FULL JOY

The verse from Isaiah tells us that the Lord is the everlasting God, the creator of the ends of the earth. This means that God is all-powerful and has been around forever. He created everything, and he is still here today. Furthermore, what is more, he does not get tired or weary.

This means that God is always there for you, no matter what you go through. He never gets tired of helping you and never gives up on you. And his understanding is beyond human reach, which means he knows everything and can help you with anything.

First, remember that God is always with you, and he will never tire of helping you. You can talk to him anytime, anywhere, and he will listen.

Second, when you feel overwhelmed and tired, remember that God has endless strength and can help you. You do not have to do everything on your own.

Third, Trust that God's understanding is beyond human reach; he knows everything and can help you with anything.

Finally, remember that you are not alone, and God is always there for you. He created you, and he loves you. So, have faith in him and trust that he will guide you through everything.

YOU ARE A MIRACLE! LIVE LIFE ON PURPOSE.

As you can see, all these people have used the "I've got now, and you have next" mentality to achieve their goals. They did not wait for the perfect time or the perfect circumstances. They took action, and they made it happen. And that is what you can do too. You do not have to wait for the perfect time to work on your goals. You can start now and take it one day at a time.

Time for you to have a sense of urgency and take action.  

YOU ARE A MIRACLE! LIVE LIFE ON PURPOSE.

Before we start, I want to share a powerful quote with you. It is by Michael Jordan, and it goes like this: "I have missed more than 9,000 shots in my career. I have lost almost 300 games. Twenty-six times, I have been trusted to take the game-winning shot and missed. I have failed over and over and over again in my life. And that is why I succeed."

Now, you might think, "But I am not Michael Jordan! So how can I be like him?" Well, the truth is, you do not have to be Michael Jordan to be successful. You have to be dedicated, disciplined, and determined.

Let us start with dedication. Dedication is when you are passionate about something and are willing to put in the time and effort to make it happen. For example, let us say you love playing soccer. If you're dedicated to getting better at soccer, you will practice every day, even when you do not feel like it. You will watch videos of professional soccer players to learn new skills. You will even go to a camp during the summer to get extra training. That is dedication.

Next, let us talk about discipline. Discipline is when you do what you need to, even when you do not feel like it. For example, let us say you want to get better at math. If you are disciplined, you will do your math homework every night, even if you are tired or you would instead be playing video games. You will also study for your math tests, even if you are not in the mood. That is discipline.

Finally, let us talk about determination. Determination is when you do not give up, no matter how hard something is. For example, let us say you are learning how to swim. If you are determined, you will keep trying, even if you are scared or not very good at it. You will keep going to swimming lessons and practicing in the pool until you can swim across. That is determination.

So, now you might be wondering, "How can I apply all this to my life?" well, It is simple, pick something you love doing and practice it every day, even if you do not feel like it. Furthermore, keep going when things get complicated. Remember Michael Jordan's quote: "I have failed over and over and over again in my life. And that is why I succeed."

YOU ARE A MIRACLE. LIVE LIFE ON PURPOSE.

You may not realize it yet, but you have so much potential and opportunities ahead of you. Furthermore, the key to unlocking that potential is to find your "why."

Before we expound on today's show, let us introduce our power word.

ISAIAH 41:10

"So do not fear, for I am with you; do not be dismayed, for I am your God. I will strengthen and help you and uphold you with my righteous right hand."

God offers comfort when we need it the most. Be guided by Him because He knows what's best for you.

What's yours? Why?

Your "why" is the thing that drives you, the thing that makes you excited to wake up in the morning and tackle the day. It is the thing that makes you feel like you are making a difference in the world. And the best way to find your "why" is to take inventory of your life.

Here are four steps that will help you take inventory of your life and find your "why":

Step 1: Reflect on your interests and passions. What are the things that make you happy? What are the things that you enjoy doing? These are clues to what your "why" might be.

Step 2: Think about the people in your life. Who inspires you? Who do you look up to? What do they do that makes you want to be like them? These are also clues to what your "why" might be.

Step 3: Look at the world around you. What problems do you see that you want to solve? What causes do you care about? What kind of impact do you want to make on the world? These are essential clues to what your "why" might be.

Step 4: Take action. Once you have a sense of what your "why" might be, start taking steps to pursue it. This might mean volunteering for a cause you care about or starting a club or group to bring people with similar interests together.

The key is taking action and pursuing your dreams with laser focus.

Remember, finding your "why" is an ongoing process, and it may change over time, but the important thing is to start taking inventory of your life and pursuing your dreams.

Let us leave you with these two powerful motivational quotes you can use as a reference as you embark on your journey of pursuing your why and chasing your dreams.

YOU ARE A MIRACLE! LIVE LIFE ON PURPOSE. 

Remember that we are all blessed in some way, shape, or form. Sometimes we may not see it, but when we take a step back and look at the bigger picture, we realize that we have been blessed with many things.

We understand it is tricky to remain focused when each day of adulting can challenge us in many ways sometimes, but it is essential to remember that we all have things to be grateful for.

Here are three examples of how you can start feeling blessed and walking with your head held high today:

1. Make a list of things you are thankful for: Take a piece of paper and write down all the things you are grateful for, no matter how small they may seem. It could be as simple as having a cozy bed or a best friend. Reflecting on the things we are thankful for can help shift our focus from negative thoughts to positive ones.

2. Help someone else: When we help others, we often feel better about ourselves. You can help someone today by doing a small act of kindness, like paying for someone's gas or grocery.

3. Spend time outdoors: Going outside and connecting with nature is a great way to feel refreshed and appreciate the beauty of the world around us. You can walk around the neighborhood or head to your local park to read. Being outside can help you clear your head and feel grateful for the world we live in.

YOU ARE A MIRACLE. LIVE LIFE ON PURPOSE. 

Your Debt to Income Ratio is a way to measure how much debt you have compared to how much income you earn. It helps you understand if you are spending more money than you can afford. Here's an example: Let us say you make $100 a week and have $50 of debt. Your Debt to Income Ratio would be 50%.

Having a low Debt to Income Ratio is crucial because it means you are not spending too much on debt payments and have more money to save and spend on things you want. Ideally, you want your Debt to Income Ratio to be less than 36%.

Before we share some examples of how you can avoid spending too much money and keep your Debt to Income Ratio low:

Let us introduce our mind reset quote:

If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed." –Edmund Burke.

Here are four easy-to-follow examples you can implement today to increase your income and lower debt.

In addition to these practical tips, reading books on personal finance and budgeting can help you learn how to manage your money wisely.

YOU ARE A MIRACLE. LIVE LIFE ON PURPOSE!

Stump out debt!

One of the most important things you can do for your finances is to find ways to earn more. This can include getting a part-time job, starting a side hustle, or asking for a raise at your current job. Additionally, investing in your education and skills can lead to higher earning potential in the future.

Another critical aspect of managing your finances is spending wisely. This means being mindful of your spending habits and only buying the necessary things. Shopping around for the best deals and avoiding impulse purchases is also essential. Before making a purchase, ask yourself if you can genuinely afford it.

Saving money is also crucial in achieving your financial goals. It is essential to have an emergency fund for unexpected expenses and to start thinking about long-term savings for retirement or other significant expenses.

Lastly, it is essential to avoid borrowing money as much as possible. When you borrow money, you have to pay it back with interest, making it harder to get ahead financially. If you do not have the money to pay for something, try to save up for it or find a cheaper alternative.

Thanks for listening to this episode of the "Money Matters" podcast

Before proceeding, let us preface that we are not financial advisors and are not financially giving advice. We are instead sharing public information with hopes of encouraging.

Do you ever wonder why some people can afford the things they want and reach their goals while others struggle to get by?

Those who are financially free who share the key of having a high income and low and manageable debt

One of the main reasons is the Debt to Income ratio.

Earning more money and avoiding unnecessary consumer debt are two critical steps to building a solid financial foundation. We know that Debt is when you borrow money and have to pay it back, usually with interest.

We are not advising you to sacrifice your health or deep personal connection for money. Instead, we are encouraging you to devise a  system that will disallow depending on Debt or the temptation of seeking to borrow. Moreover, develop a find a need or problem to solve for an individual, which, as a result, will generate additional income through whichever service you choose to provide. Please don’t underestimate the power of a great idea.

When you have a lot of Debt, saving money and achieving your goals can be tricky. But with more income than Debt, you will be able to afford the things you want and make progress toward your goals.

Mindset Quote:

The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind." - T.T. Munger.

Stay Focus!

YOU ARE A MIRACLE! LIVE LIFE ON PURPOSE

An abundance mindset is essential because it can help you approach life positively and confidently. Because we are advancing to another level this season, let us keep our minds fixed on our goals and the confidence that we will achieve what you desire. Believe that there is plenty of good in the world; you are more likely to take action and make the most of what you have.

Here are four action steps you can take to start developing an abundance mindset:

Remember, having an abundance mindset is a choice. It is about believing that there is plenty of good in the world and that you have the power to create a fulfilling and meaningful life for yourself.

LIVE LIFE ON PURPOSE!

Today's show will explore three questions:

We'll dive deeper into these questions after a brief break. See you soon."

We asked, "What do you do when your back is against the wall?" and "How do you handle the pressure?" to encourage you to think about strategies for coping with adversity and finding solutions to problems. In addition, asking, "How often do you consider giving up when things get hard?" can help us reflect on our mindset and resilience when faced with challenges.

Here are three simple action steps that can help you overcome any challenge:

Step 1: Take a deep breath and try to calm down.

When faced with a challenge, feeling overwhelmed and stressed out is natural. However, taking a deep breath and trying to calm down can help us think more clearly and devise a plan.

"Be still, and know that I am God." - Psalm 46:10

Step 2: Break the challenge down into smaller pieces. Sometimes challenges can feel big and intimidating. However, if we break them down into smaller, more manageable pieces, it can be easier to tackle them one step at a time.

"I can do all things through him who strengthens me." - Philippians 4:13

Step 3: Seek help and support. You do not have to face challenges alone!

It is okay to ask for help or support from people you trust, like your parents, mentor, or friends. They can offer guidance, encouragement, and sometimes even practical solutions to help you overcome the challenge.

Ecclesiastes 4:9-10 New International Version (NIV)

Two are better than one because they have a good return for their labor: If either falls, one can help the other up. But pity anyone who falls and has no one to help them up.