Hey everybody, it's Andy, welcome back to the North Point Community Church podcast.

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Chances are, at some point along the way, you have heard it said that there are

two kinds of people in the world, right? In fact, you've heard this so many times,

that's the only part of it that you remember, right? You can't even remember what comes after this.

Now, this is what originally attributed to Mark Twain. I assume he's the first person

who popularized here, two kinds of people in the world. And whatever follows this is generally

some sort of oversimplification, but that's okay because simple things are sticky things and

sometimes it's better to oversimplify something to remember it than to make it complicated and,

you know, tease it all out, but you can't remember anything that was said. So, I'll give you an

example. When I was 30 years old, I had a friend named Alcane. Alcane was a real estate developer

several years older than me. And every once in a while he would take me out to lunch and give me

advice, which I was wide open to because he was very wise guy. So, one day, we're sitting at lunch,

and anytime he was going to give me advice that started like this, he'd say, buddy, buddy had this

kind of a buddy, and that sounds started. Buddy, there are two kinds of people in the world.

There are those who make interest, and there are those who pay interest. Now, that's a little

bit of an oversimplification, but it's kind of challenging. And then he looked at me across the

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