ANNOUNCER: THE FOLLOWING PROGRAM IS PAID FOR
BY THE FRIENDS AND PARTNERS OF JOYCE MEYER MINISTRIES.
[MUSIC]
JOYCE: HOW MANY OF YOU WANT TO BE OUT OF DEBT?
WELL, THEN YOU GOTTA STOP SPENDING MONEY THAT
YOU CAN'T SPEND.
YOU GOTTA STOP BUYING THINGS YOU DON'T NEED.
"WELL, EH."
WELL, SISTER, I'M PRAYING FOR A MIRACLE.
GOD'S GIVING YOU ONE.
IT'S CALLED SELF-CONTROL.
[MUSIC]
[AUDIENCE APPLAUDING]
JOYCE: WELL, WELCOME TO "ENJOYING EVERYDAY LIFE."
I'M SO GLAD THAT YOU'RE WITH US TODAY AND GLAD TO HAVE OUR
STUDIO AUDIENCE HERE WITH US, SO I'VE GOT SOME PEOPLE
TO TALK TO HERE IN THE STUDIO AS WELL AS TALKING TO ALL OF YOU
BEAUTIFUL, WONDERFUL, HANDSOME, AMAZING PEOPLE THAT ARE WATCHING
THE PROGRAM TODAY.
AND YOU KNOW WHAT?
YOU REALLY ARE AMAZING.
GOD CREATED YOU WITH HIS VERY OWN HAND, AND HE'S GOT A REALLY,
REALLY, REALLY GOOD PLAN FOR YOUR LIFE.
AND I KNOW THAT MANY OF YOU WATCHING TODAY,
YOU'RE PROBABLY HURTING, AND YOU'VE GOT A LOT OF
DIFFERENT THINGS GOING ON IN YOUR LIFE, BUT I WANT YOU
TO KNOW THAT DON'T EVER THINK THAT NOBODY CARES ABOUT YOU
BECAUSE GOD CARES ABOUT YOU.
HE SEES YOU.
HE KNOWS EXACTLY WHAT'S GOING ON IN YOUR LIFE, AND HE HAS ALREADY
PLANNED YOUR PRISON BREAK.
ALL YOU HAVE TO DO IS LISTEN TO HIM AND KNOW EXACTLY THAT
HE LOVES YOU, THAT HE CARES ABOUT YOU, THAT YOUR SINS ARE
FORGIVEN, AND THAT WHATEVER'S HOLDING YOU IN BONDAGE,
WHATEVER'S GOT YOU IN SOME KIND OF EMOTIONAL PRISON
OR MENTAL PRISON OR FINANCIAL PRISON,
THAT GOD HAS GOT A WAY FOR YOU TO GET OUT.
TODAY I WANNA TO TALK TO YOU ABOUT MONEY.
DO YOU KNOW THAT JESUS SAID MORE ABOUT MONEY
THAN HE DID HEAVEN OR HELL?
I THINK THAT'S INTERESTING, IN OVER HALF OF THE PARABLES,
JESUS TALKS ABOUT MONEY.
SO MONEY IS NOT SOMETHING THAT'S A BAD THING TO TALK ABOUT.
MATTER OF FACT, I THINK IF WE TALKED ABOUT IT
IN A RIGHT WAY A LITTLE MORE THAN WHAT WE DO
PEOPLE MIGHT HAVE A LOT LESS TROUBLE WITH IT,
AND I JUST WANT US TO THINK ABOUT ALL THE THINGS THAT THIS
DOES AND ALL THE THINGS THAT IT CAUSES.
THIS BUYS THINGS.
TO GET THIS, PEOPLE STEAL.
THEY LIE.
THEY MISTREAT PEOPLE.
SOME PEOPLE WILL EVEN KILL TO GET IT.
PEOPLE COMMIT ALL KINDS OF CRIMES TO GET IT.
DIVORCES ARE CAUSED BECAUSE OF IT.
TO GET MORE OF IT, PEOPLE SOMETIMES DON'T PAY
ENOUGH ATTENTION TO THEIR CHILDREN.
I DON'T THINK IT'S QUITE AS IMPORTANT AS WE MAKE IT
OUT TO BE.
AND WE ALL KNOW THAT WE DO NEED MONEY.
IT'S WHAT WE USE IN THE WORLD TODAY TO GET THE THINGS THAT
WE NEED, BUT I THINK WE HAVE TO COME TO AN UNDERSTANDING
OF THE DIFFERENCE IN OUR NEEDS AND OUR WANTS.
IT'S NOT THAT WE SHOULDN'T ALL BE ABLE TO HAVE SOME OF
THE THINGS WE WANT, BUT TO BE HONEST, NOBODY NEEDS
TO HAVE EVERYTHING THAT THEY WANT.
AND THE QUEST FOR MATERIALISM AND FOR STUFF IS ACTUALLY
DESTROYING OUR SOCIETY.
GREED CAN DESTROY A FAMILY.
IT CAN DESTROY A PERSON.
IT CAN DESTROY AN ENTIRE SOCIETY.
WELL, WHAT REALLY IS GREED?
REALLY, GREED IS NO MORE THAN JUST SAYING, "NO MATTER WHAT
I HAVE I'M NOT SATISFIED WITH IT FOR VERY LONG, AND THEN
I THINK I HAVE TO HAVE MORE."
AND I BELIEVE THAT GREED IS AN EVIL SPIRIT THAT COMES
AGAINST EVERY SINGLE ONE OF US.
I'VE EXPERIENCED FEELINGS OF GREED IN MY LIFE,
AND I'VE LEARNED THE WAY TO FIGHT GREED IS WITH GENEROSITY,
AND I REALLY, TRULY MEAN THAT.
YOU CAN FIGHT GREED, YOU CAN KEEP GREED
OUT OF YOUR LIFE, BY BEING GENEROUS ON PURPOSE.
I THINK THAT'S ONE OF THE REASONS WHY THE BIBLE TELLS US
THAT WE ARE TO GIVE BACK A TITHE OF ALL OF OUR INCREASE
TO THE HOUSE OF GOD, WHICH THEN SHOULD BE USED
TO HELP PEOPLE.
SO, IN EFFECT, WE'RE GIVING A PART OF EVERYTHING THAT COMES
TO US TO HELP OTHER PEOPLE, AND THAT KEEPS OUR MINDS
OFF OF JUST US.
THERE'S NOTHING WORSE THAN JUST LIVING A SELFISH,
SELF-CENTERED LIFE THAT'S TOTALLY ABSORBED IN
"WHAT CAN I DO, AND WHAT CAN I GET?"
AND I WANT MORE OF IT.
AND THEN HAVING TO HAVE SOMETHING JUST BECAUSE SOMEBODY
ELSE YOU KNOW HAS ONE, AND MAYBE THEY CAN AFFORD ONE,
AND YOU CAN'T AFFORD ONE.
BUT YOU FIND SOME MANIPULATIVE WAY TO GET ONE JUST SO YOU CAN
FEEL LIKE YOU'RE AS GOOD AS THEY ARE, AND IT'S JUST REALLY KINDA
FOOLISH IF YOU LOOK AT IT, THE IMPORTANCE THAT WE PLACE
ON THINGS.
DO YOU KNOW THE BIBLE SAYS THAT EVERY SINGLE THING
THAT WE GO PURCHASE, EVERY SINGLE THING THAT WE HAVE,
IS ALREADY IN THE PROCESS OF DECAY.
SO WHEN YOU THINK ABOUT IT, THE CAR THAT YOU BUY
IS ALREADY IN THE PROCESS OF DECAY.
THE HOME YOU BUY IS ALREADY IN THE PROCESS OF DECAY.
AND IF YOU DON'T THINK IT IS JUST GO DRIVE BY A JUNKYARD
SOMEWHERE AND REALIZE THAT WHAT IS NOW A PILE OF JUNK
AT ONE TIME WAS SOMEBODY'S DREAM,
AND THERE'S NO TELLING THE PRICE THAT THEY MAY HAVE PAID
IN FAMILY, IN RELATIONSHIPS, IN DOING DAMAGE TO THEIR HEALTH,
IN LOTS OF THINGS IN ORDER TO GET THAT THING THAT IS NOW
LAYING IN A JUNKYARD SOMEWHERE AND HAS NO VALUE TO THEM AT ALL.
NOW OBVIOUSLY I'M NOT SAYING THAT WE DON'T WANNA HAVE
NICE THINGS.
I BELIEVE GOD WANTS US TO HAVE NICE THINGS, BUT I DO BELIEVE
THAT THERE'S A VERY CLEAR DIRECTION IN THE WORD OF GOD IN
PSALM 37:4 THAT SAYS THAT, "IF WE DELIGHT OURSELVES
IN THE LORD, HE WILL GIVE US THE DESIRES OF OUR HEART."
AND THE GREAT THING ABOUT GOD IS WE CAN TRUST HIM TO GIVE US
WHAT IS SAFE FOR US.
THE FLESH FIGHTS AGAINST WISDOM.
WE HAVE WISDOM IN US FROM GOD, AND WE HAVE TO LEARN HOW
TO BE LED BY THE SPIRIT.
SO WE CAN'T LET THE FLESH RULE, AND WE NEED TO REALIZE THAT IT
WILL IF WE DON'T STAND UP TO IT.
SO IT'S GOOD TO TRUST GOD TO GIVE WHAT IS SAFE FOR US TO
HAVE, AND I PRAY ALL THE TIME, "GOD, I WANT YOU TO GIVE ME
ANYTHING YOU WANT ME TO HAVE, BUT IF I ASK YOU FOR SOMETHING
AND IT'S NOT RIGHT FOR ME, THEN I'M ASKING YOU NOW
NOT TO GIVE IT TO ME."
NOW FOR THOSE OF YOU WATCHING BY TV, CAN YOU JUST START
TO DO THAT?
THAT'S A BOLD WAY TO PRAY AND NOT, "GOD, I WANT THIS.
I HAVE TO HAVE THIS.
I NEED THIS.
I CAN'T BE HAPPY WITHOUT THIS.
I DON'T KNOW WHAT I'M GONNA DO IF YOU DON'T GIVE ME THIS."
BUT, "GOD, I'D LIKE TO HAVE THIS, AND I'M ASKING YOU
FOR IT," BECAUSE THE BIBLE SAYS YOU CAN ASK GOD FOR ANYTHING,
"ASK ME FOR ANYTHING," "YOU HAVE NOT BECAUSE
YOU ASK NOT."
BUT THE GOOD NEWS ABOUT THAT IS IF YOU'RE REALLY TRUSTING
GOD AND ABIDING IN HIM, YOU CAN TRUST THAT EVEN IF YOU
ASK FOR SOMETHING THAT'S NOT RIGHT FOR YOU RIGHT NOW
OR IT'S THE WRONG TIME, YOU CAN TRUST GOD NOT TO GIVE IT
TO YOU, AND THAT'S NOT REALLY EVEN A NO.
IT'S JUST, "I'VE GOT SOMETHING BETTER FOR YOU,
AND YOU REALLY DON'T KNOW HOW TO ASK FOR THAT YET."
IT'S A WONDERFUL THING TO NOT CRAVE POSSESSIONS,
TO ENJOY WHAT YOU HAVE BUT TO NOT CRAVE THEM TO THE
POINT WHERE YOU CANNOT BE HAPPY WITHOUT THEM.
SO THERE'S A LOT OF GOOD THINGS THAT I WANNA SHARE WITH
YOU TODAY.
I'VE READ A COUPLE OF BOOKS THAT WERE VERY VALUABLE TO ME,
AND SOME OF THE THINGS THAT I'M GONNA BE SHARING ARE TAKEN
FROM SOME OF THOSE BOOKS.
ONE OF 'EM IS A BOOK CALLED, "MONEY CAME BY THE HOUSE
THE OTHER DAY," BY ROBERT KATZ, AND THEN "FINANCIAL PEACE"
BY DAVE RAMSEY, SO I WANNA GIVE CREDIT WHERE
CREDIT'S DUE.
AND I'M GONNA SHARE A FEW THINGS THAT I'VE READ OUT OF THEIR
BOOKS, BUT THEIR BOOKS ARE GREAT, AND I THINK THEY WOULD BE
A BLESSING TO YOU.
I WANNA TALK TO YOU TODAY ABOUT BECOMING DEBT FREE,
AND I KNOW THAT A LOT OF PEOPLE PROBABLY DON'T EVEN HAVE
IN YOUR MIND THAT THAT WOULD EVER BE A POSSIBILITY FOR YOU.
BUT I WANT YOU TO NEVER STOP BELIEVING IN MIRACLES,
AND A MIRACLE DOESN'T ALWAYS MEAN THAT THERE'S NOTHING
FOR YOU TO DO.
IT MEANS THAT GOD WILL DO EVERYTHING YOU CAN'T DO,
BUT HE'S GONNA ASK YOU TO DO WHAT YOU CAN DO.
SO YOU MIGHT SAY, "WELL, YOU KNOW,
I CAN'T DO THIS AND THAT.
I CAN'T GIVE THIS AND THAT."
BUT WHAT CAN YOU GIVE?
WHAT CAN YOU DO?
IF WE START DOING WHAT WE CAN DO
AND WE DO IT TO HONOR GOD AND TO GLORIFY HIM,
NOW WE'VE GOT A WAY TO PRAY AND SAY, "GOD, I NEED A MIRACLE
FROM YOU."
BUT GOD'S NOT GONNA GIVE US A MIRACLE WHILE WE LAY ON THE
COUCH AND EAT DOUGHNUTS AND WATCH SOAP OPERAS ALL DAY.
YOU KNOW, FOR EXAMPLE, IF YOU'RE IN DEBT
AND YOU WANNA GET OUT, THEN THAT MEANS YOU'RE PROBABLY
GONNA NEED A JOB AND MAYBE A JOB AND A HALF
OR MAYBE TWO JOBS FOR A PERIOD OF TIME,
AND IT MEANS THAT YOU'RE NOT GONNA BE ABLE TO GO BUY
EVERYTHING THAT YOU SEE THAT YOU WANT.
AND YOU MAY HAVE TO CUT UP ALL THE CREDIT CARDS.
YOU KNOW, I THINK SOME PEOPLE NEED PLASTIC SURGERY
AND IN A DIFFERENT WAY THAN WHAT WE THINK ABOUT IT.
THEY NEED TO GET OUT THE SCISSORS AND CUT UP ALL
THOSE LITTLE PLASTIC CARDS THAT ARE CHARGED UP TO THE MAX
THAT THEY'RE PAYING ALL KINDS OF INTEREST ON PAYING FOR STUFF
THAT THEY COULDN'T EVEN FIND IT IN THEIR HOUSE IF THEY WENT
TO LOOK FOR IT RIGHT NOW.
AND SO WE ARE REALLY ADDICTED TO STUFF, AND WE DON'T WANNA BE.
LET'S TRUST GOD TO GIVE US WHAT WE REALLY NEED.
SO, AS I SAID, THERE'S APPROXIMATELY 2,000 BIBLE VERSES
THAT TALK ABOUT MONEY.
JESUS TALKED MORE ABOUT MONEY THAN HE DID HEAVEN OR HELL,
AND HALF OF THE PARABLES JESUS MENTIONS MONEY.
SO IT'S A GOOD THING TO TALK ABOUT.
IN THE BIBLE IN 1 TIMOTHY CHAPTER 6:7-10,
THE BIBLE TEACHES US THAT THE LOVE OF MONEY
IS THE ROOT OF ALL EVIL, THAT WE BROUGHT NOTHING
INTO THE WORLD, AND WE CAN'T TAKE ANYTHING OUT.
WE CAME IN WITH NOTHING.
THINK ABOUT THIS.
WE CAME IN WITH NOTHING.
WE'RE GONNA GO OUT WITH NOTHING.
WHAT DO YOU HAVE THAT'S GONNA GO WITH YOU WHEN YOU LEAVE?
AND EVEN IF SOMEBODY BURIES YOU WITH YOUR STUFF, IT'S STILL
NOT GOING WHERE YOU'RE GOING.
IT'S STILL GONNA STAY HERE.
JAMES DOBSON SAID HE GOT A GREAT REVELATION
WHILE PLAYING THE BOARD GAME MONOPOLY.
HE WAS PLAYING IT VERY AGGRESSIVELY, GETTING HOMES,
TURNING 'EM INTO HOTELS, TAKING EVERYTHING THAT EVERYONE
ELSE HAD, PUTTING THEM OUT OF THE GAME.
SOON EVERYONE HAD LOST EVERYTHING THEY HAD,
AND HE HAD IT ALL.
ISN'T THAT OUR GOAL IN LIFE?
AS HE STARTED PUTTING THE GAME AWAY, HE BEGAN THROWING
THE PIECES BACK IN THE BOX WHEN HE SUDDENLY REALIZED
SOMETHING.
WHEN OUR LIVES ARE OVER, EVERYTHING WE HAVE GAINED
WILL SIMPLY GO BACK IN THE BOX, AND SOMEONE ELSE WILL COME ALONG
AND START ALL OVER WITH IT.
WHY NOT SPEND YOUR LIFE DOING SOMETHING THAT'S GOING TO
LAST, AMEN?
NOW I BELIEVE THAT DEBT CAUSES A GREAT DEAL OF PRESSURE.
IT CERTAINLY CAUSES MENTAL PRESSURE AND I THINK CAN
EVEN MAKE PEOPLE SICK.
I CANNOT EVEN--WELL, I CAN IMAGINE BECAUSE THERE WAS
A TIME IN MY LIFE WHEN I WAS NOT ABLE
TO PAY THE BILLS THAT HAD MOUNTED UP, AND IT WAS BECAUSE
OF LIVING FOOLISHLY, AND I HATED FOR THE PHONE
TO RING BECAUSE I NEVER KNEW WHO WAS GONNA BE ON THE OTHER END
DEMANDING SOMETHING THAT I DIDN'T KNOW HOW TO GIVE THEM,
AND I HAD TO MAKE THE CHOICE TO GET OUT OF DEBT.
AND, YOU KNOW, IT'S INTERESTING BECAUSE SOMETIMES YOU GET
IN DEBT IN SHOVEL LOADS.
IN OTHER WORDS, YOU CAN JUST BRING WHEELBARROWS
FULL OF STUFF IN THE HOUSE, BUT ODDLY ENOUGH WHEN YOU
DECIDE TO GET OUT OF DEBT, SOMETIMES YOU FEEL LIKE
YOU'RE DIGGING A MOUNTAIN OUT WITH A TEASPOON.
IT TAKES A LOT OF TIME.
HAVE YOU EVER NOTICED THAT SOMETIMES YOU CAN GET IN
QUICKER, YOU CAN GET IN TROUBLE QUICKER, THAN YOU CAN GET OUT
OF IT?
AND SO WE WANNA MAKE WISE DECISIONS ON THE FRONT END.
YOU KNOW, IT'S MUCH EASIER TO GAIN WEIGHT THAN IT IS
TO LOSE IT.
IT'S MUCH EASIER-- I'VE FOUND FOR ME IT'S MUCH
EASIER NOT TO LET MYSELF LOSE MY PEACE THAN IT IS TO GET MY
PEACE BACK ONCE I'VE LOST IT.
SO IT'S MUCH BETTER TO DO THE RIGHT THING ON THE FRONT END
THAN IT IS TO TRY TO RECOVER, BUT THANK GOD WE CAN RECOVER.
SO WHEN I TALK ABOUT THE POSSIBILITY OF BEING DEBT FREE,
CAN YOU REACH OUT WITH YOUR FAITH TODAY AND LET A VISION BE
BIRTHED IN YOUR HEART THAT THE TIME CAN COME WHEN YOU WILL
NOT HAVE TO MAKE PAYMENTS ON ANYTHING?
NOT EVEN A HOUSE, NOT EVEN A CAR.
THAT YOU WON'T HAVE TO BORROW MONEY WHEN YOU NEED SOMETHING.
YOU'RE GONNA BE DISCIPLINED ENOUGH AND PATIENT ENOUGH
TO SAVE, AND YOU'RE GONNA HAVE SAVINGS FOR THINGS THAT YOU WANT
IN THE FUTURE AND SAVINGS FOR TIMES OF EMERGENCY.
CAN YOU IMAGINE THE PRESSURE THAT THAT TAKES OFF IF YOU DON'T
ALREADY OWE EVERYTHING THAT YOU HAVEN'T EVEN GOTTEN PAID YET?
AND IT'S REALLY DISCOURAGING WHEN YOU WORK WEEK AFTER WEEK
AFTER WEEK AFTER WEEK AND YOU KNOW THAT EVERY PAYCHECK YOU
GET IS ALREADY SPENT BEFORE YOU EVEN GOT IT ON STUFF THAT HALF
THE TIME YOU DON'T EVEN KNOW WHERE IT'S AT.
AND EVERYBODY SEEMS TO GET INTO THAT AT SOME TIME OR OTHER IN
THEIR LIFE, BUT I'M TELLING YOU WE HANG OUT WITH GOD,
WE CAN GET WISDOM.
AND I BELIEVE THAT WISDOM IS TO DO NOW WHAT YOU'LL BE
HAPPY WITH LATER ON, NOT TO DO NOW WHAT YOU WANNA DO NOW
AND WHAT FEELS GOOD NOW, NOT THINKING ABOUT TOMORROW
BECAUSE YOU KNOW WHAT?
TOMORROW ALWAYS COMES.
HAS ANYBODY NOTICED THAT?
TOMORROW ALWAYS COMES.
OUR STAFF PASTOR, MIKE SHEPHERD, IS WITH US HERE TODAY,
AND MIKE, I KNOW OVER THE YEARS, NOT ONLY YOUR YEARS WITH US
BUT THE MANY YEARS THAT YOU SERVED AS A LOCAL PASTOR,
YOU'VE COUNSELED MANY, MANY, MANY COUPLES
WITH MARITAL PROBLEMS AND RELATIONSHIP PROBLEMS.
IS MONEY EVER PART OF THE MIX OF THOSE PROBLEMS?
MIKE: TO ME, IN MY EXPERIENCE, 90% OF IT
THERE'S SOME SORT OF A FINANCIAL PIECE THAT'S CAUSING
THAT STRESS.
JOYCE: NINETY PERCENT?
MIKE: AT LEAST 90%.
IT MAY NOT BE THE MAJOR ISSUE OR THE MAJOR PLAYER,
BUT IT'S CERTAINLY AGGRAVATING SOMETHING ELSE THAT'S
DYSFUNCTIONAL IN A MARRIAGE.
BUT OFTEN TIMES, I'D SAY OVER A MAJORITY, IT'S THE MAJOR PLAYER,
BUT 90% IT'S A FACTOR.
OFTEN TIMES I THINK JUST PEOPLE DON'T KNOW WHAT TO DO.
I'M ABSOLUTELY OVERWHELMED.
I DON'T KNOW WHAT TO DO, AND OUT OF FEAR THEY MAY JUMP
ON ONE STRATEGY OR ANOTHER, AND IT MAY NOT BE THE RIGHT
RESPONSE.
JOYCE: AND I'M SURE MANY OF YOU WATCHING RIGHT NOW,
YOU JUST THINK, "WELL, I AM IN DEBT, AND, YOU KNOW,
I DON'T KNOW WHAT TO DO.
AND I WISH I WOULDN'T HAVE DONE SOME OF THE THINGS THAT I DID,
BUT I'VE DONE 'EM, AND NOW I DON'T KNOW WHAT TO DO.
JOYCE, I JUST NEED A MIRACLE."
WELL, YOU KNOW WHAT?
GOD IS A MIRACLE-WORKING GOD, AND CERTAINLY THERE ARE TIMES
WHEN GOD WILL JUST MIRACULOUSLY GET SOMEBODY OUT OF SOMETHING
THAT THEY GOT THEMSELVES INTO, BUT I CAN TELL YA I THINK THAT
A LARGE MAJORITY OF TIMES IF GOD JUST CAME BY AND MIRACULOUSLY
GOT US OUT OF A HUGE MESS THAT WE GOT OURSELVES INTO,
TRUTHFULLY--AND I'VE SEEN IT OVER AND OVER--IT WOULD NOT BE
LONG, AND WE WOULD GO GET RIGHT BACK IN THAT MESS OR ANOTHER
MESS AGAIN BECAUSE WHEN THERE ARE NO CONSEQUENCES FOR WRONG
BEHAVIOR AT ALL--AND WE KNOW THAT GOD'S MERCIFUL.
I'M NOT SAYING THAT HE PUNISHES US, BUT IT'S--SAY LIKE SOMEBODY
WHO COMMITS A CRIME.
WELL, THEY'RE GONNA HAVE TO GO TO PRISON AND SERVE THEIR TIME.
THAT DOESN'T MEAN THEY CAN'T BE FORGIVEN.
THEY CAN EVEN HAVE A GOOD LIFE WHILE THEY'RE THERE BECAUSE GOD
CAN GIVE 'EM JOY RIGHT IN THE PLACE WHERE THEY'RE AT,
BUT THEY STILL HAVE THIS DEBT TO SOCIETY
THAT THEY NEED TO PAY.
WELL, IF SOMEBODY GETS THEMSELVES IN DEBT THROUGH
FOOLISHNESS AND GOD JUST COMES AND WIPES IT ALL OUT,
THEN THEY HAVEN'T REALLY LEARNED ANYTHING.
THE ONLY WAY THAT WE REALLY LEARN IS BY GOING THROUGH THE
PROCESS OF GETTING OUT OF DEBT, AND THEN WE REALIZE THAT
WE DON'T WANT TO MAKE THAT MISTAKE AGAIN.
I KNOW DAVE AND I-- DAVE NEVER REALLY WANTED
CREDIT CARDS WHEN WE WERE YOUNG, AND, YOU KNOW, BACK THEN THEY
WERE CERTAINLY MORE OF A LUXURY THAN THEY ARE NOW.
I THINK TODAY THE WORLD, IT'S HARD TO FUNCTION
IF YOU DON'T HAVE SOMETHING.
BUT MY OPINION ABOUT CREDIT CARDS,
AND I'M NOT TRYING TO TELL ANYBODY HOW TO RUN THEIR LIFE--
WELL, YEAH, I GUESS I AM.
I'M AM KINDA--MIGHT AS WELL JUST TELL THE TRUTH.
SURE THAT'S EXACTLY WHAT I'M DOING.
I'M TRYING TO TELL YOU HOW TO RUN YOUR LIFE.
I DON'T THINK THAT YOU SHOULD EVER PUT MORE ON A CREDIT CARD
THAN WHAT YOU CAN PAY OFF AT THE END OF THE MONTH,
AND I THINK IF PEOPLE HAVE A DIFFICULT TIME MANAGING THAT,
THEN YOU MIGHT BE BETTER OFF TO USE DEBIT CARDS
BECAUSE DEBIT CARDS TAKES THE MONEY RIGHT OUT
OF YOUR CHECKING ACCOUNT WHEN YOU USE IT.
NOW ARE THERE EMERGENCY TIMES WHEN YOU DON'T HAVE A CHOICE
AND YOU HAVE TO DO SOMETHING?
YES, I UNDERSTAND THAT.
I'M NOT LAYING DOWN A LAW AND SAYING NOBODY SHOULD EVER
PUT ANYTHING ON A--IT'S A SIN IF YOU EVER PUT ANYTHING
ON A CREDIT CARD THAT YOU CAN'T PAY OFF AT THE END OF THE MONTH,
BUT, YOU KNOW, A LOT OF PEOPLE JUST GO AND CHARGE AND CHARGE
AND CHARGE AND CHARGE, AND YOU KNOW WHAT?
THEY DON'T EVEN KNOW HOW MUCH THEY OWE ANYBODY.
THEY DON'T EVEN KNOW WHAT THEY HAVE.
THEY DON'T EVEN KNOW WHAT THEY OWE ANYBODY.
I REMEMBER TRYING TO DO A DEAL WITH A WOMAN, AND IF SHE THOUGHT
SHE HAD MONEY IN THE BANK SHE THOUGHT SHE COULD SPEND IT.
I'M LIKE, "WELL, HAVE YOU PAID YOUR ELECTRIC BILL THIS MONTH?"
"OH, I DON'T EVEN KNOW WHAT THAT'S GONNA BE YET."
"WELL, IT'S GONNA COME IN.
HAVE YOU PAID YOUR GAS BILL YET?"
"UH, NO."
"WELL, THAT'S GONNA COME IN.
HAVE YOU PAID YOUR RENT YET?" "UH, NO."
"WELL, THAT'S GONNA COME IN."
ALL SHE SAW WAS MONEY, AND I'M GONNA SPEND IT.
AND SO SHE WAS ALWAYS IN TROUBLE, AND THEN HER RELATIVES
WERE ALWAYS HAVING TO GET HER OUT OF TROUBLE, NAMELY HER
CHILDREN, BECAUSE SHE WOULD GO AND DO THESE THINGS,
AND SOMEBODY ELSE WOULD HAVE TO PAY THE PRICE FOR IT.
AND THAT'S NOT FAIR TO ANYBODY, AND TO BE HONEST, IF YOU WERE
A MERCHANDISER OR IF YOU OWNED A STORE AND YOU SOLD SOMEBODY
SOMETHING, YOU WOULDN'T WANT THEM TO THEN DECIDE
THEY COULDN'T PAY FOR IT AND JUST GO FILE BANKRUPTCY.
THERE ARE MILLIONS OF BANKRUPTCY CASES FILED
EVERY YEAR, AND THERE MAY BE RARE TIMES WHEN THAT'S NECESSARY
AND IT'S THE ONLY OPTION THAT A PERSON HAS,
BUT IT SHOULD ONLY BE IN THOSE RARE TIMES WHEN THERE'S
NOTHING ELSE THAT WE CAN DO.
I BELIEVE IT'S VERY IMPORTANT FROM A STANDPOINT OF INTEGRITY
IF AT ALL POSSIBLE WE SHOULD PAY OUR BILLS EVEN IF IT
TAKES US A LIFETIME OF PAYING A DOLLAR A MONTH AS LONG AS
WE'RE ALIVE TO TRY TO DO WHAT WE SHOULD DO.
"DO NOT GATHER AND HEAP UP AND STORE FOR YOURSELVES
TREASURES ON EARTH, WHERE MOTH AND RUST AND WORM
CONSUME AND DESTROY, AND WHERE THIEVES BREAK THROUGH
AND STEAL.
BUT GATHER AND HEAP UP AND STORE FOR YOURSELVES
TREASURE IN HEAVEN, WHERE NEITHER MOTH NOR RUST
NOR WORM CONSUME, AND NOTHING CAN DESTROY IT.
FOR WHERE YOUR TREASURE IS, THERE WILL YOUR HEART BE ALSO."
WELL, YOU KNOW, THE WORLD IS FULL OF GREEDY,
GREEDY, GREEDY, LITTLE, SMALL-MINDED PEOPLE,
AND YOU KNOW WHAT HAPPENS WHEN YOU'RE GREEDY?
YOU DON'T HAVE ANY JOY.
YOU'RE STORING UP TREASURE ON EARTH THAT'S IN THE END
ALL GONNA GO BACK IN THE BOX, AND SOMEBODY ELSE WILL START
ALL OVER WITH IT.
NOW, PENNY, I KNOW THAT YOU HAVE SHARED--
PENNY IS MY ADMINISTRATIVE ASSISTANT,
AND PENNY HAS SHARED WITH ME THAT THE MOST IMPORTANT THING
I'VE EVER TAUGHT HER IS TO GIVE.
AND SHE HAS SHARED THAT THERE WAS A TIME WHEN SHE WAS
EXTREMELY STINGY, AND, YOU KNOW, THAT'S HARD TO BELIEVE BECAUSE
YOU'RE SO GENEROUS NOW.
TELL US A LITTLE BIT ABOUT THOSE DAYS.
WHAT WAS IT LIKE FOR YOU, AND WHY WERE YOU LIKE THAT?
PENNY: I WAS LIKE THAT 'CAUSE I GREW UP IN AN
ENVIRONMENT OF FEAR, AND SO I HAD FEAR WHEN IT
CAME TO FINANCES, THAT THERE WASN'T GONNA BE ENOUGH.
AND SO I WANTED TO HOLD ONTO EVERYTHING THAT I DID HAVE,
AND SO WHEN YOU STARTED TEACHING ABOUT FINANCES, I LEARNED
THAT I DID HAVE THINGS THAT I COULD GIVE.
I LEARNED TO GIVE WHEN I THOUGHT I DIDN'T HAVE ANYTHING, AND
EVERYONE HAS SOMETHING TO GIVE.
AND SO I REMEMBER PRAYING AND JUST LIKE YOU TAUGHT US TO PRAY,
JUST GIVE GOD THE INTENTION OF YOUR HEART.
I WANT TO BE A GIVER.
I REALIZE I'M NOT A GIVER.
I AM SELFISH.
I'M SELF-CENTERED.
I HAVE MYSELF ON MY MIND.
I DON'T THINK ABOUT OTHERS, AND SO I BROUGHT THAT BROKENNESS
TO THE LORD AND ASKED HIM TO CREATE IN ME JUST THE HEART
OF A GIVER.
THEN I BEGAN TO SEE SEED AROUND ME, SEED THAT I DIDN'T EVEN
REALIZE THAT I HAD, AND FROM THERE THEN IT JUST MULTIPLIED.
JOYCE: AND HOW DID THAT AFFECT YOUR SOUL?
DID YOU HAVE AN INCREASE OF JOY?
PENNY: I DID AND PEACE.
I LEARNED TO GO FROM FEAR TO PEACE IN THE AREA OF FINANCES,
ASSURANCE INSTEAD OF INSURANCE.
I JUST NEEDED ASSURANCE IN GOD, AND HE BROUGHT A GREAT PEACE
AND A JOY.
OH, IT'S SO MUCH FUN TO GIVE.
I WAKE UP IN THE MORNING NOT WITH MYSELF ON MY MIND ANYMORE
BUT OTHER PEOPLE ON MY MIND, AND HOW CAN I GIVE,
AND HOW CAN I BE A BLESSING?
JOYCE: JUST IMAGINE IF EVERY PERSON WHO CALLS THEMSELVES
A BELIEVER IN JESUS CHRIST WERE LIKE THAT.
WHAT AN IMPACT WE COULD HAVE ON THE WORLD.
NOW, YOU KNOW, SADLY A LARGE MAJORITY OF PEOPLE, ANYONE WHO
DOESN'T KNOW THE WORD OF GOD, DOESN'T HAVE ANY IDEA ABOUT WHAT
I'M TALKING ABOUT RIGHT NOW.
THEY JUST THINK THAT THE WHOLE PURPOSE IN LIFE IS TO SEE HOW
MUCH STUFF YOU CAN GET AND WALK ALL OVER WHOEVER YOU NEED TO
WALK ALL OVER TO GET IT, AND WE JUST HAVE TO MAKE SURE THAT WE
ARE NOT LIKE THAT IN THE CHURCH.
WHAT IS THE DIFFERENCE IN YOUR WANTS AND YOUR NEEDS?
YOU NEED A HOUSE TO LIVE IN.
YOU WANT TO GO ON A VACATION.
I REMEMBER WHEN DAVE AND I WERE FIRST MARRIED,
WHICH HAS NOW BEEN 46 YEARS AGO.
IT WAS YEARS AND YEARS AND YEARS BEFORE WE WERE ABLE TO TAKE
A VACATION, AND THEN WE HAD TO TAKE THE CHEAPEST VACATION
WE COULD POSSIBLY FIND.
WE DROVE ALL THE WAY TO COLORADO TO SEE DAVE'S BROTHER,
AND WE DIDN'T HAVE THE MONEY TO STAY IN A HOTEL OVERNIGHT.
AND OUR KIDS SLEPT IN THE FLOOR BOARD OF THE BACK OF THE CAR,
AND SOMETHING WAS WRONG WITH THE LIGHTS ON THE CAR.
SOMETHING HAPPENED WHILE WE WERE GOING, AND SO THE WHOLE
WAY THERE THE LIGHTS WERE FLASHING ON AND OFF.
BUT YOU KNOW WHAT?
I REALLY WOULDN'T TRADE ANYTHING FOR THOSE DAYS BECAUSE
I SO APPRECIATE WHAT I HAVE NOW, AND, YOU KNOW,
NOW MOST PEOPLE--AND NOT ALL, BUT I KNOW MANY YOUNG PEOPLE
IN THEIR 20S, THEY WOULD GET DEPRESSED IF THEY COULDN'T TAKE
2 VACATIONS EVERY YEAR, AND IT'S LIKE WE HAVE SO LOST,
I THINK, THE ART OF REALLY REALIZING THAT GOD HAS PROMISED
TO MEET ALL OF OUR NEEDS.
HE DOESN'T TELL US HE'S GONNA GIVE US EVERY SINGLE THING
WE WANT.
HE WILL GIVE US THE DESIRES OF OUR HEART IF THEY'RE
GENUINE DESIRES THAT ARE GONNA BE A BLESSING TO US,
BUT WE CAN TRUST GOD TO GIVE US WHAT WE REALLY NEED
AND SOME OF THE THINGS THAT WE WANT AT THE RIGHT TIME.
LET ME ASK A QUESTION, AND THIS IS JUST SOMETHING
THAT I WANNA GET IN YOUR HEART TODAY.
ARE YOU EXPECTING MONEY WITHOUT RESPECTING MONEY?
THINK ABOUT THAT?
ARE WE EXPECTING MONEY WITHOUT RESPECTING MONEY?
I THINK WE NEED TO HAVE A RESPECT FOR MONEY,
AND WE SEE SO MUCH WASTE TODAY.
WE DON'T WANNA WASTE THINGS.
YOU KNOW, I HAVE SOME REALLY GOOD THINGS ON FINANCES.
THERE'S LOTS OF GOOD THINGS AVAILABLE.
THERE'S LOT OF PLANS TO HELP PEOPLE GET OUT OF DEBT.
I'M NOT GONNA JUST TELL YOU SOMETHING THAT'S NOT TRUE.
IF YOU'RE DEEP IN DEBT, IT'S GONNA TAKE YOU A LONG TIME
TO GET OUT, AND IT'S NOT GONNA BE EASY.
BUT IF YOU START GOING IN THE RIGHT DIRECTION,
GOD WILL GET ON BOARD WITH YOU, AND HE'LL MAKE SOME THINGS
HAPPEN THAT WILL ABSOLUTELY LEAVE YOU WITH YOUR JAW DROPPED
IN AWE LIKE, "OH, MY GOSH."
A LOT OF TIMES WE JUST SIT AROUND AND COMPLAIN ABOUT
OUR SITUATION, OR EVEN WORSE I THINK A LOT OF TIMES,
AND I MIGHT AS WELL JUST THROW THIS IN BECAUSE I'M AN EMPLOYER,
I THINK A LOT OF TIMES WHEN PEOPLE DON'T MANAGE
THEIR MONEY WELL AND THEY GET DEEPLY IN DEBT,
THEN THEY GET MAD AT WHO THEY'RE WORKING FOR BECAUSE
THEY THINK THEY'RE NOT MAKING ENOUGH MONEY, WHEN THE TRUTH IS
IF YOU'RE MAKING THE AMOUNT OF MONEY THAT SHOULD BE MAKING
FOR THE JOB THAT YOU'RE DOING-- AND YOU CAN FIND THAT OUT
PRETTY EASILY JUST BY DOING A SEARCH ON THE INTERNET--
THEN IT'S NOT YOUR EMPLOYER'S FAULT IF YOU'RE DEEP IN DEBT.
IT'S YOUR RESPONSIBILITY BECAUSE YOU HAVEN'T MANAGED
WHAT YOU HAD WELL.
AND I'VE SEEN THAT OVER AND OVER AND OVER, "WELL, I'M NOT MAKING
ENOUGH MONEY."
NO, IT'S NOT THAT YOU'RE NOT MAKING ENOUGH MONEY.
YOU'RE SPENDING TOO MUCH MONEY, AND THERE'S A DIFFERENCE.
DO YOU KNOW MOST PEOPLE LIVE FROM PAYCHECK TO PAYCHECK?
WE ALWAYS NEED TO LIVE 30% BELOW OUR ABILITY.
IF YOU LIVE 30% BELOW THE LIFESTYLE YOU COULD LIVE,
THEN YOU'RE ALWAYS GOING TO HAVE MONEY, AND YOU'RE NEVER
GOING TO BE PRESSURED.
YOU'LL ALWAYS HAVE ENOUGH TO MEET YOUR NEEDS
AND PLENTY TO GIVE TO OTHER PEOPLE THAT ARE IN NEED ALSO.
AND SO, YOU KNOW, THIS IS--THERE'S FAR TOO MUCH
TO THIS FOR ME TO GET IT ACROSS EVEN IN 2 DAYS, BUT I JUST
WANTED TO THROW SOME IDEAS OUT TO YOU THAT IT WAS NEVER
GOD'S WILL FOR YOU TO BE IN DEBT ALL THE TIME.
IT WAS NEVER GOD'S WILL FOR YOU TO LIVE UNDER THAT PRESSURE.
STOP LETTING THIS STUFF RULE IN YOUR LIFE.
I DON'T THINK THERE'S ANY WRONG WITH HAVING NICE STUFF.
IF YOU CAN HAVE IT AND PAY FOR IT, GET IT, BUT IF YOU CAN'T PAY
FOR IT AND YOU'RE GONNA HAVE TO GO IN DEBT TO GET IT, THEN I
THINK YOU NEED TO LEARN HOW TO WAIT BECAUSE WE ALL KNOW,
AT LEAST I THINK--WELL, MAYBE WE DON'T ALL KNOW,
BUT OUR JOY IS NOT BASED ON WHAT WE HAVE.
OUR JOY IS BASED ON WHO WE KNOW.
SOMEBODY ASKED ME THE OTHER DAY--I'D BEEN GONE FOR
A LONG TIME.
THEY SAID, "ARE YOU HAPPY TO BE HOME?"
I SAID, "YEAH, I'M REALLY HAPPY TO BE HOME."
BUT I SAID, "YOU KNOW WHAT?
I'VE JUST MADE A DECISION A GOOD NUMBER OF YEARS AGO
I'M JUST GONNA BE HAPPY NO MATTER WHERE I'M AT."
AND I REALLY DO BELIEVE THAT HAPPINESS, A LOT OF IT,
IS A DECISION, AND IT'S AMAZING WHEN I LOOK BACK AT HOW LITTLE
DAVE AND I HAD IN THE EARLY YEARS OF OUR LIFE,
I DON'T REMEMBER BEING ALL THAT UNHAPPY WITH WHAT I HAD.
AND, YES, NOW WE HAVE MORE.
ANYBODY SHOULD HAVE MORE AFTER YOU'VE BEEN MARRIED 46 YEARS
THAN YOU HAD WHEN YOU FIRST GOT STARTED, BUT I DO KNOW THAT
MY JOY IS NOT CONNECTED TO THAT.
SO MAYBE YOU'RE WATCHING THE PROGRAM TODAY,
AND YOU'VE GOTTEN YOURSELF ALL UPSET BECAUSE YOU DON'T HAVE
WHAT SOME FRIEND OF YOURS HAS, OR YOU THINK YOU NEED THIS,
OR YOU NEED THAT, OR, YOU KNOW, WHATEVER.
WELL, LET ME JUST TELL YOU THAT YOUR JOY'S NOT CONNECTED
TO THAT, AND IF YOU REALLY START PUTTING GOD FIRST IN YOUR LIFE
MATTHEW 6:33 SAYS, "SEEK YE FIRST THE KINGDOM OF
GOD AND HIS RIGHTEOUSNESS, AND ALL OF THESE THINGS
WILL BE ADDED UNTO YOU."
I LIKE TO TELL PEOPLE IF YOU CHASE GOD, BLESSINGS WILL
CHASE YOU.
YOU DON'T HAVE TO CHASE BLESSINGS.
YOU NEED TO CHASE GOD AND LET THE BLESSINGS CHASE YOU.
NOW WE ARE GONNA OFFER YOU SOMETHING TODAY AS A GIFT.
I LIKE TO GIVE GIFTS TO PEOPLE SOMETIMES.
IT'S MY PERSONAL NOTES ON FINANCES.
THESE ARE THE NOTES THAT I TAUGHT MY SERIES FROM
ON FINANCES, AND, OF COURSE, IF YOU WOULD LIKE TO GET OTHER
RESOURCES THAT WE HAVE, YOU CAN CALL US,
OR YOU CAN LOOK ONLINE.
BUT THIS WE WANNA GIVE YOU.
NOW WHY WOULD WE JUST GIVE IT AWAY?
WELL, BECAUSE I WOULD IMAGINE THAT THE PEOPLE WHO NEED IT THE
MOST PROBABLY COULD NOT AFFORD TO BUY IT, AND I'M WILLING
TO SOW THIS INTO YOUR LIFE AS A GIFT.
IF YOU'LL CALL US OR WRITE US I'LL SOW THIS INTO YOUR LIFE
AS A GIFT IF YOU WILL JUST MAKE A COMMITMENT TO READ IT,
LOOK THESE SCRIPTURES UP, AND BEGIN TO PRAY ABOUT GOD
GIVING YOU A PLAN ON HOW YOU CAN GET OUT OF DEBT.
YOU SHOULD BE THE HEAD AND NOT THE TAIL,
ABOVE AND NOT BENEATH.
YOU SHOULD BE ABLE TO LEND TO MANY NATIONS
AND NEVER HAVE TO BORROW, AND YOU SHOULD NEVER
LAY IN YOUR BED AT NIGHT IN FEAR BECAUSE YOU CAN'T PAY YOUR BILLS
AND YOU DON'T KNOW WHAT YOU'RE GOING TO DO.
WE ALL DO FOOLISH THINGS AT SOME TIMES IN OUR LIVES.
THERE'S NO DOUBT ABOUT THAT.
THERE'S NO CRIME IN MAKING A MISTAKE, BUT IT IS TERRIBLE
ONCE YOU'VE MADE IT AND SEE THE RESULTS IF YOU KEEP
MAKING IT OVER AND OVER AND OVER AGAIN.
SO THIS IS A NEW DAY, AND I BELIEVE THAT SOME
GOOD THINGS ARE IN STORE FOR YOU.
GOD BLESS YOU, AND BE SURE YOU JOIN US AGAIN TOMORROW.
[AUDIENCE APPLAUDING]
ANNOUNCER: WE LIVE IN A WORLD WHERE TRUST IS DIFFICULT TO GAIN
AND EASILY BROKEN.
YET, WE ALL NEED A SAFE PLACE WHERE WE CAN TRUST FEARLESSLY.
COME, CONNECT WITH THE ONE WHO WON'T LET YOU DOWN,
WHOSE LOVE FOR YOU NEVER EVER FAILS
AT THE 35TH ANNIVERSARY LOVE LIFE WOMEN'S CONFERENCE,
FEATURING JOYCE MEYER AND HER GUESTS: JOEL OSTEEN,
JOHN GRAY, MICHAEL W. SMITH, CHRIS TOMLIN, CECE WINANS,
RUTH GRAHAM, AND DAVE MEYER.
JOYCE: YOU WANNA REALLY MAKE THE DEVIL MAD?
TRUST GOD AND ENJOY YOUR LIFE WHILE GOD IS SOLVING
YOUR PROBLEM.
JOEL: SO QUIT TRYIN' TO FIGURE IT ALL OUT AND SAY,
"GOD, I'M GONNA TAKE THE LIMITS OFF OF YOU.
I KNOW ONE TOUCH OF YOUR FAVOR CAN GET ME TO WHERE
I'M SUPPOSED TO BE.
ANNOUNCER: EARLY-BIRD PRICING ENDS MAY 31 SO REGISTER TODAY,
THE 2017 LOVE LIFE WOMEN'S CONFERENCE.
[MUSIC]
CC BY ABERDEEN CAPTIONING 1-800-688-6621 WWW.ABERCAP.COM
ANNOUNCER: THE PRECEDING WAS PAID FOR
BY THE FRIENDS AND PARTNERS OF JOYCE MEYER MINISTRIES.
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