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Do You Know The Secret To Paying Off Credit Cards Fast? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:38
  ever
• 0:38
  made
• 0:38
  a
• 0:38
  credit
• 0:38
  card
• 0:39
  payment,
• 0:40
  looked
• 0:40
  at
• 0:40
  the
• 0:40
  new
• 0:40
  balance
• 0:41
  and
• 0:41
  thought,
• 0:42
  that's
• 0:42
  it.
• 0:44
  You're
• 0:44
  sending
• 0:44
  money
• 0:45
  every
• 0:45
  month.
• 0:46
  You're
• 0:46
  being
• 0:46
  responsible.
• 0:48
  You're
• 0:48
  doing
• 0:48
  the
• 0:49
  work,
• 0:50
  but
• 0:50
  that
• 0:50
  balance
• 0:51
  is
• 0:51
  barely
• 0:51
  moving
• 0:53
  and
• 0:53
  it
• 0:53
  feels
• 0:53
  like
• 0:53
  you're
• 0:54
  running
• 0:54
  on
• 0:54
  a
• 0:54
  treadmill.
• 0:55
  Yeah,
• 0:56
  you're
• 0:56
  working
• 0:56
  hard,
• 0:58
  but
• 0:58
  you're
• 0:58
  going
• 0:59
  nowhere.
• 1:00
  First
• 1:01
  of
• 1:01
  all,
• 1:01
  friend,
• 1:01
  you're
• 1:01
  not
• 1:02
  crazy.
• 1:04
  Minimum
• 1:04
  payments
• 1:04
  are
• 1:05
  designed
• 1:05
  to
• 1:05
  keep
• 1:05
  you
• 1:06
  in
• 1:06
  motion
• 1:06
  without
• 1:07
  making
• 1:07
  progress.
• 1:08
  That's
• 1:08
  how
• 1:08
  banks
• 1:09
  make
• 1:09
  money,
• 1:09
  to
• 1:09
  be
• 1:09
  blunt.
• 1:11
  So
• 1:11
  today
• 1:12
  on
• 1:12
  the
• 1:12
  show,
• 1:12
  I
• 1:12
  want
• 1:12
  to
• 1:13
  shift
• 1:13
  from
• 1:13
  motion
• 1:14
  to
• 1:14
  momentum,
• 1:15
  and
• 1:16
  I'm
• 1:16
  going
• 1:16
  to
• 1:16
  show
• 1:16
  you
• 1:16
  a
• 1:17
  way
• 1:17
  to
• 1:17
  pay
• 1:17
  off
• 1:17
  those
• 1:17
  balances
• 1:18
  fast.
• 1:18
  Going
• 1:19
  to
• 1:19
  be
• 1:19
  a
• 1:19
  great
• 1:19
  show
• 1:20
  today.
• 1:42
  Hey,
• 1:42
  friend,
• 1:42
  Ralph
• 1:43
  Estep
• 1:43
  Jr.
• 1:44
  Here.
• 1:44
  Welcome
• 1:45
  to
• 1:45
  Financially
• 1:45
  Confident
• 1:46
  Christian,
• 1:47
  where
• 1:47
  I
• 1:47
  want
• 1:47
  to
• 1:47
  help
• 1:47
  you
• 1:48
  break
• 1:48
  that
• 1:48
  cycle
• 1:49
  of
• 1:49
  financial
• 1:49
  shame
• 1:50
  that
• 1:50
  so
• 1:50
  many
• 1:50
  of
• 1:51
  us
• 1:51
  live
• 1:51
  in
• 1:52
  and
• 1:52
  truly
• 1:52
  find
• 1:53
  confidence.
• 1:54
  And
• 1:54
  today's
• 1:55
  topic
• 1:55
  is
• 1:55
  something
• 1:56
  a
• 1:56
  lot
• 1:56
  of
• 1:56
  us
• 1:56
  deal
• 1:57
  with
• 1:57
  at
• 1:57
  some
• 1:57
  time
• 1:58
  in
• 1:58
  our
• 1:58
  life,
• 1:59
  and
• 1:59
  that's
• 1:59
  credit
• 2:00
  card
• 2:00
  debt.
• 2:01
  So
• 2:01
  today
• 2:02
  I
• 2:02
  want
• 2:02
  to
• 2:02
  talk
• 2:02
  about
• 2:02
  some
• 2:03
  smart
• 2:03
  strategies
• 2:04
  to
• 2:04
  pay
• 2:04
  off
• 2:04
  credit
• 2:05
  cards
• 2:05
  faster.
• 2:06
  And
• 2:06
  I
• 2:07
  got
• 2:07
  a
• 2:07
  special
• 2:07
  treat
• 2:07
  for
• 2:08
  you
• 2:08
  today.
• 2:09
  We've
• 2:09
  been
• 2:09
  talking
• 2:09
  about
• 2:10
  sending
• 2:10
  in
• 2:10
  your
• 2:11
  questions.
• 2:12
  Well,
• 2:12
  guess
• 2:12
  what?
• 2:12
  We've
• 2:13
  got
• 2:13
  a
• 2:13
  voicemail
• 2:14
  question
• 2:14
  that
• 2:15
  we're
• 2:15
  going
• 2:15
  to
• 2:15
  play
• 2:15
  right
• 2:16
  now.
• 2:16
  So
• 2:16
  here's
• 2:16
  our
• 2:16
  voicemail
• 2:17
  question
• 2:17
  for
• 2:17
  today.
• 2:18
  Hello,
• 2:19
  Ralph,
• 2:19
  I
• 2:20
  think
• 2:20
  I'm
• 2:20
  recording
• 2:21
  this.
• 2:22
  I'm
• 2:22
  faithfully
• 2:23
  making
• 2:23
  payments
• 2:24
  on
• 2:24
  my
• 2:24
  credit
• 2:24
  cards,
• 2:25
  yet
• 2:25
  it
• 2:26
  feels
• 2:26
  like
• 2:26
  I'm
• 2:26
  running
• 2:27
  on
• 2:27
  a
• 2:27
  treadmill.
• 2:29
  The
• 2:29
  balance
• 2:29
  barely
• 2:30
  moves,
• 2:31
  and
• 2:31
  it's
• 2:31
  hard
• 2:31
  not
• 2:32
  to
• 2:32
  feel
• 2:32
  discouraged.
• 2:34
  I'm
• 2:34
  doing
• 2:34
  the
• 2:35
  work,
• 2:35
  but
• 2:36
  I'm
• 2:36
  not
• 2:36
  seeing
• 2:37
  the
• 2:37
  breakthrough.
• 2:38
  I'm
• 2:38
  starting
• 2:39
  to
• 2:39
  lose
• 2:39
  hope.
• 2:41
  What's
• 2:41
  the
• 2:41
  smartest
• 2:42
  way
• 2:42
  to
• 2:42
  tackle
• 2:42
  this
• 2:43
  so
• 2:43
  I
• 2:43
  can
• 2:43
  finally
• 2:44
  see
• 2:44
  real
• 2:44
  progress
• 2:45
  and
• 2:45
  feel
• 2:46
  like
• 2:46
  I'm
• 2:46
  moving
• 2:47
  forward?
• 2:49
  Well,
• 2:49
  thank
• 2:49
  you
• 2:49
  so
• 2:49
  much
• 2:50
  for
• 2:50
  sending
• 2:50
  in
• 2:50
  that
• 2:50
  question
• 2:51
  and
• 2:51
  thanks
• 2:52
  for
• 2:52
  being
• 2:52
  one
• 2:52
  of
• 2:52
  our
• 2:52
  first
• 2:53
  voicemail
• 2:53
  people.
• 2:54
  And
• 2:54
  if
• 2:54
  you
• 2:54
  want
• 2:54
  to
• 2:54
  send
• 2:55
  in
• 2:55
  a
• 2:55
  question
• 2:55
  just
• 2:55
  like
• 2:55
  that
• 2:56
  person
• 2:56
  did,
• 2:56
  you
• 2:56
  can
• 2:56
  go
• 2:57
  to
• 2:57
  financially
• 2:58
  confidentchristian.com
• 3:01
  voicemail.
• 3:02
  It's
• 3:02
  super
• 3:03
  easy
• 3:03
  and
• 3:03
  I
• 3:04
  would
• 3:04
  love
• 3:04
  to
• 3:04
  hear
• 3:04
  your
• 3:04
  voice.
• 3:06
  But
• 3:06
  the
• 3:06
  big
• 3:06
  idea
• 3:07
  today
• 3:07
  is
• 3:07
  you
• 3:08
  need
• 3:08
  focus,
• 3:09
  not
• 3:09
  just
• 3:10
  faithfulness.
• 3:11
  So
• 3:11
  let's
• 3:12
  get
• 3:12
  into
• 3:12
  how
• 3:12
  to
• 3:12
  make
• 3:12
  this
• 3:13
  credit
• 3:13
  card
• 3:13
  debt
• 3:14
  get
• 3:14
  to
• 3:14
  be
• 3:14
  manageable.
• 3:15
  First
• 3:16
  thing
• 3:16
  I'm
• 3:16
  going
• 3:16
  to
• 3:16
  encourage
• 3:16
  you
• 3:17
  to
• 3:17
  do
• 3:17
  is
• 3:18
  stop
• 3:18
  spreading
• 3:19
  extra
• 3:19
  money
• 3:19
  across
• 3:20
  every
• 3:20
  card
• 3:21
  you
• 3:21
  have.
• 3:22
  I
• 3:22
  see
• 3:22
  so
• 3:22
  many
• 3:23
  people
• 3:23
  that
• 3:23
  make
• 3:23
  this
• 3:24
  mistake.
• 3:24
  I
• 3:24
  consider
• 3:24
  it
• 3:25
  the
• 3:25
  biggest
• 3:25
  mistake.
• 3:26
  If
• 3:27
  you
• 3:27
  send
• 3:27
  an
• 3:27
  extra
• 3:28
  $20
• 3:29
  to
• 3:29
  five
• 3:29
  cards,
• 3:30
  you're
• 3:31
  going
• 3:31
  to
• 3:31
  feel
• 3:31
  busy,
• 3:33
  but
• 3:33
  nothing
• 3:33
  meaningful
• 3:34
  is
• 3:34
  going
• 3:34
  to
• 3:35
  happen
• 3:35
  because
• 3:36
  you're
• 3:36
  only
• 3:36
  sending
• 3:37
  a
• 3:37
  Little
• 3:37
  bit
• 3:37
  of
• 3:37
  extra
• 3:38
  payments
• 3:38
  to
• 3:39
  each
• 3:39
  one.
• 3:39
  So
• 3:39
  here's
• 3:39
  what
• 3:40
  I'm
• 3:40
  going
• 3:40
  to
• 3:40
  encourage
• 3:40
  you
• 3:40
  to
• 3:40
  do
• 3:40
  instead.
• 3:41
  Choose
• 3:42
  one
• 3:42
  Target
• 3:43
  card.
• 3:43
  Now,
• 3:44
  I'm
• 3:44
  not
• 3:44
  talking
• 3:44
  about
• 3:44
  the
• 3:44
  department
• 3:45
  store
• 3:45
  target,
• 3:46
  I'm
• 3:46
  talking
• 3:46
  about
• 3:46
  pick
• 3:46
  a
• 3:47
  target.
• 3:47
  For
• 3:47
  example,
• 3:48
  I
• 3:48
  really
• 3:48
  enjoy
• 3:49
  shooting,
• 3:50
  been
• 3:50
  shooting
• 3:51
  since
• 3:51
  I
• 3:51
  was
• 3:51
  a
• 3:51
  young
• 3:51
  lad,
• 3:52
  as
• 3:52
  my
• 3:52
  grandfather
• 3:53
  would
• 3:53
  say.
• 3:54
  And
• 3:54
  target
• 3:54
  practice
• 3:55
  is
• 3:55
  really
• 3:55
  important
• 3:56
  for
• 3:56
  me.
• 3:57
  And
• 3:57
  when
• 3:58
  I'm
• 3:58
  doing
• 3:58
  target
• 3:58
  practice,
• 3:59
  I
• 3:59
  put
• 4:00
  something
• 4:00
  in
• 4:00
  those
• 4:00
  crosshairs.
• 4:02
  Well,
• 4:02
  you've
• 4:02
  got
• 4:02
  to
• 4:03
  do
• 4:03
  the
• 4:03
  same
• 4:03
  thing
• 4:03
  with
• 4:03
  your
• 4:04
  credit.
• 4:05
  All
• 4:05
  your
• 4:06
  extra
• 4:06
  money
• 4:06
  goes
• 4:07
  to
• 4:07
  the
• 4:07
  one
• 4:07
  that
• 4:07
  you've
• 4:08
  targeted,
• 4:08
  the
• 4:08
  one
• 4:08
  you've
• 4:09
  put
• 4:09
  in
• 4:09
  the
• 4:09
  crosshairs.
• 4:10
  Now,
• 4:11
  don't
• 4:11
  neglect
• 4:11
  the
• 4:11
  other
• 4:11
  ones.
• 4:12
  Make
• 4:12
  sure
• 4:12
  you're
• 4:12
  making
• 4:12
  your
• 4:12
  minimum
• 4:13
  payments,
• 4:14
  but
• 4:14
  target
• 4:15
  the
• 4:15
  one
• 4:15
  with
• 4:15
  that
• 4:16
  extra
• 4:16
  money.
• 4:17
  Because
• 4:17
  what
• 4:17
  I
• 4:17
  have
• 4:18
  found
• 4:18
  is
• 4:18
  that
• 4:18
  focus,
• 4:19
  pressure,
• 4:20
  when
• 4:20
  you
• 4:20
  really
• 4:21
  focus
• 4:21
  in
• 4:21
  on
• 4:21
  it,
• 4:22
  it
• 4:22
  creates
• 4:23
  visible
• 4:23
  progress.
• 4:25
  Here's
• 4:25
  the
• 4:25
  second
• 4:25
  thing
• 4:25
  I'm
• 4:26
  going
• 4:26
  to
• 4:26
  encourage
• 4:26
  you
• 4:26
  to
• 4:26
  do.
• 4:27
  You
• 4:27
  got
• 4:27
  to
• 4:27
  pick
• 4:27
  a
• 4:28
  strategy.
• 4:28
  Now,
• 4:29
  we've
• 4:29
  talked
• 4:29
  about
• 4:29
  this
• 4:29
  on
• 4:30
  the
• 4:30
  show.
• 4:30
  The
• 4:30
  snowball
• 4:31
  or
• 4:32
  the
• 4:32
  avalanche
• 4:33
  method.
• 4:34
  Both
• 4:34
  of
• 4:34
  those
• 4:34
  are
• 4:35
  proven
• 4:35
  methods,
• 4:35
  and
• 4:35
  I'll
• 4:35
  visit
• 4:36
  those
• 4:36
  for
• 4:36
  just
• 4:36
  a
• 4:36
  second.
• 4:37
  Remember,
• 4:37
  the
• 4:37
  snowball
• 4:38
  is
• 4:38
  where
• 4:38
  you
• 4:39
  start
• 4:39
  your
• 4:39
  smallest
• 4:40
  balance
• 4:40
  first.
• 4:41
  You
• 4:41
  pay
• 4:41
  that
• 4:42
  off
• 4:42
  and
• 4:42
  it
• 4:42
  kind
• 4:42
  of
• 4:42
  snowballs.
• 4:43
  That's
• 4:43
  the
• 4:43
  whole
• 4:43
  reason
• 4:44
  for
• 4:44
  it.
• 4:44
  You
• 4:44
  pay
• 4:44
  the
• 4:45
  next
• 4:45
  one
• 4:45
  and
• 4:45
  the
• 4:46
  next
• 4:46
  one,
• 4:46
  but
• 4:47
  you
• 4:47
  start
• 4:47
  with
• 4:47
  the
• 4:47
  smallest
• 4:48
  balance.
• 4:48
  So
• 4:48
  mentally,
• 4:49
  psychologically,
• 4:50
  you
• 4:50
  see
• 4:50
  that
• 4:51
  you're
• 4:51
  making
• 4:51
  an
• 4:51
  impact.
• 4:52
  Now,
• 4:52
  the
• 4:52
  avalanche
• 4:53
  method
• 4:54
  is
• 4:54
  you
• 4:54
  start
• 4:55
  with
• 4:55
  the
• 4:55
  highest
• 4:55
  interest
• 4:56
  rate
• 4:56
  first.
• 4:56
  It's
• 4:57
  basically
• 4:57
  the
• 4:57
  method
• 4:57
  for
• 4:58
  us
• 4:58
  accountant
• 4:58
  types,
• 4:59
  the
• 4:59
  one
• 4:59
  that's
• 5:00
  costing
• 5:00
  you
• 5:00
  the
• 5:00
  most.
• 5:01
  But
• 5:02
  the
• 5:02
  problem
• 5:02
  with
• 5:02
  that
• 5:02
  one
• 5:02
  is
• 5:03
  you
• 5:03
  might
• 5:03
  not
• 5:03
  feel
• 5:04
  that
• 5:04
  motivation.
• 5:05
  That
• 5:05
  snowball
• 5:06
  builds
• 5:06
  the
• 5:06
  motivation
• 5:07
  fast.
• 5:08
  The
• 5:08
  avalanche
• 5:09
  honestly
• 5:09
  saves
• 5:10
  you
• 5:10
  more
• 5:10
  interest.
• 5:12
  But
• 5:12
  there's
• 5:12
  no
• 5:12
  right
• 5:12
  answer
• 5:13
  here.
• 5:13
  You
• 5:14
  got
• 5:14
  to
• 5:14
  choose
• 5:14
  the
• 5:14
  one
• 5:15
  that
• 5:15
  works
• 5:15
  for
• 5:15
  you,
• 5:15
  the
• 5:16
  one
• 5:16
  that
• 5:16
  you're
• 5:16
  going
• 5:16
  to
• 5:17
  stick
• 5:17
  with.
• 5:18
  Because
• 5:18
  in
• 5:18
  the
• 5:19
  end,
• 5:19
  momentum
• 5:20
  matters
• 5:20
  more
• 5:20
  than
• 5:21
  math
• 5:21
  perfection.
• 5:23
  Now,
• 5:23
  here's
• 5:23
  a
• 5:23
  little
• 5:24
  tip
• 5:24
  a
• 5:24
  lot
• 5:24
  of
• 5:24
  people
• 5:24
  don't
• 5:25
  think
• 5:25
  about.
• 5:26
  You
• 5:26
  can
• 5:27
  lower
• 5:27
  the
• 5:27
  interest
• 5:27
  rate
• 5:28
  when
• 5:28
  possible.
• 5:29
  A
• 5:29
  lot
• 5:29
  of
• 5:30
  people
• 5:30
  don't
• 5:30
  think
• 5:30
  about
• 5:30
  this.
• 5:30
  But
• 5:31
  pick
• 5:31
  up
• 5:31
  the
• 5:31
  phone
• 5:32
  or
• 5:32
  text,
• 5:33
  go
• 5:33
  on
• 5:33
  their
• 5:33
  website
• 5:34
  and
• 5:35
  call
• 5:35
  your
• 5:35
  credit
• 5:36
  card
• 5:36
  company,
• 5:37
  ask
• 5:37
  them
• 5:37
  for
• 5:37
  a
• 5:38
  rate
• 5:38
  reduction,
• 5:39
  say
• 5:39
  to
• 5:40
  them,
• 5:40
  listen,
• 5:40
  I've
• 5:40
  been
• 5:40
  with
• 5:41
  you
• 5:41
  for
• 5:41
  a
• 5:41
  long
• 5:41
  time.
• 5:42
  You
• 5:42
  see
• 5:43
  my
• 5:43
  payment
• 5:43
  history.
• 5:44
  Can
• 5:44
  you
• 5:45
  lower
• 5:45
  my
• 5:45
  interest
• 5:46
  rate?
• 5:47
  Now,
• 5:47
  they
• 5:47
  might
• 5:48
  not
• 5:48
  do
• 5:48
  that.
• 5:49
  You
• 5:49
  might
• 5:49
  look
• 5:49
  for
• 5:50
  another
• 5:50
  credit
• 5:50
  card.
• 5:51
  You
• 5:52
  can
• 5:52
  do
• 5:52
  a
• 5:52
  balance
• 5:52
  transfer.
• 5:53
  Now,
• 5:53
  I'm
• 5:53
  going
• 5:53
  to
• 5:53
  put
• 5:53
  a
• 5:53
  little
• 5:53
  caution
• 5:54
  on
• 5:54
  this.
• 5:54
  A
• 5:54
  lot
• 5:54
  of
• 5:55
  people
• 5:55
  think,
• 5:55
  well,
• 5:55
  I'm
• 5:56
  going
• 5:56
  to
• 5:56
  go
• 5:56
  get
• 5:56
  this
• 5:56
  credit
• 5:57
  card
• 5:57
  it's
• 5:57
  a
• 5:57
  0%
• 5:58
  for
• 5:58
  six
• 5:58
  months.
• 6:00
  That's
• 6:00
  fine,
• 6:01
  but
• 6:01
  only
• 6:02
  do
• 6:02
  that
• 6:02
  if
• 6:02
  it
• 6:02
  reduces
• 6:03
  interest
• 6:03
  and
• 6:04
  you
• 6:04
  stop
• 6:04
  using
• 6:05
  all
• 6:05
  your
• 6:05
  credit
• 6:06
  cards.
• 6:06
  There's
• 6:06
  a
• 6:06
  trap
• 6:06
  here.
• 6:07
  A
• 6:07
  lot
• 6:08
  of
• 6:08
  people
• 6:08
  get
• 6:08
  stuck
• 6:08
  in
• 6:08
  this
• 6:09
  trap.
• 6:10
  They
• 6:10
  go
• 6:10
  and
• 6:10
  get
• 6:10
  that
• 6:11
  next
• 6:11
  credit
• 6:11
  card
• 6:11
  with
• 6:11
  a
• 6:12
  zero
• 6:12
  percent,
• 6:12
  and
• 6:12
  next
• 6:13
  thing
• 6:13
  you
• 6:13
  know,
• 6:13
  they're
• 6:13
  charging
• 6:13
  up
• 6:14
  two
• 6:14
  credit
• 6:14
  cards
• 6:14
  now.
• 6:15
  But
• 6:16
  when
• 6:16
  you
• 6:16
  have
• 6:16
  lower
• 6:16
  interest,
• 6:17
  this
• 6:17
  is
• 6:17
  a
• 6:17
  simple
• 6:17
  math
• 6:18
  thing.
• 6:18
  The
• 6:19
  lower
• 6:19
  the
• 6:19
  interest,
• 6:20
  the
• 6:20
  faster
• 6:21
  your
• 6:21
  principal
• 6:21
  reduction,
• 6:22
  because
• 6:22
  more
• 6:22
  of
• 6:23
  your
• 6:23
  money
• 6:23
  is
• 6:23
  going
• 6:23
  to
• 6:23
  principal.
• 6:25
  Here's
• 6:25
  another
• 6:25
  key
• 6:25
  thing
• 6:26
  you
• 6:26
  can
• 6:26
  do.
• 6:27
  Attack
• 6:27
  with
• 6:27
  what
• 6:27
  I
• 6:28
  call
• 6:28
  micro
• 6:28
  boosts.
• 6:30
  If
• 6:30
  you've
• 6:30
  got
• 6:30
  irregular
• 6:31
  money,
• 6:32
  add
• 6:32
  that
• 6:32
  to
• 6:32
  the
• 6:32
  target.
• 6:34
  Right
• 6:34
  now
• 6:34
  a
• 6:34
  lot
• 6:34
  of
• 6:35
  people
• 6:35
  are
• 6:35
  getting
• 6:35
  tax
• 6:35
  refunds.
• 6:36
  Add
• 6:37
  that
• 6:37
  to
• 6:37
  the
• 6:37
  target.
• 6:37
  Maybe
• 6:38
  a
• 6:38
  bonus.
• 6:39
  Maybe
• 6:39
  you
• 6:39
  work
• 6:39
  some
• 6:40
  side
• 6:40
  income
• 6:40
  or
• 6:41
  hey,
• 6:41
  maybe
• 6:41
  you
• 6:42
  sell
• 6:42
  some
• 6:42
  unused
• 6:42
  items.
• 6:43
  When
• 6:44
  I
• 6:44
  used
• 6:44
  to
• 6:44
  work
• 6:44
  for
• 6:44
  the
• 6:45
  credit
• 6:45
  union,
• 6:45
  I
• 6:45
  would
• 6:46
  tell
• 6:46
  my
• 6:46
  collectors
• 6:46
  if
• 6:47
  they
• 6:47
  called
• 6:47
  somebody
• 6:47
  and
• 6:47
  they
• 6:48
  couldn't
• 6:48
  figure
• 6:48
  out
• 6:48
  how
• 6:48
  to
• 6:48
  pay
• 6:49
  their
• 6:49
  bill,
• 6:49
  ask
• 6:50
  them
• 6:50
  what's
• 6:50
  sitting
• 6:50
  around
• 6:51
  that
• 6:51
  they
• 6:51
  don't
• 6:51
  use.
• 6:52
  You
• 6:53
  can
• 6:53
  sell
• 6:53
  some
• 6:53
  things.
• 6:54
  Maybe
• 6:54
  you
• 6:54
  get
• 6:54
  a
• 6:54
  little
• 6:54
  side
• 6:55
  job,
• 6:55
  grab
• 6:55
  some
• 6:55
  extra
• 6:56
  time
• 6:56
  at
• 6:56
  work
• 6:56
  if
• 6:57
  you
• 6:57
  can.
• 6:57
  Because
• 6:58
  even
• 6:58
  if
• 6:58
  you
• 6:58
  can
• 6:59
  find
• 6:59
  200
• 7:00
  or
• 7:00
  $300
• 7:01
  extra,
• 7:02
  that
• 7:03
  can
• 7:03
  shave
• 7:03
  months
• 7:04
  off
• 7:04
  your
• 7:04
  timeline.
• 7:06
  And
• 7:06
  these
• 7:06
  boosts
• 7:07
  break
• 7:07
  that
• 7:07
  treadmill
• 7:08
  feeling.
• 7:10
  Here's
• 7:10
  another
• 7:10
  thing
• 7:10
  I'm
• 7:11
  going
• 7:11
  to
• 7:11
  encourage
• 7:11
  you
• 7:11
  to
• 7:11
  do.
• 7:12
  Track
• 7:13
  the
• 7:13
  principal
• 7:14
  reduction,
• 7:14
  not
• 7:15
  just
• 7:15
  the
• 7:15
  balance.
• 7:17
  Look
• 7:17
  at
• 7:17
  how
• 7:17
  much
• 7:17
  principal
• 7:18
  dropped
• 7:18
  this
• 7:18
  month.
• 7:18
  See,
• 7:19
  it's
• 7:19
  so
• 7:19
  easy
• 7:20
  to
• 7:20
  get
• 7:20
  stuck
• 7:21
  in
• 7:21
  looking
• 7:21
  at
• 7:21
  that
• 7:21
  balance.
• 7:22
  You
• 7:22
  get
• 7:22
  discouraged,
• 7:24
  feel
• 7:24
  like
• 7:24
  it's
• 7:25
  not
• 7:25
  going
• 7:25
  anywhere.
• 7:27
  Don't
• 7:27
  just
• 7:27
  look
• 7:27
  at
• 7:27
  the
• 7:27
  remaining
• 7:28
  total,
• 7:29
  look
• 7:29
  at
• 7:29
  where
• 7:29
  the
• 7:29
  principle
• 7:30
  is
• 7:30
  shrinking.
• 7:31
  Because
• 7:31
  then
• 7:31
  you're
• 7:31
  going
• 7:31
  to
• 7:31
  see
• 7:31
  your
• 7:32
  progress.
• 7:33
  And
• 7:33
  when
• 7:33
  you
• 7:34
  can
• 7:34
  live
• 7:34
  in
• 7:34
  that
• 7:34
  feeling
• 7:35
  of
• 7:35
  progress,
• 7:36
  that's
• 7:36
  going
• 7:36
  to
• 7:36
  fuel
• 7:37
  the
• 7:37
  discipline.
• 7:37
  And
• 7:38
  what
• 7:38
  I've
• 7:38
  seen
• 7:38
  people,
• 7:38
  I've
• 7:39
  seen
• 7:39
  people
• 7:39
  catch
• 7:39
  on
• 7:39
  fire
• 7:40
  doing
• 7:40
  this
• 7:41
  like
• 7:41
  once
• 7:42
  they
• 7:42
  started
• 7:42
  to
• 7:42
  see
• 7:42
  how
• 7:43
  this
• 7:43
  focused
• 7:43
  effort,
• 7:44
  that
• 7:45
  really,
• 7:45
  that
• 7:45
  focused
• 7:46
  effort
• 7:46
  creates
• 7:47
  a
• 7:47
  breakthrough.
• 7:49
  So
• 7:49
  here's
• 7:49
  your
• 7:49
  win
• 7:49
  for
• 7:50
  today.
• 7:51
  Simple
• 7:52
  thing
• 7:52
  today.
• 7:52
  If
• 7:52
  you're
• 7:53
  dealing
• 7:53
  with
• 7:53
  credit
• 7:54
  card
• 7:54
  debt,
• 7:56
  choose
• 7:56
  your
• 7:56
  target
• 7:57
  card
• 7:57
  and
• 7:57
  write
• 7:58
  it
• 7:58
  down.
• 7:58
  Put
• 7:58
  it
• 7:58
  on
• 7:58
  paper.
• 7:59
  That's
• 8:00
  the
• 8:00
  one
• 8:00
  you're
• 8:00
  going
• 8:01
  to
• 8:01
  focus
• 8:01
  in
• 8:01
  on.
• 8:02
  That's
• 8:03
  the
• 8:03
  one
• 8:03
  you're
• 8:03
  going
• 8:03
  to
• 8:03
  put
• 8:04
  in
• 8:04
  the
• 8:04
  crosshairs
• 8:06
  and
• 8:06
  all
• 8:06
  your
• 8:07
  extra
• 8:07
  money
• 8:07
  goes
• 8:08
  there.
• 8:09
  Just
• 8:09
  focus
• 8:09
  on
• 8:10
  that
• 8:10
  one
• 8:10
  thing
• 8:10
  and
• 8:10
  you'll
• 8:11
  see
• 8:11
  things
• 8:11
  happen.
• 8:12
  Because
• 8:13
  clarity
• 8:14
  will
• 8:14
  replace
• 8:14
  discouragement
• 8:15
  when
• 8:16
  you
• 8:16
  focus
• 8:16
  on
• 8:17
  one
• 8:17
  debt.
• 8:18
  Let's
• 8:19
  get
• 8:19
  into
• 8:19
  our
• 8:19
  Bible
• 8:19
  verse.
• 8:20
  This
• 8:20
  is
• 8:20
  Psalm
• 8:21
  126.
• 8:21
  5.
• 8:22
  Those
• 8:23
  who
• 8:23
  sow
• 8:23
  with
• 8:24
  tears
• 8:25
  will
• 8:25
  reap
• 8:26
  with
• 8:26
  songs
• 8:27
  of
• 8:27
  joy.
• 8:28
  And
• 8:29
  I
• 8:29
  just
• 8:29
  love
• 8:29
  this.
• 8:29
  It's
• 8:30
  such
• 8:30
  an
• 8:30
  encouraging
• 8:30
  Bible
• 8:31
  verse
• 8:31
  today,
• 8:31
  isn't
• 8:31
  it?
• 8:32
  Because
• 8:33
  what
• 8:33
  it's
• 8:33
  telling
• 8:33
  us
• 8:33
  is
• 8:34
  being
• 8:34
  consistent,
• 8:36
  sometimes
• 8:37
  painful
• 8:37
  effort.
• 8:38
  Think
• 8:38
  about
• 8:39
  sowing
• 8:39
  with
• 8:39
  tears.
• 8:41
  But
• 8:41
  that
• 8:42
  that
• 8:42
  painful
• 8:42
  effort
• 8:43
  produces
• 8:44
  real
• 8:44
  breakthrough
• 8:44
  over
• 8:45
  time.
• 8:46
  You
• 8:47
  didn't
• 8:47
  make
• 8:47
  this
• 8:47
  credit
• 8:47
  card
• 8:48
  debt
• 8:48
  overnight.
• 8:48
  You're
• 8:48
  not
• 8:49
  going
• 8:49
  to
• 8:49
  solve
• 8:49
  it
• 8:49
  overnight.
• 8:51
  But
• 8:51
  being
• 8:51
  consistent,
• 8:52
  sowing
• 8:53
  with
• 8:53
  tears,
• 8:54
  I
• 8:55
  promise
• 8:55
  you,
• 8:56
  you
• 8:56
  will
• 8:56
  reap
• 8:56
  songs
• 8:57
  of
• 8:57
  joy.
• 8:58
  How
• 8:58
  about
• 8:58
  we
• 8:59
  pray
• 8:59
  together
• 8:59
  right
• 8:59
  now,
• 9:00
  Lord?
• 9:01
  You
• 9:02
  see
• 9:02
  the
• 9:02
  discouragement
• 9:03
  my
• 9:03
  friend
• 9:03
  feels.
• 9:04
  You
• 9:04
  heard
• 9:04
  it
• 9:04
  in
• 9:04
  their
• 9:04
  voice
• 9:05
  today.
• 9:06
  They're
• 9:06
  trying,
• 9:07
  they're
• 9:08
  paying,
• 9:09
  but
• 9:09
  they're
• 9:10
  still
• 9:10
  tired.
• 9:11
  So,
• 9:12
  Lord,
• 9:12
  right
• 9:12
  at
• 9:12
  this
• 9:12
  very
• 9:13
  moment,
• 9:13
  I
• 9:13
  ask
• 9:13
  that
• 9:13
  you
• 9:14
  would
• 9:14
  help
• 9:14
  them
• 9:14
  renew
• 9:15
  their
• 9:15
  focus.
• 9:17
  Give
• 9:17
  them
• 9:17
  a
• 9:17
  strategy,
• 9:18
  Lord,
• 9:18
  and
• 9:19
  give
• 9:19
  them
• 9:19
  patience
• 9:19
  to
• 9:20
  stay
• 9:20
  consistent.
• 9:22
  Turn
• 9:22
  those
• 9:23
  tears
• 9:23
  into
• 9:23
  progress,
• 9:24
  Lord,
• 9:24
  and
• 9:25
  turn
• 9:25
  progress
• 9:25
  into
• 9:26
  momentum
• 9:27
  and
• 9:28
  let
• 9:28
  that
• 9:28
  momentum
• 9:29
  lead
• 9:29
  into
• 9:29
  freedom.
• 9:30
  And
• 9:31
  we
• 9:31
  ask
• 9:31
  this
• 9:31
  in
• 9:32
  Jesus
• 9:32
  name.
• 9:33
  Amen.
• 9:35
  Friend,
• 9:35
  I
• 9:36
  want
• 9:36
  to
• 9:36
  encourage
• 9:36
  you
• 9:36
  right
• 9:37
  now.
• 9:38
  You're
• 9:38
  not
• 9:38
  stuck.
• 9:39
  You
• 9:40
  just
• 9:40
  need
• 9:40
  some
• 9:41
  focused
• 9:41
  pressure.
• 9:43
  And
• 9:43
  if
• 9:43
  you're
• 9:43
  ready
• 9:44
  to
• 9:44
  stop
• 9:44
  feeling
• 9:44
  stuck
• 9:45
  and
• 9:45
  start
• 9:45
  seeing
• 9:46
  real
• 9:46
  progress
• 9:46
  yourself,
• 9:47
  I
• 9:47
  want
• 9:48
  to
• 9:48
  encourage
• 9:48
  you
• 9:48
  to
• 9:48
  head
• 9:48
  to
• 9:49
  financiallyconfidentchristian.com/voicemail
• 9:53
  and
• 9:53
  leave
• 9:54
  your
• 9:54
  question
• 9:54
  for
• 9:54
  me.
• 9:55
  You
• 9:55
  saw
• 9:55
  how
• 9:55
  it
• 9:55
  works
• 9:55
  today.
• 9:56
  It
• 9:56
  was
• 9:56
  super
• 9:56
  simple.
• 9:57
  I
• 9:58
  love
• 9:58
  listening
• 9:58
  to
• 9:58
  your
• 9:58
  voice.
• 9:59
  I
• 9:59
  want
• 9:59
  to
• 9:59
  hear.
• 9:59
  And
• 9:59
  it
• 9:59
  doesn't
• 10:00
  just
• 10:00
  have
• 10:00
  to
• 10:00
  be
• 10:00
  a
• 10:00
  question.
• 10:01
  Maybe
• 10:02
  you've
• 10:02
  got
• 10:02
  a
• 10:02
  struggle
• 10:02
  you're
• 10:03
  going
• 10:03
  through
• 10:03
  or
• 10:03
  hey,
• 10:04
  maybe
• 10:04
  you
• 10:04
  have
• 10:04
  a
• 10:05
  way
• 10:05
  to
• 10:05
  solve
• 10:05
  things
• 10:05
  as
• 10:06
  a
• 10:06
  triumph
• 10:06
  that
• 10:06
  you
• 10:06
  have.
• 10:07
  I
• 10:07
  would
• 10:07
  love
• 10:07
  to
• 10:07
  do
• 10:07
  a
• 10:07
  show
• 10:08
  about
• 10:08
  triumphs,
• 10:09
  things
• 10:09
  that
• 10:10
  are
• 10:10
  working
• 10:10
  for
• 10:11
  you.
• 10:12
  So
• 10:12
  go
• 10:12
  to
• 10:13
  financiallyconfidentchristian.com/voicemail
• 10:17
  and
• 10:18
  leave
• 10:18
  me
• 10:18
  a
• 10:18
  voicemail
• 10:19
  message.
• 10:19
  I
• 10:19
  can't
• 10:19
  wait
• 10:19
  to
• 10:19
  hear
• 10:20
  your
• 10:20
  voice
• 10:20
  and
• 10:20
  you
• 10:20
  might
• 10:20
  be
• 10:21
  featured
• 10:21
  on
• 10:21
  a
• 10:21
  future
• 10:21
  episode.
• 10:22
  Well,
• 10:23
  thank
• 10:23
  you
• 10:23
  so
• 10:23
  much
• 10:23
  for
• 10:24
  joining
• 10:24
  me
• 10:24
  today.
• 10:25
  I
• 10:25
  always
• 10:26
  say
• 10:26
  stay
• 10:26
  financially
• 10:27
  savvy
• 10:28
  because
• 10:28
  I
• 10:28
  want
• 10:29
  you
• 10:29
  to
• 10:29
  be
• 10:29
  financially
• 10:30
  savvy
• 10:30
  and
• 10:30
  financially
• 10:31
  confident.
• 10:31
  May
• 10:31
  God
• 10:32
  bless
• 10:32
  you
• 10:33
  and
• 10:33
  you
• 10:33
  have
• 10:33
  a
• 10:34
  great
• 10:34
  day
• 10:34
  today.