All posts by Mickey Ellison

Mickey Ellison has over 18 years experience in the financial industry and has dealt with debt for over 22. He wants to use this experience to help improve the lives of others. Mickey also has a love for baseball and God. He plans to use what he's learned in baseball, finance, debt and life as a catalyst to helping others.

Common Sense – Slaves to Ignorance

What if we were in control, yet we were ignorant to that fact? What if 2008 gave us a hint, but in our fear and ignorance we were too blind to see it?

Let’s go back to 2008 for a moment. I’m not interested in conspiracy theory, simply looking at what happened. What happened to the price of real estate? They dropped and in some places significantly. Why? Forget politics and use common sense. What caused the prices to go up? The availability of debt! What caused the prices to come down? The inability to obtain debt. This is simple, if we apply common sense.

You ever have someone give you a card on your birthday showing the prices of items when you were born compared to the prices of items now? Have you ever asked why?

Now, let me ask you another question. Who is helped when prices go up? Are you? Am I? As a financial planner for 18 years, helping people plan for the future, we were taught of a multitude of risks that every family has to be aware of; market risk, political risk, longevity risk, and interest rate risk. Another was inflation risk. What is inflation? What causes it?

In economics, we are taught about supply and demand. If the supply is too high with little demand, the price of an item will drop. If demand is high, but supply is low, the seller can charge a higher price. So, if dollars are easy to borrow, what happens to the price of stuff in high demand?

I’m going to continue with questions in hopes that it will cause you to think. Is it easier for us to build a house today than it was 30 years ago? Can cars be produced faster and easier now than in the past? Is it possible to achieve a college degree from the comfort of your own home?

What if no loans were available for a house, a car, or a college education? What would happen to the prices? What if were content with where we are until those prices came down? Could you be disciplined enough to as NO to any new debt?

An evil man once said, “Give me control of a nation’s money supply, and I care not who writes the laws.” Mayer Amschel Rothschild.

Again, keep it simple. Who borrows the money? We do! Then who controls the money supply? We do!

When we figure this out as a people and act on it, we have a chance to free ourselves and our children from the burden of debt. This is a fight that we can win together if we use Common Sense!

Just Me, Mickey

I look back on my life and now understand what the writer of Proverbs meant when he wrote in chapter 16 verse 9, “In their hearts humans plan their course, but the Lord establishes their steps.” If I’m honest, for the last twenty plus years, He was establishing my steps even though I had no plan.

In 1999, I joined a financial planning firm despite having no interest in the industry prior to my father-in-law asking me to join in 1998. Prior to that, I had been floundering since my business failed in 1996 that left us with a mountain of debt.

Starting in 2009, after watching people lose half of their savings, I began to pray a specific prayer, “God, I want a door out of this business and I want to know the truth.” The more I studied and read, the more truth I learned, but the door would not open for another 8 and ½ years. When it finally did open, my faith was tested like no other time in my life.

Within two days of walking through the door, September 30, 2017, my dad went into the hospital and passed away on October 13, 2017. From October 2 through early November I would spend about 5 days at my house in Kansas and the rest of the time with my mom in SC.

On November 5th, while driving back with my oldest son from Oklahoma City after baseball, my wife sent me a text that read, “We have a new leak.” This would be the beginning of a disaster in our home that forced us out of our house for almost a month and to this date, May 7, 2018, the work that was supposed to be done, still isn’t finished.

On top of that, our youngest son has a condition called P.A.N.D.A.S., Pediatric Autoimmune Neuropsychiatric Disorders Associated with Streptococcal Infections. It’s a condition that we didn’t know existed until 2014. This is a condition that I would not wish on any child. Because of this condition, he has practically had to be home schooled since January.

This was not what I expected when God finally opened the door for me to get out of the business. Many times I even found myself questioning God and questioning myself. Did I not do what you asked? Was that really a door that opened or did I force it open? Then, I realized that had I not walked through the door, it would have been difficult to be with my dad when he breathed his last breath. I couldn’t have been with my mom while he was in the hospital or for the time after he passed.

For an entire semester of school, I’ve spent time with my son that I couldn’t have if I hadn’t walked through that door. And, despite the struggles, he continues to get better and one day, he may have the opportunity to help more people than I ever could.

What about the house? It’s just a house. We have a roof over our head, food to eat, clothes to wear, and a family that I wouldn’t trade for anything.

So, what now? I believe that each and every one of us have the opportunity to make the lives of others better because of what we’ve lived through and what we know. For me, that’s 22 years of debt and 18 years in the financial industry. And, only God could have orchestrated that. Romans 8:28 says, “And we know that in all things God works for the good of those who love him, who have been called according to his purpose.” One thing I know, is that I love God, and I believe that I’ve been called according to his purpose.

When I began to pray for a door out of the business, I thought it was because I hated the business. As I was approaching my last day in the business, the truth was, I didn’t hate all of the business. I really like helping people, but I was limited in how many I could help when my income was dependent on money under management.

How could I share my knowledge in a way that would benefit people? What was it I could do to get their attention? What should I call it? Complete Fitness? Mission Freedom? Today, I write to you as nothing other than Mickey Ellison, Me.

The knowledge that I gained in over 18 years in the financial industry has given me knowledge that could save people thousands of dollars in fees if they knew where to look. It has given me knowledge on how to help young couples prioritize in a confusing and overwhelming arena. Information that can help people make educated decisions when they change jobs or retire.

Most of the financial advisors that I know are good people that do want to help their clients achieve their goals. They are also people who have a built in conflict of interest because their income is usually derived from gathering assets or commissions and not advice. What I believe most people could use is a coach. Someone who’s income is not tied to how much money you have.

Think about it. Would you buy a house without ever seeing it? Would you pay $250,000 without having it inspected? Yet, that’s close to what most people do when they retire or invest money for any other reason. They hear terms that they don’t understand in a language that seems foreign, and assume it’s too complicated to understand. When the truth is, it is much simpler than most believe and taking a little time with someone to become educated may save you thousands, and prevent you from becoming a “victim” because you didn’t understand.

Please know, that everywhere you sign or initial on an investment application means something. Don’t sign it if you don’t understand it. I saw this hundreds of times while I was in the industry. Many times the advisor takes the blame but the reality is when you sign it or initial it, they assume that you understand. The book, prospectus, that they give you when you make an investment, should have every fee that you could possibly pay in it. On that application, you are signing that you’ve read that book and you understand.

The issue is, who can you ask that doesn’t have a vested interest in you making the investment? Maybe someone with 18 years of experience in the industry. Someone that was a Certified Financial Planner and had 4 different securities licenses.

Those 18 years of experience also had a direct relationship with 22 years of debt. Because of what we have had to go through with debt and my experience in the financial industry, I have an understanding of debt that most do not.

Debt is where the idea of Mission Freedom came from. Debt enslaves people, not only those that are in debt, but those that have no personal debt. My hope and prayer is that, we as a nation will gain an understanding of this because it very well may be the greatest threat to our freedom that exists, and there’s very little understanding of how. If we did, we would be doing everything we could to eliminate our own debt and joining forces to eliminate each other’s debt. And, I believe that can start within the church.

So, no more catchy names. It’s just me, Mickey.

mickey@mickeyellison.com

God Bless!

Education is Key: Victims of Ignorance

We are all vulnerable when we are ignorant. History if filled with stories of people who suffered because of their ignorance. Slaves in the United States were purposely kept uneducated by their owners. Products are sold to people with marketing techniques that are purposely used to manipulate.
Let’s face reality, it is impossible to be an expert in everything.
Personally, I would not consider myself to be an expert in many things, but education and experience has made all of us experts in something. There are a few things that I consider myself well versed in: Debt, financial planning, and baseball. In this blog, I am going to focus on two of them: Debt and financial planning because they work hand in hand. Both of these, I have learned more about through personal experience and education.
First, let’s look at financial planning. In 1999, I moved from SC to Kansas and began my financial planning career. It wasn’t a career that I sought, but the opportunity was presented to me and I accepted. From October 1999 until September 30, 2017, I learned things that I know can help people when they need it the most. Helping young couples when they are first married. Those same young couples as they start a family. People who have received an inheritance after the death of a loved one. Others who have lost a job and have retirement money that they need help with. Older couples as they were approaching retirement, and a host of other reasons why someone would seek a financial planner.
This world of finance can be a confusing world and it is ripe for those that prey on ignorance. In truth, most people that work in that industry are honest, hardworking people that want to help others. The problem is knowing who is and who’s not. To make it more confusing, there are celebrities that have made a living bashing the industry as a whole, and while speaking, they give generic information that sometimes can be harmful while lining their own pockets. Most often, people become “victims” because of their own ignorance.
In September of 2017, when I left the industry, I didn’t leave because I hated all of it. In fact, helping people is something I love, and I could see where help was needed but my income was dependent on selling investment products.
One question I began to ask myself was, “Why do people hand over a lifetime of savings to an adviser or broker and have no idea what they are investing in?” They are given a large book that describes what they are being sold and never read it. The interesting part is, the person selling the investment often times has not read the whole thing themselves. Think about it, you are 65 years old, you have almost a million dollars in a retirement account that has to last you for the rest of your life.
Would you buy a house for $500,000 without seeing it or having it inspected? Yet, people go into financial planning offices every day, hand over money, and never seek advice from someone that isn’t getting paid to sell the product. Some people are true victims of fraud while most are victims of their own ignorance and often their own laziness.
Eighteen years in the industry has given me knowledge that can save people thousands of dollars in fees that they don’t know they are paying because they chose not to read the prospectus or they didn’t know where to turn when they read it and didn’t understand what they were reading. Some of the most important advice I can give is, do not invest with anyone until you know what you’re investing in and how much you are paying for that investment. Not what the adviser is making! What you are paying! The two are different.
For younger couples, what should you focus on? The answer differs from couple to couple. What products to be aware of because they can be your first sign of a planner to stay away from if you know what to look for.
This is knowledge that I hope to share with anyone seeking help. Information that can prevent you from being a victim of ignorance.

DEBT
Now to debt.
For 23 years, debt has been a part of my life. Ours came from a failed business. For others it could be from student loans, auto loans, mortgages, medical bills, or credit cards. Going back to the young couple and even those younger. STAY AWAY from debt at all costs. Debt is an area where not only do I have experience, but I absolutely hate it. By working in the financial industry, I saw just how devastating debt can be. The fact is, if you were alive and an adult in 2008 during the financial crisis, you have seen just how destructive debt is but you may not know how or why. Financial giants disappeared; Lehman Brothers. And others, should have.
Have you ever wondered why those that were underwater in their mortgages were not bailed out, but those that loaned the money were?
Our everyday lives in America and around most of the globe are impacted by debt, even when we personally do not have debt ourselves. The prices of houses. The cost of cars. Especially the cost of college.
Many have offered classes to help people get out of debt. They’ve sold books, video and CD’s. None of which are bad, but we still have millions that are in debt. What I hope to start is not another class. Rather, I hope to start a debt revolution. And, my dream is a debt free body of Christ. Maybe one day, thousands of churches will join hand-in-hand to fight this beast and together we can slay it.
Ignorance is not bliss. Ignorance leads to slavery.

Mickey Ellison

Without Love, I Am Nothing

“If I speak in the tongues of men or of angels, but do not have love, I am only a resounding gong or a clanging cymbal. If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have faith that can move mountains, but do not have love, I am nothing. If I give all I possess to the poor and gave my body to hardship that I may boast, but do not have love, I gain nothing.

Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres.

Love never fails. But where there are prophecies, they will cease; where there are tongues, they will be stilled; where there is knowledge, it will pass away. For we know in part and we prophesy in part, but when completeness comes, what is in part disappears. When I was a child, I talked like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me. For now we see only a reflection as in a mirror; then we shall see face to face. Now I know in part; then I shall know fully, even as I am fully known.

And now these three things remain: faith, hope, and love. But the greatest of these is LOVE.” 1 Corinthians 13

Don’t Be a Victim of Willful Ignorance

By: Mickey Ellison

In 1999 I entered a field of work that I knew very little about. Wall Street was just something on television and retiring on a beach was only a dream. Before studying for the exams to become licensed, I did not know what a mutual fund was, much less about annuities, structured products, or real estate investment trusts. In this writing I will attempt to tell what I learned, some misconceptions, and how you may be able to prevent yourself from becoming a “victim” of your own ignorance.

My Experience:

For those of you old enough, you remember the Dot.com bubble that burst starting in 2000. If you aren’t old enough to remember, ask someone that is. As I stated in the first paragraph, I started in the financial industry in 1999, becoming fully licensed by November of 1999. Over the next few years, from 2000 until October of 2002, people would lose significant amounts of money that they had planned to use for retirement. They went from planning to retire at age 55 to not knowing if they would be able to retire at all. Companies disappeared and while some didn’t, many lost 90-95% of their value.

The first lesson I learned is that disaster brings on opportunity, and while my timing to get into the business seems unfortunate, it was actually perfect timing. When the markets are doing well, as they are today, people are less likely to move their money unless we get to an extreme where they become greedy because they didn’t make as good of a return as their neighbor. The business is like a carousel. When markets are good, most will tell you how great “their guy” is and when the markets are bad, that same “great guy” now doesn’t know what he is doing. There is this misconception that “their guy” knows when the market is going to go up and when it is going to go down, and when “their guy” fails at knowing that, they move on to the next.

Here’s what happens most of the time. The market goes up and “their guy” is great. So great that they tell all of their friends about him. When the market goes down, “their guy” no longer knows what he is doing and some will go so far as to call “their guy” a crook. So, after losing for a while, they find another “their guy”. Inevitably, they have simply moved their money at the bottom of the market, and the “new their guy” looks like a genius. Sometimes he is a genius for 4 or 5 years, and sometime he is a genius for longer, say from 2009 to the present. Their “new guy” was good from 2003-until sometime in 2008. Somewhere in 2008 or 2009 he became bad and they moved from the “new their guy” to the “newer their guy” when if they had stayed with the original “their guy”, the results probably would have been the same.

Another lesson that I learned is that some of the people that I worked with were good Godly Christians until they lost money. The business was very difficult on me. My wife even made the comment once, “you can’t win.” She saw the angst I felt when people lost money and she saw the vitriol that came from people who didn’t make as much as they could have because you actually did what they asked you to do. “Don’t lose my money!”

Here is some food for thought. We are taught that the stock market returns about on average about 10% annually long. That is true when you take a long enough timeline, but it isn’t true in 10-20 year time frames. There is some luck that comes into play if you are to stay invested in the stock market, and if you don’t stay invested in the stock market, you will not keep up with inflation. (Inflation and why we have it is another topic for another time) What happened to the person that retired in 1999 versus another person that retired in 2010 and in each case, they remained invested in the stock market and needed that money for income. The time frame that is being quoted is a little over 100 years and they have no idea what the next year will bring much less 10 years. That sounds like a long time, but when you consider the history of mankind, you realize just how insignificant 100 years is.

That gets me to another point. In my 18 years in the business, we were taught what is a reasonable withdrawal rate to last a lifetime and adjust for inflation. When I started in 1999, the withdrawal rates I saw were as high as 8%. At that time, the assumed rate of return was 12%. Since that time, I have read publications that suggested 6%, 5%, 4%, 3%, and some as low as 2%. What was the correct amount to tell someone? There is no way to know until a few years pass. If the market went up when you started taking income, you will probably be okay. If it went down, you may be out of luck. It’s gambling with better odds than Vegas, but consequences that could last the rest of your life.

Misconceptions:

In this section, I will write briefly on some misconceptions. Briefly because the most important section of this writing will be the last section, titled “Clients”.

One misconception is that financial planners charge too much in fees and they often are more concerned about their income than the clients that they serve. In my 18 years as a planner, most of the people I met in the business genuinely care about the people they worked for. That being said, I do believe there is difference between an investment adviser and a planner. The planner is someone that I see as more of a coach and if their income is dependent on selling you something to get paid, there is risk. An investment adviser on the other hand should be compensated on results according to how, you the client, told them to invest and not in comparison to someone that is invested aggressively when you asked for conservative.

Another misconception is that your adviser knows when the market will go up or down. Yes, they have access to research, but that research doesn’t make them a market prophet. What caused the market to go down? What caused it to go up? In most cases, they don’t know until it after it happens, and my personal belief is that most of what they learn are symptoms and the real cause may be something that gets very little attention and most people are unaware of, central banks. There are many conspiracies regarding central banks, but one thing is for sure, they wield power that probably should never be in the hands of anyone but God. Power that has very little if any concern for you and I as individuals and families.

We often read and hear about victims of investment fraud. Unfortunately there are those that prey on ignorance and that leads us to our final section.

Clients:

In my 18 years as a planner, I saw some really bad investment products, but I also saw willful ignorance on the part of the clients. One question I always had is, “How can you invest $500,000 and not know what you are investing in, nor do you know what you are paying in fees?” Every single product that I sold had a book that came with it and in that book was every fee that was charged  or could be charged and what risk the client was taking. Amazingly, I saw hundreds of people, invest hundreds of thousands of dollars and not read that book. They only read the glossy sales material.

Many have said, “Well I don’t understand it anyway, so what’s the point?” The point is if you don’t understand it, find someone that does, and until you do understand, don’t do it. We are often victims of our own apathy and laziness. Below I will list some things that you should do before you do any investment.

  1. Do not sign the forms on your first visit. In fact, if you are being offered a product on the first appointment, you should be wary. In most of those cases, the person has already decided what it is that they want to sell before they met you or know what your needs are.
  2. Take the time to read the prospectus. The risks are disclosed as well as the fees.
  3. Don’t be as concerned about what the planner is making rather be more concerned about how much you are paying in fees. Fees are not bad if you know what they are. Being surprised by how much you are paying two years from now is ultimately your fault because the fees are required to be disclosed.
  4. Ask your adviser how much your fees will be. All of them, not just what they are getting paid. In most cases, I got paid 1%, but the total fees could be upwards of 4-5% and in some cases I saw 12%. Put that in dollars, if you invested $100,000, I made $1000, but you may have paid $5000. This may explain why your return is lower than you expect. It may also be that the fee is necessary to give you what it is you asked for. You might even be surprised to find out that your adviser doesn’t know all the fees that you are paying.
  5. If you are told that there are no fees, your antennae should go up. The person you are working with is getting paid something. I’ve seen products that claim that there is no fee, yet my compensation could be as high as 10-12%. Put another way, I sell you something for $100,000 and I get paid $10,000. That money is coming from somewhere!
  6. Separate you investment adviser from your coach. Your coach is someone that can help you focus on your goals and can possibly help you when it comes to picking an investment adviser. Take me as an example. Most of the products offered, I have seen, and I’ve read those disclosure books and I understand them. Understanding what it is that you are investing in and how much you are paying upfront will prevent you from a surprise 5-10 years down the road when it’s too late.
  7. Take responsibility and do not become a victim especially because you were willfully ignorant. Put another way, lazy.

Most of these things to do are for those with higher amounts of money to invest. For those that are just getting started in investing, there are some definite warning signs for you as well. In fact, with some education, you might be able to do most of it on your own. Life insurance is a must for young couples, especially with children, but the type of life insurance that you are offered may be your sign to go somewhere else. This is especially true if you have a limited amount of money to invest. Email me or comment if you have questions.

Broke, Overweight, and No Meaning

Nineteen years ago, I left my home in South Carolina for Wichita, KS. I was broke, overweight, in significant debt, and I felt I like my life had no meaning. While believing in God, He was not a major part of my life. Sure, I went to church but that was about it, but my faith was dead.

That move would change my life but it would take almost the entire 19 years. In becoming a financial planner, I was introduced to a world that I didn’t know existed. A few short years after making the move, I was making a little more money, but continued to gain weight. Topping out somewhere around 260 pounds.

One morning I finally woke up and was so sick and tired of being fat, I decided to do something about it. No fad diet, just common sense, and a drive that has never left. Through those years, I learned a lot, and now, after 15 years of maintaining, I hope to help others do the same. Mistakes were made, and my body reminds me of that. Hopefully I can help others to not make the same mistakes. Teaching that it’s normal for your weight to fluctuate, but to set limits on how much. It is simple and it works.

Back to the financial planning experience. Just this past September, I stepped away from the business, but the knowledge that I gained in those 18+ years is something that I hope to share as well. What I want to teach, just as in fitness, is common sense. There were also things that I saw in the industry that conflicted with the teachings of scripture. Things that everyone should know before visiting with a broker or financial planner.

Finally I turned to God in 2009 and gained an understanding of scripture that I only wish I had known earlier. The Way to salvation is there, but there is so much more and if we as a Christian community will turn to it and believe it with our hearts and minds, we have the opportunity to build stronger communities, and recognize when we are being taught falsely.

In 2014 I introduced a name, Complete Fitness, not understanding the significance of the name and experiencing frustration until now, that even caused me to question God as to why He led me to it. Today, I realize that we can be so much more than we are. Not for fame, not for fortune. Rather, to be the light of God on this earth, and ultimately lead people to Christ when they see He is why we do what we do.

 

Depart From Me

It’s real easy to point fingers and avoid the truth. The message from Matthew 25:41-46 is the truth. How many times have I passed someone that is hungry and didn’t feed them when I had the resources to do so? Children without clothes, people sleeping outside when it’s freezing, and I did nothing.

What will God say when we stand before Him? Will we tell Him they suffer because they deserve it since they made bad decisions? Have I ever watched something I knew I shouldn’t. Have I ever stolen something? Have I ever lusted knowing the definition of adultery given by Jesus? How wretched am I? How wretched are we all?

We talk as if God needs us. We call ourselves successful and we show it by houses and cars and other material items. And, we have the nerve to say we earned them.

Think about our arrogance. God spoke things into existence. The earth, the moon, the stars, and the entire universe and we think He needs us? How deluded we are!

Will He say I blessed you beyond any people to walk the earth and you dishonored me? You built large houses. You bought cars. You built cathedrals. You did all this as if I needed it. I didn’t give you this abundance so you can retire. I warned you about the farmer who built barns only to die.

You could have fed the entire world. You threw away food that could have fed millions. You entertained yourselves with movies, sports, and concerts while my people were starving and being persecuted and killed because of My name. Get away from me, I never knew you!

God, break our hearts. Open our eyes and point those fingers back at us because we are guilty. We have sinned and because you are merciful, we don’t have to get what we deserve. We deserve Hell but instead You sent your Son as the perfect sacrifice. He took what I deserve and because of that I will live my life as Jesus taught. And, ask your forgiveness when I fail. You are God of all. You are the creator of all with wisdom I’m not capable of understanding. Despite the wretch I am you love me and provided me with eternal salvation despite deserving eternal damnation. Amen

“”Then he will say to those on his left, ‘Depart from me, you who are cursed, into the eternal fire prepared for the devil and his angels. For I was hungry and you gave me nothing to eat, I was thirsty and you gave me nothing to drink, I was a stranger and you did not invite me in, I needed clothes and you did not clothe me, I was sick and in prison and you did not look after me.’ “They also will answer, ‘Lord, when did we see you hungry or thirsty or a stranger or needing clothes or sick or in prison, and did not help you?’ “He will reply, ‘Truly I tell you, whatever you did not do for one of the least of these, you did not do for me.’ “Then they will go away to eternal punishment, but the righteous to eternal life.””
‭‭Matthew‬ ‭25:41-46‬ ‭NIV‬‬

It Almost Killed Me and It Still Could

There have been many nights  when I’ve thought, “My family would be better off without me. I have life insurance and that would make them debt free.” What has stopped me is my love for my wife and two boys, and faith in God that He can use our story to free others. Sometimes that faith is strong and at other times it is very weak. Those weak times scare me.

The weak moments make me think of others. No matter what someone looks like on the outside, there could be a storm brewing inside of them. They may look healthy. They may look like they have everything, but unless you can get inside their head, you have no idea. When you gossip with others about them, you are probably so far off the mark it isn’t funny, and what you are doing is WRONG! They could be one word away from ending it all. You want to be responsible for that?

In the last few years, comments have been made to me about people in debt, and I’ve remained quiet. One was about how there is no way they would help someone who has credit card debt. How ashamed would they be if they knew we did? They went on to say some other things and I didn’t say a word. Do they know that at 24 years old, I tried to start a business that failed? They know the business failed and we had no income when it did?  Do they know that we had to live in a 1 bedroom apartment for two years as the debt continued to grow despite my wife and I both working? Were they there to see the panic attacks at 26 years old? A feeling as if you are having a heart attack and no one knows. No, they simply made one of the meanest comments to someone that had lived through hell and by the grace of God is still here.

The last 22 years have been a mental and emotional hell. One that I’ve kept inside with smiles on the outside and tears on the inside. The thing is, if our hell can be used to free others, then every panic attack will have been worth it. There is over $1.4 trillion in student loan debt. A trillion more in credit card debt along with trillions more in mortgages and car loans. That means there has to be millions more like us! They feel hopeless and because of our opinionated and cruel society, they are afraid to say anything.

For those that feel no pity or have no sympathy for people who are in debt, just go away. You are not welcome.

Mission Freedom

For those of you that do have sympathy or empathy, welcome! There is hope and if we work together with no selfish ambition, there is freedom. The question is, despite your own circumstances can you give? Will you give? Will you believe? Is there 1 million people out there that will give $30.50 a month to become a part of a mission where 100% of those dollars will be used to eliminate the debt of those giving?

Are you willing:

  1. To give $30.50 a month. One dollar a day in leap years. One extra dollar with 365 days.
  2. For at least one month, write down every penny you spend and what it paid for?
  3. Agree to use no form of credit to purchase anything unless it’s an emergency or you talk to a mentor?
  4. To be accountable to someone?
  5. Willing to share all debts with our mission in confidence? Why?

We will attack the smallest debts of the group first and move on from there. We will only write checks made payable directly to the creditor. And we will use 100% of what is given to the freedom fund to reduce debt.

Then we will pray that someone will sponsor us to spread this mission throughout the entire country. Who knows what we will be able to do when millions are debt free?

Debt almost killed me. It will kill someone and it doesn’t have to be this way. There is hope. That hope is us. And, “Where the Spirit of the Lord is, there is freedom!” 2 Corinthians 3:17

Mission for Freedom

What was once considered a curse is considered a blessing and is now a mission for freedom.

The mission is simple. Destroy debt! Twenty three years of being a slave has educated me on the horror that is personal debt. Eighteen years in the financial industry woke me up to how we are all slaves to debt whether we have personal debt of not. Those with personal debt know all too well how debt has enslaved them. The challenge is for people without personal debt to understand that they are slaves to debt as well.

Understanding how personal debt enslaves the people that are in debt is easy. Just ask anyone that has student loans or credit card debt and no idea how they will ever get out.  Understanding how debt threatens the freedom of all of us is difficult but simple.

My wife and I have dealt with personal debt for over 23 years from a failed business. Some of you have been paying on student loans that could be with you until you are in the grave unless something changes. Others are slaves to debt simply because of their own personal desires and now find themselves in a living hell. Thirty year mortgages and seven year car loans haunt others. What if all of us decided to fight each others’ debt together rather than alone? How fast could we free one another? What if every church in America joined us? Mission number one is a debt free body of Christ!

Debt is the greatest threat to freedom ever created by man!

The challenge for many to understand this is because we have allowed ourselves to be divided by politics and our own ignorance. Understanding our financial system will change how one views politics and until you do, you will argue in ignorance.

My hope and prayer is that millions will join in this fight against debt. We will be creating a fund where 100% of the money given to the fund will be used to help free individuals and families from their prison. Even if you are in debt yourself, could you give $10,$20, or $30 a month to free someone else? Selfish ambition got each of us in this mess. Selfless ambition can get us out.

Freeing one another is the first step toward freedom. Understanding debt can free us all!

We are starting this mission with nothing more than a Facebook page and prayers that some of you support this mission financially and invite us to speak. You can reach us by commenting on this post or on our Facebook page, Mission Freedom. Or by email, mickeyellison71@gmail.com

God Bless!

 

 

 

 

 

 

 

 

Stand Firm

What is the purpose of Armour? Obviously it is for protection, but let’s be honest. Most of us will never need the knight’s helmet or sword. We’re probably never going to need a shield to protect us from real arrows being shot at us from an enemy.. But, everyone that is seeking to earnestly serve God does need the Full Armour of God.

This life can be brutal and if we aren’t protected by His armour we subject to powers that we can’t even see. The most potent force we will ever face can’t even be seen. Think about what Paul wrote in Ephesians 6, “For our struggle is not against flesh and blood, but against the rulers, against the authorities, against the powers of this dark world and against the spiritual forces of evil in the heavenly realms.” Those spiritual forces will use anything and everything against us to keep us away from God.

The first thing Paul mentions for our protection is the belt of truth. What is truth? Jesus said, “I am the way, the Truth, and the Life. No one comes to the Father except through me.” As a believer in Christ, we should know the Truth. Jesus himself told us what the truth is. A non-believer will think we are crazy, but Paul also told us about that in 1 Corinthians 1:18, “For the message of the cross is foolishness to those who are perishing, but to us who are being saved it is the power of God.”

Next is the breastplate of righteousness. Got Questions.org gives a much better description of the breastplate than I can. We are made righteous through the blood of Jesus. Paul writes about this in Chapter 3 of Philippians, “More than that, I count all things as loss compared to the surpassing excellence of knowing Christ Jesus my Lord, for whom I have lost all things. I consider them rubbish, that I may gain Christ and be found in him, not having my own righteousness from law, but that which is through faith in Christ, the righteousness from God on the basis of faith.” Christ makes us righteous, and our works are evidence of our belief.

From there, Paul writes about our feet being fitted with the readiness that comes through the gospel of peace. Having the belt of truth, Christ, and being made righteous through him, having proper shoes allow us to move in battle. Those powers of darkness mentioned earlier will attack and we must be able to move or stand firm. Got questions explains the purpose of our feet being fitted with readiness both as offensive and defensive. Those shoes will help us stand firm in the gospel when we are in battle against the enemy but they also help us move to share the gospel of peace with others.

Paul then goes on to take up the shield of faith. We have our belt of truth on, wearing the breastplate of righteousness, with shoes to move. Now we have a shield to protect us. We are constantly being attacked by scientists, professors, teachers, and others that do not believe. Remember what Paul said about the message of the cross being foolishness to those who are perishing. Knowing this protects you from those that willfully want to attack such as some scientists and some professors. And, when sharing the gospel, you will be attacked by those that don’t believe and are unwilling to believe. In some parts of the world, you will even be persecuted or killed. That, I believe, is how those martyred could go to their death in peace.

Then there is the helmet of salvation. What a beautiful thing, the helmet of salvation. This is the assurance that no matter what happens in the battle, in life or in death, our salvation is secure. Nothing on this earth can take that away from us unless we allow ourselves to be led astray. This cannot happen if we have the final piece of Armour which is the sword of the Spirit. The Word of God.

Today, unlike any other day, scripture is at our fingertips in most parts of the world. Unfortunately not all. Paul, Peter, John, and Jesus warned us that there would be false teachers. False teachers are in great supply. Paul in one of his letters to Timothy went as far as to say that people would gather around them teachers that will teach what itching ears want to hear. So not only are there false teachers. There are those that seek them out because these teachers will teach what they want to hear versus what they need to hear.

Maybe the early believers had an excuse. Unlike us because they didn’t have the Bible accessible to them through apps on a phone or a computer. Today, in an instant, we can look up scripture to verify what the teacher is teaching or see if they are misleading by taking the words out of context. Whether they were intentionally taken out of context is between the teacher and God. But, we should always be on guard, realizing that there will be those that “peddle the gospel for profit.” And, the sword of the Spirit is our defense.

Stand Firm in God’s Armour!