Your Questions About Financial Freedom University

Lisa asks…

Can someone please explain how gay marriage causes a violation of religious freedom?

One of the most frequent arguments I hear from the anti-gay marriage side is that it violates the rights of people who oppose gay marriage or homosexuality for religious reasons. It doesn’t seem to make sense that gay marriage can have any effect on a person’s ability to practice his or her religion freely. Can someone explain to me how or why this makes sense (my current viewpoint is that it DOESN’T make sense, but I just want to hear how people try to justify this argument.)
@great gig in the sky:

I think the only “gay agenda” is to make sure we’re allowed to lives our lives as we choose without fear of being beaten to death for being different or being denied the same types of government benefits as straight people. If we don’t teach people that queer lifestyles are acceptable and perfectly normal, than it will continue to be okay for kids to be bullied, beat up and murdered simply for being queer or transexual.

You seem to be suggesting that legalizing gay marriage will result in school curriculums along the lines of: “It’s legal and normal for queer people to get married, and it’s not okay for you to beat them to death.” Whether or not you’re right about this, I don’t see a problem with children learning such things. Parents can teach their kids whatever their religion preaches at home.
@ skiingstowe:

Sorry, the thumbs down weren’t from me. I really do appreciate your honest response. But I think you’ve got your facts wrong. Here’s the thing- no church is required to perform any marriage. For instance, Catholic churches aren’t required to perform marriages for non-catholics, or for divorcees, because it’s against their beliefs. So if gay marriage were legalized, church officials would not be required to perform them.

Additionally I find it highly unlikely that a queer couple would ever want to get married in a church that opposed gay marriage, for the same reason that a Christian couple would not want to get married in a Mosque or Synagogue.

John answers:

They make the false claim that it will lead to churches being forced to perform civil gay marriage against their wishes, and make other accommodations.. Total nonsense. Private Orgs can discriminate if they so chose. Just like the Boy Scouts.

The real issue has more to do with Tax exemptions and other Governmental benefits these institutions receive that are political in nature, which is their real concern.


If you scroll down you’ll see some of the rationale given.

“…advocates and government officials in certain states already are challenging the long-held right of religious adoption agencies to follow their religious beliefs and only place children in homes with both a mother and a father. As a result, Catholic Charities in Boston has stopped offering adoption services.

Other advocates of same-sex marriage are suggesting that tax exemptions and benefits be withdrawn from any religious organization that does not embrace same-sex unions. [17] Public accommodation laws are already being used as leverage in an attempt to force religious organizations to allow marriage celebrations or receptions in religious facilities that are otherwise open to the public. Accrediting organizations in some instances are asserting pressure on religious schools and universities to provide married housing for same-sex couples. Student religious organizations are being told by some universities that they may lose their campus recognition and benefits if they exclude same-sex couples from club membership. [18] ”

As you can see, their religious freedom is not effected, their financial interests are however.


[17] Jonathan Turley, “An Unholy Union: Same-Sex Marriage and the Use of Governmental Programs to Penalize Religious Groups with Unpopular Practices,” in Douglas Laycock, Jr., et al., eds., Same-Sex Marriage and Religious Liberty: Emerging Conflicts (Lanham, MD: Rowman & Littlefield Publishers, Inc., 2008, forthcoming).


[18] Marc D. Stern, “Gay Marriage and the Churches, paper delivered at the Scholar’s Conference on Same-Sex Marriage and Religious Liberty, sponsored by the The Beckett Fund, 4 May 2006.


Richard asks…

What more financial products would the US government force its citizens to buy?

John answers:

Bear in mind that this is wild speculation. I am only mentioning things that could possibly be legislated as mandatory purchases and I am not claiming that this would actually happen.

A retirement investment account. As social security becomes harder to pay for we may require all Americans to invest in their own retirement. This will save the taxpayers from the burden of supporting the elderly. It will also put more money into our stock markets. We could tax Americans with a moderate penalty tax for failing to have a certain percentage of their wealth invested.

The same could apply for children. Parents could be required to have an investment plan to cover their kids college.

A college education. All Americans lacking a college education could be taxed every year until they obtain one. This would improve our work force and support universities.

A cell phone (perhaps a 4g requirement) This would be for public safety since emergencies and crimes can be more easily reported and people may be located by their cell phone. While a fine (tax) might be used to require purchase, we could make it a crime to have the cell phone turned off or not on ones person in public.

Life insurance. Every year many Americans are buried or cremated at the tax payers expense. It is unfair that I should have to pay for some parasite to be disposed of. All people should be required to have a at least enough life insurance to fully cover their own burial and a plan with a local undertaker.

Those are pretty much the only ones I can even imagine passing and those are very unlikely.

Added: Flower. If I have the stated intention and ability to punish you if you do not obey my command than that is force. A tax penalty is a punishment. It might be limited force. Were not impaling the Americans without insurance on pikes after all but we are punishing them for disobeying. Whether we call our punishment a tax or a fine or a involuntary gift to our government makes no difference. What your claiming is like saying no one forces me to drive at the speed limit. I have the freedom to drive as fast as I wish. I may be punished for doing so but no one has seized control of my car or my central nervous system and made my disobedience impossible. By your standard all laws are optional.

Michael asks…

should i quit university?

Just started the 3rd year of my 4 year course (am gonna have to add an additional year to complete free configuration due to a new system being implemented in europe).
I love what i do, but just cant take my parents anymore! They pay for my studies and make ridiculous demands in exchange. They have access to my account so they can see what i spend money on, and wont stop saying i spend too much no matter how much i save. The money that was originally agreed to be the minimum i needed a month is paid every 2 months (im several months behind on rent) when i tell im behind on the rent they ask what i did with the money i had. I haven’t had any money since august!!!!
Ive tried looking for work but my parents forbid it and i cant pay for everything with just a part-time job. Im foreign and have no rights to financial help from the government. Ive also recently been diagnosed with a mental disease the psychiatrist says is due to the years of abuse ive suffered by their hands. University is my lifelong dream. But my parents are making it impossible for me. But i cant justify to myself moving away and taking on an apprenticeship… Im scared of change, but i can’t take being under the complete control of my mother anymore. I don’t wanna tell her everything ive done every single day, i dont wanna justify my every action anymore, i’m tired of not knowing when my next payment will be, i’m tired of being her therapist when she calls me in drunken depression, im tired of being scared of how they might react to the smallest little thing i say or do. I’m tired of being a slave, of guarding my every single word not to say something she might even remotely consider offensive or not complying to her opinions.
Im tired of being grateful for stuff i never asked for but was given as a surprise, of being blackmailed with money and having to defend myself with tooth and claw to allowed to do something without help (cuz then she cant brag about being self-sacrificing and giving her everything for me)
My sexuality is none of her business, she had no right to stage what she thought was the taking of my virginity (the guy raped me, thanks mom!) and im sick of hearing about their sexual problems. Im sick of her thinking she has the right to barge into the apartment where i live without calling first or even knocking, in order to “straighten” me out with hours and hours of vomiting insults, screaming and threatening gestures.
I am NOT property, contrary to what she says!(“you are my daughter, thats a special bond, you will always come back to me no matter what, you are mine, i own you and i live my life through you”)
No-one should have to live in this sick, twisted, perverted unreality spun in the minds of narcissistic alcoholics. But i so badly want to finish university… But the psychiatrist says i should run away before im driven to kill myself…Im such a coward…

John answers:

U R not a coward dear. U have over bearing parents, and U R not the only student to have them. Take heart. U have endured for 3 years, so can U handle one more? Yes, your Mom has lots of issues, but U need that degree. Life is getting harder and harder to survive in this crazy world without that stupid piece of paper. Make a game out of enduring your tormenters. Pretend U R in a prison camp, but U know there will be salvation. Once U graduate U can cut your mom out of your life forever if U wish. I am the mom of two college age daughters, and I give them lots of privacy. They have no idea how lucky they are. I wish they could read your post so they would understand how much respect and freedom I give them. I feel badly for U, but hang in there and keep your long term dreams alive sweetheart. Just keep saying to yourself “just one more year……”

Ken asks…

Has anyone dealt with “I want my finacial freedom? And is it a good thing?

Any comments on this or any debt solution company? Thanks.

John answers:

Forget a Debt Solution company. The best thing you can do is start listening to Dave Ramsey on the radio. He is a financial genius. He can get you going in the right direction. Just go to his website: He has helped millions of people with his Financial Peace University.

Sandra asks…

I attend a university that costs me $130 a semester, would it be worth it for me transfer to a top school?

I am currently in my 2nd year of college and almost done with this semester. So far I have maintained a 3.8 GPA at my current university and I am a Biochemistry major. Most transfer deadlines are for march 1st for the top schools.

Anyways my high school goal would have been to go to a top university like Cornell, Brown or MIT. My friend was admitted into MIT as a transfer student because he had a 3.9 GPA at this university, good ECs, retook the SAT and made a 2200 on it (I may do that too, I have a 1980 on it), and he had some great ECs.

I have a 3.8 GPA, 1980 SAT score, finished high school with a 3.4 GPA (friend finished with a 3.5), have been a member of a star internship program, I am in the honors program, I have some volunteer hours at the red cross, have a leadership position in an honors program committee and I am the member of the chemistry club.

Would it be worth it for me to try and transfer to a top school or would it be smart if I went to my current school where I spend about $130 per semester (including books, I commute so I don’t live in a dorm). I am just unsure, friends are telling me to give transfer admissions a try and see where I can get in.

Your thoughts? I need some advice.

John answers:

What do you hope to do when you graduate? Do you hope to go to grad school? If so, then I’d actually suggest you stay put where you are. It’s more important, in biochem, where you went to grad school – so shoot for a top ranked grad school.

In the meantime, take advantage of everything your current uni has to offer you re: your field. Do internships. Get involved in a professor’s research. Get to know some professors, so you’ll have strong references for grad school.

Since you’ll graduate with no debt, you’ll have the financial freedom to do what you want afterwards. Go to grad school. Join the Peace Corps. Go work for a company in someplace cool. Most students graduate burdened by debt, and thus don’t have the freedom to do such things – you’ll have that freedom.

At the same time, if you want to, go ahead and apply to transfer to some great schools. See where you get in, and importantly, see what the costs end up looking like. It may be the case that even if you get into some of those schools, it’ll be too expensive for you to attend, and you’ll choose to stay put. And that’s fine. That’s a sane and rational decision.

The top programs in biochem are: Harvard, MIT, Stanford, Cal Tech, Yale, UC Berkeley, Duke, Johns Hopkins, UCSD, Washington U in St. Louis. You’d need to check the transfer admissions requirements for each of those schools. For MIT at least, you’d need to take a math and a science SAT II subject test, in addition to retaking your SATs.

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