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How Do I Stop Overdraft and Late Fees Fast? · Becoming Financially Confident

• 0:37
  What's
• 0:37
  the
• 0:38
  first
• 0:38
  thing
• 0:38
  you
• 0:38
  do
• 0:39
  if
• 0:39
  something's
• 0:40
  bleeding?
• 0:41
  You
• 0:42
  don't
• 0:42
  start
• 0:42
  with
• 0:42
  long
• 0:42
  term
• 0:43
  wellness
• 0:43
  at
• 0:43
  that
• 0:43
  point,
• 0:43
  do
• 0:44
  you?
• 0:45
  You
• 0:45
  stop
• 0:45
  the
• 0:45
  bleeding
• 0:46
  first.
• 0:47
  You're
• 0:48
  calm,
• 0:49
  you're
• 0:49
  clear,
• 0:50
  step
• 0:51
  by
• 0:51
  step
• 0:51
  and
• 0:51
  methodical.
• 0:53
  Let
• 0:53
  me
• 0:53
  ask
• 0:54
  you
• 0:54
  this.
• 0:54
  Do
• 0:54
  you
• 0:54
  ever
• 0:55
  feel
• 0:55
  like
• 0:55
  you're
• 0:55
  being
• 0:55
  punished
• 0:56
  for
• 0:56
  being
• 0:56
  broke?
• 0:58
  It's
• 0:58
  not
• 0:58
  just
• 0:59
  that
• 0:59
  $35
• 1:00
  overdraft
• 1:00
  fee.
• 1:02
  It's
• 1:02
  the
• 1:02
  humiliation,
• 1:04
  it's
• 1:04
  the
• 1:04
  frustration.
• 1:06
  It's
• 1:07
  that
• 1:07
  feeling
• 1:07
  of
• 1:07
  I
• 1:08
  can't
• 1:08
  get
• 1:08
  my
• 1:08
  head
• 1:08
  above
• 1:09
  water.
• 1:10
  And
• 1:11
  the
• 1:11
  worst
• 1:11
  part,
• 1:12
  the
• 1:13
  fee
• 1:13
  hits
• 1:13
  you,
• 1:14
  and
• 1:15
  now
• 1:15
  you're
• 1:15
  more
• 1:15
  behind
• 1:15
  than
• 1:16
  you
• 1:16
  were
• 1:16
  before.
• 1:18
  If
• 1:18
  overdrafts
• 1:19
  and
• 1:19
  late
• 1:19
  fees
• 1:20
  are
• 1:20
  eating
• 1:20
  your
• 1:20
  paycheck,
• 1:21
  today's
• 1:22
  about
• 1:22
  stopping
• 1:23
  the
• 1:23
  bleeding
• 1:24
  and
• 1:24
  stopping
• 1:25
  it
• 1:25
  fast.
• 1:47
  Hey,
• 1:48
  friend.
• 1:48
  Ralph
• 1:48
  Estep
• 1:49
  Jr.
• 1:49
  Here,
• 1:50
  this
• 1:50
  is
• 1:50
  Financially
• 1:51
  Confident
• 1:51
  Christian,
• 1:52
  where
• 1:52
  we're
• 1:53
  breaking
• 1:53
  the
• 1:53
  cycle
• 1:54
  of
• 1:54
  financial
• 1:54
  shame
• 1:55
  and
• 1:56
  doing
• 1:56
  it
• 1:56
  with
• 1:56
  confidence.
• 1:58
  And
• 1:58
  today
• 1:58
  we're
• 1:58
  going
• 1:58
  to
• 1:59
  talk
• 1:59
  about
• 1:59
  how
• 1:59
  to
• 1:59
  stop
• 1:59
  overdrafts
• 2:00
  and
• 2:01
  late
• 2:01
  feasts.
• 2:01
  Quickly,
• 2:03
  let's
• 2:03
  get
• 2:03
  right
• 2:03
  into
• 2:03
  today's
• 2:04
  listener
• 2:04
  question.
• 2:06
  I
• 2:06
  can't
• 2:06
  keep
• 2:07
  up
• 2:07
  with
• 2:07
  all
• 2:07
  these
• 2:07
  fees.
• 2:09
  It
• 2:09
  feels
• 2:09
  like
• 2:09
  every
• 2:10
  time
• 2:10
  I
• 2:10
  turn
• 2:10
  around,
• 2:10
  there's
• 2:11
  another
• 2:11
  $35
• 2:12
  overdraft
• 2:13
  fee
• 2:13
  or
• 2:13
  a
• 2:13
  late
• 2:13
  charge
• 2:14
  hit
• 2:14
  in
• 2:14
  my
• 2:14
  account.
• 2:16
  I'm
• 2:16
  drowning.
• 2:17
  And
• 2:18
  it's
• 2:18
  so
• 2:18
  discouraging
• 2:19
  to
• 2:19
  see
• 2:19
  my
• 2:20
  money
• 2:20
  disappear
• 2:20
  on
• 2:21
  mistakes
• 2:21
  and
• 2:21
  penalties
• 2:22
  instead
• 2:23
  of
• 2:23
  going
• 2:23
  towards
• 2:23
  something
• 2:24
  that
• 2:24
  matters.
• 2:25
  I
• 2:26
  need
• 2:26
  help
• 2:26
  now.
• 2:28
  What's
• 2:28
  the
• 2:28
  easiest
• 2:28
  system
• 2:29
  I
• 2:29
  can
• 2:29
  set
• 2:29
  up
• 2:29
  this
• 2:30
  week
• 2:30
  to
• 2:31
  stop
• 2:31
  this
• 2:31
  cycle?
• 2:33
  Thank
• 2:34
  you
• 2:34
  so
• 2:34
  much
• 2:34
  for
• 2:34
  sending
• 2:35
  in
• 2:35
  that
• 2:35
  question.
• 2:36
  Because
• 2:37
  the
• 2:37
  truth
• 2:37
  is,
• 2:38
  fees
• 2:38
  stop
• 2:39
  when
• 2:39
  your
• 2:39
  money
• 2:40
  has
• 2:40
  a
• 2:40
  simple
• 2:40
  lane
• 2:41
  system
• 2:43
  and
• 2:43
  your
• 2:43
  bills
• 2:44
  have
• 2:44
  a
• 2:44
  single
• 2:45
  calendar.
• 2:46
  So
• 2:46
  let's
• 2:47
  talk
• 2:47
  about
• 2:47
  how
• 2:47
  to
• 2:47
  break
• 2:47
  free
• 2:48
  of
• 2:48
  this
• 2:48
  cycle
• 2:49
  once
• 2:49
  and
• 2:49
  for
• 2:49
  all.
• 2:50
  Now,
• 2:51
  I'm
• 2:51
  going
• 2:51
  to
• 2:51
  say
• 2:51
  something
• 2:52
  sort
• 2:52
  of
• 2:52
  counterintuitive
• 2:53
  at
• 2:53
  the
• 2:53
  beginning.
• 2:54
  Number
• 2:54
  one
• 2:55
  thing
• 2:55
  I
• 2:55
  want
• 2:55
  you
• 2:55
  to
• 2:55
  do
• 2:56
  is
• 2:56
  turn
• 2:56
  off
• 2:57
  overdraft
• 2:57
  coverage
• 2:58
  right
• 2:58
  away.
• 3:00
  And
• 3:00
  you
• 3:00
  might
• 3:00
  be
• 3:00
  saying,
• 3:00
  wait
• 3:01
  a
• 3:01
  minute,
• 3:01
  Ralph,
• 3:01
  I
• 3:01
  want
• 3:02
  these
• 3:02
  things
• 3:02
  to
• 3:02
  be
• 3:02
  overdraft.
• 3:04
  But
• 3:04
  listen,
• 3:05
  this
• 3:05
  is
• 3:05
  the
• 3:05
  fastest
• 3:06
  win.
• 3:07
  Call
• 3:07
  your
• 3:07
  bank,
• 3:08
  log
• 3:08
  in
• 3:09
  and
• 3:09
  do
• 3:09
  two
• 3:10
  things.
• 3:10
  Number
• 3:11
  one
• 3:11
  thing,
• 3:11
  disable
• 3:12
  overdraft
• 3:13
  coverage
• 3:13
  on
• 3:14
  your
• 3:14
  debit
• 3:14
  card
• 3:14
  purchases.
• 3:16
  If
• 3:16
  you
• 3:16
  have
• 3:17
  to
• 3:17
  opt
• 3:17
  out,
• 3:17
  opt
• 3:18
  out
• 3:19
  now.
• 3:19
  What
• 3:19
  does
• 3:19
  this
• 3:19
  mean?
• 3:20
  It
• 3:20
  means
• 3:20
  that
• 3:20
  transactions
• 3:21
  are
• 3:21
  going
• 3:21
  to
• 3:21
  get
• 3:21
  declined
• 3:22
  instead
• 3:22
  of
• 3:22
  approving
• 3:23
  them
• 3:23
  with
• 3:23
  a
• 3:23
  fee.
• 3:25
  And
• 3:25
  yes,
• 3:26
  you
• 3:26
  might
• 3:26
  feel
• 3:26
  a
• 3:26
  little
• 3:27
  embarrassed.
• 3:28
  But
• 3:29
  listen,
• 3:29
  one
• 3:30
  declined
• 3:30
  transaction
• 3:31
  is
• 3:32
  cheaper
• 3:32
  than
• 3:32
  five
• 3:32
  overdraft
• 3:33
  fees.
• 3:35
  I
• 3:35
  had
• 3:35
  a
• 3:35
  client
• 3:35
  not
• 3:36
  too
• 3:36
  long
• 3:36
  ago,
• 3:36
  they
• 3:37
  wanted
• 3:37
  to
• 3:37
  buy
• 3:37
  something
• 3:38
  for
• 3:38
  $5.
• 3:39
  Their
• 3:40
  account
• 3:40
  was
• 3:40
  short.
• 3:41
  The
• 3:42
  bank
• 3:42
  paid
• 3:42
  it
• 3:42
  for
• 3:43
  $5
• 3:43
  and
• 3:43
  charged
• 3:44
  them
• 3:44
  $35
• 3:45
  fee.
• 3:45
  They
• 3:45
  just
• 3:45
  paid
• 3:46
  $40
• 3:46
  for
• 3:47
  a
• 3:47
  $5
• 3:48
  purchase.
• 3:50
  Second
• 3:50
  thing
• 3:50
  I
• 3:51
  want
• 3:51
  to
• 3:51
  encourage
• 3:51
  you
• 3:51
  to
• 3:51
  do
• 3:52
  is
• 3:52
  create
• 3:53
  a
• 3:53
  hundred
• 3:53
  dollar
• 3:54
  cushion
• 3:54
  and
• 3:55
  treat
• 3:55
  it
• 3:55
  like
• 3:55
  it's
• 3:55
  not
• 3:56
  yours.
• 3:58
  If
• 3:58
  you've
• 3:58
  listened
• 3:58
  to
• 3:58
  me
• 3:58
  for
• 3:59
  a
• 3:59
  while,
• 3:59
  you
• 3:59
  know,
• 3:59
  I
• 3:59
  used
• 3:59
  to
• 3:59
  run
• 4:00
  a
• 4:00
  credit
• 4:00
  union.
• 4:00
  I
• 4:01
  was
• 4:01
  an
• 4:01
  executive
• 4:01
  vice
• 4:02
  president.
• 4:02
  One
• 4:03
  of
• 4:03
  the
• 4:03
  things
• 4:03
  that
• 4:03
  I
• 4:04
  trained
• 4:04
  all
• 4:04
  of
• 4:05
  our
• 4:05
  people
• 4:05
  with
• 4:06
  is
• 4:06
  encourage
• 4:07
  our
• 4:07
  members
• 4:07
  to
• 4:07
  put
• 4:07
  $100
• 4:08
  in
• 4:09
  their
• 4:09
  savings
• 4:09
  account
• 4:10
  and
• 4:10
  never
• 4:11
  spend
• 4:11
  it.
• 4:12
  Just
• 4:12
  assume
• 4:13
  it
• 4:13
  wasn't
• 4:13
  there.
• 4:14
  Because
• 4:15
  you
• 4:15
  don't
• 4:15
  need
• 4:15
  a
• 4:15
  full
• 4:15
  emergency
• 4:16
  fund
• 4:16
  to
• 4:16
  stop
• 4:17
  fees.
• 4:17
  You
• 4:17
  just
• 4:17
  need
• 4:18
  a
• 4:18
  buffer.
• 4:19
  And
• 4:19
  you
• 4:19
  can
• 4:20
  build
• 4:20
  a
• 4:20
  buffer.
• 4:20
  Start
• 4:21
  with
• 4:21
  $25
• 4:22
  this
• 4:22
  week
• 4:23
  and
• 4:23
  then
• 4:23
  add
• 4:23
  $25
• 4:24
  the
• 4:24
  next
• 4:25
  week
• 4:25
  until
• 4:26
  you
• 4:26
  hit
• 4:26
  $100.
• 4:28
  And
• 4:28
  then
• 4:28
  once
• 4:29
  you
• 4:29
  hit
• 4:29
  it,
• 4:30
  play
• 4:30
  a
• 4:30
  game
• 4:30
  of
• 4:30
  pretend.
• 4:31
  Pretend
• 4:32
  it
• 4:32
  doesn't
• 4:32
  even
• 4:32
  exist.
• 4:34
  Because
• 4:34
  that
• 4:34
  cushion
• 4:34
  prevents
• 4:35
  that
• 4:35
  one
• 4:35
  small
• 4:36
  mist
• 4:36
  timing
• 4:36
  from
• 4:37
  turning
• 4:37
  into
• 4:37
  a
• 4:37
  fee
• 4:38
  spiral.
• 4:39
  Here's
• 4:40
  another
• 4:40
  thing
• 4:40
  I'm
• 4:40
  going
• 4:40
  to
• 4:40
  encourage
• 4:41
  you
• 4:41
  to
• 4:41
  do.
• 4:42
  Set
• 4:42
  up
• 4:43
  a
• 4:43
  two
• 4:43
  account
• 4:43
  system.
• 4:45
  I
• 4:45
  talked
• 4:45
  earlier
• 4:45
  about
• 4:46
  simple
• 4:46
  liens.
• 4:47
  I
• 4:47
  love
• 4:47
  this
• 4:47
  approach.
• 4:48
  Have
• 4:49
  two
• 4:49
  accounts.
• 4:50
  Have
• 4:50
  a
• 4:50
  bills
• 4:50
  account
• 4:51
  and
• 4:51
  a
• 4:52
  spending
• 4:52
  account.
• 4:53
  Here's
• 4:53
  how
• 4:53
  it
• 4:54
  works.
• 4:54
  When
• 4:54
  your
• 4:55
  income
• 4:55
  lands
• 4:56
  the
• 4:56
  bill,
• 4:56
  money
• 4:57
  moves
• 4:57
  to
• 4:57
  the
• 4:58
  bills
• 4:58
  account.
• 4:59
  Everything
• 5:00
  else
• 5:00
  goes
• 5:00
  into
• 5:00
  the
• 5:01
  spending
• 5:01
  account.
• 5:02
  That
• 5:02
  way
• 5:03
  when
• 5:03
  you
• 5:03
  swipe
• 5:03
  your
• 5:04
  card,
• 5:04
  you're
• 5:05
  not
• 5:05
  gambling
• 5:05
  with
• 5:05
  your
• 5:06
  rent
• 5:06
  money.
• 5:07
  You
• 5:07
  know
• 5:08
  what's
• 5:08
  available
• 5:09
  and
• 5:09
  you
• 5:09
  never
• 5:10
  get
• 5:10
  in
• 5:10
  that
• 5:10
  position
• 5:10
  where
• 5:11
  you've
• 5:11
  got
• 5:11
  a
• 5:11
  check
• 5:11
  out
• 5:12
  standing
• 5:12
  or
• 5:12
  an
• 5:13
  automatic
• 5:13
  bill
• 5:14
  payment.
• 5:15
  This
• 5:15
  is
• 5:15
  one
• 5:15
  of
• 5:15
  the
• 5:15
  fastest
• 5:16
  ways
• 5:16
  that
• 5:16
  I
• 5:17
  can
• 5:17
  tell
• 5:17
  you
• 5:17
  to
• 5:17
  stop
• 5:17
  those
• 5:18
  overdrafts.
• 5:20
  But
• 5:20
  in
• 5:20
  order
• 5:20
  to
• 5:20
  do
• 5:21
  that,
• 5:21
  you
• 5:21
  gotta
• 5:22
  have
• 5:22
  a
• 5:22
  little
• 5:22
  exposure.
• 5:23
  You
• 5:23
  gotta
• 5:23
  have
• 5:23
  an
• 5:23
  understanding
• 5:24
  of
• 5:24
  what
• 5:24
  you're
• 5:24
  doing.
• 5:25
  So
• 5:26
  put
• 5:26
  every
• 5:26
  bill
• 5:27
  on
• 5:27
  one
• 5:27
  list
• 5:28
  and
• 5:28
  one
• 5:29
  date
• 5:29
  checklist.
• 5:31
  Here's
• 5:31
  what
• 5:31
  I
• 5:31
  found.
• 5:32
  Late
• 5:32
  fees
• 5:33
  happen
• 5:33
  when
• 5:33
  bills
• 5:33
  live
• 5:34
  in
• 5:34
  12
• 5:34
  different
• 5:34
  places.
• 5:36
  So
• 5:36
  do
• 5:36
  this.
• 5:37
  This
• 5:37
  will
• 5:37
  save
• 5:38
  you.
• 5:38
  Make
• 5:38
  a
• 5:39
  single
• 5:39
  list
• 5:40
  and
• 5:40
  on
• 5:40
  that
• 5:40
  list
• 5:40
  write
• 5:41
  the
• 5:41
  bill.
• 5:41
  Name
• 5:42
  the
• 5:42
  due
• 5:42
  date,
• 5:43
  the
• 5:43
  minimum
• 5:44
  payment,
• 5:44
  and
• 5:45
  then
• 5:45
  tell
• 5:45
  us
• 5:45
  if
• 5:45
  it's
• 5:46
  auto
• 5:46
  pay,
• 5:46
  yes
• 5:47
  or
• 5:47
  no.
• 5:48
  And
• 5:48
  then
• 5:48
  what
• 5:48
  I
• 5:48
  want
• 5:49
  you
• 5:49
  to
• 5:49
  do
• 5:49
  is
• 5:49
  to
• 5:49
  pick
• 5:49
  two
• 5:50
  money
• 5:50
  days
• 5:50
  every
• 5:51
  week
• 5:52
  could
• 5:52
  be
• 5:52
  Monday,
• 5:53
  Thursday.
• 5:54
  And
• 5:54
  on
• 5:55
  those
• 5:55
  days
• 5:56
  you
• 5:56
  check
• 5:56
  the
• 5:56
  list
• 5:57
  and
• 5:57
  pay
• 5:57
  what's
• 5:58
  due.
• 5:59
  When
• 5:59
  you
• 5:59
  do
• 5:59
  that,
• 6:00
  you're
• 6:00
  not
• 6:01
  panicked.
• 6:02
  You're
• 6:02
  not
• 6:02
  doing
• 6:02
  it
• 6:02
  every
• 6:03
  day.
• 6:03
  It's
• 6:03
  twice
• 6:03
  a
• 6:03
  week.
• 6:04
  And
• 6:04
  you're
• 6:05
  building
• 6:05
  that
• 6:05
  rhythm.
• 6:06
  And
• 6:06
  that
• 6:07
  rhythm
• 6:07
  prevents
• 6:08
  late
• 6:08
  fees.
• 6:09
  Here's
• 6:10
  another
• 6:10
  pro
• 6:10
  tip.
• 6:11
  A
• 6:11
  lot
• 6:11
  of
• 6:11
  people
• 6:11
  don't
• 6:11
  think
• 6:11
  about
• 6:12
  this
• 6:12
  one.
• 6:13
  Ask
• 6:13
  for
• 6:13
  fee
• 6:14
  reversals.
• 6:15
  If
• 6:16
  you
• 6:16
  don't
• 6:16
  ask,
• 6:16
  you're
• 6:16
  never
• 6:16
  going
• 6:17
  to
• 6:17
  get
• 6:17
  it.
• 6:18
  And
• 6:18
  negotiate
• 6:19
  those
• 6:19
  due
• 6:19
  dates.
• 6:21
  Many
• 6:21
  banks
• 6:22
  and
• 6:22
  credit
• 6:22
  card
• 6:22
  companies
• 6:23
  are
• 6:23
  actually
• 6:24
  going
• 6:24
  to
• 6:24
  reverse
• 6:24
  Those
• 6:25
  fees,
• 6:25
  if
• 6:25
  you
• 6:25
  ask
• 6:25
  them,
• 6:26
  all
• 6:26
  you've
• 6:26
  got
• 6:26
  to
• 6:26
  do
• 6:26
  is
• 6:26
  call
• 6:27
  them,
• 6:27
  do
• 6:27
  a
• 6:28
  chat
• 6:28
  with
• 6:28
  them.
• 6:29
  Especially
• 6:29
  if
• 6:29
  you've
• 6:29
  been
• 6:30
  a
• 6:30
  customer
• 6:30
  for
• 6:30
  a
• 6:30
  long
• 6:31
  time,
• 6:32
  you
• 6:32
  can
• 6:32
  call
• 6:32
  them
• 6:32
  and
• 6:33
  saying
• 6:33
  things
• 6:33
  like,
• 6:33
  I'm
• 6:34
  working
• 6:34
  on
• 6:34
  stopping
• 6:34
  this
• 6:35
  cycle.
• 6:35
  Can
• 6:36
  you
• 6:36
  waive
• 6:36
  these
• 6:36
  fees
• 6:37
  as
• 6:37
  a
• 6:37
  one
• 6:37
  time
• 6:37
  courtesy?
• 6:39
  Most
• 6:39
  of
• 6:39
  the
• 6:39
  time
• 6:39
  they
• 6:40
  will.
• 6:40
  I'm
• 6:40
  going
• 6:40
  to
• 6:40
  be
• 6:40
  honest
• 6:41
  with
• 6:41
  you,
• 6:41
  if
• 6:41
  this
• 6:41
  is
• 6:41
  an
• 6:41
  every
• 6:42
  month
• 6:42
  thing,
• 6:42
  you're
• 6:43
  probably
• 6:43
  not
• 6:43
  going
• 6:43
  to
• 6:43
  get
• 6:44
  anywhere
• 6:44
  with
• 6:44
  them.
• 6:44
  You
• 6:45
  got
• 6:45
  a
• 6:45
  system
• 6:45
  problem
• 6:46
  you
• 6:46
  got
• 6:46
  to
• 6:46
  fix.
• 6:47
  But
• 6:48
  maybe
• 6:48
  the
• 6:48
  issue
• 6:48
  is
• 6:48
  not
• 6:49
  that,
• 6:49
  it's
• 6:49
  that
• 6:50
  all
• 6:50
  your
• 6:50
  bills
• 6:50
  are
• 6:51
  due
• 6:51
  the
• 6:51
  same
• 6:51
  date.
• 6:52
  Reach
• 6:52
  out
• 6:53
  to
• 6:53
  your
• 6:53
  creditors,
• 6:54
  ask
• 6:54
  them
• 6:54
  to
• 6:55
  change
• 6:55
  the
• 6:55
  due
• 6:55
  dates.
• 6:55
  They
• 6:56
  are
• 6:56
  usually
• 6:57
  super
• 6:57
  cooperative
• 6:58
  that
• 6:59
  match
• 6:59
  it.
• 6:59
  When
• 6:59
  you
• 6:59
  actually
• 7:00
  get
• 7:00
  paid,
• 7:00
  if
• 7:01
  you
• 7:01
  get
• 7:01
  paid
• 7:01
  weekly,
• 7:02
  match
• 7:02
  some
• 7:03
  things
• 7:03
  up
• 7:03
  weekly.
• 7:04
  If
• 7:04
  you
• 7:04
  get
• 7:04
  paid
• 7:04
  bi
• 7:05
  weekly,
• 7:05
  match
• 7:06
  some
• 7:06
  things
• 7:06
  up
• 7:06
  there.
• 7:07
  If
• 7:07
  you've
• 7:08
  got
• 7:08
  some
• 7:08
  heavy
• 7:08
  bills
• 7:09
  at
• 7:09
  the
• 7:09
  beginning
• 7:09
  of
• 7:09
  the
• 7:09
  month,
• 7:10
  see
• 7:10
  if
• 7:10
  you
• 7:10
  can
• 7:10
  shuffle
• 7:11
  those
• 7:11
  to
• 7:11
  the
• 7:11
  end
• 7:11
  of
• 7:11
  the
• 7:12
  month.
• 7:12
  Because
• 7:13
  when
• 7:13
  you
• 7:13
  have
• 7:13
  that
• 7:14
  alignment,
• 7:15
  it
• 7:15
  reduces
• 7:15
  those
• 7:16
  late
• 7:16
  fees
• 7:16
  more
• 7:17
  than
• 7:17
  motivation
• 7:17
  ever
• 7:18
  will.
• 7:19
  As
• 7:19
  I
• 7:20
  said
• 7:20
  at
• 7:20
  the
• 7:20
  beginning,
• 7:21
  stop
• 7:22
  the
• 7:22
  bleeding
• 7:23
  first
• 7:24
  and
• 7:24
  then
• 7:24
  build
• 7:25
  some
• 7:25
  strength.
• 7:26
  Here's
• 7:27
  today's
• 7:27
  win
• 7:27
  for
• 7:27
  you.
• 7:28
  Today
• 7:28
  I
• 7:29
  want
• 7:29
  you
• 7:29
  to
• 7:29
  do
• 7:29
  just
• 7:29
  one
• 7:30
  thing.
• 7:31
  Turn
• 7:31
  off
• 7:31
  overdraft
• 7:32
  coverage
• 7:33
  and
• 7:33
  then
• 7:33
  start
• 7:34
  that
• 7:34
  $100
• 7:35
  cushion
• 7:35
  with
• 7:35
  whatever
• 7:36
  you
• 7:36
  can.
• 7:36
  Hey,
• 7:36
  listen,
• 7:37
  even
• 7:37
  if
• 7:37
  it's
• 7:37
  10
• 7:37
  bucks
• 7:39
  because
• 7:39
  the
• 7:39
  goal
• 7:40
  this
• 7:40
  week.
• 7:40
  And
• 7:40
  listen,
• 7:40
  the
• 7:41
  goal
• 7:41
  in
• 7:41
  this
• 7:41
  show
• 7:42
  is
• 7:42
  not
• 7:42
  perfection,
• 7:44
  it's
• 7:44
  protection.
• 7:46
  Let's
• 7:46
  get
• 7:46
  to
• 7:46
  today's
• 7:47
  Bible
• 7:47
  verse.
• 7:48
  Come
• 7:48
  list
• 7:48
  on
• 7:48
  the
• 7:48
  Book
• 7:49
  of
• 7:49
  James,
• 7:49
  chapter
• 7:50
  one,
• 7:50
  verse
• 7:51
  five.
• 7:52
  If
• 7:52
  any
• 7:52
  of
• 7:53
  you
• 7:53
  lacks
• 7:53
  wisdom,
• 7:54
  you
• 7:54
  should
• 7:55
  ask
• 7:55
  God
• 7:56
  who
• 7:56
  gives
• 7:56
  generously
• 7:57
  to
• 7:57
  all
• 7:57
  without
• 7:57
  finding
• 7:58
  fault.
• 7:59
  And
• 7:59
  it
• 8:00
  will
• 8:00
  be
• 8:00
  given
• 8:00
  to
• 8:00
  you,
• 8:02
  friend,
• 8:02
  you
• 8:03
  don't
• 8:03
  need
• 8:03
  more
• 8:03
  shame
• 8:04
  today.
• 8:05
  I
• 8:05
  get
• 8:06
  it.
• 8:06
  I've
• 8:06
  been
• 8:06
  in
• 8:06
  that
• 8:07
  position
• 8:07
  where
• 8:07
  I've
• 8:07
  had
• 8:08
  that,
• 8:08
  that,
• 8:08
  that
• 8:09
  $35
• 8:10
  fear.
• 8:10
  That
• 8:10
  transaction
• 8:11
  get
• 8:12
  canceled
• 8:12
  right
• 8:13
  in
• 8:13
  front
• 8:13
  of
• 8:13
  me
• 8:13
  and
• 8:13
  it's
• 8:14
  embarrassing.
• 8:14
  I
• 8:14
  get
• 8:14
  it.
• 8:16
  But
• 8:16
  I'm
• 8:16
  not
• 8:16
  here
• 8:16
  to
• 8:17
  shame
• 8:17
  you.
• 8:18
  You
• 8:18
  need
• 8:18
  wisdom.
• 8:20
  You
• 8:20
  need
• 8:20
  a
• 8:20
  system.
• 8:21
  And
• 8:22
  the
• 8:22
  cool
• 8:22
  thing
• 8:22
  is
• 8:23
  what
• 8:23
  scripture
• 8:23
  tell
• 8:23
  us
• 8:24
  God
• 8:25
  gives
• 8:25
  us
• 8:25
  to
• 8:25
  us
• 8:26
  generously.
• 8:27
  How
• 8:27
  about
• 8:27
  we
• 8:28
  pray
• 8:28
  together,
• 8:29
  Father
• 8:29
  God,
• 8:30
  you
• 8:31
  see
• 8:31
  the
• 8:31
  pressure
• 8:31
  and
• 8:31
  the
• 8:32
  panic.
• 8:33
  You
• 8:33
  see
• 8:33
  how
• 8:33
  discouraging
• 8:34
  it
• 8:34
  feels
• 8:35
  to
• 8:35
  lose
• 8:35
  money
• 8:35
  to
• 8:36
  fees.
• 8:37
  So
• 8:37
  Lord,
• 8:37
  right
• 8:38
  now
• 8:38
  I
• 8:38
  ask
• 8:38
  that
• 8:38
  you
• 8:38
  would
• 8:39
  give
• 8:39
  my
• 8:39
  friend
• 8:39
  wisdom
• 8:40
  today.
• 8:41
  Break
• 8:41
  that
• 8:41
  feeling
• 8:42
  of
• 8:42
  guilt,
• 8:42
  that
• 8:43
  feeling
• 8:43
  a
• 8:43
  condemnation.
• 8:44
  Just
• 8:44
  give
• 8:44
  them
• 8:45
  wisdom,
• 8:45
  Lord.
• 8:46
  Help
• 8:46
  them
• 8:46
  make
• 8:47
  some
• 8:47
  simple
• 8:47
  changes
• 8:48
  that
• 8:48
  protect
• 8:48
  them
• 8:48
  this
• 8:49
  very
• 8:49
  week.
• 8:50
  Give
• 8:50
  them
• 8:51
  courage
• 8:51
  to
• 8:51
  face
• 8:52
  the
• 8:52
  numbers.
• 8:53
  Give
• 8:53
  them
• 8:53
  clarity
• 8:54
  to
• 8:54
  set
• 8:54
  up
• 8:54
  a
• 8:55
  system.
• 8:55
  And
• 8:55
  Father,
• 8:55
  I
• 8:56
  pray
• 8:56
  that
• 8:56
  you
• 8:56
  will
• 8:57
  provide
• 8:57
  open
• 8:57
  doors,
• 8:59
  bring
• 8:59
  stability
• 9:00
  to
• 9:00
  them
• 9:01
  and
• 9:01
  bring
• 9:01
  them
• 9:01
  peace.
• 9:03
  We
• 9:03
  just
• 9:03
  thank
• 9:03
  you
• 9:04
  so
• 9:04
  much
• 9:04
  for
• 9:04
  what
• 9:04
  you
• 9:05
  give
• 9:05
  us
• 9:05
  and
• 9:06
  you
• 9:06
  give
• 9:06
  wisdom
• 9:06
  generously
• 9:07
  without
• 9:08
  ever
• 9:08
  finding
• 9:08
  fault
• 9:09
  in
• 9:09
  us.
• 9:09
  And
• 9:09
  we
• 9:09
  ask
• 9:09
  this
• 9:10
  in
• 9:10
  Jesus
• 9:10
  name,
• 9:12
  Amen.
• 9:13
  I
• 9:14
  just
• 9:14
  want
• 9:14
  to
• 9:14
  encourage
• 9:14
  you
• 9:15
  friend.
• 9:16
  You're
• 9:16
  not
• 9:16
  bad
• 9:16
  with
• 9:17
  money.
• 9:18
  You
• 9:18
  just
• 9:19
  need
• 9:19
  a
• 9:19
  better
• 9:19
  system.
• 9:21
  If
• 9:21
  you've
• 9:21
  got
• 9:22
  a
• 9:22
  question
• 9:22
  for
• 9:22
  this
• 9:22
  show,
• 9:22
  I
• 9:23
  would
• 9:23
  love
• 9:23
  to
• 9:23
  talk
• 9:23
  about
• 9:23
  it
• 9:24
  on
• 9:24
  the
• 9:24
  show.
• 9:25
  You
• 9:25
  can
• 9:25
  get
• 9:25
  to
• 9:25
  it
• 9:26
  by
• 9:26
  sending
• 9:26
  it
• 9:26
  to
• 9:26
  me
• 9:27
  at
• 9:27
  financiallyconfidentchristian.com/question
• 9:31
  when
• 9:31
  I
• 9:31
  give
• 9:31
  you
• 9:31
  that
• 9:31
  again,
• 9:32
  it'll
• 9:32
  be
• 9:32
  in
• 9:32
  the
• 9:33
  show
• 9:33
  notes.
• 9:33
  It's
• 9:34
  financiallyconfidentchristian.com/question.
• 9:38
  Thank
• 9:38
  you
• 9:38
  so
• 9:39
  much
• 9:39
  for
• 9:39
  joining
• 9:39
  me
• 9:39
  today.
• 9:40
  I
• 9:40
  just
• 9:40
  encourage
• 9:41
  you
• 9:41
  stay
• 9:42
  financially
• 9:42
  savvy.
• 9:43
  May
• 9:43
  God
• 9:44
  bless
• 9:44
  you
• 9:44
  and
• 9:45
  you
• 9:45
  have
• 9:45
  a
• 9:45
  great
• 9:46
  day
• 9:46
  today.