Living Covenant Conscious Financially Part 6 | Factor In The Cross | Bishop Rosie S. O’neal

It's my moment. Turn in your

Bibles. Come on. You got your Bibles

with you? Lift them up. Let's get ready

to make our confession of faith. Come

on. Say, "This is my Bible." This is my

Bible. It is God's word. It is God's

word. It reveals to me. It reveals to me

God's will. God's will. Therefore,

therefore, it is the final authority the

final authority to which I submit to

which I submit to settle all the issues

all the issues of my life of my life. It

is the standard of my conduct. And the

basis of all my expectations.

Shout it out. I am. I am. What it says I

am. It says I am. I possess. I possess

what it says I possess. Says I and I can

do. I can do. Absolutely everything.

Absolutely everything it says I can do.

Turn and tell your neighbor I know

that's right. I know that's right. All

right. All right. So, we are in our

series on being covenant conscious

financially.

We want to be covenant conscious. Not

just to shout.

Amen. But we want to be that way

financially.

Okay. So, we began our series and you're

going to 2 Kings chapter 6. But we began

2 Kings 6 · chapter mention

our series in Deuteronomy 8:18 that

Deuteronomy 8:18

says, "It's the Lord that gives us the

power to get wealth that he may

establish his covenant in the earth."

Yes. Huh. Then Proverbs 227 told us the

rich rule over the poor and the borrower

is servant to the lender. So what we

said was we need to check our attitude,

our alignment and our awareness.

All right. We need an attitude that God

wants us blessed.

God wants you to have go. This is not

go. Having just enough when it is not a

survival time or wartime is to be

selfish.

I just need just enough. The devil is a

lie. You don't want more so you can help

somebody. You don't want to check in

down on your family, your neighbors. You

don't care nothing about that. No, no,

no, no, no. I have to change my

attitude. I not I got to move from not

enough. Move from just enough to more

than enough. Amen. And I need to make

that an attitude change. What kind of

change? Attitude. Because remember, if

you only do change behavior but not your

belief, if you only change habit and not

the very heart of the thing. If you only

change the practice but don't change the

perspective, you just postpone the

behavior till another time.

You stop cussing right now. But if you

don't go back and dig through your head

and get that junk out and say, "I don't

even know why I thought I needed to use

other terms that were vulgar. What was I

even thinking to disrespect myself and

my mind?" If you don't go back and dig

it out the next time somebody does

something,

preach. All right. So then we've

realized we need to be in alignment.

That always gets fewer. Okay. Be in

alignment financially. be a tither. It's

not an option. It's a part of our faith.

You know, I was thinking about it. I

told them I was coming down my stairs. I

have um to my to our left we have Muslim

neighbors uh on down and uh in fact the

two beside us and the one in front and

um one of their mothers passed. So I

text her to say, "Hey, you know, I'll be

praying for you and your family and da

da da." She was like, "Oh God, this

means so much more to me than you would

even know. Thank you so much for praying

for me." And on and on. just sweet

people. And uh I was thinking about it,

their faith seems to be uh a little bit

more

daily routine

required. And I said, I was thinking

this coming down the steps this morning.

I said, we have to be careful. We have

such glorious Sunday celebrations that

if we're not careful, we'll think Sunday

is the end of our faith.

[Music]

Yeah, because we could we don't just

come and listen to a speech, say a

prayer, and read a scripture. We going

in. You understand? We we done heard

about seven songs already.

We done hollered, cried, screamed, then

Steve Hartman. We we we go for the whole

gamut, right? But if we're not careful,

we'll think that that's it. But the

daily alignment,

your faith is more than what you

believe. It's the way you adhere to the

belief system.

I'm holding the mic out for the clap.

[Applause]

Yeah. So, get in alignment financially

because you cannot disrespect God and

steal from him and then ask him to bless

everything.

That was like them people who tried to

jump in the fastass lane, Kevin. Y'all

see them? They tried to get in that

fastpass lane like they had it. And then

you get to a certain point and you had

to put your card up against that thing.

They said, "Ma'am, you in standby." So,

not

only you, now you got to get back out of

that. Everybody looking at you. You

understand what I'm saying? And you got

I don't want that.

Go on and be right with the Lord. Amen.

And then we said you need an awareness

of two things. an awareness first of all

that you and I because of our walk with

God are made to come out of anything

that would try to hold us bound.

Can I say something to you? All my life

I always felt so undisiplined, right?

And I'm I'm again I'm not the person

that is as great on routines. Y'all know

the fast is no joke for me getting up

that early in the morning cuz I don't

hardly think nobody I don't want to hear

nobody talk at

6:30, right? That's Earl. I'm just not

that person. But God has shown me,

Rosie, stop saying you're not

disciplined. You are incredibly

disciplined. And watch this. So are

y'all.

How many say, "Pastor, I don't know. I'm

going Come on, be honest. I don't know."

Let me tell you something. Everything

about the way you

live, now I'm not saying you couldn't

grow in it. I'm saying you'd be

surprised at how disciplined you are

because you're here right now. How many

Well, now I see a lot of empty chair

which is scary cuz we never have empty

chairs at night. But what that says

rain. How many wanted to sleep in?

You probably would have given almost

anything to sleep in. Right. That rain

was

[Applause]

right.

Okay, but now wait a minute. But you're

here though.

No, no, come on. Come on. You're here.

So, what that says to me, and it's

because you already have this mindset.

I'm a ser I'm a I'm a Jesus follower.

The family gathers on Sunday morning.

So, rain, shine, you know, windy don't

make no difference. Snow, unless they

cancel, I'm coming to church. So that

says to me, you were aware that you

didn't want to go. You wanted to sleep

in, but you have a belief system that's

bigger than what you feel. So you made

the decision to do what you knew was

right. Baby, you are disciplined.

Turn and tell your neighbor, you are

disciplined. You are disciplined.

Everything about our faith shows it. You

getting mad, you didn't cuss the person

out. That's discipline.

No, I'm not. That's not even a joke,

y'all. That's not a joke.

You made decisions because of what you

believe.

It's in you and you need to be aware of

it.

Cuz you don't need to think that you

have to live in a financially tight

situation

cuz it's in you to come out.

Okay. Now, so we must be aware aware of

our ability to come out of anything

because of the way our faith operates.

We get a new mindset. We make decisions

based on what we believe and not what we

feel. So, we're perfect candidates to be

free in any situation. But then also an

awareness of where we are. Anytime you

want to go somewhere, you need to figure

out where you are. Amen. Where are you

starting from?

Come on. All right. Proverbs

Proverbs 27:23

27:23 says that you and I need to be

careful to know the state of our flocks.

So you had homework last week.

Look at you. Look at you. Okay. One

person that put their head down. She

said, "Oh Lord, I didn't do a list." All

right. How many did your stuff?

Okay. Okay. That's

sad. Okay. That's all right. You better

not let me see one of them papers laying

around. All right. How many had already

done your stuff? You've already worked

on stuff like that. Okay. How many got

to do it this week? Okay. Listen to me

when I share this with you. You know

this is love, right? Unless you got a

whole bunch of

money, you you you don't have another

week.

Okay, y'all saw the y'all saw the stuff.

You You better find your way to some

money. You better listen to what I'm

telling you.

All right, moving on. So, the spending

plan, you need to

know what your expenses are today.

Second

2 Kings 6 · chapter mention

Kings chapter 6. That's my review. Oh,

wait a minute. Thank you, Lord. Oh, he's

so good. From Bible study, we will learn

you need an emergency fund. Amen.

Okay, we looked at two verses. Uh,

Proverbs 6 6-8. Go to the aunt, thou

slugger. Consider her ways and be wise.

Whom having no overseer or guide, she

provides some meat in the summer. You

need to be making money now.

Now, a lot of people are going to say

you're in your 70s, you're in your 80s,

and you're going, "Bishop, where were

you 40 years ago?" I understand. Okay.

But for those of y'all that are 40 and

under,

you you ought to be almost coming to sit

on the floor in front.

20,

I'm telling you, you going to remember

me when you get old.

Boy, you remember what was her name?

Uh, she was funnyish and real bright

looking and a lot of teeth and whatnot.

You going to remember

because what you do with these lessons

like this will determine what you are

like when you get older.

Okay. Whether you're wondering who going

to come replace your floor cuz you can't

afford to do it.

Bene going too real. I I need to go

Jesus.

Okay. Proverbs 21:20. I want to at least

Proverbs 21:20

read that one to you. There is treasure.

This is what we learned about this

emergency fund. Treasure to be desired

and oil in the dwelling of the wise, but

a foolish person spends up everything

they see.

You need to have an emergency fund. And

what is that? At least $1,000 to get

started. So if your tire blow out, you

ain't looking around lost.

Come on, talk to me. All right. At least

a th000. Then you want to move to three

to six months of your income sitting.

Yeah. All right. So, Pastor Trev taught

it. It's on the line. It's online. It's

on Bible study. But today, Second Kings,

y'all, Y'all ain't lost your joy, have

you? No. All right. We'll put the song

back on. We put the video back on. We

can't ask Elder Kelly to sing that

again. He killed that. Ain't no more

juice in that. That thing

is gone. Second Kings, starting at verse

one of chapter 6. Come on. And the sons

of the prophets said unto Elisha, Yep.

Behold now, the place where we dwell

with thee is too straight for us. It's

too small. See, when you get a dream,

you got to bust to move.

Okay? Only two people. The place where

we are is too st. It's too narrow. It's

too small for us. All right? So, he

says, "Let's go. Let's build. Everybody

get a beam. We're going to all chip in

and we're going to build a place." He

said, "Okay, go ahead." Verse three, he

said, "Uh, read." And one said, "Be

content, I pray thee, and go with thy

servants." And he answered, "I will go."

I'll go with you. Come on. So he went

with them. And when they came to Jordan,

they cut down. They start cutting down

some more wood. You're going to need

some more. All right. Verse five. But as

one was felling, as he was cutting his

piece of wood, the axe head fell into

the water. Dog gone. And he cried and

said, "Alas, and he wait. Uh-uh. His axe

head fell in the water. And he what? He

did what? Cry. That's what happened when

you when you borrow something and then

it's gone. You

come on, read the verse.

And he cried and said, "Alas, master."

Oh, no. For it was borrowed. Okay, there

it is. M

I need you to I need you to for a moment

identify with the pressure and the

stress and the tears of what happens

when how you feel when something occurs

and you don't have money for it.

You done borrowed this and now it flew

in the water. Axe heads don't swim. you

in trouble cuz you already don't have a

big enough place.

Now you done b Okay, forget it. Y'all

don't know. And don't folk don't even we

don't cut wood. We don't do nothing. So

forget that. Okay, so you b you borrowed

some money.

Yeah.

And then lost your job.

Okay, let's try to put it into you

borrowed some money and somebody broke

in your car and took your wallet and

broke the window to get in. So, you lost

the money you borrowed. Now, you got to

take off a day and you got to get your

W. This is all the scriptures saying.

Yeah. And I need for us to identify

today with that he cried

because this desire to live our lives

for Jesus and to be vessels of God in

the earth is something that says, "Hey,

I want to have the ability to not only

sustain my life, but to have wealth that

could bless other people and create

strength in the kingdom."

Okay, I'm just going to work today. I

came to

work you. First of all, so I'm going to

give you uh we got four little points

today. You going to be able to make it.

My subject today is factor in the cross.

Fact. I know it. It's hard to believe,

but it's in here. Factor in the cross.

So today, we have four points that I

want us to consider as we are covenant

conscious financially. I'm in a covenant

with God. I'm gonna change my mind to

think in line with what the word says.

I'm gonna get in alignment with my

practices and my perspective. Amen.

Amen. Right. Okay. I have an awareness.

I'm going find out where I am

financially. And then this is what I

want to do. Number one, establish the

why. You going to come out of this debt.

And if you're not in that, why you're

going to the next level of abundance.

Establish your why.

You have to understand

something. It is always valuable

time to figure out why you want

something

before you really go after.

It is equivalent to sharpening the edge

of the axe head.

Because if your axe head isn't sharp,

you got to you got to put more force to

it. Come on. Y'all know that you get a

real knife on a steak, you ain't got any

problems. But if you pull that joker up

out the dollar store,

you going to be you going you fitting a

struggle, baby. All right. You got to

establish your why. And Proverbs 22:7

Proverbs 22:7

tells you, cuz the servant, the borrower

is servant to the lender. I don't want

to be in that position. I said, I don't

want to be in that position. Amen. I

don't want to be like 2 Kings 6:5

2 Kings 6:5

crying. What I'mma do? We're supposed to

be opening our mouths and giving God

praise. Amen. We're supposed to be open

giving honor to God. Who's the head of

my I thank God for what he's doing in my

life. I bless God. We don't need y'all

pray for me because you know what had

happened was you know and I and I'm just

you know

that why you call it can't have

testimony service now.

folk up there. I can't even hardly be on

Bible study. People trying to ask, "Can

you cash app at me to get to Maryland?"

No. Doc, get off the thing. Listen to

the Bible study. That's what you need to

be doing. And I'm not saying we don't

have needs. I'm saying but that ain't

the place in time. And usually and let's

say how real you want to go. No. Only

Only a few of y'all say is how real you

want to go. Generally, it's the folk who

ain't tithing and ain't doing right that

always need something.

I know it's hard to clap to it. Lord,

they took my slide away. That I don't

know why they want to do me like that.

Put my slide back up. Establish your

why.

Put that back up there for me. There it

is. See, I want to make sure that you

have it down in your spirit that you

want God to do certain things in

you. Before I get started on this quest,

see, even Jesus illustrated this when it

said in Hebrews, who for the joy that

was set before him, he endured the

cross.

There's something that happens in you

when you put the why in front of you.

Because when everybody else say, "We

going the long horn. You going and you

thinking to yourself, nah, I don't know

what should I do. I got some money."

But you know what? I'm tired of even

having to ask, "What should I do?" No, I

ain't going. I'm going to go right home

and eat what I got. Why? Because in

about 17 months, I ain't going to ever

have to ask this question again. And I

can say no to that food today so I can

say yes to stuff later. Y'all ain't

having church with me. And you got to

get that stuck in your

head. Maybe your thing is legacy. And

that's where we are thinking about how

how can I make the biggest impact on two

or three generations.

I started thinking about that thing. I'm

a little older and I I didn't have my

children very young. So I'm like I got

to come I had to sit down that told

y'all about it and come to grips with it

is possible that I may not see them

graduate from high school. I don't know.

I hope to but the reality is Bishop will

hit that's old will hit 60 in about six

seven months

right so so I don't have grandchildren

yet

so you're doing all you can ain't you

son you're doing all in three months hey

lift lift your left

[Applause]

foot yes sir so right So between them,

you know, we believe God for it. But

here's the thing. If it takes another

year or two,

that would make me 80 when they

graduate.

So I I'm I'm thinking about that and I

said, "Okay." So I'm doing my stuff. I

said, "I want to leave this amount of

money for them cars for my

grandchildren, but not when they turn 16

cuz they going to wreck them." That No,

no, no, no. The old ve the mobile is

coming. You know, I want them when they

graduate college or whatever, I want

them to get that's when they say and

they pull all they graduated and then

the parents say, "Here go the keys. This

isn't from

us. Watch this little video."

Hey, I wish I could have been with you

today. I'm in heaven

though. Right. But I was thinking about

you before I left. So, while you drive

your car, give God some praise. Cuz this

came from a worshipper. Hey. Hallelujah.

I want him riding down with Omar on the

back. Little sticker on it. Let's get

the little sticker made. Look at Bae.

I'mma still be here. Look

at all right. Y'all do what you got to

do. But establish your why because it

motivates you. Listen to me. Your why

motivates you when it's tough.

It motivates you. If it's weight, if

it's relationship, whatever your area is

where you feel like you're behind or

whatever, put the why out there.

When I was getting ready to go through

chemo, I said, "Let me pick where I'm

going to go to celebrate when I get

through." So, I'm going to Hawaii when I

get through. And I would look at the

picture. I say, "I'll be there soon."

And that's what I did. And it motivated

me when I had a little pain. Y'all don't

feel like having church. See, even if

you got a if your relationship's real

rough right now, you got to see you got

to look past right now and say, "You

know what? I don't want to be I don't

want to I don't want to be 79 and 80 and

sitting on the porch and or or not on

the porch by myself." No, I want to look

over there and

say, "You some cheeks."

And I want him just like he did the

other day. We were playing skipo and I

and I almost had him. God knows I almost

had him and I lost right at the end. And

so I walked past he was in his man cave

and I

said and y'all know what he did? He's

loser. Right. So, but I want to do that

when I'm 80.

So you got to put that in front of you

when they come in the house. How was

your day? Fine. And you get mad.

Let's see how quiet they got. Y'all

don't Why do y'all come?

All right. Push your neighbor and say,

"Establish your why." Establish your

why. Why do you want to be financially

free? Why do you want to have excess?

Why? Why does it matter to you? Why? I

don't want to hear I don't want to have

to worry about who calling my house.

I don't want to have to worry about

what's will happen to me if I'm not

feeling well. I want to be able to pay

for a nurse to come in the house and

take care of me.

Establish your what? Wow. That's right.

Then number two, you need to decide on

how you going to do this. How you coming

out of debt? On what? How? How? Yeah,

remember that. Now, there are two

primary methods. How many? Two. Now, I

know this don't seem spiritual for

everybody, but it'll seem spiritual when

you don't when like I was at the movie

theater and one of the members leaned

over and said, you know, we put all this

into practice. We paid off our house in

January.

Hey, not not in front over there.

remember to the left side. There he is.

Yeah, cuz see we got that camera right

there, I think. And there we go. Thank

you. You got two basic

methods. You have consolidating your

bills.

Put that up there. What's that say?

Warning. Can y'all see that? Warning.

Why? Because this is what people do. If

you owe, let's say, seven, eight places,

cuz if you did your list, I did one

based on a couple making

$90,000 and their mortgage was

$1,800. Oh, we got a slide for it, too,

but not yet. And so I did all this

stuff. Them jokers was already in $1,000

worth of debt before they even got to

the credit cards.

And their only mortgage was only 1,800.

So what they do is they say this is what

you need to do. You owe 17,000 here and

you owe 14 here, six there, two there.

Put it all into one. Lower that payment.

Push your neighbor and say, "Warning,

warning, warning, warning."

Let me tell you something.

The only time, what did I just say?

Consolidation is beneficial is if you

are the almost most disciplined person

in the

world and you will not veer at all from

your plan.

Cuz this is what happens. People put all

the bills together. They said, "Thank

God, honey. God really came through for

me cuz I was tired honey. Every time the

phone rang and I got and that's what

they tell you. I know you're tired of

the phone

ringing. Let us put all that together.

So now you're not paying 225, 240, 390,

60 this. You just paying 400. You say, I

just needed, pastor, I'm be honest. I

just needed a break. And you'll ride

that break for about 4 months. And then

you going to open up another card.

And then you going to open up another

bill. And before long, you got all of

that and all of these two. And I know

you say, "Pastor, I want Look at how you

got where you are."

Now, I ain't trying to throw shade. We

shining light, right? So, here's you.

You This is

dangerous.

Okay. Second

way. I don't I just That's like I told

y'all last week about bathrooms and

stuff. And I told you and I'm using cuz

you see them. The commercials are

nonstop. We can fix your bathroom in a

day and they show you the little rotten

stuff and all that rust and all that

stuff and the tub. You be like, "Dang,

they steal you. Oh lord." And they say,

"I need to get that." And you don't have

to pay the 2028.

And you know, and look, I'm not picking

cuz you know I did this, right? You know

I've done this kind of dumb stuff.

That's how I can teach y'all about it,

right? So you you get it done. You feel

I ain't got no payment honey. By 2028,

I'm going to have paid it off cuz what

I'mma do

is now here's my thing. You were looking

at all that rust and that that little uh

the little water thing that you could

move back and forth like that cuz it was

rusted out and you didn't save any money

then to get it fixed. Now that it's

fixed, you think you going to start

saving for it? It ain't fitting to

happen, baby.

and you'll get up there and get right up

on the precipice of that pay, that first

payment, and they tack on that interest

that you ain't had to worry about the

whole time.

It's it Anybody ever heard of rent to

own

furniture? Sit on the

floor. The Lord wants you to lay on the

floor. That's what God is calling for.

You don't you 25% interest that by the

time you get through paying for that

couch, that couch won't be $800. You

done paid $12,000 for that one

couch. God knows. All right. The next

kind is avalanche. Is what? Avalanche.

All right. Now, what that speaks to. So,

look at this on this particular

one. Y'all got a camera so that the

people on the side can see it? One of

the cameras. Put it up here. John, can

they see it? Okay. This

family makes

$90,000. Top. What's Who knows what top

is?

Tithe offering and pastor. My God, you

better praise him. So they make $90,000

a year, right? Y'all sleep? Okay, that's

7.5K a month. All right. So, their tithe

would be 750.

Y'all y'all know how do I stuff? Let's

pretend they're giving $50 in

offering/pastors offering, vision

builder, everything got to come in that

$50. Sometime it's like that. All right.

So, so as they say, it be like that

sometime. All right. So they got $1,800

worth of mortgage, utilities, three,

phone, two, car 650, cable 139.

What?

Oh, cable more than

that.

Darn. Insurance on car number one, $90 a

month. Car number two, $435. insurance

80 allowance that's two people that's

$50 a

week

food now food is low

but I'm thinking if you got that much if

you got allowance you try to cut back or

something life insurance

[Applause]

I wish you would put

Oh god did y'all hear me did you hear my

mind that fast I better not see a corner

near member

Go.

Grooming cuz you know the guys going to

get that haircut. You just might as

well. Ladies, we you know. Amen.

We do what we gas,

right? Child care.

I'm just pretending they only got one. I

don't I don't know what to if they got

three. I don't If you got three children

at $150 a week, that's

Huh? Oh, they go to corner cuz it's

usually what? Two

how much?

270

273

a week. How many kids?

Let me take this time to invite you to

Cornia

Kaleidoscope. I can't even deal with

that. Incidentals, y'all. These people

already are over their balance because

though you make

$75,000, you only going to bring home

maybe.

Maybe.

When I did the math on these people,

they were minus

$800 every month. That doesn't

include the minimum payments of

235 125.

Lord JC Penney, holding

on. All right. Now, why was it important

to put these interest rates up

here? This, listen, you have to pay

attention. And I know there are some

people that will probably not want to

watch this and don't feel like this is

churchy for

them. But where are we going to learn

this stuff? Cuz they sure are not

teaching it in school. And if you don't

come from a financially educated family,

then you think it's okay to take your

title

down to the the car play and get get,

you know, to one of them little check

places

and get a loan at 30%.

You don't buy a car at 10%.

You don't No, no, no. Get a bike.

get an electric bike

and a rainshaw

and go to work

until you can afford better. So the

avalanche method is based on like if you

had a mountain and the goal is to knock

the stuff out and then add the payment

to the next one. Right? So you only owe

75 $725 at JC Penney. We got to hurry up

and get through with that. All right. So

now if you looked at your sheet, the

whole premise of this is as soon as I

get this knocked

out, soon as I get that, now you would

normally go from the highest interest

rate, but it depends on how much you

owe. Sometimes you need to pay off the

little ones first to give you a sense of

momentum.

And as soon as you pay it off, cut it up

and call write the letter and get it

taken off your credit report.

Jesus. Every now and then, Jesus. See,

now the cross enables us to do this.

Again, look at what Jesus did. He

established his why the joy set before

him. He endured the

cross. Same thing here. I'm trying to

figure out how I'm going to do it. How

did he save and rescue us? The cross.

my ability to go ahead and suck it up

and pay it off. Say, "No, we going out."

No, we're not going out tonight.

No, no, no. We good, baby. Let's watch.

We can watch that on TV. Come on. I want

surround sound. I'll stand behind you

and holler. You understand what I'm

saying? We trying to pay the mess

off.

Y'all, I'm sorry. The way stuff hits my

head. Right. So, as soon as I get this

paid off, I'm then going to take this

$40

and you can look into you have to take

the time to see which one is really best

advantageous and I'm adding it. So, now

I don't have to pay this 40. That don't

mean I should go out and raise up cable

and add a whole new

channel. It means now I got instead of

125, how much can I pay?

165. Then watch this. When I knock that

out, I add this to that. Now I'm paying

almost $400 a month to get this one

taken out and I've called and gotten rid

of that

and I've gotten rid of that and taken it

off my credit. So I've I've closed the

account down.

You see? So, I'm using this whole

concept of I have the discipline to

apply my faith to this area and I'm

going to deny myself, take up my cross

and knock these bills out in Jesus name

or knock these goals out in Jesus name.

Are y'all following me? All right, come

on. So, let's look at something else.

We're trying to get through. All right.

You got to watch this. You got to

establish your why.

decide on your how. Now, oh, Proverbs

Proverbs 13:11

13:11. Proverbs 13:11. Real quick, real

Proverbs 13:11

quick. I know

y'all maybe y'all help me. I can holler

30

seconds. It says, first of all, wealth

gotten by vanity, it ends up diminishing

anyhow. But if you get if you get it by

labor, that's when you really increase.

Can I tell you something? It will change

you to change your financial situation

because you put a plan in place.

It's not just it's not just okay at the

12:00. Now, I encourage you to watch 12

from last week cuz I think it was more

succinct. But I called this brother up

and gave him $700. I was going to give

him $500. Somebody else gave me $200

more. So, I gave it to him. Well, he

just went down. Great big old fell just

went to jumping and bouncing and it was

really great. And I said, "Has that ever

happened to you before?" He said, "No."

I said, "So apparently your

experience doesn't have to control your

expectation.

You can still have an expectation of

something you've never experienced.

God does not need it to have happened

before for it to happen for you now. I

wish I had." So Okay, she got it. It

doesn't have to have happened before.

God can bring a billion dollars in your

hand. You just It doesn't matter that

you don't know nobody with it. God can

make you the fir. Y'all not churching

with me. You see, and so you have to

have that in your mind.

All right. Decide on the how. Decide on

the how. And you become something

different. A person that wins the

lottery generally doesn't have anything

two years later because they didn't get

what they got through labor. Sometime if

you give your children too much, you

have to gauge the kind of person that

they are. Cuz if you give them too much,

they can become entitled acting and

lazy. They said, "I need so and so when

I need moved in that apartment." I said,

"Gosh, man. I'm going to need to tilew."

I said, "I need I got to cut on

electricity." Your dad My dad said,

"Yeah, you going to need

that." Which meant I'm not giving you

nothing for it. You should have known.

Hope it work out for you. Well, I

thought it was the meanest thing. I'm so

glad he didn't give it to me because I

felt like somebody when we were able to

go cut the electricity on and I became

something. Don't hand your children too

much beyond what they can take.

I told my boys earlier I would just It

would kill me to know that y'all were

trifling

and

lazy. Oh, it just it would break my

heart. Thank God we got workers. Amen.

Number three, designate your

wear. Designate your wear. Watch this.

Now, that means that spending plan that

half of y'all didn't

do. I don't like doing budgets. It's not

a

budget. It's a spending plan.

It's you deciding where you're going to

put your money. Yeah.

I made a decision. I like the old me.

Me, too.

And I realized after watching some

people that I didn't want to get older

and not have a sense of security. I know

my security is in

God. But I also appreciate that the Lord

was the one to help me see, put some

money aside.

I know y'all. Oh, Lord. Maybe they'll

come back next week. Jesus.

You got to designate where you want

stuff to. It's the same thing with time.

Everybody in here is not in debt.

Everybody in here is not in debt. You

got to put You need a a living plan.

What about how you spend your time?

You got plenty of money, but if you

don't put any time in your

relationships, they ain't going to have

no depth to them. You don't have time.

And I just got so much going on. It's

always so much. It's just I got so much,

you know, I just I feel like I'm just

overwhelmed all the time and and well

people I mean I want to go out but I

just don't have time. And then you sit

around and say I don't have any friends.

No, you don't cuz you don't put any time

in.

And you got the same amount of time

everybody else is. You just invested

differently.

Ah, y'all are wonderful people. Just go

on finish rose. It's not going well for

you today.

designate the where you commit to preset

limits

I'm going to spend. See a lot of stuff

what we do is we go out like and buy a

car and they hope to be able to pay for

it instead of having your pre your your

spending plan down and seeing what you

can't afford.

But I feel like God want to give me the

desires in my heart. He does after you

pay your stuff off.

Do you see how wise people don't holler

want to come back to church sometime? I

don't know what is.

No, this I can't I can't go out and and

I you know you you Oh, you're driving

good and don't own nothing.

Come on. Talk. Come on now. How many

admit some of us didn't know? We didn't

know. Honey, we went out. I got a I was

talking to a pastor and uh he was

telling me he's like I never heard any

of this stuff driving a Mercedes and

don't own nothing.

[Music]

Okay. So, well, you need to buy

something. I

can't. Wow. But never heard it. Didn't

know it. Didn't know you should the

place where they said no, you ain't got

to put no down payment. Run from that.

Run from that,

honey. I ain't have to put nothing down.

God gave me

favor.

Favor. And the people across the world

while you signing, they holling favor.

Cuz they getting ready to take all that

you owe and throw 20% interest on that

thing. And while you think you got a

deal, you just put their children

through college off that raggedy car

that you just

bought. Now don't look at me strange now

cuz I drove the same vehicle for 10

years straight. And if anything happened

in that niece guy will get big blue

right back.

But I'm trying to get you to see this is

the game they playing. No, but see you

and I, we don't have to have a certain.

Now ain't nothing buy again. If you have

money, buy what you want to buy. If you

don't, same thing I tell you about

funerals.

I know y'all to get tired of this. I

know you do. But you going to appreciate

me when I'm gone. And I won't care when

I'm gone. But I'm just saying

we love the people. Oh,

that person is gone.

And the money you get ready to spend is

not for them. It's for either your how

you want to be seen

or for these people that are nosy.

Now, if you got

$15,000, go ahead.

But if you don't,

that is a kingdom resource.

Designate. Some people had to do their

stuff with the envelope system. Anybody

know what that is? That's when you get

that check. Y'all sit down together. You

say, "Okay, this is our entertainment

money." You put it in the envelope, say

entertainment.

And you look at

it. You go back to it. It's the same

amount and you have to agree to follow

that system. Let me get to this last

thing and let y'all go home

today. You designate the where. Please

fill out your spending plan. In fact,

can you help me encourage your neighbor?

Say, "Please fill it out. Please fill it

out for yourself, honey. Fill it out.

Know what you have." To my pastor, it's

too ugly. Look at it with eyes of

faith. All right. Now number four and

finally factor in the

who and the

cross. Factor it in. In second Kings we

are introduced Elisha or Elisha as some

call him. They had some people. They

needed another place. It was too small.

They did not have all the resources but

they w were willing to put the work in.

They borrowed the axe head because as

you can imagine that is the expensive

part. They got the axe head. They

started working and while they were

cutting down the trees it flew off into

the water. Now here's the thing. It

brought stress. They instantly started

crying. Oh no. They started panicking.

What are we going to do? See an

emergency fund. They'd have just been

like darn. Well go get some money out

the emergency fund. Yeah. But if you

don't have it

So the axe head goes down and they start

crying and they go to the man of God and

they say, "Man of God," and he, "What

are we going to do?" He said, "Where did

it fall? Where did it fall? I told you.

How you going to get out of where you

are if you don't know where you are?"

When did this thing start breaking down

for you? Y'all not having church with

me. When did you start making the bad

decisions? Right about that time that

you got that car. Get rid of that car.

I remember John, what kind of car were

you

driving? He done even forgot how you

would have had so many vehicles to be so

young. Well, he had this nice car he

bought, the Audi Q7, a grown man's car.

That's a older grown man's car. So, he's

riding around in it and he starts doing

his stuff. He knew he wanted to be at a

certain place by a certain age. That car

was expensive.

I ain't say nothing. Did you say

anything to him about

it? He

realized I'm spending a whole lot of

money to be about 25 years old.

$763 and what 95. See that thing scarred

him. It scarred him. He still remembers

how much it was. That's been two

vehicles ago.

But he was able to do it, but it wasn't

wise. Oh God, I wish I had some church

people in here. He said he was able to

do it, but it wasn't wise. It wasn't

moving him toward the goal he wanted to

go to. So he said, "You know what? Let

me take up my cross, turn this car in,

get me one that's about $300 cheaper,

and start moving toward Y'all ain't

having church with me." That's what they

He said, "Where did it fall in?" And

they told him, and this what I want you

to see. He took a stick. Yeah, that's

for my preachers right there. He took a

stick, a piece of wood,

a cross, and threw it in. See, you said,

"Pastor, I've been trying to get out of

debt for the longest. I've been

believing to get out." But you ain't

factored the cross in. You didn't factor

the fact that you know how to deny

yourself when you want to. You need to

factor the fact that you got God on your

side. You need to factor in the reality

that you know why you want to do it.

Now, they threw the stick in and the

Bible said the axe head begin to swim.

I'm trying to get you to see when you

factor in the fact that God's got a

covenant with you. When you factor in

that you were made to deny yourself so

you could have better later. When you

factor in the fact that God will breathe

on your obedience, I'm telling you

something getting ready to raise up for

you. If you'll factor in the cross,

nudge your neighbor, say, "Factor the

cross in." Cuz this is what I learned

about the cross. Whenever we die on a

cross, God gives us a resurrection. If I

can die to it right now, then in

about See, y'all ain't churching. You

want to holl at three days. in about 3

days. I don't know how long your day is.

It may take 2 years, but I'm coming

out with all power. I'm coming out with

more than I thought I could have. You

got to factor it

in. I'm telling y'all, I'm not just

trying to holler for Holla's sake, but

you got to factor it in. I don't care

what the circumstance looks like. Amen.

I'm not just in this by myself.

He walks with me. He talks with me. I

got the God factor on my life. And when

I throw the cross in, when I factor in

Jesus, when I factor in who he

[Applause]

is, the Bible says when they threw that

stick in, the axe head floated and they

were able to take it.

Look at what it said. Oh my god. It

said, "Take it up to thee."

And he put out his hand and took it. You

getting ready to get control of your

circumstance. Y'all don't hear what I'm

saying. You getting ready to get a grip

on this thing. You getting ready to grab

hold of it. I'm telling you, there's

another place God wants for you to walk

in financially. I wish I had some real

faithfilled people. Somebody getting

ready to grab hold of it. Everybody in

your family talked about it. But God

going to let you be the one to get your

[Applause]

hand. And all I can tell you, all I can

tell

you is there's no way I should be able

to live like I live and do what I do.

Come on now. But I factored the cross

in. It don't make sense if you just look

at me. It don't make sense if you just

look at Ba.

But if you factor in the cross,

[Applause]

I'm done. But I've told you we bought

that little spot. Bought a spot for my

parents. And uh they kept saying, "Are

you is you are you going to use it for

rental property?" I said, "No." They

said, "Are your parents moving up here?"

I said, "Probably

not." I said, "Cuz they don't want to

leave their house. They need to, but

they don't want to." They said, "Why are

you buying it?" I said, "Because here's

the thing. If something happens to one

of them, then now I'm in an emergency

situation. This place ain't but one

minute from my house that I ain't going

to get that opportunity again. Honey, I

got a handle on it. Hey, thank you,

Jesus. I went from always being scared

to open up bills. And it didn't happen

overnight. All night Thursday, I was

scared to answer the phone. All night

Friday, I still owed a whole bunch of

folk. all night Saturday. I wasn't sure

I was going to pay it. But

early

early Sunday morning, I got up with a

few dollars in my hand. I got up able to

do what God called me to

do. And it ain't just for me.

Oh, no. It took some time.

Ooh, but you talking about frolicking

now.

They laughed at me cuz I wore them same

pair of jeans.

Mhm. Sure did. I ain't shamed.

What? Why? Everybody was laughing

because I had on the same pair of jeans

and t-shirt. You're tucking a couple

dollars

aside. I wore my same black tennis shoes

so much. Bae named them.

He said, "Yeah, she got the Bishop Roses

on today."

No, that's what they did. Same truck, 10

years, same jeans, same

t-shirt. But guess who's retiring in

peace? I feel like Disney

World. Do you understand what I'm

saying? You said, "Bishop, I don't I'm

gone." Come on, walk with me, John. You

said, "Bishop, where am I? Time to get

started. Look in your house and see what

you can't sell. Sell some of that mess.

Some of us got jewelry. We ain't going

to never wear that jewelry. You ain't

going to wear that jewelry. Go get rid

of that stuff. Get that $1,000. Tuck it

aside. You say, "Well, I'm scared. I'll

spend it." Find somebody that, you know,

they'll get there. Find that aunt. She

ain't going to never give it back.

I'm just trying to get y'all to see.

Yeah, I know it don't seem spiritual to

you, but I'm telling you,

these are the kinds of lessons that when

you turn your love for Jesus and your

faith on these situations, God can

change it. I'm telling you, I'm a

witness of it.

He's faithful. Come on, Doc. Come on.

So, let's give God praise for his