Book Review: Total Money Makeover

This was another recommendation from my friends, Zack Blair. I absolutely love Dave Ramsey! The first time I heard Dave, I went through his Financial Peace University curriculum when I was 19. I was in college, working part-time, and really didn’t have the mentality to do what the program suggests. Now, five years later, I read this book at an entirely new level. I’m ready for my Total Money Makeover!

“If you live like nobody else lives now, later you’ll live like nobody else!”

This book is great for developing and confirming a belief system in your heart about money. It’s about getting money to work for you instead of you working for your money. Dave’s plan is broken down into 7 baby steps:

1.) Get a $1,000 Emergency Fund

2.) Pay off all Debt Using the Debt Snowball

3.) Get 3-6 months worth of Expenses in Savings

4.) Invest 15% of household income to Roth IRA’s and Pre-Tax Retirement

5.) College Funding for your Children

6.) Pay off your Home Early

7.) Build Wealth and Give!

One of my favorite quotes is “Discipline is remembering what you want.”  – I want to be in a great place financially and be able to give tons of money away in my lifetime! This will only come through believing God and being a wise steward of the increase He brings into my life. This book is a must read and a must implement! I hope you’ll read it, become a fan of Dave, and have your life changed through your own Total Money Makeover!

Final Grade: 9.5 out of 10

Book Review: The Purpose Driven Life

So I finally jumped on board and read one of the best selling books of all time! Over the past year, I’ve become a huge Rick Warren fan. After hearing him at Catalyst West Coast last year, I became convinced I needed to get all the wisdom I could from this guy!

You are as close to God as you choose to be. – Rick Warren

You’ll never know that God is all you need until God is all you’ve got.

So I picked up The Purpose Driven Life. This is a great book. If I had to call it another name, I’d call it Christianity 101. This is a great book for new believers who want to grow in their relationship with God. It’s also a great book for mature believers because it brings us back to the simplicity of living for God and helps us remember what’s important. It’s a great 40-day journey to go through – I’d recommend it!

Final Grade – 8.5 out of 10

My Highlights:

• Unless you assume a God, the question of life’s purpose is meaningless

• God is not just the starting point of your life; he is the source of it.

• I don’t know all the keys to success, but one key to failure is to try to please everyone.

• The greatest tragedy is not death, but life without purpose.

• Never confuse activity with productivity.

• A very important test is how you act when you can’t feel God’s presence in your life.

• If you have ever said, “I didn’t get anything out of worship today,” you worshiped for the wrong reason. Worship isn’t for you.

• You are as close to God as you choose to be.

• You don’t bring glory to God by trying to be someone he never intended you to be. God wants you to be yourself.

• If God never did anything else for you, he would still deserve your continual praise for the rest of your life because of what Jesus did for you on the cross.

• THE BEST USE OF LIFE IS LOVE

• Why should God give you another day if you’re going to waste it?

• The importance of things can be measured by how much time we are willing to invest in them.

• the best way to spell love is “T–I–M–E.”

• it is easy to fool ourselves into thinking we are mature if there is no one to challenge us. Real maturity shows up in relationships.

• Humility is not thinking less of yourself; it is thinking of yourself less. Humility is thinking more of others. Humble people are so focused on serving others, they don’t think of themselves.

• Nothing shapes your life more than the commitments you choose to make.

• You’ll never know that God is all you need until God is all you’ve got.

You Should be like Shaun White

¹⁰ God has given each of you a gift from his great variety of spiritual gifts. Use them well to serve one another. ¹¹ Do you have the gift of speaking? Then speak as though God himself were speaking through you. Do you have the gift of helping others? Do it with all the strength and energy that God supplies. Then everything you do will bring glory to God through Jesus Christ.    I Peter 4:10-11

Watching the Olympics has been awesome. Nothing has impressed me more than watching Shaun White on the Half Pipe! He is amazing!

I started thinking though… why is it so awesome to watch him? Because he found out what his gift was, dedicated himself to it, and now he gives his gift to the world to enjoy.

Sadly, while Shaun White gives his gift away for the world to enjoy, too many of us sit at home watcing people do remarkable things, and never entertain the thought that we could give something remarkable to the world.

Here is a truth: YOU have something remarkable to offer the world. I don’t know what it is, but the people around you do. Ask people what your good at, discover the gifts that God has placed in you, dedicate yourself to developing those gifts, and then give something remarkable to the rest of the world.

The world will recognize when they see something remarkable – make sure when they see the remarkable in you- you  use it as an opportunity to point people to God, because the reality is, without the gifts and gracings He’s put in our lives, we would never be anything near remarkable.

Don’t neglect what God’s put in you. Be remarkable. Give Your Gift Away for the World to Enjoy.

Porn

But I tell you that anyone who looks at a woman lustfully has already committed adultery with her in his heart. – Matthew 5:28

Every second – $3,075.64 is being spent on pornography, Every second – 28,258 Internet users are viewing pornography, Every 39 minutes: a new pornographic video is being created in the United States?.

I’ve never met anyone who is addicted to porn who is actually proud of it. Everyone I meet is hurting, has caused pain to people around them, and longing for a way out. It’s the easiest thing to hide, but one of the hardest things to come clean to somebody about. The shame can be almost unbearable. So how can you get free?

1.) Repent and Pursue God - In James it says, if you draw near to God, He’ll draw near to you. Though you’ll feel so distant from God it’s not even funny, if you’ll pursue Him, His desires will start becoming your desires, and porn will become less and less of a temptation.

2.) Recognize You’re Not Alone - There are millions of people struggling with the exact same thing you are and feeling the exact same way you are. You’re not alone.

3.) Humble Yourself and Tell Somebody that Loves you Unconditionally – This is the hardest step. Find somebody you know will love you regardless, and will walk you through the journey to freedom.

4.) Get Accountability - The video above is promoting 2 programs: X3Watch and Safe Eyes - both are accountability software that will block sites you shouldn’t be going to, and send any questionable sites you do visit to two accountability partners of your choice.

5.) Control Your Thoughts - You can control your thoughts – that is a fact. Philippians says to think on Good things only! What you put in your heart through what you watch and listen to, will fill your thought life. If you’ve been watching porn for a while, you’re probably filled with bad thoughts. Focus on putting positive deposits into your heart (go to church, listen to sermons, read great articles). Garbage in, Garbage Out. Purity in, Purity out!

Another Great Resource is XXX Church which is headed up by Craig Gross – you’ll find tons of great videos and articles to help you.

I hope this helps you – if you’re in need of someone to talk to – Send me a message on Facebook – I’d love to talk to you.

Tiger Woods and Accountability . . . Who Can Tell You No?

¹⁷ As iron sharpens iron, so one man sharpens another. -Proverbs 27:17

This is not a post bashing Tiger Woods. If you got all the money and influence he received at such a young age, there’s no telling what you’d of done with it. My prayer is that God will bring people into his life to love on him and lift him, and he’ll  come back and use his influence for the Kingdom of God. However, I do believe if Tiger had people in his life that could tell him no that he’d listen to, he wouldn’t be in the position he is in today.

I once heard a pastor tell of a time when he got to counsel Deon Sanders. The pastor said, “Deon, all your life, you’ve been able to have anything you want, when you want it. My question to you is, Who can tell you no that you’ll actually listen to?”

Anybody who has ever struggled with lust, sex, affairs, or pornography knows how tough of a battle it can be. Nobody plans on having an affair, becoming addicted to porn, being publically humilated, and having to apologize to the entire world.

However, these are just outcomes of untamed thought lives. The truth is, if people who struggle with these things would have had people in their lives that could tell them no, and keep them accountable, they could have missed out on a world of hurt.

I encourage you to find someone in your life who you can be honest with and share your heart with. Make sure it’s someone who will have the courage to tell you NO.

Have them ask you these questions:

1.) Have you been thinking about anything you shouldn’t be thinking about?

2.) Have you been looking at anything you shouldn’t be looking at?

3.) Have you been going anywhere you shouldn’t be going?

4.) Have you been hanging out with anyone you shouldn’t be hanging out with?

5.) Have you been doing anything you shouldn’t be doing?

Who in your world can tell you no? You better find them and listen to them – they can save you from a world of pain.

Pay It Forward – Change the World

Dear children, let’s not merely say that we love each other; let us show the truth by our actions -I John 3:18

The “Pay it Forward” principle comes from the movie, “Pay it Forward” If you haven’t seen this movie, you need to. The whole concept is this: Help three people in a really big way, do something for them that they can’t do for themselves. In return, ask them to “pay it forward” and do the same thing for three people in their lives.

Ask God to put three people on your heart, something to do to help each of them, and then do it.

Think about that. Have you ever done something for someone that they couldn’t pay you back for? It’s the most rewarding thing in life!

I would encourage you to put this principle into practice -> Ask God to put three people on your heart, something to do to help each of them, and then do it.

When they want to pay you -> just say, “No thanks, just know that God loves and cares about you very much. If you’d like to pay me back, do something for three people in your life that they can’t pay you back for!”

If we’ll put this into practice, and once we’re done with our three people, find three more, we really will change the world one person at a time.

The Atheist Engineer

But God hath chosen the foolish things of the world to confound the wise; and God hath chosen the weak things of the world to confound the things which are mighty I Corinthians 1:27

The fool says in his heart, “There is no God.” -Psalm 14:1

I used to work at a Bank. I got to interact with hundreds of people everyday and I got to know our regular customers pretty well. One of my favorite customers was an engineer who would always come in chomping a cigar. By the world’s standards, this guy was successful. He was smart and had a ton of money!

Every time he came in, he would share with me “Keys to Success in Life”. We would have some good conversations, until I left for Africa for two weeks. When I came back and saw him again, I greeted him, and he responded, “O the moron’s back from serving God! I’m disappointed in you, I thought you were smarter than that, Doug (My real name).”

(I thought this Picture Was Pretty Funny, I obviously Don’t Believe Atheists Threaten Christians)

From that day on, everyday he would come in, it would be to harass me for my beliefs. He never tried to disprove God, but just tried to make me feel like an idiot for believing in Him. People at the bank  would actually apologize to me for him when he would leave!

I’ve Lived Without God, and Lived for God – There is no Comparison

My response for a while was to just ignore his attacks,  try to have a normal conversation, and love on him as much as I could. He kept this up and so one day I asked him an honest question . . . “Can I ask you a question?” “Yes” he responded. “Do you enjoy your life? Do you have a great family life? You have vacation houses and all the money someone could want… Are you happy?”

“No, my life sucks, I hate it.” He said.

He didn’t have to say much after that. I think he got the point . . . after that moment he started asking me questions about God. He actually invited me to his house for coffee with him and his wife to talk about God. After that we had great conversations and I know that I had the privilege of planting seeds in his heart and I pray that others will water it, and God will take care of the rest.

Whats my point? I’m not saying that every atheist on the planet hates their lives, but I can tell you that they are missing out on the life Jesus provided for them through the cross, and if they’d look deep in their hearts, I promise you that they know there is something more to life than the life they’ve been living.

Philemon 1:6 says, “I pray that everyone who meets you find out how wonderful it is to live in Christ.” That’s something I pray everyday.” Most people are turned off by Christians – Why? Because they know some! They think, if being a Christian is like being like Aunt Mildred, Forget it! When people who don’t live for God see our lives, they should literally be thinking, they have something I don’t and I want it!

If there are people you know that don’t believe in God – don’t condemn them, love them. Love always wins and never fails. Don’t try to prove to them God exists – show them God exists by living your life for God. When a door opens to share Jesus with them do it! I promise you that one day – they’ll come back and thank you for it!

Things I Need to Remind Myself of Everday

“Discipline is Remembering What You Want”

There are so many lessons in life that are timeless and that we need to be reminded of on a continual basis. These are some of the lessons I try to think on daily to keep my life in order, focused, and going somewhere:

• My Life isn’t My Own, it’s God’s, I surrender what I want my day to look like for what He wants it to look like.

• God is My Source

• Spending Time with God is the Most Important Thing I do

• I can’t Make Up Tomorrow what I fail to Pay For Today

• Success is a Journey, Not a Destination

• Because of God – I’m always in the right place at the right time, meeting the right people!

• God thinks I can Do Anything so I’m going to Dream as Big as I can!

• Pay Now, Play Later, or Play Now, and Pay Later

• Interruptions can be Divine Appointments
• 
• I can Change the World One Person at a Time

• If I don’t take control of my schedule, someone else will.

• Everybody I meet is Going Through Something and Needs Encouragement

• Financially – if I live like no one else lives now, later, I’ll live like no one else lives.

• Success is when those closest to me, respect me the most -> Connect with Family

• If I don’t Workout and Eat right – I’m going to get Fat

• Look for ways to create memories that you’ll never forget!

• Connect with 5 people you haven’t talked to in a week -> Send a text, facebook, etc.

• Life is Short ->ENJOY THE JOURNEY – HAVE FUN

What are some things you remind yourself  of daily to make sure your life is going in the right direction?

The Rule of 5

²He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes^[a] so that it will be even more fruitful.                                                                         -John 15:2

I want to have a life that counts for God, so I’m always looking for ways to become more productive with my time. I recently listened to a John Maxwell leadership lesson on how to get more done in less time. He spoke about the rule of 5. The rule of 5 is taking an area of your life and doing 3-5 things daily to improve that area. He related it to cutting down a large tree, if you’ll take 5 swings a day at the tree with an axe, eventually it will come down.

It is the same way with our goals in life – the rule of 5 is picking an area of your life and saying, “Ok, what are 3-5 things I can do on a daily basis that will allow me to make progress toward my desired outcome?”

John used the example of writing books. He said because one of the most important things he does is write books – his rule of five for writing are:

Everyday I read, Everyday I Think, Everyday I write, Everyday I file, Everyday I ask Questions.

Since one day, I want to write books, I’ve adopted these into my daily routine. I have a rule of  5 for my walk with God, my relationships, networking, work, every area of my life. I know that if I can do 3-5 things everyday in the area of my priorities, I’m going to make a lot of progress over the course of a week, a month, a year, etc..

It’s said that if you’ll spend 15 minutes a day studying a subject, after 5 years, you’ll be an expert in that area. Little things really do add up. I encourage you to take all of the major areas of your life and make your “Rule of 5″ in each area. Everyday do those 3-5 things and watch as over time, your results start to compound.

Everything I do is Pointless, I want to do Something with Purpose

Ever feel like this? I know I have. When I was 18 I started interning at my church. It was an unpaid internship and I had no  idea what to expect out of the behind the scenes work at a church. For almost a year the biggest responsibility I had was washing pitchers of water and organizing bins for youth group. That’s what everyone dreams of when they think of working at a church, right?

“God is more concerned about developing your potential than you are!”

I would sit in meetings and hear my mentor delegate “significant” tasks to the rest of the team only to end with looking at me and saying, “Bubs, organize the bins and wash the pitchers.” After two months of that, I had enough. So when my mentor left for his 8 week sabbatical, I e-mailed him telling him I quit. I didn’t sign up to work for free and wash pitchers.

He got me in contact with another mentor and had him talk to me. He said, “Bubs, have you prayed about this?” Of course I hadn’t. He said, “Give God a chance to speak to your heart, if you come back and still don’t want to, then quit.” God had one chance – if he didn’t speak to me in my devotions, it was over. I opened to Isaiah 49:3.4:

³ He said to me, “You are my servant, Israel, and you will bring me glory.” ⁴ I replied, “But my work seems so useless! I have spent my strength for nothing and to no purpose.Yet I leave it all in the Lord’s hand;I will trust God for my reward.”

This verse changed my life forever. I felt like my work was useless, done for nothing, and for no purpose. YET…I leave it in God’s hands – I trust Him for my reward.  I developed this mentality and decided to stick with the internship.

One Thing Leads to Another

For an entire year, I set up bins faithfully every week. At the end of the year, I got asked to give my first offering. I started getting more responsibility. I interned a second year and at the end of my second year, I got asked to speak for the first time ever. Which led to more speaking engagements, more responsibility, and eventually 4 years after I interned, I got hired on staff at my church.

What Would Have Happened if I Would Have Quit Because I thought Everything I did was Pointless?

I wouldn’t be writing this, I wouldn’t be on staff, I probably wouldn’t be living for God. My Conclusion? God has you where you are for a reason, for your development, and if you’ll learn to trust Him for your reward instead of people, in His timing, He will promote you and allow you to do great things for Him, but first, you have to be faithful in the things that seem absolutely worthless.

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