Episode Transcript
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Speaker 1 (00:04):
Hey there, I'm Priscilla. I'm so glad that you're joining
us for the Chat with Priscilla. This is a place
where you can just come and relax and hang out
with me and just talk about some things that I
hope will be inspirational to you, challenging to you, and
today I think informative to you, really informative. You know,
we live in a culture where being broke is kind
of normal. Being in debt, being strapped financially, that's what
(00:25):
we see all around us, and for many of us,
that's what we were raised seeing by our parents. But
we're talking to a guest today who's going to help
us to break all of that in our lives and
to find wealth in the sense of freedom in our
lives financially. I cannot wait to talk to Rachel Cruz,
so stay tuned. Hello there, I'm Priscilla, and I'm so
(01:07):
glad that you're joining us. This is the Chat with Priscilla,
And what we do is just kind of sit around
together in a living room and talk about hopefully things
that will inspire you and challenge you and be important
to you. And plus we just want you to have
a good time, So grab a cup of hot something,
you know, a latte, coffee, tea, whatever suits your fancy,
and just pull up a chair and have a conversation
with us, really this time around, about something that's really
(01:29):
really important. I've got some friends around me who are
going to help, because today I am with someone who's
been sharing something with us that is going to change
all of our lives. Her name is Rachel Cruz, and
together with her dad, Dave Ramsey, they are really changing
the mindsets of people all over the country and the
world when it comes to being smart about their money.
So I wonder if you all will please help me
(01:50):
to welcome Rachel Cruz back to the program today. Well,
here's the deal. It's not just me and Rachel this
time around. You need to know that this is part
two of a conversation we have already been having. So
if you have not viewed part one, you need to
because we had some great insight from our friend Rachel
(02:12):
about how to raise children in a way. Well, they
will want to be free financially, they'll want to be
smart about their money. So we've got a few cute, sweet,
wonderful children up here who want to learn a little
bit about what it means to be wise financially. So
I want to introduce them to you. This is Annelie.
She is eleven years old. Say hi, y Annalie. This
(02:36):
is eleven years old and together with her sister right
there over there, that's Tasiana, right, Tasiana. Yes, okay, this
is ten and eleven year old sisters. And they are
already learning about tithing, about giving back to the community,
about saving. But they want to know how they can
save and be prepared for things like college in the
future and getting a car. You want a car, yes, ye,
(02:58):
stuff like that, and being wise about their money. And
then sitting right next to her is Laura. Laura is
a freshman. Hi, Laura, Laura loves to shop. That's what
we heard about you, Laura. Is that true?
Speaker 2 (03:08):
Yeah?
Speaker 1 (03:09):
What's your favorite store?
Speaker 3 (03:11):
It kind of depends on what I'm feeling.
Speaker 1 (03:15):
Oh oh, change variety. We can kind of understand that
it's what's your feeling. Yeah, okay, but what's your your favorites.
Give me a couple of your favorites, like just.
Speaker 3 (03:26):
The Fever twenty one and like American Eagle.
Speaker 1 (03:30):
Yeah, yeah, you can't go wrong with that. Good for you. Bravo, Bravo.
And then over there on the end is Jonathan. He
is a high school senior. Hello, Jonathan. Jonathan is preparing
to you know, you're already preparing for college, and you're
one to think about how to go to college and
be wise about your money there. Hopefully scholarships are going
to come in for you to go to school, and
so your parents are going to be helping you with
college if you need help. But also you just want
(03:52):
to be able to be wise and be helpful, so
we might talk about student loans and stuff like that
as well. So what I want to do is allow
Rachel just a few more moments to kind of share
with you some of her main thoughts about how to
be wise in your stage of life to set you
up good for the future. But then I also want you,
guys to be thinking about questions that are specific to
you that you would really like to hear Rachel answer
(04:13):
for you. Okay, so Rachel, you have the floor, go ahead.
Speaker 4 (04:15):
Yes, Oh gosh, Well for you girls, I would say,
the fact that you even know what tithing is is huge, right,
I Mean, that's an amazing thing. So understanding that giving
is important, saving is important, and spending is important as well,
learning how to spend wisely is great. So one thing
I think you guys can do is to lay a
great foundation for yourselves is to understand how.
Speaker 2 (04:35):
To work and the importance of work.
Speaker 4 (04:38):
And so maybe you can ask your parents if you
can do a few chores around the house. And so
what I did at your age is I kept a
chre chart on the refrigerator.
Speaker 2 (04:47):
So I had the chores listed out in the.
Speaker 4 (04:49):
Days of the week, and whenever I did them, I
checked them off.
Speaker 1 (04:52):
Now are you saying you personally organized for yourself a
chore calendar or.
Speaker 2 (04:57):
Your movie or may not have been my parents that.
Speaker 1 (05:01):
Do any of your parents have a chor chart situation
happening at home?
Speaker 4 (05:04):
Not?
Speaker 1 (05:04):
Yeah, no, But do.
Speaker 2 (05:05):
You have chores?
Speaker 5 (05:06):
Not yet?
Speaker 1 (05:07):
But do you have chores that you do you do
that you're responsible for? Okay, So are y'all getting an
allowance or do you get a regular allowance whether you
do the chores or not? Or is your allowance kind
of based on the chores?
Speaker 6 (05:18):
No?
Speaker 2 (05:18):
No, mine is like.
Speaker 1 (05:21):
So just chores, no allowance?
Speaker 3 (05:23):
Yeah, okay, what about like mine's like I get like
ten dollars every week just like for cause recently and
still we have like football games and those are like
seven dollars to get in, so I always have that
plus other stuff.
Speaker 1 (05:38):
Okay, So what I heard about you, if I remember correctly, Laura,
is that you get your allowance, but you get it
on a debit card situation, right, so that when that
money is gone, it is just gone, and then your
parents also then kind of have a track record of
how you're spending your money. Is that how the situation works? Yes, Rachel,
what do you think about that? Because we talked about
allowance in part one, So what do you think about
(05:58):
kind of a setup like that where money give it
on a debit card situation so it can be monitored
and so that when it's gone, it's gone.
Speaker 2 (06:04):
Absolutely. So you're what a freshman in high school perfect.
Speaker 4 (06:07):
So when I was exactly your age, my parents said
the exact same thing. So if you have teenagers in
the house, I would say to figure out the amount
of money that you would normally spend on your kids
and put in a checking account and do exactly what
you're doing.
Speaker 2 (06:18):
So you have your own debit card, you have checks.
You may or may not write checks, but you have
that account.
Speaker 4 (06:25):
And so for you you have to learn the responsibility
that when the money's gone, it's gone. And I'll tell
you when I was your age, I had my accounts
for about three months and I got a letter in
the mail from the bank. Oh, that's not good because
I am a suspender like you, love to shop all
of that. And so I ended up bouncing three checks
out of my accounts.
Speaker 2 (06:46):
Yeah, I'm being Dave Ramsey's daughter, and bouncing three checks
is not a good thing.
Speaker 4 (06:50):
And so my dad actually maybe go down to the
bank and personally apologize to the bank branch manager, yeah, for.
Speaker 7 (06:59):
Lying to him.
Speaker 4 (07:00):
Yeah, because I told him I had money in his
bank to spend and I didn't.
Speaker 2 (07:05):
And that's a lie.
Speaker 1 (07:06):
It's a lie.
Speaker 4 (07:06):
So at fifteen years old, I went down there and
had to go in this banker's office and tell.
Speaker 1 (07:10):
You, you know what, that's one of those You know,
this is like two decades ago, so I can talk
about it, you can talk about it. Yeah, this is
two decades ago before there was this whole Facebook social
media thing. Because you know, there are parents now that
have their kids standing out there with a poster board
written off written on the postboard exactly what it was
that they did this was your dad doing this before
social media?
Speaker 8 (07:30):
Oh?
Speaker 4 (07:30):
Absolutely, yeah, yeah, yeah, and I actually had to go
see the.
Speaker 2 (07:33):
Guy face to face.
Speaker 1 (07:33):
It wasn't just posted.
Speaker 2 (07:35):
Yeah, So I learned my lessons.
Speaker 4 (07:36):
So I did learn that when the money's gone, it's gone,
and you can't keep writing checks. So but what you're
learning is an incredible, incredible responsibility and that's great.
Speaker 2 (07:44):
And I think that you.
Speaker 4 (07:45):
Know, you having that account and understanding how debit card
and checks and all that work, I think it's fantastic.
So so I would say you, yes, spending money is
so fun, and I want you to be able to
spend and go shopping and enjoy.
Speaker 2 (07:56):
Right, we all live closed as girls live closed.
Speaker 4 (07:58):
But learning to give some of that in saving some
of that as well, because those principles you will if
you start those that those principals today, Oh, it's going
to be so much easier in the future, because I
think a lot of people think, especially high school and
college students, that well, once I have a lot of money,
then that's when I can You know, once I, once
I start making money, it's easier to do these things.
Speaker 1 (08:16):
And in fact, it gets.
Speaker 4 (08:17):
Harder the more money you make. If you haven't put
those principles in action. It's like, oh, it's so much
harder to do that. So if you can start out
with a little bit like you have and give and save,
it'll it'll be wonders. But you can still spend and
go to them all in the joy.
Speaker 3 (08:28):
I have to baby sit and dog sit to get
more money and stuff, and recently I just I just
like finished one of those jobs.
Speaker 2 (08:36):
So I have like that from.
Speaker 3 (08:37):
Doing it, and I like my mom has it like
with her, So I don't spend it all that's good
and so I like because I always spend it at
school because there's like this coffee shop at school and
it's always spend.
Speaker 1 (08:54):
It's always the coffee. So now that you have that money,
what you're going to do is tithed with it. You're
gonna save some of it. Because see here's the thing.
If you say you always have money, you always you
will never be without money if you have always taken
a little bit out of everything you've gotten all along
the way and kept some of it. Jonathan, I'm looking
at you. You're like the strong, silent type over there.
(09:17):
I want to know what question you might have is
you're kind of on the cusp of heading into a
new season of your life. What are some of the
things that concern you or that you're wondering about regarding finances.
Speaker 7 (09:27):
Yeah, I think I think for me, the big thing
along with along with knowing I'm going into college and hoping,
you know, for different scholarships of different types, but also
don't want to get in the student debt. And I'm
not even sure totally how all that stuff works yet,
you know, And so I know that will be a
process that I'll get accustomed too, I guess. But and
then also the saving tithing thing is something I definitely
(09:50):
struggle with, and I'm not you know, I mean being
in high school and trying to go out and make
memories after football games, so we go to waffle House
and going just going out to eat all the time
house and so going out to eat before the game,
and then going out to eat after the game and going.
Speaker 5 (10:04):
Out to eat halftime.
Speaker 7 (10:06):
I'm sure, you know, And so we're always trying to
go out to eat, and so that the whole saving
processes and necessarily the first thing on my mind in
those times. And I'll try to tell myself once every
hundred or so times to not eat half time and
then still end up getting something anyways. But yeah, so
those are definitely two areas that I'm struggling in. I know,
I need to be aware of.
Speaker 4 (10:26):
Sure, well, at least you're going to waffle house and
not risk Chris, right, so yeah, you're just you know, yeah,
or you can drink water when you go times memories
can be made with just water. But yeah, I think
those disciplines for sure in action. But the student loan
thing is huge, and that's something that so many people
struggle with, and so many adults still carry around with
them years and years and years later. And the thing
(10:47):
about student loan debt that I've realized is that it's
become so normal and that people really do believe this
lie that you can't go to college without student loans,
that you can't be a student without a student loan.
Speaker 2 (10:56):
And then what we've even done.
Speaker 4 (10:57):
Is say, oh, well, you know, go go to whatever
school you want to go to, because you're gonna be
taking out loans anyway, So you just go and follow
your passion, follow your joy, major and whatever you want
to you know, left handed puppetry.
Speaker 2 (11:10):
That's fine, you know, whatever it is, go get you know,
and so it's just this.
Speaker 4 (11:14):
People just wander into this, into this season of their life,
and there's no planning, there's no preparation, and there's no
one screaming at this generation stay away from student loans.
No one is saying that. They're saying, well, it's just impossible,
so just go get them. And so what I've realized
is that student loans are the roadblock to this generation.
Speaker 2 (11:33):
And so when you.
Speaker 4 (11:33):
Graduate with tens of thousands of dollars in debt, I'm
finding that so many people aren't able to go do
the things that they want to do. They're not able
to go do the things that they feel like they're
called to do. I was talking to a guy already
behind absolutely yeah, and he was ninety thousand dollars in
student loan debts and I was talking to about a
college and it was a very nice college, great college,
but ninety thousand dollars night. And he told me, Rachel,
(11:55):
I want to graduate and I want to go be
a missionary.
Speaker 2 (11:57):
I feel called to the mission field.
Speaker 5 (11:59):
What do I do?
Speaker 4 (12:00):
And I was like, you can't go to the mission field, right,
I mean, you have to go get a job and
pay these bills, like those bills are coming that you
have to pay for. And so just realizing that, gosh
that he probably ninety thousand dollars, I mean, that's a
mortgage right without a house. And so just seeing that
and so just understanding, Okay, if you stay in state,
(12:21):
get that in state tuition, or you get scholarships and grants.
Speaker 2 (12:24):
Oh, it's amazing that free money and working.
Speaker 4 (12:26):
If the average college student works twenty hours a week,
they can pay their way through an in state school.
And so those things combine and it's not going to
be fun, right if you go down this route, like
those four years are not fun. But if you work
so hard in those four years and you sacrifice what
everyone's doing, then the next forty years of your life
you're free.
Speaker 2 (12:43):
You're able to go do what you want to do.
Speaker 4 (12:45):
You can take the low paying job if you want,
because that's what you want to do.
Speaker 2 (12:47):
You don't have bills to keep up with.
Speaker 4 (12:48):
So those four years of sacrifice is huge just to
get yourself in a position where you are debt free
when you graduate.
Speaker 1 (12:56):
We're going to talk more with Rachel Cruzan, these incredible
young people to make sure that they are put on
the path to financial freedom. We'll be right back after this.
Speaker 8 (13:12):
If you're feeling discouraged and defeated, if you're a bit overwhelmed,
or maybe even feeling undone, if you're wondering whether or
not your future has any hope of victory, then listen.
Speaker 1 (13:23):
This Bible study is for you. Strongholds are torn down
by the word of God. Fortresses are dismantled by the
word of God.
Speaker 9 (13:32):
When you place faith in Jesus Christ, the righteousness of
Christ is credited to your spiritual bank account. That you
are the righteousness of God in Christ, Jesus, I invite
you to join me for a lesson in putting on the.
Speaker 1 (13:47):
Full armor of God. Our lives are going to be changed,
yours and mine, because we're going to learn if we've
got the victory in Jesus' name. Hey there, welcome back.
(14:11):
We are talking to some fantastic young people who want
to be smart about their money. They want to have
financial freedom in their life. We've got everybody from ten
eleven years old, freshman in high school, senior about to
go off to college. And of course we have Rachel
Cruz who is joining us and answering all of our
financial questions. Because whether you are forty or ten, then
you need to be taught how to be wise about
(14:32):
your money. So that's awesome. We're so glad that all
of you are joining us. One of the things that
Rachel and I talked about in part one of our
conversation was the issue of contentment, just kind of being
okay with what you have and not having to have
the latest and the greatest, the new thing. Talk about
that from your own experience. I want to ask you
two questions. I want to ask you if contentment is
hard for you, Like if you've just got the new sweater,
(14:55):
but then forever twenty one comes out with the next sweater,
like it has lace on the bottom of it instead
this time. Whatever, If it's hard for you to just
be happy with the one you have, so I want
to talk about that with y'all. Then I also want
to ask you what you see in adults today, like
your parents and your parents' friends. Do you kind of
see them just always going to get the new, latest,
greatest thing, or do you s do you have adults
(15:16):
in your life that are kind of content with what
they have? So let's let's start with the first question. First,
how is contentment and gratitude for you. Is it hard
for you to just kind of enjoy what you have
when you see somebody else with the next best thing? Yeah,
it is, okay, tell us about that.
Speaker 4 (15:32):
Hmm.
Speaker 6 (15:33):
Well, like you say, you're at school and everybody else
has something that you don't have, kind of makes you
feel left out or something.
Speaker 1 (15:41):
Do you feel like other people say things that make
you feel left out or do things that make you
fee left out? Or is it kind of in your
own mind that you must be left out?
Speaker 6 (15:49):
It's sort of in my own mind, like say that
somebody's like, do you think somebody is doing something behind
your back or making fun of you? Really just going
through your mind and you and it's not really happening.
Speaker 1 (16:05):
Yeah, So it's really something you're putting on yourself that
you're feeling like I must be left out or kind
of less than because they have that new thing and
I didn't. I didn't get that new thing. How about you, guys?
Speaker 6 (16:17):
Really not that hard for me, but sometimes it might be.
Speaker 2 (16:22):
Sometimes it's not.
Speaker 1 (16:24):
Does it depend on the thing it is, y the
thing that you're looking at. Okay, what about maybe like
the iPhone comes out or something. Oh, you're nodding, Okay,
talk to.
Speaker 2 (16:31):
Us about that.
Speaker 3 (16:34):
Well, everyone's talking about like the new six s and
stuff like that, and I SA, like, I'm fine with
my phone. I don't really care. It's a phone, just
it all has the same apps and stuff and you
can text on it just like everyone else. It's just
cause it's bigger and can Siri has more S capabilities. Yeah, yeah,
(16:56):
I am fine with phones.
Speaker 1 (16:59):
And but what are you not fine with? What is
something that you see other people have and it kind
of makes you.
Speaker 3 (17:03):
Gough, Well, as I said, like shopping, kind of like clothes,
Like I'm fine with having like the clothes that I have.
And obviously, like you just going down the hallway or
like in the mall or something and you see someone
wearing something like cute and you're like, oh, I want that.
So yeah, it's not like I'm fine, it's just kind
(17:27):
of like, oh, I really want that.
Speaker 1 (17:29):
Yeah. So if you were to discover, okay, maybe Jonathan,
you can help me with this. If you were to
discover that the thing you're looking at that this person
has that new phone or whatever, it's really cool and
you really want it. But then you discover later through
the grapevine or something that that person actually went into
debt to get it, so they didn't have the money
for it, but they got it, and now it's really
(17:50):
keeping them strapped, Like they cannot go to waffle House
now because they kind of can't go, but because they
spend all their money on the on the phone. So
if you found that out, do you, honestly do you
think you would still feel a little bit of pressure
to want that phone anywhere? Or would you rather have
the extra money so that you can have the freedom
to go to white House? Which would you choose?
Speaker 7 (18:10):
I think for me personally, I would I would keep
what I had and not worry about getting the new phone.
It's never in terms of the new phone, it's narrow specifically,
that's never been a huge problem for me.
Speaker 1 (18:24):
I guess, or whatever your thing is, you know, whatever.
Speaker 5 (18:27):
It is, I guess.
Speaker 2 (18:28):
I don't know.
Speaker 5 (18:29):
I think it would be hard. I would.
Speaker 7 (18:31):
I would probably try to stay on the side of
just you know, it's all right, I need to keep
this one out want to go into debt.
Speaker 5 (18:36):
But I think there definitely.
Speaker 7 (18:37):
Would be times of being around that person enough or
seeing it enough and just realizing, dang, you know, that
really would be sweet to be able to have that mulflouse.
Speaker 5 (18:44):
Can I can buy it from a friend or something
like that, you know.
Speaker 1 (18:47):
But buy one, get one free exactly.
Speaker 7 (18:50):
Try to have my friends pay it off for him,
but I think it would be hard, but I would
definitely try to stay on the debt free side of things.
Speaker 1 (18:57):
Do you think that what you notice in adults, your parents,
your parents' friends, other adults you see at church or whatever,
your teachers at school. Do you think that what you're
learning from the way they handle their stuff? Right? Do
you think it teaches you to be grateful and content
with what you have? Or does the way you see
adults always maybe wanting the next thing, spending more money,
(19:20):
does it actually contribute to you wanting to pattern yourself
after that and always wanting more? What do you see
in the adults around you?
Speaker 6 (19:27):
Well, if they're like wanting everything new, I think they're
just foolish, Like instead of saving the saving their money,
they're just spending it all later on in their life,
They're just not gonna have anymore?
Speaker 4 (19:39):
Right?
Speaker 1 (19:39):
And does it influence you you think when you see that? No, No,
you're such a wise woman, such a yes. What about
you guys? What do you see in the adults around you.
Speaker 7 (19:49):
I feel like I'm in a pretty cool place with
my parents being mature enough and wise enough, and they've
read all of Dave Anzy stuff, you know, and so
they know that.
Speaker 5 (19:58):
But then also having three older siblings.
Speaker 7 (20:00):
We're all twenty, twenty three and twenty five, and so
they're all at stages of just getting out of college
and one of them not going to college, and so
kind of realizing, what i mean, working on their financial
problems themselves, you know, and trying to figure out one
just got married a couple of years ago, and so,
you know, having my parents who are who are more
wise than that and have experienced that more and kind
(20:21):
of have a little more stable that way, but then
also having older siblings to look up to in them realizing,
you know, they're definitely having to cut back on a
lot of stuff that that they didn't have to worry
about when they were my age, you know. And so
I'm starting to get to that age of when I'm
going off to college and then I know, once I
graduate there and I'm totally on my own and realizing, Okay,
I can't be having all this, I can't be doing
all the going out to eat whenever I want because
(20:42):
I have to.
Speaker 5 (20:42):
Pay for my own stuff. Yeah, so I think being able.
Speaker 7 (20:45):
To look up to them and kind of realize I
think I always had looked up to my parents and
still very much to do and realize I want to
be at that place where I can be very secure
and stable in that way, but also realizing that where
my older siblings are realizing, it's gonna be a process
of that, you know, it's gonna have to realize it's
going to have to be cutting back on stuff and yeah,
you know, my older brother and his wife, they don't
have a TV in their house, you know. And I
(21:06):
heard about that at first and thought that, you know,
that's the craziest thing in the world. And you get
there and realize, note, it's not you know, and they're
telling you notes for the money.
Speaker 5 (21:11):
Isn't of it? They don't, they don't need it.
Speaker 4 (21:13):
And Larry Briquette used to say that so many people
spend the first five to seven years in their marriages
trying to obtain the same stands of living as their parents,
but it took their parents thirty years to get there.
Speaker 2 (21:24):
And so I think that's exactly right.
Speaker 4 (21:25):
I mean you see people starting out the right way
in a sense of like okay, yeah, because you see
what your parents have and you want to drive those cars,
live in those houses, have those vacations, go.
Speaker 2 (21:34):
To those restaurants. Right, you want to live that life.
Speaker 4 (21:37):
But it took them thirty years to get there, and so.
Speaker 2 (21:39):
That patience aspect is huge. That's great.
Speaker 1 (21:42):
What are some of the lessons that you would want
these four kids and kids that are watching and parents
as well to know. What are the what would you
say are the top three sort of instrumental pieces of
advice that you learn from your parents or that you
have gleaned along the way as you've studied and become
wise in financial freedom and information? What would you say
(22:02):
are just the kind of the anchors that keep you
headed in the right direction.
Speaker 4 (22:07):
Sure, I would say for you guys, I'll stick with
kind of the basics because I think they're great.
Speaker 2 (22:12):
I think spending.
Speaker 4 (22:13):
I think I want people to know you can enjoy
your life. I want you, if you're working hard and
God has blessed you, I want you to enjoy it.
Speaker 2 (22:19):
I want you to enjoy the outdi the shopping, all
of that.
Speaker 4 (22:21):
So being wise as money doesn't mean that you live
in a cave and Collick lint, right, I mean, you
can like have fun and enjoy. So I want you
to feel that freedom to enjoy when you have the money.
Number two, I would say, stay away from debt at
all costs.
Speaker 2 (22:34):
Stay away from debt. Don't you don't have the money.
Speaker 1 (22:37):
Did you hear that?
Speaker 2 (22:37):
Don't.
Speaker 1 (22:39):
I'm just saying because when you go to college, that's
when you see all the people standing there with their
little booths talking about how this is the interest rate
that's going to be awesome for you.
Speaker 4 (22:47):
And get a gret t shirt and a free pizza, right,
I mean it's yeah, it's all there. So staying away
and just saying no, saying no, I'm going to save
up and pay and it'll be hard at times, but
I promise the sacrifice is worth it. And then lastly,
I would say, learn to be a.
Speaker 2 (23:00):
Giver, learn to be generous.
Speaker 4 (23:02):
If you live your life with an open hands, you know,
I believe, yeah, some money will leave and fall out,
but that gives the opportunity for more to come back in.
And you're giving yourself a position of not only your
hand with your money, but also your heart. That you
really are trusting God and saying Okay, I'm going to
live my life like this, and being a generous person
and serving people. Well, I promise you will get more
(23:23):
out of giving than the person you're giving to. And
if you can start that at your age, it's an
incredible foundation to live just in your life and with
your money.
Speaker 1 (23:31):
Money is important, It is an important part of our life.
But treating it wisely and being good stewards, well, God
has a lot to say about that. And we're so
grateful for people like Rachel Cruz because they help us
to understand the principles that God himself put in place
for our own good and for our own freedom. She
helps us to understand that in words and ways and
methods that we can really bring into practical areas of
(23:54):
our life. So if you do not have a copy
of Smart Money, Smart Kids, you are going to want
to get it because it really will change your life life.
More importantly, it'll change the lives of the young people
that are all around you. Would you, guys, please help
me for all help me thank all of these incredible
people who have joined me today.
Speaker 4 (24:09):
We're so glad that you joined back
Hey there, I'm Priscilla. I'm so glad that you're joining
us for the Chat with Priscilla. This is a place
where you can just come and relax and hang out
with me and just talk about some things that I
hope will be inspirational to you, challenging to you, and
today I think informative to you, really informative. You know,
we live in a culture where being broke is kind
of normal. Being in debt, being strapped financially, that's what
(00:25):
we see all around us, and for many of us,
that's what we were raised seeing by our parents. But
we're talking to a guest today who's going to help
us to break all of that in our lives and
to find wealth in the sense of freedom in our
lives financially. I cannot wait to talk to Rachel Cruz,
so stay tuned. Hello there, I'm Priscilla, and I'm so
(01:07):
glad that you're joining us. This is the Chat with Priscilla,
And what we do is just kind of sit around
together in a living room and talk about hopefully things
that will inspire you and challenge you and be important
to you. And plus we just want you to have
a good time, So grab a cup of hot something,
you know, a latte, coffee, tea, whatever suits your fancy,
and just pull up a chair and have a conversation
with us, really this time around, about something that's really
(01:29):
really important. I've got some friends around me who are
going to help, because today I am with someone who's
been sharing something with us that is going to change
all of our lives. Her name is Rachel Cruz, and
together with her dad, Dave Ramsey, they are really changing
the mindsets of people all over the country and the
world when it comes to being smart about their money.
So I wonder if you all will please help me
(01:50):
to welcome Rachel Cruz back to the program today. Well,
here's the deal. It's not just me and Rachel this
time around. You need to know that this is part
two of a conversation we have already been having. So
if you have not viewed part one, you need to
because we had some great insight from our friend Rachel
(02:12):
about how to raise children in a way. Well, they
will want to be free financially, they'll want to be
smart about their money. So we've got a few cute, sweet,
wonderful children up here who want to learn a little
bit about what it means to be wise financially. So
I want to introduce them to you. This is Annelie.
She is eleven years old. Say hi, y Annalie. This
(02:36):
is eleven years old and together with her sister right
there over there, that's Tasiana, right, Tasiana. Yes, okay, this
is ten and eleven year old sisters. And they are
already learning about tithing, about giving back to the community,
about saving. But they want to know how they can
save and be prepared for things like college in the
future and getting a car. You want a car, yes, ye,
(02:58):
stuff like that, and being wise about their money. And
then sitting right next to her is Laura. Laura is
a freshman. Hi, Laura, Laura loves to shop. That's what
we heard about you, Laura. Is that true?
Speaker 2 (03:08):
Yeah?
Speaker 1 (03:09):
What's your favorite store?
Speaker 3 (03:11):
It kind of depends on what I'm feeling.
Speaker 1 (03:15):
Oh oh, change variety. We can kind of understand that
it's what's your feeling. Yeah, okay, but what's your your favorites.
Give me a couple of your favorites, like just.
Speaker 3 (03:26):
The Fever twenty one and like American Eagle.
Speaker 1 (03:30):
Yeah, yeah, you can't go wrong with that. Good for you. Bravo, Bravo.
And then over there on the end is Jonathan. He
is a high school senior. Hello, Jonathan. Jonathan is preparing
to you know, you're already preparing for college, and you're
one to think about how to go to college and
be wise about your money there. Hopefully scholarships are going
to come in for you to go to school, and
so your parents are going to be helping you with
college if you need help. But also you just want
(03:52):
to be able to be wise and be helpful, so
we might talk about student loans and stuff like that
as well. So what I want to do is allow
Rachel just a few more moments to kind of share
with you some of her main thoughts about how to
be wise in your stage of life to set you
up good for the future. But then I also want you,
guys to be thinking about questions that are specific to
you that you would really like to hear Rachel answer
(04:13):
for you. Okay, so Rachel, you have the floor, go ahead.
Speaker 4 (04:15):
Yes, Oh gosh, Well for you girls, I would say,
the fact that you even know what tithing is is huge, right,
I Mean, that's an amazing thing. So understanding that giving
is important, saving is important, and spending is important as well,
learning how to spend wisely is great. So one thing
I think you guys can do is to lay a
great foundation for yourselves is to understand how.
Speaker 2 (04:35):
To work and the importance of work.
Speaker 4 (04:38):
And so maybe you can ask your parents if you
can do a few chores around the house. And so
what I did at your age is I kept a
chre chart on the refrigerator.
Speaker 2 (04:47):
So I had the chores listed out in the.
Speaker 4 (04:49):
Days of the week, and whenever I did them, I
checked them off.
Speaker 1 (04:52):
Now are you saying you personally organized for yourself a
chore calendar or.
Speaker 2 (04:57):
Your movie or may not have been my parents that.
Speaker 1 (05:01):
Do any of your parents have a chor chart situation
happening at home?
Speaker 4 (05:04):
Not?
Speaker 1 (05:04):
Yeah, no, But do.
Speaker 2 (05:05):
You have chores?
Speaker 5 (05:06):
Not yet?
Speaker 1 (05:07):
But do you have chores that you do you do
that you're responsible for? Okay, So are y'all getting an
allowance or do you get a regular allowance whether you
do the chores or not? Or is your allowance kind
of based on the chores?
Speaker 6 (05:18):
No?
Speaker 2 (05:18):
No, mine is like.
Speaker 1 (05:21):
So just chores, no allowance?
Speaker 3 (05:23):
Yeah, okay, what about like mine's like I get like
ten dollars every week just like for cause recently and
still we have like football games and those are like
seven dollars to get in, so I always have that
plus other stuff.
Speaker 1 (05:38):
Okay, So what I heard about you, if I remember correctly, Laura,
is that you get your allowance, but you get it
on a debit card situation, right, so that when that
money is gone, it is just gone, and then your
parents also then kind of have a track record of
how you're spending your money. Is that how the situation works? Yes, Rachel,
what do you think about that? Because we talked about
allowance in part one, So what do you think about
(05:58):
kind of a setup like that where money give it
on a debit card situation so it can be monitored
and so that when it's gone, it's gone.
Speaker 2 (06:04):
Absolutely. So you're what a freshman in high school perfect.
Speaker 4 (06:07):
So when I was exactly your age, my parents said
the exact same thing. So if you have teenagers in
the house, I would say to figure out the amount
of money that you would normally spend on your kids
and put in a checking account and do exactly what
you're doing.
Speaker 2 (06:18):
So you have your own debit card, you have checks.
You may or may not write checks, but you have
that account.
Speaker 4 (06:25):
And so for you you have to learn the responsibility
that when the money's gone, it's gone. And I'll tell
you when I was your age, I had my accounts
for about three months and I got a letter in
the mail from the bank. Oh, that's not good because
I am a suspender like you, love to shop all
of that. And so I ended up bouncing three checks
out of my accounts.
Speaker 2 (06:46):
Yeah, I'm being Dave Ramsey's daughter, and bouncing three checks
is not a good thing.
Speaker 4 (06:50):
And so my dad actually maybe go down to the
bank and personally apologize to the bank branch manager, yeah, for.
Speaker 7 (06:59):
Lying to him.
Speaker 4 (07:00):
Yeah, because I told him I had money in his
bank to spend and I didn't.
Speaker 2 (07:05):
And that's a lie.
Speaker 1 (07:06):
It's a lie.
Speaker 4 (07:06):
So at fifteen years old, I went down there and
had to go in this banker's office and tell.
Speaker 1 (07:10):
You, you know what, that's one of those You know,
this is like two decades ago, so I can talk
about it, you can talk about it. Yeah, this is
two decades ago before there was this whole Facebook social
media thing. Because you know, there are parents now that
have their kids standing out there with a poster board
written off written on the postboard exactly what it was
that they did this was your dad doing this before
social media?
Speaker 8 (07:30):
Oh?
Speaker 4 (07:30):
Absolutely, yeah, yeah, yeah, and I actually had to go
see the.
Speaker 2 (07:33):
Guy face to face.
Speaker 1 (07:33):
It wasn't just posted.
Speaker 2 (07:35):
Yeah, So I learned my lessons.
Speaker 4 (07:36):
So I did learn that when the money's gone, it's gone,
and you can't keep writing checks. So but what you're
learning is an incredible, incredible responsibility and that's great.
Speaker 2 (07:44):
And I think that you.
Speaker 4 (07:45):
Know, you having that account and understanding how debit card
and checks and all that work, I think it's fantastic.
So so I would say you, yes, spending money is
so fun, and I want you to be able to
spend and go shopping and enjoy.
Speaker 2 (07:56):
Right, we all live closed as girls live closed.
Speaker 4 (07:58):
But learning to give some of that in saving some
of that as well, because those principles you will if
you start those that those principals today, Oh, it's going
to be so much easier in the future, because I
think a lot of people think, especially high school and
college students, that well, once I have a lot of money,
then that's when I can You know, once I, once
I start making money, it's easier to do these things.
Speaker 1 (08:16):
And in fact, it gets.
Speaker 4 (08:17):
Harder the more money you make. If you haven't put
those principles in action. It's like, oh, it's so much
harder to do that. So if you can start out
with a little bit like you have and give and save,
it'll it'll be wonders. But you can still spend and
go to them all in the joy.
Speaker 3 (08:28):
I have to baby sit and dog sit to get
more money and stuff, and recently I just I just
like finished one of those jobs.
Speaker 2 (08:36):
So I have like that from.
Speaker 3 (08:37):
Doing it, and I like my mom has it like
with her, So I don't spend it all that's good
and so I like because I always spend it at
school because there's like this coffee shop at school and
it's always spend.
Speaker 1 (08:54):
It's always the coffee. So now that you have that money,
what you're going to do is tithed with it. You're
gonna save some of it. Because see here's the thing.
If you say you always have money, you always you
will never be without money if you have always taken
a little bit out of everything you've gotten all along
the way and kept some of it. Jonathan, I'm looking
at you. You're like the strong, silent type over there.
(09:17):
I want to know what question you might have is
you're kind of on the cusp of heading into a
new season of your life. What are some of the
things that concern you or that you're wondering about regarding finances.
Speaker 7 (09:27):
Yeah, I think I think for me, the big thing
along with along with knowing I'm going into college and hoping,
you know, for different scholarships of different types, but also
don't want to get in the student debt. And I'm
not even sure totally how all that stuff works yet,
you know, And so I know that will be a
process that I'll get accustomed too, I guess. But and
then also the saving tithing thing is something I definitely
(09:50):
struggle with, and I'm not you know, I mean being
in high school and trying to go out and make
memories after football games, so we go to waffle House
and going just going out to eat all the time
house and so going out to eat before the game,
and then going out to eat after the game and going.
Speaker 5 (10:04):
Out to eat halftime.
Speaker 7 (10:06):
I'm sure, you know, And so we're always trying to
go out to eat, and so that the whole saving
processes and necessarily the first thing on my mind in
those times. And I'll try to tell myself once every
hundred or so times to not eat half time and
then still end up getting something anyways. But yeah, so
those are definitely two areas that I'm struggling in. I know,
I need to be aware of.
Speaker 4 (10:26):
Sure, well, at least you're going to waffle house and
not risk Chris, right, so yeah, you're just you know, yeah,
or you can drink water when you go times memories
can be made with just water. But yeah, I think
those disciplines for sure in action. But the student loan
thing is huge, and that's something that so many people
struggle with, and so many adults still carry around with
them years and years and years later. And the thing
(10:47):
about student loan debt that I've realized is that it's
become so normal and that people really do believe this
lie that you can't go to college without student loans,
that you can't be a student without a student loan.
Speaker 2 (10:56):
And then what we've even done.
Speaker 4 (10:57):
Is say, oh, well, you know, go go to whatever
school you want to go to, because you're gonna be
taking out loans anyway, So you just go and follow
your passion, follow your joy, major and whatever you want
to you know, left handed puppetry.
Speaker 2 (11:10):
That's fine, you know, whatever it is, go get you know,
and so it's just this.
Speaker 4 (11:14):
People just wander into this, into this season of their life,
and there's no planning, there's no preparation, and there's no
one screaming at this generation stay away from student loans.
No one is saying that. They're saying, well, it's just impossible,
so just go get them. And so what I've realized
is that student loans are the roadblock to this generation.
Speaker 2 (11:33):
And so when you.
Speaker 4 (11:33):
Graduate with tens of thousands of dollars in debt, I'm
finding that so many people aren't able to go do
the things that they want to do. They're not able
to go do the things that they feel like they're
called to do. I was talking to a guy already
behind absolutely yeah, and he was ninety thousand dollars in
student loan debts and I was talking to about a
college and it was a very nice college, great college,
but ninety thousand dollars night. And he told me, Rachel,
(11:55):
I want to graduate and I want to go be
a missionary.
Speaker 2 (11:57):
I feel called to the mission field.
Speaker 5 (11:59):
What do I do?
Speaker 4 (12:00):
And I was like, you can't go to the mission field, right,
I mean, you have to go get a job and
pay these bills, like those bills are coming that you
have to pay for. And so just realizing that, gosh
that he probably ninety thousand dollars, I mean, that's a
mortgage right without a house. And so just seeing that
and so just understanding, Okay, if you stay in state,
(12:21):
get that in state tuition, or you get scholarships and grants.
Speaker 2 (12:24):
Oh, it's amazing that free money and working.
Speaker 4 (12:26):
If the average college student works twenty hours a week,
they can pay their way through an in state school.
And so those things combine and it's not going to
be fun, right if you go down this route, like
those four years are not fun. But if you work
so hard in those four years and you sacrifice what
everyone's doing, then the next forty years of your life
you're free.
Speaker 2 (12:43):
You're able to go do what you want to do.
Speaker 4 (12:45):
You can take the low paying job if you want,
because that's what you want to do.
Speaker 2 (12:47):
You don't have bills to keep up with.
Speaker 4 (12:48):
So those four years of sacrifice is huge just to
get yourself in a position where you are debt free
when you graduate.
Speaker 1 (12:56):
We're going to talk more with Rachel Cruzan, these incredible
young people to make sure that they are put on
the path to financial freedom. We'll be right back after this.
Speaker 8 (13:12):
If you're feeling discouraged and defeated, if you're a bit overwhelmed,
or maybe even feeling undone, if you're wondering whether or
not your future has any hope of victory, then listen.
Speaker 1 (13:23):
This Bible study is for you. Strongholds are torn down
by the word of God. Fortresses are dismantled by the
word of God.
Speaker 9 (13:32):
When you place faith in Jesus Christ, the righteousness of
Christ is credited to your spiritual bank account. That you
are the righteousness of God in Christ, Jesus, I invite
you to join me for a lesson in putting on the.
Speaker 1 (13:47):
Full armor of God. Our lives are going to be changed,
yours and mine, because we're going to learn if we've
got the victory in Jesus' name. Hey there, welcome back.
(14:11):
We are talking to some fantastic young people who want
to be smart about their money. They want to have
financial freedom in their life. We've got everybody from ten
eleven years old, freshman in high school, senior about to
go off to college. And of course we have Rachel
Cruz who is joining us and answering all of our
financial questions. Because whether you are forty or ten, then
you need to be taught how to be wise about
(14:32):
your money. So that's awesome. We're so glad that all
of you are joining us. One of the things that
Rachel and I talked about in part one of our
conversation was the issue of contentment, just kind of being
okay with what you have and not having to have
the latest and the greatest, the new thing. Talk about
that from your own experience. I want to ask you
two questions. I want to ask you if contentment is
hard for you, Like if you've just got the new sweater,
(14:55):
but then forever twenty one comes out with the next sweater,
like it has lace on the bottom of it instead
this time. Whatever, If it's hard for you to just
be happy with the one you have, so I want
to talk about that with y'all. Then I also want
to ask you what you see in adults today, like
your parents and your parents' friends. Do you kind of
see them just always going to get the new, latest,
greatest thing, or do you s do you have adults
(15:16):
in your life that are kind of content with what
they have? So let's let's start with the first question. First,
how is contentment and gratitude for you. Is it hard
for you to just kind of enjoy what you have
when you see somebody else with the next best thing? Yeah,
it is, okay, tell us about that.
Speaker 4 (15:32):
Hmm.
Speaker 6 (15:33):
Well, like you say, you're at school and everybody else
has something that you don't have, kind of makes you
feel left out or something.
Speaker 1 (15:41):
Do you feel like other people say things that make
you feel left out or do things that make you
fee left out? Or is it kind of in your
own mind that you must be left out?
Speaker 6 (15:49):
It's sort of in my own mind, like say that
somebody's like, do you think somebody is doing something behind
your back or making fun of you? Really just going
through your mind and you and it's not really happening.
Speaker 1 (16:05):
Yeah, So it's really something you're putting on yourself that
you're feeling like I must be left out or kind
of less than because they have that new thing and
I didn't. I didn't get that new thing. How about you, guys?
Speaker 6 (16:17):
Really not that hard for me, but sometimes it might be.
Speaker 2 (16:22):
Sometimes it's not.
Speaker 1 (16:24):
Does it depend on the thing it is, y the
thing that you're looking at. Okay, what about maybe like
the iPhone comes out or something. Oh, you're nodding, Okay,
talk to.
Speaker 2 (16:31):
Us about that.
Speaker 3 (16:34):
Well, everyone's talking about like the new six s and
stuff like that, and I SA, like, I'm fine with
my phone. I don't really care. It's a phone, just
it all has the same apps and stuff and you
can text on it just like everyone else. It's just
cause it's bigger and can Siri has more S capabilities. Yeah, yeah,
(16:56):
I am fine with phones.
Speaker 1 (16:59):
And but what are you not fine with? What is
something that you see other people have and it kind
of makes you.
Speaker 3 (17:03):
Gough, Well, as I said, like shopping, kind of like clothes,
Like I'm fine with having like the clothes that I have.
And obviously, like you just going down the hallway or
like in the mall or something and you see someone
wearing something like cute and you're like, oh, I want that.
So yeah, it's not like I'm fine, it's just kind
(17:27):
of like, oh, I really want that.
Speaker 1 (17:29):
Yeah. So if you were to discover, okay, maybe Jonathan,
you can help me with this. If you were to
discover that the thing you're looking at that this person
has that new phone or whatever, it's really cool and
you really want it. But then you discover later through
the grapevine or something that that person actually went into
debt to get it, so they didn't have the money
for it, but they got it, and now it's really
(17:50):
keeping them strapped, Like they cannot go to waffle House
now because they kind of can't go, but because they
spend all their money on the on the phone. So
if you found that out, do you, honestly do you
think you would still feel a little bit of pressure
to want that phone anywhere? Or would you rather have
the extra money so that you can have the freedom
to go to white House? Which would you choose?
Speaker 7 (18:10):
I think for me personally, I would I would keep
what I had and not worry about getting the new phone.
It's never in terms of the new phone, it's narrow specifically,
that's never been a huge problem for me.
Speaker 1 (18:24):
I guess, or whatever your thing is, you know, whatever.
Speaker 5 (18:27):
It is, I guess.
Speaker 2 (18:28):
I don't know.
Speaker 5 (18:29):
I think it would be hard. I would.
Speaker 7 (18:31):
I would probably try to stay on the side of
just you know, it's all right, I need to keep
this one out want to go into debt.
Speaker 5 (18:36):
But I think there definitely.
Speaker 7 (18:37):
Would be times of being around that person enough or
seeing it enough and just realizing, dang, you know, that
really would be sweet to be able to have that mulflouse.
Speaker 5 (18:44):
Can I can buy it from a friend or something
like that, you know.
Speaker 1 (18:47):
But buy one, get one free exactly.
Speaker 7 (18:50):
Try to have my friends pay it off for him,
but I think it would be hard, but I would
definitely try to stay on the debt free side of things.
Speaker 1 (18:57):
Do you think that what you notice in adults, your parents,
your parents' friends, other adults you see at church or whatever,
your teachers at school. Do you think that what you're
learning from the way they handle their stuff? Right? Do
you think it teaches you to be grateful and content
with what you have? Or does the way you see
adults always maybe wanting the next thing, spending more money,
(19:20):
does it actually contribute to you wanting to pattern yourself
after that and always wanting more? What do you see
in the adults around you?
Speaker 6 (19:27):
Well, if they're like wanting everything new, I think they're
just foolish, Like instead of saving the saving their money,
they're just spending it all later on in their life,
They're just not gonna have anymore?
Speaker 4 (19:39):
Right?
Speaker 1 (19:39):
And does it influence you you think when you see that? No, No,
you're such a wise woman, such a yes. What about
you guys? What do you see in the adults around you.
Speaker 7 (19:49):
I feel like I'm in a pretty cool place with
my parents being mature enough and wise enough, and they've
read all of Dave Anzy stuff, you know, and so
they know that.
Speaker 5 (19:58):
But then also having three older siblings.
Speaker 7 (20:00):
We're all twenty, twenty three and twenty five, and so
they're all at stages of just getting out of college
and one of them not going to college, and so
kind of realizing, what i mean, working on their financial
problems themselves, you know, and trying to figure out one
just got married a couple of years ago, and so,
you know, having my parents who are who are more
wise than that and have experienced that more and kind
(20:21):
of have a little more stable that way, but then
also having older siblings to look up to in them realizing,
you know, they're definitely having to cut back on a
lot of stuff that that they didn't have to worry
about when they were my age, you know. And so
I'm starting to get to that age of when I'm
going off to college and then I know, once I
graduate there and I'm totally on my own and realizing, Okay,
I can't be having all this, I can't be doing
all the going out to eat whenever I want because
(20:42):
I have to.
Speaker 5 (20:42):
Pay for my own stuff. Yeah, so I think being able.
Speaker 7 (20:45):
To look up to them and kind of realize I
think I always had looked up to my parents and
still very much to do and realize I want to
be at that place where I can be very secure
and stable in that way, but also realizing that where
my older siblings are realizing, it's gonna be a process
of that, you know, it's gonna have to realize it's
going to have to be cutting back on stuff and yeah,
you know, my older brother and his wife, they don't
have a TV in their house, you know. And I
(21:06):
heard about that at first and thought that, you know,
that's the craziest thing in the world. And you get
there and realize, note, it's not you know, and they're
telling you notes for the money.
Speaker 5 (21:11):
Isn't of it? They don't, they don't need it.
Speaker 4 (21:13):
And Larry Briquette used to say that so many people
spend the first five to seven years in their marriages
trying to obtain the same stands of living as their parents,
but it took their parents thirty years to get there.
Speaker 2 (21:24):
And so I think that's exactly right.
Speaker 4 (21:25):
I mean you see people starting out the right way
in a sense of like okay, yeah, because you see
what your parents have and you want to drive those cars,
live in those houses, have those vacations, go.
Speaker 2 (21:34):
To those restaurants. Right, you want to live that life.
Speaker 4 (21:37):
But it took them thirty years to get there, and so.
Speaker 2 (21:39):
That patience aspect is huge. That's great.
Speaker 1 (21:42):
What are some of the lessons that you would want
these four kids and kids that are watching and parents
as well to know. What are the what would you
say are the top three sort of instrumental pieces of
advice that you learn from your parents or that you
have gleaned along the way as you've studied and become
wise in financial freedom and information? What would you say
(22:02):
are just the kind of the anchors that keep you
headed in the right direction.
Speaker 4 (22:07):
Sure, I would say for you guys, I'll stick with
kind of the basics because I think they're great.
Speaker 2 (22:12):
I think spending.
Speaker 4 (22:13):
I think I want people to know you can enjoy
your life. I want you, if you're working hard and
God has blessed you, I want you to enjoy it.
Speaker 2 (22:19):
I want you to enjoy the outdi the shopping, all
of that.
Speaker 4 (22:21):
So being wise as money doesn't mean that you live
in a cave and Collick lint, right, I mean, you
can like have fun and enjoy. So I want you
to feel that freedom to enjoy when you have the money.
Number two, I would say, stay away from debt at
all costs.
Speaker 2 (22:34):
Stay away from debt. Don't you don't have the money.
Speaker 1 (22:37):
Did you hear that?
Speaker 2 (22:37):
Don't.
Speaker 1 (22:39):
I'm just saying because when you go to college, that's
when you see all the people standing there with their
little booths talking about how this is the interest rate
that's going to be awesome for you.
Speaker 4 (22:47):
And get a gret t shirt and a free pizza, right,
I mean it's yeah, it's all there. So staying away
and just saying no, saying no, I'm going to save
up and pay and it'll be hard at times, but
I promise the sacrifice is worth it. And then lastly,
I would say, learn to be a.
Speaker 2 (23:00):
Giver, learn to be generous.
Speaker 4 (23:02):
If you live your life with an open hands, you know,
I believe, yeah, some money will leave and fall out,
but that gives the opportunity for more to come back in.
And you're giving yourself a position of not only your
hand with your money, but also your heart. That you
really are trusting God and saying Okay, I'm going to
live my life like this, and being a generous person
and serving people. Well, I promise you will get more
(23:23):
out of giving than the person you're giving to. And
if you can start that at your age, it's an
incredible foundation to live just in your life and with
your money.
Speaker 1 (23:31):
Money is important, It is an important part of our life.
But treating it wisely and being good stewards, well, God
has a lot to say about that. And we're so
grateful for people like Rachel Cruz because they help us
to understand the principles that God himself put in place
for our own good and for our own freedom. She
helps us to understand that in words and ways and
methods that we can really bring into practical areas of
(23:54):
our life. So if you do not have a copy
of Smart Money, Smart Kids, you are going to want
to get it because it really will change your life life.
More importantly, it'll change the lives of the young people
that are all around you. Would you, guys, please help
me for all help me thank all of these incredible
people who have joined me today.
Speaker 4 (24:09):
We're so glad that you joined back
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