July 8, 2025 • 32 mins
What every new parent should know?
Raising kids is expensive! 💸 Maurice and Kafi break down the real costs of parenthood, offering practical advice on financial planning and community reliance.
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Connect with Maurice and Kafi:
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Raising kids is expensive! 💸 Maurice and Kafi break down the real costs of parenthood, offering practical advice on financial planning and community reliance.
- The expenses are immeasurable: There is no fixed number for raising a child from diapers to a diploma.
- Community is essential: It truly takes a village to provide support and resources.
- Planning is key: Understand your finances and seek support to navigate the challenges.
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Connect with Maurice and Kafi:
- Instagram: https://bit.ly/followNoFruitonIG
- Youtube: https://bit.ly/followNoFruitonYoutube
- To be a guest: https://bit.ly/beaguestonthenofruitpodcast
- Business Email: mchism@chismgroup.net
- Business Address: PO Box 460, Secane, PA 19018
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
From diapers to diplomas. Some things that you just always
you don't always consider.
Speaker 2 (00:09):
Let's talk about love and lives, the way of God.
Intense life experience to be share from cape transforms.
Speaker 3 (00:32):
What's going on, what's going on? What's going on?
Speaker 1 (00:35):
So have you heard the idea is from diapers to diplomas? Now, well,
I'm going to talk about today is from the diaper's perspective.
I didn't know how expensive diapers were, and then we
(00:57):
talk about diplomas. We have an idea how expensive they are,
an idea, but with inflation everything else, you don't really
know how much it costs. And so what I'm getting
at is is that how many of us, when we
start off as parents, really understand the cost it is
(01:21):
to have a child. So Cougher yes, from a diaper
to diploma financial analysis, because you do finances all the time.
Speaker 3 (01:38):
What would you say to parents today how much it
would cost?
Speaker 4 (01:44):
There is no number? Are you laughing?
Speaker 3 (01:50):
Because that's my There is nothing.
Speaker 4 (01:54):
There's no way, there's really no way to measure you
how much. And you know, statistically they'll try to say,
oh it, you know, to raise a child to the
age of eighteen, it costs this much, and it it
you know, doubles and triples every few years, or maybe
(02:15):
not double and triple, but it expands. But looking back
on our parenting journey and with you know, forever going
to be parents, but there is no value, there is
no number, there's nothing that you can really put towards
(02:36):
towards that journey. You can have out of pocket costs,
but still it doesn't measure up, I think because there's
so many things that go into that equation. There's a
lot of variables, so it makes it a number that's
really really hard to capture. It's your time, it's medical expenses,
(03:05):
like you said, there's diapers. You know, there's so many
choices in diapers now hunt it is. I mean there
were choices back when we had children, Yeah.
Speaker 3 (03:13):
But nowhere near what it.
Speaker 4 (03:14):
Is now, you know.
Speaker 3 (03:16):
But yes, because now you have some.
Speaker 1 (03:18):
That you know are made by recyclable you know, hair brustles.
Speaker 3 (03:23):
I don't know, like.
Speaker 1 (03:26):
You know, I don't know, it's just kind of you know,
it just seems it can't seem overwhelming, Yes, by all
the choices just with.
Speaker 3 (03:34):
That, let alone.
Speaker 1 (03:38):
The bottles or the types of bottles, and again, is
it made by humans or is it made by ants?
Speaker 3 (03:45):
I don't know, you give what I mean, like it's
it's spun by moss. I don't know, you know, it just.
Speaker 1 (03:49):
Feels like it's just you're you're giving a whole lot
of information, a whole lot of references, a whole lot
of whatever, and as your state, there is no number
because once you start to say.
Speaker 3 (04:05):
Whether you know how aware you are, and.
Speaker 1 (04:09):
Whether you're trying to save the planet or save a
couple of dollars, right that all of that, that's two
different costs. That's not even like even just like that,
like you're trying to save something, right, but it doesn't
neither one of them are can necessary be considered economical either?
Speaker 2 (04:28):
Right?
Speaker 3 (04:29):
You know? So so what does that really look like?
You know?
Speaker 1 (04:33):
And so if you're talking from formula or like right now,
like how much is milk?
Speaker 3 (04:41):
Mm hmm? Do you get what I mean? You know?
And so.
Speaker 1 (04:48):
Even though we we we've raised our children and and
and we're looking at other people and you know, we
because it's funny, I'm bringing this up because conference like listen,
the next stage of my life where I should be,
It seemed like I don't want to come so basically
(05:09):
I should. I guess I need to have more babies, right.
Speaker 3 (05:15):
You know, so you know, so you know.
Speaker 1 (05:18):
And so when we take a look at that and say,
in all honestly, like huh could we? Should we?
Speaker 3 (05:27):
And then I look at milk, I'm like I not
the day.
Speaker 4 (05:31):
Well, you know, just to walk through the I tell
people this all the time, to walk through the baby
aisle of Target, because that was what we used to do,
yes when we were early parents. If we walked through
there today and look at the price of a stroller,
the price of a car seat, and note that you
have to buy multile you don't have to, but just
(05:56):
repeating what we've already done, we bought multiple since we
had two cars. We had the growth chart of our children.
You know. So what an infant needs is not the
same thing that a toddler needs, and it is not
the same thing that a five or a seven year
old need, because the law says that you have to
have them in a booster seat, some type of car
(06:17):
seat or whatever up until you know they're over one
hundred pounds or whatever. I would have to brush up
on all those things because I don't know. But just
when we look through those stores and see the prices
of a stroller of a car seat, it's I need
(06:42):
to take out a loan.
Speaker 1 (06:42):
So I'm looking at them right now, right, and so
in all honesty for those of you, I mean right now,
we're blessed.
Speaker 3 (06:50):
We don't have a car note right now, you know.
But but.
Speaker 1 (06:56):
The price of a stroller is caused more then the car.
It will be put in well for the cardinals that
we've had, like we we we were not trying to
put out no six hundred, seven hundred dollars because we
just heard somebody who's doing, you know, looking to do
cardinals at seven hundred dollars a month.
Speaker 3 (07:15):
Like that's retarded, right, But if you're if you're.
Speaker 4 (07:19):
Sorry, if you're doing it, it might not be retarded.
That might work for you and your lifestyle. Don't want
to tell everybody if you're paying seven hundred dollars a
car note that you're retarded. God bless you because you
can do it. Go ahead, you're saying, I mean, may
retarded for us, but it's fine for you. So moving
along well in.
Speaker 3 (07:37):
A financial space, yes, dear, doesn't make sense.
Speaker 4 (07:41):
It depends on what their finances are and what they
have coming in and if it meets their needs and
so forth and so on. So I can't you know,
we're not in everybody's book. We're not, you know. So yes,
they may they may not have household expenses so they
can afford to have a seven hundred dollars card. Note
bless them. Okay, Okay, moving along. So we're looking at
(08:02):
strot retarded.
Speaker 1 (08:05):
The reality is, you know, but but again I also
understand too. Car prices are not the same nothing necess say,
so there is nowhere near.
Speaker 4 (08:16):
We're looking at strollers and we you know, I mean.
Speaker 1 (08:19):
Like right now we're looking at just yeah, like the
stroller prices. It's really hard to find any that are
less than two hundred. There are a few, but there's
way more that's four hundred plus. And we're we're just
looking on the website right now, like, okay, does this
(08:40):
one look okay at three ninety nine ninety nine, it's
not four hundred, you get what I mean. But but
right on this road right here, six three nine, six
hundred and then one ninety nine that's just in this
one row on his website. So what I'm getting at
is is that if we were to really consider having
(09:03):
a child right now, Like Kafa just said, you gotta
take out a loan. You got to take out a
second mortgage, right, you gotta take out a line of credit.
And or you know, I see or understand why people
are waiting until one they're way more established in their
(09:24):
career or whatever it is, and or they got.
Speaker 3 (09:27):
To work two three jobs just to meet this.
Speaker 4 (09:32):
Or as the African proverb says, it takes an entire
village to raise a child. Yeah, so you know when
that time comes for our children to have kids, yes,
it will take the entire village, especially.
Speaker 1 (09:50):
If I want these luxury skincare disposable diapers, you know. Yeah,
it's it's swaddler's snugglers, you know, cruisers, something else, right.
Speaker 3 (10:09):
You know?
Speaker 1 (10:09):
So so yeah, so again, when it comes down to
thinking about this, it's almost like do I really want
to involve myself in that? Like do I really want
to go into this whole space because it doesn't feel economical.
And then we wonder why, you know, people aren't having
(10:32):
as many babies anymore. We wonder why it's a challenge
to make ends meet. You know, it's when when when
you're basic needs right, because because you can't just have
(10:53):
as you just stayed. Like back in the day, you
can just throw a baby in the car and call
it a day, right where you know there, like you said,
to a point where it's like, hey, now it's mandatory
that you have to have this car seat, you have
to have this booster seat, like if you start adding
all those things up, and that's even before the age
of two, right right right, not.
Speaker 4 (11:15):
Alone with the clothes and everything else that goes along
with that, because they grow up quickly and then they
mess up even faster than they grow So yeah, it can.
It's it's a challenge.
Speaker 1 (11:26):
I mean, you're not going to have your two year
old sitting in the car seat. I mean, I mean,
I mean not car seat, in a stroller seat, car seat,
you know what I mean? You know, so I mean
I could like, I'm sorry because I said that, because
I immediately had an image of my son in his
(11:47):
car seat facing the opposite direction, you know, because you
haven't faced the opposite away with his feet up on
the head rest, Like can you imagine that he might
think it's funny, you get what I mean? And I'm
I ain't think it's seeing him tickle his toes into
something like you get with it me, But how long
(12:08):
does that last? In all honesty though, and I'm saying
that because of by the time you're too how tall
is the baby?
Speaker 3 (12:13):
Right? How tall is the child?
Speaker 1 (12:15):
And now I have to now buy something that's either
that can grow with them.
Speaker 3 (12:24):
But what is that real investment?
Speaker 1 (12:26):
Or do I just take and say, hey, you know what,
I'll wait and buy it in stages? But by the
time you get to a stage where they need to
be in this until basically one hundred pounds or whatever
that that law was at one time, I don't know
if it's still that way now, you know, but what
is that? You know, you're like, well why would I
why didn't need to stay in and see until like
(12:47):
they as big as me?
Speaker 4 (12:50):
Right, we have some adult you know, family members that
is you know, just at one hundred pounds, right, So yeah, yeah,
it's it's interesting. But you know, even beyond diapers, you know,
you started the show with from diapers to diplomas, right
(13:10):
in that journey between and then that prize at the
end of a diploma, Yeah, because.
Speaker 1 (13:19):
You think like, oh wow, you got a diploma. Now
you can go out and finvy yourself. Slow down, high speed.
Speaker 3 (13:27):
Yeah, so whoa m Sadi you know.
Speaker 4 (13:31):
Yeah, like you said, how things have changed. Even just
the cost of obtaining a diploma, whether it's you know,
high school diploma, a college diploma, right, it is expensive.
Speaker 1 (13:47):
And that's for those individuals that are truly like you
said something about earlier, about hey you can afford this
car note. Yes, well, you know, even for those individuals
that can afford or to have their children in after
school programs, because again that stuff is not free, no, right,
you know, hey you can afford And I'm gonna go
(14:10):
another spin on this if you can even afford to
have them in church, you know.
Speaker 3 (14:16):
And I'm using that analogy because.
Speaker 1 (14:21):
For the denomination that Kafe and I grew up in,
and especially for myself, I was very very active in church.
Speaker 3 (14:30):
And so there were times.
Speaker 1 (14:34):
Where where you would be gone, you have a youth
weekend somewhere, you got to retreat, You got this whole
workshop over here, and this whole week seminar over there,
or whatever it is.
Speaker 4 (14:50):
You have to wear a certain color on this day
and a different color on that.
Speaker 3 (14:53):
Day, right, you know, and so what was that cast?
Speaker 1 (14:56):
So you know, in all reality, churches back in the
day will help fundraise for some of that, you know,
all that type of stuff. But our churches still doing
that today. Are y'all able to still afford that? Because
what's now your utility bills in set building?
Speaker 3 (15:16):
Right?
Speaker 1 (15:17):
What are the and or what are the things that
the church has to deal with? Because if we're if
we're a new parent and we have this car seat
that we have to pay for that's three hundred dollars.
So it was like, hey, we got a ticket last
month because the baby wasn't in it.
Speaker 3 (15:37):
We gotta get this.
Speaker 1 (15:38):
But guess what now we can't pay the electric in
the water, and now we got to go to the
church dash from for some assistance. Now does the church
make a decision of hey, are we going to help
these individuals with their utilities or we're gonna send these
kids on this trip?
Speaker 3 (15:54):
Right? You know?
Speaker 1 (15:55):
And you know you might my reason, well, that seems
rather extreme. I guess you need to hear some other stories.
Speaker 4 (16:01):
Then you got stories for with Maurice.
Speaker 3 (16:05):
Oh yeah, I do you know so?
Speaker 1 (16:10):
And for those of you who don't know, yes, I
was a church administrator for a little while and I.
Speaker 3 (16:15):
Still talk to a whole whole.
Speaker 1 (16:18):
Lot of church leaders and pastors because child say, that's
who we are. We're small business consultants for religious and
non profit organizations. So we hear this these type of
stories all the time. It's not a foul, it's not false.
It's it's based off of experiences and conversations.
Speaker 3 (16:39):
So and so even when we're talking to some of these.
Speaker 1 (16:45):
Nonprofit organizations and how they really want to help their
community and and you know, these parents they need this
type of assistance. I guess what though, sometimes that assistance
that that nonprofits are getting to pay for or to
help out these things are drying up as well because
everybody's pulling their dollar a little tighter, right, and or
(17:09):
these services cost so much more. You know, there's one
nonprofit where, you know, we were working with. They really
wanted to do a after school program with some young
people and.
Speaker 3 (17:23):
They were going to learn instruments.
Speaker 1 (17:25):
Well, there was a piece of that of them learning
instruments that somebody brought up, well, what if an instrument broke,
which is a valid question. Yes, someone did the research
to find out how much it would cost to repair
one instrument could buy a whole other one pretty much.
(17:48):
That was per per their research, right, And so if
the instrument itself is already two fifty and they broke it,
because here's it, and here's the thing, them breaking it
was not necessarily them breaking it as themselves it is. Hey,
I'm gonna take the instrument home, and I have a
(18:08):
little baby brother or sister that might get into my
stuff by accident, on purpose, whatever it is.
Speaker 3 (18:15):
And now they've broken it. What am I to do?
Speaker 1 (18:19):
So do I have the parent who can't pay electricity
pay for this instrument, or do we as an organization
need to pay for it?
Speaker 3 (18:26):
And so.
Speaker 1 (18:29):
What we're getting at, and I know we're getting all
the way into a whole other set of weeds, a
whole other patch of grass or whatever, or even for
some of us might be a whole patch of sand
and feel like the desert. But the reality is the
cost of a child, from diapers to diplomas, as confiscated earlier.
Speaker 3 (18:49):
There is no number that there is no way.
Speaker 1 (18:52):
To say in all reality, it should cause this amount
of money, because there's so many other factors that we
don't consent, you know, So can you really say, well,
inflation is going to be only this amount of money? Well,
look at the interest rate? How much they how much
those have changed in the last couple of years, right, right?
(19:13):
You know, so was that on a docket anybody? You know,
it's like, you know, expect for that to.
Speaker 4 (19:19):
Happen, Yeah, not the way that it has, right, you know.
Speaker 3 (19:24):
So, so how do you really gain plan?
Speaker 1 (19:28):
And on top of that, they're like, well, you know,
if you say, like I did speak to one person
or financial planner recently, I had an interview with him
on my other show, That Will Never Work podcast where
he spoke about, you know, for every dollar, his recommendation
take out fifteen cents and so when he when he
(19:50):
said that, if you think about it, right, is that
how much is that in the long run? He said,
it might sound small right now now, but imagine if
you took out fifteen cents out of every dollar, what
does that look like moving forward?
Speaker 3 (20:09):
And can you afford that? And that now that's really
for you to game plan for your retirement, which is
what he says is in per his book, He's not
about retirement.
Speaker 1 (20:22):
He's about graduation. Like you're graduating into you know, this
other space. But you know, but if you may took
out fifteen cents out of every dollar from the time
I believe he said from twenty one, because he was
talking about after you graduate to the time you retire
ie sixty five, you know, so that being forty four
(20:43):
years overall, how much is that? You know, and you
made twenty five dollars. Let's say you made twenty five
thousand dollars a year, what is that?
Speaker 3 (20:55):
What does that? You know? What does that be?
Speaker 1 (20:57):
How much will that be in forty four years. That's
not including the interest if you have it in the
right place. But again, as he stated too, the things
that we're because we're talking about from diapers to diplomas,
things that they don't talk to you about in school,
which is how to manage your finances. You know, we
(21:18):
you know, what accounts should you be looking for? What
is the interest rates? You know, all that type of stuff.
Everybody say, hey, put your money in the bank. But
if you have, as he stated, if your bank is
only even making or giving you zero point seven percent
on your you know, on your money versus another bank
that might give you a one point nine percent, that's
(21:40):
a big difference.
Speaker 4 (21:43):
Well, since you're talking all these numbers and you said
that somebody's salary is going to be twenty five thousands.
Speaker 3 (21:48):
I just use it. I just use a basil.
Speaker 4 (21:49):
Well, they can't hand no baby because according to the
ABC News, the average cost in twenty twenty five, excuse me,
a study in twenty twenty three says that it costs
twenty one thousand, six hundred and eighty one dollars to
raise a child per year. So if you only bring
(22:10):
it in twenty five.
Speaker 3 (22:13):
Whole, you're in debt from the rip and you.
Speaker 4 (22:15):
Got a kid and that goes gonna cost you twenty one.
So then I looked up how much does it cost
to raise a child through college? Since we're talking diapers
to diplomas, and according to an article in Time dot com,
that's t I m e. Dot com. I just need
you to guess this number, babe, our our prop from
(22:39):
diapers to diplomas. So are they all the way through college?
Speaker 1 (22:42):
Are they calculating the the from the twenty one thousand
dollar more?
Speaker 4 (22:47):
Now, just give me a number. Guess the number.
Speaker 1 (22:51):
So if I would say is anywhere between three h
undred and ninety thousand to three million.
Speaker 4 (23:04):
You're in the bracket. So if you if you were
going by the twenty one thousand per year, it would
be about that three hundred and eighty to four hundred.
But according to the Time dot com article, it costs
one point one million dollars from birth through undergrad.
Speaker 3 (23:25):
So we and we talk about undergrad by itself, I mean,
and that was.
Speaker 4 (23:30):
Back in two thousand and nine.
Speaker 3 (23:33):
So think about that though.
Speaker 1 (23:34):
So if you're talking about, hey, you know, you're going
to college alone, college alone could be two hundred thousand,
if not more, right, because you're because some colleges, some universities,
their tuition is fifty grand a year.
Speaker 4 (23:50):
Yes, yes, that's the tuition, not including room and power, right,
and books and transportation.
Speaker 3 (23:57):
Right.
Speaker 1 (23:58):
So by the time you get to that, yeah, you
really are talking about four hundred thousand, So that blows
out half a million up front. Yes, and that don't
even have to be the top four or five school
in the country. They don't even have to be the
top one hundred, you know. So so again, what is
(24:20):
that number for parents to have as they're going into Hey,
you know, I want to have a kid or.
Speaker 4 (24:29):
Whatever it is, or multiple because some people are like, hey,
I want to have I don't want to have just
one child, I don't want to have multiple. So God
bless you all for doing that, and I want all
the listeners to know that it is worth it at
the end of the day.
Speaker 3 (24:41):
Oh no, it is.
Speaker 4 (24:41):
I mean, I don't want everyone to get scared, like,
oh my gosh, I need it. You're want to take
a fat loan, you know, I need a million dollars.
Go to your local bank because I needed a million
dollars because I just found out I'm pregnant, you know.
Speaker 1 (24:52):
Like, but see, here's the thing that if you listen
to the show overall, and if this is your first
episode you know of listening, we welcome you. But here's
one of the things that we really would like for
y'all to understand that it takes a community and.
Speaker 3 (25:13):
A lot.
Speaker 1 (25:13):
I understand that everyone is not privileged to have that,
not from what you might think of a traditional Hey
I got my mom, I got my dad, I got
you know, aunts, uncles, you know whatever. Some people don't
have that, and we totally understand that, right, yes, you know,
but do you have other people within that village, your friends,
(25:37):
you're a best friend, or whatever it is that you're
remotely trust because some of us have trust issues as
well because of some of the other challenges we have
in life. You know, but do you have someone that
you can remotely trust and or pay attention to those
organizations I like we mentioned those churches, those nonprofits that
are out there that really genuinely want to help you,
(26:02):
but also understand that you might be able, you might
not be able to get the level of attention that
you desire based off of some of the other challenges
that they are going through as well, like be understanding
with that as well. You know, it's a give or take, right,
It's a partnership all the way around. And all we're
(26:25):
doing right now is just trying to help you understand
that from diapers to diplomas, you will be in debt forever.
Speaker 4 (26:39):
Not forever. You don't have to go into debt, so well.
Speaker 1 (26:44):
It's gonna feel like it. It's gonna feel like it.
I mean, you know, honestly, it will. And if you
don't plan, because I understand that parent from a parent perspective,
you don't always know when you're gonna get pregnant. You
don't always know, you know, whenever God says he is
your time is your time, right, you know, And so
you don't always plan it.
Speaker 3 (27:04):
It doesn't always come when you want to.
Speaker 1 (27:06):
Whatever it is, but I understand, like, hey, if you
can't plan it out, please please do so. Please understand
what your finances really are and where. And I'm kind
of in this financial spaces, especially with our children, because
I definitely don't want people to follow in our footsteps.
(27:28):
We messed up a lot, a whole heck of a lot.
If you listened to some other episodes, you'll hear our story,
you know, so from repossessions, foreclosures, bankruptcy like you know,
and sometimes when I say those type of things like
dag you know what, it sounds so cliche, like you know,
(27:50):
it's sounds like, you know, I need to be able
to stay up on a stage. And we're like, yeah,
I remember when I was bankrubbing, you know. And now
we hear those type of stories. But Maurice, Uh, you
lived it for real. Uh, Maurice, they cashy find that
because it's that public record.
Speaker 4 (28:06):
I believe it is. I don't know how long it
stays public record, but yeah, you know.
Speaker 1 (28:09):
And so so. But I know for us, we got
the paper store, I mean we have.
Speaker 4 (28:18):
I think we started to get rid of some of
that stuff, didn't.
Speaker 3 (28:20):
We some but not all.
Speaker 1 (28:22):
There were some things I just wanted to make sure
that we still kept though. You give what I mean,
because just in case somebody wants to come back and
say something, you know, for whatever reason, I'm like, uh uh,
this is what happened. You give what I mean. You
know so, but you know, I thank y'all for listening
today and understand that, you know, divers of diploma's mentality,
(28:42):
It's gonna take time.
Speaker 3 (28:44):
It's gonna take patience, it's gonna take.
Speaker 1 (28:49):
Time moments for you to reflect, to game plan, and
if you are in a position where you're like, hey,
well I'm right there in the middle of it was
never too late.
Speaker 3 (29:03):
Like if they're ten years old, twelve years old, it's
never too late.
Speaker 4 (29:06):
Yeah, you still have a long way to go.
Speaker 1 (29:09):
Yeah, most definitely. And you're like, hey, you know they'll
be done at eighteen.
Speaker 4 (29:16):
That's what Maurice thought.
Speaker 3 (29:17):
I sure up did, Yeah, he really did.
Speaker 4 (29:19):
He was like driving that home like at eighteen, I'm done, yep,
I thought so.
Speaker 1 (29:25):
And then for those of you that have kids that
are you know, coughing our age, I'm pretty sure y'all,
Like yo, even y'all fools are still costs a whole
lot because some of some of some of our peers
don't still don't have themselves together.
Speaker 3 (29:42):
You get what I mean? You know so, but I.
Speaker 4 (29:44):
Think that's the part. You know, when you have community,
what does that mean to have yourself together? Because you know,
does that community mean Hey, after I get a certain age,
I no longer need you or can ask of the
things of you. So, yeah, you want to learn better,
do better, but sometimes things happen, you know, the pipe
(30:07):
burst and the tree falls. You know, do you need
to go take out a loan for that? Or can
you reach out to your community and say, hey, community,
what should I do? And they may tell you and
advise you don't take out that loan that's you know,
six seven percent. I can give you this and you
don't have to pay any percentage, just you know, pay
me back in installments. And you know, we've been there
(30:27):
and done that. You know, we've had that community that
has provided that for us. We've been that to the
community because the Bible says be the lender, not the borrower.
So sometimes you just have to do that and not
be ashamed and not be so prideful that you don't
lean on your community. When you do become of age
(30:48):
and whatnot. So I think that means a whole lot
more because that builds strength, right, you know, because you
know that somebody has your back and then when they're
in a fall, you're there to support them. And I
think that is community, not like, hey, well I'm ten
years old and then you know you can provide for me. Yes,
(31:09):
I'm not going to provide all for you. You know,
if you're seventy and I'm fifty, I'm not providing all
for you. Or you know, likewise, if I'm seventy and
my kids are fifty, I'm not going to provide for
them the way I did when they were ten. But again,
if something major happens, don't feel I don't want them
(31:30):
to feel as though they have to go then break
the bank or you know, take out major loans and
things like that. So we thank you all so much
for listening. We hope that this was useful to you,
and share a comment tell us about your diapers to
diploma story. We're so grateful to hear it. We love
(31:51):
to hear from you, so check us out on our
social media, check us out on our email, and we'll
read all of your comments. Thank you so much and
we'll talk to you all soon.
Speaker 5 (32:04):
Thanks for tuning in to another episode of the No
Fruit Podcast, where we bring you fruitful conversations, ripen wisdom
and love that's deeply rooted. We hope today's discussion left
you feeling uplifted, encouraged, and ready to take on life's
journey with purpose. If you enjoyed this episode, don't forget
to subscribe, leave us a review, and share it with
someone who could use a little inspiration in their dead.
(32:25):
You can catch up on past episodes, send us your thoughts,
or learn more about us on social media. Until next time,
stay rooted in love, and remember every seed you plant
today shape the fruit of tomorrow. Take care and we'll
see you next time.
From diapers to diplomas. Some things that you just always
you don't always consider.
Speaker 2 (00:09):
Let's talk about love and lives, the way of God.
Intense life experience to be share from cape transforms.
Speaker 3 (00:32):
What's going on, what's going on? What's going on?
Speaker 1 (00:35):
So have you heard the idea is from diapers to diplomas? Now, well,
I'm going to talk about today is from the diaper's perspective.
I didn't know how expensive diapers were, and then we
(00:57):
talk about diplomas. We have an idea how expensive they are,
an idea, but with inflation everything else, you don't really
know how much it costs. And so what I'm getting
at is is that how many of us, when we
start off as parents, really understand the cost it is
(01:21):
to have a child. So Cougher yes, from a diaper
to diploma financial analysis, because you do finances all the time.
Speaker 3 (01:38):
What would you say to parents today how much it
would cost?
Speaker 4 (01:44):
There is no number? Are you laughing?
Speaker 3 (01:50):
Because that's my There is nothing.
Speaker 4 (01:54):
There's no way, there's really no way to measure you
how much. And you know, statistically they'll try to say,
oh it, you know, to raise a child to the
age of eighteen, it costs this much, and it it
you know, doubles and triples every few years, or maybe
(02:15):
not double and triple, but it expands. But looking back
on our parenting journey and with you know, forever going
to be parents, but there is no value, there is
no number, there's nothing that you can really put towards
(02:36):
towards that journey. You can have out of pocket costs,
but still it doesn't measure up, I think because there's
so many things that go into that equation. There's a
lot of variables, so it makes it a number that's
really really hard to capture. It's your time, it's medical expenses,
(03:05):
like you said, there's diapers. You know, there's so many
choices in diapers now hunt it is. I mean there
were choices back when we had children, Yeah.
Speaker 3 (03:13):
But nowhere near what it.
Speaker 4 (03:14):
Is now, you know.
Speaker 3 (03:16):
But yes, because now you have some.
Speaker 1 (03:18):
That you know are made by recyclable you know, hair brustles.
Speaker 3 (03:23):
I don't know, like.
Speaker 1 (03:26):
You know, I don't know, it's just kind of you know,
it just seems it can't seem overwhelming, Yes, by all
the choices just with.
Speaker 3 (03:34):
That, let alone.
Speaker 1 (03:38):
The bottles or the types of bottles, and again, is
it made by humans or is it made by ants?
Speaker 3 (03:45):
I don't know, you give what I mean, like it's
it's spun by moss. I don't know, you know, it just.
Speaker 1 (03:49):
Feels like it's just you're you're giving a whole lot
of information, a whole lot of references, a whole lot
of whatever, and as your state, there is no number
because once you start to say.
Speaker 3 (04:05):
Whether you know how aware you are, and.
Speaker 1 (04:09):
Whether you're trying to save the planet or save a
couple of dollars, right that all of that, that's two
different costs. That's not even like even just like that,
like you're trying to save something, right, but it doesn't
neither one of them are can necessary be considered economical either?
Speaker 2 (04:28):
Right?
Speaker 3 (04:29):
You know? So so what does that really look like?
You know?
Speaker 1 (04:33):
And so if you're talking from formula or like right now,
like how much is milk?
Speaker 3 (04:41):
Mm hmm? Do you get what I mean? You know?
And so.
Speaker 1 (04:48):
Even though we we we've raised our children and and
and we're looking at other people and you know, we
because it's funny, I'm bringing this up because conference like listen,
the next stage of my life where I should be,
It seemed like I don't want to come so basically
(05:09):
I should. I guess I need to have more babies, right.
Speaker 3 (05:15):
You know, so you know, so you know.
Speaker 1 (05:18):
And so when we take a look at that and say,
in all honestly, like huh could we? Should we?
Speaker 3 (05:27):
And then I look at milk, I'm like I not
the day.
Speaker 4 (05:31):
Well, you know, just to walk through the I tell
people this all the time, to walk through the baby
aisle of Target, because that was what we used to do,
yes when we were early parents. If we walked through
there today and look at the price of a stroller,
the price of a car seat, and note that you
have to buy multile you don't have to, but just
(05:56):
repeating what we've already done, we bought multiple since we
had two cars. We had the growth chart of our children.
You know. So what an infant needs is not the
same thing that a toddler needs, and it is not
the same thing that a five or a seven year
old need, because the law says that you have to
have them in a booster seat, some type of car
(06:17):
seat or whatever up until you know they're over one
hundred pounds or whatever. I would have to brush up
on all those things because I don't know. But just
when we look through those stores and see the prices
of a stroller of a car seat, it's I need
(06:42):
to take out a loan.
Speaker 1 (06:42):
So I'm looking at them right now, right, and so
in all honesty for those of you, I mean right now,
we're blessed.
Speaker 3 (06:50):
We don't have a car note right now, you know.
But but.
Speaker 1 (06:56):
The price of a stroller is caused more then the car.
It will be put in well for the cardinals that
we've had, like we we we were not trying to
put out no six hundred, seven hundred dollars because we
just heard somebody who's doing, you know, looking to do
cardinals at seven hundred dollars a month.
Speaker 3 (07:15):
Like that's retarded, right, But if you're if you're.
Speaker 4 (07:19):
Sorry, if you're doing it, it might not be retarded.
That might work for you and your lifestyle. Don't want
to tell everybody if you're paying seven hundred dollars a
car note that you're retarded. God bless you because you
can do it. Go ahead, you're saying, I mean, may
retarded for us, but it's fine for you. So moving
along well in.
Speaker 3 (07:37):
A financial space, yes, dear, doesn't make sense.
Speaker 4 (07:41):
It depends on what their finances are and what they
have coming in and if it meets their needs and
so forth and so on. So I can't you know,
we're not in everybody's book. We're not, you know. So yes,
they may they may not have household expenses so they
can afford to have a seven hundred dollars card. Note
bless them. Okay, Okay, moving along. So we're looking at
(08:02):
strot retarded.
Speaker 1 (08:05):
The reality is, you know, but but again I also
understand too. Car prices are not the same nothing necess say,
so there is nowhere near.
Speaker 4 (08:16):
We're looking at strollers and we you know, I mean.
Speaker 1 (08:19):
Like right now we're looking at just yeah, like the
stroller prices. It's really hard to find any that are
less than two hundred. There are a few, but there's
way more that's four hundred plus. And we're we're just
looking on the website right now, like, okay, does this
(08:40):
one look okay at three ninety nine ninety nine, it's
not four hundred, you get what I mean. But but
right on this road right here, six three nine, six
hundred and then one ninety nine that's just in this
one row on his website. So what I'm getting at
is is that if we were to really consider having
(09:03):
a child right now, Like Kafa just said, you gotta
take out a loan. You got to take out a
second mortgage, right, you gotta take out a line of credit.
And or you know, I see or understand why people
are waiting until one they're way more established in their
(09:24):
career or whatever it is, and or they got.
Speaker 3 (09:27):
To work two three jobs just to meet this.
Speaker 4 (09:32):
Or as the African proverb says, it takes an entire
village to raise a child. Yeah, so you know when
that time comes for our children to have kids, yes,
it will take the entire village, especially.
Speaker 1 (09:50):
If I want these luxury skincare disposable diapers, you know. Yeah,
it's it's swaddler's snugglers, you know, cruisers, something else, right.
Speaker 3 (10:09):
You know?
Speaker 1 (10:09):
So so yeah, so again, when it comes down to
thinking about this, it's almost like do I really want
to involve myself in that? Like do I really want
to go into this whole space because it doesn't feel economical.
And then we wonder why, you know, people aren't having
(10:32):
as many babies anymore. We wonder why it's a challenge
to make ends meet. You know, it's when when when
you're basic needs right, because because you can't just have
(10:53):
as you just stayed. Like back in the day, you
can just throw a baby in the car and call
it a day, right where you know there, like you said,
to a point where it's like, hey, now it's mandatory
that you have to have this car seat, you have
to have this booster seat, like if you start adding
all those things up, and that's even before the age
of two, right right right, not.
Speaker 4 (11:15):
Alone with the clothes and everything else that goes along
with that, because they grow up quickly and then they
mess up even faster than they grow So yeah, it can.
It's it's a challenge.
Speaker 1 (11:26):
I mean, you're not going to have your two year
old sitting in the car seat. I mean, I mean,
I mean not car seat, in a stroller seat, car seat,
you know what I mean? You know, so I mean
I could like, I'm sorry because I said that, because
I immediately had an image of my son in his
(11:47):
car seat facing the opposite direction, you know, because you
haven't faced the opposite away with his feet up on
the head rest, Like can you imagine that he might
think it's funny, you get what I mean? And I'm
I ain't think it's seeing him tickle his toes into
something like you get with it me, But how long
(12:08):
does that last? In all honesty though, and I'm saying
that because of by the time you're too how tall
is the baby?
Speaker 3 (12:13):
Right? How tall is the child?
Speaker 1 (12:15):
And now I have to now buy something that's either
that can grow with them.
Speaker 3 (12:24):
But what is that real investment?
Speaker 1 (12:26):
Or do I just take and say, hey, you know what,
I'll wait and buy it in stages? But by the
time you get to a stage where they need to
be in this until basically one hundred pounds or whatever
that that law was at one time, I don't know
if it's still that way now, you know, but what
is that? You know, you're like, well why would I
why didn't need to stay in and see until like
(12:47):
they as big as me?
Speaker 4 (12:50):
Right, we have some adult you know, family members that
is you know, just at one hundred pounds, right, So yeah, yeah,
it's it's interesting. But you know, even beyond diapers, you know,
you started the show with from diapers to diplomas, right
(13:10):
in that journey between and then that prize at the
end of a diploma, Yeah, because.
Speaker 1 (13:19):
You think like, oh wow, you got a diploma. Now
you can go out and finvy yourself. Slow down, high speed.
Speaker 3 (13:27):
Yeah, so whoa m Sadi you know.
Speaker 4 (13:31):
Yeah, like you said, how things have changed. Even just
the cost of obtaining a diploma, whether it's you know,
high school diploma, a college diploma, right, it is expensive.
Speaker 1 (13:47):
And that's for those individuals that are truly like you
said something about earlier, about hey you can afford this
car note. Yes, well, you know, even for those individuals
that can afford or to have their children in after
school programs, because again that stuff is not free, no, right,
you know, hey you can afford And I'm gonna go
(14:10):
another spin on this if you can even afford to
have them in church, you know.
Speaker 3 (14:16):
And I'm using that analogy because.
Speaker 1 (14:21):
For the denomination that Kafe and I grew up in,
and especially for myself, I was very very active in church.
Speaker 3 (14:30):
And so there were times.
Speaker 1 (14:34):
Where where you would be gone, you have a youth
weekend somewhere, you got to retreat, You got this whole
workshop over here, and this whole week seminar over there,
or whatever it is.
Speaker 4 (14:50):
You have to wear a certain color on this day
and a different color on that.
Speaker 3 (14:53):
Day, right, you know, and so what was that cast?
Speaker 1 (14:56):
So you know, in all reality, churches back in the
day will help fundraise for some of that, you know,
all that type of stuff. But our churches still doing
that today. Are y'all able to still afford that? Because
what's now your utility bills in set building?
Speaker 3 (15:16):
Right?
Speaker 1 (15:17):
What are the and or what are the things that
the church has to deal with? Because if we're if
we're a new parent and we have this car seat
that we have to pay for that's three hundred dollars.
So it was like, hey, we got a ticket last
month because the baby wasn't in it.
Speaker 3 (15:37):
We gotta get this.
Speaker 1 (15:38):
But guess what now we can't pay the electric in
the water, and now we got to go to the
church dash from for some assistance. Now does the church
make a decision of hey, are we going to help
these individuals with their utilities or we're gonna send these
kids on this trip?
Speaker 3 (15:54):
Right? You know?
Speaker 1 (15:55):
And you know you might my reason, well, that seems
rather extreme. I guess you need to hear some other stories.
Speaker 4 (16:01):
Then you got stories for with Maurice.
Speaker 3 (16:05):
Oh yeah, I do you know so?
Speaker 1 (16:10):
And for those of you who don't know, yes, I
was a church administrator for a little while and I.
Speaker 3 (16:15):
Still talk to a whole whole.
Speaker 1 (16:18):
Lot of church leaders and pastors because child say, that's
who we are. We're small business consultants for religious and
non profit organizations. So we hear this these type of
stories all the time. It's not a foul, it's not false.
It's it's based off of experiences and conversations.
Speaker 3 (16:39):
So and so even when we're talking to some of these.
Speaker 1 (16:45):
Nonprofit organizations and how they really want to help their
community and and you know, these parents they need this
type of assistance. I guess what though, sometimes that assistance
that that nonprofits are getting to pay for or to
help out these things are drying up as well because
everybody's pulling their dollar a little tighter, right, and or
(17:09):
these services cost so much more. You know, there's one
nonprofit where, you know, we were working with. They really
wanted to do a after school program with some young
people and.
Speaker 3 (17:23):
They were going to learn instruments.
Speaker 1 (17:25):
Well, there was a piece of that of them learning
instruments that somebody brought up, well, what if an instrument broke,
which is a valid question. Yes, someone did the research
to find out how much it would cost to repair
one instrument could buy a whole other one pretty much.
(17:48):
That was per per their research, right, And so if
the instrument itself is already two fifty and they broke it,
because here's it, and here's the thing, them breaking it
was not necessarily them breaking it as themselves it is. Hey,
I'm gonna take the instrument home, and I have a
(18:08):
little baby brother or sister that might get into my
stuff by accident, on purpose, whatever it is.
Speaker 3 (18:15):
And now they've broken it. What am I to do?
Speaker 1 (18:19):
So do I have the parent who can't pay electricity
pay for this instrument, or do we as an organization
need to pay for it?
Speaker 3 (18:26):
And so.
Speaker 1 (18:29):
What we're getting at, and I know we're getting all
the way into a whole other set of weeds, a
whole other patch of grass or whatever, or even for
some of us might be a whole patch of sand
and feel like the desert. But the reality is the
cost of a child, from diapers to diplomas, as confiscated earlier.
Speaker 3 (18:49):
There is no number that there is no way.
Speaker 1 (18:52):
To say in all reality, it should cause this amount
of money, because there's so many other factors that we
don't consent, you know, So can you really say, well,
inflation is going to be only this amount of money? Well,
look at the interest rate? How much they how much
those have changed in the last couple of years, right, right?
(19:13):
You know, so was that on a docket anybody? You know,
it's like, you know, expect for that to.
Speaker 4 (19:19):
Happen, Yeah, not the way that it has, right, you know.
Speaker 3 (19:24):
So, so how do you really gain plan?
Speaker 1 (19:28):
And on top of that, they're like, well, you know,
if you say, like I did speak to one person
or financial planner recently, I had an interview with him
on my other show, That Will Never Work podcast where
he spoke about, you know, for every dollar, his recommendation
take out fifteen cents and so when he when he
(19:50):
said that, if you think about it, right, is that
how much is that in the long run? He said,
it might sound small right now now, but imagine if
you took out fifteen cents out of every dollar, what
does that look like moving forward?
Speaker 3 (20:09):
And can you afford that? And that now that's really
for you to game plan for your retirement, which is
what he says is in per his book, He's not
about retirement.
Speaker 1 (20:22):
He's about graduation. Like you're graduating into you know, this
other space. But you know, but if you may took
out fifteen cents out of every dollar from the time
I believe he said from twenty one, because he was
talking about after you graduate to the time you retire
ie sixty five, you know, so that being forty four
(20:43):
years overall, how much is that? You know, and you
made twenty five dollars. Let's say you made twenty five
thousand dollars a year, what is that?
Speaker 3 (20:55):
What does that? You know? What does that be?
Speaker 1 (20:57):
How much will that be in forty four years. That's
not including the interest if you have it in the
right place. But again, as he stated too, the things
that we're because we're talking about from diapers to diplomas,
things that they don't talk to you about in school,
which is how to manage your finances. You know, we
(21:18):
you know, what accounts should you be looking for? What
is the interest rates? You know, all that type of stuff.
Everybody say, hey, put your money in the bank. But
if you have, as he stated, if your bank is
only even making or giving you zero point seven percent
on your you know, on your money versus another bank
that might give you a one point nine percent, that's
(21:40):
a big difference.
Speaker 4 (21:43):
Well, since you're talking all these numbers and you said
that somebody's salary is going to be twenty five thousands.
Speaker 3 (21:48):
I just use it. I just use a basil.
Speaker 4 (21:49):
Well, they can't hand no baby because according to the
ABC News, the average cost in twenty twenty five, excuse me,
a study in twenty twenty three says that it costs
twenty one thousand, six hundred and eighty one dollars to
raise a child per year. So if you only bring
(22:10):
it in twenty five.
Speaker 3 (22:13):
Whole, you're in debt from the rip and you.
Speaker 4 (22:15):
Got a kid and that goes gonna cost you twenty one.
So then I looked up how much does it cost
to raise a child through college? Since we're talking diapers
to diplomas, and according to an article in Time dot com,
that's t I m e. Dot com. I just need
you to guess this number, babe, our our prop from
(22:39):
diapers to diplomas. So are they all the way through college?
Speaker 1 (22:42):
Are they calculating the the from the twenty one thousand
dollar more?
Speaker 4 (22:47):
Now, just give me a number. Guess the number.
Speaker 1 (22:51):
So if I would say is anywhere between three h
undred and ninety thousand to three million.
Speaker 4 (23:04):
You're in the bracket. So if you if you were
going by the twenty one thousand per year, it would
be about that three hundred and eighty to four hundred.
But according to the Time dot com article, it costs
one point one million dollars from birth through undergrad.
Speaker 3 (23:25):
So we and we talk about undergrad by itself, I mean,
and that was.
Speaker 4 (23:30):
Back in two thousand and nine.
Speaker 3 (23:33):
So think about that though.
Speaker 1 (23:34):
So if you're talking about, hey, you know, you're going
to college alone, college alone could be two hundred thousand,
if not more, right, because you're because some colleges, some universities,
their tuition is fifty grand a year.
Speaker 4 (23:50):
Yes, yes, that's the tuition, not including room and power, right,
and books and transportation.
Speaker 3 (23:57):
Right.
Speaker 1 (23:58):
So by the time you get to that, yeah, you
really are talking about four hundred thousand, So that blows
out half a million up front. Yes, and that don't
even have to be the top four or five school
in the country. They don't even have to be the
top one hundred, you know. So so again, what is
(24:20):
that number for parents to have as they're going into Hey,
you know, I want to have a kid or.
Speaker 4 (24:29):
Whatever it is, or multiple because some people are like, hey,
I want to have I don't want to have just
one child, I don't want to have multiple. So God
bless you all for doing that, and I want all
the listeners to know that it is worth it at
the end of the day.
Speaker 3 (24:41):
Oh no, it is.
Speaker 4 (24:41):
I mean, I don't want everyone to get scared, like,
oh my gosh, I need it. You're want to take
a fat loan, you know, I need a million dollars.
Go to your local bank because I needed a million
dollars because I just found out I'm pregnant, you know.
Speaker 1 (24:52):
Like, but see, here's the thing that if you listen
to the show overall, and if this is your first
episode you know of listening, we welcome you. But here's
one of the things that we really would like for
y'all to understand that it takes a community and.
Speaker 3 (25:13):
A lot.
Speaker 1 (25:13):
I understand that everyone is not privileged to have that,
not from what you might think of a traditional Hey
I got my mom, I got my dad, I got
you know, aunts, uncles, you know whatever. Some people don't
have that, and we totally understand that, right, yes, you know,
but do you have other people within that village, your friends,
(25:37):
you're a best friend, or whatever it is that you're
remotely trust because some of us have trust issues as
well because of some of the other challenges we have
in life. You know, but do you have someone that
you can remotely trust and or pay attention to those
organizations I like we mentioned those churches, those nonprofits that
are out there that really genuinely want to help you,
(26:02):
but also understand that you might be able, you might
not be able to get the level of attention that
you desire based off of some of the other challenges
that they are going through as well, like be understanding
with that as well. You know, it's a give or take, right,
It's a partnership all the way around. And all we're
(26:25):
doing right now is just trying to help you understand
that from diapers to diplomas, you will be in debt forever.
Speaker 4 (26:39):
Not forever. You don't have to go into debt, so well.
Speaker 1 (26:44):
It's gonna feel like it. It's gonna feel like it.
I mean, you know, honestly, it will. And if you
don't plan, because I understand that parent from a parent perspective,
you don't always know when you're gonna get pregnant. You
don't always know, you know, whenever God says he is
your time is your time, right, you know, And so
you don't always plan it.
Speaker 3 (27:04):
It doesn't always come when you want to.
Speaker 1 (27:06):
Whatever it is, but I understand, like, hey, if you
can't plan it out, please please do so. Please understand
what your finances really are and where. And I'm kind
of in this financial spaces, especially with our children, because
I definitely don't want people to follow in our footsteps.
(27:28):
We messed up a lot, a whole heck of a lot.
If you listened to some other episodes, you'll hear our story,
you know, so from repossessions, foreclosures, bankruptcy like you know,
and sometimes when I say those type of things like
dag you know what, it sounds so cliche, like you know,
(27:50):
it's sounds like, you know, I need to be able
to stay up on a stage. And we're like, yeah,
I remember when I was bankrubbing, you know. And now
we hear those type of stories. But Maurice, Uh, you
lived it for real. Uh, Maurice, they cashy find that
because it's that public record.
Speaker 4 (28:06):
I believe it is. I don't know how long it
stays public record, but yeah, you know.
Speaker 1 (28:09):
And so so. But I know for us, we got
the paper store, I mean we have.
Speaker 4 (28:18):
I think we started to get rid of some of
that stuff, didn't.
Speaker 3 (28:20):
We some but not all.
Speaker 1 (28:22):
There were some things I just wanted to make sure
that we still kept though. You give what I mean,
because just in case somebody wants to come back and
say something, you know, for whatever reason, I'm like, uh uh,
this is what happened. You give what I mean. You
know so, but you know, I thank y'all for listening
today and understand that, you know, divers of diploma's mentality,
(28:42):
It's gonna take time.
Speaker 3 (28:44):
It's gonna take patience, it's gonna take.
Speaker 1 (28:49):
Time moments for you to reflect, to game plan, and
if you are in a position where you're like, hey,
well I'm right there in the middle of it was
never too late.
Speaker 3 (29:03):
Like if they're ten years old, twelve years old, it's
never too late.
Speaker 4 (29:06):
Yeah, you still have a long way to go.
Speaker 1 (29:09):
Yeah, most definitely. And you're like, hey, you know they'll
be done at eighteen.
Speaker 4 (29:16):
That's what Maurice thought.
Speaker 3 (29:17):
I sure up did, Yeah, he really did.
Speaker 4 (29:19):
He was like driving that home like at eighteen, I'm done, yep,
I thought so.
Speaker 1 (29:25):
And then for those of you that have kids that
are you know, coughing our age, I'm pretty sure y'all,
Like yo, even y'all fools are still costs a whole
lot because some of some of some of our peers
don't still don't have themselves together.
Speaker 3 (29:42):
You get what I mean? You know so, but I.
Speaker 4 (29:44):
Think that's the part. You know, when you have community,
what does that mean to have yourself together? Because you know,
does that community mean Hey, after I get a certain age,
I no longer need you or can ask of the
things of you. So, yeah, you want to learn better,
do better, but sometimes things happen, you know, the pipe
(30:07):
burst and the tree falls. You know, do you need
to go take out a loan for that? Or can
you reach out to your community and say, hey, community,
what should I do? And they may tell you and
advise you don't take out that loan that's you know,
six seven percent. I can give you this and you
don't have to pay any percentage, just you know, pay
me back in installments. And you know, we've been there
(30:27):
and done that. You know, we've had that community that
has provided that for us. We've been that to the
community because the Bible says be the lender, not the borrower.
So sometimes you just have to do that and not
be ashamed and not be so prideful that you don't
lean on your community. When you do become of age
(30:48):
and whatnot. So I think that means a whole lot
more because that builds strength, right, you know, because you
know that somebody has your back and then when they're
in a fall, you're there to support them. And I
think that is community, not like, hey, well I'm ten
years old and then you know you can provide for me. Yes,
(31:09):
I'm not going to provide all for you. You know,
if you're seventy and I'm fifty, I'm not providing all
for you. Or you know, likewise, if I'm seventy and
my kids are fifty, I'm not going to provide for
them the way I did when they were ten. But again,
if something major happens, don't feel I don't want them
(31:30):
to feel as though they have to go then break
the bank or you know, take out major loans and
things like that. So we thank you all so much
for listening. We hope that this was useful to you,
and share a comment tell us about your diapers to
diploma story. We're so grateful to hear it. We love
(31:51):
to hear from you, so check us out on our
social media, check us out on our email, and we'll
read all of your comments. Thank you so much and
we'll talk to you all soon.
Speaker 5 (32:04):
Thanks for tuning in to another episode of the No
Fruit Podcast, where we bring you fruitful conversations, ripen wisdom
and love that's deeply rooted. We hope today's discussion left
you feeling uplifted, encouraged, and ready to take on life's
journey with purpose. If you enjoyed this episode, don't forget
to subscribe, leave us a review, and share it with
someone who could use a little inspiration in their dead.
(32:25):
You can catch up on past episodes, send us your thoughts,
or learn more about us on social media. Until next time,
stay rooted in love, and remember every seed you plant
today shape the fruit of tomorrow. Take care and we'll
see you next time.
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