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How Do I Save Money at the Grocery Store? · Becoming Financially Confident

• 0:37
  You're
• 0:37
  at
• 0:37
  the
• 0:38
  grocery
• 0:38
  store
• 0:39
  and
• 0:39
  that
• 0:39
  total
• 0:40
  pops
• 0:40
  up
• 0:40
  and
• 0:40
  your
• 0:41
  stomach
• 0:41
  just
• 0:42
  drops.
• 0:43
  You're
• 0:43
  trying
• 0:43
  to
• 0:43
  feed
• 0:44
  your
• 0:44
  family
• 0:44
  and
• 0:44
  stay
• 0:45
  within
• 0:45
  your
• 0:45
  budget,
• 0:46
  but
• 0:46
  groceries
• 0:47
  keep
• 0:47
  blowing
• 0:48
  it
• 0:48
  up,
• 0:48
  don't
• 0:48
  they?
• 0:49
  On
• 0:50
  today's
• 0:50
  show,
• 0:50
  I
• 0:50
  want
• 0:50
  to
• 0:50
  talk
• 0:50
  about
• 0:51
  what
• 0:51
  you
• 0:51
  can
• 0:51
  do
• 0:51
  next
• 0:51
  without
• 0:52
  shame
• 0:53
  and
• 0:53
  without
• 0:53
  starving
• 0:54
  your
• 0:54
  peace.
• 1:16
  Hey,
• 1:16
  friend.
• 1:17
  Ralph
• 1:17
  Estep
• 1:18
  Jr.
• 1:18
  I
• 1:18
  want
• 1:18
  to
• 1:18
  thank
• 1:18
  you
• 1:19
  so
• 1:19
  much
• 1:19
  for
• 1:19
  joining
• 1:19
  me
• 1:20
  on
• 1:20
  today's
• 1:20
  show.
• 1:21
  This
• 1:21
  is
• 1:21
  financially
• 1:22
  Confident
• 1:22
  Christian,
• 1:23
  where
• 1:23
  every
• 1:23
  day
• 1:24
  my
• 1:24
  goal
• 1:24
  is
• 1:24
  to
• 1:24
  help
• 1:25
  you
• 1:25
  break
• 1:25
  that
• 1:25
  cycle
• 1:26
  of
• 1:26
  financial
• 1:26
  shame
• 1:27
  and
• 1:28
  truly
• 1:28
  live
• 1:28
  in
• 1:29
  confidence.
• 1:29
  And
• 1:30
  today's
• 1:30
  topic
• 1:31
  is
• 1:31
  a
• 1:31
  topic
• 1:31
  that
• 1:31
  I
• 1:32
  think
• 1:32
  we
• 1:32
  all
• 1:32
  can
• 1:32
  profit
• 1:33
  from,
• 1:34
  and
• 1:34
  it's
• 1:34
  how
• 1:34
  to
• 1:34
  lower
• 1:35
  grocery
• 1:35
  spending
• 1:36
  without
• 1:37
  feeling
• 1:37
  guilty
• 1:38
  about
• 1:38
  it.
• 1:38
  This
• 1:38
  is
• 1:38
  one
• 1:38
  of
• 1:38
  the
• 1:39
  big
• 1:39
  things
• 1:39
  that
• 1:39
  affects
• 1:40
  so
• 1:40
  many
• 1:40
  of
• 1:41
  our
• 1:41
  budgets.
• 1:41
  So
• 1:41
  let's
• 1:41
  get
• 1:42
  right
• 1:42
  into
• 1:42
  today's
• 1:43
  listener
• 1:43
  question.
• 1:44
  Ralph,
• 1:45
  grocery
• 1:45
  costs
• 1:46
  are
• 1:46
  crushing
• 1:46
  me
• 1:47
  right
• 1:47
  now.
• 1:47
  I'm
• 1:48
  trying
• 1:48
  to
• 1:48
  feed
• 1:48
  my
• 1:49
  family
• 1:49
  and
• 1:49
  still
• 1:49
  stay
• 1:50
  within
• 1:50
  a
• 1:50
  budget,
• 1:51
  and
• 1:51
  it
• 1:51
  feels
• 1:52
  impossible.
• 1:53
  What
• 1:53
  are
• 1:54
  some
• 1:54
  practical
• 1:54
  ways
• 1:54
  to
• 1:55
  lower
• 1:55
  spending
• 1:56
  on
• 1:56
  food
• 1:57
  without
• 1:57
  shame?
• 1:58
  What
• 1:59
  a
• 1:59
  great
• 1:59
  question,
• 2:00
  great
• 2:00
  way
• 2:00
  to.
• 2:01
  To
• 2:01
  talk
• 2:01
  about
• 2:01
  things
• 2:02
  today.
• 2:02
  And
• 2:02
  I
• 2:03
  mentioned
• 2:03
  this
• 2:03
  the
• 2:03
  other
• 2:03
  day.
• 2:03
  We
• 2:04
  talked
• 2:04
  about
• 2:04
  budgets
• 2:05
  and
• 2:05
  we
• 2:05
  were
• 2:05
  talking
• 2:05
  about
• 2:05
  living
• 2:06
  on
• 2:06
  that
• 2:06
  tight
• 2:06
  budget.
• 2:07
  So
• 2:07
  here's
• 2:08
  the
• 2:08
  big
• 2:08
  thing
• 2:08
  I
• 2:08
  want
• 2:08
  to
• 2:09
  mention
• 2:09
  right
• 2:09
  now.
• 2:09
  You
• 2:10
  don't
• 2:10
  need
• 2:10
  a
• 2:10
  perfect
• 2:11
  budget.
• 2:11
  Maybe
• 2:12
  for
• 2:12
  you,
• 2:12
  you
• 2:12
  just
• 2:12
  need
• 2:13
  a
• 2:13
  simpler
• 2:13
  grocery
• 2:14
  system
• 2:14
  that
• 2:14
  you
• 2:15
  can
• 2:15
  repeat.
• 2:16
  So
• 2:16
  let's
• 2:17
  get
• 2:17
  right
• 2:17
  into
• 2:17
  that
• 2:17
  today.
• 2:19
  My
• 2:19
  big
• 2:19
  number
• 2:20
  one
• 2:20
  thing
• 2:20
  that
• 2:20
  I
• 2:21
  recommend
• 2:21
  that
• 2:21
  you
• 2:21
  do.
• 2:21
  And
• 2:21
  it's
• 2:22
  funny,
• 2:22
  my
• 2:22
  wife
• 2:22
  and
• 2:22
  I
• 2:22
  were
• 2:22
  talking
• 2:23
  about
• 2:23
  this
• 2:23
  yesterday.
• 2:24
  We
• 2:24
  were
• 2:24
  in
• 2:24
  the
• 2:24
  grocery
• 2:24
  store
• 2:25
  and
• 2:25
  I
• 2:25
  said,
• 2:25
  I'm
• 2:25
  going
• 2:25
  to
• 2:25
  do
• 2:25
  a
• 2:26
  show
• 2:26
  this
• 2:26
  week
• 2:26
  about
• 2:26
  groceries.
• 2:27
  And
• 2:28
  she
• 2:28
  goes,
• 2:28
  yeah.
• 2:28
  She
• 2:29
  says,
• 2:29
  ralph,
• 2:29
  everything
• 2:29
  is
• 2:30
  so
• 2:30
  expensive.
• 2:31
  I
• 2:31
  said,
• 2:31
  you're
• 2:32
  right.
• 2:32
  I
• 2:32
  said,
• 2:32
  but
• 2:32
  here's
• 2:32
  the
• 2:33
  first
• 2:33
  thing
• 2:33
  I
• 2:33
  want
• 2:34
  everybody
• 2:34
  to
• 2:34
  do.
• 2:35
  Name
• 2:35
  your
• 2:35
  number
• 2:36
  before
• 2:36
  you
• 2:36
  enter
• 2:37
  the
• 2:37
  store.
• 2:38
  Here's
• 2:39
  exactly
• 2:39
  where
• 2:39
  I'm
• 2:39
  going
• 2:39
  with
• 2:40
  this.
• 2:40
  Pick
• 2:41
  a
• 2:41
  weekly
• 2:42
  grocery
• 2:42
  cap.
• 2:42
  Just
• 2:43
  pick
• 2:43
  one
• 2:43
  clear
• 2:43
  number.
• 2:44
  This
• 2:44
  is
• 2:44
  what
• 2:45
  I
• 2:45
  am
• 2:45
  going
• 2:45
  to
• 2:45
  spend
• 2:46
  on
• 2:46
  groceries.
• 2:47
  And
• 2:47
  know
• 2:47
  that
• 2:47
  number
• 2:48
  before
• 2:48
  you
• 2:49
  go
• 2:49
  in
• 2:49
  the
• 2:49
  store.
• 2:51
  Once
• 2:51
  you
• 2:51
  know
• 2:51
  that,
• 2:52
  then
• 2:52
  you're
• 2:52
  like,
• 2:52
  okay,
• 2:52
  here's
• 2:53
  my
• 2:53
  plan.
• 2:55
  If
• 2:55
  something
• 2:55
  isn't
• 2:56
  planned,
• 2:56
  guess
• 2:56
  what?
• 2:58
  You
• 2:58
  don't
• 2:58
  buy
• 2:58
  it.
• 2:59
  One
• 3:00
  of
• 3:00
  the
• 3:00
  ways
• 3:00
  that
• 3:01
  if
• 3:01
  things
• 3:01
  are
• 3:01
  feeling
• 3:02
  really
• 3:02
  tight,
• 3:03
  one
• 3:03
  things
• 3:03
  you
• 3:03
  can
• 3:03
  do,
• 3:04
  and
• 3:04
  we'll
• 3:04
  talk
• 3:04
  about
• 3:04
  this
• 3:04
  in
• 3:04
  a
• 3:04
  second,
• 3:05
  but
• 3:05
  you
• 3:06
  can
• 3:06
  subtract
• 3:06
  those
• 3:07
  things
• 3:07
  that
• 3:07
  aren't
• 3:08
  planned,
• 3:10
  those
• 3:10
  things
• 3:10
  that
• 3:10
  you
• 3:10
  just
• 3:11
  can't
• 3:11
  afford
• 3:11
  to
• 3:11
  get
• 3:12
  this
• 3:12
  week.
• 3:12
  And
• 3:13
  if
• 3:13
  you're
• 3:13
  living
• 3:13
  right
• 3:13
  now,
• 3:14
  you're
• 3:14
  like,
• 3:14
  ralph,
• 3:14
  grocery
• 3:15
  costs
• 3:15
  are
• 3:15
  getting
• 3:15
  higher
• 3:16
  and
• 3:16
  higher.
• 3:16
  I
• 3:17
  get
• 3:17
  it.
• 3:17
  Trust
• 3:17
  Me,
• 3:17
  I
• 3:18
  understand
• 3:18
  that
• 3:19
  inflation.
• 3:20
  I
• 3:20
  don't
• 3:20
  know
• 3:21
  where
• 3:21
  you
• 3:21
  live.
• 3:21
  I'm
• 3:21
  gonna
• 3:21
  tell
• 3:22
  you
• 3:22
  right
• 3:22
  now,
• 3:22
  in
• 3:22
  the
• 3:22
  United
• 3:22
  States,
• 3:24
  it's
• 3:24
  a
• 3:24
  struggle.
• 3:25
  Groceries
• 3:25
  are
• 3:25
  a
• 3:26
  struggle.
• 3:27
  So
• 3:27
  maybe
• 3:27
  right
• 3:28
  now
• 3:28
  we
• 3:28
  got
• 3:28
  to
• 3:28
  lower
• 3:28
  that
• 3:28
  pressure
• 3:29
  some.
• 3:29
  Just
• 3:29
  the
• 3:30
  short
• 3:30
  term
• 3:30
  plan.
• 3:30
  We're
• 3:31
  not
• 3:31
  going
• 3:31
  to
• 3:31
  blame
• 3:31
  ourselves.
• 3:32
  We're
• 3:32
  going
• 3:32
  to
• 3:32
  say,
• 3:32
  here's
• 3:33
  the
• 3:33
  number
• 3:33
  we
• 3:33
  can
• 3:33
  spend.
• 3:34
  Here's
• 3:35
  the
• 3:35
  second
• 3:35
  thing
• 3:35
  I'm
• 3:36
  going
• 3:36
  to
• 3:36
  recommend.
• 3:37
  And
• 3:37
  my
• 3:37
  wife
• 3:37
  and
• 3:37
  I
• 3:37
  talked
• 3:38
  about
• 3:38
  this
• 3:38
  yesterday.
• 3:39
  Build
• 3:40
  what
• 3:40
  I
• 3:40
  call
• 3:40
  the
• 3:40
  same
• 3:41
  10
• 3:41
  list.
• 3:43
  These
• 3:43
  are
• 3:43
  10
• 3:44
  repeatable
• 3:45
  staples
• 3:45
  that
• 3:46
  your
• 3:46
  family
• 3:46
  actually
• 3:47
  eats.
• 3:48
  These
• 3:48
  are
• 3:49
  the
• 3:49
  things
• 3:49
  that
• 3:49
  we
• 3:49
  know
• 3:49
  we're
• 3:50
  going
• 3:50
  to
• 3:50
  eat.
• 3:50
  I
• 3:50
  don't
• 3:50
  know
• 3:50
  what
• 3:51
  you
• 3:51
  eat
• 3:51
  in
• 3:51
  your
• 3:51
  culture
• 3:52
  or
• 3:52
  where
• 3:52
  you
• 3:52
  eat
• 3:52
  in
• 3:52
  your
• 3:53
  family.
• 3:53
  What
• 3:53
  are
• 3:53
  those
• 3:54
  staples
• 3:54
  are
• 3:55
  if
• 3:56
  you
• 3:56
  build
• 3:56
  a
• 3:56
  grocery
• 3:56
  list.
• 3:57
  And
• 3:57
  again,
• 3:57
  I'm
• 3:57
  going
• 3:57
  to
• 3:58
  say
• 3:58
  this,
• 3:58
  building
• 3:58
  a
• 3:59
  grocery
• 3:59
  list
• 3:59
  is
• 3:59
  a
• 4:00
  great
• 4:00
  idea.
• 4:01
  Before
• 4:01
  you
• 4:01
  go
• 4:01
  to
• 4:01
  this
• 4:02
  store,
• 4:02
  put
• 4:02
  it
• 4:02
  on
• 4:02
  the
• 4:02
  list.
• 4:02
  Because
• 4:03
  here's
• 4:03
  the
• 4:03
  thing,
• 4:03
  and
• 4:03
  I'm
• 4:03
  not
• 4:03
  picking
• 4:04
  on
• 4:04
  the
• 4:04
  grocery
• 4:04
  stores.
• 4:05
  Their
• 4:05
  goal
• 4:06
  is
• 4:06
  for
• 4:06
  you
• 4:07
  to
• 4:07
  spend
• 4:07
  on
• 4:07
  the
• 4:07
  way
• 4:07
  out
• 4:08
  the
• 4:08
  door.
• 4:08
  That's
• 4:08
  why
• 4:08
  they
• 4:09
  have
• 4:09
  those
• 4:09
  aisles
• 4:09
  with
• 4:09
  all
• 4:10
  the
• 4:10
  fun
• 4:10
  stuff
• 4:10
  as
• 4:10
  you're
• 4:11
  checking
• 4:11
  out,
• 4:11
  because
• 4:12
  they
• 4:12
  want
• 4:12
  you
• 4:12
  to
• 4:12
  spend
• 4:13
  more.
• 4:14
  But
• 4:14
  build
• 4:14
  that
• 4:15
  same
• 4:15
  10
• 4:15
  list
• 4:16
  and
• 4:16
  shop
• 4:17
  those
• 4:17
  things
• 4:17
  first.
• 4:18
  When
• 4:18
  you
• 4:18
  first
• 4:18
  enter
• 4:18
  the
• 4:19
  store,
• 4:19
  go
• 4:19
  get
• 4:20
  those
• 4:20
  absolute
• 4:21
  10
• 4:22
  things
• 4:22
  you
• 4:22
  need
• 4:22
  to
• 4:22
  get.
• 4:23
  And
• 4:24
  then
• 4:24
  once
• 4:24
  you
• 4:24
  see
• 4:24
  where
• 4:24
  you're
• 4:25
  at,
• 4:25
  then
• 4:26
  you
• 4:26
  can
• 4:26
  add
• 4:26
  some
• 4:26
  what
• 4:27
  I'll
• 4:27
  call
• 4:27
  fun
• 4:27
  items.
• 4:28
  But
• 4:28
  maybe
• 4:28
  you
• 4:28
  say,
• 4:28
  look,
• 4:29
  I'm
• 4:29
  only
• 4:29
  going
• 4:29
  to
• 4:29
  add
• 4:29
  three
• 4:30
  items
• 4:30
  into
• 4:30
  the
• 4:30
  fun
• 4:31
  list.
• 4:31
  Maybe
• 4:31
  I
• 4:31
  have
• 4:31
  a
• 4:31
  budget,
• 4:32
  I'm
• 4:32
  going
• 4:32
  to
• 4:32
  spend
• 4:32
  an
• 4:33
  extra
• 4:33
  $10
• 4:33
  on
• 4:34
  fun
• 4:34
  items.
• 4:35
  But
• 4:35
  no,
• 4:35
  you're
• 4:36
  going
• 4:36
  to
• 4:36
  get
• 4:36
  to
• 4:36
  those
• 4:36
  10
• 4:37
  things
• 4:37
  because
• 4:38
  it's
• 4:38
  so
• 4:38
  easy
• 4:38
  for
• 4:38
  this
• 4:39
  stuff
• 4:39
  to
• 4:39
  get
• 4:39
  out
• 4:39
  of
• 4:39
  hand.
• 4:40
  It's
• 4:40
  funny,
• 4:40
  we
• 4:40
  were
• 4:40
  checking
• 4:41
  out
• 4:41
  the
• 4:41
  grocery
• 4:41
  store
• 4:42
  the
• 4:42
  other
• 4:42
  night
• 4:42
  and
• 4:43
  the
• 4:43
  lady
• 4:43
  asked
• 4:43
  me,
• 4:44
  she
• 4:44
  said,
• 4:44
  did
• 4:44
  you
• 4:44
  find
• 4:44
  everything
• 4:45
  you
• 4:45
  were
• 4:45
  looking
• 4:45
  for?
• 4:45
  I
• 4:46
  said,
• 4:46
  yep.
• 4:46
  And
• 4:46
  I
• 4:46
  found
• 4:46
  stuff
• 4:47
  I
• 4:47
  wasn't
• 4:47
  looking
• 4:47
  for
• 4:48
  also.
• 4:48
  But
• 4:49
  that's
• 4:49
  just
• 4:49
  the
• 4:49
  truth,
• 4:50
  right?
• 4:50
  We
• 4:50
  go
• 4:50
  into
• 4:50
  the
• 4:50
  store.
• 4:51
  Now
• 4:51
  don't
• 4:51
  go
• 4:51
  in
• 4:52
  there
• 4:52
  hungry.
• 4:52
  Have
• 4:53
  a
• 4:53
  list,
• 4:54
  have
• 4:54
  a
• 4:54
  number,
• 4:54
  have
• 4:55
  a
• 4:55
  plan.
• 4:56
  Here's
• 4:56
  another
• 4:56
  thing,
• 4:56
  practical
• 4:57
  advice.
• 4:58
  Cook
• 4:59
  once
• 4:59
  and
• 5:00
  stretch
• 5:00
  twice.
• 5:01
  So
• 5:01
  for
• 5:02
  everything
• 5:02
  you
• 5:02
  cook,
• 5:02
  plan
• 5:03
  two
• 5:03
  base
• 5:04
  meals
• 5:04
  that
• 5:05
  turn
• 5:05
  into
• 5:05
  two
• 5:05
  follow
• 5:06
  up
• 5:06
  meals.
• 5:06
  Here's
• 5:07
  a
• 5:07
  great
• 5:07
  idea.
• 5:07
  Let's
• 5:07
  say
• 5:08
  you
• 5:08
  like
• 5:08
  rotisserie
• 5:09
  chicken.
• 5:09
  My
• 5:09
  wife
• 5:10
  does
• 5:10
  some
• 5:10
  beautiful
• 5:10
  things
• 5:11
  at
• 5:11
  Rotisserie
• 5:11
  Chicken.
• 5:12
  You
• 5:13
  can
• 5:13
  do
• 5:13
  other
• 5:13
  things
• 5:13
  with
• 5:13
  that.
• 5:14
  You
• 5:14
  can
• 5:14
  make
• 5:14
  some
• 5:14
  chicken
• 5:15
  salad.
• 5:15
  You
• 5:15
  can
• 5:15
  have
• 5:16
  a
• 5:16
  for
• 5:16
  tacos
• 5:17
  or
• 5:17
  soup
• 5:17
  and
• 5:18
  rice
• 5:18
  bowls,
• 5:18
  whatever
• 5:19
  that
• 5:19
  looks
• 5:19
  like
• 5:19
  for
• 5:19
  you.
• 5:19
  There's
• 5:20
  Ways
• 5:20
  to
• 5:20
  stretch
• 5:21
  these
• 5:21
  things.
• 5:21
  You
• 5:22
  can
• 5:22
  take
• 5:22
  ground
• 5:22
  meat
• 5:23
  and
• 5:23
  beans
• 5:24
  and
• 5:24
  make
• 5:24
  chili
• 5:25
  and
• 5:25
  baked
• 5:26
  potatoes
• 5:26
  and
• 5:26
  nachos.
• 5:27
  And
• 5:27
  here's
• 5:28
  the
• 5:28
  thing.
• 5:28
  A
• 5:28
  lot
• 5:28
  of
• 5:28
  people
• 5:29
  don't
• 5:29
  realize
• 5:29
  this.
• 5:30
  Leftovers
• 5:31
  aren't
• 5:31
  failure.
• 5:32
  They're
• 5:32
  your
• 5:33
  future
• 5:33
  provisions.
• 5:34
  Leftovers.
• 5:34
  To
• 5:34
  be
• 5:34
  honest
• 5:35
  with
• 5:35
  you,
• 5:35
  I
• 5:35
  think
• 5:35
  the
• 5:35
  leftovers
• 5:36
  are
• 5:36
  better
• 5:36
  than
• 5:36
  the
• 5:36
  first
• 5:37
  course.
• 5:37
  But
• 5:38
  build
• 5:38
  that
• 5:38
  into
• 5:38
  your
• 5:39
  plan.
• 5:39
  Here's
• 5:40
  another
• 5:40
  thing
• 5:40
  I
• 5:40
  recommend
• 5:40
  you
• 5:41
  do.
• 5:41
  Use
• 5:41
  what
• 5:41
  I
• 5:42
  call
• 5:42
  the
• 5:42
  swap
• 5:42
  ladder.
• 5:43
  When
• 5:43
  prices
• 5:44
  spike,
• 5:45
  when
• 5:45
  you
• 5:45
  notice
• 5:45
  that
• 5:46
  things
• 5:46
  are
• 5:46
  going
• 5:46
  up
• 5:46
  in
• 5:47
  price,
• 5:48
  have
• 5:48
  a
• 5:48
  spike
• 5:49
  ladder.
• 5:49
  For
• 5:49
  example,
• 5:50
  let's
• 5:50
  say
• 5:50
  that
• 5:50
  you
• 5:51
  buy
• 5:51
  vegetables.
• 5:52
  Well,
• 5:52
  fresh
• 5:52
  vegetables
• 5:53
  are
• 5:53
  your.
• 5:54
  That's
• 5:54
  what
• 5:54
  you'd
• 5:54
  rather
• 5:54
  have.
• 5:55
  I
• 5:55
  think
• 5:55
  all
• 5:55
  of
• 5:55
  us
• 5:55
  would
• 5:56
  rather
• 5:56
  have
• 5:56
  fresh
• 5:56
  vegetables.
• 5:57
  Well,
• 5:57
  guess
• 5:58
  what?
• 5:58
  My
• 5:58
  wife
• 5:58
  picked
• 5:58
  on
• 5:58
  me
• 5:59
  the
• 5:59
  other
• 5:59
  day.
• 5:59
  I
• 5:59
  love
• 5:59
  to
• 6:00
  eat
• 6:00
  strawberries.
• 6:00
  I
• 6:00
  eat
• 6:00
  strawberries
• 6:01
  for
• 6:01
  breakfast
• 6:01
  every
• 6:02
  day.
• 6:02
  And
• 6:02
  she
• 6:02
  says,
• 6:03
  ralph,
• 6:03
  it's
• 6:04
  winter
• 6:04
  in
• 6:05
  the
• 6:05
  United
• 6:05
  States.
• 6:06
  Strawberries
• 6:07
  are
• 6:07
  not
• 6:07
  in
• 6:07
  season.
• 6:08
  Guess
• 6:08
  where
• 6:08
  the
• 6:09
  strawberries
• 6:09
  are
• 6:09
  coming
• 6:09
  from.
• 6:10
  A
• 6:10
  different
• 6:11
  culture,
• 6:11
  A
• 6:11
  different
• 6:11
  place.
• 6:12
  Far
• 6:12
  away.
• 6:12
  Well,
• 6:13
  if
• 6:13
  they're
• 6:13
  coming
• 6:13
  from
• 6:13
  somewhere
• 6:14
  else,
• 6:14
  guess
• 6:14
  what
• 6:14
  that
• 6:14
  means?
• 6:15
  They're
• 6:15
  more
• 6:16
  expensive.
• 6:17
  So
• 6:17
  on
• 6:17
  the
• 6:17
  latter,
• 6:18
  we
• 6:18
  say,
• 6:18
  okay,
• 6:18
  well,
• 6:18
  right
• 6:18
  now
• 6:19
  we're
• 6:19
  going
• 6:19
  to
• 6:19
  do
• 6:19
  frozen
• 6:20
  strawberries.
• 6:21
  They're
• 6:21
  so
• 6:22
  much
• 6:22
  more
• 6:22
  affordable.
• 6:22
  I
• 6:23
  think
• 6:23
  we
• 6:23
  got
• 6:23
  a
• 6:23
  four
• 6:24
  pound
• 6:24
  bag
• 6:24
  of
• 6:24
  frozen
• 6:25
  strawberries
• 6:26
  for
• 6:26
  20%
• 6:27
  of
• 6:27
  what
• 6:27
  it
• 6:28
  would
• 6:28
  have
• 6:28
  cost
• 6:28
  for
• 6:28
  fresh.
• 6:29
  And
• 6:29
  here's
• 6:29
  the
• 6:29
  best
• 6:30
  part
• 6:30
  of
• 6:30
  that.
• 6:30
  They
• 6:30
  were
• 6:31
  already
• 6:31
  cut
• 6:31
  up.
• 6:31
  I
• 6:31
  didn't
• 6:31
  have
• 6:32
  to
• 6:32
  deal
• 6:32
  with
• 6:32
  cutting
• 6:32
  them
• 6:32
  up.
• 6:33
  But
• 6:34
  maybe
• 6:34
  for
• 6:34
  canned
• 6:35
  vegetables
• 6:35
  you
• 6:35
  can
• 6:35
  do
• 6:35
  the
• 6:36
  same
• 6:36
  thing.
• 6:36
  Sure,
• 6:36
  you
• 6:36
  want
• 6:36
  the
• 6:37
  fresh.
• 6:37
  Maybe
• 6:38
  the
• 6:38
  frozen
• 6:38
  is
• 6:38
  still
• 6:39
  expensive.
• 6:39
  Go
• 6:39
  with
• 6:39
  the
• 6:40
  canned.
• 6:40
  Here's
• 6:40
  another
• 6:41
  great
• 6:41
  idea.
• 6:42
  Maybe
• 6:42
  you're
• 6:42
  one
• 6:42
  of
• 6:43
  those
• 6:43
  people,
• 6:43
  I
• 6:43
  got
• 6:43
  to
• 6:43
  have
• 6:44
  brand
• 6:44
  name.
• 6:45
  But
• 6:45
  you
• 6:45
  don't
• 6:45
  always
• 6:46
  have
• 6:46
  to
• 6:46
  have
• 6:46
  brand
• 6:46
  name.
• 6:47
  Shop
• 6:48
  the
• 6:48
  store
• 6:48
  brand.
• 6:48
  Now,
• 6:48
  here's
• 6:49
  a
• 6:49
  big
• 6:49
  takeaway.
• 6:50
  Don't
• 6:50
  just
• 6:50
  go
• 6:51
  all
• 6:51
  into
• 6:51
  the
• 6:51
  store
• 6:52
  brands.
• 6:52
  Experiment
• 6:53
  a
• 6:53
  little
• 6:53
  bit.
• 6:54
  Maybe
• 6:54
  you'd
• 6:54
  like.
• 6:55
  I
• 6:55
  got
• 6:55
  a
• 6:55
  friend
• 6:55
  of
• 6:55
  mine,
• 6:56
  he
• 6:56
  likes
• 6:56
  to
• 6:56
  eat
• 6:57
  chili,
• 6:57
  and
• 6:58
  he
• 6:58
  likes
• 6:58
  a
• 6:58
  particular
• 6:59
  brand
• 6:59
  of
• 6:59
  chili
• 7:00
  that
• 7:00
  he
• 7:00
  gets
• 7:00
  from
• 7:00
  a
• 7:00
  can
• 7:01
  that's
• 7:01
  a
• 7:01
  name
• 7:01
  brand.
• 7:02
  And
• 7:02
  I
• 7:02
  said
• 7:02
  to
• 7:03
  him,
• 7:03
  I
• 7:03
  said,
• 7:03
  dude,
• 7:03
  why
• 7:03
  don't
• 7:03
  you
• 7:04
  disturb
• 7:04
  it?
• 7:04
  And
• 7:04
  he
• 7:04
  goes,
• 7:04
  oh,
• 7:05
  I've
• 7:05
  always
• 7:05
  had
• 7:06
  this
• 7:06
  one.
• 7:07
  I
• 7:07
  said,
• 7:07
  do
• 7:07
  me
• 7:08
  a
• 7:08
  favor.
• 7:08
  You
• 7:08
  want
• 7:08
  to
• 7:08
  save
• 7:09
  a
• 7:09
  few
• 7:09
  bucks,
• 7:09
  try
• 7:10
  the
• 7:10
  store
• 7:10
  brand.
• 7:10
  Just
• 7:10
  buy
• 7:11
  one
• 7:11
  can.
• 7:11
  He
• 7:12
  comes
• 7:12
  back
• 7:12
  to
• 7:12
  me
• 7:12
  a
• 7:12
  week
• 7:13
  later.
• 7:13
  He
• 7:13
  says,
• 7:13
  ralph,
• 7:13
  the
• 7:14
  store
• 7:14
  brand's
• 7:14
  better
• 7:15
  than
• 7:15
  the
• 7:15
  name
• 7:15
  brand.
• 7:16
  I
• 7:16
  said,
• 7:16
  flip
• 7:17
  the
• 7:17
  can
• 7:17
  over.
• 7:17
  Here's
• 7:17
  a
• 7:17
  little
• 7:18
  secret.
• 7:18
  It's
• 7:19
  made
• 7:19
  by
• 7:19
  the
• 7:19
  same
• 7:19
  company.
• 7:21
  It's
• 7:21
  just
• 7:21
  the
• 7:21
  store
• 7:22
  has
• 7:22
  their
• 7:22
  label
• 7:22
  on
• 7:22
  it.
• 7:23
  Now
• 7:23
  that
• 7:23
  doesn't
• 7:23
  mean
• 7:23
  it's
• 7:24
  always
• 7:24
  the
• 7:24
  same,
• 7:25
  but
• 7:25
  that's
• 7:26
  an
• 7:26
  idea.
• 7:26
  You
• 7:26
  can
• 7:26
  do
• 7:26
  that.
• 7:27
  Move
• 7:27
  from
• 7:27
  the
• 7:27
  name
• 7:28
  brand
• 7:28
  to
• 7:28
  the
• 7:28
  store
• 7:28
  brand
• 7:29
  again,
• 7:29
  try
• 7:29
  out
• 7:29
  different
• 7:30
  stores.
• 7:30
  Different
• 7:31
  grocery
• 7:31
  stores
• 7:31
  have
• 7:32
  different
• 7:32
  options.
• 7:33
  Here's
• 7:33
  a
• 7:33
  big
• 7:34
  one.
• 7:34
  I
• 7:34
  was
• 7:34
  picking
• 7:34
  on
• 7:35
  my
• 7:35
  younger
• 7:35
  son
• 7:35
  the
• 7:36
  other
• 7:36
  day
• 7:36
  about
• 7:36
  this.
• 7:36
  He
• 7:36
  loves
• 7:37
  to
• 7:37
  buy
• 7:37
  those
• 7:37
  easy
• 7:38
  to
• 7:38
  grab
• 7:38
  the
• 7:38
  bag
• 7:38
  and
• 7:39
  go
• 7:39
  snacks.
• 7:40
  Here's
• 7:40
  the
• 7:40
  problem.
• 7:41
  Those
• 7:41
  individual
• 7:42
  snacks
• 7:42
  cost
• 7:43
  more.
• 7:43
  Why?
• 7:44
  Because
• 7:44
  of
• 7:44
  the
• 7:44
  packaging.
• 7:45
  They
• 7:45
  got
• 7:45
  to
• 7:45
  seal
• 7:46
  up
• 7:46
  every
• 7:46
  little
• 7:46
  bag,
• 7:46
  like
• 7:47
  Doritos.
• 7:47
  My
• 7:47
  son
• 7:47
  loves
• 7:48
  Doritos.
• 7:49
  He
• 7:49
  buys
• 7:49
  this
• 7:50
  little
• 7:50
  bags
• 7:50
  of
• 7:50
  Doritos.
• 7:51
  What's
• 7:51
  easy
• 7:51
  as
• 7:51
  I'm
• 7:51
  going
• 7:51
  out
• 7:52
  the
• 7:52
  store
• 7:52
  to
• 7:52
  work,
• 7:52
  I
• 7:52
  said,
• 7:52
  dude,
• 7:53
  buy
• 7:53
  a
• 7:53
  big
• 7:54
  bag
• 7:54
  and
• 7:55
  then
• 7:55
  portion
• 7:55
  them
• 7:55
  out.
• 7:56
  He
• 7:56
  goes,
• 7:56
  what
• 7:57
  am
• 7:57
  I
• 7:57
  going
• 7:57
  to
• 7:57
  portion
• 7:57
  in?
• 7:57
  I
• 7:57
  said,
• 7:58
  buy
• 7:58
  some
• 7:58
  containers.
• 8:00
  It
• 8:00
  says
• 8:01
  it's
• 8:01
  going
• 8:01
  to
• 8:01
  cost
• 8:01
  you
• 8:01
  a
• 8:02
  lot
• 8:02
  of
• 8:02
  money.
• 8:02
  Buy
• 8:03
  seven
• 8:03
  containers
• 8:03
  and
• 8:04
  every
• 8:04
  day
• 8:04
  pack
• 8:04
  a
• 8:04
  container.
• 8:05
  Then
• 8:05
  wash
• 8:05
  them
• 8:06
  out.
• 8:06
  At
• 8:06
  the
• 8:06
  end
• 8:06
  of
• 8:06
  the
• 8:06
  day,
• 8:07
  don't
• 8:07
  go
• 8:07
  buy
• 8:07
  extra
• 8:08
  Ziploc
• 8:08
  bags.
• 8:09
  I'm
• 8:09
  throwing
• 8:09
  a
• 8:09
  name
• 8:09
  brand
• 8:10
  out
• 8:10
  there.
• 8:10
  But
• 8:10
  don't
• 8:10
  buy
• 8:10
  bags,
• 8:11
  because
• 8:11
  then
• 8:11
  you're
• 8:11
  just
• 8:11
  throwing
• 8:11
  those
• 8:12
  away.
• 8:12
  Buy
• 8:13
  something
• 8:13
  reusable.
• 8:14
  And
• 8:15
  maybe
• 8:15
  you
• 8:15
  love
• 8:15
  beef,
• 8:16
  but
• 8:16
  you're
• 8:16
  like,
• 8:16
  well,
• 8:16
  you
• 8:16
  know
• 8:17
  what?
• 8:17
  We're
• 8:17
  in
• 8:18
  the
• 8:18
  red
• 8:18
  zone.
• 8:18
  We
• 8:18
  talked
• 8:18
  about
• 8:19
  red
• 8:19
  zone
• 8:19
  yesterday
• 8:20
  and
• 8:20
  budgeting.
• 8:21
  Maybe
• 8:21
  right
• 8:21
  now,
• 8:21
  beef
• 8:22
  isn't
• 8:22
  affordable.
• 8:22
  So
• 8:23
  maybe
• 8:23
  eat
• 8:23
  some
• 8:23
  chicken
• 8:23
  thighs
• 8:24
  or
• 8:25
  maybe
• 8:25
  eat
• 8:25
  some
• 8:25
  eggs
• 8:25
  and
• 8:26
  beans.
• 8:27
  Think
• 8:27
  about
• 8:27
  the
• 8:28
  things
• 8:28
  you
• 8:28
  can
• 8:28
  swap
• 8:29
  out.
• 8:30
  Here's
• 8:30
  another
• 8:30
  thing
• 8:30
  I'm
• 8:31
  going
• 8:31
  to
• 8:31
  encourage
• 8:31
  you
• 8:31
  to
• 8:31
  do.
• 8:32
  Protect
• 8:32
  your
• 8:32
  cart
• 8:33
  from
• 8:33
  those
• 8:33
  silent
• 8:34
  extras.
• 8:34
  And
• 8:35
  there's
• 8:35
  a
• 8:35
  guilty
• 8:35
  as
• 8:36
  charged.
• 8:36
  We
• 8:36
  were
• 8:36
  checking
• 8:36
  out
• 8:37
  the
• 8:37
  other
• 8:37
  day,
• 8:37
  and
• 8:37
  I
• 8:37
  said,
• 8:37
  oh,
• 8:38
  look
• 8:38
  at
• 8:38
  this.
• 8:38
  Now,
• 8:39
  I'm
• 8:39
  not
• 8:39
  one
• 8:39
  to
• 8:39
  eat
• 8:40
  a
• 8:40
  lot
• 8:40
  of
• 8:40
  candy
• 8:40
  bars.
• 8:40
  I'm
• 8:41
  trying
• 8:41
  to
• 8:41
  really
• 8:41
  watch
• 8:41
  my
• 8:41
  sugar.
• 8:42
  But
• 8:42
  I
• 8:42
  saw
• 8:42
  this
• 8:43
  Snickers
• 8:43
  bar
• 8:43
  as
• 8:43
  we
• 8:44
  were
• 8:44
  leaving
• 8:44
  the
• 8:44
  store,
• 8:45
  and
• 8:45
  it
• 8:45
  was
• 8:45
  right
• 8:46
  there
• 8:46
  in
• 8:46
  front
• 8:46
  of
• 8:46
  us.
• 8:46
  And
• 8:47
  I
• 8:47
  said,
• 8:47
  hmm,
• 8:47
  I
• 8:48
  get
• 8:48
  this.
• 8:48
  Now.
• 8:48
  Look
• 8:49
  at
• 8:49
  the
• 8:49
  price.
• 8:49
  It's
• 8:49
  three
• 8:49
  bucks.
• 8:52
  Of
• 8:52
  course,
• 8:52
  the
• 8:52
  grocery,
• 8:53
  and
• 8:53
  I'm
• 8:53
  not
• 8:53
  saying
• 8:53
  they're
• 8:54
  nefarious
• 8:54
  in
• 8:54
  doing
• 8:55
  this,
• 8:55
  but
• 8:55
  they're
• 8:56
  putting
• 8:56
  those
• 8:56
  things
• 8:56
  in
• 8:57
  front
• 8:57
  of
• 8:57
  you.
• 8:57
  Like,
• 8:58
  grocery
• 8:58
  stores
• 8:58
  have
• 8:58
  no
• 8:59
  impulse
• 8:59
  lines.
• 9:00
  If
• 9:00
  you're
• 9:00
  an
• 9:00
  impulse
• 9:00
  buyer,
• 9:01
  go
• 9:01
  to
• 9:02
  the
• 9:02
  no
• 9:02
  impulse.
• 9:03
  Another
• 9:03
  great
• 9:03
  idea.
• 9:04
  And
• 9:04
  my
• 9:04
  wife
• 9:04
  does
• 9:04
  this
• 9:05
  for
• 9:05
  most
• 9:05
  of
• 9:05
  the
• 9:05
  time.
• 9:05
  We
• 9:05
  get
• 9:06
  groceries,
• 9:07
  she
• 9:07
  does
• 9:07
  an
• 9:07
  online
• 9:08
  order,
• 9:08
  and
• 9:08
  then
• 9:09
  we
• 9:09
  go
• 9:09
  to
• 9:09
  the
• 9:09
  store,
• 9:09
  back
• 9:10
  the
• 9:10
  car
• 9:10
  up,
• 9:10
  and
• 9:10
  they
• 9:10
  load
• 9:10
  it
• 9:11
  in.
• 9:11
  Guess
• 9:11
  what?
• 9:12
  No
• 9:12
  impulse
• 9:12
  buying
• 9:13
  then.
• 9:13
  Because
• 9:14
  it's
• 9:14
  whatever
• 9:14
  on
• 9:14
  your
• 9:15
  list.
• 9:15
  So
• 9:15
  that
• 9:15
  can
• 9:15
  be
• 9:15
  a
• 9:15
  great
• 9:16
  way
• 9:16
  to
• 9:16
  do
• 9:16
  it.
• 9:17
  But
• 9:17
  keep
• 9:17
  those
• 9:17
  things
• 9:18
  out
• 9:18
  of
• 9:18
  your
• 9:18
  cart.
• 9:19
  The
• 9:19
  drinks
• 9:19
  and
• 9:19
  the
• 9:19
  snacks
• 9:20
  and
• 9:20
  the
• 9:20
  desserts,
• 9:21
  those
• 9:21
  are
• 9:21
  the
• 9:22
  high
• 9:22
  ticket
• 9:22
  items
• 9:23
  where
• 9:23
  you're
• 9:23
  going
• 9:24
  to
• 9:24
  blow
• 9:24
  your
• 9:24
  budget.
• 9:25
  Another
• 9:25
  thing,
• 9:26
  I
• 9:26
  talked
• 9:26
  about
• 9:26
  this
• 9:26
  earlier,
• 9:27
  eat
• 9:27
  before
• 9:27
  you
• 9:27
  shop
• 9:28
  and
• 9:29
  shop
• 9:29
  a
• 9:29
  list
• 9:29
  that
• 9:30
  fits
• 9:30
  your
• 9:30
  cap.
• 9:31
  So
• 9:31
  know
• 9:31
  what
• 9:31
  that
• 9:31
  cap
• 9:32
  is,
• 9:32
  know
• 9:32
  what
• 9:33
  you're
• 9:33
  willing
• 9:33
  to
• 9:33
  spend.
• 9:33
  And
• 9:34
  like
• 9:34
  I
• 9:34
  said
• 9:34
  today,
• 9:35
  focus
• 9:35
  on
• 9:35
  those
• 9:36
  10
• 9:36
  things
• 9:36
  and
• 9:37
  really
• 9:37
  be,
• 9:38
  look
• 9:38
  at
• 9:38
  ways
• 9:38
  to
• 9:38
  just
• 9:39
  trim
• 9:39
  that
• 9:39
  down
• 9:40
  a
• 9:40
  little
• 9:40
  bit
• 9:41
  because
• 9:41
  in
• 9:41
  the
• 9:41
  end
• 9:42
  you're
• 9:42
  not
• 9:42
  failing.
• 9:42
  Prices
• 9:43
  are
• 9:43
  loud,
• 9:43
  prices
• 9:44
  are
• 9:44
  expensive
• 9:45
  right
• 9:45
  now.
• 9:46
  So
• 9:46
  you
• 9:46
  got
• 9:46
  to
• 9:46
  lead
• 9:46
  your
• 9:47
  money
• 9:47
  gently.
• 9:48
  Which
• 9:48
  leads
• 9:48
  me
• 9:48
  to
• 9:49
  today's
• 9:49
  big
• 9:49
  win.
• 9:50
  Whatever
• 9:51
  you
• 9:51
  do,
• 9:51
  if
• 9:51
  you've
• 9:51
  got
• 9:51
  a
• 9:51
  notes
• 9:52
  app
• 9:52
  or
• 9:52
  whatever
• 9:53
  you
• 9:53
  write
• 9:53
  down
• 9:53
  on,
• 9:54
  pick
• 9:54
  that
• 9:55
  grocery
• 9:56
  cap
• 9:56
  today.
• 9:56
  Pick
• 9:57
  that
• 9:57
  number
• 9:57
  and
• 9:58
  write
• 9:58
  it
• 9:58
  down.
• 9:59
  Here's
• 9:59
  what
• 9:59
  we're
• 10:00
  going
• 10:00
  to
• 10:00
  spend
• 10:00
  and
• 10:00
  here's
• 10:01
  the
• 10:01
  other
• 10:01
  thing.
• 10:01
  Encourage.
• 10:01
  I
• 10:02
  talked
• 10:02
  about
• 10:02
  this
• 10:02
  the
• 10:02
  other
• 10:02
  day.
• 10:02
  The,
• 10:03
  the
• 10:03
  reality
• 10:03
  and
• 10:04
  the
• 10:04
  joy.
• 10:04
  Put
• 10:04
  a
• 10:05
  couple
• 10:05
  of
• 10:05
  joy
• 10:05
  items
• 10:06
  on
• 10:06
  there.
• 10:06
  A
• 10:06
  couple
• 10:06
  of
• 10:06
  things
• 10:06
  that
• 10:07
  you're
• 10:07
  like,
• 10:07
  hey,
• 10:07
  Ralph,
• 10:07
  we
• 10:08
  can
• 10:08
  do
• 10:08
  this.
• 10:08
  I'll
• 10:08
  give
• 10:08
  you
• 10:08
  a
• 10:08
  great
• 10:09
  example.
• 10:09
  When
• 10:09
  we
• 10:09
  were
• 10:09
  kids,
• 10:10
  my
• 10:10
  mom
• 10:11
  raised
• 10:11
  us
• 10:12
  as
• 10:12
  a
• 10:12
  single
• 10:12
  mom.
• 10:13
  She
• 10:13
  struggled
• 10:14
  when
• 10:14
  we
• 10:15
  would
• 10:15
  go
• 10:15
  to
• 10:15
  the
• 10:15
  grocery
• 10:15
  store,
• 10:16
  she
• 10:16
  would
• 10:16
  make
• 10:17
  sure
• 10:17
  when
• 10:17
  she
• 10:17
  put
• 10:18
  this
• 10:18
  stuff
• 10:18
  on.
• 10:18
  So
• 10:18
  pictures,
• 10:19
  we're,
• 10:19
  we're
• 10:19
  going
• 10:19
  through
• 10:19
  the
• 10:19
  aisles
• 10:20
  and
• 10:20
  my
• 10:20
  sister
• 10:20
  and
• 10:21
  I,
• 10:21
  we're
• 10:21
  like
• 10:21
  little
• 10:21
  demons
• 10:22
  in
• 10:22
  the
• 10:22
  court.
• 10:22
  We're
• 10:22
  grabbing
• 10:23
  this
• 10:23
  and
• 10:23
  we're
• 10:23
  grabbing
• 10:23
  that.
• 10:24
  And
• 10:24
  my
• 10:24
  mom
• 10:24
  says,
• 10:24
  okay,
• 10:25
  kids,
• 10:25
  well,
• 10:25
  here's
• 10:25
  a
• 10:25
  deal.
• 10:26
  When
• 10:26
  we
• 10:26
  go
• 10:26
  to
• 10:26
  check
• 10:27
  out,
• 10:27
  we've
• 10:27
  got
• 10:27
  to
• 10:28
  pay
• 10:28
  for
• 10:28
  the
• 10:28
  stuff
• 10:28
  we've
• 10:29
  got
• 10:29
  to
• 10:29
  have.
• 10:29
  If
• 10:30
  there's
• 10:30
  money
• 10:30
  for
• 10:30
  extras,
• 10:31
  we'll
• 10:31
  do
• 10:31
  that.
• 10:31
  So
• 10:31
  here's
• 10:32
  what
• 10:32
  my
• 10:32
  mom
• 10:32
  would
• 10:32
  do.
• 10:32
  And
• 10:32
  I
• 10:32
  never
• 10:33
  realized
• 10:33
  it
• 10:33
  for
• 10:33
  a
• 10:33
  while
• 10:34
  until
• 10:34
  she
• 10:34
  told
• 10:34
  me
• 10:35
  she
• 10:35
  would
• 10:35
  always
• 10:35
  put
• 10:36
  the
• 10:36
  stuff
• 10:36
  we
• 10:36
  had
• 10:36
  to
• 10:37
  get
• 10:37
  on
• 10:37
  the
• 10:38
  conveyor
• 10:38
  belt
• 10:38
  first.
• 10:39
  The
• 10:39
  stuff
• 10:40
  that
• 10:40
  we
• 10:40
  had
• 10:40
  to
• 10:40
  have
• 10:40
  for
• 10:40
  the
• 10:41
  meals.
• 10:41
  And
• 10:41
  I
• 10:41
  never
• 10:41
  realized
• 10:42
  this
• 10:42
  until
• 10:42
  when
• 10:43
  I
• 10:43
  got
• 10:43
  a
• 10:43
  little
• 10:43
  bit
• 10:43
  older.
• 10:44
  And
• 10:44
  then
• 10:44
  what
• 10:44
  she
• 10:44
  would
• 10:45
  do
• 10:45
  is
• 10:45
  she
• 10:45
  would
• 10:45
  look
• 10:45
  at
• 10:46
  the
• 10:46
  total.
• 10:46
  She
• 10:46
  would
• 10:46
  say
• 10:46
  to
• 10:47
  the
• 10:47
  lady,
• 10:47
  hey,
• 10:47
  what's
• 10:47
  the
• 10:47
  total?
• 10:48
  And
• 10:49
  she
• 10:49
  would
• 10:49
  see
• 10:49
  the
• 10:49
  total,
• 10:49
  okay,
• 10:50
  I
• 10:50
  can
• 10:50
  afford
• 10:50
  a
• 10:50
  little
• 10:50
  bit.
• 10:50
  And
• 10:50
  she's,
• 10:51
  okay,
• 10:51
  well,
• 10:51
  let
• 10:51
  me
• 10:51
  pick
• 10:51
  one
• 10:52
  from,
• 10:52
  from
• 10:52
  him,
• 10:53
  one
• 10:53
  from
• 10:53
  her,
• 10:54
  my
• 10:54
  sister
• 10:54
  and
• 10:54
  I.
• 10:55
  And
• 10:55
  she'd
• 10:55
  pick
• 10:55
  a
• 10:55
  couple
• 10:56
  things
• 10:56
  and
• 10:56
  then
• 10:56
  sometimes
• 10:56
  it'd
• 10:57
  be
• 10:57
  like,
• 10:57
  listen
• 10:57
  kids,
• 10:57
  we
• 10:58
  can't
• 10:58
  afford
• 10:58
  it
• 10:58
  this
• 10:59
  week.
• 10:59
  And
• 11:00
  that's
• 11:00
  okay.
• 11:01
  It's
• 11:01
  okay
• 11:01
  to
• 11:01
  say
• 11:02
  no.
• 11:03
  It's
• 11:03
  okay
• 11:03
  to
• 11:04
  treat
• 11:04
  yourself
• 11:04
  and
• 11:04
  it's
• 11:05
  okay
• 11:05
  to
• 11:05
  say
• 11:05
  no.
• 11:05
  But
• 11:05
  know
• 11:06
  what
• 11:06
  that
• 11:06
  is?
• 11:06
  Hey,
• 11:06
  another
• 11:06
  great
• 11:07
  idea.
• 11:07
  There
• 11:07
  are
• 11:07
  some
• 11:08
  great
• 11:08
  apps
• 11:09
  where
• 11:09
  you
• 11:09
  can
• 11:09
  keep
• 11:09
  track
• 11:10
  of
• 11:10
  what
• 11:10
  you're
• 11:10
  putting
• 11:10
  in
• 11:10
  your
• 11:11
  card
• 11:11
  as
• 11:11
  you
• 11:11
  go.
• 11:12
  Sort
• 11:12
  of
• 11:12
  a
• 11:12
  little
• 11:12
  bonus
• 11:13
  app
• 11:13
  here.
• 11:13
  As
• 11:13
  we
• 11:14
  go.
• 11:14
  Well,
• 11:14
  let's
• 11:15
  get
• 11:15
  to
• 11:15
  scripture
• 11:15
  today.
• 11:15
  You
• 11:16
  know,
• 11:16
  I
• 11:16
  always
• 11:16
  want
• 11:16
  to
• 11:16
  ground
• 11:17
  us
• 11:17
  in
• 11:17
  scripture.
• 11:17
  And
• 11:17
  you're
• 11:18
  thinking,
• 11:18
  ralph,
• 11:18
  how
• 11:19
  do
• 11:19
  you
• 11:19
  ground
• 11:20
  groceries
• 11:20
  in
• 11:21
  scripture?
• 11:21
  Here
• 11:22
  we
• 11:22
  go.
• 11:22
  Isaiah,
• 11:23
  chapter
• 11:24
  41,
• 11:24
  verse
• 11:25
  10.
• 11:26
  So
• 11:26
  do
• 11:26
  not
• 11:26
  fear,
• 11:27
  for
• 11:27
  I
• 11:28
  am
• 11:28
  with
• 11:28
  you.
• 11:29
  Do
• 11:29
  not
• 11:29
  be
• 11:29
  dismayed,
• 11:30
  for
• 11:30
  I
• 11:30
  am
• 11:30
  your
• 11:31
  God.
• 11:31
  I
• 11:32
  will
• 11:32
  strengthen
• 11:32
  you
• 11:33
  and
• 11:33
  help
• 11:33
  you.
• 11:34
  I
• 11:34
  will
• 11:34
  uphold
• 11:35
  you
• 11:35
  with
• 11:35
  my
• 11:35
  righteous
• 11:36
  right
• 11:36
  hand.
• 11:38
  And
• 11:38
  now
• 11:38
  you're
• 11:38
  thinking,
• 11:38
  Ralph,
• 11:39
  how
• 11:39
  does
• 11:39
  this
• 11:39
  fit?
• 11:40
  Here's
• 11:41
  how
• 11:41
  it
• 11:41
  fits.
• 11:42
  This
• 11:42
  pressure
• 11:43
  that
• 11:43
  you're
• 11:43
  feeling
• 11:44
  for
• 11:44
  groceries,
• 11:45
  it's
• 11:45
  real,
• 11:46
  it's
• 11:47
  true,
• 11:48
  it's
• 11:48
  absolutely
• 11:49
  accurate.
• 11:50
  But
• 11:51
  you're
• 11:51
  not
• 11:51
  facing
• 11:51
  that
• 11:52
  alone.
• 11:52
  And
• 11:53
  that's
• 11:53
  the
• 11:53
  beauty
• 11:53
  of
• 11:54
  why
• 11:54
  we
• 11:54
  do
• 11:54
  faith
• 11:55
  and
• 11:55
  finance
• 11:55
  together.
• 11:56
  God
• 11:57
  is
• 11:57
  with
• 11:57
  you.
• 11:57
  God
• 11:58
  is
• 11:58
  steady
• 11:59
  while
• 11:59
  you
• 11:59
  take
• 12:00
  that
• 12:00
  next
• 12:00
  practical
• 12:01
  step.
• 12:01
  In
• 12:01
  short,
• 12:02
  maybe
• 12:02
  you've
• 12:02
  got
• 12:02
  a
• 12:02
  plan
• 12:03
  better.
• 12:03
  You
• 12:04
  got
• 12:04
  to
• 12:04
  put
• 12:04
  that
• 12:04
  cap.
• 12:05
  You've
• 12:05
  got
• 12:05
  to
• 12:05
  build
• 12:05
  those
• 12:06
  10
• 12:06
  staples.
• 12:06
  You've
• 12:07
  got
• 12:07
  to
• 12:07
  look
• 12:07
  for
• 12:07
  ways
• 12:07
  to
• 12:08
  stretch
• 12:08
  those
• 12:08
  things.
• 12:08
  But
• 12:09
  no,
• 12:09
  you're
• 12:09
  not
• 12:09
  doing
• 12:09
  this
• 12:09
  alone.
• 12:10
  God
• 12:10
  is
• 12:11
  with
• 12:11
  you
• 12:11
  during
• 12:12
  this
• 12:12
  whole
• 12:13
  process.
• 12:13
  And
• 12:13
  if
• 12:13
  God
• 12:14
  is
• 12:14
  with
• 12:14
  you,
• 12:14
  who
• 12:15
  can
• 12:15
  possibly
• 12:16
  be
• 12:16
  against
• 12:16
  you?
• 12:17
  Let's
• 12:17
  pray
• 12:17
  together.
• 12:19
  Lord,
• 12:19
  you
• 12:19
  see
• 12:20
  the
• 12:20
  weight
• 12:20
  we
• 12:20
  feel
• 12:21
  right
• 12:21
  now
• 12:21
  every
• 12:22
  time
• 12:22
  we
• 12:22
  look
• 12:22
  at
• 12:22
  prices
• 12:23
  and
• 12:23
  this
• 12:23
  feeling
• 12:24
  of
• 12:24
  fear
• 12:24
  that
• 12:24
  we
• 12:24
  need
• 12:25
  to
• 12:25
  feed
• 12:25
  our
• 12:25
  families,
• 12:26
  Lord,
• 12:26
  and
• 12:26
  we
• 12:27
  just
• 12:27
  ask
• 12:27
  that
• 12:27
  you
• 12:27
  would
• 12:27
  give
• 12:27
  us
• 12:28
  wisdom
• 12:28
  right
• 12:28
  now
• 12:29
  and
• 12:29
  peace
• 12:29
  for
• 12:30
  this
• 12:30
  moment.
• 12:31
  Help
• 12:31
  us
• 12:31
  to
• 12:31
  choose
• 12:32
  a
• 12:32
  simple
• 12:32
  plan
• 12:32
  and
• 12:33
  release
• 12:33
  that
• 12:33
  shame
• 12:34
  and
• 12:34
  release
• 12:34
  that
• 12:34
  fear
• 12:35
  and
• 12:35
  attention
• 12:35
  that
• 12:36
  we
• 12:36
  feel,
• 12:36
  Lord,
• 12:37
  and
• 12:37
  strengthen
• 12:37
  us
• 12:38
  when
• 12:38
  we
• 12:38
  feel
• 12:38
  stretched.
• 12:39
  And
• 12:39
  help
• 12:39
  us
• 12:40
  to
• 12:40
  be
• 12:40
  our
• 12:40
  guide,
• 12:41
  to
• 12:41
  make
• 12:41
  us
• 12:41
  calm,
• 12:42
  Lord,
• 12:42
  and
• 12:42
  make
• 12:42
  clear
• 12:43
  decisions
• 12:43
  with
• 12:44
  what
• 12:44
  you've
• 12:44
  provided
• 12:45
  for
• 12:45
  us
• 12:45
  already,
• 12:45
  what
• 12:45
  we
• 12:46
  really
• 12:46
  have.
• 12:47
  Teach
• 12:47
  us
• 12:48
  to
• 12:48
  trust
• 12:48
  you,
• 12:48
  Lord,
• 12:49
  with
• 12:49
  everything
• 12:49
  you've
• 12:49
  given
• 12:50
  in
• 12:50
  our
• 12:50
  home
• 12:50
  and
• 12:51
  even
• 12:51
  on
• 12:51
  our
• 12:51
  table.
• 12:52
  Something
• 12:52
  simple
• 12:52
  like
• 12:52
  that.
• 12:53
  And
• 12:53
  our
• 12:53
  choices,
• 12:54
  Lord,
• 12:54
  and
• 12:54
  just
• 12:54
  give
• 12:55
  us
• 12:55
  that
• 12:55
  grace
• 12:55
  and
• 12:56
  that
• 12:56
  mercy
• 12:56
  one
• 12:57
  grocery
• 12:57
  trip
• 12:57
  at
• 12:58
  a
• 12:58
  time.
• 12:58
  And
• 12:59
  we
• 12:59
  ask
• 12:59
  this
• 13:00
  in
• 13:00
  Jesus
• 13:00
  name.
• 13:01
  Amen.
• 13:03
  Well,
• 13:03
  let
• 13:03
  me
• 13:03
  encourage
• 13:03
  you,
• 13:04
  friend.
• 13:04
  Right
• 13:04
  now
• 13:04
  you
• 13:04
  can
• 13:05
  care
• 13:05
  for
• 13:05
  your
• 13:05
  family
• 13:06
  and
• 13:06
  protect
• 13:07
  your
• 13:07
  peace
• 13:07
  at
• 13:08
  the
• 13:08
  same
• 13:08
  time.
• 13:08
  Yes,
• 13:08
  you
• 13:09
  can
• 13:09
  do
• 13:09
  both
• 13:09
  things.
• 13:11
  And
• 13:11
  if
• 13:11
  you've
• 13:11
  got
• 13:11
  a
• 13:11
  question
• 13:12
  for
• 13:12
  the
• 13:12
  show,
• 13:12
  I
• 13:12
  would
• 13:12
  love
• 13:13
  to
• 13:13
  hear
• 13:13
  from
• 13:13
  you.
• 13:13
  That's
• 13:13
  what
• 13:13
  really
• 13:14
  drives
• 13:14
  me
• 13:14
  on
• 13:15
  the
• 13:15
  show.
• 13:15
  If
• 13:15
  you've
• 13:16
  got
• 13:16
  a
• 13:16
  question,
• 13:16
  it's
• 13:17
  really
• 13:17
  simple.
• 13:17
  Go
• 13:18
  to
• 13:18
  financiallyconfidentchristian.com/question
• 13:21
  i'll
• 13:21
  put
• 13:21
  that
• 13:22
  in
• 13:22
  the
• 13:22
  show
• 13:22
  notes,
• 13:23
  but
• 13:23
  it's
• 13:23
  financiallyconfidentChristian.com/question
• 13:27
  because
• 13:27
  that's
• 13:28
  what
• 13:28
  feeds
• 13:28
  me.
• 13:29
  That's
• 13:29
  what
• 13:29
  gets
• 13:29
  me
• 13:29
  up
• 13:30
  in
• 13:30
  the
• 13:30
  morning.
• 13:30
  That's
• 13:30
  why
• 13:30
  I
• 13:30
  do
• 13:31
  this
• 13:31
  show.
• 13:31
  And
• 13:32
  if
• 13:32
  you're
• 13:32
  getting
• 13:32
  value
• 13:32
  from
• 13:33
  the
• 13:33
  show,
• 13:33
  do
• 13:33
  me
• 13:33
  a
• 13:34
  favor.
• 13:34
  Go
• 13:34
  out
• 13:35
  and
• 13:35
  put
• 13:35
  a
• 13:35
  review
• 13:35
  on
• 13:36
  our
• 13:36
  website.
• 13:36
  You
• 13:36
  can
• 13:37
  go
• 13:37
  right
• 13:37
  to
• 13:37
  financiallyconfidentchristian.com/question
• 13:39
  there's
• 13:40
  a
• 13:40
  button
• 13:40
  out
• 13:40
  there
• 13:40
  that
• 13:40
  says
• 13:40
  review.
• 13:41
  I
• 13:41
  would
• 13:41
  love
• 13:41
  to
• 13:41
  hear
• 13:41
  from
• 13:42
  you.
• 13:42
  Tell
• 13:42
  me
• 13:42
  about
• 13:43
  how
• 13:43
  the
• 13:43
  show
• 13:43
  is
• 13:44
  impacting
• 13:44
  you,
• 13:45
  how
• 13:45
  it's
• 13:45
  making
• 13:45
  you
• 13:46
  stronger.
• 13:46
  If
• 13:46
  there's
• 13:46
  something
• 13:47
  you
• 13:47
  want
• 13:47
  me
• 13:47
  to
• 13:47
  talk
• 13:47
  about
• 13:47
  on
• 13:48
  this
• 13:48
  show,
• 13:48
  put
• 13:48
  it
• 13:48
  right
• 13:49
  there,
• 13:49
  because
• 13:49
  I
• 13:49
  love
• 13:49
  your
• 13:50
  feedback.
• 13:51
  So
• 13:51
  as
• 13:51
  I
• 13:51
  always
• 13:51
  close
• 13:52
  the
• 13:52
  show,
• 13:53
  stay
• 13:53
  financially
• 13:54
  savvy.
• 13:54
  Hey,
• 13:54
  especially
• 13:54
  with
• 13:55
  the
• 13:55
  grocery
• 13:55
  budget
• 13:55
  this
• 13:56
  week.
• 13:56
  God
• 13:57
  bless
• 13:57
  you.
• 13:57
  And
• 13:57
  you
• 13:58
  have
• 13:58
  a
• 13:58
  great
• 13:58
  day
• 13:58
  today.