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New year, same bills. Want a fresh start? · Becoming Financially Confident

• 1:20
  Did
• 1:20
  you
• 1:20
  ever
• 1:20
  hit
• 1:21
  January
• 1:21
  already
• 1:21
  feeling
• 1:22
  stuck?
• 1:23
  You
• 1:23
  want
• 1:23
  that
• 1:23
  fresh
• 1:24
  start,
• 1:24
  but
• 1:24
  last
• 1:24
  year's
• 1:25
  stress
• 1:25
  is
• 1:25
  still
• 1:25
  clinging
• 1:26
  to
• 1:26
  you
• 1:26
  like
• 1:27
  that
• 1:27
  Christmas
• 1:27
  tree
• 1:27
  tinsel
• 1:28
  I
• 1:28
  remember.
• 1:28
  Ever
• 1:28
  still
• 1:29
  use
• 1:29
  that
• 1:29
  stuff?
• 1:30
  Giant
• 1:30
  flashback
• 1:30
  from
• 1:31
  when
• 1:31
  I
• 1:31
  was
• 1:31
  a
• 1:31
  kid.
• 1:32
  Friend,
• 1:33
  come
• 1:33
  close
• 1:33
  for
• 1:34
  a
• 1:34
  moment.
• 1:35
  A
• 1:35
  new
• 1:35
  year
• 1:36
  means
• 1:36
  new
• 1:36
  mercy,
• 1:37
  a
• 1:37
  fresh
• 1:38
  start.
• 1:38
  It's
• 1:38
  God's
• 1:39
  gift.
• 1:39
  It's
• 1:39
  not
• 1:39
  based
• 1:39
  on
• 1:40
  your
• 1:40
  performance.
• 1:41
  You
• 1:41
  don't
• 1:42
  need
• 1:42
  pressure.
• 1:42
  You
• 1:43
  don't
• 1:43
  need
• 1:43
  perfection.
• 1:44
  You
• 1:44
  just
• 1:45
  need
• 1:45
  permission
• 1:45
  to
• 1:46
  begin
• 1:46
  again.
• 1:47
  And
• 1:47
  the
• 1:47
  beautiful
• 1:48
  truth
• 1:48
  is
• 1:48
  this.
• 1:48
  God
• 1:49
  already
• 1:49
  gave
• 1:49
  it
• 1:49
  to
• 1:49
  you.
• 1:50
  So
• 1:50
  let's
• 1:50
  start
• 1:50
  this
• 1:50
  year
• 1:51
  with
• 1:51
  a
• 1:51
  clean
• 1:51
  slate.
• 1:52
  And
• 1:52
  today,
• 1:52
  I'm
• 1:52
  going
• 1:52
  to
• 1:52
  show
• 1:53
  you
• 1:53
  exactly
• 1:53
  how
• 1:54
  to
• 1:54
  do
• 1:54
  that.
• 2:15
  Welcome
• 2:15
  back,
• 2:15
  friend,
• 2:16
  and
• 2:16
  happy
• 2:16
  new
• 2:17
  year.
• 2:17
  It's
• 2:18
  January
• 2:18
  1st.
• 2:18
  It's
• 2:18
  a
• 2:19
  brand
• 2:19
  new
• 2:19
  season.
• 2:19
  Yet
• 2:19
  it's
• 2:20
  hard
• 2:20
  to
• 2:20
  believe
• 2:20
  this
• 2:20
  is
• 2:20
  our
• 2:21
  eighth
• 2:21
  year
• 2:21
  of
• 2:21
  the
• 2:22
  show.
• 2:22
  It's
• 2:23
  a
• 2:23
  brand
• 2:23
  new
• 2:23
  chapter
• 2:24
  and
• 2:24
  a
• 2:24
  brand
• 2:25
  new
• 2:25
  book
• 2:25
  of
• 2:25
  grace
• 2:26
  from
• 2:26
  God.
• 2:27
  Yesterday,
• 2:27
  we
• 2:28
  looked
• 2:28
  back
• 2:28
  at
• 2:28
  his
• 2:28
  faithfulness
• 2:29
  throughout
• 2:29
  last
• 2:29
  year.
• 2:30
  And
• 2:30
  today
• 2:30
  we're
• 2:30
  going
• 2:30
  to
• 2:31
  look
• 2:31
  forward.
• 2:31
  We're
• 2:31
  going
• 2:31
  to
• 2:32
  look
• 2:32
  forward
• 2:32
  with
• 2:32
  hope,
• 2:33
  with
• 2:33
  clarity,
• 2:34
  and
• 2:34
  with
• 2:34
  a
• 2:35
  deeply
• 2:35
  needed
• 2:35
  reset
• 2:36
  for
• 2:36
  the
• 2:36
  mind,
• 2:36
  for
• 2:37
  your
• 2:37
  heart
• 2:37
  and
• 2:37
  your
• 2:38
  finances.
• 2:39
  You
• 2:39
  don't
• 2:39
  have
• 2:39
  to
• 2:39
  drag
• 2:40
  yesterday
• 2:40
  into
• 2:40
  today.
• 2:41
  You
• 2:41
  don't
• 2:41
  have
• 2:42
  to
• 2:42
  carry
• 2:42
  last
• 2:42
  year's
• 2:43
  weight
• 2:43
  into
• 2:43
  this
• 2:43
  brand
• 2:43
  new
• 2:44
  beginning.
• 2:44
  We're
• 2:45
  starting
• 2:45
  fresh
• 2:46
  and
• 2:46
  we're
• 2:46
  starting
• 2:46
  it
• 2:46
  together.
• 2:47
  A
• 2:47
  listener
• 2:48
  reached
• 2:48
  out
• 2:48
  and
• 2:48
  said,
• 2:48
  ralph,
• 2:49
  I
• 2:49
  want
• 2:49
  this
• 2:50
  year
• 2:50
  to
• 2:50
  be
• 2:50
  different,
• 2:51
  but
• 2:52
  I
• 2:52
  feel
• 2:52
  stuck.
• 2:53
  I'm
• 2:53
  carrying
• 2:53
  guilt
• 2:54
  and
• 2:54
  frustration
• 2:54
  from
• 2:55
  last
• 2:55
  year.
• 2:56
  How
• 2:56
  do
• 2:56
  I
• 2:56
  start
• 2:57
  fresh
• 2:57
  emotionally
• 2:58
  and
• 2:59
  financially?
• 3:00
  Friend,
• 3:01
  that
• 3:01
  question
• 3:01
  right
• 3:01
  there
• 3:01
  is
• 3:02
  raw,
• 3:03
  but
• 3:03
  it's
• 3:03
  real.
• 3:04
  And
• 3:04
  you
• 3:05
  are
• 3:05
  absolutely
• 3:05
  not
• 3:05
  alone
• 3:06
  in
• 3:06
  this.
• 3:07
  January
• 3:07
  1st
• 3:08
  doesn't
• 3:08
  magically
• 3:09
  erase
• 3:09
  the
• 3:09
  heaviness
• 3:10
  of
• 3:10
  December
• 3:11
  31st
• 3:11
  as
• 3:12
  many
• 3:12
  times
• 3:12
  I
• 3:12
  wish
• 3:12
  it
• 3:12
  could.
• 3:13
  Some
• 3:13
  things
• 3:13
  happened
• 3:13
  last
• 3:14
  year
• 3:14
  I
• 3:14
  just
• 3:14
  want
• 3:14
  to
• 3:14
  forget.
• 3:15
  And
• 3:15
  that's
• 3:16
  okay.
• 3:17
  We're
• 3:17
  going
• 3:17
  to
• 3:17
  walk
• 3:17
  through
• 3:17
  this
• 3:18
  gently,
• 3:18
  one
• 3:18
  step
• 3:19
  at
• 3:19
  a
• 3:19
  time.
• 3:20
  Let's
• 3:20
  be
• 3:20
  honest
• 3:21
  together.
• 3:21
  We
• 3:22
  walk
• 3:22
  into
• 3:22
  January,
• 3:23
  we're
• 3:23
  hoping
• 3:23
  for
• 3:24
  a
• 3:24
  new
• 3:24
  story,
• 3:24
  a
• 3:25
  fresh
• 3:25
  chapter,
• 3:25
  a
• 3:26
  clean
• 3:26
  page.
• 3:27
  But
• 3:28
  deep
• 3:28
  down,
• 3:28
  we're
• 3:28
  still
• 3:29
  holding
• 3:29
  on
• 3:29
  to
• 3:29
  the
• 3:29
  shame.
• 3:31
  That
• 3:31
  quiet,
• 3:32
  heavy
• 3:32
  feeling
• 3:32
  that
• 3:33
  it
• 3:33
  hits
• 3:33
  every
• 3:33
  time
• 3:34
  you
• 3:34
  open
• 3:34
  up
• 3:34
  that
• 3:34
  banking
• 3:35
  app,
• 3:35
  that
• 3:35
  memory
• 3:36
  of
• 3:36
  those
• 3:36
  overdrafts,
• 3:38
  those
• 3:38
  missed
• 3:38
  payments
• 3:39
  or
• 3:39
  decisions
• 3:40
  you
• 3:40
  wish
• 3:40
  you
• 3:40
  could
• 3:40
  rewrite.
• 3:42
  And
• 3:42
  that
• 3:42
  shame
• 3:43
  whispers.
• 3:43
  See,
• 3:43
  you're
• 3:44
  still
• 3:44
  not
• 3:44
  good
• 3:44
  at
• 3:45
  this.
• 3:46
  How
• 3:46
  about
• 3:46
  regret?
• 3:48
  Only
• 3:48
  if
• 3:48
  I
• 3:48
  had
• 3:49
  done
• 3:49
  that
• 3:49
  thought.
• 3:50
  If
• 3:51
  I
• 3:51
  had
• 3:51
  only
• 3:51
  saved
• 3:52
  earlier.
• 3:53
  If
• 3:53
  I.
• 3:53
  If
• 3:54
  I
• 3:54
  hadn't
• 3:54
  taken
• 3:54
  out
• 3:54
  that
• 3:55
  card.
• 3:56
  If
• 3:56
  only
• 3:56
  I
• 3:57
  hadn't
• 3:57
  listened.
• 3:58
  If
• 3:58
  only
• 3:58
  I
• 3:59
  had
• 3:59
  listened
• 4:00
  before
• 4:00
  things
• 4:00
  got
• 4:01
  tight.
• 4:02
  Regret
• 4:02
  is
• 4:03
  a
• 4:03
  way
• 4:03
  of
• 4:03
  replaying
• 4:03
  last
• 4:04
  year
• 4:04
  like
• 4:04
  A
• 4:04
  movie
• 4:04
  that
• 4:04
  you
• 4:05
  didn't
• 4:05
  want
• 4:05
  to
• 4:05
  watch,
• 4:05
  but
• 4:05
  somehow
• 4:06
  you
• 4:06
  know
• 4:06
  by
• 4:06
  heart.
• 4:08
  How
• 4:08
  about
• 4:08
  your
• 4:09
  money?
• 4:09
  Mistakes?
• 4:10
  Real
• 4:11
  things.
• 4:11
  I'm
• 4:11
  talking
• 4:11
  about
• 4:11
  not.
• 4:12
  Not
• 4:12
  imagined
• 4:13
  failures,
• 4:13
  just
• 4:13
  real
• 4:13
  things.
• 4:14
  Like
• 4:14
  buying
• 4:14
  that
• 4:14
  car
• 4:15
  that
• 4:15
  was
• 4:15
  too
• 4:15
  expensive,
• 4:17
  maybe
• 4:17
  ignored
• 4:17
  that
• 4:18
  credit
• 4:18
  card
• 4:18
  balance.
• 4:19
  You
• 4:19
  dipped
• 4:20
  into
• 4:20
  savings
• 4:20
  just
• 4:21
  this
• 4:21
  once.
• 4:22
  You
• 4:22
  forgot
• 4:23
  that
• 4:23
  quarterly
• 4:23
  tax
• 4:23
  payment.
• 4:25
  We
• 4:25
  carry
• 4:25
  these
• 4:25
  mistakes
• 4:26
  like
• 4:26
  receipts
• 4:27
  stuffed
• 4:27
  in
• 4:27
  a
• 4:27
  glove
• 4:28
  compartment.
• 4:28
  They're
• 4:28
  crumpled
• 4:29
  or
• 4:29
  hidden,
• 4:29
  but
• 4:29
  they're
• 4:29
  still
• 4:30
  there.
• 4:31
  How
• 4:31
  about
• 4:32
  that
• 4:32
  fear
• 4:32
  that
• 4:32
  this
• 4:32
  year
• 4:33
  might
• 4:33
  look
• 4:33
  exactly
• 4:33
  like
• 4:34
  the
• 4:34
  last?
• 4:35
  That
• 4:36
  sinking,
• 4:36
  familiar
• 4:37
  fear
• 4:37
  that
• 4:37
  nothing's
• 4:38
  gonna
• 4:38
  change?
• 4:39
  You
• 4:39
  wake
• 4:40
  up
• 4:40
  in
• 4:40
  June
• 4:40
  and
• 4:40
  realize
• 4:41
  you're
• 4:41
  still
• 4:41
  stressed,
• 4:42
  you're
• 4:42
  still
• 4:42
  behind,
• 4:42
  still
• 4:43
  spinning
• 4:43
  plates.
• 4:44
  Instead
• 4:44
  of
• 4:44
  moving
• 4:45
  forward,
• 4:46
  it's
• 4:47
  that
• 4:47
  fear
• 4:47
  that
• 4:47
  whispers,
• 4:48
  what
• 4:49
  if
• 4:49
  I
• 4:49
  don't
• 4:49
  grow?
• 4:50
  What
• 4:51
  if
• 4:51
  I
• 4:51
  try
• 4:51
  again
• 4:51
  and
• 4:52
  still
• 4:52
  fall
• 4:52
  short?
• 4:54
  And
• 4:54
  here's
• 4:55
  the
• 4:55
  thing.
• 4:56
  Shame
• 4:56
  will
• 4:56
  never
• 4:57
  motivate
• 4:57
  you.
• 4:59
  Shame
• 4:59
  paralyzes
• 5:00
  you.
• 5:01
  And
• 5:01
  God
• 5:01
  has
• 5:02
  never
• 5:02
  used
• 5:02
  shame
• 5:02
  to
• 5:03
  lead
• 5:03
  his
• 5:03
  children.
• 5:03
  If
• 5:04
  your
• 5:04
  heart
• 5:04
  feels
• 5:04
  heavy
• 5:04
  today,
• 5:05
  know
• 5:05
  this.
• 5:05
  God's
• 5:06
  plan
• 5:06
  for
• 5:07
  your
• 5:07
  year
• 5:07
  doesn't
• 5:07
  begin
• 5:08
  with
• 5:08
  weight.
• 5:08
  It
• 5:08
  begins
• 5:09
  with
• 5:09
  mercy.
• 5:11
  And
• 5:11
  research
• 5:11
  backs
• 5:12
  this
• 5:12
  up.
• 5:13
  People
• 5:13
  who
• 5:13
  start
• 5:13
  a
• 5:14
  year
• 5:14
  with
• 5:14
  a
• 5:14
  clean
• 5:14
  emotional
• 5:15
  slate,
• 5:15
  not
• 5:16
  guilt,
• 5:16
  not
• 5:17
  panic,
• 5:17
  make
• 5:17
  far
• 5:18
  healthier
• 5:18
  and
• 5:19
  more
• 5:19
  consistent
• 5:19
  financial
• 5:20
  decisions.
• 5:21
  Your
• 5:22
  nervous
• 5:22
  system
• 5:22
  needs
• 5:23
  breathing
• 5:23
  room.
• 5:24
  Your
• 5:24
  mind
• 5:24
  needs
• 5:25
  clarity.
• 5:25
  Your
• 5:26
  spirit
• 5:26
  needs
• 5:27
  hope.
• 5:28
  You
• 5:28
  think
• 5:28
  you
• 5:28
  need
• 5:29
  more
• 5:29
  discipline,
• 5:30
  but
• 5:30
  what
• 5:30
  you
• 5:30
  actually
• 5:31
  need
• 5:31
  is
• 5:32
  relief.
• 5:33
  More
• 5:33
  grace,
• 5:35
  more
• 5:35
  space,
• 5:36
  More
• 5:36
  mercy.
• 5:38
  Mercy
• 5:38
  fuels
• 5:39
  momentum,
• 5:39
  not
• 5:39
  pressure.
• 5:41
  After
• 5:41
  decades
• 5:42
  of
• 5:42
  helping
• 5:42
  people
• 5:42
  reset
• 5:43
  their
• 5:43
  financial
• 5:43
  lives,
• 5:44
  I've
• 5:44
  learned
• 5:44
  something
• 5:45
  simple
• 5:45
  and
• 5:46
  powerful.
• 5:47
  People
• 5:47
  don't
• 5:48
  need
• 5:48
  more
• 5:48
  pressure.
• 5:49
  They
• 5:49
  need
• 5:50
  more
• 5:50
  space.
• 5:51
  Transformation
• 5:52
  rarely
• 5:53
  begins
• 5:53
  when
• 5:53
  you
• 5:53
  squeeze
• 5:54
  harder.
• 5:55
  Transformation
• 5:56
  begins
• 5:56
  when
• 5:56
  your
• 5:56
  heart
• 5:57
  softens.
• 5:58
  God
• 5:59
  doesn't
• 5:59
  start
• 5:59
  with
• 5:59
  spreadsheets.
• 6:01
  He
• 6:01
  starts
• 6:01
  with
• 6:01
  mercy.
• 6:02
  And
• 6:02
  from
• 6:02
  that
• 6:03
  mercy,
• 6:03
  he
• 6:03
  shapes
• 6:04
  your
• 6:04
  habits
• 6:04
  and
• 6:05
  he
• 6:05
  guides
• 6:05
  your
• 6:05
  steps.
• 6:07
  A
• 6:07
  woman
• 6:07
  in
• 6:08
  our
• 6:08
  community
• 6:08
  told
• 6:08
  me
• 6:08
  something
• 6:09
  beautiful.
• 6:09
  She
• 6:09
  said,
• 6:09
  ralph,
• 6:10
  I
• 6:11
  kept
• 6:11
  trying
• 6:11
  to
• 6:11
  fix
• 6:12
  my
• 6:12
  finances
• 6:12
  with
• 6:13
  rules.
• 6:14
  But
• 6:14
  the
• 6:14
  moment
• 6:15
  everything
• 6:15
  changed
• 6:15
  is
• 6:16
  when
• 6:16
  I
• 6:16
  started
• 6:16
  the
• 6:16
  year
• 6:16
  with
• 6:17
  grace.
• 6:19
  So
• 6:19
  she
• 6:19
  tried
• 6:20
  one
• 6:20
  small
• 6:20
  thing.
• 6:20
  Every
• 6:21
  morning,
• 6:21
  she
• 6:21
  read
• 6:21
  Lamentations,
• 6:22
  Chapter
• 6:23
  3,
• 6:23
  Verse
• 6:24
  23
• 6:24
  New
• 6:24
  mercies
• 6:25
  every
• 6:25
  morning.
• 6:26
  And
• 6:27
  she
• 6:27
  let
• 6:27
  those
• 6:27
  words
• 6:28
  sit
• 6:28
  right
• 6:28
  on
• 6:28
  her
• 6:28
  heart.
• 6:30
  And
• 6:30
  when
• 6:30
  she
• 6:30
  did,
• 6:31
  her
• 6:31
  financial
• 6:31
  journey
• 6:32
  shifted.
• 6:32
  Not
• 6:32
  because
• 6:32
  she
• 6:33
  worked
• 6:33
  harder,
• 6:34
  but
• 6:34
  because
• 6:34
  she
• 6:35
  stopped
• 6:35
  caring
• 6:35
  yesterday
• 6:36
  into
• 6:36
  today.
• 6:38
  That
• 6:38
  mercy
• 6:39
  activated
• 6:40
  her
• 6:40
  discipline,
• 6:41
  and
• 6:41
  that
• 6:41
  grace
• 6:42
  activated
• 6:42
  her
• 6:42
  courage.
• 6:43
  See,
• 6:43
  sometimes
• 6:44
  the
• 6:44
  heart
• 6:44
  just
• 6:44
  needs
• 6:44
  permission
• 6:45
  before
• 6:45
  the
• 6:46
  habits
• 6:46
  can
• 6:46
  follow.
• 6:48
  So
• 6:48
  how
• 6:48
  do
• 6:49
  you
• 6:49
  start
• 6:49
  fresh?
• 6:50
  How
• 6:50
  do
• 6:50
  you
• 6:51
  walk
• 6:51
  into
• 6:51
  2026
• 6:52
  without
• 6:53
  last
• 6:53
  year's
• 6:53
  weight
• 6:54
  on
• 6:54
  your
• 6:54
  shoulders?
• 6:55
  Let's
• 6:56
  walk
• 6:56
  gently
• 6:56
  through
• 6:56
  God's
• 6:57
  way
• 6:57
  of
• 6:57
  resetting
• 6:58
  your
• 6:58
  financial
• 6:59
  life.
• 7:00
  Number
• 7:00
  one
• 7:00
  thing
• 7:00
  you've
• 7:01
  got
• 7:01
  to
• 7:01
  do,
• 7:01
  you've
• 7:01
  got
• 7:01
  to
• 7:01
  release
• 7:02
  last
• 7:02
  year
• 7:02
  without
• 7:02
  Judgment
• 7:04
  before
• 7:04
  you
• 7:04
  plan
• 7:04
  anything,
• 7:05
  before
• 7:05
  you
• 7:06
  budget
• 7:06
  anything,
• 7:07
  before
• 7:07
  you
• 7:07
  set
• 7:08
  a
• 7:08
  single
• 7:08
  goal.
• 7:09
  Release
• 7:09
  the
• 7:09
  shame,
• 7:10
  friends.
• 7:11
  You
• 7:11
  can't
• 7:11
  build
• 7:11
  a
• 7:12
  new
• 7:12
  story
• 7:12
  on
• 7:13
  a
• 7:13
  condemned
• 7:13
  house.
• 7:15
  Let
• 7:15
  go
• 7:15
  of
• 7:16
  the
• 7:16
  overspending.
• 7:17
  Let
• 7:17
  go
• 7:17
  of
• 7:17
  the
• 7:17
  missed
• 7:18
  budgets.
• 7:18
  Let
• 7:19
  go
• 7:19
  of
• 7:19
  the
• 7:19
  unexpected
• 7:20
  crisis.
• 7:20
  Let
• 7:21
  go
• 7:21
  of
• 7:21
  the
• 7:21
  guilt.
• 7:22
  Let
• 7:22
  go
• 7:22
  of
• 7:22
  the
• 7:22
  frustration.
• 7:23
  Let
• 7:23
  go
• 7:24
  of
• 7:24
  those
• 7:24
  moments
• 7:24
  you
• 7:24
  wish
• 7:25
  you'd
• 7:25
  handle
• 7:25
  differently.
• 7:27
  God
• 7:27
  has
• 7:27
  already
• 7:28
  reset
• 7:28
  the
• 7:28
  slate.
• 7:29
  You
• 7:29
  can
• 7:29
  too.
• 7:31
  Second
• 7:31
  thing,
• 7:32
  receive
• 7:33
  God's
• 7:33
  fresh
• 7:34
  mercy.
• 7:35
  Mercy
• 7:36
  isn't
• 7:36
  a
• 7:36
  feeling.
• 7:37
  Mercy
• 7:37
  is
• 7:37
  a
• 7:38
  spiritual
• 7:38
  reset.
• 7:39
  It
• 7:39
  tells
• 7:39
  your
• 7:39
  heart
• 7:40
  you're
• 7:40
  not
• 7:40
  behind,
• 7:41
  you're
• 7:41
  not
• 7:41
  disqualified,
• 7:43
  you're
• 7:43
  right
• 7:43
  on
• 7:44
  time.
• 7:45
  That
• 7:45
  new
• 7:45
  mercy
• 7:46
  makes
• 7:46
  room
• 7:46
  for
• 7:46
  new
• 7:47
  habits.
• 7:48
  You
• 7:48
  don't
• 7:48
  earn
• 7:49
  mercy.
• 7:49
  You
• 7:50
  begin
• 7:50
  from
• 7:51
  mercy.
• 7:53
  And
• 7:53
  choose
• 7:53
  one
• 7:54
  habit
• 7:54
  to
• 7:54
  carry
• 7:55
  forward.
• 7:55
  Don't
• 7:56
  pick
• 7:56
  10.
• 7:56
  Don't
• 7:57
  pick
• 7:57
  five.
• 7:57
  Just
• 7:57
  pick
• 7:58
  one
• 7:58
  habit.
• 7:59
  Because
• 8:00
  small,
• 8:00
  faithful
• 8:01
  habits
• 8:01
  shape
• 8:02
  entire
• 8:02
  years.
• 8:03
  Just
• 8:03
  choose
• 8:04
  one.
• 8:04
  Maybe
• 8:04
  you
• 8:04
  track
• 8:05
  your
• 8:05
  spending.
• 8:06
  Maybe
• 8:06
  you
• 8:07
  pray
• 8:07
  before
• 8:07
  those
• 8:07
  purchases.
• 8:09
  Maybe
• 8:09
  you
• 8:09
  set
• 8:09
  a
• 8:09
  small
• 8:10
  daily
• 8:10
  spending
• 8:10
  limit
• 8:11
  for
• 8:11
  yourself.
• 8:12
  Maybe
• 8:12
  for
• 8:12
  you.
• 8:12
  You
• 8:13
  save
• 8:13
  $5
• 8:14
  a
• 8:14
  day.
• 8:14
  You
• 8:15
  do
• 8:15
  a
• 8:15
  one
• 8:15
  minute
• 8:15
  nightly
• 8:16
  balance
• 8:16
  check.
• 8:17
  Or
• 8:17
  you
• 8:17
  do
• 8:17
  that
• 8:18
  weekly
• 8:18
  money
• 8:18
  reset.
• 8:20
  As
• 8:20
  I
• 8:20
  said
• 8:20
  a
• 8:20
  few
• 8:20
  days
• 8:21
  ago,
• 8:21
  small
• 8:22
  is
• 8:22
  spiritual
• 8:23
  and
• 8:23
  small
• 8:24
  builds
• 8:24
  peace.
• 8:26
  And
• 8:26
  number
• 8:27
  four,
• 8:27
  you
• 8:27
  know
• 8:27
  I
• 8:27
  love
• 8:28
  plans.
• 8:28
  Create
• 8:29
  a
• 8:29
  simple
• 8:29
  January
• 8:30
  start
• 8:30
  plan.
• 8:31
  Just
• 8:31
  January.
• 8:32
  Don't
• 8:32
  try
• 8:32
  to
• 8:32
  do
• 8:32
  it
• 8:32
  for
• 8:33
  the
• 8:33
  whole
• 8:33
  year.
• 8:33
  People
• 8:34
  try
• 8:34
  to
• 8:34
  overhaul
• 8:34
  their
• 8:35
  whole
• 8:35
  life
• 8:35
  at
• 8:35
  once,
• 8:36
  and
• 8:36
  that's
• 8:36
  why
• 8:36
  it
• 8:36
  falls
• 8:37
  apart.
• 8:38
  Your
• 8:39
  simple
• 8:39
  January
• 8:39
  plan
• 8:40
  might
• 8:40
  include
• 8:40
  things
• 8:41
  like
• 8:41
  this.
• 8:41
  I'm
• 8:41
  going
• 8:41
  to
• 8:42
  do
• 8:42
  one
• 8:42
  weekly
• 8:43
  money
• 8:43
  reset.
• 8:43
  Just
• 8:44
  10
• 8:44
  minutes.
• 8:45
  Every
• 8:45
  Sunday
• 8:45
  evening,
• 8:46
  right
• 8:46
  before
• 8:46
  you
• 8:46
  pack
• 8:47
  the
• 8:47
  lunches
• 8:47
  or
• 8:47
  pick
• 8:48
  out
• 8:48
  clothes
• 8:48
  for
• 8:48
  Monday,
• 8:49
  you
• 8:49
  sit
• 8:49
  down
• 8:49
  with
• 8:49
  a
• 8:50
  cup
• 8:50
  of
• 8:50
  tea,
• 8:50
  open
• 8:51
  your
• 8:51
  banking
• 8:51
  app,
• 8:51
  look
• 8:52
  at
• 8:52
  what
• 8:52
  came
• 8:52
  in
• 8:52
  and
• 8:53
  what
• 8:53
  went
• 8:53
  out,
• 8:53
  and
• 8:53
  ask
• 8:54
  one
• 8:54
  simple
• 8:54
  question.
• 8:55
  Did
• 8:55
  my
• 8:56
  spending
• 8:56
  match
• 8:57
  my
• 8:57
  values
• 8:57
  this
• 8:58
  week?
• 8:58
  See,
• 8:59
  that's
• 8:59
  calm.
• 9:00
  That's
• 9:00
  doable.
• 9:01
  It's
• 9:01
  clarity
• 9:01
  without
• 9:02
  chaos.
• 9:03
  Or
• 9:03
  maybe
• 9:04
  you
• 9:04
  do
• 9:04
  one
• 9:05
  giving
• 9:05
  goal.
• 9:06
  Maybe
• 9:06
  it's
• 9:06
  choosing
• 9:07
  one
• 9:07
  person
• 9:07
  or
• 9:08
  one
• 9:08
  ministry
• 9:09
  or
• 9:09
  one
• 9:09
  need
• 9:09
  you
• 9:10
  want
• 9:10
  to
• 9:10
  bless
• 9:10
  this
• 9:10
  month.
• 9:11
  Hey,
• 9:12
  I
• 9:12
  got
• 9:12
  some
• 9:12
  great
• 9:12
  ideas.
• 9:13
  It
• 9:13
  could
• 9:13
  be
• 9:13
  helping
• 9:13
  a
• 9:14
  single
• 9:14
  mom
• 9:14
  with
• 9:14
  groceries
• 9:15
  or
• 9:16
  support,
• 9:16
  supporting
• 9:17
  your
• 9:17
  church's
• 9:18
  outreach
• 9:18
  fund,
• 9:18
  or
• 9:19
  giving
• 9:19
  an
• 9:19
  extra
• 9:19
  $20
• 9:20
  every
• 9:20
  payday
• 9:21
  to
• 9:21
  someone
• 9:21
  God
• 9:21
  puts
• 9:22
  on
• 9:22
  your
• 9:22
  heart.
• 9:24
  That
• 9:24
  small
• 9:24
  intentional
• 9:25
  giving
• 9:25
  goal
• 9:26
  keeps
• 9:26
  generosity
• 9:27
  alive
• 9:27
  even
• 9:27
  when
• 9:28
  life
• 9:28
  gets
• 9:28
  busy.
• 9:30
  Or
• 9:30
  maybe
• 9:30
  it's
• 9:30
  that
• 9:30
  savings
• 9:31
  target.
• 9:31
  Just
• 9:32
  set
• 9:32
  one
• 9:32
  simple
• 9:33
  number
• 9:33
  you
• 9:33
  want
• 9:34
  to
• 9:34
  hit
• 9:34
  this
• 9:34
  month.
• 9:34
  Not
• 9:35
  some
• 9:35
  giant
• 9:36
  goal,
• 9:36
  something
• 9:36
  attainable.
• 9:37
  Maybe
• 9:37
  for
• 9:37
  you,
• 9:38
  $50
• 9:38
  or
• 9:38
  $100.
• 9:39
  Maybe
• 9:39
  it's
• 9:39
  a
• 9:39
  reach
• 9:39
  and
• 9:40
  you
• 9:40
  say,
• 9:40
  I
• 9:40
  want
• 9:40
  to
• 9:40
  save
• 9:41
  $250.
• 9:43
  Just
• 9:43
  enough
• 9:43
  to
• 9:43
  build
• 9:44
  momentum.
• 9:44
  Enough
• 9:45
  to
• 9:45
  remind
• 9:45
  you
• 9:45
  that
• 9:46
  your
• 9:46
  future
• 9:46
  matters.
• 9:48
  Maybe
• 9:48
  it's
• 9:48
  starting
• 9:48
  that
• 9:49
  Emergency
• 9:49
  fund
• 9:49
  because
• 9:50
  you
• 9:50
  need
• 9:50
  to
• 9:50
  rebuild
• 9:51
  it
• 9:51
  because
• 9:51
  you
• 9:51
  drained
• 9:52
  it
• 9:52
  last
• 9:52
  year.
• 9:52
  Maybe
• 9:53
  it's
• 9:53
  setting
• 9:53
  aside
• 9:54
  money
• 9:54
  for
• 9:54
  something
• 9:54
  meaningful
• 9:55
  you've
• 9:55
  been
• 9:55
  putting
• 9:56
  off.
• 9:58
  Hey,
• 9:58
  maybe
• 9:58
  your
• 9:58
  goal
• 9:59
  is
• 9:59
  one
• 9:59
  daily
• 9:59
  habit.
• 10:00
  Just
• 10:00
  one
• 10:00
  small
• 10:00
  thing
• 10:00
  you
• 10:01
  do
• 10:01
  every
• 10:01
  day
• 10:01
  that
• 10:01
  strengthens
• 10:02
  your
• 10:02
  stewardship
• 10:03
  muscles.
• 10:04
  It
• 10:04
  might
• 10:04
  be
• 10:05
  written
• 10:05
  down,
• 10:05
  just
• 10:05
  one
• 10:06
  purchase.
• 10:06
  Or
• 10:06
  praying
• 10:07
  one
• 10:07
  sentence
• 10:08
  about
• 10:08
  money.
• 10:09
  Maybe
• 10:09
  glancing
• 10:10
  at
• 10:10
  your
• 10:10
  budget
• 10:10
  or
• 10:11
  putting
• 10:11
  away
• 10:11
  one
• 10:12
  receipt.
• 10:12
  Just
• 10:13
  something
• 10:13
  tiny
• 10:14
  but
• 10:14
  intentional
• 10:15
  that
• 10:15
  keeps
• 10:15
  your
• 10:15
  heart
• 10:16
  anchored
• 10:16
  and
• 10:16
  your
• 10:17
  decisions
• 10:17
  aligned.
• 10:19
  Maybe
• 10:19
  you
• 10:19
  do
• 10:20
  one
• 10:20
  spending
• 10:20
  boundary,
• 10:21
  just
• 10:21
  a
• 10:21
  simple
• 10:21
  limit
• 10:22
  that
• 10:22
  protects
• 10:22
  your
• 10:23
  peace.
• 10:23
  Here's
• 10:24
  a
• 10:24
  great
• 10:24
  idea.
• 10:24
  No
• 10:25
  Amazon
• 10:25
  orders
• 10:26
  after
• 10:26
  9pm
• 10:26
  Boy,
• 10:27
  I'll
• 10:27
  get
• 10:27
  in
• 10:27
  trouble
• 10:27
  on
• 10:27
  that
• 10:28
  one.
• 10:28
  Maybe
• 10:29
  you
• 10:29
  only
• 10:29
  eat
• 10:29
  out
• 10:29
  twice
• 10:30
  a
• 10:30
  week.
• 10:30
  Or
• 10:30
  no
• 10:31
  impulse
• 10:31
  purchases.
• 10:32
  Everything
• 10:32
  waits
• 10:33
  that
• 10:33
  24
• 10:34
  hours.
• 10:35
  Or
• 10:35
  maybe
• 10:35
  you
• 10:36
  cap
• 10:36
  that
• 10:36
  grocery
• 10:36
  budget
• 10:37
  at
• 10:37
  $150
• 10:38
  per
• 10:38
  trip.
• 10:38
  That's
• 10:39
  not
• 10:39
  easy
• 10:39
  these
• 10:39
  days.
• 10:40
  But
• 10:40
  one
• 10:41
  boundary
• 10:41
  keeps
• 10:42
  one
• 10:42
  small
• 10:42
  leak
• 10:43
  from
• 10:43
  sinking
• 10:43
  the
• 10:43
  whole
• 10:44
  boat.
• 10:45
  That
• 10:45
  clarity
• 10:45
  creates
• 10:46
  confidence,
• 10:46
  and
• 10:47
  that
• 10:47
  confidence
• 10:47
  creates
• 10:48
  peace.
• 10:49
  And
• 10:49
  peace.
• 10:50
  That's
• 10:50
  what
• 10:50
  keeps
• 10:50
  you
• 10:51
  consistent.
• 10:51
  Which
• 10:52
  leads
• 10:52
  us
• 10:52
  to
• 10:52
  our
• 10:52
  Bible
• 10:52
  verse.
• 10:53
  I
• 10:53
  mentioned
• 10:53
  this
• 10:53
  earlier.
• 10:54
  Lamentations,
• 10:55
  chapter
• 10:55
  3,
• 10:56
  verses
• 10:56
  22
• 10:57
  and
• 10:57
  23.
• 10:59
  His
• 10:59
  compassions
• 11:00
  never
• 11:01
  fail.
• 11:02
  They
• 11:02
  are
• 11:02
  new
• 11:02
  every
• 11:03
  morning,
• 11:04
  not
• 11:04
  once
• 11:05
  a
• 11:05
  year,
• 11:06
  not
• 11:06
  just
• 11:06
  on
• 11:06
  January
• 11:07
  1st.
• 11:08
  Every
• 11:09
  morning
• 11:09
  is
• 11:10
  a
• 11:10
  fresh
• 11:10
  financial
• 11:11
  start
• 11:11
  in
• 11:12
  God's
• 11:12
  eyes.
• 11:13
  Let's
• 11:13
  pray
• 11:13
  together.
• 11:15
  Lord,
• 11:15
  thank
• 11:15
  you
• 11:16
  for
• 11:16
  your
• 11:16
  mercies
• 11:16
  in
• 11:16
  this
• 11:17
  new
• 11:17
  year.
• 11:18
  Help
• 11:18
  me
• 11:18
  release
• 11:18
  shame.
• 11:19
  Help
• 11:20
  me
• 11:20
  walk
• 11:20
  in
• 11:20
  freedom.
• 11:21
  Help
• 11:21
  me
• 11:21
  build
• 11:22
  habits
• 11:22
  that
• 11:22
  honor
• 11:22
  you
• 11:23
  and
• 11:23
  bring
• 11:23
  priests
• 11:24
  into
• 11:24
  my
• 11:24
  home.
• 11:25
  Guide
• 11:26
  my
• 11:26
  steps,
• 11:27
  guide
• 11:27
  my
• 11:28
  decisions
• 11:29
  and
• 11:29
  guide
• 11:29
  my
• 11:29
  heart.
• 11:30
  And
• 11:30
  I
• 11:30
  ask
• 11:30
  this
• 11:30
  in
• 11:30
  confidence
• 11:31
  in
• 11:31
  Jesus
• 11:32
  name.
• 11:33
  Amen.
• 11:34
  Okay,
• 11:34
  here's
• 11:34
  your
• 11:35
  action
• 11:35
  step
• 11:35
  for
• 11:36
  the
• 11:36
  first
• 11:36
  day
• 11:36
  of
• 11:36
  the
• 11:36
  year.
• 11:37
  I
• 11:37
  want
• 11:37
  you
• 11:37
  to
• 11:38
  write
• 11:38
  two
• 11:38
  things
• 11:38
  down.
• 11:39
  Number
• 11:39
  one
• 11:39
  thing.
• 11:40
  One
• 11:40
  habit
• 11:40
  you're
• 11:41
  leaving
• 11:41
  behind
• 11:41
  in
• 11:41
  2025.
• 11:43
  What
• 11:43
  is
• 11:43
  that?
• 11:44
  And
• 11:44
  second
• 11:45
  thing
• 11:45
  I
• 11:45
  want
• 11:45
  you
• 11:45
  to
• 11:45
  do.
• 11:46
  One
• 11:46
  habit
• 11:47
  you're
• 11:47
  going
• 11:47
  to
• 11:47
  embrace
• 11:48
  in
• 11:48
  this
• 11:48
  2026
• 11:49
  new
• 11:49
  year.
• 11:50
  Just
• 11:50
  one
• 11:51
  release.
• 11:51
  Just
• 11:52
  wanting
• 11:52
  to
• 11:52
  begin.
• 11:52
  As
• 11:53
  I
• 11:53
  said
• 11:53
  earlier,
• 11:53
  small
• 11:54
  steps
• 11:54
  create
• 11:54
  steady
• 11:55
  peace
• 11:56
  and
• 11:56
  listen
• 11:56
  to
• 11:56
  what
• 11:57
  one
• 11:57
  member
• 11:57
  shared.
• 11:57
  After
• 11:58
  joining
• 11:58
  our
• 11:58
  community,
• 11:59
  I
• 11:59
  didn't
• 12:00
  expect
• 12:00
  to
• 12:00
  find
• 12:00
  family
• 12:00
  here.
• 12:01
  Ralph.
• 12:01
  I
• 12:01
  signed
• 12:02
  up
• 12:02
  for
• 12:02
  help,
• 12:02
  but
• 12:03
  I
• 12:03
  stayed
• 12:03
  because
• 12:04
  I
• 12:04
  felt
• 12:04
  cared
• 12:05
  for.
• 12:05
  The
• 12:06
  accountability
• 12:06
  keeps
• 12:07
  me
• 12:07
  moving.
• 12:07
  That
• 12:07
  the
• 12:08
  prayers
• 12:09
  meet
• 12:09
  me
• 12:09
  at
• 12:09
  my
• 12:09
  lowest
• 12:10
  points
• 12:10
  and
• 12:10
  the
• 12:10
  daily
• 12:11
  prompts
• 12:11
  set
• 12:12
  my
• 12:12
  heart
• 12:12
  straight.
• 12:13
  And
• 12:13
  the
• 12:14
  best
• 12:14
  part?
• 12:14
  It's
• 12:14
  completely
• 12:15
  free.
• 12:15
  There's
• 12:15
  never
• 12:16
  pressure,
• 12:16
  just
• 12:16
  opportunities
• 12:17
  to
• 12:17
  give
• 12:17
  if
• 12:17
  you
• 12:17
  feel
• 12:18
  led.
• 12:19
  God,
• 12:19
  use
• 12:19
  this
• 12:20
  community
• 12:20
  to
• 12:20
  strengthen
• 12:20
  me
• 12:21
  in
• 12:21
  ways
• 12:21
  I
• 12:21
  didn't
• 12:21
  know
• 12:22
  I
• 12:22
  even
• 12:22
  needed.
• 12:24
  Friend,
• 12:24
  you're
• 12:25
  welcome
• 12:25
  here
• 12:25
  too.
• 12:25
  I
• 12:25
  want
• 12:26
  to
• 12:26
  encourage
• 12:26
  you.
• 12:26
  Come
• 12:26
  and
• 12:26
  join
• 12:27
  us
• 12:28
  at
• 12:28
  financiallyconfidentchristian.com/join.
• 12:31
  That's
• 12:32
  financiallyconfidentchristian.com/join
• 12:36
  friend,
• 12:36
  you
• 12:36
  don't
• 12:36
  need
• 12:36
  perfection
• 12:37
  to
• 12:37
  begin
• 12:37
  this
• 12:37
  new
• 12:38
  year.
• 12:38
  Well,
• 12:39
  you
• 12:39
  just
• 12:39
  need
• 12:39
  a
• 12:39
  fresh
• 12:40
  start
• 12:40
  and
• 12:40
  God's
• 12:41
  already
• 12:41
  handed
• 12:41
  it
• 12:42
  to
• 12:42
  you.
• 12:43
  Walk
• 12:43
  into
• 12:43
  2026
• 12:44
  with
• 12:44
  Mercy
• 12:45
  in
• 12:45
  your
• 12:45
  heart,
• 12:46
  clarity
• 12:46
  in
• 12:46
  your
• 12:46
  mind,
• 12:47
  and
• 12:47
  peace
• 12:48
  in
• 12:48
  your
• 12:48
  spirit.
• 12:48
  Because
• 12:48
  you
• 12:49
  can
• 12:49
  do
• 12:49
  this.
• 12:49
  You
• 12:49
  truly
• 12:50
  can
• 12:50
  do
• 12:50
  this.
• 12:52
  Go
• 12:52
  out
• 12:52
  there
• 12:52
  and
• 12:52
  be
• 12:52
  a
• 12:53
  financially
• 12:53
  confident
• 12:54
  Christian.
• 12:54
  Stay
• 12:55
  financially
• 12:55
  savvy.
• 12:56
  God
• 12:56
  bless
• 12:56
  you.
• 12:56
  And
• 12:57
  again,
• 12:57
  Happy
• 12:57
  New
• 12:57
  Year
• 12:58
  and
• 12:58
  I'll
• 12:58
  see
• 12:59
  you
• 12:59
  again
• 12:59
  tomorrow.