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Would a $1,000 Emergency Savings Fund Change Everything? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  had
• 0:38
  something
• 0:38
  break
• 0:39
  and
• 0:39
  you
• 0:39
  felt
• 0:39
  your
• 0:39
  stomach
• 0:40
  drop
• 0:40
  before
• 0:40
  you
• 0:40
  even
• 0:41
  knew
• 0:41
  the
• 0:41
  cost
• 0:41
  of
• 0:41
  what
• 0:42
  it
• 0:42
  was?
• 0:43
  You
• 0:43
  know
• 0:43
  the
• 0:43
  typical
• 0:43
  the
• 0:44
  car
• 0:44
  won't
• 0:44
  start,
• 0:45
  a
• 0:45
  bill
• 0:45
  shows
• 0:46
  up
• 0:46
  you
• 0:46
  weren't
• 0:46
  expecting,
• 0:47
  life
• 0:48
  happens
• 0:49
  again.
• 0:50
  And
• 0:50
  suddenly
• 0:51
  it's
• 0:51
  not
• 0:51
  just
• 0:51
  about
• 0:52
  money.
• 0:52
  It's
• 0:53
  about
• 0:53
  panic.
• 0:54
  It's
• 0:54
  about
• 0:54
  that
• 0:54
  quiet
• 0:55
  fear
• 0:55
  of
• 0:55
  how
• 0:55
  am
• 0:56
  I
• 0:56
  going
• 0:56
  to
• 0:56
  handle
• 0:56
  this?
• 0:57
  Friend,
• 0:58
  if
• 0:58
  emergencies
• 0:59
  feel
• 0:59
  overwhelming
• 1:00
  right
• 1:00
  now,
• 1:00
  you're
• 1:00
  not
• 1:01
  irresponsible,
• 1:02
  you're
• 1:02
  just
• 1:02
  unprotected.
• 1:04
  And
• 1:04
  today
• 1:04
  we're
• 1:04
  going
• 1:04
  to
• 1:04
  talk
• 1:04
  about
• 1:05
  how
• 1:05
  one
• 1:05
  simple
• 1:06
  step
• 1:06
  can
• 1:06
  change
• 1:07
  how
• 1:07
  emergencies
• 1:07
  feel
• 1:08
  without
• 1:08
  pressure
• 1:09
  or
• 1:09
  shame.
• 1:09
  As
• 1:09
  we
• 1:09
  answer
• 1:10
  this
• 1:10
  question,
• 1:11
  would
• 1:11
  a
• 1:11
  $1,000
• 1:12
  emergency
• 1:13
  savings
• 1:13
  fund
• 1:14
  change?
• 1:37
  Hey,
• 1:37
  friend.
• 1:38
  Ralph
• 1:38
  Estep
• 1:39
  Jr.
• 1:39
  Here.
• 1:39
  Welcome
• 1:40
  to
• 1:40
  the
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian
• 1:41
  show,
• 1:42
  where
• 1:42
  we
• 1:42
  learn
• 1:43
  how
• 1:43
  to
• 1:43
  walk
• 1:43
  through
• 1:43
  life
• 1:44
  and
• 1:44
  money
• 1:44
  with
• 1:44
  wisdom,
• 1:45
  with
• 1:45
  peace,
• 1:46
  and
• 1:46
  with
• 1:46
  a
• 1:47
  heart
• 1:47
  anchored
• 1:47
  in
• 1:47
  God's
• 1:48
  truth.
• 1:49
  My
• 1:49
  mission
• 1:49
  is
• 1:49
  simple
• 1:50
  to
• 1:50
  help
• 1:50
  you
• 1:51
  break
• 1:51
  the
• 1:51
  cycle
• 1:51
  of
• 1:52
  financial
• 1:52
  shame,
• 1:53
  build
• 1:53
  steady
• 1:53
  habits
• 1:54
  rooted
• 1:54
  in
• 1:54
  faith,
• 1:55
  and
• 1:55
  become
• 1:55
  the
• 1:56
  kind
• 1:56
  of
• 1:56
  believer
• 1:56
  who
• 1:56
  handles
• 1:57
  money
• 1:57
  with
• 1:57
  clarity,
• 1:58
  with
• 1:58
  confidence,
• 1:59
  and
• 1:59
  with
• 2:00
  spiritual
• 2:00
  purpose.
• 2:02
  Yesterday
• 2:02
  we
• 2:02
  talked
• 2:02
  about
• 2:03
  savings
• 2:04
  and
• 2:04
  how
• 2:04
  hard
• 2:04
  it
• 2:04
  can
• 2:04
  feel
• 2:05
  just
• 2:05
  to
• 2:05
  start.
• 2:06
  But
• 2:06
  today
• 2:07
  we're
• 2:07
  taking
• 2:07
  the
• 2:07
  next
• 2:08
  gentle
• 2:08
  step.
• 2:09
  Because
• 2:09
  before
• 2:10
  you
• 2:10
  invest,
• 2:11
  before
• 2:11
  you've
• 2:11
  got
• 2:11
  those
• 2:12
  long
• 2:12
  term
• 2:12
  goals,
• 2:12
  there's
• 2:13
  one
• 2:13
  foundation
• 2:14
  that
• 2:14
  changes
• 2:14
  everything
• 2:16
  and
• 2:16
  that's
• 2:16
  an
• 2:16
  emergency
• 2:17
  fund.
• 2:17
  Now,
• 2:17
  I'm
• 2:18
  not
• 2:18
  talking
• 2:18
  about
• 2:18
  a
• 2:18
  perfect
• 2:19
  one.
• 2:19
  I'm
• 2:19
  not
• 2:20
  talking
• 2:20
  about
• 2:20
  a
• 2:20
  massive
• 2:21
  one.
• 2:21
  I'm
• 2:22
  talking
• 2:22
  about
• 2:22
  just
• 2:23
  a
• 2:23
  beginning.
• 2:24
  A
• 2:24
  listener
• 2:25
  once
• 2:25
  asked
• 2:25
  me,
• 2:26
  ralph,
• 2:26
  why
• 2:26
  does
• 2:27
  every
• 2:27
  emergency
• 2:28
  turn
• 2:28
  into
• 2:28
  more
• 2:29
  debt?
• 2:30
  And
• 2:30
  that
• 2:30
  question
• 2:31
  matters
• 2:32
  because
• 2:32
  it's
• 2:33
  not
• 2:33
  about
• 2:33
  discipline.
• 2:34
  It's
• 2:34
  about
• 2:34
  survival.
• 2:35
  And
• 2:36
  it
• 2:36
  carries
• 2:36
  a
• 2:36
  lot
• 2:36
  of
• 2:36
  quiet
• 2:37
  stress
• 2:37
  for
• 2:38
  so
• 2:38
  many
• 2:38
  of
• 2:38
  us.
• 2:39
  And
• 2:40
  underneath
• 2:40
  that
• 2:40
  question
• 2:40
  is
• 2:41
  this
• 2:41
  feeling.
• 2:42
  I
• 2:42
  am
• 2:42
  tired
• 2:43
  of
• 2:43
  surprises
• 2:43
  wrecking
• 2:44
  my
• 2:44
  plans.
• 2:45
  I'm
• 2:46
  tired
• 2:46
  of
• 2:46
  one
• 2:46
  bad
• 2:46
  moment
• 2:47
  undoing
• 2:48
  months
• 2:48
  of
• 2:48
  effort.
• 2:49
  And
• 2:50
  I
• 2:50
  feel
• 2:50
  like
• 2:50
  I
• 2:50
  can't
• 2:51
  get
• 2:51
  ahead
• 2:51
  because
• 2:51
  something
• 2:52
  always
• 2:52
  comes
• 2:53
  up.
• 2:54
  Friend,
• 2:55
  emergencies
• 2:55
  aren't
• 2:55
  the
• 2:56
  problem.
• 2:56
  Living
• 2:57
  without
• 2:57
  a
• 2:57
  buffer
• 2:57
  is
• 2:58
  the
• 2:58
  problem.
• 2:59
  And
• 2:59
  that
• 2:59
  doesn't
• 2:59
  make
• 2:59
  you
• 3:00
  weak.
• 3:00
  It
• 3:00
  makes
• 3:00
  you
• 3:01
  human.
• 3:02
  Here's
• 3:02
  something
• 3:02
  research
• 3:03
  consistently
• 3:04
  shows
• 3:04
  us
• 3:05
  people
• 3:05
  with
• 3:05
  even
• 3:06
  a
• 3:06
  small
• 3:06
  emergency
• 3:07
  fund
• 3:07
  are
• 3:08
  far
• 3:08
  less
• 3:08
  likely
• 3:09
  to
• 3:09
  rely
• 3:09
  on
• 3:09
  credit
• 3:10
  cards.
• 3:10
  When
• 3:10
  life
• 3:11
  throws
• 3:11
  a
• 3:11
  curveball,
• 3:12
  it's
• 3:13
  not
• 3:13
  about
• 3:13
  being
• 3:14
  wealthy.
• 3:14
  It's
• 3:15
  about
• 3:15
  having
• 3:15
  space
• 3:16
  between
• 3:16
  you
• 3:16
  and
• 3:17
  panic.
• 3:18
  Over
• 3:18
  the
• 3:19
  years,
• 3:19
  I've
• 3:19
  walked
• 3:19
  with
• 3:19
  people
• 3:20
  from
• 3:20
  every
• 3:20
  income
• 3:21
  level,
• 3:21
  and
• 3:22
  I've
• 3:22
  seen
• 3:22
  this
• 3:22
  again
• 3:23
  and
• 3:23
  again.
• 3:24
  The
• 3:24
  moment
• 3:25
  someone
• 3:25
  builds
• 3:25
  their
• 3:25
  first
• 3:26
  emergency
• 3:26
  fund,
• 3:27
  their
• 3:27
  stress
• 3:27
  doesn't
• 3:28
  magically
• 3:28
  disappear,
• 3:29
  but
• 3:29
  it
• 3:30
  sure
• 3:30
  does
• 3:30
  soften.
• 3:31
  Those
• 3:31
  decisions,
• 3:32
  slow
• 3:32
  down,
• 3:33
  fear
• 3:33
  loosens
• 3:34
  its
• 3:34
  grip
• 3:35
  and
• 3:35
  peace
• 3:35
  begins
• 3:36
  to
• 3:36
  grow.
• 3:37
  I
• 3:37
  remember
• 3:37
  someone
• 3:38
  telling
• 3:38
  me
• 3:38
  their
• 3:38
  car
• 3:38
  Needed
• 3:39
  an
• 3:39
  unexpected
• 3:39
  repair.
• 3:40
  In
• 3:41
  the
• 3:41
  past
• 3:41
  that
• 3:41
  would
• 3:41
  have
• 3:41
  gone
• 3:42
  straight
• 3:42
  on
• 3:42
  a
• 3:42
  credit
• 3:42
  card.
• 3:43
  Super
• 3:43
  simple.
• 3:43
  Swiped
• 3:44
  a
• 3:44
  car.
• 3:45
  This
• 3:45
  time
• 3:46
  they
• 3:46
  had
• 3:46
  an
• 3:46
  emergency
• 3:47
  fund.
• 3:48
  Nothing
• 3:48
  fancy,
• 3:49
  just
• 3:49
  enough.
• 3:51
  And
• 3:51
  they
• 3:51
  paid
• 3:51
  that
• 3:51
  bill.
• 3:52
  They
• 3:52
  went
• 3:52
  home
• 3:52
  and
• 3:52
  they
• 3:53
  slept
• 3:53
  night
• 3:54
  without
• 3:54
  worrying
• 3:54
  about
• 3:55
  losing
• 3:55
  sleep.
• 3:56
  And
• 3:56
  they
• 3:56
  told
• 3:56
  me,
• 3:56
  Ralph,
• 3:57
  for
• 3:57
  the
• 3:57
  first
• 3:57
  time,
• 3:58
  an
• 3:58
  emergency
• 3:59
  didn't
• 3:59
  feel
• 3:59
  like
• 3:59
  a
• 4:00
  crisis
• 4:00
  anymore.
• 4:02
  So
• 4:02
  here's
• 4:02
  today's
• 4:03
  general
• 4:03
  question.
• 4:04
  What
• 4:04
  if
• 4:04
  peace
• 4:05
  doesn't
• 4:05
  come
• 4:05
  from
• 4:05
  avoiding
• 4:06
  emergencies
• 4:07
  but
• 4:07
  from
• 4:07
  being
• 4:08
  prepared
• 4:08
  for
• 4:08
  them
• 4:09
  in
• 4:09
  the
• 4:09
  first
• 4:09
  place?
• 4:10
  Let's
• 4:10
  face
• 4:10
  it,
• 4:10
  emergencies
• 4:11
  are
• 4:11
  inevitable.
• 4:13
  Let's
• 4:13
  just
• 4:13
  tell
• 4:13
  the
• 4:13
  truth.
• 4:14
  Emergencies
• 4:15
  are
• 4:15
  not
• 4:16
  if
• 4:16
  they
• 4:16
  happen,
• 4:16
  they're
• 4:17
  when
• 4:17
  they
• 4:17
  happen.
• 4:18
  That
• 4:18
  tire
• 4:19
  doesn't
• 4:19
  ask
• 4:19
  for
• 4:19
  permission.
• 4:20
  The
• 4:20
  water
• 4:21
  heater
• 4:21
  doesn't
• 4:21
  check
• 4:22
  your
• 4:22
  budget
• 4:22
  first.
• 4:23
  The
• 4:23
  kid
• 4:24
  gets
• 4:24
  sick
• 4:24
  at
• 4:24
  the
• 4:25
  worst
• 4:25
  possible
• 4:25
  time.
• 4:25
  Listen,
• 4:26
  reason
• 4:26
  kids
• 4:26
  that
• 4:27
  happens.
• 4:27
  The
• 4:28
  dog
• 4:28
  needs
• 4:28
  the
• 4:28
  vet,
• 4:29
  the
• 4:30
  job
• 4:30
  cuts
• 4:30
  your
• 4:30
  hours,
• 4:31
  the
• 4:31
  rent
• 4:31
  goes
• 4:32
  up.
• 4:32
  The
• 4:32
  fridge
• 4:33
  makes
• 4:33
  that
• 4:33
  sound.
• 4:34
  And
• 4:34
  you
• 4:34
  already
• 4:34
  know
• 4:34
  what
• 4:35
  that
• 4:35
  means.
• 4:36
  Cars
• 4:36
  break,
• 4:37
  bills
• 4:37
  show
• 4:38
  up.
• 4:38
  Life
• 4:38
  happens.
• 4:40
  And
• 4:40
  planning
• 4:40
  for
• 4:40
  that
• 4:41
  isn't
• 4:41
  being
• 4:41
  pessimistic,
• 4:42
  it's
• 4:43
  being
• 4:43
  wise.
• 4:43
  It's
• 4:44
  saying,
• 4:44
  I'm
• 4:44
  not
• 4:45
  going
• 4:45
  to
• 4:45
  act
• 4:45
  surprised
• 4:45
  by
• 4:46
  something
• 4:46
  God
• 4:46
  already
• 4:47
  warned
• 4:47
  me.
• 4:47
  This
• 4:48
  world
• 4:48
  comes
• 4:49
  with
• 4:50
  because
• 4:50
  the
• 4:50
  goal
• 4:51
  isn't
• 4:51
  to
• 4:51
  control
• 4:51
  life.
• 4:52
  The
• 4:52
  goal
• 4:52
  is
• 4:52
  to
• 4:52
  stop
• 4:53
  one
• 4:53
  hard
• 4:53
  moment
• 4:54
  from
• 4:54
  becoming
• 4:54
  a
• 4:55
  hard
• 4:55
  season.
• 4:56
  Now
• 4:56
  you
• 4:57
  noticed
• 4:57
  I
• 4:57
  said
• 4:57
  $1,000.
• 4:58
  $1,000
• 4:59
  changes
• 5:00
  the
• 5:00
  moment.
• 5:00
  Now
• 5:01
  listen,
• 5:01
  a
• 5:01
  startup
• 5:01
  emergency
• 5:02
  fund
• 5:02
  won't
• 5:02
  solve
• 5:03
  everything.
• 5:03
  And
• 5:03
  I
• 5:03
  don't
• 5:04
  expect
• 5:04
  you
• 5:04
  to
• 5:04
  get
• 5:04
  to
• 5:04
  a
• 5:05
  thousand
• 5:05
  dollars
• 5:05
  this
• 5:05
  week.
• 5:06
  It's
• 5:06
  not
• 5:07
  going
• 5:07
  to
• 5:07
  cover
• 5:07
  a
• 5:07
  major
• 5:07
  surgery,
• 5:08
  it's
• 5:09
  not
• 5:09
  going
• 5:09
  to
• 5:09
  replace
• 5:09
  the
• 5:09
  roof,
• 5:10
  and
• 5:10
  it
• 5:10
  won't
• 5:10
  fix
• 5:11
  a
• 5:11
  job
• 5:11
  loss
• 5:11
  overnight.
• 5:12
  But
• 5:13
  it
• 5:13
  does
• 5:13
  something
• 5:14
  powerful.
• 5:15
  It
• 5:15
  changes
• 5:15
  the
• 5:16
  moment.
• 5:16
  Because
• 5:17
  the
• 5:17
  moment
• 5:17
  an
• 5:17
  emergency
• 5:18
  hits,
• 5:18
  your
• 5:18
  brain
• 5:19
  goes
• 5:19
  straight
• 5:19
  into
• 5:19
  panic
• 5:20
  mode.
• 5:20
  If
• 5:20
  you're
• 5:20
  like
• 5:20
  most
• 5:21
  people
• 5:22
  and
• 5:22
  when
• 5:22
  you're
• 5:22
  in
• 5:22
  panic
• 5:23
  mode,
• 5:23
  you
• 5:23
  don't
• 5:23
  make
• 5:24
  wise
• 5:24
  choices.
• 5:25
  Panic
• 5:26
  mode
• 5:26
  says,
• 5:26
  hey,
• 5:26
  just
• 5:26
  put
• 5:26
  it
• 5:27
  on
• 5:27
  the
• 5:27
  credit
• 5:27
  card.
• 5:27
  No
• 5:28
  big
• 5:28
  deal.
• 5:28
  Panic
• 5:29
  mode
• 5:29
  says,
• 5:29
  I'll
• 5:30
  figure
• 5:30
  it
• 5:30
  out
• 5:30
  later.
• 5:31
  Panic
• 5:31
  mode
• 5:32
  says,
• 5:32
  bar
• 5:32
  from
• 5:33
  somebody.
• 5:33
  They
• 5:33
  can
• 5:33
  handle
• 5:34
  it
• 5:35
  for
• 5:35
  so
• 5:35
  many
• 5:35
  of
• 5:35
  us.
• 5:35
  Panic
• 5:36
  mode
• 5:36
  says,
• 5:36
  do
• 5:37
  whatever
• 5:37
  you
• 5:37
  have
• 5:37
  to
• 5:37
  do
• 5:37
  to
• 5:38
  get
• 5:38
  this
• 5:38
  solved.
• 5:39
  But
• 5:39
  when
• 5:40
  you've
• 5:40
  got
• 5:40
  even
• 5:40
  a
• 5:41
  thousand
• 5:41
  dollars
• 5:41
  sitting
• 5:42
  there,
• 5:42
  you
• 5:43
  can
• 5:43
  breathe.
• 5:43
  Before
• 5:43
  you
• 5:44
  decide,
• 5:45
  you
• 5:45
  can
• 5:45
  say
• 5:45
  things
• 5:45
  like,
• 5:46
  okay,
• 5:46
  we're
• 5:46
  not
• 5:46
  spiraling
• 5:47
  out
• 5:47
  of
• 5:47
  control
• 5:47
  today.
• 5:48
  We're
• 5:49
  handling
• 5:49
  this.
• 5:50
  We've
• 5:50
  got
• 5:50
  something.
• 5:51
  That
• 5:52
  little
• 5:52
  cushion
• 5:52
  turns
• 5:53
  a
• 5:53
  crisis
• 5:53
  into
• 5:54
  a
• 5:54
  problem.
• 5:54
  And
• 5:55
  guess
• 5:55
  what?
• 5:55
  Problems
• 5:56
  are
• 5:56
  solvable.
• 5:57
  And
• 5:58
  it
• 5:58
  breaks
• 5:58
  the
• 5:58
  debt
• 5:59
  cycle.
• 5:59
  Let
• 5:59
  me
• 5:59
  explain
• 6:00
  why
• 6:00
  this
• 6:00
  matters
• 6:01
  so
• 6:01
  much.
• 6:02
  Most
• 6:02
  people
• 6:02
  don't
• 6:02
  stay
• 6:03
  in
• 6:03
  debt
• 6:03
  because
• 6:03
  they're
• 6:03
  reckless.
• 6:04
  They
• 6:05
  stay
• 6:05
  in
• 6:05
  debt
• 6:05
  because
• 6:06
  life
• 6:06
  keeps
• 6:06
  Interrupting
• 6:07
  their
• 6:07
  plans.
• 6:08
  They
• 6:08
  make
• 6:09
  progress,
• 6:10
  they
• 6:10
  pay
• 6:10
  extra.
• 6:11
  They
• 6:11
  feel
• 6:11
  hopeful.
• 6:12
  And
• 6:12
  then,
• 6:12
  boom.
• 6:13
  A
• 6:13
  repair,
• 6:14
  a
• 6:14
  medical
• 6:15
  bill,
• 6:15
  a
• 6:16
  travel
• 6:16
  expense,
• 6:17
  a
• 6:17
  surprise
• 6:17
  fee.
• 6:18
  Oh,
• 6:18
  you
• 6:18
  have
• 6:19
  24
• 6:19
  hours
• 6:19
  to
• 6:19
  fix
• 6:20
  this
• 6:20
  situation.
• 6:21
  And
• 6:21
  the
• 6:22
  credit
• 6:22
  card
• 6:22
  again
• 6:22
  becomes
• 6:23
  the
• 6:23
  rescuer.
• 6:24
  Not
• 6:24
  because
• 6:24
  you
• 6:25
  wanted
• 6:25
  to,
• 6:26
  because
• 6:26
  you
• 6:26
  don't
• 6:27
  have
• 6:27
  another
• 6:27
  place
• 6:27
  for
• 6:28
  the
• 6:28
  emergency
• 6:28
  to
• 6:28
  land.
• 6:29
  So
• 6:29
  you
• 6:30
  swipe,
• 6:30
  and
• 6:31
  now
• 6:31
  you're
• 6:31
  right
• 6:31
  back
• 6:31
  where
• 6:32
  you
• 6:32
  started.
• 6:33
  But
• 6:33
  when
• 6:33
  emergencies
• 6:34
  have
• 6:34
  a
• 6:34
  place
• 6:34
  to
• 6:35
  land,
• 6:35
  credit
• 6:36
  cards
• 6:36
  lose
• 6:36
  their
• 6:36
  power.
• 6:37
  You
• 6:37
  stop
• 6:38
  saying,
• 6:38
  I
• 6:38
  guess
• 6:39
  I
• 6:39
  have
• 6:39
  no
• 6:39
  choice,
• 6:40
  and
• 6:40
  you
• 6:40
  start
• 6:40
  saying,
• 6:41
  wait
• 6:41
  a
• 6:41
  minute,
• 6:41
  I
• 6:41
  got
• 6:41
  a
• 6:41
  plan
• 6:42
  here.
• 6:43
  That
• 6:43
  alone
• 6:44
  creates
• 6:44
  breathing
• 6:44
  room.
• 6:45
  And,
• 6:45
  friend,
• 6:46
  breathing
• 6:46
  room
• 6:46
  is
• 6:46
  where
• 6:47
  momentum
• 6:47
  lives.
• 6:48
  And
• 6:49
  it
• 6:49
  grows
• 6:49
  over
• 6:49
  time.
• 6:50
  Now
• 6:50
  here's
• 6:50
  the
• 6:50
  best
• 6:50
  part
• 6:51
  that
• 6:51
  keeps
• 6:51
  people
• 6:51
  from
• 6:52
  starting.
• 6:53
  They
• 6:53
  think,
• 6:53
  well,
• 6:54
  I
• 6:54
  can't
• 6:54
  build
• 6:54
  three
• 6:55
  to
• 6:55
  six
• 6:55
  months
• 6:55
  of
• 6:55
  expenses
• 6:56
  right
• 6:56
  now.
• 6:56
  Why
• 6:56
  should
• 6:57
  I
• 6:57
  even
• 6:57
  try?
• 6:57
  It
• 6:58
  annoys
• 6:58
  me
• 6:58
  when
• 6:59
  financial
• 6:59
  gurus
• 7:00
  tell
• 7:00
  people
• 7:00
  you've
• 7:00
  got
• 7:01
  to
• 7:01
  have
• 7:01
  an
• 7:01
  emergency
• 7:01
  fund
• 7:02
  of
• 7:02
  three
• 7:02
  to
• 7:02
  six
• 7:02
  months.
• 7:03
  That's
• 7:03
  not
• 7:03
  what
• 7:03
  I'm
• 7:03
  saying
• 7:04
  at
• 7:04
  all.
• 7:04
  Because
• 7:05
  if
• 7:05
  you
• 7:05
  think
• 7:05
  that
• 7:05
  you're
• 7:06
  skipping
• 7:06
  steps.
• 7:07
  Today
• 7:07
  is
• 7:07
  not
• 7:08
  about
• 7:08
  perfection.
• 7:09
  Today
• 7:09
  is
• 7:09
  about
• 7:10
  existence.
• 7:11
  Today
• 7:11
  it
• 7:11
  just
• 7:11
  needs
• 7:12
  to
• 7:12
  be
• 7:12
  real.
• 7:12
  A
• 7:13
  real
• 7:13
  account
• 7:13
  with
• 7:14
  real
• 7:14
  dollars
• 7:15
  and
• 7:15
  a
• 7:15
  real
• 7:15
  boundary.
• 7:16
  And
• 7:16
  it
• 7:16
  can
• 7:16
  start
• 7:16
  small.
• 7:17
  Hey,
• 7:17
  25
• 7:18
  bucks
• 7:18
  a
• 7:18
  week,
• 7:19
  50
• 7:20
  a
• 7:20
  paycheck.
• 7:20
  Those
• 7:21
  roundups
• 7:21
  I
• 7:21
  talk
• 7:21
  about.
• 7:22
  Maybe
• 7:22
  you
• 7:22
  go
• 7:22
  get
• 7:23
  a
• 7:23
  side
• 7:23
  gig
• 7:23
  and
• 7:24
  put
• 7:24
  some
• 7:24
  money
• 7:24
  on
• 7:24
  deposit.
• 7:25
  Or
• 7:25
  even
• 7:25
  listen
• 7:25
  to
• 7:26
  this
• 7:26
  one.
• 7:27
  A
• 7:27
  one
• 7:27
  no
• 7:28
  a
• 7:28
  week
• 7:28
  becomes
• 7:29
  a
• 7:29
  yes
• 7:29
  to
• 7:29
  peace.
• 7:30
  And
• 7:30
  then
• 7:31
  later,
• 7:31
  when
• 7:31
  the
• 7:31
  debt
• 7:32
  shrinks,
• 7:32
  when
• 7:33
  your
• 7:33
  income
• 7:33
  grows,
• 7:34
  when
• 7:34
  you've
• 7:35
  built
• 7:35
  the
• 7:35
  habit,
• 7:36
  that
• 7:36
  starter
• 7:37
  fund
• 7:37
  becomes
• 7:37
  three
• 7:38
  months,
• 7:38
  maybe
• 7:39
  even
• 7:39
  six
• 7:39
  months.
• 7:41
  But
• 7:41
  you
• 7:41
  don't
• 7:41
  get
• 7:42
  the
• 7:42
  later
• 7:42
  without
• 7:43
  starting
• 7:43
  now.
• 7:44
  Because
• 7:44
  peace
• 7:45
  grows
• 7:45
  step
• 7:45
  by
• 7:46
  step.
• 7:46
  Not
• 7:46
  in
• 7:47
  one
• 7:47
  giant
• 7:47
  leap,
• 7:47
  not
• 7:48
  in
• 7:48
  one
• 7:48
  perfect
• 7:49
  month.
• 7:49
  Step
• 7:49
  by
• 7:50
  step,
• 7:50
  little
• 7:51
  by
• 7:51
  little.
• 7:51
  And
• 7:52
  over
• 7:52
  time,
• 7:52
  you
• 7:52
  look
• 7:53
  back
• 7:53
  and
• 7:53
  realize,
• 7:54
  I'm
• 7:55
  not
• 7:55
  living
• 7:55
  in
• 7:55
  financial
• 7:56
  fear
• 7:56
  anymore.
• 7:58
  Let's
• 7:58
  look
• 7:58
  at
• 7:58
  Proverbs,
• 7:59
  chapter
• 7:59
  21,
• 7:59
  verse
• 8:00
  20.
• 8:01
  It
• 8:01
  says,
• 8:01
  the
• 8:02
  wise
• 8:02
  store
• 8:02
  up
• 8:02
  choice
• 8:03
  food
• 8:03
  and
• 8:03
  olive
• 8:04
  oil,
• 8:04
  but
• 8:05
  fools
• 8:05
  gulp
• 8:05
  theirs
• 8:06
  down.
• 8:08
  That
• 8:08
  one
• 8:08
  stings
• 8:08
  a
• 8:09
  bit.
• 8:10
  But
• 8:10
  this
• 8:10
  verse
• 8:10
  isn't
• 8:11
  about
• 8:11
  fear.
• 8:11
  It's
• 8:11
  about
• 8:12
  wisdom.
• 8:12
  See,
• 8:13
  God
• 8:13
  honors
• 8:13
  preparation
• 8:14
  that
• 8:14
  flows
• 8:15
  from
• 8:15
  trust,
• 8:16
  not
• 8:16
  from
• 8:16
  anxiety.
• 8:17
  Let's
• 8:18
  pray
• 8:18
  together.
• 8:19
  Lord,
• 8:19
  thank
• 8:19
  you
• 8:20
  for
• 8:20
  wisdom
• 8:20
  that
• 8:20
  prepares
• 8:21
  us.
• 8:21
  Instead
• 8:21
  of
• 8:22
  panicking
• 8:22
  us,
• 8:23
  help
• 8:23
  us
• 8:23
  to
• 8:23
  store
• 8:24
  it
• 8:24
  with
• 8:24
  discipline,
• 8:25
  not
• 8:25
  pressure.
• 8:26
  Give
• 8:26
  us
• 8:26
  courage
• 8:27
  to
• 8:27
  begin
• 8:27
  and
• 8:27
  peace
• 8:28
  in
• 8:28
  knowing
• 8:28
  that
• 8:28
  you
• 8:29
  are
• 8:29
  our
• 8:29
  provider.
• 8:30
  And
• 8:31
  we
• 8:31
  ask
• 8:31
  this
• 8:31
  in
• 8:32
  Jesus
• 8:32
  name.
• 8:33
  Amen.
• 8:34
  Here's
• 8:35
  today's
• 8:35
  I
• 8:36
  want
• 8:36
  you
• 8:36
  to
• 8:36
  open
• 8:36
  a
• 8:37
  savings
• 8:37
  account,
• 8:37
  label
• 8:38
  an
• 8:38
  emergency
• 8:39
  fund,
• 8:39
  and
• 8:39
  decide
• 8:40
  that
• 8:40
  it's
• 8:40
  only
• 8:40
  for
• 8:41
  emergencies.
• 8:42
  No
• 8:42
  perfection
• 8:43
  required,
• 8:44
  just
• 8:44
  a
• 8:44
  clear
• 8:44
  start.
• 8:44
  Just
• 8:45
  drawing
• 8:45
  a
• 8:45
  line
• 8:45
  in
• 8:45
  the
• 8:46
  saying,
• 8:46
  I'm
• 8:46
  going
• 8:46
  to
• 8:46
  do
• 8:46
  this
• 8:47
  today,
• 8:48
  friend.
• 8:48
  Many
• 8:49
  people
• 8:49
  tell
• 8:49
  me
• 8:49
  this
• 8:49
  show
• 8:50
  feels
• 8:50
  safe,
• 8:51
  like
• 8:51
  a
• 8:51
  place
• 8:52
  where
• 8:52
  money
• 8:52
  struggles
• 8:53
  don't
• 8:53
  come
• 8:53
  with
• 8:53
  judgment,
• 8:54
  where
• 8:54
  progress
• 8:55
  matters
• 8:55
  more
• 8:55
  than
• 8:56
  perfection.
• 8:57
  If
• 8:57
  that's
• 8:57
  what
• 8:57
  you
• 8:58
  need
• 8:58
  right
• 8:58
  now,
• 8:58
  you're
• 8:59
  in
• 8:59
  the
• 8:59
  right
• 8:59
  place.
• 9:00
  And
• 9:00
  if
• 9:00
  you
• 9:01
  want
• 9:01
  to
• 9:01
  go
• 9:01
  even
• 9:01
  deeper,
• 9:02
  not
• 9:02
  with
• 9:02
  pressure,
• 9:03
  but
• 9:03
  with
• 9:03
  support,
• 9:03
  come
• 9:04
  join
• 9:04
  our
• 9:04
  community.
• 9:05
  Go
• 9:05
  to
• 9:05
  financiallyconfidentchristian.com/join
• 9:09
  again.
• 9:09
  That's
• 9:09
  financially
• 9:10
  confident
• 9:10
  Christian.
• 9:13
  That's
• 9:13
  where
• 9:13
  you'll
• 9:14
  find
• 9:14
  extra
• 9:14
  encouragement,
• 9:15
  some
• 9:15
  practical
• 9:15
  next
• 9:16
  steps,
• 9:16
  and
• 9:16
  people
• 9:17
  who
• 9:17
  get
• 9:17
  it
• 9:17
  because
• 9:18
  they're
• 9:18
  walking
• 9:18
  this
• 9:19
  road
• 9:19
  with
• 9:19
  you,
• 9:19
  too.
• 9:20
  Let
• 9:21
  me
• 9:21
  leave
• 9:21
  you
• 9:21
  with
• 9:21
  this.
• 9:22
  Preparation
• 9:23
  is
• 9:23
  wisdom,
• 9:24
  not
• 9:24
  fear.
• 9:25
  Small
• 9:26
  beginnings
• 9:26
  still
• 9:27
  matter,
• 9:27
  and
• 9:27
  peace
• 9:28
  is
• 9:28
  built
• 9:28
  one
• 9:29
  faithful
• 9:29
  step
• 9:29
  at
• 9:30
  a
• 9:30
  time.
• 9:31
  So
• 9:31
  today,
• 9:32
  choose
• 9:32
  to
• 9:32
  be
• 9:32
  a
• 9:33
  financially
• 9:33
  confident
• 9:34
  Christian.
• 9:34
  You
• 9:35
  can
• 9:35
  do
• 9:35
  this.
• 9:35
  Stay
• 9:36
  financially
• 9:36
  savvy.
• 9:37
  God
• 9:37
  bless
• 9:37
  you.
• 9:37
  And
• 9:38
  you
• 9:38
  have
• 9:38
  a
• 9:38
  great
• 9:38
  day
• 9:39
  today.