The Charlie Kirk Show - November 29, 2023


Seven Disciplines of Uncommon Freedom w- Author Kevin Tinter


Episode Stats

Length

35 minutes

Words per Minute

170.52632

Word Count

6,102

Sentence Count

417


Summary

Summaries generated with gmurro/bart-large-finetuned-filtered-spotify-podcast-summ .

Transcript

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00:00:00.000 Hey everybody, Kevin Tinter joins the program talking about how to live a better life, break free of depression, anxiety, the heaviness this holiday or Christmas season.
00:00:09.000 It's a great hour and check out his book.
00:00:12.000 Really important.
00:00:13.000 We talk about it throughout the episode.
00:00:15.000 Email us as alwaysfreedom at charliekirk.com.
00:00:18.000 Get your tickets today to AmericaFest.
00:00:20.000 That's amfest.com, December 16, 17, 18, 19.
00:00:23.000 Tucker Carlson, Patrick Bett, David, Candace Owens, Glenn Beck, Rob Schneider, Roseanne Barr, Dennis Prager, Allie Beth Stuckey, Jonathan Isaac, James O'Keefe, Riley Gaines, Ben Carson, Michael Anton, Jason Whitlock, Gad Sad, Brandon Tatum, Seth Dillon, Jack Posobiec, Benny Johnson, Yanmi Park, Michael Seifert, James Lindsey, John Amachukwu, John Benzinger, Rob McCoy, Len Munsell, Eric Metaxas, Calvin Robinson, and for Turning Point Action, Vivek Ramaswamy, Steve Bannon, Donald Trump Jr., Kimberly Guilfoyle, Josh Hawley, Marjorie Taylor Green, Matt Gates, Corey Mills, Michael Lindell,
00:00:53.000 and Alina Haba.
00:00:54.000 We have a concert series with Big and Rich, Low Cash, and Raylin.
00:00:58.000 Wow.
00:00:59.000 Lot going on, everybody.
00:01:00.000 Amfest.com.
00:01:01.000 That is amfest.com.
00:01:04.000 Email us as alwaysfreedom at charliekirk.com.
00:01:07.000 Buckle up, everybody.
00:01:08.000 Here we go.
00:01:09.000 Charlie, what you've done is incredible here.
00:01:10.000 Maybe Charlie Kirk is on the college campus.
00:01:12.000 I want you to know we are lucky to have Charlie Kirk.
00:01:16.000 Charlie Kirk's running the White House, folks.
00:01:19.000 I want to thank Charlie.
00:01:20.000 He's an incredible guy.
00:01:21.000 His spirit, his love of this country, he's done an amazing job building one of the most powerful youth organizations ever created, Turning Point USA.
00:01:30.000 We will not embrace the ideas that have destroyed countries, destroyed lives, and we are going to fight for freedom on campuses across the country.
00:01:38.000 That's why we are here.
00:01:42.000 Brought to you by the Loan Experts I Trust, Andrew and Todd at Sierra Pacific Mortgage at andrewandTodd.com.
00:01:51.000 Joining us this hour is a great American, someone who is a generous supporter of Turning Point USA, Kevin Tinter.
00:01:57.000 Very important book, The Seven Disciplines of Uncommon Freedom.
00:02:01.000 Embrace them to reach your potential and build a life you love.
00:02:05.000 Kevin, welcome to the program.
00:02:07.000 Hey, Charlie, thanks for having me.
00:02:08.000 It's great to be here.
00:02:09.000 Yeah, great to see you.
00:02:10.000 Tell us about your book, Lost the Discuss.
00:02:12.000 Yeah, thank you so much for having me.
00:02:14.000 So this book is, like the subtitle says, you know, some disciplines that if you embrace, they will help you build a great love, a great life.
00:02:25.000 And when I'm talking about a great life, it's not just one that you enjoy from a selfish standpoint.
00:02:32.000 I have a saying, it's about being able to do what you want, when you want, with whom you want, and as a Christian, from a kingdom perspective.
00:02:44.000 So yes, it's great to be able to take vacations that you want to live in a beautiful state like Arizona, where I'm blessed to live.
00:02:52.000 But it's also important to have that kingdom perspective so that it's not all about selfishness.
00:02:57.000 Because there's a lot of wealthy people, especially in this country, but they're only concerned with, you know, promoting their own agenda, whatever that looks like.
00:03:06.000 And for me, from a biblical perspective, I think the American dream is about living a great life, but doing it from that kingdom perspective so that you can enhance the lives of others along the way.
00:03:18.000 Well, I love that.
00:03:18.000 So talk about some of the disciplines.
00:03:20.000 It's okay, let's go through them.
00:03:22.000 I'd love to.
00:03:23.000 And I want people to check out the book because it goes into greater detail than we'll seven disciplines of uncommon common freedom.
00:03:29.000 Share some of them with us.
00:03:30.000 Yeah.
00:03:30.000 So the first discipline that I address in this book has to do with your health.
00:03:35.000 So it's called the idea is get your body on mission.
00:03:41.000 And that is the name of chapter three.
00:03:43.000 And for me, my turnaround in life really started when kind of through a fluke, I was working as a police officer in the suburbs of Portland, Oregon.
00:03:53.000 My shift sergeant decided to throw out a biggest loser type of challenge back in March of 2011.
00:04:01.000 I was about 45 pounds overweight.
00:04:03.000 I'd had back surgery and I was kind of your typical middle-aged American male with three kids at home, working tons of overtime and surviving, but definitely not thriving.
00:04:17.000 And what I found is that getting healthy was the catalyst that really shifted everything else for me.
00:04:26.000 And Charlie, I love the fact I hear you talking a lot about this health journey you've been on and really just talking about the importance of being physically fit.
00:04:35.000 And I think it's something that's sorely missing in America.
00:04:40.000 I think it's something that's sorely missing from American churches.
00:04:44.000 You know, we will talk about pornography.
00:04:46.000 We'll talk about all the sexual sins that are out there.
00:04:49.000 We'll talk about all kinds of other things.
00:04:52.000 But what we aren't afraid to talk or what we are afraid to talk about for the most part is the sin of gluttony and the sin of not treating your body like the temple of the Holy Spirit, like the scriptures say that it is.
00:05:05.000 So, and this isn't about becoming making fitness your idol.
00:05:10.000 That's not at all what it's about, but it's understanding that every single thing that we do in life, whether it's your career, whether it's your involvement in politics or your community, whether it's being a parent or a spouse, everything that we do is enhanced when we are healthier.
00:05:30.000 And so there's really no reason, especially in this country, to not be healthy, to eat healthy and to be active.
00:05:38.000 And I think that's something that's holding most Americans back from really thriving in life and living a life of impact.
00:05:43.000 Yeah, so let's zero in on that.
00:05:45.000 And so talk about some of the disciplines within fitness that you think are necessary.
00:05:52.000 And I mean, it takes about 21 days to form a habit.
00:05:56.000 You have to be intentional of if you start habit stacking, that's what really successful people do because you don't even start to, you don't even think about it, you just do it.
00:06:05.000 But it also goes the other way.
00:06:07.000 Largely people habit stack bad things, sitting at home and watching TV when they get home from work, eating processed carbohydrates.
00:06:15.000 What are some of the specific disciplines that you have both in your personal life, your business, and the book you talk about to improve your body because your physiology largely impacts how you feel?
00:06:29.000 Yeah, so specifically with regards to health, I mean, there's no doubt about it.
00:06:34.000 We've, I think, all heard the cliche that weight loss is 80% your diet and 20% exercise.
00:06:42.000 And in my personal experience as a health coach working with thousands of clients, I would probably say that, and this is just anecdotal, but it's probably more 90% diet and 10% exercise.
00:06:54.000 And the reality is most Americans have a horrible diet.
00:06:58.000 So the first thing is just getting your diet under control.
00:07:02.000 And there's a lot of different ways to eat healthy.
00:07:04.000 You know, some people go more carnivore, some people choose vegetarian.
00:07:08.000 You know, I'm not an expert in any of those.
00:07:10.000 I think that there's some ways that work better for different people.
00:07:15.000 Bottom line is most Americans have a horrible habit or a horrible diet and they have a lot of unhealthy habits.
00:07:20.000 Like you talked about processed food, fast food, an addiction to sugar and to coffee and caffeine and things like that.
00:07:28.000 And the first thing is we've got to clean up our diet.
00:07:30.000 Now, there's something that I coined, the trinity of uncommon freedom.
00:07:35.000 And I don't mean this to be sacrilegious, but it's kind of if you think about every, all the disciplines that I talk about in the book, that this trinity helps you thrive in every discipline.
00:07:47.000 And the first trinity is to always row upstream.
00:07:50.000 So I use this analogy of everything we want is upstream.
00:07:55.000 Downstream is what happens when you just, you know, if for those who live in Arizona, you go to the Salt River, you jump in an inner tube, you go downstream.
00:08:04.000 It takes no effort.
00:08:06.000 It's where everyone goes.
00:08:08.000 But if you think, if you think along the fact that downstream, anything that's easy probably is not worth pursuing.
00:08:15.000 Everything that we want is upstream.
00:08:17.000 So the first thing is always rowing upstream in your health.
00:08:20.000 That means making healthy decisions, which are not easy decisions to make.
00:08:24.000 It takes intentionality.
00:08:25.000 It might cost you a little bit more.
00:08:27.000 When it comes to your finances, it's realizing that living a life of debt and immediate gratification is not what's best for you.
00:08:35.000 So the concept of always growing upstream is the first discipline or the first of the three Trinity concepts.
00:08:46.000 The second one is get to one.
00:08:48.000 So the idea behind get to one is the concept of wholeness, right?
00:08:53.000 I'm not a mathematician, but if you take a negative number and you multiply it or you continue to divide it, you're still going to have a negative number.
00:09:05.000 So the concept of getting to one is the concept of wholeness.
00:09:08.000 Physically, what does that mean?
00:09:09.000 It means get to a basic level of health.
00:09:13.000 You might not be an Ironman.
00:09:15.000 You might not be a bodybuilder, but are you at least healthy as opposed to just non-sick or maybe even in a disease-ridden state?
00:09:24.000 From a financial standpoint, getting to one means you have a positive net worth.
00:09:31.000 So many Americans, if they really take a look at their spending habits, they probably have a negative net worth.
00:09:37.000 They're upside down on their mortgage.
00:09:39.000 They're spending more than they make every single month.
00:09:42.000 You know, they have tons of subscription services and things that they're putting on credit cards that they're not paying off.
00:09:48.000 So the concept of getting to one in every area of your life is essential.
00:09:52.000 It goes for marriage, right?
00:09:54.000 Many American marriages are struggling.
00:09:57.000 So the concept of getting to one is getting to where you're whole.
00:10:00.000 And then when you have a whole number, you can start to add to that and ideally multiply and exponentially multiply that.
00:10:08.000 And then the third concept is upgrading your circle.
00:10:11.000 So I find that in health, that this is one of the most important things.
00:10:15.000 There's a lot of statistics out there.
00:10:17.000 If you have overweight, unhealthy friends, whether that's diet, weight, smoking, drinking, you're going to be like them.
00:10:26.000 And so any area in life that you want to improve, you have to upgrade your circle.
00:10:31.000 So those are three key things that I recommend everyone consider.
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00:12:01.000 So, Kevin, I know that you do some coaching and some advice giving to people that want to try to put these disciplines.
00:12:09.000 Take a step back, talk about the power of discipline.
00:12:13.000 It is almost a dirty word in America.
00:12:16.000 You believe it's necessary for freedom and for destiny.
00:12:20.000 Tell us why.
00:12:21.000 Yeah, I love the word discipline.
00:12:23.000 You're probably familiar with Jocko Willing, and he has this concept that discipline equals freedom.
00:12:32.000 And we've live in a culture that has become, generally speaking, very soft.
00:12:39.000 And, you know, I'm raising four kids.
00:12:42.000 I fight the entitlement mentality that is so prevalent in our world today, especially through all the media garbage that's out there.
00:12:52.000 And discipline is not something that we naturally run towards, right?
00:12:56.000 I mean, we're naturally lazy people.
00:13:00.000 That's why the concept of growing upstream versus just floating downstream, that's where everything that we want in the long run for most people, if you want to be successful and live a thriving life, is important.
00:13:12.000 It's all about discipline.
00:13:13.000 And, you know, there's the concept, right?
00:13:15.000 It's the pain of discipline versus the pain of regret.
00:13:18.000 You know, you can live a lazy life going down river and be unhealthy and you can get by with it for a long time.
00:13:26.000 But it might be in your 30s, might be in your 50s, it might be in your 70s.
00:13:30.000 You're eventually going to pay for that lack of discipline.
00:13:33.000 It's painful.
00:13:34.000 It requires lots of time spent at doctor's offices and it spends, you know, it requires a lot of money.
00:13:40.000 And the same thing applies to your finances, right?
00:13:43.000 It's immediate gratification means finance the car, buy a house you can't afford, and, you know, just live with a negative net worth.
00:13:52.000 At some point, it catches up with you.
00:13:55.000 Same thing in your marriage.
00:13:57.000 I'm really passionate about helping men step up to the plate, be strong marriage, strong husbands to their wives, and strong fathers to their children.
00:14:05.000 And it's easy for us to not prioritize those things, but it takes discipline for us to prioritize the things that are most important, where we're not going to experience that immediate gratification, but we're going to see the long-term benefit and really be able to invest in our future and the future of others.
00:14:26.000 So I love that what Jocko says, discipline is freedom.
00:14:30.000 And the question is, you know, do people want to be free?
00:14:32.000 You have to desire freedom and to put those disciplines into action.
00:14:37.000 The seven disciplines of uncommon freedom: design a life that aligns with your dreams and values.
00:14:44.000 Talk about that, Kevin.
00:14:45.000 Not everybody even knows what their dreams and values are.
00:14:48.000 Yeah, I think it's really important for people to do some soul searching to figure out what is most important to them.
00:14:57.000 As a police officer and prior to that, I was in the Marine Corps and I love this country.
00:15:02.000 And I have a natural bent towards protecting and defending people.
00:15:10.000 It's kind of, as a little kid, I always ran around with a six shooter because I wanted to be a sheriff or something like that.
00:15:18.000 And then as I grew up, I went into these careers that were about defending the freedoms of others.
00:15:23.000 But honestly, with them came a lot of sacrifice.
00:15:26.000 I had very little freedom.
00:15:28.000 And going through some profiles and different things to really learn about myself, I identified that freedom is actually my number one value.
00:15:36.000 And it's what actually created a lot of dissonance for me in those career fields because I was missing out on spending holidays with my family on a regular basis.
00:15:45.000 I was not a present father because I was having to work so much overtime and the schedule was very challenging.
00:15:50.000 So I think it's important for every person to partner with a coach, a mentor, counselor, an advisor, someone that can help them figure out what their core values are, what are the things that matter most to them, so that you can build the life around what matters most.
00:16:04.000 The last chapter in this book is called Lifestyle Design.
00:16:08.000 And John Maxwell, one of my favorite mentors, has a saying: most people accept the life they were given.
00:16:13.000 Very few choose to lead the life that they want.
00:16:17.000 And so many Americans today, I mean, this is the narrative forced by mainstream media, is that, you know, you're a victim of whatever your circumstances are.
00:16:24.000 It might be your race, it might be where you were born, things like that.
00:16:30.000 And the reality is, it's why immigrants come to America thrive, they realize that America is full of opportunity.
00:16:38.000 And it's why probably my favorite chapter in the entire book is talking about being intentional about designing the life that you want.
00:16:47.000 And you have to incorporate your values into that.
00:16:50.000 For my wife and I, we're very passionate about the pro-life movement, saving babies, protecting their mothers.
00:16:56.000 And so we give a significant portion of our income to pro-life causes.
00:17:01.000 And it's one of the things that drives us to continue to earn at a high level so that we can continue to invest in things that matter to us.
00:17:10.000 The seven disciplines of uncommon freedom, embrace them to reach your potential and build a life you love.
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00:17:21.000 I try to take care of myself.
00:17:22.000 I try to eat right.
00:17:24.000 And I love fruits and vegetables.
00:17:25.000 I'd rather have them than anything else, but I know I don't get nearly enough.
00:17:29.000 So I thought, I'll try it for two months and no harm, no foul.
00:17:32.000 If it doesn't work after that, then I've tried it and at least I know.
00:17:36.000 Within two weeks, I noticed a huge difference in my energy, sleeping better at night, and just energy.
00:17:43.000 I would get up in the morning and get up, not just sit around.
00:17:47.000 You guys have got to try this.
00:17:48.000 You have to try it.
00:17:49.000 You owe it to yourself to try it.
00:17:51.000 The wife and I both think it's done a lot of good.
00:17:54.000 We both think it's, you know, it's improved your overall day-to-day how you feel.
00:17:59.000 And we've turned everybody on to it.
00:18:01.000 Our kids are on it.
00:18:02.000 Our brothers and sisters that are on it.
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00:18:14.000 Are you going to lose weight?
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00:18:19.000 I work in a school, so I'm around like a thousand kids a day constantly.
00:18:24.000 And so I wash my hands and use alcohol on them probably 100 times a day or better.
00:18:29.000 And my hands are always cracking open and splitting.
00:18:32.000 And I did not have that this entire winter.
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00:19:20.000 So, Kevin, what do you let's talk about the wealth side of it?
00:19:23.000 Americans are more in debt than ever before.
00:19:26.000 There's a lot of excuses, and some of the excuses are actually okay.
00:19:29.000 I mean, some are legit, some are not legit.
00:19:32.000 For example, if you're 26 years old and you were told to go get a piece of paper at college and it means nothing and you can't buy a home and inflation is crushing you, I have some compassion.
00:19:41.000 However, I don't have compassion.
00:19:43.000 If you're living in an apartment that you can't afford and maxing out your credit cards and going out drinking on Friday and Saturday on Sunday night, talk about how debt is the slavery of the free and how in this very difficult economy with high inflation, people can get back control of an out-of-control financial situation.
00:20:01.000 Yeah, Charlie, I couldn't agree with you more.
00:20:04.000 The lie of the value of a diploma is really a horrible lie that we've been force feeding our children.
00:20:14.000 I mean, even for me, I'm 46 years old, so I went to school in the college in the 90s.
00:20:20.000 And honestly, my degree did nothing but allow me to become a Marine Corps officer.
00:20:27.000 I remember almost nothing from all of my college days.
00:20:31.000 I actually got married halfway through college.
00:20:33.000 I'm grateful for that because it really motivated my wife and I to get done with college as quickly as possible.
00:20:39.000 We graduated together.
00:20:41.000 She graduated with her master's degree.
00:20:43.000 I had my bachelor's degree.
00:20:44.000 I think we had about $28,000 in school loans.
00:20:47.000 We committed to allocating 100% of her salary to paying off those loans so that I think within one year of us having to make payments, we had her loans paid off.
00:20:57.000 And we're incredibly grateful for that.
00:20:59.000 I'm discouraging my kids from attending college.
00:21:01.000 You know, if they want to be a doctor or attorney, you know, I understand it's necessary, but for the most part, I don't see the value there.
00:21:09.000 And you're 100% right.
00:21:11.000 Schools, especially higher education institutions, even the supposed Christian ones, are really, they're making socialists and communists out of our kids at an alarming rate.
00:21:21.000 There is no excuse if you live in this country.
00:21:24.000 I have a number of friends that now have American citizenship.
00:21:28.000 They came here illegally, which I understand why someone would do it.
00:21:33.000 If I lived in Mexico, I would do everything I could to come here and bring my family with me.
00:21:39.000 There is no excuse, though, because you just live within your means and you don't have to have a brand new car.
00:21:46.000 You don't have to have a fancy car.
00:21:48.000 My wife and I were the couple who had one 27-inch TV.
00:21:53.000 We got married in 1998 and we did not have a big screen TV until about 2010, I think it was.
00:22:01.000 And so many Americans, and especially the young kids, I mean, I am fighting this materialism.
00:22:06.000 The pop culture is all about materialism.
00:22:10.000 And I am constantly battling this, trying to properly train my kids and teach them the value of a dollar and the importance of living within their means.
00:22:20.000 And in America, it's honestly, it's a very simple formula.
00:22:25.000 Number one is get out of debt.
00:22:28.000 If you can't afford it, sell it.
00:22:30.000 Number three is move towards cash.
00:22:33.000 If you can't control credit cards, I still use a credit card, but I pay it off every single month.
00:22:38.000 If you don't have the discipline to control that, go to cash and stop going further and further into debt.
00:22:45.000 You know, much of our young generation that's in college and graduating from college, they want the standard of living that their parents and grandparents had, but they don't realize that it took their parents 20, 30, 40 years to get to where they're at.
00:23:00.000 And so that's something that I'm constantly trying to, you know, ingrain in my children is you're living a very great life now, and we expect you to work, but you cannot expect to have the same standard of living when you graduate high school or potentially go to college that you have right now living in our house.
00:23:20.000 It took us decades of hard work to do that.
00:23:24.000 The other thing is really for people to start thinking from a more entrepreneurial spirit.
00:23:29.000 I think the concept of a side hustle and owning a business is lost.
00:23:35.000 Our government really does not promote entrepreneurship.
00:23:38.000 They want a bunch of sheep that pay taxes that come out of their paychecks so they aren't aware of what they're paying.
00:23:46.000 I've got a 16-year-old son, and I just helped him file his taxes within the last couple of months.
00:23:52.000 He was on an extension and he didn't have proper withholdings and he had to write a check to the government.
00:23:59.000 And it's amazing.
00:24:01.000 The more my teenage son works, the more conservative he becomes because I go over his pay stub with him and I show him this is what you're giving to the government, like it or not.
00:24:11.000 And I understand we need to pay taxes.
00:24:13.000 We live in the greatest country in the world, but I think the amount of taxes we're paying is way out of control.
00:24:19.000 So, helping today's youth, especially, realize that it's not just about being an employee, it's about having that entrepreneurial spirit and finding some type of side hustle because there's a lot of benefits from a tax standpoint if you own a business.
00:24:33.000 It doesn't have to be your sole source of income, but it can be something that you can leverage.
00:24:37.000 You know, Robert Kiyosaki, the genius behind Rich Dad Poor Dad, he talks about that really one of the only ways to build wealth is to have the advantages of owning a business.
00:24:47.000 What are some of the most frustrating financial patterns, yet fixable ones you see?
00:24:53.000 Where you in your coaching and your experience, you see self-destructive behavior that can be fixed in a moment.
00:25:01.000 It doesn't take Harvard business school, it doesn't take any sort of mastery, it's simply a decision.
00:25:07.000 What are those things?
00:25:08.000 Debt, number one.
00:25:11.000 Number two is when people raise their spending to every increase in income that they get.
00:25:21.000 One of the most important things that every one of us can do is to save up so that we have an emergency fund.
00:25:28.000 I mean, this is talked about by Dave Ramsey and pretty much all the financial pundits that are out there, but very few people have $1,000 in the bank, much less a legitimate emergency fund of three to six months.
00:25:43.000 And then what I have seen happen is: let's say someone's making $60,000 a year.
00:25:49.000 And so, let's see, doing some quick math, that's $5,000 a month.
00:25:53.000 So, they might have a $15,000 emergency fund, you know, three months based on $60,000.
00:25:58.000 Well, over time, their income goes up to 100, let's call it $120,000 to make the math very simple.
00:26:04.000 Well, they don't increase their emergency fund to $30,000.
00:26:09.000 They keep it at $15,000.
00:26:11.000 Meantimes, their spending habits increase all the way up to that $120,000 level.
00:26:17.000 And then when a catastrophe strikes, they go to their emergency fund and they realize that they're woefully unprepared.
00:26:25.000 And so, really forcing the discipline of saving every single month so that you can have that ideally six-month emergency fund.
00:26:35.000 And this is what I tell people: you will never regret having too big of an emergency fund.
00:26:40.000 Okay.
00:26:41.000 I realize you might be able to make more money if you were to invest it.
00:26:44.000 You know, maybe you're making 3% or 5% in some type of money market account, and you could theoretically be making 10% if it was invested.
00:26:53.000 But if you lose that money, it's no longer an emergency fund.
00:26:57.000 And people assume that things will stay the same or better.
00:27:01.000 And what we know is that doesn't happen.
00:27:03.000 So I think the lack of an emergency fund is a huge problem.
00:27:07.000 And once again, it just fed by this instinct gratification culture that we live in.
00:27:13.000 And honestly, it's something that we as parents, we have a moral obligation to teach our children the discipline of delayed gratification.
00:27:23.000 And when you don't teach children delayed gratification, then young adults don't naturally develop it on their own.
00:27:32.000 And then you have grown adults that are in their 30s, 40s, and beyond, and they still don't practice delayed gratification.
00:27:40.000 The seven disciplines of uncommon freedom, embrace them to reach your potential and build a life you love.
00:27:46.000 When people tell you, but I don't have the money, I'm barely making ends meet.
00:27:51.000 I'm sure when you start to go through budgets with people, you start to see a fair amount of expenditures that are unnecessary.
00:27:59.000 For example, double and triple streaming subscriptions, going out unnecessarily to eat, spending money on diminishing returns and expenses, buying new cars instead of used cars.
00:28:14.000 The lack of financial literacy in this country is remarkable.
00:28:18.000 And it is being rich starts with a mindset more than anything else.
00:28:24.000 It doesn't just happen to you.
00:28:25.000 Do you agree with that, Kevin?
00:28:27.000 100%.
00:28:27.000 I mean, the reality is that if you don't have good habits, if you don't have financial discipline and your income goes up, you're just going to be broke at a higher level.
00:28:37.000 And the reality is the mistakes and the ability to recover is a lot harder when you start making six-figure mistakes or seven-figure mistakes than when you're making, you know, five-figure mistakes, right?
00:28:52.000 So if you're making $50,000 a year, you're only going to get loans so much money.
00:28:58.000 And at some point, you're going to run out of credit and you're going to realize, okay, I have to get to work to pay this off.
00:29:05.000 Well, the worst, you know, as deep as the hole as you're going to dig might be a couple hundred thousand dollars.
00:29:12.000 Well, how many times have we heard about pro athletes that were making seven, maybe eight figures?
00:29:19.000 And because they lacked the discipline and the habits financially, they created a hole that is maybe eight or nine figures deep.
00:29:29.000 And honestly, I can understand why some people end up committing suicide.
00:29:34.000 I mean, obviously they lack a deeper meaning in life.
00:29:37.000 But when you think about digging a hole that deep, the amount of despair and potentially embarrassment that that creates is really tragic.
00:29:46.000 When I used to be a police officer, I would stop cars and, you know, have a conversation with people.
00:29:52.000 And many times, you know, they didn't have insurance.
00:29:55.000 And I was would, you know, have a conversation with people.
00:29:58.000 Where are you headed?
00:29:58.000 Well, I'm headed to 7-Eleven to get a 12-pack of beer and a carton of cigarettes.
00:30:03.000 And they, oh, by the way, they happen to have the newest Apple iPhone that was out there.
00:30:08.000 And I was paying for my flip phone because that's what I could afford back then.
00:30:12.000 And so the reality is everyone gets what they value, whatever they prioritize.
00:30:18.000 So you can afford to save, just most people choose not to.
00:30:23.000 And that's really what it boils down to is it's just like with your health, right?
00:30:28.000 If you prioritize your health, you'll make the decisions that will support that.
00:30:33.000 If you prioritize your marriage, you'll make decisions that prioritize your spouse over other things, hobbies, and things like that.
00:30:40.000 Check out the very important book, Seven Disciplines of Uncommon Freedom.
00:30:45.000 The holidays and big family feasts are upon us.
00:30:49.000 But in DC, it seems as if there's no bigger turkey than Senate Bill 1339.
00:30:54.000 S1339 is Bernie's latest attempt to sneak in a backdoor takeover of more of our healthcare.
00:31:01.000 He falsely claims it will lower prescription drug prices.
00:31:06.000 But S1339 will actually do just the opposite.
00:31:10.000 It'll handcuff pharmacy benefit managers who are currently saving millions of Americans an average of $1,040 a year.
00:31:19.000 Bernie, the trickster, the Marxist, is hoping that thousands of your fellow Americans are already going to lowermydrugprices.com to stand up against S1339.
00:31:30.000 That you'll be too busy making holiday plans or getting ready for a year-end vacation to stop him from a power grab on your health care.
00:31:37.000 Don't let this happen.
00:31:38.000 I'm urging you to keep up the pressure against the passage of S1339 by going to lowermydrugprices.com.
00:31:46.000 The Council for Citizens Government Waste says: if you don't want a socialized system that takes away your personal health care choices, increases costs, and makes you wait longer to see the doctor that is chosen by the government.
00:31:58.000 Go today right now to lowermydrugprices.com.
00:32:02.000 That is lowermydrugprices.com.
00:32:04.000 Remember, we've got the momentum, but we need your help today.
00:32:08.000 This is a political ad paid for the Council for Citizens Against Government Waste.
00:32:12.000 Go to lowermydrugprices.com.
00:32:17.000 Kevin, you had a goal to become the Christian George Soros.
00:32:21.000 Tell us about that.
00:32:22.000 George Soros, you spent a lot of time talking about him.
00:32:25.000 And he obviously is a force for evil in this world and kind of the opponent of virtually everything I stand for.
00:32:35.000 And my wife and I, one of the chapters in the book is Honor the King, has to do with really learning how to be a good steward of what God has given us.
00:32:45.000 And a huge part of that means tithing.
00:32:48.000 And most people, I highly encourage step one is to start tithing at 10%.
00:32:53.000 My wife and I have made some commitments.
00:32:55.000 We're currently, our tithing level puts us, we're living on about 50% of our gross revenue.
00:33:01.000 So we're tithing close to 50% of everything that we bring in.
00:33:05.000 And I don't share that to brag, but I share that because we've enjoyed the blessings and really have started to realize that the whole concept of it's more blessed to give than to receive is actually true.
00:33:17.000 So even though I would be happy becoming a billionaire like George Soros, my goal isn't necessarily to be the guy who's individually giving that much, because I think that if we can inspire a culture of giving among conservatives and among Christians, that collectively we can continue to counteract the evil that the far left is doing in this country and in this world.
00:33:41.000 When George Soros dies, I know he's got foundations and things like that, but what we know is that his vision will not last forever.
00:33:48.000 But if collectively we can inspire and create a movement of Christian conservative generosity, that it's not all dependent on one person, because I don't want it to be just dependent on me.
00:34:00.000 I want to raise my kids to be generous.
00:34:02.000 I want to inspire my neighbors, friends, and all of your listeners to be generous, to support great organizations like TPUSA and their local church and other organizations that are out there fighting for freedom, fighting for life, fighting for our kids to be safe from all of the radical agendas that are out there.
00:34:19.000 So it's really not about me becoming this multi-billion dollar giver, but it's really about collectively inspiring fellow Americans and really fellow citizens of the world that believe in biblical principles to start giving the way that God teaches us to in Matthew 25 and the parable of the talents.
00:34:41.000 And that's something I'm really passionate about.
00:34:43.000 Final thoughts to summarize the book, Kevin.
00:34:46.000 Yeah, well, this book is about helping you grow upstream in every area of life.
00:34:53.000 It's not easy, but I can tell you it's worth it.
00:34:56.000 It's a very simple, practical guide.
00:34:58.000 It's less than 180 pages.
00:35:01.000 You can go to uncommonfreedombook.com.
00:35:04.000 You can listen to chapter one for free and decide if the rest of the book is worth investment of your time and your money.
00:35:12.000 But I think it will be very helpful.
00:35:14.000 You know, the book's only been out for less than a month, and the feedback I've gotten from people who know me, as well as complete strangers, has been extremely positive.
00:35:22.000 Charlie, I'm incredibly grateful for the opportunity to come and chat with you and your listeners, and super grateful for all that you stand for and all that you do.
00:35:30.000 Thank you, Kevin.
00:35:31.000 See you soon, and thanks for your great support of Turning Point USA.
00:35:34.000 Thank you.
00:35:35.000 Absolutely.
00:35:35.000 God bless.
00:35:36.000 Thanks so much for listening, everybody.
00:35:37.000 Get involved with Turning PointUSA today at tpusa.com.
00:35:39.000 God bless, and talk to you soon.
00:35:43.000 For more on many of these stories and news you can trust, go to CharlieKirk.com.