All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior's example to serve and bless others.

Waiting upon the Lord gives us a priceless opportunity to discover that there are many who wait upon us. Our children wait upon us to show patience, love, and understanding toward them. Our parents wait upon us to show gratitude and compassion. Our brothers and sisters wait upon us to be tolerant, merciful, and forgiving. Our spouses wait upon us to love them as the Savior has loved each one of us.

You and I were among those who used their agency to accept Heavenly Father's plan to come to earth, to have a mortal life, to progress. "We shouted for joy ... to have the opportunity of coming to the earth to receive bodies [for we knew] that we might become, through faithfulness, like unto our Father, God." Now we are here on earth, where opportunities to use our agency abound; for here "there is an opposition in all things." This opposition is essential to the purpose of our lives.

Every one of us is more beloved than we can possibly understand or imagine. Let us therefore be kinder to one another and kinder to ourselves.

We are learning, day by day, about the gift of agency that allows us to experience the consequences, good and bad, of our own choices.

We are all welcome to come into the waters of baptism. He was baptized to witness to His Father that He would be obedient in keeping His commandments. He was baptized to show us that we should receive the gift of the Holy Ghost.

It is not how you start the race or where you are during the race-it is how you cross the finish line that will matter.