Latest / Becoming Financially Confident / Why Do Budgets Keep Failing — Even When You Try So Hard

Transcript

Why Do Budgets Keep Failing — Even When You Try So Hard · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  built
• 0:38
  a
• 0:38
  budget
• 0:38
  with
• 0:39
  real
• 0:39
  hope
• 0:39
  this
• 0:39
  time?
• 0:40
  And
• 0:40
  then
• 0:41
  weeks
• 0:41
  later,
• 0:41
  you're
• 0:42
  standing
• 0:42
  in
• 0:42
  the
• 0:42
  kitchen
• 0:43
  and
• 0:43
  you're
• 0:43
  doing
• 0:43
  some
• 0:44
  mental
• 0:44
  math,
• 0:45
  or
• 0:45
  you're
• 0:45
  at
• 0:45
  the
• 0:46
  store
• 0:46
  watching
• 0:46
  the
• 0:46
  total
• 0:47
  climb,
• 0:47
  or
• 0:47
  you
• 0:48
  get
• 0:48
  that
• 0:48
  little
• 0:48
  bank
• 0:48
  alert
• 0:49
  and
• 0:49
  your
• 0:49
  stomach
• 0:50
  just
• 0:50
  drops
• 0:51
  and
• 0:51
  you
• 0:52
  start
• 0:52
  to
• 0:52
  think,
• 0:53
  why
• 0:53
  does
• 0:53
  this
• 0:53
  keep
• 0:54
  happening
• 0:54
  to
• 0:54
  me?
• 0:55
  Can
• 0:55
  I
• 0:55
  make
• 0:55
  a
• 0:56
  budget
• 0:56
  work?
• 0:57
  Am
• 0:57
  I
• 0:57
  just
• 0:58
  bad
• 0:58
  at
• 0:58
  this?
• 0:59
  Well,
• 0:59
  friend,
• 1:00
  the
• 1:00
  first
• 1:00
  thing
• 1:00
  I
• 1:00
  want
• 1:00
  you
• 1:00
  to
• 1:01
  do
• 1:01
  is
• 1:01
  take
• 1:01
  a
• 1:01
  breath.
• 1:02
  First
• 1:02
  of
• 1:02
  all,
• 1:02
  you're
• 1:03
  not
• 1:03
  bad
• 1:03
  with
• 1:03
  money,
• 1:04
  and
• 1:04
  you're
• 1:04
  not
• 1:05
  failing
• 1:05
  at
• 1:05
  faith.
• 1:06
  There's
• 1:06
  a
• 1:07
  reason
• 1:07
  this
• 1:07
  feels
• 1:07
  so
• 1:08
  hard.
• 1:08
  And
• 1:08
  today,
• 1:09
  we're
• 1:09
  going
• 1:09
  to
• 1:09
  uncover
• 1:09
  it
• 1:10
  together.
• 1:32
  Hey,
• 1:32
  friend.
• 1:32
  Ralph
• 1:32
  Estep
• 1:33
  Jr.
• 1:33
  Here.
• 1:34
  Welcome
• 1:34
  to
• 1:34
  Financially
• 1:35
  Confident
• 1:35
  Christian,
• 1:36
  where
• 1:36
  we
• 1:36
  learn
• 1:36
  how
• 1:36
  to
• 1:37
  walk
• 1:37
  through
• 1:37
  life
• 1:37
  and
• 1:37
  money
• 1:38
  with
• 1:38
  wisdom,
• 1:39
  with
• 1:39
  peace,
• 1:40
  and
• 1:40
  with
• 1:40
  a
• 1:40
  heart
• 1:40
  anchored
• 1:41
  in
• 1:41
  God's
• 1:41
  truth.
• 1:42
  My
• 1:42
  mission
• 1:43
  is
• 1:43
  simple.
• 1:43
  To
• 1:44
  help
• 1:44
  you
• 1:44
  break
• 1:44
  that
• 1:44
  cycle
• 1:45
  of
• 1:45
  financial
• 1:45
  shame,
• 1:46
  build
• 1:46
  steady
• 1:47
  habits
• 1:47
  rooted
• 1:48
  in
• 1:48
  faith,
• 1:48
  and
• 1:49
  become
• 1:49
  the
• 1:49
  kind
• 1:49
  of
• 1:49
  believer
• 1:50
  who
• 1:50
  handles
• 1:50
  money
• 1:51
  with
• 1:51
  clarity,
• 1:52
  with
• 1:52
  confidence,
• 1:53
  and
• 1:53
  with
• 1:53
  spiritual
• 1:54
  purpose.
• 1:55
  Yesterday
• 1:56
  we
• 1:56
  talked
• 1:56
  about
• 1:57
  adjusting
• 1:57
  those
• 1:57
  budgets
• 1:58
  with
• 1:58
  wisdom
• 1:59
  and
• 1:59
  how
• 1:59
  changing
• 2:00
  a
• 2:00
  plan
• 2:00
  doesn't
• 2:01
  mean
• 2:01
  you
• 2:01
  failed.
• 2:02
  Well,
• 2:02
  today
• 2:03
  we
• 2:03
  take
• 2:03
  the
• 2:03
  next
• 2:03
  step.
• 2:04
  We're
• 2:04
  going
• 2:04
  to
• 2:04
  look
• 2:05
  at
• 2:05
  why
• 2:05
  budgets
• 2:05
  break
• 2:06
  down,
• 2:06
  even
• 2:06
  for
• 2:06
  people
• 2:07
  who
• 2:07
  are
• 2:07
  trying
• 2:07
  hard
• 2:08
  and
• 2:08
  praying
• 2:09
  earnestly.
• 2:10
  And
• 2:10
  we're
• 2:10
  not
• 2:10
  doing
• 2:10
  that
• 2:11
  to
• 2:11
  criticize
• 2:11
  you,
• 2:11
  and
• 2:12
  we're
• 2:12
  definitely
• 2:12
  not
• 2:12
  doing
• 2:12
  it
• 2:13
  to
• 2:13
  overwhelm
• 2:13
  you,
• 2:13
  but
• 2:14
  to
• 2:14
  gently
• 2:14
  remove
• 2:15
  those
• 2:15
  obstacles
• 2:16
  that
• 2:16
  keep
• 2:16
  tripping
• 2:17
  you
• 2:17
  up.
• 2:18
  A
• 2:18
  listener
• 2:18
  shared
• 2:19
  this
• 2:19
  with
• 2:19
  me,
• 2:20
  Ralph,
• 2:20
  I've
• 2:21
  made
• 2:21
  budgets
• 2:21
  more
• 2:22
  times
• 2:22
  than
• 2:22
  I
• 2:22
  can
• 2:23
  count.
• 2:23
  I
• 2:24
  want
• 2:24
  to
• 2:24
  be
• 2:24
  faithful.
• 2:25
  I
• 2:25
  want
• 2:25
  to
• 2:25
  be
• 2:26
  disciplined.
• 2:27
  But
• 2:27
  somehow,
• 2:27
  Ralph,
• 2:28
  I
• 2:28
  always
• 2:28
  end
• 2:29
  up
• 2:29
  frustrated.
• 2:30
  What
• 2:30
  am
• 2:30
  I
• 2:31
  missing?
• 2:32
  And,
• 2:32
  friend,
• 2:32
  that
• 2:33
  question
• 2:33
  carries
• 2:33
  a
• 2:34
  lot
• 2:34
  of
• 2:34
  quiet
• 2:34
  pain,
• 2:35
  because
• 2:36
  under
• 2:36
  those
• 2:36
  words
• 2:37
  is
• 2:37
  something
• 2:37
  like
• 2:38
  this.
• 2:39
  I
• 2:39
  feel
• 2:39
  embarrassed.
• 2:40
  I
• 2:40
  can't
• 2:40
  stick
• 2:41
  with
• 2:41
  this.
• 2:42
  I
• 2:42
  feel
• 2:43
  like
• 2:43
  everyone
• 2:43
  else
• 2:44
  has
• 2:44
  figured
• 2:44
  this
• 2:44
  out.
• 2:45
  I'm
• 2:45
  just
• 2:45
  tired
• 2:45
  of
• 2:46
  starting
• 2:46
  over.
• 2:47
  So
• 2:47
  let
• 2:48
  me
• 2:48
  say
• 2:48
  this
• 2:48
  gently.
• 2:49
  Struggling
• 2:50
  with
• 2:50
  a
• 2:50
  budget
• 2:50
  does
• 2:51
  not
• 2:51
  mean
• 2:51
  you
• 2:51
  lack
• 2:52
  discipline.
• 2:53
  Most
• 2:53
  of
• 2:53
  the
• 2:53
  time.
• 2:53
  It
• 2:54
  just
• 2:54
  means
• 2:54
  you
• 2:54
  were
• 2:54
  handed
• 2:55
  a
• 2:55
  system
• 2:55
  that
• 2:55
  wasn't
• 2:56
  designed
• 2:56
  for
• 2:56
  real
• 2:57
  life.
• 2:58
  And
• 2:58
  God
• 2:59
  is
• 2:59
  not
• 2:59
  disappointed
• 3:00
  in
• 3:00
  you.
• 3:01
  A
• 3:01
  budget
• 3:01
  is
• 3:02
  not
• 3:02
  a
• 3:02
  holiness
• 3:02
  test.
• 3:03
  It's
• 3:03
  actually
• 3:03
  a
• 3:04
  tool.
• 3:04
  And
• 3:04
  here's
• 3:05
  the
• 3:05
  best
• 3:05
  part
• 3:05
  about
• 3:05
  tools.
• 3:06
  Tools
• 3:06
  can
• 3:07
  be
• 3:07
  fixed.
• 3:08
  And
• 3:08
  here's
• 3:08
  what
• 3:08
  I
• 3:09
  see
• 3:09
  all
• 3:09
  the
• 3:09
  time.
• 3:10
  People
• 3:10
  don't
• 3:11
  quit
• 3:11
  budgeting
• 3:11
  because
• 3:11
  they
• 3:12
  don't
• 3:12
  care.
• 3:13
  They
• 3:13
  quit
• 3:13
  because
• 3:14
  the
• 3:14
  budget
• 3:14
  feels
• 3:14
  like
• 3:15
  a
• 3:15
  cage.
• 3:15
  It's
• 3:15
  just
• 3:15
  too
• 3:16
  tight.
• 3:16
  It's
• 3:16
  too,
• 3:17
  too
• 3:17
  complicated
• 3:17
  and
• 3:18
  too
• 3:18
  detached
• 3:18
  from
• 3:19
  the
• 3:19
  week
• 3:19
  they
• 3:19
  actually
• 3:19
  live
• 3:20
  in.
• 3:21
  And
• 3:21
  that's
• 3:21
  not
• 3:21
  a
• 3:21
  hard
• 3:22
  problem.
• 3:22
  That's
• 3:23
  a
• 3:23
  structure
• 3:23
  problem.
• 3:24
  And
• 3:25
  structure
• 3:25
  can
• 3:25
  Change.
• 3:27
  After
• 3:27
  walking
• 3:27
  with
• 3:27
  people
• 3:28
  through
• 3:28
  money
• 3:28
  decisions
• 3:29
  for
• 3:29
  many
• 3:29
  years,
• 3:29
  too
• 3:30
  many
• 3:30
  years
• 3:30
  to
• 3:30
  list.
• 3:31
  Notice,
• 3:32
  most
• 3:32
  financial
• 3:32
  stress
• 3:33
  doesn't
• 3:34
  come
• 3:34
  from
• 3:34
  one
• 3:34
  huge
• 3:35
  mistake.
• 3:36
  It
• 3:36
  comes
• 3:36
  from
• 3:37
  a
• 3:37
  handful
• 3:37
  of
• 3:38
  small
• 3:38
  traps
• 3:39
  that
• 3:39
  quietly
• 3:39
  wear
• 3:40
  you
• 3:40
  down
• 3:40
  over
• 3:40
  time.
• 3:41
  And
• 3:41
  when
• 3:42
  we
• 3:42
  name
• 3:42
  those
• 3:42
  traps,
• 3:43
  we
• 3:43
  name
• 3:44
  them
• 3:44
  with
• 3:44
  grace
• 3:44
  and
• 3:44
  not
• 3:45
  guilt.
• 3:46
  Everything
• 3:46
  starts
• 3:46
  to
• 3:47
  feel
• 3:47
  lighter.
• 3:48
  I
• 3:48
  remember
• 3:48
  working
• 3:49
  with
• 3:49
  a
• 3:49
  single
• 3:49
  mom.
• 3:50
  She
• 3:50
  said
• 3:51
  to
• 3:51
  me,
• 3:51
  ralph,
• 3:51
  my
• 3:51
  budget
• 3:52
  just
• 3:52
  mocks
• 3:53
  me.
• 3:54
  On
• 3:54
  paper,
• 3:54
  it
• 3:54
  worked
• 3:55
  perfectly.
• 3:56
  But
• 3:56
  in
• 3:56
  real
• 3:56
  life,
• 3:57
  it
• 3:57
  never
• 3:58
  survived
• 3:58
  the
• 3:58
  month.
• 3:59
  And
• 3:59
  when
• 4:00
  we
• 4:00
  looked
• 4:00
  at
• 4:00
  it,
• 4:00
  we
• 4:00
  didn't
• 4:00
  find
• 4:01
  one
• 4:01
  massive
• 4:01
  error.
• 4:02
  We
• 4:03
  found
• 4:03
  five
• 4:03
  small
• 4:04
  ones.
• 4:05
  So
• 4:05
  with
• 4:05
  her,
• 4:05
  we
• 4:05
  simplified
• 4:06
  things.
• 4:06
  We
• 4:06
  started
• 4:07
  tracking
• 4:07
  honestly.
• 4:08
  We
• 4:08
  adjusted
• 4:09
  her
• 4:09
  numbers,
• 4:09
  we
• 4:10
  plugged
• 4:10
  a
• 4:10
  few
• 4:10
  leaks
• 4:11
  and
• 4:11
  stop
• 4:11
  quitting
• 4:12
  after
• 4:12
  one
• 4:12
  rough
• 4:13
  week.
• 4:13
  And
• 4:14
  she
• 4:14
  said
• 4:14
  something
• 4:14
  to
• 4:14
  me
• 4:15
  I
• 4:15
  will
• 4:15
  never
• 4:15
  forget.
• 4:17
  For
• 4:17
  the
• 4:17
  first
• 4:17
  time,
• 4:18
  I
• 4:18
  don't
• 4:18
  feel
• 4:18
  like
• 4:18
  a
• 4:19
  failure.
• 4:19
  Ralph
• 4:21
  Friend.
• 4:21
  That's
• 4:21
  the
• 4:21
  goal.
• 4:22
  Not
• 4:22
  just
• 4:22
  a
• 4:23
  working
• 4:23
  budget,
• 4:23
  but
• 4:24
  a
• 4:24
  lighter
• 4:24
  heart.
• 4:26
  So
• 4:26
  here's
• 4:26
  today's
• 4:27
  gentle
• 4:27
  question.
• 4:28
  What
• 4:28
  if
• 4:28
  your
• 4:29
  budget
• 4:29
  isn't
• 4:29
  broken,
• 4:30
  it's
• 4:30
  just
• 4:30
  caught
• 4:31
  in
• 4:31
  a
• 4:31
  few
• 4:31
  common
• 4:32
  traps?
• 4:33
  Let's
• 4:33
  walk
• 4:33
  through
• 4:33
  those
• 4:34
  common
• 4:34
  traps
• 4:35
  slowly
• 4:35
  and
• 4:35
  practically
• 4:36
  together
• 4:36
  today.
• 4:37
  Trap
• 4:37
  number
• 4:38
  one,
• 4:39
  the
• 4:39
  budget's
• 4:39
  too
• 4:40
  complicated.
• 4:40
  I
• 4:40
  see
• 4:40
  this
• 4:41
  all
• 4:41
  the
• 4:41
  time.
• 4:42
  Budgets
• 4:42
  don't
• 4:42
  fail
• 4:43
  because
• 4:43
  they're
• 4:43
  too
• 4:43
  simple.
• 4:44
  They
• 4:44
  fail
• 4:44
  because
• 4:44
  they're
• 4:45
  actually
• 4:45
  too
• 4:45
  complex.
• 4:46
  If
• 4:47
  your
• 4:47
  budget
• 4:47
  has
• 4:47
  dozens
• 4:48
  of
• 4:48
  categories,
• 4:49
  a
• 4:49
  spreadsheet
• 4:50
  you
• 4:50
  dread
• 4:50
  opening,
• 4:51
  or
• 4:51
  an
• 4:51
  app
• 4:51
  that
• 4:51
  feels
• 4:52
  like
• 4:52
  homework,
• 4:52
  guess
• 4:52
  what?
• 4:53
  Your
• 4:53
  brain's
• 4:53
  going
• 4:53
  to
• 4:54
  avoid
• 4:54
  it
• 4:54
  and
• 4:54
  you're
• 4:54
  not
• 4:54
  going
• 4:55
  to
• 4:55
  do
• 4:55
  it.
• 4:55
  You
• 4:56
  need
• 4:56
  those
• 4:56
  simple
• 4:56
  wins.
• 4:57
  I'm
• 4:57
  going
• 4:57
  to
• 4:57
  tell
• 4:57
  you
• 4:57
  to
• 4:57
  try
• 4:58
  this
• 4:58
  group
• 4:59
  categories.
• 4:59
  Instead
• 5:00
  of
• 5:00
  six
• 5:00
  food
• 5:01
  categories,
• 5:01
  just
• 5:02
  use
• 5:02
  one.
• 5:03
  Instead
• 5:03
  of
• 5:03
  10
• 5:04
  life
• 5:04
  categories,
• 5:05
  use
• 5:05
  the
• 5:05
  word
• 5:06
  household.
• 5:07
  A
• 5:07
  budget
• 5:08
  you'll
• 5:08
  use
• 5:08
  beats
• 5:09
  a
• 5:09
  perfect
• 5:09
  one
• 5:09
  every
• 5:10
  time.
• 5:11
  Here's
• 5:11
  the
• 5:11
  second
• 5:11
  thing.
• 5:12
  You
• 5:13
  budget,
• 5:13
  but
• 5:13
  you
• 5:13
  don't
• 5:14
  track.
• 5:14
  I
• 5:14
  see
• 5:14
  this
• 5:14
  as
• 5:15
  the
• 5:15
  biggest
• 5:15
  pitfall
• 5:15
  of
• 5:16
  most
• 5:16
  people.
• 5:17
  A
• 5:17
  budget
• 5:18
  you
• 5:18
  don't
• 5:18
  track
• 5:18
  can't
• 5:19
  guide
• 5:19
  you.
• 5:20
  And
• 5:20
  tracking
• 5:20
  isn't
• 5:20
  about
• 5:21
  catching
• 5:21
  mistakes.
• 5:22
  It's
• 5:22
  actually
• 5:22
  about
• 5:22
  telling
• 5:23
  the
• 5:23
  truth,
• 5:23
  but
• 5:23
  doing
• 5:23
  it
• 5:24
  kindly.
• 5:24
  I
• 5:25
  encourage
• 5:25
  you
• 5:25
  to
• 5:25
  try
• 5:25
  this.
• 5:26
  Choose
• 5:26
  one
• 5:26
  method.
• 5:27
  Maybe
• 5:27
  for
• 5:27
  you,
• 5:27
  it's
• 5:28
  a
• 5:28
  notebook.
• 5:28
  It
• 5:28
  maybe
• 5:29
  you
• 5:29
  write
• 5:29
  everything
• 5:29
  down
• 5:29
  in
• 5:30
  a
• 5:30
  notebook.
• 5:30
  Or
• 5:30
  maybe
• 5:31
  you
• 5:31
  use
• 5:31
  an
• 5:31
  app.
• 5:31
  You
• 5:32
  found
• 5:32
  an
• 5:32
  app
• 5:32
  you
• 5:32
  really
• 5:32
  like.
• 5:33
  Or
• 5:33
  hey,
• 5:33
  how
• 5:34
  about
• 5:34
  this?
• 5:34
  Turn
• 5:35
  on
• 5:35
  those
• 5:35
  bank
• 5:35
  alerts
• 5:36
  and
• 5:37
  just
• 5:37
  do
• 5:37
  a
• 5:37
  10
• 5:37
  minute
• 5:37
  check
• 5:38
  in
• 5:38
  once
• 5:38
  a
• 5:38
  week.
• 5:39
  If
• 5:39
  you
• 5:39
  do
• 5:39
  it
• 5:39
  daily,
• 5:40
  you're
• 5:40
  not
• 5:40
  going
• 5:40
  to
• 5:40
  do
• 5:40
  it.
• 5:41
  If
• 5:41
  you
• 5:41
  do
• 5:41
  it
• 5:41
  weekly,
• 5:42
  guess
• 5:42
  what?
• 5:42
  That's
• 5:42
  sustainable.
• 5:44
  Here's
• 5:44
  another
• 5:44
  thing
• 5:44
  to
• 5:45
  consider.
• 5:46
  Your
• 5:46
  numbers
• 5:46
  are
• 5:47
  based
• 5:47
  on
• 5:47
  hope,
• 5:47
  not
• 5:48
  history.
• 5:49
  What
• 5:49
  I
• 5:49
  have
• 5:49
  found
• 5:50
  is
• 5:50
  many
• 5:50
  budgets
• 5:51
  fail
• 5:51
  because
• 5:51
  they're
• 5:51
  built
• 5:51
  on
• 5:52
  this
• 5:52
  ideal
• 5:53
  month.
• 5:53
  Well,
• 5:53
  guess
• 5:53
  what?
• 5:54
  Nobody
• 5:54
  lives
• 5:54
  in
• 5:55
  an
• 5:55
  ideal
• 5:55
  month.
• 5:56
  We're
• 5:57
  going
• 5:57
  to
• 5:57
  believe
• 5:57
  that
• 5:57
  this
• 5:58
  lie,
• 5:58
  that
• 5:58
  this
• 5:58
  month
• 5:58
  we're
• 5:59
  not
• 5:59
  going
• 5:59
  to
• 5:59
  overspend
• 6:00
  or
• 6:00
  this
• 6:00
  month
• 6:00
  nothing's
• 6:01
  going
• 6:01
  to
• 6:01
  come
• 6:01
  up.
• 6:02
  But
• 6:02
  you
• 6:03
  and
• 6:03
  I
• 6:03
  both
• 6:03
  know
• 6:03
  that's
• 6:04
  not
• 6:04
  real
• 6:04
  life.
• 6:05
  God
• 6:05
  works
• 6:06
  with
• 6:06
  true.
• 6:06
  Try
• 6:06
  this.
• 6:07
  Look
• 6:07
  back
• 6:08
  60,
• 6:08
  90,
• 6:09
  maybe
• 6:09
  even
• 6:09
  120
• 6:10
  days
• 6:11
  and
• 6:11
  ask
• 6:12
  yourself
• 6:12
  this.
• 6:12
  What
• 6:13
  did
• 6:13
  groceries
• 6:13
  really
• 6:14
  cost?
• 6:14
  What
• 6:14
  did
• 6:15
  we
• 6:15
  really
• 6:15
  spend?
• 6:15
  How
• 6:16
  much
• 6:16
  was
• 6:16
  gas?
• 6:17
  How
• 6:17
  much
• 6:17
  did
• 6:17
  we
• 6:17
  spend
• 6:18
  eating
• 6:18
  out?
• 6:18
  What
• 6:19
  were
• 6:19
  those
• 6:19
  real
• 6:19
  kids
• 6:20
  expenses?
• 6:21
  Because
• 6:21
  those
• 6:22
  grace
• 6:22
  filled
• 6:22
  budgets
• 6:23
  and
• 6:23
  actually
• 6:23
  match
• 6:24
  real
• 6:24
  life.
• 6:24
  And
• 6:24
  you're
• 6:25
  going
• 6:25
  to
• 6:25
  stay
• 6:25
  on
• 6:25
  them.
• 6:26
  Here's
• 6:26
  another
• 6:26
  thing
• 6:27
  to
• 6:27
  remember.
• 6:28
  The
• 6:28
  small
• 6:28
  leaks
• 6:29
  are
• 6:29
  quietly
• 6:30
  winning.
• 6:31
  It's
• 6:31
  usually
• 6:31
  not
• 6:31
  the
• 6:32
  mortgage
• 6:32
  that's
• 6:32
  the
• 6:32
  problem.
• 6:33
  It's
• 6:33
  the
• 6:33
  quiet
• 6:34
  stuff.
• 6:35
  It's
• 6:35
  those
• 6:35
  subscriptions
• 6:36
  that
• 6:36
  you
• 6:36
  forgot.
• 6:37
  That
• 6:37
  convenience
• 6:38
  spending,
• 6:38
  those
• 6:38
  little
• 6:39
  it's
• 6:39
  only
• 6:39
  10
• 6:39
  minute
• 6:40
  moments
• 6:40
  that
• 6:41
  happen
• 6:41
  12
• 6:41
  times
• 6:41
  a
• 6:42
  month.
• 6:43
  So
• 6:43
  try
• 6:43
  this
• 6:44
  once
• 6:44
  a
• 6:44
  month.
• 6:45
  Go
• 6:45
  and
• 6:45
  grab
• 6:45
  those
• 6:46
  statements.
• 6:46
  Just
• 6:46
  scan
• 6:47
  over
• 6:47
  them
• 6:47
  and
• 6:48
  circle
• 6:48
  anything
• 6:48
  that
• 6:49
  surprised
• 6:49
  you.
• 6:49
  Now
• 6:50
  listen,
• 6:50
  you're
• 6:50
  not
• 6:50
  doing
• 6:50
  this
• 6:51
  to
• 6:51
  shame
• 6:51
  yourself.
• 6:52
  I
• 6:52
  just
• 6:52
  want
• 6:52
  you
• 6:53
  to
• 6:53
  notice
• 6:53
  it.
• 6:54
  Because
• 6:54
  awareness
• 6:55
  is
• 6:55
  where
• 6:55
  change
• 6:56
  begins.
• 6:57
  And
• 6:57
  finally,
• 6:58
  this.
• 6:58
  You
• 6:59
  quit
• 6:59
  too
• 6:59
  soon.
• 7:00
  And
• 7:00
  this
• 7:00
  one
• 7:01
  matters
• 7:01
  deeply.
• 7:02
  The
• 7:02
  first
• 7:02
  month
• 7:02
  of
• 7:02
  budgeting
• 7:03
  is
• 7:03
  always
• 7:04
  uncomfortable.
• 7:04
  Hear
• 7:05
  me
• 7:05
  on
• 7:05
  that.
• 7:05
  It's
• 7:06
  not
• 7:06
  easy,
• 7:07
  but
• 7:07
  that
• 7:07
  doesn't
• 7:07
  mean
• 7:07
  you're
• 7:08
  failing.
• 7:08
  It
• 7:09
  actually
• 7:09
  means
• 7:09
  you're
• 7:09
  learning
• 7:10
  and
• 7:10
  you're
• 7:10
  getting
• 7:10
  somewhere.
• 7:11
  So
• 7:11
  try
• 7:11
  this.
• 7:12
  Make
• 7:12
  a
• 7:12
  commitment
• 7:13
  to
• 7:13
  90
• 7:13
  days.
• 7:14
  Now
• 7:14
  I'm
• 7:14
  not
• 7:14
  telling
• 7:14
  you
• 7:15
  to
• 7:15
  commit
• 7:15
  to
• 7:15
  perfection.
• 7:16
  Just
• 7:16
  commit
• 7:16
  to
• 7:17
  persistence.
• 7:18
  Because
• 7:18
  that
• 7:18
  momentum
• 7:19
  builds
• 7:19
  when
• 7:20
  you
• 7:20
  stay.
• 7:21
  Let's
• 7:21
  look
• 7:21
  at
• 7:21
  the
• 7:21
  Song
• 7:22
  of
• 7:22
  Songs,
• 7:22
  chapter
• 7:23
  two,
• 7:23
  verse
• 7:24
  15.
• 7:24
  And
• 7:25
  it's
• 7:25
  an
• 7:25
  unusual
• 7:25
  verse.
• 7:26
  It
• 7:27
  says,
• 7:27
  catch
• 7:27
  us
• 7:27
  the
• 7:28
  foxes,
• 7:29
  the
• 7:29
  little
• 7:29
  foxes
• 7:30
  that
• 7:30
  ruin
• 7:30
  the
• 7:30
  vineyards.
• 7:31
  I
• 7:32
  want
• 7:32
  to
• 7:32
  remind
• 7:32
  you
• 7:32
  something.
• 7:33
  When
• 7:33
  I
• 7:33
  read
• 7:33
  this
• 7:33
  scripture,
• 7:34
  God
• 7:35
  isn't
• 7:35
  scolding
• 7:36
  you,
• 7:36
  he's
• 7:37
  inviting
• 7:37
  you
• 7:37
  to
• 7:38
  protect
• 7:38
  what's
• 7:38
  growing,
• 7:39
  to
• 7:39
  pay
• 7:39
  attention
• 7:40
  to
• 7:40
  small
• 7:41
  things.
• 7:42
  How
• 7:42
  about
• 7:42
  we
• 7:42
  pray
• 7:43
  together?
• 7:44
  Lord,
• 7:44
  thank
• 7:44
  you
• 7:44
  for
• 7:45
  walking
• 7:45
  patiently
• 7:45
  with
• 7:46
  us.
• 7:46
  Show
• 7:47
  us
• 7:47
  the
• 7:47
  small
• 7:47
  things
• 7:48
  that
• 7:48
  quietly
• 7:48
  steal
• 7:49
  our
• 7:49
  peace.
• 7:50
  Give
• 7:50
  us
• 7:50
  wisdom
• 7:51
  without
• 7:51
  shame.
• 7:51
  Give
• 7:52
  us
• 7:52
  clarity
• 7:52
  without
• 7:53
  pressure,
• 7:53
  and
• 7:54
  give
• 7:54
  us
• 7:54
  strength
• 7:55
  for
• 7:55
  steady
• 7:55
  progress.
• 7:56
  We
• 7:57
  trust
• 7:57
  you
• 7:57
  with
• 7:57
  our
• 7:57
  money,
• 7:58
  Lord,
• 7:58
  and
• 7:58
  with
• 7:58
  our
• 7:59
  hearts.
• 7:59
  And
• 7:59
  we
• 7:59
  ask
• 7:59
  this
• 8:00
  in
• 8:00
  Jesus
• 8:00
  name.
• 8:01
  Amen.
• 8:02
  Here's
• 8:03
  today's
• 8:04
  pick.
• 8:04
  One
• 8:04
  of
• 8:04
  the
• 8:05
  five
• 8:05
  budget
• 8:05
  breakers
• 8:06
  that
• 8:06
  feel
• 8:06
  most
• 8:07
  true
• 8:07
  for
• 8:07
  you
• 8:08
  and
• 8:08
  make
• 8:08
  one
• 8:09
  small
• 8:09
  adjustment
• 8:09
  today.
• 8:10
  Hey.
• 8:10
  For
• 8:11
  you.
• 8:11
  If
• 8:11
  it's
• 8:11
  complicated,
• 8:12
  combine
• 8:13
  two
• 8:13
  categories.
• 8:14
  If
• 8:14
  it's
• 8:14
  tracking
• 8:15
  schedule
• 8:15
  that
• 8:16
  10
• 8:16
  minute
• 8:16
  weekly
• 8:16
  check
• 8:17
  in.
• 8:17
  If
• 8:17
  it's
• 8:18
  those
• 8:18
  unrealistic
• 8:19
  numbers,
• 8:19
  check
• 8:19
  last
• 8:20
  month's
• 8:20
  real
• 8:20
  grocery
• 8:21
  spend.
• 8:21
  If
• 8:22
  it's
• 8:22
  leaks,
• 8:23
  cancel
• 8:23
  that
• 8:23
  one
• 8:23
  subscription
• 8:24
  and
• 8:24
  if
• 8:25
  it's
• 8:25
  quitting,
• 8:25
  write
• 8:26
  90
• 8:26
  days
• 8:26
  at
• 8:27
  the
• 8:27
  top
• 8:27
  of
• 8:27
  your
• 8:27
  budget.
• 8:28
  You
• 8:28
  just
• 8:28
  made
• 8:28
  like
• 8:29
  one
• 8:29
  adjustment.
• 8:30
  That
• 8:30
  is
• 8:31
  faithful
• 8:31
  progress.
• 8:32
  And
• 8:33
  friend,
• 8:33
  if
• 8:33
  you
• 8:33
  ever
• 8:33
  feel
• 8:34
  like
• 8:34
  money
• 8:34
  struggles
• 8:35
  are
• 8:35
  something
• 8:35
  you
• 8:35
  should
• 8:35
  hide,
• 8:36
  you're
• 8:36
  not
• 8:36
  alone
• 8:37
  feeling
• 8:37
  like
• 8:37
  that
• 8:38
  inside
• 8:38
  the
• 8:38
  financially
• 8:39
  confident
• 8:39
  Christian
• 8:40
  community.
• 8:40
  People
• 8:41
  often
• 8:41
  say
• 8:41
  I
• 8:42
  finally
• 8:42
  felt
• 8:43
  safe
• 8:43
  enough
• 8:43
  to
• 8:43
  be
• 8:44
  honest.
• 8:45
  It's
• 8:45
  a
• 8:45
  place
• 8:45
  with
• 8:45
  no
• 8:46
  pressure.
• 8:46
  It's
• 8:47
  a
• 8:47
  place
• 8:47
  with
• 8:47
  no
• 8:47
  judgment,
• 8:48
  just
• 8:48
  grace
• 8:49
  and
• 8:49
  growth
• 8:49
  and
• 8:49
  I
• 8:49
  want
• 8:49
  to
• 8:49
  invite
• 8:50
  you
• 8:50
  to
• 8:50
  join
• 8:50
  us
• 8:50
  there.
• 8:50
  It's
• 8:52
  at
• 8:53
  financiallyconfidentchristian.com/join.
• 8:54
  That's
• 8:55
  financiallyconfidentchristian.com/join.
• 8:58
  You're
• 8:58
  welcome
• 8:58
  to
• 8:59
  there
• 8:59
  anytime.
• 9:00
  And
• 9:00
  let
• 9:01
  me
• 9:01
  remind
• 9:01
  you
• 9:01
  this,
• 9:02
  God
• 9:02
  is
• 9:03
  patient.
• 9:04
  Progress
• 9:05
  is
• 9:05
  possible
• 9:05
  and
• 9:06
  those
• 9:06
  small
• 9:06
  steps,
• 9:07
  they
• 9:07
  matter
• 9:07
  more
• 9:07
  than
• 9:08
  you
• 9:08
  can
• 9:08
  imagine.
• 9:09
  You're
• 9:09
  not
• 9:09
  behind,
• 9:09
  you're
• 9:10
  actually
• 9:10
  learning.
• 9:11
  So
• 9:11
  go
• 9:11
  today
• 9:11
  and
• 9:12
  be
• 9:12
  a
• 9:13
  financially
• 9:13
  confident
• 9:14
  Christian.
• 9:14
  I
• 9:14
  have
• 9:14
  confidence
• 9:15
  in
• 9:15
  you.
• 9:15
  You
• 9:15
  can
• 9:16
  do
• 9:16
  this.
• 9:16
  Stay
• 9:17
  financially
• 9:17
  savvy.
• 9:18
  God
• 9:18
  bless
• 9:18
  you
• 9:18
  and
• 9:19
  you
• 9:19
  have
• 9:19
  a
• 9:19
  great
• 9:19
  day
• 9:20
  today.