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What Would You Do For Free?

“No, my son, do not aspire for wealth and labor only to be rich. Strive instead for happiness, to be loved and to love, and most important to acquire peace of mind and serenity.” – Og Mandino

At the start of my transition following a 25-year tenure in the world of advertising and publishing, I spent a lot of time trying to determine what my next career would look like. Finding my next big opportunity became my mission, the only thing that mattered.

I became obsessed with this mission. What company would I work for? What position would I have? What would my salary and benefits look like? All I cared about was finding the biggest title and compensation package I could get my hands on.

And my approach was all wrong. At first, anyway.

That was back in my old Keeping Up with the Joneses days. After running into one wall after another, I began seeking counsel from those friends, colleagues, and family members I trusted most. One of them asked me a paradigm shifting question that I’ll never forget. He asked: “What would you do for free if money were not an issue? Find that and go do it.”

Wow! This friend really challenged me to stop looking for my next job and start looking for my calling … that thing I was made to do. Friend and mentor Bob Shank, founder of The Master’s Program, would say it like this: “it’s the difference between what you’re paid to do and what you’re made to do.”

This thinking revolutionized my way of thinking, particularly about my career approach. Rather than starting with questions related to how much I wanted to make, I started with goals related to what I wanted most from life. I remained focused on ensuring my career supported rather than competed with these goals. To give you a peak under the hood, here are some of the top goals that made my list:

  • Become a better husband and father
  • Learn what “abiding in Christ” means and move towards that
  • Live a life of generosity and service
  • Seek joy, impact, and balance

These and other goals now keep me focused and serve as a filter for all decisions I make. Without these at the forefront, it would be too easy to slip back into my old pattern of life choosing me rather than me choosing life. And I don’t intend to ever go back.

So, let me ask you these questions. What top goals have you set to guide your life, family, ministry, and career? Are they serving as true filters for all that you do? Do others know about your goals and help hold you accountable to them?

Setting and living by effective goals is not something that happens overnight. It’s hard work. Contact me if you want some pointers.

Blessings on your continuing journey,

Bob Karcher

Author | Speaker | Coach

Because It Really Does Matter

“Every instant of life matters. Humility is knowing so. Passion is feeling so. Wisdom is living so.” – Unknown

This past week has been disturbing as we were all shocked by the shooting rampage in Las Vegas, the largest mass shooting in our country’s history. We remain dumbfounded on exactly how to process the reality that these types of events are escalating in America, a land blessed with so much.

In our last blog post titled How to Do What Matters we asked a question that we now ask again: “Is life choosing you or are you choosing life?”

We have been reminded in dramatic fashion that living life fully every day matters, it really matters!

In the past two weeks, we received word that three, yes three, of our family / friends passed away. And you want to know the really unsettling part? All three were between 53 and 60 years old. That is way too soon for anyone to lose their life.

Of course we had no idea when we wrote that blog post that we would be sitting through three memorial services in such a short time or be faced with the Las Vegas massacre. A certain passage from the Bible (James 4: 13-15 MSG) speaks to the brevity of life and has been ringing in our ears all week. It reads:

13 Now listen, you who say, “Today or tomorrow we will go to this or that city, spend a year there, carry on business and make money.” 14 Why, you do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. 15 Instead, you ought to say, “If it is the Lord’s will, we will live and do this or that.”

Greg Murtha, former president of Halftime Institute, personally lived and learned the meaning of this Bible passage. In a past blog post, we wrote about Greg’s struggle with cancer. After multiple surgeries, 75 rounds of chemo, and two heart attacks, cancer took Greg’s life this past June. He was 52.

Before passing, Greg was able to share his thoughts on life and what he learned through his struggle in his book, Out of the Blue. This book, which we highly recommend, published a few weeks after Greg’s passing.

We don’t mean for this blog post to be all negative, but we do hope to shatter the perception that our days in the distant and immediate future are guaranteed. The events above should, if nothing else, prove this. None of us are promised tomorrow but we often live as though we are.

If you knew your life was coming to a close, what would you do differently? What would you do more of … less of? How would spend your time, your love, your money? Who would you spend time with? What would you tell them? What impact on the world and personal legacy would you work towards?

Go ahead, take some time (soon) to seriously ponder these questions. And then start living like you aren’t promised tomorrow … because none of us are.

Drop us a note and share how you are going to live differently starting today than you were yesterday. Then, go make a difference.

Blessings on your continuing journey,

Bob and Susan Karcher

Authors | Speakers | Coaches

How to Do What Matters

“Being the richest man in the cemetery doesn’t matter to me. Going to bed at night saying we’ve done something wonderful, that’s what matters to me.” – Steve Jobs

I don’t know about you but a quote talking about “what matters” gets me thinking. Steve Jobs’ comment is one of those. How do we know what matters … and what matters most? Is it the same for me and for you? How do we know? I mean, heck, if I’m going to think about doing what matters, I want to do what matters most! Don’t you?

I have to admit that I have been through seasons where I was just going through the motions rather than living life like it was the one life I was created for. Going through the motions can sneak up on you. Even now, if I’m not careful, my days can quickly fill up with so much useless “activity” that, at the end of the day, I feel like I ran a marathon but on a treadmill; I put in all the work without getting anywhere.

“Is life choosing you or are you choosing life?”

Have you ever had days like that? Be honest with yourself. Is life choosing you or are you choosing life? What I mean is has your frenzied life taken over your daily schedule or are you dictating how you spend your days?

Don’t get me wrong, not all of our daily activities fit nicely into that “what matters most” box (think laundry, dishes, oil changes, and the like). There will always be chores but we can become so busy “doing” that we forget the joy in simply “being.”

“But I’m so busy”, you say. I know. Most of us are. So start with today. What’s on your calendar today that matters? Anything? If not, you can replace it with something important you’ve been wanting to do for a long time. Consider visiting your parents, getting some quiet time in, calling that friend in need, or writing that thank you note. I bet you have a long list of things that really matter that you’ve been wanting to get to.

Starting today is the best way to start. But I hope you don’t stop there. I hope one of the things you take time for is exploring your ambitions, dreams, passions, and God-given life purpose. Take a longer view of your life course. Is all of today’s “activity” making life better for you, your career, your family, your community, the world?

Think differently about how you do life each day. What if you evaluated each activity and challenged just how important it is versus many of the other things you could be doing? You have the ability to ask God what it is He made you for, dream how to make that happen, and begin leading a life in such a way that you can go to bed each night and say I’ve “done something wonderful.”

Why not start today? And, tomorrow, drop me a note letting me know what you took off your calendar and what you replaced it with that really matters. Then, enjoy your day more than you planned to.


Blessings on your continuing journey,

Bob Karcher

Authors | Speakers | Coaches



Designer Living – Part 2

“What we possess no longer defines our lives.”

In our last post we introduced you to Charles and Leann. Remember how they found themselves in a new neighborhood and lured into a “Keeping up with the Joneses” lifestyle? If you missed that article you can catch up here.

Here we now share the rest of their story. Read along and learn how Charles and Leann struggled through their newfound lifestyle, made some tough decisions, and rediscovered their true selves. We think you will find their story fascinating. You can read this story as well as others in our award-winning and bestselling book Who Are the Joneses Anyway?


Charles and Leann weren’t earning enough to keep up with the lifestyles of their new neighbors, but that didn’t keep them from feeling like they needed to. Over time, the pressure grew. It eventually drove Charles to gambling as a way to make extra money and help him feel he was equal to his new friends, most of whose wives didn’t have to work to make ends meet like Leann had to.

“It’s probably a confidence flaw—like I wasn’t good enough—that drove me to take desperate measures,” Charles told us. “Actually, I donated a lot of money, but now I can see my intentions were misplaced even there. I was donating the money to make me feel good, like a big shot.”

Gambling to make extra money turned into an addiction. Charles found himself staying up all night, then going to work and running on fumes, becoming an absent husband and father at home. Then, just as quickly as he had won, Charles began to lose. He tried to catch up, placing his bets on credit cards. “Let’s just say I had become addicted, out of necessity to sustain this new lifestyle we felt expected to maintain,” Charles said.

Then one day Leann found the credit card statements and was astonished. “At this rate, we are going to end up homeless!” she remembered saying.

“Just the way she said that stopped me dead in my tracks,” Charles recalled. The peer pressure drove them to spend more than they earned and him to gambling. They felt crushed. Keeping up with the Joneses in their town had broken them, financially and otherwise.

After realizing how deep they were in debt, Leann remembered “breaking down in tears—more than once.” They knew they had to look deep within themselves, make some changes, and begin the long process of digging out of their self-created mess.

It was a long road, but eventually they made it. The key was deciding who they were and what was most important to them. From that starting point, Leann and Charles began moving forward confidently, living within their means, and making better daily decisions between needs and wants.

“We bought used furniture,” Leann shared. “I want people to feel welcome when they come into our home. I want it to look beautiful, but having our guests feel loved, blessed, and hugged is most important. The furniture, new or old, will never add a single thing to that.”

“What we possess no longer defines our lives,” Charles offered, to which Leann added, “And the rat race isn’t either.” They admit they are still learning each day. Refocusing and sticking to their priorities has resulted in less stress and more joy as they move forward.


Can you relate to Leann and Charles’ experiences? We love how they fought back from the brink of disaster and now willingly share their story with others.

What emotions does this story stir in you? Have you ever been through a similar experience? Respond here. We’d love to hear from you.

Thank you for reading along. We are honored that you have done so.


Blessings on your continuing journey,

Bob and Susan Karcher

Authors | Speakers | Coaches

Designer Living

“And the craziest part: They all thought it was normal.”

As we shared our Who Are the Joneses Anyway? story with others, it became more and more apparent that we were not alone in experiencing some of the things we went through in our old “Keeping up with the Joneses” lifestyle. Not even close! So we began interviewing some of these folks and taking notes along the way.

Leann and Charles were one of the couples we interviewed and they allowed us to share their story. The following is an excerpt from our book Who Are the Joneses Anyway? (names have been changed).


Leann and her husband, Charles, had just moved their family into a new, nicer neighborhood. She and Charles decided on this particular neighborhood because they were looking for some of the same things a lot of young parents want: better schools, sports opportunities for the kids, and a newer home. However, after one particular day, Leann wasn’t so sure this new neighborhood was as nice as she thought.

One afternoon at her kid’s school, Leann had just loaded the kids into the family car when one of her newer “friends” literally yelled to her from across the parking lot: “Hey, Leann! Are you wearing Lee jeans right now? Get those off, and don’t ever wear those again! That’s embarrassing!”

“I wanted to crawl into a hole…I just cried when I got home,” Leann told us. She went on to admit, “Until that moment, I didn’t know there was a difference between Lee jeans and designer brand names. I just bought what I could afford and what fit me. But, I’ll tell you what, it made me become more mindful of what I wore. From then on, I was really careful about what I bought because I was so worried that I would receive more negative comments, especially in front of my kids.”

This wasn’t the only time their family felt the sting of social comparison. Leann also told us about a time they were left feeling unwelcome in their new neighborhood and school—all because they brought a case of sports drinks that wasn’t the leading name brand to a local soccer league game their kids were playing in. They dared bring an off-branded sports drink!

They wrestled with feelings of inferiority over that incident too. Leann recounted, “I thought they were saying, ‘Oh, there’s that family who couldn’t afford to bring Gatorade.’ In fact, we couldn’t. We had to live within our means. But slowly we started living beyond our means, just to keep up.”

These were the beginnings of a new life that Charles and Leann had never experienced before. And with this new reality came something else: pressure. As they put it, “We felt compelled to keep up with the lifestyle we now found ourselves surrounded by. It added a whole new layer of stress to our lives that made it difficult financially and emotionally, and, at times, it affected our confidence.”

“I don’t think we even knew what was happening right away,” Leann explained. “But before you knew it, we felt like we needed to drive a newer, larger, ‘better’ car. Everyone around us seemed to drive a Suburban or Escalade.” And that was just the beginning.

The pressure mounted. Leann recalls, “All the good people and the friends we met were living the same life—the rat race—and nobody could breathe. Everyone was exhausted trying to make it all work. And the craziest part: They all thought it was normal.”


Can you relate to Leann and Charles’ experiences? If so, reply to this note and let us know. We would love to hear from you and we may even share your story in a future article like this (with your permission of course).

Want to know what happened with Leann and Charles? Be sure to read our next blog post and we will share the rest of their story and how they worked through their predicament.

Blessings on your continuing journey,

Bob and Susan Karcher

Authors | Speakers | Coaches

Climbing Ladders

Our level of ‘I’ve gotta have it’ will never match our level of ‘I can’t afford it.'” – Bob and Susan Karcher

How is it that here in America, easily one of the most prosperous nations of all time, so many of us end up significantly in debt or even bankrupt? A big part of the answer is that we have made chasing the American Dream our primary focus. We have moved beyond simply providing for our families, conditioning ourselves to measure success in terms of how well our neighbors are doing by comparison. We have stopped focusing on the true standard—one between us and God—that tells us what we are called to be and do. Instead, we judge success by how high we’ve climbed on our own proverbial ladder.

We have all heard of the corporate ladder, and many of us have worked very hard to move up that ladder in our careers. I certainly did. As I made my way through the publishing industry for 25 years, I fervently sought each new promotion and the added pay and bigger title that came with each.

A closely related cousin to the corporate ladder is what we call the “Joneses Ladder.” It represents our ambition and drive to continuously reach for that one more thing that we believe will finally bring total satisfaction and financial peace.

While on the Joneses Ladder, we start to believe that fulfillment and success lies just one rung up from our current position. We rationalize reaching for the next level by telling ourselves we’re not asking for too much. “We are not trying to compete with Bill Gates or Oprah Winfrey,” we say, “that would be impossible. If we could get just one level higher on the ladder, we’d have what we need. And then, we would surely be happy!”

But once we have firmly arrived on the rung of the ladder we were reaching for, suddenly the next rung up on the ladder looks closer than ever. And then something triggers our desire to go higher—the neighbor who got a new car, the friend who got a higher-paying job, or the relative whose kids seem more successful than ours. Or it may be the next job, the next promotion, the next sale, the next accomplishment. The list can be endless.

We come from different levels of education, income, and status. But no matter what level we are on when we start, our level of “I’ve gotta have it” will never match our level of “I can’t afford it.” Instead of being content with our own comfort level, we want more than we can afford—and we keep reaching higher and higher for the next rungs on the Joneses Ladder.

Climbing the Joneses Ladder will never lead to lasting contentment, as there’s always some new level we’ll strive for if we allow ourselves to. As a result, the happiness we seek as we climb becomes impossible to attain because the Joneses Ladder rests on a shaky foundation and is leaning against a crumbling wall that assumes our achievements and acquisitions define who we are. They do not! All of our achievements can’t hold a candle to the joy we can discover when we start with a solid rock foundation.

If you find yourself precariously hanging onto a failing ladder, it’s never too late to refocus your life on the prizes that really matter – like faith, family, impact, and generosity. Strive for these and you’ll discover greater joy than any ladder-climbing could ever bring.

Enjoy this video. It will help bring this message to life.

Blessings on your continuing journey,
Bob Karcher

Author | Speaker | Coach

“I’m fine, thank you.”

Person one: “Hi, how are you?”

Person two: “I’m fine, how are you?”

Person one: “I’m fine, thank you.”

Person one and two: Depart and go about their days

How often have you had this exact conversation with someone? Like the rest of us, it’s likely been so many times that you couldn’t count them if you wanted to.

How it is that being “fine” has become our standard greeting with each other? This greeting has become so customary that we simply state it without thinking about it. And it means so little anymore. Often we even move so quickly through this small talk that someone could say they are fine, yet have tears in their eyes, and we wouldn’t notice.

All of us seem to be fine all of the time. But we are not. Sometimes we are broken, offended, depressed, hurt, sick, and sometimes so completely shattered that we are barely hanging on. Urban dictionary say’s “I’m fine” is “one of the biggest white lies anyone could say.”

Another way of saying “I’m fine” might be “I’m doing great.” Have you been doing great the hundreds, perhaps thousands, of times you’ve answered with “fine?” In this drive-thru, microwave, ATM, Twitter world, we often move so fast that we fail to stop and really pay attention to the person right in front of us … or even to ourselves.

I totally understand there are times when it may not be the right time or even appropriate to dump all of our problems on someone. We could be in a professional setting where it wouldn’t be prudent to break down in tears. Or we think that if we share our issues it will look like we are weak simply seeking sympathy. Maybe we don’t want to admit to others that something is wrong. And surely a complete stranger on an elevator would feel totally out of place if we started crying out of the blue.

Yes, there are times when we really are doing great. Yet, when we aren’t, when would it be appropriate to share what’s going on with someone else and seek advice, counsel, prayer, or even just a listening ear?

I don’t mean to be pointing the finger because I am as guilty of this as anyone. There have been times I was really struggling, even holding back tears, when friends, even family, have asked how I am and guess how I responded. You got it. I said “I’m fine” … although I was nowhere close to doing great.

One of the best lessons I’ve learned through my Joneses Journey is the more deeply, authentically, and intimately I communicate with someone, the more that person feels safer to reciprocate in the same way with me. And the resulting conversations mean so much more than simply talking about the weather, sports, or shopping.

So now I take more risks in getting to truly know the people in my life. As each day passes, I have less and less time in this one life I’ve been given. I don’t know how much time I have but I sure don’t want to spend any of it in superficial conversations with family, friends, clients, or others that I know well.

What about you? Are you ready to take some risks (small ones at first) and actually get to know that person at church that you’ve been sitting in the same row with for a year or that co-worker just three cubicles away? I can promise that you will not regret stepping out if you do so in an appropriate, loving, and sincere way.

Blessings on your continuing journey,

Bob Karcher

Author | Speaker | Coach

Attaining The Perfect Life

“The funny thing about the questions of life is that the ones we ask at the end are the ones we should begin with.” – David Green

How much time do you spend thinking about what a perfect life would look like? I never used to but now I do; in fact I’m as focused on it as any goal I’ve ever had. Let me clarify. I’m not suggesting that I, or my life, could possibly be found without fault. None of us can make that claim.

Still, wouldn’t aiming for a perfect life be a well-intentioned goal? Assuming you think this a good idea, here are some questions you may have: What does that look like? Where do I start? How do I measure it? What should I focus on?

I’m glad you asked. Start with the end in mind. In his new book, Giving It All Away … And Getting It All Back Again: The Way Of Living Generously, David Green comments on asking questions such as this:

“The funny thing about the questions of life is that the ones we ask at the end are the ones we should begin with. It is tough to craft a meaningful life without considering our end: What do we hope for, what do we dream for, relative to our lives, our family, our children? … I hope that some of the questions we put off – about our mortality, about our sense of meaning and success – we can begin to address right now.”

Sounds right doesn’t it? We seem to wait until it’s almost too late to consider what’s most important to us, leaving little time or hope of achieving our goals. That works about as successfully as waiting until we’re 75 to start saving for retirement.

This is why in our Halftime Institute Fellows Program we initiate thinking around Perfect Life Scenarios early on. You can’t move forward if you don’t know where you’re headed. But if you define who you are and what you most want your one life to count for, you can put goals, strategies, and guardrails in place to make sure you are moving from where you are to where you want your life to be.

Even with the best of plans life can still have a way of taking us off track. We’ve all been there. That’s why sometimes it simply boils down to doing the best we can, when we can, with what we have. The key word there is “best.” Let me know what comments or questions you have. I’d love to help.

Blessings on your continuing journey,

Bob Karcher

Author | Speaker | Coach

It was Grandma

“Generations are not counted in numbers but by what we pass on.” – Susan Karcher

As I write this blog Susan and I are fresh off a nine-day vacation on the beautiful Hawaiian island of Oahu with our two daughters and Susan’s mother (aka Grandma). We were initially drawn to this island to celebrate a niece’s wedding but that was really just the excuse I needed to return. It doesn’t take much for me to say yes to a trip to Hawaii. This gathering of islands has yet to disappoint me. And the same was true of this trip … they had me at aloha!

This was a special trip for Grandma. She was born in the Philippines but moved to the island of Oahu after the Japanese invaded the Philippines in World War II. Grandma’s parents fled their home country with her in tow and nothing to their names other than the clothes on their backs. They started life all over. It was not easy but a new life they made.

Grandma stayed on Oahu until the age of 18 when she left for the mainland. Before this trip she had only returned to Oahu once in the ensuing 60 years, and that was over 50 years ago. It has long been a life goal of hers to “go home” once more before her time here on Earth comes to an end.

Grandma had the time of her life. I don’t think she stopped smiling once. She reminisced, shared stories, taught us some history, and soaked in all of the aloha she could. It was amazing to be there with her.

When our trip was over, Susan and I separately asked each of our daughters what their favorite part of the trip was. Hawaii is amazing in so many ways so surely we thought they would mention the people, or maybe the aloha lifestyle. Perhaps they would mention the natural beauty, the balmy evenings, the food, or all the plumeria trees. And yet, none of these things were the best part of the trip for either of the girls. Well, what was?

“It was Grandma!”

That’s right. They loved their time with Grandma the most. They loved watching her laugh, hearing her life stories, and learning of how her deep faith got her through an often difficult life. This is as it should be … the older generations sowing into those that follow. In our book, Who Are the Joneses Anyway?, Susan wrote this segment:

“Family reunions can be fun and revealing events in our lives. Perhaps you’ve heard the volume of conversation in a room drop as the matron or patron of the family begins to speak. We listen intently to their stories, their memories, and the experiences that shaped their lives, and the entire family. We learn through their stories, filled with rich history – where we came from, where we are headed, and how significant an impact each generation has on our families. Their words weave a beautiful canvas of vibrant colors that express a history of hard work, challenges, and determination. Combined with the bold colors and images of answered prayers, triumphs, and victories, their life lessons will carry our families through trials and more for generations to come. This is a terrific image of legacy – a picture of what those who have gone before have left for those of us who come after.”

If you’ve read our book (this is where you order it if you haven’t), you know that Susan and I have not always been on the right path in this area but we believe we now are. While it took us a while to go through what we call our “Joneses Journey” and understand the importance of legacy, we are now committed to living in a way that sounds a lot like the way Grandma is living. We are making a difference by sharing all we are and all we have with our families and the world around us.

What about you? You have the opportunity, and I would add – the responsibility, to fashion your own picture for those who come after you. What daily images are you painting with your life? What impact are you making? Are you living a legacy of faith, family, generosity and other great values, or are you leaving behind memories you would rather not be remembered for? It’s your choice. Pick this day which it will be.

Blessings on your continuing journey,

Bob Karcher

Authors | Speakers | Coaches


We’re Celebrating

“The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand.” – Vince Lombardi

We can’t believe it but this week already marks the one-year anniversary of our first book, Who Are the Joneses Anyway? – Stop Living Someone Else’s Life and Start Becoming who You are Meant to Be. This past year has been a whirlwind of learning new things, executing our strategic plan, and giving it our all. As the quote above says, we believe “we have applied the best of ourselves to the task at hand” … and it’s paid off.

In the past year we watched our book become an Amazon bestseller and an International Book Awards category winner. In addition to that, we launched a website dedicated to our book and started a blog called Upshot. If you haven’t checked these out lately, click on the hyperlinks and you’ll be taken there.

With all of this success, we know we would not be here without YOU, our readers, who have so enthusiastically referred and endorsed our work. We owe each of you a huge thank you. In fact, we think you should be the ones getting a present on this anniversary.

“So, what’s next?” or “when’s your next book coming out?” we are often asked. While we have ideas for another book, we remain committed to our two-year strategic plan for marketing this first book before starting on that.

But there is something on the horizon coming soon … an all new YouTube channel called, you guessed it, Who Are the Joneses Anyway? We are super excited about this. Our original plan called for a podcast but we have decided that the video format will work much better for what we want to accomplish.

With this new digital platform we will share content from our book, dig deeper into some of the book’s concepts, and chat with folks like you. Many of our readers have already agreed to join us on our new “show” to share their own “Joneses Journeys”. As they do so, we will have a chance to learn how they moved from where they were to living the intentional, authentic lives they were created for. If you would like to be considered as a featured guest on our new show, just drop us a note. We’d love to chat with you about that.

We’ll be announcing the launch of this new channel soon … so stay tuned.

In the meantime, if you still have not purchased your copy of Who Are the Joneses Anyway?, perhaps you are the type that wants to sample something before you go all in. We get it. That’s why we developed an offer that allows you to download a complimentary chapter of our book. Just click here to check this out.

We’d love it if you would pass this note along to your social circles. We’ve made it easy for you … just click on the icons below and you’ll be taken to your social media profiles. Thanks so much in advance.

Blessings on your continuing journey,

Bob & Susan Karcher

Authors | Speakers | Coaches

It's in Christ that we find out who we are and what we are living for.

Ephesians 1:11