00:00 Chris Grainger
All right, guys. Welcome back to the Lion within us this week, we’re going to be talking about wealth specifically, debt that this is a tough versus this versus going to hit a lot of people between us Proverbs 22 7, the rich rules over the poor and the borrower is slave of Lord. That’s a hard verse. And I have with me this week back, Mr.

Adam sheets, you guys he’s been on the show before, so we’re excited to have Adam back, Adam, how you doing this evening, man? Thank you so much for having me back. All brother. Oh brother. This is fun stuff I love having you on. And although I can’t say that, I love this topic. This is a tough one, man.

It is, it is him. He has, I think about the lions out there that are trying to lead her families. And, you know, you got Satan attacking you every day. And one way to he attacks is with debt. And I mean, I think we all have to face that and, you know, and I think we need to start off with, you know, how people just viewed it, you know, what do they actually think about when they think about the word

01:07 Adam Sheets
debt?

Right, right. I mean, gosh, this is, this is such a hard, it’s not a hard topic to talk about. It’s one. When I, you know, I’ve been the listener on many different major podcasts and stuff out there where it’s like, oh, that’s easy for you. Uh, because you’re the person who’s doesn’t have any debt. And I used to have, you know, well, over $200,000 in debt today, I don’t have that.

And so I can say, yeah, it was a hard journey to get through. But that’s why I think this verse is so impressive and important, um, is because being on the other side, it’s worth, you know, sitting down and sharing some of those nuggets along the way.

01:56 Chris Grainger
No doubt. I mean, and just look at the core. The slave of the lender.

I mean, there’s, there’s visions that come to mind when you, when you, when you envisioned slavery. Right. And they’re not good. I mean, it’s terrible. Yeah. It’s terrible. As bondage is you don’t want that, man. It’s terrible thing to be, to be tied to. And, you know, I got allergic to it too, you know, and I went through, you know, a lot of Ramsey stuff and doing certifying, you know, doing financial coaching and things like that.

And, you know, it’s freeing when you get. The dead off, you were in similar boats where my only payment now is the house payment. And one day that will be gone. Uh, you know, but you know, when you don’t own anybody, anything, you know, it’s there, it’s a really good feeling, but it takes a lot of work and dedication and mind shift to get there because the world views right now, debt is it’s almost it’s it’s so nonchalant.

I mean, I was even watching TV earlier and it was a commercial. And they were talking about people with bad credit scores and it was a lending institution that was saying, Hey, if you want to get your credit score better, just borrow $10,000 more and show you can pay that back. And you don’t, and I’m like, wait a minute, like

03:14 Adam Sheets
you can’t pay the self, your advice.

03:18 Chris Grainger
Like here, Mr. Alcoholic, have a drink, you know, what are you doing? Right. And, and, and people fall for this stuff, man,

03:26 Adam Sheets
every time it’s, it’s, it’s sad. But then again, it’s like, you need this now. Right. But that instant gratification in one way of our daily habits, but it plays out, uh, financially, too. We want things right now.

And, uh, you gotta have a totally different mind to get out of.

03:47 Chris Grainger
You do you do that gratification thing? You know, a lot of, a lot of our listeners, they’re younger, you know, you’re getting started, you know, just because your parents have a 3000 square foot home and they live in a nice, so division doesn’t mean you do right, right now, you know, they’re there, you have to work your way there.

And it just, it baffles me how quickly, you know, and, and, and look, this is, this is speaking strictly from experience in life lessons and a lot of. Of how quickly I don’t really care about how much I owe you. I just need to know how much that monthly payment is. Yeah. I got that payment covered baby weekend.

Everything is gravy, baby. I’m not really worried about it. That’s

04:29 Adam Sheets
right. And, uh, you know, it’s just, it’s one of those things that delayed gratification is the only way. And I think, you know, I think the Ramsey model is a very strong model to help people out of that. Uh, you gotta get emotional with it. You got to hate.

Just like taking it, uh, scripturally, you have to hate sin in order to change you. Can’t just be like, eh, I’ll make a little change here and there. Like you don’t because we naturally are drawn to that, you know, sins easy and debts easy. Right? The Bible talks about debt very poorly and just like it does sin.

You know, you are a slave to that lender. Um, it’s a slippery slope once you get started, because then you’re like Beastie list start living outside of your means again, cause you just got this big cashflow in flux and then there’s the next one? Oh, I need to take another little bit so that I can cover this and now I need to take it a little bit so I can take a vacation and then turn around.

You’re just like what happened?

05:33 Chris Grainger
You’ve drowned it. Right. You know, and, and. The show, you know, everything here, the lion within us, we’re trying to peak teach people to be lions, not sheep. Right. And what we see with this debt what’s happening out here is it’s sheep like behavior. I mean, it really is. And, you know, as a financial coach and things that I’ve done, you know, outside the try to serve people and help people get past this bondage of debt is, you know, it baffled, it blows me away to see six figure income families.

And there are plenty of them out. There are living paycheck to paycheck and they probably couldn’t cover a four or five, $600 emergency. Right. You know, and I mean, that’s best like real life gas. I mean, this is real stuff, right? Like you making six figures, you know, and you would think, well, you’re having it covered.

Well, no, because what have you done the whole time? Your expenses, nothing but except follow your incomes. Right? Your income is your only way to build wealth. So it’s, it’s, it’s. It’s frustrating for me too. Cause when I, when I sit down with people and I see that they’ve gotten caught in a trap and it’s, I don’t think people intend for it to happen, but it’s so easy to get on that slope.

Right.

06:48 Adam Sheets
I would also just add to, you know, we’ve even had a lot of marketing, there’s a lot of material out there. I can see where some of these people go like kind of like rich dad, poor dad, you know, like there is such thing as good debt, like we’ve even had to classify the kind of debt that it is. Oh, Good debt.

This is bad debt. Like

that’s, that’s how we work as humans. You know, God sees sin as sin, right? Not a white lie is okay. Every once in a while. And, you know, murdering someone will bats like sin, sin don’t do that. You know, it, it, it follows very similar processes. Now on the other hand, like, yeah. I own a home. I still have debt. I think that there are safer bets and we have to manage that out.

But, um, yeah, no, you don’t bet the farm on something or you don’t take out a huge, giant thing to go on a vacation. Like, I’m sorry. I know you want it, but figure out how you can unplug and recharge that doesn’t cost anything because you can’t afford to go to Maui best. Right.

08:00 Chris Grainger
I already get, well, Adam, let’s take a quick break and then we’ll jump back in and talk about maybe how do people really get into debt?

Because I think sometimes it hits us before we even see it coming. So we’ll be, we’ll be right back guys.

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All right guys, we’re back here and let’s just talk about how people get into debt and, you know, from a financial coaching standpoint, the, the thing that common thread that I see a lot of people and couples in particular that, that are, that are entangled in this debt problem, it’s really starting at the student loans.

And you know, if you’re married and you’re out there and you’re trying to lead your family, now you gotta deal with the student loans. But what I want to try to talk to you guys about and think about. Is doing education outside of student loans, because it can be done. You know, we just have to, you have to think about it differently.

And that’s why I love coaching young men and trying to help them think through this. And one thing, you know, particularly, even for me, the four year college, while they’re great, the first two years you can do those anywhere. You know, that’s, that’s two years of, of, of general education. Your local community college could be a great place to do that, you know, and I think that is, you know, you gotta be looking for deals.

And, uh, one thing that are off the books for, for our family is, you know, private schools and out-of-state, I mean, it’s the only thing that we really do need to be thinking about is in state and public. And I know that may rub some of you guys wrong and I’m fine with that. Okay. Because as trying to lead lions, I get that, I’m going to say things and not everybody agrees with and a public.

In state college, once you’ve reached that 300, 400 level classes, I think that is a good investment as you pay as you go though. Right? And that’s, that’s the trick that man, that student loan it’s a crisis.

10:37 Adam Sheets
Oh, I, I couldn’t agree more. And I think too, I didn’t go that route personally. Um, I, I went the four year degree, but at the same time, I had very clear expectations from my past.

You have four years, that is it. You know, luckily they, they, uh, paid my way through those three colleges, which I know of. I was very blessed to have that as an opportunity, but there was very clear expectations on what I should be doing and should not be doing. And exactly when it cut off what was included, what wasn’t included, uh, to make sure that I went to them.

And one of those was picking a career field that was. Right. You know, there’s a lot of, uh, studies that are coming out and, uh, coursework that’s coming out that has been out that has no value in the market. Right. And I think that’s another major important one that we need to be raising up our kids saying, Hey, if you’re going to school, you need to have an idea of what you want to do.

And you need to steer clear of these. Like, you can go for any of these, but. You know, you can’t choose that cause you know, um, I’m paying for this or whatever, like,

11:53 Chris Grainger
yeah. I mean, I’ve even coached guys. And I sat down with a young man one time and he was like, well, I want to be a mechanical engineer. Okay.

That’s great. Well, why, why do you want to be a mechanical engineer? Blank stare. And I was like, well, do you like engineering? Do you like math? Like he was like, no, it just. I think I can make it a lot of money. I’m like, bro, you can make a lot of money doing a lot of things, right? Like what are you, what are you what’s going drabby, what’s your passion?

Cause you’re getting ready to drop some serious cheddar oh, mechanical engineering. Uh, and you don’t even know why you want to do it. So that led down this path of, you know, understanding who we, who he, who he was and what his ambitions were and what his goals were. And that led us down to a path of graphic.

Well, that’s not, that’s not mechanical engineering, right? I mean, that was a great conversation. And his, his family was, was ecstatic that we had that conversation, but they were feeling good about mechanical engineering as most people probably would. But like, if it’s not, if it doesn’t align with what they want to do, it’s w why take that path?

Right.

13:04 Adam Sheets
I agree. I don’t know. I don’t have much to add onto that. It is one of those you got. I didn’t know what I wanted to do in college until my junior year, I would say at the end of my sophomore year. Um, and I think that’s okay, but I also knew what I shouldn’t be looking at either. You know, I knew what career fields to stay clear of.

Right. So at least that I had some semblance of what else doing.

13:33 Chris Grainger
So now let’s maybe let’s shift Adam, let’s talk to the, to the guys out there that, you know, they’re leading their families. There, you know, they have bills coming in and, and what they can do. They want to start getting their hands around the debt they have and start building a path forward to get out of it.

And you know, for me, I’ll always, when we sit down and I start coaching people, it always hands down, this is the Bible, it starts with budget, but you have to, you got to understand where it’s going, right. I mean, and that’s this, it’s amazing. How many times I sit down with people and like, well, let’s talk about your.

And it’s huh, bro. Come on now. I mean, we got, you have to have a plan if you’re going to win

14:17 Adam Sheets
that’s right. And, you know, um, I kind of almost want to pause so I can find the verse, but there is a verse in the Bible that talks about, you know, who goes out and builds, but doesn’t think about counting the costs, you know, like it’s, it is scriptural.

You need to sit down and take account of what you have and what you’re setting out to do. And that is what do you owe? What is taking your inventory? What do you have? What’s coming in? What’s going out. And I agree with you. 100% of the budget is what is going to, you’re putting on your own handcuffs in order to bring you future freedom, right?

Once you get out of it. I still live in my budget. The differences is my buckets are a lot different, bigger, and more exciting than having to spend all my money to something I’m mad that I had to pay for, you know,

15:16 Chris Grainger
that’s right. So any, any, and outside of, you know, infidelity money, that is the biggest driver in divorce.

You know, Satan guys, he’s going through everything. He does not want your mirrors to want to be successful. If you’re a Christian man, that’s the last thing he wants you. He wants to chalk that up to another divorce. So you gotta take this serious, right? I mean, this is, this is it. I mean, money is a stressor women.

They view it. It’s, it’s a security and it’s because, I mean, that’s how God made them. And it’s a wonderful thing. And we as men, we need to be intentional here. And I knew for me, when we started getting intentional about budget, And sitting now that opened up conversations with my wife, that I knew it was important to her, but she also knew there was no, there was no gray area.

You know, if we didn’t have the money to do this one thing or conversely, if we had a goal that we recognize we’re working on this together, Man. It was so much more alignment and ability to work towards that goal because we had the budget and we knew what we’re working towards. And when, once we got there and got to spend that money, that was, that was beautiful.

16:30 Adam Sheets
Oh, heck yeah. And you know what you said there, just to piggyback off of, you know, setting that goal, setting that vision of where you want to go, because it’s really easy. If you guys have a goal, a shared goal unified. Vision to want to not spend money. You know, uh, my wife and I, we do this thing every year where we, um, we look at the entire year looking ahead, we try to do every two years or so we do a 3, 5, 10 year look.

And then every year we just do one year out and we put a word on it. Um, and so this past year was little by little less. Cause we bought a house. Like we are saving, saving, saving so hard so that we can buy the house, but the mindset behind it was okay. Now it’s a little by little, we need to slowly move in slowly, make changes to our budget.

Cause we’re changing everything about our lives. What school our child goes to, what neighborhood we live in are a lot of our friends group, our church. Like we changed a lot of things in one year. And we try and do that little by little, but it was easier to have those budget conversations because we had a shared goal of what that year would look like.

And so when the hard conversations came up and we wanted to do something else like, Hey, maybe we should go here this weekend. Sorry. There’s no money. And it’s not me. Telling her, because I happened to be the more money oriented person between the two of us. It’s not me having to come to her and be like, I held all the authority over you to say, no, that’s a bad decision.

No, not at all. Right. This is a, Hey, remember we agreed on this goal. Uh, we don’t have it allocated, so can’t do that. But if we want this to happen, Let’s put it in the schedule, let’s move some things around. Maybe we’ll do that next month or two months from now. What, however big that it may be. So you avoid so much and what does it do?

And just putting you on the same page with your wife to communicate. So you’re going in and you’re having better conversations because you’re focusing on something good, you know? Um, and then that way it controls how you’re

18:44 Chris Grainger
controlling your money. No doubt. I love the. That tip about giving it a, a name, a word for the year.

That’s killer. I mean, that’s, that’s great stuff. So guys, I want to take a quick break, jump back into some more tips about debt here.

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so, Adam, I think that’s, uh, about, you know, giving an, a word to the year. That’s awesome. You know, as you start thinking through debt and one thing. For the G the lions out there that are in debt. First of all, give yourself some grace. It’s okay. You will get out of this. But when Adam and I are talking about the budget, the quickest way to, to attack your debt, it, that needs to be a serious line on line item in your budget.

That’s gotta be a focus area, maybe

20:39 Adam Sheets
when there’s only ones outside of the four

20:42 Chris Grainger
main reason. That’s right. That’s right. I mean, you really have to pair that thing down. You’re you’re, you’re eating out your groceries. All that type of stuff needs to be modified. You know, you’re, you’re investing, you know, I went on a, uh, on investing podcast and talk with a friend of ours.

And my whole point of that whole conversation was, look, you guys are doing great stuff over here at, you know, teaching people how to innovate. What I’m telling you is not probably the, most of the people that are investing aren’t ready because they’re not because they’re out there on a boat. And that the analogy I made was like, bro, you’re paddling a boat.

That’s like, water’s constantly coming in. And the whole time you’re just pouring the water back out. But you, you still have the holes in the boat, right? Like you’re, you’re never going to get the water out of the boat until you plug the holes. That’s right. So let’s, let’s plug the holes of. And then, then we can sell that boat wherever we want to go.

21:40 Adam Sheets
I mean, I couldn’t agree more, uh, we overextend ourselves because I think, uh, we, I think a lot of it comes to social pressure. You know, we want to keep up with the Joneses. We want to, uh, give our kids the best experiences. We, we want to live the lifestyle that our parents have. Even though they’ve had the whole career to build up that wealth.

What we do know when we were kids, you know, they were giving us, telling us to go outside and play with sticks. Cause you know, they weren’t going to Disneyland. Right. And I think what’s made it 10 times worse is social media. I mean, we, we do a good habit of, I have a social media account. I don’t look at it.

My wife, she takes. Long sabbaticals from it. She plugs in every now and then just to kind of make sure that like, we do a lot of Facebook marketplace trying to wheel and deal type of thing. But other than that, like we pretty much try and stay out of that world because you just see people’s lives that look perfect in that’s.

Right. There’s, there’s, there’s some people that we know that we see some pictures and we’re just like, that’s not true, but

22:58 Chris Grainger
you know, and you know, When that comes up and I out when I’m coaching people and I’m talking with them about the Joneses, I remind them that don’t keep up with the Joneses because the Joneses are broke.

Right. You know, but they are that’s right. That’s right. And you’re right though, man, that’s social pressure is it’s out there as realist legit. And you know, we want to put our best images forward and we want the best for our kids and go on all these vacations and all these things. But if they do nothing, but bring stress.

To you and your marriage, you’re not helping your marriage. Right. You know, and at the end of the day, as, as lions leaning on our families, our marriage is sacred and we need to make sure that we’re building good habits and we’re teaching our kids and you know what our kids need to understand the meaning of the word know.

And too many of them don’t. Yeah. I mean, so many of them, it’s just like we’re yeah, we’re going to figure it out and we’re going to sacrifice this. No, it’s still an unacceptable

24:00 Adam Sheets
word. It really is. But Chris, I want to, I want to throw something back at you here on your, your debt free journey to getting out of debt.

How long did that take you

24:11 Chris Grainger
from, for us? It took about eight months, eight

24:14 Adam Sheets
months to get there. Now I would imagine hearing that you probably had a lot of debt tied up in assets. You could liquidate pretty good. Like maybe a lot

24:24 Chris Grainger
vehicles, sweat a lot. I was vehicles. And then I had attorney fees cause I’ve been through a divorce myself.

So there were just, there was a lot of things that was sitting there as well. Yes.

24:33 Adam Sheets
A lot of mine was consumer debt. It’s crap. I bought, put it on credit cards, you know, took out a personal loan to cover that one. Uh, it was really bad, stupid, just stupid stuff, trying to, uh, you know, change the, you know, Take money from Peter to pay Paul and change the names to protect the innocent.

I mean, that’s how I did it. So for me, um, you know, my, my getting out of debt journey was almost two and a half years. Right. I shut the world off. I didn’t go anywhere. I had moved in with family. I lived out of the basement of, uh, my, my brother, uh, I sold everything to my name, um, to the point that my son probably thought that he was next, you know, it was just one of those.

Yeah. Um, and then I had to live that way for two years. So having to say that, you know, at the same time, like I was working forever, it felt like, but it disappeared. But it’s one of those things that like, I think people just want the easy button. You know, it’s just get rid of the debt. Okay. Poof, it’s gone.

Well, some people don’t, it’s not that easy to get rid of some it’s like, Hey, let’s just sell the car and get a junker until we can get a new one, you know? But I’m saying no is so important.

25:56 Chris Grainger
Right? Learning how to say no. And then you got. You know, and you got to commit you. I mean, that was two and a half years of commitment for you then

26:03 Adam Sheets
there’s no reason any paycheck that’s for sure.

No, no.

26:07 Chris Grainger
I mean, you’re all in, right? I mean, you are, you are all in on that and, but you also have to keep in mind then go. But if we go back to our scripture, we know how God used it. That’s right. And as lions, so we got to keep in mind. So guys, we’re going to take one last, quick break and then come back and, and a few more tips on.

And give you something to think about as we wrap this up.

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All right. So Adam, we’ve talked about. How the, how the world views it, how lions should viewed it. We gave some tips around budgeting and how we, that needs to be a regular thing. You, you kind of walked us through your journey there. And, you know, as I start trying to wrap up this thing on debt, you know, we have to give ourselves some grace, you know, first of all, and understand, you know, you’re not going to fix this.

This may be a couple year journey like yours was. I do think though, we need to draw a line in the sand. And you got to ask yourself, this is how the question of, of, of the weak force here, you know, are, are you man enough? Are you lying enough to make the changes? Now that’s going to free your family from the bondage of debt in the future.

Because if you can’t say that, yes, today, I’ve got to make that change. Then you’re really kidding yourself. Well, you know,

28:20 Adam Sheets
as a line, are you willing to stand out? You know, lion’s the king of the jungle. Um, but at the same time, you know, The line within us is also talking about the line of Judah or God, God is within us.

We are to be the light on the hill. We are to be the salt of the earth. And that’s different. That is different. We are called to be in the world, not of the world. So we’re supposed to look different in debt. We shouldn’t have it. We should be different. And I think too, When you make these changes, your life will look different, but ultimately if you’re following God, you should be okay with that different because you’re supposed to be living differently to begin with.

And if people can’t tell you as a Christian, apart from someone who’s. Right then, are you really standing up? Are you, are you really going against the grain? Are you really trying to be the light on the hill? And that begs a serious question. So it’s, you know, I’m saying this as a, as a call to rise up and say, you’re going to live differently because you don’t want to be a slave to the lender.

You don’t want to live by the way that God says don’t do it this way. Um, and when people ask you, when you look weird, when you’re bringing lunch to the lunch room, if you’re even allowed to do that, if you’re going in the office anymore. But, um, I remember that, you know, mine was all pre COVID, so I’d bring my lunch pail.

And I was like, let’s go out to get lunch. Like, no, I’m good. I was the only person in there, you know, eating my peanut butter and jelly bright, you know? So you need to be. Like you said, are you willing to do something different to be different so that you can ultimately be more generous? Like I used to be able to give anything because I had to give it all the way to all people I took money from to begin with that’s right.

I can actually bless others.

30:25 Chris Grainger
Right. And that’s the great point. That was where I was getting ready to go. So glad you’ve want us there because. What could God do with you, your income, your wealth, that you’re building to help build a kingdom. If you didn’t, if you weren’t tied to so much debt. Right, right. As I may think about that, as lines as you’re out there, you know, God is funny as you get, and you prove that you’re a good steward, right?

And that’s, you’re, you’re living the weight. He wants you to live and in accordance to his will get ready to guys. Cause you’re going to be given more. And you’re going to be given more to manage and that’s, that’s going to come a more responsibility. Now, most people, a lot of people with that more comes unfortunately, more debt, you know?

So you gotta be careful there aligned correctly. What’s your values. Yeah.

31:16 Adam Sheets
And I will say one thing, um, and I know this is where you’re going, but I will say this for your listeners. That’s not prosperity gospel. We’re not talking that if you put your quarter in the God vending machine, that he’s going to give you some.

But Jesus taught in parables and he, there are parables of the Sowers where he gives different or the talents. Sorry, in it. It is true. If you are a good steward, you will be given more responsibility that came that’s in the red letter section, you know? Um, so I can bet on that, that if you prove to God that you honor him in what you do, the Lord will bless you.

Now that may come in different ways. Um, and I’ll say this, I had a, I was, I struggled a lot during that time. Um, in the two years that two and a half years that I was going through the debt process I wanted to give, and I grew up in a Christian home to where I knew tithing was important, but how do you tie when you can’t pay anything?

Um, that was, that was really rough for me. And so. What I learned is that God wants your first fruits. And, but at the same time, you need to shore up your house. And you’re just like on an airplane, you gotta put the mask on yourself before you can do something else. And I started, I came to the conclusion for me, and this might be, it might help some people out there is give God what you have.

You know, the little boy gave, uh, his two lows and fish and fed 5,000 out of it. If you don’t have. Do you have time? Do you have something else that you can give to the local church or donate, or be a part of to advance the kingdom because that will enrich you and fuel you to be able to go after this while you’re trying to get out of this, um, you know, slavery of being the borrower.

That’s right.

33:21 Chris Grainger
Great point. Great point. I love, I love it. I mean, we have talent. You can give God those talents, you know, your time, you know, sometimes God just needs your time to, to, to be, to touch someone’s heart. You never know what, how he’s going to use you, but if you don’t make yourself willing to be that vessel, you’re never going to be at that.

Get that opportunity to really be able to bless someone. So, you know, out of this debt is not a fun topic. I’m sure our listeners are. They’re sitting there thinking like this is a tough one to swallow, but guys. Take it for real, I mean, get serious about this and you’ll figure out are you man enough? Are you lying enough to really step in and, and draw that line in the sand and you know what?

You need help with that we we’re here to help you. We’re here to help you give that encouragement. So Adam, any final thoughts here before we wrap up?

34:13 Adam Sheets
Uh, Chris, I think this is awesome. I think what you’re doing is awesome and I fully support everything you’re doing and I agree. I have been able to, to walk inside of you now three plus years, and just watch how you handle yourself, handle, uh, your, your coaching, your mentorship of others, of yourself.

It’s, uh, it’s an honor to be your friend and to be this close, to see you. And so people who are listening, I would say reach out to Chris because he is, uh, he’s the real deal. And, uh, he’s, he’s going to give you the truth, uh, and maybe offensive.

34:48 Chris Grainger
Uh, yeah, I don’t, I don’t mind stepping on toes, but I will tell you this guys, I’m going to lead you with the Bible.

Okay. And we gotta figure, we gotta get a line there. And then we’re, and with the alignment with that, you know, we’ll get our, we’ll get your finances. Right. And Adam, it’s always fun to have you on brother. Uh, you know, for the lions out there that, you know, I’m going to ask you share this, do not put it in your pocket.

Cause that’s the worst thing you can do. There may be one of your buddies, right? Yeah. Who’s struggling with debt and he’s too proud to tell you, and you know what shared this store, share this message with your group, with your friends, because you may not know their story, but this may prick them. This may hit their heart and they, at that point, they may need to figure out how they can get help.

And you know what? We’re here to help. You know, we have a coaching process at the line within us go to our website, the line within dot. Check us out right there. We have the Bible study. We have all the resources, you can get links to the podcast. It’s all right there. So, and really encourage everybody to go check that out, you know, join the community, sign up with this so you can make sure you miss you.

You catch everything that the line within us is building. Right? Give us that five star rating that really helps write a one sentence review. Hey, this is awesome. That’s all you got to say that, that, that really makes a big difference out there and just guys keep. Because I know these topics are tough. We talk about wealth and debt and trying to get out of that.

You can get there and we’re here to help you. So today is a day and you can start unleashing the lion within.