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How Can I Stop Home Repairs From Ruining My Monthly Budget? · Becoming Financially Confident

• 0:37
  Just
• 0:37
  when
• 0:38
  your
• 0:38
  budget
• 0:38
  starts
• 0:38
  to
• 0:39
  feel
• 0:39
  stable,
• 0:40
  something
• 0:40
  breaks.
• 0:41
  You
• 0:42
  know,
• 0:42
  the
• 0:42
  water
• 0:42
  heater,
• 0:43
  the
• 0:44
  roof,
• 0:45
  that
• 0:45
  car
• 0:45
  in
• 0:46
  the
• 0:46
  driveway
• 0:46
  that
• 0:46
  seems
• 0:46
  like
• 0:47
  it's
• 0:47
  always
• 0:47
  in
• 0:47
  the
• 0:47
  shop.
• 0:49
  And
• 0:49
  suddenly
• 0:49
  you're
• 0:49
  not
• 0:50
  moving
• 0:50
  forward
• 0:50
  anymore.
• 0:51
  You're
• 0:51
  in
• 0:52
  recovery
• 0:52
  again.
• 0:54
  And
• 0:54
  if
• 0:54
  you're
• 0:55
  tired
• 0:55
  of
• 0:55
  living
• 0:55
  in
• 0:55
  that
• 0:56
  cycle,
• 0:56
  today
• 0:57
  we're
• 0:57
  going
• 0:57
  to
• 0:57
  build
• 0:57
  a
• 0:58
  plan
• 0:58
  that
• 0:58
  keeps
• 0:58
  those
• 0:59
  moments
• 0:59
  from
• 0:59
  knocking
• 1:00
  you
• 1:00
  off
• 1:00
  track.
• 1:01
  Gonna
• 1:01
  be
• 1:01
  a
• 1:02
  great
• 1:02
  show
• 1:02
  today.
• 1:25
  Hello,
• 1:25
  friend.
• 1:26
  Ralph
• 1:26
  Estep
• 1:27
  Jr.
• 1:27
  Here.
• 1:27
  Welcome
• 1:28
  to
• 1:28
  Financially
• 1:29
  Confident
• 1:29
  Christian.
• 1:30
  Well,
• 1:30
  we're
• 1:30
  breaking
• 1:31
  that
• 1:31
  cycle
• 1:32
  of
• 1:32
  financial
• 1:32
  shame
• 1:33
  and
• 1:33
  helping
• 1:34
  you
• 1:34
  live
• 1:34
  in
• 1:34
  financial
• 1:35
  confidence.
• 1:36
  Yes,
• 1:36
  you
• 1:36
  can
• 1:36
  get
• 1:36
  there.
• 1:37
  And
• 1:37
  today
• 1:38
  we're
• 1:38
  going
• 1:38
  to
• 1:38
  talk
• 1:38
  about
• 1:39
  how
• 1:39
  to
• 1:39
  handle
• 1:40
  home
• 1:40
  repairs
• 1:41
  without
• 1:41
  letting
• 1:42
  them
• 1:42
  derail
• 1:42
  your
• 1:42
  budget.
• 1:43
  We
• 1:44
  get
• 1:44
  this
• 1:44
  question
• 1:45
  asked
• 1:45
  all
• 1:45
  the
• 1:45
  time.
• 1:46
  So
• 1:46
  let's
• 1:46
  get
• 1:46
  right
• 1:46
  into
• 1:47
  today's
• 1:47
  question.
• 1:48
  Listener
• 1:49
  wrote
• 1:49
  this,
• 1:49
  Ralph.
• 1:50
  Every
• 1:50
  time
• 1:51
  I
• 1:51
  start
• 1:51
  to
• 1:51
  feel
• 1:51
  stable,
• 1:52
  another
• 1:53
  emergency
• 1:54
  hits.
• 1:55
  Home
• 1:55
  repairs
• 1:55
  I
• 1:56
  didn't
• 1:56
  see
• 1:56
  coming,
• 1:57
  and
• 1:57
  it
• 1:57
  wipes
• 1:58
  me
• 1:58
  out.
• 1:58
  It's
• 1:59
  exhausting.
• 2:00
  Like
• 2:00
  I
• 2:00
  can't
• 2:00
  catch
• 2:01
  a
• 2:01
  break
• 2:01
  or
• 2:01
  build
• 2:02
  any
• 2:02
  momentum
• 2:03
  at
• 2:03
  all.
• 2:03
  I
• 2:03
  feel
• 2:04
  stuck
• 2:04
  in
• 2:04
  this
• 2:04
  cycle
• 2:05
  of
• 2:05
  recovering
• 2:06
  and
• 2:06
  starting
• 2:06
  over.
• 2:07
  I
• 2:07
  don't
• 2:08
  want
• 2:08
  these
• 2:08
  moments
• 2:08
  to
• 2:08
  keep
• 2:09
  derailing
• 2:09
  everything.
• 2:10
  Ralph,
• 2:11
  how
• 2:11
  do
• 2:11
  I
• 2:11
  plan
• 2:12
  for
• 2:12
  irregular
• 2:13
  expenses
• 2:14
  so
• 2:14
  they
• 2:15
  stop
• 2:15
  throwing
• 2:16
  me
• 2:16
  off
• 2:16
  my
• 2:16
  entire
• 2:17
  month?
• 2:19
  Well,
• 2:19
  friend,
• 2:20
  I
• 2:20
  can
• 2:20
  hear
• 2:20
  the
• 2:20
  frustration
• 2:21
  in
• 2:21
  that
• 2:23
  because
• 2:23
  it
• 2:23
  doesn't
• 2:23
  feel
• 2:23
  like
• 2:24
  progress
• 2:24
  when
• 2:24
  you
• 2:24
  keep
• 2:25
  getting
• 2:25
  pulled
• 2:26
  backward.
• 2:27
  But
• 2:27
  I
• 2:27
  want
• 2:27
  to
• 2:28
  reframe
• 2:28
  something
• 2:29
  for
• 2:29
  you
• 2:29
  that
• 2:29
  you
• 2:29
  said.
• 2:31
  These
• 2:31
  aren't
• 2:31
  interruptions.
• 2:32
  I
• 2:33
  hate
• 2:33
  to
• 2:33
  tell
• 2:33
  you
• 2:33
  this,
• 2:34
  but
• 2:34
  they're
• 2:34
  part
• 2:34
  of
• 2:35
  homeownership.
• 2:37
  This
• 2:37
  is
• 2:37
  what
• 2:37
  it
• 2:37
  means
• 2:38
  to
• 2:38
  own
• 2:38
  a
• 2:38
  home.
• 2:39
  And
• 2:40
  once
• 2:40
  we
• 2:40
  treat
• 2:40
  them
• 2:41
  that
• 2:41
  way,
• 2:41
  we
• 2:41
  can
• 2:42
  plan
• 2:42
  for
• 2:42
  them.
• 2:42
  Unfortunately,
• 2:43
  these
• 2:43
  are
• 2:43
  not
• 2:43
  emergencies.
• 2:45
  So
• 2:45
  here's
• 2:45
  the
• 2:46
  big
• 2:46
  idea
• 2:46
  for
• 2:46
  today.
• 2:47
  Irregular
• 2:48
  expenses
• 2:49
  stop
• 2:50
  feeling
• 2:50
  like
• 2:50
  emergencies
• 2:51
  or
• 2:51
  when
• 2:51
  you
• 2:52
  plan
• 2:52
  for
• 2:52
  them
• 2:53
  consistently.
• 2:54
  And
• 2:54
  that's
• 2:55
  exactly
• 2:55
  what
• 2:55
  I
• 2:55
  want
• 2:55
  to
• 2:55
  talk
• 2:56
  about
• 2:56
  today,
• 2:56
  is
• 2:57
  how
• 2:57
  do
• 2:57
  we
• 2:57
  make
• 2:57
  this
• 2:58
  move
• 2:58
  away
• 2:58
  from
• 2:59
  that
• 2:59
  feeling
• 3:00
  of
• 3:00
  emergency?
• 3:00
  Well,
• 3:01
  you
• 3:01
  got
• 3:01
  to
• 3:01
  start
• 3:01
  by
• 3:01
  doing
• 3:02
  this.
• 3:02
  You've
• 3:03
  got
• 3:03
  to
• 3:03
  re.
• 3:04
  Redefine
• 3:04
  emergency.
• 3:05
  We
• 3:05
  got
• 3:05
  to
• 3:06
  start
• 3:06
  there.
• 3:07
  A
• 3:07
  true
• 3:07
  emergency.
• 3:08
  And
• 3:08
  I
• 3:08
  got.
• 3:08
  I
• 3:09
  got
• 3:09
  to
• 3:09
  get
• 3:09
  you
• 3:09
  to
• 3:09
  agree
• 3:09
  with
• 3:09
  me
• 3:10
  here.
• 3:10
  A
• 3:11
  true
• 3:11
  emergency
• 3:12
  is
• 3:12
  unexpected
• 3:13
  and
• 3:13
  rare.
• 3:15
  Unexpected.
• 3:16
  You
• 3:16
  weren't
• 3:16
  expecting
• 3:16
  this
• 3:17
  to
• 3:17
  happen.
• 3:18
  And
• 3:18
  rare.
• 3:19
  But
• 3:19
  unfortunately,
• 3:20
  home
• 3:20
  repairs,
• 3:21
  they're
• 3:21
  not
• 3:21
  rare.
• 3:23
  Maybe
• 3:23
  they're
• 3:23
  irregular,
• 3:25
  maybe
• 3:26
  they're
• 3:26
  unexpected,
• 3:27
  but
• 3:27
  they're
• 3:27
  not
• 3:28
  unexpected
• 3:28
  and
• 3:28
  rare.
• 3:30
  When
• 3:30
  you
• 3:30
  own
• 3:30
  a
• 3:31
  home,
• 3:32
  guess
• 3:32
  what?
• 3:32
  Things
• 3:32
  wear
• 3:33
  out.
• 3:34
  Systems
• 3:35
  break.
• 3:37
  Maintenance
• 3:37
  happens.
• 3:39
  So
• 3:39
  start
• 3:39
  by
• 3:40
  remembering.
• 3:40
  Instead
• 3:41
  of
• 3:41
  calling
• 3:41
  them
• 3:42
  emergencies,
• 3:43
  we
• 3:43
  got
• 3:43
  to
• 3:44
  start
• 3:44
  calling
• 3:44
  them
• 3:44
  expected.
• 3:45
  Over
• 3:46
  time,
• 3:47
  these
• 3:48
  things
• 3:48
  are
• 3:48
  expected.
• 3:49
  When
• 3:50
  you
• 3:50
  buy
• 3:50
  a
• 3:50
  new
• 3:50
  dishwasher
• 3:51
  for
• 3:51
  your
• 3:52
  house,
• 3:52
  that
• 3:53
  dishwasher
• 3:53
  is
• 3:54
  going
• 3:54
  to
• 3:54
  run
• 3:54
  a
• 3:55
  certain
• 3:55
  number
• 3:55
  of
• 3:55
  cycles.
• 3:56
  Now,
• 3:56
  maybe
• 3:56
  you
• 3:56
  could
• 3:56
  argue
• 3:57
  and
• 3:57
  say,
• 3:57
  this
• 3:57
  thing's
• 3:57
  a
• 3:57
  piece
• 3:58
  of
• 3:58
  junk.
• 3:58
  It
• 3:58
  didn't
• 3:58
  last
• 3:58
  very
• 3:59
  long.
• 3:59
  Get
• 3:59
  that?
• 4:00
  But
• 4:01
  when
• 4:01
  you
• 4:01
  shift
• 4:02
  away
• 4:02
  from
• 4:03
  that
• 4:03
  emergency
• 4:03
  and
• 4:04
  you
• 4:04
  start
• 4:04
  thinking,
• 4:04
  oh,
• 4:04
  you
• 4:05
  know
• 4:05
  what?
• 4:05
  This
• 4:05
  is
• 4:05
  expected
• 4:05
  over
• 4:06
  time,
• 4:06
  it
• 4:06
  removes
• 4:07
  that
• 4:07
  emotional
• 4:08
  shock.
• 4:10
  So
• 4:10
  we
• 4:10
  got
• 4:10
  to
• 4:10
  start
• 4:10
  there,
• 4:11
  redefine
• 4:11
  what
• 4:11
  emergency
• 4:12
  is,
• 4:12
  and
• 4:13
  say,
• 4:13
  okay,
• 4:13
  you
• 4:13
  know
• 4:13
  what
• 4:13
  these
• 4:13
  things
• 4:14
  are?
• 4:14
  These
• 4:14
  are
• 4:15
  planned
• 4:15
  maintenance.
• 4:16
  Well,
• 4:17
  if
• 4:17
  it's
• 4:17
  a
• 4:17
  planned
• 4:17
  maintenance,
• 4:18
  the
• 4:18
  next
• 4:18
  step
• 4:19
  is
• 4:19
  to
• 4:19
  create
• 4:19
  a
• 4:19
  home
• 4:20
  repair
• 4:20
  fund.
• 4:21
  If
• 4:21
  you
• 4:22
  really
• 4:22
  want
• 4:22
  to
• 4:22
  make
• 4:22
  this
• 4:23
  stable,
• 4:23
  this
• 4:24
  is
• 4:24
  where
• 4:24
  stability
• 4:24
  begins.
• 4:26
  When
• 4:26
  you
• 4:26
  create
• 4:26
  a
• 4:27
  category
• 4:27
  in
• 4:27
  your
• 4:28
  budget
• 4:28
  just
• 4:28
  for
• 4:28
  this,
• 4:29
  it
• 4:30
  could
• 4:30
  be
• 4:30
  something
• 4:30
  small.
• 4:31
  Maybe
• 4:31
  you
• 4:31
  put
• 4:31
  $25
• 4:32
  a
• 4:32
  week
• 4:33
  or
• 4:33
  $50
• 4:34
  a
• 4:34
  paycheck.
• 4:35
  You're
• 4:36
  not
• 4:36
  trying
• 4:36
  to
• 4:36
  cover
• 4:36
  everything
• 4:37
  at
• 4:37
  once.
• 4:38
  But
• 4:38
  if
• 4:38
  you
• 4:38
  build
• 4:38
  in
• 4:39
  that
• 4:39
  cushion
• 4:40
  so
• 4:40
  that
• 4:40
  that
• 4:40
  next
• 4:40
  repair
• 4:41
  doesn't
• 4:41
  hit
• 4:41
  you
• 4:42
  at
• 4:42
  zero,
• 4:43
  I
• 4:44
  know
• 4:44
  what
• 4:44
  it
• 4:44
  feels
• 4:44
  like
• 4:44
  there.
• 4:45
  Listen,
• 4:45
  we're
• 4:46
  in
• 4:46
  a
• 4:46
  house
• 4:46
  right
• 4:46
  now,
• 4:46
  my
• 4:46
  wife
• 4:47
  and
• 4:47
  I,
• 4:47
  that's
• 4:48
  30
• 4:48
  years
• 4:48
  old.
• 4:49
  Guess
• 4:49
  what?
• 4:49
  In
• 4:50
  30
• 4:50
  years,
• 4:50
  stuff
• 4:51
  starts
• 4:51
  to
• 4:51
  break.
• 4:52
  Roof
• 4:54
  H
• 4:54
  vac
• 4:54
  systems.
• 4:55
  The
• 4:55
  last
• 4:55
  couple
• 4:56
  years,
• 4:56
  we
• 4:56
  have
• 4:56
  spent
• 4:57
  a
• 4:57
  ton
• 4:58
  on
• 4:58
  fixing
• 4:59
  stuff.
• 4:59
  Guess
• 4:59
  what?
• 5:00
  That's
• 5:00
  the
• 5:00
  beauty
• 5:00
  of
• 5:00
  home
• 5:00
  ownership.
• 5:01
  There's
• 5:02
  always
• 5:02
  something
• 5:02
  to
• 5:02
  fix.
• 5:03
  But
• 5:04
  you've
• 5:04
  got
• 5:04
  to
• 5:04
  estimate
• 5:05
  the
• 5:05
  annual
• 5:06
  reality
• 5:07
  in
• 5:07
  your
• 5:07
  life.
• 5:08
  Here's
• 5:08
  a
• 5:08
  simple
• 5:09
  exercise
• 5:09
  you
• 5:09
  can
• 5:09
  do.
• 5:10
  Ask
• 5:10
  yourself
• 5:11
  this.
• 5:11
  What
• 5:12
  do
• 5:12
  I
• 5:12
  realistically
• 5:13
  spend
• 5:13
  in
• 5:14
  a
• 5:14
  year
• 5:14
  on
• 5:14
  home
• 5:15
  and
• 5:15
  repair
• 5:16
  costs?
• 5:17
  There's
• 5:18
  a
• 5:18
  number
• 5:18
  out
• 5:18
  there.
• 5:20
  Even
• 5:20
  a
• 5:20
  rough
• 5:20
  estimate
• 5:21
  helps.
• 5:21
  Maybe
• 5:21
  it's
• 5:21
  $1,000
• 5:22
  a
• 5:22
  year.
• 5:23
  Maybe
• 5:23
  you've
• 5:23
  got
• 5:23
  a
• 5:23
  newer
• 5:24
  home.
• 5:24
  You
• 5:25
  don't
• 5:25
  have
• 5:25
  these
• 5:25
  issues.
• 5:26
  If
• 5:26
  you've
• 5:26
  got
• 5:27
  an
• 5:27
  older
• 5:27
  home,
• 5:28
  maybe
• 5:28
  it's
• 5:28
  $2,000.
• 5:29
  Hey,
• 5:29
  maybe
• 5:29
  it's
• 5:30
  more
• 5:30
  than
• 5:30
  that.
• 5:31
  But
• 5:31
  figure
• 5:32
  out
• 5:32
  what
• 5:32
  that
• 5:32
  number
• 5:32
  is.
• 5:33
  Here's
• 5:33
  some
• 5:34
  simple
• 5:34
  math.
• 5:35
  Just
• 5:35
  divide
• 5:35
  that
• 5:36
  by
• 5:36
  12.
• 5:37
  Whatever
• 5:38
  that
• 5:38
  number
• 5:38
  is
• 5:38
  for
• 5:39
  repairs
• 5:39
  or
• 5:40
  maintenance,
• 5:40
  Take
• 5:40
  that
• 5:41
  number,
• 5:41
  divide
• 5:41
  by
• 5:41
  12.
• 5:42
  Because
• 5:42
  now
• 5:42
  you've
• 5:42
  got
• 5:43
  a
• 5:43
  monthly
• 5:43
  target.
• 5:44
  And
• 5:44
  when
• 5:45
  you
• 5:45
  have
• 5:45
  a
• 5:45
  target,
• 5:46
  it
• 5:46
  turns
• 5:47
  surprise
• 5:47
  into
• 5:48
  preparation.
• 5:49
  But
• 5:50
  now,
• 5:50
  here's
• 5:50
  another
• 5:50
  thing
• 5:50
  I
• 5:51
  want
• 5:51
  you
• 5:51
  to
• 5:51
  think
• 5:51
  about.
• 5:52
  Because
• 5:52
  a
• 5:52
  lot
• 5:52
  of
• 5:53
  times
• 5:53
  you
• 5:53
  need
• 5:54
  to
• 5:54
  prioritize
• 5:55
  repairs
• 5:55
  with
• 5:56
  wisdom,
• 5:56
  not
• 5:56
  panic.
• 5:58
  I
• 5:58
  don't
• 5:58
  know
• 5:58
  about
• 5:58
  you,
• 5:59
  but
• 5:59
  sometimes
• 5:59
  it's
• 6:00
  easy
• 6:00
  to
• 6:00
  panic.
• 6:00
  Like
• 6:00
  when
• 6:01
  you
• 6:01
  walk
• 6:01
  into
• 6:01
  a
• 6:02
  room
• 6:02
  and
• 6:02
  there's
• 6:02
  a
• 6:02
  pipe
• 6:03
  burst
• 6:03
  and
• 6:03
  there's
• 6:03
  water
• 6:03
  blowing
• 6:04
  everywhere.
• 6:04
  That's
• 6:05
  a
• 6:05
  repair
• 6:05
  that
• 6:05
  needs
• 6:06
  to
• 6:06
  be
• 6:06
  handled
• 6:06
  right
• 6:06
  away.
• 6:08
  But
• 6:08
  not
• 6:08
  everything
• 6:08
  needs
• 6:09
  to
• 6:09
  be
• 6:09
  fixed
• 6:09
  immediately.
• 6:10
  Yeah,
• 6:11
  some
• 6:11
  things
• 6:11
  are
• 6:11
  urgent.
• 6:12
  We
• 6:13
  don't
• 6:13
  have
• 6:13
  any
• 6:13
  heat.
• 6:14
  That's
• 6:14
  urgent.
• 6:15
  The
• 6:16
  pipe
• 6:16
  is
• 6:16
  burst
• 6:16
  and
• 6:17
  there's
• 6:17
  water
• 6:17
  everywhere.
• 6:17
  That's
• 6:18
  urgent.
• 6:19
  Well,
• 6:19
  I
• 6:19
  don't
• 6:19
  like
• 6:19
  the
• 6:20
  look
• 6:20
  of
• 6:20
  these
• 6:20
  cabinets.
• 6:21
  Yeah,
• 6:21
  maybe
• 6:21
  they
• 6:22
  need
• 6:22
  to
• 6:22
  be
• 6:22
  repaired,
• 6:23
  but
• 6:23
  that's
• 6:23
  not
• 6:23
  urgent.
• 6:24
  Some
• 6:25
  things
• 6:25
  can
• 6:25
  wait.
• 6:26
  So
• 6:27
  when
• 6:27
  something
• 6:27
  comes
• 6:27
  up,
• 6:28
  if
• 6:29
  you
• 6:29
  can
• 6:29
  take
• 6:30
  the
• 6:30
  emotion
• 6:30
  out
• 6:30
  of
• 6:31
  it
• 6:31
  for
• 6:31
  a
• 6:31
  second
• 6:32
  and
• 6:32
  ask
• 6:33
  yourself,
• 6:33
  is
• 6:34
  this
• 6:34
  a
• 6:34
  need
• 6:35
  right
• 6:35
  now
• 6:35
  or
• 6:36
  something
• 6:36
  I
• 6:36
  can
• 6:37
  plan
• 6:37
  for,
• 6:38
  you're
• 6:38
  thinking,
• 6:39
  wait
• 6:39
  a
• 6:39
  minute,
• 6:39
  Ralph,
• 6:39
  I
• 6:40
  see
• 6:40
  what
• 6:40
  you
• 6:40
  did
• 6:40
  there.
• 6:41
  You
• 6:41
  just
• 6:41
  went
• 6:41
  back
• 6:41
  to
• 6:42
  needs
• 6:42
  versus
• 6:43
  wants.
• 6:43
  Yes,
• 6:44
  I
• 6:44
  did.
• 6:46
  Because
• 6:46
  urgency
• 6:47
  is
• 6:47
  what
• 6:47
  drains
• 6:48
  your
• 6:48
  budget.
• 6:48
  I
• 6:49
  don't
• 6:49
  know
• 6:49
  how
• 6:49
  many
• 6:49
  times
• 6:49
  I've
• 6:49
  worked
• 6:50
  with
• 6:50
  clients
• 6:50
  that
• 6:50
  said
• 6:50
  to
• 6:50
  me,
• 6:51
  well,
• 6:51
  Ralph,
• 6:51
  we
• 6:52
  got
• 6:52
  into
• 6:52
  this
• 6:52
  repair
• 6:53
  and
• 6:53
  it
• 6:53
  led
• 6:53
  to
• 6:53
  this
• 6:54
  repair
• 6:54
  and
• 6:54
  it
• 6:55
  led
• 6:55
  to
• 6:55
  this
• 6:55
  repair.
• 6:56
  Well,
• 6:56
  guess
• 6:56
  what?
• 6:57
  The
• 6:57
  people
• 6:57
  who
• 6:57
  sell
• 6:58
  repairs
• 6:58
  and
• 6:58
  maintenance,
• 6:59
  I'm
• 6:59
  not
• 6:59
  making
• 7:00
  them
• 7:00
  sound
• 7:00
  like
• 7:00
  bad
• 7:00
  people,
• 7:01
  but
• 7:01
  they're
• 7:02
  going
• 7:02
  to
• 7:02
  try
• 7:02
  to
• 7:02
  sell
• 7:02
  you
• 7:03
  everything.
• 7:03
  I
• 7:04
  get
• 7:04
  it.
• 7:04
  Something
• 7:05
  goes
• 7:05
  wrong
• 7:05
  in
• 7:05
  the
• 7:05
  kitchen,
• 7:06
  next
• 7:06
  thing
• 7:06
  you
• 7:06
  know
• 7:06
  you've
• 7:07
  got
• 7:07
  a
• 7:07
  full
• 7:07
  remodel
• 7:08
  going
• 7:08
  on.
• 7:09
  Something
• 7:09
  goes
• 7:09
  wrong
• 7:10
  in
• 7:10
  the
• 7:10
  bathroom
• 7:10
  and
• 7:10
  it's
• 7:10
  time
• 7:11
  to
• 7:11
  remodel
• 7:11
  the
• 7:11
  whole
• 7:12
  thing.
• 7:12
  But
• 7:13
  that's
• 7:13
  a
• 7:13
  stress
• 7:13
  to
• 7:14
  your
• 7:14
  budget
• 7:14
  that
• 7:14
  you
• 7:14
  don't
• 7:15
  necessarily
• 7:16
  need.
• 7:16
  So
• 7:16
  building
• 7:17
  that
• 7:17
  discernment
• 7:18
  and
• 7:18
  protect
• 7:18
  yourself,
• 7:20
  but
• 7:20
  build
• 7:21
  your
• 7:21
  foundation,
• 7:21
  not
• 7:22
  just
• 7:22
  your
• 7:22
  reaction.
• 7:23
  I
• 7:23
  want
• 7:23
  to
• 7:24
  go
• 7:24
  a
• 7:24
  little
• 7:24
  deeper
• 7:24
  now
• 7:25
  because
• 7:26
  what
• 7:26
  you're
• 7:26
  really
• 7:26
  wanting,
• 7:27
  your
• 7:27
  question
• 7:27
  is
• 7:28
  really
• 7:28
  answer
• 7:28
  is
• 7:29
  asking
• 7:29
  this
• 7:29
  question.
• 7:30
  What
• 7:31
  you
• 7:31
  really
• 7:31
  want
• 7:31
  is
• 7:32
  stability.
• 7:33
  I
• 7:33
  think
• 7:33
  as
• 7:33
  a
• 7:34
  homeowner,
• 7:34
  you
• 7:34
  already
• 7:34
  know
• 7:35
  you're
• 7:35
  never
• 7:35
  going
• 7:35
  to
• 7:36
  find
• 7:36
  perfection.
• 7:37
  You
• 7:37
  are
• 7:37
  not
• 7:38
  going
• 7:38
  to
• 7:38
  live
• 7:38
  in
• 7:38
  a
• 7:39
  home
• 7:39
  where
• 7:39
  a
• 7:39
  month
• 7:40
  goes
• 7:40
  that
• 7:40
  there's
• 7:40
  nothing
• 7:41
  that
• 7:41
  goes
• 7:41
  wrong.
• 7:41
  It
• 7:41
  just
• 7:42
  doesn't
• 7:42
  happen.
• 7:43
  I've
• 7:43
  owned
• 7:43
  homes
• 7:44
  for
• 7:44
  a
• 7:44
  long.
• 7:44
  I
• 7:45
  bought
• 7:45
  my
• 7:45
  first
• 7:45
  house
• 7:45
  when
• 7:46
  I
• 7:46
  was
• 7:46
  22
• 7:46
  years
• 7:47
  old.
• 7:48
  I've
• 7:48
  owned
• 7:48
  homes
• 7:48
  for
• 7:49
  a
• 7:49
  long
• 7:49
  time.
• 7:51
  Something
• 7:51
  always
• 7:51
  goes
• 7:52
  wrong.
• 7:52
  I
• 7:52
  mentioned
• 7:52
  this
• 7:52
  on
• 7:53
  this
• 7:53
  show
• 7:53
  before.
• 7:54
  I
• 7:54
  was
• 7:54
  in
• 7:55
  my
• 7:55
  new
• 7:55
  townhouse,
• 7:56
  I
• 7:56
  was
• 7:56
  22
• 7:56
  years
• 7:56
  old.
• 7:57
  It
• 7:57
  wasn't
• 7:57
  a
• 7:57
  week
• 7:58
  and
• 7:58
  the
• 7:58
  air
• 7:58
  conditioner
• 7:59
  died.
• 8:00
  It's
• 8:00
  a
• 8:00
  25
• 8:01
  year
• 8:01
  old
• 8:01
  townhouse
• 8:02
  now.
• 8:03
  Of
• 8:03
  course,
• 8:03
  I'm
• 8:03
  22.
• 8:04
  I
• 8:04
  didn't
• 8:04
  have
• 8:04
  two
• 8:04
  nickels
• 8:05
  to
• 8:05
  rub
• 8:05
  together
• 8:05
  or
• 8:05
  a
• 8:06
  window
• 8:06
  to
• 8:06
  throw
• 8:06
  it
• 8:06
  out
• 8:06
  of.
• 8:07
  Now
• 8:07
  I
• 8:07
  had
• 8:07
  a
• 8:07
  bunch
• 8:07
  of
• 8:07
  windows
• 8:08
  since
• 8:08
  I
• 8:08
  bought
• 8:08
  this
• 8:08
  house.
• 8:08
  Kind
• 8:09
  of
• 8:09
  a
• 8:09
  funny
• 8:09
  play
• 8:09
  on
• 8:10
  words
• 8:10
  there.
• 8:11
  But
• 8:11
  build
• 8:12
  that
• 8:12
  foundation,
• 8:12
  it
• 8:13
  holds
• 8:13
  steady
• 8:14
  when
• 8:14
  things
• 8:14
  go
• 8:14
  wrong.
• 8:16
  And
• 8:16
  that's
• 8:17
  what
• 8:17
  you're
• 8:17
  building
• 8:17
  here.
• 8:18
  You're
• 8:18
  building
• 8:18
  something
• 8:19
  little
• 8:19
  by
• 8:19
  little.
• 8:19
  That
• 8:20
  building,
• 8:20
  that
• 8:20
  consistency
• 8:21
  over
• 8:21
  time.
• 8:22
  You're
• 8:23
  not
• 8:23
  stuck.
• 8:23
  You're
• 8:24
  learning
• 8:24
  how
• 8:24
  to
• 8:25
  stand
• 8:25
  firm.
• 8:26
  I
• 8:27
  want
• 8:27
  to
• 8:27
  encourage
• 8:27
  you
• 8:27
  right
• 8:27
  now,
• 8:28
  you're
• 8:28
  not
• 8:28
  starting
• 8:28
  over.
• 8:29
  It's
• 8:29
  so
• 8:29
  easy
• 8:29
  to
• 8:30
  say.
• 8:30
  And
• 8:30
  you
• 8:30
  said
• 8:30
  this
• 8:31
  in
• 8:31
  yours.
• 8:31
  I
• 8:31
  feel
• 8:32
  like
• 8:32
  I'm
• 8:32
  always
• 8:32
  starting
• 8:33
  over.
• 8:33
  You're
• 8:34
  not
• 8:34
  starting
• 8:34
  over.
• 8:35
  You're
• 8:35
  just
• 8:35
  building
• 8:36
  stronger
• 8:36
  and
• 8:37
  you're
• 8:37
  learning
• 8:37
  from
• 8:38
  the
• 8:38
  things
• 8:38
  that
• 8:38
  happen
• 8:39
  as
• 8:39
  homeowners.
• 8:40
  I
• 8:40
  will
• 8:41
  tell
• 8:41
  you
• 8:41
  right
• 8:41
  now,
• 8:42
  I've
• 8:42
  already
• 8:42
  built
• 8:43
  into
• 8:43
  my
• 8:43
  budget.
• 8:44
  This
• 8:44
  is
• 8:44
  what
• 8:44
  I
• 8:45
  expect
• 8:45
  I'm
• 8:45
  going
• 8:46
  to
• 8:46
  spend.
• 8:46
  Hey,
• 8:46
  it's
• 8:47
  a
• 8:47
  bonus.
• 8:47
  If
• 8:47
  I
• 8:47
  don't
• 8:48
  spend
• 8:48
  it
• 8:48
  this
• 8:48
  year,
• 8:49
  then
• 8:49
  I
• 8:49
  can
• 8:49
  pay
• 8:49
  off
• 8:49
  some
• 8:50
  debt.
• 8:50
  I
• 8:50
  can
• 8:50
  do
• 8:50
  something
• 8:51
  else
• 8:51
  with
• 8:51
  it.
• 8:51
  But
• 8:52
  here's
• 8:52
  your
• 8:52
  win
• 8:52
  for
• 8:52
  today.
• 8:53
  I
• 8:53
  really
• 8:54
  want
• 8:54
  you
• 8:54
  to
• 8:54
  do
• 8:54
  this.
• 8:54
  If
• 8:54
  you're
• 8:55
  a
• 8:55
  homeowner
• 8:55
  or
• 8:56
  you're
• 8:56
  thinking
• 8:56
  about
• 8:56
  buying
• 8:57
  a
• 8:57
  home,
• 8:57
  hey,
• 8:57
  you
• 8:57
  could
• 8:58
  do
• 8:58
  this
• 8:58
  even
• 8:58
  now,
• 8:59
  create
• 8:59
  a
• 8:59
  home
• 9:00
  repair
• 9:00
  line
• 9:00
  in
• 9:00
  your
• 9:01
  budget.
• 9:02
  You
• 9:02
  don't
• 9:02
  have
• 9:02
  to
• 9:02
  put
• 9:03
  thousands
• 9:03
  of
• 9:03
  dollars
• 9:04
  into
• 9:04
  it.
• 9:04
  Even
• 9:04
  a
• 9:05
  small
• 9:05
  amount
• 9:06
  to
• 9:06
  build
• 9:06
  that
• 9:06
  habit
• 9:07
  will
• 9:07
  help
• 9:08
  you
• 9:08
  in
• 9:08
  the
• 9:08
  long
• 9:08
  run.
• 9:09
  Because
• 9:09
  as
• 9:09
  I've
• 9:10
  said,
• 9:10
  preparation
• 9:11
  creates
• 9:12
  peace.
• 9:12
  And
• 9:13
  that's
• 9:13
  really
• 9:13
  what
• 9:13
  you're
• 9:13
  looking
• 9:13
  for
• 9:14
  here.
• 9:14
  Well,
• 9:15
  let's
• 9:15
  get
• 9:15
  into
• 9:15
  the
• 9:15
  word
• 9:16
  of
• 9:16
  God.
• 9:16
  We're
• 9:16
  going
• 9:16
  to
• 9:16
  go
• 9:17
  to
• 9:17
  the
• 9:17
  book
• 9:17
  of
• 9:17
  Luke,
• 9:18
  chapter
• 9:18
  6,
• 9:19
  verse
• 9:20
  48.
• 9:20
  Again,
• 9:21
  Luke
• 9:21
  6.
• 9:22
  48.
• 9:23
  They
• 9:23
  are
• 9:23
  like
• 9:23
  a
• 9:23
  man
• 9:24
  building
• 9:24
  a
• 9:24
  house
• 9:25
  who
• 9:25
  dug
• 9:26
  down
• 9:26
  deep
• 9:26
  and
• 9:27
  laid
• 9:27
  the
• 9:27
  foundation
• 9:28
  on
• 9:28
  rock.
• 9:29
  When
• 9:30
  a
• 9:30
  flood
• 9:30
  came,
• 9:31
  the
• 9:31
  torrent
• 9:31
  struck
• 9:32
  that
• 9:32
  house
• 9:32
  but
• 9:32
  could
• 9:33
  not
• 9:33
  shake
• 9:34
  it
• 9:35
  because
• 9:35
  it
• 9:35
  was
• 9:35
  well
• 9:36
  built.
• 9:38
  And
• 9:38
  I
• 9:38
  think
• 9:38
  this
• 9:39
  really
• 9:39
  fits
• 9:39
  today.
• 9:39
  First
• 9:40
  of
• 9:40
  all,
• 9:40
  we're
• 9:40
  talking
• 9:40
  about
• 9:40
  houses.
• 9:41
  I
• 9:41
  was
• 9:41
  like,
• 9:41
  hey,
• 9:41
  that
• 9:41
  works.
• 9:43
  But
• 9:43
  financial
• 9:43
  stability
• 9:44
  is
• 9:44
  built
• 9:44
  the
• 9:45
  same
• 9:45
  way
• 9:45
  as
• 9:45
  this.
• 9:46
  Through
• 9:47
  that
• 9:47
  steady
• 9:47
  preparation,
• 9:48
  it
• 9:48
  creates
• 9:48
  a
• 9:49
  strong
• 9:49
  foundation
• 9:50
  when
• 9:51
  life.
• 9:51
  Storms
• 9:52
  come,
• 9:53
  friend.
• 9:53
  Truth
• 9:54
  is,
• 9:54
  storms
• 9:55
  are
• 9:55
  going
• 9:55
  to
• 9:55
  come
• 9:55
  in
• 9:55
  life.
• 9:56
  And
• 9:57
  if
• 9:57
  you
• 9:57
  own
• 9:57
  a
• 9:57
  home
• 9:57
  or
• 9:58
  a
• 9:58
  car,
• 9:59
  there
• 9:59
  is
• 9:59
  going
• 9:59
  to
• 9:59
  be
• 10:00
  a
• 10:00
  storm
• 10:00
  of
• 10:00
  repairs.
• 10:01
  Maybe
• 10:02
  not
• 10:02
  this
• 10:02
  month,
• 10:02
  maybe
• 10:03
  not
• 10:03
  next
• 10:03
  month,
• 10:04
  but
• 10:04
  it's
• 10:04
  going
• 10:04
  to
• 10:05
  happen.
• 10:06
  So
• 10:06
  be
• 10:06
  prepared.
• 10:07
  God's
• 10:07
  given
• 10:08
  you
• 10:08
  the
• 10:08
  ability
• 10:08
  to
• 10:08
  do
• 10:08
  that.
• 10:09
  Well,
• 10:09
  how
• 10:09
  about
• 10:09
  we
• 10:09
  pray
• 10:09
  together
• 10:10
  right
• 10:10
  now?
• 10:11
  Heavenly
• 10:11
  Father,
• 10:12
  I
• 10:12
  lift
• 10:13
  up
• 10:13
  my
• 10:13
  friend
• 10:13
  who
• 10:13
  feels
• 10:14
  worn
• 10:14
  down
• 10:14
  by
• 10:15
  this
• 10:15
  constant
• 10:16
  pressure
• 10:16
  of
• 10:16
  unexpected
• 10:17
  repairs.
• 10:18
  And
• 10:19
  Lord,
• 10:19
  you
• 10:19
  see
• 10:19
  their
• 10:20
  frustration,
• 10:21
  you
• 10:21
  see
• 10:22
  their
• 10:22
  desire
• 10:22
  for
• 10:22
  stability,
• 10:24
  and
• 10:24
  you
• 10:24
  see
• 10:24
  how
• 10:25
  hard
• 10:25
  they're
• 10:25
  trying.
• 10:27
  And
• 10:27
  Lord,
• 10:27
  right
• 10:28
  at
• 10:28
  this
• 10:28
  moment,
• 10:28
  I
• 10:28
  ask
• 10:29
  that
• 10:29
  you
• 10:29
  would
• 10:29
  give
• 10:29
  them
• 10:30
  wisdom
• 10:30
  to
• 10:30
  plan,
• 10:31
  Lord,
• 10:32
  give
• 10:32
  them
• 10:32
  patience
• 10:32
  to
• 10:33
  build
• 10:33
  slowly,
• 10:34
  and
• 10:34
  give
• 10:35
  them
• 10:35
  peace
• 10:35
  during
• 10:35
  the
• 10:36
  process.
• 10:37
  And
• 10:38
  we
• 10:38
  ask
• 10:38
  you
• 10:38
  to
• 10:38
  help
• 10:39
  us
• 10:39
  all
• 10:39
  to
• 10:39
  shift
• 10:40
  from
• 10:40
  reacting
• 10:40
  to
• 10:41
  preparing
• 10:42
  and
• 10:42
  remind
• 10:43
  each
• 10:43
  of
• 10:43
  us
• 10:44
  that
• 10:44
  we're
• 10:45
  not
• 10:45
  stuck,
• 10:46
  that
• 10:46
  we're
• 10:46
  actually
• 10:46
  growing
• 10:47
  stronger
• 10:47
  with
• 10:48
  every
• 10:48
  step.
• 10:49
  Lord,
• 10:49
  be
• 10:50
  the
• 10:50
  foundation
• 10:51
  in
• 10:51
  every
• 10:51
  season
• 10:52
  of
• 10:52
  all
• 10:53
  of
• 10:53
  our
• 10:53
  lives.
• 10:54
  And
• 10:54
  I
• 10:54
  ask
• 10:55
  this
• 10:55
  in
• 10:55
  Jesus
• 10:56
  name,
• 10:57
  Amen.
• 10:59
  Friend,
• 10:59
  hear
• 10:59
  me
• 11:00
  on
• 11:00
  this.
• 11:01
  Stability
• 11:01
  isn't
• 11:02
  built
• 11:02
  in
• 11:02
  one
• 11:03
  month.
• 11:04
  It's
• 11:04
  built
• 11:04
  one
• 11:05
  step
• 11:05
  at
• 11:05
  a
• 11:05
  time.
• 11:05
  It's
• 11:05
  like
• 11:06
  building
• 11:06
  a
• 11:06
  brick
• 11:06
  wall.
• 11:07
  Start
• 11:08
  with
• 11:08
  that
• 11:08
  strong
• 11:09
  foundation
• 11:09
  and
• 11:09
  you
• 11:09
  just
• 11:10
  lay
• 11:10
  one
• 11:10
  block
• 11:11
  and
• 11:11
  another
• 11:11
  block
• 11:12
  and
• 11:12
  another
• 11:13
  block.
• 11:14
  And
• 11:14
  maybe
• 11:15
  right
• 11:15
  now
• 11:15
  you're
• 11:15
  walking
• 11:16
  through
• 11:16
  something
• 11:16
  similar.
• 11:17
  Maybe
• 11:17
  it's
• 11:17
  not
• 11:18
  a
• 11:18
  home
• 11:18
  repair,
• 11:18
  but
• 11:19
  you're
• 11:19
  feeling
• 11:19
  like
• 11:20
  Ralph.
• 11:20
  Man,
• 11:20
  I
• 11:20
  got
• 11:20
  this
• 11:20
  weight
• 11:21
  on
• 11:21
  my
• 11:21
  shoulder.
• 11:21
  I
• 11:21
  just
• 11:21
  don't
• 11:21
  know
• 11:22
  what
• 11:22
  to
• 11:22
  do
• 11:22
  with
• 11:22
  it.
• 11:23
  You
• 11:23
  don't
• 11:23
  have
• 11:23
  to
• 11:23
  carry
• 11:24
  it
• 11:24
  alone
• 11:24
  anymore.
• 11:25
  I
• 11:25
  would
• 11:25
  love
• 11:25
  to
• 11:25
  hear
• 11:26
  what's
• 11:26
  going
• 11:26
  on
• 11:26
  in
• 11:26
  your
• 11:26
  life.
• 11:27
  You
• 11:27
  can
• 11:28
  go
• 11:28
  to
• 11:28
  financiallyconfidentchristian.com/voicemail
• 11:32
  and
• 11:33
  tell
• 11:33
  me
• 11:33
  all
• 11:33
  about
• 11:33
  it.
• 11:33
  You
• 11:34
  can
• 11:34
  leave
• 11:34
  a
• 11:34
  quick
• 11:34
  voicemail
• 11:35
  for
• 11:35
  me
• 11:35
  and
• 11:35
  I
• 11:35
  would
• 11:35
  love
• 11:36
  to
• 11:36
  know
• 11:36
  what's
• 11:37
  going
• 11:37
  on
• 11:37
  with
• 11:37
  your
• 11:37
  life.
• 11:37
  If
• 11:37
  you
• 11:38
  want
• 11:38
  me
• 11:38
  to,
• 11:38
  I
• 11:38
  can
• 11:39
  answer
• 11:39
  a
• 11:39
  question
• 11:39
  you
• 11:40
  have
• 11:40
  on
• 11:40
  the
• 11:40
  show.
• 11:41
  We'll
• 11:41
  put
• 11:41
  a
• 11:41
  link
• 11:42
  in
• 11:42
  the
• 11:42
  show
• 11:42
  notes,
• 11:42
  but
• 11:42
  again,
• 11:43
  that's
• 11:43
  financiallyconfidentchristian.com/voicemail.
• 11:47
  Make
• 11:47
  sure
• 11:47
  you
• 11:47
  join
• 11:47
  us
• 11:48
  tomorrow.
• 11:48
  We've
• 11:48
  got
• 11:49
  a
• 11:49
  voicemail
• 11:50
  from
• 11:50
  somebody
• 11:50
  that
• 11:50
  did
• 11:51
  just
• 11:51
  that
• 11:52
  because
• 11:52
  I
• 11:52
  would
• 11:52
  truly
• 11:53
  be
• 11:53
  honored
• 11:53
  to
• 11:54
  walk
• 11:54
  you
• 11:54
  through
• 11:54
  an
• 11:55
  upcoming
• 11:55
  episode
• 11:56
  that
• 11:56
  we'll
• 11:56
  be
• 11:56
  talking
• 11:57
  about.
• 11:57
  So
• 11:58
  thank
• 11:58
  you
• 11:58
  so
• 11:58
  much
• 11:58
  for
• 11:58
  joining
• 11:59
  me
• 11:59
  today.
• 12:00
  I
• 12:00
  want
• 12:00
  to
• 12:00
  encourage
• 12:01
  you,
• 12:01
  stay
• 12:01
  financially
• 12:02
  savvy,
• 12:03
  know
• 12:03
  that
• 12:03
  God
• 12:04
  is
• 12:04
  with
• 12:04
  you,
• 12:04
  and
• 12:05
  have
• 12:05
  a
• 12:05
  great
• 12:05
  day
• 12:06
  today.