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How Do I Make These Financial Habits Actually Stick? · Becoming Financially Confident

• 0:37
  You've
• 0:38
  learned
• 0:38
  so
• 0:38
  many
• 0:38
  powerful
• 0:39
  tools
• 0:39
  and
• 0:39
  taken
• 0:40
  really
• 0:40
  brave
• 0:40
  steps.
• 0:42
  You've
• 0:42
  embraced
• 0:42
  budgeting
• 0:43
  and
• 0:43
  saving
• 0:44
  and
• 0:44
  tackling
• 0:44
  debt.
• 0:45
  You've
• 0:45
  been
• 0:45
  tracking
• 0:46
  spending
• 0:46
  and
• 0:46
  you're
• 0:46
  even
• 0:47
  giving
• 0:47
  generously.
• 0:48
  You
• 0:49
  know
• 0:49
  what
• 0:49
  to
• 0:49
  do.
• 0:50
  But
• 0:51
  how
• 0:51
  do
• 0:51
  you
• 0:51
  make
• 0:51
  these
• 0:51
  habits
• 0:52
  a
• 0:52
  consistent
• 0:53
  part
• 0:53
  of
• 0:53
  your
• 0:53
  life
• 0:53
  month
• 0:54
  after
• 0:54
  month
• 0:54
  and
• 0:55
  year
• 0:55
  after
• 0:55
  year,
• 0:56
  so
• 0:56
  that
• 0:56
  peace
• 0:57
  actually
• 0:58
  lasts?
• 0:58
  Well,
• 0:58
  stick
• 0:59
  with
• 0:59
  me
• 0:59
  because
• 0:59
  I've
• 1:00
  got
• 1:00
  answers
• 1:00
  on
• 1:00
  today's
• 1:01
  show.
• 1:03
  This
• 1:03
  is
• 1:03
  Financially
• 1:04
  Confident
• 1:04
  Christian,
• 1:05
  your
• 1:06
  daily
• 1:06
  dose
• 1:06
  of
• 1:06
  gospel,
• 1:07
  grounded
• 1:07
  insight
• 1:08
  and
• 1:08
  faith
• 1:08
  driven
• 1:09
  tips
• 1:09
  to
• 1:09
  help
• 1:10
  you
• 1:10
  break
• 1:10
  the
• 1:10
  cycle
• 1:10
  of
• 1:11
  financial
• 1:11
  shame
• 1:11
  with
• 1:12
  confidence.
• 1:15
  Hey
• 1:16
  there
• 1:16
  and
• 1:16
  welcome
• 1:16
  back
• 1:17
  to
• 1:17
  your
• 1:17
  daily
• 1:17
  Financially
• 1:18
  Confident
• 1:19
  Christian
• 1:19
  show.
• 1:20
  I'm
• 1:20
  Ralph
• 1:20
  and
• 1:21
  we're
• 1:21
  here
• 1:21
  to
• 1:21
  answer
• 1:21
  that
• 1:22
  question,
• 1:22
  how
• 1:23
  can
• 1:23
  I
• 1:23
  become
• 1:24
  a
• 1:24
  financially
• 1:25
  confident
• 1:26
  Christian?
• 1:26
  We're
• 1:26
  just
• 1:27
  about
• 1:27
  at
• 1:27
  the
• 1:27
  end
• 1:27
  of
• 1:27
  our
• 1:28
  series
• 1:28
  dealing
• 1:28
  with
• 1:29
  the
• 1:29
  stress
• 1:29
  of
• 1:29
  money
• 1:29
  wars.
• 1:30
  Just
• 1:30
  a
• 1:30
  couple
• 1:30
  episodes
• 1:31
  left
• 1:32
  and
• 1:32
  we've
• 1:32
  covered
• 1:33
  so
• 1:33
  many
• 1:33
  crucial
• 1:34
  topics
• 1:34
  as
• 1:35
  we
• 1:35
  work
• 1:35
  to
• 1:35
  build
• 1:35
  this
• 1:36
  toolkit,
• 1:36
  if
• 1:37
  you
• 1:37
  will,
• 1:37
  managing
• 1:38
  your
• 1:38
  money
• 1:38
  with
• 1:38
  wisdom
• 1:39
  and
• 1:39
  managing
• 1:40
  with
• 1:40
  fate.
• 1:40
  We've
• 1:41
  got
• 1:41
  a
• 1:41
  lot
• 1:41
  of
• 1:41
  tools
• 1:42
  and
• 1:42
  as
• 1:43
  we
• 1:43
  near
• 1:43
  the
• 1:43
  end
• 1:44
  of
• 1:44
  our
• 1:44
  series,
• 1:44
  the
• 1:44
  question
• 1:45
  isn't
• 1:45
  any
• 1:46
  longer,
• 1:46
  what
• 1:46
  should
• 1:46
  we
• 1:47
  do?
• 1:47
  We
• 1:47
  kind
• 1:47
  of
• 1:47
  know
• 1:47
  what
• 1:48
  those
• 1:48
  things
• 1:48
  are.
• 1:49
  But
• 1:49
  now
• 1:49
  the
• 1:50
  question
• 1:50
  is,
• 1:51
  you're
• 1:51
  probably
• 1:51
  thinking
• 1:52
  this
• 1:52
  right
• 1:52
  now
• 1:52
  yourself,
• 1:54
  Ralph.
• 1:55
  How
• 1:55
  do
• 1:55
  I
• 1:55
  keep
• 1:55
  doing
• 1:56
  it,
• 1:56
  Ralph?
• 1:57
  How
• 1:57
  do
• 1:57
  I
• 1:57
  turn
• 1:57
  these
• 1:58
  powerful
• 1:58
  actions
• 1:59
  that
• 1:59
  you've
• 1:59
  taught
• 1:59
  us
• 2:00
  into
• 2:00
  lasting
• 2:01
  habits?
• 2:02
  Because
• 2:02
  I
• 2:02
  want
• 2:03
  to
• 2:03
  have
• 2:03
  that
• 2:03
  ongoing
• 2:04
  peace
• 2:04
  and
• 2:04
  I
• 2:04
  want
• 2:04
  to
• 2:04
  have
• 2:05
  that
• 2:05
  ongoing
• 2:06
  freedom.
• 2:07
  So
• 2:07
  let's
• 2:07
  tackle
• 2:08
  that
• 2:08
  question
• 2:08
  on
• 2:08
  the
• 2:08
  show
• 2:09
  today.
• 2:09
  How
• 2:09
  do
• 2:09
  I
• 2:09
  make
• 2:10
  these
• 2:10
  financial
• 2:10
  habits
• 2:11
  actually
• 2:11
  stick
• 2:12
  for
• 2:12
  the
• 2:13
  long
• 2:13
  haul?
• 2:14
  And
• 2:14
  I'm
• 2:14
  gonna
• 2:14
  tell
• 2:14
  you
• 2:14
  right
• 2:15
  now,
• 2:15
  I'm
• 2:15
  gonna
• 2:15
  equate
• 2:15
  this
• 2:15
  to
• 2:16
  something
• 2:16
  I'm
• 2:16
  going
• 2:16
  through
• 2:17
  myself.
• 2:18
  For
• 2:18
  many
• 2:18
  years,
• 2:19
  I've
• 2:19
  battled
• 2:19
  my
• 2:19
  health,
• 2:20
  I've
• 2:20
  battled
• 2:21
  weight,
• 2:21
  and
• 2:21
  I've
• 2:21
  battled
• 2:22
  diabetes,
• 2:22
  high
• 2:23
  blood
• 2:23
  sugar.
• 2:24
  And
• 2:24
  just
• 2:24
  recently,
• 2:25
  about
• 2:25
  four
• 2:25
  or
• 2:25
  five
• 2:25
  months
• 2:26
  ago,
• 2:26
  I
• 2:26
  really
• 2:26
  decided,
• 2:27
  hey,
• 2:28
  I've
• 2:28
  got
• 2:28
  to
• 2:28
  do
• 2:29
  something
• 2:29
  about
• 2:29
  this.
• 2:29
  For
• 2:30
  me,
• 2:30
  I
• 2:30
  went
• 2:30
  to
• 2:30
  the
• 2:30
  eye
• 2:31
  doctor
• 2:31
  and
• 2:31
  the
• 2:31
  eye
• 2:31
  doctor
• 2:31
  said,
• 2:32
  hey,
• 2:32
  Ralph,
• 2:33
  you're
• 2:33
  having
• 2:33
  some
• 2:33
  problems
• 2:33
  in
• 2:34
  your
• 2:34
  eyes,
• 2:35
  so
• 2:35
  you
• 2:35
  got
• 2:35
  to
• 2:35
  get
• 2:35
  that
• 2:35
  blood
• 2:36
  sugar
• 2:36
  down.
• 2:36
  So
• 2:36
  I
• 2:37
  went
• 2:37
  and
• 2:37
  met
• 2:37
  with
• 2:37
  the
• 2:37
  doctor
• 2:38
  and
• 2:38
  I
• 2:38
  got
• 2:38
  one
• 2:38
  of
• 2:38
  those
• 2:39
  constant
• 2:39
  glucose
• 2:40
  meters.
• 2:40
  You
• 2:41
  stick
• 2:41
  it
• 2:41
  in
• 2:41
  your
• 2:41
  arm
• 2:42
  every
• 2:42
  10
• 2:42
  days
• 2:42
  and
• 2:43
  the
• 2:43
  data
• 2:43
  pops
• 2:44
  right
• 2:44
  up
• 2:44
  on
• 2:44
  my
• 2:44
  watch.
• 2:45
  So
• 2:45
  I
• 2:46
  always
• 2:46
  know
• 2:46
  where
• 2:46
  I'm
• 2:47
  at.
• 2:48
  And
• 2:48
  I
• 2:48
  thought
• 2:48
  about
• 2:48
  that
• 2:49
  really
• 2:49
  applies
• 2:49
  to
• 2:49
  what
• 2:49
  we're
• 2:50
  talking
• 2:50
  about
• 2:50
  here
• 2:51
  because
• 2:51
  I
• 2:51
  got
• 2:52
  inspired.
• 2:52
  You
• 2:52
  know,
• 2:53
  you
• 2:53
  may
• 2:53
  have
• 2:53
  gotten
• 2:53
  inspired
• 2:54
  when
• 2:54
  you
• 2:54
  started
• 2:54
  doing
• 2:55
  your
• 2:55
  budgeting.
• 2:56
  You
• 2:56
  tracked
• 2:56
  every
• 2:57
  dollar.
• 2:57
  You
• 2:57
  made
• 2:57
  those
• 2:58
  extra
• 2:58
  debt
• 2:59
  payments.
• 3:00
  That
• 3:00
  feels
• 3:01
  great.
• 3:02
  Felt
• 3:02
  great
• 3:02
  for
• 3:03
  me
• 3:03
  when
• 3:03
  I
• 3:03
  started
• 3:03
  Saying,
• 3:03
  hey,
• 3:04
  look,
• 3:04
  I
• 3:04
  can
• 3:04
  make
• 3:04
  an
• 3:04
  impact
• 3:05
  here.
• 3:06
  It
• 3:06
  feels
• 3:06
  great
• 3:06
  for
• 3:06
  a
• 3:07
  few
• 3:07
  weeks,
• 3:08
  but
• 3:08
  then
• 3:08
  if
• 3:09
  you're
• 3:09
  like
• 3:09
  me,
• 3:09
  like
• 3:09
  most
• 3:10
  other
• 3:10
  people,
• 3:11
  life
• 3:11
  just
• 3:11
  gets
• 3:12
  busy
• 3:13
  and
• 3:13
  then
• 3:13
  you
• 3:13
  forget
• 3:14
  to
• 3:14
  track
• 3:14
  a
• 3:14
  few
• 3:14
  things.
• 3:15
  Maybe
• 3:16
  you
• 3:16
  miss
• 3:16
  a
• 3:16
  budget
• 3:17
  check
• 3:17
  in,
• 3:17
  and
• 3:17
  then
• 3:17
  all
• 3:18
  of
• 3:18
  a
• 3:18
  sudden
• 3:18
  your
• 3:18
  motivation
• 3:19
  dips.
• 3:20
  And
• 3:21
  before
• 3:21
  you
• 3:21
  know
• 3:21
  it,
• 3:21
  if
• 3:22
  you're
• 3:22
  like
• 3:22
  me,
• 3:22
  you're
• 3:22
  back
• 3:23
  in
• 3:23
  your
• 3:23
  old
• 3:23
  patterns,
• 3:24
  feeling
• 3:24
  that
• 3:24
  similar
• 3:25
  money
• 3:25
  stress
• 3:26
  creep
• 3:26
  back
• 3:27
  in.
• 3:28
  See,
• 3:28
  the
• 3:28
  struggle
• 3:29
  here
• 3:29
  is
• 3:29
  really
• 3:30
  inconsistency.
• 3:31
  And
• 3:32
  I've
• 3:32
  dealt
• 3:32
  with
• 3:32
  that
• 3:32
  my
• 3:33
  whole
• 3:33
  life.
• 3:33
  Always
• 3:33
  inconsistent.
• 3:34
  I
• 3:34
  was
• 3:34
  one
• 3:34
  of
• 3:34
  those
• 3:35
  yo
• 3:35
  yo
• 3:35
  dieters,
• 3:36
  up
• 3:36
  and
• 3:36
  down
• 3:36
  with
• 3:37
  weight.
• 3:38
  Well,
• 3:38
  the
• 3:38
  same
• 3:38
  thing
• 3:38
  goes
• 3:39
  for
• 3:39
  our
• 3:39
  finances.
• 3:40
  That
• 3:40
  feeling
• 3:41
  of
• 3:41
  starting
• 3:41
  and
• 3:41
  stopping,
• 3:42
  that
• 3:42
  is
• 3:42
  a
• 3:42
  major
• 3:43
  struggle.
• 3:44
  And
• 3:45
  I
• 3:45
  know
• 3:45
  it
• 3:45
  leads
• 3:45
  to
• 3:46
  frustration
• 3:46
  and
• 3:46
  you
• 3:47
  feel
• 3:47
  like
• 3:47
  you're
• 3:47
  undoing
• 3:48
  your
• 3:48
  progress.
• 3:50
  And
• 3:50
  maybe
• 3:51
  for
• 3:51
  you,
• 3:51
  if
• 3:51
  you're
• 3:51
  listening
• 3:52
  right
• 3:52
  now,
• 3:52
  you
• 3:52
  have
• 3:52
  this
• 3:53
  really
• 3:54
  discouraging
• 3:54
  belief.
• 3:55
  You
• 3:56
  might
• 3:56
  be
• 3:56
  saying
• 3:56
  to
• 3:56
  yourself,
• 3:57
  I'm
• 3:57
  just
• 3:57
  not
• 3:57
  good
• 3:57
  with
• 3:58
  the
• 3:58
  money.
• 3:59
  Or
• 4:00
  maybe
• 4:00
  even
• 4:00
  worse,
• 4:00
  you're
• 4:01
  saying,
• 4:01
  oh,
• 4:01
  you
• 4:01
  know
• 4:01
  what,
• 4:02
  Ralph?
• 4:02
  It
• 4:02
  just
• 4:02
  lasting
• 4:03
  financial
• 4:03
  peace
• 4:04
  just
• 4:04
  not
• 4:04
  attainable
• 4:05
  for
• 4:05
  me.
• 4:06
  But
• 4:06
  here's
• 4:06
  the
• 4:06
  thing
• 4:06
  I
• 4:07
  need
• 4:07
  you
• 4:07
  to
• 4:07
  understand
• 4:08
  today.
• 4:09
  If
• 4:10
  you're
• 4:10
  going
• 4:10
  to
• 4:10
  build
• 4:11
  lasting
• 4:11
  habits,
• 4:11
  and
• 4:12
  I
• 4:12
  don't
• 4:12
  care
• 4:12
  what
• 4:12
  area
• 4:13
  of
• 4:13
  life
• 4:13
  you're
• 4:13
  talking
• 4:13
  about,
• 4:14
  if
• 4:14
  you
• 4:14
  want
• 4:14
  to
• 4:14
  build
• 4:15
  lasting
• 4:15
  habits,
• 4:16
  and
• 4:16
  I'm
• 4:16
  learning
• 4:17
  this
• 4:17
  myself
• 4:17
  with
• 4:17
  this
• 4:18
  weight
• 4:18
  and
• 4:19
  this,
• 4:19
  managing
• 4:19
  my
• 4:20
  health
• 4:20
  and
• 4:20
  lifting
• 4:20
  weights,
• 4:22
  it
• 4:22
  requires
• 4:22
  three
• 4:23
  things
• 4:23
  in
• 4:23
  my
• 4:23
  view,
• 4:25
  effort,
• 4:26
  intentionality,
• 4:27
  and
• 4:28
  grace.
• 4:29
  And
• 4:29
  you
• 4:29
  have
• 4:29
  to
• 4:29
  be
• 4:30
  willing
• 4:30
  to
• 4:30
  accept
• 4:30
  something
• 4:31
  that
• 4:31
  a
• 4:31
  lot
• 4:31
  of
• 4:31
  us
• 4:31
  don't
• 4:32
  want
• 4:32
  to
• 4:32
  accept,
• 4:32
  and
• 4:33
  that
• 4:33
  is
• 4:34
  not
• 4:34
  perfection.
• 4:35
  So
• 4:35
  you're
• 4:36
  going
• 4:36
  to
• 4:36
  miss
• 4:36
  a
• 4:36
  day,
• 4:37
  you're
• 4:37
  going
• 4:37
  to
• 4:38
  make
• 4:38
  mistakes,
• 4:38
  you're
• 4:38
  going
• 4:38
  to
• 4:39
  go
• 4:39
  over
• 4:39
  your
• 4:39
  budget.
• 4:40
  Sometimes
• 4:41
  that's
• 4:42
  okay.
• 4:42
  I
• 4:42
  look
• 4:42
  at
• 4:43
  my
• 4:43
  blood
• 4:43
  sugar
• 4:43
  number,
• 4:43
  and
• 4:44
  sometimes
• 4:44
  I
• 4:44
  make
• 4:44
  bad
• 4:45
  decisions
• 4:45
  or
• 4:45
  I
• 4:45
  don't
• 4:46
  get
• 4:46
  in
• 4:46
  all
• 4:46
  the
• 4:46
  exercise
• 4:47
  I
• 4:47
  wanted
• 4:48
  to
• 4:48
  get
• 4:48
  in
• 4:48
  that
• 4:48
  day,
• 4:50
  I
• 4:50
  made
• 4:50
  a
• 4:50
  mistake
• 4:51
  and
• 4:51
  I
• 4:51
  got
• 4:51
  to
• 4:51
  get
• 4:51
  back
• 4:51
  up
• 4:52
  and
• 4:52
  start
• 4:52
  again
• 4:53
  tomorrow.
• 4:53
  The
• 4:53
  same
• 4:53
  works
• 4:54
  for
• 4:54
  your
• 4:54
  finances.
• 4:56
  The
• 4:57
  key
• 4:57
  is
• 4:57
  always
• 4:58
  don't
• 4:58
  let
• 4:58
  those
• 4:59
  moments
• 4:59
  derail
• 5:00
  you
• 5:00
  completely.
• 5:01
  Let's
• 5:02
  get
• 5:02
  into
• 5:02
  the
• 5:02
  Bible
• 5:02
  and
• 5:03
  talk
• 5:03
  about
• 5:03
  some
• 5:03
  faithfulness
• 5:04
  and
• 5:04
  perseverance
• 5:05
  we
• 5:05
  see
• 5:05
  there.
• 5:05
  Let's
• 5:06
  look
• 5:06
  at
• 5:06
  the
• 5:06
  Book
• 5:06
  of
• 5:06
  Galatians,
• 5:07
  chapter
• 5:08
  6,
• 5:08
  verse
• 5:09
  9.
• 5:09
  It
• 5:09
  says
• 5:09
  this,
• 5:09
  and
• 5:10
  I
• 5:10
  love
• 5:10
  this
• 5:10
  verse,
• 5:11
  Galatians,
• 5:12
  let
• 5:12
  us
• 5:13
  not
• 5:13
  become
• 5:13
  weary
• 5:14
  in
• 5:14
  doing
• 5:14
  good.
• 5:15
  For
• 5:15
  at
• 5:16
  the
• 5:16
  proper
• 5:16
  time
• 5:17
  we
• 5:17
  will
• 5:17
  reap
• 5:18
  a
• 5:18
  harvest
• 5:18
  if
• 5:19
  we
• 5:19
  do
• 5:19
  not
• 5:20
  give
• 5:20
  up.
• 5:21
  Think
• 5:21
  about
• 5:21
  that
• 5:22
  for
• 5:22
  a
• 5:22
  second.
• 5:23
  For
• 5:24
  at
• 5:24
  the
• 5:24
  proper
• 5:25
  time,
• 5:26
  we
• 5:26
  will
• 5:26
  reap
• 5:27
  a
• 5:27
  harvest
• 5:28
  if
• 5:28
  we
• 5:29
  do
• 5:29
  not
• 5:29
  give
• 5:29
  up.
• 5:31
  And
• 5:31
  see,
• 5:31
  I'm
• 5:32
  thinking
• 5:32
  about
• 5:32
  that
• 5:32
  in
• 5:32
  my
• 5:32
  health,
• 5:33
  if
• 5:33
  I
• 5:33
  don't
• 5:33
  give
• 5:33
  up,
• 5:33
  if
• 5:34
  I
• 5:34
  do
• 5:34
  that
• 5:34
  every
• 5:34
  day.
• 5:34
  This
• 5:35
  morning
• 5:35
  I
• 5:35
  was
• 5:35
  down
• 5:36
  in
• 5:36
  the
• 5:36
  gym
• 5:36
  putting
• 5:36
  in
• 5:37
  the
• 5:37
  reps.
• 5:38
  Well,
• 5:38
  that
• 5:38
  applies
• 5:39
  to
• 5:39
  your
• 5:39
  financial
• 5:39
  habits
• 5:40
  as
• 5:40
  well.
• 5:41
  It's
• 5:41
  that
• 5:41
  consistent
• 5:42
  effort.
• 5:43
  Even
• 5:43
  when
• 5:43
  you're
• 5:43
  imperfect,
• 5:44
  even
• 5:44
  when
• 5:44
  you
• 5:44
  go
• 5:45
  over
• 5:45
  your
• 5:45
  budget,
• 5:46
  it's
• 5:46
  going
• 5:46
  to
• 5:46
  happen.
• 5:47
  But
• 5:48
  if
• 5:48
  you're
• 5:48
  consistent
• 5:49
  about
• 5:49
  that
• 5:49
  even
• 5:49
  being
• 5:50
  imperfect,
• 5:50
  you
• 5:51
  will
• 5:51
  reap
• 5:51
  a
• 5:51
  harvest
• 5:52
  of
• 5:52
  greater
• 5:52
  peace
• 5:53
  and
• 5:53
  you
• 5:53
  will
• 5:54
  reap
• 5:54
  a
• 5:54
  harvest
• 5:54
  of
• 5:55
  greater
• 5:55
  freedom
• 5:56
  over
• 5:56
  time.
• 5:57
  Just
• 5:57
  think
• 5:58
  about
• 5:58
  the
• 5:58
  book
• 5:58
  of
• 5:58
  Luke,
• 5:59
  chapter
• 5:59
  16,
• 5:59
  verse
• 6:00
  10.
• 6:00
  I'm
• 6:00
  not
• 6:00
  going
• 6:00
  to
• 6:00
  cover
• 6:00
  the
• 6:00
  whole
• 6:01
  thing
• 6:01
  there
• 6:01
  right
• 6:01
  now,
• 6:02
  but
• 6:02
  it
• 6:02
  reminds
• 6:02
  us
• 6:02
  to
• 6:03
  be
• 6:03
  faithful
• 6:03
  with
• 6:04
  very
• 6:04
  little.
• 6:06
  And
• 6:07
  you
• 6:07
  might
• 6:07
  be
• 6:07
  saying,
• 6:07
  Ralph,
• 6:07
  how
• 6:07
  does
• 6:08
  that
• 6:08
  happen?
• 6:08
  Well,
• 6:08
  it
• 6:08
  comes
• 6:09
  through
• 6:09
  consistent
• 6:09
  practice.
• 6:10
  Look
• 6:10
  at
• 6:10
  Romans,
• 6:11
  chapter
• 6:11
  12,
• 6:11
  verse
• 6:12
  2.
• 6:13
  Building
• 6:13
  financial
• 6:14
  habits
• 6:14
  is
• 6:14
  a
• 6:15
  process
• 6:15
  of
• 6:15
  renewing
• 6:16
  your
• 6:16
  mind
• 6:16
  and
• 6:17
  your
• 6:17
  actions
• 6:17
  every
• 6:18
  day.
• 6:18
  Training
• 6:19
  yourself
• 6:19
  in
• 6:19
  diligence
• 6:20
  and
• 6:21
  training
• 6:21
  yourself
• 6:22
  in
• 6:22
  self
• 6:22
  control.
• 6:24
  And
• 6:24
  don't
• 6:24
  forget
• 6:24
  this
• 6:25
  part,
• 6:26
  relying
• 6:27
  on
• 6:27
  God's
• 6:27
  strength.
• 6:27
  Listen,
• 6:28
  I'm
• 6:28
  losing
• 6:29
  weight,
• 6:29
  I'm
• 6:29
  getting
• 6:29
  in
• 6:30
  shape.
• 6:30
  It's
• 6:31
  not
• 6:31
  all
• 6:31
  me
• 6:31
  doing
• 6:31
  it,
• 6:33
  it's
• 6:33
  God's
• 6:33
  strength.
• 6:35
  And
• 6:35
  another
• 6:35
  big
• 6:36
  thing,
• 6:36
  a
• 6:36
  big
• 6:37
  takeaway
• 6:37
  from
• 6:37
  today,
• 6:38
  you
• 6:38
  gotta
• 6:39
  accept
• 6:39
  his
• 6:40
  grace
• 6:40
  when
• 6:40
  you
• 6:40
  stumble.
• 6:41
  Because
• 6:41
  let
• 6:41
  me
• 6:41
  tell
• 6:41
  you
• 6:42
  right
• 6:42
  now,
• 6:42
  you're
• 6:43
  a
• 6:43
  human
• 6:43
  being,
• 6:44
  you
• 6:44
  will
• 6:45
  stumble.
• 6:46
  So
• 6:46
  you
• 6:46
  might
• 6:46
  be
• 6:46
  saying,
• 6:47
  hey
• 6:47
  Rob,
• 6:47
  what
• 6:47
  can
• 6:47
  we
• 6:48
  do?
• 6:48
  How
• 6:48
  do
• 6:48
  we
• 6:48
  move
• 6:48
  from
• 6:49
  this
• 6:49
  cycle
• 6:49
  of
• 6:49
  starting
• 6:50
  and
• 6:50
  stopping?
• 6:51
  I
• 6:51
  feel
• 6:51
  like
• 6:51
  that's
• 6:51
  all
• 6:52
  I
• 6:52
  do.
• 6:52
  I'm
• 6:52
  on
• 6:52
  this
• 6:52
  treadmill
• 6:53
  of
• 6:53
  starting
• 6:53
  and
• 6:53
  stopping.
• 6:54
  I
• 6:54
  push
• 6:54
  the
• 6:54
  button
• 6:54
  to
• 6:54
  stop,
• 6:55
  I
• 6:55
  push
• 6:55
  it
• 6:55
  to
• 6:55
  start,
• 6:55
  but
• 6:55
  I
• 6:56
  just
• 6:56
  keep
• 6:56
  going
• 6:57
  and
• 6:57
  I
• 6:57
  just
• 6:57
  can't,
• 6:58
  I
• 6:58
  can't
• 6:58
  seem
• 6:58
  to
• 6:58
  get
• 6:59
  out
• 6:59
  of
• 6:59
  that
• 6:59
  cycle.
• 7:00
  How
• 7:00
  do
• 7:01
  we
• 7:01
  get
• 7:01
  past
• 7:01
  that
• 7:01
  Ralph,
• 7:02
  to
• 7:02
  build
• 7:02
  a
• 7:02
  consistent,
• 7:03
  sustainable
• 7:04
  financial
• 7:05
  rhythm?
• 7:06
  Because
• 7:06
  I
• 7:06
  need
• 7:07
  that
• 7:07
  stress
• 7:07
  reduced
• 7:08
  over
• 7:08
  time.
• 7:08
  Well,
• 7:08
  I've
• 7:08
  got
• 7:09
  the
• 7:09
  answer
• 7:10
  and
• 7:10
  here's
• 7:10
  my
• 7:10
  big
• 7:11
  answer
• 7:11
  for
• 7:11
  today.
• 7:12
  Focus
• 7:12
  on
• 7:12
  establishing
• 7:13
  a
• 7:13
  simple,
• 7:14
  repeatable
• 7:15
  financial
• 7:15
  routine.
• 7:17
  We
• 7:17
  are
• 7:18
  routine
• 7:18
  based
• 7:18
  people.
• 7:20
  So
• 7:20
  if
• 7:20
  you
• 7:20
  can
• 7:20
  find
• 7:21
  and
• 7:21
  establish
• 7:21
  a
• 7:22
  simple,
• 7:22
  repeatable
• 7:23
  financial
• 7:23
  routine
• 7:24
  and
• 7:25
  then
• 7:25
  practice
• 7:25
  that
• 7:25
  grace
• 7:26
  over
• 7:26
  perfection,
• 7:28
  consistently
• 7:28
  put
• 7:29
  in
• 7:29
  the
• 7:29
  effort
• 7:29
  and
• 7:30
  leverage
• 7:30
  some
• 7:30
  accountability,
• 7:31
  which
• 7:31
  we're
• 7:31
  gonna
• 7:31
  talk
• 7:31
  about
• 7:31
  those
• 7:31
  things
• 7:32
  in
• 7:32
  a
• 7:32
  few
• 7:32
  minutes,
• 7:33
  that
• 7:33
  will
• 7:33
  help
• 7:34
  you
• 7:34
  create
• 7:34
  a
• 7:34
  system
• 7:34
  to
• 7:35
  stay
• 7:35
  on
• 7:35
  track
• 7:35
  even
• 7:35
  when
• 7:36
  that
• 7:36
  motivation
• 7:36
  is
• 7:37
  low,
• 7:37
  when
• 7:37
  that
• 7:37
  motivation
• 7:38
  starts
• 7:38
  to
• 7:39
  wane.
• 7:40
  And
• 7:40
  the
• 7:40
  last
• 7:41
  part
• 7:41
  of
• 7:41
  this,
• 7:41
  as
• 7:41
  I
• 7:42
  mentioned
• 7:42
  a
• 7:42
  few
• 7:42
  minutes
• 7:42
  ago,
• 7:43
  give
• 7:43
  yourself
• 7:43
  grace
• 7:44
  when
• 7:44
  you
• 7:44
  stumble.
• 7:44
  So
• 7:45
  here's
• 7:45
  your
• 7:45
  one
• 7:45
  action
• 7:46
  step
• 7:46
  for
• 7:46
  today.
• 7:47
  Just
• 7:47
  one
• 7:47
  thing.
• 7:48
  I
• 7:48
  want
• 7:48
  you
• 7:48
  to
• 7:48
  identify
• 7:49
  your
• 7:49
  core
• 7:50
  habits.
• 7:51
  We've
• 7:51
  talked
• 7:51
  about
• 7:52
  a
• 7:52
  lot
• 7:52
  of
• 7:52
  these.
• 7:52
  Choose
• 7:53
  one
• 7:53
  or
• 7:53
  two
• 7:53
  core
• 7:54
  financial
• 7:54
  habits
• 7:55
  from
• 7:55
  this
• 7:55
  series.
• 7:55
  Or
• 7:56
  for
• 7:56
  example
• 7:56
  Maybe
• 7:57
  one
• 7:57
  of
• 7:57
  the
• 7:57
  things
• 7:57
  that
• 7:57
  you
• 7:58
  really
• 7:58
  want
• 7:58
  to
• 7:58
  work
• 7:58
  on
• 7:59
  is
• 7:59
  that
• 7:59
  weekly
• 8:00
  budget
• 8:00
  check
• 8:00
  in.
• 8:01
  It's
• 8:01
  important
• 8:01
  to
• 8:02
  you.
• 8:02
  Or
• 8:02
  maybe
• 8:02
  you
• 8:03
  really
• 8:03
  want
• 8:03
  to
• 8:03
  focus
• 8:03
  on
• 8:04
  that
• 8:04
  daily
• 8:04
  spending
• 8:05
  tracking
• 8:05
  because
• 8:06
  you
• 8:06
  find
• 8:06
  yourself
• 8:06
  getting
• 8:07
  off
• 8:07
  the
• 8:07
  rails
• 8:08
  on
• 8:08
  your
• 8:08
  spending.
• 8:08
  Or
• 8:08
  maybe
• 8:09
  for
• 8:09
  you,
• 8:09
  you've
• 8:09
  got
• 8:09
  that
• 8:10
  mountain
• 8:10
  of
• 8:10
  debt
• 8:10
  and
• 8:10
  you
• 8:11
  really
• 8:11
  want
• 8:11
  to
• 8:11
  focus
• 8:11
  on
• 8:12
  those
• 8:12
  debt
• 8:12
  payments.
• 8:13
  I
• 8:13
  want
• 8:13
  you
• 8:13
  to
• 8:13
  choose
• 8:14
  just
• 8:14
  one
• 8:14
  or
• 8:14
  two
• 8:15
  of
• 8:15
  those
• 8:15
  financial
• 8:16
  habits
• 8:16
  from
• 8:17
  these
• 8:17
  series
• 8:18
  and
• 8:18
  then
• 8:18
  the
• 8:19
  next
• 8:19
  thing
• 8:19
  I
• 8:19
  want
• 8:19
  you
• 8:19
  to
• 8:19
  do,
• 8:19
  I
• 8:20
  want
• 8:20
  you
• 8:20
  to
• 8:20
  schedule
• 8:20
  them
• 8:20
  and
• 8:21
  be
• 8:21
  very
• 8:21
  specific.
• 8:21
  Open
• 8:22
  up
• 8:22
  your
• 8:22
  calendar
• 8:23
  and
• 8:23
  schedule
• 8:24
  recurring
• 8:24
  time
• 8:24
  slots
• 8:25
  for
• 8:25
  these
• 8:25
  habits.
• 8:27
  The
• 8:27
  best
• 8:27
  way
• 8:27
  to
• 8:27
  do
• 8:28
  that
• 8:28
  is
• 8:28
  treat
• 8:28
  them
• 8:28
  like
• 8:29
  non
• 8:29
  negotiable
• 8:29
  appointments.
• 8:30
  For
• 8:30
  example,
• 8:30
  here's
• 8:31
  a
• 8:31
  great
• 8:31
  way
• 8:31
  to
• 8:31
  look
• 8:31
  at
• 8:31
  this.
• 8:32
  Every
• 8:33
  Sunday
• 8:33
  at
• 8:33
  7pm
• 8:34
  to
• 8:34
  7:15pm
• 8:35
  I'm
• 8:36
  going
• 8:36
  to
• 8:36
  do
• 8:36
  a
• 8:36
  weekly
• 8:37
  budget
• 8:37
  review.
• 8:37
  I'm
• 8:37
  going
• 8:37
  to
• 8:38
  go
• 8:38
  actually
• 8:38
  look
• 8:38
  at
• 8:38
  the
• 8:38
  data
• 8:39
  because
• 8:39
  a
• 8:39
  couple
• 8:39
  of
• 8:39
  things
• 8:40
  that
• 8:40
  does
• 8:40
  right
• 8:40
  it
• 8:41
  holds
• 8:41
  me
• 8:41
  accountable.
• 8:42
  I've
• 8:42
  got
• 8:43
  to
• 8:43
  go
• 8:43
  look
• 8:43
  and
• 8:43
  make
• 8:43
  sure
• 8:43
  I'm
• 8:44
  tracking
• 8:44
  my
• 8:44
  information
• 8:45
  and
• 8:45
  then
• 8:46
  I'm
• 8:46
  going
• 8:46
  to
• 8:46
  compare
• 8:46
  it
• 8:46
  to
• 8:46
  the
• 8:47
  budget
• 8:47
  I
• 8:47
  put
• 8:47
  together.
• 8:47
  So
• 8:48
  that's
• 8:48
  piece
• 8:48
  two.
• 8:49
  Do
• 8:49
  I
• 8:49
  have
• 8:50
  a
• 8:50
  budget?
• 8:50
  Have
• 8:51
  I
• 8:51
  tracked
• 8:51
  the
• 8:51
  information?
• 8:52
  Then
• 8:52
  I'm
• 8:52
  going
• 8:52
  to
• 8:52
  put
• 8:53
  it
• 8:53
  in
• 8:53
  the
• 8:53
  calendar
• 8:53
  every
• 8:54
  Sunday,
• 8:55
  7pm
• 8:55
  Just
• 8:56
  give
• 8:56
  myself
• 8:56
  15
• 8:57
  minutes
• 8:57
  and
• 8:57
  do
• 8:57
  that
• 8:58
  weekly
• 8:58
  budget
• 8:58
  review.
• 9:00
  Or
• 9:00
  maybe
• 9:00
  for
• 9:00
  you
• 9:00
  it's
• 9:01
  tracking
• 9:01
  that
• 9:01
  daily
• 9:02
  spending.
• 9:02
  Well,
• 9:02
  here's
• 9:02
  a
• 9:02
  great
• 9:03
  idea.
• 9:03
  Put
• 9:04
  a
• 9:04
  phone
• 9:04
  reminder
• 9:04
  on
• 9:05
  every
• 9:05
  night
• 9:06
  before
• 9:06
  you
• 9:06
  go
• 9:06
  to
• 9:06
  bed.
• 9:06
  The
• 9:07
  reminder
• 9:07
  goes
• 9:07
  off
• 9:07
  and
• 9:07
  say,
• 9:07
  hey,
• 9:08
  did
• 9:08
  you
• 9:08
  track
• 9:08
  your
• 9:08
  spending
• 9:09
  today?
• 9:10
  So
• 9:10
  define
• 9:11
  one
• 9:11
  or
• 9:11
  two
• 9:11
  things
• 9:12
  and
• 9:12
  then
• 9:12
  put
• 9:12
  it
• 9:12
  on
• 9:12
  your
• 9:13
  calendar.
• 9:13
  Third
• 9:13
  thing
• 9:13
  I'm
• 9:14
  going
• 9:14
  to
• 9:14
  encourage
• 9:14
  you
• 9:14
  to
• 9:15
  do
• 9:15
  is
• 9:15
  you've
• 9:16
  got
• 9:16
  listen
• 9:16
  as
• 9:16
  I
• 9:17
  record
• 9:17
  this.
• 9:17
  I'm
• 9:17
  learning
• 9:18
  to
• 9:18
  do
• 9:18
  this
• 9:18
  myself.
• 9:19
  I'm
• 9:20
  really
• 9:20
  going
• 9:20
  off
• 9:20
  script
• 9:20
  these
• 9:21
  days
• 9:21
  and
• 9:21
  if
• 9:21
  you're
• 9:21
  hearing
• 9:22
  it,
• 9:22
  I
• 9:22
  apologize.
• 9:23
  But
• 9:23
  you
• 9:23
  have
• 9:23
  to
• 9:24
  embrace
• 9:25
  imperfection
• 9:26
  and
• 9:26
  practice
• 9:27
  Grace.
• 9:29
  It's
• 9:29
  so
• 9:30
  hard
• 9:30
  for
• 9:30
  us
• 9:30
  sometimes.
• 9:32
  If
• 9:32
  you
• 9:33
  miss
• 9:33
  one
• 9:33
  of
• 9:33
  those
• 9:34
  critical
• 9:34
  factors,
• 9:35
  just
• 9:35
  pick
• 9:35
  up
• 9:35
  again
• 9:37
  and
• 9:37
  remind
• 9:38
  yourself.
• 9:38
  It's
• 9:38
  so
• 9:38
  easy
• 9:39
  as
• 9:39
  human
• 9:40
  beings
• 9:40
  to
• 9:40
  get
• 9:40
  ourselves
• 9:41
  down
• 9:41
  when
• 9:42
  we
• 9:42
  miss
• 9:42
  a
• 9:42
  day.
• 9:42
  But
• 9:42
  we
• 9:43
  one
• 9:43
  miss
• 9:43
  isn't
• 9:44
  failure,
• 9:45
  it's
• 9:46
  just
• 9:46
  not.
• 9:46
  Listen,
• 9:46
  tomorrow,
• 9:47
  if
• 9:47
  I
• 9:47
  get
• 9:47
  up
• 9:48
  tomorrow
• 9:48
  morning
• 9:48
  and
• 9:48
  I
• 9:48
  don't
• 9:48
  feel
• 9:49
  great
• 9:49
  and
• 9:49
  I
• 9:49
  don't
• 9:49
  do
• 9:49
  my
• 9:50
  cardiovascular
• 9:51
  exercise
• 9:51
  tomorrow,
• 9:52
  that's
• 9:53
  not
• 9:53
  a
• 9:53
  failure.
• 9:54
  Maybe
• 9:55
  it's
• 9:55
  a
• 9:55
  failure
• 9:55
  for
• 9:55
  that
• 9:56
  day,
• 9:56
  but
• 9:56
  I
• 9:56
  get
• 9:56
  back
• 9:57
  up
• 9:57
  the
• 9:57
  next
• 9:57
  day
• 9:58
  and
• 9:58
  the
• 9:58
  next
• 9:58
  day.
• 9:59
  See,
• 10:00
  this
• 10:00
  is
• 10:00
  all
• 10:00
  about
• 10:00
  practicing
• 10:01
  what
• 10:01
  I'll
• 10:01
  call
• 10:02
  self
• 10:02
  compassion.
• 10:04
  Have
• 10:04
  compassion
• 10:04
  for
• 10:05
  yourself.
• 10:05
  You're
• 10:05
  going
• 10:05
  to
• 10:05
  have
• 10:06
  off
• 10:06
  days
• 10:06
  financially,
• 10:07
  you're
• 10:07
  going
• 10:07
  to
• 10:08
  have
• 10:08
  off
• 10:08
  situations,
• 10:09
  but
• 10:10
  just
• 10:10
  keep
• 10:10
  going.
• 10:10
  Now
• 10:10
  the
• 10:11
  final
• 10:11
  thing
• 10:11
  I
• 10:11
  think
• 10:12
  when
• 10:12
  you
• 10:12
  which
• 10:12
  will
• 10:12
  be
• 10:12
  really
• 10:13
  helpful
• 10:13
  to
• 10:13
  you
• 10:14
  is
• 10:14
  find
• 10:14
  or
• 10:14
  maybe
• 10:15
  you
• 10:15
  already
• 10:15
  have
• 10:15
  one,
• 10:16
  Find
• 10:16
  or
• 10:16
  reconnect
• 10:17
  with
• 10:17
  accountability.
• 10:18
  I
• 10:19
  mentioned
• 10:19
  this
• 10:19
  on
• 10:19
  the
• 10:19
  show
• 10:20
  a
• 10:20
  few
• 10:20
  weeks
• 10:20
  ago.
• 10:21
  Reach
• 10:21
  out
• 10:22
  to
• 10:22
  someone
• 10:22
  you
• 10:22
  trust
• 10:23
  and
• 10:23
  share
• 10:23
  your
• 10:24
  goals
• 10:24
  and
• 10:24
  check
• 10:24
  in
• 10:24
  with
• 10:25
  them
• 10:25
  regularly.
• 10:25
  Because
• 10:25
  here's
• 10:26
  a
• 10:26
  deal,
• 10:27
  and
• 10:27
  I
• 10:28
  know
• 10:28
  this
• 10:28
  firsthand.
• 10:29
  My
• 10:29
  doctor
• 10:29
  checks
• 10:30
  in
• 10:30
  with
• 10:30
  me
• 10:30
  and
• 10:30
  he's
• 10:31
  my
• 10:31
  accountability.
• 10:31
  My
• 10:32
  watch,
• 10:32
  it
• 10:32
  tells
• 10:33
  me
• 10:33
  what
• 10:33
  my
• 10:33
  blood
• 10:33
  sugar
• 10:33
  is
• 10:34
  every
• 10:34
  five
• 10:34
  minutes.
• 10:34
  Guess
• 10:35
  what?
• 10:35
  I
• 10:35
  got
• 10:35
  a
• 10:35
  ton
• 10:35
  of
• 10:35
  accountability.
• 10:37
  The
• 10:37
  truth
• 10:37
  is
• 10:38
  accountability
• 10:39
  increases
• 10:39
  the
• 10:39
  follow
• 10:40
  through.
• 10:41
  It's
• 10:41
  going
• 10:41
  to
• 10:42
  keep
• 10:42
  you
• 10:42
  on
• 10:42
  point.
• 10:44
  Now
• 10:44
  why
• 10:44
  are
• 10:44
  all
• 10:44
  these
• 10:45
  things
• 10:45
  helping
• 10:45
  you
• 10:45
  always
• 10:46
  like
• 10:46
  to
• 10:46
  give
• 10:46
  you
• 10:46
  reasons.
• 10:47
  This
• 10:47
  helps
• 10:47
  because
• 10:47
  it
• 10:48
  addresses
• 10:48
  that
• 10:49
  inconsistency.
• 10:50
  That's
• 10:50
  the
• 10:51
  thing
• 10:51
  that
• 10:51
  makes
• 10:51
  most
• 10:51
  people
• 10:52
  fail.
• 10:52
  They're
• 10:53
  not
• 10:53
  consistent.
• 10:54
  The
• 10:55
  other
• 10:55
  thing
• 10:55
  I
• 10:55
  love
• 10:55
  about
• 10:55
  this
• 10:56
  structure
• 10:56
  is
• 10:56
  it
• 10:56
  actually
• 10:57
  brings
• 10:57
  structure.
• 10:58
  It
• 10:58
  helps
• 10:58
  you
• 10:58
  put
• 10:58
  things
• 10:59
  into
• 10:59
  a
• 10:59
  plan,
• 11:00
  into
• 11:00
  a
• 11:00
  structure.
• 11:02
  And
• 11:02
  that
• 11:03
  grace,
• 11:03
  that
• 11:03
  grace
• 11:04
  for
• 11:04
  yourself,
• 11:04
  it
• 11:04
  removes
• 11:05
  that
• 11:05
  pressure.
• 11:05
  Because
• 11:06
  you
• 11:06
  can
• 11:06
  have
• 11:06
  a
• 11:06
  bad
• 11:07
  day,
• 11:07
  you
• 11:08
  can
• 11:08
  have
• 11:08
  a
• 11:08
  bad
• 11:08
  budget
• 11:09
  day,
• 11:09
  you
• 11:09
  can
• 11:09
  go
• 11:09
  over
• 11:09
  your
• 11:10
  budget
• 11:10
  and
• 11:10
  you
• 11:10
  just
• 11:10
  have
• 11:10
  to
• 11:11
  start
• 11:11
  back.
• 11:11
  Listen,
• 11:12
  don't
• 11:12
  wait
• 11:12
  till
• 11:12
  next
• 11:13
  Monday,
• 11:13
  don't
• 11:14
  wait
• 11:14
  till
• 11:14
  the
• 11:14
  end
• 11:14
  of
• 11:14
  the
• 11:15
  month.
• 11:15
  Start
• 11:15
  back
• 11:16
  right
• 11:16
  away.
• 11:16
  As
• 11:16
  soon
• 11:16
  as
• 11:16
  you
• 11:16
  notice
• 11:17
  that
• 11:17
  you're
• 11:17
  off
• 11:17
  course,
• 11:19
  get
• 11:19
  back
• 11:19
  on
• 11:19
  track.
• 11:21
  And
• 11:21
  that
• 11:21
  accountability
• 11:22
  person,
• 11:22
  that
• 11:23
  accountability
• 11:23
  system
• 11:24
  that
• 11:24
  boost
• 11:25
  your
• 11:25
  encouragement.
• 11:25
  When
• 11:25
  I
• 11:26
  look
• 11:26
  down
• 11:26
  on
• 11:26
  my
• 11:26
  watch
• 11:26
  and
• 11:27
  my
• 11:27
  blood
• 11:27
  sugar
• 11:27
  is
• 11:27
  great,
• 11:28
  I'm
• 11:28
  like,
• 11:28
  hey,
• 11:28
  cool.
• 11:29
  And
• 11:29
  that
• 11:30
  continues
• 11:30
  that
• 11:30
  momentum
• 11:32
  because
• 11:32
  here's
• 11:32
  the
• 11:32
  truth.
• 11:33
  All
• 11:34
  these
• 11:34
  things
• 11:34
  together,
• 11:35
  they
• 11:35
  can
• 11:35
  create
• 11:35
  lasting
• 11:36
  change.
• 11:37
  And
• 11:37
  that
• 11:37
  lasting
• 11:38
  change
• 11:38
  because
• 11:38
  of
• 11:38
  that
• 11:39
  daily
• 11:39
  consistency
• 11:39
  will
• 11:40
  bring
• 11:40
  long
• 11:40
  term
• 11:41
  financial
• 11:41
  peace.
• 11:42
  Well,
• 11:42
  let's
• 11:42
  pray
• 11:43
  together.
• 11:43
  Father
• 11:44
  God,
• 11:44
  we
• 11:44
  just
• 11:44
  thank
• 11:45
  you
• 11:45
  for
• 11:45
  the
• 11:45
  grace
• 11:45
  that
• 11:45
  you
• 11:46
  extend
• 11:46
  to
• 11:46
  us
• 11:46
  each
• 11:47
  and
• 11:47
  every
• 11:47
  day.
• 11:47
  Grace
• 11:48
  we
• 11:48
  truly
• 11:48
  don't
• 11:48
  deserve.
• 11:50
  Lord,
• 11:50
  we
• 11:50
  just
• 11:50
  ask
• 11:50
  that
• 11:51
  you
• 11:51
  would
• 11:51
  help
• 11:51
  us
• 11:51
  build
• 11:51
  and
• 11:52
  help
• 11:52
  us
• 11:52
  maintain
• 11:53
  those
• 11:53
  consistent
• 11:54
  financial
• 11:54
  habits.
• 11:56
  We
• 11:56
  ask
• 11:56
  that
• 11:56
  you
• 11:56
  would
• 11:57
  strengthen
• 11:57
  our
• 11:57
  discipline
• 11:58
  and
• 11:58
  remind
• 11:58
  us
• 11:58
  to
• 11:59
  schedule
• 11:59
  what
• 11:59
  matters,
• 12:00
  Lord,
• 12:01
  and
• 12:02
  most
• 12:02
  important,
• 12:03
  teach
• 12:03
  us
• 12:03
  to
• 12:03
  give
• 12:04
  ourselves
• 12:04
  grace
• 12:05
  when
• 12:05
  we
• 12:05
  do
• 12:05
  fall
• 12:05
  short,
• 12:06
  because
• 12:06
  we
• 12:06
  are
• 12:06
  going
• 12:06
  to
• 12:07
  fall
• 12:07
  short.
• 12:07
  Lord,
• 12:08
  you
• 12:08
  told
• 12:09
  us
• 12:09
  in
• 12:09
  your
• 12:09
  word
• 12:10
  that
• 12:10
  all
• 12:10
  have
• 12:10
  sinned
• 12:11
  and
• 12:11
  fallen
• 12:11
  short.
• 12:13
  But
• 12:14
  give
• 12:14
  us
• 12:14
  that
• 12:14
  grace,
• 12:15
  Lord,
• 12:16
  and
• 12:16
  give
• 12:16
  us
• 12:16
  that
• 12:16
  courage
• 12:17
  to
• 12:17
  start
• 12:17
  again
• 12:18
  in
• 12:18
  faith.
• 12:19
  And
• 12:19
  Lord,
• 12:19
  we
• 12:19
  just
• 12:19
  thank
• 12:20
  you
• 12:20
  for
• 12:20
  the
• 12:20
  gift
• 12:20
  of
• 12:20
  accountability.
• 12:21
  Help
• 12:22
  us
• 12:22
  persevere
• 12:22
  and
• 12:23
  grow
• 12:23
  in
• 12:23
  peace.
• 12:24
  And
• 12:24
  we
• 12:24
  ask
• 12:24
  this
• 12:24
  with
• 12:25
  confidence
• 12:26
  In
• 12:26
  Jesus
• 12:27
  name,
• 12:28
  Amen.
• 12:29
  Listen,
• 12:30
  lasting
• 12:31
  financial
• 12:31
  peace
• 12:32
  doesn't
• 12:32
  come
• 12:32
  from
• 12:33
  perfection.
• 12:34
  If
• 12:34
  you're
• 12:34
  looking
• 12:35
  for
• 12:35
  perfection,
• 12:36
  you're
• 12:36
  going
• 12:36
  to
• 12:36
  be
• 12:37
  unfortunately
• 12:38
  mistaken.
• 12:38
  You're
• 12:38
  never
• 12:38
  going
• 12:39
  to
• 12:39
  find
• 12:40
  doesn't
• 12:41
  exist.
• 12:42
  But
• 12:43
  lasting
• 12:43
  financial
• 12:44
  peace
• 12:44
  does
• 12:44
  come
• 12:45
  from
• 12:45
  consistent
• 12:45
  habits.
• 12:47
  So
• 12:47
  choose
• 12:47
  your
• 12:48
  habits,
• 12:48
  schedule
• 12:48
  them
• 12:49
  and
• 12:49
  show
• 12:49
  up
• 12:49
  for
• 12:49
  them.
• 12:50
  You're
• 12:50
  building
• 12:51
  something
• 12:51
  powerful.
• 12:52
  And
• 12:52
  if
• 12:53
  you
• 12:53
  need
• 12:53
  more
• 12:53
  help,
• 12:53
  I'm
• 12:53
  going
• 12:53
  to
• 12:54
  encourage
• 12:54
  you
• 12:54
  to
• 12:54
  go
• 12:54
  to
• 12:54
  the
• 12:55
  website
• 12:55
  that's
• 12:55
  financially
• 12:56
  confidentchristian.com
• 12:58
  and
• 12:58
  I've
• 12:58
  got
• 12:58
  a
• 12:58
  special
• 12:58
  gift
• 12:59
  right
• 12:59
  there
• 12:59
  for
• 12:59
  you.
• 13:00
  For
• 13:00
  the
• 13:00
  first
• 13:00
  hundred
• 13:01
  listeners
• 13:01
  to
• 13:01
  give
• 13:02
  you
• 13:02
  a
• 13:02
  free
• 13:02
  copy
• 13:02
  of
• 13:02
  my
• 13:03
  book.
• 13:03
  It's
• 13:03
  called
• 13:03
  Mastering
• 13:04
  your
• 13:04
  Finances.
• 13:05
  You
• 13:05
  can
• 13:05
  get
• 13:05
  that
• 13:05
  by
• 13:05
  going
• 13:06
  to
• 13:06
  financiallyconfidentchristian.com
• 13:09
  master.
• 13:10
  It's
• 13:10
  a
• 13:10
  quick
• 13:10
  read,
• 13:11
  but
• 13:11
  let
• 13:11
  me
• 13:11
  just
• 13:11
  tell
• 13:11
  you
• 13:12
  right
• 13:12
  now,
• 13:12
  if
• 13:13
  you
• 13:13
  put
• 13:13
  in
• 13:13
  the
• 13:13
  time
• 13:14
  and
• 13:14
  read
• 13:14
  that
• 13:14
  it's
• 13:15
  47
• 13:15
  pages,
• 13:16
  it
• 13:17
  will
• 13:17
  directly
• 13:17
  impact
• 13:18
  you.
• 13:19
  Now,
• 13:19
  tomorrow,
• 13:19
  as
• 13:19
  we
• 13:20
  really
• 13:20
  wrap
• 13:20
  up
• 13:20
  this
• 13:20
  series,
• 13:21
  we're
• 13:21
  going
• 13:21
  to
• 13:21
  talk
• 13:21
  about
• 13:21
  how
• 13:22
  to
• 13:22
  bring
• 13:22
  all
• 13:22
  the
• 13:22
  pieces
• 13:23
  together.
• 13:23
  It's
• 13:23
  kind
• 13:24
  of
• 13:24
  like
• 13:24
  amazing.
• 13:24
  I'm
• 13:25
  going
• 13:25
  to
• 13:25
  help
• 13:25
  you
• 13:25
  put
• 13:25
  them
• 13:25
  all
• 13:25
  together
• 13:26
  over
• 13:26
  the
• 13:26
  next
• 13:26
  two
• 13:26
  episodes.
• 13:27
  So
• 13:27
  I
• 13:27
  want
• 13:27
  to
• 13:27
  encourage
• 13:28
  you.
• 13:28
  Don't
• 13:28
  miss
• 13:28
  it.
• 13:29
  Let's
• 13:29
  all
• 13:29
  go
• 13:29
  out
• 13:30
  there
• 13:30
  and
• 13:30
  be
• 13:31
  financially
• 13:32
  confident
• 13:32
  Christians.
• 13:34
  You
• 13:34
  can
• 13:34
  do
• 13:34
  this.
• 13:35
  I
• 13:36
  believe
• 13:36
  in
• 13:36
  you.
• 13:36
  Have
• 13:37
  some
• 13:37
  grace
• 13:37
  and
• 13:37
  believe
• 13:37
  in
• 13:38
  yourself.
• 13:39
  Stay
• 13:39
  financially
• 13:40
  savvy.
• 13:40
  God
• 13:41
  bless
• 13:41
  you
• 13:41
  and
• 13:41
  you
• 13:41
  have
• 13:41
  a
• 13:41
  great
• 13:42
  day
• 13:42
  today.
• 13:42
  Thank
• 13:43
  you
• 13:43
  for
• 13:43
  joining
• 13:43
  us
• 13:44
  today
• 13:44
  on
• 13:44
  the
• 13:44
  Financially
• 13:45
  Confident
• 13:46
  Christian
• 13:46
  show,
• 13:47
  where
• 13:47
  we're
• 13:47
  breaking
• 13:48
  the
• 13:48
  cycle
• 13:48
  of
• 13:48
  financial
• 13:49
  shame
• 13:49
  with
• 13:49
  confidence
• 13:50
  and
• 13:50
  FAI
• 13:50
  faith.
• 13:50
  If
• 13:51
  you
• 13:51
  found
• 13:51
  value
• 13:52
  in
• 13:52
  this
• 13:52
  episode,
• 13:53
  a
• 13:53
  simple
• 13:53
  click
• 13:54
  to
• 13:54
  subscribe
• 13:54
  means
• 13:55
  you'll
• 13:55
  be
• 13:55
  invited
• 13:55
  right
• 13:56
  back
• 13:56
  for
• 13:56
  our
• 13:56
  next
• 13:56
  conversation.
• 13:57
  And
• 13:58
  remember,
• 13:58
  financial
• 13:59
  challenges
• 14:00
  don't
• 14:00
  have
• 14:00
  to
• 14:00
  be
• 14:00
  overwhelming.
• 14:01
  Just
• 14:01
  Ask
• 14:02
  Ralph
• 14:02
  this
• 14:03
  show
• 14:03
  is
• 14:03
  a
• 14:03
  production
• 14:03
  of
• 14:04
  Ask
• 14:04
  Ralph
• 14:04
  Media
• 14:05
  and
• 14:05
  is
• 14:05
  supported
• 14:05
  by
• 14:05
  Sajio
• 14:06
  Accounting
• 14:07
  Plus.
• 14:07
  The
• 14:08
  information
• 14:08
  shared
• 14:08
  in
• 14:09
  this
• 14:09
  episode
• 14:09
  is
• 14:09
  based
• 14:09
  on
• 14:10
  data
• 14:10
  available
• 14:10
  as
• 14:11
  of
• 14:11
  the
• 14:11
  date
• 14:11
  of
• 14:11
  release.
• 14:12
  Sajio
• 14:13
  Accounting
• 14:13
  plus
• 14:14
  and
• 14:14
  Ask
• 14:15
  Ralph
• 14:15
  Media,
• 14:15
  Inc.
• 14:16
  Are
• 14:16
  under
• 14:16
  no
• 14:17
  obligation
• 14:17
  to
• 14:17
  update
• 14:18
  this
• 14:18
  content
• 14:18
  if
• 14:18
  circumstances
• 14:19
  change.
• 14:20
  Please
• 14:20
  note
• 14:21
  that
• 14:21
  applying
• 14:21
  this
• 14:22
  information
• 14:22
  to
• 14:22
  your
• 14:22
  personal
• 14:23
  situation
• 14:24
  requires
• 14:24
  careful
• 14:25
  consideration.
• 14:26
  This
• 14:26
  episode
• 14:27
  is
• 14:27
  not
• 14:27
  intended
• 14:27
  to
• 14:28
  serve
• 14:28
  as
• 14:28
  financial,
• 14:29
  tax
• 14:29
  or
• 14:30
  legal
• 14:30
  advice.
• 14:31
  Always
• 14:31
  consult
• 14:32
  your
• 14:32
  trusted
• 14:32
  tax
• 14:33
  advisor
• 14:33
  or
• 14:33
  attorney
• 14:34
  before
• 14:34
  taking
• 14:35
  action
• 14:35
  based
• 14:36
  on
• 14:36
  anything
• 14:36
  we've
• 14:37
  discussed.