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What Debt Payoff Plan Will Actually Keep Me Encouraged and Hopeful? · Becoming Financially Confident

• 1:20
  Debt
• 1:20
  can
• 1:21
  feel
• 1:21
  like
• 1:21
  a
• 1:21
  weight
• 1:21
  that
• 1:21
  you
• 1:22
  carry
• 1:22
  everywhere.
• 1:23
  You
• 1:24
  pay,
• 1:25
  you
• 1:25
  sacrifice,
• 1:27
  you
• 1:27
  try
• 1:27
  your
• 1:28
  hardest,
• 1:29
  and
• 1:29
  the
• 1:29
  balance
• 1:30
  just
• 1:30
  barely
• 1:31
  moves.
• 1:32
  So
• 1:32
  you
• 1:33
  start
• 1:33
  to
• 1:33
  wonder
• 1:33
  to
• 1:33
  yourself,
• 1:34
  is
• 1:35
  this
• 1:35
  even
• 1:35
  working,
• 1:37
  friend?
• 1:38
  If
• 1:38
  debt
• 1:38
  is
• 1:38
  draining
• 1:39
  your
• 1:39
  hope,
• 1:40
  you
• 1:41
  don't
• 1:41
  just
• 1:41
  need
• 1:41
  a
• 1:41
  payoff
• 1:42
  plan.
• 1:43
  You
• 1:43
  need
• 1:43
  a
• 1:43
  plan
• 1:43
  that
• 1:44
  feeds
• 1:44
  encouragement
• 1:45
  while
• 1:45
  it
• 1:46
  still
• 1:46
  builds
• 1:46
  progress.
• 1:48
  And
• 1:48
  today,
• 1:48
  I'm
• 1:48
  going
• 1:49
  to
• 1:49
  give
• 1:49
  you
• 1:49
  a
• 1:49
  plan
• 1:49
  that
• 1:49
  helps
• 1:50
  you
• 1:50
  see
• 1:50
  movement
• 1:51
  so
• 1:51
  you
• 1:51
  can
• 1:52
  keep
• 1:52
  going.
• 2:15
  Hello,
• 2:15
  friend.
• 2:16
  Ralph
• 2:16
  Estep
• 2:17
  Jr.
• 2:17
  Here.
• 2:18
  Welcome
• 2:18
  to
• 2:18
  Financially
• 2:19
  Confident
• 2:19
  Christian,
• 2:20
  where
• 2:20
  we're
• 2:21
  working
• 2:21
  to
• 2:21
  break
• 2:21
  that
• 2:22
  cycle
• 2:22
  of
• 2:22
  financial
• 2:23
  shame
• 2:23
  and
• 2:24
  do
• 2:24
  it
• 2:24
  with
• 2:24
  confidence.
• 2:26
  And
• 2:26
  today's
• 2:26
  topic
• 2:27
  is
• 2:27
  all
• 2:27
  about
• 2:27
  breaking
• 2:28
  that
• 2:28
  cycle.
• 2:29
  And
• 2:29
  it's
• 2:29
  about
• 2:30
  choosing
• 2:30
  a
• 2:30
  debt
• 2:30
  payoff
• 2:31
  plan
• 2:31
  that
• 2:31
  keeps
• 2:32
  you
• 2:32
  encouraged
• 2:33
  and
• 2:33
  hopeful.
• 2:34
  It's
• 2:34
  one
• 2:35
  thing
• 2:35
  to
• 2:35
  have
• 2:35
  a
• 2:35
  decision
• 2:36
  to
• 2:36
  pay
• 2:36
  it
• 2:36
  off,
• 2:36
  but
• 2:37
  you've
• 2:37
  got
• 2:37
  to
• 2:37
  stay
• 2:37
  encouraged
• 2:38
  and
• 2:39
  you've
• 2:39
  got
• 2:39
  to
• 2:39
  stay
• 2:39
  hopeful.
• 2:40
  Which
• 2:40
  leads
• 2:41
  me
• 2:41
  to
• 2:41
  today's
• 2:41
  listener
• 2:42
  question.
• 2:43
  And
• 2:43
  I
• 2:43
  just
• 2:43
  was
• 2:43
  so
• 2:44
  happy
• 2:44
  when
• 2:44
  I
• 2:44
  got
• 2:44
  this
• 2:44
  one,
• 2:45
  Ralph.
• 2:46
  This
• 2:46
  debt
• 2:47
  is
• 2:47
  a
• 2:47
  constant
• 2:48
  weight
• 2:48
  on
• 2:48
  me.
• 2:49
  I
• 2:49
  pay
• 2:50
  and
• 2:50
  pay,
• 2:51
  but
• 2:51
  I
• 2:51
  can
• 2:51
  hardly
• 2:51
  see
• 2:52
  any
• 2:52
  progress,
• 2:53
  and
• 2:53
  it's
• 2:54
  wearing
• 2:54
  me
• 2:54
  down
• 2:54
  emotionally.
• 2:56
  I
• 2:56
  am
• 2:56
  anxious
• 2:57
  all
• 2:57
  the
• 2:57
  time,
• 2:57
  and
• 2:58
  I
• 2:58
  don't
• 2:58
  know
• 2:58
  how
• 2:58
  much
• 2:59
  longer
• 2:59
  I
• 2:59
  can
• 3:00
  keep
• 3:00
  this
• 3:00
  up
• 3:01
  without
• 3:01
  seeing
• 3:01
  some
• 3:02
  real
• 3:02
  movement.
• 3:03
  How
• 3:03
  do
• 3:04
  I
• 3:04
  choose
• 3:04
  a
• 3:04
  payoff
• 3:05
  plan
• 3:05
  that
• 3:05
  will
• 3:05
  help
• 3:05
  me
• 3:06
  stay
• 3:06
  encouraged
• 3:07
  and
• 3:07
  still
• 3:08
  give
• 3:08
  me
• 3:08
  hope?
• 3:09
  I
• 3:09
  need
• 3:10
  something
• 3:10
  that
• 3:10
  makes
• 3:10
  me
• 3:10
  feel
• 3:11
  like
• 3:11
  I'm
• 3:11
  actually
• 3:12
  getting
• 3:13
  somewhere.
• 3:14
  Let
• 3:15
  me
• 3:15
  just
• 3:15
  tell
• 3:15
  you
• 3:15
  right
• 3:16
  now,
• 3:16
  you're
• 3:17
  getting
• 3:17
  somewhere.
• 3:18
  I
• 3:18
  can
• 3:18
  tell
• 3:18
  you
• 3:19
  that
• 3:19
  because
• 3:19
  you've
• 3:20
  reached
• 3:20
  out
• 3:20
  and
• 3:20
  you've
• 3:21
  asked
• 3:21
  the
• 3:21
  right
• 3:21
  question.
• 3:23
  And
• 3:23
  see,
• 3:23
  the
• 3:23
  best
• 3:24
  plan
• 3:24
  is
• 3:25
  the
• 3:25
  one
• 3:25
  you
• 3:25
  can
• 3:25
  emotionally
• 3:26
  sustain.
• 3:27
  Sure,
• 3:28
  math
• 3:28
  matters.
• 3:29
  Math,
• 3:30
  it's
• 3:30
  what
• 3:30
  we're
• 3:30
  talking
• 3:31
  about
• 3:31
  here.
• 3:32
  But
• 3:32
  that
• 3:32
  momentum,
• 3:33
  it
• 3:33
  matters
• 3:34
  also.
• 3:35
  And
• 3:35
  you
• 3:36
  can
• 3:36
  have
• 3:36
  a
• 3:36
  plan
• 3:36
  that's
• 3:37
  perfect
• 3:37
  on
• 3:37
  paper,
• 3:38
  but
• 3:38
  if
• 3:39
  it
• 3:39
  crushes
• 3:39
  your
• 3:39
  spirit,
• 3:40
  guess
• 3:40
  what?
• 3:41
  You're
• 3:41
  not
• 3:41
  going
• 3:42
  to
• 3:42
  stick
• 3:42
  with
• 3:42
  it.
• 3:43
  So
• 3:43
  today's
• 3:44
  about
• 3:44
  building
• 3:44
  hope
• 3:45
  into
• 3:45
  the
• 3:45
  system.
• 3:46
  Well,
• 3:47
  let's
• 3:47
  get
• 3:47
  right
• 3:47
  to
• 3:47
  it.
• 3:47
  How
• 3:48
  do
• 3:48
  you
• 3:48
  do
• 3:48
  that?
• 3:49
  For
• 3:50
  most
• 3:50
  of
• 3:50
  us,
• 3:51
  we
• 3:51
  need
• 3:51
  to
• 3:51
  choose
• 3:52
  the
• 3:52
  plan
• 3:52
  that
• 3:52
  creates
• 3:53
  visible
• 3:53
  wins
• 3:54
  for
• 3:54
  us.
• 3:55
  Most
• 3:55
  people,
• 3:56
  I
• 3:56
  have
• 3:56
  found,
• 3:57
  stay
• 3:57
  encouraged
• 3:58
  with
• 3:58
  what
• 3:58
  we
• 3:58
  call
• 3:58
  the
• 3:59
  debt
• 3:59
  snowball
• 3:59
  method.
• 4:00
  And
• 4:01
  that
• 4:01
  means
• 4:01
  this.
• 4:02
  You
• 4:02
  pay
• 4:02
  minimum
• 4:03
  payments
• 4:03
  on
• 4:03
  everything,
• 4:04
  and
• 4:05
  then
• 4:05
  you
• 4:05
  attack
• 4:05
  that
• 4:06
  smallest
• 4:06
  balance
• 4:07
  first
• 4:07
  with
• 4:07
  every
• 4:08
  extra
• 4:08
  dollar
• 4:08
  that
• 4:09
  you
• 4:09
  can
• 4:09
  find.
• 4:10
  That's
• 4:10
  what
• 4:10
  we
• 4:10
  mean
• 4:10
  when
• 4:10
  we
• 4:11
  say
• 4:11
  that,
• 4:11
  the
• 4:11
  snowball
• 4:12
  method.
• 4:13
  And
• 4:13
  you
• 4:13
  might
• 4:13
  be
• 4:13
  saying,
• 4:13
  ralph,
• 4:14
  why
• 4:14
  does
• 4:14
  this
• 4:14
  work?
• 4:15
  Because
• 4:15
  those
• 4:16
  early
• 4:16
  wins
• 4:17
  build
• 4:17
  belief,
• 4:18
  and
• 4:19
  that
• 4:19
  belief
• 4:19
  builds
• 4:20
  consistency.
• 4:21
  I
• 4:21
  remember
• 4:21
  when
• 4:21
  I
• 4:21
  first
• 4:22
  started
• 4:22
  my
• 4:22
  weight
• 4:22
  loss
• 4:23
  journey,
• 4:23
  I
• 4:24
  didn't
• 4:24
  set
• 4:24
  a
• 4:24
  goal
• 4:25
  for
• 4:25
  losing
• 4:25
  200
• 4:26
  pounds,
• 4:26
  and
• 4:26
  I'm
• 4:26
  about
• 4:26
  eight
• 4:27
  pounds
• 4:27
  away
• 4:27
  from
• 4:27
  that,
• 4:28
  by
• 4:28
  the
• 4:28
  way.
• 4:28
  Had
• 4:28
  a
• 4:28
  good
• 4:28
  weekend,
• 4:29
  but
• 4:30
  I
• 4:30
  didn't
• 4:30
  set
• 4:30
  that
• 4:30
  as
• 4:30
  my
• 4:31
  goal.
• 4:31
  My
• 4:32
  goal
• 4:32
  was
• 4:32
  to
• 4:32
  lose
• 4:33
  five
• 4:33
  pounds.
• 4:34
  And
• 4:35
  once
• 4:35
  I
• 4:35
  lost
• 4:35
  that
• 4:36
  first
• 4:36
  five
• 4:36
  pounds,
• 4:37
  momentum
• 4:38
  started.
• 4:39
  Well,
• 4:39
  think
• 4:40
  about
• 4:40
  the
• 4:40
  debt
• 4:40
  snowball
• 4:41
  working
• 4:41
  the
• 4:41
  exact
• 4:42
  same
• 4:42
  way.
• 4:43
  When
• 4:43
  you
• 4:43
  pay
• 4:43
  off
• 4:44
  that
• 4:44
  first
• 4:44
  debt,
• 4:44
  you're
• 4:45
  like,
• 4:45
  oh,
• 4:45
  wow,
• 4:45
  I've
• 4:45
  gotten
• 4:46
  somewhere.
• 4:46
  I'm
• 4:46
  feeling
• 4:46
  good
• 4:46
  about
• 4:47
  it.
• 4:47
  And
• 4:48
  when
• 4:48
  you
• 4:48
  feel
• 4:48
  good
• 4:48
  about
• 4:49
  it,
• 4:49
  those
• 4:49
  wins,
• 4:50
  they
• 4:51
  build
• 4:51
  that
• 4:51
  belief
• 4:51
  in
• 4:52
  yourself.
• 4:53
  And
• 4:53
  when
• 4:53
  you
• 4:53
  have
• 4:53
  that
• 4:54
  belief
• 4:54
  in
• 4:54
  yourself,
• 4:55
  it
• 4:55
  builds
• 4:55
  consistency.
• 4:57
  Here's
• 4:57
  another
• 4:57
  thing
• 4:58
  I'm
• 4:58
  going
• 4:58
  to
• 4:58
  encourage.
• 4:59
  Create
• 4:59
  one
• 5:00
  victory
• 5:00
  payment
• 5:01
  every
• 5:01
  week.
• 5:02
  Yeah,
• 5:02
  those
• 5:03
  monthly
• 5:03
  payments
• 5:03
  feel
• 5:04
  slow.
• 5:04
  That's
• 5:04
  what
• 5:05
  I
• 5:05
  heard
• 5:05
  in
• 5:05
  your
• 5:05
  question
• 5:05
  today.
• 5:07
  So
• 5:07
  we
• 5:07
  create
• 5:07
  weekly
• 5:08
  movement,
• 5:09
  even
• 5:09
  if
• 5:10
  it's
• 5:10
  just
• 5:10
  10
• 5:10
  bucks.
• 5:11
  Every
• 5:12
  Friday,
• 5:12
  make
• 5:12
  a
• 5:13
  small
• 5:13
  extra
• 5:13
  payment
• 5:14
  to
• 5:14
  your
• 5:14
  current
• 5:14
  focus
• 5:15
  debt.
• 5:16
  Because
• 5:16
  when
• 5:16
  you
• 5:16
  do
• 5:17
  that,
• 5:17
  that
• 5:18
  weekly
• 5:18
  action
• 5:19
  keeps
• 5:19
  your
• 5:19
  brain
• 5:20
  engaged.
• 5:21
  It
• 5:21
  says
• 5:21
  to
• 5:22
  you,
• 5:22
  hey,
• 5:22
  I'm
• 5:22
  not
• 5:22
  stuck
• 5:23
  anymore,
• 5:24
  I'm
• 5:24
  moving.
• 5:24
  And
• 5:24
  yeah,
• 5:25
  you're
• 5:25
  thinking,
• 5:25
  oh,
• 5:25
  it's
• 5:25
  just
• 5:25
  $10,
• 5:26
  but
• 5:27
  you're
• 5:27
  not
• 5:27
  stuck.
• 5:28
  You're
• 5:29
  moving
• 5:29
  forward.
• 5:30
  The
• 5:31
  other
• 5:31
  thing
• 5:31
  I'm
• 5:31
  going
• 5:31
  to
• 5:31
  encourage
• 5:32
  you
• 5:32
  to
• 5:32
  do,
• 5:32
  and
• 5:32
  a
• 5:32
  lot
• 5:32
  of
• 5:33
  people
• 5:33
  don't
• 5:33
  think
• 5:33
  about
• 5:33
  this
• 5:34
  one,
• 5:34
  and
• 5:34
  I
• 5:34
  think
• 5:34
  this
• 5:34
  is
• 5:35
  absolutely
• 5:35
  something
• 5:36
  you
• 5:36
  must
• 5:36
  do.
• 5:37
  You've
• 5:37
  got
• 5:37
  to
• 5:37
  track
• 5:38
  your
• 5:38
  progress
• 5:38
  in
• 5:39
  a
• 5:39
  way
• 5:39
  that
• 5:39
  you
• 5:39
  can
• 5:40
  feel.
• 5:41
  Don't
• 5:41
  just
• 5:41
  look
• 5:42
  at
• 5:42
  the
• 5:42
  balances.
• 5:42
  If
• 5:42
  you
• 5:43
  just
• 5:43
  look
• 5:43
  at
• 5:43
  the
• 5:43
  balances
• 5:44
  you're
• 5:44
  going
• 5:45
  to
• 5:45
  live
• 5:45
  in.
• 5:45
  This
• 5:45
  constant
• 5:46
  state
• 5:46
  of
• 5:46
  this
• 5:46
  mountain
• 5:47
  is
• 5:47
  so
• 5:47
  high,
• 5:47
  Ralph.
• 5:48
  I
• 5:48
  don't
• 5:48
  know
• 5:48
  if
• 5:48
  I'm
• 5:49
  ever
• 5:49
  going
• 5:49
  to
• 5:49
  get
• 5:49
  past
• 5:49
  it.
• 5:51
  Create
• 5:51
  some
• 5:51
  simple
• 5:52
  visuals
• 5:52
  for
• 5:52
  yourself.
• 5:54
  Maybe
• 5:54
  a
• 5:54
  checklist
• 5:55
  of
• 5:55
  payoff
• 5:56
  milestones,
• 5:57
  Maybe
• 5:58
  a
• 5:58
  bar
• 5:58
  that
• 5:59
  you
• 5:59
  color
• 5:59
  in
• 5:59
  each
• 5:59
  week.
• 6:00
  One
• 6:00
  of
• 6:00
  the
• 6:00
  things
• 6:00
  that
• 6:00
  one
• 6:00
  of
• 6:00
  the
• 6:01
  listeners
• 6:01
  did
• 6:01
  is
• 6:01
  they
• 6:01
  put
• 6:02
  this
• 6:02
  on
• 6:02
  their
• 6:02
  refrigerator.
• 6:03
  They
• 6:03
  put
• 6:04
  the
• 6:04
  full
• 6:04
  amount
• 6:04
  of
• 6:04
  the
• 6:04
  debt
• 6:04
  and
• 6:05
  they
• 6:05
  took
• 6:05
  a
• 6:05
  red
• 6:05
  magic
• 6:06
  marker
• 6:06
  and
• 6:06
  as
• 6:06
  they
• 6:06
  paid
• 6:07
  stuff
• 6:07
  off,
• 6:07
  they
• 6:07
  just
• 6:08
  filled
• 6:08
  it
• 6:08
  as
• 6:08
  they
• 6:08
  went
• 6:09
  up.
• 6:10
  That
• 6:10
  will
• 6:10
  make
• 6:11
  your
• 6:11
  life
• 6:11
  so
• 6:12
  much
• 6:12
  better
• 6:12
  because
• 6:13
  you're
• 6:13
  going
• 6:13
  to
• 6:13
  see
• 6:13
  progress.
• 6:14
  And
• 6:15
  when
• 6:15
  you
• 6:15
  see
• 6:15
  progress,
• 6:16
  just
• 6:16
  like
• 6:16
  I
• 6:16
  see
• 6:16
  on
• 6:17
  my
• 6:17
  weight
• 6:17
  loss
• 6:17
  journey,
• 6:19
  that
• 6:19
  helps
• 6:19
  you
• 6:19
  endure
• 6:19
  this
• 6:20
  process.
• 6:20
  And
• 6:20
  listen,
• 6:20
  I'm
• 6:21
  gonna
• 6:21
  tell
• 6:21
  you
• 6:21
  right
• 6:21
  now,
• 6:22
  paying
• 6:22
  off
• 6:22
  debt
• 6:23
  is
• 6:23
  a
• 6:23
  process.
• 6:24
  It's
• 6:24
  a
• 6:24
  journey.
• 6:25
  And
• 6:25
  it
• 6:25
  is
• 6:26
  something
• 6:26
  you
• 6:26
  gotta
• 6:26
  learn
• 6:27
  to
• 6:27
  endure.
• 6:28
  Here's
• 6:28
  another
• 6:28
  thing
• 6:29
  I'm
• 6:29
  gonna
• 6:29
  encourage
• 6:29
  you
• 6:29
  to
• 6:29
  do.
• 6:30
  Build
• 6:30
  a
• 6:31
  hope
• 6:31
  budget
• 6:32
  for
• 6:32
  one
• 6:32
  small
• 6:33
  joy.
• 6:34
  Because
• 6:34
  it's
• 6:34
  one
• 6:34
  thing
• 6:35
  to
• 6:35
  pay
• 6:35
  off
• 6:35
  all
• 6:35
  your
• 6:35
  debts,
• 6:36
  but
• 6:36
  you've
• 6:36
  got
• 6:36
  to
• 6:36
  find
• 6:37
  a
• 6:37
  way
• 6:37
  to
• 6:37
  reward
• 6:38
  yourself.
• 6:38
  Now,
• 6:38
  I'm
• 6:38
  not
• 6:39
  talking
• 6:39
  about
• 6:39
  some
• 6:40
  super
• 6:40
  large
• 6:41
  indulgence,
• 6:42
  but
• 6:43
  this
• 6:43
  is
• 6:43
  the
• 6:43
  way
• 6:43
  you
• 6:43
  keep
• 6:43
  sustainability
• 6:44
  going,
• 6:46
  keep
• 6:46
  one
• 6:46
  small
• 6:46
  thing
• 6:47
  that
• 6:47
  keeps
• 6:47
  you
• 6:47
  from
• 6:48
  burnout.
• 6:49
  For
• 6:49
  many
• 6:49
  of
• 6:49
  us,
• 6:50
  it
• 6:50
  could
• 6:50
  be
• 6:50
  that
• 6:50
  $10
• 6:51
  coffee
• 6:51
  budget.
• 6:52
  You're
• 6:52
  just
• 6:52
  going
• 6:52
  to
• 6:52
  keep
• 6:52
  that
• 6:53
  in
• 6:53
  there
• 6:53
  every
• 6:54
  week.
• 6:54
  You're
• 6:54
  going
• 6:54
  to
• 6:54
  treat
• 6:55
  yourself.
• 6:56
  Maybe
• 6:56
  for
• 6:56
  you,
• 6:57
  a
• 6:57
  family
• 6:57
  movie
• 6:57
  night
• 6:58
  at
• 6:58
  home
• 6:58
  or
• 6:58
  maybe
• 6:59
  some
• 6:59
  other
• 6:59
  simple
• 7:00
  treat.
• 7:01
  Because
• 7:01
  the
• 7:02
  truth
• 7:02
  is,
• 7:02
  and
• 7:02
  I've
• 7:02
  felt
• 7:03
  this
• 7:03
  in
• 7:03
  my
• 7:03
  own
• 7:03
  life,
• 7:04
  if
• 7:04
  your
• 7:05
  plan
• 7:05
  feels
• 7:05
  like
• 7:05
  punishment,
• 7:07
  you're
• 7:07
  going
• 7:07
  to
• 7:07
  rebel
• 7:08
  against
• 7:08
  it.
• 7:09
  But
• 7:09
  hope
• 7:10
  keeps
• 7:10
  you
• 7:10
  steady.
• 7:10
  Now,
• 7:11
  I'm
• 7:11
  going
• 7:11
  to
• 7:11
  use
• 7:11
  my
• 7:12
  diet
• 7:12
  analogy
• 7:13
  here,
• 7:13
  because
• 7:13
  I
• 7:13
  was
• 7:13
  talking
• 7:13
  to
• 7:14
  somebody
• 7:14
  yesterday.
• 7:14
  I
• 7:14
  was
• 7:14
  out
• 7:15
  walking
• 7:15
  around
• 7:15
  the
• 7:15
  farm
• 7:16
  here,
• 7:16
  and
• 7:17
  the
• 7:17
  lady
• 7:17
  said
• 7:17
  to
• 7:17
  me,
• 7:17
  she
• 7:17
  goes,
• 7:18
  ralph,
• 7:18
  you've
• 7:18
  really
• 7:19
  lost
• 7:19
  a
• 7:19
  lot
• 7:19
  of
• 7:19
  weight.
• 7:19
  I
• 7:20
  said,
• 7:20
  yes,
• 7:20
  I
• 7:20
  have.
• 7:21
  And
• 7:21
  she
• 7:21
  goes,
• 7:22
  but
• 7:22
  you
• 7:22
  got
• 7:22
  to
• 7:22
  be
• 7:22
  honest
• 7:22
  with
• 7:23
  me.
• 7:23
  Do
• 7:23
  you
• 7:23
  ever
• 7:23
  cheat
• 7:24
  a
• 7:24
  little
• 7:24
  bit?
• 7:25
  And
• 7:25
  I
• 7:25
  said,
• 7:25
  absolutely.
• 7:27
  I
• 7:27
  said,
• 7:27
  I
• 7:27
  pick
• 7:27
  one
• 7:28
  meal
• 7:28
  a
• 7:28
  week,
• 7:28
  and
• 7:29
  I
• 7:29
  don't
• 7:29
  track
• 7:29
  it.
• 7:29
  I
• 7:30
  don't
• 7:30
  pay
• 7:30
  attention
• 7:30
  to
• 7:30
  what
• 7:31
  it
• 7:31
  is.
• 7:31
  Now,
• 7:31
  I
• 7:32
  don't
• 7:32
  go
• 7:32
  crazy
• 7:33
  and
• 7:33
  eat
• 7:33
  a
• 7:33
  ton
• 7:34
  of
• 7:34
  stuff,
• 7:35
  but
• 7:35
  I
• 7:35
  know
• 7:35
  to
• 7:35
  be
• 7:36
  consistent,
• 7:36
  I've
• 7:37
  got
• 7:37
  to
• 7:37
  give
• 7:37
  myself
• 7:38
  those
• 7:38
  little
• 7:38
  treats.
• 7:40
  And
• 7:40
  final
• 7:41
  thing
• 7:41
  I
• 7:41
  want
• 7:41
  to
• 7:41
  encourage
• 7:41
  you
• 7:42
  to
• 7:42
  do
• 7:43
  is
• 7:43
  pair
• 7:43
  your
• 7:44
  plan
• 7:44
  with
• 7:44
  a
• 7:44
  promise.
• 7:46
  The
• 7:46
  truth
• 7:46
  is,
• 7:46
  debt
• 7:47
  payoff
• 7:47
  is
• 7:47
  slow.
• 7:49
  It's
• 7:49
  going
• 7:49
  to
• 7:49
  take
• 7:49
  a
• 7:50
  lot
• 7:50
  of
• 7:50
  time.
• 7:50
  You
• 7:50
  didn't
• 7:51
  generally
• 7:51
  run
• 7:51
  this
• 7:52
  up
• 7:52
  overnight.
• 7:53
  So
• 7:54
  you've
• 7:54
  got
• 7:54
  to
• 7:54
  have
• 7:54
  what
• 7:54
  I
• 7:55
  call
• 7:55
  an
• 7:55
  anchor
• 7:56
  statement.
• 7:57
  Say
• 7:57
  this
• 7:57
  out
• 7:58
  loud
• 7:58
  to
• 7:58
  yourself.
• 7:58
  Hey,
• 7:59
  even
• 7:59
  if
• 7:59
  you
• 7:59
  have
• 7:59
  to
• 7:59
  do
• 7:59
  it
• 7:59
  10
• 8:00
  times
• 8:00
  a
• 8:00
  day,
• 8:00
  when
• 8:00
  you
• 8:00
  first
• 8:01
  get
• 8:01
  started,
• 8:02
  I
• 8:03
  am
• 8:03
  not
• 8:03
  behind
• 8:05
  on
• 8:05
  being
• 8:05
  faithful.
• 8:07
  Because
• 8:08
  you're
• 8:08
  going
• 8:08
  to
• 8:08
  hear
• 8:08
  the
• 8:08
  enemy
• 8:09
  whispering
• 8:10
  or
• 8:10
  even
• 8:10
  shouting
• 8:11
  at
• 8:11
  you.
• 8:12
  This
• 8:12
  will
• 8:13
  never
• 8:13
  change.
• 8:14
  You're
• 8:14
  going
• 8:15
  to
• 8:15
  hear
• 8:15
  that.
• 8:15
  That's
• 8:15
  what
• 8:15
  I
• 8:16
  hear
• 8:16
  in
• 8:16
  your
• 8:16
  listener
• 8:17
  question
• 8:17
  today.
• 8:18
  Underneath
• 8:19
  of
• 8:19
  the
• 8:19
  surface
• 8:20
  is
• 8:20
  this
• 8:20
  feeling
• 8:20
  of,
• 8:21
  ralph,
• 8:21
  I'm
• 8:21
  never
• 8:22
  going
• 8:22
  to
• 8:22
  change
• 8:22
  this.
• 8:24
  But
• 8:24
  our
• 8:24
  faith
• 8:25
  tells
• 8:25
  us
• 8:25
  something
• 8:25
  different,
• 8:26
  doesn't
• 8:26
  it?
• 8:27
  Our
• 8:27
  faith
• 8:28
  tells
• 8:28
  us,
• 8:29
  keep
• 8:29
  going.
• 8:31
  So
• 8:31
  I'm
• 8:31
  going
• 8:31
  to
• 8:31
  encourage
• 8:32
  you
• 8:32
  right
• 8:32
  now.
• 8:32
  Keep
• 8:32
  going.
• 8:34
  Those
• 8:34
  small
• 8:35
  wins
• 8:36
  build
• 8:36
  strong
• 8:36
  hope.
• 8:38
  So
• 8:38
  here's
• 8:38
  your
• 8:38
  step
• 8:39
  for
• 8:39
  today.
• 8:40
  This
• 8:40
  is
• 8:40
  one
• 8:40
  that
• 8:40
  can
• 8:41
  definitely
• 8:41
  reward
• 8:42
  you
• 8:42
  right
• 8:42
  away.
• 8:43
  List
• 8:43
  your
• 8:43
  debts
• 8:44
  from
• 8:44
  the
• 8:44
  smallest
• 8:45
  balance
• 8:45
  to
• 8:45
  the
• 8:45
  largest.
• 8:47
  You
• 8:47
  might
• 8:47
  be
• 8:47
  saying,
• 8:47
  ralph,
• 8:48
  I
• 8:48
  don't
• 8:48
  know
• 8:48
  if
• 8:48
  I
• 8:48
  want
• 8:48
  to
• 8:48
  look
• 8:49
  at
• 8:49
  this.
• 8:50
  Do
• 8:50
  that
• 8:50
  today.
• 8:52
  List
• 8:52
  them
• 8:52
  from
• 8:52
  the
• 8:53
  smallest
• 8:53
  to
• 8:53
  the
• 8:54
  largest
• 8:54
  and
• 8:54
  circle
• 8:55
  the
• 8:55
  smallest.
• 8:56
  That's
• 8:56
  going
• 8:56
  to
• 8:57
  be
• 8:57
  your
• 8:57
  focus
• 8:57
  debt
• 8:58
  for
• 8:58
  this
• 8:58
  week.
• 8:59
  And
• 8:59
  then
• 8:59
  I
• 8:59
  want
• 8:59
  to
• 9:00
  encourage
• 9:00
  you
• 9:00
  to
• 9:00
  schedule
• 9:01
  one
• 9:01
  victory
• 9:01
  payment
• 9:02
  to
• 9:02
  that
• 9:02
  debt
• 9:03
  this
• 9:03
  week,
• 9:03
  even
• 9:03
  if
• 9:03
  it's
• 9:04
  only
• 9:04
  $10,
• 9:05
  because
• 9:06
  that
• 9:06
  will
• 9:06
  help
• 9:07
  build
• 9:07
  that
• 9:07
  momentum.
• 9:09
  Well,
• 9:09
  let's
• 9:09
  get
• 9:09
  to
• 9:10
  our
• 9:10
  scripture
• 9:10
  verse.
• 9:10
  Today
• 9:11
  comes
• 9:11
  to
• 9:11
  us
• 9:12
  from
• 9:12
  the
• 9:12
  book
• 9:12
  of
• 9:12
  Psalms,
• 9:13
  chapter
• 9:13
  40,
• 9:14
  verses
• 9:15
  1
• 9:15
  and
• 9:15
  2.
• 9:16
  And
• 9:16
  it
• 9:17
  says
• 9:17
  this,
• 9:18
  I
• 9:18
  waited
• 9:19
  patiently
• 9:19
  for
• 9:19
  the
• 9:19
  Lord.
• 9:20
  He
• 9:21
  turned
• 9:21
  to
• 9:21
  me
• 9:22
  and
• 9:22
  he
• 9:22
  heard
• 9:23
  me
• 9:23
  cry.
• 9:24
  He
• 9:24
  lifted
• 9:25
  me
• 9:25
  out
• 9:25
  of
• 9:25
  the
• 9:25
  slimy
• 9:26
  pit,
• 9:27
  out
• 9:27
  of
• 9:27
  the
• 9:27
  mud
• 9:28
  and
• 9:28
  mire.
• 9:29
  He
• 9:30
  set
• 9:30
  my
• 9:30
  feet
• 9:30
  on
• 9:31
  rock
• 9:31
  and
• 9:32
  gave
• 9:32
  me
• 9:32
  a
• 9:32
  firm
• 9:33
  place
• 9:33
  to
• 9:33
  stand.
• 9:35
  What
• 9:35
  a
• 9:36
  beautiful
• 9:36
  verse
• 9:36
  today.
• 9:37
  What
• 9:37
  an
• 9:38
  encouraging
• 9:38
  verse
• 9:39
  today.
• 9:40
  Because
• 9:40
  when
• 9:40
  you
• 9:41
  feel
• 9:41
  stuck
• 9:42
  and
• 9:42
  when
• 9:43
  you
• 9:43
  feel
• 9:43
  sinking,
• 9:45
  God
• 9:45
  is
• 9:46
  truly
• 9:46
  the
• 9:46
  one
• 9:46
  who
• 9:46
  can
• 9:47
  steady
• 9:47
  you
• 9:48
  step
• 9:48
  by
• 9:49
  step,
• 9:50
  day
• 9:50
  by
• 9:50
  day,
• 9:51
  until
• 9:52
  you're
• 9:52
  standing
• 9:53
  on
• 9:53
  firm
• 9:53
  ground.
• 9:54
  Let's
• 9:55
  pray
• 9:55
  together,
• 9:56
  Father
• 9:56
  God,
• 9:57
  you
• 9:58
  see
• 9:58
  the
• 9:58
  weight
• 9:58
  we
• 9:59
  all
• 9:59
  carry.
• 10:00
  You
• 10:00
  hear
• 10:01
  our
• 10:01
  anxiety.
• 10:03
  You
• 10:03
  know
• 10:03
  the
• 10:03
  fatigue
• 10:04
  that
• 10:04
  many
• 10:04
  of
• 10:04
  us
• 10:04
  feel
• 10:05
  trying
• 10:05
  and
• 10:06
  not
• 10:06
  seeing
• 10:06
  those
• 10:07
  fast
• 10:07
  results.
• 10:09
  And
• 10:09
  I
• 10:09
  ask
• 10:10
  you
• 10:10
  to
• 10:10
  lift
• 10:10
  our
• 10:10
  hearts
• 10:11
  today.
• 10:12
  Give
• 10:12
  us
• 10:13
  plans
• 10:13
  that
• 10:13
  create
• 10:13
  hope,
• 10:14
  Lord.
• 10:15
  Give
• 10:15
  us
• 10:15
  strength
• 10:16
  for
• 10:16
  consistency
• 10:18
  and
• 10:18
  give
• 10:19
  us
• 10:19
  peace
• 10:19
  when
• 10:19
  progress
• 10:20
  feels
• 10:20
  slow.
• 10:22
  I
• 10:22
  ask
• 10:22
  that
• 10:22
  you
• 10:22
  will
• 10:23
  provide
• 10:23
  what
• 10:23
  we
• 10:23
  need.
• 10:25
  Open
• 10:25
  doors
• 10:25
  that
• 10:25
  we
• 10:26
  don't
• 10:26
  even
• 10:26
  see
• 10:26
  yet,
• 10:27
  Lord,
• 10:28
  and
• 10:28
  study
• 10:29
  our
• 10:29
  feet
• 10:30
  on
• 10:30
  your
• 10:31
  solid
• 10:31
  rock,
• 10:32
  on
• 10:32
  your
• 10:32
  solid
• 10:32
  ground.
• 10:33
  And
• 10:33
  we
• 10:33
  ask
• 10:33
  this
• 10:34
  in
• 10:34
  Jesus
• 10:34
  name.
• 10:36
  Amen,
• 10:38
  friend.
• 10:40
  You're
• 10:40
  not
• 10:40
  just
• 10:40
  paying
• 10:41
  debt,
• 10:42
  you're
• 10:42
  reclaiming
• 10:43
  hope.
• 10:44
  One
• 10:44
  win
• 10:44
  at
• 10:44
  a
• 10:45
  time.
• 10:46
  And
• 10:46
  if
• 10:47
  you've
• 10:47
  got
• 10:47
  a
• 10:47
  question
• 10:47
  for
• 10:48
  this
• 10:48
  show,
• 10:48
  my
• 10:49
  passion
• 10:49
  is
• 10:49
  to
• 10:50
  answer
• 10:50
  your
• 10:50
  questions.
• 10:51
  If
• 10:51
  you've
• 10:51
  got
• 10:52
  a
• 10:52
  question
• 10:52
  about
• 10:52
  money
• 10:53
  and
• 10:53
  faith
• 10:54
  or
• 10:54
  any
• 10:54
  kind
• 10:55
  of
• 10:55
  question
• 10:55
  in
• 10:55
  between,
• 10:56
  I
• 10:56
  would
• 10:56
  love
• 10:57
  to
• 10:57
  hear
• 10:57
  from
• 10:57
  you.
• 10:58
  And
• 10:58
  one
• 10:58
  of
• 10:58
  the
• 10:58
  greatest
• 10:59
  things
• 10:59
  you
• 10:59
  can
• 10:59
  do,
• 10:59
  one
• 11:00
  of
• 11:00
  our
• 11:00
  benefits
• 11:00
  of
• 11:01
  our
• 11:01
  website
• 11:01
  is
• 11:02
  you
• 11:02
  can
• 11:02
  actually
• 11:02
  leave
• 11:03
  us
• 11:03
  a
• 11:03
  voicemail
• 11:04
  and
• 11:04
  it's
• 11:05
  super
• 11:05
  simple.
• 11:06
  Go
• 11:06
  to
• 11:06
  financiallyconfidentchristian.com/voicemail
• 11:11
  now.
• 11:12
  We'll
• 11:12
  put
• 11:12
  that
• 11:12
  in
• 11:12
  the
• 11:12
  show
• 11:12
  notes.
• 11:13
  You
• 11:13
  can
• 11:13
  click
• 11:13
  right
• 11:13
  on
• 11:14
  it.
• 11:14
  But
• 11:14
  I'm
• 11:14
  going
• 11:14
  to
• 11:14
  give
• 11:14
  it
• 11:14
  to
• 11:14
  you
• 11:14
  again
• 11:15
  here
• 11:15
  right
• 11:16
  now,
• 11:16
  it's
• 11:17
  financiallyconfidentChristian.com/voicemail.
• 11:22
  I
• 11:22
  would
• 11:22
  love
• 11:22
  to
• 11:23
  hear
• 11:23
  your
• 11:23
  voice.
• 11:24
  So
• 11:24
  thank
• 11:25
  you
• 11:25
  so
• 11:25
  much
• 11:25
  for
• 11:25
  joining
• 11:26
  me
• 11:26
  today.
• 11:26
  Thank
• 11:27
  you
• 11:27
  for
• 11:27
  your
• 11:28
  great
• 11:28
  questions.
• 11:29
  I
• 11:29
  want
• 11:29
  to
• 11:30
  encourage
• 11:30
  you
• 11:30
  to
• 11:30
  stay
• 11:31
  financially
• 11:31
  savvy.
• 11:32
  May
• 11:32
  God
• 11:32
  bless
• 11:32
  you
• 11:33
  and
• 11:33
  you
• 11:34
  have
• 11:34
  a
• 11:34
  truly
• 11:34
  great
• 11:35
  day
• 11:35
  today.