Hello everyone, I hope your week has been well. Looking forward to seeing for tonight’s call (Available to Premium and VIP members) Check calendar for the link and time.

Special Announcement and "This week in PughFC" are located at the bottom of this message. Good morning, Much learning earns you much trouble.The more you know, the more you hurt. -Ecclesiastes 1:18 MSG Have you ever said, “If I knew then what I know now…”? That phrase usually comes after a decision we wish we could redo. I’ll be honest—Ecclesiastes isn’t an easy read. It’s reflective. It’s honest. It’s what wisdom looks like after you’ve lived through some things. Solomon wrote Proverbs in his earlier years, but Ecclesiastes shows us what it looks like to look back and process life. This verse reminds me of responsibility. When you know better, you do better… or at least you should. Last week, I shared my own gut check: if I’m not doing the work now, I can’t expect a harvest later. That same truth applies to our finances. I recently had a conversation with a client about whether they should pay off their mortgage or consider refinancing. My response was simple: We can only control what we do. The economy? We don’t control that. Interest rates? We don’t control that. So we can’t build our financial decisions on things we don’t own. But what is in your control? How you budget. Whether you follow that budget. Building your savings. Paying off debt. Investing in your future. That’s where your power is. And here’s the truth—once you know this, you’re accountable for it. So, when is the best time to make a financial move? When you’re ready. What may look like a bad time for someone else could be the right time for you—because you’ve prepared. You’re positioned. You’re not reacting… you’re leading. You’re in the driver’s seat. Imagine not having to wait for a sale to buy something you’ve wanted for months. Imagine buying concert tickets the day they drop—without using Afterpay, Klarna, or Affirm. Imagine taking a vacation and already having it paid for before you leave. That’s the kind of freedom I want for you. And I truly believe when we manage our money God’s way—with discipline, wisdom, and trust—this kind of life is possible.

Good morning, Summer is right around the corner. And for many of us, more sunlight often leads to more spending. But this year can be different. You can enjoy your summer without the stress—if you prepare for it now. Payday Tip - If you’re a parent, take a moment this week to check summer camp registration dates and costs. Those expenses come quickly. - If you’re planning a vacation, go ahead and request your time off. Give yourself space to plan well, not rush later. - For all of us, don’t forget to include spending money in your plans—whether it’s for trips, outings, or simple family moments. I’ve learned that it’s not the summer activities that create stress…it’s the lack of planning for them. We can be good stewards, not just in the serious seasons, but in the joyful ones too. When we plan ahead, we make room to enjoy what He’s given us—without carrying unnecessary weight. Take a little time this week to prepare. Your future self will thank you. Have a great weekend, Latrisa

Good morning everyone, I hope everyone is having a great week. Let's continue to make progress on our goals one decision at a time. Premium/VIP Members: Don't forget to put your update to your faith in action in GroupMe. 2026 Progress - Savings for future expenses - 2,135.16 - Total debt payments - 13,350.07 - 3 Debts Paid off, 7 participants Lifetime Progress (Start Date: June 2024) - Savings for future Expenses - $33,673.10 - Total debt payments - $122,703.57 - 43 Debts Paid off, 17 participants Griffin Family Success Update (Anniversary Date: March 19, 2022) - 23 Debts Totaling $20,687.77