Faith Has Its Seasons V, The Season Of Financial Stress

I want to follow along today as we move into this subject. Just to introduce us this morning, I wanted to take you back 20 plus years to some days I had in seminary when Carol and I were out in Pasadena, California at Fuller Seminary working our way through a three-year master's program to get ready to do church work, which by the way, doesn't really happen in seminary. They teach a lot about theology, but not a lot about leading churches. And we had a great time out there, but one thing we didn't have was any money. In fact, any monies that we made was going toward paying our tuition and our living expenses. Carol had a full-time job, I had a part-time job. We were just doing everything we could to make ends meet. So along the way, I took up a little hobby, a very inexpensive one, of playing a particular game. If we'll dim the lights, guys, maybe some of you would recognize it. To guide your people into freedom, and I pray it would be so, Lord, that you'd break through the chains that would hold any of us today in this area. Give us the liberty to receive it, for I ask it in the name of Jesus, and all God's people said, or as Chris said last week, all God's people said, all right, got to remember that. Remember, it was one of these, so we're going to use that. All right, look at the text on your notes, let's read it together, John 8, 34-36. I tell you the truth, read it with me, I tell you the truth, everyone who sins is a slave to sin. Now, a slave has no permanent place in the family, but a son belongs to it forever. So if the Son sets you free, you will be, you will be, or as one translation says, you will be free in every way, including financially. We believe Jesus came to set us free spiritually, amen? We believe Jesus came to set us free from sin, from fear, from death, but friends, the truth is that many of us are not free financially. I'm looking into the eyes of many people who right now are very uptight about your financial condition. In fact, it's the source of great stress in many marriages. The number one source of stress, experts tell us, in marriages is financial disagreement. USA Today, interestingly enough, this past Friday, just two days ago, their editorial page, Two Easy Bankruptcy Laws Give Abusers a Free Ride, a lot of interesting little tidbits in this editorial. But you may not know this, I didn't know how serious it had become, but one million U.S. households are going to declare bankruptcy this year alone. That's eight times as bad as it was in the Great Depression, and three times as bad as it was in 1980. It basically says that the stigma has been taken away from debt and bankruptcy. Well, I want to see what God has to say about that, because I believe there's another side of this story, and we're going to look in a very practical way at some of the fundamentals of money management. I want to say I see a lot of younger people here today, which I'm grateful for. Those of you in your teens and twenties, if you take good notes today and do what I'm going to recommend that you do, I promise you, you'll come back and love me in about 20 years, if you don't love me now. Because what I'm going to show you today will help you chart a course that will keep your life free from a lot of entanglements. Those of you in the middle of life, you've got these kids around you. These things will help you. And even those of you who are farther along, it's not too late to do things God's way. Let's look, first of all, then, at the problem of financial freedom. What gets in the way of being free? Well, friends, in one word, it's simply debt. Debt is the reason why we're not financially free. And I have to tell you, we as Americans are in the highest level of debt of any nation in the world, by far. The average credit card debt in America is $3,300 per household, just on credit cards. Not including automobile loans and special consumer loans and mortgages. Just on your credit cards, the average, $3,300 per household. And interestingly, in the USA Today article that I just quoted, when people were asked, well, how did you get into this bankrupt condition? How did you get there? A visa survey found only 15% of bankruptcy filers were citing job problems. In other words, I lost my job, I'm going bankrupt. Only 17% cited problems of health and 12% of divorce. Instead, the top reason cited by 29%, almost twice as much as any other, is that they were overextended. You know what that means? Can I translate that for you? They spent too much. They just went out and went crazy spending money. 6% simply said they can't stand bill collectors. Are there 100% of us that would agree with that? We have this pension, you see, to spend. And as it says here, when you borrow money, you become the slave of the lender. The borrower is the slave of the lender. Let me give you five ways that you get enslaved when you go into debt. Jot these down. This will really help you. Five characteristics of debt. Number one, debt creates in you a pressure to always have to earn money. When you're in debt, friends, and the person you owe money to says, pay up, you say, okay. And if you're not ready to pay, they turn the pressure on. So the pressure's always on you to be able to earn money. Remember about, what was it, seven or eight months ago, the government was going to shut down. When was that? Wasn't that last spring? I think it was. How many remember that? Okay. Still here. Do you remember on the news how they'd interview people in the Pentagon, all the workers in civil service, and they'd say, if we miss our paycheck, they're going to repossess this and take that? Well, why? Because so many people, you see, were living on the brink. To miss one paycheck to them meant that their whole life would be turned upside down. A financial planner tells us to have six months worth of regular salary income in savings. That's what they recommend. Very few of us have that, if any. But we should have certainly more than none at all. What would happen in your life if you missed one paycheck? Would you suddenly be thrown into turmoil? Would your life go upside down? Would you feel intense pressure? Chances are, many of us would. I was in a restaurant just a few weeks ago, and a North Way person waited on me. It was a late evening kind of deal, some dessert and coffee. And I was surprised to see him there. I said, well, this is kind of late to be out at a job, isn't it? And they said, well, this is my third job. I said, your third job? He said, yeah. I said, we're just in a lot of debt, and I've got to help get out. I mean, that's a lot of pressure, isn't it? Debt puts you under pressure. Number two, debt undermines your joy. I mean, it becomes very difficult to really relax and enjoy life, when in the back of your mind, all along, you're thinking, I owe. I owe. It's off to work I go, right? You owe money. You owe lots of money. And so it's very hard to go out and enjoy a nice dinner, or a weekend away, or even a vacation, when you're thinking, I should be putting this money to paying off that debt. And it's doubly hard if you're taking credit cards, which you're going to add on to, to increase your debt. God wants us to enjoy life, and there are times for us. I'm going to talk about that in just a moment. But when you're in deep debt, it's very hard to enjoy anything. Number three, it erodes our giving opportunities. What do I mean by that? Well, friends, if you would have the privilege of standing up here that I do, one thing you'd notice, during every service, when it comes time for the offering, there are a lot of people who start to just look around, and just sort of get nervous. And you know what it is? They want to be able to give something, but they don't have anything to give. And they live in this tension of feeling like God's tugging at their hearts to give, and they look at the reality that they're so far in debt, that if they give to the Lord, that they feel like, well, it's just going to pull me farther under. And that's a terrible place to be. You know, in just a few weeks, we're going to start putting our Christmas boxes up here, that we send to Bosnia, and other orphan children, and countries around the world. And some of you will be very saddened, because you'll come and see these boxes, and realize you don't even have the capacity to give just a few dollars to make a difference in an orphan's life. That's a sad thing. On the other hand, it's a wonderful thing to be free enough to meet a need when it comes up, and not even have to have some big tax write-off, just to be free to give it. Like the good Samaritan. You know, what a story that is. We look at him, and we say, the good Samaritan, what a guy. He helped a Jew, and Jews and Samaritans didn't get along then, they don't now, they didn't then. And we look at it, and there's lessons there of compassion and mercy. But you know, there's also a lesson about the fact that the good Samaritan must have been a good financial manager. Because not only did he kneel down and bind up the wounds of this beaten up Jew, but he also took him, it says, to a hotel, and told the proprietor of the hotel, listen, watch out for this guy, take care of him for a couple of days, and put it all on my tab. And when I come back through town, I'll pay for it. Now friends, that's financial freedom. And I want to submit to you, he had that freedom, because somehow he'd managed well. It's a great thing when you have the liberty to be able to give when the spirit prompts, because you've done the things that we're going to look at here today to get your house in order. Number four, this one's not going to be easy. It caused me pain when I realized it, it'll probably cause you some too. The fourth characteristic of debt is that it unmasks or reveals character flaws. Friends, some debt is caused by accidents or injuries or misfortunes or some calamities. But most debt, most of it comes because we just spend too much money. We buy too much. And it's so easy to spend, isn't it? I mean, it is so easy these days to spend money. We're bombarded 3,000 images a day. Spend money, spend money, spend money, spend money. That's what we get. And computer people tell me, in just a few years, you'll be able to just scan just myriads of choices of things that you can buy right over your screen and have it delivered to your home that same day. Imagine that. I want this 97-inch television in my house. Press on, press the click button, and in six hours, the truck pulls up. I mean, that's how it's going to be. And it's so easy to get upside down because if your character is such that you cannot say no, you just find yourself getting pulled into this. I mean, it just... Even today, I mean, I just saw an advertisement. I guess it was last night. Furniture stores are great at this. Buy such and such furniture from such and such a place and no payments until 1998, right? No interest, nothing. Then you get the agreement. You buy the furniture. The agreement says, you know, starting in January 1998, you're going to pay 22% interest. And if you haven't saved up for that furniture and you start paying 22% interest, you get into a deep hole real quickly, especially if you deal with a couple of things. It's so easy to get caught up in that. And you see, our character is the issue because it's character that says, as Paul says in Philippians 4, I have learned the secret of contentment. Contentment. How to be content. There's one little word. It's a different word, a word that most Americans don't know how to say. It's the word enough. I've had enough. I have enough. I don't need anymore. I don't have to have that. You know, it's a victory for some of us to walk into the mall with a mission to get one thing and walk by all those other stores and come out and say, man, I didn't have to get that thing I saw in Eddie Bauer and that thing at the, you know, the Victoria's Secret and that thing at the Pier 1 and all those, whatever it is. Okay? I mean, I made it out. It's so difficult. You see, it's a character thing. Some of us need to learn patience in our character. It isn't that God doesn't want you to have things, and we're going to talk about that, but some of us say, God, you know, I need this thing, and, you know, I need it, like, I need it by 6 p.m. And our character, we haven't learned patience. Friends, if you need reminded how much God cares about you and your needs, there's an interesting passage. Don't turn there, but I didn't put on your outline. Mark it down next to number 4. It's 2 Samuel 12, and it's the story about King David, who the Bible says was very blessed by God. In fact, he was given control over all of Israel and all its stuff. And when Nathan the prophet found him out, remember, Nathan went to him and said, you know, David, God has seen what you've done. Remember what David had done? He'd had all these wives and the whole thing, and he saw Bathsheba over there taking a bath on the top of this house, and he lusted after her and took her into his house and then had her wife, I'm sorry, her husband killed in battle. And God points the finger at him and says, you know, I've seen what you've done. And then Nathan goes on to say in a very powerful, poignant little passage, you've got to look it up, 2 Samuel 12. He said, you know, I gave you your master's house, speaking of Saul, and I gave even your master's wives into your arms. I gave you the house of Israel and Judah, and if all of this had been too little, I would have given you even more. God loves His people so much, He'll always give them what they need. And He'll give them even more if they learn contentment, if they learn to trust Him. And when I am tempted to take things into my own hands and help God along, you know, I remember that verse and I remember that story, and I say, Lord, let me just wait. I get tempted just like you do. Friends, I get these catalogs. How many of you are getting catalogs? Like 10 a day. I mean, this is good fireplace material, right? But everybody wants you to buy their stuff. It's all over. We've got to learn to say, I have enough. I don't have to have that. Number five. Debt imperils our Christian witness. Debt imperils our Christian witness. 1 Timothy 3, 7. Speaking of a leader in a church says, A Christian leader must also have a good reputation with outsiders so that he will not fall into disgrace and into the devil's trap. In other words, if you're avoiding your creditors, if you're ducking your payments, you get a bad reputation. And that ruins your witness. Forget taking the time to witness to the guy that's coming to your house to collect on a bill. Can I just tell you about Jesus while you're here? I don't have any money to pay. Forget that. And one of the things that just kind of compels me to want us to be faithful as a church to continue to meet our short-term obligations is that I believe we need to maintain a witness in this community that this church can be counted on. I don't want to stand up and sing, All sufficient one. But by the way, we can't pay you. I'm going to go, that's a contradiction. We need to keep our witness pure by staying out of debt that we cannot handle. Now, again, I want to say quickly here, all debt is not wrong. There's some debt that's appropriate. Debt, I think, primarily for appreciating investments such as your home and perhaps like a business venture or whatever. But friends, we need to be very careful because this thing can rise so quickly. And you need to know how to stay clear of it. So let me move on and talk about how we can get into financial freedom. And this opens up such a topic. I mean, I could talk to you today about, first, without even getting into detail about stewardship, I could talk to you about the fact that God is the owner of everything. And you don't believe that yet. Most of us don't believe that. And yet the Bible says clearly, He owns it all. I mean, He just gives us so much to watch out for. A person said to me, Hey, listen, I earned it. What do you mean God owns it? I work for it. Did you know that it says in Deuteronomy that it's God that gives you the power to gain wealth? And if you happen to be here today rather fat and happy and successful, may I just assure you that God was the one who blessed you, sir. God has given you the power to get wealth. And if you think not, I just want to lovingly admonish you, don't defy the Lord, because in a moment you could lose it. How many know in a moment you could lose it? And if you don't lose your business, you could lose your health. If you don't lose your health, you could lose your reputation. It's God who gives us that ability. And I could talk in terms of stewardship about what it means to be a disciple. A disciple is the one who follows the Lord, not just in spiritual matters, but in all real life matters, like relationships and politics and ethics and even money. And I could talk about stewardship as a prerequisite for spiritual leadership. We're going to have a leadership retreat this coming Friday and Saturday. And friends, the Bible is very clear. If you can't handle your money in a God-honoring way, He won't give you people, because money is a whole lot easier to handle than people. Have you found that to be true? Why? Because money just sits there in a stack or, you know, in a couple of them. And you just handle it. But people are all over the place. God says stewardship fundamentally starts with finances, then grows to people. But I just want to look at what God says is a plan, Roman numeral II, to gain financial freedom. Very basic plan. Again, young people, write this down, please. It will help you. And what you have to do is see things in a very simple plan that if I had a financial planner like Larry Burkett up here or one of those names you might recognize, he would say, that's right. And that plan is a very simple plan called the 10-10-80 plan. Write it down. The 10-10-80 plan. And it's based on the premise that you write two checks, first of all, out of every paycheck to two separate entities before you do anything else. Let me talk about those. The first one that you write a check to, first thing is you write your first check to the Lord. Flip your page over. Your first check is to the Lord. You give the first 10% of your income to the Lord. The Bible says, look at it, honor the Lord by giving Him the last part of whatever's left over of your check. Is that what it says? How many of us do that? We have a pension for just, well, you know, if I pay God first, I'm not going to have enough left to pay the gas bill or electric bill or whatever. The Bible says, pay God first. We haven't had a practice in our home for 25 years. The first check that Carol and I write, it's the tithe check. It's first. You say, Lord, we're going to give you the tithe. Now, the tithe, as I've said many, many times from this platform, is defined as 10%. You say, 10%. Now, for some people, 10% is, well, no big deal. For some of you who've grown up in some particular kinds of religious traditions, 10%, you mean $10, don't you? No, I mean 10% of your gross income. That's my thing. Now, some people say it's net. I think it's your gross. 10%. Write the check. 10%. You say, well, why is it 10%? I don't know. When I get to heaven, I'm going to ask them, well, why is it 10%? What if it had been 50%? Would you be kicked off? What would you do? Say, well, I'm not paying it then? If he's God, what if he said 90%? He's God. He just said 10%. I think I get a good deal here. 10%. Give it to him first. And look what it says. Bring the whole tithe into the storehouse. What's the storehouse? Well, every commentator I can find, including everyone on the radio and everyone that even from centuries ago believes that the storehouse is the place where you find your local care and support and feeding, i.e., your local church family. And this is where some people stumble over this. Well, I'd like to spread mine around, and I give part of my tithe to World Vision and part of my tithe to Focus on the Family and part of my tithe here, and I give North Way part of my tithe. Well, friend, it's not me that's saying this. You have to work that out with the Lord, but the storehouse is not Focus on the Family. And James Dobson will tell you that. If you want to give above your tithe to James Dobson, he'll be happy to take it. But you see, the reason that is is because God wants the local church to be equipped to grow and expand its ministries and serve its community. And look what the Lord says. Bring it into the storehouse. And then he says these incredible words. He says, Test me and see if I don't bless you. See if I don't throw open the floodgates of heaven. By the way, it's the only time in the Bible when God says, Test me right here. I don't know what that does to you, but I personally would never want to test God. I don't think God, you know, come on. He says, test him. What does he mean by that? He simply means, You try this, and if it doesn't work, bail out. That's how much he believes. And I want to say today, friends, if you've never tried giving your first 10% to the Lord, try it. Don't just try it for one week. All right, I'll try it today, and if I don't get more than my return tomorrow, I'm bailing out. Well, it has to do with the lifestyle. And walk with God for some weeks and some months, and then watch what he begins to do in your life. And you know what? I'll tell you something. In my 30 years of ministry, I've never met a former tither. Because once you begin to tithe, you see the blessing that it is on your entire life. I hope that you're hearing me. Young people, you know, you might have a little part-time job and you make $30 a week, tithe to the Lord. You might be here today, and you're just rolling in the commission checks, and you're making $3,000 a day. Tithe to the Lord. Honor God. And if you're not doing that, begin today. Set your course to do it. You say, well, I can't do it today. Well, start today. Begin to move that way, and by the first of the year, by God's grace, you can do it. For those of you who say, well, it's not in the New Testament. Every time I do this, someone says, it's not in the New Testament, not in the New Testament. Well, first of all, Jesus said, I wrote it down, Matthew 23, 23. Yes, He said, you should have tithed, and also done the things that make for mercy and justice. But also say this, if the law of the Old Testament was a tithe, friends, how could grace be less? So, you know, it's a starting point. For me, it's a starting point. It's a minimum. Now, the second entity you need to give to, you'll like this one, is you. Turn to someone and say, it's you. I'm supposed to give to you. No. Give to yourself. The second 10% is to give to you. Lord, here's your 10%, and then your second check should be into some kind of long-term saving instrument. Something, and I'm not talking about, you know, giving yourself, you know, writing a check and putting all that cash in your wallet and going out and spending it on a stereo system or whatever. I'm talking about saving in a long-term fashion so you can build a foundation upon which to draw as need arises. A long-term savings plan. And if you would do that on a regular basis, it's amazing how quickly that begins to grow. When you go from the place where you're working for your money to where your money's working for you, it's a major turning point in your life. Sadly, very few in America do that. I think 2.2% is the savings rate in America. I mean, it's lower than almost any other industrialized nation. And the third place to give, of course, the 80%, goes to everybody else. Give it to the car people and then, you know, buy clothes with it and go out and have a good time with it. In fact, enjoy life with it. If you're keeping the 10-10-80 rule, that 80% becomes liberty to you. You know, get two corn dogs at the Friday night football game. Do whatever. I mean, get the huge tub of popcorn when you go to the movies. Don't get the little chintzy one. But splurge. Because you've done... And if you're working this plan... Let me show you. Nancy and I are going to try to put up this overhead. Here's what would happen if you followed this little 10-10-80 plan. Let's try it, Nancy. If your income is $15,000 a year for the next 20 years, steady income, no raises, no bonuses, you would give to the Lord in those 20 years... You're doing it. There you go. There you go. $30,000. $30,000. That is a lot of money. If you care about the needs of people and the gospel going out, that is a lot of money, wouldn't you say? I mean at $15,000 a year. And look how much you'd save. If you invested in about a 9.5% saving instrument, you could make that much money. Here's the tough part. We're going to do it again now for the next level. $30,000 a year. Over the next 20 years, no raises, no bonuses, you would give $60,000 to the kingdom. Now, friends, I challenge some of you to flip back over your bank slips for the last 20 years. Have you given that much money? And many of us make a lot more than $30,000. Look how much you could save. $170,000. Say you started making that $30,000 when you were maybe 30 years old. By the time you were 50, you'd have a nest egg of $170,000. And let's bump it up a little bit more. Let's say you're a little farther along in your career and you were making $60,000 a year for 20 years. No raises, no bonuses. You would have given $120,000 into your eternal bank account. And you would have saved... That's the math. That's the math. Now, my question is, how many of us are even close to that? And I hear tell us a few people make more than $60,000 a year. God's plan works. We simply need to work the plan. And I want to go on and say that God has planned for you to be prosperous. Just very quickly, Nancy's going to follow up a couple of overheads here. Write these scriptures down. First one is Psalm 112. This is particularly the bottom part of it, Nancy. It says this, As we learn to fear the Lord, our children will be mighty in the land, the generation of the upper will be blessed, wealth and riches will be in his house, and his righteousness will endure forever. Look at this proverb. Proverb 24, True humility and respect for the Lord lead a man to riches, honor, and long life. Friends, God wants you to enjoy prosperity. And I don't mean to indulge yourself, but I mean that he might demonstrate his goodness to you. And this one, Proverbs 10.23, The blessing of the Lord brings wealth, and no sorrow is added to it. Have you heard those reports? Recently there's been a study on people who've won the lottery. Something like 70% of them have said they wish they hadn't won because of the grief that it created in their families and their lives. Unbelievable, huh? That's what it is. 2 Corinthians 9.11, As God blesses you, you will be made rich in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God. He wants you to be able to be generous as people come in need or as God brings opportunity to give around. So, why is it then that we can't keep our plan? Because I'll tell you what, if you don't have a plan and you don't keep it, I can promise you this, the devil will come to steal, kill, and destroy. John 10.10 It takes discipline and character and courage to stick to it. Why can't we do it? Well, friends, basically we can't do it for one simple reason. We like to spend money. The only reason that many of us won't keep our plan is because we'll set out to do it, we'll get things in order, and something will come along and say to us very clearly, buy me. You need me. Your life will be improved. You'll be so much more popular if you drive me. You'll have people asking for your resume if you wear me, and whatever it might be. We have this insatiable urge to get stuff in our lives, things. Now, I'm not going to develop this in detail, but I just want to cover four or five kinds of spenders that we have here today. I'm not going to tell you what kind of spender I am, but Carol's on a retreat, I thought I'd tell you about what kind of spender she is. Let's stop the tape right here, John. Some of us are just flat-out impulsive spenders. We'll blow the plan because we can't help but spend money. We're the kind of people that will go into the store for a particular necessity. The other day, I went to one of the basic little chain, general kind of all-purpose stores for some spackle. You know the stuff you put on the walls? You got a hole in the wall? Spackle, $1.99, jar, whatever it is. And out of the corner of my eye, I see this little blue light. And so I wander over there. And here's this 14-horsepower wet-dry shop vac. You know, that will just suck every bit of dirt out of my garage. I don't even have a shop. But I look at this thing, and I say, this thing, this could really revolutionize my basement. You know, I could, I could, all that stuff that someone doesn't want to throw away, I could just, you know, just take it. And I was so tempted to spend that $59 or $69.95 for that thing, I had no need of. But I resisted. But I have to tell you, there have been lots of times I haven't resisted. You know, ever go into a department store, and you're going in to get one belt or something, and here's this suit, half price. You know, it's a $250 suit. You get it for $125. And so you go home and say, look, honey, I bought a suit, and I saved $125. Well, wait a minute. Look at your account. Is your savings count $125 higher? No. What? You spent $125, man. You might have just blown your budget plan. And that's how it happens for many of us, particularly if we're impulsive. The second kind of spender is a compulsive spender. This is a little more serious. This is someone who spends out of an unmet need in their heart. They're lonely. There's sadness there. They're medicating a hurt, so they go out and spend. They get up in the morning and say, you know, I'm sad. I'm going shopping today. And that's true, and it's an unfortunate thing. Other people are what we call boredom spenders. Do you know that malls are becoming destinations in America? I've been to the Mall of America up in Bloomington, Minnesota. Seven million square feet. Seven million square feet. Four stories high. Roller coasters inside. I mean, it's an unbelievable, it's a destination. People fly into it, spend a few days, and fly back out. I mean, they don't go in by plane, but I mean, they fly to, that's where they're going. They're going to the mall for vacation. Others are comparative spenders. And this starts when we're little. You know, we sit down and little Janie has a neat sweater that has this little emblem on it, and that's what I want to have. And you know what? How many of you know that that doesn't stop, ever? If you grow up and then you're in high school, man, that guy's got a pretty cool car, and I'm going to get a pretty cool car. And then you get to college and it gets up, and you know, and then they have this place to live, and you want that place to live. And you know what, friends? It never stops. We're always aware of what the other guy has. I just want to recommend just for the sake of some peace, forget what the other guy has. You don't need to know and it shouldn't matter in your life. It's a tough thing to do, but it breaks budgets all the time. And finally, the last one is what I call special interest spenders. That's some of us. A special interest spender is someone who does real well with their budget until they get into a particular kind of circumstance. You know, I know one guy who's really good about his budget until he goes to the mall and stops at the camera store. And then he finds this lens, you know, they can spot a flea at 400 yards, and so he buys this thing. There's people, I mean, there's people with computers like that. Every new thing on the computer, you've got to have that. Those people are in deep trouble, by the way, because it's, you know, it's a never-ending thing. Some people, it's big stuff like cars every year. Hey, well, you know, they're big. But, you know, it could be antiques, it could be jewelry, it could be furniture, it could be the ski shop. What is it for you? How many of you have something like that that, I mean, that's your soft spot the rest of your lives? Okay, I know that you all have it. Something you just, man, that's where I want to put my bucks. I was talking to a guy the other day, h