 who are formerly incarcerated,
26:06 who don't want to pay their child support.
26:08 They try to find a way to skirt outside of the system.
26:11 We have to find a way to pay child support.
26:12 There are many organizations
26:14 that can help you to alleviate the burden
26:17 of the amount of the child support.
26:18 But you should wanna support your children.
26:20 Absolutely. Well, give us that takeaway.
26:22 Sure, will.
26:29 This message is specifically for those who are incarcerated,
26:32 soon to released, or formerly incarcerated.
26:35 We need you.
26:36 We need the greatness
26:37 God has put on the inside of you.
26:39 We need your brilliance, your strength,
26:41 and all of the blessings
26:42 that you have been predestined to deliver.
26:44 But first, you have to work on you.
26:47 True change doesn't start on the outside.
26:49 True change starts on the inside.
26:51 It starts in our thinking.
26:53 It says in Romans 12:2,
26:55 "Do not be conformed to this world,
26:56 but be transformed by the renewal of your mind."
26:59 We at Dollars and Sense believe,
27:01 you have been crowned with favor,
27:02 you are truly one of a kind, a masterpiece,
27:05 you have great ideas, God's favor surrounds you,
27:07 and goodness and greatness follows you.
27:09 But it doesn't matter what we believe,
27:11 it only matters what you believe.
27:13 And that you are acting according to what you believe.
27:16 You don't need a title to fulfill God's will,
27:18 His purpose for your life.
27:19 No more waiting on your ship to come in.
27:21 With God on your side,
27:22 you have the ability to create your own ship
27:24 and sail anywhere in the world you wanna go.
27:26 There are no excuses.
27:28 Moses was a stuttering 80 year old murderer
27:30 that God chose to teach, "Thou shalt not kill",
27:32 and lead his people from slavery.
27:34 Joseph was a convict but he was chosen
27:37 to be the head of all the land of Egypt.
27:39 Colonel Sanders was a 65 year old broke man,
27:41 but God chose him to start KFC with only $105 in his pocket.
27:45 What did God choose you to do?
27:47 Let us at Dollars and Sense help you figure that out.
27:49 Email us at email@example.com
27:53 or chat with me
27:54 on the Dare to Dream Network Facebook page.
27:56 Be the change you wanna see in the world and remember,
27:58 the purpose of life is a life of purpose.
28:01 Next time, on Dollars and Sense.