February 24, 2025 • 23 mins
In this episode, we’re diving deep into the C12 tri-value model again, focusing on economic, team, and spiritual values to help you build a financial legacy that truly matters.
We break down budgeting in a way that empowers rather than restricts, taking inspiration from thought leaders like Dave Ramsey and Howard Dayton to give you practical steps toward financial freedom. Plus, we share real-life stories that highlight the importance of financial stewardship and passing down lasting values to the next generation.
In today’s consumer-driven world, financial pressure makes it easy to feel overwhelmed. But with the right mindset and tools, you can take control of your finances, protect your future, and align your money with your mission.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:10):
all right, benji brady, welcome back in.
We are episode 21, part two ofour milestone.
Speaker 2 (00:20):
We just finished 20 yeah, is that?
Considered a milestone adamwell, it is they.
Speaker 1 (00:25):
You know, what we really want to get to is 100.
You know they say less than uh.
Like 10 percent of podcastersever make it to 100 episodes.
Speaker 3 (00:33):
So we got we got a ways to go so, if we listen,
don't put a goal out there,we're gonna try to hit it now
that's.
Speaker 2 (00:39):
That's three years from now.
Speaker 1 (00:40):
I was gonna say we know how brady is a goal, so if
we put it in writing, it has tohappen.
Speaker 2 (00:46):
Oh it's going to happen.
How about we get to 50 first?
Speaker 3 (00:50):
How about we get to 30 first?
Speaker 1 (00:52):
Yeah, hey, look getting to 20 has been awesome
because it took Benji and I awhile during season one to hit
10.
So you were the missing element, Brady.
You got us to 20 quick.
Speaker 3 (01:03):
What can I say?
So you were the missing element, Brady.
You got us to 20 quick.
What can I say?
You know what.
Speaker 1 (01:07):
Tell our listeners to go back and listen.
It's all the goal setting thatwe talked about.
Speaker 2 (01:11):
Yeah, matter of fact, abundance versus scarcity has
had over 800 streams already.
Really, it's the largest one sofar.
I want to tell you guys.
You know we say this on eachepisode, but thank you so much
for listening.
I was actually in Florida at aboard meeting.
I'm on at a foundationnonprofit and someone told me
down there they're like, hey,you have a podcast, don't you?
(01:32):
I was like yeah, you know,how'd you hear about it?
He said this guy introduced meto it and I was like I've never
met this guy before.
So just thank you guys forlistening, appreciate you all
tuning in each week and commentswe're getting on social and web
and whatever.
Just thank you guys so much.
We really appreciate it.
Speaker 1 (01:48):
You know it's funny.
Think about it.
What was it?
Five years ago, brady?
You recorded a podcast when wewere doing some training videos,
when y'all were training othersurf pros OTOV CWAP.
Otov CWAP, right, and I toldyou.
I said, brady, like people lovelistening to your voice, you're
a podcaster and you're like, no, I'm not and then here you are
so I'm still, I'm still, I'mstill learning, still learning,
(02:11):
a long way to go well.
So, guys, we're picking up.
We got another two-part episode.
You know we did it, uh, before.
But uh, we get into talking, weget into some of these subjects
and they're great to kind ofcover, but we're talking about
financial purpose, leading withfinancial purpose, and so we
covered a pretty good amount ofthings last episode.
(02:32):
We knew that we were kind ofgetting into that longer mark so
we said, hey, let's divide itinto two more episodes.
But you talked about somethings.
One that I loved that youtalked about, you know, is the
tri-value model, right, and soyou kind of went over those
things with us and you know howyou take care of people
economically, how you take careof people with leadership, how
you take care of people withspiritual.
So talk a little bit more, justin case the listeners hopping
(02:55):
in.
Quick recap and let's jump intopart two.
Speaker 3 (02:59):
Yeah.
So I mean, I think you led thatwell, adam, just leading with
financial purpose, because itdoes take action.
We have to do take action.
So just a quick overview ofwhat we talked about last
episode.
We talked about the simplicity,making it simple but also
having it clear.
And then, once you have itsimple and clear, we want to be
(03:22):
intentional with what we'redoing.
So we talked about stewardshipas leadership.
So how are we stewarding thingsfor God's kingdom?
You know, we talked about thepersonal aspect of it, we talked
about the business aspect of it.
We did explore, like, somebiblical foundations.
I encourage you to go back andlisten to some of the details
(03:44):
there.
But yeah, you're right, thiswhole C12 tri-value model and we
kind of broke down.
We've talked about C12 a coupleof times, but it's three things
this economic value add.
So how are we adding economicvalue?
How are we adding team value?
And then how are we addingspiritual value?
And it's really all threethings.
So if you look at it, it's a,it's a, it's a triangle, um, and
(04:05):
all three, three of thosethings work together.
But where we, where we kind ofstarted was, you know it takes
we have to start with ourpersonal finances.
First, you know, and we talkedabout that that word that nobody
likes called budget.
You know, they think it's a badword, I think it's a maybe a
curse word or something.
You know, but at the core of it, once you, once you really
(04:27):
figure it out, it's not a, it'snot a restriction or it's not a
constriction, it's reallyfreedom it's you
know freedom to be able to,because once you have the plan
and once you have it down onpaper and it's it's in the box,
if you will, then you've gotfreedom to do whatever you want
to do inside that box.
So what we did is we kind ofoutlined that it gave you guys
(04:48):
some resources.
I'm not going to go throughthem in detail, but Dave Ramsey,
howard Dayton these are guysthat can help you with your
personal budget stuff.
We threw out a guy with areally weird last name, mike
Maklowicz, you know, but hewrote a book called Profit First
and if you've never read thatbook, it is, I'm talking about,
(05:09):
powerful in some of the concepts, not only with your business,
but it's powerful with yourpersonal stuff too.
Then we talked about a guy namedGreg Crabtree wrote a book
called Simple Numbers.
If you don't want to go back toschool and get an MBA, read
this book and it will give you avery broad overview of some
things that may help.
And then, from a personalstandpoint, how practically do
(05:31):
we live out having a personalbudget?
There are a lot of tools outthere and we just introduced a
tool called Teller MoneyFoundations.
It's a spreadsheet.
I'm a spreadsheet guy.
Speaker 1 (05:41):
That's an understatement.
Speaker 3 (05:43):
Well, there's all kinds of apps and stuff on the
phone, but this is yeah, there'sreally, there's actually.
Speaker 2 (05:48):
Dave ramsey has free budgeting apps.
Speaker 3 (05:51):
He does yeah yeah, so I mean they got stuff that
works on your iphone.
They got stuff probably workson your android, I don't know,
probably uh, probably, probablyyeah I was trying not to like
throw out the android peoplebecause we're some listening
here.
We love you guys.
Speaker 2 (06:06):
They probably have Spotify to versus Apple podcast.
Speaker 3 (06:12):
Well, yeah, but I'm just a spreadsheet person, so,
but here was the kind of the twocall to actions that we talked
about.
It doesn't really matter whatyou use, as long as you use
something that works for you.
Yeah, you may be the type ofperson that takes out a legal
pad and writes everything down.
If that's you, bless you, okay.
That's not me, all right, butif that's you, that's great.
(06:35):
Find something that works foryou and then aligning your
financial leadership withstewardship.
So aligning your financialleadership with stewardship.
So that's kind of a recap and itkind of gets us guys into today
yeah and what we, what we, whatwe want to try to do, is okay,
take the foundations that we'vealready built on, and then how
(06:55):
do we look at that into thefuture?
And the way that we do that isthrough legacy.
So we're building a foundationand we're we're turning it
Mm-hmm.
So if you think of 100 years, Imean, we're talking about
generations, generations ofpeople that you know, your great
(07:18):
, great, great, great, great,great maybe more greats
grandchildren.
What are they going to rememberabout what you're doing right
now?
And you've got an opportunityto kind of set that into motion.
So what do you guys, what doyou guys think about that?
I mean, I'll tell you realquick.
Speaker 2 (07:33):
Adam is again that foundation that I told you a
part of, on part of the IsaacsonFoundation.
They have a ministry calledEmpower Ministry and they
obviously want to exactly whatyou're talking about Leave a
legacy of giving back to thefuture.
What is the future of our let'sjust say churches, of our
ministries, or our, it could beany giving 501 C3, does not
(07:56):
matter Right, whatever thatlooks like, there are currently
sitting in donor advised fundstwo trillion dollars sitting
there waiting to be spent.
You know.
So people are giving to yourpoint.
How do you leave a legacyfinancially?
You have to have a profitablebusiness, as you said, brady.
You have to have a profitablebusiness so that, when you do
(08:17):
decide to sell your company oneday or whatever, you have enough
funds to be able to not onlytake care of you and your family
and whatever that might looklike, but also to be able to
give towards the future.
Speaker 1 (08:30):
Yeah Well, I feel like any of our listeners that
have never really met you guysor know you personally, they may
not know just how often the twoof y'all talk about legacy.
I mean, from the first day thatI've walked through the doors
with you guys and known y'all,like you always talk about what
legacy are we leaving of what wedo and who you are, and
(08:58):
especially with what you'reteaching your teams and teaching
?
Everybody is just remindingthem like hey, what kind of
legacy are you leaving behind?
What are you doing?
And whether that's financiallyor whether that's just through
how you serve your community orhow you raise your family, what
legacy are you leaving?
Because really, at the end ofthe day, sometimes that's all we
have.
Like, what can you leave behindfor someone?
I think about that all the time,even with our own daughters,
(09:20):
with how we handle things, howwe respond to things.
What are they learning rightnow that they're going to take
on with their own kids and, likeyou said, passing down
generation to generation, and sothat's something to always
think about, especially when itcomes to financial stewardship.
We're going through that rightnow with Addie trying to get her
to understand the value of adollar.
(09:42):
She's always like Dad, let's goout to eat, dad, let's do this.
And Emily and I are likeAddison that costs money, and so
you have to understand thesethings, so that way we can do
this.
We're trying to just navigateour way through that right now
with our youngest.
Speaker 2 (09:59):
Well, adam, to your point.
People don't realize.
We've talked about this beforethe dash.
One day, when we pass, there'sgoing to be that dash.
What did you do with that?
dash on your tombstone and Ithink a lot of people.
Society today is obviously muchdifferent than it was 20 years
ago.
People are so involved in I gotto have this now.
(10:19):
I want this now, not I needthis, I want this now.
And to Brady's point, goingback to budgeting budgeting
helps you figure that out, tokeep you in line, you know with,
with exactly you, what you havecoming in and what you have
going out and what's left over,because what's left over is
where the legacy comes into play.
Speaker 1 (10:40):
Yeah, Well, and I'll share with y'all real quick.
Oh, go ahead.
Speaker 3 (10:43):
I was going to say I was just going to say yeah, no,
all I was going to say is, youknow, in Proverbs it says that a
wise man leaves an inheritancefor his children's children.
You know, and while we do thinkabout that from a financial
aspect which I think a lot oftimes it is, but it's more than
(11:03):
financial, it's like a mindset,and, you know, I think at the
heart of it.
You know, the heart of it ismoney, and that's where it
starts, because it starts withOK, what kind of mindset do we
have?
And then that leads to, youknow, to so many different
things.
Speaker 1 (11:23):
Yeah, you know, in a story it kind of doesn't deal
with financial, but we had backin Thanksgiving.
Gracie had to.
She had to color this crazylooking little turkey, right,
and there was a competition atschool, like they were sharing
them on on their Facebook page.
And Gracie had to.
She had to color thiscrazy-looking little turkey,
right, and there was acompetition at school, like they
were sharing them on theirFacebook page.
Whoever got the most shares,likes.
(11:43):
She only could use, like, whatshe had, right, she only used
what she had.
You know we didn't go out andget anything extra and that was
kind of the challenge.
Like, use what you have at home, use these things.
Take the sheet If you just wantto color, color If you want to,
you know, take coloring.
You know, if you want to takepaper that you find or you want
to take anything that you can do, design it, put it on there and
(12:03):
use it.
And that's all she did withthat.
And it was funny during thatsame time we were getting ready
to go on a youth trip and Irented all this equipment.
I was like, man, I need this.
This will make the trip better,like it'll make the video
better.
And what was funny is I sharedwith Emily.
I was like you know, I went andwe rented this equipment.
We did all these things andthere's this camera that I
(12:25):
really want to get.
That, I think, will justimprove my quality or improve my
work.
And it was funny.
Watching Gracie use what shehad on that little coloring
sheet made me realize everythingI have I need.
Like I don't need the expensivecamera, I don't need these
pieces, and that's something I'meven trying to teach our young
photographers at the church now.
(12:45):
Like guys, you don't need whatculture is telling you.
Like, oh, if you just have thenewest camera with AI and all
this stuff, I'm like, take whatyou have and create something
with it.
Speaker 3 (12:56):
Get good at it, yeah.
Speaker 1 (12:58):
And see what you can do.
It's the same thing with yourfinancial Use what you have
right now.
You don't need to put yourselfinto something more or have debt
.
And it was just funny.
It was something so small, aswatching Gracie with a coloring
sheet made me realize I'm likeokay, I don't need that
expensive camera, I don't needthese things.
(13:18):
I can create quality contentthat captures our church, that
captures our youth doing whatthey do with what I already have
, and I think that's evensomething.
But, like you said, benji, justculture teaches us you need to
have the next best thing.
What is it?
Keep it up with the Joneses,right.
Speaker 3 (13:34):
Having those things.
Speaker 1 (13:35):
And that doesn't always the case, especially with
financial stewardship.
Speaker 3 (13:40):
Well, adam, I didn't know until just now that there
was a camera out there with AI.
So as soon as we get done withthis episode, I'm gonna go look
into it.
But just kind of rounding out,this one section on generosity
is think about this, okay.
This one section on generosityis you know, think about this.
Okay, no-transcript, all right.
(14:01):
So think about excess in yourown personal finances.
Think about excess in yourbusiness finances, profit, okay.
So you, you can't be generous ifyou don't, if you know, if you
don't have a plan to to begenerous and have excess to be
able to give.
The only way that you can dothat is to be able to to plan
(14:22):
your finances, which is what wetalked about last time.
But, uh, a lot of ways we dothis.
We talk about goals, we talkabout targets we were talking
about that before we got on theshow today but set some
generosity goals.
I mean, if we set goals inother aspects of our life, set
some generosity goals.
Do you have more that you wantto give to your local church
(14:45):
body?
Do you have other ministriesand nonprofits that you want to
give to your local church body?
Do you have other ministriesand nonprofits that you want to
give to.
Do you have a legacy plan that,when some things come to
fruition, do you already have aplan of what to do?
You know we haven't even talkedabout like estate planning or
anything like that or anythinglike that, but you know wills
(15:07):
and trust and things like that.
Is it already set up so that ifsomething were to happen to you
, that it's all in place andyour family knows you know what
your, what your legacy of givingis um going to be?
So you know just some practicalapplication there of just plan
for generosity and what and whatthat planning will do.
Is that will help you go backto the last step that we talked
(15:28):
about and help with thatbudgeting and um and and get
that foundation really set.
Speaker 2 (15:35):
Yeah, that may be people on listening.
You know they're like well, Idon't own a business, I don't
need to listen.
You know, listen to you.
You know that's absolutelyincorrect.
You, you can do, like Adam said, with exactly what you have
where you're at right now andstill accomplish the same thing.
Because if you're putting backfor that week you've heard the
old saying, put back for a rainyday, then hey, you've got the
(15:59):
funds.
If something happens, you'reable to take care of it and you
can take care of your family,your significant other, whatever
that may be, without therebeing an extra burden.
Because, like Dave Ramsey says,credit cards are for the birds.
You know, I know people usethem for travel points and hotel
points and all this other stuff.
Yeah, as long as you pay thebill every month.
(16:19):
That's the key.
You got to pay it off everymonth.
You know you can't just keepcontinuing having a credit
problem.
So, use what you have whereyou're at and don't overdo it.
Use that budget to youradvantage.
Speaker 1 (16:29):
Well, you said it.
Everybody thinks budget's a badword until it saves them, right
.
Speaker 3 (16:33):
That's right, that's right.
Speaker 1 (16:35):
It's like you think about it.
You're like, oh, we're onbudget, I don't want to do that.
And then the time comes whenyou have, you need it, right,
Like something happens youdidn't account for.
But if you hadn't budgeted anddone those things, you're like,
well, we'd be in a deeper holeif we hadn't done it.
So I just I think everybodysees that as a negative.
Negative until it saves them.
Yeah, for sure.
Speaker 3 (16:56):
So, guys, just kind of as we we wrap up this subject
, um, just to to recap somethings that we've talked about,
and this will be kind of a recapof both episodes.
But number one, stewardshipinvolves managing God's
resources with purpose andintegrity, so you have to be
purposeful in what you're doing.
(17:17):
Secondly is simplicity andclarity create financial peace.
Now, if you've ever listened toDave Ramsey, he says those two
words don't go together.
Yeah, financial peace.
Now, if you've ever listened toDave Ramsey, he says those two
words don't go together yeah,financial peace, financial peace
those two words don't gotogether.
Speaker 1 (17:33):
But I feel like I'm always stressing about money,
always yeah.
Speaker 3 (17:36):
I mean just it's a and it's a real thing.
I mean especially in today'ssociety when there's so many
things.
I mean think about theconsumerism and just all these
things coming at you If you'reon Instagram or TikTok which I'm
not on TikTok, so I don't knowhow that one works.
Speaker 2 (17:50):
Don't get started, Brady Don't get started.
Speaker 1 (17:52):
Okay, all right, you'll go down a hole.
Speaker 3 (17:54):
I almost created an account the other day.
No, I'm just kidding, but we gotthese things that are coming at
us and If we don't have a plan,then we might be tempted to say
yes to something when we reallyshould say no to it because
we've already said yes tosomething else which is in our
budget.
And then think about the C12tri-value model, where the
(18:15):
economic value, the team valueand then the spiritual value,
and, like Benji said, it doesn'tnecessarily you may not own a
business, that's okay.
You said it doesn't necessarilyyou may not own a business,
that's okay.
But in your own life or in yourown circle of influence or
circle of friends, are you ableto provide that tri-value model
to the people that are aroundyou?
(18:36):
So maybe just one thing to thinkabout this week is you're
contemplating some of theseprinciples of you know,
specifically on the tri-valuemodel, you know which one needs
more of your focus in this nextseason of your life, related to
how you lead and, like I said,not just your business, but
(18:58):
maybe in your personal life.
And then we talked about this,I think, on a couple episodes
before, but take the time andwrite down some actionable steps
, like, hey, you know what I'mgoing to do this this week or
this quarter I'm really going tofocus on.
I'm going to get my personalbudget in place and you know
(19:19):
I've helped many people over theyears.
Even start that process, andthe key there is just start.
Speaker 2 (19:27):
Yeah, just start.
Yeah, you know know, the first30 days is going to be terrible.
That's.
Speaker 1 (19:29):
the hardest thing to do is just just start, yeah, and
that's with anything I mean notjust financial, I mean anything
the hardest step is just takingthe first one, because once you
, because it's tough and thenonce you get that rolling, I
think you'll start seeing likeall right, well, we've done the
first step, we've gotten pastthe awkward stage making that
first step, and then you canbuild from there.
Speaker 3 (19:50):
Yeah.
So, guys, any final thoughtsrelated to that?
I mean, that's kind of a placeto finish is to just start.
Yeah, I mean honestly.
Speaker 2 (20:00):
You said it right that you know you got to start.
Budgeting is the key, whetherthat's in your business, in your
personal life or whatever.
Again, you've mentioned all thetools out there available.
Don't spend more than you have.
Again, going back to the creditcard model, and I think you
know for our listeners out there, adam said it best, brady said
(20:23):
it best Just start somewhereYou've got to start.
Speaker 1 (20:26):
Yeah, I think the biggest thing for me, especially
being in a different place thanthe two of you you all have a
large business that you own.
You have a lot of employeesunder.
I'm not in that role, but Ifeel like for me and any of our
listeners that may be where I'mat take that tribe value model
and how can I present that withmy family?
(20:47):
Like, right, so okay, with withEmily and I and the girls, how
do we provide some economicvalue for the four of us?
Right, how do I do that?
Our team is not.
You know you can take that wordand I feel like change it.
It's not team value for us,it's family value.
So how?
that's, that's so good adam yeah, how can I take that with her
and I?
(21:07):
You know, like I said, in thismoment now where we're trying to
teach the girls, especially nowmore than ever, I feel like my,
my mom and dad did a reallygood job training us, but
financial wasn't as big of athing when I was kids as it is
now right like yeah, where we'reat.
Speaker 2 (21:22):
So I want to make sure, even if it was, they
didn't talk about it.
Oh no at.
So I want to make sure, even ifit was, they didn't talk about
it, oh no no, a hundred percent.
Speaker 1 (21:28):
So I want to make sure they're in that.
And then also, how do weprovide a spiritual for the
girls as well?
So that's something I wasthinking through as you were
talking about that, brady.
It's like, well, I'm not in aplace where I have a business
and maybe there's somebodythat's listening, that's in that
same place that we are.
Okay.
Well, where?
What is my circle of influenceright now?
Well, my circle of influencemay not be employees, but it's
(21:51):
it's it's our family, and tolead them with financial
stewardship.
So we can do that.
So but yeah, lord, I took itfor me being part of it, took a
ton from it, and think this willbe good for us to kind of
implement.
We have our own system.
Emily's great at finances Imean, I've always joked, she's
like you, brady and she's ourfinancial person.
She helps keep us on track, andso I feel like this is great
(22:14):
for me to kind of take fromthese two episodes.
Speaker 3 (22:15):
Well, Adam, if you need some personal coaching, I'd
be glad to do that with you.
Speaker 1 (22:21):
I get it from her all the time, so she's coaching me
plenty as we wrap up the episode.
Speaker 2 (22:27):
guys, if listeners, if you want more information on
C12, feel free to reach out tous.
You can always Google C12 andthere's a.
There's a chapter near you.
Maybe you can get plugged inthere.
We'd love to help be a resourcefor you there as well.
We're going to put some shownotes in with some links, maybe
a budgeting plan or whatever, tohelp you.
At the end of the day, likewe've said a hundred times, this
episode just start somewhere.
(22:48):
But again, thank you guys, somuch for listening.
We can't thank you enough Ifyou want to connect with us on
Instagram, tiktok, youtube youknow all that If you watch us on
YouTube.
Thank you so much for watchingus, but until next time, go out
and choose to live a higher uplife.
all right, benji brady, welcome back in.
We are episode 21, part two ofour milestone.
Speaker 2 (00:20):
We just finished 20 yeah, is that?
Considered a milestone adamwell, it is they.
Speaker 1 (00:25):
You know, what we really want to get to is 100.
You know they say less than uh.
Like 10 percent of podcastersever make it to 100 episodes.
Speaker 3 (00:33):
So we got we got a ways to go so, if we listen,
don't put a goal out there,we're gonna try to hit it now
that's.
Speaker 2 (00:39):
That's three years from now.
Speaker 1 (00:40):
I was gonna say we know how brady is a goal, so if
we put it in writing, it has tohappen.
Speaker 2 (00:46):
Oh it's going to happen.
How about we get to 50 first?
Speaker 3 (00:50):
How about we get to 30 first?
Speaker 1 (00:52):
Yeah, hey, look getting to 20 has been awesome
because it took Benji and I awhile during season one to hit
10.
So you were the missing element, Brady.
You got us to 20 quick.
Speaker 3 (01:03):
What can I say?
So you were the missing element, Brady.
You got us to 20 quick.
What can I say?
You know what.
Speaker 1 (01:07):
Tell our listeners to go back and listen.
It's all the goal setting thatwe talked about.
Speaker 2 (01:11):
Yeah, matter of fact, abundance versus scarcity has
had over 800 streams already.
Really, it's the largest one sofar.
I want to tell you guys.
You know we say this on eachepisode, but thank you so much
for listening.
I was actually in Florida at aboard meeting.
I'm on at a foundationnonprofit and someone told me
down there they're like, hey,you have a podcast, don't you?
(01:32):
I was like yeah, you know,how'd you hear about it?
He said this guy introduced meto it and I was like I've never
met this guy before.
So just thank you guys forlistening, appreciate you all
tuning in each week and commentswe're getting on social and web
and whatever.
Just thank you guys so much.
We really appreciate it.
Speaker 1 (01:48):
You know it's funny.
Think about it.
What was it?
Five years ago, brady?
You recorded a podcast when wewere doing some training videos,
when y'all were training othersurf pros OTOV CWAP.
Otov CWAP, right, and I toldyou.
I said, brady, like people lovelistening to your voice, you're
a podcaster and you're like, no, I'm not and then here you are
so I'm still, I'm still, I'mstill learning, still learning,
(02:11):
a long way to go well.
So, guys, we're picking up.
We got another two-part episode.
You know we did it, uh, before.
But uh, we get into talking, weget into some of these subjects
and they're great to kind ofcover, but we're talking about
financial purpose, leading withfinancial purpose, and so we
covered a pretty good amount ofthings last episode.
(02:32):
We knew that we were kind ofgetting into that longer mark so
we said, hey, let's divide itinto two more episodes.
But you talked about somethings.
One that I loved that youtalked about, you know, is the
tri-value model, right, and soyou kind of went over those
things with us and you know howyou take care of people
economically, how you take careof people with leadership, how
you take care of people withspiritual.
So talk a little bit more, justin case the listeners hopping
(02:55):
in.
Quick recap and let's jump intopart two.
Speaker 3 (02:59):
Yeah.
So I mean, I think you led thatwell, adam, just leading with
financial purpose, because itdoes take action.
We have to do take action.
So just a quick overview ofwhat we talked about last
episode.
We talked about the simplicity,making it simple but also
having it clear.
And then, once you have itsimple and clear, we want to be
(03:22):
intentional with what we'redoing.
So we talked about stewardshipas leadership.
So how are we stewarding thingsfor God's kingdom?
You know, we talked about thepersonal aspect of it, we talked
about the business aspect of it.
We did explore, like, somebiblical foundations.
I encourage you to go back andlisten to some of the details
(03:44):
there.
But yeah, you're right, thiswhole C12 tri-value model and we
kind of broke down.
We've talked about C12 a coupleof times, but it's three things
this economic value add.
So how are we adding economicvalue?
How are we adding team value?
And then how are we addingspiritual value?
And it's really all threethings.
So if you look at it, it's a,it's a, it's a triangle, um, and
(04:05):
all three, three of thosethings work together.
But where we, where we kind ofstarted was, you know it takes
we have to start with ourpersonal finances.
First, you know, and we talkedabout that that word that nobody
likes called budget.
You know, they think it's a badword, I think it's a maybe a
curse word or something.
You know, but at the core of it, once you, once you really
(04:27):
figure it out, it's not a, it'snot a restriction or it's not a
constriction, it's reallyfreedom it's you
know freedom to be able to,because once you have the plan
and once you have it down onpaper and it's it's in the box,
if you will, then you've gotfreedom to do whatever you want
to do inside that box.
So what we did is we kind ofoutlined that it gave you guys
(04:48):
some resources.
I'm not going to go throughthem in detail, but Dave Ramsey,
howard Dayton these are guysthat can help you with your
personal budget stuff.
We threw out a guy with areally weird last name, mike
Maklowicz, you know, but hewrote a book called Profit First
and if you've never read thatbook, it is, I'm talking about,
(05:09):
powerful in some of the concepts, not only with your business,
but it's powerful with yourpersonal stuff too.
Then we talked about a guy namedGreg Crabtree wrote a book
called Simple Numbers.
If you don't want to go back toschool and get an MBA, read
this book and it will give you avery broad overview of some
things that may help.
And then, from a personalstandpoint, how practically do
(05:31):
we live out having a personalbudget?
There are a lot of tools outthere and we just introduced a
tool called Teller MoneyFoundations.
It's a spreadsheet.
I'm a spreadsheet guy.
Speaker 1 (05:41):
That's an understatement.
Speaker 3 (05:43):
Well, there's all kinds of apps and stuff on the
phone, but this is yeah, there'sreally, there's actually.
Speaker 2 (05:48):
Dave ramsey has free budgeting apps.
Speaker 3 (05:51):
He does yeah yeah, so I mean they got stuff that
works on your iphone.
They got stuff probably workson your android, I don't know,
probably uh, probably, probablyyeah I was trying not to like
throw out the android peoplebecause we're some listening
here.
We love you guys.
Speaker 2 (06:06):
They probably have Spotify to versus Apple podcast.
Speaker 3 (06:12):
Well, yeah, but I'm just a spreadsheet person, so,
but here was the kind of the twocall to actions that we talked
about.
It doesn't really matter whatyou use, as long as you use
something that works for you.
Yeah, you may be the type ofperson that takes out a legal
pad and writes everything down.
If that's you, bless you, okay.
That's not me, all right, butif that's you, that's great.
(06:35):
Find something that works foryou and then aligning your
financial leadership withstewardship.
So aligning your financialleadership with stewardship.
So that's kind of a recap and itkind of gets us guys into today
yeah and what we, what we, whatwe want to try to do, is okay,
take the foundations that we'vealready built on, and then how
(06:55):
do we look at that into thefuture?
And the way that we do that isthrough legacy.
So we're building a foundationand we're we're turning it
Mm-hmm.
So if you think of 100 years, Imean, we're talking about
generations, generations ofpeople that you know, your great
(07:18):
, great, great, great, great,great maybe more greats
grandchildren.
What are they going to rememberabout what you're doing right
now?
And you've got an opportunityto kind of set that into motion.
So what do you guys, what doyou guys think about that?
I mean, I'll tell you realquick.
Speaker 2 (07:33):
Adam is again that foundation that I told you a
part of, on part of the IsaacsonFoundation.
They have a ministry calledEmpower Ministry and they
obviously want to exactly whatyou're talking about Leave a
legacy of giving back to thefuture.
What is the future of our let'sjust say churches, of our
ministries, or our, it could beany giving 501 C3, does not
(07:56):
matter Right, whatever thatlooks like, there are currently
sitting in donor advised fundstwo trillion dollars sitting
there waiting to be spent.
You know.
So people are giving to yourpoint.
How do you leave a legacyfinancially?
You have to have a profitablebusiness, as you said, brady.
You have to have a profitablebusiness so that, when you do
(08:17):
decide to sell your company oneday or whatever, you have enough
funds to be able to not onlytake care of you and your family
and whatever that might looklike, but also to be able to
give towards the future.
Speaker 1 (08:30):
Yeah Well, I feel like any of our listeners that
have never really met you guysor know you personally, they may
not know just how often the twoof y'all talk about legacy.
I mean, from the first day thatI've walked through the doors
with you guys and known y'all,like you always talk about what
legacy are we leaving of what wedo and who you are, and
(08:58):
especially with what you'reteaching your teams and teaching
?
Everybody is just remindingthem like hey, what kind of
legacy are you leaving behind?
What are you doing?
And whether that's financiallyor whether that's just through
how you serve your community orhow you raise your family, what
legacy are you leaving?
Because really, at the end ofthe day, sometimes that's all we
have.
Like, what can you leave behindfor someone?
I think about that all the time,even with our own daughters,
(09:20):
with how we handle things, howwe respond to things.
What are they learning rightnow that they're going to take
on with their own kids and, likeyou said, passing down
generation to generation, and sothat's something to always
think about, especially when itcomes to financial stewardship.
We're going through that rightnow with Addie trying to get her
to understand the value of adollar.
(09:42):
She's always like Dad, let's goout to eat, dad, let's do this.
And Emily and I are likeAddison that costs money, and so
you have to understand thesethings, so that way we can do
this.
We're trying to just navigateour way through that right now
with our youngest.
Speaker 2 (09:59):
Well, adam, to your point.
People don't realize.
We've talked about this beforethe dash.
One day, when we pass, there'sgoing to be that dash.
What did you do with that?
dash on your tombstone and Ithink a lot of people.
Society today is obviously muchdifferent than it was 20 years
ago.
People are so involved in I gotto have this now.
(10:19):
I want this now, not I needthis, I want this now.
And to Brady's point, goingback to budgeting budgeting
helps you figure that out, tokeep you in line, you know with,
with exactly you, what you havecoming in and what you have
going out and what's left over,because what's left over is
where the legacy comes into play.
Speaker 1 (10:40):
Yeah, Well, and I'll share with y'all real quick.
Oh, go ahead.
Speaker 3 (10:43):
I was going to say I was just going to say yeah, no,
all I was going to say is, youknow, in Proverbs it says that a
wise man leaves an inheritancefor his children's children.
You know, and while we do thinkabout that from a financial
aspect which I think a lot oftimes it is, but it's more than
(11:03):
financial, it's like a mindset,and, you know, I think at the
heart of it.
You know, the heart of it ismoney, and that's where it
starts, because it starts withOK, what kind of mindset do we
have?
And then that leads to, youknow, to so many different
things.
Speaker 1 (11:23):
Yeah, you know, in a story it kind of doesn't deal
with financial, but we had backin Thanksgiving.
Gracie had to.
She had to color this crazylooking little turkey, right,
and there was a competition atschool, like they were sharing
them on on their Facebook page.
And Gracie had to.
She had to color thiscrazy-looking little turkey,
right, and there was acompetition at school, like they
were sharing them on theirFacebook page.
Whoever got the most shares,likes.
(11:43):
She only could use, like, whatshe had, right, she only used
what she had.
You know we didn't go out andget anything extra and that was
kind of the challenge.
Like, use what you have at home, use these things.
Take the sheet If you just wantto color, color If you want to,
you know, take coloring.
You know, if you want to takepaper that you find or you want
to take anything that you can do, design it, put it on there and
(12:03):
use it.
And that's all she did withthat.
And it was funny during thatsame time we were getting ready
to go on a youth trip and Irented all this equipment.
I was like, man, I need this.
This will make the trip better,like it'll make the video
better.
And what was funny is I sharedwith Emily.
I was like you know, I went andwe rented this equipment.
We did all these things andthere's this camera that I
(12:25):
really want to get.
That, I think, will justimprove my quality or improve my
work.
And it was funny.
Watching Gracie use what shehad on that little coloring
sheet made me realize everythingI have I need.
Like I don't need the expensivecamera, I don't need these
pieces, and that's something I'meven trying to teach our young
photographers at the church now.
(12:45):
Like guys, you don't need whatculture is telling you.
Like, oh, if you just have thenewest camera with AI and all
this stuff, I'm like, take whatyou have and create something
with it.
Speaker 3 (12:56):
Get good at it, yeah.
Speaker 1 (12:58):
And see what you can do.
It's the same thing with yourfinancial Use what you have
right now.
You don't need to put yourselfinto something more or have debt
.
And it was just funny.
It was something so small, aswatching Gracie with a coloring
sheet made me realize I'm likeokay, I don't need that
expensive camera, I don't needthese things.
(13:18):
I can create quality contentthat captures our church, that
captures our youth doing whatthey do with what I already have
, and I think that's evensomething.
But, like you said, benji, justculture teaches us you need to
have the next best thing.
What is it?
Keep it up with the Joneses,right.
Speaker 3 (13:34):
Having those things.
Speaker 1 (13:35):
And that doesn't always the case, especially with
financial stewardship.
Speaker 3 (13:40):
Well, adam, I didn't know until just now that there
was a camera out there with AI.
So as soon as we get done withthis episode, I'm gonna go look
into it.
But just kind of rounding out,this one section on generosity
is think about this, okay.
This one section on generosityis you know, think about this.
Okay, no-transcript, all right.
(14:01):
So think about excess in yourown personal finances.
Think about excess in yourbusiness finances, profit, okay.
So you, you can't be generous ifyou don't, if you know, if you
don't have a plan to to begenerous and have excess to be
able to give.
The only way that you can dothat is to be able to to plan
(14:22):
your finances, which is what wetalked about last time.
But, uh, a lot of ways we dothis.
We talk about goals, we talkabout targets we were talking
about that before we got on theshow today but set some
generosity goals.
I mean, if we set goals inother aspects of our life, set
some generosity goals.
Do you have more that you wantto give to your local church
(14:45):
body?
Do you have other ministriesand nonprofits that you want to
give to your local church body?
Do you have other ministriesand nonprofits that you want to
give to.
Do you have a legacy plan that,when some things come to
fruition, do you already have aplan of what to do?
You know we haven't even talkedabout like estate planning or
anything like that or anythinglike that, but you know wills
(15:07):
and trust and things like that.
Is it already set up so that ifsomething were to happen to you
, that it's all in place andyour family knows you know what
your, what your legacy of givingis um going to be?
So you know just some practicalapplication there of just plan
for generosity and what and whatthat planning will do.
Is that will help you go backto the last step that we talked
(15:28):
about and help with thatbudgeting and um and and get
that foundation really set.
Speaker 2 (15:35):
Yeah, that may be people on listening.
You know they're like well, Idon't own a business, I don't
need to listen.
You know, listen to you.
You know that's absolutelyincorrect.
You, you can do, like Adam said, with exactly what you have
where you're at right now andstill accomplish the same thing.
Because if you're putting backfor that week you've heard the
old saying, put back for a rainyday, then hey, you've got the
(15:59):
funds.
If something happens, you'reable to take care of it and you
can take care of your family,your significant other, whatever
that may be, without therebeing an extra burden.
Because, like Dave Ramsey says,credit cards are for the birds.
You know, I know people usethem for travel points and hotel
points and all this other stuff.
Yeah, as long as you pay thebill every month.
(16:19):
That's the key.
You got to pay it off everymonth.
You know you can't just keepcontinuing having a credit
problem.
So, use what you have whereyou're at and don't overdo it.
Use that budget to youradvantage.
Speaker 1 (16:29):
Well, you said it.
Everybody thinks budget's a badword until it saves them, right
.
Speaker 3 (16:33):
That's right, that's right.
Speaker 1 (16:35):
It's like you think about it.
You're like, oh, we're onbudget, I don't want to do that.
And then the time comes whenyou have, you need it, right,
Like something happens youdidn't account for.
But if you hadn't budgeted anddone those things, you're like,
well, we'd be in a deeper holeif we hadn't done it.
So I just I think everybodysees that as a negative.
Negative until it saves them.
Yeah, for sure.
Speaker 3 (16:56):
So, guys, just kind of as we we wrap up this subject
, um, just to to recap somethings that we've talked about,
and this will be kind of a recapof both episodes.
But number one, stewardshipinvolves managing God's
resources with purpose andintegrity, so you have to be
purposeful in what you're doing.
(17:17):
Secondly is simplicity andclarity create financial peace.
Now, if you've ever listened toDave Ramsey, he says those two
words don't go together.
Yeah, financial peace.
Now, if you've ever listened toDave Ramsey, he says those two
words don't go together yeah,financial peace, financial peace
those two words don't gotogether.
Speaker 1 (17:33):
But I feel like I'm always stressing about money,
always yeah.
Speaker 3 (17:36):
I mean just it's a and it's a real thing.
I mean especially in today'ssociety when there's so many
things.
I mean think about theconsumerism and just all these
things coming at you If you'reon Instagram or TikTok which I'm
not on TikTok, so I don't knowhow that one works.
Speaker 2 (17:50):
Don't get started, Brady Don't get started.
Speaker 1 (17:52):
Okay, all right, you'll go down a hole.
Speaker 3 (17:54):
I almost created an account the other day.
No, I'm just kidding, but we gotthese things that are coming at
us and If we don't have a plan,then we might be tempted to say
yes to something when we reallyshould say no to it because
we've already said yes tosomething else which is in our
budget.
And then think about the C12tri-value model, where the
(18:15):
economic value, the team valueand then the spiritual value,
and, like Benji said, it doesn'tnecessarily you may not own a
business, that's okay.
You said it doesn't necessarilyyou may not own a business,
that's okay.
But in your own life or in yourown circle of influence or
circle of friends, are you ableto provide that tri-value model
to the people that are aroundyou?
(18:36):
So maybe just one thing to thinkabout this week is you're
contemplating some of theseprinciples of you know,
specifically on the tri-valuemodel, you know which one needs
more of your focus in this nextseason of your life, related to
how you lead and, like I said,not just your business, but
(18:58):
maybe in your personal life.
And then we talked about this,I think, on a couple episodes
before, but take the time andwrite down some actionable steps
, like, hey, you know what I'mgoing to do this this week or
this quarter I'm really going tofocus on.
I'm going to get my personalbudget in place and you know
(19:19):
I've helped many people over theyears.
Even start that process, andthe key there is just start.
Speaker 2 (19:27):
Yeah, just start.
Yeah, you know know, the first30 days is going to be terrible.
That's.
Speaker 1 (19:29):
the hardest thing to do is just just start, yeah, and
that's with anything I mean notjust financial, I mean anything
the hardest step is just takingthe first one, because once you
, because it's tough and thenonce you get that rolling, I
think you'll start seeing likeall right, well, we've done the
first step, we've gotten pastthe awkward stage making that
first step, and then you canbuild from there.
Speaker 3 (19:50):
Yeah.
So, guys, any final thoughtsrelated to that?
I mean, that's kind of a placeto finish is to just start.
Yeah, I mean honestly.
Speaker 2 (20:00):
You said it right that you know you got to start.
Budgeting is the key, whetherthat's in your business, in your
personal life or whatever.
Again, you've mentioned all thetools out there available.
Don't spend more than you have.
Again, going back to the creditcard model, and I think you
know for our listeners out there, adam said it best, brady said
(20:23):
it best Just start somewhereYou've got to start.
Speaker 1 (20:26):
Yeah, I think the biggest thing for me, especially
being in a different place thanthe two of you you all have a
large business that you own.
You have a lot of employeesunder.
I'm not in that role, but Ifeel like for me and any of our
listeners that may be where I'mat take that tribe value model
and how can I present that withmy family?
(20:47):
Like, right, so okay, with withEmily and I and the girls, how
do we provide some economicvalue for the four of us?
Right, how do I do that?
Our team is not.
You know you can take that wordand I feel like change it.
It's not team value for us,it's family value.
So how?
that's, that's so good adam yeah, how can I take that with her
and I?
(21:07):
You know, like I said, in thismoment now where we're trying to
teach the girls, especially nowmore than ever, I feel like my,
my mom and dad did a reallygood job training us, but
financial wasn't as big of athing when I was kids as it is
now right like yeah, where we'reat.
Speaker 2 (21:22):
So I want to make sure, even if it was, they
didn't talk about it.
Oh no at.
So I want to make sure, even ifit was, they didn't talk about
it, oh no no, a hundred percent.
Speaker 1 (21:28):
So I want to make sure they're in that.
And then also, how do weprovide a spiritual for the
girls as well?
So that's something I wasthinking through as you were
talking about that, brady.
It's like, well, I'm not in aplace where I have a business
and maybe there's somebodythat's listening, that's in that
same place that we are.
Okay.
Well, where?
What is my circle of influenceright now?
Well, my circle of influencemay not be employees, but it's
(21:51):
it's it's our family, and tolead them with financial
stewardship.
So we can do that.
So but yeah, lord, I took itfor me being part of it, took a
ton from it, and think this willbe good for us to kind of
implement.
We have our own system.
Emily's great at finances Imean, I've always joked, she's
like you, brady and she's ourfinancial person.
She helps keep us on track, andso I feel like this is great
(22:14):
for me to kind of take fromthese two episodes.
Speaker 3 (22:15):
Well, Adam, if you need some personal coaching, I'd
be glad to do that with you.
Speaker 1 (22:21):
I get it from her all the time, so she's coaching me
plenty as we wrap up the episode.
Speaker 2 (22:27):
guys, if listeners, if you want more information on
C12, feel free to reach out tous.
You can always Google C12 andthere's a.
There's a chapter near you.
Maybe you can get plugged inthere.
We'd love to help be a resourcefor you there as well.
We're going to put some shownotes in with some links, maybe
a budgeting plan or whatever, tohelp you.
At the end of the day, likewe've said a hundred times, this
episode just start somewhere.
(22:48):
But again, thank you guys, somuch for listening.
We can't thank you enough Ifyou want to connect with us on
Instagram, tiktok, youtube youknow all that If you watch us on
YouTube.
Thank you so much for watchingus, but until next time, go out
and choose to live a higher uplife.
Popular Podcasts
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Special Summer Offer: Exclusively on Apple Podcasts, try our Dateline Premium subscription completely free for one month! With Dateline Premium, you get every episode ad-free plus exclusive bonus content.
The Breakfast Club
The World's Most Dangerous Morning Show, The Breakfast Club, With DJ Envy, Jess Hilarious, And Charlamagne Tha God!
Crime Junkie
Does hearing about a true crime case always leave you scouring the internet for the truth behind the story? Dive into your next mystery with Crime Junkie. Every Monday, join your host Ashley Flowers as she unravels all the details of infamous and underreported true crime cases with her best friend Brit Prawat. From cold cases to missing persons and heroes in our community who seek justice, Crime Junkie is your destination for theories and stories you won’t hear anywhere else. Whether you're a seasoned true crime enthusiast or new to the genre, you'll find yourself on the edge of your seat awaiting a new episode every Monday. If you can never get enough true crime... Congratulations, you’ve found your people. Follow to join a community of Crime Junkies! Crime Junkie is presented by audiochuck Media Company.