[Excerpts from our Talk during the Adult Session of Urdaneta Stake Conference, 13 August 2023] Elder Padilla and I are so delighted to be with you here at the conference today. It is a privilege to speak as Senior Service Missionaries for the Welfare and Self-Reliance Services and talk about a very important topic both temporally and spiritually. At 15 years old, 25 years ago, Elder Padilla and I met in a Seminary Stake Class. We actively attended youth conferences and other church activities, he went on a mission at 19, and we were married in the temple. As young newlyweds, and with a husband who hasn't finished college at that time, we had no money. But we had each other, we had our love, and we had the gospel. We learned that we didn't need a lot of money to be happy, and didn't need a lot of money or to wait for retirement to serve. In the early stage of our marriage about 18 years ago, while I was pregnant with our first child and struggling to make ends