Latest / Becoming Financially Confident / What’s Your “Cheap but Makes Me Feel Rich” Habit?

Transcript

What’s Your “Cheap but Makes Me Feel Rich” Habit? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:37
  feeling
• 0:37
  rich
• 0:37
  had
• 0:37
  nothing
• 0:37
  to
• 0:37
  do
• 0:37
  with
• 0:37
  how
• 0:37
  much
• 0:37
  money
• 0:37
  you
• 0:37
  spend?
• 0:37
  What
• 0:37
  if
• 0:37
  some
• 0:37
  of
• 0:37
  the
• 0:37
  most
• 0:37
  refreshing
• 0:37
  life
• 0:37
  giving
• 0:37
  moments
• 0:37
  cost
• 0:37
  little
• 0:37
  to
• 0:37
  nothing
• 0:37
  at
• 0:37
  all?
• 0:37
  Because
• 0:37
  let's
• 0:37
  be
• 0:37
  honest,
• 0:37
  sometimes
• 0:37
  the
• 0:37
  most
• 0:37
  expensive
• 0:37
  part
• 0:37
  of
• 0:37
  life
• 0:37
  is
• 0:37
  how
• 0:37
  heavy
• 0:37
  it
• 0:37
  feels.
• 0:37
  And
• 0:37
  today
• 0:37
  we're
• 0:37
  going
• 0:37
  to
• 0:37
  talk
• 0:37
  about
• 0:37
  how
• 0:37
  small,
• 0:37
  simple
• 0:37
  habits
• 0:37
  can
• 0:37
  help
• 0:37
  you
• 0:37
  breathe
• 0:37
  again
• 0:37
  without
• 0:37
  breaking
• 0:37
  your
• 0:37
  budget.
• 0:37
  Real
• 0:37
  practical
• 0:37
  show
• 0:37
  today.
• 0:37
  Hello
• 0:37
  friend,
• 0:37
  Ralph
• 0:37
  Estep
• 0:37
  Jr.
• 0:37
  Here.
• 0:37
  This
• 0:37
  is
• 0:37
  financially
• 0:37
  confident
• 0:37
  Christian,
• 0:37
  where
• 0:37
  my
• 0:37
  goal
• 0:37
  every
• 0:37
  day
• 0:37
  is
• 0:37
  to
• 0:37
  help
• 0:37
  you
• 0:37
  break
• 0:37
  that
• 0:37
  cycle
• 0:37
  of
• 0:37
  financial
• 0:37
  shame
• 0:37
  and
• 0:37
  find
• 0:37
  confidence.
• 0:37
  So
• 0:37
  today's
• 0:37
  question
• 0:37
  is
• 0:37
  what's
• 0:37
  your
• 0:37
  cheap
• 0:37
  but
• 0:37
  makes
• 0:37
  me
• 0:37
  feel
• 0:37
  rich
• 0:37
  habit?
• 0:37
  We
• 0:37
  got
• 0:37
  this
• 0:37
  question.
• 0:37
  I
• 0:37
  said,
• 0:37
  oh,
• 0:37
  this
• 0:37
  is
• 0:37
  perfect.
• 0:37
  Great
• 0:37
  question
• 0:37
  for
• 0:37
  today.
• 0:37
  Let's
• 0:37
  get
• 0:37
  right
• 0:37
  to
• 0:37
  it
• 0:37
  because
• 0:37
  I'm
• 0:37
  super
• 0:37
  excited
• 0:37
  about
• 0:37
  this
• 0:37
  one
• 0:37
  today,
• 0:37
  Ralph.
• 0:37
  I've
• 0:37
  been
• 0:37
  budgeting
• 0:37
  and
• 0:37
  trying
• 0:37
  to
• 0:37
  be
• 0:37
  more
• 0:37
  responsive
• 0:37
  with
• 0:37
  my
• 0:37
  money,
• 0:37
  but
• 0:37
  sometimes
• 0:37
  it
• 0:37
  feels
• 0:37
  like
• 0:37
  life
• 0:37
  is
• 0:37
  just
• 0:37
  bills
• 0:37
  and
• 0:37
  responsibilities.
• 0:37
  Let
• 0:37
  me
• 0:37
  just
• 0:37
  pause
• 0:37
  for
• 0:37
  a
• 0:37
  second.
• 0:37
  As
• 0:37
  I
• 0:37
  get
• 0:37
  older,
• 0:37
  I
• 0:37
  hear
• 0:37
  you
• 0:37
  loud
• 0:37
  and
• 0:37
  clear.
• 0:37
  Let's
• 0:37
  get
• 0:37
  back
• 0:37
  to
• 0:37
  the
• 0:37
  question.
• 0:37
  I
• 0:37
  recently
• 0:37
  noticed
• 0:37
  that
• 0:37
  small,
• 0:37
  simple
• 0:37
  things
• 0:37
  like
• 0:37
  a
• 0:37
  long
• 0:37
  shower
• 0:37
  or
• 0:37
  a
• 0:37
  quiet
• 0:37
  moment
• 0:37
  can
• 0:37
  make
• 0:37
  me
• 0:37
  feel
• 0:37
  surprisingly
• 0:37
  refreshed
• 0:37
  without
• 0:37
  spending
• 0:37
  much
• 0:37
  at
• 0:37
  all.
• 0:37
  It
• 0:37
  made
• 0:37
  me
• 0:37
  realize
• 0:37
  I
• 0:37
  don't
• 0:37
  need
• 0:37
  a
• 0:37
  lot
• 0:37
  of
• 0:37
  money
• 0:37
  to
• 0:37
  feel
• 0:37
  a
• 0:37
  little
• 0:37
  bit
• 0:37
  of
• 0:37
  joy
• 0:37
  or
• 0:37
  peace.
• 0:37
  So
• 0:37
  I
• 0:37
  wanted
• 0:37
  to
• 0:37
  ask
• 0:37
  what's
• 0:37
  your
• 0:37
  cheap
• 0:37
  but
• 0:37
  makes
• 0:37
  me
• 0:37
  feel
• 0:37
  rich
• 0:37
  habit?
• 0:37
  Great
• 0:37
  question.
• 0:37
  And
• 0:37
  how
• 0:37
  do
• 0:37
  I
• 0:37
  make
• 0:37
  space
• 0:37
  for
• 0:37
  those
• 0:37
  small
• 0:37
  moments
• 0:37
  without
• 0:37
  feeling
• 0:37
  like
• 0:37
  I'm
• 0:37
  being
• 0:37
  irresponsible?
• 0:37
  I
• 0:37
  love
• 0:37
  this
• 0:37
  question
• 0:37
  because
• 0:37
  I
• 0:37
  think
• 0:37
  so
• 0:37
  many
• 0:37
  people
• 0:37
  think
• 0:37
  that
• 0:37
  if
• 0:37
  they
• 0:37
  spend
• 0:37
  a
• 0:37
  little
• 0:37
  money
• 0:37
  or
• 0:37
  they're
• 0:37
  cheap
• 0:37
  or
• 0:37
  frugal.
• 0:37
  I
• 0:37
  use
• 0:37
  the
• 0:37
  word
• 0:37
  frugal.
• 0:37
  They're
• 0:37
  worried
• 0:37
  about
• 0:37
  feeling
• 0:37
  like
• 0:37
  they're
• 0:37
  irresponsible
• 0:37
  because
• 0:37
  it
• 0:37
  reminds
• 0:37
  us
• 0:37
  of
• 0:37
  something
• 0:37
  we
• 0:37
  often
• 0:37
  forget.
• 0:37
  It's
• 0:37
  gonna
• 0:37
  be
• 0:37
  a
• 0:37
  very
• 0:37
  deep
• 0:37
  episode
• 0:37
  today,
• 0:37
  but
• 0:37
  I
• 0:37
  think
• 0:37
  we
• 0:37
  forget
• 0:37
  about
• 0:37
  this
• 0:37
  so
• 0:37
  many
• 0:37
  times.
• 0:37
  Feeling
• 0:37
  rich
• 0:37
  and
• 0:37
  being
• 0:37
  wealthy
• 0:37
  are
• 0:37
  not
• 0:37
  always
• 0:37
  the
• 0:37
  same
• 0:37
  thing.
• 0:37
  They're
• 0:37
  just
• 0:37
  not.
• 0:37
  And
• 0:37
  sometimes
• 0:37
  the
• 0:37
  fastest
• 0:37
  way
• 0:37
  to
• 0:37
  feel
• 0:37
  restored
• 0:37
  isn't
• 0:37
  spending
• 0:37
  more
• 0:37
  money.
• 0:37
  It's
• 0:37
  not
• 0:37
  spending
• 0:37
  money
• 0:37
  at
• 0:37
  all.
• 0:37
  It's
• 0:37
  slowing
• 0:37
  down
• 0:37
  life.
• 0:37
  And
• 0:37
  I
• 0:37
  just
• 0:37
  want
• 0:37
  to
• 0:37
  leave
• 0:37
  you
• 0:37
  right
• 0:37
  now
• 0:37
  with
• 0:37
  this
• 0:37
  big
• 0:37
  idea
• 0:37
  as
• 0:37
  we
• 0:37
  get
• 0:37
  started.
• 0:37
  True
• 0:37
  richness
• 0:37
  is
• 0:37
  found
• 0:37
  in
• 0:37
  contentment,
• 0:37
  not
• 0:37
  consumption.
• 0:37
  That
• 0:37
  really
• 0:37
  is
• 0:37
  the
• 0:37
  secret
• 0:37
  to
• 0:37
  this
• 0:37
  whole
• 0:37
  thing.
• 0:37
  It's
• 0:37
  contentment,
• 0:37
  not
• 0:37
  consumption.
• 0:37
  But
• 0:37
  how
• 0:37
  do
• 0:37
  you
• 0:37
  get
• 0:37
  to
• 0:37
  that
• 0:37
  feeling?
• 0:37
  You
• 0:37
  asked
• 0:37
  me
• 0:37
  a
• 0:37
  very
• 0:37
  simple
• 0:37
  question.
• 0:37
  You
• 0:37
  said,
• 0:37
  ralph,
• 0:37
  what's
• 0:37
  your
• 0:37
  cheap
• 0:37
  but
• 0:37
  makes
• 0:37
  me
• 0:37
  feel
• 0:37
  rich
• 0:37
  habit?
• 0:37
  Well,
• 0:37
  I
• 0:37
  think
• 0:37
  you
• 0:37
  got
• 0:37
  to
• 0:37
  start
• 0:37
  by
• 0:37
  redefining
• 0:37
  what
• 0:37
  rich
• 0:37
  feels
• 0:37
  like.
• 0:37
  If
• 0:37
  you
• 0:37
  polled
• 0:37
  people
• 0:37
  and
• 0:37
  I
• 0:37
  haven't
• 0:37
  done
• 0:37
  this.
• 0:37
  But
• 0:37
  let's
• 0:37
  just
• 0:37
  say
• 0:37
  you
• 0:37
  polled
• 0:37
  people.
• 0:37
  I
• 0:37
  think
• 0:37
  most
• 0:37
  people
• 0:37
  think
• 0:37
  rich
• 0:37
  means
• 0:37
  more
• 0:37
  money.
• 0:37
  They
• 0:37
  got
• 0:37
  baskets
• 0:37
  of
• 0:37
  cash.
• 0:37
  They
• 0:37
  got
• 0:37
  big
• 0:37
  houses
• 0:37
  and
• 0:37
  big
• 0:37
  fancy
• 0:37
  cars,
• 0:37
  more
• 0:37
  comfort,
• 0:37
  more
• 0:37
  upgrades.
• 0:37
  I
• 0:37
  think
• 0:37
  a
• 0:37
  lot
• 0:37
  of
• 0:37
  people,
• 0:37
  you
• 0:37
  might
• 0:37
  be
• 0:37
  one,
• 0:37
  raising
• 0:37
  your
• 0:37
  hand
• 0:37
  right
• 0:37
  now.
• 0:37
  It's
• 0:37
  what
• 0:37
  rich
• 0:37
  is.
• 0:37
  But
• 0:37
  what
• 0:37
  if
• 0:37
  it
• 0:37
  didn't
• 0:37
  mean
• 0:37
  that?
• 0:37
  What
• 0:37
  if
• 0:37
  rich
• 0:37
  simply
• 0:37
  means
• 0:37
  I
• 0:37
  feel
• 0:37
  at
• 0:37
  peace
• 0:37
  right
• 0:37
  now?
• 0:37
  Interesting
• 0:37
  thought,
• 0:37
  huh?
• 0:37
  I
• 0:37
  feel
• 0:37
  at
• 0:37
  peace
• 0:37
  right
• 0:37
  now
• 0:37
  because
• 0:37
  it
• 0:37
  could
• 0:37
  be
• 0:37
  a
• 0:37
  quiet
• 0:37
  cup
• 0:37
  of
• 0:37
  coffee.
• 0:37
  I
• 0:37
  don't
• 0:37
  drink
• 0:37
  coffee.
• 0:37
  I
• 0:37
  drink
• 0:37
  tea.
• 0:37
  If
• 0:37
  you
• 0:37
  ever
• 0:37
  see
• 0:37
  me,
• 0:37
  it's
• 0:37
  tea
• 0:37
  in
• 0:37
  here.
• 0:37
  Never
• 0:37
  been
• 0:37
  a
• 0:37
  coffee
• 0:37
  guy,
• 0:37
  but
• 0:37
  anyway,
• 0:37
  maybe
• 0:37
  feeling
• 0:37
  at
• 0:37
  peace
• 0:37
  right
• 0:37
  now
• 0:37
  is
• 0:37
  a
• 0:37
  long
• 0:37
  shower
• 0:37
  you
• 0:37
  mentioned
• 0:37
  in
• 0:37
  your
• 0:37
  question
• 0:37
  today.
• 0:37
  Or
• 0:37
  maybe
• 0:37
  a
• 0:37
  walk
• 0:37
  with
• 0:37
  no
• 0:37
  rush
• 0:37
  to
• 0:37
  get
• 0:37
  home.
• 0:37
  That
• 0:37
  feeling,
• 0:37
  that's
• 0:37
  real.
• 0:37
  And
• 0:37
  guess
• 0:37
  what?
• 0:37
  It
• 0:37
  doesn't
• 0:37
  require
• 0:37
  higher
• 0:37
  income
• 0:37
  to
• 0:37
  get
• 0:37
  to
• 0:37
  that
• 0:37
  feeling.
• 0:37
  So
• 0:37
  start
• 0:37
  by
• 0:37
  defining
• 0:37
  what
• 0:37
  rich
• 0:37
  looks
• 0:37
  like
• 0:37
  for
• 0:37
  you.
• 0:37
  Because
• 0:37
  I
• 0:37
  think
• 0:37
  if
• 0:37
  we're
• 0:37
  going
• 0:37
  to
• 0:37
  be
• 0:37
  honest,
• 0:37
  all
• 0:37
  of
• 0:37
  us
• 0:37
  are
• 0:37
  rich,
• 0:37
  aren't
• 0:37
  we?
• 0:37
  Second
• 0:37
  thing,
• 0:37
  identify
• 0:37
  your
• 0:37
  personal
• 0:37
  reset
• 0:37
  moments.
• 0:37
  There's
• 0:37
  really
• 0:37
  no
• 0:37
  right
• 0:37
  answer
• 0:37
  to
• 0:37
  your
• 0:37
  question
• 0:37
  today.
• 0:37
  As
• 0:37
  I
• 0:37
  struggled
• 0:37
  a
• 0:37
  little
• 0:37
  bit
• 0:37
  with
• 0:37
  the
• 0:37
  answer
• 0:37
  today.
• 0:37
  Your
• 0:37
  version
• 0:37
  of
• 0:37
  cheap
• 0:37
  but
• 0:37
  rich
• 0:37
  might
• 0:37
  be
• 0:37
  different
• 0:37
  from
• 0:37
  someone
• 0:37
  else's.
• 0:37
  Could
• 0:37
  be
• 0:37
  completely
• 0:37
  different.
• 0:37
  So
• 0:37
  here's
• 0:37
  what
• 0:37
  I
• 0:37
  encourage
• 0:37
  you
• 0:37
  to
• 0:37
  do.
• 0:37
  Ask
• 0:37
  yourself,
• 0:37
  what
• 0:37
  small
• 0:37
  thing
• 0:37
  helps
• 0:37
  me
• 0:37
  breathe
• 0:37
  again?
• 0:37
  Maybe
• 0:37
  it's
• 0:37
  a
• 0:37
  simple
• 0:37
  snack
• 0:37
  you
• 0:37
  enjoy.
• 0:37
  There's
• 0:37
  some
• 0:37
  things
• 0:37
  I
• 0:37
  really
• 0:37
  look
• 0:37
  forward
• 0:37
  to
• 0:37
  in
• 0:37
  the
• 0:37
  afternoon.
• 0:37
  I
• 0:37
  have
• 0:37
  what
• 0:37
  I
• 0:37
  call
• 0:37
  my
• 0:37
  afternoon
• 0:37
  snack.
• 0:37
  I
• 0:37
  have
• 0:37
  a
• 0:37
  couple
• 0:37
  nuts
• 0:37
  and
• 0:37
  that's
• 0:37
  for
• 0:37
  me.
• 0:37
  I
• 0:37
  really
• 0:37
  enjoy
• 0:37
  that.
• 0:37
  Helps
• 0:37
  me
• 0:37
  just
• 0:37
  take
• 0:37
  it
• 0:37
  all
• 0:37
  in
• 0:37
  and
• 0:37
  feel
• 0:37
  rich
• 0:37
  when
• 0:37
  I
• 0:37
  do
• 0:37
  that.
• 0:37
  Maybe
• 0:37
  sitting
• 0:37
  in
• 0:37
  silence.
• 0:37
  We
• 0:37
  talked
• 0:37
  about
• 0:37
  this
• 0:37
  the
• 0:37
  other
• 0:37
  day.
• 0:37
  Maybe
• 0:37
  you
• 0:37
  live
• 0:37
  in
• 0:37
  a
• 0:37
  world
• 0:37
  that's
• 0:37
  hectic.
• 0:37
  There's
• 0:37
  stuff
• 0:37
  going
• 0:37
  on
• 0:37
  all
• 0:37
  the
• 0:37
  time.
• 0:37
  But
• 0:37
  richness
• 0:37
  for
• 0:37
  you
• 0:37
  is
• 0:37
  you
• 0:37
  have
• 0:37
  that
• 0:37
  ability
• 0:37
  to
• 0:37
  go
• 0:37
  carve
• 0:37
  out
• 0:37
  some
• 0:37
  silence.
• 0:37
  I
• 0:37
  like
• 0:37
  to
• 0:37
  go
• 0:37
  hang
• 0:37
  out
• 0:37
  with
• 0:37
  the
• 0:37
  cows.
• 0:37
  And
• 0:37
  they're
• 0:37
  not
• 0:37
  always
• 0:37
  silent.
• 0:37
  Sometimes
• 0:37
  they're
• 0:37
  kind
• 0:37
  of
• 0:37
  yappy.
• 0:37
  Maybe
• 0:37
  listen
• 0:37
  to
• 0:37
  some
• 0:37
  music.
• 0:37
  I
• 0:37
  talked
• 0:37
  on
• 0:37
  the
• 0:37
  other
• 0:37
  day
• 0:37
  on
• 0:37
  the
• 0:37
  show
• 0:37
  about
• 0:37
  our
• 0:37
  music,
• 0:37
  our
• 0:37
  Christian
• 0:37
  music.
• 0:37
  We'll
• 0:37
  put
• 0:37
  a
• 0:37
  link
• 0:37
  in
• 0:37
  the
• 0:37
  show
• 0:37
  notes.
• 0:37
  But
• 0:37
  I
• 0:37
  encourage
• 0:37
  you
• 0:37
  listen
• 0:37
  to
• 0:37
  music,
• 0:37
  whatever
• 0:37
  music
• 0:37
  you
• 0:37
  like.
• 0:37
  Maybe
• 0:37
  stepping
• 0:37
  outside
• 0:37
  for
• 0:37
  some
• 0:37
  fresh
• 0:37
  air.
• 0:37
  I
• 0:37
  think
• 0:37
  fresh
• 0:37
  air
• 0:37
  is
• 0:37
  underrated.
• 0:37
  You
• 0:37
  need
• 0:37
  to
• 0:37
  spend
• 0:37
  more
• 0:37
  time
• 0:37
  on
• 0:37
  the
• 0:37
  out
• 0:37
  in
• 0:37
  the
• 0:37
  fresh
• 0:37
  air.
• 0:37
  I
• 0:37
  did
• 0:37
  that
• 0:37
  this
• 0:37
  weekend
• 0:37
  on
• 0:37
  my
• 0:37
  motorcycle,
• 0:37
  got
• 0:37
  some
• 0:37
  fresh
• 0:37
  air.
• 0:37
  It
• 0:37
  felt
• 0:37
  really
• 0:37
  good.
• 0:37
  But
• 0:37
  pay
• 0:37
  attention
• 0:37
  to
• 0:37
  what
• 0:37
  restores
• 0:37
  you.
• 0:37
  That's
• 0:37
  what
• 0:37
  makes
• 0:37
  you
• 0:37
  rich.
• 0:37
  That's
• 0:37
  your
• 0:37
  rhythm.
• 0:37
  But
• 0:37
  in
• 0:37
  order
• 0:37
  to
• 0:37
  live
• 0:37
  in
• 0:37
  that,
• 0:37
  you
• 0:37
  got
• 0:37
  to
• 0:37
  make
• 0:37
  it
• 0:37
  intentional,
• 0:37
  not
• 0:37
  accidental.
• 0:37
  And
• 0:37
  that's
• 0:37
  something
• 0:37
  I've
• 0:37
  really
• 0:37
  challenged
• 0:37
  myself
• 0:37
  as
• 0:37
  I
• 0:37
  answered
• 0:37
  your
• 0:37
  question,
• 0:37
  to
• 0:37
  have
• 0:37
  planned.
• 0:37
  I
• 0:37
  always
• 0:37
  plan
• 0:37
  for
• 0:37
  the
• 0:37
  episodes
• 0:37
  ahead
• 0:37
  of
• 0:37
  time,
• 0:37
  but
• 0:37
  I
• 0:37
  thought,
• 0:37
  you
• 0:37
  know
• 0:37
  what,
• 0:37
  Ralph?
• 0:37
  This
• 0:37
  is
• 0:37
  something
• 0:37
  you
• 0:37
  can
• 0:37
  really
• 0:37
  learn
• 0:37
  from
• 0:37
  yourself.
• 0:37
  Don't
• 0:37
  make
• 0:37
  this
• 0:37
  accidental.
• 0:37
  Be
• 0:37
  intentional
• 0:37
  about
• 0:37
  it.
• 0:37
  These
• 0:37
  moments
• 0:37
  shouldn't
• 0:37
  just
• 0:37
  happen
• 0:37
  when
• 0:37
  you're
• 0:37
  already
• 0:37
  overwhelmed.
• 0:37
  You
• 0:37
  got
• 0:37
  to
• 0:37
  build
• 0:37
  them
• 0:37
  in,
• 0:37
  plan
• 0:37
  them,
• 0:37
  protect
• 0:37
  them.
• 0:37
  Even
• 0:37
  if
• 0:37
  it's
• 0:37
  just
• 0:37
  10
• 0:37
  minutes
• 0:37
  a
• 0:37
  day.
• 0:37
  Rest
• 0:37
  is
• 0:37
  not
• 0:37
  a
• 0:37
  reward.
• 0:37
  So
• 0:37
  many
• 0:37
  people
• 0:37
  get
• 0:37
  stuck
• 0:37
  on
• 0:37
  that.
• 0:37
  Well,
• 0:37
  if
• 0:37
  I
• 0:37
  work
• 0:37
  really
• 0:37
  hard,
• 0:37
  I
• 0:37
  can
• 0:37
  have
• 0:37
  rest.
• 0:37
  No,
• 0:37
  rest
• 0:37
  is
• 0:37
  a
• 0:37
  requirement.
• 0:37
  Because
• 0:37
  if
• 0:37
  you
• 0:37
  don't
• 0:37
  rest,
• 0:37
  you
• 0:37
  will
• 0:37
  break
• 0:37
  down.
• 0:37
  Trust
• 0:37
  me,
• 0:37
  without
• 0:37
  rest,
• 0:37
  you
• 0:37
  will
• 0:37
  break
• 0:37
  down.
• 0:37
  Let
• 0:37
  small
• 0:37
  joy
• 0:37
  keep
• 0:37
  you
• 0:37
  from
• 0:37
  big
• 0:37
  spending.
• 0:37
  Here's
• 0:37
  something
• 0:37
  important.
• 0:37
  When
• 0:37
  life
• 0:37
  feels
• 0:37
  heavy
• 0:37
  and
• 0:37
  joy
• 0:37
  is
• 0:37
  missing,
• 0:37
  so
• 0:37
  many
• 0:37
  of
• 0:37
  us
• 0:37
  try
• 0:37
  to
• 0:37
  fix
• 0:37
  it
• 0:37
  with
• 0:37
  bigger,
• 0:37
  more
• 0:37
  expensive
• 0:37
  things.
• 0:37
  I'm
• 0:37
  guilty
• 0:37
  of
• 0:37
  this.
• 0:37
  Those
• 0:37
  impulse
• 0:37
  buys,
• 0:37
  those
• 0:37
  unplanned
• 0:37
  spending
• 0:37
  trips.
• 0:37
  Let's
• 0:37
  be
• 0:37
  honest,
• 0:37
  those
• 0:37
  emotional
• 0:37
  purchases,
• 0:37
  they
• 0:37
  feel
• 0:37
  good
• 0:37
  for
• 0:37
  a
• 0:37
  little
• 0:37
  bit,
• 0:37
  but
• 0:37
  they
• 0:37
  don't
• 0:37
  last,
• 0:37
  do
• 0:37
  they?
• 0:37
  But
• 0:37
  those
• 0:37
  small,
• 0:37
  little,
• 0:37
  consistent
• 0:37
  bundles
• 0:37
  of
• 0:37
  joy
• 0:37
  can
• 0:37
  actually
• 0:37
  protect
• 0:37
  your
• 0:37
  finances
• 0:37
  because
• 0:37
  they
• 0:37
  make
• 0:37
  you
• 0:37
  realize
• 0:37
  what
• 0:37
  matters.
• 0:37
  And
• 0:37
  finally
• 0:37
  do
• 0:37
  this,
• 0:37
  receive
• 0:37
  all
• 0:37
  of
• 0:37
  this
• 0:37
  without
• 0:37
  guilt.
• 0:37
  This
• 0:37
  is
• 0:37
  where
• 0:37
  so
• 0:37
  many
• 0:37
  people
• 0:37
  struggle.
• 0:37
  You
• 0:37
  struggled.
• 0:37
  In
• 0:37
  your
• 0:37
  question,
• 0:37
  you
• 0:37
  said,
• 0:37
  how
• 0:37
  do
• 0:37
  I
• 0:37
  do
• 0:37
  this
• 0:37
  without
• 0:37
  feeling
• 0:37
  like
• 0:37
  I'm
• 0:37
  being
• 0:37
  irresponsible?
• 0:37
  Because
• 0:37
  even
• 0:37
  when
• 0:37
  it's
• 0:37
  small,
• 0:37
  so
• 0:37
  many
• 0:37
  people
• 0:37
  say,
• 0:37
  but
• 0:37
  should
• 0:37
  I
• 0:37
  be
• 0:37
  spending
• 0:37
  this
• 0:37
  at
• 0:37
  all?
• 0:37
  Ralph,
• 0:37
  I
• 0:37
  want
• 0:37
  to
• 0:37
  gently
• 0:37
  remind
• 0:37
  you
• 0:37
  of
• 0:37
  something.
• 0:37
  If
• 0:37
  it's
• 0:37
  planned,
• 0:37
  if
• 0:37
  it's
• 0:37
  within
• 0:37
  your
• 0:37
  means,
• 0:37
  and
• 0:37
  if
• 0:37
  it
• 0:37
  restores
• 0:37
  your
• 0:37
  heart,
• 0:37
  there's
• 0:37
  no
• 0:37
  need
• 0:37
  to
• 0:37
  feel
• 0:37
  guilty
• 0:37
  about
• 0:37
  it
• 0:37
  at
• 0:37
  all,
• 0:37
  friend.
• 0:37
  God
• 0:37
  isn't
• 0:37
  against
• 0:37
  your
• 0:37
  joy.
• 0:37
  He's
• 0:37
  actually
• 0:37
  the
• 0:37
  source
• 0:37
  of
• 0:37
  it.
• 0:37
  He
• 0:37
  gave
• 0:37
  you
• 0:37
  all
• 0:37
  of
• 0:37
  this.
• 0:37
  He
• 0:37
  wants
• 0:37
  you
• 0:37
  to
• 0:37
  enjoy
• 0:37
  it.
• 0:37
  He
• 0:37
  wants
• 0:37
  you
• 0:37
  to
• 0:37
  have
• 0:37
  an
• 0:37
  abundant
• 0:37
  life.
• 0:37
  But
• 0:37
  you
• 0:37
  don't
• 0:37
  need
• 0:37
  more
• 0:37
  money
• 0:37
  to
• 0:37
  feel
• 0:37
  rich.
• 0:37
  You
• 0:37
  just
• 0:37
  need
• 0:37
  more
• 0:37
  of
• 0:37
  those
• 0:37
  moments
• 0:37
  in
• 0:37
  your
• 0:37
  life.
• 0:37
  So
• 0:37
  here's
• 0:37
  your
• 0:37
  win
• 0:37
  for
• 0:37
  today.
• 0:37
  I
• 0:37
  want
• 0:37
  you
• 0:37
  to
• 0:37
  choose
• 0:37
  one
• 0:37
  simple
• 0:37
  habit
• 0:37
  that
• 0:37
  costs
• 0:37
  little
• 0:37
  to
• 0:37
  nothing,
• 0:37
  but
• 0:37
  helps
• 0:37
  you
• 0:37
  feel
• 0:37
  refreshed.
• 0:37
  We
• 0:37
  talked
• 0:37
  about
• 0:37
  some
• 0:37
  of
• 0:37
  those
• 0:37
  things.
• 0:37
  Music,
• 0:37
  showers,
• 0:37
  walking
• 0:37
  outside,
• 0:37
  conversation
• 0:37
  with
• 0:37
  a
• 0:37
  friend.
• 0:37
  I'm
• 0:37
  looking
• 0:37
  forward
• 0:37
  to
• 0:37
  holding
• 0:37
  my
• 0:37
  grandbaby
• 0:37
  here
• 0:37
  coming
• 0:37
  up
• 0:37
  in
• 0:37
  a
• 0:37
  couple
• 0:37
  months.
• 0:37
  I
• 0:37
  just
• 0:37
  know
• 0:37
  that's
• 0:37
  going
• 0:37
  to
• 0:37
  restore
• 0:37
  me.
• 0:37
  But
• 0:37
  when
• 0:37
  you
• 0:37
  experience
• 0:37
  that,
• 0:37
  be
• 0:37
  fully
• 0:37
  present
• 0:37
  in
• 0:37
  that.
• 0:37
  I
• 0:37
  was
• 0:37
  talking
• 0:37
  with
• 0:37
  my
• 0:37
  oldest
• 0:37
  son,
• 0:37
  the
• 0:37
  one.
• 0:37
  His
• 0:37
  wife
• 0:37
  is
• 0:37
  having
• 0:37
  a
• 0:37
  baby.
• 0:37
  I
• 0:37
  call
• 0:37
  her
• 0:37
  my
• 0:37
  favorite
• 0:37
  daughter
• 0:37
  in
• 0:37
  law
• 0:37
  because
• 0:37
  I
• 0:37
  only
• 0:37
  have
• 0:37
  one
• 0:37
  at
• 0:37
  this
• 0:37
  point,
• 0:37
  so
• 0:37
  she's
• 0:37
  my
• 0:37
  favorite.
• 0:37
  But
• 0:37
  I
• 0:37
  said
• 0:37
  something
• 0:37
  to
• 0:37
  My
• 0:37
  son,
• 0:37
  it
• 0:37
  was
• 0:37
  yesterday,
• 0:37
  we
• 0:37
  were
• 0:37
  talking
• 0:37
  and
• 0:37
  I
• 0:37
  said,
• 0:37
  son,
• 0:37
  one
• 0:37
  of
• 0:37
  the
• 0:37
  things
• 0:37
  I
• 0:37
  want
• 0:37
  to
• 0:37
  encourage
• 0:37
  you
• 0:37
  to
• 0:37
  do,
• 0:37
  I
• 0:37
  said,
• 0:37
  savor
• 0:37
  the
• 0:37
  little
• 0:37
  moments.
• 0:37
  Because
• 0:37
  I
• 0:37
  look
• 0:37
  back
• 0:37
  at
• 0:37
  it
• 0:37
  now,
• 0:37
  My
• 0:37
  kids
• 0:37
  are
• 0:37
  24,
• 0:37
  and
• 0:37
  he'll
• 0:37
  be
• 0:37
  my
• 0:37
  oldest.
• 0:37
  My
• 0:37
  youngest
• 0:37
  will
• 0:37
  be
• 0:37
  25
• 0:37
  next
• 0:37
  month,
• 0:37
  and
• 0:37
  my
• 0:37
  oldest
• 0:37
  is
• 0:37
  almost
• 0:37
  29.
• 0:37
  Man,
• 0:37
  I
• 0:37
  missed
• 0:37
  out
• 0:37
  on
• 0:37
  so
• 0:37
  many
• 0:37
  things
• 0:37
  because
• 0:37
  I
• 0:37
  just
• 0:37
  didn't
• 0:37
  savor
• 0:37
  the
• 0:37
  moment.
• 0:37
  So
• 0:37
  do
• 0:37
  that.
• 0:37
  If
• 0:37
  you
• 0:37
  hear
• 0:37
  nothing
• 0:37
  else
• 0:37
  I
• 0:37
  say
• 0:37
  today,
• 0:37
  savor
• 0:37
  the
• 0:37
  moments
• 0:37
  that
• 0:37
  seem
• 0:37
  silly,
• 0:37
  because
• 0:37
  those
• 0:37
  are
• 0:37
  the
• 0:37
  things
• 0:37
  that
• 0:37
  truly
• 0:37
  make
• 0:37
  you
• 0:37
  rich.
• 0:37
  Those
• 0:37
  small
• 0:37
  moments
• 0:37
  can
• 0:37
  change
• 0:37
  your
• 0:37
  whole
• 0:37
  day.
• 0:37
  And
• 0:37
  listen,
• 0:37
  they
• 0:37
  can
• 0:37
  change
• 0:37
  your
• 0:37
  whole
• 0:37
  life.
• 0:37
  Let's
• 0:37
  talk
• 0:37
  about
• 0:37
  the
• 0:37
  Bible
• 0:37
  right
• 0:37
  now.
• 0:37
  I
• 0:37
  always
• 0:37
  like
• 0:37
  to
• 0:37
  put
• 0:37
  some
• 0:37
  scripture
• 0:37
  in
• 0:37
  this.
• 0:37
  And
• 0:37
  we've
• 0:37
  got
• 0:37
  a
• 0:37
  good
• 0:37
  one
• 0:37
  today
• 0:37
  from.
• 0:37
  Not
• 0:37
  that
• 0:37
  they're
• 0:37
  never
• 0:37
  good.
• 0:37
  They're
• 0:37
  all
• 0:37
  good
• 0:37
  ones.
• 0:37
  But
• 0:37
  this
• 0:37
  one,
• 0:37
  I
• 0:37
  especially
• 0:37
  like
• 0:37
  this
• 0:37
  one.
• 0:37
  It's
• 0:37
  from
• 0:37
  1
• 0:37
  Timothy
• 0:37
  6.
• 0:37
  Six
• 0:37
  again,
• 0:37
  1
• 0:37
  Timothy
• 0:37
  6.
• 0:37
  Six.
• 0:37
  And
• 0:37
  it's
• 0:37
  a
• 0:37
  very
• 0:37
  simple,
• 0:37
  quick
• 0:37
  verse.
• 0:37
  It
• 0:37
  says,
• 0:37
  but
• 0:37
  godliness
• 0:37
  with
• 0:37
  contentment
• 0:37
  is
• 0:37
  great
• 0:37
  gain.
• 0:37
  You
• 0:37
  might
• 0:37
  be
• 0:37
  thinking,
• 0:37
  wait
• 0:37
  a
• 0:37
  minute,
• 0:37
  Ralph,
• 0:37
  where
• 0:37
  are
• 0:37
  you
• 0:37
  going
• 0:37
  with
• 0:37
  this
• 0:37
  one?
• 0:37
  But
• 0:37
  here's
• 0:37
  where
• 0:37
  I'm
• 0:37
  going
• 0:37
  with
• 0:37
  this
• 0:37
  one.
• 0:37
  True
• 0:37
  richness
• 0:37
  comes
• 0:37
  not
• 0:37
  from
• 0:37
  having
• 0:37
  more,
• 0:37
  but
• 0:37
  from
• 0:37
  learning
• 0:37
  to
• 0:37
  be
• 0:37
  content
• 0:37
  with
• 0:37
  what
• 0:37
  you
• 0:37
  already
• 0:37
  have.
• 0:37
  Friend,
• 0:37
  we've
• 0:37
  got
• 0:37
  so
• 0:37
  much.
• 0:37
  We've
• 0:37
  got
• 0:37
  a
• 0:37
  God
• 0:37
  that
• 0:37
  loves
• 0:37
  us
• 0:37
  even
• 0:37
  on
• 0:37
  our
• 0:37
  worst
• 0:37
  days.
• 0:37
  He's
• 0:37
  right
• 0:37
  there
• 0:37
  with
• 0:37
  us
• 0:37
  always.
• 0:37
  Let's
• 0:37
  pray
• 0:37
  to
• 0:37
  him
• 0:37
  right
• 0:37
  now.
• 0:37
  Heavenly
• 0:37
  Father,
• 0:37
  I
• 0:37
  just
• 0:37
  want
• 0:37
  to
• 0:37
  thank
• 0:37
  you
• 0:37
  right
• 0:37
  now
• 0:37
  for
• 0:37
  the
• 0:37
  simple
• 0:37
  moments
• 0:37
  to
• 0:37
  bring
• 0:37
  peace
• 0:37
  and
• 0:37
  rest
• 0:37
  in
• 0:37
  our
• 0:37
  lives.
• 0:37
  And,
• 0:37
  Lord,
• 0:37
  help
• 0:37
  us
• 0:37
  all
• 0:37
  to
• 0:37
  recognize
• 0:37
  that
• 0:37
  joy
• 0:37
  doesn't
• 0:37
  have
• 0:37
  to
• 0:37
  be
• 0:37
  expensive,
• 0:37
  doesn't
• 0:37
  come
• 0:37
  with
• 0:37
  a
• 0:37
  price
• 0:37
  tag.
• 0:37
  Teach
• 0:37
  us
• 0:37
  to
• 0:37
  slow
• 0:37
  down,
• 0:37
  Lord,
• 0:37
  to
• 0:37
  breathe
• 0:37
  and
• 0:37
  to
• 0:37
  really
• 0:37
  receive
• 0:37
  the
• 0:37
  small
• 0:37
  blessing
• 0:37
  you
• 0:37
  place
• 0:37
  in
• 0:37
  our
• 0:37
  day
• 0:37
  every
• 0:37
  single
• 0:37
  day.
• 0:37
  Take
• 0:37
  away
• 0:37
  the
• 0:37
  guilt
• 0:37
  around
• 0:37
  healthy
• 0:37
  rest
• 0:37
  and
• 0:37
  enjoyment,
• 0:37
  Lord,
• 0:37
  and
• 0:37
  help
• 0:37
  us
• 0:37
  to
• 0:37
  grow
• 0:37
  a
• 0:37
  heart
• 0:37
  of
• 0:37
  contentment
• 0:37
  that
• 0:37
  sees
• 0:37
  the
• 0:37
  richness,
• 0:37
  the
• 0:37
  true
• 0:37
  richness
• 0:37
  and
• 0:37
  what
• 0:37
  we
• 0:37
  already
• 0:37
  have
• 0:37
  and
• 0:37
  what
• 0:37
  you've
• 0:37
  already
• 0:37
  given
• 0:37
  us.
• 0:37
  Lord,
• 0:37
  we
• 0:37
  just
• 0:37
  thank
• 0:37
  you
• 0:37
  so
• 0:37
  much
• 0:37
  for
• 0:37
  that
• 0:37
  love.
• 0:37
  We
• 0:37
  ask
• 0:37
  this
• 0:37
  in
• 0:37
  Jesus
• 0:37
  name.
• 0:37
  Amen.
• 0:37
  Friend,
• 0:37
  I
• 0:37
  want
• 0:37
  to
• 0:37
  say
• 0:37
  something
• 0:37
  bold.
• 0:37
  53
• 0:37
  Years
• 0:37
  old.
• 0:37
  I
• 0:37
  really
• 0:37
  believe
• 0:37
  this.
• 0:37
  Now,
• 0:37
  I
• 0:37
  don't
• 0:37
  know
• 0:37
  if
• 0:37
  I
• 0:37
  would
• 0:37
  have
• 0:37
  said
• 0:37
  this
• 0:37
  20
• 0:37
  years
• 0:37
  ago,
• 0:37
  but
• 0:37
  sometimes
• 0:37
  the
• 0:37
  richest
• 0:37
  moments
• 0:37
  are
• 0:37
  the
• 0:37
  simplest
• 0:37
  ones.
• 0:37
  The
• 0:37
  richest
• 0:37
  moments
• 0:37
  are
• 0:37
  the
• 0:37
  simplest
• 0:37
  ones.
• 0:37
  Just
• 0:37
  think
• 0:37
  about
• 0:37
  that
• 0:37
  today.
• 0:37
  When
• 0:37
  you
• 0:37
  go
• 0:37
  about
• 0:37
  your
• 0:37
  day
• 0:37
  today,
• 0:37
  just
• 0:37
  think
• 0:37
  about
• 0:37
  that.
• 0:37
  What
• 0:37
  are
• 0:37
  the
• 0:37
  richest
• 0:37
  moments
• 0:37
  of
• 0:37
  your
• 0:37
  life?
• 0:37
  And
• 0:37
  I
• 0:37
  think
• 0:37
  you're
• 0:37
  gonna
• 0:37
  find
• 0:37
  they're
• 0:37
  the
• 0:37
  simplest
• 0:37
  ones.
• 0:37
  So
• 0:37
  I
• 0:37
  want
• 0:37
  to
• 0:37
  thank
• 0:37
  you
• 0:37
  so
• 0:37
  much
• 0:37
  for
• 0:37
  joining
• 0:37
  me
• 0:37
  today.
• 0:37
  If
• 0:37
  you've
• 0:37
  got
• 0:37
  a
• 0:37
  question
• 0:37
  for
• 0:37
  the
• 0:37
  show,
• 0:37
  I
• 0:37
  would
• 0:37
  love
• 0:37
  to
• 0:37
  hear
• 0:37
  your
• 0:37
  question.
• 0:37
  Maybe
• 0:37
  something's
• 0:37
  been
• 0:37
  burdening
• 0:37
  you.
• 0:37
  Maybe
• 0:37
  like
• 0:37
  Ralph.
• 0:37
  I
• 0:37
  wonder
• 0:37
  how
• 0:37
  Ralph
• 0:37
  would
• 0:37
  handle
• 0:37
  this.
• 0:37
  You
• 0:37
  can
• 0:37
  go
• 0:37
  to
• 0:37
  our
• 0:37
  website,
• 0:37
  go
• 0:37
  to
• 0:37
  financiallyconfidentchristian.com/question
• 0:37
  We
• 0:37
  just
• 0:37
  did
• 0:37
  a
• 0:37
  little
• 0:37
  bit
• 0:37
  new
• 0:37
  thing
• 0:37
  on
• 0:37
  the
• 0:37
  Foreigner.
• 0:37
  Made
• 0:37
  it
• 0:37
  super
• 0:37
  simple
• 0:37
  for
• 0:37
  you.
• 0:37
  We'll
• 0:37
  put
• 0:37
  a
• 0:37
  link
• 0:37
  in
• 0:37
  the
• 0:37
  show
• 0:37
  notes.
• 0:37
  But
• 0:37
  go
• 0:37
  to
• 0:37
  financiallyconfidentchristian.com/question
• 0:37
  And
• 0:37
  I
• 0:37
  just
• 0:37
  wanted
• 0:37
  to
• 0:37
  say
• 0:37
  one
• 0:37
  more
• 0:37
  thing
• 0:37
  today,
• 0:37
  let's
• 0:37
  find
• 0:37
  those
• 0:37
  rich
• 0:37
  moments,
• 0:37
  let's
• 0:37
  find
• 0:37
  those
• 0:37
  simple
• 0:37
  moments
• 0:37
  and
• 0:37
  let's
• 0:37
  just
• 0:37
  live
• 0:37
  in
• 0:37
  that
• 0:37
  reality
• 0:37
  today.
• 0:37
  God
• 0:37
  bless
• 0:37
  you
• 0:37
  and
• 0:37
  you
• 0:37
  have
• 0:37
  a
• 0:37
  great
• 0:37
  day
• 0:37
  todaiffeelingrichhadnothingtodowithhowmuchmoneyyouspend?Whatifsomeofthemostrefreshinglifegivingmomentscostlittletonothingatall?Becauselet'sbehonest,sometimesthemostexpensivepartoflifeishowheavyitfeels.Andtodaywe'regoingtotalkabouthowsmall,simplehabitscanhelpyoubreatheagainwithoutbreakingyourbudget.Realpracticalshowtoday.Hellofriend,RalphEstepJr.Here.ThisisfinanciallyconfidentChristian,wheremygoaleverydayistohelpyoubreakthatcycleoffinancialshameandfindconfidence.Sotoday'squestioniswhat'syourcheapbutmakesmefeelrichhabit?Wegotthisquestion.Isaid,oh,thisisperfect.Greatquestionfortoday.Let'sgetrighttoitbecauseI'msuperexcitedaboutthisonetoday,Ralph.I'vebeenbudgetingandtryingtobemoreresponsivewithmymoney,butsometimesitfeelslikelifeisjustbillsandresponsibilities.Letmejustpauseforasecond.AsIgetolder,Ihearyouloudandclear.Let'sgetbacktothequestion.Irecentlynoticedthatsmall,simplethingslikealongshoweroraquietmomentcanmakemefeelsurprisinglyrefreshedwithoutspendingmuchatall.ItmademerealizeIdon'tneedalotofmoneytofeelalittlebitofjoyorpeace.SoIwantedtoaskwhat'syourcheapbutmakesmefeelrichhabit?Greatquestion.AndhowdoImakespaceforthosesmallmomentswithoutfeelinglikeI'mbeingirresponsible?IlovethisquestionbecauseIthinksomanypeoplethinkthatiftheyspendalittlemoneyorthey'recheaporfrugal.Iusethewordfrugal.They'reworriedaboutfeelinglikethey'reirresponsiblebecauseitremindsusofsomethingweoftenforget.It'sgonnabeaverydeepepisodetoday,butIthinkweforgetaboutthissomanytimes.Feelingrichandbeingwealthyarenotalwaysthesamething.They'rejustnot.Andsometimesthefastestwaytofeelrestoredisn'tspendingmoremoney.It'snotspendingmoneyatall.It'sslowingdownlife.AndIjustwanttoleaveyourightnowwiththisbigideaaswegetstarted.Truerichnessisfoundincontentment,notconsumption.Thatreallyisthesecrettothiswholething.It'scontentment,notconsumption.Buthowdoyougettothatfeeling?Youaskedmeaverysimplequestion.Yousaid,ralph,what'syourcheapbutmakesmefeelrichhabit?Well,Ithinkyougottostartbyredefiningwhatrichfeelslike.IfyoupolledpeopleandIhaven'tdonethis.Butlet'sjustsayyoupolledpeople.Ithinkmostpeoplethinkrichmeansmoremoney.Theygotbasketsofcash.Theygotbighousesandbigfancycars,morecomfort,moreupgrades.Ithinkalotofpeople,youmightbeone,raisingyourhandrightnow.It'swhatrichis.Butwhatifitdidn'tmeanthat?WhatifrichsimplymeansIfeelatpeacerightnow?Interestingthought,huh?Ifeelatpeacerightnowbecauseitcouldbeaquietcupofcoffee.Idon'tdrinkcoffee.Idrinktea.Ifyoueverseeme,it'steainhere.Neverbeenacoffeeguy,butanyway,maybefeelingatpeacerightnowisalongshoweryoumentionedinyourquestiontoday.Ormaybeawalkwithnorushtogethome.Thatfeeling,that'sreal.Andguesswhat?Itdoesn'trequirehigherincometogettothatfeeling.Sostartbydefiningwhatrichlookslikeforyou.BecauseIthinkifwe'regoingtobehonest,allofusarerich,aren'twe?Secondthing,identifyyourpersonalresetmoments.There'sreallynorightanswertoyourquestiontoday.AsIstruggledalittlebitwiththeanswertoday.Yourversionofcheapbutrichmightbedifferentfromsomeoneelse's.Couldbecompletelydifferent.Sohere'swhatIencourageyoutodo.Askyourself,whatsmallthinghelpsmebreatheagain?Maybeit'sasimplesnackyouenjoy.There'ssomethingsIreallylookforwardtointheafternoon.IhavewhatIcallmyafternoonsnack.Ihaveacouplenutsandthat'sforme.Ireallyenjoythat.HelpsmejusttakeitallinandfeelrichwhenIdothat.Maybesittinginsilence.Wetalkedaboutthistheotherday.Maybeyouliveinaworldthat'shectic.There'sstuffgoingonallthetime.Butrichnessforyouisyouhavethatabilitytogocarveoutsomesilence.Iliketogohangoutwiththecows.Andthey'renotalwayssilent.Sometimesthey'rekindofyappy.Maybelistentosomemusic.Italkedontheotherdayontheshowaboutourmusic,ourChristianmusic.We'llputalinkintheshownotes.ButIencourageyoulistentomusic,whatevermusicyoulike.Maybesteppingoutsideforsomefreshair.Ithinkfreshairisunderrated.Youneedtospendmoretimeontheoutinthefreshair.Ididthatthisweekendonmymotorcycle,gotsomefreshair.Itfeltreallygood.Butpayattentiontowhatrestoresyou.That'swhatmakesyourich.That'syourrhythm.Butinordertoliveinthat,yougottomakeitintentional,notaccidental.Andthat'ssomethingI'vereallychallengedmyselfasIansweredyourquestion,tohaveplanned.Ialwaysplanfortheepisodesaheadoftime,butIthought,youknowwhat,Ralph?Thisissomethingyoucanreallylearnfromyourself.Don'tmakethisaccidental.Beintentionalaboutit.Thesemomentsshouldn'tjusthappenwhenyou'realreadyoverwhelmed.Yougottobuildthemin,planthem,protectthem.Evenifit'sjust10minutesaday.Restisnotareward.Somanypeoplegetstuckonthat.Well,ifIworkreallyhard,Icanhaverest.No,restisarequirement.Becauseifyoudon'trest,youwillbreakdown.Trustme,withoutrest,youwillbreakdown.Letsmalljoykeepyoufrombigspending.Here'ssomethingimportant.Whenlifefeelsheavyandjoyismissing,somanyofustrytofixitwithbigger,moreexpensivethings.I'mguiltyofthis.Thoseimpulsebuys,thoseunplannedspendingtrips.Let'sbehonest,thoseemotionalpurchases,theyfeelgoodforalittlebit,buttheydon'tlast,dothey?Butthosesmall,little,consistentbundlesofjoycanactuallyprotectyourfinancesbecausetheymakeyourealizewhatmatters.Andfinallydothis,receiveallofthiswithoutguilt.Thisiswheresomanypeoplestruggle.Youstruggled.Inyourquestion,yousaid,howdoIdothiswithoutfeelinglikeI'mbeingirresponsible?Becauseevenwhenit'ssmall,somanypeoplesay,butshouldIbespendingthisatall?Ralph,Iwanttogentlyremindyouofsomething.Ifit'splanned,ifit'swithinyourmeans,andifitrestoresyourheart,there'snoneedtofeelguiltyaboutitatall,friend.Godisn'tagainstyourjoy.He'sactuallythesourceofit.Hegaveyouallofthis.Hewantsyoutoenjoyit.Hewantsyoutohaveanabundantlife.Butyoudon'tneedmoremoneytofeelrich.Youjustneedmoreofthosemomentsinyourlife.Sohere'syourwinfortoday.Iwantyoutochooseonesimplehabitthatcostslittletonothing,buthelpsyoufeelrefreshed.Wetalkedaboutsomeofthosethings.Music,showers,walkingoutside,conversationwithafriend.I'mlookingforwardtoholdingmygrandbabyherecomingupinacouplemonths.Ijustknowthat'sgoingtorestoreme.Butwhenyouexperiencethat,befullypresentinthat.Iwastalkingwithmyoldestson,theone.Hiswifeishavingababy.IcallhermyfavoritedaughterinlawbecauseIonlyhaveoneatthispoint,soshe'smyfavorite.ButIsaidsomethingtoMyson,itwasyesterday,weweretalkingandIsaid,son,oneofthethingsIwanttoencourageyoutodo,Isaid,savorthelittlemoments.BecauseIlookbackatitnow,Mykidsare24,andhe'llbemyoldest.Myyoungestwillbe25nextmonth,andmyoldestisalmost29.Man,ImissedoutonsomanythingsbecauseIjustdidn'tsavorthemoment.Sodothat.IfyouhearnothingelseIsaytoday,savorthemomentsthatseemsilly,becausethosearethethingsthattrulymakeyourich.Thosesmallmomentscanchangeyourwholeday.Andlisten,theycanchangeyourwholelife.Let'stalkabouttheBiblerightnow.Ialwaysliketoputsomescriptureinthis.Andwe'vegotagoodonetodayfrom.Notthatthey'renevergood.They'reallgoodones.Butthisone,Iespeciallylikethisone.It'sfrom1Timothy6.Sixagain,1Timothy6.Six.Andit'saverysimple,quickverse.Itsays,butgodlinesswithcontentmentisgreatgain.Youmightbethinking,waitaminute,Ralph,whereareyougoingwiththisone?Buthere'swhereI'mgoingwiththisone.Truerichnesscomesnotfromhavingmore,butfromlearningtobecontentwithwhatyoualreadyhave.Friend,we'vegotsomuch.We'vegotaGodthatlovesusevenonourworstdays.He'srighttherewithusalways.Let'spraytohimrightnow.HeavenlyFather,Ijustwanttothankyourightnowforthesimplemomentstobringpeaceandrestinourlives.And,Lord,helpusalltorecognizethatjoydoesn'thavetobeexpensive,doesn'tcomewithapricetag.Teachustoslowdown,Lord,tobreatheandtoreallyreceivethesmallblessingyouplaceinourdayeverysingleday.Takeawaytheguiltaroundhealthyrestandenjoyment,Lord,andhelpustogrowaheartofcontentmentthatseestherichness,thetruerichnessandwhatwealreadyhaveandwhatyou'vealreadygivenus.Lord,wejustthankyousomuchforthatlove.WeaskthisinJesusname.Amen.Friend,Iwanttosaysomethingbold.53yearsold.Ireallybelievethis.Now,Idon'tknowifIwouldhavesaidthis20yearsago,butsometimestherichestmomentsarethesimplestones.Therichestmomentsarethesimplestones.Justthinkaboutthattoday.Whenyougoaboutyourdaytoday,justthinkaboutthat.Whataretherichestmomentsofyourlife?AndIthinkyou'regonnafindthey'rethesimplestones.SoIwanttothankyousomuchforjoiningmetoday.Ifyou'vegotaquestionfortheshow,Iwouldlovetohearyourquestion.Maybesomething'sbeenburdeningyou.MaybelikeRalph.IwonderhowRalphwouldhandlethis.Youcangotoourwebsite,gotofinanciallyconfidentchristian.com?WejustdidalittlebitnewthingontheForeigner.Madeitsupersimpleforyou.We'llputalinkintheshownotes.Butgotofinanciallyconfidentchristian.com?AndIjustwantedtosayonemorethingtoday,let'sfindthoserichmoments,let'sfindthosesimplemomentsandlet'sjustliveinthatrealitytoday.Godblessyouandyouhaveagreatdaytoday.