A Lifestyle Of Prayer (Matthew 6:5-15)

A LIFESTYLE OF PRAYER

Matthew 6:5-15

 

Peter Greig writes in How to Pray: A Simple Guide for Normal People:

I was stranded in Chicago. An Icelandic volcano eruption grounded all airplanes, and I couldn't get home to England. I asked God how he wanted me to use the interruption. Several American friends had already been kind enough to invite me to stay, but as I prayed, I found myself thinking about a particular friend who lived 150 miles west in Madison, Wisconsin. "Hey, I'm in Chicago," I e-mailed. "Can I come crash on your couch?"

I didn't know that Joe had just received terrible news, nor that his worried wife had asked, "Who do you wish you had on your couch right now?" Those had been her exact words. Nor that he had replied, "I wish Pete were on my couch, but I know that's crazy because he's in England, and he's never even been to our home."

The prophet Malachi says that "those who feared the LORD talked with each other, and the LORD listened and heard" (Mal. 3:16). Sometimes God listens to our casual conversations and receives them as prayers. Within hours of Joe's throwaway line, I found myself on his couch."[1] That is precisely what a prayer should be like for all God's people: a normal conversation between two close friends. Nothing magical or mystical about it.

 Tyler Staton, in his book "Praying Like Monks, Living Like Fools describes prayer as an invitation to learn to listen to God before speaking, to ask like a child in your old age, to scream your question in any angry tirade, to undress yourself in vulnerable confession, and to be loved—completely and totally loved, despite everything. And yet most people, even most Bible-believing Christians, find little life in prayer. Prayer is boring, obligatory, confusing, or most often all of the above."[2]

How can we overcome a misguided understanding of prayer and cultivate a vibrant, rewarding prayer life? How could we enter into a conversational relationship with God, where we talk to Him, let Him talk to us, and allow Him to guide our lives to His purposes? We will turn to our Lord Jesus, who taught His disciples to pray and modeled prayer by praying regularly at set times throughout the day and at times all night. The only way to learn to pray is by praying. We will explore the modeled prayer, often called the Lord's Prayer, in Matthew 6:5-15.

The 24/7 prayer team, founded by Peter Craig, divided the Lord's Prayer into two sections. The first section lets us into God's World, and the second lets God into ours. I thought it would be an easy way to get a broader understanding of this model prayer. Part I.

I. Entering into God's World through Prayer.

Matthew 6:9-10: This, then, is how you should pray: "Our Father in heaven, hallowed be your name, Your Kingdom come, your will be done, on earth as it is in heaven." Jesus begins the prayer not with "My Father" but with "Our Father." Can you imagine the impact of this phrase?

During the time of the last prophet, Malachi, the Israelites had forgotten that they belonged to God's covenantal family and became unfaithful to one another. The last prophet called them back to God, saying, "Do we not all have one Father? Did not one God create us? Mal 2:10. Jesus picked up where Malachi left off and called people to return to God their Father. Every time we pray, "Our Father in Heaven," we are connected to God's Worldwide Family.

 

Hallowed be your name. The word hallowed means "to make holy," or "to set apart, sanctify, consecrate, dedicate." The closest commonly used English word is probably "honor." Our Father reminds us of God's intimacy; "hallowed" reminds us of His separateness, His majesty, and His incomprehensible greatness.[3] We call God our Father, but we also worship, honor, respect, and obey Him as He is the all-powerful and sovereign God of the universe.

Your Kingdom come, your will be done on earth as it is in heaven. In the earthly realm, the most powerful people are kings, presidents, etc., but God is greater than them. Deut 10:17: "For the LORD your God is God of gods and the Lord of lords, the great God, mighty and awesome." King David declared, "The Lord reigns; he is robed in majesty; the Lord is robed in majesty and armed with strength; indeed, the world is established, firm and secure." Ps 93:1

Daniel prophesied about God's everlasting Kingdom. Dan 2:44: "In the time of those kings, the God of heaven will set up a kingdom that will never be destroyed, nor will it be left to another people. It will crush all those kingdoms and bring them to an end, but it will itself endure forever." The implications of "Let your Kingdom come. Let your will be done on earth as it is in heaven," are that the rule and reign of God's Kingdom begin in our lives and throughout the earth. It also calls us to adopt a servant's attitude: We are ready to do our master's will.

Once we take the posture of the Lord's servant, as Staton notes, we clearly ask that God's Kingdom come where it is absent—friends outside a relationship with Jesus, needs in our city and world, challenging circumstances, and physical or mental illnesses. Ask for Jesus to come—anywhere and everywhere you know God's Kingdom of love and peace is absent."[4] Part II.

II. Inviting God into our World through Prayer

            God is not only concerned with heavenly matters but also deeply involved in the mundane matters of His Children here and now. The second part of the prayer invites God into our world, where He will address our daily needs, relationships, and fears. We pray to our Father, "Give us today our daily bread." We will learn how God will provide another time, but for now it is sufficient to know we can boldly ask our heavenly Father to provide for all our needs.

            Ample biblical and historical records show how God has met people's physical needs. God provided for over 6000 people in the desert for 40 years with food, water, and clothing, to teach them daily reliance on Him. ( Deut 8:3-5). George Müller was an English evangelist. During his lifetime, he cared for over 10,000 orphan children by relying on God.

"For example, on one occasion, they gave thanks for breakfast while all the children sat at the table, even though there was nothing to eat in the house. As they finished praying, the baker knocked on the door with sufficient fresh bread to feed everyone, and the milkman gave them plenty of fresh milk because his cart had broken down in front of the orphanage."[5]

Matthew 6:12, "Forgive us our debts, as we also have forgiven our debtors." In Greek, sins are designated by two words: one translated here as debts and the other in v. 14 as transgressions. Here, sin does not refer to the original sin of Adam, which results in eternal death and only Jesus could forgive. Rather, these are minor offenses, faults, and willful overstepping of boundaries. If we want God to forgive our offenses, we must forgive those who offended us from our heart. For more on forgiveness, I refer you to Tim Keller's book, "Forgive." 

Matthew 6:13: "And do not lead us into temptation, but deliver us from evil one." God doesn't tempt people (James 1:13). He may subject His children to trials and testing. Even if He does, He will not test us beyond what we can bear; He will also provide a way of escape (1 Cor 10:13). So, our prayer is less about testing and more about protection from the evil one, Satan, since we are no match for Him. Jesus concludes the prayer by reminding us that ultimately the Kingdom, the power, and the Glory belong to God alone now and forever. Amen!

III. Cultivating A Lifestyle of Prayer.

            When it comes to prayer, who should pray, and how often should we pray? It is like asking which of you wants to live and how often you should breathe. Just as oxygen allows us to live, our spiritual lives depend on prayer. For that reason, Scripture advises us to pray continually. 1 Thess 5:17. We need to be disciplined and intentional in our prayers.

In the Bible, we find several prayers and models of disciplined men and women of prayer. Daniel prayed three times a day (Daniel 6:10). Like many Jewish people of that time, Jesus and the disciples observed the rhythms of morning, noon, and evening prayers. On the way to a 3:00 P.M. prayer meeting, Peter and John healed a lame beggar and were arrested (Acts 3). I can give you many examples, but you get the point. For Jesus and the early disciples, prayer was not just a one-time event but a lifestyle. Here, I suggest we practice the Lectio 365 Plan.

 

 

 

 

 

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[1] Pete Greig, How to Pray: A Simple Guide for Normal People (2019 NavPress), pp. 151-152

[2] Tyler Staton, Praying Like Monks, Living Like Fools, page

[3] Tyler Staton, Praying Like Monks, Living Like Fools, page 61

[4] Tyler Staton, Praying Like Monks, Living Like Fools, page 114

[5] https://en.wikipedia.org/wiki/George_M%C3%BCller 

Be Anxious For Nothing (Philippians 4:4-7)

                                                         BE ANXIOUS FOR NOTHING

(A Biblical and Therapeutic Framework)

Philippians 4:4-7

Author Tries to Find a "Cure" for His Anxiety

In an article in The Atlantic magazine, Scott Stossel shares openly about his lifelong attempts to deal with the anguish of anxiety. From an early age, he's been what he calls "a twitchy bundle of phobias, fears, and neuroses." Stossel writes: "Even when not actively afflicted by acute episodes [of anxiety], I am buffeted by worry." Stossel adds, "Here's what I've tried [to deal with my anxiety]:

Individual psychotherapy (three decades of it), family therapy, group therapy, cognitive-behavioral therapy, rational emotive behavior therapy, acceptance and commitment therapy, hypnosis, meditation, role-playing, interoceptive exposure therapy, in vivo exposure therapy, self-help workbooks, massage therapy, prayer, acupuncture, yoga, Stoic philosophy, and audiotapes I ordered from a late-night TV infomercial.

And medication. Lots of medication. Thorazine. Imipramine. Desipramine. Chlorpheniramine. Nardil. BuSpar. Prozac. Zoloft. Paxil. Wellbutrin. Effexor. Celexa. Lexapro. Cymbalta. Luvox. Trazodone. Levoxyl. Inderal. Tranxene. Serax. Centrax. St. John's wort. Zolpidem. Valium. Librium. Ativan. Xanax. Klonopin. Also: beer, wine, gin, bourbon, vodka, and scotch.[1] Here's what's worked: nothing.

This story could show us either 1. The deep pain and powerlessness of dealing with crippling anxiety or other mental health issues, or 2. Our need for God's grace and power to help us in our weakness. Many have tried to find a cure for anxiety; has anything helped them? I am not minimizing the pain of anxiety. We have all, at one time or another, experienced it, and some may be going through it right now. I want to present a pathway to overcoming anxiety.

A biblical and therapeutic framework is found in Philippians 4:4-7. Be Anxious For Nothing! When we hear these words, our first reaction might be, "Who is this guy?" He might be either insane, immune to the normal pain and struggles of life, or ignorant of the current reality. These words come from a letter from Paul to the believers in the Church of Philippi.

Where was Paul when he wrote this letter, and what gives him credibility over this bold command to be anxious for nothing? The church in Phillipi was the first congregation Paul established in Europe, following the conversion of a rich businesswoman named Lydia and the miraculous conversion of the jailer and his entire household during Paul's imprisonment. (Acts 16:16-40). Ten years after that, Paul was in jail again for advancing the Gospel. This time, he was in a Roman prison. Phil 1:13: From there, he wrote a letter to the Philippian believers.

Besides being in prison, what pain and struggles did Paul endure? You may wonder. Paul doesn't shy away from sharing his troubles; in fact, he described them in graphic detail in another letter to the Church in Corinth while challenging those who doubted his credibility.

II Cor 2:23-31, "Are they servants of Christ? (I am out of my mind to talk like this.) I am more. I have worked much harder, been in prison more frequently, been flogged more severely, and been exposed to death again and again. ²⁴ Five times I received from the Jews the forty lashes minus one. ²⁵ Three times I was beaten with rods, once I was pelted with stones, three times I was shipwrecked, I spent a night and a day in the open sea, ²⁶ I have been constantly on the move.

 

I have been in danger from rivers, in danger from bandits, in danger from my fellow Jews, in danger from Gentiles; in danger in the city, in danger in the country, in danger at sea; and in danger from false believers. ²⁷ I have labored and toiled and have often gone without sleep; I have known hunger and thirst and have often gone without food; I have been cold and naked. ²⁸ Besides everything else, I face daily the pressure of my concern for all the churches. ²⁹ Who is weak, and I do not feel weak? Who is led into sin, and I do not inwardly burn? If I must boast, I will boast of the things that show my weakness. ³¹ The God and Father of the Lord Jesus, who is to be praised forever, knows that I am not lying."

 

 Here is Paul, who knew what hardship and anxiety felt like. Yet he offers a threefold framework for overcoming anxiety, consisting of a deliberate choice, a blessed assurance, and a lifestyle of prayer and thanksgiving. I. A deliberate choice to rejoice. "Rejoice in the LORD always. I will say it again: Rejoice. Phil 4:4. We feel anxious when we hear sad news or a terrible diagnosis. This can lead to physical, mental, and behavioral challenges. These can include a racing heart, nervousness, fear, difficulty focusing, fatigue, headaches, and insomnia.

Rejoicing in the Lord over and over again doesn't come easily when we go through angst and anxiety in life; it is a deliberate choice we make despite glaring, troubling situations and circumstances. Rejoicing in the LORD doesn't mean ignoring the painful problems in life, Infact we name them before God, yet we choose to rejoice in the Lord through singing and praising Him. Next time you feel afraid and anxious, instead of seeking help from physical substances, give yourself to singing joyful songs of praise and worship, and see how your focus shifts; you might even find deliverance from your troubling situation. Acts 16:25

II. A blessed assurance of God's Presence. Vs 5

Vs. 5: "Let your gentleness be evident to all. The Lord is near." When we go through troubles, hardships, and anxiety, it is normal to lose our cool, get upset, and get angry, and we can even hurt ourselves and others. Certain physical health conditions can aggravate us and leave us agitated beyond our control; it is hard to remain gentle during such situations.

What keeps us gentle and even helps us overcome our anxiety? It is the blessed assurance of God's abiding presence. Knowing that God is near means I have nothing to fear. Just imagine this: when God is next to you, walking with you every step of the way, is there anything you can be afraid of? Is there anything you and the Lord cannot handle?

Most of our problems arise not because God is incapable of handling difficult situations in our lives, but because of our overconfidence, thinking we can and want to live without God and on our own terms. If that is our attitude, we suffer anxiety. But when we realize that God is near me, and though the whole world may reject me, my Lord Jesus will never leave or forsake me, as He has promised. My racing heart will find rest, and crippling fear and angst will give way to calmness and stability—for example, when I lead a YWAM center in the main leader's absence. One of God's names is Immanuel, which means God with us.

Let's see how Jesus comforted and promised his grieving and anxious disciples. John 14:1-3, "Do not let your hearts be troubled. You believe in God^[a]; believe also in me. ² My Father's house has many rooms; if that were not so, would I have told you that I am going there to prepare a place for you? ³ And if I go and prepare a place for you, I will come back and take you to be with me that you also may be where I am." This will be our glorious future.

But how about today? In a world full of troubles and angst, how did Jesus assure us of his abiding presence? John 14:15-18: "If you love me, keep my commands. And I will ask the Father, and he will give you another advocate to help you and be with you forever—the Spirit of truth. The world cannot accept him, because it neither sees him nor knows him. But you know him, for he lives with you and will be in you. I will not leave you as orphans; I will come to you." No matter what you are going through, reach out to the Holy Spirit that lives inside of us.

III. A Lifestyle of Prayer and Thanksgiving.

            The third element in overcoming anxiety is to cultivate a lifestyle of prayer and thanksgiving. Phil 4:6: "Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God." Cultivating a lifestyle of prayer takes discipline and intentionality. When we pray, we come into the presence of Almighty God, the Creator and Sustainer of the universe. We approach the throne of the King of Kings and the Lord of Lords. What qualifies us to enter the presence of such a powerful King?

The President and the Little Boy

During the war between the states, a young soldier in the Union Army lost his older brother and his Father in the Battle of Gettysburg. The Soldier decided to go to Washington, D.C., to see President Lincoln and ask for an exemption from military service so he could return to help his sister and mother with spring planting on the farm. When he arrived in Washington, after receiving a furlough from the military to plead his case, he went to the White House, approached the front gate, and asked to see the president.

The guard on duty told him, "You can't see the president, young man! Don't you know there's a war going on? The president is a very busy man! Now go away, son! Get back out there on the battle lines where you belong!"

So the young Soldier left, disheartened, and sat on a little park bench not far from the White House when a little boy came up to him. The lad said, "Soldier, you look unhappy. What's wrong?" The Soldier looked at the little boy and began to spill his heart to him. He told of his Father and his brother being killed in the war, and of the desperate situation at home. He explained that his mother and sister had no one to help them with the farm.

The little boy listened and said, "I can help you, soldier." He took the Soldier by the hand and led him back to the front gate of the White House. Apparently, the guard didn't notice them, because they weren't stopped. They walked straight to the front door of the White House and walked right in. After they got inside, they walked right past generals and high-ranking officials, and no one said a word. The Soldier couldn't understand this. Why didn't anyone try to stop them? Finally, they reached the Oval Office—where the president was working—and the little boy didn't even knock on the door. He just walked right in and led the Soldier in with him. There, behind the desk, were Abraham Lincoln and his Secretary of State, looking over battle plans that were laid out on his desk.

The president looked at the boy and then at the Soldier and said, "Good afternoon, Tad. Can you introduce me to your friend?" And Tad Lincoln, the son of the president, said, "Daddy, this soldier needs to talk to you." The Soldier pled his case before Mr. Lincoln, and right then and there he received the exemption that he desired.[2]

We are like little children who have access to the Father because Jesus Christ intercedes for us. Because of Christ, we have peace with God. We can come to him anytime, anywhere. "But now in Christ Jesus you who once were far away have been brought near through the blood of Christ. For he himself is our peace, who has made the two one and has destroyed the barrier, the dividing wall of hostility…For through him we have access to the Father." (Ephesians 2:13, 18). When we bring our petitions and prayers with thanksgiving, this is what happens to us. The Peace of God, which transcends all understanding, will guard our hearts and minds in Christ Jesus our Lord. There goes our anxiety out the window, and the Peace and Joy will return. Amen!

 

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[1] Scott Stossel, "Surviving Anxiety," The Atlantic (12-22-13) https://www.christianitytoday.com/pastors/preaching/sermon-illustrations/author-tries-to-find-cure-for-his-anxiety/ 8-25-2026

[2] https://youthays.wordpress.com/a-z-illustration/the-president-and-the-little-boy/

Biblical Significance Of Giving

                                                          Biblical Significance of Giving

Matthew 6:1-4

 

It's a common assumption that kids today care more about getting than giving. But in an emotional, viral video, kids show that while they may love Lego sets and Xbox gaming systems, they love their parents even more. In the video, children from the Boys & Girls Clubs of Metro Atlanta, from low-income backgrounds, are given a gift for themselves and a gift for their parent. They are then told to choose between the two.

Video maker Rob Bliss says 80 percent of the kids he interviewed chose to give their parents a gift rather than keep the toys they were offered. Aaron Freeman, 9, is shown deliberating between keeping Minecraft Lego sets for himself and choosing jewelry for his mother. It only takes a moment before Aaron knows his answer. "Legos don't matter," he says confidently in the video. "Your family matters—not Legos, not toys—your family. So, it's either family or Legos, and I choose family."

"These kids really don't have much," said Bliss. "One of them told me they don't have a Christmas tree because things have been tough financially for his family. Getting the gift he wants for Christmas is unlikely. So, to face the gift he always wanted but never got and still choose a gift for his family is amazing."

One parent said, "We were touched by the selflessness displayed by our kids." These moments reaffirm that even though they are young, they can still drive positive change through acts of kindness and generosity. In the end, because they put family first, the kids were allowed to take both presents home.[1] This illustrates what happens when kids choose between receiving gifts and giving. Winston Churchill noted, "We get to make a living. We give to make a life."

The secular world is recognizing the need to teach our children the difference between selfishly grabbing gifts and giving. What is the basis for this awareness? As Dave Ramsey, the financial guru, rightly noted, "There are several things to be learned about money from Scripture, and the concepts of generosity and giving are in there."[2]

After teaching Kingdom principles that prevent heartache and promote healthy relationships, Jesus turned to an important subject: giving, especially to those in need. Today we will explore the Biblical significance of Giving, including: Why Do We Give? How to give and how not to give? What are the benefits of giving? Matthew 6:1-4

I. Why Do We Give?

            In His teaching, Jesus contrasted the Old Testament Law six times, showing how it was often misunderstood, and He gave them the right perspective and renewed emphasis. He concluded those contrasts with a profound statement: "Be perfect, therefore, as your heavenly Father is perfect" (Matt 5:48). In other words, He challenged them to become more like Christ, since the Father and Jesus are the same. Being Christlike involves following His lifestyle.

Scripture strongly encourages giving and practices it voluntarily; in some situations, it is mandatory. The Israelites were required to give 10 percent of their crops and livestock to the temple. These offerings were not meant for God, because God doesn't need our sacrifices. They were set aside for the needs of the Levites and their families (Num 18:21-24).

The Levites also tithed from their tithes (vs. 25). Tithes were also used to celebrate festivals and to support the poor of the land, the foreigners, the orphans, and the widows (Deut 14:22-29). When the Israelites obeyed this law and honored God with their tithes, God blessed the works of their hands. But when they ignored it, God cursed the land and sent famine and starvation among the people (Mala 3:6-12). The Mosaic Law was fulfilled in Christ, as he said, "I have not come to abolish them but to fulfill them" (Matt 5:17). Christ fulfilled the entire law.

NT believers are not obligated to tithe; however, we are strongly encouraged to give voluntarily to the Church's needs (I Cor 9:13-14). Though the ministry setting has been changed, the needs haven't. We bring our generous, freewill offerings to the Church for its various ministry needs, such as the pastor's salary, building maintenance, helping the poor and needy among us, and the costs involved in spreading the good news. Second, when we give generously, we become more like Christ. God is the most lavish giver in the world. His beautiful, bountiful creation testifies to His generosity. Above all, He gave His only begotten Son, Jesus Christ, who ultimately gives us the greatest gift of all, the salvation of our souls (John 3:16).

Third, we give because we belong to God. Scripture tells us that the whole earth belongs to God. The Psalmist notes in Psalm 24:1, "The earth is the LORD's, and everything in it, the world, and all who live in it." How about us? As believers, we have no claim on ourselves. As I Cor 6:19-20 says, "Don't you realize that your body is the temple of the Holy Spirit, who lives in you and was given to you by God? You do not belong to yourself, for God bought you with a high price. So, you must honor God with your body."

One way we honor God with our bodies is by willingly and joyfully giving back to God our time, talents, possessions, and money. Some may object to this, saying, " Wait a minute, you mean I have to give away my hard-earned money? Really! When has it become your own money? For that matter, is there anything in this world that truly belongs to you?

Paul challenges this notion of "my money," "my property," etc., while writing to the Corinthian believers. I Cor 4:7: "For who makes you different from anyone else? What do you have that you did not receive? And if you did receive it, why do you boast as though you did not? NIV. "So don't be misled, my dear brothers and sisters. Whatever is good and perfect is a gift coming down to us from God our Father, who created all the lights in the heavens. He never changes or casts a shifting shadow." James 1:16-17, NLT

Everything we have and will ever have comes from our heavenly Father, including our very own bodies. The properties and wealth we think we own are actually given to us by God to enjoy temporarily and to bless others. We are like the stewards of God's property. Therefore, we should honor God with our bodies and with all our possessions. As a Christian Holocaust survivor, Corrie Ten Boom once said, "Hold everything in your hands lightly, otherwise it hurts when God pries your fingers open."  When it comes to giving to God, how much giving is too much giving? What matters is not how much we give, but how we give; our attitude matters.

II. How to give and how not to give?

            Jesus, while addressing the hypocritical giving of the Pharisees, said this: Matt 6:2, "So when you give to the needy, do not announce it with trumpets, as the hypocrites do in the synagogues and on the streets, to be honored by others. Truly I tell you, they have received their reward in full." When giving to the needy, don't put on a BIG show! Don't publicize it! That's what people in the world do, and that is the only reward of recognition they get from people.

 

 

            Instead, let our giving be done in secret; let's not brag or boast about how much we give to be recognized and applauded. When we give to the needy, think that you are giving to God our heavenly Father, who secretly observes our giving and rewards us accordingly. How else to give and not to give? When it comes to giving, the sowing-and-reaping principle plays a key role.

II Cor 9:6-8: Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. ⁷ Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. ⁸ And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work."

III. What are the benefits of giving?

            Bible-believing Christians and even secular people agree that giving has many benefits. If many problems in the world stem from human Greed, giving is the antidote to cure the disease of Greed, which Scripture equates with idolatry condemned by God. Giving blesses us and others.

As Scripture says, it is more blessed to give than to receive. Acts 20:35. Pro 11:24-25. One person gives freely, yet gains even more; another withholds unduly, but comes to poverty. A generous person will prosper; whoever refreshes others will be refreshed." I learned from my mother to be generous to meet God's people's needs. When we meet God's people's needs first, God will meet our needs. God met the needs of the widow and her son during a famine in 1 Kings 17:7-16. “Whoever is generous to the poor lends to the Lord, and he will repay him for his deed.” Prov 19:17. Let us be generous to those in need; we will reap rich rewards from God.

 

 

 

 

 

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[1] Terri Peters, "Touching Video Shows What Happens When Kids Choose Between Gifts And Giving?," Today.com (11-30-16)

[2] https://www.brainyquote.com/quotes/dave_ramsey_864757