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"Walk the Talk #9: Spotlight on Kingdom Work" by four brothers

56 views • Apr 3, 2026

Description

March 28, 2026 Strength to Strength welcomed four brothers to share about initiatives that they are involved in. The unsung heroes of Jesus’ kingdom are the faithful disciples who serve their Lord without fanfare or applause. Whether you are a warrior in secret prayer, a widow who casts in the last two mites, or a worker advancing the bleeding edge of the kingdom, you can rest assured that deeds of service do not escape the eye of our benevolent King. An interactive question-and-answer period follows. - 5:40 Salt Microfinance (https://christianaidministries.org/salt-microfinance-solutions/) by Clyde Zimmerman - 26:54 Ur-BAM (https://ur-bam.com/) by Stephen Stoltzfus - 42:56 Urban Sheds (https://www.urban-sheds.com/) by Jeremy Horning - 1:04:27 Anabaptist Brotherhood (https://anabaptistbrotherhood.org/) by Merle Herr https://strengthtostrength.org/walk-the-talk-9/
🎧 "Walk the Talk #9: Spotlight on Kingdom Work" by four brothers
Lessons

The one may be overpowered by another, two can withstand him, and a threefold cord is not quickly broken.

This is Strength to Strength, and we welcome you here today, uh, to a unique talk. Um, it's actually our ninth talk like this, uh, in the last five years, and our title is Walk the Talk, Spotlight on Kingdom Work, and we'll jump into that here right shortly. But I wanted to read a very beautiful verse, uh, this morning as we prepare, uh, for this presentation, and it comes out of First Peter, verse First Peter, chapter one, verse three. Praise the God and Father of our Lord Jesus Christ.

According to His great mercy, He has given us a new birth into a living hope through the resurrection of Jesus Christ from the dead. And that verse is, there's so much packed into that verse, but one thing that stands out to me is this idea that because of the resurrection, um, we can experience this new birth and we can have this living hope. And we live in a world where there's, there's hopelessness. Um, people have lost hope in, in, in governments, in institutions. Uh, they've lost hope in, in religion, in Christianity, uh, in church leaders.

But as those who are, know, understand who God is, uh, we don't, we don't have to, we, we, He can be our hope. Uh, He will never let us down. Uh, God is our heavenly Father, and He's a good Father, a faithful Father. And so may that be, um, our hope today. And so God bless each of you who are on the call, um, and who are, uh, will be listening to this later.

The description for our talk this morning goes like this: The unsung heroes of Jesus' kingdom are the faithful disciples who serve the Lord with fanfare, without fanfare or applause. Whether you are a warrior in secret prayer, a widow who casts in the last two mites, or a worker advancing the bleeding edge of the kingdom, you can rest assured that the deeds of service do not escape the eye of our benevolent King.

And this verse I just read talked about, um, the, this living hope that He's given us, uh, through, through Jesus Christ. And one thing I'm certain about is that as the four men who are gonna be presenting here on different ministries and businesses, that one, one goal that each of these men have is that we could adorn, uh, the gospel of Jesus Christ, that through their efforts and those who they're working with, um, that this, that their desire is that, that God will be glorified and that His kingdom could come in new and fresh ways, uh, through, through their work, um, and the work collectively as we press in to just being a beacon of hope, uh, in our world.

So before we jump in, let's just bow our heads for prayer. Let's pray. Father, we thank You for this, just the, the, the incredible privilege of rising this morning and knowing that You are with us, knowing that You love us, knowing that You are a God that is in the heavens, uh, a God that will never let us down. And Father, we thank You for the amazing reality of the resurrection of Your Son, Jesus. We thank You for this new birth that we can have as our sins are washed away through the blood of Jesus Christ, and that as we can enter into Your kingdom and, and become part of this, this nation, uh, this nation that surrounds the whole world, and a nation whose citizenship is in heaven.

Uh, and Father, we, we wanna be those who, uh, are able to adorn this nation, are able to represent, uh, the gospel of Jesus to those around us. And Father, we pray that, uh, for these ministries here present and these businesses present this morning, that You would bless them in a special way, uh, and that You would, uh, that through the work of their hands, that many people could be equipped, uh, for more effective service, um, that, uh, their work would, uh, that from their work, the labor of their hands, that life would spring forth.

So Father, just God entracked a call here this morning, and most of all, Lord, we want You to be glorified because only You are worthy. And we ask this in Jesus' name. Amen.

Okay, so we have, um, four, four, uh, presentations or four different organizations presenting here this morning. Um, Clyde Zimmerman with Salt Microfinance, Stephen Stallspoose with Urban, or I'm sorry, or Urban, um, a new ministry, and Jeremy Horning with Urban Sheds and Merle Hur with Anabaptist Brotherhood. And so we'll go in that sequence. Um, so we'll begin with you, Clyde. Um, I'm just gonna, I'm just gonna read the bio here for this ministry and then turn it over to you. Um, Clyde's joining us to represent Salt Microfinance, where he serves as part of the leadership team, which is operating in 27 countries. The Salt program focuses on helping people discover sustainable ways to provide for their families while modeling and teaching a biblical way of life.

The program reaches out to people in material poverty through savings groups, Agroplus, micro loans, and vocational training, and the Salt and Light Financial Course. Clyde also works part-time for Anabaptist Financial as a business advisor. As a former business owner, his most important focus is using our occupations to demonstrate Jesus as a way of life.

Clyde, thank you for joining us this morning. Um, and just for the ones who are here attending the call, um, we will open it up for, um, to, to you all at the end. Uh, and you can ask any one of these four brothers questions about their, their particular work. And so if you think of a question, write it down or keep it in mind, and, uh, we'll open it up at the end. All right, Clyde, all yours.

Good morning, brothers. It's a privilege and an honor to be here and share, um, part of the ministry that God has me working in. Um, I would say at the outstart here that there are hundreds of people working in Salt, and I am just, uh, one small part of it. And it is an honor to be co-laborers with God in many ways. So, so I'll just do a, an overview of the Salt program here this morning briefly and, um, start with, is there a need? And, um, extreme poverty is defined by the World Bank as someone earning $1.95 a day or less. And this graph shows, uh, global poverty was improving for 20 years. And then due to the pandemic and war, there's, uh, an additional a hundred million people that were pushed back into extreme poverty.

Um, subsistence farmers is another major need and smallholder farming, sometimes called, usually several acres or less. In 2015, about 2 billion people living in rural areas of developing countries survive as smallholder farmers. And subsistence simply means that they primarily plant to feed their families. There's a picture I took in East India, uh, this farmer spreading seeds, a few cows with a piece of timber to work the land. These men are almost certainly concerned about crop failure, no harvest. They cannot feed their family.

In the 1990s, the World Bank asked more than 60,000 men and women living in poverty to describe poverty in their own words. And what's interesting, rather than focusing on material need, the interviewees described something different. They said this: shame, inferiority, powerlessness, humiliation, fear, hopelessness, depression, social isolation, and voicelessness. So you can see poverty is much more than just a lack of material things. It's relationships with your community, family.

But I would, uh, talk a little bit about some biblical examples that we endeavor to follow. I think it's easy to think that development is something maybe more new, but, but that's simply not true. There's development truths all through the Bible. There are many, many, but I'll only mention a few this morning.

Deuteronomy 24:21, when you gather the grapes over your vineyard, you shall not glean it afterward. It shall be for the stranger, the fatherless, and the widow. Now I can visualize this Jewish farmer. You and I probably have more in common with this farmer than is first obvious. Generations of good teaching, probably the latest and best farming practices. But here comes teaching from God: leave the corners of your field, only go over their grapes and olives once. Same for the wheat fields.

They were to provide opportunity to the poor who were capable of working. Ignoring this biblical teaching creates dependency, and dependency is very harmful to the people we desire to help, as well as to ourselves. We may develop a God complex, and we can also learn a lot what's not said in this scripture. There's something for the poor to do. The stranger means foreigner, um, the orphans and the widows.

So, uh, work is a blessing. The whole book of Kings, Second Kings, is amazing in this, and many examples of Elisha helping the poor manage what God had placed in their care. So if you want an interesting study, do a book study of Second Kings sometime.

I'll end with this one, um, Luke 2:52. It's talking about Jesus, and Jesus increased in wisdom, stature, and favor with God and man. And, um, this is powerful. Uh, holistic is what's going on here. Wisdom is intellectually, stature is physically, favor with God, spiritually, favor with man, socially. You know, what we try to do in the Salt program is bring the sacred and secular together, not teach the one at the expense of the other, of the other, but care about the whole person. The Salt vision, uh, we have chosen to represent it in a tree. Um, kind of the core values are below the ground, the root values. You don't see those right away. And, uh, then there's our mission.

Uh, you might say our mission is like the leaves. It's kind of indirect, you know, we obviously want the fruit, but our mission, what we do, we model and teach a biblical way of life, and we help people discover sustainable ways to provide for their families.

So, um, everything we do in Salt tries to connect those. But our long-term goal, and this is maybe more of a God thing, maybe it's the fruit we desire, is, is sustainable church communities demonstrating Jesus in daily life. And there's a lot, there's a lot said in that church communities that, you know, they can provide for their own, and, and it's attractive. It's, it's a little embassy demonstrating Christ as, as daily life in the midst of, of darkness and hurting.

So this is what we come back to many times. Does this align with what we're after? I won't go into the beliefs or the root values, but chronic poverty is often rooted in an improper worldview. And the last one on that list is a little hard to read there, but our worldview isn't perfect either, and we must learn from those we help.

You could say that in Salt today, we have unprecedented opportunity. This global map shows where we're operating. Um, there's some restricted countries not shown on this map, um, but dozens of people groups, and we have somewhere around 250 indigenous facilitators every day trying to be faithful with teaching the word of God and more than a hundred thousand active members. So tremendous opportunity, um, but so many needs in the world. Today, just over 102,000 people receiving regular biblical teaching, uh, that number up on top there, $3.03. That is the average weekly savings per member that a member brings to a savings group. Some places it's much, much less, like 10 cents, 15 cents.

Um, the, uh, and then once they accumulate their savings for a while, then they, they give loans of their own accumulated savings to their members. And the average loan size is about $217. And this is a three-month average here at the end of last year and about 83% of, uh, average global meeting attendance. So, uh, pretty high attendance. Some places it's in the nineties, other places obviously a little less. Depends a lot on the culture.

We have five different methods we use or aspects, uh, teaching-based savings groups. Savings groups are very, very common, but we'd like to think our focus is a little bit different. There's focus on teaching biblical truth. Agroplus is our program that we work with the smallholder farmers I talked about, vocational schools. Um, might be, it's really about helping young people develop a skill or trade to help their families in Anabaptism. That's normal. It's not normal in many parts of the world. This could be welding, like in Uganda there. It could be automotive in, in West Africa. Could be sewing and tailoring, could be, uh, computer classes, et cetera.

Micro loans is what we started with. Don't do much of that anymore. We only have one country doing that. And of course, the stateside Salt and Light is, uh, um, is, uh, what we, uh, use here, stateside, to help the poor and become better, uh, biblical stewards ourselves.

So model and teach a biblical way of life, help people discover sustainable ways to provide for their families. It's a lot said, but how? Um, another way you could say it is changing our worldviews, not more like us, but closer to God. Now, you may have heard that all of us have a worldview shaped by our experiences, family culture, income status, life experience. They're given to us by others. We didn't choose them. For example, for a Haitian boy, lying is telling the untruth and getting caught. Uh, in other words, it's not a lie unless he gets caught.

India caste system. Believe it's a religious duty to be poor. It's very difficult to change if you believe it is your religious duty to be exploited. I think it's important to note that our worldviews, uh, have problems as well. Focus on materialism and wealth and, and, uh, not being the stewards maybe the Bible calls us to be. Because of this truth, our focus is heavily on the spiritual soil.

Poverty grows out of the soil of an improper worldview. The vast majority of people in developing countries are steeped in poverty, are very afflicted in the spirit world, appeasing the gods. And this is true for people of all faiths: Christian, Muslim, Hindu, Buddhist, or no faith at all. This might be a farmer who goes out and burns all the residual, the, uh, crop from his prior year, all the organic matter, get rid of the evil spirits rather than using it for compost. And when this continues for generations, it's because of a broken worldview.

So teaching is the core of the Salt program. If, if we were to describe it in a word, it would be biblical teaching. And we give printed teaching manuals to everyone, even if they are illiterate. And why would we do that? God has a unique way of bringing the printed word to people that are searching. And we put a lot of time and energy into developing content. Um, here's a little bit of an example, uh, left to right here. When we started a new country here in a few weeks, I'll be going to Mongolia. We're starting there. What, what, what have we learned from similar cultures? We change the names and the stories that align with local culture.

We have a lot to learn. And maybe the intermediate years, five to ten years, some progress has been made. And we change, uh, we do customization to learn more, make it more applicable to their culture. And then maybe beyond ten years, you know, development takes time, uh, more advanced content. And Salt's role may be different depending on the local church. And holistic, we're trying to bring the physical and the spiritual together, not teach the one at the expense of other. Um, so, but this whole thing of a slow, methodical, Holy Spirit-guided change of worldview. If it changes quickly, it's not sustainable.

Just a few pictures. Um, you know, this is from Niger. Uh, lots of challenges there these days, but unbelievers, we want to share the gospel. Those that are professing Christians, frequent teaching meetings to help them learn what it means to live out Jesus' teaching in daily life. And of course, the economics, better provide for their families, help the poor in a sustainable way, and reduce suffering, show the compassion of Christ without creating dependencies.

This is a vocational sewing and tailoring class in East Asia. Uh, learn a skill. Many women are, are learning how to do sewing in a meaningful way in their, in their homes. Uh, here's an agriculture view, making compost. This is in the Bangladeshi Rohingya camp. Um, many times the resources are in the communities, but they're untapped. But as we walk this path, we get to interact with meaningful relationships in restricted countries and allows interaction with community influences over the long term.

Not only that, uh, just this ability to walk with our indigenous staff and just discipleship and mentoring and walking together and just learning. Salt gets used in so many different ways, and we have talked about calling it to the Leatherman or maybe the Swiss Army knife.

Many Anabaptist missions use salt very differently. And, uh, just a few examples of that. Trucks are designed to carry cargo, different kinds of cargo. So churches and missions come to us, and they have a specific need. They want to help a people group learn better, provide for their families. Some want to plant churches. Some want a way to start teaching and developing relationships. So some church planting, teaching and developing relationships with the goal of planting new churches. And we have teaching content that does that. Other countries have existing churches. They need, uh, regular teaching. So strengthen existing believers, practical spiritual teaching. For example, Nigeria have huge churches, and they have foundational scriptural doctrines, but they need teaching in areas like marriage and morality and leadership to become more Christ-like.

Community development. Other countries like Liberia started recently. They want to move away from aid and teach people how to produce and provide for themselves. Uh, spiritual teaching included in each model, but the emphasis is different. So the salt truck, so to speak, hauls different cargo depending on what people are looking for. I'd like to drill in a little bit on restricted countries. It's a creative way to bring the gospel to the unreached. Places where the government is hostile to Christianity. We need to be a little bit more innovative, but let's look at the need in the restrictive countries. This map is from the Joshua Project. The red dots represent people groups who are unreached. As you will notice, most of them exist within a small window, and this is sometimes referred to as the 1040 window.

And that simply means 10 degrees north and 40 degrees north latitude, sometimes called the resistance belt, and it includes the majority of the world's Muslims, Hindus, and Buddhists. There's approximately 5.2 billion individuals in this area, of which about 3.2 are considered unreached.

Also, it's the home to the majority of the world's poor. The poorest of the poor, eight out of ten live in the 1040 window. It's amazing overlap between the poorest countries of the world and those that are least evangelized. Now, this is chronic poverty. It's been going on for a long time, and it's a very, salt is an effective vehicle. Let's look at this a little closer. Three dominant religions. Green is Muslim, yellow is Hindu, orange is Buddhist, black is non-religious, and many of these are very resistant to Christian teaching. But let's take a closer look. Why is salt an effective tool? Well, commerce is a universal language. When building relationships, it's helpful to have common ground to work from.

We automatically do this when meeting something, someone. If two deer hunters meet, they start talking about deer. Common language. Business is the same. Businessmen are always looking for better methods. This is a few pictures from areas that my family and I have lived on and off over the past 10 years. This man is produce sales. If you show him how to prove his bottom line, he'll be interested. This is a butcher. Fairly certain he wants to become more profitable. This man is, uh, operating a lumber shop, a yard, and, uh, if you show him how to operate more efficiently, you have a friend. All of these people are attempting to provide for their families. Sit down, buy some tea.

It's a great way to start a friendship. If you tell them you're from America, they're more interested. Now, it's changing, but that's the way it has been historically. People falsely think that America has three easy steps to success in business. Now, we both know that's not true, but it's a great challenge getting an environment to, uh, getting government approval to be there. I spent a lot of my time focusing on this.

So come back stateside here. Um, I want to talk about Salt and Light a little bit. Really appreciate our partnership with Strength to Strength. The site saltbooks.org, you can get information, and there's various tracks to reach different people groups. And, um, yeah, it was greatly expanded here recently. And, uh, yeah, it's a tool that people can use locally. As we conclude here, I'd like to just mention just one more, a few more things here. You know, we have wrestled with, as we work in a community, there's different stages. In the startup phase, you have the red line is salt, energy, and resources poured into it, and the yellow line is the local, what they're doing.

They've been taken advantage of, stepped on, they are not able to do well. And so we have to do a lot of energy to get started. But then in the middle phase, this might be the next five years, we see they're really excited about it. And we recognize we have limited resources. So maybe beyond that, maybe out to 15 years, and it varies in different places, we have to think about, um, you know, we're going to, we don't want to walk away completely, still do some seminars and teaching, but some areas, they may do great. Other areas, not so much, and we have to move on with that. We have to be okay with that and give others opportunity.

I've said our goal is sustainable church communities demonstrating Jesus in daily life. If I had more time, I'd share a story about these people, but these brothers are doing just that. There's some godly men that are dear friends, dear believers in Christ that are faithful in teaching all things of the scripture and the historic faith.

So we're just very, very thankful to the many generous donors that God, that we have, and the opportunity God has given us, pray for us that we could be faithful. And may God bless.

Amen. Uh, thank you for the slide. Uh, commerce is a universal language. Uh, so thank you for, for taking us through the different aspects of salt. Um, and I really, that last graph there showing, which was, I think the green line was, you know, the work of salt getting something kicked off in a country, then that dropping off, and then that local, um, and the locals embracing that and, and carrying it on, you know, so that's, that's just, uh, speaks sustainability, um, and impact as people own it. And I know that's, that's been happening. And, um, and also then the idea too is, you know, church planting really, um, is at the heart of it.

And that's, that's your, that's your vision, these sustainable communities that represent the way of Jesus. Uh, so thank you, uh, for, for, um, for sharing that talk. Um, so you mentioned, of course, Salt and Light is for here stateside specifically, which you mentioned the salt, saltbooks.org, I believe it is that we have, or you can actually get it off of our website as well here at Strength to Strength Books. We partnered, uh, with Salt in getting those books to market. So we, we ship those, um, so that there's more information on our website about that. Um, all right. So any questions, keep those for, um, at the end, uh, of our time here, uh, this morning.

Um, so next up is Stephen Salzfuss. Uh, he will join, he's joining us to represent Urban, which was inspired by five brothers and is currently a simple, loosely structured effort overseen by three men. It is not a formal organization, but a place for connection, inspiration built around a simple observation.

Struggling small towns and neglected urban neighborhoods often begin to change when hardworking, faithful families move in, live among the people, and invest their lives there. Urban itself is not the goal. The goal is to cast a vision for families to move toward needy places and integrate their lives there, not keeping up treasures for themselves, but rebuilding what has been broken and pointing people to Jesus through the ordinary rhythms of life and work.

All right. Uh, Stephen, go ahead. Yeah, thank you for having me on here, Ryant. Um, I, um, when I was asked to come on, I was excited for the opportunity to get the word out, um, for the conference that we're planning.

And, uh, but I, but when I thought about some more, um, when I read the descriptions to unsung heroes of Jesus' kingdom or the worker advancing the bleeding edge of the kingdom, as in your descriptions for these talks, I, I wasn't so sure if it fits.

Um, but then as I was, uh, considering, um, and you know, I trust that what we're doing, uh, is, is we're, we're, the reason for the initiative is to inspire more of that. Um, Urban, in other words, is not the goal, but it's really, I believe, is to advance the church with the tools we have in our belts in the area of business. And I think that's really our goal here.

So, uh, I'm going to look at three different things. I'm going to kind of look first, um, a little bit about what Urban is not. And then I'm going to look a little bit what we're trying to promote in a little more detail. And then I'll just share about the details of the summit and invite you all to come.

Um, a little bit what Urban is about. Um, this first page here is, is kind of, you know, a little snapshot. It is about transforming our, our business mindset into a lifestyle mission, uh, to urban and small town environments, uh, by simply using the resources we have to further the kingdom of God.

Um, it's, it's, uh, it's about bringing glory to God, uh, and, and, and encouraging, uh, just a simple lifestyle in, in urban settings. Um, so let me move on here. Um, it is, so what it's not meant to be, it is not for businesses or people that want to heap up treasures for themselves on earth. Um, I'll read Matthew 6:19 to 20. Do not lay up for yourselves treasures on earth where moth and rust destroy and where thieves break in and steal. But lay up for yourselves treasures in heaven where moth do not, where neither moth nor rust destroys and where thieves do not break in and steal. I think we're all familiar with that here.

And so, uh, just move on. Um, it is not for the people who want to promote the prosperity gospel.

It is not meant to be a nice glaze on top of your current business to make it look good. So the reason I'm bringing this up a little bit is, is I know how these things, uh, in my own life have, have sort of penetrated and I'm not, we're not trying to promote that. We, we really want something better. So what Urban is really about, it is for people who want to or are pouring out the blessing to the people around us as God has blessed them for his glory and, and honor.

Uh, the promise we see in Genesis 12:3 to Abraham, um, I will bless those who bless you. I will curse him who curses you. And in you, all the families of the earth shall be blessed. Uh, I guess it would be 12:1 to 3 in, in more detail. Uh, but really, um, this is our promise and, and we have been blessed.

And the goal is to use that blessing to bless those around us. Um, it is for those who want to transform their current mindsets into a life of service through the workplace. And it is for those who want to or already have moved to urban settings and towns and in a simple and practical way live out the gospel of the kingdom in the communities they are in.

Uh, so this next slide is, is just a snapshot, uh, a picture that was, uh, put together with the latest technology of our day. Um, and, and just to give us a visual of what we're seeking to do. Uh, so you can see in this picture, it's, it's multicultural.

Um, it's people working together. It's, it's fixing the houses. It's planting gardens. You know, there, there looks like a lot of joy and hope in, in this place. And so just a little bit of a visual of, you know, what we envision. I know this is probably beyond reality, but, uh, it is something that I think we can aspire to in the idea of just creating joyous and, and atmospheres where, where we're, we're restoring things. And I think along with that, you know, lives also get restored.

Um, so the first Urban Summit is planned for this year on June 26th. And then on June 27th, we plan to do a city tour. Um, and I'll go into more details of that later. Uh, we plan to meet in Salanca Fairgrounds here in Quarryville in, in, uh, Lancaster County.

Um, the address is there if you're curious. Um, a little bit of the outline for the summit. Um, the, we'll start off with probably more of like an inspirational, uh, um, icebreaker kind of thing. We want to talk about the Moravian story. I'll, I'll further present that and share some of that. And then, uh, the whole summit is geared towards being more of a discussion, more of a, um, interactive time, more than just like a conference style where you just get and talk to. It's more meant to be engaging. And so, uh, we're hoping, we're, we're planning, we have, uh, we're, we're hoping that four brothers to have like a business discussion where, where we'll have each give their talk, but then have like this open, hopefully time of dialogue and discussion amongst the group.

I don't know how it's all going to go. We're just kind of winging it. We don't really know what the outcome is, but we're really, the goal is really to create an environment of connection and discussion around this, um, idea.

So we plan to have food trucks there. Um, the summit is, is free. Uh, we're going to collect, uh, a free will donation to try to cover the expenses of renting the building and, and, and things like that. But the food trucks, um, are there and you can buy your own food. I mean, in, in that sense, it's not free, but instead of us providing all the food, we decided just to provide food trucks. And this also gives you maybe an opportunity to think about what it might look like to operate food trucks in urban settings since it's kind of a move today.

Um, we'll have an urban life discussion similar to the urban business discussion, but geared more towards just living in the city, what family life looks like in the city, um, more towards, you know, just the day-to-day life in, in the people we're kind of thinking are going to, there's going to be people there who, who are probably pretty curious what it looks like to live in the city because most of us have the mindset that cities and urban settings are, are, are hard to, hard to live in. I'm sure they are, but I think there's many practical things that a lot of us sometimes miss. And the goal is to get people who live in cities and come teach me, teach us.

I don't live in an urban setting. And so I, I'm, I'm, we're excited for this discussion to try to help, uh, people see the, the practical life of, of city or urban settings. Um, we're also hoping to have a, a, or planning to have a session where it's more geared towards agriculture, um, community gardens, uh, and things like that. And that's kind of my personal interests in this.

Um, so that's pretty much it for that. Um, then the next day we plan to go visit cities. Uh, like I mentioned earlier, we plan to go visit, uh, if people are interested, we'll have, uh, three different cities they can choose from: Baltimore, Reading, and Lancaster probably. And if, if people are interested, and then we'll go and, and visit, you know, businesses, visit the location and hopefully, you know, get, um, our mindsets shifted towards the feasibility of some, some of this.

Um, and I, I might be coming across as like, you know, I got this figured out and all of this. I don't have it figured out. And that's why we're doing this. Uh, just kind of winging it. But, but we're excited to, to get those who are living in the cities and to go to those who are living in the cities to learn. And you guys can probably come. There's, I think there's a few on this call, at least Bryant plans to be there and speak to us. And you can tell us the things that we're missing and the things we need to learn and the things that are hard and the things that you made mistakes on and, and so forth.

That's what we're looking for. We're not looking for the polished talks necessarily, but just something that we can, you know, reach and, and feel and, and things like that. So, uh, if you have something that you want to display, a business or a side hustle or an opportunity, or maybe, maybe you need a family to move with you to go somewhere or whatever, you know, come and, and, and share that. Um, if you have a business or something you're trying to, that you think would be a good fit to, to be, uh, displayed or, or to be a good in, in this theme, you know, we, we want you there to, to show what you have.

Um, this again will be free. It's just, uh, we might do some screening depending on what you have, but, uh, it'll be pretty much free for you to just come and, and display that. Um, so you can register at urbm.com, uh, slash register. You can, you can take us, you can, I don't know if you have a, a phone, you can look at this QR code or, um, if you don't have internet access, you can email me at, uh, connect.urbam@gmail.com. Again, it's connect.urbam@gmail.com. Urbam is spelled U-R-B-A-M.

So you can just email me saying you want to come and information that way. Um, we do have a Telegram group, so you're welcome to join that to stay updated. Uh, if you're interested, I'm going to go back and just open up, uh, this, uh, registration page to go down here and show you a little bit the plans for registration. Basically just, uh, your name, phone number, email address. Uh, we, we don't have necessarily a deadline, but we're, we're promoting, uh, to try to, um, uh, get your registrations in, you know, at least a week in advance. So we have some time for planning. Um, since it's kind of loosely structured and yet it's structured kind of in a way where we're hoping to sort of flow, it's not quite as critical for us to, to get everything perfect, so to speak.

But we do want to be organized so everybody can enjoy themselves. And so we would appreciate registration sooner rather than later in that way. Um, so the registration, put your name in, put the amount of people you're are coming. If you're going to be attending the city tour, choose the city you want and the people who are going along. Um, have a table to display. Just put that in here. Tell us what you want.

Um, and any questions or comments. So that's, um, pretty much all I have. I know I'm probably not at 15 minutes, but I'll hand it back to you, Bryant. Thank you so much for sharing. And 18, almost exactly 18 years ago, my wife and I moved into the city, newly married, um, and have lived in urban areas ever since.

Um, and 18 years ago, there wasn't, there wasn't many discussions like this happening, um, in the Anabaptist world. And I couldn't be more excited, uh, to see Urbam happening. Uh, and really, you know, as I was, you know, this all kind of came together somewhat organically. Uh, I kind of catch ideas a lot throughout the year of, of ministries that we could, we could represent here and people suggest them. And so I had these four is like, hey, you know what? Um, wow, salt, um, impacting the world, but also having a really good curriculum for right here, stateside, uh, the salt and light courses, uh, which is teaching, focused on teaching. I mean, they have all the tools there to empower people in urban areas and cities or just anywhere really, um, who are building relationships to, to do that.

And then you have this vision right here, which is focused on business, um, you know, which is, uh, a beautiful vision. If we could just see, uh, have our eyes open to all the opportunities that we have every day as we walk with people in business, it would be, it could transform our communities, uh, increase our impact tremendously. Um, and I liked how what you're not, um, that's, that's some, that's some, uh, stepping on toes stuff right there, brother. Uh, so thank you for leaning into that. Um, I have to decide if I can come. Uh, that's, that's a pretty convicting stuff and it's good. So thank you for sharing that. Um, and, and then also next is Jeremy Horning here with Urban Sheds, which really is some of the same idea.

Really, I mean, it's, it's right along this line of how can we live sustainably, uh, in communities, bring value, and then also use them as a way to, to get to know people, uh, for the sake of the gospel. Um, so yeah, I'm excited about your, your organization, Stephen. So press on. Um, looking forward to being at, at your first, uh, conference there, the summit. Um, I think it's in June, right? What was the date again? June 26th. June 26th. So yeah.

Uh, and we'll open up at the end here for any questions for these ministries. So, all right, thanks again. And then next is, uh, Jeremy Horning. Jeremy is coming to us from Kampala, where it's afternoon, Kampala, Uganda, uh, East Africa. Good to have you here, Jeremy. Uh, Jeremy and I went to Bible school, uh, 20, maybe 21 years ago, uh, right in that range.

Um, we've kept up ever since. Consider Jeremy a good friend, um, and excited to have him on here. So Jeremy is representing Urban Sheds, a company built on a simple mission to give homeowners something worth having and craftsmen and craftsmen work worth doing. Wow, that's a good line there. To give homeowners something worth having and craftsmen work worth doing.

Since 2021, Jeremy has lived self-supported in Kampala, Uganda, with his wife and four children and a part of followers of the way. From here, he runs Urban Sheds remotely while remaining invested in the builders and communities his business serves.

Jeremy is passionate about the nuts and bolts of daily life that create a thriving urban community. In his words, a service-based business is an ideal way to establish a real presence in a local community. If you want to know your neighbors and touch their lives in a meaningful way, start a service-based business.

Amen. All right, Jeremy, go ahead. All right, thank you. As Bryant said, my name is Jeremy Horning and, uh, yeah, I'm the founder of, of Urban Sheds, which is a, a modern, uh, shed company that it partners with craftsmen across the US. So the, the business in itself, I, I would say actually it isn't that exciting unless you know the backstory of the business. So yeah, so let me tell you a little bit about the, the backstory. So, so in July of 2014, I moved my family to, to Boston, um, to help establish an intentional Christian community there in the city. And because of everything that surrounded our move and everything, we actually, we actually arrived there financially at zero.

You know, we had, there was no existing business to plug into. We didn't have a network of friends or, or relatives to, to help us get started or anything nearby. Um, so we had to figure out how to survive in, in one of America's most expensive cities, uh, before winter came.

And those, those early days were tough. And so I would kind of like to, to share our story because some of you might be on the verge of actually moving to a city or making that leap. And, and I want, yeah, I want you to know the risk, but also the possibilities of the life on, on the other side. So, so we lived in Boston seven years and our life was, it was full of, of many good things. We, uh, we hosted church in, in our, in our home for all the seven years that we lived there. Uh, we had sometimes up to 80 people in our, in our home. Um, it was very culturally diverse.

Our, our potluck, potluck meals were probably some of the best that we've ever had. And that, that says a lot coming from a, a Mennonite background. So, um, there were long stretches, uh, where we had overnight guests every weekend, uh, people visiting the city, you know, people exploring the community, people, you know, just wanting to see what was happening, what was going on.

Um, every month our family joined a food packing event at the local mosque. Uh, we packed and we delivered food for, for refugees in and around Boston. And, and through that, our children got to see, you know, firsthand, your kind of firsthand experience with other cultures, with other faiths, um, in a way that, you know, no books, no, no courses or anything could, could provide. Um, we had enough money to travel, which was nice, uh, enough to be generous with our, with our home and our table, uh, without continually, you know, counting the cost. You know, we, we could say yes to things, to things that matter. And, and most importantly, I, I had time.

I had time to, to sit in coffee shops, had time to read and write and think. Um, it was in those years that I pretty much rebuilt my whole life philosophy just from the ground up and, and found a solid ground underneath my feet.

Um, there was also a, a Iraqi refugee family that, that we became good friends with. Uh, they had fled the war and had landed in Boston. And, uh, we went to their home, they came to our home, our children played together. My wife helped his wife learn how to drive, um, and she got her license. And, uh, and their, their story became part of our story.

So that's kind of a small snapshot of our, of our Boston life. Um, and it was, it was made possible by the, by the many different businesses that I, that I had started and, and was running. Um, so if moving, if moving to a city can, you know, provide such a full life, you know, why don't, why don't more people go? Um, and when I, I listen to people who feel that pull, you know, towards a city or towards community, you know, towards something more, um, they usually have like some just practical hesitations, you know, things like the cost of living, which is often, you know, much more than what they're used to, or just the income question, you know, how are they going to make enough money, you know, to move into, you know, a city?

Because cities are, you know, notoriously expensive. Uh, things like not knowing anybody or just starting from scratch, you know, all these things are, are like very real questions. And, and I'm not going to, you know, dismiss them, but, but I think underneath these questions, um, is something that's often harder to say out loud. And it's something more like, you know, I'm not sure if I have what it takes to actually do this. You know, the fear that you're going to uproot your family, you're going to, you're going to move somewhere expensive, you know, where nobody knows your name. And it's like, you know, is it, is it going to work? Um, but, but amid, I think amid all those fears, it's like we have that, that persistent belief that, that cities are full of, of people that need community, uh, who need examples of, of how to live well.

Um, and every year that our fears keep us comfortable where we are is a year that those cities go, you know, without what they need. Um, and there's no reason it has to be that way. You know, the, the fear of the unknown was, was definitely something I carried when we, when we, uh, moved to Boston. You know, I, I had grown up watching older men build successful businesses. And then from a place of stability, they would go out and start mission projects. And as a young man, it's like I, I looked at that life and I thought that was, that looked like a life worth living. And so that became my plan, you know, to, to, to build a business, save, you know, save up a nest egg, get established, and then later, you know, go, go start something worthwhile.

So that's the path that I, I had started on as a young man. When I, when I was 24, I, I moved my growing family to a six-acre property in, in Western Massachusetts. Um, and it was a beautiful property. It was, you know, I had, had two ponds on it. It had a barn. It had an apple orchard, had a greenhouse, solar hot water. Uh, we had the whole property was surrounded by state land and we had no close neighbors. Um, I remember like looking out over the property at one point and telling my wife, you know, I never want to leave this place. You know, I could, you know, we could live here to the day that we die.

And, and there I'd started a, a, started a firewood, uh, processing business. I started a sandblasting business and, and I was starting to make good money, uh, just mostly working from home. And, and in a sense, the plan was working. Like life was good and, and, uh, the future felt, felt open. Um, but then, then one day when I, when I was out on a job, I got a call from my wife and she was going into labor, uh, four and a half months early.

And I, I remember like driving like 90 mile an hour, you know, down these backcountry roads trying to get home to her. And we, we rushed her to the hospital and, and our son was born, uh, four months premature.

Uh, he ended up spending like three and a half months in the hospital. Um, and at that time we had, we had no health insurance. And I, I remember like the finance department like coming into the hospital room and, and giving us a projection of what this was going to cost us. And I remember like feeling like frustrated and, and angry. Um, and, and as the bills, as the bills started arriving in the mail, it's like the total, the total came to half a million dollars.

So through, through like a lot of like negotiations and, and help from the church and stuff, we were able to, to get it paid off. Um, but that plan that I had to, to save first and go later was gone. It was gone overnight. And I, I remember thinking, you know, I could spend my whole life building a nest egg and lose it all in a single day.

You know, if I was going to do something worthwhile in my life, I couldn't just keep pushing it into a future that might never come. And it was, it was in those moments that I decided like no matter what comes, it was better to pursue a meaningful life now rather than risk missing the opportunity completely.

So around that time, our, our local church was going through some, some conflict and it was kind of the push that we needed to, to just find something else to do with our life. Um, and we started looking around for, for an alternative story. And eventually we heard of the, the Followers of the Way community starting in Boston, which was about two hours from where we lived.

Now, uh, Boston is, is one of the, the most expensive cities in, in the United States. And there was, there was three founding families that were moving there. And one of the, one of the founding brothers, he, he went out on a limb and he got, he got an extensive mortgage to buy a, a three-unit property that became like the original community center.

And then the two other brothers, uh, they both had large families. They, they were driving three hours a day to work like a window washing route in Connecticut. And then they were splitting one man's wage between those two families.

And the one wife, uh, she would cry on the weeks that it was, it was her turn to, to host the agape meal because it meant that her family would go hungry that week. Um, the original chairs were just a free grab out of Craigslist.

Uh, the song sheets were just, you know, just held up for singing because there was, there wasn't any songbooks. Um, when we heard about Boston, a lot of people around us said it was crazy to move there. It was too unstable. It was too, too fragile. And I remember saying, uh, yeah, it's unstable, but that's exactly why I want to go. I want to see it succeed.

So, so we put our property on the market in, in Western Massachusetts and, and we moved to Boston and we started paying the highest rent of our lives, uh, while simultaneously carrying the mortgage, still carrying the mortgage on, on a house that refused to sell in Western Massachusetts. And we finally dropped the price and sold it just before winter. Um, and we got much less for it than we hoped. And that, that's what put us financially at zero.

And then, and then the week that we moved to Boston, one of the founding families announced that they were leaving the community. So the community that had just became four families was immediately down to three families again, and we were one of them.

So some of you might know Matthew Milioni. So Matthew Milioni and I, uh, were both new to Boston. Uh, we both were flat broke and we had to get a business off the ground, you know, as Boston winter was, was closing in on us. So, so we took out a large loan and, and we bought a, a work van and, and, and we used it to, that loan to help pay our salaries as we started a handyman business. Um, uh, yeah. And then we, then we just kind of took any jobs that we could find. And I, I remember working, uh, like late, like nights downtown, like after the restaurants were closed. Uh, we were doing, we were doing maintenance on this restaurant that was on the verge of being shut down because of failing inspections.

And, and it was our job to, to replace the ceiling tiles in the kitchen. And if you ever replace the ceiling tile, you know how you have to, you have to kind of tilt it to remove it. Um, you know, we were just showered with rat droppings and mice skeletons. And it was like a really messy work, but it was something that helped us pay the bills.

Um, so we, we had no experience raising a family in an expensive city. Uh, we didn't have any connections, you know, no idea how to market online. Um, we started charging like $40 an hour, which we thought was high coming from the city or coming, coming from the country. But it, it just became obvious almost immediately, like this, this was never going to work. Um, so we kept raising our prices and people kept hiring us until within like five years, I was charging like $150 to, to $200 for the same work. And it's not, not because my skills changed, but because I discovered that their skills were actually worth something to people that were earning, you know, $500 to $1,000 an hour if you, you didn't know how to fix or build anything.

So I learned that, that a rural background is not a liability in a city. It's an advantage that just needs to be priced correctly. So building, building a solid brand and, and learning how to, to charge, it didn't just pay for our life in Boston.

It, the work was our life in Boston. It's like we, we knew the streets like the back of our hands, you know, not, not just because we lived there, but because we got out and we showed up at people's homes like day after day, you know, solving their problems and, and building relationships.

And those relationships made Boston feel like home. You know, a, a service-based business, um, in a city, it's not just an income engine, it's a relationship engine. And it's how your values become embedded in the very fabric of the city.

But building from, building from scratch, it, it wasn't easy. I, I tried around probably 10 different businesses in those seven years, um, that we lived there and only three of them exist today. So that's, that's almost a 70% failure rate.

And, you know, most families planning a city, uh, a church in a city, you know, they don't want to go through, they don't want to go through all that. Um, but in a sense, Urban Sheds is the result of kind of wrestling all that chaos into kind of a clear high-value brand, which now, which now can give others the stability to move into new areas like we've partnered with Urban Sheds.

So I, I didn't necessarily start, you know, I didn't necessarily, you know, set out to build a business model that could, could help others, you know, but, you know, I set out to, to go to Boston, but, but the model kind of evolved over the years because, because every winter the exterior work would almost shut down. So, so in a moment of, of, of inspiration, I called a friend down in Atlanta and I told him, I was like, "Hey, I have this website, the shed website. I have shed designs and I wondered if, if you would be interested in, in selling and, and building sheds in Atlanta if I did all the marketing from, from Boston."

And, and he was, you know, he was exactly at a place where, where he was looking for something like that. So, so he started building in Atlanta and he, then he just started giving me a kickback of everything that he sold, uh, through our website. And then since, since Urban Sheds was already giving work to like numerous brothers in Boston and Atlanta, uh, when Church Plant started in, in Houston and Pittsburgh, um, it was kind of a natural extension to just partner with builders that were moving there. And I could copy the ad campaigns, I could duplicate the landing pages and just start generating leads there. So what I wished had existed in Boston when I first moved there was now in a sense built and it was helping to serve others.

And, and that felt, it felt good. Um, so the brand is now, you know, it's, it's been built for over, you know, like 10 years now. Um, so we have, you know, all the SEO authority, we have a 3D shed configurator on the website, we have sales CRMs, you know, project management app, blueprints, all this kind of stuff that other builders, if they want to, they can tap into those assets and that brand authority from day one, uh, when they partner with us if they're moving into a new location.

And, and in a sense, Urban Sheds is not just impacting, uh, U.S. cities. Um, you know, after many years of, of building this brand, when, when opportunity came for us to join a church plant in Uganda, uh, we found ourselves free to go, uh, self-supported. Uh, we were no longer tied to a location.

Um, so, so in a sense, as a builder, when, when you build Urban Sheds in your city, uh, you're not just changing your own neighborhood, you're actually part of something that reaches around the globe, you know, not, not as a donor, but as an integrated part of your business life as a builder.

So, so if you're for, so if you're a craftsman or in a, in a city, you know, it keeps calling your name, it's like you have, you have two options. In the first one, it's like you don't go, you know, the city stays the same, you know, it doesn't benefit from your work, it doesn't benefit from your presence or your values, you know, life is comfortable, it's safe. And, and maybe somewhere beneath the surface, you have this feeling that life is smaller than it could have been. And in the second one, you choose to go, uh, there's uncertainty. Um, it's hard at first, but on the other side can be the full life that I described at the start, you know, a thriving, diverse community, you know, connections throughout the city, you know, maybe a refugee family will sit at your table, have a house full of friends and visitors and the freedom to live your calling.

So if you choose to go, there's, there's no reason to do it alone, you know, or to start from scratch. You know, others have gone before and blazed, and blazed this trail. You know, now there's the existing Urban Sheds framework to plug into or, or even like Brian Martin's Extend Cafe. Um, there's frameworks available, so, so you don't need to spend like the first years, uh, in survival mode.

Those first years can be, can be very difficult. But what you'll learn is that the people who went through the hard beginning with you will be among the deepest relationships of your life. And you can't buy that. You can't, you can't like manufacture it. You, you can only like, in a sense, forge it by intentionally stepping into the unknown. So, so somewhere there's a city that needs, needs your work, that needs your presence. You know, there's a lot of bad business that happens in cities. And it's like your presence can bring the light. And, and you can go and you may know not, not when you're ready because, because in a sense, you know, no one is truly ready.

You know, not when the finances make sense because you could lose everything tomorrow. You know, not when the timing's perfect because, you know, what, what do we know about God's timing? But, but if you're a craftsman and you feel the call, you know, toward a certain city, uh, just feel free to reach out to me and I'd love to tell you a lot more about Urban Sheds and, and see if it's a good fit for you and, and, uh, and where you're headed. So yeah, you can, you can email me or whatever. Jeremy. Urban-sheds.com is, uh, is my email address. So feel free to reach out. That's all I have. All right. Thank you so much.

And, um, I'm not that familiar with Urban Sheds, but I've seen some of your, your website, some of your advertising, uh, and it's well, well done. And so what you're saying is, let's say I want to move to Denver, Colorado, and, um, I, I don't, I don't want to act like a craftsman because I'm, I'm not, but let's say I am. Um, and, and you would, you would then help me, um, buy your marketing in that, in that city. Could you talk to us just for a moment? What, what is that? How do you do that? Like, how do you, how do you get in there for those of us who are not tech savvy?

Yeah. Yeah. So usually the big thing is, is just becoming known. If you're not known, you're just, you know, competing on price with people on Craigslist and so on. So, um, so basically we have the brand, we have the website, we have all the, the shed designs, the, you know, the structures, the blueprints and kind of the authority that's kind of been established behind Urban Sheds brand. It's like a national brand.

So we, so we come in and we partner with you. So basically you become like an Urban Sheds builder. Um, and so, and then we start advertising in your area, you know, we run Google Ads, um, all that kind of thing and become, you know, and the people start reaching out, they come to the website, they can design their shed on the website. Um, and then those leads go to the builders, um, which they can, you know, they can go out and sell them and, you know, sell for twice the amount that they could sell if they didn't, you know, have the brand. So, yeah. Neat, neat. And I've heard you talk about how, you know, you can, you can fit out a, a vehicle with all the tools you need and go right on site and, and build these sheds.

Neat, neat idea. And I've seen you built some really neat stuff too, uh, you and your, your builders. So yeah, thank you, uh, Jeremy, for, for sharing that. Uh, and also thank you for your story, uh, of, of how, um, there's always, that's, that's powerful and the, some of the kind of through those hard, hard things out of that can come some really creative things. And that's definitely the story behind Urban Sheds. So thank you for, for joining us and sharing here. All right. Next, uh, we're going to be, uh, turning to Merle Hur with Anabaptist Brotherhood, um, which seeks to revitalize and simplify the historical practice of medical aid by combining medical cost sharing with OMS support.

They help members with complex medical billing issues and financial structures necessary to support churches and members on the front lines. Merle is married to Amy and they have five children. He's a co-founder of various nonprofits, including Anabaptist Financial, Stewardship Resources, Open Hands, Anabaptist Savings and Loans International, and Anabaptist Brotherhood. He also owns a business and, and is partnered in a business called Ag Salt Processing. Merle, it's good to have you here with us. Um, our, our family just in this week, uh, got, um, got accepted as a member of Anabaptist Brotherhood. It's something I've looked into, our church looked into, and we're excited to be part of that. Um, so yes, this is a big idea, uh, that's going to take, uh, I can't, I'm not sure how you can boil it down in 15 minutes, but, um, there you go.

We'll, we'll, we'll look forward to hearing what you have to say. Go ahead. Yeah. So it's good to be with you all and I'll interact, uh, with you is a little like Jeremy did. So we're not gonna have a content dump here. We're gonna have more of a story, uh, because, uh, well, maybe because our organization is so young, maybe we don't know what we're doing and we don't have all the graphs and charts here yet. We're in startup mode, you might say. But anyhow, I just want it to be more conversational, uh, and, uh, we'll, we'll, yeah, we'll try to, we will keep it within the 15 minutes. Maybe we'll, we'll even, even go closer to 12 here.

But let me just start with, uh, uh, in, uh, 2023 there, I wound down my commitments to, uh, Anabaptist Financial. Uh, and yes, had the privilege there of leading, leading Clyde, uh, in the business coaching there the last couple of years, getting to know him and, and took a year sabbatical and, uh, literally, literally settled my front porch, disciplined myself to sit on the front porch with nothing to do for weeks and months on end and trying to, um, trying to, you know, do rest, to do a, do a sabbatical, you call it in nonprofit world. But, uh, uh, and, and in that, uh, uh, my, my dad passed away and that, that helped shut down my world a little bit too and, and you kind of stop things and, and cause reflection.

Uh, but, uh, uh, I was taking a three-month sabbatical and, uh, and at the end of three months, it decided I needed a six-month because I didn't know where I was gonna go with my life. Uh, and, and of course I mentioned my dad died and, and then, uh, at that, the six-month point, life kind of got a little, a little dark. It's like, well, maybe, you know, I am 60, so maybe it's just time to, you know, uh, throw in the towel and just, uh, you know, call it, call it quits. But I didn't think, you know, I'm too much of a steward, uh, you know, to believe that, uh, I'm done. But it kind of felt that way.

And, and one of my mentors, Merle Borkholder, I reached out to him. I said, what do you think here? Uh, I'm kind of feeling like I don't know where to go with my life. And, uh, maybe I should go back and just join Clyde, you know, being a coach. Uh, that was, that'd be the easiest thing to do. Uh, I'd let him, but it probably, you know, I wasn't sure if they even knew how to coach Clyde, uh, you know.

But, uh, uh, you know, I did it, did it on the side, of course. But, uh, anyhow, Merle Borkholder said something pretty profound and it relates to your, your, uh, quote, Brian, on your website where you said, uh, who was it? Uh, forget your quote, but, uh, vocation or calling, uh, intersects when the need of the world lines up with your talent. Something pretty close. Where your talents and needs of the world cross, there lies your vocation. Yeah. There lies your vocation. I want to add something. Providing you're willing.

You know, you know, uh, uh, Steve Jobs was known, uh, you know, to popularize the, the quote, uh, do what you love. It's Stanford address, you know, before he died. You know, do, do, do what you wanted to do, what you love. And of course, you know, do what you're good at is, is, you know. And then the third one is kind of the, you gotta add the Anabaptist mix. Do, you know, do, do, do, do what you're called to do, what needs done. It's a, it's a willingness factor. Okay. Do what you love, do what you're good at, do what needs done. Well, anyhow, Merle Borkholder told me this when I was wondering maybe, you know, maybe I should just retire.

He said, no, no, no, no, no. He's 70, you know, and of course he, he, God's not letting him retire. And, uh, he, he, he's, he's coached me throughout my life and he said this, he said, Merle, look for one thing, one thing yet in your 60s that, that the Anabaptist community needs that's hard for you to do.

Hard for you. And I was on sabbatical and I'd forgot what hard felt like. I was sitting on my front porch, right? I mean, it was like, you know, finally, you know, easy, whatever, resting, uh, recreating. But anyhow, that, uh, he didn't realize that that was going to be the words that, uh, the Lord used when, when the Brotherhood vision here opened up within a month of those words.

And, uh, the medical industry was staring me down, uh, in one sense, uh, a, a huge problem to be solved. And, and I went to the, uh, I'm not willing to, I'm not willing, Lord, I'm not willing. That's too hard. It is an unsolvable problem.

And, uh, but right there for your quote, Brian, uh, the years of entrepreneurship, uh, uh, it was kind of like, you know, here am I, send me eventually. Uh, so here's a problem, brothers. Would you believe it if, if I told you, and this is my research, okay, after, after a year and a half in the industry of the medical, the medical industry, that we as Anabaptists are throwing away, Clyde, are you ready? You're talking pennies around the world, right?

A dollar or two or three is meaningful. We as a people group are throwing away, this is a conservative number, 20 million a year.

20 million a year. That's conservative. The, uh, the financial spend across the United States among Anabaptists is as close as I can tell around 400 million. Okay. And again, that's, it's, it's an intuitive number. Okay. Doing research of all the sharing plans that I'm aware of, uh, roughly around 400 million a year. And except for the two pockets of, uh, Northern Indiana and, uh, Holmes County, Ohio, uh, we're, we're, we're paying for medical, uh, services without any cost controls.

There's two communities and, and it's the Amish communities have, uh, innovated a solution to the problem. And when I discovered it, I, I told them the two groups, Plain Group Community, Plain Group, Plain Church Group Ministries out of Goshen and, uh, Ohio Medical Aid Services in Holmes County. I said, I said, when I got to know the two organizations, I said, do you realize you got actually a secret here? I said, a secret? We're not keeping any secrets. So I said, yeah. I said, I said, I don't have a clue what you're doing.

And they are doing their quiet thing, uh, in, in their Amish way. But they've, they innovated something about eight years ago that is, is a breakthrough to, to, to cost controls, uh, as it relates to medical expenses. Uh, anyhow, they, they've just been a godsend. And really, Anabaptist Brotherhood is a, is a, they wouldn't say it this way. I'll say it a copy and paste, okay, computer language, uh, of, of what they shared with me and, uh, and bringing it to making and making it scale up nationally, uh, due to their lack of technology. They keep it within the, you know, a, a 50-mile circle because they can't scale it up. Uh, but their idea is scalable.

Uh, and so essentially, uh, I'm really just borrowing from someone else's, uh, innovation. And, uh, this is not just mine. Uh, it's just, it's, it's, it's, it's others who've really shared it with me. Uh, this is a new industry to me. So I'm, I'm learning as we go here. Uh, so that's the, the, you know, when you think of stewardship and, and, and, you know, our, our, our, our treasures in, in heaven, um, this, this, this problem, uh, you know, calls, this problem calls deep that we're so wealthy, we can throw away this money. And it's not like we're throwing away. It's just we can't solve the problem.

Okay. It, it literally feels in, in solvable. And so, uh, you know, I'm not going to give the content of what Brotherhood's doing here. Uh, Glenn, uh, mentioned he could throw up the website there if he wants to. Uh, but all our content is there, anabaptistbrotherhood.org. But essentially we're doing two things. Uh, and the one's not even public yet. Uh, but we have our, our, uh, medical aid and OMS program. Brian mentioned it there. That's on the website. Uh, and that's, uh, you know, currently we're reaching about 120, 30 churches with 500 members. Uh, and we're only into it 11 months. We launched in May, uh, 2025, uh, growing somewhat rapidly, 50, 50 households a month here.

And, uh, and that we're, and we are, we're built, we're built to, uh, to go to, to scale nationally. Uh, but the, uh, the, maybe the, the, the big idea here in terms of being stewards and saving these dollars that we're throwing away is, is, is, it's very complex, but I'm gonna simplify it for you all. Uh, we're all familiar and even who was it there? Uh, Jeremy, you, you, you mentioned your, uh, your preemie there and just the felt reality of what happened. Uh, uh, what, uh, and just in a nutshell, hospitals charge and determine their pricing from what's called charge masters. Okay. And a couple of years ago they were required to, uh, to go public with them.

Uh, you understand that the whole hospital's pricing system is opaque and veiled and hidden. And of course, uh, it's not a mistake that, um, RFJ Jr., when, uh, RFJK Jr., when he took the baton from Trump and as, uh, the leader of Health and Human Services, his opening comment was, we need, America needs a radical revolution of transparency.

And, and he nailed it, uh, as a national leader. And so the government is aware of this problem, but essentially, uh, charge masters are priced, the, the list price for any, any, any hospital services is roughly 900 to a thousand percent above their cost.

And then, uh, we all pay self-pay. So we're all uninsured except for maybe those companies that, that use insurance for their 50 employees and, and larger. When they offer you a 50% discount, uh, you, you feel good about it emotionally.

But you, any businessman that can do math from 900% to a thousand percent and you're offered a 50% discount, you, you see, you know, their profits are making yet. Last time I drove into Pittsburgh, those of you that, uh, know Western Pennsylvania, the two, the two tallest buildings is who? Yeah, it's the medical industry, UPMC and their cohort, Highmark, their insurance buddy.

There's excessive profits in healthcare. Uh, and they're, they're bleeding us not to death because we're wealthy. We can handle it. We can bleed all day long at 20 million a year as a people group. And, uh, we don't think anything of it unless those of you like Jeremy's that get hit with the big bill.

Um, anyhow, Brotherhood is, is attempting to solve this through what's called reference-based pricing instead of discount pricing. Discount would be discount down from the charge master. Um, and, uh, deceptive, uh, over, overpaid billing, uh, medical bills were, uh, we're borrowing from what the Amish have figured out. And that is reference-based pricing. They didn't design it. Actually, it was, uh, the reference-based pricing was invented in, uh, 2011, 12 from the self-insured industry. It's not an insurance product at all, but it's a, a, uh, it's a, um, industry standard way to determine medical pricing. Anyhow, it's very, it's a bit complex. Won't go into it, uh, other than to say that on our first million, we're about at a million of medical expenses.

We're averaging around 80% down from charge masters. We don't use charge masters. We ignore them, uh, because they're deceptive, but we do track it because everybody thinks from charge master down, we're averaging about 80%. Uh, when the self-pay discount typically is in the 50% range, sometimes 60. Some hospitals do, do, uh, do offer 80, uh, but we're averaging around 80%. Anyhow, that's, uh, our, uh, that's our first offering, uh, our what we call medical aid and OMS plan. But our biggest, uh, offering is going to, it's not even published yet, but I want to just talk about it here just for a minute and then I'm done, Brian. And that is, Brian, that is, uh, we're really gonna, we're doing something similar to that Jeremy's doing for the shed industry and actually Brian's doing for his coffee business.

And, uh, that is, uh, both of them are really doing what I call build, uh, building an infrastructure, a platform company for others to, uh, to operate within and on. And Brotherhood is designing what we call a medical, uh, a, a bill management service for other sharing plans to utilize our technology and, uh, maintain their own sharing plan. They don't have to join Brotherhood's medical aid and OMS. Uh, we're getting requests for this and we're doing a pilot program with the Amish Mennonite, uh, Church Aid, the Beachies from the Lancaster churches. 17 churches have been sharing for 30 years. Uh, it was their idea and their request to us wondering if they, we could potentially provide a third-party service.

And that was a year ago. We launched it in January. It's going really well. It's going to, we're going to run it this full year to, uh, test ride it. But essentially we're going to use, we're using all the, uh, technology and the reference-based approach with, uh, other sharing plans and, and bring, you know, their price into, uh, into line and, uh, and, and, and be able to empower other sharing plans to, to use the same methodology we're using to, to manage medical pricing. And it's clear that that's, that's going to be our bigger ministry. And actually I'm, I'm more excited about that than our own plan because, uh, you know, a small set of churches can share among themselves and maintain their identity and avoid the bigness of a, of a plan that's nationwide.

Uh, anyhow, that's, uh, you're not going to find much information about that on our website because, uh, it's under, uh, it's not under wraps. It's, it's public, but, uh, we won't launch it till sometime in '27 when we have our software built to, uh, be able to do third-party services. So there we go. That's, uh, the, why don't we just wrap it up there and, uh, just do Q and A with, uh, with the rest of the group.

Thank you, Merle. So one of the things that stood out to me, um, you know, when I asked you, uh, why you created it or one of your drivers behind this, and you shared how there was a, a child with physical disabilities in your congregation and your, it was some pretty significant hospital bills and your church was not able to help with that. And so they went to the government aid.

And obviously that's happening across many, many, uh, churches, um, because some of these things are out of control. We just have no tools and know how to engage with it. You know, we have a brother in our church who's a hemophiliac. Um, you know, I think a shot is $10,000. Um, happens a couple of times a year. Um, if he doesn't, you know, if he doesn't do that, he'll bleed to death. And, you know, there's sharing plans within our ecosystem that won't take them because of pre-existing conditions. And so that's one of your drivers as well. There's, we can handle this, um, yeah, um, if we work together. And so, um, yeah, I, I've, I've really resonated with your vision or the, the burden to, uh, with that.

So, um, of course, you know, there's also the, the challenge of some people are on social security, some people are not within churches, you know, how do you work that? And, uh, this is really meant to work with all those people. Um, but you are also creating teaching around the idea of, of, of, of, of helping our own, um, and increasing that, that vision as well. And so I, I appreciate that. I think you're coming out with like a curriculum or kind of a set teaching on that, um, of, of the, that burden of, of churches working together to support your own, especially those, you know, widows, uh, children with handicaps. So yeah, so thank you for, for sharing.

Um, okay. So what we're going to do right now, uh, we want to wrap this up in about, um, 10 minutes if possible. Uh, but let's just go ahead and open up. Uh, any, if you have a question, please bring it to the table here promptly. Uh, and you can direct it to any, any four of these brothers. Okay. Well, um, thank you.

Uh, Stephen, I saw you unmute there. You can go ahead. Yeah. I, I was really inspired by your talk there, Jeremy. Uh, I was wondering if we can get you to come to Urban.

Maybe. Yeah. I'm living in Uganda, so it's a little bit of a, yeah, it's not real close, but I'd be open to the idea.

We could, we could have a table for him there at least. And then, uh, have you Zoomed in virtual, virtual in this kid, um, but that'd be great to have you, have you come. Mm-hmm. Okay. Any other questions?

It's good to hear from you, Merle. Um, yeah, as you do so well, find the problem and find solutions and innovate and wonder what could be if those resources were redirected to the kingdom. Not that maybe healthcare workers don't need compensated well and what they do, but having served on a board of a small community hospital for, I don't know, 15 years and seeing healthcare from the secular side and working with AF clients in the medical space, it, it is complex, as you said that frequently. But yeah, thank you for what you're doing.

Also really appreciate it. The other brother's talks there. Thank you.

Well, Clyde, you know what technology can do. We'll use the use of the various stories you're coming through, the use of technology to, to be stewards and to reach the market. Um, there's, that's really, we're really leveraging technology anywhere from a pharmacy benefit contract that I don't know a sharing plan across the baptism that's actually even entered that space. Uh, but it's, it's, it's advanced. It's whatever. I, I need the Clyde on my team to even help me navigate the technology challenges of, uh, developing a contract. What a, but, but this, if we just ignore the technology advantages, we're just, we're not being stewards.

And so, uh, anyhow, uh, you know that well, you've, you've got some business models out there, I think, and, uh, it's maximized technology and of course salt does as well.

I have a question on the 4029 exemptions. What's your perspective on, on that? Do you see one as being, maybe I'm getting to some controversy here, but what do you see as being the biblical approach, the 4029 exemption or, or just paying into social security and then collecting the benefits there?

Yeah. Well, that's a, you know, that's a can of worms, isn't it? But, uh, the 4029 and the social security exemption is something we're tackling because of lack of education and misuse, uh, across, um, Anabaptism and 'cause it has a, a very deep intersection across medical and OMS aid.

Uh, and so, uh, you know, we're holding, uh, at a, at a quick glance, it looks like we're pro, uh, exemption. Okay. If you get on our website, it's one of our five pillars. Uh, but the truth is we're even handed about it because as Anabaptist, we have embraced that. This is a general comment now as an issue of diversity.

Okay. Almost in every church, you're going to have some exempt and some on social security. And, and there's a few churches who have went, you know, extreme one way or the other, but Brotherhood is, uh, is committed to fostering that diversity and a spirit of unity and creating economic fairness and equity between, uh, both lanes of the road. Okay.

Uh, and yes, there's a ton of problems to solve around the exemption. So the exemption is, is significant, has significant infrastructural problems. So Brian mentioned that, uh, I tell the story of, of, um, of, uh, little boy in, in, in, in our church that's, that's disabled. He's little, but he's 25 years old and, uh, the same as a same story just down the street at the Beachy Church where both were exempt and it crushed their family 'cause they had a disabled child and they both revoked and went on Medicaid.

That's an infrastructure problem. That's not a personal family problem.

That can be fixed, but it's a hard fix and it doesn't get fixed unless an organization fixes it. No family, no church can fix this infrastructural flaw of Anabaptism and their navigation with the exemption. So, and, and we've exasperated the problem by developing medical plans over the last 30 years to deal with the 800-pound medical gorilla. Now you hear what I just said? We've exasperated the problem with the disabled by building medical organizations without associated OMS plans.

Meaning we've addressed medical problems with the advent of medical organizations, but OMS, which is widows, disability, and low income, have been left behind. And those people, not with medical bills, but with disability problems, tend to navigate or go back to the government as their, uh, for their OMS plan, which is called Medicaid. And Brotherhood has, has tried to correct that. We've got to live it out, see if it's going to work. But in design, in architectural design, we've solved, we think we've got to prove it, the, the, the problems associated with the exemption.

And I don't know if I'm answering the question, but I went high level there. Um, let me pause.

Does that answer the question? Uh, that's good. I was just curious what your perspective is on that. I feel like something our people need some more teaching on. When you were talking about teaching, I thought maybe that's something you're trying to address.

But we are the teaching, but you know, we, we come to believe by practice. We're not, we don't tend to be intellectuals and we got to correct our practice. And yes, we, we do need the teaching, but we got to correct our practice through, through an infrastructural innovation. Okay. This is, this is not a little fix that a family can decide to make something work.

Thank you. Mm-hmm. Yeah. Thank you, Merle. And, uh, you are, you know, they do give talks in churches and stuff like that. Um, and so that could, if you're interested in learning more, you can reach out to Anabaptist Brotherhood. Okay. Well, thank you for all your questions and input. I know we could probably continue on here for quite a little while, but it is 7:30 and, um, I need to be at work shortly and Glenn left as the moderator, so I'm the last one to wrap up here. So I'll, I'll need to shut the meeting down. Um, so thank you everyone for joining here. It's been inspiring and, uh, may we continue to be faithful stewards doing it humbly and for God's glory.

Um, Lord willing, in, in two weeks, we'll be back here, uh, for a talk titled The Kingdom in the Context of the Whole Scripture by Paul Lamasella. So again, thank you for joining and let's see, we typically like to close this with prayer. Merle, could you just close this time, please, with prayer?

Yes, Lord, uh, we feel your presence in our lives and, uh, we want to walk, uh, the, the, walk the, walk the, uh, the talk, uh, and make our, our, uh, our work and lives flow from, from your talk, your, your scriptures, your word, the word of the Lord. And bless, uh, uh, bless us, Lord, uh, the four ministries here, uh, that, uh, have been, uh, uh, just, uh, presented. Uh, bless our ministries and, uh, may we be, uh, uh, well in, uh, Clyde's, uh, ministry word, salt and light to the world. Mm-hmm. Salt and light to, uh, welcome others to, to your kingdom. We pray for this in your name. Amen.

Amen. Okay. Thank you for joining and God bless your day. As iron sharpens iron, so a man sharpens the countenance of his friend.