March 27, 2025 • 31 mins
With headlines dominated by bank failures and economic crises, where do we place our trust? Let us lead you back to faith, focusing on Psalm 20:7 as a spiritual anchor: "Some trust in chariots and some in horses, but we trust in the name of the Lord our God."
True security is found in a steadfast reliance on God's provisions. Get ready for rapid-fire questions, personal anecdotes, and spiritual reflections, all designed to inspire you to lean deeper into your faith amidst life's financial storms.
🔑 Key Takeaways:
- Trust in the Eternal: Tanisha and I highlight the importance of placing trust in God rather than transient worldly systems. You are reminded that true security stems from faith, not just financial stability.
- Vigilance Against Scams: We emphasize staying alert to protect personal finances in an age where scams and fraud are rampant. Regularly checking accounts and staying informed can help safeguard assets.
- Community and Faith: The discussion underscored the invaluable role of community, particularly credit unions, in providing not just financial but also emotional support. Trust in God's plan and engage with supportive financial communities to navigate uncertainties.
Episode References:
- Genesis 3 - Tanisha refers to this when mentioning how God declared victory over sin at the very beginning, providing insight into trusting God's long-term plan.
- Proverbs - Though not quoted directly, the sentiment of trusting God over worldly wealth, as discussed throughout the episode, aligns with many teachings in Proverbs, especially regarding wisdom and the futility of relying solely on material wealth.
- The Book of Daniel - Tanisha mentions this book, drawing a parallel between historical kingdoms' fall (specifically referencing Nebuchadnezzar) and current worldly systems, emphasizing not to put trust in earthly power structures.
- Love of Money as the Root of All Evil - Though not cited with a chapter and verse in the transcript, this is a commonly referenced scripture from 1 Timothy 6:10, which is discussed in the context of putting faith and hope in money.
Follow Tanisha in these spaces
Instagram - instagram.com/financialtheologian
Facebook - Facebook.com/financialtheologian
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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.
Tanisha Allen (00:02):
I know that I don't have to put my heart and
faith in the temporal treasuresof this world, because our true
treasures are with God and ourtrue treasures are stored up in
heaven.
Right, that's our financialsecurity.
God is going to take care of usno matter what, and that's for
every income level, every classlevel and all of that.
(00:24):
Like I don't, I don't want itto come across as like for those
of us that have financialsecurity, we're the ones that
don't have to worry, becauseI've been on the flip side,
where I haven't had financialsecurity, I haven't had money
and my faith still had to bestrong.
Even more so, and even more so.
Yeah, be told.
Usually the ones that don'thave the financial security have
more faith.
They have to.
Usually the ones that don'thave the financial security have
(00:45):
more faith.
Shay Cook (00:45):
They have to.
Tanisha Allen (00:45):
They're the ones that are getting through these
times.
Shay Cook (00:47):
Yeah, because we've been comfortable.
And those that have beencomfortable are like, ah, and
the people are like man, I'vebeen through this before Like
I'm in this now.
What are you talking about?
I ain't got no money in my bankaccount now.
What are you talking about?
Account my count's negative.
(01:10):
What are you talking about?
Ever felt those awkward vibeswhen 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.
Join us on our journey as wediscuss topics like tithing,
saving and conquering debtthrough religious perspectives.
Let's get started.
(01:35):
Hey everyone, welcome back toanother episode of Yahweh's
Money.
The amazing Tanisha Allen isjoining us again on Banking, on
God Security Beyond the Systems.
Oh, I love that.
Hey, Tanisha girl, how are youdoing today?
I'm good.
How are you?
I'm here, I'm making it.
You know, I'm blessed, I'm good.
There's life is lifing,everybody want to add an ING to
(01:56):
everything.
So, you know, I'm here and I'mglad to be here with you again
to talk about banking on GodBecause, honestly, in these
times and any time, honestly,that's when you only should be
banking on God, you should bedependent on God.
I know, in the previous episodeor recent episode with Adriana,
she's like you only have twochoices despair or dependence.
(02:17):
I was like, yes, girl,dependence, I'm just here
because, if not, you're going tobe despair, you're going to be
in shock, you're going to bejust all over the place and we
don't want that.
So you know, but it's real,with these banks and economic
issues going on right now.
Right, I mean, bank failuresare real, economic crises, they
shake the world, but thesecurity is, or, but our
(02:38):
security is, in Christ.
Right, let's talk about whereto place our trust.
The main scripture for thisepisode is Psalm 27.
Some trust in chariots and somein horses, but we trust in the
name of the Lord, our God.
I mean amen, I mean every timeI see that I'm just like Lord,
I'm just so thankful to God andjust everything he's doing.
(03:00):
Did you want to speak on thatbefore we get into the rapid
fire questions, it's truth, it'squestions, it's truth.
Tanisha Allen (03:07):
I mean, we place like so much trust in our
worldly things and it's like why, when the world didn't create
itself, you know, the thingsthat we put our trust in didn't
create itself.
Give me God all day, every day,every day, all day.
Shay Cook (03:22):
I love that, because all this stuff temporary.
You can't take none of it withyou, so I don't even know why we
stressing about it.
You're going to die.
You're going to wake up,hopefully in heaven You'll be
like all that stuff I wasworrying about.
I don't even know Exactly.
All right, let's get into theserapid fire questions.
So have you ever worried aboutyour bank account being safe?
Tanisha Allen (03:42):
Yes, Really Wow.
I've worked in banking for solong that I know the ins and
outs and I know things that canhappen, that shouldn't happen
and all of that you know.
Most of the time I try not tofear too much what's happening
in my bank account because Ireally don't have control over
the majority of it, right Like,I try to control what I can
control, but the way thatscammers and stuff are set up
(04:03):
nowadays, you always got to kindof keep an eye on your bank
accounts, make sure you're notgiving out too much information
and somebody take information,the way fraud works, somebody
swipe your card.
All of that the way the worldis going now and people getting
access to our personalinformation that shouldn't have
access to our personalinformation.
You never know, I take a look atmy account every single day and
(04:25):
I'm just like you're stillthere, thank you.
Shay Cook (04:27):
Exactly Right.
Yeah, you got to look at notonly your bank accounts, with
your savings and checkings andall in between there and beyond
that, but it's the credit cardstoo, all the things attached to
the bank, all of the lines ofcredit, everything, because it's
just out here.
I've never really worried aboutit.
I worked in the credit unionsfor a while there too, but in
this present time, with all ofthe scams and spam and oh my God
(04:50):
, the texts that we're getting,I'm like, oh my God, they're
talking about tolls, they'retalking about this.
I need to go check on myaccount because they might've
gotten access.
It's just crazy.
And one time they had done Iwas at Thanksgiving two or three
years ago I was going throughmy email and I saw somebody had
bought an Oculus through mypersonal account, but they used
my business card.
I'm like, what in the?
(05:10):
It was just crazy.
So you definitely got to bevigilant, wow.
So next question what would youdo if bank froze your accounts
today or tomorrow?
Tanisha Allen (05:20):
Look, I probably would just take a day to be like
you know what.
Let me give them some time tofigure this out.
And then, if it was something,take a day to be like you know
what, let me give them some timeto figure this out.
And then, if it was somethingthat was going to be prolonged,
then that's when I got to startlooking at.
Ok, what do I have?
You know, is it all accounts?
Is it every everything I own isfrozen.
How much food do I have at themoment?
Oh yeah, the day before I wasgoing to go grocery shopping, I
(05:42):
probably would start to kind ofjust like OK, assess the
situation.
How much of my financial lifeis frozen?
What do I have access to?
Is it just me?
Is this worldwide?
You know, I'm blessed enoughthat I have my parents still.
Ok, guys, can you help us outif we need?
Shay Cook (06:01):
it.
Tanisha Allen (06:01):
Exactly yeah.
Worst case scenario themilitary still does, I think,
interest-free loans foremergency.
Shay Cook (06:07):
They do.
They have their emergencyrelief societies, yeah, so
depending on what's happening.
Tanisha Allen (06:14):
There's some steps that I could take.
I should go back.
My very first thing is I'mgoing to God and be like okay
what's happening?
What do you need me to do?
What should what do you?
What's happening?
What do you need me to do?
What should you be?
What am I supposed to learn?
Situation you know, was Ispending too much?
And this is a way for you totell me yeah, yeah, you know,
are you blocking something majorfrom happening?
Was there fraud or somethingthat was about that?
(06:35):
God is like let me put this inplace, because stuff like that
happens too.
You know, god will usesomething that isn't necessarily
great to prevent further harmor further damage.
So I would be prayerful to aska whole bunch of questions to
assess my situation.
Shay Cook (06:53):
And see I'm crazy.
So I'll be like what in the isgoing on?
I start calling people likewhat is your account froze?
Is it because my account froze?
Or I'd call my husband,probably my daughter.
Be like, check your accounts,mom and dad.
Everybody texts everybody.
I go crazy.
I I'm like I'll be like okay,like in the midst I'll be like
Lord, what's going on?
But then I'm trying to figureit out.
Go to the news.
That's me.
I'm like all over the place,like I'll be my husband.
(07:15):
Be like all right, let's calmdown, I can see it already
because I'm girl.
What's going on out here?
I know when I went crazy whenthere was no internet in the
neighborhood, I was just like ohmy God, I can't work.
Oh my God, I need internet.
I'm trying to use my hotspot.
But because the internet wasout, everybody's using the
hotspot.
I mean.
So I can only imagine if mybank accounts were frozen.
(07:37):
I don't know.
I'm crazy, I'm dramatic and Iknow somebody would probably
have to knock me out a littlebit and I wake up and be like
it's just like all right, whydid you knock me out?
Because you were acting crazy.
So like, and then now let'sfigure it out.
Then I'll get into the morerational mind of it all, like
all right, lord, like you said,and then like try to research
and see what's going on and thenask family if I need to or pull
(07:59):
from another account orwhatever the situation is.
But yeah, all right.
Last question how does faithchange the way we think about
financial security?
Tanisha Allen (08:07):
Well, as much as I would like to say that, like,
okay, we go to God first foreverything.
Right, I know that a lot oftimes that isn't our initial
reaction.
But once we recognize, once wekind of get over maybe the
initial shock or the initialscare, you know we should be
comforted by the fact that wehave our faith in God and Christ
and we have the Holy Spiritthat he's able to tell us on the
(08:30):
inside like, okay, it'ssomething I truly need to stress
about.
Is this something I really needto worry about?
God will consistently remind usand he does this in the Bible
over and over again about who weshould have our faith and our
trust in right.
Like you know, he's constantlytelling us not to fear.
He's constantly telling us totrust in him.
You know we constantly are ableto see his hand in different
(08:52):
things, including the world, thegovernment, secular society and
all of that.
The Bible tells us stories inalmost every generation that the
Bible covers, of God being theone actually in control, god
even manipulating and usingpeople in government or the
government itself in order tocarry out whether it's his
(09:14):
judgment or whether to carry outhis blessings, and because of
that, it is a reminder to usthat the little things or the
day-to-day things don't reallyhave to have us up in arms.
We're human, we are born intosin, so we know that it's going
to be stressful and we know thatwe're going to probably be
anxious and all of that.
But these worldly systems arenot a surprise to God.
(09:37):
The way that they've been puttogether are not a surprise to
God.
Honestly, a lot of times, youknow, we forget the different
prophecies that's been providedto us in the Bible because we
will sit there and look outsideand be like, okay, I read this
before.
I know that I don't have to putmy heart and faith in the
temporal treasures of this world, because our true treasures are
(09:59):
with God and our true treasuresare stored up in heaven.
Right, that's our financialsecurity.
God is going to take care of usno matter what, and that's for
every income level, every classlevel and all of that Like.
I don't want it to come acrossas like for those of us that
have financial security, we'rethe ones that don't have to
(10:20):
worry, because I've been on theflip side, where I haven't had
financial security, I haven'thad money and my faith still had
to be strong.
Even more so, and even more so.
Yeah Be told.
Usually the ones that don'thave the financial security have
more faith.
They have to, they're the onesthat are getting through this
time.
Shay Cook (10:37):
Yeah, because we've been comfortable.
And those that have beencomfortable are like ah, and the
people are like man, I've beenthrough this before.
And the people like man, I'vebeen through this before Like
I'm in this now.
What are you talking about?
I ain't got no money in my bankaccount now.
What are you talking about?
Accounts froze, my account'snegative, what?
Tanisha Allen (10:50):
are you talking about?
It can only benefit me, becausenothing coming out now.
Shay Cook (10:55):
That's real, though.
That's real.
I got family members out therestill be having negative NSFs
and all that.
You know, whatever it is, butit is.
You got to go through what yougot to go through, all right,
well, cool.
I love that rapid fire section.
Yes, I told the last uh, ourguests that we're going to get
us a um jingle for rapid fire,something like that.
(11:16):
I don't know, yes, so let's talkabout this, this main
discussion of banking on God.
So why putting faith in moneyis risky?
I mean, I've seen a lot ofpeople from higher ups.
We've seen the videos, thedocumentaries about those
billionaires and millionairesthat have literally I'm going to
(11:36):
go all the way there y'all thathave committed suicide because
they put all their faith intheir money instead of God.
And then they're like, oncethey lose it, the market crashes
and they ain't got no moremoney.
They're like ain't nothing tolive for, let me go kill myself.
You know that's real, and noteven thinking about the family
on it and I'm sure they arethey're like how am I going to
protect my family or provide formy family if all my money's
(11:58):
gone?
But that's because all of theirfaith was, was in money.
Tanisha Allen (12:01):
Yeah, so we know the famous scripture.
It'll get misquoted all thetime.
Right Money, yes it's allmisquoted.
The love of money.
Yeah, exactly it's this reasonhere, right?
It's because if we're puttingour trust and our hope and our
faith in money itself, money is.
(12:22):
It can't do anything on its ownright.
Shay Cook (12:25):
It's a tangible tool.
It's a tool.
Tanisha Allen (12:30):
And so we have to use it and we have to decide
how we use it in order for it tohave any type of quote unquote
power.
And so if we give it all of thispower and we assign it this
worth that it isn't valued atright, like a dollar bill is
valued at a dollar.
(12:52):
I should not put into thatdollar bill the worth of my life
.
I shouldn't assign that dollarbill the worth of my family, and
that's what we do when we are.
You know I'm not going to spendtime with my family because I'm
about making money and you know, excessively right, because
we're still called to obviouslytake care of our households.
(13:12):
But when we assign more valueonto a dollar than we assign to
our faith, that we assign to ourrelationships, that's where you
start to see that slide of, welose ourselves mentally, like if
we're going all the way thereand we're talking about people
(13:33):
that are taking their livesbecause they've lost money or
the depression that normallyfollows after there's been like
a huge financial hit, it'sbecause we are assigning
entirely too much worth toactual money when in reality,
you know we need to find ourworth and our value in other
(13:54):
things, first and foremost,jesus Christ right.
And then after that, it's ourfamily and our households, and
then you know our purpose things.
After that, it's our family andour households, and then our
purpose things like that, ourcommunity, and I'm a firm
believer that when you do that,what's meant to be yours will
follow.
Shay Cook (14:09):
Whether that's.
Tanisha Allen (14:10):
You're meant to be a millionaire.
I don't think anybody's meantto be a billionaire, but if
you're meant to be a millionaire, God is going to bless you with
that, If you're meant to be athousandaire God is going to
bless you with that you know.
If you're meant to just livewith what you currently have,
that might be paycheck topaycheck God is going to give
you what you can handle, but Godis also going to give you what
(14:31):
you're meant to have If you're,you know, living within his will
and doing things in the orderthat he asks you to do.
There's not many successstories of millionaires and
billionaires out there that areliving for the world and putting
their hope and faith in moneyand it worked out successfully.
Shay Cook (14:47):
Yeah, it really isn't .
Yeah, I'm sitting here tryingto think there's not many and if
you are, if you guys arelistening, please chime in.
But yeah, wow, you said so manygood things and so many points
of just putting our faith insomething like money.
I mean, I'd rather put it inman than money.
(15:08):
I mean, even starting with wantto put it in, should put it in
God, but not even in people.
But people really do put it inmoney and then we'll have people
slave for this thing and workso hard and they don't pay them
fairly and all the things thatgo with it so they can keep all
that money in their pocket.
I mean, it drives me crazy whenI hear about these CEOs of these
(15:31):
companies, these owners, these,you know, and they're like
ripping the staff off and justwanting to pay the minimum wage,
like this whole thing of notwanting to go to $15 an hour.
Like $15 an hour ain't going toget you nowhere either, but
still, at the federal level it'sstill.
I think $7 or $8 an hour is theminimum rate, just like, yeah,
$7.50.
(15:52):
It's crazy.
I mean, who can live inanywhere in this world?
For at least, especially inAmerica, I don't care if you're
a missus, the in the poor deepmississippi, alabama, or even in
the rich parts of you know, la,or wherever you know, miami,
and we can go up in californiaand boston, new york, I mean the
list goes.
Shoot this area of dmv likehawaii number one.
(16:14):
Ain't nobody living off of 750an hour, me, you know.
They're putting all this faithin the money and taking away
from people and that's not fair.
It's not fair at all.
Tanisha Allen (16:26):
I think that we can dive deeper into it.
Right?
Because not only just faith inmoney.
Now we're talking about beingprideful and being greedy,
because all of that is attachedto that love.
Shay Cook (16:38):
It is all attached.
Tanisha Allen (16:39):
So it's like you know well, I can't help the
people beneath me because it'staking from my pie, even though
my pie is at a million plusdollars.
You know I can't help anybodybeneath me because then I'm
going to be.
You know I'm not going to havemy million dollars.
You'll have more than you need,more than you could possibly
spend in this lifetime, but youstill feel like it's not enough.
(17:02):
Yeah, it's all about greed.
It's all this hoarder mentality,honey, that you know, and it's
not even you know.
Most of us don't have it incash that we can see it right.
Most of it is a digital numberin our bank account.
But it's just like this mindsetof I have to hoard it all, I
have to keep it all, I can't doanything with it.
(17:23):
We now are seeing, I think youknow, quite a few billionaires
are taking the pledge of wherethey're not taking any of their
money with them or they're notgoing to leave their estate much
, and we see them giving away somuch money at this point in
time and it makes me think like,okay, what if, instead of the
(17:43):
time that you took to earn allof that money, because most of
it was done on the backs ofother people what if you just
paid your?
Shay Cook (17:51):
people fairly.
Girl, I knew you were goingthere.
What if you just paid yourpeople fairly?
Instead of taking the millionsof dollars of bonuses, why don't
you just pay your people?
Why don't you give them thebenefits they need to live a
quality of life?
That is just, oh my God,monumental.
That is just wow.
People, I mean.
I'm sitting here thinking that.
(18:11):
I mean, even looking at thetitle of security beyond the
systems, like you know, you'reso.
These people are so stuck intheir systems and their mind and
their pride and, like you said,in their greed.
How about you just share thewealth, like from the beginning?
What?
Tanisha Allen (18:25):
do you have to lose?
You know what?
I'm saying You're no longer abillionaire, but now you're a
millionaire.
Is it giving you access?
And it does right.
There's obviously rooms thatpeople are able to walk into.
Yeah.
Shay Cook (18:41):
People are able to buy governments and I was about
to say control elections buypresidents there is some power
there, don't make it right.
Tanisha Allen (18:49):
Don't make it the right kind of power, because I
mean, hello God, don't like thateither so that's what I was
going to say is the fact thatyou have access to this type of
power, but we also know thatthat's not the type of power
that you need access to.
You have access to this type ofpower, but we also know that
that's not the type of powerthat you need access yeah, yeah,
you need access to the power ofthe holy spirit, which you
can't buy.
You need access to the power ofjesus that you can't buy.
You need access to the power ofgod that you cannot buy.
(19:11):
So it's like, if you can't buy,where the true power is and the
power that you are able to buy,there there's nothing even in
there.
It is worthless.
So you're spending all of thismoney and I sit there and I
think of the book of Daniel andNebuchadnezzar and the prophecy
that was given to him as far as,like, you're gonna see your
(19:36):
kingdom fall and this is howit's going to fall.
You're gonna get so prideful,you're going to become this type
of person and we watch ithappen in the book of Daniel.
I will say, like it is verysimilar to what is happening
today and this is where, like, Ifall back on, like I don't have
to worry too much because Iknow the judgment that comes
(19:59):
from that.
But one thing that we do have torecognize is that it's going to
be troublesome.
It's going to be difficult.
The people are going to suffer,unfortunately, but at the end
of the day, because our faith isin Christ, because you know,
god has already declared thevictory, and he declared that as
soon as sin happened Genesis 3,at the very beginning, he told
(20:22):
us that we had the victory andhow we were going to get the
victory.
And that's what the rest of theBible is about.
It's giving us the vision ofthat victory, and we'll
obviously see it with the secondcoming of Christ as well.
So that reminder is like Idon't care what happens in this
world.
I've seen it before.
If we have read our Bibles, wehave seen it before.
We know that these kingdoms aregoing to fail, no matter how
(20:46):
big they get, because everysingle kingdom has been the
greatest kingdom at some pointin time and it has failed.
Shay Cook (20:53):
That's why my daughter always talks about that
250-year cycle of kingdomsfalling.
And we're almost there.
Y'all Like I think America is249, 248, 249.
I don't know the numbers, but Iknow we're getting close there
and I mean so.
No matter when that falls, nomatter if the banking systems
fail, we have the victorythrough God.
What?
Tanisha Allen (21:13):
was it 2008?
We saw through a banking crisisbefore?
We sure have, yeah, you knowwhere the banks were too big to
fail.
Shay Cook (21:22):
They failed.
They failed and we had to bailthem out.
The government We've done this,the government that they're
trying to shut down had to bailyou out, right.
Tanisha Allen (21:32):
And all of the agencies and stuff that came out
of that, to prevent it fromhappening again.
Shay Cook (21:37):
Shutting them down, and they're shutting them down
too.
Rip CFPB.
Tanisha Allen (21:42):
Yeah, we're doing these things without a regard
to what has happened in history.
We are repeating historybecause we don't want to honor
history, we don't want toremember history, but none of it
is new.
There is nothing new under thesun, the banking systems, our
financial systems, ourgovernment systems.
Don't put your faith in it.
(22:03):
Use them.
There are tools, there areresources.
Use your god given wisdom withthose systems, but they are not
permanent and they won't be inheaven.
Shay Cook (22:13):
I don't really think that we'll be in heaven swiping
debit cards like no, there yougo cash out Venmo, paypal and
Evan, and I'll be happy aboutthat because it's too many
electronic systems that can'tkeep up with everything.
But I mean even just talkingabout all this practical ways to
build security beyond thebanking system, I mean we can
(22:35):
say, oh well, let's go back toputting money under the mattress
.
But there's a lot of people,like we were talking earlier
before the episode, it's likepeople are still scared to use
the banking system.
They don't trust it.
There's a lot of unbanked blackand brown people out there, and
I'm sure even beyond that, arejust like no, I don't trust
y'all.
I don't trust y'all, and sad.
I mean I've always had a bankaccount since I was younger.
(22:57):
My parents made sure we did,but it's real out there.
I mean because 500 banks havefailed since 2001, reminding us
that financial security is notguaranteed.
But what would you tell yourclient if they're like Tanisha?
You know I'm scared, I don'tknow what to do.
I don't want to put my money inthe bank, or even a credit
union, which I'm trying to tellpeople to lean more to credit
unions because they're communityowned.
(23:18):
I really am a supporter of thecredit unions and no disrespect
to a bank.
I have to use banks for thebusiness, but when it comes to
personal, I use both.
But yeah, what would you tell aclient?
Do you know how often housefires happen?
That's a good one.
Tanisha Allen (23:31):
That's a good one .
I mean you honestly, if we'regoing to fight fear for fear.
What's more common?
Shay Cook (23:38):
Yeah, a house fire.
Tanisha Allen (23:39):
A house fire, You're right If you have all of
your cash under your mattress orall of your cash in the back of
your closet or all of your cashin your house somewhere.
Mm-hmm, if your house was tocatch fire and I know it's
difficult to understand becauseyou know, oh, that can never
happen to me It- happens.
Shay Cook (23:57):
Has anybody?
Tanisha Allen (23:58):
in your neighborhood caught fire, you
don't have to be responsible forthe fire happening.
For your life to be impacted bya fire, right?
We had here in Hawaii not toolong ago.
It was actually on New Year'sEve.
There was a fireworks explosionin a neighborhood.
Fireworks are illegal in Hawaii.
You shouldn't do fireworksanyway here, but somebody did.
(24:19):
They were in the street, itblew up, but it went in the
direction towards where they hadall the other fireworks.
Oh God Guys, it wasn't justtheir house that was destroyed.
Yeah, it was all of the housesin the area.
If you're next door to somebodydoing something foolish, or
even if it's just an accident orlike a driver event or
(24:40):
something catches on fire, itcan still impact your house.
If you're the one that has$500,000 stuffed underneath your
mattress because you don'ttrust banks, you have now just
lost all of that money.
Shay Cook (24:55):
You're probably don't got no insurance.
Yeah, we were thinking the samething.
Tanisha Allen (24:59):
There is.
You know, there is no guaranteeyou might be able to get a
little cash back if you can getan insurance company and you get
some amount of payment, but Ican guarantee you won't be
anywhere near what.
So we have to think in terms ofthat.
A house fire is probably waymore common than you know, the
bank collapsing or whatever Tothat.
(25:21):
You know, a lot of times peoplemay not have a choice.
They may not have options.
There are starting to becomemore and more alternatives out
there, or are major banks thatyou may be able to do.
Like you said, I'm a bigbeliever in the credit union.
Credit union is in thecommunity.
They're the ones that buildrelationships with you.
(25:41):
If you go inside of your creditunion and talk to them, most of
the time you can walk out witha bank account.
Now, of course, depending onwhat your history is and stuff,
if you've abused bank accountsand stuff like that, it's going
to be a lot harder, but thoseare the consequences of your
actions.
That's where now you have tostart kind of building trust
again in the systems, and youmay have to use something like a
(26:02):
cash app or those otherplatforms like that, but if you
can get a bank account and youhave access to a bank a hundred
percent, I'm telling my clientsto do it.
On top of that is if there's anytype of emergency and part of
what we do as financialcounselors is having to kind of
(26:24):
walk through emergencies withpeople A lot of times it's not
those big banks that's going tobe able to help you get out of
that situation.
A lot of times it's your localcredit union that you walk in
the door and they recognize youand you're able to sit down and
tell them you know what?
I have a surgery coming up andthis is the deductible and I
just don't have it.
How can I get some help?
(26:45):
Or you know, my car just brokedown.
There's no way I can fix it.
I need a small loan in order toyou know help, but I need a
decent interest rate.
Those are things where you canwalk into a credit union that
you have a relationship with andtalk to them about it, and
they're able to do a lot morethan a bank that, unfortunately,
(27:07):
only sees you as a number.
That's where community isimportant and this is where our
faith comes in right, and that'swhere community is important
and this is where our faithcomes in right.
Our faith tells us that we needcommunity and that we need to
lean into community.
Shay Cook (27:19):
And you know, we can get that more often from a
credit union than a bigger bank,and that doesn't mean that
there's not some good banks outthere.
But I think those communitybanks are just, you know,
there's some really goodcommunity and some bigger ones
out here.
It's all depending on wherethey're at, because, you know,
(27:40):
that can be a big thing too,like different branches and
locations, and the service isnot always standard.
So you know.
So, wow, well, that was great.
So you know, true security, aswe've been talking about, comes
from God, not financialinstitutions, y'all right.
So I would suggest, you know,diversifying your financial
safety net and just trusting inGod's provision.
So, you know, maybe having abank account and a credit union
account, you know, anddiversifying from there in
(28:02):
different ways.
But yeah, there is number oneis God, trusting in God's
protection and provision.
So any final thoughts?
Last thoughts?
Tanisha Allen (28:12):
I will just say you know we're not saying not to
keep any cash on hand.
Yeah, exactly, I think it isbeneficial to have some cash.
My thought process with it iswhat am I comfortable with
losing?
If I was to keep it on hand,whether that's on my person and
somebody steals it, or if it'sat home and, like you say,
catches on fire or somethinglike that, what am I comfortable
(28:32):
with losing?
And I don't mean like I'm noteven comfortable losing a dollar
.
Give yourself a certain amount.
How much would not break thebank per se?
How much are you trulycomfortable with If you lost it,
it wouldn't be painful and thatis the amount that you keep at
home.
For those of us that liveanywhere near where we get
impacted by hurricanes and stufflike that, most of the time we
(28:53):
have to have some type of cashin our emergency packets just in
case the ATMs go down.
So that's what you wanna keepin mind.
We also don't wanna have ourlives ruled by fear.
So if you're afraid of banks orafraid of different things
happening with the economy, theway that it is, all of that,
just take your fears directly toGod.
Tell him exactly what you'reafraid of, ask him to identify
(29:17):
and address each one.
Where's the fear rooted in?
How can you just get rid of thefear?
How can you pray away the fear?
How can you read scripture overthe fear?
Just go to God with all of yourconcerns and your fears, and he
will truly provide you withpeace.
Shay Cook (29:33):
You know, the system may not change.
Tanisha Allen (29:35):
You know things may not change immediately or
right away, but he's going to atleast be able to provide you
with the peace.
I can guarantee you that Iagree with that.
Shay Cook (29:42):
I would just add in these last thoughts that there
are fireproof safes so you caninvest in one of those.
I've always had one, and thenthey got the small ones and they
got the big ones.
I've always had one, and thenthey got the small ones and they
got the big ones.
I even got my daughter one.
But I would also add yeah,lately I've been dealing with a
lot of anxiety, a lot of justbeing afraid and dealing with
fear, and only thing that'sgotten me through this time
(30:03):
right now, is meditating on hisword and on him, period.
I'm in the bed at night andI'll keep sharing this until I
cry, until I die, because I knowI'm human and we.
What they say fear is beingafraid is mentioned in the Bible
a lot because it's a real humanemotion y'all and we have to
recognize that and not havestigma about talking about it.
We are fearful animals andpeople, human beings, and for me
(30:28):
, for Shea Cook, what gets methrough is meditating on the
word.
That is the only thing thatgets me through.
Ain't no alcohol, ain't noother vice get me through.
The meditating on the word,that is the only thing that gets
me through.
Ain't no, alcohol ain't noother vice get me through the
fear and anxiety like that.
So I just want to leave thatwith you guys and hope all is
well, praying for everyone inthis nation and thank you for
joining us.
Again.
A big thank you for listeningto this episode.
(30:51):
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.
For the latest Yahweh's Moneycontent, visit us at
crusaders4changeorg or find usanywhere you listen to podcasts.
(31:12):
Until next time, stayfinancially fit and spiritually
inspired and remember it'salways better Yahweh's way.
I know that I don't have to put my heart and
faith in the temporal treasuresof this world, because our true
treasures are with God and ourtrue treasures are stored up in
heaven.
Right, that's our financialsecurity.
God is going to take care of usno matter what, and that's for
every income level, every classlevel and all of that.
(00:24):
Like I don't, I don't want itto come across as like for those
of us that have financialsecurity, we're the ones that
don't have to worry, becauseI've been on the flip side,
where I haven't had financialsecurity, I haven't had money
and my faith still had to bestrong.
Even more so, and even more so.
Yeah, be told.
Usually the ones that don'thave the financial security have
more faith.
They have to.
Usually the ones that don'thave the financial security have
(00:45):
more faith.
Shay Cook (00:45):
They have to.
Tanisha Allen (00:45):
They're the ones that are getting through these
times.
Shay Cook (00:47):
Yeah, because we've been comfortable.
And those that have beencomfortable are like, ah, and
the people are like man, I'vebeen through this before Like
I'm in this now.
What are you talking about?
I ain't got no money in my bankaccount now.
What are you talking about?
Account my count's negative.
(01:10):
What are you talking about?
Ever felt those awkward vibeswhen 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.
Join us on our journey as wediscuss topics like tithing,
saving and conquering debtthrough religious perspectives.
Let's get started.
(01:35):
Hey everyone, welcome back toanother episode of Yahweh's
Money.
The amazing Tanisha Allen isjoining us again on Banking, on
God Security Beyond the Systems.
Oh, I love that.
Hey, Tanisha girl, how are youdoing today?
I'm good.
How are you?
I'm here, I'm making it.
You know, I'm blessed, I'm good.
There's life is lifing,everybody want to add an ING to
(01:56):
everything.
So, you know, I'm here and I'mglad to be here with you again
to talk about banking on GodBecause, honestly, in these
times and any time, honestly,that's when you only should be
banking on God, you should bedependent on God.
I know, in the previous episodeor recent episode with Adriana,
she's like you only have twochoices despair or dependence.
(02:17):
I was like, yes, girl,dependence, I'm just here
because, if not, you're going tobe despair, you're going to be
in shock, you're going to bejust all over the place and we
don't want that.
So you know, but it's real,with these banks and economic
issues going on right now.
Right, I mean, bank failuresare real, economic crises, they
shake the world, but thesecurity is, or, but our
(02:38):
security is, in Christ.
Right, let's talk about whereto place our trust.
The main scripture for thisepisode is Psalm 27.
Some trust in chariots and somein horses, but we trust in the
name of the Lord, our God.
I mean amen, I mean every timeI see that I'm just like Lord,
I'm just so thankful to God andjust everything he's doing.
(03:00):
Did you want to speak on thatbefore we get into the rapid
fire questions, it's truth, it'squestions, it's truth.
Tanisha Allen (03:07):
I mean, we place like so much trust in our
worldly things and it's like why, when the world didn't create
itself, you know, the thingsthat we put our trust in didn't
create itself.
Give me God all day, every day,every day, all day.
Shay Cook (03:22):
I love that, because all this stuff temporary.
You can't take none of it withyou, so I don't even know why we
stressing about it.
You're going to die.
You're going to wake up,hopefully in heaven You'll be
like all that stuff I wasworrying about.
I don't even know Exactly.
All right, let's get into theserapid fire questions.
So have you ever worried aboutyour bank account being safe?
Tanisha Allen (03:42):
Yes, Really Wow.
I've worked in banking for solong that I know the ins and
outs and I know things that canhappen, that shouldn't happen
and all of that you know.
Most of the time I try not tofear too much what's happening
in my bank account because Ireally don't have control over
the majority of it, right Like,I try to control what I can
control, but the way thatscammers and stuff are set up
(04:03):
nowadays, you always got to kindof keep an eye on your bank
accounts, make sure you're notgiving out too much information
and somebody take information,the way fraud works, somebody
swipe your card.
All of that the way the worldis going now and people getting
access to our personalinformation that shouldn't have
access to our personalinformation.
You never know, I take a look atmy account every single day and
(04:25):
I'm just like you're stillthere, thank you.
Shay Cook (04:27):
Exactly Right.
Yeah, you got to look at notonly your bank accounts, with
your savings and checkings andall in between there and beyond
that, but it's the credit cardstoo, all the things attached to
the bank, all of the lines ofcredit, everything, because it's
just out here.
I've never really worried aboutit.
I worked in the credit unionsfor a while there too, but in
this present time, with all ofthe scams and spam and oh my God
(04:50):
, the texts that we're getting,I'm like, oh my God, they're
talking about tolls, they'retalking about this.
I need to go check on myaccount because they might've
gotten access.
It's just crazy.
And one time they had done Iwas at Thanksgiving two or three
years ago I was going throughmy email and I saw somebody had
bought an Oculus through mypersonal account, but they used
my business card.
I'm like, what in the?
(05:10):
It was just crazy.
So you definitely got to bevigilant, wow.
So next question what would youdo if bank froze your accounts
today or tomorrow?
Tanisha Allen (05:20):
Look, I probably would just take a day to be like
you know what.
Let me give them some time tofigure this out.
And then, if it was something,take a day to be like you know
what, let me give them some timeto figure this out.
And then, if it was somethingthat was going to be prolonged,
then that's when I got to startlooking at.
Ok, what do I have?
You know, is it all accounts?
Is it every everything I own isfrozen.
How much food do I have at themoment?
Oh yeah, the day before I wasgoing to go grocery shopping, I
(05:42):
probably would start to kind ofjust like OK, assess the
situation.
How much of my financial lifeis frozen?
What do I have access to?
Is it just me?
Is this worldwide?
You know, I'm blessed enoughthat I have my parents still.
Ok, guys, can you help us outif we need?
Shay Cook (06:01):
it.
Tanisha Allen (06:01):
Exactly yeah.
Worst case scenario themilitary still does, I think,
interest-free loans foremergency.
Shay Cook (06:07):
They do.
They have their emergencyrelief societies, yeah, so
depending on what's happening.
Tanisha Allen (06:14):
There's some steps that I could take.
I should go back.
My very first thing is I'mgoing to God and be like okay
what's happening?
What do you need me to do?
What should what do you?
What's happening?
What do you need me to do?
What should you be?
What am I supposed to learn?
Situation you know, was Ispending too much?
And this is a way for you totell me yeah, yeah, you know,
are you blocking something majorfrom happening?
Was there fraud or somethingthat was about that?
(06:35):
God is like let me put this inplace, because stuff like that
happens too.
You know, god will usesomething that isn't necessarily
great to prevent further harmor further damage.
So I would be prayerful to aska whole bunch of questions to
assess my situation.
Shay Cook (06:53):
And see I'm crazy.
So I'll be like what in the isgoing on?
I start calling people likewhat is your account froze?
Is it because my account froze?
Or I'd call my husband,probably my daughter.
Be like, check your accounts,mom and dad.
Everybody texts everybody.
I go crazy.
I I'm like I'll be like okay,like in the midst I'll be like
Lord, what's going on?
But then I'm trying to figureit out.
Go to the news.
That's me.
I'm like all over the place,like I'll be my husband.
(07:15):
Be like all right, let's calmdown, I can see it already
because I'm girl.
What's going on out here?
I know when I went crazy whenthere was no internet in the
neighborhood, I was just like ohmy God, I can't work.
Oh my God, I need internet.
I'm trying to use my hotspot.
But because the internet wasout, everybody's using the
hotspot.
I mean.
So I can only imagine if mybank accounts were frozen.
(07:37):
I don't know.
I'm crazy, I'm dramatic and Iknow somebody would probably
have to knock me out a littlebit and I wake up and be like
it's just like all right, whydid you knock me out?
Because you were acting crazy.
So like, and then now let'sfigure it out.
Then I'll get into the morerational mind of it all, like
all right, lord, like you said,and then like try to research
and see what's going on and thenask family if I need to or pull
(07:59):
from another account orwhatever the situation is.
But yeah, all right.
Last question how does faithchange the way we think about
financial security?
Tanisha Allen (08:07):
Well, as much as I would like to say that, like,
okay, we go to God first foreverything.
Right, I know that a lot oftimes that isn't our initial
reaction.
But once we recognize, once wekind of get over maybe the
initial shock or the initialscare, you know we should be
comforted by the fact that wehave our faith in God and Christ
and we have the Holy Spiritthat he's able to tell us on the
(08:30):
inside like, okay, it'ssomething I truly need to stress
about.
Is this something I really needto worry about?
God will consistently remind usand he does this in the Bible
over and over again about who weshould have our faith and our
trust in right.
Like you know, he's constantlytelling us not to fear.
He's constantly telling us totrust in him.
You know we constantly are ableto see his hand in different
(08:52):
things, including the world, thegovernment, secular society and
all of that.
The Bible tells us stories inalmost every generation that the
Bible covers, of God being theone actually in control, god
even manipulating and usingpeople in government or the
government itself in order tocarry out whether it's his
(09:14):
judgment or whether to carry outhis blessings, and because of
that, it is a reminder to usthat the little things or the
day-to-day things don't reallyhave to have us up in arms.
We're human, we are born intosin, so we know that it's going
to be stressful and we know thatwe're going to probably be
anxious and all of that.
But these worldly systems arenot a surprise to God.
(09:37):
The way that they've been puttogether are not a surprise to
God.
Honestly, a lot of times, youknow, we forget the different
prophecies that's been providedto us in the Bible because we
will sit there and look outsideand be like, okay, I read this
before.
I know that I don't have to putmy heart and faith in the
temporal treasures of this world, because our true treasures are
(09:59):
with God and our true treasuresare stored up in heaven.
Right, that's our financialsecurity.
God is going to take care of usno matter what, and that's for
every income level, every classlevel and all of that Like.
I don't want it to come acrossas like for those of us that
have financial security, we'rethe ones that don't have to
(10:20):
worry, because I've been on theflip side, where I haven't had
financial security, I haven'thad money and my faith still had
to be strong.
Even more so, and even more so.
Yeah Be told.
Usually the ones that don'thave the financial security have
more faith.
They have to, they're the onesthat are getting through this
time.
Shay Cook (10:37):
Yeah, because we've been comfortable.
And those that have beencomfortable are like ah, and the
people are like man, I've beenthrough this before.
And the people like man, I'vebeen through this before Like
I'm in this now.
What are you talking about?
I ain't got no money in my bankaccount now.
What are you talking about?
Accounts froze, my account'snegative, what?
Tanisha Allen (10:50):
are you talking about?
It can only benefit me, becausenothing coming out now.
Shay Cook (10:55):
That's real, though.
That's real.
I got family members out therestill be having negative NSFs
and all that.
You know, whatever it is, butit is.
You got to go through what yougot to go through, all right,
well, cool.
I love that rapid fire section.
Yes, I told the last uh, ourguests that we're going to get
us a um jingle for rapid fire,something like that.
(11:16):
I don't know, yes, so let's talkabout this, this main
discussion of banking on God.
So why putting faith in moneyis risky?
I mean, I've seen a lot ofpeople from higher ups.
We've seen the videos, thedocumentaries about those
billionaires and millionairesthat have literally I'm going to
(11:36):
go all the way there y'all thathave committed suicide because
they put all their faith intheir money instead of God.
And then they're like, oncethey lose it, the market crashes
and they ain't got no moremoney.
They're like ain't nothing tolive for, let me go kill myself.
You know that's real, and noteven thinking about the family
on it and I'm sure they arethey're like how am I going to
protect my family or provide formy family if all my money's
(11:58):
gone?
But that's because all of theirfaith was, was in money.
Tanisha Allen (12:01):
Yeah, so we know the famous scripture.
It'll get misquoted all thetime.
Right Money, yes it's allmisquoted.
The love of money.
Yeah, exactly it's this reasonhere, right?
It's because if we're puttingour trust and our hope and our
faith in money itself, money is.
(12:22):
It can't do anything on its ownright.
Shay Cook (12:25):
It's a tangible tool.
It's a tool.
Tanisha Allen (12:30):
And so we have to use it and we have to decide
how we use it in order for it tohave any type of quote unquote
power.
And so if we give it all of thispower and we assign it this
worth that it isn't valued atright, like a dollar bill is
valued at a dollar.
(12:52):
I should not put into thatdollar bill the worth of my life
.
I shouldn't assign that dollarbill the worth of my family, and
that's what we do when we are.
You know I'm not going to spendtime with my family because I'm
about making money and you know, excessively right, because
we're still called to obviouslytake care of our households.
(13:12):
But when we assign more valueonto a dollar than we assign to
our faith, that we assign to ourrelationships, that's where you
start to see that slide of, welose ourselves mentally, like if
we're going all the way thereand we're talking about people
(13:33):
that are taking their livesbecause they've lost money or
the depression that normallyfollows after there's been like
a huge financial hit, it'sbecause we are assigning
entirely too much worth toactual money when in reality,
you know we need to find ourworth and our value in other
(13:54):
things, first and foremost,jesus Christ right.
And then after that, it's ourfamily and our households, and
then you know our purpose things.
After that, it's our family andour households, and then our
purpose things like that, ourcommunity, and I'm a firm
believer that when you do that,what's meant to be yours will
follow.
Shay Cook (14:09):
Whether that's.
Tanisha Allen (14:10):
You're meant to be a millionaire.
I don't think anybody's meantto be a billionaire, but if
you're meant to be a millionaire, God is going to bless you with
that, If you're meant to be athousandaire God is going to
bless you with that you know.
If you're meant to just livewith what you currently have,
that might be paycheck topaycheck God is going to give
you what you can handle, but Godis also going to give you what
(14:31):
you're meant to have If you're,you know, living within his will
and doing things in the orderthat he asks you to do.
There's not many successstories of millionaires and
billionaires out there that areliving for the world and putting
their hope and faith in moneyand it worked out successfully.
Shay Cook (14:47):
Yeah, it really isn't .
Yeah, I'm sitting here tryingto think there's not many and if
you are, if you guys arelistening, please chime in.
But yeah, wow, you said so manygood things and so many points
of just putting our faith insomething like money.
I mean, I'd rather put it inman than money.
(15:08):
I mean, even starting with wantto put it in, should put it in
God, but not even in people.
But people really do put it inmoney and then we'll have people
slave for this thing and workso hard and they don't pay them
fairly and all the things thatgo with it so they can keep all
that money in their pocket.
I mean, it drives me crazy whenI hear about these CEOs of these
(15:31):
companies, these owners, these,you know, and they're like
ripping the staff off and justwanting to pay the minimum wage,
like this whole thing of notwanting to go to $15 an hour.
Like $15 an hour ain't going toget you nowhere either, but
still, at the federal level it'sstill.
I think $7 or $8 an hour is theminimum rate, just like, yeah,
$7.50.
(15:52):
It's crazy.
I mean, who can live inanywhere in this world?
For at least, especially inAmerica, I don't care if you're
a missus, the in the poor deepmississippi, alabama, or even in
the rich parts of you know, la,or wherever you know, miami,
and we can go up in californiaand boston, new york, I mean the
list goes.
Shoot this area of dmv likehawaii number one.
(16:14):
Ain't nobody living off of 750an hour, me, you know.
They're putting all this faithin the money and taking away
from people and that's not fair.
It's not fair at all.
Tanisha Allen (16:26):
I think that we can dive deeper into it.
Right?
Because not only just faith inmoney.
Now we're talking about beingprideful and being greedy,
because all of that is attachedto that love.
Shay Cook (16:38):
It is all attached.
Tanisha Allen (16:39):
So it's like you know well, I can't help the
people beneath me because it'staking from my pie, even though
my pie is at a million plusdollars.
You know I can't help anybodybeneath me because then I'm
going to be.
You know I'm not going to havemy million dollars.
You'll have more than you need,more than you could possibly
spend in this lifetime, but youstill feel like it's not enough.
(17:02):
Yeah, it's all about greed.
It's all this hoarder mentality,honey, that you know, and it's
not even you know.
Most of us don't have it incash that we can see it right.
Most of it is a digital numberin our bank account.
But it's just like this mindsetof I have to hoard it all, I
have to keep it all, I can't doanything with it.
(17:23):
We now are seeing, I think youknow, quite a few billionaires
are taking the pledge of wherethey're not taking any of their
money with them or they're notgoing to leave their estate much
, and we see them giving away somuch money at this point in
time and it makes me think like,okay, what if, instead of the
(17:43):
time that you took to earn allof that money, because most of
it was done on the backs ofother people what if you just
paid your?
Shay Cook (17:51):
people fairly.
Girl, I knew you were goingthere.
What if you just paid yourpeople fairly?
Instead of taking the millionsof dollars of bonuses, why don't
you just pay your people?
Why don't you give them thebenefits they need to live a
quality of life?
That is just, oh my God,monumental.
That is just wow.
People, I mean.
I'm sitting here thinking that.
(18:11):
I mean, even looking at thetitle of security beyond the
systems, like you know, you'reso.
These people are so stuck intheir systems and their mind and
their pride and, like you said,in their greed.
How about you just share thewealth, like from the beginning?
What?
Tanisha Allen (18:25):
do you have to lose?
You know what?
I'm saying You're no longer abillionaire, but now you're a
millionaire.
Is it giving you access?
And it does right.
There's obviously rooms thatpeople are able to walk into.
Yeah.
Shay Cook (18:41):
People are able to buy governments and I was about
to say control elections buypresidents there is some power
there, don't make it right.
Tanisha Allen (18:49):
Don't make it the right kind of power, because I
mean, hello God, don't like thateither so that's what I was
going to say is the fact thatyou have access to this type of
power, but we also know thatthat's not the type of power
that you need access to.
You have access to this type ofpower, but we also know that
that's not the type of powerthat you need access yeah, yeah,
you need access to the power ofthe holy spirit, which you
can't buy.
You need access to the power ofjesus that you can't buy.
You need access to the power ofgod that you cannot buy.
(19:11):
So it's like, if you can't buy,where the true power is and the
power that you are able to buy,there there's nothing even in
there.
It is worthless.
So you're spending all of thismoney and I sit there and I
think of the book of Daniel andNebuchadnezzar and the prophecy
that was given to him as far as,like, you're gonna see your
(19:36):
kingdom fall and this is howit's going to fall.
You're gonna get so prideful,you're going to become this type
of person and we watch ithappen in the book of Daniel.
I will say, like it is verysimilar to what is happening
today and this is where, like, Ifall back on, like I don't have
to worry too much because Iknow the judgment that comes
(19:59):
from that.
But one thing that we do have torecognize is that it's going to
be troublesome.
It's going to be difficult.
The people are going to suffer,unfortunately, but at the end
of the day, because our faith isin Christ, because you know,
god has already declared thevictory, and he declared that as
soon as sin happened Genesis 3,at the very beginning, he told
(20:22):
us that we had the victory andhow we were going to get the
victory.
And that's what the rest of theBible is about.
It's giving us the vision ofthat victory, and we'll
obviously see it with the secondcoming of Christ as well.
So that reminder is like Idon't care what happens in this
world.
I've seen it before.
If we have read our Bibles, wehave seen it before.
We know that these kingdoms aregoing to fail, no matter how
(20:46):
big they get, because everysingle kingdom has been the
greatest kingdom at some pointin time and it has failed.
Shay Cook (20:53):
That's why my daughter always talks about that
250-year cycle of kingdomsfalling.
And we're almost there.
Y'all Like I think America is249, 248, 249.
I don't know the numbers, but Iknow we're getting close there
and I mean so.
No matter when that falls, nomatter if the banking systems
fail, we have the victorythrough God.
What?
Tanisha Allen (21:13):
was it 2008?
We saw through a banking crisisbefore?
We sure have, yeah, you knowwhere the banks were too big to
fail.
Shay Cook (21:22):
They failed.
They failed and we had to bailthem out.
The government We've done this,the government that they're
trying to shut down had to bailyou out, right.
Tanisha Allen (21:32):
And all of the agencies and stuff that came out
of that, to prevent it fromhappening again.
Shay Cook (21:37):
Shutting them down, and they're shutting them down
too.
Rip CFPB.
Tanisha Allen (21:42):
Yeah, we're doing these things without a regard
to what has happened in history.
We are repeating historybecause we don't want to honor
history, we don't want toremember history, but none of it
is new.
There is nothing new under thesun, the banking systems, our
financial systems, ourgovernment systems.
Don't put your faith in it.
(22:03):
Use them.
There are tools, there areresources.
Use your god given wisdom withthose systems, but they are not
permanent and they won't be inheaven.
Shay Cook (22:13):
I don't really think that we'll be in heaven swiping
debit cards like no, there yougo cash out Venmo, paypal and
Evan, and I'll be happy aboutthat because it's too many
electronic systems that can'tkeep up with everything.
But I mean even just talkingabout all this practical ways to
build security beyond thebanking system, I mean we can
(22:35):
say, oh well, let's go back toputting money under the mattress
.
But there's a lot of people,like we were talking earlier
before the episode, it's likepeople are still scared to use
the banking system.
They don't trust it.
There's a lot of unbanked blackand brown people out there, and
I'm sure even beyond that, arejust like no, I don't trust
y'all.
I don't trust y'all, and sad.
I mean I've always had a bankaccount since I was younger.
(22:57):
My parents made sure we did,but it's real out there.
I mean because 500 banks havefailed since 2001, reminding us
that financial security is notguaranteed.
But what would you tell yourclient if they're like Tanisha?
You know I'm scared, I don'tknow what to do.
I don't want to put my money inthe bank, or even a credit
union, which I'm trying to tellpeople to lean more to credit
unions because they're communityowned.
(23:18):
I really am a supporter of thecredit unions and no disrespect
to a bank.
I have to use banks for thebusiness, but when it comes to
personal, I use both.
But yeah, what would you tell aclient?
Do you know how often housefires happen?
That's a good one.
Tanisha Allen (23:31):
That's a good one .
I mean you honestly, if we'regoing to fight fear for fear.
What's more common?
Shay Cook (23:38):
Yeah, a house fire.
Tanisha Allen (23:39):
A house fire, You're right If you have all of
your cash under your mattress orall of your cash in the back of
your closet or all of your cashin your house somewhere.
Mm-hmm, if your house was tocatch fire and I know it's
difficult to understand becauseyou know, oh, that can never
happen to me It- happens.
Shay Cook (23:57):
Has anybody?
Tanisha Allen (23:58):
in your neighborhood caught fire, you
don't have to be responsible forthe fire happening.
For your life to be impacted bya fire, right?
We had here in Hawaii not toolong ago.
It was actually on New Year'sEve.
There was a fireworks explosionin a neighborhood.
Fireworks are illegal in Hawaii.
You shouldn't do fireworksanyway here, but somebody did.
(24:19):
They were in the street, itblew up, but it went in the
direction towards where they hadall the other fireworks.
Oh God Guys, it wasn't justtheir house that was destroyed.
Yeah, it was all of the housesin the area.
If you're next door to somebodydoing something foolish, or
even if it's just an accident orlike a driver event or
(24:40):
something catches on fire, itcan still impact your house.
If you're the one that has$500,000 stuffed underneath your
mattress because you don'ttrust banks, you have now just
lost all of that money.
Shay Cook (24:55):
You're probably don't got no insurance.
Yeah, we were thinking the samething.
Tanisha Allen (24:59):
There is.
You know, there is no guaranteeyou might be able to get a
little cash back if you can getan insurance company and you get
some amount of payment, but Ican guarantee you won't be
anywhere near what.
So we have to think in terms ofthat.
A house fire is probably waymore common than you know, the
bank collapsing or whatever Tothat.
(25:21):
You know, a lot of times peoplemay not have a choice.
They may not have options.
There are starting to becomemore and more alternatives out
there, or are major banks thatyou may be able to do.
Like you said, I'm a bigbeliever in the credit union.
Credit union is in thecommunity.
They're the ones that buildrelationships with you.
(25:41):
If you go inside of your creditunion and talk to them, most of
the time you can walk out witha bank account.
Now, of course, depending onwhat your history is and stuff,
if you've abused bank accountsand stuff like that, it's going
to be a lot harder, but thoseare the consequences of your
actions.
That's where now you have tostart kind of building trust
again in the systems, and youmay have to use something like a
(26:02):
cash app or those otherplatforms like that, but if you
can get a bank account and youhave access to a bank a hundred
percent, I'm telling my clientsto do it.
On top of that is if there's anytype of emergency and part of
what we do as financialcounselors is having to kind of
(26:24):
walk through emergencies withpeople A lot of times it's not
those big banks that's going tobe able to help you get out of
that situation.
A lot of times it's your localcredit union that you walk in
the door and they recognize youand you're able to sit down and
tell them you know what?
I have a surgery coming up andthis is the deductible and I
just don't have it.
How can I get some help?
(26:45):
Or you know, my car just brokedown.
There's no way I can fix it.
I need a small loan in order toyou know help, but I need a
decent interest rate.
Those are things where you canwalk into a credit union that
you have a relationship with andtalk to them about it, and
they're able to do a lot morethan a bank that, unfortunately,
(27:07):
only sees you as a number.
That's where community isimportant and this is where our
faith comes in right, and that'swhere community is important
and this is where our faithcomes in right.
Our faith tells us that we needcommunity and that we need to
lean into community.
Shay Cook (27:19):
And you know, we can get that more often from a
credit union than a bigger bank,and that doesn't mean that
there's not some good banks outthere.
But I think those communitybanks are just, you know,
there's some really goodcommunity and some bigger ones
out here.
It's all depending on wherethey're at, because, you know,
(27:40):
that can be a big thing too,like different branches and
locations, and the service isnot always standard.
So you know.
So, wow, well, that was great.
So you know, true security, aswe've been talking about, comes
from God, not financialinstitutions, y'all right.
So I would suggest, you know,diversifying your financial
safety net and just trusting inGod's provision.
So, you know, maybe having abank account and a credit union
account, you know, anddiversifying from there in
(28:02):
different ways.
But yeah, there is number oneis God, trusting in God's
protection and provision.
So any final thoughts?
Last thoughts?
Tanisha Allen (28:12):
I will just say you know we're not saying not to
keep any cash on hand.
Yeah, exactly, I think it isbeneficial to have some cash.
My thought process with it iswhat am I comfortable with
losing?
If I was to keep it on hand,whether that's on my person and
somebody steals it, or if it'sat home and, like you say,
catches on fire or somethinglike that, what am I comfortable
(28:32):
with losing?
And I don't mean like I'm noteven comfortable losing a dollar
.
Give yourself a certain amount.
How much would not break thebank per se?
How much are you trulycomfortable with If you lost it,
it wouldn't be painful and thatis the amount that you keep at
home.
For those of us that liveanywhere near where we get
impacted by hurricanes and stufflike that, most of the time we
(28:53):
have to have some type of cashin our emergency packets just in
case the ATMs go down.
So that's what you wanna keepin mind.
We also don't wanna have ourlives ruled by fear.
So if you're afraid of banks orafraid of different things
happening with the economy, theway that it is, all of that,
just take your fears directly toGod.
Tell him exactly what you'reafraid of, ask him to identify
(29:17):
and address each one.
Where's the fear rooted in?
How can you just get rid of thefear?
How can you pray away the fear?
How can you read scripture overthe fear?
Just go to God with all of yourconcerns and your fears, and he
will truly provide you withpeace.
Shay Cook (29:33):
You know, the system may not change.
Tanisha Allen (29:35):
You know things may not change immediately or
right away, but he's going to atleast be able to provide you
with the peace.
I can guarantee you that Iagree with that.
Shay Cook (29:42):
I would just add in these last thoughts that there
are fireproof safes so you caninvest in one of those.
I've always had one, and thenthey got the small ones and they
got the big ones.
I've always had one, and thenthey got the small ones and they
got the big ones.
I even got my daughter one.
But I would also add yeah,lately I've been dealing with a
lot of anxiety, a lot of justbeing afraid and dealing with
fear, and only thing that'sgotten me through this time
(30:03):
right now, is meditating on hisword and on him, period.
I'm in the bed at night andI'll keep sharing this until I
cry, until I die, because I knowI'm human and we.
What they say fear is beingafraid is mentioned in the Bible
a lot because it's a real humanemotion y'all and we have to
recognize that and not havestigma about talking about it.
We are fearful animals andpeople, human beings, and for me
(30:28):
, for Shea Cook, what gets methrough is meditating on the
word.
That is the only thing thatgets me through.
Ain't no alcohol, ain't noother vice get me through.
The meditating on the word,that is the only thing that gets
me through.
Ain't no, alcohol ain't noother vice get me through the
fear and anxiety like that.
So I just want to leave thatwith you guys and hope all is
well, praying for everyone inthis nation and thank you for
joining us.
Again.
A big thank you for listeningto this episode.
(30:51):
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.
For the latest Yahweh's Moneycontent, visit us at
crusaders4changeorg or find usanywhere you listen to podcasts.
(31:12):
Until next time, stayfinancially fit and spiritually
inspired and remember it'salways better Yahweh's way.
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