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Reviewing Your Investments: When to Check Your Portfolio? · Becoming Financially Confident

• 1:20
  So
• 1:21
  today
• 1:21
  I
• 1:21
  thought
• 1:21
  I'd
• 1:21
  start
• 1:21
  with
• 1:22
  some
• 1:22
  statistics.
• 1:22
  You
• 1:22
  know,
• 1:23
  you
• 1:23
  always
• 1:23
  like
• 1:23
  Ralphie
• 1:23
  because
• 1:24
  he
• 1:24
  brings
• 1:24
  us
• 1:24
  statistics.
• 1:25
  Well,
• 1:25
  think
• 1:25
  about
• 1:25
  this
• 1:25
  one.
• 1:25
  This
• 1:26
  is
• 1:26
  a
• 1:26
  2023
• 1:27
  CNBC
• 1:28
  survey,
• 1:29
  and
• 1:29
  the
• 1:29
  results
• 1:30
  were
• 1:30
  pretty
• 1:30
  amazing.
• 1:30
  It
• 1:31
  found
• 1:31
  that
• 1:31
  46%
• 1:32
  of
• 1:32
  Americans
• 1:34
  didn't
• 1:34
  know
• 1:34
  what
• 1:34
  their
• 1:34
  401k
• 1:35
  contributions
• 1:36
  are
• 1:36
  invested
• 1:37
  in.
• 1:37
  46%.
• 1:38
  Well,
• 1:38
  think
• 1:38
  about
• 1:39
  this,
• 1:39
  though.
• 1:40
  It
• 1:40
  rises
• 1:40
  to
• 1:41
  54%
• 1:42
  for
• 1:42
  those
• 1:43
  people
• 1:43
  in
• 1:43
  the
• 1:43
  age
• 1:44
  group
• 1:44
  of
• 1:44
  18
• 1:44
  to
• 1:45
  34.
• 1:46
  I
• 1:46
  just
• 1:46
  found
• 1:47
  that
• 1:47
  amazing.
• 1:47
  54%
• 1:49
  have
• 1:49
  no
• 1:49
  idea
• 1:50
  what
• 1:50
  their
• 1:50
  contributions
• 1:51
  are
• 1:51
  invested
• 1:52
  in.
• 1:53
  Then
• 1:53
  we
• 1:53
  found
• 1:53
  this
• 1:54
  survey.
• 1:54
  And
• 1:54
  I
• 1:54
  want
• 1:54
  to
• 1:54
  thank
• 1:55
  Abby,
• 1:55
  my
• 1:55
  VA,
• 1:56
  for
• 1:56
  this.
• 1:56
  She
• 1:56
  found
• 1:56
  this
• 1:56
  survey.
• 1:57
  This
• 1:57
  is
• 1:57
  from
• 1:58
  BlackRock.
• 1:58
  A
• 1:58
  2025
• 1:59
  survey
• 2:00
  found
• 2:00
  that
• 2:00
  40%.
• 2:01
  Yeah,
• 2:01
  you
• 2:01
  heard
• 2:02
  me
• 2:02
  right.
• 2:02
  40%
• 2:03
  of
• 2:03
  investors
• 2:04
  review
• 2:04
  their
• 2:05
  retirement
• 2:05
  accounts
• 2:06
  monthly.
• 2:07
  Okay,
• 2:07
  well,
• 2:07
  here's
• 2:07
  the
• 2:08
  rest
• 2:08
  of
• 2:08
  the
• 2:08
  story.
• 2:09
  26%
• 2:09
  review
• 2:10
  them
• 2:10
  quarterly,
• 2:11
  16%
• 2:12
  yearly
• 2:12
  or
• 2:12
  less.
• 2:13
  And
• 2:13
  listen
• 2:13
  to
• 2:13
  this
• 2:13
  one.
• 2:14
  And
• 2:14
  I
• 2:15
  was
• 2:15
  amazed
• 2:15
  when
• 2:15
  I
• 2:15
  read
• 2:15
  this.
• 2:17
  17%
• 2:19
  don't
• 2:19
  even
• 2:19
  check
• 2:20
  them
• 2:20
  at
• 2:20
  all.
• 2:21
  Which
• 2:21
  lead
• 2:21
  us
• 2:21
  to
• 2:22
  this
• 2:22
  study.
• 2:22
  Finra.
• 2:23
  There
• 2:23
  was
• 2:23
  a
• 2:23
  study
• 2:24
  called
• 2:24
  Investors
• 2:24
  in
• 2:25
  the
• 2:25
  US
• 2:25
  The
• 2:25
  Changing
• 2:26
  Landscape.
• 2:26
  And
• 2:26
  this
• 2:26
  is
• 2:26
  what
• 2:27
  this
• 2:27
  report
• 2:27
  showed
• 2:27
  us.
• 2:28
  21%
• 2:29
  of
• 2:29
  investors
• 2:29
  don't
• 2:30
  think
• 2:30
  they
• 2:30
  pay
• 2:30
  any
• 2:31
  fees
• 2:31
  for
• 2:31
  investing.
• 2:32
  Now,
• 2:32
  that's
• 2:32
  not
• 2:32
  the
• 2:32
  topic
• 2:32
  of
• 2:33
  today's
• 2:33
  show.
• 2:33
  I
• 2:33
  actually
• 2:33
  talked
• 2:33
  about
• 2:34
  that
• 2:34
  a
• 2:34
  few
• 2:34
  days
• 2:35
  ago,
• 2:35
  but
• 2:36
  that's
• 2:36
  a
• 2:36
  big
• 2:36
  deal.
• 2:36
  And
• 2:37
  17%
• 2:37
  we're
• 2:37
  using
• 2:38
  17
• 2:38
  again,
• 2:39
  said
• 2:39
  they
• 2:39
  don't
• 2:39
  know
• 2:40
  how
• 2:40
  much
• 2:40
  money
• 2:40
  they
• 2:40
  pay
• 2:41
  in
• 2:41
  fees.
• 2:42
  And
• 2:42
  here's
• 2:43
  one
• 2:43
  more
• 2:43
  piece
• 2:43
  of
• 2:43
  statistic.
• 2:44
  This
• 2:44
  is
• 2:44
  from
• 2:44
  NerdWallet.
• 2:45
  This
• 2:45
  was
• 2:45
  a
• 2:45
  NerdWallet
• 2:46
  survey.
• 2:47
  68%
• 2:48
  of
• 2:48
  investors,
• 2:49
  almost
• 2:49
  two
• 2:49
  thirds,
• 2:50
  said
• 2:51
  they
• 2:51
  don't
• 2:51
  know
• 2:51
  the
• 2:51
  best
• 2:52
  way
• 2:52
  to
• 2:52
  invest
• 2:52
  according
• 2:53
  to
• 2:53
  their
• 2:53
  values.
• 2:54
  What
• 2:54
  are
• 2:54
  we
• 2:54
  talking
• 2:54
  about?
• 2:54
  Their
• 2:55
  financial
• 2:55
  illiteracy.
• 2:57
  And
• 2:57
  listen
• 2:57
  to
• 2:58
  this
• 2:58
  statistic.
• 2:59
  23%
• 3:00
  say
• 3:00
  most
• 3:00
  of
• 3:00
  their
• 3:01
  investments
• 3:01
  actually
• 3:02
  align
• 3:02
  with
• 3:02
  their
• 3:03
  values.
• 3:03
  23%.
• 3:04
  But
• 3:04
  think
• 3:04
  about
• 3:04
  the
• 3:05
  other
• 3:05
  side
• 3:05
  of
• 3:05
  that.
• 3:06
  That
• 3:06
  means
• 3:07
  77%
• 3:08
  of
• 3:08
  their
• 3:08
  investments
• 3:10
  don't
• 3:10
  align
• 3:10
  with
• 3:10
  their
• 3:11
  values.
• 3:12
  And
• 3:12
  I'm
• 3:13
  going
• 3:13
  to
• 3:13
  share
• 3:13
  one
• 3:13
  more
• 3:13
  statistic
• 3:14
  with
• 3:14
  you.
• 3:15
  Only
• 3:15
  about
• 3:16
  50%.
• 3:17
  Now,
• 3:17
  we're
• 3:17
  talking
• 3:17
  about
• 3:17
  us.
• 3:17
  Households
• 3:18
  here
• 3:18
  can
• 3:19
  answer
• 3:19
  three
• 3:19
  basic
• 3:20
  money
• 3:20
  questions,
• 3:21
  right?
• 3:22
  And
• 3:22
  I
• 3:22
  just
• 3:23
  found
• 3:23
  that
• 3:23
  sad.
• 3:25
  This
• 3:25
  is
• 3:25
  true.
• 3:25
  This
• 3:25
  many
• 3:26
  people
• 3:26
  don't
• 3:26
  know
• 3:26
  which
• 3:27
  investments
• 3:27
  are
• 3:27
  riskier.
• 3:28
  And
• 3:28
  they
• 3:28
  often
• 3:29
  get
• 3:29
  these
• 3:29
  questions
• 3:30
  wrong.
• 3:30
  And
• 3:30
  that's
• 3:30
  something
• 3:30
  we
• 3:31
  need
• 3:31
  to
• 3:31
  change.
• 3:32
  Which
• 3:32
  leads
• 3:32
  us
• 3:32
  to
• 3:33
  today's
• 3:33
  listener
• 3:33
  question.
• 3:34
  Ralph,
• 3:35
  I
• 3:35
  check
• 3:35
  my
• 3:36
  investments
• 3:36
  every
• 3:36
  single
• 3:37
  day,
• 3:37
  and
• 3:37
  it
• 3:37
  makes
• 3:38
  me
• 3:38
  anxious.
• 3:39
  How
• 3:39
  often
• 3:40
  should
• 3:40
  I
• 3:40
  really
• 3:40
  be
• 3:40
  looking
• 3:41
  at
• 3:41
  them?
• 3:42
  Well,
• 3:42
  let
• 3:42
  me
• 3:42
  just
• 3:42
  tell
• 3:43
  you
• 3:43
  right
• 3:43
  now,
• 3:43
  that
• 3:43
  is
• 3:43
  to
• 3:44
  the
• 3:44
  extreme.
• 3:44
  Now
• 3:45
  Listen,
• 3:45
  I
• 3:45
  actually
• 3:45
  tell
• 3:45
  you
• 3:45
  a
• 3:46
  story
• 3:46
  in
• 3:46
  a
• 3:46
  couple
• 3:46
  minutes
• 3:46
  about
• 3:46
  a
• 3:47
  client
• 3:47
  that
• 3:47
  checks
• 3:47
  them
• 3:47
  more
• 3:48
  than
• 3:48
  once
• 3:48
  a
• 3:48
  day,
• 3:49
  but
• 3:49
  that's
• 3:50
  to
• 3:50
  the
• 3:50
  extreme.
• 3:50
  And
• 3:50
  yes,
• 3:51
  you're
• 3:51
  making
• 3:51
  yourself
• 3:52
  crazy
• 3:52
  like
• 3:52
  this.
• 3:53
  This
• 3:53
  is
• 3:54
  not
• 3:54
  the
• 3:54
  thing
• 3:54
  to
• 3:54
  be
• 3:54
  checking
• 3:55
  every
• 3:55
  single
• 3:55
  day.
• 3:55
  The
• 3:55
  markets
• 3:56
  don't
• 3:56
  work
• 3:56
  that
• 3:56
  way.
• 3:58
  So
• 3:58
  how
• 3:58
  often
• 3:59
  should
• 3:59
  you
• 3:59
  be
• 3:59
  checking
• 4:00
  your
• 4:00
  portfolio?
• 4:01
  Every
• 4:01
  day,
• 4:02
  Once
• 4:02
  a
• 4:02
  year,
• 4:02
  or
• 4:03
  somewhere
• 4:03
  in
• 4:03
  between?
• 4:04
  Well,
• 4:05
  today
• 4:05
  I
• 4:05
  want
• 4:05
  to
• 4:05
  help
• 4:05
  you
• 4:05
  build
• 4:05
  a
• 4:06
  rhythm
• 4:06
  that
• 4:06
  brings
• 4:06
  peace
• 4:07
  instead
• 4:07
  of
• 4:07
  stress.
• 4:08
  Are
• 4:08
  you
• 4:08
  ready
• 4:08
  for
• 4:08
  some
• 4:08
  peace?
• 4:09
  Well,
• 4:09
  let's
• 4:10
  get
• 4:10
  to
• 4:10
  it.
• 4:10
  On
• 4:10
  today's
• 4:11
  show,
• 4:13
  this
• 4:13
  is
• 4:13
  Financially
• 4:14
  Confident
• 4:14
  Christian.
• 4:15
  Your
• 4:15
  daily
• 4:16
  dose
• 4:16
  of
• 4:16
  gospel,
• 4:17
  grounded
• 4:17
  insight
• 4:17
  and
• 4:18
  faith
• 4:18
  driven
• 4:18
  tips
• 4:19
  to
• 4:19
  help
• 4:19
  you
• 4:19
  break
• 4:20
  the
• 4:20
  cycle
• 4:20
  of
• 4:20
  financial
• 4:21
  shame
• 4:21
  with
• 4:21
  confidence.
• 4:25
  Hello,
• 4:26
  welcome
• 4:26
  back
• 4:26
  to
• 4:26
  the
• 4:26
  show.
• 4:27
  My
• 4:27
  name
• 4:27
  is
• 4:27
  Ralph.
• 4:27
  I
• 4:27
  want
• 4:28
  to
• 4:28
  just
• 4:28
  welcome
• 4:28
  you
• 4:29
  to
• 4:29
  Financially
• 4:29
  Confident
• 4:30
  Christian.
• 4:31
  My
• 4:31
  goal
• 4:31
  is
• 4:31
  to
• 4:31
  help
• 4:31
  you
• 4:31
  break
• 4:32
  that
• 4:32
  cycle
• 4:32
  of
• 4:32
  financial
• 4:33
  shame
• 4:33
  and
• 4:34
  do
• 4:34
  it
• 4:34
  with
• 4:34
  confidence.
• 4:35
  And
• 4:36
  I've
• 4:36
  helped
• 4:36
  clients
• 4:36
  just
• 4:37
  like
• 4:37
  you,
• 4:37
  people
• 4:37
  who
• 4:37
  are
• 4:38
  stressed
• 4:38
  about
• 4:38
  investments,
• 4:39
  they're
• 4:40
  sick
• 4:40
  of
• 4:40
  watching
• 4:40
  the
• 4:41
  markets
• 4:41
  go
• 4:42
  up
• 4:42
  and
• 4:42
  down
• 4:42
  daily.
• 4:42
  First
• 4:43
  thing
• 4:43
  I'll
• 4:43
  tell
• 4:43
  you
• 4:43
  right
• 4:43
  now,
• 4:44
  key
• 4:44
  takeaway,
• 4:44
  before
• 4:44
  we
• 4:44
  even
• 4:45
  get
• 4:45
  rolling,
• 4:45
  stop
• 4:46
  doing
• 4:46
  that.
• 4:47
  The
• 4:47
  daily
• 4:47
  ebb
• 4:48
  and
• 4:48
  flow
• 4:48
  will
• 4:48
  drive
• 4:49
  you
• 4:49
  crazy.
• 4:49
  In
• 4:50
  fact,
• 4:50
  it
• 4:50
  will
• 4:50
  make
• 4:51
  you
• 4:51
  physically
• 4:51
  ill.
• 4:52
  I'm
• 4:52
  talking,
• 4:53
  this
• 4:53
  is
• 4:53
  a
• 4:53
  real
• 4:53
  thing.
• 4:54
  It
• 4:54
  will
• 4:54
  make
• 4:54
  you
• 4:54
  physically
• 4:55
  ill.
• 4:55
  I
• 4:56
  have
• 4:56
  seen
• 4:56
  people
• 4:57
  that
• 4:57
  are
• 4:57
  physically
• 4:58
  ill
• 4:58
  about
• 4:58
  this,
• 4:59
  but
• 4:59
  on
• 4:59
  the
• 5:00
  other
• 5:00
  side,
• 5:00
  I've
• 5:00
  seen
• 5:00
  people
• 5:01
  come
• 5:01
  to
• 5:01
  peace
• 5:02
  when
• 5:02
  they
• 5:02
  set
• 5:02
  a
• 5:03
  rhythm
• 5:03
  for
• 5:03
  reviewing
• 5:04
  these
• 5:04
  portfolios.
• 5:05
  And
• 5:05
  that's
• 5:05
  what
• 5:05
  we're
• 5:05
  talking
• 5:06
  about
• 5:06
  today.
• 5:06
  We're
• 5:06
  going
• 5:06
  to
• 5:06
  talk
• 5:07
  about
• 5:07
  how
• 5:07
  to
• 5:07
  build
• 5:07
  that
• 5:07
  rhythm
• 5:08
  because
• 5:08
  that
• 5:09
  rhythm
• 5:09
  is
• 5:09
  how
• 5:09
  we
• 5:09
  find
• 5:10
  peace.
• 5:10
  And
• 5:11
  listen,
• 5:11
  our
• 5:12
  God,
• 5:12
  Christ
• 5:12
  wants
• 5:13
  us
• 5:13
  to
• 5:13
  be
• 5:13
  at
• 5:14
  peace.
• 5:15
  So
• 5:15
  let
• 5:15
  me
• 5:15
  tell
• 5:15
  you
• 5:15
  about
• 5:15
  a
• 5:16
  client
• 5:16
  I
• 5:16
  worked
• 5:16
  with.
• 5:17
  I
• 5:17
  had
• 5:17
  this
• 5:17
  client
• 5:18
  and
• 5:18
  he
• 5:18
  was
• 5:18
  a
• 5:19
  brilliant
• 5:19
  investment
• 5:19
  guy.
• 5:20
  I
• 5:20
  mean,
• 5:20
  he
• 5:20
  knew,
• 5:20
  he
• 5:21
  honestly,
• 5:21
  he
• 5:21
  knew
• 5:21
  more
• 5:22
  about
• 5:22
  investments
• 5:22
  than
• 5:22
  I
• 5:22
  did.
• 5:23
  But
• 5:23
  the
• 5:24
  problem
• 5:24
  is
• 5:24
  this
• 5:24
  dude
• 5:24
  was
• 5:25
  on
• 5:25
  his
• 5:25
  phone
• 5:26
  24
• 5:26
  hours
• 5:26
  a
• 5:27
  day
• 5:27
  checking
• 5:27
  this
• 5:27
  market,
• 5:28
  checking
• 5:28
  that
• 5:28
  market.
• 5:29
  He
• 5:29
  was
• 5:29
  constantly
• 5:30
  living
• 5:30
  in
• 5:31
  this
• 5:31
  state
• 5:31
  of
• 5:31
  anxiety.
• 5:31
  He
• 5:32
  said
• 5:32
  me
• 5:32
  one
• 5:32
  time,
• 5:32
  he
• 5:32
  said,
• 5:32
  Ralph,
• 5:33
  I
• 5:33
  don't
• 5:33
  even
• 5:33
  eat
• 5:34
  during
• 5:34
  the
• 5:34
  day
• 5:34
  when
• 5:34
  the
• 5:34
  markets
• 5:35
  are
• 5:35
  open
• 5:35
  because
• 5:36
  my
• 5:36
  stomach
• 5:36
  is
• 5:37
  a
• 5:37
  constant
• 5:38
  battle
• 5:38
  of
• 5:38
  the
• 5:38
  boom,
• 5:39
  boom,
• 5:39
  boom
• 5:39
  going
• 5:39
  off
• 5:39
  all
• 5:39
  the
• 5:40
  time.
• 5:40
  He
• 5:41
  was
• 5:41
  constantly
• 5:41
  anxious.
• 5:42
  But
• 5:42
  here's
• 5:43
  the
• 5:43
  problem
• 5:43
  with
• 5:43
  being
• 5:43
  anxious.
• 5:43
  A
• 5:44
  lot
• 5:44
  of
• 5:44
  people
• 5:44
  don't
• 5:44
  talk
• 5:44
  about
• 5:44
  this.
• 5:44
  These
• 5:45
  financial
• 5:46
  knucklehead
• 5:46
  gurus
• 5:47
  on
• 5:47
  tv.
• 5:48
  Being
• 5:48
  anxious
• 5:49
  like
• 5:49
  that
• 5:49
  leads
• 5:50
  you
• 5:50
  to
• 5:50
  making
• 5:50
  rash
• 5:51
  decisions.
• 5:52
  It
• 5:52
  leads
• 5:52
  you
• 5:52
  to
• 5:52
  making
• 5:52
  reactionary
• 5:53
  decisions.
• 5:55
  And
• 5:55
  when
• 5:55
  you
• 5:55
  make
• 5:55
  those
• 5:56
  reactionary
• 5:56
  decisions,
• 5:56
  I
• 5:57
  don't
• 5:57
  know
• 5:57
  about
• 5:57
  you,
• 5:57
  but
• 5:57
  most
• 5:57
  of
• 5:57
  the
• 5:58
  time
• 5:58
  they
• 5:58
  turn
• 5:58
  out
• 5:59
  to
• 5:59
  not
• 5:59
  be
• 5:59
  the
• 5:59
  best
• 6:00
  decisions,
• 6:00
  do
• 6:00
  they?
• 6:01
  But
• 6:02
  I
• 6:02
  work
• 6:02
  with
• 6:02
  him.
• 6:02
  And
• 6:02
  I
• 6:03
  said,
• 6:03
  listen,
• 6:03
  guy,
• 6:03
  I
• 6:03
  get
• 6:04
  it.
• 6:04
  You're
• 6:04
  a
• 6:04
  smart
• 6:04
  guy.
• 6:05
  You
• 6:05
  are
• 6:05
  key
• 6:05
  into
• 6:05
  this
• 6:06
  investment
• 6:06
  thing.
• 6:07
  But
• 6:07
  I
• 6:07
  said,
• 6:07
  let's
• 6:07
  take
• 6:08
  a
• 6:08
  step
• 6:08
  back.
• 6:09
  Let's
• 6:09
  start
• 6:09
  to
• 6:09
  think
• 6:09
  about
• 6:09
  these
• 6:10
  things
• 6:10
  in
• 6:10
  the
• 6:10
  long
• 6:10
  term.
• 6:11
  And
• 6:11
  I
• 6:11
  convinced
• 6:11
  them
• 6:11
  to
• 6:12
  start
• 6:12
  talking
• 6:12
  about
• 6:12
  things
• 6:13
  quarterly.
• 6:14
  We
• 6:14
  changed
• 6:15
  that
• 6:15
  schedule
• 6:15
  from
• 6:15
  daily
• 6:16
  to
• 6:16
  courting.
• 6:16
  I
• 6:17
  gotta
• 6:17
  be
• 6:17
  honest
• 6:17
  with
• 6:17
  you,
• 6:17
  I'm
• 6:17
  not
• 6:18
  sure
• 6:18
  he
• 6:18
  did
• 6:18
  it.
• 6:18
  At
• 6:18
  first
• 6:18
  he's
• 6:19
  like,
• 6:19
  Ralph,
• 6:19
  I
• 6:19
  don't
• 6:19
  know
• 6:19
  if
• 6:19
  I
• 6:19
  can
• 6:19
  do
• 6:20
  this.
• 6:20
  But
• 6:20
  over
• 6:21
  time,
• 6:21
  he
• 6:21
  started
• 6:21
  to
• 6:21
  see,
• 6:22
  you
• 6:22
  know
• 6:22
  what,
• 6:22
  Ralph?
• 6:23
  My
• 6:23
  stress
• 6:24
  has
• 6:24
  dropped.
• 6:25
  And
• 6:25
  here's
• 6:25
  the
• 6:25
  other
• 6:26
  side
• 6:26
  of
• 6:26
  this.
• 6:27
  His
• 6:27
  portfolio
• 6:28
  actually
• 6:28
  grew
• 6:29
  better.
• 6:29
  When
• 6:30
  he
• 6:30
  stopped
• 6:30
  reacting
• 6:31
  and
• 6:31
  doing
• 6:32
  it
• 6:32
  every
• 6:32
  day.
• 6:32
  What
• 6:32
  did
• 6:32
  he
• 6:33
  found?
• 6:33
  He
• 6:33
  found
• 6:34
  peace.
• 6:35
  And
• 6:35
  I
• 6:35
  found
• 6:35
  this
• 6:36
  quote
• 6:36
  from
• 6:36
  a
• 6:36
  financial
• 6:37
  planner,
• 6:37
  his
• 6:37
  name
• 6:37
  is
• 6:37
  Carl
• 6:38
  Richards.
• 6:38
  And
• 6:38
  he
• 6:38
  says,
• 6:39
  this
• 6:39
  risk
• 6:39
  is
• 6:40
  what's
• 6:40
  left
• 6:40
  over
• 6:41
  when
• 6:41
  you
• 6:41
  think
• 6:41
  you've
• 6:42
  thought
• 6:42
  of
• 6:42
  everything.
• 6:44
  And
• 6:44
  I
• 6:44
  love
• 6:44
  that
• 6:45
  because
• 6:45
  think
• 6:45
  about
• 6:45
  this,
• 6:45
  reviewing
• 6:46
  too
• 6:46
  often.
• 6:46
  If
• 6:47
  you,
• 6:47
  if
• 6:47
  you're
• 6:47
  that
• 6:47
  person
• 6:48
  that's
• 6:48
  checking
• 6:48
  that
• 6:48
  constantly.
• 6:49
  And
• 6:49
  listen,
• 6:49
  I
• 6:49
  got
• 6:49
  clients
• 6:49
  that
• 6:50
  do
• 6:50
  this
• 6:51
  every
• 6:51
  month.
• 6:51
  Every
• 6:52
  week
• 6:52
  they're
• 6:52
  checking
• 6:52
  their
• 6:52
  employee
• 6:53
  investment
• 6:53
  portfolio.
• 6:53
  And
• 6:54
  I'm
• 6:54
  not
• 6:54
  an
• 6:54
  investment
• 6:54
  advisor,
• 6:55
  but
• 6:55
  I
• 6:56
  hear
• 6:56
  from
• 6:56
  these
• 6:56
  clients
• 6:57
  and
• 6:58
  they
• 6:58
  get
• 6:58
  into
• 6:58
  this
• 6:58
  feeling
• 6:59
  like
• 6:59
  everything
• 6:59
  is
• 6:59
  at
• 7:00
  risk.
• 7:00
  They're
• 7:00
  like
• 7:00
  everything
• 7:00
  is
• 7:01
  burning
• 7:01
  down,
• 7:01
  Ralph.
• 7:02
  And
• 7:03
  it's
• 7:03
  a
• 7:03
  mindset.
• 7:04
  And
• 7:04
  if
• 7:04
  you
• 7:05
  live
• 7:05
  in
• 7:05
  that
• 7:05
  mindset,
• 7:06
  you're
• 7:06
  going
• 7:06
  to
• 7:06
  be
• 7:06
  constantly
• 7:06
  even
• 7:07
  in
• 7:07
  fear
• 7:07
  and
• 7:07
  you're
• 7:08
  going
• 7:08
  to
• 7:08
  be
• 7:08
  reacting
• 7:08
  and
• 7:09
  you're
• 7:09
  going
• 7:09
  to
• 7:09
  make
• 7:09
  bad
• 7:10
  results.
• 7:11
  So
• 7:11
  you're
• 7:11
  ready
• 7:11
  to
• 7:11
  stop
• 7:12
  making
• 7:12
  those
• 7:12
  bad
• 7:12
  results
• 7:13
  and
• 7:13
  find
• 7:13
  peace.
• 7:14
  Well,
• 7:14
  let's
• 7:14
  get
• 7:14
  to
• 7:14
  it.
• 7:15
  Here's
• 7:16
  my
• 7:16
  honest
• 7:16
  to
• 7:17
  God
• 7:17
  opinion.
• 7:18
  Daily
• 7:18
  reviews.
• 7:19
  If
• 7:19
  you
• 7:19
  do
• 7:19
  that
• 7:19
  daily,
• 7:20
  it's
• 7:20
  going
• 7:20
  to
• 7:20
  magnify
• 7:21
  every
• 7:21
  little
• 7:22
  swing.
• 7:22
  We
• 7:23
  talked
• 7:23
  about
• 7:23
  it
• 7:23
  the
• 7:23
  other
• 7:23
  day.
• 7:23
  Markets
• 7:24
  go
• 7:24
  up
• 7:24
  and
• 7:24
  down.
• 7:24
  That's
• 7:25
  what
• 7:25
  they
• 7:25
  do.
• 7:26
  That's
• 7:26
  what
• 7:26
  they
• 7:27
  intentionally
• 7:27
  do.
• 7:28
  And
• 7:28
  when
• 7:29
  you
• 7:29
  have
• 7:29
  those
• 7:29
  little
• 7:29
  dips,
• 7:30
  you
• 7:30
  look
• 7:30
  at
• 7:30
  your
• 7:30
  statement
• 7:30
  like,
• 7:31
  ralph,
• 7:31
  I
• 7:31
  just
• 7:31
  lost
• 7:31
  $2,000
• 7:32
  yesterday.
• 7:33
  And
• 7:34
  then
• 7:34
  you
• 7:34
  start
• 7:34
  to
• 7:34
  think,
• 7:34
  well,
• 7:34
  I
• 7:34
  better
• 7:35
  move
• 7:35
  something.
• 7:36
  Maybe
• 7:37
  you're
• 7:37
  sitting
• 7:37
  there
• 7:37
  right
• 7:37
  now
• 7:37
  and
• 7:38
  you
• 7:38
  do
• 7:38
  this.
• 7:38
  Maybe
• 7:38
  you
• 7:38
  know
• 7:39
  somebody
• 7:39
  who
• 7:39
  does
• 7:39
  this.
• 7:40
  They
• 7:41
  drive
• 7:41
  themselves
• 7:41
  crazy,
• 7:42
  don't
• 7:42
  they?
• 7:43
  They're
• 7:43
  constantly
• 7:43
  living
• 7:44
  in
• 7:44
  this
• 7:44
  anxiety,
• 7:44
  oh,
• 7:45
  I
• 7:45
  better
• 7:45
  change,
• 7:45
  I
• 7:45
  better
• 7:46
  do
• 7:46
  this.
• 7:47
  Now,
• 7:47
  on
• 7:47
  the
• 7:48
  other
• 7:48
  extreme,
• 7:48
  I've
• 7:48
  got
• 7:49
  some
• 7:49
  clients,
• 7:49
  what
• 7:49
  the
• 7:50
  statistics
• 7:50
  say
• 7:50
  17%
• 7:51
  don't
• 7:51
  check
• 7:52
  at
• 7:52
  all.
• 7:53
  Then
• 7:53
  I've
• 7:53
  got
• 7:53
  some
• 7:54
  clients
• 7:54
  that
• 7:54
  check
• 7:54
  them
• 7:54
  annually.
• 7:56
  The
• 7:56
  problem
• 7:56
  with
• 7:56
  doing
• 7:56
  that,
• 7:57
  I
• 7:57
  think
• 7:57
  that
• 7:57
  you
• 7:58
  overlook
• 7:58
  adjustments
• 7:59
  that
• 7:59
  really
• 7:59
  do
• 7:59
  need
• 7:59
  to
• 8:00
  happen.
• 8:00
  There
• 8:00
  are
• 8:00
  things
• 8:00
  that
• 8:01
  happen
• 8:01
  Let
• 8:01
  me
• 8:01
  just
• 8:01
  tell
• 8:01
  you
• 8:02
  right
• 8:02
  now,
• 8:02
  take
• 8:02
  a
• 8:02
  little
• 8:02
  aside
• 8:03
  here
• 8:03
  for
• 8:03
  a
• 8:03
  second.
• 8:04
  There
• 8:04
  are
• 8:04
  things
• 8:05
  in
• 8:05
  the
• 8:05
  headlines
• 8:06
  that
• 8:06
  do
• 8:06
  make
• 8:07
  an
• 8:07
  impact
• 8:07
  on
• 8:08
  your
• 8:08
  investments.
• 8:09
  Those
• 8:10
  are
• 8:10
  times
• 8:10
  to
• 8:10
  make
• 8:11
  those
• 8:11
  adjustments.
• 8:12
  They're
• 8:12
  not
• 8:12
  daily,
• 8:13
  they're
• 8:13
  not
• 8:13
  monthly.
• 8:14
  But
• 8:14
  annually
• 8:15
  is
• 8:15
  probably
• 8:15
  not
• 8:16
  enough.
• 8:16
  There
• 8:16
  are
• 8:16
  times
• 8:17
  to
• 8:17
  rebalance
• 8:17
  your
• 8:17
  portfolio.
• 8:19
  And
• 8:19
  that's
• 8:19
  why
• 8:19
  I
• 8:19
  want
• 8:19
  to
• 8:20
  talk
• 8:20
  to
• 8:20
  you
• 8:20
  about
• 8:20
  a
• 8:20
  rhythm.
• 8:21
  And
• 8:21
  I
• 8:21
  believe
• 8:21
  the
• 8:22
  best
• 8:22
  rhythm
• 8:22
  for
• 8:22
  most
• 8:23
  people,
• 8:23
  that
• 8:23
  depends
• 8:24
  on
• 8:24
  how,
• 8:24
  how
• 8:24
  much
• 8:24
  you
• 8:24
  invest
• 8:25
  and
• 8:25
  what
• 8:25
  you're
• 8:25
  investing
• 8:26
  in.
• 8:26
  But
• 8:26
  the
• 8:27
  best
• 8:27
  rhythm,
• 8:27
  I
• 8:28
  think,
• 8:28
  is
• 8:28
  a
• 8:28
  quarterly
• 8:29
  review,
• 8:30
  quarterly,
• 8:30
  four
• 8:31
  times
• 8:31
  a
• 8:31
  year.
• 8:32
  When
• 8:32
  you
• 8:32
  do
• 8:32
  that,
• 8:32
  it
• 8:33
  brings
• 8:33
  awareness
• 8:34
  and
• 8:34
  it
• 8:34
  brings
• 8:34
  that
• 8:35
  peace
• 8:35
  of
• 8:35
  mind
• 8:36
  because
• 8:36
  it
• 8:36
  builds
• 8:37
  that
• 8:37
  awareness
• 8:37
  and
• 8:38
  it
• 8:38
  builds
• 8:38
  that
• 8:38
  peace.
• 8:38
  You're
• 8:38
  not
• 8:39
  constantly
• 8:39
  wondering
• 8:39
  what
• 8:40
  happened
• 8:40
  yesterday,
• 8:40
  what
• 8:41
  happened
• 8:41
  the
• 8:41
  day
• 8:41
  before,
• 8:41
  what
• 8:42
  happened
• 8:42
  last
• 8:42
  week.
• 8:44
  And
• 8:44
  as
• 8:44
  part
• 8:45
  of
• 8:45
  that,
• 8:45
  you
• 8:45
  want
• 8:45
  to
• 8:45
  keep
• 8:45
  your
• 8:46
  goals
• 8:46
  front
• 8:46
  and
• 8:46
  center.
• 8:46
  Listen,
• 8:47
  before
• 8:47
  you
• 8:47
  do
• 8:47
  any
• 8:47
  investing,
• 8:48
  and
• 8:48
  I've
• 8:48
  talked
• 8:48
  about
• 8:48
  this
• 8:49
  in
• 8:49
  a
• 8:49
  series,
• 8:50
  understand
• 8:50
  what
• 8:51
  your
• 8:51
  goals
• 8:51
  are.
• 8:52
  Because
• 8:52
  if
• 8:53
  not,
• 8:53
  you're
• 8:53
  going
• 8:53
  to
• 8:53
  constantly
• 8:53
  be
• 8:54
  reactionary.
• 8:54
  You're
• 8:54
  going
• 8:54
  to
• 8:54
  be
• 8:54
  watching
• 8:55
  the
• 8:55
  headlines
• 8:55
  and
• 8:55
  go,
• 8:55
  I
• 8:55
  can't
• 8:55
  believe
• 8:56
  this
• 8:56
  just
• 8:56
  happened.
• 8:56
  How
• 8:56
  does
• 8:57
  this
• 8:57
  affect
• 8:57
  my
• 8:57
  investment
• 8:58
  portfolio?
• 8:59
  Well,
• 8:59
  know
• 9:00
  your
• 9:00
  goals.
• 9:01
  A
• 9:01
  lot
• 9:01
  of
• 9:01
  people
• 9:01
  go
• 9:02
  into
• 9:02
  investment,
• 9:02
  they
• 9:02
  have
• 9:02
  no
• 9:02
  idea
• 9:03
  what
• 9:03
  their
• 9:03
  goals
• 9:03
  are.
• 9:04
  So
• 9:04
  measure
• 9:05
  those
• 9:05
  goals
• 9:05
  and
• 9:06
  stop
• 9:06
  reacting
• 9:06
  because,
• 9:07
  listen,
• 9:07
  God
• 9:07
  calls
• 9:07
  us
• 9:08
  to
• 9:08
  peace.
• 9:09
  A
• 9:10
  lot
• 9:10
  of
• 9:10
  people
• 9:10
  don't
• 9:10
  want
• 9:10
  to
• 9:10
  talk
• 9:10
  about
• 9:11
  this.
• 9:11
  Why
• 9:11
  do
• 9:11
  this?
• 9:11
  Show
• 9:12
  faith
• 9:13
  in
• 9:13
  finance.
• 9:14
  It'd
• 9:14
  be
• 9:14
  real
• 9:14
  easy
• 9:15
  to
• 9:15
  live
• 9:15
  in
• 9:15
  the
• 9:15
  finance
• 9:16
  world.
• 9:16
  Oh,
• 9:17
  Ralph,
• 9:17
  my
• 9:17
  portfolio
• 9:18
  is
• 9:18
  soaring.
• 9:20
  But
• 9:20
  God
• 9:20
  doesn't
• 9:20
  want
• 9:21
  you
• 9:21
  to
• 9:21
  constantly
• 9:21
  be
• 9:21
  in
• 9:22
  that
• 9:22
  feeling
• 9:22
  of
• 9:23
  anxiety.
• 9:24
  Trust
• 9:25
  his
• 9:25
  steady
• 9:25
  hand.
• 9:27
  Live
• 9:27
  in
• 9:27
  peace.
• 9:28
  Not
• 9:28
  anxiety,
• 9:28
  but
• 9:28
  trust.
• 9:29
  He
• 9:29
  is
• 9:29
  always
• 9:29
  steady.
• 9:30
  Which
• 9:30
  leads
• 9:30
  me
• 9:30
  to
• 9:30
  our
• 9:31
  Bible
• 9:31
  verse
• 9:31
  today.
• 9:31
  And
• 9:32
  this
• 9:32
  is
• 9:32
  probably
• 9:33
  one
• 9:33
  of
• 9:33
  my
• 9:33
  favorite
• 9:33
  verses
• 9:34
  from
• 9:34
  the
• 9:34
  Bible,
• 9:35
  and
• 9:35
  it's
• 9:36
  Paul
• 9:36
  in
• 9:36
  the
• 9:36
  book
• 9:36
  of
• 9:36
  Philippians,
• 9:37
  chapter
• 9:37
  four,
• 9:38
  verses
• 9:38
  six
• 9:38
  to
• 9:38
  seven.
• 9:39
  I'm
• 9:39
  sure
• 9:39
  you've
• 9:39
  heard
• 9:39
  it
• 9:39
  a
• 9:39
  million
• 9:40
  times,
• 9:40
  but
• 9:40
  I
• 9:40
  want
• 9:40
  you
• 9:41
  to
• 9:41
  really
• 9:41
  think
• 9:42
  and
• 9:42
  ponder
• 9:43
  on
• 9:43
  this
• 9:43
  one.
• 9:43
  Meditate
• 9:44
  on
• 9:44
  this
• 9:44
  one
• 9:44
  again.
• 9:44
  Philippians
• 9:45
  4,
• 9:46
  verses
• 9:47
  6
• 9:47
  and
• 9:47
  7.
• 9:48
  Do
• 9:49
  not
• 9:49
  be
• 9:49
  anxious
• 9:49
  about
• 9:50
  anything,
• 9:50
  but
• 9:51
  in
• 9:51
  every
• 9:51
  situation.
• 9:52
  By
• 9:52
  prayer
• 9:52
  and
• 9:53
  petition,
• 9:53
  with
• 9:53
  thanksgiving,
• 9:54
  present
• 9:55
  your
• 9:55
  request
• 9:55
  to
• 9:55
  God.
• 9:56
  And
• 9:56
  the
• 9:57
  peace
• 9:57
  of
• 9:57
  God,
• 9:57
  which
• 9:57
  transcends
• 9:58
  all
• 9:58
  understanding,
• 9:59
  will
• 10:00
  guard
• 10:00
  your
• 10:00
  hearts
• 10:01
  and
• 10:01
  your
• 10:01
  minds
• 10:02
  in
• 10:02
  Christ
• 10:02
  Jesus.
• 10:04
  Just
• 10:04
  pause
• 10:04
  for
• 10:04
  a
• 10:04
  second.
• 10:04
  Doesn't
• 10:05
  that
• 10:05
  make
• 10:05
  you
• 10:05
  feel
• 10:05
  good?
• 10:06
  Don't
• 10:06
  be
• 10:06
  anxious
• 10:07
  about
• 10:07
  anything,
• 10:08
  but
• 10:09
  in
• 10:09
  every
• 10:10
  situation.
• 10:10
  What
• 10:10
  does
• 10:11
  the
• 10:11
  Lord
• 10:11
  telling
• 10:11
  us?
• 10:11
  Every
• 10:12
  single
• 10:12
  situation.
• 10:13
  And
• 10:13
  what's
• 10:13
  he
• 10:13
  calling
• 10:14
  us
• 10:14
  to
• 10:14
  do
• 10:14
  by
• 10:14
  prayer
• 10:15
  petition,
• 10:15
  ask
• 10:16
  him,
• 10:16
  Listen,
• 10:16
  God
• 10:17
  wants
• 10:17
  to
• 10:17
  help
• 10:17
  you.
• 10:18
  God
• 10:18
  wants
• 10:18
  you
• 10:18
  to
• 10:19
  live
• 10:19
  in
• 10:19
  peace.
• 10:19
  God
• 10:20
  wants
• 10:20
  you
• 10:20
  to
• 10:20
  not
• 10:20
  live
• 10:21
  in
• 10:21
  anxiety
• 10:22
  and
• 10:22
  be
• 10:23
  thankful
• 10:23
  for
• 10:23
  what
• 10:23
  he's
• 10:23
  given
• 10:24
  you.
• 10:24
  Present
• 10:24
  your
• 10:24
  request
• 10:25
  to
• 10:25
  God
• 10:25
  and
• 10:26
  the
• 10:26
  peace
• 10:26
  of
• 10:26
  God.
• 10:27
  Think
• 10:27
  about
• 10:27
  peace,
• 10:28
  right?
• 10:28
  What's
• 10:28
  the
• 10:29
  biggest
• 10:29
  peace
• 10:29
  you
• 10:29
  can
• 10:30
  find?
• 10:30
  Is
• 10:30
  there
• 10:30
  any
• 10:30
  bigger
• 10:31
  peace
• 10:31
  than
• 10:31
  being
• 10:31
  at
• 10:32
  peace
• 10:32
  with
• 10:32
  God?
• 10:33
  What
• 10:33
  does
• 10:34
  it
• 10:34
  say
• 10:34
  in
• 10:34
  the
• 10:34
  scripture
• 10:34
  Transcends
• 10:35
  all
• 10:35
  understanding.
• 10:36
  And
• 10:36
  what's
• 10:37
  he
• 10:37
  going
• 10:37
  to
• 10:37
  do?
• 10:37
  He's
• 10:37
  going
• 10:37
  to
• 10:37
  guard
• 10:38
  our
• 10:38
  hearts
• 10:38
  and
• 10:38
  our
• 10:38
  minds.
• 10:40
  And
• 10:40
  I
• 10:41
  just
• 10:41
  want
• 10:41
  to
• 10:41
  capitalize
• 10:41
  on
• 10:41
  a
• 10:42
  couple
• 10:42
  things.
• 10:42
  Guard
• 10:42
  your
• 10:43
  heart,
• 10:44
  Anything,
• 10:45
  everything.
• 10:45
  Prayer.
• 10:46
  These
• 10:46
  are
• 10:46
  all
• 10:46
  keys
• 10:46
  to
• 10:47
  this.
• 10:47
  And
• 10:48
  they're
• 10:48
  the
• 10:48
  real
• 10:49
  reason
• 10:49
  that
• 10:49
  we
• 10:49
  got
• 10:49
  to
• 10:50
  stay
• 10:50
  focused.
• 10:50
  Now,
• 10:50
  listen,
• 10:50
  I
• 10:51
  got
• 10:51
  a
• 10:51
  bonus
• 10:51
  scripture
• 10:51
  for
• 10:52
  you.
• 10:52
  Yes,
• 10:52
  it's
• 10:53
  bonus
• 10:53
  day.
• 10:53
  So
• 10:54
  here's
• 10:54
  this
• 10:54
  one's
• 10:54
  from
• 10:55
  Proverbs,
• 10:55
  chapter
• 10:56
  17,
• 10:56
  verse
• 10:56
  27.
• 10:58
  And
• 10:58
  I
• 10:58
  thought
• 10:58
  this
• 10:58
  was
• 10:58
  important
• 10:59
  because
• 10:59
  we've
• 10:59
  talked
• 11:00
  a
• 11:00
  lot
• 11:00
  about
• 11:00
  knowledge.
• 11:01
  And
• 11:01
  this
• 11:01
  is
• 11:01
  the
• 11:01
  Bible
• 11:02
  verse
• 11:02
  again,
• 11:02
  Proverbs
• 11:03
  17:27.
• 11:04
  The
• 11:04
  one
• 11:04
  who
• 11:05
  has
• 11:05
  knowledge
• 11:05
  uses
• 11:06
  words
• 11:06
  with
• 11:06
  restraint.
• 11:07
  And
• 11:08
  whoever
• 11:08
  has
• 11:08
  understanding
• 11:09
  is
• 11:10
  even
• 11:10
  tempered.
• 11:11
  Now,
• 11:11
  as
• 11:11
  I
• 11:11
  was
• 11:12
  preparing
• 11:12
  for
• 11:12
  this
• 11:12
  show,
• 11:12
  I
• 11:13
  started
• 11:13
  thinking,
• 11:13
  would
• 11:14
  most
• 11:14
  people
• 11:14
  think
• 11:14
  that
• 11:15
  I
• 11:15
  am
• 11:15
  one
• 11:15
  that
• 11:16
  has
• 11:16
  restraint?
• 11:16
  Probably
• 11:17
  not.
• 11:18
  And
• 11:18
  think
• 11:18
  about
• 11:18
  how
• 11:19
  that
• 11:19
  works
• 11:19
  with
• 11:19
  the
• 11:19
  market.
• 11:20
  If
• 11:21
  you're
• 11:21
  one
• 11:21
  of
• 11:21
  the
• 11:21
  people
• 11:21
  like
• 11:21
  most
• 11:22
  people,
• 11:22
  like
• 11:22
  me,
• 11:23
  you
• 11:23
  see
• 11:23
  something
• 11:24
  going
• 11:24
  on.
• 11:24
  This
• 11:24
  is
• 11:24
  money
• 11:24
  you
• 11:25
  worked
• 11:25
  hard
• 11:25
  for.
• 11:26
  It's
• 11:26
  so
• 11:26
  easy
• 11:27
  to
• 11:27
  not
• 11:27
  be
• 11:28
  even
• 11:28
  tempered.
• 11:29
  But
• 11:30
  what's
• 11:30
  the
• 11:30
  scripture
• 11:30
  calling
• 11:31
  us?
• 11:31
  Use
• 11:32
  restraint,
• 11:33
  understand.
• 11:34
  Use
• 11:34
  knowledge.
• 11:35
  Build
• 11:35
  that
• 11:36
  understanding.
• 11:37
  How
• 11:37
  about
• 11:37
  we
• 11:37
  pray
• 11:38
  together
• 11:38
  right
• 11:38
  now?
• 11:39
  Lord,
• 11:40
  we
• 11:40
  come
• 11:40
  to
• 11:40
  you
• 11:40
  today,
• 11:41
  and
• 11:41
  we
• 11:42
  know
• 11:42
  that
• 11:42
  it's
• 11:42
  easy
• 11:43
  to
• 11:43
  react,
• 11:43
  Lord.
• 11:43
  It's
• 11:44
  easy
• 11:44
  to
• 11:44
  be
• 11:44
  overreactionary.
• 11:46
  So
• 11:46
  we
• 11:46
  just
• 11:47
  pray
• 11:47
  right
• 11:47
  now
• 11:47
  that
• 11:47
  you
• 11:47
  would
• 11:47
  help
• 11:48
  us
• 11:48
  to
• 11:48
  find
• 11:48
  peace
• 11:49
  when
• 11:49
  this
• 11:49
  financial
• 11:50
  anxiety
• 11:50
  arises.
• 11:51
  Because,
• 11:51
  Lord,
• 11:51
  we're
• 11:51
  human
• 11:52
  beings.
• 11:52
  We're
• 11:52
  flesh.
• 11:54
  We
• 11:54
  know
• 11:54
  we're
• 11:54
  going
• 11:55
  to
• 11:55
  find
• 11:55
  these
• 11:55
  times
• 11:56
  of
• 11:56
  anxiety.
• 11:57
  And
• 11:57
  Lord,
• 11:58
  as
• 11:58
  we
• 11:58
  think
• 11:58
  about
• 11:58
  that,
• 11:58
  help
• 11:59
  us
• 11:59
  to
• 11:59
  build
• 11:59
  these
• 12:00
  rhythms
• 12:00
  like
• 12:00
  we
• 12:01
  talked
• 12:01
  about
• 12:01
  today
• 12:01
  on
• 12:02
  the
• 12:02
  show,
• 12:02
  to
• 12:02
  really
• 12:03
  balance
• 12:03
  and
• 12:03
  to
• 12:03
  understand
• 12:04
  and
• 12:04
  be
• 12:04
  consistent
• 12:04
  as
• 12:05
  we
• 12:05
  talked
• 12:05
  about
• 12:05
  all
• 12:05
  throughout
• 12:06
  this
• 12:06
  series.
• 12:07
  And,
• 12:07
  Lord,
• 12:08
  we
• 12:08
  just
• 12:08
  thank
• 12:08
  you
• 12:08
  for
• 12:09
  your
• 12:09
  faithfulness
• 12:10
  that
• 12:10
  transcends
• 12:11
  even
• 12:11
  these
• 12:12
  market
• 12:12
  swings.
• 12:12
  You
• 12:13
  said
• 12:13
  your
• 12:13
  belief
• 12:14
  transcends
• 12:15
  all
• 12:15
  understanding,
• 12:15
  Lord.
• 12:16
  Help
• 12:16
  us
• 12:16
  to
• 12:16
  be
• 12:16
  anchored
• 12:17
  in
• 12:17
  that.
• 12:17
  Help
• 12:18
  us
• 12:18
  to
• 12:18
  live
• 12:18
  that
• 12:18
  in
• 12:19
  our
• 12:19
  lives
• 12:19
  every
• 12:19
  day.
• 12:19
  We
• 12:20
  ask
• 12:20
  this
• 12:20
  in
• 12:20
  pure
• 12:20
  confidence
• 12:21
  in
• 12:21
  the
• 12:21
  name
• 12:21
  of
• 12:22
  Jesus.
• 12:23
  Amen.
• 12:24
  All
• 12:24
  right,
• 12:24
  are
• 12:24
  you
• 12:24
  ready
• 12:25
  for
• 12:25
  your
• 12:25
  action
• 12:25
  item
• 12:25
  today?
• 12:26
  Real
• 12:27
  simple
• 12:27
  action
• 12:27
  item
• 12:27
  today.
• 12:28
  I
• 12:28
  want
• 12:28
  you
• 12:28
  to
• 12:28
  get
• 12:28
  your
• 12:28
  calendar
• 12:29
  out.
• 12:29
  Now,
• 12:29
  maybe
• 12:30
  you
• 12:30
  have
• 12:30
  a
• 12:30
  paper
• 12:30
  calendar
• 12:31
  like
• 12:31
  my
• 12:31
  wife,
• 12:31
  or
• 12:32
  you've
• 12:32
  got
• 12:32
  the
• 12:32
  electronic
• 12:33
  version.
• 12:33
  Here's
• 12:33
  what
• 12:33
  I
• 12:33
  want
• 12:33
  you
• 12:33
  to
• 12:34
  do.
• 12:34
  I
• 12:34
  want
• 12:34
  you
• 12:35
  to
• 12:35
  go
• 12:35
  right
• 12:35
  now
• 12:35
  and
• 12:36
  put
• 12:36
  on
• 12:36
  your
• 12:36
  calendar
• 12:37
  every
• 12:37
  quarter
• 12:38
  that
• 12:38
  you're
• 12:38
  going
• 12:38
  to
• 12:38
  go
• 12:39
  review
• 12:39
  your
• 12:39
  investment
• 12:40
  portfolio.
• 12:40
  Just
• 12:41
  put
• 12:41
  it
• 12:41
  right
• 12:41
  on
• 12:41
  there.
• 12:41
  Real
• 12:42
  simple.
• 12:42
  Ralph
• 12:43
  said,
• 12:43
  check
• 12:43
  my
• 12:43
  investment
• 12:44
  portfolio
• 12:44
  this
• 12:45
  quarter,
• 12:45
  this
• 12:45
  quarter,
• 12:45
  this
• 12:46
  quarter,
• 12:46
  just
• 12:46
  four
• 12:47
  times
• 12:47
  a
• 12:47
  year.
• 12:48
  And
• 12:48
  stop
• 12:48
  looking
• 12:49
  at
• 12:49
  it
• 12:49
  daily.
• 12:49
  Hey,
• 12:50
  stop
• 12:50
  looking
• 12:50
  at
• 12:50
  it
• 12:50
  hourly.
• 12:51
  Listen,
• 12:51
  with
• 12:51
  our
• 12:51
  phones,
• 12:52
  it's
• 12:52
  easy
• 12:52
  to
• 12:52
  pop
• 12:52
  up.
• 12:53
  The
• 12:53
  investments
• 12:53
  go,
• 12:53
  oh,
• 12:54
  the
• 12:54
  market's
• 12:54
  crashing
• 12:55
  today.
• 12:55
  Stop
• 12:55
  doing
• 12:55
  that.
• 12:56
  Fight
• 12:57
  that
• 12:57
  urge.
• 12:58
  Because
• 12:58
  when
• 12:58
  you
• 12:58
  fight
• 12:58
  that
• 12:59
  urge,
• 12:59
  you're
• 12:59
  going
• 12:59
  to
• 13:00
  move
• 13:00
  beyond
• 13:00
  fear
• 13:00
  and
• 13:01
  you're
• 13:01
  going
• 13:01
  to
• 13:01
  move
• 13:02
  beyond
• 13:02
  reaction.
• 13:04
  Because
• 13:04
  here's
• 13:04
  the
• 13:04
  thing.
• 13:05
  I
• 13:05
  said
• 13:05
  this
• 13:05
  a
• 13:05
  few
• 13:05
  minutes
• 13:06
  ago.
• 13:06
  Check
• 13:06
  in
• 13:07
  daily.
• 13:07
  That
• 13:07
  daily
• 13:08
  in
• 13:08
  and
• 13:08
  out
• 13:09
  is
• 13:09
  just
• 13:09
  going
• 13:09
  to
• 13:09
  build
• 13:09
  anxiety.
• 13:10
  And
• 13:11
  like
• 13:11
  I
• 13:11
  said,
• 13:11
  also,
• 13:12
  if
• 13:12
  you
• 13:12
  don't
• 13:12
  check
• 13:12
  it
• 13:12
  quarterly,
• 13:13
  annually,
• 13:13
  it
• 13:14
  might
• 13:14
  be
• 13:14
  too
• 13:14
  infrequent.
• 13:14
  But
• 13:14
  don't
• 13:15
  be
• 13:15
  one
• 13:15
  of
• 13:15
  the
• 13:15
  17%
• 13:16
  that
• 13:16
  never
• 13:16
  looks
• 13:16
  at
• 13:16
  it.
• 13:16
  You
• 13:17
  got
• 13:17
  to
• 13:17
  look
• 13:17
  at
• 13:17
  these
• 13:17
  things.
• 13:18
  And
• 13:18
  that's
• 13:18
  why
• 13:18
  I'm
• 13:19
  saying
• 13:19
  that
• 13:19
  quarterly,
• 13:19
  to
• 13:19
  me,
• 13:20
  is
• 13:20
  a
• 13:20
  healthy
• 13:21
  rhythm
• 13:21
  and
• 13:21
  focus
• 13:22
  on
• 13:22
  your
• 13:22
  goals.
• 13:23
  One
• 13:23
  of
• 13:23
  the
• 13:24
  reasons
• 13:24
  I
• 13:24
  really
• 13:24
  hit
• 13:24
  that
• 13:24
  today.
• 13:25
  Don't
• 13:25
  worry
• 13:25
  about
• 13:25
  those
• 13:25
  headlines.
• 13:26
  Those
• 13:26
  headlines
• 13:27
  are
• 13:27
  just
• 13:27
  to
• 13:27
  get
• 13:27
  a
• 13:27
  reaction.
• 13:28
  They're
• 13:28
  to
• 13:29
  sell
• 13:29
  clicks.
• 13:29
  It's
• 13:30
  like
• 13:30
  they
• 13:30
  call,
• 13:30
  you
• 13:30
  know,
• 13:30
  clickbait.
• 13:31
  That's
• 13:31
  what
• 13:31
  they're
• 13:32
  trying
• 13:32
  to
• 13:32
  do.
• 13:32
  They're
• 13:32
  trying
• 13:32
  to
• 13:32
  get
• 13:32
  you
• 13:32
  to
• 13:33
  react
• 13:33
  and
• 13:33
  freak
• 13:34
  out,
• 13:34
  because
• 13:35
  most
• 13:35
  of
• 13:35
  the
• 13:35
  time.
• 13:35
  Here's
• 13:36
  another
• 13:36
  little
• 13:36
  secret.
• 13:37
  Those
• 13:37
  headlines
• 13:37
  probably
• 13:38
  don't
• 13:38
  even
• 13:38
  affect
• 13:38
  your
• 13:38
  portfolio
• 13:39
  because
• 13:39
  you're
• 13:39
  probably
• 13:39
  not
• 13:39
  even
• 13:40
  invested
• 13:40
  in
• 13:40
  those
• 13:40
  things.
• 13:41
  And
• 13:42
  remember
• 13:42
  this.
• 13:42
  Where
• 13:42
  do
• 13:43
  you
• 13:43
  anchor
• 13:43
  your
• 13:43
  heart?
• 13:44
  Anchor
• 13:44
  your
• 13:44
  heart
• 13:45
  in
• 13:45
  God's
• 13:45
  peace.
• 13:47
  And
• 13:47
  when
• 13:47
  the
• 13:47
  market
• 13:47
  feels
• 13:48
  like
• 13:48
  it's
• 13:48
  burning
• 13:48
  down
• 13:49
  all
• 13:49
  around
• 13:49
  you,
• 13:49
  remember
• 13:50
  this.
• 13:51
  There's
• 13:51
  one
• 13:51
  person
• 13:51
  you
• 13:52
  can
• 13:52
  trust,
• 13:53
  and
• 13:53
  that's
• 13:53
  Jesus
• 13:54
  Christ.
• 13:55
  Now
• 13:55
  make
• 13:55
  sure
• 13:56
  you
• 13:56
  join
• 13:56
  me
• 13:56
  tomorrow.
• 13:56
  Tomorrow
• 13:57
  we're
• 13:57
  going
• 13:57
  to
• 13:57
  talk
• 13:57
  about
• 13:57
  moving
• 13:58
  beyond
• 13:58
  the
• 13:58
  piggy
• 13:58
  bank.
• 13:59
  I'm
• 13:59
  going
• 13:59
  to
• 13:59
  share
• 13:59
  a
• 13:59
  funny
• 14:00
  story
• 14:00
  with
• 14:00
  you.
• 14:00
  When
• 14:01
  I
• 14:01
  was
• 14:01
  a
• 14:01
  kid,
• 14:01
  I
• 14:01
  got
• 14:01
  one
• 14:01
  of
• 14:02
  those
• 14:02
  nice
• 14:02
  ceramic
• 14:03
  piggy
• 14:03
  banks.
• 14:03
  Well,
• 14:04
  it
• 14:04
  didn't
• 14:04
  last
• 14:04
  long
• 14:05
  because
• 14:05
  I
• 14:05
  wanted
• 14:06
  to
• 14:06
  go
• 14:06
  to
• 14:06
  the
• 14:06
  arcade.
• 14:07
  So
• 14:07
  tomorrow
• 14:07
  we're
• 14:07
  going
• 14:07
  to
• 14:07
  talk
• 14:07
  about
• 14:08
  investing
• 14:08
  for
• 14:09
  your
• 14:09
  children's
• 14:09
  future
• 14:10
  beyond
• 14:10
  the
• 14:10
  piggy
• 14:11
  bank.
• 14:11
  Now,
• 14:12
  here's
• 14:12
  one
• 14:12
  of
• 14:12
  the
• 14:12
  things
• 14:12
  I
• 14:12
  want
• 14:12
  to
• 14:12
  invest
• 14:13
  in
• 14:13
  you.
• 14:14
  I
• 14:14
  just
• 14:14
  finished
• 14:14
  writing
• 14:15
  my
• 14:15
  third
• 14:15
  book.
• 14:15
  It's
• 14:16
  called
• 14:16
  how
• 14:16
  to
• 14:16
  Become
• 14:16
  a
• 14:16
  Financially
• 14:17
  Confident
• 14:17
  Christian.
• 14:18
  It
• 14:18
  is
• 14:19
  30
• 14:19
  years
• 14:19
  of
• 14:20
  working
• 14:20
  with
• 14:20
  people
• 14:20
  just
• 14:20
  like
• 14:21
  you,
• 14:21
  people
• 14:21
  who
• 14:21
  are
• 14:22
  struggling,
• 14:22
  people
• 14:22
  who
• 14:23
  are
• 14:23
  looking
• 14:23
  for
• 14:23
  direction
• 14:24
  or
• 14:24
  looking
• 14:24
  for
• 14:24
  that
• 14:24
  wisdom.
• 14:25
  And
• 14:25
  I
• 14:26
  want
• 14:26
  to
• 14:26
  give
• 14:26
  you
• 14:26
  a
• 14:26
  copy
• 14:26
  of
• 14:27
  it
• 14:27
  absolutely
• 14:27
  free.
• 14:27
  All
• 14:27
  you've
• 14:28
  got
• 14:28
  to
• 14:28
  do
• 14:28
  is
• 14:28
  go
• 14:28
  to
• 14:28
  this
• 14:28
  website.
• 14:29
  It's
• 14:30
  financiallyconfidentchristian.com
• 14:32
  becoming
• 14:33
  again
• 14:33
  that's
• 14:33
  the
• 14:34
  name
• 14:34
  of
• 14:34
  the
• 14:34
  book,
• 14:34
  how
• 14:34
  to
• 14:34
  become
• 14:34
  a
• 14:34
  Financially
• 14:35
  confident
• 14:35
  Christian
• 14:35
  and
• 14:36
  you
• 14:36
  can
• 14:36
  get
• 14:36
  it
• 14:36
  absolutely
• 14:36
  free.
• 14:37
  Go
• 14:37
  to
• 14:37
  financiallyconfidentchristian.com/becoming
• 14:41
  and
• 14:41
  here's
• 14:42
  something
• 14:42
  else
• 14:42
  I
• 14:42
  want
• 14:42
  you
• 14:42
  to
• 14:43
  do.
• 14:43
  Give
• 14:43
  that
• 14:44
  link
• 14:44
  to
• 14:44
  as
• 14:45
  many
• 14:45
  people
• 14:45
  as
• 14:45
  you
• 14:45
  can.
• 14:46
  I
• 14:46
  want
• 14:46
  to
• 14:46
  give
• 14:46
  away
• 14:46
  as
• 14:47
  many
• 14:47
  books
• 14:47
  as
• 14:47
  I
• 14:47
  can
• 14:47
  this
• 14:48
  month,
• 14:48
  so
• 14:49
  send
• 14:49
  them
• 14:49
  the
• 14:49
  link.
• 14:49
  Financiallyconfidentchristian.com/Becoming
• 14:52
  say,
• 14:52
  hey,
• 14:52
  you
• 14:53
  want
• 14:53
  to
• 14:53
  get
• 14:53
  a
• 14:53
  free
• 14:53
  book?
• 14:53
  I
• 14:54
  know
• 14:54
  this
• 14:54
  guy
• 14:54
  Ralph.
• 14:54
  He's
• 14:55
  a
• 14:55
  little
• 14:55
  crazy,
• 14:55
  but
• 14:56
  he'll
• 14:56
  give
• 14:56
  you
• 14:56
  a
• 14:56
  copy
• 14:56
  of
• 14:57
  his
• 14:57
  book
• 14:57
  and
• 14:57
  encourage
• 14:58
  them
• 14:58
  to
• 14:58
  read
• 14:58
  it.
• 14:59
  And
• 14:59
  as
• 14:59
  I
• 15:00
  close
• 15:00
  today,
• 15:00
  I
• 15:00
  just
• 15:00
  want
• 15:00
  you
• 15:00
  to
• 15:01
  remember
• 15:01
  this.
• 15:02
  Even
• 15:02
  when
• 15:02
  the
• 15:03
  market
• 15:03
  is
• 15:03
  up
• 15:03
  and
• 15:04
  down
• 15:04
  bouncing
• 15:05
  all
• 15:05
  around
• 15:05
  you,
• 15:05
  remember
• 15:06
  this.
• 15:06
  God
• 15:06
  is
• 15:06
  in
• 15:06
  control
• 15:08
  and
• 15:08
  you
• 15:08
  can
• 15:08
  live
• 15:09
  in
• 15:09
  peace
• 15:09
  when
• 15:10
  you
• 15:10
  trust
• 15:10
  him.
• 15:11
  You
• 15:11
  don't
• 15:11
  need
• 15:12
  the
• 15:12
  headlines
• 15:12
  to
• 15:12
  guide
• 15:13
  your
• 15:13
  heart.
• 15:13
  Let
• 15:13
  God
• 15:14
  do
• 15:14
  that,
• 15:14
  because
• 15:15
  God's
• 15:15
  timing
• 15:16
  is
• 15:16
  better
• 15:16
  than
• 15:16
  any
• 15:17
  worry.
• 15:17
  So
• 15:18
  I
• 15:18
  want
• 15:18
  to
• 15:18
  encourage
• 15:18
  you
• 15:18
  today,
• 15:19
  go
• 15:19
  be
• 15:19
  that
• 15:19
  financially
• 15:20
  confident
• 15:20
  Christian
• 15:21
  that
• 15:21
  I
• 15:21
  know
• 15:21
  you
• 15:21
  can
• 15:21
  be.
• 15:21
  I
• 15:22
  have
• 15:22
  confidence
• 15:22
  in
• 15:22
  you.
• 15:23
  Have
• 15:23
  confidence
• 15:23
  in
• 15:24
  yourself.
• 15:24
  Stay
• 15:24
  financially
• 15:25
  savvy.
• 15:26
  God
• 15:26
  bless
• 15:26
  you
• 15:27
  and
• 15:27
  you
• 15:27
  have
• 15:27
  a
• 15:27
  great
• 15:27
  day.