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Anxious About January Bills? How Prep Can Calm the Storm · Becoming Financially Confident

• 0:38
  Let
• 0:38
  me
• 0:38
  ask
• 0:38
  you
• 0:38
  this.
• 0:39
  Does
• 0:39
  January
• 0:39
  feel
• 0:40
  like
• 0:40
  the
• 0:40
  toughest
• 0:40
  month
• 0:41
  of
• 0:41
  the
• 0:41
  year
• 0:41
  for
• 0:41
  you?
• 0:42
  Those
• 0:42
  insurance
• 0:43
  renewals
• 0:43
  hit
• 0:44
  the
• 0:44
  heating
• 0:44
  bill
• 0:44
  jumps,
• 0:45
  school
• 0:46
  fees
• 0:46
  show
• 0:46
  up,
• 0:47
  and
• 0:47
  all
• 0:48
  of
• 0:48
  it
• 0:48
  seems
• 0:48
  to
• 0:48
  land
• 0:48
  all
• 0:49
  at
• 0:49
  once,
• 0:49
  right
• 0:50
  when
• 0:50
  you're
• 0:50
  already
• 0:50
  worn
• 0:51
  out
• 0:51
  from
• 0:51
  Christmas
• 0:52
  and
• 0:52
  you
• 0:52
  start
• 0:53
  wondering
• 0:53
  to
• 0:53
  yourself,
• 0:54
  why
• 0:54
  does
• 0:54
  this
• 0:55
  always
• 0:55
  feel
• 0:55
  so
• 0:55
  overwhelming?
• 0:57
  Well,
• 0:57
  you're
• 0:57
  not
• 0:57
  imagining
• 0:58
  it,
• 0:58
  and
• 0:58
  you're
• 0:58
  definitely
• 0:59
  not
• 0:59
  failing.
• 1:00
  This
• 1:00
  is
• 1:00
  a
• 1:00
  real
• 1:00
  pattern
• 1:01
  that
• 1:01
  catches
• 1:01
  a
• 1:01
  lot
• 1:01
  of
• 1:02
  good
• 1:02
  people
• 1:02
  off
• 1:02
  guard.
• 1:03
  But
• 1:03
  here's
• 1:04
  the
• 1:04
  encouraging
• 1:04
  point.
• 1:05
  If
• 1:05
  you
• 1:05
  prepare
• 1:06
  a
• 1:06
  little
• 1:06
  bit
• 1:06
  in
• 1:06
  December,
• 1:07
  you
• 1:07
  can
• 1:07
  walk
• 1:07
  into
• 1:08
  January
• 1:08
  with
• 1:08
  a
• 1:08
  whole
• 1:09
  lot
• 1:09
  more
• 1:09
  peace.
• 1:09
  And
• 1:10
  today,
• 1:10
  I
• 1:10
  want
• 1:10
  to
• 1:11
  show
• 1:11
  you
• 1:11
  how
• 1:11
  to
• 1:11
  do
• 1:11
  exactly
• 1:12
  that
• 1:12
  in
• 1:12
  a
• 1:12
  simple
• 1:13
  and
• 1:13
  practical
• 1:14
  way.
• 1:35
  Hey,
• 1:35
  friend.
• 1:36
  Welcome
• 1:36
  back.
• 1:36
  My
• 1:36
  name
• 1:37
  is
• 1:37
  Ralph,
• 1:37
  and
• 1:37
  if
• 1:38
  you're
• 1:38
  joining
• 1:38
  me
• 1:38
  for
• 1:38
  the
• 1:38
  first
• 1:39
  time,
• 1:39
  I'm
• 1:39
  really
• 1:39
  glad
• 1:40
  you're
• 1:40
  here.
• 1:40
  This
• 1:41
  is
• 1:41
  Financially
• 1:41
  Confident
• 1:42
  Christian,
• 1:42
  where
• 1:43
  we
• 1:43
  combine
• 1:43
  faith,
• 1:44
  wisdom,
• 1:44
  and
• 1:45
  practical
• 1:45
  steps
• 1:45
  to
• 1:46
  help
• 1:46
  you
• 1:46
  build
• 1:46
  real
• 1:46
  peace
• 1:47
  around
• 1:47
  your
• 1:47
  finances.
• 1:48
  And
• 1:48
  today,
• 1:49
  we're
• 1:49
  walking
• 1:49
  through
• 1:49
  something
• 1:50
  almost
• 1:50
  everybody
• 1:51
  feels,
• 1:51
  but
• 1:52
  very
• 1:52
  few
• 1:52
  people
• 1:52
  are
• 1:53
  actually
• 1:53
  prepared
• 1:54
  for.
• 1:54
  And
• 1:54
  that's
• 1:54
  that
• 1:55
  financial
• 1:55
  hit
• 1:55
  that
• 1:56
  January
• 1:56
  brings.
• 1:57
  But
• 1:57
  here's
• 1:57
  the
• 1:57
  thing.
• 1:58
  You
• 1:58
  don't
• 1:58
  have
• 1:59
  to
• 1:59
  let
• 1:59
  January
• 1:59
  push
• 2:00
  you
• 2:00
  around
• 2:00
  this
• 2:00
  year.
• 2:01
  You
• 2:01
  can
• 2:02
  get
• 2:02
  ahead
• 2:02
  of
• 2:02
  it,
• 2:02
  and
• 2:03
  you
• 2:03
  can
• 2:03
  do
• 2:03
  it
• 2:03
  in
• 2:03
  a
• 2:04
  way
• 2:04
  that
• 2:04
  doesn't
• 2:04
  overwhelm
• 2:05
  you.
• 2:06
  Let
• 2:06
  me
• 2:06
  show
• 2:06
  you
• 2:06
  how.
• 2:07
  I
• 2:08
  got
• 2:08
  a
• 2:08
  message
• 2:08
  recently,
• 2:09
  said
• 2:09
  this,
• 2:09
  Ralph,
• 2:10
  Every
• 2:10
  new
• 2:10
  year
• 2:11
  hits
• 2:11
  me
• 2:11
  like
• 2:11
  a
• 2:11
  financial
• 2:12
  punch.
• 2:13
  Insurance,
• 2:14
  heating,
• 2:14
  school
• 2:15
  fees.
• 2:15
  Everything
• 2:15
  happens
• 2:16
  all
• 2:16
  at
• 2:16
  once.
• 2:16
  Ralph.
• 2:17
  How
• 2:17
  do
• 2:18
  I
• 2:18
  get
• 2:18
  ahead
• 2:18
  of
• 2:18
  this
• 2:18
  before
• 2:19
  it
• 2:19
  gets
• 2:19
  ahead
• 2:19
  of
• 2:19
  me?
• 2:20
  Well,
• 2:20
  if
• 2:21
  that
• 2:21
  sounds
• 2:21
  familiar,
• 2:22
  you're
• 2:22
  in
• 2:22
  good
• 2:22
  company.
• 2:23
  Trust
• 2:23
  me,
• 2:23
  I've
• 2:23
  been
• 2:24
  there,
• 2:24
  too.
• 2:24
  And
• 2:25
  I
• 2:25
  want
• 2:25
  you
• 2:25
  to
• 2:25
  know
• 2:26
  there
• 2:26
  really
• 2:26
  is
• 2:26
  a
• 2:27
  way
• 2:27
  through
• 2:27
  this.
• 2:28
  Let's
• 2:28
  talk
• 2:28
  about
• 2:28
  why
• 2:29
  this
• 2:29
  keeps
• 2:29
  happening.
• 2:30
  Because
• 2:30
  before
• 2:30
  we
• 2:31
  can
• 2:31
  fix
• 2:31
  anything,
• 2:31
  we
• 2:32
  have
• 2:32
  to
• 2:32
  understand
• 2:32
  what's
• 2:33
  actually
• 2:33
  going
• 2:34
  on
• 2:34
  here.
• 2:35
  Every
• 2:35
  year,
• 2:35
  right
• 2:36
  after
• 2:36
  the
• 2:36
  holidays,
• 2:37
  banks
• 2:37
  see
• 2:37
  a
• 2:37
  spike
• 2:38
  in
• 2:38
  overdrafts.
• 2:39
  And
• 2:39
  it's
• 2:40
  not
• 2:40
  because
• 2:40
  people
• 2:40
  suddenly
• 2:41
  make
• 2:41
  less
• 2:41
  money.
• 2:42
  It's
• 2:42
  because
• 2:42
  the
• 2:43
  timing
• 2:43
  of
• 2:43
  expenses,
• 2:44
  shifts.
• 2:45
  For
• 2:45
  so
• 2:46
  many
• 2:46
  of
• 2:46
  us,
• 2:46
  January
• 2:47
  brings
• 2:47
  a
• 2:47
  cluster
• 2:48
  of
• 2:48
  bills
• 2:48
  that
• 2:48
  feel
• 2:49
  new,
• 2:49
  even
• 2:50
  though
• 2:50
  they
• 2:50
  happen
• 2:51
  every
• 2:51
  single
• 2:51
  year.
• 2:52
  The
• 2:52
  problem
• 2:53
  isn't
• 2:53
  the
• 2:53
  bill
• 2:53
  itself,
• 2:54
  but
• 2:54
  the
• 2:54
  problem
• 2:55
  is
• 2:55
  a
• 2:55
  surprise.
• 2:57
  And
• 2:57
  this
• 2:57
  is
• 2:57
  a
• 2:57
  principle
• 2:58
  I've
• 2:58
  seen
• 2:58
  over
• 2:59
  and
• 2:59
  over.
• 3:00
  When
• 3:00
  you
• 3:00
  plan
• 3:00
  for
• 3:01
  something,
• 3:01
  you
• 3:01
  protect
• 3:02
  your
• 3:02
  peace.
• 3:02
  Let
• 3:02
  me
• 3:02
  share
• 3:03
  why
• 3:03
  this
• 3:03
  matters
• 3:04
  so
• 3:04
  much
• 3:04
  to
• 3:04
  me.
• 3:05
  Before
• 3:05
  we
• 3:05
  get
• 3:05
  to
• 3:05
  the
• 3:06
  steps,
• 3:06
  I
• 3:06
  want
• 3:06
  you
• 3:06
  to
• 3:07
  understand
• 3:07
  where
• 3:07
  this
• 3:08
  advice
• 3:08
  comes
• 3:08
  from.
• 3:09
  I've
• 3:09
  been
• 3:09
  working
• 3:09
  with
• 3:10
  families
• 3:10
  and
• 3:10
  business
• 3:11
  owners
• 3:11
  and
• 3:11
  people
• 3:11
  just
• 3:12
  like
• 3:12
  you
• 3:12
  for
• 3:12
  over
• 3:12
  30
• 3:13
  years.
• 3:13
  And
• 3:14
  I've
• 3:14
  walked
• 3:14
  many
• 3:15
  people
• 3:15
  through
• 3:15
  this
• 3:15
  exact
• 3:16
  same
• 3:16
  problem.
• 3:17
  And
• 3:17
  the
• 3:17
  pattern
• 3:18
  that
• 3:18
  I've
• 3:18
  seen
• 3:18
  is
• 3:19
  always
• 3:19
  the
• 3:19
  same.
• 3:20
  A
• 3:20
  simple
• 3:21
  plan
• 3:21
  beats
• 3:21
  scrambling.
• 3:22
  And
• 3:22
  if
• 3:22
  you
• 3:23
  can
• 3:23
  prepare
• 3:23
  in
• 3:23
  December,
• 3:24
  it
• 3:24
  makes
• 3:24
  January
• 3:25
  much
• 3:25
  less
• 3:25
  overwhelming.
• 3:26
  And
• 3:27
  let
• 3:27
  me
• 3:27
  tell
• 3:27
  you
• 3:27
  right
• 3:27
  now,
• 3:28
  peace
• 3:28
  grows
• 3:28
  the
• 3:28
  moment
• 3:29
  you
• 3:29
  find
• 3:29
  something
• 3:30
  on
• 3:30
  paper.
• 3:31
  You
• 3:31
  don't
• 3:31
  need
• 3:31
  a
• 3:32
  complicated
• 3:32
  system.
• 3:33
  You
• 3:33
  don't
• 3:33
  need
• 3:34
  a
• 3:34
  perfect
• 3:34
  plan.
• 3:35
  You
• 3:35
  just
• 3:35
  need
• 3:35
  a
• 3:36
  plan
• 3:36
  that
• 3:36
  fits
• 3:36
  your
• 3:36
  life.
• 3:37
  So
• 3:37
  let
• 3:37
  me
• 3:37
  give
• 3:37
  you
• 3:37
  a
• 3:37
  real
• 3:38
  example.
• 3:38
  Sometimes
• 3:39
  a
• 3:39
  story
• 3:39
  makes
• 3:40
  the
• 3:40
  whole
• 3:40
  thing
• 3:40
  click.
• 3:41
  There
• 3:41
  was
• 3:41
  someone
• 3:41
  I
• 3:42
  helped
• 3:42
  a
• 3:42
  while
• 3:42
  back
• 3:42
  who
• 3:42
  dreaded
• 3:43
  January.
• 3:44
  Every
• 3:44
  single
• 3:44
  year,
• 3:45
  every
• 3:45
  time,
• 3:45
  it
• 3:46
  was
• 3:46
  the
• 3:46
  same
• 3:46
  thing.
• 3:47
  The
• 3:47
  heating
• 3:47
  bill
• 3:48
  went
• 3:48
  up,
• 3:48
  my
• 3:49
  insurance
• 3:49
  came
• 3:49
  due,
• 3:50
  property
• 3:50
  taxes
• 3:50
  landed,
• 3:51
  and
• 3:51
  she
• 3:51
  always
• 3:52
  felt
• 3:52
  like
• 3:52
  she
• 3:53
  had
• 3:53
  been
• 3:53
  blindsided.
• 3:54
  What
• 3:54
  do
• 3:55
  we
• 3:55
  do?
• 3:55
  We
• 3:55
  sat
• 3:55
  down
• 3:56
  together
• 3:56
  and
• 3:56
  we
• 3:57
  listed
• 3:57
  every
• 3:57
  recurring
• 3:58
  expense.
• 3:58
  We
• 3:58
  put
• 3:59
  pen
• 3:59
  to
• 3:59
  paper.
• 4:00
  We
• 4:00
  planned
• 4:00
  ahead
• 4:00
  for
• 4:01
  the
• 4:01
  big
• 4:01
  ones,
• 4:01
  and
• 4:02
  we
• 4:02
  spread
• 4:02
  things
• 4:02
  out
• 4:02
  in
• 4:03
  a
• 4:03
  way
• 4:03
  that
• 4:03
  made
• 4:03
  sense
• 4:04
  for
• 4:04
  her.
• 4:04
  Well,
• 4:05
  guess
• 4:05
  what
• 4:05
  happened
• 4:05
  the
• 4:06
  next
• 4:06
  January.
• 4:07
  She
• 4:07
  said
• 4:07
  to
• 4:07
  me,
• 4:07
  ralph,
• 4:08
  I've
• 4:08
  never
• 4:08
  felt
• 4:08
  this
• 4:09
  calm.
• 4:10
  Not
• 4:10
  because
• 4:10
  money
• 4:11
  magically
• 4:11
  appeared.
• 4:11
  She
• 4:11
  didn't
• 4:12
  get
• 4:12
  a
• 4:12
  big
• 4:12
  raise
• 4:14
  because
• 4:14
  she
• 4:14
  wasn't
• 4:14
  surprised
• 4:15
  anymore.
• 4:16
  That's
• 4:16
  the
• 4:17
  power
• 4:17
  of
• 4:17
  preparation.
• 4:18
  So
• 4:19
  let's
• 4:19
  answer
• 4:19
  the
• 4:19
  real
• 4:20
  question
• 4:20
  today,
• 4:21
  and
• 4:21
  that's
• 4:21
  this.
• 4:22
  How
• 4:22
  do
• 4:22
  you
• 4:22
  get
• 4:22
  ahead
• 4:22
  of
• 4:23
  January?
• 4:23
  Instead
• 4:24
  of
• 4:24
  letting
• 4:24
  January
• 4:25
  get
• 4:25
  a
• 4:25
  hold
• 4:25
  of
• 4:25
  you,
• 4:26
  here
• 4:26
  are
• 4:27
  my
• 4:27
  four
• 4:27
  steps
• 4:27
  to
• 4:27
  a
• 4:28
  peaceful
• 4:28
  new
• 4:28
  year.
• 4:29
  Step
• 4:29
  number
• 4:29
  one,
• 4:30
  you've
• 4:30
  got
• 4:30
  to
• 4:31
  list
• 4:31
  those
• 4:31
  expenses
• 4:32
  that
• 4:32
  always
• 4:32
  sneak
• 4:32
  up.
• 4:33
  See,
• 4:33
  they're
• 4:33
  not
• 4:34
  really
• 4:34
  sneaking
• 4:34
  up.
• 4:34
  You
• 4:35
  just
• 4:35
  forgot
• 4:35
  about
• 4:35
  them.
• 4:36
  Best
• 4:36
  way
• 4:36
  to
• 4:37
  do
• 4:37
  that
• 4:37
  is
• 4:37
  pull
• 4:37
  up
• 4:37
  last
• 4:38
  year's
• 4:38
  January
• 4:38
  statements
• 4:39
  and
• 4:39
  highlight
• 4:40
  anything
• 4:40
  that
• 4:40
  repeats.
• 4:41
  You're
• 4:42
  looking
• 4:42
  for
• 4:42
  those
• 4:42
  insurance
• 4:43
  renewals.
• 4:44
  Maybe
• 4:44
  you
• 4:44
  live
• 4:44
  in
• 4:44
  a
• 4:44
  place
• 4:45
  where
• 4:45
  it
• 4:45
  gets
• 4:45
  colder
• 4:45
  this
• 4:46
  time
• 4:46
  of
• 4:46
  year.
• 4:46
  It's
• 4:46
  getting
• 4:46
  colder
• 4:47
  in
• 4:47
  Delaware.
• 4:47
  Maybe
• 4:48
  your
• 4:48
  heating
• 4:48
  costs
• 4:49
  are
• 4:49
  going
• 4:49
  to
• 4:49
  go
• 4:49
  up.
• 4:49
  Hey,
• 4:50
  maybe
• 4:50
  in
• 4:50
  January
• 4:51
  it's
• 4:51
  a
• 4:51
  time
• 4:51
  to
• 4:51
  collect
• 4:52
  all
• 4:52
  those
• 4:52
  school
• 4:52
  fees.
• 4:53
  Those
• 4:53
  are
• 4:53
  things
• 4:54
  you
• 4:54
  got
• 4:54
  to
• 4:54
  be
• 4:54
  watching
• 4:54
  out
• 4:55
  for.
• 4:55
  Maybe
• 4:56
  you've
• 4:56
  got
• 4:56
  some
• 4:56
  memberships
• 4:57
  to
• 4:57
  renew
• 4:57
  every
• 4:58
  January.
• 4:58
  And
• 4:59
  for
• 4:59
  some
• 4:59
  people,
• 5:00
  it's
• 5:00
  those
• 5:00
  property
• 5:01
  taxes.
• 5:02
  And
• 5:02
  when
• 5:02
  you
• 5:03
  sit
• 5:03
  and
• 5:03
  see
• 5:04
  it
• 5:04
  written
• 5:04
  down,
• 5:05
  your
• 5:05
  anxiety
• 5:06
  drops
• 5:06
  because
• 5:07
  you
• 5:07
  know
• 5:07
  exactly
• 5:07
  what's
• 5:08
  coming
• 5:08
  and.
• 5:08
  And
• 5:08
  it
• 5:09
  helps
• 5:09
  you
• 5:09
  get
• 5:09
  ahead
• 5:09
  of
• 5:09
  it.
• 5:09
  So
• 5:09
  that's
• 5:10
  the
• 5:10
  first
• 5:10
  thing.
• 5:10
  Second
• 5:10
  thing,
• 5:11
  and
• 5:11
  this
• 5:12
  one
• 5:12
  is
• 5:12
  some
• 5:12
  sage
• 5:13
  advice.
• 5:14
  Pre
• 5:14
  fund
• 5:14
  the
• 5:15
  big
• 5:15
  three
• 5:15
  expenses.
• 5:16
  I
• 5:16
  want
• 5:16
  you
• 5:16
  to
• 5:16
  go
• 5:16
  pick
• 5:17
  the
• 5:17
  three
• 5:17
  biggest
• 5:18
  January
• 5:18
  expenses
• 5:19
  and
• 5:20
  then
• 5:20
  start
• 5:20
  putting
• 5:20
  something
• 5:21
  towards
• 5:21
  them.
• 5:21
  Maybe
• 5:21
  it's
• 5:22
  20
• 5:22
  bucks
• 5:22
  or
• 5:22
  50
• 5:23
  bucks.
• 5:23
  Hey,
• 5:23
  just
• 5:23
  a
• 5:23
  small
• 5:24
  weekly
• 5:24
  amount
• 5:25
  can
• 5:25
  make
• 5:25
  a
• 5:25
  huge
• 5:26
  difference.
• 5:26
  It
• 5:27
  doesn't
• 5:27
  have
• 5:27
  to
• 5:27
  be
• 5:27
  perfect.
• 5:28
  You
• 5:28
  just
• 5:29
  need
• 5:29
  to
• 5:29
  reduce
• 5:29
  the
• 5:29
  hit
• 5:30
  some,
• 5:30
  because
• 5:30
  a
• 5:30
  little
• 5:31
  bit
• 5:31
  of
• 5:31
  prep
• 5:31
  creates
• 5:32
  a
• 5:32
  lot
• 5:32
  of
• 5:32
  relief.
• 5:33
  Here's
• 5:33
  my
• 5:33
  third
• 5:33
  step
• 5:34
  shift
• 5:35
  A
• 5:35
  couple
• 5:35
  of
• 5:35
  December
• 5:35
  wants
• 5:36
  into
• 5:36
  February.
• 5:36
  Now,
• 5:37
  this
• 5:37
  might
• 5:37
  sound
• 5:37
  like
• 5:37
  you're
• 5:37
  putting
• 5:38
  things
• 5:38
  off.
• 5:39
  This
• 5:39
  isn't
• 5:39
  about
• 5:39
  cutting
• 5:40
  everything.
• 5:40
  It's
• 5:41
  about
• 5:41
  adjusting
• 5:42
  the
• 5:42
  timing.
• 5:42
  Because
• 5:42
  most
• 5:43
  of
• 5:43
  the
• 5:43
  time,
• 5:43
  timing's
• 5:44
  the
• 5:44
  issue.
• 5:44
  You
• 5:45
  just
• 5:45
  move
• 5:45
  one
• 5:45
  or
• 5:45
  two
• 5:46
  lower
• 5:46
  priority
• 5:46
  December
• 5:47
  purchases
• 5:48
  into
• 5:48
  February,
• 5:49
  you're
• 5:49
  not
• 5:49
  losing
• 5:50
  anything.
• 5:50
  You're
• 5:51
  simply
• 5:51
  choosing
• 5:52
  peace.
• 5:52
  And
• 5:52
  hey,
• 5:52
  you
• 5:52
  can
• 5:53
  choose
• 5:53
  peace.
• 5:54
  A
• 5:54
  small
• 5:55
  December
• 5:55
  shift
• 5:56
  creates
• 5:56
  a
• 5:56
  much
• 5:57
  calmer
• 5:57
  January.
• 5:58
  And
• 5:58
  finally
• 5:59
  let
• 6:00
  the
• 6:00
  plan
• 6:00
  set
• 6:00
  the
• 6:00
  tone
• 6:01
  for
• 6:01
  the
• 6:01
  year.
• 6:02
  Once
• 6:02
  you've
• 6:02
  done
• 6:02
  these
• 6:02
  things,
• 6:03
  you'll
• 6:03
  have
• 6:03
  something
• 6:04
  powerful.
• 6:04
  You'll
• 6:05
  have
• 6:05
  clarity,
• 6:06
  you'll
• 6:06
  have
• 6:06
  confidence.
• 6:07
  Hey,
• 6:07
  you'll
• 6:07
  have
• 6:07
  momentum
• 6:08
  and
• 6:08
  a
• 6:09
  calmer
• 6:09
  start
• 6:09
  to
• 6:10
  the
• 6:10
  new
• 6:10
  year.
• 6:10
  And
• 6:10
  hey,
• 6:10
  that
• 6:10
  can
• 6:11
  dictate
• 6:11
  all
• 6:11
  year
• 6:12
  long
• 6:12
  because
• 6:13
  small
• 6:13
  intentional
• 6:14
  steps
• 6:14
  now
• 6:15
  create
• 6:15
  a
• 6:15
  completely
• 6:16
  different
• 6:16
  mindset
• 6:17
  later.
• 6:18
  And
• 6:18
  here's
• 6:18
  why
• 6:18
  this
• 6:18
  matters
• 6:19
  spiritually.
• 6:19
  See,
• 6:20
  this
• 6:20
  isn't
• 6:20
  just
• 6:20
  practical,
• 6:21
  it's
• 6:21
  biblical.
• 6:22
  Look
• 6:22
  at
• 6:23
  Proverbs
• 6:23
  21:5.
• 6:24
  It
• 6:24
  tells
• 6:24
  us
• 6:24
  this.
• 6:25
  The
• 6:25
  plans
• 6:25
  of
• 6:26
  the
• 6:26
  diligent
• 6:26
  lead
• 6:26
  to
• 6:27
  profit.
• 6:28
  Planning
• 6:28
  isn't
• 6:29
  fear.
• 6:30
  Planning
• 6:30
  is
• 6:30
  stewardship.
• 6:31
  That's
• 6:31
  what
• 6:31
  we're
• 6:31
  called
• 6:32
  to
• 6:32
  do.
• 6:32
  And
• 6:33
  planning
• 6:33
  is
• 6:33
  wisdom
• 6:34
  and
• 6:35
  allows
• 6:35
  you
• 6:35
  to
• 6:35
  walk
• 6:35
  in
• 6:35
  a
• 6:36
  new
• 6:36
  year
• 6:36
  with
• 6:36
  a
• 6:36
  clearer
• 6:37
  mind
• 6:37
  and
• 6:37
  a
• 6:37
  more
• 6:38
  peaceful
• 6:38
  heart.
• 6:38
  Well,
• 6:39
  how
• 6:39
  about
• 6:39
  we
• 6:39
  pray
• 6:39
  together,
• 6:40
  Lord,
• 6:40
  as
• 6:41
  we
• 6:41
  come
• 6:41
  together
• 6:41
  right
• 6:41
  now,
• 6:42
  Help
• 6:42
  me
• 6:42
  to
• 6:42
  prepare
• 6:43
  wisely.
• 6:43
  Give
• 6:44
  me
• 6:44
  clarity
• 6:44
  as
• 6:44
  I
• 6:45
  look
• 6:45
  at
• 6:45
  my
• 6:45
  expenses,
• 6:46
  Lord,
• 6:46
  and
• 6:46
  give
• 6:46
  me
• 6:46
  peace
• 6:47
  as
• 6:47
  I
• 6:47
  take
• 6:47
  these
• 6:48
  steps.
• 6:48
  And
• 6:49
  help
• 6:49
  me
• 6:49
  enter
• 6:49
  the
• 6:49
  new
• 6:49
  year
• 6:50
  steady
• 6:50
  and
• 6:50
  confident
• 6:51
  in
• 6:51
  you.
• 6:52
  And
• 6:52
  I
• 6:52
  ask
• 6:52
  this
• 6:52
  in
• 6:52
  the
• 6:53
  name
• 6:53
  of
• 6:53
  Jesus,
• 6:54
  Amen.
• 6:54
  Okay,
• 6:55
  so
• 6:55
  here's
• 6:55
  your
• 6:55
  one
• 6:55
  action
• 6:56
  step
• 6:56
  for
• 6:56
  today.
• 6:57
  Very
• 6:57
  simple.
• 6:58
  I
• 6:58
  want
• 6:58
  you
• 6:58
  to
• 6:58
  list
• 6:59
  the
• 6:59
  expenses
• 6:59
  that
• 7:00
  you
• 7:00
  know
• 7:00
  are
• 7:00
  coming.
• 7:00
  You
• 7:00
  can
• 7:01
  see
• 7:01
  them
• 7:01
  on
• 7:01
  the
• 7:01
  horizon.
• 7:02
  Go
• 7:02
  list
• 7:03
  those.
• 7:03
  Then
• 7:04
  go
• 7:04
  back
• 7:04
  and
• 7:04
  circle
• 7:05
  the
• 7:05
  biggest
• 7:05
  three.
• 7:06
  And
• 7:06
  then
• 7:06
  decide
• 7:06
  what
• 7:07
  you
• 7:07
  can
• 7:07
  pre
• 7:07
  fund
• 7:07
  this
• 7:08
  very
• 7:08
  week
• 7:08
  and
• 7:09
  make
• 7:09
  one
• 7:09
  small
• 7:09
  December
• 7:10
  adjustment.
• 7:11
  Even
• 7:11
  one
• 7:12
  step
• 7:12
  can
• 7:12
  reduce
• 7:13
  your
• 7:13
  stress
• 7:13
  immediately.
• 7:14
  And
• 7:14
  hey,
• 7:14
  then
• 7:14
  you
• 7:14
  go
• 7:14
  into
• 7:14
  the
• 7:15
  new
• 7:15
  year
• 7:15
  not
• 7:16
  feeling
• 7:16
  overwhelmed.
• 7:17
  And
• 7:17
  if
• 7:17
  you
• 7:17
  want
• 7:18
  more
• 7:18
  support,
• 7:18
  if
• 7:18
  you
• 7:18
  want
• 7:19
  more
• 7:19
  encouragement
• 7:19
  and
• 7:20
  a
• 7:20
  community
• 7:20
  of
• 7:20
  people
• 7:20
  taking
• 7:21
  these
• 7:21
  same
• 7:21
  steps,
• 7:21
  I
• 7:22
  want
• 7:22
  to
• 7:22
  encourage
• 7:22
  you
• 7:22
  right
• 7:22
  now,
• 7:23
  come
• 7:23
  and
• 7:23
  join
• 7:24
  our
• 7:24
  community.
• 7:24
  You
• 7:25
  get
• 7:25
  to
• 7:25
  that
• 7:25
  by
• 7:25
  going
• 7:25
  to
• 7:26
  financiallyconfidentchristian.com/join
• 7:29
  again.
• 7:30
  That's
• 7:30
  financiallyconfidentchristian.com/join
• 7:33
  because
• 7:33
  we'd
• 7:34
  love
• 7:34
  to
• 7:34
  walk
• 7:34
  with
• 7:34
  you,
• 7:35
  friend.
• 7:36
  You
• 7:36
  don't
• 7:36
  have
• 7:36
  to
• 7:36
  fear.
• 7:36
  This
• 7:37
  January,
• 7:38
  you
• 7:38
  can
• 7:38
  prepare,
• 7:39
  you
• 7:39
  can
• 7:39
  get
• 7:40
  ahead
• 7:40
  of
• 7:40
  it,
• 7:40
  and
• 7:41
  you
• 7:41
  can
• 7:41
  walk
• 7:41
  into
• 7:41
  the
• 7:41
  new
• 7:42
  year
• 7:42
  with
• 7:42
  confidence
• 7:43
  and
• 7:43
  calm.
• 7:44
  Remember,
• 7:45
  this
• 7:45
  prep
• 7:46
  brings
• 7:46
  peace.
• 7:47
  And
• 7:47
  you
• 7:47
  can
• 7:48
  absolutely
• 7:48
  do
• 7:48
  this.
• 7:48
  I
• 7:49
  have
• 7:49
  confidence
• 7:49
  in
• 7:49
  you.
• 7:50
  So
• 7:50
  stay
• 7:50
  financially
• 7:51
  savvy.
• 7:51
  God
• 7:52
  bless
• 7:52
  you.
• 7:52
  And
• 7:52
  I'll
• 7:53
  see
• 7:53
  you
• 7:53
  again
• 7:53
  on
• 7:53
  tomorrow's
• 7:54
  show.