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How Do I Stop Hating Myself for My Money Mistakes? · Becoming Financially Confident

• 0:37
  There
• 0:37
  is
• 0:37
  a
• 0:38
  specific
• 0:38
  kind
• 0:38
  of
• 0:38
  heaviness
• 0:39
  that
• 0:39
  wakes
• 0:39
  you
• 0:39
  up
• 0:39
  at
• 0:40
  3am
• 0:41
  it's
• 0:42
  not
• 0:42
  just
• 0:42
  worry
• 0:42
  about
• 0:42
  bills.
• 0:44
  It's
• 0:44
  a
• 0:44
  deep,
• 0:44
  gut
• 0:45
  wrenching
• 0:45
  feeling
• 0:46
  that
• 0:46
  you're
• 0:46
  a
• 0:46
  failure.
• 0:48
  And
• 0:48
  you
• 0:48
  look
• 0:48
  in
• 0:49
  the
• 0:49
  mirror
• 0:49
  and
• 0:49
  you
• 0:49
  think
• 0:49
  to
• 0:50
  yourself,
• 0:51
  how
• 0:51
  could
• 0:51
  I
• 0:51
  have
• 0:52
  been
• 0:52
  so
• 0:52
  stupid?
• 0:54
  So
• 0:54
  today,
• 0:55
  if
• 0:55
  you're
• 0:55
  trapped
• 0:55
  in
• 0:56
  a
• 0:56
  cycle
• 0:56
  of
• 0:56
  self
• 0:57
  hatred
• 0:57
  because
• 0:57
  of
• 0:57
  past
• 0:58
  financial
• 0:58
  decisions,
• 1:00
  listening
• 1:00
  to
• 1:00
  today's
• 1:01
  episode
• 1:01
  might
• 1:02
  be
• 1:02
  the
• 1:02
  most
• 1:02
  important
• 1:03
  thing
• 1:03
  you
• 1:03
  do.
• 1:04
  It's
• 1:05
  time
• 1:05
  to
• 1:05
  stop
• 1:05
  punishing
• 1:06
  yourself
• 1:06
  for
• 1:06
  a
• 1:07
  debt
• 1:07
  that
• 1:07
  Jesus
• 1:08
  has
• 1:09
  already
• 1:09
  paid.
• 1:31
  Hey
• 1:31
  friend.
• 1:31
  Ralph
• 1:32
  Estep
• 1:32
  Jr.
• 1:33
  Here.
• 1:33
  Welcome
• 1:34
  to
• 1:34
  Financially
• 1:34
  Confident
• 1:35
  Christian,
• 1:36
  where
• 1:36
  every
• 1:36
  day
• 1:37
  we
• 1:37
  work
• 1:37
  to
• 1:37
  break
• 1:37
  that
• 1:38
  cycle
• 1:38
  of
• 1:38
  financial
• 1:39
  shame
• 1:40
  and
• 1:40
  do
• 1:40
  it
• 1:40
  with
• 1:40
  confidence.
• 1:42
  And
• 1:42
  today's
• 1:43
  topic
• 1:44
  is
• 1:44
  Overcoming
• 1:45
  the
• 1:45
  Crushing
• 1:45
  Weight
• 1:46
  of
• 1:46
  regret
• 1:48
  at
• 1:48
  53
• 1:48
  years
• 1:49
  old,
• 1:49
  man,
• 1:50
  I
• 1:50
  got
• 1:50
  pages
• 1:50
  and
• 1:51
  pages
• 1:51
  of
• 1:51
  regrets.
• 1:53
  Let's
• 1:53
  get
• 1:53
  right
• 1:53
  to
• 1:53
  our
• 1:54
  listener
• 1:54
  question.
• 1:55
  They
• 1:56
  wrote
• 1:56
  this,
• 1:56
  Ralph
• 1:57
  I'm
• 1:57
  drowning
• 1:58
  in
• 1:58
  shame
• 1:58
  over
• 1:59
  my
• 1:59
  money
• 1:59
  mistakes.
• 2:01
  I
• 2:01
  pray
• 2:01
  about
• 2:01
  it.
• 2:02
  I
• 2:02
  know
• 2:03
  God
• 2:03
  forgives
• 2:03
  me,
• 2:04
  but
• 2:04
  I
• 2:05
  can't
• 2:05
  forgive
• 2:05
  myself.
• 2:07
  Every
• 2:07
  time
• 2:08
  I
• 2:08
  look
• 2:08
  at
• 2:08
  my
• 2:08
  bank
• 2:08
  account,
• 2:09
  I
• 2:09
  want
• 2:09
  to
• 2:09
  cry.
• 2:11
  How
• 2:11
  do
• 2:11
  I
• 2:11
  stop
• 2:12
  hating
• 2:12
  myself
• 2:12
  for
• 2:13
  what
• 2:13
  I
• 2:13
  did
• 2:13
  and
• 2:13
  actually
• 2:14
  start
• 2:14
  over?
• 2:16
  I'm
• 2:17
  stuck
• 2:18
  and
• 2:18
  I
• 2:18
  don't
• 2:18
  know
• 2:19
  how
• 2:19
  to
• 2:19
  break
• 2:19
  free.
• 2:22
  What
• 2:22
  a
• 2:22
  great
• 2:22
  question.
• 2:24
  First
• 2:24
  thing
• 2:24
  I'm
• 2:25
  going
• 2:25
  to
• 2:25
  tell
• 2:25
  you
• 2:25
  right
• 2:25
  now,
• 2:26
  you're
• 2:26
  not
• 2:26
  alone
• 2:27
  in
• 2:27
  feeling
• 2:27
  that
• 2:28
  way.
• 2:29
  Guess
• 2:30
  what?
• 2:31
  We've
• 2:31
  all
• 2:32
  made
• 2:32
  mistakes.
• 2:34
  Even
• 2:34
  me.
• 2:35
  I've
• 2:35
  made
• 2:35
  mistakes.
• 2:37
  I
• 2:37
  have
• 2:37
  a
• 2:37
  master's
• 2:38
  degree
• 2:38
  in
• 2:38
  business.
• 2:40
  I've
• 2:40
  made
• 2:40
  financial
• 2:41
  mistakes.
• 2:43
  So
• 2:43
  here's
• 2:44
  the
• 2:44
  big
• 2:44
  takeaway
• 2:44
  for
• 2:44
  today.
• 2:45
  Right
• 2:45
  from
• 2:45
  the
• 2:45
  beginning.
• 2:47
  You
• 2:47
  don't
• 2:47
  heal
• 2:47
  money
• 2:48
  shame
• 2:48
  by
• 2:48
  punishing
• 2:49
  yourself.
• 2:50
  That's
• 2:51
  not
• 2:51
  going
• 2:51
  to
• 2:51
  get
• 2:51
  you
• 2:51
  anywhere.
• 2:52
  Self
• 2:52
  punishment
• 2:53
  is
• 2:53
  not
• 2:54
  going
• 2:54
  to
• 2:54
  fix
• 2:54
  this.
• 2:56
  What
• 2:56
  does
• 2:56
  fix
• 2:57
  it,
• 2:57
  what
• 2:57
  heals
• 2:58
  it
• 2:58
  is
• 2:58
  when
• 2:58
  you
• 2:58
  receive
• 2:59
  grace
• 2:59
  and
• 3:00
  taking
• 3:00
  one
• 3:01
  next
• 3:01
  step.
• 3:04
  So
• 3:04
  let
• 3:04
  me
• 3:04
  tell
• 3:04
  you
• 3:04
  about
• 3:05
  my
• 3:05
  mistakes.
• 3:07
  Like
• 3:07
  I
• 3:07
  said,
• 3:08
  I'm
• 3:08
  a
• 3:08
  financial
• 3:08
  expert.
• 3:10
  People
• 3:10
  come
• 3:10
  to
• 3:11
  me
• 3:11
  with
• 3:12
  massive
• 3:13
  financial
• 3:13
  concerns
• 3:14
  and
• 3:14
  issues.
• 3:16
  And
• 3:16
  you
• 3:16
  know
• 3:17
  what?
• 3:18
  I'm
• 3:18
  still
• 3:18
  battling
• 3:19
  past
• 3:19
  mistakes.
• 3:20
  I'll
• 3:21
  share
• 3:21
  one
• 3:21
  with
• 3:21
  you
• 3:21
  right
• 3:21
  now.
• 3:22
  That's
• 3:22
  not
• 3:22
  an
• 3:22
  easy
• 3:23
  one
• 3:23
  to
• 3:23
  talk
• 3:23
  about.
• 3:24
  I'm
• 3:25
  53
• 3:25
  years
• 3:26
  old.
• 3:27
  Looking
• 3:27
  back
• 3:27
  at
• 3:28
  it
• 3:28
  now,
• 3:28
  my
• 3:28
  wife
• 3:28
  gives
• 3:29
  me
• 3:29
  a
• 3:29
  hard
• 3:29
  time
• 3:29
  about
• 3:29
  to
• 3:30
  this
• 3:30
  day.
• 3:32
  When
• 3:32
  I
• 3:32
  was
• 3:32
  younger,
• 3:32
  when
• 3:33
  I
• 3:33
  first
• 3:33
  started
• 3:33
  working,
• 3:33
  I
• 3:34
  should
• 3:34
  have
• 3:34
  done
• 3:34
  a
• 3:34
  lot
• 3:35
  more
• 3:35
  about
• 3:35
  putting
• 3:35
  away
• 3:36
  for
• 3:36
  retirement.
• 3:37
  But
• 3:37
  I
• 3:38
  didn't
• 3:38
  do
• 3:38
  that.
• 3:39
  In
• 3:39
  fact,
• 3:39
  I
• 3:40
  didn't
• 3:40
  do
• 3:40
  that
• 3:40
  till
• 3:40
  about
• 3:41
  five
• 3:41
  years
• 3:41
  ago.
• 3:42
  And
• 3:43
  I
• 3:43
  looked
• 3:43
  around,
• 3:43
  people
• 3:44
  were
• 3:44
  coming
• 3:44
  into
• 3:44
  me
• 3:45
  and
• 3:45
  they
• 3:45
  were
• 3:45
  showing
• 3:46
  me
• 3:46
  the
• 3:46
  beautiful
• 3:47
  amount
• 3:47
  they
• 3:47
  have
• 3:48
  in
• 3:48
  their
• 3:48
  retirement
• 3:49
  account
• 3:49
  and
• 3:49
  how
• 3:50
  their
• 3:50
  house
• 3:50
  was
• 3:50
  almost
• 3:51
  paid
• 3:51
  off
• 3:52
  and
• 3:52
  they
• 3:52
  had
• 3:52
  all
• 3:52
  this
• 3:53
  investment
• 3:53
  portfolio.
• 3:56
  And
• 3:56
  I
• 3:56
  got
• 3:56
  to
• 3:56
  be
• 3:56
  honest
• 3:57
  with
• 3:57
  you,
• 3:58
  it
• 3:58
  made
• 3:58
  me
• 3:59
  feel
• 3:59
  shame.
• 4:01
  It
• 4:01
  made
• 4:01
  me
• 4:01
  feel,
• 4:02
  wait
• 4:02
  a
• 4:02
  second,
• 4:02
  I'm
• 4:03
  helping
• 4:03
  these
• 4:03
  people
• 4:04
  get
• 4:04
  to
• 4:04
  where
• 4:04
  they
• 4:04
  need
• 4:04
  to
• 4:05
  get
• 4:05
  to.
• 4:05
  But
• 4:05
  man,
• 4:05
  I'm
• 4:06
  not
• 4:06
  taking
• 4:06
  my
• 4:06
  own
• 4:06
  advice.
• 4:09
  And
• 4:09
  as
• 4:09
  the
• 4:09
  shame
• 4:10
  built,
• 4:10
  you
• 4:10
  know
• 4:10
  what
• 4:10
  I
• 4:11
  did,
• 4:11
  I
• 4:11
  didn't
• 4:11
  respond
• 4:12
  well.
• 4:13
  Instead
• 4:13
  of
• 4:14
  saying,
• 4:14
  you
• 4:14
  know
• 4:14
  what,
• 4:14
  I
• 4:14
  can
• 4:14
  learn
• 4:14
  from
• 4:15
  this,
• 4:15
  here's
• 4:16
  what
• 4:16
  I
• 4:16
  can
• 4:16
  do.
• 4:16
  I
• 4:17
  just
• 4:17
  wallowed
• 4:18
  in
• 4:18
  my
• 4:18
  own
• 4:18
  self
• 4:19
  pity
• 4:19
  and
• 4:19
  shame.
• 4:21
  And
• 4:22
  where
• 4:22
  did
• 4:22
  it
• 4:22
  get
• 4:22
  me?
• 4:23
  It
• 4:23
  finally
• 4:23
  was
• 4:23
  a
• 4:23
  wake
• 4:24
  up
• 4:24
  call.
• 4:25
  I
• 4:25
  never
• 4:25
  forget.
• 4:26
  One
• 4:26
  day
• 4:26
  my
• 4:26
  wife
• 4:26
  says,
• 4:26
  ralph,
• 4:27
  she
• 4:27
  said,
• 4:28
  I
• 4:28
  love
• 4:29
  you,
• 4:29
  but
• 4:29
  man,
• 4:29
  we've
• 4:29
  got
• 4:30
  to
• 4:30
  start
• 4:30
  thinking
• 4:30
  about
• 4:30
  retirement.
• 4:33
  And
• 4:33
  I'm
• 4:33
  thinking,
• 4:33
  yeah,
• 4:34
  I'm
• 4:34
  never
• 4:34
  going
• 4:34
  to
• 4:34
  get
• 4:34
  old.
• 4:36
  I'm
• 4:36
  never
• 4:36
  going
• 4:36
  to
• 4:36
  retire.
• 4:39
  But
• 4:39
  I
• 4:39
  had
• 4:39
  to
• 4:40
  stop
• 4:40
  living
• 4:40
  in
• 4:40
  that
• 4:40
  shame
• 4:41
  and
• 4:41
  just
• 4:41
  face
• 4:41
  it.
• 4:42
  I
• 4:43
  had
• 4:43
  to
• 4:43
  stand
• 4:43
  up
• 4:43
  and
• 4:43
  say,
• 4:43
  you
• 4:43
  know
• 4:44
  what?
• 4:44
  I've
• 4:44
  got
• 4:44
  to
• 4:44
  start
• 4:45
  sacrificing
• 4:46
  today
• 4:46
  to
• 4:47
  have
• 4:47
  a
• 4:47
  better
• 4:47
  tomorrow.
• 4:49
  Now
• 4:49
  I
• 4:49
  could
• 4:49
  have
• 4:49
  easily
• 4:50
  said,
• 4:50
  you
• 4:50
  know
• 4:50
  what?
• 4:50
  I'm
• 4:50
  just
• 4:50
  going
• 4:51
  to
• 4:51
  neglect
• 4:51
  it.
• 4:51
  I'm
• 4:51
  just
• 4:51
  going
• 4:51
  to
• 4:52
  ignore
• 4:52
  it.
• 4:52
  I'm
• 4:52
  going
• 4:52
  to
• 4:52
  stay
• 4:53
  in
• 4:53
  that
• 4:53
  shame.
• 4:55
  But
• 4:55
  I
• 4:55
  made
• 4:55
  a
• 4:56
  decision
• 4:56
  and
• 4:56
  you've
• 4:56
  got
• 4:56
  to
• 4:56
  start
• 4:57
  there.
• 4:57
  You've
• 4:57
  got
• 4:57
  to
• 4:57
  learn
• 4:58
  the
• 4:58
  difference
• 4:58
  today
• 4:58
  between
• 4:59
  conviction
• 5:00
  and
• 5:00
  condemnation.
• 5:01
  We
• 5:01
  talked
• 5:02
  about
• 5:02
  this
• 5:02
  the
• 5:02
  other
• 5:02
  day
• 5:02
  with
• 5:03
  my
• 5:03
  mom's
• 5:03
  holy
• 5:03
  underwear.
• 5:05
  But
• 5:05
  it's
• 5:05
  so
• 5:06
  appropriate
• 5:06
  for
• 5:06
  what
• 5:07
  we're
• 5:07
  talking
• 5:07
  about
• 5:07
  today.
• 5:09
  Because
• 5:09
  conviction
• 5:10
  is
• 5:10
  a
• 5:10
  good
• 5:10
  thing.
• 5:12
  Christian
• 5:12
  conviction
• 5:13
  is
• 5:13
  a
• 5:13
  beautiful
• 5:14
  thing.
• 5:14
  It's
• 5:14
  a
• 5:14
  gift
• 5:15
  of
• 5:15
  the
• 5:15
  Holy
• 5:15
  Spirit.
• 5:16
  But
• 5:17
  condemnation
• 5:18
  isn't
• 5:19
  going
• 5:19
  to
• 5:19
  help
• 5:19
  you.
• 5:20
  Here's
• 5:21
  what
• 5:21
  conviction
• 5:22
  says.
• 5:23
  Conviction
• 5:23
  says
• 5:24
  the
• 5:24
  choice
• 5:24
  was
• 5:24
  wrong.
• 5:26
  When
• 5:26
  I
• 5:26
  think
• 5:26
  back
• 5:27
  to
• 5:27
  my
• 5:27
  choices
• 5:28
  to
• 5:28
  not
• 5:28
  set
• 5:28
  aside
• 5:29
  for
• 5:29
  retirement,
• 5:30
  conviction
• 5:31
  tells
• 5:31
  me,
• 5:32
  ralph,
• 5:33
  that
• 5:33
  was
• 5:33
  a
• 5:33
  wrong
• 5:33
  choice.
• 5:34
  You
• 5:35
  could
• 5:35
  have
• 5:35
  sacrificed
• 5:36
  a
• 5:36
  little
• 5:36
  bit.
• 5:37
  But
• 5:37
  what
• 5:37
  did
• 5:37
  it
• 5:38
  say
• 5:38
  to
• 5:38
  me?
• 5:38
  Say,
• 5:38
  come
• 5:38
  back
• 5:39
  here,
• 5:40
  change
• 5:40
  the
• 5:40
  direction.
• 5:42
  See,
• 5:42
  that's
• 5:42
  positive
• 5:43
  things.
• 5:44
  That's
• 5:44
  positive
• 5:45
  conviction.
• 5:45
  But
• 5:46
  condemnation
• 5:46
  would
• 5:46
  say
• 5:47
  something
• 5:47
  else.
• 5:49
  And
• 5:49
  this
• 5:49
  may
• 5:49
  hurt
• 5:49
  a
• 5:50
  little
• 5:50
  bit.
• 5:50
  But
• 5:51
  condemnation
• 5:51
  says
• 5:52
  you
• 5:52
  are
• 5:52
  wrong
• 5:53
  and
• 5:53
  you're
• 5:53
  worthless.
• 5:56
  If
• 5:56
  I'm
• 5:57
  being
• 5:57
  100%
• 5:57
  candid
• 5:58
  with
• 5:58
  you,
• 5:59
  I
• 5:59
  felt
• 6:00
  condemnation.
• 6:02
  I
• 6:03
  felt
• 6:03
  that.
• 6:03
  And
• 6:03
  listen,
• 6:04
  I
• 6:04
  don't
• 6:04
  think
• 6:04
  my
• 6:04
  wife
• 6:05
  intended
• 6:05
  it,
• 6:05
  but
• 6:06
  she
• 6:06
  condemned
• 6:06
  me.
• 6:09
  Ralph,
• 6:09
  you
• 6:09
  should
• 6:09
  have
• 6:10
  done
• 6:10
  this.
• 6:10
  Remember,
• 6:10
  we
• 6:11
  talked
• 6:11
  about
• 6:11
  this
• 6:11
  the
• 6:11
  other
• 6:11
  day?
• 6:12
  You
• 6:12
  should
• 6:12
  have.
• 6:13
  Now,
• 6:13
  I
• 6:14
  can
• 6:14
  go
• 6:14
  back
• 6:14
  and
• 6:14
  look
• 6:14
  at
• 6:15
  it
• 6:15
  now
• 6:15
  and
• 6:15
  see
• 6:15
  that
• 6:15
  it
• 6:16
  was
• 6:16
  a
• 6:16
  safety
• 6:16
  thing.
• 6:16
  She's
• 6:17
  worried
• 6:17
  about
• 6:17
  her
• 6:17
  future.
• 6:18
  She's
• 6:18
  worried
• 6:18
  about
• 6:19
  our
• 6:19
  safety.
• 6:21
  But
• 6:21
  that
• 6:21
  condemnation
• 6:23
  didn't
• 6:23
  work.
• 6:23
  It
• 6:24
  made
• 6:24
  me
• 6:24
  feel
• 6:24
  worthless.
• 6:26
  But
• 6:26
  that's
• 6:26
  not
• 6:26
  how
• 6:27
  God
• 6:27
  operates.
• 6:27
  He,
• 6:28
  God
• 6:28
  corrects
• 6:29
  us
• 6:29
  to
• 6:30
  restore.
• 6:32
  God
• 6:32
  wants
• 6:33
  to
• 6:33
  Convict
• 6:34
  us
• 6:34
  to
• 6:34
  restore,
• 6:35
  to
• 6:35
  help
• 6:35
  us
• 6:35
  get
• 6:36
  to
• 6:36
  where
• 6:36
  we
• 6:36
  need
• 6:36
  to
• 6:36
  go.
• 6:36
  But
• 6:37
  the
• 6:37
  enemy,
• 6:39
  he
• 6:39
  accuses
• 6:39
  us
• 6:40
  to
• 6:40
  destroy
• 6:40
  us.
• 6:40
  See,
• 6:41
  there's
• 6:41
  the
• 6:41
  difference.
• 6:42
  So
• 6:42
  understand
• 6:42
  the
• 6:43
  difference.
• 6:43
  And
• 6:43
  the
• 6:44
  next
• 6:44
  thing,
• 6:44
  you've
• 6:44
  got
• 6:44
  to
• 6:44
  separate
• 6:45
  your
• 6:45
  net
• 6:45
  worth
• 6:46
  from
• 6:46
  your
• 6:47
  self
• 6:47
  worth.
• 6:48
  We
• 6:48
  live
• 6:49
  in
• 6:49
  a
• 6:49
  society
• 6:49
  right
• 6:49
  now
• 6:50
  where
• 6:50
  people's
• 6:51
  bank
• 6:51
  balance
• 6:52
  measure
• 6:52
  their
• 6:53
  assets
• 6:53
  is
• 6:53
  what
• 6:54
  they
• 6:54
  think
• 6:54
  their
• 6:54
  value
• 6:55
  is.
• 6:57
  But
• 6:57
  I'm
• 6:57
  going
• 6:57
  to
• 6:57
  let
• 6:57
  you
• 6:57
  in
• 6:58
  a
• 6:58
  little
• 6:58
  secret.
• 6:59
  That's
• 7:00
  not
• 7:00
  how
• 7:00
  God
• 7:00
  sees
• 7:01
  your
• 7:01
  value.
• 7:02
  God
• 7:03
  doesn't
• 7:03
  care
• 7:03
  what's
• 7:04
  in
• 7:04
  your
• 7:04
  bank
• 7:04
  account.
• 7:04
  I'm
• 7:05
  not
• 7:05
  saying
• 7:06
  don't
• 7:06
  give
• 7:07
  stewardship
• 7:08
  what
• 7:08
  you're
• 7:08
  supposed
• 7:09
  to
• 7:09
  do
• 7:09
  with
• 7:09
  your
• 7:09
  money.
• 7:09
  But
• 7:09
  think
• 7:10
  about
• 7:10
  this.
• 7:11
  God
• 7:12
  was
• 7:12
  so
• 7:13
  worried
• 7:13
  about
• 7:13
  you,
• 7:13
  you
• 7:13
  were
• 7:13
  worth
• 7:14
  dying
• 7:14
  for.
• 7:16
  He
• 7:17
  died
• 7:17
  for
• 7:17
  you
• 7:17
  before
• 7:18
  you
• 7:18
  ever
• 7:19
  fixed
• 7:19
  anything.
• 7:20
  You
• 7:20
  were
• 7:20
  lost
• 7:21
  in
• 7:21
  your
• 7:21
  sins.
• 7:22
  You
• 7:22
  were
• 7:23
  lost
• 7:24
  and
• 7:24
  God
• 7:24
  died
• 7:25
  for
• 7:25
  you
• 7:25
  before
• 7:25
  he
• 7:26
  fixed
• 7:26
  you.
• 7:29
  Stop
• 7:29
  living
• 7:29
  in
• 7:29
  shame.
• 7:30
  This
• 7:30
  is
• 7:30
  a
• 7:30
  money
• 7:31
  problem,
• 7:32
  not
• 7:32
  a
• 7:32
  personal
• 7:33
  problem.
• 7:35
  You
• 7:35
  got
• 7:35
  to
• 7:36
  accept
• 7:36
  the
• 7:36
  truth.
• 7:37
  And
• 7:37
  I
• 7:37
  had
• 7:38
  to
• 7:38
  accept
• 7:38
  this
• 7:39
  truth.
• 7:39
  That
• 7:39
  self
• 7:40
  hatred
• 7:42
  didn't
• 7:42
  put
• 7:43
  $1
• 7:43
  back
• 7:44
  into
• 7:44
  anything
• 7:45
  I
• 7:45
  was
• 7:45
  trying
• 7:45
  to
• 7:45
  do.
• 7:46
  It
• 7:47
  didn't
• 7:47
  help
• 7:47
  put
• 7:47
  money
• 7:48
  for
• 7:48
  retirement.
• 7:48
  It
• 7:49
  didn't
• 7:49
  solve
• 7:49
  that
• 7:49
  relationship,
• 7:50
  my
• 7:50
  wife,
• 7:50
  it
• 7:51
  did
• 7:51
  nothing.
• 7:51
  Except
• 7:52
  for
• 7:52
  made
• 7:52
  me
• 7:52
  wallow
• 7:53
  in
• 7:53
  my
• 7:53
  own
• 7:54
  self
• 7:54
  hatred.
• 7:55
  And
• 7:56
  see,
• 7:56
  for
• 7:56
  a
• 7:56
  lot
• 7:56
  of
• 7:56
  us,
• 7:57
  I'm
• 7:58
  gonna
• 7:58
  step
• 7:58
  on
• 7:58
  some
• 7:58
  toes
• 7:58
  now.
• 7:59
  Step
• 7:59
  on
• 7:59
  my
• 7:59
  own
• 7:59
  toes
• 8:00
  as
• 8:00
  well.
• 8:01
  Shame
• 8:01
  feels
• 8:01
  like
• 8:01
  penance.
• 8:03
  Well,
• 8:03
  I'm
• 8:03
  gonna
• 8:04
  live
• 8:04
  in
• 8:04
  shame
• 8:04
  because
• 8:05
  I'm
• 8:05
  gonna
• 8:05
  take
• 8:06
  penance
• 8:06
  for
• 8:06
  what
• 8:06
  I
• 8:07
  did.
• 8:08
  Some
• 8:08
  religions,
• 8:08
  they
• 8:08
  believe
• 8:09
  in
• 8:09
  penance.
• 8:09
  I'm
• 8:10
  not
• 8:10
  a
• 8:10
  believer
• 8:10
  in
• 8:10
  penance,
• 8:12
  but
• 8:12
  living
• 8:12
  in
• 8:13
  penance
• 8:13
  produces
• 8:14
  zero
• 8:14
  progress.
• 8:16
  You
• 8:17
  know
• 8:17
  what
• 8:17
  it
• 8:17
  does?
• 8:17
  It
• 8:17
  drains
• 8:18
  the
• 8:18
  strength
• 8:18
  you
• 8:18
  need
• 8:19
  to
• 8:19
  actually
• 8:19
  do
• 8:19
  something
• 8:20
  about
• 8:20
  the
• 8:20
  situation.
• 8:21
  All
• 8:21
  those
• 8:22
  months
• 8:22
  and
• 8:23
  those,
• 8:23
  dare
• 8:23
  I
• 8:23
  say,
• 8:24
  years
• 8:24
  of
• 8:25
  hating
• 8:25
  myself
• 8:26
  fixed
• 8:27
  nothing.
• 8:29
  It
• 8:30
  just
• 8:30
  took
• 8:30
  away
• 8:30
  my
• 8:31
  strength
• 8:31
  to
• 8:31
  actually
• 8:31
  do
• 8:32
  something.
• 8:34
  So
• 8:34
  you've
• 8:34
  got
• 8:34
  to
• 8:35
  accept
• 8:35
  this
• 8:35
  hard
• 8:35
  truth.
• 8:36
  If
• 8:36
  God
• 8:37
  forgave
• 8:37
  you,
• 8:39
  I
• 8:40
  got
• 8:40
  great
• 8:40
  news
• 8:40
  for
• 8:41
  you.
• 8:41
  God
• 8:41
  is
• 8:41
  ready
• 8:42
  to
• 8:42
  forgive
• 8:42
  you.
• 8:42
  God
• 8:42
  has
• 8:43
  forgiven
• 8:43
  you.
• 8:44
  If
• 8:44
  you
• 8:44
  refuse
• 8:45
  to
• 8:45
  forgive
• 8:45
  yourself,
• 8:47
  that's
• 8:47
  just
• 8:47
  pride.
• 8:49
  And
• 8:50
  I
• 8:50
  know
• 8:50
  that
• 8:50
  sounds
• 8:51
  harsh,
• 8:53
  but
• 8:53
  sometimes
• 8:53
  you
• 8:54
  need
• 8:54
  a
• 8:54
  little
• 8:54
  harshness.
• 8:54
  You
• 8:55
  need
• 8:55
  a
• 8:55
  little
• 8:55
  love.
• 8:55
  I
• 8:55
  love
• 8:56
  you.
• 8:56
  If
• 8:56
  you're
• 8:56
  listening
• 8:56
  right
• 8:56
  now,
• 8:57
  I
• 8:57
  love
• 8:57
  you.
• 8:59
  I
• 8:59
  know
• 8:59
  it
• 9:00
  sounds
• 9:00
  harsh,
• 9:00
  but
• 9:00
  that
• 9:01
  is
• 9:01
  freeing.
• 9:01
  If
• 9:02
  God
• 9:02
  forgave
• 9:03
  you,
• 9:03
  refusing
• 9:04
  to
• 9:04
  forgive
• 9:05
  yourself
• 9:05
  is
• 9:05
  just
• 9:06
  pride.
• 9:06
  Are
• 9:06
  you
• 9:07
  saying
• 9:07
  that
• 9:07
  your
• 9:08
  standard
• 9:08
  is
• 9:08
  higher
• 9:08
  than
• 9:09
  God's
• 9:09
  standard?
• 9:10
  Because
• 9:11
  that's
• 9:11
  what
• 9:11
  you're
• 9:11
  saying.
• 9:12
  See,
• 9:12
  if
• 9:13
  you
• 9:13
  go
• 9:13
  into
• 9:13
  a
• 9:13
  corner
• 9:14
  and
• 9:15
  the
• 9:15
  judge
• 9:15
  says
• 9:16
  clean,
• 9:18
  you
• 9:18
  don't
• 9:18
  stand
• 9:18
  up
• 9:19
  and
• 9:19
  say
• 9:19
  judge,
• 9:19
  I
• 9:19
  overrule
• 9:20
  you.
• 9:20
  I
• 9:20
  am
• 9:21
  not
• 9:21
  clean.
• 9:23
  Jesus
• 9:23
  Christ.
• 9:24
  Cleaned
• 9:24
  you.
• 9:25
  Cleans
• 9:26
  you.
• 9:26
  White
• 9:26
  as
• 9:26
  snow.
• 9:27
  You
• 9:27
  don't
• 9:27
  overrule
• 9:28
  him.
• 9:30
  So
• 9:30
  if
• 9:30
  you
• 9:31
  want
• 9:31
  to
• 9:31
  move
• 9:31
  forward,
• 9:32
  close
• 9:32
  the
• 9:32
  chapter
• 9:33
  with
• 9:33
  what
• 9:33
  I
• 9:33
  call
• 9:34
  a
• 9:34
  financial
• 9:35
  funeral.
• 9:37
  A
• 9:38
  lot
• 9:38
  of
• 9:38
  us
• 9:38
  have
• 9:38
  been
• 9:38
  to
• 9:38
  a
• 9:39
  funeral.
• 9:39
  We
• 9:39
  get
• 9:39
  what
• 9:39
  that
• 9:39
  looks
• 9:40
  like.
• 9:42
  Close
• 9:42
  the
• 9:42
  casket,
• 9:43
  put
• 9:44
  it
• 9:44
  in
• 9:44
  the
• 9:44
  ground.
• 9:45
  Parry
• 9:45
  it
• 9:45
  away.
• 9:47
  But
• 9:48
  don't
• 9:48
  stop
• 9:48
  there.
• 9:48
  Take
• 9:49
  one
• 9:49
  more
• 9:50
  step.
• 9:51
  Here's
• 9:51
  one
• 9:51
  thing
• 9:52
  I'm
• 9:52
  going
• 9:52
  to
• 9:52
  encourage
• 9:52
  you
• 9:52
  to
• 9:52
  do.
• 9:53
  Write
• 9:53
  down
• 9:53
  the
• 9:54
  mistakes
• 9:54
  you
• 9:54
  keep
• 9:54
  replaying.
• 9:57
  I
• 9:57
  did
• 9:58
  this.
• 9:58
  Write
• 9:59
  them
• 9:59
  down.
• 10:00
  Write
• 10:00
  them
• 10:01
  all
• 10:01
  down.
• 10:02
  Then
• 10:02
  pray
• 10:02
  about
• 10:02
  it.
• 10:03
  Shred
• 10:03
  it.
• 10:03
  Throw
• 10:04
  it
• 10:04
  away.
• 10:04
  Mark
• 10:05
  the
• 10:05
  end
• 10:05
  of
• 10:05
  that
• 10:06
  season.
• 10:06
  Be
• 10:06
  done
• 10:07
  with
• 10:07
  it.
• 10:09
  Bury
• 10:09
  that.
• 10:10
  Send
• 10:10
  it
• 10:10
  to
• 10:11
  the
• 10:11
  funeral.
• 10:11
  Bury
• 10:12
  it
• 10:12
  in
• 10:12
  the
• 10:12
  ground.
• 10:12
  Then
• 10:13
  do
• 10:13
  one
• 10:13
  small
• 10:13
  positive
• 10:14
  action
• 10:14
  today.
• 10:16
  Maybe
• 10:16
  a
• 10:16
  budget.
• 10:17
  One
• 10:17
  week,
• 10:18
  maybe.
• 10:18
  You
• 10:18
  sell
• 10:19
  one
• 10:19
  item,
• 10:19
  you
• 10:20
  make
• 10:20
  one
• 10:20
  payment.
• 10:22
  Because
• 10:22
  your
• 10:23
  story
• 10:23
  isn't
• 10:24
  over.
• 10:26
  It's
• 10:26
  far
• 10:27
  from
• 10:27
  over.
• 10:27
  Grace
• 10:28
  means
• 10:28
  you
• 10:28
  get
• 10:28
  to
• 10:28
  begin
• 10:29
  again.
• 10:31
  So
• 10:31
  here's
• 10:31
  your
• 10:31
  win
• 10:32
  for
• 10:32
  today.
• 10:32
  Just
• 10:32
  a
• 10:32
  single
• 10:33
  step
• 10:33
  to
• 10:34
  help
• 10:34
  you
• 10:34
  get
• 10:34
  to
• 10:34
  where
• 10:35
  you
• 10:35
  need
• 10:35
  to
• 10:35
  be.
• 10:35
  I
• 10:35
  want
• 10:35
  you
• 10:36
  to
• 10:36
  do
• 10:36
  something.
• 10:36
  And
• 10:37
  it
• 10:37
  might
• 10:37
  sound
• 10:37
  a
• 10:37
  little
• 10:38
  bit
• 10:38
  funny,
• 10:38
  but
• 10:38
  I
• 10:39
  want
• 10:39
  you
• 10:39
  to
• 10:39
  get
• 10:39
  out
• 10:39
  a
• 10:39
  sticky
• 10:40
  note.
• 10:41
  If
• 10:41
  you
• 10:41
  don't
• 10:41
  have
• 10:41
  a
• 10:41
  sticky
• 10:42
  note,
• 10:42
  find
• 10:42
  a
• 10:42
  piece
• 10:42
  of
• 10:42
  paper,
• 10:43
  write
• 10:43
  it
• 10:43
  on
• 10:43
  your
• 10:43
  phone.
• 10:43
  I
• 10:44
  want
• 10:44
  you
• 10:44
  to
• 10:44
  write
• 10:44
  three
• 10:44
  words
• 10:45
  on
• 10:45
  that.
• 10:46
  I
• 10:46
  want
• 10:46
  you
• 10:46
  to
• 10:46
  write,
• 10:47
  paid
• 10:47
  in
• 10:48
  full.
• 10:49
  That
• 10:50
  simple.
• 10:50
  Just
• 10:50
  three
• 10:51
  simple
• 10:51
  words.
• 10:52
  Paid
• 10:52
  in
• 10:53
  full.
• 10:55
  Put
• 10:55
  it
• 10:55
  on
• 10:55
  your
• 10:55
  bathroom
• 10:56
  mirror.
• 10:57
  And
• 10:57
  every
• 10:58
  single
• 10:58
  morning,
• 10:58
  let
• 10:59
  the
• 10:59
  cross
• 10:59
  speak
• 11:00
  louder
• 11:00
  than
• 11:00
  your
• 11:00
  ledger.
• 11:02
  Because
• 11:02
  guess
• 11:02
  what?
• 11:04
  You
• 11:04
  already
• 11:04
  been
• 11:05
  paid
• 11:05
  in
• 11:05
  full.
• 11:06
  Well,
• 11:07
  let's
• 11:07
  get
• 11:07
  to
• 11:07
  the
• 11:07
  Bible.
• 11:08
  You
• 11:08
  know
• 11:08
  I
• 11:08
  love
• 11:08
  the
• 11:08
  book
• 11:08
  of
• 11:09
  Romans.
• 11:09
  And
• 11:09
  today's
• 11:10
  Bible
• 11:10
  verse
• 11:10
  comes
• 11:10
  right
• 11:10
  From
• 11:11
  Romans
• 11:11
  chapter
• 11:12
  8,
• 11:12
  verse
• 11:12
  1.
• 11:14
  Romans
• 11:14
  8:1.
• 11:15
  Therefore
• 11:15
  there
• 11:16
  is
• 11:16
  no
• 11:17
  condemnation
• 11:18
  for
• 11:18
  those
• 11:19
  who
• 11:19
  are
• 11:19
  in
• 11:19
  Christ
• 11:20
  Jesus.
• 11:22
  Drop
• 11:22
  the
• 11:22
  Michael
• 11:23
  now.
• 11:25
  Yes,
• 11:25
  your
• 11:26
  mistakes
• 11:26
  have
• 11:26
  consequences.
• 11:28
  My
• 11:28
  mistake
• 11:29
  of
• 11:29
  not
• 11:29
  saving
• 11:30
  for
• 11:30
  retirement
• 11:30
  has
• 11:31
  consequences.
• 11:32
  Now
• 11:32
  I've
• 11:33
  got
• 11:33
  to
• 11:33
  work
• 11:33
  harder
• 11:33
  at
• 11:33
  that.
• 11:35
  But
• 11:35
  in
• 11:36
  Christ,
• 11:36
  you
• 11:36
  are
• 11:36
  never
• 11:37
  condemned.
• 11:39
  How
• 11:39
  about
• 11:40
  we
• 11:40
  pray
• 11:40
  together?
• 11:42
  Lord
• 11:42
  God,
• 11:42
  right
• 11:43
  now
• 11:43
  I
• 11:43
  come
• 11:44
  to
• 11:44
  you
• 11:44
  on
• 11:44
  behalf
• 11:44
  of
• 11:45
  the
• 11:45
  person
• 11:45
  who
• 11:45
  is
• 11:45
  hurting.
• 11:47
  I
• 11:48
  pray
• 11:48
  for
• 11:48
  the
• 11:48
  one
• 11:48
  who
• 11:49
  can't
• 11:49
  look
• 11:49
  in
• 11:49
  the
• 11:49
  mirror
• 11:50
  without
• 11:50
  feeling
• 11:50
  regret.
• 11:52
  And
• 11:53
  Lord,
• 11:53
  we
• 11:53
  know
• 11:53
  shame
• 11:54
  is
• 11:54
  not
• 11:54
  from
• 11:54
  you.
• 11:56
  You
• 11:56
  are
• 11:56
  truly
• 11:56
  the
• 11:57
  God
• 11:57
  of
• 11:57
  second
• 11:57
  chances
• 11:58
  and
• 11:58
  third
• 11:59
  chances
• 11:59
  and
• 12:00
  fourth
• 12:00
  chances
• 12:01
  and
• 12:01
  new
• 12:01
  beginnings.
• 12:03
  So
• 12:04
  right
• 12:04
  now
• 12:04
  we
• 12:04
  just
• 12:04
  pray
• 12:04
  that
• 12:04
  you
• 12:05
  would
• 12:05
  break
• 12:05
  the
• 12:05
  chains
• 12:06
  of
• 12:06
  self
• 12:06
  hatred
• 12:07
  in
• 12:07
  all
• 12:07
  of
• 12:07
  our
• 12:07
  hearts.
• 12:09
  Silence
• 12:10
  that
• 12:10
  voice
• 12:10
  of
• 12:10
  the
• 12:10
  accuser
• 12:11
  that
• 12:11
  keeps
• 12:12
  calling
• 12:12
  them
• 12:12
  a
• 12:12
  failure.
• 12:14
  Wash
• 12:15
  over
• 12:15
  them
• 12:15
  with
• 12:15
  the
• 12:16
  truth
• 12:16
  of
• 12:16
  Romans
• 12:17
  8:1,
• 12:17
  that
• 12:17
  there
• 12:17
  is
• 12:18
  no
• 12:19
  condemnation
• 12:20
  in
• 12:20
  Christ.
• 12:22
  Help
• 12:22
  them
• 12:23
  receive
• 12:23
  your
• 12:23
  forgiveness
• 12:24
  fully,
• 12:24
  Lord,
• 12:25
  and
• 12:25
  release
• 12:25
  the
• 12:26
  forgiveness
• 12:26
  they
• 12:26
  owe
• 12:27
  themselves.
• 12:29
  Give
• 12:29
  them
• 12:29
  strength
• 12:30
  to
• 12:30
  look
• 12:30
  up,
• 12:30
  Lord,
• 12:31
  and.
• 12:31
  And
• 12:31
  stand
• 12:32
  up
• 12:33
  and
• 12:33
  walk
• 12:33
  towards
• 12:34
  freedom.
• 12:36
  We
• 12:36
  ask
• 12:36
  this
• 12:37
  in
• 12:37
  Jesus
• 12:37
  name.
• 12:39
  Amen.
• 12:41
  Listen
• 12:41
  friend,
• 12:42
  you
• 12:43
  are
• 12:43
  not
• 12:43
  your
• 12:43
  worst
• 12:44
  decisions.
• 12:45
  God's
• 12:46
  mercy
• 12:46
  is
• 12:46
  new
• 12:47
  today.
• 12:47
  And
• 12:48
  if
• 12:48
  you
• 12:48
  make
• 12:48
  a
• 12:48
  mistake
• 12:48
  today
• 12:49
  and
• 12:49
  stumble,
• 12:49
  guess
• 12:49
  what?
• 12:50
  God's
• 12:50
  mercy
• 12:50
  is
• 12:50
  going
• 12:50
  to
• 12:50
  be
• 12:50
  there
• 12:50
  again
• 12:51
  tomorrow.
• 12:52
  So
• 12:53
  stay
• 12:53
  the
• 12:53
  course.
• 12:55
  And
• 12:55
  I
• 12:55
  would
• 12:55
  also
• 12:55
  like
• 12:56
  to
• 12:56
  invite
• 12:56
  you
• 12:56
  to
• 12:56
  send
• 12:57
  in
• 12:57
  your
• 12:57
  questions
• 12:57
  to
• 12:58
  the
• 12:58
  show.
• 12:58
  You
• 12:59
  can
• 12:59
  do
• 12:59
  that
• 12:59
  by
• 12:59
  going
• 12:59
  to
• 12:59
  financiallyconfidentchristian.com/question
• 13:03
  we'll
• 13:04
  put
• 13:04
  that
• 13:04
  in
• 13:04
  the
• 13:04
  show
• 13:04
  notes.
• 13:06
  So
• 13:06
  thank
• 13:06
  you
• 13:06
  so
• 13:07
  much
• 13:07
  for
• 13:07
  joining
• 13:07
  me
• 13:07
  today.
• 13:08
  It
• 13:08
  was
• 13:08
  a
• 13:08
  tough
• 13:08
  one
• 13:08
  today,
• 13:09
  wasn't
• 13:09
  it?
• 13:10
  But
• 13:10
  you
• 13:10
  can
• 13:10
  do
• 13:11
  this.
• 13:11
  Stay
• 13:11
  financially
• 13:12
  savvy.
• 13:12
  May
• 13:13
  God
• 13:13
  bless
• 13:13
  you
• 13:14
  and
• 13:14
  you
• 13:14
  have
• 13:14
  a
• 13:14
  great
• 13:15
  day
• 13:15
  today.