"Purchases don't motivate us to make big life changes."

Episode Resources:

Bountiful episode: “Tips On Buying A Car” https://bountiful.transistor.fm/s15/7

Bountiful episode: “Self-Control With Our Finance” https://bountiful.transistor.fm/s14/10

Bountiful episode: “Things To Keep in Mind Before Getting a Pet” https://bountiful.transistor.fm/s13/11

Bountiful episode: “Buyer Beware” https://bountiful.transistor.fm/s13/10

Bountiful episode: “Should I Make That Big Purchase?” https://bountiful.transistor.fm/s12/11

Bountiful episode: “Penny Wise and Pound Foolish” https://bountiful.transistor.fm/s9/6

https://www.wisebread.com/buying-calendar

https://www.rd.com/list/the-best-time-to-buy-cheap-finds/

https://money.usnews.com/money/personal-finance/saving-and-budgeting/articles/the-best-time-of-year-to-buy-everything

https://accountinginsights.org/how-to-tell-if-you-can-afford-something/

Episode Resources:

https://www.investopedia.com/investing/importance-diversification/

https://www.forbes.com/sites/brettsteenbarger/2019/05/27/why-diversification-works-in-life-and-markets/

Episode Resources:

https://www.secretsofsuccess.com/blog/the-strangest-secret-earl-nightingale

Episode Resources:

https://thefinancialbrand.com/news/financial-education/financial-avoidance-the-fears-and-habits-holding-your-customers-back-189384

Episode Resources:

https://pfinance.substack.com/p/the-coast-of-financial-ignorance

"Am I pursuing a life of luxury or am I pursuing a life of righteousness?"

Episode Resources:

https://one2oneacademy.com/living-beyond-necessity-the-perils-and-pleasures-of-luxuries

https://www.history.com/articles/toilet-paper-hygiene-ancient-rome-china

Episode Resources:

https://www.verywellmind.com/money-dysmorphia-8713617

https://www.themoneypages.com/household-bills/money-dysmorphia-what-is-it-and-how-to-spot-the-signs/

https://www.creditkarma.com/about/commentary/gen-z-and-millennials-are-obsessed-with-the-idea-of-being-rich-and-it-could-be-leading-to-money-dysmorphia

https://www.mayoclinic.org/diseases-conditions/body-dysmorphic-disorder/symptoms-causes/syc-20353938

https://adaa.org/understanding-anxiety/body-dysmorphic-disorder

Episode Resources:
https://www.forbes.com/sites/truetamplin/2024/10/23/9-scary-personal-finance-mistakes-and-how-to-avoid-them/

Episode Resources:

• https://www.verywellmind.com/what-is-ghosting-5071864
• https://letsgrowleaders.com/2023/01/09/ghosting-at-work
• https://www.indeed.com/career-advice/career-development/isolated-at-work
• https://www.psychologytoday.com/us/blog/platonic-love/202209/7-secrets-to-making-friends-as-an-adult?msockid=2e7cb6b3840762af1a98a47a852b637f

Episode Resource:

• https://economictimes.indiatimes.com/wealth/borrow/financial-thumb-rules-follow-these-8-golden-rules-when-taking-a-loan/articleshow/106659964.cms?from=mdr

Episode Resources:

• https://believeinabudget.com/what-is-doom-spending-how-to-stop/
• https://www.vogue.co.uk/article/what-is-doom-spending
• https://en.wikipedia.org/wiki/Doomscrolling
• https://www.thesimplicityhabit.com/waiting-in-an-instant-gratification-world/
• https://money.usnews.com/money/personal-finance/spending/articles/what-is-doom-spending-and-how-can-you-avoid-it

Episode Resources:

• Other Bountiful 101 episodes:
  • Banking: https://thelightnetwork.tv/bountifuls3e8/
  • Credit Scores: https://thelightnetwork.tv/bountifuls3e13/
  • Retirement: https://thelightnetwork.tv/bountifuls7e2/
  • Buying a Car: https://thelightnetwork.tv/bountifuls7e4/
  • Cryptocurrency: https://thelightnetwork.tv/bountifuls9e15/
  • Investing: https://thelightnetwork.tv/bountifuls10e2/
  • Fiduciaries: https://thelightnetwork.tv/bountifuls15e6/
• https://www.equifax.com/personal/education/loans/articles/-/learn/co-signer-pros-and-cons
• https://www.bankrate.com/loans/personal-loans/im-a-loan-co-signer-what-are-my-rights
• https://consumer.ftc.gov/articles/cosigning-loan-faqs#what’s

Episode Resources:

• https://www.webmd.com/mental-health/signs-jealousy-envious
• https://www.verywellmind.com/what-is-jealousy-5190471
• https://www.wealthify.com/blog/how-to-stop-being-jealous-of-your-friends-finances
• https://www.nerdwallet.com/article/finance/5-ways-to-deal-with-money-envy

Larry Burkett is credited with this quote: “The only difference between saving and hoarding is attitude.” Savers find meaning in godliness while hoarders look for meaning in accumulation (Ecclesiastes 5:10). Savers know their security lies in God’s hands while hoarders set their hopes on the uncertainty of riches (1 Timothy 6:17). Savers are willing to give and to help, while hoarders tend to say, “be warmed and filled,” without giving people what they need (James 2:16, 1 John 3:17). Savers are wise while hoarders foolishly lay up treasure for themselves and are not rich toward God (Luke 12:20-21).

Episode Resources

• Bountiful Episode “Am I Stingy?” https://thelightnetwork.tv/bountifuls13e9/
• Bountiful Episode “Steward or Stingy?” https://thelightnetwork.tv/bs2e5/
• https://bethebudget.com/the-importance-of-saving-money/
• https://accountinginsights.org/understanding-money-hoarding-psychological-and-economic-impacts/
• https://goodsensemovement.org/when-does-saving-become-hoarding/

Resources:

• https://www.amazon.com/Crazy-Busy-Cure-productivity-people/dp/1529367085
• https://balancethroughsimplicity.com/how-to-simplify-your-calendar-and-be-more-intentional-with-your-time/

We are always dependent on God’s providence, blessings, and guidance, so every day is a great day to be thankful! But, are we giving thanks the way we should? In this episode, we look into one of the parables to learn from a bad example about doing thanksgiving wrong.

Resources:

• If someone displays these 10 behaviors, they’re a truly pretentious person – The Expert Editor
  https://experteditor.com.au/blog/if-someone-displays-these-10-behaviors-theyre-a-truly-pretentious-person/
• 5 Signs Contempt is Creeping into Your Relationship – Lakewood CO & Longmont CO
  https://selfcareimpact.com/5-signs-contempt-is-creeping-into-your-relationship

Resources:

• https://www.entrepreneur.com/growing-a-business/why-you-should-post-on-the-holidays-and-the-best-time-to/441318#:~:text=Since%20we%27re%20already%20closely%20connected%20to%20social%20media%2C,most%20common%20holidays%20to%20use%20that%20time%20off.
• https://thehealthycompulsive.com/compulsives-in-relationships/managing-holiday-expectations/
• https://www.masterclass.com/articles/feelings-of-inadequacy
  
  

We discuss this topic from the perspective of it becoming a career choice – what it entails, how it can become a career, and what to be aware of from a spiritual perspective.

Resources:

• https://www.shopify.com/blog/content-creator-business-model
• https://sproutsocial.com/insights/content-creator/
• https://www.soundstripe.com/blogs/what-social-media-platform-pays-the-most-in-2024
• What Is a Content Creator?
• https://www.forbes.com/councils/forbesbusinesscouncil/2022/11/29/what-they-dont-tell-you-about-being-a-content-creator
• https://www.mightynetworks.com/resources/content-monetization

We honor God when every aspect of our lives show integrity. We dishonor God when any aspect of our lives lacks integrity.

Resources:

• https://www.financialmentor.com/wealth-building/financial-commitment/are-you-living-in-financial-integrity/4219
• https://www.forbes.com/sites/timmaurer/2023/10/15/the-real-meaning-of-integrity-in-financial-planning

In this episode, we go into some examples of how zombie debt can go after you and some preventive measures we can take to avoid this type of scare.

Resources:

• “Money Lessons for Baby Boomers” (Bountiful S6E7) – The Light Network Bountiful episode where we talk about elder fraud
• “Don’t Be Fooled by Scams” (Bountiful S15E11) – The Light Network
• Debt collection | Consumer Financial Protection Bureau (consumerfinance.gov) To find examples of debt validation letters, etc.
• Consumer Advice | Federal Trade Commission (ftc.gov) To find info on how to protect yourself from scams
• Debt Scavengers and Zombie Debt | Nolo
• What Is Zombie Debt? – Ramsey (ramseysolutions.com)
• What Is Zombie Debt And How Do You Get Rid Of It? (cnbc.com)
• What is Zombie Debt? | Mass.gov
• https://www.investopedia.com/terms/z/zombie-debt.asp#:~:text=Zombie%20debt%20generally%20refers%20to,debt%20that%20does%20not%20exist.
• https://www.bankrate.com/personal-finance/debt/zombie-debt

Resources:

• Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More: Randy Alcorn: 8601400393284: Amazon.com: Books

How do you see money? Do you tend to be generous or miserly?
How do you use money? Are you usually impulsive or thoughtful?
How do you feel about money? Do you look at the security that increased wealth brings or do you focus on its dangers?
How do you approach money? Do you think mostly about the short-term benefits or do you consider its long-term impacts?

God’s spiritual blessings are a testament to our salvation, not his material blessings. Financial success is not an indicator of spiritual success. The money, property, and possessions we have in this life will one day disappear. But our faith, love, and hope will one day be fulfilled and come to a grand finale in eternity.

Resources:

• MBTI | The Myers-Briggs Company (themyersbriggs.com)

Sites to find objective information about charitable organizations:

• https://www.guidestar.org
• https://give.org
• https://www.charitywatch.org
• https://www.charitynavigator.org

Other resources referenced for this episode:

• https://www.nytimes.com/2013/11/08/giving/how-to-choose-a-charity-wisely.html
• https://www.lovetoknow.com/life/lifestyle/what-percentage-donations-go-charity
• https://www.councilofnonprofits.org/running-nonprofit/administration-and-financial-management/misunderstanding-overhead
• https://www.ted.com/talks/dan_pallotta_the_way_we_think_about_charity_is_dead_wrong?subtitle=en

In this episode, we discuss examples of financial milestones, some causes of anxiety of not meeting them, and what we can do to overcome that anxiety.

“Life isn’t a test where you have to score a 100 to pass. Mistakes will happen, and your ability to learn from your mistakes is more important than your ability to do everything perfectly.”

Resources:

• Key Financial Milestones You Should Be Hitting in Your 20s, 30s, 40s, 50s, 60s, and Beyond

Resources:

• https://midsonshort.com/the-cost-of-ambition/
• https://hbr.org/2020/04/how-ambitious-should-you-be#:~:text=My%20framework%20structures%20ambition%20into,desires%20of%20those%20we%20lead.

Quotes we referenced:

• “Money is a terrible master but an excellent servant.” (P.T. Barnum)
• “Money never made a man happy yet, nor will it. The more a man has, the more he wants. Instead of filling a vacuum, it makes one.” (Benjamin Franklin)
• “Beware of little expenses; a small leak will sink a great ship.” (Benjamin Franklin)
• “A wise person should have money in their head, but not in their heart.” (Jonathan Swift)
• “When prosperity comes, do not use all of it.” (Confucius)
• “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” (Edmund Burke)
• “Money is like manure. You have to spread it around or it smells.” (J. Paul Getty)
• “It’s not the man who has too little, but the man who craves more, that is poor.” (Seneca)
• “Not everything that counts can be counted, and not everything that can be counted counts.” (Albert Einstein)

Resources:

• “Is This Job Worth It?” https://thelightnetwork.tv/bountifuls5e3/

In this episode, we define tithing, discuss its similarities and differences to giving, and determine if it’s a standard for us today.

Tithing is referenced in many places throughout Scripture. Some references we made in this episode include Genesis 14:20, Genesis 28:22, Deuteronomy 14:22-26, Malachi 3:8-10, Matthew 23:23, Luke 18:9-14, and 2 Corinthians 9:7.

Christians are commanded to give, not simply tithe. We might use tithing as a temporary guideline, but our goal, intent, attitude, and actions are to give. There’s no such thing as a Venmo Christian.

Resources:

• Bountiful episodes related to this topic:
  • “The Truth About Giving”: https://thelightnetwork.tv/bountifuls3e14/
  • “Tips For Managing Your Money”: https://thelightnetwork.tv/bountifuls12e2/
  • “How Much Should I Give?”: https://thelightnetwork.tv/bountifuls1e15/

In this episode, we’ll talk about how we can know if we’re self-sabotaging and how we can get out of destructive habits and make sound financial decisions.

Resources:

• https://www.verywellmind.com/why-people-self-sabotage-and-how-to-stop-it-5207635
• https://www.forbes.com/health/mind/what-is-self-sabotage/
• https://www.amazon.com/dp/162656941X/ref=sspa_dk_detail_0?psc=1&pd_rd_i=162656941X&pd_rd_w=NOarZ&content-id=amzn1.sym.8c2f9165-8e93-42a1-8313-73d3809141a2&pf_rd_p=8c2f9165-8e93-42a1-8313-73d3809141a2&pf_rd_r=RNHYNCZK302SE3A1V4XY&pd_rd_wg=bJ94M&pd_rd_r=846608ab-db30-4e09-b311-5e341364252a&s=books&sp_csd=d2lkZ2V0TmFtZT1zcF9kZXRhaWw

1. Pack light. It is liberating to have less.
2. Enjoy the journey. Traveling is more than just going from one destination to another.
3. Be a local. Walk around the area. Adventure is no more dangerous than routine.
4. Pack your patience. “You can complain about the wind, or you can adjust the sails.”
5. Never stop learning. Saint Augustine is credited with the saying, “The world is a book, and those who don’t travel read only one page.”

Resources:

• wetrainpreachers.com

1. Keep going even when it’s inconvenient.
2. Doing something is always better than doing nothing.
3. It’s better unscripted. You can’t control everything.
4. It works better when the load is shared.
5. Look back and see your growth if you can do so without judging your situation harshly.
6. Reexamine your strategy.

Resources:
https://veritysangan.com/should-i-quit-my-podcast-and-how-to-quit-gracefully/

Regardless of what mortgage rates do, remember this world is not our home. Even if you don’t get your dream home on earth, don’t let it discourage you to the point where you forget about your dream home in heaven. Jesus paid the price for that eternal home, making it affordable for everybody. Our part is to apply for that spiritual mortgage and stay faithful to our obligation to the Lord.

Resources:
https://money.usnews.com/loans/mortgages/articles/historical-mortgage-rates
https://www.macrotrends.net/2015/fed-funds-rate-historical-chart
https://www.nerdwallet.com/article/mortgages/pros-cons-adjustable-rate-mortgages

Resources:
https://www.lads2leaders.com

https://www.forbes.com/sites/davidrae/2023/11/21/what-is-the-average-retirement-savings-by-age/?sh=3f70a5a7fdad

https://www.youtube.com/watch?v=gJdBNYWG4a0

https://www.businessinsider.com/personal-finance/average-american-debt#:~:text=The%20average%20debt%20in%20America,has%20the%20lowest%20at%20%2464%2C320.

https://www.debt.org/faqs/americans-in-debt/demographics

https://www.nerdwallet.com/article/banking/data-2023-savings-report

https://www.empower.com/the-currency/money/research-americans-daily-spending

https://www.definefinancial.com/blog/charitable-giving-statistics/

Dale Hubbert joins us for this episode to discuss values-based investing (VBI). This type of investing helps us be more intentional with our long-term savings by aligning our investments with our moral and spiritual convictions. VBI gives Christians the ability to screen out things we would not want to support and elevate companies seeking to do things that are wholesome for humanity.

Episode Resources

• Bountiful episode “Identity Theft” https://thelightnetwork.tv/bountifuls8e6/https://www.cisa.gov/news-events/news/choosing-and-protecting-passwords
• https://consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams
• https://consumer.ftc.gov/articles/what-know-about-romance-scams
• https://www.fdic.gov/resources/consumers/consumer-news/2021-10.html
• https://www.nerdwallet.com/article/finance/how-to-stay-safe-from-financial-scams
• https://consumer.ftc.gov/consumer-alerts/2023/08/did-someone-insist-you-pay-them-cryptocurrency#:~:text=Bitcoin%20and%20Ether%20are%20some,usually%20can’t%20be%20reversed

Resources:

• https://www.scienceofpeople.com/how-to-set-boundaries/
• https://www.helpguide.org/articles/relationships-communication/setting-healthy-boundaries-in-relationships.htm
• https://www.hollyscherer.com/boundaries/

The passages we review are:

• Luke 12:1 – “Beware of the leaven of the Pharisees, which is hypocrisy.”
• Luke 12:6-7 – “Are not five sparrows sold for two pennies? And not one of them is forgotten before God. Why, even the hairs of your head are all numbered. Fear not; you are of more value than many sparrows.”
• Luke 12:15 – “Take care and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.”
• Luke 12:35 – “Stay dressed for action and keep your lamps burning.”

Episode Resources

• “Bountiful 101: Introduction to Cryptocurrency” (Bountiful S9E15) – The Light Network
• “How To Build a Budget” (Bountiful S15E3) – The Light Network
• “Bountiful 101: Introduction to Investing” (Bountiful S10E2) – The Light Network
• “Signs of Good Financial Health” (Bountiful S1E12) – The Light Network
• “Making an Effort” (Bountiful S12E3) – The Light Network
• Financial Illiteracy Statistics: Recent Data, Causes & Solutions | NFEC (financialeducatorscouncil.org)
• According to the National Financial Educator’s Council, financial illiteracy is, “Lacking the skills and knowledge on financial matters to confidently take effective action that best fulfills an individual’s personal, family and global community goals.”
• What Is Financial Literacy? (thebalancemoney.com)
• The Balance indirectly defines financial illiteracy as “the inability to weigh the pros and cons of a money decision and confidently choose what to do.”
• BLOG: How to sacrifice short-term rewards for long-term benefits? (rsm.nl)
• Financial Literacy: Keep Your Money Tight and Right | Money Under 30
• The 5 Financial Illiteracy Mistakes to Avoid (thefinanceshub.com)
• https://money.usnews.com/money/personal-finance/family-finance/articles/worthwhile-online-personal-finance-courses

Episode Resources

• https://www.kbb.com/car-advice/10-steps-to-buying-a-new-car/
• https://www.consumerreports.org/cars/buying-a-car/how-to-buy-a-car-in-todays-challenging-market-a7648220054/
• Car Affordability Calculator: How Much Can You Afford? (moneyunder30.com)
• Our Top 7 New Car Buying Tips | Bankrate
• 10 Tips for Buying Your First Car | FINN
• Test Driving a Car: A Checklist of What To Look For – Kelley Blue Book (kbb.com)

Episode Resources

• Other Bountiful 101 episodes:
  • Banking: https://thelightnetwork.tv/bountifuls3e8/
  • Credit Scores: https://thelightnetwork.tv/bountifuls3e13/
  • Retirement: https://thelightnetwork.tv/bountifuls7e2/
  • Buying a Car: https://thelightnetwork.tv/bountifuls7e4/
  • Cryptocurrency: https://thelightnetwork.tv/bountifuls9e15/
  • Investing: https://thelightnetwork.tv/bountifuls10e2/
• https://www.consumerfinance.gov/ask-cfpb/what-is-a-fiduciary-en-1769/
• https://www.nerdwallet.com/article/investing/fiduciary
• https://www.forbes.com/advisor/l/top-fiduciary-financial-advisors
• https://www.nerdwallet.com/article/investing/types-financial-advisors
• https://smartasset.com/financial-advisor/what-is-fiduciary-financial-advisor
• https://www.stimmel-law.com/en/articles/fiduciary-duty
• https://www.legalzoom.com/marketing/estate-planning/power-of-attorney

Episode Resources

• Bountiful episode “3 Ways To Be A Better Saver” https://thelightnetwork.tv/bountifuls9e9/
• Bountiful episode “Introduction to Investing” https://thelightnetwork.tv/bountifuls10e2/
• https://www.forbes.com/advisor/banking/savings/american-savings-statistics/
• https://www.forbes.com/sites/forbesfinancecouncil/2021/09/21/what-is-your-money-mindset/?sh=2a1fd2f25431
• https://www.amazon.com/Psychology-Money-hardback-Timeless-happiness/dp/0857199099/ref=asc_df_0857199099/?tag=hyprod-20&linkCode=df0&hvadid=509245866633&hvpos=&hvnetw=g&hvrand=5428965949993914906&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9013096&hvtargid=pla-1069316315471&psc=1&mcid=c029fde810cb3f2d96720aa29c2a22bb&gclid=CjwKCAiAt5euBhB9EiwAdkXWO9tc8B6JP_OFTNH2GL5asGxCwukjBOBBVl8p4ARtsTjHJ6EvC9ZqvhoCHh4QAvD_BwE
• https://www.nerdwallet.com/article/banking/high-interest-savings-account
• https://www.businessinsider.com/personal-finance/savings-goals

Episode Resources

• https://www.rentdata.org/states/2024/
• https://careerlifechoices.com/how-to-cope-with-the-unexpected/
• https://www.self.inc/blog/unexpected-expense
• https://www.moneycrashers.com/types-unexpected-expenses-plan/

Episode Resources

• https://www.thepennyhoarder.com/budgeting/budgeting-statistics/
• https://www.thepennyhoarder.com/budgeting/budgeting-tips/
• https://dfr.oregon.gov/financial/manage/pages/budget.aspx
• https://www.thebalancemoney.com/how-to-make-a-budget-1289587#:~:text=Track%20expenses%20regularly,income%20or%20expenses%20have%20changed
• https://consumer.gov/managing-your-money/making-budget
• https://www.biblemoneymatters.com/avoid-the-distractions-and-keep-your-focus-on-your-goals-or-youll-end-up-with-empty-pockets/

Episode Resources

• Bountiful episodes related to this topic:
  • “Should I Love Money Or Hate It?” https://thelightnetwork.tv/bountifuls14e1/
  • “Joy In All Financial Circumstances” https://thelightnetwork.tv/bountifuls14e2/
  • “Overcoming Financial Stress” https://thelightnetwork.tv/bountifuls14e3/
  • “Being Patient With Ourselves” https://thelightnetwork.tv/bountifuls14e5/
  • “There’s Always Room For Kindness” https://thelightnetwork.tv/bountifuls14e6/
  • “Living The Good Life” https://thelightnetwork.tv/bountifuls14e7/
  • “Is Money Something You Can Count On?” https://thelightnetwork.tv/bountifuls14e8/
  • “Gentleness And Money” https://thelightnetwork.tv/bountifuls14e9/
  • “Self-Control With Our Finances” https://thelightnetwork.tv/bountifuls14e10/

Episode Resources

• Thanksgiving 2022 episode: https://thelightnetwork.tv/bountifuls12e10/
• Thanksgiving 2021 episode: https://thelightnetwork.tv/bountifuls10e10/
• Thanksgiving 2018 episode: https://thelightnetwork.tv/bountifuls4e13/
• Thanksgiving 2017 episode: https://thelightnetwork.tv/bountifuls2e14/
• https://www.verywellmind.com/how-and-why-stop-complaining-3144882#:~:text=Complaints%20can%20be%20a%20signal,replacing%20them%20with%20positive%20ones.
• https://hackspirit.com/signs-youre-in-a-relationship-with-a-chronic-complainer/

Episode Resources

• Bountiful episode “Is This Job Worth It?” https://thelightnetwork.tv/bountifuls5e3/
• https://www.apa.org/topics/personality/willpower-finances
• https://www.forbes.com/sites/brianboswell/2023/01/30/8-ways-to-take-control-of-your-spending-that-really-work/?sh=2cc080b55b2a
• https://hbr.org/2022/05/switching-jobs-heres-how-to-make-sure-you-wont-regret-it
• https://www.sofi.com/learn/content/getting-a-second-job/

Episode Resources

• https://www.linkedin.com/pulse/treat-others-respect-matter-what-subhan-sharif/
• https://www.nytimes.com/2017/06/24/fashion/fear-of-failure.html#:~:text=“What%20we%27re%20trying%20to,out%20of%20the%20learning%20experience.

Episode Resources

• Bountiful episode: “Starving for More” https://thelightnetwork.tv/bountifuls6e3/
• Bountiful episode: “I Want That!” https://thelightnetwork.tv/bountifuls11e7/
• https://medium.com/@snehagurpur/what-is-a-perfect-life-9d5a7e7a454a
• http://www.planetofsuccess.com/blog/2016/what-is-the-good-life/#:~:text=In%20its%20basic%20form%2C%20living,from%20that%20which%20you%20do.
• https://www.tyndale.com/sites/unfoldingfaithblog/2020/03/05/living-the-good-life-what-god-has-to-say-about-wealth-and-money/

1. There’s always room for kindness in our budget. Kindness ought to be a forethought rather than an afterthought.
2. Being kind doesn’t give us permission to be mean. Our financial faithfulness is about the attitude more than the amount.
3. Being kind doesn’t require us to go broke. Our financial situations have limits, and it’s okay to respect those boundaries.

“Always be a little kinder than necessary.” (James M Barrie)

Episode Resources

• https://preacherpollard.com/2012/07/12/kindness-but-not-so-random/
• https://ftc.co/resource-library/blog-entries/jerks-for-jesus/
• https://www.sixfiguresunder.com/random-acts-of-kindness-for-any-budget/
• https://wealthfulmind.com/why-is-kindness-important-reasons-why-it-matters/

Episode Resources

• Bountiful episode “Little By Little” https://thelightnetwork.tv/bountifuls13e7/
• Bountiful episode “Six Tips For Managing Your Money” https://thelightnetwork.tv/bountifuls12e2/
• Bountiful episode “I Want That” https://thelightnetwork.tv/bountifuls11e7/
• Bountiful episode “The Power of Patience” https://thelightnetwork.tv/bountifuls1e10/
• https://www.csmonitor.com/Business/The-Simple-Dollar/2011/0928/Straightening-out-your-finances-Be-patient

Episode Resources

• “Run With the Horses” book which quoted Pliny the Elder: https://www.amazon.com/Run-Horses-Quest-Life-Best/dp/083083706X

1. Stay positive. God will take care of you (Psalm 37:25)
2. Prioritize. It’s impossible to accomplish everything all at once.
3. Pause. Don’t get swept up by the rat race.
4. Parler (French for “speak” or “talk”) about your financial situation with someone you trust.
5. Pray, because that’s how we can find peace among the stress (Phil 4:7)

Episode Resources

• Bountiful episode about communicating with your spouse about money: https://thelightnetwork.tv/bountifuls2e8/
• Bountiful episode about communicating about money in general: https://thelightnetwork.tv/bountifuls1e5/
• Bountiful episode about the benefits of talking about money: https://thelightnetwork.tv/bountifuls8e10/
• Bountiful episode about prioritizing financial goals: https://thelightnetwork.tv/bountifuls9e1/
• https://www.apa.org/news/press/releases/stress

Episode Resources

• https://www.verywellmind.com/why-cant-i-be-happy-6891279#:~:text=A%20Word%20From%20Verywell%20Mind,take%20time%20for%20self%2Dcare

Episode Resources

• https://www.linkedin.com/pulse/does-god-love-hate-money-jose-serpa#:~:text=God%20is%20emotionally%20indifferent%20to%20money.&text=He%20seems%20to%20understand%20that,Liked%20or%20disliked.
• https://www.wisebread.com/do-you-love-money-or-hate-it-either-way-youre-sick

Episode Resources

• https://www.northcountrysavings.bank/blog-article/6-summer-savings-tips-tricks-make-most-season
• https://www.nerdwallet.com/article/finance/how-to-have-a-fun-summer-when-your-finances-fall-short
• https://www.mystayathomeadventures.com/how-to-save-money-this-summer/
• https://frozenpennies.com/summer-budgeting-tips/
• https://www.energy.gov/energysaver/spring-and-summer-energy-saving-tips

Episode Resources

• https://blog.umb.com/personal-banking-tips-financial-considerations-before-adopting-a-pet/
• https://www.investopedia.com/articles/pf/06/peteconomics.asp
• https://www.forbes.com/advisor/pet-insurance/pet-ownership-statistics/#:~:text=to%20pet%20ownership%3A-,As%20of%202023%2C%2066%25%20of%20U.S.%20households%20(86.9%20million,acquired%20pets%20during%20the%20pandemic.

Episode Resources

• https://money.com/deal-alert-online-shopping-tricks-saving/
• https://www.choice.com.au/shopping/everyday-shopping/supermarkets/articles/supermarket-sales-tricks
• https://www.wisebread.com/how-retailers-manipulate-you-into-spending
• https://moneymarshmallow.com/how-ikea-tricks-you-into-spending-more/
• https://www.feedough.com/consumer-awareness/#:~:text=Consumer%20awareness%20is%20the%20act,a%20matter%20of%20public%20welfare.
• https://www.shiksha.com/online-courses/articles/consumer-awareness/

Episode Resource

• Bountiful episode “is It Wrong to be Rich?” https://thelightnetwork.tv/bountifuls1e16/

Episode Resources

• Bountiful episode “The Power of Patience”: “The Power of Patience” (Bountiful S1E10) – The Light Network
• Patience Is the Most Underused Investing Skill – TheStreet
• A financial planner says a critical habit for building wealth seems obvious, but most people don’t do it | Markets Insider

Proverbs 13:11 – Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. Investments usually occur in small doses now so that, little by little, they grow  and benefit us in the future.

Episode Resources

• Bountiful episode – “Purposeful Possessions” https://thelightnetwork.tv/bountifuls1e6/
• Bountiful episode – “Intro to Investing” https://thelightnetwork.tv/bountifuls10e2/
• “Jesus Grew…” sermons by Melvin Otey – https://www.dalraida.org/podcasts/2018_jesusgrew.html
• https://www.indeed.com/career-advice/career-development/invest-in-yourself
• https://www.investopedia.com/terms/i/investment.asp

Episode Resources

• Bountiful episode – “Communicating About Money” https://thelightnetwork.tv/bountifuls1e5/
• Bountiful episode – “Communicating With Your Spouse About Money” https://thelightnetwork.tv/bountifuls2e8/
• https://www.npr.org/2021/08/16/1028081097/money-financial-intimacy-talk-relationship-advice
• https://www.forbes.com/sites/riankadorsainvil/2019/08/28/why-communicating-about-money-is-key-to-a-healthy-relationship-and-financial-future/?sh=199b01b0749b
• https://library.ndsu.edu/ir/bitstream/handle/10365/5039/fs592.pdf?sequence=1&isAllowed=y

Episode Resources

• Bountiful episode: Net Worth Is Not the Basis for Self Worth https://thelightnetwork.tv/bountifuls1e4/
• Bountiful episode: When Net Worth Is Worthless  https://thelightnetwork.tv/bountifuls4e3/
• Bountiful episode: Is Your Career Your Identity? https://thelightnetwork.tv/bountifuls6e2/

“Money often costs too much.” – Ralph Waldo Emerson

It’s important we understand the true value and nature of money because:

• How we value money has far-reaching, long-lasting impacts
  • If we view money as our boss, our security blanket, our measuring stick, or the object of our affection, it can cause all kinds of problems in our lives. Money wasn’t intended to fulfill any of these roles.
• The true value of money is only temporary
  • Money is temporary but God is eternal.
  • You can’t take it with you – don’t let it overtake you.
• We should invest it wisely
  • Lay up for ourselves treasures in heaven
  • Using our material blessings to glorify God will always be a worthwhile investment with

Episode Resources

• https://www.becomingminimalist.com/money-quotes/
• “In Money We Trust”  https://thelightnetwork.tv/bountifuls1e2/
• “What Role Does Money Play in Your Life?” https://thelightnetwork.tv/bountifuls9e4/

In this episode, we discuss how financial matters matter to God because of how important we are to Him.

Episode Resources

• A sample of Scriptures about money:
  • Deuteronomy 8:18;
  • Psalm 37:25; 49:16-20; 50:7-15; 62:10;
  • Proverbs 3:9-10; 11:28; 13:11; 18:11; 19:17; 22:7; 23:4-5; 30:8-9;
  • Ecclesiastes 4:4-6; 5:10;
  • Matthew 6:19-21; 13:22;
  • Mark 4:18-19;
  • Luke 12:20-21; 16:10-13;
  • Acts 20:35;
  • 1 Timothy 6:6-10, 17-19;
  • Hebrews 13:5-6
• “Do Financial Matters Really Matter?” https://thelightnetwork.tv/bountifuls1e1/
• https://www.heysigmund.com/why-what-you-focus-on-is-what-becomes-powerful-why-your-thoughts-and-feelings-matter/

Episode Resources

• https://www.hopkinsmedicine.org/news/stories/ten_tips_for_enjoying_holidays.html

Episode Resources

• https://www.forbes.com/sites/theyec/2020/03/11/14-things-to-consider-before-making-a-major-purchase/?sh=a64c471674c7
• https://www.cnbc.com/select/questions-to-ask-yourself-before-making-a-big-purchase/
• https://www.goodfinancialcents.com/5-questions-to-ask-yourself-before-you-buy-something/
• https://www.thebalancemoney.com/before-you-make-large-purchases-2385817

“Reflect upon your present blessings – of which every man has many – not on your past misfortunes, of which all men have some.” – Charles Dickens

Episode Resources

• “Grateful and Thankful” – https://thelightnetwork.tv/bountifuls2e14/
• https://www.countryliving.com/life/g29536898/thankful-quotes/
• https://blog.gratefulness.me/how-to-feel-grateful-when-you-dont/ 

In this episode, Gary & Christy discuss some principles to improve our time management.

Episode Resources

• Another Bountiful episode about Time & Money: https://thelightnetwork.tv/bountifuls3e6/
• Where to find Master Your Time, Master Your Life by Brian Tracy – https://www.amazon.com/Master-Your-Time-Life-Breakthrough/dp/0399183825/ref=sr_1_1?ie=UTF8&qid=1520091052&sr=8-1&keywords=manage+your+time+manage+your+life

Episode Resources

• https://thepointsguy.com/guide/best-time-to-book-a-flight/
• https://ordinarytraveler.com/best-travel-tips
• https://www.nationwide.com/lc/resources/home/articles/travel-safety-tips
• https://www.moneytalksnews.com/14-super-smart-ways-save-travel/
• https://www.theunconventionalroute.com/travel-tips-and-tricks/

Episode Resources

• https://www.nerdwallet.com/article/finance/do-you-want-it-or-are-you-sad-how-feelings-affect-finances
• https://www.nerdwallet.com/article/finance/why-managing-your-money-starts-with-your-emotions
• https://due.com/blog/avoid-letting-emotions-control/
• https://kahlerfinancial.com/financial-awakenings/money-psychology/the-emotional-aspect-of-sound-money-decisions
• https://www.theheavypurse.com/7-emotions-and-their-affect-on-your-finances/
• https://www.biblemoneymatters.com/how-to-keep-your-emotions-from-controlling-your-finances/

Episode Resources

• https://thelightnetwork.tv/bountifuls3e13/ – Episode about credit score basics
• https://thelightnetwork.tv/bountifuls6e7/ – Episode about how to protect yourself from scams
• https://www.myfico.com/credit-education/whats-in-your-credit-score
• https://www.annualcreditreport.com/index.action
• https://www.americanexpress.com/en-us/credit-cards/credit-intel/credit-score-ranges/
• https://www.thebalancemoney.com/maintain-good-credit-score-960513

Proverbs 3:25-26: Do not be afraid of sudden terror or of the ruin of the wicked, when it comes, for the LORD will be your confidence and will keep your foot from being caught.

Episode Resources

• https://www.investopedia.com/articles/retirement/06/10secureretirementtips.asp
• https://www.moneyunder30.com/six-and-a-half-steps-to-financial-stability

1. Know your financial situation. It’s important to know, based on actual numbers, how we stand financially. How much interest is our debt accruing? How are our investments growing?
2. Set goals. Create a financial plan with dollar amounts, a time-frame, and steps you can take to reach your goals.
3. Make sure you’re giving as you’re prospering. Again, check the numbers to verify your giving divided by your income is where you’d like it to be.
4. Look out for opportunities. Be observant & make up your mind to take advantage of opportunities when they show up.
5. Commit. There will be distractions and temptations to pull you away. If you’re committed to improving your stewardship, it’ll be easier to overcome these obstacles.
6. Don’t allow discouragement to win. If you normally allow setbacks to get the best of you, be patient with yourself and practice looking at problems optimistically.

Episode Resources

• https://www.fscb.com/blog/7-money-management-tips-to-improve-your-finances
• https://www.thebalance.com/ways-to-be-better-with-money-960664
• https://www.indeed.com/career-advice/career-development/finding-opportunities

Episode Resources

• https://www.businessnewsdaily.com/8156-future-of-remote-work.html%0A
• https://explodingtopics.com/blog/remote-work-trends
• https://fortunly.com/statistics/work-from-home-statistics/#gref
• https://www.linkedin.com/news/story/workers-are-winning-the-wfh-battle-5918746/
• https://www.pewresearch.org/social-trends/2022/02/16/covid-19-pandemic-continues-to-reshape-work-in-america/
• https://siepr.stanford.edu/publications/work/great-resistance-getting-employees-back-office
• https://www.indeed.com/career-advice/finding-a-job/the-pros-and-cons-of-working-from-home 
• https://www.forbes.com/sites/bryanrobinson/2022/02/01/remote-work-is-here-to-stay-and-will-increase-into-2023-experts-say/?sh=788848da20a6

Episode Resources

• https://www.forbes.com/advisor/personal-finance/financial-documents-what-to-save-what-to-throw-away/
• How Long to Keep Important Documents Before Shredding Them (bankofamerica.com)
• How Long to Keep Tax Records and Other Documents – Consumer Reports
• How Long Should You Keep Financial Records | Clever Girl Finance
• How to Organize Your Important Documents | RamseySolutions.com
• The 4 Best Home Safes in 2022 (insider.com)
• The Best Home Safes of 2022 | SecurityNerd

Episode Resources

• Episode about “Signs of Good Financial Health” – https://thelightnetwork.tv/bountifuls1e12/
• Financial wellness: What it is and how to get it (betterup.com)
• Financial Health Calculator – NerdWallet
• How To Have Better Financial Health in 2022 – Forbes Advisor INDIA
• Bad Money Habits To Drop, Good Money Habits To Build (clevergirlfinance.com)

Inflation has been around since the time of Solomon (1 Kings 10:21). The God who blessed his kingdom then blesses the kingdom of heaven today. Our Creator is also our Sustainer. No matter our financial situation, whether we’re struggling with higher prices or still able to make ends meet, God always sees His people through.

Episode Resources

• Bountiful episode about asking for a raise: https://thelightnetwork.tv/bountifuls6e1/
• Bountiful episode about financial storms: https://thelightnetwork.tv/bountifuls11e2/
• https://www.investopedia.com/articles/01/021401.asp
• https://www.weforum.org/agenda/2019/06/inflation-is-healthy-for-the-economy-but-too-much-can-trigger-a-recession-7d37501704
• https://abcnews.go.com/Business/americans-inflation-hits-30-year-high/story?id=81110162
• https://www.forbes.com/advisor/investing/what-are-i-bonds/
• https://www.schwab.com/resource-center/insights/content/treasury-inflation-protected-securities-faqs-about-tips
• 7 Effects of Inflation & How to Protect Yourself From the Consequences (moneycrashers.com)
• Timeless Ways to Protect Yourself From Inflation (investopedia.com)
• Inflation: Prices on the Rise (imf.org)
• Inflation: How It’s Measured and Managed (thebalance.com)
• Inflation Dictionary: Your Guide to the Jargon (thebalance.com)

Episode Resources

• Article we referenced during the show: https://www.printmag.com/branding-identity-design/the-art-of-borrowing-a-100-day-project/
• https://www.quickanddirtytips.com/relationships/etiquette-manners/how-to-politely-borrow-something
• https://www.quickanddirtytips.com/relationships/etiquette-manners/proper-car-borrowing-etiquette
• https://dosaygive.com/the-etiquette-of-borrowing/
• https://kiwienergy.us/why-borrowing-is-one-of-the-most-environmentally-friendly-things-to-do/
• https://www.powerofpositivity.com/integrity-traits/

Episode Resources

• https://www.thebalance.com/how-to-budget-as-a-couple-2385692
• https://wealthofgeeks.com/managing-finances-relationship-builder/
• https://www.moneymanagement.org/budget-guides/combine-your-finances-after-marriage
• https://www.entrepreneur.com/article/295690

Episode Resources

• Previous ‘Bountiful” episodes related to “I Want That!”
  • Hedonism – https://thelightnetwork.tv/bountifuls6e3/
  • Shopping – https://thelightnetwork.tv/bountifuls1e8/
  • Overspending – https://thelightnetwork.tv/bountifuls4e14/
  • Patience – https://thelightnetwork.tv/bountifuls1e10/
  • FOMO – https://thelightnetwork.tv/bountifuls2e12-2/
• https://www.becomingminimalist.com/can-i-afford-it/
• https://moneyning.com/frugality/do-you-really-need-that-or-do-you-just-want-it/

Episode Resources

• https://www.paultripp.com/wednesdays-word/posts/too-many-christian-workaholics
• https://www.bcwinstitute.org/bcwi-resource/blog/7-danger-signs-of-workaholism/
• https://www.managersorbit.com/workaholic-vs-hard-worker/
• #4 – Workaholics, Listen Up! Sermon by Darrell … – Sermon Centralhttps://www.sermoncentral.com › sermons › 4-workaholic…
• Advice For Workaholics: 12 Helpful Ways To Attain Work-Life …https://www.forbes.com › sites › 2019/07/31 › advice-f…
• How to Be a Workaholic – wikiHowhttps://www.wikihow.com › Be-a-Workaholic
• How Being a Workaholic Differs from Working Long Hourshttps://hbr.org › 2018/03 › how-being-a-workaholic-diffe…
• Are You a Hard Worker or a Workaholic? | Inc.comhttps://www.inc.com › carolyn-cutrone-the-difference-b…

Episode Resources

• https://www.getrichslowly.org/the-guilt-of-wealth/
• https://www.huffpost.com/entry/time-management-tips-_b_5365403

Episode Resources

• https://www.wikihow.com/Ask-Your-Family-for-Money
• https://www.gofundme.com/c/blog/how-to-ask-for-help-with-money
• https://www.andymort.com/hard-asking-for-help/
• https://www.forbes.com/sites/forbestechcouncil/2021/07/21/how-to-ask-for-help/?sh=ab439327d539
• https://www.psychologytoday.com/us/blog/emotional-mastery/201904/what-makes-it-so-hard-ask-help

Episode Resources

• Related Bountiful episodes:
  • Overcoming Financial Discouragement – https://thelightnetwork.tv/bountifuls4e9/
  • Dealing With Unexpected Expenses – https://thelightnetwork.tv/bountifuls1e3/
• How To Overcome Financial Crisis As Christians | PRAYER POINTS (everydayprayerguide.com)
• How to Prepare For a Recession | Clever Girl Finance
• How to Handle the Stress of a Financial Crisis (verywellmind.com)
• 6 Tips for Handling Financial Stress (bankofamerica.com)

“Now and then, it’s good to pause in our pursuit of happiness and just be happy.” – Art Buckwold.

Episode Resource

• https://news.yahoo.com/americans-are-too-grumpy-131916541.html

Episode Resources

• https://www.mentalfloss.com/article/503890/7-non-monetary-donations-can-help-others-dream-big
• https://www.creditkarma.com/auto/i/donate-car-4-things-to-know
• https://www.usatoday.com/story/money/personalfinance/budget-and-spending/2017/10/27/13-ways-give-charity-without-breaking-your-budget/792720001/

1. I might need (this thing) later
2. I’ve already spent too much money on (this thing)
3. As long as I have room for (this thing) it’s okay to keep it
4. I’m too sentimental to be a minimalist

Episode Resources

• Bountiful episode about minimalism: https://thelightnetwork.tv/bountifuls2e1/
• Bountiful episode about intentionality: https://thelightnetwork.tv/bountifuls1e6/
• https://minimalism.co/articles/7-mental-roadblocks-to-minimalist-living
• https://www.webmd.com/balance/features/clutter-control
• https://www.becomingminimalist.com/how-to-simplify-your-stuff-and-honor-your-memories/

Episode Resources

• Bountiful episode with guest Dale Hubbert, a financial planner – https://thelightnetwork.tv/bountifuls4e8/
• Find a CFP: https://www.napfa.org/find-an-advisor
• https://toughnickel.com/personal-finance/The-Life-Cycle-of-Financial-Planning
• https://www.forbes.com/advisor/investing/what-is-a-financial-planner/
• https://www.moneyunder30.com/are-certified-financial-planners-worth-the-money
• https://retirecertain.com/pros-and-cons-of-using-a-financial-advisor/
• https://www.investopedia.com/managing-wealth/when-should-you-hire-financial-advisor/
• https://www.investopedia.com/articles/investing/100115/why-your-financial-advisor-should-be-cfp.asp
• https://www.cfp.net   

Episode Resources

• Related Bountiful episodes:
  • “The Wealth Gap” https://thelightnetwork.tv/bountifuls7e8/
  • “Net Worth Is Not the Basis for Self-Worth” https://thelightnetwork.tv/bountifuls1e4/
  • “When Net Worth is Worthless” https://thelightnetwork.tv/bountifuls4e3/
• Other resources:
  • https://positivemoney.org/2017/10/wealth-inequality/
  • https://keydifferences.com/difference-between-income-and-wealth.html
  • https://www.ramseysolutions.com/relationships/income-vs-networth
  • https://brandongaille.com/18-income-statement-advantages-and-disadvantages/

Episode Resources

• https://www.mentalhealth.gov/basics/what-is-mental-health
• https://www.moneyaftergraduation.com/mental-health-money/
• https://www.moneyunder30.com/depression-and-finances

Episode Resources

• Episode about credit card basics – https://thelightnetwork.tv/bs2e3/
• Episode about whether college is worthwhile – https://thelightnetwork.tv/bountifuls3e10/
• https://www.collegedata.com/resources/pay-your-way/whats-the-price-tag-for-a-college-education
• https://www.moneyunder30.com/7-tips-on-saving-for-college-as-a-teen
• https://www.savingforcollege.com
  
  

Episode Resources

• Bountiful episode about the Konmari method: https://thelightnetwork.tv/bountifuls7e5/
• Bountiful episode about Swedish death cleaning: https://thelightnetwork.tv/bountifuls6e13/
• https://makinglemonadeblog.com/25-clever-moving-hacks-to-make-your-move-easier/
• https://siraustinmovers.com/packing-tips-move/
• https://bysophialee.com/moving-hacks/
• https://www.pods.com/blog/2020/10/packing-moving-tips/
• https://www.moving.com/tips/change-address-checklist-who-to-notify-when-you-move/
• https://www.thebalance.com/moving-tips-for-selling-your-home-1798816
• https://www.thebalance.com/how-to-calculate-the-costs-of-relocation-4174726
• https://www.livingwellspendingless.com/how-to-let-go-of-stuff-guilt/
• https://www.moving.com/tips/12-tips-for-getting-to-know-your-neighbors/
• https://www.moving.com/tips/helping-hands-8-ways-kids-can-help-move/
• https://www.aarp.org/home-family/your-home/info-2021/things-to-throw-away.html

Warren Buffet is quoted as saying, “Someone’s sitting in the shade today because someone planted a tree a long time ago.” The goal of investing is to help us reap in later years the seeds of money we invest today. In this episode we define some terminology, talk about some types of investments, and provide some advice when it comes to investing.

Episode Resources

• Episode about retirement planning with Dale Hubbert – https://thelightnetwork.tv/bountifuls4e8/
• Other Bountiful 101 Episodes:
  • Banking: https://thelightnetwork.tv/bountifuls3e8/
  • Credit Scores: https://thelightnetwork.tv/bountifuls3e13/
  • Retirement – https://thelightnetwork.tv/bountifuls7e2/
  • Buying a Car: https://thelightnetwork.tv/bountifuls7e4/
  • Cryptocurrency: https://thelightnetwork.tv/bountifuls9e15/
• https://www.wellsfargo.com/goals-investing/saving-vs-investing/
• https://www.investopedia.com/articles/basics/06/invest1000.asp
• https://www.thestreet.com/static/25-rules.html
• https://www.investor.gov/introduction-investing
• https://www.fidelity.com/learning-center/trading-investing/trading/exit-strategies
• https://www.thebalance.com/where-to-take-profit-when-day-trading-exit-strategy-4117900
• https://www.nerdwallet.com/article/investing/investing-101
• https://www.wealthsimple.com/en-us/learn/investing-basics
• https://www.sofi.com/investing-101-center/
• https://www.fool.com/investing/how-to-invest/stocks/
• https://www.getsmarteraboutmoney.ca/wp-content/uploads/2018/02/infographic-How-time-horizon-affects-risk-and-return.pdf
• https://askanydifference.com/difference-between-investing-and-speculating/

• If I have money, then I’ll be accepted or feel like I belong
• If I give to others, then I will be in need
• Money can solve all my problems
• If I don’t succeed financially, then that must mean the Lord doesn’t care about me

Episode Resources

• https://chiefmomofficer.org/2019/04/26/personal-finance-societys-money-expectations/
• https://health.clevelandclinic.org/why-giving-is-good-for-your-health/
• https://www.christiantoday.com/article/3-reasons-why-money-wont-solve-all-problems/123022.htm

There’s been a lot of buzz in the financial world about cryptocurrency. In this episode, Gary & Christy talk about the legitimacy of cryptocurrency, its pros and cons, and then a few considerations when thinking about this topic.

Episode Resources

• https://www.consumer.ftc.gov/articles/what-know-about-cryptocurrency-and-scams
• https://www.nerdwallet.com/article/investing/cryptocurrency-7-things-to-know
• https://www.nerdwallet.com/reviews/investing/brokers/coinbase
• https://www.investopedia.com/terms/c/cryptocurrency.asp
• https://www.investopedia.com/ask/answers/121515/bitcoin-legal-us.asp
• https://bitcoin.org/en/
• https://www.thebalance.com/what-is-cryptocurrency-4778145
• https://en.wikipedia.org/wiki/Cryptocurrency
• https://www.cnn.com/2021/05/04/investing/cryptocurrency-how-to-invest/index.html
• https://www.pwc.com/us/en/cfodirect/publications/point-of-view/cryptocurrency-bitcoin-accounting.html
• https://www.pwc.com/us/en/industries/financial-services/fintech/bitcoin-blockchain-cryptocurrency.html
• https://www.worldatlas.com/articles/how-many-currencies-are-in-the-world.html

Episode Resources

• Julie’s first episode with us: https://thelightnetwork.tv/bountifuls6e10/
• The “dorky YouTube Video” we talked about: https://www.youtube.com/watch?v=rQwanxQmFnc
• https://www.linkedin.com/pulse/prepare-pandemic-job-interview-questions-andrew-seaman/
• https://hbr.org/2014/08/why-women-dont-apply-for-jobs-unless-theyre-100-qualified
• https://business.linkedin.com/talent-solutions/blog/diversity/2019/how-women-find-jobs-gender-report
• https://www.glassdoor.com/employers/blog/10-ways-remove-gender-bias-job-listings/

Episode Resources

• Link to purchase the book “Beyond the Tithe” – https://www.focuspress.org/product/beyond-the-tithe/

Episode Resources

• https://jstanier.medium.com/your-career-is-your-responsibility-391cafd0e1af
• https://www.linkedin.com/pulse/your-identity-wrapped-up-job-kelley-wacher/

Here are those principles we discuss in this episode:

1- Pay Attention.

2- Listen, listen, listen.

3- Think about that person’s past

4- Think about that person’s interests

5- Remember, it’s about them and what they like

6- Think about shared experiences

7- Give an experience instead of a tangible present

8- It’s the thought that counts

9- Just because it’s on sale doesn’t mean it’s the right gift

Episode Resources

• Katie shares her personal finance journal with us in this episode – https://thelightnetwork.tv/bountifuls3e7/
• https://www.theunconventionalroute.com/how-to-pick-gifts/
• https://www.realmenrealstyle.com/gift-buying-tips/

First, high savers spend less money on housing. Mortgage or rent payments are commonly the biggest expense in your budget, and there are a lot of factors to consider when deciding when, where, and whether to rent or buy.

Second, high savers spend less money on food. This includes groceries and eating at restaurants. Preparation and dedication are two keys to save money in this area. Meal plans can help reduce the cost of food, and sticking to the plan means less wasting food that we don’t get around to eating.

Third, high savers spend less money on transportation. In most of America, this includes the cost of a vehicle. Considering the age and size of a car impacts how much you’ll spend on one. Used vehicles that are smaller tend to be less expensive than newer or larger vehicles.

In this episode, Gary & Christy talk through these areas to provide some tips to help you save more.

Episode Resources

• https://www.nerdwallet.com/article/finance/better-savers-spend-less
• Related Bountiful episodes:
  • https://thelightnetwork.tv/bountifuls6e12/ – “Tips For Meal Planning”
  • https://thelightnetwork.tv/bountifuls4e14/ – “How To Stop Overspending.”
  • https://thelightnetwork.tv/bountifuls5e6/ – “Should I Rent or Buy?”
• https://www.thepennyhoarder.com/save-money/how-to-save-money-on-utilities/
• https://dontwastethecrumbs.com/saving-money-on-food/
• https://www.moneycrashers.com/save-transportation-costs/
  
  

1. Understand your insurance. What’s your deductible, out-of-pocket maximum, and premiums?
2. Ask for information up-front. If possible, get an estimate of the cost of a procedure or service & shop it around to get the best deal for you.
3. Know your prescription options. Sometimes you can use generic brands or OTC instead of a more expensive drug.
4. Analyze your bill. Request an itemized statement so you can verify that the charges make sense.
5. See if you can negotiate the amounts. This is especially important if you aren’t able to pay the entire bill at once.
6. Check into financial assistance. There may be a payment plan option available for you, but make sure your account will remain current while you make those payments.
7. Address the bills. Ignoring them or setting these expenses aside will not make them go away. And remember to be kind, patient, and honest through the process (Prov 11:17, 25:15, 28:18).

Episode Resources

• https://www.moneyunder30.com/paying-medical-bills-you-cant-afford
• https://www.daveramsey.com/blog/ease-the-burden-medical-debt
• https://www.thebalance.com/how-to-negotiate-medical-bills-1387808
• https://www.thebalance.com/how-medical-bills-affect-your-credit-report-4164507