October 13, 2025 • 18 mins
“Ever wonder why so many people chase success but end up stuck? In Don’t Buy Shovels, Paul unpacks the hidden cost of chasing quick wins and following the latest financial fads. Discover why the real path to freedom isn’t found in hype, but in slow, faithful progress and trust in God’s timing.”
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Episode Transcript
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(00:00):
Paul, Welcome to Catholic moneytalk, where we talk about all
things money and finance, and wetry to do it through a lens of
being Catholic, where ourultimate goal is to one day be
in Heaven with the Lord. I amyour host. Paul Scarfone, thank
you for being here today.
Welcome back to Catholic moneytalk today, I want to talk about
(00:21):
not buying shovels and what theheck does that mean. But before
we get into it, let's say aprayer in the name of the Father
and of the Son and of the HolySpirit. Amen, Heavenly Father.
We thank you for this day. Wethank you for all the ways you
love and bless us. Lord. We knowthat you have an awesome plan
for us. Just fill us with agreat sense of hope and with
(00:43):
great trust in You. Lord, sendus Your holy spirit to
strengthen us, to guard us, toguide us to you. Come O Holy
Spirit. We ask this all in Jesusname, amen, in the name of the
Father and of the Son and of theHoly Spirit, Amen. So today I
want to talk about somethingthat keeps coming up over and
(01:06):
over again, and it's this, don'tbuy shovels.
And I'm not talking aboutdon't go into construction or
don't have a reason to startgardening, right? But, but what
do I mean by that? And let'sjust, let's start by just being
honest about our human nature.
(01:30):
We all want to accomplish thingsquickly, and maybe not just
easy, but fast, right? We knowour time is limited. So if
there's a faster way to reach agoal, we typically want to find
it, and because of that desirefor speed or quickness, we'll
often Chase shortcuts instead ofbuilding Steady Habits. And
(01:54):
that's where this phrase iscoming from, don't buy shovels.
And here's the example. Youknow, I was thinking about this
the other day. So the SanFrancisco Gold Rush, the famous
1849 gold rush. Gold Rush, wherewe get the name right, the
football team, the 40 Niners.
And it actually started a coupleyears earlier, and went until
about 1852 and during that time,over 300,000 people went to
(02:20):
California chasing gold, hopingto get rich quick. They came
from everywhere, North America,Latin America, China, Australia,
Europe. They all had the samedream, strike it rich. And
here's the crazy part I was Iwas researching this the other
day, historians, they estimatethat only in the low 1000s made
(02:42):
any significant wealth. Sothat's about 1% the rest. What
happened to the rest? Well,many, they barely broke even.
There were several that diedfrom disease, from violence or
accidents,and many people went home in
debt.
(03:06):
But where did all the money go?
Because there was a lot of goldthat they found in those days.
In those dollars, it wasestimated it's over 2 billion.
So in today's money, that's 70to $90 billion dollars. So if
only 1% got rich, where'd allthe money go? Who actually got
rich? Well, it wasn't theminers.
(03:30):
It was the merchants,traders, service providers,
right? Hotels, bars,restaurants, they all jacked up
their prices. Eggs were $1 each.
That's in today's dollars, like30 bucks an egg. I think a dozen
eggs right now is about $3 rightboots, 100 bucks today, that'd
(03:52):
be 3000 and a hotel bed 10, $10a night in today's dollars,
that's 300 which is like hey, anice hotel is about 300 but back
then, it was probably a bunkhouse and an outhouse, right? A
bunk house shared with manypeople, not a private room with
a private bathroom. The point isthat people selling the supplies
(04:16):
made the money.
The real winners, right?
I don't even know if I shouldsay the real winners. The people
that made the money were sellingshovels. Everyone else was just
kind of their victim. Here's acouple examples of the shovel
sellers. So this fella, SamuelBrannon, he bought up. He bought
(04:37):
up all the mining suppliesbefore announcing gold
discovery. He sold pants rightfor panning for gold. He sold
pans for 15 bucks. They onlycost him 20 cents. We know the
name Levi. Levi Strauss soldpants to miners, right? That's
where the Levi's pants and jeanscome from, right? Today, it's a
billion dollar company. And thenHenry wells, William. William
(05:00):
Fargo, they started a way totransport and secure the gold
that people found, the moneythey made they started Wells
Fargo, right? Today, that's amassive financial institution.
So 300,000 people chased adream.
1% actually struck it rich.
The merchants, they were sellingshovels. The shovel sellers,
(05:27):
they built businesses, theybuilt empires, and the miners
were just chasing dreams andbuying the shovels. And today,
that modern the gold rush, it'severywhere, and this is why I
was thinking about it. So I'llgo on YouTube. And I like to
look for videos great storiesrelated to personal finance. I
(05:48):
try to show when I teach thehigh schoolers personal finance,
I try to find some videos thatresonate with them. Sometimes
they like to watch a video thanjust hearing me speak. And many
times, because I'm looking forfinancial stuff, the suggested
videos and the ads that findtheir way in front of me are
full of get rich quick promises,right? And because I'm searching
(06:15):
topics so the algorithm, itfeeds me the ads build a real
estate empire overnight, makemillions with my system, buy my
course and quit your job byFriday, right? So these people
built success. Maybe they foundsome success by catching a break
somewhere. And so now they'regoing to sell a book on how it's
(06:36):
so easy for you to do this too,and they're not trying to help
you build wealth, they're nottrying to help you get rich.
They're trying to sell you ashovel. I'm not just, I'm not
saying they're all bad, but thevast majority of them right way,
like, How can everyone have thiseasy playbook? Although, if it
was that easy, everyone would bemaking so much money, right?
(07:00):
These people found a way, andthey're selling a book, or
there's they're trying to sellthe shovel. And it's the same
hype with investments, right? Afew years ago, crypto, there
were certain stocks beingshouted about everywhere, so
people piled in hoping to hit itbig. And most people lost money.
Who made the money, the peoplewho started the hype, the one
selling the shovels. And thetruth is we, we all want quick
(07:23):
and easy, like we like thatidea. One of my favorite quotes,
I had to look up who said this?
So it's a fella by the name ofEddie Cantor. He was an
entertainer from the early 1900she said it takes about 20 years
to become an overnight success.
That's real life success almostalways comes from consistent
(07:49):
habits, regular discipline anddaily effort. I remember a
leadership speaker talking aboutmarathon training, and you know,
on day one he could not run 26miles. Six months later he
could. And there was not onemagic moment, right? There
(08:12):
wasn't that one key day,whatever, 100 where it was like,
Oh, I just got to do this. No,it was consistent effort, day
after day, and slowly,the switch flips.
Slow and steady wins the race. Ilove the story of the tortoise
and the hare. I hope we all doright. Slow and steady wins the
(08:33):
race. No matter how many timesyou read it, it always has the
same outcome. The tortoisealways wins. But many of us,
we'd rather be fast and flashy.
We want results without thework. When we say work smarter,
not harder, we're actuallysaying, do the right, consistent
activities. Sometimes people saywork smarter, not harder,
referencing like try to find ashortcut. That's not what we're
(08:54):
suggesting. We're suggestingthat good diligence and effort
consistentlywill lead us to success, right?
And if you're not familiar withthe get rich quick schemes,
maybe, maybe you're familiarwith weight loss ads, those have
(09:16):
the same trap, right? Lose 10pounds in seven days. Look like
this in 3060, 90 days, buy thesepills, this program, this magic
exercise, and people jump atthese because they want quick
results. But if you don't knowyour real goal, and you don't
build new habits, you're goingto fall for these marketing
traps every single time.
(09:38):
Don't buy shovels, you levels.
A great example of this is thelottery, right? This is like,
probably the most wide usedshovel in our culture, okay, so
about 50% of adults in the US,so that's approximately 130
(09:59):
million. People play the lotteryat least once a year. Okay, so
that's, you know, maybe the big,big jackpots, people are like,
Oh, let me, let me pay somemoney. That's one, 30 million
people. Now here, here's thecrazy part. 50 million people
play every week. Some peoplespend very little, but some
(10:22):
people spend over $500 a month.
As I was doing my research, Ifound that it's about 12 million
people spend $150 a month onaverage, right? So if the 50
million that play every week,some little, some a lot of those
regular spenders, there's about12 million people that are
(10:45):
spending at least $150 a month.
Why? Because they think it'stheir only chance to make it.
It's their shortcut to freedom.
That's what they think. Buthere's the thing, if they
invested that same $150 permonth from age 25 to 65 that's
(11:05):
40 years, right? Like a vastmajority of their adult life, at
65 they would have over $1million and as I was looking
this up, there's only about 60to 100 people per year that win
a million dollars or more in thelottery, right out of 130
million players. I, you know, Ican't even do the I can't do
(11:30):
those fractions. In my mind,it's the chance of you winning a
million dollars or more in thelottery is so, so small, right?
That's not a plan. That's afantasy.
But here's the deal, investing$150
a month long term, right? Thatsame period from 25 to 65 gives
(11:54):
you over a 99% chance ofreaching a million dollars,
right? And I'll say, you know,well diversified, right?
But the lottery gives you, likeno chance,
slow and steady wins the race.
Here's the other kicker, andthis was something I was
thinking about just just now, aswe're talking actually, so 70%
of lottery winners go bankruptwithin five years, right? 70% of
(12:18):
these big million dollars ormore lottery winners go bankrupt
in five years. Why? Well,because they never took the time
to build the behaviors they needto manage money.
But here's the deal, if youbuild wealth slowly,
you grow with it, you mature.
You've had practice handling it.
(12:41):
When you see a million dollarsin your investment account, it
doesn't shock your system. Youwere growing towards it.
When we talk about slow andsteady, we talk about not
falling for scams, not goingafter get rich quick, not buying
shovels. A favorite scripture,verse of mine, Proverbs, 1311,
(13:01):
it says wealth gained hastilywill dwindle, but whoever
gathers little by little willincrease it. So God already told
us, slow and steady wins therace. Back in episode 10, I
talked about this. Go listen toit, if you haven't, it's title
(13:22):
of the episode is slow andsteady wins the race, right? So
today's mantra, don't buyshovels. And at a young age,
this starts to we start thinkingabout shovels, right? High
schoolers, when I'm teachingthem, they'll ask me, Mr.
Scarfone, what stock should Ibuy? Mr. Scarfone, what do you
(13:42):
think about crypto? I tell them,right now, the best investment
you can make is in yourself.
It's save for college or tradeschool. Avoid student loan debt.
Build a smart post high schoolplan, because you want to move
towards the Lord's will andtowards your vocation, right,
(14:03):
the plan that He has for you.
Because here's the challenge, ifGod calls you to, you know,
marriage or religious life, likeso many times, I mean religious
life in particular, they're notgoing to take if you're drowning
in student loan debt. And manytimes, we delay getting married
because we have all the studentloan debt. So put yourself in a
(14:25):
position where you can hear theLord, and then you're free to
respond to him. You say, Yes,Lord, you know if you're middle
aged, or maybe you're older thanmiddle aged, get your house in
order. Adults devise a plan andstick to it. Children do what's
easy. We can't have a plan if wedon't have goals. So where are
(14:51):
you going? What's your finaldestination? What are you moving
towards? What are you trying tomove towards? Ultimately, nice.
Say this every podcast, I thinkin my opening intro, our
ultimate goal is heaven. So howdo we use our money in a way
that helps us to know love andserve God so that we can be
(15:13):
happy with him forever in thenext life? We must prayerfully
discern our financial goals. Askthe Lord to show you the path,
use, virtue, prudence, faith,hope, charity, love. In your
finances, there's no shortcut.
Yes, sometimes God gives a bigbreak, but even then, those who
are prepared are the ones whocan handle it. I have a very
(15:34):
close friend who is working in atechnology company that he
started with a partner, and hestarted this years ago, but
before he was there, he hadstarted a different startup and
a different one. He was part ofdifferent startups, and he had,
he had a bit of a career in atechnology company, then left to
(15:57):
join some startups, and so manyof them struggled and struggled
and struggled, but now, the onehe's in, it's thriving. Why?
Well, in my assessment of it,when I look at him, why is he
thriving now? Well, he's a manof deep prayer. He works hard.
He always stays faithful to theLord, and He was patient through
(16:18):
the ups and the downs, andeventually the market was right.
The connections aligned, thethings clicked. Was it? Was it a
little lock? I mean, maybe, butwas he ready? Yes, and it took
years. He didn't chaseshortcuts. He steadily, slowly
(16:41):
built 20 years and suddenly he'san overnight success.
So work hard at the rightthings.
You know, even those, thosepeople buying $150 in lottery
tickets every month, they areworking hard. They're just
(17:01):
working hard on the wrong thing.
Let's work hard on the rightthings, pursuing the Lord daily,
being diligent, being prudent,using wisdom in our finances,
building the right habits overtime, then one day, 20 years go
by and boom, overnight success.
(17:24):
So don't fall for the scam.
Don't fall for get rich quick.
Don't fall for the magic system.
Don't fall for the hot stocktip. Don't fall for the crypto
hype, the perfect side hustle.
Don't fall for the shovelsalesman. Don't buy shovels.
Build plan, be faithful, stickwith it and trust the Lord. Then
(17:47):
slow and steady, little bylittle, through the Lord's
faithfulness, you'll reachsuccess. So I hope this has been
helpful. I really, I pray thishas been helpful. If something I
said encourages you, awesome. Ifmaybe there's something I said
that you think might encouragesomeone else, share it with
(18:09):
them.
Please. Thank you for joining metoday. God bless you.
Thank you for listening toCatholic money talk. I hope you
join us again next time, pleaseclick Subscribe on your podcast
(18:31):
app to get notified of newepisodes. God bless you and have
a great day. Foreign you.
Paul, Welcome to Catholic moneytalk, where we talk about all
things money and finance, and wetry to do it through a lens of
being Catholic, where ourultimate goal is to one day be
in Heaven with the Lord. I amyour host. Paul Scarfone, thank
you for being here today.
Welcome back to Catholic moneytalk today, I want to talk about
(00:21):
not buying shovels and what theheck does that mean. But before
we get into it, let's say aprayer in the name of the Father
and of the Son and of the HolySpirit. Amen, Heavenly Father.
We thank you for this day. Wethank you for all the ways you
love and bless us. Lord. We knowthat you have an awesome plan
for us. Just fill us with agreat sense of hope and with
(00:43):
great trust in You. Lord, sendus Your holy spirit to
strengthen us, to guard us, toguide us to you. Come O Holy
Spirit. We ask this all in Jesusname, amen, in the name of the
Father and of the Son and of theHoly Spirit, Amen. So today I
want to talk about somethingthat keeps coming up over and
(01:06):
over again, and it's this, don'tbuy shovels.
And I'm not talking aboutdon't go into construction or
don't have a reason to startgardening, right? But, but what
do I mean by that? And let'sjust, let's start by just being
honest about our human nature.
(01:30):
We all want to accomplish thingsquickly, and maybe not just
easy, but fast, right? We knowour time is limited. So if
there's a faster way to reach agoal, we typically want to find
it, and because of that desirefor speed or quickness, we'll
often Chase shortcuts instead ofbuilding Steady Habits. And
(01:54):
that's where this phrase iscoming from, don't buy shovels.
And here's the example. Youknow, I was thinking about this
the other day. So the SanFrancisco Gold Rush, the famous
1849 gold rush. Gold Rush, wherewe get the name right, the
football team, the 40 Niners.
And it actually started a coupleyears earlier, and went until
about 1852 and during that time,over 300,000 people went to
(02:20):
California chasing gold, hopingto get rich quick. They came
from everywhere, North America,Latin America, China, Australia,
Europe. They all had the samedream, strike it rich. And
here's the crazy part I was Iwas researching this the other
day, historians, they estimatethat only in the low 1000s made
(02:42):
any significant wealth. Sothat's about 1% the rest. What
happened to the rest? Well,many, they barely broke even.
There were several that diedfrom disease, from violence or
accidents,and many people went home in
debt.
(03:06):
But where did all the money go?
Because there was a lot of goldthat they found in those days.
In those dollars, it wasestimated it's over 2 billion.
So in today's money, that's 70to $90 billion dollars. So if
only 1% got rich, where'd allthe money go? Who actually got
rich? Well, it wasn't theminers.
(03:30):
It was the merchants,traders, service providers,
right? Hotels, bars,restaurants, they all jacked up
their prices. Eggs were $1 each.
That's in today's dollars, like30 bucks an egg. I think a dozen
eggs right now is about $3 rightboots, 100 bucks today, that'd
(03:52):
be 3000 and a hotel bed 10, $10a night in today's dollars,
that's 300 which is like hey, anice hotel is about 300 but back
then, it was probably a bunkhouse and an outhouse, right? A
bunk house shared with manypeople, not a private room with
a private bathroom. The point isthat people selling the supplies
(04:16):
made the money.
The real winners, right?
I don't even know if I shouldsay the real winners. The people
that made the money were sellingshovels. Everyone else was just
kind of their victim. Here's acouple examples of the shovel
sellers. So this fella, SamuelBrannon, he bought up. He bought
(04:37):
up all the mining suppliesbefore announcing gold
discovery. He sold pants rightfor panning for gold. He sold
pans for 15 bucks. They onlycost him 20 cents. We know the
name Levi. Levi Strauss soldpants to miners, right? That's
where the Levi's pants and jeanscome from, right? Today, it's a
billion dollar company. And thenHenry wells, William. William
(05:00):
Fargo, they started a way totransport and secure the gold
that people found, the moneythey made they started Wells
Fargo, right? Today, that's amassive financial institution.
So 300,000 people chased adream.
1% actually struck it rich.
The merchants, they were sellingshovels. The shovel sellers,
(05:27):
they built businesses, theybuilt empires, and the miners
were just chasing dreams andbuying the shovels. And today,
that modern the gold rush, it'severywhere, and this is why I
was thinking about it. So I'llgo on YouTube. And I like to
look for videos great storiesrelated to personal finance. I
(05:48):
try to show when I teach thehigh schoolers personal finance,
I try to find some videos thatresonate with them. Sometimes
they like to watch a video thanjust hearing me speak. And many
times, because I'm looking forfinancial stuff, the suggested
videos and the ads that findtheir way in front of me are
full of get rich quick promises,right? And because I'm searching
(06:15):
topics so the algorithm, itfeeds me the ads build a real
estate empire overnight, makemillions with my system, buy my
course and quit your job byFriday, right? So these people
built success. Maybe they foundsome success by catching a break
somewhere. And so now they'regoing to sell a book on how it's
(06:36):
so easy for you to do this too,and they're not trying to help
you build wealth, they're nottrying to help you get rich.
They're trying to sell you ashovel. I'm not just, I'm not
saying they're all bad, but thevast majority of them right way,
like, How can everyone have thiseasy playbook? Although, if it
was that easy, everyone would bemaking so much money, right?
(07:00):
These people found a way, andthey're selling a book, or
there's they're trying to sellthe shovel. And it's the same
hype with investments, right? Afew years ago, crypto, there
were certain stocks beingshouted about everywhere, so
people piled in hoping to hit itbig. And most people lost money.
Who made the money, the peoplewho started the hype, the one
selling the shovels. And thetruth is we, we all want quick
(07:23):
and easy, like we like thatidea. One of my favorite quotes,
I had to look up who said this?
So it's a fella by the name ofEddie Cantor. He was an
entertainer from the early 1900she said it takes about 20 years
to become an overnight success.
That's real life success almostalways comes from consistent
(07:49):
habits, regular discipline anddaily effort. I remember a
leadership speaker talking aboutmarathon training, and you know,
on day one he could not run 26miles. Six months later he
could. And there was not onemagic moment, right? There
(08:12):
wasn't that one key day,whatever, 100 where it was like,
Oh, I just got to do this. No,it was consistent effort, day
after day, and slowly,the switch flips.
Slow and steady wins the race. Ilove the story of the tortoise
and the hare. I hope we all doright. Slow and steady wins the
(08:33):
race. No matter how many timesyou read it, it always has the
same outcome. The tortoisealways wins. But many of us,
we'd rather be fast and flashy.
We want results without thework. When we say work smarter,
not harder, we're actuallysaying, do the right, consistent
activities. Sometimes people saywork smarter, not harder,
referencing like try to find ashortcut. That's not what we're
(08:54):
suggesting. We're suggestingthat good diligence and effort
consistentlywill lead us to success, right?
And if you're not familiar withthe get rich quick schemes,
maybe, maybe you're familiarwith weight loss ads, those have
(09:16):
the same trap, right? Lose 10pounds in seven days. Look like
this in 3060, 90 days, buy thesepills, this program, this magic
exercise, and people jump atthese because they want quick
results. But if you don't knowyour real goal, and you don't
build new habits, you're goingto fall for these marketing
traps every single time.
(09:38):
Don't buy shovels, you levels.
A great example of this is thelottery, right? This is like,
probably the most wide usedshovel in our culture, okay, so
about 50% of adults in the US,so that's approximately 130
(09:59):
million. People play the lotteryat least once a year. Okay, so
that's, you know, maybe the big,big jackpots, people are like,
Oh, let me, let me pay somemoney. That's one, 30 million
people. Now here, here's thecrazy part. 50 million people
play every week. Some peoplespend very little, but some
(10:22):
people spend over $500 a month.
As I was doing my research, Ifound that it's about 12 million
people spend $150 a month onaverage, right? So if the 50
million that play every week,some little, some a lot of those
regular spenders, there's about12 million people that are
(10:45):
spending at least $150 a month.
Why? Because they think it'stheir only chance to make it.
It's their shortcut to freedom.
That's what they think. Buthere's the thing, if they
invested that same $150 permonth from age 25 to 65 that's
(11:05):
40 years, right? Like a vastmajority of their adult life, at
65 they would have over $1million and as I was looking
this up, there's only about 60to 100 people per year that win
a million dollars or more in thelottery, right out of 130
million players. I, you know, Ican't even do the I can't do
(11:30):
those fractions. In my mind,it's the chance of you winning a
million dollars or more in thelottery is so, so small, right?
That's not a plan. That's afantasy.
But here's the deal, investing$150
a month long term, right? Thatsame period from 25 to 65 gives
(11:54):
you over a 99% chance ofreaching a million dollars,
right? And I'll say, you know,well diversified, right?
But the lottery gives you, likeno chance,
slow and steady wins the race.
Here's the other kicker, andthis was something I was
thinking about just just now, aswe're talking actually, so 70%
of lottery winners go bankruptwithin five years, right? 70% of
(12:18):
these big million dollars ormore lottery winners go bankrupt
in five years. Why? Well,because they never took the time
to build the behaviors they needto manage money.
But here's the deal, if youbuild wealth slowly,
you grow with it, you mature.
You've had practice handling it.
(12:41):
When you see a million dollarsin your investment account, it
doesn't shock your system. Youwere growing towards it.
When we talk about slow andsteady, we talk about not
falling for scams, not goingafter get rich quick, not buying
shovels. A favorite scripture,verse of mine, Proverbs, 1311,
(13:01):
it says wealth gained hastilywill dwindle, but whoever
gathers little by little willincrease it. So God already told
us, slow and steady wins therace. Back in episode 10, I
talked about this. Go listen toit, if you haven't, it's title
(13:22):
of the episode is slow andsteady wins the race, right? So
today's mantra, don't buyshovels. And at a young age,
this starts to we start thinkingabout shovels, right? High
schoolers, when I'm teachingthem, they'll ask me, Mr.
Scarfone, what stock should Ibuy? Mr. Scarfone, what do you
(13:42):
think about crypto? I tell them,right now, the best investment
you can make is in yourself.
It's save for college or tradeschool. Avoid student loan debt.
Build a smart post high schoolplan, because you want to move
towards the Lord's will andtowards your vocation, right,
(14:03):
the plan that He has for you.
Because here's the challenge, ifGod calls you to, you know,
marriage or religious life, likeso many times, I mean religious
life in particular, they're notgoing to take if you're drowning
in student loan debt. And manytimes, we delay getting married
because we have all the studentloan debt. So put yourself in a
(14:25):
position where you can hear theLord, and then you're free to
respond to him. You say, Yes,Lord, you know if you're middle
aged, or maybe you're older thanmiddle aged, get your house in
order. Adults devise a plan andstick to it. Children do what's
easy. We can't have a plan if wedon't have goals. So where are
(14:51):
you going? What's your finaldestination? What are you moving
towards? What are you trying tomove towards? Ultimately, nice.
Say this every podcast, I thinkin my opening intro, our
ultimate goal is heaven. So howdo we use our money in a way
that helps us to know love andserve God so that we can be
(15:13):
happy with him forever in thenext life? We must prayerfully
discern our financial goals. Askthe Lord to show you the path,
use, virtue, prudence, faith,hope, charity, love. In your
finances, there's no shortcut.
Yes, sometimes God gives a bigbreak, but even then, those who
are prepared are the ones whocan handle it. I have a very
(15:34):
close friend who is working in atechnology company that he
started with a partner, and hestarted this years ago, but
before he was there, he hadstarted a different startup and
a different one. He was part ofdifferent startups, and he had,
he had a bit of a career in atechnology company, then left to
(15:57):
join some startups, and so manyof them struggled and struggled
and struggled, but now, the onehe's in, it's thriving. Why?
Well, in my assessment of it,when I look at him, why is he
thriving now? Well, he's a manof deep prayer. He works hard.
He always stays faithful to theLord, and He was patient through
(16:18):
the ups and the downs, andeventually the market was right.
The connections aligned, thethings clicked. Was it? Was it a
little lock? I mean, maybe, butwas he ready? Yes, and it took
years. He didn't chaseshortcuts. He steadily, slowly
(16:41):
built 20 years and suddenly he'san overnight success.
So work hard at the rightthings.
You know, even those, thosepeople buying $150 in lottery
tickets every month, they areworking hard. They're just
(17:01):
working hard on the wrong thing.
Let's work hard on the rightthings, pursuing the Lord daily,
being diligent, being prudent,using wisdom in our finances,
building the right habits overtime, then one day, 20 years go
by and boom, overnight success.
(17:24):
So don't fall for the scam.
Don't fall for get rich quick.
Don't fall for the magic system.
Don't fall for the hot stocktip. Don't fall for the crypto
hype, the perfect side hustle.
Don't fall for the shovelsalesman. Don't buy shovels.
Build plan, be faithful, stickwith it and trust the Lord. Then
(17:47):
slow and steady, little bylittle, through the Lord's
faithfulness, you'll reachsuccess. So I hope this has been
helpful. I really, I pray thishas been helpful. If something I
said encourages you, awesome. Ifmaybe there's something I said
that you think might encouragesomeone else, share it with
(18:09):
them.
Please. Thank you for joining metoday. God bless you.
Thank you for listening toCatholic money talk. I hope you
join us again next time, pleaseclick Subscribe on your podcast
(18:31):
app to get notified of newepisodes. God bless you and have
a great day. Foreign you.
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