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Transcript

The Pay-Yourself-First Secret: How Do Savers Build Wealth? · Becoming Financially Confident

• 1:20
  What
• 1:20
  if
• 1:20
  savings
• 1:21
  didn't
• 1:21
  happen
• 1:21
  after
• 1:22
  everything
• 1:22
  else?
• 1:23
  What
• 1:24
  if
• 1:24
  it
• 1:24
  came
• 1:24
  first?
• 1:25
  Most
• 1:26
  of
• 1:26
  us
• 1:26
  were
• 1:26
  taught
• 1:26
  to
• 1:27
  spend
• 1:27
  what
• 1:27
  we
• 1:27
  need,
• 1:28
  pay
• 1:28
  what
• 1:28
  we
• 1:28
  owe,
• 1:29
  and
• 1:29
  save
• 1:29
  whatever
• 1:30
  might
• 1:30
  be
• 1:30
  left.
• 1:31
  And
• 1:31
  most
• 1:32
  months,
• 1:32
  let's
• 1:33
  be
• 1:33
  honest,
• 1:33
  there's
• 1:34
  not
• 1:34
  much
• 1:34
  left
• 1:34
  at
• 1:34
  all,
• 1:35
  friend.
• 1:36
  If
• 1:36
  savings
• 1:36
  keeps
• 1:37
  falling
• 1:37
  to
• 1:37
  the
• 1:37
  bottom
• 1:38
  of
• 1:38
  your
• 1:38
  list,
• 1:38
  you're
• 1:39
  not
• 1:39
  irresponsible.
• 1:40
  You
• 1:40
  just
• 1:40
  file
• 1:41
  in
• 1:41
  an
• 1:41
  order
• 1:41
  that
• 1:41
  makes
• 1:42
  savings
• 1:42
  feel
• 1:42
  optional.
• 1:44
  So
• 1:44
  today
• 1:44
  we're
• 1:44
  going
• 1:44
  to
• 1:44
  talk
• 1:45
  about
• 1:45
  a
• 1:45
  simple
• 1:45
  shift
• 1:46
  that
• 1:46
  helps
• 1:46
  savers
• 1:46
  actually
• 1:47
  win.
• 1:47
  When,
• 1:47
  without
• 1:48
  pressure
• 1:48
  or
• 1:48
  guilt,
• 1:48
  we're
• 1:49
  going
• 1:49
  to
• 1:49
  ask
• 1:49
  this
• 1:49
  question,
• 1:50
  the
• 1:50
  pay
• 1:50
  it
• 1:51
  yourself
• 1:51
  secret.
• 1:52
  How
• 1:52
  do
• 1:52
  savers
• 1:53
  build
• 1:53
  wealth?
• 2:15
  Hey,
• 2:15
  friend.
• 2:16
  Ralph
• 2:16
  Estep
• 2:16
  Jr.
• 2:17
  Here.
• 2:17
  Welcome
• 2:18
  to
• 2:18
  Financially
• 2:18
  Confident
• 2:19
  Christian,
• 2:19
  where
• 2:20
  we
• 2:20
  learn
• 2:20
  how
• 2:20
  to
• 2:20
  walk
• 2:20
  through
• 2:21
  life
• 2:21
  and
• 2:21
  money
• 2:21
  with
• 2:22
  wisdom,
• 2:22
  with
• 2:23
  peace,
• 2:23
  and
• 2:24
  with
• 2:24
  a
• 2:24
  heart
• 2:24
  anchored
• 2:24
  in
• 2:25
  God's
• 2:25
  truth.
• 2:26
  My
• 2:26
  mission
• 2:26
  is
• 2:26
  simple.
• 2:27
  To
• 2:27
  help
• 2:27
  you
• 2:28
  break
• 2:28
  the
• 2:28
  cycle
• 2:28
  of
• 2:29
  financial
• 2:29
  shame,
• 2:30
  build
• 2:30
  steady
• 2:31
  habits
• 2:31
  rooted
• 2:31
  in
• 2:31
  faith,
• 2:32
  and
• 2:32
  become
• 2:32
  the
• 2:33
  kind
• 2:33
  of
• 2:33
  believer
• 2:33
  who
• 2:34
  handles
• 2:34
  money
• 2:34
  with
• 2:35
  clarity,
• 2:35
  with
• 2:36
  confidence,
• 2:36
  and
• 2:37
  with
• 2:37
  spiritual
• 2:37
  purpose.
• 2:38
  Yesterday
• 2:39
  we
• 2:39
  talked
• 2:39
  about
• 2:40
  those
• 2:40
  emergency
• 2:40
  funds,
• 2:41
  that
• 2:41
  first
• 2:41
  layer
• 2:42
  of
• 2:42
  financial
• 2:42
  breathing
• 2:43
  room.
• 2:44
  And
• 2:44
  today
• 2:44
  we're
• 2:44
  going
• 2:44
  to
• 2:44
  build
• 2:45
  on
• 2:45
  that
• 2:45
  foundation
• 2:45
  with
• 2:46
  a
• 2:46
  habit
• 2:46
  that
• 2:46
  quietly
• 2:47
  changes
• 2:47
  everything.
• 2:48
  It's
• 2:49
  called
• 2:49
  paying
• 2:49
  yourself
• 2:50
  first.
• 2:50
  Not
• 2:51
  a
• 2:51
  rule,
• 2:51
  not
• 2:52
  pressure,
• 2:52
  but
• 2:53
  a
• 2:53
  priority.
• 2:54
  A
• 2:54
  listener
• 2:55
  once
• 2:55
  asked
• 2:55
  me,
• 2:55
  ralph,
• 2:56
  how
• 2:56
  am
• 2:56
  I
• 2:57
  supposed
• 2:57
  to
• 2:57
  save
• 2:57
  when
• 2:58
  I'm
• 2:58
  already
• 2:58
  feeling
• 2:59
  behind
• 2:59
  every
• 2:59
  month?
• 3:00
  And
• 3:01
  that
• 3:01
  question
• 3:01
  isn't
• 3:01
  about
• 3:02
  math,
• 3:02
  is
• 3:02
  it?
• 3:03
  It's
• 3:03
  about
• 3:03
  feeling
• 3:04
  like
• 3:04
  savings
• 3:05
  is
• 3:05
  always
• 3:05
  for
• 3:05
  later,
• 3:06
  for
• 3:06
  someday,
• 3:07
  for
• 3:07
  other
• 3:08
  people.
• 3:09
  But
• 3:09
  under
• 3:09
  that
• 3:10
  question
• 3:10
  is
• 3:10
  this
• 3:10
  feeling.
• 3:11
  I
• 3:12
  want
• 3:12
  to
• 3:12
  do
• 3:12
  better,
• 3:12
  but
• 3:13
  life
• 3:13
  keeps
• 3:13
  getting
• 3:13
  in
• 3:14
  the
• 3:14
  way.
• 3:14
  Ralph,
• 3:15
  savings
• 3:16
  feels
• 3:16
  extra
• 3:17
  when
• 3:18
  there's
• 3:18
  extra.
• 3:19
  It
• 3:19
  feels
• 3:19
  hard
• 3:20
  when
• 3:20
  every
• 3:20
  dollar
• 3:20
  already
• 3:21
  has
• 3:21
  a
• 3:21
  job.
• 3:22
  And,
• 3:22
  friend,
• 3:22
  that
• 3:23
  doesn't
• 3:23
  make
• 3:23
  you
• 3:23
  lack
• 3:23
  discipline.
• 3:24
  It
• 3:24
  means
• 3:25
  the
• 3:25
  order
• 3:25
  needs
• 3:25
  to
• 3:26
  change.
• 3:27
  Here's
• 3:27
  something
• 3:27
  research
• 3:28
  shows
• 3:28
  again
• 3:28
  and
• 3:29
  again,
• 3:30
  people
• 3:30
  who
• 3:31
  save
• 3:31
  first
• 3:31
  are
• 3:32
  far
• 3:32
  more
• 3:32
  consistent
• 3:33
  than
• 3:33
  people
• 3:33
  who
• 3:33
  try
• 3:34
  to
• 3:34
  save
• 3:34
  last.
• 3:35
  That's
• 3:35
  just
• 3:35
  facts.
• 3:36
  It's
• 3:36
  not
• 3:37
  because
• 3:37
  they're
• 3:37
  stronger.
• 3:38
  It's
• 3:38
  because
• 3:38
  they
• 3:39
  decide
• 3:39
  earlier
• 3:40
  in
• 3:40
  the
• 3:40
  process,
• 3:41
  and
• 3:42
  over
• 3:42
  the
• 3:42
  years,
• 3:42
  I've
• 3:42
  worked
• 3:43
  with
• 3:43
  people
• 3:43
  at
• 3:43
  every
• 3:44
  income
• 3:44
  level.
• 3:45
  The
• 3:45
  ones
• 3:45
  who
• 3:46
  found
• 3:46
  peace
• 3:46
  with
• 3:46
  money
• 3:47
  weren't
• 3:47
  perfect.
• 3:48
  They
• 3:48
  simply
• 3:49
  stopped
• 3:49
  treating
• 3:49
  savings
• 3:50
  like
• 3:50
  an
• 3:50
  afterthought
• 3:51
  and
• 3:51
  started
• 3:51
  treating
• 3:52
  it
• 3:52
  like
• 3:52
  a
• 3:52
  priority.
• 3:54
  That
• 3:54
  one
• 3:54
  change
• 3:55
  made
• 3:55
  everything
• 3:56
  feel
• 3:56
  lighter.
• 3:57
  I'll
• 3:57
  never
• 3:57
  forget.
• 3:57
  I
• 3:58
  remember
• 3:58
  somebody
• 3:58
  telling
• 3:58
  me,
• 3:59
  ralph,
• 3:59
  I
• 3:59
  started
• 4:00
  saving
• 4:00
  before
• 4:01
  I
• 4:01
  paid
• 4:01
  bills.
• 4:02
  It
• 4:02
  felt
• 4:02
  backwards,
• 4:04
  but
• 4:04
  they
• 4:04
  tried
• 4:04
  it
• 4:05
  anyway.
• 4:06
  Just
• 4:06
  a
• 4:06
  small
• 4:06
  automatic
• 4:07
  transfer.
• 4:08
  Now,
• 4:08
  nothing
• 4:08
  dramatic
• 4:09
  changed
• 4:09
  overnight,
• 4:10
  but
• 4:10
  their
• 4:10
  mindset
• 4:11
  did.
• 4:11
  They
• 4:12
  told
• 4:12
  me,
• 4:12
  ralph,
• 4:12
  for
• 4:13
  the
• 4:13
  first
• 4:13
  time,
• 4:13
  I
• 4:14
  feel
• 4:14
  like
• 4:14
  my
• 4:14
  future
• 4:15
  mattered.
• 4:16
  So
• 4:17
  here's
• 4:17
  today's
• 4:17
  general
• 4:17
  question.
• 4:19
  What
• 4:19
  would
• 4:19
  change
• 4:19
  if
• 4:20
  Your
• 4:20
  future
• 4:20
  came
• 4:21
  first
• 4:21
  instead
• 4:21
  of
• 4:22
  last.
• 4:22
  Let's
• 4:23
  talk
• 4:23
  about
• 4:23
  that.
• 4:24
  See,
• 4:25
  most
• 4:25
  people
• 4:25
  save
• 4:26
  what's
• 4:27
  left.
• 4:28
  Most
• 4:28
  people
• 4:28
  don't
• 4:29
  mean
• 4:29
  to
• 4:29
  avoid
• 4:29
  savings.
• 4:30
  They
• 4:30
  just
• 4:30
  live
• 4:31
  in
• 4:31
  this
• 4:31
  order.
• 4:32
  They
• 4:32
  spend
• 4:33
  first,
• 4:33
  the
• 4:34
  bills
• 4:34
  come
• 4:34
  first,
• 4:35
  everyone
• 4:35
  else
• 4:36
  first.
• 4:36
  And
• 4:37
  then
• 4:37
  maybe
• 4:37
  they
• 4:37
  have
• 4:38
  enough
• 4:38
  to
• 4:38
  save.
• 4:39
  But
• 4:40
  that
• 4:40
  maybe
• 4:40
  is
• 4:40
  a
• 4:41
  liar.
• 4:41
  Because
• 4:42
  life
• 4:42
  will
• 4:42
  always
• 4:42
  find
• 4:43
  a
• 4:43
  way
• 4:43
  to
• 4:43
  use
• 4:43
  up
• 4:43
  what's
• 4:44
  left.
• 4:44
  Hey,
• 4:44
  let's
• 4:44
  be
• 4:44
  honest
• 4:45
  with
• 4:45
  each
• 4:45
  other,
• 4:45
  right?
• 4:46
  There's
• 4:46
  always
• 4:46
  something.
• 4:47
  There's
• 4:48
  the
• 4:48
  sale
• 4:48
  at
• 4:48
  the
• 4:48
  store,
• 4:49
  somebody's
• 4:49
  birthday,
• 4:50
  a
• 4:50
  field
• 4:51
  trip
• 4:51
  for
• 4:51
  the
• 4:51
  kids
• 4:52
  that
• 4:52
  tire,
• 4:53
  a
• 4:53
  doctor
• 4:53
  bill,
• 4:54
  fast
• 4:54
  food
• 4:54
  night
• 4:55
  because
• 4:55
  you're
• 4:55
  exhausted
• 4:56
  after
• 4:56
  a
• 4:56
  long
• 4:56
  day.
• 4:57
  And
• 4:58
  the
• 4:58
  problem
• 4:58
  isn't
• 4:59
  that
• 4:59
  you're
• 4:59
  bad
• 4:59
  with
• 5:00
  money.
• 5:00
  The
• 5:00
  problem
• 5:01
  is
• 5:01
  the
• 5:01
  system
• 5:01
  is
• 5:01
  broken.
• 5:03
  If
• 5:03
  savings
• 5:03
  is
• 5:04
  less,
• 5:04
  guess
• 5:04
  what?
• 5:05
  Savings
• 5:05
  is
• 5:05
  optional.
• 5:07
  And
• 5:07
  optional
• 5:08
  things
• 5:08
  don't
• 5:08
  survive
• 5:09
  real
• 5:09
  life.
• 5:10
  This
• 5:11
  is
• 5:11
  the
• 5:11
  small
• 5:11
  shift
• 5:12
  that
• 5:12
  changes
• 5:12
  everything.
• 5:14
  You
• 5:14
  save
• 5:15
  first.
• 5:16
  Not
• 5:16
  huge,
• 5:17
  not
• 5:17
  dramatic,
• 5:17
  just
• 5:18
  first.
• 5:18
  You
• 5:18
  put
• 5:18
  it
• 5:18
  in
• 5:18
  front
• 5:19
  of
• 5:19
  the
• 5:19
  line.
• 5:20
  Because
• 5:20
  when
• 5:20
  you
• 5:20
  pay
• 5:20
  yourself
• 5:21
  first,
• 5:21
  you're
• 5:22
  telling
• 5:22
  your
• 5:22
  money,
• 5:22
  this
• 5:23
  matters.
• 5:24
  This
• 5:24
  is
• 5:25
  non
• 5:25
  negotiable.
• 5:26
  This
• 5:26
  is
• 5:26
  part
• 5:27
  of
• 5:27
  life
• 5:27
  now.
• 5:27
  This
• 5:27
  is
• 5:28
  my
• 5:28
  reality.
• 5:29
  Then
• 5:29
  you
• 5:30
  spend
• 5:30
  what's
• 5:30
  left
• 5:30
  over.
• 5:31
  You
• 5:31
  spend
• 5:31
  what
• 5:31
  remains.
• 5:32
  Not
• 5:32
  what
• 5:32
  you
• 5:33
  wish
• 5:33
  remained,
• 5:34
  but
• 5:34
  what
• 5:34
  actually
• 5:35
  remains.
• 5:36
  And
• 5:36
  here's
• 5:36
  what
• 5:37
  happens.
• 5:37
  Your
• 5:37
  lifestyle
• 5:38
  adjusts
• 5:39
  to
• 5:39
  your
• 5:39
  new
• 5:39
  priorities.
• 5:40
  That's
• 5:41
  why
• 5:41
  this
• 5:41
  works.
• 5:42
  Not
• 5:42
  because
• 5:42
  you
• 5:42
  suddenly
• 5:43
  become
• 5:43
  disciplined,
• 5:44
  but
• 5:44
  because
• 5:44
  the
• 5:44
  order
• 5:45
  is
• 5:45
  doing
• 5:45
  the
• 5:46
  work.
• 5:46
  That
• 5:46
  priority
• 5:47
  determines
• 5:48
  the
• 5:48
  outcome.
• 5:50
  See,
• 5:50
  this
• 5:50
  is
• 5:50
  about
• 5:51
  direction,
• 5:51
  not
• 5:51
  perfection.
• 5:52
  I
• 5:52
  want
• 5:52
  to
• 5:52
  say
• 5:52
  this
• 5:53
  clearly.
• 5:53
  It
• 5:54
  does
• 5:54
  not
• 5:54
  have
• 5:54
  to
• 5:54
  be
• 5:55
  a
• 5:55
  big
• 5:55
  amount.
• 5:56
  It
• 5:56
  just
• 5:57
  has
• 5:57
  to
• 5:57
  be
• 5:57
  intentional.
• 5:58
  If
• 5:58
  all
• 5:58
  you
• 5:58
  can
• 5:59
  save
• 5:59
  is
• 5:59
  $10
• 6:00
  a
• 6:00
  week,
• 6:00
  start
• 6:00
  there.
• 6:01
  If
• 6:01
  you
• 6:01
  can
• 6:02
  do
• 6:02
  $25
• 6:03
  per
• 6:03
  paycheck,
• 6:03
  start
• 6:04
  there.
• 6:04
  Hey,
• 6:04
  if
• 6:04
  you
• 6:04
  can
• 6:05
  do
• 6:05
  1%
• 6:05
  right
• 6:06
  now,
• 6:07
  start
• 6:07
  there.
• 6:07
  Because
• 6:08
  the
• 6:08
  real
• 6:08
  win
• 6:09
  isn't
• 6:09
  the
• 6:09
  amount.
• 6:10
  It's
• 6:10
  the
• 6:10
  identity
• 6:11
  shift
• 6:11
  that's
• 6:11
  going
• 6:12
  on.
• 6:12
  You're
• 6:13
  becoming
• 6:13
  someone
• 6:13
  who
• 6:13
  saves,
• 6:15
  someone
• 6:15
  who
• 6:15
  plans,
• 6:16
  someone
• 6:16
  who
• 6:17
  prepares.
• 6:19
  And
• 6:19
  direction
• 6:19
  matters
• 6:20
  more
• 6:20
  than
• 6:20
  speed.
• 6:21
  Those
• 6:21
  small
• 6:21
  steps
• 6:22
  in
• 6:22
  the
• 6:22
  right
• 6:22
  direction
• 6:23
  still
• 6:23
  change
• 6:23
  your
• 6:24
  life.
• 6:24
  Because
• 6:25
  that
• 6:25
  consistency
• 6:26
  builds
• 6:26
  trust.
• 6:27
  Every
• 6:28
  time
• 6:28
  you
• 6:28
  save
• 6:28
  first,
• 6:29
  you're
• 6:29
  building
• 6:30
  trust.
• 6:30
  You're
• 6:31
  building
• 6:31
  trust
• 6:31
  in
• 6:31
  yourself.
• 6:32
  You're
• 6:32
  saying,
• 6:32
  I
• 6:32
  can
• 6:33
  keep
• 6:33
  a
• 6:33
  promise.
• 6:34
  You're
• 6:35
  building
• 6:35
  trust
• 6:35
  in
• 6:35
  the
• 6:36
  process.
• 6:37
  This
• 6:37
  is
• 6:37
  working,
• 6:38
  even
• 6:38
  if
• 6:38
  it's
• 6:38
  slow.
• 6:40
  And
• 6:40
  more
• 6:40
  importantly
• 6:41
  than
• 6:41
  that,
• 6:41
  you're
• 6:41
  building
• 6:42
  trust
• 6:42
  in
• 6:42
  God's
• 6:43
  provision.
• 6:44
  God
• 6:44
  is
• 6:44
  not
• 6:44
  asking
• 6:45
  me
• 6:45
  to
• 6:45
  be
• 6:45
  perfect.
• 6:46
  He's
• 6:46
  teaching
• 6:47
  me
• 6:47
  to
• 6:47
  be
• 6:47
  faithful.
• 6:49
  That
• 6:49
  consistency
• 6:50
  is
• 6:50
  how
• 6:50
  peace
• 6:50
  gets
• 6:51
  built.
• 6:51
  Not
• 6:51
  all
• 6:52
  at
• 6:52
  once,
• 6:52
  not
• 6:52
  overnight,
• 6:53
  but
• 6:53
  step
• 6:54
  by
• 6:54
  step,
• 6:55
  deposit
• 6:56
  by
• 6:56
  deposit,
• 6:57
  decision
• 6:57
  by
• 6:57
  decision.
• 6:58
  And
• 6:59
  over
• 6:59
  time,
• 6:59
  you
• 6:59
  look
• 6:59
  back
• 7:00
  and
• 7:00
  realize
• 7:00
  something.
• 7:01
  I'm
• 7:01
  not
• 7:01
  where
• 7:02
  I
• 7:02
  want
• 7:02
  to
• 7:02
  be.
• 7:03
  But
• 7:03
  I'm
• 7:04
  no
• 7:04
  longer
• 7:04
  where
• 7:04
  I
• 7:04
  was.
• 7:06
  See,
• 7:06
  that's
• 7:06
  growth.
• 7:07
  That's
• 7:08
  stewardship.
• 7:09
  That's
• 7:09
  a
• 7:10
  new
• 7:10
  story.
• 7:11
  Let's
• 7:11
  look
• 7:11
  at
• 7:11
  Matthew,
• 7:12
  chapter
• 7:12
  6,
• 7:12
  verse
• 7:13
  21
• 7:14
  for
• 7:15
  where
• 7:15
  your
• 7:15
  treasure
• 7:16
  is,
• 7:16
  there
• 7:17
  your
• 7:17
  heart
• 7:17
  will
• 7:17
  be
• 7:17
  also.
• 7:19
  Savings
• 7:19
  first
• 7:20
  isn't
• 7:20
  about
• 7:20
  fear.
• 7:21
  It's
• 7:21
  about
• 7:22
  alignment.
• 7:22
  It's
• 7:23
  about
• 7:23
  choosing
• 7:23
  what
• 7:24
  leads
• 7:24
  your
• 7:24
  life.
• 7:25
  How
• 7:25
  about
• 7:26
  we
• 7:26
  pray
• 7:26
  together?
• 7:27
  Lord,
• 7:27
  thank
• 7:28
  you
• 7:28
  for
• 7:28
  teaching
• 7:28
  us
• 7:28
  priorities
• 7:29
  in
• 7:29
  our
• 7:29
  life.
• 7:30
  Help
• 7:30
  us
• 7:31
  put
• 7:31
  first
• 7:31
  things
• 7:31
  first
• 7:32
  without
• 7:32
  fear
• 7:32
  and
• 7:33
  without
• 7:33
  pressure.
• 7:35
  Give
• 7:35
  us
• 7:35
  faith
• 7:35
  to
• 7:36
  save
• 7:36
  first
• 7:37
  and
• 7:37
  to
• 7:37
  trust
• 7:37
  you
• 7:38
  for
• 7:38
  vision.
• 7:38
  And
• 7:39
  we
• 7:39
  ask
• 7:39
  this
• 7:39
  in
• 7:40
  Jesus
• 7:40
  name,
• 7:41
  Amen.
• 7:42
  Here's
• 7:43
  today's
• 7:44
  I
• 7:44
  want
• 7:44
  you
• 7:44
  to
• 7:44
  set
• 7:44
  up
• 7:45
  an
• 7:45
  automatic
• 7:45
  transfer
• 7:46
  to
• 7:46
  savings
• 7:46
  before
• 7:47
  any
• 7:47
  bills
• 7:47
  are
• 7:47
  paid,
• 7:48
  even
• 7:48
  if
• 7:48
  it's
• 7:48
  small,
• 7:49
  and
• 7:50
  let
• 7:50
  consistency
• 7:51
  work
• 7:51
  for
• 7:51
  you,
• 7:52
  friend.
• 7:53
  Many
• 7:53
  listeners
• 7:53
  tell
• 7:54
  me
• 7:54
  this
• 7:54
  show
• 7:54
  feels
• 7:55
  safe.
• 7:55
  To
• 7:55
  them,
• 7:56
  it
• 7:56
  feels
• 7:56
  like
• 7:56
  a
• 7:56
  place
• 7:56
  where
• 7:57
  money
• 7:57
  struggles
• 7:58
  don't
• 7:58
  define
• 7:58
  their
• 7:58
  faith,
• 8:00
  where
• 8:00
  progress
• 8:00
  matters
• 8:01
  more
• 8:01
  than
• 8:01
  perfection.
• 8:03
  If
• 8:03
  that's
• 8:03
  what
• 8:03
  you're
• 8:04
  looking
• 8:04
  for,
• 8:04
  guess
• 8:04
  what?
• 8:04
  You're
• 8:05
  already
• 8:05
  home.
• 8:06
  And
• 8:06
  if
• 8:06
  you'd
• 8:06
  like
• 8:06
  to
• 8:06
  stay
• 8:07
  connected,
• 8:07
  to
• 8:08
  keep
• 8:08
  building
• 8:08
  steady
• 8:09
  habits,
• 8:09
  to
• 8:09
  get
• 8:09
  a
• 8:10
  little
• 8:10
  extra
• 8:10
  encouragement
• 8:11
  and
• 8:11
  to
• 8:11
  walk
• 8:11
  this
• 8:12
  out
• 8:12
  with
• 8:12
  other
• 8:12
  believers
• 8:13
  who
• 8:13
  are
• 8:13
  learning
• 8:13
  right
• 8:14
  alongside
• 8:14
  you,
• 8:14
  come
• 8:15
  join
• 8:15
  us.
• 8:16
  Come
• 8:16
  to
• 8:16
  financiallyconfidentchristian.com/join
• 8:20
  again.
• 8:20
  That's
• 8:20
  financiallyconfidentchristian.com/Join.
• 8:23
  That's
• 8:24
  where
• 8:24
  the
• 8:24
  community
• 8:24
  lives
• 8:25
  and
• 8:25
  I'd
• 8:25
  love
• 8:25
  to
• 8:26
  welcome
• 8:26
  you
• 8:26
  in.
• 8:27
  Let
• 8:27
  me
• 8:27
  leave
• 8:28
  you
• 8:28
  with
• 8:28
  this
• 8:29
  Saving
• 8:29
  isn't
• 8:30
  about
• 8:30
  being
• 8:30
  perfect.
• 8:31
  It's
• 8:32
  about
• 8:32
  choosing
• 8:32
  a
• 8:32
  direction.
• 8:33
  Tomorrow
• 8:34
  we're
• 8:34
  going
• 8:34
  to
• 8:34
  talk
• 8:34
  about
• 8:35
  why
• 8:35
  your
• 8:35
  future
• 8:35
  self
• 8:36
  will
• 8:36
  thank
• 8:36
  you
• 8:36
  for
• 8:36
  sinking
• 8:37
  funds.
• 8:37
  But
• 8:37
  today
• 8:38
  I
• 8:38
  want
• 8:38
  you
• 8:38
  to
• 8:38
  go
• 8:38
  be
• 8:39
  a
• 8:39
  financially
• 8:39
  confident
• 8:40
  Christian
• 8:40
  because
• 8:40
  I
• 8:41
  know
• 8:41
  you
• 8:41
  can
• 8:41
  do
• 8:41
  this.
• 8:42
  Stay
• 8:42
  financially
• 8:43
  savvy.
• 8:43
  God
• 8:44
  bless
• 8:44
  you
• 8:44
  and
• 8:44
  you
• 8:45
  have
• 8:45
  a
• 8:45
  great
• 8:45
  day
• 8:45
  today.