{"id":304326,"date":"2017-01-05T12:00:00","date_gmt":"2017-01-05T17:00:00","guid":{"rendered":"https:\/\/wp-stage.familylife.com\/www\/podcast\/%series%\/outrunning-the-debt-monster\/"},"modified":"2017-01-05T12:00:00","modified_gmt":"2017-01-05T17:00:00","slug":"outrunning-the-debt-monster","status":"publish","type":"podcast","link":"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/outrunning-the-debt-monster\/","title":{"rendered":"Outrunning the Debt Monster"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Are your spending habits becoming a debt habit? Christian financial expert Ron Blue shares four biblical principles for building a healthy financial foundation for your family.<\/p>\n","protected":false},"author":91,"featured_media":294104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","inline_featured_image":false,"_uag_custom_page_level_css":"","episode_type":"","audio_file":"https:\/\/web.familylifetoday.com\/fl2017-01-05.mp3","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"00:","filesize":"22.81M","filesize_raw":"23915547","date_recorded":"","explicit":"","block":""},"categories":[2850,2851],"tags":[6169,6171,4853,6170],"podcast_series":[7661],"cwp_profile":[3066],"series":[2101],"class_list":["post-304326","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-character-development","category-finances","tag-finance","tag-healthy-finances","tag-money","tag-spending-habits","podcast_series-mastering-the-money-basics","cwp_profile-ron-blue","series-familylife-today"],"acf":[],"episode_featured_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg?w=508","episode_player_image":"https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2023\/02\/image-scaled.jpg","download_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-download\/304326\/outrunning-the-debt-monster","player_link":"https:\/\/wp-stage.familylife.com\/www\/podcast-player\/304326\/outrunning-the-debt-monster","audio_player":null,"episode_data":{"playerMode":"light","subscribeUrls":{"apple_podcasts":{"key":"apple_podcasts","url":"https:\/\/podcasts.apple.com\/us\/podcast\/familylife-today\/id212174303?mt=2&app=podcast","label":"Apple Podcasts","class":"apple_podcasts","icon":"apple-podcasts.png"},"google_podcasts":{"key":"google_podcasts","url":"","label":"Google Podcasts","class":"google_podcasts","icon":"google-podcasts.png"},"spotify":{"key":"spotify","url":"https:\/\/open.spotify.com\/show\/0j5UaKdQOHQCuo1bt0ebEm","label":"Spotify","class":"spotify","icon":"spotify.png"},"youtube":{"key":"youtube","url":"","label":"YouTube","class":"youtube","icon":"youtube.png"}},"rssFeedUrl":"https:\/\/wp-stage.familylife.com\/www\/feed\/podcast\/familylife-today","embedCode":"<blockquote class=\"wp-embedded-content\" data-secret=\"Lwd0Wzfr78\"><a href=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/outrunning-the-debt-monster\/\">Outrunning the Debt Monster<\/a><\/blockquote><iframe sandbox=\"allow-scripts\" security=\"restricted\" src=\"https:\/\/wp-stage.familylife.com\/www\/podcast\/familylife-today\/outrunning-the-debt-monster\/embed\/#?secret=Lwd0Wzfr78\" width=\"500\" height=\"350\" title=\"&#8220;Outrunning the Debt Monster&#8221; &#8212; FamilyLife\u00ae - A Cru Ministry\" data-secret=\"Lwd0Wzfr78\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script>\n\/*! This file is auto-generated *\/\n!function(d,l){\"use strict\";l.querySelector&&d.addEventListener&&\"undefined\"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!\/[^a-zA-Z0-9]\/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret=\"'+t.secret+'\"]'),o=l.querySelectorAll('blockquote[data-secret=\"'+t.secret+'\"]'),c=new RegExp(\"^https?:$\",\"i\"),i=0;i<o.length;i++)o[i].style.display=\"none\";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute(\"style\"),\"height\"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):\"link\"===t.message&&(r=new URL(s.getAttribute(\"src\")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener(\"message\",d.wp.receiveEmbedMessage,!1),l.addEventListener(\"DOMContentLoaded\",function(){for(var e,t,s=l.querySelectorAll(\"iframe.wp-embedded-content\"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute(\"data-secret\"))||(t=Math.random().toString(36).substring(2,12),e.src+=\"#?secret=\"+t,e.setAttribute(\"data-secret\",t)),e.contentWindow.postMessage({message:\"ready\",secret:t},\"*\")},!1)))}(window,document);\n\/\/# sourceURL=https:\/\/wp-stage.familylife.com\/www\/wp-includes\/js\/wp-embed.min.js\n<\/script>\n"},"uagb_featured_image_src":{"full":["https:\/\/wp-stage.familylife.com\/www\/wp-content\/uploads\/sites\/1001\/2024\/09\/FLT-Podcast-Cover-2-508x508-3.jpg",508,508,false]},"uagb_author_info":{"display_name":"kfairris@familylife.com","author_link":"https:\/\/wp-stage.familylife.com\/www\/author\/kfairrisfamilylife-com\/"},"uagb_comment_info":0,"uagb_excerpt":"Are your spending habits becoming a debt habit? Christian financial expert Ron Blue shares four biblical principles for building a healthy financial foundation for your family.","meta_box":{"show_notes":"","transcript_url":"https:\/\/transcript.familylifetoday.com\/fl2017-01-05.pdf","transcript_content":"<strong>Bob: <\/strong>This is <em>FamilyLife Today<\/em> for Thursday, January 5<sup>th<\/sup>. Our host is the President of FamilyLife<sup>\u00ae<\/sup>, Dennis Rainey, and I\u2019m Bob Lepine. You may have heard Ron Blue offer that kind of financial counsel before; but odds are, as we start a new year, it doesn\u2019t hurt to hear it again. Stay tuned.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>2:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAnd welcome to <em>FamilyLife Today. <\/em>Thanks for joining us. We\u2019re going to talk about money today. Do you and Barbara ever have any money fights in your marriage?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Now what kind of question is that?!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> You know! We all have fights. I\u2019m just wondering if there were ever\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Of course! Of course\u2014a clash of values, and savings and spending\u2014and you know, you name it\u2014we\u2019ve had the discussion about it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Do you <em>lean<\/em> in one direction or another? Are you\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Are you wanting me to declare this publicly? [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> I want to know: \u201cWho\u2019s the thriftier among you?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> You know, honestly, I would have to say Barbara really has done a pretty good job over the years; but as we\u2019ve moved into this new season of life, I\u2019m a little thriftier than she is.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> She kind of\u2014I\u2019m kind of squeezing George, and he\u2019s weeping; you know? [Laughter] \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>3:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tShe believes\u2014she wants to put a smile on George\u2019s face; you know?\u2014she wants to spend him.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> We were out to eat the other night, and I left a generous tip for our waiter; in fact, it was an extremely generous tip. In this particular situation, I tipped 40 percent.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Oh, my goodness!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes; I did.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Wow!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> And my wife looked at me and she said, \u201c40 percent?!\u201d I said, \u201cWell honey, the waiter was our <em>son<\/em>. You know, we should...\u201d\u00a0 [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>I was waiting for the rest of the story!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> She\u2019s going, \u201cI <em>know<\/em>; but it\u2019s still 40 percent!\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: \u201c<\/strong>Make him earn it!\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>In fact, I remember a story our guest on today\u2019s program\u2014Ron Blue \/ Ron joins us on <em>FamilyLife Today<\/em>\u2014Ron, didn\u2019t you give a guy or a young lady a tip at Chick-fil-A<sup>\u00ae<\/sup> one time?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Oh, I remember this story\u2014it\u2019s a great one; yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>4:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>It was one of those\u2014I used to have breakfast at Chick-fil- A with my son and would always order the same thing. This Hispanic lady always waited on us; and when we would walk in, she would serve us with a smile\u2014she\u2019d have our breakfast ready. I was walking out of the restaurant one day and I said: \u201cYou know, you tip people in restaurants. Why don\u2019t we tip fast food people?\u201d I couldn\u2019t think of a good reason; so I reached in my billfold and pulled out a twenty. The Lord said\u2014almost verbally\/audibly\u2014said, \u201cYou cheapskate!\u201d\u2014[Laughter]\u2014because I had a <em>lot<\/em> of twenties in my billfold. [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI folded up five twenties, and went back in and said, \u201cCan you accept tips?\u201d She said, \u201cSure!\u201d So, I gave her $100. A week or so later, I was back in. She thanked me for the gift and she said: \u201cYou know, when you gave that to me, I needed a new set of tires. I was feeling very blessed that you did that.\u201d But she said, \u201cWhen my daughter got home from high school, I found out there had been an apartment fire and somebody had lost everything in their apartment.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>5:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tShe said, \u201cI thought they needed the $100 worse than I did.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Wow!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>So she said, \u201cWe gave it to them.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>I learned a lot of lessons in that!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>You know, I gave out of my abundance;\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes; really.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>\u2014and she gave out of her poverty.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>I think that\u2019s a message for today\u2014frankly,\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Oh, my goodness.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>\u2014for our generation. I wonder how much truly sacrificial giving occurs, even within the Christian community \/ the community of faith, which <em>ought<\/em> to demonstrate sacrificial giving if anybody should. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tRon Blue, for those who do not know, is the founder of Kingdom Advisors, which is really a ministry of financial planners that are better equipped to, shall I say, divert God\u2019s money to kingdom work instead of other endeavors. That\u2019s kind of my definition of what you do. Do you like it?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>It\u2019s my definition too! It\u2019s symptomatic of the real thing.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>6:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>He\u2019s all about giving!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Your staff is working with folks who have their assets\u2014they are trying to figure out, \u201cWhat do we do with our money?\u201d and you\u2019re trying to help them think through\u2014not just, \u201cWhere\u2019s the smartest place to get the best return on investment?\u201d\u2014but \u201cWhat are the value decisions that <em>guide<\/em> those choices?\u201d\u2014right?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Yes; I think\u2014what I have found is that the key to financial freedom is not an amount of money, <em>ever<\/em>\u2014it\u2019s a heart attitude and belief. God\u2019s Word speaks to this\u2014that the only way, really, to achieve financial freedom is to give. We force our hands open, and then God has an opportunity to use that money\u2014just like that lady I gave $100 to\u2014I have been ministered to more by that gift than I can imagine. I\u2019ve shared that story with a lot of people\u2014<em>that<\/em> was multiplied. That\u2019s a real sense of freedom when you learn how to give. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>7:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNobody that I know, that has accumulated wealth, can experience financial freedom apart from giving.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Of course, Ron, we talk about giving in this current economic environment\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014and then there are young couples, who are listening, who are going: \u201cWell, we hope someday to be at a place where we can give; but we\u2019ve got to get student loans taken care of \/ we\u2019ve got to get the credit cards paid off. I mean, this is a time where giving seems like one of those noble goals that is <em>way out there<\/em> in the future; and someday we hope to get there.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Well, that\u2019s true; but I think one of the things that <em>everybody<\/em> needs to have is a sense of perspective. You know, the first economic meltdown was Joseph\u2014that\u2019s recorded in the Bible\u2014I mean, the famine \/ you know, seven years of plenty and seven years of famine\u2014that\u2019s an economic meltdown. That was their currency \/ that was their wealth. You find famine, and wars, and economic turmoil all throughout Scripture. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And, yet, for a young couple starting out their marriage\u2014who may have started their family in the midst of a lot of debt\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>8:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> \u2014and not having the advantage of the perspective you are talking about, where they\u2019ve talked about an overall game plan for their money\u2014how they are going to approach debt \/ how they\u2019re going to approach savings. You really talk about this in your book, <em>Surviving Financial Meltdown.<\/em> Where should they start? What\u2019s the beginning point?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Well, I know that you know my message is that there are four biblical principles: spend less than you earn, avoid the use of debt, save for the long-term and the unexpected, and set long-term goals. Then, I would add a fifth\u2014and that is that God owns it all\u2014and to understand that. That was testimony that I gave to a congressional sub-committee, back in the early \u201890s; and Senator Dodd was the one that asked me the question. I gave him that answer. He said to me, \u201cIt seems like that would work at any income level.\u201d I said, \u201cYou\u2019re right, Senator, including the United States Government.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>9:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Because those are four biblical principles. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tAs we\u2019ve been going through this turmoil, this is what typically happens\u2014is the interviewer will say, \u201cHow would you avoid this?\u201d I\u2019d say, \u201cWell, spend less than you earn, avoid the use of debt, and so forth.\u201d He\u2019d say: \u201cYes, yes; but I didn\u2019t do that. Now what do I do?\u201d \u201cWell, spend less than you earn. You\u2019ve got to get on a budget; you\u2019ve got to get out of debt; you\u2019ve got to set some savings aside; and you\u2019ve got to set some long-term goals;\u201d\u2014and I would say\u2014\u201cincrease your giving.\u201d\u00a0 The principles don\u2019t change! Just because I\u2019m in financial <em>difficulty<\/em> doesn\u2019t mean that there are different principles. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> They\u2019re the same principles to avoid the problems, to get out of the problems, and when I have a surplus, or when I have a deficit\u2014those are the four biblical principles. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>When do you tell a couple to cut up their credit cards? I mean, if they are in debt, starting out their family, at what point should they pull out a pair of shears or scissors and cut them and whack them in half?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Right now! I mean, if they are in debt trouble. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>10:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIncidentally, though, credit cards never got anybody into problems\u2014it\u2019s the person holding the credit card that got into problems. [Laughter]\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>I look at credit card debt as symptomatic. It\u2019s symptomatic of a violation of a biblical principle someplace. For example, it may be greed: \u201cI <em>want<\/em> something that I really can\u2019t afford.\u201d It may be poor communication between a husband and a wife: \u201cI\u2019ll show him,\u201d or \u201cI\u2019ll show her!\u201d It may be fear\u2014fear of the economy or whatever\u2014and \u201cI feel better when I spend.\u201d It may be poor communication between a husband and wife. There are a lot of things that cause the credit card debt\u2014it may be a lack of self-discipline\u2014and all of those are spiritual issues. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tDebt is just symptomatic of something <em>else<\/em> that is going on, which is why FamilyLife is such a critical ministry; because you\u2019re dealing with husband and wife communication at its very core. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>11:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI\u2019ve found that that\u2019s, generally, why people are in trouble. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And, generally, we are trying to practice what we are preaching to the couples. FamilyLife doesn\u2019t have any debt.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Right!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>We pay our bills off as they become due.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>If we don\u2019t have the money, we don\u2019t go out and spend it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Well, I happen to know also, that you cut your expenses\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Oh, yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>\u2014which was a very prudent, practical, wise thing to do. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>A young couple, like we are talking about here: \u201cWhere would you encourage them to look at cutting expenses?\u201d I mean, it seems like this whole culture is an entitlement generation, where we feel like we deserve all the electronic media \/ we deserve all the access to all the fun and games. It\u2019s difficult to know where to start to cut. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Well, you know, back in October of \u201908, when we saw this economy starting to go south, Judy and I took a look at our budget. We said: \u201cIs there a place we can cut? Do we need all this telephone service?\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>12:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe looked at our cell phones \/ we looked at cable TV: \u201cDo we really need what we are buying on cable TV?\u201d\u2014we cut that. We cut our clothes budget; we cut our eating out budget; we cut our vacation and entertainment budget. These were <em>all<\/em> nice things, but they were really discretionary when you got down to it. We cut our budget 25 percent, which <em>means<\/em> that we were overspending probably 25 percent, at least, before we started cutting. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>That\u2019s a good exercise for a couple to do\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Anybody!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014<em>once a year<\/em>\u2014and not in the middle of an economic downturn or challenge.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Right; right!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>I mean, just stop and ask the question: \u201cAre we using this? Do we need this?\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> It\u2019s easy for that stuff to just kind of creep in and become a part of your monthly expenses without any <em>scrutiny<\/em> going on. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>You get sloppy on it. With credit cards, it\u2019s so <em>easy<\/em> to buy things. Earlier on, in my career, professionally, I counseled people to pay cash; because it makes a lot of difference. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>13:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWhen you put out $30 or $40 for gasoline, for example, you think a little differently when you turn on the air-conditioning when you drive and so forth\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>\u2014rather than just swiping the card.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>\u2014just rather than swiping the card. Pay cash when you eat out \/ pay cash at the grocery store. Now, that sounds impractical in today\u2019s credit card society, and I don\u2019t know that every\u2014I think you need to do that until you establish some boundaries.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>That\u2019s a good thing to practice.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> I think of the Book of Ecclesiastes. You know, here was Solomon, who said he liked the vineyard, so he went and bought it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014bought it.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> He liked a palace, so he got a palace. He liked horses, so he got a whole stable full. He accumulated more wealth than any person who\u2019d ever lived before him. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI think this culture\u2014that is full of advertisements \/ always trying to convince us that what we have is not enough, and that we need these services, this entertainment, or this possession\u2014I can be gullible! \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>14:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIt\u2019s <em>amazing<\/em> how, in my mind, I can be walking down an aisle and say: \u201cYou know, I\u2019d like to have that! [Laughter] You know, I can justify that!\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>That\u2019s right!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>And you can always find someone to compare yourself to who has it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t[Laughter] I\u2019m just amazed at my rational thinking on this thing and, before long, if I\u2019m impulsive and not disciplined, I\u2019ll go get it; and then I\u2019ll regret it\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>\u2014especially if it\u2019s paid for with a credit card, which I pay off, of course; but, nonetheless, the impulsive purchase can easily be made at that point. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>Let me ask you, though\u2014there are some folks, Ron, who would look at what you are recommending and say: \u201cIf Americans did what Ron Blue wants us to do, you want to talk about an economic meltdown? Our <em>whole<\/em> economic system is built on Dennis getting out the credit card, buying what he wants.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: \u201c<\/strong>This is how we have what we have in this country. If we go to the four biblical principles Ron Blue is suggesting, we\u2019re going to be in a world of hurt!\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>15:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Absolutely; that is true,\u2014that if we went to a saving and investing economy, eventually, we\u2019d be better off\u2014but it would take a long time to get there, and there would be a lot of <em>pain<\/em> in getting there. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI tell people this\u2014I <em>know<\/em> that most of the people that hear me or read my books are not going to practice those four principles. But enough are that they are then prepared for any type of meltdown or any type of adversity. You don\u2019t know when you are going to lose your job. If you have got three to six months in your savings, and you have no debt other than maybe a mortgage, you are as prepared as you can possibly be. That is a <em>good<\/em> position to be in. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI would rather be on the <em>lending<\/em> side than the borrowing side. If I overspend $1,000 a year, that\u2019s $40,000 over a working life, ages 25 to 65. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>16:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThe lender, if he makes 12 percent on that $1,000 a year, has made $1,000,000 off of me. If I take a $2,000 credit card bill and pay the minimum payments\u2014and a $2,000 credit card bill is not that much--it will take me 32 years to pay it off, and I will have paid $10,000 back\u2014$8,000 in interest\u2014in order to borrow $2,000. See that just, <em>rationally<\/em>, doesn\u2019t make any sense. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tYes, our economy might collapse; but I\u2019d rather be on that side of running my life, according to biblical principles; because I will have done all that I can to provide for myself and my family. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>You know, I think it is Proverbs 6, where it talks about the ant\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014and how the ant is doing what Ron Blue says an ant ought to do. He\u2019s making sure that there is some set aside\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> \u2014and he\u2019s being prudent \/ he\u2019s being thoughtful. You\u2019re saying: \u201cIf we all became ants, we\u2019d have some hardship for a while and then things would work out.\u201d The reality is\u2014we aren\u2019t all going to become ants; are we?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>17:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>No; and the reason is that we live in a world that\u2019s fallen, and there is a sin nature out there. I\u2019ve read the Book of Revelation, and it\u2019s not a pretty sight until you get to Revelation 21 and 22. I know the end of the story. I think of what Jesus said to the church at Laodicea\u2014He said, you know: \u201cYou <em>think<\/em> [emphasis added] you are rich,\u2014\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> \u2014\u201cand you\u2019re not. You think you see, and you\u2019re not.\u201d Then he says, \u201cBehold, I stand at the door and knock, and if any man hears My voice and opens the door, I will come in to him and dine with him.\u201d We use it as an evangelistic verse, which is appropriate; but it\u2019s really written to Christians. It is saying \/ Jesus is saying: \u201cI\u2019m all you need. None of this other <em>stuff<\/em> is going to provide anything you are looking for\u2014contentment, joy, peace, any security\u2014none of that comes from your possessions.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>18:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>So, if you were sitting down with a young couple, who were just starting out as we talked about here, what would be your advice to them other than, very clearly: \u201cStay out of debt\u201d?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> And \u201cDon\u2019t get in over your head, and avoid consumer debt like the plague\u201d?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Where else would you suggest that they focus their efforts as they begin their marriage and family?\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>I would say they should be living off of a\u2014we call it a budget \/ I\u2019ll call it a spending plan. They should <em>plan<\/em> their expenses before they spend them\u2014so that if they have $1,000 for a vacation in their budget \/spending plan, they are free to spend the $1,000\u2014they don\u2019t have to feel guilty about that, and they\u2019ve planned for it. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo, they should have a budget. They should be saving money, a little bit anyway, out of money that comes in, so that they have some margin for error\u2014the car repair, the medical expense, the accident, whatever it may be\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> \u2014they\u2019ve got some money set aside. If they have a budget, and if they are committed to paying off their credit cards every month on <em>time<\/em>, and if they are saving some, they are doing all that they can do; and they are doing it well. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>19:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>Ron, you said something in there that I want to underline. You talked about\u2014if there is a car that breaks down, or an accident, or a health issue\u2014you didn\u2019t mention job loss, but that could occur in there as well.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Job loss; right.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> Most people aren\u2019t prepared to handle these unexpected crises and, as a result, their financial experience over a lifetime just moves from one crisis to another.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>Absolutely!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>They are constantly playing defense, and don\u2019t ever go on the <em>offense<\/em>. I can\u2019t imagine what that would feel like!\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron: <\/strong>That\u2019s one of the reasons that money is listed as a prime cause of divorce. It\u2019s really not money, but it\u2019s the lack of self-discipline \/ it\u2019s the lack of communication; because you eventually get to a point of absolutely being terrified\u2014you don\u2019t want to open the mail \/ you don\u2019t want to talk to your spouse or your family. It is a devastating thing to be financially\u2014 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>\u2014on the brink.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> \u2014on the brink. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>20:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, some people are going to live on the brink by their vocational choice or whatever, but they can still follow the principles. That\u2019s all that they can do, and they can do all that they can do.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis: <\/strong>I started today out by sending I Timothy, Chapter 6\u2014about verse 6 through verse 10\u2014to a friend. It\u2019s all about not falling in love with money but pursuing godliness and being content. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Ron:<\/strong> Yes.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Dennis:<\/strong> That\u2019s a hard choice for all of us to make on an ongoing basis, but it really is good to revisit the Scripture frequently to find out: \u201cWhat does the Bible have to say about money?\u2014about pursuing wealth and riches?\u201d There are a lot of cautions in the Bible about this, and I think we need to pay heed to that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>21:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThere are also some great authors, like Ron Blue, that can also help us in making <em>good<\/em> decisions in an economic crisis. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>Bob: <\/strong>And a lot of families continue to face challenging times, economically. Ron, I know you have a colleague, Russ Crosson, who has written a book that you have endorsed, called <em>8 Important Money Decisions for Every Couple. <\/em>It\u2019s a great book that outlines the basics\u2014the kinds of things you\u2019ve talked about here today\u2014that couples ought to pay heed to as they\u2019re navigating what can be some very challenging financial waters.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe\u2019ve got copies of the book, <em>8 Important Money Decisions for Every Couple<\/em>. If you go to our website, FamilyLifeToday.com, you can order a copy of that book; or you can call 1-800-FL-TODAY to request your copy. This is a great book for couples who are just starting out, or for couples who are at a point, where they say, \u201cWe\u2019ve got to take some steps\u2014here in the new year\u2014to get our finances back in control.\u201d \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>22:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tThis is a book that will lay out a game plan for you to do that. Go to FamilyLifeToday.com to get a copy of <em>8 Important Money Decisions for Every Couple, <\/em>or call us to request the book at 1-800-FL-TODAY\u20141-800-358-6329. That\u2019s 1-800-\u201cF\u201d as in family, \u201cL\u201d as in life, and then the word, \u201cTODAY.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSpeaking of money and finances, I haven\u2019t seen where things ended up for us at the end of 2016; I do know we had a lot of <em>FamilyLife Today <\/em>listeners who, over the last thirty days, got in touch with us to say, \u201cThis program really does matter to our family; but even beyond that, it matters to our community \/ it matters in this culture more than ever.\u201d Many of you got in touch to say: \u201cWe want to partner with you. We want to help reach more couples with more practical biblical help and hope for their marriages and their families.\u201d\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>23:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tWe appreciate those of you who made a yearend contribution to support the ministry of <em>FamilyLife Today. <\/em>We also appreciate those of you who are Legacy Partners with this ministry. Legacy Partners are those who, each month, make a donation to help support this ministry\u2014they provide the financial foundation \/ the backbone for this ministry. We couldn\u2019t do what we do without our Legacy Partners.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tSo we just wanted to say, \u201cThanks,\u201d first of all, to those of you who made a yearend contribution; and then, secondly\u2014those of you who have been faithful Legacy Partners with this ministry \/ some of you for many years\u2014\u201cThank you for your financial support and your partnership with us.\u201d Our goal, at FamilyLife, is to provide practical biblical help and hope for your marriage and for your family. We appreciate those of you who partner with us in making that happen.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<strong>24:00<\/strong>\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tIf you\u2019d like to find out about becoming a Legacy Partner, go to our website, FamilyLifeToday.com\u2014there\u2019s information available there\u2014or just call and say, \u201cI\u2019m interested in becoming a Legacy Partner\u201d; and we\u2019ll get you the information you need about how to do that. \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tNow, tomorrow, we\u2019re going to hear about some of the financial lessons Dennis Rainey learned from watching his father and see how our kids are learning a lot about how to handle money by watching <em>us<\/em>. Ron Blue will be back with us tomorrow. I hope you can be back here as well.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tI want to thank our engineer today, Keith Lynch, along with our entire broadcast production team. On behalf of our host, Dennis Rainey, I\u2019m Bob Lepine. We\u2019ll see you back tomorrow for another edition of <em>FamilyLife Today<\/em>.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<em>FamilyLife Today<\/em> is a production of FamilyLife of Little Rock, Arkansas. \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\tHelp for today. Hope for tomorrow.\n\t\t\t\t<\/p>\n\t\t\t\t<p>\n\t\t\t\t\t<strong>\u00a0<\/strong>\n\t\t\t\t<\/p>\n\t\t\t\n\t\t\t<p>\n\t\t\t\tWe are so happy to provide these transcripts to you. However, there is a cost to produce them for our website. If you\u2019ve benefited from the broadcast transcripts, would you consider <a href=\"http:\/\/wp-stage.familylife.com\/www\/donate\">donating today<\/a> to help defray the costs?\u00a0 \n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\tCopyright <sup>\u00a9<\/sup> 2017 FamilyLife. All rights reserved.\n\t\t\t<\/p>\n\t\t\t<p>\n\t\t\t\t<a href=\"http:\/\/wp-stage.familylife.com\/www\/\">www.FamilyLife.com<\/a>\u00a0 \n\t\t\t<\/p>\n\t\t\t\n\t\t\t\t<p>\n\t\t\t\t\t1\n\t\t\t\t<\/p>","theme_header_position":"","post_header_is_sticky":"","is_header_overlay":""},"_links":{"self":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast\/304326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast"}],"about":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/types\/podcast"}],"author":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/users\/91"}],"replies":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/comments?post=304326"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media\/294104"}],"wp:attachment":[{"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/media?parent=304326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/categories?post=304326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/tags?post=304326"},{"taxonomy":"podcast_series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/podcast_series?post=304326"},{"taxonomy":"cwp_profile","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/cwp_profile?post=304326"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/wp-stage.familylife.com\/www\/wp-json\/wp\/v2\/series?post=304326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}