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How Do You Make $1,100 Grow Without a Finance Degree? · Becoming Financially Confident

• 0:37
  Maybe
• 0:37
  this
• 0:37
  is
• 0:38
  where
• 0:38
  you
• 0:38
  are
• 0:38
  right
• 0:38
  now.
• 0:39
  You
• 0:39
  got
• 0:39
  a
• 0:39
  little
• 0:40
  money
• 0:40
  in
• 0:40
  the
• 0:40
  bank,
• 0:40
  not
• 0:41
  a
• 0:41
  fortune.
• 0:42
  Not
• 0:42
  enough
• 0:42
  to
• 0:42
  change
• 0:43
  your
• 0:43
  life
• 0:43
  overnight,
• 0:44
  but
• 0:45
  enough
• 0:45
  to
• 0:45
  make
• 0:45
  you
• 0:45
  pause
• 0:46
  and
• 0:46
  think,
• 0:47
  I
• 0:47
  really
• 0:47
  don't
• 0:48
  want
• 0:48
  to
• 0:48
  mess
• 0:48
  this
• 0:48
  up.
• 0:49
  I
• 0:49
  want
• 0:50
  to
• 0:50
  be
• 0:50
  responsible.
• 0:51
  I
• 0:52
  want
• 0:52
  to
• 0:52
  be
• 0:52
  wise.
• 0:53
  I
• 0:53
  want
• 0:54
  to
• 0:54
  do
• 0:54
  something
• 0:54
  that
• 0:54
  helps
• 0:55
  my
• 0:55
  future
• 0:55
  instead
• 0:56
  of
• 0:56
  disappearing
• 0:57
  on
• 0:57
  stuff
• 0:57
  I
• 0:57
  won't
• 0:57
  remember
• 0:58
  a
• 0:58
  year
• 0:58
  from
• 0:59
  now.
• 1:00
  And
• 1:00
  you
• 1:00
  start
• 1:00
  hearing
• 1:01
  words
• 1:01
  like
• 1:01
  investing,
• 1:02
  compound
• 1:03
  interest,
• 1:04
  Roth
• 1:05
  ira,
• 1:06
  high
• 1:06
  yield
• 1:07
  savings,
• 1:07
  index
• 1:08
  funds.
• 1:09
  And
• 1:09
  something
• 1:10
  suddenly,
• 1:11
  something
• 1:11
  that
• 1:11
  feels
• 1:12
  simple
• 1:13
  starts
• 1:13
  feeling
• 1:13
  intimidating,
• 1:15
  and
• 1:15
  the
• 1:15
  real
• 1:15
  question
• 1:16
  becomes
• 1:16
  this.
• 1:17
  How
• 1:18
  do
• 1:18
  you
• 1:18
  start
• 1:18
  handling
• 1:18
  money
• 1:19
  wisely
• 1:19
  when
• 1:20
  you're
• 1:20
  young,
• 1:21
  you
• 1:21
  don't
• 1:21
  know
• 1:21
  the
• 1:21
  terminology
• 1:22
  and
• 1:23
  you're
• 1:23
  afraid
• 1:23
  one
• 1:24
  wrong
• 1:24
  move
• 1:25
  will
• 1:25
  set
• 1:25
  you
• 1:25
  back.
• 1:26
  That's
• 1:26
  what
• 1:27
  we're
• 1:27
  going
• 1:27
  to
• 1:27
  cover
• 1:27
  on
• 1:27
  today's.
• 1:34
  Division.
• 1:35
  Oh,
• 1:35
  o.
• 1:37
  Hello,
• 1:37
  friend.
• 1:38
  I'm
• 1:38
  Ralph
• 1:38
  Estep
• 1:39
  Jr.
• 1:39
  And
• 1:39
  I
• 1:39
  want
• 1:40
  to
• 1:40
  welcome
• 1:40
  you
• 1:40
  to
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian
• 1:42
  Today.
• 1:43
  We're
• 1:43
  talking
• 1:43
  about
• 1:43
  what
• 1:43
  to
• 1:44
  do
• 1:44
  when
• 1:44
  you're
• 1:44
  just
• 1:45
  getting
• 1:45
  started
• 1:45
  with
• 1:46
  money
• 1:46
  and
• 1:46
  you
• 1:46
  want
• 1:46
  to
• 1:47
  make
• 1:47
  a
• 1:47
  wise
• 1:47
  financial
• 1:48
  decision
• 1:48
  without
• 1:49
  feeling
• 1:49
  lost
• 1:49
  in
• 1:50
  financial
• 1:50
  jargon.
• 1:52
  If
• 1:52
  you
• 1:52
  ever
• 1:52
  felt
• 1:52
  like
• 1:53
  everyone
• 1:53
  else
• 1:53
  got
• 1:53
  a
• 1:53
  handbook
• 1:54
  on
• 1:54
  money
• 1:54
  and
• 1:55
  you
• 1:55
  didn't,
• 1:55
  you're
• 1:56
  not
• 1:56
  alone.
• 1:56
  Let
• 1:57
  me
• 1:57
  get
• 1:57
  to
• 1:57
  today's
• 1:57
  listener
• 1:58
  question.
• 1:58
  Listener
• 1:59
  writes
• 1:59
  this.
• 1:59
  Hey,
• 2:00
  Ralph,
• 2:00
  I'm
• 2:01
  18.
• 2:01
  I
• 2:01
  just
• 2:02
  graduated,
• 2:03
  and
• 2:03
  I'm
• 2:03
  sitting
• 2:03
  on
• 2:04
  about
• 2:04
  $1,100
• 2:05
  from
• 2:05
  graduation
• 2:05
  gifts.
• 2:07
  I
• 2:07
  don't
• 2:07
  know
• 2:07
  much
• 2:08
  about
• 2:08
  finances
• 2:08
  or
• 2:09
  investing
• 2:09
  or
• 2:09
  any
• 2:09
  of
• 2:10
  that.
• 2:10
  I
• 2:11
  didn't
• 2:11
  do
• 2:11
  great
• 2:11
  in
• 2:11
  finance
• 2:12
  classes,
• 2:12
  and
• 2:13
  I'm
• 2:13
  honestly
• 2:13
  pretty
• 2:14
  intimidated
• 2:14
  by
• 2:14
  all
• 2:15
  the
• 2:15
  terms
• 2:15
  and
• 2:15
  the
• 2:15
  options
• 2:16
  out
• 2:16
  there.
• 2:17
  I've
• 2:17
  already
• 2:17
  put
• 2:18
  money
• 2:18
  in
• 2:18
  a
• 2:18
  savings
• 2:19
  account,
• 2:19
  but
• 2:20
  I
• 2:20
  know
• 2:20
  that's
• 2:20
  not
• 2:20
  really
• 2:21
  growing
• 2:21
  yet.
• 2:22
  I'm
• 2:22
  starting
• 2:22
  to
• 2:22
  look
• 2:22
  for
• 2:23
  a
• 2:23
  job,
• 2:23
  but
• 2:23
  I
• 2:23
  don't
• 2:24
  have
• 2:24
  one
• 2:24
  yet,
• 2:24
  and
• 2:25
  I'm
• 2:25
  heading
• 2:25
  to
• 2:25
  college
• 2:26
  soon.
• 2:27
  I
• 2:27
  want
• 2:27
  to
• 2:27
  do
• 2:27
  something
• 2:28
  smart
• 2:28
  with
• 2:28
  this
• 2:28
  money
• 2:29
  instead
• 2:29
  of
• 2:29
  just
• 2:29
  letting
• 2:30
  it
• 2:30
  sit
• 2:30
  there.
• 2:31
  But
• 2:31
  I
• 2:31
  don't
• 2:31
  want
• 2:32
  to
• 2:32
  make
• 2:32
  a
• 2:32
  mistake
• 2:32
  because
• 2:33
  I
• 2:33
  really
• 2:33
  don't
• 2:33
  understand
• 2:34
  what
• 2:34
  I'm
• 2:34
  doing.
• 2:35
  Ralph,
• 2:36
  how
• 2:36
  do
• 2:36
  I
• 2:36
  make
• 2:36
  this
• 2:36
  $1,100
• 2:37
  grow
• 2:38
  without
• 2:38
  needing
• 2:39
  a
• 2:39
  finance
• 2:39
  degree
• 2:40
  to
• 2:40
  figure
• 2:40
  it
• 2:40
  out?
• 2:41
  What
• 2:42
  a
• 2:42
  great
• 2:42
  question.
• 2:43
  And
• 2:43
  I
• 2:43
  actually
• 2:44
  have
• 2:44
  a
• 2:44
  finance
• 2:44
  degree,
• 2:45
  so
• 2:45
  guess
• 2:45
  what?
• 2:45
  I
• 2:45
  can
• 2:46
  help
• 2:46
  you.
• 2:47
  But
• 2:47
  let's
• 2:47
  start
• 2:47
  with
• 2:47
  this.
• 2:48
  Your
• 2:48
  first
• 2:49
  smart
• 2:49
  money
• 2:49
  move
• 2:50
  isn't
• 2:50
  about
• 2:50
  chasing
• 2:51
  the
• 2:51
  biggest
• 2:51
  return.
• 2:52
  So
• 2:52
  many
• 2:52
  people
• 2:52
  get
• 2:53
  stuck
• 2:53
  on
• 2:53
  that.
• 2:54
  It's
• 2:54
  about
• 2:55
  building
• 2:55
  a
• 2:55
  simple,
• 2:56
  steady
• 2:56
  foundation
• 2:57
  that
• 2:57
  you
• 2:57
  can
• 2:57
  actually
• 2:58
  understand
• 2:59
  and
• 2:59
  maintain.
• 3:01
  So
• 3:01
  you're
• 3:01
  asking
• 3:01
  a
• 3:02
  wise
• 3:02
  question.
• 3:03
  A
• 3:03
  lot
• 3:03
  of
• 3:04
  people
• 3:04
  get
• 3:04
  money
• 3:04
  and
• 3:04
  spend
• 3:05
  it
• 3:05
  quickly
• 3:05
  because
• 3:05
  they
• 3:05
  don't
• 3:06
  want
• 3:06
  to
• 3:06
  think
• 3:06
  about
• 3:07
  it.
• 3:07
  But
• 3:07
  I
• 3:07
  love
• 3:08
  the
• 3:08
  fact
• 3:08
  that
• 3:08
  you're
• 3:08
  Slowing
• 3:09
  down
• 3:09
  and
• 3:09
  you're
• 3:10
  trying
• 3:10
  to
• 3:10
  steward
• 3:10
  well,
• 3:11
  and
• 3:11
  that's
• 3:12
  a
• 3:12
  really
• 3:12
  good
• 3:12
  start.
• 3:13
  At
• 3:14
  18,
• 3:15
  your
• 3:15
  win
• 3:15
  isn't
• 3:16
  becoming
• 3:16
  an
• 3:16
  expert
• 3:17
  overnight.
• 3:18
  Your
• 3:18
  win
• 3:18
  is
• 3:19
  learning
• 3:19
  how
• 3:19
  to
• 3:19
  make
• 3:19
  understandable
• 3:20
  decisions
• 3:21
  with
• 3:21
  the
• 3:21
  money
• 3:21
  in
• 3:21
  front
• 3:22
  of
• 3:22
  you.
• 3:22
  So
• 3:23
  how
• 3:23
  do
• 3:23
  you
• 3:23
  do
• 3:23
  that?
• 3:24
  First
• 3:24
  thing
• 3:24
  I'm
• 3:24
  going
• 3:24
  to
• 3:24
  encourage
• 3:25
  you
• 3:25
  to
• 3:25
  do
• 3:26
  is
• 3:26
  start
• 3:26
  with
• 3:26
  safety
• 3:27
  before
• 3:27
  growth.
• 3:28
  You
• 3:29
  mentioned
• 3:29
  you
• 3:29
  don't
• 3:29
  have
• 3:29
  a
• 3:29
  job
• 3:30
  yet
• 3:30
  and
• 3:30
  you're
• 3:31
  heading
• 3:31
  into
• 3:31
  a
• 3:31
  new
• 3:32
  season
• 3:32
  college.
• 3:33
  So
• 3:33
  liquidity
• 3:34
  matters.
• 3:35
  Now
• 3:35
  you
• 3:35
  might
• 3:35
  be
• 3:36
  saying,
• 3:36
  Ralph,
• 3:36
  okay,
• 3:36
  you've
• 3:36
  already
• 3:37
  nailed
• 3:37
  me
• 3:37
  with
• 3:37
  the
• 3:37
  jargon.
• 3:38
  What
• 3:38
  does
• 3:38
  liquidity
• 3:39
  mean?
• 3:39
  Liquidity
• 3:40
  just
• 3:40
  means
• 3:40
  you
• 3:41
  can
• 3:41
  get
• 3:41
  to
• 3:41
  the
• 3:41
  money
• 3:42
  easily
• 3:42
  if
• 3:42
  you
• 3:43
  need
• 3:43
  it.
• 3:44
  And
• 3:44
  that's
• 3:44
  one
• 3:44
  of
• 3:44
  the
• 3:44
  things
• 3:44
  I
• 3:45
  think
• 3:45
  is
• 3:45
  really
• 3:45
  important
• 3:46
  for
• 3:46
  you
• 3:46
  right
• 3:46
  now.
• 3:47
  College
• 3:48
  for
• 3:48
  most
• 3:48
  people
• 3:49
  brings
• 3:49
  surprise
• 3:50
  costs.
• 3:51
  You've
• 3:51
  got
• 3:51
  cost
• 3:51
  of
• 3:52
  books,
• 3:53
  supplies,
• 3:53
  travel,
• 3:54
  hey,
• 3:54
  you
• 3:54
  gotta
• 3:55
  eat
• 3:56
  fees
• 3:56
  and
• 3:56
  all
• 3:57
  kinds
• 3:57
  of
• 3:57
  things
• 3:57
  that
• 3:57
  show
• 3:58
  up
• 3:58
  fast.
• 3:59
  That
• 3:59
  means
• 3:59
  the
• 3:59
  money
• 4:00
  may
• 4:00
  need
• 4:00
  to
• 4:00
  serve
• 4:01
  as
• 4:01
  a
• 4:01
  starter
• 4:01
  emergency
• 4:02
  cushion
• 4:02
  before
• 4:03
  it
• 4:03
  serves
• 4:03
  as
• 4:03
  an
• 4:04
  investment
• 4:04
  account
• 4:05
  long
• 4:05
  term.
• 4:06
  And
• 4:06
  here's
• 4:06
  the
• 4:06
  problem.
• 4:07
  If
• 4:07
  you
• 4:07
  invest
• 4:07
  that
• 4:08
  money
• 4:08
  and
• 4:09
  you
• 4:09
  need
• 4:09
  it
• 4:09
  in
• 4:09
  a
• 4:09
  few
• 4:09
  months,
• 4:10
  you
• 4:10
  might
• 4:10
  end
• 4:11
  up
• 4:11
  being
• 4:11
  forced
• 4:11
  to
• 4:12
  make
• 4:12
  a
• 4:12
  sale
• 4:12
  at
• 4:12
  the
• 4:13
  wrong
• 4:13
  time.
• 4:13
  If
• 4:13
  you
• 4:13
  buy
• 4:14
  some
• 4:14
  stocks
• 4:14
  with
• 4:14
  that
• 4:15
  money
• 4:15
  that's
• 4:16
  needed
• 4:16
  shouldn't
• 4:16
  be
• 4:17
  put
• 4:17
  somewhere
• 4:17
  risky
• 4:18
  just
• 4:18
  because
• 4:18
  growth
• 4:18
  sounds
• 4:19
  exciting.
• 4:21
  So
• 4:21
  before
• 4:21
  money
• 4:21
  grows
• 4:22
  well,
• 4:22
  it
• 4:22
  needs
• 4:23
  to
• 4:23
  be
• 4:23
  placed
• 4:24
  wisely.
• 4:24
  That's
• 4:24
  the
• 4:24
  first
• 4:25
  takeaway.
• 4:26
  What's
• 4:26
  the
• 4:26
  second
• 4:26
  thing
• 4:26
  I'm
• 4:27
  going
• 4:27
  to
• 4:27
  tell
• 4:27
  you
• 4:27
  to
• 4:27
  do
• 4:27
  is
• 4:28
  keep
• 4:28
  it
• 4:28
  simple.
• 4:29
  You
• 4:29
  don't
• 4:29
  have
• 4:29
  to
• 4:30
  confuse
• 4:30
  boring
• 4:30
  with
• 4:31
  bad.
• 4:31
  So
• 4:31
  many
• 4:31
  people
• 4:32
  think,
• 4:32
  well,
• 4:32
  if
• 4:32
  it's
• 4:33
  boring,
• 4:33
  it
• 4:33
  must
• 4:33
  be
• 4:34
  a
• 4:34
  bad
• 4:34
  decision.
• 4:35
  Right
• 4:35
  now.
• 4:36
  A
• 4:36
  high
• 4:37
  yield
• 4:37
  savings
• 4:37
  account,
• 4:38
  one
• 4:38
  of
• 4:38
  the
• 4:38
  smartest
• 4:39
  places
• 4:39
  for
• 4:39
  your
• 4:40
  money.
• 4:40
  What
• 4:40
  is
• 4:41
  a
• 4:41
  high
• 4:41
  yield
• 4:41
  savings
• 4:42
  account?
• 4:42
  It's
• 4:42
  just
• 4:42
  a
• 4:43
  savings
• 4:43
  account
• 4:43
  that
• 4:44
  usually
• 4:44
  pays
• 4:44
  more
• 4:45
  interest
• 4:45
  than
• 4:45
  a
• 4:45
  basic
• 4:46
  savings
• 4:47
  account
• 4:47
  at
• 4:47
  a
• 4:47
  bank.
• 4:48
  Now
• 4:48
  this
• 4:48
  isn't
• 4:49
  going
• 4:49
  to
• 4:49
  make
• 4:49
  you
• 4:49
  rich,
• 4:50
  but
• 4:50
  it'll
• 4:50
  keep
• 4:51
  your
• 4:51
  money
• 4:51
  safe,
• 4:52
  it'll
• 4:52
  keep
• 4:52
  your
• 4:52
  money
• 4:53
  available,
• 4:53
  and
• 4:54
  it'll
• 4:54
  keep
• 4:54
  your
• 4:54
  money
• 4:55
  earning
• 4:55
  something
• 4:55
  while
• 4:55
  you
• 4:56
  learn
• 4:56
  the
• 4:56
  ropes.
• 4:58
  There's
• 4:58
  nothing
• 4:58
  unspiritual,
• 5:00
  unimpressive
• 5:00
  or
• 5:01
  immature
• 5:01
  about
• 5:01
  choosing
• 5:02
  safety
• 5:03
  first
• 5:03
  when
• 5:03
  your
• 5:04
  situation
• 5:04
  still
• 5:04
  has
• 5:05
  a
• 5:05
  lot
• 5:05
  of
• 5:05
  unknowns.
• 5:05
  And
• 5:06
  friend,
• 5:06
  you
• 5:06
  got
• 5:06
  a
• 5:06
  lot
• 5:06
  of
• 5:07
  unknowns.
• 5:08
  Because
• 5:08
  sometimes
• 5:09
  wisdom
• 5:09
  looks
• 5:10
  less
• 5:10
  exciting
• 5:10
  than
• 5:10
  people
• 5:11
  online
• 5:11
  make
• 5:11
  it
• 5:11
  sound.
• 5:12
  You're
• 5:12
  probably
• 5:12
  hearing
• 5:13
  people
• 5:13
  on
• 5:13
  TikTok
• 5:14
  and,
• 5:14
  and
• 5:14
  all
• 5:14
  the
• 5:14
  different
• 5:15
  platforms
• 5:15
  say,
• 5:15
  oh,
• 5:16
  go
• 5:16
  buy
• 5:16
  this
• 5:16
  and
• 5:16
  go
• 5:17
  invest
• 5:17
  in
• 5:17
  this.
• 5:18
  But
• 5:18
  simple
• 5:19
  is
• 5:19
  powerful
• 5:20
  when
• 5:20
  simple
• 5:21
  protects
• 5:21
  you
• 5:21
  from
• 5:21
  avoidable
• 5:22
  mistakes.
• 5:24
  If
• 5:24
  your
• 5:24
  current
• 5:24
  savings
• 5:25
  account
• 5:25
  pays
• 5:25
  very
• 5:26
  little,
• 5:26
  which
• 5:26
  is
• 5:26
  what
• 5:26
  you
• 5:27
  said
• 5:27
  I'm
• 5:27
  in,
• 5:27
  a
• 5:27
  savings
• 5:28
  account
• 5:28
  is
• 5:28
  not
• 5:28
  paying
• 5:29
  much.
• 5:29
  Go
• 5:30
  look
• 5:30
  at
• 5:30
  what
• 5:30
  you
• 5:30
  could
• 5:30
  get
• 5:31
  in
• 5:31
  a
• 5:31
  High
• 5:31
  Yield
• 5:32
  Savings
• 5:32
  account.
• 5:32
  But
• 5:32
  here's
• 5:33
  the
• 5:33
  thing.
• 5:33
  Look
• 5:34
  for
• 5:34
  FDIC
• 5:35
  or
• 5:35
  NCUA
• 5:36
  protection.
• 5:37
  NCUA
• 5:38
  is
• 5:38
  for
• 5:38
  credit
• 5:39
  unions.
• 5:39
  FDIC
• 5:40
  is
• 5:40
  for
• 5:40
  banks.
• 5:41
  Look
• 5:41
  for
• 5:41
  no
• 5:42
  monthly
• 5:42
  fees
• 5:42
  and
• 5:43
  easy
• 5:43
  online
• 5:44
  access.
• 5:46
  Now,
• 5:46
  as
• 5:46
  you
• 5:47
  talked
• 5:47
  about
• 5:47
  investing,
• 5:48
  you
• 5:48
  don't
• 5:49
  invest
• 5:49
  until
• 5:49
  the
• 5:50
  season
• 5:50
  and
• 5:50
  the
• 5:51
  purpose
• 5:51
  are
• 5:51
  clear.
• 5:52
  I
• 5:52
  will
• 5:52
  never
• 5:53
  tell
• 5:53
  you
• 5:53
  that
• 5:53
  investing
• 5:54
  isn't
• 5:54
  a
• 5:54
  good
• 5:54
  tool.
• 5:54
  It's
• 5:55
  a
• 5:55
  great
• 5:55
  tool,
• 5:56
  but
• 5:56
  it
• 5:56
  works
• 5:57
  best
• 5:57
  when
• 5:57
  the
• 5:57
  money
• 5:57
  can
• 5:58
  stay
• 5:58
  put
• 5:58
  for
• 5:59
  years.
• 5:59
  You
• 5:59
  probably
• 6:00
  heard
• 6:00
  this.
• 6:00
  You're
• 6:00
  young,
• 6:01
  but
• 6:01
  you've
• 6:01
  heard
• 6:01
  this
• 6:01
  thing.
• 6:02
  I'm
• 6:02
  going
• 6:02
  to
• 6:02
  put
• 6:02
  the
• 6:02
  money
• 6:03
  now
• 6:03
  and
• 6:03
  not
• 6:03
  have
• 6:03
  to
• 6:03
  get
• 6:04
  it
• 6:04
  for
• 6:04
  a
• 6:04
  while.
• 6:05
  That's
• 6:05
  the
• 6:05
  whole
• 6:05
  point.
• 6:07
  Since
• 6:07
  you're
• 6:07
  starting
• 6:07
  college
• 6:08
  and
• 6:08
  you
• 6:08
  don't
• 6:08
  have
• 6:09
  any
• 6:09
  income
• 6:09
  yet,
• 6:10
  you
• 6:10
  don't
• 6:11
  honestly
• 6:11
  know
• 6:11
  what
• 6:11
  this
• 6:11
  money
• 6:12
  needs
• 6:12
  to
• 6:12
  do
• 6:12
  in
• 6:12
  the
• 6:12
  next
• 6:13
  six
• 6:13
  to
• 6:13
  12
• 6:13
  months.
• 6:14
  I'm
• 6:14
  not
• 6:14
  trying
• 6:14
  to
• 6:15
  put
• 6:15
  a
• 6:15
  negative
• 6:15
  on
• 6:15
  it,
• 6:15
  but
• 6:15
  $1,100
• 6:16
  is
• 6:16
  not
• 6:17
  a
• 6:17
  lot
• 6:17
  of
• 6:17
  money
• 6:17
  for
• 6:17
  somebody
• 6:18
  going
• 6:18
  into
• 6:18
  college.
• 6:19
  This
• 6:19
  money
• 6:20
  might
• 6:20
  help
• 6:20
  you
• 6:20
  with
• 6:20
  books,
• 6:21
  as
• 6:21
  we
• 6:21
  said
• 6:22
  earlier.
• 6:22
  It
• 6:22
  might
• 6:22
  help
• 6:22
  you
• 6:22
  with
• 6:23
  transportation
• 6:24
  or
• 6:24
  even
• 6:24
  an
• 6:24
  emergency
• 6:25
  fund.
• 6:26
  So
• 6:26
  keeping
• 6:27
  it
• 6:27
  safe
• 6:27
  right
• 6:27
  now
• 6:28
  matters
• 6:28
  more
• 6:28
  than
• 6:28
  chasing
• 6:29
  some
• 6:29
  high
• 6:29
  return.
• 6:31
  Once
• 6:31
  you
• 6:31
  get
• 6:31
  more
• 6:32
  earned
• 6:32
  income,
• 6:33
  you
• 6:33
  you'll
• 6:33
  have
• 6:33
  a
• 6:33
  little
• 6:34
  bit
• 6:34
  more
• 6:34
  stability,
• 6:34
  more
• 6:35
  flexibility.
• 6:35
  Then
• 6:36
  you
• 6:36
  can
• 6:36
  start
• 6:36
  learning
• 6:37
  about
• 6:37
  some
• 6:37
  beginner
• 6:38
  investing
• 6:38
  options.
• 6:39
  If
• 6:40
  you
• 6:40
  missed
• 6:40
  yesterday's
• 6:41
  show,
• 6:41
  we
• 6:41
  talked
• 6:41
  all
• 6:41
  about
• 6:41
  Roth
• 6:42
  iras.
• 6:42
  That
• 6:42
  might
• 6:43
  be
• 6:43
  a
• 6:43
  great
• 6:43
  place
• 6:43
  for
• 6:43
  you
• 6:43
  to
• 6:44
  start
• 6:44
  because
• 6:44
  then
• 6:45
  your
• 6:45
  money
• 6:45
  can
• 6:45
  grow
• 6:45
  over
• 6:46
  time
• 6:46
  and
• 6:46
  has
• 6:46
  some
• 6:46
  tax
• 6:47
  advantages.
• 6:48
  If
• 6:48
  you
• 6:48
  missed
• 6:48
  yesterday,
• 6:49
  a
• 6:49
  Roth
• 6:49
  IRA
• 6:50
  is
• 6:50
  a
• 6:50
  retirement
• 6:51
  account
• 6:51
  where
• 6:52
  money
• 6:52
  you
• 6:52
  contribute
• 6:53
  can
• 6:53
  grow
• 6:53
  tax
• 6:53
  free
• 6:54
  for
• 6:54
  the
• 6:54
  future
• 6:55
  as
• 6:55
  long
• 6:55
  as
• 6:55
  you
• 6:55
  follow
• 6:56
  the
• 6:56
  rules.
• 6:57
  But
• 6:57
  I'm
• 6:57
  not
• 6:57
  telling
• 6:57
  you
• 6:57
  to
• 6:58
  start
• 6:58
  there
• 6:58
  today
• 6:59
  just
• 6:59
  because
• 6:59
  it
• 6:59
  sounds
• 7:00
  grown
• 7:00
  up.
• 7:01
  You
• 7:01
  don't
• 7:01
  need
• 7:01
  to
• 7:01
  do
• 7:01
  the
• 7:02
  advanced
• 7:02
  thing
• 7:02
  first.
• 7:03
  You
• 7:03
  need
• 7:03
  to
• 7:03
  do
• 7:03
  the
• 7:04
  wise
• 7:04
  thing
• 7:04
  first.
• 7:05
  So
• 7:06
  use
• 7:06
  this
• 7:06
  money
• 7:06
  to
• 7:07
  build
• 7:07
  confidence,
• 7:08
  not
• 7:08
  just
• 7:08
  interest.
• 7:10
  This
• 7:10
  eleven
• 7:10
  hundred
• 7:11
  dollars
• 7:11
  isn't
• 7:11
  only
• 7:12
  about
• 7:12
  dollars.
• 7:13
  And
• 7:14
  that's
• 7:14
  why
• 7:14
  I
• 7:14
  love
• 7:14
  your
• 7:14
  question.
• 7:15
  It's
• 7:15
  also
• 7:16
  about
• 7:16
  habits.
• 7:17
  If
• 7:17
  you
• 7:18
  handle
• 7:18
  this
• 7:18
  well,
• 7:19
  you're
• 7:19
  going
• 7:19
  to
• 7:19
  start
• 7:19
  building
• 7:20
  a
• 7:20
  relationship
• 7:20
  with
• 7:20
  money
• 7:21
  that's
• 7:21
  calm
• 7:22
  and
• 7:22
  intentional.
• 7:24
  Part
• 7:24
  of
• 7:24
  growth
• 7:24
  is
• 7:25
  financial.
• 7:25
  Of
• 7:26
  course
• 7:26
  it
• 7:26
  is,
• 7:27
  but
• 7:27
  part
• 7:27
  of
• 7:27
  it's
• 7:28
  personal.
• 7:29
  You're
• 7:29
  going
• 7:29
  to
• 7:29
  start
• 7:29
  to
• 7:29
  learn
• 7:30
  how
• 7:30
  accounts
• 7:30
  work.
• 7:31
  You're
• 7:31
  going
• 7:31
  to
• 7:31
  learn
• 7:31
  how
• 7:32
  to
• 7:32
  compare
• 7:32
  options.
• 7:33
  You're
• 7:33
  going
• 7:33
  to
• 7:33
  learn
• 7:34
  how
• 7:34
  to
• 7:34
  wait
• 7:34
  before
• 7:34
  making
• 7:35
  a
• 7:35
  decision.
• 7:36
  That
• 7:36
  kind
• 7:36
  of
• 7:37
  patience
• 7:37
  will
• 7:37
  save
• 7:38
  you
• 7:38
  far
• 7:38
  more
• 7:38
  than
• 7:39
  expensive
• 7:39
  mistakes
• 7:40
  later.
• 7:41
  Your
• 7:41
  first
• 7:41
  win
• 7:42
  with
• 7:42
  money
• 7:42
  is
• 7:42
  not
• 7:43
  return,
• 7:44
  it's
• 7:44
  responsibility.
• 7:45
  So
• 7:45
  how
• 7:45
  do
• 7:45
  you
• 7:46
  get
• 7:46
  that
• 7:46
  responsibility?
• 7:46
  I'm
• 7:47
  going
• 7:47
  to
• 7:47
  encourage
• 7:47
  you
• 7:47
  right
• 7:47
  now,
• 7:48
  go
• 7:48
  read
• 7:49
  one
• 7:49
  good
• 7:49
  beginner
• 7:50
  personal
• 7:50
  finance
• 7:50
  book.
• 7:51
  I'll
• 7:51
  put
• 7:51
  a
• 7:51
  link
• 7:52
  to
• 7:52
  my
• 7:52
  book
• 7:52
  called
• 7:53
  Mastering
• 7:53
  youg
• 7:53
  Finances
• 7:54
  in
• 7:54
  the
• 7:54
  show
• 7:54
  Notes.
• 7:55
  It's
• 7:55
  a
• 7:55
  great
• 7:55
  place
• 7:55
  to
• 7:56
  start
• 7:56
  and
• 7:56
  it's
• 7:56
  a
• 7:57
  short
• 7:57
  read,
• 7:57
  but
• 7:57
  it'll
• 7:57
  give
• 7:58
  you
• 7:58
  a
• 7:58
  lot
• 7:58
  of
• 7:58
  information.
• 7:59
  I'll
• 8:00
  encourage
• 8:00
  you
• 8:00
  to
• 8:00
  follow
• 8:00
  one
• 8:01
  trustworthy
• 8:01
  source.
• 8:01
  Hey,
• 8:02
  keep
• 8:02
  tuning
• 8:02
  into
• 8:02
  the
• 8:03
  show
• 8:03
  instead
• 8:04
  of
• 8:04
  listening
• 8:04
  to
• 8:04
  20
• 8:04
  loud
• 8:05
  voices
• 8:05
  online.
• 8:06
  And
• 8:07
  friend,
• 8:07
  give
• 8:07
  yourself
• 8:08
  permission
• 8:08
  to
• 8:08
  learn
• 8:08
  slowly.
• 8:09
  No
• 8:10
  one
• 8:10
  expects
• 8:10
  you
• 8:10
  to
• 8:10
  get
• 8:11
  to
• 8:11
  this
• 8:11
  overnight.
• 8:12
  But
• 8:13
  I
• 8:13
  want
• 8:13
  you
• 8:13
  to
• 8:13
  do
• 8:13
  one
• 8:14
  more
• 8:14
  thing.
• 8:14
  I
• 8:14
  want
• 8:14
  you
• 8:15
  to
• 8:15
  make
• 8:15
  a
• 8:15
  small
• 8:15
  plan
• 8:15
  for
• 8:16
  the
• 8:16
  money
• 8:16
  you
• 8:16
  already
• 8:16
  have.
• 8:17
  If
• 8:18
  I
• 8:18
  were
• 8:18
  guiding
• 8:19
  someone
• 8:19
  in
• 8:19
  your
• 8:19
  situation,
• 8:20
  I
• 8:20
  would
• 8:20
  keep
• 8:21
  this
• 8:21
  super
• 8:21
  simple.
• 8:23
  Consider
• 8:23
  keeping
• 8:23
  mosit
• 8:24
  at
• 8:24
  $1,100
• 8:25
  in
• 8:25
  that
• 8:25
  high
• 8:25
  yield
• 8:26
  savings
• 8:26
  account.
• 8:27
  Wait
• 8:27
  till
• 8:27
  you
• 8:27
  get
• 8:28
  to
• 8:28
  college.
• 8:28
  Wait
• 8:28
  till
• 8:28
  you
• 8:29
  get
• 8:29
  that
• 8:29
  job.
• 8:30
  And
• 8:30
  listen,
• 8:30
  if
• 8:31
  you
• 8:31
  want
• 8:31
  some
• 8:31
  structure
• 8:31
  in
• 8:31
  it,
• 8:32
  you
• 8:32
  could
• 8:32
  divide
• 8:32
  it
• 8:32
  mentally
• 8:33
  into
• 8:33
  categories.
• 8:34
  Maybe
• 8:34
  you
• 8:34
  put
• 8:35
  part
• 8:35
  of
• 8:35
  it
• 8:35
  in
• 8:35
  your
• 8:35
  college
• 8:36
  surprise
• 8:36
  fund.
• 8:37
  Maybe
• 8:37
  you
• 8:37
  put
• 8:38
  some
• 8:38
  in
• 8:38
  a
• 8:38
  true
• 8:38
  emergency
• 8:39
  cushion.
• 8:40
  And
• 8:40
  maybe
• 8:40
  you
• 8:40
  have
• 8:40
  a
• 8:41
  small
• 8:41
  portion
• 8:41
  that
• 8:41
  stays
• 8:42
  for
• 8:42
  that
• 8:42
  near
• 8:42
  term
• 8:43
  need.
• 8:44
  I
• 8:44
  know
• 8:44
  it's
• 8:44
  not
• 8:44
  flashy,
• 8:45
  but
• 8:46
  it's
• 8:46
  wise.
• 8:47
  And
• 8:47
  then
• 8:48
  when
• 8:48
  future
• 8:48
  money
• 8:48
  starts
• 8:49
  coming
• 8:49
  in,
• 8:49
  then
• 8:49
  you
• 8:49
  can
• 8:50
  build
• 8:50
  a
• 8:50
  fuller
• 8:50
  plan
• 8:51
  and
• 8:51
  a
• 8:51
  full
• 8:51
  emergency
• 8:52
  savings
• 8:53
  plan,
• 8:53
  a
• 8:53
  spending
• 8:53
  plan,
• 8:54
  and
• 8:54
  eventually
• 8:55
  investing.
• 8:56
  You
• 8:57
  don't
• 8:57
  build
• 8:57
  financial
• 8:58
  confidence
• 8:58
  by
• 8:58
  moving
• 8:59
  fast.
• 9:00
  You
• 9:00
  build
• 9:00
  it
• 9:01
  by
• 9:01
  understanding
• 9:01
  your
• 9:02
  next
• 9:02
  step.
• 9:03
  So
• 9:03
  if
• 9:04
  you're
• 9:04
  asking
• 9:04
  yourself,
• 9:05
  how
• 9:05
  do
• 9:05
  I
• 9:05
  make
• 9:05
  this
• 9:06
  money
• 9:06
  grow?
• 9:06
  The
• 9:07
  honest
• 9:07
  answer
• 9:07
  is
• 9:08
  this.
• 9:08
  In
• 9:09
  this
• 9:09
  season,
• 9:10
  growing
• 9:10
  wisely
• 9:11
  may
• 9:11
  mean
• 9:11
  protecting
• 9:12
  it,
• 9:12
  earning
• 9:13
  a
• 9:13
  modest
• 9:13
  interest,
• 9:14
  and
• 9:14
  using
• 9:15
  the
• 9:15
  time
• 9:15
  to
• 9:15
  grow
• 9:15
  your
• 9:16
  understanding
• 9:17
  again.
• 9:17
  That
• 9:17
  doesn't
• 9:18
  sound
• 9:18
  dramatic,
• 9:18
  but
• 9:19
  it
• 9:19
  can
• 9:19
  be
• 9:19
  the
• 9:19
  beginning
• 9:20
  of
• 9:20
  a
• 9:20
  very
• 9:20
  healthy
• 9:21
  financial
• 9:21
  life.
• 9:22
  But
• 9:23
  now
• 9:23
  I
• 9:23
  want
• 9:23
  to
• 9:23
  take
• 9:23
  this
• 9:23
  a
• 9:23
  little
• 9:24
  deeper.
• 9:25
  Sometimes
• 9:25
  what
• 9:25
  makes
• 9:26
  money
• 9:26
  feel
• 9:26
  intimidating
• 9:27
  isn't
• 9:28
  just
• 9:28
  the
• 9:28
  math.
• 9:29
  The
• 9:29
  math
• 9:29
  is
• 9:30
  one
• 9:30
  thing.
• 9:31
  What
• 9:31
  I've
• 9:31
  seen
• 9:31
  though,
• 9:32
  it's
• 9:32
  the
• 9:32
  fear
• 9:32
  of
• 9:32
  being
• 9:33
  behind
• 9:34
  that,
• 9:34
  fear
• 9:35
  of
• 9:35
  sounding
• 9:35
  uneducated.
• 9:36
  It
• 9:36
  came
• 9:36
  through
• 9:36
  on
• 9:37
  your
• 9:37
  question
• 9:37
  today.
• 9:38
  That
• 9:38
  fear
• 9:38
  of
• 9:39
  making
• 9:39
  a
• 9:39
  mistake
• 9:39
  and
• 9:40
  proving
• 9:40
  to
• 9:40
  yourself
• 9:41
  that
• 9:41
  you're
• 9:41
  not
• 9:41
  good
• 9:41
  at
• 9:42
  this.
• 9:43
  But
• 9:43
  hear
• 9:43
  me
• 9:43
  on
• 9:43
  this.
• 9:44
  Wisdom
• 9:45
  is
• 9:45
  not
• 9:45
  reserved
• 9:46
  for
• 9:46
  people
• 9:46
  who
• 9:47
  already
• 9:47
  know
• 9:47
  all
• 9:47
  the
• 9:47
  terms.
• 9:49
  God
• 9:49
  often
• 9:49
  begins
• 9:50
  with
• 9:50
  us,
• 9:50
  with
• 9:50
  willing
• 9:51
  hearts
• 9:52
  and
• 9:52
  teachable
• 9:52
  spirits
• 9:53
  and
• 9:54
  small
• 9:54
  acts
• 9:54
  of
• 9:54
  stewardship.
• 9:56
  You're
• 9:56
  not
• 9:56
  disqualified
• 9:57
  because
• 9:57
  you're
• 9:58
  new.
• 9:58
  You're
• 9:59
  not
• 9:59
  less
• 9:59
  capable
• 9:59
  because
• 10:00
  you're
• 10:00
  still
• 10:00
  learning.
• 10:01
  Faithful
• 10:02
  stewardship
• 10:02
  usually
• 10:03
  starts
• 10:03
  small.
• 10:04
  So
• 10:04
  asking
• 10:05
  that
• 10:05
  question
• 10:05
  today,
• 10:06
  taking
• 10:07
  that
• 10:07
  pause,
• 10:07
  making
• 10:08
  that
• 10:08
  decision
• 10:08
  not
• 10:08
  to
• 10:09
  rush.
• 10:10
  And
• 10:10
  sometimes
• 10:11
  that
• 10:11
  slow
• 10:11
  beginning
• 10:12
  is
• 10:12
  exactly
• 10:13
  where
• 10:13
  God
• 10:13
  starts
• 10:13
  building
• 10:14
  confidence.
• 10:16
  You
• 10:16
  don't
• 10:17
  need
• 10:17
  a
• 10:17
  finance
• 10:17
  degree
• 10:17
  to
• 10:18
  be
• 10:18
  wise
• 10:18
  with
• 10:18
  money.
• 10:19
  You
• 10:19
  just
• 10:20
  need
• 10:20
  patience.
• 10:21
  You
• 10:21
  need
• 10:21
  humility
• 10:22
  and
• 10:22
  you
• 10:23
  need
• 10:23
  a
• 10:23
  simple
• 10:23
  plan.
• 10:24
  So
• 10:24
  here's
• 10:24
  your
• 10:24
  win
• 10:25
  for
• 10:25
  today.
• 10:25
  Check
• 10:26
  whether
• 10:26
  that
• 10:26
  savings
• 10:27
  account
• 10:27
  is
• 10:27
  paying
• 10:28
  competitive
• 10:28
  interest.
• 10:29
  If
• 10:29
  it
• 10:29
  isn't,
• 10:30
  research
• 10:30
  one
• 10:31
  reputable
• 10:31
  high
• 10:31
  yield
• 10:32
  savings
• 10:32
  account
• 10:32
  this
• 10:32
  week.
• 10:33
  Write
• 10:34
  down
• 10:34
  what
• 10:34
  that
• 10:34
  $1,100
• 10:35
  needs
• 10:35
  to
• 10:35
  do
• 10:35
  for
• 10:36
  you
• 10:36
  over
• 10:36
  the
• 10:36
  next
• 10:36
  12
• 10:36
  months
• 10:37
  before
• 10:37
  you
• 10:37
  invest
• 10:38
  a
• 10:38
  dollar.
• 10:38
  You've
• 10:38
  really
• 10:38
  got
• 10:38
  to
• 10:39
  understand
• 10:39
  what
• 10:40
  what
• 10:40
  you
• 10:40
  need.
• 10:40
  And
• 10:41
  then
• 10:41
  once
• 10:41
  you
• 10:41
  decide
• 10:41
  what
• 10:42
  you
• 10:42
  need,
• 10:42
  then
• 10:42
  you
• 10:42
  can
• 10:42
  decide
• 10:42
  where
• 10:43
  to
• 10:43
  put
• 10:43
  that
• 10:43
  money.
• 10:44
  Let's
• 10:44
  get
• 10:44
  to
• 10:44
  today's
• 10:45
  Bible
• 10:45
  verse.
• 10:45
  It
• 10:45
  comes
• 10:45
  to
• 10:46
  us
• 10:46
  from
• 10:46
  the
• 10:46
  book
• 10:46
  of
• 10:46
  Luke,
• 10:47
  chapter
• 10:47
  16,
• 10:48
  verse
• 10:48
  10.
• 10:49
  It
• 10:49
  says
• 10:50
  whoever
• 10:50
  can
• 10:50
  be
• 10:50
  trusted
• 10:51
  with
• 10:51
  very
• 10:51
  little
• 10:52
  can
• 10:52
  also
• 10:53
  be
• 10:53
  trusted
• 10:53
  with
• 10:54
  much.
• 10:54
  And
• 10:55
  whoever
• 10:55
  is
• 10:55
  dishonest
• 10:56
  with
• 10:56
  very
• 10:56
  little
• 10:57
  will
• 10:57
  also
• 10:57
  be
• 10:58
  dishonest
• 10:58
  with
• 10:58
  much.
• 11:00
  This
• 11:00
  episode
• 11:00
  really
• 11:01
  isn't
• 11:01
  about
• 11:01
  how
• 11:02
  much
• 11:02
  money
• 11:02
  you
• 11:02
  have.
• 11:03
  You
• 11:03
  said
• 11:04
  eleven
• 11:04
  hundred
• 11:04
  dollars.
• 11:06
  It's
• 11:06
  about
• 11:06
  learning
• 11:06
  how
• 11:07
  to
• 11:07
  handle
• 11:07
  a
• 11:07
  small
• 11:08
  amount
• 11:08
  faithfully.
• 11:09
  And
• 11:09
  that's
• 11:10
  often
• 11:10
  where
• 11:10
  long
• 11:10
  term
• 11:11
  wisdom
• 11:11
  begins.
• 11:12
  How
• 11:12
  about
• 11:13
  we
• 11:13
  pray
• 11:13
  for
• 11:13
  some
• 11:13
  wisdom
• 11:14
  right
• 11:14
  now?
• 11:15
  Heavenly
• 11:15
  Father,
• 11:16
  I
• 11:16
  just
• 11:16
  want
• 11:16
  to
• 11:17
  thank
• 11:17
  you
• 11:17
  for
• 11:17
  the
• 11:17
  desire
• 11:18
  to
• 11:18
  be
• 11:18
  wise
• 11:18
  even
• 11:19
  at
• 11:19
  the
• 11:19
  very
• 11:19
  beginning.
• 11:20
  And
• 11:20
  I
• 11:21
  pray
• 11:21
  for
• 11:21
  that
• 11:21
  person
• 11:21
  who's
• 11:22
  trying
• 11:22
  to
• 11:22
  do
• 11:22
  the
• 11:22
  right
• 11:23
  thing
• 11:23
  with
• 11:23
  what
• 11:23
  they've
• 11:23
  been
• 11:23
  given.
• 11:25
  But
• 11:25
  you
• 11:25
  feel
• 11:25
  intimidated,
• 11:26
  they
• 11:27
  feel
• 11:27
  uncertain
• 11:28
  and
• 11:28
  they're
• 11:29
  afraid
• 11:29
  of
• 11:29
  making
• 11:29
  the
• 11:29
  wrong
• 11:30
  choice.
• 11:31
  I
• 11:31
  just
• 11:31
  ask
• 11:31
  right
• 11:32
  now
• 11:32
  that
• 11:32
  you
• 11:32
  would
• 11:32
  give
• 11:32
  them
• 11:33
  peace
• 11:33
  instead
• 11:33
  of
• 11:34
  pressure.
• 11:34
  Lord.
• 11:35
  Give
• 11:35
  them
• 11:35
  patience
• 11:36
  to
• 11:36
  learn.
• 11:36
  Give
• 11:37
  them
• 11:37
  discernment
• 11:38
  to
• 11:38
  know
• 11:38
  when
• 11:38
  to
• 11:39
  wait
• 11:39
  and
• 11:39
  when
• 11:39
  to
• 11:39
  act,
• 11:40
  Lord.
• 11:41
  And
• 11:41
  protect
• 11:41
  them
• 11:41
  from
• 11:42
  impulsive
• 11:42
  decisions
• 11:43
  when
• 11:43
  confusing
• 11:44
  voices
• 11:44
  and
• 11:44
  that
• 11:44
  shame
• 11:45
  tells
• 11:45
  them
• 11:45
  they're
• 11:46
  already
• 11:46
  behind.
• 11:47
  Help
• 11:47
  them
• 11:47
  become
• 11:48
  a
• 11:48
  faithful
• 11:48
  steward
• 11:49
  one
• 11:49
  wise
• 11:50
  step
• 11:50
  at
• 11:50
  a
• 11:50
  time
• 11:51
  and
• 11:51
  remind
• 11:51
  them
• 11:52
  that
• 11:52
  small
• 11:52
  beginnings
• 11:53
  still
• 11:53
  matter
• 11:54
  in
• 11:54
  your
• 11:54
  hands.
• 11:55
  And
• 11:55
  we
• 11:55
  ask
• 11:56
  this
• 11:56
  in
• 11:56
  Jesus
• 11:56
  name.
• 11:58
  Amen
• 11:59
  friend.
• 12:00
  If
• 12:00
  you're
• 12:00
  young
• 12:01
  and
• 12:01
  you're
• 12:02
  learning,
• 12:02
  you're
• 12:03
  not
• 12:03
  late,
• 12:03
  you're
• 12:03
  actually
• 12:04
  early.
• 12:05
  And
• 12:05
  remember,
• 12:06
  those
• 12:06
  wise
• 12:06
  money
• 12:07
  habits
• 12:07
  that
• 12:07
  you
• 12:07
  make
• 12:07
  now
• 12:08
  will
• 12:08
  often
• 12:09
  begin
• 12:09
  with
• 12:09
  simple
• 12:10
  decisions,
• 12:11
  not
• 12:11
  complicated
• 12:12
  ones.
• 12:13
  And
• 12:13
  maybe
• 12:13
  you're
• 12:14
  starting
• 12:14
  out
• 12:14
  with
• 12:14
  money
• 12:14
  yourself
• 12:15
  and
• 12:15
  you're
• 12:15
  not
• 12:15
  sure
• 12:16
  what
• 12:16
  to
• 12:16
  do.
• 12:16
  And
• 12:17
  if
• 12:17
  you've
• 12:17
  got
• 12:17
  a
• 12:17
  question
• 12:17
  that
• 12:18
  feels
• 12:18
  too
• 12:18
  basic
• 12:19
  to
• 12:19
  send
• 12:19
  to
• 12:19
  anyone
• 12:19
  else,
• 12:20
  that's
• 12:21
  the
• 12:21
  kind
• 12:21
  of
• 12:21
  questions
• 12:21
  I
• 12:21
  want
• 12:22
  to
• 12:22
  hear
• 12:22
  from
• 12:22
  you.
• 12:23
  So
• 12:23
  send
• 12:23
  it
• 12:23
  to
• 12:23
  me@financiallyconfidentchristian.com/question
• 12:28
  there's
• 12:28
  no
• 12:28
  such
• 12:29
  thing
• 12:29
  as
• 12:29
  a
• 12:29
  dumb
• 12:29
  question
• 12:30
  when
• 12:30
  you're
• 12:30
  learning.
• 12:31
  Again,
• 12:31
  that's
• 12:31
  financiallyconfidentchristian.com/question
• 12:35
  Thank
• 12:36
  you
• 12:36
  so
• 12:36
  much
• 12:36
  for
• 12:36
  sending
• 12:37
  in
• 12:37
  your
• 12:37
  question
• 12:37
  today
• 12:38
  and
• 12:38
  I
• 12:38
  just
• 12:38
  want
• 12:38
  to
• 12:38
  encourage
• 12:39
  at
• 12:39
  18
• 12:39
  hey,
• 12:40
  you
• 12:40
  are
• 12:40
  off
• 12:40
  to
• 12:41
  a
• 12:41
  great
• 12:41
  start,
• 12:42
  so
• 12:42
  stay
• 12:42
  financially
• 12:43
  savvy.
• 12:43
  May
• 12:44
  God
• 12:44
  bless
• 12:44
  you.
• 12:45
  And
• 12:45
  you
• 12:45
  have
• 12:45
  a
• 12:46
  truly
• 12:46
  great
• 12:46
  day
• 12:46
  today.
• 12:55
  Oh,
• 12:55
  we
• 12:55
  ride.
• 13:01
  I.