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Is Investing Only for the Rich? How to Start Small? · Becoming Financially Confident

• 0:37
  Got
• 0:37
  this
• 0:38
  listener
• 0:38
  question
• 0:38
  the
• 0:39
  other
• 0:39
  day
• 0:39
  and
• 0:39
  I
• 0:39
  just
• 0:39
  had
• 0:40
  to
• 0:40
  talk
• 0:40
  about
• 0:40
  that
• 0:40
  on
• 0:40
  today's
• 0:41
  show.
• 0:42
  Ralph,
• 0:42
  I've
• 0:43
  always
• 0:43
  thought
• 0:43
  investing
• 0:44
  was
• 0:44
  only
• 0:44
  for
• 0:44
  wealthy
• 0:45
  people.
• 0:45
  I
• 0:46
  don't
• 0:46
  have
• 0:46
  thousands
• 0:46
  of
• 0:46
  dollars
• 0:47
  lying
• 0:47
  around.
• 0:48
  Is
• 0:48
  there
• 0:48
  any
• 0:48
  way
• 0:49
  for
• 0:49
  someone
• 0:49
  like
• 0:49
  me
• 0:50
  to
• 0:50
  start?
• 0:50
  I
• 0:51
  thought
• 0:51
  that
• 0:51
  was
• 0:51
  a
• 0:51
  great
• 0:51
  question,
• 0:52
  someone
• 0:52
  like
• 0:53
  you,
• 0:53
  and
• 0:54
  maybe
• 0:54
  you're
• 0:54
  watching,
• 0:55
  listening
• 0:55
  right
• 0:55
  now,
• 0:55
  you're
• 0:55
  thinking,
• 0:56
  I'm
• 0:56
  thinking
• 0:56
  the
• 0:57
  same
• 0:57
  thing,
• 0:57
  Ralph.
• 0:58
  So
• 0:58
  today
• 0:58
  I'm
• 0:58
  going
• 0:59
  to
• 0:59
  talk
• 0:59
  about
• 0:59
  that.
• 1:00
  Today
• 1:00
  I'm
• 1:00
  going
• 1:00
  to
• 1:00
  talk
• 1:00
  about
• 1:00
  why
• 1:01
  investing
• 1:01
  is
• 1:01
  not
• 1:02
  for
• 1:02
  the
• 1:02
  rich.
• 1:03
  How
• 1:03
  ordinary
• 1:03
  people
• 1:04
  can
• 1:04
  start
• 1:04
  with
• 1:04
  just
• 1:05
  a
• 1:05
  small
• 1:05
  amount
• 1:06
  and
• 1:06
  how
• 1:06
  you
• 1:06
  can
• 1:07
  take
• 1:07
  that
• 1:07
  faithful
• 1:07
  step
• 1:08
  today
• 1:08
  without
• 1:09
  fear
• 1:09
  or
• 1:09
  shame.
• 1:10
  It's
• 1:10
  going
• 1:10
  to
• 1:10
  be
• 1:10
  a
• 1:10
  great
• 1:10
  show
• 1:11
  today.
• 1:13
  This
• 1:13
  is
• 1:13
  Financially
• 1:14
  Confident
• 1:14
  Christian,
• 1:15
  your
• 1:16
  daily
• 1:16
  dose
• 1:16
  of
• 1:16
  gospel,
• 1:17
  grounded
• 1:17
  insight
• 1:18
  and
• 1:18
  faith
• 1:18
  driven
• 1:19
  tips
• 1:19
  to
• 1:19
  help
• 1:19
  you
• 1:20
  break
• 1:20
  the
• 1:20
  cycle
• 1:20
  of
• 1:21
  financial
• 1:21
  shame
• 1:21
  with
• 1:22
  confidence.
• 1:25
  Hi
• 1:25
  there.
• 1:26
  Welcome
• 1:26
  back
• 1:26
  to
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:27
  I'm
• 1:28
  Ralph.
• 1:28
  I'm
• 1:28
  so
• 1:28
  happy
• 1:28
  that
• 1:29
  you've
• 1:29
  chosen
• 1:29
  to
• 1:29
  join
• 1:29
  me
• 1:30
  today
• 1:30
  with
• 1:30
  what
• 1:30
  a
• 1:30
  great
• 1:31
  question
• 1:31
  today.
• 1:32
  And
• 1:32
  I've
• 1:32
  spent
• 1:32
  30
• 1:33
  years
• 1:33
  helping
• 1:34
  families
• 1:34
  and
• 1:34
  business
• 1:34
  owners
• 1:35
  grow
• 1:35
  confident
• 1:35
  with
• 1:35
  money.
• 1:36
  And
• 1:36
  that's
• 1:36
  exactly
• 1:37
  what
• 1:37
  I
• 1:37
  intend
• 1:37
  to
• 1:37
  do
• 1:38
  today.
• 1:38
  And
• 1:39
  I've
• 1:39
  seen
• 1:39
  so
• 1:39
  many
• 1:40
  people
• 1:40
  over
• 1:40
  my
• 1:40
  career
• 1:41
  thought,
• 1:41
  hey,
• 1:41
  investing's
• 1:42
  not
• 1:42
  for
• 1:42
  me.
• 1:43
  But
• 1:43
  did
• 1:44
  you
• 1:44
  know
• 1:44
  you
• 1:44
  can
• 1:44
  start
• 1:44
  with
• 1:45
  just
• 1:45
  $25
• 1:46
  a
• 1:46
  month?
• 1:47
  And
• 1:47
  that
• 1:47
  is
• 1:47
  really
• 1:48
  true.
• 1:48
  You
• 1:48
  can
• 1:48
  start
• 1:48
  with
• 1:48
  just
• 1:49
  $25
• 1:50
  a
• 1:50
  month.
• 1:51
  And
• 1:52
  if
• 1:52
  you
• 1:52
  do
• 1:52
  it
• 1:52
  right,
• 1:52
  you
• 1:52
  can
• 1:53
  experience
• 1:53
  peace,
• 1:54
  you
• 1:54
  can
• 1:54
  experience
• 1:55
  hope
• 1:55
  and
• 1:55
  even
• 1:56
  build
• 1:56
  a
• 1:56
  legacy
• 1:56
  for
• 1:57
  somebody.
• 1:57
  Because
• 1:57
  this,
• 1:57
  friend,
• 1:58
  is
• 1:58
  not
• 1:58
  theory,
• 1:59
  this
• 2:00
  is
• 2:00
  real.
• 2:00
  And
• 2:00
  today
• 2:00
  I'm
• 2:00
  gonna
• 2:01
  tell
• 2:01
  you
• 2:01
  exactly
• 2:01
  how
• 2:01
  to
• 2:01
  do
• 2:02
  that.
• 2:02
  One
• 2:02
  of
• 2:03
  my
• 2:03
  clients
• 2:03
  told
• 2:03
  me
• 2:03
  not
• 2:04
  too
• 2:04
  long
• 2:04
  ago,
• 2:04
  she
• 2:04
  said,
• 2:05
  I
• 2:05
  thought
• 2:05
  investing
• 2:06
  was
• 2:06
  only
• 2:06
  for
• 2:06
  those
• 2:06
  six
• 2:07
  figure
• 2:07
  earners
• 2:07
  in
• 2:08
  suits.
• 2:08
  I
• 2:08
  said,
• 2:09
  I
• 2:09
  get
• 2:09
  it.
• 2:09
  That's
• 2:10
  what
• 2:10
  everybody
• 2:10
  thinks.
• 2:11
  You
• 2:11
  see
• 2:11
  these
• 2:12
  Wall
• 2:12
  street
• 2:12
  executives,
• 2:13
  these
• 2:14
  fancy
• 2:14
  suits
• 2:15
  with
• 2:15
  all
• 2:15
  kinds
• 2:15
  of
• 2:16
  funny
• 2:16
  text
• 2:17
  jargon
• 2:17
  and
• 2:18
  all
• 2:18
  this
• 2:18
  stuff
• 2:18
  that
• 2:18
  you
• 2:18
  don't
• 2:19
  even
• 2:19
  understand.
• 2:20
  And
• 2:20
  she
• 2:21
  said,
• 2:21
  Ralph,
• 2:21
  but
• 2:21
  then
• 2:21
  I
• 2:21
  took
• 2:22
  your
• 2:22
  advice.
• 2:22
  I
• 2:22
  started
• 2:22
  with
• 2:22
  just
• 2:23
  $25
• 2:24
  a
• 2:24
  month.
• 2:25
  And
• 2:25
  she
• 2:25
  said
• 2:25
  something
• 2:26
  to
• 2:26
  me
• 2:26
  which
• 2:26
  was
• 2:26
  just
• 2:26
  striking.
• 2:27
  She
• 2:27
  said
• 2:27
  that
• 2:27
  one
• 2:28
  little
• 2:28
  step,
• 2:29
  that
• 2:29
  one
• 2:29
  little
• 2:30
  step,
• 2:30
  Ralph,
• 2:30
  gave
• 2:31
  me
• 2:31
  hope.
• 2:31
  And
• 2:32
  truth
• 2:32
  is,
• 2:32
  I
• 2:32
  never
• 2:32
  looked
• 2:33
  back.
• 2:34
  And
• 2:34
  friend,
• 2:35
  that
• 2:35
  story
• 2:35
  could
• 2:36
  be
• 2:36
  yours
• 2:36
  today
• 2:36
  too.
• 2:37
  So
• 2:38
  let's
• 2:38
  break
• 2:38
  this
• 2:38
  down.
• 2:39
  Let's
• 2:39
  talk
• 2:39
  about
• 2:39
  why
• 2:40
  investing
• 2:40
  isn't
• 2:41
  for
• 2:41
  the
• 2:41
  ultra
• 2:41
  wealthy.
• 2:42
  It's
• 2:42
  for
• 2:43
  you
• 2:43
  and
• 2:43
  for
• 2:43
  everybody
• 2:44
  else
• 2:44
  with
• 2:44
  just
• 2:44
  $25
• 2:45
  a
• 2:45
  month,
• 2:45
  you
• 2:46
  can
• 2:46
  do
• 2:46
  this.
• 2:47
  The
• 2:47
  first
• 2:48
  thing
• 2:48
  I
• 2:48
  want
• 2:48
  to
• 2:48
  say
• 2:48
  is
• 2:48
  this.
• 2:49
  Investing
• 2:50
  is
• 2:50
  ownership.
• 2:51
  A
• 2:51
  lot
• 2:51
  of
• 2:51
  people
• 2:51
  think
• 2:51
  it's
• 2:52
  some
• 2:52
  level
• 2:52
  of
• 2:53
  elitism.
• 2:54
  And
• 2:54
  another
• 2:54
  thing
• 2:54
  I
• 2:54
  want
• 2:55
  to
• 2:55
  dispel
• 2:55
  right
• 2:55
  now.
• 2:56
  Investing
• 2:56
  isn't
• 2:57
  gambling.
• 2:57
  Now,
• 2:57
  if
• 2:57
  you're
• 2:58
  just
• 2:58
  throwing
• 2:58
  money
• 2:58
  out
• 2:58
  there
• 2:58
  and
• 2:59
  investments,
• 2:59
  you
• 2:59
  haven't
• 2:59
  done
• 2:59
  any
• 3:00
  research,
• 3:00
  maybe
• 3:01
  we
• 3:01
  could
• 3:01
  talk
• 3:01
  about
• 3:01
  gambling
• 3:02
  on
• 3:02
  another
• 3:02
  show.
• 3:02
  That
• 3:03
  could
• 3:03
  be
• 3:03
  true.
• 3:04
  It's
• 3:04
  not
• 3:04
  some
• 3:04
  rich
• 3:05
  people's
• 3:05
  club.
• 3:07
  Investing
• 3:08
  is
• 3:08
  no
• 3:08
  more
• 3:08
  complicated
• 3:09
  than
• 3:09
  this.
• 3:09
  It's
• 3:09
  just
• 3:10
  ownership.
• 3:11
  When
• 3:11
  you
• 3:11
  buy
• 3:11
  a
• 3:12
  stock
• 3:12
  or
• 3:12
  you
• 3:12
  buy
• 3:12
  some
• 3:13
  sort
• 3:13
  of
• 3:13
  mutual
• 3:14
  fund
• 3:14
  stock,
• 3:15
  you
• 3:15
  literally
• 3:15
  own
• 3:16
  a
• 3:16
  piece
• 3:16
  of
• 3:16
  the
• 3:16
  company.
• 3:17
  It's
• 3:17
  really
• 3:17
  that
• 3:18
  simple.
• 3:18
  Think
• 3:18
  of
• 3:18
  it
• 3:18
  this
• 3:18
  way.
• 3:19
  If
• 3:19
  you
• 3:19
  like
• 3:19
  to
• 3:19
  shop
• 3:20
  at
• 3:20
  Apple
• 3:20
  or
• 3:20
  you
• 3:21
  like
• 3:21
  to
• 3:21
  shop
• 3:21
  at
• 3:21
  Target,
• 3:22
  let's
• 3:22
  say
• 3:23
  you
• 3:23
  can
• 3:23
  also
• 3:24
  own
• 3:24
  a
• 3:24
  part
• 3:24
  of
• 3:24
  Apple
• 3:25
  or
• 3:25
  Target.
• 3:25
  They
• 3:25
  have
• 3:26
  stock
• 3:26
  that
• 3:26
  you
• 3:26
  can
• 3:27
  buy
• 3:27
  in
• 3:27
  those.
• 3:28
  And
• 3:28
  I
• 3:28
  love
• 3:28
  what
• 3:29
  Peter
• 3:29
  Marshall
• 3:29
  said.
• 3:30
  He
• 3:30
  said
• 3:31
  small
• 3:31
  deeds
• 3:31
  done
• 3:32
  are
• 3:32
  better
• 3:32
  than
• 3:32
  great
• 3:33
  deeds
• 3:33
  planned.
• 3:34
  And
• 3:34
  I
• 3:34
  think
• 3:35
  that's
• 3:35
  so
• 3:35
  profitable
• 3:35
  for
• 3:36
  us
• 3:36
  today.
• 3:36
  Just
• 3:37
  a
• 3:37
  small
• 3:37
  deed
• 3:37
  buying
• 3:38
  that
• 3:38
  small
• 3:39
  share
• 3:39
  of
• 3:39
  Apple
• 3:40
  or
• 3:40
  that
• 3:40
  small
• 3:40
  share
• 3:41
  of
• 3:41
  Target.
• 3:41
  Like
• 3:42
  I
• 3:42
  said,
• 3:42
  it
• 3:42
  could
• 3:42
  be
• 3:42
  as
• 3:42
  little
• 3:43
  as
• 3:43
  $25.
• 3:44
  Which
• 3:45
  leads
• 3:45
  me
• 3:45
  to
• 3:45
  my
• 3:45
  second
• 3:46
  point
• 3:46
  for
• 3:46
  today.
• 3:47
  You
• 3:47
  don't
• 3:47
  need
• 3:48
  thousands
• 3:48
  of
• 3:48
  dollars
• 3:49
  to
• 3:49
  begin.
• 3:50
  I've
• 3:50
  had
• 3:50
  so
• 3:50
  many
• 3:51
  people
• 3:51
  over
• 3:51
  the
• 3:51
  30
• 3:52
  years
• 3:52
  of
• 3:52
  my
• 3:52
  career
• 3:53
  say,
• 3:53
  well,
• 3:53
  Ralph,
• 3:53
  I
• 3:54
  need
• 3:54
  this
• 3:54
  big
• 3:54
  paycheck
• 3:55
  to
• 3:55
  invest.
• 3:56
  The
• 3:56
  truth
• 3:56
  is,
• 3:57
  you
• 3:57
  really
• 3:57
  don't.
• 3:58
  Many
• 3:59
  platforms
• 3:59
  now,
• 3:59
  this
• 4:00
  is
• 4:00
  something
• 4:00
  that's
• 4:00
  sort
• 4:00
  of
• 4:01
  evolved
• 4:01
  over
• 4:01
  the
• 4:01
  last
• 4:02
  five
• 4:02
  or
• 4:02
  ten
• 4:02
  years,
• 4:03
  lets
• 4:03
  you
• 4:03
  start
• 4:04
  with
• 4:04
  something
• 4:04
  called
• 4:04
  a
• 4:05
  fractional
• 4:05
  share
• 4:05
  so
• 4:06
  you
• 4:06
  don't
• 4:06
  have
• 4:06
  to
• 4:06
  buy
• 4:07
  a
• 4:07
  whole
• 4:07
  share
• 4:07
  of
• 4:07
  the
• 4:08
  stock.
• 4:09
  What
• 4:09
  that
• 4:09
  means
• 4:09
  is
• 4:09
  you
• 4:10
  can
• 4:10
  invest
• 4:10
  25
• 4:11
  or
• 4:11
  $50
• 4:12
  at
• 4:12
  a
• 4:12
  time.
• 4:12
  You
• 4:12
  just
• 4:12
  buy
• 4:12
  a
• 4:13
  portion
• 4:13
  of
• 4:13
  that
• 4:13
  stock.
• 4:15
  I'll
• 4:15
  give
• 4:15
  you
• 4:15
  an
• 4:15
  example.
• 4:16
  This
• 4:16
  is
• 4:16
  way
• 4:17
  that
• 4:17
  multiplication
• 4:18
  really
• 4:18
  adds
• 4:18
  up.
• 4:19
  And
• 4:19
  I'm
• 4:19
  gonna
• 4:19
  talk
• 4:19
  about
• 4:19
  that
• 4:19
  in
• 4:19
  a
• 4:20
  couple
• 4:20
  shows
• 4:20
  from
• 4:20
  now.
• 4:21
  Let's
• 4:21
  just
• 4:21
  say
• 4:22
  you
• 4:22
  invest
• 4:22
  at
• 4:22
  $25
• 4:23
  a
• 4:23
  month
• 4:23
  for
• 4:24
  10
• 4:24
  years.
• 4:25
  That's
• 4:25
  $3,000
• 4:26
  you've
• 4:27
  invested.
• 4:27
  But
• 4:28
  with
• 4:28
  growth,
• 4:28
  with
• 4:29
  a
• 4:29
  healthy
• 4:29
  market,
• 4:30
  it
• 4:30
  can
• 4:30
  become
• 4:31
  thousands
• 4:31
  and
• 4:31
  thousands
• 4:32
  of
• 4:32
  dollars
• 4:32
  more.
• 4:32
  I
• 4:33
  don't
• 4:33
  know
• 4:33
  how
• 4:33
  many
• 4:33
  clients
• 4:34
  I've
• 4:34
  seen
• 4:34
  in
• 4:34
  my
• 4:35
  career
• 4:35
  who
• 4:35
  took
• 4:36
  that
• 4:36
  leap
• 4:36
  of
• 4:36
  just
• 4:36
  $25
• 4:37
  a
• 4:37
  month.
• 4:38
  And
• 4:38
  that
• 4:39
  number
• 4:39
  just
• 4:39
  grew
• 4:39
  and
• 4:40
  grew.
• 4:40
  It's
• 4:40
  funny,
• 4:41
  they'll
• 4:41
  come
• 4:41
  in
• 4:41
  to
• 4:41
  meet
• 4:42
  with
• 4:42
  me
• 4:42
  once
• 4:42
  a
• 4:42
  year
• 4:42
  if
• 4:42
  they
• 4:43
  get
• 4:43
  their
• 4:43
  taxes
• 4:43
  done.
• 4:44
  And
• 4:44
  I'll
• 4:44
  say,
• 4:44
  hey,
• 4:45
  let
• 4:46
  name
• 4:46
  and
• 4:46
  said,
• 4:46
  oh,
• 4:47
  they're
• 4:47
  so
• 4:47
  happy
• 4:47
  to
• 4:47
  show
• 4:47
  them
• 4:48
  to
• 4:48
  me
• 4:48
  because
• 4:48
  it
• 4:49
  started
• 4:49
  off
• 4:49
  small.
• 4:50
  And
• 4:50
  as
• 4:50
  they
• 4:51
  develop
• 4:51
  the
• 4:51
  skills,
• 4:52
  they
• 4:52
  start
• 4:52
  to
• 4:53
  build
• 4:53
  that
• 4:53
  confidence.
• 4:54
  And
• 4:54
  see,
• 4:55
  it's
• 4:55
  all
• 4:55
  about
• 4:55
  consistency.
• 4:56
  And
• 4:56
  that's
• 4:56
  my
• 4:56
  really
• 4:57
  my
• 4:57
  third
• 4:57
  point
• 4:57
  today.
• 4:58
  Consistency
• 4:59
  beats
• 4:59
  perfection.
• 5:00
  So
• 5:01
  many
• 5:01
  people
• 5:01
  think,
• 5:01
  well,
• 5:01
  Ralph,
• 5:02
  I'm
• 5:02
  going
• 5:02
  to
• 5:02
  invest
• 5:02
  in
• 5:02
  the
• 5:02
  market.
• 5:03
  I
• 5:03
  got
• 5:03
  to
• 5:03
  time
• 5:03
  the
• 5:04
  market
• 5:04
  just
• 5:04
  right.
• 5:04
  I
• 5:04
  got
• 5:05
  to
• 5:05
  get
• 5:05
  in
• 5:05
  at
• 5:05
  the
• 5:05
  right
• 5:05
  time
• 5:06
  and
• 5:06
  get
• 5:06
  out
• 5:06
  at
• 5:06
  the
• 5:07
  wrong
• 5:07
  time.
• 5:07
  Again,
• 5:08
  that's
• 5:08
  such
• 5:08
  a
• 5:08
  big
• 5:09
  miss.
• 5:09
  It's
• 5:10
  not
• 5:10
  something
• 5:10
  you
• 5:11
  have
• 5:11
  to
• 5:11
  really
• 5:11
  come
• 5:12
  and
• 5:12
  worry
• 5:12
  about.
• 5:13
  It's
• 5:14
  not
• 5:14
  about
• 5:14
  when
• 5:14
  you
• 5:14
  time
• 5:15
  the
• 5:15
  market.
• 5:16
  It's
• 5:16
  really
• 5:16
  about
• 5:17
  time
• 5:17
  in
• 5:17
  the
• 5:18
  market.
• 5:18
  And
• 5:19
  see,
• 5:19
  that's
• 5:19
  the
• 5:19
  whole
• 5:19
  key
• 5:19
  to
• 5:20
  this.
• 5:20
  It's
• 5:21
  the
• 5:21
  long
• 5:21
  term
• 5:21
  view.
• 5:22
  Now,
• 5:22
  I'm
• 5:22
  not
• 5:23
  trying
• 5:23
  to
• 5:23
  sell
• 5:23
  you
• 5:23
  investments
• 5:24
  right
• 5:24
  now.
• 5:24
  I'm
• 5:24
  not
• 5:24
  even
• 5:24
  talking
• 5:25
  about
• 5:25
  specific
• 5:25
  investments.
• 5:27
  But
• 5:27
  it's
• 5:27
  not
• 5:27
  about
• 5:27
  timing
• 5:28
  the
• 5:28
  market.
• 5:28
  You're
• 5:28
  going
• 5:28
  to
• 5:28
  get
• 5:29
  yourself
• 5:29
  in
• 5:29
  trouble.
• 5:29
  That
• 5:30
  right
• 5:30
  there
• 5:30
  is
• 5:30
  gambling.
• 5:31
  What
• 5:31
  I'm
• 5:32
  talking
• 5:32
  about
• 5:32
  is
• 5:32
  time
• 5:33
  in
• 5:33
  the
• 5:33
  market,
• 5:34
  which
• 5:34
  leads
• 5:34
  me
• 5:34
  to
• 5:35
  a
• 5:35
  great
• 5:35
  piece
• 5:35
  of
• 5:35
  scripture
• 5:36
  that
• 5:36
  really
• 5:36
  fortifies
• 5:37
  what
• 5:37
  we're
• 5:38
  talking
• 5:38
  about
• 5:38
  today.
• 5:39
  And
• 5:39
  that's
• 5:39
  the
• 5:40
  book
• 5:40
  of
• 5:40
  Luke,
• 5:40
  chapter
• 5:41
  16,
• 5:42
  verse
• 5:42
  10.
• 5:42
  And
• 5:43
  I've
• 5:43
  used
• 5:43
  this
• 5:43
  on
• 5:43
  the
• 5:43
  show
• 5:43
  a
• 5:44
  few
• 5:44
  times,
• 5:44
  but
• 5:44
  it
• 5:44
  is
• 5:45
  perfect
• 5:45
  for
• 5:45
  what
• 5:45
  we're
• 5:45
  talking
• 5:46
  about
• 5:46
  today.
• 5:47
  Again,
• 5:47
  Luke
• 5:48
  16:10.
• 5:49
  Whoever
• 5:49
  can
• 5:50
  be
• 5:50
  trusted
• 5:50
  with
• 5:50
  very
• 5:51
  little
• 5:51
  can
• 5:52
  also
• 5:52
  be
• 5:52
  trusted
• 5:53
  with
• 5:53
  much.
• 5:54
  And
• 5:54
  what
• 5:54
  are
• 5:54
  we
• 5:54
  talking
• 5:54
  about
• 5:55
  here?
• 5:55
  We're
• 5:55
  talking
• 5:55
  about
• 5:55
  faithfulness.
• 5:57
  That
• 5:57
  faithfulness,
• 5:58
  that
• 5:58
  decision
• 5:58
  to
• 5:59
  continue
• 5:59
  to
• 5:59
  invest
• 6:00
  even
• 6:01
  as
• 6:01
  small
• 6:01
  as
• 6:01
  $25
• 6:02
  a
• 6:03
  month.
• 6:03
  That
• 6:04
  faithfulness
• 6:04
  matters
• 6:05
  more
• 6:05
  than
• 6:06
  the
• 6:06
  amount.
• 6:06
  It's
• 6:06
  not
• 6:06
  about
• 6:07
  the
• 6:07
  amounts.
• 6:08
  It's
• 6:08
  all
• 6:09
  truly
• 6:09
  about
• 6:09
  the
• 6:10
  consistency.
• 6:10
  Let
• 6:10
  me
• 6:10
  just
• 6:11
  tell
• 6:11
  you
• 6:11
  a
• 6:11
  little
• 6:11
  secret.
• 6:12
  Most
• 6:12
  of
• 6:12
  what
• 6:12
  I
• 6:13
  talk
• 6:13
  about
• 6:13
  here
• 6:13
  on
• 6:13
  the
• 6:14
  show
• 6:14
  to
• 6:14
  be
• 6:15
  a
• 6:15
  financially
• 6:15
  confident
• 6:16
  Christian
• 6:17
  is
• 6:17
  not
• 6:17
  about
• 6:17
  making
• 6:18
  big
• 6:18
  decisions.
• 6:19
  It's
• 6:19
  about
• 6:19
  making
• 6:20
  those
• 6:20
  consistent
• 6:21
  decisions,
• 6:21
  those
• 6:22
  wise
• 6:22
  stewardship
• 6:23
  decisions
• 6:24
  day
• 6:24
  in
• 6:24
  and
• 6:25
  day
• 6:25
  out.
• 6:25
  Well,
• 6:25
  let's
• 6:25
  get
• 6:25
  to
• 6:25
  another
• 6:26
  point.
• 6:26
  And
• 6:27
  here's
• 6:27
  the
• 6:27
  thing
• 6:27
  I
• 6:28
  really
• 6:28
  want
• 6:28
  to
• 6:28
  drive
• 6:29
  home
• 6:29
  today.
• 6:30
  God
• 6:30
  truly
• 6:31
  honors
• 6:31
  these
• 6:31
  small
• 6:32
  steps.
• 6:32
  I've
• 6:32
  had
• 6:33
  so
• 6:33
  many
• 6:33
  people
• 6:33
  say,
• 6:33
  Ralph,
• 6:34
  God
• 6:34
  wants
• 6:34
  me
• 6:34
  to
• 6:34
  do
• 6:35
  more
• 6:35
  than
• 6:35
  25
• 6:35
  bucks
• 6:36
  a
• 6:36
  month.
• 6:37
  Let's
• 6:37
  look
• 6:37
  at
• 6:37
  the
• 6:37
  book
• 6:37
  of
• 6:37
  Proverbs,
• 6:38
  chapter
• 6:38
  13,
• 6:39
  verse
• 6:39
  11.
• 6:40
  And
• 6:40
  this
• 6:40
  one
• 6:41
  just
• 6:41
  nails
• 6:42
  that
• 6:42
  true
• 6:42
  belief
• 6:42
  that
• 6:42
  God
• 6:43
  honors
• 6:43
  small
• 6:43
  steps.
• 6:44
  Again,
• 6:44
  Proverbs
• 6:45
  13:11,
• 6:46
  dishonest
• 6:47
  money
• 6:47
  dwindles
• 6:48
  away.
• 6:48
  But
• 6:49
  whoever
• 6:49
  gathers
• 6:49
  money
• 6:50
  little
• 6:50
  by
• 6:50
  little
• 6:51
  makes
• 6:51
  it
• 6:52
  grow.
• 6:53
  And
• 6:53
  I
• 6:53
  just
• 6:53
  love
• 6:53
  that
• 6:54
  verse.
• 6:54
  Little
• 6:55
  by
• 6:55
  little,
• 6:57
  dishonest
• 6:57
  money.
• 6:57
  If
• 6:57
  you're
• 6:58
  trying
• 6:58
  to
• 6:58
  beat
• 6:58
  the
• 6:58
  market
• 6:59
  trying
• 6:59
  to
• 6:59
  time
• 6:59
  the
• 6:59
  market.
• 6:59
  And
• 7:00
  I'm
• 7:00
  going
• 7:00
  to
• 7:00
  invest.
• 7:00
  Somebody
• 7:01
  told
• 7:01
  me
• 7:01
  a
• 7:01
  great
• 7:01
  idea.
• 7:02
  I'm
• 7:02
  going
• 7:02
  to
• 7:02
  invest
• 7:02
  and
• 7:02
  make
• 7:03
  a
• 7:03
  ton
• 7:03
  of
• 7:03
  money.
• 7:04
  God's
• 7:04
  not
• 7:04
  going
• 7:04
  to
• 7:04
  honor
• 7:05
  that.
• 7:06
  God
• 7:06
  has
• 7:07
  designed
• 7:07
  money
• 7:08
  as
• 7:08
  a
• 7:08
  tool.
• 7:08
  I've
• 7:08
  talked
• 7:09
  about
• 7:09
  it
• 7:09
  on
• 7:09
  the
• 7:09
  show
• 7:09
  many
• 7:10
  times.
• 7:10
  But
• 7:11
  he's
• 7:11
  designed
• 7:11
  it
• 7:11
  as
• 7:12
  a
• 7:12
  tool
• 7:12
  to
• 7:12
  grow
• 7:12
  through
• 7:13
  patience
• 7:13
  and
• 7:14
  stewardship.
• 7:14
  Little
• 7:15
  by
• 7:15
  little,
• 7:16
  step
• 7:16
  by
• 7:16
  step.
• 7:17
  This
• 7:17
  isn't
• 7:17
  all.
• 7:17
  Put
• 7:18
  it
• 7:18
  all
• 7:18
  on
• 7:18
  black,
• 7:18
  spin
• 7:19
  the
• 7:19
  wheel.
• 7:19
  Let's
• 7:19
  see
• 7:19
  if
• 7:19
  we
• 7:20
  hit
• 7:20
  the
• 7:20
  jackpot.
• 7:21
  It's
• 7:21
  a
• 7:21
  bad
• 7:21
  way
• 7:22
  to
• 7:22
  look
• 7:22
  at
• 7:22
  investing,
• 7:23
  and
• 7:23
  so
• 7:23
  many
• 7:23
  people
• 7:23
  think
• 7:23
  that's
• 7:24
  the
• 7:24
  case.
• 7:24
  Oh,
• 7:24
  I
• 7:24
  got
• 7:25
  this
• 7:25
  tip.
• 7:25
  I
• 7:25
  got
• 7:25
  this
• 7:25
  phone
• 7:26
  call
• 7:26
  from
• 7:26
  a
• 7:26
  friend
• 7:26
  of
• 7:26
  mine,
• 7:26
  Ralph.
• 7:27
  He
• 7:27
  said,
• 7:27
  you
• 7:27
  got
• 7:27
  to
• 7:27
  buy
• 7:28
  this
• 7:28
  stock
• 7:28
  right
• 7:28
  now.
• 7:29
  It's
• 7:29
  going
• 7:29
  to
• 7:29
  soar.
• 7:31
  I
• 7:31
  steer
• 7:31
  clear
• 7:31
  of
• 7:31
  those
• 7:32
  things.
• 7:33
  And
• 7:33
  my
• 7:33
  final
• 7:33
  point
• 7:34
  today
• 7:35
  is
• 7:35
  investing
• 7:36
  builds
• 7:36
  freedom,
• 7:37
  not
• 7:37
  just
• 7:37
  wealth.
• 7:39
  So
• 7:39
  many
• 7:39
  people
• 7:39
  have
• 7:39
  said
• 7:40
  to
• 7:40
  me,
• 7:40
  well,
• 7:40
  Ralph,
• 7:40
  you're
• 7:41
  just
• 7:41
  talking
• 7:41
  about
• 7:41
  prosperity.
• 7:42
  You're
• 7:42
  just
• 7:42
  talking
• 7:42
  about
• 7:43
  how
• 7:43
  to
• 7:43
  build
• 7:43
  wealth.
• 7:44
  Not
• 7:44
  at
• 7:45
  all.
• 7:45
  What
• 7:45
  I'm
• 7:46
  really
• 7:46
  talking
• 7:46
  about,
• 7:46
  the
• 7:46
  whole
• 7:46
  reason
• 7:47
  I'm
• 7:47
  doing
• 7:47
  this
• 7:47
  30
• 7:48
  day
• 7:48
  series
• 7:48
  on
• 7:49
  investing
• 7:49
  is
• 7:50
  investing
• 7:50
  truly
• 7:51
  builds
• 7:51
  freedom.
• 7:52
  It's
• 7:52
  not
• 7:52
  just
• 7:53
  about
• 7:53
  retirement.
• 7:53
  So
• 7:53
  many
• 7:54
  people
• 7:54
  think,
• 7:54
  well,
• 7:54
  investment,
• 7:55
  that's
• 7:55
  just
• 7:55
  my
• 7:55
  retirement,
• 7:56
  Ralph.
• 7:56
  No,
• 7:56
  it's
• 7:56
  so
• 7:57
  much
• 7:57
  bigger
• 7:57
  than
• 7:57
  that.
• 7:58
  It's
• 7:58
  not
• 7:58
  about
• 7:59
  those
• 7:59
  numbers
• 7:59
  on
• 7:59
  a
• 8:00
  page.
• 8:01
  It's
• 8:01
  about
• 8:01
  peace
• 8:02
  of
• 8:02
  mind.
• 8:03
  It's
• 8:03
  about
• 8:03
  freedom.
• 8:04
  And
• 8:05
  in
• 8:05
  the
• 8:05
  end,
• 8:05
  it's
• 8:05
  really
• 8:06
  about
• 8:06
  building
• 8:06
  a
• 8:07
  legacy
• 8:07
  of
• 8:08
  generosity
• 8:09
  for
• 8:09
  your
• 8:09
  family.
• 8:10
  How
• 8:11
  about
• 8:11
  we
• 8:11
  pray
• 8:11
  together
• 8:11
  now?
• 8:12
  Heavenly
• 8:13
  Father,
• 8:13
  we
• 8:13
  just
• 8:13
  thank
• 8:14
  You
• 8:14
  for
• 8:14
  reminding
• 8:14
  us
• 8:15
  that
• 8:15
  investing
• 8:15
  isn't
• 8:16
  about
• 8:16
  riches,
• 8:16
  Lord.
• 8:17
  It's
• 8:17
  truly
• 8:18
  about
• 8:18
  stewardship
• 8:19
  and
• 8:19
  it's
• 8:19
  about
• 8:20
  freedom.
• 8:20
  Lord,
• 8:21
  we
• 8:21
  ask
• 8:21
  that
• 8:21
  You
• 8:21
  would
• 8:21
  help
• 8:22
  us
• 8:22
  to
• 8:22
  trust
• 8:22
  You
• 8:22
  with
• 8:22
  the
• 8:23
  little
• 8:23
  we
• 8:23
  have
• 8:24
  so
• 8:24
  that
• 8:24
  we
• 8:24
  can
• 8:24
  grow
• 8:24
  it
• 8:24
  into
• 8:25
  something
• 8:25
  greater
• 8:25
  for
• 8:26
  Your
• 8:26
  glory.
• 8:27
  Give
• 8:27
  us
• 8:27
  wisdom
• 8:28
  to
• 8:28
  start
• 8:28
  small,
• 8:29
  Lord,
• 8:29
  and
• 8:29
  faith
• 8:30
  to
• 8:30
  stay
• 8:30
  consistent,
• 8:31
  and
• 8:32
  peace
• 8:32
  to
• 8:32
  know
• 8:32
  that
• 8:32
  Your
• 8:33
  true
• 8:33
  security
• 8:33
  and
• 8:34
  our
• 8:34
  true
• 8:34
  security
• 8:35
  truly
• 8:35
  is
• 8:36
  in
• 8:36
  You.
• 8:36
  And
• 8:36
  we
• 8:36
  ask
• 8:36
  this
• 8:37
  in
• 8:37
  confidence.
• 8:38
  In
• 8:39
  Jesus
• 8:39
  name
• 8:39
  we
• 8:39
  pray,
• 8:40
  Amen.
• 8:42
  Well,
• 8:43
  friend,
• 8:43
  if
• 8:44
  my
• 8:44
  show
• 8:44
  is
• 8:44
  helping
• 8:45
  you,
• 8:45
  if
• 8:45
  this
• 8:45
  particular
• 8:46
  episode
• 8:46
  has
• 8:46
  helped
• 8:47
  you,
• 8:47
  I
• 8:47
  want
• 8:47
  to
• 8:47
  encourage
• 8:48
  you
• 8:48
  to
• 8:48
  share
• 8:48
  it
• 8:48
  with
• 8:48
  somebody
• 8:49
  else.
• 8:49
  You
• 8:50
  can
• 8:50
  send
• 8:50
  them
• 8:50
  right
• 8:50
  to
• 8:50
  financiallyconfidentchristian.com
• 8:53
  send
• 8:53
  them
• 8:54
  an
• 8:54
  email,
• 8:54
  send
• 8:54
  them
• 8:54
  a
• 8:54
  text.
• 8:55
  The
• 8:55
  more
• 8:55
  people
• 8:55
  that
• 8:56
  understand
• 8:57
  how
• 8:57
  investing
• 8:58
  is
• 8:58
  really
• 8:58
  not
• 8:58
  for
• 8:59
  just
• 8:59
  those
• 8:59
  rich
• 8:59
  people,
• 9:00
  it's
• 9:00
  for
• 9:01
  people
• 9:01
  just
• 9:01
  like
• 9:02
  you.
• 9:02
  So
• 9:02
  share
• 9:03
  the
• 9:03
  show
• 9:03
  with
• 9:03
  them
• 9:04
  and
• 9:04
  don't
• 9:04
  forget
• 9:04
  tomorrow's
• 9:05
  show.
• 9:05
  Tomorrow
• 9:06
  we're
• 9:06
  going
• 9:06
  to
• 9:06
  get
• 9:06
  into
• 9:06
  the
• 9:07
  meat
• 9:07
  and
• 9:07
  potatoes
• 9:07
  of
• 9:08
  investing.
• 9:08
  We're
• 9:08
  going
• 9:08
  to
• 9:08
  talk
• 9:08
  about
• 9:09
  understanding
• 9:09
  risk
• 9:10
  and
• 9:10
  reward
• 9:11
  and
• 9:11
  how
• 9:11
  much
• 9:11
  is
• 9:12
  right
• 9:12
  for
• 9:12
  you.
• 9:13
  As
• 9:13
  we
• 9:13
  build
• 9:13
  this
• 9:14
  plan
• 9:14
  of
• 9:14
  investing,
• 9:15
  we
• 9:15
  really
• 9:15
  need
• 9:15
  to
• 9:15
  break
• 9:16
  this
• 9:16
  down
• 9:16
  piece
• 9:16
  by
• 9:16
  piece.
• 9:17
  And
• 9:17
  tomorrow
• 9:18
  I'm
• 9:18
  going
• 9:18
  to
• 9:18
  continue
• 9:18
  that
• 9:18
  process
• 9:19
  by
• 9:19
  doing
• 9:19
  that.
• 9:20
  And
• 9:20
  if
• 9:20
  you've
• 9:21
  really
• 9:21
  been
• 9:21
  stuck
• 9:22
  believing
• 9:22
  investing
• 9:23
  is
• 9:23
  only
• 9:23
  for
• 9:23
  the
• 9:23
  wealthy,
• 9:24
  I
• 9:24
  want
• 9:24
  to
• 9:24
  share
• 9:24
  something
• 9:25
  with
• 9:25
  you.
• 9:25
  I
• 9:25
  just
• 9:26
  finished
• 9:26
  writing
• 9:26
  my
• 9:26
  third
• 9:27
  book.
• 9:27
  It's
• 9:27
  called
• 9:28
  How
• 9:28
  to
• 9:28
  Become
• 9:28
  a
• 9:28
  Financially
• 9:29
  Confident
• 9:29
  Christian
• 9:30
  and
• 9:30
  I
• 9:30
  talk
• 9:30
  in
• 9:31
  that
• 9:31
  book
• 9:31
  about
• 9:31
  investing.
• 9:32
  I
• 9:32
  talk
• 9:32
  about
• 9:32
  Stewardship.
• 9:33
  I
• 9:33
  share
• 9:34
  30
• 9:34
  years
• 9:34
  of
• 9:35
  stories
• 9:35
  of
• 9:35
  people
• 9:36
  that
• 9:36
  I've
• 9:36
  worked
• 9:36
  with
• 9:37
  who
• 9:37
  have
• 9:37
  found
• 9:38
  that
• 9:38
  freedom
• 9:39
  in
• 9:39
  Christ
• 9:40
  to
• 9:40
  finally
• 9:40
  break
• 9:41
  that
• 9:41
  cycle
• 9:41
  of
• 9:41
  financial
• 9:42
  statement.
• 9:42
  I
• 9:42
  want
• 9:42
  to
• 9:42
  give
• 9:42
  you
• 9:42
  a
• 9:43
  copy
• 9:43
  of
• 9:43
  my
• 9:43
  book.
• 9:43
  You
• 9:44
  can
• 9:44
  go
• 9:44
  to
• 9:44
  financiallyconfidentchristian.com/becoming
• 9:48
  again
• 9:48
  that's
• 9:49
  financiallyconfidentchristian.com/becoming.
• 9:52
  You
• 9:52
  can
• 9:52
  download
• 9:53
  a
• 9:53
  copy
• 9:53
  of
• 9:53
  the
• 9:53
  book
• 9:53
  absolutely
• 9:54
  free,
• 9:54
  no
• 9:54
  strings
• 9:55
  attached.
• 9:55
  I
• 9:55
  encourage
• 9:55
  you
• 9:56
  to
• 9:56
  do
• 9:56
  that
• 9:56
  and
• 9:56
  share
• 9:56
  that
• 9:57
  website
• 9:57
  with
• 9:57
  a
• 9:58
  friend
• 9:58
  because
• 9:58
  I
• 9:58
  want
• 9:58
  to
• 9:59
  help
• 9:59
  you
• 9:59
  break
• 9:59
  free
• 9:59
  from
• 9:59
  shame
• 10:00
  and
• 10:00
  take
• 10:01
  that
• 10:01
  first
• 10:01
  faithful
• 10:02
  step.
• 10:03
  Listen,
• 10:05
  investments
• 10:05
  are
• 10:05
  not
• 10:06
  that
• 10:06
  complicated.
• 10:07
  You
• 10:07
  can
• 10:08
  do
• 10:08
  this.
• 10:08
  I
• 10:08
  have
• 10:08
  confidence
• 10:09
  in
• 10:09
  you.
• 10:09
  Now
• 10:10
  go
• 10:10
  out
• 10:10
  there
• 10:10
  today
• 10:10
  and
• 10:11
  be
• 10:11
  that
• 10:11
  Financially
• 10:12
  Confident
• 10:12
  Christian
• 10:12
  that
• 10:13
  God
• 10:13
  wants
• 10:13
  you
• 10:13
  to
• 10:13
  be.
• 10:14
  God
• 10:14
  bless
• 10:15
  you
• 10:15
  and
• 10:15
  you
• 10:15
  have
• 10:16
  a
• 10:16
  great
• 10:16
  day
• 10:16
  and
• 10:16
  don't
• 10:16
  forget
• 10:16
  to
• 10:16
  join
• 10:17
  me
• 10:17
  again
• 10:17
  tomorrow
• 10:17
  as
• 10:18
  we
• 10:18
  talk
• 10:18
  about
• 10:18
  that
• 10:19
  risk
• 10:19
  reward
• 10:19
  and
• 10:20
  how
• 10:20
  much
• 10:20
  is
• 10:20
  right
• 10:20
  for
• 10:21
  me.
• 10:21
  Have
• 10:21
  a
• 10:21
  great
• 10:21
  day
• 10:21
  today.