Participants: Cordell Thomas
Series Code: TITTB
Program Code: TITTB000020
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00:01 On Take it to the Bank,
00:02 you'll find ways to get out of debt, 00:09 solve your credit card problems, 00:14 how to make and stick with the budget, 00:19 simple ways to save, 00:24 buying or selling a home, 00:27 and many more financial matters on Take it to the Bank. 00:32 Hi, welcome back to Take it to the Bank. 00:34 I'm so happy you're here with us. 00:36 It's just exciting to talk to you about some issues 00:39 that we all should be aware of as we look at our finances, 00:44 as we look at our finances. 00:45 We've talked about many different things 00:48 and I think that you should be aware of that stress 00:50 is a major result of financial concerns. 00:54 We know that research shows that single most stressor 00:58 in all of our lives is stress. 01:01 Let's go to some video footage of questions we asked 01:04 at Venice Beach of what they consider 01:06 the top three stressors in their life. 01:09 Here we are. Hi. 01:11 What would you consider the biggest stress 01:12 in your life today? 01:14 I think money will be the biggest stress. 01:17 Why? Because you need money. 01:18 I mean, people say money is not everything, 01:20 but it is everything you need to move around 01:22 and stuff, so. 01:26 What would you consider the biggest stress in your life 01:28 right now and why? 01:30 Financial. 01:31 Because I don't have enough of it. 01:33 Yeah. 01:36 The biggest stress in my life I say is money right now 01:38 because there is lot of great depression 01:40 stuff like that's going on, 01:42 so money is a big issue in my life. 01:43 All right. 01:45 Thank you. 01:47 It's interesting when you take a look at what people have 01:50 and people don't have. 01:52 It's interesting how they respond 01:54 to these type of questions. 01:56 The top response, bar none, in everyone I talked to, 02:00 either the top one or two had to do with money, 02:03 what stresses people. 02:04 Now, I must say this: 02:07 It's not the stress that hurts or kills you, 02:10 it's how you respond to the stress, 02:13 how your body responds to it, 02:14 what you allow your body to respond to. 02:17 So I can say that even with the statistics 02:19 of heart attacks happening 02:21 because of financial stress during Christmas, 02:24 it's how they're choosing to respond 02:27 to a stressor in their lives. 02:29 And there are many stressors that we have to deal with 02:31 especially when you are living in the community 02:34 that has a lack of income. 02:36 Many of us are down in the amount of money 02:39 they were taking home on a paycheck. 02:41 We are seeing a lot of individuals, 02:42 a dwindling middleclass, 02:44 you hear a lot of these topics in the news 02:47 and we as individuals begin to live the life 02:51 that we hear that's out there. 02:53 And one of the major issues is this lack of income. 02:58 Families who fall below the level of income 03:01 or basically their budget is telling us 03:04 they're spending more than they bring in, 03:07 it means a couple of things. 03:09 One is they are not tracking what their expenses are. 03:11 They are not budgeting. They're spending. 03:14 They are bringing a paycheck and they don't have enough 03:16 to cover the paycheck, but they don't know 03:18 where they are at on their map of life towards success. 03:22 So if you don't plan, if you fail to plan, 03:27 you will then plan to fail. 03:29 Those are the basic issues I'd like to get across now. 03:32 Now, the fact that there may be a lack of income 03:34 doesn't mean there is something you cannot do about it. 03:36 Many of us live in settings, in situations 03:39 that cause us to have to use a credit card 03:42 to put gas in the car, 03:44 or use that credit card to purchase clothing, 03:46 and to keep us sheltered. 03:48 Eventually, debt though accumulates to a point 03:51 that the family cannot afford to make minimum payments 03:54 on their credit card 03:55 and they then have to choose some alternatives. 03:59 Now there is a couple of things I would ask you to do 04:01 if there is a credit card debt 04:02 that you have to begin the process of paying off, 04:05 there are ways to work 04:06 with your credit card agency, the bank. 04:08 Call them up, talk to them, 04:09 tell them about your extenuating circumstance 04:11 and they are more likely than not to work with you, 04:15 lower your payments short term and give you the opportunity 04:18 to get back in a good standing with them. 04:21 That is key. Call them up. Just don't let it go. 04:25 There is a couple of things. 04:26 Instead of budgeting for that $120 per month 04:29 that you have to pay them each month, 04:31 maybe they'll lower it with lower the interest rate 04:34 and lower the amount 04:36 that you have to pay on a monthly basis. 04:37 So if they lower it to like $45 a month 04:40 and lower the interest rate to like 1% 04:42 as you take care of this debt, that puts what? 04:45 From 120 to 40 is $80 or $85 into your pocket 04:51 that you can now use for other items. 04:54 There are many other things you can do, 04:56 which I would suggest you do 04:57 in reference to the items that you have. 05:00 Many homes have cable, many homes have landlines, 05:05 and cell phones. 05:06 Many homes have things 05:08 that they don't necessarily have to use. 05:11 They are not necessarily needs but they are wants. 05:14 Many maybe could cut back on from watering our lawn 05:18 four times a week to maybe watering 05:19 our lawn two times a week. 05:23 The importance of what I'm telling you right now 05:25 is the fact that once you have a mark in the road, 05:29 some kind of place to start, 05:31 then we know what we need to do. 05:33 So the first thing I would ask you to do 05:36 is once you've assessed your debt 05:38 and know that you are spending more than you are bringing in, 05:41 you know you are in a dangerous position. 05:43 If you are putting things on credit card for things 05:45 that you would typically have to use on a monthly basis, 05:48 there is a danger sign, it's a warning sign. 05:50 It's telling you that there is a concern. 05:54 Secondarily is once you get into a life of debt, 05:58 you lose a lot of credit, 06:00 and you lose a lot of things in your life. 06:01 It puts you into a place that people consider 06:06 or our government could consider 06:08 you being working poor. 06:10 Working just to make ends meet and not being able to save 06:17 and plan for those expenses and those emergencies 06:19 that will come up, 06:20 and they do come up all the time. 06:22 That's what hurts a lot of families 06:24 is being unprepared 06:25 for the emergencies in their life, 06:27 that lack of income can cause that to happen. 06:31 One of the things I do as an individual 06:34 outside of the work environment is, 06:37 I choose to work with at-risk youth, 06:39 foster care youth. 06:41 As a fact, I'm chairing a committee right now 06:43 with a major organization on the west coast to talk about 06:46 what we can do to help our young people 06:49 and our foster care youth 06:51 get an adequate training in financial literacy. 06:54 Literacy is key. 06:55 If we plan to provide our young people 06:59 as they are coming out of these foster care systems, 07:02 the right type of understanding on how they manage their money. 07:05 In the United States today 07:07 there are half a million foster care young people. 07:09 In California alone we have 20% of the total number 07:13 of foster care youth in the United States. 07:15 We have 100,000 young people in foster care system. 07:18 And of that we know that 5,000 plus 07:21 are emancipating every year into society 07:24 and they are not prepared to do so. 07:26 In a foster care, a young person 07:27 has a lot of things on his plate to deal with 07:29 that we wouldn't be familiar with. 07:31 I grew up with a mother and a father. 07:33 My kids are growing up with a mom and a dad 07:36 and they have someone to identify with, 07:37 someone that hugs them 07:38 and tells them that they are loved 07:40 and gives them motivation and teaches them 07:42 and puts them in time-out 07:43 and provides an environment that they can grow 07:46 and become the type of young adults 07:48 and adults that we would like them to be, 07:50 managing their money well, 07:51 managing certain things in their lives 07:53 that they wouldn't have the understanding to deal with 07:58 if they don't grow up with a family. 08:00 So the foster care system 08:02 is one that is supposed to supplement 08:06 and provide them some type of controlled environment 08:11 that they can grow 08:12 and hopefully become positive adults 08:17 in the communities that they live. 08:19 But the statistics are stark with these young people 08:22 in reference to how they handle money. 08:25 The fact that when they emancipate out of the system 08:28 or they graduate from the programs, 08:31 they go out into public life at age 18, 08:34 and what happens is within 18 months 08:38 many of these kids are homeless, 08:40 they are on the streets. 08:41 They don't have anywhere to go. 08:43 They haven't been taught how to manage money, 08:44 how to keep a job, how to interview for a job, 08:46 they are lacking in life skills 08:48 and those are the things that are concerning for me 08:50 as we look at these young people 08:52 as a target market to go after to teach them 08:55 about how, why, and what of money. 08:59 We also find that, you know, young women 09:01 that emancipate from the system 09:03 within two-and-a-half years are pregnant 09:07 and become single moms and what happens 09:09 from there is the cycle repeats itself, 09:11 because that same child that that mom has goes right back 09:14 into the same foster care system 09:16 that the mom came out of. 09:17 It repeats itself and the cycle happens 09:19 over and over again 09:22 and we believe that several things 09:23 that have happened recently within California 09:26 where there are several decisions 09:29 made to provide some of these foster care young people, 09:33 additional time in foster care from age 18 to age 22. 09:36 They can request to extend their stay in foster care 09:40 so they can get the right type of training, 09:42 that they can start saving some money 09:44 and there is some programs that actually match the monies 09:47 that they save so that once they get out 09:49 at age 21-22 they have money to go to school, 09:53 they have money to maybe put a down payment on a car, 09:55 they have money to actually 09:56 even put a down payment on a home if so, 09:59 if they choose to work that hard 10:01 and put themselves in that position 10:03 but the key is this: 10:04 That these foster care young people 10:07 are desiring to know more about how finance is 10:11 and that literacy about how to manage money. 10:15 Those kids though are at a great risk. 10:18 They are called an at-risk group 10:20 because we find a lot of them becoming homeless, 10:23 a lot of them dropping out of school, 10:25 they don't graduate, they don't finish school, 10:27 and of the ones that graduate from school, 10:30 if they do, do you know how many of them 10:33 actually graduate from college? 10:36 The actual percentage of those that enter college 10:39 and actually finish college 10:40 from the foster care system is 1%, 1%. 10:44 I've watched a young person get up. 10:46 Things in their lives are so controlled, 10:48 they don't have any control 10:50 and what they can control they do. 10:52 So it may be their shoe. 10:54 And I saw this young person wake up in the morning, 10:56 and he went to the kitchen, 10:59 and he filled a soap water consistency, 11:04 and he took it with a toothbrush 11:05 and he went to the living room, 11:06 and I saw him scrub and clean his Vans shoes. 11:11 And as he finished cleaning those Vans shoes 11:13 after spending about 15-20 minutes, 11:15 that's the control he had in his life, 11:17 and he measured that control by taking care 11:21 of what was in his control. 11:24 And it was interesting he finished what he had to do, 11:26 took care of the soap water solution, 11:28 and then he put the shoes on and as he walked around, 11:31 he walked like, little like a duck 11:33 because he didn't want to put the crease in the shoe 11:35 and mess up the shoe that he takes so much time 11:37 to take care of and clean. 11:39 What they are doing is showing that they are interested 11:43 in taking care of things, but those things 11:45 that are within the confines of their control. 11:47 So I was brought in 11:48 as a consultant to talk to them about 11:50 how do you teach these young people 11:52 about finance? 11:53 How do you talk to them about managing money 11:56 and financial literacy? 11:57 And a lot of these kids will not engage with you, 12:00 because you talk down to them or talk to them 12:03 and tell them what they need to do. 12:05 They have been told what to do all their lives, 12:07 that's why they are where they are, 12:09 and they figure, 12:10 I don't want to finish school now or college 12:12 because as soon as I finish this degree, 12:15 they're going to take it away from me. 12:17 That's the mentality of these young people 12:18 and we have to change 12:20 and shift that mindset to make them feel more secure 12:24 and confident in themselves. 12:26 And it's these young people that are the ones 12:30 that fall off the map 12:31 and we don't even see them anymore 12:33 because they're homeless and they are, again, 12:37 being a part of a system 12:39 that actually destroys them in the long haul 12:42 because they're discouraged and they lose the hope 12:47 that the foster could have 12:48 if they are put through the right type of program 12:50 that could enhance 12:52 and elevate their sense of security 12:55 and their sense of accomplishment. 13:00 Now, I shared that with you 13:03 because we are in the same place. 13:08 We are looking at the same type of setting. 13:12 These kids that drop out of school 13:16 are then driven 13:17 towards this thing called a "poverty industry". 13:21 What's the poverty industry? 13:23 What does it entail when you take a look at 13:28 what the poverty industry is? 13:29 We have a slide that I would like to show you 13:30 and talks to you a little bit about the poverty industry, 13:33 and it's very interesting as you look at it. 13:37 You look at this and you find that the payday loan centers 13:40 as the top targeter of our working poor. 13:45 You get a kind of an understanding 13:48 of what these industries do to the poor. 13:51 Did you know the size of the poverty industry? 13:54 I will label it as the poverty industry for you. 13:56 The size of the industry is $33 billion. 14:01 33 billion with the B money is the revenue comes 14:05 from this industry of working poor. 14:07 And you have to understand that these companies target the poor 14:12 because they know they need help 14:14 in getting assistance in cashing a check 14:18 and doing a variety of things 14:19 and they may need a loan on a future check to pay 14:23 for certain things that they have, 14:25 and they charge exorbitant amounts of interest 14:28 on that specific service. 14:30 When you'll take a look again at the list, 14:32 you have payday loan centers, pawnshops, casinos, people 14:37 and the working poor think that they possibly 14:39 can get out of poverty 14:42 by winning something big in a casino. 14:44 We have liquor stores that pop up in intercity areas, 14:47 instead of having a health food store, 14:49 you have liquor stores. 14:50 You have to pay a little bit more for the product 14:53 and then, of course, they are not selling 14:54 the quality type of fruits 14:56 and vegetables that we should all be eating. 14:59 Of course, tobacco stores target the poverty industry, 15:02 and guess who is another targeter of our working poor, 15:07 credit card companies. 15:08 Do you know that they are extending credit 15:10 now to individuals who are more risky? 15:14 Our banks are saying, let's expand our market share 15:17 and let's provide credit to individuals 15:19 that may not necessarily fit our perfect profile of those 15:23 that have the three 'Cs' of credit: 15:25 Character, excuse me, character, capacity, 15:28 and capital. 15:30 Those are the things that they are looking at now 15:31 and targeting you as an individual 15:34 who is considered someone 15:35 in the working poor communities. 15:38 But are you really a working poor? 15:41 Or you are work in progress? 15:43 And that's probably what I would like to do 15:45 is to take it from these labels 15:47 that probably people provide you 15:49 and take you to another step 15:51 because you are a work in progress. 15:54 God is working in your lives and He has something for you. 15:58 There is something that He is going 15:59 to accomplish in your lives if we can take hold of 16:02 and take a look at our road map 16:05 and say, let me assess 16:07 where I'm at and create a budget. 16:09 I want you to do that. 16:10 If anything that you do right now, 16:12 take a piece of paper out 16:13 and say this is the day I create my first budget. 16:18 Write down budget, write down paycheck 16:21 and how much you bring in per month. 16:23 Write down expenses and go and calculate approximately 16:26 how much you spend per month in expenses. 16:29 Come up with a number and then subtract your expenses 16:32 from your paycheck 16:34 and do you have a positive or negative number. 16:36 That will give you a place to start in understanding that, 16:41 "Yes, I know where I'm at now. 16:43 I've assessed my debt, I've created a budget 16:47 and I know what I gotta do now, where I can cut expenses?" 16:51 Where those expenses are that you cut 16:53 is completely up to you based on what that budget is. 16:56 Cell phone, landline, cable, water, 17:02 whatever the case may be, take a look at those things 17:06 from direct costs to your livelihood 17:10 as well as indirect costs such as things 17:12 that are variable throughout the course 17:14 of the month and or year. 17:16 Once you do that, you can then take a look 17:18 at those expenses you cut 17:21 will then lead to providing possibly a gap 17:25 between your expenses and your revenue 17:28 that you have some money now you can save 17:30 and therein is where is you've the first win 17:33 of the season for you is knowing now 17:36 that you can get into a profitable situation 17:38 and start putting money away. 17:41 Now, in this industry also, 17:43 in this work in progress industry, 17:44 not poverty, I'm not going to label it that way anymore, 17:47 but we're going to take it now to the work in progress. 17:50 You are work in progress. 17:51 I want you to write down questions that you have 17:53 if you can email me, text me, or whatever the case may be, 17:56 we will put that information up at the end of the program. 17:58 But I ask you to take an active approach 18:01 and what I would like you to also do 18:03 is also videotape yourself, say, "Hey, Cordell, 18:07 this is what I'm doing to save money. 18:09 This is what I'm doing to cut my expenses." 18:12 I want to hear your 15 seconds and it could be something 18:16 we can incorporate on a future program, 18:19 but I need to hear it from you. 18:21 I wanna hear what you are doing, 18:22 and I want you to take an aggressive approach 18:24 at going after your debt, going after 18:27 creation of this budget, 18:29 and going after the ability to save money. 18:33 Now, there are some other statistics. 18:34 Oftentimes, the... 18:36 I'm calling you the work in progress, 18:38 they call the working poor, 18:40 are families headed by single parents, 18:42 young workers, new immigrants or workers with less than 18:45 a high school degree, 18:46 they are more likely to struggle to make ends meet. 18:49 Now, when we talk about single families, 18:53 what do you think of? 18:55 And many of us the first thing that came to mind 18:56 when I was talking about this with several people 18:58 was is single parents are typically single moms. 19:02 Well, to make sure I was giving the right information, 19:04 I just did a quick search on my cell phone 19:07 and it says, a typical single parent is a mother. 19:09 Approximately 84% of custodial parents are moms 19:13 and 16% of custodial parents are fathers. 19:16 So single parents are part of the work in progress 19:20 and you should know who they are. 19:22 But then we think of them as working poor, 19:24 they are not really working poor, 19:26 they are work in progress. 19:28 Did you know that she is... 19:31 A he or she, the majority of single parents are women, 19:34 so let's talk about her. 19:36 She is employed, 80% of custodial single moms 19:41 are gainfully employed. 19:43 She and her children do not live in poverty. 19:47 Hey, what did I just say, you are work in progress, 19:50 that's what I've been trying to tell you. 19:51 You can be single, you can have things 19:54 that seem to be working against you 19:55 but you know what is creative? 19:57 Is I look at my wife, I look at the moms out there 20:01 and understand there is a wisdom 20:04 that we can gain from each one of them. 20:06 They know how to budget. 20:08 They know how to work with money. 20:09 They know how to work with limited amounts. 20:11 They know how to make it expand. 20:13 And if you are in Christ 20:14 and you know what His leading is doing in your life, 20:18 you will see the blessings that happen in your life 20:21 on a daily, weekly, monthly, and yearly basis. 20:23 So don't take it for a fact what everyone is telling you. 20:28 The fact is these typical 40-year-old individuals 20:33 who are custodial parents 20:34 who are raising typically one child 20:36 are not living in poverty 20:38 and they are gainfully employed. 20:40 So what is that telling you? 20:42 Many of the individuals that are labeled are labeled wrongly 20:46 because they are not giving you credit for the wisdom 20:49 and the creativity that you have. 20:51 The creativity is there in the communities 20:54 because we know statistically that young people 20:57 who take a risk and try to start a business 21:01 in those communities are typically successful. 21:06 They go against the grain of what typically happens 21:09 with new business startups that fail. 21:13 What I would like to tell you right now 21:15 is there are a lot of options for you 21:19 as you take a step in changing the label 21:24 that people have put on you. 21:25 I want you to change that label. 21:27 Use Christ's label in your life. 21:29 You're now a work in progress. 21:32 Write these things down. 21:34 Make sure you have the budget in place. 21:36 Connect with me. 21:37 Let's talk about how we can even take it to another step 21:41 and what could that step be? 21:43 There are a variety of things. 21:45 And I'll do that by telling you this story. 21:48 We went to on a trip. 21:49 My wife and I went to Guatemala 21:51 and we traveled around for a little bit 21:53 and we had an enjoyable time with our kids 21:56 and traveling around the country 21:58 where she grew up. 22:00 One of the things we did notice 22:01 as we were traveling through the markets 22:02 where some unique little items that girls wear, 22:08 and it was interesting that I could see 22:10 that my daughter had this fantastic interest in design 22:15 and she loves the color pink. 22:18 And so she decided to ask questions. 22:20 Now she was really young at that time. 22:22 But you could see she gravitated to it. 22:25 My daughter is now five years of age 22:28 and somehow she is picking up on this business idea 22:31 and she loves these items that are pink 22:34 and she has designed a unique design 22:36 that she would like to put on them. 22:38 So I'm working seriously with her to find suppliers 22:41 of this item that she can take 22:44 and then she can begin her own little online business 22:47 and now there are things I'm going to have to do, 22:50 because as I'm teaching her about business, 22:52 I teach her about, "Don't talk to the baker 22:55 if you need to talk to a builder." 22:57 I'm not all-encompassing when it comes to finance 23:01 so I go to the expert in the area about finding out 23:04 what business she can incorporate, 23:06 what type of business it would be, 23:08 and how we can work it through that 23:09 she does not have to spend that much in taxes 23:12 and that she can put more time 23:14 and emphasis into driving people to her website 23:18 which takes money, 23:19 and it will take her beginning the process 23:21 of saving and doing, 23:22 so that is going to have to help out quite a bit 23:24 as she starts with the process. 23:26 My son has an interest also, 23:29 and then I have an interest as an adult. 23:32 I have many interests that I would like to take on, 23:34 and I hear it the same way 23:37 all across the spectrum of individuals 23:39 who have business ideas and concepts. 23:42 When you lose a job 23:44 or there is this lack of income, 23:46 let's look at it as an opportunity, 23:50 to go to a local Adventist church 23:52 in your community, 23:54 because it's a microcosm of the big population 23:56 and in those communities you can find 23:58 professional tax consultants, you can find physicians 24:01 who need people to work with them, 24:04 you can find a variety 24:05 of different type of professionals 24:07 that can probably help you and there are those 24:09 that understand how to build an online business 24:13 or build a physical business. 24:15 Do you cook well? 24:16 Do you have a talent than most people, 24:18 other don't have and can't equate with you. 24:21 And I think those are the kinds of things 24:23 we need to consider as we move forward 24:25 because no one can be confident 24:28 in keeping a job for 40 years anymore. 24:30 You're going to see mass layoffs, 24:32 you're seeing a squeeze on the middleclass, 24:35 and what it will take is the creativity 24:36 that you have, 24:38 that you can take on by yourself 24:40 and drive a business that generates revenue. 24:43 Do you play the piano? Do you play the guitar? 24:45 Do you play the saxophone? 24:47 Do you know how much you can ask for lessons 24:51 that you teach other people on an hourly basis? 24:53 Do you know what you can get from baking your goods 24:57 and selling them? 24:58 How do you start that business? 25:00 How do you get a setup in a big store 25:04 where people can come and taste, test your products? 25:07 How do you do those things? 25:08 And you can only get it from the experts. 25:10 The first thing I tell you is talk to the experts. 25:13 The second thing is talk through your idea. 25:15 The only way you'll know if it's a viable idea 25:18 is if you work through it and talk to those that know. 25:23 And then third is don't be afraid to try. 25:27 There are things you can do to bring in income 25:30 while you are dealing 25:31 with the job search and developing 25:33 and moving forward in your life. 25:35 But it all takes planning 25:38 and I need you to plan your road map. 25:41 So lack of income, is it a problem? 25:47 Yes. 25:51 But is it an opportunity? 25:53 Yes, it is. 25:54 It gives you an opportunity to change things 25:56 because people who have labeled you working poor are wrong 26:00 because we are now a work in progress. 26:03 And we are going to work together. 26:05 Together we are going to see 26:06 some substantive change in our communities 26:08 because we are going to talk, discuss, grab a hold 26:12 of what those finance we have, 26:14 and we're gonna make it work on our behalf. 26:17 I know we can. 26:18 It takes assessment and development of a budget. 26:21 And I ask you to do that for us. 26:23 Now, what I would like to do is throw up a quick slide 26:25 to tell you or show you those that are worst hit by poverty. 26:30 It's top nine that are worst hit by poverty. 26:33 Those that are living in developing countries, 26:36 the elderly, those that are unemployed, 26:40 number four ethnic minorities, number five single parents, 26:45 number six would be those 26:47 that are low paid with children, 26:49 people with disabilities, refugees and asylum seekers, 26:53 and number nine, the homeless. 26:55 Those are the nine that are worst hit by poverty. 27:00 Can we do something about that? 27:03 There are things we can do. 27:05 The first thing is know where you are at, 27:07 because if you don't know where you are at, 27:09 how do you know where you are going to go? 27:11 Secondarily, it takes commitment. 27:15 It takes commitment. 27:17 If someone dropped you from a plane 27:21 and you landed on the I75 27:23 and I94 quarters where would you be? 27:27 If you understand maps, you know that 27:30 94 is the East West highway because it's an even highway, 27:33 and interstate highway. 27:35 The same with the 75 is the North South highway 27:37 because it's an odd highway. 27:39 The crossroads are right where? 27:42 In Michigan, near Battle Creek. 27:44 So now I know where I'm at. 27:46 If I need to get to 3ABN, 27:50 now I can figure out how to get here. 27:51 The same with your financial mapping is key. 27:54 Lack of income, I don't see it as such, 27:56 because when we plan, 27:58 you can then take it to the bank and save. 28:01 God bless you. |
Revised 2017-05-22