1 00:00:00,000 --> 00:00:07,560 Hey guys, how's it going? 2 00:00:07,560 --> 00:00:09,720 Welcome to this episode of Technically Short. 3 00:00:09,720 --> 00:00:15,280 And in this episode, I got to sit down with my friend Ed Newell and we talk about something 4 00:00:15,280 --> 00:00:16,280 a little fun. 5 00:00:16,280 --> 00:00:17,760 We talk about finances. 6 00:00:17,760 --> 00:00:19,320 I get it. 7 00:00:19,320 --> 00:00:21,120 Sounds boring, but guess what? 8 00:00:21,120 --> 00:00:22,120 It's not. 9 00:00:22,120 --> 00:00:25,480 We sat down and we talked about how it applies to your calling. 10 00:00:25,480 --> 00:00:31,000 We thought and talk about the importance of budgeting and how we prioritize what to budget 11 00:00:31,000 --> 00:00:32,000 for. 12 00:00:32,000 --> 00:00:35,240 And then towards the end of the episode, we actually get to talk about a little bit of 13 00:00:35,240 --> 00:00:37,440 a personal things as well. 14 00:00:37,440 --> 00:00:39,160 So guys get your notebooks out. 15 00:00:39,160 --> 00:00:42,200 This is important thing to understand and know. 16 00:00:42,200 --> 00:00:44,400 And one more thing real quick. 17 00:00:44,400 --> 00:00:45,800 You might want to keep your eye out. 18 00:00:45,800 --> 00:00:49,480 It's not ready yet, but we're going to have merch again. 19 00:00:49,480 --> 00:00:51,240 Working on setting up an online store. 20 00:00:51,240 --> 00:00:52,240 So keep your eye out. 21 00:00:52,240 --> 00:00:53,240 All right. 22 00:00:53,240 --> 00:00:56,800 See you in there. 23 00:00:56,800 --> 00:00:57,800 All right. 24 00:00:57,800 --> 00:00:58,800 Wow, that was loud. 25 00:00:58,800 --> 00:01:01,200 Hey guys, how's it going? 26 00:01:01,200 --> 00:01:07,800 So in this episode, I got a special guest. 27 00:01:07,800 --> 00:01:15,720 I mean, we say that for every single guest, but this guy, he's a great friend. 28 00:01:15,720 --> 00:01:21,400 He's a mentor of mine spiritually, financially and in life. 29 00:01:21,400 --> 00:01:27,080 He's the head pastor of amplify church, a husband to his wife, Katie, a father to his 30 00:01:27,080 --> 00:01:32,400 great kids, Harrison and Piper and the father of technically short ed new. 31 00:01:32,400 --> 00:01:35,200 How's it going? 32 00:01:35,200 --> 00:01:40,080 Calling me the father of technically short is really, really weird. 33 00:01:40,080 --> 00:01:48,400 I don't even know the nickname, but yes, I guess I helped to spark the podcast. 34 00:01:48,400 --> 00:01:50,640 That is true. 35 00:01:50,640 --> 00:01:57,760 So I just thought of that because the only reason I thought of that was because of you. 36 00:01:57,760 --> 00:02:03,600 I've said this multiple times where I told people that this podcast was your idea. 37 00:02:03,600 --> 00:02:07,520 I think you said it on the first, maybe the first five episodes. 38 00:02:07,520 --> 00:02:08,520 I think you slipped it in. 39 00:02:08,520 --> 00:02:12,920 Hey, thanks Ed, Noel for recommending me do this podcast. 40 00:02:12,920 --> 00:02:15,720 I feel like it was in every episode. 41 00:02:15,720 --> 00:02:24,080 But with that little intro though, for those who don't know you, who is that? 42 00:02:24,080 --> 00:02:29,400 Yeah, I mean, that was a really nice little introduction you just gave. 43 00:02:29,400 --> 00:02:30,400 I don't know. 44 00:02:30,400 --> 00:02:34,680 I feel like I'm just a guy. 45 00:02:34,680 --> 00:02:38,960 I don't mean that as like fake humility or anything. 46 00:02:38,960 --> 00:02:41,560 I just feel like I'm a guy trying to follow Jesus. 47 00:02:41,560 --> 00:02:43,640 I am a pastor. 48 00:02:43,640 --> 00:02:48,480 That's my full-time job, so I am in ministry by vocation. 49 00:02:48,480 --> 00:02:55,400 But honestly, I really think that's just what I choose to do right now and where I feel 50 00:02:55,400 --> 00:02:57,200 like God has me right now. 51 00:02:57,200 --> 00:03:00,520 I don't necessarily know that even that might is my forever thing. 52 00:03:00,520 --> 00:03:05,840 I know my forever thing is definitely to be a husband to Katie and a father to Harrison 53 00:03:05,840 --> 00:03:06,840 and Piper. 54 00:03:06,840 --> 00:03:09,480 Love those two kids. 55 00:03:09,480 --> 00:03:12,040 My daughter is full-time special needs. 56 00:03:12,040 --> 00:03:18,640 So there's some things about that that bring a uniqueness to our life. 57 00:03:18,640 --> 00:03:21,280 But I really like technology. 58 00:03:21,280 --> 00:03:27,800 I really like exploring new tech things. 59 00:03:27,800 --> 00:03:30,840 I'm definitely an Apple fanboy. 60 00:03:30,840 --> 00:03:33,800 I'm a Tesla fanboy. 61 00:03:33,800 --> 00:03:37,720 So I have those quirks about me as well. 62 00:03:37,720 --> 00:03:44,520 Yeah, you walked up here into the studio and you were like, wow. 63 00:03:44,520 --> 00:03:50,040 I am on site and the technically short podcast studio set up. 64 00:03:50,040 --> 00:03:52,560 Whatever you want to call it. 65 00:03:52,560 --> 00:03:54,000 I'm very impressed. 66 00:03:54,000 --> 00:04:01,560 It is a quality production setup you got going on here. 67 00:04:01,560 --> 00:04:02,560 I appreciate that. 68 00:04:02,560 --> 00:04:04,560 I was like, oh, you were saying all that. 69 00:04:04,560 --> 00:04:11,280 I was kind of just standing around awkwardly because this is just what I'm used to. 70 00:04:11,280 --> 00:04:14,720 Other people come up, they're like, oh, wow, you have a lot of stuff. 71 00:04:14,720 --> 00:04:17,560 A lot of tech and a lot of screens. 72 00:04:17,560 --> 00:04:24,200 I also just appreciate your whole vibe here because I'm married now. 73 00:04:24,200 --> 00:04:26,080 Obviously, I love this season of my life. 74 00:04:26,080 --> 00:04:31,760 I got a house and got a wife, got two kids and I live on a cul-de-sac. 75 00:04:31,760 --> 00:04:34,960 I got this little American dream thing going on. 76 00:04:34,960 --> 00:04:40,440 But I look back very fondly on my season of singleness with no kids and living in an 77 00:04:40,440 --> 00:04:44,040 apartment, one room, all my stuff in one room. 78 00:04:44,040 --> 00:04:47,520 I look back very fondly on that season of my life because it was extremely formative 79 00:04:47,520 --> 00:04:50,920 for me in a lot of ways. 80 00:04:50,920 --> 00:05:00,080 Honestly walking into here is a little bit like that because it just reminds me of a 81 00:05:00,080 --> 00:05:01,080 former season. 82 00:05:01,080 --> 00:05:09,840 I guess even for you in this season, I'm sure you have goals for your life in every way. 83 00:05:09,840 --> 00:05:15,480 But to be thankful for the season you're in because there's something about living in 84 00:05:15,480 --> 00:05:19,120 this little one bedroom thing and your whole life is right here. 85 00:05:19,120 --> 00:05:23,320 There's something valuable to that. 86 00:05:23,320 --> 00:05:25,080 There's control over your life. 87 00:05:25,080 --> 00:05:26,080 There's peace. 88 00:05:26,080 --> 00:05:27,080 There's quiet. 89 00:05:27,080 --> 00:05:31,680 I don't have a lot of that anymore as a dad of two. 90 00:05:31,680 --> 00:05:38,800 So value the things that you got going on right now because one day you won't have that. 91 00:05:38,800 --> 00:05:46,680 You'll value what you have in the future but you might miss some things about this. 92 00:05:46,680 --> 00:05:55,840 I remember, this is way off topic, but I remember whenever I was, I've talked about this on 93 00:05:55,840 --> 00:06:01,680 the podcast before, I think, whenever I left college, at that point I was living with a 94 00:06:01,680 --> 00:06:06,400 girlfriend a few months after college. 95 00:06:06,400 --> 00:06:12,360 I remember thinking, I'm never going to have a place to myself if this keeps going. 96 00:06:12,360 --> 00:06:15,080 That's not why it ended. 97 00:06:15,080 --> 00:06:17,720 It ended for many different reasons. 98 00:06:17,720 --> 00:06:20,520 I just remember thinking that. 99 00:06:20,520 --> 00:06:28,360 Now I'm like, I've lived by myself for multiple years by myself and with roommates and got 100 00:06:28,360 --> 00:06:31,640 those experiences. 101 00:06:31,640 --> 00:06:37,520 I am thankful for them because now I'm in a position in my life where I'm like, man, 102 00:06:37,520 --> 00:06:44,640 I love having roommates now because I'm having the stay at home job. 103 00:06:44,640 --> 00:06:49,680 I like having roommates or a roommate right now and who has people over and I'm inviting 104 00:06:49,680 --> 00:06:52,080 people and I invite people over. 105 00:06:52,080 --> 00:06:58,560 Otherwise, I don't see people too often and I talk to people every now and then through 106 00:06:58,560 --> 00:07:02,720 teams but that's pretty much it. 107 00:07:02,720 --> 00:07:07,040 Then also besides the Wednesday and Sunday thing, but let's get back into the actual 108 00:07:07,040 --> 00:07:12,040 episode. 109 00:07:12,040 --> 00:07:16,360 We mentioned earlier, we mentioned this podcast was generally your idea. 110 00:07:16,360 --> 00:07:21,520 You remember that conversation, why did you bring it up? 111 00:07:21,520 --> 00:07:24,040 Why did you think this was a good idea? 112 00:07:24,040 --> 00:07:30,480 You obviously, for long time listeners, they know that you had a cohost for the start of 113 00:07:30,480 --> 00:07:41,040 this and is also within the name of this episode of Sean, our mutual quaint, Sean Short. 114 00:07:41,040 --> 00:07:44,720 You and Sean lived together for a period of time and I knew both of you very well. 115 00:07:44,720 --> 00:07:51,200 I remember having discussions with you guys every week about getting updates from both 116 00:07:51,200 --> 00:07:58,040 of your perspective about a conversation that happened at your home that I found very hilarious 117 00:07:58,040 --> 00:08:02,080 because both of you are in very different seasons of your life. 118 00:08:02,080 --> 00:08:08,440 Both of you have very different world views and just you bring different things to the 119 00:08:08,440 --> 00:08:15,240 conversation and it could be the most mundane dialogue and the most mundane topic but listening 120 00:08:15,240 --> 00:08:19,040 to you guys recount it was very hilarious to me. 121 00:08:19,040 --> 00:08:26,440 My original ideation for the podcast was actually more of a humor based podcast. 122 00:08:26,440 --> 00:08:32,140 I wanted to be a fly on the wall to your conversations and obviously you've taken it so much further 123 00:08:32,140 --> 00:08:34,080 than even I did. 124 00:08:34,080 --> 00:08:41,480 I think it's generous to call me the father but I really had no vision for where you've 125 00:08:41,480 --> 00:08:48,080 taken it and so I think kudos to you and Sean for how you spun this to be something that's 126 00:08:48,080 --> 00:08:49,880 really inspirational to a lot of people. 127 00:08:49,880 --> 00:08:51,320 I appreciate that. 128 00:08:51,320 --> 00:08:56,680 I think maybe a better way to be called you the planter is you're planted the seed. 129 00:08:56,680 --> 00:08:58,480 Yeah, I like that. 130 00:08:58,480 --> 00:09:02,960 Because there was time before I was like, I want to start a podcast. 131 00:09:02,960 --> 00:09:06,400 I thought about it before he brought it up and I never thought about doing it with Sean. 132 00:09:06,400 --> 00:09:07,400 I was like, huh. 133 00:09:07,400 --> 00:09:12,160 I brought that up to him a few weeks later after you said it or maybe that same day. 134 00:09:12,160 --> 00:09:13,160 I don't remember. 135 00:09:13,160 --> 00:09:14,160 He was like, yeah, let's do it. 136 00:09:14,160 --> 00:09:17,360 I was like, well, and then it took us a few months after that. 137 00:09:17,360 --> 00:09:19,360 He was like, well, let me wait. 138 00:09:19,360 --> 00:09:25,520 Let's get into the right spot and then eventually we were just like, let's just do it. 139 00:09:25,520 --> 00:09:29,320 Because we would joke a lot about it. 140 00:09:29,320 --> 00:09:40,600 We would have a 30 minute conversation one day arguing back and forth. 141 00:09:40,600 --> 00:09:42,600 What was it? 142 00:09:42,600 --> 00:09:45,800 It was about something so dumb. 143 00:09:45,800 --> 00:09:49,880 The one that comes to mind for me that I think might have also made an appearance in episode 144 00:09:49,880 --> 00:09:57,080 one was does a air mattress compare to a regular mattress? 145 00:09:57,080 --> 00:10:00,120 It was just the dumbest conversation. 146 00:10:00,120 --> 00:10:05,120 But maybe again, listening to you guys talk about that takes me back to this time in my 147 00:10:05,120 --> 00:10:11,640 life where I sat around in my young 20s having stupid conversations with my friends. 148 00:10:11,640 --> 00:10:13,360 That's what I really particularly enjoyed. 149 00:10:13,360 --> 00:10:21,320 But again, where you've taken it is extremely profound and far better than I could have 150 00:10:21,320 --> 00:10:22,320 ever imagined. 151 00:10:22,320 --> 00:10:27,760 It would be cool at some point to have a comedy based podcast where it's just pure satire 152 00:10:27,760 --> 00:10:28,760 the whole time. 153 00:10:28,760 --> 00:10:32,720 Maybe not satire, I don't know. 154 00:10:32,720 --> 00:10:35,520 But I like the, that's my humor though. 155 00:10:35,520 --> 00:10:40,760 But with Sean, it would just be whatever it would be. 156 00:10:40,760 --> 00:10:48,120 But one day, he should be possibly available at some point in the near future. 157 00:10:48,120 --> 00:10:51,360 I'm not sure yet. 158 00:10:51,360 --> 00:10:52,360 Come back Sean. 159 00:10:52,360 --> 00:10:53,360 Yeah. 160 00:10:53,360 --> 00:10:55,600 We miss you buddy. 161 00:10:55,600 --> 00:11:00,600 It might already be in the title of this episode with along with your name, there's probably 162 00:11:00,600 --> 00:11:05,600 something that says along with the word of finances in the title. 163 00:11:05,600 --> 00:11:12,960 But you're definitely somebody that I've talked to you about financial discipline and financial 164 00:11:12,960 --> 00:11:17,120 issues I've had in the past before. 165 00:11:17,120 --> 00:11:21,760 And I even said in the intro that you're like a person I consider a mentor in the financial 166 00:11:21,760 --> 00:11:24,280 space, at least in my life. 167 00:11:24,280 --> 00:11:32,360 And there's like the, this podcast in particular is a provide people with tools to pursue their 168 00:11:32,360 --> 00:11:33,360 calling. 169 00:11:33,360 --> 00:11:39,680 And I was just curious what you would have to say about how your finances play into that. 170 00:11:39,680 --> 00:11:40,680 Yeah. 171 00:11:40,680 --> 00:11:45,420 I mean, I think, I think finances are huge and people don't like to talk about money. 172 00:11:45,420 --> 00:11:49,080 We don't like to think about it a whole lot to be honest with you. 173 00:11:49,080 --> 00:11:50,600 But the whole world wants to talk about money. 174 00:11:50,600 --> 00:11:55,760 The whole world wants you to spend your money in various ways, buy their product, to invest 175 00:11:55,760 --> 00:11:58,400 in XYZ. 176 00:11:58,400 --> 00:12:03,040 And the world is not afraid to tell you how to spend your money. 177 00:12:03,040 --> 00:12:08,760 And most of the time, I think people do a poor job of, I don't know, even just managing 178 00:12:08,760 --> 00:12:11,320 their own finances. 179 00:12:11,320 --> 00:12:15,480 And typically their bank account at the end of the month will tell them where their money 180 00:12:15,480 --> 00:12:16,880 went. 181 00:12:16,880 --> 00:12:21,560 Where I think every single person should have a very different approach, a complete 180 182 00:12:21,560 --> 00:12:26,560 approach to be honest, you should be telling your money where it's going. 183 00:12:26,560 --> 00:12:32,760 And the only way I know to do that is to know when money is coming in and where your money 184 00:12:32,760 --> 00:12:34,800 is going to be going out. 185 00:12:34,800 --> 00:12:37,260 And you have to be extremely diligent to manage that. 186 00:12:37,260 --> 00:12:38,520 No one likes doing that. 187 00:12:38,520 --> 00:12:44,680 Like I don't know that, well actually, I do kind of like budgeting. 188 00:12:44,680 --> 00:12:46,280 I'm a little weird of a weird guy. 189 00:12:46,280 --> 00:12:50,200 And I do think there are some people that might like the concept of budgeting. 190 00:12:50,200 --> 00:12:52,280 But a lot of people don't. 191 00:12:52,280 --> 00:12:57,400 And you have, even at work, turning in receipts and managing expenses, it's like, oh, that's 192 00:12:57,400 --> 00:12:58,400 something I have to do at work. 193 00:12:58,400 --> 00:13:00,540 It's like, no, actually you should be doing that at home too. 194 00:13:00,540 --> 00:13:05,240 Because you should be managing every single dollar that is under your name. 195 00:13:05,240 --> 00:13:12,240 And the truth is, you can Google this, but every time there's like a study done, it's 196 00:13:12,240 --> 00:13:17,640 like money comes up as the number one stressor in people's lives all the time. 197 00:13:17,640 --> 00:13:19,440 It is always the number one thing. 198 00:13:19,440 --> 00:13:25,320 I think it's something over 70% of Americans believe that money is their number one stressor 199 00:13:25,320 --> 00:13:26,920 in their life. 200 00:13:26,920 --> 00:13:31,840 So it's extremely common that this is a major stress factor for your life. 201 00:13:31,840 --> 00:13:34,880 And so if you are going to manage your life well, if you're going to pursue your calling, 202 00:13:34,880 --> 00:13:41,440 if you're going to chase anything that is worthwhile in this life, why not become successful 203 00:13:41,440 --> 00:13:47,560 at managing something that could easily take you out, easily disrupt everything, easily 204 00:13:47,560 --> 00:13:49,360 run you off course. 205 00:13:49,360 --> 00:13:53,200 Because if you don't have your finances under control, it is really going to inhibit your 206 00:13:53,200 --> 00:13:58,560 ability to pursue the things that you need to pursue. 207 00:13:58,560 --> 00:14:06,520 And if it is going to be the number one stress indicator for over 70% of Americans, then 208 00:14:06,520 --> 00:14:11,600 I think it just, it continually proves in and of itself that, man, if you could be in 209 00:14:11,600 --> 00:14:16,320 that 30% where it's not a stress indicator, like it's not a stressor in your life, I feel 210 00:14:16,320 --> 00:14:21,920 like you just got a jumpstart over 70% of the population that you're interacting with 211 00:14:21,920 --> 00:14:23,100 on an everyday. 212 00:14:23,100 --> 00:14:26,940 Because you don't have this one thing hanging over your head. 213 00:14:26,940 --> 00:14:31,600 But it's going to, man, it's going to give you the ability to chase after your goals. 214 00:14:31,600 --> 00:14:34,760 It's going to give you freedom to pursue the things you want to do. 215 00:14:34,760 --> 00:14:39,520 It's going to give you the ability to pursue your relationships in a healthy way because 216 00:14:39,520 --> 00:14:43,600 you're not concerned about the money side of things. 217 00:14:43,600 --> 00:14:48,440 Man, if it is a stressor, it's going to improve your mental health because you're not going 218 00:14:48,440 --> 00:14:52,520 to be having this thing just nagging your mind all the time. 219 00:14:52,520 --> 00:14:59,400 So yeah, I think it is a foundational aspect of everybody's life that needs to be managed 220 00:14:59,400 --> 00:15:00,400 well. 221 00:15:00,400 --> 00:15:02,760 And so it's not necessarily just your calling. 222 00:15:02,760 --> 00:15:07,280 Your entire life is kind of built on your ability to manage your finances well. 223 00:15:07,280 --> 00:15:12,640 And so if you have any dreams, any aspirations, this is just an aspect of it that you need 224 00:15:12,640 --> 00:15:14,680 to have good control over. 225 00:15:14,680 --> 00:15:17,080 Thank you for pointing that out. 226 00:15:17,080 --> 00:15:23,800 It's like you pointed out, it's not just for the calling, that's not the only reason to 227 00:15:23,800 --> 00:15:25,800 manage your finances. 228 00:15:25,800 --> 00:15:30,320 And that was, I don't think that was the purpose of the question, but that you pointed out, 229 00:15:30,320 --> 00:15:36,520 the bigger picture of managing your finances is getting your life in order. 230 00:15:36,520 --> 00:15:38,000 Yeah, it is. 231 00:15:38,000 --> 00:15:42,560 And once you take that step towards your calling, there are just super practical things that 232 00:15:42,560 --> 00:15:45,480 you will need money for. 233 00:15:45,480 --> 00:15:51,120 Like anybody can, for free, find leadership podcasts like this, read leadership books, 234 00:15:51,120 --> 00:15:53,080 we'll talk about those later. 235 00:15:53,080 --> 00:15:56,040 But even buying a book costs money, right? 236 00:15:56,040 --> 00:15:59,640 If you want to pursue formal education for whatever your calling is, there's going to 237 00:15:59,640 --> 00:16:02,040 be money required for that. 238 00:16:02,040 --> 00:16:06,440 There's certain tools that are necessary to support your calling. 239 00:16:06,440 --> 00:16:08,440 I know how much you believe in this podcast. 240 00:16:08,440 --> 00:16:13,560 I know what you said a few episodes ago, you won a thousand subscribers. 241 00:16:13,560 --> 00:16:18,680 And so investing in the microphone I'm speaking into right now is an investment you made into 242 00:16:18,680 --> 00:16:19,680 this, right? 243 00:16:19,680 --> 00:16:21,280 That required resource, that required money. 244 00:16:21,280 --> 00:16:27,660 So there's just some practicality to it, but it's bigger than even the practicality. 245 00:16:27,660 --> 00:16:34,880 It's really stabilizing this massive area of your life so that it does not consume your 246 00:16:34,880 --> 00:16:39,560 mind in a negative way and really take you out before you even have the ability to chase 247 00:16:39,560 --> 00:16:42,120 down something you're passionate about. 248 00:16:42,120 --> 00:16:43,880 Yeah, wow. 249 00:16:43,880 --> 00:16:52,120 That's a really good point because of the, I don't know, I just really enjoy. 250 00:16:52,120 --> 00:16:54,960 I spend too much time sometimes on my budget as well. 251 00:16:54,960 --> 00:16:59,160 And I feel like I think we both use every dollar. 252 00:16:59,160 --> 00:17:03,000 And I say too much time because sometimes I'll get too nitty gritty and then I'll spend 253 00:17:03,000 --> 00:17:07,800 like, I've spent like two hours just kind of like try to get the numbers right. 254 00:17:07,800 --> 00:17:18,120 And every dollar being a tool, an app website that we use, yes. 255 00:17:18,120 --> 00:17:22,960 And I really enjoy that app. 256 00:17:22,960 --> 00:17:30,280 I mean, I'm a developer so I notice the bugs and I put them into their feedback sometimes. 257 00:17:30,280 --> 00:17:37,920 But it's overall, I just enjoy having somewhere that syncs all my stuff together. 258 00:17:37,920 --> 00:17:39,120 I've used other platforms before. 259 00:17:39,120 --> 00:17:45,720 I used Mint before that, which is just another budgeting application. 260 00:17:45,720 --> 00:17:48,120 And I think I just moved every dollar. 261 00:17:48,120 --> 00:17:53,720 Whenever I was part time with the church, I got the Ramsey Plus subscription that you 262 00:17:53,720 --> 00:18:00,840 got to provide to all the employees for a year and that was awesome. 263 00:18:00,840 --> 00:18:04,480 And I kept it. 264 00:18:04,480 --> 00:18:07,640 I read up every time. 265 00:18:07,640 --> 00:18:10,480 I want to talk to you, we'll talk about credit cards a little bit later, but I don't think 266 00:18:10,480 --> 00:18:14,640 I have a question for that, but I kind of want to after listening to the Brainless episode, 267 00:18:14,640 --> 00:18:17,400 especially kind of want to talk about it because I've heard you talk about it multiple times 268 00:18:17,400 --> 00:18:18,400 with me as well. 269 00:18:18,400 --> 00:18:21,120 Just think about the Ramsey mindset. 270 00:18:21,120 --> 00:18:27,520 I don't know, we'll talk about it later. 271 00:18:27,520 --> 00:18:28,880 But that's like showing off. 272 00:18:28,880 --> 00:18:29,880 Will you have something? 273 00:18:29,880 --> 00:18:32,040 No, I will say, yeah, we'll get into credit cards. 274 00:18:32,040 --> 00:18:36,560 But I will say about the budgeting tools and apps that you use and we'll get into this 275 00:18:36,560 --> 00:18:38,600 maybe in a second more. 276 00:18:38,600 --> 00:18:42,240 But I actually don't use every dollar for all of its full value. 277 00:18:42,240 --> 00:18:43,840 I don't have a paid subscription to it. 278 00:18:43,840 --> 00:18:46,880 I use the free version of it. 279 00:18:46,880 --> 00:18:50,040 And I use a really adapted model of it. 280 00:18:50,040 --> 00:18:57,000 The only reason I highly recommend people use an app to use a paid version of it where 281 00:18:57,000 --> 00:19:02,400 it syncs all your stuff, I think that is probably the easiest thing for most people. 282 00:19:02,400 --> 00:19:09,320 I have evolved to just having my own custom Excel spreadsheet that I've created over time 283 00:19:09,320 --> 00:19:13,480 with multiple tabs and it's very complex. 284 00:19:13,480 --> 00:19:17,800 And I wouldn't necessarily recommend this to somebody because it takes more involvement 285 00:19:17,800 --> 00:19:18,800 to do it. 286 00:19:18,800 --> 00:19:21,400 And I very much do geek out over it. 287 00:19:21,400 --> 00:19:26,240 The only thing we use every dollar for is for my wife and I to have a shared place to 288 00:19:26,240 --> 00:19:33,040 put in receipts and manage only actually a small handful of line items in our overall 289 00:19:33,040 --> 00:19:34,040 budget. 290 00:19:34,040 --> 00:19:38,560 Because the truth is the majority of the budgets and actually I would say for the people listening, 291 00:19:38,560 --> 00:19:43,000 the majority of your budget will be relatively automated expenses. 292 00:19:43,000 --> 00:19:49,440 For things that are happening fairly routinely that you can easily estimate and approximate 293 00:19:49,440 --> 00:19:50,840 for your budget. 294 00:19:50,840 --> 00:19:55,760 But then you have these other things that you spend money on that are hard to approximate. 295 00:19:55,760 --> 00:19:59,920 How much money you spend on eating out, for example, that might fluctuate greatly. 296 00:19:59,920 --> 00:20:04,640 But for us, we set a goal around that and every dollar helps us keep to that goal. 297 00:20:04,640 --> 00:20:08,640 And so I get 50 bucks a month to spend on eating out. 298 00:20:08,640 --> 00:20:10,860 Katie gets 50 bucks a month to spend on eating out. 299 00:20:10,860 --> 00:20:13,160 That is set up in every dollar. 300 00:20:13,160 --> 00:20:16,960 When she gets it, she knows when her 50 bucks is up, her 50 bucks is up. 301 00:20:16,960 --> 00:20:22,160 So we kind of manage there and I pull that data into the spreadsheet as needed. 302 00:20:22,160 --> 00:20:23,160 Okay. 303 00:20:23,160 --> 00:20:29,240 No, that, I mean, that definitely sounds like a, I mean, I hear that I'm like, man, that's 304 00:20:29,240 --> 00:20:30,240 like a hobby. 305 00:20:30,240 --> 00:20:31,240 The way you do it. 306 00:20:31,240 --> 00:20:36,200 I mean, I do it on the, I do it because I manage it just because I like having the budget, 307 00:20:36,200 --> 00:20:40,600 like having like the structure of my, I think that's why you baseline why you do it. 308 00:20:40,600 --> 00:20:45,800 But then you, you go like an extra level, which is not bad. 309 00:20:45,800 --> 00:20:46,800 Nothing wrong with that. 310 00:20:46,800 --> 00:20:47,800 Yeah. 311 00:20:47,800 --> 00:20:57,160 Because I, you know, my overall budget document, I have a, I have a whole tab where I'm tracking 312 00:20:57,160 --> 00:20:59,960 our incomes and what is our specific salary? 313 00:20:59,960 --> 00:21:04,720 What, how much are we spending to retirement and taxes and health expenses? 314 00:21:04,720 --> 00:21:09,200 And I'm looking, I have another tab that's all about our insurance and taxes. 315 00:21:09,200 --> 00:21:13,000 I have another tab that's about our savings and the various money I'm putting in the different 316 00:21:13,000 --> 00:21:16,920 savings accounts, but I'm also tracking my emergency savings there. 317 00:21:16,920 --> 00:21:20,960 And then also another tab tracking my total net worth, cause I just want to know I'm tracking 318 00:21:20,960 --> 00:21:26,320 all my different things that value my net worth, but this is super extreme for me. 319 00:21:26,320 --> 00:21:31,280 And because this has become a hot, I think this is why I become a financial mentor to 320 00:21:31,280 --> 00:21:35,800 you and why you didn't have me speaking about this is cause I am a very, I am nerd about 321 00:21:35,800 --> 00:21:36,800 it. 322 00:21:36,800 --> 00:21:39,040 I'm a nerd about it, but you do not have to be at this level. 323 00:21:39,040 --> 00:21:46,320 I think for most people getting to where you're at, which is to have an app where it's pulling 324 00:21:46,320 --> 00:21:50,800 in all of your expenditures into one place so you can see them and organize them and 325 00:21:50,800 --> 00:21:53,000 track them to know where your money's going. 326 00:21:53,000 --> 00:21:55,000 I think is, is a really good start. 327 00:21:55,000 --> 00:21:59,600 And even if you just start like with, like if you, if you just, I want to like check 328 00:21:59,600 --> 00:22:01,480 out one with the free version. 329 00:22:01,480 --> 00:22:05,400 And I think like that one, I, I you pay, I have it paid because it's, it's sinks all 330 00:22:05,400 --> 00:22:07,120 of my transactions. 331 00:22:07,120 --> 00:22:11,400 And I find that really simple to then I'd like, I don't cause it's simple advice it 332 00:22:11,400 --> 00:22:14,860 for me and I can afford to pay for it every year. 333 00:22:14,860 --> 00:22:17,800 But if it's something that like, you can't, I was like, I can't afford it. 334 00:22:17,800 --> 00:22:20,960 Cause I think it's $130 a year. 335 00:22:20,960 --> 00:22:24,280 If you can for every, for every, or the Ramsey plus subscription without you get all the 336 00:22:24,280 --> 00:22:30,120 videos and like, and all the other stuff, if you guys want to try it out for free, like 337 00:22:30,120 --> 00:22:32,640 now you want to set up the line items. 338 00:22:32,640 --> 00:22:35,440 They have like videos, they even have like, they even have videos online that you can 339 00:22:35,440 --> 00:22:39,440 go and follow through if like you've never set up a budget before and you want to know 340 00:22:39,440 --> 00:22:41,600 how to use their software, the user software. 341 00:22:41,600 --> 00:22:47,320 I'm sure others, I'm sure other, um, uh, softwares have that too. 342 00:22:47,320 --> 00:22:54,800 But um, when it comes to your budgeting, um, I, I, this was something I struggled with 343 00:22:54,800 --> 00:22:56,120 in the beginning of my budget. 344 00:22:56,120 --> 00:23:00,280 Uh, when, at least whenever I moved to every dollar and they have all the different categories, 345 00:23:00,280 --> 00:23:04,120 uh, I guess mint had that too, but like, I remember this specifically when I was using 346 00:23:04,120 --> 00:23:07,640 every dollar was a prioritization of what to budget for. 347 00:23:07,640 --> 00:23:12,600 Um, so like, and so like, how do you guys, how do you do that? 348 00:23:12,600 --> 00:23:15,200 How do you and Katie do that? 349 00:23:15,200 --> 00:23:17,000 Yeah, that's, that's an interesting question. 350 00:23:17,000 --> 00:23:20,440 That's not how I read when you, when you provided these questions to me, it's not actually how 351 00:23:20,440 --> 00:23:21,440 I perceive that question. 352 00:23:21,440 --> 00:23:22,440 How did you think about it? 353 00:23:22,440 --> 00:23:30,640 I, I was perceiving it of, um, more, more, more complex and yeah, well, how you, how 354 00:23:30,640 --> 00:23:33,240 you just led me makes way more sense. 355 00:23:33,240 --> 00:23:38,720 But I think I would just make an extension of something I already said is like, you have 356 00:23:38,720 --> 00:23:45,440 to understand that your total amount of resources in order to figure out, do, does my life, 357 00:23:45,440 --> 00:23:47,440 do my goals align with my finances? 358 00:23:47,440 --> 00:23:51,280 A lot of people have very big goals that don't align with their present finances. 359 00:23:51,280 --> 00:23:52,280 Right. 360 00:23:52,280 --> 00:23:53,840 And so they might need to adjust that. 361 00:23:53,840 --> 00:23:58,880 I even think there's certain levels of risk that just comes along with everyday life and 362 00:23:58,880 --> 00:24:02,720 how you spend your money and use your money that you need to be able to understand risk 363 00:24:02,720 --> 00:24:05,920 management with how you're spending your money. 364 00:24:05,920 --> 00:24:11,640 And even, even something like, uh, long-term sustainability, like you might be able to 365 00:24:11,640 --> 00:24:17,160 go out and for a season spend more than you're making if you got some in savings, but you 366 00:24:17,160 --> 00:24:18,840 might know that that can't last forever. 367 00:24:18,840 --> 00:24:24,200 So there's certain strategies around prioritization that came to mind when you first asked that. 368 00:24:24,200 --> 00:24:25,200 Okay. 369 00:24:25,200 --> 00:24:32,440 However, the way you just kind of led me into the question, I think kind of leads it to 370 00:24:32,440 --> 00:24:35,760 really how to, how to structure a budget from the very beginning. 371 00:24:35,760 --> 00:24:36,760 Right. 372 00:24:36,760 --> 00:24:40,560 And we, we are both men of faith. 373 00:24:40,560 --> 00:24:46,440 And so I do take a certain approach to this that, you know, might not be consistent for 374 00:24:46,440 --> 00:24:51,160 someone who doesn't, isn't maybe a practicing Christian. 375 00:24:51,160 --> 00:24:57,400 So for me, the simplest way that I prioritize expenses and the, my, my money that's coming 376 00:24:57,400 --> 00:25:03,720 in would be to give 10% away, save 10% and spend 80. 377 00:25:03,720 --> 00:25:07,320 That is the, that is the simplest budget that I would recommend to someone. 378 00:25:07,320 --> 00:25:11,840 And so I want to make sure I'm giving 10% of my income away. 379 00:25:11,840 --> 00:25:16,920 You can say all 10% like could go to your local church, but you can also say, Hey, 8% 380 00:25:16,920 --> 00:25:22,560 of that's going to my church and 2% of that is going towards, um, I don't know, a lot 381 00:25:22,560 --> 00:25:26,240 other generosity endeavors that I'm pursuing. 382 00:25:26,240 --> 00:25:27,240 Right. 383 00:25:27,240 --> 00:25:31,400 And we also have children that we sponsor through like compassionate or national that 384 00:25:31,400 --> 00:25:32,400 that comes out. 385 00:25:32,400 --> 00:25:37,080 Now we put that on top of the 10% we give to the local church, but that's just from 386 00:25:37,080 --> 00:25:39,000 my personal conviction. 387 00:25:39,000 --> 00:25:44,400 But I would say for the, for the average person, I would, it's specifically someone that, you 388 00:25:44,400 --> 00:25:49,560 know, calls them some of a Christian, I would center your life around giving away 10% of 389 00:25:49,560 --> 00:25:53,520 your income in, in generous endeavors. 390 00:25:53,520 --> 00:25:58,960 Conversely, then I would say save 10% and that would be constantly trying to set aside 391 00:25:58,960 --> 00:26:01,560 10% and that would be in, in total. 392 00:26:01,560 --> 00:26:06,040 So that might, some of that might be your emergency savings. 393 00:26:06,040 --> 00:26:09,360 Some of that might be your retirement savings. 394 00:26:09,360 --> 00:26:15,880 So it can fall into different saving buckets, which we can talk about more about, but a 395 00:26:15,880 --> 00:26:18,680 total of my income, I want to be saving around 10%. 396 00:26:18,680 --> 00:26:19,680 I'll be honest. 397 00:26:19,680 --> 00:26:23,760 There have been seasons in my life where I wasn't saving 10%. 398 00:26:23,760 --> 00:26:31,240 I was always giving 10%, but sometimes I was low as 5% or 6% just because whatever was 399 00:26:31,240 --> 00:26:35,320 going on in that season of my life, I couldn't afford to save 10%. 400 00:26:35,320 --> 00:26:40,520 I don't think I ever went below 5%, but my goal is always 10. 401 00:26:40,520 --> 00:26:44,720 And then if you really get your finances under control, I challenge people to try and save 402 00:26:44,720 --> 00:26:46,760 20. 403 00:26:46,760 --> 00:26:53,680 And if you can be in a place where you're saving 20% consistently, man, your long-term 404 00:26:53,680 --> 00:26:58,560 financial health is going to be so far surpass your peers. 405 00:26:58,560 --> 00:27:01,440 It'll be absolutely wild. 406 00:27:01,440 --> 00:27:03,280 But that is, that's long-term strategy. 407 00:27:03,280 --> 00:27:05,560 Again, I'm not even there yet. 408 00:27:05,560 --> 00:27:10,600 I'd have to do some math on to how much I'm actually saving at the moment, but yeah, I 409 00:27:10,600 --> 00:27:15,600 like to try and save at least 10% and then spend 80%. 410 00:27:15,600 --> 00:27:21,800 And how you prioritize where that money goes, that feels fairly easy because you have your 411 00:27:21,800 --> 00:27:23,120 mandatory expenses. 412 00:27:23,120 --> 00:27:28,640 You got rent, you got insurance costs, you got gas money. 413 00:27:28,640 --> 00:27:33,360 There's a few things at the very top that I got to spend money on just for my life to 414 00:27:33,360 --> 00:27:35,360 be sustaining. 415 00:27:35,360 --> 00:27:39,240 And things that are going to be at the bottom of that list are going to be what I personally 416 00:27:39,240 --> 00:27:42,800 call voluntary expenses. 417 00:27:42,800 --> 00:27:49,760 Voluntary expenses tend to be things like fast food, eating out, miscellaneous expenditures, 418 00:27:49,760 --> 00:27:53,080 like experiences, fun, things like that. 419 00:27:53,080 --> 00:27:59,520 And those have to take a backseat to my rent or groceries. 420 00:27:59,520 --> 00:28:06,800 So those feel identifying that prioritization probably would be obvious to anybody. 421 00:28:06,800 --> 00:28:13,200 However, controlling your ability to actually follow your prioritization is where it gets 422 00:28:13,200 --> 00:28:14,200 hard. 423 00:28:14,200 --> 00:28:19,000 Because anybody could tell you that spending money on rent is more important than my clothes. 424 00:28:19,000 --> 00:28:23,640 However, there's a lot of people that really struggle to not spend money on more clothes, 425 00:28:23,640 --> 00:28:26,040 more shoes, more stuff. 426 00:28:26,040 --> 00:28:29,400 And that's where they get in trouble when then they actually don't have the money to 427 00:28:29,400 --> 00:28:30,400 pay for the things they need. 428 00:28:30,400 --> 00:28:38,760 Yeah, because my issue whenever I started my budget was I realized it later that I was 429 00:28:38,760 --> 00:28:46,040 budgeting for such niche topics. 430 00:28:46,040 --> 00:28:49,560 For me, I like to keep things basic. 431 00:28:49,560 --> 00:28:56,120 So it was like, this is for eating out and then this is for spending at stores. 432 00:28:56,120 --> 00:29:00,000 And then this, like 50 bucks goes to that, 50 bucks goes to this, and then 50 bucks goes 433 00:29:00,000 --> 00:29:02,680 to this other personal thing. 434 00:29:02,680 --> 00:29:07,800 And then I was wondering why I wasn't putting as much money as I wanted to in my savings 435 00:29:07,800 --> 00:29:10,320 as I was looking at what I was actually budgeting for. 436 00:29:10,320 --> 00:29:14,320 I was like, oh, well then I'll just mush all those into one personal miscellaneous budget 437 00:29:14,320 --> 00:29:17,320 item. 438 00:29:17,320 --> 00:29:21,440 I think I budget like $200 a month for just all that personal miscellaneous stuff. 439 00:29:21,440 --> 00:29:25,760 And then I have a baseline amount for my income right now of what I want to put in my savings. 440 00:29:25,760 --> 00:29:29,200 Yeah, I think that's the way to do it. 441 00:29:29,200 --> 00:29:33,440 Same thing, if you try to get too granular with it, then you'll lose your mind. 442 00:29:33,440 --> 00:29:35,200 You'll never be able to keep up with it. 443 00:29:35,200 --> 00:29:40,560 Now there are certain voluntary expenses I have that I do know hit every month, like getting 444 00:29:40,560 --> 00:29:41,560 my hair cut. 445 00:29:41,560 --> 00:29:47,400 I want to get my hair cut every month, but if I was really cut for money, I'll figure 446 00:29:47,400 --> 00:29:49,920 out a way to cut my own hair. 447 00:29:49,920 --> 00:29:53,840 So I actually consider my haircut a voluntary expense, but it hits every month. 448 00:29:53,840 --> 00:29:57,160 So I do specifically budget for that. 449 00:29:57,160 --> 00:30:02,200 But then, yeah, fast food, miscellaneous expenses, fun things, those all kind of get wrapped 450 00:30:02,200 --> 00:30:03,480 in the one for me too. 451 00:30:03,480 --> 00:30:04,480 Okay. 452 00:30:04,480 --> 00:30:07,480 I do have one here. 453 00:30:07,480 --> 00:30:13,600 I'm pretty sure I wrote this after the fact, after I sent you the questions. 454 00:30:13,600 --> 00:30:16,880 I'm just kind of curious what your answer would be. 455 00:30:16,880 --> 00:30:21,560 I don't even know if there is an answer. 456 00:30:21,560 --> 00:30:31,600 But for the people that you already have a budget set up, they're doing it well, and 457 00:30:31,600 --> 00:30:37,680 they feel like they're in a pretty decent spot in that, as in you're following it well 458 00:30:37,680 --> 00:30:40,480 and what we were talking about. 459 00:30:40,480 --> 00:30:45,840 Is there a next step after that that they could potentially do? 460 00:30:45,840 --> 00:30:52,520 Or do you think that's... Because it feels weird just to kind of stop there and not try 461 00:30:52,520 --> 00:30:55,680 to do something that could maybe help you out more. 462 00:30:55,680 --> 00:31:00,240 But that was just my mindset around it. 463 00:31:00,240 --> 00:31:03,560 The next step is going to be different for everybody. 464 00:31:03,560 --> 00:31:06,960 And so there would probably have to be a dialogue that I would have to have with that person. 465 00:31:06,960 --> 00:31:12,360 And I would want to know, do you have your savings set up? 466 00:31:12,360 --> 00:31:15,440 Are you contributing to retirement through your work? 467 00:31:15,440 --> 00:31:21,360 Because some people have their budgets set up, but actually they haven't started doing 468 00:31:21,360 --> 00:31:22,360 retirement through the work. 469 00:31:22,360 --> 00:31:24,840 It's like, all right, they're matching. 470 00:31:24,840 --> 00:31:28,520 They might be matching or doing something cool for your contributions. 471 00:31:28,520 --> 00:31:29,520 So get that set up. 472 00:31:29,520 --> 00:31:33,360 And then how does that impact everything else as part of your budget? 473 00:31:33,360 --> 00:31:36,480 And if they said to me, oh, I got that set up, and I'd say, okay, well, what about a 474 00:31:36,480 --> 00:31:37,480 Roth IRA? 475 00:31:37,480 --> 00:31:40,600 I know you got it through work. 476 00:31:40,600 --> 00:31:41,600 That's really great. 477 00:31:41,600 --> 00:31:45,520 Have you ever thought about setting up a second long-term retirement account? 478 00:31:45,520 --> 00:31:48,720 People might say, well, why do you need two? 479 00:31:48,720 --> 00:31:51,880 It's like, well, more is better. 480 00:31:51,880 --> 00:31:53,840 I'm trying to save 10% of my money. 481 00:31:53,840 --> 00:31:57,800 So however that happens, that's what I want to do. 482 00:31:57,800 --> 00:32:02,520 And so I have some money's going to my 401k through work. 483 00:32:02,520 --> 00:32:04,920 Some money's going to a Roth IRA. 484 00:32:04,920 --> 00:32:09,040 Then I also am trying to set up my emergency savings. 485 00:32:09,040 --> 00:32:13,400 A lot of people that I talk to might have their budget in line, like they're controlling 486 00:32:13,400 --> 00:32:15,280 their day-to-day expenses. 487 00:32:15,280 --> 00:32:20,320 But when push comes to shove, do you actually have emergency savings set aside? 488 00:32:20,320 --> 00:32:27,360 If you just Google this, most financial experts will say to have three to six months of your 489 00:32:27,360 --> 00:32:31,680 mandatory expenses set aside for expenses. 490 00:32:31,680 --> 00:32:35,560 So then you actually have to, in order to do that, you actually have to know, what am 491 00:32:35,560 --> 00:32:38,640 I spending money on in a given year? 492 00:32:38,640 --> 00:32:43,400 And maybe if you sync an app, that can tell you that. 493 00:32:43,400 --> 00:32:49,440 Or you could, this is kind of crazy, but you could manually track your expenses for a year 494 00:32:49,440 --> 00:32:53,040 of what am I spending my money on and where is my money going? 495 00:32:53,040 --> 00:32:55,200 And then you can know what that is. 496 00:32:55,200 --> 00:33:01,440 For me and my family, our six month emergency budget needs to be $30,000. 497 00:33:01,440 --> 00:33:02,680 And it's not there at the moment. 498 00:33:02,680 --> 00:33:04,160 It's about eight. 499 00:33:04,160 --> 00:33:05,640 And that's scary to me. 500 00:33:05,640 --> 00:33:11,960 I feel nervous about just providing for my family because if the wrong emergency comes 501 00:33:11,960 --> 00:33:14,640 up, I'm not in a great spot. 502 00:33:14,640 --> 00:33:18,520 And I'm going to have to be relying on friends, family, whoever to help get me through that 503 00:33:18,520 --> 00:33:19,840 situation. 504 00:33:19,840 --> 00:33:25,600 But even right now, Katie and I have made a decision to shift some money in our budget. 505 00:33:25,600 --> 00:33:27,280 That was my recommendation to her. 506 00:33:27,280 --> 00:33:32,600 And she trusts me with our finances to get more money into that emergency savings. 507 00:33:32,600 --> 00:33:39,240 And we have a goal to get to 30,000 in savings by the end of next year, so about a year and 508 00:33:39,240 --> 00:33:40,800 a half away. 509 00:33:40,800 --> 00:33:45,520 And we're aggressively slashing things in order to do that. 510 00:33:45,520 --> 00:33:49,480 And it's just because of how passionately I feel about having that emergency savings 511 00:33:49,480 --> 00:33:50,480 set up. 512 00:33:50,480 --> 00:33:54,640 So I would want to know, your example was it's going well. 513 00:33:54,640 --> 00:33:55,640 Someone's going well. 514 00:33:55,640 --> 00:33:57,600 But it's like, okay, how well could it really be? 515 00:33:57,600 --> 00:34:02,280 And I'd like to know, are you hitting all of these specific benchmarks of what it looks 516 00:34:02,280 --> 00:34:06,040 like to have a healthy budget? 517 00:34:06,040 --> 00:34:09,800 So emergency savings, all those different things. 518 00:34:09,800 --> 00:34:13,920 Yeah, that's what I want to know. 519 00:34:13,920 --> 00:34:15,920 That's good. 520 00:34:15,920 --> 00:34:19,520 I guess you said you have to talk to the person. 521 00:34:19,520 --> 00:34:26,880 And I would say for me, I don't know if I'm asking for advice here or not. 522 00:34:26,880 --> 00:34:32,960 But I do have probably more than six months saved up at this point. 523 00:34:32,960 --> 00:34:38,080 But I think a really simple thing, and I'll transition after this. 524 00:34:38,080 --> 00:34:43,480 But a really simple thing in my opinion that someone can do is to open up a second savings 525 00:34:43,480 --> 00:34:48,960 account and use that for gesture or DC fund. 526 00:34:48,960 --> 00:34:51,920 I love having multiple savings accounts. 527 00:34:51,920 --> 00:34:58,880 I also specifically encourage people to have savings accounts in different actual places. 528 00:34:58,880 --> 00:35:04,040 So I have a savings account through PNC Bank, which is my regular, where my checking savings 529 00:35:04,040 --> 00:35:06,400 are, comes with a savings account. 530 00:35:06,400 --> 00:35:11,000 Then I have a long term savings account through American Express Personal Savings, just one 531 00:35:11,000 --> 00:35:12,000 that I picked. 532 00:35:12,000 --> 00:35:13,000 It's free. 533 00:35:13,000 --> 00:35:14,000 They have good rates. 534 00:35:14,000 --> 00:35:15,000 I picked it. 535 00:35:15,000 --> 00:35:19,640 I also have a savings account with Wealthfront.com, which is another one that I highly recommend. 536 00:35:19,640 --> 00:35:22,040 It's super simple to use and interface with great. 537 00:35:22,040 --> 00:35:23,200 They have an awesome app. 538 00:35:23,200 --> 00:35:24,880 It's great. 539 00:35:24,880 --> 00:35:30,600 And I specifically put certain savings in Wealthfront. 540 00:35:30,600 --> 00:35:36,480 My Wealthfront savings are savings that I absolutely, without a doubt, cannot touch, 541 00:35:36,480 --> 00:35:37,920 even if I wanted to. 542 00:35:37,920 --> 00:35:41,740 Because there is going to be an expense that comes up this year that I need the money that's 543 00:35:41,740 --> 00:35:43,560 in my Wealthfront account for. 544 00:35:43,560 --> 00:35:49,340 That's insurance, that's taxes, like that's getting placed over there. 545 00:35:49,340 --> 00:35:54,360 The money I put into my American Express Personal Savings, that's my fun budget. 546 00:35:54,360 --> 00:35:59,280 That's money that we're going to spend on vacation, money that we spend on Christmas 547 00:35:59,280 --> 00:36:00,280 presents. 548 00:36:00,280 --> 00:36:02,560 I don't know. 549 00:36:02,560 --> 00:36:06,720 Maybe something comes up we got to pay for my son's T-ball and we didn't have that money 550 00:36:06,720 --> 00:36:07,720 planned for. 551 00:36:07,720 --> 00:36:09,520 It's going to come out of there. 552 00:36:09,520 --> 00:36:12,720 So I can mess with that money a little bit. 553 00:36:12,720 --> 00:36:17,480 Now I am strategizing because I'm usually saving for a vacation or I know how I want 554 00:36:17,480 --> 00:36:21,160 to spend it, but push comes to shove, I can take money out of there if needed. 555 00:36:21,160 --> 00:36:23,800 I cannot take money out of my Wealthfront. 556 00:36:23,800 --> 00:36:25,960 That is hands off. 557 00:36:25,960 --> 00:36:30,640 I'm putting that money into there and I cannot touch it because when my property taxes come 558 00:36:30,640 --> 00:36:32,560 up I need that money sitting there. 559 00:36:32,560 --> 00:36:34,160 I have to be able to have it. 560 00:36:34,160 --> 00:36:35,720 I cannot touch it. 561 00:36:35,720 --> 00:36:40,560 The savings I have in my PNC are kind of everyday savings. 562 00:36:40,560 --> 00:36:42,640 I try to keep that at a certain level. 563 00:36:42,640 --> 00:36:47,720 Then I can pull from that if, I don't know, our monthly expenses go a little bit over 564 00:36:47,720 --> 00:36:51,840 or, again, something comes up that I didn't budget for. 565 00:36:51,840 --> 00:36:56,400 If I got that money in my everyday savings I'll kind of pull it from there so that I 566 00:36:56,400 --> 00:36:59,520 don't have to take it from my fund budget. 567 00:36:59,520 --> 00:37:04,440 I also have a desire to have another savings account than what I just said. 568 00:37:04,440 --> 00:37:11,560 This would be, this is kind of pseudo-emergency savings. 569 00:37:11,560 --> 00:37:14,760 I have technically two accounts with American Express. 570 00:37:14,760 --> 00:37:21,480 One is my fund budget and one is my emergency savings. 571 00:37:21,480 --> 00:37:29,520 I almost want money set aside to do household upgrades. 572 00:37:29,520 --> 00:37:35,640 Right now you could say that falls into emergency expenses but there are some things we'd love 573 00:37:35,640 --> 00:37:36,640 to do around the house. 574 00:37:36,640 --> 00:37:38,480 We just don't quite have the money set aside for it. 575 00:37:38,480 --> 00:37:40,520 You could say, well, take that out of your fund budget. 576 00:37:40,520 --> 00:37:41,800 You could. 577 00:37:41,800 --> 00:37:44,680 Or take that out of emergency savings and supplement it. 578 00:37:44,680 --> 00:37:45,800 Yeah, you could. 579 00:37:45,800 --> 00:37:48,080 But for me I'm trying to really bucket these. 580 00:37:48,080 --> 00:37:51,520 I want my emergency savings to be for a true emergency. 581 00:37:51,520 --> 00:37:53,400 I want that there. 582 00:37:53,400 --> 00:37:57,040 I really prioritize travel with our family. 583 00:37:57,040 --> 00:37:58,840 It's so important to us. 584 00:37:58,840 --> 00:38:03,080 I really don't want to take money out of that budget for it. 585 00:38:03,080 --> 00:38:10,520 So I'm trying to build up even this other secondary savings account that could be for, 586 00:38:10,520 --> 00:38:17,440 I don't want to call it day-to-day large expenses, but things that come up once every few months, 587 00:38:17,440 --> 00:38:19,440 you got to replace a dishwasher. 588 00:38:19,440 --> 00:38:24,120 You could take that out of emergency savings, certainly, that could qualify. 589 00:38:24,120 --> 00:38:25,520 I'm trying to set up a separate account. 590 00:38:25,520 --> 00:38:26,520 That's just me personally. 591 00:38:26,520 --> 00:38:29,680 And I like to have them in completely different buckets. 592 00:38:29,680 --> 00:38:36,280 And ideally, if I can put them in different websites, different banks, that's even better 593 00:38:36,280 --> 00:38:37,280 for me. 594 00:38:37,280 --> 00:38:39,160 Because out of sight, out of mind. 595 00:38:39,160 --> 00:38:41,440 And then I'm not even tempted to touch that money. 596 00:38:41,440 --> 00:38:42,440 It's there when I need it. 597 00:38:42,440 --> 00:38:45,560 But I'm not going to be tempted to spend it. 598 00:38:45,560 --> 00:38:46,560 That's really smart. 599 00:38:46,560 --> 00:38:48,680 I've heard that advice before. 600 00:38:48,680 --> 00:38:51,040 I don't have that yet. 601 00:38:51,040 --> 00:38:56,160 I think I have two savings accounts set up with First Commonwealth. 602 00:38:56,160 --> 00:38:59,640 But that's what I got right now. 603 00:38:59,640 --> 00:39:04,200 When I set that up, that was something I think HR or something at my work was like, wow, 604 00:39:04,200 --> 00:39:05,200 that's pretty smart. 605 00:39:05,200 --> 00:39:11,040 And are those, do you know the interest rates on them? 606 00:39:11,040 --> 00:39:13,240 I think it's 1%. 607 00:39:13,240 --> 00:39:18,440 So right there, I would say to you, you are not letting your money make money. 608 00:39:18,440 --> 00:39:22,200 A personal savings account, those rates fluctuate according to the market. 609 00:39:22,200 --> 00:39:27,600 But right now, you can get 4.5%, 5% just at setting in a personal savings account. 610 00:39:27,600 --> 00:39:32,480 So I'd be recommending, you said you got more than six months of your emergency spending. 611 00:39:32,480 --> 00:39:35,160 You need to throw that in thewealthfront.com. 612 00:39:35,160 --> 00:39:36,800 And so right now, that's an example. 613 00:39:36,800 --> 00:39:41,800 I would need to talk to someone and say, oh, that's just one more step you can take that's 614 00:39:41,800 --> 00:39:43,600 going to improve. 615 00:39:43,600 --> 00:39:48,960 You'd rather, again, my personal savings, my emergency needs to be $30,000. 616 00:39:48,960 --> 00:39:53,240 I'd rather $30,000 be earning 5% than 1%. 617 00:39:53,240 --> 00:39:54,240 So I'm shifting that. 618 00:39:54,240 --> 00:39:58,520 I would want that money always setting in a long term. 619 00:39:58,520 --> 00:40:00,680 It's called a long term personal savings account. 620 00:40:00,680 --> 00:40:01,680 OK. 621 00:40:01,680 --> 00:40:02,680 Yeah. 622 00:40:02,680 --> 00:40:03,680 And those are free. 623 00:40:03,680 --> 00:40:04,960 Wealthfront.com is free. 624 00:40:04,960 --> 00:40:07,640 American Express personal savings, also free. 625 00:40:07,640 --> 00:40:12,480 You can Google long term personal savings accounts and see what are the best ones. 626 00:40:12,480 --> 00:40:18,200 Because some places can give you maybe slightly better APR interest rates. 627 00:40:18,200 --> 00:40:22,720 But they all follow the same markets. 628 00:40:22,720 --> 00:40:26,080 We're all following the same market that's guiding it. 629 00:40:26,080 --> 00:40:30,880 So some of them might give you introductory interest rates. 630 00:40:30,880 --> 00:40:31,880 But yeah. 631 00:40:31,880 --> 00:40:35,720 Wealthfront.com would probably be the number one that I would recommend for listeners that 632 00:40:35,720 --> 00:40:37,720 are on here right now. 633 00:40:37,720 --> 00:40:38,720 Awesome. 634 00:40:38,720 --> 00:40:41,400 I brought that in here. 635 00:40:41,400 --> 00:40:43,040 No, thank you. 636 00:40:43,040 --> 00:40:48,000 That was really useful and interesting. 637 00:40:48,000 --> 00:40:51,560 So since we're getting... 638 00:40:51,560 --> 00:40:54,080 They're also called high yield savings accounts. 639 00:40:54,080 --> 00:40:55,080 High yield savings accounts. 640 00:40:55,080 --> 00:40:57,520 That's because of the high interest rate? 641 00:40:57,520 --> 00:40:58,520 Yeah. 642 00:40:58,520 --> 00:40:59,520 OK. 643 00:40:59,520 --> 00:41:00,520 Yeah. 644 00:41:00,520 --> 00:41:02,760 I wanted to dive into other things, but we're already 40 minutes in. 645 00:41:02,760 --> 00:41:04,280 So I think maybe at some point... 646 00:41:04,280 --> 00:41:05,280 I can go quick. 647 00:41:05,280 --> 00:41:08,280 I can go quick. 648 00:41:08,280 --> 00:41:11,280 So this kind of transitioning out of... 649 00:41:11,280 --> 00:41:15,120 I wanted to bring a couple of things up just personally. 650 00:41:15,120 --> 00:41:16,120 Sure. 651 00:41:16,120 --> 00:41:22,520 So I was transitioning out of financials for the end of this episode. 652 00:41:22,520 --> 00:41:29,760 There was a couple of things that I remember that you said in a couple of your sermons 653 00:41:29,760 --> 00:41:31,920 have really stuck out to me. 654 00:41:31,920 --> 00:41:34,720 And they really resonated with me. 655 00:41:34,720 --> 00:41:39,440 And I know just hearing other people talking about other people, they're like, yeah, the 656 00:41:39,440 --> 00:41:40,640 other people have said the same thing. 657 00:41:40,640 --> 00:41:44,880 I remember you talking about Piper. 658 00:41:44,880 --> 00:41:49,880 And if you want this cut out, let me know. 659 00:41:49,880 --> 00:41:57,000 You brought up Piper very recently after you had a seizure. 660 00:41:57,000 --> 00:42:01,840 I brought this up during small groups before. 661 00:42:01,840 --> 00:42:04,360 You said you wake up... 662 00:42:04,360 --> 00:42:11,680 I know it's left field for what we were talking about, but you brought up how you wake up 663 00:42:11,680 --> 00:42:19,680 every day believing that whatever seizure she had with her last seizure. 664 00:42:19,680 --> 00:42:25,360 And I'm still in it in my personal struggle with pain and everything. 665 00:42:25,360 --> 00:42:35,000 And that gave me personally kind of a new philosophy, if I'm being honest, of waking 666 00:42:35,000 --> 00:42:39,360 up every morning, going to bed every night and praying every night and being expectant 667 00:42:39,360 --> 00:42:48,720 to one day be healed from my condition, whether it be here or in heaven. 668 00:42:48,720 --> 00:43:00,800 And I wanted to want to thank you for that, but I'm also wondering if... 669 00:43:00,800 --> 00:43:01,800 We can go quick. 670 00:43:01,800 --> 00:43:02,800 We can go over it. 671 00:43:02,800 --> 00:43:07,000 We want to say if you could dive a little bit further into that and explain a little 672 00:43:07,000 --> 00:43:08,000 bit more. 673 00:43:08,000 --> 00:43:09,000 Yeah. 674 00:43:09,000 --> 00:43:17,240 I was talking about kind of hopeful expectation and believing the best for her future. 675 00:43:17,240 --> 00:43:22,160 And so yeah, when she has a seizure, I always want to believe that's the last one that she's 676 00:43:22,160 --> 00:43:26,000 ever going to have because the alternative is to believe that she's just going to keep 677 00:43:26,000 --> 00:43:27,000 having them. 678 00:43:27,000 --> 00:43:30,520 And I feel like that's just a really terrible expectation I have for my daughter. 679 00:43:30,520 --> 00:43:34,000 I don't want to be believing that it's going to keep happening for her. 680 00:43:34,000 --> 00:43:37,960 I want to continue to believe that she's taking a step towards health, she's taking a step 681 00:43:37,960 --> 00:43:42,760 towards healing, she's still on seizure medication. 682 00:43:42,760 --> 00:43:48,840 And so I'm very pro medication and listening to doctors' recommendations. 683 00:43:48,840 --> 00:43:52,080 And so we're doing all of that. 684 00:43:52,080 --> 00:43:57,160 In the midst of that, I also believe that, again, we're men of faith, I'm a pastor, so 685 00:43:57,160 --> 00:44:01,400 I believe that supernatural healing can come and I believe that she can be healed from 686 00:44:01,400 --> 00:44:02,400 it. 687 00:44:02,400 --> 00:44:06,360 And we meet people all the time of people saying, oh yeah, my kid or I had seizures 688 00:44:06,360 --> 00:44:08,640 when I was young and then I grew out of it. 689 00:44:08,640 --> 00:44:10,280 So that is a common thing. 690 00:44:10,280 --> 00:44:13,560 Doctors don't say that because they don't want to over promise something. 691 00:44:13,560 --> 00:44:15,920 So I'm believing that's going to happen. 692 00:44:15,920 --> 00:44:19,240 And at one time, there's going to be a time when I'm right. 693 00:44:19,240 --> 00:44:22,160 There will be a time when that is her last seizure. 694 00:44:22,160 --> 00:44:24,760 And so I'm just going to keep believing for it. 695 00:44:24,760 --> 00:44:30,360 And I was still nervous the other night, she was falling asleep and she was acting a little 696 00:44:30,360 --> 00:44:33,000 erratically and I thought, man, something might happen. 697 00:44:33,000 --> 00:44:35,760 But so I went in, I just said, I pray over every night. 698 00:44:35,760 --> 00:44:41,000 I went in and said another prayer and believing that she was going to continue to be healthy. 699 00:44:41,000 --> 00:44:43,720 And I always pray angels will guide her to sleep. 700 00:44:43,720 --> 00:44:45,600 And I prayed that again. 701 00:44:45,600 --> 00:44:51,280 And so yeah, I want to live with hopeful, faithful expectation for my future and for 702 00:44:51,280 --> 00:44:52,280 my kid's future. 703 00:44:52,280 --> 00:44:55,840 And so I think that's just a component of that. 704 00:44:55,840 --> 00:44:59,040 And I really wanted to bring that up just specifically, one, because it was personal 705 00:44:59,040 --> 00:45:08,120 to me and also because I think it brings up, I think it can give somebody else that maybe 706 00:45:08,120 --> 00:45:13,080 hasn't heard that before some of their own hopeful expectation. 707 00:45:13,080 --> 00:45:14,880 Yeah, absolutely. 708 00:45:14,880 --> 00:45:17,840 And I think there's something about believing the best for yourself. 709 00:45:17,840 --> 00:45:21,160 So you could say it's positive thinking. 710 00:45:21,160 --> 00:45:25,880 I would argue if you're a Christian, it's faith-filled thinking. 711 00:45:25,880 --> 00:45:31,080 But even if you're not a Christian, I would recommend it as positive thinking. 712 00:45:31,080 --> 00:45:37,720 And yeah, there's something about fixing your mind on healthy, positive things, that there's 713 00:45:37,720 --> 00:45:41,080 truth to that, whether it's rooted in faith or not. 714 00:45:41,080 --> 00:45:47,000 So I would say always try to lean towards the positive than the negative. 715 00:45:47,000 --> 00:45:51,600 And why assume something negative over my life? 716 00:45:51,600 --> 00:45:53,080 And you could apply that to anything. 717 00:45:53,080 --> 00:45:54,880 You're struggling with addiction. 718 00:45:54,880 --> 00:45:57,960 Maybe that's going to be the last time I smoke that cigarette. 719 00:45:57,960 --> 00:46:00,960 And then I'm going to take positive steps from here on out. 720 00:46:00,960 --> 00:46:05,320 There's one other thing I have written down here. 721 00:46:05,320 --> 00:46:10,360 And I know that I mentioned, I kind of feel like I have to bring it up. 722 00:46:10,360 --> 00:46:17,760 But the reason I want to bring up, because it's kind of like, because I guess because 723 00:46:17,760 --> 00:46:24,200 there were past conversations about what you're, like you were talking about early in the 724 00:46:24,200 --> 00:46:28,840 episode about how you don't know what the future upholds. 725 00:46:28,840 --> 00:46:32,120 You don't know if you'll be a pastor forever. 726 00:46:32,120 --> 00:46:39,440 And I remember, I'm pretty sure it was the first sermon after becoming the head pastor, 727 00:46:39,440 --> 00:46:41,560 the lead pastor of Amplified Church. 728 00:46:41,560 --> 00:46:46,400 You mentioned in the beginning, as kind of like the lead in to your sermon, like how 729 00:46:46,400 --> 00:46:50,880 you never necessarily wanted that role. 730 00:46:50,880 --> 00:46:53,920 And obviously you're doing a very good job at it. 731 00:46:53,920 --> 00:47:02,520 When it comes to like, I'm curious to know like, when it comes to your calling and like 732 00:47:02,520 --> 00:47:05,400 what you feel called to do personally. 733 00:47:05,400 --> 00:47:14,980 And whenever you said that, I'm more curious of like how those kinds of things play into 734 00:47:14,980 --> 00:47:18,840 each other because, yeah, does that make sense? 735 00:47:18,840 --> 00:47:20,760 I love the local church. 736 00:47:20,760 --> 00:47:22,320 I love being a pastor. 737 00:47:22,320 --> 00:47:28,720 I also think Christians overemphasize the local church at times. 738 00:47:28,720 --> 00:47:34,360 And I don't know, I could get canceled for this, but it's like, I think I've preached 739 00:47:34,360 --> 00:47:35,360 on this before. 740 00:47:35,360 --> 00:47:39,600 I don't need people to be, have their lives wrapped around the church I lead. 741 00:47:39,600 --> 00:47:42,400 I want their life to be wrapped around Jesus. 742 00:47:42,400 --> 00:47:47,720 And I hope as part of that, they will be part of a faith-based community, right? 743 00:47:47,720 --> 00:47:53,680 But I like abstain from this idea, and this is in church culture a lot, that every single 744 00:47:53,680 --> 00:47:56,760 time a church puts on an event, it's the best event, it's the greatest event. 745 00:47:56,760 --> 00:48:00,040 You have to be there, tell all your friends, like, I don't know, I just don't resonate 746 00:48:00,040 --> 00:48:01,040 with that. 747 00:48:01,040 --> 00:48:02,040 It's like, I hope you're there. 748 00:48:02,040 --> 00:48:03,640 I hope you're there because I believe you'll have a positive experience. 749 00:48:03,640 --> 00:48:06,720 If you're not, I hope you're doing something else great with your life. 750 00:48:06,720 --> 00:48:14,240 Like our church had a softball game this past week and we encouraged all these people to 751 00:48:14,240 --> 00:48:15,240 go. 752 00:48:15,240 --> 00:48:18,920 Because I was at my son's tee ball game, right? 753 00:48:18,920 --> 00:48:21,800 So I'm not a bad person for not going to this church event. 754 00:48:21,800 --> 00:48:26,280 I'm actually doing something probably more important with my son. 755 00:48:26,280 --> 00:48:30,680 So I just want people's lives to be wrapped around Jesus. 756 00:48:30,680 --> 00:48:37,680 And that does not mean that you have to sell your soul to a local organization. 757 00:48:37,680 --> 00:48:40,520 I hope you serve at your local church if you're a Christian. 758 00:48:40,520 --> 00:48:41,520 I hope you give there. 759 00:48:41,520 --> 00:48:42,520 I hope you invest there. 760 00:48:42,520 --> 00:48:44,800 I hope you have things wrapped around it. 761 00:48:44,800 --> 00:48:46,640 But I even feel that way for my job. 762 00:48:46,640 --> 00:48:49,080 It's like, no, I work hard at my job. 763 00:48:49,080 --> 00:48:50,080 I know I do. 764 00:48:50,080 --> 00:48:51,240 I'm not questioning that. 765 00:48:51,240 --> 00:48:53,280 I don't think anybody else would question that. 766 00:48:53,280 --> 00:48:56,880 And for my employees, I expect them to work hard at their jobs. 767 00:48:56,880 --> 00:49:02,840 But there's also, I believe, like a work-life balance that I also want them to hold to. 768 00:49:02,840 --> 00:49:07,200 And I don't need their lives wrapped around their job at the church. 769 00:49:07,200 --> 00:49:12,880 I hope when they're there, they pour out so much into it and they give and they do it 770 00:49:12,880 --> 00:49:14,400 with the best of their ability. 771 00:49:14,400 --> 00:49:16,920 But they have other purposes in this life. 772 00:49:16,920 --> 00:49:20,200 And it's not necessarily about working at this church. 773 00:49:20,200 --> 00:49:22,840 And there will come a day where I'm not the senior pastor of the church and church is 774 00:49:22,840 --> 00:49:23,840 going to keep going. 775 00:49:23,840 --> 00:49:24,840 It's going to be healthy. 776 00:49:24,840 --> 00:49:25,840 It's going to be strong. 777 00:49:25,840 --> 00:49:29,040 Hopefully, I've left it in a better place than I found it. 778 00:49:29,040 --> 00:49:35,080 But this organization is not the most important thing. 779 00:49:35,080 --> 00:49:40,440 The organization, I don't even know it was what Jesus had in mind right after he died. 780 00:49:40,440 --> 00:49:41,480 The church is people. 781 00:49:41,480 --> 00:49:45,880 The church is actually just the gathering of people. 782 00:49:45,880 --> 00:49:51,640 So yeah, the organizations as they're set up in American Christian society, that is 783 00:49:51,640 --> 00:49:54,440 not the end all be all of faith. 784 00:49:54,440 --> 00:50:02,040 So that's why I'm like, my calling is to be a pastor at Amplified Church. 785 00:50:02,040 --> 00:50:05,200 I'll be there as long as God has me. 786 00:50:05,200 --> 00:50:08,040 But if I'm not there, I'll pastor somewhere else. 787 00:50:08,040 --> 00:50:13,400 And if I'm not in vocational ministry, I'm going to pastor my wife and my kids. 788 00:50:13,400 --> 00:50:15,800 So yeah, I don't know. 789 00:50:15,800 --> 00:50:17,400 There's just something about calling. 790 00:50:17,400 --> 00:50:22,800 Some people do know very specifically, I am called to be a pastor, a vocational pastor 791 00:50:22,800 --> 00:50:24,960 at this church. 792 00:50:24,960 --> 00:50:27,280 I've heard people say that I heard people plant churches out of that. 793 00:50:27,280 --> 00:50:28,280 And I tell you, that's great. 794 00:50:28,280 --> 00:50:29,280 That's awesome for you. 795 00:50:29,280 --> 00:50:30,280 I love that. 796 00:50:30,280 --> 00:50:31,280 That's not necessarily me. 797 00:50:31,280 --> 00:50:33,720 I know I'm called to be there right now. 798 00:50:33,720 --> 00:50:36,160 And I'm going to be faithful to that today. 799 00:50:36,160 --> 00:50:39,720 So no, I think that was great. 800 00:50:39,720 --> 00:50:46,280 I was very, as I earlier today, I was prepping for this. 801 00:50:46,280 --> 00:50:47,800 That was just like, it popped in my head. 802 00:50:47,800 --> 00:50:49,520 I was like, I really kind of want to know more about that. 803 00:50:49,520 --> 00:50:50,520 So thank you. 804 00:50:50,520 --> 00:50:51,520 Yeah. 805 00:50:51,520 --> 00:50:54,760 Okay, so some final, final questions. 806 00:50:54,760 --> 00:51:03,800 So when it comes to personal growth, or when it comes to calling and what we're talking 807 00:51:03,800 --> 00:51:07,440 about today, where are some resources that you would recommend to people? 808 00:51:07,440 --> 00:51:11,680 I know we talked about a couple of things, but what did you say? 809 00:51:11,680 --> 00:51:14,160 For personal growth, like leadership growth? 810 00:51:14,160 --> 00:51:15,160 Yeah. 811 00:51:15,160 --> 00:51:16,160 Yeah. 812 00:51:16,160 --> 00:51:20,280 I don't know that I have a whole lot of fancy answers here. 813 00:51:20,280 --> 00:51:24,760 Me and you have talked about this just offhand before. 814 00:51:24,760 --> 00:51:32,720 But as a pastor, I have a few, there's a few really big name pastor leadership podcasts 815 00:51:32,720 --> 00:51:36,200 I listen to, Craig Rochelle, Andy Stanley, Kerry Newhoff. 816 00:51:36,200 --> 00:51:38,680 Those are three guys that I'm subscribed to. 817 00:51:38,680 --> 00:51:46,080 I don't listen every week, but I can tune into them anytime and it's going to be good. 818 00:51:46,080 --> 00:51:49,600 Kind of Christian, kind of not John Maxwell. 819 00:51:49,600 --> 00:51:52,840 I mean, even in the non-Christian market, he's huge. 820 00:51:52,840 --> 00:52:00,200 I'm not saying anything groundbreaking there by saying read a John Maxwell book. 821 00:52:00,200 --> 00:52:02,520 Him and his podcasts are really great. 822 00:52:02,520 --> 00:52:07,600 And his podcast has this thing where it's like a two episode thing a lot of times where 823 00:52:07,600 --> 00:52:15,840 it'll be like all of his stuff and then they'll like his sidekick or whoever will kind of 824 00:52:15,840 --> 00:52:20,960 break it down, which I think is really, really cool. 825 00:52:20,960 --> 00:52:26,120 Simon Sinek, really popular author, leadership author. 826 00:52:26,120 --> 00:52:30,160 Leaders Eat Last is a book I've recommended a lot in the past. 827 00:52:30,160 --> 00:52:34,760 Patrick Lanzione, another really great author. 828 00:52:34,760 --> 00:52:36,880 He's written a ton of books. 829 00:52:36,880 --> 00:52:40,720 His book, The Advantage, I think is the one I would probably recommend off the top of 830 00:52:40,720 --> 00:52:43,880 my head. 831 00:52:43,880 --> 00:52:53,120 I've also found a lot of value in leadership tests like Strength Finders, Disc, Myers Briggs 832 00:52:53,120 --> 00:52:56,360 is a really popular one. 833 00:52:56,360 --> 00:53:01,640 I think those are really valuable, but you also can do not only those for yourself, but 834 00:53:01,640 --> 00:53:05,280 typically you can do those in team based settings as well. 835 00:53:05,280 --> 00:53:10,640 So I think knowing how your strengths correlate to your spouse or how your strengths correlate 836 00:53:10,640 --> 00:53:14,920 to your team that you work with, I think is a really good thing. 837 00:53:14,920 --> 00:53:17,120 So I would pursue those individually. 838 00:53:17,120 --> 00:53:21,920 And if your workplace or even in your home, you could cultivate those tests. 839 00:53:21,920 --> 00:53:25,660 I think that could really speak volumes to you personally. 840 00:53:25,660 --> 00:53:28,160 You mentioned the elimination diet before. 841 00:53:28,160 --> 00:53:30,320 I think it's the same thing. 842 00:53:30,320 --> 00:53:33,040 Know your strengths and leadership capacities within yourself. 843 00:53:33,040 --> 00:53:35,760 Know how they are with your spouse or your coworkers. 844 00:53:35,760 --> 00:53:36,760 How do those mesh? 845 00:53:36,760 --> 00:53:37,760 What are going to be the tensions? 846 00:53:37,760 --> 00:53:39,000 Where are going to be the strengths? 847 00:53:39,000 --> 00:53:41,160 I think that can be really insightful. 848 00:53:41,160 --> 00:53:42,160 Awesome. 849 00:53:42,160 --> 00:53:47,280 You gave me a lot of research to do. 850 00:53:47,280 --> 00:53:50,160 And links to look up and put in the show notes. 851 00:53:50,160 --> 00:53:58,800 And then final question, who would you like to hear on this podcast? 852 00:53:58,800 --> 00:54:00,840 Dude, I have no idea. 853 00:54:00,840 --> 00:54:06,880 You had sent this along and I don't even know. 854 00:54:06,880 --> 00:54:07,880 I love you Thomas. 855 00:54:07,880 --> 00:54:08,880 I haven't listened every episode of it. 856 00:54:08,880 --> 00:54:13,200 So I'm like, I don't even know who you've had totally who you've had on, but I'll give 857 00:54:13,200 --> 00:54:14,520 you a one that I don't. 858 00:54:14,520 --> 00:54:15,880 I'm pretty sure you haven't had on. 859 00:54:15,880 --> 00:54:17,320 I'm going to say your dad. 860 00:54:17,320 --> 00:54:20,600 Cause I feel like I've heard you have a conversation. 861 00:54:20,600 --> 00:54:25,280 We've talked a little bit about them and in the past, I don't know. 862 00:54:25,280 --> 00:54:32,680 I feel like that could be a cool conversation for you to explore his life in a recorded 863 00:54:32,680 --> 00:54:33,680 format. 864 00:54:33,680 --> 00:54:34,680 Yeah. 865 00:54:34,680 --> 00:54:37,080 And I'm just wondering what type of questions you would ask him. 866 00:54:37,080 --> 00:54:41,960 What type of things he might say that you've never heard him say and wisdom that he's told 867 00:54:41,960 --> 00:54:45,560 you over the years that maybe you take for granted, but that your listeners might hear 868 00:54:45,560 --> 00:54:46,560 for the first time. 869 00:54:46,560 --> 00:54:47,560 Hmm. 870 00:54:47,560 --> 00:54:48,560 That's that. 871 00:54:48,560 --> 00:54:52,520 That is probably the most unique answer I've ever heard. 872 00:54:52,520 --> 00:54:57,520 Most people will say like somebody from the church because I guess people like, I know 873 00:54:57,520 --> 00:54:58,640 that's really interesting. 874 00:54:58,640 --> 00:54:59,640 Thank you. 875 00:54:59,640 --> 00:55:00,640 Awesome. 876 00:55:00,640 --> 00:55:05,600 Well guys, thank you for listening to this episode of technically short. 877 00:55:05,600 --> 00:55:10,720 If you haven't already, go ahead and subscribe or follow and whatever platform you're on, 878 00:55:10,720 --> 00:55:15,520 give us a five star review and share us on all your social media. 879 00:55:15,520 --> 00:55:17,440 So see you next time guys.