This episode of A Guy’s Perspective takes a hard look at one of the biggest pressures men face today: money.
The conversation dives into what financial freedom really means—and whether a man’s worth is tied to his ability to provide. From rising costs of living to the reality of debt, the guys break down why so many men feel like they’re falling behind, even when they’re working hard.
They tackle tough questions: Can you truly feel secure without money? Has the American Dream become unrealistic? And what happens when financial mistakes stack up over time? Real-life experiences—missed opportunities, debt, and even
SPEAKER 06 :
I can’t hide myself I don’t expect you to understand I just hope I can explain What it’s like to be a man
SPEAKER 04 :
Welcome to A Guy’s Perspective, where they discuss real-life topics that men today are dealing with, whether married, single parent, or just single. We invite you to call into this live program with your comments and questions. And here they are.
SPEAKER 06 :
I just hope I can’t explain it.
SPEAKER 09 :
How’s everybody doing today? This is KLZ 560 AM. You can call in and talk to guys at 303-477-5600. Actually, I want to correct that.
SPEAKER 11 :
This is actually the guy’s perspective, not KLZ 560. We are on 560, and thank you all, you listeners. But let’s clarify that, because the reason why is because we have a YouTube account, we have a Facebook account, we have our podcast, and so does KLZ. Thankfully, we appreciate them, too. But the guy’s perspective at… Well, Facebook.com or any of those. Yeah, and Spotify. So check us out.
SPEAKER 09 :
Thank you for that. Yeah, and call in at 303-477-5600. Let’s go around the room and introduce ourselves.
SPEAKER 11 :
You want to start, Dre? Who, me? Yeah. Yeah, this is Dr. Dre, doctor of psychology.
SPEAKER 08 :
Oh, doctor. I’m the doctor of janitorism. It’s an ism. Jesus, man.
SPEAKER 10 :
I’m Brock. And this is Heath.
SPEAKER 09 :
What does financial freedom look like to you guys? If you handle your money right and follow a budget, how will your life end up changing as it currently is right now?
SPEAKER 08 :
So it’s all about finances today?
SPEAKER 10 :
Yeah, didn’t you get the memo?
SPEAKER 08 :
Well, it’s about some money, that’s for sure.
SPEAKER 10 :
Yeah, it’s important to really pay attention to finance. I mean, there ain’t nothing that can be done in this world without having money, right? Money answereth all things.
SPEAKER 08 :
Yeah, and I think there’s just a ton of different avenues we can go into trying to invest our money for the long run so that we can retire. I mean, there’s so many different avenues. I mean, which way should we go?
SPEAKER 11 :
Well, I mean, the biblical response is to be able to not only provide for your children but your grandchildren. I think in Jewish philosophy they strongly believe that. I do not know one poor Jewish person out there.
SPEAKER 08 :
But, I mean, how hard has it gotten now? Okay, so they said that, you know, A, B, C, you know, thousands of years ago. But look at the times we’re living in now and the cost that it takes. To survive, I mean.
SPEAKER 11 :
The inflation, et cetera.
SPEAKER 08 :
Oh, yeah. So it would be so much harder now to have a wealth that would provide for your grandchildren. I mean, I just seem like a. I guess it depends on the wealth, right?
SPEAKER 11 :
I mean, whether you’re wealthy in assets, things like that. I mean, you can pass those type of wealth, you know, that type of wealth down, you know.
SPEAKER 10 :
Well, I would say just as one thinks that now it’s more difficult or more convoluted or complex to generate wealth, that now is an opportunity for people to generate wealth that couldn’t before. Because wealth inequality and stuff, when there were kings and paupers, then people didn’t really have an opportunity to acquire wealth. But now you’ve got kids making millions of dollars a day on TikTok. Content creators. Content creators. You’ve got guys like us at Ram and Jam with tradesmanship, trade work. But I do think… I think that one of the leading problems that we all have is the keeping up with the Joneses and not really buckling down and working on our impulse control. Absolutely.
SPEAKER 09 :
I need a little bit of that. Because I think today it’s easier to obtain wealth than any other day ever. anybody’s ever lived on this planet. So with that in mind, do you have peace of mind and control over your life if you can’t handle your money the right way or follow a budget?
SPEAKER 10 :
I think that a lot of people do have lack of peace because they don’t have their finances in order. I myself, when I have money readily available and it’s pouring in, I certainly feel more peaceful. I don’t know. At peace? Financial peace? Well, and it’s funny. It’s funny. I don’t even know if it’s peace. It’s like I feel bold. I feel strong. I feel like, you know. You could take over the world.
SPEAKER 09 :
Yeah, man. Because money brings true security, guys. In 2026, it does.
SPEAKER 11 :
I don’t know. If you look at certain religions, you know, money isn’t everything. I mean, you look at Buddhists, like the monks and that. You know, they don’t focus on money. They focus on, you know. doing the right thing being a good person being you know content with what you have and surely jesus said the exact same thing you know to the roman soldiers be content with your wages you know i mean you look at all these things wages be content with your wages well how many people listening are not content with their wages
SPEAKER 09 :
I’m not. I’m not content with my wages. Not at all. I want everything that America has to offer.
SPEAKER 10 :
Right. I mean, what’s the average standard raise that everybody gets?
SPEAKER 1 :
3.5%.
SPEAKER 09 :
No, it’s called a living raise. Cost of living. Right, which is like 3%.
SPEAKER 08 :
Like 80 cents.
SPEAKER 11 :
But that COLA raise is usually dependent. If you work for government, that’s guaranteed. It’s not guaranteed to everybody.
SPEAKER 10 :
No, it’s not. And there’s no telling what the influx of the state or country you live in is going to happen. Colorado, we know that it has blown out of proportion and the cost of living here has gone up immensely to anybody’s income.
SPEAKER 09 :
For sure. So if you make $60,000 a year and the interest rate to buy a house with normal credit, not good credit, is 7.5, how does a person do that off of $60,000 a year?
SPEAKER 11 :
Well, if you do the math, you can’t. You can’t. Unless you can prove otherwise. I mean, the mathematical equation on it proves that you just can’t make it happen.
SPEAKER 09 :
So if the American dream is to obtain a house and a family, then you do not have true security without money.
SPEAKER 11 :
Well, it’s a form of security. I mean, for women, they are looking for a man who is secure, right? And secure in a job, secure in finances, secure even in a home. So if you’re living at your mom’s house or something like that and you haven’t… Oh, my bad. That’s me. Gotcha.
SPEAKER 09 :
Well, okay. So to you guys… You’re with the sugar mama, right? So to you guys, what is financial security? catastrophic like failure look like to you guys like because there’s some people out there that that they’re losing everything as we’re talking and that’s catastrophic to them well i i take it a different way because i feel like i’m in that situation right
SPEAKER 08 :
Perpetually? No, no. You’re dealing with financial catastrophe right now? Yeah, because I mishandled my money, right? So I lived with my mom for, you know, 20 years now. You moved out? No, no. I lived with my mom for 20 years. I got a good job, you know, 20 years ago. And all this time, I could have been saving money. All this time, I should have been putting money back, you know, for a place to live. Okay, so if I’m putting, you know, $400 or $500 away… you know, a month, you know, 20 years ago down the road, I could have had me a house by now, right? I got, wait, wait, I could have had me a house by now.
SPEAKER 11 :
All that advice. I told you.
SPEAKER 08 :
Yeah. Right. And not knowing that the economy was going to change like it did. I could have had me a house and I could have been renting it out by now, but no, I, I blew my money foolishly.
SPEAKER 11 :
And so I feel like, you know, cause, cause you know, it’s so money really is a nature or I’m sorry, not a, it’s a habit. It really is when you think about it. It’s something that you either choose to make an effort to save it, invest it, whatever the case may be. Otherwise, you just spend like a madman, like a drunken sailor, and hope for the best, it seems like.
SPEAKER 10 :
Well, and here’s one of the things too, Bri, is it said, when’s the, when is the best time to start anything? And with, with 2020 vision, looking back, you always say, well, I should have started way back then. But the second best time to start is now. It’s today. If you already know what you missed out on, then just start today.
SPEAKER 09 :
This is good advice and call at 303-477-5600 to all our listeners. So if your net worth equals your self-worth. And if none of us in this room right now are currently millionaires, are we really living up to the status we’re supposed to be living up to?
SPEAKER 11 :
Well, I’m sure with Heath and I, I mean, we’ve had millions pass through our, you know, being self-employed and whatnot and having our own business. You know, we’ve had the millions come through. But, again, it’s a choice of living like the Jones, keeping up with the Jones, or basically saying, you know what, I’m going to live in a modest home, live with a modest vehicle. You know, just enough. I really like Dave Ramsey’s policies. Do I like all of them? Not all of them. I mean, especially in Colorado. I mean, when you look at his old work, most of the time he’s quoting homes that used to be 20 grand. Colorado, what, the median is about 500? Oh, yeah. Half a mil, yeah. New strategies basically for a new era.
SPEAKER 09 :
When a man can’t provide, he feels like he’s failed on his morals. Is that true today as a man? Do you feel like if you cannot handle your money, do you feel like you were felling yourself? Forget your family, forget everybody around you, yourself. Do you feel like you’re felling yourself?
SPEAKER 11 :
I do. I mean, you know, you’re… Men were initially, at least the way I was trained, is to be a provider. And, you know, with this economy, you know, it’s not the same like Brian had mentioned. It’s not the same economy from even 20 years ago.
SPEAKER 10 :
Is it tied to chivalry? Seriously. It’s like holding open the door, changing somebody’s flat tire. Because you have, when your cup is full, then you can give, then you can help. And I don’t know what it is, but it is kind of tied to the male ego, I think, to be the provider.
SPEAKER 09 :
Well, I can tell you why you said that right here. Okay. And just give me a second to say it.
SPEAKER 10 :
Is it societal?
SPEAKER 09 :
Is it American society, too?
SPEAKER 10 :
Because you’ve got to look at that as well.
SPEAKER 09 :
It’s not. Ancient history, 1482 B.C., was primary a provider time. The Middle Ages, 476 AD to 450, the provider’s worth was tied to his lands, his ability to labor, to be able to fight, protect his family. A peasant man, somebody who didn’t have anything, wasn’t worth anything. So what happens throughout history is in our DNA, we are built to be providers. And if we don’t have money, then we’re losing it.
SPEAKER 11 :
So for someone that is in debt, then they’re a modern day slave. Because back in that time, they were serfs. Good, good, good, good, good point. Serving the royalty or, you know, a few crumbs were thrown their way.
SPEAKER 10 :
So then it does come down to performance. We get performance anxiety or we perform well.
SPEAKER 09 :
No, for sure.
SPEAKER 1 :
100%.
SPEAKER 09 :
Because look at this. Money is a tool like any tool. You can keep using a broken tool, but you’re not going to go anywhere with it. If your money is broken, you’re broken.
SPEAKER 08 :
I think I’d have to do a statistic of how many homes the wife has to work in, right? That would be my ruling stick for my life.
SPEAKER 11 :
Well, clarify what do you mean?
SPEAKER 08 :
Like how many homes – because he asked the question how many men – or the prayers that they’re not providing for themselves. So I would have to get a ruler and examine how many homes where the wife actually has to work to help the home.
SPEAKER 09 :
I did a statistic on that for you. Tell me. Because I figured you’d come up with that. In 2025 and 2026, women initiate approximately 66% to 70% of all divorces. because they do not feel financially secure, so 45% of those ones that initiate that divorce feel like that man cannot be a provider for them.
SPEAKER 08 :
So it’s a high stat, dude. No, but I’m asking the stat for how many women are actually having to work.
SPEAKER 09 :
Well, that’s what I’m saying. 45% because now they have to leave their kids and go to work. So they’re feeling like he cannot be the man he used to be.
SPEAKER 10 :
Yeah, and that’s been since the 60s or something like that.
SPEAKER 11 :
Yeah, it’s very high, dude. Yeah, I think you’re right. Probably around the 60s because in the 50s it seemed like you were able to buy a car, a home, etc. And the wife could just stay home.
SPEAKER 10 :
Now it absolutely requires at least two incomes to even have the slice of American pie.
SPEAKER 08 :
I mean, think about the money people are paying out for kidding. Child care? Yeah, child care. It was retarded, bro. $1,000 a week. It’s like, dude, okay, that plus the rent.
SPEAKER 10 :
Is that outlandish? Is that wrong? No, yeah, you’re right. Yeah, that’s good.
SPEAKER 11 :
It’s almost, I mean, the child care I had to pay, you know, because my ex wasn’t only providing $150 for three boys. Yeah.
SPEAKER 09 :
What do you think your child care was on that?
SPEAKER 11 :
It was equal to another job.
SPEAKER 09 :
Wow.
SPEAKER 11 :
Wow. I mean, but now we’re talking years, you know, a couple decades.
SPEAKER 08 :
We’re just talking child care. Forget health insurance. I mean, this is the bare necessities. This ain’t even for food. Right. Exactly. I mean, and we’re already in for a couple grand. You’re right.
SPEAKER 11 :
And the gas, you know, for transporting your children to and from.
SPEAKER 09 :
So how does a person make it off of $60,000 a year now? They’re going to struggle, period.
SPEAKER 11 :
Well, it depends. I mean, if you owned or were gifted a home from your parents, grandparents, etc.,
SPEAKER 10 :
different story you could live a modest life but it’s it could be a struggle you know i’d like i’d like to give a shout out to my dog her name is baloo and uh it reminds me of what brian said about the bare necessities some people maybe from a buddhist standpoint would agree with the bare necessities uh what is that it’s just the In 2026, can a man ever truly, and let’s get down to it, we’ve talked really good stuff so far, but can you ever feel like you are worth
SPEAKER 09 :
You’re salt if you have no money.
SPEAKER 10 :
Bro, I’ve been chasing this. You guys know. Anybody who knows me knows that I’ve been chasing this for a long, long, long time. And chasing what? Chasing financial freedom, financial security. Because from 21 years old, well, from a very young age, I was an entrepreneur. I know Trey is too. And then I bought houses when I was 21 years old. I bought four properties. I took that risk and lost that man, $650,000 bankruptcy and lost four houses that you don’t, you don’t get that. You don’t get that without risk.
SPEAKER 09 :
No, you’re a hundred percent right. And do you think knowing what you know now, would you go back and do that? I’d have to, man. Fat chance. Hey, Doug, how are you doing? Talk to us. Talk to us, Doug.
SPEAKER 07 :
Hey, guys. Something that would really help a lot of people is to read or listen to a really old book called The Richest Man in Babylon. It’s pretty straightforward, and it makes sense. There’s rules of gold, and then there’s rules to what they call fattening thy purse.
SPEAKER 11 :
You know, I have that, don’t you?
SPEAKER 07 :
Oh, do you?
SPEAKER 11 :
That’s in my library, but it’s a great book to read. I’ve read it. But continue, yeah, carry on.
SPEAKER 09 :
Doug, can we ask you a question? What do you think about, what does financial freedom mean to you? As our listeners listen, what does it mean to you?
SPEAKER 07 :
On my calendar, not my accounts. So if I have to go to work every day for a certain number of hours just to survive, I’m not very free, but if I manage my money and make my money work so that I don’t care if I take several days off and go somewhere or relax at home or whatever, my calendar freedom to spend time as I choose with family, friends, or even alone.
SPEAKER 10 :
We didn’t even think about that right there, guys. It’s the buyback of time, Doug. Nice.
SPEAKER 07 :
One other question. You can’t truly buy back in any other way. Once it’s gone, it’s gone.
SPEAKER 09 :
One other question for you, Doug, and we’ll let you go. This is an excellent show today. Being a provider, how crucial is that in 2026? Is a man really worth his salt if he’s not a provider?
SPEAKER 07 :
Every man needs to provide something in some way that it’s just part of being human. a great deal of person’s self-worth is found in what they do and what they’ve accomplished every day.
SPEAKER 03 :
Wow, that’s strong.
SPEAKER 07 :
Whether they are at the moment or not, but once they start working towards that, they must recognize they’re instantly a success because they’re headed in the right direction.
SPEAKER 09 :
Thank you, Doug, for the call. Really appreciate that, man.
SPEAKER 08 :
Thank you, Doug. All right. Thanks, Doug. Right on. Yeah, he said something that really stuck the cord about. He did. I mean, his freedom is, you know, time. Absolutely. The calendar. And I was thinking about how many people. And the first thing that crossed my mind was how many people, you know, got into the divorce because he’s never home. So, I mean, you can sit here and try to provide for your family all you want. You can go to work. But if you’re never home and you’re never spending time with your wife, you’re going to end up in a divorce anywhere there, buddy. No, yeah, and that’s a good point you’re making right there.
SPEAKER 09 :
But in order to, if you notice what he said first, he said calendaring, in order to do that, you have to be able to invest and save the right way. If you can’t manage your money, it don’t matter what you do.
SPEAKER 10 :
I’m going to play devil’s advocate here.
SPEAKER 09 :
Okay.
SPEAKER 10 :
That was good stuff Doug said, though. It is, it is. Doesn’t a homeless man have a freed up calendar? Oh, that’s funny you said that. I’m just saying, you know, I’m just trying to play devil’s advocate.
SPEAKER 09 :
Hold on, look at this. In 2026, society largely judges a man on his worth. When you meet somebody for the first time, the number one question statistically they will ask you is, what is your career? If you tell them you don’t have a job, they instantly walk away from you and think you’re a lazy bum and a piece of crap.
SPEAKER 10 :
Yeah. Disregard.
SPEAKER 09 :
That’s just how it works, dude. A piece of crap. Well, no, no, no, no. But I mean, you see what I’m saying? Like, it’s the number one question. If we walk out of here today and walk up to someone and say, hey, how are you doing? My name is Bob. What’s your career? It’s probably going to come from one of our mouths.
SPEAKER 11 :
Probably swimming, Bob.
SPEAKER 09 :
No, not swimming. So what he said, so at the end of the day to our listeners, how would you guys tell your listeners to obtain financial freedom?
SPEAKER 08 :
Well, my first advice is… Live at home with mom? If you can. If mom’s still alive. No, my first advice is invest in a whole life insurance policy. I mean, it takes a while to grow it, but once you do, I mean, if something pops up, you know, you get an illness, you come down with a terminal illness, you’re able to draw from that policy.
SPEAKER 11 :
So to me, it sounds like you’re putting all your eggs in one basket, which any financial advisor would advise against. Diversify. You have to diversify your whether it’s an assets, whether, you know, you have to have a little bit of liquidity, etc.
SPEAKER 10 :
But but I mean, I would like to say one thing, and it’s like, again, it’s biblical and it’s time and chance happens to every man. So sometimes the very one thing that you endeavor to do might just pan out. But I know I’ve been trying for a lot of different things, a lot of different approaches to generate wealth, everything from learning how to save and pay off debt to the tune of $200,000 we paid off one time to become debt-free, only to find myself back in another attempt at maximizing profit. And so that’s where I sit right now.
SPEAKER 11 :
Yeah, I would say you have to have a strategy. When you did that program, you willingly used the tools, like Brock was kind of telling, even though he was talking about it being money. But you were using a strategy that helped you, a strategy of tracking where your money is or going, that is.
SPEAKER 10 :
Which was only one of the steps, one of the baby steps that Dave Ramsey has, which was the second one, which is the debt snowball. That alone was a way to really eliminate a mass amount of debt in a short period of time, about two years.
SPEAKER 09 :
And listen, people call that 303-477-5600. This is good stuff because you guys are business owners. Me and you have a job, you know, but at the end of the day, I think… If you have a game plan, and what I’m understanding these business owners say, that if you have a game plan, you can reach your goal. If you don’t have a game plan, you’re just…
SPEAKER 11 :
Well, yeah, especially, you know, anytime you open up a business, they want you to have a business plan. For sure. Same thing happens with your finances, right? If you don’t have a plan, it’s a biblical concept when you think about it. It’s a vision. It’s a vision that you’re creating. According to the Bible, people without a vision are what?
SPEAKER 10 :
Yeah. They perish, right? My people perish for lack of knowledge.
SPEAKER 11 :
Yeah.
SPEAKER 10 :
And without vision, people perish, yes.
SPEAKER 09 :
And listen, people, we’re studying. Well, we’ve all got our book so far. We’re going to Think and Grow Rich. So if you’re listening to us, get the book with us. And if you want to read it, we’re going to be reading it and kind of talking about it. Join in and tell us what you’ve learned about it. Because we want to kind of start a community group about finances to help men. Because at the end of the day, men feel the pressure of the lack of money.
SPEAKER 11 :
So I got to ask you something, Brian, that led to a divorce. And I did go through a divorce. In fact, I lost a lot, you know, 17 acres in the mountains. Wow. Yeah, I lost pretty much everything. I mean, you get decimated. Nobody wins in a divorce. And even an attorney will tell you.
SPEAKER 10 :
The attorneys win.
SPEAKER 08 :
Whoa, whoa, whoa. Some of the women win. I’ve seen a few women win.
SPEAKER 11 :
Yeah, but you’re right.
SPEAKER 10 :
You’re right.
SPEAKER 11 :
Depending on the amount of wealth, you bet. But it depends on the woman, too. If it’s a woman that is out to make sure they’re taking care of their children… that’s a big difference if it’s a woman that’s out to destroy their husband or whatever and steal all their finances as best they can then you end up with a longer court case i mean brock you went through a divorce oh my goodness i i it’s a major setback yeah but but you know what we could spend all afternoon talking about that because yeah finances are so tied up into a divorce At that moment. At that moment. And it continues sometimes years in the past. But, you know, the biggest thing that I realized is you’ve got to take the small steps.
SPEAKER 09 :
Yes. Start now.
SPEAKER 11 :
Take the small steps.
SPEAKER 09 :
And my problem is I wasn’t money savvy, right? Like I didn’t study about money. I didn’t have a knowledge about money at all. Because money doesn’t have an age. You know what I’m saying? You can start learning about money at the age of 10. Your parents can start teaching you that. And it would be crucial for everyone who’s listening to us to every day take five minutes and learn something about money. It’s not going to hurt anything.
SPEAKER 10 :
Yeah, you got to level up the financial literacy. You can’t be illiterate about this, guys.
SPEAKER 11 :
Oh, this is good. I’m throwing kind of a plug to David Kiyosaki, you know, Rich Dad Poor Dad. Oh, that’s a legit book. He’s made a game, you know, similar. Instead of Monopoly, it’s very much realistic and, you know, how to teach finances through a game. Yeah. And, I mean, the brilliancy of it is that all the programs that he has, he’s generating wealth one way or another through his podcasts, his games, his books. Yeah. Et cetera. You know, I mean, he had he had enough wisdom to be able to look at, you know, the assets of gold, you know, assets of silver. I had I once had a financial planner tell me this, the most stupidest thing I’ve ever heard, which was, you know, when it came to investing in a 401 or whatever the case may be. The most stupidest thing she said is, well, what is gold really? And I just asked her, you tell me what gold is. She said a rock. As soon as I heard that, I was like, yeah, you’re about as dumb as a rock.
SPEAKER 09 :
Oh, yeah, you’ve got to drop that person instantly. You’ve got to be wise to who you listen to. If somebody doesn’t know the value that they’re holding in front of them, like if you got gold and you don’t see the value of it, what does the Bible say? You’re casting your pearls before swine or something like that? They’re just going to tread it underfoot. And we all know, like… At least if you’ve seen a hog before and you would know more than all of us because it’s on the farm. Oh, I’ve seen figures. Those dudes are walling around in the mud. Hey, were you talking about the book he mentioned?
SPEAKER 03 :
Which book? We will.
SPEAKER 09 :
Richest Man in Babylon.
SPEAKER 03 :
David Keyes.
SPEAKER 09 :
Oh, I have that book. Oh, you read the whole thing? And we’ll get back to this on the other side in the numbers 303-477-5600. Thank you. I can’t hide myself.
SPEAKER 06 :
I don’t expect you to understand me. I just hope I can explain what it’s like to be a man. It’s a lonely road.
SPEAKER 05 :
The views and opinions expressed on KLZ 560 are those of the speaker and do not necessarily reflect those of Crawford Broadcasting, the station, management, employees, associates or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
SPEAKER 01 :
Hello, my name is Arino, owner of Blueprint Electric, where we specialize in all that’s electrical, from residential service calls to ground-up commercial construction. You can reach us at 303-218-3555. Also, visit our website at bpedenver.com. Thank you for listening to A Guide’s Perspective here at KLZ 560.
SPEAKER 10 :
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Windshield, brand new, Clearview.
SPEAKER 10 :
Give us a call or text at 303-229-7442.
SPEAKER 11 :
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SPEAKER 02 :
Yes, this is Derwood Tate, pastor of the Upper Room United Pentecostal Church, here to invite you to be a part of our service this Sunday at 10 o’clock a.m. Our address is 1001 South Pearl Street in the Washington Park area. If you have any questions, you have a need for counseling or prayer, please give us a call as well, 720-532-4638. God bless everyone, and we look forward to seeing you this Sunday at 10 o’clock.
SPEAKER 09 :
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SPEAKER 04 :
Welcome to A Guy’s Perspective, where they discuss real life topics that men today are dealing with. Whether married, single parent, or just single, we invite you to call into this live program with your comments and questions. And here they are.
SPEAKER 09 :
How’s everybody doing this afternoon? It’s the second part of the Guy’s Perspective. Call at 303-477-5600.
SPEAKER 11 :
Getting back to the richest man in Babylon from Doug. I mean, one thing you have to do is surround yourself with someone that’s willing to share what they’ve done. And if you can find someone like that, because that’s kind of the premise of that, right? I forgot his name, but he basically is a scribe, essentially. Talking and telling, you know, hey, your friends, etc. This is how to accumulate the fat of the land, things like that. Right. So if you. So with that said, when you think about it, if you surround yourself around people that are financially illiterate, you’re probably going to end up with more. Just if not sinking to that same level, you’ll probably be in the same boat with them, right?
SPEAKER 10 :
Absolutely. You’re the sum of the five closest friends that you have? Yes. Is that what it is?
SPEAKER 09 :
And have you guys noticed that I’ve been sending you guys stuff every day, like once a day about wealth and money? Because at the end of the day, I believe what you guys are saying. If you don’t have a plan of how to get out of debt… It brings fear. It brings stress and anxiety. It brings worry and you lack, and you lack the power as a man to be able to see yourself succeed every morning.
SPEAKER 11 :
When you look in the mirror, you know what you said, I’m so curious how much it affects men’s health, you know, as far as heart attacks or strokes, things like the, you know, the consistent worrying because that, you know, cortisol that’s being just thrown in your system on a day in day out basis. You know, it attacks you, you know, but that’s the biggest part of financially being free or setting the steps to become financial free is like, you know, Dave Ramsey does teach, giving him a plug. You know, you got to have baby steps, right? The baby steps are not going to McDonald’s, drop that Starbucks, you know, all these simple little things that waste money, you know?
SPEAKER 10 :
Simple attainable goals, because when you have attainable goals, they keep you on track. It’s you, you, you feel accomplished and then you, and it’s all habit. Habit is what you said. It’s about to begin with. So it has to form a habit.
SPEAKER 11 :
Now check this out, you know, getting back to Starbucks real quick. You know, with Starbucks, I hated Starbucks. I never really – I finally did a one-year where I stopped drinking anything like sugars, coffees, et cetera. And, you know, I realized my bank account, my savings account was starting to fill up.
SPEAKER 09 :
Wow.
SPEAKER 11 :
Starbucks charges you how much? Six, ten bucks?
SPEAKER 09 :
Yeah, probably for a medium coffee is probably eight bucks, dude.
SPEAKER 11 :
Just for a coffee, right?
SPEAKER 09 :
Yeah.
SPEAKER 11 :
Just for a coffee and a snack, $12-ish. Jesus. On a daily basis.
SPEAKER 08 :
Yeah, but, I mean, going back to what he said, I mean, if we don’t get our impulses in order, I mean, it doesn’t matter what you do on paper because the more money you make, the more you’re going to spend. That’s right. Just think about, you know, the… I’m thinking about some of the football players that made millions and millions of dollars, and they’re going out and buying, you know, $20 million homes. And before you know it, they’re broke. Yeah.
SPEAKER 11 :
Well, and also because they start giving to the family, the friends. They feel like they’re owed, you know, those buy. But, you know, unfortunately, you know, some people call it selfishness or being stingy. You know, there’s a right time to give, right, when you have that wealth. But at that time, sometimes you have to be a little stingy with your money.
SPEAKER 10 :
What is it? Money maketh itself wings and flies away, right? That’s Bible. So then what do you need to do? You need to build a cage.
SPEAKER 09 :
Oh, that’s good. You need to build a cage.
SPEAKER 10 :
That’s good. Keep that bird in. No, that’s really good.
SPEAKER 09 :
That’s really, really good. Dude, that totally makes me think of minors, old school minors. They used to send like birds down into there. Yeah, because if it was poisonous gas, it would kill those birds first. You’re right. You got to put a cage around that bird or that bird’s free, buddy.
SPEAKER 11 :
And that kind of pertains to, you know, the richest man, you know, guard your treasures from loss.
SPEAKER 09 :
Wow, that brings up the next point. That’s funny. It just came to my mind. All three of you guys were talking. If you have money, do you have to help family members? Do you have to? It’s hard not to. Let’s talk about this because you guys brought it up.
SPEAKER 10 :
I’ll tell you one of the things that I’ve experienced is stewardship is one of those things that you need to get a handle on. And that means, like Dave Ramsey says something like this. He said, even their giving and their philanthropy has boundaries. They draw a line around it. They say, I’m going to give this much and no more. Now, there’s some wiggle room, but if you don’t tell your money what to do, then it’s going to do what it wants. Oh, my God.
SPEAKER 08 :
Hey, bro, I mean, I’m under the umbrella of give and it shall be given. Whatever measure you meet will be measured back to you. That’s Bible. Thank you, Lord. But what type of giving are you doing, though?
SPEAKER 11 :
What type of giving are you doing?
SPEAKER 08 :
You know what I’m saying. Just wouldn’t anybody who asks for help?
SPEAKER 11 :
No, no, I don’t know what you’re saying. Like, clarify that statement. Because I think people make a mistake when there’s a certain amount of giving that we do, but if we’re putting ourselves into a place where we’re not even able to give any longer, then what good is the giving? The giving’s done. I mean, 10%.
SPEAKER 09 :
This is good, guys. This is good debate.
SPEAKER 11 :
10% is all that the Lord had asked.
SPEAKER 08 :
of us right even in the book it tells you to pay yourself 10 first hold on guys let him finish his statement first and then we’ll go around the room keep going well i mean i’m just anybody who asks for help he’s making a good point you can only give to a certain extent before you know it’s taken away from you but then both of you are on the same boat i mean i have
SPEAKER 10 :
I have this one example, and it’s back to the casting pearls before swine. And I had this one homie who asked me for fuel money a couple times. And then one time he was like, hey, man, I got a boot on my car.
SPEAKER 03 :
It’s going to take $500.
SPEAKER 10 :
to get it off and I said no and I said I didn’t just say no I said no even though I have the money but I won’t and it was for a purpose because I had to stop the harm that was being caused by bailing him out all the time And that was only a couple of times, man.
SPEAKER 11 :
Because I have it, right?
SPEAKER 10 :
And so you can’t become the doormat. You can’t become the ATM for somebody who is unwilling to change. You have to help to elicit change.
SPEAKER 08 :
But you’ve got to know what situation they’re in also. Like, I mean, if I know you’re going to go spend it on booze, weed, drugs, well, then, of course, you’re not getting my money. But if I know that you put forth an effort, what of the person that’s if I know you’re going to work and you’re trying and you’re doing this and then you need to help, you know, I’ll help you once so forth.
SPEAKER 10 :
Right, but then you start judging the morality of what debt they’re paying or not paying. But if they have a bad relationship with money and you bail them out on their rent again and again and again and again, you’re only enabling.
SPEAKER 09 :
Only once would I know.
SPEAKER 11 :
Okay, now check this out. Hold on, guys.
SPEAKER 09 :
Let me give the number. 303-477-5600. This is really good. Yeah.
SPEAKER 11 :
I have a friend who’s a firefighter. Well, we were friends. And, you know, he’s sitting pretty well. And I remember him coming to me and wanted to borrow some money, and I did lend him some money. And this is one thing, is if you’re going to lend that money, sometimes it’s… There’s a point where you got to say, okay, it’s now a gift. Because the craziest thing is this firefighter could not pay me back. But he had a new phone. He had a new laptop. He started coming to our meetings, our church meetings, with all this new stuff. And he’d fly his new watch. And I was like, well, what about that money? Is there any intent of paying it? And sometimes, unfortunately, that’s a lesson learned on my part where I gave with someone that seemed like they were desperate. But, man, I agree with you, Brian. You have to know the intent. You know, what’s this for? What’s it going to be used for? Like you said, Heath, about the boot, right?
SPEAKER 10 :
That’s the funny thing, man. There’s many ways to riches. And sometimes it can be like scheming and plotting and conniving and borrowing money from you and seven other people and not paying back. Like Ponzi scheme in it, man. People can make wealth that way, but I don’t think they sleep well.
SPEAKER 09 :
Guys, because money in and of itself has a voice. If you owe somebody some money, they come in to collect. I had this guy one time. I was in the middle of getting my CDL, and as I was getting my CDL, For whatever reason, he walked up to me and he’s like, hey, here’s $20. While you’re out, this guy I was working with who was training me how to drive to get to CDL, he’s like, here’s $20. Go buy whatever you want for lunch. Well, I didn’t know. I thought he was just giving it to me. I had no idea. So two weeks later, I come by. The check comes in. He gets deposited in my account. He walks up to me and he’s like, hey, man, I want my $20. And I was like, I owe you $20? he’s like yeah dude he’s like the 20 i gave you wasn’t free i was like well you handed it to me i thought it was free so at that point i realized money has a voice and that voice speaks loud buddy yeah real loud if you’re in debt the debt collectors okay i i got a question to the people out there and to ourselves here um how do you feel when you owe somebody Oh, and you have no way to pay them back? Oh, it’s heavy.
SPEAKER 10 :
Whether you have a way of paying them back or not, man, mine is like a handshake. I can’t shake the feeling that I owe. If I owe Brian $100, I think about it every time.
SPEAKER 08 :
Oh, every day. Every day.
SPEAKER 10 :
Every single day, whether I see him or not, I think about it.
SPEAKER 08 :
But isn’t that the first? Uh-huh. first thing when you borrow money to somebody in your mind is you’re not getting the money back why would you expect it back no in the first place not always because most of the time people don’t pay each other back
SPEAKER 11 :
I have not run into that except for that one time. That was a good lesson for me. $700 down the drain, you know, for a guy that can clearly afford a new Dell computer and such. Look, I even know what type of phone he had, what type of computer he had.
SPEAKER 03 :
I know the type of watch.
SPEAKER 09 :
Of course he’d start noticing the shoes, the haircut. I’m telling you. That’s my first law.
SPEAKER 08 :
When I let somebody borrow money, I’m like, man, if they’re in need to ask me to borrow money, how am I going to expect them to pay it back?
SPEAKER 10 :
But see, there’s where you begin to draw those boundaries. Now, if you give, you give freely. You give and you tell them it’s a gift so that they don’t have that guilty conscience of having to pay you back.
SPEAKER 01 :
Or…
SPEAKER 10 :
If it is either a loan for a rate or just to be given to them until they could pay you back, then you have to hold them accountable. And in fact, you have an obligation if you want to be a good steward to hold them accountable.
SPEAKER 11 :
Yeah, and I agree with the first statement as well. That ended up being the case because with this firefighter friend, I basically had – it was ruining our friendship.
SPEAKER 03 :
Yes.
SPEAKER 11 :
And it was a long-term thing. I’m still a little perturbed about it, but I finally had to do what Jesus said, which is I finally gifted to him. I said, look, don’t worry about paying it back, but – You know, I mean, it’s hard to do this.
SPEAKER 09 :
You turn around and you turn around and loan your friend. Let’s say you turn around and loan somebody one hundred thousand dollars. All of a sudden what they use that money for goes bellied up. Do you as a Christian or a believer have the right to sue that person? If you go to church with them or in general?
SPEAKER 11 :
I think you have to weigh that out, you know, weigh it out and really pray about it and talk to your spiritual leader. And, you know, but I don’t see why not.
SPEAKER 03 :
Yeah.
SPEAKER 11 :
But, Brooke, you know someone. I mean, we had a pastor friend. Oh, man. You know, he got a bad reputation. You know, we did some stuff for him. And other trades were doing things for him. And this guy wanted to build a church, but I’ll tell you what, he would try to nickel and dime me on everything. And then he would try to essentially, you know, try to get you out of paying a full bill. The unfortunate part about that is, you know, this is a guy who was trying to be a man of God. It weighs heavily to where, you know, do I want to file a lien against him? I had every right to, and so did every other trade. The other trades did. I chose not to.
SPEAKER 09 :
I had a buddy who I wrote him a check. This isn’t saying that we’re even talking about this. And call it 303-477-5600. I had a buddy, and I’m not going to say his name on air. You guys would know him if I said it. I owed this guy $400. I wrote him a check when I was 26. He held on to that check until I was 39, and I finally paid him. And he came to me and said, you know, I don’t appreciate you making me wait this long. I’ve held this for all these years. Nine years? He held on to it the whole time in his wallet. It was faded. He hands it to me. He ripped it up. Well, I ripped it up. I gave him the $400, and he was like, I just want you to know we’re friends, but what you did to me was really wrong. And I learned a valuable lesson at that point. That’s crazy. Yeah, because some people, no matter, money has a voice, guys.
SPEAKER 11 :
So getting back to what are your guys’ thoughts on suing?
SPEAKER 09 :
If you owe me, I’m telling you, if we go into a business transaction, a business deal, and you owe me a half a million dollars, and you file bankruptcy on that, and I cannot get that money back, we are no longer friends.
SPEAKER 11 :
Well, that’s fine.
SPEAKER 09 :
Hey, man, at the end of the day, call me a hypocrite, call me a dog, call me whatever you want. But at the end of the day, that’s a low blow to do to somebody, dude, especially because they could have used that to better their life.
SPEAKER 10 :
Well, and see, that’s why it’s imperative, I think, that one becomes financially literate and understands money because then once you get your money under control and you get your money up, then you can be wise with the decisions that you make. And if you give something to somebody… you won’t require it back if they don’t pay it back.
SPEAKER 09 :
Yeah, but how bold of a statement is it to go to somebody and ask for $100,000? That’s pretty bold, dude.
SPEAKER 11 :
Well, it is, but I would never lend anybody that money unless they had a plan.
SPEAKER 09 :
No, neither would I, unless I knew we were like the closest of closest.
SPEAKER 11 :
No, I mean, lenders do that. You know, investors do that at a time, but they want a business plan. They want to be able to know like, okay, what’s going to be the outcome of the money? You know, should this business, you know, tank what ends up happening? How am I going to recoup the investment? everything deals on like you said communicating if you’re not going to communicate while you’re loaning that money or while you’re borrowing that money because guess what if you’re borrowing money and you miss a payment guess who’s calling you yeah right it all depends on the communication so that depends you know for that type of person yeah there’s they can be you know a reaction of you know filing bankruptcy but at the end of the day it really has hurt you but it also has hurt them as well
SPEAKER 09 :
10 years at least. Yeah, but I mean, think about that. So weigh the cost.
SPEAKER 11 :
You’ve got to weigh the cost of what you’re going to do with your finances.
SPEAKER 09 :
You do. And up top of that, you’re 100% right because you have to weigh what does that friendship or that relationship mean to you? Because if you hand somebody a half a million dollars on your handshake and they renege on that deal because they can’t afford it, are you just washing your hands of that? I guess what you’re saying is what you have to weigh into factor.
SPEAKER 11 :
Yeah, and that comes to the very first part is, you know, in the book of Babylon, but the richest man, you know, basically you have to weigh those factors in. Even when you’re, you know, creating wealth, generating wealth or trying to make wealth, you know, work for you is you have to have a strategy. And you have to include that in that because even in a business plan, they ask you, well, how will this business end, right? Right, Heath? It tells you, right?
SPEAKER 03 :
Yeah, absolutely.
SPEAKER 11 :
Will it end? Will you be transferring it to your children, your children’s children? Right. Or will you close it or will you sell it, right? They want to know. There’s plenty of those.
SPEAKER 10 :
Yeah. And they have all kinds of contingencies tied up in the legalese of the contract. It’s usually… hey, if you completely fold, then they take over the property or whatever it is that was loaned, the money was loaned for. But certainly it always comes with an interest rate. And the interest rate is based on the risk that is assessed.
SPEAKER 09 :
Because, guys, how many friendships have been ended over money?
SPEAKER 10 :
Oh, yeah.
SPEAKER 09 :
You know what I’m saying? Let’s be real. There’s probably been millions of friendships ended over just $200. Yeah.
SPEAKER 11 :
But, I mean, just kind of moving on. I mean, just because of your friendships. What else do you got there, Brock?
SPEAKER 09 :
So, if you want to get out of debt, you have to believe you can be out of debt. It all starts in your mind. If you tell yourself daily you speak negative over yourself, I’m worthless. I can’t have a better career. I can’t start a business. I can’t succeed. Guess what? You will never succeed.
SPEAKER 11 :
Exactly. Because there’s a person that can. And the person that cannot, guess what? Both of them are right. Have you ever heard that statement? Yeah.
SPEAKER 10 :
Whether you can or whether you can’t, you’re right.
SPEAKER 08 :
Because the battleground’s in your mind. Yeah, I mean, now that you bring up the mind, remember that minister that talked about the… The people that had the surgery, the leg surgery, they had 100 people. 50 did knee surgery and 50 didn’t do knee surgery and faked it like they did. And when they were all out of surgery, they all thought they were healed. So why do you guys, let me ask you this. Mind over matter.
SPEAKER 09 :
Why do you think the battleground is in your mind? Why is that the first starting spot?
SPEAKER 11 :
Well, I mean, everything comes out of, you know, it’s like logos. It’s like the word of God, right? You know, everything that we speak out, you know, we have the ability to create. Even the Bible says that, right? Or to destroy.
SPEAKER 09 :
Okay. Then let me ask you guys all this. With the last 10 minutes of our show, call at 303-477-5600. How many times this week have you spoken positive over your life? And how many times have you spoken negative? Let’s go around the room.
SPEAKER 11 :
I’m going to say quite often I spoke positive no matter what the situation is. You still always got to be, you know, of that mindset that, you know, one is God is good all the time regardless of what you’re going through. And then two is, you know, even if they’re what seems to be in a way, that’s not true. There’s someone that’s worse off than you. You can make it happen. It just causes you to, if anything, become determined and disciplined to do something to make a positive change, whether it’s in your money, financial issues, even in a crisis situation, right?
SPEAKER 09 :
Guys, this week I’ve spoken more negative than I have positive because I’ve spoken negative over a particular person. I’m not saying their name on air, but Jesus, dude, like I have found myself speaking so negative over this dude. And that guy has power over you right now. You do know that.
SPEAKER 10 :
And your normal predisposition. And I’m so positive, dude. That’s what I’m saying. You’re predisposed to be very happy and jovial and smile and laugh and all that kind of stuff. So this really gets you down.
SPEAKER 09 :
Oh, yeah. So you guys know I’ve spoken more negative this week than I have positive.
SPEAKER 08 :
Yeah. I mean, going back to what Dre said, I mean, there’s always somebody in a worse situation than you are. I mean, you’ve got to think. Unfortunately, right? Yeah, unfortunately. I mean, I work for a mental health institution, and people come in all the time, and it’s like, man, I think I have it bad. Every day I’m reminded somebody has it way more worse than you. Be glad with what you got. Be content with whatever situation you are. And may the Lord bless us all.
SPEAKER 10 :
So me, myself, concerning mindset, I used to be very, what was it, jovial, happy, upbeat, positive, optimistic. uh you have been a downer lately you are man you yes he has been check this out though and it used to be the ignorance you’re not going to bring me down now are you right now it’s not contagious but it used to be it used to be the ignorance is bliss right you don’t know and then and then like with solomon like with much knowledge and it becomes much sorrow right so then when you start experiencing different things in life Um, uh, for, for whatever reason about like, ah, five, six, seven years ago, I took a turn for the pessimism. Um, kind of like, and I like this movie. Um, not everybody’s seen it. It’s what dreams may come with Robin Williams. And so what happened with his wife is she committed to give the movie away here. Spoilers. His wife committed suicide and then he like basically went to hell to get her out. But he like he lowered himself in that position to be able to like absorb whatever that was. And then she had to ultimately pull him up and out there. Uh, so anyway, I guess my reasoning for that was I wanted to see what it was like on the other side, guys. I want to see what it was like on the dark side of the moon or on the, on the, uh, what did you find out? What did you take from hell, man? Really? It’s no good to be pessimistic and, and, and, and yeah.
SPEAKER 11 :
Isn’t it a very selfish – I mean, not to down you, but isn’t it really a selfish intent to be pessimistic like that and lose me?
SPEAKER 10 :
Yeah, yeah. And I’ve been that way for years now, man, and I never used to be that way.
SPEAKER 09 :
Because, guys, when I turned around, I mean, I was so bad to where I was like, guys, do a three-day fast with me about a situation like – Dude, when you’re speaking negative, it’s heavy on you. It is. It’s a curse. I can’t explain it.
SPEAKER 11 :
I believe 100%. It’s a curse. Because it’s so heavy on your mind, man. We’re not blessing any longer. We’re cursed. I’ll tell you what. I wish we had way more time.
SPEAKER 09 :
Yeah, go on. 303-477-5600. This is good. No, no, no. You guys are 100% right. Because when you’re speaking negative, you cannot… See the blessings in front of you and the financial gains when all you’re doing is speaking negative.
SPEAKER 10 :
Check it out. Here’s here’s the trip about it, because obviously it’s like, you know, energies and like high and low energy and everything like that. But what I found is. In order to get through something, I would have to rise to the fight like I would do it in spite of people as opposed to for the joy of doing the thing.
SPEAKER 08 :
Yeah, I mean, now that we’re talking about it, I mean, just in life itself, right, being alive. You know, I work with, what, 200 people? Let’s see, what, 200 people a day? And it’s like, oh, you know, on a Monday, how’s it going? Oh, it’s Monday. Well, shouldn’t you be? You should be so excited. You’re alive on Monday. That’s good. But they’re not. They’re down and out. You know, they’re always down, and I’m like, I just don’t understand. How are you not excited?
SPEAKER 09 :
Okay, so since we’re here, and I don’t know how we came down this road, what would you say to some man who’s listening right now who’s just absolutely depressed?
SPEAKER 08 :
What are you going to tell him? Times always change. You won’t be in the same situation you are now. That’s pretty good advice. Unless you stay still and don’t do anything about it. You can’t sit on your couch for six months and expect something to change if you’re not going to be willing to do something about it yourself.
SPEAKER 10 :
Heath? I would say while driving forces like— Somebody’s listening to you right now, so you lift them up. I would say while driving forces like hate and fear and, you know— God, this is helping me, dude. Like feeling into your center, being your individual. I would say that that’s a way of obtaining, but then there’s a joyful way, a happy way, a blessed way, which is like more of the optimism. So I don’t know. I think there’s a greater way to attain things, and it’s through love.
SPEAKER 11 :
Yeah. A year ago, I buried my son, my 17-year-old, and he passed away a year ago yesterday. And it did a lot. It took a lot out of me. It took just so much. Even my heart started to fail because of it. But the one thing I took out of it was that at the end of the day, he’s not suffering any longer anymore. And, you know, that’s that’s the thing is I don’t want to hurt and we shouldn’t be of the opinion to try to hurt people. I think hurt people can hurt people. But what does it accomplish? Nothing at all. So, you know, in this lifetime that I have, you know, I’m going to look at every positive, every blessing, every whatever the case, all the curses can go to hell.
SPEAKER 10 :
What about what about healed people heal people?
SPEAKER 09 :
Yeah. Guys, out of every show we’ve had, I think this was the deepest for me, man. What you guys just said. I wish we had more time. That is legit, dude. There’s somebody out there listening that you men are talking to men and probably talked them off the ledge of something crazy, dude. Because… Being positive works, dude.
SPEAKER 08 :
And I’ve been real negative lately. Yeah, I got one more thing that I would like to say. I mean, I’ve seen so many people that had, you know, something happen in their life that tried to destroy them. You know, that they no longer want to go to church or they no longer want to go do this because something happened in their life that was, you know… Just keep showing up? Yeah. No, I think that turn it around. Use whatever pain you have, you know, to help you go forward.
SPEAKER 09 :
You guys gave good advice. That’s good. You guys gave good advice. And we’ll… God, maybe we’ll continue this subject on… Next week, we’ll just decide. Yeah, we’re reading a book. And everybody, Think and Grow Rich. If you can get that book, get it. And I agree with Doug here, too. And join in with us.
SPEAKER 11 :
Yeah, the other book. Richest Man in Babylon.
SPEAKER 06 :
Yeah.
SPEAKER 09 :
Y’all have a good afternoon.
SPEAKER 06 :
I can’t hide myself I don’t expect you to understand I just hope I can explain What it’s like to be a man
SPEAKER 05 :
The views and opinions expressed on KLZ 560 are those of the speaker and do not necessarily reflect those of Crawford Broadcasting, the station, management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
