Debt Free Living: Breaking Financial Chains | Overflow | Apostle Mike Singorelli and Pastor Randall Duperval

We're gonna have a living room conversation.

So here's the rules of engagement.

I need everybody to take notes, whether it's digitally on

your phone or physically in a notepad.

How many of you are notetakers and learners?

And.

Okay, so I need you to take notes because you're gonna be given

so much wisdom.

And then also I need you to just lock in.

Tell your neighbor.

Lock in now.

Tell the other neighbor you ignored.

Lock in.

Okay, Lock in.

This is gonna help you tremendously.

And let me just say the little backstory here.

So you basically started attending V1 church, and I started

to become aware that you have many different giftings.

One of them is in the area of finances.

And you started to basically get commissioned to go help the people

of our church with budgeting and with finances and biblical principles.

As a matter of fact, we were preparing for this Sunday, and I

was talking to our entire staff across the nation, and one

of them literally said, pastor Mike, I don't wanna cut you off,

but I just have to tell you how excited I am for Pastor Randall

to be on stage.

Because she said.

And she's on staff in Indiana.

So this is 1,000 miles away at our Indiana location.

She said, my husband and I had been working careers and making money

for years and years and years, but we were always in bondage.

We had debt.

It just felt like we never had enough money.

And they went through your course through V1 Church, and you

discipled them.

And she said that they experienced massive breakthrough

in their finances.

And then she said, we kept getting so many raises and so many

increases in our finances that we had to keep increasing our tithe

to the local church.

And she attributed it to the anointing and the gifting and the

wisdom of this man.

So how many of you are saying, I'm next.

I'm next.

I'm next.

Come on.

I'm next.

Here in Brooklyn, they're like, I'm next, Lord.

And so, Pastor Randall, the question I wanna ask you just to

jump this thing off, is you've sat with, I mean, probably hundreds

of people of our church across all locations, and, you know, I feel

like showing somebody your finances is like getting naked in

front of each other.

It's like going into the locker room, you know, it's like,

you know.

Cause that's something you don't do.

Was that weird?

But seriously, I mean, finances are just.

It's something where it's, like, ambiguous and you don't know.

And it's.

You know, how fat is Pastor Mike?

You Know, like, I know he wears a lot of jackets.

You know, it's like finances feel like that.

You know, I think he has money.

I think I saw, you know, a watch.

I think I saw.

Look.

And we always try to pick up on the clues of what could be underneath

the clothes.

And so, in the same way, you are one of the few people where you

have legitimately seen hundreds of people's bank accounts

and their finances, and you have a lot of.

So the first question I want to ask you as we get into this biblical

wisdom is what are the top excuses?

Or, okay, let me keep it a buck.

What are the top lies that people tell you when you meet with

them?

I'll tell you this.

Well, first of all, I want to say thank you, Apostle Mike, for

just.

We have one of the best leaders ever for this semester in

our lives.

Like, y'all need to clap it up higher than that.

Like, come on.

Thank you.

Thank you.

Just going to say it because I am the man that I am.

My wife is the woman that she is.

Many of us, many of you that are watching that are online, that

are sitting right here, you are who you are because of this man

toiling, because of the nights where he was probably not laying

next to Pastor Julie, who is a phenomenal woman of God as well.

Right?

But then he was actually praying, right?

He was actually figuring out some things for us.

And I just want to thank you so much for being the man of God

that you are.

And if you're not who you want to be just yet, that's on you.

I'm just going to say, all right, I'm going to leave.

I'm going to leave here in a little while, so if I mess things

up, Pastor Jocelyn and Pastor Eddie could figure it out.

But one of the excuses.

Can I just give you one?

Because the one.

I'll tell you this, the one excuse that I hear, and I think many

of us can say this, is, I don't have enough money.

I don't have enough.

I need another job because it's just not paying me enough.

I need to find another side hustle, because this job right here

just isn't enough.

And when I go into your finances and when I've gone into

the multiple people's finances, I will see that there is

more than enough.

And I'll tell you how I know this, because I've actually, me,

myself, I remember my wife and I, we were.

When we first started getting our finances in order, I remember

calling her up one day because I was just like, man, why does it.

I'm making 60,000.

She's making a lot more than me and stuff like that.

And that was a.

I went through a deliverance for that.

Because, you know, as.

As.

Listen, men do not.

Men that are watching.

If you're in Miami, okay, I'm coming for you.

Miami, all right?

Wherever you are, I want you to know your wife making more than

you should not make you feel belittled.

You are all bringing in money together.

And so at the end of the day, the money is coming into one pot.

And if you're over here fussing and figuring out what other

job can I get, so that way I can make more than her, and this

might be a secret thing that you're dealing with, well, I want

to let you know that that is not a secret anymore.

I see you, and I want to call you up to stop focusing on that and

focus on the money that's actually coming in.

And then you'll realize that there is more than enough.

All right?

But anyway, that wasn't where I was supposed to go, but it was

necessary.

All right?

But I will go through people's finances, and I'll see that there's

more than enough.

And I remember looking at my finances, and I was like.

I called my wife up.

I was like, mary, Babe, we are making enough to pay off all our

expenses.

Then we have an extra $2,000 left every month.

She's like, what?

I was like, yeah, where is it going?

And we had no idea where that money was going.

No idea.

And that's where I was just like, I've got to get better with

my finances.

And in a couple, like, year.

I think a year or two later, I started to talk to you about, like,

my passion for just wanting to see the people of God just free in

their finances.

So I think the number one thing is, you know, like, I have

more than enough.

I don't have more than enough.

Have you said that?

Raise your hand.

Don't do it.

Don't do it.

Don't do it.

I was just joking.

I was just joking.

Well, here's the wisdom key for you.

Without a budget, you'll never have enough money.

Without a budget, you'll never have enough money.

Now I'm gonna get real vulnerable with you guys.

And, you know, this is what this conversation is about, because

that you just dropped so much wisdom is oftentimes we make excuses.

I don't have enough.

I don't have enough.

But we're buying things that we can't afford out of and we're

buying things out of season.

So it might be the wrong car or it might be the right car for

the wrong year.

Let me say it again, because my wife just sent me a picture of

our Kia Sportage getting loaded up on the back of a flatbed

as they were towing that sucker away.

And we basically raised an Entire family for 15 years almost

on that one Kia Sportage.

Am I right?

12.

Okay, she ain't giving me those three years.

12.

But let me tell you why I was ashamed of that Kia Sportage.

As a testosterone driven, bearded, bald headed, hairy Italian

male, the idea of driving a Kia Sportage was emasculating to

me because my vehicle, I'm just cannot.

How real can I be?

Cause these are money talks.

Welcome to the living room.

We're gonna get into the word.

Let me just tell you.

It was emasculating because before that I had a truck.

Now in Indiana, we have a starter pack for men.

You get a shotgun and you get a truck and you put the shotgun in

the truck and you just wait for the day of full cross.

Okay?

Nevermind, Lord, please.

And so to go from that truck to a Kia Sportage was embarrassing

and emasculating.

But let me tell you, I was going from glory to glory.

And actually what was happening was I couldn't have a car

payment because the Lord had called me into that next season and

he asked me to do some things and I had to sacrifice temporarily

so that I could step into my destiny.

And so the thing is, now I have a vehicle, a new vehicle.

But also it serves a purpose in this season.

Cause it's a large vehicle.

I host many people from around the world, I drive them all around.

And that vehicle serves a purpose in this season.

So I believe I was always going to have that vehicle.

But the question is, when?

So it's like, are you willing to not have a car payment for enough

years so that when you get that car payment, it doesn't destroy

you?

Because the thing about this is, man, I just gotta help y'all.

Did you know that you can take your car with payments back to the

dealer and give it back to them?

Because what happens is some of you guys are saying, God, why

have you forsaken me?

And the Lord is saying, daughter, why did you spend your

money like that?

I did.

Bless you.

But you didn't do the right thing with the blessing.

Okay, we're going to get real naked spiritually for half of the

duration of time that I've been the lead pastor of this Church

let me slow it down for half of the duration of time that I've

been the lead pastor of this church in order to get this thing

off the ground.

I lived so sacrificially that I lived off of $50,000 a year with

a family of four in New York City.

And that might be shocking to you.

How did you do that?

It's not.

How?

Why?

Because I had a vision bigger than me.

And first thing I did was I found an apartment in Queens where

it was $2,000 a month for a 600 square foot apartment with all

utilities included.

And some of you in the room here in the city, they're like, let

me talk to your realtor.

That ain't that bad.

Am I right?

Isn't that pretty good?

2,000amonth, all utility.

And I was just running that water.

I was plugging everything in.

You get a device, you get an outlet, we all get it, plug everything

in.

But it was 600 square foot, $2,000 a month, all utilities included.

And I had the Kia Sportage.

No car payment, and I made $50,000 a year.

Now, my board of directors said, we don't want you getting a

side hustle because the church has to be the main thing in order

to succeed.

And we need you to go all in.

And we found out through Julie's doctor.

Cause she had a doctor at the time, and she found out about our

situation and she said, yeah, there's this thing in New York City

where they take Whole Foods and Trader Joe's groceries and redistribute

them through an organization called Food Not Bombs.

So I was supplementing my groceries with Food Not Bombs.

I had a used car and I lived in a 600 square foot apartment.

And we budgeted our money and we were able to survive for half

of the duration of the entire existence of this church because

I was reinvesting whatever money I could pay myself into the

church to launch campuses and get the vision to come to pass.

So I think what happens is it's like you have to be willing

to.

You can't have both.

Like, there's some seasons where you can't have both.

And I know if you're taking notes, there's wisdom and saying,

God, I believe I'm gonna get there.

But there's.

And so for you, you've been willing to go through that season.

What does that look like for you?

Cause I feel like right now your life is sort of demonstrating

this.

You may have a vehicle that you park down the street.

Yeah, you're actually Right.

I actually did.

I actually did.

So I have two vehicles, both of them, no payments, so they're

all mine or whatever.

And one of the vehicles actually have not been in commission

for months now.

Like, I mean, almost a year, because we didn't have enough to

make the payments to get it fixed.

And as a matter of fact, what ended up happening was our.

What's his name?

Mechanic.

The mechanic was like, hey, you might as well just throw this

away, get a new car.

Don't worry about it.

And it's funny how other people want to tell you what to do

with your finances when they have no idea what your finances look

like.

You know, you'll look at me right now and be like, oh, he's good.

No, but my car's parked down the street around the corner.

Because at the end of the day, I don't want you asking, hey, Pastor,

can I give you a walk to your car?

Nah, it's okay.

Let's talk right here.

All right.

We could talk right here, or can I get a ride?

No, I'm not going to be liable if.

If my car breaks down and then you're like, man, I don't even know

where I'm at.

I don't know where to go now.

I got to pay an Uber ride for you.

Now, we're not doing all of that.

All right?

We're not doing all of that.

But let me tell you what's funny while y'all are laughing.

He has two cars with no payments, but he's a homeowner.

And one of them's a liability, and one of them is an asset.

And you got people who don't own a home but have car payments,

so they have a liability but no asset.

So it's like when you talk about wealth building, when you talk

about finances.

He said, I'll prioritize my life in such a way where I get the

asset, and then even though the liability, I'm gonna have to

park it around the corner.

Cause I don't want you seeing my van.

Right?

And so that.

But what happens is.

And women, single women, don't be impressed by the car that he picks

you up in, because he might have peeled those rental stickers

off of it before he got to.

You don't show.

In other words, don't show me liability.

Show me assets.

And where we've gone wrong in the body of Christ is we haven't

taught assets.

We haven't fought to build wealth.

And so we need to normalize.

Show me your crusty car.

Show me the thing, because that's the proof that Randall is

like, hey, this house is appreciating in value, but a brand

new car depreciates in value as soon as you drive it off the lot.

And so I think what God wants to shift you into is the Bible says

that the borrower is a slave to the lender.

And so I believe that slavery is gonna be broken because you're

gonna take cars back.

As a matter of fact, one of my favorite tricks I used to do is I

would go to the dealership and I would say, show me the lot with

the cars for the trade ins.

And I would literally buy cars cash.

And Julia remembers this.

Every single car I would buy cash.

And I would pick from all the cars on the trade ins which one was

the best one.

And knowing that those guys were not gonna make any more money

off those cars and they were gonna send them to auction, and I

would make.

And I would give that guy one last opportunity to make money on

that trade in.

And I did things like that for years.

Why?

Because I'm much more interested in buying assets than

I am liabilities.

And so I think what happens is we have the wrong value system.

And so for some of you, you just did what culture taught you

to do or what your friends saw you do.

And I really believe that as a church, okay, can we keep getting

vulnerable?

Cause it's getting real quiet here.

As a church.

We can become the people that say, I give God financially what's

best and what's first.

And I'm never gonna tell God I can't tithe, but I already have a

budget for a car that I technically can't afford or for an

apartment I can't afford.

And so I think when Julie and I got here, you know, people were

like, you're never.

You don't know New York City.

It's so expensive.

I said, no, I don't know New York City, but I know the ways of

the kingdom.

Seek first the kingdom, and all these things will be added unto

you.

And favor would begin to open up.

As a matter of fact, we had the 600 square foot apartment, and

then favor opened up.

And this is how I got the bigger apartment that ended up having

three bedrooms, man.

For those of us in New York City, we know there ain't no three

bedroom apartments.

There was a three bedroom apartment, and I went to go see about

it and off of like Facebook Marketplace, where I thought, maybe

I'm gonna get murdered going to see this.

And so I go in this place and I'm looking around and in my heart

I'm saying, oh, Lord, please let me get this apartment.

And it was for the same price, a little bit more, maybe a couple

hundred dollars more than the other one, which is also crazy.

And it was so cheap.

Cause I'm looking at how cheap this apartment is and.

And I saw it on Facebook, Marketplace, and I'm thinking, well,

I'm probably gonna get stabbed, but I am kind of gangster

myself, so let's see who wins.

And then maybe I'll get an apartment.

You know what I'm talking about?

New York City.

Am I gonna get scammed?

So I show up and this woman answers the door, and I'm like, oh,

she's the decoy.

Probably someone else will do the stabbing.

Cause you know, you gotta be hood smart out here.

And I get up into the apartment I'm looking at in my heart,

I'm like, oh, Lord, my family could use this.

Cause that apartment was so teeny tiny.

The last one.

And then I said, well, let me ask you a question.

Why is it so cheap?

What's wrong with this?

And she said, I'm kind of embarrassed to say.

Cause this isn't really.

What I'm about to say is not, you know, it's not like, right.

But this is how I feel.

And she was like, my family and I, we live downstairs and I'm

a Christian, and I really want a Christian family to live in this

apartment.

And I said, like, think about what I just said.

The New Yorker in Indiana, like, I don't understand because.

But I'm telling you, this is a miracle.

And I said, well, I don't know if you know this, but I'm a super

Christian.

And I literally was like, we have a card that we get.

And I'm like, I'm a super Christian.

I said, I'm a pastor of a two.

At the time it was two Location.

I'm a pastor of a two location church.

And she literally, her eyes welled up with tears.

And we were able to move into that apartment and we upgraded our

square footage, as a matter of fact, that husband and wife still

text Julie and I to this day, and they'll say, if you guys ever

want to move back, we love.

Because they said the presence of God was so strong on our family.

They miss having us in that space.

And so we just.

I don't have time to tell you all the stories, but the thing is,

my tithe was opening up the windows of heaven to bless me and

make me the exception to the rules.

So there's the economy of New York City, but I didn't pay New York

City rent because the kingdom was in operation.

I became the exception everywhere I went.

And so the thing is, but what happens is you have to take the US

dollar and remove it from the US infrastructure and put it into

the kingdom.

And once it goes into a different circulation, you get a

different outcome.

Come on, come on, come on.

So, Randall, you understand these things.

You know, how do we trust God though?

Because I think you're such a man of faith, and it's like, I think

people are making fear based decisions and you're such a man of

faith.

Like, I've watched you buy real estate.

I've watched you step into this next seat.

I watched you pay off debt.

But that requires faith.

And you talk about this a lot in your teachings about the why,

you know, which is connected to faith.

Can you maybe help them understand that?

So to do that, I'm gonna decode what Apostle Mike just said.

Right?

So he was in a 600 foot apartment, a 600 square foot apartment.

Then he got into a three bedroom apartment.

Right?

And I went to every one of your apartments too, I think.

Yeah, I was stalking him, unfortunately.

Listen, when somebody got something good, you need to find

out like, you know, what is it that they got?

So every single apartment, I was just like, all right, what's

up?

How you doing?

Tell me this, tell me that.

But what you mentioned was there was favor in your life.

And you said something last week or two weeks ago that favor

is not fair.

And, and the reason why favor's not fair is because you're

doing something, or at least we should be doing something that

no one else is willing to do, which is to give our tithe into the

storehouse so that I may test me in this, so that I may bless you

so I may open up the windows of heaven so that blessings can pour

out of.

I want that type of blessing to the point where Facebook Marketplace

will open up.

And I've gotten some things on Facebook Marketplace.

Actually, my first apartment where I lived when I, when Pastor

Mary and I got.

Got married, we got it from Craigslist and we actually.

To the point where the gentleman.

It was in a beautiful.

It was in Fresh Meadows.

Anybody knows Fresh Meadows.

Like, it's a beautiful area and it was a condo.

This firefighter lived there and he was, he was going to do something

or whatever, and he was like, hey, I need someone to stay in here

in, and that's gonna take care of my space.

I had Speakers in the walls.

I turn on the music in the living room, I hear it in the bathroom.

I was like, man.

And I could put the volume down in the bathroom so I don't listen

to it.

I was like, this is nice, right?

And so it was a one bedroom apartment, just perfect for Mary

and I until two weeks later we got pregnant.

But anyway, sorry, hallelujah.

Putting out all her business.

But, but, but then, but then what, what.

What was crazy was that our finances and our credit score at

the time did not.

Two, two kids coming from their parents house, you know, were

living off, you know, just off of, off of our parents and, and everything

this.

When, when you went, when he went to the condo, the board of directors

for the condominium, they were like, hey, they can't take care of

this.

How are they going to take care of this?

He looked them in the face and said, I want these people in my house.

So in other words saying, hey, you can't control what I want for

my home.

And so I want these people in my house.

That's who I'm going to have stay in my house.

So I'm going to vouch for them.

This guy didn't know me from anywhere.

And just like this woman didn't know you from anywhere.

But then you went in ready to stab her.

I'm sorry, that's not what.

Ready to be stabbed.

Let's get the narrative right.

If anything, it would have been self defense.

Well, you know, New York City, you don't really know, right?

You sound like my middle school students.

But it was self defense though.

That's what happens.

I hit him second because it was self defense.

But.

No but.

Ready to be stabbed.

Excuse me.

Right, but this woman was praying for a blessing.

She got favor.

Right, but then you got favor because your finances were in order.

You made sure you put at the top of that budget line item that

you put tides first.

Because that's one of the things when I'm speaking to people,

I say, hey, make sure that you have tithes as the number one thing

you do.

Just so you could train your mind to understand that if anything

else happens, my tithes are going to get paid, my tithes are

gonna get given to the storehouse and I'm going to trust

in what God is doing and everything else will be taken care

of.

We just came from a really like shaky season.

Just this past like a couple of like about a year or so.

And we didn't know what was going to like if certain things were

going to get taken care Of.

But there are times where we would look at the finances, and then

at the end of the month, we'd be like, how did we cover everything?

I'm telling you, God will extend your finances.

Miracles will take place just the same way.

When Jesus saw that that kid had his lunch.

Food, right?

His lunch, his bread and fish, and he had 5,000 people in front

of him.

And then he gave it up to God and said, hey, God, I need you to

do a thing.

And then he fed all 5,000 people.

That's the same way when you have a $5,000 bill or you have all

this debt, or you have all these bills that need to be paid.

Utilities, electricity.

Not Apostle Mike, because he was living in a all paid.

That was all taken care of right back then.

Now you're paying your own bills right now.

I'm like, turn the light off.

But the same way, what happened?

First he saw the source of where the item was coming from, the

food was coming from.

In that moment, your job, your business, or whatever it is.

But then you have all of these bills that are there, but there's

something that has to go in between the source and the expenses,

and that's your tithe.

And when the tithe goes there, and you can't do that unless you

steward your finances well, unless you have a budget, unless

you know what's going to happen.

Or else you'll be like, Pastor Mary and I, and be like, hey, I got.

There's $2,000 that are unaccounted for.

Where did it go?

Man, this is so good.

I want to read something to you briefly, because I was thinking

about Proverbs, Chapter three.

And the reason why we're having this conversation is because

many of us were not parented in this way.

The truth is, this is a conversation from a father to his

children, and that's what should happen.

I never had one conversation with my father about finances my

entire life.

And so I used to love reading the book of Proverbs as a young man,

because as a young man, whenever it would say, son, I would

receive the love of my heavenly Father.

And so I wanna.

The reason why we sat down is because you're a father to New Jersey,

as you're stewarding that campus, and I'm fathering the nations,

as I'm serving as apostolic oversight.

And we set this living room conversation up because this is God

going back into your past, and I'm in the living room of your childhood.

And right now, God is making some things right that were never

made right.

Because the truth is you should have had this money conversation

when you were about 10, 11, 12 years old, daughter.

This is what the Lord says.

And did you know that within Judaism, this is very normal?

They have a bar mitzvah when they're 13 years old.

Now, part of that historically is that human beings would die much

earlier.

And so 13 was about that transition of going fully into puberty.

And there had to be an acknowledgement of, you are a man

now, and we're gonna come around you and treat you as such.

So what happens is we have an era of delayed adolescence.

So what that means is we have 35 year old boys because no one told

them at 13, you're a man now.

And so what we're doing is I'm saying you're a man now.

And I want as a son of V1 Church.

And I don't care if you're a 70 year old son, a 45 year old son,

or whether you're a 20 year old son.

We're gonna talk about your finances and then there's gonna be

peace over you.

So let me read this scripture to you.

That's gonna help you, my son.

This is verse 21 in the third chapter of Proverbs, my son.

And this is the Lord talking to you.

Do not lose sight of these.

Keep sound wisdom and discretion, and they will be life

for your soul.

Everybody say, my soul and adornment for your neck.

Now let's talk about the difference between wisdom and discretion.

Let's all say the word discretion.

Okay, so here's the definition of discretion in a functional sense

as it relates to finances.

There's two ways to get food.

How you get food is determined by how you deploy discretion.

So one way is Uber Eats.

That's a way to get food.

They'll bring it to your door and sometimes fast.

Here in New York City, as a matter of fact, depending on how

hungry you are, you can sort by how fast it gets to your house.

Y'all know, come on, I'm an expert.

I play UberEats like a video game.

That little guy's on the bike, on the scooter, on the car.

I'm seeing her, you know, he's going around the corner.

Come on, come on.

Waiting for him at the door.

Some of y'all don't even wait for your own spouse at the door,

but you're waiting for the UberEats guy.

My beloved, thank you for bringing me this food.

That's a side note, Julie.

Anyways, so here's.

Here's my point.

You can get a steak and it cost you 300% more because you did

it through Uber Eats.

Or you can get that same steak for seven to nine dollars at the

local grocery store and make it yourself.

So discretion is, I can get this via Uber Eats, or I can get

it 300% off.

And it's funny how we shop for clothes different than we shop for

food because we'll pay 300% more for food for convenience.

But then if I tell you, hey, that clothing item is 300% off, you're

falling over yourself running to the clearance rack to get it.

If you bought food like you bought clothes, you'd have more money.

But that's the word discretion.

Now watch what the scriptures say.

Cause I'm breaking this down for you.

Take notes, Jules.

This is what it says.

If you use sound wisdom and discretion, they will be life for

your soul.

Thessalonians says that your soul is your mind, your will and

your emotions.

So if you wanna bring life to your emotions, use discretion.

If you wanna bring life to your mind, use discretion.

If you wanna bring life to your will, use discretion.

So in other words, when you're cooking a seven dollar steak, instead

of buying that same steak for $100, you're actually not just saving

money, but the scriptures say that you are bringing life to your

emotions.

Did that help you?

You're bringing life to your mind.

Then let me tell you why.

Because what happens when you spend money the wrong way is it's

you're exchanging temporary pleasure for long term torment.

You're exchanging, you're saying, temporarily I feel better,

but over the long haul I'm tormented.

And if you budget your calories like you budget your money,

your body and your bank account is suffering.

So the Lord.

I'm learning this.

In the last six weeks, I went from £225 to 205.

So I lost £20 in the last six weeks right in front of you.

And yeah, keep clapping because I need the encouragement

because I panicked.

I didn't bring my food to church today.

And I called Julie.

I was like, I have an emergency.

She's like, what's going on?

I was like, I don't have my food cause I'm about to make, I'm

about to mess up.

They put six bagels in this green room and they're talking to

me.

The bagels are like, hello, Kevin.

But the reason why I say that is because I didn't budget my calories

and I began to eat in surplus and it physically made me unhealthy.

And when you spend in surplus and don't count your finances like

you count your salaries, you end up going over budget.

So right now, I'm setting this man of God up for the most powerful

moment of this entire message.

I want you to give them now.

Cause I gave him the why I gave them what's at stake.

But you have an understanding how to build a house in wisdom, from

the foundation to the pillars to the roof.

And I want you guys to lean in and take notes on this moment, because

he's gonna teach you right now a formula for how you build your

life, how you build this house from the foundation to the pillars

to the roof.

So every.

And just as Apostle Mike just mentioned, every house has a foundation.

There's no way that you're going to build any pillars or anything

in order, or else it'll just crumble.

And so when you have the foundation, the foundation is your

saving.

There's no, like, there's nothing you can do with your finances

that will be sustained.

And our God is a God of sustenance, like in.

In Genesis chapter one, in every single day.

That he.

That He.

That he did something new, that he did something great, that

he did something.

He looked at it at the end of the day and said, this is good, and

therefore I will sustain it.

That.

That.

That's literally what the word says.

And so when you look at your finances, you want to build savings

first.

That is the foundation.

But then you have to put up some pillars because you need rooms,

you need all these things going on in the house.

And so the pillars are four things.

This is a basic budget, a basic finance strategy for you.

Transportation pillar number one.

And it doesn't go in any order or anything but transportation.

Whether it's a Metro card here in New York or it's a car where in

Indiana or Long Island, Because Long island, you guys all

drive.

There's a whole bunch of parking everywhere.

And then you have utilities, your mortgage, and rent.

And then number four is your food.

You need food to sustain yourself.

You need to get to work to make some money.

You need some place to rest your head.

So.

And then you also need to put on the lights and things of that

nature.

These are the four things.

Spotify, Netflix.

What else do I have?

Peacock.

What else?

I'm thinking Hulu.

Don't say hbo.

Max.

No, I don't have that because that's expensive and rated.

Rated R.

Oh, okay.

Nb.

NBA.

Right.

From my NBA heads.

I don't even know what it's called.

Premium.

YouTube Premium.

Come on, watch my ads.

So just take YouTube.

Come on, help the ministry.

So, like, those things are not necessary.

They're subscriptions.

There's things you would like.

Man, I don't know if I could say this.

Say it.

So if you have a big family, everybody get a subscription.

And then get the logins.

Get the logins.

Put it on your.

On your.

Whatever it is, and then share it.

Like, why do you need to have everything?

Like, I'm just saying, like.

Like, come on.

Like, let's live in a community.

Let's live in a community.

This is what we do.

Now.

There's about to be a flight crew for shared subscriptions.

Watch.

Let's go through the growth journal.

All right, what's your login?

But you know what?

He's joking.

But let me say this.

In the Book of Acts, the early church, they said they shared things

amongst each other.

And one of the things I've been praying for years is, lord,

give us the unity that you see in the Jewish communities.

Because the Jewish communities here in Brooklyn, they own huge sections

of New York City.

Why?

Because when one person figures it out, they all figured

it out.

And they don't compete with each other.

They celebrate each other.

And I'm gonna talk to my Caucasian friends as the white delegate

of V1 Church, because I grew up, for 20 years, I attended a black

and Hispanic church.

The first Caucasian church I ever attended was for my wife.

And I did not realize that.

What happened was when I stepped into the white world, it

became a question of, who does he think he is for having that?

But then when I was growing up, if somebody figures something

out in our church, we would say, teach us.

Show us.

And it was like, if your pastor or people in leadership began

to get promoted, you would celebrate their promotion because

it would be a sign that through impartation, you're coming

up, too.

And one of the things that I've.

And it's not just a white problem, but it's more prominent

in the white church of when somebody begins to get success, they

feel that it's their job to tear them down.

And when I was growing up, if somebody figured something out, one

of the things I loved about the African American community, I

loved about the Latin American community, was it was like, teach

us.

Let's learn together and let's all go together.

And I want to bring that into our house.

And that's what you're saying is like, hey, guys, Randall is a

homeowner in the Northeast.

Let's figure it out from him so we can own homes too.

You know, Mike is excelling in the area of media.

Let's join the Creator Academy with Pastor Evan and figure out how

to learn from them.

Let's all come up together.

And I think that that's something.

I want to break that spirit of competition, and I want us to actually,

because watch.

If there's no more Jew, no more gentile, but there is the body

of Christ, why are we not owning blocks in Brooklyn?

Why are we not owning.

You know what I'm saying?

We've got to break this poverty mindset.

And I feel like for me, that has been my heart.

And I love that about you.

So let me make sure I get it.

Your savings is your foundation.

You know, two years before the global pandemic, we were in a staff

meeting and the spirit of the living God spoke to me and said,

tell your staff.

Now, when I say staff, we weren't even paying none of these

people.

They were just volunteer leaders.

I think maybe we're paying Mallory to do the kids ministry,

maybe just a couple hundred bucks a month or something.

And we had like stipend salaries.

This was pre pandemic, and we were having a staff meeting, and

the spirit of the living God said something.

He said to me, mike, something catastrophic is coming.

Tell these people to save their money.

And I said it to him.

And for two years, Ryan Hayward and Mallory, his bride, they

took that word seriously.

How many of you know if you don't take prophecy seriously, you'll

become a casualty.

And so they took it seriously.

They started saving their money for two years.

And guess what happened two years later?

A global pandemic.

And because they honored the man of God and they listened to what

the Lord said to me, actually, Ryan ended up losing his job.

But he was able to bridge the gap before between finding a new

job and their family never suffered.

And I remember him calling me, crying, being like, pastor Mike,

I am so grateful for that prophecy because we took what you

said seriously.

We saved for two years and we never even felt it.

And by the way, I thought I lost my job, but I actually upgraded

to a higher paying job and we're even better off.

So those were those stories.

But let me just tell you, I have a good friend named Joseph Z.

He's a renowned prophet.

I was just recently on his television program, and me and him

have both been seeing from God that there is a two year window again.

And I believe there's grace again.

So now it's not Mike saying it.

Now that I've Gone up from pastoral realm to apostolic realm.

Now, the new pastor is Randall, and he's telling you, get

the foundation of your savings.

So this has got to be immediate implementation of save,

save, save, save.

Make sure you build that foundation, because I do believe

that we have a window of time to prosper and to save before what's

next.

How many of you are going to make it your point to do this, to

build that foundation?

Now, listen, I'm bipartisan, and I'm saying this because I have

to pastor with purity in my pulpit.

I have to speak with purity with my pulpit.

I got invited to the dnc, and I didn't go.

I got invited to a closed room setting with Trump, and I didn't

go because I want every person across all seven locations of my

church to know that my integrity cannot be bought.

And when I stand in this pulpit, I stand with purity because

I'll never put the cross underneath the flag, even though

I love this country.

And I did get invited by Secret Service to go back to the

White House and to do a prayer, walk through that torture

and to pray over the building at the end.

And the whole hallway was filled with doves, which fulfilled

that sermon that I preached about the elephant, the donkey, or

the dove.

And so why do I say this?

Because Trump coming in was a good thing, but also for many people.

And I know my people.

I know the people I'm pastoring across these locations.

Many of them have lost their job.

And some of y'all don't think I know you, but I know you.

And I know your Social Security number.

Not really, but sometimes I'll even hit up the campus pastors.

Tell me about Lisa.

And they're like, how do you know Lisa?

I'm like, cause I'm always watching because I want to be a good

lead pastor.

And I know that there's people even in our Indiana campus who have

lost their job as a result of this transition.

Things happen.

Here's my point.

I love this country.

I pray for our president, but I know that we're in a time of great

transition.

And I believe you'll look back at this and you'll say, randall was

a prophet to my home.

Did I honor the prophet?

And when we go through the four pillars, transportation is one

of them.

Go take the car back, exchange it for a used car.

Get that car payment out.

Make something happen.

One of the pillars is where you live.

Move somewhere else where the rent goes down.

Downsize so that you can live better.

One of the pillars is food.

See if you picked up on what he was trying to teach you.

Every pillar, there is an opportunity for massive savings which

ransoms that money back.

And so I want to give you the last word to really minister this

as we come to a close.

Because the Lord, we were in prayer yesterday, and the Lord, I

was like, lord, I don't want to miss this opportunity.

There's so many lives on the line.

And I heard the word pilfer.

Pilfer.

And I didn't know what that word meant.

And I looked it up, and then I sent it to Prophet Randall, and I

said, I saw the word pilfer.

And I feel like there's a big moment in closing where we're supposed

to break people through and transform them through prayer and

in this pilfering.

And he literally hit me back, and he was like, apostle Mike, it's

so much crazier than we thought.

There's a scripture in Titus that talks about pilfering.

So I'm gonna give you the definition.

He's gonna break it down.

Then we're all gonna stand and receive prayer.

And then next week, I waited almost eight years to earn your trust

to preach the message.

That message I'm gonna preach next week.

I'm debuting a new technology to teach it that I've never used

before.

And next week is probably one of the most important sermons I will

have ever preached in the history of this church.

But also, how many of you know that we're in a fast right now?

We're in a fast that I called, and you have 40 days to go on this

fast.

And I believe that fasting is also financial, where you say, I'm

gonna restrict in these areas.

So this Thursday night on my channel, I'm debuting a message that

talks about the five ways that fasting is spiritual warfare over

your life.

And some of you are doing intermittent fasting where you're

giving up breakfast, some of you giving up lunch, some dinner.

And we talked about that last week.

But how many of you are going to join me this Thursday night at

9pm Eastern for this message on fasting?

So you can see how fasting is spiritual warfare.

Okay, it's.

And I actually recorded this video when I was very deep into a

fast.

And I waited till, like, the apex of that fast to be fully in

that state.

And I delivered this message on video and then waited to premiere

it for now.

So this video this Thursday night on my channel is going to be

powerful for our entire church.

But, Randall, help us understand pilfer, because the definition

of it is to repeatedly steal small amounts without violence.

You know, and when you read Titus, chapter 2, and you could write

Titus 2 · chapter mention

that down, Titus, chapter 2, 9, 10, it says, Bondservants are

Titus 2 · chapter mention

to be submissive to their own masters in everything.

They are to be well, pleasing, not argumentative, not pilfering,

but showing all good faith so that in everything.

In everything, they may adorn the doctrine of God our Savior.

Our duty is to adorn the word of God.

The Word of God says that give.

Give all your tithes to the storehouse.

Storehouse.

Bring your first fruit to the storehouse.

Malachi, chapter two, right?

And it says from 10 to 13.

And then it goes on to say, test me.

I don't ever see there's places in the Bible where God says

that.

But in that moment, he says, test me.

Let me show you.

Let me show you who I am.

Let me show you that I'm a true Father.

And let me.

Let me pour out the windows.

Let me pour out blessings from the windows of heaven.

Let me allow it to fall down.

And.

And what.

When I.

When I hear this word pilfer, I think about, like, just.

Just.

Just dream, like, imagine with me for a second, right?

There is 2.63 billion Christians in the world today in

2024.

2.63 billion Christians in the world today.

I wonder if they got that number after we did the Thousand

Soul Initiative or not.

But with that 2.63 billion, let's just imagine that they were

paying.

Every single person was giving their tithe.

Now, let's imagine that half of those people weren't stewarding

their finances well, but they were still giving their tithe.

But what they did was that, God, you don't need all of that.

Let me take a dollar from there.

God.

It's all right.

You're good.

You don't need that much.

Let me just take $1.

If 1.5, which is half of 2.

About half of 2.63 billion.

If 1.5 billion people did that, that is $1.5 billion that we

decided to steal from the house of God.

Because we pilfered.

Because we pilfered.

This is the moment.

Today is where it ends.

Where we stop pilfering from the house of God, where we get our

finances in order.

Where we say, I'm gonna steward my finances because I'm not

afraid of what's to come tomorrow.

Because I know that when I do this today and every other time,

when the opportunity comes, that I know that everything else

underneath will be taken care of.2200 payment for a house will

be taken care of for an apartment.

The car that I'm driving, even though I gotta wait a year before

I actually can drive it again so that I can get the finances in

order for me to take care of it and take it to the mechanic, that'll

be taken care of.

When I know that is what happens when you begin to set your

tithe as number one.

And I believe that within the church of V1, what is going to happen

when we begin to take place and do that?

There is going to be a movement of finances that is going

to rush through that, rush through the Christianity all over

the world.

But it's going to start right here in this house.

It's going to start right here in this house.

So if you guys believe that, I want you to begin to just step into

who God is calling you to be, which is a son and a daughter.

Because sons and daughters don't have to take money from, from,

from their parents wallets.

My son actually, he'll put something in an Amazon cart and say,

okay, can I get like here it is.

Because he believes that I'm going to purchase it for him.

And it's true.

I, I, I end up doing it.

I'm, if I'm spoiling my child, I apologize.

But you know what?

He knows that I'm a good father.

If I'm a good father, how much more?

Our Father in heaven.

Wow.

You know what the revelation is?

Tithing is like putting the things that God, you know, God knows

you need in the Amazon cart of your family to where it's like, hey,

I already know by faith, you know, as we close and I want to pray

and we're going to, I'm going to ask that you pray.

It's interesting that the word pilfer shows up in Titus because

the apostle was training and he was basically saying, I'm trying

to train you, but the problem is you cannot pilfer.

And this is what pilfer means.

It's different than just rob.

See, in Malachi the prophet's like, will you rob God?

But pilfer is when you, it's like, hey, I should be giving this

much, this much is 10%.

And I should even be trying to go beyond that.

But I'm just gonna come to 5%, 7%.

And what you're doing is you're playing this game where you're

like, what little percentage can I take without it being noticeable?

That's what pilfering is.

It's when you take little by little to the point where you hope

nobody notices.

And I think that what is so interesting is you blew my mind when

you're like, mike, this is in Titus.

And there was something happening in the early church where

the apostle was like, I have to make sure you all know, don't

pilfer.

And so what I think that means is come up to the level that God

has called you to come up to the level that you know is right.

But I will tell you this.

You can't out give God, and God's way works.

And I don't care if you live in the most expensive region of the

U.S.

or you live in the least expensive region of the US if you

get out of the world's economy and you get into heaven's economy,

things start flowing and you're going to have testimony, testimony

upon testimony upon testimony.

And that is just the way it works.

So, Pastor Randall, can you help us?

Could you all stand to your feet across every location?

As a matter of fact, I believe that in Indiana right now that people

are receiving breakthrough in this area.

See, sometimes people would say, oh, this doesn't have to do

with me.

They're talking all New York.

No, no, listen.

The poorest I ever was was in Indiana.

And so I believe that God, even in Indiana, will give you insight

sites, give you wisdom.

Get.

Look, they're coming to sell this furniture on ebay.

Talk about Facebook Marketplace.

They're the immediate implementation.

You see that we gotta go first.

Robbed us blind right in the middle of the sermon.

But we're gonna pray right now.

How many of you was this good for your soul?

How many of you feel better because there's all these good sermons

and people know about Leviathan and Jezebel and they can

quote you all the Hebrew, but then you're like, show me your bank

account.

And they're like, I want you to carry authority in all areas of

your life.

I want you.

I want you to carry authority in every area.

That's what overflow.

This series is about.

Overflow.

And you know what?

Mark my words.

And I want you to pray.

I believe by the end of this series that many of you are going

to have the testimonies and you're going to be begging.

Can I tell this story at my campus?

Because if I know anything about God, when he says, test me

in this way, he loves to show you that his way works.

Amen.

Are you in agreement with me?

Come on.

When two come together in agreement, let it be so.

Somebody say, let it be so.

All right.

Pastor Randall, can You just pray over them.

Apostle Mike, can you just stay here?

Because I want to.

I want to place my hands on you.

Wow.

Because there's a.

There's an overflow that comes from you.

And so if my words are going to come out, I want it to come from

the oil that you drip.

Wow.

So, Father God, Lord Jesus, we just thank you, Lord.

We thank you, Father, for showing us that we are sons and daughters.

For showing us that our identity is not in our finances,

it's not in our bank account, it's not in our job, it's not in

our salary, Lord God.

It's not in the place that we live.

Lord Jesus, there are people that are living in tenements, right?

And you're living in areas and you're saying, man, I can't become

that.

But, Father God, we have an apostle that has stood and has walked

the test of time, and he's done what you have said, Lord God.

And so if we walk in that as well, Lord Jesus, if we understand

that we are sons and daughters, Lord God, then, Father

God, there is going to be a blessing that pours out of our house,

out of our lives, Lord God.

From your house, Lord Jesus.

Heaven.

So God, I pray, Lord, as each and every person tests you in this,

Lord God, as we get our finances in order, as we steward

our lives in the way that you have called us to steward it, Lord

Jesus, there is going to be.

There is going to be an outpouring of your glory, Lord God,

in our lives.

When the situations come, Lord God, when the trials and tribulations

come, Lord Jesus, we will not pilfer, Lord God, we will continue

to be faithful in what you said, Lord, and our obedience will

yield, Lord God, the blessings from heaven.

So, Father, we thank you for the work that you're doing, and we

ask all of this in your name across every location right now of

V1 church.

In the name of Jesus, we pray.

Amen and amen.