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How Do I Stay Motivated When Debt Payoff Progress Feels Invisible? · Becoming Financially Confident

• 0:37
  Debt
• 0:37
  has
• 0:38
  a
• 0:38
  special
• 0:38
  way
• 0:38
  of
• 0:38
  making
• 0:39
  you
• 0:39
  feel
• 0:39
  trapped.
• 0:40
  You
• 0:40
  pay,
• 0:41
  you
• 0:42
  try,
• 0:42
  even
• 0:42
  sacrifice.
• 0:44
  And
• 0:44
  then
• 0:45
  you
• 0:45
  look
• 0:45
  again,
• 0:45
  and
• 0:45
  it
• 0:46
  feels
• 0:46
  like
• 0:46
  nothing's
• 0:46
  changed
• 0:47
  at
• 0:47
  all.
• 0:48
  It's
• 0:48
  like
• 0:48
  shoveling
• 0:49
  snow
• 0:49
  in
• 0:49
  a
• 0:49
  blizzard.
• 0:50
  We've
• 0:50
  had
• 0:50
  a
• 0:51
  few
• 0:51
  of
• 0:51
  those
• 0:51
  here
• 0:51
  in
• 0:51
  Delaware
• 0:52
  this
• 0:52
  year.
• 0:53
  You're
• 0:53
  doing
• 0:53
  the
• 0:53
  work,
• 0:54
  but
• 0:54
  you
• 0:54
  can't
• 0:54
  see
• 0:54
  the
• 0:55
  results.
• 0:56
  So
• 0:56
  if
• 0:57
  you're
• 0:57
  tired,
• 0:58
  if
• 0:58
  you're
• 0:58
  discouraged
• 0:59
  and
• 0:59
  you're
• 0:59
  tempted
• 1:00
  to
• 1:00
  quit,
• 1:01
  today
• 1:01
  isn't
• 1:02
  going
• 1:02
  to
• 1:02
  be
• 1:02
  about
• 1:02
  try
• 1:02
  harder.
• 1:04
  Today's
• 1:04
  about
• 1:04
  making
• 1:05
  progress
• 1:05
  visible
• 1:06
  again.
• 1:27
  Hello,
• 1:28
  friend.
• 1:28
  Ralph
• 1:28
  Estep
• 1:29
  Jr.
• 1:29
  Here.
• 1:30
  Welcome
• 1:30
  to
• 1:31
  Financially
• 1:31
  Confident
• 1:31
  Christian.
• 1:32
  This
• 1:33
  is
• 1:33
  the
• 1:33
  Daily
• 1:33
  show
• 1:34
  where
• 1:34
  we
• 1:34
  break
• 1:34
  that
• 1:34
  cycle
• 1:35
  of
• 1:35
  financial
• 1:35
  shame
• 1:36
  and
• 1:37
  do
• 1:37
  it
• 1:37
  with
• 1:37
  confidence.
• 1:39
  And
• 1:39
  today's
• 1:39
  topic
• 1:40
  is
• 1:40
  one
• 1:40
  of
• 1:40
  those
• 1:40
  ones
• 1:40
  that
• 1:40
  we
• 1:41
  talk
• 1:41
  about
• 1:41
  on
• 1:41
  the
• 1:41
  show,
• 1:42
  building
• 1:42
  confidence.
• 1:42
  And
• 1:43
  that's
• 1:43
  how
• 1:43
  to
• 1:43
  stay
• 1:44
  motivated
• 1:44
  when
• 1:45
  debt
• 1:45
  payoff
• 1:45
  progress
• 1:46
  feels
• 1:46
  invisible.
• 1:48
  I
• 1:48
  don't
• 1:48
  know
• 1:48
  about
• 1:49
  you,
• 1:49
  but
• 1:49
  I
• 1:49
  felt
• 1:49
  that
• 1:49
  at
• 1:50
  times.
• 1:51
  Let's
• 1:51
  get
• 1:51
  right
• 1:51
  into
• 1:51
  today's
• 1:52
  listener
• 1:52
  question.
• 1:53
  Listener
• 1:54
  writes
• 1:54
  this,
• 1:54
  Ralph,
• 1:55
  this
• 1:56
  debt
• 1:56
  follows
• 1:56
  me
• 1:57
  everywhere.
• 1:58
  It's
• 1:58
  always
• 1:59
  there.
• 2:00
  It's
• 2:00
  weighing
• 2:00
  on
• 2:01
  me.
• 2:01
  I
• 2:02
  make
• 2:02
  my
• 2:02
  payments
• 2:03
  faithfully,
• 2:04
  but
• 2:04
  the
• 2:04
  progress
• 2:05
  is
• 2:05
  so
• 2:05
  tiny,
• 2:06
  I
• 2:06
  can
• 2:06
  barely
• 2:06
  see
• 2:07
  it,
• 2:07
  and
• 2:07
  it's
• 2:07
  wearing
• 2:07
  me
• 2:08
  down.
• 2:09
  I'm
• 2:09
  so
• 2:09
  tired
• 2:10
  of
• 2:10
  feeling
• 2:10
  like
• 2:10
  I'm
• 2:11
  getting
• 2:11
  nowhere.
• 2:12
  How
• 2:13
  do
• 2:13
  I
• 2:13
  choose
• 2:13
  a
• 2:13
  payoff
• 2:14
  strategy
• 2:14
  that'll
• 2:15
  actually
• 2:15
  keep
• 2:15
  me
• 2:15
  motivated?
• 2:17
  I
• 2:17
  need
• 2:17
  to
• 2:17
  feel
• 2:17
  like
• 2:18
  I'm
• 2:18
  making
• 2:18
  real
• 2:18
  progress.
• 2:19
  I'm
• 2:20
  going
• 2:20
  to
• 2:20
  lose
• 2:20
  hope
• 2:21
  completely.
• 2:24
  I
• 2:24
  don't
• 2:24
  know
• 2:24
  about
• 2:24
  you,
• 2:24
  man,
• 2:24
  but
• 2:25
  that
• 2:25
  one
• 2:25
  hit
• 2:25
  me
• 2:26
  because
• 2:26
  it's
• 2:27
  so
• 2:27
  easy
• 2:27
  to
• 2:27
  lose
• 2:28
  hope,
• 2:29
  so
• 2:29
  easy
• 2:29
  to
• 2:30
  feel
• 2:30
  overwhelmed,
• 2:31
  especially
• 2:31
  when
• 2:31
  you're
• 2:31
  looking
• 2:31
  at
• 2:32
  this
• 2:32
  mountain
• 2:32
  of
• 2:32
  debt
• 2:32
  in
• 2:33
  front
• 2:33
  of
• 2:33
  you.
• 2:34
  But
• 2:34
  here's
• 2:34
  the
• 2:34
  truth.
• 2:35
  Motivation
• 2:36
  grows
• 2:36
  when
• 2:37
  you
• 2:37
  can
• 2:37
  measure
• 2:37
  wins.
• 2:39
  I
• 2:39
  don't
• 2:39
  know
• 2:39
  about
• 2:39
  you,
• 2:39
  but
• 2:40
  when
• 2:40
  I
• 2:40
  see
• 2:40
  something,
• 2:40
  it's
• 2:41
  a
• 2:41
  win,
• 2:41
  man.
• 2:41
  That
• 2:41
  just.
• 2:41
  That
• 2:42
  helps
• 2:42
  fuel
• 2:42
  the
• 2:42
  fire.
• 2:44
  But
• 2:44
  when
• 2:44
  progress
• 2:45
  feels
• 2:45
  invisible,
• 2:46
  our
• 2:47
  brains
• 2:47
  just
• 2:47
  go
• 2:48
  into
• 2:48
  this
• 2:48
  thought,
• 2:48
  and
• 2:49
  it's
• 2:49
  just
• 2:49
  pointless.
• 2:51
  So
• 2:51
  we
• 2:51
  don't
• 2:51
  just
• 2:52
  pay
• 2:52
  debt.
• 2:53
  The
• 2:54
  key
• 2:54
  here
• 2:54
  today
• 2:54
  is
• 2:55
  to
• 2:55
  create
• 2:55
  a
• 2:55
  system
• 2:55
  that
• 2:55
  shows
• 2:56
  you
• 2:56
  movement.
• 2:57
  Let's
• 2:58
  talk
• 2:58
  about
• 2:58
  how
• 2:58
  to
• 2:58
  do
• 2:58
  that.
• 3:00
  The
• 3:00
  first
• 3:00
  thing
• 3:00
  we've
• 3:00
  got
• 3:01
  to
• 3:01
  do,
• 3:01
  and
• 3:01
  I've
• 3:01
  talked
• 3:01
  about
• 3:01
  these
• 3:02
  on
• 3:02
  the
• 3:02
  show
• 3:02
  many
• 3:02
  times,
• 3:03
  but
• 3:03
  you've
• 3:03
  got
• 3:03
  to
• 3:04
  pick
• 3:04
  a
• 3:04
  strategy
• 3:04
  that
• 3:05
  fits
• 3:05
  your
• 3:05
  personality.
• 3:07
  There
• 3:07
  are
• 3:07
  really
• 3:07
  two
• 3:08
  main
• 3:08
  payoff
• 3:08
  pads.
• 3:09
  That's
• 3:09
  the
• 3:09
  debt
• 3:09
  snowball
• 3:10
  and
• 3:10
  the
• 3:11
  debt
• 3:11
  avalanche.
• 3:12
  Now,
• 3:12
  the
• 3:12
  debt
• 3:12
  snowball
• 3:13
  works
• 3:13
  by
• 3:13
  you
• 3:14
  pick
• 3:14
  your
• 3:14
  smallest
• 3:15
  balances
• 3:15
  first,
• 3:15
  and
• 3:16
  you
• 3:16
  have
• 3:16
  fast
• 3:16
  wins
• 3:17
  and
• 3:17
  high
• 3:17
  motivation.
• 3:18
  For
• 3:18
  a
• 3:18
  lot
• 3:18
  of
• 3:19
  people,
• 3:19
  that
• 3:19
  works.
• 3:20
  The
• 3:20
  other
• 3:20
  one's
• 3:21
  a
• 3:21
  debt
• 3:21
  avalanche.
• 3:22
  And
• 3:22
  that
• 3:23
  when
• 3:23
  you
• 3:23
  pick
• 3:23
  the
• 3:23
  highest
• 3:24
  interest
• 3:24
  first,
• 3:24
  it's
• 3:24
  sort
• 3:24
  of
• 3:25
  the
• 3:25
  best
• 3:25
  math
• 3:26
  plan.
• 3:27
  But
• 3:27
  the
• 3:27
  problem
• 3:27
  with
• 3:27
  that
• 3:27
  one,
• 3:28
  it's
• 3:28
  got
• 3:28
  a
• 3:28
  slower
• 3:28
  emotional
• 3:29
  reward.
• 3:30
  But
• 3:30
  here's
• 3:31
  the
• 3:31
  key.
• 3:32
  There
• 3:32
  is
• 3:32
  no
• 3:33
  best
• 3:33
  strategy.
• 3:35
  The
• 3:35
  best
• 3:35
  strategy
• 3:36
  is
• 3:36
  the
• 3:36
  one
• 3:36
  you'll
• 3:37
  actually
• 3:37
  stick
• 3:37
  with,
• 3:38
  the
• 3:39
  one
• 3:39
  that
• 3:39
  is
• 3:39
  going
• 3:40
  to
• 3:40
  encourage
• 3:40
  you.
• 3:41
  So
• 3:42
  if
• 3:42
  you're
• 3:42
  discouraged
• 3:43
  right
• 3:43
  now
• 3:43
  and
• 3:43
  listen,
• 3:43
  the
• 3:44
  listener
• 3:44
  question
• 3:44
  was
• 3:44
  very
• 3:45
  clear.
• 3:45
  This
• 3:45
  person
• 3:45
  is
• 3:46
  very
• 3:46
  discouraged.
• 3:48
  Start
• 3:48
  with
• 3:48
  momentum.
• 3:50
  Start
• 3:51
  with
• 3:51
  small
• 3:51
  wins.
• 3:52
  Because
• 3:52
  once
• 3:52
  you
• 3:52
  feel
• 3:52
  those
• 3:53
  small
• 3:53
  wins,
• 3:53
  it
• 3:53
  helps
• 3:54
  to
• 3:54
  rebuild
• 3:54
  hope
• 3:54
  again.
• 3:56
  Here's
• 3:56
  another
• 3:57
  thing
• 3:57
  I'm
• 3:57
  going
• 3:57
  to
• 3:57
  encourage
• 3:57
  you
• 3:57
  to
• 3:58
  do.
• 3:58
  Create
• 3:59
  a
• 3:59
  progress
• 3:59
  scoreboard.
• 4:01
  I'm
• 4:01
  a
• 4:01
  visual
• 4:02
  guy.
• 4:02
  I
• 4:03
  love
• 4:03
  visual
• 4:04
  stuff.
• 4:04
  And
• 4:05
  I
• 4:05
  think
• 4:05
  with
• 4:05
  debt
• 4:06
  it
• 4:06
  needs
• 4:06
  a
• 4:06
  visual.
• 4:07
  So
• 4:08
  I'm
• 4:08
  going
• 4:08
  to
• 4:08
  encourage
• 4:08
  you
• 4:08
  to
• 4:08
  write
• 4:09
  this
• 4:09
  on
• 4:09
  one
• 4:09
  page.
• 4:10
  Write
• 4:11
  your
• 4:11
  total
• 4:11
  debt
• 4:12
  today.
• 4:13
  Just
• 4:13
  write
• 4:13
  whatever
• 4:13
  that
• 4:14
  number
• 4:14
  is.
• 4:14
  Might
• 4:15
  be
• 4:15
  shocking,
• 4:15
  it
• 4:15
  might
• 4:16
  scare
• 4:16
  you
• 4:16
  a
• 4:16
  little
• 4:16
  bit.
• 4:17
  But
• 4:17
  then
• 4:18
  also
• 4:18
  write
• 4:18
  your
• 4:18
  total
• 4:19
  debt
• 4:19
  last
• 4:19
  month
• 4:21
  and
• 4:21
  then
• 4:21
  put
• 4:21
  the
• 4:22
  difference.
• 4:23
  Why?
• 4:25
  Even
• 4:25
  if
• 4:25
  it's
• 4:26
  only
• 4:26
  $73,
• 4:28
  that's
• 4:29
  not
• 4:29
  nothing.
• 4:30
  That's
• 4:31
  movement.
• 4:32
  You're
• 4:32
  not
• 4:32
  stuck.
• 4:33
  You're
• 4:34
  reducing
• 4:34
  the
• 4:34
  weight.
• 4:34
  Yeah,
• 4:35
  it
• 4:35
  might
• 4:35
  seem
• 4:35
  slow,
• 4:36
  but
• 4:37
  you
• 4:37
  need
• 4:37
  to
• 4:37
  see
• 4:37
  that.
• 4:38
  I
• 4:38
  think
• 4:38
  that's
• 4:38
  just
• 4:38
  a
• 4:39
  great
• 4:39
  way
• 4:39
  to
• 4:39
  do
• 4:39
  that.
• 4:40
  Here's
• 4:41
  another
• 4:41
  thing
• 4:41
  I'm
• 4:41
  going
• 4:41
  to
• 4:41
  encourage
• 4:42
  you
• 4:42
  to
• 4:42
  do.
• 4:42
  Track
• 4:43
  the
• 4:43
  principal
• 4:43
  pay,
• 4:44
  not
• 4:44
  the
• 4:44
  balance.
• 4:46
  This
• 4:46
  has
• 4:46
  been
• 4:46
  a
• 4:46
  game
• 4:47
  changer
• 4:47
  for
• 4:47
  so
• 4:47
  many
• 4:48
  people
• 4:48
  I've
• 4:48
  worked
• 4:48
  with
• 4:50
  because
• 4:50
  see
• 4:50
  that
• 4:51
  balances
• 4:51
  looking
• 4:52
  at
• 4:52
  that
• 4:52
  feel
• 4:53
  slow.
• 4:53
  And
• 4:53
  it
• 4:53
  feels
• 4:54
  slow
• 4:54
  because
• 4:54
  interest
• 4:55
  is
• 4:55
  fighting
• 4:55
  you
• 4:56
  all
• 4:56
  the
• 4:56
  way.
• 4:57
  You
• 4:57
  might
• 4:57
  be
• 4:57
  making
• 4:57
  $200
• 4:58
  payments,
• 4:59
  but
• 4:59
  190
• 5:00
  of
• 5:00
  that
• 5:00
  is
• 5:00
  interest.
• 5:01
  So
• 5:02
  track
• 5:02
  the
• 5:02
  part
• 5:02
  you
• 5:03
  can
• 5:03
  control.
• 5:04
  You
• 5:04
  can
• 5:04
  control
• 5:05
  the
• 5:05
  principal
• 5:05
  paid
• 5:06
  this
• 5:06
  month.
• 5:07
  And
• 5:07
  see,
• 5:08
  that
• 5:08
  number
• 5:08
  is
• 5:08
  proof
• 5:09
  that
• 5:09
  your
• 5:09
  work
• 5:09
  matters.
• 5:11
  And
• 5:11
  even
• 5:11
  if
• 5:11
  the
• 5:11
  balance
• 5:12
  barely
• 5:12
  moves,
• 5:14
  that
• 5:14
  principal
• 5:14
  page
• 5:15
  shows
• 5:15
  your
• 5:15
  effort
• 5:15
  is
• 5:16
  landing.
• 5:18
  Here's
• 5:18
  another
• 5:18
  thing
• 5:18
  I'm
• 5:18
  going
• 5:18
  to
• 5:18
  encourage
• 5:19
  you
• 5:19
  to
• 5:19
  do.
• 5:20
  Build
• 5:20
  some
• 5:20
  milestone
• 5:21
  celebrations.
• 5:22
  Now,
• 5:22
  I'm
• 5:22
  not
• 5:22
  telling
• 5:23
  you
• 5:23
  to
• 5:23
  do
• 5:23
  these
• 5:23
  with
• 5:23
  spending.
• 5:24
  That's
• 5:24
  not
• 5:24
  a
• 5:24
  good
• 5:24
  plan
• 5:26
  if
• 5:26
  your
• 5:26
  only
• 5:27
  reward
• 5:27
  is
• 5:27
  someday
• 5:29
  you're
• 5:29
  going
• 5:29
  to
• 5:30
  burn
• 5:30
  out.
• 5:31
  I
• 5:31
  know
• 5:32
  so
• 5:32
  many
• 5:32
  people
• 5:32
  that
• 5:32
  have
• 5:32
  tried
• 5:33
  that.
• 5:33
  Well,
• 5:33
  I'm
• 5:33
  going
• 5:33
  to
• 5:33
  get
• 5:34
  this
• 5:34
  all
• 5:34
  paid
• 5:34
  off
• 5:34
  and
• 5:34
  then
• 5:35
  someday
• 5:35
  I'll
• 5:35
  celebrate.
• 5:37
  I
• 5:37
  don't
• 5:37
  think
• 5:37
  that
• 5:37
  works.
• 5:39
  So
• 5:39
  create
• 5:39
  some
• 5:39
  mini
• 5:40
  milestones.
• 5:41
  Maybe
• 5:41
  for
• 5:41
  you
• 5:41
  it's
• 5:42
  every
• 5:42
  $250
• 5:43
  of
• 5:43
  principal
• 5:44
  paid
• 5:44
  off.
• 5:44
  You
• 5:45
  want
• 5:45
  to
• 5:45
  celebrate
• 5:46
  that
• 5:46
  or
• 5:46
  every
• 5:47
  credit
• 5:47
  card
• 5:47
  paid
• 5:47
  off
• 5:48
  or
• 5:48
  maybe
• 5:49
  just
• 5:49
  three
• 5:49
  months
• 5:50
  of
• 5:50
  consistency.
• 5:52
  Now
• 5:52
  here's
• 5:52
  the
• 5:52
  key.
• 5:53
  Celebrate
• 5:54
  without
• 5:54
  debt.
• 5:55
  Don't
• 5:56
  go
• 5:56
  run
• 5:56
  up
• 5:56
  that
• 5:56
  credit
• 5:57
  card
• 5:57
  again.
• 5:58
  You
• 5:58
  can
• 5:58
  make
• 5:58
  a
• 5:59
  favorite
• 5:59
  meal
• 5:59
  at
• 5:59
  home,
• 6:00
  maybe
• 6:01
  a
• 6:01
  free
• 6:01
  day
• 6:01
  trip.
• 6:02
  I
• 6:02
  love
• 6:03
  this
• 6:03
  idea.
• 6:03
  Of
• 6:03
  victory
• 6:04
  walk
• 6:04
  and
• 6:04
  a
• 6:04
  prayer
• 6:04
  in
• 6:05
  the
• 6:05
  garden.
• 6:06
  Maybe
• 6:06
  write
• 6:07
  yourself
• 6:07
  a
• 6:07
  handwritten
• 6:08
  note,
• 6:08
  talk
• 6:09
  about
• 6:09
  how
• 6:09
  great
• 6:09
  you've
• 6:10
  done.
• 6:10
  Or
• 6:11
  a
• 6:11
  simple
• 6:12
  posted
• 6:12
  chart
• 6:12
  that
• 6:12
  you
• 6:13
  can
• 6:13
  color
• 6:13
  in.
• 6:14
  That's
• 6:14
  why
• 6:14
  I
• 6:15
  like
• 6:15
  the
• 6:15
  visuals.
• 6:17
  See,
• 6:17
  celebration
• 6:17
  is
• 6:18
  not
• 6:18
  immature.
• 6:18
  It's
• 6:18
  not
• 6:19
  like
• 6:19
  we
• 6:19
  were
• 6:19
  kids.
• 6:19
  Remember
• 6:19
  when
• 6:20
  your
• 6:20
  kids
• 6:20
  used
• 6:20
  to
• 6:20
  get
• 6:20
  little
• 6:20
  stars
• 6:21
  if
• 6:21
  you
• 6:21
  did
• 6:21
  the
• 6:21
  right
• 6:22
  thing?
• 6:23
  But
• 6:23
  even
• 6:24
  as
• 6:24
  an
• 6:24
  adult,
• 6:24
  it's
• 6:25
  fuel
• 6:25
  for
• 6:25
  us.
• 6:26
  And
• 6:27
  finally
• 6:27
  do
• 6:27
  this.
• 6:28
  Pair
• 6:28
  your
• 6:28
  debt
• 6:29
  payments
• 6:29
  with
• 6:29
  identity,
• 6:30
  not
• 6:30
  shame.
• 6:32
  Shame
• 6:32
  tells
• 6:32
  us
• 6:33
  all.
• 6:33
  You've
• 6:33
  got
• 6:33
  yourself
• 6:34
  here
• 6:34
  now
• 6:34
  you
• 6:34
  got
• 6:34
  to
• 6:34
  fix
• 6:35
  it.
• 6:36
  But
• 6:36
  fate
• 6:36
  tells
• 6:37
  us
• 6:37
  something
• 6:37
  so
• 6:37
  much
• 6:38
  stronger.
• 6:39
  You're
• 6:39
  being
• 6:39
  renewed
• 6:40
  day
• 6:40
  by
• 6:40
  day.
• 6:41
  You're
• 6:42
  not
• 6:42
  just
• 6:42
  paying
• 6:42
  your
• 6:43
  debt
• 6:43
  off
• 6:44
  when
• 6:44
  you're
• 6:45
  doing
• 6:45
  this.
• 6:45
  You're
• 6:45
  practicing
• 6:46
  discipline.
• 6:47
  You're
• 6:47
  practicing
• 6:48
  patience.
• 6:49
  You're
• 6:49
  practicing
• 6:50
  stewardship.
• 6:51
  And
• 6:51
  hey,
• 6:51
  if
• 6:52
  you
• 6:52
  got
• 6:52
  a
• 6:52
  line
• 6:52
  of
• 6:52
  debt
• 6:52
  like
• 6:53
  a
• 6:53
  lot
• 6:53
  of
• 6:53
  us,
• 6:54
  you're
• 6:54
  practicing
• 6:55
  endurance.
• 6:56
  And
• 6:57
  yes,
• 6:57
  debt
• 6:57
  payoff
• 6:58
  is
• 6:58
  slow
• 6:58
  sometimes,
• 7:00
  but
• 7:00
  it's
• 7:00
  shaping
• 7:01
  you.
• 7:02
  And
• 7:02
  don't
• 7:03
  forget
• 7:03
  this
• 7:04
  small
• 7:04
  progress
• 7:06
  is
• 7:06
  still
• 7:07
  progress.
• 7:09
  So
• 7:09
  here's
• 7:09
  your
• 7:09
  win
• 7:10
  for
• 7:10
  today.
• 7:10
  I
• 7:11
  want
• 7:11
  you
• 7:11
  to
• 7:11
  make
• 7:11
  a
• 7:11
  one
• 7:12
  page
• 7:12
  debt
• 7:12
  scorecard.
• 7:13
  Yeah,
• 7:13
  we're
• 7:13
  going
• 7:13
  to
• 7:14
  talk
• 7:14
  about
• 7:14
  scorecards.
• 7:15
  So
• 7:16
  just
• 7:16
  write
• 7:16
  this
• 7:16
  stuff
• 7:16
  down.
• 7:16
  Write
• 7:17
  the
• 7:17
  total
• 7:17
  debt
• 7:17
  today.
• 7:18
  Write
• 7:19
  down
• 7:19
  one
• 7:19
  target
• 7:20
  payoff
• 7:21
  and
• 7:21
  one
• 7:21
  milestone
• 7:22
  celebration.
• 7:23
  And
• 7:23
  to
• 7:24
  put
• 7:24
  it
• 7:24
  where
• 7:24
  you'll
• 7:24
  see
• 7:24
  it,
• 7:25
  where
• 7:25
  you'll
• 7:26
  see
• 7:26
  it
• 7:26
  all
• 7:26
  the
• 7:26
  time.
• 7:26
  Because
• 7:26
  that's
• 7:27
  going
• 7:27
  to
• 7:27
  motivate
• 7:27
  you.
• 7:29
  Because
• 7:29
  what
• 7:29
  you
• 7:29
  see,
• 7:30
  you
• 7:31
  can
• 7:31
  stay
• 7:31
  faithful
• 7:31
  to.
• 7:32
  Which
• 7:33
  leads
• 7:33
  us
• 7:33
  to
• 7:33
  our
• 7:33
  Bible
• 7:34
  verse
• 7:34
  today
• 7:34
  comes
• 7:35
  to
• 7:35
  us
• 7:35
  from
• 7:35
  Second
• 7:35
  Corinthians,
• 7:36
  chapter
• 7:37
  4,
• 7:37
  verses
• 7:38
  16
• 7:38
  and
• 7:39
  17.
• 7:40
  Therefore,
• 7:41
  we
• 7:41
  do
• 7:41
  not
• 7:41
  lose
• 7:42
  heart.
• 7:43
  Though
• 7:43
  outwardly
• 7:44
  we
• 7:44
  are
• 7:44
  wasting
• 7:45
  away,
• 7:46
  yet
• 7:46
  inwardly
• 7:47
  we
• 7:47
  are
• 7:48
  being
• 7:48
  renewed
• 7:48
  day
• 7:48
  by
• 7:49
  day.
• 7:50
  For
• 7:50
  our
• 7:50
  light
• 7:51
  and
• 7:52
  momentary
• 7:52
  troubles
• 7:53
  are
• 7:53
  achieving
• 7:53
  for
• 7:53
  us
• 7:54
  an
• 7:54
  eternal
• 7:54
  glory
• 7:55
  that
• 7:55
  far
• 7:55
  outweighs
• 7:56
  them
• 7:56
  all.
• 7:57
  What
• 7:58
  a
• 7:58
  beautiful
• 7:58
  verse.
• 8:00
  Because
• 8:00
  even
• 8:00
  when
• 8:01
  outward
• 8:01
  progress
• 8:02
  feels
• 8:02
  slow.
• 8:02
  And
• 8:03
  listen,
• 8:03
  I
• 8:03
  get
• 8:03
  it.
• 8:03
  Been
• 8:04
  there,
• 8:04
  done
• 8:04
  that.
• 8:05
  God
• 8:06
  is
• 8:06
  building
• 8:06
  endurance
• 8:07
  and
• 8:07
  renewal
• 8:08
  inside
• 8:08
  of
• 8:08
  you
• 8:08
  every
• 8:09
  single
• 8:09
  day.
• 8:11
  Let's
• 8:11
  pray
• 8:11
  together.
• 8:13
  Lord
• 8:13
  God,
• 8:14
  my
• 8:14
  friend
• 8:15
  is
• 8:15
  tired.
• 8:16
  They've
• 8:17
  been
• 8:17
  doing
• 8:17
  the
• 8:17
  right
• 8:17
  thing
• 8:18
  and
• 8:18
  it
• 8:18
  feels
• 8:18
  like
• 8:18
  it
• 8:19
  just
• 8:19
  isn't
• 8:19
  working.
• 8:21
  So
• 8:21
  right
• 8:21
  now
• 8:21
  I
• 8:21
  ask
• 8:22
  you
• 8:22
  to
• 8:22
  strengthen
• 8:22
  them.
• 8:24
  Strengthen
• 8:24
  them
• 8:24
  today.
• 8:25
  Help
• 8:25
  them
• 8:25
  not
• 8:25
  to
• 8:26
  lose
• 8:26
  heart.
• 8:27
  Give
• 8:28
  them
• 8:28
  encouragement
• 8:29
  that
• 8:29
  they
• 8:29
  can
• 8:29
  see.
• 8:30
  Show
• 8:31
  them
• 8:31
  progress,
• 8:31
  Lord.
• 8:32
  Remind
• 8:32
  them
• 8:32
  their
• 8:33
  faithfulness
• 8:33
  matters.
• 8:35
  And
• 8:35
  we
• 8:36
  just
• 8:36
  ask
• 8:36
  that
• 8:36
  you
• 8:36
  will
• 8:37
  replace
• 8:37
  that
• 8:37
  discouragement
• 8:38
  with
• 8:38
  steady
• 8:39
  endurance
• 8:40
  and
• 8:40
  let
• 8:40
  hope
• 8:41
  rise
• 8:41
  again,
• 8:41
  one
• 8:42
  payment
• 8:42
  at
• 8:42
  a
• 8:42
  time.
• 8:43
  And
• 8:44
  we
• 8:44
  ask
• 8:44
  this
• 8:44
  in
• 8:45
  Jesus
• 8:45
  name.
• 8:47
  Amen.
• 8:49
  Friend.
• 8:49
  You're
• 8:50
  not
• 8:50
  failing.
• 8:51
  You're
• 8:52
  finishing.
• 8:53
  And
• 8:53
  you're
• 8:53
  taking
• 8:54
  one
• 8:54
  faithful
• 8:54
  step
• 8:55
  at
• 8:55
  a
• 8:55
  time.
• 8:56
  Well,
• 8:57
  let
• 8:57
  me
• 8:57
  ask
• 8:57
  you
• 8:57
  this.
• 8:57
  You
• 8:58
  got
• 8:58
  something
• 8:58
  on
• 8:58
  your
• 8:59
  mind
• 8:59
  about
• 8:59
  money?
• 9:00
  I
• 9:00
  would
• 9:00
  love
• 9:00
  to
• 9:01
  hear
• 9:01
  your
• 9:01
  voice
• 9:02
  because,
• 9:02
  yes,
• 9:03
  not
• 9:03
  only
• 9:03
  can
• 9:03
  you
• 9:03
  send
• 9:04
  me
• 9:04
  a
• 9:04
  question,
• 9:04
  you
• 9:05
  can
• 9:05
  actually
• 9:05
  record
• 9:06
  a
• 9:06
  message
• 9:07
  for
• 9:07
  me.
• 9:07
  You
• 9:08
  can
• 9:08
  do
• 9:08
  that
• 9:08
  by
• 9:08
  going
• 9:08
  to
• 9:09
  financiallyconfidentchristian.com/voicemail.
• 9:13
  You
• 9:13
  just
• 9:14
  go
• 9:14
  on
• 9:14
  that
• 9:14
  site,
• 9:15
  click
• 9:15
  the
• 9:15
  button
• 9:16
  and
• 9:16
  tell
• 9:16
  me
• 9:16
  what's
• 9:17
  on
• 9:17
  your
• 9:17
  mind.
• 9:17
  We'll
• 9:18
  put
• 9:18
  that
• 9:18
  in
• 9:18
  the
• 9:18
  show
• 9:18
  notes.
• 9:19
  You
• 9:19
  can
• 9:19
  link
• 9:19
  right
• 9:19
  to
• 9:19
  it
• 9:20
  there.
• 9:20
  But
• 9:20
  here
• 9:20
  it
• 9:20
  is
• 9:20
  again.
• 9:21
  It's
• 9:21
  financiallyconfidentChristian.com/voicemail
• 9:26
  and
• 9:27
  I
• 9:27
  just
• 9:27
  want
• 9:27
  to
• 9:27
  thank
• 9:27
  you
• 9:27
  for
• 9:28
  joining
• 9:28
  me
• 9:28
  today.
• 9:28
  I
• 9:28
  want
• 9:29
  to
• 9:29
  encourage
• 9:29
  you
• 9:29
  to
• 9:29
  stay
• 9:29
  financially
• 9:30
  savvy.
• 9:31
  May
• 9:31
  God
• 9:32
  bless
• 9:32
  you.
• 9:32
  And
• 9:33
  you
• 9:33
  have
• 9:33
  a
• 9:33
  truly
• 9:34
  great
• 9:34
  day
• 9:34
  today.