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Avoiding Investment Scams: How to Spot Red Flags? · Becoming Financially Confident

• 0:39
  Here's
• 0:40
  something
• 0:40
  that
• 0:40
  was
• 0:40
  really
• 0:40
  surprising
• 0:41
  to
• 0:41
  me.
• 0:41
  Did
• 0:41
  you
• 0:41
  know
• 0:42
  this
• 0:42
  in
• 0:43
  the
• 0:43
  US
• 0:44
  in
• 0:44
  2024,
• 0:45
  $5.7
• 0:46
  billion,
• 0:47
  that's
• 0:48
  B
• 0:48
  with
• 0:48
  billion
• 0:49
  with
• 0:49
  a
• 0:49
  B
• 0:50
  was
• 0:50
  lost
• 0:50
  to
• 0:51
  investment
• 0:51
  fraud.
• 0:53
  79%
• 0:53
  of
• 0:54
  that
• 0:54
  people
• 0:55
  lost
• 0:55
  more
• 0:55
  than
• 0:55
  $9,000.
• 0:57
  And
• 0:58
  here's
• 0:58
  the
• 0:58
  really
• 0:58
  sad
• 0:58
  statistic
• 0:59
  of
• 0:59
  this
• 0:59
  whole
• 0:59
  thing.
• 1:00
  Those
• 1:00
  who
• 1:00
  were
• 1:01
  age
• 1:01
  60
• 1:01
  and
• 1:01
  more
• 1:02
  lost
• 1:02
  the
• 1:02
  most.
• 1:02
  Now,
• 1:02
  most
• 1:03
  of
• 1:03
  that
• 1:03
  was
• 1:03
  in
• 1:03
  crypto
• 1:03
  scams,
• 1:04
  which
• 1:04
  was
• 1:05
  $5
• 1:05
  billion
• 1:06
  in
• 1:06
  losses.
• 1:07
  Not
• 1:08
  a
• 1:08
  pretty
• 1:08
  picture,
• 1:08
  right?
• 1:09
  And
• 1:09
  that's
• 1:09
  when
• 1:10
  I
• 1:10
  got
• 1:10
  this
• 1:10
  question.
• 1:10
  I
• 1:10
  said,
• 1:11
  you
• 1:11
  know
• 1:11
  what?
• 1:11
  I've
• 1:11
  got
• 1:11
  to
• 1:11
  talk
• 1:12
  about
• 1:12
  this
• 1:12
  as
• 1:13
  part
• 1:13
  of
• 1:13
  our
• 1:13
  investment
• 1:14
  series.
• 1:15
  And
• 1:15
  this
• 1:15
  listener
• 1:16
  wrote
• 1:16
  this.
• 1:16
  She
• 1:16
  said,
• 1:16
  ralph,
• 1:17
  I
• 1:17
  keep
• 1:17
  hearing
• 1:17
  about
• 1:18
  people
• 1:18
  losing
• 1:18
  everything
• 1:19
  to
• 1:19
  scams.
• 1:20
  How
• 1:20
  do
• 1:20
  I
• 1:21
  know
• 1:21
  what's
• 1:21
  safe
• 1:21
  and
• 1:21
  what's
• 1:22
  a
• 1:22
  trap?
• 1:23
  That's
• 1:23
  a
• 1:23
  great
• 1:24
  question.
• 1:24
  Because
• 1:25
  it's
• 1:25
  a
• 1:25
  scary
• 1:25
  thought.
• 1:26
  Think
• 1:26
  about
• 1:26
  the
• 1:26
  amount
• 1:27
  of
• 1:27
  money
• 1:27
  and
• 1:27
  the
• 1:27
  people
• 1:27
  that
• 1:28
  have
• 1:28
  been
• 1:28
  taken
• 1:28
  advantage
• 1:29
  of.
• 1:30
  When
• 1:30
  talk
• 1:30
  about
• 1:30
  my
• 1:31
  grandfather
• 1:31
  again,
• 1:31
  he
• 1:31
  was
• 1:31
  one
• 1:32
  of
• 1:32
  my
• 1:32
  big
• 1:32
  mentors
• 1:32
  in
• 1:32
  my
• 1:33
  life
• 1:33
  and
• 1:33
  he
• 1:33
  said
• 1:33
  this
• 1:33
  to
• 1:33
  me
• 1:34
  and
• 1:34
  this
• 1:34
  is
• 1:34
  a
• 1:34
  truism
• 1:35
  of
• 1:35
  all
• 1:35
  truisms.
• 1:36
  He
• 1:36
  said,
• 1:36
  son,
• 1:37
  he
• 1:37
  said,
• 1:37
  if
• 1:37
  it
• 1:37
  sounds
• 1:38
  too
• 1:38
  good
• 1:38
  to
• 1:38
  be
• 1:38
  true,
• 1:39
  it
• 1:39
  usually
• 1:40
  is.
• 1:41
  And
• 1:41
  I
• 1:41
  think
• 1:41
  we
• 1:41
  all
• 1:42
  can
• 1:42
  learn
• 1:42
  from
• 1:42
  that.
• 1:42
  I
• 1:42
  could
• 1:42
  probably
• 1:43
  stop
• 1:43
  the
• 1:43
  episode
• 1:43
  right
• 1:43
  now.
• 1:43
  You
• 1:43
  say
• 1:44
  rap,
• 1:44
  I've
• 1:44
  heard
• 1:44
  enough.
• 1:45
  It's
• 1:45
  the
• 1:45
  truth
• 1:46
  though.
• 1:46
  If
• 1:46
  it
• 1:47
  sounds
• 1:47
  too
• 1:47
  good
• 1:47
  to
• 1:47
  be
• 1:47
  true,
• 1:48
  it
• 1:48
  usually
• 1:48
  is.
• 1:49
  But
• 1:49
  I
• 1:49
  want
• 1:50
  to
• 1:50
  go
• 1:50
  a
• 1:50
  little
• 1:50
  deeper
• 1:50
  than
• 1:50
  that
• 1:50
  because
• 1:51
  the
• 1:51
  truth
• 1:51
  is
• 1:51
  scammers
• 1:52
  prey
• 1:52
  on
• 1:52
  fear
• 1:53
  and
• 1:53
  they
• 1:53
  prey
• 1:54
  on
• 1:54
  greed.
• 1:55
  But
• 1:55
  with
• 1:55
  discernment
• 1:56
  and
• 1:56
  with
• 1:57
  a
• 1:57
  few
• 1:57
  red
• 1:57
  flag
• 1:57
  checks,
• 1:58
  you
• 1:58
  can
• 1:58
  protect
• 1:59
  yourself.
• 1:59
  So
• 1:59
  let's
• 1:59
  figure
• 2:00
  out
• 2:00
  how
• 2:00
  to
• 2:00
  do
• 2:00
  that
• 2:01
  on
• 2:01
  today's
• 2:01
  show.
• 2:02
  This
• 2:03
  is
• 2:03
  Financially
• 2:03
  Confident
• 2:04
  Christian,
• 2:05
  your
• 2:05
  daily
• 2:05
  dose
• 2:06
  of
• 2:06
  gospel,
• 2:06
  grounded
• 2:07
  insight
• 2:07
  and
• 2:07
  faith
• 2:08
  driven
• 2:08
  tips
• 2:09
  to
• 2:09
  help
• 2:09
  you
• 2:09
  break
• 2:09
  the
• 2:09
  cycle
• 2:10
  of
• 2:10
  financial
• 2:10
  shame
• 2:11
  with
• 2:11
  confidence.
• 2:14
  Hello
• 2:14
  there.
• 2:14
  Welcome.
• 2:15
  Thank
• 2:15
  you
• 2:15
  for
• 2:15
  joining
• 2:15
  me.
• 2:16
  I'm
• 2:16
  Ralph.
• 2:17
  I
• 2:17
  appreciate
• 2:17
  you
• 2:18
  joining
• 2:18
  me
• 2:18
  on
• 2:18
  this
• 2:19
  journey
• 2:19
  as
• 2:19
  we
• 2:19
  continue
• 2:19
  on
• 2:20
  this
• 2:20
  series
• 2:20
  of
• 2:21
  investments
• 2:21
  and
• 2:22
  as
• 2:22
  we
• 2:22
  talk
• 2:22
  about
• 2:22
  investments,
• 2:23
  one
• 2:23
  of
• 2:23
  the
• 2:23
  things
• 2:23
  that
• 2:23
  come
• 2:24
  to
• 2:24
  mind
• 2:24
  was
• 2:24
  we
• 2:25
  really
• 2:25
  have
• 2:25
  to
• 2:25
  worry
• 2:25
  about
• 2:25
  investment
• 2:26
  scams.
• 2:27
  Because
• 2:28
  those
• 2:28
  statistics
• 2:28
  I
• 2:28
  started
• 2:29
  with
• 2:29
  today
• 2:29
  are
• 2:29
  really
• 2:29
  scary,
• 2:30
  aren't
• 2:30
  they?
• 2:31
  They're
• 2:32
  real
• 2:32
  people.
• 2:32
  Those
• 2:32
  are
• 2:33
  real
• 2:33
  losses.
• 2:33
  Those
• 2:33
  real
• 2:34
  people
• 2:34
  that
• 2:34
  have
• 2:34
  experienced
• 2:35
  that.
• 2:36
  And
• 2:36
  I
• 2:36
  think
• 2:36
  back
• 2:36
  to
• 2:37
  my
• 2:37
  30
• 2:37
  years
• 2:37
  of
• 2:37
  doing
• 2:38
  accounting
• 2:38
  work
• 2:38
  and
• 2:38
  I've
• 2:39
  seen
• 2:39
  these
• 2:39
  scams
• 2:39
  firsthand
• 2:41
  as
• 2:41
  part
• 2:42
  of
• 2:42
  when
• 2:42
  I
• 2:42
  was
• 2:42
  first
• 2:42
  starting
• 2:43
  off
• 2:43
  in
• 2:43
  work,
• 2:43
  I
• 2:43
  was
• 2:43
  the
• 2:43
  president
• 2:44
  of
• 2:44
  the
• 2:44
  Delaware
• 2:45
  association
• 2:45
  for
• 2:45
  Bank
• 2:46
  Security
• 2:46
  and
• 2:46
  actually
• 2:46
  worked
• 2:46
  as
• 2:47
  a
• 2:47
  fraud
• 2:47
  investigator.
• 2:49
  And
• 2:49
  when
• 2:49
  I
• 2:49
  did
• 2:49
  that,
• 2:49
  I
• 2:50
  had
• 2:50
  no
• 2:50
  idea
• 2:51
  of
• 2:51
  the
• 2:51
  person
• 2:52
  that's
• 2:52
  involved
• 2:52
  in
• 2:53
  this,
• 2:53
  these
• 2:53
  are
• 2:54
  real
• 2:54
  victims.
• 2:55
  There
• 2:55
  are
• 2:55
  people
• 2:55
  who
• 2:56
  have
• 2:56
  lost
• 2:56
  everything.
• 2:57
  I'm
• 2:57
  talking
• 2:57
  about
• 2:58
  years
• 2:58
  of
• 2:58
  their
• 2:59
  savings,
• 2:59
  years
• 3:00
  of
• 3:00
  their
• 3:00
  blood,
• 3:00
  sweat,
• 3:01
  tears,
• 3:01
  investments,
• 3:02
  all
• 3:02
  the
• 3:02
  things
• 3:02
  they've
• 3:03
  done.
• 3:03
  And
• 3:03
  it
• 3:03
  makes
• 3:03
  me
• 3:03
  so
• 3:04
  angry
• 3:05
  because
• 3:05
  people
• 3:06
  just
• 3:06
  prey
• 3:06
  on
• 3:06
  people
• 3:07
  like
• 3:07
  that.
• 3:07
  We've
• 3:07
  got
• 3:07
  to
• 3:08
  stop
• 3:08
  this.
• 3:09
  So
• 3:09
  one
• 3:10
  of
• 3:10
  the
• 3:10
  ways
• 3:10
  we
• 3:10
  can
• 3:10
  stop
• 3:10
  this
• 3:11
  is
• 3:11
  start
• 3:11
  with
• 3:12
  educating
• 3:12
  folks.
• 3:14
  And
• 3:14
  that's
• 3:14
  exactly
• 3:14
  what
• 3:14
  I'm
• 3:14
  going
• 3:14
  to
• 3:14
  accomplish
• 3:15
  today
• 3:15
  on
• 3:15
  the
• 3:15
  show.
• 3:16
  I
• 3:16
  never
• 3:17
  forget,
• 3:17
  I
• 3:17
  had
• 3:17
  a
• 3:17
  client
• 3:17
  one
• 3:18
  time,
• 3:18
  he
• 3:18
  called
• 3:18
  me
• 3:19
  and
• 3:19
  he
• 3:19
  says,
• 3:19
  ralph,
• 3:19
  I
• 3:19
  got
• 3:20
  this
• 3:20
  telephone
• 3:21
  call
• 3:21
  the
• 3:21
  other
• 3:21
  day.
• 3:21
  This
• 3:22
  guy
• 3:22
  was
• 3:22
  online.
• 3:22
  He
• 3:22
  said,
• 3:22
  ralph,
• 3:23
  he
• 3:23
  guaranteed
• 3:24
  me
• 3:24
  a
• 3:24
  20%
• 3:24
  return
• 3:25
  on
• 3:25
  this
• 3:25
  investment.
• 3:26
  He
• 3:26
  said
• 3:26
  I
• 3:26
  had
• 3:27
  to
• 3:27
  make
• 3:27
  a
• 3:27
  decision
• 3:27
  right
• 3:27
  away.
• 3:29
  I
• 3:29
  want
• 3:29
  to
• 3:29
  stop
• 3:30
  there
• 3:30
  for
• 3:30
  a
• 3:30
  second
• 3:30
  because
• 3:30
  one
• 3:31
  of
• 3:31
  the
• 3:31
  big
• 3:31
  giveaways
• 3:32
  to
• 3:32
  an
• 3:32
  investment
• 3:32
  scam
• 3:33
  is
• 3:33
  if
• 3:33
  you
• 3:33
  feel
• 3:33
  any
• 3:34
  pressure,
• 3:35
  it's
• 3:35
  the
• 3:35
  first
• 3:35
  thing
• 3:36
  these
• 3:36
  scammers
• 3:36
  do.
• 3:36
  They
• 3:37
  prey
• 3:37
  on
• 3:37
  that
• 3:37
  pressure.
• 3:38
  They
• 3:39
  tell
• 3:39
  you
• 3:39
  you
• 3:39
  have
• 3:39
  to
• 3:39
  act
• 3:40
  quickly.
• 3:40
  And
• 3:41
  a
• 3:41
  lot
• 3:41
  of
• 3:41
  people,
• 3:41
  we
• 3:41
  live
• 3:41
  in
• 3:41
  a
• 3:42
  culture
• 3:42
  right
• 3:42
  now.
• 3:43
  I
• 3:43
  don't
• 3:43
  care
• 3:43
  where
• 3:43
  you
• 3:43
  live
• 3:44
  in
• 3:44
  the
• 3:44
  world.
• 3:44
  It's
• 3:45
  this
• 3:45
  fear
• 3:45
  of
• 3:45
  losing
• 3:46
  out.
• 3:46
  You
• 3:46
  see
• 3:46
  stuff
• 3:46
  on
• 3:46
  social
• 3:47
  media
• 3:47
  like,
• 3:47
  I
• 3:47
  gotta
• 3:47
  be
• 3:48
  a
• 3:48
  part
• 3:48
  of
• 3:48
  that.
• 3:48
  I
• 3:48
  gotta
• 3:49
  jump
• 3:49
  on
• 3:49
  the
• 3:49
  bandwagon.
• 3:50
  And
• 3:50
  when
• 3:51
  somebody
• 3:51
  calls
• 3:51
  you
• 3:51
  and
• 3:51
  says,
• 3:52
  I
• 3:52
  got
• 3:52
  this
• 3:52
  great
• 3:52
  idea,
• 3:53
  Ralph,
• 3:53
  I
• 3:53
  can
• 3:53
  double
• 3:54
  your
• 3:54
  money.
• 3:54
  Maybe
• 3:54
  you're
• 3:55
  struggling
• 3:55
  financially.
• 3:55
  You're
• 3:56
  like,
• 3:56
  ralph,
• 3:56
  I've
• 3:56
  got
• 3:57
  this
• 3:57
  mountain
• 3:58
  of
• 3:58
  debt.
• 3:58
  I
• 3:58
  need
• 3:58
  to
• 3:58
  pay
• 3:59
  it
• 3:59
  off.
• 3:59
  I
• 3:59
  want
• 3:59
  to
• 3:59
  start
• 4:00
  saving.
• 4:00
  Somebody
• 4:01
  calls
• 4:01
  me
• 4:01
  and
• 4:01
  says,
• 4:01
  ralph,
• 4:02
  I
• 4:02
  got
• 4:02
  this
• 4:02
  great
• 4:02
  idea.
• 4:03
  Of
• 4:03
  course,
• 4:03
  in
• 4:03
  our
• 4:03
  flesh,
• 4:04
  we
• 4:04
  think
• 4:04
  we
• 4:05
  could
• 4:05
  do
• 4:05
  this.
• 4:07
  But
• 4:07
  thankfully,
• 4:07
  this
• 4:08
  client,
• 4:08
  he
• 4:08
  paused
• 4:08
  and
• 4:08
  he
• 4:08
  said,
• 4:09
  Ralph,
• 4:09
  I
• 4:09
  want
• 4:10
  to
• 4:10
  ask
• 4:10
  you
• 4:10
  about
• 4:10
  this.
• 4:11
  He
• 4:12
  came
• 4:12
  in
• 4:12
  and
• 4:12
  we
• 4:12
  had
• 4:12
  a
• 4:13
  conversation,
• 4:13
  and
• 4:14
  it
• 4:14
  was
• 4:14
  clearly
• 4:14
  a
• 4:14
  Ponzi
• 4:15
  scheme.
• 4:15
  Now,
• 4:15
  Ponzi
• 4:15
  schemes,
• 4:16
  a
• 4:16
  fancy
• 4:16
  way
• 4:16
  to
• 4:17
  say
• 4:17
  that
• 4:17
  one
• 4:17
  person
• 4:18
  at
• 4:18
  the
• 4:18
  end
• 4:18
  was
• 4:18
  not
• 4:18
  going
• 4:19
  to
• 4:19
  get
• 4:19
  paid,
• 4:19
  but
• 4:19
  the
• 4:19
  others
• 4:19
  were
• 4:20
  going
• 4:20
  to
• 4:20
  all
• 4:20
  feed
• 4:20
  into
• 4:20
  that.
• 4:21
  And
• 4:21
  if
• 4:22
  he
• 4:22
  hadn't
• 4:22
  thought
• 4:22
  about,
• 4:23
  he
• 4:23
  hadn't
• 4:23
  reached
• 4:23
  out
• 4:23
  to
• 4:23
  me,
• 4:24
  honestly.
• 4:24
  And
• 4:24
  I'm
• 4:24
  not
• 4:24
  taking,
• 4:25
  you
• 4:25
  know,
• 4:25
  the.
• 4:26
  I'm
• 4:26
  not
• 4:26
  taking
• 4:26
  it
• 4:26
  saying
• 4:26
  it
• 4:27
  was
• 4:27
  because
• 4:27
  of
• 4:27
  me.
• 4:28
  But
• 4:28
  he
• 4:28
  wouldn't
• 4:29
  have
• 4:29
  reached
• 4:29
  out.
• 4:29
  He
• 4:29
  would
• 4:29
  have
• 4:30
  lost
• 4:30
  it
• 4:30
  all.
• 4:31
  And
• 4:31
  I'm
• 4:31
  going
• 4:31
  to
• 4:31
  talk
• 4:32
  a
• 4:32
  little
• 4:32
  bit
• 4:32
  later
• 4:32
  about
• 4:32
  this
• 4:33
  ver
• 4:33
  a
• 4:33
  verse
• 4:33
  from
• 4:34
  the
• 4:34
  Proverbs,
• 4:34
  but
• 4:34
  it
• 4:35
  warns
• 4:35
  us
• 4:35
  this
• 4:35
  the
• 4:35
  simple
• 4:36
  believe
• 4:36
  anything
• 4:37
  but
• 4:37
  prudent
• 4:38
  give
• 4:38
  thoughts
• 4:38
  to
• 4:39
  their
• 4:39
  steps.
• 4:40
  So
• 4:41
  let
• 4:41
  me
• 4:41
  take
• 4:41
  a
• 4:41
  pause
• 4:41
  right
• 4:41
  now.
• 4:42
  Have
• 4:42
  you
• 4:42
  ever
• 4:42
  been
• 4:42
  a
• 4:42
  victim
• 4:42
  of
• 4:43
  this?
• 4:44
  Have
• 4:44
  you
• 4:44
  know
• 4:44
  somebody
• 4:45
  that
• 4:45
  has
• 4:45
  been
• 4:45
  a
• 4:45
  victim
• 4:45
  of
• 4:46
  this?
• 4:46
  It
• 4:46
  decimates
• 4:46
  their
• 4:47
  lives.
• 4:47
  It
• 4:48
  destroys
• 4:48
  the
• 4:48
  lives.
• 4:49
  It
• 4:49
  destroys
• 4:49
  dreams.
• 4:51
  So
• 4:51
  let's
• 4:51
  today
• 4:51
  talk
• 4:52
  about
• 4:52
  how
• 4:52
  to
• 4:52
  prevent
• 4:52
  that.
• 4:53
  Here's
• 4:54
  the
• 4:54
  first
• 4:54
  thing
• 4:54
  I'm
• 4:54
  going
• 4:54
  to
• 4:54
  tell
• 4:55
  you.
• 4:55
  Legitimate
• 4:56
  investments
• 4:57
  involve
• 4:57
  risk.
• 4:57
  The
• 4:58
  first
• 4:58
  thing,
• 4:58
  if
• 4:58
  somebody
• 4:58
  says
• 4:59
  to
• 4:59
  you,
• 4:59
  ralph,
• 4:59
  this
• 5:00
  is
• 5:00
  a
• 5:00
  guarantee,
• 5:00
  there's
• 5:01
  no
• 5:01
  way
• 5:01
  you
• 5:01
  can
• 5:01
  lose
• 5:02
  money,
• 5:02
  I'm
• 5:02
  going
• 5:02
  to
• 5:02
  tell
• 5:02
  you
• 5:02
  right
• 5:03
  now
• 5:04
  that's
• 5:04
  a
• 5:04
  scam.
• 5:05
  Because
• 5:06
  anybody
• 5:06
  who
• 5:06
  is
• 5:07
  a
• 5:07
  legitimate
• 5:07
  investor
• 5:08
  is
• 5:08
  going
• 5:08
  to
• 5:08
  tell
• 5:08
  you
• 5:09
  there
• 5:09
  is
• 5:09
  always
• 5:10
  risk.
• 5:10
  There's
• 5:11
  risk
• 5:11
  in
• 5:11
  every
• 5:11
  single
• 5:12
  thing
• 5:12
  you
• 5:12
  do.
• 5:12
  You
• 5:13
  could
• 5:13
  put
• 5:13
  money
• 5:13
  in
• 5:13
  a
• 5:13
  US
• 5:14
  bank
• 5:14
  account,
• 5:14
  yes,
• 5:15
  it's
• 5:15
  insured
• 5:15
  up
• 5:16
  to
• 5:16
  a
• 5:16
  certain
• 5:16
  amount,
• 5:17
  but
• 5:17
  there's
• 5:17
  risk
• 5:17
  there.
• 5:18
  We
• 5:18
  gotta
• 5:18
  understand
• 5:19
  that
• 5:19
  first.
• 5:20
  All
• 5:21
  legitimate
• 5:21
  investments
• 5:22
  involve
• 5:22
  risk.
• 5:22
  There's
• 5:23
  no
• 5:23
  sure
• 5:23
  thing.
• 5:24
  The
• 5:24
  other
• 5:25
  thing
• 5:25
  that
• 5:25
  I've
• 5:25
  seen
• 5:25
  in
• 5:26
  my
• 5:26
  years
• 5:26
  of
• 5:26
  doing
• 5:27
  this,
• 5:27
  scammers
• 5:28
  rush
• 5:28
  you.
• 5:29
  The
• 5:30
  reason
• 5:30
  they
• 5:30
  rush
• 5:30
  you
• 5:30
  is
• 5:30
  they
• 5:31
  don't
• 5:31
  want
• 5:31
  you
• 5:31
  to
• 5:31
  take
• 5:31
  time
• 5:31
  to
• 5:31
  think
• 5:32
  about
• 5:32
  this.
• 5:32
  They
• 5:32
  don't
• 5:32
  want
• 5:32
  you
• 5:32
  to
• 5:33
  go
• 5:33
  back
• 5:33
  and
• 5:33
  say,
• 5:34
  let
• 5:34
  me
• 5:34
  call
• 5:34
  my
• 5:34
  friend
• 5:35
  Ralph.
• 5:35
  Let
• 5:35
  me
• 5:35
  call
• 5:35
  somebody
• 5:36
  that
• 5:36
  understand
• 5:37
  these
• 5:37
  things.
• 5:37
  They
• 5:37
  don't
• 5:37
  want
• 5:38
  you
• 5:38
  to
• 5:38
  investigate
• 5:38
  that.
• 5:39
  That's
• 5:39
  their
• 5:39
  main
• 5:40
  method
• 5:40
  is
• 5:40
  to
• 5:41
  rush
• 5:41
  you.
• 5:41
  They
• 5:42
  use
• 5:42
  fear,
• 5:42
  they
• 5:42
  use
• 5:43
  intimidation.
• 5:45
  And
• 5:45
  here's
• 5:46
  the
• 5:46
  goal.
• 5:46
  Their
• 5:47
  big
• 5:47
  goal
• 5:47
  is
• 5:47
  to
• 5:47
  catch
• 5:48
  you
• 5:48
  off
• 5:48
  guard.
• 5:48
  They
• 5:48
  want
• 5:48
  to
• 5:49
  use
• 5:49
  your
• 5:49
  greed.
• 5:49
  Because,
• 5:49
  listen,
• 5:50
  as
• 5:50
  human
• 5:50
  beings,
• 5:50
  as
• 5:51
  flesh,
• 5:52
  we
• 5:52
  all
• 5:52
  experience
• 5:53
  greed
• 5:53
  from
• 5:54
  time
• 5:54
  to
• 5:54
  time.
• 5:54
  Yes,
• 5:55
  we're
• 5:55
  struggling
• 5:55
  financially.
• 5:56
  We
• 5:56
  want
• 5:56
  to
• 5:56
  get
• 5:56
  that
• 5:57
  killing.
• 5:57
  We
• 5:57
  want
• 5:57
  to
• 5:58
  make
• 5:58
  that
• 5:58
  money.
• 5:58
  We
• 5:58
  want
• 5:58
  to
• 5:59
  get
• 5:59
  that
• 5:59
  huge
• 5:59
  investment
• 6:00
  that
• 6:00
  looks
• 6:00
  so
• 6:00
  fantastic
• 6:01
  from
• 6:01
  the
• 6:01
  outside.
• 6:02
  It
• 6:02
  looks
• 6:02
  great
• 6:03
  looking
• 6:03
  at
• 6:03
  it
• 6:03
  from
• 6:03
  the
• 6:03
  outside.
• 6:04
  And
• 6:05
  they
• 6:05
  catch
• 6:05
  us
• 6:05
  off
• 6:06
  guard.
• 6:06
  They
• 6:06
  want
• 6:06
  us
• 6:06
  to
• 6:06
  move
• 6:06
  quickly.
• 6:07
  Oh,
• 6:07
  you
• 6:07
  got
• 6:08
  to
• 6:08
  take
• 6:08
  this
• 6:08
  right
• 6:08
  now.
• 6:08
  If
• 6:09
  you
• 6:09
  get
• 6:09
  off
• 6:09
  this
• 6:09
  call
• 6:09
  right
• 6:09
  now,
• 6:09
  we're
• 6:10
  going
• 6:10
  to
• 6:10
  lose
• 6:10
  out.
• 6:10
  If
• 6:11
  you
• 6:11
  get
• 6:11
  off
• 6:11
  this
• 6:11
  email
• 6:12
  link
• 6:12
  or
• 6:12
  whatever
• 6:12
  that
• 6:12
  is,
• 6:14
  they
• 6:14
  want
• 6:14
  you
• 6:14
  to
• 6:14
  do
• 6:15
  it
• 6:15
  right
• 6:15
  then
• 6:15
  and
• 6:15
  there.
• 6:17
  So
• 6:17
  that's
• 6:17
  another
• 6:17
  thing.
• 6:18
  Look
• 6:18
  for
• 6:18
  unregistered
• 6:19
  individuals
• 6:19
  or
• 6:20
  anything
• 6:20
  that
• 6:20
  looks
• 6:20
  shady.
• 6:21
  A
• 6:21
  lot
• 6:21
  of
• 6:21
  people
• 6:21
  say
• 6:21
  to
• 6:21
  me,
• 6:21
  ralph,
• 6:22
  I
• 6:22
  looked
• 6:22
  at
• 6:22
  this
• 6:23
  paperwork,
• 6:23
  I
• 6:23
  should
• 6:23
  have
• 6:23
  known
• 6:24
  it.
• 6:24
  Yeah,
• 6:24
  listen,
• 6:25
  if
• 6:25
  your
• 6:25
  gut
• 6:26
  is
• 6:26
  telling
• 6:26
  you
• 6:26
  this
• 6:27
  looks
• 6:27
  shady,
• 6:27
  guess
• 6:27
  what?
• 6:28
  It
• 6:28
  probably
• 6:28
  is.
• 6:29
  And
• 6:29
  that
• 6:29
  should
• 6:30
  stop
• 6:30
  you
• 6:30
  immediately.
• 6:31
  Just
• 6:31
  hold
• 6:31
  on.
• 6:32
  It's
• 6:33
  fine
• 6:33
  to
• 6:33
  say
• 6:33
  to
• 6:33
  them,
• 6:34
  listen,
• 6:34
  that
• 6:34
  sounds
• 6:34
  great.
• 6:35
  I've
• 6:35
  had
• 6:35
  phone
• 6:35
  calls
• 6:36
  like
• 6:36
  this
• 6:36
  myself.
• 6:37
  They
• 6:37
  called
• 6:37
  him
• 6:37
  and
• 6:37
  said,
• 6:37
  raph,
• 6:38
  I've
• 6:38
  got
• 6:38
  this
• 6:38
  great
• 6:39
  idea.
• 6:39
  And
• 6:39
  I'm
• 6:39
  on
• 6:39
  the
• 6:39
  phone,
• 6:39
  I'm
• 6:39
  listening.
• 6:40
  That's
• 6:41
  a
• 6:41
  really
• 6:41
  great
• 6:41
  idea.
• 6:42
  I
• 6:42
  get
• 6:42
  to
• 6:42
  the
• 6:42
  end
• 6:42
  of
• 6:42
  the
• 6:42
  call
• 6:42
  and
• 6:42
  I
• 6:43
  say
• 6:43
  to
• 6:43
  him,
• 6:43
  I
• 6:43
  love
• 6:43
  this
• 6:44
  idea.
• 6:44
  Here's
• 6:44
  what
• 6:44
  I
• 6:44
  want
• 6:44
  you
• 6:45
  to
• 6:45
  do.
• 6:45
  Send
• 6:45
  me
• 6:46
  all
• 6:46
  the
• 6:46
  documentation.
• 6:47
  They're
• 6:48
  like,
• 6:48
  well,
• 6:48
  wait
• 6:48
  a
• 6:48
  minute.
• 6:49
  You
• 6:49
  don't
• 6:49
  want
• 6:49
  to
• 6:49
  miss
• 6:49
  out
• 6:49
  on
• 6:49
  this.
• 6:50
  I'm
• 6:50
  like,
• 6:50
  that's
• 6:50
  fine.
• 6:50
  No,
• 6:51
  cool.
• 6:51
  I
• 6:51
  don't
• 6:51
  want
• 6:51
  to
• 6:51
  miss
• 6:51
  out
• 6:51
  on
• 6:51
  you.
• 6:52
  Absolutely.
• 6:52
  I
• 6:52
  am
• 6:52
  sold.
• 6:53
  Let's
• 6:53
  do
• 6:53
  it.
• 6:54
  But
• 6:54
  send
• 6:54
  me
• 6:55
  the
• 6:55
  documentation
• 6:55
  first.
• 6:56
  And
• 6:57
  they're
• 6:57
  like,
• 6:57
  oh,
• 6:58
  they
• 6:58
  started.
• 6:58
  So
• 6:59
  next
• 6:59
  thing
• 6:59
  you
• 6:59
  know,
• 6:59
  you
• 7:00
  don't
• 7:00
  hear
• 7:00
  from
• 7:00
  them
• 7:00
  again.
• 7:01
  That's
• 7:01
  because
• 7:01
  they're
• 7:02
  shady.
• 7:03
  Ask
• 7:03
  for
• 7:04
  documentation.
• 7:04
  It's
• 7:04
  your
• 7:05
  money.
• 7:05
  It's
• 7:05
  okay
• 7:06
  to
• 7:06
  ask
• 7:06
  that.
• 7:07
  Another
• 7:07
  thing
• 7:07
  I
• 7:07
  want
• 7:08
  to
• 7:08
  tell
• 7:08
  you
• 7:08
  is
• 7:08
  trust
• 7:08
  but
• 7:08
  verify.
• 7:09
  We
• 7:09
  live
• 7:09
  in
• 7:10
  a
• 7:10
  world
• 7:10
  right
• 7:10
  now
• 7:10
  where
• 7:10
  it's
• 7:11
  hard
• 7:11
  to
• 7:11
  trust
• 7:11
  people.
• 7:12
  Ronald
• 7:13
  Reagan,
• 7:13
  former
• 7:13
  president,
• 7:14
  United
• 7:14
  States,
• 7:14
  said
• 7:15
  this
• 7:15
  when
• 7:15
  he
• 7:15
  was
• 7:15
  dealing
• 7:15
  with
• 7:15
  the
• 7:16
  Soviets
• 7:16
  during
• 7:16
  the
• 7:16
  Cold
• 7:17
  War.
• 7:17
  Is
• 7:17
  a
• 7:18
  great
• 7:18
  thing.
• 7:18
  He
• 7:18
  said,
• 7:18
  trust
• 7:19
  but
• 7:19
  verify.
• 7:20
  It's
• 7:21
  okay
• 7:21
  to
• 7:21
  trust
• 7:21
  people.
• 7:21
  As
• 7:22
  Christian
• 7:22
  believers,
• 7:23
  we
• 7:23
  need
• 7:23
  to
• 7:23
  trust
• 7:24
  people.
• 7:24
  We
• 7:24
  can't
• 7:24
  live
• 7:25
  in
• 7:25
  a
• 7:25
  darkness
• 7:25
  and
• 7:25
  think
• 7:26
  everybody
• 7:26
  around
• 7:26
  us
• 7:26
  is
• 7:26
  out
• 7:27
  to
• 7:27
  get
• 7:27
  us.
• 7:28
  But
• 7:28
  verify
• 7:29
  that.
• 7:29
  Check
• 7:29
  their
• 7:30
  background.
• 7:31
  Do
• 7:31
  a
• 7:31
  simple
• 7:32
  Google
• 7:32
  search.
• 7:32
  Listen,
• 7:32
  I'm
• 7:33
  working
• 7:33
  on
• 7:33
  a
• 7:33
  case
• 7:33
  right
• 7:34
  now.
• 7:34
  A
• 7:34
  lady
• 7:35
  got
• 7:35
  scammed
• 7:35
  out
• 7:35
  of
• 7:36
  several
• 7:36
  hundred
• 7:37
  thousand
• 7:37
  dollars.
• 7:37
  This
• 7:38
  is
• 7:38
  a
• 7:38
  big
• 7:38
  deal.
• 7:39
  And
• 7:39
  when
• 7:39
  she
• 7:39
  approached
• 7:40
  me
• 7:40
  about
• 7:40
  it,
• 7:40
  I
• 7:40
  said,
• 7:41
  did
• 7:41
  you
• 7:41
  ever
• 7:41
  think.
• 7:41
  And
• 7:42
  I
• 7:42
  wasn't
• 7:42
  being
• 7:42
  judgmental,
• 7:43
  I
• 7:43
  wasn't
• 7:43
  criticizing
• 7:44
  her.
• 7:44
  I
• 7:44
  said,
• 7:44
  did
• 7:44
  you
• 7:45
  do
• 7:45
  a
• 7:45
  Google
• 7:45
  search?
• 7:46
  And
• 7:46
  she
• 7:47
  goes,
• 7:47
  no,
• 7:47
  Raf,
• 7:47
  I
• 7:47
  never
• 7:48
  thought
• 7:48
  about
• 7:48
  that.
• 7:49
  And
• 7:49
  I
• 7:49
  said,
• 7:49
  give
• 7:49
  me
• 7:49
  the
• 7:50
  person's
• 7:50
  name
• 7:50
  that
• 7:50
  scammed
• 7:51
  you.
• 7:51
  I
• 7:51
  put
• 7:51
  it
• 7:51
  into
• 7:51
  Google
• 7:52
  and
• 7:52
  within
• 7:52
  two
• 7:52
  seconds,
• 7:53
  a
• 7:54
  list
• 7:54
  of
• 7:54
  scams.
• 7:55
  It
• 7:56
  was
• 7:56
  right
• 7:56
  there
• 7:56
  in
• 7:56
  black
• 7:56
  and
• 7:56
  white.
• 7:57
  All
• 7:58
  she
• 7:58
  would
• 7:58
  have
• 7:58
  had
• 7:58
  to
• 7:58
  done
• 7:59
  is
• 7:59
  Google
• 7:59
  search
• 8:00
  this.
• 8:00
  Now,
• 8:00
  I'm
• 8:00
  not
• 8:00
  saying
• 8:00
  Google
• 8:01
  is
• 8:01
  the
• 8:01
  answer
• 8:01
  because
• 8:02
  there
• 8:02
  are
• 8:02
  some
• 8:02
  sophisticated
• 8:03
  scams
• 8:03
  that
• 8:04
  are
• 8:04
  going
• 8:04
  to
• 8:04
  be
• 8:04
  on
• 8:04
  Google.
• 8:05
  Let's
• 8:05
  start
• 8:06
  there.
• 8:07
  But
• 8:07
  when
• 8:07
  you
• 8:07
  have
• 8:07
  those
• 8:08
  doubts,
• 8:08
  when.
• 8:08
  And
• 8:08
  listen,
• 8:09
  this
• 8:09
  is
• 8:09
  the
• 8:09
  Lord
• 8:09
  speaking
• 8:09
  to
• 8:10
  you.
• 8:10
  When
• 8:10
  you
• 8:10
  have
• 8:11
  those
• 8:11
  doubts,
• 8:11
  you
• 8:11
  start
• 8:11
  thinking
• 8:13
  something
• 8:13
  doesn't.
• 8:13
  My
• 8:14
  grandfather
• 8:14
  used
• 8:14
  to
• 8:14
  say,
• 8:15
  it
• 8:15
  doesn't
• 8:15
  pass
• 8:15
  the
• 8:15
  sniff
• 8:16
  test.
• 8:16
  If
• 8:17
  it
• 8:17
  doesn't
• 8:17
  pass
• 8:17
  the
• 8:17
  sniff
• 8:18
  test,
• 8:18
  stop
• 8:18
  what
• 8:19
  you're
• 8:19
  doing.
• 8:20
  Here's
• 8:20
  another
• 8:20
  thing
• 8:21
  you
• 8:21
  can
• 8:21
  do.
• 8:21
  Be
• 8:21
  a
• 8:21
  prayer
• 8:22
  warrior.
• 8:22
  We
• 8:22
  can
• 8:22
  all
• 8:22
  do
• 8:22
  this.
• 8:23
  This
• 8:23
  is
• 8:23
  simple.
• 8:24
  When
• 8:24
  you
• 8:24
  see
• 8:24
  something
• 8:25
  that
• 8:25
  seems
• 8:25
  too
• 8:25
  good
• 8:25
  to
• 8:26
  be
• 8:26
  true,
• 8:26
  just
• 8:26
  say
• 8:27
  right
• 8:27
  then,
• 8:27
  God.
• 8:28
  This
• 8:28
  sounds
• 8:28
  really
• 8:28
  good.
• 8:29
  God,
• 8:29
  what
• 8:29
  should
• 8:30
  I
• 8:30
  do
• 8:30
  with
• 8:30
  this?
• 8:31
  Is
• 8:31
  this
• 8:31
  really
• 8:32
  as
• 8:32
  good
• 8:32
  as
• 8:32
  it
• 8:32
  seems?
• 8:33
  Lord,
• 8:33
  ask
• 8:34
  for
• 8:34
  guidance.
• 8:34
  Reach
• 8:35
  out
• 8:35
  to
• 8:35
  experts.
• 8:36
  Let's
• 8:37
  get
• 8:37
  right
• 8:37
  into
• 8:37
  the
• 8:37
  word
• 8:37
  of
• 8:38
  God
• 8:38
  today.
• 8:38
  Let's
• 8:38
  look
• 8:38
  right
• 8:38
  at
• 8:39
  the
• 8:39
  book
• 8:39
  of
• 8:39
  Proverbs
• 8:40
  14:15.
• 8:41
  I
• 8:41
  mentioned
• 8:41
  this
• 8:42
  earlier.
• 8:42
  It's
• 8:43
  kind
• 8:43
  of
• 8:43
  harsh,
• 8:44
  but
• 8:44
  it's
• 8:44
  true.
• 8:45
  The
• 8:45
  simple
• 8:46
  believe
• 8:46
  anything
• 8:47
  but
• 8:47
  to
• 8:48
  prudent
• 8:48
  give
• 8:48
  thought
• 8:48
  to
• 8:49
  their
• 8:49
  steps.
• 8:50
  What
• 8:50
  is
• 8:50
  scripture
• 8:51
  telling
• 8:51
  us
• 8:52
  if
• 8:52
  You're
• 8:52
  a
• 8:52
  simpleton.
• 8:53
  I
• 8:53
  know
• 8:53
  that
• 8:53
  sounds
• 8:54
  mean,
• 8:54
  it
• 8:54
  sounds
• 8:54
  judgmental,
• 8:55
  but
• 8:55
  you
• 8:56
  believe
• 8:56
  anything
• 8:56
  like
• 8:57
  a
• 8:57
  little
• 8:57
  kid,
• 8:57
  you
• 8:58
  tell
• 8:58
  a
• 8:58
  little
• 8:58
  kid
• 8:58
  anything,
• 8:58
  they're
• 8:59
  going,
• 8:59
  oh,
• 8:59
  yeah,
• 8:59
  that's
• 9:00
  true.
• 9:00
  I
• 9:00
  believe
• 9:01
  it.
• 9:01
  My
• 9:01
  mom,
• 9:01
  I'll
• 9:01
  tell
• 9:02
  you
• 9:02
  a
• 9:02
  funny
• 9:02
  story.
• 9:02
  My
• 9:02
  mom
• 9:03
  once
• 9:03
  time
• 9:03
  said
• 9:03
  to
• 9:03
  me,
• 9:03
  I
• 9:04
  had
• 9:04
  these
• 9:04
  sneakers.
• 9:04
  I
• 9:05
  really
• 9:05
  want
• 9:05
  to
• 9:05
  get
• 9:05
  these
• 9:05
  tennis
• 9:06
  shoes.
• 9:06
  I
• 9:06
  thought
• 9:06
  these
• 9:06
  were
• 9:06
  cool.
• 9:07
  And
• 9:07
  I
• 9:07
  was
• 9:08
  hounding.
• 9:08
  And
• 9:09
  she
• 9:09
  goes,
• 9:09
  okay,
• 9:09
  son,
• 9:09
  you
• 9:10
  know
• 9:10
  what?
• 9:10
  You
• 9:10
  can
• 9:10
  have
• 9:10
  those
• 9:10
  the
• 9:11
  second
• 9:11
  Tuesday
• 9:11
  and
• 9:12
  next
• 9:12
  week.
• 9:13
  And
• 9:13
  as
• 9:13
  a
• 9:14
  little
• 9:14
  kid,
• 9:14
  I
• 9:14
  thought,
• 9:14
  oh,
• 9:15
  cool,
• 9:15
  there's
• 9:15
  two
• 9:15
  Tuesdays
• 9:16
  next
• 9:16
  week.
• 9:17
  Obviously
• 9:17
  there's
• 9:18
  not
• 9:18
  two
• 9:18
  Tuesdays
• 9:18
  next
• 9:19
  week,
• 9:19
  but
• 9:20
  that's
• 9:20
  being
• 9:20
  simple,
• 9:20
  right?
• 9:21
  But
• 9:21
  prudent
• 9:22
  people,
• 9:23
  they
• 9:23
  give
• 9:24
  thought
• 9:24
  to
• 9:24
  their
• 9:24
  steps.
• 9:25
  So
• 9:25
  the
• 9:25
  key
• 9:25
  today
• 9:25
  is
• 9:25
  be
• 9:26
  prudent,
• 9:26
  be
• 9:27
  measured,
• 9:27
  study,
• 9:28
  ask
• 9:28
  for
• 9:28
  documentation.
• 9:29
  And
• 9:30
  here's
• 9:30
  a
• 9:30
  little
• 9:30
  bonus
• 9:31
  verse
• 9:31
  for
• 9:31
  today.
• 9:32
  Ephesians,
• 9:33
  chapter
• 9:33
  5,
• 9:33
  verse
• 9:34
  15.
• 9:35
  And
• 9:35
  this
• 9:35
  is
• 9:36
  for
• 9:36
  believers.
• 9:36
  I
• 9:36
  really
• 9:37
  believe
• 9:37
  this
• 9:37
  is
• 9:37
  like
• 9:37
  leaning
• 9:38
  into
• 9:38
  our
• 9:38
  position
• 9:39
  as
• 9:39
  a
• 9:39
  believer.
• 9:39
  Be
• 9:39
  very
• 9:40
  careful
• 9:40
  then
• 9:40
  how
• 9:41
  you
• 9:41
  live.
• 9:42
  Not
• 9:42
  as
• 9:42
  unwise,
• 9:43
  but
• 9:43
  as
• 9:43
  wise.
• 9:44
  And
• 9:45
  this
• 9:45
  is
• 9:45
  fundamental.
• 9:45
  We
• 9:46
  have
• 9:46
  to
• 9:46
  live
• 9:46
  as
• 9:46
  wise.
• 9:47
  It's
• 9:47
  easy
• 9:47
  to
• 9:47
  live
• 9:48
  unwise.
• 9:49
  It's
• 9:49
  easy
• 9:49
  to
• 9:49
  live
• 9:50
  with.
• 9:50
  Believe
• 9:50
  in
• 9:50
  everything
• 9:51
  you
• 9:51
  hear.
• 9:52
  It's
• 9:52
  so
• 9:52
  fundamental
• 9:53
  to
• 9:53
  be
• 9:54
  wise.
• 9:55
  Let's
• 9:55
  pray
• 9:55
  for
• 9:55
  some
• 9:56
  wisdom
• 9:56
  together
• 9:56
  right
• 9:57
  now.
• 9:57
  Lord,
• 9:58
  we
• 9:58
  just
• 9:58
  thank
• 9:58
  you
• 9:58
  for
• 9:58
  the
• 9:59
  ability
• 9:59
  to
• 9:59
  have
• 9:59
  discernment.
• 10:00
  It's
• 10:00
  a
• 10:00
  gift,
• 10:00
  Lord,
• 10:01
  that
• 10:01
  so
• 10:01
  many
• 10:01
  of
• 10:01
  us
• 10:01
  take
• 10:02
  for
• 10:02
  granted.
• 10:03
  And,
• 10:03
  Lord,
• 10:03
  we're
• 10:04
  surrounded
• 10:04
  by
• 10:04
  wise
• 10:04
  advisors,
• 10:05
  and
• 10:06
  we
• 10:06
  just
• 10:06
  ask
• 10:06
  that
• 10:06
  you
• 10:06
  would
• 10:07
  help
• 10:07
  us
• 10:07
  to
• 10:07
  recognize
• 10:08
  the
• 10:08
  deception
• 10:08
  when
• 10:08
  we
• 10:09
  see
• 10:09
  it,
• 10:09
  Lord.
• 10:09
  Give
• 10:09
  us
• 10:09
  the
• 10:10
  courage
• 10:10
  to
• 10:10
  say
• 10:10
  no.
• 10:11
  Give
• 10:11
  us
• 10:11
  the
• 10:12
  courage
• 10:12
  to
• 10:12
  stand
• 10:12
  strong
• 10:13
  when
• 10:13
  we
• 10:13
  feel
• 10:13
  pressured,
• 10:14
  Lord,
• 10:14
  and
• 10:14
  help
• 10:14
  us
• 10:15
  to
• 10:15
  not
• 10:15
  be
• 10:16
  living
• 10:16
  in
• 10:16
  that
• 10:17
  intimidation,
• 10:18
  in
• 10:18
  that
• 10:18
  fear,
• 10:19
  Lord,
• 10:19
  and
• 10:20
  we
• 10:20
  just
• 10:20
  thank
• 10:20
  you
• 10:20
  for
• 10:20
  wisdom,
• 10:21
  Lord.
• 10:21
  We
• 10:21
  thank
• 10:22
  you
• 10:22
  for
• 10:22
  protection
• 10:23
  in
• 10:23
  our
• 10:23
  financial
• 10:24
  decisions,
• 10:24
  Lord,
• 10:25
  and
• 10:25
  we
• 10:25
  ask
• 10:25
  this
• 10:26
  in
• 10:26
  the
• 10:26
  mighty
• 10:26
  power
• 10:27
  of
• 10:27
  Jesus.
• 10:28
  Amen.
• 10:29
  So
• 10:30
  here's
• 10:30
  my
• 10:30
  one
• 10:30
  action
• 10:30
  step
• 10:31
  for
• 10:31
  today.
• 10:32
  Before
• 10:32
  you
• 10:32
  buy
• 10:32
  any
• 10:33
  investment,
• 10:33
  if
• 10:33
  you
• 10:33
  hear
• 10:34
  the
• 10:34
  words,
• 10:34
  this
• 10:34
  is
• 10:34
  too
• 10:34
  good
• 10:35
  to
• 10:35
  be
• 10:35
  true.
• 10:35
  Guess
• 10:35
  what?
• 10:35
  My
• 10:35
  grandfather
• 10:36
  was
• 10:36
  right.
• 10:36
  It's
• 10:36
  too
• 10:37
  good
• 10:37
  to
• 10:37
  be
• 10:37
  true.
• 10:37
  Let
• 10:38
  it
• 10:38
  go.
• 10:38
  Let
• 10:38
  it
• 10:38
  go,
• 10:38
  Louis,
• 10:39
  as
• 10:39
  they
• 10:39
  say.
• 10:40
  But
• 10:40
  ask
• 10:40
  some
• 10:41
  questions.
• 10:41
  Is
• 10:41
  this
• 10:41
  a
• 10:42
  registered
• 10:42
  investment?
• 10:43
  Ask
• 10:43
  yourself
• 10:44
  in
• 10:44
  your
• 10:44
  heart,
• 10:44
  is
• 10:44
  this
• 10:45
  too
• 10:45
  good
• 10:45
  to
• 10:45
  be
• 10:45
  true?
• 10:46
  And
• 10:46
  if
• 10:47
  you've
• 10:47
  got
• 10:47
  any
• 10:47
  questions,
• 10:48
  if
• 10:48
  you're
• 10:48
  unsure
• 10:48
  at
• 10:48
  all,
• 10:49
  pause,
• 10:49
  put
• 10:50
  the
• 10:50
  big
• 10:50
  pause
• 10:50
  up.
• 10:51
  Get
• 10:51
  some
• 10:52
  advice,
• 10:53
  because
• 10:53
  we're
• 10:53
  all
• 10:54
  called
• 10:54
  to
• 10:54
  help
• 10:54
  each
• 10:54
  other
• 10:55
  out.
• 10:56
  Save
• 10:56
  yourself
• 10:56
  before
• 10:57
  it's
• 10:57
  too
• 10:57
  late.
• 10:57
  Because
• 10:57
  unfortunately,
• 10:58
  I've
• 10:58
  dealt
• 10:58
  with
• 10:59
  so
• 10:59
  many
• 10:59
  fraud
• 10:59
  cases
• 11:00
  where
• 11:00
  it
• 11:01
  was
• 11:01
  too
• 11:01
  late.
• 11:01
  That
• 11:02
  person
• 11:02
  was
• 11:02
  intimidated.
• 11:03
  They
• 11:03
  were
• 11:03
  Rushed,
• 11:04
  they
• 11:04
  were
• 11:04
  feared
• 11:04
  and
• 11:04
  they
• 11:04
  lost
• 11:05
  it
• 11:05
  all.
• 11:06
  And
• 11:07
  the
• 11:07
  truth
• 11:07
  is,
• 11:07
  scams
• 11:08
  feed
• 11:08
  on
• 11:08
  our,
• 11:08
  on
• 11:09
  our
• 11:09
  natural
• 11:09
  inclination
• 11:10
  to
• 11:10
  be
• 11:10
  greedy.
• 11:10
  And
• 11:11
  we're
• 11:11
  going
• 11:11
  to
• 11:11
  be
• 11:11
  honest
• 11:11
  with
• 11:11
  ourselves
• 11:12
  as
• 11:12
  fleshly
• 11:13
  people.
• 11:13
  We're
• 11:13
  greedy
• 11:14
  people
• 11:15
  and
• 11:15
  we're
• 11:15
  fearful
• 11:16
  people.
• 11:16
  We
• 11:16
  don't
• 11:17
  have
• 11:17
  to
• 11:17
  live
• 11:17
  like
• 11:17
  that.
• 11:18
  Look
• 11:18
  for
• 11:18
  those
• 11:18
  red
• 11:19
  flags.
• 11:19
  If
• 11:19
  you
• 11:19
  hear
• 11:19
  the
• 11:20
  word
• 11:20
  guaranteed
• 11:20
  or
• 11:20
  you
• 11:20
  hear
• 11:21
  some
• 11:21
  kind
• 11:21
  of
• 11:21
  urgency
• 11:22
  or
• 11:22
  unregistered
• 11:23
  sellers,
• 11:23
  run
• 11:24
  the
• 11:24
  other
• 11:24
  direction.
• 11:24
  Know
• 11:24
  the
• 11:25
  flags.
• 11:26
  Practice
• 11:26
  prudence.
• 11:27
  Practice
• 11:27
  prayer.
• 11:28
  You
• 11:29
  got
• 11:29
  to
• 11:29
  protect
• 11:29
  your
• 11:29
  financial
• 11:30
  future.
• 11:30
  Remember,
• 11:30
  God
• 11:31
  gives
• 11:31
  us
• 11:31
  wisdom
• 11:32
  to
• 11:32
  walk
• 11:32
  in
• 11:32
  safety.
• 11:33
  You
• 11:33
  don't
• 11:33
  have
• 11:33
  to
• 11:33
  live
• 11:34
  in
• 11:34
  fear,
• 11:35
  but
• 11:35
  you
• 11:35
  do
• 11:35
  need
• 11:35
  to
• 11:36
  be
• 11:36
  wise.
• 11:37
  So
• 11:37
  that's
• 11:37
  my
• 11:37
  takeaway
• 11:38
  for
• 11:38
  day.
• 11:38
  Be
• 11:38
  wise.
• 11:38
  And
• 11:39
  tomorrow
• 11:39
  we're
• 11:39
  going
• 11:40
  to
• 11:40
  talk
• 11:40
  about
• 11:40
  the
• 11:40
  importance
• 11:41
  of
• 11:41
  investing
• 11:41
  regularly.
• 11:42
  We're
• 11:43
  going
• 11:43
  to
• 11:43
  talk
• 11:43
  about
• 11:43
  something
• 11:43
  a
• 11:43
  little
• 11:44
  bit
• 11:44
  in
• 11:44
  the
• 11:44
  weeds
• 11:44
  tomorrow.
• 11:45
  Specifically
• 11:45
  dollar
• 11:46
  cost
• 11:46
  averaging.
• 11:47
  Don't
• 11:47
  lose
• 11:47
  sight
• 11:47
  of
• 11:47
  that.
• 11:48
  It's
• 11:48
  very
• 11:48
  important
• 11:49
  and
• 11:49
  it'll
• 11:49
  make
• 11:50
  sense
• 11:50
  tomorrow.
• 11:50
  So
• 11:50
  I
• 11:50
  encourage
• 11:50
  you
• 11:51
  to
• 11:51
  join
• 11:51
  me
• 11:51
  tomorrow.
• 11:52
  Now,
• 11:52
  one
• 11:52
  of
• 11:52
  the
• 11:53
  things
• 11:53
  I
• 11:53
  want
• 11:53
  to
• 11:53
  tell
• 11:53
  you
• 11:53
  right
• 11:53
  now
• 11:53
  is
• 11:54
  if
• 11:54
  you've
• 11:54
  got
• 11:54
  a
• 11:54
  question
• 11:54
  for
• 11:55
  the
• 11:55
  show,
• 11:55
  we've
• 11:55
  done
• 11:55
  some
• 11:55
  great
• 11:56
  questions
• 11:56
  the
• 11:56
  last
• 11:56
  couple
• 11:57
  of
• 11:57
  weeks.
• 11:57
  If
• 11:58
  you've
• 11:58
  got
• 11:58
  a
• 11:58
  question
• 11:58
  for
• 11:58
  the
• 11:59
  show,
• 11:59
  listen,
• 11:59
  I
• 11:59
  love
• 12:00
  answering
• 12:00
  questions.
• 12:00
  This
• 12:00
  is
• 12:00
  what
• 12:00
  I
• 12:01
  do.
• 12:01
  I'm,
• 12:01
  I
• 12:01
  feed
• 12:01
  on
• 12:02
  this.
• 12:02
  As
• 12:02
  you
• 12:03
  can
• 12:03
  tell,
• 12:03
  I'm
• 12:03
  excited
• 12:03
  about
• 12:03
  this.
• 12:04
  This
• 12:04
  question
• 12:04
  today
• 12:05
  made
• 12:05
  me
• 12:05
  excited.
• 12:06
  Well,
• 12:06
  if
• 12:06
  you've
• 12:06
  got
• 12:06
  a
• 12:07
  question,
• 12:07
  I
• 12:07
  set
• 12:08
  up
• 12:08
  a
• 12:08
  website
• 12:08
  just
• 12:08
  for
• 12:08
  that.
• 12:09
  You
• 12:09
  can
• 12:09
  go
• 12:09
  to
• 12:09
  justaskralph.com,
• 12:11
  put
• 12:11
  your
• 12:11
  name,
• 12:12
  your
• 12:12
  email
• 12:12
  address
• 12:12
  and
• 12:12
  put
• 12:13
  your
• 12:13
  question
• 12:13
  there.
• 12:14
  Because
• 12:14
  helping
• 12:14
  others,
• 12:15
  that's
• 12:15
  my
• 12:15
  mission
• 12:15
  field.
• 12:16
  A
• 12:16
  lot
• 12:16
  of
• 12:16
  people
• 12:16
  say,
• 12:16
  ralph,
• 12:17
  what's
• 12:17
  your
• 12:17
  mission?
• 12:17
  My
• 12:18
  wishing
• 12:18
  is
• 12:19
  to
• 12:19
  help
• 12:19
  people
• 12:19
  and
• 12:20
  answer
• 12:20
  your
• 12:20
  question.
• 12:20
  So
• 12:20
  if
• 12:21
  you've
• 12:21
  got
• 12:21
  a
• 12:21
  question,
• 12:21
  go
• 12:22
  to
• 12:22
  justaskRalph.com
• 12:24
  and
• 12:24
  your
• 12:24
  question
• 12:24
  could
• 12:25
  be
• 12:25
  put
• 12:25
  on
• 12:25
  the
• 12:25
  show.
• 12:25
  Listen,
• 12:26
  if
• 12:26
  you
• 12:26
  don't
• 12:26
  want
• 12:26
  to
• 12:26
  use
• 12:26
  your
• 12:26
  name,
• 12:26
  I'm
• 12:27
  cool
• 12:27
  with
• 12:27
  that.
• 12:27
  Just
• 12:27
  say,
• 12:27
  ralph,
• 12:28
  I
• 12:28
  just
• 12:28
  got
• 12:28
  an
• 12:28
  anonymous
• 12:29
  question.
• 12:29
  Send
• 12:30
  it
• 12:30
  in
• 12:30
  to
• 12:30
  me.
• 12:31
  Don't
• 12:31
  live
• 12:31
  in
• 12:32
  fear.
• 12:33
  Be
• 12:33
  prudent,
• 12:34
  Be
• 12:34
  patient.
• 12:35
  Be
• 12:35
  wise.
• 12:36
  Remember,
• 12:36
  God
• 12:37
  is
• 12:37
  there
• 12:37
  for
• 12:37
  you.
• 12:37
  God
• 12:38
  is
• 12:38
  there
• 12:38
  to
• 12:38
  guide
• 12:39
  you
• 12:39
  in
• 12:39
  all
• 12:39
  things.
• 12:40
  You
• 12:40
  just
• 12:40
  have
• 12:40
  to
• 12:41
  reach
• 12:41
  out
• 12:41
  and
• 12:41
  ask
• 12:41
  him.
• 12:42
  So
• 12:42
  I
• 12:42
  want
• 12:42
  to
• 12:42
  encourage
• 12:43
  you
• 12:43
  today,
• 12:43
  stay
• 12:44
  financially
• 12:44
  savvy.
• 12:45
  Be
• 12:45
  that
• 12:46
  financially
• 12:46
  confident
• 12:47
  Christian
• 12:47
  that
• 12:47
  I
• 12:47
  know
• 12:48
  you
• 12:48
  can
• 12:48
  be.
• 12:49
  God
• 12:49
  bless
• 12:50
  you
• 12:50
  and
• 12:50
  you
• 12:50
  have
• 12:50
  a
• 12:51
  great
• 12:51
  day
• 12:51
  today.