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July 21, 2023 - Stew Peters Show
50:47
LIVE @5PM: Scriptures And Wallstreet- Protecting Your Retirement
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Thank you.
Patriots.
The harsh economic reality is that for millions and millions of Americans, especially working class aspirational strivers, they are seeing their standard of living, their quality of life plunge lower.
Especially in areas like housing, where so much of the benefits and so much of the attention and focus is going only to the high end.
Let me show you what I mean in a chalk talk.
New numbers out from Harvard University on apartment rental rates.
2015 to now in constant dollars adjusted for inflation.
Back then in 2015, the percentage of new apartments that cost $2,000 a month or more was 19%.
It has now nearly doubled.
Let's look at more affordable rates.
Under $1,050 a month.
Back then, 22% of new apartments.
Now, only 5%.
The reality, Patriots, is that working-class, middle-income Americans right now cannot afford quality, safe housing.
And this is an unaffordability crisis that we must fix.
Hey guys, Carlos Cortez here.
I hope you are doing well.
We have a really good episode today.
A really good conversation on protecting your retirement.
More than ever, we have to make changes to our retirement.
But before we get in to do anything that's said on this podcast...
It's not investment advice.
If you need investment advice, give us a call.
813-448-3446.
This podcast should be used for educational and entertainment purposes only.
Again, it's not investment advice.
So please don't call my office saying that I recommended a security or I recommended Bitcoin or some crazy investment.
I did not do that.
And so that's my disclosure.
Also, Felipe...
Agrees too.
This is my little guy here.
I love him.
He's actually 12.
He's very old for a doggy.
But he's very smart.
So I just wanted to introduce you guys to Felipe.
He's a half Shih Tzu, half Maltese.
Very good dog.
And just a really good protector, believe it or not.
He's an alpha male.
So funny.
Little dog syndrome for sure.
Alright buddy, I'll see you in a minute.
So just wanted to talk about your retirement today.
We're getting a lot of calls.
So just so you guys know, how I base my podcast is I base it on the calls that we receive because that gives me like a temperature, a gauge of what's really going on.
If I need to look into something, if there's some concerns or just...
Just my opinion, right?
Just my opinion on a hot topic, whether it's Trump or DeSantis or the CBDC or particular annuities or stocks or taxes.
Just my opinion.
And so that's what this podcast is.
I want it to be a resource for you guys.
I've always wanted it to be a resource for you guys on how to achieve success in retirement.
In a godly manner.
It's called Scriptures and Wall Street because the reason why is because I wanted to go to Wall Street but my dad was a pastor at a very young age.
The two didn't go hand in hand but what I learned is they actually do.
And so that's why this show is called Scriptures and Wall Street because there is no light on Wall Street.
There is pure evil and there's a lot of disgust on Wall Street.
And this show, this particular podcast, we want to expose that.
We want to talk about some of the truths.
And yes, I get attacked all the time.
Even by listeners.
Even by clients.
But I don't care.
Because this fundamental show is based on God's gospel.
On His message.
So, if He is for us, who can be against us, right?
So, with that being said, I want to just really talk real quick about protecting your retirement.
Guys, we had the Fed obviously messing around with interest rates again.
It's scary out there.
Home prices are dropping.
Bitcoin seems to be stuck at like 30,000.
And anytime it hits that 31,000 level, it tends to be shorted.
So that's pretty interesting there.
Also, one thing that's really striking to me as inflation does rise, and it is cooling off, you'll see the stock market go up.
And as inflation cools off, and last month we had the cooling off of inflation, they're going to use this to pump the stock market up.
And organically, it is true.
Inflation goes down, prices will still go up.
However, what the concern is is that income is not going up.
The wages are not going up.
And so you have apartments.
Steve Cortez...
As you just saw on the video, Steve Cortez does a good job of explaining that the income is just not keeping up with the affordability of everyday issues.
So if you look at the Consumer Price Index, it's almost a false number because what they do, guys, is they take out petroleum and petroleum food out of the Consumer Price Index, and then they calculate your Social Security.
Which is a false rate of inflation.
But if you look at the sector, look at used cars, look at foods, look at lumber, look at the actual consumer staples, what we truly, truly buy, you'll see that inflation is over 25-30% in different sectors.
This is why gas prices are just...
It is just, it's unpredictable.
Right now, gas, I looked at the chart on the futures, it's actually consolidated.
It's been around the same level for the past three to four months, which kind of scares me because in trading, in technical analysis, when you have a trading range, it's like a bouncy ball.
It'll hit support, resistance, support, resistance, support, resistance, and then boom, there's a breakout.
We just don't know if that breakout is going to be up or down.
But lately, the overall trend, it's gas and oil.
The futures contract is not an all-time low, but it is going less and less volatile, which screams to me that it's going to be more volatile.
So look for prices of gas, in my opinion, skyrocketing here shortly.
Protecting your retirement, guys.
Really want to focus on that because a lot of the calls that we got, and we're getting a ton of them, a lot of calls that we received this week was just really the risk.
People are beating their chest right now because they're starting to make their old money back.
And that's because they're taking the risk to do so.
They don't have a tactical money manager.
There's no standard deviation practices there.
They're not looking at it.
They're not doing scandalytics.
They're not really having a drawdown conversation.
So if you're in the stock market, if you're buying Chevron or Google or Apple or any other woke company, you are taking the risk of that company.
You are taking the full risk of the market.
And there are huge, huge banks that will take your money in the trading world.
Like, I had the opportunity to go to the Barclays Index and see these traders firsthand in Face Diaper City, New York City.
It was a dream of mine since I was a kid and since I became a stockbroker to visit some of the trading floors.
And I was able to do that two months ago, as you guys remember.
And these kids are all MIT grads, Harvard grads.
They're smarter in math than I would ever be, or probably 10 of us combined.
They're not normal, and these traders will literally, literally manipulate you And trade against you to steal your money.
Not just your money, but institutional money.
And these are institutions.
So you're going against these big banksters, right?
That literally can trade against you.
So the whole goal is finding an index where it's for you and not against you.
And so that's what we do here at Cortez Wealth.
We want to find indices that put your interest first, that actually puts the edge towards In your favor and not with the banks.
So if the investment companies screw up, you don't lose anything.
And your principal is protected from market risk, creditor risk, and all types of certain risks.
But if you don't know what I'm talking about, give us a call.
813-448-3446.
We want to get you in the green money space.
Now, the other point, I have five points on protecting your retirement.
So this, as you guys know, like, I... I don't have a canned message every single podcast.
I truly, truly get inspired.
I read my Bible.
I go out for a drive, go out for a walk, spend time with my kids, and really, really think about what I'm going to say every week, twice a week.
So that's why my shows are typically let...
Because I feel like a writer's block at times, right?
And I'm also in meetings all day and coaching my other consultants and just really looking at statements all day as well, just trying to advise and it gets a lot.
But I just want to be here for you guys and let you know that if there ever is a concern, I will be on here.
My studio is right next to my bedroom.
I did that on purpose so I could wake up at 2 o'clock in the morning, 3 o'clock in the morning at any time and really speak if there is a need for me to have a podcast or really have an opinion about what is going on.
You have my word.
I will discuss it.
You have my word.
So I just want to let you know to my audience that I'm here present.
And I will always be here as long as I have a brain to think.
And God just has me in His grace.
As long as I can, I will do this.
And as long as it's financially, if financially I can afford it, this show is not cheap.
That's why I have sponsors.
I told you guys that last year, the first year I self-sponsored my show, paid for everything.
For the greater good of you guys so that you can have a sensible place to get your information.
So the other thing is that podcasters that talk about money and gold and financial advising...
They're not licensed.
They don't have a business.
They don't even have financial experience.
So be very careful where you get your advice from due to the fact that they're just not in the business and they're literally just selling an ad space for you so that they can get their monthly check.
And I would be very careful on that because some of these ads It can be misrepresented or it can lead you in a wrong path.
The second major thing I wanted to talk about is obviously the number one is risk.
Number two is fees.
Look, I charge fees.
Typical advisor fee is 1% around there.
Maybe a little more if you have less.
Maybe a little less if you have more.
But yes, we charge fees.
Advisors charge fees.
You need to know what they are.
We're very transparent on it.
You sign off on it.
I mean, that's just the nature of the game.
We charge fees.
We don't work for free.
I don't run a non-for-profit.
We have a for-profit business.
But that's okay.
You want to know what those fees are and have that type of quality of investment.
And because of the fees, there should be drawdown protection.
So what that basically means is...
If the stock market is down 30%, can you get out at 15 or 10 or 7 or even 13?
It's not perfect.
It doesn't work all the time.
But there needs to be some type of drawdown protection if you are going to be in the stock market.
I'm not saying the stock market's terrible.
I'm not saying that the stock market will be the all be all, but you will be taking risk.
And as you are 65, 66, and we have another Joe Biden debacle and a guy that's raising, raising our national debt.
If you want to show the U.S. debt clock right now, guys, this is a serious problem.
And number five, we're going to talk about this more in depth.
But as this country builds more and more national debt, the taxes are just going to go up.
So number three is your drawdown protection.
What are you doing to protect...
Your money when the market goes up or down.
Not just down.
I know psychologically we think market goes down, we need to protect ourselves.
Market goes up, you need to protect yourselves too.
Right now we're in a bullish trend in the market.
As I said last podcast, we've got to be careful with the head fakes.
Two podcasts ago I looked at bear market rallies.
We are in that bear market rally.
We still have all the fundamental problems.
There's a housing problem going on right now with interest rates.
You're not getting what you thought you could get on your home.
If you're selling your home, you're not getting what you thought you would get 6-12 months ago.
Also, and that's because the buyers are not there because they can't get the actual credit.
It's almost impossible...
To buy a home.
There's no American dream right now.
I mean, goodness gracious, you can't even buy a car right now without giving your arm and leg.
The average car price right now is $37,000.
Just pre-COVID, the average car price was around $22,000, I want to say.
So if the interest rates right now at $7,000, if you have good credit, I have good credit, and they offered me 6.5%.
When I went to go buy my truck last year, it's crazy.
Mortgages are over 7% if it's a primary.
Now, if it's your investment property, holy smokes, you're talking about 7.5%.
Yeah, interest rates are rising.
Yeah.
It's getting harder to buy things.
So a car, $47,000, a $500 payment two years ago is equivalent to about $950, give or take $40, $50.
Who the heck can afford a $950 car payment and groceries that even $200 doesn't get you through the week and a gas bill that is ultra high?
In an apartment that you can't afford.
This is why America is struggling right now.
We have an affordability crisis.
It is terrible.
This is some of the ramifications of a terrible administration.
We've been printing money, printing money, and printing money.
They've turned their printers on even more.
And inflation is astronomically high.
We're not in Zimbabwe yet, guys, so I don't want you to panic.
But What I want to talk about is your retirement in particular, not the affordability of what's going on, but inflation is a death tax.
Inflation is a death tax that you got to be careful.
So that's my number five, but I still have a few more.
So we have number one, risk.
Number two, fees.
Number three is your protection.
Your drawdown protection, not just from market losses, but market upswings.
Like if you are in the market, how is your money protected?
Is your advisor trading your account?
What happens if he gets locked up in the hospital?
Does he have a money manager trading the account?
In 2021, I got locked up in a hospital.
My accounts were still being traded.
I almost died.
I'll do a podcast on my Res Demivir story and how God just miraculously saved me.
I literally heard from Him and I saw a part of Him.
I will share that story when I feel it's right.
It's a very moving story for me, so I have to emotionally prepare myself for that story.
But I do want to share it.
So number three, risk, is a drawdown protection.
The drawdown protection.
Like, what are we doing to protect your sales?
Like, if you're my client and you have safe money, you are golden.
You have a 0% standard deviation on that money.
Your principal is protected.
You don't have to worry about stock market losses.
And if you're a client on the advisory side, obviously there's limited risk, so there will be losses if the market goes down.
And generally, the money manager will sell out when there's a huge drawdown.
So you want to have active money management 24-7.
And so that's the beauty about what we do is we can play in both fields, a safe money field and in the market.
Which, number four risk, and this never was a risk to me because it's obviously on the rise with technology, but there's an advantage for doing business in Florida and in Alabama and in Dakotas and South Carolina.
Guys, they want to get rid, these states want to get rid of the CBDC. So, I'm guessing that it's a lot safer to have a Florida-based advisor Because we're able to block the CBDC from ever hindering your retirement.
Now, this is an evolving discussion.
I'm not saying that you have to do business in Florida to block the CBDC. I'm just saying that they're already starting to act and put bills against the CBDC. It's not going to work.
Long term, it's not going to work.
They're going to try to force it.
They're going to go after the vulnerable people on the government employees, the The social security beneficiaries, people on social security and disability, they're going to go after them first because they know they're not going to say no.
And in that process, they're going to make them have a digital wallet.
That is my prediction, is what I think will happen.
And then they will be able to implement this social credit score that they're so dying to do.
They want to control you by not purchasing...
You shouldn't be purchasing pornography anyway.
But guns, anything that looks bad in the eyes of the government or in eyes of humanity.
So guns, bump stocks, anything.
If they don't want you to be a farmer, they can control you not...
Not buying seeds or plows or heavy equipment.
I mean, they can literally control the landscape of your financial life.
They should block pornography.
So it's weakening a lot of marriages and men.
And a lot of men do struggle with that.
And they're not open and vulnerable with their wives about it.
So if that's you, I rebuke that demon.
I pray that you find what that void is because I don't think it's porn.
It's something else.
And so the reason why I say that is because I know many men that have struggled with it.
Personally, me, I've struggled with other things.
But I want to be vulnerable with you guys.
And I want to make sure that you understand that We are all sinners.
We all fall short.
And so this podcast is just to put light on everything.
So I pray that you ask God to deliver you from any addictions, whether it's porn or drugs or Netflix and bulging or overeating or bulimia or just greed or whatever it could be.
I just pray that that addiction is nailed on a cross and that you are forgiven.
I know you are forgiven and you are cleansed in the blood of Jesus.
So speaking on, Protecting your retirement.
The CBDC is a really, really huge threat.
It's a huge threat.
Why do we want to give control to the government?
Why do we want to be in a glass house and them viewing every single transaction that they're doing?
More importantly, why would these companies sign up to be certified with the FedNow program?
Why?
Why?
And you have to ask yourself, it begs the question, is there a bigger plan?
Like, are they in cahoots with the banks?
Are they in cahoots with, are they partnering with the 2030 Agenda?
Are they partnering with the Bilderberg Group and this New World Order that they're implementing?
Of course.
Of course.
So what is the end game?
The end game is that they want to control, track and trace you.
I have a little confession here.
As you guys know, I have two beautiful daughters.
My wife is trying to plan a girl's day, like a spa.
My daughter, Natalia, is seven, Rachel's nine, and they're great ice skaters.
I love them to death, and they're really into the dolls right now, particularly Barbies.
Now, I didn't realize how woke Barbie went.
Growing up, for the older millennials, the X generation, you know that Barbie was the American doll.
You had the Barbie Jeep.
You had the Barbie bikes.
You had Ken.
They're beautiful.
They're blonde.
Great figure.
All the girls loved it.
It's gotten woke, guys.
It's gotten woke.
I was just talking to my wife about how sad it is.
Like, my little girl loves Barbies and they want to go see the Barbie movie.
So any movie that we expose our kids to, we always try to do a little bit of research because we don't want garbage in.
I don't want to expose my children to the pedophilia that Disney puts out on a day-to-day basis or the woke agenda of the liberal media.
So I have to protect their eyes, their hearts, their ears and everything.
And so we looked into the Barbie movie and from what I'm hearing is that That it is completely woke.
Like Ken is, I don't know if he's transgender or what they did to Ken, but basically the Barbie doesn't need Ken and it's a feministic view of what's going on.
And, yeah, there's a transgender in there, and they don't need a man.
The man is the villain.
And I'm just like, wow.
They really, really make a big emphasis at our children to really focus that you don't need a man and a woman in marriage.
You don't need the family structure.
Like, how satanic is that?
If you look at every person that didn't pursue family, they're living miserable lives.
They're living miserable lives.
Like, what is your purpose?
Like, look, if you want to be gay and say, hey, I was born that way, God bless you.
But don't come back to us and say, oh, I'm miserable and you guys hurt us.
You chose that route.
You allow Satan to tell you that lie you were born that way.
And called it love.
No.
And I'm not here to offend homosexuality.
Because I don't care about your feelings.
I really don't.
That's what the Word of God says.
Naturally speaking, it is a man and a woman.
Naturally and spiritually and organically.
They're playing God by chopping off penises and saying they're a woman.
Well, after you chop off your penis and install a fake vagina, try nurturing your adopted baby or whatever you get your baby from.
You can't because a woman has a gift called a maternal spirit.
You cannot...
You cannot transform that.
You cannot spiritually induce or spiritually, artificially simulate a maternal spirit.
That is a gift that's given to women only and is given by God because it is ordained by God.
And that maternal spirit has saved many, many men and lives out of young child all the way up to heaven.
It goes into my scripture.
That's why I wanted to talk about that.
But number four, protecting your retirement is CBDC. We got to avoid the CBDC at all costs.
And I want to make sure that...
That you position yourself to be in a place where the CBDC can't touch you.
We have solutions.
We have strategies for you here in Florida with our firm that we feel that will be very defensive to the CBDC Nazi-like, communistic movement.
The government wants to put On your banks and possibly even your retirement account.
So, give us a call.
We want to give you that CBDC plan to get out of it.
So, give us a call.
813-448-3446.
Also, my last and grudfully speaking, unfortunately, my last point of protecting your retirement is taxes.
Taxes is a terrible thing.
We have to continue to pay it, pay it, pay it.
Your 401k and traditional IRAs have not been taxed.
And unfortunately, many of you have installed your whole retirement in a 401k, 403b IRA, simple IRA. Some of you have Roth IRAs, which are great.
But they're all owned by the government.
And so they have the ability to tax and do whatever they want.
The government deems IRAs and 401ks as their money.
So some of you have chosen to take some of your IRA out on an annual basis and put it in a tax-free account.
Whether you pay a penalty or taxes, that is up to you.
But you want to free yourself from the IRAs.
It's a smart move.
However, that is your personal choice.
It is something that you have to be proactive on.
The taxes is a really big thing, guys.
I don't really think that most people know the severity of the taxes that have to be paid.
There's a lot of things that goes on with qualified retirement accounts.
The first thing is when you pass away and you don't have a spouse, your children have to pay Ordinary income taxes on that money.
So for instance, if you had a half a million bucks and you pass away and your spouse is already gone to be with God and you are single or widowed, your children get that half a million dollar IRA. They have to pay taxes within five to ten years.
So what I would recommend is, typically in that situation, is you buy a small low-life policy to cover the taxes on it.
Some are small, some are big, some are different on different situations, but we can use not even just a cash value, you can use a term policy to cover that tax bill upon debt.
So that's a smart way for estate planning The taxes are just not ordinary income.
They're also on debt, too.
And the thing is, when you pass away, your IRAs will be taxed.
Now, if you have a Roth IRA, the good news is that you can inherit that Roth IRA tax-free.
So that's really good.
The only problem with the Roth, guys, is...
Right now, it does not count towards a calculation of Social Security.
So when you hit Social Security, you can pull money from your Roth and it doesn't count towards the $21,000.
The government forces you and caps you on how much you can make.
But the $21,000, when you have an IRA, when you pull it out, that is your $21,000.
You have this cap limit.
If you go over that $21,000, you're going to be penalized 50%.
And if you hit full retirement age, they allow you to make $51,000 at full retirement age.
And then if you make over $51,000, then you'll be penalized every dollar that you make over $3.
I'm sorry.
For every third dollar you make, you'll be penalized $1.
So it's a 33% roughly a penalty on top of ordinary income taxation.
So huge, huge problem.
And if you show the debt clock right now, Look at this.
This is massive.
This is massive.
I mean, we're just over, over, over, over saturated in what we owe.
And this is what they're just reporting.
I believe it's higher.
The problem is as the government keeps on printing and money and our national deficit goes higher and higher, they're going to tax your retirements.
They have to do that.
Taxes have to go up in order for our country to be solvent.
And as we send in money to Ukraine freely and not taking care of America, we're paying for that, guys.
We're paying for it.
So this election is not going to be about who...
Stopping the war on Ukraine or Russia or whatever or the economy.
It is actually the number one topic, in my opinion, what you need to be looking for is the future of our economy.
Because we literally are giving it away.
Like our children are not going to have United States.
Our country is in shambles right now because of this idiot and the policies that are in place right now.
He's just giving away the farm and printing money and inflation is out of control.
People can't afford home and cars and a home.
Like buying a new home and groceries.
They just can't afford schooling.
Daycare has gone up.
I mean, like the mom has to stay home And not bring in income if you have that ability because daycare is so expensive.
So it is creating a massive problem.
And then this is where they're going to introduce artificial intelligence so businesses can use AI-based robots to cover those positions.
And so there's going to be less jobs because AI is going to take out a lot of businesses.
A lot of businesses.
So, taxes is a really big thing.
And if you have over half a million dollars in taxes, I'm sorry, in IRA accounts, give us a call.
We want to show you a tax strategy that will help you.
But more importantly, I want to introduce, I don't have it today.
I do not have it today.
I repeat, I do not have it today.
But it is coming.
I am working with an outfit that is getting me a calculator.
And what this calculator is going to do is going to tell you your tax bill on your retirement.
So I'm hoping I can have it Not this week, but next week.
Maybe two weeks.
Give me some time, guys.
I'm really busy.
But I'm going to have a calculator.
You can put your IRA information.
You can put whatever information you want.
And even if you just want to use as a resource, you could.
But you put your IRA amount, how much you have in retirement accounts, and it's going to tell you how much taxes you have to pay.
If you don't pay it, what your tax bill is, but if you decide to do a conversion into a tax-free bucket, whether it's a Roth or using a Never Tax Me strategy that we implement, You're going to have the ability to see what that tax bill is and prepare for it.
A lot of times when you go into retirement, people pass away.
They're not prepared for the tax bill.
Or mom and dad have a lot of money and the children are like, dude, mom and dad have a million dollars.
We're only going to get half a million.
We're three children, so we're only going to get about $1.50 each because we've got to pay taxes on a million dollars.
That's crazy.
You need to be proactive right now, guys.
Give us a call, 813-448-3446, just to have a conversation.
You could use the tool to see what you're going to owe in taxes, even in retirement.
We want to make sure that you have a resource.
Because this is the hidden takeover.
This is how the government will steal your money or take your money is through taxes and inflation.
Taxes and inflation.
So this is a major retirement risk.
So you have risk, actual standard deviation risk.
So call your advisor, ask him what my standard deviation is.
Call your advisor, ask them what the fees are.
Number two.
Number three is your downside protection risk.
Number four, what are you doing to prepare me for the CBDC takeover?
The Fed now takeover.
They stutter or don't have an answer.
You have your answer there.
Number five is the taxation on my money.
What are you doing to help me protect from the IRA? Takeover upon death.
Like how my kids are going to benefit from getting the IRAs when they're going to have to pay a boatload of money.
So these are some major questions that you should be asking yourself.
And I hope you found this educational.
But lately I have been getting attacked by just random people.
I don't know where I saw it from, but if you're not getting attacked, that means you're not growing.
You're absolutely doing something wrong.
Stu gets attacked on a day-to-day basis.
He's doing something right.
I was reading my John Corson's Bible.
It's a study Bible.
I know some of you don't like study Bibles, and you should only read the King James Version, but I need a commentary Bible.
It's just how my brain works.
I just need a commentary on anything that I read to make sure that my reading comprehension is on cue.
So that works for me.
That's how I spend time with God.
Now, it's not my only Bible, but it is my go-to.
Acts 12.20.
What I loved about this devotion I had the other day, actually it was today, and I hope you guys are waking up, not checking your phone immediately, but rather checking your Bible immediately, and just spending that first 5-10 minutes with God every single morning.
I promise you, I promise you it will change your life.
And what I'm about to say goes hand in hand with those habits.
So if you can develop that spiritual habit, your life will turn around.
I promise you.
In 66 days, that's all it does is to create a new habit.
It takes 6 days.
Researchers said it used to take 7 days or 14 days.
Then it was 33.
Then it was 45.
Now it's 66.
So if you do something consecutively for 66 days...
You will lose the weight.
You will get in shape.
You will develop that skill.
You will have the habit to have the discipline to continue your breakthrough in whatever you're going through.
Whether it's working out, whether it's learning how to trade, whether it's doing anything new.
And to master it, it takes 10,000 hours.
So if you want to be an NHLer, Maybe my son will be one day.
It's going to take him 10,000 hours to master anything.
Whether it's trading, whether it's retirement planning, whether it's It's anything.
Riding or ice skating or just engineering architecture.
And for those of you that are successful at what you are doing, you've noticed that it's taken you 10,000 hours.
So what you do the math, it's 8 hours a day for 10 years.
And that's why people get really good at their jobs because they've been doing it for 8 to 10 years and they become masters at their job.
And some of them go off to start their own companies and their own businesses.
This is why the 10,000 hour rule is so effective.
So, my goal is to have 10,000 hours in the Word.
I haven't yet.
I should, and I'm disappointed that I'm not.
I'm 40 years old.
I didn't read my Bible up until two years ago.
So, I have eight more years to spend time in not mastering the Bible, but being...
Being just a really good scholar.
So that's one of my goals.
Also, I play ice hockey and it was going to take me about 12, about probably 15 years to get really, really good because I just started when I was 38.
My youngest is starting at five.
My other son started late at seven years old.
And by the time they're 16, 17, 18, they'll have their 10,000 hours in.
But that's eight hours a day.
So what are we doing every single day to get them better?
Well, that's my job is to provide that platform for them.
It could be anything, guys.
For my sons, it's ice hockey.
For me, it is Isaki.
And in wealth management, I've done this for a very long time.
I sure as heck have spent well over 10,000 hours on what I'm doing.
Stu's been amazing.
He's probably getting close to 10,000 hours on podcasting.
He's just amazing at what he does.
And imagine when he does, he's just going to be like, he's going to take over Rush Limbaugh, pretty much, or Alex Jones.
So I got high hopes for him, and I'm in it for the long haul with him.
He's a brother in Christ, not just a brother, but a brother in Christ to me.
So, Acts 12, 20.
What's eating you is basically like what consumes you.
What really is consuming you.
And there's three worms like Herod in the Old Testament.
He basically said you'll have worms that will eat you.
And so there's three worms.
There's the worm of anxiety, the worm of perversity, and the worm of negativity.
And it all comes back to one major concept.
That concept is giving thanks to God.
God doesn't need to be glorified.
Like, He doesn't need us to say, oh, I glorify God.
I'm successful.
I want to give all the glory to God.
He doesn't need your glory.
He's a king of glory.
Like, He created and invented glory.
He doesn't need it.
He absolutely loves it, right?
But He doesn't need it.
He's still your Father.
He still burned it all on a cross.
When we have the warm of anxiety, when anxiety eats you alive, there's a hole there.
Because Ephesians 5.20 says,"...and everything give thanks to the Lord." So if you're suffering from worriness and anxiety, or you're playing a victim card, or you're saying, oh well this happened to me, the economy happened to me, or I made this bad investment, or I did this, I did that, and it's their fault, not mine.
You don't take responsibility, you will always have this anxiety.
And you need a Romans 8.28, basically that in all things, Not just some things, but in all things work for the greater good who love the Lord.
So if you love God, all things work for the greater good.
And then in Ephesians, it basically says the same thing, 520, and everything give thanks to the Lord.
And because we haven't been given thanks as a country, we have anxiety problems.
Oh, like, who's going to be our next president?
What happens when the dollar crashes?
What happens when the stock market crashes?
Am I going to retire on time?
Am I going to do this?
Am I going to do that?
Blah, blah, blah, blah, blah, blah, blah, blah, blah.
And boom, fear, anxiety, uncertainty, and doubt, and you make terrible decisions.
Thank you.
We don't want to do that, guys.
Have a level head.
Trust God.
Pray to Him.
Make the right decisions.
And when we stop giving thanks and gratitude to God, there's something worse that happens.
Perversity.
We become perverted.
We become a country of perversion.
And so when we stop giving thanks to our dad and our mom and thanks to the Lord and thanks to our family structure, homosexuality kicks in.
And it's not driven by God.
It's not God-ordained.
And so we don't have that family structure.
We don't have that child that has a father and a mother figure.
And so a lot of problems happen, guys.
A lot of problems happen.
We have divorces.
And these men that are successful CEOs...
They make millions of dollars, I know.
I know some men that have made millions of millions of dollars.
I don't know if I want to make 20 million or 80 million.
Who has that option?
What normal person has the option?
And they're broken inside because dad didn't go to their baseball games.
Or their parents got divorced and there was never any healing there.
Their parents stop giving thanks to the Lord.
When we stop giving thanks to the Lord, bad things happen.
We become perverted.
So the second worm that eats you is perversion.
We have Barbie movies, right?
Something so innocent like that.
There's no thanks to the men and female.
We create these movies and we have the woke agenda and they all play the victim card.
There's no responsibility there and they're always, always miserable.
We become perverted, not just sexually, but just spiritually.
We become perverted.
And then the third warm goes hand in hand with perversion is negativity.
So when we are negative, that will eat us alive.
You've heard the same misery loves company.
Misery loves company.
And then we stop giving thanks.
We stop giving thanks.
We stop giving gratitude towards the things, the air in our lungs.
You know, when I almost died, I literally died.
I literally said, God, just thank you for the air in my lungs.
I'm so sorry I took that for granted.
I couldn't even walk to the bathroom.
I couldn't even walk to the bathroom.
I was an NCAA soccer athlete.
I have lungs of steel, I used to say.
But when we start giving thanks for the basic things, like the air in my home, the food on the table, The ability to push a button and start your car and go anywhere.
The business that God gives you.
The children that God has ordained you to watch over and love.
Where is the gratitude, man?
We become so negative.
Like even Christians.
Even Christians.
They become so negative.
And You know, this is where it says, you know my people buy as fruits.
Like, negativity is not a fruit of the Spirit, guys.
Negativity is not a fruit of the Spirit.
We have to give thanks in all things, like Ephesians 5.20.
In everything, give thanks to the Lord.
That's legit, like a commandment in the Bible.
And so when we don't give thanks, we have anxiety, we have perversion, and we have negativity.
So that was my devotion this morning.
And I really feel led to say a quick little prayer.
If you're listening to this, thank you for hearing me rant for 45 minutes.
But dear God, I come into your presence right now, Lord.
God, I am a sinner.
I need you in my life.
I have made so many screw-ups with infidelity, with gambling, with lust.
I rebuke that.
Let my mess be my message.
Whoever is listening to this, I pray that they too can change.
And more importantly, that we can get rid of the anxiety, the perversion, and the negativity.
That we can give you more thanks.
That we can wake up just giving you thanks.
It is air in my lungs.
And it's your breath that gives us life.
It is your breath that protects me from res demivir.
It is your touch that protects us from the evil, satanic bioweapon Of this COVID crisis we had.
And God, I just pray for all these clients.
I pray for all these people watching as podcasters, even the evil ones that want to hurt me.
God, I just pray that you just touch them and that you bless them.
And Lord, that you are the king of peace.
You are the king of peace.
Not the media.
Not someone else's opinion.
But you.
Let us turn from our wicked ways.
Repent.
And you will heal our land, like you say.
In Christ's name, I pray that whoever's listening to this, Lord, that they have you in their hearts.
That they acknowledge that they need you in order to have a savior.
And Lord, that you can write their name in the book of life.
And I thank you, Lord, for this podcast.
I thank you, Lord, for the ability for me to even speak my heart.
And God, we worship you.
We honor you in everything that we do.
Forgive us for our trespasses.
And give us that daily bread.
And let us seek ye the kingdom of God.
And all these awesome things will be added unto you.
And we pray in your name, Jesus.
Amen.
Alright, guys.
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