00:00:00:01 - 00:00:04:07

How manyof you grew up like I did not Rich.

00:00:04:17 - 00:00:07:09
Now I'm not theologicallyor philosophically

00:00:07:09 - 00:00:09:26
shallow enough to tell youmoney will make you happy.

00:00:09:26 - 00:00:12:20
Money will not make you happy.

00:00:12:20 - 00:00:13:18
You get more money.

00:00:13:18 - 00:00:16:18
It will make you more of what you areright now.

00:00:16:18 - 00:00:19:13
If you are miserable and you get money,

00:00:19:13 - 00:00:22:03
you will be lots more miserable.

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If you're a jerkand you get money being a jerk

00:00:25:07 - 00:00:26:26
and it'll mess with your family too.

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So your money is not going to solveyour problems.

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It's going to make them bigger.

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It's also going to make your opportunitiesbigger.

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If you're a generous person,

00:00:33:07 - 00:00:36:27
your generosity will go into overdriveto be outrageously generous.

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When you get a lot of money,we'll call you a philanthropist.

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A cool word.

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That means you give a lot of it awayand you have a blast doing it.

00:00:43:09 - 00:00:46:05
You found the most fun you ever have withmoney is when you find that.

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So we live in a cause and effect world.
00:00:48:00 - 00:00:53:12
What you plant, you will harvest,you will reap what you sow, right?

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So if you plant stupid,you will get a crop of desperate.

00:00:56:20 - 00:00:57:15
I've done it.

00:00:57:15 - 00:01:00:15
And you know, if you plant corn,don't be looking for beans to come up.

00:01:00:22 - 00:01:02:00
Don't be shocked by

00:01:02:00 - 00:01:04:27
because what you put intoyour life is what you're going to get out.

00:01:04:27 - 00:01:08:00
So we found that there's five things thatif you do these five things with money

00:01:08:08 - 00:01:10:07
over a period of time,like ten or 15 years,

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you will build a level of wealth100% of the time.

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And now I said a level of, well,I don't know what level

00:01:16:04 - 00:01:18:03
because I can't predictcar wrecks and cancer.

00:01:18:03 - 00:01:20:29
I can't predict tragedy,and I don't know what your income will be.

00:01:20:29 - 00:01:23:28
But if you're workingand you do these five things,

00:01:23:28 - 00:01:27:01
you will build a level of wealth100% of the time.

00:01:27:13 - 00:01:30:10
And this is not some prosperity thingand it's not mystical or magical.

00:01:30:10 - 00:01:32:22
When I grow up, these fivethings are all common sense,

00:01:32:22 - 00:01:35:22
but common sense is so rarenow it's like having a superpower.

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So let's look at the five.

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The first one is get on a budget,a written plan.

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You have to do a budget on paperon purpose before the month begins.

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Every month.

00:01:46:20 - 00:01:48:28
If you work for a company called You Inc.

00:01:48:28 - 00:01:50:19
and you manage money for you Inc.,

00:01:50:19 - 00:01:52:18
the way you manage money for you,now, would you fire you?

00:01:52:18 - 00:01:55:05
Don't answer that.We misbehave with money.

00:01:55:05 - 00:01:56:23
And so we're disorganized.

00:01:56:23 - 00:01:57:20
We don't have a plan.

00:01:57:20 - 00:01:59:22
Nothing's written down. Decide.

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The interesting thing

00:02:00:14 - 00:02:04:06
about each one of these principles isyou can just decide today to do them.

00:02:04:19 - 00:02:07:12
I had a guy working for meand he was not doing this process right.

00:02:07:12 - 00:02:09:00
And I said, Nowthis is what you need to do.

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And he goes, Well, it'snot the way I do it and I should change.

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And he said, Well,I'm not like you and I should change.

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You can decide today to be goodat this or leave.

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You can decide.

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You can decide to do a budget today,get out a yellow pad or go free

00:02:23:17 - 00:02:24:07
budget online.

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Every dollar you can decide today, I'mgoing to start managing money
00:02:28:01 - 00:02:31:01
well today because you're going to keepgetting what you've been getting.

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If you keep doing what you've been doing,you know this right, sowing and reaping.

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And the second one isyou need to get out of debt.

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Now, we know this one.

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You knew DaveRamsey was going to talk about

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getting out of debt because, you know,the Bible says the borrower

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is slave to the lender.

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It's real.

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Now, here's the deal.

00:02:47:07 - 00:02:48:02
Think about this.

00:02:48:02 - 00:02:50:22
Your most powerful wealth buildingtool is your income.

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Let me show you what slavery looks like.This week.

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They came out with new data that showsthat the average car payment in America

00:02:57:27 - 00:03:02:09
today, according to the National AutoDealers Association, is $499.

00:03:03:03 - 00:03:05:11
That's dangerously close to 500.

00:03:05:11 - 00:03:08:14
You take 500 bucks a monthand invest it from age 30 to age 70

00:03:08:19 - 00:03:12:02
in a decent growth stock mutual fund,you have $5.6 million.

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That's what car payment costs you.

00:03:14:18 - 00:03:18:01
So would you make rich General Motors,Ford, Lexus?

00:03:18:01 - 00:03:20:27
I don't know. Toyota. Who was it?You made somebody rich.
00:03:20:27 - 00:03:24:00
And when you and you're driving alongand something you can't afford

00:03:24:00 - 00:03:26:29
scratching your head wonderingwhy your kid's college fund isn't funded

00:03:26:29 - 00:03:28:28
Because we're giving it allto somebody else

00:03:28:28 - 00:03:31:00
and they have nicer furniturein their building.

00:03:31:00 - 00:03:33:05
Have you noticed something's going onhere?

00:03:33:05 - 00:03:36:06
Gosh, you know, and some people in heregot a student loan.

00:03:36:06 - 00:03:38:08
Has been around so long,you think it's a pet?

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You got master card in your life.

00:03:40:29 - 00:03:43:02
I mean, it's hard to be a slaveif you don't have a masters,

00:03:43:02 - 00:03:44:10
so you might as well.

00:03:44:10 - 00:03:47:20
We've discoveredbondage in American distress,

00:03:48:08 - 00:03:50:17
and it just keeps going and going.And I've done it to you.

00:03:50:17 - 00:03:52:27
I'm not picking on anybody.I'm just saying, here's the deal.

00:03:52:27 - 00:03:55:03
Think about this.What if you had no payments?

00:03:55:03 - 00:03:57:02
Can't even get my head around that.

00:03:57:02 - 00:03:59:05
Well,you're always going to have a car payment.

00:03:59:05 - 00:04:02:07
You know, I hear people say thatlittle man can't get ahead.

00:04:02:24 - 00:04:03:25
You're always going to have a car payment.

00:04:03:25 - 00:04:05:18
Should drive some nudge YOLO.

00:04:06:19 - 00:04:07:13
Right.

00:04:07:13 - 00:04:11:00
Which, by the way, is addressedin Proverbs says frugal right after that.

00:04:11:12 - 00:04:14:05
See, those are how we talkwhen we're losing.

00:04:14:05 - 00:04:16:23
You know, you're going to hear, you know,I sure hope we can elect a president

00:04:16:23 - 00:04:19:13
who will fix my life. Not going to happen.

00:04:19:13 - 00:04:20:22
Neither one of them got the goods.

00:04:20:22 - 00:04:23:22
I'll just tell you,you're in charge of your life.

00:04:24:08 - 00:04:27:08
It's the only one that's going to workand that's what changes.

00:04:27:19 - 00:04:29:08
So how do you get out of debt?

00:04:29:08 - 00:04:31:18
Well, you have to decide or not borrowany more or less first step.

00:04:31:18 - 00:04:35:17
And we had plastic surgery at our house,had a plus section.

00:04:35:17 - 00:04:38:16
We decided we're not borrowing moneyanymore.

00:04:38:16 - 00:04:41:06
MasterCard,

00:04:41:06 - 00:04:43:13
it's the Capital One.

00:04:43:13 - 00:04:45:07
What's in your wallet? Money.

00:04:48:15 - 00:04:49:25
You're weird, Dave.

00:04:49:25 - 00:04:51:03
You're right.

00:04:51:03 - 00:04:53:22
And I'm not broke anymore either.

00:04:53:22 - 00:04:55:25
I decided I'm going to living like this.

00:04:55:25 - 00:04:58:07
I am not a credit card in 30 years.You don't have a credit card?
00:04:58:07 - 00:05:00:05
I don't have a credit card.That's my wallet.

00:05:00:05 - 00:05:02:00
It's got green presidents faces.

00:05:02:00 - 00:05:05:22
It's got four pieces of plastic in here,two debit cards, one on my business,

00:05:05:22 - 00:05:07:16
one on my personal account,which you'll do everything

00:05:07:16 - 00:05:09:05
your stupid credit card will do.

00:05:09:05 - 00:05:11:14
I travel more than any toyou put together. Shut up.

00:05:11:14 - 00:05:13:08
It works. Okay.

00:05:13:08 - 00:05:14:18
You're a good man. Airline Miles. Yeah.

00:05:14:18 - 00:05:16:18
I've met a lot of millionaires,and none of them said no.

00:05:16:18 - 00:05:18:07
You know,I made it all on my airline, Miles.

00:05:18:07 - 00:05:21:03
I haven't heard that one, so.

00:05:21:03 - 00:05:23:21
so I got my driver's licenseor my handgun carry permit.

00:05:25:10 - 00:05:26:22
The third thing, once you're out of debt,

00:05:26:22 - 00:05:30:18
then you need to be careful to fosterhigh quality relationships.

00:05:31:03 - 00:05:32:22
What's that got to do with money?

00:05:32:22 - 00:05:33:16
Everything.

00:05:33:16 - 00:05:34:26
There's a huge correlation

00:05:34:26 - 00:05:37:20
for those that build wealthand who they hang around with

00:05:37:20 - 00:05:39:05
because you becomewho you hang around with.

00:05:39:05 - 00:05:40:08
Have you noticed that
00:05:40:08 - 00:05:43:08
you don't let your kids hang aroundwith little juvenile delinquents, right?

00:05:43:22 - 00:05:45:10
If little Johnny down the streets,a weed head,

00:05:45:10 - 00:05:47:04
you don't let your kid runwith little Johnny because you know

00:05:47:04 - 00:05:49:04
you're going to have a weedhit in your house, right?

00:05:49:04 - 00:05:49:27
We know this.

00:05:49:27 - 00:05:53:04
So we come home with that mouth on themand you're going, Where'd you learn that?

00:05:53:16 - 00:05:55:19
We getyou locked in next week in this house?

00:05:55:19 - 00:05:57:13
Or did you think you could get awaywith that?

00:05:57:13 - 00:06:00:01
I'll take you out and make another onelook just like you, you know? I mean,

00:06:01:03 - 00:06:03:11
you know, it's becausewe're hanging out a little Johnny, right?

00:06:03:11 - 00:06:04:24
You know what happens? We're the same way.

00:06:04:24 - 00:06:06:15
Yeah, we're the same way.

00:06:06:15 - 00:06:08:20
You talk likethe people you're hanging around with.

00:06:08:20 - 00:06:09:15
You read the books,

00:06:09:15 - 00:06:13:23
they talk about if you don't readand all your friends watch The Bachelor.

00:06:13:29 - 00:06:16:15
Here's a clue. Okay, here'swhat's going on.

00:06:16:15 - 00:06:18:14
This is all you know about is reality TV.

00:06:18:14 - 00:06:19:23
It's not a reality. Probably.

00:06:19:23 - 00:06:22:26
We need to change our diet,you know, read a book.

00:06:22:26 - 00:06:23:25
And so Charlie tremendous.

00:06:23:25 - 00:06:25:25
Joan said five years from today,you'll be the same person

00:06:25:25 - 00:06:28:08
you are today, except of the booksyou read, the people you meet.

00:06:28:08 - 00:06:29:04
Don't be deceived.

00:06:29:04 - 00:06:31:24
Evil company corrupts good habits.And you know this.

00:06:31:24 - 00:06:32:11
The studies have

00:06:32:11 - 00:06:36:12
shown that over a ten year period of timethat your income will approximate will

00:06:36:12 - 00:06:40:20
become within 10 to 20% of the averageof your ten closest friends income,

00:06:41:06 - 00:06:45:08
because you have the same habits,they've got the same diet into your self

00:06:45:19 - 00:06:46:20
that they've got.

00:06:46:20 - 00:06:47:10
You have it.

00:06:47:10 - 00:06:49:20
You can't stop yourself from doing it.

00:06:49:20 - 00:06:51:24
You will become who you hang around with.

00:06:51:24 - 00:06:53:09
And all of the studies show

00:06:53:09 - 00:06:55:17
that we have a tendency nowthat's not to say I'm some kind of snob,

00:06:55:17 - 00:06:57:10
but I don't have any friendsand aren't rich friends.

00:06:57:10 - 00:06:58:01
Not at all.

00:06:58:01 - 00:07:00:29
I have lots of friends,but my closest hangs are people

00:07:00:29 - 00:07:04:11
I want to be like, That's my closest onesand I'll talk to anybody.

00:07:04:17 - 00:07:07:15
Like when our daughters were growing up,they're grown and married to wonderful men
00:07:07:15 - 00:07:09:29
now, but you know, they're in high schooland they're wanting to go on a date.

00:07:09:29 - 00:07:11:09
We didn't do missionary dating.

00:07:11:09 - 00:07:13:27
You don't get to date little Johnnythe weed head and lead him to Jesus.

00:07:13:27 - 00:07:15:29
That's not going to work, okay?

00:07:15:29 - 00:07:16:25
We're not doing this.

00:07:16:25 - 00:07:19:04
Little Johnny could go to campand get saved again.

00:07:19:04 - 00:07:21:00
You know, we'll work on this, right?

00:07:21:00 - 00:07:24:22
And so now we come up in our house,pick up one of our daughters,

00:07:24:22 - 00:07:26:14
honk your horn.You better be delivering a pizza.

00:07:26:14 - 00:07:26:24
All right.

00:07:26:24 - 00:07:29:27
So coming in and talking to the old man,you know, I'll be cleaning my gun

00:07:29:27 - 00:07:31:06
when you get home.You know the song, right?

00:07:31:06 - 00:07:32:05
And so,

00:07:32:05 - 00:07:35:03
I mean, this this guy and I'm teachingDad, all the boys in the youth group

00:07:35:03 - 00:07:37:13
are scared of you. Good.

00:07:37:13 - 00:07:39:04
Keeps away to things you don't want,baby doll.

00:07:39:04 - 00:07:41:10
You don't want jerksand you don't want wusses.

00:07:41:10 - 00:07:42:17
And if I can keep both those away.

00:07:42:17 - 00:07:45:06
And then I can teach you tohow to keep them away, you can pick. Good.

00:07:45:06 - 00:07:46:29
And guess what? They both picked good.
00:07:46:29 - 00:07:48:15
They both pick that bird studs.

00:07:48:15 - 00:07:51:15
Man, I got some son in law. Unbelievable.

00:07:51:16 - 00:07:54:04
My sons are awesome.And it wasn't an accident.

00:07:54:04 - 00:07:54:29
You see what I'm saying?

00:07:54:29 - 00:07:58:06
Know, you need to make these choices very,very carefully.

00:07:58:06 - 00:08:00:23
The fourth thing isyou need to save and invest

00:08:00:23 - 00:08:03:10
in the house of the wiseor stores of choice.

00:08:03:10 - 00:08:05:20
Food and oil wise.

00:08:05:20 - 00:08:08:20
People save money. That's what this means.

00:08:08:28 - 00:08:12:01
And so it was used in the marketplacelike we use green presidents, faces

00:08:12:06 - 00:08:13:16
as a medium of exchange.

00:08:13:16 - 00:08:16:16
If you had a carafe of oil,you were ready to do business.

00:08:16:20 - 00:08:18:03
It was a sign of wealth.

00:08:18:03 - 00:08:21:03
There were two classes of people,poor people and rich people.

00:08:21:03 - 00:08:23:01
Most of the people were poor people.

00:08:23:01 - 00:08:24:06
This is the Mediterranean.

00:08:24:06 - 00:08:24:21
We're talking.

00:08:24:21 - 00:08:28:02
They ate hummus and olives,no meat, little bit of bread,

00:08:28:06 - 00:08:31:11
maybe, maybe a fish if they got some meat.

00:08:31:19 - 00:08:32:17
But that was it.

00:08:32:17 - 00:08:34:27
Rich people eat what we eat every day.

00:08:34:27 - 00:08:38:12
Spices, good meat, Charleston food scene.

00:08:38:16 - 00:08:40:05
You know what I'm saying, right?

00:08:40:05 - 00:08:41:06
Cooking it up, right.

00:08:41:06 - 00:08:42:03
That's fine.

00:08:42:03 - 00:08:47:00
Food stores of choice, foodand oil choice, food or symbols of wealth.

00:08:47:11 - 00:08:48:07
So let's read that again.

00:08:48:07 - 00:08:50:13
In the house of the Wivesare stores of money.

00:08:50:13 - 00:08:54:00
By the way, the rest of that one says,and a foolish man devours all he has.

00:08:54:12 - 00:08:57:03
If you spend everything you make,the Bible just called you a fool again.

00:08:57:03 - 00:08:58:07
I've been a fool.

00:08:58:07 - 00:09:00:15
Call me a fool too. And I decided

00:09:01:22 - 00:09:02:28
to change.

00:09:02:28 - 00:09:04:14
Watch people save money.

00:09:04:14 - 00:09:06:26
Why? We'll start withwe save for an emergency. Right?

00:09:06:26 - 00:09:07:14
Grandma said it.

00:09:07:14 - 00:09:09:22
She said save for a rainy day.

00:09:09:22 - 00:09:11:09
It's going to rain.

00:09:11:09 - 00:09:12:20
You're going have a car wreck.
00:09:12:20 - 00:09:14:05
The cruise your job.

00:09:14:05 - 00:09:15:09
Something's going to happen.

00:09:15:09 - 00:09:16:20
You need some money, Dave.

00:09:16:20 - 00:09:17:15
You need to be positive.

00:09:17:15 - 00:09:19:24
I'm positive. It's going to rain.

00:09:19:24 - 00:09:20:23
Something's going to come up.

00:09:20:23 - 00:09:23:06
This oneI don't understand. Unexpected pregnancy.

00:09:23:06 - 00:09:24:07
So what?

00:09:24:07 - 00:09:27:10
Okay, but people come up with all kindsof things that are emergencies, right?

00:09:27:22 - 00:09:28:21
Something's going to happen.

00:09:28:21 - 00:09:31:08
And then you need to save and invest.So you retire with dignity.

00:09:31:08 - 00:09:32:20
You know, I'mgoing to spend everything I make

00:09:32:20 - 00:09:33:11
and hope the government,

00:09:33:11 - 00:09:36:11
which is well known for its abilityto handle money, will take care of me.

00:09:36:23 - 00:09:38:00
Dumb idea.

00:09:38:00 - 00:09:40:01
I'm not I'm sure some of themhave opposable thumbs up there.

00:09:40:01 - 00:09:42:22
You know what I'm saying?It's just ridiculous.

00:09:42:22 - 00:09:46:05
And we're counting on them andsome whacked out kind of way to come be.

00:09:46:18 - 00:09:47:15
They're not coming.

00:09:47:15 - 00:09:50:02
There is no white horse.There is no Calvary.
00:09:50:02 - 00:09:51:21
You're here, okay?

00:09:51:21 - 00:09:53:20
You are in charge of your destiny.

00:09:53:20 - 00:09:56:03
And that's great news.

00:09:56:03 - 00:10:00:12
And so all worried about the electionand I'm not worried about the election

00:10:01:01 - 00:10:04:01
because I made money under both parties.

00:10:04:08 - 00:10:05:19
It turns out it wasn't up to them.

00:10:05:19 - 00:10:09:07
In either case,I've lost money under both parties.

00:10:09:21 - 00:10:11:03
None of them sent me a check.

00:10:11:03 - 00:10:12:22
They all just want money.

00:10:12:22 - 00:10:16:16
They're extracting like a tick,extracting blood all the time.

00:10:16:16 - 00:10:17:15
That's all they do.

00:10:17:15 - 00:10:18:22
This is the deal.

00:10:18:22 - 00:10:20:10
The last one is all about generosity.

00:10:20:10 - 00:10:21:24
But this is all about cheerfulness.

00:10:21:24 - 00:10:24:20
Generosityis not just a transfer of funds.

00:10:24:20 - 00:10:28:15
Generosity is a spiritwhere you decide to be a generous person.

00:10:28:20 - 00:10:31:17
Generous people are more attractive.

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They smile, they're not grouchy.

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It's not all about them.

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They're the ones that open the door.

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They're the ones when the grocery baghas the bottom drop out and your groceries

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are rolling all over the parking lot,they're the ones out there

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helping you pick it up.

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These are the people

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that when they go out to eat,they leave a tip you cheap and ridiculous.

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Well, us.

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I'm not only big tipsbecause it's a form of generosity.

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Well, they didn't give me good service.

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shut up.

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Or carrying a tray that weighsmore than you figure it out.

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They park your car in the rainand in the heat. Shut up.

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Give them some money and park your hundred30,000 on a car and you give them $3.

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What are you, a nut?

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That's Ferris Bueller parkingthe car there.

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You take care of that, man.

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I give them a $20 bill. My carstill sitting there when I come out.

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It's amazing.

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That guy's working his waythrough college or something right there.

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And if he says better than I deserve,
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that's just codefor I'm getting out of debt.

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If I say that, you got to get hima double tap, so I get him 40.

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My wife's like, I'm on Park your car.

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No, you're not.

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You're not workingyour way out of college.

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You've already put up with mefor 30 years.

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So it's all right.

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Generosity is a spirit.

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It changes everything in your life.

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But it's also tough to get out ofif you're broke,

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if you're in debt and you hadn'tsaved any money and you don't have a plan

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and you're not hanging out withother people who are givers and change,

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you get to

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decide today, it'll change your life.

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It'll change your family tree.

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You will change everyonewith your last name that follows you.

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If you do these things, it'sthat powerful.

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It's unbelievable.

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The sorrows are deeperand the joys are higher.

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It changes everything.
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And when you move this money piece around,it gives you the tools

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to be that in the marketplaceand to be that for your family

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and to get this monkey off your backand to get that elephant out of the room

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because he's got to go.