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Why Do You Hide Your Wins? · Becoming Financially Confident

• 0:37
  It's
• 0:37
  Christmas
• 0:38
  Eve.
• 0:38
  It's
• 0:39
  a
• 0:39
  quiet
• 0:39
  moment.
• 0:39
  It's
• 0:40
  a
• 0:40
  time
• 0:40
  to
• 0:40
  take
• 0:40
  a
• 0:40
  breath
• 0:41
  before
• 0:41
  a
• 0:41
  new
• 0:41
  year
• 0:41
  begins
• 0:42
  and
• 0:43
  a
• 0:43
  moment
• 0:43
  to
• 0:43
  look
• 0:43
  back
• 0:44
  before
• 0:44
  we
• 0:44
  start
• 0:44
  looking
• 0:45
  ahead.
• 0:46
  And
• 0:46
  I
• 0:46
  want
• 0:46
  to
• 0:46
  talk
• 0:46
  about
• 0:47
  something
• 0:47
  a
• 0:47
  lot
• 0:47
  of
• 0:47
  us
• 0:48
  struggle
• 0:48
  with,
• 0:48
  especially
• 0:49
  this
• 0:49
  time
• 0:49
  of
• 0:50
  year,
• 0:50
  and
• 0:50
  that's
• 0:51
  celebrating
• 0:51
  our
• 0:51
  own
• 0:52
  progress.
• 0:53
  If
• 0:53
  you've
• 0:54
  been
• 0:54
  downplaying
• 0:55
  your
• 0:55
  wins,
• 0:55
  if
• 0:56
  you
• 0:56
  feel
• 0:56
  like
• 0:56
  you
• 0:56
  should
• 0:57
  have
• 0:57
  done
• 0:57
  more,
• 0:58
  if
• 0:58
  you're
• 0:58
  wondering
• 0:58
  whether
• 0:59
  anything
• 0:59
  you
• 0:59
  accomplished
• 1:00
  was
• 1:00
  even
• 1:00
  worth
• 1:01
  celebrating,
• 1:01
  I
• 1:02
  want
• 1:02
  to
• 1:02
  speak
• 1:02
  right
• 1:03
  into
• 1:03
  that
• 1:03
  today,
• 1:04
  because
• 1:04
  here's
• 1:05
  what
• 1:05
  I've
• 1:05
  learned
• 1:05
  and
• 1:06
  what
• 1:06
  I've
• 1:06
  seen
• 1:06
  in
• 1:06
  my
• 1:07
  own
• 1:07
  life
• 1:07
  and
• 1:07
  in
• 1:07
  the
• 1:08
  lives
• 1:08
  of
• 1:08
  so
• 1:08
  many
• 1:09
  others.
• 1:10
  Progress
• 1:10
  is
• 1:11
  still
• 1:11
  progress,
• 1:12
  even
• 1:13
  if
• 1:13
  the
• 1:13
  year
• 1:13
  wasn't
• 1:14
  perfect,
• 1:15
  even
• 1:15
  if
• 1:15
  it
• 1:15
  was
• 1:15
  messy,
• 1:16
  even
• 1:17
  if
• 1:17
  the
• 1:17
  goal
• 1:17
  shifted,
• 1:18
  even
• 1:19
  if
• 1:19
  you
• 1:19
  didn't
• 1:19
  hit
• 1:20
  everything
• 1:20
  you'd
• 1:20
  hoped
• 1:21
  for.
• 1:22
  Faithfulness
• 1:23
  has
• 1:23
  never
• 1:23
  required
• 1:24
  perfection.
• 1:25
  And
• 1:25
  God
• 1:26
  truly
• 1:26
  honors
• 1:26
  your
• 1:27
  steps,
• 1:28
  not
• 1:28
  your
• 1:28
  scorecard.
• 1:36
  Oh,
• 1:36
  we
• 1:37
  rise.
• 1:49
  Hello
• 1:49
  and
• 1:50
  welcome
• 1:50
  back,
• 1:51
  friend.
• 1:51
  My
• 1:51
  name
• 1:51
  is
• 1:52
  Ralph,
• 1:52
  and
• 1:52
  if
• 1:52
  this
• 1:53
  is
• 1:53
  the
• 1:53
  first
• 1:53
  time
• 1:53
  here,
• 1:53
  I
• 1:54
  just
• 1:54
  want
• 1:54
  to
• 1:54
  welcome
• 1:54
  you
• 1:54
  home.
• 1:55
  This
• 1:55
  is
• 1:55
  the
• 1:56
  financially
• 1:56
  confident
• 1:57
  Christian
• 1:57
  show
• 1:58
  where
• 1:58
  we
• 1:58
  talk
• 1:58
  about
• 1:59
  faith
• 1:59
  and
• 1:59
  we
• 1:59
  talk
• 2:00
  about
• 2:00
  finance.
• 2:00
  We
• 2:01
  talk
• 2:01
  about
• 2:01
  purpose
• 2:02
  and
• 2:02
  becoming
• 2:02
  the
• 2:03
  person
• 2:03
  God
• 2:03
  created
• 2:04
  you
• 2:04
  to
• 2:04
  be.
• 2:05
  One
• 2:05
  small,
• 2:06
  faithful
• 2:06
  step
• 2:06
  at
• 2:07
  a
• 2:07
  time.
• 2:07
  And
• 2:08
  today
• 2:08
  we
• 2:08
  celebrate.
• 2:09
  This
• 2:09
  is
• 2:09
  Christmas
• 2:09
  Eve,
• 2:10
  and
• 2:10
  I
• 2:11
  want
• 2:11
  us
• 2:11
  to
• 2:11
  just
• 2:11
  slow
• 2:11
  down
• 2:12
  a
• 2:12
  little
• 2:12
  bit
• 2:13
  and
• 2:13
  notice
• 2:13
  something.
• 2:14
  Most
• 2:14
  of
• 2:14
  us
• 2:14
  rush
• 2:15
  right
• 2:15
  past,
• 2:16
  and
• 2:16
  that's
• 2:16
  what
• 2:16
  God
• 2:17
  has
• 2:17
  already
• 2:17
  done
• 2:17
  in
• 2:18
  your
• 2:18
  life
• 2:18
  this
• 2:18
  year.
• 2:19
  Because
• 2:20
  before
• 2:20
  we
• 2:20
  make
• 2:20
  next
• 2:21
  year's
• 2:21
  goals,
• 2:22
  before
• 2:22
  those
• 2:22
  resolutions,
• 2:23
  and
• 2:23
  I
• 2:23
  gotta
• 2:23
  be
• 2:23
  honest
• 2:24
  with
• 2:24
  you,
• 2:24
  I
• 2:24
  hate
• 2:24
  New
• 2:25
  Year's
• 2:25
  resolutions.
• 2:26
  But
• 2:26
  before
• 2:27
  some
• 2:27
  of
• 2:27
  us
• 2:27
  make
• 2:27
  those,
• 2:28
  before
• 2:28
  the
• 2:28
  planning,
• 2:29
  God
• 2:29
  invites
• 2:30
  us
• 2:30
  to
• 2:30
  remember
• 2:31
  something.
• 2:32
  Someone
• 2:32
  wrote
• 2:33
  in
• 2:33
  and
• 2:33
  said
• 2:33
  this.
• 2:33
  And
• 2:33
  I
• 2:33
  picked
• 2:34
  this
• 2:34
  for
• 2:34
  today's
• 2:34
  show
• 2:34
  because
• 2:35
  I
• 2:35
  said,
• 2:35
  this
• 2:35
  is
• 2:35
  perfect,
• 2:37
  Ralph.
• 2:37
  I
• 2:37
  didn't
• 2:38
  hit
• 2:38
  every
• 2:38
  goal
• 2:38
  this
• 2:39
  year.
• 2:40
  Some
• 2:40
  things
• 2:40
  worked,
• 2:41
  but
• 2:41
  some
• 2:41
  didn't.
• 2:42
  Is
• 2:43
  it
• 2:43
  even
• 2:43
  worth
• 2:44
  celebrating
• 2:45
  anything?
• 2:46
  My
• 2:47
  heart
• 2:47
  sort
• 2:47
  of
• 2:47
  broke
• 2:47
  when
• 2:48
  I
• 2:48
  got
• 2:48
  that
• 2:48
  question.
• 2:49
  But
• 2:49
  then
• 2:50
  I
• 2:50
  realized
• 2:50
  that's
• 2:51
  a
• 2:51
  truly
• 2:51
  honest
• 2:51
  question.
• 2:53
  It's
• 2:53
  a
• 2:53
  question
• 2:53
  that
• 2:54
  brought
• 2:54
  out
• 2:54
  vulnerability.
• 2:56
  And
• 2:56
  if
• 2:56
  you're
• 2:57
  listening
• 2:57
  right
• 2:57
  now,
• 2:57
  you
• 2:58
  felt
• 2:58
  the
• 2:58
  same
• 2:58
  way.
• 2:59
  I
• 2:59
  want
• 2:59
  to
• 2:59
  encourage
• 3:00
  you.
• 3:00
  You're
• 3:00
  not
• 3:00
  alone
• 3:01
  in
• 3:01
  that.
• 3:02
  Let's
• 3:02
  be
• 3:02
  honest
• 3:03
  about
• 3:03
  what
• 3:03
  truly
• 3:04
  happens
• 3:04
  on
• 3:04
  Christmas
• 3:05
  Eve.
• 3:05
  For
• 3:06
  so
• 3:06
  many
• 3:06
  of
• 3:06
  us,
• 3:06
  the
• 3:06
  world
• 3:07
  gets
• 3:07
  quiet.
• 3:08
  And
• 3:09
  our
• 3:09
  thoughts,
• 3:09
  at
• 3:09
  least
• 3:10
  they,
• 3:10
  for
• 3:10
  me,
• 3:10
  they
• 3:10
  get
• 3:11
  loud.
• 3:12
  And
• 3:12
  on
• 3:13
  Christmas
• 3:13
  Eve,
• 3:13
  I
• 3:14
  don't
• 3:14
  know
• 3:14
  about
• 3:14
  you,
• 3:14
  but
• 3:14
  I
• 3:15
  tend
• 3:15
  to
• 3:15
  replay
• 3:15
  the
• 3:16
  entire
• 3:16
  year.
• 3:17
  I
• 3:17
  think
• 3:18
  about
• 3:18
  the
• 3:18
  mistakes
• 3:18
  of
• 3:19
  this
• 3:19
  past
• 3:19
  year.
• 3:20
  We
• 3:20
  focus
• 3:21
  on
• 3:21
  what
• 3:21
  we
• 3:21
  didn't
• 3:22
  get
• 3:22
  done.
• 3:23
  We
• 3:23
  think
• 3:23
  about
• 3:23
  the
• 3:23
  things
• 3:24
  we
• 3:24
  could
• 3:24
  have
• 3:24
  done
• 3:24
  better.
• 3:25
  And
• 3:26
  that
• 3:26
  Little
• 3:26
  voice
• 3:26
  says,
• 3:27
  I
• 3:28
  should
• 3:28
  have
• 3:28
  done
• 3:28
  more.
• 3:30
  But
• 3:30
  friend,
• 3:30
  I
• 3:30
  want
• 3:31
  you
• 3:31
  to
• 3:31
  hear
• 3:31
  this
• 3:31
  clearly.
• 3:32
  Your
• 3:33
  progress
• 3:34
  is
• 3:34
  still
• 3:35
  progress.
• 3:36
  And
• 3:36
  the
• 3:36
  things
• 3:37
  you
• 3:37
  dismiss
• 3:37
  or
• 3:37
  overlook
• 3:38
  might
• 3:39
  be
• 3:39
  the
• 3:39
  exact
• 3:39
  places
• 3:40
  where
• 3:40
  God
• 3:40
  was
• 3:40
  carrying
• 3:41
  you.
• 3:41
  I
• 3:41
  talked
• 3:41
  about
• 3:41
  that
• 3:41
  on
• 3:42
  the
• 3:42
  show
• 3:42
  a
• 3:42
  couple
• 3:42
  weeks
• 3:42
  ago.
• 3:43
  Sometimes
• 3:44
  God
• 3:44
  carries
• 3:45
  us.
• 3:46
  When
• 3:46
  we're
• 3:46
  weak,
• 3:46
  he's
• 3:47
  strong.
• 3:48
  Maybe
• 3:48
  those
• 3:48
  were
• 3:49
  the
• 3:49
  times
• 3:49
  when
• 3:49
  he
• 3:49
  was
• 3:49
  strengthening
• 3:50
  us.
• 3:51
  And
• 3:51
  maybe,
• 3:52
  just
• 3:52
  maybe,
• 3:53
  it's
• 3:53
  when
• 3:53
  he
• 3:53
  was
• 3:54
  shaping
• 3:54
  us
• 3:54
  the
• 3:54
  most.
• 3:55
  Let's
• 3:56
  talk
• 3:56
  about
• 3:56
  why
• 3:56
  this
• 3:57
  matters
• 3:57
  so
• 3:57
  much.
• 3:59
  Because
• 3:59
  this
• 3:59
  isn't
• 3:59
  just
• 4:00
  emotional.
• 4:00
  There's
• 4:01
  a
• 4:01
  real
• 4:01
  impact
• 4:02
  behind
• 4:02
  it.
• 4:04
  Study
• 4:04
  after
• 4:04
  study
• 4:05
  shows
• 4:05
  this.
• 4:07
  Gratitude
• 4:07
  builds
• 4:08
  resilience,
• 4:10
  gratitude
• 4:10
  reduces
• 4:11
  financial
• 4:11
  stress,
• 4:13
  and
• 4:13
  gratitude
• 4:14
  strengthens
• 4:14
  long
• 4:15
  term
• 4:15
  habits.
• 4:15
  It's
• 4:16
  just
• 4:16
  true.
• 4:17
  Studies
• 4:17
  have
• 4:17
  shown
• 4:18
  this.
• 4:19
  No,
• 4:19
  gratitude
• 4:20
  doesn't
• 4:20
  change
• 4:20
  the
• 4:21
  facts
• 4:21
  on
• 4:21
  the
• 4:21
  ground,
• 4:23
  but
• 4:23
  it
• 4:23
  can
• 4:23
  sure
• 4:23
  change
• 4:24
  the
• 4:24
  way
• 4:24
  you
• 4:24
  see
• 4:24
  the
• 4:25
  facts.
• 4:26
  And
• 4:26
  here's
• 4:26
  a
• 4:26
  truth.
• 4:27
  I
• 4:27
  love
• 4:28
  what
• 4:29
  you
• 4:29
  thank
• 4:29
  God
• 4:30
  for,
• 4:30
  you
• 4:31
  notice
• 4:31
  more
• 4:31
  of.
• 4:33
  And
• 4:33
  I
• 4:33
  want
• 4:33
  to
• 4:33
  repeat
• 4:34
  that.
• 4:34
  I
• 4:34
  want
• 4:34
  to
• 4:34
  park
• 4:34
  here
• 4:34
  for
• 4:35
  just
• 4:35
  a
• 4:35
  second
• 4:35
  because
• 4:35
  when
• 4:36
  I
• 4:36
  read
• 4:36
  that,
• 4:36
  I
• 4:36
  had
• 4:37
  to
• 4:37
  put
• 4:37
  it
• 4:37
  in
• 4:37
  today's
• 4:37
  show.
• 4:38
  But
• 4:38
  when
• 4:38
  you
• 4:38
  thank
• 4:39
  God
• 4:39
  for
• 4:39
  what
• 4:40
  you
• 4:40
  thank
• 4:40
  God
• 4:40
  for,
• 4:42
  you
• 4:42
  notice
• 4:42
  more
• 4:43
  of
• 4:43
  it.
• 4:44
  Gratitude
• 4:45
  helps
• 4:45
  you
• 4:45
  recognize
• 4:46
  God's
• 4:46
  activity
• 4:47
  in
• 4:47
  your
• 4:47
  life.
• 4:49
  And
• 4:49
  I've
• 4:49
  seen
• 4:49
  this
• 4:50
  over
• 4:50
  and
• 4:50
  over,
• 4:51
  not
• 4:52
  just
• 4:52
  in
• 4:52
  other
• 4:52
  people's
• 4:53
  lives,
• 4:54
  but
• 4:54
  in
• 4:54
  my
• 4:54
  own
• 4:55
  life.
• 4:56
  I've
• 4:57
  watched
• 4:57
  joy
• 4:57
  return
• 4:57
  to
• 4:58
  people
• 4:58
  the
• 4:58
  moment
• 4:59
  they
• 4:59
  started
• 4:59
  naming
• 4:59
  the
• 5:00
  small
• 5:00
  things
• 5:00
  God
• 5:01
  helped
• 5:01
  them
• 5:01
  do.
• 5:02
  And
• 5:03
  honestly,
• 5:04
  I've
• 5:04
  seen
• 5:05
  it
• 5:05
  happen
• 5:05
  in
• 5:05
  my
• 5:05
  own
• 5:06
  life.
• 5:07
  Celebrating
• 5:08
  wins
• 5:08
  changes
• 5:09
  your
• 5:09
  identity
• 5:11
  in
• 5:11
  so
• 5:12
  many
• 5:12
  ways.
• 5:12
  It
• 5:12
  moves
• 5:13
  us
• 5:13
  from
• 5:13
  this
• 5:13
  feeling
• 5:13
  of
• 5:14
  I
• 5:14
  failed.
• 5:16
  To
• 5:16
  God
• 5:17
  was
• 5:17
  with
• 5:17
  me.
• 5:19
  So
• 5:19
  let
• 5:19
  me
• 5:19
  share
• 5:19
  a
• 5:19
  quick
• 5:20
  story.
• 5:21
  This
• 5:21
  is
• 5:21
  one
• 5:21
  that
• 5:22
  always
• 5:22
  stays
• 5:23
  with
• 5:23
  me.
• 5:24
  A
• 5:25
  family
• 5:25
  came
• 5:25
  into
• 5:25
  my
• 5:25
  office
• 5:26
  this
• 5:26
  year.
• 5:27
  They
• 5:27
  were
• 5:27
  discouraged,
• 5:28
  they
• 5:28
  were
• 5:28
  tired,
• 5:29
  and
• 5:30
  honestly,
• 5:30
  they
• 5:30
  felt
• 5:30
  like
• 5:31
  they
• 5:31
  were
• 5:31
  failing.
• 5:33
  So
• 5:33
  I
• 5:33
  said,
• 5:33
  I
• 5:34
  said,
• 5:34
  wait
• 5:34
  a
• 5:34
  second,
• 5:35
  they
• 5:35
  want
• 5:35
  to
• 5:36
  talk
• 5:36
  about
• 5:36
  goals.
• 5:36
  I
• 5:36
  said,
• 5:36
  before
• 5:37
  we
• 5:37
  even
• 5:37
  talk
• 5:37
  about
• 5:37
  goals,
• 5:38
  let's
• 5:38
  talk
• 5:38
  about
• 5:38
  some
• 5:38
  wins.
• 5:39
  I
• 5:39
  knew
• 5:39
  they
• 5:39
  needed
• 5:40
  to
• 5:40
  feel
• 5:40
  some
• 5:40
  wins.
• 5:42
  And
• 5:42
  I
• 5:42
  said,
• 5:42
  let's
• 5:43
  just
• 5:43
  name
• 5:43
  some
• 5:43
  wins
• 5:44
  that
• 5:44
  you've
• 5:44
  had
• 5:44
  this
• 5:44
  year.
• 5:45
  And
• 5:45
  here's
• 5:46
  what
• 5:46
  they
• 5:46
  named.
• 5:46
  I
• 5:46
  was
• 5:47
  amazed.
• 5:47
  They
• 5:48
  had
• 5:48
  paid
• 5:48
  off
• 5:48
  one
• 5:49
  credit
• 5:49
  card
• 5:49
  completely.
• 5:50
  That's
• 5:51
  a
• 5:51
  huge
• 5:51
  win.
• 5:52
  To
• 5:53
  pay
• 5:53
  off
• 5:53
  a
• 5:53
  credit
• 5:53
  card
• 5:54
  that
• 5:54
  had
• 5:54
  been
• 5:54
  this
• 5:55
  mountain
• 5:55
  of
• 5:55
  debt
• 5:55
  before
• 5:56
  them
• 5:56
  was
• 5:57
  a
• 5:57
  huge
• 5:57
  win.
• 5:59
  They
• 5:59
  also
• 5:59
  share
• 6:00
  with
• 6:00
  me.
• 6:00
  For
• 6:00
  two
• 6:00
  months,
• 6:01
  they've
• 6:01
  been
• 6:01
  consistently
• 6:02
  tithing
• 6:02
  and
• 6:02
  giving
• 6:03
  to
• 6:03
  their
• 6:03
  church.
• 6:04
  That's
• 6:04
  a
• 6:05
  huge
• 6:05
  win.
• 6:06
  The
• 6:06
  wife
• 6:07
  shared
• 6:07
  with
• 6:07
  me,
• 6:07
  Ralph,
• 6:07
  for
• 6:08
  the
• 6:08
  first
• 6:08
  time,
• 6:08
  we've
• 6:09
  created
• 6:09
  a
• 6:09
  small
• 6:09
  emergency
• 6:10
  fund.
• 6:11
  That's
• 6:12
  a
• 6:12
  massive
• 6:12
  win
• 6:13
  during
• 6:14
  all
• 6:14
  of
• 6:14
  these
• 6:14
  seasons.
• 6:15
  Paying
• 6:15
  off
• 6:15
  debt,
• 6:16
  tithing,
• 6:17
  creating
• 6:17
  that
• 6:17
  small
• 6:17
  energy
• 6:18
  fund.
• 6:18
  They
• 6:18
  also
• 6:19
  were
• 6:19
  refining
• 6:19
  their
• 6:20
  spending
• 6:20
  habits.
• 6:20
  They
• 6:21
  had
• 6:21
  better
• 6:21
  spending
• 6:21
  habits.
• 6:23
  And
• 6:23
  in
• 6:23
  the
• 6:23
  end,
• 6:24
  they
• 6:24
  had
• 6:24
  more
• 6:24
  awareness
• 6:25
  of
• 6:25
  where
• 6:25
  their
• 6:25
  money
• 6:26
  was
• 6:26
  going.
• 6:27
  And
• 6:28
  I
• 6:28
  just
• 6:28
  paused
• 6:28
  them
• 6:28
  for
• 6:28
  a
• 6:28
  second.
• 6:29
  I
• 6:29
  said,
• 6:29
  hold
• 6:29
  on
• 6:29
  a
• 6:29
  second
• 6:29
  before
• 6:30
  you
• 6:30
  feel
• 6:30
  so
• 6:31
  downtrodden,
• 6:32
  you
• 6:32
  worry
• 6:32
  about
• 6:32
  what's
• 6:32
  next.
• 6:33
  Those
• 6:33
  are
• 6:33
  huge
• 6:34
  wins.
• 6:36
  And
• 6:36
  I
• 6:36
  went
• 6:36
  back
• 6:36
  and
• 6:37
  I
• 6:37
  named
• 6:37
  them
• 6:37
  again.
• 6:37
  And
• 6:38
  you
• 6:38
  could
• 6:38
  see
• 6:38
  their
• 6:38
  posture
• 6:39
  changed.
• 6:40
  When
• 6:40
  he
• 6:41
  first
• 6:41
  came
• 6:41
  in,
• 6:41
  I
• 6:41
  knew
• 6:41
  they
• 6:42
  were
• 6:42
  feeling
• 6:42
  some
• 6:42
  shame.
• 6:43
  But,
• 6:43
  man,
• 6:43
  when
• 6:43
  I
• 6:43
  went
• 6:44
  through
• 6:44
  these,
• 6:44
  they
• 6:44
  started
• 6:45
  to
• 6:45
  feel
• 6:45
  gratitude.
• 6:46
  They
• 6:47
  started
• 6:47
  feeling
• 6:47
  like
• 6:48
  they
• 6:48
  weren't
• 6:48
  defeated.
• 6:49
  And
• 6:49
  they
• 6:49
  started
• 6:49
  to
• 6:49
  feel
• 6:50
  hope.
• 6:51
  And
• 6:52
  I
• 6:52
  could
• 6:52
  just
• 6:52
  hear
• 6:52
  in
• 6:52
  their
• 6:53
  spirit,
• 6:53
  they
• 6:54
  moved
• 6:54
  from.
• 6:54
  I
• 6:54
  didn't
• 6:55
  do
• 6:55
  enough
• 6:55
  to
• 6:56
  look
• 6:56
  what
• 6:56
  God
• 6:57
  helped
• 6:57
  us
• 6:57
  do.
• 6:59
  And
• 6:59
  that
• 6:59
  shift
• 6:59
  right
• 7:00
  there,
• 7:00
  that's
• 7:01
  spiritual.
• 7:02
  And
• 7:02
  that
• 7:02
  shift
• 7:03
  changes
• 7:03
  everything.
• 7:06
  So
• 7:06
  here's
• 7:06
  the
• 7:06
  real
• 7:06
  question
• 7:07
  for
• 7:07
  you
• 7:07
  today.
• 7:08
  This
• 7:09
  is
• 7:09
  what
• 7:09
  it
• 7:09
  all
• 7:09
  comes
• 7:09
  down
• 7:10
  to.
• 7:11
  So
• 7:11
  what
• 7:12
  if
• 7:12
  you
• 7:12
  didn't
• 7:12
  hit
• 7:12
  everything?
• 7:14
  What
• 7:14
  if
• 7:14
  God
• 7:15
  is
• 7:15
  inviting
• 7:15
  you
• 7:15
  to
• 7:15
  celebrate
• 7:16
  what
• 7:16
  did
• 7:16
  happen
• 7:17
  this
• 7:17
  year?
• 7:18
  Because
• 7:19
  that's
• 7:19
  the
• 7:19
  foundation
• 7:20
  he's
• 7:21
  planning
• 7:21
  to
• 7:21
  build
• 7:22
  on
• 7:22
  the
• 7:22
  next
• 7:22
  year
• 7:23
  using
• 7:23
  that
• 7:24
  foundation.
• 7:25
  Let's
• 7:25
  walk
• 7:25
  through
• 7:25
  this
• 7:26
  together.
• 7:26
  Here
• 7:26
  are
• 7:27
  the
• 7:27
  Christmas
• 7:27
  Eve
• 7:27
  takeaways
• 7:28
  for
• 7:28
  today.
• 7:30
  First
• 7:30
  thing
• 7:30
  I
• 7:30
  want
• 7:30
  you
• 7:31
  to
• 7:31
  understand,
• 7:32
  and
• 7:32
  this
• 7:33
  is
• 7:33
  brutally
• 7:34
  honest,
• 7:34
  but
• 7:35
  it's
• 7:35
  something
• 7:35
  that
• 7:35
  will
• 7:35
  help
• 7:35
  you.
• 7:36
  Name
• 7:36
  your
• 7:37
  milestones.
• 7:39
  Name
• 7:39
  that
• 7:40
  debt
• 7:40
  you
• 7:40
  paid
• 7:40
  down,
• 7:41
  even
• 7:41
  if
• 7:41
  it
• 7:41
  was
• 7:41
  small.
• 7:43
  Name
• 7:43
  that
• 7:43
  savings
• 7:44
  you
• 7:44
  started,
• 7:44
  even
• 7:45
  if
• 7:45
  it
• 7:45
  was
• 7:45
  tiny.
• 7:47
  Name
• 7:47
  that
• 7:47
  consistency
• 7:48
  in
• 7:48
  giving.
• 7:49
  Name
• 7:49
  those
• 7:49
  better
• 7:50
  habits.
• 7:50
  Name
• 7:51
  that
• 7:51
  awareness,
• 7:52
  name
• 7:52
  that
• 7:52
  discipline,
• 7:53
  name
• 7:53
  that
• 7:54
  less
• 7:54
  impulse
• 7:55
  spending.
• 7:57
  Because
• 7:57
  I
• 7:57
  want
• 7:57
  to
• 7:57
  tell
• 7:57
  you
• 7:58
  something
• 7:58
  right
• 7:58
  now.
• 7:58
  You
• 7:59
  can't
• 7:59
  be
• 7:59
  encouraged
• 8:00
  by
• 8:00
  progress
• 8:00
  that
• 8:00
  you
• 8:00
  never
• 8:01
  acknowledge.
• 8:01
  So
• 8:02
  start
• 8:02
  today
• 8:03
  acknowledging
• 8:03
  those
• 8:04
  wins.
• 8:06
  The
• 8:06
  second
• 8:06
  thing
• 8:06
  I'm
• 8:06
  going
• 8:07
  to
• 8:07
  encourage
• 8:07
  you
• 8:07
  to
• 8:07
  do
• 8:07
  is
• 8:08
  connect
• 8:08
  every
• 8:08
  win
• 8:09
  back
• 8:09
  to
• 8:09
  God.
• 8:11
  Because
• 8:11
  you
• 8:11
  didn't
• 8:11
  do
• 8:11
  it
• 8:11
  alone.
• 8:13
  God
• 8:13
  strengthened
• 8:14
  you
• 8:14
  during
• 8:14
  that
• 8:15
  time.
• 8:15
  God
• 8:16
  guided
• 8:16
  you.
• 8:16
  God
• 8:17
  provided
• 8:17
  for
• 8:18
  you
• 8:18
  in
• 8:18
  ways
• 8:18
  that
• 8:18
  you
• 8:18
  may
• 8:19
  not
• 8:19
  have
• 8:19
  even
• 8:19
  noticed.
• 8:21
  This
• 8:22
  is
• 8:22
  a
• 8:22
  great
• 8:22
  time
• 8:22
  to
• 8:23
  go
• 8:23
  back
• 8:23
  and
• 8:24
  make
• 8:24
  that
• 8:24
  gratitude
• 8:25
  turn
• 8:26
  into
• 8:26
  testimony.
• 8:28
  And
• 8:29
  that
• 8:29
  progress
• 8:29
  that
• 8:29
  you
• 8:30
  feel
• 8:30
  like
• 8:30
  you
• 8:30
  weren't
• 8:30
  having,
• 8:31
  you
• 8:31
  can
• 8:31
  turn
• 8:32
  that
• 8:32
  progress
• 8:32
  into
• 8:32
  worship.
• 8:34
  And
• 8:35
  why
• 8:35
  is
• 8:35
  this
• 8:35
  timely?
• 8:36
  Right
• 8:36
  now,
• 8:36
  we're
• 8:37
  talking
• 8:37
  about
• 8:37
  planning
• 8:37
  for
• 8:38
  next
• 8:38
  year.
• 8:39
  What
• 8:39
  if
• 8:39
  you
• 8:39
  let
• 8:40
  gratitude
• 8:40
  shape
• 8:41
  next
• 8:41
  year's
• 8:41
  goals?
• 8:43
  When
• 8:43
  you
• 8:43
  live
• 8:43
  in
• 8:44
  gratitude,
• 8:44
  it
• 8:44
  builds
• 8:45
  your
• 8:45
  confidence.
• 8:46
  And
• 8:47
  when
• 8:47
  you
• 8:47
  have
• 8:47
  confidence,
• 8:48
  it
• 8:48
  builds
• 8:49
  that
• 8:49
  consistency.
• 8:49
  You
• 8:50
  can
• 8:50
  determine
• 8:50
  to
• 8:51
  do
• 8:51
  it
• 8:51
  day
• 8:51
  in
• 8:51
  and
• 8:52
  day
• 8:52
  out.
• 8:52
  And
• 8:52
  that
• 8:52
  consistency,
• 8:54
  that's
• 8:54
  what
• 8:54
  leads
• 8:55
  to
• 8:55
  real
• 8:55
  transformation.
• 8:58
  So
• 8:58
  I
• 8:58
  want
• 8:58
  to
• 8:58
  encourage
• 8:58
  you
• 8:59
  right
• 8:59
  now,
• 8:59
  start
• 8:59
  next
• 9:00
  year.
• 9:00
  From.
• 9:00
  God
• 9:01
  has
• 9:01
  helped
• 9:01
  me,
• 9:02
  not
• 9:03
  from.
• 9:03
  And
• 9:03
  I
• 9:04
  hear
• 9:04
  this
• 9:04
  all
• 9:04
  the
• 9:04
  time.
• 9:04
  I
• 9:04
  didn't
• 9:05
  do
• 9:05
  enough.
• 9:07
  And
• 9:07
  last
• 9:07
  but
• 9:08
  not
• 9:08
  least,
• 9:09
  on
• 9:10
  this
• 9:10
  Christmas
• 9:10
  Eve,
• 9:10
  we're
• 9:11
  talking
• 9:11
  about
• 9:11
  gifts.
• 9:11
  A
• 9:11
  lot
• 9:12
  of
• 9:12
  us
• 9:12
  are
• 9:12
  exchanging
• 9:12
  gifts
• 9:13
  tonight
• 9:13
  or
• 9:13
  tomorrow.
• 9:14
  This
• 9:15
  is
• 9:15
  a
• 9:15
  great
• 9:15
  time
• 9:16
  to
• 9:16
  share
• 9:16
  your
• 9:16
  wins
• 9:16
  with
• 9:17
  someone
• 9:17
  you
• 9:17
  love.
• 9:19
  You
• 9:19
  need
• 9:19
  to
• 9:20
  know
• 9:20
  that
• 9:20
  your
• 9:20
  testimony
• 9:21
  matters
• 9:21
  to
• 9:21
  people.
• 9:22
  It
• 9:23
  encourages
• 9:23
  people.
• 9:24
  It
• 9:24
  strengthens
• 9:25
  your
• 9:25
  relationships.
• 9:27
  It
• 9:27
  reminds
• 9:28
  you
• 9:28
  of
• 9:28
  what
• 9:28
  God
• 9:28
  has
• 9:28
  done
• 9:29
  in
• 9:29
  your
• 9:29
  own
• 9:29
  life.
• 9:30
  And
• 9:31
  Christmas
• 9:31
  Eve
• 9:32
  is
• 9:32
  the
• 9:32
  perfect
• 9:32
  time
• 9:32
  to
• 9:33
  share
• 9:33
  your
• 9:33
  story.
• 9:35
  Well,
• 9:35
  now
• 9:35
  let's
• 9:36
  center
• 9:36
  our
• 9:36
  hearts
• 9:36
  in
• 9:36
  scripture
• 9:38
  because
• 9:38
  this
• 9:38
  truth
• 9:38
  isn't
• 9:39
  new.
• 9:40
  It's
• 9:40
  been
• 9:41
  with
• 9:41
  God's
• 9:42
  people
• 9:42
  forever.
• 9:44
  Look
• 9:44
  at
• 9:44
  1st
• 9:44
  Samuel,
• 9:45
  chapter
• 9:46
  7,
• 9:46
  verse
• 9:46
  12.
• 9:46
  It
• 9:47
  says
• 9:47
  this.
• 9:47
  Thus
• 9:47
  far,
• 9:48
  the
• 9:48
  Lord
• 9:48
  has
• 9:48
  helped
• 9:49
  us.
• 9:51
  That
• 9:51
  needs
• 9:51
  to
• 9:51
  be
• 9:51
  your
• 9:51
  declaration
• 9:52
  for
• 9:52
  today.
• 9:54
  Thus
• 9:54
  far,
• 9:55
  God
• 9:55
  has
• 9:56
  helped
• 9:56
  you.
• 9:57
  How
• 9:58
  about
• 9:58
  we
• 9:58
  pray
• 9:58
  together?
• 9:59
  Lord,
• 10:00
  open
• 10:00
  my
• 10:00
  eyes
• 10:01
  to
• 10:01
  see
• 10:01
  your
• 10:01
  provision
• 10:02
  this
• 10:02
  year.
• 10:03
  Give
• 10:03
  me
• 10:04
  joy
• 10:04
  in
• 10:04
  the
• 10:04
  small
• 10:05
  victories
• 10:06
  and
• 10:06
  build
• 10:07
  my
• 10:07
  faith
• 10:07
  for
• 10:07
  the
• 10:08
  next
• 10:08
  season
• 10:08
  that
• 10:08
  you're
• 10:09
  preparing
• 10:09
  me
• 10:09
  for.
• 10:10
  And
• 10:10
  I
• 10:10
  thank
• 10:11
  you
• 10:11
  for
• 10:11
  your
• 10:11
  son
• 10:11
  Jesus
• 10:12
  on
• 10:12
  this
• 10:12
  Christmas
• 10:12
  Eve,
• 10:13
  Lord.
• 10:13
  And
• 10:14
  I
• 10:14
  asked
• 10:14
  this
• 10:14
  in
• 10:14
  the
• 10:15
  name
• 10:15
  of
• 10:15
  Jesus.
• 10:16
  Amen.
• 10:18
  So
• 10:18
  here's
• 10:18
  your
• 10:18
  one
• 10:18
  action
• 10:19
  step
• 10:19
  for
• 10:19
  today.
• 10:20
  I
• 10:20
  know
• 10:20
  we've
• 10:20
  got
• 10:20
  busy
• 10:20
  lives,
• 10:21
  but
• 10:21
  I
• 10:21
  just
• 10:21
  want
• 10:21
  you
• 10:21
  to
• 10:21
  write
• 10:22
  down
• 10:22
  five
• 10:22
  ways
• 10:23
  God
• 10:23
  has
• 10:24
  provided
• 10:24
  for
• 10:24
  you
• 10:24
  this
• 10:25
  year.
• 10:25
  And
• 10:26
  then
• 10:26
  I
• 10:26
  want
• 10:26
  you
• 10:26
  to
• 10:26
  say
• 10:27
  them
• 10:27
  out
• 10:27
  loud.
• 10:27
  Pray
• 10:27
  them
• 10:28
  back
• 10:28
  to
• 10:28
  God.
• 10:29
  And
• 10:29
  that
• 10:30
  gratitude
• 10:30
  soften
• 10:31
  your
• 10:31
  heart
• 10:31
  and
• 10:31
  strengthen
• 10:32
  your
• 10:32
  spirit.
• 10:34
  And
• 10:34
  if
• 10:34
  you
• 10:34
  want
• 10:34
  a
• 10:34
  place
• 10:35
  where
• 10:35
  progress
• 10:35
  is
• 10:36
  celebrated,
• 10:36
  where
• 10:37
  faith
• 10:37
  and
• 10:37
  finances
• 10:38
  can
• 10:38
  grow
• 10:38
  together,
• 10:39
  and
• 10:39
  where
• 10:39
  we
• 10:39
  encourage
• 10:39
  each
• 10:40
  other
• 10:40
  as
• 10:40
  we
• 10:40
  walk
• 10:40
  into
• 10:41
  a
• 10:41
  new
• 10:41
  year,
• 10:42
  I
• 10:42
  want
• 10:42
  to
• 10:42
  invite
• 10:42
  you
• 10:42
  to
• 10:42
  join
• 10:42
  our
• 10:43
  financially
• 10:43
  confident
• 10:44
  Christian
• 10:44
  family.
• 10:45
  You
• 10:45
  can
• 10:45
  do
• 10:45
  that
• 10:45
  by
• 10:46
  going
• 10:46
  to
• 10:46
  financiallyconfidentchristian.com/join
• 10:50
  again.
• 10:50
  That's
• 10:51
  financiallyconfidentchristian.com/Join.
• 10:55
  Friend,
• 10:55
  just
• 10:55
  remember
• 10:56
  this.
• 10:57
  God
• 10:57
  has
• 10:57
  carried
• 10:58
  you
• 10:58
  this
• 10:58
  year.
• 10:59
  He
• 10:59
  steadied
• 11:00
  you.
• 11:00
  He
• 11:00
  strengthened
• 11:01
  you.
• 11:01
  He's
• 11:02
  walked
• 11:02
  beside
• 11:02
  you
• 11:03
  every
• 11:03
  single
• 11:03
  step.
• 11:04
  Hey,
• 11:04
  like
• 11:04
  we
• 11:04
  said
• 11:04
  the
• 11:04
  other
• 11:05
  day,
• 11:06
  many
• 11:06
  times,
• 11:06
  I'll
• 11:07
  speak
• 11:07
  for
• 11:07
  me
• 11:07
  right
• 11:07
  now.
• 11:07
  He's
• 11:08
  carried
• 11:08
  me.
• 11:09
  So
• 11:09
  celebrate
• 11:10
  those
• 11:10
  small
• 11:11
  things
• 11:11
  because
• 11:11
  the
• 11:11
  small
• 11:12
  things
• 11:12
  become
• 11:13
  the
• 11:13
  seeds
• 11:13
  of
• 11:13
  the
• 11:13
  miracles.
• 11:14
  God's
• 11:14
  going
• 11:14
  to
• 11:14
  grow
• 11:15
  next
• 11:15
  in
• 11:15
  your
• 11:15
  life.
• 11:16
  Let's
• 11:16
  all
• 11:17
  go
• 11:17
  out
• 11:17
  there
• 11:17
  today
• 11:17
  and
• 11:17
  be
• 11:18
  financially
• 11:18
  confident
• 11:19
  Christians
• 11:19
  because
• 11:19
  I
• 11:20
  know
• 11:20
  this.
• 11:21
  You
• 11:21
  can
• 11:21
  do
• 11:22
  this.
• 11:22
  God
• 11:23
  is
• 11:23
  with
• 11:23
  you.
• 11:24
  So
• 11:25
  stay
• 11:25
  financially
• 11:25
  savvy.
• 11:26
  God
• 11:26
  bless
• 11:26
  you
• 11:27
  and
• 11:27
  Merry
• 11:27
  Christmas
• 11:28
  to
• 11:28
  you
• 11:28
  and
• 11:28
  your
• 11:28
  family.