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Why Can’t I Keep My Financial Resolutions? · Becoming Financially Confident

• 0:37
  Ralph,
• 0:38
  I
• 0:38
  crushed
• 0:38
  January
• 0:39
  and
• 0:39
  crashed
• 0:39
  by
• 0:40
  February.
• 0:41
  How
• 0:41
  can
• 0:41
  I
• 0:41
  keep
• 0:41
  my
• 0:42
  resolutions?
• 0:43
  Let
• 0:43
  me
• 0:43
  tell
• 0:43
  you.
• 0:44
  First
• 0:44
  of
• 0:44
  all,
• 0:44
  I'm
• 0:44
  not
• 0:44
  a
• 0:45
  big
• 0:45
  fan
• 0:45
  of
• 0:45
  resolutions.
• 0:46
  If
• 0:46
  you
• 0:46
  want
• 0:46
  to
• 0:46
  do
• 0:46
  them,
• 0:46
  that's
• 0:47
  fine.
• 0:47
  But
• 0:48
  so
• 0:48
  many
• 0:48
  people
• 0:49
  start
• 0:49
  the
• 0:49
  year
• 0:49
  with
• 0:50
  fire.
• 0:51
  But
• 0:51
  then
• 0:51
  by
• 0:51
  week
• 0:52
  five,
• 0:52
  listen
• 0:52
  for
• 0:52
  me,
• 0:53
  by
• 0:53
  week,
• 0:53
  by
• 0:53
  day
• 0:54
  two,
• 0:54
  I'm
• 0:54
  fried.
• 0:56
  But
• 0:56
  in
• 0:56
  the
• 0:56
  end,
• 0:56
  you
• 0:57
  don't
• 0:57
  have
• 0:57
  a
• 0:57
  discipline
• 0:57
  problem.
• 0:58
  You
• 0:58
  got
• 0:58
  a
• 0:58
  system
• 0:59
  gap.
• 0:59
  And
• 0:59
  I
• 0:59
  love
• 0:59
  what
• 1:00
  James
• 1:00
  Clear.
• 1:00
  He
• 1:00
  wrote
• 1:00
  a
• 1:01
  book
• 1:01
  called
• 1:01
  Atomic
• 1:01
  Habits.
• 1:02
  And
• 1:03
  he
• 1:03
  said
• 1:03
  this.
• 1:03
  He
• 1:03
  said,
• 1:03
  you
• 1:04
  don't
• 1:04
  rise
• 1:04
  to
• 1:04
  the
• 1:04
  level
• 1:05
  of
• 1:05
  your
• 1:05
  goals.
• 1:06
  You
• 1:06
  fall
• 1:06
  to
• 1:06
  the
• 1:06
  level
• 1:07
  of
• 1:07
  your
• 1:07
  systems.
• 1:09
  And
• 1:09
  that
• 1:09
  is
• 1:09
  so
• 1:09
  true.
• 1:11
  See,
• 1:11
  God's
• 1:11
  not
• 1:11
  asking
• 1:12
  for
• 1:12
  perfection.
• 1:13
  He
• 1:13
  just
• 1:14
  wants
• 1:14
  persistence.
• 1:15
  Because
• 1:16
  if
• 1:16
  we're
• 1:16
  being
• 1:16
  honest
• 1:16
  with
• 1:16
  each
• 1:17
  other,
• 1:17
  excitement
• 1:17
  fades,
• 1:18
  but
• 1:19
  systems
• 1:19
  endure.
• 1:20
  And
• 1:21
  that
• 1:21
  January
• 1:21
  motivation
• 1:22
  feels
• 1:22
  spiritual,
• 1:23
  but
• 1:23
  that
• 1:24
  February
• 1:24
  reality
• 1:24
  feels
• 1:25
  heavy.
• 1:25
  So
• 1:25
  let's
• 1:25
  talk
• 1:26
  about
• 1:26
  how
• 1:26
  to
• 1:26
  build
• 1:26
  habits
• 1:27
  that
• 1:27
  oust
• 1:27
  lay
• 1:27
  us
• 1:28
  hype
• 1:28
  on
• 1:28
  today's
• 1:29
  show.
• 1:50
  Hello
• 1:51
  and
• 1:51
  welcome.
• 1:51
  I'm
• 1:51
  Ralph.
• 1:52
  Thank
• 1:52
  you
• 1:52
  for
• 1:52
  joining
• 1:52
  me
• 1:52
  today
• 1:53
  on
• 1:53
  Financially
• 1:53
  Confident
• 1:54
  Christian.
• 1:54
  My
• 1:54
  goal
• 1:54
  every
• 1:55
  day
• 1:55
  is
• 1:55
  to
• 1:55
  help
• 1:56
  you
• 1:56
  break
• 1:56
  that
• 1:56
  cycle
• 1:57
  of
• 1:57
  financial
• 1:57
  shame
• 1:58
  and
• 1:58
  do
• 1:58
  it
• 1:58
  with
• 1:59
  confidence.
• 2:00
  And
• 2:00
  the
• 2:00
  thing
• 2:00
  I'll
• 2:00
  tell
• 2:01
  you,
• 2:01
  I've
• 2:01
  been
• 2:01
  coaching
• 2:01
  people
• 2:02
  just
• 2:02
  like
• 2:02
  you
• 2:03
  for
• 2:03
  a
• 2:03
  long
• 2:03
  time
• 2:04
  now.
• 2:04
  And
• 2:05
  what
• 2:05
  I
• 2:05
  have
• 2:05
  learned
• 2:06
  is
• 2:06
  people
• 2:07
  who
• 2:07
  stay
• 2:07
  consistent
• 2:08
  are
• 2:09
  more
• 2:09
  successful.
• 2:10
  And
• 2:10
  once
• 2:10
  they
• 2:10
  simplify
• 2:11
  things,
• 2:11
  it
• 2:11
  makes
• 2:12
  it
• 2:12
  even
• 2:12
  simpler.
• 2:13
  And
• 2:13
  my
• 2:14
  own
• 2:14
  breakthroughs,
• 2:14
  because,
• 2:15
  listen,
• 2:15
  I've
• 2:16
  lived
• 2:16
  what
• 2:16
  you're
• 2:16
  living
• 2:16
  right
• 2:17
  now.
• 2:17
  They
• 2:18
  didn't
• 2:18
  come
• 2:18
  through
• 2:18
  these
• 2:18
  big
• 2:19
  magic
• 2:20
  portions
• 2:20
  of
• 2:21
  things
• 2:21
  that
• 2:21
  worked
• 2:21
  out.
• 2:22
  They
• 2:22
  came
• 2:23
  from
• 2:23
  boring,
• 2:23
  faithful
• 2:24
  repetition,
• 2:25
  and
• 2:26
  it
• 2:26
  wasn't
• 2:26
  exciting,
• 2:27
  but
• 2:28
  it
• 2:28
  worked.
• 2:29
  Let
• 2:29
  me
• 2:29
  tell
• 2:29
  you
• 2:29
  about
• 2:29
  a
• 2:29
  listener.
• 2:30
  She
• 2:30
  sent
• 2:30
  us
• 2:30
  this
• 2:30
  email.
• 2:31
  It's
• 2:31
  been
• 2:31
  about
• 2:31
  six
• 2:32
  months
• 2:32
  now.
• 2:33
  And
• 2:33
  she
• 2:33
  says,
• 2:33
  ralph,
• 2:33
  one
• 2:34
  of
• 2:34
  the
• 2:34
  things
• 2:34
  I
• 2:34
  want
• 2:34
  to
• 2:34
  do
• 2:35
  for
• 2:35
  next
• 2:35
  year
• 2:36
  is
• 2:36
  I
• 2:36
  want
• 2:36
  to
• 2:36
  make
• 2:36
  a
• 2:36
  resolution
• 2:37
  to
• 2:37
  not
• 2:38
  eat
• 2:38
  out
• 2:38
  so
• 2:38
  much.
• 2:38
  She
• 2:38
  realizes
• 2:39
  she's
• 2:39
  spending
• 2:39
  a
• 2:39
  lot
• 2:40
  of
• 2:40
  money
• 2:40
  on
• 2:40
  eating
• 2:41
  out,
• 2:41
  going
• 2:41
  to
• 2:41
  restaurants.
• 2:42
  She
• 2:42
  said,
• 2:42
  I
• 2:43
  want
• 2:43
  to
• 2:43
  do
• 2:43
  it
• 2:43
  on
• 2:43
  the
• 2:43
  weekends,
• 2:44
  but,
• 2:44
  Ralph,
• 2:44
  I
• 2:44
  want
• 2:44
  to
• 2:45
  stop
• 2:45
  doing
• 2:45
  that
• 2:45
  on
• 2:45
  the
• 2:46
  weekdays.
• 2:47
  And
• 2:47
  I
• 2:47
  said,
• 2:47
  that
• 2:47
  is
• 2:48
  a
• 2:48
  great
• 2:48
  resolution.
• 2:48
  Again,
• 2:49
  I'm
• 2:49
  not
• 2:49
  a
• 2:49
  big
• 2:49
  fan
• 2:49
  of
• 2:49
  resolutions,
• 2:50
  but
• 2:50
  I
• 2:51
  like
• 2:51
  this
• 2:51
  one
• 2:51
  because
• 2:52
  she's
• 2:52
  going
• 2:52
  back
• 2:52
  and
• 2:52
  she's
• 2:53
  seeing
• 2:53
  how
• 2:53
  much
• 2:53
  money
• 2:54
  she's
• 2:54
  losing
• 2:54
  from
• 2:55
  going
• 2:55
  out
• 2:55
  to
• 2:55
  eat
• 2:56
  during
• 2:56
  the
• 2:56
  week.
• 2:56
  I
• 2:56
  said
• 2:56
  to
• 2:56
  her,
• 2:56
  I
• 2:56
  said,
• 2:57
  how
• 2:57
  can
• 2:57
  we
• 2:57
  make
• 2:57
  this
• 2:57
  work
• 2:57
  better?
• 2:58
  She
• 2:58
  goes,
• 2:58
  I
• 2:58
  got
• 2:58
  an
• 2:58
  idea.
• 2:59
  I
• 2:59
  got
• 2:59
  a
• 2:59
  friend
• 2:59
  of
• 2:59
  mine
• 2:59
  wants
• 3:00
  to
• 3:00
  do
• 3:00
  the
• 3:00
  same
• 3:00
  thing.
• 3:00
  I
• 3:00
  said,
• 3:01
  okay,
• 3:01
  great.
• 3:01
  Here's
• 3:01
  what
• 3:01
  we're
• 3:02
  going
• 3:02
  to
• 3:02
  do.
• 3:02
  We're
• 3:02
  going
• 3:02
  to
• 3:03
  have
• 3:03
  a
• 3:03
  competition,
• 3:03
  and
• 3:04
  we're
• 3:04
  going
• 3:04
  to
• 3:04
  See
• 3:04
  who
• 3:05
  could
• 3:05
  save
• 3:05
  the
• 3:05
  most.
• 3:06
  And
• 3:07
  she
• 3:07
  tracked
• 3:07
  this
• 3:07
  weekly
• 3:08
  with
• 3:08
  a
• 3:08
  friend.
• 3:08
  And
• 3:08
  listen
• 3:08
  to
• 3:08
  this,
• 3:10
  the
• 3:10
  two
• 3:10
  of
• 3:11
  them,
• 3:11
  each
• 3:11
  of
• 3:11
  them
• 3:11
  saved
• 3:12
  240
• 3:13
  plus
• 3:13
  dollars
• 3:13
  a
• 3:14
  month
• 3:15
  just
• 3:15
  by
• 3:15
  cutting
• 3:16
  out,
• 3:16
  eating
• 3:16
  out
• 3:17
  during
• 3:17
  the
• 3:17
  week.
• 3:17
  That
• 3:18
  means
• 3:18
  doordash,
• 3:19
  means
• 3:19
  all
• 3:19
  those
• 3:19
  things
• 3:19
  just
• 3:19
  eating
• 3:20
  at
• 3:20
  home.
• 3:21
  And
• 3:21
  the
• 3:21
  best
• 3:22
  part
• 3:22
  of
• 3:22
  they
• 3:23
  kept
• 3:23
  it
• 3:23
  all
• 3:23
  year.
• 3:24
  And
• 3:25
  her
• 3:25
  secret
• 3:25
  wasn't
• 3:25
  willpower,
• 3:27
  it
• 3:27
  was
• 3:27
  structure.
• 3:27
  Like
• 3:28
  James
• 3:28
  Clear
• 3:28
  said,
• 3:29
  it
• 3:29
  was
• 3:29
  a
• 3:29
  system.
• 3:30
  So
• 3:31
  let's
• 3:31
  get
• 3:31
  back
• 3:31
  to
• 3:31
  our
• 3:31
  question
• 3:32
  today.
• 3:32
  Why
• 3:32
  do
• 3:32
  resolutions
• 3:33
  break?
• 3:34
  And
• 3:34
  how
• 3:34
  can
• 3:34
  you
• 3:35
  finally
• 3:35
  make
• 3:35
  them
• 3:35
  stick?
• 3:36
  And
• 3:36
  again,
• 3:36
  like
• 3:36
  I
• 3:36
  said,
• 3:36
  I'm
• 3:37
  not
• 3:37
  a
• 3:37
  huge
• 3:37
  fan
• 3:38
  of
• 3:38
  resolutions.
• 3:39
  Let's
• 3:40
  use
• 3:40
  my
• 3:40
  term,
• 3:40
  how
• 3:41
  do
• 3:41
  we
• 3:41
  make
• 3:41
  better
• 3:41
  plans?
• 3:42
  Because
• 3:43
  what
• 3:43
  we
• 3:43
  want
• 3:43
  to
• 3:43
  go
• 3:43
  for
• 3:44
  to
• 3:44
  is
• 3:44
  empowerment.
• 3:45
  I'm
• 3:46
  going
• 3:46
  to
• 3:46
  share
• 3:46
  some
• 3:46
  ideas
• 3:47
  with
• 3:47
  you.
• 3:47
  Number
• 3:47
  one,
• 3:47
  number
• 3:48
  one
• 3:48
  thing,
• 3:49
  simpler
• 3:49
  sticks
• 3:50
  longer.
• 3:50
  A
• 3:50
  lot
• 3:50
  of
• 3:50
  people
• 3:50
  get
• 3:50
  in
• 3:51
  these
• 3:51
  pie
• 3:51
  in
• 3:51
  the
• 3:51
  sky,
• 3:52
  these
• 3:52
  broad
• 3:52
  bases,
• 3:53
  massive
• 3:53
  things.
• 3:55
  Just
• 3:55
  go
• 3:56
  to
• 3:56
  one
• 3:56
  idea,
• 3:57
  just
• 3:57
  one
• 3:57
  focus
• 3:58
  change
• 3:58
  beats
• 3:59
  10
• 3:59
  failed
• 4:00
  ones.
• 4:01
  Pick
• 4:01
  just
• 4:01
  one
• 4:01
  lever.
• 4:02
  I
• 4:02
  love
• 4:02
  what
• 4:02
  this
• 4:02
  listener
• 4:03
  did,
• 4:03
  Ralph.
• 4:03
  I
• 4:04
  don't
• 4:04
  want
• 4:04
  to
• 4:04
  eat
• 4:04
  out
• 4:04
  during
• 4:05
  the
• 4:05
  week
• 4:06
  because
• 4:06
  that
• 4:06
  one
• 4:07
  simple
• 4:07
  change
• 4:07
  lifts
• 4:08
  a
• 4:08
  whole
• 4:08
  lot.
• 4:09
  And
• 4:10
  it's
• 4:10
  not
• 4:10
  doable
• 4:11
  daily.
• 4:11
  It's
• 4:11
  not
• 4:11
  going
• 4:11
  to
• 4:12
  last
• 4:12
  Monday.
• 4:12
  That's
• 4:12
  the
• 4:12
  thing.
• 4:12
  You
• 4:12
  got
• 4:13
  to
• 4:13
  understand
• 4:13
  simple
• 4:14
  changes
• 4:16
  because
• 4:16
  when
• 4:16
  you
• 4:16
  start
• 4:17
  with
• 4:17
  less,
• 4:17
  God
• 4:18
  can
• 4:18
  multiply
• 4:18
  it
• 4:19
  more.
• 4:20
  Because
• 4:20
  a
• 4:20
  lot
• 4:20
  of
• 4:20
  people
• 4:21
  you
• 4:21
  need
• 4:21
  to
• 4:21
  understand,
• 4:21
  you
• 4:21
  need
• 4:21
  to
• 4:21
  hear
• 4:22
  this
• 4:22
  right
• 4:22
  now.
• 4:22
  You're
• 4:22
  not
• 4:22
  lazy.
• 4:23
  You
• 4:23
  just
• 4:23
  overlook.
• 4:24
  You're
• 4:24
  trying
• 4:24
  to
• 4:24
  do
• 4:24
  too
• 4:24
  much
• 4:25
  at
• 4:25
  once.
• 4:25
  So
• 4:25
  that's
• 4:25
  number
• 4:25
  one.
• 4:26
  Number
• 4:26
  two,
• 4:27
  you're
• 4:27
  going
• 4:27
  to
• 4:27
  laugh
• 4:28
  when
• 4:28
  I
• 4:28
  tell
• 4:28
  you
• 4:28
  this.
• 4:28
  One.
• 4:28
  Habit
• 4:29
  over
• 4:29
  hype.
• 4:30
  See,
• 4:30
  faith
• 4:31
  isn't
• 4:31
  about
• 4:31
  a
• 4:32
  moment.
• 4:32
  It's
• 4:32
  about
• 4:32
  a
• 4:33
  method.
• 4:33
  Again,
• 4:33
  I'm
• 4:33
  going
• 4:34
  back
• 4:34
  to
• 4:34
  what
• 4:34
  James
• 4:34
  Clear
• 4:34
  said.
• 4:35
  What
• 4:35
  are
• 4:35
  systems?
• 4:37
  So
• 4:38
  think
• 4:38
  about
• 4:38
  your
• 4:38
  new
• 4:39
  habits
• 4:39
  that
• 4:39
  you
• 4:39
  want
• 4:40
  to
• 4:40
  build
• 4:40
  into.
• 4:40
  What
• 4:40
  are
• 4:41
  your
• 4:41
  existing
• 4:41
  rhythms
• 4:42
  right
• 4:42
  now,
• 4:42
  here's
• 4:43
  a
• 4:43
  great
• 4:43
  example.
• 4:44
  Let's
• 4:44
  say
• 4:44
  that
• 4:45
  you
• 4:45
  always
• 4:45
  go
• 4:45
  to
• 4:45
  church
• 4:46
  on
• 4:46
  Sunday.
• 4:46
  Sunday's
• 4:47
  a
• 4:47
  day
• 4:47
  to
• 4:47
  do
• 4:47
  some,
• 4:48
  some
• 4:48
  recollection
• 4:49
  and
• 4:49
  some
• 4:49
  reflection.
• 4:50
  Well,
• 4:50
  maybe
• 4:51
  Sunday's
• 4:51
  a
• 4:51
  great
• 4:51
  day
• 4:52
  to
• 4:52
  do
• 4:52
  your
• 4:52
  budget
• 4:52
  check,
• 4:54
  pray
• 4:54
  for
• 4:54
  provision,
• 4:55
  look
• 4:55
  over
• 4:55
  where
• 4:55
  your
• 4:55
  money
• 4:56
  went
• 4:56
  this
• 4:56
  week
• 4:57
  because
• 4:57
  those
• 4:57
  small
• 4:58
  rhythms
• 4:59
  can
• 4:59
  form
• 4:59
  strong
• 5:00
  roots.
• 5:00
  They
• 5:00
  say
• 5:00
  it
• 5:01
  takes
• 5:01
  about
• 5:01
  six
• 5:01
  weeks
• 5:01
  to
• 5:02
  start
• 5:02
  a
• 5:02
  new
• 5:03
  habit
• 5:03
  or
• 5:03
  to
• 5:03
  break
• 5:03
  one.
• 5:04
  I
• 5:04
  find
• 5:04
  myself
• 5:05
  breaking
• 5:05
  habits
• 5:05
  more
• 5:05
  than
• 5:06
  starting
• 5:06
  them.
• 5:07
  But
• 5:07
  see,
• 5:07
  it's
• 5:08
  that
• 5:08
  consistency,
• 5:08
  it's
• 5:08
  not
• 5:09
  hype.
• 5:09
  A
• 5:09
  lot
• 5:09
  of
• 5:09
  people
• 5:09
  will
• 5:10
  say
• 5:10
  all
• 5:10
  kinds
• 5:10
  of
• 5:10
  nonsense.
• 5:11
  Oh,
• 5:11
  here's
• 5:11
  your
• 5:12
  best
• 5:12
  way
• 5:12
  to
• 5:12
  get
• 5:12
  through
• 5:13
  your
• 5:13
  New
• 5:13
  Year's
• 5:13
  resolutions.
• 5:14
  Buy
• 5:14
  this
• 5:14
  app.
• 5:15
  Sign
• 5:15
  up
• 5:15
  for
• 5:15
  this
• 5:16
  course.
• 5:17
  Most
• 5:17
  people,
• 5:17
  it's
• 5:18
  not
• 5:18
  going
• 5:18
  to
• 5:18
  work.
• 5:18
  They're
• 5:18
  going
• 5:18
  to.
• 5:19
  You're
• 5:19
  going
• 5:19
  to.
• 5:19
  You're
• 5:19
  going
• 5:19
  to
• 5:19
  lose
• 5:19
  some
• 5:19
  money.
• 5:21
  You're
• 5:21
  going
• 5:21
  to
• 5:21
  have
• 5:21
  a
• 5:22
  course.
• 5:22
  Maybe
• 5:22
  you'll
• 5:22
  spend
• 5:22
  a
• 5:23
  couple
• 5:23
  days
• 5:23
  doing
• 5:23
  it.
• 5:24
  But
• 5:24
  it's
• 5:25
  that
• 5:25
  consistency
• 5:26
  that's
• 5:26
  greater
• 5:27
  than
• 5:27
  the
• 5:27
  hype
• 5:27
  because
• 5:28
  it
• 5:28
  breaks
• 5:28
  that
• 5:28
  guilt.
• 5:29
  One
• 5:30
  of
• 5:30
  the
• 5:30
  main
• 5:30
  core
• 5:30
  principles
• 5:31
  of
• 5:31
  this
• 5:31
  show
• 5:32
  is
• 5:32
  so
• 5:32
  many
• 5:32
  of
• 5:32
  us
• 5:32
  get
• 5:33
  stuck
• 5:33
  in
• 5:33
  that
• 5:34
  cycle
• 5:34
  of
• 5:34
  financial
• 5:34
  shame,
• 5:36
  but
• 5:36
  you
• 5:36
  break
• 5:37
  out
• 5:37
  of
• 5:37
  it
• 5:37
  when
• 5:37
  you're
• 5:37
  consistent.
• 5:39
  Which
• 5:39
  leads
• 5:39
  me
• 5:39
  to
• 5:40
  this.
• 5:40
  Track
• 5:40
  it.
• 5:41
  Don't
• 5:41
  just
• 5:41
  try
• 5:41
  it.
• 5:43
  What
• 5:43
  gets
• 5:43
  measured
• 5:43
  gets
• 5:44
  mastered.
• 5:44
  I
• 5:44
  know
• 5:44
  you
• 5:44
  probably
• 5:45
  see,
• 5:45
  Ralph,
• 5:45
  you
• 5:45
  say
• 5:45
  that
• 5:46
  on
• 5:46
  the
• 5:46
  show
• 5:46
  all
• 5:46
  the
• 5:46
  time,
• 5:46
  but
• 5:47
  I
• 5:47
  truly
• 5:47
  believe
• 5:47
  this.
• 5:47
  I'm
• 5:48
  a
• 5:48
  true
• 5:48
  believer
• 5:48
  in
• 5:48
  this.
• 5:50
  Put
• 5:50
  your
• 5:50
  progress
• 5:51
  where
• 5:51
  your
• 5:51
  eyes
• 5:51
  can
• 5:52
  see
• 5:52
  it,
• 5:53
  because
• 5:53
  when
• 5:53
  you
• 5:53
  can
• 5:54
  see
• 5:54
  it,
• 5:54
  you
• 5:54
  can
• 5:54
  measure
• 5:54
  it,
• 5:55
  you
• 5:55
  can
• 5:55
  do
• 5:55
  something
• 5:55
  about
• 5:56
  it.
• 5:57
  It's
• 5:57
  so
• 5:57
  easy
• 5:58
  to
• 5:58
  leave
• 5:58
  that
• 5:58
  invisible.
• 5:59
  But
• 5:59
  when
• 5:59
  you
• 5:59
  track
• 6:00
  it,
• 6:00
  it
• 6:00
  turns
• 6:01
  that
• 6:01
  invisible
• 6:02
  growth
• 6:02
  into
• 6:02
  something
• 6:03
  that's
• 6:03
  a
• 6:03
  visible
• 6:03
  victory.
• 6:04
  You
• 6:04
  can
• 6:04
  have
• 6:05
  those
• 6:05
  celebrations
• 6:07
  because
• 6:08
  even
• 6:08
  Jesus
• 6:09
  told
• 6:09
  stories
• 6:09
  about
• 6:10
  servants
• 6:10
  accounting
• 6:11
  for
• 6:11
  what
• 6:11
  they
• 6:11
  were
• 6:11
  given.
• 6:12
  Think
• 6:12
  about
• 6:12
  the
• 6:13
  parable
• 6:13
  to
• 6:13
  talents
• 6:15
  and
• 6:15
  see,
• 6:16
  stewardship
• 6:16
  is
• 6:16
  spiritual
• 6:17
  record
• 6:17
  keeping.
• 6:18
  We
• 6:18
  got
• 6:18
  to
• 6:18
  keep
• 6:18
  track
• 6:18
  of
• 6:19
  this.
• 6:20
  Another
• 6:21
  thing
• 6:21
  I'm
• 6:21
  going
• 6:21
  to
• 6:21
  encourage
• 6:21
  you
• 6:21
  to
• 6:22
  do
• 6:22
  is
• 6:22
  add
• 6:22
  some
• 6:22
  accountability.
• 6:23
  This
• 6:23
  is
• 6:23
  the
• 6:23
  thing
• 6:23
  I
• 6:23
  will
• 6:23
  tell
• 6:24
  you.
• 6:24
  What
• 6:25
  I
• 6:25
  have
• 6:25
  found
• 6:25
  that
• 6:25
  works
• 6:26
  most
• 6:26
  best
• 6:26
  for
• 6:27
  most
• 6:27
  people
• 6:28
  is
• 6:28
  you
• 6:29
  got
• 6:29
  to
• 6:29
  work
• 6:29
  with
• 6:29
  somebody
• 6:29
  else.
• 6:29
  Because
• 6:30
  trying
• 6:30
  to
• 6:30
  do
• 6:30
  it
• 6:30
  alone
• 6:30
  fades
• 6:31
  fast.
• 6:32
  It
• 6:32
  just
• 6:32
  does.
• 6:33
  But
• 6:33
  if
• 6:34
  you
• 6:34
  do
• 6:34
  it
• 6:34
  together,
• 6:34
  if
• 6:34
  you
• 6:35
  have
• 6:35
  somebody
• 6:35
  that
• 6:35
  you
• 6:35
  can
• 6:35
  rely
• 6:36
  on
• 6:36
  somebody
• 6:36
  when
• 6:36
  you're
• 6:36
  having
• 6:37
  one
• 6:37
  of
• 6:37
  those
• 6:37
  rough
• 6:37
  days,
• 6:38
  that's
• 6:38
  why
• 6:38
  it
• 6:38
  works
• 6:38
  so
• 6:38
  well
• 6:39
  for
• 6:39
  our
• 6:39
  listeners.
• 6:40
  Her
• 6:40
  good
• 6:40
  girlfriend
• 6:40
  of
• 6:41
  hers,
• 6:41
  they
• 6:41
  did
• 6:41
  it
• 6:41
  together.
• 6:42
  They
• 6:43
  made
• 6:43
  recipes
• 6:43
  out
• 6:44
  so
• 6:44
  they
• 6:44
  could
• 6:44
  eat,
• 6:44
  you
• 6:45
  know,
• 6:45
  during
• 6:45
  the
• 6:45
  week
• 6:45
  without
• 6:46
  going
• 6:46
  out.
• 6:46
  They
• 6:46
  made
• 6:46
  it
• 6:46
  a
• 6:47
  game.
• 6:47
  They
• 6:47
  gamified
• 6:47
  it.
• 6:49
  So
• 6:49
  right
• 6:49
  now,
• 6:49
  tell
• 6:50
  a
• 6:50
  friend,
• 6:50
  if
• 6:50
  you're
• 6:50
  struggling
• 6:51
  with
• 6:51
  something
• 6:51
  financially,
• 6:52
  tell
• 6:52
  a
• 6:52
  friend,
• 6:52
  use
• 6:52
  an
• 6:53
  app,
• 6:53
  join
• 6:53
  a
• 6:53
  group.
• 6:54
  I'm
• 6:54
  gonna
• 6:54
  talk
• 6:54
  to
• 6:54
  you
• 6:54
  about
• 6:54
  a
• 6:54
  community
• 6:55
  here
• 6:55
  in
• 6:55
  a
• 6:55
  minute.
• 6:57
  But
• 6:57
  community
• 6:57
  keeps
• 6:58
  commitments
• 6:58
  alive
• 6:58
  because
• 6:59
  you
• 6:59
  don't
• 6:59
  need
• 7:00
  constant
• 7:00
  cheerleaders.
• 7:01
  A
• 7:02
  lot
• 7:02
  of
• 7:02
  people
• 7:02
  say,
• 7:02
  well,
• 7:02
  I
• 7:02
  need
• 7:03
  a
• 7:03
  cheering
• 7:03
  section.
• 7:03
  No,
• 7:04
  you
• 7:04
  just
• 7:05
  need
• 7:05
  one
• 7:05
  person
• 7:06
  that
• 7:06
  you
• 7:06
  can
• 7:06
  check
• 7:06
  in
• 7:06
  with.
• 7:07
  One
• 7:07
  of
• 7:07
  the
• 7:07
  best
• 7:07
  ways
• 7:08
  that
• 7:08
  things
• 7:08
  like
• 7:09
  Alcoholics
• 7:09
  Anonymous
• 7:10
  work
• 7:10
  well
• 7:10
  is
• 7:10
  because
• 7:11
  you
• 7:11
  have
• 7:12
  sponsor,
• 7:12
  you
• 7:12
  have
• 7:12
  accountability
• 7:13
  partner,
• 7:14
  you
• 7:14
  have
• 7:14
  somebody
• 7:15
  that
• 7:15
  cares
• 7:15
  for
• 7:15
  you.
• 7:16
  My
• 7:16
  people
• 7:16
  say,
• 7:16
  well,
• 7:16
  that's
• 7:17
  control.
• 7:17
  No,
• 7:17
  it's
• 7:17
  not.
• 7:18
  Accountability
• 7:18
  isn't
• 7:19
  control,
• 7:19
  it's
• 7:20
  care.
• 7:22
  So
• 7:22
  go
• 7:22
  find
• 7:22
  that
• 7:23
  person.
• 7:23
  Maybe
• 7:23
  you're
• 7:23
  that
• 7:24
  person
• 7:24
  for
• 7:24
  somebody
• 7:24
  else.
• 7:25
  Let's
• 7:26
  get
• 7:26
  into
• 7:26
  our
• 7:26
  Bible
• 7:26
  verse
• 7:27
  today
• 7:27
  again,
• 7:27
  we
• 7:27
  go
• 7:27
  to
• 7:28
  Proverbs,
• 7:28
  chapter
• 7:29
  16,
• 7:29
  verse
• 7:29
  3.
• 7:30
  And
• 7:30
  it
• 7:30
  says
• 7:30
  this,
• 7:31
  and
• 7:31
  I
• 7:31
  just
• 7:31
  love
• 7:31
  this
• 7:31
  one.
• 7:32
  Commit
• 7:32
  to
• 7:32
  the
• 7:32
  Lord
• 7:33
  whatever
• 7:33
  you
• 7:33
  do,
• 7:34
  and
• 7:34
  he
• 7:34
  will
• 7:34
  establish
• 7:35
  your
• 7:35
  plans.
• 7:38
  Commit
• 7:38
  first.
• 7:39
  You
• 7:39
  notice
• 7:40
  that
• 7:40
  he
• 7:40
  starts
• 7:40
  off
• 7:40
  with
• 7:41
  that.
• 7:41
  Commit
• 7:41
  to
• 7:41
  the
• 7:42
  Lord
• 7:42
  whatever
• 7:42
  you
• 7:42
  do.
• 7:42
  You
• 7:43
  got
• 7:43
  to
• 7:43
  start
• 7:43
  there.
• 7:44
  If
• 7:44
  we're
• 7:44
  going
• 7:44
  to
• 7:44
  plan
• 7:45
  things,
• 7:45
  commit
• 7:46
  them
• 7:46
  to
• 7:46
  the
• 7:46
  Lord.
• 7:46
  So
• 7:46
  if
• 7:47
  you
• 7:47
  don't
• 7:47
  want
• 7:47
  to
• 7:47
  do
• 7:47
  resolutions,
• 7:47
  if
• 7:47
  you're
• 7:48
  like
• 7:48
  me,
• 7:48
  you
• 7:48
  don't
• 7:48
  regret,
• 7:49
  well,
• 7:49
  commit
• 7:49
  these
• 7:49
  things
• 7:50
  here,
• 7:50
  Lord.
• 7:50
  These
• 7:51
  are
• 7:51
  the
• 7:51
  things
• 7:51
  that
• 7:51
  I
• 7:51
  am
• 7:52
  going
• 7:52
  to
• 7:52
  do
• 7:52
  in
• 7:52
  the
• 7:52
  new
• 7:52
  year.
• 7:53
  Here's
• 7:53
  the
• 7:53
  things
• 7:53
  that
• 7:53
  I'm
• 7:54
  going
• 7:54
  to
• 7:54
  focus
• 7:54
  on.
• 7:55
  Commit
• 7:56
  those
• 7:56
  things
• 7:56
  first,
• 7:57
  and
• 7:57
  he'll
• 7:57
  help
• 7:57
  you
• 7:57
  establish
• 7:58
  them.
• 7:59
  Because
• 7:59
  here's
• 8:00
  the
• 8:00
  truth.
• 8:00
  God
• 8:00
  doesn't
• 8:01
  build
• 8:01
  what
• 8:01
  you
• 8:01
  won't
• 8:02
  bring
• 8:02
  to
• 8:02
  him.
• 8:03
  Most
• 8:03
  people's
• 8:04
  New
• 8:04
  Year's
• 8:04
  resolutions
• 8:05
  fail
• 8:06
  because
• 8:07
  you
• 8:07
  haven't
• 8:07
  taken
• 8:07
  them
• 8:08
  to
• 8:08
  God
• 8:08
  and
• 8:08
  said,
• 8:08
  God,
• 8:09
  this
• 8:09
  is
• 8:09
  what
• 8:10
  I
• 8:10
  want
• 8:10
  to
• 8:10
  do.
• 8:10
  Is
• 8:11
  it
• 8:11
  in
• 8:11
  your
• 8:11
  will
• 8:11
  for
• 8:11
  me
• 8:12
  to
• 8:12
  do
• 8:12
  this?
• 8:13
  Well,
• 8:13
  how
• 8:13
  about
• 8:13
  we
• 8:13
  pray
• 8:14
  together
• 8:14
  right
• 8:14
  now,
• 8:15
  Lord,
• 8:15
  we
• 8:15
  come
• 8:15
  to
• 8:16
  you
• 8:16
  right
• 8:16
  now,
• 8:16
  and
• 8:16
  we
• 8:16
  want
• 8:17
  to
• 8:17
  move
• 8:17
  forward.
• 8:17
  We
• 8:18
  want
• 8:18
  to
• 8:18
  do
• 8:18
  good
• 8:18
  things
• 8:18
  in
• 8:19
  the
• 8:19
  new
• 8:19
  year.
• 8:19
  Lord,
• 8:21
  we
• 8:21
  ask
• 8:21
  you
• 8:21
  right
• 8:21
  now
• 8:22
  to
• 8:22
  help
• 8:22
  us
• 8:22
  choose
• 8:22
  commitment
• 8:23
  over
• 8:23
  emotion.
• 8:23
  It's
• 8:24
  so
• 8:24
  easy
• 8:24
  to
• 8:24
  get
• 8:24
  tied
• 8:24
  into
• 8:24
  emotion.
• 8:25
  I'm
• 8:25
  going
• 8:25
  to
• 8:25
  do
• 8:25
  this.
• 8:25
  I'm
• 8:26
  going
• 8:26
  to
• 8:26
  do
• 8:26
  this.
• 8:26
  And
• 8:27
  then
• 8:27
  when
• 8:27
  we
• 8:27
  struggle,
• 8:29
  we
• 8:29
  don't
• 8:29
  know
• 8:29
  what
• 8:29
  to
• 8:29
  do.
• 8:29
  So,
• 8:30
  Lord,
• 8:30
  teach
• 8:30
  us
• 8:30
  endurance
• 8:32
  day
• 8:32
  by
• 8:32
  day,
• 8:33
  week
• 8:33
  by
• 8:33
  week,
• 8:33
  month
• 8:34
  by
• 8:34
  month.
• 8:36
  And
• 8:36
  Lord,
• 8:36
  above
• 8:36
  all
• 8:37
  things,
• 8:38
  give
• 8:38
  me
• 8:38
  humility
• 8:39
  right
• 8:39
  now
• 8:40
  to
• 8:40
  ask
• 8:40
  you
• 8:40
  for
• 8:41
  help.
• 8:42
  Because
• 8:42
  I
• 8:43
  recognize
• 8:43
  I
• 8:43
  need
• 8:43
  that,
• 8:44
  Lord,
• 8:45
  and
• 8:46
  make
• 8:46
  my
• 8:46
  progress
• 8:46
  steady,
• 8:47
  not
• 8:47
  spectacular.
• 8:48
  I
• 8:48
  don't
• 8:48
  need
• 8:48
  big
• 8:48
  wins,
• 8:49
  Lord.
• 8:49
  I
• 8:49
  just
• 8:49
  need
• 8:50
  little
• 8:50
  wins.
• 8:50
  But
• 8:50
  I
• 8:50
  need
• 8:51
  you
• 8:51
  at
• 8:51
  the
• 8:51
  helm
• 8:52
  of
• 8:52
  this,
• 8:52
  Lord,
• 8:53
  So
• 8:53
  give
• 8:54
  me
• 8:54
  that
• 8:54
  humility
• 8:54
  to
• 8:55
  ask
• 8:55
  for
• 8:55
  help.
• 8:55
  And
• 8:55
  Lord,
• 8:56
  I.
• 8:56
  We
• 8:56
  know
• 8:56
  that
• 8:56
  you
• 8:57
  promised
• 8:57
  us
• 8:58
  to
• 8:58
  be
• 8:58
  our
• 8:58
  provider.
• 9:00
  And,
• 9:00
  Lord,
• 9:00
  we
• 9:00
  just
• 9:01
  lean
• 9:01
  on
• 9:01
  you
• 9:01
  right
• 9:01
  now
• 9:01
  and
• 9:02
  we
• 9:02
  ask
• 9:02
  this
• 9:02
  in
• 9:02
  the
• 9:02
  name
• 9:03
  of
• 9:03
  Jesus.
• 9:04
  Amen.
• 9:05
  All
• 9:05
  right,
• 9:05
  you're
• 9:05
  one
• 9:05
  action
• 9:06
  item,
• 9:06
  and
• 9:06
  I'm
• 9:06
  kind
• 9:07
  of
• 9:07
  half
• 9:07
  hearted
• 9:07
  doing
• 9:08
  this.
• 9:09
  I'm
• 9:09
  not
• 9:09
  a
• 9:09
  big
• 9:09
  Resolution
• 9:10
  fan,
• 9:10
  but
• 9:10
  I
• 9:10
  know
• 9:11
  listeners
• 9:11
  are.
• 9:11
  So
• 9:11
  here's
• 9:12
  one,
• 9:12
  right,
• 9:12
  I
• 9:13
  want
• 9:13
  you
• 9:13
  to
• 9:13
  write
• 9:13
  down
• 9:13
  one
• 9:14
  resolution
• 9:14
  today.
• 9:15
  Just
• 9:15
  one
• 9:16
  resolution.
• 9:17
  If
• 9:17
  you
• 9:18
  listen
• 9:18
  to
• 9:18
  yesterday's
• 9:18
  show,
• 9:19
  we
• 9:19
  talked
• 9:19
  about
• 9:19
  building
• 9:19
  smart
• 9:20
  goals.
• 9:20
  I
• 9:20
  wanted
• 9:20
  to
• 9:21
  be
• 9:21
  smart.
• 9:22
  If
• 9:22
  you
• 9:22
  missed
• 9:22
  that
• 9:22
  show,
• 9:22
  you
• 9:22
  can
• 9:22
  go
• 9:22
  back
• 9:22
  and
• 9:23
  check
• 9:23
  it
• 9:23
  out.
• 9:24
  But
• 9:24
  write
• 9:25
  that
• 9:25
  resolution
• 9:25
  today
• 9:26
  and
• 9:26
  share
• 9:27
  it
• 9:27
  with
• 9:27
  one
• 9:27
  trusted
• 9:28
  person.
• 9:28
  Find
• 9:28
  that
• 9:28
  accountability
• 9:29
  person
• 9:30
  and
• 9:30
  track
• 9:30
  it.
• 9:31
  And
• 9:32
  as
• 9:32
  you're
• 9:32
  tracking
• 9:32
  it,
• 9:33
  just.
• 9:33
  I
• 9:33
  want
• 9:33
  to
• 9:33
  encourage
• 9:33
  you
• 9:33
  right
• 9:34
  now.
• 9:34
  Ask
• 9:35
  God
• 9:35
  to
• 9:36
  help
• 9:36
  you
• 9:36
  with
• 9:36
  it
• 9:36
  and
• 9:37
  then
• 9:37
  thank
• 9:37
  him
• 9:37
  for
• 9:38
  every
• 9:38
  small
• 9:38
  win.
• 9:40
  And
• 9:40
  listen,
• 9:40
  don't
• 9:41
  over
• 9:41
  plan
• 9:41
  this.
• 9:43
  A
• 9:43
  lot
• 9:43
  of
• 9:43
  people
• 9:43
  get
• 9:43
  stuck
• 9:44
  in
• 9:44
  them.
• 9:44
  And
• 9:44
  it
• 9:44
  doesn't
• 9:45
  have
• 9:45
  to
• 9:45
  be
• 9:45
  some
• 9:45
  broad
• 9:46
  big
• 9:46
  idea.
• 9:46
  It
• 9:47
  could
• 9:47
  be
• 9:47
  something
• 9:47
  very
• 9:48
  small.
• 9:49
  But
• 9:49
  just
• 9:50
  begin
• 9:50
  faithfully.
• 9:52
  Because
• 9:52
  the
• 9:52
  truth
• 9:52
  is,
• 9:53
  and
• 9:53
  I
• 9:53
  mentioned
• 9:53
  this
• 9:53
  a
• 9:53
  little
• 9:53
  earlier,
• 9:54
  you
• 9:54
  don't
• 9:54
  have
• 9:54
  to
• 9:54
  do
• 9:54
  this
• 9:54
  alone.
• 9:55
  One
• 9:55
  of
• 9:55
  the
• 9:55
  reasons
• 9:56
  I
• 9:56
  created
• 9:56
  this
• 9:56
  community,
• 9:57
  it's
• 9:57
  called
• 9:57
  financiallyconfidentchristian.com/join.
• 10:00
  That's
• 10:00
  where
• 10:00
  you
• 10:00
  get
• 10:00
  to
• 10:00
  our
• 10:00
  community.
• 10:01
  I
• 10:01
  created
• 10:01
  this
• 10:01
  community
• 10:02
  because
• 10:02
  I
• 10:02
  wanted
• 10:02
  people
• 10:03
  like
• 10:03
  you
• 10:03
  to
• 10:03
  be
• 10:03
  able
• 10:03
  to
• 10:03
  interact
• 10:04
  with
• 10:04
  each
• 10:04
  other.
• 10:05
  It's
• 10:05
  a
• 10:05
  way
• 10:05
  to
• 10:06
  help
• 10:06
  ourselves
• 10:06
  be
• 10:07
  accountable,
• 10:07
  help
• 10:08
  to
• 10:08
  pray
• 10:08
  together.
• 10:10
  There's
• 10:11
  encouragement
• 10:12
  there
• 10:12
  when
• 10:12
  you're
• 10:13
  feeling
• 10:13
  down,
• 10:14
  go
• 10:14
  to
• 10:14
  the
• 10:15
  community
• 10:15
  where
• 10:15
  we
• 10:15
  can
• 10:15
  grow
• 10:16
  further
• 10:16
  when
• 10:16
  we
• 10:16
  grow
• 10:17
  together.
• 10:17
  So
• 10:17
  again,
• 10:18
  I
• 10:18
  encourage
• 10:18
  you.
• 10:18
  It
• 10:18
  doesn't
• 10:19
  cost
• 10:19
  you
• 10:19
  a
• 10:19
  thing.
• 10:19
  Go
• 10:19
  to
• 10:20
  financiallyconfidentchristian.com/join
• 10:23
  and
• 10:23
  join
• 10:23
  our
• 10:23
  community
• 10:24
  today.
• 10:25
  And
• 10:26
  as
• 10:26
  I
• 10:26
  close
• 10:26
  today,
• 10:27
  your
• 10:27
  excitement
• 10:28
  started
• 10:29
  your
• 10:29
  journey,
• 10:30
  but
• 10:31
  your
• 10:31
  habits
• 10:31
  will
• 10:31
  finish
• 10:32
  it.
• 10:33
  Like
• 10:33
  I
• 10:33
  said
• 10:33
  earlier,
• 10:34
  simpler
• 10:34
  lasts
• 10:35
  longer.
• 10:35
  Track
• 10:35
  it,
• 10:36
  don't
• 10:36
  just
• 10:36
  try
• 10:36
  it
• 10:37
  and
• 10:37
  build
• 10:38
  that
• 10:38
  community
• 10:38
  because
• 10:38
  that
• 10:39
  accountability
• 10:39
  person
• 10:40
  is
• 10:40
  going
• 10:40
  to
• 10:40
  fuel
• 10:41
  that
• 10:41
  commitment.
• 10:41
  So
• 10:41
  I'm
• 10:41
  going
• 10:41
  to
• 10:41
  encourage
• 10:42
  you
• 10:42
  today.
• 10:42
  Go
• 10:43
  be
• 10:43
  a
• 10:43
  financially
• 10:44
  confident
• 10:44
  Christian,
• 10:45
  stay
• 10:45
  financially
• 10:46
  savvy
• 10:46
  and
• 10:46
  listen.
• 10:47
  You
• 10:47
  can
• 10:47
  do
• 10:47
  this.
• 10:49
  God's
• 10:50
  with
• 10:50
  you
• 10:50
  on
• 10:50
  this.
• 10:50
  So
• 10:50
  God
• 10:51
  bless
• 10:51
  you
• 10:51
  and
• 10:51
  I
• 10:52
  hope
• 10:52
  to
• 10:52
  see
• 10:52
  you
• 10:52
  again
• 10:52
  on
• 10:52
  tomorrow's
• 10:53
  show.