You Can't Afford Not To Week 1

then we'll pray and ask God to speak to us today. We're also going to pray for our country and for our state and for our city as we pray as well. But let's look at God's word here in Luke 16, let's start in verse 10. This is Jesus talking, so if you have one of those Bibles, this is in red. It says, "Whoever can be trusted," I want you to watch for what word shows up a lot here. "Whoever can be trusted with very little can also be trusted with much, and whoever's dishonest with very little will be dishonest with much." So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? And if you have not been trustworthy with someone else's property, who will give you property of your own, the very next verse, Jesus says, "No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other." You cannot serve both God and money. And I included verse 14 just because I kind of liked verse 14, I just think it's kind of funny. But look at verse 14, it says, "And then the Pharisees who loved money heard all this, and were sneering at Jesus." I just included that, so you just knew what not to do today during the message. Nobody be sneering. Okay? I don't even know really what a sneer is, but don't even try to sneer at this because that's what the Pharisees were doing because they loved money too much, and Jesus had just said, "You can't serve both of them." And so we're going to pray and ask God just to anoint this word today. And today I'm going to speak on, "You can't afford not to be trustworthy, you can't afford not to be trustworthy." And like I said, we're going to pray for this word, we're also going to pray for our city,

our state, for our nation with this election. I already voted, early voting, but if you haven't voted yet, get out there, come on pray for a biblical worldview and just ask God's leadership on your, as you cast your vote, I think that's healthy to do in all areas of our life, but let's pray, Lord, thank you for your word today. We do ask you to speak to us, God, and just change us, Lord, we're not here just to be hearers of the word, we are here to be doers of your word. And so thank you for giving us guidance in all of life, and pray you continue to guide and direct the affairs of this state, this city, this country, God, we give it to you, we ask your will to be done, God, we pray for our elected officials even now, God, that there would just be a revival amongst governments, God, at every level, that people would experience you and it would just begin to let a revival sweep through all of our homes, let revival sweep God in our churches, in our city, in our nation. We thank you for your spirit, anoint this word now, in Jesus' name we pray, and everybody said, amen, amen. That word that kept showing up, as we read those verses, was the word trust, trust. And they say about trust, they say trust goes both ways, that's what, that's what people say about trust, and what that means, like, for instance, like in marriage, it would count there, right, like trust would go both ways. You might have one spouse that could be the most trustworthy person on the planet, it doesn't matter how trustworthy they are, if the other spouse can't be trusted, there's going to be problems in that marriage, trust goes both ways. I used to teach this to students, I'll teach it today to some students, but trust goes both ways in parenting and children relationships. And so there's a lot of times like, you know, teenagers will be like, I just wish my parents trusted me, and I just wish they would trust me, well, for that to happen, you've got to be trustworthy. So that's true, you do, but then I would also say it this way, that yes, you want your parents to trust you, and then as a child, as a teenager, then you also need to trust your parents.

In other words, sometimes your parents have a different perspective in a different viewpoint, they may put some guardrails in your life, because they see some things that you don't see, and so the trust goes both ways. I thought parents would be shouting me down right now, I'm trying to help, and I mean it's just quiet, I don't even know, I'll move on, no, that's fine. Trust goes both ways. And trust also, watch this goes both ways in our relationship with God. It's not something we often think about. No, we think trust goes one way with God. Oh, man, we talk about trusting God. We sing about trusting God. I trust in God. My Savior, the one who will never fail. We see, oh, yeah, we trust in God, but here's the thing, watch this. God wants to be able to trust you. God sings over us. I wonder if God's that they're singing. I trust in Todd. (congregation laughing) My servant, the one who stewards well. (congregation laughing) I trust in Isabella. Like, it worked, Todd rhymed with God so it worked better. All right. No God wants to be able to trust you. And we don't think about that kind of trust going both ways, but Jesus just here in this verse mentioned so many times, can you be trusted?

Can you be trusted? Can you be, are you being trustworthy? You can't afford not to be trustworthy. And this isn't all areas of our life. We're just steward all areas of what God's given us. So we're talking about our time. We're talking about our talent. We're talking about our schedule. We're talking about our resource. We're talking about our breath. We're talking about, we're, God is trusting us with a lot. And within that does come with money that God is trusting us with everything that we have. And the Bible talks a lot about how we are to handle and manage and steward our money. They're over 2000 times in references in scripture that talk about a person's a person and his money or his resource or his things. So this has talked about a lot, 15% of everything Jesus said is in relationship to this topic. And that's more than heaven and hell combined that Jesus talked about. So why did Jesus put so much emphasis on a person's possessions and their money? Well, I think a couple obvious reasons are that number one, if we will handle this and manage this right, it will make our life actually less stressful. It'll make our life actually kind of easier here on this earth. Yeah, and then studies, they have found that 88%

of Americans said they feel noticeably anxious and stressful regarding their personal finances. 88%, know what it's like to feel stressed around this topic. And three out of four people in this survey admitted to living with significant financial regrets. So that's a lot of us, man, just where we can go, man, I really regret what I did in that moment. 70% of married couples report to arguing at least once a month about finances. And that's creating stress within marriages because of we're arguing monthly about finances. They, married people have said that finances is the number one source of conflict in their relationship. And so obviously if we'll handle this better, our life will be better. But the other reason why Jesus talks about it so much or another reason why is because the fundamental connection between our spiritual lives and how we think and handle money. We wanna divorce those two completely. Like we're gonna go nuts, my spiritual life over here and this is my finances over here. We wanna divorce those, but in scripture, they are just inseparable. We just cannot separate the two. And so I get it that right now, this message may be hitting at a perfect time because things are a little bit tight because gas does cost $47 a gallon. Okay, so like this might be a good time for us to take a look and go, okay,

maybe I do need some God principles in my life because it's how I manage this is really important right now. And so we wanna figure out what God, what do you have to say about this area of my life? Now here's the thing, we love Jesus. I know I'm in a room and then I know at every location, there are some people, anybody love Jesus. Come on, just say amen, if you'll love, oh, that's what I thought, yeah. (congregation applauding) I'm just setting you up, by the way. We say we love Jesus, but we don't always love His ways. Yeah, so like, oh, I love Jesus, but Jesus, I need you to stay out of my business. I need you to, don't be talking about what I'm doing with over here. Like you may have some ways that work for you, but Jesus, I got ways that work for me and for mine. And so we love Jesus, we also have to love, we're gonna love Jesus, we have to love His ways. We have to let them become a part of who we are and what we are. And so when I read these verses in Luke chapter 16, I just had a couple of questions that I posed for myself and I wanna pose those questions to you. I got three questions I want you to think about today. And when I read verse 10, that's the one where he said, if you can be trusted with literally, you'll be dishonest with much.

When I read verse 10, it made me ask myself this question. I want you to ask yourself this question. Do I have a plan and principles when it comes to my money? So do I even have a plan? Do I have some principles that I'm living by when it comes to my money? I want you to ask yourself that question. Let's unpack that a little bit. There are really primarily four things you can do with money. You can save it, you can spend it, you can give it, or you can earn it. It can use it to earn some more. Okay, that's really primarily the four things you can do with it. And watch this, the amount of money that I have has no effect on how I approach money. Like, here's the thing. A lot of us think, well, when I have more, then I'll be able to implement this plan, this principle. Once I have this amount, once I make this much, once I get this paid off, once I get that job, once I have this balance on the balance sheet, then I'll start to do this, this, and this all these biblical ways that gets talked about. I'm gonna do that when I get to there. Well, what did Jesus, Jesus said? He said, if you have, if you can't be trusted with a little, well, you won't be trusted with a lot. He said, if you're dishonest with a little, well, then you're gonna be dishonest with a lot.

And so the amount that we have doesn't really have any effect on how principled we are when it comes to managing what God has trusted to put into our hands. And so some of us, if we're dishonest with little, we're gonna be dishonest with much. And I was thinking, what does that even mean? What's it mean to be dishonest with my money? Well, one practical, I think, application that's very real for the United States of America in 2026 is debt. Debt is a dishonest approach to money. You know why? Because debt is I'm spending money, I'm lying not to everybody, I'm lying to myself, I'm spending money that I don't really have. So that's a lie to myself, I'm spending tomorrow's money today that's a lie to myself. And so debt is one of these things that Bible does talk about and we need to be very, very careful with as Christ followers. Again, so that we'll be freed up and that we won't have these stresses, this unnecessary strain on our life. And debt doesn't make you a bad person, debt doesn't make you a weak Christian. We all can fall into times and traps with debt. I remember, Jamie and I were talking actually yesterday about a Christmas way back when when our kids were little and we fell into the trap of just debt right around that Christmas time is coming. And so just be careful in Jesus name,

come on wisdom in Jesus name, but we just lost our heads for a second. And our kids were, our oldest was probably five or six and he had started playing drums quite a bit, maybe seven out how old he was. And so we said, man, let's, we want to get him a drum set. Well, that was a big expenditure. Like we didn't have nothing back then. And that was a big expenditure. So we got him a drum set, but we had a lot of kids and we couldn't be unequal with the gifts. So we got him a big present. Now we got to get everybody a big present. So now we got to buy Sydney the little types of and set that's as large as her bedroom. And so we got that. Now we got to get him a train set. And so we didn't have money to do any of this stuff, but we had a credit card. Come on, come on. And so we did it and Christmas morning was so fun. And then Christmas afternoon, I started feeling guilty. I started feeling icky. I'm like, oh my God, what have we done? And now we're having to pay, I felt, I did. We just felt conviction because we hadn't had really any debt in our marriage up until that point. And now some are paying off this Christmas for months after. And I just felt such conviction about that. That can happen to all of us.

It does happen to most of us. The average household in America right now carries $63,000 in total debt. That's counting credit card balances and all the other areas of debt. Credit card alone in our country-- watch this. The credit card debt in our country right now alone, just credit cards, is $1.1 trillion with a T, dollars. Yeah, trillion. You're like, I'm not doing too bad. I'm only-- no. This happens because our culture normalizes spending money that you don't have. It normalizes this idea that borrowing to maintain a lifestyle that I can't afford is just the norm. It's just normal. And so we've got to be so careful of that because the Bible, of course, gives warning against debt. Proverbs 22, verse 7. The rich rule over the poor and the borrower is slave to the lender. It's supposed to shake us a little bit. Now, a couple of years ago, we ran a video of the Shavir family and just their journey of kind of coming to that realization and the work it took for them to get out of debt. And it was just such a great story. We want to show that again. So check this out. This is the Shavirs and their story

as they work through managing what God has given to them. Watch this. 2007 through 2020, basically was the span of us really racking and racking and racking up debt. Live in paycheck to paycheck, struggling. - Within getting married, even before, we started getting debt. And within the years, you know, going on trips, every trip has to go in a credit card because if you want to travel, that's the way you have to do it. That's what we thought. We had our son and we had to go to Toys R Us and get all the goodies and all this stuff for the baby, everything on a credit card. So, you know, different stores and we will just go and pop the credit card. And we kept doing it and we noticed that the stores will keep increasing our balance. And we rank up almost $100,000 in credit cards within the time in our 15 years of marriage, basically. This is weekly debt on how much I used to pay every week. I mean, there was weeks on here that I like, that's all I had left $196 one time. Then comes 2021. And we made a commitment to attend the Ramsey. - Financial Freedom. - Financial Freedom class. And we were doing it every Thursday at the Michigan campus. From then on, we really started seeing

how we could get out of debt. So it started with the house being sold, that the money that we made there, we put it towards that. - It was hard for him to give the tens on times. So we in 2021, he starts doing the, this is it. This is the way we're gonna tie. And we started cutting stuff based on the Ramsey teaching. It was eliminating all that is not necessary. Is this a need or if I want? So we started doing that and sticking to the budget. We received bonuses and-- - That literally came out of nowhere. - Nowhere, it checks from hospitals that you have paid extra money on bills. We sold a car to go down in debt. And as of January of this year, we were able to finish paying almost $100,000 in credit cards. (audience applauds) It took a year basically to get rid of all that debt. But through tithing and through the course that we had, it really, really helped out. I mean, I think to me, just being able to tie without thinking twice how do you impact in it? Because I committed 100%. God, you know, my financial situation, but I'm gonna do it. - Amen, I would-- (audience applauds) I would say this.

You just, you can't just drown in debt and just accept it as just the norm and make it like, well, it's just my dwelling place is just where I am. I just live here in debt. I drown in it. No, I think with the Lord's help, you can do something about it. And I think you just need to have a plan and be delivered about debt and all costs so certainly avoid future debt no matter what you need to do. And so I would just say this, the freedom that you'll have when you get free of this is so much better than whatever discomfort you might have in trying to get help or figure this out. And so do whatever you have to do. Look at all your expenditures. Look at your streaming services and what devices you're getting and what cars you can't afford and whatever monthly memberships you're not using. Look at your shopping habits and your food habits and maybe food doesn't deliver it anymore. Maybe you actually cook it instead and maybe you go to the grocery store but not just see any grocery store. If you go to Publix with shopping is a pleasure. I will admit shopping is a pleasure. But when you go to Publix, it's bo-go's or no-go, okay? It's like it's not, just like, man, like, right?

Do what you, right on. Do what you gotta do to get out of, to work towards getting out of that. And don't just accept that as the norm. That's what the word of God would encourage us today with. Maybe a budget is going to be a good start for some of you that have never done a budget and you've been, oh, I don't even know how to do that. It just starts with a, and so there are some different apps out there that can help you with that. There's one app called the Every Dollar App, that is from Dave Ramsey, but it's a free app that'll get you started in budgeting, and so maybe that's a step you can take. Let me give you a couple steps real quick, practically. So yeah, at the Every Dollar App and start budgeting, I would say here's a step, live within your means, profound, right? Like here's what that means. It means whatever comes in, that's what I spend, not more than that, all right? That's profound. Don't spend money, don't spend tomorrow's provision today, ask people in your life for help. You know what, the people in your life, you know some people that kind of has got some victory in this area. You know some people that have done well now with budgeting their personal finances,

and I will say this about those people, they love to talk about it, all right? 'Cause they're proud of themselves, 'cause they've done something, and so they'll, if you go to them and say, "Hey, we're kind of trying to figure this out." Will you help us? I promise, most of the time they're gonna say yes. So find somebody in your life that is doing well, with it, maybe it is a go line by line, and just see what's going out. Some of us don't even know what's going out of our account, we don't even know where we're spending the money. So go line by line, and some of those numbers may surprise you, you got memberships to stuff you have forgotten about, and get into some classes. We have classes around here all the time. We're doing some special two weeks from today, all right? 'Cause we just wanna help you in this. This is a season where we just, man we need help in this area. We wanna help you, and so two weeks from today, we're doing a one-time class at every single location, and it's just kind of the beginning of this process. There'll be a couple of principles there that are taught, but then also a relationship to begin some coaching, if you want that. Basically, whatever you want, whatever you need, we're gonna try to help you with that,

and so the QR code is up there for that meeting. You can get more information about that, but that's two weeks from today, 'cause we just want to help you. And so I ask myself that question, do I have a plan? Do I have principles when I'm dealing with my money, and I want you to be able to answer that question, too? The other question, when I read verse 11, the question I ask myself, verse 11 is the one where Jesus says, there's worldly riches, but then there are true riches. There's worldly wealth, but then there's true riches. And so when I read about that one, I begin to ask myself this question. Do I master my money, or does my money master me? You've got to be able to answer that, be honest with yourself here. Do I master my money, or does my money master me? Worldly wealth, we are to handle it, and it's part of this deal, we are gonna handle it, but it's temporary, it's temporal, and then he says, who can be trusted with true riches? Here he's talking about eternity. So here again is that link between how we handle worldly wealth and our spiritual life. Those two things are tied together. And a little bit later on in verse 13, that's when Jesus said, no one can serve two masters. You'll hate one, love the other, you'll be devoted to one, and despise the other.

This is where Jesus said, you cannot serve both God and money. This is the only time in scripture church where Jesus sets something up as a direct rival master to God. It's the only time that he sets up a little God in comparison to the true God. He says, you can't serve both God and money. Why did Jesus zero in on money here when he could have filled in that blank with all kinds of stuff? You can't serve both God and power. You can't serve both God and sex. You can't serve both God. He could have, I mean, there's a lot of things that people make their idols. Why did Jesus zone in here on money? Well, this is why, because I think money is the most persuasive fake God in human history. Let me tell you what I mean. Money promises what only God can provide. Money promises security, money promises safety, money promises identity, money promises power. Listen, only God can provide those things. That's why money is this fake persuasive little G God in your life. Do I, am I mastering my money or is my money mastering me? John Ruskin wrote in a book called unto this last. He wrote about a shipwreck that was happening in the Bay of Biscay. And as this ship started to go down,

the passengers on this ocean liner started to panic. And so one man, when he found out that the ship was going down, he ran into his cabin and he pulled his prized possession, this belt of gold. There's a belt that held all these gold coins. And he ran in and he grabbed his belt and he put it on and he ran back out on the deck and he jumped over the deck into the water and he was gonna swim. the weight of that gold belt started to weigh him down, he ended up going under the water and he never resurfaced and he was never found again. And in that same book, the author poses this question. He says, "Now, as he was sinking, "did he have the gold or did the gold have him?" I'll pass it out, I would never grab a money belt when the ship was sinking, I wouldn't do that. No, it doesn't look like that for us. For us, it looks like I need to grab this new belt 'cause I need something to match my new shoes. I had to get the new shoes 'cause they go well with my new pants that I got. The reason why I had to get the new pants is 'cause someone gave me a new shirt and we just keep adding and adding and adding. We live in this world where it's this disease called consumerism. It's just more, more, more, more. That's what consumerism is.

It's this acquisition of goods and services. Come on, where are my Amazon people at? Don't act like you don't have Amazon packages right now. Delivering on Sunday morning while you're at church. Ever increasing more, so that I can have some personal happiness so that I can help some with my identities so that I can have some social status, more and more and more consumerism. Let me illustrate it, back in the 1950s, the average woman, I might get in trouble here with some of the women, but back in the '50s, the average woman had nine to 10 outfits. That was it, nine to 10 outfits. And now in the average closet, we have over 100 items and yet some of you with over 100 items in your closet, you stood there this morning and you told your husband. (audience laughs and applauds) I have nothing to wear. Probably about a week or a week and a half ago, I got home in the evening and I just was in the mood for like a, just sometimes a nighttime bowl of cereal just hits. So I went in, we didn't have, we didn't have, they, who's my house, we didn't have the cereal that I know I'm a raisin bran crunch guy and so, amen. So I'm here, I'm more excited about raising bran crunch than we got about Jesus, but. (audience laughs)

So we didn't have that and we did have some fruity pebbles and this is a box of fruity pebbles straight. This is a Wilson cabinet this morning out of my, out of my pantry. So we still have some fruity pebbles at the house. My wife loves her so some fruity pebbles. So I got the, I got a big bowl out. I got the tablespoon, not the teaspoon, that's how you eat cereal with the tablespoon, okay? I got, I poured quite a bit of cereal in there and some milk and I went for it, man, I was good. It tasted pretty good. I ate a whole bowl, pretty good size bowl and I just felt like I'm still like, I feel the same level of hunger I felt when I started this mess. I poured some more in there and I had some more and I still just didn't feel satisfied 'cause there's just something about this little puff, fruity puff of rice. It just does not satisfy, it just doesn't do it. Now if I didn't eat something else, I probably would have felt maybe some, some, something that stuck to my, stuck to my bones, stuck to my, my stomach, but I just felt empty. And that's, that's the way it is with consumerism. It's just like I've got to have more, I've got to have more stuff, I've got to have more money so I can have more stuff. And I guess here's my question,

when do we ever get to that, that, that, that concept of, enough, when is enough, enough? When can we just be content with what we do have? Well, as long as we're trying to fill the void in our life and trying to find the identity, you know, based on the stuff that we have, we'll never get there. I mean, if this was my consistent diet, I'm gonna be in trouble. At some point I got to get off this stuff that's not kind of like real food and I got to put some real things in my life. I got to put some, some real faith in my life. I got to lift the principles of this word of God. Then I'm going to find some fulfillment. Then I'm going to find some identity when I do things God's way. Somebody say, amen. (congregation applauding) We're starting to get a pastor of money is evil. No, that's a misquoted verse from first Timothy chapter six. It's the love of money that's the root of all evil. Look what it goes on to say. Some people who were eager for money have wondered from the faith and pierced themselves with many griefs. What over that love of money? The problems begin when money has you. When I read the next verse, when I read verse 12, I ask myself another question I want us to ask ourselves. Verse 12 is the verse where Jesus said,

"If you've not been trustworthy with someone else's property, "who would give your property of your own?" It made me ask myself this question, "Have I settled the question of ownership in my life? "Have I settled the question of ownership "in everything that I have?" Because we are called to be stewards of what God has entrusted to us. Let me tell you what a steward is. A steward is a manager entrusted with absolute authority over another person's property, responsible for administering the master's assets according to the master's will and accountable for producing a return for the owner's purpose. We think about stewarding like, oh yeah, I have to steward my stuff. I have to steward my money well. No, we're missing stewardship. I'm not stewarding my stuff well. I'm stewarding God's stuff well. I'm not stewarding my money. Well, don't shout me down all at once. I'm not stewarding my money well. I'm stewarding God's money well. I'm called to do that. That's stewardship as a matter of fact, is not a subcategory of Christianity. Stewardship is Christianity. Christianity is stewardship. Everything I have, I don't own any of it.

It's all alone from God. And now I have to manage this the way God's would want me to manage this. That's stewardship and it's for all of us. (audience applauds) We're constantly, our language says otherwise. And we can't help it. Like it just happens. They say, I'm a homeowner. This is my car. Oh, that's my phone. Oh, that's my stuff. That's mine. It's a dangerous day in the household when the toddler learns the word mine. And yet some of us, we still use it all. We use it way too much. Mine, this is mine. And none of it is mine. No, it's God. It's not my car, it's God's car. If it's God's car, we should probably go clean it from time to time. If it's his, it's not my schedule. It's God's schedule. Well, then I think we should probably prioritize God somewhere in that schedule. This isn't my house. This is God's house. Well, then we should probably invite Jesus

into our house sometimes. If it's his house, it's not ours. Have I settled this question of ownership though? Because there's so much in us that's crying out that no, no, that's still ours. John Wesley was an incredible evangelist. Back in the 18th century. And he lived very radical with his thoughts on stewardship and everything with belonging to God. So much so that he was away preaching one time. And he's preaching fire. Man, people are getting saved. He comes off the platform and a messenger comes. Runs up to him and says, John Wesley, I have a message for you and it's I have bad news. That bad news, your house has burned to the ground. And right in that moment, John Wesley looks and processes that for a moment and he goes, I don't own a house. And the messenger looks like I was told that your house-- he said, I don't own a house. He said, oh, you mean God's house burned to the ground. Well, that's one less responsibility than for me to worry about on this life. Can you imagine being that radical in stewardship that you drive home from church today and it's ashes? And you go, ah, one mine anyway. That's a tough place to get to. Have I answered the question in my mind over ownership and everything belongs to God?

I like what A.W. Tozer said. He said, there's no doubt that the possessive sign, my, is the most damaging word in the human language. Look at this, he goes on to say, the moment we take the attitude that anything is ours, we have taken a step away from God. When Jesus says, in verse 13 of Luke 16 where we're at, when he says, you can't serve both God and money, he wasn't just money. The original Aramaic word there is really the spirit of money. What Jesus was saying is, is that this is a spiritual thing. Like, okay, I need you to hear me church. We're talking about budgeting, we're talking about helping. This problem of how we manage what God has trust, whether or not we're trustworthy for God, this problem will not be solved with spreadsheets and calculators. That's what this is a spiritual thing how we handle this. And so I want us to end today by praying spiritual prayers for freedom in this area. Some of us have let greed and greed is choking our spiritual life out and we don't even realize whose hands are around our neck. It's greed, it's consumerism, it's this desire for more, it's this mind, it's this selfishness. Come on, we're going to pray that that junk is released from our life. And so would you join me right now, every location, would you close your eyes? Father in Jesus' name, we pray for freedom. I'll bind and cast away right now every spiritual attack. Every wrong mindset, every selfish notion that any of it is ours. Lord, I come against, Lord forgive us for thinking that we did something to earn this. Lord, you're the one that gives our hands the ability to even produce any wealth. And so God, we just, we say, right now, collectively, I want you to pray this, say, Lord, it's all yours, it's yours. Everything I am, you've trusted me with this. Lord, we want to be trustworthy. Lord, we want this trust to go both ways, that we could live a life and manage what you have seen fit to allow us to, to have what we want to manage this with you, with the way you would want us to, and that would glorify you. And I do just bind and cast down every work of hell right

now. And we pray for freedom, wisdom, oh, some you need wisdom in this area. Come on, ask for it right now. God, give us wisdom in the area of our finances. I pray that debt would be tackled and debt would be defeated in lives, but I pray that there would be freedom. I pray that conflict and stress would be lifted because we are handling this in your way. In Jesus' name.