(upbeat music) (audience applauding)
Well thank you very much.
Okay, ah.
(audience laughing)
Well. (audience applauding)
I really do have questions
about people underestimate the impact
of things you do in your life.
He was on drugs for 10 years.
This changes your brain.
People think okay I got off
drugs so okay,
I'm back to normal.
No, you may not be.
It affects different people in different ways
and it affects the wiring
of your brains sometimes.
And then he got a hold of a high voltage wire
and it, when I
say it electrocuted him,
the report is it went through his body
and blasted him off the ground.
It went in through his hands and shot out his feet.
And launched him and he was
in the burn unit for weeks.
And you can't have that,
the brain is electrical and you have that
much input you can really fry some circuits.
You can change up
the neuro-transmitters in the brain
and in looking at the records
I can see nowhere that's ever been truly assessed.
So that has to be looked at.
Do y'all get the point about
you don't solve money problems with money?
Yeah.
I tell you it's like if you got members of your family
that come to you and say will
you loan me 5,000 dollars?
The answer needs to be not be no,
it needs to be hell no.
(audience laughing)
because if you want to give 'em 5,000 dollars
then give 'em 5,000 dollars but give 'em with no
expectations, no strings and don't
ever expect to see it again.
Or, if you've got a paper shredder
put it in the paper shredder
because you don't solve money problems with money.
People get in money problems because of behaviors,
because of patterns,
because of a lack of planning.
And if you give 'em money without changing
that it's gonna get sucked up
and they're gonna be right back where they were.
So you just wasted your money.
What you need to do is say no
but I'll sit down and help you evaluate
how you might have got in this situation.
And they're gonna say no I don't need your judgment.
But, that would be a better help
than giving them the money, right.
And the number one reason people
get in financial trouble,
do you know what it is?
Everybody thinks it's because young people
get credit cards.
And they don't realize what they're doing.
The number one reason people get into financial trouble
is unexpected medical emergencies.
That's the number one reason.
They got two incomes and they're both living
to the two incomes and one of 'em
loses their job because they have to go
in the hospital or they get sick
and now it goes from two incomes to one
and they can't pay for what they have.
They get behind, they go bankrupt.
And it's not because they were irresponsible
so much as it is something befell them
and they didn't have the kind
of coverage they needed.
And so it's just hard to discipline enough
to foresee that and put that money back
and put it back, put it back, put it back
until you've got your deductibles and all covered.
But that's really the number one reason.
But then they start making bad decisions
to try to get out of that.
Like you go put a 40 dollar,
they don't even have 40 dollars anymore,
140 dollar pair of tennis shoes
on a credit card and pay the minimum.
You pay 1100 dollars for 'em by the time
you pay 'em off.
And they don't get that
so that's why you don't
solve money problems with money.
(upbeat music)