Nathan Apfel (59:41)
Everybody's always like, how do you pick your targets, Nathan? Like, who do you go after? And I'm like, I don't. Like, I, I am. I have. I've asked God. You open the door, I'm going to walk through it. So I was in Dallas visiting my dad, and I wanted to go to church. I've gone to church every Sunday all over the US I just visit churches. And I walk into this, what is a satellite campus. So it means this pastor has multiple buildings all over Dallas. His main campus is in Grapevine. But I go to one in, just outside Frisco, and I show up, nice little building, probably seats 500, and pull into the Parking lot. There's cameras all over the parking lot. You know, all his banners are all over there and his branding. I walk in, I do my standard thing, grab a donut, cup of coffee, sit in the pews, sing some songs. This one, they don't even have a pastor preaching. They just lower the screen. And I watch the pastor preach from his other main campus. And so I'm like, that's kind of impersonal, but whatever. And I get up, walk out, go to my car, and I start the rental car, and it just doesn't turn over. And I'm like, what the heck? And so it's kind of chugging, and it almost sounds like blowing bubbles in water. And I'm like, I think someone cut the catalytic converter out of the rental car. So I look underneath, and boom, the catalytic converter is gone. And so I snap a picture, and I'm like, dang. So I just go back inside, and I'm like, hey, someone cut the catalytic converter out of my car in your parking lot. There's cameras all over the place. Could I just get the feed so if my insurance wants to see what happened, I can just send it to them. And they give me a card with their website, and they go, go to our website. There's an informational sheet that you can fill out, and we'll contact you through that. I'm like, cool. So I. I sent him a message. Hey, my catalytic converter got cut out. You know, this date, this location. Is there any way you can just get me the feed for my insurance? Crickets. And I'm like, okay, a month passes. Two month pass. And I'm like, this is weird. Send them another message. Crickets. And I'm like, this is ridiculous. A year passes, and we're. Now we're in the. I wasn't even filming the show at this point, and now we're in, like, the thick of it. And I'm like, I'm going to send him another message. Send him another message. Crickets. Eventually, the message board just completely disappears off the website. So there's no way to contact this church anymore. And so about a year ago, I'm traveling with my camera operator, and I'm like, let's just see if we can get a phone number and call him to see if we want to give him money, if they'll answer us. And so, sure enough, I find an accounting number. So I call the number, and I say, hey, my name is Nathan Apollo. I don't lie to anybody. I say, I've Been to your church a couple times. I live out of state. How can I give you money within 24 hours? Boom, I get a call back, nathan, let me tell you how to give stock, how to give land, how to give jewelry, how to give cash. Like, they are ready to take your money, but they're not ready to help. And so this is when I'm like, okay, I'm going to start doing research on this guy. And so I call our PIs and I'm like, hey, what do you have on Ed Young and Fellowship? And they said the only way you can find any real legal material is through lawsuits. And so there's a big differentiator in the nonprofit sector that everybody has to realize. A secular nonprofit files. It's called a990 with the IRS. This form is an informational sheet that you are legally held to account to. So if you lie on this form, you're going to get busted. So if, Sean, you have a nonprofit and I donate to you and I feel like something shady is going on in the irs, comes out and audit, audits you and realizes that you lied on your 990, they can hold you accountable. So it's strictly an accountability form that says, hey, here's how Sean's nonprofit is using the money. Churches do not have to file that form, really. So there is no legal document that any church is held to account to. So what that means is financials are whatever leadership wants it to be. And so right there, there's a massive breakdown in accountability. So I call the church, or no, I'm sorry, I call my PIs and my PIs are like, okay, the only document we have is from 2005, I believe. And it's because someone sued. The church got sued, and so they did discovery. So they have what's called a housing allowance list. And so this is really unique to churches in the U.S. pastors can take a tax free housing stipend if they want. And so the language in the IRS code is something along the lines of your tax free housing allowance has to be within means. So it's a gray definition, which means if you've got good lawyers, well, Sean, you're a celebrity. You should live like Oprah. You should be able to live in a $40 million home or a 28,000 foot home in Tampa or whatever. And so you can offset your tax burden in a major way if you take more payment via housing allowance and not via salary, if that makes sense. So this housing allowance document showed that this pastor was taking $240,000 a year in a housing allowance on top of his salary. And so there was my breadcrumb. I say, okay, this is 20 years ago. I wonder what his housing allowance is today. And you can't find that out. And so my PIs do some digging. They say he's got about 15 million in real estate, personal real estate now buried in LLC structures. But he's got this. He's got a beachfront house in Florida. He's got a $6.5 million home in Dallas. So his mortgage is about 200 grand a month, not 240,000 a year. So, you know, I just estimate, and I say, okay, he's got to be getting a couple million a year in a housing allowance. So I call his lawyer, who's the general counsel of the church. And ironically, he's the CFO of the church. So not only is their lawyer the cfo, but then he gets ordained. So Ed Young ordains his lawyer. Why would Ed Young need to ordain a lawyer? Because anybody who gets to take a housing allowance has to be an ordained minister of that church. So now I'm thinking, well, maybe his lawyer takes a housing allowance, too. And so I call the lawyer, and I'm like, hey, here's the data I have, and it's all on the show. And I'm like, I'm in town. I'd love to hear from you, because we just want to know the housing allowances, you know. Oh, and this is the kicker. I've been donating to his church the whole time. And so, as a donor and as someone who attends your church while I'm in Dallas, I want to know where my money's going and if you're taking exuberant housing allowances that no one knows. And so, sure enough, the lawyer never calls me back. So I decided to go to church on Sunday, and I let him know. I'm like, we're coming on Sunday. And so I show up, and I don't show up with guns, you know, with cameras all over the place. I just have a pair of glasses that record. And so I walk into the church. They had me pegged before I even made it through the front door. There was two security guards out front. Todd, the head of security, literally passes me as I'm walking through the door. In the show, you see him touch his earpiece. I walk into their store, and I buy Ed's book. I want to buy a sweatshirt that he's made. This is his design. And I want to get a coffee at his Coffee shop. Before I'm even making it to the register, a gentleman comes up and says, you can't buy this stuff. We need to go outside. So I walk outside, and again, there's no cameras with me. I just. I'm wearing a wire and I have my glasses because I assume something like this would happen. And they go, you need to leave. And I said, why? And I said, I came to church. I wanted to buy your goods, your business. I want to buy your goods. I give to you. And they go, that doesn't matter, Nathan. And I said, what doesn't matter? The fact that I give to you. Like you. You should care about my giving and want to make sure you're stewarding it properly. And so I said, I'll leave. Who can I talk to in accounting? Because I just have some questions about housing allowances and salaries. They would give me no information, but they said, we will have you criminally trespassed if you don't leave. And so I said, okay, so if I leave, you're not going to criminally trespass me? And they said, no. So I go on my way. But I had signs in the car because I figured, hey, they're going to kick me out. They're not going to want to talk. So we leave, we kind of regroup, we wait for the second service to end. And I'm like, okay, I'm going to go stand in the parking lot because they won't give me any information. And my sign, all it says is, what is Ed Young's housing allowance today? And then, ed Young, what is your salary? That's it. These two little signs. So I walk onto the parking lot before I even make it two thirds of the way to the parking lot, and all I'm doing is standing out front. I'm surrounded by probably 15 armed guards. And these guys are. I'm not military, but these guys are rookie. Everybody's wearing different outfits. You know, you can tell their badges are their security. Some of it's bought from Amazon, some are armed, some are not. They all have colored lapels. So I figured the lapel means you're either armed or you're not. And they immediately bring a sheriff up, and they're like, we're going to arrest Nathan for criminal trespassing. And I'm like, all I want is who can I talk with in accounting? And the cop doesn't. The sheriff doesn't arrest me. One of his private security grabs me, takes my phone and my property, hands it to another private security, like tore tenons in my arm. So I have to have surgery on my elbow. Rips me around. And they immediately say, get him off the property. And I'm like, why you just. You. This looks bad. And literally there's 20 armed security guards surrounding this, this 165 pound dude with two signs. And so I get arrested. I'm sitting there on the curb. Well, I'm not arrested. I'm detained at this point. But not by. But not by the actual pd. And it's in the show. I give this awesome. I just talking to him and I'm like, look at you guys believe you're doing the work of Christ. And I'm like, I can't hate you for that. Like you think you're doing good. Just like I think I'm doing good. So we're on the opposite side of the same coin. But I'm like, look at this. No one knows his housing allowance. He has a massive property in Florida that no one knows about. The congregation doesn't know about it. They've paid for that. He has bulletproof Range Rovers that he just. He jets away from church. And we saw this. He jumped curbs to get away because he knew that I was near the property. And I'm like, here's a dude driving away in bulletproof Range Rovers. Literally. We create. He created this world in his own. In his own head. And all I wanted to know was your housing allowance that donors are paying. And so that's what I mean is the machine eats you. I firmly believe when Ed was young, he got into this thinking he wanted to save souls. He wanted to present Christ to people. And now he's got 20 armed securities around me in his security office. We got word from some of his security officers that there's a photo of me, a 12 by 12 inch picture of me in their security office. And my code name was Hot Dog. And so I'm like, I can't. I wish I could have gotten their, their Lockie, you know, channel. Because it's like Hot Dog is officially on the premises. And I'm like, all I'm here is because Ed wouldn't talk to me. The general counsel, who's also the CFO won't talk to me. And so I'm just here for one simple question. What is your housing allowance that all these donors pay for? And to this day, unless they sue me for making the show, no one will know his housing allowance. And so that's the problem with the machine at this point is you get gobbled up and he runs something called C3 Global, which is a church planting network. And his lawyer is also working with that. And so you start these, what's called auxiliaries, conventions or associations. You start these side businesses as churches. And that's also in the same darkness that a church is in. So as what's happened is as business leaders and there's this big like entrepreneurial spirit now in the Christian church. It's I'm an entrepreneur and a pastor. Well, no, you're just a really smart businessman who's a Christian. But you're leveraging your faith and you're starting a church or an auxiliary to the church to play in the darkest space possible. And a great example of that is the Church of Jesus Christ of Latter Day Saints, the Mormons. So in 98 they had a couple billion sitting. And so they're like, hey, we want to start an investment arm. So they start an investment arm called Enzyme Peak Advisors. It's a couple billion, they shove it in the market. And because there's these additional terms in the IRS code in the. And again, this is lobbying the government. So this is why they run very like parallel lanes, the government and religion. The LDS Church petitioned the IRS to add the term auxiliary in front of church in the 60s. And it was men's clubs back in the day. So men would meet up, smoke cigars, you know, hang out, talk. And they're like, this is technically church. And so the IRS added this term auxiliary to their definition. Well, there's no definition, black and white definition of what an auxiliary is. So if there's no definition, anything can be an auxiliary. So the LDS Church registers their investment fund as an auxiliary, which means that auxiliary is technically a church. It gets the same benefits that the church gets. Flash forward 27 years, they're worth 300 billion in its all for profit ventures registered as churches.