I also had the opportunity to speak to the congregation about Financial Peace University. Usually when I speak in front of people part of my brain goes away to a happy place and the mouth just does its thing until my time is up. This time; however, I actually prepared, and made notes, and thought about what I would say before I got up there. That worked out pretty good, so “sorry” to all my speech teachers in school – you were totally right and I was wrong.

I do, apparently, have to start numbering my points. Derin was cool enough to point out that I delivered first, second, second, second, and last points during the speech. Oh well, those middle ones were tied for significance anyway.

We did have a few sign-ups to come to the preview class which, by the way, is free and is taking place on January 7th, so that was encouraging. It is no secret that it comes highly recommended from me. There is something for everyone in there – even those of you that have handled every dollar perfectly from the very first – I know, that’s everybody

In his book, The Total Money Makeover, Dave Ramsey recalls a pastor he had that said living right is difficult, but not complicated. It applies to almost everything, especially money. He goes on to say there are no “secrets of the rich” because the principles they use to become so aren’t secrets. Being a movie star or founding Microsoft would be the rarest of exceptions to the rule, that being that almost every millionaire in America did it the hard way. Hard, but not complicated.

I think we (humans) like to make things more complicated than they need to be because it creates more points of failure. More points of failure means more opportunities for excuses when we fail. I should expound upon that someday…

But not today! Looks like this’ll be the last from me until after Christmas, which we’ll be spending up in Iowa with the family.

Merry Christmas to everyone and travel safe!