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.

How we live our religion is far more important than what we may say about our religion.

I want to help you "fly right" in the gathering storms of the last days. You are the pilots. You are responsible to think about the consequences of every choice you make. Your righteous choices will keep you from getting off course.

Does this mean we will always understand our challenges? Won't all of us, sometime, have reason to ask, 'O God, where art thou?' Yes! When a spouse dies, a companion will wonder. When financial hardship befalls a family, a father will ask. When children wander from the path, a mother and father will cry out in sorrow. Yes, 'weeping may endure for a night, but joy cometh in the morning.' Then, in the dawn of our increased faith and understanding, we arise and choose to wait upon the Lord, saying, 'Thy will be done.'

We sometimes think that being grateful is what we do after our problems are solved, but how terribly shortsighted that is. How much of life do we miss by waiting to see the rainbow before thanking God that there is rain?

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.

To hope and trust in the Lord requires faith, patience, humility, meekness, long-suffering, keeping the commandments and enduring to the end.