August 1, 2024 • 27 mins
What if the key to financial freedom lies in the ancient wisdom of patience and self-control? Join Vanessa McNelley and Shay Cook, as we unveil the profound connection between faith, discipline, and financial success on Yahweh's Money. Through the lens of Hebrews 6:12, we explore how the principle of delayed gratification can transform your financial journey and spiritual growth. Sharing relatable examples and personal stories, we highlight how simple choices, like waiting for greater rewards, have led to significant long-term benefits in our lives—from shedding pounds to reprioritizing what truly matters.
In this enlightening episode, we delve into the power of sacrifice and self-discipline, drawing wisdom from the struggles and triumphs of past generations. Reflect on our anecdotes about paying off student loans, steering clear of credit card debt, and the crucial mindset shift required to shatter financial shackles. Learn how surrounding yourself with a supportive community can fortify your resolve and why small, intentional decisions can pave the way to financial freedom. Discover creative ways to save money, resist peer pressure, and set a positive example for future generations through wise decision-making. Don't miss this inspiring conversation that promises to leave you equipped and motivated to achieve your financial goals with purpose and patience.
💸⛪🕍📿💵
Our podcast is proudly sponsored by Crusaders for Change, LLC (C4C) and hosted by our CEO and Founder, Mrs. Shay Cook. At C4C, we provide customized corporate financial wellness programs for businesses, government agencies, and nonprofit organizations. Our services are tailored to create happier, healthier, and more productive work environments. We also empower individuals and couples to overcome debt, improve their credit, boost savings, and more. Ready to learn more about how C4C can impact your life? Contact us today at https://www.crusaders4change.org/!
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Shay (00:03):
Ever felt those awkward vibes when religion and money
come up?
You're not alone.
Welcome to Yahweh's Money, thepodcast where we tackle the
crossroads of faith and finance.
I'm Shay Cook, an AccreditedFinancial Counselor, and the CEO
and founder of Crusaders forChange LLC.
Vanessa (00:19):
And I'm Vanessa McNelley, Accredited Financial
Counselor and COO of Crusadersfor Change.
Join us on our journey as wediscuss topics like tithing
saving and conquering debtthrough religious perspectives.
Let's get started.
Shay (00:35):
Hey everyone, welcome back to another episode of Yahweh's
Money.
Hey, my co-host, Vanessa, howare you?
Vanessa (00:42):
I am good, Shay.
I'm excited about today's topicbecause you know it's one of my
favorites.
Shay (00:48):
Yeah, but it's not a lot of people's favorites.
Nope, that's okay, because welike talking about this stuff.
So today we're going to have alot of fun, vanessa and me,
because we're chatting aboutsomething very important that we
love sharing with our clients,but they don't like us when we
tell them.
But they need to hear it thecrucial link between discipline
and financial success.
(01:09):
So we'll be exploring oneparticular fundamental principle
delayed gratification, rightDelayed gratification.
In a world of instant rewards,mastering the art of waiting for
greater long-term benefits canbe challenging, yet immensely
rewarding.
(01:29):
So today we're going to uncoverstrategies to cultivate
patience, build resilience andachieve your financial goals
with discipline and purpose.
612 NIV says we do not want youto become lazy, but to imitate
(01:50):
those who, through faith andpatience, inherit what has been
promised.
So this verse teaches the valueof persistence, diligence and
the long-term rewards that comefrom exercising patience and
self-control in various aspectsof life, including financial
stewardship and spiritual growth.
Well, that's a lot People arelike what it is?
Vanessa (02:12):
It is, it is and please don't hate us for talking about
this everyone it's one of thosethings that we have to talk
about and it's so important inall aspects of our lives.
Shay (02:22):
I know, and you know I pulled out the scripture today,
as I do, hopefully, mostly day.
Most days I try to look at theword.
But the scripture notes forthis particular verse Hebrews 6,
12 said hope keeps theChristian or you can just say
person, if you're not aChristian from becoming lazy or
feeling bored.
Like an athlete, you train hardand run well, remembering the
(02:43):
reward that lies ahead.
So you know, having thisdelayed gratification, which
we're going to get deep intotoday, it's actually a good
thing, because there's usuallyan amazing reward on the other
side.
Vanessa (02:55):
Exactly, and it's you know.
It's so hard to see right nowand that's the whole point of
this is you can't see what'sgoing to happen later on.
Shay (03:03):
Hello, is that not fair Right?
Vanessa (03:05):
exactly, exactly right.
So it's so hard for most of usto say, okay, I'm going to give
up this good thing today forsomething amazing later, because
we have no idea when or whatthat amazing thing is going to
be.
And it's so, so hard.
This is something when I usedto teach classes and I would
give out prizes for, you know,playing little games, I would
(03:26):
always ask whoever won if theywanted instant gratification or
delayed gratification.
And if they wanted instant, Iwould give them, like like a fun
size candy bar.
But a lot of people wouldactually say, hmm, let's do
delayed.
And I was really shocked.
And I think it's because youknow it was just a, you know, a
quick little game, but at theend of the class, if they chose
(03:46):
that, they got a full size candybar.
So you know, delaying thatgratification got them.
You know, even though it wasjust a candy, it was something
way better than what they wouldhave gotten 45 minutes earlier.
So, choosing to delay it, youknow you're going to get
something that's not only goingto help you, probably, but other
people too, because you'regoing to have more to do with
(04:08):
whatever you decide to do withthat than you would in the
beginning and it's it's so hardto follow and get in this
practice, but it's so worth it.
Shay (04:17):
It's so worth it.
I love that exercise, thoughI'm going.
Either you get a fun size oryou get a full size right and a
lot of people would do that inHalloween, right, they'll wait
to get to the house at thecorner.
They're going to wait to getthat full size piece of candy.
So you know, they get thatextra walk in, but then get the
greater reward at the end.
Vanessa (04:35):
So I always think about food.
Shay (04:37):
I always think so.
You mentioned in candy, and I'msure we're going to talk about
it in this episode, but to meit's like I haven't had pasta
until recently and cakes and ice.
Like I've been delaying mygratification to lose weight and
I'm down a lot and I know youare too but it's just like it's
great knowing that I've eatenenough candy and ice cream and
cake and pasta for a lifetime.
(04:58):
So me delaying thatgratification or waiting six
months later to have that so Ican lose some weight, that
gratification or waiting sixmonths later to have that so I
can lose some weight, that wasthe.
That's the goal, right, and soI met that goal and now I enjoy
it even more.
And a lot of stuff is just toosweet now, but now I enjoy it
even more.
Vanessa (05:14):
Yeah yeah, your tastes change and things do change with
the.
You know, delayed gratificationtoo.
Things that were important toyou before are now like why did
I even care about that?
Because I have bigger things in, you know, in store later on.
So you learn and you grow fromthese things, just like what
you're saying.
You know that's, that'ssomething you learn as you go
(05:35):
through the processes and andyou grow and you become a better
person, you know so delayedgratification can help with so
many things and it also reallyhelps with achieving your
long-term goals.
You know, because it involvessacrificing some of these
short-term pleasures, likeeating a piece of cake today,
and you do that because you knowyou get that instant reward and
(05:58):
you feel good right then andthere.
But you do that to give up orto achieve more significant
long-term goals.
Just like you and the weightloss and me and the weight loss
too, we give up those tinymoments of pleasure right now to
gain something better in thelong run.
Shay (06:16):
Yeah, that's so good.
So we go from food to finances.
So what have you?
Haven't the biggest thing youever had to give up to achieve a
financial goal?
Vanessa (06:25):
Yeah, I would say my biggest thing is buying a
vehicle.
I always wait until I havesaved enough to buy a vehicle.
I was taught really early onthat you know that type of debt
can be avoided if we plan ahead.
So if you save up enough to buya car outright.
And then what I would always dois I would put enough away in a
(06:49):
savings account for a new carevery month after I bought that
car.
So it was like I was making apayment to myself, so that next
time I wanted a car I had themoney.
But if I didn't have the moneyfor it, you don't buy it because
I couldn't afford it.
So I would say that's thebiggest thing I've had to do is
just really wait and save to beready to have what I wanted.
Shay (07:12):
Yeah, and for me that's great and amazing.
I've never bought a caroutright before.
I do save for it and I do runmy car down to what I don't say,
down to the ground, but I makesure that thing is gives me no
more life.
I'm not.
I'm not wanting to buy it.
Vanessa (07:27):
You need it.
It is a need, I know it'sactually it's a need, it's
actually.
Shay (07:30):
And to my husband say no-transcript, every tax return,
(07:56):
no clothes, no, getting here, Imean I was like sacrificing,
because I was like I don't wantthese things, no more.
Every extra, extra money,everything I could save, every
sacrifice I could make, I meanit was full on.
Like when I made that decisionto pay those off, I was like I
ain't buying no clothes, I ain'tbuying no shoes, I don't need
anything.
And the funny thing thathappened is is that my car was
(08:18):
on its last leg, my Volkswagenand I was like you gotta buy
another car.
And I put onto the studentloans and then I still had a
little bit of savings for a downpayment, but it was just good
and I think that was 2016.
(08:38):
Yep, I paid off my studentloans and then I bought my new
car because I had to.
I wasn't planning on it, yeah.
So that was really a coolmoment to be able to say I paid
off my student loans and then Iwas able to buy a car and my
(08:58):
payment was way less than what Iwas paying for my student loans
.
Vanessa (08:59):
But guess, what I did, vanessa.
I used that student loanpayment and put it all into my
car and then I was able to paymy car off sooner.
So it all worked out Perfect.
Yeah, exactly.
So because you were making thatsacrifice every month already
to pay that down and to pay itoff, you were already in this
place where you were used topaying that.
So just moving it over to avehicle got you a new car number
one and got you the car quicker.
So you were already used to itand the car that I wanted.
Shay (09:20):
and I want to add to the story because I haven't really
said this out loud, but then mydaughter went to college and I
was able to pay off my car andput that money into her monthly
payment and she got a schoolwith only $5,000 worth of
student loan.
Of course her daddy helped too,but able to move that payment.
And so then we moved into thenew house and guess what I did
with that payment?
I put the payment into our newbathroom.
So that payment a big chunk ofmoney like $1,200 plus a month
(09:44):
I've been able to put into otherjoys.
So yeah, I'm really glad aboutit.
Vanessa (09:50):
And it sounds like because of that one change, you
know you have won over and overagain, because of it.
Shay (09:56):
So that's what people need to see, is it?
You know it?
Vanessa (09:59):
spills over into all these other aspects of our lives
.
It's not just one thing andit's pain and suffering until
it's finally over it's.
It really helps us to seewhat's important and I think
it's a way to celebrate thesevictories, too, at the end, you
know it's.
It's a way to celebrate thesevictories, too, at the end, you
know it's.
It's exciting, and we should becelebrating these victories of
paying off our student loans or,you know, paying off a vehicle
(10:21):
or paying for our kids school.
I mean, those are amazingachievements that if you would
have just wasted that moneyevery month, like most people do
, where would it be?
I know you know so, yeah, butyou know being able to to learn
and delay, I know you know so,yeah, but you know being able to
to learn and delay thatgratification, you know it can
lead to greater success andfulfillment over time.
And you know, just hearing youtalk about that, I I feel that
(10:45):
from you that you have this.
You know that you feel thispride and you feel like you've
achieved these goals, which arewonderful things.
So you know, if you can savefor retirement instead of buying
luxuries every month, you knowyou really get to enjoy that
later and really sit in thatmoment and say look what I've
done.
I've really achieved somethingamazing, with God's help, of
(11:07):
course.
Shay (11:08):
Amen.
And you know, I would add thatbecause I hear people saying, oh
well, I bought people tellingme about other people and it's
probably them projecting overthemselves or friends or family,
whatever the situation may belike, yeah, so-and-so is buying
all these shoes or so-and-so isbuying all this and they can't
afford to do this and they can'tafford that.
The thing is, if you on thebeginning, if you're saving and
(11:28):
being responsible and delayinggratification, eventually you
can go buy all the shoes and I'mgoing to put a little shade for
my husband all the bourbon, allthe whatever, all the watches,
all the cars but you got to getyour financial foundation in
order.
Vanessa (11:47):
So you do, and I think that's so hard for young people
to see right now.
Uh, you know, I know 21, 22year olds.
They're buying houses and theywant their, their forever house.
And it's like whoa, wait aminute.
Like you just graduated collegeor you have your first job, you
can't afford a payment for yourforever dream home.
Like there's a starter houseand it's okay to have a starter
house but, I, think they're soused to seeing what their
(12:09):
parents have, or theirgrandparents have.
And they think that they have tostart with that.
But if you would look back 20years, where mom and dad was or
your grandparents were 50 yearsago, you would see the sacrifice
, you would see the struggle andyou would see what they've
given up to get where they areright now.
And everybody has to go throughthat.
Everybody has to feel thosegrowing pains and put things
(12:32):
aside if they want to get tothat place in life.
It's all about the sacrifice,and you know the sacrifice
doesn't have to be, you know, atime where you just sit at home
and you do nothing.
There are ways to, you know, tosave and to delay that
gratification, but still havefun in the moment too.
Shay (12:52):
Enjoy the journey.
That's why I was telling mydaughter and she was saying that
she's feeling stuck right now,being out of college and looking
for a job.
And you know, and I was likeenjoy the moment, because when
you do finally get that job,you're going to be working your
butt off and you're going to belike dang.
I wish I had enjoyed that timewhen I wasn't working on a fast
you know, so it's just enjoy.
And that's how I was like manbeing able to pay off the
(13:14):
student loans and not be likethe average person still 67
years old with student loans andworrying about that, you know
all that crap.
That's how I was thinking.
I was like I don't want to bethat person and no shame, and no
, I'm not trying to make nobodyfeel bad by that but that for me
, I just didn't want to be that.
I met so many people that have200 plus thousands of loans and
(13:35):
I was just like I don't want tobe there.
So but I enjoyed that and, likeyou said, being able to see
that money now move over to somany goals from just one big
planting that one seed andseeing how it's grown oh my God,
it's been amazing.
Vanessa (13:50):
It's amazing, yeah, and these are.
You know, these are greatthings and, like you said, we
all have those things in ourlives that are stressors.
And if we're able to get rid ofthat stress and delay other
gratifications, why not?
Why not do that?
Why not get rid of that stressas soon as we can by, you know,
giving up some other wants thatwe have in the moment to get rid
(14:13):
of that stress?
That's just going to weigh usdown and bog us down for years
if we don't handle it.
Shay (14:17):
Exactly, exactly.
And all of this developsself-discipline.
Right, self-control, disciplineand sacrifice.
I always say those three thingsbecause that delayed
gratification strengthens ourself-discipline and our
willpower, and I know it has forme.
Like just starting with beforethe student loans, you know,
working in Germany at the creditunion, it was just I don't know
(14:39):
what happened.
There was a mind shift, amindset that happened.
It was like I don't want anymore debt, any credit card debt.
Like I don't know what happenedand I'm maybe working at the
credit union.
I was just like I'm paying allmy credit card off and I'll
never forget my husband and momtalking bad about me and I'm
going to call them out like why?
Vanessa (14:55):
is she doing it?
Why are?
Shay (14:56):
you putting all your money on your credit cards.
I'm like, because I don't wantthis anymore, I don't want that
anymore, I don't again.
I don't know what happened thatI changed.
One day.
Vanessa (15:03):
I was like I don't want it anymore.
Shay (15:04):
So all my extra money went and so that's probably where it
on.
And spouses was like why youdon't want to hang out with us.
I'm like because I, I have, I'mgoing to put my money towards
something else.
And they used to shame me fornot wanting to go shopping at
the mall.
Or when I went with them themall, I didn't buy anything.
(15:25):
And I'm like you know, and Ilook back and it was hard in the
moment it was, I would comehome and feel a certain way like
these women had all these greatfurniture in their house and
they all these great clothes,their hair and nails and
everything was dead.
And I'm looking, I'm feelinglike a bum, but then I'm like,
look at me now because you know,I I didn't do all that right,
(15:47):
so I didn't create all that debtearlier on.
Uh, but don't go through it,man.
It's the discipline, thewillpower you have to, the
mindset you have to build up,some of the sh, you know what
that you got to do it.
Vanessa (15:59):
Uh, it can be hard.
It can be hard yeah, it can bereally hard, but I think a lot
of that kind of determines whoyou should be spending your time
with too, you know, and wesurround ourselves with people
that support us, or we should besurrounding our people or
ourselves with people whosupport us, because if we do
that, it makes all thesechallenges and this delayed
(16:22):
gratification a whole lot easier.
Did some of the like weirdestthings to entertain ourselves,
so we didn't have student loansor debt during college.
So we we shared a Blockbusteraccount because that's all we
could afford, cause you got twovideos that you could take out
at a time I remember.
Shay (16:43):
Blockbuster day, right yeah.
Vanessa (16:45):
You know, and then we would go out like once a week to
uh, to Wendy's and get a nine,nine cent chili and that was our
, you know, eating out for theweek and it was like, literally,
we're looking for change, likein our couch cushions, to do
this I remember those days too,yeah, yeah.
And you know she worked so hard.
She worked at a factory in thesummer so she could come to
school in the fall and shewouldn't have to worry about her
(17:09):
money and she budgeted everymonth and she could only go home
once a year, you know.
So she would come home with mebecause I live like an hour from
the school.
You know, for every holiday,every weekend, you know get
together kind of thing.
So she just became part of myfamily.
But having her in my life andus both being on the same
journey of we're going tosacrifice some things now so we
(17:31):
don't have to worry about itlater really helped me to see
that I can still have a goodtime and fun and have fun
without spending so much orworrying or trying to keep up
with anybody else.
Yeah, so it was really great tohave a person that I could
really count on and we couldkind of bounce things off of
each other constantly.
Shay (17:51):
I love that you had a partner through that journey.
Yeah, I really did.
Vanessa (17:55):
And that's so helpful to have.
And I think that's what peopledon't understand is, if you have
these conversations with people, there's always somebody who
wants to do this but needsmotivation, and you can be that
person for each other.
You know, you can always have aconversation with us.
You can find somebody fromchurch, find a family member,
but there's always somebody whowants to do better and save and
(18:19):
get out of debt.
Or you know, save for that bigitem they want, but they don't
know how to do it or they don'thave the discipline to do it
alone.
There's always somebody outthere who will have your back.
Shay (18:31):
Amen.
And you know all of this leadsto better decision-making.
Like I said, I had that mindshift in Germany and it carried
on to other bases that we werestationed at and it was just
like growing, like learningbetter habits and learning like
it's okay to feel whateveryou're feeling, because it's
temporary, as Vanessa hasmentioned before.
So being able to do that reallydoes lead to a better decision
(18:55):
making, having thatself-discipline, that
self-control Right.
Vanessa (18:59):
And after a while it becomes second nature and you
don't even miss those things.
It's ingrained now.
Yeah, exactly Exactly.
And it's funny how you see thatin some older people too.
I don't know about you, butlike I have an aunt who is
really adverse to spending.
And it's funny because this iskind of her golden year time and
(19:20):
she's supposed to be enjoyingthis.
But you know, she only goes toArby's when she has coupons and
she still only gets the you know, the Burger King free entree
when you fill out the survey andshe'll buy a small drink to go
with it.
But at the same time, doingthese things all these years has
allowed her to be retired sinceshe was 55, to travel when she
(19:44):
wants to have a paid for homeand a paid for car, and do this
as a single mom.
So that's something really hardfor a lot of people to do when
you're doing this alone.
Shay (19:55):
Yeah, why we didn't have her on the podcast back in the
day?
She seemed like she was amazing.
But I mean, with all of that,you become resilient, right?
Because?
Of the setbacks or justlearning, like we're talking
about, you're better equipped topersevere through the difficult
times.
So having those habits, uh, uh,habits like Joan and you know,
(20:16):
and I remember talking to Monicaabout that your aunties are,
who are amazing and having those, uh, those uh habits and uh, I
guess, like it goes back to themindset you're able to get
through the difficult timesCause he's like you know what
I've already been frugal or verydisciplined or whatever, so I
know how to get through this.
This is just a bump in the road.
Vanessa (20:36):
It really is and it's so helpful.
And you know, as I've saidbefore, you know I've had times
in my life where I've had moreand I've had times in my life
where I've had less and I havereally been just as happy, maybe
even more sometimes, when I hadless, because I knew how to
really take that and just, youknow, be okay and be happy and
(20:58):
find ways to be fulfilledwithout spending money.
There's lots of things we cando, I think, to be prepared.
I think the first thing is is,if there's something that you
really want, hold off on it.
That's step number one.
Wait a little bit of time, justtake a second and say do I
really need this today?
I know one thing that a lot ofpeople do is in their Amazon
(21:21):
carts.
They'll put everything in theircart and we're so quick to just
buy, buy, buy.
Shay (21:32):
Let it sit for 24 hours Exactly.
Vanessa (21:33):
Delay that gratification for 24 hours.
I let it sit for a whole week.
Shay (21:35):
I'm like I ain't buying nothing until Friday, cause I
just because, first of all, I'malways going to want more stuff
or not, and then after I lookedthrough the cart, I'm like I
don't need that, I don't needthat.
And then I also need to checkwhat's in my house, because just
the other day just makeeverybody laugh yeah, I've been
ordering a lot of Lysol Cloroxwipes and the other day I
(21:55):
ordered more and I was like, ohmy god, I have.
Vanessa (21:57):
So I think I have an obsession with disinfectant, you
and me both.
I mean I need to stop orderingthese things, because now I
don't even have anywhere to putthem in my pantry.
So I'm taking them downstairstaking them upstairs so funny.
But but yeah, just you know,delay that one little thing and
you're going to see that.
You know you either don't wantit in 24 hours or a week, or
whatever it is.
But you know, patience is avirtue.
We have been taught that overand over again.
(22:19):
But there's so many littlethings we can do and it doesn't
have to be okay.
Well, I am going to give up, Idon't know, whatever something
you really really love everymonth for the next 20 years,
just so I can, you know, putsome money in the bank, or just
(22:40):
so I can buy a I don't know acar one day, or whatever that is
.
It doesn't have to be a big,big change.
at first, Do those little thingsand it's going to be so much
easier, you know and just resistthose immediate impulses.
And I think this kind of comesa lot with peer pressure and who
we hang out with and who wespend our time with.
Because if we have somebody whoyou know goes to Starbucks
(23:01):
every day and I do love myStarbucks we're going to do that
too.
We're going to give in whenwe're there.
We're not going to say, okay,I'm not going to get something,
because I'm literally standinghere with somebody who's getting
something, you know.
So hang out with people who arenot going or say, I'll pass
today, let's do it once a weekas a treat or whatever that is.
(23:23):
But we really need to practiceand develop our self-control.
And that is not fun, it is hard,but it is so worth it in the
end.
Like it is so so worth it whenwe can sit back and look later,
you know, years down the roadand say because I was able to
(23:44):
not get a coffee every day, youknow, for 20 years, or I was
able to drive my car an extrayear and a half, or I was able
to go to that state school,versus spending all this money
on this Ivy league institutionthat really didn't matter for
what I was going to school for,whatever it might be, and see
how far you are ahead versusyour peers who made different
(24:07):
choices.
That is such a blessing initself to sit there and think I
made some sacrifices, I've takena few steps and because of that
, look at how blessed my lifehas been and I've been able to
bless others because of that.
Because in a lot of ways, we'reable to do that because we
don't have the, you know, thewants that are controlling us
(24:31):
and we feel like we're able togive more because of that.
So it really impacts a lot ofareas of our life.
Shay (24:37):
It really does.
I mean that self-control isimportant and I would say, even
going back to you sayingStarbucks, I mean you can go to
your Starbucks with your friends, Just don't order anything.
I do Now.
It's like I know I'll bring mywater bottle and say, yeah,
let's meet there, and it doesn'tnecessarily need to drink
anything, or just you knowsomebody needs to buy something
out of respect to Starbucks, butit doesn't have to be me.
Vanessa (24:58):
Or get a plain coffee, Like yeah, there's ways to do a
coffee shop.
Shay (25:01):
The other day and somebody ordered a bunch of stuff, I
went to a coffee shop the otherday and somebody ordered a bunch
of stuff and I just had onelittle item and I was good and
they're like you're good.
You know, I made sure I atebefore so I wouldn't be hungry,
and then I have my own coffee athome so I can get the Starbucks
curic pods, so that's a lotcheaper.
Vanessa (25:22):
It is so much cheaper, you know, and that was something
I used to.
I used to go to Starbucks everyday and when I realized I was
spending 35 to $40 a week oncoffee uh, you know, this was 10
, 15 years ago I was like man, Icould be doing something else,
amazing with that money.
Uh.
So you know you have to pickyour wants and your needs, and I
think the the biggest part ofthat is like we can have
anything we want.
We just can't have everything.
So picking and choosing thosethings that we have that instant
(25:45):
gratification with and thenchoosing what we're going to
wait for, that's a huge, hugedifference with this too.
And in Galatians 6, 9, theBible says let us not become
weary in doing good, for at theproper time we will reap a
harvest if we do not give up.
And that is amazing to thinkabout.
(26:08):
Just look at the people who havegone before us and who have
sacrificed certain things andhow they're able to just sit
back in their golden years andreap that harvest and that
reward, plant those seeds andreap what you sow, exactly,
exactly, and the examples thatthey have set for us, yeah.
(26:28):
So that's what I want to be.
I want to be an example forsomebody.
Shay (26:31):
Exactly, and I want to honor our you know ancestors,
our people that came before us,and even if they didn't make the
right decisions, then I'm goingto make the right decisions
because I learned from theirmistakes, or I take their great
lessons and I expound upon that.
So their mistakes, or I taketheir great lessons and I
expound upon that, so there'snothing wrong with that and I
love that.
So any final thoughts?
Vanessa (26:50):
You know, start with something small.
You don't have to do everythingat once, but it's going to
become a habit.
And once it becomes a habit itgets so much easier.
And then just keep it up.
Shay (27:04):
I agree and I love that.
And another great episode.
So thank you for joining us.
Have a great day.
A big thank you for listeningto this episode.
We hope you found today's chatabout the intersection of
religion and money insightful.
We would love to hear yourfeedback.
Hit that subscribe button orfollow the podcast and please
feel free to leave us a review.
Vanessa (27:23):
Yes, and for the latest Yahweh's Money content, visit
us at www.
crusaders4changeorg or find usanywhere you listen to podcasts.
Until next time, stayfinancially fit and spiritually
inspired.
Shay (27:37):
And remember it's always better Yahweh's way.
Ever felt those awkward vibes when religion and money
come up?
You're not alone.
Welcome to Yahweh's Money, thepodcast where we tackle the
crossroads of faith and finance.
I'm Shay Cook, an AccreditedFinancial Counselor, and the CEO
and founder of Crusaders forChange LLC.
Vanessa (00:19):
And I'm Vanessa McNelley, Accredited Financial
Counselor and COO of Crusadersfor Change.
Join us on our journey as wediscuss topics like tithing
saving and conquering debtthrough religious perspectives.
Let's get started.
Shay (00:35):
Hey everyone, welcome back to another episode of Yahweh's
Money.
Hey, my co-host, Vanessa, howare you?
Vanessa (00:42):
I am good, Shay.
I'm excited about today's topicbecause you know it's one of my
favorites.
Shay (00:48):
Yeah, but it's not a lot of people's favorites.
Nope, that's okay, because welike talking about this stuff.
So today we're going to have alot of fun, vanessa and me,
because we're chatting aboutsomething very important that we
love sharing with our clients,but they don't like us when we
tell them.
But they need to hear it thecrucial link between discipline
and financial success.
(01:09):
So we'll be exploring oneparticular fundamental principle
delayed gratification, rightDelayed gratification.
In a world of instant rewards,mastering the art of waiting for
greater long-term benefits canbe challenging, yet immensely
rewarding.
(01:29):
So today we're going to uncoverstrategies to cultivate
patience, build resilience andachieve your financial goals
with discipline and purpose.
612 NIV says we do not want youto become lazy, but to imitate
(01:50):
those who, through faith andpatience, inherit what has been
promised.
So this verse teaches the valueof persistence, diligence and
the long-term rewards that comefrom exercising patience and
self-control in various aspectsof life, including financial
stewardship and spiritual growth.
Well, that's a lot People arelike what it is?
Vanessa (02:12):
It is, it is and please don't hate us for talking about
this everyone it's one of thosethings that we have to talk
about and it's so important inall aspects of our lives.
Shay (02:22):
I know, and you know I pulled out the scripture today,
as I do, hopefully, mostly day.
Most days I try to look at theword.
But the scripture notes forthis particular verse Hebrews 6,
12 said hope keeps theChristian or you can just say
person, if you're not aChristian from becoming lazy or
feeling bored.
Like an athlete, you train hardand run well, remembering the
(02:43):
reward that lies ahead.
So you know, having thisdelayed gratification, which
we're going to get deep intotoday, it's actually a good
thing, because there's usuallyan amazing reward on the other
side.
Vanessa (02:55):
Exactly, and it's you know.
It's so hard to see right nowand that's the whole point of
this is you can't see what'sgoing to happen later on.
Shay (03:03):
Hello, is that not fair Right?
Vanessa (03:05):
exactly, exactly right.
So it's so hard for most of usto say, okay, I'm going to give
up this good thing today forsomething amazing later, because
we have no idea when or whatthat amazing thing is going to
be.
And it's so, so hard.
This is something when I usedto teach classes and I would
give out prizes for, you know,playing little games, I would
(03:26):
always ask whoever won if theywanted instant gratification or
delayed gratification.
And if they wanted instant, Iwould give them, like like a fun
size candy bar.
But a lot of people wouldactually say, hmm, let's do
delayed.
And I was really shocked.
And I think it's because youknow it was just a, you know, a
quick little game, but at theend of the class, if they chose
(03:46):
that, they got a full size candybar.
So you know, delaying thatgratification got them.
You know, even though it wasjust a candy, it was something
way better than what they wouldhave gotten 45 minutes earlier.
So, choosing to delay it, youknow you're going to get
something that's not only goingto help you, probably, but other
people too, because you'regoing to have more to do with
(04:08):
whatever you decide to do withthat than you would in the
beginning and it's it's so hardto follow and get in this
practice, but it's so worth it.
Shay (04:17):
It's so worth it.
I love that exercise, thoughI'm going.
Either you get a fun size oryou get a full size right and a
lot of people would do that inHalloween, right, they'll wait
to get to the house at thecorner.
They're going to wait to getthat full size piece of candy.
So you know, they get thatextra walk in, but then get the
greater reward at the end.
Vanessa (04:35):
So I always think about food.
Shay (04:37):
I always think so.
You mentioned in candy, and I'msure we're going to talk about
it in this episode, but to meit's like I haven't had pasta
until recently and cakes and ice.
Like I've been delaying mygratification to lose weight and
I'm down a lot and I know youare too but it's just like it's
great knowing that I've eatenenough candy and ice cream and
cake and pasta for a lifetime.
(04:58):
So me delaying thatgratification or waiting six
months later to have that so Ican lose some weight, that
gratification or waiting sixmonths later to have that so I
can lose some weight, that wasthe.
That's the goal, right, and soI met that goal and now I enjoy
it even more.
And a lot of stuff is just toosweet now, but now I enjoy it
even more.
Vanessa (05:14):
Yeah yeah, your tastes change and things do change with
the.
You know, delayed gratificationtoo.
Things that were important toyou before are now like why did
I even care about that?
Because I have bigger things in, you know, in store later on.
So you learn and you grow fromthese things, just like what
you're saying.
You know that's, that'ssomething you learn as you go
(05:35):
through the processes and andyou grow and you become a better
person, you know so delayedgratification can help with so
many things and it also reallyhelps with achieving your
long-term goals.
You know, because it involvessacrificing some of these
short-term pleasures, likeeating a piece of cake today,
and you do that because you knowyou get that instant reward and
(05:58):
you feel good right then andthere.
But you do that to give up orto achieve more significant
long-term goals.
Just like you and the weightloss and me and the weight loss
too, we give up those tinymoments of pleasure right now to
gain something better in thelong run.
Shay (06:16):
Yeah, that's so good.
So we go from food to finances.
So what have you?
Haven't the biggest thing youever had to give up to achieve a
financial goal?
Vanessa (06:25):
Yeah, I would say my biggest thing is buying a
vehicle.
I always wait until I havesaved enough to buy a vehicle.
I was taught really early onthat you know that type of debt
can be avoided if we plan ahead.
So if you save up enough to buya car outright.
And then what I would always dois I would put enough away in a
(06:49):
savings account for a new carevery month after I bought that
car.
So it was like I was making apayment to myself, so that next
time I wanted a car I had themoney.
But if I didn't have the moneyfor it, you don't buy it because
I couldn't afford it.
So I would say that's thebiggest thing I've had to do is
just really wait and save to beready to have what I wanted.
Shay (07:12):
Yeah, and for me that's great and amazing.
I've never bought a caroutright before.
I do save for it and I do runmy car down to what I don't say,
down to the ground, but I makesure that thing is gives me no
more life.
I'm not.
I'm not wanting to buy it.
Vanessa (07:27):
You need it.
It is a need, I know it'sactually it's a need, it's
actually.
Shay (07:30):
And to my husband say no-transcript, every tax return,
(07:56):
no clothes, no, getting here, Imean I was like sacrificing,
because I was like I don't wantthese things, no more.
Every extra, extra money,everything I could save, every
sacrifice I could make, I meanit was full on.
Like when I made that decisionto pay those off, I was like I
ain't buying no clothes, I ain'tbuying no shoes, I don't need
anything.
And the funny thing thathappened is is that my car was
(08:18):
on its last leg, my Volkswagenand I was like you gotta buy
another car.
And I put onto the studentloans and then I still had a
little bit of savings for a downpayment, but it was just good
and I think that was 2016.
(08:38):
Yep, I paid off my studentloans and then I bought my new
car because I had to.
I wasn't planning on it, yeah.
So that was really a coolmoment to be able to say I paid
off my student loans and then Iwas able to buy a car and my
(08:58):
payment was way less than what Iwas paying for my student loans
.
Vanessa (08:59):
But guess, what I did, vanessa.
I used that student loanpayment and put it all into my
car and then I was able to paymy car off sooner.
So it all worked out Perfect.
Yeah, exactly.
So because you were making thatsacrifice every month already
to pay that down and to pay itoff, you were already in this
place where you were used topaying that.
So just moving it over to avehicle got you a new car number
one and got you the car quicker.
So you were already used to itand the car that I wanted.
Shay (09:20):
and I want to add to the story because I haven't really
said this out loud, but then mydaughter went to college and I
was able to pay off my car andput that money into her monthly
payment and she got a schoolwith only $5,000 worth of
student loan.
Of course her daddy helped too,but able to move that payment.
And so then we moved into thenew house and guess what I did
with that payment?
I put the payment into our newbathroom.
So that payment a big chunk ofmoney like $1,200 plus a month
(09:44):
I've been able to put into otherjoys.
So yeah, I'm really glad aboutit.
Vanessa (09:50):
And it sounds like because of that one change, you
know you have won over and overagain, because of it.
Shay (09:56):
So that's what people need to see, is it?
You know it?
Vanessa (09:59):
spills over into all these other aspects of our lives
.
It's not just one thing andit's pain and suffering until
it's finally over it's.
It really helps us to seewhat's important and I think
it's a way to celebrate thesevictories, too, at the end, you
know it's.
It's a way to celebrate thesevictories, too, at the end, you
know it's.
It's exciting, and we should becelebrating these victories of
paying off our student loans or,you know, paying off a vehicle
(10:21):
or paying for our kids school.
I mean, those are amazingachievements that if you would
have just wasted that moneyevery month, like most people do
, where would it be?
I know you know so, yeah, butyou know being able to to learn
and delay, I know you know so,yeah, but you know being able to
to learn and delay thatgratification, you know it can
lead to greater success andfulfillment over time.
And you know, just hearing youtalk about that, I I feel that
(10:45):
from you that you have this.
You know that you feel thispride and you feel like you've
achieved these goals, which arewonderful things.
So you know, if you can savefor retirement instead of buying
luxuries every month, you knowyou really get to enjoy that
later and really sit in thatmoment and say look what I've
done.
I've really achieved somethingamazing, with God's help, of
(11:07):
course.
Shay (11:08):
Amen.
And you know, I would add thatbecause I hear people saying, oh
well, I bought people tellingme about other people and it's
probably them projecting overthemselves or friends or family,
whatever the situation may belike, yeah, so-and-so is buying
all these shoes or so-and-so isbuying all this and they can't
afford to do this and they can'tafford that.
The thing is, if you on thebeginning, if you're saving and
(11:28):
being responsible and delayinggratification, eventually you
can go buy all the shoes and I'mgoing to put a little shade for
my husband all the bourbon, allthe whatever, all the watches,
all the cars but you got to getyour financial foundation in
order.
Vanessa (11:47):
So you do, and I think that's so hard for young people
to see right now.
Uh, you know, I know 21, 22year olds.
They're buying houses and theywant their, their forever house.
And it's like whoa, wait aminute.
Like you just graduated collegeor you have your first job, you
can't afford a payment for yourforever dream home.
Like there's a starter houseand it's okay to have a starter
house but, I, think they're soused to seeing what their
(12:09):
parents have, or theirgrandparents have.
And they think that they have tostart with that.
But if you would look back 20years, where mom and dad was or
your grandparents were 50 yearsago, you would see the sacrifice
, you would see the struggle andyou would see what they've
given up to get where they areright now.
And everybody has to go throughthat.
Everybody has to feel thosegrowing pains and put things
(12:32):
aside if they want to get tothat place in life.
It's all about the sacrifice,and you know the sacrifice
doesn't have to be, you know, atime where you just sit at home
and you do nothing.
There are ways to, you know, tosave and to delay that
gratification, but still havefun in the moment too.
Shay (12:52):
Enjoy the journey.
That's why I was telling mydaughter and she was saying that
she's feeling stuck right now,being out of college and looking
for a job.
And you know, and I was likeenjoy the moment, because when
you do finally get that job,you're going to be working your
butt off and you're going to belike dang.
I wish I had enjoyed that timewhen I wasn't working on a fast
you know, so it's just enjoy.
And that's how I was like manbeing able to pay off the
(13:14):
student loans and not be likethe average person still 67
years old with student loans andworrying about that, you know
all that crap.
That's how I was thinking.
I was like I don't want to bethat person and no shame, and no
, I'm not trying to make nobodyfeel bad by that but that for me
, I just didn't want to be that.
I met so many people that have200 plus thousands of loans and
(13:35):
I was just like I don't want tobe there.
So but I enjoyed that and, likeyou said, being able to see
that money now move over to somany goals from just one big
planting that one seed andseeing how it's grown oh my God,
it's been amazing.
Vanessa (13:50):
It's amazing, yeah, and these are.
You know, these are greatthings and, like you said, we
all have those things in ourlives that are stressors.
And if we're able to get rid ofthat stress and delay other
gratifications, why not?
Why not do that?
Why not get rid of that stressas soon as we can by, you know,
giving up some other wants thatwe have in the moment to get rid
(14:13):
of that stress?
That's just going to weigh usdown and bog us down for years
if we don't handle it.
Shay (14:17):
Exactly, exactly.
And all of this developsself-discipline.
Right, self-control, disciplineand sacrifice.
I always say those three thingsbecause that delayed
gratification strengthens ourself-discipline and our
willpower, and I know it has forme.
Like just starting with beforethe student loans, you know,
working in Germany at the creditunion, it was just I don't know
(14:39):
what happened.
There was a mind shift, amindset that happened.
It was like I don't want anymore debt, any credit card debt.
Like I don't know what happenedand I'm maybe working at the
credit union.
I was just like I'm paying allmy credit card off and I'll
never forget my husband and momtalking bad about me and I'm
going to call them out like why?
Vanessa (14:55):
is she doing it?
Why are?
Shay (14:56):
you putting all your money on your credit cards.
I'm like, because I don't wantthis anymore, I don't want that
anymore, I don't again.
I don't know what happened thatI changed.
One day.
Vanessa (15:03):
I was like I don't want it anymore.
Shay (15:04):
So all my extra money went and so that's probably where it
on.
And spouses was like why youdon't want to hang out with us.
I'm like because I, I have, I'mgoing to put my money towards
something else.
And they used to shame me fornot wanting to go shopping at
the mall.
Or when I went with them themall, I didn't buy anything.
(15:25):
And I'm like you know, and Ilook back and it was hard in the
moment it was, I would comehome and feel a certain way like
these women had all these greatfurniture in their house and
they all these great clothes,their hair and nails and
everything was dead.
And I'm looking, I'm feelinglike a bum, but then I'm like,
look at me now because you know,I I didn't do all that right,
(15:47):
so I didn't create all that debtearlier on.
Uh, but don't go through it,man.
It's the discipline, thewillpower you have to, the
mindset you have to build up,some of the sh, you know what
that you got to do it.
Vanessa (15:59):
Uh, it can be hard.
It can be hard yeah, it can bereally hard, but I think a lot
of that kind of determines whoyou should be spending your time
with too, you know, and wesurround ourselves with people
that support us, or we should besurrounding our people or
ourselves with people whosupport us, because if we do
that, it makes all thesechallenges and this delayed
(16:22):
gratification a whole lot easier.
Did some of the like weirdestthings to entertain ourselves,
so we didn't have student loansor debt during college.
So we we shared a Blockbusteraccount because that's all we
could afford, cause you got twovideos that you could take out
at a time I remember.
Shay (16:43):
Blockbuster day, right yeah.
Vanessa (16:45):
You know, and then we would go out like once a week to
uh, to Wendy's and get a nine,nine cent chili and that was our
, you know, eating out for theweek and it was like, literally,
we're looking for change, likein our couch cushions, to do
this I remember those days too,yeah, yeah.
And you know she worked so hard.
She worked at a factory in thesummer so she could come to
school in the fall and shewouldn't have to worry about her
(17:09):
money and she budgeted everymonth and she could only go home
once a year, you know.
So she would come home with mebecause I live like an hour from
the school.
You know, for every holiday,every weekend, you know get
together kind of thing.
So she just became part of myfamily.
But having her in my life andus both being on the same
journey of we're going tosacrifice some things now so we
(17:31):
don't have to worry about itlater really helped me to see
that I can still have a goodtime and fun and have fun
without spending so much orworrying or trying to keep up
with anybody else.
Yeah, so it was really great tohave a person that I could
really count on and we couldkind of bounce things off of
each other constantly.
Shay (17:51):
I love that you had a partner through that journey.
Yeah, I really did.
Vanessa (17:55):
And that's so helpful to have.
And I think that's what peopledon't understand is, if you have
these conversations with people, there's always somebody who
wants to do this but needsmotivation, and you can be that
person for each other.
You know, you can always have aconversation with us.
You can find somebody fromchurch, find a family member,
but there's always somebody whowants to do better and save and
(18:19):
get out of debt.
Or you know, save for that bigitem they want, but they don't
know how to do it or they don'thave the discipline to do it
alone.
There's always somebody outthere who will have your back.
Shay (18:31):
Amen.
And you know all of this leadsto better decision-making.
Like I said, I had that mindshift in Germany and it carried
on to other bases that we werestationed at and it was just
like growing, like learningbetter habits and learning like
it's okay to feel whateveryou're feeling, because it's
temporary, as Vanessa hasmentioned before.
So being able to do that reallydoes lead to a better decision
(18:55):
making, having thatself-discipline, that
self-control Right.
Vanessa (18:59):
And after a while it becomes second nature and you
don't even miss those things.
It's ingrained now.
Yeah, exactly Exactly.
And it's funny how you see thatin some older people too.
I don't know about you, butlike I have an aunt who is
really adverse to spending.
And it's funny because this iskind of her golden year time and
(19:20):
she's supposed to be enjoyingthis.
But you know, she only goes toArby's when she has coupons and
she still only gets the you know, the Burger King free entree
when you fill out the survey andshe'll buy a small drink to go
with it.
But at the same time, doingthese things all these years has
allowed her to be retired sinceshe was 55, to travel when she
(19:44):
wants to have a paid for homeand a paid for car, and do this
as a single mom.
So that's something really hardfor a lot of people to do when
you're doing this alone.
Shay (19:55):
Yeah, why we didn't have her on the podcast back in the
day?
She seemed like she was amazing.
But I mean, with all of that,you become resilient, right?
Because?
Of the setbacks or justlearning, like we're talking
about, you're better equipped topersevere through the difficult
times.
So having those habits, uh, uh,habits like Joan and you know,
(20:16):
and I remember talking to Monicaabout that your aunties are,
who are amazing and having those, uh, those uh habits and uh, I
guess, like it goes back to themindset you're able to get
through the difficult timesCause he's like you know what
I've already been frugal or verydisciplined or whatever, so I
know how to get through this.
This is just a bump in the road.
Vanessa (20:36):
It really is and it's so helpful.
And you know, as I've saidbefore, you know I've had times
in my life where I've had moreand I've had times in my life
where I've had less and I havereally been just as happy, maybe
even more sometimes, when I hadless, because I knew how to
really take that and just, youknow, be okay and be happy and
(20:58):
find ways to be fulfilledwithout spending money.
There's lots of things we cando, I think, to be prepared.
I think the first thing is is,if there's something that you
really want, hold off on it.
That's step number one.
Wait a little bit of time, justtake a second and say do I
really need this today?
I know one thing that a lot ofpeople do is in their Amazon
(21:21):
carts.
They'll put everything in theircart and we're so quick to just
buy, buy, buy.
Shay (21:32):
Let it sit for 24 hours Exactly.
Vanessa (21:33):
Delay that gratification for 24 hours.
I let it sit for a whole week.
Shay (21:35):
I'm like I ain't buying nothing until Friday, cause I
just because, first of all, I'malways going to want more stuff
or not, and then after I lookedthrough the cart, I'm like I
don't need that, I don't needthat.
And then I also need to checkwhat's in my house, because just
the other day just makeeverybody laugh yeah, I've been
ordering a lot of Lysol Cloroxwipes and the other day I
(21:55):
ordered more and I was like, ohmy god, I have.
Vanessa (21:57):
So I think I have an obsession with disinfectant, you
and me both.
I mean I need to stop orderingthese things, because now I
don't even have anywhere to putthem in my pantry.
So I'm taking them downstairstaking them upstairs so funny.
But but yeah, just you know,delay that one little thing and
you're going to see that.
You know you either don't wantit in 24 hours or a week, or
whatever it is.
But you know, patience is avirtue.
We have been taught that overand over again.
(22:19):
But there's so many littlethings we can do and it doesn't
have to be okay.
Well, I am going to give up, Idon't know, whatever something
you really really love everymonth for the next 20 years,
just so I can, you know, putsome money in the bank, or just
(22:40):
so I can buy a I don't know acar one day, or whatever that is
.
It doesn't have to be a big,big change.
at first, Do those little thingsand it's going to be so much
easier, you know and just resistthose immediate impulses.
And I think this kind of comesa lot with peer pressure and who
we hang out with and who wespend our time with.
Because if we have somebody whoyou know goes to Starbucks
(23:01):
every day and I do love myStarbucks we're going to do that
too.
We're going to give in whenwe're there.
We're not going to say, okay,I'm not going to get something,
because I'm literally standinghere with somebody who's getting
something, you know.
So hang out with people who arenot going or say, I'll pass
today, let's do it once a weekas a treat or whatever that is.
(23:23):
But we really need to practiceand develop our self-control.
And that is not fun, it is hard,but it is so worth it in the
end.
Like it is so so worth it whenwe can sit back and look later,
you know, years down the roadand say because I was able to
(23:44):
not get a coffee every day, youknow, for 20 years, or I was
able to drive my car an extrayear and a half, or I was able
to go to that state school,versus spending all this money
on this Ivy league institutionthat really didn't matter for
what I was going to school for,whatever it might be, and see
how far you are ahead versusyour peers who made different
(24:07):
choices.
That is such a blessing initself to sit there and think I
made some sacrifices, I've takena few steps and because of that
, look at how blessed my lifehas been and I've been able to
bless others because of that.
Because in a lot of ways, we'reable to do that because we
don't have the, you know, thewants that are controlling us
(24:31):
and we feel like we're able togive more because of that.
So it really impacts a lot ofareas of our life.
Shay (24:37):
It really does.
I mean that self-control isimportant and I would say, even
going back to you sayingStarbucks, I mean you can go to
your Starbucks with your friends, Just don't order anything.
I do Now.
It's like I know I'll bring mywater bottle and say, yeah,
let's meet there, and it doesn'tnecessarily need to drink
anything, or just you knowsomebody needs to buy something
out of respect to Starbucks, butit doesn't have to be me.
Vanessa (24:58):
Or get a plain coffee, Like yeah, there's ways to do a
coffee shop.
Shay (25:01):
The other day and somebody ordered a bunch of stuff, I
went to a coffee shop the otherday and somebody ordered a bunch
of stuff and I just had onelittle item and I was good and
they're like you're good.
You know, I made sure I atebefore so I wouldn't be hungry,
and then I have my own coffee athome so I can get the Starbucks
curic pods, so that's a lotcheaper.
Vanessa (25:22):
It is so much cheaper, you know, and that was something
I used to.
I used to go to Starbucks everyday and when I realized I was
spending 35 to $40 a week oncoffee uh, you know, this was 10
, 15 years ago I was like man, Icould be doing something else,
amazing with that money.
Uh.
So you know you have to pickyour wants and your needs, and I
think the the biggest part ofthat is like we can have
anything we want.
We just can't have everything.
So picking and choosing thosethings that we have that instant
(25:45):
gratification with and thenchoosing what we're going to
wait for, that's a huge, hugedifference with this too.
And in Galatians 6, 9, theBible says let us not become
weary in doing good, for at theproper time we will reap a
harvest if we do not give up.
And that is amazing to thinkabout.
(26:08):
Just look at the people who havegone before us and who have
sacrificed certain things andhow they're able to just sit
back in their golden years andreap that harvest and that
reward, plant those seeds andreap what you sow, exactly,
exactly, and the examples thatthey have set for us, yeah.
(26:28):
So that's what I want to be.
I want to be an example forsomebody.
Shay (26:31):
Exactly, and I want to honor our you know ancestors,
our people that came before us,and even if they didn't make the
right decisions, then I'm goingto make the right decisions
because I learned from theirmistakes, or I take their great
lessons and I expound upon that.
So their mistakes, or I taketheir great lessons and I
expound upon that, so there'snothing wrong with that and I
love that.
So any final thoughts?
Vanessa (26:50):
You know, start with something small.
You don't have to do everythingat once, but it's going to
become a habit.
And once it becomes a habit itgets so much easier.
And then just keep it up.
Shay (27:04):
I agree and I love that.
And another great episode.
So thank you for joining us.
Have a great day.
A big thank you for listeningto this episode.
We hope you found today's chatabout the intersection of
religion and money insightful.
We would love to hear yourfeedback.
Hit that subscribe button orfollow the podcast and please
feel free to leave us a review.
Vanessa (27:23):
Yes, and for the latest Yahweh's Money content, visit
us at www.
crusaders4changeorg or find usanywhere you listen to podcasts.
Until next time, stayfinancially fit and spiritually
inspired.
Shay (27:37):
And remember it's always better Yahweh's way.
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