Latest / Becoming Financially Confident / Automating Your Investments: Consistent Growth, Less Stress?

Transcript

Automating Your Investments: Consistent Growth, Less Stress? · Becoming Financially Confident

• 0:37
  You
• 0:37
  know,
• 0:37
  it's
• 0:38
  interesting,
• 0:38
  as
• 0:38
  I
• 0:38
  get
• 0:38
  older,
• 0:39
  I'm
• 0:39
  really
• 0:39
  starting
• 0:40
  to
• 0:40
  really
• 0:41
  embrace
• 0:41
  automation.
• 0:42
  How
• 0:43
  about
• 0:43
  you?
• 0:43
  Well,
• 0:44
  I
• 0:44
  got
• 0:44
  this
• 0:44
  listener
• 0:44
  question
• 0:45
  the
• 0:45
  other
• 0:45
  day
• 0:45
  and
• 0:45
  I
• 0:45
  thought
• 0:45
  this
• 0:46
  was
• 0:46
  perfect.
• 0:46
  As
• 0:46
  we're
• 0:47
  working
• 0:47
  through
• 0:47
  this
• 0:48
  month
• 0:48
  long
• 0:49
  talking
• 0:49
  about
• 0:49
  investments,
• 0:50
  I
• 0:50
  thought
• 0:50
  this
• 0:51
  was
• 0:51
  perfect.
• 0:51
  And
• 0:51
  this
• 0:51
  listener
• 0:52
  wrote
• 0:52
  this.
• 0:52
  She
• 0:52
  said,
• 0:52
  Ralph,
• 0:53
  I
• 0:53
  know
• 0:54
  I
• 0:54
  should
• 0:54
  be
• 0:54
  investing,
• 0:55
  but
• 0:55
  I
• 0:55
  never
• 0:56
  seem
• 0:56
  to
• 0:56
  remember
• 0:56
  to
• 0:56
  do
• 0:57
  it.
• 0:57
  Is
• 0:57
  there
• 0:58
  a
• 0:58
  way
• 0:58
  to
• 0:58
  make
• 0:58
  it
• 0:58
  easier
• 0:59
  so
• 0:59
  I
• 0:59
  don't
• 0:59
  have
• 1:00
  to
• 1:00
  think
• 1:00
  about
• 1:00
  it
• 1:00
  all
• 1:00
  the
• 1:01
  time?
• 1:01
  What
• 1:01
  a
• 1:01
  great
• 1:02
  question.
• 1:03
  Sort
• 1:03
  of
• 1:03
  that
• 1:03
  set
• 1:04
  it
• 1:04
  and
• 1:04
  forget
• 1:04
  it
• 1:04
  mentality.
• 1:05
  And
• 1:05
  if
• 1:05
  you're
• 1:06
  like
• 1:06
  me,
• 1:06
  so
• 1:06
  many
• 1:07
  people
• 1:08
  as
• 1:08
  I
• 1:08
  get
• 1:08
  older
• 1:09
  especially
• 1:10
  I
• 1:10
  just
• 1:10
  need
• 1:11
  that
• 1:11
  routine,
• 1:11
  I
• 1:11
  need
• 1:12
  that
• 1:12
  automation
• 1:13
  in
• 1:13
  my
• 1:13
  life.
• 1:14
  And
• 1:14
  truth
• 1:15
  is,
• 1:15
  sometimes
• 1:15
  the
• 1:15
  best
• 1:16
  financial
• 1:16
  decisions
• 1:17
  are
• 1:17
  the
• 1:17
  ones
• 1:17
  you
• 1:18
  don't
• 1:18
  have
• 1:18
  to
• 1:18
  make
• 1:18
  over
• 1:18
  and
• 1:18
  over
• 1:19
  again.
• 1:19
  I've
• 1:19
  learned
• 1:20
  that
• 1:20
  as
• 1:20
  I
• 1:20
  get
• 1:20
  older.
• 1:20
  I
• 1:21
  just
• 1:21
  turned
• 1:21
  53
• 1:22
  and
• 1:22
  I'm
• 1:23
  finding
• 1:23
  that
• 1:23
  the
• 1:23
  more
• 1:24
  things
• 1:24
  that
• 1:24
  I
• 1:24
  can
• 1:24
  automate
• 1:25
  my
• 1:25
  life,
• 1:25
  the
• 1:26
  better
• 1:26
  it
• 1:26
  is.
• 1:26
  And
• 1:26
  see
• 1:27
  this
• 1:27
  automation,
• 1:28
  when
• 1:28
  we
• 1:28
  really
• 1:28
  think
• 1:28
  about
• 1:29
  it,
• 1:29
  it
• 1:29
  takes
• 1:30
  the
• 1:30
  stress
• 1:30
  out
• 1:30
  of
• 1:30
  investing
• 1:31
  and
• 1:31
  it
• 1:32
  makes
• 1:32
  it
• 1:32
  happen
• 1:32
  in
• 1:32
  the
• 1:32
  background
• 1:33
  while
• 1:33
  you
• 1:33
  go
• 1:34
  live
• 1:34
  your
• 1:34
  life.
• 1:34
  And
• 1:34
  if
• 1:34
  you're
• 1:35
  like
• 1:35
  me,
• 1:35
  you
• 1:35
  know,
• 1:35
  life
• 1:36
  is
• 1:36
  busy.
• 1:36
  Well,
• 1:37
  let's
• 1:37
  talk
• 1:37
  about
• 1:37
  that
• 1:37
  on
• 1:38
  today's
• 1:38
  show.
• 1:40
  This
• 1:40
  is
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian,
• 1:42
  your
• 1:43
  daily
• 1:43
  dose
• 1:43
  of
• 1:43
  gospel,
• 1:44
  grounded
• 1:44
  insight
• 1:45
  and
• 1:45
  faith
• 1:45
  driven
• 1:46
  tips
• 1:46
  to
• 1:46
  help
• 1:47
  you
• 1:47
  break
• 1:47
  the
• 1:47
  cycle
• 1:47
  of
• 1:48
  financial
• 1:48
  shame
• 1:48
  with
• 1:49
  confidence.
• 1:52
  Hey
• 1:52
  there,
• 1:52
  I'm
• 1:52
  Ralph,
• 1:53
  welcome
• 1:53
  to
• 1:53
  the
• 1:53
  show.
• 1:54
  I've
• 1:54
  helped
• 1:54
  clients
• 1:55
  set
• 1:55
  up
• 1:55
  automatic
• 1:55
  contributions
• 1:56
  to
• 1:56
  their
• 1:56
  retirement
• 1:57
  accounts
• 1:57
  for
• 1:57
  years.
• 1:58
  And
• 1:58
  the
• 1:58
  truth
• 1:59
  is
• 1:59
  it's
• 1:59
  all
• 1:59
  about
• 1:59
  this
• 2:00
  consistency.
• 2:00
  And
• 2:01
  I've
• 2:01
  seen
• 2:01
  how
• 2:01
  this
• 2:02
  consistency
• 2:02
  has
• 2:03
  changed
• 2:03
  their
• 2:03
  future
• 2:04
  without
• 2:05
  constantly
• 2:05
  worrying
• 2:05
  about,
• 2:06
  did
• 2:06
  I
• 2:06
  do
• 2:07
  that?
• 2:07
  We
• 2:07
  talked
• 2:08
  the
• 2:08
  other
• 2:08
  day
• 2:08
  about
• 2:08
  compounding.
• 2:09
  We
• 2:09
  talked
• 2:10
  about
• 2:10
  how
• 2:10
  those
• 2:11
  small
• 2:11
  little
• 2:12
  continual
• 2:13
  steps
• 2:13
  lead
• 2:14
  to
• 2:14
  big
• 2:14
  results
• 2:15
  over
• 2:15
  time.
• 2:15
  And
• 2:15
  that's
• 2:16
  the
• 2:16
  whole
• 2:16
  point
• 2:16
  of
• 2:17
  really
• 2:17
  looking
• 2:17
  at
• 2:17
  automation
• 2:18
  from
• 2:19
  a
• 2:20
  investment
• 2:20
  perspective.
• 2:21
  And
• 2:21
  truth
• 2:22
  is,
• 2:22
  life
• 2:23
  gets
• 2:23
  busy.
• 2:23
  If
• 2:23
  you're
• 2:24
  like
• 2:24
  me,
• 2:24
  life
• 2:24
  seems
• 2:24
  like
• 2:25
  it's
• 2:25
  nonstop.
• 2:25
  Last
• 2:26
  couple
• 2:26
  days
• 2:26
  I've
• 2:27
  had
• 2:27
  back
• 2:27
  to
• 2:28
  back
• 2:28
  clients
• 2:28
  like
• 2:28
  where
• 2:29
  are
• 2:29
  all
• 2:29
  these
• 2:29
  people
• 2:29
  coming
• 2:30
  from?
• 2:31
  But
• 2:31
  it's
• 2:31
  so
• 2:32
  easy
• 2:32
  to
• 2:32
  fall
• 2:32
  into
• 2:33
  that
• 2:33
  trap
• 2:33
  or
• 2:33
  that,
• 2:34
  that
• 2:34
  wait
• 2:34
  until
• 2:34
  that
• 2:35
  mentality
• 2:35
  when
• 2:35
  I'm
• 2:36
  ready
• 2:36
  for
• 2:36
  it.
• 2:37
  Because
• 2:37
  the
• 2:37
  truth
• 2:38
  is,
• 2:38
  let
• 2:39
  me
• 2:39
  ask
• 2:39
  you
• 2:39
  right
• 2:39
  now,
• 2:39
  do
• 2:39
  you
• 2:39
  feel
• 2:40
  this
• 2:40
  way
• 2:40
  sometimes
• 2:41
  you
• 2:41
  think
• 2:42
  about,
• 2:42
  well,
• 2:42
  I'll
• 2:42
  do
• 2:42
  that
• 2:42
  when
• 2:42
  I
• 2:43
  feel
• 2:43
  ready
• 2:43
  for
• 2:43
  it.
• 2:44
  Somehow
• 2:45
  it
• 2:45
  just
• 2:45
  doesn't
• 2:45
  happen.
• 2:46
  And
• 2:46
  I
• 2:47
  want
• 2:47
  to
• 2:47
  tell
• 2:47
  you
• 2:47
  about
• 2:47
  a
• 2:47
  client
• 2:47
  of
• 2:48
  mine,
• 2:48
  client
• 2:48
  I
• 2:49
  worked
• 2:49
  with
• 2:49
  many
• 2:49
  years
• 2:50
  ago.
• 2:51
  He
• 2:51
  had
• 2:51
  come
• 2:51
  to
• 2:52
  me,
• 2:52
  younger
• 2:52
  guy,
• 2:53
  wanted
• 2:53
  to
• 2:53
  set
• 2:53
  up
• 2:53
  his
• 2:54
  401k
• 2:54
  at
• 2:54
  work.
• 2:55
  The
• 2:55
  cool
• 2:56
  thing
• 2:56
  about
• 2:56
  that,
• 2:56
  one
• 2:56
  of
• 2:56
  the
• 2:56
  things
• 2:57
  that
• 2:57
  I
• 2:57
  love
• 2:57
  about
• 2:57
  401ks
• 2:58
  at
• 2:58
  work
• 2:58
  is
• 2:58
  pretty
• 2:59
  much
• 2:59
  set
• 2:59
  in.
• 2:59
  Forget
• 2:59
  it.
• 2:59
  Because
• 3:00
  once
• 3:00
  you
• 3:00
  enroll
• 3:00
  with
• 3:00
  the
• 3:01
  HR
• 3:01
  people
• 3:01
  at,
• 3:02
  it's
• 3:02
  pretty
• 3:02
  much
• 3:02
  going
• 3:03
  to
• 3:03
  happen.
• 3:04
  But
• 3:04
  he
• 3:04
  never
• 3:04
  thought
• 3:04
  about
• 3:05
  how
• 3:05
  much
• 3:05
  it
• 3:05
  could
• 3:06
  be
• 3:07
  and
• 3:07
  how
• 3:07
  much
• 3:08
  his
• 3:08
  balance
• 3:08
  would
• 3:08
  grow
• 3:08
  over
• 3:09
  time.
• 3:09
  I
• 3:09
  want
• 3:09
  to
• 3:09
  give
• 3:09
  you
• 3:09
  something
• 3:10
  amazing.
• 3:10
  Think
• 3:11
  about
• 3:11
  this
• 3:11
  for
• 3:11
  a
• 3:11
  second.
• 3:12
  Here's
• 3:12
  a
• 3:12
  guy,
• 3:12
  I
• 3:13
  kind
• 3:13
  of
• 3:13
  used
• 3:13
  this
• 3:13
  example
• 3:13
  the
• 3:13
  other
• 3:14
  day
• 3:14
  about
• 3:14
  compounding
• 3:15
  at
• 3:15
  age
• 3:16
  25.
• 3:16
  Now
• 3:17
  this
• 3:17
  is
• 3:17
  the
• 3:17
  guy
• 3:17
  just
• 3:17
  put
• 3:18
  3%
• 3:18
  into
• 3:19
  his
• 3:19
  retirement.
• 3:19
  We're
• 3:19
  going
• 3:19
  to
• 3:19
  talk
• 3:20
  in
• 3:20
  the
• 3:20
  next
• 3:20
  few
• 3:21
  days
• 3:21
  about
• 3:21
  what
• 3:22
  we
• 3:22
  do
• 3:22
  beyond
• 3:22
  that
• 3:22
  because
• 3:23
  it's
• 3:23
  not
• 3:23
  really
• 3:23
  enough.
• 3:23
  But
• 3:24
  just
• 3:24
  for
• 3:24
  today,
• 3:24
  just
• 3:24
  bear
• 3:25
  with
• 3:25
  me
• 3:25
  here.
• 3:26
  Age
• 3:26
  25,
• 3:27
  he
• 3:28
  was
• 3:28
  just
• 3:28
  putting
• 3:28
  in
• 3:28
  the
• 3:29
  employer
• 3:29
  match.
• 3:29
  In
• 3:29
  his
• 3:29
  particular
• 3:30
  case,
• 3:30
  the
• 3:31
  employer
• 3:31
  matched
• 3:31
  up
• 3:31
  to
• 3:32
  3%
• 3:32
  of
• 3:32
  his
• 3:33
  salary.
• 3:33
  So
• 3:34
  for
• 3:34
  sake
• 3:34
  of
• 3:34
  this
• 3:34
  discussion,
• 3:35
  let's
• 3:35
  say
• 3:36
  he
• 3:36
  had
• 3:36
  a
• 3:36
  $30,000
• 3:37
  salary.
• 3:38
  So
• 3:38
  he
• 3:38
  was
• 3:38
  putting
• 3:39
  $900
• 3:39
  a
• 3:40
  year
• 3:40
  into
• 3:40
  his
• 3:40
  401k
• 3:41
  done
• 3:41
  automatically
• 3:42
  when
• 3:42
  payroll
• 3:43
  hits,
• 3:43
  it
• 3:43
  comes
• 3:43
  right
• 3:44
  out
• 3:44
  the
• 3:44
  top.
• 3:44
  He
• 3:44
  never
• 3:44
  even
• 3:44
  saw
• 3:45
  the
• 3:45
  money.
• 3:46
  When
• 3:46
  we
• 3:46
  did
• 3:46
  the
• 3:47
  calculations,
• 3:48
  we
• 3:48
  realized
• 3:49
  that
• 3:49
  when
• 3:49
  he
• 3:49
  goes
• 3:50
  to
• 3:50
  retire
• 3:50
  at
• 3:50
  65,
• 3:51
  so
• 3:51
  25
• 3:52
  to
• 3:52
  65,
• 3:52
  40
• 3:53
  years,
• 3:54
  listen
• 3:54
  to
• 3:54
  this
• 3:54
  number.
• 3:55
  He
• 3:56
  is
• 3:56
  going
• 3:56
  to
• 3:56
  have
• 3:56
  $179,672.
• 4:01
  See,
• 4:02
  that's
• 4:02
  the
• 4:02
  value
• 4:02
  of
• 4:03
  that
• 4:03
  automation.
• 4:04
  That's
• 4:04
  that
• 4:04
  value
• 4:05
  of
• 4:05
  making
• 4:05
  it
• 4:06
  just
• 4:06
  absolutely
• 4:07
  automatic.
• 4:07
  And
• 4:07
  I
• 4:07
  found
• 4:07
  this
• 4:08
  quote
• 4:08
  from
• 4:08
  David
• 4:08
  Bach.
• 4:09
  Now,
• 4:09
  David
• 4:09
  Bach
• 4:09
  wrote
• 4:10
  a
• 4:10
  book
• 4:10
  called
• 4:10
  Automatic
• 4:11
  Millionaire.
• 4:11
  I
• 4:12
  thought
• 4:12
  this
• 4:12
  was
• 4:12
  a
• 4:12
  great
• 4:12
  principle.
• 4:13
  And
• 4:13
  he
• 4:13
  said
• 4:14
  this.
• 4:14
  I
• 4:14
  love
• 4:14
  this.
• 4:15
  You
• 4:15
  don't
• 4:15
  get
• 4:16
  rich
• 4:16
  by
• 4:16
  what
• 4:16
  you
• 4:16
  earn.
• 4:17
  You
• 4:17
  get
• 4:17
  rich
• 4:18
  by
• 4:18
  what
• 4:18
  you
• 4:18
  keep.
• 4:19
  And
• 4:19
  I'm
• 4:20
  telling
• 4:20
  you
• 4:20
  right
• 4:20
  now,
• 4:20
  David,
• 4:20
  that
• 4:21
  is
• 4:21
  very
• 4:21
  sound
• 4:21
  advice.
• 4:22
  And
• 4:22
  it's
• 4:22
  advice
• 4:23
  that
• 4:23
  we
• 4:23
  all
• 4:23
  can
• 4:23
  benefit
• 4:24
  from.
• 4:25
  So
• 4:25
  now
• 4:25
  you
• 4:25
  might
• 4:25
  be
• 4:25
  saying,
• 4:26
  okay,
• 4:26
  Ralph,
• 4:26
  how
• 4:26
  do
• 4:26
  we
• 4:26
  make
• 4:27
  this
• 4:27
  happen?
• 4:27
  How
• 4:28
  do
• 4:28
  we
• 4:28
  make
• 4:28
  this
• 4:29
  automation
• 4:29
  happen?
• 4:29
  Well,
• 4:30
  it
• 4:30
  all
• 4:30
  comes
• 4:30
  down
• 4:30
  to
• 4:31
  really
• 4:31
  four
• 4:32
  or
• 4:32
  five
• 4:32
  key
• 4:32
  things.
• 4:33
  The
• 4:33
  first
• 4:33
  thing
• 4:33
  is
• 4:33
  consistency.
• 4:35
  The
• 4:35
  thing
• 4:35
  I
• 4:35
  love
• 4:36
  about
• 4:36
  investments,
• 4:36
  especially
• 4:37
  401ks.
• 4:37
  But
• 4:37
  if
• 4:38
  you
• 4:38
  don't
• 4:38
  have
• 4:38
  the
• 4:38
  benefit
• 4:39
  of
• 4:39
  a
• 4:39
  401k,
• 4:39
  you
• 4:39
  can
• 4:40
  still
• 4:40
  get
• 4:40
  to
• 4:40
  this
• 4:40
  automation
• 4:41
  just
• 4:42
  set
• 4:42
  up
• 4:42
  some
• 4:42
  kind
• 4:42
  of
• 4:43
  automatic
• 4:43
  contributions.
• 4:44
  That's
• 4:44
  the
• 4:44
  cool
• 4:44
  thing
• 4:44
  about
• 4:45
  technology.
• 4:45
  Now,
• 4:46
  there's
• 4:46
  so
• 4:46
  many
• 4:47
  ways
• 4:47
  to
• 4:47
  set
• 4:48
  up
• 4:48
  these
• 4:48
  automated
• 4:49
  transactions.
• 4:49
  You
• 4:50
  can
• 4:50
  set
• 4:50
  it
• 4:50
  up
• 4:50
  so
• 4:50
  that
• 4:51
  as
• 4:51
  soon
• 4:51
  as
• 4:51
  your
• 4:51
  pay
• 4:51
  hits
• 4:52
  or
• 4:52
  as
• 4:52
  soon
• 4:52
  as
• 4:52
  money
• 4:53
  hits
• 4:53
  your
• 4:53
  bank
• 4:53
  account,
• 4:54
  it
• 4:54
  just
• 4:54
  comes
• 4:55
  out
• 4:55
  so
• 4:56
  that
• 4:56
  you
• 4:56
  don't
• 4:56
  miss
• 4:57
  a
• 4:57
  month
• 4:57
  when
• 4:57
  life
• 4:58
  gets
• 4:58
  busy,
• 4:59
  like
• 4:59
  I
• 4:59
  said
• 4:59
  earlier,
• 4:59
  it's
• 5:00
  sort
• 5:00
  of
• 5:00
  that
• 5:00
  set
• 5:00
  it
• 5:00
  and
• 5:00
  forget
• 5:01
  it
• 5:01
  mentality.
• 5:01
  And
• 5:02
  life
• 5:02
  Gets
• 5:02
  busy.
• 5:03
  I
• 5:03
  don't
• 5:03
  know
• 5:03
  about
• 5:04
  you,
• 5:04
  but
• 5:04
  as
• 5:04
  the
• 5:05
  days
• 5:05
  get
• 5:05
  longer,
• 5:05
  I
• 5:06
  just
• 5:06
  feel
• 5:06
  like
• 5:06
  there's
• 5:07
  more
• 5:07
  and
• 5:07
  more
• 5:08
  going
• 5:08
  on
• 5:08
  in
• 5:08
  my
• 5:08
  life.
• 5:09
  So
• 5:09
  the
• 5:09
  first
• 5:09
  thing
• 5:10
  is
• 5:10
  about
• 5:10
  consistency.
• 5:11
  Those
• 5:11
  automatic
• 5:12
  contributions
• 5:12
  just
• 5:12
  lead
• 5:13
  to
• 5:13
  consistency.
• 5:13
  And
• 5:14
  think
• 5:14
  about
• 5:14
  that
• 5:14
  long
• 5:14
  term.
• 5:15
  At
• 5:15
  just
• 5:16
  $900
• 5:17
  in
• 5:18
  his
• 5:18
  annual
• 5:18
  salary
• 5:19
  contribution,
• 5:20
  that
• 5:20
  investment
• 5:21
  grew
• 5:21
  to
• 5:21
  a
• 5:21
  whopping
• 5:22
  almost
• 5:22
  $180,000.
• 5:25
  That's
• 5:25
  one
• 5:25
  of
• 5:25
  the
• 5:25
  real
• 5:26
  benefits
• 5:26
  of
• 5:26
  that
• 5:26
  automation.
• 5:27
  Second
• 5:27
  one
• 5:28
  is
• 5:28
  it
• 5:28
  takes
• 5:28
  away
• 5:29
  the
• 5:29
  emotion.
• 5:30
  I
• 5:30
  don't
• 5:30
  know
• 5:30
  about
• 5:30
  you,
• 5:31
  but
• 5:31
  how
• 5:31
  many
• 5:31
  times
• 5:32
  have
• 5:32
  you
• 5:32
  been
• 5:32
  tempted
• 5:33
  to
• 5:33
  just
• 5:33
  skip
• 5:34
  that
• 5:34
  investment
• 5:34
  because
• 5:35
  you've
• 5:35
  got
• 5:35
  fear?
• 5:35
  Or,
• 5:36
  hey,
• 5:36
  like
• 5:36
  most
• 5:36
  people,
• 5:37
  I
• 5:38
  was
• 5:38
  leaving
• 5:38
  for
• 5:38
  the
• 5:39
  office
• 5:39
  to
• 5:39
  come
• 5:39
  over
• 5:39
  here
• 5:39
  and
• 5:39
  record.
• 5:40
  This
• 5:40
  morning,
• 5:40
  my
• 5:40
  wife
• 5:40
  says,
• 5:40
  guess
• 5:41
  what,
• 5:41
  Ralph?
• 5:42
  The
• 5:42
  trash
• 5:42
  compact
• 5:42
  is
• 5:43
  not
• 5:43
  working
• 5:43
  again.
• 5:44
  Well,
• 5:44
  it
• 5:45
  would
• 5:45
  be
• 5:45
  very
• 5:45
  simple
• 5:45
  to
• 5:45
  say,
• 5:46
  well,
• 5:46
  there's
• 5:46
  going
• 5:46
  to
• 5:46
  be
• 5:46
  another
• 5:47
  expense.
• 5:47
  I'm
• 5:47
  going
• 5:47
  to
• 5:47
  have
• 5:47
  to
• 5:48
  curtail
• 5:49
  my
• 5:49
  investments
• 5:50
  this
• 5:50
  week.
• 5:51
  But
• 5:51
  because
• 5:51
  I've
• 5:52
  got
• 5:52
  it
• 5:52
  set
• 5:52
  up
• 5:52
  automatically,
• 5:53
  there's
• 5:53
  no
• 5:53
  emotion
• 5:54
  in
• 5:54
  this.
• 5:54
  It
• 5:54
  just
• 5:55
  automatically
• 5:55
  goes,
• 5:56
  because
• 5:57
  if
• 5:57
  you're
• 5:57
  like
• 5:57
  me,
• 5:58
  things
• 5:58
  happen
• 5:58
  in
• 5:59
  life.
• 5:59
  There's
• 6:00
  going
• 6:00
  to
• 6:00
  be
• 6:00
  unexpected
• 6:01
  expenses,
• 6:01
  and
• 6:01
  it's
• 6:02
  so
• 6:02
  easy.
• 6:02
  I
• 6:03
  don't
• 6:03
  know
• 6:03
  about
• 6:03
  you,
• 6:03
  but
• 6:03
  I
• 6:03
  feel
• 6:03
  tempted
• 6:04
  sometimes
• 6:04
  to
• 6:05
  just
• 6:05
  skip
• 6:05
  that
• 6:05
  investment.
• 6:06
  I've
• 6:06
  got
• 6:07
  this
• 6:07
  fear
• 6:07
  I'm
• 6:07
  not
• 6:07
  going
• 6:07
  to
• 6:08
  have
• 6:08
  enough
• 6:08
  money
• 6:08
  or
• 6:08
  just
• 6:08
  the
• 6:09
  excuse
• 6:09
  I
• 6:09
  just
• 6:09
  didn't
• 6:10
  get
• 6:10
  to
• 6:10
  it.
• 6:11
  So
• 6:11
  that's
• 6:11
  a
• 6:11
  big
• 6:11
  component
• 6:12
  of
• 6:12
  this.
• 6:12
  Another
• 6:12
  one
• 6:13
  is
• 6:13
  all
• 6:13
  about
• 6:14
  those
• 6:14
  small,
• 6:15
  consistent
• 6:15
  steps.
• 6:16
  If
• 6:16
  you
• 6:16
  hear
• 6:16
  nothing
• 6:16
  else
• 6:17
  that
• 6:17
  I've
• 6:17
  talked
• 6:17
  about
• 6:18
  during
• 6:18
  this
• 6:18
  investment
• 6:19
  strategy
• 6:19
  series,
• 6:20
  it's
• 6:20
  all
• 6:20
  about
• 6:21
  those
• 6:21
  small
• 6:21
  steps.
• 6:22
  $25,
• 6:23
  $50
• 6:24
  a
• 6:24
  month
• 6:25
  grows
• 6:25
  significantly
• 6:26
  over
• 6:26
  time.
• 6:26
  Think
• 6:27
  about
• 6:27
  what
• 6:27
  we
• 6:27
  talked
• 6:27
  about
• 6:28
  in
• 6:28
  the
• 6:28
  example
• 6:28
  today.
• 6:29
  That
• 6:29
  young
• 6:29
  person
• 6:30
  starting
• 6:30
  at
• 6:31
  25,
• 6:31
  just
• 6:31
  putting
• 6:32
  in
• 6:32
  the
• 6:32
  3%
• 6:34
  in
• 6:34
  their
• 6:34
  salary
• 6:35
  of
• 6:35
  30,000
• 6:35
  a
• 6:36
  year.
• 6:36
  They
• 6:36
  only
• 6:36
  put
• 6:36
  in
• 6:36
  my
• 6:37
  $900
• 6:37
  a
• 6:38
  year
• 6:38
  of
• 6:38
  their
• 6:38
  own
• 6:38
  money
• 6:39
  grows
• 6:39
  to
• 6:39
  $179,000
• 6:42
  at
• 6:43
  the
• 6:43
  time
• 6:43
  that
• 6:43
  they
• 6:44
  go
• 6:44
  to
• 6:44
  retire
• 6:44
  at
• 6:44
  65.
• 6:45
  It's
• 6:46
  those
• 6:46
  small,
• 6:47
  consistent
• 6:47
  steps.
• 6:48
  Well,
• 6:48
  automation
• 6:48
  helps
• 6:49
  with
• 6:49
  that
• 6:49
  because
• 6:50
  you're
• 6:50
  not
• 6:50
  constantly
• 6:51
  thinking
• 6:51
  about,
• 6:51
  do
• 6:51
  I
• 6:52
  have
• 6:52
  to
• 6:52
  go
• 6:52
  do
• 6:52
  that?
• 6:52
  Do
• 6:52
  I
• 6:53
  remember
• 6:53
  to
• 6:53
  do
• 6:53
  that?
• 6:54
  That's
• 6:54
  the
• 6:54
  thing.
• 6:54
  When
• 6:54
  I
• 6:54
  meet
• 6:55
  with
• 6:55
  tax
• 6:55
  clients,
• 6:56
  a
• 6:56
  lot
• 6:56
  of
• 6:56
  my
• 6:57
  small
• 6:57
  business
• 6:57
  clients,
• 6:58
  they
• 6:58
  make
• 6:58
  a
• 6:58
  retirement
• 6:59
  contribution
• 6:59
  once
• 7:00
  a
• 7:00
  year.
• 7:01
  And
• 7:01
  all
• 7:01
  the
• 7:01
  time
• 7:02
  I'll
• 7:02
  say
• 7:02
  to
• 7:02
  them,
• 7:02
  hey,
• 7:02
  have
• 7:03
  you
• 7:03
  been
• 7:03
  making
• 7:03
  those
• 7:03
  retirement
• 7:04
  contributions?
• 7:05
  Well,
• 7:05
  Ralph,
• 7:05
  I'm
• 7:05
  going
• 7:05
  to
• 7:06
  get
• 7:06
  to
• 7:06
  that
• 7:06
  later.
• 7:06
  I'm
• 7:06
  going
• 7:06
  to
• 7:06
  do
• 7:07
  that
• 7:07
  later.
• 7:07
  I'll
• 7:07
  do
• 7:07
  that
• 7:08
  before
• 7:08
  tax
• 7:08
  time.
• 7:09
  Next
• 7:09
  thing
• 7:09
  you
• 7:09
  know,
• 7:10
  we're
• 7:10
  at
• 7:10
  tax
• 7:10
  time.
• 7:10
  They
• 7:10
  haven't
• 7:11
  done
• 7:11
  it,
• 7:11
  and
• 7:11
  now
• 7:11
  they
• 7:12
  don't
• 7:12
  have
• 7:12
  the
• 7:12
  money
• 7:12
  to
• 7:12
  do
• 7:12
  it.
• 7:13
  So
• 7:13
  this
• 7:14
  small
• 7:14
  step,
• 7:14
  even
• 7:15
  if
• 7:15
  it's
• 7:15
  just
• 7:15
  monthly
• 7:16
  or
• 7:16
  bi
• 7:16
  weekly,
• 7:17
  is
• 7:17
  huge.
• 7:18
  Another
• 7:18
  big
• 7:18
  thing
• 7:19
  about
• 7:19
  automation
• 7:20
  and
• 7:20
  I
• 7:21
  talk
• 7:21
  about
• 7:21
  this
• 7:21
  on
• 7:21
  the
• 7:21
  show
• 7:21
  all
• 7:22
  the
• 7:22
  time,
• 7:22
  it's
• 7:22
  about
• 7:23
  paying
• 7:23
  yourself
• 7:24
  first.
• 7:25
  When
• 7:25
  you
• 7:25
  automate
• 7:26
  things,
• 7:26
  you
• 7:27
  start
• 7:27
  to
• 7:27
  treat
• 7:27
  investments
• 7:28
  like
• 7:28
  it's
• 7:28
  a
• 7:29
  non
• 7:29
  negotiable.
• 7:30
  It's
• 7:30
  not
• 7:31
  a
• 7:31
  place
• 7:31
  where
• 7:31
  I'm
• 7:32
  gonna
• 7:32
  negotiate
• 7:32
  this
• 7:32
  automatic.
• 7:33
  It's
• 7:33
  part
• 7:33
  of
• 7:34
  taking
• 7:34
  care
• 7:34
  of
• 7:34
  your
• 7:34
  future.
• 7:35
  I
• 7:35
  saw
• 7:36
  a
• 7:36
  thing
• 7:36
  on
• 7:36
  Facebook
• 7:36
  the
• 7:37
  other
• 7:37
  day
• 7:37
  and
• 7:37
  I
• 7:37
  thought
• 7:37
  this
• 7:38
  was
• 7:38
  brilliant.
• 7:38
  One
• 7:39
  of
• 7:39
  my
• 7:39
  colleagues,
• 7:39
  she
• 7:40
  does
• 7:40
  a
• 7:40
  show
• 7:40
  for
• 7:41
  young
• 7:41
  people
• 7:41
  who
• 7:42
  are
• 7:42
  getting
• 7:42
  married
• 7:43
  and
• 7:43
  try
• 7:43
  to
• 7:43
  match
• 7:43
  their
• 7:44
  finances
• 7:44
  together.
• 7:45
  And
• 7:45
  she
• 7:45
  asked
• 7:46
  this
• 7:46
  question,
• 7:46
  she
• 7:46
  said,
• 7:47
  what
• 7:47
  would
• 7:47
  you
• 7:47
  like
• 7:47
  to
• 7:48
  tell
• 7:48
  your
• 7:48
  young
• 7:48
  self
• 7:49
  that
• 7:49
  you
• 7:49
  know
• 7:50
  now
• 7:50
  about
• 7:50
  investing?
• 7:51
  And
• 7:51
  I
• 7:51
  thought
• 7:52
  that
• 7:52
  was
• 7:52
  brilliant.
• 7:53
  One
• 7:53
  of
• 7:53
  the
• 7:53
  things
• 7:53
  that
• 7:54
  I
• 7:54
  would
• 7:54
  have
• 7:54
  told
• 7:54
  myself
• 7:55
  is
• 7:55
  pay
• 7:55
  myself
• 7:56
  first.
• 7:57
  That's
• 7:57
  why
• 7:57
  it's
• 7:58
  so
• 7:58
  important.
• 7:58
  This
• 7:58
  automation
• 7:59
  helps
• 7:59
  you
• 7:59
  treat
• 8:00
  that
• 8:00
  like
• 8:00
  a
• 8:00
  non
• 8:00
  negotiable.
• 8:01
  It's
• 8:01
  just
• 8:01
  part
• 8:01
  of
• 8:02
  the
• 8:02
  deal.
• 8:02
  But
• 8:02
  before
• 8:03
  I
• 8:03
  can
• 8:03
  even
• 8:03
  get
• 8:04
  to
• 8:04
  any
• 8:04
  discretionary
• 8:05
  money,
• 8:05
  my
• 8:06
  automation
• 8:06
  kicks
• 8:07
  in
• 8:07
  and
• 8:07
  it
• 8:08
  puts
• 8:08
  that
• 8:08
  money
• 8:08
  in
• 8:09
  those
• 8:09
  investments
• 8:10
  and
• 8:10
  I'm
• 8:10
  building
• 8:11
  the
• 8:11
  future.
• 8:11
  And
• 8:12
  final
• 8:12
  thing
• 8:13
  leads
• 8:13
  to
• 8:13
  peace
• 8:14
  of
• 8:14
  mind.
• 8:14
  The
• 8:15
  things
• 8:15
  I
• 8:15
  hear
• 8:15
  people
• 8:15
  talk
• 8:16
  about
• 8:16
  when
• 8:16
  they
• 8:16
  send
• 8:17
  me
• 8:17
  messages
• 8:17
  from
• 8:17
  the
• 8:17
  show
• 8:18
  or
• 8:18
  they
• 8:18
  get
• 8:18
  comments
• 8:18
  on
• 8:19
  our
• 8:19
  YouTube
• 8:19
  channel.
• 8:20
  And
• 8:20
  we
• 8:20
  do
• 8:20
  have
• 8:20
  a
• 8:20
  YouTube
• 8:21
  channel
• 8:21
  by
• 8:21
  the
• 8:21
  way,
• 8:21
  if
• 8:21
  you
• 8:21
  missed
• 8:22
  it,
• 8:22
  you
• 8:22
  can
• 8:22
  go
• 8:22
  to
• 8:23
  our
• 8:23
  YouTube
• 8:23
  channel
• 8:24
  if
• 8:24
  you're
• 8:24
  just
• 8:24
  hearing
• 8:24
  this
• 8:25
  audio
• 8:25
  podcast.
• 8:26
  I
• 8:26
  actually
• 8:26
  do
• 8:26
  a
• 8:27
  video
• 8:27
  version
• 8:27
  every
• 8:27
  day,
• 8:27
  so
• 8:28
  I'm
• 8:28
  encourage
• 8:28
  you
• 8:28
  to
• 8:28
  check
• 8:28
  it
• 8:28
  out
• 8:28
  and
• 8:29
  I'll
• 8:29
  put
• 8:29
  a
• 8:29
  link
• 8:29
  to
• 8:29
  that
• 8:30
  and
• 8:30
  in
• 8:30
  the
• 8:30
  show
• 8:30
  notes.
• 8:31
  But
• 8:32
  peace
• 8:32
  of
• 8:32
  mind
• 8:32
  is
• 8:33
  the
• 8:33
  thing
• 8:33
  I
• 8:33
  hear
• 8:33
  time
• 8:34
  and
• 8:34
  time
• 8:34
  again
• 8:34
  from
• 8:35
  people.
• 8:35
  Automation
• 8:36
  frees
• 8:37
  you
• 8:37
  up
• 8:37
  so
• 8:37
  that
• 8:37
  you
• 8:37
  can
• 8:37
  focus
• 8:38
  on
• 8:38
  life,
• 8:38
  you
• 8:38
  can
• 8:38
  focus
• 8:39
  on
• 8:39
  the
• 8:39
  busyness,
• 8:40
  you
• 8:40
  can
• 8:41
  focus
• 8:41
  on
• 8:41
  those
• 8:42
  things
• 8:42
  and
• 8:43
  you
• 8:43
  know
• 8:43
  right
• 8:43
  away,
• 8:44
  because
• 8:45
  life
• 8:45
  gets
• 8:45
  busy,
• 8:45
  doesn't
• 8:46
  it?
• 8:46
  But
• 8:47
  you
• 8:47
  know
• 8:47
  right
• 8:47
  away
• 8:48
  that
• 8:48
  your
• 8:48
  money
• 8:48
  is
• 8:49
  quietly
• 8:49
  working
• 8:49
  for
• 8:50
  you.
• 8:50
  Let's
• 8:51
  get
• 8:51
  into
• 8:51
  the
• 8:51
  Bible
• 8:51
  a
• 8:52
  little
• 8:52
  bit.
• 8:52
  I
• 8:52
  found
• 8:52
  this
• 8:52
  verse
• 8:53
  from
• 8:53
  First
• 8:53
  Corinthians,
• 8:54
  chapter
• 8:54
  16,
• 8:55
  verse
• 8:55
  2.
• 8:55
  And,
• 8:56
  and
• 8:56
  this
• 8:56
  just
• 8:57
  absolutely
• 8:58
  nails
• 8:58
  the
• 8:58
  whole
• 8:59
  idea
• 8:59
  of
• 8:59
  automation
• 9:00
  and
• 9:00
  stewardship.
• 9:01
  Now
• 9:01
  back
• 9:01
  in
• 9:01
  the
• 9:01
  Bible
• 9:02
  days,
• 9:02
  they
• 9:02
  didn't
• 9:03
  have
• 9:03
  a
• 9:03
  lot
• 9:03
  of
• 9:03
  automation
• 9:04
  as
• 9:04
  it
• 9:04
  relates
• 9:04
  to
• 9:04
  technology.
• 9:05
  But
• 9:05
  this
• 9:06
  verse
• 9:06
  is
• 9:06
  perfect.
• 9:07
  Again,
• 9:07
  First
• 9:08
  Corinthians
• 9:08
  16:2.
• 9:10
  On
• 9:10
  the
• 9:10
  first
• 9:11
  day
• 9:11
  of
• 9:11
  every
• 9:11
  week,
• 9:12
  each
• 9:12
  one
• 9:12
  of
• 9:12
  you
• 9:13
  should
• 9:13
  set
• 9:13
  aside
• 9:13
  a
• 9:14
  sum
• 9:14
  of
• 9:14
  money
• 9:14
  in
• 9:14
  keeping
• 9:15
  with
• 9:15
  your
• 9:15
  income.
• 9:16
  That's
• 9:17
  exactly
• 9:17
  what
• 9:17
  we're
• 9:17
  talking
• 9:17
  about
• 9:17
  here
• 9:18
  in
• 9:18
  the
• 9:18
  Bible.
• 9:18
  So
• 9:18
  even
• 9:18
  back
• 9:19
  in
• 9:19
  biblical
• 9:20
  days,
• 9:21
  the
• 9:21
  Bible,
• 9:21
  the
• 9:22
  word
• 9:22
  of
• 9:22
  God,
• 9:22
  Is
• 9:22
  pointing
• 9:23
  us
• 9:23
  to
• 9:23
  something
• 9:24
  that
• 9:24
  very
• 9:24
  important.
• 9:24
  What
• 9:24
  does
• 9:25
  it
• 9:25
  say
• 9:25
  here
• 9:25
  on
• 9:25
  the
• 9:26
  first
• 9:26
  day
• 9:26
  of
• 9:26
  the
• 9:26
  week,
• 9:27
  not
• 9:27
  the
• 9:28
  second,
• 9:28
  not
• 9:28
  the
• 9:28
  third,
• 9:28
  but
• 9:29
  the
• 9:29
  first.
• 9:29
  In
• 9:30
  other
• 9:30
  words,
• 9:30
  at
• 9:31
  the
• 9:31
  beginning,
• 9:32
  each
• 9:32
  one
• 9:32
  of
• 9:32
  you,
• 9:33
  not
• 9:33
  some
• 9:33
  of
• 9:33
  you,
• 9:33
  but
• 9:34
  each
• 9:34
  one
• 9:34
  of
• 9:34
  you
• 9:35
  should
• 9:35
  set
• 9:35
  aside
• 9:35
  a
• 9:36
  sum
• 9:36
  of
• 9:36
  money
• 9:36
  in
• 9:37
  keeping
• 9:37
  with
• 9:37
  your
• 9:37
  income.
• 9:38
  See
• 9:39
  God's
• 9:39
  words
• 9:40
  reminding
• 9:40
  us
• 9:40
  of
• 9:40
  the
• 9:41
  power
• 9:41
  of
• 9:41
  that
• 9:41
  consistency.
• 9:42
  Like
• 9:42
  I
• 9:42
  talked
• 9:42
  about,
• 9:43
  that
• 9:43
  consistency,
• 9:44
  that
• 9:44
  discipline
• 9:45
  and
• 9:46
  that
• 9:46
  setting
• 9:46
  aside,
• 9:47
  that
• 9:47
  paying
• 9:48
  yourself
• 9:48
  first,
• 9:49
  taking
• 9:49
  those
• 9:49
  small
• 9:50
  steps
• 9:50
  and
• 9:50
  really
• 9:51
  building
• 9:51
  that
• 9:51
  peace
• 9:52
  of
• 9:52
  mind.
• 9:53
  Well,
• 9:53
  how
• 9:53
  about
• 9:53
  we
• 9:53
  pray
• 9:53
  together?
• 9:55
  Father,
• 9:55
  we
• 9:55
  just
• 9:55
  come
• 9:55
  to
• 9:56
  you
• 9:56
  today
• 9:56
  and
• 9:56
  we
• 9:56
  just
• 9:56
  thank
• 9:57
  you
• 9:57
  for
• 9:57
  the
• 9:57
  abundance
• 9:57
  that
• 9:58
  you
• 9:58
  give
• 9:58
  us
• 9:58
  in
• 9:58
  our
• 9:58
  lives,
• 9:58
  Lord.
• 9:59
  And
• 10:00
  as
• 10:00
  we
• 10:00
  think
• 10:00
  about
• 10:00
  this
• 10:01
  automation
• 10:01
  and
• 10:01
  we
• 10:02
  really
• 10:02
  focus
• 10:03
  on
• 10:03
  this
• 10:03
  time
• 10:04
  of
• 10:04
  thinking
• 10:04
  about
• 10:04
  investments,
• 10:05
  Lord,
• 10:05
  we
• 10:06
  ask
• 10:06
  that
• 10:06
  you
• 10:06
  would
• 10:06
  help
• 10:07
  us
• 10:07
  to
• 10:07
  have
• 10:07
  discipline,
• 10:08
  Lord,
• 10:08
  to
• 10:08
  set
• 10:08
  up
• 10:08
  this
• 10:09
  automation.
• 10:10
  Help
• 10:10
  us
• 10:10
  not
• 10:10
  to
• 10:10
  delay
• 10:11
  these
• 10:11
  things
• 10:11
  and
• 10:11
  procrastinate
• 10:12
  when
• 10:12
  life
• 10:13
  gets
• 10:13
  so
• 10:13
  busy,
• 10:14
  Lord.
• 10:14
  And
• 10:15
  at
• 10:15
  the
• 10:15
  same
• 10:15
  time
• 10:15
  help
• 10:16
  us
• 10:16
  to
• 10:16
  build
• 10:16
  our
• 10:17
  faith
• 10:17
  and
• 10:17
  trust
• 10:17
  in
• 10:18
  you
• 10:18
  for
• 10:18
  our
• 10:18
  long
• 10:18
  term
• 10:19
  planning.
• 10:20
  We
• 10:20
  don't
• 10:20
  put
• 10:20
  all
• 10:20
  of
• 10:21
  our
• 10:21
  beliefs
• 10:21
  in
• 10:22
  our
• 10:22
  investments
• 10:23
  order
• 10:23
  what's
• 10:23
  in
• 10:23
  our
• 10:23
  bank
• 10:24
  account,
• 10:24
  but
• 10:24
  we
• 10:25
  do
• 10:25
  trust
• 10:25
  you
• 10:25
  that
• 10:26
  you're
• 10:26
  going
• 10:26
  to
• 10:26
  help
• 10:26
  us
• 10:27
  in
• 10:27
  this
• 10:27
  long
• 10:27
  term
• 10:27
  planning,
• 10:28
  Lord,
• 10:28
  we
• 10:28
  just
• 10:28
  give
• 10:28
  you
• 10:29
  all
• 10:29
  the
• 10:29
  gratitude
• 10:30
  in
• 10:30
  the
• 10:30
  world,
• 10:30
  Lord,
• 10:31
  for
• 10:31
  the
• 10:31
  steady
• 10:32
  growth
• 10:32
  that
• 10:32
  comes
• 10:32
  little
• 10:32
  by
• 10:33
  little.
• 10:33
  We
• 10:33
  see
• 10:33
  how
• 10:34
  these
• 10:34
  things
• 10:34
  multiply,
• 10:35
  Lord,
• 10:35
  and
• 10:35
  we
• 10:35
  know
• 10:35
  that
• 10:36
  is
• 10:36
  a
• 10:36
  function
• 10:37
  of
• 10:37
  your
• 10:37
  grace
• 10:38
  and
• 10:38
  your
• 10:38
  mercy
• 10:39
  for
• 10:39
  us.
• 10:39
  So
• 10:39
  Lord,
• 10:39
  we
• 10:39
  just
• 10:40
  ask
• 10:40
  that
• 10:40
  you
• 10:40
  would
• 10:40
  help
• 10:41
  us
• 10:41
  to
• 10:41
  be
• 10:41
  disciplined
• 10:42
  in
• 10:42
  that,
• 10:42
  help
• 10:42
  us
• 10:43
  to
• 10:43
  trust
• 10:43
  you,
• 10:43
  Lord,
• 10:43
  and
• 10:44
  we
• 10:44
  just
• 10:44
  thank
• 10:44
  you
• 10:44
  with
• 10:45
  a
• 10:45
  heart
• 10:45
  of
• 10:45
  gratitude
• 10:45
  and
• 10:45
  we
• 10:46
  ask
• 10:46
  this
• 10:46
  in
• 10:46
  the
• 10:47
  precious
• 10:47
  name
• 10:47
  of
• 10:47
  Jesus.
• 10:48
  Amen.
• 10:49
  So
• 10:50
  I
• 10:50
  always
• 10:50
  want
• 10:50
  to
• 10:50
  give
• 10:50
  you
• 10:50
  just
• 10:51
  one
• 10:51
  action
• 10:51
  item
• 10:52
  that
• 10:52
  you
• 10:52
  can
• 10:52
  take.
• 10:52
  So
• 10:52
  here's
• 10:53
  my
• 10:53
  action
• 10:53
  item
• 10:53
  for
• 10:54
  today.
• 10:54
  Super
• 10:54
  simple
• 10:55
  today.
• 10:55
  I
• 10:56
  just
• 10:56
  want
• 10:56
  you
• 10:56
  to
• 10:56
  set
• 10:56
  up
• 10:57
  one
• 10:57
  automatic
• 10:58
  contribution.
• 10:58
  If
• 10:59
  you've
• 10:59
  got
• 10:59
  a
• 10:59
  401k,
• 11:00
  set
• 11:00
  it,
• 11:01
  do
• 11:01
  it.
• 11:01
  If
• 11:01
  you
• 11:01
  don't
• 11:02
  have
• 11:02
  that,
• 11:02
  go
• 11:02
  set
• 11:03
  up
• 11:03
  that
• 11:03
  ira,
• 11:03
  go
• 11:03
  meet
• 11:04
  with
• 11:04
  your
• 11:04
  bank,
• 11:04
  go
• 11:05
  meet
• 11:05
  with
• 11:05
  a
• 11:05
  broker
• 11:05
  and
• 11:06
  get
• 11:06
  that
• 11:06
  set
• 11:06
  up.
• 11:06
  And
• 11:07
  listen,
• 11:07
  even
• 11:07
  if
• 11:07
  it's
• 11:08
  not
• 11:08
  that,
• 11:09
  set
• 11:09
  up
• 11:09
  your
• 11:09
  savings
• 11:10
  account
• 11:10
  with
• 11:10
  online
• 11:11
  banking
• 11:11
  and
• 11:11
  tools.
• 11:12
  You
• 11:12
  can
• 11:12
  set
• 11:12
  it
• 11:12
  up
• 11:12
  automatically
• 11:13
  so
• 11:13
  that
• 11:13
  when
• 11:14
  your
• 11:14
  paycheck
• 11:14
  hits
• 11:15
  or
• 11:15
  you
• 11:15
  or
• 11:15
  you
• 11:15
  get
• 11:15
  a
• 11:15
  deposit
• 11:16
  to
• 11:16
  your
• 11:16
  account,
• 11:17
  it
• 11:17
  goes
• 11:17
  directly
• 11:18
  into
• 11:18
  that
• 11:19
  savings
• 11:19
  because
• 11:19
  you're
• 11:19
  building
• 11:20
  for
• 11:20
  that
• 11:20
  future.
• 11:21
  And
• 11:21
  like
• 11:21
  I've
• 11:22
  said
• 11:22
  probably
• 11:22
  10
• 11:22
  times
• 11:23
  today,
• 11:23
  even
• 11:24
  if
• 11:24
  it's
• 11:24
  small,
• 11:25
  even
• 11:25
  if
• 11:25
  it's
• 11:26
  just
• 11:26
  a
• 11:26
  little
• 11:26
  bit,
• 11:27
  that
• 11:27
  automation
• 11:28
  builds
• 11:28
  that
• 11:28
  habit
• 11:29
  for
• 11:29
  you.
• 11:30
  I
• 11:30
  would
• 11:30
  really
• 11:31
  appreciate
• 11:31
  if
• 11:31
  you
• 11:31
  would
• 11:32
  consider
• 11:32
  supporting
• 11:32
  the
• 11:32
  show.
• 11:33
  This
• 11:34
  is
• 11:34
  truly
• 11:34
  a
• 11:34
  labor
• 11:35
  of
• 11:35
  love
• 11:35
  for
• 11:35
  me,
• 11:36
  but
• 11:36
  I
• 11:36
  would
• 11:36
  really
• 11:36
  appreciate
• 11:37
  it
• 11:37
  if
• 11:37
  you
• 11:37
  would
• 11:37
  support
• 11:37
  the
• 11:38
  show.
• 11:38
  If
• 11:38
  you
• 11:38
  were
• 11:38
  interested
• 11:38
  in
• 11:39
  supporting
• 11:39
  the
• 11:39
  show,
• 11:39
  you
• 11:40
  can
• 11:40
  give
• 11:40
  some
• 11:40
  money
• 11:40
  to
• 11:41
  the
• 11:41
  show.
• 11:41
  You
• 11:41
  can
• 11:41
  help
• 11:41
  us
• 11:42
  grow
• 11:42
  the
• 11:42
  show,
• 11:43
  help
• 11:43
  us
• 11:43
  do
• 11:43
  more
• 11:43
  advertising
• 11:44
  and
• 11:44
  really
• 11:45
  reach
• 11:45
  more
• 11:45
  people
• 11:46
  with
• 11:46
  what
• 11:46
  I
• 11:46
  feel
• 11:46
  is
• 11:47
  a
• 11:47
  positive
• 11:47
  message
• 11:48
  of
• 11:48
  hope
• 11:48
  and
• 11:48
  it's
• 11:49
  a
• 11:49
  way
• 11:49
  to
• 11:49
  break
• 11:49
  that
• 11:50
  cycle
• 11:50
  that
• 11:50
  so
• 11:50
  many
• 11:51
  people
• 11:51
  are
• 11:51
  feeling
• 11:52
  in
• 11:52
  financial
• 11:52
  shame.
• 11:53
  And
• 11:53
  if
• 11:53
  you
• 11:53
  want
• 11:53
  to
• 11:53
  support
• 11:53
  the
• 11:54
  show,
• 11:54
  you
• 11:54
  can
• 11:54
  go
• 11:55
  to
• 11:55
  FinanciallyConfidentChristian.com/support.
• 11:58
  It's
• 11:59
  super
• 11:59
  simple.
• 11:59
  Again,
• 12:00
  go
• 12:00
  to
• 12:00
  FinanciallyConfidentChristian.com/support.
• 12:04
  So
• 12:04
  as
• 12:05
  I
• 12:05
  recap
• 12:05
  today,
• 12:06
  today
• 12:06
  was
• 12:06
  all
• 12:06
  about
• 12:07
  automation.
• 12:08
  It's
• 12:08
  all
• 12:08
  about
• 12:08
  building
• 12:09
  that
• 12:09
  consistency
• 12:10
  without
• 12:10
  feeling
• 12:11
  that
• 12:11
  stress
• 12:12
  all
• 12:12
  the
• 12:12
  time.
• 12:13
  Because
• 12:13
  when
• 12:13
  you
• 12:13
  do
• 12:13
  this,
• 12:14
  and
• 12:14
  trust
• 12:14
  me
• 12:14
  on
• 12:15
  this,
• 12:15
  when
• 12:15
  you
• 12:15
  do
• 12:15
  this,
• 12:16
  it
• 12:16
  takes
• 12:16
  away
• 12:16
  the
• 12:17
  excuses
• 12:18
  and
• 12:18
  it
• 12:18
  takes
• 12:18
  away
• 12:18
  the
• 12:19
  forgetfulness
• 12:20
  and
• 12:20
  those
• 12:20
  small,
• 12:20
  regular
• 12:21
  amounts,
• 12:22
  as
• 12:22
  I
• 12:22
  said,
• 12:22
  think
• 12:23
  about
• 12:23
  that
• 12:23
  $900
• 12:24
  a
• 12:24
  year,
• 12:25
  $179,000
• 12:27
  at
• 12:27
  retirement.
• 12:28
  Those
• 12:29
  small
• 12:29
  amounts
• 12:29
  lead
• 12:30
  to
• 12:30
  big
• 12:30
  results
• 12:30
  over
• 12:31
  the
• 12:31
  time
• 12:32
  and
• 12:32
  it
• 12:32
  helps
• 12:32
  us
• 12:32
  live
• 12:32
  out
• 12:33
  that
• 12:33
  faithfulness
• 12:34
  in
• 12:34
  that
• 12:34
  discipline
• 12:35
  to
• 12:35
  bring
• 12:35
  peace
• 12:36
  in
• 12:36
  our
• 12:36
  finances,
• 12:37
  in
• 12:37
  our
• 12:37
  faith.
• 12:38
  You
• 12:38
  can
• 12:39
  do
• 12:39
  this.
• 12:39
  I
• 12:39
  have
• 12:40
  the
• 12:40
  utmost
• 12:41
  belief
• 12:41
  in
• 12:41
  you.
• 12:42
  Believe
• 12:42
  in
• 12:42
  yourself,
• 12:43
  because
• 12:43
  I'm
• 12:43
  going
• 12:43
  to
• 12:43
  tell
• 12:43
  you
• 12:43
  right
• 12:43
  now,
• 12:44
  the
• 12:44
  Lord
• 12:44
  believes
• 12:45
  in
• 12:45
  you.
• 12:45
  So
• 12:46
  go
• 12:46
  out
• 12:46
  there
• 12:46
  today
• 12:46
  and
• 12:47
  be
• 12:47
  a
• 12:47
  financially
• 12:48
  confident
• 12:48
  Christian.
• 12:49
  Stay
• 12:49
  financially
• 12:50
  savvy.
• 12:50
  God
• 12:50
  bless
• 12:51
  you.
• 12:51
  And
• 12:51
  don't
• 12:51
  forget
• 12:51
  to
• 12:51
  join
• 12:52
  me
• 12:52
  again
• 12:52
  tomorrow
• 12:52
  where
• 12:53
  we're
• 12:53
  going
• 12:53
  to
• 12:53
  be
• 12:53
  talking
• 12:53
  about
• 12:54
  investment
• 12:54
  fees.
• 12:55
  A
• 12:55
  lot
• 12:55
  of
• 12:55
  people
• 12:55
  don't
• 12:55
  understand
• 12:56
  just
• 12:56
  how
• 12:57
  much
• 12:57
  they're
• 12:57
  paying
• 12:57
  for
• 12:57
  those
• 12:58
  investments.
• 12:58
  Well,
• 12:59
  I'm
• 12:59
  going
• 12:59
  to
• 12:59
  pull
• 12:59
  the
• 12:59
  lid
• 13:00
  off
• 13:00
  tomorrow
• 13:00
  and
• 13:01
  I'm
• 13:01
  going
• 13:01
  to
• 13:01
  show
• 13:01
  you
• 13:01
  just
• 13:01
  how
• 13:01
  much
• 13:02
  you're
• 13:02
  paying.
• 13:02
  So
• 13:02
  make
• 13:02
  sure
• 13:02
  you
• 13:02
  join
• 13:03
  me
• 13:03
  tomorrow.
• 13:04
  God
• 13:04
  bless
• 13:04
  you.
• 13:04
  And
• 13:04
  you
• 13:04
  have
• 13:05
  a
• 13:05
  great
• 13:05
  day
• 13:05
  today.