(This is a slightly modified talk I gave at church a few years ago…)
In 1997 we just finished building our dream home on five acres. We then took three years to put in an acre of lawn and landscaping with pavers, sprinkler systems, and much more. It took all of our vacation time and all of our discretional income just to grow it and maintain it.
After living in our dream home for a while, within a few days of each other, TerriLu and I independently had the strongest impression that we needed to sell our dream home and downsize. The spiritual prompting was so powerful that we never questioned it.
Three years after building our dream house, we moved out. Our square footage dropped in half, our five acres dropped to a fourth of an acre, but most importantly our house payment dropped by more than one half and became a very comfortable and small percentage of our income and it was on a fifteen-year loan instead of thirty.
With what was coming ahead of us, we never would have survived if we had still been in our dream home. There was a light at the end of the tunnel. Unfortunately, it was the headlight of an oncoming train.
Joseph in Egypt told Pharaoh there would be exactly seven years of plenty and then exactly seven years of famine (Gen. 41:1-45). We had no warning that we would have three years of plenty and so far eight years of famine with a lifetime of famine ahead of us. These days, we don’t have our own personal “Joseph” to tell us exactly when our personal or family years of plenty will start and end and when our personal or family famine will start and end. We do have prophets who have spoken on a broad level that these are turbulent times and we need to prepare in many ways to be more Self-Reliant.
The prophets speak to and warn the church collectively and generally, but it is usually a spiritual prompting that addresses anything at the individual or family level. These promptings do not usually come with all the details about what will happen—they usually just prompt you to do something. We had no detailed warning that years of famine were just around the corner, but the prompting gave us three years to prepare—for what, we didn’t know. We just followed the promptings.
So what happened in 2002? My pituitary gland stopped functioning. That sounds fairly benign, doesn’t it? I mean, it’s just a small hormone gland carefully protected in the center of the head. How big of a problem could that be, right?
Actually, it’s a very big problem. It’s called panhypopituitarism meaning complete loss of function of the pituitary gland. It is quite rare—statistically based on the Treasure Valley population there should be 3½ people with panhypopituitarism. I haven’t met any of the others but I would actually like to meet the half person. Actually, I might be the half person…
The pituitary gland is called the “master” gland because it pretty much tells all the major hormone glands in the body what to do and when to do it.
That may not sound like much, but when your pituitary gland shuts down, your entire endocrine system or hormone system pretty much shuts down. When that happens, a boatload of awful symptoms strike the body. These symptoms taken individually wouldn’t be too bad, but together they are devastating. They include fatigue, hot flashes, weakness, muscle spasms, muscle pain, muscle loss, joint pain, joint stiffness, flu-like symptoms, body aches, cold sweats, night sweats, weight gain, dizziness, depression, intolerance to cold, mood swings, loss of body hair, decreased taste and smell, nausea, slow speech, shortened stature, drowsiness, to name about half. Imagine your worst day you have ever had with the flu or other sickness, multiply that times ten, and that’s a good day for someone with a dead pituitary gland and it goes on 24×7. Some days you feel liking dying and you would if the Lord were taking volunteers. It feels like an out-of-body experience: you’re in some strange body and nothing works right. Hormones are not only vital to have a properly functioning body, but they are also crucial to staying alive.
Needless to say, I have tremendous sympathy and empathy for women and all the hormone adjustments they deal with in life.
I have had panhypopituitarism since 2002 and most likely will have it for life. It took almost a year for the doctors to figure it out. And when they did, we began the long, tedious process of trying to bring my hormones back up to approximate appropriate levels without upsetting the body too quickly.
A critical hormone is the corticosteroid secreted by the adrenal glands that sit atop the kidneys. One thing the corticosteroids do is help your body deal with stress, whether it is physical, mental, or emotional stress. In a normal body under stress, the adrenal glands release the right amount of the steroids into the body at just the right time. In my case I take a tablet in the morning to hopefully hit an average amount for the day. Then my body doesn’t deal well with any extra physical, mental, or emotional stress during the day because my adrenals aren’t producing corticosteroids during stressful periods.
With severe stress on the body, such as in a car crash or during surgery, the doctors must load me up with corticosteroids, or I will likely die on the table, not from the crash or the surgery but because my body can’t deal with the stress without massive amounts of corticosteroids.
The disease has impacted other areas of my body, including the bones and joints. Working in harmony with my degenerative-disc disease, the disease has nearly crushed my low back. I had one back surgery with six laminectomies and a second back surgery to fuse three vertebrae together with metal and bone and I think some duct tape and chicken wire. A second back surgery fused a couple more discs. I also have a nerve stimulator implant in my low back which is like sitting constantly on an electric fence.
Then they found I have sleep apnea. Then I had gallbladder surgery and a pesky parasite in my stomach that Dr. Livingston blasted away with the heavy-duty medications. I also suffer from forgetfulness—I can’t remember what I’ve told someone already. I also suffer from forgetfulness—I can’t remember what I’ve told someone already. I also have developed mental lapses, exhaustion, gastritis, high-blood pressure, and Schaumburg Disease which is poor circulation in the legs.
So today that’s who and what I am medically, physically, emotionally, and mentally, but at least not spiritually.
In the beginning I was too weak and exhausted to even make it to church. The rumor was that I was inactive and on drugs, which is in fact a fairly accurate description. As I slowly got better, I started coming to Sacrament meeting only, where I could hold up for an hour and fifteen minutes. As I got stronger I stayed longer.
Today I’m fairly stable. The problems are still all there—but many of the symptoms have stabilized.
I have my very own miniature pharmacy at home as every day I take fourteen different prescription medications plus a pile of vitamins:
At four prescribed times of the day I swallow a handful of pills. I have so many prescriptions that everybody at the Albertson’s pharmacy knows me by my first and last name. Before changing all my meds to a mail-order pharmacy, I think I was their single biggest customer. They even recognize my voice on the phone. That’s a bad sign when the entire pharmacy staff knows you that well.
I have one frustration. Because I’m not wearing a cast and I don’t have any visible scars and I don’t have crutches or a walker or wheelchair or anything, people don’t understand that I have these very horrible things going on inside of me, chemically, mentally, and emotionally. I only have energy to put up a good front at this intensity for so long and then I go home and crash. People usually look at me and think, “Well, he looks okay to me. He can’t be that bad off.”
I know I look okay. In fact, I should point out that I am really handsome. And I have to point out my handsomeness because if I don’t, nobody seems to notice. Even when I do point it out they still say, “Well, um, sorry, I just don’t see it.” The only people who do actually see how handsome I am are my wife, those at least one hundred yards away, and those who up close are not wearing their glasses. So just remove your eye glasses and you’ll see how much better looking I am.
I’ve shared my recent medical history, not looking for sympathy, but to give you a clear picture of our last eight years and how they relate to Self-Reliance. In just being here, I serve as my own visual aid.
Some of you may wonder how I can speak so openly about these things. I tell you, any pride on my part was vaporized in the explosion when the hormones blew up. Also, I am speaking of these things because they are real and they could happen to you and your family. Are you prepared?
Eight years ago I think we thought that we were living all the principles of Self-Reliance and Provident Living. In fact, if you had asked shortly before the illness hit, we would have said, “Yes, we are all set. We are well prepared.” And we were in many ways. However, we could have been a lot more prepared for this affliction affecting my health and my employment!
I was placed on full medical disability which dropped our income by 25%. How grateful we are that we paid those disability insurance premiums or we would have had nothing. At the same time our out-of-pocket medical bills escalated quickly to an average of just under $25,000 per year for eight years now. Just my co-pay on all those prescriptions is around $5,000 a year.
So how did we cope with all this? At first, not very well. All of these things hit so hard and so fast and with such deadly accuracy at all the key stressors physically, mentally, chemically, and emotionally, that we didn’t cope very well. At first I was so sick and weak and exhausted that I couldn’t do anything except get in the car and go to doctor appointments and for medical tests.
Employment: I worked at HP for twenty-one years. I expected to work forty years for HP.
An unexpected and unplanned illness got in the way of that goal. I first went on disability for six months and HP promised me the same or similar job when I came back. Well, when I returned, they couldn’t find the same or a similar job so they put me in a really different job and with my disability, for the first time in my career, I failed miserably.
Eight months into the failing job I was put back on fulltime disability. A year later I got a nice letter from the company saying they were terminating their association with me, taking my name off the database, and in fact did not guarantee any job whatsoever, if and when I might return to work. …Oh, and have a nice day.
Resource Management: How did we cope with the financial side of things? Well, we managed our resources by burning right through them. We used our savings. We sold all of our stock. We refinanced the house. And we borrowed $32,000 on a loan out of our retirement. We sold my nice four-wheel drive truck and I started driving the old teenage clunker, a giant Ford LTD Crown Victoria that was approximately the size and weight of a barge. But it ran better than I did, and it was more reliable and dependable than I was—at one point the family considered trading me in for a second one.
We also sold the motorcycles. TerriLu got a job. We stopped eating at restaurants, and I love Italian, and Mexican, and Chinese food, and pizza. We even stopped going to fast-food places which I also really love. We stopped buying junk food with no nutritional value, and I love junk food with no nutritional value. It’s one of my leading qualities.
Once when TerriLu was sick I had to do the grocery shopping. When I got all my groceries on the conveyer belt, the checker said, “Having a party?” With a confused look on my face, I asked, “No, I’m buying groceries. Why do you think that?” And the checker slowly looked over at the potato chips, nachos, Fritos, refried-bean dip, soda pop, ice cream, chocolate sauce, hot fudge, butterscotch, caramel, peanuts, popcorn, and red licorice vines, and said, “Uh, no reason.” And TerriLu responded the same way when I got home. So I’m not allowed to do any grocery shopping anymore, unless under the direct supervision of a mature adult.
In addition to nixing the junk food, we also stopped all entertainment that cost money: No going out to movies, no “going-out” on date nights, no vacations, no Lagoon, no Boondocks, no Po-Jo’s, no hockey games… nadda, nothing, zilch, zip. We pretty much cleared out all the fun. And we started living on Food Storage which is also not fun. The most fun we had was watching my legs twitch from the nerve damage in my back.
Speaking of Food Storage and Emergency Preparedness: Are you spending on unnecessary luxury items when you could be building up food storage? Are you spending on necessary items, like a car parked nicely in the garage but only the model with all the bells and whistles. Instead you could be converting at least the bells and whistles into wheat and beans stored nicely in the garage. How prepared are you for a small local emergency, or for a large personal or family emergency?
For eight years my wife has lived with and cared for a living, breathing medical nightmare. For a long time we had many doctor appointments every week. One week we had eleven appointments —usually it was six to eight. I couldn’t drive so TerriLu had to haul me around everywhere to doctors and to do blood tests and MRIs and x-rays and CT scans and to get giant needles stuck in my back and arms and other tests.
In the beginning when my body had more estrogen than testosterone, TerriLu would often find me sobbing, on the floor, under the desk, in a fetal position. She has truly been an angel with tremendous patience. I cannot say enough about her endurance and her love and her compassion through everything.
Men, I would ask you, “Are you as caring and kind and patient as you could be when your wife’s hormones are out of whack, whether it is due to pregnancy, PMS, periods, menopause, or anything else.” If you are not, you better learn to be. Since my Machoectomy, that is, losing my hormones, I have much greater empathy for the ups and downs of women’s hormones.
Someone asked us how this has affected us spiritually. We feel so blessed. Nothing important has changed for the worse. So what if we have a smaller house instead of a dream home. So what if we have a reduced income that will not increase with inflation. So what if I don’t drive a 4×4 pickup? So what if I don’t have the gymnast physique and health I had in high school. So what if in this life I’ll never be healthier than 75%? So what if my body is a decade or more older than my actual age. So what if we only have a fourth of an acre to take care of—wait, that’s actually a plus.
And of course, I still have my good looks—and some of you still haven’t taken off your glasses so you can see for yourself.
I testify that none of those things matter in the least degree. A few years ago I held my father’s hand as he passed away and the year before I held my mother’s hand as she passed away. I’m here to say, they took nothing of this world with them—not their house, not their cars, not their retirement, nadda, nothing, zilch, zip. Near the end, nothing in this world really mattered to them — it’s really just stuff anyway.
And if waiting for us are worlds without number, can anything of this world really matter?
My parents may not have taken anything of this world with them, but they had plenty of things already there waiting for them. It’s all the treasures in heaven they were building throughout their lives on earth, and oh, they built a lot of those treasures by loving and caring for, and helping others, through selfless service over many years.
What really matters, we still have. We still have kept all our covenants. We still are temple worthy. We still have our testimonies and in fact, they are even stronger because we have had to rely more on the Lord and that brings us closer to Him. We are still on the strait and narrow way and we’re still headed in the right direction. Even though my parents are gone, I am still sealed to them, and we feel them close from time to time. We still have our family, and whoa, twelve grandchildren!!!
Someone said that grandchildren are God’s gift for getting old. Someone else said, “The reason grandchildren and grandparents make such great allies, is because they share a common enemy.” I am so grateful that that is not the case in our family. We love are children just as much as the grandchildren – we just don’t spoil our children as much. My favorite bumper sticker is: If Mom OR Dad says No, Call 1-800-GRANDMA.
For the most part we have just learned to live life a little differently. It’s amazing what Self-Reliance adjustments we can endure when we have to. Over the last eight years we have actually learned to live happily with those adjustments.
So why have I told you all this? It’s not for your sympathy. It’s not because we’ve handled all these trials perfectly or that we are the poster-family for Self-Reliance. We are not!
I’ve shared this because it’s real and it could happen to you. It really could. We never expected it. We took both my health and my employment for granted. I had perfect health for forty-four years and always did great in any job. I had been a gymnast in high school, an athlete, I was healthy and strong. I could walk on my hands across the gymnasium floor — which always comes in handy when you have muddy shoes and a clean carpet. Obviously, from my “enhanced” girth I’m no longer an athlete…but I may still qualify on a technicality: I am on steroids, as I already mentioned.
In twenty-one years at Hewlett-Packard I was rarely too sick to work, or if I was sick, I worked right through it. I only missed work when I was recovering from surgeries and one time with bronchitis and the doctor made me stay home to recover. I had boundless energy to complete any project. I worked all nighters. I traveled all over North America and Europe.
And suddenly that all changed—it came to a grinding, screeching halt. I couldn’t do any of it. I could barely make toast in the morning without crying.
And so I ask, “Are you ready, just in case something happens to your health or to your employment or both?”
Are you applying the principles of the Self-Reliance now so you are ready then? When the hurricane hits, it’s a little late to board up the windows.
Provident Living is not just having several barrels of wheat in your garage and a 72-hour kit containing a spare T-shirt with a couple of granola bars. I’m asking much more than that…
I’m asking: Are you living on less than you earn, or do you spend everything you earn and borrow more? Do you have savings equal to six months’ pay? Do you have resources to draw from, such as investments, stock, real estate, and more?
Is your house payment considerably lower than the limits allowed by banks or are you maxed out? Are your cars completely paid for or do you have large loans on luxury vehicles? Do you have money for fun that could actually pay off those school loans sooner? Do you pay your credit cards in full each month or is there a balance carried over? Have you gotten a second mortgage to buy expensive toys or to go on a nice vacation? Do you have a supply of food to feed your entire family for a year? For that matter, can you make anything with plain, raw wheat? More precisely, can you make anything with wheat that your family can and will actually eat? It’s kind of late to build the ark when the rain starts falling.
If you have all of the above in place and under control with plenty of cushion, that is wonderful and I am thrilled for you. But if you are not so safe and don’t have much cushion, then you may need to think more about Self-Reliance and Provident Living principles.
Do you feel at all overextended? Do you feel pressure at work or at home? Are you stressed out? If you are stressed out, at least you now know from our inspired discussion on the adrenal glands that they release natural corticosteroids to help you deal with the stress…but the corticosteroids won’t pay the bills. And the bills may be causing much of the stress you feel.
Even in our downsized condition, we still haven’t completely made it. We are still working through many things. But by following those original spiritual promptings, we at least have our heads above water, still in the rapids, on some days, of course, but above water.
In a conference talk in October 2004, Elder Joseph B. Wirthlin said, “We should end our fixation on wealth. It is only a means to an end, which end should ultimately be the building up of the kingdom of God. I feel that some are so concerned about the type of car they drive, the expensive clothes they wear, or the size of their house in comparison to others that they lose sight of the weightier matters.8 We must be careful in our daily lives that we do not allow the things of this world to take precedence over spiritual things.” (Joseph B. Wirthlin, Oct Conf 2004)
This venerable apostle is not saying it is bad or evil to be wealthy. He is just saying we need to have our priorities straight, and not be so focused on worldly things that we miss the more important spiritual things. And we need to be prepared to give it all up to the Lord, if required, unlike the rich man who approached the Savior and asked what he needed to do to enter the kingdom. The Savior recited several commandments and the man said, “All these things have I done from my youth up.” And the Savior said, “Yet lackest thou one thing: sell all that thou hast, and distribute unto the poor, and thou shalt have treasure in heaven: and come, follow me. And when he heard this, he was very sorrowful: for he was very rich.” (Luke 18:18-25, Mark 10:25).
Now, the Lord is not asking us to give it all away. But that’s a good question to ponder, “Would you, if the Lord or his prophet asked you to? Could you part with some things that you really, really like?” When my parents passed on, they left everything behind.
At a leadership training meeting in 2003, President Hinckley said, “We are living in difficult times…. We do not know what is just over the horizon. We do not know what the economy is going to do…. There is a great deal of unemployment…. I see a great imprudence on the part of so many of our people, saddling themselves with debt, homes that are costly, automobiles that have to have all the bells and whistles….and credit card debt…. I don’t what to cry calamity. I want to speak of wisdom and restraint and discipline and…encourage our people to be modest in their expenditures.” (President Gordon B. Hinckley, from leadership training meeting, Spanish Fork Utah Regional Conference, February 15, 2003, Church News, week ending May 7, 2005, page 2).
The easiest financial plan I know of is: Starting at the earliest age, preferably by 25 and continuing until retirement, put 10% into tithing, 10% into retirement, 10% into savings, a percentage into fast offerings, temple building, missionary work, humanitarian, and Perpetual Education. And then you can just about blow the rest on taxes, big homes, fancy cars, nice vacations, and anything you want. You will become wealthy!
And if you want to build up extra treasures in heaven with some of your wealth on earth, increase the extra percentage to the Lord’s kingdom on earth and find ways in the world to bless those who are less fortunate.
I am not here to judge you, I am not here to condemn you, and I am not saying that we have done anything extraordinary or special—we have not. We are just hanging in there.
I am here simply to raise your awareness of the combined voice of the First Presidency, the Quorum of the Twelve, the Presiding Bishopric, and the General Relief Society presidency, as outlined in the Church Provident Living principles. These are the words of prophets, seers, and revelators to all of us, generally as a people and as followers of Jesus Christ. Now, individually and with the Lord’s help in serious prayer, you must judge yourself and see where you fit in the Lord’s plan for Self-Reliance for our times.
Maybe everyone here is totally, precisely, exactly in perfect financial shape and your Provident Living situation is in perfect order. Wonderful! Then you really didn’t have to listen to all this, other than getting an insightful overview on the endocrine system.
If you are in that perfect financial condition, you can still benefit by prayerfully considering the other areas of Provident Living and also by teaching the principles to your children, even your adult children, and your grandchildren. Teach them, and this is important, not to run out and put today on credit cards what you have taken forty years to accumulate.
Maybe there is just one person or one family here today that is living financially on the edge or very close to the edge and the spirit will prompt you to make some critical changes, to make a few necessary adjustments in your Self-Reliance and Provident Living.
Maybe one person here is years or just months away from a medical fiasco or an employment upheaval and you will be prompted by the spirit to make some preparations, even though you may not have a clue what you are preparing for. But several years or months from now you will be grateful that you followed the prompting. It’s a little late to prepare once the tornado hits.
I hope and pray that you have a good, healthy, happy, wonderful life, but if something unexpected comes into your life, I hope and pray that you will be prepared through Self-Reliance and Provident Living, and still be happy, and keep your faith in the Lord.
Someone said, “Hope for the best, prepare for the worst, and take what comes.” I hope for the best for each of you, but I ask you to prepare for the worst, and I pray that you have the faith to take whatever comes.
I know that there are people who have had or now have debilitating illnesses and difficult times worse than what I have described in our home. My thoughts and prayers reach out to you. Every day I see at least one person who has life much worse than I have, and for whom I have the deepest sympathy and empathy. I realize each day how many blessings we have from the Lord.
I also hope and pray that you will listen for the spiritual promptings so you hear them or feel them, and even more importantly, that you follow them.
I testify that the Lord helps those who help themselves and that he wants us to do all in our power to care for ourselves through Self-Reliance.
The eternal treasures, the only lasting treasures, are the treasures we build in heaven, not the treasures of the world. You can have anything in this world with money, but money doesn’t buy a thing in heaven, and how much money you had on earth doesn’t matter in the least, except for how you used it to help build up the kingdom and bless others.
I testify that the real things that matter are making and keeping our covenants, staying temple worthy, strengthening our testimonies, blessing our families, staying on the path in the right direction, serving where we are called to serve in the kingdom, whether the calling be great or small.