 Okay, as we start, just want to remind us about a few verses or few places where Paul exorts, meaning encourages, the church, encourages the believers in this way. So he says, if you notice, some of Paul's writings, 1 Corinthians 12 and in 1st Corinthians, you'll see that many places, he says, now, brethren, concerning this, I don't want you to be ignorant. Okay, we see that in 1st Thessalonians chapter 5 also, he says, you know, I don't want you to be ignorant concerning those who have fallen asleep. I don't want you to be ignorant about spiritual gifts and so on, right? So over and over again comes that, those words, I do not want you to be ignorant. Okay, what does it mean to be ignorant? What does it mean when you say ignorant? What is ignorant opposite of ignorance? Opposite is, what does ignorance mean? Knowledge, yeah, knowledge, wisdom, right? So when you say I'm ignorant, which means, see, I don't know. I don't know that information. I don't have that information, right? So Paul is saying over and over again, I don't want you to be ignorant about something, which means, you know, right now, I don't want you to remain in that place of not knowing about this subject, of not knowing about this topic. Okay, so the understanding is that God does not want us to be ignorant. He wants us to grow in knowledge. He wants us to grow in understanding. You know, sometimes we think, you know, I know Jesus and that's all I need to know. It is enough. I want to keep it simple. You know the Lord, I know their salvation. I want to keep it simple. But when we read through scripture, we see that, you know, the exhortation. And God does not want us to be ignorant, but to be knowledgeable in everything. Everything that the scripture talks about, where there is a time in place and the season where God gives revelation. But the fact is that we need to have that mindset. You know, I do not want to be ignorant. I do not want to know, not know or be in that state of not being curious or not being knowledgeable. Okay, so I just want to encourage us that, you know, this end of this term, you know, whether we continue certain subjects or not, let us continue to grow in the knowledge and wisdom and understanding of the Lord, of His Word and of the ways of the Holy Spirit. Right? Okay, let's pray. Father, we thank you for this exhortation that you do not want us to be ignorant Lord. Father God, we thank you that you want us to grow in our knowledge, in our understanding of your Word, of your will, of your ways and about the Holy Spirit. So many things, Lord. You want us to grow in, Father God. At the same time, being people of childlike faith, trusting in you, depending on you for everything. But Lord, you want us to grow, God. And Lord, we pray that throughout life's journey that we will have that perspective, that we will not be ignorant in anything, that we will, Lord, search your Word even as you lead us by your Spirit and take us from a place of ignorance to a place of knowing God. We thank you, Lord. We pray, Spirit of God, even as we open our hearts to you this morning, we pray that you would speak to our hearts. We pray that Lord, even as only you can give us revelation and understanding, Lord, we open our hearts to that ministry of the Holy Spirit. We thank you. We give you all the praise, all the glory. In Jesus' name, we pray. Amen. Amen. Okay, so let me just share the notes. We've come to the last few topics in our notes. Okay, so I hope that's come up. So we're looking at, today we're looking at the last few topics and it's about some practical guidelines about financial stewardship, right? Some of those practical things. The last topic that we looked at was investment, right? Investment meaning, if God has blessed us with financial blessings, then we use that as part of using it well is also to invest in it. Okay, use the money to invest so that there is a return. You get something more than what you have put in. And when we looked at, we considered several options, right? Like putting it in a bank and also investing in different, you know, different tools and which are available for as fixed deposit, recurring deposit and so on, right? So whatever works and if you get information on that, you can go ahead and do it, right? Okay, so today let's look at work and retirement. Okay, so now when we consider work and retirement, many of us have this understanding that work happened because of the fall, fall of man, right? We think, okay, man is, you know, confined or, you know, he's made to work, he's made to till the ground and by the sweat of his brow he needs to eat and all that and that all that came after the fall. Yes, it is mentioned after the fall that, you know, this is the condition, right? But if you look at scriptures before that Genesis 2 verse 15 and so on, we see that work is something that is instituted by God, right? When he looked at Adam and Eve and he created them, placed them in the garden to tend and to keep it, okay? To guard, to work, keep. So work is something which is God breathed even, you can say, God created work, okay? So it's for the good of man, like to be occupied with work. So when we say work, we're looking at various things, right? Ministry is also part of that, okay? So sometimes we think, you know, he's working but he's in ministry, right? But if you look at it, we do the work of ministry, right? We do the work of an evangelist, right? And so on. So when you look at work and all of us are commanded to work, right? Work with our hands and so that we can get something in return so that we can take care of our needs and also we can take care of others' needs, right? So when we say work, we're talking about everything. We're talking about ministry also, the work of ministry as well, okay? So when we look at work, yes, as part of it, God also has given us times of risks, seasons of rest, so that we can recharge, be refreshed and work, okay? So many times what happens is that rest or leisure is seen to be the objective. Now that is not the objective, right? You know, I want to just rest. I just want to just take it easy. I just want to do anything. I just want to just be on one long holiday, right? Sometimes we have that, right? Because maybe work is tough, maybe because we're looking at all this Instagram posts and people are saying, you know, I'm just traveling from one place to another to another to another and enjoying life. Sometimes we think, oh, I wish I could also be like that. I just want, I don't want to work at all. Why should I? I just want to reach a place where I just live beyond one full holiday all the time, right? But if you look at it, God created work, God created us to work and God also created rest or instituted rest so that we will have times of work and times of resting. So leisure or rest should not be our objective all the time, okay? Should not be saying, I'm, how can I rest? Or how can I take it easy? Or how can I, you know, not work? That should not be our objective because the whole of our lifetime, we are called. We are called to work. And with that also have times of resting which will, which will refresh us, recharge our body and mind so that we can work, right? So, you know, we got calls us and along with that call comes the work, the details of the work. Where should I be? What should I do? What should I, you know, be engaged in, involved in all that, you know, comes attached to the call, right? The kind of call that God has. So we don't need to compare ourselves, but we need to, you know, connect with God and receive that call from Him, right? So God leads us, leads us in seasons to bring us to the fullness of what He wants us to step into in terms of work and, in terms of, you know, work and leisure and so on, right? So, when it comes to work, yes, they will come at time or we will reach a place in life with regard to age and, you know, capability. They will say, okay, I want to retire. Okay, what does retire mean? Retire means that you, you don't do or you're not intensely involved in work, but you pull back a little because, you know, maybe you've reached an age physically, you're not able or, you know, maybe many years from now, okay? So we need to consider that also, think about that, okay? Right? So what will help us is some financial planning right now, okay? It might not be much, we may not be making much money, we may not be receiving much money, but we can think about it, okay? What can I do, right? When I reach the place of retirement, what should I do or how should I start investing now so that there can be some, some flow of money so that I can take care of retirement years, okay? Not to fear, but to think and plan. It's always good to do that, right? And God will give us ideas, God will leave you, okay? Okay, next one, you know, this whole thing of net worth, okay? So, you know, when we look at, you know, something, let's say, okay, when you look at your phone, okay? So how much is it worth? Sorry? 12,000. 12,000 is when you bought it, okay? But now how much is it worth? 3, 4, okay, so 3 or 4,000, why? Sorry, you used it and so if you need to sell it, it will probably be worth 3,000 or 4,000, right? Okay, if it's in good condition and if it's not broken, etc., okay? So the value of every, in every product that you have, you know, whether it's a water bottle, whether it's a, you know, your watch has a worth, okay? So how much are you worth? Right? If we are asked, okay, how much am I worth? So in financial terms, you know, if you look at it, see, definitely, we are worth much in God's eyes. Maybe not in our own estimation, you know, we may not be, you know, I'm not worth much, we might think like that, but we are supposed to look at ourselves through God's eyes and God assigns value and worth because he says, he so loved the world that he came, that he gave to redeem. So we know that we are of high value to him, okay? So and that value does not go down, okay? Now you said, okay, when I bought it to us 12,000, now it's 3 or 4, but your value does not go down with God. In his eyes, the value is the same. He loves us the same, which is something amazing that in God's eyes, it is, if it's 12,000, it remains 12,000, does not go down just because, you know, you are older or just because whatever reason, right? So our worth remains the same with God. He values us, he values us, he loves us, he cares for us, okay? But in strictly financial terms, if we were to, in terms of, when I say financial terms, in terms of money and in terms of things that you own possess, you know, we can calculate how much we are worth. It depends on what is our investment, what is our bank balance, what are the things that I have possess, you know, is it good to do that or is it, and why do we do that? The motive is the thing, you know, why do we want to do that? Well, it's good to do that because you can assess and see what are the things that we have, what are the blessings that we are enjoying, okay? It is good to do that in terms of maybe a crisis or maybe if someone is very deep in debt, it's good to do that, you know, especially when it comes to debt and repayment of debt and if somebody doesn't have any money, it's good to assess and see, okay, what are the assets that we have? Assets meaning, is it their land, is there some jewelry, is there some, so some money that I put away, you know, something that I, it's there, hidden away that I forgot about it, or maybe we, you know, put money in some fixed deposit, we forgot about that, it matured, we didn't draw it out, something like that, right? So to consider that and see, okay, what is the value, what is the net worth so that it can be useful for repayment, okay? So it's good to assess purely in terms of seeing, okay, how much God has blessed us, we are thankful for that, how can we be a blessing to others, right? And in terms of crisis, it's good to know, okay, this is so much I have, therefore I can do this, you know, I can maybe sell it off, I can repay and things like that, okay? So but net worth is something you need to understand, it goes beyond money, right? Not just money, but it's the value which God assigns for us, okay? So you will see in the market, you know, in the market in the sense of when you read about it in the papers and, you know, you see this is a high net worth individual, you know, this person is valued as so many crows, which means that he has so much wealth, like, if he sells off anything, everything, this is what he will get. So you will read that, you will see that in the papers and so on, but you know, the thing is that our value is assigned by God, we need to understand that, our value of every human being cannot be just measured in Rupees and paisay, but it is actually something that is assigned by God, but it's good for us to do that exercise to know ourselves, to, like I said, to see what kind of blessings have we enjoying and how much God has blessed us, to be grateful to God, okay? Yeah, I'm not going through all the scriptures mentioned here, but yeah, let's just read just one second, okay? I just want to turn to Psalm 20 verse 7, he says, some trust in chariots and some in horses, okay? Some trust in chariots, some in horses, okay? So what does that talk about? It means we are thinking about the two-wheelers and four-wheelers and whatnot, okay? That's what they are talking about, okay? I would drive a Benz or drive a, you know, BMW, some trust in horses and some chariots, but we will remember the name of the Lord, that's what the Psalmist says, okay? So we will remember the name of the Lord, it's not that we don't have chariots or horses, okay? It's respective of whether we have chariots and horses, we will remember the name of the Lord, okay? Irrespective of whatever worth, you know, in terms of finances we have, but we will remember the name of the Lord, you know, that's the thing, which means that we, esteemed God, we know whom we have trusted and these are, you know, to trust in wealth or riches is, you know, it's not foundational or it's not solid ground, but we will trust in the name of the Lord, okay? That's what the Psalmist says, right? Okay, let's remember that. Okay, taxes, we saw, you know, tax is something, whom do we pay the tax to? It goes to the government, okay? It comes in different ways and you buy some product, you know, there is a goods and services tax, GST, which is added to it, so we, you know, everything, there is a, the government gets revenue through taxes. If you're working in an organization, then there is a, you know, there's some tax which is deducted, there's tax deducted at source, you know, professional tax and so on, right? So it's, tax goes to the government, okay? Now we might, we might argue and say, okay, this government is corrupt government, right? I mean, say, you know, this, they've not done anything, right? Look at the road, look at the electricity, you know, like, things are so much better now, but, you know, we, sometimes we can ask those questions, so they've not done anything, why should I pay taxes, right? You go back to times when the Lord was ministering on the earth and you think about that government, okay? So much more corrupt, so much more not accountable to anyone, right? What they think is what they did, right? So at such a time, the Lord said when it came to taxes to pay what is due, okay? So we understand that, okay, if there is a tax and if it's something that is due to the government, and then we will pay it, okay? So, so when you, when you look at, okay, let's say you're getting a salary or you're getting whatever tax that needs to be paid, even in ministry, you know, when we look at ministry, let's say you start a church, you know, there are some, there are some guidelines, right? And you will learn more about that in the last year, church administration, right? So we see for ministry, we are supposed to be accountable to God, to people, which means the law of the land, right? In so that people will not point fingers, people will not accuse. So when it comes to taxes, you know, we are supposed to pay taxes, okay? So never forget that, right? But the government itself gives us some benefits, right? So we can find that out, okay? If we invest in some things, then we don't have to pay so much of a tax, or we don't have to pay a high tax, the tax can be reduced, okay? And if you're giving to a charitable institution, for example, an NGO, which is doing some good work among poor people, right? So when you're contributing to that, then there is certain, in certain cases, there is what is called, you know, Section 80G, it's called. So when you make a contribution, then your tax, the tax that you're due to pay is marginally reduced, okay? So things like that. So in the West, you know, in the US, I've heard that when people give contribute to church or any ministry, then that is, you know, they have the tax benefits, right? But it's not so in our country, right? In India, those of you who are watching through e-learning, you know, maybe in your country, the policies could be different, you know, there could be some benefits when you contribute to a ministry or church or whatever, or, you know, some NGO or non-governmental organizations, but this is how it is, you know? So we can make use of that, okay? We are not avoiding tax when we do those things. So it is legal, like it is instituted by the government. It's recognized by the government that when you support some good work that is being done through these organizations, then there is a reduction in the tax that you need to pay. So we can always do that, you know, and the government gives some subsidies, like, okay, if you're working in an organization and some amount of money goes to your children's fees education, right? Then again, there is some kind of a reduction, marginal reductions, you know, these are all small things, but then all this adds up to substantial reduction in tax. So the question is, you know, is it okay to do that or not? Yes, it's okay to do that, right? Because it's recognized by the government and it is legal, okay? But what is not okay is avoiding, totally avoiding payment of tax, right? So as long as these kind of policies are there, it's okay, we can make use of that in order to reduce our tax, okay? Because it's money that we've earned and out of which we are paying taxes. So if there is something, we need to be again aware of this, right? Sometimes we are not aware, hey, I can do this, I can probably invest in a, you know, let's say there's something called NSC, right, national savings scheme, right? The post office and so on. So you use that and then there is some kind of a reduction in the tax. Suppose you're investing in NSC and it's within that financial year, okay? So it's not like, okay, I invested some three years ago, but I can make use of that information to reduce my tax. No, it's within that financial year. Financial year is April of a particular year, till the March of next year. In India, it works like that, right? Some countries have a calendar year, January to December, okay, as the financial year, which means all the accounting, all the tax payment and everything needs to be within that. Whereas for us here in India, it's April. Now, we are coming to April, we are in April, right? So financial year has started 2024 till March of 2025, that's the financial year, okay? Okay, life insurance, what do you know about life insurance? Is it okay or not? Why is it okay? If it's not okay, why is it not okay? Yeah, I can use the mic, sorry. When you are taking the life insurance, you need to pay the GMS and all, but later if anything happens, it is a security, at the time when you need it, the money will come. It's like, according to the scheme, what the return you will get, on the basis you will like, it's like if it is a health insurance or it is a life insurance. So according to the terms and all, what kind of, how much return you will get by investing in that. So it's like, it's beneficial actually, it's history you can take it. So is it lack of faith in God? Oh, it's not like that, it's just planning, you're planning for your future, that is the thing. Okay, right. So yeah, so like, yeah, go ahead. It's okay to be wise and take a life insurance, but it is not okay to be completely reliant on that and overly ensure yourself. Yeah, like we saw in Psalm 20 verse 7, this again, it extends to all these things. We are not putting our faith and trust and life in this one thing, but our trust is in God, our hope is in him. But this is something that you can plan when you take, when you say life insurance, it is some amount of money, you take a policy and some amount of money which is paid, sometimes it's monthly, sometimes it's once in six months, or sometimes it's annual. And that amount that you pay is called a premium, insurance premium. So you pay that. Then what happens, you know, this for an extended period of time. So every year you keep paying and it has a maturity date, maybe 15 years, maybe 20 years, it depends. So there's a maturity date. So at the end of the maturity date, there is a payment which comes. Okay, let's say something happens. Okay, this means the Lord invites you to go up or maybe some kind of your martyred for working for the kingdom. What happens is the people whom you nominated in the policy saying these are the beneficiaries, if something happens to me, then my wife, my children, or my brother, my sister, whatever it is, these are the beneficiaries of it. So all they need to do is take that policy. So which means that we need to inform our family or inform the beneficiaries, hey, there is such a policy in the event of anything happening, you can actually access it. You can go to the company from which the policy was taken, show the policy, show the proof of death, which means death certificate. And the benefit of that policy comes to your family, which is a good thing. Now, if you look at Elisha and what happened then, we see that the widow, we don't know why they came to that place of debt. We don't know. Maybe this is one of the prophets who passed away. So we don't know how they ended up in debt, but it was a difficult situation. Now, the prophet is not there. Now, the widow is there and the children are there and they have to repay the debt and it's a difficult situation because she's saying that the creditors are coming. They will come to take away, so we don't have anything. And then God intervenes and they are able to pay back. So this insurance is something that would help. In the event of something happening, then the beneficiaries, which is our family members, they are taken care of. Well, there are some people who say, for me, I don't want to take life insurance policy. Like there are some people who say that and I know some people who say, no, no insurance policy, doesn't matter. Whatever happens, let it happen. We respect their choice, but this is something that is available for us. It doesn't mean that I don't have faith in God or it doesn't mean that I don't trust him to keep my life, to save my life. No, but it's also possible. There are too many factors. It's also possible that, yes, something could happen and in the event of that, it's not in the knowledge of God, without God knowing, no, God knows it. But something happens and the family is taken care of. So insurance, we have life insurance, we have, like Sagar said, there is health insurance, etc., which can actually benefit us. So when we come to a place or when we reach a place of maybe some kind of a income, steady income, then we can consider this. We can consider this and I believe there are some policies where you pay 1 rupee, something, it made it very easy. Even if you book a train ticket on your app, you get health insurance for that journey and it's some 1 rupee or 2 rupees for that particular journey and you mention who are your beneficiaries and so on. So yeah, it is useful in that sense. So think about it, that is something for us to plan, ensuring a life, health and so on. Two more things, which is transfer of wealth, in a sense. The Bible talks about that we leaving an inheritance for others, others meaning your children probably, family, leaving an inheritance. Now it doesn't say you need to leave so much. It has to be lax and lax or grows and grows, but whatever it is, it says a good man leaves an inheritance for children and children's children, like two generations. So it doesn't specify the money. So this is something that we can also think about. After I go, after I pass away, something of a physical nature, financial nature, something that is an asset maybe, which can be left, which can be given to our family. So that it can be like something that will bless them, something that takes care of their needs. So that is what we mean by something that is planned and a transfer of wealth. And this also, the planning for that is during our lifetime. We plan and say, okay, so what are we doing? We are actually thinking ahead and saying, okay, I'm putting away this so that after I'm gone, it can be a blessing to my spouse or my children or whoever else. And it really helps us. So it's again comes under the purview of being a good steward. Okay, God has blessed me with this, so I want to steward this well. Some people have been so generous. So some people write a will or leave their entire wealth to maybe an educational institution, maybe an orphanage, maybe a ministry, something that they have been blessed with or something that they see there is a need. And so they pass it on. It's a small observation. In the recent past, there are quite a few of them who are in a different level of riches and extreme wealth. You can call them from philanthropists or royal family and they choose to forego everything and then everything that's absolutely everything and then they just walk away to something. What's your take on that? So they choose to give it away to society, give it away to someone. They choose to, there could be many reasons, maybe the sick and tired of it, maybe they want to bless others. But in any case, it's a normal gesture, right? Yeah, but sorry, sorry. This is the intent is also to attain salvation by Oh, I see. Okay, okay. So maybe they are pursuing austere life, life devoid of all that. So the motive could be a wrong motive. So the motive also matters, like they are sincere in their attempt to do this, they are sincere. They just want to give away and sometimes they do it because they think that for them it will be something that will benefit them like attaining moksha or whatever and leaving behind such a life. And we know of some people who did that, right? Mahavit Jain, Gautama Buddha, all those people who did that. And it was in pursuit of something, the pursuit of spiritual enlightenment. And they felt that this was injuring. And so they said, well, the motive is, we need to appreciate the sincerity and also see that they have a hunger, which goes beyond wealth, a spiritual hunger. I mean, we can appreciate that, but an if possible guide. So that's the thing. But obviously, this is going to help someone. But whether they are being helped is a question. That's the thing. So again, transfer of wealth, it's something that we can think of, think of and plan ahead. Then the last thing is that when it comes to the next generation, when it comes to the next generation, suppose there is, you're leaving behind whatever wealth or whatever, it could be land, house, whatever, they should know how to handle it. How to handle it, meaning not just spend it, but they should know how to use it well. So when it comes to the next generation, when it comes to children, maybe grandchildren, they need to be trained. We see again over and over again the need for the next generation to know what we know and even more when it comes to money. For example, in our family, we never talked about money. We never talked about money in the sense what we should do with money or these are the options that are available. We never talked about it at a young age. It was always, don't talk about it. It was always something like a taboo, sitting around and talking, don't talk about money, don't forget it. That's all big people. They will talk, elders. Why do you want to know? Suppose you ask, how much is my fees, school fees? Why do you want to know? So leave it to the elders. But the thing is that children need to know, not to burden them, but they need to know how money functions. They need to know how to use money, how not to abuse money. They need to know the right perspective, all the things that we've looked at that God is the God who provides, that God is not against money, but we need to be careful. There could be hindrances to receiving the very things, the blessings that God wants to give. There could be hindrances and our own motive and our own attitude could be a hindrance or our ignorance of it. And we need to know that there is a real enemy who comes to steal, kill and destroy. We read in Malachi that he's a devourer. So all these principles, they need to know and they need to know right from a young age. I know of a father in our church, I know a father who actually has like one hour teaching sessions every Saturday. Like if not all Saturdays, Saturdays, he takes time to teach these children. Now these children are teenagers, one is in the last year of school, the other one is in college, but he takes time to teach them. These are options. This is how you can say, this is how you can, sometimes I wish somebody told us when we were younger, but that is something which is necessary. We teach them everything, we teach them how to cook, we teach them how to ride a vehicle, we teach them, they go, we want them to get a good education, etc. And about this also, about money, we need to teach them. Only then, when you leave something behind, they will be able to use it well. Use it well, meaning not just hold it and keep it for themselves or not spend everything away, but really be a good steward of it. So we need to, there needs to be some kind of a training, equipping, because if wealth is left, it will just go through. They will not know what to do with it. Either they'll be too scared to spend it too careful so that they won't use it anywhere or they won't know the value of it because it was given to them. It was given to them one day, it's a huge amount, oh wow, they get excited, I can spend it on this, that and the other and it's all gone. So when we're saying to the next generation, of course they will be adults when this wealth comes into them as an inheritance or something that comes to them, they will be adults, but if they are not trained as children, then they will not have the right perspective. And training also would mean what does the Word of God, what does God think about money in their lives? They need to know that the biblical perspective of finances. And sometimes I remember growing up, the constant thing that I heard from my parents over and over again, hey, we are poor. I don't know if you have heard it, we are poor, we cannot afford it, so don't try to be like the other people, be careful, don't try to be like the other people, we are poor, we cannot afford it. So I grew up hearing this, I'm poor, I cannot afford, I'm poor, I cannot afford. Now while it could be reality, yes, we are poor, we cannot afford all these things, that's a fact. But the truth is that we worship a God and to him belongs the cackle on a thousand hills, the gold and the silver, they are his. And he is the one who gives generously without holding back. And he's Jehovah Jaira. So that aspect also, we need to know. The fact is this, today we cannot afford this, tomorrow maybe we cannot afford this, but that is not the final resting place, that is not the final destination. We are on a journey, God will take us, God will bless us, but you have the right thing on money, let not money hold you, but you hold it, you control it. So that we need to know as children. So it is just, it is a mindset as well, not just kill and information about the money market or saving schemes, not just that, but also this mindset. Okay, with that we come to an end or the end of this course. Any questions, anything? Couple of closing questions. First of all, how much of hindrance do money please in the role in our ministry life? One, and the second one is the challenges that people go through ministry. Is it in areas of finance, is it because God is teaching us to depend more on Him or is it because of the poor choices He or she has actually made? Sorry, what is this in the last line? The challenges that people go through ministry in the areas of finance, is it because God is teaching us to be more dependent on Him or is it because of the poor choices He or she has made during? Yeah, yeah. So first question is how much of a hindrance does money really play in our lives or is that, sorry? That's of ministry. In case of ministry, yeah. So the thing is, see, ministry or work or otherwise, we need money to function. That is a, that is a reality. But money should have its right place in the ministry. One, we cannot be in denial saying, okay, I don't need money to work or to do the work of ministry. Every small thing requires finances. So that's the reality of it. But where is your heart at? What is God asking you to do? So that's the thing. So because if we are going to keep our focus on money, we are going to keep our focus on the need. The need is there. But if we are focused only on the need, focus only on the money that we are not focusing on the one who takes care of that need, one who wants to provide for the need. So we need to have the right perspective in the sense that, yes, I know this is the need. This is the reality. So it means you need to know the state of affairs. What are the bills to be paid? What is the monthly expense, daily expense? What is it that we need to function or daily as a ministry? We need to know the reality of it. And over and above that, we need to know that who is the one who takes care of our needs. So that should be there. Third thing is, what do I need to do now? What is God leading me to do? Yes, the way God has designed church and ministry is that people who are blessed to give to the work of ministry. But we also see it as a, what do you call it, a bivocational thing where Paul worked with his hands provided for the needs of ministry of himself and for his team. And people also gave. So we see that in Paul's life. So we know that it's a scriptural framework. So what is God leading me to do? Has he graced me, anointed me to be in the marketplace? According to this call of being a minister, has he graced me to be in the marketplace so that that can be an avenue of provision for the ministry? So it all comes down to that. Because if you've not thought about these, we're not afraid about these things and we could be in a wrong place and saying, I'm living by faith, whereas we've just ignored the prompting of the Spirit, the leading of the Spirit. We just shut out saying, I want to live by faith and then we're struggling and then we get hurt, we get angry with God, angry with people and then we come to a place of burnout and say, I don't want anything to do with ministry. So that's the thing. So it can be a challenge when our focus is not right. So you need to be real, not live in denial, but also know that God has called us to do maybe a list of things and be faithful to that. So that's it. And the second one is about... When people go through challenges in ministry, so again, that's the thing. When let's say a church borrows, takes a loan as a trust, takes a loan, then the focus is on repayment and that is monthly with interest. So well, I'm not saying that you cannot do it, but do it with the right heart, which means that you're going to put unnecessary pressure on people in order to get, in order to pay, because there's no other source. Be careful of all that, be mindful of all that and that's the thing. And it could also, it's a mix of that also, the choices that we make. Like we saw, it is the choice, it is the motive which can be in hindrance also. So is God teaching me a lesson? Well, God, we know primarily teaches us through His Word and the Spirit. So that's God's way of teaching, God's way of teaching a lesson. He doesn't take my hand, put it in the fire and say, see, that is fire, it burns. No, no, no, that's not God. That's not the way of teaching of any earthly father. So how much more are heavenly father? He's not going to break my hand and say, okay, this is how the fracture feels, so you be careful. No, but my choice lead me to those consequences, to those, but then the Lord is redemptive. Despite that, He still teaches, He wants me to be back on my feet so that I can complete the race that He's called me to run. Last question, Pastor. Is it okay like when you, to do your ministry in whichever area God has called you and to run your business or do something so that you support your ministry without being dependent on people, not talking reference to being dependent on God. Absolutely. It depends on the nature of ministry as well. Because I know of people and we see the scriptural example of Paul, for example, in the New Testament, who did the work of ministry and was gainfully in this business of tent making. So that's why we said tent maker, that kind of thing of people who do their work and then support them and also known people. So the nature of ministry is that, I know of a person who's passed away now who worked in Chennai for trust. So in the harbor and as an engineer and all through his life, from the time God called him till he retired, he worked that way. He will work, weekends he will minister and he was the work of an evangelist. So weekends he will travel. The tough Saturdays, Sunday he travel, he'll be preaching somewhere, but everything he will take care of, his travel and his stay and everything will come from his own thing. So that's something he said, God call me to do this and I will do it. So it's perfectly fine, just be sure. So with that, we come to an end of this course. Please do go through the notes again, check through it and let it stay in our hearts. At least the broad concepts or the broad things that we looked at, the principles, let it stay with us so that our life can change accordingly. Sanjay's question is, when will we get our final assignment? So it will be this week. So this week we are on the 17th. So it will be this week, the second quiz. E-learning students also around the same time. Thank you so much. Hope to meet you all next semester. God bless. See you guys.