How The Wealthy Use Debt To Get Rich (You Can Too)

What's up everybody? It's Rick Pino here with Get Wisdom. Have you ever wondered to yourself why the wealthy always seem to get more wealthy and those who are not wealthy seem to always go backwards? It's almost like this old saying, the rich keep getting richer and the poor keep getting poorer. Like, what's up with that? Why submit to you? This is actually a biblical concept. It's not about Republican or Democrat. This is about how God's kingdom works. And in today's video, we're going to be talking about how this concept boils down to two specific reasons. Number one is financial literacy, and number two, it actually comes down to debt. Debt. Yes. And I want you to know that not all debt is created equal. There's good debt, there's bad debt. We're talking all about this and more in today's video. Stay tuned, you don't want to miss this one. Let's talk about it. 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Guys, let's talk about why all debt is not created equal. Let's talk about why the rich keep getting richer and the poor keep getting poorer. We're actually going to dive in first. And I wanna read this passage to you today out of Matthew chapter 25, okay? And this is a somewhat familiar passage for some of you guys and gals about the parable of the talents. Okay? Matthew 25, starting at verse 14:30, I'm going to be reading out of the NIV. Let's just go through it. I know a lot of you guys and gals may have read this before, but I want to highlight a couple of specific things in this parable and in these passages that you may not have seen before, maybe not have even thought to consider before. And then I want to break down for you how this relates to the power of leveraging debt, okay? Like I keep saying, not all debt is created equal. There is good debt, there is bad debt. But I submit to you, I personally do not believe that God is against debt. Oh, my gosh, really? Let me show you why. And again, not all debt is created equal. Let's dive into it here. Parable of the talents, Matthew 25, starting at verse 14. Let's jump on in again. It will be like, sorry. The kingdom of heaven is like a man going on a journey who called his servants to him and entreated, entrusted his wealth to them. Pause right there. Okay, so first and foremost, all of these people in this parable here, they're the master's servants, okay? So the context here, it's not about, like, good people versus wicked people. This isn't like God's people versus unbelievers. The context here is because it's. The kingdom of heaven is like. So the context here is everyone that this parable is talking about, they're all God's people. Okay? Keep that in mind because of a very probably a dramatic and even controversial statement I'm going to make to you here in just a moment. But keep this in mind. This is not talking about the devil's people and God's people and the contrast between them. It's talking about God's people. All these people were the master servant. And then idea number two, I want to submit to you right off the bat from sentence number one, okay? The kingdom of heaven is like a man going on a journey who called his servants to him and entrusted his wealth to them. Okay? So I know a lot of times the parable, the talents, it's preached and it's taught like God's given everyone, you know, a talent. And maybe you're good at speaking, maybe you're good at sports, maybe you're good at juggling and whatever. And if you could be really good at your talent, you know God's going to do amazing things. Yes, the concept is there. Yes. But this specific parable is not just talking about the concept of faithfulness. And if you're faithful with little, you can multiply and be entrusted with more. This specific parable is literally talking about money. Okay? And as we go further here, I'm going to show you here, if you go and actually look up what was a talent in Biblical days, it was a measure of gold. Okay, so this isn't just like, hey, God gave you the talent of being a really good dad, or God gave you the talent of really being good at spreadsheets or whatever your talent is, right? Yes, it's that. But the literal context is talking about here is God's people being entrusted with the Master's money. Okay? And I'm going to show you here in a second why this isn't just like, hey, hold on to my money for me. The master is actually, he is loaning them money, which in AKA is other known as debt. Okay, let's keep going here. Track with me here. Verse 15. Okay? To one he gave five bags of gold. To another he gave two bags of gold. And to another he gave one bag of gold. This next part's very important. To each according to his own ability. Okay? If you wanna be entrusted with more, you need to grow your capacity. You need to grow your ability. God, we need financial breakthrough. Then start increasing your capacity for more when it comes to finances. Because the way that the kingdom works, at least the way that the Bible says that the kingdom works, okay, this was Jesus teaching us about this here. It's not just like, hey, you're a Christian, so you just get everything. Nuh. Just because you're a Christian, just because you're one of God's people, like the parable saying here, doesn't mean that God's just going to entrust you with everything. It's each according to their own ability. Because God the Father is a wise king. He understands if somebody doesn't have the capacity or the ability to, to steward a large amount, let alone a small amount, why in the world would he just go, hey, I'm just gonna dump everything out on you? Here's that miracle you've been praying for. Here's that breakthrough you've been wanting here. Boom. And just give it all to you when you don't even know how to manage a little bit. So while you are continuing to pray for more, don't just only pray for more. Begin to work on your ability, increasing your capacity to be able to steward more. Okay? Keep that in mind. When he gave five bags of gold one, he gave two bags of gold one. He gave one bag each according to his own ability. Then he went on his journey. The man who had received five bags of gold went immediately. Okay, I need you to drop that in the comments right now. Immediately. Okay, interesting. So the one who was entrusted with the most went immediately. That means they took massive Right now. Action. They weren't trying to like, well, let me pray about what I need to do. Praying is good. Please keep praying. But they weren't just like, he wasn't just sitting around, like, preparing to prepare to prepare to prepare so that one day he could be prepared. Okay. He took what was entrusted to him and immediately went and began to trade it. Okay. The one who was entrusted with two also went and began to trade. But the man who had received one bag went off, dug a hole in the ground, and hid his master's money. After a time, the master of those servants returned and settled his accounts. Pause right there. Here's another context clue as to why this isn't just like, hey, I'm going to just give you all this free money. Who cares? Like, I'm, I'm good. So I'm just going to pour out all this money and all these resources to you. No big deal. No, no, no. If somebody needed to settle accounts, what is that? A context clue of this Money that was lent to his servants was debt. Okay? This was debt. Keep that in mind. Let's keep going here. After a time, the master came, returned to his servants, and settled the accounts with them. Verse 20. The man who had received five bags of gold brought the other five. And he said, Master, you entrusted me with five bags of gold. See, I have doubled it. I've gained five more. Verse 21, his master replied, listen closely here. The master replied, well done, good and faithful servant. You've been faithful with a few things. Now I will put you in charge of many things. Come and share your master's delight. Now where in the world do we also see this language? Well done, good and faithful servant. Well, we see it here in the parable of the Talents. And we also see this exact same language. When a believer comes to the end of their life and they're standing at the judgment seat of heaven, okay? And sorry. At the judgment seat of the Father. And if they did a good job and they were found righteous, these words were spoken over the righteous, well done, good and faithful servant. So this servant here, who took the debt and took massive immediate action and doubled what was entrusted to him, the Bible literally calls him, well done, good and faithful servant. It's a sign that this person in this parable is relatable to a righteous person. Are you tracking with me so far? If you're tracking, let me know down in the comments. Say I'm tracking. Okay? Verse 22. The man with two bags of gold also came. Master, you entrusted with me with Two bags of gold and see, I have gained two more. The Master replied, well done, good and faithful servant. You've been faithful over a few things, now I will put you in charge of many things. Are you seeing a pattern here? Those who actually go and multiply what was entrusted to them. In the context here, it's the idea of money, not just like, hey, you're really talented at drawing, you're really talented at music. Yes, the concept, yes, but the literal thing that it's talking about here, those who were able to take the money that was entrusted to them, that they were indebted to the master for, went did business with the debt, grew the debt, and returned back not just what they owed, but they were able to pay back with interest. Continue on. Verse 24. But the man who had received one bag of gold came and said, master, I knew that you're a hard man and you want to reap where you've not sown. You want to harvest where you have not sown, you want to gather where you have not scattered seed. So I was afraid. Interesting. Because this person was afraid to go out and trade and do business with the money that was entrusted to him. This person decided, you know what? I'm not going to do anything with this money because I'm afraid. Since I was afraid, I went and hid your gold in the ground. Here, have what belongs to you. Watch this. And we're going somewhere with this today, y'. All. Verse 26. The master replied to him, you wicked and lazy servant. You knew that I harvest where I've not sown and I expect to gather where I have not scattered seeds. Well then you should have at least went and put the money down as a deposit with banker so that when I returned, I would at least have had it back with interest. He's saying, you should have at least went and made some kind of investment. Like you should have taken the money that was entrusted to you that you had debt with, and you should have invested it. Because now that you have not invested it, I'm not going to get any interest back on my money. And because of this, the Master says this in verse 28. So take the bag of gold from him who had won and give it to the one who has 10 bags of gold for whoever has. Now, by the way, this concept, the rich keep getting richer, the poor keep getting poorer. Like I said earlier, this is not a Republican or Democrat. This is not a political statement. This is a biblical kingdom statement on how not just the world works, but how the kingdom works. And let me submit this to you here. Verse 29, Matthew 25, verse 29. For whoever has will be given and entrusted more, and they will always have an abundance. But whoever does not have even what they do have will be taken from them and throw that worthless servant into the darkness. Pause right there. Okay, so here's the context that I wanted to lay out today. Before we jump into this idea, not all debt is created equal. Okay, before we jump in and dissect this idea of learning and increasing our financial ability to understand our financial capacity, our financial wherewithal, our financial literacy. Because remember, just because you're a believer doesn't mean that God's going to just pour out a ton of money on your life. No, no, no. It's each according to his or her ability. And if you don't have the ability, God's not going to entrust a lot to you. It's not my words. That's the Bible. Okay, so let's break this down here. Okay. Interesting to me that the one who took these funds, the one who took the debt and went and did business with the debt, did good business with the debt, multiplied the money and brought it back. The master called them good and faithful servant. AKA the master was saying, you are a righteous servant. But the one who only had one bag of gold and was scared to go invest, so they buried it in the ground. Like, I'm not, I'm not going to take on this debt. I'm not going to, I'm not going to go invest this debt. I want to be debt free. So they buried the debt in the ground and when the master returned to settle their accounts, they had nothing more to give back to the master. And the master calls those ones or those that that person wicked. Now I submit to you, Proverbs tells us that the wealth of the wicked has been laid up for the righteous. Now, for whatever reason, in church culture, all of us have had this understanding that God is going to take money from the bad people. And just because I'm a Christian, somehow supernaturally he's going to take money from the bad people and then he's going to give it to his people. And woohoo, the wealth of the wicked has been stored up for the righteous. And that's not how the kingdom works. Because like I just showed you in the parable of the talents, all of these people in this story were all God's people. This is not about wicked people and God's people and God taking money from the wicked and giving it to the Righteous. That's not the wealth of the wicked, sort of for the righteous. Not in this parable. It's not that God can't do that. It's not that God won't do that. It's that in this specific parable, in this specific context, it's not about God taking money from bad people, giving it to his people. This is about God saying, who of my people are going to stop being afraid when it comes to money, when it comes to debt? Who of my people are going to stop being religious when it comes to money, when it comes to debt? And which one of my people are going to take their ability, increase their capacity through their financial literacy, through their ability to be stewards and actually go do business with other people's money, AKA debt, AKA good debt. And I'm going to break this down here in a second. Who is willing to do that? Because whoever's willing to do that, I'm going to give you more. And whoever's not willing because you're too afraid, you're too religious, I'm going to take what you have and I'm going to give it to the ones who are actually out there being bold and courageous and learning the game, increasing their financial literacy and doubling and even tripling and quadrupling the funds that are entrusted to them because they are out there doing business in the marketplace. This is scandalous. So Rick, are you saying that the wealth of the wicked is stored up for the righteous is actually, at least in this context, about God taking like what his people have, who are not faithful to go do business, who are not faithful, they're too religious, they're too afraid to increase their financial capacity and taking from them and giving it to the ones who are not afraid, who are not religious, who are willing to take on some debt and go do business and make interest and double and triple and quadruple their money? Yes, that is what I'm saying in this specific context. The wealth of the wicked is laid it for the righteous. It's not about evil people and God's people. This is about God's people, period. All of them were the master's servant. Okay, why are you saying all this, Rick? What does this have to do with good debt versus bad debt? Thank you so much for asking. Come with me here to the board and let's talk about the three kinds of people that are in the world right now. No matter where you live. Man, woman, boy, girl. Okay, There are three kinds of people when it comes to wealth. And you right now, I don't even have to talk to you. I already know right now. You are in one of these three positions right now. And there's only one of these positions that you should be working towards. Let's talk about it. Come with me here to the board. Now, there are. Three kinds of people when it comes to finances. And really, there's only three. Let's say this line right here represents the baseline of zero, okay? This is where everyone starts. Everyone starts right here at zero, okay? And there are three kinds of people in the world. You have debtors, okay? Then you have savers, and then you have. Wealth creators, okay? Now, what is a debtor? I'm telling you this right now. The worst place that you could be in when it comes to wealth building, to multiplying your wealth, to building generational wealth, the worst place you can be in is to be a debtor. Because debtors, debtors have actually used other people's money to buy what's called liabilities, okay? And for those who don't know, a liability is something that costs you money. An asset is something that makes you money, in other words. And if you're taking notes, you can write this down or just drop it in the comments. Liabilities bleed you, but assets feed you. When you have more liabilities in your financial life than you have assets, guess what's happened? You have now become a debtor. This is one of the worst places to be because you are below zero. You're not even at zero. You're below zero because you are in debt. You have literally used other people's money to purchase things that you thought you were paying for one time when you bought the liability. But come to find out you actually are paying for these over and over and over and over every single month in the form of compounded bad interest, you're a debtor. This right here, my friend, is where the Bible is saying, owe no man anything except for the debt of love, okay? This right here, my friend, is where the Bible's talking about. The debtor is always a slave to the lender, okay? Whenever you enslave yourself to be trapped in the below zero zone, obviously the Bible is warning us against this. Obviously. But I need to tell you this again. Not all debt is created equal. Come back with me here to the board. Let's keep talking about this, okay? So if you're in this position right now as a debtor, I have good, good news for you. There's a way out. If you're a debtor, there's a way out, okay? Who's the next kind of person? Well, we talked about debtors. They're in bad consumer debt. They've used other people's money to purchase liabilities that have taken them below zero. They thought they were just paying once, but now they pay over and over and over every single month in the form of bad compound interest savers. This is where most people are at right now, okay? Savers are people, they've worked really hard to, quote, unquote, stay out of debt, okay? In fact, there's a whole movement online where people get out of debt and they go on a podcast or show and they have this big scream, we're debt free. Woohoo. You know, we paid off $100,000, we paid off $35,000, whatever it is, and they're screaming, we're debt free. Woo hoo. Well, congratulations. I'm glad that you're bad debt free. But those who are just savers who are doing their best to try to save their way to wealth, and they're like, oh, we don't have any debt, period. We're debt free. Hallelujah. Guess what? Debt free just means that you are back to zero. Yes, it's awesome that you're not down here in the red zone, of course that's awesome. But debt free just means you're back to zero. I don't know about you. Yes, zero is better than negative zero, but zero is not wealth building. And no matter how hard you work, no matter how hard you try, you're going to have a very, very difficult time trying to save your way to wealth. Guys, this is where most people are at right now. Most people are just trying to work hard, living paycheck to paycheck, trying their best to stay out of debt, to just stay at the baseline of zero. They have no clue how they're going to retire. They have none if any investments whatsoever. Little if any investments whatsoever. They don't understand financial literacy. They do a little bit better than the debtors, thank God, but they really don't know anything else except for what society and culture tells them. Work hard, sorry. Go to school, go to college, get a job, work hard, work 40 to 50 hours a week, clocking in, and hopefully after 40 or 50 years, if you worked hard enough, if you saved hard enough, maybe, just maybe, you might be able to quote, unquote, retire. This is where most people are and this is where most people are trying to get to if they are in the debtors category. Again, I don't know about you, I'm not Trying to just get to zero. It's better than negative zero, that's for sure. But this right here is not how you build wealth. By just staying at zero all the time, living paycheck to paycheck, hoping that you hoping and praying you don't get into bad debt. So guess what? The place that you should be working towards getting to is to this level right here. And this, my friend, this level is called wealth creation. How in the world do people get here? How? Are they just saving harder than the next guy? Are they working harder than the next guy? Like those people who make 10 times more money than you? Because they're out there. The people who make 50 times more money than you, the people who make 100 times more money than you, are they working 100 times more hours than you? No, that's not even possible, right? Are they working 100 times harder than you? That's not physically possible. So what are wealth creators doing that allows them to stay out of the red with bad debt, to not just camp out at zero as a saver and just celebrate? Woo hoo. We are debt free. And by the way, I just need to put this out there. There are people out there right now who they serve people in this category right here and they tell people, whatever you do, don't go into debt, do not go into debt, do not go into debt. Get debt free. Hurry up. All debt is created equal. Be debt free. Those people, I respect what they're doing, but they have built a business around helping debtors get back to zero. And how do I know this? Because the very people person that is out there telling people, stay out of debt, no matter what, get out of debt, don't go into debt, don't use credit cards, do not, whatever you do, do not get into any debt, period. Because all debt is terrible. Is the same person, is the same group who accepts credit cards on their website. It's like, wait a second, wait a second. You're literally preaching and telling us, don't go into debt, get out of debt. Whatever you do, cut up all your credit cards. All debt is created equal. If you have any debt whatsoever, it's terrible. And by the way, if you want to get trained, put your credit card in right here on my website and I will gladly take that money from you. Also, this person has recently come out on a number of different podcasts and they ask them, hey, how in the world do you have close to a billion dollars worth of real estate? And the person goes, oh, I use debt. Wait a second, you're the anti debt person and you have debt? Well yeah, I mean it's good debt. It's not like credit card debt. This is good debt. It's not debt that I purchase liabilities with that drains me on money. This is debt that I use that makes me money. Even this person, even this group, though they are publicly preaching don't go into debt. They're literally trying to serve the debtors to help them get back to zero. But they themselves, you better believe they're not a saver, they're a wealth creator. And how in the world do you become a wealth creator? I'm glad you asked me. There's two primary ways to become a wealth creator. Number one, Start and build a business. That's right. That person who's saying stay out of debt, chop up your credit cards, guess what? They have built a business. And that business is to help debtors get back to zero. We're debt free. Woo hoo. Cool. Congrats on getting back to zero. It's better than being negative zero. But the person who's serving them is collecting payments in the form of credit cards and they are doing wealth creation over here by building their business. But number two, and this is the one I want to talk about here, Wealth creators, we leverage good debt. What's the difference between bad debt and good debt? I'm glad you asked. Come with me here to the board and let me break this down for you. Okay, so let's talk about bad debt versus good. Let's say you have borrowed. We're going to use just round numbers, $100. Okay. And the interest payment on this hundred dollars is 5%. So that means when you have taken out this debt, when you have borrowed this money, it's called opm. Other people's money. Okay, when you have borrowed this money, the person who lent you this money, how are they going to make money? They're going to charge you a 5% interest on the money that they lent you. If you're taking notes, you can write this down. Someone's debt is another person's asset. Oh snap. Uh oh. What does that mean? It means the person who is lending you the hundred dollars in this situation, when you have received the money, it's become a debt to you, but it has now become an asset to them. Why? Because they're not just going to get their $100 back, they're going to get $105 back. That's how much you owe them. If the debt that you borrowed was agreed upon a 5% interest rate. So the person who lends the money, they're going to make five bucks for free off of every hundred if they lend you the money at 5%. Okay? Now here's where it looks like bad debt. This is what qualifies for bad debt. Let's say you were to take this money, this hundred dollars, okay? And not only do you have the 100, but you're going to owe back 105, okay? Let's say you take this money and you purchase. Oops, you purchase a liability. You're like, man, there's that new pair of shoes I really wanted. I'm going to put this, I don't have the active cash flow for this. I'm just going to put this on credit and I'm going to buy these shoes. And let's say the shoes were 100 bucks, okay? So guess what? The shoes didn't just cost you 100 bucks. The shoes costed you 105 bucks. And if you couldn't pay back the 105 because you use other people's money to purchase a liability, then guess what? If you can't pay back the 105 whenever it's due, they're going to slap you with compounded interest to where now you're going to have to start paying, especially if it's on a credit card, you're going to have to start paying 25, 27, 29% compound interest on the balance every single month. So now that pair of shoes initially costed you 100 and then initially costed you 105, but now it's compounding interest against you every single month because you used OPM other people's money to purchase a liability. If you're tracking with me, let me know in the comments. Say I'm tracking. How in the world can we turn this situation from bad debt into good debt? I'm glad you asked that. Come over here to the board and let me teach you how. Let's take this exact same situation and let's say someone lends you the hundred dollars, Oops, they lend you the 100 bucks. And they're also going to charge you 5% interest on your 100. Okay? So you now are going to owe back 105. Okay, same general math idea. But where is the difference between taking concept number one from bad debt and turning it into good debt? Well, let's say you were to take this hundred dollars, okay? And you were to invest it into an asset, okay? Maybe you took that hundred bucks and you purchase again. All of this is just theoretical. We're using smaller, rounder numbers so that you can get the concept. But let's say you use the money that you borrow and you purchased a piece of rental property with it, okay? So now people are paying you rent every single month, and it's enough for you to not only pay back your note, but you can pay interest. And here's the cool part. What if that asset is making you 10% interest on top of the hundred? So for every 100 that you borrowed from someone else, if you invested that hundred into an asset and the asset made you 10%, here's the math, you're still going to owe back the 105 because the lender, they've lent you 100, they want 5% back, okay? But because you used the money not to buy a liability, you used the money to purchase an asset. And let's say just again, general round numbers. This asset that you purchase with other people's money, with debt, is making you 10%. Okay? So that means you are going to make $110 off of the investment that you use from other people's money. Now, you're going to take that money that you made, you're going to pay back the 105, and guess what you have left over in this specific context with these round numbers, you have actually gained a $5 spread just by using other people's money wisely and investing it in a way that made you more interest than it costed you an interest. What are you getting this? Now if you're getting this, let me know down in the comments. I'm getting it. So what does this mean? What if you were to add a zero to that hundred? What if you were to add two zeros to that 100? What if you were to go out there and borrow $10,000? Okay, let's run this same play. What if you were to go out there and borrow $10,000 from somebody else's money, OPM, other people's money, and they're charging you the 5% interest, okay? So you're going to owe back. What is that, 10,500? Just square up on the math here. I believe that's right. Yep. So you're going to owe back 10,500. Okay. But what if you were to take that 10,000? This is very similar to what my wife and I did at the beginning of our financial journey. We took tens of thousands of dollars and we invested into the asset that was our financial literacy. We purchased coaching, we purchased mentorships. Okay. And we literally use other people's money to grow our capacity. Do you guys remember that? From the parable of the talents, Each according to his own capacity, each according to his own ability. We went and used other people's money, paid somebody who knew the game to teach us the game. Then guess what? We took that investment. And the first time we made that big investment from what we learned, six months later, we, we made $900,000 from what we learned from our first business coach. Now let me ask you a question. The roi, the return on the investment. Yes, we had debt. We were in debt, brother. But guess what? We used it to purchase assets. Financial literacy, coaching, mentorships. By the way, these aren't the only assets you could purchase, right? You can use other people's money to do real estate deals. You can use other people's money to purchase a small business that's already cash flowing. You could use other people's money to purchase more inventory for your business that you already have. So that way you can make even more sales and make even more money. And that way, yes, you still have to pay back the interest, in this case the 5%. But the goal here is, is to invest that money into an asset that makes you more than you owe. In mine and my wife's situation, we made hundreds of thousands of dollars off of borrowing tens of thousands. Our first mentorship program that we joined. Now, I don't know about you, but we were easily able to pay back all the debt. And not just that debt, any other debt we had, and we still had leftover to go and invest into more businesses and hire more coaches and get more mentoring and increase our capacity more. And here we are today, just a few short later, a few short years later, and we have generated tens and tens of millions of dollars in our businesses. And guess what? A lot of it is because of the principles found in the parable of the talents, each according to his own ability. God didn't just dump tens of millions of dollars onto us because we prayed hard enough, because we were good enough. I'm a son of the most high, so God owes me tens of millions of dollars. Hundreds of millions of dollars. No. He said, let me see if you can be faithful with this talent first. And then if you can, and you can multiply this, I'm going to entrust more. And then if you can be faithful with this, the more that I entrust to you, I'm going to entrust more. And here we are just a few short years later, and God has been entrusting tens and tens of millions of dollars to us. Why? Because we understand that not all debt is created equal. We understand the parable of the talons and we understand, yes, of course, you do not want to be a debtor. You do not want to owe on money that you've spent on liabilities. We understand. We don't just want to be savers. We don't want to just be living paycheck to paycheck. Woohoo. We're debt free. Hopefully one day out there we can, hopefully, somehow, we don't know how, but somehow we can make enough to quote unquote retirement. We don't want to be there either. Guess what my wife and I are doing along with all other wealth creators that I know, we are starting and building businesses and we are leveraging good debt. My friends, here's what I want you to know. If you are ready to go to the next level in your finances, you've been praying, you've been asking God, please understand this sobering reality. God is not just going to dump a whole bunch of stuff out on your life, resources and finances and blessing, et cetera, if you don't know how to steward a little bit. So here's what I would suggest for you. Here's your next action steps if you find yourself right now we're struggling, we can't get ahead. Maybe you're a debtor right now, maybe you're a saver, you're a little past debtor, but you're still at zero, just living paycheck to paycheck. We don't know how we're gonna make it work, but we're doing better than like having all this financial debt piled on us that costs us money every month. If that's you, here's what you need to do. Number one, you need to invest in yourself to grow your financial literacy. Instead of binge watching Netflix, you should start binge watching my videos here on YouTube. Other people's videos here on YouTube invest into coaching, mentorship courses. Consider joining me for my upcoming five day live virtual training. It's extremely affordable. The link is down below. Like I told you earlier, literally, I'm gonna spend five days with you and show you the game on how you can get started with digital products and especially if you're a beginner. And I'm gonna show you how to serve people at a high level so that you can begin to make passive money online. Click the link down below and join me for that one. It's coming up right around the corner and there's a ton of other places that you can get started. But the punchline is you must begin to grow your capacity. Cause if you don't, God will not entrust more to you. This is not just some miraculous God. We need a miracle. And God's gonna go find some wicked person and steal the money out of their bank account and just put it in yours. The wealth of the wicked stored up for the righteous. That's not how it works. God is saying, where are my people who are going to stop being religious, who are going to stop being fearful around the subject of money, around the subject of debt? They're going to learn the game. How many of y' all know that if you don't know the rules of the game, it's going to be very hard for you to win the game? Which one of my people are going to stop being fearful and religious? Around money, around finances, around the idea of debt. And understand not all debt is created equal. Understand that he who can be found faithful with little, I will entrust more. And one of the ways that you can be found faithful, increase your financial literacy. Go and begin to be that wealth creator. Start and build businesses. Learn how to leverage debt in a good way. To purchase assets, not liabilities, so that you can begin to grow and grow and grow and grow. And the more you do, God's going to go, hey, awesome job. Well done. Good and faithful servant. Here's even more. Friends, this is the game of good debt. This is the intro to it, of course. Listen, I hope you got a lot of value out of today's training. If you would like to continue to see more training like this, for me, all you gotta do is subscribe to the channel, hit the like button, leave a comment down below, let me know. If you want to continue to see more content like this from me, go check out that upcoming five day training. The link is down below. I would love to spend that time with you and show you even more in depth of how this incredible opportunity can work. And guys, thank you so much and we'll see you in the next training.