This was a great talk from President Hinckley.  I remember sitting in the (now) Highland Hills Stake Center and listening to the talk during Priesthood session.  President Hinckley was very serious as he shared the second part of the talk ("to the men").  President Shields used this last year as evidence of President Hinckley's prophetic power, and I have to agree.

To the Boys and to the Men

President Gordon B. Hinckley

Gordon B. Hinckley, “To the Boys and to the Men,” Ensign, Nov 1998, 51

I am suggesting that the time has come to get our houses in order.

My brethren, it is a tremendous opportunity and an awesome responsibility to speak to you.

I wish to speak initially to the younger men who are here tonight. Thank you for your presence, wherever you may be gathered. Thank you for attending seminary as well as your Sunday meetings. I honor you for your desire to learn of the gospel, to deepen your scholarship in studying the word of the Lord. I thank you for the desire you carry in your hearts to serve missions. I thank you for your dreams of marrying in the temple and rearing honorable families of your own.

You are not “dead-end” kids. You are not wasting your lives in drifting aimlessly. You have purpose. You have design. You have plans that can only lead to growth and strength.
When your energies are harnessed, when your dreams are focused, marvelous things happen. I recently received a proclamation from a group of LDS young men from the northern area of California. They are from 19 stakes, and as they gathered in the mountains, they visited the scene of a pioneer tragedy. As the boys pondered the things they saw and the reminders of their inheritance, they were invited to sign a Mormon Trail Scout Encampment Proclamation. I should like to read this pledge to you:

“Be it known to all that we are Boy Scouts … and bearers of the Aaronic Priesthood of God. We pledge our allegiance to the values and principles that guided the men of the Mormon Battalion and the Latter-day Saint Pioneer men and women who helped establish this state of California. As their grateful sons, we rejoice in our heritage of service.

“On this 18th day of July 1998, we pledge to become converted to the gospel of Jesus Christ. We will study the scriptures. We will pray for strength to obey. We will work. We will strive with all our hearts to follow the example of Jesus.

“We will magnify the priesthood we have been given by serving other people. We will keep ourselves worthy to administer the sacrament of the Lord’s supper. Wherever there is a need for help, like our forefathers, we will step forward.

“We will prove ourselves worthy of the greater, Melchizedek Priesthood. We commit ourselves to the Lord’s army and will go forth as full-time missionaries to invite all to come unto Christ.

“We are young men of the covenant. We will prepare ourselves to receive the covenant of eternal marriage. We pray for righteous wives and children whom we will honor and protect with our own lives.

“Be it known that whatever the risks, whatever the temptations, whatever the state of the world around us, as our forefathers were faithful, so we will be. Like those who have gone before, we will turn away from self-aggrandizement and set aside personal gain in order to build a peaceful society, governed by God.

“At all times and in all places, we will be true to our pledge.”

I compliment every boy who signed this pledge. I pray that not one will ever default on the promises he has made to himself, to the Church, and to the Lord.

What a different world this would be if every young man could and would sign such a statement of promise. There would be no lives wasted with drugs. There would be no gangs with children killing children and young men headed either for prison or death. Education would become a prize worth working for. Service in the Church would become an opportunity to be cherished. There would be greater peace and love in the homes of the people. There would be no viewing of pornography, no reading of sleazy literature. You would honor and respect the girls with whom you associate, and they would never have any fear about being alone with you in any set of circumstances. It would be as if the stripling warriors of Helaman had recruited the youth of the world to their way of living.

On the agenda of your lives, of course, would be a mission. You would gladly go wherever you might be sent to do the work of the Lord, giving it your full time and attention, your strength and energy and love.

Permit me to read to you parts of a letter from a young man now serving a mission. It is written to his family, and I hope I do not violate propriety in reading it to this great gathering. I will not disclose the name of the writer or the mission in which he serves.

He says: “This past year has been great! I transferred out of the mission office and came to this small branch. My life has changed dramatically since that last transfer. I have in the past few months learned what is really important. I have learned what matters. I have learned to forget myself. I have learned to work effectively. I have learned to love others. I have learned that God loves me and that I love Him. In short, I have learned to live what I believe. …

“I have learned about people and things. I have watched tears of joy come to those who never knew they were children of God. I have seen the prayers of the penitent be answered. I have seen people absorb the gospel of Jesus Christ and want to change into new persons, all because of a feeling. …

“I often dream about the plan of salvation. I think about the marvelous work and a wonder that has taken place. I think about the power and force of angels that stand among us. I wonder at times how many of these are around me helping to bear testimony in a language I never thought could be fully understood.

“I ponder upon the peaceable things of immortal glory visioned by Enoch. … I am thankful to God to be who I am. My greatest blessing in life is to be alive—alive in the service of our God. In this, I find great peace and joy.”

Now, my dear young friends, I hope all of you are pointed in the direction of missionary service. I cannot promise you fun. I cannot promise you ease and comfort. I cannot promise you freedom from discouragement, from fear, from downright misery at times. But I can promise you that you will grow as you have never grown in a similar period during your entire lives. I can promise you a happiness that will be unique and wonderful and lasting. I can promise you that you will reevaluate your lives, that you will establish new priorities, that you will live closer to the Lord, that prayer will become a real and wonderful experience, that you will walk with faith in the outcome of the good things you do.

God bless you young men, the boys, of this, His great Church. May each of you walk with a higher resolve, a determination to be Latter-day Saints in every meaning of the word. May achievement, accomplishment, and service become your reward in the fascinating and wonderful life which lies ahead of you.

Now, brethren, I should like to talk to the older men, hoping that there will be some lesson for the younger men as well.

I wish to speak to you about temporal matters.

As a backdrop for what I wish to say, I read to you a few verses from the 41st chapter of Genesis.

Pharaoh, the ruler of Egypt, dreamed dreams which greatly troubled him. The wise men of his court could not give an interpretation. Joseph was then brought before him:

“Pharaoh said unto Joseph, In my dream, behold, I stood upon the bank of the river:

“And, behold, there came up out of the river seven kine, fatfleshed and well favoured; and they fed in a meadow:

“And, behold, seven other kine came up after them, poor and very ill favoured and leanfleshed.…

“And the lean and the ill favoured kine did eat up the first seven fat kine: …

“And I saw in my dream … seven ears came up in one stalk, full and good:

“And, behold, seven ears, withered, thin, and blasted with the east wind, sprung up after them:

“And the thin ears devoured the seven good ears: …

“And Joseph said unto Pharaoh,… God hath shewed Pharaoh what he is about to do.

“The seven good kine are seven years; and the seven good ears are seven years: the dream is one.…

“… What God is about to do he sheweth unto Pharaoh.

“Behold, there come seven years of great plenty throughout all the land of Egypt:

“And there shall arise after them seven years of famine;

“… And God will shortly bring it to pass” (Gen. 41:17–20, 22–26, 28–30, 32).

Now, brethren, I want to make it very clear that I am not prophesying, that I am not predicting years of famine in the future. But I am suggesting that the time has come to get our houses in order.

So many of our people are living on the very edge of their incomes. In fact, some are living on borrowings.

We have witnessed in recent weeks wide and fearsome swings in the markets of the world. The economy is a fragile thing. A stumble in the economy in Jakarta or Moscow can immediately affect the entire world. It can eventually reach down to each of us as individuals. There is a portent of stormy weather ahead to which we had better give heed.

I hope with all my heart that we shall never slip into a depression. I am a child of the Great Depression of the thirties. I finished the university in 1932, when unemployment in this area exceeded 33 percent.

My father was then president of the largest stake in the Church in this valley. It was before our present welfare program was established. He walked the floor worrying about his people. He and his associates established a great wood-chopping project designed to keep the home furnaces and stoves going and the people warm in the winter. They had no money with which to buy coal. Men who had been affluent were among those who chopped wood.

I repeat, I hope we will never again see such a depression. But I am troubled by the huge consumer installment debt which hangs over the people of the nation, including our own people. In March 1997 that debt totaled $1.2 trillion, which represented a 7 percent increase over the previous year.

In December of 1997, 55 to 60 million households in the United States carried credit card balances. These balances averaged more than $7,000 and cost $1,000 per year in interest and fees. Consumer debt as a percentage of disposable income rose from 16.3 percent in 1993 to 19.3 percent in 1996.

Everyone knows that every dollar borrowed carries with it the penalty of paying interest. When money cannot be repaid, then bankruptcy follows. There were 1,350,118 bankruptcies in the United States last year. This represented a 50 percent increase from 1992. In the second quarter of this year, nearly 362,000 persons filed for bankruptcy, a record number for a three-month period.

We are beguiled by seductive advertising. Television carries the enticing invitation to borrow up to 125 percent of the value of one’s home. But no mention is made of interest.

President J. Reuben Clark Jr., in the April 1938 general conference, said from this pulpit: “Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you” (in Conference Report, Apr. 1938, 103).

I recognize that it may be necessary to borrow to get a home, of course. But let us buy a home that we can afford and thus ease the payments which will constantly hang over our heads without mercy or respite for as long as 30 years.

No one knows when emergencies will strike. I am somewhat familiar with the case of a man who was highly successful in his profession. He lived in comfort. He built a large home. Then one day he was suddenly involved in a serious accident. Instantly, without warning, he almost lost his life. He was left a cripple. Destroyed was his earning power. He faced huge medical bills. He had other payments to make. He was helpless before his creditors. One moment he was rich, the next he was broke.

Since the beginnings of the Church, the Lord has spoken on this matter of debt. To Martin Harris through revelation He said: “Pay the debt thou hast contracted with the printer. Release thyself from bondage” (D&C 19:35).

President Heber J. Grant spoke repeatedly on this matter from this pulpit. He said: “If there is any one thing that will bring peace and contentment into the human heart, and into the family, it is to live within our means. And if there is any one thing that is grinding and discouraging and disheartening, it is to have debts and obligations that one cannot meet” (Gospel Standards, comp. G. Homer Durham [1941], 111).

We are carrying a message of self-reliance throughout the Church. Self-reliance cannot obtain when there is serious debt hanging over a household. One has neither independence nor freedom from bondage when he is obligated to others.

In managing the affairs of the Church, we have tried to set an example. We have, as a matter of policy, stringently followed the practice of setting aside each year a percentage of the income of the Church against a possible day of need.

I am grateful to be able to say that the Church in all its operations, in all its undertakings, in all of its departments, is able to function without borrowed money. If we cannot get along, we will curtail our programs. We will shrink expenditures to fit the income. We will not borrow.
One of the happiest days in the life of President Joseph F. Smith was the day the Church paid off its long-standing indebtedness.

What a wonderful feeling it is to be free of debt, to have a little money against a day of emergency put away where it can be retrieved when necessary.

President Faust would not tell you this himself. Perhaps I can tell it, and he can take it out on me afterward. He had a mortgage on his home drawing 4 percent interest. Many people would have told him he was foolish to pay off that mortgage when it carried so low a rate of interest. But the first opportunity he had to acquire some means, he and his wife determined they would pay off their mortgage. He has been free of debt since that day. That’s why he wears a smile on his face, and that’s why he whistles while he works.

I urge you, brethren, to look to the condition of your finances. I urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt to the extent possible. Pay off debt as quickly as you can, and free yourselves from bondage.

This is a part of the temporal gospel in which we believe. May the Lord bless you, my beloved brethren, to set your houses in order. If you have paid your debts, if you have a reserve, even though it be small, then should storms howl about your head, you will have shelter for your wives and children and peace in your hearts. That’s all I have to say about it, but I wish to say it with all the emphasis of which I am capable.

I leave with you my testimony of the divinity of this work and my love for each of you, in the name of the Redeemer, the Lord Jesus Christ, amen.

Living Debt Free

This is a talk I pulled for a talk I gave on debt and welfare. His five key points, though not new, are a great reminder of what we need to do to pay our earthly debts.

Earthly Debts, Heavenly Debts

Elder Joseph B. Wirthlin
Of the Quorum of the Twelve Apostles

Joseph B. Wirthlin, “Earthly Debts, Heavenly Debts,” Ensign, May 2004, 40

We have earthly debts and heavenly debts. Let us be wise in dealing with each of them.

My beloved brethren and sisters, what a glorious event it is to attend conference. We find that the words spoken are words of inspiration, and it’s a joy to be present.

I would like to talk about our heavenly debts and earthly debts. The Gospels record that nearly everywhere the Savior went, He was surrounded by multitudes of people. Some hoped that He would heal them; others came to hear Him speak. Others came for practical advice. Toward the end of His mortal ministry, some came to mock and ridicule Him and to clamor for His crucifixion.

One day a man approached the Savior and asked Him to intervene in a family dispute. “Master, speak to my brother,” he pleaded, “that he divide the inheritance with me.”

The Savior refused to take sides on this issue, but He did teach an important lesson. “Beware of covetousness,” He told him, “for a man’s life consisteth not in the abundance of the things which he possesseth.” 1

Brothers and sisters, beware of covetousness. It is one of the great afflictions of these latter days. It creates greed and resentment. Often it leads to bondage, heartbreak, and crushing, grinding debt.

The number of marriages that have been shattered over money issues is staggering. The amount of heartbreak is great. The stress that comes from worry over money has burdened families, caused sickness, depression, and even premature death.

Earthly Debts

In spite of the teachings of the Church from its earliest days until today, members sometimes fall victim to many unwise and foolish financial practices. Some continue to spend, thinking that somehow the money will become available. Somehow they will survive.

Far too often, the money hoped for does not appear.

Remember this: debt is a form of bondage. It is a financial termite. When we make purchases on credit, they give us only an illusion of prosperity. We think we own things, but the reality is, our things own us.

Some debt—such as for a modest home, expenses for education, perhaps for a needed first car—may be necessary. But never should we enter into financial bondage through consumer debt without carefully weighing the costs.

We have often heard that interest is a good servant but a terrible master. President J. Reuben Clark Jr. described it this way: “Interest never sleeps nor sickens nor dies; it never goes to the hospital; it works on Sundays and holidays; it never takes a vacation. … Once in debt, interest is your companion every minute of the day and night; you cannot shun it or slip away from it; you cannot dismiss it; it yields neither to entreaties, demands, or orders; and whenever you get in its way or cross its course or fail to meet its demands, it crushes you.” 2

The counsel from other inspired prophets in our time on this subject is clear, and what was true 50 or 150 years ago is also true today.

President Heber J. Grant said, “From my earliest recollections, from the days of Brigham Young until now, I have listened to men standing in the pulpit … urging the people not to run into debt; and I believe that the great majority of all our troubles today is caused through the failure to carry out that counsel.” 3

President Ezra Taft Benson said, “Do not leave yourself or your family unprotected against financial storms. … Build up savings.” 4

President Harold B. Lee taught, “Not only should we teach men to get out of debt but we should teach them likewise to stay out of debt.” 5

President Gordon B. Hinckley declared: “Many of our people are living on the very edge of their incomes. In fact, some are living on borrowings. …

“… I urge you to be modest in your expenditures; discipline yourselves in your purchases to avoid debt to the extent possible. Pay off debt as quickly as you can, and free yourselves from bondage.” 6

My brothers and sisters, many have heeded this prophetic counsel. They live within their means, they honor the debts they have incurred, and they strive to reduce the burden they owe to others. We congratulate those who are doing so, for the day will come when they will reap the blessings of their efforts and understand the value of this inspired counsel.

However, others struggle when it comes to finances. Some are victims of adverse and often unforeseen events that have financially damaged them. Others are in financial bondage because they have not learned to discipline themselves and control their impulses to spend. Consequently, they have made unwise financial choices.

May I suggest five key steps to financial freedom for your consideration.

First, pay your tithing. Do you want the windows of heaven opened to you? Do you wish to receive blessings so great there is not room enough to receive them? 7 Always pay your tithing and leave the outcome in the hands of the Lord.

Obedience to God’s commandments is the foundation for a happy life. Surely we will be blessed with the gifts of heaven for our obedience. Failure to pay tithing by those who know the principle can lead to heartache in this life and perhaps sorrow in the next.

Second, spend less than you earn.This is simple counsel but a powerful secret for financial happiness. All too often a family’s spending is governed more by their yearning than by their earning. They somehow believe that their life will be better if they surround themselves with an abundance of things. All too often all they are left with is avoidable anxiety and distress.

Those who live safely within their means know how much money comes in each month, and even though it is difficult, they discipline themselves to spend less than that amount.

Credit is so easy to obtain. In fact, it is almost thrust upon us. Those who use credit cards to overspend unwisely should consider eliminating them. It is much better that a plastic credit card should perish than a family dwindle and perish in debt.

Third, learn to save. Remember the lesson of Joseph of Egypt. During times of prosperity, save up for a day of want. 8

Too often, people assume that they probably never will be injured, get sick, lose their jobs, or see their investments evaporate. To make matters worse, often people make purchases today based upon optimistic predictions of what they hope will happen tomorrow.

The wise understand the importance of saving today for a rainy day tomorrow. They have adequate insurance that will provide for them in case of illness or death. Where possible, they store a year’s supply of food, water, and other basic necessities of life. They set aside money in savings and investment accounts. They work diligently to reduce the debt they owe to others and strive to become debt free.

Brothers and sisters, the preparations you make today may one day be to you as the stored food was to the Egyptians and to Joseph’s father’s family.

Fourth, honor your financial obligations. From time to time, we hear stories of greed and selfishness that strike us with great sorrow. We hear of fraud, defaulting on loan commitments, financial deceptions, and bankruptcies.

We hear of fathers who financially neglect their own families. We say to men and women everywhere, if you bring children into the world, it is your solemn obligation to do all within your power to provide for them. No man is fit to be called a man who gathers around himself cars, boats, and other possessions while neglecting the sacred financial obligations he has to his own wife and children.

We are a people of integrity. We believe in honoring our debts and being honest in our dealings with our fellow men.

Let me tell you the story of one man who sacrificed greatly to maintain his own financial integrity and honor.

In the 1930s Fred Snowberger opened the doors of a new pharmacy in northeastern Oregon. It had been his dream to own his own business, but the economic turnaround he had hoped for never materialized. Eight months later, Fred closed the doors of his pharmacy for the last time.

Even though his business had failed, Fred was determined to repay the loan he had secured. Some wondered why he insisted on repaying the debt. Why didn’t he simply declare bankruptcy and have the debt legally forgiven?

But Fred did not listen. He had said he would repay the loan, and he was determined to honor his word. His family made many of their own clothes, grew much of their food in their garden, and used everything they had until it was thoroughly worn out or used up. Rain or shine, Fred walked to and from his work each day. And every month, Fred paid what he could on the loan.

Years passed and finally the wonderful day arrived when Fred made the last payment. He delivered it in person. The man who had loaned him the money wept and with tears streaming down his face, said, “You not only paid back every penny, but you taught me what a man of character and honesty is.”

To this day, nearly 70 years after Fred signed his name to that note, descendants of Fred and Erma Snowberger still tell this story with pride. This act of honor and nobility has lived through the decades as a cherished example of family integrity.

Fifth, teach your children to follow your example. Too many of our youth get into financial difficulty because they never learned proper principles of financial common sense at home. Teach your children while they are young. Teach them that they cannot have something merely because they want it. Teach them the principles of hard work, frugality, and saving.

If you don’t consider yourself informed well enough to teach them, all the more reason for you to begin learning. Abundant resources are available—from classes, to books, to other resources.

There are those among us who have been blessed abundantly with enough and to spare. Our Heavenly Father expects that we do more with our riches than build larger barns to hold them. Will you consider what more you can do to build the kingdom of God? Will you consider what more you can do to bless the lives of others and bring light and hope into their lives?

Heavenly Debts

We have spoken of earthly debts and our duty to repay them. But there are other debts—debts more eternal in nature—that are not so easy to repay. In fact, we will never be able to repay some of them. These are heavenly debts.

Our mothers and fathers gave us life and brought us into this world. They gave us the opportunity to obtain mortal bodies and experience the joys and sorrows of this bounteous earth. In many cases, they set their own dreams and desires aside for the sake of their children. How fitting it is that we honor them and show by word and deed our love for them and our gratitude.

We also have a great debt to our ancestors who have preceded us and who wait beyond the veil for those ordinances that will allow them to continue their eternal progression. This is a debt we can repay for them in our temples.

What a debt we owe to the Lord for restoring His divine Church and true gospel in these latter-days through the Prophet Joseph Smith. From his youth until his Martyrdom, he devoted his days to bringing to mankind the gospel of Jesus Christ that had been lost. We owe our deepest gratitude to him and to all men in this sacred calling who have been given the mantle to preside over His Church.

How can we ever repay the debt we owe to the Savior? He paid a debt He did not owe to free us from a debt we can never pay. Because of Him, we will live forever. Because of His infinite Atonement, our sins can be swept away, allowing us to experience the greatest of all the gifts of God: eternal life. 9

Can such a gift have a price? Can we ever make compensation for such a gift? The Book of Mormon prophet King Benjamin taught “that if you should render all the thanks and praise which your whole soul has power to possess … [and] serve him with all your whole souls yet ye would be unprofitable servants.” 10

We have earthly debts and heavenly debts. Let us be wise in dealing with each of them and ever keep in mind the words of the Savior. The scriptures tell us, “Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal: But lay up for yourselves treasures in heaven.” 11 The riches of this world are as dust compared to the riches that await the faithful in the mansions of our Heavenly Father. How foolish is he who spends his days in the pursuit of things that rust and fade away. How wise is he who spends his days in the pursuit of eternal life.

Know within your hearts that Jesus the Christ lives. Be at peace, for as you draw near to Him, He will draw near to you. Let not your hearts be weary, but rejoice. Through the Prophet Joseph Smith, the gospel is restored once again. The heavens are not sealed. As in ancient days, we have a man who communicates with the Infinite. A prophet, President Gordon B. Hinckley, walks the earth in our day and at this time. I so testify in the name of Jesus Christ, amen.

Notes

1. Luke 12:13, 15.

2. In Conference Report, Apr. 1938, 103.

3. In Conference Report, Oct. 1921, 3.

4. Pay Thy Debt, and Live … , Brigham Young University Speeches of the Year (28 Feb. 1962), 10.

5. The Teachings of Harold B. Lee, ed. Clyde J. Williams (1996), 315.

6. “To the Boys and to the Men,” Liahona, Jan. 1999, 65–66; Ensign, Nov. 1998, 53–54.

7. See Mal. 3:10.

8. See Gen. 41:47–57.

9. See D&C 14:7.

10. Mosiah 2:20–21.
11. Matt. 6:19–20.

When I was a missionary in Oklahoma, Elder Pace spoke at a Stake Conference in Norman, some time before this General Conference.  He used the same analogy of the train in the Stake Conference as he did here, and it has stuck with me since that time.  I just re-read the talk and was impressed with how direct Elder Pace was.

Spiritual Revival

Elder Glenn L. Pace
Of the Seventy

Glenn L. Pace, “Spiritual Revival,” Ensign, Nov 1992, 11

When I was young I was overly dependent on my older sister. For example, I was a fussy eater, and when we went to visit our grandparents I was constantly faced with being offered food I didn’t like. To minimize my embarrassment, when the plate was passed to me, I would turn to my sister and ask, “Collene, do I like this?”

If it was familiar and she knew I didn’t like it, she would say, “No, he doesn’t like that.”

I could then say to Grandma, “She’s right, I don’t like it.”

If it was something we hadn’t eaten before she would say, “Just a minute,” and taste it, and then tell me if I liked it or not. If she said I didn’t like it, no amount of coaxing could get me to eat it.
I know it is past time for me to rely on my own taste buds and stop denying myself healthy food just because my sister told me I didn’t like it.

On a much more serious note, I believe the time has come for all of us to feast on the fruit of our own testimony as opposed to the testimony of another person. The testimony of which I speak is much deeper than knowing the Church is true. We need to progress to the point of knowing we are true to the Church. We also need to increase our capacity to receive personal revelation. It is one thing to receive a witness that Joseph Smith saw God and Christ. It is quite another to have spiritual self-confidence in your ability to receive the revelation to which you are entitled.

Many of us take the blessings of the gospel for granted. It is as if we are passengers on the train of the Church, which has been moving forward gradually and methodically. Sometimes we have looked out the window and thought, “That looks kind of fun out there. This train is so restrictive.” So we have jumped off and gone and played in the woods for a while. Sooner or later we find it isn’t as much fun as Lucifer makes it appear or we get critically injured, so we work our way back to the tracks and see the train ahead. With a determined sprint we catch up to it, breathlessly wipe the perspiration from our forehead, and thank the Lord for repentance.

While on the train we can see the world and some of our own members outside laughing and having a great time. They taunt us and coax us to get off. Some throw logs and rocks on the tracks to try and derail it. Other members run alongside the tracks, and while they may never go play in the woods, they just can’t seem to get on the train. Others try to run ahead and too often take the wrong turn.

I would propose that the luxury of getting on and off the train as we please is fading. The speed of the train is increasing. The woods are getting much too dangerous, and the fog and darkness are moving in.

Although our detractors might as well “stretch forth [their] puny arm[s] to stop the Missouri river in its decreed course, or to turn it up stream” (D&C 121:33) as try to derail this train, they are occasionally successful in coaxing individuals off. With all the prophecies we have seen fulfilled, what great event are we awaiting prior to saying, “Count me in”? What more do we need to see or experience before we get on the train and stay on it until we reach our destination? It is time for a spiritual revival. It is time to dig down deep within ourselves and rekindle our own light.

President Joseph F. Smith said, “One fault to be avoided by the Saints, young and old, is the tendency to live on borrowed light [and] to permit … the light within them to be reflected, rather than original” (Gospel Doctrine, 5th ed. [Salt Lake City: Deseret Book Co., 1939], p. 87).

The whole world seems to be in commotion. Today’s news is filled with accounts of large-scale famine, civil unrest, and natural disasters. Even more devastating in the long run is the spiritually destructive hurricane of disobedience to God’s commandments that is engulfing the world. This horrible storm is blowing the moral fiber out of the nations of the earth and leaving the land in moral desolation. Many people seem to be oblivious to this hurricane and have become so desensitized they don’t even feel a breeze.

We are following a cycle which was repeated over and over again in the Book of Mormon. As the Lord tells us, “In the day of their peace they esteemed lightly my counsel; but, in the day of their trouble, of necessity they feel after me” (D&C 101:8).

We shouldn’t be too surprised, therefore, that the Lord is allowing some wake-up calls to jar us loose from apathy just as he has done in previous dispensations. In the book of Helaman, Nephi said, “And thus we see that except the Lord doth chasten his people with many afflictions,… they will not remember him” (Hel. 12:3).

In our dispensation the Lord has said, “And my people must needs be chastened until they learn obedience, if it must needs be, by the things which they suffer” (D&C 105:6).

To some, the events unfolding in the world today are frightening. This is not a time to panic, but it is definitely a time to prepare. What can we do to better prepare ourselves for that which is at our doorstep? It is simple. We need to get back to basics and “learn obedience.” When we are obedient, we follow the first principles of the gospel and place our faith in our Lord and Savior; we repent of our sins; we are baptized and receive the Holy Ghost to guide us. We read and ponder the scriptures, pray for direction in our lives, and look for ways to help others who are going through difficult times. We share the gospel with people living on earth and make it possible for saving ordinances to be performed for those who have passed beyond the veil.

During this conference and on many other occasions we will be taught by the Lord’s anointed servants. These prophets, seers, and revelators receive revelation relative to the kingdom to which their mantle entitles them. We follow the Brethren. Finally, we prepare ourselves to receive an endowment in the temple. If we remain faithful, this endowment literally gives us additional power to overcome the sins of the world and “stand in holy places.” (D&C 45:32.)

I make a special appeal to the youth. You will remain much safer and infinitely happier if you will place your energy into current obedience rather than saving it for future repentance. When we are obedient, we establish a base from which the challenges of the future can be addressed.

In spite of our obedience, trials and tribulations will come our way. Disasters and tribulation are not always for the punishment of the wicked, but often for the sanctification of the righteous. We admire the early members of the Church for their faithfulness through their numerous trials. It is interesting to contemplate whether they succeeded in facing their obstacles because of their spirituality or whether they were spiritual because of the obstacles they faced.

Into each of our lives come golden moments of adversity. This painful friend breaks our hearts, drops us to our knees, and makes us realize we are nothing without our Lord and Savior. This friend makes us plead all the night long for reassurance and into the next day and sometimes for weeks and months. But, ultimately, just as surely as the day follows the night, as we remain true and faithful, this strange friend, adversity, leads us straight into the outstretched arms of the Savior.

I have tried to understand why we must experience tribulation before we can experience the ultimate communication. It seems there is an intense concentration which must be obtained before our pleadings reach our Father in Heaven and, perhaps even more importantly, before He can get through to us. Sometimes we must be straining very hard to hear the still small voice. Before we can be taught things hidden from the world, we must be on a spiritual frequency which is out of this world. Adversity can help fine-tune this frequency. Even the Savior communicated more intensely with our Father in Heaven when he was in agony. When the Lord was in Gethsemane, Luke recorded, “And being in an agony he prayed more earnestly.” (Luke 22:44.)

The challenge for each of us, in order to prevent having to receive constant wake-up calls, is to remain obedient once we have turned upward. As the storm clears, it is possible to stay in tune by being valiant in our testimonies. We can then enjoy reprieves—sometimes long ones—and have a taste of heaven on earth. Nevertheless, it does not seem to be in the plan to have a whole lifetime of bliss if our goal is increased spirituality and perfection.

It is my hope that each of us will experience a spiritual revival as we become more obedient. This increased depth of spirituality will help give us the perspective we need to face today’s adversities and the strength we need for tomorrow.

While the world is in commotion, the kingdom is intact. We are living in the greatest and most exciting part of our dispensation since the Restoration itself. We plead with everyone to become active participants in building the kingdom. This is the hour of our opportunity, to which I testify in the name of Jesus Christ, amen.