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Why Do I Keep Falling Back Into Debt After Paying It Off? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  if
• 0:37
  you're
• 0:38
  like
• 0:38
  so
• 0:38
  many
• 0:38
  of
• 0:38
  us,
• 0:38
  you
• 0:39
  work
• 0:39
  hard,
• 0:39
  you
• 0:40
  sacrifice,
• 0:41
  and
• 0:41
  you
• 0:41
  finally
• 0:42
  get
• 0:42
  out
• 0:42
  of
• 0:42
  debt.
• 0:43
  And
• 0:43
  when
• 0:43
  you
• 0:43
  do
• 0:43
  that,
• 0:44
  you
• 0:44
  feel
• 0:44
  this
• 0:44
  huge
• 0:45
  sigh
• 0:45
  of
• 0:45
  relief.
• 0:46
  It's
• 0:46
  a
• 0:47
  level
• 0:47
  of
• 0:47
  freedom.
• 0:48
  But
• 0:49
  then
• 0:49
  somehow,
• 0:49
  maybe
• 0:50
  just
• 0:50
  a
• 0:50
  few
• 0:50
  months
• 0:51
  later,
• 0:52
  you
• 0:52
  find
• 0:52
  yourself
• 0:52
  back
• 0:53
  in
• 0:53
  debt
• 0:53
  again.
• 0:54
  But
• 0:55
  what
• 0:55
  if
• 0:55
  that
• 0:55
  frustrating
• 0:56
  cycle
• 0:56
  could
• 0:56
  finally
• 0:57
  be
• 0:57
  broken
• 0:57
  for
• 0:57
  good?
• 0:58
  Well,
• 0:59
  I've
• 0:59
  got
• 0:59
  some
• 0:59
  answers
• 1:00
  and
• 1:00
  I'm
• 1:00
  going
• 1:00
  to
• 1:00
  share
• 1:00
  them
• 1:01
  with
• 1:01
  you
• 1:01
  on
• 1:01
  today's
• 1:02
  show.
• 1:03
  This
• 1:04
  is
• 1:04
  Financially
• 1:05
  Confident
• 1:05
  Christian,
• 1:06
  your
• 1:06
  daily
• 1:06
  dose
• 1:07
  of
• 1:07
  gospel,
• 1:07
  grounded
• 1:08
  insight
• 1:08
  and
• 1:08
  faith
• 1:09
  driven
• 1:09
  tips
• 1:10
  to
• 1:10
  help
• 1:10
  you
• 1:10
  break
• 1:10
  the
• 1:11
  cycle
• 1:11
  of
• 1:11
  financial
• 1:12
  shame
• 1:12
  with
• 1:12
  confidence.
• 1:16
  Hey
• 1:16
  there.
• 1:16
  Welcome
• 1:17
  back.
• 1:17
  My
• 1:17
  name
• 1:17
  is
• 1:18
  Ralph.
• 1:18
  This
• 1:18
  is
• 1:18
  Financially
• 1:19
  Confident
• 1:19
  Christian.
• 1:20
  Before
• 1:20
  I
• 1:20
  even
• 1:20
  get
• 1:20
  started
• 1:21
  today,
• 1:21
  I've
• 1:21
  got
• 1:22
  a
• 1:22
  very
• 1:22
  special
• 1:22
  thing
• 1:23
  I
• 1:23
  want
• 1:23
  to
• 1:23
  bring
• 1:23
  to
• 1:23
  everyone's
• 1:24
  attention.
• 1:24
  Today
• 1:25
  is
• 1:25
  my
• 1:25
  25th
• 1:26
  wedding
• 1:26
  anniversary.
• 1:27
  Yes.
• 1:27
  25
• 1:28
  years.
• 1:29
  My
• 1:29
  wife
• 1:29
  has
• 1:30
  gotten
• 1:30
  her
• 1:31
  angel
• 1:31
  wings
• 1:32
  to
• 1:32
  put
• 1:32
  up
• 1:32
  with
• 1:32
  me
• 1:32
  every
• 1:32
  day.
• 1:33
  She
• 1:33
  has
• 1:34
  done
• 1:34
  that.
• 1:34
  So
• 1:34
  I
• 1:34
  just
• 1:34
  want
• 1:35
  to
• 1:35
  wish
• 1:35
  her
• 1:35
  a
• 1:35
  very
• 1:36
  happy
• 1:36
  anniversary
• 1:37
  and
• 1:37
  tell
• 1:37
  her
• 1:38
  I
• 1:38
  appreciate
• 1:38
  you
• 1:39
  sticking
• 1:39
  along
• 1:39
  with
• 1:39
  me
• 1:39
  for
• 1:40
  this
• 1:40
  ride
• 1:40
  and
• 1:40
  I
• 1:41
  just
• 1:41
  want
• 1:41
  to
• 1:41
  thank
• 1:41
  God
• 1:41
  for
• 1:42
  helping
• 1:42
  us
• 1:42
  stay
• 1:43
  together.
• 1:43
  We've
• 1:43
  been
• 1:43
  through
• 1:44
  some
• 1:44
  trials
• 1:44
  and
• 1:44
  tribulations
• 1:45
  and
• 1:45
  if
• 1:45
  you're
• 1:45
  married,
• 1:46
  you
• 1:46
  know
• 1:46
  exactly
• 1:47
  what
• 1:47
  I'm
• 1:47
  talking
• 1:47
  about.
• 1:48
  But
• 1:48
  sweetheart,
• 1:49
  I
• 1:49
  just
• 1:49
  want
• 1:49
  to
• 1:49
  wish
• 1:50
  you
• 1:50
  a
• 1:50
  very
• 1:50
  happy
• 1:51
  anniversary
• 1:51
  today.
• 1:52
  It
• 1:52
  also
• 1:52
  happens
• 1:52
  to
• 1:52
  be
• 1:52
  my
• 1:53
  birthday
• 1:53
  and
• 1:54
  I'm
• 1:54
  ticking
• 1:54
  up
• 1:55
  there
• 1:55
  in
• 1:55
  the
• 1:55
  50s.
• 1:55
  I'm
• 1:55
  going
• 1:56
  to
• 1:56
  tell
• 1:56
  you
• 1:56
  how
• 1:56
  old
• 1:56
  I
• 1:56
  am.
• 1:57
  But
• 1:57
  I
• 1:57
  got
• 1:58
  married
• 1:58
  on
• 1:58
  my
• 1:59
  birthday,
• 1:59
  so
• 2:00
  I
• 2:00
  never
• 2:00
  forget
• 2:00
  my
• 2:00
  anniversary.
• 2:01
  So
• 2:01
  quick
• 2:02
  tip,
• 2:02
  don't
• 2:02
  forget
• 2:03
  your
• 2:03
  anniversary.
• 2:04
  All
• 2:04
  right,
• 2:04
  well,
• 2:04
  let's
• 2:04
  get
• 2:05
  back
• 2:05
  to
• 2:05
  the
• 2:05
  show.
• 2:05
  Today
• 2:05
  we're
• 2:06
  continuing
• 2:06
  in
• 2:06
  our
• 2:06
  series
• 2:07
  Breaking
• 2:08
  Financial
• 2:08
  Change.
• 2:08
  We're
• 2:08
  studying
• 2:09
  those
• 2:09
  30
• 2:10
  things
• 2:10
  that
• 2:10
  make
• 2:10
  people
• 2:11
  just
• 2:11
  suffer
• 2:12
  financially.
• 2:13
  And
• 2:13
  if
• 2:13
  you
• 2:13
  missed
• 2:13
  yesterday's
• 2:14
  show,
• 2:14
  we
• 2:15
  talked
• 2:15
  about
• 2:15
  unexpected
• 2:16
  expenses
• 2:16
  and
• 2:16
  how
• 2:17
  they
• 2:17
  can
• 2:17
  destroy
• 2:17
  our
• 2:18
  budget.
• 2:18
  Hey,
• 2:18
  we
• 2:19
  talked
• 2:19
  about
• 2:19
  how
• 2:19
  unexpected.
• 2:20
  Yes.
• 2:21
  We
• 2:21
  kind
• 2:21
  of
• 2:22
  expected
• 2:22
  they're
• 2:22
  going
• 2:22
  to
• 2:22
  happen
• 2:23
  from
• 2:23
  time
• 2:23
  to
• 2:23
  time.
• 2:23
  So
• 2:23
  if
• 2:23
  you
• 2:24
  missed
• 2:24
  the
• 2:24
  show,
• 2:24
  I'm
• 2:24
  going
• 2:24
  to
• 2:25
  encourage
• 2:25
  you
• 2:25
  to
• 2:25
  go
• 2:25
  check
• 2:25
  it
• 2:25
  out.
• 2:26
  You
• 2:26
  can
• 2:26
  find
• 2:26
  all
• 2:26
  of
• 2:26
  our
• 2:27
  episodes@financially
• 2:28
  confidentchristian.com
• 2:31
  today
• 2:31
  we're
• 2:31
  going
• 2:31
  to
• 2:31
  talk
• 2:31
  about
• 2:32
  something
• 2:32
  that
• 2:32
  so
• 2:33
  many
• 2:33
  people
• 2:33
  struggle
• 2:34
  with.
• 2:35
  I've
• 2:35
  had
• 2:35
  so
• 2:35
  many
• 2:36
  people
• 2:36
  say
• 2:36
  to
• 2:37
  me,
• 2:37
  I've
• 2:37
  do
• 2:37
  live
• 2:37
  shows.
• 2:38
  I've
• 2:38
  had
• 2:38
  people
• 2:38
  come
• 2:38
  in
• 2:39
  for
• 2:39
  counseling
• 2:39
  and
• 2:39
  they
• 2:39
  say,
• 2:40
  ralph,
• 2:40
  it
• 2:40
  seems
• 2:40
  like
• 2:40
  I
• 2:41
  finally
• 2:41
  get
• 2:41
  my
• 2:42
  debts
• 2:42
  paid
• 2:42
  off
• 2:43
  and
• 2:43
  then
• 2:43
  they
• 2:43
  start
• 2:44
  creeping
• 2:44
  right
• 2:44
  back
• 2:45
  in.
• 2:45
  Just
• 2:45
  it
• 2:45
  seems
• 2:46
  like
• 2:46
  a
• 2:46
  month
• 2:46
  or
• 2:46
  two
• 2:47
  after
• 2:47
  I've
• 2:47
  paid
• 2:47
  them
• 2:48
  off.
• 2:48
  And
• 2:48
  I
• 2:48
  can
• 2:48
  remember
• 2:48
  this
• 2:49
  myself.
• 2:49
  May
• 2:49
  tell
• 2:49
  you
• 2:49
  a
• 2:50
  personal
• 2:50
  story.
• 2:50
  I
• 2:51
  can
• 2:51
  remember
• 2:51
  it
• 2:51
  like
• 2:51
  it
• 2:52
  was
• 2:52
  yesterday.
• 2:53
  It's
• 2:53
  about
• 2:53
  21
• 2:54
  years
• 2:54
  old.
• 2:54
  I
• 2:54
  was
• 2:54
  on
• 2:54
  my
• 2:55
  way
• 2:55
  to
• 2:55
  college
• 2:55
  one
• 2:55
  morning.
• 2:56
  I
• 2:56
  was
• 2:56
  a
• 2:56
  Pontiac
• 2:57
  Firebird.
• 2:58
  And
• 2:58
  my
• 2:59
  dad
• 2:59
  had
• 2:59
  gotten
• 2:59
  me
• 2:59
  this
• 2:59
  for
• 3:00
  my
• 3:00
  17th
• 3:00
  birthday.
• 3:01
  But
• 3:01
  it
• 3:01
  was
• 3:01
  sort
• 3:01
  of
• 3:01
  my
• 3:02
  responsibility
• 3:02
  to
• 3:02
  take
• 3:03
  care
• 3:03
  of
• 3:03
  it.
• 3:03
  And
• 3:04
  I'll
• 3:04
  never
• 3:04
  forget,
• 3:04
  I
• 3:04
  went
• 3:05
  down
• 3:05
  the
• 3:05
  driveway,
• 3:05
  a
• 3:05
  long
• 3:06
  driveway,
• 3:06
  top
• 3:07
  of
• 3:07
  a
• 3:07
  hill
• 3:07
  we
• 3:07
  were
• 3:07
  going
• 3:07
  down.
• 3:08
  And
• 3:08
  I
• 3:08
  got
• 3:08
  to
• 3:08
  the
• 3:08
  road
• 3:09
  to
• 3:09
  Pueblo,
• 3:09
  on
• 3:09
  the
• 3:09
  road,
• 3:09
  and
• 3:10
  my
• 3:10
  car
• 3:10
  started
• 3:11
  puttering,
• 3:11
  and
• 3:11
  just
• 3:12
  all
• 3:12
  of
• 3:12
  a
• 3:12
  sudden,
• 3:12
  it
• 3:12
  just
• 3:13
  died.
• 3:13
  And
• 3:14
  off
• 3:14
  to
• 3:14
  the
• 3:14
  side
• 3:14
  of
• 3:15
  the
• 3:15
  road
• 3:15
  it
• 3:15
  went.
• 3:16
  Well,
• 3:16
  unfortunately
• 3:17
  for
• 3:17
  me,
• 3:17
  guess
• 3:17
  what?
• 3:18
  The
• 3:18
  engine
• 3:19
  had
• 3:19
  seized.
• 3:19
  Well,
• 3:19
  guess
• 3:19
  what
• 3:20
  I
• 3:20
  shouldn't
• 3:20
  have
• 3:20
  done.
• 3:20
  I
• 3:21
  shouldn't
• 3:21
  have
• 3:21
  neglected
• 3:22
  doing
• 3:22
  those
• 3:22
  oil
• 3:23
  changes.
• 3:23
  Well,
• 3:23
  guess
• 3:24
  what?
• 3:24
  My
• 3:24
  dad
• 3:25
  hit
• 3:25
  the
• 3:25
  roof.
• 3:26
  So
• 3:26
  he
• 3:26
  comes
• 3:26
  to
• 3:27
  me,
• 3:27
  says,
• 3:27
  son,
• 3:27
  he
• 3:27
  says,
• 3:27
  we
• 3:27
  got
• 3:28
  to
• 3:28
  get
• 3:28
  this
• 3:28
  car
• 3:28
  fixed.
• 3:28
  He
• 3:29
  said,
• 3:29
  how
• 3:29
  do
• 3:29
  you
• 3:29
  intend
• 3:29
  to
• 3:29
  pay
• 3:30
  for
• 3:30
  it?
• 3:30
  And
• 3:31
  I
• 3:31
  said,
• 3:31
  well,
• 3:31
  honestly,
• 3:33
  I'm
• 3:33
  kind
• 3:33
  of
• 3:33
  tapped
• 3:34
  out,
• 3:34
  dad.
• 3:34
  He
• 3:34
  says,
• 3:34
  what
• 3:34
  do
• 3:34
  you
• 3:35
  mean
• 3:35
  you're
• 3:35
  tapped
• 3:35
  out?
• 3:36
  He
• 3:36
  says,
• 3:36
  I
• 3:37
  know
• 3:37
  you've
• 3:37
  got
• 3:37
  a
• 3:37
  couple
• 3:37
  credit
• 3:38
  cards.
• 3:38
  I
• 3:38
  said,
• 3:38
  yeah,
• 3:38
  you
• 3:39
  know,
• 3:39
  dad,
• 3:39
  I'm
• 3:39
  tapped
• 3:39
  out.
• 3:40
  I've
• 3:40
  got
• 3:40
  those
• 3:40
  credit
• 3:40
  cards
• 3:41
  up
• 3:41
  to
• 3:41
  the
• 3:41
  max,
• 3:42
  and
• 3:42
  I'll
• 3:43
  forget
• 3:43
  it.
• 3:43
  My
• 3:43
  dad
• 3:43
  did
• 3:43
  me
• 3:43
  a
• 3:44
  huge
• 3:44
  service.
• 3:44
  He
• 3:44
  bailed
• 3:45
  me
• 3:45
  out
• 3:45
  of
• 3:45
  my
• 3:45
  credit
• 3:45
  card
• 3:46
  debt.
• 3:46
  And
• 3:46
  I
• 3:46
  said
• 3:46
  to
• 3:46
  myself,
• 3:46
  hey,
• 3:47
  I'm
• 3:47
  never
• 3:47
  going
• 3:47
  to
• 3:47
  do
• 3:47
  that
• 3:47
  again.
• 3:48
  I
• 3:48
  am
• 3:48
  never
• 3:48
  going
• 3:49
  to
• 3:49
  find
• 3:49
  myself
• 3:50
  in
• 3:50
  debt
• 3:51
  again.
• 3:51
  Let
• 3:51
  me
• 3:51
  just
• 3:52
  tell
• 3:52
  you,
• 3:52
  that's
• 3:52
  happened
• 3:53
  a
• 3:53
  couple
• 3:53
  times
• 3:53
  in
• 3:53
  my
• 3:53
  life.
• 3:53
  And
• 3:54
  if
• 3:54
  you're
• 3:54
  listening
• 3:54
  right
• 3:54
  now,
• 3:54
  you're
• 3:55
  probably
• 3:55
  saying,
• 3:55
  ralph,
• 3:55
  it's
• 3:56
  happened
• 3:56
  to
• 3:56
  me,
• 3:56
  too.
• 3:57
  Because,
• 3:57
  look,
• 3:57
  things
• 3:57
  happen.
• 3:58
  Like
• 3:58
  me.
• 3:59
  The
• 3:59
  car
• 3:59
  breaks
• 3:59
  down,
• 4:00
  you
• 4:00
  don't
• 4:01
  plan
• 4:01
  for
• 4:01
  holiday
• 4:02
  spending,
• 4:02
  and
• 4:02
  you
• 4:02
  overspend.
• 4:04
  Or
• 4:04
  maybe
• 4:04
  you
• 4:04
  just
• 4:04
  overspend
• 4:05
  in
• 4:05
  general.
• 4:06
  You
• 4:06
  swipe
• 4:06
  that
• 4:07
  card
• 4:07
  and
• 4:07
  you
• 4:07
  say
• 4:07
  to
• 4:07
  yourself,
• 4:08
  oh,
• 4:08
  just
• 4:08
  one
• 4:08
  more
• 4:09
  time,
• 4:09
  I'm
• 4:09
  going
• 4:09
  to
• 4:09
  swipe
• 4:10
  that
• 4:10
  credit
• 4:11
  card.
• 4:11
  If
• 4:12
  you're
• 4:12
  not
• 4:12
  careful,
• 4:13
  suddenly,
• 4:13
  over
• 4:13
  a
• 4:13
  little
• 4:14
  bit
• 4:14
  of
• 4:14
  time,
• 4:14
  those
• 4:15
  balances
• 4:15
  start
• 4:16
  to
• 4:16
  go
• 4:16
  back
• 4:16
  up.
• 4:16
  And
• 4:17
  I
• 4:17
  had
• 4:17
  a
• 4:17
  listener
• 4:17
  say
• 4:17
  to
• 4:18
  me,
• 4:18
  she
• 4:18
  says,
• 4:18
  ralph,
• 4:19
  why
• 4:19
  do
• 4:19
  I
• 4:19
  feel
• 4:19
  like
• 4:20
  I'm
• 4:20
  doomed
• 4:20
  in
• 4:20
  this
• 4:21
  cycle
• 4:21
  forever?
• 4:23
  I
• 4:23
  feel.
• 4:23
  I
• 4:23
  sense
• 4:24
  that
• 4:24
  struggle.
• 4:24
  I've
• 4:24
  been
• 4:25
  that
• 4:25
  several
• 4:25
  times
• 4:25
  in
• 4:26
  my
• 4:26
  life.
• 4:27
  But
• 4:27
  today,
• 4:27
  I
• 4:27
  want
• 4:27
  to
• 4:27
  start
• 4:28
  by
• 4:28
  encouraging
• 4:28
  you
• 4:28
  to
• 4:29
  do
• 4:29
  something.
• 4:30
  And
• 4:30
  I
• 4:30
  want
• 4:30
  you
• 4:30
  to
• 4:30
  really
• 4:31
  change
• 4:31
  your
• 4:31
  mindset.
• 4:32
  See,
• 4:32
  paying
• 4:33
  off
• 4:33
  debt,
• 4:33
  that's
• 4:34
  the
• 4:34
  first
• 4:34
  step,
• 4:35
  but
• 4:35
  it's
• 4:35
  not
• 4:35
  the
• 4:36
  finish
• 4:36
  line.
• 4:36
  So
• 4:36
  many
• 4:36
  people
• 4:36
  think,
• 4:37
  oh,
• 4:37
  I'm
• 4:37
  going
• 4:37
  to
• 4:37
  get
• 4:37
  that
• 4:37
  debt
• 4:38
  paid
• 4:38
  off,
• 4:38
  and
• 4:38
  I've
• 4:38
  crossed
• 4:39
  the
• 4:39
  finish
• 4:39
  line.
• 4:40
  That's
• 4:40
  only
• 4:40
  the
• 4:41
  first
• 4:41
  step.
• 4:41
  Because
• 4:42
  here's
• 4:42
  the
• 4:42
  real
• 4:42
  problem.
• 4:42
  It's
• 4:42
  Kind
• 4:43
  of
• 4:43
  like
• 4:43
  a
• 4:43
  diet.
• 4:43
  If
• 4:44
  you
• 4:44
  don't
• 4:44
  change
• 4:45
  your
• 4:45
  eating
• 4:45
  patterns,
• 4:46
  you're
• 4:47
  going
• 4:47
  to
• 4:47
  find
• 4:47
  yourself
• 4:47
  going
• 4:48
  back
• 4:48
  into
• 4:48
  being
• 4:48
  overweight
• 4:49
  again.
• 4:49
  I've
• 4:49
  been
• 4:50
  there
• 4:50
  several
• 4:50
  times
• 4:50
  in
• 4:50
  my
• 4:51
  life.
• 4:51
  What
• 4:52
  kind
• 4:52
  of
• 4:52
  works
• 4:52
  the
• 4:52
  same
• 4:52
  way
• 4:52
  with
• 4:53
  your
• 4:53
  spending
• 4:53
  habits.
• 4:54
  If
• 4:54
  you
• 4:55
  don't
• 4:55
  change
• 4:55
  your
• 4:55
  spending
• 4:56
  habits,
• 4:57
  guess
• 4:57
  what's
• 4:57
  going
• 4:57
  to
• 4:57
  happen?
• 4:58
  Debts
• 4:58
  are
• 4:59
  going
• 4:59
  to
• 4:59
  return.
• 4:59
  Because
• 4:59
  debt
• 5:00
  freedom
• 5:00
  isn't
• 5:00
  just
• 5:01
  math.
• 5:01
  I
• 5:02
  wish
• 5:02
  I
• 5:02
  could
• 5:02
  say
• 5:02
  to
• 5:02
  you,
• 5:03
  hey,
• 5:03
  it's
• 5:03
  this
• 5:03
  simple.
• 5:04
  Go
• 5:04
  pay
• 5:04
  these
• 5:04
  debts
• 5:04
  off
• 5:05
  and
• 5:05
  you're
• 5:05
  going
• 5:05
  to
• 5:05
  be
• 5:05
  done
• 5:05
  for.
• 5:05
  Life
• 5:06
  doesn't
• 5:06
  work
• 5:06
  that
• 5:06
  way.
• 5:07
  It's
• 5:07
  a
• 5:07
  mindset.
• 5:08
  And
• 5:09
  bigger
• 5:09
  than
• 5:09
  that,
• 5:09
  it's
• 5:10
  a
• 5:10
  discipline.
• 5:10
  Well,
• 5:10
  as
• 5:11
  we're
• 5:11
  talking
• 5:11
  about
• 5:11
  discipline,
• 5:12
  let's
• 5:12
  jump
• 5:12
  right
• 5:13
  into
• 5:13
  the
• 5:13
  biggest
• 5:14
  discipline
• 5:14
  book
• 5:14
  in
• 5:14
  the
• 5:15
  world.
• 5:15
  And,
• 5:15
  and
• 5:15
  that's
• 5:15
  the
• 5:16
  Bible.
• 5:16
  I've
• 5:16
  got
• 5:16
  a
• 5:16
  great
• 5:17
  Bible
• 5:17
  verse
• 5:17
  today,
• 5:18
  and
• 5:18
  this
• 5:18
  one
• 5:19
  comes
• 5:19
  to
• 5:19
  us
• 5:19
  from
• 5:19
  the
• 5:19
  book
• 5:19
  of
• 5:20
  Galatians.
• 5:20
  This
• 5:21
  is
• 5:21
  chapter
• 5:21
  five,
• 5:22
  verse
• 5:22
  one.
• 5:22
  It
• 5:23
  says
• 5:23
  this.
• 5:24
  It
• 5:24
  is
• 5:24
  for
• 5:24
  freedom
• 5:25
  that
• 5:25
  Christ
• 5:26
  has
• 5:26
  set
• 5:26
  us
• 5:26
  free.
• 5:27
  Stand
• 5:28
  firm
• 5:28
  then,
• 5:29
  and
• 5:29
  do
• 5:29
  not
• 5:29
  let
• 5:29
  yourselves
• 5:30
  be
• 5:30
  burdened
• 5:31
  again
• 5:31
  by
• 5:31
  a
• 5:31
  yoke
• 5:32
  of
• 5:32
  slavery.
• 5:33
  That
• 5:34
  is
• 5:34
  a
• 5:34
  really
• 5:34
  powerful
• 5:35
  verse,
• 5:35
  isn't
• 5:35
  it?
• 5:36
  And
• 5:36
  I
• 5:36
  can
• 5:36
  see
• 5:36
  you
• 5:37
  right
• 5:37
  now,
• 5:37
  you're
• 5:37
  thinking,
• 5:38
  man,
• 5:38
  those
• 5:39
  debts,
• 5:39
  they
• 5:39
  are
• 5:40
  a
• 5:40
  yoke
• 5:40
  of
• 5:40
  slavery.
• 5:41
  I
• 5:42
  see.
• 5:42
  Just
• 5:42
  like
• 5:42
  spiritual
• 5:43
  freedom,
• 5:44
  we
• 5:44
  have
• 5:44
  spiritual
• 5:45
  freedom.
• 5:45
  If
• 5:45
  you
• 5:45
  know
• 5:45
  Christ,
• 5:45
  you've
• 5:46
  got
• 5:46
  spiritual
• 5:46
  freedom.
• 5:47
  You
• 5:47
  had
• 5:47
  that
• 5:47
  right
• 5:48
  to
• 5:48
  make
• 5:48
  that
• 5:48
  decision.
• 5:50
  But
• 5:50
  to
• 5:50
  be
• 5:51
  spiritually
• 5:51
  free,
• 5:52
  you
• 5:52
  got
• 5:52
  to
• 5:52
  stay
• 5:52
  vigilant.
• 5:53
  Guess
• 5:54
  what?
• 5:54
  You've
• 5:54
  also
• 5:54
  got
• 5:54
  to
• 5:54
  stay
• 5:55
  vigilant
• 5:55
  to
• 5:56
  maintain
• 5:56
  your
• 5:56
  financial
• 5:57
  freedom.
• 5:58
  Because
• 5:58
  here's
• 5:59
  the
• 5:59
  truth,
• 5:59
  and
• 5:59
  I'm
• 5:59
  going
• 5:59
  to
• 5:59
  say
• 5:59
  this
• 6:00
  is
• 6:00
  kind
• 6:00
  of
• 6:00
  bold.
• 6:01
  A
• 6:01
  lot
• 6:01
  of
• 6:01
  people
• 6:01
  might
• 6:02
  not
• 6:02
  go
• 6:02
  here,
• 6:02
  but
• 6:02
  my
• 6:03
  honest
• 6:03
  goodness
• 6:04
  truth
• 6:04
  is
• 6:05
  this
• 6:05
  debt
• 6:06
  is
• 6:06
  the
• 6:07
  modern
• 6:07
  yoke
• 6:07
  of
• 6:08
  slavery.
• 6:08
  Now
• 6:08
  I
• 6:08
  know
• 6:09
  slavery's
• 6:09
  a
• 6:09
  big
• 6:10
  word
• 6:10
  to
• 6:10
  use.
• 6:10
  A
• 6:10
  lot
• 6:10
  of
• 6:11
  people
• 6:11
  may
• 6:11
  be
• 6:11
  offended
• 6:11
  by
• 6:11
  that.
• 6:12
  I
• 6:12
  don't
• 6:12
  mean
• 6:12
  any
• 6:12
  offense
• 6:13
  by
• 6:13
  that.
• 6:14
  But
• 6:14
  if
• 6:14
  you
• 6:14
  continue
• 6:15
  to
• 6:15
  put
• 6:15
  money
• 6:15
  on
• 6:16
  credit
• 6:16
  cards,
• 6:16
  you
• 6:16
  will
• 6:17
  continue
• 6:17
  to
• 6:17
  be
• 6:18
  in
• 6:18
  this
• 6:18
  yoke
• 6:19
  of
• 6:19
  debt
• 6:20
  slavery.
• 6:21
  I'm
• 6:22
  gonna
• 6:22
  encourage
• 6:22
  you
• 6:22
  right
• 6:22
  now,
• 6:23
  if
• 6:23
  you
• 6:23
  really
• 6:23
  want
• 6:23
  to
• 6:24
  get
• 6:24
  past
• 6:24
  this,
• 6:24
  the
• 6:24
  main
• 6:25
  thing
• 6:25
  you've
• 6:25
  got
• 6:25
  to
• 6:25
  do
• 6:26
  is
• 6:26
  you've
• 6:26
  got
• 6:26
  to
• 6:27
  stand
• 6:27
  firm
• 6:27
  and
• 6:28
  you've
• 6:28
  got
• 6:28
  to
• 6:28
  protect
• 6:29
  your
• 6:29
  hard
• 6:29
  won
• 6:30
  progress.
• 6:31
  For
• 6:31
  example,
• 6:32
  so
• 6:32
  many
• 6:32
  people
• 6:33
  I
• 6:33
  know,
• 6:33
  they
• 6:33
  pay
• 6:33
  off
• 6:33
  that
• 6:34
  credit
• 6:34
  card.
• 6:34
  Listen
• 6:34
  to
• 6:34
  this
• 6:34
  one.
• 6:35
  It's
• 6:35
  a
• 6:35
  crazy
• 6:35
  story.
• 6:36
  I
• 6:36
  had
• 6:36
  a
• 6:36
  client
• 6:36
  tell
• 6:37
  me
• 6:37
  this.
• 6:37
  They
• 6:38
  had
• 6:38
  worked
• 6:38
  so
• 6:38
  hard
• 6:39
  to
• 6:39
  pay
• 6:39
  off
• 6:39
  this
• 6:39
  credit
• 6:40
  card
• 6:40
  and
• 6:40
  they
• 6:40
  wanted
• 6:40
  to
• 6:41
  celebrate.
• 6:41
  So
• 6:41
  what
• 6:41
  do
• 6:41
  they
• 6:41
  do?
• 6:42
  They
• 6:42
  went
• 6:42
  and
• 6:43
  charged
• 6:43
  up
• 6:43
  their
• 6:43
  credit
• 6:44
  card
• 6:44
  in
• 6:44
  celebration.
• 6:45
  Totally
• 6:45
  wiped
• 6:46
  out
• 6:46
  their
• 6:46
  progress.
• 6:47
  I
• 6:47
  have
• 6:47
  another
• 6:48
  friend,
• 6:48
  she
• 6:49
  had
• 6:49
  paid
• 6:49
  off
• 6:49
  all
• 6:49
  of
• 6:50
  her
• 6:50
  credit
• 6:50
  cards.
• 6:51
  She
• 6:51
  paid
• 6:51
  off
• 6:51
  a
• 6:51
  furniture
• 6:52
  loan
• 6:52
  that
• 6:52
  she
• 6:52
  had.
• 6:53
  Next
• 6:53
  thing
• 6:53
  you
• 6:54
  know,
• 6:54
  she's
• 6:54
  out
• 6:54
  shopping.
• 6:55
  Oh,
• 6:55
  I'm
• 6:55
  gonna
• 6:55
  get
• 6:55
  a
• 6:55
  new
• 6:55
  refrigerator.
• 6:56
  What
• 6:56
  did
• 6:57
  she
• 6:57
  do?
• 6:57
  The
• 6:57
  clerk
• 6:58
  at
• 6:58
  the
• 6:58
  front
• 6:58
  checkout
• 6:59
  at
• 6:59
  the
• 6:59
  Lowe's,
• 7:00
  I
• 7:00
  think
• 7:00
  it
• 7:00
  was
• 7:00
  a
• 7:00
  local
• 7:01
  home
• 7:01
  repair
• 7:01
  store,
• 7:02
  said,
• 7:02
  hey,
• 7:02
  you
• 7:02
  know
• 7:02
  what?
• 7:03
  We've
• 7:03
  got
• 7:03
  one
• 7:03
  year,
• 7:04
  same
• 7:04
  as
• 7:04
  cash.
• 7:04
  I've
• 7:05
  done
• 7:05
  many
• 7:05
  shows
• 7:05
  on
• 7:05
  that.
• 7:05
  Don't
• 7:06
  fall
• 7:06
  for
• 7:06
  that
• 7:06
  trap.
• 7:07
  Now,
• 7:07
  you
• 7:07
  can
• 7:07
  do
• 7:07
  it
• 7:08
  if
• 7:08
  you're
• 7:08
  going
• 7:08
  to
• 7:08
  be
• 7:08
  vigilant
• 7:09
  about
• 7:09
  it.
• 7:09
  But
• 7:09
  next
• 7:10
  thing
• 7:10
  you
• 7:10
  know,
• 7:10
  she's
• 7:10
  in
• 7:10
  debt
• 7:11
  again.
• 7:12
  And
• 7:12
  she
• 7:12
  finally
• 7:12
  said
• 7:13
  to
• 7:13
  me,
• 7:13
  she
• 7:13
  said,
• 7:13
  ralph,
• 7:13
  you
• 7:14
  know
• 7:14
  what
• 7:14
  it
• 7:14
  took?
• 7:14
  It
• 7:14
  finally
• 7:15
  took
• 7:15
  me
• 7:15
  understanding
• 7:16
  that
• 7:16
  I
• 7:16
  broke
• 7:17
  the
• 7:17
  cycle
• 7:18
  of
• 7:18
  debt
• 7:18
  when
• 7:19
  I
• 7:19
  stopped
• 7:19
  relying
• 7:20
  on
• 7:20
  credit
• 7:20
  completely.
• 7:21
  See,
• 7:21
  that's
• 7:21
  the
• 7:21
  key
• 7:22
  to
• 7:22
  this
• 7:22
  whole
• 7:22
  thing.
• 7:23
  If
• 7:23
  you're
• 7:23
  going
• 7:23
  to
• 7:23
  rely
• 7:24
  on
• 7:24
  credit
• 7:25
  to
• 7:25
  fund
• 7:25
  your
• 7:25
  life,
• 7:26
  you
• 7:27
  are
• 7:27
  going
• 7:27
  to
• 7:27
  be
• 7:27
  stuck
• 7:28
  in
• 7:28
  this
• 7:29
  constant
• 7:29
  cycle
• 7:30
  of
• 7:30
  debt.
• 7:31
  So
• 7:32
  here's
• 7:32
  my
• 7:32
  practical
• 7:32
  solution
• 7:33
  today.
• 7:33
  You
• 7:33
  got
• 7:33
  to
• 7:33
  shift
• 7:34
  your
• 7:34
  focus
• 7:34
  from
• 7:34
  payoff
• 7:35
  to
• 7:35
  protection.
• 7:36
  And
• 7:36
  you've
• 7:36
  got
• 7:36
  to
• 7:37
  build
• 7:37
  some
• 7:37
  guardrails
• 7:38
  to
• 7:38
  keep
• 7:38
  yourself
• 7:39
  from
• 7:39
  sliding
• 7:39
  back.
• 7:40
  So
• 7:40
  here's
• 7:40
  my
• 7:41
  one
• 7:41
  action
• 7:41
  step
• 7:41
  for
• 7:42
  today
• 7:42
  to
• 7:42
  really
• 7:42
  help
• 7:43
  you
• 7:43
  break
• 7:44
  that
• 7:44
  yoke
• 7:44
  of
• 7:45
  debt
• 7:45
  slavery.
• 7:46
  I'm
• 7:46
  going
• 7:46
  to
• 7:46
  tell
• 7:46
  you
• 7:46
  right
• 7:46
  now,
• 7:47
  and
• 7:47
  it's
• 7:47
  going
• 7:47
  to
• 7:47
  be
• 7:47
  a
• 7:47
  little
• 7:47
  bit
• 7:48
  bold.
• 7:48
  Cut
• 7:48
  those
• 7:48
  credit
• 7:49
  cards
• 7:49
  up
• 7:49
  if
• 7:49
  you
• 7:49
  have
• 7:50
  to.
• 7:50
  I've
• 7:50
  had
• 7:51
  people
• 7:51
  to
• 7:51
  tell
• 7:51
  me,
• 7:51
  ralph,
• 7:51
  you
• 7:51
  know,
• 7:52
  I
• 7:52
  did.
• 7:52
  I
• 7:52
  took
• 7:52
  and
• 7:52
  I
• 7:53
  froze
• 7:53
  my
• 7:53
  credit
• 7:53
  cards
• 7:54
  in
• 7:54
  a
• 7:54
  block
• 7:54
  of
• 7:54
  ice,
• 7:55
  Talking
• 7:55
  about
• 7:55
  removing
• 7:56
  that
• 7:56
  easy
• 7:56
  temptation.
• 7:57
  We
• 7:58
  talked
• 7:58
  yesterday
• 7:58
  about
• 7:59
  building
• 7:59
  that
• 7:59
  emergency
• 8:00
  fund
• 8:00
  that
• 8:00
  can
• 8:01
  be
• 8:01
  huge
• 8:01
  to
• 8:01
  help
• 8:01
  you
• 8:02
  break
• 8:02
  out
• 8:02
  of
• 8:02
  debt.
• 8:03
  You
• 8:03
  build
• 8:03
  that
• 8:03
  buffer
• 8:04
  against
• 8:04
  those
• 8:05
  surprise
• 8:05
  expenses.
• 8:07
  When
• 8:07
  you
• 8:07
  do
• 8:07
  that
• 8:08
  budget,
• 8:08
  what
• 8:08
  I'll
• 8:08
  call
• 8:09
  intentional
• 8:09
  spending
• 8:10
  plan,
• 8:11
  make
• 8:11
  sure
• 8:11
  you
• 8:11
  do
• 8:12
  it
• 8:12
  with
• 8:12
  reality
• 8:13
  in
• 8:13
  mind.
• 8:13
  So
• 8:13
  many
• 8:14
  people
• 8:14
  build
• 8:14
  a
• 8:14
  budget,
• 8:14
  they
• 8:15
  build
• 8:15
  their
• 8:15
  pie
• 8:16
  in
• 8:16
  the
• 8:16
  sky,
• 8:16
  but
• 8:16
  it
• 8:16
  doesn't
• 8:17
  reflect
• 8:17
  the
• 8:17
  reality
• 8:17
  of
• 8:17
  their
• 8:18
  lives.
• 8:18
  It
• 8:18
  doesn't
• 8:18
  consider
• 8:19
  holidays.
• 8:20
  It
• 8:20
  doesn't
• 8:20
  consider
• 8:21
  birthdays
• 8:21
  or
• 8:21
  those
• 8:22
  unexpected
• 8:23
  car
• 8:23
  repairs.
• 8:24
  So
• 8:24
  if
• 8:24
  you're
• 8:25
  going
• 8:25
  to
• 8:25
  take
• 8:25
  the
• 8:25
  time
• 8:26
  to
• 8:26
  build
• 8:26
  that
• 8:27
  intentional
• 8:28
  spending
• 8:28
  plan,
• 8:29
  make
• 8:29
  sure
• 8:29
  you
• 8:29
  do
• 8:30
  it
• 8:30
  with
• 8:30
  a
• 8:30
  dose
• 8:30
  of
• 8:30
  reality.
• 8:31
  Look
• 8:31
  at
• 8:31
  where
• 8:31
  you're
• 8:31
  really
• 8:31
  spending
• 8:32
  your
• 8:32
  money.
• 8:33
  It's
• 8:33
  probably
• 8:33
  the
• 8:33
  biggest
• 8:34
  struggle
• 8:34
  I
• 8:34
  see
• 8:34
  people
• 8:35
  falling
• 8:35
  into
• 8:36
  that
• 8:36
  debt
• 8:36
  cycle
• 8:37
  is
• 8:37
  they
• 8:37
  didn't
• 8:38
  budget
• 8:38
  in
• 8:39
  reality.
• 8:39
  And
• 8:40
  one
• 8:40
  more
• 8:40
  final
• 8:40
  thing
• 8:40
  I'm
• 8:40
  going
• 8:41
  to
• 8:41
  encourage
• 8:41
  you
• 8:41
  to
• 8:41
  do
• 8:41
  is
• 8:42
  find
• 8:42
  an
• 8:42
  accountability
• 8:43
  partner.
• 8:43
  Find
• 8:44
  somebody
• 8:44
  to
• 8:44
  check
• 8:44
  in
• 8:44
  with,
• 8:45
  because
• 8:45
  that
• 8:45
  can
• 8:45
  truly
• 8:46
  help
• 8:46
  you
• 8:46
  break
• 8:47
  this
• 8:47
  cycle.
• 8:48
  Because
• 8:48
  here's
• 8:48
  the
• 8:48
  truth.
• 8:49
  Freedom
• 8:49
  isn't
• 8:50
  one
• 8:50
  time.
• 8:51
  It's
• 8:52
  not
• 8:52
  one
• 8:52
  time.
• 8:52
  It's
• 8:52
  just
• 8:52
  like
• 8:52
  A
• 8:53
  diet.
• 8:53
  I've
• 8:53
  lost
• 8:53
  a
• 8:54
  ton
• 8:54
  of
• 8:54
  weight
• 8:54
  over
• 8:54
  the
• 8:54
  past
• 8:55
  few
• 8:55
  years.
• 8:56
  It's
• 8:56
  not
• 8:56
  today
• 8:57
  I'm
• 8:57
  going
• 8:57
  to
• 8:57
  decide.
• 8:58
  It's
• 8:58
  a
• 8:58
  day
• 8:58
  in
• 8:59
  and
• 8:59
  day
• 8:59
  out.
• 8:59
  What
• 8:59
  that
• 9:00
  is.
• 9:00
  It's
• 9:00
  a
• 9:00
  lifestyle.
• 9:01
  How
• 9:01
  about
• 9:02
  we
• 9:02
  pray
• 9:02
  together?
• 9:03
  Lord,
• 9:03
  we
• 9:03
  just
• 9:03
  thank
• 9:04
  you
• 9:04
  today
• 9:04
  for
• 9:04
  freedom.
• 9:05
  We
• 9:06
  thank
• 9:06
  you
• 9:06
  for
• 9:06
  freedom
• 9:06
  both
• 9:07
  spiritually
• 9:07
  and
• 9:08
  financially,
• 9:08
  Lord.
• 9:09
  But
• 9:09
  you
• 9:10
  know,
• 9:10
  we
• 9:10
  struggle
• 9:10
  with
• 9:10
  this,
• 9:11
  Lord.
• 9:11
  We're
• 9:11
  humans.
• 9:11
  We're
• 9:12
  flesh.
• 9:12
  And
• 9:13
  we
• 9:13
  just
• 9:13
  need
• 9:13
  you.
• 9:13
  We
• 9:13
  ask
• 9:14
  that
• 9:14
  you
• 9:14
  would
• 9:14
  grant
• 9:14
  us
• 9:15
  strength,
• 9:15
  Lord,
• 9:15
  to
• 9:16
  resist
• 9:16
  sliding
• 9:17
  back
• 9:17
  into
• 9:17
  those
• 9:18
  cycles
• 9:19
  of
• 9:19
  debt,
• 9:19
  Lord.
• 9:20
  Help
• 9:20
  us
• 9:20
  to
• 9:20
  be
• 9:20
  intentional
• 9:21
  in
• 9:21
  our
• 9:21
  spending,
• 9:22
  Lord.
• 9:22
  Help
• 9:23
  us
• 9:23
  to
• 9:23
  not
• 9:23
  live
• 9:24
  on
• 9:24
  that
• 9:24
  debt
• 9:24
  cycle.
• 9:25
  We
• 9:26
  ask
• 9:26
  you
• 9:26
  for
• 9:26
  your
• 9:27
  wisdom,
• 9:27
  Lord,
• 9:27
  to
• 9:28
  help
• 9:28
  us
• 9:28
  build
• 9:28
  new
• 9:29
  habits.
• 9:29
  And.
• 9:30
  And
• 9:30
  we
• 9:30
  ask
• 9:30
  this
• 9:30
  in
• 9:30
  confidence
• 9:31
  in
• 9:31
  the
• 9:31
  name
• 9:31
  of
• 9:31
  Jesus,
• 9:33
  Amen.
• 9:34
  You
• 9:34
  don't
• 9:34
  have
• 9:34
  to
• 9:34
  live
• 9:34
  in
• 9:35
  that
• 9:35
  cycle
• 9:35
  anymore.
• 9:35
  If
• 9:36
  you
• 9:36
  hear
• 9:36
  nothing
• 9:36
  else
• 9:37
  I
• 9:37
  say
• 9:37
  today,
• 9:37
  you
• 9:38
  can
• 9:38
  break
• 9:38
  out
• 9:39
  of
• 9:39
  this
• 9:39
  cycle.
• 9:40
  What
• 9:40
  you
• 9:40
  need
• 9:40
  to
• 9:40
  do
• 9:41
  is
• 9:41
  you
• 9:41
  need
• 9:41
  to
• 9:41
  stand
• 9:41
  firm
• 9:42
  and
• 9:42
  you
• 9:42
  need
• 9:42
  to
• 9:43
  protect
• 9:43
  the
• 9:43
  freedom
• 9:43
  that
• 9:43
  you've
• 9:44
  worked
• 9:44
  so
• 9:44
  hard
• 9:44
  for.
• 9:45
  Don't
• 9:45
  backslide
• 9:45
  now.
• 9:46
  And
• 9:47
  while
• 9:47
  we're
• 9:47
  here,
• 9:47
  I
• 9:47
  want
• 9:47
  to
• 9:47
  ask
• 9:47
  you
• 9:47
  to
• 9:48
  do
• 9:48
  me
• 9:48
  a
• 9:48
  favor.
• 9:48
  If
• 9:49
  this
• 9:49
  show
• 9:49
  is
• 9:49
  impacting
• 9:50
  you,
• 9:50
  if
• 9:50
  it's
• 9:51
  making
• 9:51
  an
• 9:51
  impact
• 9:52
  on
• 9:52
  your
• 9:52
  life,
• 9:52
  I
• 9:53
  want
• 9:53
  to
• 9:53
  encourage
• 9:53
  you
• 9:53
  to
• 9:53
  share
• 9:53
  it
• 9:54
  with
• 9:54
  somebody.
• 9:54
  There's
• 9:55
  so
• 9:55
  many
• 9:55
  people
• 9:56
  that
• 9:56
  are
• 9:56
  stuck
• 9:56
  in.
• 9:57
  In
• 9:57
  that
• 9:57
  slavery
• 9:58
  to
• 9:58
  debt
• 9:58
  who
• 9:59
  could
• 9:59
  listen
• 9:59
  to
• 9:59
  the
• 9:59
  show
• 9:59
  and
• 10:00
  maybe
• 10:00
  they
• 10:00
  would
• 10:00
  get
• 10:01
  some
• 10:01
  impact
• 10:01
  from
• 10:01
  it.
• 10:01
  So
• 10:02
  I'm
• 10:02
  gonna
• 10:02
  encourage
• 10:02
  you
• 10:02
  right
• 10:02
  now
• 10:02
  to
• 10:03
  share
• 10:03
  the
• 10:03
  show
• 10:03
  with
• 10:03
  them.
• 10:04
  Just
• 10:04
  send
• 10:04
  them
• 10:04
  a
• 10:05
  text,
• 10:05
  send
• 10:05
  them
• 10:05
  an
• 10:05
  email,
• 10:06
  just
• 10:06
  point
• 10:06
  them
• 10:06
  right
• 10:06
  to
• 10:06
  our
• 10:07
  website.
• 10:07
  That's
• 10:08
  financiallyconfidentchristian.com.
• 10:10
  and
• 10:10
  here's
• 10:10
  another
• 10:10
  special
• 10:11
  thing
• 10:11
  that
• 10:11
  you
• 10:11
  can
• 10:11
  tell
• 10:11
  them.
• 10:12
  Hey,
• 10:12
  right
• 10:12
  now
• 10:13
  I'm
• 10:13
  giving
• 10:13
  away
• 10:13
  a
• 10:13
  copy
• 10:14
  of
• 10:14
  my
• 10:14
  book.
• 10:14
  I
• 10:14
  just
• 10:14
  finished
• 10:15
  writing
• 10:15
  my
• 10:15
  third
• 10:16
  book.
• 10:16
  It's
• 10:16
  called
• 10:17
  Becoming
• 10:18
  a
• 10:18
  Financially
• 10:18
  Confident
• 10:19
  Christian.
• 10:19
  I'm
• 10:19
  going
• 10:19
  to
• 10:19
  give
• 10:19
  you
• 10:20
  a
• 10:20
  free
• 10:20
  copy
• 10:20
  of
• 10:20
  it.
• 10:20
  Send
• 10:20
  it
• 10:20
  to
• 10:21
  your
• 10:21
  friends
• 10:21
  and
• 10:21
  get
• 10:21
  a
• 10:21
  free
• 10:21
  copy,
• 10:22
  too.
• 10:23
  Absolutely
• 10:23
  no
• 10:23
  strings
• 10:24
  attached.
• 10:24
  Just
• 10:24
  go
• 10:25
  to
• 10:25
  the
• 10:25
  website
• 10:25
  financiallyconfidentchristian.com/becoming
• 10:29
  again,
• 10:29
  that's
• 10:30
  financiallyconfidentchristian.com/becoming.
• 10:34
  Help
• 10:34
  them
• 10:34
  to
• 10:34
  see
• 10:35
  the
• 10:35
  light
• 10:35
  at
• 10:35
  the
• 10:36
  end
• 10:36
  of
• 10:36
  the
• 10:36
  tunnel.
• 10:36
  Help
• 10:37
  them
• 10:37
  to
• 10:37
  break
• 10:37
  free
• 10:38
  of
• 10:38
  that
• 10:38
  yoke
• 10:39
  of
• 10:39
  debt.
• 10:40
  I
• 10:40
  just
• 10:40
  want
• 10:40
  to
• 10:41
  close
• 10:41
  with
• 10:41
  this
• 10:41
  today.
• 10:42
  I
• 10:42
  firmly
• 10:43
  believe
• 10:43
  you
• 10:43
  can
• 10:43
  do
• 10:43
  this.
• 10:43
  You
• 10:44
  can
• 10:44
  break
• 10:44
  free
• 10:44
  of
• 10:44
  this.
• 10:45
  I
• 10:46
  believe
• 10:46
  in
• 10:46
  you.
• 10:46
  Believe
• 10:47
  in
• 10:47
  yourself.
• 10:47
  Now
• 10:48
  go
• 10:48
  live
• 10:48
  as
• 10:48
  a
• 10:49
  financially
• 10:49
  confident
• 10:49
  Christian.
• 10:50
  God
• 10:50
  bless
• 10:51
  you.
• 10:51
  And
• 10:51
  you
• 10:52
  have
• 10:52
  a
• 10:52
  great
• 10:52
  day
• 10:52
  today.