This is a message from Elder Robert D. Hales on avoid debt, discern between needs and wants, and live close to God to be provident providers both spiritually and temporally.
http://www.lds.org/ldsorg/v/index.jsp? autoplay=true&index=1&locale=0&sourceId=db627cdfa5e67210VgnVCM100000176f620a____&vgnextoid=bd163ca6e9aa3210VgnVCM1000003a94610aRCRD
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