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Transcript

What Are the First Steps to Take If I’m Worried About Losing My Job? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:37
  the
• 0:38
  paycheck
• 0:38
  you're
• 0:38
  depending
• 0:39
  on
• 0:39
  suddenly
• 0:40
  stopped?
• 0:42
  That
• 0:42
  quiet
• 0:42
  fear,
• 0:44
  the
• 0:44
  one
• 0:44
  that
• 0:44
  shows
• 0:45
  up
• 0:45
  late
• 0:45
  at
• 0:45
  night,
• 0:47
  the
• 0:47
  one
• 0:47
  that
• 0:47
  whispers,
• 0:48
  what
• 0:49
  if
• 0:49
  I'm
• 0:49
  next?
• 0:51
  Friend,
• 0:51
  if
• 0:52
  you've
• 0:52
  been
• 0:52
  feeling
• 0:52
  that
• 0:53
  weight
• 0:53
  and
• 0:54
  you
• 0:54
  don't
• 0:54
  know
• 0:54
  what
• 0:54
  to
• 0:55
  do
• 0:55
  next,
• 0:56
  today
• 0:56
  I'm
• 0:57
  going
• 0:57
  to
• 0:57
  help
• 0:57
  you
• 0:57
  turn
• 0:57
  that
• 0:57
  fear
• 0:58
  into
• 0:58
  a
• 0:58
  simple
• 0:59
  steady
• 0:59
  plan.
• 1:21
  Hey,
• 1:21
  friend.
• 1:22
  Ralph
• 1:22
  Estep
• 1:23
  Jr.
• 1:23
  Here.
• 1:24
  Welcome
• 1:25
  to
• 1:25
  Financially
• 1:25
  Confident
• 1:26
  Christian,
• 1:27
  where
• 1:27
  every
• 1:28
  day
• 1:28
  I
• 1:28
  help
• 1:28
  you
• 1:28
  break
• 1:28
  that
• 1:29
  cycle
• 1:29
  of
• 1:29
  financial
• 1:30
  shame
• 1:31
  and
• 1:31
  live
• 1:31
  with
• 1:32
  confidence.
• 1:33
  And
• 1:34
  today
• 1:34
  we're
• 1:34
  going
• 1:34
  to
• 1:34
  talk
• 1:34
  about
• 1:35
  a
• 1:35
  topic
• 1:35
  that
• 1:35
  some
• 1:36
  of
• 1:36
  us
• 1:36
  have
• 1:36
  experienced.
• 1:38
  And
• 1:38
  it's
• 1:38
  one
• 1:38
  of
• 1:38
  the
• 1:39
  most
• 1:39
  dreaded,
• 1:39
  fearful
• 1:40
  things
• 1:40
  that
• 1:40
  you
• 1:40
  may
• 1:41
  ever
• 1:41
  go
• 1:41
  through.
• 1:43
  And
• 1:43
  that's
• 1:43
  what
• 1:43
  you
• 1:43
  do
• 1:44
  when
• 1:44
  you're
• 1:44
  worried
• 1:44
  about
• 1:45
  losing
• 1:45
  your
• 1:45
  job.
• 1:47
  So
• 1:47
  many
• 1:48
  of
• 1:48
  us
• 1:48
  are
• 1:48
  defined
• 1:49
  by
• 1:49
  what
• 1:49
  we
• 1:49
  do.
• 1:49
  And
• 1:49
  the
• 1:50
  thought
• 1:50
  of
• 1:50
  losing
• 1:50
  our
• 1:50
  job
• 1:51
  just
• 1:51
  keeps
• 1:51
  us
• 1:51
  up
• 1:51
  at
• 1:52
  night.
• 1:52
  Which
• 1:52
  leads
• 1:52
  me
• 1:52
  to
• 1:53
  today's
• 1:53
  question.
• 1:54
  Listener
• 1:55
  wrote
• 1:55
  this.
• 1:56
  Ralph,
• 1:56
  I'm
• 1:57
  worried
• 1:58
  I
• 1:58
  might
• 1:58
  get
• 1:58
  laid
• 1:59
  off.
• 2:00
  And
• 2:00
  that
• 2:00
  fear
• 2:00
  is
• 2:01
  freezing
• 2:01
  me
• 2:01
  in
• 2:01
  place.
• 2:02
  I
• 2:03
  keep
• 2:03
  thinking
• 2:03
  I
• 2:03
  should
• 2:04
  be
• 2:04
  doing
• 2:04
  something
• 2:04
  to
• 2:05
  prepare,
• 2:05
  yet
• 2:05
  I
• 2:06
  don't
• 2:06
  know
• 2:06
  where
• 2:06
  to
• 2:07
  start.
• 2:09
  Money
• 2:09
  already
• 2:09
  feels
• 2:10
  tight,
• 2:10
  so
• 2:10
  building
• 2:10
  any
• 2:11
  kind
• 2:11
  of
• 2:11
  cushion
• 2:11
  feels
• 2:12
  almost
• 2:12
  impossible.
• 2:14
  I
• 2:15
  don't
• 2:15
  want
• 2:15
  to
• 2:15
  stay
• 2:15
  stuck
• 2:15
  in
• 2:16
  fear.
• 2:17
  So
• 2:17
  what's
• 2:18
  a
• 2:18
  simple
• 2:18
  plan
• 2:18
  I
• 2:19
  can
• 2:19
  follow
• 2:19
  to
• 2:19
  create
• 2:20
  some
• 2:20
  breathing
• 2:20
  room
• 2:21
  even
• 2:22
  in
• 2:22
  this
• 2:22
  situation?
• 2:26
  Now,
• 2:26
  I've
• 2:26
  never
• 2:26
  been
• 2:27
  in
• 2:27
  a
• 2:27
  position
• 2:27
  where
• 2:27
  I
• 2:27
  lost
• 2:28
  a
• 2:28
  job,
• 2:30
  but
• 2:30
  I've
• 2:30
  worked
• 2:30
  with
• 2:31
  so
• 2:31
  many
• 2:31
  people
• 2:32
  over
• 2:32
  my
• 2:32
  30
• 2:32
  year
• 2:33
  career
• 2:33
  who
• 2:33
  have
• 2:33
  been
• 2:34
  right
• 2:34
  here.
• 2:36
  So
• 2:36
  here's
• 2:36
  the
• 2:37
  big
• 2:37
  idea
• 2:37
  for
• 2:37
  today.
• 2:38
  You
• 2:39
  don't
• 2:39
  need
• 2:39
  a
• 2:39
  perfect
• 2:40
  plan.
• 2:41
  If
• 2:41
  you're
• 2:41
  looking
• 2:41
  for
• 2:41
  a
• 2:42
  perfect
• 2:42
  plan,
• 2:42
  guess
• 2:43
  what?
• 2:43
  I
• 2:43
  don't
• 2:43
  have
• 2:44
  one.
• 2:45
  But
• 2:45
  I
• 2:45
  do
• 2:45
  have
• 2:46
  a
• 2:46
  simple,
• 2:46
  faithful
• 2:47
  next
• 2:47
  step.
• 2:48
  So
• 2:48
  let's
• 2:48
  get
• 2:48
  right
• 2:48
  into
• 2:49
  that.
• 2:49
  Today,
• 2:50
  the
• 2:50
  first
• 2:51
  thing
• 2:51
  I'm
• 2:51
  going
• 2:51
  to
• 2:51
  encourage
• 2:51
  you
• 2:52
  to
• 2:52
  do,
• 2:52
  and
• 2:52
  this
• 2:52
  has
• 2:52
  been
• 2:53
  a
• 2:53
  lifesaver
• 2:53
  for
• 2:54
  so
• 2:54
  many
• 2:54
  people
• 2:54
  that
• 2:55
  I've
• 2:55
  counseled
• 2:55
  through
• 2:56
  this.
• 2:57
  Get
• 2:57
  clear
• 2:57
  on
• 2:58
  your
• 2:58
  bare
• 2:59
  minimum
• 2:59
  number.
• 3:01
  Bare
• 3:01
  minimum.
• 3:02
  Because
• 3:03
  right
• 3:03
  now,
• 3:03
  for
• 3:03
  so
• 3:04
  many
• 3:04
  of
• 3:04
  you,
• 3:05
  that
• 3:05
  uncertainty
• 3:06
  feels
• 3:06
  overwhelming
• 3:07
  because
• 3:08
  everything
• 3:09
  feels
• 3:09
  at
• 3:09
  risk.
• 3:10
  Do
• 3:10
  I
• 3:10
  lose
• 3:11
  my
• 3:11
  home?
• 3:12
  How
• 3:12
  do
• 3:12
  I
• 3:12
  feed
• 3:13
  my
• 3:13
  children?
• 3:14
  How
• 3:14
  do
• 3:14
  I
• 3:15
  get
• 3:15
  to
• 3:15
  work?
• 3:16
  So
• 3:16
  we
• 3:17
  got
• 3:17
  to
• 3:17
  start
• 3:17
  by
• 3:17
  simplifying
• 3:18
  this.
• 3:19
  Ask
• 3:19
  yourself,
• 3:19
  what
• 3:20
  is
• 3:20
  the
• 3:20
  bare
• 3:21
  minimum
• 3:21
  it
• 3:21
  takes
• 3:22
  to
• 3:22
  run
• 3:22
  your
• 3:22
  household?
• 3:24
  This
• 3:24
  is
• 3:24
  a
• 3:24
  number
• 3:25
  you've
• 3:25
  got
• 3:25
  to
• 3:25
  know.
• 3:25
  Now,
• 3:25
  I'm
• 3:26
  not
• 3:26
  talking
• 3:26
  about
• 3:26
  your
• 3:26
  ideal
• 3:27
  life
• 3:27
  of
• 3:28
  the
• 3:28
  the
• 3:28
  beautiful
• 3:29
  things
• 3:29
  you
• 3:29
  could
• 3:30
  be
• 3:30
  doing.
• 3:30
  I'm
• 3:30
  talking
• 3:31
  about
• 3:31
  your
• 3:33
  what
• 3:33
  it
• 3:33
  takes
• 3:33
  to
• 3:34
  run
• 3:34
  the
• 3:34
  bare
• 3:34
  minimum.
• 3:35
  Not
• 3:35
  your
• 3:36
  normal
• 3:36
  spending,
• 3:37
  just
• 3:37
  the
• 3:37
  survival
• 3:38
  essentials,
• 3:39
  your
• 3:39
  housing,
• 3:40
  utilities,
• 3:42
  groceries,
• 3:43
  transportation
• 3:44
  and
• 3:45
  insurance.
• 3:45
  Just
• 3:45
  the
• 3:46
  bare
• 3:46
  minimum.
• 3:48
  Because
• 3:48
  when
• 3:48
  you
• 3:48
  Know
• 3:49
  that
• 3:49
  minimum,
• 3:49
  it
• 3:49
  does
• 3:50
  something
• 3:50
  powerful.
• 3:52
  It
• 3:52
  turns
• 3:53
  that
• 3:53
  fear.
• 3:53
  And
• 3:53
  I
• 3:54
  get
• 3:54
  the
• 3:54
  fear,
• 3:54
  trust
• 3:54
  me,
• 3:55
  I
• 3:55
  understand
• 3:55
  it.
• 3:56
  But
• 3:56
  it
• 3:56
  turns
• 3:56
  that
• 3:57
  fear
• 3:57
  into
• 3:57
  something
• 3:58
  measurable.
• 4:00
  And
• 4:00
  when
• 4:00
  something's
• 4:01
  measurable,
• 4:03
  it's
• 4:03
  manageable.
• 4:04
  So
• 4:04
  start
• 4:05
  there.
• 4:05
  Second
• 4:05
  thing
• 4:06
  I'm
• 4:06
  going
• 4:06
  to
• 4:06
  encourage
• 4:06
  you
• 4:06
  to
• 4:06
  do
• 4:07
  is
• 4:07
  create
• 4:08
  a
• 4:08
  short
• 4:08
  term
• 4:09
  stability
• 4:09
  plan.
• 4:11
  Now,
• 4:11
  this
• 4:11
  isn't
• 4:11
  a
• 4:12
  place
• 4:12
  to
• 4:12
  build
• 4:12
  some
• 4:13
  five
• 4:13
  year
• 4:13
  strategy.
• 4:14
  No,
• 4:14
  I'm
• 4:15
  talking
• 4:15
  about
• 4:16
  60,
• 4:17
  90
• 4:17
  day
• 4:18
  stability
• 4:18
  plan.
• 4:20
  Shock,
• 4:21
  test
• 4:21
  it.
• 4:21
  Ask
• 4:21
  yourself
• 4:21
  this,
• 4:22
  if
• 4:22
  my
• 4:22
  income
• 4:23
  changed
• 4:23
  tomorrow,
• 4:25
  I'm
• 4:25
  talking
• 4:25
  about
• 4:25
  tomorrow,
• 4:27
  how
• 4:27
  would
• 4:27
  I
• 4:27
  cover
• 4:28
  my
• 4:28
  essentials?
• 4:30
  This
• 4:30
  is
• 4:30
  something
• 4:30
  I
• 4:30
  would
• 4:31
  encourage
• 4:31
  every
• 4:31
  single
• 4:32
  person.
• 4:32
  Whether
• 4:32
  you
• 4:33
  are
• 4:33
  worried
• 4:33
  about
• 4:33
  losing
• 4:34
  your
• 4:34
  job
• 4:34
  or
• 4:35
  you're
• 4:35
  not
• 4:35
  worried
• 4:35
  about,
• 4:35
  oh,
• 4:36
  I've
• 4:36
  been
• 4:36
  working
• 4:36
  for
• 4:36
  the
• 4:36
  same
• 4:36
  company
• 4:37
  for
• 4:37
  30
• 4:37
  years.
• 4:37
  That
• 4:38
  could
• 4:38
  never
• 4:38
  happen.
• 4:38
  It
• 4:39
  happens.
• 4:40
  So
• 4:40
  ask
• 4:41
  yourself,
• 4:41
  if
• 4:42
  my
• 4:42
  income
• 4:43
  changed
• 4:43
  tomorrow,
• 4:44
  how
• 4:44
  would
• 4:44
  I
• 4:44
  cover
• 4:45
  my
• 4:45
  essentials?
• 4:47
  I'm
• 4:47
  going
• 4:47
  to
• 4:47
  throw
• 4:47
  a
• 4:47
  couple
• 4:48
  ideas
• 4:48
  out
• 4:48
  there.
• 4:48
  Maybe
• 4:49
  you
• 4:49
  pause
• 4:49
  some
• 4:49
  subscriptions.
• 4:51
  One
• 4:51
  of
• 4:51
  the
• 4:51
  big
• 4:51
  things
• 4:52
  I
• 4:52
  think
• 4:52
  you've
• 4:52
  got
• 4:52
  to
• 4:53
  do
• 4:53
  is
• 4:53
  start
• 4:53
  thinking
• 4:53
  about
• 4:53
  reducing
• 4:54
  your
• 4:54
  discretionary
• 4:55
  spending,
• 4:55
  eating
• 4:56
  out,
• 4:56
  travel,
• 4:57
  probably
• 4:58
  not
• 4:58
  going
• 4:58
  to
• 4:58
  happen.
• 5:00
  Identify
• 5:00
  bills
• 5:01
  you
• 5:01
  could
• 5:01
  temporarily
• 5:01
  adjust
• 5:03
  and
• 5:03
  know
• 5:04
  what
• 5:04
  expenses
• 5:04
  are
• 5:04
  flexible.
• 5:06
  But
• 5:06
  ask
• 5:06
  yourself
• 5:07
  that
• 5:07
  question.
• 5:07
  If
• 5:07
  my
• 5:08
  income
• 5:08
  changed
• 5:09
  tomorrow,
• 5:10
  how
• 5:11
  would
• 5:11
  I
• 5:11
  cover
• 5:11
  the
• 5:11
  expenses?
• 5:13
  Because
• 5:14
  when
• 5:14
  you
• 5:14
  live
• 5:14
  in
• 5:14
  this,
• 5:14
  this
• 5:15
  isn't
• 5:15
  living
• 5:15
  in
• 5:15
  panic.
• 5:17
  That's
• 5:17
  the
• 5:17
  thing.
• 5:17
  See
• 5:18
  the
• 5:18
  pivot
• 5:18
  there?
• 5:18
  There's
• 5:18
  a
• 5:19
  big
• 5:19
  difference
• 5:19
  between
• 5:19
  panic
• 5:20
  and
• 5:20
  preparedness.
• 5:21
  This
• 5:21
  is
• 5:21
  all
• 5:21
  about
• 5:22
  being
• 5:22
  prepared.
• 5:24
  Now
• 5:24
  I'm
• 5:24
  going
• 5:24
  to
• 5:24
  get
• 5:25
  on
• 5:25
  my
• 5:25
  soapbox
• 5:25
  again,
• 5:27
  build
• 5:27
  a
• 5:27
  micro
• 5:28
  cushion,
• 5:29
  even
• 5:29
  if
• 5:30
  it's
• 5:30
  small.
• 5:32
  And
• 5:32
  I
• 5:33
  know
• 5:33
  your
• 5:34
  letter
• 5:34
  today,
• 5:34
  I
• 5:35
  know
• 5:35
  it
• 5:35
  feels
• 5:35
  like
• 5:35
  you
• 5:35
  can't
• 5:35
  save
• 5:36
  anything,
• 5:37
  but
• 5:37
  I'm
• 5:37
  not
• 5:37
  talking
• 5:38
  about
• 5:38
  thousands
• 5:39
  of
• 5:39
  dollars
• 5:39
  right
• 5:40
  now.
• 5:41
  So
• 5:41
  many
• 5:41
  people
• 5:41
  get
• 5:41
  hung
• 5:42
  up
• 5:42
  on,
• 5:42
  well,
• 5:42
  you
• 5:43
  know,
• 5:43
  Ralph,
• 5:43
  you
• 5:43
  got
• 5:43
  to
• 5:44
  have
• 5:44
  three
• 5:44
  to
• 5:44
  six
• 5:44
  months
• 5:45
  of
• 5:45
  income
• 5:47
  in
• 5:47
  your
• 5:47
  saf.
• 5:48
  Sounds
• 5:48
  good,
• 5:49
  but
• 5:49
  most
• 5:50
  people
• 5:50
  don't
• 5:50
  get
• 5:51
  to
• 5:51
  that.
• 5:52
  But
• 5:52
  you
• 5:53
  can
• 5:53
  build
• 5:53
  something
• 5:53
  small.
• 5:54
  We're
• 5:54
  talking
• 5:54
  about
• 5:54
  $50,
• 5:55
  $100,
• 5:56
  maybe
• 5:56
  $200.
• 5:58
  And
• 5:59
  think
• 5:59
  about
• 5:59
  it.
• 5:59
  From
• 5:59
  this
• 6:00
  mindset,
• 6:00
  I'm
• 6:00
  not
• 6:01
  building
• 6:01
  a
• 6:01
  full
• 6:01
  emergency
• 6:02
  fund
• 6:02
  today.
• 6:03
  I'm
• 6:03
  creating
• 6:04
  some
• 6:04
  breathing
• 6:05
  room
• 6:07
  because
• 6:07
  that
• 6:07
  will
• 6:07
  help
• 6:08
  reduce
• 6:08
  that
• 6:08
  fear.
• 6:08
  Because
• 6:09
  even
• 6:09
  that
• 6:09
  small
• 6:10
  cushion,
• 6:11
  you
• 6:11
  can
• 6:11
  always
• 6:12
  say,
• 6:12
  oh,
• 6:12
  you
• 6:12
  know,
• 6:12
  I
• 6:12
  got
• 6:12
  $50
• 6:13
  over
• 6:13
  there,
• 6:13
  I
• 6:13
  got
• 6:13
  $100
• 6:14
  over
• 6:14
  there.
• 6:16
  I
• 6:16
  talked
• 6:16
  about
• 6:16
  it
• 6:17
  on
• 6:17
  yesterday's
• 6:17
  show.
• 6:17
  My
• 6:18
  son's
• 6:18
  got
• 6:18
  a
• 6:18
  little
• 6:18
  bit
• 6:18
  of
• 6:19
  money
• 6:19
  set
• 6:19
  aside.
• 6:20
  He
• 6:21
  doesn't
• 6:21
  fear
• 6:21
  that
• 6:22
  every
• 6:22
  day
• 6:22
  now,
• 6:22
  he
• 6:23
  doesn't
• 6:23
  fear
• 6:23
  that
• 6:23
  every
• 6:23
  week
• 6:24
  because
• 6:24
  he
• 6:25
  knows
• 6:25
  he's
• 6:25
  got
• 6:25
  a
• 6:25
  little
• 6:26
  margin.
• 6:28
  Now,
• 6:28
  while
• 6:28
  you're
• 6:28
  living
• 6:28
  in
• 6:29
  this
• 6:29
  reality,
• 6:29
  maybe
• 6:30
  you
• 6:30
  increase
• 6:30
  some
• 6:31
  income
• 6:31
  Maybe
• 6:32
  some
• 6:32
  optional
• 6:33
  income
• 6:33
  pathways.
• 6:34
  This
• 6:35
  is
• 6:35
  a
• 6:35
  place
• 6:35
  where
• 6:35
  you
• 6:36
  can
• 6:36
  take
• 6:36
  back
• 6:36
  some
• 6:36
  control.
• 6:37
  So
• 6:37
  many
• 6:37
  people
• 6:38
  think
• 6:38
  there's
• 6:38
  no
• 6:38
  control.
• 6:39
  I
• 6:39
  can't
• 6:39
  do
• 6:39
  anything,
• 6:39
  Ralph.
• 6:40
  There's
• 6:40
  nothing
• 6:41
  I
• 6:41
  can
• 6:41
  do.
• 6:41
  Yeah,
• 6:42
  you
• 6:42
  can't
• 6:42
  control
• 6:43
  your
• 6:43
  employer's
• 6:44
  decision.
• 6:45
  You
• 6:45
  can't
• 6:46
  control
• 6:46
  what
• 6:46
  the
• 6:46
  big
• 6:47
  corporation
• 6:47
  does.
• 6:48
  Maybe
• 6:48
  you're
• 6:48
  working
• 6:48
  for.
• 6:49
  But
• 6:50
  what
• 6:50
  you
• 6:50
  can
• 6:50
  do
• 6:51
  is
• 6:51
  begin
• 6:51
  creating
• 6:52
  some
• 6:52
  options
• 6:53
  for
• 6:53
  yourself.
• 6:54
  Ask
• 6:55
  yourself,
• 6:55
  what's
• 6:56
  one
• 6:56
  way
• 6:56
  I
• 6:56
  could
• 6:56
  bring
• 6:56
  in
• 6:57
  extra
• 6:57
  income
• 6:57
  if
• 6:58
  I
• 6:58
  needed
• 6:58
  to?
• 6:59
  Know
• 7:00
  this
• 7:00
  ahead
• 7:00
  of
• 7:00
  time.
• 7:01
  Don't
• 7:02
  be
• 7:02
  reactionary.
• 7:03
  Know
• 7:03
  ahead
• 7:03
  of
• 7:03
  time.
• 7:03
  Maybe
• 7:04
  it's
• 7:04
  overtime.
• 7:05
  Maybe
• 7:06
  you've
• 7:06
  got
• 7:06
  a
• 7:06
  business
• 7:07
  right
• 7:07
  now
• 7:07
  that,
• 7:07
  hey,
• 7:08
  there's
• 7:08
  plenty
• 7:08
  of
• 7:08
  overtime.
• 7:09
  You're
• 7:09
  like,
• 7:09
  I'm
• 7:09
  really
• 7:09
  tired.
• 7:10
  Rap
• 7:10
  it.
• 7:11
  Work
• 7:11
  some
• 7:11
  overtime.
• 7:13
  Bank
• 7:13
  that
• 7:14
  money.
• 7:15
  Maybe
• 7:15
  build
• 7:15
  some
• 7:16
  freelance
• 7:16
  work.
• 7:17
  Sell
• 7:17
  a
• 7:18
  skill
• 7:18
  that
• 7:18
  you
• 7:18
  have.
• 7:18
  Look
• 7:18
  for
• 7:19
  part
• 7:19
  time
• 7:19
  opportunities
• 7:21
  or
• 7:21
  help
• 7:22
  someone
• 7:22
  in
• 7:22
  your
• 7:22
  network.
• 7:24
  You
• 7:25
  don't
• 7:25
  have
• 7:25
  to
• 7:25
  launch
• 7:25
  something
• 7:26
  huge
• 7:26
  and
• 7:27
  cumbersome.
• 7:28
  You
• 7:28
  just
• 7:28
  need
• 7:29
  to
• 7:29
  prove
• 7:29
  to
• 7:29
  yourself
• 7:30
  that
• 7:30
  I'm
• 7:30
  not
• 7:31
  stuck.
• 7:32
  You've
• 7:33
  got
• 7:33
  some.
• 7:33
  Go
• 7:33
  to
• 7:34
  some
• 7:34
  plans.
• 7:35
  Plan
• 7:35
  A
• 7:35
  might
• 7:35
  not
• 7:36
  work.
• 7:36
  Well,
• 7:36
  then
• 7:36
  you
• 7:36
  go
• 7:36
  to
• 7:36
  plan
• 7:37
  B
• 7:37
  or
• 7:37
  you
• 7:37
  pivot
• 7:38
  to
• 7:38
  plan
• 7:38
  C.
• 7:38
  But
• 7:39
  you're
• 7:39
  saying
• 7:40
  to
• 7:40
  yourself,
• 7:40
  I
• 7:40
  don't
• 7:40
  have
• 7:41
  to
• 7:41
  live
• 7:41
  in
• 7:41
  fear
• 7:41
  because
• 7:42
  I
• 7:42
  can
• 7:42
  do
• 7:43
  this.
• 7:43
  I
• 7:43
  got
• 7:43
  some
• 7:43
  other
• 7:44
  ideas.
• 7:46
  But
• 7:46
  when
• 7:46
  you
• 7:46
  feel
• 7:46
  yourself
• 7:47
  in
• 7:47
  that
• 7:48
  state
• 7:48
  of
• 7:48
  panic,
• 7:50
  replace
• 7:51
  that
• 7:51
  panic
• 7:51
  with
• 7:52
  prayer
• 7:52
  and
• 7:52
  action.
• 7:55
  So
• 7:55
  many
• 7:55
  of
• 7:55
  us
• 7:56
  live
• 7:56
  in
• 7:56
  this
• 7:56
  state
• 7:56
  of
• 7:57
  fear.
• 7:59
  And
• 7:59
  when
• 7:59
  you
• 7:59
  live
• 8:00
  in
• 8:00
  that
• 8:00
  state
• 8:00
  of
• 8:00
  fear,
• 8:01
  it's
• 8:01
  going
• 8:01
  to
• 8:01
  keep
• 8:02
  trying
• 8:02
  to
• 8:03
  take
• 8:03
  over
• 8:03
  your
• 8:04
  thoughts.
• 8:05
  That's
• 8:05
  what
• 8:05
  fear
• 8:06
  does,
• 8:07
  it
• 8:07
  captures
• 8:08
  all
• 8:08
  your
• 8:08
  thoughts.
• 8:09
  I
• 8:09
  can
• 8:10
  think
• 8:10
  of
• 8:10
  so
• 8:10
  many
• 8:10
  sleepless
• 8:11
  nights
• 8:12
  when
• 8:12
  I
• 8:12
  look
• 8:12
  back
• 8:13
  at
• 8:13
  why
• 8:13
  it
• 8:13
  was
• 8:13
  I
• 8:14
  was
• 8:14
  fearing
• 8:14
  something.
• 8:16
  So
• 8:16
  you
• 8:16
  need
• 8:16
  a
• 8:17
  rhythm.
• 8:18
  And
• 8:18
  when
• 8:18
  fear
• 8:18
  arises,
• 8:19
  you
• 8:20
  respond
• 8:20
  with
• 8:20
  prayer.
• 8:22
  Lord,
• 8:22
  I
• 8:22
  don't
• 8:22
  know
• 8:23
  what
• 8:23
  to
• 8:23
  do
• 8:23
  here.
• 8:23
  But
• 8:23
  man,
• 8:23
  I
• 8:24
  know
• 8:24
  you're
• 8:24
  going
• 8:24
  to
• 8:24
  show
• 8:24
  me.
• 8:24
  You're
• 8:25
  going
• 8:25
  to
• 8:25
  give
• 8:25
  me
• 8:25
  something
• 8:25
  to
• 8:26
  do.
• 8:26
  And
• 8:26
  in
• 8:26
  one
• 8:26
  small
• 8:27
  action.
• 8:28
  This
• 8:29
  isn't
• 8:29
  a
• 8:29
  time
• 8:29
  to
• 8:29
  take
• 8:29
  10
• 8:30
  pieces
• 8:30
  of
• 8:30
  action.
• 8:31
  I'm
• 8:31
  talking
• 8:31
  about
• 8:31
  one
• 8:32
  thing.
• 8:34
  Know
• 8:34
  what
• 8:34
  your
• 8:34
  bottom
• 8:35
  line
• 8:35
  is.
• 8:35
  Know
• 8:35
  your
• 8:35
  bare
• 8:36
  minimum.
• 8:37
  Build
• 8:37
  some
• 8:37
  pivots
• 8:38
  into
• 8:38
  this
• 8:38
  system.
• 8:40
  Because
• 8:40
  it's
• 8:40
  one
• 8:41
  thing
• 8:41
  to
• 8:41
  think
• 8:41
  about
• 8:41
  it,
• 8:42
  but
• 8:43
  that
• 8:43
  action
• 8:43
  breaks
• 8:44
  that
• 8:44
  paralysis.
• 8:46
  And
• 8:46
  that
• 8:47
  prayer.
• 8:47
  I
• 8:47
  truly
• 8:48
  believe
• 8:48
  this
• 8:48
  with
• 8:48
  all
• 8:48
  of
• 8:49
  my
• 8:49
  heart.
• 8:49
  That
• 8:49
  prayer
• 8:50
  brings
• 8:50
  peace
• 8:50
  into
• 8:51
  the
• 8:51
  unknown.
• 8:54
  Because,
• 8:54
  friend,
• 8:54
  remember
• 8:55
  this.
• 8:55
  You're
• 8:55
  never
• 8:56
  walking
• 8:56
  into
• 8:57
  uncertainty
• 8:57
  alone.
• 8:59
  God
• 8:59
  has
• 9:00
  said
• 9:00
  he
• 9:00
  will
• 9:00
  never
• 9:00
  leave
• 9:00
  us
• 9:00
  nor
• 9:01
  forsake
• 9:01
  us.
• 9:01
  He's
• 9:02
  always
• 9:02
  there
• 9:02
  for
• 9:03
  us.
• 9:04
  So
• 9:05
  even
• 9:05
  when
• 9:05
  you're
• 9:05
  feeling
• 9:06
  this
• 9:06
  fear,
• 9:06
  and
• 9:06
  it's
• 9:07
  a
• 9:07
  real
• 9:07
  fear,
• 9:07
  I
• 9:08
  get
• 9:08
  it.
• 9:08
  I'm
• 9:08
  not
• 9:08
  minimizing
• 9:09
  it
• 9:10
  you're
• 9:10
  not
• 9:11
  powerless.
• 9:12
  God
• 9:13
  is
• 9:13
  with
• 9:13
  you.
• 9:13
  Hey,
• 9:14
  he
• 9:14
  might
• 9:14
  be
• 9:14
  carrying
• 9:15
  you
• 9:15
  right
• 9:15
  now.
• 9:16
  And
• 9:16
  you
• 9:17
  do
• 9:17
  have
• 9:17
  a
• 9:17
  next
• 9:17
  step.
• 9:19
  So
• 9:19
  here's
• 9:19
  your
• 9:20
  next
• 9:20
  step.
• 9:20
  Here's
• 9:20
  your
• 9:20
  win
• 9:21
  for
• 9:21
  today.
• 9:22
  I
• 9:22
  really
• 9:22
  want
• 9:23
  to
• 9:23
  encourage
• 9:23
  everybody
• 9:24
  in
• 9:24
  the
• 9:24
  audience
• 9:24
  to
• 9:24
  write
• 9:25
  down
• 9:25
  your
• 9:25
  bare
• 9:26
  minimum
• 9:26
  monthly
• 9:27
  number.
• 9:27
  Just
• 9:27
  know
• 9:27
  what
• 9:28
  that
• 9:28
  is.
• 9:29
  You
• 9:29
  may
• 9:29
  never
• 9:29
  have
• 9:30
  to
• 9:30
  use
• 9:30
  it.
• 9:30
  Just
• 9:30
  one
• 9:31
  number,
• 9:32
  figure
• 9:32
  it
• 9:33
  out.
• 9:33
  Because
• 9:34
  that
• 9:34
  clarity
• 9:35
  alone
• 9:35
  will
• 9:35
  calm
• 9:35
  more
• 9:36
  fear
• 9:36
  than
• 9:36
  you
• 9:36
  realize.
• 9:37
  When
• 9:37
  I've
• 9:37
  worked
• 9:37
  with
• 9:38
  clients,
• 9:38
  first
• 9:39
  thing
• 9:39
  I
• 9:39
  did
• 9:39
  when
• 9:39
  they
• 9:39
  had
• 9:40
  a
• 9:40
  struggle
• 9:40
  like
• 9:40
  this,
• 9:40
  I
• 9:40
  said,
• 9:41
  let's
• 9:41
  figure
• 9:41
  out
• 9:41
  your
• 9:41
  bare
• 9:42
  minimum.
• 9:43
  And
• 9:43
  you'll
• 9:43
  be
• 9:43
  shocked.
• 9:44
  Oh,
• 9:44
  wow.
• 9:44
  It's
• 9:45
  really
• 9:45
  that.
• 9:45
  Oh,
• 9:45
  I
• 9:45
  can
• 9:45
  do
• 9:46
  that.
• 9:46
  It's
• 9:47
  not
• 9:47
  so
• 9:47
  bad
• 9:48
  because
• 9:48
  I
• 9:48
  don't
• 9:48
  have
• 9:48
  to
• 9:48
  do
• 9:48
  this.
• 9:49
  I
• 9:49
  can
• 9:49
  do
• 9:49
  this.
• 9:49
  But
• 9:50
  know
• 9:50
  what
• 9:50
  it
• 9:50
  is.
• 9:51
  Well,
• 9:51
  let's
• 9:52
  get
• 9:52
  right
• 9:52
  into
• 9:52
  the
• 9:52
  word.
• 9:53
  We're
• 9:54
  going
• 9:54
  to
• 9:54
  go
• 9:54
  to
• 9:54
  the
• 9:54
  book
• 9:54
  of
• 9:54
  Joshua
• 9:55
  today.
• 9:55
  I
• 9:55
  don't
• 9:55
  think
• 9:56
  I've
• 9:56
  ever
• 9:56
  used
• 9:56
  Joshua
• 9:56
  on
• 9:57
  the
• 9:57
  program,
• 9:57
  but
• 9:57
  we
• 9:57
  got
• 9:57
  a
• 9:57
  great
• 9:58
  one
• 9:58
  today
• 9:58
  From
• 9:58
  Joshua,
• 9:59
  chapter
• 9:59
  1,
• 9:59
  verse
• 10:00
  9
• 10:01
  says
• 10:02
  this,
• 10:02
  Joshua
• 10:02
  1:9.
• 10:03
  Have
• 10:03
  I
• 10:03
  not
• 10:04
  commanded
• 10:04
  you
• 10:05
  be
• 10:06
  strong
• 10:06
  and
• 10:06
  courageous?
• 10:08
  Do
• 10:08
  not
• 10:08
  be
• 10:09
  afraid
• 10:09
  and
• 10:10
  do
• 10:10
  not
• 10:10
  be
• 10:10
  discouraged.
• 10:11
  For
• 10:12
  the
• 10:12
  Lord
• 10:12
  your
• 10:12
  God
• 10:13
  will
• 10:13
  be
• 10:13
  with
• 10:13
  you
• 10:13
  wherever
• 10:14
  you
• 10:14
  go.
• 10:16
  Man,
• 10:17
  that
• 10:17
  feels
• 10:17
  like
• 10:17
  a
• 10:17
  flex
• 10:17
  to
• 10:18
  me.
• 10:19
  That's
• 10:19
  God's
• 10:20
  flex
• 10:20
  for
• 10:20
  me.
• 10:21
  But
• 10:22
  what's
• 10:22
  it
• 10:22
  telling
• 10:22
  us?
• 10:23
  Even
• 10:24
  in
• 10:24
  uncertain
• 10:25
  seasons,
• 10:27
  you're
• 10:28
  going
• 10:28
  to
• 10:28
  have
• 10:28
  uncertain
• 10:28
  seasons.
• 10:31
  God's
• 10:31
  presence
• 10:32
  is
• 10:32
  your
• 10:32
  constant.
• 10:33
  He's
• 10:33
  always
• 10:33
  with
• 10:34
  us.
• 10:35
  And
• 10:36
  that
• 10:36
  gives
• 10:36
  you
• 10:36
  courage
• 10:37
  to
• 10:37
  take
• 10:37
  the
• 10:37
  next
• 10:37
  step.
• 10:39
  And
• 10:40
  you
• 10:40
  can
• 10:40
  take
• 10:40
  that
• 10:40
  next
• 10:41
  step
• 10:41
  knowing
• 10:41
  he's
• 10:41
  there
• 10:41
  with
• 10:41
  you.
• 10:42
  Let's
• 10:42
  pray
• 10:42
  to
• 10:42
  God
• 10:42
  right
• 10:43
  now.
• 10:43
  Heavenly
• 10:43
  Father,
• 10:44
  right
• 10:45
  now,
• 10:45
  at
• 10:45
  this
• 10:45
  moment,
• 10:45
  I
• 10:46
  lift
• 10:46
  up
• 10:46
  my
• 10:46
  friend
• 10:46
  who's
• 10:47
  carrying
• 10:47
  the
• 10:47
  weight
• 10:48
  of
• 10:48
  uncertainty
• 10:49
  right
• 10:49
  at
• 10:49
  this
• 10:49
  moment.
• 10:51
  And
• 10:51
  Lord,
• 10:51
  you
• 10:51
  see
• 10:52
  their
• 10:52
  fear.
• 10:54
  You
• 10:54
  see
• 10:54
  those
• 10:54
  questions
• 10:55
  they
• 10:55
  can't
• 10:55
  answer.
• 10:57
  And,
• 10:57
  yeah,
• 10:57
  you
• 10:58
  see
• 10:58
  the
• 10:58
  pressure
• 10:58
  they
• 10:58
  feel
• 10:59
  to
• 10:59
  hold
• 10:59
  everything
• 11:00
  together.
• 11:03
  So,
• 11:03
  Lord,
• 11:03
  right
• 11:03
  now,
• 11:03
  at
• 11:04
  this
• 11:04
  very
• 11:04
  moment,
• 11:04
  I
• 11:05
  ask
• 11:05
  you
• 11:05
  to
• 11:05
  replace
• 11:06
  that
• 11:06
  fear
• 11:06
  with
• 11:06
  peace.
• 11:08
  And
• 11:08
  give
• 11:09
  them
• 11:09
  clarity
• 11:09
  where
• 11:09
  they
• 11:10
  feel
• 11:10
  overwhelmed.
• 11:12
  And
• 11:12
  give
• 11:12
  them
• 11:13
  courage
• 11:13
  to
• 11:13
  take
• 11:14
  one
• 11:14
  simple
• 11:15
  step
• 11:15
  today.
• 11:17
  And
• 11:17
  in
• 11:18
  the
• 11:18
  end,
• 11:18
  remind
• 11:18
  us
• 11:18
  all
• 11:20
  that
• 11:20
  our
• 11:20
  security
• 11:20
  is
• 11:21
  not
• 11:21
  found
• 11:21
  in
• 11:21
  a
• 11:21
  job,
• 11:23
  but
• 11:23
  it
• 11:23
  is
• 11:23
  found
• 11:24
  in
• 11:24
  you.
• 11:25
  Be
• 11:25
  our
• 11:26
  provider.
• 11:27
  Be
• 11:27
  our
• 11:28
  peace.
• 11:29
  And
• 11:29
  be
• 11:29
  our
• 11:30
  guide
• 11:30
  in
• 11:30
  this
• 11:31
  very
• 11:31
  moment.
• 11:32
  And
• 11:32
  we
• 11:33
  ask
• 11:33
  this
• 11:33
  in
• 11:33
  Jesus
• 11:34
  name.
• 11:36
  Amen.
• 11:39
  Friend,
• 11:39
  you
• 11:39
  may
• 11:39
  not
• 11:39
  control
• 11:40
  the
• 11:40
  future.
• 11:42
  Guess
• 11:43
  what?
• 11:43
  You're
• 11:43
  not
• 11:43
  going
• 11:43
  to
• 11:43
  control
• 11:43
  the
• 11:44
  future.
• 11:45
  But
• 11:46
  you
• 11:46
  can
• 11:46
  take
• 11:46
  faithful
• 11:47
  steps
• 11:47
  today.
• 11:49
  And
• 11:49
  if
• 11:49
  you're
• 11:49
  going
• 11:50
  through
• 11:50
  a
• 11:50
  crisis,
• 11:50
  if
• 11:51
  you've
• 11:51
  got
• 11:51
  a
• 11:51
  struggle
• 11:51
  you
• 11:52
  want
• 11:52
  me
• 11:52
  to
• 11:52
  help
• 11:52
  you
• 11:52
  with,
• 11:53
  I
• 11:53
  would
• 11:53
  love
• 11:53
  to
• 11:53
  hear
• 11:54
  from
• 11:54
  you.
• 11:55
  We
• 11:55
  just
• 11:55
  redid
• 11:56
  this
• 11:56
  site.
• 11:56
  You
• 11:56
  can
• 11:56
  go
• 11:57
  to
• 11:57
  financiallyconfidentchristian.com/question
• 12:01
  We'll
• 12:02
  put
• 12:02
  a
• 12:02
  link
• 12:02
  in
• 12:02
  the
• 12:02
  show
• 12:03
  notes,
• 12:03
  but
• 12:03
  again,
• 12:03
  it's
• 12:04
  financiallyconfidentchristian.com/question.
• 12:09
  Tell
• 12:09
  me
• 12:10
  what's
• 12:10
  going
• 12:10
  on
• 12:10
  in
• 12:10
  your
• 12:10
  life
• 12:10
  and
• 12:11
  let
• 12:11
  me
• 12:11
  see
• 12:11
  if
• 12:11
  I
• 12:11
  can
• 12:11
  help
• 12:11
  you.
• 12:13
  Well,
• 12:13
  thank
• 12:13
  you
• 12:13
  so
• 12:13
  much
• 12:14
  for
• 12:14
  joining
• 12:14
  me
• 12:14
  today.
• 12:15
  I
• 12:15
  want
• 12:15
  to
• 12:15
  encourage
• 12:15
  you.
• 12:16
  You
• 12:17
  can
• 12:17
  do
• 12:17
  this.
• 12:17
  I
• 12:18
  have
• 12:18
  confidence
• 12:18
  in
• 12:18
  you.
• 12:19
  Stay
• 12:19
  financially
• 12:20
  savvy.
• 12:20
  May
• 12:20
  God
• 12:20
  bless
• 12:21
  you.
• 12:22
  And
• 12:22
  you
• 12:22
  have
• 12:22
  a
• 12:22
  great
• 12:23
  day
• 12:23
  today.