On this episode of “How I See It,” we tackle the polarizing subject of money. We’ll be discussing the role money plays in our lives, how we think about it, and how it can affect our relationships, decision-making, spiritual health, etc. Mark and Justin will share some of their own personal experiences with money and offer insights they’ve earned and learned. Whether you’re struggling to make ends meet or trying to save for the future, this episode will give you something to think about.

Show Transcript

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[Music] foreign [Music]

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Justin morning Mark so you're back with another surprise yeah I like the

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surprise episodes I know I know we kind of uh you know reciprocate on that on

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that blessing if you will yeah because sometimes we uh yeah in the process of having topics you know

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we have the list to go from but I think sometimes it's it's nice just to be able to uh

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have the conversation it's not like this is always scripted I think so often our

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conversations with people are much like this it's like we come on to a topic through discussion and there's a part of

0:44
us that's either excited or you know it's like where is this going

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you know and I think and I think that's what I appreciate about our relationship

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is the point where yeah we can we can have we can have reciprocal surprises also I would I'll

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say like it's similar to real conversations in that hey it's not scripts but also b sometimes we put our

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foot in her mouth [Music]

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welcome to how I see it with me Mark Pratt and Justin Sternberg this is a

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podcast that works to counter cultural polarization through thoughtful

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conversations [Music] when we pull it out we say well that's

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how I see it so yeah I'm just kidding but uh no you're not well sometimes it

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is it is a matter of actually that is how I see it sometimes it's like well I don't think I see it that way even it's

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a foot and mouth truly a foot and mouth situation but I think that is part of

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having healthy diet you know conversations is sometimes you put your foot and mouth but um kind of brings out

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a little bit of truth about what you feel about it so you know in in a safe

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conversation a little foot and mouth you know isn't isn't the end of the world yeah right no I'd agree yeah I'd agree I

2:11
think it also it gives us that opportunity to recognize sometimes we have to apologize yeah sometimes we have

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to retract yep some statements and you know sometimes and if we're going to talk about polarizing subjects with with

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anybody which is again kind of the goal of the bigger goal of this podcast is to

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encourage these conversations so that we can get to know people who aren't like us so that we can build yeah you know

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kind of connections where there aren't any that kind of thing that we had that's a big part of it you

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should you know learning how to also apologize and say you know I don't I don't I don't mean to say it that way I don't

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mean to you know step on toes I don't know although I don't actually like that term one day yeah I don't mean to step

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on any toes it's like yes you do I I and that's and that's where I'm at

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you know it's like sometimes we do feel strongly about something yeah and we may very well step on toes but

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how do we do that in a gracious manner yeah and I so yeah that's that's that's

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the beauty of uh the discussion yeah so that being said if you had to

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think about three topics let's say three topics you know kind of what topics can't we talk about

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you know you think about it from your childhood or from you know your relationship even with Megan what three

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topics would be difficult to talk about difficult yeah difficult or taboo or

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it could be both yeah I think a sex conversation would be very

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difficult okay that's fair enough I'm very awkward with you mark well just so you know that's not where

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we're headed this morning so restful church now you can come up with two and three

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uh what else we got um I don't know I mean We've joked about nothing's off limits a lot of times so

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what about growing up hmm we just did our politics one

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that was just released so now people have a little indication of how how much lag time there is between

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but yeah yeah so but politics could be one of those things yeah we were told as kids you know can't talk about politics

4:27
at the yeah at the dinner table yeah or whatever Thanksgiving table yep yeah but

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we just talked about I mean that's kind of my point like right uh so you're just saying in general yeah in general yeah

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that's good politics religion but okay we managed to hit that one quite a bit yeah

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and I already know the answer so I'm trying to guess ones that aren't that I

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understand but it is a surprise topic well it's not complete but completely you told me right before we hit record

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I asked it's my fault yeah but I'm still gonna act surprised I don't know Mark uh

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uh money money money money money yes money

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and I I would it's it's the it for me it's this

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I'm finding myself in this conflict between contentment and money

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so it's not just money but if I were to ask you and here's here's kind of the this is our chance we

5:28
get to ask our listeners for money I got a list of podcast things I need to buy I

5:33
see this is this this is where it's gonna be a wrestling you know okay but well well Mark wrestles just send your

5:41
checks to us that being said okay this is this is

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where I was like 12 listeners this is where I'm putting God yeah that's true can I venmo

5:52
um that being said would you say that you love money

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hmm that's where the surprise comes into play

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yeah I think about that um you know because obviously you and I both know the verse yeah the

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love of money is the root of all evil um so I guess I've always been like you

6:20
shouldn't yeah but but I'm thinking about do I exactly and I think

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I think my cop-out answers I love what money can bring okay you know what I

6:32
mean yeah so that gets really close to the level yeah yeah but I'm just thinking about if if a stack of cash was

6:39
sitting there in front of us would I be like you know little heartbeat pitter

6:44
patter uh-huh uh maybe maybe let's put it depends on how big that stack is

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you let's put it this way if that stack of cash was there okay

6:57
by no means you would you say that's dangerous or that's

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I don't want that right correct certainly not if the if okay even even

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on a larger scale Powerball was just up to oh yeah two I didn't win mark he did

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win I didn't enter but I didn't ultimately that's part of the slogan isn't it you have to enter to win or

7:25
something like that probably is yeah but next time gonna enter even at that scale

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would you want it um

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you know everyone says yes because I would do good things with it yeah you

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know I like to think that I like to think that

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uh okay so this this is this is a good this

7:51
is a good question and it definitely ties into a lot of conversations about money that I've had in my life and one

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of those things is that money is an amplifier right and so

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essentially what you do without money um it will amplify that so your

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character your Tendencies towards generosity your Tendencies towards my

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sirliness your tendency towards um being disgruntled with service like just

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whatever it is like money is not going to solve those things and it will only amplify those things and you know so

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I like to think that I've been practicing for this you know like let's let's see let's see how I do in the

8:38
Olympics because I feel like I've been working at it now certainly not Olympic Training but you know if I just get dumped in the Olympics I'll try you know

8:45
sure but uh Ultimate Frisbee championships is that in the Olympics probably not

8:51
probably should be uh I'd be like yeah let me try I'll probably be terrible but maybe better than something if they were

8:58
dumped in the same situation right yeah um so I'd like to try it yeah yeah

9:04
as far as having you would say yes to the two billion dollar party gotcha yeah

9:10
it'd be fun I I also

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you know it's it's it's more than there's definitely

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more to that scenario than you're likely to think about when asked

9:32
that question or your name gets announced sure like but for instance

9:37
relationships yeah how many relationships would be able to be last through that yeah you know what I mean

9:44
family and friends yeah yeah yeah or it's like yeah

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and and if I may realistically the only thing that changed is the fact that one

9:58
of the individuals in that relationship acquired more money yes you know what though

10:04
recently I read saw that a recent winner

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of a sweepstakes I don't know if it's this one or it's a different one he uh no it was in uh China or something okay

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he wore a mask so when he went to his acceptance thing like no one knew who he was he was

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Anonymous okay and I'm like that's genius if I win the sweepstakes that's what I'm doing I hear you I don't know

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if you get that option it's like if you want this 2 billion then you have to tell us your name dang it you know I

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don't know you know in terms of public publicity if they require you to not be anonymous

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um but if you let there's an option I thought that was brilliant no I hear where you're coming you know what I'm saying because then now there is nothing

10:48
that's changed between us that you know of right right and family knows of her whatever yeah

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um so now I just have to deal with my side which something did change on my side and that can

11:01
of course impact me but at least it's half so far but it's interesting that

11:06
you bring up that point because I worked with a fella he'd say you know when you

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know people were in the building houses you know his phrase would be you can't hide money

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yeah yeah so even if you wore the mask yeah

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there would be a change likely a change in your behavior you might upgrade your

11:29
car I'm not saying that so yes we would do that first because we have two 2004

11:36
vehicles and they are embarrassing to drive but but they are cheap yeah paid for

11:44
yeah and they still work exactly but yes I would definitely upgrade my cars right

11:50
away yeah except I would keep the Mazda and make Mia drive it because you know

11:56
kids should drive older vehicles yeah that's a smart move yeah yeah but so

12:02
you'd be like Daddy you need to buy me a Mustang uh nope would you

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yeah whatever Mustang no would you say no yeah I would say no yeah so you would

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so the back to the original point of the collection you would take the the two billion dollars well yeah did you bring

12:19
it with you or I did not I'm getting very excited here see see

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now now we're going to come back to the original question would you say you love money yes I don't know sure I don't

12:33
because I'm not trying to pin you down I'm wrestling with that myself I I so here's what I here's what I truly think

12:39
I think that I do a good job with money for a lot of

12:46
reasons I I think that and I I don't know that I need to go go into why right

12:51
now but I think generosity is part of it yeah I think um

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um integrity and business situations is part of it or there's been times where

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I guess it's kind of like frisbee right okay I mean frisbee there's no referee

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so a foul happens when somebody just calls a foul so either the receiver of

13:13
the foul or The Giver of the foul um and

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ultimately it comes down to a judgment call right sure and you can be generous

13:24
towards that call or you can be cantankerous like if you're on the receiving end of the Fall call like you

13:29
know that was a foul no it wasn't yeah well you slapped out of my hand you know you slap my hand in the mid no I got all

13:36
frisbee or whatever you can be that way you can go all right all right back off let's go guys you know I can get back on

13:42
the field and play sure because you got called for a foul and I think business you know this is quite the analogy but

13:48
business can be like that where there's arguments over you know haggling over

13:54
contracts and stuff like that and you can be like we're we're gonna we're

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gonna litigate about this or you can say you know what you're haggling over this and it's not worth it sure it's not

14:07
worth a reputation swap it's not worth you know whatever and so that's part of it too is like I've definitely

14:13
encountered situations like that in the past in various ways where it's just like you know what

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to gain the money through this would is not worth the trade of these other things whatever that is sure you know

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what I mean so I think that's also a good indication that I I could do okay but again I have no idea I don't yeah

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you know I I don't want to pretend I would do great but I like to think I would and I think everyone thinks that and I would

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say just based on our relationship I agree that you are very generous so did you bring it

14:49
I do not have it and like you say don't don't even go out to that point of uh

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making it sound like I have that kind of funding because I don't want the issues that go along with it because it's

14:59
interesting when we think about you know the research that is done on Powerball

15:05
and Lottery and things it's like people that end up with that chunk of money

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really don't seem to end up any better off that's that's the yeah and I and I

15:18
think even even the illusion of the precious if you will yeah you know I

15:23
think that's kind of what we wrestle with in that Dynamic of

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well I'll be able to do it better than them you follow me yeah and I and I

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think you know well you alluded to scripture even you know or you mentioned you brought up scripture as far as you

15:43
know the love of money is the root of all evil so you know money itself isn't an evil thing but it's that love of it

15:52
and I think you know that's where it can be a subtle thing and you know how do we wrestle with our

16:00
personal love if you will in a way that establishes contentment and it was it

16:06
was interesting because um part of where I was coming from there's a

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sociologists have found that there is a Optimum

16:17
income level for good parenting because as as we think about parenting

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you know kids cost money yeah and the reality of it is you know if you don't

16:31
have enough money okay parenting is difficult but there was this upside down

16:38
you basically that basically said at 75 000 you know it's sufficient and yeah

16:47
after 75 pre-inflation or posted probably pre right you're probably

16:52
reciting something yeah free yes definitely but in that process 75 000

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okay after 75 000 parenting became more difficult yeah yeah and I was and I was

17:06
thinking you know there's all kinds of phrases shirt sleeves to shirt sleeves and three generations or you know good

17:12
men make strong men make good times you know

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is that next year I don't know either of those phrases I'll explain it okay sounds interesting yeah sure sleeves the

17:24
shirt sleeves in three generations basically is this process where an individual will work hard

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you know and they may make it but likely in that process of passing it on to

17:39
their children their chill while they're great three generations so their

17:45
grandchildren may be back to shirt sleeves again where they have to work for it because the generations ahead

17:53
didn't necessarily pass it on well right they did in other words the first generation that worked hard the second

18:00
generation didn't get that work ethic and it didn't pass it on yeah yeah that

18:08
makes sense that and that's what I don't get the shirt sleeves part of that well roll up your shirt sleeves you have to

18:14
work you know yeah it's you know that kind of thing that they they invested in

18:19
other words and we think about it in the in the aspects of immigrants who came to America they worked hard and yet you

18:26
know and they and they were then they scrimped then they saved and they you know had this ethic that allowed them to

18:33
if we call if we may say you know accomplish the American dream yeah but then that dream wasn't necessarily

18:42
life long you know or you know generation it was that same Dynamic

18:47
wasn't passed on it's kind of like that saying that says I gotta I gotta think about it here for a moment

18:52
um Hard Times make strong men strong men make good times

19:01
yeah good times make weak men weak men makes make hard times yeah you follow me

19:08
it's that and I've never heard that either never oh I like that yeah it's just and it's

19:14
one of those things that I and the reason I'm thinking of it is it's one of those things that I'm thinking about now

19:21
you know as far as how how I've taught our children or we I should say but you

19:28
and me and Chris have you know to the degree that we grew

19:36
up what money meant to us or you know because we all we if we were

19:41
to have a hundred dollar bill on the table we'd all look at that differently

19:47
you follow me it would have a different that hundred dollar bill would have a different meaning to us

19:52
and that comes down to our money languages to a certain degree we all have different money languages but at

19:58
the same time we would look at that differently and I'm thinking about okay what have in my

20:07
love of money I'll go there with you because I think it is difficult because for me I wrestle with having a Love of

20:16
Money okay because I recognize that there is a difference in my demeanor

20:22
there is a difference in my mood when I get cut a check at the end of the week

20:29
and it goes into my account I'd admit for me personally there is a shift you

20:36
follow me and that that I don't necessarily like that but I'm also willing to recognize it is

20:45
a thing and it's like okay how am I being counter to or how is that thing

20:51
affecting my children it's interesting okay because for so

20:59
for years you know the love of money is root of all evil we kind of got into

21:04
this idea that money is evil and now for years since those years we've been

21:10
saying now remember it's not money that's evil it's the love of money and so we kind of balance that theology I

21:17
feel like generationally it's kind of gone that way for me uh but I've never thought about this but even with what

21:23
you're saying it doesn't even say the love of money is evil no right no it's all of money is the roof

21:31
right so you know the fact that you're you know it's the flash right but I

21:37
guess maybe partly um that loves money or whatever

21:42
so that's not necessarily evil it's really comes down to how you deal with that is so it's like another uh way to

21:49
put it is Temptation is also not evil to be tempted sure because temptation is

21:55
external you know and so when you're tempted by money by sex by drugs

22:01
whatever it is right right that part's not the evil part it's it's how we respond to it it's you know right yeah

22:08
that kind of thing so I do think just thinking about like do you love money

22:13
I think it's probably natural to say that most people who have flesh and needs and are not already you know

22:20
drowning in money love it because of what it can bring to their life

22:25
the challenge there of course is to balance it with recognizing no actually it's not this pile of green on the desk

22:32
that's doing that for me it is the provision of my father above who brought

22:37
this pile of green to my desk you know what I mean and being able to keep that in balance and being able to keep that

22:42
in perspective that's the hard part and important part and that's I think that's the part where

22:48
um yeah like that's the part that requires practice for now when you have don't

22:55
have two billion dollars you know yeah and I think that's the part I think it's

23:00
important to recognize that as a root

23:05
something that can grow yeah you know what I'm saying to where I'm mindful of

23:11
okay this is money but I'm not gonna let it gain you know grow rootedness in such

23:19
a way that I become or maybe there are roots and sometimes

23:24
you can pull them up sometimes you can yeah and but I think and I think that's where the family Dynamics come into play

23:31
because some of those roots get passed on through the family tree yeah and some

23:36
of those roots might need to be yeah because they're counter two and uh The

23:42
Virtue you know um reference to the one prior to that godliness with contentment you know this

23:50
Prospect of contentment and I and that's that's the part where I think you know that helps us trim those

23:57
roots or cut off those roots that might take us in an evil Direction because I'm

24:03
hearing what you're saying you know money is a moral yeah but yet we can

24:08
wreck and I think there is most I would say most people in our

24:16
generation or probably even most of our listeners we're not going to say anything new yeah about money

24:22
but I would recognize or I do challenge um JP you know the guy listening he

24:28
would included yeah yeah just like saying that name that's fine occluda yes that's a fun included that JP yes Harris

24:36
Street Church he was uh he was honestly talking about it in the sense of it's not that we

24:42
wouldn't it's not that we can hear anything new it's the fact that we

24:48
believe what it says is true yeah you follow me yeah and presenting the same

24:55
truth in different contexts can open new insights sure so yeah

25:02
um one thing that I in terms of money that I feel like is a conversation I

25:07
haven't heard much of Bring It On that I think

25:12
would be a good you know question uh maybe something new Maybe not maybe you've had you know in your context as a

25:18
listener you you've discussed this a lot but like why don't we talk more to our

25:25
kids about the money we spend and how you know budget you know like the exact

25:30
figures like we're very protective and by we I know we are and I assume you are

25:36
and I think that's kind of an a normal parenting uh route to take is basically

25:42
uh how much did that cost none of your business you know what I mean that kind of idea how much do you make yeah none

25:49
of your business right yeah and of course so some of it's the obvious why

25:54
you know it's like how much you make it's like I don't want you to go to school and have a pissing contest with

25:59
your friends about yeah whose dad makes more money like that's that's the first obvious

26:05
thing and I think of course children don't have the maturity so I I feel like I'm gonna give an

26:10
answer my question to some degree but well I think there's some value in maybe

26:16
well here's here's here's the problem that I see yeah because we don't talk about it adequately and we don't talk

26:22
about what numbers mean something right like and if you make this much it means you can do this and if you you know if

26:29
something costs this much it means you probably have to make a trade-off and not do this other thing because we don't talk about those figures and stuff or

26:35
even the concepts much because it's all none of your business they don't have those tools sure and I would I would not

26:42
that we're going back to the sex topic but I would say it's very similar yes I

26:47
agree yeah having yeah but that one's way more Awkward that was easy to explain it's like no one wants to talk

26:53
to their kids about sex like no well actually money is kind of that way yes all right because and I would I would

27:00
dare say you know sex and money are similar in the context that they can

27:06
provide things that God desires to provide you follow me so if I'm looking

27:14
to money for happiness versus contentment you know sex for happiness that that kind of thing I'm gonna be

27:20
disappointed yeah so I believe like you're saying that we have to have these

27:25
age appropriate conversations all along about money

27:31
Finance you know finances sex that kind of thing in an age-appropriate manner

27:37
that help our children understand God's design for it it's not that this is

27:44
man's thing granted finances yes you know we can argue the point or whatever but you know

27:51
the reality of it is God talks about money a lot yeah in scripture and you know and Jesus refers to it a lot you

27:57
know the the whole camel Dynamic you know it's difficult for a person to you know enter enter the Gates of Heaven you

28:05
know until they kind of unload this pack you know that kind of scripture and so there's a lot of it and I think you know

28:12
even talents and you know how he used that but I think it is important to be

28:17
able to talk with our kids and say yeah this is what we do this is what your mom

28:24
and I do you know and I think it's even important to be able to say later on you

28:29
know okay yeah this is about how much we make and this is you know where we a lot

28:34
you know certain percentages and we don't go over that percentage towards

28:39
buying a house or you know a car you know we try to see you know and I think those things can be you know and being

28:47
able to really talk about um Credit in a healthy way because it's

28:53
not that you know I I personally have an issue with credit cards that kind of but I think you know for us it's about being

29:00
able to pay it off every month and still you know build a sort of credit and not that that necessarily does it we found

29:07
out that doesn't necessarily oh really yeah in certain circumstances you know if you're paying it off it's not like

29:13
you're building a credit score it helps but you know if they also want

29:20
to see they want to see your ability to pay for something pay off something over

29:26
long term too so yeah that's that was an interesting Dynamic that I all right listener

29:31
yeah Dave Ramsey's like you shouldn't care about credit yeah and and here's

29:37
the thing I think you know I'm a full I'm I believe strongly in what Dave

29:44
Ramsey's has done his ministry and how he educates people on finances and yet

29:51
I've also seen how his teaching can lead couples in such a way to be so focused

29:59
on finances that they lose their ability to build relationship and have fun I'm

30:04
not saying it's Dave Ramsey's fault don't get me wrong yeah yeah but like anything I think we can take it too far

30:10
in One Direction and it's about being debt free and that's all we do so we don't go on vacation anymore more or you

30:18
know have weekends away you don't have people over because you have to feed them and yeah at the at the cost so we

30:25
lose relationship at the cost of yeah I've seen that for sure yeah yeah so I

30:30
mean and I think that's where I'm coming from is this ability to say okay how can I recognize what influences are in my

30:38
life regarding money and still be generous still build contentment you

30:44
know and still have a create if you will a legacy that says okay yeah what I

30:51
accumulate okay my children will know well well what to do with that what is

30:57
the there's a proverb that talks about um the wise being able to pass have in

31:03
to their children's children yeah yeah but yeah I'm not asking you to quote it

31:08
for me I don't think I was specific to money though but yeah right maybe I don't know I'm yeah I'm I guess

31:16
it wouldn't have to be money but an inheritance I might tend to think of that could be land could be

31:24
yeah you'll have to look at resources yeah we can we may have to come back to that too yeah and just yeah I think you

31:32
would you're saying the same thing but like if you want to listen to some good advice you know definitely check out

31:40
Dave Ramsey's podcast sure where he talks about this every day all day and yeah you're gonna get some really good

31:46
advice and his system whatever his whatever it's not perfect there's no perfect system for every single person

31:53
and so there are going to be some personalities that that maybe it brings out the worst in them or whatever but

31:59
generally if you were to ask him about this scenario he would say well no of course I don't mean abandoned Community

32:05
sure but I also mean get out of debt so if that means for one year you're a

32:11
little bit light on the community side because you recognize your tendency to spend too much in those environments or

32:18
whatever right then that's that that might be the trade-off you have to make that's that's a personal call that you

32:23
have to make you know sure I think he would be very balanced in that perspective no that'd be my guess but

32:31
yeah the thing about the kids uh it's interesting because I mean I I think I I

32:37
appreciate you bringing out the phrase age appropriate because I do think that's kind of a key there

32:43
um you know what that age is I'm not sure I do think you know Mia is my older she's she's 15.

32:50
um and so you know she's had some jobs and different things like that so I think you know there's probably

32:55
somewhere around this time where it's good to start talking about this uh don't get me wrong we've talked to her about money yeah saving and all that

33:02
kind of what's she saving for um I'm not sure actually okay yeah what

33:08
are you saving for a vehicle unless I win that Lottery yeah yeah no

33:16
yeah also we tend to save our vehicle but really we're just saving for our kids dentist visits gotcha yeah yeah

33:27
we save so that we can have uh funds for those things that come up yeah and then

33:32
it kind of sets back our our goal for the thing we're saving for but at the same time we have another same time here

33:39
living in peace because yeah you have the funds to take care of what you need to take care of it

33:44
yeah and it's it's interesting to think about it from that aspect too because um

33:50
I just recognize I guess the older I get the more I recognize that that piece is

33:57
available no matter how much money we bring in you know to a certain

34:04
degree I realize you know being completely broke is not fun don't get me

34:09
wrong there and yeah it's because it's interesting about where I'm coming from is you know

34:15
the way I do my counseling you know I'm on a sliding scale yeah so I don't have

34:22
a flat fee in other words that basically makes it cost prohibitive for

34:28
people with a lesser income to see me and it's interesting because that that

34:34
provides quite a variety in Brunswick County of clients you know so I I

34:40
definitely have people who you know pay me the the least amount and yeah I have

34:46
people that break my scale right and it's just you know it's like well we're we're well above your scale it's like

34:53
well you know I'm happy for you and yet I

34:58
recognized it you know on that on that lower end you know I talk with people

35:04
and they're just come in and they're you know contended

35:09
and they're able to say you know what this this came to me I forgot I had you

35:14
know this check or this check came you know and it's just interesting for me to be able to see yeah you know God's

35:22
faithfulness to people across the board yeah and that's how I see it that it is

35:28
about you know his faithfulness regardless of the level

35:33
of income that I have in so many ways yeah I feel like I've seen

35:40
discontent in all varieties right oh sure and same the same contented yeah

35:46
there are people who do wealth amazingly well and I think you know that is that

35:52
is part of their blessing if you will because God says yeah you're faithful

35:58
with the little things like you were saying you know I'm get I'm gonna be willing to give you more because I know

36:04
what you're gonna do with it yeah yeah yeah and I think that's a big part of

36:12
a big part of this money talk especially in terms of you know God and is

36:18
essentially praying those prayers that say don't give me more than I can handle and that goes for all Temptations sure

36:24
you know what I mean and just just a desire for him to grant us what we can

36:31
accept but no more yeah and I've definitely prayed that prayer uh several

36:36
times in my life in journal at different things about don't give me more and specifically

36:43
money then I can do right you know and

36:49
um that's why I'm still poor you know I'm not poor I'm just kidding uh but but

36:54
that's a big part of it is I think um I'm okay with I'm okay with this being

37:01
the most I make or less right if if that's what it's gonna take to be the healthiest

37:08
version of myself and by healthy I mean spiritually healthy sure um yeah and I think like you said you you

37:16
can go you hear so many stories of missionaries right going to these poor tribes in Africa well they don't know

37:22
they're poor they don't you know they're content they're happy they their life is a fulfilled existence and they're not uh

37:29
sitting there wondering when the next you know checks coming in they're not you know I don't know it's just a different world yeah

37:35
um and there are some some who are truly poor poor so the poor you know in these

37:41
different missionary communities that just aren't worried about it yeah you

37:46
know and which is kind of what you're saying um even with the Brunswick County you know dichotomy

37:51
um and I think there's there's so much value and be able to be content despite

37:57
what the The Ledger says um but it sure isn't easy it requires a

38:03
lot of intentional work you know mentally to do

38:08
that and if you don't think about it ever there's a good chance like you know

38:14
that yeah I don't know I think if you don't

38:19
think about it ever then there's a tendency or flesh will just do what it's going to do and you'll end up loving money too much and it'll become a root

38:26
of all you know root of evil and you'll have some Roots growing up or whatever I do think you have to Manicure it I do

38:31
think you have to pluck the weeds when they're coming up recognize that those roots are are there and they need to be

38:37
groomed sure fair enough yeah no and I but I I think there is something to be I

38:43
was when you were talking about it from you know the past that kind of thing I was thinking about that or the the

38:50
missionary Dynamic I was thinking about it from that child likeness and and I

38:55
think about it in that context of you know early on growing up you know I recognize

39:02
for me we weren't Wealthy by any means and yet

39:08
I didn't know any different you know what I mean because we were all kind of the same in our neighborhood

39:15
that kind of you know Working Class Type Dynamic and I I was thinking about it in

39:21
that context and I you know I was thinking about it even from the missionary it's that it's that

39:27
comparison that I eventually find you know yeah that seems to make it

39:36
difficult and I think even as adults you know or especially as adults that's

39:43
when we start wrestling with it because we see someone who has something you

39:50
know and and I and I'm thinking about it in that context it can very much be that

39:55
comparison and we kind of go back to that atom perspective that says did God

40:03
really say that you can't you know the root of all money the root

40:09
of all evil is money come on now how that's not that's not that can't be true

40:15
you know is that Apple not good for me oh come on now it looks so appealing um

40:21
and I think that becomes that comparison that it's almost like oh well God are you holding out on me in somewhere right

40:29
and to be able to recognize and come back and say you know what you're not holding out at me at all yeah

40:37
yeah because I have and you know whether I do have or

40:42
don't have you know there's still a relationship that isn't

40:48
going to change there right right and yeah and it's not conditional

40:55
on the amount of money you have or don't have and yeah his provision is not conditional on the amount of money you

41:01
have or don't have and some like you said there are I I think a lot more stories of gratitude for God's

41:07
faithfulness when there is a lack of fun so when there isn't right because it's like like you you know earlier mentioned

41:13
like a check just showed up and here I am you know like you can afford to pay for counseling because for some reason

41:19
this came through and you know and like I think there's a recognition of those blessings I also think those blessings

41:24
come to people who have money it's just you don't process it the same way the same level of gratitude you know sure um

41:31
because the rain falls on the just in the unjust and I believe that even rich people get checks they didn't realize we're gonna come in but they're probably

41:38
not you know talking to their counselor about that's why I'm here because this came through you know it's a different

41:43
world harder to appreciate those little blessings and I think that also takes work to be like you know what that is

41:51
cool I didn't necessarily need that but it's still a cool little you know provision from God you know what I mean

41:57
right and I think where what you're referring to in some ways is dependence hmm you know and I'm not saying that

42:03
wealthy people don't have them dependence mindset or can't have but I

42:09
think it would be more difficult you know because on God specifically yes

42:14
yeah because I think and I think that's where it comes back to is depending on our

42:20
perception money can for on this Earth to replace God often times yeah oh yes

42:27
yeah you know and I think that's that's just again to quote the scripture that you said earlier which you didn't quite

42:34
say at all so but uh it's easier for a rich man to pass through and I have a needle and then uh or I see easier for a

42:42
camel to pass through the eye of a needle then for a rich man to make it to Heaven is essentially yes a summary of

42:49
that verse which is exactly your point it's you know with the the money becomes your God

42:55
and your faith is no longer in God but in money and you know faith is the

43:01
currency of you know Salvation right and so if you can never get to that place

43:07
yeah of faith in a provider because you're already provided for

43:13
then you know it's gonna be pretty hard yeah camel going through an eye of a needle

43:18
um because it because it's a god replacement like you should it provides so many of the things

43:24
because it can provide almost anything just like God can yes right it's on

43:30
earth right in in one could argue one could argue you could even buy your

43:35
salvation depending on your religious affiliation that's true but that's yeah that's a good point and I do think that

43:41
becomes a reality depending on again your religious affiliation where it's like well I know I don't live right but

43:49
I'm gonna I'm gonna take care of that yeah right throw something yeah exactly financially I'm gonna take care of that

43:55
yeah yeah and uh and I think that happens not just in certain religious affiliations I I think that happens in

44:02
almost every religious affiliation if if you're theologies that whack sure you know I

44:08
think whether it's taught ask you or you just heard it ask you sure I I think there's

44:14
Apple that do that yeah they try and buy their salvation and but yeah and of course you know there's

44:21
so many anecdotes and stories and you know that the versions of life that you

44:27
buy versus earn are not quite the same you know so if you buy love right you

44:33
buy sex you buy you know fulfillment or you know you buy something that makes

44:40
you feel like you have you're a big man right sure you know what I mean like all those things they

44:47
end up short yeah right if that's the grade um and so they yeah

44:54
yeah like you you buy a big truck to prove to everyone you're you're you're a big man

44:59
and yet you're still a turd you know it's like you're still a little man in a

45:05
big truck honking at people in front of you like I own the road it's like you're not a big man you're a little man for

45:11
doing that you know and you're just proving it you're displaying It On full display you know what I mean I hear

45:17
where you're coming from yes in that process and like that's a thing yeah the aggression well I was thinking about

45:24
that if if I may um you may what what I apologize if you

45:31
have a big truck I want a big truck I'm actually just jealous so what have you learned that

45:39
has helped you prune your roots yeah that's evil I guess with Megan on your

45:46
own so the first thing I'll say this is a

45:53
common answer with your questions like this is something that took decades to

45:59
learn so good luck if you're starting on this journey you got a ways to go maybe you're faster than me that's fine yeah

46:05
yeah but for me it's Decades of testing what the Bible says about money hmm

46:11
because the Bible even says test me in this see if I don't you know I'm gonna butcher it but basically

46:18
you're just talking about being generous towards God and tithing and sure and

46:23
that kind of idea and saying test me in this and see if I don't blow your socks off essentially Malachi 3 isn't it

46:28
that's right yeah yeah the Justin version I think yeah and blow your socks out

46:34
um but yeah the whole point is so tithing has always been part of my

46:39
nature because I grew up in church in in a church that specifically talked about that was very you know adamant about

46:45
about that um I think most churches are because the Bible teaches it although one could argue about the specific word

46:51
of tide and the specific percentage amount because Old Testament was 10 and that was called tithe and sometimes we

46:58
extrapolate that to be the giving that he's talking about in the New Testament but he doesn't really say that sure

47:03
right and this one what is the storehouse yeah that can yeah

47:09
so I've been tithing since I can since I made any money I've been trading and I was taught to and I enjoyed it I'm like

47:15
look at me I'm so smart and righteous and putting my money in the the you know

47:21
plate as it goes by so that's been easy and it's never been a struggle and I I hear people who struggle with it and I'm

47:27
like I can't relate but I also have empathy I can I can understand I was like if someone gave you you know 100

47:33
Bill and then said now can I need to trade that in and give you a 50 in you

47:39
know 220s and yeah that's not anyway it's like that doesn't quite have the

47:44
same feel as a nice Chris hundred dollar bill and you're like but that was my ten dollars you know I don't know when I say

47:50
110 it doesn't sound like that big a deal but no I got you maybe ten dollars in one now it's still but anyway ten

47:56
percent um you know is a big deal it is doing that for decades and seeing that

48:02
we're fine we've done it through the worst and the best times there was two years I didn't have a job

48:10
um at all I well I shouldn't say I didn't have a job I did odds and end painting jobs sure I didn't have I

48:15
wasn't employed by a specific employer I kind of did some freelance stuff but

48:20
nothing was steady it was kind of just scraps right and during that time we

48:26
still managed to tie then we still managed to slowly [ __ ] away at our debt

48:31
slowly I mean it was much more slowly um and I just look at those times and those are kind of like uh pillar points

48:38
in my life or Watermark moments where I can go if that then this is fine you know what I mean I can say if he got us

48:44
through that and we then there's never I never questioned the tithing aspect I

48:49
think one area that becomes more struggling is uh he talks about ties and

48:54
offerings kind of you know it talks about the idea of there's kind of your obligation then there's the above and

49:00
beyond and so you know trying to figure out what that means and how to deal with that like I think there's been times in

49:07
our life we've done good with that we've we've we've gone we've done things right and other times where it's like I don't

49:14
think I quite want to do that and it feels very much very difficult and um

49:19
again the times where we've done it and the times where we haven't we're blessed more when we do it than we when we don't

49:27
um and so much of living after the word of God isn't about

49:35
the immediate payoff right sure and so recognizing that right now it's Gonna

49:41
Hurt that's okay right I'm gonna be generous and you know give to this thing

49:47
or this whatever this person whatever the need is and we probably you know we could use that money for my truck but

49:55
but you know what this is more important in recognizing that the immediate payoff as well it's going to take longer to get

50:01
my truck and you know and that's that's because we're blessed like you know 10

50:06
years ago it would have been you know we might not be able to feed our children I don't know you know

50:11
what I'm saying like the the how it impacts you is different but the facts are sometimes the immediate payoff is

50:18
not blessings is not whatever but I can tell you that years of doing it produces

50:24
a blessed life because it's promised and he doesn't go against his promises and

50:29
you might look at one scenario one thing in your life where you say I did that and then this happened so it's not about

50:35
uh you know if this then that right um it's about reaping and sewing in the

50:40
grand scheme of your life and sometimes this the reaping what you reap is not a

50:45
financial benefit what you might Reap is the ability to be generous sure which is

50:51
its own reaping it's its own blessing is to be able to say you know what this is not my money it's his and I don't mind

50:56
giving it over here instead of here that's a blessing in and of itself right so if you get nothing else out of the

51:03
deal you still get a pretty good deal in that you're not tied to this thing and it's not you're a slave to it right

51:09
because you love it so much and it it provides everything in your life yeah that was a long answer I don't even know

51:17
if it was an answer I don't know what what'd you ask again I was asking how you trim your roots trim your roots but

51:24
tithing tithing is a good one we'll boil it down to that yes

51:29
I think another way for me has been those situations that I was kind of alluding

51:36
at where I feel like I deserve a certain thing but I set my feelings of deserving a

51:44
sign and say you know what it's not worth it that's one way that's helped me sure chop those roots out you know and

51:51
say you know what the this person owes me this person owes me I worked for those you know this hours

51:58
they owe me this many dollars and and going you know what I could hunt them down and I could keep

52:03
bugging them like it's not worth it to me to do that because

52:09
I know the situation and I I know that either either misers and Terr you know

52:15
whatever and like whatever or there's a genuine Financial struggle on the other side it's like you know what it's not

52:22
worth tearing them down to build me up sure and so

52:28
that's been helpful for me honestly there's been several scenarios like that throughout my life where and I I'm not I

52:36
don't want to say like um I think there's parts of my personality that drives that where I

52:43
care about approval I care whatever so I don't want to make it sound like uh it's some virtuous all virtuous but that the

52:51
result of it is you know what money's not all that and that's a good thing that's a good outcome in my life and it

52:58
does help trap some of those roots so that's another thing it's and there's there's always opportunities for

53:04
generosity to an enemy right like sure because that's kind of No Doubt I was thinking

53:10
about it even the context as you were you know I was hearing you say the eye part you know and I I'm for me

53:15
personally I'm thinking about um how much Chris's influence has helped

53:21
me trim my roots you know in that process of a spouse because I think

53:27
early on in relationship we bring these separate money ideas together you know

53:33
in marriage and you know we we know how you know difficult I can be you know

53:40
when it's not when it's opposed to we I want this I want that you know versus oh

53:46
what do we want to achieve and what do you know and I was thinking about it um I don't necessarily well I alluded to it

53:54
earlier there's studies that show there's like four different money languages you know

54:01
um amiable money is love um analytic uh money can kind of be

54:08
control because you know I I think about finances and I have my spreadsheet that kind of thing driver is another one and

54:16
it's about you know looking at what I've provided my family and there's a sense of accomplishment there you know and I'm

54:24
forgetting the other one off the top of my head but it was a it was a research but being

54:29
able to recognize that my view of money is better when I include Chris's you

54:38
know balance yeah it's a balance it's a wholeness of God's Viewpoint and I'm

54:44
able to see money more clearly you know when I accept influence from others

54:50
because I can get I can get caught up in the my me I versus the okay what is what

54:58
is what am I learning in the we moments that basically say okay yeah I'm not

55:05
I'm not I don't know at all where finances are concerned and I I think about how early on Chris and I

55:11
definitely was money was one of the most difficult topics we had just because of the way I

55:18
view money and the way she views money and as we've come to the ability to

55:24
Value one another's opinions or when others um languages perspectives if you

55:30
will um I think we are better off yeah that's good and I think you know she helps me

55:37
trim my roots and I help her trim her roots in ways that I couldn't do by

55:43
myself or I don't see myself as being able to do alone it's good

55:48
yeah so it's important if if you are you know struggling with money issues in

55:54
marriage maybe that's because you haven't been willing to let those roots be cut back a little bit sure you know

56:01
and haven't recognized that that's a thing or uh yeah or maybe there's opportunities there for you to bring

56:07
balance to your relationship and I would leave it along the lines of what you're saying too I think it's not that

56:14
everybody has to know their language I'm not promoting that but at the same time you know two people with the same kind

56:21
of language are going to be have a more difficult time with finances because of the lack

56:28
of that balance so if two people you know are amicable

56:33
in their money language they're likely going to have a lot of friends because they're spending their money you know

56:39
towards friends but they're going to be broke yeah you know that kind of thing and I think that kind of yeah to be able

56:46
to have that balance is a good thing and to appreciate it if you're single and

56:51
you don't have that opportunity that's okay too you can still get balance yes but still influence of other people and

56:58
you know and having those age-appropriate conversations that say Hey I'm I'm I'm 20 something I'm 30

57:05
something and I'm thinking about this yeah and you know I want to build a house I want to you know it's like

57:10
talking with people there's a lot of really good rich people around you you know probably in your church probably

57:16
whatever that would be like I would love to sit down with you and talk about sure how to set your life up you know or

57:22
whatever yeah I think yeah do that so that's where I'm at thanks for the uh

57:28
thanks for uh let me Spring this one on you just that was good it's not quite what I thought it was gonna be I thought we were gonna solicit some some listener

57:36
funds but you know I think you did I think he did I said send a check but

57:41
they don't know where to send a check so oh wow and then you said venmo but they also don't know where the venmo so I

57:47
don't even think we have a venmo account do we don't oh we'll see that's nice and there's no address so well there you go

57:54
you're just gonna have to um you know wait till we do have a bedbug okay

58:01
if you see Justin feel free tail take he'll take uh what

58:07
do you have donations donations that's right yeah what I need to do is put a wish list on the website podcast oh yeah

58:12
and then people get the contribute towards that that'd be kind of cool actually yeah is that do we do that is

58:18
that an ad I don't know it's sounding kind of like an ad does I let you take care of advertising so yeah yeah that's

58:25
how we see it just so that this sounds better that's all is that all that's how we hear it that's

58:32
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58:40
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