The moment that changed everything

"I'll never forget looking for the house number — and seeing a boat parked in the driveway. I thought we had the wrong address."

I was on a home visit with a church friend, going to help a family in need. But what I found stopped me cold. A boat and a nice truck are parked in the driveway. I thought we had the wrong address. As we walked inside, the first thing I saw was a big television — an older model, but the kind that cost three or four times of a regular TV when it was new. Furnishings that told me this family had worked hard, earned money, and wanted a good life.

They weren't reckless. They weren't irresponsible. They just never had anyone teach them how to build a financial foundation beneath everything they were building on top. And when one bad thing happened — the kind of thing that happens to every family eventually — there was nothing underneath to catch them.

That visit didn't make me feel sorry for them. It made me angry at the gap. The gap between what families earn and what they're ever taught to do with it. That gap is what I've spent the last two decades trying to close.