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Why Is It So Hard to Manage Money When My Income Jumps Around? · Becoming Financially Confident

• 0:38
  I
• 0:38
  was
• 0:38
  on
• 0:38
  a
• 0:38
  call
• 0:38
  the
• 0:38
  other
• 0:38
  day
• 0:39
  with
• 0:39
  a
• 0:39
  coaching
• 0:39
  client.
• 0:39
  He
• 0:40
  said
• 0:40
  something
• 0:40
  I
• 0:40
  just
• 0:40
  had
• 0:40
  to
• 0:41
  share
• 0:41
  with
• 0:41
  you
• 0:41
  today.
• 0:41
  He
• 0:42
  said
• 0:42
  this.
• 0:42
  He
• 0:42
  said,
• 0:42
  I
• 0:43
  feel
• 0:43
  my
• 0:43
  paycheck
• 0:44
  is
• 0:44
  a
• 0:44
  roller
• 0:45
  coaster.
• 0:46
  That's
• 0:46
  a
• 0:46
  great
• 0:47
  thing
• 0:47
  to
• 0:47
  talk
• 0:47
  about
• 0:47
  today.
• 0:48
  Now
• 0:48
  I'm
• 0:48
  gonna
• 0:48
  tell
• 0:48
  you
• 0:48
  right
• 0:48
  now,
• 0:49
  he's
• 0:49
  in
• 0:49
  sales.
• 0:50
  But
• 0:50
  let
• 0:50
  me
• 0:50
  ask
• 0:50
  you,
• 0:51
  do
• 0:51
  you
• 0:51
  ever
• 0:51
  feel
• 0:51
  like
• 0:51
  your
• 0:52
  paychecks
• 0:52
  are
• 0:52
  roller
• 0:53
  coaster
• 0:53
  as
• 0:53
  well?
• 0:54
  Think
• 0:54
  about
• 0:54
  this.
• 0:55
  Click,
• 0:55
  click,
• 0:55
  click.
• 0:56
  You're
• 0:56
  climbing
• 0:56
  up
• 0:57
  that
• 0:57
  big
• 0:58
  month,
• 0:58
  a
• 0:58
  big
• 0:58
  check.
• 0:59
  You
• 0:59
  feel
• 0:59
  amazing
• 1:00
  at
• 1:00
  that
• 1:00
  time.
• 1:00
  Then
• 1:01
  whoosh,
• 1:01
  straight
• 1:02
  down.
• 1:02
  You
• 1:03
  could
• 1:03
  see
• 1:03
  that
• 1:03
  in
• 1:03
  your
• 1:03
  mind.
• 1:04
  Your
• 1:05
  stomach's
• 1:05
  in
• 1:05
  your
• 1:05
  throat,
• 1:06
  stress
• 1:06
  is
• 1:06
  through
• 1:07
  the
• 1:07
  roof.
• 1:08
  And
• 1:08
  here's
• 1:09
  the
• 1:09
  problem.
• 1:10
  Most
• 1:10
  financial
• 1:11
  gurus
• 1:11
  give
• 1:11
  this
• 1:12
  advice.
• 1:12
  Just
• 1:12
  save
• 1:12
  more
• 1:13
  in
• 1:13
  the
• 1:13
  good
• 1:13
  months.
• 1:14
  That's
• 1:15
  easy
• 1:15
  to
• 1:15
  say,
• 1:15
  but
• 1:15
  here's
• 1:16
  the
• 1:16
  twist.
• 1:17
  I'm
• 1:17
  gonna
• 1:17
  tell
• 1:17
  you
• 1:17
  something
• 1:18
  right
• 1:18
  now,
• 1:18
  and
• 1:18
  I
• 1:18
  might
• 1:19
  aggravate
• 1:19
  a
• 1:19
  few
• 1:19
  people
• 1:19
  by
• 1:20
  saying
• 1:20
  this,
• 1:21
  but
• 1:21
  if
• 1:21
  you
• 1:21
  can't
• 1:22
  handle
• 1:22
  $100
• 1:23
  on
• 1:23
  the
• 1:23
  downhill,
• 1:23
  let
• 1:24
  me
• 1:24
  tell
• 1:24
  you
• 1:24
  right
• 1:24
  now,
• 1:25
  $10,000
• 1:25
  at
• 1:26
  the
• 1:26
  peak
• 1:26
  is
• 1:26
  not
• 1:26
  gonna
• 1:27
  save
• 1:27
  you
• 1:27
  because
• 1:28
  the
• 1:28
  problem
• 1:28
  isn't
• 1:29
  a
• 1:29
  ride.
• 1:30
  The
• 1:30
  problem
• 1:30
  is
• 1:30
  your
• 1:31
  perspective
• 1:31
  on
• 1:31
  the
• 1:32
  track.
• 1:32
  So
• 1:33
  stick
• 1:33
  with
• 1:33
  me
• 1:33
  today
• 1:33
  because
• 1:33
  we're
• 1:34
  talking
• 1:34
  about
• 1:34
  how
• 1:34
  to
• 1:34
  break
• 1:34
  that
• 1:35
  myth
• 1:35
  wide
• 1:36
  open.
• 1:36
  I'm
• 1:36
  going
• 1:36
  to
• 1:36
  give
• 1:37
  you
• 1:37
  the
• 1:37
  answer
• 1:37
  on
• 1:38
  today's
• 1:38
  show.
• 1:40
  This
• 1:40
  is
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian.
• 1:42
  Your
• 1:42
  daily
• 1:43
  dose
• 1:43
  of
• 1:43
  gospel,
• 1:44
  grounded
• 1:44
  insight
• 1:44
  and
• 1:45
  faith
• 1:45
  driven
• 1:45
  tips
• 1:46
  to
• 1:46
  help
• 1:46
  you
• 1:47
  break
• 1:47
  the
• 1:47
  cycle
• 1:47
  of
• 1:47
  financial
• 1:48
  shame
• 1:48
  with
• 1:48
  confidence.
• 1:52
  Welcome
• 1:52
  back
• 1:53
  to
• 1:53
  Financially
• 1:53
  Confident
• 1:54
  Christian.
• 1:54
  I'm
• 1:54
  Ralph.
• 1:54
  I'm
• 1:55
  so
• 1:55
  happy
• 1:55
  you've
• 1:55
  chosen
• 1:55
  to
• 1:56
  give
• 1:56
  me
• 1:56
  just
• 1:56
  a
• 1:56
  little
• 1:56
  bit
• 1:57
  of
• 1:57
  time
• 1:57
  today
• 1:58
  as
• 1:58
  we
• 1:58
  continue
• 1:58
  to
• 1:59
  help
• 1:59
  you
• 1:59
  become
• 1:59
  a
• 2:00
  financially
• 2:00
  confident
• 2:01
  Christian.
• 2:01
  And
• 2:02
  we're
• 2:02
  continuing
• 2:02
  in
• 2:03
  our
• 2:03
  series
• 2:04
  Breaking
• 2:04
  Financial
• 2:05
  Shame
• 2:05
  and
• 2:06
  Walking
• 2:06
  in
• 2:06
  Confidence.
• 2:07
  Now,
• 2:08
  if
• 2:08
  you
• 2:08
  missed
• 2:08
  yesterday's
• 2:09
  show,
• 2:09
  we
• 2:09
  talked
• 2:09
  about
• 2:10
  why
• 2:10
  income
• 2:10
  never
• 2:11
  feels
• 2:11
  like
• 2:11
  enough
• 2:12
  man.
• 2:12
  I
• 2:12
  gave
• 2:12
  some
• 2:13
  controversial
• 2:13
  ideas
• 2:14
  on
• 2:15
  yesterday's
• 2:15
  show,
• 2:15
  so
• 2:15
  if
• 2:16
  you
• 2:16
  missed
• 2:16
  it,
• 2:16
  I'm
• 2:16
  going
• 2:17
  to
• 2:17
  encourage
• 2:17
  you
• 2:17
  to
• 2:17
  go
• 2:17
  check
• 2:17
  it
• 2:18
  out.
• 2:18
  You
• 2:18
  can
• 2:18
  find
• 2:18
  all
• 2:18
  of
• 2:18
  our
• 2:19
  episodes@financially
• 2:21
  confidentchristian.com
• 2:23
  but
• 2:23
  today
• 2:24
  we're
• 2:24
  going
• 2:24
  to
• 2:24
  go
• 2:24
  on
• 2:24
  a
• 2:25
  roller
• 2:25
  coaster
• 2:25
  ride.
• 2:26
  Yeah.
• 2:26
  You
• 2:26
  ready
• 2:27
  for
• 2:27
  a
• 2:27
  few
• 2:27
  bumps?
• 2:28
  It's
• 2:28
  going
• 2:28
  to
• 2:28
  be
• 2:28
  a
• 2:28
  bumpy
• 2:29
  ride,
• 2:29
  as
• 2:29
  they
• 2:29
  say.
• 2:30
  Today,
• 2:30
  we're
• 2:30
  going
• 2:31
  to
• 2:31
  talk
• 2:31
  about
• 2:31
  irregular
• 2:32
  income
• 2:32
  head
• 2:33
  on.
• 2:33
  We're
• 2:33
  going
• 2:33
  to
• 2:33
  face
• 2:34
  that
• 2:34
  dragon.
• 2:34
  We're
• 2:35
  going
• 2:35
  to
• 2:35
  face
• 2:35
  that
• 2:36
  monster.
• 2:36
  And
• 2:36
  I'm
• 2:37
  going
• 2:37
  to
• 2:37
  give
• 2:37
  you
• 2:37
  some
• 2:37
  takeaways
• 2:38
  to
• 2:38
  help
• 2:38
  you
• 2:38
  get
• 2:39
  through
• 2:39
  that
• 2:39
  process
• 2:40
  because
• 2:40
  I'm
• 2:41
  going
• 2:41
  to
• 2:41
  answer
• 2:41
  this
• 2:41
  big
• 2:42
  question.
• 2:42
  Why
• 2:43
  is
• 2:43
  it
• 2:43
  so
• 2:43
  hard
• 2:43
  to
• 2:43
  manage
• 2:44
  money
• 2:44
  when
• 2:45
  my
• 2:45
  income
• 2:45
  jumps
• 2:46
  around?
• 2:47
  And
• 2:47
  for
• 2:47
  so
• 2:48
  many
• 2:48
  people,
• 2:48
  if
• 2:48
  you're
• 2:48
  in
• 2:48
  the
• 2:49
  gig
• 2:49
  economy.
• 2:50
  If
• 2:50
  you're
• 2:50
  in
• 2:50
  the
• 2:50
  side
• 2:50
  hustle
• 2:51
  economy.
• 2:51
  If
• 2:51
  you're
• 2:51
  in
• 2:52
  sales,
• 2:52
  you
• 2:53
  know
• 2:53
  the
• 2:53
  cycle.
• 2:54
  One
• 2:54
  month,
• 2:55
  you've
• 2:55
  got
• 2:55
  this
• 2:55
  feast.
• 2:56
  I
• 2:56
  mean,
• 2:56
  you're
• 2:56
  at
• 2:56
  the
• 2:56
  buffet.
• 2:57
  Things
• 2:57
  are
• 2:57
  just
• 2:57
  piling
• 2:58
  up
• 2:58
  all
• 2:58
  around
• 2:58
  you.
• 2:59
  The
• 2:59
  food
• 2:59
  is.
• 3:00
  It's
• 3:00
  great.
• 3:01
  Plenty
• 3:01
  of
• 3:01
  it
• 3:01
  there.
• 3:02
  Money
• 3:02
  pours
• 3:03
  in,
• 3:03
  you
• 3:03
  got
• 3:04
  relief.
• 3:04
  You're
• 3:04
  not
• 3:04
  worried
• 3:05
  about
• 3:05
  where
• 3:05
  the
• 3:05
  next
• 3:05
  dollar
• 3:06
  is
• 3:06
  coming
• 3:06
  from.
• 3:07
  But
• 3:07
  next
• 3:07
  month,
• 3:08
  man,
• 3:08
  it's
• 3:08
  a
• 3:09
  famine.
• 3:09
  Your
• 3:10
  bills
• 3:10
  are
• 3:10
  piling
• 3:10
  up.
• 3:11
  The
• 3:11
  fear
• 3:11
  starts
• 3:12
  to
• 3:12
  take
• 3:12
  over
• 3:12
  your
• 3:12
  mind.
• 3:13
  And
• 3:14
  the
• 3:14
  problem
• 3:14
  is
• 3:14
  most
• 3:14
  of
• 3:15
  these
• 3:15
  financial
• 3:15
  experts
• 3:16
  say,
• 3:16
  well,
• 3:16
  you
• 3:16
  just
• 3:17
  got
• 3:17
  to
• 3:17
  budget
• 3:17
  better.
• 3:18
  But
• 3:19
  that's
• 3:19
  not
• 3:19
  the
• 3:19
  answer.
• 3:19
  We
• 3:19
  got
• 3:20
  to
• 3:20
  get
• 3:20
  real
• 3:20
  for
• 3:20
  a
• 3:20
  second.
• 3:22
  Budgets
• 3:22
  built
• 3:23
  for
• 3:23
  steady
• 3:23
  paychecks
• 3:24
  don't
• 3:24
  work
• 3:24
  for
• 3:25
  irregular
• 3:25
  ones.
• 3:25
  There's
• 3:26
  not
• 3:26
  some
• 3:26
  fancy,
• 3:27
  oh,
• 3:27
  go
• 3:27
  do
• 3:28
  this
• 3:28
  budget.
• 3:28
  It's
• 3:28
  going
• 3:28
  to
• 3:29
  work.
• 3:30
  You're
• 3:30
  trying
• 3:30
  to
• 3:30
  force
• 3:30
  a
• 3:31
  broken
• 3:31
  system.
• 3:32
  That
• 3:32
  system
• 3:33
  doesn't
• 3:33
  work
• 3:33
  if
• 3:34
  your
• 3:34
  income
• 3:34
  isn't
• 3:35
  the
• 3:35
  same
• 3:35
  every
• 3:36
  month.
• 3:36
  I
• 3:36
  want
• 3:36
  you
• 3:36
  to
• 3:36
  hear
• 3:37
  that
• 3:37
  because
• 3:37
  these
• 3:38
  financial
• 3:38
  knucklehead
• 3:39
  gurus
• 3:39
  out
• 3:39
  there
• 3:39
  telling
• 3:40
  you
• 3:40
  by,
• 3:40
  well,
• 3:40
  it's
• 3:40
  just
• 3:40
  a
• 3:40
  budgeting
• 3:41
  issue.
• 3:41
  It's
• 3:42
  not
• 3:42
  a
• 3:42
  budgeting
• 3:42
  issue.
• 3:43
  The
• 3:43
  system
• 3:44
  is
• 3:44
  broke.
• 3:44
  And
• 3:45
  when
• 3:45
  you
• 3:45
  try
• 3:45
  to
• 3:45
  live
• 3:45
  in
• 3:46
  that
• 3:46
  broke
• 3:46
  system,
• 3:47
  all
• 3:47
  you
• 3:47
  feel
• 3:47
  is
• 3:47
  guilt
• 3:48
  and.
• 3:48
  And
• 3:48
  you
• 3:48
  feel
• 3:49
  shame.
• 3:50
  Because
• 3:50
  here's
• 3:51
  the
• 3:51
  controversial
• 3:51
  part,
• 3:52
  man,
• 3:52
  I'm
• 3:52
  getting
• 3:52
  a
• 3:52
  little
• 3:52
  controversial
• 3:53
  this
• 3:53
  week.
• 3:54
  The
• 3:54
  real
• 3:54
  issue
• 3:55
  is
• 3:55
  not
• 3:55
  the
• 3:56
  numbers.
• 3:57
  And
• 3:57
  I
• 3:58
  want
• 3:58
  you
• 3:58
  to
• 3:58
  just
• 3:58
  stew
• 3:58
  on
• 3:59
  that
• 3:59
  for
• 3:59
  a
• 3:59
  second.
• 4:00
  It's
• 4:01
  not
• 4:01
  the
• 4:01
  numbers.
• 4:03
  It's
• 4:03
  really
• 4:03
  that
• 4:04
  fear.
• 4:05
  That
• 4:05
  fear
• 4:05
  in
• 4:05
  the
• 4:05
  back
• 4:05
  of
• 4:06
  your
• 4:06
  head,
• 4:06
  am
• 4:06
  I
• 4:06
  going
• 4:06
  to
• 4:06
  have
• 4:06
  enough
• 4:07
  this
• 4:07
  month?
• 4:08
  And
• 4:08
  the
• 4:09
  truth
• 4:09
  is,
• 4:09
  if
• 4:09
  we're
• 4:09
  being
• 4:09
  honest
• 4:10
  with
• 4:10
  ourselves,
• 4:11
  fear
• 4:11
  has
• 4:12
  become
• 4:12
  your
• 4:12
  financial
• 4:13
  manager.
• 4:14
  But
• 4:15
  here's
• 4:15
  the
• 4:15
  thing
• 4:15
  I
• 4:15
  want
• 4:15
  you
• 4:15
  to
• 4:16
  hear,
• 4:16
  and
• 4:16
  I
• 4:16
  want
• 4:16
  you
• 4:16
  to
• 4:16
  hear
• 4:17
  it
• 4:17
  loud
• 4:17
  and
• 4:17
  clear
• 4:17
  today.
• 4:18
  Feast
• 4:19
  or
• 4:19
  famine
• 4:20
  isn't
• 4:20
  just
• 4:21
  a
• 4:21
  financial
• 4:22
  issue.
• 4:23
  If
• 4:23
  it
• 4:23
  was,
• 4:24
  I
• 4:24
  could
• 4:24
  help
• 4:24
  you
• 4:24
  solve
• 4:24
  that
• 4:25
  problem.
• 4:26
  But
• 4:26
  it's
• 4:26
  so
• 4:26
  much
• 4:27
  deeper
• 4:27
  than
• 4:27
  that.
• 4:27
  And
• 4:27
  so
• 4:28
  I
• 4:28
  do.
• 4:28
  This
• 4:28
  show,
• 4:28
  this
• 4:29
  show
• 4:29
  is
• 4:29
  all
• 4:29
  about
• 4:29
  bringing
• 4:30
  two
• 4:30
  worlds
• 4:30
  together.
• 4:31
  A
• 4:31
  lot
• 4:31
  of
• 4:31
  people
• 4:31
  ask
• 4:31
  me,
• 4:32
  ralph,
• 4:32
  what
• 4:32
  is
• 4:32
  your
• 4:32
  show
• 4:33
  all
• 4:33
  about?
• 4:33
  Well,
• 4:34
  I
• 4:34
  can
• 4:34
  sum
• 4:34
  it
• 4:34
  up
• 4:35
  like
• 4:35
  this.
• 4:35
  It's
• 4:36
  about
• 4:36
  faith,
• 4:37
  and
• 4:37
  it's
• 4:37
  about
• 4:37
  finances.
• 4:38
  And
• 4:38
  there's
• 4:38
  an
• 4:38
  intersection
• 4:39
  between
• 4:39
  the
• 4:39
  two.
• 4:40
  And
• 4:40
  today's
• 4:41
  topic
• 4:41
  is
• 4:41
  exactly
• 4:42
  that.
• 4:42
  It's
• 4:43
  faith,
• 4:43
  and
• 4:43
  it's
• 4:44
  a
• 4:44
  discipline
• 4:44
  problem.
• 4:45
  That's
• 4:45
  what
• 4:45
  we're
• 4:45
  talking
• 4:45
  about
• 4:45
  here.
• 4:46
  The
• 4:46
  real
• 4:47
  issue
• 4:47
  with
• 4:47
  income
• 4:48
  fluctuating
• 4:49
  is
• 4:49
  not
• 4:49
  a
• 4:50
  financial
• 4:50
  issue.
• 4:51
  It's
• 4:51
  a
• 4:51
  discipline
• 4:52
  problem.
• 4:53
  Well,
• 4:53
  where
• 4:53
  we
• 4:54
  get
• 4:54
  our
• 4:54
  best
• 4:54
  mode
• 4:55
  of
• 4:55
  understanding
• 4:56
  discipline,
• 4:56
  it's
• 4:57
  from
• 4:57
  the
• 4:57
  Bible.
• 4:57
  So
• 4:57
  let's
• 4:57
  Jump
• 4:58
  right
• 4:58
  into
• 4:58
  it.
• 4:58
  Let's
• 4:58
  go
• 4:59
  right
• 4:59
  to
• 4:59
  Joseph
• 5:00
  in
• 5:00
  the
• 5:00
  book
• 5:00
  of
• 5:01
  Genesis.
• 5:01
  And
• 5:01
  listen,
• 5:01
  I
• 5:01
  don't
• 5:02
  quote
• 5:02
  the
• 5:02
  book
• 5:02
  of
• 5:02
  Genesis
• 5:03
  often,
• 5:03
  but
• 5:04
  this
• 5:04
  is
• 5:04
  where
• 5:04
  we're
• 5:05
  landing
• 5:05
  today.
• 5:06
  And
• 5:06
  if
• 5:06
  you
• 5:06
  don't
• 5:07
  know
• 5:07
  the
• 5:07
  story,
• 5:07
  it's
• 5:08
  not
• 5:08
  just
• 5:08
  about
• 5:08
  green.
• 5:09
  And
• 5:09
  I'm
• 5:09
  going
• 5:09
  to
• 5:09
  read
• 5:09
  the
• 5:10
  passage
• 5:10
  here
• 5:10
  in
• 5:11
  a
• 5:11
  second.
• 5:11
  But
• 5:12
  Joseph
• 5:12
  built
• 5:12
  a
• 5:13
  system,
• 5:14
  and
• 5:14
  that's
• 5:14
  what
• 5:14
  I'm
• 5:15
  going
• 5:15
  to
• 5:15
  encourage
• 5:15
  you
• 5:15
  to
• 5:15
  do
• 5:16
  today,
• 5:16
  is
• 5:16
  build
• 5:17
  a
• 5:17
  system,
• 5:17
  because
• 5:17
  Joseph
• 5:18
  built
• 5:18
  this
• 5:18
  and
• 5:19
  made
• 5:19
  Egypt
• 5:19
  thrive
• 5:20
  when
• 5:20
  everyone
• 5:21
  else
• 5:21
  was
• 5:21
  starving.
• 5:22
  So
• 5:23
  today,
• 5:23
  I'm
• 5:23
  going
• 5:23
  to
• 5:24
  give
• 5:24
  you
• 5:24
  something
• 5:24
  that
• 5:24
  can
• 5:24
  help
• 5:25
  you
• 5:25
  to
• 5:25
  stop
• 5:25
  from
• 5:25
  starving.
• 5:26
  Let's
• 5:26
  get
• 5:26
  right
• 5:26
  into
• 5:26
  the
• 5:26
  book.
• 5:27
  And
• 5:27
  it's
• 5:27
  the
• 5:27
  book
• 5:27
  of
• 5:28
  Genesis,
• 5:28
  chapter
• 5:29
  41,
• 5:30
  verses
• 5:30
  34
• 5:31
  to
• 5:31
  36.
• 5:32
  You
• 5:32
  know,
• 5:32
  one
• 5:32
  of
• 5:32
  the
• 5:32
  things
• 5:32
  I
• 5:32
  do
• 5:32
  on
• 5:33
  the
• 5:33
  show
• 5:33
  is
• 5:33
  I
• 5:33
  want
• 5:34
  to
• 5:34
  ground
• 5:34
  what
• 5:34
  I
• 5:34
  say
• 5:35
  in
• 5:35
  scripture
• 5:35
  because.
• 5:36
  Because
• 5:36
  that
• 5:36
  is
• 5:37
  the
• 5:37
  absolute
• 5:38
  truth
• 5:38
  for
• 5:39
  how
• 5:39
  we
• 5:39
  want
• 5:39
  to
• 5:39
  live
• 5:39
  our
• 5:39
  lives.
• 5:39
  But
• 5:40
  let's
• 5:40
  get
• 5:40
  right
• 5:40
  to
• 5:40
  it.
• 5:40
  Genesis
• 5:41
  41,
• 5:42
  34,
• 5:42
  36.
• 5:44
  Let
• 5:44
  Pharaoh
• 5:45
  appoint
• 5:45
  commissioners
• 5:45
  over
• 5:46
  the
• 5:46
  land
• 5:46
  to
• 5:46
  take
• 5:46
  a
• 5:47
  fifth
• 5:47
  of
• 5:47
  the
• 5:47
  harvest
• 5:47
  of
• 5:48
  Egypt
• 5:48
  during
• 5:48
  the
• 5:49
  seven
• 5:49
  years
• 5:49
  of
• 5:49
  abundance.
• 5:51
  They
• 5:51
  should
• 5:51
  collect
• 5:51
  all
• 5:51
  the
• 5:52
  food
• 5:52
  of
• 5:52
  those
• 5:52
  good
• 5:52
  years
• 5:53
  that
• 5:53
  are
• 5:53
  coming
• 5:53
  and
• 5:54
  store
• 5:54
  up
• 5:54
  the
• 5:54
  grain
• 5:55
  under
• 5:55
  the
• 5:55
  authority
• 5:56
  of
• 5:56
  Pharaoh
• 5:57
  to
• 5:57
  be
• 5:57
  kept
• 5:57
  in
• 5:57
  the
• 5:58
  cities
• 5:58
  for
• 5:58
  food.
• 5:59
  This
• 6:00
  food
• 6:00
  should
• 6:00
  be
• 6:00
  in
• 6:00
  reserve
• 6:01
  for
• 6:01
  the
• 6:01
  country
• 6:02
  to
• 6:02
  be
• 6:02
  used
• 6:02
  during
• 6:03
  the
• 6:03
  seven
• 6:03
  years
• 6:03
  of
• 6:04
  famine
• 6:04
  that
• 6:04
  will
• 6:05
  come
• 6:05
  upon
• 6:06
  Egypt
• 6:07
  so
• 6:07
  that
• 6:07
  the
• 6:07
  country
• 6:07
  may
• 6:08
  not
• 6:08
  be
• 6:08
  ruined
• 6:08
  by
• 6:09
  the
• 6:09
  famine.
• 6:10
  What
• 6:10
  was
• 6:10
  Joseph
• 6:11
  doing
• 6:11
  here?
• 6:12
  He
• 6:12
  had
• 6:13
  a
• 6:13
  mindset.
• 6:14
  He
• 6:15
  realized
• 6:15
  it's
• 6:15
  not
• 6:15
  just
• 6:16
  about
• 6:16
  survival.
• 6:18
  And
• 6:18
  that's
• 6:18
  what
• 6:18
  I'm
• 6:18
  going
• 6:18
  to
• 6:19
  encourage
• 6:19
  you
• 6:19
  today.
• 6:19
  If
• 6:20
  you've
• 6:20
  got
• 6:20
  income
• 6:21
  that
• 6:21
  fluctuates,
• 6:21
  and
• 6:22
  a
• 6:22
  lot
• 6:22
  of
• 6:22
  us
• 6:22
  have
• 6:22
  this
• 6:22
  income
• 6:23
  that
• 6:23
  fluctuates,
• 6:24
  most
• 6:24
  people
• 6:25
  these
• 6:25
  days
• 6:25
  have
• 6:26
  those
• 6:26
  side
• 6:26
  jobs
• 6:27
  or
• 6:27
  have
• 6:27
  income
• 6:28
  in
• 6:28
  sales
• 6:28
  or
• 6:28
  something
• 6:28
  like
• 6:28
  that.
• 6:29
  There
• 6:29
  is
• 6:29
  some
• 6:29
  fluctuation
• 6:29
  in
• 6:30
  this,
• 6:31
  but
• 6:31
  Joseph
• 6:32
  keyed
• 6:32
  in
• 6:32
  on
• 6:32
  this.
• 6:32
  It's
• 6:33
  not
• 6:33
  just
• 6:33
  survival.
• 6:34
  It's
• 6:34
  a
• 6:35
  strategy.
• 6:35
  And
• 6:35
  that
• 6:36
  strategy
• 6:37
  goes
• 6:37
  right
• 6:37
  back
• 6:37
  to
• 6:38
  the
• 6:38
  central
• 6:38
  core
• 6:38
  issue
• 6:39
  of
• 6:39
  this
• 6:39
  show.
• 6:39
  It's
• 6:40
  stewardship.
• 6:41
  And
• 6:42
  so
• 6:42
  many
• 6:42
  people
• 6:43
  have
• 6:43
  said
• 6:43
  to
• 6:43
  me,
• 6:43
  ralph,
• 6:43
  you
• 6:44
  know,
• 6:44
  having
• 6:44
  irregular
• 6:44
  income
• 6:45
  is
• 6:45
  a
• 6:45
  curse.
• 6:46
  I
• 6:46
  hate
• 6:47
  this.
• 6:47
  I
• 6:47
  never
• 6:47
  know
• 6:48
  what
• 6:48
  my
• 6:48
  income
• 6:48
  is.
• 6:48
  I
• 6:48
  just
• 6:49
  want
• 6:49
  to
• 6:49
  go
• 6:49
  get
• 6:49
  one
• 6:49
  of
• 6:49
  those
• 6:50
  jobs
• 6:50
  where
• 6:50
  it's
• 6:51
  just
• 6:51
  the
• 6:51
  same
• 6:51
  income
• 6:52
  every
• 6:52
  month.
• 6:53
  And
• 6:54
  I
• 6:54
  want
• 6:54
  you
• 6:54
  to
• 6:54
  think
• 6:54
  about
• 6:55
  that
• 6:55
  for
• 6:55
  a
• 6:55
  second,
• 6:55
  because
• 6:55
  I
• 6:56
  don't
• 6:56
  think
• 6:56
  that's
• 6:57
  the
• 6:57
  answer.
• 6:58
  Because
• 6:58
  in
• 6:58
  my
• 6:59
  view,
• 6:59
  irregular
• 7:00
  income
• 7:00
  is
• 7:00
  actually
• 7:01
  an
• 7:01
  opportunity.
• 7:02
  You
• 7:03
  might
• 7:03
  be
• 7:03
  saying,
• 7:03
  Ralph,
• 7:03
  okay,
• 7:04
  you
• 7:04
  got
• 7:04
  to
• 7:04
  explain
• 7:04
  this
• 7:05
  one
• 7:05
  to
• 7:05
  me,
• 7:05
  dude,
• 7:05
  you've
• 7:06
  lost
• 7:06
  me
• 7:06
  now.
• 7:07
  But
• 7:07
  see,
• 7:07
  irregular
• 7:08
  income
• 7:08
  is
• 7:08
  an
• 7:09
  opportunity
• 7:09
  to
• 7:09
  show
• 7:09
  discipline
• 7:10
  when
• 7:10
  others
• 7:11
  panic.
• 7:12
  And
• 7:13
  I
• 7:13
  love
• 7:13
  that
• 7:13
  thought.
• 7:14
  It's
• 7:15
  a
• 7:15
  way
• 7:15
  to
• 7:15
  show
• 7:15
  opportunity,
• 7:16
  to
• 7:16
  thrive
• 7:17
  while
• 7:17
  others
• 7:17
  scrape
• 7:18
  by.
• 7:19
  What
• 7:20
  was
• 7:20
  Joseph
• 7:20
  really
• 7:20
  doing?
• 7:21
  He
• 7:21
  saw
• 7:22
  what
• 7:22
  was
• 7:22
  going
• 7:22
  to
• 7:22
  happen.
• 7:23
  He
• 7:24
  knew
• 7:24
  what
• 7:24
  to
• 7:24
  expect.
• 7:25
  He
• 7:25
  had
• 7:25
  a
• 7:25
  plan.
• 7:25
  He
• 7:26
  had
• 7:26
  a
• 7:26
  stewardship
• 7:27
  plan.
• 7:27
  So
• 7:28
  now
• 7:28
  you're
• 7:28
  asking.
• 7:28
  Okay,
• 7:29
  Ralph,
• 7:29
  I
• 7:29
  get
• 7:29
  it.
• 7:29
  What
• 7:29
  can
• 7:30
  we
• 7:30
  do?
• 7:31
  Well,
• 7:31
  here's
• 7:31
  the
• 7:31
  first
• 7:31
  thing
• 7:31
  I
• 7:31
  want
• 7:32
  to
• 7:32
  tell
• 7:32
  you.
• 7:32
  Do
• 7:32
  stop
• 7:32
  listening
• 7:33
  to
• 7:33
  the
• 7:33
  financial
• 7:34
  knuckleheads
• 7:34
  out
• 7:34
  there.
• 7:35
  You
• 7:35
  can't
• 7:35
  smooth
• 7:36
  your
• 7:36
  income
• 7:36
  from
• 7:36
  month
• 7:36
  to
• 7:37
  month.
• 7:37
  That's
• 7:37
  ridiculous.
• 7:38
  It
• 7:38
  doesn't
• 7:38
  work.
• 7:39
  And
• 7:39
  it's
• 7:39
  just
• 7:40
  going
• 7:40
  to
• 7:40
  make
• 7:40
  you
• 7:40
  feel
• 7:40
  guilty
• 7:40
  and
• 7:41
  it's
• 7:41
  going
• 7:41
  to
• 7:41
  make
• 7:41
  you
• 7:41
  feel
• 7:41
  shame
• 7:42
  and
• 7:42
  you're
• 7:42
  going
• 7:42
  to
• 7:42
  stay
• 7:43
  stuck
• 7:43
  in
• 7:43
  this
• 7:43
  cycle
• 7:44
  that
• 7:44
  just
• 7:44
  keeps
• 7:44
  repeating
• 7:45
  us.
• 7:46
  What
• 7:46
  you've
• 7:46
  really
• 7:46
  got
• 7:46
  to
• 7:47
  do
• 7:47
  is
• 7:47
  start
• 7:47
  building
• 7:48
  systems
• 7:48
  that
• 7:48
  turn
• 7:49
  that
• 7:49
  inconsistency
• 7:50
  into
• 7:51
  opportunity.
• 7:52
  See
• 7:52
  the
• 7:52
  answer?
• 7:52
  Like
• 7:52
  I
• 7:53
  said
• 7:53
  on
• 7:53
  yesterday's
• 7:53
  show,
• 7:54
  the
• 7:54
  answer
• 7:55
  isn't
• 7:55
  more
• 7:56
  money.
• 7:57
  The
• 7:57
  answer
• 7:58
  is
• 7:58
  being
• 7:58
  intentional
• 7:59
  and
• 7:59
  living
• 8:00
  an
• 8:00
  intentional
• 8:01
  stewardship
• 8:01
  plan.
• 8:02
  So
• 8:02
  here's
• 8:02
  your
• 8:02
  one
• 8:03
  action
• 8:03
  step
• 8:03
  for
• 8:04
  today.
• 8:04
  I
• 8:04
  always
• 8:04
  want
• 8:05
  to
• 8:05
  give
• 8:05
  you
• 8:05
  something
• 8:05
  that
• 8:05
  you
• 8:06
  can
• 8:06
  take
• 8:06
  away
• 8:06
  from
• 8:06
  this
• 8:06
  show
• 8:07
  because
• 8:07
  I
• 8:07
  present
• 8:08
  an
• 8:08
  idea.
• 8:08
  But
• 8:09
  then
• 8:09
  I
• 8:09
  want
• 8:09
  to
• 8:09
  give
• 8:09
  you
• 8:09
  something
• 8:09
  you
• 8:10
  could
• 8:10
  actually
• 8:10
  do
• 8:11
  to
• 8:11
  do
• 8:11
  something
• 8:12
  to
• 8:12
  change
• 8:12
  this
• 8:13
  dynamic.
• 8:14
  So
• 8:14
  here's
• 8:14
  what
• 8:14
  I'm
• 8:15
  going
• 8:15
  to
• 8:15
  encourage
• 8:15
  you
• 8:15
  to
• 8:15
  do.
• 8:16
  The
• 8:16
  first
• 8:16
  step
• 8:17
  to
• 8:17
  this
• 8:17
  is
• 8:17
  you've
• 8:18
  got
• 8:18
  to
• 8:18
  start
• 8:19
  by
• 8:19
  defining
• 8:19
  your
• 8:20
  essentials.
• 8:21
  Ask
• 8:22
  yourself
• 8:22
  this
• 8:22
  question,
• 8:22
  kind
• 8:23
  of
• 8:23
  like
• 8:23
  what
• 8:23
  I
• 8:23
  talked
• 8:23
  about
• 8:23
  yesterday,
• 8:24
  those
• 8:24
  survival
• 8:25
  things,
• 8:25
  those
• 8:26
  absolute
• 8:27
  needs.
• 8:27
  Let
• 8:28
  me
• 8:28
  encourage
• 8:28
  you
• 8:28
  to
• 8:28
  do
• 8:28
  the
• 8:28
  same
• 8:29
  thing
• 8:29
  today.
• 8:29
  Define
• 8:30
  your
• 8:30
  essentials.
• 8:31
  What
• 8:31
  does
• 8:31
  it
• 8:31
  really
• 8:31
  take
• 8:31
  to
• 8:32
  keep
• 8:32
  the
• 8:32
  lights
• 8:32
  on?
• 8:33
  It's
• 8:33
  a
• 8:33
  really
• 8:33
  blunt
• 8:34
  question.
• 8:35
  Utilities,
• 8:36
  food,
• 8:36
  transportation,
• 8:38
  all
• 8:38
  those
• 8:38
  minimum
• 8:39
  payments
• 8:39
  on
• 8:39
  those
• 8:40
  debts.
• 8:40
  I
• 8:41
  want
• 8:41
  you
• 8:41
  to
• 8:41
  write
• 8:42
  those
• 8:42
  baselines
• 8:43
  down
• 8:43
  because
• 8:43
  that
• 8:43
  is
• 8:44
  the
• 8:44
  definition
• 8:45
  of
• 8:45
  your
• 8:45
  essentials.
• 8:46
  What
• 8:46
  does
• 8:46
  it
• 8:46
  take
• 8:46
  to
• 8:46
  keep
• 8:46
  the
• 8:47
  lights
• 8:47
  on?
• 8:48
  And
• 8:48
  then
• 8:48
  once
• 8:48
  you
• 8:48
  do
• 8:49
  that,
• 8:49
  I
• 8:49
  want
• 8:49
  you
• 8:50
  to
• 8:50
  redefine
• 8:51
  your
• 8:51
  budget.
• 8:51
  You
• 8:52
  need
• 8:52
  to
• 8:52
  stop
• 8:52
  thinking
• 8:52
  about
• 8:52
  it
• 8:53
  like
• 8:53
  some
• 8:53
  monthly
• 8:53
  calendar.
• 8:54
  So
• 8:55
  many
• 8:55
  people
• 8:55
  get
• 8:55
  stuck
• 8:56
  in
• 8:56
  that
• 8:56
  budget
• 8:57
  cycle
• 8:57
  of,
• 8:58
  well,
• 8:58
  this
• 8:58
  month
• 8:58
  I
• 8:58
  got
• 8:59
  this,
• 8:59
  this
• 8:59
  month
• 8:59
  I
• 8:59
  got
• 8:59
  it.
• 9:00
  You
• 9:00
  can't
• 9:00
  do
• 9:00
  that
• 9:00
  if
• 9:01
  your
• 9:01
  income
• 9:01
  is
• 9:02
  irregular.
• 9:02
  It
• 9:02
  just
• 9:03
  doesn't
• 9:03
  work.
• 9:03
  For
• 9:04
  that
• 9:04
  type
• 9:04
  of
• 9:04
  income,
• 9:05
  you've
• 9:05
  got
• 9:05
  to
• 9:06
  develop
• 9:06
  what
• 9:06
  I'm
• 9:07
  going
• 9:07
  to
• 9:07
  refer
• 9:07
  to
• 9:07
  as
• 9:08
  a
• 9:08
  priority
• 9:08
  based
• 9:09
  plan.
• 9:09
  And
• 9:09
  it
• 9:10
  works
• 9:10
  like
• 9:10
  this.
• 9:10
  And
• 9:10
  it's
• 9:11
  not
• 9:11
  rocket
• 9:11
  science.
• 9:12
  Your
• 9:12
  first
• 9:13
  dollars
• 9:13
  go
• 9:13
  to
• 9:14
  those
• 9:14
  essentials.
• 9:14
  What
• 9:14
  does
• 9:15
  it
• 9:15
  really
• 9:15
  take
• 9:15
  to
• 9:16
  keep
• 9:16
  the
• 9:16
  lights
• 9:16
  on?
• 9:16
  That's
• 9:17
  where
• 9:17
  your
• 9:17
  first
• 9:17
  dollars
• 9:17
  go.
• 9:18
  The
• 9:19
  second
• 9:19
  set
• 9:19
  of
• 9:19
  dollars,
• 9:20
  once
• 9:20
  you've
• 9:20
  kept
• 9:21
  the
• 9:21
  lights
• 9:21
  on,
• 9:21
  the
• 9:22
  kids
• 9:22
  have
• 9:22
  food,
• 9:23
  you
• 9:23
  got
• 9:23
  Heat,
• 9:24
  air
• 9:24
  conditioning,
• 9:24
  whatever
• 9:24
  that
• 9:25
  looks
• 9:25
  like
• 9:25
  in
• 9:25
  your
• 9:25
  house.
• 9:25
  You
• 9:25
  got
• 9:26
  gas
• 9:26
  in
• 9:26
  the
• 9:26
  car.
• 9:27
  The
• 9:27
  second
• 9:27
  set
• 9:28
  is
• 9:28
  your
• 9:29
  buffer
• 9:29
  fund.
• 9:30
  That's
• 9:30
  where
• 9:30
  you're
• 9:30
  going
• 9:30
  to
• 9:31
  help
• 9:31
  build
• 9:31
  that
• 9:32
  savings
• 9:32
  account
• 9:32
  for
• 9:33
  those
• 9:33
  months
• 9:33
  that
• 9:33
  you
• 9:34
  have
• 9:34
  less
• 9:34
  income.
• 9:34
  Yes,
• 9:35
  if
• 9:35
  you
• 9:35
  want
• 9:35
  to
• 9:35
  call
• 9:35
  that
• 9:36
  smoothing,
• 9:36
  I
• 9:36
  guess
• 9:36
  you
• 9:36
  can
• 9:37
  argue
• 9:37
  that.
• 9:37
  But
• 9:38
  it's
• 9:38
  really
• 9:38
  a
• 9:38
  different
• 9:39
  mindset.
• 9:40
  And
• 9:40
  the
• 9:40
  final
• 9:41
  thing,
• 9:41
  once
• 9:41
  you
• 9:41
  get
• 9:42
  past
• 9:42
  that,
• 9:43
  then
• 9:43
  you
• 9:43
  can
• 9:43
  spend
• 9:44
  some
• 9:44
  money
• 9:44
  on
• 9:44
  extras,
• 9:45
  because
• 9:45
  you
• 9:46
  got
• 9:46
  to
• 9:46
  build
• 9:46
  that
• 9:46
  buffer
• 9:47
  with
• 9:47
  purpose.
• 9:48
  It's
• 9:48
  not
• 9:48
  just
• 9:49
  about
• 9:49
  surviving
• 9:49
  during
• 9:50
  those
• 9:50
  famine
• 9:50
  months.
• 9:51
  It's
• 9:51
  about
• 9:52
  building
• 9:52
  stability
• 9:53
  and
• 9:53
  giving
• 9:54
  yourself
• 9:54
  options.
• 9:55
  And
• 9:55
  listen,
• 9:55
  here's
• 9:55
  the
• 9:55
  big
• 9:55
  takeaway
• 9:56
  for
• 9:56
  today.
• 9:57
  Target
• 9:57
  about
• 9:57
  one
• 9:58
  to
• 9:58
  three
• 9:58
  months
• 9:58
  of
• 9:59
  essentials.
• 9:59
  It's
• 10:00
  kind
• 10:00
  of
• 10:00
  like
• 10:00
  an
• 10:00
  emergency
• 10:01
  fund,
• 10:01
  but
• 10:01
  that's
• 10:01
  the
• 10:01
  way
• 10:02
  you've
• 10:02
  got
• 10:02
  to
• 10:02
  live.
• 10:02
  If
• 10:03
  you
• 10:03
  have
• 10:03
  this
• 10:03
  type
• 10:04
  of
• 10:04
  income
• 10:05
  that
• 10:05
  fluctuates
• 10:06
  from
• 10:06
  month
• 10:06
  to
• 10:06
  month.
• 10:07
  And
• 10:07
  then
• 10:07
  you
• 10:07
  got
• 10:08
  to
• 10:08
  treat
• 10:08
  those
• 10:08
  feast
• 10:09
  months
• 10:09
  differently.
• 10:10
  So
• 10:10
  many
• 10:10
  people.
• 10:11
  And
• 10:11
  listen,
• 10:11
  I'm
• 10:12
  guilty
• 10:12
  of
• 10:12
  this,
• 10:12
  too.
• 10:13
  So
• 10:13
  many
• 10:13
  people
• 10:14
  who
• 10:14
  live
• 10:14
  in
• 10:14
  this
• 10:14
  type
• 10:15
  of
• 10:15
  economy,
• 10:15
  they've
• 10:16
  got
• 10:16
  a
• 10:16
  great
• 10:16
  month.
• 10:16
  What
• 10:17
  do
• 10:17
  they
• 10:17
  do?
• 10:17
  They
• 10:17
  start
• 10:18
  eating
• 10:18
  out
• 10:18
  more.
• 10:18
  They
• 10:19
  go
• 10:19
  buy
• 10:19
  stuff.
• 10:20
  They
• 10:20
  inflate
• 10:20
  their
• 10:20
  lifestyle.
• 10:21
  I've
• 10:21
  done
• 10:21
  many
• 10:22
  shows
• 10:22
  about
• 10:22
  this.
• 10:23
  You
• 10:23
  can't
• 10:24
  assume
• 10:24
  that's
• 10:25
  going
• 10:25
  to
• 10:25
  last.
• 10:26
  So
• 10:26
  you've
• 10:26
  got
• 10:27
  to
• 10:27
  change
• 10:27
  your
• 10:27
  mindset.
• 10:28
  You
• 10:28
  got
• 10:28
  to
• 10:29
  get
• 10:29
  your
• 10:29
  head
• 10:29
  straight.
• 10:30
  You
• 10:30
  got
• 10:30
  to
• 10:30
  funnel
• 10:31
  those
• 10:31
  extras
• 10:32
  into
• 10:32
  that
• 10:32
  buffer.
• 10:33
  Funnel
• 10:34
  that
• 10:34
  extra
• 10:34
  time
• 10:34
  you
• 10:34
  got.
• 10:34
  Listen,
• 10:35
  if
• 10:35
  you
• 10:35
  don't
• 10:35
  have
• 10:36
  as
• 10:36
  much
• 10:36
  work
• 10:36
  coming
• 10:36
  in,
• 10:37
  take
• 10:37
  that
• 10:37
  time
• 10:38
  investing
• 10:38
  yourself.
• 10:39
  Do
• 10:40
  some
• 10:40
  skill
• 10:40
  building.
• 10:41
  It's
• 10:41
  all
• 10:41
  about
• 10:41
  building
• 10:42
  that
• 10:42
  intentional
• 10:43
  stewardship
• 10:43
  for
• 10:44
  Kingdom
• 10:44
  Impact.
• 10:45
  Because
• 10:46
  when
• 10:46
  you
• 10:46
  do
• 10:46
  this,
• 10:47
  and
• 10:47
  I
• 10:47
  truly
• 10:47
  believe
• 10:48
  this
• 10:48
  works,
• 10:48
  it
• 10:49
  breaks
• 10:49
  that
• 10:49
  fear
• 10:50
  cycle.
• 10:50
  Because
• 10:50
  like
• 10:50
  I
• 10:50
  said,
• 10:51
  that
• 10:51
  is
• 10:51
  what
• 10:51
  is
• 10:51
  motivating
• 10:52
  you.
• 10:52
  You're
• 10:53
  so
• 10:53
  scared
• 10:53
  because
• 10:54
  you
• 10:54
  don't
• 10:54
  know
• 10:54
  what's
• 10:55
  around
• 10:55
  the
• 10:55
  bend.
• 10:56
  And
• 10:56
  this,
• 10:56
  by
• 10:56
  doing
• 10:57
  this,
• 10:57
  it
• 10:57
  gives
• 10:58
  you
• 10:58
  control.
• 10:58
  So
• 10:58
  many
• 10:59
  people,
• 10:59
  like
• 10:59
  that
• 10:59
  guy
• 10:59
  I
• 10:59
  talked
• 10:59
  about,
• 11:00
  the
• 11:00
  coaching
• 11:00
  client
• 11:01
  said,
• 11:01
  ralph,
• 11:01
  I'm
• 11:01
  on
• 11:01
  a
• 11:02
  roller
• 11:02
  coaster.
• 11:02
  What
• 11:03
  he
• 11:03
  was
• 11:03
  really
• 11:03
  saying
• 11:03
  to
• 11:03
  me
• 11:04
  is,
• 11:04
  ralph,
• 11:04
  I
• 11:04
  don't
• 11:05
  have
• 11:05
  any
• 11:05
  control.
• 11:06
  Well,
• 11:06
  let's
• 11:06
  get
• 11:07
  back
• 11:07
  to
• 11:07
  control
• 11:08
  and
• 11:08
  turn
• 11:08
  that
• 11:09
  irregular
• 11:09
  income
• 11:10
  into
• 11:10
  leverage.
• 11:10
  Because,
• 11:10
  listen,
• 11:11
  in
• 11:12
  those
• 11:12
  months
• 11:12
  of
• 11:13
  feast,
• 11:14
  you
• 11:14
  can
• 11:14
  really
• 11:15
  supersize
• 11:15
  that
• 11:16
  budget
• 11:17
  buffer.
• 11:18
  And
• 11:18
  then
• 11:18
  you
• 11:18
  don't
• 11:18
  have
• 11:19
  to
• 11:19
  struggle
• 11:19
  so
• 11:19
  much.
• 11:20
  Why?
• 11:20
  But
• 11:21
  we
• 11:21
  pray
• 11:21
  together,
• 11:21
  Father,
• 11:22
  God,
• 11:22
  confess,
• 11:23
  we've
• 11:23
  let
• 11:23
  fear
• 11:24
  drive
• 11:24
  our
• 11:24
  money
• 11:24
  choices.
• 11:25
  Lord,
• 11:25
  we've
• 11:25
  been
• 11:26
  stuck
• 11:26
  on
• 11:26
  that
• 11:26
  roller
• 11:27
  coaster.
• 11:28
  And
• 11:28
  so
• 11:28
  many
• 11:28
  times
• 11:29
  we
• 11:29
  blamed
• 11:29
  our
• 11:29
  paycheck
• 11:30
  instead
• 11:30
  of
• 11:30
  confronting
• 11:31
  our
• 11:31
  perspective.
• 11:33
  So
• 11:33
  today
• 11:33
  we
• 11:33
  ask
• 11:33
  that
• 11:33
  you
• 11:34
  would
• 11:34
  teach
• 11:34
  us
• 11:34
  to
• 11:34
  see
• 11:35
  irregular
• 11:35
  income
• 11:36
  not
• 11:36
  as
• 11:36
  a
• 11:36
  curse,
• 11:36
  Lord,
• 11:37
  but
• 11:37
  as
• 11:38
  an
• 11:38
  opportunity.
• 11:39
  We
• 11:39
  ask
• 11:39
  that
• 11:39
  you
• 11:40
  would
• 11:40
  give
• 11:40
  us
• 11:40
  wisdom
• 11:40
  like
• 11:41
  Joseph
• 11:41
  to
• 11:41
  prepare
• 11:42
  in
• 11:42
  plenty
• 11:42
  and
• 11:43
  trust
• 11:43
  you
• 11:44
  during
• 11:44
  those
• 11:44
  months
• 11:45
  of
• 11:45
  famine.
• 11:45
  Lord,
• 11:46
  help
• 11:46
  us
• 11:46
  to
• 11:47
  steward
• 11:47
  faithfully,
• 11:48
  not
• 11:48
  fearfully.
• 11:48
  Help
• 11:48
  us
• 11:49
  to
• 11:49
  break
• 11:49
  the
• 11:49
  chain
• 11:50
  of
• 11:50
  fear
• 11:51
  and
• 11:51
  guide
• 11:51
  us
• 11:52
  to
• 11:52
  use
• 11:52
  every
• 11:52
  dollar
• 11:53
  to
• 11:53
  glorify
• 11:53
  you,
• 11:54
  no
• 11:54
  matter
• 11:54
  when
• 11:54
  it
• 11:55
  arrives,
• 11:55
  no
• 11:55
  matter
• 11:56
  what
• 11:56
  it
• 11:56
  looks
• 11:57
  like,
• 11:57
  on
• 11:57
  a
• 11:57
  month
• 11:57
  to
• 11:58
  month
• 11:58
  basis.
• 11:58
  And
• 11:58
  we
• 11:58
  ask
• 11:59
  this
• 11:59
  in
• 11:59
  confidence,
• 12:00
  in
• 12:00
  the
• 12:00
  name
• 12:01
  of
• 12:01
  Jesus.
• 12:02
  Amen.
• 12:04
  Irregular
• 12:04
  income
• 12:05
  isn't
• 12:05
  the
• 12:05
  enemy.
• 12:06
  Know
• 12:07
  your
• 12:07
  enemy.
• 12:07
  If
• 12:07
  you
• 12:07
  want
• 12:08
  to
• 12:08
  be
• 12:08
  successful
• 12:08
  in
• 12:09
  war,
• 12:09
  you've
• 12:09
  got
• 12:10
  to
• 12:10
  know
• 12:10
  your
• 12:10
  enemy.
• 12:11
  Your
• 12:11
  enemy
• 12:12
  now
• 12:12
  is
• 12:12
  fear.
• 12:13
  That
• 12:13
  is
• 12:13
  what
• 12:13
  the
• 12:14
  enemy
• 12:14
  is.
• 12:15
  And
• 12:16
  budgets
• 12:16
  made
• 12:16
  for
• 12:16
  steady
• 12:17
  jobs
• 12:17
  just
• 12:17
  don't
• 12:17
  fit
• 12:17
  your
• 12:18
  world.
• 12:18
  I'm
• 12:18
  sorry
• 12:18
  they're
• 12:18
  not
• 12:19
  going
• 12:19
  to
• 12:19
  work.
• 12:20
  But
• 12:20
  what
• 12:20
  does
• 12:20
  work
• 12:21
  is
• 12:21
  God's
• 12:22
  wisdom,
• 12:22
  the
• 12:22
  wisdom
• 12:23
  of
• 12:23
  Joseph.
• 12:24
  So
• 12:24
  start
• 12:25
  by
• 12:25
  redefining
• 12:26
  what
• 12:26
  is
• 12:26
  enough
• 12:26
  for
• 12:26
  you.
• 12:27
  Build
• 12:27
  a
• 12:28
  system
• 12:28
  like
• 12:28
  we
• 12:28
  talked
• 12:28
  about
• 12:29
  on
• 12:29
  the
• 12:29
  show.
• 12:29
  Those
• 12:30
  baseline
• 12:30
  essentials,
• 12:31
  build
• 12:32
  that
• 12:32
  buffer
• 12:32
  and
• 12:33
  then
• 12:33
  you've
• 12:33
  got
• 12:33
  some
• 12:33
  extras
• 12:34
  and
• 12:35
  sit
• 12:35
  back
• 12:35
  and
• 12:35
  enjoy
• 12:36
  the
• 12:36
  ride.
• 12:36
  But
• 12:37
  turn
• 12:37
  it
• 12:37
  into
• 12:37
  stability.
• 12:39
  And
• 12:39
  now
• 12:39
  maybe
• 12:39
  you
• 12:40
  know
• 12:40
  somebody
• 12:40
  right
• 12:40
  now
• 12:40
  that's
• 12:41
  in
• 12:41
  this
• 12:41
  same
• 12:41
  situation.
• 12:42
  Maybe
• 12:42
  you
• 12:42
  work
• 12:43
  with
• 12:43
  somebody
• 12:43
  in
• 12:44
  the
• 12:44
  sales
• 12:44
  field
• 12:45
  or
• 12:45
  in
• 12:45
  that
• 12:45
  gig
• 12:45
  economy
• 12:46
  that
• 12:46
  those
• 12:46
  side
• 12:47
  hustle
• 12:47
  and
• 12:47
  you're
• 12:47
  thinking,
• 12:48
  Ralph,
• 12:48
  we
• 12:48
  have
• 12:48
  these
• 12:49
  discussions
• 12:49
  all
• 12:49
  the
• 12:49
  time.
• 12:50
  I
• 12:50
  ask
• 12:50
  you
• 12:50
  to
• 12:50
  do
• 12:50
  me
• 12:51
  a
• 12:51
  favor.
• 12:51
  Send
• 12:52
  them
• 12:52
  a
• 12:52
  link
• 12:52
  to
• 12:52
  the
• 12:52
  show,
• 12:53
  send
• 12:53
  them
• 12:53
  a
• 12:53
  link
• 12:53
  to
• 12:53
  the
• 12:54
  podcast
• 12:54
  in
• 12:54
  general.
• 12:55
  They
• 12:55
  can
• 12:56
  gain
• 12:56
  a
• 12:56
  lot
• 12:56
  from
• 12:57
  this.
• 12:57
  Just
• 12:57
  send
• 12:57
  them
• 12:58
  to
• 12:58
  our
• 12:58
  website,
• 12:58
  that's
• 12:59
  financiallyconfidentchristian.com
• 13:02
  and
• 13:02
  let
• 13:02
  them
• 13:03
  become
• 13:03
  part
• 13:03
  of
• 13:03
  this
• 13:04
  movement
• 13:04
  to
• 13:05
  try
• 13:05
  to
• 13:05
  break
• 13:05
  the
• 13:05
  chains
• 13:06
  of
• 13:06
  financial
• 13:07
  shame
• 13:08
  and
• 13:08
  move
• 13:08
  to
• 13:09
  confidence.
• 13:09
  And
• 13:10
  while
• 13:10
  you're
• 13:10
  there,
• 13:10
  I
• 13:10
  want
• 13:10
  to
• 13:10
  give
• 13:11
  you
• 13:11
  a
• 13:11
  free
• 13:11
  copy
• 13:11
  of
• 13:11
  my
• 13:11
  book.
• 13:12
  I
• 13:12
  just
• 13:12
  finished
• 13:12
  writing
• 13:12
  this
• 13:12
  book.
• 13:13
  It's
• 13:13
  called
• 13:13
  how
• 13:13
  to
• 13:13
  Become
• 13:14
  a
• 13:14
  Financially
• 13:15
  Confident
• 13:15
  Christian.
• 13:16
  It's
• 13:16
  a
• 13:16
  great
• 13:16
  book
• 13:17
  to
• 13:17
  help
• 13:17
  you
• 13:17
  really
• 13:18
  get
• 13:18
  your
• 13:18
  mindset
• 13:19
  straight
• 13:19
  because
• 13:19
  that's
• 13:19
  what
• 13:19
  we're
• 13:20
  talking
• 13:20
  about.
• 13:20
  How,
• 13:21
  how
• 13:21
  do
• 13:21
  I
• 13:21
  find
• 13:21
  that
• 13:22
  confidence
• 13:22
  in
• 13:23
  the
• 13:23
  only
• 13:23
  true
• 13:24
  source
• 13:24
  of
• 13:24
  that
• 13:24
  and
• 13:25
  that's
• 13:25
  in
• 13:25
  Jesus
• 13:26
  Christ.
• 13:26
  So
• 13:26
  go
• 13:26
  get
• 13:26
  a
• 13:27
  copy
• 13:27
  of
• 13:27
  that
• 13:27
  book.
• 13:27
  You
• 13:28
  can
• 13:28
  do
• 13:28
  that
• 13:28
  by
• 13:28
  going
• 13:28
  to
• 13:29
  financiallyconfidentchristian.com/becoming
• 13:32
  one
• 13:33
  more
• 13:33
  time,
• 13:33
  no
• 13:34
  strings
• 13:34
  attached,
• 13:35
  financiallyconfidentchristian.com/becoming
• 13:38
  and
• 13:39
  get
• 13:39
  a
• 13:39
  copy
• 13:39
  of
• 13:39
  my
• 13:40
  free
• 13:40
  book.
• 13:40
  You
• 13:40
  will
• 13:40
  absolutely
• 13:41
  love
• 13:41
  it.
• 13:42
  Now
• 13:42
  tomorrow
• 13:42
  we're
• 13:43
  going
• 13:43
  to
• 13:43
  talk
• 13:43
  about
• 13:43
  a
• 13:43
  new
• 13:43
  struggle
• 13:44
  and
• 13:45
  that's
• 13:45
  why
• 13:45
  do
• 13:45
  I
• 13:45
  struggle
• 13:46
  to
• 13:46
  use
• 13:46
  my
• 13:47
  talents
• 13:47
  to
• 13:48
  earn
• 13:48
  more
• 13:48
  money.
• 13:49
  Tomorrow
• 13:49
  I'm
• 13:50
  going
• 13:50
  to
• 13:50
  talk
• 13:50
  about
• 13:50
  how
• 13:50
  to
• 13:50
  boldly
• 13:51
  leverage
• 13:51
  your
• 13:52
  God
• 13:52
  given
• 13:52
  abilities.
• 13:53
  And
• 13:53
  I'm
• 13:53
  going
• 13:53
  to
• 13:54
  give
• 13:54
  you
• 13:54
  a
• 13:54
  little
• 13:54
  sneak
• 13:54
  peek
• 13:55
  if
• 13:55
  you're
• 13:56
  not
• 13:56
  doing
• 13:56
  that.
• 13:57
  We
• 13:57
  may
• 13:57
  be
• 13:58
  thinking
• 13:58
  about
• 13:58
  a
• 13:58
  sin
• 13:59
  situation
• 13:59
  here.
• 13:59
  So
• 14:00
  make
• 14:00
  sure
• 14:00
  you
• 14:00
  join
• 14:00
  me
• 14:00
  tomorrow
• 14:01
  on
• 14:01
  the
• 14:01
  show.
• 14:01
  It's
• 14:02
  really
• 14:02
  going
• 14:02
  to
• 14:02
  be
• 14:02
  a
• 14:02
  great
• 14:03
  show
• 14:03
  tomorrow.
• 14:04
  And
• 14:04
  remember
• 14:04
  this,
• 14:05
  irregular
• 14:06
  income
• 14:06
  isn't
• 14:06
  a
• 14:07
  problem
• 14:07
  to
• 14:07
  fear.
• 14:08
  It's
• 14:09
  an
• 14:09
  opportunity
• 14:09
  to
• 14:10
  steward.
• 14:11
  Now,
• 14:11
  I
• 14:11
  know
• 14:11
  you
• 14:11
  can
• 14:11
  do
• 14:12
  this.
• 14:12
  I
• 14:12
  believe
• 14:13
  in
• 14:13
  you.
• 14:13
  Now
• 14:13
  go
• 14:13
  out
• 14:14
  there
• 14:14
  and
• 14:14
  be
• 14:14
  a
• 14:14
  financially
• 14:15
  confident
• 14:15
  Christian.
• 14:16
  Stay
• 14:16
  financially
• 14:17
  savvy,
• 14:17
  God
• 14:18
  bless
• 14:18
  you,
• 14:18
  and
• 14:19
  you
• 14:19
  have
• 14:19
  a
• 14:19
  great
• 14:19
  day.