 Okay, somebody's speaker is on. Let's look at 1 Corinthians 6, okay. So we're talking about financial stewardship, stewardship of finances, of material things, everything, right. So let's look at 1 Corinthians 6 and verse 19, right. It says, or do you not know that your body is the temple of the Holy Spirit who is in you, whom you have from God, and you are not your own, for you were bought at a price, therefore glorify God in your body and in your spirit which are God's, right. That's 1 Corinthians 6 verses 19 and 20. So 6 verse 19, it says that do you not know that your body is the temple of the Holy Spirit and God, Holy Spirit resides in you and that's one thing. The second thing is that you were actually, all of us were bought at a price, right. You were purchased at a price, so we are not our own. We actually belong to the one who purchased us, okay. So that's the greatest answer action that took place that we were held as prisoners and the ransom was paid which was the Lord's death on the cross, the blood sacrifice and we belong to him, okay. So look at second part of verse 20, it says, therefore glorify God in your body and in your spirit, glorify God. So first of all we belong to Jesus, so we know that he will not treat us cheaply, right. See sometimes when we have some something, maybe somebody's given it to us, we can either use it or abuse it. We can use it and not take care of it, right. So while we belong to him, we know that he will not do us harm, do us wrong. He will not treat us cheaply. He will not abuse us, right. He's there to beautify us, give value and worth to us, okay. So that's one thing that we see. Second thing is that it says you glorify God in your body which means as he has given us this responsibility of stewardship, you know taking care or glorifying God in our body or through our body is also an act of stewardship, okay. So what is that? Which means that we take care of our bodies, we take care of ourselves, like we don't abuse our bodies, right. We are responsible for how we treat our body. It says glorify God. So do not use, do not abuse, I'm sorry, do not abuse your body, because it belongs to Jesus, right. And we see many such things where the Lord says, you know, 1 Peter, 2 Peter I think, where we see that we, it's the flock of God, the church is the flock of God, which means the body of Christ, you know, the church belongs to Him. The same way we belong to Him, right. So and here the instruction glorify God in your body. The third thing that we see is that, okay, if the blood washed believer belongs to Jesus, so how do I treat another person's body? How do I view another person's body? How do I treat another person's body? That is also something of importance, right. Glorify God in your body, through your body. So how do I treat another person in whom dwells the Holy Spirit, in whom is the Spirit of the Living God, who has been bought with the greatest price that has been paid and that person's body has been purchased. So how do I treat, how do I view, how do I treat, what do I think of that person? So we need to be, you know, there's something for us to think about. It also, you know, is an act of stewardship, right, our own health, our own bodies, that it, you know, people say, you know, this is my body, I'll do what I want. No, I believe in, can never do that, right. And there's great reassurance in actually knowing that we, that our body belongs to him, because we know that he will never abuse, he will never treat it cheaply, but he will always give value and worth, right, to whom he has purchased with that greatest price. Okay, so why don't we just pray, even as we think on these lines, right, and maybe we can make a commitment saying, Lord, I will glorify you through my body, in my body, and I will view another person, another person's body as your dwelling place, and I will never abuse another person, right. Father, we thank you, Lord, for this revelation, Lord, of we belong to you, Jesus, spirit, soul, and body, Lord, completely purchased, Lord, blood paid with your blood sacrifice, God, we thank you that we are not our own, but we belong to you, and so also every other person, for whom you, Lord, died, and in every other person in whom is the spirit of the living God, so enable us, Lord, give us ice to see that, and I pray that the way we treat ourselves and the way we treat others will be shaped and changed by the revelation of this truth. We thank you, in Jesus' name, we pray, amen, amen. Okay, today might be the last session, I'm not sure, but we'll see how it goes. Okay, so we're on, we're looking at some of the practical things about stewardship, how can I steward, so we looked at, you know, what stewardship is, ownership, stewardship is, not ownership, sorry, it's stewardship is actually giving oversight, what is someone else's, right, so how do I use it, how do I protect it, how do I nurture it, how do I increase it, right, so that's stewardship. So in line with that, what are some practical things that we can do? So last class, I think we ended with all the, you know, budgeting and planning that we can do, so it's not wrong to do that, it's not wrong to, it's not to say, you know, lack of faith when I budget and say, okay, these are the expenses for this month. Okay, let's look at the third one, just some basic guidelines for financial success, okay, the third point, so this is the reason why we are studying this, why learning about this, because it is about a practical way of stewarding what God has entrusted to us, okay, what are some things, okay. First thing is, very practical, very, I mean, it's common knowledge, general knowledge, is this spend less than you earn, okay, so we're going to have the question, how can I spend more than I earn? What do you think? So if you work, you get X amount of money, and that's what you spend, but how can I spend more than I earn? How can I do it? So the instruction is, guideline is spend less than you earn, which means live within your means, right, but how can I spend more than I earn? What do you think? Can I actually do that? If I'm earning, let's say, 10,000 rupees in a month, how can I spend 20,000 rupees when I don't have 10,000 in my hand? Yeah, so how do I buy it? Yeah, simple borrow, I'll pay you back, you know, give me 10,000, I'll pay you back next month, okay. So it's easy to borrow, very difficult to pay back, right, because you don't know what further expense that you will have the next month, right, what sudden, you know, expenses that you might have. So the thing is to live within that means, right, so there are many people who have made it very easy today, you know, companies, banks have made it very easy to, if you have a good, you know, credit worth, they made it very easy to borrow, right. Once people know that you have some kind of an income or whatever, people say, why don't you buy, get a credit card, it's easy, you just have to pay, you know, so much and you get a credit card or you don't pay anything, you know, this is the credit card, you use it and people start spending it, people start, you know, using credit cards. Somebody's mentioned there already, okay, Jack in, borrowing Anand's typed by borrowing, so hope you're feeling better, Anand, okay, by borrowing money from friends, etc. Okay, yeah, so spend within your means, okay, spend less than you earn. Now that's something that we need to discipline ourselves, okay, because the thing is the temptation is always there, you know, you see so many offers, like offers on clothes, offers on shoes, offers on phones, you know, so many things are there, right, and also the banks are also saying you get text messages from the bank saying, okay, zero percent whatever interest, you know, your pre-approved loans and everything, so be careful, okay, avoid the use of debt, that's the second thing, you know, debt is, don't put yourself in a place where you owe, you know, because when you borrow, especially from a bank, when you use your credit card, right, it comes with what? Yeah, and it's a hefty interest, right, credit card interests are, you know, it can go up to 30%, which means if you borrow, you know, you're 100 and 100 rupees, for every 100 rupees, it's 30 rupees extra, right, it's very high, be careful, avoid the use of debt, build liquidity, which means build the ability to have cash on hand or accessibility of cash on hand, okay, so we're looking at this, maybe some of us are saying, okay, we are students, we're not started earning, you know, how does this apply, just remember this, probably you can go back to the notes when you actually, you know, start earning or using, but also, you know, I'm sure that you spend money, right, so it's good to think about these things when you spend money, okay, set long-term goals, what does that mean? That means that, you know, if you think about financial goals, we looked at that earlier, think about long-term goals, okay, 20 years from now, 30 years from now, no, that's faith, right, so you're saying, okay, God, you know, you want me, you've got an assignment for me 10 years, 15 years, 20 years, 30 years, so from then, from now till then, you know, what can I do with the money or can I have a goal saying, okay, I want to be able to do this, I want to be able to reach this place of maybe savings or maybe investing, maybe even purchase, right, it's not wrong, you know, every time we think that, okay, I think we've kind of dispelled that myth that talking about money is wrong, you know, using money, you know, God in fact delights, right, in giving the believer, he's a generous God, but it's all about whether we are holding on to God or is money holding on to us, right, so that's the thing, okay, also believe that God owns it all, you know, we are stewards that everything belongs to him, you know, even if I have a business and I'm getting regular income or if I'm working somewhere and I'm getting raise after raise and incentives and I'm getting, you know, progressing in my career, just remember that it's God, it's the Lord who has actually enabled this. He provides, right, in various ways, even through our employment and specifically when we talk about ministry and so on, he provides through those means, right, he provides through those vehicles, through those avenues, right, never forget that, okay, so goals, okay, so we looked at them. What about our lifestyle? Does the Bible advocate a certain lifestyle, okay, for a man or a woman of God? What do you think? So, and if so, what kind of a lifestyle regarding money, finances, material things, do you think the Bible talks about? What could you say, okay, let's say pastor, this is the lifestyle he or she should have. Somebody's in ministry, this is the lifestyle. So, when you say lifestyle, what are we talking about? Sorry, lifestyle like Jesus, okay, so what is it like? So, in today's terms, you know, what does it mean and how do you think? Online students also you can contribute, right, regarding our finances, so what would you think should be an appropriate lifestyle for a bill? Yeah, go ahead, you want to use the mic, you can. For me, I feel the appropriate lifestyle as a Christian, that's in terms of financial stewardship would be that first we should be, we should earn, we should have basic income for us in order to survive in order to, you know, bear clothes, you know. Take care of our basic needs. You know, another reason why is that once we have this financial stability that we can go out and we can preach to others rather and we can help them out. Once we have the financial stability, then we can help people out and leave. If we don't have the stability and just go preaching, there's very little we can do in that aspect. Okay, another thing is we become an example for others. Our lifestyle is a reflection on us, how we are, who we are. Okay, so we consider all these basic guidelines. Okay, so scripture talks about living with our means, living with contentment, godliness with contentment is great gain. Okay, don't, the love of money leads to all kinds of evil. So we have these principles. So use those principles. Okay, because when you, when you look at different scenarios, okay, let's say an urban setting, you might not think twice about, you know, riding a bike. Okay, riding a bike or using a bike for commute. It's fine. But let's say you just move from an urban setting into another setting. Maybe it's very rural where maybe one or two people use the bike. Maybe the head man of the village uses the bike. The panchayat leader has a bike. Okay, so you get, you get this thing. It's very relative, but we can only, so we can't say I can't go by bike. Right? Being God, being content and godly is I should walk or I should use the bus. So I can't say that. So only thing we can go by is these guiding principles that is laid out in scripture. And we have, of course, the Spirit of God telling us, hey, what you're doing is right or what you're doing is wrong. So we are led by the Spirit of God. We are led by these principles or we have these guiding principles in scripture. So we go by that. Okay, so our lifestyle depends on that. Okay, so when we say extravagant, you know, wasteful, we need to again think about it, is it wasteful? Is it extravagant? Okay, can I spend so much to take my family on a holiday? Okay, so you're thinking I'm in ministry, should I do it? I'm in ministry, you know, should I, so you think about this, if you feel that, okay, I just need to, you know, this person, George Werver, who recently passed away, anybody knows George Werver? No, okay. He wrote a very wonderful book about, not lots of book actually about missions. And I remember reading it as a young man who came to, you know, Bangalore. And I remember picking up that book of the revolution of love and justice and many other books. Okay, so he, in fact, started this whole movement called Operation Mobilization, OAM. He recently passed away. He always wears a jacket with a world map on its back. You know, it's like the whole jacket is like world, I'm saying world missions, right? So so that guy is known for, you know, very austere living, very simple living. Okay, so for his wedding, people gave lots of gifts, wedding, typically, you know, wedding reception, newly wed, so they gave a lot of, so he, he and his wife decided that they will pack some in a suitcase. The rest of it, they wanted to give it away to charity. Okay, so that's their choice. They said, okay, people have given so much, one room is full of that gifts. You want to give it away to charity. Okay, so we can say, oh, that was very extreme. Right? Why should anyone do that? People have actually, you know, friends and family have contributed out of their love and affection for us, you know, we should keep it. But that was their decision as a couple. They said, that's fine, you know, we understand that. But this is what we value, and this is what we want to do. Right? It's fine. Right? So he, he spent his entire lifetime, you know, doing missions and, and doing so many other, you know, wonderful things for the Kingdom of God. And that was his choice. On the other hand, we might have some others who say, okay, I don't want to do that. Right? I want to live in a comfortable place. I want to do this. But I want to, I want to give away, you know, we don't know how much they are doing for the Kingdom of God, how generous they are with, you know, when it comes to money, when I'm coming, we don't know. So we cannot always judge by the external. Right? We know that God watches, God knows the intense of our heart. So, so don't judge yourself also very, very harshly. Don't bring yourself under guilt and condemnation, you know, unnecessarily, where the Lord is not convicting, you know, you unnecessarily bring it. So have an understanding of, you know, the right understanding of God's view on money, which is what we are trying to do. Right? And live it out practically between you and God. Okay. So your lifestyle, okay? So financial contentment does not having a, does not result from having a particular lifestyle, saying, I should live in such a place. I should own these things. Contentment doesn't, you ask any person, right? They will say, I have all this, but still something is missing. Right? So, so don't worry. You know, it's not about all the advertisements will say, if you live here, then you're somebody. Like if you wear these clothes, then you're somebody. If you own these things, then you're somebody. Right? That's what the advertisements say. Right? But it's not, it's not true. People who are, who think, who we think they are somebody, say, no, it's, it's actually nothing. Right? Okay. Borrowing in debt, is borrowing a sin? Coming back to, what do you think? Can I borrow? Borrowing and not repaying is definitely sin. Right? I borrow from someone and I'm saying, okay, forget it. It's definitely not on. But, but is borrowing itself a sin? So the Lord says, if you have two tunics, give one. So what are you actually doing? Giving away. Yeah. And maybe, you know, maybe that person saying, I'll give it back. Right? And the, and the Lord used the parable, right? Of the persistent, the prayer of the persistent widow, right? About praying with persistence, about going and borrowing food. He's saying, you know, he's going to the neighbor's house and saying, guess, guess I've come. I need, you know, I need some loaves of bread and he's asking. So he's literally saying, okay, I want to borrow. So it's borrowing sin. Unnecessarily borrowing is? Okay. So, okay, let me rephrase my question. Is borrowing bad? I'm not using the word sin. He's borrowing bad. Okay. So certain cases, you know, there's a healthy way of borrowing and an unhealthy way. Okay. Let's say you, you want to build a house or something or you want to purchase a land and you don't have that kind of money, but you have, you know, you're working for some, some company or something. And then you're getting this regular source of income. Right? I'm sure people buy bikes, cars based on that saying, okay, EMI, right? Installments, monthly installment. And so I'm going to buy based on that. It's a form of borrowing, right? It's a loan. You've got the one vehicle and you need to make monthly payments. So, so borrowing itself is not bad, but we need to be very, very careful because it can very quickly become bad, very quickly. Right? So I, when I first got a credit card, I used to work with this company. I was in sales. I got the first job, you know, then they said, okay, you're a, you're a, oh, you're a manager of the thing, you know, we'll give you a card. You don't have to pay anything. So I was just signed here, here, here. That's all we'll get to give you the card. I was very happy. This went about using the card and in my ignorance, I thought if I could pay the minimum balance. Okay. So after 30 days or 45 days, you get a amount. Okay. This is what you spent, 10 things you spent on. And this is the minimum thing that you need to pay for this month. Minimum balance you need to pay. Okay. And that gets added over with the interest for the following statement, which is after 45 days. So I just thought, hey, I'll just pay the minimum balance. I completely forgot that there is an interest added to, you know, if you paid, if you, if you, if you, you know, spent 10,000 and the minimum balance comes to, let's say 1000 rupees, I thought, okay, I'll just pay the minimum balance and find next month I can pay it. But for that 9000 rupees, there is a interest that is added, which is every day. And so things became really tight. It became very difficult. And newlywed, you have these expenses, you know, all those things. So it was very difficult. I was glad to kind of finish that whole thing and come out of it. Very quick came out of it and said, okay, I'm going to use this only where I need to. Maybe there is an online thing, some air tickets or something where now it's become very easy. You can use GPay and phone pay and all that. So as long as you have money, you pay. And so that was the thing. So we need to be very, very careful. So borrowing is not bad, but you think twice thrice before borrowing. Also, when it comes to, you know, like married couple, let the husband and wife be in agreement about these kind of decisions because it's a big decision. Okay, then some things about bankruptcy. Okay, this may not really apply in an Indian context. So, you know, the thing is there are certain bankruptcy laws. What does bankruptcy mean? What does it mean when you say somebody's bankrupt? Have nothing. Okay, there's absolutely nothing. When you say bankrupt, it means there's no money in my savings. There's no money that's completely gone. Maybe you're in business and you say, he's gone bankrupt. I cannot pay back whatever loans the company bank has given. I'm done. Okay, so you just close thing. The bank also might take away whatever assets you have, like furniture and building whatever they might take that. And that's it. You don't have to pay back. So, you know, it's an unhealthy trend where people declare themselves to be bankrupt. They've borrowed. They've not been able to pay back. They just declare saying, I'm bankrupt. So it applies for those kind of things. So, which means that we'll never be, you know, the Bible is very clear that we need to pay back. You know, Psalm 3721 talks about that. It is, well, let's look at that verse. Psalm 3721. What is it saying? The wicked borrows and does not repay, but the righteous shows mercy and gives. So the wicked borrows and has no intention, does not also. Like most of the times, you know, you don't have any intention of paying back. And so that is wrong. So when it comes to declaring bankruptcy, you know, that's the thing. When you declare bankruptcy, okay, we looked at giving, right? We looked at tithing and giving and helping others, arms, we looked at that. Okay, what do you think of investments? Investing your money? Is it wrong? It's good. What Francis? Good. Okay. So in the parable of the talents, the Lord, what does the Master ask each of them? What did you do with what I gave? And the thing is, he used the word talents. Okay, what did you do with the talents? And each of them answered what they did with it. So they actually invested, except the one who did not invest it in order to increase. Why do you invest so that it will become bigger, that it'll multiply more? Okay, so there are pools or there are means by which we can invest. Okay, so investment and savings. Both are different, but you know, when it comes to saving, when you put money in the bank, what happens? You get, what do you get? When you keep money in a bank, it is safe. We get interest on it, so that's one way of, very, if you think about it, a simple way of investing. Okay, it is there in the bank, it is getting interest, but that interest is very small compared to other means. If you put money in a, let's say a term deposit, what does that mean? A term deposit. Sorry, certain amount you put in, keep on adding, is it? Okay, a term deposit is actually a substantial amount of money, just careful with this thing, a substantial amount of money, which you put away. It's like an account, but you put away in an account, a term deposit. The term refers to, the word term refers to the number of maybe months or years or whatever. So it's like a fixed deposit, a term deposit, the fixed deposit. So you put it in a fixed deposit, you cannot take it whenever you want, if you break a fixed deposit. So because the term could be maybe two years, three years, five years, so you don't take it out. You keep it there, you put it there and the interest is a compound interest. I'm not getting into the details of that. The financial workshop, like I mentioned, you can get actually a lot of details there. So the compound interest is more and when you get the money back, you get it with the interest. Now, there is also what is called a recurring deposit, which means every month you put away certain amount of money, that also at the end of the year or whatever, you get something. So there are different ways of investing, mutual funds, high risk investments like the stocks and shares and stocks and so on. I don't know too much about stocks and shares, but people do invest and it's a high risk, high return. Risk is high, return is also high. So these are ways of investments. So you see what works for you. So like people say, when is the right time to start investing? People ask the question. The answer is always yesterday. It's not tomorrow day after, then is the right time yesterday, which means start early. It's not that you're being selfish. It's a good way of stewarding the money that give, definitely give, help people, give to the work of the kingdom, help others, think of saving, think of investing. So I'm sure there are many questions, how, what, but you can attend the financial workshop for that. Work, retirement, we looked at work, that work, calling, assignment, everything goes together. So is work wrong? No, because it's instituted by God. We have people right through scripture who worked with their hands. So then the problem happens when we say, okay, what if I'm called for a a full-time, so-called full-time kind of ministry? So then what do I do? Right? Ask the Lord, is this something that you want me to do? Or do you want me to work, have a vocation and then do ministry? Right? There are a lot of people who do that. So ask the Lord, be clear and go for it. Okay. Network is the financial worth of someone. Okay. Now it is a gauge, it is just a measurement. Okay. It's not to give anybody some kind of a big value or identity. Okay, that's for sure. If the net worth is more, that does not mean that that person is greater than anyone who does not have a net worth, but net worth is simply all the assets that you might have, assets meaning, okay, what are the material things that are there? The belongings that you have, the savings that you might have, all put together is the net worth. Okay. So that's just a measure and it will help in planning things. It'll help in financial planning, but it's never a measure of your value. Okay, just because your net worth does not mean that you are more valuable, you're more valuable as a person. Okay, our value and worth as a person comes from the Lord. So we understand that, right? Okay. Is it okay to pay taxes? What do you think? Unreasonable taxes. The government is not doing anything with the tax that I pay. Look at the, now the road is good right in front of the college, but how was it, you know, election is next month, so roads are getting better. Anyway, praise God. But the thing is, you know, we have this thing, no, like government is not doing anything, why should I pay, right? And just think about the kind of government which was there in the Lord's time, right? At least now there is some kind of an accountability, some kind of accountability. There was nothing. They decide, they decide to kill a person, that's it. They can do what they want. Okay, so in such a government, the Lord said, take the coin, whose inscription is there, pay to Caesar what belongs to Caesar, which means, you know, your taxes and whatever needs to go to the government, you do that. Okay, so income tax, any kind of tax, do that. Okay, and it can be paid for. So also, we need to know that when it comes to taxes, there are certain, you know, different governments do that, different countries do this differently. Okay, so in India, there are certain ways by which your tax amount can be reduced. Okay, so suppose you have any government, suppose you invest, I mean, sorry, you save money in a post office. Okay, so if you're saving money in a post office, if you're saving money through any of these means, the government will reduce the amount of tax that you have to actually pay. Okay, so make use of that. There's nothing wrong in making use of that. Okay, life insurance, what is a life insurance? Suppose you die, suppose you die. Okay, yeah. Okay, so life insurance is a policy and life insurance is something that is paid maybe once in six months, it's different things like maybe some things are monthly, some are once in six months, some are once a year. So this is something that you, I won't call it investment, but this is something that you pay so that in the event of an unlikely, let's say you pass away, you know, you're martyred, whatever, let's say you're martyred for Christ. Okay, so the thing is, whomever you nominate in the life insurance policy, you can say, okay, my wife, my child, you nominate, they get the amount. So the life insurance can be, it can be a good thing. Life insurance might say, okay, 10 lakhs, but you need to pay monthly, maybe a small amount. And the amount that you pay during a lifetime need not be 10 lakhs, it won't reach 10 lakhs, it may not. But in the event of you passing away, it can be a natural death also, natural cost. You'll live up to 100, 120, and then you pass away. Okay, because you had a life insurance policy, because of you passing away, the other person, your family gets it. So they will take down cost of death, everything. So it's a good thing for the family. So these are ways by which we can actually practically steward our money. Okay, so this should actually open our eyes. Okay, there are so many things, and these are ways I can actually use it wisely, use money wisely. Maybe I want to leave behind something for my family. This is something that can be done. Okay, any questions? Life insurance. So is life insurance an act of unbelief? Won't God take care of my family? What do you think? It's a vice act. But the thing is, like other things, we can go either way. Because money has that thing capacity to control. Money gives false assurance. Don't worry, it'll be fine. Money gives false confidence. You can boast I'll take care. Don't worry. Next year, I'll take care. That is, we don't know what happens between now and next year. So money has that capacity to do that, false assurance, false confidence and all that. So the thing is, we need to be careful not to be controlled by that, not to come under that. Not to trust in uncertain riches. By all means, make use of whatever is available. By all means be wise, make use of it. If you read through Proverbs, there's a lot of wisdom on saving. There's a lot of wisdom on using money rightly. There's a lot of wisdom there. But don't be controlled by it. Don't let our trust be in, in a one verse that we can always go to is 1 Timothy 6 verse 17. I think we haven't read it in a while. Let's read it. 1 Timothy chapter 6 verse 17, command those who are rich in this present age not to be haughty, nor to trust in uncertain riches, but in the living God who gives us richly all things to enjoy. 1 Timothy chapter 6 verse 17. So that puts everything in balance, in perspective. So it says, command those who are rich in this age. Bank balance is good. I have so many things. All that is there. Command those, tell them not to be proud, because money does that to them, wealth does that to them, real estate does that to them. Command them not to be proud, nor to trust in the things that are actually proud of, which is the riches, not to trust in uncertain riches, but in the living God. But look, look what he does. He gives us richly all things to enjoy. You see? So sometimes we go to either extreme. I don't want this, whether this God is saying, it's okay, you're my son, you're my daughter, I want you to live a good life. And we say, no, I don't want. But the thing is this, not to trust in uncertain, it's not to make an idol out of the blessing that he gives, but to put our trust in him. Okay. Okay. Okay, then the next thing is wealth transfer, meaning whatever we have during a lifetime, whatever we have saved, that we can leave behind or leave behind as an inheritance for our family, for children, children, children. So think about that. Is there something that I can I can leave behind? I can actually transfer. So think about that as well. And lastly about training children. Now, growing up, I'll tell you that we never discussed money at home. Money and sex were never discussed. So whatever input was from the world that I got. But thank God, everything gets sorted out. But the thing is this, if we don't discuss, if we don't teach children, then someone else will teach. If you don't teach from the word, they will be learning. But it may not be what they need to learn. You look at your own life. Okay. Whatever you did not learn from the word, someone was teaching you, either it could be one fellow sitting next to you, somebody, you know, some family or somebody, they'll teach you something, they'll tell you something. And you're at a very impressionable age where you're thinking, wow, long hair is cool. That person must be saying something that is really and that's it. You're a teenager and that's it. So it's good to teach children, especially about finances. You don't have to think, okay, they need to become models. They need to be 21. They need to be whatever. No, you can teach them at a young age. And I know of someone who does that, you know, this person every Saturday, he takes an hour to teach them about savings, investments and so on, generally about money, the right perspective about money. So and you know, the thing is, what is the, see, the Bible says, okay, it's good, you leave an inheritance, but what if they don't know how to handle that inheritance? Okay, so the best thing, I mean, the big thing is not in giving people lots of money. Sometimes we look at people, they're in poverty and you say, you know, if I had a lack, I would just give them that lack money and that will just change their lives completely, not necessarily, not necessarily. You'll give it today, maybe by in a week, it'll be gone. It'll be gone. They would have spent it on all their needs, maybe debt, everything, it'll be gone. What then? Right? There is no knowledge. There is no wisdom on how should I handle this? It's like, you know, it's like giving an AK-47 assault rifle and putting it in the hands of a 10-year-old and say, use it wisely. He just knows to aim and pull the trigger. Right? Yeah, so true. Give a man a fish, he'll eat for a day, teach a man how to fish, then, you know, so that's, so this handling finances is also a life skill. Okay, so, so don't shy away from it, right? Maybe, you know, we might think, okay, we're almost about to close. We might think, okay, you know, we are Bible college, I want to become a pastor, I want to do ministry and all that is great, right? That's fine. You know, that's God-given desire. But don't shy away from, you know, this thing, you know, of learning how to handle finances. What is it that I need to know about money? Because you're going to use it each and every day of ministry, believe me. Each and every day, every month, you will, there will be that thing to use it wisely, right? And when you have a Sunday service, maybe you're a pastor, you will have an offering time, right? Or you'll at least put an offering daba there, say, you know, on the way out, please put, right? So what are you going to do with it? How are you going to do it in a way that does not bring dishonor to Christ? Right? Okay, I think that's it. We are done. Any questions? Yeah, yeah, okay. Yeah, Prince and then. Is it okay for believers to do finance business? Is it okay for believers to do finance business? Where do they give money for interest? Can believers do that? Where they give money for interest, as in like a lending, lending business, right? So because there are finance firms which actually do something else also, right? So they're going to charge a high, you want to charge a, you have maybe a lakh or something, 10 lakhs, and you're giving 1 lakh to each person, and you're going to charge some 50% interest on it, right? You have to ask your conscience, can I do that? You know, but the thing is this, you know, if there's an agreement, if you come to me and say, I'll give you a lakh, but I want a lakh and 50, or I want two lakhs when you go back, and I say, okay, and I agree to it, then you and I are in agreement. You have every right. It's a legal agreement. So you made me, you didn't tell me, I'll give you 1 lakh, and at the end of the thing, whatever you want, you give me, I'll be okay with it. You didn't tell me that. You very clearly told me that it's two lakhs that is required, and I said yes, and I maybe signed the, then you have every right to ask. Even not even about interest, but even if it's less interest, like correct one only, like not very too much, it's right, right amount of it, because general very less. Can we do it because in exactly, don't remember the verse in scripture, but it was there in Bible, like if you give something, don't expect to take it back. So let's say you're giving to Vijay, and Vijay is in a state where he's not able to pay, don't do it, but if you're doing it as a, this is your business, this is your vocation, and you're charging a nominal amount, and it's within the legal things of the country that you're in, place that you're in, by all means. It is with that understanding that you actually give out. So even to Vijay, if you say Vijay, at the end of the month, I want it back. Vijay says, okay, shake hands. So at the end of the month, you have every right to ask him. Let's say after 15 days, you feel in your heart, I don't want anything back. And end of the month, Vijay comes and says, hey, actually, I don't have enough here. I have only 75% of it. Is it okay? And you just tell him, you just take it. No problem. That's fine. So, okay, we'll stop here. In case there are any questions, you're always free to email, and I'll try and respond to that. Okay, so thank you. We come to the end of that session and this course, this semester. Thank you online students. But basically guys, there'll be a couple of, one more online tests and I'll post it on the stream, also for in person. Yeah, sure. One more question. Oh, yeah, sorry, sorry. Yeah. Pastor, actually, I have the same question that Prince asked. But I want to just say, like, wealth transfer. So it can be blessings for generations. Yes. But if someone took Boro's money and all, so it can be cursed for the generations. Yes. So, like, what Bible says about that? Yeah, so the thing is this, if you're going to be borrowing, it's going to affect you. It's going to affect your family. And if you're gone, then they are going to bear the brunt of it. You're not going to be there, but then they're going to bear the brunt of it. If it's a legal, thing that is binding, they're going to hound them, go after them. So be careful. Yeah. So that's what I would say. Unless there is somebody who says, no problem, I'll write off your debt, but very rarely does that happen. So one needs to be careful. Yeah. Okay. Fine. One more question in this chapter. Yeah. Yeah. So I misuse money. I repent. Yeah, because in the sense, it depends, right? You'll see the enemy comes to steal, kill, and destroy. But a lot has come that we might have life and life in its abundance. Okay. He's the redeemer, which means that he brings us back from where we have fallen and takes us even further. Of course, redemption talks about the fall and the consequence of the fall and so on. So sometimes I do this out of ignorance. Sometimes I do this intentionally. Okay. So either I do it intentionally or out of ignorance, I have to face the consequence. It could be imprisonment. It could be loss of property maybe in order to repay. I have to face that earthly consequence maybe according to the law of the land. That's a possibility. But is God capable? Is he bigger than that mistake intentionally, unintentionally? Absolutely. Is he capable of restoring? Absolutely. So if we lost a land, when we ask God, can he restore back the land or money that we have misused back? Yeah. Or will he tell us like go work? I will give you some opportunities, work, save and then restoration comes in many ways. This restoration will come in many ways. I'll just tell you quickly one thing. Okay. How I, I won't say lost. Okay. Now, I don't know if I shared this because I forget which class I shared. We were, you know, I think this was many years ago. You know, I moved to Bangalore, started working, you know, me and my wife, I think we had a baby, you know, I think Ruth was not yet born. We were there. We came to know about a neighbor who was in debt. So bad that these guys were saying, you know, you sell your kidney and you pay back the money, harassing them night and day. So we came to know about their state through the lady who was helping us, you know, house sale. So he said, this is good. And the girl, you actually used to come to our house for my wife, Aarti used to teach her some math and English and all that. So she used to. So we knew this one. We were thinking, poor thing, you know, what to do? Let's help. So we thought we'll ask our friends, get money and help them. Okay. And whatever money we could. So then the Lord started speaking to me, why don't you give, you just give it. So I was actually, I got some money from the company that I worked in, which actually shut down. So I was working in another company. So they gave a severance package. So I was saving it for, to buy a second hand car. I just thought, okay, I'll buy a second hand car, second hand Fiat. I have in mind, you know what, second hand Fiat, because my wife was just, I think she was carrying, expecting. So I thought it'll be comfortable. I can buy a second hand car, hospital visit and all that. So this is what the Lord said, we're going to give it. So I was struggling, is it me or is it God? God, you can't be, maybe it's me, you know, out of guilt and all that. Very clearly the Lord said, give it. So the next day I just went, withdrew all the money and kept some for whatever expense, put another thing and they used to run a bank bakery or something. So I went, so we even gave it. Okay, after giving, maybe two weeks after that, they moved house. That's the last we heard. Till date, I don't know where they are. They didn't give back the money. They didn't give back to say, hey, we'll pay you back later. It was those days, it was big money for us, right? Go on. But did the Lord restore that money? Many times over. But how did He do it? I still don't know, but He did it. Amazing ways He restored. So the Lord is a debtor to no man. Just always remember that. He's a debtor to no man. He says, or in this case, He instructed me to give, I gave. And I was feeling very cheated. We want to help them, how can they do it? But I had to work for the bitterness and all that. But we said, okay, fine Lord, you will, the Lord restored many times over. I wanted to buy a second man, Fiat, which was not in the market. The Lord made sure that I bought a new car. Yeah, so I was still working and all that, but so the Lord made it possible. So the Lord restores. Okay, with that we end. Thank you so much. God bless you guys.