WEBVTT 1 00:00:00.000 --> 00:00:20.000 I'm going to let everybody in. 2 00:00:20.000 --> 00:00:40.000 Come on in, everybody, if you are able and want to. Please join us on with your beautiful. Hey, Amy. I wasn't sure if that was you or not. Welcome. Welcome, everybody. Hey, Michaela. Hey, Melinda. 3 00:00:40.000 --> 00:01:03.000 Hey, Jessica. Hey, JC. Hey, Whitney. Come on in if you're able. Go ahead. And we'd love to see your beautiful faces. Hey, Jessica. Good to see you. So we have. Hey, Amy. I saw you were talking to somebody right when you got on, but good to see you. 4 00:01:03.000 --> 00:01:22.000 So hello, everybody. Happy Friday. We've got something so special. I know. Can we just like raise the roof? We've got something so fun and so special for you today. And we know we don't usually do this. So and we know that Fridays, you know, are like hit or miss days. 5 00:01:22.000 --> 00:01:38.000 But we have something so, so special. And I was actually talking to our guests behind the scenes. And I am just so excited about her story. She actually has a lot in common with all of you and has like been through a lot. 6 00:01:38.000 --> 00:02:04.000 And I'm talking like 30 plus years in business, motherhood, homeschooling, biz. I said business, right? Internet. She's she's got a really powerful story that I'm excited for you all to hear. And then we're going to be talking about how to get out of debt. All right. And how to use debt, how to come up with different ideas. She's bringing all the goods for you today. Okay. 7 00:02:05.000 --> 00:02:26.000 So are you all ready for our guests today? If you're ready, I want you to write in the chat. I'm ready. And I want you to be ready to receive and position yourself for something so powerful right now. Because I believe that she has something that is for each of us. You guys know how we roll here. There's something for you here and we don't want you to miss it. 8 00:02:26.000 --> 00:02:33.000 So, um, without further ado, I want to bring on Shelly. Is it Barnaby? 9 00:02:33.000 --> 00:02:35.000 It is. 10 00:02:35.000 --> 00:02:39.000 Welcome, Shelly. 11 00:02:40.000 --> 00:02:45.000 Thank you so much, Danielle, I was saying before we got on you guys. 12 00:02:45.000 --> 00:03:04.000 I know a lot of you thought you'd see Jeremy, I don't really look like Jeremy more like Jeremy's mom right but it's, it's so such a huge honor for me to be here and to be in this community you are not a group that I get to talk to frequently. 13 00:03:04.000 --> 00:03:24.000 It's like the most fun for me because it almost feels like a flashback to my beginnings in business and how I really got my start. And so I'm so excited and more than anything today, I want to tailor this presentation to where all of you are at. 14 00:03:24.000 --> 00:03:45.000 I just want by the end of the hour I want you to come away feeling like this is exactly what I needed to take the next action in my business. Now I know where I need to go so I want you to light up the chat today and let me know what you need if I'm not giving you the goods you call me 15 00:03:46.000 --> 00:03:56.000 out and I'll get you more detail one thing I'm going to tell you right at the top, is that I'm working from Jeremy slides today, he talks three times faster than I do. 16 00:03:56.000 --> 00:04:11.000 And he has a ton of them so we are going to go over a lot of what's in his slide presentation. And don't feel like you have to take notes or get all the details down because I will give you access to everything. 17 00:04:12.000 --> 00:04:28.000 So I just want you to feel like you can kick back. It's Friday, it's Friday, right like there is no no taking on Friday. So, so just so you know a little bit more about where I'm coming from. 18 00:04:29.000 --> 00:04:41.000 Do any of you homeschool so like, I would say, I love to toot my horn about everything that happened in business, and there are some big things I got to put my big girl glasses on. 19 00:04:41.000 --> 00:04:59.000 I really, alongside my husband, and on my own to really have been able to build. It's, it's so crazy what God has given me the opportunity to do in my life from really humble beginnings of, you know, 20 00:05:00.000 --> 00:05:02.560 We live like in the North woods of Wisconsin. 21 00:05:02.560 --> 00:05:06.800 If, if I want a Starbucks, it's like a hundred miles, like it's commitment. 22 00:05:06.960 --> 00:05:07.520 It is. 23 00:05:07.840 --> 00:05:13.840 I do not live in a place where things felt easy or accessible. 24 00:05:13.880 --> 00:05:15.560 And I have 10 kids. 25 00:05:15.560 --> 00:05:17.960 I don't know if that'll be a surprise to anybody. 26 00:05:18.200 --> 00:05:19.600 They're all, I shouldn't say that. 27 00:05:19.600 --> 00:05:24.600 I have 10 adults now, half of my children have children. 28 00:05:24.600 --> 00:05:31.400 I have 18 grandchildren so far that my kids range in age from, I got to 29 00:05:31.400 --> 00:05:34.040 think what month I'm in 39 to 22. 30 00:05:34.480 --> 00:05:39.280 And my grandchildren range in age from 17 to a baby. 31 00:05:39.840 --> 00:05:45.560 So I've got a huge, like my family now is almost 40 people. 32 00:05:46.000 --> 00:05:50.000 And at the same time, I was so committed to home. 33 00:05:50.000 --> 00:05:54.920 Like when I started homeschooling, can you guys just like, go back to the dark 34 00:05:54.920 --> 00:05:59.200 ages, this was the 1980s, the late 1980s. 35 00:05:59.720 --> 00:06:02.960 And like CPS would knock on your door. 36 00:06:03.360 --> 00:06:07.680 Uh, people from the school would come out and wonder what you were like. 37 00:06:07.680 --> 00:06:13.840 I felt like I lived in a fishbowl all the time and I was a hot mess, right? 38 00:06:13.840 --> 00:06:18.680 Like I grew up mostly with just one brother and later some half and step 39 00:06:18.680 --> 00:06:24.560 siblings, but I just had no frame of reference for what it meant to have a 40 00:06:24.560 --> 00:06:30.480 bunch of little kids and by no means was I rocking it, let's just like, it was 41 00:06:30.480 --> 00:06:34.720 more like the, somebody would knock on the door and I'd be like, everybody hit 42 00:06:34.720 --> 00:06:35.560 the dirt, right? 43 00:06:35.560 --> 00:06:38.800 Like I didn't want anybody to see what I had going on. 44 00:06:39.920 --> 00:06:44.040 I was built for business and I wrestled with the Lord so much. 45 00:06:44.040 --> 00:06:48.480 Like my heart is in changing my family's legacy. 46 00:06:48.480 --> 00:06:54.080 I felt like when I looked at that first baby, I'm like, wow, this is my risk. 47 00:06:54.080 --> 00:06:57.840 Like this is bone of my bone, flesh of my flesh. 48 00:06:57.880 --> 00:07:03.760 I felt such an enormous responsibility to raise these children up in the 49 00:07:03.760 --> 00:07:05.800 nurture and admonition of the Lord. 50 00:07:06.280 --> 00:07:10.000 And I had no clue what that was going to look like or how I was going to do it. 51 00:07:10.680 --> 00:07:14.400 And because we lived in this really rural area, right? 52 00:07:14.480 --> 00:07:19.520 Like my husband had a decent job, but it was like, you know, there 53 00:07:19.520 --> 00:07:21.040 was more month than money. 54 00:07:21.240 --> 00:07:25.640 And I know some of you are probably looking for solutions in business and 55 00:07:25.640 --> 00:07:28.280 things that you want to do for that very reason. 56 00:07:29.080 --> 00:07:34.600 And I felt more confident, honestly, in like how to grow business or how to, I 57 00:07:34.600 --> 00:07:37.400 just felt like that's what I was more made for. 58 00:07:38.080 --> 00:07:42.680 So enter probably like the early nineties. 59 00:07:42.880 --> 00:07:48.800 So even before that, I started in, when my kids were tiny, I started in direct 60 00:07:48.800 --> 00:07:52.960 sales, home party, it was the era of home parties. 61 00:07:53.440 --> 00:07:59.560 I had a station wagon that came from a direct sales company. 62 00:07:59.560 --> 00:08:01.760 It had paneled sides, ladies. 63 00:08:01.800 --> 00:08:03.000 I was rocking it. 64 00:08:03.040 --> 00:08:06.800 I mean, I'm telling you was car seats from front to the back. 65 00:08:06.800 --> 00:08:09.320 It was, it was something else, but do you know what? 66 00:08:09.320 --> 00:08:10.440 I was so grateful. 67 00:08:10.840 --> 00:08:13.360 Like it started changing my life. 68 00:08:13.360 --> 00:08:17.120 I'm like, I got a car because I went out to somebody's house and did some 69 00:08:17.120 --> 00:08:18.760 parties and talk to some people. 70 00:08:18.760 --> 00:08:22.360 And I think I can, I think maybe I can do this. 71 00:08:22.960 --> 00:08:27.480 And when the internet came into being, we make jokes all the time. 72 00:08:27.480 --> 00:08:30.760 Like, uh, it was probably the early 1990s. 73 00:08:31.680 --> 00:08:35.760 In order to, this won't make, this is a terrible frame of reference for you, 74 00:08:35.760 --> 00:08:42.799 but back in that time, you had to dial long distance in order to 75 00:08:42.799 --> 00:08:45.520 connect your dial-up to the internet. 76 00:08:46.040 --> 00:08:49.680 So it was like 30 cents a minute in addition to what 77 00:08:49.680 --> 00:08:50.880 you paid for the internet. 78 00:08:51.320 --> 00:08:57.000 So if you had AOL, which is about all there was back then, you would dial 79 00:08:57.080 --> 00:09:03.320 and try to use the internet in like five minutes and do a search and then disconnect. 80 00:09:03.440 --> 00:09:08.400 So every time you wanted to like look something up, you'd connect and 81 00:09:08.400 --> 00:09:10.440 disconnect, connect and disconnect. 82 00:09:11.000 --> 00:09:14.000 And, and we paid, it was so much money. 83 00:09:14.000 --> 00:09:19.080 It felt like so much money back then, but I was so enamored with what I 84 00:09:19.080 --> 00:09:21.320 thought this could do for me because. 85 00:09:22.200 --> 00:09:25.560 And it started just with the idea of sending an email, right? 86 00:09:25.560 --> 00:09:29.760 It started literally like, I'm going to be able to communicate 87 00:09:29.760 --> 00:09:31.520 with people in real time. 88 00:09:31.880 --> 00:09:36.840 At that point, I was living in a town where there were no other homeschoolers. 89 00:09:37.200 --> 00:09:42.400 I thought I was literally the only person doing this. 90 00:09:42.480 --> 00:09:47.920 I had no idea, nobody in my church, nobody in my town. 91 00:09:48.280 --> 00:09:50.240 I didn't, there were no groups. 92 00:09:50.240 --> 00:09:51.800 It was a whole new thing. 93 00:09:51.800 --> 00:09:53.120 I felt like a pioneer. 94 00:09:54.000 --> 00:09:58.640 And from there, the relationship started to develop. 95 00:09:58.640 --> 00:10:00.080 And then I began to see. 96 00:10:00.000 --> 00:10:04.460 that there would be ways to leverage these relationships 97 00:10:04.460 --> 00:10:08.020 into income producing opportunities. 98 00:10:08.020 --> 00:10:10.360 So I look at all of you now and I think, 99 00:10:10.360 --> 00:10:12.780 oh, it's so easy. 100 00:10:12.780 --> 00:10:17.220 It's so easy for you, but here's where it's not so easy. 101 00:10:17.220 --> 00:10:19.840 For you, there's so much noise. 102 00:10:19.840 --> 00:10:21.580 There are so many options. 103 00:10:21.580 --> 00:10:24.180 There are so many ways to do this 104 00:10:24.180 --> 00:10:27.860 that it's like information overload. 105 00:10:27.880 --> 00:10:30.500 So part of what I wanna talk to you about today 106 00:10:30.500 --> 00:10:33.520 is like, how can you get on a course? 107 00:10:33.520 --> 00:10:36.280 How can you make financial decisions for your business? 108 00:10:36.280 --> 00:10:40.380 How can you just do that juggle 109 00:10:40.380 --> 00:10:43.380 between how much time do I spend on my business 110 00:10:43.380 --> 00:10:47.140 versus how do I keep this ball rolling with family and kids 111 00:10:47.140 --> 00:10:49.280 and all of those kinds of things? 112 00:10:49.280 --> 00:10:52.320 So within the realm of what I do at Kingdom Wealth Movement, 113 00:10:52.320 --> 00:10:57.320 which is really absolutely around helping Christian families 114 00:10:58.220 --> 00:11:00.560 knock debt to the curb, right? 115 00:11:00.560 --> 00:11:05.400 Get a whole different outlook on the way you think about debt 116 00:11:05.400 --> 00:11:07.320 good debt versus bad debt. 117 00:11:07.320 --> 00:11:10.360 Many of you, like there's a weird thing that goes on 118 00:11:10.360 --> 00:11:14.240 in the Christian community that kind of says, 119 00:11:15.240 --> 00:11:17.160 it's like this idea that somewhere out there 120 00:11:17.160 --> 00:11:19.520 there's a perfect ideal Christian budget 121 00:11:19.520 --> 00:11:22.160 and you just haven't locked into it yet. 122 00:11:22.160 --> 00:11:24.180 That's really false, right? 123 00:11:24.180 --> 00:11:27.740 Like it's a lot more Holy Spirit led than that. 124 00:11:28.580 --> 00:11:30.960 What you're called to do, what's right for your spending 125 00:11:30.960 --> 00:11:33.200 is not what's right for my spending. 126 00:11:33.200 --> 00:11:37.000 How much you leverage debt to build your income 127 00:11:37.000 --> 00:11:38.600 is very personalized. 128 00:11:38.600 --> 00:11:40.440 And there are a lot of places in Christian, 129 00:11:40.440 --> 00:11:42.640 can I just share with you that when we started 130 00:11:42.640 --> 00:11:47.500 our very first brick and mortar business, 131 00:11:47.500 --> 00:11:50.800 it was like a trucking company, a logistics company. 132 00:11:50.800 --> 00:11:54.640 And we had a pastor and people at that time tell us 133 00:11:54.640 --> 00:11:57.520 it's wrong to take out business debt. 134 00:11:58.260 --> 00:12:00.260 You need to start this business for cash. 135 00:12:01.260 --> 00:12:04.860 As a result of that, we were ready to start that business 136 00:12:04.860 --> 00:12:08.920 in 1990, like my husband had the call to do it then. 137 00:12:08.920 --> 00:12:12.320 We didn't open it until almost 13 years later 138 00:12:12.320 --> 00:12:16.020 because we bought the lie that the way to do that 139 00:12:16.020 --> 00:12:19.240 was to save half a million dollars first 140 00:12:19.240 --> 00:12:21.580 to get the business going. 141 00:12:21.580 --> 00:12:25.820 I look at that now and I think how crazy was that? 142 00:12:25.820 --> 00:12:30.160 We needed to leverage the debt to grow the company. 143 00:12:30.160 --> 00:12:33.640 And instead we leveraged our children's growing up, 144 00:12:33.640 --> 00:12:38.640 we leveraged our lives to launch a company 13 years late. 145 00:12:39.520 --> 00:12:43.200 And so I wanna be a resource for you to say like, 146 00:12:43.200 --> 00:12:45.820 how does a person make decisions around debt? 147 00:12:45.820 --> 00:12:46.960 What can you do? 148 00:12:46.960 --> 00:12:50.180 Like some of you maybe when you start in business, 149 00:12:50.180 --> 00:12:53.180 do you realize what you build is a series of mistakes 150 00:12:53.180 --> 00:12:55.380 that eventually become your success? 151 00:12:56.240 --> 00:13:00.140 Like if I stacked them up, I have far more things 152 00:13:00.140 --> 00:13:03.480 that go, well, that didn't really work out. 153 00:13:03.480 --> 00:13:06.760 That goes into the pile of that didn't really work out. 154 00:13:06.760 --> 00:13:08.720 A lot of times in business, what you're doing 155 00:13:08.720 --> 00:13:11.200 is finding a thousand things that don't work 156 00:13:11.200 --> 00:13:15.000 until you land on the thing that's currently working 157 00:13:15.000 --> 00:13:17.360 and what's doing well. 158 00:13:17.360 --> 00:13:20.140 And I know that in the process of that, 159 00:13:20.140 --> 00:13:24.920 some of you have taken on some debt that you regret 160 00:13:24.920 --> 00:13:28.580 or that you don't feel like you got the value out of it. 161 00:13:28.580 --> 00:13:32.260 And it becomes a really weighty thing. 162 00:13:32.260 --> 00:13:33.400 How many of you feel like, 163 00:13:33.400 --> 00:13:35.340 and this can happen with spouses too, 164 00:13:35.340 --> 00:13:37.280 like you guys, I'm kind of, 165 00:13:37.280 --> 00:13:41.100 if there was a 12 step program for course collectors, 166 00:13:41.100 --> 00:13:43.860 I might be the leader of this group, right? 167 00:13:43.860 --> 00:13:48.600 Like, because it's so easy to look outward to say 168 00:13:48.600 --> 00:13:52.820 the next course, the next coach, the next mastermind, 169 00:13:52.820 --> 00:13:55.920 the next thing is going to be the thing. 170 00:13:55.920 --> 00:13:58.960 Can I tell you that when you're called to business, 171 00:13:58.960 --> 00:14:03.960 the Holy Spirit puts in you everything that you need, right? 172 00:14:04.460 --> 00:14:06.320 You might leverage a relationship, 173 00:14:06.320 --> 00:14:09.480 you might leverage some new knowledge and information, 174 00:14:09.480 --> 00:14:12.940 but if you're called, you have the skills. 175 00:14:12.940 --> 00:14:16.620 It's just about taking the next right step. 176 00:14:16.620 --> 00:14:20.360 So I'm hoping today that if I share some things about, 177 00:14:20.360 --> 00:14:21.200 I love that. 178 00:14:22.160 --> 00:14:24.780 My core, I don't know if I have a course graveyard. 179 00:14:24.780 --> 00:14:29.220 I only let my courses go to purgatory because I tell myself 180 00:14:29.220 --> 00:14:31.420 I'm still going to do them someday, 181 00:14:31.420 --> 00:14:33.500 even if they're from 15 years ago, 182 00:14:33.500 --> 00:14:36.300 like somehow I think that's going to still apply, right? 183 00:14:37.940 --> 00:14:40.420 So I want you guys to really interact in the chat. 184 00:14:40.420 --> 00:14:42.780 I want you to ask lots of questions 185 00:14:42.780 --> 00:14:47.060 and I am going to pull up and just talk a little bit about, 186 00:14:48.100 --> 00:14:49.580 at Kingdom Wealth Movement, 187 00:14:49.580 --> 00:14:52.440 we have a sister company called Kingdom Debt Solutions 188 00:14:52.440 --> 00:14:56.680 that has grown out of the need we saw for our clients 189 00:14:56.680 --> 00:14:59.240 who really wanted to follow the Lord. 190 00:14:59.240 --> 00:15:00.080 They wanted to be. 191 00:15:00.000 --> 00:15:03.280 building their businesses and accelerating their careers. 192 00:15:03.280 --> 00:15:06.720 And yet the first thing I was hearing from everybody 193 00:15:06.720 --> 00:15:11.200 all the time was, I can't prioritize my business 194 00:15:11.200 --> 00:15:12.920 because I have all these minimum payments. 195 00:15:12.920 --> 00:15:14.120 I have all these debts. 196 00:15:14.120 --> 00:15:17.640 I have like, it was just debt, debt, debt. 197 00:15:17.640 --> 00:15:19.440 Everybody was so debt focused 198 00:15:19.440 --> 00:15:22.260 that the minute their debt was gone, they were regrowing it 199 00:15:22.260 --> 00:15:24.680 because all they were thinking about was debt 200 00:15:24.680 --> 00:15:27.480 versus wealth creation, 201 00:15:27.480 --> 00:15:30.400 versus being focused on where you're going 202 00:15:30.400 --> 00:15:34.400 instead of like this payment you're making today, right? 203 00:15:34.400 --> 00:15:38.120 So let me just fire up a little bit here 204 00:15:38.120 --> 00:15:40.880 and can you guys live with me 205 00:15:40.880 --> 00:15:45.880 if I absolutely pick and choose 206 00:15:46.520 --> 00:15:48.320 as we go through these things? 207 00:15:48.320 --> 00:15:49.960 Is that gonna work for everybody 208 00:15:49.960 --> 00:15:53.120 if I skip a few things here and there? 209 00:15:53.120 --> 00:15:54.720 I hope it will. 210 00:15:55.160 --> 00:15:58.080 And I've got a gal from my team too. 211 00:15:58.080 --> 00:15:59.760 She's gonna be helping me in the chat. 212 00:15:59.760 --> 00:16:03.160 So if I don't see everything, please know, 213 00:16:03.160 --> 00:16:05.880 we'll take some questions at the end as well. 214 00:16:05.880 --> 00:16:08.880 But I wanna fire through some things 215 00:16:08.880 --> 00:16:12.880 and just really talk about how can you, 216 00:16:12.880 --> 00:16:15.040 if you have a lot of personal loan 217 00:16:15.040 --> 00:16:17.000 or credit card debt right now, 218 00:16:17.000 --> 00:16:21.640 how could you ethically reduce that by 40 to 50% 219 00:16:21.640 --> 00:16:25.000 and do that without having to consolidate, 220 00:16:25.000 --> 00:16:28.480 to refinance or to declare bankruptcy 221 00:16:28.480 --> 00:16:31.480 or feel like in any way you're compromising 222 00:16:31.480 --> 00:16:33.560 your kingdom values to do that? 223 00:16:33.560 --> 00:16:36.360 Is that something you guys would like to know how to do? 224 00:16:39.200 --> 00:16:40.040 I hope so. 225 00:16:40.040 --> 00:16:41.760 Yes, real quick. 226 00:16:41.760 --> 00:16:45.320 We are on presenter mode. 227 00:16:45.320 --> 00:16:48.680 Okay, and so you guys are seeing. 228 00:16:48.680 --> 00:16:51.440 We're seeing notes and you're next. 229 00:16:52.160 --> 00:16:53.480 I don't want that at all. 230 00:16:53.480 --> 00:16:55.200 That should not be that way. 231 00:16:55.200 --> 00:16:59.040 Three, the three little dot, I don't. 232 00:16:59.040 --> 00:16:59.880 Yeah, hold on. 233 00:16:59.880 --> 00:17:02.520 Let's just, let's look at that again. 234 00:17:02.520 --> 00:17:04.960 She just needs to screen share the other screen. 235 00:17:06.560 --> 00:17:08.160 Let's see. 236 00:17:12.520 --> 00:17:14.079 I'm just looking at the options here 237 00:17:14.079 --> 00:17:16.760 to see if it will let me do that a little bit differently. 238 00:17:16.760 --> 00:17:19.520 Nope, don't want that, don't want that, don't want that. 239 00:17:19.520 --> 00:17:21.560 Maybe it's just a sign, right? 240 00:17:21.560 --> 00:17:26.079 That I don't need all of these. 241 00:17:26.079 --> 00:17:29.440 Maybe we don't need all of these slides. 242 00:17:29.440 --> 00:17:30.760 Let me see if I can. 243 00:17:30.760 --> 00:17:34.560 Well, if you put your screen the way it was back up, 244 00:17:34.560 --> 00:17:35.680 maybe we could just figure out 245 00:17:35.680 --> 00:17:39.880 how to do the presenter mode real quick from that angle. 246 00:17:39.880 --> 00:17:41.200 Yeah, let's hold on. 247 00:17:41.200 --> 00:17:42.040 Let's see. 248 00:17:45.560 --> 00:17:48.600 Let's see what happens if I do it like this. 249 00:17:48.600 --> 00:17:49.440 Okay, let's see. 250 00:17:50.240 --> 00:17:51.840 Are you guys seeing that fine now? 251 00:17:52.640 --> 00:17:54.240 Oh, that's great. 252 00:17:54.240 --> 00:17:56.200 Is this, this is great. 253 00:17:56.200 --> 00:17:57.920 Yeah, let's just do it like this. 254 00:17:57.920 --> 00:18:01.560 So right off the gate, just so you guys understand, 255 00:18:03.640 --> 00:18:05.680 one of the strategies, the biggest strategy 256 00:18:05.680 --> 00:18:07.240 that I'm gonna present for you today 257 00:18:07.240 --> 00:18:10.360 is for people who have $10,000 or more 258 00:18:10.360 --> 00:18:13.560 in credit card, personal loan debt, right? 259 00:18:13.560 --> 00:18:15.400 If you have less than that, 260 00:18:15.400 --> 00:18:16.840 I'll talk to you about another offer, 261 00:18:16.840 --> 00:18:18.880 but here's why I still want you to pay attention. 262 00:18:19.360 --> 00:18:21.320 Like, maybe that isn't you, 263 00:18:21.320 --> 00:18:24.480 but honestly, how many people in your life, 264 00:18:24.480 --> 00:18:28.680 in your business, in the people that you're surrounded by, 265 00:18:28.680 --> 00:18:31.240 do you know that if that's not you, 266 00:18:31.240 --> 00:18:32.960 you are in a tiny minority 267 00:18:32.960 --> 00:18:35.640 and you should say an extra grateful, 268 00:18:35.640 --> 00:18:37.280 you can have extra gratefulness. 269 00:18:37.280 --> 00:18:38.840 But if that is you, 270 00:18:40.240 --> 00:18:42.080 the thing I really wanna acknowledge 271 00:18:42.080 --> 00:18:44.400 is for some weird reason, 272 00:18:44.400 --> 00:18:46.120 like it seems like a lot of people 273 00:18:46.120 --> 00:18:48.240 are experiencing shame around that 274 00:18:48.280 --> 00:18:52.480 or judgment or like somehow if you leveraged debt 275 00:18:52.480 --> 00:18:54.520 to grow your business, 276 00:18:54.520 --> 00:18:56.520 that you made a mistake. 277 00:18:56.520 --> 00:19:00.280 And can I say, I think I made the opposite mistake 278 00:19:00.280 --> 00:19:03.880 by being so fearful of debt 279 00:19:03.880 --> 00:19:04.880 that I wasn't able, 280 00:19:04.880 --> 00:19:07.000 that we didn't follow the Lord's call 281 00:19:07.000 --> 00:19:09.400 quickly enough in our business. 282 00:19:09.400 --> 00:19:13.920 So let me just say like most people, 283 00:19:13.920 --> 00:19:15.040 here's the thing, 284 00:19:15.080 --> 00:19:18.640 most people are in the scroll hole all day long. 285 00:19:18.640 --> 00:19:20.160 And what you all are doing 286 00:19:20.160 --> 00:19:22.120 is you're doing something about your debt 287 00:19:22.120 --> 00:19:23.760 by growing your business. 288 00:19:23.760 --> 00:19:26.360 So give yourselves a little pat on the back 289 00:19:27.240 --> 00:19:31.040 for that right out of the gate. 290 00:19:31.040 --> 00:19:32.880 And again, it's kind of like I said, 291 00:19:32.880 --> 00:19:34.320 if this might not be for you, 292 00:19:34.320 --> 00:19:37.080 but I bet it's for someone in your life, okay? 293 00:19:37.080 --> 00:19:39.880 Or if you ever end up in this situation, 294 00:19:39.880 --> 00:19:41.760 can I tell you that our commitment 295 00:19:41.760 --> 00:19:43.960 to being debt-free early on 296 00:19:45.800 --> 00:19:47.840 I was pretty successful for that, 297 00:19:47.840 --> 00:19:49.560 with that for decades. 298 00:19:49.560 --> 00:19:51.200 I think what it actually led to 299 00:19:51.200 --> 00:19:53.600 was a really slow growth in our business. 300 00:19:53.600 --> 00:19:55.760 And if I had to do it over again, 301 00:19:55.760 --> 00:19:58.760 I would leverage debt more, 302 00:19:58.760 --> 00:20:00.000 but I did. 303 00:20:00.000 --> 00:20:03.680 to end up in a situation like what is talking about here. 304 00:20:03.680 --> 00:20:05.440 I didn't ever anticipate 305 00:20:05.440 --> 00:20:08.840 that I would experience a huge amount of debt, 306 00:20:08.840 --> 00:20:13.840 but we experienced during COVID two life-altering events, 307 00:20:15.560 --> 00:20:17.360 like in COVID and right after, 308 00:20:17.360 --> 00:20:21.560 two life-altering events that brought me more debt 309 00:20:21.560 --> 00:20:23.480 than I ever anticipated. 310 00:20:23.480 --> 00:20:26.000 And I'm gonna tell you about it, but not yet. 311 00:20:27.840 --> 00:20:28.960 So you have to hang on. 312 00:20:30.360 --> 00:20:33.720 But I want you to have a few of these facts. 313 00:20:33.720 --> 00:20:36.440 We'll go through them, but don't feel like I said, 314 00:20:36.440 --> 00:20:41.440 you have to get all of this down, but this is true. 315 00:20:41.560 --> 00:20:44.280 Consumer debt, worst it's ever been. 316 00:20:44.280 --> 00:20:48.520 It has reached almost one and a half trillion dollars, 317 00:20:48.520 --> 00:20:50.480 which honestly, if we took the time 318 00:20:50.480 --> 00:20:54.540 to unpack what a trillion is, it would blow your minds. 319 00:20:54.540 --> 00:20:58.480 And we just this year created this slide presentation. 320 00:20:58.480 --> 00:21:00.880 And can I tell you, as of May, 321 00:21:00.880 --> 00:21:05.520 I got the updated results that show 322 00:21:05.520 --> 00:21:10.480 that now the average US credit card balance is up even more. 323 00:21:10.480 --> 00:21:15.480 And as of May, the average interest rate is 24.5%. 324 00:21:17.360 --> 00:21:19.080 So when people start talking about, 325 00:21:19.080 --> 00:21:22.040 oh, just do the snowball method. 326 00:21:22.040 --> 00:21:23.640 Number one, people are struggling 327 00:21:23.640 --> 00:21:26.160 to pay their minimums sometimes. 328 00:21:26.160 --> 00:21:28.240 Number two, the reason if it feels 329 00:21:28.240 --> 00:21:30.760 like you can't get traction doing something 330 00:21:30.760 --> 00:21:32.440 like the snowball method, 331 00:21:32.440 --> 00:21:35.240 it's because it would literally take you paying 332 00:21:35.240 --> 00:21:37.960 three to four times the minimum 333 00:21:37.960 --> 00:21:40.120 to actually get on top of that. 334 00:21:40.120 --> 00:21:42.520 With the interest rate being what it is, 335 00:21:42.520 --> 00:21:44.760 the snowball method could work 336 00:21:44.760 --> 00:21:47.360 when people's interest rates on credit cards 337 00:21:47.360 --> 00:21:50.200 were only like nine, 10%. 338 00:21:50.200 --> 00:21:54.520 Once you have debt that's compounding daily 339 00:21:54.520 --> 00:21:57.600 at these, this is usury, right? 340 00:21:57.600 --> 00:22:00.880 The Bible actually talks about it and that's what it is. 341 00:22:00.880 --> 00:22:04.360 And so we're at an all time high of people 342 00:22:04.360 --> 00:22:08.440 who have 90 day delinquent credit card debt, 343 00:22:08.440 --> 00:22:10.560 loan debt, all of those things. 344 00:22:10.560 --> 00:22:13.260 I don't think it's any news to anybody 345 00:22:13.260 --> 00:22:16.560 that the country is in a debt crisis, right? 346 00:22:16.560 --> 00:22:19.060 Like I don't have to unpack this too hard. 347 00:22:19.060 --> 00:22:22.660 Most of you either are experiencing it 348 00:22:22.660 --> 00:22:24.260 or you see people in your life 349 00:22:24.260 --> 00:22:26.700 who are experiencing it as well. 350 00:22:26.700 --> 00:22:28.540 So Amy, is your name Amy? 351 00:22:28.540 --> 00:22:29.700 I see your hand is raised. 352 00:22:29.700 --> 00:22:31.200 Do you wanna ask a question? 353 00:22:31.200 --> 00:22:34.900 I, maybe it's not on purpose. 354 00:22:36.020 --> 00:22:37.640 Oh, no problem. 355 00:22:39.180 --> 00:22:41.460 So I don't know, if you guys think about it, 356 00:22:41.460 --> 00:22:43.520 do you feel like you're building, right? 357 00:22:43.520 --> 00:22:44.740 And so I really honor that. 358 00:22:44.740 --> 00:22:46.400 Some of you might not be in a place 359 00:22:46.400 --> 00:22:48.980 where you feel like your financial situation 360 00:22:48.980 --> 00:22:51.380 is worsening right now, 361 00:22:51.380 --> 00:22:54.500 but more than half of Americans do feel like that 362 00:22:54.500 --> 00:22:57.340 and they feel like things are going downhill. 363 00:22:57.340 --> 00:22:59.080 So this is Jeremy's story. 364 00:22:59.080 --> 00:23:02.320 So that he talks about the debt problem in his life. 365 00:23:02.320 --> 00:23:05.460 I'm gonna share with you a little bit 366 00:23:05.460 --> 00:23:08.020 about how mine came into being. 367 00:23:09.100 --> 00:23:12.940 During COVID, we had built the largest business to date 368 00:23:12.940 --> 00:23:16.140 that my husband and I had built. 369 00:23:16.140 --> 00:23:18.940 And it's almost staggering, honestly, 370 00:23:18.940 --> 00:23:21.820 like I feel a little weird sharing it with you, 371 00:23:21.820 --> 00:23:24.460 but I also want you to know what's possible. 372 00:23:24.460 --> 00:23:27.380 Maybe right now, like you're digging in 373 00:23:27.380 --> 00:23:31.200 because you were a single income family 374 00:23:31.200 --> 00:23:32.700 and you wanted a side hustle 375 00:23:32.700 --> 00:23:36.820 and you wanted to start adding a thousand or two extra 376 00:23:36.820 --> 00:23:40.140 to the family budget with the idea of someday, 377 00:23:40.140 --> 00:23:43.320 like maybe what I wanted more than anything, 378 00:23:43.320 --> 00:23:45.460 what anybody with 10 kids wants 379 00:23:45.460 --> 00:23:47.220 is for their husband to come home. 380 00:23:47.220 --> 00:23:51.180 And like, instead at first, 381 00:23:51.180 --> 00:23:54.380 I had a husband who also had a side hustle, right? 382 00:23:54.380 --> 00:23:57.840 Because that's what it took for us in the early years. 383 00:23:57.840 --> 00:24:01.260 But my big dream was for us to work together, 384 00:24:01.260 --> 00:24:03.460 for us to work as a family 385 00:24:03.460 --> 00:24:07.100 and to create a legacy of generational wealth. 386 00:24:07.100 --> 00:24:09.820 And so we did that. 387 00:24:09.820 --> 00:24:13.820 Like slowly we built like line upon line, 388 00:24:13.820 --> 00:24:15.060 precept upon precept, 389 00:24:15.060 --> 00:24:17.740 like that's how I felt we built our business. 390 00:24:17.740 --> 00:24:21.700 And the pinnacle of that in 2019 and 2020, 391 00:24:21.700 --> 00:24:25.340 we had an internationally based business 392 00:24:25.340 --> 00:24:29.060 in geography for your kids, Liechtenstein. 393 00:24:29.060 --> 00:24:31.500 So it's a little teeny country, 394 00:24:31.500 --> 00:24:34.540 kind of Germany, Austria, Switzerland. 395 00:24:34.540 --> 00:24:37.740 We had offices in all of those places. 396 00:24:37.740 --> 00:24:40.380 We were traveling internationally. 397 00:24:40.380 --> 00:24:45.380 I got to be on 160 flights, I think in 2019, 398 00:24:46.060 --> 00:24:49.720 spoke to some of the largest audiences of my life, 399 00:24:49.720 --> 00:24:52.700 like more than 10,000 people at a time, 400 00:24:52.700 --> 00:24:56.300 just really felt like we were living the dream, right? 401 00:24:56.300 --> 00:24:59.860 Then COVID came and we were locked down. 402 00:25:00.000 --> 00:25:04.240 international business brought a whole new set of challenges. 403 00:25:04.240 --> 00:25:09.440 We weren't able to send wire transfers and do a lot of the things we had been doing. 404 00:25:09.440 --> 00:25:15.880 But fortunately, we'd grown such a big business that we eventually were able to 405 00:25:15.880 --> 00:25:21.320 sell at a multiplier and that worked out. 406 00:25:21.320 --> 00:25:23.440 However, in the process, 407 00:25:23.440 --> 00:25:26.000 we had a business partner. 408 00:25:26.440 --> 00:25:33.600 I want to be careful about how I tell the story simply because I 409 00:25:33.600 --> 00:25:36.760 don't question people's salvation, 410 00:25:36.760 --> 00:25:38.800 but I know that in dire circumstances, 411 00:25:38.800 --> 00:25:41.880 people can make really bad choices. 412 00:25:41.880 --> 00:25:48.640 In our case, long time kingdom friends and associates and 413 00:25:48.640 --> 00:25:53.880 business people ultimately chose to embezzle millions of dollars from 414 00:25:53.880 --> 00:25:57.440 our clients and from us personally. 415 00:25:57.440 --> 00:25:59.760 Was it a financial setback? 416 00:25:59.760 --> 00:26:01.800 Yes. But if I'm honest with you, 417 00:26:01.800 --> 00:26:07.280 for me, the setback felt personal, emotional, spiritual. 418 00:26:07.280 --> 00:26:10.440 I was wrecked, absolutely wrecked, 419 00:26:10.440 --> 00:26:16.440 and felt such a tremendous burden for the people that were our clients. 420 00:26:16.440 --> 00:26:19.680 My husband and I weren't in full agreement about, 421 00:26:19.680 --> 00:26:22.240 should we use our own money to pay back clients? 422 00:26:22.240 --> 00:26:24.200 It was messy. It was so, so messy. 423 00:26:24.200 --> 00:26:27.680 It was probably the biggest challenge we thought of our lives. 424 00:26:27.680 --> 00:26:32.560 As we're muddling through and as we're muddling through COVID, 425 00:26:34.120 --> 00:26:37.960 we lost our home in a tornado. 426 00:26:38.720 --> 00:26:43.200 We'd had the same, thought we were protected. 427 00:26:43.200 --> 00:26:46.880 This is starting to sound dramatic and awful, 428 00:26:46.880 --> 00:26:49.000 and I want you to know it's going to a good place. 429 00:26:49.000 --> 00:26:54.160 But lost our home, 430 00:26:54.160 --> 00:26:56.960 ended up being an uninsured event. 431 00:26:56.960 --> 00:26:59.520 Then we had a big decision to make. 432 00:26:59.520 --> 00:27:04.200 Fortunately for us, we had a beautiful rental property in Florida and we said, 433 00:27:04.200 --> 00:27:06.320 hey, we can just start rebuilding this. 434 00:27:06.320 --> 00:27:11.040 We can go live in our house in Florida in the winter, all will be well. 435 00:27:11.040 --> 00:27:17.320 We started rebuilding our home for cash and it was really financially challenging, 436 00:27:17.320 --> 00:27:18.240 but we had a plan. 437 00:27:18.240 --> 00:27:19.280 We were working it out. 438 00:27:19.280 --> 00:27:22.360 Five days before we were supposed to go to Florida, 439 00:27:22.360 --> 00:27:27.760 Hurricane Ian chose to swallow up our house in Florida. 440 00:27:27.760 --> 00:27:30.880 So you guys, with the third thing, 441 00:27:30.880 --> 00:27:33.200 I'm always somebody who will say, 442 00:27:33.200 --> 00:27:35.080 I'm a little bit of a Pollyanna, 443 00:27:35.080 --> 00:27:38.200 the Lord's got me, it's all good. 444 00:27:38.200 --> 00:27:40.120 Can I just honestly tell you, 445 00:27:40.120 --> 00:27:43.160 it did not feel all good in those days. 446 00:27:43.160 --> 00:27:46.080 It did not feel all good at all. 447 00:27:46.080 --> 00:27:52.040 Yet I was a leader and I needed to run a business and I needed to be strong for my children, 448 00:27:52.040 --> 00:27:54.040 for my grandchildren, for my husband, 449 00:27:54.040 --> 00:27:55.840 for everything that's happening. 450 00:27:55.840 --> 00:27:58.680 Anybody else feel like they're the glue? 451 00:27:58.680 --> 00:28:00.840 Mamas are the glue. 452 00:28:00.840 --> 00:28:03.680 It doesn't change when you become the grandmother, 453 00:28:03.680 --> 00:28:06.200 it just adds more people. 454 00:28:08.400 --> 00:28:12.560 Because of that, I just thought, 455 00:28:12.560 --> 00:28:14.840 okay, it's all going to work out. 456 00:28:15.040 --> 00:28:18.200 I had a fantastic credit score. 457 00:28:18.200 --> 00:28:22.720 Honestly, I didn't even know how fantastic because I'd never needed it. 458 00:28:22.720 --> 00:28:26.120 The beautiful thing about a credit score is when you don't need it, 459 00:28:26.120 --> 00:28:27.880 your score is like 800. 460 00:28:27.880 --> 00:28:31.800 If you actually need it, your score is trash. 461 00:28:31.800 --> 00:28:36.680 But the weird thing is that we live in a society that at first, 462 00:28:36.680 --> 00:28:39.680 when they started having a FICO score, 463 00:28:39.680 --> 00:28:40.920 it was like a big secret, 464 00:28:40.920 --> 00:28:43.160 only the banks could know. 465 00:28:43.160 --> 00:28:46.120 Now, it's on every statement you get. 466 00:28:46.120 --> 00:28:48.120 Like somebody wants to tell you all the time, 467 00:28:48.120 --> 00:28:49.880 you're this worthy. 468 00:28:49.880 --> 00:28:50.920 This is your number. 469 00:28:50.920 --> 00:28:52.080 Here's your sign. 470 00:28:52.080 --> 00:28:56.760 It's almost like you're expected to wear it and it says something about you. 471 00:28:56.760 --> 00:28:58.520 Can I tell you right now? 472 00:28:58.520 --> 00:29:01.360 It really says nothing about you. 473 00:29:01.360 --> 00:29:03.840 What it said about me was, 474 00:29:03.840 --> 00:29:09.120 hey, these people make a lot of money and they don't ever need to borrow any, 475 00:29:09.120 --> 00:29:11.880 so they get a really good number. 476 00:29:12.840 --> 00:29:15.360 Of course, I had credit cards, 477 00:29:15.360 --> 00:29:17.000 but I paid them in full every month. 478 00:29:17.000 --> 00:29:21.240 I had credit cards with enormous limits and zero percent offers. 479 00:29:21.240 --> 00:29:22.960 While we were working it out, 480 00:29:22.960 --> 00:29:25.720 we thought with the insurance company, 481 00:29:25.720 --> 00:29:31.160 we just started buying the materials necessary to start our new home. 482 00:29:31.160 --> 00:29:32.760 Before we knew it, 483 00:29:32.760 --> 00:29:37.560 I was easily six figures in debt for the first time in my life. 484 00:29:38.360 --> 00:29:42.120 Then it didn't work out with the insurance company. 485 00:29:42.120 --> 00:29:44.160 All of a sudden, 486 00:29:44.160 --> 00:29:49.360 my minimum credit card payments were upwards of $5,000 a month. 487 00:29:50.360 --> 00:29:54.200 The interest rates were not zero percent anymore, 488 00:29:54.200 --> 00:29:57.360 they were 20 something and going up and going up. 489 00:29:57.360 --> 00:29:59.000 This perfect credit score, 490 00:29:59.000 --> 00:30:02.400 even though I had no idea what was going on, 491 00:30:00.000 --> 00:30:01.960 I never missed a payment. 492 00:30:01.960 --> 00:30:03.520 All of a sudden my credit score 493 00:30:02.400 --> 00:30:05.200 I was still able to pay my bills. 494 00:30:03.520 --> 00:30:06.240 has dropped by like 200 points. 495 00:30:06.240 --> 00:30:08.360 And they're upping my credit 496 00:30:08.360 --> 00:30:11.040 or they're upping my interest rate, 497 00:30:11.040 --> 00:30:13.200 but I haven't paid anything late. 498 00:30:13.200 --> 00:30:14.780 And they're lowering our limit, 499 00:30:14.780 --> 00:30:17.000 but I haven't paid anything late. 500 00:30:17.000 --> 00:30:22.000 And so you get this feeling of feeling guilty or ashamed 501 00:30:22.360 --> 00:30:26.800 or like I've done something wrong because my number, 502 00:30:27.200 --> 00:30:30.120 like this little meter that somebody who doesn't know me 503 00:30:30.120 --> 00:30:33.760 has now put on me is telling me I'm bad. 504 00:30:33.760 --> 00:30:34.800 I've done a bad thing. 505 00:30:34.800 --> 00:30:37.620 And I just think that as women 506 00:30:37.620 --> 00:30:40.840 and as people who love God and wanna please him 507 00:30:40.840 --> 00:30:44.040 and wanna be a good witness and a testimony, 508 00:30:44.920 --> 00:30:47.440 it feels very bad to feel bad. 509 00:30:47.440 --> 00:30:50.440 And so if you've gone through something, 510 00:30:50.440 --> 00:30:54.960 I want you to know you are 100% not alone in this. 511 00:30:54.960 --> 00:30:58.040 Our debt specialists at KDS talk to people 512 00:30:58.040 --> 00:31:00.840 with the same stories all day long. 513 00:31:00.840 --> 00:31:03.540 And I promise you that we have solutions 514 00:31:03.540 --> 00:31:06.280 for you to get through this, right? 515 00:31:06.280 --> 00:31:11.080 We have a proven path that if you've been praying about this 516 00:31:11.080 --> 00:31:15.680 praying for an ethical way to get a fresh start, 517 00:31:15.680 --> 00:31:20.320 to get a redo, it's just starts with having a real moment. 518 00:31:20.320 --> 00:31:21.360 I had to say to myself, 519 00:31:21.360 --> 00:31:25.440 Lord, did I borrow irresponsibly? 520 00:31:25.440 --> 00:31:28.160 Did I borrow for things I didn't need to? 521 00:31:28.160 --> 00:31:29.840 And a little bit that was true, right? 522 00:31:29.840 --> 00:31:32.520 Like once I got in the habit of pulling out my card 523 00:31:32.520 --> 00:31:34.520 and I'd never really done that before, 524 00:31:34.520 --> 00:31:36.480 it did get a little bit easy. 525 00:31:36.480 --> 00:31:41.480 It did get a little bit easier to buy the upscaled materials 526 00:31:42.200 --> 00:31:43.340 instead of maybe the one 527 00:31:43.340 --> 00:31:45.120 that would have been the wisest choice. 528 00:31:45.120 --> 00:31:47.560 If I'm honest, that's a little bit true. 529 00:31:47.560 --> 00:31:51.040 That most of my spending was necessary spending 530 00:31:52.400 --> 00:31:54.740 for recovery, but a little of it wasn't. 531 00:31:54.740 --> 00:31:56.440 And I had to have some confession 532 00:31:56.440 --> 00:31:58.400 and some time with the Lord about that. 533 00:31:59.520 --> 00:32:03.280 But the thing is, is that there's a secret 534 00:32:03.280 --> 00:32:07.720 to reducing credit card debt that nobody in the kingdom 535 00:32:07.720 --> 00:32:10.600 and the Christian community are really talking about. 536 00:32:10.600 --> 00:32:14.120 And what it is, is debt renegotiation. 537 00:32:14.960 --> 00:32:17.760 And I don't know why people keep it on the down low 538 00:32:17.760 --> 00:32:19.080 or keep it like a secret, 539 00:32:19.080 --> 00:32:22.920 because just making those minimum payments 540 00:32:22.920 --> 00:32:24.920 and trying to debt snowball, 541 00:32:25.960 --> 00:32:29.280 it's the most costly thing that most of you could do. 542 00:32:29.280 --> 00:32:31.840 Because if you, you know, a lot of times we don't look 543 00:32:31.840 --> 00:32:34.160 at that little part on the back of the credit card statement 544 00:32:34.160 --> 00:32:37.600 that says, if you continue to make this minimum payment, 545 00:32:37.600 --> 00:32:41.880 you'll be paying for 33 years and the overall interest. 546 00:32:41.880 --> 00:32:44.480 That thing can cost, the thing that you purchased, 547 00:32:44.480 --> 00:32:46.320 a course or a building, you know, 548 00:32:46.320 --> 00:32:48.320 whatever it was to build your business, 549 00:32:48.320 --> 00:32:52.580 in some instances, you could end up paying 10 times more 550 00:32:52.580 --> 00:32:54.560 for that item. 551 00:32:54.560 --> 00:32:59.480 So the way to get, we're gonna talk a little bit 552 00:32:59.480 --> 00:33:02.000 about the way to get out of it, right? 553 00:33:02.000 --> 00:33:05.320 Because it isn't like you're trying to get out. 554 00:33:05.320 --> 00:33:06.680 Is there anybody here who says, 555 00:33:06.680 --> 00:33:09.860 hey, I just wanna charge like crazy and not pay for it. 556 00:33:09.860 --> 00:33:10.960 Like, that's my interest. 557 00:33:10.960 --> 00:33:12.440 I just wanna scam this. 558 00:33:12.440 --> 00:33:16.280 No, what people are looking for is a legal 559 00:33:16.280 --> 00:33:18.840 and ethical solution, a way to say, 560 00:33:18.840 --> 00:33:21.500 hey, my circumstances have changed. 561 00:33:21.500 --> 00:33:24.600 Let's renegotiate the deal, right? 562 00:33:24.600 --> 00:33:27.680 We do this in every other area of our life, 563 00:33:27.680 --> 00:33:29.000 except financially. 564 00:33:29.000 --> 00:33:33.240 Imagine if when you got married or when you, 565 00:33:33.240 --> 00:33:35.720 like if you could never renegotiate the deal, 566 00:33:35.720 --> 00:33:38.800 the people you were then or the way you did things, 567 00:33:38.800 --> 00:33:40.840 if you were stuck in that forever. 568 00:33:41.680 --> 00:33:43.960 No, things change and people are allowed 569 00:33:43.960 --> 00:33:46.440 to change the terms of the deal. 570 00:33:46.440 --> 00:33:48.880 So you're gonna be able to see when you walk 571 00:33:48.880 --> 00:33:50.320 through this report later, 572 00:33:50.320 --> 00:33:54.520 I have the pleasure of knowing this lady, Susan, personally. 573 00:33:54.520 --> 00:33:56.360 And can I just tell you, like, 574 00:33:56.360 --> 00:33:59.840 she has been able to go from, 575 00:33:59.840 --> 00:34:02.080 she's somebody who's caring for a spouse 576 00:34:02.080 --> 00:34:07.080 who has like the earlier stages of dementia 577 00:34:07.100 --> 00:34:08.800 and he was always the breadwinner 578 00:34:08.800 --> 00:34:11.080 and he ran the company. 579 00:34:11.080 --> 00:34:14.000 And now she's running their company, 580 00:34:14.000 --> 00:34:18.960 but so far has been able to save over $85,000 581 00:34:18.960 --> 00:34:23.960 off the total amount of debt that their company owed. 582 00:34:24.000 --> 00:34:28.920 And you're gonna see, like, that doesn't even include, 583 00:34:28.920 --> 00:34:33.540 she's no longer accumulating future interest. 584 00:34:33.540 --> 00:34:36.440 And that's, oops, I don't know what happened there, sorry. 585 00:34:39.800 --> 00:34:41.639 Well, that is weird. 586 00:34:44.560 --> 00:34:46.560 Hold on, I'm gonna stop my share for just one second 587 00:34:46.560 --> 00:34:48.000 and see what happened there. 588 00:34:49.080 --> 00:34:50.400 Is this resonating for you guys? 589 00:34:50.400 --> 00:34:51.760 Like, is this helping you? 590 00:34:54.520 --> 00:34:57.139 Yes, this is so good. 591 00:34:57.139 --> 00:34:58.840 Well, let's see if we can get our, 592 00:35:00.000 --> 00:35:18.000 Our chat our slide presentation back so can I just tell you though how skeptical we were as a company when we first got the chance to meet somebody who really was at the forefront of this entire strategy. 593 00:35:18.000 --> 00:35:38.000 I was like, I don't know Jeremy this sounds like you know we're not keeping our commitments or is this right is this okay before the Lord for us to do this like, and we really took many months of prayer and research to make sure that this was 594 00:35:38.000 --> 00:35:55.000 something we in good conscience could recommend to our clients, not only because they would get results, but because it was exactly the right thing to do. Okay, this is what other high integrity leaders in business we're doing industry experts we're doing, 595 00:35:55.000 --> 00:36:11.000 and the more we realize we're just in the dark, because this isn't common knowledge. And because right now if you're a minimum, if you're somebody who's paying minimum payments or barely over that on credit cards, you're their best customer. 596 00:36:11.000 --> 00:36:27.000 They don't want you to know this strategy because you're, you're the one that they're making the most money off of right now. Okay, they're hoping you'll never learn. They want you to pay interest that's compounding daily, right. 597 00:36:27.000 --> 00:36:39.000 They want to, again, here's your sign they want to brainwash you to believe that there's nothing you can do, except slowly gnaw your way out of this for years at a time. 598 00:36:39.000 --> 00:36:52.000 They don't want you to know that you have a rate of interest right now. The Bible condemned it I don't know if you guys know like about the year of Jubilee and all that that traditionally that's this year. 599 00:36:53.000 --> 00:37:04.000 Interestingly enough, that's this year. And so this could be the answer for you to find out how to take care of this so this is Sherry. 600 00:37:05.000 --> 00:37:24.000 She's also a pastor. She saved $33,000 so far, and more importantly, she needed this monthly payment reduction, right. What could you do in your business or for your family if you were able to take care of your debt and reduce your monthly payment by $1,300 every month. 601 00:37:24.000 --> 00:37:26.000 That was her situation right. 602 00:37:26.000 --> 00:37:34.000 So, I just do not know why I am getting this weird thing. 603 00:37:34.000 --> 00:37:42.000 Sorry guys, I don't usually present from this platform so it's just behaving a little differently for me. 604 00:37:43.000 --> 00:37:47.000 Okay, if you guys feel like. 605 00:37:47.000 --> 00:37:58.000 So when I told you like I was laying on the floor, the way I often describe it, as I think back on it is, and maybe you can relate to this. 606 00:37:58.000 --> 00:38:10.000 If any of you are burning the midnight oil you're hustling all day long you've got lots of little like little people little things in your business things like that going on. 607 00:38:10.000 --> 00:38:21.000 I used to say to my mom. I don't mind washing dishes, I just would like different dishes every day I need I needed to I'm just doing I felt like I do do the same thing all the time. 608 00:38:21.000 --> 00:38:24.000 But when I would finally lay down at night. 609 00:38:24.000 --> 00:38:27.000 An elephant came and sat on my chest. 610 00:38:27.000 --> 00:38:35.000 Right. If you're somebody who feels like I think this shows up for women, all the time, you start researching. 611 00:38:35.000 --> 00:38:53.000 You know, do I have an autoimmune disorder, do I have a, you know, is my cortisol spiking do I have food allergies do I have gut bacteria problem, like, we have all these physical symptoms, and we go down this rabbit trail of all these things we think 612 00:38:54.000 --> 00:39:11.000 But what if what you have is just an elephant that sits on your chest, or writhing worms in your gut and what it really comes from is this crippling debt, this wondering every day, am I going to go negative in my account, how am I ever going to get out of 613 00:39:11.000 --> 00:39:26.000 this how am I going to build a business. If I don't have any more money I can borrow, how is this going to happen. And so I told you my story Jeremy's is a little different and I know he told it on on the podcast that he did with you all. 614 00:39:26.000 --> 00:39:28.000 But here's the thing. 615 00:39:28.000 --> 00:39:31.000 If I chipped away at that debt. 616 00:39:32.000 --> 00:39:41.000 I would have been in it until death. Right, like I would look at these credit card bills and realize if I don't change my approach. 617 00:39:41.000 --> 00:39:45.000 I'm going to be paying in this until I'm 95 years old. 618 00:39:45.000 --> 00:39:58.000 In theory, I might not I'm going to make 95, but like let's just say I was the average person. I would have been taking on debt that was going to last for the rest of my life. 619 00:39:58.000 --> 00:40:00.000 So when people are sick. Are they. 620 00:40:00.000 --> 00:40:08.160 truly physically sick or is it a manifestation of every of the weight that they're carrying? 621 00:40:08.160 --> 00:40:13.560 When I learned this strategy and was able to implement and get out of this crippling 622 00:40:13.560 --> 00:40:18.560 dead, it reminds me of if you've ever read Pilgrim's Progress, and if you haven't, you 623 00:40:18.560 --> 00:40:19.560 should. 624 00:40:19.560 --> 00:40:28.120 But when it talks about Christian dropping his burden, you know, it was like the breath 625 00:40:28.120 --> 00:40:29.440 of all breaths. 626 00:40:29.440 --> 00:40:32.980 It was the hope of a future and a plan. 627 00:40:32.980 --> 00:40:37.480 And I think that it's so true, like when we look biblically, when it says, for lack of 628 00:40:37.480 --> 00:40:42.840 a vision, the people perish, a lot of you are just in the grind. 629 00:40:42.840 --> 00:40:46.680 And you don't have the vision because you're in the grind. 630 00:40:46.680 --> 00:40:51.560 You're doing you're moving money, you're like doing all these things to try to keep the 631 00:40:51.560 --> 00:40:53.160 hustle going. 632 00:40:53.160 --> 00:40:58.380 When what you really need is to reconnect with your vision, have a plan for the debt 633 00:40:58.380 --> 00:41:04.100 and enable your business to take on a whole new lease because you have a plan, right? 634 00:41:04.100 --> 00:41:08.300 Much smarter way to get through things. 635 00:41:08.300 --> 00:41:14.700 Go read, if you have any questions about money, spend so much time in Proverbs, like just 636 00:41:14.700 --> 00:41:20.660 look at chapter six, and right at the bottom, free yourself like a gazelle from the hand 637 00:41:20.660 --> 00:41:25.220 of the hunter, like a bird from the snare of the fowler. 638 00:41:25.220 --> 00:41:30.060 Bottom line, the Bible commands us to get out of that, right? 639 00:41:30.060 --> 00:41:33.420 Like, it doesn't mean you can't use it. 640 00:41:33.420 --> 00:41:38.460 It just means you have a weird computer that doesn't obey you. 641 00:41:38.460 --> 00:41:40.900 But here's the crazy thing. 642 00:41:40.900 --> 00:41:47.260 After 12, this, this slide shows, if you pay your minimum payment every single month for 643 00:41:47.260 --> 00:41:56.380 12 months on a $20,000 balance, you have not even dropped $900 after paying a nearly 644 00:41:56.380 --> 00:41:59.020 $400 payment every single month. 645 00:41:59.020 --> 00:42:05.220 I hope that gives you some clarity, some answer. 646 00:42:05.220 --> 00:42:08.020 If you're feeling like, why can't I get out of this? 647 00:42:08.020 --> 00:42:09.020 Look at the math. 648 00:42:09.020 --> 00:42:12.980 It's very easy to see why you can't get out of it. 649 00:42:12.980 --> 00:42:21.060 Because at that rate, you'll pay on that debt, that person would pay $46,000 in interest 650 00:42:21.060 --> 00:42:29.020 alone, add to the original balance on a $20,000 card by the time it's all paid $66,000. 651 00:42:29.020 --> 00:42:30.660 So there's a much better way. 652 00:42:30.660 --> 00:42:35.660 We want you to work with an expert that specializes in getting credit card debt, personal loan 653 00:42:35.660 --> 00:42:38.620 companies to lower the balances. 654 00:42:38.620 --> 00:42:42.820 It's not you're absolutely going to pay off everything that you owe. 655 00:42:42.820 --> 00:42:45.700 You're just going to have them say, how else could we do this? 656 00:42:45.700 --> 00:42:46.700 How else? 657 00:42:46.700 --> 00:42:48.220 How else can we make this work? 658 00:42:48.220 --> 00:42:51.220 My circumstances have changed. 659 00:42:51.220 --> 00:42:57.700 This is Mary, she gave her testimonial about having a card that was $20,000 lowered to 660 00:42:57.700 --> 00:42:58.700 $5,000. 661 00:42:58.700 --> 00:43:03.820 But this is really what's going to happen when people walk through our debt renegotiation 662 00:43:03.820 --> 00:43:04.820 process. 663 00:43:04.820 --> 00:43:10.660 Number one, you lower the monthly amount that you're paying toward debt. 664 00:43:10.660 --> 00:43:12.100 Some of you need that freedom. 665 00:43:12.380 --> 00:43:13.740 You need to have that lowered. 666 00:43:13.740 --> 00:43:18.540 The second thing we do is we eliminate that daily compounding interest. 667 00:43:18.540 --> 00:43:21.420 It doesn't keep going up right now. 668 00:43:21.420 --> 00:43:24.900 If you don't pay every day, that debt is getting bigger. 669 00:43:24.900 --> 00:43:31.020 If you know the rule of 72, take your interest rate, divide it into 72. 670 00:43:31.020 --> 00:43:33.100 And most people use this for investments. 671 00:43:33.100 --> 00:43:38.940 You know, they say, oh, if I can get 12% on my investment, 72 divided by 12, in six years, 672 00:43:38.940 --> 00:43:40.660 my investment will double. 673 00:43:40.660 --> 00:43:42.540 It works the other way around. 674 00:43:42.540 --> 00:43:47.580 If your interest rate is 36%, in two years, what you owe doubles. 675 00:43:47.580 --> 00:43:51.740 Whoa, dial that back, listen to that again. 676 00:43:51.740 --> 00:43:56.500 In two years, what you owe will double. 677 00:43:56.500 --> 00:43:58.420 And that is usury, right? 678 00:43:58.420 --> 00:44:03.620 So we want to eliminate that compounding interest, reduce the actual amount of money that you 679 00:44:03.620 --> 00:44:08.900 owe by 40 to 50%, sometimes even more. 680 00:44:08.900 --> 00:44:15.620 One of my own personal ones, the amount owed, because I'd been paying so long, was low, 681 00:44:15.620 --> 00:44:20.860 was lowered by 80%, was lowered by 80%. 682 00:44:20.860 --> 00:44:26.620 And it puts you on track to be completely debt-free in two to four years, sometimes 683 00:44:26.620 --> 00:44:29.420 sooner if you want to. 684 00:44:29.420 --> 00:44:38.060 One of the other things that we do in our community is it's not that we want you to 685 00:44:38.100 --> 00:44:41.300 just save money so that you can go out and spend more money. 686 00:44:41.300 --> 00:44:48.180 Yes, I want that available to you to invest, invest in your business growth. 687 00:44:48.180 --> 00:44:53.540 Maybe you have business growth already and you're looking for other ways to invest and 688 00:44:53.540 --> 00:45:00.020 to start creating additional streams of income, especially income that happens while you sleep. 689 00:45:00.000 --> 00:45:04.080 And so in our community, the other thing that we do, 690 00:45:04.080 --> 00:45:06.480 and this will be applicable to those of you 691 00:45:06.480 --> 00:45:09.240 that don't even have the debt right now, 692 00:45:09.240 --> 00:45:12.640 we offer some really great access 693 00:45:12.640 --> 00:45:17.440 to some private venture capital situations, 694 00:45:17.440 --> 00:45:19.000 to some real estate deals, 695 00:45:19.000 --> 00:45:24.000 to some just we've vetted some really great people, 696 00:45:24.160 --> 00:45:27.600 really fantastic Christian and kingdom people 697 00:45:27.600 --> 00:45:31.640 who are helping our community 698 00:45:31.640 --> 00:45:34.740 go from paying double-digit interest 699 00:45:34.740 --> 00:45:37.800 to instead earning double-digit interest. 700 00:45:37.800 --> 00:45:39.720 We have an awesome calculator 701 00:45:39.720 --> 00:45:41.360 that I'm gonna give you all access to 702 00:45:41.360 --> 00:45:43.040 that you can play with, 703 00:45:43.040 --> 00:45:44.080 that shows you how, 704 00:45:44.080 --> 00:45:45.440 if you could take what you're paying 705 00:45:45.440 --> 00:45:48.440 in minimum credit card payments 706 00:45:48.440 --> 00:45:51.020 and move that over toward your investments 707 00:45:51.020 --> 00:45:53.160 within the next three to five years. 708 00:45:54.340 --> 00:45:56.680 I just did one with somebody 709 00:45:56.680 --> 00:46:00.560 currently paying $100,000 in credit card debt, 710 00:46:00.560 --> 00:46:02.600 and like maybe, I don't know, 711 00:46:02.600 --> 00:46:05.320 $3,000 or $4,000 a month on that. 712 00:46:05.320 --> 00:46:09.040 With the savings in monthly payment 713 00:46:09.040 --> 00:46:12.120 and eventually moving that over toward the investments 714 00:46:12.120 --> 00:46:14.940 that we have available in our community, 715 00:46:14.940 --> 00:46:17.960 in less than 10 years, 716 00:46:17.960 --> 00:46:21.200 they will have probably at least $3 million 717 00:46:22.320 --> 00:46:23.480 to the positive. 718 00:46:23.480 --> 00:46:26.960 Right now, they're $100,000 to the negative. 719 00:46:26.960 --> 00:46:28.360 And I think that's the thing. 720 00:46:28.360 --> 00:46:31.500 People just accept this debt as a way of life. 721 00:46:31.500 --> 00:46:33.600 They saw it in their parents. 722 00:46:33.600 --> 00:46:34.680 When I say to you, 723 00:46:34.680 --> 00:46:38.400 do you guys want a legacy for your family? 724 00:46:38.400 --> 00:46:40.480 Do you want generational wealth? 725 00:46:40.480 --> 00:46:44.600 Do you wanna see your children grow up differently, 726 00:46:44.600 --> 00:46:47.440 have something different for their family? 727 00:46:47.440 --> 00:46:49.600 Sometimes I can't even believe it has happened to me. 728 00:46:49.600 --> 00:46:50.680 I have one son. 729 00:46:50.680 --> 00:46:53.960 My second son worked really hard. 730 00:46:53.960 --> 00:46:56.920 He really followed the rules of how to leverage things. 731 00:46:56.920 --> 00:46:59.400 And by 30 years old, he was able to, 732 00:46:59.400 --> 00:47:01.880 he and his wife spend most of their time 733 00:47:01.880 --> 00:47:03.040 in full-time ministry. 734 00:47:03.040 --> 00:47:05.420 They work a little on the side for fun, 735 00:47:05.420 --> 00:47:08.440 and they're able to live off their investment income. 736 00:47:08.440 --> 00:47:10.440 And they're 30 years old. 737 00:47:10.440 --> 00:47:12.640 So like what most of us are building to do 738 00:47:12.640 --> 00:47:15.360 by the time we reach retirement 739 00:47:15.360 --> 00:47:18.200 with these principles that we teach in our community, 740 00:47:18.200 --> 00:47:19.500 it's actually possible, 741 00:47:19.500 --> 00:47:21.060 not only for you, 742 00:47:21.060 --> 00:47:24.060 but for your children to get this education early 743 00:47:24.060 --> 00:47:29.060 and never have to go through this whole debt rollercoaster. 744 00:47:29.260 --> 00:47:30.100 All right? 745 00:47:30.100 --> 00:47:31.820 Does that make sense to everybody? 746 00:47:31.820 --> 00:47:33.740 So I know you're probably wondering like, 747 00:47:33.740 --> 00:47:36.340 but how, but how, but how? 748 00:47:36.340 --> 00:47:37.940 The thing is, is that credit, 749 00:47:37.940 --> 00:47:39.940 creditors, collection agencies, 750 00:47:39.940 --> 00:47:42.460 doesn't even matter if you've had things you couldn't pay. 751 00:47:42.460 --> 00:47:46.580 And we have zero judgment around that in our community. 752 00:47:46.580 --> 00:47:48.260 They're willing to negotiate 753 00:47:48.260 --> 00:47:51.380 because they know that if you're struggling now, 754 00:47:51.380 --> 00:47:53.940 the likelihood that you're gonna be able to continue to pay 755 00:47:53.940 --> 00:47:57.900 or pay more in the future is statistically pretty low. 756 00:47:57.900 --> 00:48:00.700 And so they have already made their money on you. 757 00:48:00.700 --> 00:48:04.860 They're much happier to just like come to an agreement 758 00:48:04.860 --> 00:48:08.980 and call it good and get it off the books per se. 759 00:48:08.980 --> 00:48:13.660 Like they want to have you be solid 760 00:48:13.660 --> 00:48:14.940 and they want you, you know, 761 00:48:14.940 --> 00:48:17.860 rather than to have it go on and on and on. 762 00:48:17.860 --> 00:48:21.340 So people just don't know that that's an option. 763 00:48:21.340 --> 00:48:24.620 The other thing is that we walk through you 764 00:48:24.620 --> 00:48:25.620 with you a little bit, 765 00:48:25.620 --> 00:48:29.220 like why is this so much better than bankruptcy? 766 00:48:29.220 --> 00:48:32.020 Why is this so much better than consolidation? 767 00:48:32.020 --> 00:48:33.900 And I can answer those questions for you, 768 00:48:33.900 --> 00:48:37.540 but right now I don't want to go into like tons of details. 769 00:48:37.540 --> 00:48:42.540 But as we sat down and spent days, weeks, 770 00:48:42.820 --> 00:48:46.500 hours and hours together through what are all the avenues 771 00:48:46.500 --> 00:48:48.980 that our clients could use to get out of debt? 772 00:48:48.980 --> 00:48:51.900 What are the pros and cons of all those things? 773 00:48:51.900 --> 00:48:54.980 What circumstances lend themselves 774 00:48:54.980 --> 00:48:57.580 to one thing versus the other? 775 00:48:57.580 --> 00:49:00.940 This is the clear winner, right? 776 00:49:00.940 --> 00:49:03.900 This is the clear winner for almost everybody 777 00:49:03.900 --> 00:49:06.100 in our community all the time, 778 00:49:06.100 --> 00:49:08.220 because most people have gone through 779 00:49:08.220 --> 00:49:10.380 some kind of a financial hardship 780 00:49:10.380 --> 00:49:14.260 that qualifies them to renegotiate payments 781 00:49:14.260 --> 00:49:16.180 in a much more timely way 782 00:49:16.860 --> 00:49:19.780 and get that fresh start that they're really needing, 783 00:49:19.780 --> 00:49:21.140 if that makes sense. 784 00:49:21.140 --> 00:49:26.140 So the thing that I'm going to offer for all of you today 785 00:49:26.500 --> 00:49:31.460 is the chance to read Jeremy's more, 786 00:49:31.460 --> 00:49:34.180 like go through all of this information again 787 00:49:34.180 --> 00:49:35.740 to really kind of, 788 00:49:35.740 --> 00:49:37.300 maybe you'll want to do it with your husband. 789 00:49:37.300 --> 00:49:41.100 Maybe you'll want to just take some time 790 00:49:41.100 --> 00:49:43.500 to really look at the numbers, to do some research. 791 00:49:43.540 --> 00:49:48.540 I'm going to include his amazing report all about debt 792 00:49:49.420 --> 00:49:52.580 so that you can really educate yourselves around that. 793 00:49:52.580 --> 00:49:55.020 And then my assistant Rachel 794 00:49:55.020 --> 00:49:57.500 is also going to put a link up for you 795 00:49:57.500 --> 00:50:00.060 so that you can all make an appointment. 796 00:50:00.000 --> 00:50:06.320 in with one of our debt specialists, you're going to like every single person that works for us 797 00:50:06.320 --> 00:50:12.320 is absolutely amazing. Most of them have been through the process themselves. They are the most 798 00:50:13.040 --> 00:50:20.240 non-judgy, helpful, the least salesy people I know. Like they just came into this because they 799 00:50:20.240 --> 00:50:28.560 felt called by God for people to see some relief from debt. And they have experienced it themselves. 800 00:50:28.560 --> 00:50:34.720 So they'll just talk to you about where you're at. And here's the other thing that sets us apart. 801 00:50:35.600 --> 00:50:40.960 There are other secular companies or other companies that do similar things to what we 802 00:50:40.960 --> 00:50:46.400 do at Kingdom Debt Solutions. But there's one huge difference that we want for you. 803 00:50:47.280 --> 00:50:54.800 I want you to get freedom. I want you to kick the debt merry-go-round to the curb. 804 00:50:54.800 --> 00:51:00.320 And how do you do that? We teach people through the remainder of our Kingdom Wealth Movement 805 00:51:00.320 --> 00:51:07.280 community in a program we call Kingdom Cashflow Academy. And whenever somebody comes into our 806 00:51:07.280 --> 00:51:14.000 debt solutions program, we bring them into the mindset education, the financial education, 807 00:51:14.000 --> 00:51:19.200 the budgeting education. There are other companies that help with debt negotiation, 808 00:51:19.200 --> 00:51:22.800 and they don't care if you get back in debt again, they're fine with it. They would just keep, 809 00:51:22.800 --> 00:51:27.680 we only want you as a client that way one time. We want to help you kick debt permanently, 810 00:51:28.320 --> 00:51:35.840 and then give you the blueprint for wealth mastery, for creating generational wealth for your 811 00:51:35.840 --> 00:51:41.760 family. And one of the things that I also think sets us apart is right now we have an amazing 812 00:51:41.760 --> 00:51:48.480 summer offer. It's our summer sizzle. How many times have you bought something online? And once 813 00:51:48.480 --> 00:51:54.400 you get into the course, or you get into the community, you're like, yeah, these are not my 814 00:51:54.400 --> 00:52:00.640 peeps, right? Like how many places did you go before you found Rainmakers to realize this was 815 00:52:00.640 --> 00:52:08.720 your home? These are your people. This is where you're meant to be, right? And we want you to 816 00:52:08.720 --> 00:52:17.600 experience our community, our education, all of those things, and try before you buy, right? And 817 00:52:17.600 --> 00:52:22.960 here's why. Why can we do it? Why do we do it? Because we take the stewardship of the people 818 00:52:22.960 --> 00:52:29.680 that God sends our way very seriously. We want to know that you are a fit for our community, that 819 00:52:29.680 --> 00:52:35.200 this is a good thing for you to do. Before you commit to a subscription, I want you to know the 820 00:52:35.200 --> 00:52:40.800 value is there for you. Imagine if everything was like that, right? Like what if you could truly, 821 00:52:40.800 --> 00:52:46.000 and a 15-day trial isn't going to do it. It's going to take a little while for you to work 822 00:52:46.000 --> 00:52:50.880 through your budget, for you, for us to show you the software, for us to show you the course, 823 00:52:51.520 --> 00:52:56.640 to let you come into our budgeting sessions, but we're going to give you, all of you, our, 824 00:52:57.440 --> 00:53:04.480 I'm going to give all of you, this is the longest free trial we've ever done, and it's because I 825 00:53:04.480 --> 00:53:11.440 know summers are busy for moms, and so I don't want anybody to feel pressured to take time from 826 00:53:11.440 --> 00:53:16.480 their kids to get through this budgeting process. I want you to feel like you can commit to it 827 00:53:17.040 --> 00:53:23.600 and have a true breakthrough, not some short little thing, but something that really is 828 00:53:23.600 --> 00:53:30.880 going to make a difference in your lives over the long haul. So I know we are almost out of time, 829 00:53:30.880 --> 00:53:36.240 but if there are some questions, if there are things, I don't know what your policy, Danielle, 830 00:53:36.240 --> 00:53:42.000 as I see people are asking, I assume you make your recordings available in your community. 831 00:53:42.960 --> 00:53:48.560 Yeah, yeah, I got that. There was a question about balance transfers. 832 00:53:50.240 --> 00:53:56.240 Amy asked about what you think, what you thought about balance transfers, 833 00:53:56.240 --> 00:54:01.520 I think, within the credit cards. Yeah, so let's talk a little bit about that. Most of the time, 834 00:54:02.320 --> 00:54:08.800 they, it's a teaser, right? They'll say, hey, zero percent balance transfer, where they charge 835 00:54:08.800 --> 00:54:14.560 you the interest is in the balance transfer fee. You know, like it'll say, oh, it's a three and a 836 00:54:14.560 --> 00:54:20.080 half percent one time. That's actually a huge fee, right? They're basically just collecting the 837 00:54:20.080 --> 00:54:27.920 interest up front and counting on the fact that if you had to balance transfer this, you probably 838 00:54:27.920 --> 00:54:35.120 won't get through getting the, getting it paid off in time. I'm not saying there's never a time 839 00:54:35.120 --> 00:54:40.320 to use a balance transfer, but I will also tell you this, that's a little bit the shell game I 840 00:54:40.320 --> 00:54:46.960 played. When I had great credit, I could move and get another balance transfer and get another card. 841 00:54:46.960 --> 00:54:53.040 But if you do that very long, it won't keep, it won't continue to be available. I think most of 842 00:54:53.040 --> 00:54:58.320 you've experienced that. It's okay for a time or two and pretty soon there's nowhere to transfer to. 843 00:55:00.000 --> 00:55:03.040 thing is, yes, it's great to pay your payments on time. 844 00:55:03.040 --> 00:55:05.960 And there are a lot of things that improve your credit score. 845 00:55:05.960 --> 00:55:09.600 But the thing that tanks it the most is your utilization. 846 00:55:09.600 --> 00:55:12.680 Utilization is the amount of available credit 847 00:55:12.680 --> 00:55:14.880 that you're using. 848 00:55:14.880 --> 00:55:18.560 So the larger your balances become, 849 00:55:18.560 --> 00:55:21.360 the more your score will plummet. 850 00:55:21.360 --> 00:55:25.800 The more your score plummets, even if you never 851 00:55:25.800 --> 00:55:28.960 pay a payment late, they can start raising your rates. 852 00:55:28.960 --> 00:55:31.400 And I think that for people, they're just 853 00:55:31.400 --> 00:55:33.720 unaware that that can happen. 854 00:55:33.720 --> 00:55:36.120 And so you feel bait and switched. 855 00:55:36.120 --> 00:55:43.280 And yet, these are the same people who are not 856 00:55:43.280 --> 00:55:46.560 comfortable with renegotiating. 857 00:55:46.560 --> 00:55:48.640 But that doesn't make sense. 858 00:55:48.640 --> 00:55:50.680 They don't even have to renegotiate with you. 859 00:55:50.680 --> 00:55:54.000 They just give you new terms and say, tough luck. 860 00:55:54.000 --> 00:55:55.760 These are your new terms. 861 00:55:55.760 --> 00:55:58.080 And this is about, as a community, 862 00:55:58.320 --> 00:56:00.200 saying, hey, I don't really like these terms. 863 00:56:00.200 --> 00:56:02.040 This isn't going to work for me. 864 00:56:02.040 --> 00:56:04.160 And here's something that will. 865 00:56:04.160 --> 00:56:07.600 And the best part is, unlike bankruptcy, 866 00:56:07.600 --> 00:56:09.920 where you're asking the public at large 867 00:56:09.920 --> 00:56:13.600 to take on a tax burden to pay for unpaid debt, 868 00:56:13.600 --> 00:56:16.920 with debt renegotiation, you're renegotiating 869 00:56:16.920 --> 00:56:19.760 with the person who borrowed to you. 870 00:56:19.760 --> 00:56:21.920 And they don't have to accept any terms 871 00:56:21.920 --> 00:56:23.600 that they're not comfortable with. 872 00:56:23.600 --> 00:56:27.560 So if you bought a car from somebody 873 00:56:27.560 --> 00:56:30.720 and it ended up having some problems and something changed, 874 00:56:30.720 --> 00:56:32.480 and you went back to the seller and said, 875 00:56:32.480 --> 00:56:35.600 hey, listen, this deal we agreed to 876 00:56:35.600 --> 00:56:36.680 isn't really going to work. 877 00:56:36.680 --> 00:56:40.040 I'll keep the car, but I want it for $2,000 less 878 00:56:40.040 --> 00:56:42.560 because this happened, that happened, 879 00:56:42.560 --> 00:56:45.280 you can renegotiate the deal. 880 00:56:45.280 --> 00:56:53.000 And in business, as in life, you get what you negotiate. 881 00:56:53.000 --> 00:56:57.880 And so I'm taking the skill that you have in business. 882 00:56:57.880 --> 00:57:00.880 If you have any questions about negotiation, 883 00:57:00.880 --> 00:57:02.720 hopefully some of you have a three-year-old. 884 00:57:02.720 --> 00:57:05.920 They are master renegotiators, right? 885 00:57:05.920 --> 00:57:08.120 Like, but this, but this. 886 00:57:08.120 --> 00:57:14.040 And so all we're doing is taking a legally viable option 887 00:57:14.040 --> 00:57:15.680 and giving you the freedom that you 888 00:57:15.680 --> 00:57:20.720 deserve to have a fresh start to really build the wealth 889 00:57:20.720 --> 00:57:23.280 and have that expansion in your business 890 00:57:23.280 --> 00:57:26.960 that I know so many of you are looking for. 891 00:57:26.960 --> 00:57:28.320 There is a question. 892 00:57:28.320 --> 00:57:31.640 Do you recommend doing the 70-day trial now 893 00:57:31.640 --> 00:57:36.400 in addition to the debt specialist call? 894 00:57:36.400 --> 00:57:39.600 Or should I wait until the debt process is complete? 895 00:57:39.600 --> 00:57:41.320 So the link will still be good. 896 00:57:41.320 --> 00:57:44.240 I don't want you to wait until the debt process is complete. 897 00:57:44.240 --> 00:57:47.440 But for most of you, if you walk through the debt specialist 898 00:57:47.480 --> 00:57:52.880 call, they're going to give you access to our other program. 899 00:57:52.880 --> 00:57:55.480 When you say yes to the debt renegotiation, 900 00:57:55.480 --> 00:57:57.480 they'll already include that. 901 00:57:57.480 --> 00:58:00.360 But if you're a go-getter, and I hope most of you are, 902 00:58:00.360 --> 00:58:02.400 I'm giving you the second one because you 903 00:58:02.400 --> 00:58:03.600 can get started today. 904 00:58:03.600 --> 00:58:04.280 It won't hurt. 905 00:58:04.280 --> 00:58:09.640 You'll just be ahead of the game if you do both of those things. 906 00:58:09.640 --> 00:58:16.080 You'll just be that much farther into the process. 907 00:58:16.080 --> 00:58:16.800 All right. 908 00:58:17.320 --> 00:58:20.920 I hope, I mean, I know not everybody's on camera, 909 00:58:20.920 --> 00:58:24.680 but please let me know if this gave you some value today. 910 00:58:24.680 --> 00:58:27.920 That really lights me up to know that the people who 911 00:58:27.920 --> 00:58:31.560 are nearest and dearest to me, which is all of you, right? 912 00:58:31.560 --> 00:58:36.440 I want nothing more than for all of you 913 00:58:36.440 --> 00:58:41.720 to experience what I've had the opportunity to get to 914 00:58:41.720 --> 00:58:45.480 in business and to learn from, there 915 00:58:45.480 --> 00:58:48.160 is wisdom in a multitude of counselors. 916 00:58:48.160 --> 00:58:52.080 And when you, I want to share with you the mistakes I made 917 00:58:52.080 --> 00:58:56.320 and be transparent about them so you can avoid them. 918 00:58:56.320 --> 00:58:58.880 And Julie, I see your question there. 919 00:58:58.880 --> 00:59:00.760 And if you're somebody who needs a card 920 00:59:00.760 --> 00:59:02.960 to remain open for business, just 921 00:59:02.960 --> 00:59:06.240 tell your debt specialist about that 922 00:59:06.240 --> 00:59:09.440 and they'll work with your specific situation. 923 00:59:09.440 --> 00:59:11.560 They're used to business owners. 924 00:59:11.560 --> 00:59:14.240 They totally know what you need. 925 00:59:14.240 --> 00:59:18.040 So Danielle, would you mind if, would it 926 00:59:18.040 --> 00:59:20.720 be OK if I just say a prayer over the people that 927 00:59:20.720 --> 00:59:21.600 were here today? 928 00:59:21.600 --> 00:59:24.680 I would be so honored to do that if that's all right. 929 00:59:24.680 --> 00:59:25.960 Oh, go ahead. 930 00:59:25.960 --> 00:59:29.560 Awesome, awesome. 931 00:59:29.560 --> 00:59:33.280 Lord, I am just so humbled for this opportunity. 932 00:59:33.280 --> 00:59:37.440 I, you know that my heart is to find a way 933 00:59:37.440 --> 00:59:40.520 to be like that Titus II older woman. 934 00:59:40.680 --> 00:59:44.200 It's not something I have in my daily community. 935 00:59:44.200 --> 00:59:50.680 And I just feel my heart is so, so torn up 936 00:59:50.680 --> 00:59:53.040 for women who want to grow a business, who 937 00:59:53.040 --> 00:59:57.040 want to be fantastic moms, who want to lead their children 938 00:59:57.040 --> 00:59:59.560 and have them grow up. 939 00:59:59.560 --> 01:00:01.120 To be. 940 01:00:00.000 --> 01:00:01.720 You spiritual giants, Lord. 941 01:00:01.720 --> 01:00:06.560 And I just ask that you would pray that you would give every family 942 01:00:06.560 --> 01:00:11.760 represented here, hope, a vision for their future, and just give them 943 01:00:11.840 --> 01:00:17.880 exceedingly abundantly so much more than they ever could think or imagine, 944 01:00:18.600 --> 01:00:23.160 knowing that you are behind them and helping them get wisdom every step of 945 01:00:23.160 --> 01:00:26.320 the way in, in Jesus name, I pray. 946 01:00:26.560 --> 01:00:27.000 Amen. 947 01:00:28.240 --> 01:00:29.400 Amen. 948 01:00:29.520 --> 01:00:30.640 Awesome. 949 01:00:31.160 --> 01:00:32.840 Thank you so much. 950 01:00:32.840 --> 01:00:34.320 Can we just thank her? 951 01:00:34.320 --> 01:00:36.880 I've already, our community is so awesome. 952 01:00:36.880 --> 01:00:41.160 So there's already like, thank yous in the chat already, but this was definitely 953 01:00:41.160 --> 01:00:42.120 saving the chat. 954 01:00:42.120 --> 01:00:44.440 Like I want to read every single thing. 955 01:00:44.440 --> 01:00:48.200 It's hard to read while you're presenting and I love it so much. 956 01:00:48.320 --> 01:00:48.560 Yeah. 957 01:00:48.560 --> 01:00:50.560 A lot are saying, I'm going to book a call. 958 01:00:50.560 --> 01:00:52.040 This is really inspiring. 959 01:00:52.040 --> 01:00:53.520 Thank you so much. 960 01:00:53.840 --> 01:00:55.360 Lots of amens. 961 01:00:55.400 --> 01:01:00.640 Truly you guys, even if I, I would just so love to get to know all of you and 962 01:01:00.640 --> 01:01:01.080 serve you. 963 01:01:01.080 --> 01:01:05.320 And I work a lot on the budget side with people that are doing the free trial. 964 01:01:05.320 --> 01:01:10.480 And so just to connect further, get a chance to know you feel free to take. 965 01:01:11.320 --> 01:01:13.160 You know, take advantage of the free trial. 966 01:01:13.160 --> 01:01:16.040 We just want to get to know you and know how to support you better. 967 01:01:16.040 --> 01:01:16.920 I would love that. 968 01:01:17.520 --> 01:01:18.120 Yeah. 969 01:01:18.560 --> 01:01:19.680 I awesome. 970 01:01:19.680 --> 01:01:21.200 So, so good. 971 01:01:21.400 --> 01:01:21.800 Okay. 972 01:01:21.800 --> 01:01:23.280 Julie's already booking a call. 973 01:01:23.320 --> 01:01:23.840 Love it. 974 01:01:23.920 --> 01:01:25.120 Oh, and she got Andrea. 975 01:01:25.120 --> 01:01:26.200 Oh, she'll love her. 976 01:01:26.240 --> 01:01:27.040 That's awesome. 977 01:01:28.120 --> 01:01:29.280 That's so cool. 978 01:01:29.800 --> 01:01:30.120 All right. 979 01:01:30.120 --> 01:01:30.360 Yeah. 980 01:01:30.440 --> 01:01:34.280 Thank you so much, Danielle, just for the opportunity to be invited. 981 01:01:34.280 --> 01:01:39.840 I just feel like your community has such an awesome reputation. 982 01:01:40.200 --> 01:01:42.400 You guys are known for really. 983 01:01:42.880 --> 01:01:49.160 Um, giving so much opportunity to homeschool moms, to just people, to young 984 01:01:49.160 --> 01:01:52.600 entrepreneurial women who still really also want to serve their family. 985 01:01:52.600 --> 01:01:58.160 So I feel honored to, to be here to support what Steven and Chelsea are doing. 986 01:01:58.160 --> 01:01:58.440 Yeah. 987 01:01:58.440 --> 01:01:59.400 Just so awesome. 988 01:01:59.400 --> 01:02:00.840 Thank you guys so much for having me. 989 01:02:01.280 --> 01:02:02.160 Oh, for sure. 990 01:02:02.160 --> 01:02:04.760 That we, we take serious who we, who we bring in. 991 01:02:04.760 --> 01:02:05.160 Right. 992 01:02:05.160 --> 01:02:08.760 So Rachel, if you could just drop the links one more time, there was a couple 993 01:02:08.760 --> 01:02:13.400 asking, so I just want to make sure you all grab the links, um, to book that 994 01:02:13.400 --> 01:02:15.880 call and to get the 70 day free trial. 995 01:02:16.400 --> 01:02:18.760 So we're going to drop that one more time. 996 01:02:18.840 --> 01:02:25.160 And then as always, our replays are going to be in the app and in search rainmakers. 997 01:02:25.160 --> 01:02:27.840 There also will be the links attached to that as well. 998 01:02:28.120 --> 01:02:34.800 Um, but yeah, free trial link, 70 days that can be started ASAP and 999 01:02:34.800 --> 01:02:37.520 then debt renegotiation, free call. 1000 01:02:37.920 --> 01:02:38.320 Okay. 1001 01:02:38.320 --> 01:02:39.560 Leslie, I see you, girl. 1002 01:02:39.560 --> 01:02:40.840 We got one more question. 1003 01:02:40.880 --> 01:02:44.640 Um, what about support on just wealth building? 1004 01:02:44.640 --> 01:02:46.880 Is that part of the trial or the. 1005 01:02:47.440 --> 01:02:49.560 So kingdom cashflow Academy. 1006 01:02:49.680 --> 01:02:50.560 Absolutely. 1007 01:02:50.560 --> 01:02:51.800 There is so much there. 1008 01:02:52.120 --> 01:02:55.160 You guys will get a ton of value around. 1009 01:02:55.200 --> 01:02:59.200 We have, uh, a career coach in there too, and you can utilize her 1010 01:02:59.200 --> 01:03:00.720 mindset and career coaching. 1011 01:03:00.720 --> 01:03:05.560 It will really help you understand like, what are the strengths in your business 1012 01:03:05.560 --> 01:03:10.800 and where maybe should you look to leveraging a VA or like, what do you do 1013 01:03:10.800 --> 01:03:11.280 best? 1014 01:03:11.280 --> 01:03:13.000 What are you working too hard at? 1015 01:03:13.000 --> 01:03:14.880 That isn't a good fit for you. 1016 01:03:15.440 --> 01:03:17.880 Just general budgeting things. 1017 01:03:17.960 --> 01:03:23.520 Um, just so much, this is, it is a really abundant course and I would 1018 01:03:23.520 --> 01:03:25.800 love for you to plug into that. 1019 01:03:25.800 --> 01:03:31.040 And, and when you join, you'll get to go on like an initial call where they 1020 01:03:31.040 --> 01:03:35.720 kind of tour you around the community and give, show you what kinds of calls 1021 01:03:35.720 --> 01:03:39.160 are available to you between budgeting. 1022 01:03:39.240 --> 01:03:44.560 Um, there's Jeremy does a monthly ask me anything call lots of stuff about 1023 01:03:44.560 --> 01:03:49.200 investing in there, lots of business building with me too, and the budget, 1024 01:03:49.240 --> 01:03:50.760 like I do the budget room. 1025 01:03:50.760 --> 01:03:55.120 So if you want to ask business things at the end, I am an open book. 1026 01:03:55.120 --> 01:03:59.520 I, I hold nothing back on delivering the content or delivering what 1027 01:03:59.520 --> 01:04:01.120 my experience is in business. 1028 01:04:01.120 --> 01:04:05.520 So if you want a little more of that, we, we are so thrilled to have you. 1029 01:04:07.720 --> 01:04:08.680 So good. 1030 01:04:09.040 --> 01:04:09.640 So good. 1031 01:04:09.680 --> 01:04:13.120 Oh, appreciate you so much, Shelley. 1032 01:04:13.440 --> 01:04:16.840 And everyone, thanks for coming on this Friday. 1033 01:04:17.760 --> 01:04:20.400 Um, let's just have an awesome day. 1034 01:04:20.400 --> 01:04:21.760 Let's have an awesome weekend. 1035 01:04:21.760 --> 01:04:23.280 Let's remember our visions. 1036 01:04:23.280 --> 01:04:27.800 Let's remember what God has placed in each of your hearts and your vision. 1037 01:04:28.160 --> 01:04:31.000 And, um, yeah, take full advantage of this. 1038 01:04:31.320 --> 01:04:33.280 So thank you so much. 1039 01:04:33.280 --> 01:04:33.680 Thank you. 1040 01:04:33.680 --> 01:04:34.800 Everybody else. 1041 01:04:35.160 --> 01:04:35.720 Oh, okay. 1042 01:04:35.760 --> 01:04:38.440 Also there's a referral program, so. 1043 01:04:38.960 --> 01:04:39.960 Oh yeah, I should have done. 1044 01:04:40.000 --> 01:04:41.800 I forgot who I was talking to. 1045 01:04:41.920 --> 01:04:43.960 Um, we are all about that. 1046 01:04:44.160 --> 01:04:45.200 Actually, definitely. 1047 01:04:45.200 --> 01:04:49.360 There's a referral program, um, up to 33% referrals. 1048 01:04:49.360 --> 01:04:54.600 So if you're somebody who wants another stream and all you want to do is share, 1049 01:04:54.600 --> 01:04:58.400 here's a great place to get debt relief or learn some stuff about money. 1050 01:04:58.880 --> 01:04:59.280 Yeah. 1051 01:04:59.480 --> 01:04:59.960 Easiest. 1052 01:05:00.000 --> 01:05:03.520 referral ever, I think, and I've made my fortune in referrals. 1053 01:05:03.520 --> 01:05:05.600 So, so yeah, come check us out. 1054 01:05:06.600 --> 01:05:07.320 Love it. 1055 01:05:07.480 --> 01:05:08.000 All right. 1056 01:05:08.000 --> 01:05:08.840 Well, thank you. 1057 01:05:08.840 --> 01:05:10.080 And thank you everyone. 1058 01:05:10.080 --> 01:05:11.200 We'll see you soon. 1059 01:05:11.360 --> 01:05:12.360 Bye. 1060 01:05:12.560 --> 01:05:13.600 Bye everyone.