 I just want to read from John chapter 10 and verse 27, John chapter 10 verse 27 and these are the words of the Lord. And the Lord is saying, my sheep hear my voice and I know them and they follow me. So the Lord is making this absolute statement saying my sheep hear my voice and I know them and they follow me. So it just applies to all of us who follow or who are followers of the shepherd. We have received the Lord as a Lord and Savior. So we qualify to be his sheep and this is what the Lord says about us, about his sheep. He says, my sheep hear my voice. So he has designed us, created us, fashioned us as new creations to hear his voice and he knows us and he knows us better than we know ourselves. He knows us inside out. So he has fashioned us in such a way to hear his voice and he knows us. And the last part is that he causes us to hear his voice so that we follow him and says that and they follow me. So if we have qualified to be sheep, which is simply because we are born again and we have received him, as Lord, as Savior. So that is what qualifies to be his sheep, that we follow him, that we have received him. It says we have been designed to hear his voice. So if there is anything in us, if there are any question, any doubt in us, can I hear or can I hear accurately? We need to dispel the doubt because this is what he has designed us for. He has designed us to hear his voice. Now we might put barriers, we might go astray and far away so that we don't hear his voice. But the thing is, in his plan and purpose, it is his will that we hear his voice. So he has designed us to hear his voice and he says, I know them and they follow me. So this is our purpose to hear his voice. The chief end is to follow him, to obey him to every desire of his, to really go ahead and do it. So let's pray and let's just commit ourselves to God, commit ourselves to hearing his voice, whatever it takes to hear his voice and put away all barriers, everything that seems to drown out his voice, we need to put it away. We need to keep that aside. You know, maybe the things of the flesh, maybe other so-called voices. Let me say other so-called voices, talking about other inducements or Satan's invitations, just putting it aside. Say, I choose to hear the voice of the shepherd. Father God, we thank you for this reminder that you have created us to hear your voice. You have designed us to hear your voice, Lord, as new creations, God. Father, we thank you for this amazing privilege to hear the voice of the shepherd, to hear the voice of the Creator, of this omnipotent, omniscient God. Lord, everyone, our entire humanity is searching. Lord, searching for meaning, searching for truth, searching for intimacy, oh God. And Lord, you have created us, Lord, in your image, Father God, to hear your voice and Father we thank you. And Lord, we pray that we will purpose, Lord, to continue to hear that we will not put anything, Lord, between us and you, oh God, that nothing, nothing of the flesh, nothing of our unbenewed mind and thinking, God, nothing, no sin, Lord, no hindrance, Lord, that we will allow to come between, Lord, us and you, oh God, that we may hear you clearly and that we may follow you, that we may obey, oh God, what you instruct us. We just want to thank you that you have enabled us to do so. We give you all the praise and all the glory in Jesus' matchless name we pray. Amen. Okay, so we're continuing with where we left off last class. So this is Principles for Divine Prosperity. We were looking at the last few points that is honoring God in our finances and we looked at tithing, giving, giving of arms. And yeah, we had an interesting discussion on tithing and how much and so on. So we just finished that entire session by saying that the word tithe itself means 110. So while we can give more, and in fact in the scriptures there are, you know, when people are, there is this institute, what God has instituted where people give tithe, people give offerings and so on. And so we saw the reasons why, you know, why certain things ended at the cross. And we looked at the blood sacrifice, we looked at, you know, other things that ended explicitly ended at the cross. And while we see other things continuing, like worshiping with instruments and so on, it's not anything explicitly mentioned that it's ended at the cross. So also with tithes and offerings. So we continue on into the new dispensation, into the new covenant that we continue with that. Okay, so we stopped there last class and today we look at, let me just share the screen. So today we look at a few more things, principles for prosperity, that is a very simple thing that we listen to the Holy Spirit. Okay, listen to God, listen to the Holy Spirit. When it comes to, when it comes to things of, like even things like money, planning maybe, spending, investing, we're going to look at all that in a little while. But the thing is to listen to the Holy Spirit. Okay, now, you know, many times we, when we, when it comes to listening to God or listening to the Holy Spirit, maybe when it, you know, things like money or spending or, you know, things concerned with money are not the usual things that we, you know, that we go to God for, or we ask Him for, you know, Lord, what should I do with this? It's not the usual thing. You might, you might actually, you know, ask God or listen to Him or actively seek Him for, you know, many other things. So the one reason or one's very good reason why we can, right, why we should rather seek Him is because of His declaration, Isaiah 48 and verse 17, where the Lord says, I am the Lord your God who teaches you the prophet, right, who leads you by the way you should go. Oh, that you had heeded my commandments, then your peace would have been like a river and your righteousness like the waves of the sea. So the Lord is saying, you know, I'm the one who teaches you to prophet, right, who teaches you to benefit, to receive a benefit. So, you know, purely in financial terms, prophet is what you have after all your overheads are paid and overall your expenses are taken off, are paid off, like, you know, expenses like rent and, you know, if it's a business, if it's like rent and salaries and, you know, raw material cost and everything is paid off, then what you have is the prophet. And the Lord is saying that I'm the one who teaches you to do so, right. If we turn back to Isaiah 28, okay, Isaiah chapter 28, and if we read through verses 23 to 29, we see that the Lord being the omniscient one, the all-knowing one, we see that he, he, you know, while we attribute God to be the all-knowing one, while we attribute God to be the all-powerful one, that he is the creator God, many times we forget that he knows how creation works, because he created, that he knows how, you know, the systems and everything, the processes work because he created, that he is the all-knowing one. Okay, so when we go through these verses, we see that, you know, it talks about agriculture, it talks about the plow man, verse 24, it says, the plow man, he keeps plowing, does he keep plowing all day, does he keep turning his soil, and when he is leveled at the surface, does he not sow the black cumin and scatter the cumin, plant the wheat and rose, etc., you know, does he keep plowing always, you know, after a certain time when the land is turned over, when the soil is turned over, he sows, he sows these seeds, and then he says, he instructs him, who God instructs him in right judgment, his God teaches him. Okay, so it says here about the harvest, okay, verse 27 onwards, for the black cumin is not threshed with the threshing sledge, nor is a cartwheel rolled over the cumin because, you know, it can actually easily break and become a powder, so it says, the black cumin is beaten out with a stick and the cumin with a rod, bread flour must be ground, therefore, he does not thresh it forever, break it with his cartwheel or crush it with his horsemen. Look at verse 29, this also comes from the Lord of hosts, who is excellent in counsel, sorry, wonderful in counsel and excellent in guidance, like is wonderful in counsel, excellent in guidance, so we can trust him with our finances or financial decisions and we can trust him with the expectation that the Lord will cause us to prosper, the Lord will teach us to profit. Okay, so listen to the Holy Spirit, listen to God's leading because he knows and he leads. Okay, the other one that we can see is to receive God's prophetic word, well, Second Chronicles 2020 talks about how the Lord blesses, listen to his prophets so that you may prosper, Ezra 640 also talks about the ministry of the prophets and how the people prospered because of that, so the thing is this, you know, to receive God's prophetic word, which means that God, the inspired word of God, now the prophetic word can come through others, the prophetic word can be quickened to you, like for others, but the thing is this, receive it, it is God speaking, so without, you know, it goes without saying that we need to trust, I mean, we need to test, we need to receive it, we need to test it and then apply the word of God, right, apply the prophetic word, but it has to be tested and so on, so we do that, but God has instituted this, just as he instructs us, just as the Holy Spirit instructs us and wisdom, Holy Spirit teaches us to profit, the prophetic word enables us to get into or to walk in the plan and purpose of God, the plan and purpose of God for us is so that we will thrive and flourish, okay, so coming back to prosperity, you know, prosperity, it's not just about money, right, it's divinely orchestrated, divinely appointed means, divinely appointed ways through which God enables us to walk in divinely appointed success, like walk in success to thrive and flourish, right, so that's our God, so when we look at prosperity, it's not just about money, but money is a part of it as well, okay, then the third one, get wisdom counsel and knowledge, get wisdom, you know, there's nothing wrong in getting wisdom and wisdom comes from him, he's the primary source of wisdom, he's the primary source of knowledge, you know, he is, like we said, he is 28, he is 28, yeah, so what is, he's wonderful in counsel and excellent in guidance, so this is our God, so it comes from him, so he's a source, so we can receive from him, so get wisdom, knowledge and counsel, now Proverbs 8 talks about the connection between wisdom, counsel, knowledge and how it is related to financial prosperity, okay, you know, you can read through all the other references also, talks about there is the connection to success and wisdom, the connection to knowledge and the connection between that and prosperity, right, so we can, you know, if you can just go through that, all these references in the book of Proverbs, okay, um, just one verse, let me just read out, Proverbs 8, one starts, it's about wisdom, it's, it talks about how wisdom cries out and understanding lift-up, the voice and so on, verse 18 says, riches and honor are with me, enduring riches and righteousness, you know, you just see that, enduring riches and righteousness, verse 21, that I may cause those who love me to inherit wealth that I may fill their treasuries, okay, so there is this, you know, very intricate connection between wisdom and knowledge and, you know, wealth as well, where the application of wisdom, where the outflow of wisdom or the use of wisdom, you know, causes and inflow of wealth, and we see it in the natural world, right, we see it in the natural world, we see it in the physical world, when, you know, when there is knowledge and when people use it, when there is wisdom, people use it and it causes, you know, there is, there is a transaction, the use of that causes wealth coming, right, so the Lord who is the source of all wisdom and knowledge, the fear of the Lord at the beginning of knowledge and wisdom and he is the source, he's excellent, wonderful in knowledge and counsel, so he causes us to prosper, he causes us to be successful, he causes us to thrive and flourish financially as well, right, so these are some principles that are for us in scripture, so that we can, and then these principles are there for us to apply, that we apply and then we see that, we see the fruit of that, fruit of applying, fruit of persisting, right, fruit of enduring and continuing to walk in that, right, okay, so any questions here before we move on to the next one, any questions in person, online, no questions at all, okay, at any point, you know, feel free, probably you can put it on the chat as well, right, okay, so let's look at chapter six, now chapter six is the final chapter in the course material on international stewardship, so chapter six talks about some practical guidelines, right, regarding our personal finances, now these are some things that you may be practicing already, some of you may be very well versed in it, right, you may be very experienced in it, but this is just a, you know, some of the simple practical ways of, you know, guidelines for personal finances, okay, so it is an overview and which means that if you want to go in-depth in it, then we do have the workshop, financial workshop, biblical finances and so on, so we have workshops happening, recently concluded one, I think, this was last month sometime, so you can attend, you know, anyone of those to get the right perspective, go into a little more depth into these things, these are practical things, right, so the first one, now some of the material is, you know, adapted from Christian financial professionals network, right, so these are, like we always recommend, you know, these are some basic ideas, okay, so if you want to, especially if you're tuning in from a different nation, you know, certain other rules might apply, certain, you know, which are specific to that country, but these are basic guidelines, okay, okay, so let's look at the first one, you know, the first one is biblical stewardship, okay, so the understanding with which we are getting into all this is that we are stewards, okay, who is a steward, a steward is an overseer, a steward is a manager, okay, so when it comes to finances, we see that everything belongs to God, okay, we need to understand that, especially if you look at Psalm 24 and verse 1, okay, Psalm 24 verse 1, okay, Psalm 24 and 1 says, the earth is the lords and all its fullness, the world and those who dwell therein, says, for he had founded upon the seas and established upon the waters and so on, so the world is the lords, the earth is the lords and its fullness, right, so everything belongs to him, right, everything, he's the owner of it and we see that we are stewards because God created us and put us here to, he's given us certain responsibilities and just like he did with Adam and Eve, he put them in the garden and he said, you tend to it, you know, you gave them a responsibility of work and so on, so we see that we are stewards, okay, so what is stewardship, if you want to define it, it is the use of God-given resources, it is the use of God-given, they're not the abuse of God-given resources but the use of it, right, when you say abuse, it's a wrong use, right, it is the right use of God-given resources for the accomplishments of God's objectives, right, so when you say God objectives, it does not mean only, let's say, you know, spending of money to build a church, spending of money to build or, you know, to have public meetings, right, it is not only that, so when we look at accomplishments of God's objectives, right, we look at it as a kingdom of God, establishing of righteousness, establishing of justice, establishing of peace, right, so biblical stewardship comprises of that, let me, it's the use, it's the right use of God's resources, God-given resources and a steward, you know, what, when you look at the word of God, you see that a steward, the Lord Jesus says, a steward is expected to be faithful, okay, so faithfulness and faithfulness in the little things, right, if one is not faithful in the small things, if one is not faithful in the hundreds and the fifties, you know, then one will not be faithful in the 100,000 or the 50,000s, right, so one is expected to be faithful in the small things, so that God can entrust the true riches, that God can entrust the bigger things, right, so one is expected to be faithful, the good steward also protects, is not wasteful, but he protects, okay, so the steward is faithful, the steward protects, the steward also enlarges, okay, we see in the parable of the talents where we see that the Lord is actually asking, you know, what did you do with, you know, talent, actually that word there refers to the currency of those times, right, measure of wealth or currency, so it's, you know, we've applied it to, you know, talents and abilities, maybe, okay, do you have this, what has God gifted you with, right, there's nothing wrong in applying in those ways also that God has given us something and we are called to be faithful with it, we are called to use it, utilize it so that it can, you know, become bigger, better and so on, so if you look at the parable, it's about finances, so God gives us the wealth and at the end of it you see that the steward is expected to do something with it, expected to do it and the Lord commends the steward who does something with it, right, who uses it rightfully, who engages, I mean uses it rightfully so that it multiplies, right, so we see that, you know, these are all that are expected of us to be faithful, to be not to be wasteful, to protect, to even invest and it, you know, with all this is the God's objectives, okay, what is the accomplishment of his objectives, you know, with this, so when you look at our own lives, we see, okay, God, what is it, right, when you're seeking first His kingdom, you're seeking first His rule and reign over our lives and then His plan and purpose, Lord, what can I, this involves us also, right, so many times we don't involve, include ourselves, we think, okay, it is, you know, it can be, how can I be selfish, you know, everything needs to be, you know, given away, how can I be selfish, but that's, that's not how God sees it, first Timothy 6 or 17, very clear that God is the one who gives us richly all things, as a father gives to a child, as a parent gives to the children, he's the one who gives us richly all things to enjoy, but our trust is not in those uncertain riches, we trust in God, our trust is not to be in those riches, right, so a steward is, holds these things likely, holds the finances likely, you know, he's an instrument, he or she is an instrument of God's finances to just flow in and flow out through their lives, okay, so, so that is the thing, so, you know, which means that our entire life, whatever money comes in, comes out, you know, if we treat it that way, I'm saying, okay, God, you know, these are things that these are the needs, and these are, you know, and the Bible talks about that, Matthew 6 talks about how God knows our needs, so there's nothing wrong in spending on our needs, but also to go beyond that, right, and to be faithful, and not to be wasteful, and to make sure there's something good comes of it to be utilized for his kingdom, okay, so God would call each one of us to, you know, maybe do in a specific area, you know, in a certain endeavor and something that he's planned for us, so we can do that as individuals, as families, like to seek him and say, okay, God, you know, in what way can I help in your kingdom, right, okay, so may the Lord enable us to expand our scope, right, like I said, it's not just not just building a church or a church project, it's much beyond that, okay, okay, so then the second thing that we're going to look at is financial planning, okay, so since we, you know, God, God is a God of plan, okay, God is a God of order, you know, his plans or his counsel stand till the end, so God is a God, it's not, you know, unscriptural to plan, okay, and we look at, you know, another subject and I'm sure other subjects that you will see that it is not unscriptural to plan, so you know, the thing is that when we plan to include God, we plan to be led by the spirit, that's the important thing, and so to include God in our planning, so also when it comes to finances or, you know, there are different needs, there are these, you know, there's this resource that I have, there's this money, there are these materials, things that I have, now how do I use it in order to meet these needs, right, so I need to plan, how do I use it, you know, if I have 1000 rupees in my hand, so how do I, how can I use it to, you know, fulfill these needs, so which mean it requires allocation, okay, which means we do it, right, okay, I'm going to do this for my, whatever, you know, if you're a student, you know, you will say okay, I'm going to use this for my, for eating out, I'm going to use this for, you know, for buying my toiletries and, you know, cosmetics, whatever, I'm going to use this for noting, I'm going to use this for, you know, for a bus pass or commute from one place to another, so we plan it, right, we, the thing is, we need to, maybe some of us don't, right, we don't even think on those terms, so we need to plan, okay, there's nothing wrong in planning, so when it comes to, you know, finances, God is not against us planning and utilizing, okay, so some practical things to look at is, you know, even as we, maybe, start earning or receiving, you know, money to be used for, you know, practical needs, now these are some things that will come up, okay, if there is a, you know, gross income, then there will be the tithes, there will be the tax, so these are different heads, right, under which the money will be, you know, spent and first of all is, you know, our tithe and our offerings and what we are going to do with it in order to support God's kingdom, the work of God's kingdom and so on, so we start with that and then we go on to other things, you know, after deducting that, you know, tax is something which could be deducted at source in the sense if you're employed, the organization, the employer will deduct the tax and then pay it on your behalf, right, so it is tax is deducted at source, okay, so then, you know, you have the freedom with the tithes and offerings and then, so this is roughly, you know, how it could go, these percentages which are mentioned here, so a third of it would go into accommodation or housing, right, so for your stay, so a third of it would go and then the rest of it would, you know, if you see those different heads there, where there is, you know, different categories there, there is food, there is auto, meaning your travel or commute or vehicle maintenance, then there's insurance, you know, debt in the sense if there is a loan or repayment of it, then there's entertainment, clothing, you know, if there is savings, then there could be medical expenditure and, you know, if there are children, then, you know, childcare and school, education and so on, right, and if there are, you know, further on, if there are investments, right, so this is roughly, you know, a working or workable breakup, you know, this is, this is a suggestion, but when it comes to housing, this or rent, you know, they say that if it is, or, you know, housing food and housing food clothing and also travel and commute, you know, what you spend on vehicles and so on, then if that goes beyond 70%, okay, if it goes beyond 70%, then it becomes difficult to actually sustain, right, so the thing is to make sure that it's, you know, see now our income or where we are financially is not going to remain the same, right, even as we trust God, even as we work, even as we employ all these principles of, you know, financial prosperity, you know, we're not going to stay in that same place, God will take us from one level to another level, right, so we don't have to be fearful and afraid, you know, of what will happen, you know, will I ever be in a comfortable place, right, will I ever be in a place where I can be a blessing to others or will I be in a place where I can maybe enjoy these blessings for myself, God will take us, God will take us from where we are to where we need to be, so we don't have to be fearful, right, so God will take us, the thing is to, during that process, the thing is to keep these things in mind, okay, so which means that we need to have, it is good to have a budget, okay, it's good to have a budget, it's good to rack what are those things that we are spending money on, okay, I don't know, maybe you, some of us are there who would write down, okay, this month this is what I spent on, you know, this is the money I got, I received, and this is what I spent on, I spent so much on food, I spent so much on, I bought this, I bought that, you know, some of us may be very, very disciplined in that, but some of us could be like, I don't know where it went, you know, I got so much, the beginning of the month, but the end of the month, I have no clue, no idea how I spent, where I spent it, you know, at least now if you're using Google Pay or you know, things like that, you have a track, right, you have a statement, if you're using, you know, money digitally, at least you can go back and look at the statement and say, okay, oh, this is where it went, and no wonder, you know, there's nothing left, I used to do on Swiggy, I used to do on this, you know, no wonder there's so much, so little left at the end of the month, right, so you can at least track, okay, the thing is to have a budget, okay, so when we have a budget, some people say, okay, does that mean that you don't have faith in God, that God will not provide, but it's not that, a budget is to just to help us plan in advance where we can spend, look at it that way, you know, if you can, you know, if you can look at budget as something where I can cut down on wasteful expenditure, okay, I'm spending too, maybe I'm spending this money on this, you know, and it's something that I can cut down on, right, it is unnecessary, it is wasteful, or maybe I can, I can, you know, reduce it and use it elsewhere, you know, things like maybe there's too much on entertainment and too much on, you know, maybe eating out, maybe too much on clothing, right, well, I can always change it, I can say, okay, let me adjust it, I know I don't have to do that, right, so a planning and, you know, a budget will really help, it helps to see, okay, this is how much, where I'm spending, I'm spending so much on, right, I'm spending so much on this, it'll help us to plan, it'll help us to cut down on wasteful things so you can spend on what is necessary, okay, okay, so far everything's okay, so financial planning, financial stewardship, okay, so it's good to have financial goals as well, okay, financial goals, where we trust God and we say, okay, Lord, you know, I'm maybe a financial goal could be maybe buying a vehicle, right, why are we, you know, I say, okay, why do you need one, well, well, let's say your income is at a place where you can afford to maybe buy a bike, maybe maintain one, right, so we can always buy a bike or a car, right, there are loans and all that and some of you can get one, but the challenging part is to maintain it, is to, you know, run it as in you need to have fuel for it, right, so that's the thing, so if you're at a place, if you're at a place where we can afford to buy a vehicle, for to run a vehicle, maintain it, okay, so we plan ahead, okay, what is that goal, what are some things that I can, you know, it's actually a statement of faith by saying, okay, God, you know, by this page in life, you know, in so many years or in so many months, God, I need to be able to, you know, you know, use or buy this, so what do I need to do, right, in terms of work, in terms of maybe saving, spending, right, what is it that I can change to reach that goal, okay, so there are those some things to keep in mind when it comes to, again, financial stewardship and planning, so what are some financial goals, it could be about housing, it could be about maybe you reach a stage where you're thinking, okay, maybe we can, you know, buy a house, you know, it seems like too much now, but then maybe, you know, 10 years from now or 15 years from now, you know, we'd like to do that or come to a place of, you know, owning something, okay, so these are financial goals which we carefully consider and do it, right, so it can be in the area of individual things, but also in terms of ministry or church, you know, can have some financial goals, okay, but we are primarily talking about personal, right, personal financial goals, okay, then also, you know, when it comes to financial stewardship, we can think about our lifestyle, okay, well, you know, what is the correct Christian lifestyle when it comes to money, right, the Bible doesn't talk about it, the Bible, in the Word of God, we see people who, you know, who are rich, who used finances, we see people who are, you know, business people, we see heads of state, we see all kinds of people there, so, well, the Bible does not really say that this is how much, you know, of course, it talks about offering to God, it talks about worshiping God without finances, but it doesn't say this is the kind of lifestyle you should have, so we decide, right, we choose, we say, okay, as long as it's not extravagant, as long as it's not selfish, selfish, you know, only for myself and not considering others, right, as long as it's within biblical principles, we choose, we decide, we have the freedom, right, if you look at Matthew 25, 21, okay, let's feel free if you have any questions on this or any thoughts that you want to add to, let's look at Matthew 25, it was 21, it's about the parable of the talents, right, you see this, so it says, well done, good and faithful servant, you are faithful over a few things, I will make you ruler over many things, enter into the joy of your Lord, okay, so when it comes to lifestyle, when it comes to, you know, faithfulness, well, that's the criteria, right, am I being faithful in what God has asked me to, am I faithfully spending it, faithful in spending, faithful in utilizing, okay, so these are things that we need to look at rather than, okay, I'm spending, you know, what will the other person say, you know, sometimes we live our lives out of fear, fear of man, right, fear of man saying, okay, what will they think, oh, I need to and my family, you know, let's say you're in ministry and then you want to take your family out, so, you know, the thing is, what will they think, you know, they'll think that, okay, you know, this pastor, this evangelist is doing this, you know, what will they think, you know, that kind of question, so the thing is, you know, what we God think, right, forget about the first question is accountability to God, right, so that's the thing, so the life, when it comes to lifestyle also, you know, is it, you know, is it something that I'm wasting, is it something that I'm just spending it on my own pleasures and everything, but just ask that question, right, so we see it's very, very relative, it changes, right, maybe, you know, in a city, it could be very, very different or it's a thing, you know, it's about where God has placed and how much he has blessed in terms of things, in terms of income and so on, so we need to consider all that. If you look at Philippians 4 and verse 11, okay, Paul writes something very, very practical and it's wise, he says, not that I speak in regard to need, but I have learned in whatever state I am to be content, okay, I know how to be abased, I don't know how to abound, everywhere in all things I've learned both to be full and to be hungry, both to abound and to suffer need, okay, so he says that I've learned this, you know, I've learned to be content, okay, did somebody put their hand up, okay, I don't see anything, just thought I heard, okay, so he says, I know I, in whatever state I am, I am content, okay, so we see that contentment, godliness with contentment is great gain, okay, and the state of contentment is something which is so valuable, which is something so precious, right, so when it comes to our lifestyle, are we content, right, so Paul says, I know, you know, whatever state I am to be content, and he says, I can do all things through Christ to strengthen me, so it is in that context of knowing that, okay, I know how to be when there's nothing or when I know I'll be fine, even when there are things, so material things don't have a hold on me is what he's saying, you know, I can be content and I can do all things through Christ who strengthens me, so that's the context, right, so that's something for us to consider when we're considering a lifestyle, what kind of lifestyle should we have, you know, contentment is something that needs to be at the core of it, right, and with that, then, you know, money won't have a hold on you, okay, money won't have a hold on us, you won't be dictated by money, but rather we will, we will plan, we will allocate and we will take the upper hand when it comes to money, okay, okay, so we go on to the next one, okay, what about borrowing, is it okay to borrow, is it okay to take a loan, what do you think, anyone, is it okay to borrow, is it okay to take a loan, what do you think the Bible says, is it sin to borrow, everybody's quiet, okay, let me ask you people, Anand, what do you think, is it okay to borrow, is it okay to take a loan to buy a vehicle, range it over, okay, Nina says not a sin, but maybe better to avoid, okay, it can lead us to sin, maybe depend on the context, okay, Shokma says okay to take loan, okay, okay, anyone else, okay, so not a sin, but maybe to avoid, it can lead us to sin in the sense, yeah, you can get into a pattern, of borrowing and going from one, you know, one, let's say, one loan to another loan and it can actually lead us heavily into debt, okay, so one thing about loans is that we need to understand that while it's great to apply and get and to be sanctioned alone, we need to understand that we need to pay back, right, loans, when you're earning, people come and especially credit cards and all those things, we need one thing we need to understand that loans need to be paid back and it needs to be paid back in interest, with an interest, right, so we need to okay, just think about that and then we will meet in the next class and probably next class will be our concluding session, let's see, okay, fine, thank you, right, you guys have a great weekend, God bless, bye-bye.