Ric, thank you as always for your excellent insight. Today’s video meant a lot to me. Over the last three years, I have followed the advice you’re sharing. I used to make financial decisions on a “push comes to shove” basis—paying bills as they arrived without a plan. I started doing my homework about finances when I was at peace and had time to consider all options.

I also decided to read my Bible from cover to cover for the first time in my life. In five years, I’ve made up for a lifetime of financial neglect. It took me over a year to read my Bible, but it brought me peace, quiet, solitude, and time to reflect. Now, we’re comfortable in our golden years. God has blessed us in many ways, and I began writing them down. I plan to revisit those blessings from time to time and smile, realizing—like you said—that God was waiting for me to do my homework.

Thanks,