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How Do I Build Good Money Habits Without Missing Out on Life? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  looked
• 0:38
  at
• 0:38
  your
• 0:38
  paycheck
• 0:39
  and
• 0:39
  felt
• 0:39
  both
• 0:39
  excited
• 0:40
  and
• 0:41
  unsure
• 0:41
  at
• 0:41
  the
• 0:42
  same
• 0:42
  time?
• 0:43
  Like
• 0:44
  you
• 0:44
  finally
• 0:44
  have
• 0:44
  your
• 0:44
  own
• 0:45
  money,
• 0:46
  but
• 0:46
  you've
• 0:46
  got
• 0:47
  no
• 0:47
  clear
• 0:47
  plan
• 0:48
  for
• 0:48
  what
• 0:48
  to
• 0:48
  do
• 0:48
  with
• 0:49
  it?
• 0:50
  Sure,
• 0:50
  you
• 0:50
  want
• 0:50
  to
• 0:51
  be
• 0:51
  responsible,
• 0:52
  but
• 0:52
  you
• 0:53
  also
• 0:53
  don't
• 0:53
  want
• 0:53
  to
• 0:53
  miss
• 0:54
  out
• 0:54
  on
• 0:54
  life.
• 0:56
  So
• 0:56
  if
• 0:56
  you've
• 0:56
  ever
• 0:56
  wondered
• 0:57
  how
• 0:57
  to
• 0:57
  balance
• 0:57
  both.
• 0:59
  Today
• 0:59
  we're
• 0:59
  going
• 0:59
  to
• 0:59
  talk
• 1:00
  about
• 1:00
  how
• 1:00
  to
• 1:00
  build
• 1:00
  wise
• 1:01
  habits
• 1:02
  without
• 1:02
  losing
• 1:03
  your
• 1:03
  joy
• 1:03
  of
• 1:03
  life.
• 1:04
  Going
• 1:04
  to
• 1:04
  be
• 1:04
  a
• 1:04
  great
• 1:04
  show
• 1:05
  today.
• 1:26
  Hello,
• 1:27
  friend.
• 1:27
  Ralph
• 1:28
  sttep
• 1:28
  Jr.
• 1:29
  Here.
• 1:29
  Welcome
• 1:30
  to
• 1:30
  Financially
• 1:30
  Confident
• 1:31
  Christian,
• 1:32
  where
• 1:32
  we're
• 1:32
  breaking
• 1:33
  the
• 1:33
  cycle
• 1:33
  of
• 1:34
  financial
• 1:34
  shame
• 1:35
  and
• 1:35
  living
• 1:36
  in
• 1:36
  confidence.
• 1:37
  And
• 1:38
  today
• 1:38
  we're
• 1:38
  going
• 1:38
  to
• 1:38
  talk
• 1:39
  about
• 1:39
  how
• 1:39
  to
• 1:39
  build
• 1:40
  good
• 1:40
  money
• 1:40
  habits
• 1:41
  without
• 1:41
  missing
• 1:41
  out
• 1:42
  on
• 1:42
  life.
• 1:44
  So
• 1:44
  many
• 1:44
  people
• 1:44
  have
• 1:44
  said,
• 1:45
  ralph,
• 1:45
  you
• 1:45
  know,
• 1:45
  you
• 1:45
  give
• 1:46
  me
• 1:46
  some
• 1:46
  great
• 1:46
  ideas,
• 1:46
  but,
• 1:47
  man,
• 1:47
  I
• 1:47
  feel
• 1:47
  like
• 1:47
  I'm
• 1:47
  missing
• 1:48
  out
• 1:48
  on
• 1:48
  life.
• 1:49
  Which
• 1:49
  leads
• 1:50
  to
• 1:50
  this
• 1:50
  question
• 1:50
  that
• 1:50
  we
• 1:51
  got.
• 1:51
  Listener
• 1:52
  writes
• 1:52
  this
• 1:52
  Ralph,
• 1:53
  I'm
• 1:54
  starting
• 1:54
  to
• 1:54
  experience
• 1:55
  financial
• 1:55
  independence
• 1:56
  for
• 1:56
  the
• 1:56
  first
• 1:57
  time.
• 1:58
  And
• 1:58
  honestly,
• 1:59
  I
• 1:59
  don't
• 2:00
  want
• 2:00
  to
• 2:00
  mess
• 2:00
  it
• 2:00
  up.
• 2:01
  I'm
• 2:01
  earning
• 2:02
  my
• 2:02
  own
• 2:02
  money
• 2:02
  now,
• 2:03
  but
• 2:04
  I'm
• 2:04
  not
• 2:04
  always
• 2:04
  sure
• 2:05
  how
• 2:05
  to
• 2:05
  manage
• 2:05
  it
• 2:06
  wisely.
• 2:07
  There
• 2:07
  are
• 2:08
  so
• 2:08
  many
• 2:08
  voices.
• 2:09
  Save,
• 2:10
  spend,
• 2:11
  invest,
• 2:11
  enjoy.
• 2:13
  And
• 2:13
  it
• 2:13
  gets
• 2:14
  overwhelming.
• 2:15
  I
• 2:16
  want
• 2:16
  to
• 2:16
  build
• 2:16
  good
• 2:17
  habits
• 2:17
  early,
• 2:18
  not
• 2:18
  learn
• 2:19
  everything
• 2:19
  the
• 2:19
  hard
• 2:20
  way
• 2:20
  later.
• 2:21
  At
• 2:21
  the
• 2:21
  same
• 2:22
  time,
• 2:22
  I
• 2:22
  still
• 2:23
  want
• 2:23
  to
• 2:23
  enjoy
• 2:23
  life.
• 2:24
  I
• 2:24
  don't
• 2:25
  want
• 2:25
  to
• 2:25
  feel
• 2:25
  restricted
• 2:26
  or
• 2:26
  anxious
• 2:26
  about
• 2:26
  every
• 2:27
  dollar.
• 2:29
  What
• 2:29
  financial
• 2:30
  advice
• 2:30
  would
• 2:30
  you
• 2:31
  give
• 2:31
  to
• 2:31
  someone
• 2:31
  like
• 2:31
  me
• 2:32
  who's
• 2:32
  just
• 2:32
  starting
• 2:33
  out
• 2:34
  and
• 2:34
  wants
• 2:34
  to
• 2:34
  be
• 2:34
  responsible
• 2:36
  without
• 2:36
  missing
• 2:37
  out?
• 2:39
  It's
• 2:39
  funny,
• 2:39
  I
• 2:40
  think
• 2:40
  about
• 2:40
  fomo.
• 2:41
  First
• 2:41
  time
• 2:42
  I
• 2:42
  saw
• 2:42
  that,
• 2:42
  what
• 2:42
  does
• 2:43
  FOMO
• 2:43
  mean?
• 2:43
  I
• 2:43
  had
• 2:43
  no
• 2:44
  idea.
• 2:44
  Fear
• 2:45
  of
• 2:45
  missing
• 2:45
  out.
• 2:47
  I
• 2:47
  get
• 2:47
  it.
• 2:48
  So,
• 2:49
  friend
• 2:49
  first,
• 2:49
  let's
• 2:50
  take
• 2:50
  a
• 2:50
  breath.
• 2:52
  Just
• 2:52
  pause
• 2:52
  for
• 2:52
  a
• 2:52
  second.
• 2:53
  Deep
• 2:53
  breath.
• 2:54
  And
• 2:55
  now
• 2:55
  we
• 2:55
  go.
• 2:56
  The
• 2:57
  fact
• 2:57
  that
• 2:57
  you're
• 2:57
  asking
• 2:58
  this
• 2:58
  question
• 2:59
  already
• 3:00
  puts
• 3:00
  you
• 3:00
  ahead
• 3:00
  of
• 3:00
  most
• 3:01
  people.
• 3:01
  Where
• 3:02
  most
• 3:02
  people
• 3:02
  start,
• 3:03
  it
• 3:03
  just
• 3:03
  does.
• 3:05
  And
• 3:05
  I'm
• 3:05
  going
• 3:06
  to
• 3:06
  tell
• 3:06
  you
• 3:06
  something
• 3:06
  secret
• 3:06
  right
• 3:07
  here.
• 3:08
  This
• 3:08
  isn't
• 3:09
  just
• 3:09
  about
• 3:09
  money.
• 3:11
  This
• 3:11
  is
• 3:12
  about
• 3:12
  stewardship.
• 3:12
  It's
• 3:12
  a
• 3:13
  big
• 3:13
  word.
• 3:13
  We
• 3:13
  use
• 3:13
  it
• 3:13
  on
• 3:13
  this
• 3:14
  show
• 3:14
  all
• 3:14
  the
• 3:14
  time.
• 3:16
  It's
• 3:16
  about
• 3:16
  stewardship,
• 3:17
  it's
• 3:17
  about
• 3:18
  identity,
• 3:20
  and
• 3:20
  it's
• 3:20
  about
• 3:20
  learning
• 3:21
  how
• 3:21
  to
• 3:21
  live
• 3:21
  with
• 3:22
  wisdom
• 3:22
  early.
• 3:24
  And
• 3:25
  that
• 3:25
  matters.
• 3:27
  So
• 3:27
  many
• 3:28
  people
• 3:28
  struggle
• 3:28
  with
• 3:28
  this.
• 3:29
  I
• 3:29
  talk
• 3:29
  about
• 3:29
  that.
• 3:29
  Living
• 3:30
  in
• 3:30
  financial
• 3:30
  shame.
• 3:31
  Well,
• 3:31
  you're
• 3:31
  trying
• 3:31
  to
• 3:31
  prevent
• 3:32
  the
• 3:32
  financial
• 3:32
  shame
• 3:32
  in
• 3:33
  the
• 3:33
  first
• 3:33
  place.
• 3:33
  So
• 3:33
  big
• 3:34
  thumbs
• 3:34
  up
• 3:34
  from
• 3:34
  Ralph.
• 3:35
  It's
• 3:35
  a
• 3:35
  great
• 3:36
  plan.
• 3:37
  But
• 3:37
  renew
• 3:38
  this.
• 3:39
  Financial
• 3:39
  freedom
• 3:40
  is
• 3:40
  built
• 3:40
  on
• 3:41
  small,
• 3:41
  consistent
• 3:42
  habits,
• 3:43
  not
• 3:43
  perfect
• 3:43
  decisions.
• 3:45
  So
• 3:45
  first
• 3:45
  thing
• 3:45
  I
• 3:45
  want
• 3:45
  to
• 3:46
  tell
• 3:46
  you
• 3:46
  right
• 3:46
  now,
• 3:47
  you
• 3:47
  are
• 3:47
  going
• 3:47
  to
• 3:48
  make
• 3:48
  mistakes.
• 3:49
  You
• 3:50
  are
• 3:50
  going
• 3:50
  to
• 3:51
  Stumble,
• 3:52
  you
• 3:52
  are
• 3:52
  going
• 3:53
  to
• 3:53
  stub
• 3:53
  your
• 3:53
  toe
• 3:53
  and
• 3:54
  it's
• 3:54
  going
• 3:54
  to
• 3:54
  hurt.
• 3:56
  But
• 3:56
  the
• 3:56
  fact
• 3:56
  that
• 3:57
  you
• 3:57
  know
• 3:57
  you're
• 3:58
  starting
• 3:58
  out,
• 3:58
  don't
• 3:59
  expect
• 4:00
  perfection,
• 4:02
  but
• 4:02
  just
• 4:02
  be
• 4:02
  consistent.
• 4:03
  So
• 4:03
  let's
• 4:03
  talk
• 4:04
  about
• 4:04
  how
• 4:04
  do
• 4:04
  you
• 4:04
  practically
• 4:05
  do
• 4:05
  that?
• 4:05
  Because
• 4:05
  I
• 4:05
  do
• 4:05
  have
• 4:06
  some
• 4:06
  practical
• 4:06
  tips.
• 4:06
  Number
• 4:07
  one
• 4:07
  thing,
• 4:08
  you
• 4:08
  asked
• 4:09
  me,
• 4:09
  what
• 4:09
  would
• 4:09
  I
• 4:09
  do
• 4:11
  for
• 4:11
  a
• 4:11
  new
• 4:12
  person
• 4:13
  to
• 4:13
  do
• 4:13
  this,
• 4:14
  just
• 4:15
  starting
• 4:15
  out.
• 4:15
  Number
• 4:16
  one
• 4:16
  thing,
• 4:16
  give
• 4:17
  every
• 4:17
  dollar
• 4:18
  a
• 4:18
  purpose.
• 4:19
  You're
• 4:20
  thinking,
• 4:20
  Ralph,
• 4:20
  Wait
• 4:20
  a
• 4:20
  minute.
• 4:21
  Every
• 4:21
  dollar
• 4:21
  is
• 4:21
  a
• 4:21
  purpose.
• 4:21
  What
• 4:22
  do
• 4:22
  you
• 4:22
  mean
• 4:22
  by
• 4:22
  that?
• 4:23
  If
• 4:23
  you
• 4:24
  don't
• 4:24
  tell
• 4:24
  your
• 4:24
  money
• 4:24
  where
• 4:25
  to
• 4:25
  go,
• 4:26
  it's
• 4:27
  going
• 4:27
  to
• 4:27
  disappear
• 4:27
  without
• 4:28
  you
• 4:28
  noticing
• 4:28
  it.
• 4:29
  Personal
• 4:30
  experience.
• 4:31
  When
• 4:31
  I
• 4:31
  first
• 4:32
  started
• 4:32
  earning
• 4:32
  serious
• 4:33
  my
• 4:33
  own
• 4:33
  income,
• 4:35
  I
• 4:35
  didn't
• 4:35
  tell
• 4:35
  my
• 4:36
  dollars
• 4:36
  where
• 4:36
  to
• 4:36
  go.
• 4:36
  Guess
• 4:37
  what
• 4:37
  they
• 4:37
  went.
• 4:38
  I
• 4:38
  couldn't
• 4:38
  tell
• 4:38
  you
• 4:38
  where
• 4:39
  they
• 4:39
  went.
• 4:40
  So
• 4:41
  start
• 4:41
  simple.
• 4:42
  It's
• 4:42
  a
• 4:42
  simple
• 4:42
  thing.
• 4:43
  Plan
• 4:43
  your
• 4:43
  spending
• 4:44
  before
• 4:44
  it
• 4:44
  happens.
• 4:46
  Including
• 4:47
  essentials
• 4:48
  and
• 4:48
  savings
• 4:49
  and
• 4:49
  giving
• 4:49
  and
• 4:49
  yes,
• 4:51
  fun.
• 4:51
  You
• 4:51
  can
• 4:51
  plan
• 4:52
  for
• 4:52
  fun.
• 4:53
  You
• 4:53
  work
• 4:53
  hard,
• 4:54
  have
• 4:54
  fun
• 4:54
  doing
• 4:55
  it.
• 4:56
  I
• 4:57
  spent
• 4:57
  two
• 4:57
  hours
• 4:57
  on
• 4:57
  my
• 4:58
  motorcycle
• 4:58
  this
• 4:58
  weekend.
• 4:59
  There's
• 5:00
  no
• 5:00
  business
• 5:00
  purpose
• 5:01
  for
• 5:01
  that.
• 5:01
  That
• 5:01
  was
• 5:01
  just
• 5:02
  pure
• 5:02
  fun.
• 5:03
  Got
• 5:03
  a
• 5:03
  little
• 5:03
  red
• 5:04
  in
• 5:04
  my
• 5:04
  face
• 5:04
  and
• 5:04
  didn't
• 5:05
  realize
• 5:05
  I
• 5:05
  got
• 5:05
  sunburned
• 5:06
  here.
• 5:07
  But
• 5:08
  this
• 5:08
  plan
• 5:08
  is
• 5:08
  not
• 5:09
  a
• 5:09
  restriction,
• 5:09
  it's
• 5:10
  just
• 5:10
  a
• 5:10
  direction.
• 5:12
  Got
• 5:12
  to
• 5:12
  build
• 5:13
  some
• 5:13
  fun
• 5:13
  into
• 5:13
  it.
• 5:15
  So
• 5:15
  start
• 5:15
  there.
• 5:15
  Give
• 5:16
  every
• 5:16
  dollar
• 5:17
  a
• 5:17
  job.
• 5:17
  Then.
• 5:18
  Second
• 5:18
  thing,
• 5:18
  pay
• 5:19
  your
• 5:19
  future
• 5:20
  self
• 5:20
  first
• 5:22
  before
• 5:22
  you
• 5:22
  spend
• 5:23
  anything
• 5:23
  else.
• 5:24
  This
• 5:24
  is
• 5:25
  a
• 5:25
  mistake
• 5:25
  that
• 5:25
  I
• 5:25
  made,
• 5:26
  so
• 5:26
  hear
• 5:26
  me
• 5:27
  loud
• 5:27
  and
• 5:27
  clear
• 5:27
  on
• 5:27
  this
• 5:28
  one.
• 5:28
  Before
• 5:28
  you
• 5:29
  spend
• 5:29
  anything,
• 5:30
  set
• 5:31
  aside
• 5:31
  a
• 5:31
  portion
• 5:31
  for
• 5:32
  savings,
• 5:34
  even
• 5:34
  if
• 5:34
  it
• 5:34
  feels
• 5:35
  small.
• 5:36
  Because
• 5:37
  that
• 5:37
  habit
• 5:37
  matters
• 5:38
  more
• 5:38
  than
• 5:38
  the
• 5:38
  amount.
• 5:38
  The
• 5:39
  habit
• 5:39
  of
• 5:39
  starting
• 5:40
  to
• 5:40
  save
• 5:41
  is
• 5:42
  going
• 5:42
  to
• 5:42
  be
• 5:42
  a
• 5:42
  habit
• 5:43
  that
• 5:43
  you
• 5:43
  are
• 5:43
  going
• 5:43
  to
• 5:43
  be
• 5:43
  thankful
• 5:44
  for
• 5:44
  the
• 5:44
  rest
• 5:44
  of
• 5:44
  your
• 5:44
  life.
• 5:45
  I've
• 5:45
  shared
• 5:45
  on
• 5:45
  the
• 5:45
  show
• 5:45
  that
• 5:46
  I
• 5:46
  started
• 5:46
  saving
• 5:46
  a
• 5:47
  little
• 5:47
  bit
• 5:47
  later
• 5:47
  in
• 5:47
  life
• 5:49
  because
• 5:49
  what
• 5:49
  I've
• 5:49
  realized
• 5:50
  now
• 5:50
  is
• 5:50
  you're
• 5:50
  not
• 5:50
  just
• 5:51
  saving
• 5:51
  money.
• 5:53
  That's
• 5:53
  great.
• 5:53
  It
• 5:54
  will
• 5:54
  build,
• 5:54
  it
• 5:54
  will
• 5:54
  compound.
• 5:55
  It's
• 5:55
  a
• 5:55
  great
• 5:55
  thing
• 5:55
  to
• 5:55
  do.
• 5:56
  But
• 5:56
  you're
• 5:56
  building
• 5:56
  trust
• 5:57
  with
• 5:57
  yourself.
• 5:59
  One
• 5:59
  of
• 5:59
  the
• 5:59
  things
• 6:00
  you
• 6:00
  talked
• 6:00
  about
• 6:00
  in
• 6:00
  your
• 6:00
  question
• 6:01
  is,
• 6:01
  I
• 6:01
  don't
• 6:01
  want
• 6:01
  to
• 6:01
  make
• 6:02
  mistakes.
• 6:02
  So
• 6:02
  you
• 6:02
  got
• 6:02
  to
• 6:02
  build
• 6:03
  that
• 6:03
  trust.
• 6:04
  But
• 6:05
  then
• 6:05
  enjoy
• 6:06
  your
• 6:06
  money
• 6:06
  on
• 6:06
  purpose.
• 6:08
  And
• 6:08
  this
• 6:09
  is
• 6:09
  that
• 6:09
  balance
• 6:09
  we
• 6:10
  talked
• 6:10
  about,
• 6:12
  friend.
• 6:12
  You're
• 6:12
  allowed
• 6:13
  to
• 6:13
  enjoy
• 6:13
  what
• 6:13
  God
• 6:14
  has
• 6:14
  given
• 6:14
  you.
• 6:16
  God
• 6:16
  didn't
• 6:16
  intend
• 6:17
  to
• 6:17
  just
• 6:17
  give
• 6:17
  it
• 6:17
  to
• 6:17
  you.
• 6:17
  Well,
• 6:17
  you
• 6:17
  better
• 6:18
  do
• 6:18
  this,
• 6:18
  you
• 6:18
  better
• 6:18
  do
• 6:18
  that.
• 6:19
  No,
• 6:19
  I
• 6:19
  don't
• 6:19
  believe
• 6:19
  that
• 6:20
  for
• 6:20
  one
• 6:20
  minute.
• 6:20
  You're
• 6:21
  allowed
• 6:21
  to
• 6:21
  enjoy
• 6:22
  what
• 6:22
  God
• 6:22
  has
• 6:22
  given
• 6:23
  you.
• 6:24
  So
• 6:24
  include
• 6:24
  joy
• 6:25
  in
• 6:25
  your
• 6:25
  plan.
• 6:27
  I
• 6:27
  don't
• 6:27
  know
• 6:27
  what
• 6:27
  joy
• 6:28
  looks
• 6:28
  like
• 6:28
  for
• 6:28
  you.
• 6:28
  For
• 6:28
  me,
• 6:29
  I
• 6:29
  like
• 6:29
  to
• 6:29
  eat
• 6:29
  out.
• 6:29
  I've
• 6:29
  talked
• 6:30
  about
• 6:30
  that
• 6:30
  before.
• 6:30
  My
• 6:31
  wife
• 6:31
  and
• 6:31
  I
• 6:31
  basically
• 6:31
  eat
• 6:32
  out
• 6:32
  Friday,
• 6:32
  Saturday
• 6:32
  and
• 6:32
  Sunday.
• 6:33
  Sometimes
• 6:33
  she
• 6:33
  says,
• 6:33
  ralph,
• 6:34
  all
• 6:34
  we
• 6:34
  do
• 6:34
  is
• 6:34
  eat
• 6:34
  out.
• 6:35
  Now
• 6:35
  we
• 6:36
  eat
• 6:36
  home
• 6:36
  the
• 6:36
  other
• 6:36
  nights.
• 6:37
  Because
• 6:37
  she's
• 6:37
  a
• 6:37
  good
• 6:37
  cook,
• 6:37
  she
• 6:38
  takes
• 6:38
  care
• 6:38
  of
• 6:38
  things.
• 6:40
  So
• 6:40
  for
• 6:40
  you,
• 6:40
  whether
• 6:41
  that's
• 6:41
  eating
• 6:41
  out
• 6:42
  or
• 6:42
  hobbies,
• 6:43
  maybe
• 6:43
  you
• 6:43
  love
• 6:43
  to
• 6:43
  travel.
• 6:44
  Maybe
• 6:45
  it's
• 6:45
  those
• 6:45
  small
• 6:45
  rewards.
• 6:47
  Include
• 6:48
  those
• 6:48
  joyful
• 6:48
  things
• 6:49
  in
• 6:49
  your
• 6:49
  plan.
• 6:51
  But
• 6:51
  see,
• 6:51
  when
• 6:52
  you
• 6:52
  include
• 6:52
  them,
• 6:52
  it
• 6:53
  becomes
• 6:53
  guilt
• 6:53
  free.
• 6:54
  It's
• 6:55
  intentional
• 6:55
  at
• 6:56
  that
• 6:56
  point.
• 6:56
  It's
• 6:56
  not
• 6:57
  just
• 6:57
  some
• 6:57
  random
• 6:57
  spending.
• 6:59
  Here's
• 6:59
  another
• 7:00
  thing
• 7:00
  for
• 7:00
  new
• 7:01
  as
• 7:01
  you're
• 7:01
  starting
• 7:01
  out,
• 7:02
  avoid
• 7:02
  lifestyle
• 7:03
  inflation
• 7:04
  early.
• 7:05
  This
• 7:06
  bites
• 7:06
  a
• 7:06
  lot
• 7:06
  of
• 7:07
  people.
• 7:08
  As
• 7:08
  your
• 7:08
  income
• 7:09
  grows,
• 7:09
  you're
• 7:10
  going
• 7:10
  to
• 7:10
  feel
• 7:10
  a
• 7:10
  temptation
• 7:11
  to
• 7:11
  upgrade
• 7:11
  everything.
• 7:13
  Yeah,
• 7:13
  you're
• 7:13
  going
• 7:13
  to
• 7:14
  want
• 7:14
  the
• 7:14
  better
• 7:14
  phone,
• 7:15
  better
• 7:16
  clothes,
• 7:17
  better
• 7:17
  car,
• 7:18
  bigger
• 7:18
  house,
• 7:20
  more
• 7:21
  spending.
• 7:23
  And
• 7:23
  problem
• 7:23
  with
• 7:24
  that
• 7:24
  is
• 7:24
  your
• 7:25
  income
• 7:25
  increased,
• 7:27
  but
• 7:27
  your
• 7:27
  margin
• 7:28
  didn't.
• 7:29
  Now
• 7:29
  you
• 7:30
  just
• 7:30
  got
• 7:30
  bigger
• 7:30
  expenses.
• 7:31
  You
• 7:31
  got
• 7:32
  the
• 7:32
  income
• 7:32
  to
• 7:32
  do
• 7:32
  it.
• 7:32
  I
• 7:32
  get
• 7:33
  it.
• 7:33
  But
• 7:34
  you
• 7:34
  have
• 7:34
  what
• 7:34
  I
• 7:34
  call
• 7:34
  lifestyle
• 7:35
  creep.
• 7:37
  And
• 7:37
  lifestyle
• 7:38
  is
• 7:39
  a
• 7:39
  nasty
• 7:39
  creep
• 7:41
  because
• 7:41
  just
• 7:42
  because
• 7:42
  you
• 7:42
  can
• 7:42
  afford
• 7:43
  it
• 7:43
  doesn't
• 7:43
  mean
• 7:43
  you
• 7:44
  need
• 7:44
  it.
• 7:45
  I
• 7:45
  think
• 7:45
  there's
• 7:45
  this
• 7:45
  push
• 7:46
  sometimes,
• 7:46
  well,
• 7:47
  I
• 7:47
  can
• 7:47
  afford
• 7:47
  this.
• 7:47
  So
• 7:47
  I
• 7:48
  got
• 7:48
  to
• 7:48
  buy
• 7:48
  the
• 7:48
  nicest
• 7:48
  shirts,
• 7:49
  I
• 7:49
  got
• 7:49
  to
• 7:49
  buy
• 7:50
  the
• 7:50
  nicest
• 7:50
  clothes,
• 7:50
  I
• 7:51
  got
• 7:51
  to
• 7:51
  have
• 7:51
  the
• 7:51
  nicest
• 7:51
  handbags.
• 7:53
  That
• 7:54
  sounds
• 7:54
  good,
• 7:54
  but
• 7:54
  it's
• 7:54
  not
• 7:55
  always
• 7:55
  the
• 7:55
  best
• 7:55
  advice.
• 7:57
  So
• 7:58
  give
• 7:58
  your
• 7:58
  income
• 7:58
  room
• 7:59
  to
• 7:59
  grow
• 7:59
  without
• 8:00
  your
• 8:00
  expenses
• 8:01
  chasing
• 8:01
  it.
• 8:01
  One
• 8:01
  of
• 8:01
  the
• 8:01
  things
• 8:01
  I
• 8:02
  tell
• 8:02
  people
• 8:02
  to
• 8:02
  do
• 8:02
  all
• 8:02
  the
• 8:02
  time,
• 8:03
  first
• 8:03
  thing
• 8:03
  you
• 8:03
  do
• 8:04
  as
• 8:04
  your
• 8:04
  income
• 8:05
  grows,
• 8:05
  put
• 8:05
  more
• 8:06
  of
• 8:06
  it
• 8:06
  away
• 8:06
  for
• 8:06
  savings.
• 8:08
  If
• 8:08
  you've
• 8:08
  got
• 8:08
  a
• 8:08
  401k
• 8:09
  or
• 8:09
  retirement
• 8:10
  plan,
• 8:10
  put
• 8:10
  more
• 8:10
  into
• 8:11
  that
• 8:11
  first.
• 8:11
  Yes,
• 8:12
  it's
• 8:12
  okay
• 8:12
  to
• 8:13
  let
• 8:13
  your
• 8:13
  lifestyle
• 8:13
  grow
• 8:14
  a
• 8:14
  little
• 8:14
  bit.
• 8:15
  But
• 8:15
  build
• 8:16
  those
• 8:16
  habits
• 8:16
  in
• 8:16
  first.
• 8:18
  And
• 8:18
  here's
• 8:18
  the
• 8:19
  big
• 8:19
  takeaway,
• 8:19
  here's
• 8:19
  the
• 8:20
  smash
• 8:20
  of
• 8:20
  today.
• 8:22
  If
• 8:22
  you
• 8:22
  listen
• 8:22
  to
• 8:22
  nothing
• 8:23
  else
• 8:23
  I
• 8:23
  say
• 8:24
  today,
• 8:25
  stay
• 8:25
  anchored
• 8:26
  in
• 8:26
  your
• 8:26
  values.
• 8:29
  Because
• 8:29
  that's
• 8:29
  what
• 8:29
  it
• 8:29
  really
• 8:29
  all
• 8:30
  comes
• 8:30
  down
• 8:30
  to.
• 8:31
  Your
• 8:32
  earnings,
• 8:32
  your
• 8:32
  job,
• 8:33
  what
• 8:33
  you're
• 8:33
  making
• 8:33
  could
• 8:33
  be
• 8:34
  gone
• 8:34
  in
• 8:34
  a
• 8:35
  split
• 8:35
  second.
• 8:35
  Gone.
• 8:37
  But
• 8:38
  what
• 8:38
  I
• 8:38
  have
• 8:38
  found
• 8:38
  is
• 8:39
  money
• 8:39
  decisions
• 8:39
  become
• 8:40
  easier
• 8:41
  when
• 8:41
  you
• 8:41
  know
• 8:42
  what
• 8:42
  matters
• 8:42
  most.
• 8:45
  You
• 8:45
  got
• 8:45
  to
• 8:45
  know
• 8:46
  what
• 8:46
  matters.
• 8:48
  Ask
• 8:48
  yourself,
• 8:49
  what
• 8:49
  kind
• 8:49
  of
• 8:49
  life
• 8:49
  am
• 8:50
  I
• 8:50
  trying
• 8:50
  to
• 8:50
  build?
• 8:52
  I'm
• 8:52
  not
• 8:52
  talking
• 8:53
  about
• 8:53
  today.
• 8:54
  I'm
• 8:54
  talking
• 8:54
  about
• 8:55
  five,
• 8:55
  ten,
• 8:56
  twenty
• 8:56
  years
• 8:56
  from
• 8:57
  now.
• 8:59
  Because
• 8:59
  when
• 8:59
  your
• 8:59
  values
• 9:00
  are
• 9:00
  clear,
• 9:02
  your
• 9:02
  decisions
• 9:03
  are
• 9:03
  going
• 9:03
  to
• 9:03
  follow.
• 9:06
  Because
• 9:06
  here's
• 9:07
  the
• 9:07
  thing,
• 9:08
  I'm
• 9:09
  going
• 9:09
  to
• 9:09
  be
• 9:09
  a
• 9:09
  big
• 9:09
  smile
• 9:10
  when
• 9:10
  I
• 9:10
  say
• 9:10
  this.
• 9:11
  You
• 9:11
  can
• 9:12
  enjoy
• 9:12
  today
• 9:13
  and
• 9:14
  still
• 9:14
  prepare
• 9:14
  for
• 9:15
  tomorrow.
• 9:15
  You
• 9:16
  can
• 9:16
  do
• 9:16
  this.
• 9:17
  So
• 9:18
  here's
• 9:18
  your
• 9:18
  win
• 9:18
  for
• 9:18
  today.
• 9:19
  I
• 9:20
  want
• 9:20
  you
• 9:20
  to
• 9:20
  create
• 9:20
  a
• 9:21
  simple
• 9:21
  plan
• 9:21
  for
• 9:21
  your
• 9:22
  next
• 9:22
  paycheck.
• 9:23
  We
• 9:23
  talked
• 9:24
  about
• 9:24
  giving
• 9:24
  your
• 9:25
  money
• 9:25
  intentionality.
• 9:26
  Now
• 9:26
  I'm
• 9:26
  not
• 9:27
  talking
• 9:27
  about
• 9:27
  something
• 9:27
  perfect,
• 9:28
  just
• 9:28
  intentional.
• 9:29
  Decide
• 9:30
  ahead
• 9:30
  of
• 9:30
  time
• 9:30
  where
• 9:31
  your
• 9:31
  money
• 9:31
  will
• 9:31
  go.
• 9:31
  You
• 9:32
  know
• 9:32
  what
• 9:32
  your
• 9:32
  normal
• 9:32
  pick
• 9:33
  home
• 9:33
  pay
• 9:33
  is,
• 9:34
  just
• 9:34
  draft
• 9:35
  it
• 9:35
  out.
• 9:36
  So
• 9:36
  much
• 9:36
  is
• 9:36
  going
• 9:37
  to
• 9:37
  go
• 9:37
  here,
• 9:37
  so
• 9:38
  much
• 9:38
  is
• 9:38
  going
• 9:38
  to
• 9:38
  go
• 9:38
  there.
• 9:39
  Then
• 9:39
  you've
• 9:40
  taken
• 9:40
  the
• 9:40
  leadership,
• 9:40
  you've
• 9:41
  taken
• 9:41
  the
• 9:41
  reins
• 9:41
  and
• 9:42
  you're
• 9:42
  controlling
• 9:42
  your
• 9:42
  money
• 9:43
  rather
• 9:43
  than
• 9:43
  your
• 9:44
  money
• 9:44
  controlling
• 9:45
  you.
• 9:46
  And
• 9:46
  friend,
• 9:46
  that
• 9:46
  one
• 9:47
  step
• 9:47
  can
• 9:47
  change
• 9:48
  everything.
• 9:50
  It
• 9:50
  really
• 9:50
  can.
• 9:50
  Well,
• 9:51
  let's
• 9:51
  get
• 9:51
  into
• 9:51
  the
• 9:51
  Bible
• 9:52
  verse
• 9:52
  today.
• 9:52
  It's
• 9:53
  one
• 9:53
  we've
• 9:53
  used
• 9:53
  on
• 9:54
  the
• 9:54
  show
• 9:54
  so
• 9:54
  many
• 9:55
  times.
• 9:55
  So
• 9:55
  Proverbs
• 9:56
  chapter
• 9:56
  21,
• 9:57
  verse
• 9:57
  5.
• 9:57
  And
• 9:57
  you
• 9:58
  probably
• 9:58
  say,
• 9:58
  oh,
• 9:58
  I
• 9:58
  know
• 9:58
  where
• 9:59
  he's
• 9:59
  going
• 9:59
  with
• 9:59
  this
• 9:59
  1.
• 9:59
  Again,
• 10:00
  Proverbs
• 10:00
  21:5.
• 10:01
  The
• 10:02
  plans
• 10:02
  of
• 10:02
  the
• 10:02
  diligent
• 10:03
  lead
• 10:03
  to
• 10:04
  profit
• 10:04
  as
• 10:04
  surely
• 10:05
  as
• 10:05
  haste
• 10:06
  leads
• 10:06
  to
• 10:06
  poverty.
• 10:09
  What
• 10:09
  was
• 10:10
  it
• 10:10
  telling
• 10:10
  us
• 10:11
  that
• 10:12
  consistent,
• 10:13
  thoughtful
• 10:14
  planning
• 10:15
  helps
• 10:15
  you
• 10:15
  build
• 10:15
  a
• 10:15
  life
• 10:16
  of
• 10:16
  stability
• 10:16
  and
• 10:17
  purpose
• 10:19
  instead
• 10:19
  of
• 10:20
  reacting
• 10:20
  to
• 10:20
  money
• 10:20
  in
• 10:20
  the
• 10:21
  moment.
• 10:23
  Plans
• 10:23
  of
• 10:23
  due
• 10:23
  diligence.
• 10:25
  Well,
• 10:26
  let's
• 10:26
  pray
• 10:26
  right
• 10:26
  now.
• 10:28
  Heavenly
• 10:28
  Father,
• 10:29
  I
• 10:30
  lift
• 10:30
  up
• 10:30
  my
• 10:30
  friend
• 10:31
  who
• 10:31
  is
• 10:31
  stepping
• 10:31
  into
• 10:31
  a
• 10:32
  new
• 10:32
  season
• 10:32
  of
• 10:32
  independence.
• 10:33
  Lord,
• 10:33
  I
• 10:33
  just
• 10:34
  thank
• 10:34
  you
• 10:34
  so
• 10:34
  much
• 10:35
  for
• 10:35
  that
• 10:36
  provision
• 10:36
  and
• 10:36
  giving
• 10:36
  them
• 10:37
  that
• 10:37
  ability.
• 10:38
  But
• 10:38
  Lord,
• 10:39
  they're
• 10:39
  fearful.
• 10:39
  They
• 10:40
  don't
• 10:40
  want
• 10:40
  to
• 10:40
  make
• 10:40
  mistakes.
• 10:42
  So
• 10:42
  give
• 10:42
  them
• 10:43
  wisdom
• 10:43
  right
• 10:43
  now
• 10:44
  to
• 10:44
  manage
• 10:44
  what
• 10:44
  you've
• 10:45
  entrusted
• 10:45
  to
• 10:45
  them,
• 10:47
  Lord,
• 10:47
  Help
• 10:47
  them
• 10:47
  to
• 10:48
  build
• 10:48
  those
• 10:48
  habits
• 10:48
  that
• 10:49
  will
• 10:49
  lead
• 10:49
  to
• 10:49
  peace
• 10:50
  and
• 10:50
  not
• 10:50
  constantly
• 10:51
  in
• 10:51
  pressure.
• 10:53
  Lord,
• 10:54
  one
• 10:54
  of
• 10:54
  the
• 10:54
  things
• 10:54
  we
• 10:54
  talked
• 10:54
  about
• 10:55
  today
• 10:55
  is
• 10:55
  to
• 10:55
  teach
• 10:56
  them
• 10:56
  to
• 10:56
  save
• 10:56
  with
• 10:57
  discipline.
• 10:58
  Help
• 10:58
  them
• 10:58
  to
• 10:58
  spend
• 10:59
  with
• 10:59
  intention
• 11:00
  and
• 11:01
  truly
• 11:01
  help
• 11:01
  them
• 11:01
  to
• 11:02
  enjoy
• 11:02
  life
• 11:02
  without
• 11:03
  guilt.
• 11:04
  Lord,
• 11:05
  guard
• 11:05
  them
• 11:05
  from
• 11:06
  comparison
• 11:06
  and
• 11:07
  those
• 11:07
  impulsive
• 11:08
  decisions
• 11:08
  that
• 11:08
  so
• 11:09
  many
• 11:09
  of
• 11:09
  us
• 11:09
  battle
• 11:10
  with.
• 11:11
  But
• 11:11
  in
• 11:11
  the
• 11:11
  end
• 11:12
  remind
• 11:12
  them
• 11:12
  of
• 11:12
  this,
• 11:13
  that
• 11:14
  true
• 11:14
  security
• 11:15
  comes
• 11:15
  from
• 11:15
  you,
• 11:17
  not
• 11:17
  money.
• 11:18
  And
• 11:19
  Lord,
• 11:19
  I
• 11:19
  just
• 11:19
  ask
• 11:19
  that
• 11:19
  you
• 11:20
  would
• 11:20
  help
• 11:20
  their
• 11:20
  financial
• 11:21
  journey
• 11:21
  reflect
• 11:22
  your
• 11:22
  wisdom
• 11:23
  and
• 11:23
  your
• 11:23
  grace
• 11:24
  in
• 11:24
  our
• 11:24
  lives,
• 11:24
  in
• 11:24
  all
• 11:25
  of
• 11:25
  our
• 11:25
  lives.
• 11:26
  And
• 11:26
  we
• 11:27
  ask
• 11:27
  this
• 11:27
  in
• 11:27
  Jesus
• 11:28
  name,
• 11:29
  Amen.
• 11:31
  Friend,
• 11:32
  I
• 11:32
  want
• 11:32
  to
• 11:32
  leave
• 11:32
  you
• 11:32
  with
• 11:32
  this.
• 11:34
  You
• 11:34
  don't
• 11:34
  need
• 11:34
  to
• 11:35
  get
• 11:35
  everything
• 11:35
  right.
• 11:37
  You
• 11:37
  just
• 11:37
  need
• 11:37
  to
• 11:38
  start.
• 11:40
  You're
• 11:40
  going
• 11:40
  to
• 11:40
  make
• 11:40
  mistakes,
• 11:42
  you're
• 11:43
  going
• 11:43
  to
• 11:43
  stumble,
• 11:44
  you're
• 11:44
  to
• 11:44
  going,
• 11:44
  you're
• 11:44
  going
• 11:44
  to
• 11:44
  go
• 11:44
  through
• 11:45
  storms
• 11:45
  of
• 11:45
  life.
• 11:46
  You
• 11:47
  don't
• 11:47
  have
• 11:47
  to
• 11:47
  get
• 11:47
  it
• 11:47
  all
• 11:48
  right,
• 11:49
  you
• 11:49
  just
• 11:49
  need
• 11:49
  to
• 11:49
  put
• 11:49
  one
• 11:50
  foot
• 11:50
  in
• 11:50
  front
• 11:50
  of
• 11:50
  the
• 11:51
  other.
• 11:52
  And
• 11:52
  right
• 11:53
  now
• 11:53
  maybe
• 11:53
  you're
• 11:53
  trying
• 11:53
  to
• 11:54
  build
• 11:54
  better
• 11:54
  money
• 11:54
  habits,
• 11:55
  but
• 11:56
  you
• 11:56
  want
• 11:56
  to
• 11:56
  do
• 11:56
  that
• 11:57
  without
• 11:57
  feeling
• 11:57
  restricted.
• 11:58
  Well,
• 11:58
  share
• 11:58
  with
• 11:58
  me
• 11:59
  what's
• 11:59
  going
• 11:59
  on
• 11:59
  in
• 11:59
  your
• 11:59
  life.
• 12:01
  You
• 12:01
  can
• 12:01
  leave
• 12:01
  me
• 12:01
  a
• 12:01
  voicemail
• 12:02
  message
• 12:02
  by
• 12:03
  going
• 12:03
  to
• 12:03
  financiallyconfidentchristian.com/voicemail.
• 12:05
  You
• 12:09
  justtalk
• 12:09
  tome
• 12:09
  likea
• 12:10
  friend.We'llputalink
• 12:11
  inthe
• 12:11
  show
• 12:12
  notes.
• 12:12
  Just
• 12:12
  clickit.Gorecordyourvoice.Iwouldlove
• 12:14
  tohear
• 12:14
  yourvoiceagain.
• 12:15
  That'sfinanciallyconfidentchristian.com/voicemailbecauseyourquestiontrulyI
• 12:23
  believe
• 12:23
  this.Yourquestioncouldguidesomeoneelsetoo.Who'sfeelingthesame
• 12:27
  thingsyou're
• 12:27
  feeling.Theywantto
• 12:28
  know.Well,I'mnottheonlyonefeelingthisway.
• 12:31
  Well,thankyouso
• 12:32
  muchfor
• 12:32
  joiningmetodayasIalwaysencourageyoustayfinanciallysavvy.MayGodblessyouandyouhave
• 12:38
  atruly
• 12:39
  greatdaytoday.