I'm going to let everybody in.
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.
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.
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.
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.
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.
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.
So, um, without further ado, I want to bring on Shelly. Is it Barnaby?
It is.
Welcome, Shelly.
Thank you so much, Danielle, I was saying before we got on you guys.
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.
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.
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
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.
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.
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.
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.
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,
We live like in the North woods of Wisconsin.
If, if I want a Starbucks, it's like a hundred miles, like it's commitment.
It is.
I do not live in a place where things felt easy or accessible.
And I have 10 kids.
I don't know if that'll be a surprise to anybody.
They're all, I shouldn't say that.
I have 10 adults now, half of my children have children.
I have 18 grandchildren so far that my kids range in age from, I got to
think what month I'm in 39 to 22.
And my grandchildren range in age from 17 to a baby.
So I've got a huge, like my family now is almost 40 people.
And at the same time, I was so committed to home.
Like when I started homeschooling, can you guys just like, go back to the dark
ages, this was the 1980s, the late 1980s.
And like CPS would knock on your door.
Uh, people from the school would come out and wonder what you were like.
I felt like I lived in a fishbowl all the time and I was a hot mess, right?
Like I grew up mostly with just one brother and later some half and step
siblings, but I just had no frame of reference for what it meant to have a
bunch of little kids and by no means was I rocking it, let's just like, it was
more like the, somebody would knock on the door and I'd be like, everybody hit
the dirt, right?
Like I didn't want anybody to see what I had going on.
I was built for business and I wrestled with the Lord so much.
Like my heart is in changing my family's legacy.
I felt like when I looked at that first baby, I'm like, wow, this is my risk.
Like this is bone of my bone, flesh of my flesh.
I felt such an enormous responsibility to raise these children up in the
nurture and admonition of the Lord.
And I had no clue what that was going to look like or how I was going to do it.
And because we lived in this really rural area, right?
Like my husband had a decent job, but it was like, you know, there
was more month than money.
And I know some of you are probably looking for solutions in business and
things that you want to do for that very reason.
And I felt more confident, honestly, in like how to grow business or how to, I
just felt like that's what I was more made for.
So enter probably like the early nineties.
So even before that, I started in, when my kids were tiny, I started in direct
sales, home party, it was the era of home parties.
I had a station wagon that came from a direct sales company.
It had paneled sides, ladies.
I was rocking it.
I mean, I'm telling you was car seats from front to the back.
It was, it was something else, but do you know what?
I was so grateful.
Like it started changing my life.
I'm like, I got a car because I went out to somebody's house and did some
parties and talk to some people.
And I think I can, I think maybe I can do this.
And when the internet came into being, we make jokes all the time.
Like, uh, it was probably the early 1990s.
In order to, this won't make, this is a terrible frame of reference for you,
but back in that time, you had to dial long distance in order to
connect your dial-up to the internet.
So it was like 30 cents a minute in addition to what
you paid for the internet.
So if you had AOL, which is about all there was back then, you would dial
and try to use the internet in like five minutes and do a search and then disconnect.
So every time you wanted to like look something up, you'd connect and
disconnect, connect and disconnect.
And, and we paid, it was so much money.
It felt like so much money back then, but I was so enamored with what I
thought this could do for me because.
And it started just with the idea of sending an email, right?
It started literally like, I'm going to be able to communicate
with people in real time.
At that point, I was living in a town where there were no other homeschoolers.
I thought I was literally the only person doing this.
I had no idea, nobody in my church, nobody in my town.
I didn't, there were no groups.
It was a whole new thing.
I felt like a pioneer.
And from there, the relationship started to develop.
And then I began to see.
that there would be ways to leverage these relationships
into income producing opportunities.
So I look at all of you now and I think,
oh, it's so easy.
It's so easy for you, but here's where it's not so easy.
For you, there's so much noise.
There are so many options.
There are so many ways to do this
that it's like information overload.
So part of what I wanna talk to you about today
is like, how can you get on a course?
How can you make financial decisions for your business?
How can you just do that juggle
between how much time do I spend on my business
versus how do I keep this ball rolling with family and kids
and all of those kinds of things?
So within the realm of what I do at Kingdom Wealth Movement,
which is really absolutely around helping Christian families
knock debt to the curb, right?
Get a whole different outlook on the way you think about debt
good debt versus bad debt.
Many of you, like there's a weird thing that goes on
in the Christian community that kind of says,
it's like this idea that somewhere out there
there's a perfect ideal Christian budget
and you just haven't locked into it yet.
That's really false, right?
Like it's a lot more Holy Spirit led than that.
What you're called to do, what's right for your spending
is not what's right for my spending.
How much you leverage debt to build your income
is very personalized.
And there are a lot of places in Christian,
can I just share with you that when we started
our very first brick and mortar business,
it was like a trucking company, a logistics company.
And we had a pastor and people at that time tell us
it's wrong to take out business debt.
You need to start this business for cash.
As a result of that, we were ready to start that business
in 1990, like my husband had the call to do it then.
We didn't open it until almost 13 years later
because we bought the lie that the way to do that
was to save half a million dollars first
to get the business going.
I look at that now and I think how crazy was that?
We needed to leverage the debt to grow the company.
And instead we leveraged our children's growing up,
we leveraged our lives to launch a company 13 years late.
And so I wanna be a resource for you to say like,
how does a person make decisions around debt?
What can you do?
Like some of you maybe when you start in business,
do you realize what you build is a series of mistakes
that eventually become your success?
Like if I stacked them up, I have far more things
that go, well, that didn't really work out.
That goes into the pile of that didn't really work out.
A lot of times in business, what you're doing
is finding a thousand things that don't work
until you land on the thing that's currently working
and what's doing well.
And I know that in the process of that,
some of you have taken on some debt that you regret
or that you don't feel like you got the value out of it.
And it becomes a really weighty thing.
How many of you feel like,
and this can happen with spouses too,
like you guys, I'm kind of,
if there was a 12 step program for course collectors,
I might be the leader of this group, right?
Like, because it's so easy to look outward to say
the next course, the next coach, the next mastermind,
the next thing is going to be the thing.
Can I tell you that when you're called to business,
the Holy Spirit puts in you everything that you need, right?
You might leverage a relationship,
you might leverage some new knowledge and information,
but if you're called, you have the skills.
It's just about taking the next right step.
So I'm hoping today that if I share some things about,
I love that.
My core, I don't know if I have a course graveyard.
I only let my courses go to purgatory because I tell myself
I'm still going to do them someday,
even if they're from 15 years ago,
like somehow I think that's going to still apply, right?
So I want you guys to really interact in the chat.
I want you to ask lots of questions
and I am going to pull up and just talk a little bit about,
at Kingdom Wealth Movement,
we have a sister company called Kingdom Debt Solutions
that has grown out of the need we saw for our clients
who really wanted to follow the Lord.
They wanted to be.
building their businesses and accelerating their careers.
And yet the first thing I was hearing from everybody
all the time was, I can't prioritize my business
because I have all these minimum payments.
I have all these debts.
I have like, it was just debt, debt, debt.
Everybody was so debt focused
that the minute their debt was gone, they were regrowing it
because all they were thinking about was debt
versus wealth creation,
versus being focused on where you're going
instead of like this payment you're making today, right?
So let me just fire up a little bit here
and can you guys live with me
if I absolutely pick and choose
as we go through these things?
Is that gonna work for everybody
if I skip a few things here and there?
I hope it will.
And I've got a gal from my team too.
She's gonna be helping me in the chat.
So if I don't see everything, please know,
we'll take some questions at the end as well.
But I wanna fire through some things
and just really talk about how can you,
if you have a lot of personal loan
or credit card debt right now,
how could you ethically reduce that by 40 to 50%
and do that without having to consolidate,
to refinance or to declare bankruptcy
or feel like in any way you're compromising
your kingdom values to do that?
Is that something you guys would like to know how to do?
I hope so.
Yes, real quick.
We are on presenter mode.
Okay, and so you guys are seeing.
We're seeing notes and you're next.
I don't want that at all.
That should not be that way.
Three, the three little dot, I don't.
Yeah, hold on.
Let's just, let's look at that again.
She just needs to screen share the other screen.
Let's see.
I'm just looking at the options here
to see if it will let me do that a little bit differently.
Nope, don't want that, don't want that, don't want that.
Maybe it's just a sign, right?
That I don't need all of these.
Maybe we don't need all of these slides.
Let me see if I can.
Well, if you put your screen the way it was back up,
maybe we could just figure out
how to do the presenter mode real quick from that angle.
Yeah, let's hold on.
Let's see.
Let's see what happens if I do it like this.
Okay, let's see.
Are you guys seeing that fine now?
Oh, that's great.
Is this, this is great.
Yeah, let's just do it like this.
So right off the gate, just so you guys understand,
one of the strategies, the biggest strategy
that I'm gonna present for you today
is for people who have $10,000 or more
in credit card, personal loan debt, right?
If you have less than that,
I'll talk to you about another offer,
but here's why I still want you to pay attention.
Like, maybe that isn't you,
but honestly, how many people in your life,
in your business, in the people that you're surrounded by,
do you know that if that's not you,
you are in a tiny minority
and you should say an extra grateful,
you can have extra gratefulness.
But if that is you,
the thing I really wanna acknowledge
is for some weird reason,
like it seems like a lot of people
are experiencing shame around that
or judgment or like somehow if you leveraged debt
to grow your business,
that you made a mistake.
And can I say, I think I made the opposite mistake
by being so fearful of debt
that I wasn't able,
that we didn't follow the Lord's call
quickly enough in our business.
So let me just say like most people,
here's the thing,
most people are in the scroll hole all day long.
And what you all are doing
is you're doing something about your debt
by growing your business.
So give yourselves a little pat on the back
for that right out of the gate.
And again, it's kind of like I said,
if this might not be for you,
but I bet it's for someone in your life, okay?
Or if you ever end up in this situation,
can I tell you that our commitment
to being debt-free early on
I was pretty successful for that,
with that for decades.
I think what it actually led to
was a really slow growth in our business.
And if I had to do it over again,
I would leverage debt more,
but I did.
to end up in a situation like what is talking about here.
I didn't ever anticipate
that I would experience a huge amount of debt,
but we experienced during COVID two life-altering events,
like in COVID and right after,
two life-altering events that brought me more debt
than I ever anticipated.
And I'm gonna tell you about it, but not yet.
So you have to hang on.
But I want you to have a few of these facts.
We'll go through them, but don't feel like I said,
you have to get all of this down, but this is true.
Consumer debt, worst it's ever been.
It has reached almost one and a half trillion dollars,
which honestly, if we took the time
to unpack what a trillion is, it would blow your minds.
And we just this year created this slide presentation.
And can I tell you, as of May,
I got the updated results that show
that now the average US credit card balance is up even more.
And as of May, the average interest rate is 24.5%.
So when people start talking about,
oh, just do the snowball method.
Number one, people are struggling
to pay their minimums sometimes.
Number two, the reason if it feels
like you can't get traction doing something
like the snowball method,
it's because it would literally take you paying
three to four times the minimum
to actually get on top of that.
With the interest rate being what it is,
the snowball method could work
when people's interest rates on credit cards
were only like nine, 10%.
Once you have debt that's compounding daily
at these, this is usury, right?
The Bible actually talks about it and that's what it is.
And so we're at an all time high of people
who have 90 day delinquent credit card debt,
loan debt, all of those things.
I don't think it's any news to anybody
that the country is in a debt crisis, right?
Like I don't have to unpack this too hard.
Most of you either are experiencing it
or you see people in your life
who are experiencing it as well.
So Amy, is your name Amy?
I see your hand is raised.
Do you wanna ask a question?
I, maybe it's not on purpose.
Oh, no problem.
So I don't know, if you guys think about it,
do you feel like you're building, right?
And so I really honor that.
Some of you might not be in a place
where you feel like your financial situation
is worsening right now,
but more than half of Americans do feel like that
and they feel like things are going downhill.
So this is Jeremy's story.
So that he talks about the debt problem in his life.
I'm gonna share with you a little bit
about how mine came into being.
During COVID, we had built the largest business to date
that my husband and I had built.
And it's almost staggering, honestly,
like I feel a little weird sharing it with you,
but I also want you to know what's possible.
Maybe right now, like you're digging in
because you were a single income family
and you wanted a side hustle
and you wanted to start adding a thousand or two extra
to the family budget with the idea of someday,
like maybe what I wanted more than anything,
what anybody with 10 kids wants
is for their husband to come home.
And like, instead at first,
I had a husband who also had a side hustle, right?
Because that's what it took for us in the early years.
But my big dream was for us to work together,
for us to work as a family
and to create a legacy of generational wealth.
And so we did that.
Like slowly we built like line upon line,
precept upon precept,
like that's how I felt we built our business.
And the pinnacle of that in 2019 and 2020,
we had an internationally based business
in geography for your kids, Liechtenstein.
So it's a little teeny country,
kind of Germany, Austria, Switzerland.
We had offices in all of those places.
We were traveling internationally.
I got to be on 160 flights, I think in 2019,
spoke to some of the largest audiences of my life,
like more than 10,000 people at a time,
just really felt like we were living the dream, right?
Then COVID came and we were locked down.
international business brought a whole new set of challenges.
We weren't able to send wire transfers and do a lot of the things we had been doing.
But fortunately, we'd grown such a big business that we eventually were able to
sell at a multiplier and that worked out.
However, in the process,
we had a business partner.
I want to be careful about how I tell the story simply because I
don't question people's salvation,
but I know that in dire circumstances,
people can make really bad choices.
In our case, long time kingdom friends and associates and
business people ultimately chose to embezzle millions of dollars from
our clients and from us personally.
Was it a financial setback?
Yes. But if I'm honest with you,
for me, the setback felt personal, emotional, spiritual.
I was wrecked, absolutely wrecked,
and felt such a tremendous burden for the people that were our clients.
My husband and I weren't in full agreement about,
should we use our own money to pay back clients?
It was messy. It was so, so messy.
It was probably the biggest challenge we thought of our lives.
As we're muddling through and as we're muddling through COVID,
we lost our home in a tornado.
We'd had the same, thought we were protected.
This is starting to sound dramatic and awful,
and I want you to know it's going to a good place.
But lost our home,
ended up being an uninsured event.
Then we had a big decision to make.
Fortunately for us, we had a beautiful rental property in Florida and we said,
hey, we can just start rebuilding this.
We can go live in our house in Florida in the winter, all will be well.
We started rebuilding our home for cash and it was really financially challenging,
but we had a plan.
We were working it out.
Five days before we were supposed to go to Florida,
Hurricane Ian chose to swallow up our house in Florida.
So you guys, with the third thing,
I'm always somebody who will say,
I'm a little bit of a Pollyanna,
the Lord's got me, it's all good.
Can I just honestly tell you,
it did not feel all good in those days.
It did not feel all good at all.
Yet I was a leader and I needed to run a business and I needed to be strong for my children,
for my grandchildren, for my husband,
for everything that's happening.
Anybody else feel like they're the glue?
Mamas are the glue.
It doesn't change when you become the grandmother,
it just adds more people.
Because of that, I just thought,
okay, it's all going to work out.
I had a fantastic credit score.
Honestly, I didn't even know how fantastic because I'd never needed it.
The beautiful thing about a credit score is when you don't need it,
your score is like 800.
If you actually need it, your score is trash.
But the weird thing is that we live in a society that at first,
when they started having a FICO score,
it was like a big secret,
only the banks could know.
Now, it's on every statement you get.
Like somebody wants to tell you all the time,
you're this worthy.
This is your number.
Here's your sign.
It's almost like you're expected to wear it and it says something about you.
Can I tell you right now?
It really says nothing about you.
What it said about me was,
hey, these people make a lot of money and they don't ever need to borrow any,
so they get a really good number.
Of course, I had credit cards,
but I paid them in full every month.
I had credit cards with enormous limits and zero percent offers.
While we were working it out,
we thought with the insurance company,
we just started buying the materials necessary to start our new home.
Before we knew it,
I was easily six figures in debt for the first time in my life.
Then it didn't work out with the insurance company.
All of a sudden,
my minimum credit card payments were upwards of $5,000 a month.
The interest rates were not zero percent anymore,
they were 20 something and going up and going up.
This perfect credit score,
even though I had no idea what was going on,
I never missed a payment.
All of a sudden my credit score
I was still able to pay my bills.
has dropped by like 200 points.
And they're upping my credit
or they're upping my interest rate,
but I haven't paid anything late.
And they're lowering our limit,
but I haven't paid anything late.
And so you get this feeling of feeling guilty or ashamed
or like I've done something wrong because my number,
like this little meter that somebody who doesn't know me
has now put on me is telling me I'm bad.
I've done a bad thing.
And I just think that as women
and as people who love God and wanna please him
and wanna be a good witness and a testimony,
it feels very bad to feel bad.
And so if you've gone through something,
I want you to know you are 100% not alone in this.
Our debt specialists at KDS talk to people
with the same stories all day long.
And I promise you that we have solutions
for you to get through this, right?
We have a proven path that if you've been praying about this
praying for an ethical way to get a fresh start,
to get a redo, it's just starts with having a real moment.
I had to say to myself,
Lord, did I borrow irresponsibly?
Did I borrow for things I didn't need to?
And a little bit that was true, right?
Like once I got in the habit of pulling out my card
and I'd never really done that before,
it did get a little bit easy.
It did get a little bit easier to buy the upscaled materials
instead of maybe the one
that would have been the wisest choice.
If I'm honest, that's a little bit true.
That most of my spending was necessary spending
for recovery, but a little of it wasn't.
And I had to have some confession
and some time with the Lord about that.
But the thing is, is that there's a secret
to reducing credit card debt that nobody in the kingdom
and the Christian community are really talking about.
And what it is, is debt renegotiation.
And I don't know why people keep it on the down low
or keep it like a secret,
because just making those minimum payments
and trying to debt snowball,
it's the most costly thing that most of you could do.
Because if you, you know, a lot of times we don't look
at that little part on the back of the credit card statement
that says, if you continue to make this minimum payment,
you'll be paying for 33 years and the overall interest.
That thing can cost, the thing that you purchased,
a course or a building, you know,
whatever it was to build your business,
in some instances, you could end up paying 10 times more
for that item.
So the way to get, we're gonna talk a little bit
about the way to get out of it, right?
Because it isn't like you're trying to get out.
Is there anybody here who says,
hey, I just wanna charge like crazy and not pay for it.
Like, that's my interest.
I just wanna scam this.
No, what people are looking for is a legal
and ethical solution, a way to say,
hey, my circumstances have changed.
Let's renegotiate the deal, right?
We do this in every other area of our life,
except financially.
Imagine if when you got married or when you,
like if you could never renegotiate the deal,
the people you were then or the way you did things,
if you were stuck in that forever.
No, things change and people are allowed
to change the terms of the deal.
So you're gonna be able to see when you walk
through this report later,
I have the pleasure of knowing this lady, Susan, personally.
And can I just tell you, like,
she has been able to go from,
she's somebody who's caring for a spouse
who has like the earlier stages of dementia
and he was always the breadwinner
and he ran the company.
And now she's running their company,
but so far has been able to save over $85,000
off the total amount of debt that their company owed.
And you're gonna see, like, that doesn't even include,
she's no longer accumulating future interest.
And that's, oops, I don't know what happened there, sorry.
Well, that is weird.
Hold on, I'm gonna stop my share for just one second
and see what happened there.
Is this resonating for you guys?
Like, is this helping you?
Yes, this is so good.
Well, let's see if we can get our,
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.
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
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,
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.
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.
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.
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.
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.
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.
That was her situation right.
So, I just do not know why I am getting this weird thing.
Sorry guys, I don't usually present from this platform so it's just behaving a little differently for me.
Okay, if you guys feel like.
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.
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.
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.
But when I would finally lay down at night.
An elephant came and sat on my chest.
Right. If you're somebody who feels like I think this shows up for women, all the time, you start researching.
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
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
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.
But here's the thing.
If I chipped away at that debt.
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.
I'm going to be paying in this until I'm 95 years old.
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.
So when people are sick. Are they.
truly physically sick or is it a manifestation of every of the weight that they're carrying?
When I learned this strategy and was able to implement and get out of this crippling
dead, it reminds me of if you've ever read Pilgrim's Progress, and if you haven't, you
should.
But when it talks about Christian dropping his burden, you know, it was like the breath
of all breaths.
It was the hope of a future and a plan.
And I think that it's so true, like when we look biblically, when it says, for lack of
a vision, the people perish, a lot of you are just in the grind.
And you don't have the vision because you're in the grind.
You're doing you're moving money, you're like doing all these things to try to keep the
hustle going.
When what you really need is to reconnect with your vision, have a plan for the debt
and enable your business to take on a whole new lease because you have a plan, right?
Much smarter way to get through things.
Go read, if you have any questions about money, spend so much time in Proverbs, like just
look at chapter six, and right at the bottom, free yourself like a gazelle from the hand
of the hunter, like a bird from the snare of the fowler.
Bottom line, the Bible commands us to get out of that, right?
Like, it doesn't mean you can't use it.
It just means you have a weird computer that doesn't obey you.
But here's the crazy thing.
After 12, this, this slide shows, if you pay your minimum payment every single month for
12 months on a $20,000 balance, you have not even dropped $900 after paying a nearly
$400 payment every single month.
I hope that gives you some clarity, some answer.
If you're feeling like, why can't I get out of this?
Look at the math.
It's very easy to see why you can't get out of it.
Because at that rate, you'll pay on that debt, that person would pay $46,000 in interest
alone, add to the original balance on a $20,000 card by the time it's all paid $66,000.
So there's a much better way.
We want you to work with an expert that specializes in getting credit card debt, personal loan
companies to lower the balances.
It's not you're absolutely going to pay off everything that you owe.
You're just going to have them say, how else could we do this?
How else?
How else can we make this work?
My circumstances have changed.
This is Mary, she gave her testimonial about having a card that was $20,000 lowered to
$5,000.
But this is really what's going to happen when people walk through our debt renegotiation
process.
Number one, you lower the monthly amount that you're paying toward debt.
Some of you need that freedom.
You need to have that lowered.
The second thing we do is we eliminate that daily compounding interest.
It doesn't keep going up right now.
If you don't pay every day, that debt is getting bigger.
If you know the rule of 72, take your interest rate, divide it into 72.
And most people use this for investments.
You know, they say, oh, if I can get 12% on my investment, 72 divided by 12, in six years,
my investment will double.
It works the other way around.
If your interest rate is 36%, in two years, what you owe doubles.
Whoa, dial that back, listen to that again.
In two years, what you owe will double.
And that is usury, right?
So we want to eliminate that compounding interest, reduce the actual amount of money that you
owe by 40 to 50%, sometimes even more.
One of my own personal ones, the amount owed, because I'd been paying so long, was low,
was lowered by 80%, was lowered by 80%.
And it puts you on track to be completely debt-free in two to four years, sometimes
sooner if you want to.
One of the other things that we do in our community is it's not that we want you to
just save money so that you can go out and spend more money.
Yes, I want that available to you to invest, invest in your business growth.
Maybe you have business growth already and you're looking for other ways to invest and
to start creating additional streams of income, especially income that happens while you sleep.
And so in our community, the other thing that we do,
and this will be applicable to those of you
that don't even have the debt right now,
we offer some really great access
to some private venture capital situations,
to some real estate deals,
to some just we've vetted some really great people,
really fantastic Christian and kingdom people
who are helping our community
go from paying double-digit interest
to instead earning double-digit interest.
We have an awesome calculator
that I'm gonna give you all access to
that you can play with,
that shows you how,
if you could take what you're paying
in minimum credit card payments
and move that over toward your investments
within the next three to five years.
I just did one with somebody
currently paying $100,000 in credit card debt,
and like maybe, I don't know,
$3,000 or $4,000 a month on that.
With the savings in monthly payment
and eventually moving that over toward the investments
that we have available in our community,
in less than 10 years,
they will have probably at least $3 million
to the positive.
Right now, they're $100,000 to the negative.
And I think that's the thing.
People just accept this debt as a way of life.
They saw it in their parents.
When I say to you,
do you guys want a legacy for your family?
Do you want generational wealth?
Do you wanna see your children grow up differently,
have something different for their family?
Sometimes I can't even believe it has happened to me.
I have one son.
My second son worked really hard.
He really followed the rules of how to leverage things.
And by 30 years old, he was able to,
he and his wife spend most of their time
in full-time ministry.
They work a little on the side for fun,
and they're able to live off their investment income.
And they're 30 years old.
So like what most of us are building to do
by the time we reach retirement
with these principles that we teach in our community,
it's actually possible,
not only for you,
but for your children to get this education early
and never have to go through this whole debt rollercoaster.
All right?
Does that make sense to everybody?
So I know you're probably wondering like,
but how, but how, but how?
The thing is, is that credit,
creditors, collection agencies,
doesn't even matter if you've had things you couldn't pay.
And we have zero judgment around that in our community.
They're willing to negotiate
because they know that if you're struggling now,
the likelihood that you're gonna be able to continue to pay
or pay more in the future is statistically pretty low.
And so they have already made their money on you.
They're much happier to just like come to an agreement
and call it good and get it off the books per se.
Like they want to have you be solid
and they want you, you know,
rather than to have it go on and on and on.
So people just don't know that that's an option.
The other thing is that we walk through you
with you a little bit,
like why is this so much better than bankruptcy?
Why is this so much better than consolidation?
And I can answer those questions for you,
but right now I don't want to go into like tons of details.
But as we sat down and spent days, weeks,
hours and hours together through what are all the avenues
that our clients could use to get out of debt?
What are the pros and cons of all those things?
What circumstances lend themselves
to one thing versus the other?
This is the clear winner, right?
This is the clear winner for almost everybody
in our community all the time,
because most people have gone through
some kind of a financial hardship
that qualifies them to renegotiate payments
in a much more timely way
and get that fresh start that they're really needing,
if that makes sense.
So the thing that I'm going to offer for all of you today
is the chance to read Jeremy's more,
like go through all of this information again
to really kind of,
maybe you'll want to do it with your husband.
Maybe you'll want to just take some time
to really look at the numbers, to do some research.
I'm going to include his amazing report all about debt
so that you can really educate yourselves around that.
And then my assistant Rachel
is also going to put a link up for you
so that you can all make an appointment.
in with one of our debt specialists, you're going to like every single person that works for us
is absolutely amazing. Most of them have been through the process themselves. They are the most
non-judgy, helpful, the least salesy people I know. Like they just came into this because they
felt called by God for people to see some relief from debt. And they have experienced it themselves.
So they'll just talk to you about where you're at. And here's the other thing that sets us apart.
There are other secular companies or other companies that do similar things to what we
do at Kingdom Debt Solutions. But there's one huge difference that we want for you.
I want you to get freedom. I want you to kick the debt merry-go-round to the curb.
And how do you do that? We teach people through the remainder of our Kingdom Wealth Movement
community in a program we call Kingdom Cashflow Academy. And whenever somebody comes into our
debt solutions program, we bring them into the mindset education, the financial education,
the budgeting education. There are other companies that help with debt negotiation,
and they don't care if you get back in debt again, they're fine with it. They would just keep,
we only want you as a client that way one time. We want to help you kick debt permanently,
and then give you the blueprint for wealth mastery, for creating generational wealth for your
family. And one of the things that I also think sets us apart is right now we have an amazing
summer offer. It's our summer sizzle. How many times have you bought something online? And once
you get into the course, or you get into the community, you're like, yeah, these are not my
peeps, right? Like how many places did you go before you found Rainmakers to realize this was
your home? These are your people. This is where you're meant to be, right? And we want you to
experience our community, our education, all of those things, and try before you buy, right? And
here's why. Why can we do it? Why do we do it? Because we take the stewardship of the people
that God sends our way very seriously. We want to know that you are a fit for our community, that
this is a good thing for you to do. Before you commit to a subscription, I want you to know the
value is there for you. Imagine if everything was like that, right? Like what if you could truly,
and a 15-day trial isn't going to do it. It's going to take a little while for you to work
through your budget, for you, for us to show you the software, for us to show you the course,
to let you come into our budgeting sessions, but we're going to give you, all of you, our,
I'm going to give all of you, this is the longest free trial we've ever done, and it's because I
know summers are busy for moms, and so I don't want anybody to feel pressured to take time from
their kids to get through this budgeting process. I want you to feel like you can commit to it
and have a true breakthrough, not some short little thing, but something that really is
going to make a difference in your lives over the long haul. So I know we are almost out of time,
but if there are some questions, if there are things, I don't know what your policy, Danielle,
as I see people are asking, I assume you make your recordings available in your community.
Yeah, yeah, I got that. There was a question about balance transfers.
Amy asked about what you think, what you thought about balance transfers,
I think, within the credit cards. Yeah, so let's talk a little bit about that. Most of the time,
they, it's a teaser, right? They'll say, hey, zero percent balance transfer, where they charge
you the interest is in the balance transfer fee. You know, like it'll say, oh, it's a three and a
half percent one time. That's actually a huge fee, right? They're basically just collecting the
interest up front and counting on the fact that if you had to balance transfer this, you probably
won't get through getting the, getting it paid off in time. I'm not saying there's never a time
to use a balance transfer, but I will also tell you this, that's a little bit the shell game I
played. When I had great credit, I could move and get another balance transfer and get another card.
But if you do that very long, it won't keep, it won't continue to be available. I think most of
you've experienced that. It's okay for a time or two and pretty soon there's nowhere to transfer to.
thing is, yes, it's great to pay your payments on time.
And there are a lot of things that improve your credit score.
But the thing that tanks it the most is your utilization.
Utilization is the amount of available credit
that you're using.
So the larger your balances become,
the more your score will plummet.
The more your score plummets, even if you never
pay a payment late, they can start raising your rates.
And I think that for people, they're just
unaware that that can happen.
And so you feel bait and switched.
And yet, these are the same people who are not
comfortable with renegotiating.
But that doesn't make sense.
They don't even have to renegotiate with you.
They just give you new terms and say, tough luck.
These are your new terms.
And this is about, as a community,
saying, hey, I don't really like these terms.
This isn't going to work for me.
And here's something that will.
And the best part is, unlike bankruptcy,
where you're asking the public at large
to take on a tax burden to pay for unpaid debt,
with debt renegotiation, you're renegotiating
with the person who borrowed to you.
And they don't have to accept any terms
that they're not comfortable with.
So if you bought a car from somebody
and it ended up having some problems and something changed,
and you went back to the seller and said,
hey, listen, this deal we agreed to
isn't really going to work.
I'll keep the car, but I want it for $2,000 less
because this happened, that happened,
you can renegotiate the deal.
And in business, as in life, you get what you negotiate.
And so I'm taking the skill that you have in business.
If you have any questions about negotiation,
hopefully some of you have a three-year-old.
They are master renegotiators, right?
Like, but this, but this.
And so all we're doing is taking a legally viable option
and giving you the freedom that you
deserve to have a fresh start to really build the wealth
and have that expansion in your business
that I know so many of you are looking for.
There is a question.
Do you recommend doing the 70-day trial now
in addition to the debt specialist call?
Or should I wait until the debt process is complete?
So the link will still be good.
I don't want you to wait until the debt process is complete.
But for most of you, if you walk through the debt specialist
call, they're going to give you access to our other program.
When you say yes to the debt renegotiation,
they'll already include that.
But if you're a go-getter, and I hope most of you are,
I'm giving you the second one because you
can get started today.
It won't hurt.
You'll just be ahead of the game if you do both of those things.
You'll just be that much farther into the process.
All right.
I hope, I mean, I know not everybody's on camera,
but please let me know if this gave you some value today.
That really lights me up to know that the people who
are nearest and dearest to me, which is all of you, right?
I want nothing more than for all of you
to experience what I've had the opportunity to get to
in business and to learn from, there
is wisdom in a multitude of counselors.
And when you, I want to share with you the mistakes I made
and be transparent about them so you can avoid them.
And Julie, I see your question there.
And if you're somebody who needs a card
to remain open for business, just
tell your debt specialist about that
and they'll work with your specific situation.
They're used to business owners.
They totally know what you need.
So Danielle, would you mind if, would it
be OK if I just say a prayer over the people that
were here today?
I would be so honored to do that if that's all right.
Oh, go ahead.
Awesome, awesome.
Lord, I am just so humbled for this opportunity.
I, you know that my heart is to find a way
to be like that Titus II older woman.
It's not something I have in my daily community.
And I just feel my heart is so, so torn up
for women who want to grow a business, who
want to be fantastic moms, who want to lead their children
and have them grow up.
To be.
You spiritual giants, Lord.
And I just ask that you would pray that you would give every family
represented here, hope, a vision for their future, and just give them
exceedingly abundantly so much more than they ever could think or imagine,
knowing that you are behind them and helping them get wisdom every step of
the way in, in Jesus name, I pray.
Amen.
Awesome.
Thank you so much.
Can we just thank her?
I've already, our community is so awesome.
So there's already like, thank yous in the chat already, but this was definitely
saving the chat.
Like I want to read every single thing.
It's hard to read while you're presenting and I love it so much.
Yeah.
A lot are saying, I'm going to book a call.
This is really inspiring.
Thank you so much.
Lots of amens.
Truly you guys, even if I, I would just so love to get to know all of you and
serve you.
And I work a lot on the budget side with people that are doing the free trial.
And so just to connect further, get a chance to know you feel free to take.
You know, take advantage of the free trial.
We just want to get to know you and know how to support you better.
I would love that.
Yeah.
I awesome.
So, so good.
Okay.
Julie's already booking a call.
Love it.
Oh, and she got Andrea.
Oh, she'll love her.
That's awesome.
That's so cool.
All right.
Yeah.
Thank you so much, Danielle, just for the opportunity to be invited.
I just feel like your community has such an awesome reputation.
You guys are known for really.
Um, giving so much opportunity to homeschool moms, to just people, to young
entrepreneurial women who still really also want to serve their family.
So I feel honored to, to be here to support what Steven and Chelsea are doing.
Yeah.
Just so awesome.
Thank you guys so much for having me.
Oh, for sure.
That we, we take serious who we, who we bring in.
Right.
So Rachel, if you could just drop the links one more time, there was a couple
asking, so I just want to make sure you all grab the links, um, to book that
call and to get the 70 day free trial.
So we're going to drop that one more time.
And then as always, our replays are going to be in the app and in search rainmakers.
There also will be the links attached to that as well.
Um, but yeah, free trial link, 70 days that can be started ASAP and
then debt renegotiation, free call.
Okay.
Leslie, I see you, girl.
We got one more question.
Um, what about support on just wealth building?
Is that part of the trial or the.
So kingdom cashflow Academy.
Absolutely.
There is so much there.
You guys will get a ton of value around.
We have, uh, a career coach in there too, and you can utilize her
mindset and career coaching.
It will really help you understand like, what are the strengths in your business
and where maybe should you look to leveraging a VA or like, what do you do
best?
What are you working too hard at?
That isn't a good fit for you.
Just general budgeting things.
Um, just so much, this is, it is a really abundant course and I would
love for you to plug into that.
And, and when you join, you'll get to go on like an initial call where they
kind of tour you around the community and give, show you what kinds of calls
are available to you between budgeting.
Um, there's Jeremy does a monthly ask me anything call lots of stuff about
investing in there, lots of business building with me too, and the budget,
like I do the budget room.
So if you want to ask business things at the end, I am an open book.
I, I hold nothing back on delivering the content or delivering what
my experience is in business.
So if you want a little more of that, we, we are so thrilled to have you.
So good.
Oh, appreciate you so much, Shelley.
And everyone, thanks for coming on this Friday.
Um, let's just have an awesome day.
Let's have an awesome weekend.
Let's remember our visions.
Let's remember what God has placed in each of your hearts and your vision.
And, um, yeah, take full advantage of this.
So thank you so much.
Thank you.
Everybody else.
Oh, okay.
Also there's a referral program, so.
Oh yeah, I should have done.
I forgot who I was talking to.
Um, we are all about that.
Actually, definitely.
There's a referral program, um, up to 33% referrals.
So if you're somebody who wants another stream and all you want to do is share,
here's a great place to get debt relief or learn some stuff about money.
Yeah.
Easiest.
referral ever, I think, and I've made my fortune in referrals.
So, so yeah, come check us out.
Love it.
All right.
Well, thank you.
And thank you everyone.
We'll see you soon.
Bye.
Bye everyone.