July 24, 2025 • 37 mins
In this episode of Yahweh’s Money, we’re keeping it real, keeping it holy and keeping it honest. Shay Cook sits down with her sister, salon owner and entrepreneur Montoya Silver for a powerful conversation about debt, faith, and financial freedom.
In this episode, we're diving into the emotional and spiritual weight of financial responsibility, how being uncomfortable is often where God does His best work, and why debt isn’t always a bad thing—it’s a tool that, with the right mindset and stewardship, can lead to generational wealth.
From scaling a business with borrowed funds to paying yourself as a service-based entrepreneur, Montoya shares her unfiltered journey with debt, business ownership, and spiritual alignment.
If you’ve ever felt the anxiety of owing more than you’re earning—or wondered if faith has anything to do with your finances—this episode is your reminder that freedom starts with surrender.
Here’s what you’ll walk away with:
- A reframed perspective: why debt isn’t always bad, but staying in it without a plan is.
- How entrepreneurship tests your faith—and your budget.
- Biblical strategies for finding peace in financial pressure.
- The power of responsible stewardship and spiritual growth.
- How fixed expenses and fluctuating income require both wisdom and faith.
- Why paying yourself is paying your people.
- What it means to be uncomfortable and still obedient.
Featured Scriptures:
- Proverbs 22:7 – “The rich rule over the poor, and the borrower is slave to the lender.”
- Philippians 4:6 – “Be anxious for nothing…”
- Luke 14:28 – “Suppose one of you wants to build a tower. Won’t you first sit down and estimate the cost…”
Action Step:
Choose one debt this month—just one—and make a plan. Whether that means paying it down, refinancing, or simply praying over it with intention, name it and claim your authority over it with God’s help.
Final Word:
Debt may be uncomfortable, but discomfort births growth. When you partner with God, even your financial mess can become a message of freedom.
💸⛪🕍📿💵
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/!
Schedule a Free 15-minute Clarity Call Today!
Comments, questions, or suggestions on topics? Email yahweh@crusaders4change.org
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Music by: Lamonte Silver - Owner of essentialmusicclub.com | Previously by ROA - roa-music.com
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Montoya Silver (00:02):
I think it's like being one foot in and one
foot out, like we grew intoentrepreneurship.
It wasn't something we wereborn into, so we didn't know all
the tools.
And I say that even withpersonal debt, we didn't have
the tools to know how to dostuff Nobody.
So I feel the same way, like Ifeel like you stepped out.
(00:23):
If I just take our household,as growing up in kids and like
you know, nobody was teaching usabout good debt, bad debt,
credit and I know you talkedabout this on this platform many
times before so it took youbeing that person going out and
learning the tools and bringingit back to me and our brother
and stuff like that, and thennow to the nation you know about
(00:45):
how to do it properly.
So I feel like we need that forbusiness as well.
Shay Cook (00:54):
See if we can start something for that.
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,
(01:16):
saving and conquering debtthrough religious perspectives.
Let's get started.
Hey everyone, welcome back toanother episode of Yahweh's
Money.
Today we're going to talk aboutour trademark program of From
Debt to Destiny, talking aboutfinding freedom through faith in
your finances.
As some of you may know, debtcan feel like a prison and I
(01:39):
hope many of you don't feel likethis, but I know a lot of you
do.
But God calls us to financialfreedom, which lets us talk
about breaking free.
So our main scripture for todayis Proverbs 22, 7, which goes
the rich rule over the poor andthe borrower is a slave to a
lender.
So we've heard that a lotbefore and if you're in your
(01:59):
Christian journey you know.
But it highlights the powerdynamics between wealth and debt
and it emphasizes that thosewith financial resources are
often willed control, whilethose in debt become subservient
to their creditors.
So we don't want to besubservient to our creditors,
but sometimes you have to bewhen you have houses and cars
and all of that.
(02:20):
But let me get into my specialguest and y'all's money today is
none other than MontoyaDominique Silver.
I have to do that because I didit to my daughter.
I gave her full government name.
I call her Toya.
She is a woman of Christ.
She is a mother, a wife, asister, a cousin, a niece.
(02:40):
She owns Textures LLC, based inOdenton, an amazing hair salon
that I went to for years.
But I've been getting my hairdone by my youngest sister since
I was a young girl.
I don't remember how old shewas.
We might get into that, butshe's been doing my hair forever
.
She did my daughter's hair andnow I have the amazing Mimi who
(03:02):
does my locks, but I still go totextures for my color.
But you know, overall this isan amazing woman.
She is just.
We've grown up together.
Obviously, I'm seven yearsolder.
We've grown up together and weshare parents and a brother, and
nieces and nephews.
But I'm most proud to see herbe a mother.
I'm most proud to see her be awife.
(03:23):
I'm most proud to see her be awife.
I'm most proud of her as asalon owner, as a business owner
, entrepreneur.
She is full entrepreneur, y'all.
She is doing great things, sheis successful, she is faithful
and I finally, in season four,get her on here.
So hello, toya.
Montoya Silver (03:38):
Hello my sister.
How are you?
How are you doing today?
I'm good.
How are you?
It's a pleasure to be here.
Shay Cook (03:44):
I know this is an honor.
I'm honored.
I'm going to try to geteverybody on here today, this
week, this year whatever we'reat Doing big things, I'm proud
of you.
Oh, I thank you.
I appreciate you.
You know this is God's idea andwe're just executing as being
obedient.
Yes, so obedience is the wordof the year, along with
(04:05):
self-care, for me, as well, as Iadded in today with the team
research and development.
So that is the concept of theyear for me, because sometimes
you just need to get into thatresearch and development whether
it's personally andprofessionally figure out some
things and then develop fromthere.
But I'm truly honored to haveyou here today, and today we're
going to have a great episode,talking about finding freedom
(04:26):
through faith and our finances,and starting off with our rapid
fire questions.
Say what's on your spirit.
Take your seat, let the wisdominherit.
(04:47):
Hit the rapid fire questions.
Say what's on your spirit.
So I'm going to ask you threequick questions.
Just come off the dome, sharewhatever comes to mind and then
we'll get into the maindiscussion.
Sounds good, yes.
Montoya Silver (05:03):
I'm ready.
Shay Cook (05:05):
All right.
What's the biggestmisconception about debt?
Montoya Silver (05:11):
My biggest misconception about debt has
been that it's good.
It's good, oh, I see, andalthough I know it's good, and I
know there's a differencebetween good and bad it doesn't
feel good to have so that's mymisconception about that, that
(05:33):
it feels good because it doesnot.
Shay Cook (05:35):
And see, I'm on the other side.
I'm always been like I hateddebt, I feared debt, even though
when I was younger, in my 20s,I had a lot of debt, including
student loan debt.
Even though when I was younger,in my twenties- I had a lot of
debt included student loan debt,but there was a stigma for me
around it so I was like on theend.
So now I'm trying to find thegoodness in debt.
There is some goodness yeah,there is.
Let me take that because I'llbe like there ain't no goodness
(05:56):
in debt.
There are some good reasons,some good ways to utilize debt
right.
You can use it for your good,for other people's good, and of
course, we want to pay it off assoon as we can.
But sometimes you can't.
You got hundreds of thousandsof dollars of debt.
Unless you come into a coupleof million dollars, a couple
hundred thousand dollars, you'renot going to be able to pay it
off.
So all right, that makes sense.
All right.
Next, do you believe all debtis bad or is some necessary?
(06:21):
That's kind of what it goesinto the first question.
Montoya Silver (06:23):
Yeah, I mean it sounds like I'm contradicting
myself, but I do believe thatyou said is some debt good?
Yes, bad.
Do you believe all debt is bad?
I don't believe that all debtis bad.
Actually, I believe that debtis necessary.
It just doesn't feel goodsometimes, but I do believe that
it's necessary.
(06:43):
I wouldn't be where I am if Ididn't have debt.
Shay Cook (06:47):
Okay, well, we're going to talk about that deeper
into the main discussion, allright.
Last rapid fire question what'sthe first step to becoming
debt-free?
Montoya Silver (06:57):
Paying it all Well, obviously, but I mean
having the resources to do soyeah, and managing it well.
So yes, having the resources topay it all.
Shay Cook (07:11):
That's how you get it free yeah, you got to find the
way to resources, whether it'shustling, whether it's cutting
back on some things and beinglike there's many different ways
to get to that.
But right, okay, yeah, got,yeah, gotcha, all right, cool,
well, we're going to talk aboutthat more.
So that was our rapid firequestions.
Thank you, sis.
Let's talk about this becauseyou're right, it can feel, make
(07:32):
you feel a certain way right.
The spiritual and emotionalweight of debt.
Let's talk about that, becauseyou and I, we have conversations
, I would say weekly, sometimesdaily, about that spiritual and
emotional weight of debt.
Talk to me about that.
Montoya Silver (07:46):
I mean it just doesn't feel good.
I mean I know it's necessaryand I still haven't got to the
point where I feel good abouthaving it, even though I know
it's important to have.
I know that I have my housebecause I was able to get a loan
to purchase my home, my car, mybusiness.
I needed debt to scale mybusiness but it just still
(08:08):
doesn't feel good to know thatI'm owing somebody.
So sometimes I wish that I hadthe resources of my own to do
these things.
We don't come from.
We're not trust fund babies, sowe didn't have just money just
sitting there for us to justelevate in certain levels of
life.
Shay Cook (08:28):
So with that I know that I have to do it and some
people could argue like Shay andMontoya, you don't need that
house, you could have just beenrenting.
Or you don't need that car youcould have just been using the
bus.
We don't live in that place, butyou know and so there is way
and.
But there are people in citiesthat don't have the house, they
don't have the car.
(08:49):
They can say you know, youdon't need that business.
You could have been working anine to five and then we
wouldn't have any debt.
Quote, unquote.
Let's talk about why we're so.
We're very just aspirational.
We're like nah, we trying to dobig things.
We got big minds like bigdreams.
Montoya Silver (09:09):
And that requires some kind of funding,
which usually is debt.
I mean I think it's just, itgoes to your desires and what
you want in life.
I mean I don't judge or shamepeople that are okay with living
minimal.
I just desire, I like certainthings, I want certain things in
life.
We come from a middle-classupbringing so our parents had
homes, thank you God.
You know we always had cars,thank you God, like we always
(09:33):
had things.
So, just naturally in life youjust want to elevate a little
more.
I mean, and I feel the same forall of us I mean we're all
blessed to be in a situationwhere we have a little better
than our parents and we didn'thave the money to sit to the
side.
I mean they didn't give us themoney to get these things, so we
had to get debt so that wecould purchase certain things in
(09:54):
life.
So I think it's just you know,I don't shame anybody for living
like that, but I do like nicethings.
I want to enjoy the life Godsaid he's going to give me the
desires of my heart, not yours.
So if your heart desires tolive a minimal lifestyle, fine,
but I desire nice things.
So unfortunately I gotta getthat to get them stopped I mean
(10:17):
it's a tool, so let's.
Shay Cook (10:18):
I guess sometimes we gotta change that self-talk and
that talk around it.
It's like, nah, it's not a badthing.
It's something we went in, wesigned a paperwork, an agreement
, like you do with a job or ahouse, or like you do with
anything, even with schoolingand even with a marriage.
Montoya Silver (10:36):
You have to sign a marriage letter and there's
stuff that comes with that.
You know that's a debt.
Shay Cook (10:43):
These husbands are debt man.
Montoya Silver (10:45):
They're just good and bad.
Shay Cook (10:46):
Big debt so we had to sign the paperwork and but we
were responsible to say, allright, we're gonna pay this, you
know, and you've given us thistool, this bank, financial
institution, whatever, and we'rejust gonna utilize it to the
best of our ability and beresponsible with it.
Then it's not a bad thing.
And yeah, it might come withsome interest, some extra fees.
You know, like that damn EIDLlooked at it yesterday, that
(11:09):
daily compensation rate.
Montoya Silver (11:11):
Shame on you, sba government that's a whole
other episode because I couldreally go off on them right now.
Yeah, bring me back for thatone.
Shay Cook (11:19):
But and that was also our fault, because I should
have been looking at thepaperwork and looking wait a
minute, what is this?
Hundreds of thousands ofdollars times this 30 days?
Oh yeah, that's daily.
Anyways, going back to that, sowe sign the paperwork and we
pay our bills and we, you know,and some people like you said,
no shame to those that liveminimal and no shame to those
that have even more debt.
(11:39):
And that's what you know,crusaders for Change is here for
.
If you feel in a certain way,you come here.
I always plug that.
We're here to help you withthat.
Montoya Silver (11:48):
But you know you got to change your mindset
around.
Shay Cook (11:51):
She's like, yeah, all right, let's talk about some
biblical strategies to pay offdebt.
So how have you turned to God,bible or anybody in like the
religious world to help you withpaying off debt, even if it's
not actually paying at all, butjust a strategy.
Montoya Silver (12:04):
Yeah, so what I've done is that, because debt
still to this day, as you knowin our other conversations,
caused me major anxiety.
So, I had to know in the word itsays, be anxious for nothing.
I had to know where my helpcame from.
So, even though I'm in debt, Ihad to know that God is going to
supply all my needs, as long asI'm being responsible with it
(12:27):
now and being a good stewardover my money.
That he will supply and he has,even with the debt.
That has caused me anxietybecause I just don't.
It's just that thing aboutowing people and then you know
you get to that times whereyou're tight and you're like but
I still got to pay this person.
It's just like.
Even those times he's justoffering me peace.
So to know that I got you, Like, if I did it before, I'll do it
(12:50):
again.
So that's the peace and theunderstanding and knowing where
my hope comes from.
That's those principles that Ihave in my spirituality, to know
that I'm going to be okay samehere.
Shay Cook (13:03):
I just feel like an obedience of God is teaching us
a lesson through all of thesetimes, and learning that lesson
I think God would be talking tome.
This is how I think God talkedto me Like okay, daughter, I
mean really, why are we doingthis again?
How many times I got to teachyou this?
And that's in many things inlife outside of just finances,
but even finances, like when Iwas in my twenties and spending
(13:25):
and spending on credit andcredit.
And then like finally, he'slike, he sat me down, it's like
all right, you need to readthese disclosures and really
understand how this interestaccumulates and how you're going
to be in debt forever if youkeep on paying just a small
amount, right?
So then, once I read that, ohman, I was like I ain't doing
this again.
And then I just didn't want tobe a slave to the master of
(13:46):
financial institutions.
And I ain't saying I don't haveno debt, y'all, but I mean,
when it comes to credit cards, Istruggle with that, especially
with the race going up and up,up 25%.
We were just talking with theteam today that some of the
store cards are back to 36%,which is crazy.
It's crazy.
Montoya Silver (14:02):
You know how many things I could buy.
Shay Cook (14:04):
I mean, we actually were developing calculators for
our new landing page for thebusiness and we were putting it
in, and I put it in like a$660,000 home or even $900,000
home.
I was doing that.
The interest that you pay onthat was almost a million
dollars over the life of 30years.
I could have bought one or twoor three more homes if we were
down south.
Montoya Silver (14:22):
That's crazy.
Shay Cook (14:24):
So when I see that's what it gets into my spirit of
like, oh my God, like I don'twant to be paying all that
interest.
But how else am I going to beable to afford this house, like
you said, because we're nottrust fund babies.
I didn't get hit the lotto.
I mean, I mean a lottery like Ididn't, you know.
No, I mean I have to work forthis and I'm paying for it
monthly.
But man, man.
Montoya Silver (14:45):
It's hard, it's crazy, it is hard.
Shay Cook (14:48):
Yeah, god got us, he does.
It is uncomfortable.
And how do you deal with theuncomfort outside of, just like
you know, biblical strategies?
Montoya Silver (14:58):
I mean honestly, how do I deal with it now, like
actively, because I still amuncomfortable.
Or even in the past I mean inthe past there's different
systems.
You know Crusaders for Change,my sister has given me great
(15:19):
tools throughout my journey ofadulthood and dealing with
different times in my life whereI was irresponsible, I mean.
But now today I'm definitelymore aware of what I'm doing,
more responsible because of thetools that I've been taught.
But it still gets hard thoughit still is very uncomfortable
to know that because I feel likelife changes, like especially
(15:39):
being an entrepreneur, likeincome changes in your business
and income changes in yourhousehold, your business and
income changes in your household.
But if you have theseresponsibilities, as like a
mortgage, that's somethingthat's fixed, that's not going
to change.
So how do I just make sure thatI'm paying this?
Or if you have a slow month inbusiness but you still have
those bills or those loansthat's due, how do I adjust?
(16:02):
Like I'm still learning how tobe uncomfortable, because you
have to just learn to functionin being uncomfortable.
Shay Cook (16:09):
Yeah, because that's where God does his best work.
Montoya Silver (16:12):
Yeah, that's where faith happens.
Shay Cook (16:13):
I just read about that reason.
God does his best work when hischildren are weak and need him.
Because when we don't need himquote, unquote we don't need him
.
Then we think we knoweverything.
Our egos get big.
We're like, okay, let me keepit moving.
God, I got this.
You told me to do what, but I'malready doing it.
So whatever, whatever.
And then when you finally getto that point back, you need him
(16:35):
again.
You'd be like man, you neededme in the highs and the lows and
you need to remember that.
But then, when we're weak andwhen we're uncomfortable, I
think I mean, I know that's whatthe Lord says he keeps us there
.
Montoya Silver (16:47):
He doesn't keep us there but when we are there
he does his best work Right, andwe got to learn to operate in
that, like you know, sometimesyou'll be so good.
I mean, I feel like I feel likein COVID, you know, we all got
this boost of money and you knowwe was like, oh, you know,
especially this small businessowner that had a $30,000 loan.
(17:07):
And then I'm getting this majorcash and I'm like, oh, I'm good
, I'm going to be able tosustain.
And then you realize that youweren't ready for all that money
.
You got all this money in asense before time, in a sense,
if I could say, where youprobably wasn't ready for it.
It's like giving a rapper a bigold loan and all he buys is
(17:30):
change.
You'd be like you know, likewhy did you do that?
So, because they didn't havethe tools yet to get that money.
Shay Cook (17:36):
Y'all just gave them this money, the knowledge, the
resource, all the tools.
Yeah, they didn't know.
They was like I'm just tryingto be like you know this person
and like, nah, you got to learn.
Montoya Silver (17:45):
So then you learn, but you got.
So in that time it's easy totrust God when you have all this
money in the bank and you know,because you say, oh, God gave
me this, God gave me this, buthe's still giving you stuff when
you don't have it, when youonly have the little bit of
money or when sales are low whenthe sales are high, like you,
just got to continue to trustthem throughout the whole time,
(18:06):
and that's when that faith comesin.
Shay Cook (18:08):
so, but it's not easy it's not easy, because then you
get that big amount and you'rethinking it's gonna last and it
don't last as long as you thinkit is, because first of all, you
have all these grand ideas, oh,I'm gonna do this, I'm gonna do
this and do this, and you startseeing the number come down
like and then for me, so I didnuse it, like I didn't use it for
like six months.
Montoya Silver (18:27):
I got my.
Shay Cook (18:27):
EIDL.
I didn't use it.
I got it in December of 21 towhatever it was.
I didn't use it until that June.
I remember talking to Mr Hunthe's our tax guy.
Shout out to the Hunt companyand man, he's our CPA, to be
more specific.
But he, he was like so I calledhim like in April, it's like
all right, I got this influx ofmoney.
Like well, he's like all right,I'm glad you called me, let's
(18:47):
talk about this.
So we came up with some ideas.
You know, marketing people,marketing people, that's how you
boost your business, right?
So I was like yeah, but then Ihad some other things I want to
do working with Mahogany Hut.
Shout out to her with somethings, and then I let it sit
for another year before I use it, Cause I was scared to use it.
Montoya Silver (19:07):
It's a lot of money.
Shay Cook (19:09):
He tried to just blow this money.
And then I started hiringpeople and made mistakes with
that and then I was like, oh man, I regret it, but God was like
I got you, I got you, he did.
Man, I was getting refunds backthat came back to dad and doing
all of this and he's like I gotyou, like you need you.
You putting EIDL SBA on an idolas an idol.
(19:30):
You need to just look to me.
What are you looking to?
This money in a bank I'm tryingto fill you a certain way and
then, as it's going down, I'mlike no, seriously, seriously,
and then doing it on your owntoo.
Montoya Silver (19:49):
It's like of course we have God, but which is
no, but you know we have God,but then it's like having those
Mr Hutts around you or justother people around you that
been there.
So that's always a thing that'shard to when you have, like
debts.
It's like you want to hear fromdifferent business owners that
maybe that you aspire to be orthey're making the profits or
have the businesses.
It's just hard finding thatnetwork sometime of people
(20:10):
that's true To be able to helpyou.
Shay Cook (20:13):
When I did find them, they were in the same boat that
was drowning.
So it's like did you feel goodabout it?
I mean, these are multimilliondollar businesses that I've
talked to owners that have takenout that money or had the PPP.
Thank God that was forgiven foryou guys.
I didn't take advantage of that.
I was literally the day I wentto get my PPP loan.
(20:34):
They shut it down, I missed thecutoff, but whatever.
And so then EIDL all thesepeople and you hear about all
these I mean NFL, all thesemajor corporations that got that
money and some of thatillegally.
But then you talk to them andthey're like yeah, you know, I'm
trying to pay it off too,because a lot of those people
run low margins.
(20:54):
I mean, they don't theirprofits.
You think they're makingmillions and millions of dollars
.
They man, they either run lowor high and they're paying so
much they only making like fivepercent profit, which is crazy.
So they're not able to pay offall that debt because they put
it into something and then theygo bankrupt, which I'm finding
now people use that as a tool, apositive tool, to reset
(21:16):
basically, when I thoughtbankruptcy was a bad thing too.
Montoya Silver (21:19):
Yeah, because you know, we know somebody
Millionaires out here filingbankrupt, bankrupt, bankrupt.
Like we know big people in bigplaces that did it all the time
and we used to judge them fornot knowing that that's what
they do.
Shay Cook (21:32):
You just don't want to be a part of it.
And now they're the presidentof the United States.
Montoya Silver (21:35):
That's the big person, anyways, but that's just
a part of the game.
I think it's like being onefoot in and one foot out, like
we grew into entrepreneurship.
It wasn't something we wereborn into, so we didn't know all
the tools and I say that evenwith personal debt, we didn't
have the tools to know how to dostuff Nobody.
(21:59):
So I feel like you stepped outIf I just take our household as
growing up in kids and like youknow, nobody was teaching us
about good debt, bad debt,credit and I know you talked
about this on this platform manytimes before so it took you
being that person going out andlearning the tools and bringing
it back to me and our brotherand stuff like that, and then
(22:21):
now to the nation.
You know about how to do itproperly.
So I feel like we need that forbusiness as well.
C4c can start something forthat.
Shay Cook (22:31):
You know, for business as well.
We got some proposals out there.
Yeah, nice, we're listening,yeah.
Montoya Silver (22:36):
Because, you know, because we need the shade
in business as well, like weneed C4C in businesses as well,
because it's not so accessible.
I've been to banks to talk toabout debt.
I had CPAs plural, yeah, andit's still.
It's just like you're doing itright, you're running lean,
(22:58):
you're doing this right.
Shay Cook (22:59):
I'm like, no, that's crazy, because at one time I was
running, so running solely myCPA was like you run it too,
like because that's why you keepon.
Oh, I had to spend.
So I went oh, but then then I'mlearning, I'm in this Goldman
Sachs program and I'm like, yeah, that's great.
(23:19):
On one end you spend so youdon't owe at the end of the
beginning of the year.
But then if you, if you arelean, then you owe and you don't
owe, you get a refund.
Yeah, you owe.
And then you have this issuewhen you need funding because
the banks, credit unions,financial institutions want to
see you have a profit.
But if you're running, so it'slike this whole, like you said,
you're in and out because you'relike all right, I need to make
sure I spend all that money,especially on people in
(23:39):
marketing, where I'm going toget the most deductions.
But then so I don't get, Idon't owe too much, or I get a
refund or I break even, but thenif I don't spend a lot now I'm
going to owe.
So I got to make sure I havethat money in savings or I'm
paying my estimated taxes.
There's a lot of stuff out therethat you write Ain't?
Nobody taught us none of this.
We had family members that wasbusiness owners and nobody
(24:00):
taught us about the real deal ofbeing a business owner.
And I mean it started with mein college, like you and you
actually UMBC and UMUC at thetime, now UMGC University of
Maryland Global Campus.
But either way, I minored inbusiness because I wanted to
know like and they one of myclasses I was in it was
entrepreneur class they made medo a business plan and so I got
(24:23):
to see from A to Z, like all ofthe stuff that goes into it.
So I was like, wow, like youneed that.
Montoya Silver (24:29):
Yeah, you do, you do, we need that.
So I just it just can be verydiscouraging.
So what I've been trying to dorecently is try to apply the
same principles that I'velearned on the personal side to
business side, and a lot oftimes it does translate, but
then sometimes.
But the difference is it's like, you know, in the household I
(24:53):
mean, I know the government soit's not as stable, but you you
have like a certain amount ofincome coming in which you know
you know you talk, yeah, youhave a certain amount of income
coming in, you know you put out.
But with business, you know youtalk, yeah, you have a certain
amount of income coming in.
Shay Cook (25:09):
you know what you put out, but with business.
Montoya Silver (25:10):
You know that fluctuates so much, so much it's
yeah, that is where the grayline is for me, or that's like
kind of like still trying tounderstand.
It is that, especially when itcomes to my debt, like my fixed
expenses are pretty solid, butwhen it comes to, okay, I have
my debt and I'm paying theminimum, but I'm not trying to
pay it for 30 years, like I'mtrying to pay this off so that I
can scale my business, so thatI can acquire even more debt, so
(25:33):
that I can scale my business,so it's just, it doesn't
translate like that personal.
Shay Cook (25:39):
I think I finally figured out the secret formula
today.
I know Right, I'm like I'llgive a little bit on here Y'all
going to have to change?
Yeah, exactly, but you know, Ihad this debt, just really
simple, high level.
I had this debt as well Creditcard debt.
I've been building up from theevent this year, took my money,
(25:59):
bow and all this other stuff.
But what I did is, you know,there's a period in a time in
your business where you mighthave more income than debt or
expenses.
Putting that aside and just for30 to 60 days to see if you can
go 30 to 60 days without usingthat, and then putting it on
your credit or your debt, and Idid that.
So I just set aside.
(26:19):
I didn't put in a savings, Ijust set aside in my checking
account, business checking as Iput this inside and see if I can
pay all I still do, all of myfixed expenses, still pay my
people and all of that, and thatmoney was still there.
I'm getting chills because Iknow that was Jesus, because
that to me was another thing offaith too.
It was like all right, Laura,I'm going to try something here.
(26:39):
I'm going to put this moneyaside, and if I have to use this
for regular expenses I will.
But if it's still sitting therein 30, 60 days, I'm putting
that joker on a credit card.
I paid her on a credit cardthis weekend, and.
But it doesn't always happenthat way, because sometimes I
have to use that money forexpenses and so you just like,
sometimes you just got to beable to play and see, because
you're going to have ebb andflows, but some months are going
(27:01):
to be way higher and instead ofputting it on yourself, I mean
you can, you can give yourself anice little bonus.
You know, give your peoplesomething, but then some of the
rest of it can go to debt orsavings.
So, to me.
That was just kind of playingthat out.
Because I'm trying to figurethis out, I'm trying to break
this quote for people out therethat are like us because yeah,
it's real, you're right.
A lot of that translatespersonal to professional, which
(27:24):
I want to teach people that aswell, because people out here
got low credit scores, got a lotof debt and they trying to be
business owners or they arebusiness owners Like I can't get
no funding.
I won't give you no fundingeither with a 500 credit score.
I'm sorry, so like we're hereat Crusaders for Change to help
people that, but when it comesto you know when your money is
all over the place, then we kindof figure that out and say, all
(27:44):
right, you got to do someforecasting and some projecting.
You got to be like all right.
Every year the last five yearsI noticed an influx in July and
August.
Montoya Silver (27:52):
Yeah.
Shay Cook (27:52):
That money needs to be planned for, and that's
another key.
You got to plan for it.
You can't just let it sit thereand just not name it.
I always tell everybody everydollar and it ain't got to be
down to the cent, but for meit's down to the zero.
Like I, every dollar has acategory, has a plan, has a
purpose, and that's what Godwants, and that's including
tithing.
That's including saving.
That's kind of taking care ofyour family because God wants
(28:15):
our first fruits, because we'rejust, we're just on, it's just
on loan to us.
But yeah, so you know, justtrying to figure out how do we
avoid that financial bondage inthe future.
Right, because you know you'resaying you can serve good debt.
I always felt like studentloans at one time was good debt
because you were gettingeducation.
Yeah, even though they messedthat all up with the interest
rates and everything giving ustoo much money.
(28:35):
I believe too.
But housing, you got to get amortgage most time, not all the
time.
You can choose the rent, butrent's going up and it's not
fixed and it's all over theplace.
It's better to own.
That sometimes is our bestasset is our house.
So you know, just trying tofigure out that.
I mean, the average Americancarries $90,000 in debt.
So how?
can faith change that and that's90,000.
(28:56):
I know a lot of clients outthere or we have a lot of
clients that are that's their,just their credit card just
unsecured.
Montoya Silver (29:04):
So how does your ?
Shay Cook (29:04):
faith change that.
Montoya Silver (29:06):
I mean, look, I've been there, so no judgment
on the other side.
Yeah, amen, but you got to justbe responsible.
Like it's crazy, I woke up withKanye West's quote.
I think it was Kanye West'squote, it was so random.
I have a problem spending moneybefore I get it.
I'm the first to admit it.
I have a problem spending moneybefore I get it.
I'm the first to admit it.
I don't know why I woke up withthat, but it helped me this
(29:28):
morning.
It helped me this morningbecause that's the problem right
there.
It's like you go to swipe thatcredit card and you spend the
money you don't have it.
Shay Cook (29:40):
You don't even have a plan to pay it off.
Montoya Silver (29:42):
Spending money before I get it.
So you got to be the first toadmit it, so that you can get
help.
Shay Cook (29:47):
The first thing to anything is admitting you got a
problem.
So yeah, that's right there.
Montoya Silver (29:53):
So I mean, yeah, people have this.
You know, big thing.
I'm finally to the point in mylife where my faith is pretty
strong, like I face.
But you know you can't do stuffwhere it goes against your
faith, like you go and spendmoney before you get it and you
want God to pay it off.
It's just like that's nothaving faith, that's being
foolish, like that's thedifference between you.
(30:15):
Know.
Faith is like okay, lord, Ireally want this thing and I'm
just going to save up to get it,and I know that you're going to
help me supply this thing.
I know that you're going tohelp me supply this.
I know that that's really faith, that you spending it before
and then praying that God pay itoff.
Shay Cook (30:28):
Now, most of the time he'll still help you.
But the obedience to me comesbecause if God says to do
something, he going to provide,so, like, even with the podcast,
he's going to provide, you know, or just even helping, like I
had this, you know, paying formy daughter's college.
My daughter, my husband and I,like I was like Lord, I'm going
to have to cut into it, and Italked about this last episode.
(30:48):
I have to cut into my tithingbecause, like, where am I going
to get that money from?
It's going to end.
So he still provided, but Istill tithe, you know.
So it's just finding those waysand so, like, I'm going to do
that right now with the business.
In order for a business to grow, you have to be able to dream
and forecast right, and so thenyou have to trust God If he's
showing you you got to do this,but you ain't got the money cash
(31:10):
, and now I got to take it froma loan or credit card or line of
credit or whatever.
That's faith right there,because I don't know if this is
going to pan out and it mightnot, and it's just something you
have to learn, right, I'm sureyou've been there as a business
owner.
Montoya Silver (31:23):
I'm there and I was going to say that's the
other side of it, because forwhat I say, it sounds
insensitive, like yeah, I'mspending before I get it, yeah,
but some stuff you don't need,you know, like some stuff we
could wait on.
But then sometimes you need toscale, like I had to scale my
business and I had to get a loanto scale my business and I am
(31:45):
still not on the other side ofmy scale yet.
But I have to have faith tobelieve that if he supplied it
to me and he allowed me to haveit and I prayed over every
application and I prayed thatGod, you know, help me with this
.
I know he's going to supply andhe has God.
Thank you, jesus.
I'm not in the fault ofanything.
I'm still able to pay all mybills and pay my people.
(32:08):
I've never missed a pay for mypeople.
That's a blessing right there.
That is a huge blessing.
I really don't take that lightlythat I'm able to pay my people
and pay my debt and yourself.
Shay Cook (32:19):
This is something I wanted to talk about.
This will be the last big topicof this podcast episode is
because I want to talk about.
This will be the last big topicof this podcast episode is
because I want to talk aboutthat Like for real.
There's so many people outthere that do not pay themselves
or will forego payingthemselves, and we've been
blessed not to have that happenand we talked about this.
If it gets to the point that Ican't pay myself, then I don't
(32:40):
need people on my team.
Montoya Silver (32:41):
No Because, especially like we're both in
service businesses Like peopleon my team.
No because, especially likewe're both in service businesses
Like I'm still behind the chairin my business.
I'm still bringing money goodmoney into my business, and this
is all I do, like we don't playentrepreneurship, like I'm not
on social media playing that I'mopening this business and this
business Like this is how Icontribute to feeding my family.
(33:01):
So, I can't go without payingmyself or you know.
So I have to make sure that nowhave I had to move stuff?
Yeah, of course yeah absolutelyso that I can make sure because
one thing my people are goingto know if they work for a
textures they're going to getpaid Rightfully so, like
rightfully so.
Shay Cook (33:22):
But I work for textures too.
And I'm people, my peoplethat's including me as well.
Like I have to pay myself, Igot a lifestyle to maintain,
(33:45):
including the necessity, and,yeah, I got my husband.
That helps.
I'd always want to put that outthere, but you know in order to
have this house.
You do too right, and that'sanother podcast episode we're
talking about, because you knowthose single people out there
will be like you got a husband.
Montoya Silver (34:00):
My husband.
I'm just talking about aboutthat.
This weekend we got two sets ofbills.
We got two sets, yeah exactly.
Shay Cook (34:05):
But don't shame me because I got a husband to help
me out, like go find your man orwhatever you want.
But back on topic here.
Yeah, you know God is justgoing to provide and I always
believe that, especially if he'sgiving it to you in your heart
and your mind and your spirit,he's not going to put an idea in
his child and not provide theresources for it.
(34:26):
And that's not always money,sometimes it's dr candace pruitt
.
I have to give a shout out tospdc.
She has been a huge resource.
The mr hutt, lou hutt, thesecond right, because the third
is his son.
He's been amazing, like we haveso many.
The mentors out there, all ofthe programs we've been through,
all the whatever it may be, youknow those people have, people
(34:47):
have been and even our team justyou know the people that we
surround us with ourselves withhave been super.
Those are the resources God hasgiven us, and so that's
including the money and thepeople, and it all comes
together.
So I just want to, in thismoment, honor that, because
Crusaders for Change textureswould not be where they would be
without God, us, and then allthe people and resources and
(35:09):
funding and money that we neededAbsolutely.
Montoya Silver (35:12):
Yeah, absolutely .
Shay Cook (35:14):
All right Now.
That was great episode thereand talking with you, you know
God wants us to live in freedom,not stress, and I would say one
action step for today is make aplan to tackle at least one
debt this month.
So we like to give our guestsfinal thoughts.
Any final thoughts, sis?
Montoya Silver (35:30):
So I know I'm contradicting myself.
Shay Cook (35:31):
So I guess debt ain't bad y'all, so just make sure
but you said how it makes youfeel.
I know that's different.
Montoya Silver (35:40):
Debt is uncomfortable Anytime you owe
somebody.
Anything is uncomfortable, butthat doesn't mean that it's bad.
So in a sense, it's good to beuncomfortable.
Growth comes in beinguncomfortable.
Shay Cook (35:54):
It does.
And, like I told my daughteryou know she's like she used to
be afraid to spend and debt andall of that To me that's a
healthy fear, because if youweren't fearful of that or
uncomfortable, then you will becreating a lot more debt and
then you will be struggling likemore than you are now.
So to me it's like you need tohave a little pinch of fear, a
little pinch of you know, andsome of us has a little bit more
(36:15):
than others, but that's okaybecause that's going to remind
you always I got to pay this off.
I got to be responsible becauseyou just out here spending and
spending and spending.
Then you're got to beresponsible because you just out
here spending and spending andspending.
Then you're going to be lookingup one day and be like dang it,
I got millions of dollars a day.
What am I going to do?
And these people out here willgive you all of that debt too,
if you allow it, and you gotthat good credit score, so don't
let them take advantage of you.
Make a plan to tackle at leastone debt this month, y'all.
(36:38):
Thank you for joining us.
Thank Montoya Silver, beautifulwoman, oh, and I have to say, by
the time you listen to thisepisode, she will be in her 40s.
Montoya Silver (36:49):
Pray for me.
Shay Cook (36:50):
What I'm headed to my 50s and you know what it's a
blessing.
I know these are crazy.
Montoya Silver (36:56):
You got some years.
Shay Cook (36:57):
I got three years, three and a half, three and a
half years, but still, you know,I'm just to me, whatever age
you are, big age or little age,it's just like.
God is good because there'smany people out there that have
not seen the forties.
Montoya Silver (37:10):
So I'm going to walk into it with my head up.
Shay Cook (37:13):
Happy birthday.
July is about to be hercelebration month, so happy
birthday, thank you for joiningus.
Yes, love you.
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
(37:36):
feel free to leave us a review.
For the latest Yahweh's Moneycontent, visit us at
crusaders4changeorg or find usanywhere you listen to podcasts.
Until next time, stayfinancially fit and spiritually
inspired, and remember it'salways better Yahweh's way.
I think it's like being one foot in and one
foot out, like we grew intoentrepreneurship.
It wasn't something we wereborn into, so we didn't know all
the tools.
And I say that even withpersonal debt, we didn't have
the tools to know how to dostuff Nobody.
So I feel the same way, like Ifeel like you stepped out.
(00:23):
If I just take our household,as growing up in kids and like
you know, nobody was teaching usabout good debt, bad debt,
credit and I know you talkedabout this on this platform many
times before so it took youbeing that person going out and
learning the tools and bringingit back to me and our brother
and stuff like that, and thennow to the nation you know about
(00:45):
how to do it properly.
So I feel like we need that forbusiness as well.
Shay Cook (00:54):
See if we can start something for that.
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,
(01:16):
saving and conquering debtthrough religious perspectives.
Let's get started.
Hey everyone, welcome back toanother episode of Yahweh's
Money.
Today we're going to talk aboutour trademark program of From
Debt to Destiny, talking aboutfinding freedom through faith in
your finances.
As some of you may know, debtcan feel like a prison and I
(01:39):
hope many of you don't feel likethis, but I know a lot of you
do.
But God calls us to financialfreedom, which lets us talk
about breaking free.
So our main scripture for todayis Proverbs 22, 7, which goes
the rich rule over the poor andthe borrower is a slave to a
lender.
So we've heard that a lotbefore and if you're in your
(01:59):
Christian journey you know.
But it highlights the powerdynamics between wealth and debt
and it emphasizes that thosewith financial resources are
often willed control, whilethose in debt become subservient
to their creditors.
So we don't want to besubservient to our creditors,
but sometimes you have to bewhen you have houses and cars
and all of that.
(02:20):
But let me get into my specialguest and y'all's money today is
none other than MontoyaDominique Silver.
I have to do that because I didit to my daughter.
I gave her full government name.
I call her Toya.
She is a woman of Christ.
She is a mother, a wife, asister, a cousin, a niece.
(02:40):
She owns Textures LLC, based inOdenton, an amazing hair salon
that I went to for years.
But I've been getting my hairdone by my youngest sister since
I was a young girl.
I don't remember how old shewas.
We might get into that, butshe's been doing my hair forever
.
She did my daughter's hair andnow I have the amazing Mimi who
(03:02):
does my locks, but I still go totextures for my color.
But you know, overall this isan amazing woman.
She is just.
We've grown up together.
Obviously, I'm seven yearsolder.
We've grown up together and weshare parents and a brother, and
nieces and nephews.
But I'm most proud to see herbe a mother.
I'm most proud to see her be awife.
(03:23):
I'm most proud to see her be awife.
I'm most proud of her as asalon owner, as a business owner
, entrepreneur.
She is full entrepreneur, y'all.
She is doing great things, sheis successful, she is faithful
and I finally, in season four,get her on here.
So hello, toya.
Montoya Silver (03:38):
Hello my sister.
How are you?
How are you doing today?
I'm good.
How are you?
It's a pleasure to be here.
Shay Cook (03:44):
I know this is an honor.
I'm honored.
I'm going to try to geteverybody on here today, this
week, this year whatever we'reat Doing big things, I'm proud
of you.
Oh, I thank you.
I appreciate you.
You know this is God's idea andwe're just executing as being
obedient.
Yes, so obedience is the wordof the year, along with
(04:05):
self-care, for me, as well, as Iadded in today with the team
research and development.
So that is the concept of theyear for me, because sometimes
you just need to get into thatresearch and development whether
it's personally andprofessionally figure out some
things and then develop fromthere.
But I'm truly honored to haveyou here today, and today we're
going to have a great episode,talking about finding freedom
(04:26):
through faith and our finances,and starting off with our rapid
fire questions.
Say what's on your spirit.
Take your seat, let the wisdominherit.
(04:47):
Hit the rapid fire questions.
Say what's on your spirit.
So I'm going to ask you threequick questions.
Just come off the dome, sharewhatever comes to mind and then
we'll get into the maindiscussion.
Sounds good, yes.
Montoya Silver (05:03):
I'm ready.
Shay Cook (05:05):
All right.
What's the biggestmisconception about debt?
Montoya Silver (05:11):
My biggest misconception about debt has
been that it's good.
It's good, oh, I see, andalthough I know it's good, and I
know there's a differencebetween good and bad it doesn't
feel good to have so that's mymisconception about that, that
(05:33):
it feels good because it doesnot.
Shay Cook (05:35):
And see, I'm on the other side.
I'm always been like I hateddebt, I feared debt, even though
when I was younger, in my 20s,I had a lot of debt, including
student loan debt.
Even though when I was younger,in my twenties- I had a lot of
debt included student loan debt,but there was a stigma for me
around it so I was like on theend.
So now I'm trying to find thegoodness in debt.
There is some goodness yeah,there is.
Let me take that because I'llbe like there ain't no goodness
(05:56):
in debt.
There are some good reasons,some good ways to utilize debt
right.
You can use it for your good,for other people's good, and of
course, we want to pay it off assoon as we can.
But sometimes you can't.
You got hundreds of thousandsof dollars of debt.
Unless you come into a coupleof million dollars, a couple
hundred thousand dollars, you'renot going to be able to pay it
off.
So all right, that makes sense.
All right.
Next, do you believe all debtis bad or is some necessary?
(06:21):
That's kind of what it goesinto the first question.
Montoya Silver (06:23):
Yeah, I mean it sounds like I'm contradicting
myself, but I do believe thatyou said is some debt good?
Yes, bad.
Do you believe all debt is bad?
I don't believe that all debtis bad.
Actually, I believe that debtis necessary.
It just doesn't feel goodsometimes, but I do believe that
it's necessary.
(06:43):
I wouldn't be where I am if Ididn't have debt.
Shay Cook (06:47):
Okay, well, we're going to talk about that deeper
into the main discussion, allright.
Last rapid fire question what'sthe first step to becoming
debt-free?
Montoya Silver (06:57):
Paying it all Well, obviously, but I mean
having the resources to do soyeah, and managing it well.
So yes, having the resources topay it all.
Shay Cook (07:11):
That's how you get it free yeah, you got to find the
way to resources, whether it'shustling, whether it's cutting
back on some things and beinglike there's many different ways
to get to that.
But right, okay, yeah, got,yeah, gotcha, all right, cool,
well, we're going to talk aboutthat more.
So that was our rapid firequestions.
Thank you, sis.
Let's talk about this becauseyou're right, it can feel, make
(07:32):
you feel a certain way right.
The spiritual and emotionalweight of debt.
Let's talk about that, becauseyou and I, we have conversations
, I would say weekly, sometimesdaily, about that spiritual and
emotional weight of debt.
Talk to me about that.
Montoya Silver (07:46):
I mean it just doesn't feel good.
I mean I know it's necessaryand I still haven't got to the
point where I feel good abouthaving it, even though I know
it's important to have.
I know that I have my housebecause I was able to get a loan
to purchase my home, my car, mybusiness.
I needed debt to scale mybusiness but it just still
(08:08):
doesn't feel good to know thatI'm owing somebody.
So sometimes I wish that I hadthe resources of my own to do
these things.
We don't come from.
We're not trust fund babies, sowe didn't have just money just
sitting there for us to justelevate in certain levels of
life.
Shay Cook (08:28):
So with that I know that I have to do it and some
people could argue like Shay andMontoya, you don't need that
house, you could have just beenrenting.
Or you don't need that car youcould have just been using the
bus.
We don't live in that place, butyou know and so there is way
and.
But there are people in citiesthat don't have the house, they
don't have the car.
(08:49):
They can say you know, youdon't need that business.
You could have been working anine to five and then we
wouldn't have any debt.
Quote, unquote.
Let's talk about why we're so.
We're very just aspirational.
We're like nah, we trying to dobig things.
We got big minds like bigdreams.
Montoya Silver (09:09):
And that requires some kind of funding,
which usually is debt.
I mean I think it's just, itgoes to your desires and what
you want in life.
I mean I don't judge or shamepeople that are okay with living
minimal.
I just desire, I like certainthings, I want certain things in
life.
We come from a middle-classupbringing so our parents had
homes, thank you God.
You know we always had cars,thank you God, like we always
(09:33):
had things.
So, just naturally in life youjust want to elevate a little
more.
I mean, and I feel the same forall of us I mean we're all
blessed to be in a situationwhere we have a little better
than our parents and we didn'thave the money to sit to the
side.
I mean they didn't give us themoney to get these things, so we
had to get debt so that wecould purchase certain things in
(09:54):
life.
So I think it's just you know,I don't shame anybody for living
like that, but I do like nicethings.
I want to enjoy the life Godsaid he's going to give me the
desires of my heart, not yours.
So if your heart desires tolive a minimal lifestyle, fine,
but I desire nice things.
So unfortunately I gotta getthat to get them stopped I mean
(10:17):
it's a tool, so let's.
Shay Cook (10:18):
I guess sometimes we gotta change that self-talk and
that talk around it.
It's like, nah, it's not a badthing.
It's something we went in, wesigned a paperwork, an agreement
, like you do with a job or ahouse, or like you do with
anything, even with schoolingand even with a marriage.
Montoya Silver (10:36):
You have to sign a marriage letter and there's
stuff that comes with that.
You know that's a debt.
Shay Cook (10:43):
These husbands are debt man.
Montoya Silver (10:45):
They're just good and bad.
Shay Cook (10:46):
Big debt so we had to sign the paperwork and but we
were responsible to say, allright, we're gonna pay this, you
know, and you've given us thistool, this bank, financial
institution, whatever, and we'rejust gonna utilize it to the
best of our ability and beresponsible with it.
Then it's not a bad thing.
And yeah, it might come withsome interest, some extra fees.
You know, like that damn EIDLlooked at it yesterday, that
(11:09):
daily compensation rate.
Montoya Silver (11:11):
Shame on you, sba government that's a whole
other episode because I couldreally go off on them right now.
Yeah, bring me back for thatone.
Shay Cook (11:19):
But and that was also our fault, because I should
have been looking at thepaperwork and looking wait a
minute, what is this?
Hundreds of thousands ofdollars times this 30 days?
Oh yeah, that's daily.
Anyways, going back to that, sowe sign the paperwork and we
pay our bills and we, you know,and some people like you said,
no shame to those that liveminimal and no shame to those
that have even more debt.
(11:39):
And that's what you know,crusaders for Change is here for
.
If you feel in a certain way,you come here.
I always plug that.
We're here to help you withthat.
Montoya Silver (11:48):
But you know you got to change your mindset
around.
Shay Cook (11:51):
She's like, yeah, all right, let's talk about some
biblical strategies to pay offdebt.
So how have you turned to God,bible or anybody in like the
religious world to help you withpaying off debt, even if it's
not actually paying at all, butjust a strategy.
Montoya Silver (12:04):
Yeah, so what I've done is that, because debt
still to this day, as you knowin our other conversations,
caused me major anxiety.
So, I had to know in the word itsays, be anxious for nothing.
I had to know where my helpcame from.
So, even though I'm in debt, Ihad to know that God is going to
supply all my needs, as long asI'm being responsible with it
(12:27):
now and being a good stewardover my money.
That he will supply and he has,even with the debt.
That has caused me anxietybecause I just don't.
It's just that thing aboutowing people and then you know
you get to that times whereyou're tight and you're like but
I still got to pay this person.
It's just like.
Even those times he's justoffering me peace.
So to know that I got you, Like, if I did it before, I'll do it
(12:50):
again.
So that's the peace and theunderstanding and knowing where
my hope comes from.
That's those principles that Ihave in my spirituality, to know
that I'm going to be okay samehere.
Shay Cook (13:03):
I just feel like an obedience of God is teaching us
a lesson through all of thesetimes, and learning that lesson
I think God would be talking tome.
This is how I think God talkedto me Like okay, daughter, I
mean really, why are we doingthis again?
How many times I got to teachyou this?
And that's in many things inlife outside of just finances,
but even finances, like when Iwas in my twenties and spending
(13:25):
and spending on credit andcredit.
And then like finally, he'slike, he sat me down, it's like
all right, you need to readthese disclosures and really
understand how this interestaccumulates and how you're going
to be in debt forever if youkeep on paying just a small
amount, right?
So then, once I read that, ohman, I was like I ain't doing
this again.
And then I just didn't want tobe a slave to the master of
(13:46):
financial institutions.
And I ain't saying I don't haveno debt, y'all, but I mean,
when it comes to credit cards, Istruggle with that, especially
with the race going up and up,up 25%.
We were just talking with theteam today that some of the
store cards are back to 36%,which is crazy.
It's crazy.
Montoya Silver (14:02):
You know how many things I could buy.
Shay Cook (14:04):
I mean, we actually were developing calculators for
our new landing page for thebusiness and we were putting it
in, and I put it in like a$660,000 home or even $900,000
home.
I was doing that.
The interest that you pay onthat was almost a million
dollars over the life of 30years.
I could have bought one or twoor three more homes if we were
down south.
Montoya Silver (14:22):
That's crazy.
Shay Cook (14:24):
So when I see that's what it gets into my spirit of
like, oh my God, like I don'twant to be paying all that
interest.
But how else am I going to beable to afford this house, like
you said, because we're nottrust fund babies.
I didn't get hit the lotto.
I mean, I mean a lottery like Ididn't, you know.
No, I mean I have to work forthis and I'm paying for it
monthly.
But man, man.
Montoya Silver (14:45):
It's hard, it's crazy, it is hard.
Shay Cook (14:48):
Yeah, god got us, he does.
It is uncomfortable.
And how do you deal with theuncomfort outside of, just like
you know, biblical strategies?
Montoya Silver (14:58):
I mean honestly, how do I deal with it now, like
actively, because I still amuncomfortable.
Or even in the past I mean inthe past there's different
systems.
You know Crusaders for Change,my sister has given me great
(15:19):
tools throughout my journey ofadulthood and dealing with
different times in my life whereI was irresponsible, I mean.
But now today I'm definitelymore aware of what I'm doing,
more responsible because of thetools that I've been taught.
But it still gets hard thoughit still is very uncomfortable
to know that because I feel likelife changes, like especially
(15:39):
being an entrepreneur, likeincome changes in your business
and income changes in yourhousehold, your business and
income changes in your household.
But if you have theseresponsibilities, as like a
mortgage, that's somethingthat's fixed, that's not going
to change.
So how do I just make sure thatI'm paying this?
Or if you have a slow month inbusiness but you still have
those bills or those loansthat's due, how do I adjust?
(16:02):
Like I'm still learning how tobe uncomfortable, because you
have to just learn to functionin being uncomfortable.
Shay Cook (16:09):
Yeah, because that's where God does his best work.
Montoya Silver (16:12):
Yeah, that's where faith happens.
Shay Cook (16:13):
I just read about that reason.
God does his best work when hischildren are weak and need him.
Because when we don't need himquote, unquote we don't need him
.
Then we think we knoweverything.
Our egos get big.
We're like, okay, let me keepit moving.
God, I got this.
You told me to do what, but I'malready doing it.
So whatever, whatever.
And then when you finally getto that point back, you need him
(16:35):
again.
You'd be like man, you neededme in the highs and the lows and
you need to remember that.
But then, when we're weak andwhen we're uncomfortable, I
think I mean, I know that's whatthe Lord says he keeps us there
.
Montoya Silver (16:47):
He doesn't keep us there but when we are there
he does his best work Right, andwe got to learn to operate in
that, like you know, sometimesyou'll be so good.
I mean, I feel like I feel likein COVID, you know, we all got
this boost of money and you knowwe was like, oh, you know,
especially this small businessowner that had a $30,000 loan.
(17:07):
And then I'm getting this majorcash and I'm like, oh, I'm good
, I'm going to be able tosustain.
And then you realize that youweren't ready for all that money
.
You got all this money in asense before time, in a sense,
if I could say, where youprobably wasn't ready for it.
It's like giving a rapper a bigold loan and all he buys is
(17:30):
change.
You'd be like you know, likewhy did you do that?
So, because they didn't havethe tools yet to get that money.
Shay Cook (17:36):
Y'all just gave them this money, the knowledge, the
resource, all the tools.
Yeah, they didn't know.
They was like I'm just tryingto be like you know this person
and like, nah, you got to learn.
Montoya Silver (17:45):
So then you learn, but you got.
So in that time it's easy totrust God when you have all this
money in the bank and you know,because you say, oh, God gave
me this, God gave me this, buthe's still giving you stuff when
you don't have it, when youonly have the little bit of
money or when sales are low whenthe sales are high, like you,
just got to continue to trustthem throughout the whole time,
(18:06):
and that's when that faith comesin.
Shay Cook (18:08):
so, but it's not easy it's not easy, because then you
get that big amount and you'rethinking it's gonna last and it
don't last as long as you thinkit is, because first of all, you
have all these grand ideas, oh,I'm gonna do this, I'm gonna do
this and do this, and you startseeing the number come down
like and then for me, so I didnuse it, like I didn't use it for
like six months.
Montoya Silver (18:27):
I got my.
Shay Cook (18:27):
EIDL.
I didn't use it.
I got it in December of 21 towhatever it was.
I didn't use it until that June.
I remember talking to Mr Hunthe's our tax guy.
Shout out to the Hunt companyand man, he's our CPA, to be
more specific.
But he, he was like so I calledhim like in April, it's like
all right, I got this influx ofmoney.
Like well, he's like all right,I'm glad you called me, let's
(18:47):
talk about this.
So we came up with some ideas.
You know, marketing people,marketing people, that's how you
boost your business, right?
So I was like yeah, but then Ihad some other things I want to
do working with Mahogany Hut.
Shout out to her with somethings, and then I let it sit
for another year before I use it, Cause I was scared to use it.
Montoya Silver (19:07):
It's a lot of money.
Shay Cook (19:09):
He tried to just blow this money.
And then I started hiringpeople and made mistakes with
that and then I was like, oh man, I regret it, but God was like
I got you, I got you, he did.
Man, I was getting refunds backthat came back to dad and doing
all of this and he's like I gotyou, like you need you.
You putting EIDL SBA on an idolas an idol.
(19:30):
You need to just look to me.
What are you looking to?
This money in a bank I'm tryingto fill you a certain way and
then, as it's going down, I'mlike no, seriously, seriously,
and then doing it on your owntoo.
Montoya Silver (19:49):
It's like of course we have God, but which is
no, but you know we have God,but then it's like having those
Mr Hutts around you or justother people around you that
been there.
So that's always a thing that'shard to when you have, like
debts.
It's like you want to hear fromdifferent business owners that
maybe that you aspire to be orthey're making the profits or
have the businesses.
It's just hard finding thatnetwork sometime of people
(20:10):
that's true To be able to helpyou.
Shay Cook (20:13):
When I did find them, they were in the same boat that
was drowning.
So it's like did you feel goodabout it?
I mean, these are multimilliondollar businesses that I've
talked to owners that have takenout that money or had the PPP.
Thank God that was forgiven foryou guys.
I didn't take advantage of that.
I was literally the day I wentto get my PPP loan.
(20:34):
They shut it down, I missed thecutoff, but whatever.
And so then EIDL all thesepeople and you hear about all
these I mean NFL, all thesemajor corporations that got that
money and some of thatillegally.
But then you talk to them andthey're like yeah, you know, I'm
trying to pay it off too,because a lot of those people
run low margins.
(20:54):
I mean, they don't theirprofits.
You think they're makingmillions and millions of dollars
.
They man, they either run lowor high and they're paying so
much they only making like fivepercent profit, which is crazy.
So they're not able to pay offall that debt because they put
it into something and then theygo bankrupt, which I'm finding
now people use that as a tool, apositive tool, to reset
(21:16):
basically, when I thoughtbankruptcy was a bad thing too.
Montoya Silver (21:19):
Yeah, because you know, we know somebody
Millionaires out here filingbankrupt, bankrupt, bankrupt.
Like we know big people in bigplaces that did it all the time
and we used to judge them fornot knowing that that's what
they do.
Shay Cook (21:32):
You just don't want to be a part of it.
And now they're the presidentof the United States.
Montoya Silver (21:35):
That's the big person, anyways, but that's just
a part of the game.
I think it's like being onefoot in and one foot out, like
we grew into entrepreneurship.
It wasn't something we wereborn into, so we didn't know all
the tools and I say that evenwith personal debt, we didn't
have the tools to know how to dostuff Nobody.
(21:59):
So I feel like you stepped outIf I just take our household as
growing up in kids and like youknow, nobody was teaching us
about good debt, bad debt,credit and I know you talked
about this on this platform manytimes before so it took you
being that person going out andlearning the tools and bringing
it back to me and our brotherand stuff like that, and then
(22:21):
now to the nation.
You know about how to do itproperly.
So I feel like we need that forbusiness as well.
C4c can start something forthat.
Shay Cook (22:31):
You know, for business as well.
We got some proposals out there.
Yeah, nice, we're listening,yeah.
Montoya Silver (22:36):
Because, you know, because we need the shade
in business as well, like weneed C4C in businesses as well,
because it's not so accessible.
I've been to banks to talk toabout debt.
I had CPAs plural, yeah, andit's still.
It's just like you're doing itright, you're running lean,
(22:58):
you're doing this right.
Shay Cook (22:59):
I'm like, no, that's crazy, because at one time I was
running, so running solely myCPA was like you run it too,
like because that's why you keepon.
Oh, I had to spend.
So I went oh, but then then I'mlearning, I'm in this Goldman
Sachs program and I'm like, yeah, that's great.
(23:19):
On one end you spend so youdon't owe at the end of the
beginning of the year.
But then if you, if you arelean, then you owe and you don't
owe, you get a refund.
Yeah, you owe.
And then you have this issuewhen you need funding because
the banks, credit unions,financial institutions want to
see you have a profit.
But if you're running, so it'slike this whole, like you said,
you're in and out because you'relike all right, I need to make
sure I spend all that money,especially on people in
(23:39):
marketing, where I'm going toget the most deductions.
But then so I don't get, Idon't owe too much, or I get a
refund or I break even, but thenif I don't spend a lot now I'm
going to owe.
So I got to make sure I havethat money in savings or I'm
paying my estimated taxes.
There's a lot of stuff out therethat you write Ain't?
Nobody taught us none of this.
We had family members that wasbusiness owners and nobody
(24:00):
taught us about the real deal ofbeing a business owner.
And I mean it started with mein college, like you and you
actually UMBC and UMUC at thetime, now UMGC University of
Maryland Global Campus.
But either way, I minored inbusiness because I wanted to
know like and they one of myclasses I was in it was
entrepreneur class they made medo a business plan and so I got
(24:23):
to see from A to Z, like all ofthe stuff that goes into it.
So I was like, wow, like youneed that.
Montoya Silver (24:29):
Yeah, you do, you do, we need that.
So I just it just can be verydiscouraging.
So what I've been trying to dorecently is try to apply the
same principles that I'velearned on the personal side to
business side, and a lot oftimes it does translate, but
then sometimes.
But the difference is it's like, you know, in the household I
(24:53):
mean, I know the government soit's not as stable, but you you
have like a certain amount ofincome coming in which you know
you know you talk, yeah, youhave a certain amount of income
coming in, you know you put out.
But with business, you know youtalk, yeah, you have a certain
amount of income coming in.
Shay Cook (25:09):
you know what you put out, but with business.
Montoya Silver (25:10):
You know that fluctuates so much, so much it's
yeah, that is where the grayline is for me, or that's like
kind of like still trying tounderstand.
It is that, especially when itcomes to my debt, like my fixed
expenses are pretty solid, butwhen it comes to, okay, I have
my debt and I'm paying theminimum, but I'm not trying to
pay it for 30 years, like I'mtrying to pay this off so that I
can scale my business, so thatI can acquire even more debt, so
(25:33):
that I can scale my business,so it's just, it doesn't
translate like that personal.
Shay Cook (25:39):
I think I finally figured out the secret formula
today.
I know Right, I'm like I'llgive a little bit on here Y'all
going to have to change?
Yeah, exactly, but you know, Ihad this debt, just really
simple, high level.
I had this debt as well Creditcard debt.
I've been building up from theevent this year, took my money,
(25:59):
bow and all this other stuff.
But what I did is, you know,there's a period in a time in
your business where you mighthave more income than debt or
expenses.
Putting that aside and just for30 to 60 days to see if you can
go 30 to 60 days without usingthat, and then putting it on
your credit or your debt, and Idid that.
So I just set aside.
(26:19):
I didn't put in a savings, Ijust set aside in my checking
account, business checking as Iput this inside and see if I can
pay all I still do, all of myfixed expenses, still pay my
people and all of that, and thatmoney was still there.
I'm getting chills because Iknow that was Jesus, because
that to me was another thing offaith too.
It was like all right, Laura,I'm going to try something here.
(26:39):
I'm going to put this moneyaside, and if I have to use this
for regular expenses I will.
But if it's still sitting therein 30, 60 days, I'm putting
that joker on a credit card.
I paid her on a credit cardthis weekend, and.
But it doesn't always happenthat way, because sometimes I
have to use that money forexpenses and so you just like,
sometimes you just got to beable to play and see, because
you're going to have ebb andflows, but some months are going
(27:01):
to be way higher and instead ofputting it on yourself, I mean
you can, you can give yourself anice little bonus.
You know, give your peoplesomething, but then some of the
rest of it can go to debt orsavings.
So, to me.
That was just kind of playingthat out.
Because I'm trying to figurethis out, I'm trying to break
this quote for people out therethat are like us because yeah,
it's real, you're right.
A lot of that translatespersonal to professional, which
(27:24):
I want to teach people that aswell, because people out here
got low credit scores, got a lotof debt and they trying to be
business owners or they arebusiness owners Like I can't get
no funding.
I won't give you no fundingeither with a 500 credit score.
I'm sorry, so like we're hereat Crusaders for Change to help
people that, but when it comesto you know when your money is
all over the place, then we kindof figure that out and say, all
(27:44):
right, you got to do someforecasting and some projecting.
You got to be like all right.
Every year the last five yearsI noticed an influx in July and
August.
Montoya Silver (27:52):
Yeah.
Shay Cook (27:52):
That money needs to be planned for, and that's
another key.
You got to plan for it.
You can't just let it sit thereand just not name it.
I always tell everybody everydollar and it ain't got to be
down to the cent, but for meit's down to the zero.
Like I, every dollar has acategory, has a plan, has a
purpose, and that's what Godwants, and that's including
tithing.
That's including saving.
That's kind of taking care ofyour family because God wants
(28:15):
our first fruits, because we'rejust, we're just on, it's just
on loan to us.
But yeah, so you know, justtrying to figure out how do we
avoid that financial bondage inthe future.
Right, because you know you'resaying you can serve good debt.
I always felt like studentloans at one time was good debt
because you were gettingeducation.
Yeah, even though they messedthat all up with the interest
rates and everything giving ustoo much money.
(28:35):
I believe too.
But housing, you got to get amortgage most time, not all the
time.
You can choose the rent, butrent's going up and it's not
fixed and it's all over theplace.
It's better to own.
That sometimes is our bestasset is our house.
So you know, just trying tofigure out that.
I mean, the average Americancarries $90,000 in debt.
So how?
can faith change that and that's90,000.
(28:56):
I know a lot of clients outthere or we have a lot of
clients that are that's their,just their credit card just
unsecured.
Montoya Silver (29:04):
So how does your ?
Shay Cook (29:04):
faith change that.
Montoya Silver (29:06):
I mean, look, I've been there, so no judgment
on the other side.
Yeah, amen, but you got to justbe responsible.
Like it's crazy, I woke up withKanye West's quote.
I think it was Kanye West'squote, it was so random.
I have a problem spending moneybefore I get it.
I'm the first to admit it.
I have a problem spending moneybefore I get it.
I'm the first to admit it.
I don't know why I woke up withthat, but it helped me this
(29:28):
morning.
It helped me this morningbecause that's the problem right
there.
It's like you go to swipe thatcredit card and you spend the
money you don't have it.
Shay Cook (29:40):
You don't even have a plan to pay it off.
Montoya Silver (29:42):
Spending money before I get it.
So you got to be the first toadmit it, so that you can get
help.
Shay Cook (29:47):
The first thing to anything is admitting you got a
problem.
So yeah, that's right there.
Montoya Silver (29:53):
So I mean, yeah, people have this.
You know, big thing.
I'm finally to the point in mylife where my faith is pretty
strong, like I face.
But you know you can't do stuffwhere it goes against your
faith, like you go and spendmoney before you get it and you
want God to pay it off.
It's just like that's nothaving faith, that's being
foolish, like that's thedifference between you.
(30:15):
Know.
Faith is like okay, lord, Ireally want this thing and I'm
just going to save up to get it,and I know that you're going to
help me supply this thing.
I know that you're going tohelp me supply this.
I know that that's really faith, that you spending it before
and then praying that God pay itoff.
Shay Cook (30:28):
Now, most of the time he'll still help you.
But the obedience to me comesbecause if God says to do
something, he going to provide,so, like, even with the podcast,
he's going to provide, you know, or just even helping, like I
had this, you know, paying formy daughter's college.
My daughter, my husband and I,like I was like Lord, I'm going
to have to cut into it, and Italked about this last episode.
(30:48):
I have to cut into my tithingbecause, like, where am I going
to get that money from?
It's going to end.
So he still provided, but Istill tithe, you know.
So it's just finding those waysand so, like, I'm going to do
that right now with the business.
In order for a business to grow, you have to be able to dream
and forecast right, and so thenyou have to trust God If he's
showing you you got to do this,but you ain't got the money cash
(31:10):
, and now I got to take it froma loan or credit card or line of
credit or whatever.
That's faith right there,because I don't know if this is
going to pan out and it mightnot, and it's just something you
have to learn, right, I'm sureyou've been there as a business
owner.
Montoya Silver (31:23):
I'm there and I was going to say that's the
other side of it, because forwhat I say, it sounds
insensitive, like yeah, I'mspending before I get it, yeah,
but some stuff you don't need,you know, like some stuff we
could wait on.
But then sometimes you need toscale, like I had to scale my
business and I had to get a loanto scale my business and I am
(31:45):
still not on the other side ofmy scale yet.
But I have to have faith tobelieve that if he supplied it
to me and he allowed me to haveit and I prayed over every
application and I prayed thatGod, you know, help me with this
.
I know he's going to supply andhe has God.
Thank you, jesus.
I'm not in the fault ofanything.
I'm still able to pay all mybills and pay my people.
(32:08):
I've never missed a pay for mypeople.
That's a blessing right there.
That is a huge blessing.
I really don't take that lightlythat I'm able to pay my people
and pay my debt and yourself.
Shay Cook (32:19):
This is something I wanted to talk about.
This will be the last big topicof this podcast episode is
because I want to talk about.
This will be the last big topicof this podcast episode is
because I want to talk aboutthat Like for real.
There's so many people outthere that do not pay themselves
or will forego payingthemselves, and we've been
blessed not to have that happenand we talked about this.
If it gets to the point that Ican't pay myself, then I don't
(32:40):
need people on my team.
Montoya Silver (32:41):
No Because, especially like we're both in
service businesses Like peopleon my team.
No because, especially likewe're both in service businesses
Like I'm still behind the chairin my business.
I'm still bringing money goodmoney into my business, and this
is all I do, like we don't playentrepreneurship, like I'm not
on social media playing that I'mopening this business and this
business Like this is how Icontribute to feeding my family.
(33:01):
So, I can't go without payingmyself or you know.
So I have to make sure that nowhave I had to move stuff?
Yeah, of course yeah absolutelyso that I can make sure because
one thing my people are goingto know if they work for a
textures they're going to getpaid Rightfully so, like
rightfully so.
Shay Cook (33:22):
But I work for textures too.
And I'm people, my peoplethat's including me as well.
Like I have to pay myself, Igot a lifestyle to maintain,
(33:45):
including the necessity, and,yeah, I got my husband.
That helps.
I'd always want to put that outthere, but you know in order to
have this house.
You do too right, and that'sanother podcast episode we're
talking about, because you knowthose single people out there
will be like you got a husband.
Montoya Silver (34:00):
My husband.
I'm just talking about aboutthat.
This weekend we got two sets ofbills.
We got two sets, yeah exactly.
Shay Cook (34:05):
But don't shame me because I got a husband to help
me out, like go find your man orwhatever you want.
But back on topic here.
Yeah, you know God is justgoing to provide and I always
believe that, especially if he'sgiving it to you in your heart
and your mind and your spirit,he's not going to put an idea in
his child and not provide theresources for it.
(34:26):
And that's not always money,sometimes it's dr candace pruitt
.
I have to give a shout out tospdc.
She has been a huge resource.
The mr hutt, lou hutt, thesecond right, because the third
is his son.
He's been amazing, like we haveso many.
The mentors out there, all ofthe programs we've been through,
all the whatever it may be, youknow those people have, people
(34:47):
have been and even our team justyou know the people that we
surround us with ourselves withhave been super.
Those are the resources God hasgiven us, and so that's
including the money and thepeople, and it all comes
together.
So I just want to, in thismoment, honor that, because
Crusaders for Change textureswould not be where they would be
without God, us, and then allthe people and resources and
(35:09):
funding and money that we neededAbsolutely.
Montoya Silver (35:12):
Yeah, absolutely .
Shay Cook (35:14):
All right Now.
That was great episode thereand talking with you, you know
God wants us to live in freedom,not stress, and I would say one
action step for today is make aplan to tackle at least one
debt this month.
So we like to give our guestsfinal thoughts.
Any final thoughts, sis?
Montoya Silver (35:30):
So I know I'm contradicting myself.
Shay Cook (35:31):
So I guess debt ain't bad y'all, so just make sure
but you said how it makes youfeel.
I know that's different.
Montoya Silver (35:40):
Debt is uncomfortable Anytime you owe
somebody.
Anything is uncomfortable, butthat doesn't mean that it's bad.
So in a sense, it's good to beuncomfortable.
Growth comes in beinguncomfortable.
Shay Cook (35:54):
It does.
And, like I told my daughteryou know she's like she used to
be afraid to spend and debt andall of that To me that's a
healthy fear, because if youweren't fearful of that or
uncomfortable, then you will becreating a lot more debt and
then you will be struggling likemore than you are now.
So to me it's like you need tohave a little pinch of fear, a
little pinch of you know, andsome of us has a little bit more
(36:15):
than others, but that's okaybecause that's going to remind
you always I got to pay this off.
I got to be responsible becauseyou just out here spending and
spending and spending.
Then you're got to beresponsible because you just out
here spending and spending andspending.
Then you're going to be lookingup one day and be like dang it,
I got millions of dollars a day.
What am I going to do?
And these people out here willgive you all of that debt too,
if you allow it, and you gotthat good credit score, so don't
let them take advantage of you.
Make a plan to tackle at leastone debt this month, y'all.
(36:38):
Thank you for joining us.
Thank Montoya Silver, beautifulwoman, oh, and I have to say, by
the time you listen to thisepisode, she will be in her 40s.
Montoya Silver (36:49):
Pray for me.
Shay Cook (36:50):
What I'm headed to my 50s and you know what it's a
blessing.
I know these are crazy.
Montoya Silver (36:56):
You got some years.
Shay Cook (36:57):
I got three years, three and a half, three and a
half years, but still, you know,I'm just to me, whatever age
you are, big age or little age,it's just like.
God is good because there'smany people out there that have
not seen the forties.
Montoya Silver (37:10):
So I'm going to walk into it with my head up.
Shay Cook (37:13):
Happy birthday.
July is about to be hercelebration month, so happy
birthday, thank you for joiningus.
Yes, love you.
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
(37:36):
feel free to leave us a review.
For the latest Yahweh's Moneycontent, visit us at
crusaders4changeorg or find usanywhere you listen to podcasts.
Until next time, stayfinancially fit and spiritually
inspired, and remember it'salways better Yahweh's way.
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