Latest / Becoming Financially Confident / Why Is It So Hard to Start Saving Anything At All?

Transcript

Why Is It So Hard to Start Saving Anything At All? · Becoming Financially Confident

• 0:37
  Truth
• 0:37
  is,
• 0:38
  you
• 0:38
  know,
• 0:38
  you
• 0:38
  should
• 0:38
  be
• 0:38
  saving.
• 0:39
  Even
• 0:39
  tell
• 0:40
  yourself,
• 0:40
  next
• 0:40
  paycheck,
• 0:41
  Ralph,
• 0:41
  I'm
• 0:41
  going
• 0:41
  to
• 0:42
  start.
• 0:43
  But
• 0:43
  then
• 0:43
  like
• 0:43
  most
• 0:43
  of
• 0:44
  it,
• 0:44
  the
• 0:44
  bills
• 0:44
  hit
• 0:45
  groceries,
• 0:46
  gas,
• 0:46
  and
• 0:46
  that
• 0:46
  one
• 0:46
  thing
• 0:47
  that
• 0:47
  popped
• 0:47
  up
• 0:47
  out
• 0:48
  of
• 0:48
  completely
• 0:48
  nowhere
• 0:49
  and
• 0:50
  suddenly
• 0:51
  there's
• 0:51
  nothing
• 0:51
  left.
• 0:52
  Again.
• 0:53
  Friend,
• 0:54
  I
• 0:54
  get
• 0:54
  it.
• 0:55
  Starting
• 0:55
  to
• 0:55
  save
• 0:55
  can
• 0:56
  feel
• 0:56
  impossible,
• 0:57
  like
• 0:57
  something
• 0:57
  other
• 0:58
  people
• 0:58
  do,
• 0:58
  but
• 0:59
  you
• 0:59
  just
• 0:59
  can't
• 0:59
  seem
• 0:59
  to
• 1:00
  pull
• 1:00
  off
• 1:00
  yourself.
• 1:01
  Well,
• 1:01
  stick
• 1:02
  with
• 1:02
  me
• 1:02
  today
• 1:02
  because
• 1:02
  we're
• 1:03
  going
• 1:03
  to
• 1:03
  break
• 1:03
  down
• 1:03
  why
• 1:03
  it
• 1:03
  feels
• 1:04
  so
• 1:04
  hard
• 1:04
  to
• 1:04
  do
• 1:04
  it
• 1:05
  and
• 1:05
  and
• 1:05
  how
• 1:05
  to
• 1:05
  finally
• 1:06
  get
• 1:06
  moving
• 1:06
  no
• 1:06
  matter
• 1:07
  how
• 1:07
  small
• 1:07
  you
• 1:07
  need
• 1:08
  to
• 1:08
  start.
• 1:08
  That's
• 1:09
  what
• 1:09
  I'm
• 1:09
  going
• 1:09
  to
• 1:09
  talk
• 1:09
  about
• 1:09
  on
• 1:10
  today's
• 1:10
  show.
• 1:12
  This
• 1:12
  is
• 1:12
  Financially
• 1:13
  Confident
• 1:13
  Christian,
• 1:14
  your
• 1:14
  daily
• 1:15
  dose
• 1:15
  of
• 1:15
  gospel,
• 1:16
  grounded
• 1:16
  insight
• 1:16
  and
• 1:17
  faith
• 1:17
  driven
• 1:17
  tips
• 1:18
  to
• 1:18
  help
• 1:18
  you
• 1:18
  break
• 1:19
  the
• 1:19
  cycle
• 1:19
  of
• 1:19
  financial
• 1:20
  shame
• 1:20
  with
• 1:20
  confidence.
• 1:23
  Hey
• 1:23
  there,
• 1:23
  friend.
• 1:24
  Welcome
• 1:24
  back
• 1:24
  to
• 1:24
  your
• 1:25
  Daily
• 1:25
  Financially
• 1:26
  Confident
• 1:26
  Christian.
• 1:26
  I'm
• 1:26
  Ralph
• 1:27
  and
• 1:27
  I'm
• 1:27
  here
• 1:27
  to
• 1:27
  help
• 1:28
  you
• 1:28
  build
• 1:28
  financial
• 1:28
  confidence
• 1:29
  and
• 1:29
  help
• 1:30
  you
• 1:30
  to
• 1:30
  do
• 1:30
  it
• 1:30
  rooted
• 1:30
  in
• 1:31
  God's
• 1:31
  wisdom
• 1:31
  and
• 1:32
  peace.
• 1:33
  And
• 1:33
  we
• 1:33
  are
• 1:33
  continuing
• 1:33
  in
• 1:34
  our
• 1:34
  series
• 1:34
  Breaking
• 1:35
  Financial
• 1:35
  Chains.
• 1:36
  We're
• 1:36
  talking
• 1:36
  about
• 1:36
  30
• 1:37
  days
• 1:37
  of
• 1:37
  how
• 1:38
  to
• 1:38
  get
• 1:38
  past
• 1:38
  those
• 1:39
  chains
• 1:39
  that
• 1:39
  are
• 1:40
  holding
• 1:40
  you
• 1:40
  back
• 1:40
  with
• 1:41
  your
• 1:41
  finances.
• 1:42
  Yesterday
• 1:43
  we
• 1:43
  talked
• 1:43
  about
• 1:43
  finding
• 1:44
  extra
• 1:44
  money
• 1:44
  even
• 1:45
  when
• 1:45
  there's
• 1:45
  zero
• 1:45
  room
• 1:46
  in
• 1:46
  your
• 1:46
  budget.
• 1:46
  We
• 1:46
  talked
• 1:46
  about
• 1:47
  those
• 1:47
  jeans
• 1:48
  after
• 1:48
  Thanksgiving
• 1:49
  dinner.
• 1:49
  What
• 1:50
  a
• 1:50
  great
• 1:50
  analogy.
• 1:51
  But
• 1:51
  if
• 1:51
  you
• 1:51
  miss
• 1:51
  it,
• 1:51
  I'm
• 1:51
  going
• 1:51
  to
• 1:52
  encourage
• 1:52
  you
• 1:52
  to
• 1:52
  go
• 1:52
  check
• 1:52
  it
• 1:52
  out.
• 1:53
  You
• 1:53
  can
• 1:53
  do
• 1:53
  that
• 1:53
  right@financiallyconfidentchristian.com
• 1:57
  well,
• 1:57
  today
• 1:57
  we're
• 1:58
  going
• 1:58
  to
• 1:58
  handle
• 1:58
  the
• 1:58
  next
• 1:58
  step.
• 1:59
  We
• 1:59
  talked
• 1:59
  a
• 1:59
  few
• 1:59
  days
• 2:00
  about
• 2:00
  debt.
• 2:00
  We're
• 2:01
  going
• 2:01
  to.
• 2:01
  Well,
• 2:01
  now
• 2:01
  we're
• 2:01
  going
• 2:01
  to
• 2:01
  talk
• 2:01
  about
• 2:02
  why
• 2:02
  it's
• 2:02
  so
• 2:02
  hard
• 2:02
  to
• 2:03
  actually
• 2:03
  start
• 2:03
  saving
• 2:04
  money
• 2:04
  at
• 2:05
  all.
• 2:06
  Remember,
• 2:06
  I
• 2:06
  worked
• 2:07
  with
• 2:07
  a
• 2:07
  man
• 2:07
  once.
• 2:07
  He
• 2:07
  told
• 2:07
  me
• 2:07
  this.
• 2:08
  He
• 2:08
  said,
• 2:08
  Ralph,
• 2:09
  I'll
• 2:09
  start
• 2:09
  saving
• 2:10
  when
• 2:10
  I
• 2:10
  finally
• 2:10
  make
• 2:11
  more
• 2:11
  money.
• 2:12
  Let
• 2:12
  me
• 2:12
  just
• 2:12
  tell
• 2:12
  you,
• 2:12
  I've
• 2:13
  heard
• 2:13
  that
• 2:13
  a
• 2:13
  hundred
• 2:13
  times
• 2:13
  and
• 2:13
  that
• 2:14
  was
• 2:14
  just
• 2:14
  last
• 2:14
  week.
• 2:15
  I'm
• 2:15
  just
• 2:16
  kidding.
• 2:16
  But
• 2:16
  it's
• 2:17
  a
• 2:17
  very
• 2:17
  common
• 2:17
  refrain.
• 2:18
  I
• 2:18
  hear
• 2:18
  this
• 2:18
  day
• 2:19
  in
• 2:19
  and
• 2:19
  day
• 2:19
  out.
• 2:20
  You
• 2:20
  might
• 2:21
  even
• 2:21
  have
• 2:21
  thought
• 2:21
  that
• 2:21
  yourself
• 2:22
  from
• 2:22
  time
• 2:22
  to
• 2:22
  time.
• 2:22
  But
• 2:23
  getting
• 2:23
  back
• 2:23
  to
• 2:23
  this
• 2:23
  story.
• 2:24
  So
• 2:24
  picture
• 2:24
  this.
• 2:24
  Six
• 2:25
  years
• 2:25
  later,
• 2:25
  he's
• 2:26
  making
• 2:26
  twice
• 2:26
  as
• 2:27
  much
• 2:27
  because
• 2:27
  guess
• 2:28
  what?
• 2:28
  He's
• 2:28
  still
• 2:28
  not
• 2:29
  saving
• 2:29
  any
• 2:29
  money.
• 2:30
  Why?
• 2:31
  Because
• 2:31
  here's
• 2:32
  the
• 2:32
  truth
• 2:32
  and
• 2:33
  this
• 2:33
  is
• 2:33
  the
• 2:33
  truth
• 2:33
  that
• 2:33
  you
• 2:34
  need
• 2:34
  to
• 2:34
  hear
• 2:34
  today.
• 2:35
  If
• 2:35
  you
• 2:35
  wait
• 2:36
  until
• 2:36
  it
• 2:36
  feels
• 2:37
  easy,
• 2:37
  hey,
• 2:38
  I'm
• 2:38
  going
• 2:38
  to
• 2:38
  have
• 2:38
  extra
• 2:39
  money.
• 2:39
  It's
• 2:39
  going
• 2:39
  to
• 2:39
  be,
• 2:40
  I'm
• 2:40
  going
• 2:40
  to
• 2:40
  get
• 2:40
  that
• 2:40
  new
• 2:40
  job.
• 2:41
  I'm
• 2:41
  going
• 2:41
  to
• 2:41
  make
• 2:41
  so
• 2:42
  much
• 2:42
  more
• 2:42
  money.
• 2:43
  If
• 2:43
  you
• 2:44
  wait
• 2:44
  that
• 2:44
  long,
• 2:45
  the
• 2:45
  truth
• 2:45
  is
• 2:46
  you're
• 2:46
  Going
• 2:46
  to
• 2:46
  be
• 2:46
  waiting
• 2:46
  forever.
• 2:47
  And
• 2:47
  I
• 2:47
  just
• 2:48
  want
• 2:48
  to
• 2:48
  repeat
• 2:48
  that
• 2:48
  today,
• 2:48
  because
• 2:49
  that
• 2:49
  is
• 2:49
  the
• 2:49
  thing
• 2:49
  I
• 2:49
  want
• 2:50
  you
• 2:50
  to
• 2:50
  hang
• 2:50
  on
• 2:50
  today.
• 2:51
  If
• 2:51
  you
• 2:52
  wait
• 2:52
  until
• 2:52
  it
• 2:53
  feels
• 2:53
  easy
• 2:54
  to
• 2:54
  start
• 2:54
  saving
• 2:54
  money,
• 2:55
  guess
• 2:55
  what?
• 2:56
  You're
• 2:56
  going
• 2:56
  to
• 2:56
  be
• 2:56
  waiting
• 2:56
  forever.
• 2:57
  And
• 2:58
  maybe
• 2:58
  you've
• 2:58
  been
• 2:58
  there,
• 2:58
  too.
• 2:58
  Hey,
• 2:59
  maybe
• 2:59
  you're
• 2:59
  there
• 2:59
  right
• 2:59
  now.
• 3:00
  You
• 3:01
  start
• 3:01
  to
• 3:01
  think,
• 3:01
  Ralph,
• 3:01
  when
• 3:01
  I
• 3:02
  get
• 3:02
  that
• 3:02
  raise,
• 3:02
  I'm
• 3:02
  going
• 3:03
  to
• 3:03
  be
• 3:03
  able
• 3:03
  to
• 3:03
  start
• 3:03
  saving
• 3:04
  money.
• 3:04
  Or,
• 3:04
  Ralph,
• 3:05
  when
• 3:05
  I
• 3:05
  pay
• 3:05
  off
• 3:05
  this
• 3:06
  bill,
• 3:06
  I'm
• 3:06
  going
• 3:06
  to
• 3:06
  be
• 3:07
  able
• 3:07
  to
• 3:07
  start
• 3:07
  saving
• 3:08
  money.
• 3:08
  Or
• 3:09
  maybe
• 3:09
  it's
• 3:09
  this,
• 3:09
  Ralph,
• 3:09
  when
• 3:10
  the
• 3:10
  kids
• 3:10
  get
• 3:10
  older,
• 3:10
  you
• 3:11
  get
• 3:11
  the
• 3:11
  idea.
• 3:12
  But
• 3:12
  somehow
• 3:13
  something
• 3:13
  always
• 3:14
  comes
• 3:14
  along
• 3:15
  to
• 3:15
  eat
• 3:15
  up
• 3:15
  that
• 3:16
  extra.
• 3:16
  It's
• 3:17
  so
• 3:17
  easy
• 3:17
  when
• 3:17
  we're.
• 3:18
  And
• 3:18
  that's
• 3:18
  like
• 3:18
  that
• 3:18
  pizza
• 3:19
  sitting
• 3:19
  on
• 3:19
  the
• 3:19
  table.
• 3:20
  Got
• 3:20
  one
• 3:20
  more
• 3:21
  piece
• 3:21
  there,
• 3:21
  you
• 3:21
  just
• 3:21
  kind
• 3:22
  of
• 3:22
  gobble
• 3:22
  it
• 3:22
  up,
• 3:22
  don't
• 3:23
  you?
• 3:24
  Well,
• 3:24
  if
• 3:24
  you've
• 3:24
  ever
• 3:24
  been
• 3:24
  stuck
• 3:25
  in
• 3:25
  that
• 3:25
  cycle,
• 3:25
  I
• 3:25
  want
• 3:25
  you
• 3:26
  to
• 3:26
  hear
• 3:26
  me
• 3:26
  and
• 3:26
  I
• 3:26
  want
• 3:26
  you
• 3:26
  to
• 3:26
  hear
• 3:27
  me
• 3:27
  loud
• 3:27
  and
• 3:27
  clear.
• 3:28
  Today
• 3:28
  isn't
• 3:28
  about
• 3:29
  shame.
• 3:30
  I'm
• 3:30
  not
• 3:30
  shaming
• 3:30
  you.
• 3:31
  I'm
• 3:31
  not
• 3:31
  here,
• 3:31
  you
• 3:31
  know,
• 3:32
  judging
• 3:32
  you
• 3:32
  for
• 3:32
  not
• 3:33
  being
• 3:33
  able
• 3:33
  to
• 3:34
  save.
• 3:34
  Listen,
• 3:34
  I've
• 3:34
  been
• 3:35
  there.
• 3:35
  I
• 3:35
  did
• 3:35
  that
• 3:36
  for
• 3:36
  a
• 3:36
  very
• 3:36
  long
• 3:37
  time.
• 3:37
  But
• 3:38
  today's
• 3:38
  about
• 3:38
  understanding
• 3:39
  that
• 3:39
  savings
• 3:40
  isn't
• 3:40
  about
• 3:40
  a
• 3:41
  huge
• 3:41
  surplus.
• 3:41
  So
• 3:41
  many
• 3:42
  people
• 3:42
  think
• 3:42
  it's
• 3:43
  got
• 3:43
  to
• 3:43
  be
• 3:43
  this
• 3:43
  huge
• 3:43
  surplus.
• 3:44
  I
• 3:44
  got
• 3:44
  to
• 3:44
  make
• 3:45
  more
• 3:45
  money,
• 3:45
  Ralph.
• 3:45
  I
• 3:46
  got
• 3:46
  to
• 3:46
  figure
• 3:46
  out
• 3:46
  where
• 3:47
  to
• 3:47
  find
• 3:47
  big
• 3:47
  dollars.
• 3:49
  All
• 3:49
  about
• 3:49
  making
• 3:49
  saving
• 3:50
  a
• 3:50
  priority.
• 3:51
  And
• 3:51
  here's
• 3:51
  the
• 3:51
  best
• 3:52
  part.
• 3:52
  Even
• 3:53
  if
• 3:53
  it's
• 3:53
  small,
• 3:53
  I'm
• 3:54
  talking
• 3:54
  about
• 3:54
  super
• 3:55
  small.
• 3:55
  We're
• 3:55
  going
• 3:55
  to
• 3:55
  talk
• 3:55
  about
• 3:55
  that
• 3:55
  in
• 3:56
  a
• 3:56
  few
• 3:56
  minutes,
• 3:56
  but
• 3:56
  let's
• 3:57
  get
• 3:57
  right
• 3:57
  into
• 3:57
  the
• 3:57
  Bible
• 3:58
  today.
• 3:58
  You
• 3:58
  know,
• 3:58
  on
• 3:59
  the
• 3:59
  show,
• 3:59
  I
• 3:59
  always
• 3:59
  want
• 4:00
  to
• 4:00
  give
• 4:00
  you
• 4:00
  some
• 4:00
  biblical
• 4:01
  basis
• 4:01
  for
• 4:02
  what
• 4:02
  we
• 4:02
  talk
• 4:02
  about.
• 4:02
  That's
• 4:02
  the
• 4:02
  whole
• 4:03
  point
• 4:03
  of
• 4:03
  the
• 4:03
  show.
• 4:04
  Well,
• 4:04
  let's
• 4:04
  look
• 4:04
  at
• 4:04
  the
• 4:05
  book
• 4:05
  of
• 4:05
  Ecclesiastes.
• 4:06
  We're
• 4:07
  going
• 4:07
  to
• 4:07
  go
• 4:07
  right
• 4:07
  to
• 4:07
  chapter
• 4:08
  11,
• 4:08
  verse
• 4:08
  6,
• 4:09
  and
• 4:09
  it
• 4:09
  says
• 4:10
  this.
• 4:10
  And
• 4:10
  this
• 4:10
  is
• 4:10
  brilliant.
• 4:11
  Sow
• 4:12
  your
• 4:12
  seed
• 4:12
  in
• 4:12
  the
• 4:13
  morning
• 4:13
  and
• 4:14
  at
• 4:14
  evening
• 4:14
  let
• 4:15
  your
• 4:15
  hands
• 4:15
  not
• 4:15
  be
• 4:16
  idle.
• 4:17
  What
• 4:17
  is
• 4:17
  that
• 4:17
  saying
• 4:17
  to
• 4:18
  us?
• 4:19
  Even
• 4:19
  if
• 4:19
  you
• 4:20
  don't
• 4:20
  know
• 4:20
  exactly
• 4:21
  how
• 4:21
  it's
• 4:21
  going
• 4:21
  to
• 4:21
  grow,
• 4:23
  you
• 4:23
  have
• 4:23
  to
• 4:23
  start
• 4:24
  planning
• 4:24
  and
• 4:25
  think
• 4:25
  about
• 4:25
  that
• 4:25
  as
• 4:25
  a
• 4:26
  vision.
• 4:26
  My
• 4:26
  grandfather
• 4:26
  loved
• 4:27
  a
• 4:27
  garden,
• 4:28
  and
• 4:28
  he
• 4:28
  would
• 4:28
  have
• 4:28
  this
• 4:29
  vision
• 4:29
  in
• 4:29
  his
• 4:29
  mind.
• 4:29
  He
• 4:30
  would
• 4:30
  lay
• 4:30
  out
• 4:30
  the
• 4:30
  rows
• 4:30
  and
• 4:30
  it
• 4:31
  would
• 4:31
  start
• 4:31
  with
• 4:31
  just
• 4:31
  a
• 4:32
  little
• 4:32
  seed
• 4:32
  that
• 4:32
  he
• 4:33
  would
• 4:33
  plant
• 4:33
  in
• 4:33
  the
• 4:33
  ground
• 4:33
  and
• 4:33
  cover
• 4:34
  up.
• 4:34
  And
• 4:34
  I
• 4:34
  did
• 4:34
  that
• 4:35
  for
• 4:35
  many,
• 4:35
  many
• 4:36
  years,
• 4:36
  helping
• 4:36
  him
• 4:36
  with
• 4:37
  his
• 4:37
  garden.
• 4:38
  Well,
• 4:38
  think
• 4:38
  about
• 4:38
  savings
• 4:39
  the
• 4:39
  same
• 4:39
  way.
• 4:40
  Even
• 4:40
  a
• 4:40
  small
• 4:40
  savings,
• 4:41
  even
• 4:42
  a
• 4:42
  small
• 4:42
  amount
• 4:42
  set
• 4:43
  aside
• 4:43
  week
• 4:43
  after
• 4:44
  week
• 4:45
  it
• 4:45
  can
• 4:45
  grow
• 4:45
  into
• 4:45
  something
• 4:46
  far
• 4:46
  greater
• 4:46
  than
• 4:46
  you
• 4:47
  ever
• 4:47
  expected.
• 4:47
  So
• 4:48
  that's
• 4:48
  the
• 4:48
  first
• 4:48
  biblical
• 4:49
  verse
• 4:49
  I
• 4:50
  want
• 4:50
  to
• 4:50
  talk
• 4:50
  about.
• 4:50
  And
• 4:50
  again,
• 4:51
  that
• 4:51
  was
• 4:51
  Ecclesiastes,
• 4:52
  chapter
• 4:53
  11,
• 4:53
  verse
• 4:53
  6.
• 4:53
  Well,
• 4:54
  let's
• 4:54
  look
• 4:54
  at
• 4:54
  another
• 4:54
  one.
• 4:55
  This
• 4:55
  is
• 4:55
  from
• 4:56
  First
• 4:56
  Corinthians,
• 4:57
  chapter
• 4:57
  4,
• 4:57
  verse
• 4:58
  2.
• 4:58
  It
• 4:58
  says
• 4:59
  this.
• 4:59
  Now,
• 5:00
  it
• 5:00
  is
• 5:00
  required
• 5:00
  that
• 5:01
  those
• 5:01
  who
• 5:01
  have
• 5:01
  been
• 5:01
  given
• 5:02
  a
• 5:02
  trust
• 5:03
  must
• 5:03
  prove
• 5:03
  faithful.
• 5:05
  Think
• 5:05
  about
• 5:05
  that
• 5:05
  for
• 5:05
  a
• 5:06
  second.
• 5:06
  If
• 5:07
  you've
• 5:07
  been
• 5:07
  given
• 5:07
  a
• 5:07
  trust,
• 5:08
  what
• 5:08
  has
• 5:08
  God
• 5:08
  done
• 5:08
  for
• 5:09
  you?
• 5:09
  Every
• 5:09
  dollar
• 5:10
  God
• 5:10
  gives
• 5:10
  you
• 5:11
  is
• 5:11
  a
• 5:11
  trust.
• 5:13
  And
• 5:13
  when
• 5:13
  you
• 5:13
  choose
• 5:13
  to
• 5:14
  save
• 5:14
  it,
• 5:14
  even
• 5:14
  just
• 5:14
  a
• 5:14
  little
• 5:15
  bit.
• 5:15
  I'm
• 5:15
  talking
• 5:15
  about
• 5:16
  a
• 5:16
  little
• 5:16
  bit.
• 5:17
  What
• 5:17
  are
• 5:17
  you
• 5:17
  showing
• 5:17
  him?
• 5:18
  You're
• 5:18
  showing
• 5:18
  him
• 5:18
  that
• 5:19
  you
• 5:19
  can
• 5:19
  be
• 5:19
  faithful
• 5:20
  in
• 5:20
  small
• 5:20
  things.
• 5:22
  And
• 5:22
  that's
• 5:22
  when
• 5:22
  he
• 5:22
  can
• 5:22
  trust
• 5:23
  you
• 5:23
  with
• 5:23
  big
• 5:23
  things.
• 5:24
  See,
• 5:25
  the
• 5:25
  truth
• 5:25
  is,
• 5:25
  God
• 5:26
  honors
• 5:26
  the
• 5:26
  habit,
• 5:27
  not
• 5:27
  just
• 5:28
  the
• 5:28
  amount.
• 5:28
  Think
• 5:29
  about
• 5:29
  the
• 5:29
  lady
• 5:29
  in
• 5:29
  The
• 5:29
  Bible
• 5:30
  with
• 5:30
  two
• 5:30
  coins.
• 5:31
  It
• 5:31
  wasn't
• 5:32
  the
• 5:32
  amount.
• 5:32
  It
• 5:33
  was
• 5:33
  what
• 5:33
  those
• 5:33
  two
• 5:33
  coins
• 5:34
  meant.
• 5:35
  Your
• 5:35
  faithfulness
• 5:36
  with
• 5:36
  $5
• 5:37
  matters
• 5:37
  to
• 5:38
  God.
• 5:38
  So
• 5:38
  here's
• 5:38
  today's
• 5:39
  mindset
• 5:40
  shift
• 5:40
  that
• 5:40
  you
• 5:40
  really
• 5:40
  need
• 5:41
  to
• 5:41
  make
• 5:41
  if
• 5:41
  you
• 5:41
  want
• 5:42
  to
• 5:42
  break
• 5:42
  out
• 5:42
  of
• 5:42
  this
• 5:43
  cycle
• 5:43
  of
• 5:43
  not
• 5:43
  being
• 5:44
  able
• 5:44
  to
• 5:44
  sa.
• 5:44
  You
• 5:45
  got
• 5:45
  to
• 5:45
  start
• 5:45
  thinking
• 5:45
  about
• 5:46
  savings
• 5:46
  as
• 5:47
  not
• 5:47
  what's
• 5:48
  left
• 5:48
  over.
• 5:48
  So
• 5:48
  many
• 5:49
  people
• 5:49
  think,
• 5:49
  oh,
• 5:50
  Ralph,
• 5:50
  I'm
• 5:50
  going
• 5:50
  to
• 5:50
  do
• 5:50
  it
• 5:50
  when
• 5:51
  I.
• 5:51
  When
• 5:51
  I
• 5:51
  can
• 5:51
  figure
• 5:51
  out
• 5:51
  what's
• 5:52
  left
• 5:52
  over.
• 5:52
  Stop
• 5:52
  thinking
• 5:53
  like
• 5:53
  that.
• 5:54
  Change
• 5:54
  your
• 5:55
  mindset.
• 5:55
  Start
• 5:55
  thinking
• 5:56
  of
• 5:56
  it
• 5:56
  as
• 5:56
  what
• 5:56
  I
• 5:57
  set
• 5:57
  aside
• 5:58
  first.
• 5:59
  You've
• 5:59
  heard
• 5:59
  me
• 5:59
  say
• 5:59
  on
• 5:59
  the
• 6:00
  show
• 6:00
  many
• 6:00
  times,
• 6:01
  save
• 6:01
  first.
• 6:02
  Pay
• 6:03
  God
• 6:03
  your
• 6:04
  your
• 6:04
  tithes
• 6:04
  and
• 6:04
  offerings
• 6:05
  first,
• 6:06
  even
• 6:06
  if
• 6:06
  it's
• 6:07
  just
• 6:07
  a
• 6:07
  few
• 6:07
  dollars.
• 6:08
  But
• 6:08
  when
• 6:08
  you
• 6:09
  do
• 6:09
  it
• 6:09
  over
• 6:09
  time,
• 6:10
  it
• 6:10
  builds
• 6:10
  momentum.
• 6:11
  And
• 6:11
  bigger
• 6:11
  than
• 6:12
  that,
• 6:12
  it
• 6:12
  builds
• 6:12
  confidence.
• 6:13
  So
• 6:13
  here's
• 6:13
  your
• 6:13
  one
• 6:14
  action
• 6:14
  step
• 6:14
  for
• 6:14
  today.
• 6:15
  I
• 6:15
  want
• 6:15
  you
• 6:15
  to
• 6:15
  just
• 6:15
  do
• 6:16
  this
• 6:16
  today.
• 6:16
  And
• 6:16
  trust
• 6:17
  me,
• 6:17
  if
• 6:17
  you've
• 6:18
  never
• 6:18
  been
• 6:18
  able
• 6:18
  to
• 6:18
  save,
• 6:19
  this
• 6:19
  will
• 6:20
  work
• 6:20
  for
• 6:20
  you.
• 6:20
  I
• 6:20
  want
• 6:20
  you
• 6:20
  to
• 6:20
  pick
• 6:20
  a
• 6:21
  tiny
• 6:21
  amount.
• 6:21
  I'm
• 6:21
  talking
• 6:22
  about
• 6:22
  five
• 6:22
  bucks,
• 6:23
  ten
• 6:23
  bucks.
• 6:23
  Hey,
• 6:23
  maybe
• 6:23
  you
• 6:23
  can
• 6:24
  even
• 6:24
  make
• 6:24
  it
• 6:24
  $20.
• 6:25
  Make
• 6:25
  it
• 6:25
  small
• 6:25
  so
• 6:26
  you
• 6:26
  can't
• 6:26
  say
• 6:26
  no.
• 6:27
  Something
• 6:27
  so
• 6:27
  obvious.
• 6:28
  Ralph,
• 6:28
  I'm
• 6:28
  going
• 6:29
  to
• 6:29
  set
• 6:29
  aside
• 6:29
  $5
• 6:30
  a
• 6:30
  week
• 6:31
  and
• 6:31
  save
• 6:31
  that
• 6:32
  money.
• 6:32
  Hey,
• 6:32
  how
• 6:32
  many
• 6:32
  people
• 6:33
  can
• 6:33
  say,
• 6:33
  I
• 6:33
  can't
• 6:33
  find
• 6:34
  five
• 6:34
  dollars?
• 6:34
  I
• 6:34
  bet
• 6:34
  you
• 6:35
  can
• 6:35
  find
• 6:35
  five
• 6:35
  bucks,
• 6:36
  maybe
• 6:36
  find
• 6:36
  ten
• 6:37
  bucks.
• 6:37
  But
• 6:37
  start
• 6:38
  small.
• 6:38
  I
• 6:39
  don't
• 6:39
  want
• 6:39
  you
• 6:39
  to
• 6:39
  be
• 6:39
  able
• 6:39
  to
• 6:39
  say,
• 6:39
  no,
• 6:39
  I
• 6:40
  can't
• 6:40
  do
• 6:40
  this.
• 6:41
  Start
• 6:41
  small.
• 6:42
  And
• 6:42
  then
• 6:42
  I
• 6:42
  want
• 6:42
  you
• 6:42
  to
• 6:42
  open
• 6:42
  up
• 6:43
  a
• 6:43
  dedicated
• 6:43
  savings
• 6:44
  account.
• 6:44
  Maybe
• 6:45
  you
• 6:45
  call
• 6:45
  it
• 6:45
  your
• 6:45
  emergency
• 6:46
  fund
• 6:46
  starter
• 6:47
  or
• 6:47
  your
• 6:47
  future
• 6:48
  goals
• 6:48
  fund.
• 6:48
  Just
• 6:48
  you
• 6:49
  want
• 6:49
  to
• 6:49
  make
• 6:49
  sure
• 6:49
  it's
• 6:50
  separate.
• 6:50
  You
• 6:50
  want
• 6:50
  to
• 6:50
  make
• 6:50
  sure
• 6:51
  it's
• 6:51
  set
• 6:51
  aside
• 6:52
  with
• 6:52
  the
• 6:52
  intention
• 6:53
  of
• 6:53
  saving.
• 6:53
  See,
• 6:53
  a
• 6:53
  lot
• 6:54
  of
• 6:54
  people
• 6:54
  say,
• 6:54
  well,
• 6:54
  I'm
• 6:55
  just
• 6:55
  going
• 6:55
  to
• 6:55
  kind
• 6:55
  of
• 6:55
  carve
• 6:56
  that
• 6:56
  out
• 6:56
  of
• 6:56
  my
• 6:56
  checking
• 6:57
  account.
• 6:57
  I'm
• 6:57
  not
• 6:57
  going
• 6:58
  to
• 6:58
  spend
• 6:58
  that
• 6:58
  route.
• 6:58
  But
• 6:59
  no,
• 6:59
  I
• 6:59
  want
• 6:59
  you
• 6:59
  to
• 6:59
  move
• 7:00
  that
• 7:00
  money.
• 7:01
  If
• 7:01
  you
• 7:01
  can
• 7:01
  move
• 7:01
  it
• 7:01
  immediately
• 7:02
  once
• 7:02
  you
• 7:02
  get
• 7:02
  your
• 7:03
  paycheck,
• 7:03
  that's
• 7:03
  even
• 7:04
  better.
• 7:04
  Before
• 7:05
  you
• 7:05
  even
• 7:05
  spend
• 7:06
  a
• 7:06
  dime,
• 7:06
  move
• 7:07
  it.
• 7:07
  And
• 7:07
  then
• 7:07
  keep
• 7:07
  your
• 7:08
  hands
• 7:08
  off
• 7:08
  of
• 7:08
  it.
• 7:08
  Don't
• 7:09
  touch
• 7:09
  it
• 7:09
  unless
• 7:10
  it's
• 7:10
  a
• 7:10
  true
• 7:10
  emergency.
• 7:11
  That's
• 7:11
  what
• 7:11
  we're
• 7:11
  building
• 7:12
  here.
• 7:12
  We're
• 7:12
  building
• 7:13
  a
• 7:13
  true
• 7:13
  emergency
• 7:14
  savings
• 7:15
  fund.
• 7:16
  Because
• 7:16
  what
• 7:16
  are
• 7:16
  we
• 7:17
  doing
• 7:17
  here?
• 7:17
  We're
• 7:17
  making
• 7:17
  a
• 7:18
  habit
• 7:18
  of
• 7:18
  it.
• 7:18
  Even
• 7:18
  if
• 7:18
  it's
• 7:19
  a
• 7:19
  small
• 7:19
  amount,
• 7:20
  it's
• 7:20
  a
• 7:20
  habit.
• 7:21
  It's
• 7:21
  not
• 7:21
  just
• 7:21
  a
• 7:21
  hope.
• 7:22
  And
• 7:22
  habits
• 7:23
  grow
• 7:23
  in
• 7:24
  size,
• 7:25
  in
• 7:25
  strength,
• 7:25
  and
• 7:26
  in
• 7:26
  impact.
• 7:27
  When
• 7:27
  you
• 7:27
  continue
• 7:27
  to
• 7:28
  do
• 7:28
  them
• 7:28
  week
• 7:29
  after
• 7:29
  week
• 7:29
  or
• 7:29
  day
• 7:30
  after
• 7:30
  day,
• 7:30
  whatever
• 7:30
  that
• 7:30
  looks
• 7:31
  like
• 7:31
  for
• 7:31
  you,
• 7:32
  grow
• 7:32
  that
• 7:32
  habit.
• 7:32
  Well,
• 7:33
  how
• 7:33
  about
• 7:33
  we
• 7:33
  pray
• 7:33
  together?
• 7:34
  Father
• 7:34
  God,
• 7:35
  thank
• 7:35
  you
• 7:35
  for
• 7:36
  providing
• 7:36
  everything
• 7:36
  that
• 7:36
  you
• 7:37
  give
• 7:37
  us,
• 7:37
  Lord,
• 7:37
  and
• 7:37
  help
• 7:38
  us
• 7:38
  to
• 7:38
  be
• 7:38
  faithful
• 7:38
  with
• 7:39
  even
• 7:39
  the
• 7:39
  smallest
• 7:40
  amounts.
• 7:41
  We
• 7:41
  ask
• 7:41
  that
• 7:41
  you
• 7:41
  would
• 7:41
  give
• 7:42
  us
• 7:42
  discipline
• 7:42
  to
• 7:42
  start
• 7:43
  saving
• 7:43
  now,
• 7:43
  Lord,
• 7:44
  and
• 7:44
  give
• 7:45
  us
• 7:45
  trust
• 7:45
  in
• 7:46
  you
• 7:46
  to
• 7:46
  multiply
• 7:47
  those
• 7:47
  efforts
• 7:47
  so
• 7:48
  that
• 7:48
  we
• 7:48
  can
• 7:48
  see
• 7:48
  results
• 7:49
  and
• 7:49
  we
• 7:49
  can
• 7:49
  build
• 7:50
  that
• 7:50
  momentum,
• 7:50
  Lord.
• 7:51
  Even
• 7:51
  if
• 7:51
  we're
• 7:51
  starting
• 7:52
  with
• 7:52
  just
• 7:52
  the
• 7:52
  smallest
• 7:53
  things,
• 7:53
  we
• 7:53
  need
• 7:53
  to
• 7:54
  trust
• 7:54
  in
• 7:54
  you,
• 7:54
  Lord,
• 7:55
  and
• 7:55
  we
• 7:55
  need
• 7:56
  to
• 7:56
  see
• 7:56
  that
• 7:56
  you're
• 7:57
  working
• 7:57
  in
• 7:57
  our
• 7:57
  lives.
• 7:57
  And
• 7:58
  I
• 7:58
  just
• 7:58
  ask
• 7:58
  this
• 7:58
  in
• 7:58
  confidence
• 7:59
  and
• 8:00
  in
• 8:00
  Jesus
• 8:00
  name,
• 8:01
  Amen.
• 8:03
  Friends,
• 8:03
  starting
• 8:03
  to
• 8:03
  save
• 8:04
  isn't
• 8:04
  about
• 8:04
  some
• 8:05
  magic
• 8:05
  number.
• 8:05
  It's
• 8:06
  not
• 8:06
  some
• 8:06
  big
• 8:06
  pie
• 8:07
  in
• 8:07
  the
• 8:07
  sky.
• 8:07
  I
• 8:08
  got
• 8:08
  to
• 8:08
  have
• 8:08
  this
• 8:08
  much
• 8:08
  to
• 8:09
  get
• 8:09
  started.
• 8:09
  Like
• 8:09
  that
• 8:09
  story
• 8:10
  I
• 8:10
  told
• 8:10
  you
• 8:10
  about.
• 8:11
  The
• 8:11
  guy's
• 8:11
  making
• 8:12
  twice
• 8:12
  as
• 8:12
  much
• 8:12
  as
• 8:12
  he
• 8:12
  made
• 8:13
  before,
• 8:13
  but
• 8:13
  still
• 8:13
  not
• 8:14
  saving.
• 8:14
  It's
• 8:15
  not
• 8:15
  about
• 8:15
  that
• 8:15
  magic
• 8:16
  number.
• 8:16
  It's
• 8:17
  about
• 8:17
  making
• 8:17
  the
• 8:17
  first
• 8:18
  move.
• 8:18
  So
• 8:19
  I
• 8:19
  want
• 8:19
  to
• 8:19
  encourage
• 8:19
  you
• 8:19
  right
• 8:19
  now,
• 8:20
  make
• 8:20
  that
• 8:20
  move
• 8:20
  today.
• 8:20
  Even
• 8:21
  if
• 8:21
  it's
• 8:21
  just
• 8:21
  five
• 8:22
  bucks.
• 8:22
  Do
• 8:23
  it
• 8:23
  and
• 8:23
  let
• 8:24
  it
• 8:24
  be
• 8:24
  the
• 8:24
  start
• 8:24
  of
• 8:24
  something
• 8:25
  bigger.
• 8:26
  As
• 8:26
  we're
• 8:26
  talking
• 8:26
  about
• 8:26
  things
• 8:27
  bigger,
• 8:27
  I
• 8:27
  want
• 8:27
  to
• 8:27
  give
• 8:27
  you
• 8:28
  something
• 8:28
  absolutely
• 8:28
  free
• 8:29
  today.
• 8:29
  I
• 8:29
  just
• 8:29
  finished
• 8:29
  pending
• 8:30
  my
• 8:30
  last
• 8:30
  book.
• 8:31
  It's
• 8:31
  called
• 8:31
  how
• 8:31
  to
• 8:31
  become
• 8:32
  a
• 8:32
  Financially
• 8:33
  Confident
• 8:33
  Christian.
• 8:33
  I'm
• 8:33
  going
• 8:33
  to
• 8:34
  give
• 8:34
  you
• 8:34
  that
• 8:34
  book
• 8:34
  for
• 8:35
  free.
• 8:35
  You
• 8:36
  can
• 8:36
  get
• 8:36
  to
• 8:36
  it
• 8:36
  by
• 8:36
  going
• 8:36
  to
• 8:37
  financiallyconfidentchristian.com
• 8:40
  becoming.
• 8:40
  It's
• 8:40
  absolutely
• 8:41
  free
• 8:41
  to
• 8:41
  you
• 8:41
  just
• 8:41
  go
• 8:42
  to
• 8:42
  that
• 8:42
  website
• 8:42
  that's
• 8:43
  financially
• 8:44
  confidentchristian.com
• 8:46
  becoming
• 8:47
  and
• 8:47
  get
• 8:47
  your
• 8:47
  copy
• 8:48
  download
• 8:48
  for
• 8:48
  free.
• 8:49
  Now.
• 8:49
  Tomorrow
• 8:50
  we're
• 8:50
  going
• 8:50
  to
• 8:50
  talk
• 8:50
  about
• 8:51
  how
• 8:51
  to
• 8:51
  protect
• 8:51
  your
• 8:52
  budget
• 8:52
  from
• 8:52
  being
• 8:52
  wrecked
• 8:53
  by
• 8:53
  unexpected
• 8:54
  expenses.
• 8:54
  See,
• 8:55
  there's
• 8:55
  a
• 8:55
  method
• 8:55
  to
• 8:55
  my
• 8:56
  madness.
• 8:56
  We
• 8:56
  talked
• 8:57
  about
• 8:57
  debt.
• 8:57
  Then
• 8:58
  we
• 8:58
  talked
• 8:58
  about
• 8:58
  savings.
• 8:59
  Tomorrow
• 8:59
  we're
• 9:00
  going
• 9:00
  to
• 9:00
  talk
• 9:00
  about
• 9:00
  how
• 9:00
  to
• 9:01
  protect
• 9:01
  our
• 9:01
  budget
• 9:01
  that
• 9:02
  we've
• 9:02
  worked
• 9:02
  so
• 9:02
  hard
• 9:02
  at
• 9:03
  from
• 9:03
  being
• 9:03
  wrecked
• 9:04
  by
• 9:04
  those
• 9:04
  unexpected
• 9:05
  expenses.
• 9:06
  So
• 9:06
  here's
• 9:07
  what
• 9:07
  I
• 9:07
  encourage
• 9:07
  you
• 9:07
  for
• 9:08
  today.
• 9:08
  Let's
• 9:09
  go
• 9:09
  out
• 9:09
  there
• 9:09
  and
• 9:09
  be
• 9:10
  financially
• 9:11
  confident
• 9:11
  Christians.
• 9:12
  I
• 9:13
  believe
• 9:13
  in
• 9:13
  you.
• 9:13
  I
• 9:13
  have
• 9:13
  confidence
• 9:14
  in
• 9:14
  you.
• 9:15
  Have
• 9:15
  confidence
• 9:15
  in
• 9:15
  yourself.
• 9:16
  God
• 9:16
  bless
• 9:16
  you.
• 9:17
  And
• 9:17
  you
• 9:17
  have
• 9:17
  a
• 9:17
  great
• 9:17
  day
• 9:18
  today.