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Transcript

How Can I Support My Child’s Big Dreams Without Debt? · Becoming Financially Confident

• 0:37
  What
• 0:37
  do
• 0:37
  you
• 0:37
  do
• 0:38
  when
• 0:38
  your
• 0:38
  child's
• 0:39
  dream
• 0:39
  could
• 0:39
  become
• 0:39
  a
• 0:40
  lifetime
• 0:40
  of
• 0:40
  debt?
• 0:41
  On
• 0:41
  this
• 0:41
  episode,
• 0:42
  I
• 0:42
  want
• 0:42
  to
• 0:42
  talk
• 0:43
  to
• 0:43
  a
• 0:43
  parent
• 0:43
  whose
• 0:44
  daughter
• 0:44
  is
• 0:44
  set
• 0:44
  on
• 0:45
  a
• 0:45
  super
• 0:45
  expensive
• 0:46
  school,
• 0:47
  and
• 0:47
  she's
• 0:47
  torn
• 0:47
  between
• 0:48
  supporting
• 0:48
  her
• 0:48
  dream
• 0:49
  and
• 0:49
  warning
• 0:50
  her
• 0:50
  about
• 0:50
  the
• 0:50
  financial
• 0:51
  weight
• 0:51
  she
• 0:51
  might
• 0:52
  not
• 0:52
  fully
• 0:52
  understand.
• 0:54
  So
• 0:54
  today's
• 0:54
  question
• 0:55
  is
• 0:55
  this.
• 0:56
  How
• 0:56
  do
• 0:56
  you
• 0:56
  lead
• 0:57
  with
• 0:57
  love
• 0:58
  without
• 0:58
  staying
• 0:59
  silent
• 0:59
  about
• 0:59
  the
• 0:59
  cost?
• 1:00
  That's
• 1:01
  we're
• 1:01
  going
• 1:01
  to
• 1:01
  break
• 1:01
  down
• 1:01
  on
• 1:01
  today's
• 1:02
  show.
• 1:22
  Hey,
• 1:22
  friend.
• 1:23
  Ralph
• 1:23
  Estep
• 1:24
  Jr.
• 1:24
  Here.
• 1:24
  Welcome
• 1:25
  to
• 1:25
  Financially
• 1:26
  Confident
• 1:26
  Christian,
• 1:27
  where
• 1:27
  every
• 1:27
  day
• 1:28
  my
• 1:28
  goal
• 1:28
  is
• 1:28
  to
• 1:28
  help
• 1:28
  you
• 1:29
  break
• 1:29
  that
• 1:29
  cycle
• 1:30
  of
• 1:30
  financial
• 1:30
  shame
• 1:31
  and
• 1:31
  live
• 1:32
  in
• 1:32
  confidence.
• 1:33
  And
• 1:33
  today's
• 1:34
  topic
• 1:34
  is
• 1:34
  a
• 1:35
  tough
• 1:35
  one
• 1:35
  for
• 1:35
  any
• 1:36
  parent,
• 1:37
  and
• 1:37
  that's
• 1:37
  how
• 1:37
  do
• 1:37
  you
• 1:38
  guide
• 1:38
  your
• 1:38
  children's
• 1:39
  big
• 1:39
  dreams
• 1:40
  without
• 1:40
  leading
• 1:41
  them
• 1:41
  into
• 1:41
  debt?
• 1:41
  Well,
• 1:42
  let's
• 1:42
  get
• 1:42
  right
• 1:42
  into
• 1:43
  our
• 1:43
  listener
• 1:43
  question,
• 1:44
  and
• 1:44
  this
• 1:44
  one
• 1:44
  came
• 1:44
  in
• 1:45
  by
• 1:45
  voicemail.
• 1:47
  Ralph
• 1:47
  My
• 1:48
  daughter
• 1:48
  has
• 1:48
  her
• 1:48
  heart
• 1:49
  set
• 1:49
  on
• 1:49
  an
• 1:49
  expensive
• 1:50
  school,
• 1:51
  and
• 1:51
  I
• 1:51
  feel
• 1:52
  torn
• 1:52
  in
• 1:52
  a
• 1:52
  way
• 1:52
  I
• 1:52
  didn't
• 1:53
  expect.
• 1:54
  I'm
• 1:54
  so
• 1:55
  proud
• 1:55
  of
• 1:55
  her
• 1:55
  for
• 1:55
  dreaming
• 1:56
  big
• 1:56
  and
• 1:56
  working
• 1:57
  hard,
• 1:58
  especially
• 1:58
  after
• 1:59
  everything
• 1:59
  she's
• 2:00
  been
• 2:00
  through.
• 2:01
  At
• 2:01
  the
• 2:02
  same
• 2:02
  time,
• 2:03
  I
• 2:03
  can
• 2:03
  see
• 2:03
  the
• 2:03
  rate
• 2:04
  of
• 2:04
  the
• 2:04
  debt
• 2:04
  she
• 2:04
  might
• 2:05
  be
• 2:05
  stepping
• 2:05
  into,
• 2:06
  and
• 2:06
  it
• 2:06
  honestly
• 2:07
  makes
• 2:07
  me
• 2:08
  anxious.
• 2:09
  I
• 2:09
  don't
• 2:10
  have
• 2:10
  the
• 2:10
  means
• 2:10
  to
• 2:10
  support
• 2:11
  her
• 2:11
  financially
• 2:12
  and
• 2:12
  I'm
• 2:12
  trying
• 2:13
  to
• 2:13
  guide
• 2:13
  her
• 2:13
  toward
• 2:14
  a
• 2:14
  wiser
• 2:14
  path,
• 2:15
  but
• 2:15
  she
• 2:16
  doesn't
• 2:16
  want
• 2:16
  to
• 2:16
  change
• 2:17
  her
• 2:17
  plans.
• 2:19
  I
• 2:19
  don't
• 2:19
  want
• 2:19
  to
• 2:20
  crush
• 2:20
  her
• 2:20
  dreams
• 2:21
  yet.
• 2:21
  I
• 2:21
  also
• 2:22
  don't
• 2:22
  want
• 2:22
  her
• 2:22
  to
• 2:22
  carry
• 2:23
  a
• 2:23
  burden
• 2:23
  she
• 2:24
  doesn't
• 2:24
  fully
• 2:24
  understand.
• 2:26
  How
• 2:26
  do
• 2:26
  I
• 2:27
  navigate
• 2:27
  this
• 2:27
  as
• 2:27
  a
• 2:28
  parent
• 2:28
  with
• 2:29
  both
• 2:29
  love
• 2:30
  and
• 2:30
  wisdom.
• 2:32
  Yeah,
• 2:32
  this
• 2:33
  is
• 2:33
  a
• 2:33
  tough
• 2:33
  one.
• 2:33
  As
• 2:34
  I
• 2:34
  thought
• 2:34
  through
• 2:34
  this
• 2:34
  one.
• 2:35
  I
• 2:35
  have
• 2:35
  two
• 2:35
  boys
• 2:35
  I've
• 2:36
  mentioned
• 2:36
  on
• 2:36
  the
• 2:36
  show
• 2:37
  before,
• 2:37
  24
• 2:38
  and
• 2:38
  almost
• 2:39
  29
• 2:39
  now.
• 2:40
  And
• 2:40
  this
• 2:41
  is
• 2:41
  a
• 2:41
  conversation
• 2:42
  that's
• 2:42
  a
• 2:42
  really
• 2:43
  tough
• 2:43
  one
• 2:44
  because
• 2:44
  you
• 2:44
  see
• 2:44
  your
• 2:45
  child
• 2:45
  there,
• 2:45
  they've
• 2:46
  got
• 2:46
  these,
• 2:46
  these,
• 2:46
  these
• 2:47
  choice
• 2:47
  dream
• 2:48
  about.
• 2:48
  They
• 2:48
  want
• 2:48
  to
• 2:48
  go
• 2:48
  to
• 2:49
  this
• 2:49
  school
• 2:50
  and
• 2:50
  we're
• 2:51
  a
• 2:51
  little
• 2:51
  bit
• 2:51
  older
• 2:52
  and
• 2:52
  we
• 2:52
  can
• 2:52
  say,
• 2:52
  yeah,
• 2:52
  but
• 2:52
  that
• 2:53
  sounds
• 2:53
  good,
• 2:53
  but
• 2:53
  what
• 2:53
  about
• 2:54
  this?
• 2:55
  And
• 2:55
  that's
• 2:55
  one
• 2:55
  of
• 2:56
  those
• 2:56
  moments
• 2:56
  that's
• 2:57
  so
• 2:57
  difficult
• 2:58
  when
• 2:58
  you're
• 2:59
  a
• 2:59
  parent
• 3:00
  because
• 3:00
  you're
• 3:01
  trying
• 3:01
  to
• 3:01
  hold
• 3:01
  two
• 3:01
  things
• 3:02
  at
• 3:02
  the
• 3:02
  same
• 3:02
  time.
• 3:03
  And
• 3:03
  that's
• 3:03
  the
• 3:03
  impossible
• 3:04
  part
• 3:04
  of
• 3:04
  this.
• 3:05
  You're
• 3:05
  trying
• 3:06
  to
• 3:06
  hold
• 3:06
  that
• 3:06
  love
• 3:06
  for
• 3:07
  your
• 3:07
  child's
• 3:07
  dreams,
• 3:08
  but
• 3:08
  you're
• 3:08
  also
• 3:09
  concerned
• 3:09
  for
• 3:09
  their
• 3:10
  future.
• 3:11
  And
• 3:11
  both
• 3:12
  of
• 3:12
  those
• 3:12
  things
• 3:12
  matter
• 3:13
  and
• 3:14
  you're
• 3:14
  not
• 3:14
  wrong
• 3:14
  for
• 3:14
  feeling
• 3:15
  this
• 3:15
  tension.
• 3:15
  I'm
• 3:16
  so
• 3:16
  happy
• 3:16
  you
• 3:16
  sent
• 3:16
  in
• 3:16
  this
• 3:17
  question
• 3:17
  because
• 3:17
  this
• 3:17
  is
• 3:18
  a
• 3:18
  tension
• 3:18
  that
• 3:19
  so
• 3:19
  many
• 3:20
  parents
• 3:20
  feel.
• 3:21
  And
• 3:22
  wise
• 3:22
  parenting
• 3:23
  doesn't
• 3:23
  mean
• 3:23
  choosing
• 3:24
  between
• 3:24
  love
• 3:25
  and
• 3:25
  truth.
• 3:26
  It
• 3:27
  means
• 3:27
  holding
• 3:27
  both
• 3:28
  together.
• 3:29
  So
• 3:29
  let's
• 3:30
  talk
• 3:30
  about
• 3:31
  how
• 3:31
  do
• 3:31
  we
• 3:31
  make
• 3:32
  that
• 3:32
  happen?
• 3:33
  I
• 3:33
  think
• 3:33
  you've
• 3:34
  got
• 3:34
  to
• 3:34
  affirm
• 3:35
  the
• 3:35
  dream
• 3:35
  before
• 3:36
  addressing
• 3:36
  the
• 3:36
  cost.
• 3:37
  I
• 3:37
  think
• 3:37
  you've
• 3:37
  got
• 3:37
  to
• 3:37
  start
• 3:38
  there.
• 3:38
  Your
• 3:39
  daughter
• 3:39
  needs
• 3:39
  to
• 3:39
  feel
• 3:40
  seen.
• 3:41
  She's
• 3:41
  worked
• 3:41
  hard
• 3:42
  to
• 3:42
  get
• 3:42
  to
• 3:42
  this
• 3:43
  point.
• 3:43
  You
• 3:43
  got
• 3:44
  to
• 3:44
  appreciate
• 3:44
  her
• 3:44
  effort,
• 3:45
  her
• 3:45
  resilience,
• 3:46
  and
• 3:46
  her
• 3:47
  vision
• 3:47
  for
• 3:47
  the
• 3:47
  future.
• 3:48
  You
• 3:48
  don't
• 3:48
  want
• 3:48
  to
• 3:48
  stifle
• 3:49
  that.
• 3:49
  Maybe
• 3:50
  you
• 3:50
  start
• 3:50
  by
• 3:50
  saying
• 3:51
  something
• 3:51
  like,
• 3:51
  hey,
• 3:52
  I'm
• 3:52
  so
• 3:52
  proud
• 3:52
  of
• 3:52
  you.
• 3:53
  I
• 3:53
  see
• 3:54
  how
• 3:54
  hard
• 3:54
  you've
• 3:55
  worked
• 3:55
  for
• 3:55
  this.
• 3:56
  Because
• 3:57
  when
• 3:57
  she
• 3:57
  feels
• 3:57
  supported,
• 3:58
  she's
• 3:59
  more
• 3:59
  open
• 3:59
  to
• 3:59
  be
• 3:59
  guided.
• 4:00
  But
• 4:00
  if
• 4:00
  you
• 4:00
  start
• 4:00
  off
• 4:01
  with,
• 4:02
  this
• 4:02
  is
• 4:02
  so
• 4:03
  outrageously
• 4:03
  expensive,
• 4:04
  you
• 4:04
  can't
• 4:04
  afford
• 4:05
  to
• 4:05
  do
• 4:05
  that.
• 4:05
  And
• 4:05
  as
• 4:06
  a
• 4:06
  parent,
• 4:06
  it's
• 4:07
  easy
• 4:07
  to
• 4:07
  get
• 4:08
  to
• 4:08
  that
• 4:08
  point
• 4:08
  because
• 4:08
  we
• 4:09
  see
• 4:09
  the
• 4:09
  bottom
• 4:10
  line,
• 4:10
  we
• 4:10
  see
• 4:10
  the
• 4:10
  numbers.
• 4:12
  But
• 4:12
  if
• 4:12
  we
• 4:12
  start
• 4:12
  off
• 4:13
  with
• 4:13
  affirming
• 4:14
  where
• 4:14
  they
• 4:14
  are
• 4:14
  now,
• 4:15
  at
• 4:15
  some
• 4:15
  point,
• 4:16
  you've
• 4:16
  got
• 4:16
  to
• 4:16
  shift
• 4:17
  the
• 4:17
  conversation
• 4:17
  from
• 4:18
  that
• 4:18
  emotion
• 4:19
  to.
• 4:19
  To
• 4:19
  the
• 4:19
  reality.
• 4:20
  Because
• 4:20
  right
• 4:21
  now
• 4:21
  I
• 4:22
  think
• 4:22
  your
• 4:22
  daughter's
• 4:23
  decision
• 4:23
  is
• 4:23
  very
• 4:24
  emotional.
• 4:25
  She
• 4:25
  may
• 4:25
  have
• 4:26
  friends
• 4:26
  going
• 4:26
  to
• 4:26
  this
• 4:26
  school.
• 4:27
  This
• 4:27
  may
• 4:27
  be
• 4:27
  her.
• 4:28
  Her
• 4:28
  dream
• 4:28
  location,
• 4:29
  the
• 4:29
  dream
• 4:29
  where
• 4:30
  she
• 4:30
  always
• 4:30
  went
• 4:30
  to
• 4:30
  go.
• 4:31
  But
• 4:32
  you've
• 4:32
  got
• 4:32
  to
• 4:32
  gently
• 4:33
  bring
• 4:33
  this
• 4:33
  back
• 4:33
  into
• 4:34
  reality.
• 4:35
  And
• 4:35
  this
• 4:35
  is
• 4:36
  a
• 4:36
  delicate.
• 4:36
  You
• 4:37
  know,
• 4:37
  they
• 4:37
  talk
• 4:37
  about
• 4:37
  walking
• 4:38
  a
• 4:38
  tightrope.
• 4:38
  This
• 4:39
  is
• 4:39
  super
• 4:39
  delicate.
• 4:40
  It's
• 4:40
  a
• 4:40
  hard
• 4:40
  thing
• 4:41
  to
• 4:41
  do.
• 4:41
  But
• 4:42
  one
• 4:42
  of
• 4:42
  the
• 4:42
  things
• 4:42
  that
• 4:42
  I'm
• 4:42
  going
• 4:43
  to
• 4:43
  recommend
• 4:43
  you
• 4:43
  do
• 4:43
  is
• 4:44
  walk
• 4:44
  through
• 4:44
  the
• 4:45
  total
• 4:45
  cost
• 4:45
  of
• 4:45
  the
• 4:46
  school.
• 4:47
  What
• 4:47
  is
• 4:47
  this
• 4:47
  really
• 4:47
  going
• 4:48
  to
• 4:48
  cost?
• 4:48
  Not
• 4:48
  just
• 4:49
  tuition,
• 4:49
  but
• 4:50
  books,
• 4:51
  fees,
• 4:52
  living,
• 4:52
  meals,
• 4:53
  travel
• 4:54
  back
• 4:54
  and
• 4:54
  forth.
• 4:54
  A
• 4:55
  lot
• 4:55
  of
• 4:55
  people
• 4:55
  don't
• 4:55
  think
• 4:55
  about
• 4:55
  all
• 4:56
  those
• 4:56
  ancillary
• 4:57
  expenses.
• 4:58
  You
• 4:58
  got
• 4:58
  to
• 4:58
  really
• 4:59
  lay
• 4:59
  that
• 4:59
  out
• 4:59
  in
• 4:59
  black
• 5:00
  and
• 5:00
  white
• 5:00
  terms.
• 5:01
  And
• 5:01
  once
• 5:01
  you
• 5:01
  do
• 5:02
  that,
• 5:02
  then
• 5:02
  you've
• 5:03
  got
• 5:03
  to
• 5:03
  estimate
• 5:03
  the
• 5:03
  debt.
• 5:04
  You
• 5:04
  were
• 5:04
  very
• 5:04
  clear.
• 5:05
  You're
• 5:05
  not
• 5:05
  in
• 5:06
  a
• 5:06
  position
• 5:06
  to
• 5:06
  financially
• 5:07
  assist
• 5:08
  her.
• 5:08
  Now,
• 5:08
  I
• 5:08
  don't
• 5:08
  know
• 5:08
  exactly
• 5:09
  what
• 5:09
  that
• 5:09
  means.
• 5:10
  Maybe
• 5:10
  that
• 5:11
  means
• 5:11
  you
• 5:11
  can't
• 5:11
  afford
• 5:11
  to
• 5:12
  pay
• 5:12
  the
• 5:12
  full
• 5:12
  tuition
• 5:13
  bill,
• 5:13
  but
• 5:13
  maybe
• 5:14
  you're
• 5:14
  still
• 5:14
  going
• 5:14
  to
• 5:14
  help
• 5:14
  out
• 5:15
  with
• 5:15
  travel
• 5:15
  costs
• 5:16
  or
• 5:16
  room
• 5:16
  and
• 5:17
  board
• 5:17
  costs.
• 5:18
  So
• 5:18
  you
• 5:18
  really
• 5:18
  got
• 5:19
  to
• 5:19
  sit
• 5:19
  down
• 5:19
  and
• 5:19
  figure
• 5:20
  out
• 5:20
  what
• 5:20
  this
• 5:21
  is
• 5:21
  actually
• 5:21
  going
• 5:21
  to
• 5:22
  cost.
• 5:22
  A
• 5:22
  little
• 5:22
  pet
• 5:22
  peeve
• 5:23
  of
• 5:23
  mine,
• 5:24
  colleges
• 5:24
  have
• 5:25
  made
• 5:25
  it
• 5:25
  super
• 5:25
  simple
• 5:26
  for
• 5:26
  people
• 5:27
  to
• 5:27
  go
• 5:27
  into
• 5:27
  debt
• 5:28
  up
• 5:28
  to
• 5:28
  their
• 5:28
  heads.
• 5:29
  I
• 5:29
  mean,
• 5:29
  it's
• 5:29
  just
• 5:29
  so
• 5:30
  easy
• 5:30
  to
• 5:30
  do
• 5:30
  it
• 5:31
  because
• 5:31
  you
• 5:31
  don't
• 5:32
  think
• 5:32
  about
• 5:32
  how
• 5:32
  much
• 5:33
  this
• 5:33
  is
• 5:33
  going
• 5:33
  to
• 5:33
  cost.
• 5:34
  They
• 5:34
  break
• 5:34
  it
• 5:34
  down
• 5:34
  by
• 5:35
  class
• 5:35
  or
• 5:35
  they
• 5:35
  break
• 5:36
  it
• 5:36
  down
• 5:36
  by
• 5:36
  semester.
• 5:37
  And
• 5:37
  then
• 5:38
  you
• 5:38
  think,
• 5:38
  okay,
• 5:38
  well,
• 5:38
  if
• 5:38
  I'm
• 5:39
  going
• 5:39
  to
• 5:39
  be
• 5:39
  here
• 5:39
  for
• 5:39
  four
• 5:40
  years
• 5:40
  or
• 5:40
  five
• 5:40
  years,
• 5:41
  this
• 5:41
  is
• 5:41
  what
• 5:42
  it's
• 5:42
  going
• 5:42
  to
• 5:42
  cost
• 5:42
  to
• 5:42
  estimate
• 5:43
  what
• 5:43
  that
• 5:43
  looks
• 5:43
  like.
• 5:44
  But
• 5:44
  even
• 5:44
  bigger
• 5:44
  than
• 5:45
  that,
• 5:45
  and
• 5:45
  this
• 5:46
  is
• 5:46
  a
• 5:46
  step
• 5:46
  a
• 5:46
  lot
• 5:46
  of
• 5:46
  people
• 5:47
  don't
• 5:47
  think
• 5:47
  about.
• 5:48
  What
• 5:48
  is
• 5:48
  this
• 5:48
  going
• 5:49
  to
• 5:49
  cost
• 5:49
  you
• 5:49
  afterward?
• 5:51
  I'll
• 5:51
  give
• 5:51
  you
• 5:51
  a
• 5:51
  great
• 5:51
  example.
• 5:52
  When
• 5:52
  you
• 5:52
  go
• 5:52
  buy
• 5:52
  a
• 5:53
  house,
• 5:53
  one
• 5:54
  of
• 5:54
  the
• 5:54
  things
• 5:54
  that
• 5:54
  a
• 5:55
  lender
• 5:55
  has
• 5:55
  to
• 5:55
  give
• 5:56
  you
• 5:56
  is
• 5:56
  what's
• 5:56
  called
• 5:57
  a
• 5:57
  disclosure.
• 5:58
  They're
• 5:58
  going
• 5:58
  to
• 5:58
  say
• 5:58
  to
• 5:58
  you,
• 5:58
  hey,
• 5:59
  if
• 5:59
  you
• 5:59
  take
• 5:59
  this
• 6:00
  loan,
• 6:00
  here's
• 6:01
  what
• 6:01
  it's
• 6:01
  going
• 6:01
  to
• 6:01
  cost.
• 6:02
  I
• 6:02
  don't
• 6:02
  see
• 6:02
  anybody
• 6:03
  doing
• 6:03
  that
• 6:03
  in
• 6:03
  student
• 6:04
  loans.
• 6:04
  And
• 6:04
  I
• 6:04
  think
• 6:04
  that's
• 6:05
  a
• 6:05
  major
• 6:05
  problem.
• 6:06
  So
• 6:06
  this
• 6:06
  is
• 6:06
  an
• 6:07
  opportunity
• 6:07
  for
• 6:07
  you
• 6:08
  to
• 6:08
  do
• 6:08
  that.
• 6:08
  And
• 6:08
  I'm
• 6:08
  not
• 6:09
  saying
• 6:09
  that
• 6:09
  to
• 6:09
  scare
• 6:10
  her,
• 6:11
  but
• 6:11
  help
• 6:11
  her
• 6:11
  see
• 6:11
  the
• 6:12
  full
• 6:12
  picture.
• 6:13
  I
• 6:13
  have
• 6:13
  clients
• 6:13
  that
• 6:14
  are
• 6:14
  doctors.
• 6:14
  Their
• 6:15
  student
• 6:16
  loan
• 6:16
  payments
• 6:16
  are
• 6:16
  3,
• 6:17
  $4,000
• 6:18
  a
• 6:18
  month.
• 6:19
  Well,
• 6:19
  when
• 6:19
  you're
• 6:20
  first
• 6:20
  starting
• 6:20
  in
• 6:20
  a
• 6:21
  job,
• 6:21
  you
• 6:21
  might
• 6:21
  not
• 6:22
  be
• 6:22
  even
• 6:22
  making
• 6:22
  that
• 6:22
  much
• 6:23
  money.
• 6:24
  So
• 6:24
  set
• 6:24
  it
• 6:24
  out,
• 6:24
  lay
• 6:25
  it
• 6:25
  out
• 6:25
  there
• 6:25
  and
• 6:26
  help
• 6:26
  her
• 6:26
  then
• 6:26
  to
• 6:27
  understand
• 6:27
  the
• 6:27
  trade
• 6:28
  offs,
• 6:28
  not
• 6:29
  just
• 6:29
  the
• 6:29
  options.
• 6:29
  This
• 6:30
  is
• 6:30
  where
• 6:30
  we've
• 6:30
  got
• 6:30
  to
• 6:30
  grow
• 6:31
  some
• 6:31
  wisdom.
• 6:32
  It's
• 6:32
  not
• 6:32
  just
• 6:33
  this
• 6:33
  school
• 6:33
  or
• 6:34
  that
• 6:34
  school
• 6:34
  because
• 6:34
  your
• 6:35
  daughter's
• 6:35
  going
• 6:35
  to
• 6:35
  go
• 6:36
  to
• 6:36
  that
• 6:36
  emotional
• 6:36
  point.
• 6:37
  But
• 6:37
  mom,
• 6:37
  you
• 6:37
  want
• 6:38
  me
• 6:38
  to
• 6:38
  go
• 6:38
  to
• 6:38
  this
• 6:38
  school
• 6:38
  because
• 6:39
  this
• 6:39
  school's
• 6:39
  cheaper
• 6:40
  and
• 6:40
  I
• 6:40
  want
• 6:40
  to
• 6:41
  go
• 6:41
  over
• 6:41
  here.
• 6:42
  You've
• 6:42
  really
• 6:42
  got
• 6:42
  to
• 6:43
  lay
• 6:43
  out
• 6:43
  what
• 6:43
  that
• 6:43
  path
• 6:44
  looks
• 6:44
  like,
• 6:44
  what
• 6:44
  that
• 6:44
  journey
• 6:45
  looks
• 6:45
  like,
• 6:45
  because
• 6:46
  all
• 6:46
  those
• 6:46
  things
• 6:47
  come
• 6:47
  along
• 6:47
  with
• 6:47
  it.
• 6:48
  Every
• 6:49
  single
• 6:49
  choice
• 6:49
  has
• 6:50
  opportunities,
• 6:51
  it
• 6:51
  has
• 6:51
  limitations.
• 6:52
  And
• 6:52
  like
• 6:53
  you've
• 6:53
  alluded
• 6:53
  to,
• 6:54
  it's
• 6:54
  got
• 6:55
  this
• 6:55
  long
• 6:55
  term
• 6:56
  impact
• 6:57
  because
• 6:57
  you
• 6:57
  see
• 6:58
  it.
• 6:58
  Maybe
• 6:58
  you've
• 6:59
  got
• 6:59
  student
• 6:59
  loans,
• 6:59
  maybe
• 7:00
  you're
• 7:00
  still
• 7:00
  paying
• 7:00
  those
• 7:00
  student
• 7:01
  loans
• 7:01
  yourself
• 7:01
  or
• 7:02
  you
• 7:02
  know
• 7:02
  what
• 7:02
  it's
• 7:02
  like
• 7:02
  to
• 7:03
  see
• 7:03
  that,
• 7:03
  that,
• 7:04
  that
• 7:04
  debt
• 7:04
  around
• 7:05
  them.
• 7:05
  But
• 7:06
  that's
• 7:06
  where
• 7:06
  this
• 7:06
  learning
• 7:07
  can
• 7:07
  be
• 7:07
  part
• 7:07
  of
• 7:07
  the
• 7:08
  growth.
• 7:09
  But
• 7:09
  here's
• 7:09
  the
• 7:09
  thing,
• 7:09
  as
• 7:10
  a
• 7:10
  parent,
• 7:10
  this
• 7:11
  is
• 7:11
  the
• 7:11
  hardest
• 7:11
  part
• 7:12
  of
• 7:12
  that.
• 7:13
  You've
• 7:13
  got
• 7:13
  to
• 7:13
  come
• 7:14
  to
• 7:14
  full
• 7:14
  acceptance
• 7:14
  that
• 7:15
  yes,
• 7:15
  you
• 7:15
  can
• 7:15
  guide
• 7:16
  them,
• 7:16
  but
• 7:17
  you
• 7:17
  can't
• 7:17
  control
• 7:17
  them.
• 7:18
  I
• 7:18
  know
• 7:19
  in
• 7:19
  so
• 7:19
  many
• 7:19
  ways
• 7:20
  when
• 7:20
  my
• 7:20
  boys
• 7:20
  were
• 7:21
  younger,
• 7:21
  I
• 7:21
  had
• 7:22
  this
• 7:22
  opportunity.
• 7:22
  I'm
• 7:23
  going
• 7:23
  to
• 7:23
  take
• 7:23
  care
• 7:23
  of
• 7:23
  this.
• 7:23
  I'm
• 7:24
  going
• 7:24
  to
• 7:24
  show
• 7:24
  them
• 7:24
  what
• 7:24
  to
• 7:25
  do.
• 7:25
  Well,
• 7:26
  after
• 7:26
  I
• 7:26
  beat
• 7:26
  my
• 7:26
  head
• 7:27
  against
• 7:27
  the
• 7:27
  wall
• 7:27
  enough
• 7:27
  times,
• 7:28
  I
• 7:28
  realized,
• 7:29
  yeah,
• 7:29
  I
• 7:29
  can
• 7:29
  guide
• 7:30
  them,
• 7:30
  but
• 7:30
  I
• 7:31
  can't
• 7:31
  control
• 7:31
  them.
• 7:32
  So
• 7:33
  that's
• 7:33
  exactly
• 7:33
  where
• 7:33
  you
• 7:33
  are.
• 7:34
  You
• 7:34
  can
• 7:34
  explain
• 7:34
  things,
• 7:35
  you
• 7:35
  can
• 7:35
  support
• 7:36
  them,
• 7:36
  you
• 7:36
  can
• 7:37
  provide
• 7:37
  your
• 7:37
  perspective,
• 7:38
  but
• 7:38
  you
• 7:39
  can't
• 7:39
  decide
• 7:39
  for
• 7:40
  her.
• 7:41
  And
• 7:41
  that
• 7:42
  doesn't
• 7:42
  mean
• 7:42
  you
• 7:42
  failed
• 7:43
  as
• 7:43
  a
• 7:43
  parent.
• 7:44
  A
• 7:44
  lot
• 7:44
  of
• 7:44
  us
• 7:44
  take
• 7:45
  that
• 7:45
  internally,
• 7:45
  say,
• 7:45
  well,
• 7:46
  you
• 7:46
  know,
• 7:46
  she
• 7:46
  didn't
• 7:47
  make
• 7:47
  the
• 7:47
  decision
• 7:47
  that
• 7:47
  I
• 7:48
  would
• 7:48
  have
• 7:48
  made.
• 7:49
  That
• 7:49
  doesn't
• 7:50
  mean
• 7:50
  you
• 7:50
  failed.
• 7:52
  It
• 7:52
  means
• 7:52
  you've
• 7:52
  done
• 7:52
  your
• 7:53
  role.
• 7:53
  If
• 7:53
  you've
• 7:53
  laid
• 7:54
  out
• 7:54
  the
• 7:54
  options,
• 7:54
  if
• 7:54
  you've
• 7:55
  said,
• 7:55
  okay,
• 7:55
  here's
• 7:56
  your
• 7:56
  options.
• 7:56
  Here's
• 7:57
  the
• 7:57
  total
• 7:57
  debt
• 7:58
  you're
• 7:58
  going
• 7:58
  to
• 7:58
  take
• 7:58
  on.
• 7:58
  Here's
• 7:59
  the
• 7:59
  after
• 8:00
  payment
• 8:00
  debt
• 8:01
  you're
• 8:01
  going
• 8:01
  to
• 8:01
  have.
• 8:01
  These
• 8:01
  are
• 8:01
  payments
• 8:02
  you're
• 8:02
  going
• 8:02
  to
• 8:02
  make.
• 8:03
  You've
• 8:03
  done
• 8:03
  your
• 8:03
  role,
• 8:05
  which
• 8:05
  leads
• 8:06
  me
• 8:06
  to
• 8:06
  this.
• 8:06
  Just
• 8:06
  stay
• 8:07
  anchored
• 8:07
  in
• 8:07
  your
• 8:08
  role
• 8:08
  as
• 8:08
  a
• 8:08
  steady
• 8:09
  voice.
• 8:10
  Your
• 8:11
  role
• 8:11
  is
• 8:11
  not
• 8:11
  to
• 8:11
  eliminate
• 8:12
  every
• 8:12
  risk.
• 8:13
  I
• 8:13
  wish
• 8:13
  as
• 8:13
  a
• 8:13
  parent,
• 8:14
  as
• 8:14
  a
• 8:14
  dad,
• 8:15
  I'm
• 8:15
  going
• 8:15
  to
• 8:15
  be
• 8:15
  a
• 8:15
  grandfather
• 8:16
  here
• 8:16
  pretty
• 8:17
  soon.
• 8:17
  I
• 8:17
  wish
• 8:18
  there
• 8:18
  was
• 8:18
  a
• 8:18
  way
• 8:18
  for
• 8:18
  me
• 8:18
  to
• 8:19
  eliminate
• 8:19
  every
• 8:19
  risk
• 8:20
  for
• 8:20
  my
• 8:20
  children
• 8:20
  and
• 8:21
  my
• 8:21
  grandchildren,
• 8:22
  but
• 8:22
  I
• 8:23
  can't
• 8:23
  do
• 8:23
  that.
• 8:24
  But
• 8:24
  the
• 8:24
  role
• 8:24
  I
• 8:25
  can
• 8:25
  take
• 8:25
  on
• 8:25
  is
• 8:25
  I
• 8:26
  can
• 8:26
  be
• 8:26
  that
• 8:26
  steady
• 8:26
  voice,
• 8:27
  I
• 8:27
  can
• 8:28
  be
• 8:28
  that
• 8:28
  source
• 8:28
  of
• 8:29
  wisdom
• 8:29
  and
• 8:29
  I
• 8:30
  can
• 8:30
  be
• 8:30
  that
• 8:30
  support
• 8:31
  system.
• 8:31
  I
• 8:31
  can
• 8:31
  be
• 8:31
  that
• 8:32
  shoulder
• 8:32
  to
• 8:32
  cry
• 8:32
  on
• 8:33
  or
• 8:33
  that
• 8:33
  person
• 8:34
  that
• 8:34
  they
• 8:34
  go
• 8:34
  to.
• 8:34
  I
• 8:34
  love
• 8:35
  it
• 8:35
  when
• 8:35
  my
• 8:35
  boys
• 8:35
  call
• 8:35
  me
• 8:36
  and
• 8:36
  they
• 8:36
  say,
• 8:36
  dad,
• 8:36
  I've
• 8:37
  got
• 8:37
  this
• 8:37
  decision
• 8:37
  to
• 8:38
  make.
• 8:38
  What
• 8:39
  do
• 8:39
  you
• 8:39
  think
• 8:39
  I
• 8:39
  should
• 8:39
  do
• 8:40
  now?
• 8:40
  Honestly,
• 8:41
  I'm
• 8:41
  a
• 8:41
  problem
• 8:41
  solver.
• 8:42
  So
• 8:42
  for
• 8:42
  me,
• 8:42
  right
• 8:42
  from
• 8:43
  the
• 8:43
  jump,
• 8:43
  I'm
• 8:43
  like,
• 8:43
  okay,
• 8:43
  here's
• 8:44
  what
• 8:44
  you
• 8:44
  should
• 8:44
  do.
• 8:45
  But
• 8:45
  as
• 8:45
  I've
• 8:45
  gotten
• 8:46
  a
• 8:46
  little
• 8:46
  wiser,
• 8:47
  I've
• 8:47
  realized
• 8:47
  the
• 8:47
  best
• 8:48
  role
• 8:48
  for
• 8:48
  me
• 8:49
  is
• 8:49
  just
• 8:49
  talk
• 8:50
  them
• 8:50
  through
• 8:50
  it,
• 8:51
  to
• 8:51
  counsel
• 8:52
  them
• 8:52
  through
• 8:52
  it.
• 8:53
  And
• 8:53
  we
• 8:53
  have
• 8:54
  to
• 8:54
  accept
• 8:54
  it.
• 8:54
  Even
• 8:54
  if
• 8:55
  she
• 8:55
  chooses
• 8:55
  differently
• 8:56
  than
• 8:56
  you
• 8:56
  do,
• 8:57
  even
• 8:57
  when
• 8:57
  my
• 8:57
  boys
• 8:58
  may
• 8:58
  choose
• 8:58
  decisions
• 8:59
  that
• 8:59
  I
• 8:59
  wouldn't
• 8:59
  have
• 8:59
  made,
• 9:00
  the
• 9:01
  fact
• 9:01
  that
• 9:01
  your
• 9:02
  presence
• 9:02
  is
• 9:02
  there
• 9:02
  still
• 9:03
  matters.
• 9:04
  And
• 9:04
  I
• 9:04
  want
• 9:04
  to
• 9:05
  take
• 9:05
  this
• 9:05
  a
• 9:05
  little
• 9:05
  deeper
• 9:06
  because
• 9:06
  parenting
• 9:07
  decisions
• 9:07
  like
• 9:08
  this
• 9:08
  carry
• 9:08
  a
• 9:09
  lot
• 9:09
  of
• 9:09
  weight.
• 9:09
  I
• 9:09
  can
• 9:09
  sense
• 9:10
  it
• 9:10
  in
• 9:10
  your
• 9:10
  voice.
• 9:11
  I
• 9:11
  can
• 9:11
  tell.
• 9:11
  It's
• 9:12
  like
• 9:12
  you
• 9:12
  see
• 9:12
  the
• 9:13
  train
• 9:13
  coming,
• 9:13
  the
• 9:14
  track
• 9:14
  is
• 9:14
  shaking,
• 9:15
  the
• 9:15
  ground
• 9:15
  is
• 9:15
  rumbling,
• 9:16
  and
• 9:16
  you're
• 9:16
  like,
• 9:16
  I
• 9:17
  just
• 9:17
  want
• 9:17
  to
• 9:17
  protect
• 9:18
  them.
• 9:18
  I
• 9:19
  want
• 9:19
  to
• 9:19
  guide
• 9:19
  her.
• 9:21
  But
• 9:21
  your
• 9:21
  child's
• 9:22
  life
• 9:22
  is
• 9:22
  not
• 9:22
  yours
• 9:22
  to
• 9:23
  control.
• 9:23
  And
• 9:23
  I
• 9:23
  think
• 9:23
  as
• 9:23
  parents,
• 9:24
  we
• 9:24
  lose
• 9:24
  sight
• 9:24
  of
• 9:24
  that.
• 9:26
  It's
• 9:26
  ours
• 9:26
  to
• 9:27
  guide
• 9:27
  them,
• 9:28
  but
• 9:28
  it's
• 9:29
  theirs
• 9:29
  to
• 9:29
  walk.
• 9:30
  And
• 9:30
  we
• 9:30
  got
• 9:30
  to
• 9:31
  remember
• 9:31
  also
• 9:31
  in
• 9:31
  all
• 9:32
  these
• 9:32
  things,
• 9:32
  this
• 9:32
  show
• 9:32
  is
• 9:33
  about
• 9:33
  faith.
• 9:33
  God
• 9:34
  is
• 9:34
  guiding
• 9:34
  them
• 9:35
  too.
• 9:35
  So
• 9:36
  this
• 9:36
  is
• 9:36
  a
• 9:36
  great
• 9:36
  opportunity
• 9:37
  to
• 9:37
  just
• 9:37
  say
• 9:37
  to
• 9:38
  God,
• 9:38
  hey,
• 9:38
  God,
• 9:39
  help
• 9:39
  me
• 9:39
  guide
• 9:39
  with
• 9:40
  wisdom
• 9:40
  and
• 9:41
  release
• 9:41
  that
• 9:41
  trust
• 9:42
  to
• 9:42
  you.
• 9:44
  You're
• 9:44
  not
• 9:44
  failing
• 9:45
  as
• 9:45
  a
• 9:45
  parent.
• 9:46
  You're
• 9:47
  faithfully
• 9:47
  guiding
• 9:48
  through
• 9:48
  a
• 9:48
  hard
• 9:48
  decision.
• 9:48
  This
• 9:49
  is
• 9:49
  a
• 9:49
  very
• 9:50
  difficult
• 9:50
  decision
• 9:51
  with
• 9:51
  long
• 9:52
  term
• 9:52
  consequences.
• 9:53
  But
• 9:53
  I
• 9:54
  want
• 9:54
  to
• 9:54
  give
• 9:54
  you
• 9:54
  a
• 9:54
  win
• 9:54
  for
• 9:55
  today.
• 9:55
  Here's
• 9:56
  what
• 9:56
  I
• 9:56
  encourage
• 9:56
  you
• 9:56
  to
• 9:56
  do.
• 9:57
  Have
• 9:57
  one
• 9:57
  honest
• 9:58
  conversation,
• 9:59
  just
• 10:00
  one
• 10:00
  sentence,
• 10:01
  maybe
• 10:01
  Say
• 10:01
  something
• 10:01
  like,
• 10:02
  let's
• 10:02
  walk
• 10:02
  through
• 10:02
  this
• 10:02
  choice
• 10:03
  really,
• 10:03
  and
• 10:04
  what
• 10:04
  it
• 10:04
  really
• 10:04
  looks
• 10:04
  like
• 10:05
  together,
• 10:06
  that
• 10:06
  may
• 10:07
  be
• 10:07
  the
• 10:07
  little
• 10:07
  olive
• 10:08
  branch,
• 10:08
  because
• 10:08
  that
• 10:09
  clarity
• 10:09
  is
• 10:10
  going
• 10:10
  to
• 10:10
  help
• 10:10
  build
• 10:11
  better
• 10:11
  decisions.
• 10:12
  Well,
• 10:13
  let's
• 10:13
  get
• 10:13
  to
• 10:13
  our
• 10:13
  scripture
• 10:14
  verse
• 10:14
  today.
• 10:15
  We're
• 10:15
  going
• 10:15
  to
• 10:15
  go
• 10:15
  to
• 10:16
  Proverbs,
• 10:16
  chapter
• 10:16
  22,
• 10:17
  verse
• 10:17
  6.
• 10:18
  And
• 10:18
  I've
• 10:19
  used
• 10:19
  this
• 10:19
  on
• 10:19
  the
• 10:19
  show
• 10:19
  many
• 10:20
  times,
• 10:20
  and
• 10:20
  this
• 10:20
  is
• 10:20
  just
• 10:20
  absolutely
• 10:21
  brilliant
• 10:22
  for
• 10:22
  today.
• 10:22
  It
• 10:22
  says,
• 10:23
  start
• 10:23
  children
• 10:23
  off
• 10:24
  on
• 10:24
  the
• 10:24
  way
• 10:24
  they
• 10:24
  should
• 10:24
  go,
• 10:25
  and
• 10:26
  when
• 10:26
  they're
• 10:26
  old,
• 10:27
  they
• 10:27
  will
• 10:27
  not
• 10:27
  turn
• 10:28
  from
• 10:28
  it.
• 10:29
  As
• 10:30
  I
• 10:30
  said,
• 10:30
  your
• 10:31
  role
• 10:31
  is
• 10:31
  to
• 10:32
  guide
• 10:32
  and
• 10:32
  to
• 10:32
  teach
• 10:33
  with
• 10:33
  wisdom.
• 10:34
  And
• 10:34
  you
• 10:34
  just
• 10:35
  got
• 10:35
  to
• 10:35
  trust
• 10:35
  that
• 10:35
  those
• 10:35
  little
• 10:36
  seeds
• 10:36
  that
• 10:36
  you're
• 10:36
  planting
• 10:37
  are
• 10:38
  going
• 10:38
  to
• 10:38
  shape
• 10:38
  their
• 10:38
  future
• 10:39
  decisions.
• 10:39
  And
• 10:39
  I
• 10:40
  see
• 10:40
  that
• 10:40
  all
• 10:40
  the
• 10:40
  time
• 10:40
  with
• 10:40
  my
• 10:41
  kids.
• 10:41
  My
• 10:41
  oldest
• 10:42
  son
• 10:42
  will
• 10:42
  say
• 10:42
  to
• 10:42
  me,
• 10:42
  but
• 10:43
  Dad,
• 10:43
  I
• 10:43
  remember
• 10:43
  when
• 10:43
  I
• 10:44
  was
• 10:44
  10
• 10:44
  years
• 10:44
  old
• 10:44
  you
• 10:44
  told
• 10:45
  me
• 10:45
  this,
• 10:45
  and
• 10:45
  now
• 10:45
  he's
• 10:45
  living
• 10:46
  his
• 10:46
  life
• 10:46
  like
• 10:46
  that.
• 10:47
  It's
• 10:48
  those
• 10:48
  little
• 10:48
  seeds
• 10:49
  that's
• 10:49
  going
• 10:49
  to
• 10:49
  make
• 10:49
  an
• 10:50
  impact
• 10:50
  on
• 10:50
  the
• 10:50
  rest
• 10:50
  of
• 10:51
  their
• 10:51
  lives.
• 10:51
  How
• 10:52
  about
• 10:52
  we
• 10:52
  pray
• 10:52
  together?
• 10:53
  Heavenly
• 10:54
  Father,
• 10:55
  we
• 10:55
  lift
• 10:55
  up
• 10:55
  those
• 10:56
  who
• 10:56
  are
• 10:56
  guiding
• 10:56
  their
• 10:57
  children
• 10:57
  through
• 10:57
  important
• 10:58
  life
• 10:58
  decisions.
• 10:59
  And
• 11:00
  Lord,
• 11:00
  you
• 11:00
  see
• 11:00
  their
• 11:00
  love,
• 11:01
  you
• 11:01
  see
• 11:01
  their
• 11:01
  concern,
• 11:02
  and
• 11:02
  you
• 11:03
  see
• 11:03
  their
• 11:03
  desire
• 11:03
  to
• 11:03
  lead
• 11:04
  their
• 11:04
  children
• 11:04
  well.
• 11:05
  And
• 11:05
  I
• 11:06
  just
• 11:06
  said
• 11:06
  right
• 11:06
  now
• 11:06
  that
• 11:06
  you
• 11:06
  would
• 11:07
  give
• 11:07
  them
• 11:07
  wisdom
• 11:07
  in
• 11:08
  their
• 11:08
  words,
• 11:09
  patience
• 11:10
  in
• 11:10
  their
• 11:10
  conversations,
• 11:11
  and
• 11:11
  really
• 11:12
  peace
• 11:12
  in
• 11:12
  their
• 11:12
  role
• 11:13
  as
• 11:13
  a
• 11:13
  parent.
• 11:15
  Help
• 11:15
  them
• 11:15
  to
• 11:15
  speak
• 11:15
  truth
• 11:16
  with
• 11:16
  compassion
• 11:17
  and
• 11:17
  to
• 11:17
  trust
• 11:17
  you
• 11:18
  with
• 11:18
  what
• 11:18
  they
• 11:18
  really
• 11:18
  can't
• 11:19
  control.
• 11:20
  Guide
• 11:21
  their
• 11:21
  children's
• 11:21
  path
• 11:22
  and
• 11:22
  surround
• 11:22
  them
• 11:22
  with
• 11:23
  wisdom
• 11:23
  as
• 11:23
  they
• 11:23
  make
• 11:24
  their
• 11:24
  own
• 11:24
  decisions.
• 11:26
  And
• 11:26
  remind
• 11:26
  them
• 11:26
  always
• 11:27
  that
• 11:27
  none
• 11:27
  of
• 11:27
  us
• 11:28
  are
• 11:28
  alone
• 11:29
  in
• 11:29
  any
• 11:29
  of
• 11:29
  this.
• 11:30
  And
• 11:30
  you're
• 11:31
  working
• 11:31
  both
• 11:31
  in
• 11:31
  our
• 11:32
  hearts
• 11:32
  and
• 11:32
  our
• 11:32
  child's
• 11:33
  heart.
• 11:34
  And
• 11:34
  we
• 11:34
  ask
• 11:34
  this
• 11:35
  in
• 11:35
  Jesus
• 11:35
  name.
• 11:36
  Amen,
• 11:38
  friend.
• 11:39
  Guiding
• 11:39
  with
• 11:39
  love
• 11:39
  and
• 11:40
  wisdom
• 11:40
  matters
• 11:40
  more
• 11:41
  than
• 11:41
  controlling
• 11:41
  the
• 11:41
  outcome.
• 11:43
  That
• 11:43
  is
• 11:44
  just
• 11:44
  the
• 11:44
  truth
• 11:44
  for
• 11:44
  today.
• 11:45
  And
• 11:46
  if
• 11:46
  you're
• 11:46
  navigating
• 11:47
  tension
• 11:47
  like
• 11:47
  this
• 11:47
  with
• 11:47
  your
• 11:48
  own
• 11:48
  child,
• 11:48
  I
• 11:48
  would
• 11:49
  love
• 11:49
  to
• 11:49
  hear
• 11:49
  from
• 11:49
  you.
• 11:50
  You
• 11:50
  can
• 11:50
  go
• 11:50
  to
• 11:51
  our
• 11:51
  website
• 11:53
  at
• 11:54
  financiallyconfidentchristian.com/question.
• 11:55
  Whatever's
• 11:56
  going
• 11:56
  on
• 11:56
  in
• 11:56
  your
• 11:56
  financial
• 11:57
  world
• 11:57
  or
• 11:57
  your
• 11:58
  world
• 11:58
  with
• 11:58
  your
• 11:59
  children,
• 11:59
  if
• 11:59
  you
• 11:59
  want
• 11:59
  my
• 12:00
  guidance,
• 12:00
  I
• 12:00
  would
• 12:00
  love
• 12:00
  to
• 12:00
  hear
• 12:01
  from
• 12:01
  you
• 12:01
  again.
• 12:02
  That's
• 12:02
  financiallyconfidentchristian.com/question.
• 12:06
  I
• 12:06
  just
• 12:06
  want
• 12:06
  to
• 12:07
  thank
• 12:07
  you
• 12:07
  so
• 12:07
  much
• 12:07
  for
• 12:07
  joining
• 12:08
  me
• 12:08
  today.
• 12:09
  Stay
• 12:09
  financially
• 12:10
  savvy.
• 12:10
  May
• 12:10
  God
• 12:10
  bless
• 12:11
  you
• 12:11
  and
• 12:12
  you
• 12:12
  have
• 12:12
  a
• 12:12
  truly
• 12:13
  great
• 12:13
  day
• 12:13
  today.