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What Actually Matters Most in a Tight Budget? · Becoming Financially Confident

• 0:37
  When
• 0:37
  you
• 0:37
  don't
• 0:38
  have
• 0:38
  enough
• 0:38
  money
• 0:38
  to
• 0:38
  do
• 0:39
  everything,
• 0:40
  the
• 0:40
  hardest
• 0:40
  part
• 0:40
  isn't
• 0:41
  the
• 0:41
  math.
• 0:42
  It's
• 0:42
  the
• 0:43
  mental
• 0:43
  chaos.
• 0:45
  And
• 0:45
  so
• 0:45
  many
• 0:45
  people
• 0:46
  say,
• 0:46
  save
• 0:47
  more.
• 0:48
  Pay
• 0:48
  off
• 0:48
  those
• 0:49
  debts,
• 0:50
  build
• 0:50
  that
• 0:51
  emergency
• 0:51
  fund.
• 0:52
  Hey,
• 0:52
  you
• 0:52
  gotta
• 0:53
  invest
• 0:54
  better.
• 0:54
  Cut
• 0:54
  those
• 0:55
  expenses,
• 0:56
  and
• 0:56
  don't
• 0:57
  forget
• 0:57
  to
• 0:57
  give.
• 0:59
  And
• 0:59
  you're
• 0:59
  sitting
• 0:59
  there
• 1:00
  thinking,
• 1:00
  I
• 1:01
  can't
• 1:01
  even
• 1:01
  breathe
• 1:01
  right
• 1:02
  now.
• 1:03
  Well,
• 1:03
  if
• 1:03
  you
• 1:03
  ever
• 1:03
  feel
• 1:04
  paralyzed
• 1:04
  because
• 1:04
  you
• 1:05
  can't
• 1:05
  do
• 1:05
  it
• 1:05
  all,
• 1:06
  today,
• 1:06
  I'm
• 1:06
  going
• 1:06
  to
• 1:07
  give
• 1:07
  you
• 1:07
  something
• 1:07
  simple.
• 1:08
  Not
• 1:08
  complicated,
• 1:10
  not
• 1:10
  trendy,
• 1:11
  just
• 1:11
  a
• 1:11
  clear
• 1:12
  order
• 1:12
  so
• 1:13
  you
• 1:13
  can
• 1:13
  move
• 1:13
  forward
• 1:14
  with
• 1:14
  peace.
• 1:37
  Hello,
• 1:37
  friend.
• 1:38
  Ralph
• 1:38
  Estep
• 1:39
  Jr.
• 1:39
  Here.
• 1:39
  This
• 1:40
  is
• 1:40
  financially
• 1:40
  confident
• 1:41
  Christian,
• 1:42
  where
• 1:42
  every
• 1:42
  day
• 1:42
  my
• 1:43
  goal
• 1:43
  is
• 1:43
  to
• 1:43
  break
• 1:43
  that
• 1:44
  cycle
• 1:44
  of
• 1:44
  financial
• 1:45
  shame
• 1:45
  and
• 1:46
  truly
• 1:46
  help
• 1:47
  you
• 1:47
  live
• 1:47
  with
• 1:47
  financial
• 1:48
  confidence.
• 1:49
  And
• 1:50
  today's
• 1:50
  topic
• 1:51
  is
• 1:51
  what
• 1:51
  actually
• 1:52
  matters
• 1:52
  most
• 1:53
  when
• 1:53
  money
• 1:54
  is
• 1:54
  tight.
• 1:55
  And
• 1:55
  I
• 1:55
  don't
• 1:56
  know
• 1:56
  about
• 1:56
  you,
• 1:56
  but
• 1:56
  money's
• 1:57
  tight
• 1:57
  sometimes.
• 1:58
  Let's
• 1:59
  get
• 1:59
  right
• 1:59
  to
• 1:59
  our
• 1:59
  listener
• 2:00
  question
• 2:00
  today.
• 2:00
  And
• 2:01
  they
• 2:01
  wrote
• 2:01
  this.
• 2:01
  Ralph,
• 2:02
  I
• 2:02
  am
• 2:03
  so
• 2:03
  overwhelmed
• 2:03
  by
• 2:04
  all
• 2:04
  the
• 2:04
  categories
• 2:05
  and
• 2:05
  budgeting
• 2:05
  rules.
• 2:06
  Saving
• 2:08
  debt,
• 2:09
  those
• 2:09
  bills,
• 2:10
  emergency
• 2:10
  funds,
• 2:12
  can't
• 2:12
  do
• 2:12
  it
• 2:12
  all.
• 2:13
  And
• 2:14
  I'm
• 2:14
  starting
• 2:14
  to
• 2:14
  be
• 2:14
  paralyzed
• 2:15
  trying
• 2:15
  to
• 2:16
  decide
• 2:16
  what
• 2:16
  comes
• 2:17
  first.
• 2:18
  I'm
• 2:18
  tired
• 2:18
  of
• 2:19
  feeling
• 2:19
  like
• 2:19
  I'm
• 2:19
  failing
• 2:20
  because
• 2:20
  I
• 2:20
  can't
• 2:20
  follow
• 2:21
  all
• 2:21
  the
• 2:21
  advice
• 2:21
  I
• 2:22
  get.
• 2:23
  When
• 2:23
  you
• 2:23
  don't
• 2:23
  have
• 2:24
  enough
• 2:24
  to
• 2:24
  go
• 2:24
  around,
• 2:25
  what
• 2:25
  actually
• 2:26
  matters
• 2:26
  most?
• 2:28
  I
• 2:28
  just
• 2:28
  need
• 2:28
  a
• 2:28
  simple
• 2:29
  plan
• 2:29
  so
• 2:29
  I
• 2:29
  can
• 2:29
  stop
• 2:30
  feeling
• 2:30
  so
• 2:30
  lost
• 2:31
  and
• 2:31
  reactive.
• 2:32
  What
• 2:33
  a
• 2:33
  great
• 2:33
  question.
• 2:34
  A
• 2:34
  lot
• 2:34
  of
• 2:34
  honesty
• 2:35
  in
• 2:35
  that
• 2:35
  question.
• 2:36
  So
• 2:37
  today's
• 2:37
  big
• 2:37
  idea
• 2:38
  is
• 2:38
  this.
• 2:38
  When
• 2:38
  money
• 2:39
  is
• 2:39
  tight,
• 2:40
  clarity
• 2:41
  beats
• 2:41
  complexity.
• 2:43
  The
• 2:43
  truth
• 2:44
  is
• 2:44
  you
• 2:44
  don't
• 2:44
  need
• 2:44
  17
• 2:45
  categories.
• 2:47
  You
• 2:47
  just
• 2:47
  need
• 2:47
  some
• 2:48
  order.
• 2:49
  So
• 2:49
  let's
• 2:49
  do
• 2:49
  a
• 2:50
  hierarchy
• 2:50
  today
• 2:50
  so
• 2:51
  I
• 2:51
  can
• 2:51
  give
• 2:51
  you
• 2:51
  some
• 2:51
  of
• 2:51
  that
• 2:52
  order.
• 2:52
  This
• 2:52
  is
• 2:52
  really
• 2:53
  the
• 2:53
  main
• 2:53
  things
• 2:54
  you
• 2:54
  want
• 2:54
  to
• 2:54
  focus
• 2:54
  on.
• 2:54
  First
• 2:55
  thing,
• 2:55
  you've
• 2:56
  got
• 2:56
  to
• 2:56
  stabilize
• 2:57
  the
• 2:57
  essentials.
• 2:59
  Things
• 2:59
  like
• 2:59
  food,
• 3:00
  you
• 3:00
  got
• 3:00
  to
• 3:00
  eat,
• 3:02
  housing.
• 3:02
  It's
• 3:03
  a
• 3:03
  pretty
• 3:03
  good
• 3:03
  thing
• 3:04
  to
• 3:04
  have
• 3:04
  some
• 3:04
  place
• 3:04
  to
• 3:05
  sleep,
• 3:05
  keep
• 3:05
  your
• 3:06
  head
• 3:06
  warm,
• 3:06
  keep
• 3:07
  your
• 3:07
  head
• 3:07
  dry.
• 3:08
  And
• 3:08
  utilities.
• 3:10
  And
• 3:10
  of
• 3:10
  course,
• 3:10
  transportation.
• 3:11
  You
• 3:11
  don't
• 3:11
  want
• 3:11
  to
• 3:11
  forget
• 3:12
  that
• 3:12
  because
• 3:12
  you've
• 3:13
  got
• 3:13
  to
• 3:13
  have
• 3:13
  transportation
• 3:14
  so
• 3:14
  you
• 3:14
  can
• 3:14
  make
• 3:14
  money.
• 3:16
  I
• 3:16
  look
• 3:16
  at
• 3:16
  it
• 3:16
  like
• 3:17
  this.
• 3:17
  If
• 3:17
  it
• 3:17
  keeps
• 3:17
  you
• 3:18
  alive
• 3:18
  and
• 3:19
  it
• 3:19
  allows
• 3:19
  you
• 3:19
  to
• 3:19
  work,
• 3:20
  that's
• 3:21
  what
• 3:21
  comes
• 3:21
  first.
• 3:22
  So
• 3:23
  to
• 3:23
  really
• 3:23
  answer
• 3:24
  your
• 3:24
  question,
• 3:24
  it's
• 3:25
  not
• 3:25
  Netflix,
• 3:26
  it's
• 3:26
  not
• 3:26
  those
• 3:27
  subscriptions.
• 3:28
  And
• 3:28
  listen,
• 3:29
  it's
• 3:29
  not
• 3:29
  even
• 3:29
  those
• 3:29
  extra
• 3:30
  debt
• 3:30
  payments.
• 3:32
  Sometimes
• 3:33
  it's
• 3:33
  just,
• 3:33
  you
• 3:33
  gotta
• 3:33
  just
• 3:34
  get
• 3:34
  to
• 3:34
  what
• 3:34
  is
• 3:35
  the
• 3:35
  most
• 3:35
  important.
• 3:35
  That
• 3:36
  stability
• 3:37
  before
• 3:37
  strategy.
• 3:39
  Next
• 3:39
  thing
• 3:39
  you
• 3:40
  gotta
• 3:40
  consider
• 3:40
  is
• 3:40
  you've
• 3:41
  got
• 3:41
  to
• 3:41
  stop
• 3:42
  the
• 3:42
  bleeding.
• 3:43
  You
• 3:44
  ever
• 3:44
  go
• 3:44
  to
• 3:44
  an
• 3:44
  or,
• 3:45
  the
• 3:45
  first
• 3:45
  thing
• 3:45
  they
• 3:45
  do
• 3:46
  is
• 3:46
  they
• 3:46
  assess
• 3:46
  you,
• 3:46
  if
• 3:47
  you're
• 3:47
  bleeding,
• 3:47
  they
• 3:47
  want
• 3:47
  to
• 3:48
  stop
• 3:48
  that
• 3:48
  bleeding
• 3:48
  first.
• 3:50
  And
• 3:50
  if
• 3:50
  you're,
• 3:50
  right
• 3:51
  now
• 3:51
  you're
• 3:51
  facing
• 3:51
  overdrafts,
• 3:53
  if
• 3:53
  you're
• 3:53
  facing
• 3:54
  late
• 3:54
  fees
• 3:54
  or
• 3:55
  penalties,
• 3:57
  pause.
• 3:59
  Those
• 3:59
  extra
• 3:59
  goals
• 4:00
  don't
• 4:00
  matter,
• 4:01
  don't
• 4:01
  matter
• 4:01
  at
• 4:01
  all
• 4:01
  right
• 4:02
  now.
• 4:02
  What
• 4:02
  matters
• 4:02
  is
• 4:02
  stopping
• 4:03
  the
• 4:03
  bleeding.
• 4:03
  You
• 4:03
  got
• 4:04
  to
• 4:04
  prevent
• 4:04
  new
• 4:04
  damage
• 4:05
  first.
• 4:06
  Because
• 4:07
  every
• 4:07
  $35
• 4:08
  fee,
• 4:09
  I
• 4:09
  don't
• 4:09
  know
• 4:09
  how
• 4:09
  many
• 4:09
  times
• 4:10
  people
• 4:10
  have
• 4:10
  written
• 4:10
  to
• 4:10
  me,
• 4:10
  they
• 4:11
  say,
• 4:11
  ralph,
• 4:11
  I
• 4:11
  get
• 4:12
  in
• 4:12
  this
• 4:12
  cycle
• 4:13
  of
• 4:13
  these
• 4:13
  $35
• 4:15
  recharges
• 4:16
  to
• 4:16
  my
• 4:16
  account
• 4:17
  and
• 4:17
  it's
• 4:18
  just
• 4:18
  stealing
• 4:18
  my
• 4:18
  met,
• 4:18
  my
• 4:19
  momentum
• 4:19
  up.
• 4:19
  I
• 4:20
  wanted
• 4:20
  to
• 4:20
  use
• 4:20
  that
• 4:20
  money
• 4:21
  to
• 4:21
  pay
• 4:21
  off
• 4:21
  debt.
• 4:23
  But
• 4:23
  we
• 4:23
  got
• 4:24
  to
• 4:24
  stop
• 4:24
  by
• 4:24
  plugging
• 4:25
  the
• 4:25
  leaks
• 4:25
  first.
• 4:26
  We
• 4:26
  got
• 4:27
  to
• 4:27
  plug
• 4:27
  the
• 4:27
  leaks
• 4:27
  before
• 4:28
  we
• 4:28
  can
• 4:28
  ever
• 4:28
  build
• 4:28
  wealth.
• 4:30
  Here's
• 4:30
  the
• 4:30
  next
• 4:30
  thing
• 4:30
  I'm
• 4:31
  going
• 4:31
  to
• 4:31
  encourage
• 4:31
  you
• 4:31
  to
• 4:32
  do.
• 4:32
  You've
• 4:33
  got
• 4:33
  to
• 4:33
  create
• 4:33
  just
• 4:34
  a
• 4:34
  tiny
• 4:34
  buffer.
• 4:35
  Now
• 4:35
  this
• 4:36
  isn't
• 4:36
  some
• 4:36
  full
• 4:37
  fledged
• 4:37
  emergency
• 4:38
  fund
• 4:38
  of
• 4:39
  three
• 4:39
  to
• 4:39
  six
• 4:39
  months
• 4:40
  of
• 4:40
  income.
• 4:40
  Those
• 4:41
  are
• 4:41
  great
• 4:41
  things
• 4:41
  to
• 4:41
  work
• 4:42
  towards,
• 4:43
  but
• 4:43
  just
• 4:43
  a
• 4:43
  starter
• 4:44
  cushion
• 4:44
  here,
• 4:45
  even
• 4:46
  $500,
• 4:47
  dare
• 4:47
  I
• 4:47
  say
• 4:48
  even
• 4:48
  $300?
• 4:50
  Because
• 4:51
  what
• 4:51
  you've
• 4:51
  heard
• 4:51
  me
• 4:51
  say
• 4:52
  on
• 4:52
  the
• 4:52
  show
• 4:52
  before,
• 4:52
  and
• 4:52
  it's
• 4:53
  the
• 4:53
  truth,
• 4:54
  emergencies
• 4:55
  aren't
• 4:55
  if
• 4:56
  scenarios,
• 4:57
  they're
• 4:58
  when
• 4:58
  scenarios.
• 4:59
  I
• 5:00
  wish
• 5:00
  I
• 5:00
  could
• 5:00
  tell
• 5:00
  you
• 5:00
  that
• 5:00
  your
• 5:01
  life
• 5:01
  is
• 5:01
  never
• 5:01
  going
• 5:01
  to
• 5:01
  have
• 5:02
  emergencies.
• 5:02
  Well,
• 5:02
  guess
• 5:03
  what?
• 5:03
  I've
• 5:03
  been
• 5:03
  around
• 5:03
  this
• 5:04
  earth
• 5:04
  for
• 5:04
  53
• 5:05
  years.
• 5:06
  Something
• 5:06
  always
• 5:07
  comes
• 5:07
  up.
• 5:09
  And
• 5:09
  that
• 5:09
  small
• 5:09
  buffer
• 5:10
  built
• 5:11
  really
• 5:11
  gives
• 5:11
  you
• 5:12
  some
• 5:12
  breathing
• 5:12
  room.
• 5:13
  Here's
• 5:14
  another
• 5:14
  thing
• 5:14
  I'm
• 5:14
  going
• 5:14
  to
• 5:14
  encourage
• 5:15
  you
• 5:15
  to
• 5:15
  do
• 5:15
  because
• 5:15
  a
• 5:15
  lot
• 5:15
  of
• 5:15
  people
• 5:16
  miss
• 5:16
  this
• 5:16
  one.
• 5:17
  Minimum
• 5:18
  debt
• 5:18
  payments.
• 5:19
  At
• 5:19
  least
• 5:21
  you
• 5:21
  don't
• 5:21
  want
• 5:21
  to
• 5:21
  wreck
• 5:22
  your
• 5:22
  credit.
• 5:23
  You
• 5:23
  don't
• 5:23
  have
• 5:23
  to
• 5:23
  be
• 5:24
  real
• 5:24
  aggressive
• 5:24
  when
• 5:24
  times
• 5:25
  are
• 5:25
  tight.
• 5:25
  Listen,
• 5:25
  make
• 5:26
  sure
• 5:26
  you're
• 5:26
  at
• 5:26
  least
• 5:27
  making
• 5:27
  the
• 5:27
  minimum
• 5:27
  debt
• 5:28
  payments.
• 5:28
  Now
• 5:28
  you
• 5:28
  might
• 5:28
  be
• 5:28
  saying,
• 5:29
  ralph,
• 5:29
  I'm
• 5:29
  never
• 5:29
  going
• 5:29
  to
• 5:30
  get
• 5:30
  ahead.
• 5:30
  That's
• 5:31
  fair.
• 5:32
  But
• 5:32
  we
• 5:32
  also
• 5:32
  don't
• 5:33
  want
• 5:33
  to
• 5:33
  get
• 5:33
  behind.
• 5:34
  And
• 5:34
  it's
• 5:34
  real
• 5:35
  easy
• 5:35
  to
• 5:35
  get
• 5:35
  emotional
• 5:36
  here.
• 5:37
  Now
• 5:37
  that
• 5:38
  said,
• 5:38
  don't
• 5:38
  stay
• 5:38
  on
• 5:39
  the
• 5:39
  minimum
• 5:39
  path
• 5:40
  forever,
• 5:41
  but
• 5:41
  we
• 5:41
  got
• 5:42
  to
• 5:42
  at
• 5:42
  least
• 5:42
  make
• 5:42
  those
• 5:43
  minimum
• 5:43
  payments.
• 5:43
  One
• 5:43
  of
• 5:43
  my
• 5:44
  big
• 5:44
  things
• 5:44
  I
• 5:45
  tell
• 5:45
  all
• 5:45
  the
• 5:45
  people
• 5:45
  I
• 5:46
  work
• 5:46
  with
• 5:46
  is
• 5:47
  set
• 5:47
  up
• 5:47
  every
• 5:47
  one
• 5:48
  of
• 5:48
  your
• 5:48
  loans,
• 5:48
  if
• 5:49
  you
• 5:49
  can,
• 5:49
  to
• 5:50
  at
• 5:50
  least
• 5:50
  be
• 5:50
  automatic
• 5:51
  payment
• 5:51
  for
• 5:52
  the
• 5:52
  minimum.
• 5:53
  Now
• 5:53
  I'm
• 5:53
  not
• 5:53
  saying
• 5:54
  set
• 5:54
  it
• 5:54
  and
• 5:54
  forget
• 5:54
  it,
• 5:55
  but
• 5:55
  we've
• 5:55
  got
• 5:55
  to
• 5:56
  protect
• 5:56
  our
• 5:56
  credit
• 5:57
  as
• 5:57
  we
• 5:58
  stabilize
• 5:58
  our
• 5:58
  peace.
• 5:59
  We
• 5:59
  got
• 5:59
  to
• 5:59
  stabilize
• 6:00
  that
• 6:00
  peace
• 6:00
  in
• 6:00
  our
• 6:00
  lives.
• 6:03
  And
• 6:03
  finally,
• 6:03
  then
• 6:04
  and
• 6:04
  only
• 6:04
  then,
• 6:05
  once
• 6:05
  you've
• 6:06
  got
• 6:06
  all
• 6:06
  those
• 6:06
  things
• 6:07
  done,
• 6:07
  once
• 6:08
  you've
• 6:08
  got
• 6:08
  the
• 6:08
  essentials,
• 6:10
  you've
• 6:10
  stopped
• 6:11
  the
• 6:11
  bleeding,
• 6:12
  you've
• 6:12
  set
• 6:12
  up
• 6:12
  Those
• 6:13
  automatic
• 6:13
  payments,
• 6:13
  you've
• 6:14
  built
• 6:14
  that
• 6:14
  tiny
• 6:15
  buffer,
• 6:16
  that's
• 6:16
  when
• 6:16
  you
• 6:16
  can
• 6:16
  talk
• 6:17
  about
• 6:17
  increasing
• 6:17
  your
• 6:18
  margin.
• 6:20
  Because
• 6:20
  if
• 6:20
  you
• 6:20
  can't
• 6:20
  talk
• 6:21
  about
• 6:21
  it
• 6:21
  right
• 6:21
  now,
• 6:22
  when
• 6:22
  you're
• 6:22
  hurting,
• 6:22
  when
• 6:23
  you're
• 6:23
  trying
• 6:23
  to
• 6:23
  figure
• 6:23
  out
• 6:23
  where
• 6:23
  the
• 6:23
  next
• 6:24
  dollar
• 6:24
  is
• 6:24
  going
• 6:24
  to
• 6:24
  come
• 6:25
  from.
• 6:26
  So
• 6:26
  when
• 6:26
  you
• 6:26
  get
• 6:26
  to
• 6:27
  that
• 6:27
  point,
• 6:27
  that's
• 6:27
  when
• 6:27
  you
• 6:28
  start
• 6:28
  talking
• 6:28
  about
• 6:28
  that
• 6:29
  extra
• 6:29
  debt
• 6:30
  payoff.
• 6:30
  Those
• 6:30
  are
• 6:30
  great
• 6:31
  things.
• 6:31
  We've
• 6:31
  talked
• 6:32
  on
• 6:32
  this
• 6:32
  show
• 6:32
  about
• 6:33
  the
• 6:33
  snowball
• 6:33
  and
• 6:34
  the
• 6:34
  avalanche
• 6:34
  method.
• 6:35
  Those
• 6:35
  are
• 6:35
  great
• 6:36
  things.
• 6:37
  Don't
• 6:37
  just
• 6:37
  set
• 6:37
  those
• 6:38
  minimums
• 6:38
  and
• 6:38
  don't
• 6:38
  forget
• 6:39
  about
• 6:39
  them.
• 6:39
  You'll
• 6:39
  go
• 6:39
  back
• 6:40
  to
• 6:40
  that.
• 6:41
  This
• 6:41
  is
• 6:41
  a
• 6:41
  great
• 6:42
  time
• 6:42
  to
• 6:42
  talk
• 6:42
  about
• 6:42
  investing.
• 6:43
  Absolutely.
• 6:44
  Long
• 6:45
  term
• 6:45
  growth
• 6:45
  is
• 6:45
  the
• 6:46
  answer.
• 6:47
  But
• 6:47
  not
• 6:47
  before
• 6:48
  you
• 6:48
  plug
• 6:48
  the
• 6:48
  leaks,
• 6:49
  not
• 6:49
  before
• 6:49
  you
• 6:49
  stop
• 6:50
  the
• 6:50
  bleeding.
• 6:51
  You've
• 6:52
  got
• 6:52
  to
• 6:52
  build
• 6:52
  in
• 6:53
  layers
• 6:54
  because
• 6:54
  what
• 6:54
  we're
• 6:55
  really
• 6:55
  talking
• 6:55
  about
• 6:55
  today
• 6:56
  is
• 6:56
  order,
• 6:57
  creating
• 6:57
  peace.
• 6:59
  So
• 7:00
  today's
• 7:00
  big
• 7:01
  single
• 7:01
  step,
• 7:01
  takeaway,
• 7:03
  you
• 7:03
  don't
• 7:03
  have
• 7:03
  to
• 7:03
  redo
• 7:04
  your
• 7:04
  whole
• 7:04
  budget.
• 7:06
  I
• 7:06
  just
• 7:06
  want
• 7:06
  you
• 7:06
  to
• 7:06
  write
• 7:07
  these
• 7:07
  four
• 7:07
  words
• 7:08
  on
• 7:08
  paper
• 7:08
  and
• 7:08
  I
• 7:09
  put
• 7:09
  them
• 7:09
  somewhere
• 7:09
  where
• 7:09
  you'll
• 7:09
  keep
• 7:10
  them.
• 7:10
  But
• 7:10
  here's
• 7:11
  the
• 7:11
  four
• 7:11
  words.
• 7:12
  Stability,
• 7:14
  stop
• 7:14
  bleeding,
• 7:16
  small
• 7:16
  buffer,
• 7:17
  and
• 7:17
  minimum
• 7:18
  payments.
• 7:19
  When
• 7:20
  times
• 7:20
  are
• 7:20
  tough,
• 7:20
  and
• 7:21
  listen,
• 7:21
  we've
• 7:21
  all
• 7:21
  had
• 7:22
  those
• 7:22
  times
• 7:22
  when
• 7:23
  things
• 7:23
  were
• 7:23
  tough,
• 7:23
  where
• 7:24
  is
• 7:24
  this
• 7:24
  money
• 7:24
  going
• 7:24
  to
• 7:24
  come
• 7:25
  from?
• 7:26
  That's
• 7:26
  your
• 7:26
  filter
• 7:27
  to
• 7:27
  use.
• 7:28
  Stability,
• 7:29
  stop
• 7:29
  bleeding,
• 7:30
  small
• 7:30
  buffer,
• 7:31
  and
• 7:31
  minimum
• 7:32
  payments.
• 7:34
  And
• 7:34
  if
• 7:34
  a
• 7:34
  decision
• 7:35
  doesn't
• 7:35
  support
• 7:35
  that
• 7:36
  order,
• 7:37
  it
• 7:37
  waits.
• 7:39
  Let's
• 7:39
  get
• 7:39
  to
• 7:39
  today's
• 7:40
  Bible
• 7:40
  verse.
• 7:40
  It
• 7:40
  comes
• 7:40
  to
• 7:40
  us
• 7:41
  from
• 7:41
  the
• 7:41
  book
• 7:41
  of
• 7:41
  First
• 7:42
  Corinthians,
• 7:42
  chapter
• 7:43
  14,
• 7:43
  verse
• 7:44
  33.
• 7:45
  And
• 7:45
  this
• 7:46
  one
• 7:46
  just
• 7:46
  absolutely
• 7:47
  knocks
• 7:47
  it
• 7:47
  out
• 7:47
  of
• 7:47
  the
• 7:48
  park
• 7:49
  again,
• 7:49
  First
• 7:49
  Corinthians
• 7:50
  14:33.
• 7:52
  For
• 7:53
  God
• 7:53
  is
• 7:53
  not
• 7:53
  a
• 7:53
  God
• 7:54
  of
• 7:54
  disorder,
• 7:55
  but
• 7:55
  of
• 7:55
  peace.
• 7:57
  So
• 7:57
  when
• 7:58
  your
• 7:58
  finances
• 7:58
  feel
• 7:59
  chaotic,
• 8:01
  God's
• 8:01
  design
• 8:01
  for
• 8:02
  your
• 8:02
  life
• 8:02
  is
• 8:02
  order.
• 8:04
  And
• 8:04
  that
• 8:04
  order,
• 8:05
  and
• 8:05
  I
• 8:05
  promise
• 8:06
  you
• 8:06
  this
• 8:07
  order
• 8:07
  leads
• 8:08
  to
• 8:08
  peace
• 8:08
  in
• 8:08
  your
• 8:08
  life.
• 8:09
  Let's
• 8:09
  pray
• 8:10
  together.
• 8:11
  Lord,
• 8:11
  you
• 8:12
  see
• 8:12
  the
• 8:12
  overwhelm,
• 8:14
  you
• 8:14
  see
• 8:14
  the
• 8:14
  stress
• 8:14
  when
• 8:15
  those
• 8:15
  numbers
• 8:15
  don't
• 8:16
  stretch
• 8:16
  far
• 8:16
  enough.
• 8:17
  So
• 8:18
  Lord,
• 8:18
  right
• 8:18
  now
• 8:18
  bring
• 8:19
  clarity
• 8:19
  where
• 8:20
  there
• 8:20
  has
• 8:20
  been
• 8:20
  confusion.
• 8:22
  Replace
• 8:22
  panic
• 8:23
  with
• 8:23
  order.
• 8:24
  Replace
• 8:25
  that
• 8:25
  shame
• 8:25
  that
• 8:26
  so
• 8:26
  many
• 8:26
  of
• 8:26
  us
• 8:26
  feel.
• 8:26
  Lord,
• 8:27
  with
• 8:27
  wisdom
• 8:28
  and
• 8:29
  Lord,
• 8:29
  help
• 8:29
  my
• 8:29
  friend
• 8:29
  focus
• 8:30
  on
• 8:30
  what
• 8:30
  truly
• 8:31
  matters
• 8:31
  first.
• 8:33
  Give
• 8:33
  them
• 8:33
  discipline
• 8:34
  to
• 8:34
  stabilize
• 8:35
  and
• 8:35
  encourage
• 8:36
  to
• 8:37
  take
• 8:37
  one
• 8:37
  simple
• 8:38
  step
• 8:38
  forward.
• 8:39
  Because
• 8:40
  we
• 8:40
  know
• 8:40
  you're
• 8:40
  not
• 8:40
  a
• 8:40
  God
• 8:41
  of
• 8:41
  chaos,
• 8:42
  you're
• 8:43
  a
• 8:43
  God
• 8:43
  of
• 8:43
  peace.
• 8:45
  So
• 8:45
  let
• 8:45
  that
• 8:45
  peace
• 8:45
  guard
• 8:46
  their
• 8:46
  heart
• 8:46
  and
• 8:47
  all
• 8:47
  of
• 8:47
  our
• 8:47
  minds
• 8:48
  today.
• 8:48
  And
• 8:48
  we
• 8:48
  ask
• 8:48
  this
• 8:49
  in
• 8:49
  Jesus
• 8:50
  name,
• 8:51
  Amen.
• 8:54
  Friends,
• 8:54
  you're
• 8:54
  not
• 8:55
  failing.
• 8:56
  You
• 8:56
  just
• 8:57
  needed
• 8:57
  a
• 8:57
  little
• 8:57
  order.
• 8:57
  And
• 8:58
  I
• 8:58
  think
• 8:58
  today
• 8:58
  really
• 8:58
  gives
• 8:59
  you
• 8:59
  that
• 8:59
  order.
• 9:00
  And
• 9:00
  if
• 9:00
  you've
• 9:00
  got
• 9:00
  a
• 9:00
  question
• 9:01
  for
• 9:01
  the
• 9:01
  show.
• 9:01
  I
• 9:01
  love
• 9:02
  answering
• 9:02
  questions
• 9:03
  on
• 9:03
  this
• 9:03
  show.
• 9:03
  Go
• 9:04
  to
• 9:04
  financiallyconfidentchristian.com/question.
• 9:08
  We'll
• 9:08
  put
• 9:08
  that
• 9:08
  in
• 9:08
  the
• 9:09
  show
• 9:09
  notes.
• 9:09
  But
• 9:09
  here
• 9:09
  it
• 9:09
  is
• 9:10
  again
• 9:10
  for
• 9:10
  you
• 9:10
  because
• 9:10
  again
• 9:11
  I
• 9:11
  want
• 9:11
  to
• 9:11
  hear
• 9:11
  from
• 9:12
  you.
• 9:12
  Financiallyconfidentchristian.com/question
• 9:16
  thank
• 9:17
  you
• 9:17
  so
• 9:17
  much
• 9:17
  for
• 9:17
  joining
• 9:18
  me
• 9:18
  today
• 9:18
  as
• 9:18
  I
• 9:18
  always
• 9:19
  end
• 9:19
  the
• 9:19
  show,
• 9:20
  stay
• 9:20
  financially
• 9:21
  savvy,
• 9:22
  may
• 9:22
  God
• 9:22
  bless
• 9:23
  you,
• 9:23
  and
• 9:24
  I'll
• 9:24
  see
• 9:24
  you
• 9:24
  again
• 9:24
  on
• 9:24
  tomorrow's
• 9:25
  show.
• 9:25
  Have
• 9:26
  a
• 9:26
  great
• 9:26
  day.