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Why Do I Always Freeze Up When I Start Budgeting? · Becoming Financially Confident

• 0:37
  Does
• 0:37
  pay
• 0:38
  to
• 0:38
  ever
• 0:38
  feel
• 0:38
  heavy
• 0:39
  to
• 0:39
  you?
• 0:39
  You
• 0:40
  know
• 0:40
  that
• 0:40
  feeling
• 0:40
  that
• 0:41
  money
• 0:41
  hits
• 0:41
  your
• 0:41
  account
• 0:42
  and
• 0:42
  instead
• 0:42
  of
• 0:42
  relief,
• 0:43
  you
• 0:44
  feel
• 0:44
  pressure.
• 0:45
  You
• 0:46
  tell
• 0:46
  yourself,
• 0:47
  this
• 0:47
  is
• 0:47
  the
• 0:47
  paycheck.
• 0:48
  I'm
• 0:48
  going
• 0:48
  to
• 0:49
  finally
• 0:49
  do
• 0:49
  it
• 0:49
  right.
• 0:50
  But
• 0:51
  then
• 0:51
  you
• 0:51
  freeze.
• 0:52
  You
• 0:52
  avoid
• 0:53
  looking.
• 0:54
  You
• 0:54
  spend
• 0:54
  a
• 0:54
  little
• 0:55
  here
• 0:55
  and
• 0:55
  you
• 0:55
  spend
• 0:56
  a
• 0:56
  little
• 0:56
  there,
• 0:56
  and
• 0:57
  by
• 0:57
  the
• 0:57
  time
• 0:57
  you
• 0:57
  breathe
• 0:58
  again,
• 0:58
  it's
• 0:58
  gone.
• 1:00
  If
• 1:00
  budgeting
• 1:00
  feels
• 1:01
  overwhelming
• 1:01
  and
• 1:02
  shame
• 1:02
  filled
• 1:02
  instead
• 1:03
  of
• 1:03
  empowering,
• 1:04
  today
• 1:04
  we're
• 1:04
  going
• 1:05
  to
• 1:05
  make
• 1:05
  it
• 1:05
  simple.
• 1:06
  Not
• 1:06
  perfect,
• 1:07
  but
• 1:07
  simple.
• 1:29
  Hello,
• 1:30
  friend.
• 1:30
  Ralph
• 1:31
  Estep
• 1:31
  Jr.
• 1:31
  Here.
• 1:32
  Welcome
• 1:32
  to
• 1:33
  Financially
• 1:33
  Confident
• 1:34
  Christian.
• 1:34
  If
• 1:35
  you're
• 1:35
  new
• 1:35
  to
• 1:35
  the
• 1:35
  show,
• 1:36
  this
• 1:36
  is
• 1:36
  the
• 1:36
  daily
• 1:36
  show
• 1:37
  where
• 1:37
  we
• 1:37
  try
• 1:37
  to
• 1:37
  break
• 1:38
  that
• 1:38
  cycle
• 1:38
  of
• 1:38
  financial
• 1:39
  shame
• 1:40
  and
• 1:40
  help
• 1:40
  you
• 1:40
  find
• 1:41
  confidence.
• 1:42
  And
• 1:42
  today's
• 1:43
  topic
• 1:43
  is
• 1:43
  how
• 1:43
  to
• 1:44
  start
• 1:44
  budgeting.
• 1:45
  Not
• 1:45
  some
• 1:46
  big
• 1:46
  pie
• 1:46
  in
• 1:46
  the
• 1:46
  sky
• 1:47
  deal,
• 1:47
  but
• 1:47
  how
• 1:47
  to
• 1:47
  get
• 1:47
  started.
• 1:48
  Well,
• 1:49
  let's
• 1:49
  get
• 1:49
  right
• 1:49
  into
• 1:49
  today's
• 1:50
  listener
• 1:50
  question.
• 1:50
  We
• 1:50
  always
• 1:51
  do
• 1:51
  listener
• 1:51
  questions
• 1:52
  on
• 1:52
  the
• 1:52
  show.
• 1:53
  And
• 1:53
  this
• 1:53
  listener
• 1:54
  question
• 1:54
  says
• 1:54
  this,
• 1:54
  Ralph,
• 1:55
  I
• 1:56
  keep
• 1:56
  promising
• 1:56
  myself
• 1:57
  I'll
• 1:57
  start
• 1:57
  next
• 1:58
  paycheck,
• 1:59
  but
• 2:00
  it
• 2:00
  comes
• 2:01
  and
• 2:01
  I
• 2:01
  freeze
• 2:02
  because
• 2:02
  I
• 2:02
  didn't
• 2:02
  even
• 2:02
  know
• 2:03
  where
• 2:03
  to
• 2:03
  begin.
• 2:04
  I'm
• 2:05
  embarrassed
• 2:05
  that
• 2:05
  something
• 2:06
  so
• 2:06
  basic
• 2:06
  feels
• 2:07
  so
• 2:07
  overwhelming.
• 2:08
  I
• 2:09
  want
• 2:09
  a
• 2:09
  plan
• 2:09
  that
• 2:09
  doesn't
• 2:10
  make
• 2:10
  me
• 2:10
  feel
• 2:10
  worse
• 2:10
  about
• 2:11
  myself
• 2:11
  than
• 2:11
  I
• 2:11
  already
• 2:12
  do.
• 2:13
  What's
• 2:13
  one
• 2:14
  small,
• 2:14
  non
• 2:14
  judgmental
• 2:15
  step
• 2:15
  that
• 2:15
  I
• 2:15
  can
• 2:15
  take
• 2:16
  this
• 2:16
  week?
• 2:17
  To
• 2:17
  start
• 2:18
  getting
• 2:18
  control,
• 2:20
  I
• 2:20
  need
• 2:20
  something
• 2:20
  that
• 2:21
  feels
• 2:21
  doable
• 2:22
  and
• 2:22
  not
• 2:22
  shameful.
• 2:24
  See,
• 2:25
  that's
• 2:25
  what
• 2:25
  I'm
• 2:25
  talking
• 2:25
  about
• 2:26
  today.
• 2:27
  It
• 2:27
  can
• 2:27
  feel
• 2:27
  overwhelming.
• 2:29
  Yes,
• 2:29
  you
• 2:29
  know
• 2:29
  what
• 2:30
  you're
• 2:30
  supposed
• 2:30
  to
• 2:30
  do.
• 2:30
  But
• 2:31
  hey,
• 2:31
  our
• 2:31
  lives
• 2:32
  are
• 2:32
  full
• 2:32
  of
• 2:32
  things
• 2:32
  we
• 2:32
  know
• 2:33
  we're
• 2:33
  supposed
• 2:33
  to
• 2:33
  do.
• 2:35
  But
• 2:35
  it
• 2:35
  doesn't
• 2:35
  make
• 2:35
  it
• 2:35
  any
• 2:36
  easier,
• 2:36
  does
• 2:36
  it?
• 2:37
  And
• 2:37
  today
• 2:38
  you
• 2:38
  don't
• 2:38
  need
• 2:38
  a
• 2:38
  full
• 2:39
  budget.
• 2:40
  You
• 2:40
  just
• 2:41
  need
• 2:41
  a
• 2:41
  first
• 2:41
  category
• 2:43
  because
• 2:43
  here's
• 2:44
  my
• 2:44
  take
• 2:44
  on
• 2:44
  this.
• 2:44
  I've
• 2:44
  been
• 2:44
  doing
• 2:45
  this
• 2:45
  for
• 2:45
  a
• 2:45
  long
• 2:45
  time,
• 2:45
  over
• 2:46
  30
• 2:46
  years.
• 2:48
  Freezing
• 2:48
  happens
• 2:48
  because
• 2:49
  you're
• 2:49
  trying
• 2:49
  to
• 2:49
  manage
• 2:50
  everything
• 2:50
  at
• 2:50
  once.
• 2:52
  So
• 2:52
  today
• 2:52
  I
• 2:53
  want
• 2:53
  to
• 2:53
  just
• 2:53
  narrow
• 2:53
  the
• 2:54
  focus
• 2:54
  a
• 2:54
  little
• 2:54
  bit.
• 2:55
  And
• 2:55
  here's
• 2:56
  the
• 2:56
  way
• 2:56
  we
• 2:56
  start
• 2:56
  that.
• 2:57
  We
• 2:57
  start
• 2:57
  it
• 2:58
  by
• 2:58
  stopping
• 2:58
  something.
• 2:59
  Stop
• 2:59
  calling
• 3:00
  it
• 3:00
  a
• 3:00
  budget
• 3:01
  for
• 3:01
  now.
• 3:02
  Don't
• 3:02
  even
• 3:02
  use
• 3:02
  that
• 3:02
  word.
• 3:03
  If
• 3:03
  you
• 3:03
  catch
• 3:03
  me
• 3:03
  using
• 3:03
  it,
• 3:04
  say,
• 3:04
  Ralph,
• 3:04
  you
• 3:04
  said
• 3:04
  you
• 3:05
  weren't
• 3:05
  going
• 3:05
  to
• 3:05
  use
• 3:05
  that.
• 3:06
  Friend
• 3:06
  of
• 3:06
  mine
• 3:07
  coined
• 3:07
  this
• 3:07
  phrase,
• 3:07
  and
• 3:07
  I
• 3:07
  love
• 3:08
  this
• 3:08
  one
• 3:09
  called
• 3:09
  an
• 3:09
  intentional
• 3:10
  spending
• 3:11
  plan.
• 3:12
  Intentional
• 3:13
  spending
• 3:14
  plan.
• 3:14
  And
• 3:15
  it's
• 3:15
  a
• 3:15
  plan
• 3:15
  for
• 3:16
  this
• 3:16
  paycheck
• 3:16
  only
• 3:17
  just
• 3:17
  this
• 3:17
  week.
• 3:18
  Not
• 3:18
  a
• 3:18
  month,
• 3:19
  not
• 3:19
  a
• 3:19
  year,
• 3:20
  just
• 3:20
  this
• 3:21
  deposit
• 3:21
  this
• 3:21
  week.
• 3:22
  Because
• 3:23
  when
• 3:23
  we
• 3:23
  do
• 3:23
  that,
• 3:24
  we
• 3:24
  reduce
• 3:24
  the
• 3:24
  emotional
• 3:25
  weight
• 3:25
  by
• 3:26
  shrinking
• 3:26
  the
• 3:26
  scope
• 3:27
  of
• 3:27
  this.
• 3:27
  We
• 3:27
  can
• 3:27
  narrow
• 3:28
  it
• 3:28
  down.
• 3:29
  Here's
• 3:30
  the
• 3:30
  next
• 3:30
  thing
• 3:30
  we've
• 3:30
  got
• 3:31
  to
• 3:31
  do.
• 3:32
  We've
• 3:32
  got
• 3:32
  to
• 3:32
  choose
• 3:33
  one
• 3:33
  protection
• 3:34
  category.
• 3:35
  Before
• 3:35
  you
• 3:36
  do
• 3:36
  anything
• 3:36
  else
• 3:36
  with
• 3:37
  your
• 3:37
  paycheck,
• 3:38
  choose
• 3:38
  one
• 3:39
  category
• 3:39
  to
• 3:39
  protect.
• 3:41
  Here's
• 3:41
  some
• 3:41
  great
• 3:41
  examples.
• 3:42
  You
• 3:43
  got
• 3:43
  to
• 3:43
  protect
• 3:43
  your
• 3:43
  rent
• 3:44
  or
• 3:44
  mortgage.
• 3:44
  Got
• 3:44
  to
• 3:45
  have
• 3:45
  a
• 3:45
  place
• 3:45
  to
• 3:45
  live,
• 3:45
  right?
• 3:46
  Maybe
• 3:47
  protect
• 3:47
  your
• 3:47
  electric
• 3:47
  bill
• 3:48
  or
• 3:49
  groceries.
• 3:49
  Hey,
• 3:50
  we
• 3:50
  got
• 3:50
  to
• 3:50
  eat
• 3:50
  something,
• 3:51
  right?
• 3:52
  Protect
• 3:52
  your
• 3:52
  car
• 3:52
  payment.
• 3:53
  You
• 3:53
  got
• 3:53
  to
• 3:53
  be
• 3:53
  able
• 3:54
  to
• 3:54
  get
• 3:54
  to
• 3:54
  and
• 3:54
  from
• 3:54
  work
• 3:55
  and
• 3:55
  protect
• 3:56
  your
• 3:56
  credit
• 3:56
  by
• 3:57
  making
• 3:57
  those
• 3:57
  minimum
• 3:57
  debt
• 3:58
  payments.
• 3:59
  And
• 3:59
  see
• 3:59
  here,
• 4:00
  what
• 4:00
  I'm
• 4:00
  talking
• 4:00
  about
• 4:00
  is
• 4:01
  picking
• 4:01
  one,
• 4:01
  not
• 4:02
  five
• 4:02
  of
• 4:02
  them.
• 4:02
  When
• 4:03
  you
• 4:03
  pick
• 4:03
  five,
• 4:03
  it
• 4:04
  does
• 4:04
  feel
• 4:04
  overwhelming.
• 4:05
  Just
• 4:05
  pick
• 4:06
  one,
• 4:06
  because
• 4:06
  protection
• 4:07
  builds
• 4:08
  safety.
• 4:09
  And
• 4:09
  here's
• 4:10
  how
• 4:10
  you
• 4:10
  do
• 4:10
  it.
• 4:11
  Move
• 4:11
  that
• 4:11
  money
• 4:12
  first.
• 4:13
  As
• 4:13
  soon
• 4:13
  as
• 4:14
  the
• 4:14
  paycheck
• 4:14
  hits,
• 4:15
  transfer
• 4:16
  it
• 4:16
  to
• 4:16
  a
• 4:16
  bills
• 4:17
  account
• 4:17
  or
• 4:17
  put
• 4:17
  it
• 4:18
  in
• 4:18
  an
• 4:18
  envelope.
• 4:18
  I
• 4:18
  talked
• 4:19
  on
• 4:19
  the
• 4:19
  show
• 4:19
  before
• 4:19
  how
• 4:19
  my
• 4:20
  grandparents
• 4:20
  used
• 4:20
  to
• 4:20
  have
• 4:21
  the
• 4:21
  envelope
• 4:21
  system.
• 4:22
  There's
• 4:22
  no
• 4:22
  shame
• 4:23
  in
• 4:23
  that.
• 4:24
  Or
• 4:24
  rename
• 4:24
  a
• 4:25
  portion
• 4:25
  of
• 4:25
  it
• 4:25
  in
• 4:25
  your
• 4:25
  banking
• 4:26
  app.
• 4:26
  Just
• 4:27
  physically
• 4:27
  move
• 4:28
  it.
• 4:28
  Because
• 4:29
  in
• 4:29
  my
• 4:29
  view,
• 4:30
  movement
• 4:30
  creates
• 4:31
  clarity.
• 4:32
  If
• 4:32
  you
• 4:32
  can't
• 4:32
  see
• 4:33
  what's
• 4:33
  protected,
• 4:34
  your
• 4:34
  brain
• 4:34
  relaxes
• 4:35
  when
• 4:35
  you
• 4:35
  can
• 4:35
  see
• 4:35
  it.
• 4:36
  If
• 4:36
  you
• 4:36
  can
• 4:36
  see
• 4:36
  it,
• 4:37
  it's
• 4:37
  a
• 4:37
  good
• 4:37
  thing.
• 4:39
  Here's
• 4:39
  what
• 4:39
  I
• 4:39
  encourage
• 4:40
  you
• 4:40
  to
• 4:40
  do
• 4:40
  with
• 4:40
  the
• 4:40
  rest
• 4:40
  of
• 4:41
  the
• 4:41
  money.
• 4:42
  Give
• 4:42
  the
• 4:42
  rest.
• 4:42
  Only
• 4:42
  two
• 4:43
  labels,
• 4:44
  not
• 4:44
  10
• 4:45
  categories.
• 4:45
  You're
• 4:45
  probably
• 4:46
  thinking,
• 4:46
  ralph,
• 4:46
  this
• 4:46
  is
• 4:47
  a
• 4:47
  pretty
• 4:47
  simple
• 4:47
  budget
• 4:48
  plan.
• 4:48
  Exactly.
• 4:50
  Just
• 4:50
  label
• 4:51
  exactly
• 4:51
  what
• 4:51
  remains
• 4:52
  as
• 4:52
  spending
• 4:52
  and
• 4:53
  buffer.
• 4:54
  That's
• 4:54
  it.
• 4:55
  Think
• 4:56
  of
• 4:56
  it
• 4:56
  like
• 4:56
  this.
• 4:56
  Spending
• 4:57
  is
• 4:57
  for
• 4:57
  normal
• 4:57
  life.
• 4:58
  Buffer,
• 4:59
  that's
• 4:59
  your
• 4:59
  margin.
• 5:00
  That's
• 5:00
  your
• 5:00
  set
• 5:00
  aside.
• 5:02
  And
• 5:02
  this
• 5:02
  keeps
• 5:02
  the
• 5:03
  system
• 5:03
  simple
• 5:03
  because
• 5:04
  enough
• 5:04
  that
• 5:05
  you
• 5:05
  won't
• 5:05
  freeze
• 5:06
  when
• 5:06
  you're
• 5:06
  in
• 5:06
  the
• 5:06
  middle
• 5:07
  of
• 5:07
  it.
• 5:08
  Here's
• 5:08
  the
• 5:08
  best
• 5:09
  part.
• 5:09
  You
• 5:10
  can
• 5:10
  repeat
• 5:10
  this
• 5:10
  next
• 5:11
  paycheck.
• 5:12
  It's
• 5:13
  not
• 5:13
  about
• 5:13
  mastering
• 5:14
  money
• 5:14
  in
• 5:14
  one
• 5:14
  week.
• 5:15
  That's
• 5:15
  not
• 5:15
  what
• 5:15
  we're
• 5:15
  talking
• 5:16
  about
• 5:16
  here.
• 5:16
  It's
• 5:16
  about
• 5:16
  building
• 5:17
  a
• 5:17
  rhythm.
• 5:17
  I
• 5:17
  talk
• 5:17
  about
• 5:18
  rhythms
• 5:18
  on
• 5:18
  the
• 5:18
  show
• 5:18
  all
• 5:19
  the
• 5:19
  time.
• 5:20
  Rhythms
• 5:20
  are
• 5:20
  what
• 5:21
  you'll
• 5:21
  do.
• 5:22
  So
• 5:22
  each
• 5:22
  paycheck,
• 5:23
  protect
• 5:24
  one
• 5:24
  thing
• 5:24
  first.
• 5:26
  Label
• 5:26
  the
• 5:26
  rest.
• 5:26
  Simply
• 5:27
  what
• 5:27
  we
• 5:27
  talked
• 5:27
  about.
• 5:28
  That
• 5:28
  small
• 5:28
  structure
• 5:29
  reduces
• 5:30
  big
• 5:30
  shame.
• 5:31
  Here's
• 5:32
  a
• 5:32
  big
• 5:32
  line
• 5:32
  of
• 5:32
  encouragement
• 5:33
  for
• 5:33
  today.
• 5:34
  Simple
• 5:35
  beats
• 5:35
  perfect
• 5:35
  every
• 5:36
  single
• 5:36
  time.
• 5:37
  So
• 5:38
  here's
• 5:38
  your
• 5:38
  win
• 5:38
  for
• 5:39
  today.
• 5:39
  When
• 5:39
  your
• 5:40
  next
• 5:40
  paycheck
• 5:41
  hits,
• 5:41
  protect
• 5:42
  one
• 5:42
  of
• 5:42
  those
• 5:42
  bills
• 5:43
  immediately.
• 5:44
  Move
• 5:44
  that
• 5:44
  money
• 5:45
  first,
• 5:45
  because
• 5:45
  that's
• 5:46
  a
• 5:46
  win
• 5:46
  for
• 5:46
  you
• 5:47
  and
• 5:47
  that's
• 5:48
  your
• 5:48
  starting.
• 5:49
  Let's
• 5:49
  jump
• 5:50
  right
• 5:50
  into
• 5:50
  our
• 5:50
  Bible
• 5:51
  verse
• 5:51
  today.
• 5:51
  It
• 5:51
  comes
• 5:52
  to
• 5:52
  us
• 5:52
  from
• 5:52
  the
• 5:52
  book
• 5:52
  of
• 5:52
  Psalms,
• 5:53
  chapter
• 5:54
  103,
• 5:55
  verses
• 5:56
  13
• 5:56
  and
• 5:56
  14.
• 5:58
  And
• 5:58
  it
• 5:58
  says
• 5:58
  this.
• 5:59
  As
• 6:00
  a
• 6:00
  father
• 6:00
  has
• 6:00
  compassion
• 6:01
  on
• 6:01
  his
• 6:01
  children,
• 6:02
  so
• 6:03
  the
• 6:03
  Lord
• 6:03
  has
• 6:03
  compassion
• 6:04
  on
• 6:04
  those
• 6:04
  who
• 6:04
  fear
• 6:05
  him.
• 6:06
  For
• 6:06
  he
• 6:06
  knows
• 6:07
  how
• 6:07
  we
• 6:07
  are
• 6:07
  formed.
• 6:09
  He
• 6:09
  remembers
• 6:09
  that
• 6:10
  we
• 6:10
  are
• 6:10
  dust.
• 6:13
  Friend,
• 6:13
  God
• 6:14
  understands
• 6:14
  your
• 6:15
  overwhelm
• 6:16
  and
• 6:16
  he
• 6:17
  responds
• 6:17
  with
• 6:17
  compassion,
• 6:18
  never
• 6:18
  criticism.
• 6:20
  Let's
• 6:20
  pray
• 6:20
  together.
• 6:22
  Lord,
• 6:22
  you
• 6:22
  know
• 6:23
  how
• 6:23
  easily
• 6:23
  we
• 6:23
  feel
• 6:23
  overwhelmed.
• 6:25
  You
• 6:25
  know
• 6:25
  how
• 6:26
  quickly
• 6:26
  shame
• 6:26
  rises
• 6:27
  up
• 6:27
  in
• 6:27
  us.
• 6:28
  So
• 6:28
  thank
• 6:29
  you
• 6:29
  so
• 6:29
  much
• 6:29
  for
• 6:29
  your
• 6:30
  compassion
• 6:30
  for
• 6:30
  us.
• 6:31
  And
• 6:32
  Lord,
• 6:32
  I
• 6:32
  just
• 6:32
  ask
• 6:32
  that
• 6:32
  you
• 6:33
  would
• 6:33
  help
• 6:33
  my
• 6:33
  friend
• 6:33
  take
• 6:34
  one
• 6:34
  small,
• 6:34
  steady
• 6:35
  step
• 6:35
  this
• 6:35
  week.
• 6:37
  Calm
• 6:37
  those
• 6:37
  racing
• 6:38
  thoughts
• 6:38
  and
• 6:39
  quiet
• 6:39
  the
• 6:39
  inner
• 6:40
  critic.
• 6:41
  Give
• 6:41
  them
• 6:42
  courage
• 6:42
  to
• 6:42
  protect
• 6:42
  just
• 6:43
  one
• 6:43
  bill,
• 6:44
  to
• 6:44
  move
• 6:44
  one
• 6:45
  category,
• 6:46
  to
• 6:46
  build
• 6:46
  just
• 6:47
  one
• 6:47
  small
• 6:47
  habit.
• 6:49
  And
• 6:49
  let's
• 6:49
  let
• 6:49
  budget
• 6:50
  become
• 6:50
  peaceful,
• 6:52
  not
• 6:52
  punishing.
• 6:53
  And
• 6:53
  we
• 6:53
  ask
• 6:54
  this
• 6:54
  in
• 6:54
  the
• 6:54
  precious
• 6:55
  name
• 6:55
  of
• 6:55
  Jesus.
• 6:56
  Amen.
• 6:58
  Friend,
• 6:59
  listen
• 6:59
  to
• 6:59
  me.
• 7:00
  You're
• 7:00
  not
• 7:00
  bad
• 7:01
  at
• 7:01
  money.
• 7:02
  You're
• 7:02
  just
• 7:02
  building
• 7:03
  a
• 7:03
  new
• 7:03
  habit.
• 7:04
  And
• 7:04
  habits
• 7:04
  take
• 7:05
  time.
• 7:06
  And
• 7:06
  if
• 7:06
  you've
• 7:06
  got
• 7:06
  a
• 7:07
  question
• 7:07
  for
• 7:07
  this
• 7:07
  show,
• 7:07
  I
• 7:08
  would
• 7:08
  absolutely
• 7:08
  love
• 7:09
  to
• 7:09
  answer
• 7:09
  your
• 7:09
  question
• 7:09
  on
• 7:10
  the
• 7:10
  show.
• 7:10
  That's
• 7:10
  what
• 7:10
  fuels
• 7:11
  me.
• 7:11
  That's
• 7:11
  what
• 7:11
  fuels
• 7:11
  the
• 7:12
  show.
• 7:12
  If
• 7:12
  you've
• 7:13
  got
• 7:13
  a
• 7:13
  question,
• 7:13
  you
• 7:14
  can
• 7:14
  go
• 7:14
  to
• 7:14
  Financially
• 7:15
  Confident
• 7:16
  Christian.
• 7:19
  Now,
• 7:19
  we'll
• 7:19
  put
• 7:19
  a
• 7:19
  link
• 7:20
  in
• 7:20
  the
• 7:20
  show
• 7:20
  notes,
• 7:20
  but
• 7:20
  I'm
• 7:20
  gonna
• 7:20
  give
• 7:21
  it
• 7:21
  to
• 7:21
  you
• 7:21
  again
• 7:21
  in
• 7:21
  case
• 7:21
  you
• 7:21
  want
• 7:22
  to
• 7:22
  write
• 7:22
  it
• 7:22
  down.
• 7:23
  It's
• 7:23
  financiallyconfidentchristian.com/question
• 7:28
  thank
• 7:29
  you
• 7:29
  so
• 7:29
  much
• 7:29
  for
• 7:29
  joining
• 7:30
  me
• 7:30
  today.
• 7:30
  As
• 7:30
  I
• 7:30
  always
• 7:31
  say,
• 7:32
  stay
• 7:32
  financially
• 7:33
  savvy
• 7:33
  out
• 7:33
  there.
• 7:33
  May
• 7:34
  God
• 7:34
  bless
• 7:34
  you
• 7:35
  and
• 7:35
  you
• 7:35
  have
• 7:35
  a
• 7:35
  truly
• 7:36
  great
• 7:36
  day
• 7:36
  today.