{My thoughts are in purple and I highlighted things that stuck out to me.}
Becoming Self-Reliant—Spiritually and Physically
From  an address given on March 11, 2004, at Brigham Young University during  the opening of the Marriott School’s Center for Economic Self-Reliance.
My  travels have taken me almost everywhere in the world—most of the  continent of Africa, the islands of the sea, Latin America, Asia,  Europe, and the heart of the inner cities of America. Everywhere I go,  the cries of the poor ring out—often with the plea, “Please help us.” In  Africa alone those cries do not come from a few; they come from tens of  thousands, even millions.
The  Church has been especially concerned with teaching self-reliance since  1936, when Elder Melvin J. Ballard was named general chairman of the  newly formed Welfare Committee. Elder Harold B. Lee was the first  managing director, followed by Elder Marion G. Romney. Since that  beginning, the Church has learned a great deal about the principles of  self-reliance.
From the Church Handbook of Instructions, we learn: “The Savior has commanded the Church and its members to be self-reliant and independent. …  {I thought to myself... "Am I really self reliant and independent?"}
“To  become self-reliant, a person must work. Work is physical, mental, or  spiritual effort. It is a basic source of happiness, self-worth, and  prosperity.  {Its not just going to happen...}Through work, people accomplish many good things in their  lives. …
“As  people become self-reliant, they are better prepared to endure  adversities” and are “better able to care for others in need.”  1          
President  Marion G. Romney (1897–1988) taught: “Without self-reliance one cannot  exercise these innate desires to serve. How can we give if there is  nothing there? Food for the hungry cannot come from empty shelves. Money  to assist the needy cannot come from an empty purse. Support and  understanding cannot come from the emotionally starved. Teaching cannot  come from the unlearned. And most important of all, spiritual guidance  cannot come from the spiritually weak.”  2        (See also p. 65 of this magazine.)
President  Ezra Taft Benson (1899–1994) said: “The world would take people out of  the slums. Christ takes the slums out of people, and then they take  themselves out of the slums. The world would mold men by changing their  environment. Christ changes men, who then change their environment. The  world would shape human behavior, but Christ can change human nature.”  3       
William  George Jordan put it this way: “The world is busy with its own cares,  sorrows and joys, and pays little heed to you. There is but one great  pass-word to success,—self-reliance.”  4       
From my experience, I believe that a few simple but very important principles can help prepare us to become more self-reliant.
Find Answers through the Spirit
First,  every person must know that he or she is a child of God and is loved by  Him. People need to realize that regardless of their circumstances, as  desperate as those may be, they are entitled to the Light of Christ in  their lives. From Moroni we learn, “The Spirit of Christ is given to  every man” (Moroni 7:16).  The promise is that every son and daughter of God can find, through the  Spirit, answers to the challenges in their lives, including how to  become more self-reliant. We must, therefore, ever keep in our minds how  precious each child of God is and how important our service is to each  one of them.
We  become more self-reliant in some ways as we recognize our dependence on  Him from whom all good things come. {This is so true.} This is the spirit noted in Alma 34:27,  in which we are counseled to cry unto the Lord over our homes, our  families, and our work. “Yea, and when you do not cry unto the Lord, let  your hearts be … drawn out in prayer unto him continually for your  welfare, and also for the welfare of those who are around you.”
At  the root of self-reliance are the dignity and importance of seeing  ourselves as children of God regardless of circumstance, culture, or  location.
Appraise Our Lives and the Needs of Others
Second,  we need to appraise our own lives. How well are we listening to the  Spirit? Are we living according to the eternal truths and doctrines of  the restored Church of Jesus Christ?  Can we effectively appraise the needs of others by the prompting of the  Spirit? It impressed me that Muhammad Yunus must have been prompted by  the Spirit when he organized a very unusual bank in Bangladesh, which  some have said was the beginning of microfinance. When Yunus, who won  the Nobel Peace Prize in 2006 for his efforts to help the poor, was  asked what his initial strategy would be, he responded:
“I  didn’t really have one at the time. I simply began trying to help with  my own funds, then went to the banks and asked them to get involved.  They refused for several stated reasons, and thus my strategy began to  evolve into: ‘Whatever the bankers did, I simply did the opposite.’ The  bankers would only lend to the rich. I would only lend to the poor. The  bankers would only make large loans. I would only make very small loans.  The bankers would only lend to men. I would only lend to women. The  bankers would only lend if there was collateral. I would only lend  without collateral. The bankers required extensive paperwork. I only  made loans that even an illiterate could understand. The bankers  required their clients to come to the bank. I took my bank to the  village.”    5  
It  should be noted that the banks expected a high rate of loan defaults.  Yunus expected and experienced almost none. I understand that Mr.  Yunus’s bank has provided more than $4 billion in loans and is entirely  self-sustaining. Surely the Spirit of the Lord guided this noble effort.
Choose between Good and Evil
Third,  we need to remember that every man and every woman has the God-given  right to choose what he or she will believe and do. Lehi said it this  way: “Wherefore, men are free according to the flesh. … They are free to  choose liberty and eternal life, through the great Mediator of all men,  or to choose captivity and death, according to the captivity and power  of the devil” (2 Nephi 2:27).  I realize there are some places in the world where freedom is greatly  restricted; however, the individual freedom of every soul to choose good  or evil is an eternal truth essential to God’s plan of happiness. No  one can take that away from His children. Benjamin Franklin had this to  say about choice:
“We  stand at the crossroads, each minute, each hour, each day, making  choices. We choose the thoughts we allow ourselves to think, the  passions we allow ourselves to feel, and the actions we allow ourselves  to perform. Each choice is made in the context of whatever value system  we’ve selected to govern our lives. In selecting that value system, we  are, in a very real way, making the most important choice we will ever  make.
Those  who believe there is one God who made all things and who governs the  world by his Providence will make many choices different from those who  do not. Those who hold in reverence that being who gave them life and  worship Him through adoration, prayer, and thanksgiving will make many  choices different from those who do not. Those who believe that mankind  are all of a family and that the most acceptable service of God is doing  good to man will make many choices different from those who do not.  Those who believe in a future state in which all that is wrong here will  be made right will make many choices different from those who do not.  Those who subscribe to the morals of Jesus will make many choices  different from those who do not.”
Franklin concludes:
“Since  the foundation of all happiness is thinking rightly, and since correct  action is dependent on correct opinion, we cannot be too careful in  choosing the value system we allow to govern our thoughts and actions.
“And  to know that God governs in the affairs of men, that he hears and  answers prayers, and that he is a rewarder of them that diligently seek  Him, is indeed, a powerful regulator of human conduct.”    6  
Think Straight
Fourth,  master the ability to think straight. As Franklin said, “The foundation  of all happiness is thinking rightly.” This may be more important in  the future as the world continues to spiral downward and crumble into  moral decay.
In  my office hangs a printed statement that includes the last words spoken  by my grandfather Elder Melvin J. Ballard before his passing. He was in  the hospital phasing in and out of a coma. My father said that  Grandfather suddenly opened his eyes and looked into the room and said,  “Above all else, brethren, let us think straight.” A few minutes later  he passed away.
That  was more than 65 years ago. How much more does the world need people  today who can think straight? Part of thinking straight is using common  sense in solving life’s problems. Lord Chesterfield said, “Common sense  (which, in truth, is very uncommon) is the best sense I know of: abide  by it; it will counsel you best.”    7    
Often  in my ministry have I heard the sad tale of those who are struggling to  become self-reliant but in fact are becoming more dependent upon others  because of their inability to think straight and apply common sense in  the decisions they make. Much of life’s misery centers in the lack of  using common sense. As an example, consider the pharmacist who was  compounding a prescription that called for as much strychnine as you  could put on the face of a dime. He didn’t have a dime, so he used two  nickels.
Helping  people to think straight and use common sense will, in my judgment,  always be a very important step in helping them to reach economic  self-reliance. It is part of teaching our children and others to walk in  the ways of truth and soberness and to love and serve one another (see Mosiah 4:15). Part of thinking straight is listening—being able to listen to the promptings of the Spirit.
Seek the Lord’s Guidance
Fifth, seek guidance from the Lord and trust in Him. In the Doctrine and Covenants we read:
“I,  the Lord, am merciful and gracious unto those who fear me, and delight  to honor those who serve me in righteousness and in truth unto the end.
“Great shall be their reward and eternal shall be their glory.
“And  to them will I reveal all mysteries, yea, all the hidden mysteries of  my kingdom from days of old, and for ages to come, will I make known  unto them the good pleasure of my will concerning all things pertaining  to my kingdom.
“Yea, even the wonders of eternity shall they know, and things to come will I show them, even the things of many generations.
“And  their wisdom shall be great, and their understanding reach to heaven;  and before them the wisdom of the wise shall perish, and the  understanding of the prudent shall come to naught.
“For  by my Spirit will I enlighten them, and by my power will I make known  unto them the secrets of my will—yea, even those things which eye has  not seen, nor ear heard, nor yet entered into the heart of man” (D&C 76:5–10). {Aren't those incredible blessing?}
May  we remember our responsibility to carry the light of the restored  gospel of Jesus Christ to all of God’s children. And may we, through our  provident living, teach others to emulate the examples of our pioneer  forefathers in lifting themselves up by their own bootstraps, to trust  in the light of hope, and to seek the light of knowledge that will  ultimately lead them to spiritual and economic self-reliance.




                                                     
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