Inside The Business Of Religion And The Truth They Don’t Want You To Know | Nathan Apffel
Wealthy Way
Ryan Pineda
4.9 • 2.2K Ratings
🗓️ 21 February 2026
⏱️ 112 minutes
🧾️ Download transcript
Summary
Ryan Pineda and Brian Davila host Nathan Apffel in a heated debate over mega churches, pastor salaries, tithing, legal loopholes, transparency, corruption allegations, and whether institutional Christianity needs structural reform or defense.
Connect with Nathan -
https://www.instagram.com/religionbusiness/?hl=en
www.youtube.com/@thereligionbusiness
https://www.instagram.com/nathan_apffel/?hl=en
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CHAPTERS:
00:00 - Introducing Nathan Apffel & The Mega Church Debate.
12:48 - Donor Accountability & Who Church Boards Really Protect.
22:35 - The “Broken System” Argument Explained.
31:10 - Are Mega Churches Actually Bearing Fruit?
40:27 - The Holy Spirit vs The Institutional Church.
52:14 - Church Legal Loopholes Exposed.
1:09:26 - Is the Mega Church Model Bearing Fruit?
1:22:30 - Reforming the Legal Architecture of the Church
1:28:28 - Is Tithing Still Required Today?
1:45:46 - Murder, Money & Church Corruption Allegations
1:49:13 - Mega Churches vs Small Churches: Who’s Doing the Real Work?
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About Ryan Pineda:
Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue.
Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.
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Transcript
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| 0:00.0 | Today we're going to talk about the church as an institution on whether or not the way that it's currently being run is biblical, how they manage money. And today I've got Nate Apfel from religion business diving into this topic. What's up, man? What's up, brother? Thanks for having me. Yeah, thanks for stopping in. We got our co-host, Brian DeVilla. This dude, if you haven't seen his other YouTube channel, he's gone to like every church you can imagine. |
| 0:37.8 | You've been to the Orthodox Church. You've been to the Catholic Church, non-Dan. I think about it later. You've been to everything. Yeah. So, and you've been to everything. I watched your documentary. You visited a lot of these mega churches and trying to see what's going on. Yeah, I've been to a couple for sure. Yeah. And season two is going to be even crazier. |
| 0:38.6 | We go to the Middle East. |
| 0:39.2 | Oh. I want to talk to you about's going on. Yeah, I've been to a couple for sure. Yeah. And season two is going to be even crazier. We go to the Middle East. So I want to talk to you about Turkey after this. |
| 0:41.8 | Okay. Because we're going to go to that. Oh, you know, the Orthodox Church. Oh, really? Yeah, the Great Schism fascinates me. Oh, really? So, yeah, think you're becoming Orthodox? Knox? No. Okay. I just want to know. I love history. This is actually my first question after |
| 0:55.8 | watching your documentary was, are you, would No. Okay. I just want to know. I love history. |
| 0:59.7 | This is actually my first question after watching your documentary was, are you, would you consider yourself Christian? |
| 1:04.4 | Because it didn't like, in the video, in the documentary, it was never really discussed. |
| 1:18.5 | I consider myself a Christ follower for sure, through and through. Like, I believe Christ is the way the truth in life when no one gets the father except through him but like my faith journey has been one of wrestling since i was a kid that's what i i saw in the the documentary like why not just call yourself a christian because words |
| 1:24.7 | have meaning and the term christian is a very clouded term. |
| 1:29.4 | And so if I say, I'm a follower of Christ, you know, I can speak very clearly to that. |
| 1:34.7 | And I follow Christ and his teachings out of the Bible and what he lived for and what he proposed. |
| 1:42.4 | Now, when you say that, does it mean only things he said what about acts and |
| 1:47.2 | oh no yeah for sure so everything in the bible the bible's inspired 100% you know and i like one of my |
| 1:51.9 | brothers is is an amazing theologian and he and i debate nuance all the time okay because there are |
| 1:57.2 | people who are like i only listen to what the red letters in the bible no no i no, no, I'm like I'm obsessed right now with Isaiah and Jeremiah. You know, I love the Bible and all. It's a beautiful. It's the book of humanity. Yeah. Okay. So that kind of sets the stage. And we prayed right before this, too, which was great. So you divide a lot of people in the Christian world, right? Because on one hand, |
| 2:19.9 | you've got, I would call them more people who don't like the church, but call themselves |
| 2:25.2 | Christians, and they don't like how big they get. They don't like the show of it and all these |
| 2:30.0 | things. And there's good reasons for that. Then you've got people who don't like you because |
| 2:34.0 | maybe you're ignoring a lot of the good things the churches are doing and focusing on the negative |
| 2:39.8 | things. So for those who've never watched the documentary or seen your content, like what is your |
| 2:45.3 | position? Like what are you trying to fight for or against? I would say in a nutshell, |
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