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Investing for Your Children’s Future: Beyond the Piggy Bank? · Becoming Financially Confident

• 0:37
  You
• 0:37
  know
• 0:37
  something?
• 0:38
  I
• 0:38
  can
• 0:38
  still
• 0:38
  remember
• 0:39
  my
• 0:39
  first
• 0:39
  piggy
• 0:40
  bank.
• 0:41
  And
• 0:41
  honestly,
• 0:42
  the
• 0:42
  truth
• 0:42
  is,
• 0:42
  it
• 0:42
  didn't
• 0:42
  last
• 0:43
  long
• 0:43
  before
• 0:43
  that
• 0:43
  money
• 0:44
  was
• 0:44
  spent
• 0:44
  at
• 0:44
  the
• 0:44
  arcade.
• 0:46
  So
• 0:46
  here's
• 0:46
  the
• 0:46
  question
• 0:47
  for
• 0:47
  today.
• 0:47
  I
• 0:47
  got
• 0:47
  this
• 0:47
  from
• 0:48
  a
• 0:48
  listener.
• 0:48
  I
• 0:48
  thought,
• 0:48
  this
• 0:48
  is
• 0:49
  perfect,
• 0:49
  Ralph.
• 0:50
  I've
• 0:50
  got
• 0:50
  a
• 0:50
  piggy
• 0:51
  bank
• 0:51
  started
• 0:51
  for
• 0:51
  my
• 0:52
  kids.
• 0:52
  But
• 0:52
  what's
• 0:53
  the
• 0:53
  next
• 0:53
  step?
• 0:53
  To
• 0:54
  really
• 0:54
  invest
• 0:54
  in
• 0:54
  their
• 0:55
  future.
• 0:56
  And
• 0:56
  the
• 0:56
  truth
• 0:56
  is
• 0:56
  a
• 0:57
  piggy
• 0:57
  bank
• 0:57
  is
• 0:57
  a
• 0:58
  great
• 0:58
  start.
• 0:58
  So
• 0:58
  many
• 0:58
  people
• 0:58
  don't
• 0:59
  do
• 0:59
  those
• 0:59
  anymore.
• 1:00
  Abby,
• 1:01
  my
• 1:01
  assistant
• 1:02
  and
• 1:02
  I
• 1:02
  were
• 1:02
  talking
• 1:03
  about
• 1:03
  this
• 1:03
  before
• 1:03
  we
• 1:03
  started
• 1:04
  recording
• 1:04
  today
• 1:04
  and
• 1:04
  we
• 1:04
  started
• 1:04
  talking
• 1:05
  about
• 1:05
  what
• 1:05
  kind
• 1:05
  of
• 1:05
  piggy
• 1:06
  bank
• 1:06
  did
• 1:06
  you
• 1:06
  have?
• 1:07
  And
• 1:07
  I
• 1:07
  asked
• 1:07
  her
• 1:07
  a
• 1:07
  question.
• 1:08
  I
• 1:08
  said,
• 1:08
  abby,
• 1:09
  why
• 1:09
  do
• 1:09
  you
• 1:09
  think
• 1:09
  they
• 1:09
  call
• 1:10
  it
• 1:10
  a
• 1:10
  piggy
• 1:10
  bank?
• 1:10
  And
• 1:10
  she
• 1:11
  says,
• 1:11
  ralph,
• 1:11
  I'm
• 1:11
  not
• 1:11
  sure.
• 1:12
  Well,
• 1:12
  here's
• 1:13
  the
• 1:13
  thing.
• 1:13
  Pigs
• 1:14
  get
• 1:14
  big
• 1:14
  and
• 1:14
  fat.
• 1:15
  That's
• 1:15
  the
• 1:15
  whole
• 1:15
  point
• 1:16
  of
• 1:16
  it.
• 1:16
  So
• 1:17
  that's
• 1:17
  a
• 1:17
  good
• 1:17
  way
• 1:17
  to
• 1:17
  start
• 1:18
  your
• 1:18
  children.
• 1:19
  But
• 1:19
  it's
• 1:19
  not
• 1:19
  enough.
• 1:20
  It's
• 1:21
  got
• 1:21
  to
• 1:21
  be
• 1:21
  more
• 1:21
  than
• 1:21
  just
• 1:21
  those
• 1:22
  loose
• 1:22
  chains
• 1:22
  in
• 1:22
  that
• 1:23
  piggy
• 1:23
  bank
• 1:24
  because
• 1:25
  there's
• 1:25
  all
• 1:25
  kinds
• 1:25
  of
• 1:25
  things
• 1:25
  that
• 1:25
  are
• 1:26
  going
• 1:26
  to
• 1:26
  come
• 1:26
  up.
• 1:26
  Education
• 1:27
  to
• 1:27
  lifelong
• 1:28
  financial
• 1:28
  wisdom.
• 1:29
  Let's
• 1:30
  talk
• 1:30
  about
• 1:30
  that
• 1:30
  on
• 1:30
  today's
• 1:31
  show,
• 1:31
  how
• 1:31
  to
• 1:31
  really
• 1:32
  invest
• 1:33
  for
• 1:33
  your
• 1:33
  children.
• 1:36
  This
• 1:36
  is
• 1:36
  Financially
• 1:37
  Confident
• 1:37
  Christian,
• 1:38
  your
• 1:38
  daily
• 1:39
  dose
• 1:39
  of
• 1:39
  gospel,
• 1:39
  grounded
• 1:40
  insight
• 1:40
  and
• 1:41
  faith
• 1:41
  driven
• 1:41
  tips
• 1:42
  to
• 1:42
  help
• 1:42
  you
• 1:42
  break
• 1:43
  the
• 1:43
  cycle
• 1:43
  of
• 1:43
  financial
• 1:44
  shame
• 1:44
  with
• 1:44
  confidence.
• 1:47
  Hello
• 1:47
  there.
• 1:47
  Welcome
• 1:48
  back
• 1:48
  to
• 1:48
  the
• 1:48
  show.
• 1:49
  I'm
• 1:49
  Ralph.
• 1:49
  This
• 1:50
  is
• 1:50
  Financially
• 1:50
  Confident
• 1:51
  Christian.
• 1:51
  This
• 1:51
  is
• 1:51
  your
• 1:51
  daily
• 1:52
  show
• 1:52
  to
• 1:52
  help
• 1:53
  you
• 1:53
  break
• 1:53
  that
• 1:53
  cycle
• 1:54
  of
• 1:54
  financial
• 1:54
  shame
• 1:54
  that
• 1:55
  so
• 1:55
  many
• 1:55
  people
• 1:55
  are
• 1:56
  feeling.
• 1:56
  I
• 1:57
  hear
• 1:57
  from
• 1:57
  listeners
• 1:58
  every
• 1:58
  day.
• 1:58
  We're
• 1:58
  all,
• 1:59
  a
• 1:59
  lot
• 1:59
  of
• 1:59
  us
• 1:59
  are
• 1:59
  feeling
• 2:00
  this
• 2:00
  financial
• 2:00
  shame
• 2:01
  and
• 2:01
  I
• 2:01
  want
• 2:01
  to
• 2:01
  help
• 2:02
  you
• 2:02
  give,
• 2:02
  I
• 2:02
  don't
• 2:02
  want
• 2:03
  to
• 2:03
  give
• 2:03
  you
• 2:03
  confidence.
• 2:04
  That's
• 2:04
  the
• 2:04
  whole
• 2:04
  point
• 2:04
  of
• 2:04
  today's
• 2:05
  show.
• 2:05
  And
• 2:06
  today's
• 2:06
  show
• 2:06
  is
• 2:06
  all
• 2:06
  about
• 2:06
  that.
• 2:07
  For
• 2:08
  30
• 2:08
  years
• 2:08
  as
• 2:08
  an
• 2:08
  accountant,
• 2:09
  I've
• 2:09
  worked
• 2:09
  with
• 2:09
  families
• 2:10
  helping
• 2:10
  them
• 2:11
  set
• 2:11
  up
• 2:11
  savings
• 2:11
  and
• 2:12
  investment
• 2:12
  accounts
• 2:12
  for
• 2:12
  their
• 2:13
  children's
• 2:13
  future.
• 2:13
  Because,
• 2:14
  listen,
• 2:14
  children
• 2:15
  are
• 2:15
  our
• 2:15
  future
• 2:16
  and
• 2:17
  we've
• 2:17
  got
• 2:17
  to
• 2:17
  really
• 2:17
  think
• 2:17
  about
• 2:18
  how
• 2:18
  can
• 2:18
  we
• 2:18
  teach
• 2:19
  them
• 2:19
  the
• 2:19
  skills
• 2:19
  that.
• 2:19
  And
• 2:20
  here's
• 2:20
  the
• 2:20
  problem.
• 2:20
  A
• 2:21
  lot
• 2:21
  of
• 2:21
  us
• 2:21
  didn't
• 2:21
  learn
• 2:21
  the
• 2:22
  skills
• 2:22
  ourselves,
• 2:23
  but
• 2:23
  now
• 2:23
  we
• 2:24
  got
• 2:24
  to
• 2:24
  make
• 2:24
  sure
• 2:24
  our
• 2:24
  children
• 2:25
  learn
• 2:25
  those.
• 2:25
  So
• 2:25
  I've
• 2:25
  been
• 2:26
  a
• 2:26
  financial
• 2:26
  coach,
• 2:27
  but
• 2:27
  here's
• 2:28
  my
• 2:28
  real
• 2:28
  street
• 2:28
  cred
• 2:28
  today.
• 2:29
  A
• 2:29
  lot
• 2:29
  of
• 2:29
  people
• 2:29
  say,
• 2:29
  well,
• 2:29
  what's
• 2:30
  your
• 2:30
  street
• 2:30
  cred,
• 2:30
  Ralph?
• 2:31
  I've
• 2:32
  been
• 2:32
  a
• 2:32
  parent
• 2:33
  and
• 2:33
  I've
• 2:33
  raised
• 2:34
  two
• 2:34
  boys.
• 2:34
  They're
• 2:34
  24
• 2:35
  and
• 2:35
  28
• 2:35
  right
• 2:35
  now
• 2:36
  and
• 2:37
  they
• 2:37
  are
• 2:37
  completely
• 2:37
  different
• 2:38
  as
• 2:38
  it
• 2:38
  relates
• 2:38
  to
• 2:39
  finance.
• 2:39
  Even
• 2:39
  though
• 2:39
  good
• 2:39
  old
• 2:40
  dad
• 2:40
  is
• 2:40
  an
• 2:40
  accountant
• 2:41
  and
• 2:41
  a
• 2:41
  finance
• 2:41
  guy.
• 2:42
  I've
• 2:43
  seen
• 2:43
  firsthand
• 2:43
  the
• 2:44
  impact
• 2:44
  of
• 2:45
  starting
• 2:45
  early.
• 2:46
  So
• 2:46
  let
• 2:46
  me
• 2:46
  tell
• 2:46
  you
• 2:46
  about
• 2:47
  a
• 2:47
  client
• 2:47
  that
• 2:47
  I
• 2:47
  worked
• 2:48
  with
• 2:48
  many,
• 2:48
  many
• 2:48
  years
• 2:48
  ago.
• 2:49
  I've
• 2:49
  been
• 2:49
  in
• 2:49
  practice
• 2:49
  now
• 2:50
  for
• 2:50
  30
• 2:50
  years
• 2:50
  and
• 2:51
  I
• 2:51
  think
• 2:51
  it
• 2:51
  wasn't
• 2:51
  too
• 2:51
  soon
• 2:52
  after
• 2:52
  I
• 2:52
  started
• 2:53
  I
• 2:53
  had
• 2:53
  this
• 2:53
  young
• 2:53
  couple
• 2:54
  come
• 2:54
  in
• 2:54
  and
• 2:54
  man,
• 2:54
  they
• 2:55
  were
• 2:55
  just,
• 2:55
  they
• 2:55
  were
• 2:55
  in
• 2:55
  love
• 2:56
  with
• 2:56
  each
• 2:56
  other.
• 2:56
  Just
• 2:56
  had
• 2:56
  a
• 2:57
  little
• 2:57
  baby
• 2:57
  and
• 2:58
  they
• 2:58
  said,
• 2:58
  Ralph,
• 2:58
  we
• 2:59
  really
• 2:59
  want
• 2:59
  to
• 2:59
  see
• 2:59
  see
• 2:59
  our
• 3:00
  daughter
• 3:00
  go
• 3:00
  off
• 3:00
  to
• 3:00
  college.
• 3:01
  And
• 3:01
  I
• 3:01
  said,
• 3:01
  well,
• 3:01
  here's
• 3:01
  one
• 3:02
  of
• 3:02
  the
• 3:02
  things
• 3:02
  you
• 3:02
  could
• 3:02
  consider
• 3:02
  doing.
• 3:03
  There's
• 3:03
  a
• 3:03
  thing
• 3:03
  called
• 3:04
  a
• 3:04
  529
• 3:04
  plan.
• 3:05
  I'm
• 3:05
  not
• 3:05
  going
• 3:05
  to
• 3:05
  get
• 3:05
  into
• 3:05
  the
• 3:06
  details
• 3:06
  about
• 3:06
  that
• 3:06
  today.
• 3:07
  You
• 3:07
  can
• 3:07
  check
• 3:07
  out
• 3:07
  our
• 3:08
  show
• 3:08
  at
• 3:08
  Financially
• 3:09
  Confident
• 3:09
  Christian.
• 3:09
  It's
• 3:10
  a
• 3:10
  little
• 3:10
  search
• 3:10
  button
• 3:10
  at
• 3:11
  the
• 3:11
  top
• 3:11
  and
• 3:11
  just
• 3:11
  put
• 3:11
  in
• 3:11
  there
• 3:11
  529
• 3:12
  plan.
• 3:12
  I've
• 3:13
  done
• 3:13
  a
• 3:13
  couple
• 3:13
  shows
• 3:13
  about
• 3:13
  it.
• 3:14
  That's
• 3:14
  not
• 3:14
  the
• 3:14
  topic
• 3:14
  for
• 3:15
  today's
• 3:15
  show.
• 3:15
  Just
• 3:15
  want
• 3:15
  to
• 3:15
  give
• 3:16
  you
• 3:16
  some
• 3:16
  30,000
• 3:16
  foot
• 3:17
  views
• 3:17
  about
• 3:17
  investing.
• 3:18
  They
• 3:18
  sat
• 3:19
  down
• 3:19
  with
• 3:19
  me
• 3:19
  and
• 3:19
  they
• 3:19
  said,
• 3:19
  we
• 3:19
  really
• 3:20
  want
• 3:20
  to
• 3:20
  create
• 3:20
  something.
• 3:20
  Now
• 3:21
  this
• 3:21
  baby,
• 3:21
  I
• 3:21
  mean
• 3:22
  this
• 3:22
  was
• 3:22
  in
• 3:22
  a
• 3:22
  baby
• 3:23
  carrier
• 3:23
  when
• 3:23
  they
• 3:24
  came
• 3:24
  in,
• 3:24
  this
• 3:24
  baby
• 3:24
  was
• 3:24
  fresh.
• 3:25
  I'm
• 3:25
  talking
• 3:25
  about
• 3:26
  straight
• 3:26
  out
• 3:26
  the
• 3:26
  oven
• 3:27
  fresh.
• 3:28
  But
• 3:28
  they
• 3:28
  had
• 3:28
  an
• 3:29
  intention.
• 3:30
  And
• 3:30
  I
• 3:30
  remember
• 3:31
  working
• 3:31
  with
• 3:31
  them
• 3:31
  over
• 3:31
  the
• 3:31
  years
• 3:32
  and
• 3:32
  now
• 3:32
  as
• 3:33
  a
• 3:33
  matter
• 3:33
  of
• 3:33
  fact,
• 3:33
  she's
• 3:33
  graduated
• 3:34
  from
• 3:34
  college
• 3:34
  now.
• 3:34
  But
• 3:35
  I
• 3:35
  remember
• 3:35
  when
• 3:35
  she
• 3:35
  reached
• 3:36
  high
• 3:36
  school,
• 3:36
  they
• 3:36
  were
• 3:36
  coming
• 3:37
  in
• 3:37
  and
• 3:37
  they
• 3:37
  were
• 3:37
  showing
• 3:37
  me
• 3:37
  their
• 3:38
  529
• 3:39
  statement.
• 3:40
  Let
• 3:40
  me
• 3:40
  tell
• 3:40
  you
• 3:40
  right
• 3:40
  now,
• 3:41
  they
• 3:41
  were
• 3:41
  consistent.
• 3:41
  They
• 3:42
  were
• 3:42
  sowing
• 3:42
  those
• 3:42
  seeds
• 3:43
  every
• 3:43
  single
• 3:44
  month.
• 3:45
  And
• 3:45
  by
• 3:45
  the
• 3:45
  time
• 3:45
  she
• 3:46
  reached
• 3:46
  college,
• 3:47
  she
• 3:47
  had
• 3:47
  a
• 3:47
  strong
• 3:47
  foundation
• 3:48
  for
• 3:48
  her
• 3:48
  college
• 3:49
  cost.
• 3:49
  Now
• 3:49
  here's
• 3:49
  another
• 3:49
  little
• 3:50
  fun
• 3:50
  thing.
• 3:51
  She
• 3:51
  was
• 3:51
  a
• 3:51
  Cracker
• 3:52
  Jack
• 3:52
  student.
• 3:53
  She
• 3:53
  got
• 3:54
  100%
• 3:54
  scholarship
• 3:55
  to
• 3:55
  go
• 3:55
  to
• 3:55
  college.
• 3:57
  So
• 3:57
  that
• 3:57
  money
• 3:57
  now
• 3:57
  is
• 3:58
  going
• 3:58
  to
• 3:58
  be
• 3:58
  used
• 3:58
  for
• 3:58
  grandchildren.
• 4:00
  And
• 4:00
  see,
• 4:00
  it's
• 4:01
  all
• 4:01
  about
• 4:01
  consistency.
• 4:01
  If
• 4:02
  you've
• 4:02
  not
• 4:02
  learned
• 4:02
  anything
• 4:03
  else
• 4:03
  in
• 4:03
  this
• 4:03
  investment
• 4:04
  series,
• 4:04
  we've
• 4:04
  been
• 4:04
  doing
• 4:04
  this,
• 4:05
  it's
• 4:05
  going
• 4:05
  to
• 4:05
  be
• 4:05
  a
• 4:05
  30
• 4:05
  day
• 4:06
  series
• 4:06
  for
• 4:06
  the
• 4:06
  entire
• 4:06
  month.
• 4:07
  One
• 4:07
  of
• 4:08
  the
• 4:08
  key
• 4:08
  takeaways,
• 4:08
  and
• 4:09
  I
• 4:09
  hope
• 4:09
  you're
• 4:09
  hearing
• 4:09
  this,
• 4:10
  is
• 4:10
  consistency.
• 4:12
  And
• 4:12
  I
• 4:12
  love
• 4:12
  what
• 4:12
  Dave
• 4:12
  Ramsey
• 4:13
  said.
• 4:13
  Dave
• 4:13
  and
• 4:13
  I
• 4:14
  aren't
• 4:14
  always
• 4:14
  on
• 4:14
  the
• 4:14
  same
• 4:15
  page,
• 4:15
  but
• 4:16
  he
• 4:16
  said
• 4:16
  this
• 4:16
  and
• 4:16
  he
• 4:16
  said,
• 4:16
  teach
• 4:17
  your
• 4:17
  kids
• 4:17
  how
• 4:17
  to
• 4:17
  handle
• 4:18
  money
• 4:18
  and
• 4:19
  they'll
• 4:19
  never
• 4:19
  forget
• 4:20
  it.
• 4:21
  I
• 4:21
  don't
• 4:21
  know
• 4:21
  about
• 4:21
  you,
• 4:21
  but
• 4:22
  if
• 4:22
  you're
• 4:22
  a
• 4:22
  parent
• 4:22
  raising
• 4:23
  kids
• 4:23
  seems
• 4:23
  like
• 4:23
  they
• 4:24
  forget
• 4:24
  everything.
• 4:25
  Remember
• 4:25
  when
• 4:25
  I
• 4:25
  told
• 4:25
  you,
• 4:26
  I
• 4:26
  don't
• 4:26
  remember
• 4:27
  that,
• 4:27
  dad,
• 4:27
  but
• 4:27
  teach
• 4:28
  them
• 4:28
  how
• 4:28
  to
• 4:28
  handle
• 4:28
  money
• 4:29
  and
• 4:30
  they'll
• 4:30
  never
• 4:30
  forget
• 4:31
  it.
• 4:32
  And
• 4:32
  I'm
• 4:32
  not
• 4:33
  saying
• 4:33
  That
• 4:33
  a
• 4:33
  piggy
• 4:33
  bank
• 4:34
  isn't
• 4:34
  a
• 4:34
  great
• 4:34
  start.
• 4:35
  Abby
• 4:35
  and
• 4:35
  I
• 4:35
  again,
• 4:36
  we
• 4:36
  were
• 4:36
  talking
• 4:36
  before
• 4:36
  the
• 4:37
  show.
• 4:37
  She
• 4:37
  had
• 4:37
  a
• 4:37
  piggy
• 4:37
  bank.
• 4:38
  Hers
• 4:38
  was
• 4:39
  plastic.
• 4:39
  She
• 4:39
  said
• 4:39
  to
• 4:39
  me
• 4:39
  she
• 4:40
  was
• 4:40
  rough.
• 4:40
  It
• 4:40
  was
• 4:40
  real
• 4:40
  easy
• 4:40
  to
• 4:41
  get
• 4:41
  into
• 4:41
  it.
• 4:41
  Mine
• 4:42
  wasn't
• 4:42
  so
• 4:42
  easy
• 4:42
  to
• 4:42
  get
• 4:42
  into,
• 4:43
  so
• 4:43
  I
• 4:43
  ended
• 4:43
  up
• 4:43
  breaking
• 4:43
  it.
• 4:44
  But
• 4:44
  I
• 4:44
  wanted
• 4:44
  that
• 4:44
  money
• 4:44
  for
• 4:44
  the
• 4:45
  arcade.
• 4:46
  But
• 4:46
  it
• 4:46
  is
• 4:46
  a
• 4:46
  great
• 4:47
  way
• 4:47
  to
• 4:47
  start
• 4:47
  teaching
• 4:48
  kids
• 4:48
  about
• 4:48
  savings.
• 4:49
  It's
• 4:50
  a
• 4:50
  start.
• 4:50
  But
• 4:50
  listen,
• 4:51
  don't
• 4:51
  stop
• 4:51
  there.
• 4:52
  So
• 4:52
  many
• 4:53
  parents
• 4:53
  don't
• 4:53
  teach
• 4:53
  their
• 4:54
  children
• 4:55
  financial
• 4:56
  literacy.
• 4:56
  And
• 4:57
  as
• 4:57
  a
• 4:57
  country,
• 4:57
  and
• 4:58
  I'm
• 4:58
  speaking
• 4:58
  for
• 4:58
  the
• 4:58
  US
• 4:58
  right
• 4:59
  now,
• 5:00
  I
• 5:00
  think
• 5:00
  we
• 5:00
  do
• 5:00
  a
• 5:00
  poor
• 5:01
  job
• 5:01
  of
• 5:01
  this.
• 5:02
  So
• 5:02
  start
• 5:02
  there.
• 5:03
  Start
• 5:03
  to
• 5:03
  teach
• 5:03
  them
• 5:03
  that
• 5:04
  financial
• 5:04
  literacy
• 5:04
  and
• 5:05
  do
• 5:05
  think
• 5:05
  about
• 5:06
  college
• 5:06
  savings.
• 5:08
  My
• 5:08
  kids
• 5:08
  are
• 5:08
  24
• 5:09
  and
• 5:09
  28.
• 5:09
  I
• 5:09
  remember
• 5:09
  when
• 5:10
  they
• 5:10
  were
• 5:10
  just
• 5:10
  toddlers.
• 5:11
  Next
• 5:11
  thing
• 5:11
  you
• 5:12
  know,
• 5:12
  they're
• 5:12
  graduating
• 5:12
  from
• 5:12
  high
• 5:12
  school,
• 5:13
  going
• 5:13
  on
• 5:13
  to
• 5:13
  College.
• 5:14
  So
• 5:14
  these
• 5:15
  529
• 5:15
  plans,
• 5:16
  these
• 5:16
  ESA,
• 5:16
  these
• 5:17
  educational
• 5:17
  savings
• 5:18
  accounts
• 5:18
  are
• 5:18
  powerful
• 5:19
  college
• 5:19
  funding
• 5:19
  ideas.
• 5:20
  There's
• 5:20
  great
• 5:20
  tax
• 5:20
  benefits
• 5:21
  to
• 5:21
  them.
• 5:21
  I've
• 5:21
  done
• 5:21
  shows
• 5:22
  on
• 5:22
  them.
• 5:22
  I'm
• 5:22
  not
• 5:22
  going
• 5:22
  to
• 5:22
  get
• 5:22
  into
• 5:22
  that
• 5:23
  today.
• 5:23
  Another
• 5:24
  thing
• 5:24
  you
• 5:24
  can
• 5:24
  do
• 5:24
  is
• 5:24
  create
• 5:25
  a
• 5:25
  custodial
• 5:25
  account.
• 5:26
  You
• 5:27
  might
• 5:27
  be
• 5:27
  like,
• 5:27
  what
• 5:27
  is
• 5:27
  that,
• 5:27
  Ralph?
• 5:28
  Well,
• 5:28
  you
• 5:28
  can
• 5:28
  go
• 5:28
  to
• 5:28
  the
• 5:28
  bank
• 5:29
  and
• 5:29
  you
• 5:29
  can
• 5:29
  open
• 5:30
  up
• 5:30
  an
• 5:30
  account
• 5:30
  with
• 5:30
  your
• 5:31
  child.
• 5:31
  Remember,
• 5:31
  my
• 5:31
  mom
• 5:32
  and
• 5:32
  dad
• 5:32
  did
• 5:32
  this.
• 5:32
  I
• 5:33
  did
• 5:33
  this
• 5:33
  with
• 5:33
  my
• 5:33
  kids.
• 5:34
  You
• 5:34
  teach
• 5:35
  them
• 5:35
  ownership.
• 5:35
  I'll
• 5:35
  never
• 5:36
  forget
• 5:36
  it.
• 5:36
  When
• 5:36
  I
• 5:36
  was
• 5:36
  a
• 5:36
  kid,
• 5:37
  they
• 5:37
  used
• 5:37
  to
• 5:37
  give
• 5:37
  you
• 5:37
  this
• 5:37
  thing
• 5:37
  called
• 5:38
  a
• 5:38
  passbook
• 5:38
  to
• 5:39
  savings
• 5:39
  account.
• 5:39
  I'm
• 5:39
  really
• 5:40
  dating
• 5:40
  myself.
• 5:41
  But
• 5:41
  you'd
• 5:41
  have
• 5:41
  this
• 5:42
  book
• 5:42
  and
• 5:42
  every
• 5:42
  time
• 5:42
  you'd
• 5:43
  put
• 5:43
  money,
• 5:43
  you
• 5:43
  go
• 5:43
  into
• 5:44
  the
• 5:44
  bank,
• 5:44
  you
• 5:44
  stand
• 5:45
  in
• 5:45
  line
• 5:45
  with
• 5:45
  all
• 5:45
  the
• 5:46
  cool
• 5:46
  people,
• 5:46
  you
• 5:46
  go
• 5:47
  up
• 5:47
  and
• 5:47
  give
• 5:47
  the
• 5:47
  teller
• 5:48
  maybe
• 5:48
  two
• 5:48
  bucks
• 5:48
  or
• 5:48
  five
• 5:49
  bucks,
• 5:49
  maybe
• 5:49
  you
• 5:49
  got
• 5:49
  it
• 5:49
  for
• 5:50
  birthday
• 5:50
  money.
• 5:50
  And
• 5:51
  they'd
• 5:51
  stamp
• 5:51
  that
• 5:51
  in
• 5:51
  the
• 5:51
  book.
• 5:52
  And
• 5:52
  I
• 5:52
  remember
• 5:52
  as
• 5:52
  a
• 5:52
  kid,
• 5:53
  I
• 5:53
  was
• 5:53
  like,
• 5:53
  that's
• 5:53
  cool.
• 5:53
  Look
• 5:54
  at
• 5:54
  that,
• 5:54
  my
• 5:54
  money's
• 5:55
  growing.
• 5:56
  What
• 5:57
  was
• 5:57
  my
• 5:57
  mom
• 5:57
  and
• 5:57
  dad
• 5:58
  doing?
• 5:58
  And
• 5:58
  I
• 5:58
  got
• 5:58
  to
• 5:58
  say
• 5:58
  my
• 5:59
  mom
• 5:59
  kind
• 5:59
  of
• 5:59
  took
• 5:59
  the
• 6:00
  lead
• 6:00
  on
• 6:00
  this.
• 6:01
  They
• 6:01
  were
• 6:01
  teaching
• 6:02
  me
• 6:02
  finances
• 6:02
  early.
• 6:03
  Maybe
• 6:03
  that's
• 6:03
  why
• 6:03
  I'm
• 6:03
  an
• 6:03
  accountant
• 6:04
  now.
• 6:04
  Of
• 6:04
  course,
• 6:04
  I
• 6:04
  grew
• 6:05
  up
• 6:05
  in
• 6:05
  accounting.
• 6:05
  I've
• 6:06
  been
• 6:06
  doing
• 6:06
  accounting
• 6:06
  work
• 6:06
  since
• 6:07
  I
• 6:07
  was
• 6:07
  8.
• 6:07
  But
• 6:07
  that's
• 6:07
  a
• 6:07
  whole
• 6:08
  nother
• 6:08
  story.
• 6:09
  But
• 6:09
  the
• 6:09
  truth
• 6:09
  is,
• 6:10
  and
• 6:10
  I've
• 6:10
  seen
• 6:10
  this
• 6:10
  in
• 6:10
  my
• 6:11
  own
• 6:11
  life,
• 6:11
  the
• 6:11
  earlier
• 6:12
  you
• 6:12
  teach
• 6:12
  kids
• 6:12
  about
• 6:13
  money,
• 6:14
  the
• 6:14
  stronger
• 6:15
  their
• 6:15
  future
• 6:15
  foundation
• 6:16
  is
• 6:16
  going
• 6:16
  to
• 6:16
  be.
• 6:16
  And
• 6:17
  as
• 6:17
  part
• 6:17
  of
• 6:17
  that,
• 6:18
  this
• 6:18
  is
• 6:18
  a
• 6:19
  Christian
• 6:19
  finance
• 6:20
  show.
• 6:20
  One
• 6:21
  of
• 6:21
  the
• 6:21
  strongest
• 6:21
  things
• 6:22
  that
• 6:22
  you
• 6:22
  can
• 6:22
  teach
• 6:22
  them
• 6:23
  is
• 6:23
  Christian
• 6:24
  stewardship.
• 6:25
  See,
• 6:25
  it
• 6:25
  goes
• 6:26
  beyond
• 6:26
  money.
• 6:27
  Teach
• 6:27
  them
• 6:27
  about
• 6:28
  faith.
• 6:28
  Based
• 6:29
  financial
• 6:29
  wisdom,
• 6:30
  because
• 6:31
  that's
• 6:31
  really
• 6:31
  a
• 6:31
  legacy
• 6:31
  gift.
• 6:32
  Which
• 6:32
  leads
• 6:32
  me
• 6:32
  to
• 6:32
  this
• 6:32
  story.
• 6:33
  I
• 6:33
  never
• 6:33
  forget
• 6:33
  this
• 6:33
  story.
• 6:34
  My
• 6:34
  youngest
• 6:35
  son.
• 6:35
  Now,
• 6:35
  my
• 6:35
  youngest
• 6:36
  son,
• 6:36
  he's
• 6:36
  more
• 6:37
  of
• 6:37
  a
• 6:37
  spendthrift.
• 6:37
  He's
• 6:38
  not
• 6:38
  one
• 6:38
  of
• 6:38
  these
• 6:38
  savers.
• 6:38
  My
• 6:39
  oldest
• 6:39
  kid,
• 6:39
  dude,
• 6:39
  he
• 6:40
  will
• 6:40
  save.
• 6:40
  He
• 6:40
  probably
• 6:41
  got
• 6:41
  more
• 6:41
  saved
• 6:41
  than
• 6:41
  I
• 6:42
  have.
• 6:42
  He's
• 6:43
  a
• 6:43
  saver.
• 6:43
  My
• 6:43
  youngest
• 6:44
  son
• 6:44
  is
• 6:44
  a
• 6:44
  spender.
• 6:45
  You
• 6:45
  talk
• 6:45
  about
• 6:45
  deficit
• 6:46
  spending.
• 6:46
  This
• 6:46
  dude
• 6:47
  is
• 6:47
  spending
• 6:47
  money
• 6:47
  he's
• 6:47
  never
• 6:47
  going
• 6:48
  to
• 6:48
  get.
• 6:48
  And
• 6:48
  I'm
• 6:48
  not
• 6:48
  picking
• 6:49
  on
• 6:49
  him,
• 6:49
  but
• 6:49
  I'll
• 6:49
  never
• 6:50
  get.
• 6:50
  He
• 6:50
  was
• 6:50
  a
• 6:50
  young
• 6:50
  kid
• 6:51
  and
• 6:51
  we
• 6:51
  were
• 6:51
  going
• 6:51
  to
• 6:52
  church
• 6:52
  and
• 6:52
  we're
• 6:52
  trying
• 6:52
  to
• 6:52
  teach
• 6:53
  the
• 6:53
  kids
• 6:53
  tithing,
• 6:54
  giving
• 6:55
  something
• 6:55
  back
• 6:55
  to
• 6:55
  the
• 6:56
  church.
• 6:56
  And
• 6:56
  I
• 6:56
  said,
• 6:56
  listen,
• 6:56
  kids,
• 6:57
  here's
• 6:57
  what
• 6:57
  I'm
• 6:57
  going
• 6:57
  to
• 6:57
  encourage
• 6:58
  you
• 6:58
  to
• 6:58
  do.
• 6:58
  Mom
• 6:58
  and
• 6:58
  dad
• 6:59
  are
• 6:59
  going
• 6:59
  to
• 6:59
  give
• 6:59
  you
• 6:59
  an
• 6:59
  allowance.
• 6:59
  Now,
• 7:00
  I
• 7:00
  don't
• 7:00
  call
• 7:00
  it
• 7:00
  an
• 7:00
  allowance
• 7:00
  because
• 7:01
  they
• 7:01
  worked
• 7:01
  for
• 7:01
  it.
• 7:02
  I
• 7:02
  think
• 7:02
  it's
• 7:02
  a
• 7:02
  commission.
• 7:03
  I
• 7:03
  did
• 7:04
  a
• 7:04
  show
• 7:04
  about
• 7:04
  that.
• 7:04
  Check
• 7:04
  that
• 7:04
  out.
• 7:05
  Don't
• 7:05
  pay
• 7:05
  your
• 7:05
  kids
• 7:05
  an
• 7:06
  allowance.
• 7:06
  Pay
• 7:06
  your
• 7:06
  kids
• 7:07
  a
• 7:07
  commission.
• 7:07
  Encourage
• 7:08
  them
• 7:08
  to
• 7:08
  work.
• 7:08
  Anyway,
• 7:09
  I
• 7:09
  said
• 7:10
  to
• 7:10
  them,
• 7:10
  kids,
• 7:10
  I
• 7:10
  want
• 7:10
  you
• 7:11
  to
• 7:11
  really
• 7:11
  think
• 7:11
  about
• 7:11
  giving
• 7:12
  10%
• 7:12
  of
• 7:13
  your
• 7:13
  commission
• 7:14
  to
• 7:15
  church
• 7:15
  every
• 7:15
  Sunday.
• 7:15
  I
• 7:16
  never
• 7:16
  forget,
• 7:16
  we're
• 7:16
  on
• 7:16
  the
• 7:16
  church.
• 7:17
  We're
• 7:17
  going
• 7:17
  to
• 7:17
  church.
• 7:17
  One
• 7:17
  Sunday
• 7:18
  morning,
• 7:18
  we'd
• 7:18
  all
• 7:18
  piled
• 7:19
  in
• 7:19
  the
• 7:19
  truck
• 7:19
  and
• 7:19
  we're
• 7:20
  driving
• 7:20
  along,
• 7:21
  and
• 7:21
  I
• 7:21
  said
• 7:21
  to
• 7:21
  the
• 7:22
  boys,
• 7:22
  I
• 7:22
  said,
• 7:22
  okay,
• 7:22
  are
• 7:23
  you
• 7:23
  boys
• 7:23
  ready
• 7:23
  for
• 7:24
  your
• 7:24
  tithe
• 7:24
  today?
• 7:24
  Of
• 7:25
  course.
• 7:25
  My
• 7:25
  oldest
• 7:25
  son
• 7:25
  is,
• 7:26
  yes,
• 7:26
  dad,
• 7:26
  I've
• 7:26
  got
• 7:26
  the
• 7:27
  money
• 7:27
  right
• 7:27
  here.
• 7:27
  I've
• 7:28
  already
• 7:28
  figured
• 7:28
  it
• 7:28
  out.
• 7:28
  It's
• 7:29
  exactly
• 7:29
  10%
• 7:29
  of
• 7:30
  the.
• 7:30
  Of
• 7:30
  what
• 7:30
  I
• 7:30
  made
• 7:30
  on
• 7:30
  commission
• 7:31
  this
• 7:31
  week.
• 7:31
  I
• 7:31
  said,
• 7:32
  son,
• 7:32
  that
• 7:32
  is
• 7:33
  fantastic.
• 7:34
  And
• 7:34
  he
• 7:34
  had
• 7:35
  done
• 7:35
  a
• 7:35
  great
• 7:35
  job.
• 7:35
  He
• 7:35
  understood
• 7:36
  it.
• 7:37
  My
• 7:37
  youngest
• 7:38
  son,
• 7:38
  he's
• 7:39
  like,
• 7:39
  but,
• 7:39
  dad,
• 7:39
  do
• 7:40
  I
• 7:40
  really
• 7:40
  have
• 7:40
  to
• 7:40
  do
• 7:41
  this?
• 7:41
  This
• 7:42
  is
• 7:42
  my
• 7:42
  money.
• 7:42
  I
• 7:43
  work
• 7:43
  so
• 7:43
  hard
• 7:43
  for
• 7:43
  this.
• 7:44
  You
• 7:44
  know,
• 7:44
  I
• 7:44
  did.
• 7:44
  I
• 7:45
  don't
• 7:45
  remember
• 7:45
  what
• 7:45
  he
• 7:45
  was
• 7:45
  doing
• 7:45
  at
• 7:45
  the
• 7:46
  time.
• 7:46
  He
• 7:46
  was
• 7:46
  probably
• 7:46
  four
• 7:46
  or
• 7:47
  five
• 7:47
  years
• 7:47
  old.
• 7:47
  Maybe
• 7:47
  he
• 7:47
  was
• 7:47
  putting
• 7:48
  the
• 7:48
  dishes
• 7:48
  away
• 7:48
  from
• 7:48
  the
• 7:49
  dishwasher
• 7:49
  or
• 7:50
  something
• 7:50
  like
• 7:50
  that.
• 7:50
  And
• 7:50
  he
• 7:50
  said,
• 7:51
  dad,
• 7:51
  do
• 7:51
  I
• 7:51
  really
• 7:52
  need
• 7:52
  to
• 7:52
  do
• 7:52
  this?
• 7:53
  And
• 7:53
  he
• 7:54
  was
• 7:54
  so
• 7:54
  reluctant,
• 7:54
  but
• 7:54
  it
• 7:55
  was
• 7:55
  great
• 7:55
  because
• 7:55
  it
• 7:56
  gave
• 7:56
  me
• 7:56
  that
• 7:56
  opportunity
• 7:57
  to
• 7:57
  talk
• 7:57
  about
• 7:57
  the
• 7:57
  cheerful
• 7:57
  giver.
• 7:58
  We
• 7:58
  talked
• 7:58
  about
• 7:58
  that
• 7:59
  on
• 7:59
  this
• 7:59
  show
• 7:59
  a
• 7:59
  few
• 7:59
  times.
• 7:59
  My
• 8:00
  youngest
• 8:00
  son
• 8:00
  was
• 8:00
  certainly
• 8:01
  not
• 8:01
  the
• 8:01
  cheerful
• 8:01
  give,
• 8:03
  but
• 8:03
  he
• 8:03
  understood
• 8:04
  that,
• 8:04
  that
• 8:04
  stewardship
• 8:05
  lesson.
• 8:06
  And
• 8:06
  I'll
• 8:06
  never
• 8:07
  forget,
• 8:07
  we
• 8:07
  sat
• 8:07
  down
• 8:07
  in
• 8:08
  the
• 8:08
  pew
• 8:08
  and
• 8:08
  they
• 8:08
  passed
• 8:08
  the
• 8:09
  cleat.
• 8:09
  And
• 8:09
  my
• 8:09
  oldest
• 8:10
  son,
• 8:10
  he
• 8:10
  dropped
• 8:10
  it
• 8:10
  in
• 8:10
  real
• 8:11
  quick.
• 8:11
  He
• 8:11
  heard
• 8:11
  the
• 8:11
  clink
• 8:11
  go.
• 8:12
  My
• 8:12
  youngest
• 8:13
  son,
• 8:13
  he's
• 8:13
  looking
• 8:13
  at
• 8:13
  the
• 8:13
  plate
• 8:14
  and
• 8:14
  he
• 8:14
  Looks
• 8:14
  at
• 8:14
  his
• 8:14
  money,
• 8:15
  he
• 8:15
  looks
• 8:15
  at
• 8:16
  the
• 8:16
  plate,
• 8:16
  and
• 8:16
  I
• 8:16
  gave
• 8:16
  him
• 8:17
  a
• 8:17
  little
• 8:17
  nudge.
• 8:17
  Next
• 8:17
  thing
• 8:18
  you
• 8:18
  know,
• 8:18
  change
• 8:18
  went
• 8:19
  in
• 8:19
  the
• 8:19
  plate.
• 8:20
  Now,
• 8:20
  I
• 8:20
  was
• 8:20
  half
• 8:20
  thinking
• 8:21
  he
• 8:21
  was
• 8:21
  going
• 8:21
  to
• 8:21
  grab
• 8:21
  some
• 8:21
  out
• 8:22
  of
• 8:22
  the
• 8:22
  plate
• 8:22
  and
• 8:22
  take
• 8:22
  an
• 8:22
  extra
• 8:23
  commission,
• 8:23
  but
• 8:23
  thank
• 8:23
  God
• 8:24
  he
• 8:24
  didn't
• 8:24
  do
• 8:24
  that.
• 8:25
  Well,
• 8:25
  let's
• 8:25
  get
• 8:25
  to
• 8:25
  our
• 8:26
  Bible
• 8:26
  verse
• 8:26
  today.
• 8:26
  This
• 8:26
  one
• 8:27
  comes
• 8:27
  from
• 8:27
  the
• 8:27
  book
• 8:27
  of
• 8:27
  Proverbs.
• 8:28
  This
• 8:28
  is
• 8:29
  chapter
• 8:29
  22,
• 8:30
  verse
• 8:30
  6.
• 8:30
  And
• 8:31
  this
• 8:31
  is
• 8:31
  all
• 8:31
  about
• 8:31
  biblical
• 8:32
  foundation.
• 8:33
  This
• 8:33
  is
• 8:33
  one
• 8:33
  you
• 8:34
  want
• 8:34
  to
• 8:34
  understand
• 8:34
  and
• 8:35
  remember
• 8:35
  this
• 8:35
  one
• 8:36
  again,
• 8:36
  Proverbs
• 8:36
  22,
• 8:37
  6.
• 8:38
  Start
• 8:39
  children
• 8:39
  off
• 8:39
  on
• 8:40
  the
• 8:40
  way
• 8:40
  they
• 8:40
  should
• 8:40
  go,
• 8:41
  and
• 8:41
  when
• 8:41
  they
• 8:41
  are
• 8:42
  old,
• 8:42
  they
• 8:42
  will
• 8:43
  not
• 8:43
  turn
• 8:43
  from
• 8:43
  it.
• 8:44
  That's
• 8:45
  this
• 8:45
  foundation
• 8:45
  thing
• 8:45
  right
• 8:46
  here.
• 8:46
  What
• 8:46
  is
• 8:46
  the
• 8:46
  Bible
• 8:46
  telling
• 8:47
  us?
• 8:47
  Start
• 8:47
  showing
• 8:47
  off
• 8:48
  on
• 8:48
  the
• 8:48
  way
• 8:49
  they
• 8:49
  should
• 8:49
  go.
• 8:50
  And
• 8:50
  when
• 8:50
  they're
• 8:51
  old,
• 8:51
  like
• 8:51
  me,
• 8:52
  53
• 8:52
  years
• 8:52
  old,
• 8:52
  I'm
• 8:53
  an
• 8:53
  old
• 8:53
  guy,
• 8:54
  they
• 8:54
  will
• 8:54
  not
• 8:54
  turn
• 8:55
  from
• 8:55
  it.
• 8:55
  It
• 8:55
  all
• 8:55
  starts
• 8:56
  with
• 8:56
  that
• 8:56
  strong
• 8:56
  foundation,
• 8:57
  which
• 8:58
  leads
• 8:58
  me
• 8:58
  to
• 8:58
  this
• 8:59
  bonus
• 8:59
  verse.
• 8:59
  This
• 8:59
  is
• 8:59
  two
• 9:00
  days
• 9:00
  in
• 9:00
  a
• 9:00
  row
• 9:00
  we're
• 9:00
  doing
• 9:00
  a
• 9:00
  bonus
• 9:01
  verse,
• 9:01
  but
• 9:02
  I
• 9:02
  think
• 9:02
  we
• 9:02
  need
• 9:02
  to
• 9:02
  do
• 9:02
  this.
• 9:03
  This
• 9:03
  is
• 9:03
  From
• 9:03
  Deuteronomy,
• 9:04
  chapter
• 9:04
  6,
• 9:05
  verses
• 9:05
  6
• 9:05
  and
• 9:06
  7.
• 9:07
  These
• 9:07
  commandments
• 9:08
  that
• 9:08
  I
• 9:08
  give
• 9:08
  you
• 9:08
  today
• 9:09
  are
• 9:09
  to
• 9:09
  be
• 9:09
  on
• 9:10
  your
• 9:10
  hearts.
• 9:11
  Impress
• 9:11
  them
• 9:12
  on
• 9:12
  your
• 9:13
  children.
• 9:14
  Talk
• 9:14
  about
• 9:15
  them
• 9:15
  when
• 9:15
  you
• 9:15
  sit
• 9:15
  at
• 9:16
  home
• 9:16
  and
• 9:16
  when
• 9:16
  you
• 9:16
  walk
• 9:16
  along
• 9:17
  the
• 9:17
  road,
• 9:17
  when
• 9:18
  you
• 9:18
  lie
• 9:18
  down
• 9:19
  and
• 9:19
  when
• 9:19
  you
• 9:19
  get
• 9:19
  up.
• 9:20
  Yes,
• 9:20
  when
• 9:20
  you're
• 9:20
  driving
• 9:21
  to
• 9:21
  church.
• 9:22
  Talk
• 9:22
  to
• 9:22
  your
• 9:23
  kids
• 9:23
  about
• 9:23
  this.
• 9:23
  Talk
• 9:24
  to
• 9:24
  your
• 9:24
  kids
• 9:24
  about
• 9:24
  finances.
• 9:25
  Talk
• 9:26
  to
• 9:26
  your
• 9:26
  kids
• 9:26
  about
• 9:27
  faith
• 9:27
  and
• 9:27
  finance
• 9:28
  together.
• 9:29
  When
• 9:29
  you're
• 9:29
  at
• 9:29
  home,
• 9:29
  when
• 9:30
  you're
• 9:30
  walking
• 9:30
  along
• 9:30
  the
• 9:30
  road,
• 9:31
  when
• 9:31
  you
• 9:31
  lie
• 9:31
  down.
• 9:32
  Teach
• 9:32
  them
• 9:33
  early
• 9:33
  and
• 9:33
  teach
• 9:34
  them
• 9:34
  often.
• 9:34
  It's
• 9:35
  going
• 9:35
  to
• 9:35
  make
• 9:35
  all
• 9:35
  the
• 9:35
  difference.
• 9:36
  Let's
• 9:37
  pray
• 9:37
  together
• 9:37
  right
• 9:37
  now.
• 9:38
  Father,
• 9:38
  we
• 9:39
  come
• 9:39
  to
• 9:39
  you
• 9:39
  right
• 9:39
  now
• 9:40
  and
• 9:40
  we
• 9:40
  just
• 9:40
  ask
• 9:40
  for
• 9:41
  wisdom,
• 9:41
  Lord,
• 9:41
  and
• 9:42
  especially
• 9:42
  as
• 9:42
  parents,
• 9:43
  if
• 9:43
  you're
• 9:44
  a
• 9:44
  parent
• 9:44
  right
• 9:44
  now.
• 9:44
  Listen,
• 9:45
  Lord,
• 9:45
  we
• 9:45
  would
• 9:45
  just
• 9:46
  want
• 9:46
  you
• 9:46
  to
• 9:46
  help
• 9:46
  us
• 9:46
  to
• 9:47
  prepare
• 9:47
  our
• 9:47
  kids
• 9:47
  well
• 9:48
  for
• 9:48
  their
• 9:48
  future.
• 9:48
  Lord,
• 9:49
  you've
• 9:50
  given
• 9:50
  us
• 9:50
  a
• 9:50
  huge
• 9:50
  obligation
• 9:51
  here,
• 9:51
  Lord,
• 9:52
  we
• 9:52
  just
• 9:53
  ask
• 9:53
  you
• 9:53
  right
• 9:53
  now
• 9:53
  to
• 9:53
  help
• 9:53
  us
• 9:54
  do
• 9:54
  that.
• 9:55
  Help
• 9:55
  us
• 9:55
  to
• 9:55
  model
• 9:56
  that
• 9:56
  stewardship,
• 9:56
  Lord,
• 9:57
  even
• 9:57
  if
• 9:57
  we
• 9:57
  didn't
• 9:57
  grow
• 9:57
  up
• 9:58
  around
• 9:58
  that
• 9:58
  ourselves,
• 9:59
  help
• 9:59
  us
• 9:59
  to
• 9:59
  model
• 10:00
  that.
• 10:00
  And
• 10:00
  help
• 10:00
  us
• 10:00
  to
• 10:00
  model
• 10:01
  our
• 10:01
  faith
• 10:01
  and
• 10:02
  help
• 10:02
  our
• 10:02
  children
• 10:02
  to
• 10:03
  see
• 10:03
  us
• 10:03
  as
• 10:03
  being
• 10:04
  good
• 10:04
  stewards
• 10:05
  of
• 10:05
  what
• 10:05
  you've
• 10:05
  entrusted
• 10:06
  to
• 10:06
  us,
• 10:06
  Lord.
• 10:07
  And
• 10:07
  we
• 10:07
  just
• 10:07
  thank
• 10:08
  you
• 10:08
  again
• 10:08
  for
• 10:08
  these
• 10:08
  children
• 10:09
  you've
• 10:09
  entrusted
• 10:10
  us
• 10:10
  to.
• 10:10
  And
• 10:10
  if
• 10:10
  we
• 10:10
  don't
• 10:10
  have
• 10:10
  children,
• 10:11
  maybe
• 10:11
  you're
• 10:12
  working
• 10:12
  with
• 10:12
  our
• 10:12
  grandchildren
• 10:13
  or
• 10:13
  other
• 10:13
  people
• 10:14
  that
• 10:14
  we
• 10:14
  come
• 10:14
  into
• 10:15
  contact
• 10:15
  with.
• 10:15
  Lord,
• 10:16
  just
• 10:16
  give
• 10:16
  us
• 10:16
  courage
• 10:17
  to
• 10:17
  do
• 10:17
  that.
• 10:17
  Give
• 10:17
  us
• 10:18
  courage
• 10:18
  to
• 10:18
  help
• 10:19
  our
• 10:19
  children
• 10:19
  understand
• 10:20
  Finance
• 10:21
  and
• 10:21
  teach
• 10:22
  them
• 10:22
  in
• 10:22
  the
• 10:22
  way
• 10:22
  they
• 10:22
  should
• 10:23
  go,
• 10:23
  like
• 10:23
  the
• 10:23
  scripture
• 10:23
  says.
• 10:24
  And
• 10:24
  we
• 10:24
  ask
• 10:24
  this
• 10:24
  in
• 10:24
  confidence
• 10:25
  in
• 10:25
  the
• 10:25
  name
• 10:26
  of
• 10:26
  Jesus.
• 10:27
  Amen.
• 10:28
  All
• 10:28
  right,
• 10:28
  well,
• 10:28
  here's
• 10:29
  your
• 10:29
  one
• 10:29
  action
• 10:29
  step
• 10:30
  for
• 10:30
  today.
• 10:30
  Not
• 10:30
  going
• 10:31
  to
• 10:31
  be
• 10:31
  too
• 10:31
  complicated
• 10:31
  today,
• 10:32
  but
• 10:32
  here's
• 10:32
  what
• 10:32
  I
• 10:32
  want
• 10:33
  you
• 10:33
  to
• 10:33
  do.
• 10:33
  If
• 10:33
  you
• 10:34
  have
• 10:34
  a
• 10:34
  child
• 10:34
  or
• 10:34
  a
• 10:34
  grandchild
• 10:35
  or
• 10:35
  maybe
• 10:36
  you've
• 10:36
  got
• 10:36
  a
• 10:36
  nephew
• 10:36
  or
• 10:37
  a
• 10:37
  niece,
• 10:37
  do
• 10:38
  looking
• 10:38
  into
• 10:38
  some
• 10:39
  529
• 10:40
  plans
• 10:40
  or
• 10:40
  an
• 10:40
  ESA
• 10:41
  account
• 10:41
  or
• 10:41
  maybe
• 10:41
  even
• 10:42
  a
• 10:42
  custodial
• 10:42
  account.
• 10:42
  I
• 10:43
  actually
• 10:43
  set
• 10:43
  up
• 10:43
  one
• 10:43
  of
• 10:44
  these
• 10:44
  for
• 10:44
  my
• 10:44
  niece
• 10:44
  when
• 10:45
  she
• 10:45
  was
• 10:45
  born.
• 10:46
  Start
• 10:46
  to
• 10:46
  research
• 10:47
  how
• 10:47
  to
• 10:47
  start
• 10:48
  your
• 10:48
  children
• 10:48
  or
• 10:49
  your
• 10:49
  grandchildren
• 10:50
  this
• 10:50
  week
• 10:50
  on
• 10:50
  how
• 10:50
  to
• 10:51
  build
• 10:51
  that
• 10:51
  foundation.
• 10:52
  It
• 10:52
  doesn't
• 10:53
  have
• 10:53
  to
• 10:53
  be
• 10:53
  big,
• 10:53
  but
• 10:53
  just
• 10:54
  help
• 10:54
  them
• 10:54
  build
• 10:54
  that
• 10:55
  foundation.
• 10:56
  And
• 10:56
  as
• 10:56
  I
• 10:56
  said
• 10:57
  earlier,
• 10:57
  piggy
• 10:58
  banks
• 10:58
  are
• 10:58
  a
• 10:58
  start.
• 10:58
  They're
• 10:59
  a
• 10:59
  great
• 10:59
  start.
• 11:00
  Don't
• 11:01
  do
• 11:01
  the
• 11:01
  ceramic
• 11:01
  ones
• 11:02
  like
• 11:02
  Abby
• 11:02
  said.
• 11:02
  Do
• 11:03
  the
• 11:03
  plastic
• 11:03
  ones.
• 11:03
  You
• 11:03
  don't
• 11:03
  break
• 11:04
  them.
• 11:04
  They're
• 11:04
  easy
• 11:04
  to
• 11:04
  deal
• 11:05
  with.
• 11:05
  But
• 11:06
  be
• 11:06
  real
• 11:06
  about
• 11:06
  that.
• 11:07
  Real
• 11:08
  growth
• 11:08
  comes
• 11:08
  from
• 11:09
  structured
• 11:09
  accounts.
• 11:10
  It's
• 11:10
  going
• 11:10
  to
• 11:10
  have
• 11:10
  to
• 11:10
  go
• 11:10
  beyond
• 11:10
  that
• 11:11
  piggy
• 11:11
  bank.
• 11:11
  Think
• 11:12
  about
• 11:12
  the
• 11:12
  529
• 11:13
  plans,
• 11:13
  the
• 11:13
  ESA,
• 11:14
  the
• 11:14
  tax
• 11:14
  benefits
• 11:14
  of
• 11:15
  those
• 11:15
  are
• 11:15
  great.
• 11:15
  Like
• 11:16
  I
• 11:16
  said,
• 11:16
  I'll
• 11:16
  cover
• 11:16
  that
• 11:17
  in
• 11:17
  another
• 11:17
  episode.
• 11:17
  You
• 11:17
  can
• 11:18
  check
• 11:18
  out
• 11:18
  our
• 11:18
  show
• 11:18
  notes
• 11:18
  for
• 11:19
  that.
• 11:19
  All
• 11:20
  might
• 11:20
  consider
• 11:20
  those
• 11:20
  custodial
• 11:21
  accounts.
• 11:21
  They're
• 11:21
  a
• 11:21
  great
• 11:21
  way
• 11:22
  to
• 11:22
  teach
• 11:22
  responsibility.
• 11:23
  Because
• 11:23
  here's
• 11:24
  the
• 11:24
  deal.
• 11:24
  Teaching
• 11:25
  financial
• 11:26
  stewardship
• 11:26
  is
• 11:27
  the
• 11:27
  most
• 11:27
  valuable
• 11:28
  gift
• 11:28
  that
• 11:28
  you
• 11:28
  can
• 11:28
  ever
• 11:29
  give
• 11:29
  your
• 11:29
  kids,
• 11:30
  your
• 11:30
  grandkids,
• 11:31
  your
• 11:31
  nieces
• 11:31
  and
• 11:31
  nephews.
• 11:32
  You
• 11:33
  got
• 11:33
  to
• 11:33
  do
• 11:33
  that.
• 11:34
  Now,
• 11:34
  make
• 11:34
  sure
• 11:35
  you
• 11:35
  join
• 11:35
  me
• 11:35
  tomorrow.
• 11:36
  Tomorrow
• 11:36
  I'm
• 11:36
  going
• 11:36
  to
• 11:36
  change
• 11:37
  topics
• 11:37
  a
• 11:37
  little
• 11:37
  bit.
• 11:37
  We're
• 11:38
  still
• 11:38
  going
• 11:38
  to
• 11:38
  continue
• 11:38
  on
• 11:38
  investments,
• 11:39
  as
• 11:39
  Abby
• 11:39
  said.
• 11:39
  Ralph,
• 11:40
  I
• 11:40
  love
• 11:40
  this
• 11:40
  topic.
• 11:41
  For
• 11:41
  tomorrow.
• 11:42
  We're
• 11:42
  going
• 11:42
  to
• 11:42
  talk
• 11:42
  about
• 11:42
  how
• 11:43
  can
• 11:43
  I
• 11:43
  invest
• 11:43
  to
• 11:44
  create
• 11:44
  passive
• 11:45
  income
• 11:45
  streams.
• 11:46
  Yeah.
• 11:46
  Tomorrow
• 11:46
  we're
• 11:46
  going
• 11:46
  to
• 11:46
  talk
• 11:47
  about
• 11:47
  how
• 11:47
  to
• 11:47
  move
• 11:47
  beyond
• 11:48
  your
• 11:48
  daily
• 11:48
  salary
• 11:49
  or
• 11:49
  your
• 11:49
  hourly
• 11:49
  wage
• 11:50
  and
• 11:50
  really
• 11:50
  start
• 11:51
  to
• 11:51
  build
• 11:51
  money
• 11:51
  that
• 11:51
  makes
• 11:52
  money
• 11:52
  when
• 11:52
  you're
• 11:52
  asleep
• 11:53
  at
• 11:53
  night.
• 11:53
  Yes,
• 11:53
  I
• 11:54
  got
• 11:54
  the
• 11:54
  secrets
• 11:54
  on
• 11:54
  tomorrow's
• 11:55
  show.
• 11:56
  And
• 11:56
  here's
• 11:56
  what
• 11:56
  I
• 11:56
  would
• 11:56
  like
• 11:57
  you
• 11:57
  to
• 11:57
  do
• 11:57
  for
• 11:57
  me.
• 11:58
  I
• 11:58
  don't
• 11:58
  ask
• 11:58
  you
• 11:59
  for
• 11:59
  this
• 11:59
  often,
• 11:59
  but
• 11:59
  I
• 11:59
  would
• 11:59
  love
• 12:00
  it
• 12:00
  if
• 12:00
  you
• 12:00
  would
• 12:00
  support
• 12:00
  this
• 12:01
  show.
• 12:01
  Now,
• 12:01
  one
• 12:01
  of
• 12:01
  the
• 12:01
  ways
• 12:01
  we
• 12:02
  do
• 12:02
  that
• 12:02
  is
• 12:02
  this
• 12:02
  thing
• 12:03
  called
• 12:03
  Buy
• 12:03
  me
• 12:03
  a
• 12:03
  Coffee.
• 12:04
  Now,
• 12:04
  listen,
• 12:04
  I
• 12:04
  don't
• 12:05
  even
• 12:05
  drink
• 12:05
  coffee.
• 12:05
  I
• 12:06
  do
• 12:06
  drink
• 12:06
  hot
• 12:06
  tea.
• 12:07
  There's
• 12:07
  my
• 12:07
  cup
• 12:07
  of
• 12:07
  hot
• 12:08
  tea
• 12:08
  today.
• 12:08
  But
• 12:09
  it's
• 12:09
  a
• 12:10
  virtual
• 12:10
  thing.
• 12:10
  But
• 12:11
  if
• 12:11
  you
• 12:11
  want
• 12:11
  to
• 12:11
  support
• 12:11
  the
• 12:12
  show,
• 12:12
  you
• 12:12
  can
• 12:12
  buy
• 12:12
  me
• 12:13
  a
• 12:13
  virtual
• 12:13
  coffee.
• 12:13
  Buy
• 12:14
  five
• 12:14
  virtual
• 12:14
  coffees.
• 12:15
  Up
• 12:15
  to
• 12:15
  you.
• 12:15
  But
• 12:15
  the
• 12:16
  way
• 12:16
  you
• 12:16
  do
• 12:16
  that
• 12:16
  is
• 12:16
  go
• 12:17
  to
• 12:17
  our
• 12:17
  website.
• 12:17
  That's
• 12:18
  financiallyconfidentchristian.com/support.
• 12:21
  Now
• 12:21
  you
• 12:21
  might
• 12:21
  be
• 12:21
  thinking,
• 12:22
  okay,
• 12:22
  Ralph,
• 12:22
  what
• 12:22
  are
• 12:22
  you
• 12:22
  going
• 12:22
  to
• 12:23
  do
• 12:23
  with
• 12:23
  this
• 12:23
  money?
• 12:24
  Your
• 12:24
  support's
• 12:24
  a
• 12:24
  blessing
• 12:25
  because
• 12:25
  what
• 12:25
  I'm
• 12:26
  going
• 12:26
  to
• 12:26
  do
• 12:26
  with
• 12:26
  it
• 12:26
  is
• 12:27
  I'm
• 12:27
  going
• 12:27
  to
• 12:27
  help
• 12:27
  it
• 12:27
  use
• 12:28
  to
• 12:28
  reach
• 12:28
  other
• 12:29
  people.
• 12:29
  I'm
• 12:29
  going
• 12:29
  to
• 12:30
  invest
• 12:30
  in
• 12:30
  this.
• 12:30
  I'm
• 12:31
  going
• 12:31
  to
• 12:31
  advertise.
• 12:32
  I'm
• 12:32
  going
• 12:32
  to
• 12:32
  do
• 12:33
  more
• 12:33
  things
• 12:33
  to
• 12:33
  build
• 12:34
  the
• 12:34
  listenership
• 12:34
  so
• 12:35
  that
• 12:35
  more
• 12:35
  people
• 12:36
  can
• 12:36
  be
• 12:36
  impacted
• 12:37
  by
• 12:37
  this
• 12:37
  message
• 12:38
  of
• 12:38
  breaking
• 12:38
  free
• 12:39
  from
• 12:39
  that
• 12:39
  financial
• 12:40
  shame
• 12:40
  and
• 12:41
  moving
• 12:41
  on
• 12:41
  with
• 12:41
  confidence.
• 12:42
  And
• 12:42
  you
• 12:42
  can
• 12:42
  help
• 12:42
  me
• 12:42
  do
• 12:43
  that
• 12:43
  by
• 12:43
  supporting
• 12:44
  the
• 12:44
  show.
• 12:44
  Go
• 12:44
  to
• 12:44
  financiallyconfidentchristian.com/support
• 12:48
  and
• 12:48
  show
• 12:48
  me
• 12:48
  some
• 12:49
  love
• 12:49
  today,
• 12:49
  because
• 12:50
  your
• 12:50
  support
• 12:50
  is
• 12:50
  a
• 12:50
  blessing.
• 12:51
  And
• 12:51
  together,
• 12:52
  working
• 12:52
  together,
• 12:52
  truly,
• 12:53
  I
• 12:53
  believe
• 12:53
  this
• 12:53
  with
• 12:54
  all
• 12:54
  my
• 12:54
  heart.
• 12:54
  We
• 12:55
  can
• 12:55
  make
• 12:55
  a
• 12:55
  lasting
• 12:56
  impact
• 12:56
  on
• 12:56
  the
• 12:57
  lives
• 12:57
  of
• 12:57
  so
• 12:57
  many
• 12:58
  people.
• 12:59
  So
• 12:59
  as
• 12:59
  I
• 12:59
  close
• 13:00
  today,
• 13:00
  remember
• 13:00
  this
• 13:00
  today.
• 13:01
  Start
• 13:01
  small.
• 13:02
  Watch
• 13:02
  it
• 13:02
  grow.
• 13:03
  Watch
• 13:03
  those
• 13:03
  children
• 13:03
  just
• 13:04
  take
• 13:04
  off
• 13:04
  with
• 13:04
  that.
• 13:04
  That's
• 13:05
  my
• 13:05
  oldest
• 13:05
  son.
• 13:06
  I
• 13:06
  know
• 13:06
  the
• 13:07
  things
• 13:07
  that
• 13:07
  I
• 13:07
  taught
• 13:07
  him
• 13:07
  when
• 13:08
  he
• 13:08
  was
• 13:08
  real
• 13:08
  young.
• 13:08
  He's
• 13:08
  using
• 13:09
  those
• 13:09
  to
• 13:09
  this
• 13:09
  day.
• 13:10
  So
• 13:10
  choose
• 13:11
  tools
• 13:11
  that
• 13:12
  build
• 13:12
  a
• 13:12
  stronger
• 13:13
  future.
• 13:13
  And
• 13:13
  let's
• 13:14
  all
• 13:14
  guide
• 13:14
  this
• 13:14
  next
• 13:15
  generation
• 13:15
  with
• 13:15
  wisdom
• 13:16
  and
• 13:16
  with
• 13:17
  stewardship
• 13:17
  that
• 13:17
  lasts
• 13:18
  a
• 13:18
  long
• 13:18
  time,
• 13:19
  last
• 13:19
  a
• 13:19
  lifetime,
• 13:20
  in
• 13:20
  fact.
• 13:21
  So
• 13:21
  today
• 13:21
  I
• 13:21
  charge
• 13:21
  you
• 13:22
  with
• 13:22
  this.
• 13:22
  Go
• 13:22
  be
• 13:22
  a
• 13:22
  financially
• 13:23
  confident
• 13:23
  Christian
• 13:24
  and
• 13:24
  let's
• 13:24
  help
• 13:24
  our
• 13:25
  children,
• 13:25
  grandchildren,
• 13:26
  nieces
• 13:26
  and
• 13:26
  nephews
• 13:26
  and
• 13:26
  everybody
• 13:27
  else
• 13:27
  be
• 13:28
  those
• 13:28
  financially
• 13:28
  confident
• 13:29
  Christians
• 13:29
  as
• 13:29
  well.
• 13:30
  Stay
• 13:30
  financially
• 13:31
  savvy.
• 13:31
  God
• 13:32
  bless
• 13:32
  you,
• 13:32
  and
• 13:33
  you
• 13:33
  have
• 13:33
  a
• 13:33
  great
• 13:33
  day.