We Need Margin | FreedUp Week 4

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Hi, mom. Happy Mother's Day

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and happy Mother's Day to all moms out there.

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We are so thankful for the way that you lead us,

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care for us and love us.

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Well, today, you're joining us

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for a week 4 of Freed Up, a series

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all about how to grow spiritually

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and thrive financially.

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Today, Brian's going to talk to us

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about being a wise saver and a cautious debtor.

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And for some reason,

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he's going to do it from an airplane seat.

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– I'm in the worst seat on a plane.

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I hate this seat, and you do, too,

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and yet most of us

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are in this seat right now financially.

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I'm going to talk about that today.

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We're looking at what it means to be financially free,

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how to have zero stress and margin in our lives.

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This is what we've been looking at

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throughout this whole program,

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trying to get freed up that God--

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And by the way, this whole

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financial program we're going through,

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this is God's ideas.

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It's not my ideas. It's a man's ideas.

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It's God's ideas that

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everything we have is His stuff.

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We're just stewarding and managing what is His.

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Last week Kyle looked at

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being a generous giver first.

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And today I'm not talking about

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being a wise saver and a cautious debtor.

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You might think like debt and savings,

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how in the world do those two things

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relate to one another?

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They relate really, really significant

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to one another, especially when we consider

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the place that we sit when we're on a plane.

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This is what I'm doing on a plane.

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And I'm looking to see

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who's getting on to the plane

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and coming down the aisle towards me.

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Some people are coming I'm going, "No, no,

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no, no, no, no, no, no, no, no,

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no, no, no, no, no, no."

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And they walk by, I go, "Whew."

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Other people, "Yes, yes, yes. Sit beside me."

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And, you know, kind of people I'm talking about,

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you know, the ones I'm talking about.

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I'm talking about the 80 year old

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90 pound senior citizen women.

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That's who I'm talking about,

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because that's who I want sitting beside me.

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Virtually none of us like flying,

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and this is why right here,

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because we have no margin.

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That's why finances freak us out

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to talk about it, because

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we don't have any financial margin.

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We don't have any elbow room.

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This is why business class is so amazing.

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When I get upgraded to business class

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because of my mileage, it's wonderful

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because you got margin,

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your legs can go out. It's wonderful.

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You've got room, the seat's wider.

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That's the bigger deal, it's awesome.

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We've got to have financial margin.

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Margin helps us sleep at night.

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Margin helps us sleep when we're on a plane.

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Margin helps us smile during the day.

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When we have margin on a flight,

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we can sleep,

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we end up smiling more the next day.

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When you have an unexpected expense,

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stress comes to your life

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if you don't have any financial elbowroom,

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if you don't have any margin.

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Fewer than 4 in 10 Americans

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have enough savings to pay

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an unexpected $1000 expense in cash,

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fewer than 4 in 10.

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That means if there's a bill that comes

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for your car, you can't pay it.

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You're just freaked out.

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That means if your kids have

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a extracurricular activity you can't pay for

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and the permission slip comes home,

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you freak out about it.

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This was me for most of my life.

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Most of my life, I've had no margin.

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Here is the way that you get financial margin

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because it's wonderful when you --

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Here it is, this is big, I'm telling you.

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This will change your life.

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To get financial margin, breathing room,

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to be able to accommodate

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the unexpected things in life.

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Here is the secret:

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Spend less and save more.

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All you've got to do, spend less and save more.

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Now, I know that sounds insulting

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and I'm sorry, I'm trying not to insult you.

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There's a lot of financial programs

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out there that are very demeaning

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and very insulting.

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I'm not doing that today.

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I want to encourage you today.

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And the first bit of encouragement

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is this is a simple process.

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It can be done.

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It's not easy, but it is simple.

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You have more ability to influence

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your financial future than you have any idea of.

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You are not a victim.

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You actually can change where you're going.

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And we have been duped into believing things

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that are eliminating our margin.

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I'll give you one example of my financial story.

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I'm in my early 20s.

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I've got my first real deal, genuine job,

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and they send in the financial planner

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to come in and help you understand

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where your benefits are

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and how much money you want to give to retirement,

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all that kind of stuff.

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And he says to me, he says, "OK,

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when would you like to retire?"

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And I said, "Um,"

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I just repeated what I heard other people say.

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I said, "Um, 55."

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"Oh, 55. OK, OK.

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Well, how much you want to make when you're 55?

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Like what you have right now

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in inflation adjusted dollars?'

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"Eh, probably a little more right now,"

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because I was a bit stressed financially.

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He said, "OK," he did some quick calculations.

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"So basically for you to attain

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your financial goal,

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you need to save this much money."

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Turned the tablet of paper around to me.

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I looked at that and I went,

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"OK, maybe not 55, maybe 95.

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Maybe 95 I want to retire."

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Oh my goodness, I looked at that number

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and that didn't even have to do

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with saving for kids education,

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which I didn't have any kids at the time.

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That wasn't saving for daughters' weddings

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and all that stuff.

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And I look back on that

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and if you had told me then what I know now,

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that at 55, and for years and years previous to this,

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I've had financial margin

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and I haven't had financial stress.

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If you had told me that,

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I'd have said you were crazy.

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And the way I got there is

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because it was God's idea.

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The way I got there is because

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I just did what God said.

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This is not a financial program.

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This is a God program,

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and if you do what God tells you to do,

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what's clearly in the scriptures,

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if you d it, I'm telling you, you will get margin.

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And He tells us, "Spend less and save more."

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It is His.

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You can have immediate comfort

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and you can have immediate trinkets

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and immediate technological upgrades

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and you can get all the stress that goes with that.

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Or you can have a disciplined approach

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to your money and you can have margin

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and you can breathe.

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There's cultural lies about saving

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that cause as many of us to not start saving.

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Stuff like: you don't make enough money to save.

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You always make enough money to save,

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you want to just start,

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but culture says, no, you don't have enough money.

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You do.

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Or other lies on the other extreme,

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like savings is my security.

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And we have many of us who just

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endlessly throw more into accounts,

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more into the account.

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We don't know we're ever going to do with it,

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but we have it there because it's actually our security.

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It's not our security.

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You know what savings are?

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Savings are just delayed spending.

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It's all it is.

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It's not our identity. It's not our security.

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It is delayed spending, because

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you're going to need that money.

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You're going to that money when your car breaks.

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You're going that money when you retire.

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You're going to need that money to start a business.

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You're going to need something

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for something you have even thought of,

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but it's delayed, deferred spending.

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That's all savings is.

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And if you think it's anything more than that,

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it's your scorecard for how you're successful

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or if it's your security,

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you've got a spiritual problem.

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There are spiritual lies about saving.

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Here's one of them,

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that saving money is for faithless, fearful people.

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I was actually somebody who believed that.

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Back in my 20s I did that.

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I believed that to justify

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my bad discipline and my poor margin.

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No, savings is not for fearful people.

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It's for people who want margin.

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Or savings is selfish

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and God doesn't want you to do it.

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I actually believe that at one point

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and talked to that, how all of dying people

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all over the planet, starving.

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How can you justify having savings?

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I'll tell you how I justify, how I justify it,

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it's called the Bible.

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It's called financial good sense.

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It's called financial freedom.

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Here's how it good sense.

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Here's how we define this:

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The wise saver is one who builds,

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preserves, and invests with discernment.

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There's a difference between saving and hoarding.

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Saving is putting money aside

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for appropriate goals and vision.

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It's deferred spending.

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Hoarding is stockpiling beyond our needs

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and using money to just make

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ourselves feel better about ourselves,

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or as Jesus says, "Building bigger barns."

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He tells a story about that one time.

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He says, "Why do you keep building bigger

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and bigger barns?"

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Some of us have a lot, a lot of financial margin

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and you keep trying to figure out

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what new savings vehicle, what new account,

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what new whatever, what new investment vehicle it is.

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At some point it shows that we're

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not viewing our money as God's money.

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It's our money and we keep building bigger barns.

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And Jesus cautions against building bigger barns.

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Managing money is about managing our heart.

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It's about our spiritual growth

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more than it is about our financial growth.

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That's why the Bible doesn't give

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hard and fast guidelines

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for how much we should be saving.

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I wish it did.

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It's about the heart, the condition of the heart.

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I wish the Bible said give 15% to yourself

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in savings or 5 or 10 or 30 or whatever.

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I wish it did, but it doesn't.

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Because savings is a matter of the heart.

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And there aren't specific schematics

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that we're to apply to every situation,

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but there are specific examples we're to hear.

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The book of Proverbs 6:6-8 says:

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The ant takes a little bit of food,

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a little bit of crumbs and stores it away,

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a little bit, a little bit.

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And they're self disciplined.

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They do it every day.

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They take some, they set it aside.

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They take some and they set aside.

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So for the person, for the person who thinks

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that you have to have a lot of money to save.

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No, no. You just have to have a little

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and you just have to start.

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Just start where you are and do little by little.

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On the other extreme, I already mentioned it,

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it's the parable of the barn. Jesus says:

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This is a guy who owns all of his money

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and doesn't believe God owns all of it,

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and he's thinking about his savings vehicles.

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He's not thinking about

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what he's going to do with the money,

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which is God's money.

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He's thinking about the savings vehicles.

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It is a major, major problem

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when we are spending energy

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and hiring people to manage our money

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and we don't have any plan for it

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other than having more.

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That is called hoarding.

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We confuse hoarding and saving because

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culture has given us a bad example

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of how to prioritize the uses of money.

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Here's what culture tells us to do.

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The number one thing you do

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is you figure out your lifestyle.

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That is, you spend.

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Then if you having that okay, then you save.

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That's number two.

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And then number three, you give.

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This is out of order with what God wants.

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This is a God-orientated program.

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This is not a financial program.

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That's the way the world tells us

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to operate financially.

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The God honoring order is number one to give.

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It signals to my heart that

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this is God's money and not my money,

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which is why I release it.

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Number two, to save, to pay myself,

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to give myself margin to take off the stress.

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And then number three, to deal with my lifestyle.

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A big enemy to living a God honoring life

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is our obsession with immediate pleasure,

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instead of an obsession with an eternal God.

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You've got to be obsessed

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with God's will for your life,

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instead of obsessed with

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having everything on this world you can have.

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The weird thing is

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the more you want what is on the world,

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the less you're going to have financial margin.

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Ecclesiastes 5:10 says that:

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You will never have enough savings.

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You will never have enough new shiny things.

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If you love money, you'll never have enough.

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We have to love God.

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Tara Carr in motivating the pain pleasure principle,

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she says this:

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I know that it is painful

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to deal with our financial stress.

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I know that it is painful to figure out

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what changes to make when we have no financial margin,

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when we feel crammed and jammed around us.

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But I'm telling you, the pain

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of enacting a plan is going to be far less

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than the pain of living with no financial margin.

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The biggest symptom, the biggest symptom

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of how dominant the immediate pleasure

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of our lifestyle cult is telling us

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to enjoy all you can right now

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and ignore the consequences long term

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is the signs of consumer debt.

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Consumer debt is massive.

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Now we have a bunch of cultural myths around debt.

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One is that we believe that debt

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is expected and unavoidable.

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It's, in fact, some people would say

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debt is the only way to move forward financially.

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Maybe that's why

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we're not moving forward financially.

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Maybe that's why our credit cards,

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credit cards there, named like MasterCard,

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end up mastering us,

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or Discover, we end up discovering debt

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and stress and pressure, not discovering freedom.

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A good sense, we say:

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avoid debt is an awful and inherently evil.

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It can be used. It can be a good thing.

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But boy, boy, you've got to be real cautious around it.

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Some medications can be really good thing,

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but if you take too much

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or give you the wrong person at the wrong time

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it can be incredibly painful.

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There's dangers around debt that

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before you enter into debt,

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you need to be aware of these dangers.

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One is debt presumes on the future.

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Debt makes me believe that I am in control

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of the future because I'm going to have this

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and I'm I keep earning the same amount of money

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I have right now and interest rates

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are going to stay this way

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and it's all going to be good.

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James 4:14 says

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you don't even know what'll happen tomorrow.

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It says our life is but a mist. [sound effect]

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So we get into debt thinking our salary

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will keep increasing or stay the way it is

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and all of a sudden something changes

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because we can't understand the future

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and we have massive stress.

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No one who has credit card debt

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ever thinks it was worth it. We don't.

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I know when I was in massive credit card debt

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from eating out and buying trinkets,

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I never thought, "Yeah, but it was worth it."

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"Yeah. I'm so glad I bought food for my stomach

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by going to Pizza Hut," which is what I did.

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I could have gone and bought ramen noodles,

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but no, I wanted to pay Pizza Hut

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and I wanted to give a generous tip for it.

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I never said, "Yeah, I'm so glad that I did that."

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No, no, because that debt was in a sewage pipe

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12 hours later, going down underneath the road.

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Not good. Oh, my gosh.

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That's what happens, all my credit card debt,

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it all turned to poop.

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It all was, it was all stuff

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that went out of fashion, it was all stuff

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that just went down a sewage pipe,

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and there I am paying it.

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And it actually denied God the opportunity

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to show me His love and bless me.

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It's one of the things that debt does,

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it denies God the ability to move.

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I got my first job, I thought that means

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I've got to get my first real deal, brand new car.

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And I got a brand new car payment.

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And it was a bad, bad decision.

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Got done with that one, said I'm never doing that again.

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I didn't have the money

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to buy a car with cash at that point.

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But, you know, I was committed to not go into debt.

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And I think my next two or three cars

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were cars that people gave to me.

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There weren't nice cars.

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They were cars that people didn't want.

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They were beaters, but they worked and they ran

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and they gave me the ability to get in the margin.

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And every time that happened,

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I saw that God was caring for me,

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that God was looking out for me.

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In Luke 12:30-31 it says:

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I would have people give me a car

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or give me groceries or all sorts of things

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that you don't see the hand of your God

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because He owns it.

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By the way, the Bible says

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God owns the cattle on a thousand hills.

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That doesn't mean He owns the cattle

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on a thousand hills, not a thousand one.

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That verse is there to say he owns all the cattle,

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all of it, all of it.

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All of the cattle, all of it everywhere,

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all of the everything in your life, He owns it all.

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All the everything in my life, He owns it all.

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All the resources everywhere, He owns it all.

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He's dispersed it to different people,

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but He owns it all.

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And when we force things

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in our consumeristic lifestyle through debt,

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we don't get to see God move

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and it fosters envy and greed

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because we want it immediately.

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We want it right now.

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Luke 12:15 says:

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There is such a thing a okay debt,

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and we're going to get into that with the app

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and the rest of the parts of our program,

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but debt has two characteristics.

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Okay debt has to characteristics.

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One, it's incurred on something

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that has the strong potential to increase in value.

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That might be a home that could increase in value.

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That might be a college education

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that could increase in value because

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you actually could get paid more.

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It's okay to take on some student debt

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because it's going to qualify you

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to have a job that's going to pay you more.

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However, we've got to be careful.

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I mean, having high, high levels of student debt

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for incredible occupations like teachers

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or social workers that are unfortunately low paying,

00:20:30

having a high, high threshold on that

00:20:32

is not going to work.

00:20:34

You've got to find out a way to have

00:20:35

that debt as small as possible.

00:20:37

But debt that gets you to a better place is okay debt.

00:20:41

Another one is debt that can be repaid

00:20:43

under today's circumstances, today's circumstances.

00:20:49

Buying a house and getting a mortgage,

00:20:51

assuming I'm going to get a raise

00:20:54

over the next two or three years, is not good.

00:20:57

I've got to be able to afford the mortgage today

00:21:00

under what I'm getting paid today.

00:21:02

See, debt isn't the problem.

00:21:04

Debt is a symptom of the problem.

00:21:06

The problem is that too many of us

00:21:08

are more interested in keeping up with our neighbors

00:21:10

and having the latest stuff

00:21:12

and feeling good about our consumptive lifestyles

00:21:14

that we are actually living free.

00:21:17

To live free you're going to have to live differently.

00:21:20

We going to have to limit our exposure to temptation.

00:21:22

We're going to have to decrease our debt levels

00:21:25

and specifically frivolous debt.

00:21:27

And we're going to have to increase

00:21:29

our exposure to financial resources,

00:21:31

which is the money that we save.

00:21:33

The way to become rich is to save.

00:21:37

Yes, it's great to find a great investment opportunity,

00:21:39

but that still is a saving vehicle.

00:21:41

To get margin, to get to new place we have to save.

00:21:46

Now there's biblical guidelines

00:21:48

for good stewards and debt.

00:21:50

First is it's cautious debtor.

00:21:52

Debt is not evil.

00:21:54

If debt was evil, then God would not have had

00:21:57

the nation of Israel become people who were lenders

00:22:00

because that would have been them participating

00:22:02

in some evil institution, like pornography.

00:22:06

But there are people who make interest

00:22:09

and there are people who pay interest.

00:22:11

And good stewards try to avoid debt.

00:22:15

Proverbs 22:7 says:

00:22:16

a borrower is servant to the lender.

00:22:20

That was me way back in my 20s.

00:22:23

I was a servant to Citibank.

00:22:24

I was a servant to all those folks.

00:22:26

They were ruling over me.

00:22:29

Good stewards should also repay their debts.

00:22:33

Proverbs 37:21 says: the wicked borrow and do not repay.

00:22:37

So once you do borrow, under whatever auspices,

00:22:39

man, you've got to repay it.

00:22:42

Romans 13:7 tells us that

00:22:44

we should pay to all what is owed to them.

00:22:47

Taxes to whom taxes are owed,

00:22:50

revenue to whom revenue was owed,

00:22:52

respect to whom respect is owed,

00:22:54

honor to whom honor is owed.

00:22:58

When we owe, we need to pay it.

00:23:01

We grow our financial margin by avoiding debt

00:23:05

and having a vision for what we want.

00:23:08

That's what we want.

00:23:10

So to get started, to spend less and save more,

00:23:13

here's the way it works: give something, just something.

00:23:17

Give something to cuese you and God

00:23:19

that this is Your money.

00:23:20

Save something, it may not be 10%, 15%,

00:23:25

whatever it is right now, 30%, whatever it is,

00:23:28

but something, get in the habit of paying yourself

00:23:32

and building financial margin.

00:23:33

Not saving so you can pay off your credit card

00:23:36

at the end of the month, which is wonderful if you do.

00:23:38

But I mean savings that's lasting longer than a month.

00:23:41

Debt, make the maximum amount of repayment

00:23:45

that you can on those consumer credit card debts.

00:23:49

Max, and try to get out from under that bondage.

00:23:52

And then lifestyle, live a spartan lifestyle.

00:23:56

You can live on less. You can.

00:23:58

You can eat less expensively.

00:24:00

There are people all over the world,

00:24:01

I don't care what you're eating right now.

00:24:03

I promise you there's somebody in the world

00:24:05

who's eating on less money than you are right now.

00:24:07

I don't care how small you think your place is,

00:24:09

I promise you, there's somebody in America

00:24:12

and the rest of the world

00:24:13

who's living in a smaller place than you right now.

00:24:15

I don't care how out of fashion

00:24:16

you think your wardrobe is, I promise you,

00:24:19

there is somebody who has worse clothes than you.

00:24:23

You could freeze your spending right now

00:24:25

and find margin quicker than you think you could.

00:24:29

Margin is the result of being a wise saver

00:24:32

and a cautious debtor.

00:24:35

Stephen Covey says this, he says:

00:24:55

God owns it all, and if He owns you,

00:25:00

He gives you the capacity

00:25:02

to do more than you're doing right now.

00:25:05

You do, you have it in you to get to a new place.

00:25:09

The spirit of God moves on and in His children

00:25:13

to get them to a new place.

00:25:15

The same obviously keeps us out of this conversation.

00:25:18

We don't want to talk about it.

00:25:19

We don't want to talk about it,

00:25:21

because I don't want the stress.

00:25:22

I don't want to feel it.

00:25:23

I understand We don't want to talk about it.

00:25:25

But if you're still in this right now,

00:25:27

you're closer to being free

00:25:29

than you ever thought you were.

00:25:30

That's what God wants for us. Galatians 5:1 says:

00:25:43

God wants you to be free financially.

00:25:46

He wants to be free.

00:25:47

He doesn't want financially you to be moralistic,

00:25:49

like, here's the way you have to organize your finances.

00:25:53

There's programs that do that, that say

00:25:54

this is absolutely the way you do it.

00:25:56

Here's the percentage this and that

00:25:57

and they put a couple of Bible verses on it.

00:25:59

That's fine if those are helpful for you.

00:26:02

This is about a different thing.

00:26:04

This is about helping you be free,

00:26:06

helping you to encounter God.

00:26:08

And many people are not just listening to these teachings,

00:26:11

but they're actually doing a whole program.

00:26:12

I want to encourage you to do the whole program

00:26:14

so you can get free.

00:26:16

You can go to Crossroads.net/freedup

00:26:19

and you'll have resources and apps

00:26:21

and all kinds of things

00:26:22

to get you in your lane to get you free.

00:26:25

This is a $100 value that people are paying

00:26:28

all over the country, but here at Crossroads,

00:26:30

we're paying that for you

00:26:32

in this window of time that's about the close.

00:26:35

We want to pay for you to get financially free.

00:26:38

Take advantage of that.

00:26:40

Go to Crossroads.net/freedup

00:26:41

and do the program, do all the tools,

00:26:44

whatever lane you're in, wherever you are financially,

00:26:46

there's something there that's going

00:26:47

to get you a new place financially and spiritually.

00:26:51

We want you free. Your God wants you free.

00:27:01

– So my lifestyle growing up was a broken home situation.

00:27:06

My mom was single and she worked

00:27:07

two or three jobs to make ends meet.

00:27:10

And when she couldn't, you know,

00:27:12

I would have to go live with other family members.

00:27:14

How I looked at money was just money,

00:27:17

you know, it's getting by.

00:27:19

It was living paycheck to paycheck.

00:27:21

So I did eight years in the army.

00:27:23

I still carried that same lifestyle

00:27:25

of not managing money correctly, you know,

00:27:28

living paycheck to paycheck, even while in the military,

00:27:30

which is where I became addicted to opiates.

00:27:34

And it consume me for a number of years,

00:27:38

it definitely consumed my money situation.

00:27:43

I acquired so much medical debt because of my lifestyle.

00:27:48

Just to go get that next fix,

00:27:50

if I had something minor that that happened to me,

00:27:54

you know, go make an E.R. visit and doctor shop

00:27:57

and just rack these bills up.

00:27:59

You know, the way I was raised was

00:28:01

it's just medical stuff. It don't really affect you.

00:28:05

You can just pay it off.

00:28:07

You know, it's always like you have credit with medical.

00:28:10

All that debt that I thought didn't matter at the time

00:28:14

has come back to bite me in the butt, so to speak.

00:28:17

And my credit is, you know, kind of poor.

00:28:21

Over the course of, you know, eight years,

00:28:24

$25,000 or so in medical debt just from my addiction.

00:28:31

While I was an addict, you know, I was married twice.

00:28:37

And after my second divorce, I had hit rock bottom.

00:28:43

But something was talking to me on the other side

00:28:46

to go get help.

00:28:47

And looking back on it now, I know it was God.

00:28:50

He told me to go take a long walk.

00:28:53

And I got on the Appalachian Trail

00:28:56

and I completed the trail in 109 days.

00:28:59

It was a nice spiritual journey

00:29:01

and it brought me to truth.

00:29:03

And I'm recently engaged

00:29:07

and about to get married here soon.

00:29:09

So when I finally realized that, you know,

00:29:12

I needed this credit to to buy a house, to get a loan.

00:29:16

When I needed this credit to start a family

00:29:20

and have kids, that was kind of

00:29:22

a turning point for me just to tell me

00:29:25

that I needed to take care of

00:29:26

all these things that are from the past.

00:29:29

I didn't file taxes for eight or nine years.

00:29:34

And this past year I've taken care of that,

00:29:37

a huge burden off my shoulders.

00:29:39

I've recently bought my truck, paid off my truck.

00:29:43

You know, I'm getting all my medical bills in line

00:29:45

to make payments on those and just snowballing

00:29:49

all this debt that I've acquired.

00:29:51

But we do tithe and also I'm in student ministry now,

00:29:55

volunteer for student ministry, me and my fiance both.

00:29:58

And we have such a great community through the church.

00:30:01

And it seems like all the giving that we do,

00:30:05

it's just -- it comes back tenfold.

00:30:08

It strengthens our community. It strengthens us.

00:30:11

And I'm not alone and it feels good not being alone.

00:30:16

And it's really encouraged me

00:30:18

to take care of all that from the past.

00:30:26

– As Brian said, this week requires action.

00:30:29

Maybe you've already got a plan together in your head

00:30:32

or maybe you're feeling overwhelmed.

00:30:33

Either way, the best starting spot

00:30:36

is to take that plan of action to God.

00:30:40

What does that mean? Well, in this case,

00:30:42

it means to talk to God, to sit with Him,

00:30:45

maybe even sing to Him.

00:30:47

At the end of each of our weekly teachings

00:30:49

we do this thing called worship.

00:30:52

Right now I want to introduce you to my friends,

00:30:54

Robbie and Amy, who are going to take it from here.

00:31:52

Choosing to follow God's plan for our finances

00:31:55

requires wrestling with our hearts.

00:31:57

Fortunately, God will meet us there.

00:31:59

Take time to clear your mind

00:32:01

and focus on the lyrics of these verses.

00:32:03

Ask God to speak to you and lead you.

00:32:06

Specifically, ask God what it means

00:32:09

to be faithfully disciplined with your finances.

00:32:12

What does it look like to have a plan?

00:32:15

What does that look like?

00:32:16

Well, it could be a simple prayer.

00:32:19

Say this with me: God, thank You for being faithful.

00:32:23

In this moment, I ask You to wrestle with my heart

00:32:27

and make me look more like you.

00:35:08

Choosing to worship God, no matter the circumstances,

00:35:11

is a step of faith.

00:35:12

This may be even more true when it comes to our finances.

00:35:16

Right now, sing this chorus that declares

00:35:19

the faithfulness of God out loud with us.

00:35:23

If you're around others, mumbling is just fine.

00:35:26

Together, we're going to tell God He is faithful.

00:36:56

– Interested by what you heard today?

00:36:58

Well a great next step for you is

00:37:00

to download the Freed Up App.

00:37:02

It's a personalized experience designed

00:37:03

to guide you to a new place of financial freedom.

00:37:06

Normally, it cost $100,

00:37:08

but from now until the end of May,

00:37:10

the Freed Up App is available to

00:37:12

the Crossroads community, that's you, for free.

00:37:16

Just head to Crossroads.net/freedup

00:37:18

to download it. We'll see you next week.

	Stuck In The Middle	0:00
	What Does The Bible Say?	10:33
	Give, Save, Spend	13:00
	God's Provision	18:54
	What Do I Own?	24:55
	God Wants You Free	27:01
	Faithful	30:23

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