Money, Money, Money

这一生结束后会发生什么？

What happens after this life is over?

真的有死后的生活吗？

Is there really life beyond the grave?

在《死后的人生》中，菲利普·德科西牧师探讨了圣经对永恒、天堂以及信徒通过耶稣基督所拥有的盼望的教导。

In Life After Life, Pastor Philip DeCourcy explores what scripture says about eternity, heaven, and the hope believers have through Jesus Christ.

发现关于来世的真相，以及为何它对今天至关重要。

Discover the truth about what comes next and why it matters today.

向RealLife捐赠任意金额，即可获取《死后的人生》一书。

Request your copy of Life After Life with a gift of any amount to RealLife.

访问 jackhibbs.com 或拨打 (877) 777-2346。

Visit jackhibbs.com or call (877) 777-2346.

RealLife 带着明确的意图和勇气，呈现杰克·希布斯播客，传扬真理、装备圣徒、影响我们的文化。

Real Life presents the Jack Hibbs podcast with intention and boldness to proclaim truth, equip the saints, and impact our culture.

如果你在财务方面顺服，你很可能在理财、金钱使用方面非常明智，这将改善你的生活。

If you are obedient in the area of finances, there is a high probability that you are going to be very wise regarding finances and money and the use of money, and it will better your life.

它会改善你家人的生活，也会改善你认识的人的生活，还会改善你所参加的教会的生活。

It will better the life of your family, and it will better the life of the people you know, and it will better the life of your church that you attend.

这是一种美好的感觉，因为这是以神为中心的，是荣耀基督的，也是为他人服务的事工。

And it's a good feeling because it's God centered, it's Christ glorifying, and it's the ministry toward others.

别再认为钱是邪恶的了。

Stop thinking that money is evil.

你可以通过访问 jackhibbs.com/podcast 获取本播客的讲章大纲。

You can get the outlines of this podcast by going to jackhibbs.com/podcast.

今天，如果这个播客鼓舞了你，让你更积极地活出在基督里的丰盛生命，请务必给我们留下一个五星评价。

Today, if this podcast lifts you up and encourages you to live a more fulfilled life in Christ, then make sure you leave us one of those five star ratings.

对我们来说，这就像说‘阿们’或‘是的’。

To us, that's like saying amen or yes.

这样的一星评价会鼓励其他人来收听。

Then that rating will encourage others to listen.

现在，敞开心扉，聆听神的话语对你说的话。

Now open your hearts to what God's word has to say to you.

以下是杰克·希布斯。

Here is Jack Hibbs.

嘿，

Hey,

各位。

guys.

我们正在谈论金钱。

We're talking about money.

金钱。

Money.

在我过去的观念里，一听到金钱、金钱、金钱、金钱，就会想起那首歌，它反复播放，让很多像我这样年纪大的人感到反胃。

In my old mind, I can hear money, money, money, money, that song that makes a lot of us older kinda sick to our stomach because it was played constantly until it made you sick.

但金钱很重要，各位。

But money's a big deal, everybody.

非常重要。

A very big deal.

这就是原因。

Here's the reason why.

耶稣最近以非常生动的方式向我们揭示了金钱是一种敬拜的祭坛。

Jesus introduces us most recently and graphically to the fact that money is a altar of worship.

金钱是一种敬拜的祭坛。

Money is an altar of worship.

所有敬拜，正如一切敬拜一样，是由选择敬拜对象的人所决定的。

All that is something that is determined, as all worship is, by the one who chooses to worship what the object is.

是敬拜者使某个对象成为敬拜的对象。

It's the worshiper that makes the object an object of worship.

耶稣说，你只能敬拜神或玛门。

Jesus said, you can either worship God or Mammon.

玛门是古希腊的财富与繁荣之神。

Now mammon was the ancient Greek god of wealth and prosperity.

玛门在各种文化中都有不同的名称和头衔。

A mammon goes back with various names, various titles through every culture.

但在我们的圣经世界观中，这种观念一直可以追溯到远古的巴比伦，以及数千年前构成巴比伦崇拜体系的360位神祇。

But in our biblical worldview, sense for us all the way to ancient Babylon and the 360 gods that made up the Babylonian worship system thousands and thousands of years ago.

玛门。

Mammon.

再次强调，它以各种形式显现出来。

Again, manifesting itself, in various ways.

我认为此刻有必要指出，当耶稣说你只能侍奉神或填空时，当然，这里的空白就是玛门，也就是金钱。

I think it's good to say at this moment that when Jesus says you can either serve God or fill in the blank, of course, this case, mammon being money.

请记住，在金钱背后，在追求健康、健美、外貌、爱好、运动或其他任何事物的背后，

Remember, behind the money, behind the, excuse me, behind the, pursuit of health or bodybuilding or looks or hobbies or sports or it doesn't matter what it is.

都不重要。

Doesn't matter.

甚至无论它有多好，都不重要。

Even doesn't matter how great it is.

我们堕落的本性作为灵性的存在，会把一件非常好的事变成偶像，从而使之成为崇拜的祭坛。

Our fallen nature being spiritual creatures, we can take a really good thing and idolize it and thus making it an altar of worship.

希望这能说得通。

Hopefully that makes sense.

比如，你可以看看购物这件事。

For example, you can take you can take, shopping.

你必须去购物。

You have to shop.

每个人都得购物。

Everybody has to shop.

所以你现在可能会笑，心想：天哪，杰克牧师，我没想到你也喜欢购物。

So you might chuckle right now because you're thinking, oh my goodness, pastor Jack, I didn't think you'd be into shopping.

我真的很喜欢购物。

I'm totally into shopping.

几乎每周，丽莎都会派我去Trader Joe's，或者Albertsons之类的超市，去买食物。

Almost once a week, Lisa will send me to the Trader Joe's or or whatever Albertsons or whatever to shop to buy food.

我会带着清单，然后去完成采购。

And I've got my list and I go do that.

当然我要购物，你也要。

Of course I shop, so do you.

但你刚才可能轻笑了一下，以为我要说的是诺德斯特龙百货，或者别的什么，比如梅西百货。

But see, you might have giggled a little bit a moment ago because you thought I was going to say Nordstrom's or, you know, fill in the blank, Macy's.

我不知道你的世界是怎样的，但我们可以把购物变成偶像，因为当你情绪低落、受伤，或者感觉今天过得不顺时，我就想去购物。

I don't know what your world is, but we can make shopping an idol because, you know, when we're depressed and our feelings are hurt or we just feel like we're not having a good day, I'm gonna go shopping.

有意思，对吧？

Interesting, right?

这和依赖其他东西而不是依靠上帝，本质上是一样的。

That is the exact same thing as leaning on something else instead of leaning on God.

我跟你们说的这些，对一些人来说可能很抽象，但确实有人通过逃避现实、用无法应对糟糕一天的方式来掩盖自己，从中寻找意义。

Now, what I'm saying to you might be very abstract to some of your thinking, but there are some people who find their meaning in escaping by masking themselves through the inability to cope through a really rough day.

如果他们不喝点酒，就根本无法应对。

They can't handle it unless they have a drink.

今天真是糟透了。

It's been a rough day.

天啊，我需要喝一杯。

Man, I need a drink.

那就是一个偶像。

That's an idol.

如果我说：天啊，今天真是糟透了，对我而言也是一样的。

Would be Look, it'd be the same for me if I say, Man, I've had a really rough day.

我会去划皮划艇、冲浪、骑车，或者散步，随便做什么。

I'm gonna go paddle boarding or surfing or riding or or walking or whatever.

问题不在于那个活动本身。

It's not the thing.

而在于我把这个活动变成了什么。

It's what I make the thing into be.

金钱排在首位。

And money is at the top of the list.

金钱排在首位。

Money's at the top of the list.

首先，让我们从金钱开始谈起。

And first of all, let's start here regarding money.

《传道书》第三章12到13节说：我知道人最好的就是欢喜快乐，并在自己一生中行善。

The book of Ecclesiastes chapter three verses, 12 to 13 says this, I know that nothing is better for them than to rejoice and to do good in their lives.

并且人人都应当吃喝，享受自己劳碌所得的福分，这是上帝的恩赐。

And also that every man should eat and drink and enjoy the good of all his labor, it is the gift of God.

这到底是什么意思？

What does that mean?

这是一节常被用来谈论自由贸易和资本主义的经文。

That is one of those verses that, speaks about, free trade, capitalism.

人亲手劳作，把自己制作的东西卖掉，从而改善自己的生活。

Man works with his own hands, takes what he has crafted and sells it, and he makes his own life better.

他不仅改善了自己家人的生活，也改善了社区中其他人的生活。

And he makes the lives of those who are his family and even those who are of his community better.

为什么？

Why?

因为他正确地运用了自己的技能。

Because he rightly used his skills.

听好了，大家。

Listen, everyone.

他正确地运用了自己的技能，就像我现在移动手指，这正是技能的象征。

He rightly used his skills of which I am moving my fingers, announcing that this is the symbol for skills.

我用我的双手。

And I've used my hands.

我用它们创造了一些东西。

I've used them to create something.

不管我创作的是音乐、砖块，还是别的什么，你明白我的意思吧？

Does doesn't matter if I created music, if I created a brick, or if I created, you got my point?

我使用了上帝赐予我的才能，无论那是什么，对你来说也是如此。

I use the skill sets that God has given me, whatever they are for you.

你没有无所事事，你运用了它们。

And you didn't sit idle, you use them.

圣经说，无论如何都要使用这些才能，因为这不仅会使你周围的人受益，也会让你自己受益。

And the Bible says, by all means, use them because you will be a blessing both to others around you, but to yourself.

有一种自我价值感，听好了，通过动手劳动，你能感受到自我价值和意义。

There's a sense of self worth, listen, self worth and meaning by the use of your hands.

如今，许多年轻人——作为父母，我们真该感到羞愧——竟然任由孩子无所事事，而不是鼓励他们动手，投入努力、工作和汗水，去挖坑。

And so many young people today, and shame on us as parents, are letting our kids sit on their hands instead of pulling their hands out and using them in effort, in work, in sweat, digging holes.

我不是在开玩笑。

I'm I'm not joking.

挖坑、种东西、打地基，都要动手去做。

Digging holes, planting things, laying foundations, digging use the hands.

去建造一些东西。

Build something.

看。

Look.

在你们自己家里，对于许多 homeschooling 的家庭，或者孩子在公立学校就读的家庭，让孩子们用锤子、木头、钉子和胶水，亲手做一个鸟屋。

In your own home, for many of you who are homeschoolers or or you've got kids in public school, have your kids build a birdhouse with hammer, wood, and nails and glue.

先设计，然后动手建造。

Design it and then build it.

我不是在开玩笑。

I'm just I'm not joking.

为什么？

Why?

成就感，爬到梯子上，把它挂在树上，钉在那里，你的孩子们将来在后院抬头一看，就会想起：嘿。

A sense of accomplishment, get up on the ladder, put it on put it up in the tree, nail it up there, and your kids will forever in your backyard look up and remember, hey.

这是我们做的鸟屋。

We made that birdhouse.

当你真的看到鸟或松鼠进出这个鸟屋时，会有一种强烈的满足感。

And then there's an overwhelming sense of satisfaction when you actually see a bird or a squirrel come in and out of that bird house.

发生了什么？

What has happened?

你用双手做了有意义的事，因此你获得了自我价值，因为你为自己赋予了使命。

You meaningful used your hands in a meaningful way, and you have self worth because you have ascribed yourself to do something.

上帝对待金钱也是如此。

And I'm and God does the same thing with money.

上帝希望我们使用我们的金钱。

God wants us to use our money.

上帝听得到。

God listen.

贫穷并没有什么美德。

There is no virtue in poverty.

但我要小心地说这一点。

But let me be careful to say this.

我并不是在宣扬成功、财富和享乐主义的教义。

I am not preaching prosperity, wealth, and claimant doctrine.

我反对这种观点。

I'm against it.

我传讲并教导反对这种观点。

I preach and teach against that.

然而，上帝赐福于顺服。

However, God blesses obedience.

这是事实。

That's a fact.

如果你在财务方面顺服，你很可能在理财、金钱和金钱的使用上非常明智，这将改善你的生活。

If you're if you are obedient in the area of finances, there is a high probability that you are going to be very wise regarding finances and money and the use of money, and, it will better your life.

它会改善你家人的生活，改善你认识的人的生活，也会改善你所参加的教会的生活。

It will better the life of your family, and it will better the life of the people you know, and it will better the life of your church that you attend.

这是一种美好的感觉，因为这是以神为中心的，是荣耀基督的，也是对他人服事的。

And it's a good feeling because it's God centered, it's Christ glorifying, and it's the ministry toward others.

别再认为金钱是邪恶的。

Stop thinking that money is evil.

圣经中 nowhere 说金钱是邪恶的。

Nowhere in the Bible does it say that money is evil.

根本就没有这样的说法。

It's just not there.

但我们已经退缩，认为哦，是的，钱是邪恶的，因为那个骗子牧师，那个家伙大喊大叫要你寄一千美元给他。

But we have pulled back to think, oh, yeah, it is evil because this charlatan preacher, this guy's yelling and screaming about sending him a thousand dollars.

看吧。

Look.

我希望你明白，永远不要给电视布道者寄钱。

I I do hope, you know, never send televangelist money.

永远不要给他们寄钱。

Never send them money.

别这么做。

Don't do it.

我的意思是，如果上帝吩咐你这么做，那你去做；但如果只是他们要求你这么做，那就别做。

I mean, do it if God tells you to, but don't do it if they told you to.

对我来说，不给事工捐钱的首要方式就是：如果他们开口问你，‘你能给我们寄钱吗？请？’

Number one way for me to not send a ministry money is if they ask, will you send us money, please?

是的。

Yeah.

绝不可能。

No way.

听好了。

So listen.

我们已经知道，上帝是自由市场的创造者。

So we already know that God is the creator of a free trade market.

人靠自己的双手劳动，出售自己的成果，以改善自己和他人的生活。

Man works with his hands, sells what he does to the betterment of his own life and the life of others.

圣经告诉我们，亚伯拉罕是一个靠自己双手劳动的人，上帝赐福给他大量的牲畜。

The Bible tells us that Abraham was a man who worked with his own hands, and God blessed him with a multitude of flocks.

当亚伯拉罕停下来挖井时，上帝赐福给他。

And God blessed him when he stopped, and they dug wells.

上帝使水涌出。

God brought up water.

注意，所有这些事都是神迹。

Notice all these things are miraculous.

所需要的只是亚伯拉罕运用他的技能，而上帝赐福了它。

All that was needed was Abraham to apply his human skill, and God blessed it.

在亚当结婚之前，亚当就已经有了工作。

Before Adam was ever married, before Adam was married, Adam had a job.

我认为这对我们的时代意义重大。

I think that's significant for our day and age.

记住这一点。

Keep that in mind.

在上帝赐给亚当夏娃之前，上帝就已经给了亚当一份工作。

Before Adam ever was given Eve by God, God gave Adam a job.

这非常重要。

And that is a significant part.

没有人应该在没有工作的情况下结婚。

Nobody should get married without a job.

你好。

Hello.

这很明显。

That's obvious.

顺便说一句，我不在乎你现在是否真的在听这个播客，也不在乎你身家一亿美元，每天早上只是坐着发呆，你迟早会出问题。

By the way, I don't care if you actually are listening to this podcast right now and you're worth a $100,000,000, and you get up in the morning and you sit on your hands, you're gonna get in trouble.

不管你有多少钱，你闲着没事干、双手闲置，这都不行。

Your idle time with your hands, I don't care how much money you're worth.

你本不该停止用双手去做有益的事。

You're not supposed to stop using your hands for good.

如果你很有钱，不必像我们其他人那样工作，却用你的双手和技能去惹是生非，那你可就麻烦大了。

If you're worth a lot of money and you don't have to work like the rest of us do, and you're using your hands and your skills to get into mischief, boy, are you in trouble?

如果你不用财富来推进上帝的爱、国度和恩典，而让它像鸟儿长了翅膀一样飞走，那也别感到惊讶。

Don't be surprised if your wealth sprouts wings like a bird and flies away from you instead of you using it for the advancement of God's love, kingdom, and grace.

金钱。

Money.

提摩太前书第六章第十节。

First Timothy chapter six verse 10.

金钱的爱，就在那里。

For the love of money there you go.

对金钱的爱是一切邪恶的根源。

The love of money is a root of all kinds of evil.

你看，金钱本身并不邪恶。

You see, money's not evil.

金钱是道德中立的。

Money is amoral.

好的。

Okay.

足球本身也不是邪恶的。

So football is not evil.

足球是道德中立的。

Football is amoral.

它本身没有道德属性，直到人类赋予它道德意义。

It has no morality until humans assign morality to it.

你可以一直这样讲下去。

You can go on and on with this.

我希望你能明白。

I hope you get that.

我们没有时间来深入探讨这一点。

We don't have the time to develop that.

真希望我们有时间。

I wish we did.

但钱本身是无道德倾向的。

But money is amoral.

它的好坏取决于使用它的人。

It's used for good or evil based upon the person who is governing it.

我手里拿着一支记号笔。

I have this Sharpie in my hand.

我可以用这支记号笔，用我的手写下‘我爱你’。

I could write with this Sharpie, with my hand that, so I write love you.

我用这支记号笔写了这些。

With the Sharpie, I wrote this.

用同一支记号笔，我也可以转过身来说些像‘打倒你们’或者‘起来暴动’之类的话。

With this same Sharpie, I could turn around and say something like, down with you or, you know, let's riot or something.

这支笔是无道德倾向的。

This pen is amoral.

金钱是无道德倾向的。

Money is amoral.

它本身没有道德，直到你付诸实践。

It doesn't have any morality until you put it into practice.

因此，我们应当成为所拥有资源的管家。

That's why we are to be stewards over the resources we have.

你可能会说，杰克牧师，我没有资源。

And you might say, Pastor Jack, I don't have any resources.

不，你有的。

Yes, you do.

别这么说。

Don't don't say that.

你说：我穷得叮当响。

You say, I'm so broke.

是的。

Yeah.

不，你并不穷。

No, you're not.

听我说。

Listen.

你并不穷。

You're not.

如果你总是月光族，你依然可以用一美元去祝福别人，或为上帝的荣耀而使用它。

If you're living from check to check, you have the ability with $1 to bless someone or to use it for God's glory.

也许你靠养老金生活，或者靠社会保障金生活。

Maybe you're on a pension or maybe you're on social security.

上帝会召唤你，告诉你如何用一枚镍币来荣耀祂。

God will call you and show you how to use a nickel for his glory.

你明白吗？

Do you understand?

我的朋友，请务必明白这一点。

My friend, please get this.

在上帝眼中，一百万美元并不比一枚镍币更宝贵。

It's not in the eyes of God, a million dollars is not more good than a nickel.

你可以用一百万美元怀着错误的动机去做坏事、错事，而别人却可以用一枚镍币。

You can use a million dollars with the wrong motive to do the bad thing, the wrong thing, and somebody else can use a nickel.

最终在永恒中，这枚镍币比一百万美元更令上帝得荣耀。

And it winds up in eternity being more honoring to God than a million dollars.

我希望我已经非常非常清楚地表达了这一点。

I hope I made that point very, very clear.

我们回到《提摩太前书》第六章第十节。

Back to first Timothy chapter six verse 10.

因为贪财是万恶之根，有人贪恋钱财，就被引诱离了真道。

For the love of money is a root of all kinds of evil, for which some having strayed from the faith interesting.

对金钱的信心。

Faith in the use of money.

偏离了信仰的人，变得贪婪，用许多痛苦刺透了自己。

Having strayed from the faith become have become greedy and have pierced themselves through with many sorrows.

你知道追逐财富会用许多痛苦刺透你吗？

Did you know that chasing wealth will pierce you through with many sorrows?

你知道追逐财富会让你陷入各种阴谋、计划和圈套，最终导致你的毁灭吗？

Did you know that chasing wealth will get you into schemes and plots and plans that will end to your demise?

我最近刚和一个人谈过，他说，由于我的贪婪、追求和野心，我在过程中开始弄虚作假，这个人因为金钱被判了127年监禁。

I spoke to a man about rather recently who said to me, because of my greed and my pursuit and my ambition, things began to I fudged things along the way, and that man was sentenced to a hundred and twenty seven years in prison because of money.

现在主抓住了他那颗美好的心，他正在告诉别人、写信给他人说：要先寻求神。

And now the Lord's got a hold of his beautiful heart, and he's telling people and writing to people saying, seek God first.

不要爱钱。

Do not love money.

那帖撒罗尼迦后书3章10节怎么说呢？

What about second Thessalonians three verse 10?

甚至我们在你们那里时，就曾吩咐你们这件事。

For even when we were with you, we commanded you this one thing.

若有人不肯做工，就不可吃饭。

If anyone will not work if anyone will not work, neither shall he eat.

我相信这个原则应该被镌刻在美国联邦社会保障局、美国财政部、卫生与公共服务部的正门上。

I believe this principle needs to be this should be the verse that is embossed in the front of the United States federal office of the Social Security office, the US Treasury, Health and Human Services.

如果你有能力靠双手赚钱却不愿做，就不该给你食物。

If you have the ability to make money with your hands and you do not, you should not be given food.

圣经就是这么说的。

The Bible says that.

如果一个人是懒汉，圣经说，就让这个懒汉饿到足够难受。

If you're a bum, the Bible says, let the let the guy who's a bum, let him get hungry enough.

他就会去工作了。

He'll go to work.

天啊，这难道不是严厉的爱吗？

Man, is this tough love or what?

不是。

No.

这并不是严厉的爱。

It's not tough love.

这是一种正常的生活方式。

It's a normal way of living.

你看。

Look.

我年纪大了，但并不是老古董。

I'm old, but I'm not a dinosaur.

我从小在一个非基督教家庭长大，但我的父亲教导我们：只花你拥有的钱。

I grew up in a non Christian home that had enough sense that my dad's instruction to us was only spend what you have.

能省则省。

Save what you can.

一路上一点一点地存起来。

Put away a little bit here and there along the way.

这来自一个非基督教家庭。

That was from a non Christian home.

从我15岁那年夏天在杂货店做第一份工作开始，我就一直这么做。

And I since since the day I I was able to acquire money from my first job at the age of 15 in the summer summer job working at a grocery store, did exactly that.

事实上，我现在能插一句话吗？

In fact, can I insert this at this moment?

我知道我占用了太多时间，但这事挺私人的。

I know I'm eating up time here, but this is kind of personal.

但我跟你说这些，是因为这会让你的生活变得更好。

But I'm telling you this because it will it will make things better for you.

我不在乎你多大年纪，也不在乎你多年轻。

I don't care how old you are or I don't care how young you are.

所以，如果我像松鼠藏坚果一样从15岁就开始存钱，我可以告诉你，我完全遵从了父亲的建议，从存镍币、角币和分币开始，后来渐渐换成了更大的储蓄容器。

So if I started at the age of 15 like a squirrel putting nuts away in a tree, I can tell you right now that I took my dad's advice on that and I started putting away nickels, quarters, and dimes that eventually graduated out of a can.

在我的抽屉里，我开始藏一个信封。

And in my dresser drawer, I started hiding an envelope.

我会把美元放进信封里。

And I would put dollars in an envelope.

我会慢慢存起来。

And I would save up.

抱歉，有点不舒服。

I'm sorry, fighting something.

从15岁起，我就一直这么做。

I have done that since I was 15 years of age.

上次我检查的时候，我还有一个信封，信封上标着日期。

The last time I checked, I have an envelope, and that envelope has a date on it.

我觉得我从1979年开始往这个信封里存钱了。

And I think it's 1979 that I've been putting money in that envelope.

如今在现代，你不必再用信封了。

Now today in the modern age, you don't have to use an envelope.

现在有很多优秀的应用，比如Capital Q这样的应用。

There's great apps like capital with a q, capital.

有很多应用教你怎么存钱。

There's many apps on how to save money.

但我为什么要说这些呢？

But why am I saying this?

因为如果你在小事上忠心，上帝就会赐给你荣誉和能力，让你在更多事情上也忠心，再更多，再更多。

Is because if you're faithful in a little bit, God will give you the honor and the ability to be faithful with a little bit more, and then a little bit more, and then a little bit more.

你之所以能自律，是因为我向你保证。

And you discipline yourself because I promise you this.

如果你手里有20美元，把它拆开，拿出5美元放进信封或存进银行账户，然后忘掉它，你就不会花掉它。

If you've got $20 in your hand and you break it up and you take $5 of that and put it in an envelope or put it in a bank account and put it away, forget about it, you you won't spend it.

顺便说一句，现在有很多应用，就像我刚才说的，如果我加了10美元的油，我设置的app会自动支付油费，同时也会把等额的金额转存起来。

And by the way, there's apps today, like I said a moment ago, where if I go get $10 worth of gas, I have set my app to pay that gas bill, but also it sends the equal amount of gasoline.

我为加油支付了10美元。

I pay $10 for gas.

它会反过来转出10美元。

It turns around and it sends $10.

我把自己存进储蓄账户。

I pay myself in a savings account.

这些纪律极其美好，并且会不断积累。

These are disciplines that are gloriously beautiful, and it accumulates.

上帝会因你的这种管理而赐福给你。

And God will bless you with that management.

小小的忠心带来更大的忠心。

Little faithful and little make you faithful and more.

年轻人今天就该开始这样做。

Young people start that today.

看看会发生什么。

Watch what happens.

但我喜欢圣经里说的：如果你身体健全，能赚钱工作，却不去做，你就别指望别人施舍你。

But I love how the Bible says, if you're able-bodied, if you can make money and work, if you don't, you're not gonna get any hands out handouts.

如果今天发生这种情况，美国大部分经济问题将在一个周末内得到解决。

If that happened today, a bulk of America's economic problems would be solved in a weekend.

你知道吗？

Did you know that?

这个国家之所以受苦，是因为它支付给不工作的人，这是一种无神且反基督的理念。

This nation suffers because it pays people not to work, and that is a godless antichrist concept.

你不工作，就不会得到任何食物。

You don't work, you're not gonna get any food.

对于那些因残障、受伤或病痛而无法工作的人，嘿。

To those who can't work because they are debilitated, wounded, injured, hey.

我们很荣幸乐意照顾你们，因为你们无法以那种方式参与。

It's our honor to take care of you gladly because you can't participate that way.

箴言22章7节。

Proverbs 22 verse seven.

富户管辖穷人，借贷的人是放债人的仆人。

The rich rules over the poor and the borrower is servant to the lender.

箴言22章7节警告我们不要滥用权力，而我们的国家充满了滥用。

Proverbs 22 verse seven is a verse that warns us against abuse, and our nation is full of abuse.

这可能是我和你们谈谈上帝的好时机。

This probably be a good time for me to talk to you guys about gosh.

看看我。

Look at look at me.

我正在变成你们的父母或祖父母。

I'm turning into your to to your parent or to your grandparent.

但没关系，猜猜看。

But that's okay, guess.

对吧？

Right?

如果这对你有帮助，那就太好了。

If it helps you, super.

但并不是每个人都能接受我接下来要说的话。

But not not everyone can receive what I'm about to say.

我知道，哦，我想不起他的名字了。

I know that Oh, I can't think of his name.

你知道他是谁。

You know who he is.

那个基督教的金钱专家，不管他是谁。

The Christian money guy, whoever he is.

他不同意我的观点，但没关系。

He does not agree with me, but that's okay.

在这方面，我不同意他的看法。

I don't agree with him on this.

在箴言22章中，经文说富户管辖穷人，借货的成了放债的仆人。

In Proverbs 22, when it says, the rich the rich rules over the poor and the borrower is servant to the lender.

我非常推崇使用那些值得我使用的特定信用卡。

I am a massive fan of using particular credit cards that are worthy of my use.

我是认真说的。

I mean this sincerely.

朋友们，现在我要摘下牧师的帽子，以个人身份来谈杰克的生活。

Folks, now I'm taking off my pastor's hat, and I'm putting on my personal hat for Jack's life.

我不是以官方身份发言，我不是财务顾问，也不假装是或扮演这个角色，但我作为上帝赐予我的管家，你们也应当成为自己所拥有之物的管家。

I am not for the record, I am not a financial adviser, nor do I pretend to be one or play the role of, but I am a steward over what God has given me, as you should be over you.

所以，年轻人，请认真听好。

And so for example, young people listen carefully.

研究那些能提供最多积分或现金返还的优质信用卡。

Research the best credit cards that pay the most in points and or dollars back for credit card use.

最好的信用卡通常会收取年费。

The best cards are gonna have fees.

别被这个吓到了。

Don't let that scare you.

比如，我就直接说大的。

If you, for example I'm just gonna go big.

如果你因为选择申请某张特定的信用卡——我希望这样说没问题。

If you, for example, apply for a credit card because you choose to apply for this particular let's say, I I hope I can say this legally.

我随便编一个。

I'll make one up.

美国运通卡。

Amex, American Express.

我只是拿这个当例子。

I'm just using that as an example.

我不是在为他们做推广。

I'm not promoting them.

我不是在给他们做广告。

I'm not, doing a commercial for them.

但年费是500美元。

But the annual fee is $500.

什么？

What?

有张信用卡要500美元？

$500 to have their credit card?

等一下。

Hold on.

他们可不是傻子。

There's a they're not dumb.

他们收费自然有他们的理由。

There's a reason why they're charging you.

如果你是个年轻人，这张卡可能不适合你。

If you are a young person, this may not be the card for you.

你可能想选一张年费是55美元、75美元或100美元的卡。

You might wanna go with something that the the annual fee is is 55, 75, or a $100 a year.

我为什么要这么做？

Why would I do that?

因为每次我使用这张美国运通卡，都能获得大量积分或消费返现。

Because every time I use this American Express card, it gives me so many points or dollars for money spent.

比如，我在壳牌加油站加油时，每花一美元，就能在运通账户里获得4点积分或4美元返现。

For example, if I fill my gas tank up at Shell Oil, I get four points or $4 for every dollar spent that is put into or that is in the American Express account.

快进到这一切。

Fast forward through all of this.

看好了。

Watch this.

我经常旅行。

I travel a lot.

所以你知道那500美元的年费吗？

And so you know that $500 fee?

让我来解释一下为什么值得。

Here's how I justify it.

我支付500美元来拥有这张信用卡，但我根本不关心他们的利率，因为我只会用这张卡消费我能在30天内还清的金额。

I pay them 500 to have their credit card, but I don't care what their interest rate is because I will only spend on that card what I can pay at the end of thirty days.

我用他们的钱来赚钱，意思是我在月底还清账单，这样我就不会产生欠款，他们也不会向我收取利息，但比如，我花了1000美元买新车胎。

I use their money to make money, meaning I pay my bill off at the end of the month so that I'm not charging so they're not charging me interest, but they just gave me, let's say I spent a thousand dollars on new tires for my car.

这1000美元现在在我口袋里，但我不会去花它。

I have that thousand dollars in my pocket, but I'm not gonna use it.

我会用这张卡消费，然后在月底把口袋里的钱转给信用卡公司，这样我们就刚好收支平衡。

I'm gonna use the card, and then at the end of the month, send the money that's in my pocket to the credit card company because now we're now we're now we just broke even.

对吧？

Right?

我们全部清零了。

We're all zeroed out.

他们已经收到了款项。

They're paid.

我已经付清了。

I paid for it.

但最终他们会给我一千、两千甚至三千积分。

It's done, but they wind up giving me a thousand or two or 3,000 points.

你跟得上我的思路吗？

Are you with me at tracking?

我用这些积分来旅行，用这些积分来住酒店。

The points I use to travel, the points I use for hotel.

这是免费的钱。

It's free money.

我只会使用那种让我用卡就能赚钱的信用卡。

I will only use a credit card that pays me to use their card.

我用它们来赚钱。

I use them to make money.

现在人们会说，别用信用卡。

Now people will say, don't use credit cards.

你会欠债的。

You'll go into debt.

这对没有自制力的人，以及不懂如何使用别人钱的人来说，确实是这样。

This is true for people who do not have self control and for people who do not understand how to use somebody else's money.

用银行的钱。

Use the bank's money.

利用信用卡公司的钱来为自己谋利。

Use the credit card company's money to your advantage.

他们实际上是在赌你不是一个合格的金钱管家。

They are literally banking on you not being a good Christian steward over money.

这说得通吗？

Does that make sense?

在他们的游戏中击败他们。

Beat them at their game.

花旗银行、摩根大通，我不在乎是谁。

Citibank, Chase, and I I don't care who it is.

自己去研究一下。

Research for yourself.

但这件事有趣的地方在于。

But here's the fun thing about this.

我不会向贷款方负债。

I will not become indebted to the lender.

我实际上利用贷款方的贷款来为自己谋利。

I actually use the lender to to capitalize off of their lending.