Participants: Yvonne Lewis (Host), Ryan Mack
Series Code: DAS
Program Code: DAS000003S
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00:30 My name is Yvonne Lewis, and I'm the co-host for this
00:33 program, and our primary host is Ryan Mack, 00:37 Financial Literacy expert. Yeah, Ryan! 00:40 Always good to be with you. 00:41 Oh, it's great to be with you! 00:43 These lessons on financial literacy are just powerful 00:47 Right, I mean this is a... 00:49 We have a lot of things to cover, and the bottom line is 00:52 so many ways that the Scripture is 00:54 empowering our lives. 00:55 And I just feel very blessed to be here. 00:58 Yeah, you know, I love the fact that each program starts with a 01:02 Scripture, because it just reinforces the idea that 01:07 Scripture is relevant. 01:08 That we don't have to think, Oh, you know, 01:11 the Scriptures back in the day. 01:13 No, Scripture is relevant for today. 01:16 And so we can really find everything you need 01:20 is right in the word. 01:22 All you have to do is search. 01:25 God has given us everything we need. 01:27 So we're going to start today with the Scripture, 01:30 and then Ryan's going to take us into our lesson. 01:33 We have the Scripture for the day, again as a financial base, 01:37 but Galatians 6:9, because the theme of the day 01:40 is Singles Struggles. 01:42 And there are a lot of parents out there who are raising their 01:47 children by themselves, men and women. 01:49 I was raised by a single parent. 01:52 You said you were a single parent at one point. 01:55 And, again, I don't have any children, but I can't imagine 02:00 how challenging it would be. 02:01 So I found this Scripture that I think that, hopefully, 02:05 it resonates with those individuals out there. 02:08 And, hopefully, it resonates with you out there. 02:10 So this is Galatians 6:9. 02:21 And, you know, I just thought about my mother when I 02:25 read that Scripture. 02:26 And, you know, raising two kids by herself, and the things that 02:31 she had to go through. 02:32 And, again, I would see her sometimes make this sigh, 02:35 sometimes when she'd get home from work: that Ahhhh! 02:38 You know? And then she would go and make dinner. 02:40 And at the time, I remember just as clear as day, she had to be 02:45 making maybe $13,000 or $14,000 a year. 02:49 And here she has these two children that 02:52 she has to provide for. 02:53 And it doesn't stop. 02:55 I mean, our stomachs don't not get hungry. 02:58 We have to eat, we have to, we have clothes, and we have 03:03 to have a roof over our heads. 03:04 So the responsibility is constant, even... 03:07 I just couldn't imagine that. 03:10 So, I mean, were your experiences similar? 03:13 Or how was it being a single parent? 03:16 I mean you have a different perspective on it obviously. 03:18 Yeah, for me when I was a single parent I had already had a 03:25 career, and so, and that career had been pretty lucrative, 03:30 so financially I was okay. 03:32 I had different times of having issues because 03:36 I was self-employed. 03:38 But you still have so many responsibilities, 03:42 and so many things. 03:44 Because you're juggling. 03:45 You're wearing all these different hats. 03:47 So you're Mom at home. 03:48 You're a professional person outside the home. 03:52 And you have to make sure that you... for me... 03:56 I mean I grew up in kind of a traditional home where the wife 04:00 cooks, and, you know, makes sure her children are fed. 04:04 And so that's what my Mom did for me, 04:06 and she was a professional woman. 04:09 So I had to do that for my children: make sure that they're 04:11 fed, make sure that I help them, and teach them lessons. 04:16 And yet I had to wear that other hat, too, because I'm the mother 04:20 and the father in the home. 04:22 Thankfully my boys were close to their dads. 04:26 But still I was mom in the home, and I had to make sure of that. 04:30 So you're wearing all these different hats, and it is really 04:33 not an easy thing. 04:35 Well, I was close to my father as well, but again, 04:38 seeing him every other weekend is a little bit different than 04:43 constant and consistent. 04:45 I remember my mother would tell us stories about 04:48 how she had to budget. 04:50 And she would go, again she didn't have a lot of money, 04:53 so she would go over to the rich part of town in Detroit, right? 04:59 And she would look at the Somerset Malls. 05:01 And that's one of the fancy malls in the suburbs of Detroit. 05:06 And she would window shop at these malls, 05:08 but she couldn't afford to buy anything. 05:10 And then she would go back on her side of town where we lived 05:14 and she would go to the thrift store. 05:16 And the same thing she saw in the window of the fancy stores 05:21 she would buy in the thrift store, or something close to it. 05:24 Wow! So, you know, it might be a 3 or 400 dollar outfit that she 05:28 would buy for 5 and 10 dollars at the thrift store. 05:31 And I remember the days of Wonder Bread Pizzas, 05:36 and government cheese, and tomato paste, 05:39 and all those things, and that was our pizza. 05:42 And our movie night was watching the black and white screen. 05:46 And my brother and I would rotate between who held the 05:49 antenna, the wire antenna in the television. 05:53 And we would go to the dollar movies, get the fifty cent 05:57 popcorn, and then bring the popcorn back home, 06:01 and watch it on the black and white television 06:03 for movie nights. Wow! 06:04 So I remember those days, and I didn't really have a 06:10 perspective of exactly what she was going through, 06:12 because we were always happy, we always had food, 06:16 we always had clothes on our back, 06:19 and a roof over top of our head. 06:20 And one thing I learned that my mother taught 06:24 me was contentment. 06:26 And I've said this before, but I think it bears repeating, that 06:31 contentment does not mean I'm happy to be broke. 06:33 Ha ha ha! Well, you have to say that again. 06:37 Contentment does not mean I'm happy to be broke. 06:40 Uh huh. Contentment means that despite my state, I can smile. 06:44 And I can smile not because I'm happy with my state, 06:49 but I'm happy in my state. 06:51 What a great differentiation here. It is. 06:55 Because that saying, you know, because Paul tells us to be 07:01 content in whatever situation we're in. 07:03 But I love the distinction here, because it's not being content 07:10 with it, it's being content in it. 07:13 Meaning that you can change that state. 07:16 And she, and I learned a lot. 07:19 My first financial lessons came from my 07:23 mother and that situation. 07:24 She eventually got a new job, and then she was 07:28 dressed nice all of the time. 07:29 So she moved up the ladder of success, and she eventually 07:32 became the first black female Director of Admissions at any 07:36 public university in Michigan. 07:37 She bought her own home. 07:39 And it was amazing just seeing her do that. 07:43 And in looking back on it I started, I said, Wow! You know, 07:46 what she really had to do a lot of things. 07:48 And again, my father was there as well. 07:50 But again, it's just to be that single parent where you can't 07:56 take a nap. That's right! 07:59 And I mean, I can't imagine not being able to take a nap. 08:02 I just... So I think about that. 08:05 I think about the many single parents all across this country 08:08 who are doing such tremendous work. 08:11 I have a good friend of mine, Kenyetta Campbell, and she is 08:15 actually running not one but two non-profit organizations 08:18 in the city of Detroit. 08:19 And she's doing a great job! 08:21 She has two children, and she's very successful. 08:25 She just won Organization of the Year, and all the while 08:30 being a single parent. 08:31 And so there Chanel Jackson, who just had a child, 08:35 who is now eleven months old, and she is very successful; 08:39 used to be a State Rep. and is also a single parent. 08:43 I mean the list goes on and on and on of people that I think 08:47 are just doing amazing feats. 08:49 They're doing heroes work, or heroines work, and I think they 08:54 need to be commended. 08:55 And I just wanted to dedicate this show to them and see if we 08:57 can just provide some sort of a guidance and tips about, 09:00 that can give them a little bit of light, to maybe give them 09:04 a little bit of assistance. 09:06 That's great! And there are some dad's, too, who are raising 09:09 their children without the mom. 09:12 It's more prevalent to be a single parent female, 09:16 and raising children. 09:18 But there are some dads who are also raising children. 09:23 And it, you know, when you're doing it you often feel like 09:28 this is a two parent thing. 09:29 This should really be a husband and a wife. 09:32 But it doesn't work out that way all the time. 09:36 And so, you know, you just do the best you can. 09:40 Right. You know, but God is there. 09:42 And I know with me, with my children, God was there 09:46 and provided for us, and made sure that I was working. 09:49 And we had some hard times, too, from time to time. 09:53 But the Lord was... He always provided. 09:55 And that's one thing that, you know, if you're going through 09:59 something, a struggle, you can always turn to God, and He will 10:02 direct you as to what to do; how to navigate 10:05 through that dark time. 10:07 The Lord will show you that. 10:09 And the Lord was in our household every single second 10:13 of us growing up. I could feel Him. 10:15 I can just thinking back on the many experiences that we've had, 10:19 and I think that planning, that being able to have that 10:25 attention, that love, all of these things are found 10:28 in the word of God. Uh hum. 10:30 And, again, you can go to a counselor, and many single 10:35 parents do, and I have many times advocate individuals 10:38 going to the divorce attorneys. 10:40 But this word is the greatest counselor that we could have. 10:44 And its... I just urge... My mother still to this day she 10:48 said she reads a Scripture every single day. Uh hum. 10:51 And she'll tell me what she read for that day. 10:54 And I think that gave her that grounding, that foundation 10:58 just to make it through. 11:00 Absolutely! You have to have, you have to be anchored 11:03 to make it through. 11:05 Absolutely! So I have a few tips. Okay, good. 11:08 The first tip is creating a road map for your life. Right? 11:13 And, again, this is really all about the foundation. 11:15 That many newly single parents who've just recently been 11:20 divorced are really just out there, and don't necessarily 11:23 know the direction that they're going to have. 11:25 I think that there are many divorce counselors who have 11:28 said you have to have consistent and non-negative communication 11:33 with the spouse, or the previous spouse. 11:35 Making sure you're talking, and making sure you're not 11:39 condemning the other individual in front of the child. 11:44 And also making sure that you have a post marriage 11:48 vision for your life. 11:50 What are? And many individuals can be, and I've seen, 11:53 I've done, and I'm a financial adviser, but many individuals 11:57 who've come to me, they come to me for financial concerns, 12:01 but sometimes they'll think I'm actually a counselor, 12:03 a marriage counselor. 12:05 And I'm not! I'm not a marriage counselor. 12:07 And I'll try to give the best advice I can without violating 12:10 any laws, but I don't, I'm not trying to delve into that. 12:15 But they end up saving, Hey Ryan, I'm emotionally in a rut 12:19 right now, and I just don't know what I'm supposed to do. 12:22 And I've seen men and women do that. 12:24 You know, Ryan, you touched on something that I think is really 12:27 important to kind of expand on. 12:30 And that is you have to have a plan for how you are going to 12:34 communicate with that spouse, with that other 12:37 parent post-divorce. 12:40 Because if you don't, if you're running down that parent 12:43 to the children, that's so negative. 12:47 That damages the children. 12:48 If you use the children as a pawn that damages the children. 12:53 If you're using, you know, putting them in between, 12:55 or dogging the other parent, that is so, 13:00 it's so unhealthy for the children. 13:03 The best thing to do is to find a way to co-parent. 13:07 Because that way... The children didn't ask to come 13:11 here, and they're here. 13:13 And so they have to be nurtured. 13:15 And so they have to be in an environment that is nurturing. 13:18 So if you have baby mamma drama, or the dad is a deadbeat dad, 13:25 or whatever, that's... you guys have to work it out. 13:28 Yes, absolutely. You have to work it out. 13:30 And your point's very well taken. 13:33 Again, I've seen a lot of individuals just kind of get 13:36 stuck, and many individuals who are saying, you know, 13:39 they're not going to pursue, for single parents out there, 13:44 they're not going to pursue financial 13:45 support for their child. 13:47 And I think that's a huge mistake. 13:49 It's a huge mistake because it's not about the emotional 13:54 decision at this point. 13:56 It's about the logical decision that your child 13:58 has clothes, has food. 14:00 And if you don't need a dime of that money, and if you... 14:03 and all your bills and everything is provided for, 14:06 then you can take that financial support you're receiving 14:09 from that spouse and put it into a 529 Savings Plan. 14:12 So there's always something that you can do with that 14:16 additional support, whether it's current needs, if those needs 14:19 are provided, and you have everything under control. 14:21 Then good for you. But then there are future needs that you 14:24 could be putting more money into to make sure your child 14:27 has college expenses, and all sorts of things. 14:29 I mean whatever it is, we have to be logical, and be very 14:33 fiscally responsible as we're planning for our children. 14:37 You know, again, that is another really important point. 14:41 Because both of you were responsible 14:45 for that child being here. 14:46 So why should one parent bear the burden, 14:51 of the financial burden, of doing all of the care for 14:55 that child, and the other one just goes scot-free to have 15:00 another family somewhere? 15:01 No, that responsibility, if the other parent is not showing 15:07 responsibility, then you have to sometimes help that along, 15:12 I think. Exactly. And so, you know, if you need to get some 15:17 assistance, legal assistance, you get it. 15:19 And now I'll throw in another touchy issue that relates to 15:23 a single parent, but it also relates to high 15:26 incarceration rates in the U.S. for black and white households. 15:30 I do a lot of counseling in prisons. 15:33 And many individuals in prisons don't like to 15:37 have a bank account. 15:40 And they'll tell you they don't want to have a bank account 15:42 because it leads to child support. 15:44 If they have to give their Social Security number they'll 15:46 be able to locate how much money they're having, 15:49 and they'll be getting their wages garnered. 15:50 So what they'll do is they'll try to stay outside of the 15:52 system in order to avoid paying child support. 15:56 These are people who are incarcerated? 15:58 Who are incarcerated, and will soon to be released. 15:59 And when they're released, and they're back into society, 16:02 they try to do everything in the world to... 16:04 And this is a very common problem that I've seen. 16:07 And if you talk to any warden, or a correctional officer, 16:10 they'll say the same thing. 16:11 When people get out, there are many individuals, if they have 16:14 children, don't want to get on record. 16:18 And so henceforth they will begin to use check cashing 16:22 facilities so they don't have to get a checking account. 16:25 They'll get prepaid debit cards so they don't have to register 16:28 with the... have their Social Security number registered. 16:32 And all these things again are contributing to this perpetual 16:35 underclass of society, because that particular parent 16:39 didn't want to pay for their child. 16:40 Now they're trying to stay outside the system, 16:43 can they ever buy a home? 16:45 Can they ever start a business and get a loan? 16:48 And all these things that individuals in, I guess, 16:51 normal communities that are not poverty stricken, or suffering 16:55 from financial woes, they have access to. 16:59 And so what sometimes individuals in underserved 17:02 communities would do things outside of the realm of 17:06 responsibility that keeps all of us down. 17:08 So these tips, again, I just want to reiterate these are tips 17:12 that I want individuals to use to face the responsibility 17:17 and obligation head on, whether you're a single parent, 17:18 If you're... whether you're a single parent, or if you are not 17:23 rearing a child directly, you still should have some 17:26 responsibility of raising that child. Absolutely. 17:29 So the next tip is controlling spending and having fun. 17:34 A lot of times, again, we would go, I remember one of the trips 17:39 that we had, because my mother did budget, we went to Canada. 17:45 And there was an Indian Reservation in Canada that 17:48 we just wanted to just go visit. 17:50 And the reason that we chose that was because my brother and 17:53 I chose to go to this Indian Reservation in Canada. 17:56 There's no reason for that, no rhyme for that. 17:59 But the biggest reason for that, from my mother's perspective, 18:01 was it was free, outside of the little small cost that 18:04 goes across the border. 18:06 And so it was cost effective for us to take that trip. 18:09 That was our trip, right? 18:10 And so we went up to this Indian Reservation. 18:13 And we just saw a bunch of corn. 18:15 And didn't really see a lot. 18:17 We heard a strange noise, and I got scared 18:19 and said, Let's go home. 18:20 But that was our trip. Uh huh. 18:23 That was our fiscally responsible trip that my mother 18:25 could only afford to make. 18:27 So I urge everyone, we need to start learning how 18:29 to write our budget down, you know. 18:31 How much are you spending? 18:32 And the simple process for forming a budget is to 18:36 write down an estimated budget, and how much you think you're 18:40 going to spend that month. 18:41 Then go do a thirty day spending diary, 18:43 and how much do you actually spend. 18:45 And every single day you throw a penny in the well. 18:47 Write it down in your thirty day spending diary. 18:49 And then you write down an actual budget at the end 18:52 of that thirty days. 18:54 I've never met a person that goes through this process 18:55 and not say, Wow, I didn't know how much money I spent on this 18:58 grocery, or that bill, or these expenditures. 19:01 And so... and then we have to start learning about patterns 19:05 and habits of how other people are trying to make 19:07 us break our budget. 19:09 For instance, never shop when you're hungry. 19:12 Never shop when you're bored. 19:14 Never shop when you are overly emotional or happy. 19:20 You know, what is the first thing individuals do? 19:23 Says, You're sad, you just broke up? 19:25 Girl, let's go shopping! 19:27 You know there's, these are certain things that happen that 19:29 cause us to start spending money irresponsively, 19:32 and breaking our budget. 19:34 So we have to start learning how to not break the bank. 19:36 Make sure we have all the... Budget breakers can easily be... 19:40 Are we having coupons? 19:42 They have extreme coupons. 19:44 Individuals go out and clip a lot of coupons. 19:46 And saving a lot of capital by just saving money 19:49 at the grocery store every single day. 19:51 That is so true! And you know, some of these loyalty programs 19:54 like I know I get, because I'm kind of like Kroger addict. 19:59 So I'm in Kroger a lot, which is a local grocery store. 20:03 And they track your spending patterns. 20:07 And then they see, Well, you bought organic celery. Right. 20:12 So they'll send you a coupon for that. 20:14 So the next time you get it, you can save fifty cents on that. 20:17 And before you know it that adds up. 20:19 And you can save some money on your spending 20:21 just by using coupons. 20:23 Absolutely, absolutely! 20:25 And another financial tip that I like to give single parents is, 20:28 have you organized and reevaluated your 20:31 financial documents? 20:32 I think this is key. 20:35 Is your life insurance up to date? 20:36 Many times the individual that you just divorced from still is 20:41 the beneficiary of that life insurance policy. 20:43 Do you want to keep that individual for that beneficiary? 20:46 Do you have enough coverage for your child? 20:49 There are many times you might be able to have a divorce 20:52 attorney to simply draft up a good custodial agreement 20:56 that will allow you to be the owner. 20:57 If you are the custodian to make sure that you're the owner of 21:01 that policy that your spouse was paying for. 21:04 So all that's necessary. 21:05 Do you have a good divorce attorney? 21:07 Do you have a good attorney to look over all your documents? 21:08 Is your 401K 43B up to date? 21:11 Do you still want to have your spouse to be the 21:13 beneficiary to that? 21:15 All these things and more: your estate plan, 21:18 and obviously you need to revise your will. 21:19 And you need to look at the estate plan, needs to have a 21:22 living will, health care proxy, durable spring of 21:25 financial power of attorney. 21:26 All of these things up to date. 21:27 Maybe your spouse that you just divorced from 21:29 was your health care proxy. 21:31 The agent appointed him and health care proxy. 21:33 Maybe your spouse was your power of attorney that you stated 21:37 to be your attorney in fact to carry out your wishes. 21:39 Do you still want that individual to have that 21:42 same responsibility? 21:43 All these decisions need to be made to make sure that your life 21:48 is firmly in order. 21:50 Um! That's really good. 21:52 You are basically just taking control of your life, 21:57 and actually you definitely need to check back. 22:01 Because I received documents that my ex-husband is still 22:08 on one of my former health plans. Right. 22:12 And it's just, you know, it doesn't make any sense. 22:16 There are so many clients that I've worked with over the years 22:19 who something happened and the next thing you know, 22:23 their beneficiary was their spouse, and they didn't 22:26 even know about it. 22:28 I mean I had one case, one individual had their beneficiary 22:32 as their spouse; was divorced years ago. 22:34 She passed away, and now they looked at the document to see 22:38 where the 401K went, and the life insurance policy, 22:41 and she had stated numerous times that she wanted the 22:47 policy, the benefits to go to her children. 22:50 Well, again, that became a huge debate. 22:53 They had to go to probate, and eventually the policy 22:56 usurped the will, because in the will she left all those 22:59 assets to her children. 23:00 But these things usurp the will. 23:02 Your 401K statements, the life insurance policies, usurp above 23:06 and beyond what the will states. 23:07 So it was a huge battle, and it didn't end favorably for her. 23:12 But just all she had to do, every single two years, 23:14 married or not actually, you should be updating your 23:17 documents on a regular basis. 23:19 Absolutely. Take control. 23:22 Do that budget. Look at your old documents. 23:26 Make sure that you know where you're going, where you want 23:29 to go, and make sure you know where your money's going. 23:32 Right. Because a lot of times you just don't know. 23:34 And another tip that I have here is setting up an emergency fund. 23:37 You're a single parent now. 23:39 You're essentially living on your own. 23:42 Your liquidity is very important. 23:44 Any additional windfall I'd advise you to put into a 23:47 liquidity cash account to make sure if you have any emergencies 23:50 your income into the household is probably not as 23:54 plentiful as it was before. 23:56 So have that 9 to 12 months of living expenses saved up. 24:00 And then you want to make sure you capitalize 24:02 on your tax breaks. 24:03 There are many tax breaks that we can have out there, 24:05 because individuals, if you're earning under $75,000 a year, 24:08 you might be eligible for an additional $1,000 a year for 24:11 additional tax break for each individual child that 24:14 you're actually rearing. 24:15 All these things that... earned income tax credit. 24:17 It's a huge thing to individuals. 24:19 If you, many individuals we, I worked with an organization 24:23 called Operation Hope. 24:24 And this organization essentially helps for free. 24:27 And many organizations do similar work. 24:28 Help for free to discern exactly how much money is being left 24:32 on the table by earned tax credit. 24:34 You have the obligation that they pay you for working. 24:38 And if you're under a certain income level, up to three years 24:41 in the arrears, you can get a free check from the government. 24:44 We've had individuals who walk out of the offices of 24:46 Operation Hope with maybe as much as $9,000 in arrears of a 24:51 check from the government. 24:53 And then lastly, consider a new career. 24:55 Possibly you might want to expand to get 24:57 additional education. 24:58 And most importantly, ask for help. 25:00 You are not by yourself. 25:01 Absolutely. Ask for help, and ask God for help. 25:04 Absolutely. And God is right there. 25:06 You are not alone. 25:07 That's right. Keep Him in the midst. 25:09 Well, you have the take away for us. 25:10 I sure do. I have some things I have to get off my chest. 25:13 Alright, good! 25:21 There is no question about the sanctity of marriage. 25:24 The word clearly says in Hebrews 13:4, Let marriage be held 25:28 in honor among all. 25:29 In an ideal situation we would have a husband and a wife 25:33 in the household together to raise a child. 25:35 We serve a perfect God, but the world isn't always perfect. 25:38 There are many, in and out of the church, who are raising 25:41 children as single parents. 25:43 Two parents households are on the decline in the U.S., 25:45 while we are seeing spikes in the divorce rates. 25:47 According to the Pew Research Center the percent of children 25:51 living in a two parent household in the 60's was 73%. 25:54 By 2014 the percent of children living in two parent 25:58 households was 46%. 25:59 Single parent households increased almost 300% 26:03 in the same period. 26:04 To the community we must address all issues in a loving way. 26:08 We can seek solutions to the increasing divorce rates as well 26:12 as make sure that those single parents always feel welcomed, 26:15 love, and their needs are being addressed as well. 26:18 To the parents, I'm not a parent. 26:21 I have no children, so I can't pretend to know what 26:23 it feels like to have the responsibility of raising a life 26:27 every single day, let alone to have to do it all by yourself. 26:30 However, I do know I have a God who loves everybody. 26:35 I remember the days my mother, a single parent herself, 26:38 would be tired and just be seeking rest. 26:40 I was too young to recognize what that post work, 26:43 just getting home haaaa really meant. 26:48 Right before she began to cook dinner, and started her second 26:50 job, raising two children. 26:52 It says in Matthew 11:28, Come to me all who labor and are 26:57 heavy laden, and I will give you rest. 27:00 We at Dollars and Sense aren't so naive to believe that a few 27:04 financial tips will make all your problems disappear. 27:08 We only pray you can find some solace from the use of this 27:11 information to lighten your load a bit. 27:12 If you know nothing more, you know that you have people out 27:15 there who really care about you. 27:17 Please know that you are in our hearts, our minds, and prayers, 27:22 as you take on one of the most important tasks: 27:24 rearing the next generation. 27:25 Please reach out to Dollars and Sense. 27:27 Please feel free to email us at Dollars&Sense@3abn. org 27:33 or visit us on Dare to Dream Network on Facebook 27:35 if you feel that there's anything we can do to assist 27:38 your journey, but you are not alone. 27:40 As it says in Joshua 1:9, Be strong and courageous. 27:44 Do not be frightened, and do not be dismayed, 27:47 for the Lord your God is with you wherever you go. 27:51 Take care of yourself and each other. 27:53 Be the change you want to see. 27:55 And remember, the purpose of life is a life full of purpose. |
Revised 2021-06-01