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Should I Take a Payday Loan or Is There a Better Way? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:38
  ever
• 0:38
  felt
• 0:38
  so
• 0:38
  pressured
• 0:39
  that
• 0:39
  a
• 0:40
  risky
• 0:40
  option
• 0:41
  starts
• 0:41
  to
• 0:41
  feel
• 0:41
  reasonable?
• 0:43
  Like,
• 0:43
  you
• 0:43
  know,
• 0:43
  it's
• 0:44
  not
• 0:44
  ideal,
• 0:45
  but
• 0:45
  it
• 0:45
  feels
• 0:45
  like
• 0:46
  your
• 0:46
  only
• 0:46
  way
• 0:46
  out.
• 0:47
  And
• 0:48
  now
• 0:48
  you're
• 0:48
  standing
• 0:48
  there
• 0:49
  trying
• 0:49
  to
• 0:49
  choose
• 0:49
  relief
• 0:50
  without
• 0:51
  creating
• 0:51
  more
• 0:51
  pain
• 0:52
  later.
• 0:53
  And
• 0:53
  if
• 0:54
  that's
• 0:54
  where
• 0:54
  you
• 0:54
  are
• 0:54
  right
• 0:55
  now,
• 0:55
  today,
• 0:56
  we're
• 0:56
  going
• 0:56
  to
• 0:56
  slow
• 0:56
  it
• 0:57
  down
• 0:57
  and
• 0:58
  find
• 0:58
  a
• 0:58
  better
• 0:58
  path
• 0:59
  forward.
• 1:18
  Hello,
• 1:19
  friend.
• 1:19
  Ralph
• 1:19
  Estep
• 1:20
  Jr.
• 1:20
  Here.
• 1:21
  Welcome
• 1:21
  to
• 1:21
  Financially
• 1:22
  Confident
• 1:22
  Christian.
• 1:23
  My
• 1:24
  mission
• 1:24
  every
• 1:24
  day
• 1:25
  is
• 1:25
  to
• 1:25
  help
• 1:25
  you
• 1:25
  break
• 1:26
  that
• 1:26
  cycle
• 1:26
  of
• 1:27
  financial
• 1:27
  shame
• 1:28
  and
• 1:28
  find
• 1:29
  confidence.
• 1:30
  And
• 1:31
  I
• 1:31
  know
• 1:31
  the
• 1:31
  emotional
• 1:32
  pressure
• 1:32
  of
• 1:33
  needing
• 1:33
  that
• 1:33
  quick
• 1:33
  financial
• 1:34
  solution.
• 1:36
  But
• 1:36
  today
• 1:36
  I
• 1:36
  want
• 1:36
  to
• 1:36
  really
• 1:37
  dig
• 1:37
  into
• 1:37
  a
• 1:37
  listener
• 1:38
  question
• 1:38
  that
• 1:38
  we
• 1:38
  got
• 1:39
  of
• 1:39
  whether
• 1:40
  a
• 1:40
  payday
• 1:40
  loan
• 1:41
  is
• 1:41
  a
• 1:41
  real
• 1:41
  solution
• 1:42
  or
• 1:42
  whether
• 1:43
  there
• 1:43
  is
• 1:43
  a
• 1:43
  better
• 1:44
  path.
• 1:45
  So
• 1:45
  let's
• 1:45
  get
• 1:45
  right
• 1:45
  into
• 1:46
  today's
• 1:46
  listener
• 1:47
  question.
• 1:48
  This
• 1:48
  listener
• 1:48
  question
• 1:48
  was
• 1:49
  sent
• 1:49
  into
• 1:49
  us
• 1:49
  by
• 1:50
  email.
• 1:50
  This
• 1:50
  is
• 1:51
  what
• 1:51
  they
• 1:51
  write,
• 1:51
  Ralph,
• 1:52
  I'm
• 1:53
  thinking
• 1:53
  about
• 1:53
  taking
• 1:53
  a
• 1:54
  payday
• 1:54
  loan
• 1:55
  not
• 1:55
  because
• 1:55
  I
• 1:56
  want
• 1:56
  to,
• 1:56
  but
• 1:57
  because
• 1:57
  I
• 1:57
  feel
• 1:57
  desperate.
• 1:58
  I
• 1:59
  want
• 1:59
  to
• 1:59
  stop
• 1:59
  for
• 1:59
  a
• 1:59
  second
• 2:00
  right
• 2:00
  there
• 2:01
  if
• 2:01
  you
• 2:01
  feel
• 2:01
  desperate.
• 2:02
  Big
• 2:02
  red
• 2:03
  warning
• 2:03
  sign.
• 2:04
  But
• 2:04
  let's
• 2:04
  continue.
• 2:05
  Part
• 2:05
  of
• 2:06
  me
• 2:06
  knows
• 2:06
  it
• 2:06
  might
• 2:06
  bring
• 2:07
  quick
• 2:07
  relief.
• 2:08
  Yet
• 2:08
  another
• 2:09
  part
• 2:09
  is
• 2:09
  afraid
• 2:09
  it
• 2:09
  will
• 2:10
  only
• 2:10
  make
• 2:10
  things
• 2:10
  worse
• 2:11
  later.
• 2:12
  I
• 2:12
  don't
• 2:12
  want
• 2:12
  to
• 2:13
  trade
• 2:13
  one
• 2:13
  problem
• 2:13
  for
• 2:14
  a
• 2:14
  bigger
• 2:14
  one.
• 2:15
  I
• 2:15
  want
• 2:15
  to
• 2:16
  make
• 2:16
  a
• 2:16
  wise
• 2:16
  decision
• 2:17
  even
• 2:17
  in
• 2:17
  this
• 2:18
  pressure.
• 2:19
  How
• 2:19
  do
• 2:19
  I
• 2:19
  tell
• 2:20
  if
• 2:20
  this
• 2:20
  is
• 2:20
  a
• 2:20
  real
• 2:20
  solution
• 2:21
  or
• 2:21
  a
• 2:22
  trap
• 2:23
  and
• 2:23
  what's
• 2:23
  a
• 2:24
  better
• 2:24
  option
• 2:24
  for
• 2:24
  me
• 2:25
  right
• 2:25
  now?
• 2:27
  Let
• 2:27
  me
• 2:27
  start
• 2:27
  by
• 2:28
  saying
• 2:28
  thank
• 2:28
  you
• 2:28
  so
• 2:29
  much
• 2:29
  for
• 2:29
  that
• 2:29
  question.
• 2:29
  This
• 2:30
  whole
• 2:30
  show
• 2:31
  is
• 2:31
  fueled
• 2:31
  by
• 2:32
  your
• 2:32
  questions.
• 2:32
  And
• 2:32
  if
• 2:32
  you've
• 2:33
  got
• 2:33
  a
• 2:33
  question
• 2:33
  for
• 2:33
  the
• 2:34
  show,
• 2:34
  go
• 2:34
  to
• 2:35
  financiallyconfidentchristian.com
• 2:38
  question.
• 2:39
  And
• 2:39
  I
• 2:40
  know
• 2:40
  the
• 2:40
  pressure
• 2:40
  you're
• 2:40
  in
• 2:41
  right
• 2:41
  now,
• 2:42
  and
• 2:42
  that's
• 2:42
  a
• 2:43
  hard
• 2:43
  place
• 2:43
  to
• 2:43
  be.
• 2:45
  You
• 2:45
  don't
• 2:45
  want
• 2:45
  to
• 2:45
  feel
• 2:46
  careless,
• 2:46
  but
• 2:47
  you
• 2:47
  want
• 2:47
  to
• 2:47
  be
• 2:47
  concerned.
• 2:48
  And
• 2:48
  I
• 2:48
  really
• 2:48
  appreciate
• 2:49
  that.
• 2:50
  You're
• 2:50
  not
• 2:50
  trying
• 2:50
  to
• 2:50
  make
• 2:50
  a
• 2:51
  bad
• 2:51
  decision.
• 2:52
  You're
• 2:52
  trying
• 2:53
  to
• 2:53
  solve
• 2:53
  a
• 2:54
  real
• 2:54
  and
• 2:54
  urgent
• 2:55
  problem.
• 2:56
  And
• 2:56
  I
• 2:56
  just
• 2:57
  want
• 2:57
  to
• 2:57
  commend
• 2:57
  you
• 2:57
  right
• 2:57
  now.
• 2:58
  The
• 2:58
  fact
• 2:58
  that
• 2:58
  you've
• 2:59
  paused
• 2:59
  to
• 2:59
  even
• 3:00
  ask
• 3:00
  that
• 3:00
  question
• 3:01
  is
• 3:02
  already
• 3:02
  a
• 3:03
  huge
• 3:03
  sign
• 3:04
  that
• 3:04
  you're
• 3:04
  living
• 3:05
  in
• 3:05
  some
• 3:05
  sort
• 3:05
  of
• 3:06
  wisdom,
• 3:07
  friend.
• 3:08
  That
• 3:08
  pressure
• 3:08
  is
• 3:08
  real.
• 3:10
  And
• 3:10
  when
• 3:10
  you
• 3:10
  feel
• 3:10
  cornered,
• 3:12
  and
• 3:12
  that's
• 3:12
  what
• 3:12
  I
• 3:12
  hear
• 3:12
  you
• 3:13
  saying
• 3:13
  in
• 3:14
  your
• 3:14
  message
• 3:15
  today,
• 3:15
  when
• 3:16
  you
• 3:16
  feel
• 3:16
  cornered,
• 3:18
  even
• 3:18
  a
• 3:18
  risky
• 3:19
  option
• 3:19
  can
• 3:19
  start
• 3:20
  to
• 3:20
  feel
• 3:20
  reasonable.
• 3:22
  But
• 3:22
  I
• 3:22
  want
• 3:22
  you
• 3:22
  to
• 3:22
  hear
• 3:23
  this
• 3:23
  today.
• 3:24
  Pausing
• 3:25
  long
• 3:25
  enough
• 3:25
  to
• 3:25
  ask
• 3:26
  this
• 3:26
  question
• 3:27
  is
• 3:27
  already
• 3:27
  wisdom
• 3:28
  at
• 3:28
  work.
• 3:29
  So
• 3:30
  let's
• 3:30
  jump
• 3:30
  into
• 3:30
  this
• 3:31
  right
• 3:31
  now.
• 3:32
  The
• 3:32
  most
• 3:32
  damaging
• 3:33
  financial
• 3:34
  decisions
• 3:34
  that
• 3:34
  I
• 3:35
  see
• 3:35
  people
• 3:36
  making
• 3:36
  oftentimes
• 3:37
  don't
• 3:37
  come
• 3:38
  from
• 3:38
  being
• 3:38
  ignorant.
• 3:39
  They
• 3:39
  don't
• 3:39
  come
• 3:39
  from
• 3:39
  being
• 3:40
  uneducated.
• 3:41
  They
• 3:42
  come
• 3:42
  from
• 3:42
  a
• 3:42
  sense
• 3:42
  of
• 3:43
  urgency.
• 3:45
  Put
• 3:45
  yourself
• 3:45
  in
• 3:45
  the
• 3:46
  same
• 3:46
  position
• 3:47
  when
• 3:47
  something
• 3:47
  feels
• 3:48
  like
• 3:48
  it
• 3:48
  has
• 3:48
  to
• 3:48
  be
• 3:48
  solved
• 3:49
  immediately,
• 3:50
  like,
• 3:50
  I've
• 3:51
  got
• 3:51
  to
• 3:51
  figure
• 3:51
  this
• 3:51
  out
• 3:52
  right
• 3:52
  now,
• 3:53
  I
• 3:53
  don't
• 3:53
  have
• 3:54
  any
• 3:54
  time
• 3:54
  to
• 3:54
  think
• 3:54
  about
• 3:54
  this.
• 3:55
  I
• 3:55
  just
• 3:55
  got
• 3:55
  to
• 3:55
  do
• 3:55
  it.
• 3:56
  It's
• 3:57
  very
• 3:57
  hard
• 3:57
  to
• 3:57
  evaluate
• 3:58
  the
• 3:58
  long
• 3:58
  term
• 3:59
  impact
• 3:59
  of
• 3:59
  that
• 4:00
  and
• 4:01
  so
• 4:01
  easy
• 4:01
  for
• 4:02
  us
• 4:02
  to
• 4:02
  jump
• 4:02
  at
• 4:02
  those
• 4:03
  quick
• 4:03
  solutions.
• 4:04
  But
• 4:05
  most
• 4:05
  of
• 4:05
  the
• 4:05
  time,
• 4:05
  dare
• 4:06
  I
• 4:06
  say,
• 4:06
  probably
• 4:07
  99%
• 4:08
  of
• 4:08
  the
• 4:08
  time,
• 4:09
  that's
• 4:10
  not
• 4:10
  always
• 4:10
  the
• 4:10
  best
• 4:10
  solution,
• 4:11
  that's
• 4:11
  not
• 4:11
  the
• 4:11
  wisest
• 4:12
  solution.
• 4:13
  And
• 4:14
  that
• 4:14
  relief
• 4:14
  you
• 4:14
  feel
• 4:15
  today
• 4:16
  should
• 4:16
  never
• 4:16
  create
• 4:17
  more
• 4:17
  pressure
• 4:18
  tomorrow.
• 4:19
  The
• 4:19
  most
• 4:20
  damaging
• 4:20
  financial
• 4:21
  decisions
• 4:22
  often
• 4:22
  don't
• 4:23
  come
• 4:23
  from
• 4:23
  ignorance,
• 4:23
  they
• 4:24
  come
• 4:24
  from
• 4:24
  urgency.
• 4:26
  So
• 4:26
  let's
• 4:26
  get
• 4:26
  right
• 4:26
  into
• 4:27
  the
• 4:27
  main
• 4:27
  point
• 4:27
  of
• 4:28
  today's
• 4:28
  show.
• 4:29
  How
• 4:29
  do
• 4:29
  you
• 4:29
  choose
• 4:30
  that
• 4:30
  relief?
• 4:31
  How
• 4:31
  do
• 4:31
  you
• 4:31
  find
• 4:31
  that
• 4:31
  thing
• 4:32
  to
• 4:32
  solve
• 4:32
  your
• 4:32
  immediate
• 4:33
  problem
• 4:34
  without
• 4:34
  creating
• 4:35
  more
• 4:35
  pressure
• 4:35
  later
• 4:36
  on?
• 4:37
  And
• 4:37
  this
• 4:37
  is
• 4:37
  where
• 4:37
  I
• 4:37
  want
• 4:37
  to
• 4:38
  talk
• 4:38
  again
• 4:38
  about
• 4:39
  my
• 4:39
  faithful
• 4:40
  framework.
• 4:40
  If
• 4:41
  you
• 4:41
  listen
• 4:41
  to
• 4:41
  yesterday's
• 4:42
  show,
• 4:42
  I
• 4:42
  introduced
• 4:43
  what
• 4:43
  I
• 4:43
  call
• 4:43
  the
• 4:44
  new
• 4:44
  faithful
• 4:45
  framework.
• 4:45
  And
• 4:45
  that's
• 4:46
  we're
• 4:46
  going
• 4:46
  to
• 4:46
  spell
• 4:46
  the
• 4:46
  letters
• 4:47
  in
• 4:47
  faithful.
• 4:48
  Each
• 4:48
  letter
• 4:49
  is
• 4:49
  going
• 4:49
  to
• 4:49
  be
• 4:50
  a
• 4:50
  clear
• 4:50
  point
• 4:50
  as
• 4:51
  we
• 4:51
  work
• 4:51
  through
• 4:51
  each
• 4:52
  of
• 4:52
  these
• 4:52
  questions
• 4:53
  moving
• 4:53
  forward.
• 4:54
  So
• 4:54
  let's
• 4:54
  jump
• 4:55
  right
• 4:55
  into
• 4:55
  it.
• 4:55
  We're
• 4:56
  going
• 4:56
  to
• 4:56
  start
• 4:56
  with
• 4:56
  F.
• 4:57
  We're
• 4:57
  going
• 4:57
  to
• 4:57
  face
• 4:58
  the
• 4:58
  reality.
• 4:59
  This
• 4:59
  is
• 4:59
  our
• 4:59
  awareness
• 5:00
  step.
• 5:01
  We
• 5:01
  got
• 5:01
  to
• 5:01
  start
• 5:02
  by
• 5:02
  asking
• 5:02
  ourselves
• 5:03
  what
• 5:03
  is
• 5:03
  actually
• 5:04
  going
• 5:04
  on
• 5:04
  here?
• 5:05
  Unfortunately,
• 5:06
  based
• 5:06
  on
• 5:06
  your
• 5:07
  email,
• 5:07
  I
• 5:07
  don't
• 5:08
  have
• 5:08
  a
• 5:08
  lot
• 5:08
  of
• 5:08
  the
• 5:08
  background
• 5:09
  information.
• 5:10
  It's
• 5:10
  pretty
• 5:10
  clear
• 5:10
  to
• 5:11
  me
• 5:11
  that
• 5:11
  you've
• 5:11
  got
• 5:11
  an
• 5:11
  immediate
• 5:12
  financial
• 5:13
  crisis.
• 5:14
  But
• 5:14
  I
• 5:15
  would
• 5:15
  start
• 5:15
  by
• 5:15
  asking
• 5:16
  you,
• 5:16
  what
• 5:16
  is
• 5:16
  the
• 5:17
  real
• 5:17
  need
• 5:17
  here?
• 5:18
  What
• 5:18
  is
• 5:18
  it
• 5:19
  you're
• 5:19
  actually
• 5:19
  needing
• 5:20
  to
• 5:20
  do?
• 5:21
  What
• 5:21
  is
• 5:21
  the
• 5:21
  real
• 5:22
  dollar
• 5:22
  amount
• 5:23
  and
• 5:23
  is
• 5:24
  there
• 5:24
  actually
• 5:24
  a
• 5:25
  deadline?
• 5:26
  Because
• 5:26
  if
• 5:27
  the
• 5:27
  situation
• 5:27
  is
• 5:28
  truly
• 5:28
  urgent,
• 5:29
  then
• 5:29
  that's
• 5:30
  one
• 5:30
  thing.
• 5:30
  But
• 5:30
  maybe
• 5:31
  it
• 5:31
  feels
• 5:31
  urgent,
• 5:32
  but
• 5:32
  it's
• 5:32
  not.
• 5:33
  Because
• 5:34
  in
• 5:34
  our
• 5:34
  own
• 5:34
  minds,
• 5:35
  when
• 5:35
  everything
• 5:36
  feels
• 5:36
  urgent,
• 5:37
  your
• 5:37
  brain
• 5:38
  just
• 5:38
  skips
• 5:38
  out
• 5:39
  of
• 5:39
  clarity,
• 5:39
  skips
• 5:40
  out
• 5:40
  of
• 5:40
  wisdom.
• 5:41
  But
• 5:41
  that's
• 5:42
  where
• 5:42
  you
• 5:42
  actually
• 5:42
  get
• 5:43
  to
• 5:43
  a
• 5:43
  point
• 5:43
  of
• 5:43
  finding
• 5:44
  wisdom.
• 5:44
  When
• 5:45
  you
• 5:45
  understand
• 5:46
  exactly
• 5:46
  what's
• 5:47
  going
• 5:47
  on,
• 5:47
  what
• 5:48
  is
• 5:48
  the
• 5:48
  need?
• 5:48
  What
• 5:49
  is
• 5:49
  the
• 5:49
  time
• 5:49
  frame?
• 5:50
  Let's
• 5:51
  move
• 5:51
  into
• 5:51
  the
• 5:51
  A.
• 5:52
  We
• 5:52
  gotta
• 5:52
  aim
• 5:53
  clearly.
• 5:53
  This
• 5:53
  is
• 5:54
  where
• 5:54
  we
• 5:54
  build
• 5:54
  our
• 5:55
  vision.
• 5:55
  This
• 5:55
  is
• 5:56
  where
• 5:56
  we
• 5:56
  think
• 5:56
  about
• 5:56
  what
• 5:56
  our
• 5:57
  goals.
• 5:58
  Our
• 5:58
  goal
• 5:58
  here
• 5:59
  is
• 5:59
  not
• 5:59
  simply
• 6:00
  get
• 6:00
  cash
• 6:01
  fast.
• 6:02
  The
• 6:02
  fact
• 6:02
  that
• 6:02
  you've
• 6:03
  paused,
• 6:03
  the
• 6:03
  fact
• 6:04
  that
• 6:04
  you've
• 6:04
  reached
• 6:04
  out
• 6:04
  and
• 6:05
  asked
• 6:05
  me
• 6:06
  tells
• 6:06
  me
• 6:06
  that
• 6:06
  you're
• 6:06
  not
• 6:07
  just
• 6:07
  looking
• 6:07
  for
• 6:07
  some
• 6:07
  quick
• 6:08
  get
• 6:08
  fast
• 6:09
  decision.
• 6:10
  You're
• 6:11
  trying
• 6:11
  to
• 6:11
  make
• 6:11
  a
• 6:11
  decision
• 6:12
  that
• 6:12
  gives
• 6:12
  you
• 6:12
  relief
• 6:13
  without
• 6:13
  having
• 6:13
  that
• 6:14
  long
• 6:14
  term
• 6:14
  damage,
• 6:16
  and
• 6:16
  in
• 6:16
  this
• 6:16
  particular
• 6:17
  case,
• 6:17
  a
• 6:18
  payday
• 6:18
  loan
• 6:18
  might
• 6:19
  feel
• 6:19
  like
• 6:19
  relief.
• 6:20
  I
• 6:20
  actually
• 6:21
  hate
• 6:21
  payday
• 6:22
  loans.
• 6:22
  I
• 6:22
  think
• 6:23
  they
• 6:23
  create
• 6:23
  this
• 6:24
  cycle
• 6:24
  where
• 6:24
  you're
• 6:24
  going
• 6:24
  to
• 6:24
  get
• 6:25
  the
• 6:25
  next
• 6:25
  one
• 6:25
  and
• 6:26
  the
• 6:26
  next
• 6:26
  one
• 6:27
  and
• 6:27
  the
• 6:27
  next
• 6:27
  one.
• 6:28
  But
• 6:28
  you're
• 6:29
  right
• 6:29
  to
• 6:29
  question
• 6:30
  whether
• 6:30
  this
• 6:30
  protects
• 6:31
  your
• 6:31
  future.
• 6:32
  Not
• 6:33
  every
• 6:33
  solution
• 6:34
  that's
• 6:34
  offered
• 6:35
  to
• 6:35
  you
• 6:35
  is
• 6:35
  a
• 6:35
  wise
• 6:36
  solution.
• 6:37
  Yeah,
• 6:38
  that
• 6:38
  path
• 6:38
  might
• 6:39
  reduce
• 6:39
  the
• 6:39
  pressure
• 6:40
  right
• 6:41
  now,
• 6:42
  but
• 6:42
  not
• 6:43
  all
• 6:43
  relief
• 6:43
  is
• 6:43
  good
• 6:44
  relief.
• 6:45
  Wise
• 6:45
  relief
• 6:46
  solves
• 6:46
  the
• 6:46
  problem
• 6:46
  without
• 6:47
  creating
• 6:47
  a
• 6:47
  bigger
• 6:47
  one.
• 6:48
  And
• 6:48
  that's
• 6:48
  what
• 6:48
  you're
• 6:48
  talking
• 6:49
  about
• 6:49
  in
• 6:49
  your
• 6:49
  question.
• 6:49
  You're
• 6:50
  saying,
• 6:50
  wait
• 6:50
  a
• 6:50
  minute,
• 6:50
  Ralph,
• 6:51
  I
• 6:51
  want
• 6:51
  to
• 6:51
  get
• 6:51
  this
• 6:51
  payday
• 6:52
  loan,
• 6:52
  but
• 6:53
  what
• 6:53
  is
• 6:53
  this
• 6:53
  going
• 6:53
  to
• 6:53
  trigger
• 6:54
  in
• 6:54
  the
• 6:54
  future?
• 6:55
  But
• 6:55
  let's
• 6:55
  pivot
• 6:56
  to
• 6:56
  I.
• 6:56
  We
• 6:57
  gotta
• 6:57
  identify
• 6:58
  timing.
• 6:58
  I
• 6:59
  already
• 6:59
  talked
• 6:59
  to
• 6:59
  you
• 7:00
  a
• 7:00
  little
• 7:00
  bit
• 7:00
  about
• 7:00
  this
• 7:00
  in
• 7:01
  the
• 7:01
  awareness
• 7:02
  phase.
• 7:03
  Ask
• 7:03
  yourself,
• 7:04
  do
• 7:04
  I
• 7:04
  really
• 7:04
  need
• 7:05
  to
• 7:05
  solve
• 7:05
  this
• 7:05
  right
• 7:06
  now
• 7:07
  or
• 7:07
  does
• 7:07
  it
• 7:07
  just
• 7:08
  feel
• 7:08
  that
• 7:08
  way?
• 7:09
  Maybe
• 7:10
  this
• 7:10
  is
• 7:10
  a
• 7:10
  time
• 7:10
  to
• 7:11
  take
• 7:11
  a
• 7:11
  24
• 7:12
  hour
• 7:12
  pause
• 7:12
  and
• 7:13
  really
• 7:13
  think
• 7:13
  about
• 7:14
  the
• 7:14
  decision.
• 7:16
  Because
• 7:16
  as
• 7:16
  I
• 7:17
  said
• 7:17
  earlier,
• 7:17
  that
• 7:17
  urgency
• 7:18
  pushes
• 7:18
  you
• 7:19
  to
• 7:19
  make
• 7:19
  fast
• 7:19
  decisions.
• 7:21
  Unfortunately,
• 7:23
  many
• 7:23
  times
• 7:23
  when
• 7:24
  we
• 7:24
  make
• 7:24
  fast
• 7:25
  decisions,
• 7:25
  they
• 7:26
  turn
• 7:26
  out
• 7:26
  to
• 7:26
  not
• 7:27
  be
• 7:27
  great
• 7:27
  decisions.
• 7:29
  But
• 7:29
  that
• 7:29
  wisdom
• 7:30
  creates
• 7:30
  space.
• 7:31
  And
• 7:31
  even
• 7:32
  a
• 7:32
  small
• 7:32
  pause
• 7:33
  can
• 7:33
  reveal
• 7:33
  better
• 7:34
  options.
• 7:35
  As
• 7:35
  I
• 7:35
  said,
• 7:36
  urgency
• 7:36
  pushes
• 7:37
  fast
• 7:37
  decisions,
• 7:38
  but
• 7:38
  wisdom
• 7:39
  creates
• 7:39
  space.
• 7:40
  But
• 7:40
  let's
• 7:41
  go
• 7:41
  to
• 7:41
  the
• 7:41
  T.
• 7:42
  This
• 7:42
  is
• 7:42
  our
• 7:42
  think
• 7:43
  of
• 7:43
  options
• 7:43
  part.
• 7:44
  This
• 7:44
  is
• 7:44
  my
• 7:44
  favorite
• 7:45
  part.
• 7:45
  This
• 7:45
  is
• 7:45
  where
• 7:45
  we
• 7:45
  brainstorm.
• 7:47
  The
• 7:47
  first
• 7:47
  thing
• 7:47
  we've
• 7:48
  got
• 7:48
  to
• 7:48
  acknowledge
• 7:49
  is
• 7:49
  a
• 7:49
  payday
• 7:50
  loan
• 7:50
  is
• 7:50
  not
• 7:50
  the
• 7:51
  only
• 7:51
  option.
• 7:52
  There
• 7:53
  are
• 7:53
  other
• 7:53
  options.
• 7:55
  Maybe
• 7:55
  you
• 7:55
  got
• 7:55
  to
• 7:55
  think
• 7:55
  through
• 7:56
  those.
• 7:56
  Let
• 7:57
  me
• 7:57
  give
• 7:57
  you
• 7:57
  a
• 7:57
  couple
• 7:57
  examples.
• 7:58
  Maybe
• 7:59
  you
• 7:59
  ask
• 7:59
  for
• 7:59
  a
• 8:00
  payment
• 8:00
  extension.
• 8:01
  Maybe
• 8:01
  this
• 8:01
  is
• 8:02
  because
• 8:02
  you've
• 8:02
  got
• 8:02
  this
• 8:02
  bill
• 8:03
  coming
• 8:03
  up
• 8:03
  and
• 8:03
  you're
• 8:04
  like,
• 8:04
  I
• 8:04
  just
• 8:04
  don't
• 8:05
  have
• 8:05
  the
• 8:05
  money
• 8:05
  to
• 8:06
  pay
• 8:06
  it.
• 8:07
  Pick
• 8:07
  up
• 8:07
  the
• 8:07
  phone,
• 8:08
  call
• 8:08
  the
• 8:08
  creditor,
• 8:09
  maybe
• 8:09
  set
• 8:09
  up
• 8:10
  a
• 8:10
  payment
• 8:10
  plan.
• 8:10
  Maybe
• 8:10
  they'll
• 8:11
  let
• 8:11
  you
• 8:11
  break
• 8:11
  it
• 8:11
  into
• 8:11
  pieces.
• 8:13
  Borrow
• 8:13
  from
• 8:14
  someone
• 8:14
  you
• 8:14
  trust.
• 8:14
  Maybe
• 8:15
  this
• 8:15
  is
• 8:15
  a
• 8:15
  short
• 8:15
  term
• 8:16
  bridge
• 8:16
  and
• 8:16
  you're
• 8:16
  just.
• 8:17
  Maybe
• 8:17
  you
• 8:17
  got,
• 8:17
  maybe
• 8:18
  you
• 8:18
  missed
• 8:18
  some
• 8:18
  hours
• 8:18
  at
• 8:19
  work,
• 8:19
  maybe
• 8:19
  you
• 8:19
  were
• 8:20
  ill,
• 8:20
  maybe
• 8:20
  you
• 8:21
  had
• 8:21
  a
• 8:21
  short
• 8:22
  in
• 8:22
  your,
• 8:22
  in
• 8:22
  your
• 8:22
  shift.
• 8:24
  And
• 8:24
  maybe
• 8:24
  you
• 8:25
  still
• 8:25
  need
• 8:25
  to
• 8:25
  get
• 8:25
  a
• 8:25
  loan.
• 8:26
  Look
• 8:26
  at
• 8:26
  lower
• 8:27
  interest
• 8:27
  options.
• 8:28
  That's
• 8:28
  one
• 8:28
  thing
• 8:28
  I
• 8:28
  hate
• 8:28
  about
• 8:29
  these
• 8:29
  payday
• 8:29
  loans.
• 8:30
  They
• 8:30
  make
• 8:30
  it
• 8:31
  sound
• 8:31
  like
• 8:31
  you're
• 8:31
  not
• 8:31
  paying
• 8:31
  any
• 8:32
  interest,
• 8:32
  you're
• 8:33
  paying
• 8:33
  interest.
• 8:34
  Maybe
• 8:34
  you
• 8:35
  need
• 8:35
  to
• 8:35
  do
• 8:35
  some
• 8:35
  soul
• 8:36
  searching
• 8:36
  and
• 8:37
  look
• 8:37
  at
• 8:37
  delaying
• 8:38
  or
• 8:38
  reducing
• 8:38
  another
• 8:39
  expense
• 8:40
  so
• 8:40
  you
• 8:40
  can
• 8:40
  figure
• 8:40
  out
• 8:40
  how
• 8:41
  to
• 8:41
  pay
• 8:41
  this
• 8:41
  one.
• 8:42
  When
• 8:42
  I
• 8:43
  used
• 8:43
  to
• 8:43
  work
• 8:43
  in
• 8:43
  credit
• 8:44
  unions
• 8:44
  and
• 8:44
  when
• 8:44
  I
• 8:44
  worked
• 8:45
  with
• 8:45
  collection
• 8:45
  work,
• 8:46
  maybe
• 8:46
  this
• 8:46
  is
• 8:46
  a
• 8:46
  time
• 8:47
  to
• 8:47
  sell
• 8:47
  something.
• 8:48
  Maybe
• 8:49
  you
• 8:49
  need
• 8:49
  to
• 8:49
  call
• 8:49
  the
• 8:50
  creditor
• 8:50
  and
• 8:50
  ask
• 8:50
  for
• 8:50
  some
• 8:51
  hardship
• 8:51
  options.
• 8:52
  Maybe
• 8:53
  you
• 8:53
  need
• 8:53
  to
• 8:53
  look
• 8:53
  for
• 8:53
  some
• 8:54
  temporary
• 8:54
  income,
• 8:55
  get
• 8:55
  some
• 8:55
  extra
• 8:56
  shift
• 8:56
  at
• 8:56
  work,
• 8:57
  or
• 8:57
  just
• 8:57
  really
• 8:58
  rework
• 8:58
  your
• 8:59
  budget.
• 9:00
  So
• 9:00
  before
• 9:01
  you
• 9:01
  choose
• 9:01
  the
• 9:01
  fastest
• 9:02
  option,
• 9:03
  make
• 9:03
  sure
• 9:03
  you've
• 9:04
  explored
• 9:04
  the
• 9:05
  safer
• 9:05
  options.
• 9:07
  Which
• 9:07
  leads
• 9:07
  us
• 9:07
  to
• 9:07
  H
• 9:08
  the
• 9:08
  this
• 9:08
  is
• 9:09
  where
• 9:09
  we
• 9:09
  have
• 9:09
  to
• 9:09
  build
• 9:10
  a
• 9:10
  plan.
• 9:10
  This
• 9:11
  is
• 9:11
  the
• 9:11
  action
• 9:11
  step.
• 9:12
  Here's
• 9:13
  what
• 9:13
  I'm
• 9:13
  going
• 9:13
  to
• 9:13
  recommend
• 9:13
  you
• 9:14
  do
• 9:14
  for
• 9:14
  your
• 9:14
  particular
• 9:15
  situation.
• 9:16
  Write
• 9:17
  down
• 9:17
  the
• 9:17
  exact
• 9:17
  amount
• 9:18
  you
• 9:18
  need.
• 9:19
  Your
• 9:20
  listener
• 9:20
  question
• 9:21
  didn't
• 9:21
  really
• 9:21
  tell
• 9:21
  me
• 9:22
  that.
• 9:22
  So
• 9:23
  start
• 9:23
  by
• 9:23
  writing
• 9:23
  down
• 9:24
  what
• 9:24
  you
• 9:24
  need.
• 9:24
  Write
• 9:25
  down
• 9:25
  the
• 9:25
  deadline,
• 9:26
  and
• 9:27
  then
• 9:27
  think
• 9:27
  about
• 9:27
  some
• 9:27
  alternative
• 9:28
  to
• 9:28
  try
• 9:29
  first.
• 9:30
  Maybe
• 9:30
  you
• 9:30
  make
• 9:30
  that
• 9:31
  call
• 9:31
  or
• 9:31
  send
• 9:32
  that
• 9:32
  message
• 9:32
  to
• 9:32
  the
• 9:33
  creditor.
• 9:34
  Don't
• 9:34
  make
• 9:34
  that
• 9:34
  payday
• 9:35
  loan
• 9:35
  decision
• 9:36
  because
• 9:36
  it's
• 9:36
  oh,
• 9:37
  it
• 9:37
  puts
• 9:37
  the
• 9:37
  pressure
• 9:38
  off
• 9:39
  until
• 9:39
  you
• 9:39
  get
• 9:39
  to
• 9:40
  that
• 9:40
  step.
• 9:41
  Because
• 9:41
  so
• 9:41
  many
• 9:41
  people
• 9:42
  assume
• 9:42
  there
• 9:42
  are
• 9:43
  no
• 9:43
  options
• 9:44
  because
• 9:44
  they
• 9:44
  haven't
• 9:44
  asked
• 9:45
  yet.
• 9:46
  So
• 9:47
  make
• 9:47
  that
• 9:47
  call.
• 9:48
  Ask
• 9:48
  for
• 9:49
  flexibility.
• 9:50
  When
• 9:50
  I
• 9:50
  worked
• 9:50
  at
• 9:50
  the
• 9:50
  credit
• 9:51
  union,
• 9:51
  I
• 9:52
  loved
• 9:52
  those
• 9:52
  calls.
• 9:53
  I
• 9:53
  would
• 9:53
  work
• 9:54
  with
• 9:54
  people
• 9:54
  I
• 9:55
  know
• 9:55
  they
• 9:55
  had
• 9:55
  an
• 9:56
  intention
• 9:56
  to
• 9:56
  pay.
• 9:57
  There
• 9:57
  may
• 9:58
  be
• 9:58
  more
• 9:58
  options
• 9:59
  than
• 9:59
  you
• 9:59
  think
• 10:00
  because
• 10:00
  that
• 10:00
  pressure
• 10:01
  is
• 10:01
  going
• 10:01
  to
• 10:01
  say
• 10:01
  to
• 10:02
  you,
• 10:02
  do
• 10:02
  something
• 10:03
  fast.
• 10:03
  Just
• 10:04
  get
• 10:04
  it
• 10:04
  done.
• 10:04
  It's
• 10:05
  easy.
• 10:05
  Sign
• 10:06
  the
• 10:06
  paper
• 10:06
  and
• 10:06
  move
• 10:06
  on.
• 10:07
  But
• 10:08
  wisdom
• 10:08
  says,
• 10:08
  take
• 10:09
  the
• 10:09
  next
• 10:09
  right
• 10:10
  step,
• 10:10
  but
• 10:11
  let's
• 10:11
  pivot
• 10:11
  to
• 10:11
  the
• 10:12
  F.
• 10:12
  This
• 10:12
  is
• 10:13
  where
• 10:13
  we're
• 10:13
  going
• 10:13
  to
• 10:13
  bring
• 10:13
  our
• 10:13
  faith
• 10:14
  and
• 10:14
  surrender
• 10:15
  into
• 10:15
  it,
• 10:16
  bring
• 10:16
  God
• 10:17
  into
• 10:17
  this
• 10:17
  pressure.
• 10:19
  Talk
• 10:19
  through
• 10:20
  it
• 10:20
  in
• 10:20
  your
• 10:20
  own
• 10:20
  mind.
• 10:21
  Most
• 10:21
  of
• 10:21
  the
• 10:21
  time,
• 10:22
  it's
• 10:22
  not
• 10:22
  just
• 10:22
  a
• 10:23
  financial
• 10:23
  issue,
• 10:24
  it's
• 10:24
  an
• 10:24
  emotional
• 10:25
  issue.
• 10:26
  And
• 10:26
  I
• 10:27
  can
• 10:27
  feel
• 10:27
  that
• 10:27
  in
• 10:28
  your
• 10:28
  writing
• 10:28
  today.
• 10:29
  I
• 10:30
  see
• 10:30
  that
• 10:30
  you
• 10:30
  have
• 10:30
  pressure,
• 10:31
  you
• 10:31
  have
• 10:32
  fear,
• 10:33
  and
• 10:33
  you
• 10:33
  have
• 10:33
  this
• 10:33
  made
• 10:34
  uncertainty
• 10:35
  that
• 10:35
  you're
• 10:35
  going
• 10:35
  to
• 10:35
  make
• 10:35
  it
• 10:35
  difficult
• 10:36
  to
• 10:37
  make
• 10:37
  the
• 10:37
  right
• 10:37
  decision.
• 10:38
  And
• 10:38
  when
• 10:38
  you're
• 10:38
  living
• 10:39
  in
• 10:39
  that
• 10:39
  reality
• 10:40
  in
• 10:40
  your
• 10:40
  own
• 10:41
  mind,
• 10:41
  it
• 10:42
  makes
• 10:42
  it
• 10:42
  so
• 10:42
  difficult
• 10:43
  to
• 10:43
  think
• 10:43
  clearly.
• 10:44
  But
• 10:45
  here's
• 10:45
  the
• 10:45
  beautiful
• 10:45
  part
• 10:46
  of
• 10:46
  our
• 10:46
  God.
• 10:47
  God
• 10:47
  meets
• 10:47
  us
• 10:48
  right
• 10:48
  in
• 10:48
  the
• 10:48
  middle
• 10:48
  of
• 10:49
  that
• 10:49
  pressure.
• 10:50
  You
• 10:50
  don't
• 10:51
  have
• 10:51
  to
• 10:51
  make
• 10:51
  this
• 10:51
  decision
• 10:52
  alone.
• 10:53
  There's
• 10:53
  grace
• 10:54
  and
• 10:55
  not
• 10:55
  shame.
• 10:56
  Maybe
• 10:56
  you
• 10:56
  just
• 10:56
  say
• 10:56
  to
• 10:57
  God,
• 10:57
  lord,
• 10:57
  I
• 10:57
  feel
• 10:57
  pressure
• 10:58
  right
• 10:58
  now.
• 10:59
  Help
• 11:00
  me
• 11:00
  choose
• 11:00
  what
• 11:00
  is
• 11:00
  wise,
• 11:01
  not
• 11:01
  just
• 11:01
  what
• 11:01
  is
• 11:02
  fast.
• 11:03
  Because
• 11:04
  God
• 11:04
  can
• 11:04
  meet
• 11:04
  you
• 11:05
  right
• 11:05
  there
• 11:05
  in
• 11:05
  the
• 11:05
  middle
• 11:06
  of
• 11:06
  that
• 11:06
  pressure.
• 11:07
  Not
• 11:08
  only
• 11:08
  after
• 11:08
  the
• 11:09
  decision
• 11:09
  is
• 11:09
  made,
• 11:10
  but
• 11:11
  then
• 11:11
  I
• 11:11
  want
• 11:11
  you
• 11:11
  to
• 11:11
  really
• 11:12
  focus
• 11:12
  in
• 11:12
  on
• 11:12
  understanding
• 11:13
  your
• 11:13
  progress.
• 11:14
  That's
• 11:14
  why
• 11:14
  we
• 11:14
  do
• 11:15
  you,
• 11:15
  because
• 11:15
  I
• 11:15
  want
• 11:15
  to
• 11:16
  talk
• 11:16
  about
• 11:16
  momentum.
• 11:18
  In
• 11:18
  your
• 11:18
  particular
• 11:18
  case,
• 11:20
  progress
• 11:20
  might
• 11:20
  look
• 11:21
  like
• 11:21
  instant
• 11:22
  cash,
• 11:23
  but
• 11:23
  that
• 11:23
  may
• 11:23
  not
• 11:23
  be
• 11:23
  the
• 11:24
  best
• 11:24
  progress.
• 11:24
  You
• 11:24
  have
• 11:25
  progress
• 11:26
  for
• 11:26
  you
• 11:26
  might
• 11:26
  look
• 11:27
  like
• 11:27
  avoiding
• 11:27
  that
• 11:28
  payday
• 11:28
  loan
• 11:28
  trap.
• 11:29
  I
• 11:29
  honestly
• 11:29
  think
• 11:29
  they
• 11:29
  are
• 11:30
  traps.
• 11:30
  I
• 11:30
  do
• 11:31
  not
• 11:31
  support
• 11:31
  them.
• 11:32
  I
• 11:32
  think
• 11:32
  they're
• 11:32
  bad
• 11:32
  things
• 11:33
  to
• 11:33
  do.
• 11:34
  Progress
• 11:34
  might
• 11:34
  be
• 11:35
  making
• 11:35
  that
• 11:35
  one
• 11:35
  call.
• 11:36
  Maybe
• 11:36
  you
• 11:36
  reach
• 11:36
  out
• 11:37
  to
• 11:37
  that
• 11:37
  creditor
• 11:37
  and
• 11:37
  you're
• 11:38
  like,
• 11:38
  ralph,
• 11:38
  I
• 11:38
  never
• 11:38
  thought
• 11:38
  about
• 11:39
  that.
• 11:39
  Let
• 11:39
  me
• 11:40
  call
• 11:40
  them.
• 11:41
  Maybe
• 11:41
  you
• 11:41
  wait
• 11:42
  24
• 11:42
  hours
• 11:43
  because
• 11:44
  every
• 11:44
  time
• 11:44
  you
• 11:45
  avoid
• 11:45
  this
• 11:45
  harmful
• 11:46
  cycle,
• 11:46
  you
• 11:47
  create
• 11:47
  momentum.
• 11:48
  Just
• 11:49
  remember,
• 11:49
  progress
• 11:50
  is
• 11:50
  not
• 11:50
  always
• 11:51
  instant
• 11:51
  relief.
• 11:53
  Sometimes
• 11:53
  progress
• 11:54
  is
• 11:54
  refusing
• 11:55
  to
• 11:55
  make
• 11:55
  tomorrow
• 11:55
  harder.
• 11:57
  But
• 11:57
  let's
• 11:57
  go
• 11:57
  to
• 11:57
  L.
• 11:58
  We
• 11:58
  also
• 11:58
  have
• 11:58
  to
• 11:58
  look
• 11:59
  ahead.
• 12:00
  You
• 12:01
  have
• 12:01
  to
• 12:01
  really
• 12:01
  ask
• 12:02
  yourself,
• 12:02
  in
• 12:02
  this
• 12:02
  particular
• 12:03
  case,
• 12:03
  once
• 12:03
  you've
• 12:04
  solved
• 12:04
  this
• 12:04
  problem,
• 12:05
  ask
• 12:05
  yourself
• 12:06
  what
• 12:06
  created
• 12:07
  this
• 12:07
  pressure?
• 12:08
  Was
• 12:08
  it
• 12:09
  a
• 12:09
  gap
• 12:09
  in
• 12:09
  my
• 12:09
  income?
• 12:10
  Was
• 12:11
  it
• 12:11
  unexpected
• 12:11
  expenses
• 12:12
  that
• 12:12
  I
• 12:12
  need
• 12:12
  to
• 12:13
  do
• 12:13
  a
• 12:13
  better
• 12:13
  job
• 12:13
  of
• 12:14
  managing?
• 12:15
  Do
• 12:15
  I
• 12:15
  not
• 12:15
  have
• 12:15
  much
• 12:16
  margin?
• 12:17
  Is
• 12:18
  it
• 12:18
  a
• 12:18
  bill
• 12:18
  timing
• 12:19
  issue?
• 12:20
  Hey,
• 12:20
  maybe
• 12:20
  we
• 12:20
  got
• 12:20
  to
• 12:20
  be
• 12:21
  honest
• 12:21
  and
• 12:21
  say
• 12:21
  I've
• 12:21
  been
• 12:22
  overspending.
• 12:23
  Is
• 12:24
  it
• 12:24
  something
• 12:24
  that
• 12:24
  can
• 12:24
  be
• 12:25
  planned
• 12:25
  for
• 12:25
  the
• 12:25
  next
• 12:26
  time
• 12:26
  this
• 12:26
  happened?
• 12:27
  And
• 12:27
  this
• 12:28
  isn't
• 12:28
  a
• 12:28
  place
• 12:28
  to
• 12:28
  put
• 12:29
  yourself
• 12:29
  into
• 12:29
  a
• 12:30
  level
• 12:30
  of
• 12:30
  shame.
• 12:30
  This
• 12:31
  show
• 12:31
  is
• 12:31
  never
• 12:31
  about
• 12:32
  shame.
• 12:32
  It's
• 12:32
  actually
• 12:32
  about
• 12:33
  breaking
• 12:33
  free
• 12:34
  of
• 12:34
  that.
• 12:35
  The
• 12:35
  goal
• 12:35
  here
• 12:35
  is
• 12:36
  to
• 12:36
  identify
• 12:36
  the
• 12:37
  pattern
• 12:38
  and
• 12:38
  solve
• 12:39
  those
• 12:39
  immediate
• 12:39
  issues
• 12:40
  so
• 12:40
  that
• 12:40
  this
• 12:41
  prevents
• 12:41
  this
• 12:41
  from
• 12:41
  happening
• 12:42
  in
• 12:42
  the
• 12:42
  future.
• 12:43
  Because
• 12:44
  once
• 12:44
  this
• 12:44
  moment
• 12:44
  passes,
• 12:46
  don't
• 12:46
  just
• 12:46
  move
• 12:46
  on.
• 12:47
  It's
• 12:47
  real
• 12:47
  easy
• 12:48
  to
• 12:48
  do
• 12:48
  that.
• 12:48
  So
• 12:48
  I've
• 12:49
  solved
• 12:49
  the
• 12:49
  problem,
• 12:49
  just
• 12:49
  going
• 12:49
  to
• 12:50
  move
• 12:50
  on,
• 12:50
  learn
• 12:51
  from
• 12:51
  it
• 12:51
  so
• 12:52
  that
• 12:52
  same
• 12:52
  pressure
• 12:53
  doesn't
• 12:53
  keep
• 12:53
  repeating.
• 12:55
  Here's
• 12:55
  the
• 12:55
  big
• 12:56
  idea
• 12:56
  for
• 12:56
  today.
• 12:57
  Quick
• 12:57
  relief
• 12:58
  that
• 12:58
  creates
• 12:58
  ongoing
• 12:59
  pressure
• 12:59
  is
• 13:00
  not
• 13:00
  a
• 13:00
  solution.
• 13:01
  It's
• 13:01
  just
• 13:01
  a
• 13:02
  cycle.
• 13:02
  And
• 13:03
  that's
• 13:03
  what
• 13:03
  worries
• 13:03
  me
• 13:03
  about
• 13:04
  these
• 13:04
  payday
• 13:04
  loans.
• 13:05
  But
• 13:05
  let's
• 13:05
  get
• 13:06
  into
• 13:06
  today's
• 13:06
  win.
• 13:07
  Today's
• 13:07
  win
• 13:08
  is
• 13:08
  this.
• 13:08
  Delay
• 13:09
  the
• 13:09
  decision.
• 13:10
  Finish
• 13:11
  this
• 13:11
  sentence.
• 13:12
  I
• 13:12
  will
• 13:12
  wait
• 13:12
  X
• 13:13
  hours
• 13:13
  or
• 13:14
  days.
• 13:14
  And
• 13:14
  I'm
• 13:15
  going
• 13:15
  to
• 13:15
  explore
• 13:15
  one
• 13:16
  alternative
• 13:16
  before
• 13:17
  deciding
• 13:18
  and
• 13:18
  then
• 13:18
  write
• 13:18
  it
• 13:19
  down
• 13:19
  and
• 13:20
  then
• 13:20
  choose
• 13:20
  one
• 13:20
  of
• 13:21
  those
• 13:21
  alternatives
• 13:21
  and
• 13:22
  take
• 13:22
  action
• 13:22
  on
• 13:22
  it.
• 13:23
  Just
• 13:23
  think
• 13:24
  about
• 13:24
  what
• 13:24
  I've
• 13:24
  said
• 13:24
  today.
• 13:25
  That
• 13:25
  space,
• 13:26
  that
• 13:26
  buffer,
• 13:27
  that
• 13:27
  pause
• 13:28
  will
• 13:29
  let
• 13:29
  you
• 13:29
  make
• 13:29
  better
• 13:29
  choices.
• 13:31
  Let's
• 13:31
  get
• 13:31
  into
• 13:31
  our
• 13:32
  scripture
• 13:32
  for
• 13:32
  today.
• 13:33
  Today
• 13:33
  I
• 13:33
  go
• 13:33
  to
• 13:34
  James,
• 13:34
  chapter
• 13:35
  one,
• 13:35
  verse
• 13:35
  five.
• 13:36
  It
• 13:37
  says,
• 13:37
  if
• 13:37
  any
• 13:37
  of
• 13:37
  you
• 13:38
  lacks
• 13:38
  wisdom,
• 13:39
  let
• 13:39
  him
• 13:39
  ask
• 13:39
  of
• 13:40
  God
• 13:40
  to
• 13:40
  give
• 13:41
  it
• 13:41
  to
• 13:41
  all
• 13:41
  men
• 13:42
  liberally
• 13:43
  and
• 13:43
  and
• 13:43
  unbraideth
• 13:44
  not,
• 13:44
  and
• 13:44
  it
• 13:44
  shall
• 13:45
  be
• 13:45
  given
• 13:46
  him.
• 13:47
  And
• 13:47
  I
• 13:47
  like
• 13:48
  this
• 13:48
  verse
• 13:48
  today.
• 13:49
  Because
• 13:49
  when
• 13:50
  we
• 13:50
  find
• 13:50
  ourselves
• 13:51
  in
• 13:51
  moments
• 13:51
  of
• 13:51
  pressure
• 13:53
  and
• 13:53
  we're
• 13:53
  all
• 13:53
  going
• 13:54
  to
• 13:54
  have
• 13:54
  pressure
• 13:54
  in
• 13:54
  our
• 13:54
  lives,
• 13:56
  God
• 13:56
  invites
• 13:56
  us
• 13:57
  to
• 13:57
  something
• 13:57
  beautiful.
• 13:58
  He
• 13:58
  invites
• 13:59
  us
• 13:59
  to
• 13:59
  seek
• 13:59
  wisdom
• 14:00
  and
• 14:00
  not
• 14:01
  make
• 14:01
  rush
• 14:01
  decisions.
• 14:03
  So
• 14:03
  that's
• 14:03
  what
• 14:03
  I
• 14:04
  want
• 14:04
  to
• 14:04
  leave
• 14:04
  you
• 14:04
  with
• 14:04
  today.
• 14:04
  How
• 14:05
  about
• 14:05
  we
• 14:05
  pray
• 14:05
  together?
• 14:06
  Heavenly
• 14:07
  Father,
• 14:08
  I
• 14:08
  lift
• 14:08
  up
• 14:08
  the
• 14:08
  person
• 14:09
  listening
• 14:09
  right
• 14:10
  now
• 14:10
  who
• 14:10
  feels
• 14:10
  this
• 14:11
  pressure.
• 14:12
  You
• 14:12
  see
• 14:12
  their
• 14:13
  need,
• 14:14
  you
• 14:14
  see
• 14:14
  their
• 14:14
  situation
• 14:16
  and
• 14:16
  you
• 14:16
  understand
• 14:17
  that
• 14:17
  weight
• 14:17
  they're
• 14:18
  carrying.
• 14:19
  So
• 14:19
  right
• 14:19
  at
• 14:20
  this
• 14:20
  moment,
• 14:20
  Lord,
• 14:20
  I
• 14:20
  ask
• 14:21
  that
• 14:21
  you
• 14:21
  would
• 14:21
  bring
• 14:21
  calm
• 14:22
  into
• 14:22
  this
• 14:22
  moment.
• 14:23
  Give
• 14:24
  them
• 14:24
  wisdom
• 14:24
  to
• 14:25
  slow
• 14:25
  down,
• 14:25
  Lord,
• 14:26
  to
• 14:26
  really
• 14:26
  see
• 14:27
  clearly
• 14:28
  and
• 14:28
  to
• 14:28
  make
• 14:29
  the
• 14:29
  best
• 14:29
  choice
• 14:29
  for
• 14:30
  what
• 14:30
  is
• 14:30
  right.
• 14:31
  Provide
• 14:32
  for
• 14:32
  them
• 14:32
  in
• 14:32
  ways
• 14:33
  that
• 14:33
  they
• 14:33
  may
• 14:33
  not
• 14:34
  even
• 14:34
  expect.
• 14:34
  You're
• 14:35
  a
• 14:35
  Lord
• 14:35
  of
• 14:35
  abundance.
• 14:36
  We
• 14:36
  know
• 14:36
  you
• 14:36
  can
• 14:36
  do
• 14:36
  this.
• 14:37
  Open
• 14:38
  doors
• 14:38
  for
• 14:38
  better
• 14:39
  options
• 14:39
  to
• 14:39
  them,
• 14:39
  Lord,
• 14:40
  and
• 14:40
  protect
• 14:40
  them
• 14:41
  from
• 14:41
  decisions
• 14:41
  that
• 14:42
  would
• 14:42
  create
• 14:42
  more
• 14:42
  burdens
• 14:43
  down
• 14:43
  the
• 14:43
  road.
• 14:44
  But
• 14:44
  most
• 14:45
  of
• 14:45
  all,
• 14:45
  Lord,
• 14:45
  remind
• 14:46
  all
• 14:46
  of
• 14:46
  us
• 14:47
  we
• 14:47
  are
• 14:48
  never
• 14:48
  alone
• 14:49
  and
• 14:49
  you're
• 14:49
  with
• 14:50
  us,
• 14:50
  even
• 14:50
  here,
• 14:51
  even
• 14:52
  now.
• 14:53
  And
• 14:53
  I
• 14:53
  ask
• 14:53
  this
• 14:53
  in
• 14:54
  Jesus
• 14:54
  name.
• 14:55
  Amen,
• 14:57
  friend.
• 14:58
  Not
• 14:58
  every
• 14:58
  fast
• 14:59
  solution
• 14:59
  is
• 14:59
  a
• 15:00
  good
• 15:00
  solution.
• 15:01
  You
• 15:01
  got
• 15:01
  to
• 15:01
  choose
• 15:02
  what
• 15:02
  protects
• 15:02
  your
• 15:02
  peace
• 15:03
  and
• 15:03
  not
• 15:04
  just
• 15:04
  what
• 15:04
  gives
• 15:04
  you
• 15:04
  the
• 15:05
  quickest
• 15:05
  relief.
• 15:06
  So
• 15:07
  today,
• 15:07
  delay
• 15:07
  that
• 15:08
  decision
• 15:08
  and
• 15:09
  give
• 15:09
  yourself
• 15:09
  a
• 15:09
  little
• 15:10
  space.
• 15:11
  Explore
• 15:11
  one
• 15:12
  better
• 15:12
  alternative
• 15:13
  before
• 15:13
  you
• 15:13
  move
• 15:14
  forward.
• 15:15
  And
• 15:15
  if
• 15:15
  you
• 15:15
  want
• 15:15
  to
• 15:16
  talk
• 15:16
  through
• 15:16
  things
• 15:16
  like
• 15:16
  this,
• 15:17
  or
• 15:17
  maybe
• 15:18
  you
• 15:18
  found
• 15:18
  a
• 15:19
  better
• 15:19
  way
• 15:19
  yourself,
• 15:19
  I
• 15:20
  would
• 15:20
  love
• 15:20
  to
• 15:20
  hear
• 15:20
  what
• 15:20
  you've
• 15:21
  done.
• 15:21
  You
• 15:22
  can
• 15:22
  leave
• 15:22
  a
• 15:22
  voicemail
• 15:22
  for
• 15:23
  me
• 15:23
  by
• 15:23
  going
• 15:23
  to
• 15:23
  financiallyconfidentchristian.com/voicemail
• 15:28
  we'll
• 15:28
  put
• 15:28
  a
• 15:28
  link
• 15:29
  in
• 15:29
  the
• 15:29
  show
• 15:29
  notes,
• 15:29
  but
• 15:30
  again
• 15:30
  that's
• 15:30
  financiallyconfidentchristian.com/voicemail
• 15:35
  thank
• 15:35
  you
• 15:36
  so
• 15:36
  much
• 15:36
  for
• 15:36
  joining
• 15:36
  me
• 15:37
  today.
• 15:37
  I
• 15:37
  just
• 15:37
  want
• 15:37
  to
• 15:37
  encourage
• 15:38
  you
• 15:38
  stay
• 15:39
  financially
• 15:39
  savvy.
• 15:40
  May
• 15:40
  God
• 15:41
  bless
• 15:41
  you
• 15:41
  and
• 15:42
  you
• 15:42
  have
• 15:42
  a
• 15:42
  truly
• 15:43
  great
• 15:43
  day
• 15:43
  today.