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Why Does Saving Feel Like Losing? · Becoming Financially Confident

• 0:37
  Balance
• 0:38
  you
• 0:38
  see,
• 0:38
  that
• 0:38
  means
• 0:39
  danger.
• 0:40
  That
• 0:40
  low
• 0:41
  balance
• 0:41
  means
• 0:41
  late
• 0:42
  payments.
• 0:43
  And
• 0:44
  that
• 0:44
  low
• 0:44
  balance
• 0:44
  means
• 0:45
  you're
• 0:45
  falling
• 0:45
  behind.
• 0:47
  And
• 0:47
  the
• 0:48
  beautiful
• 0:48
  part
• 0:48
  of
• 0:48
  it,
• 0:48
  that
• 0:49
  lesson
• 0:49
  kept
• 0:49
  you
• 0:49
  alive
• 0:50
  financially.
• 0:51
  But
• 0:52
  now
• 0:52
  you're
• 0:52
  almost
• 0:52
  at
• 0:53
  the
• 0:53
  finish
• 0:53
  line,
• 0:53
  maybe
• 0:54
  just
• 0:54
  weeks
• 0:54
  away
• 0:54
  from
• 0:55
  being
• 0:55
  debt
• 0:55
  free.
• 0:57
  And
• 0:57
  instead
• 0:57
  of
• 0:58
  feeling
• 0:58
  proud,
• 0:59
  you're
• 0:59
  feeling
• 1:00
  scared.
• 1:01
  And
• 1:01
  you've
• 1:02
  done
• 1:02
  the
• 1:02
  hard
• 1:02
  work.
• 1:03
  You've
• 1:03
  got
• 1:03
  that
• 1:03
  automatic
• 1:04
  transfer
• 1:04
  set
• 1:05
  up.
• 1:05
  The
• 1:05
  money
• 1:06
  is
• 1:06
  moving
• 1:06
  into
• 1:06
  the
• 1:06
  right
• 1:07
  place.
• 1:07
  But
• 1:08
  every
• 1:08
  time
• 1:08
  you
• 1:09
  check
• 1:09
  your
• 1:09
  balance,
• 1:10
  you
• 1:11
  start
• 1:11
  to
• 1:11
  worry.
• 1:12
  Your
• 1:13
  brain
• 1:13
  still
• 1:13
  seals
• 1:14
  low
• 1:14
  and
• 1:14
  screams
• 1:15
  danger
• 1:16
  because
• 1:17
  it
• 1:17
  doesn't
• 1:17
  know
• 1:17
  the
• 1:18
  war
• 1:18
  is
• 1:18
  over.
• 1:19
  And
• 1:20
  today
• 1:20
  is
• 1:20
  not
• 1:20
  about
• 1:20
  a
• 1:21
  money
• 1:21
  problem.
• 1:22
  This
• 1:22
  is
• 1:22
  survival
• 1:23
  mode,
• 1:23
  lying
• 1:24
  to
• 1:24
  you.
• 1:25
  And
• 1:25
  today
• 1:25
  we're
• 1:26
  going
• 1:26
  to
• 1:26
  help
• 1:26
  you
• 1:26
  with
• 1:26
  the
• 1:27
  truth
• 1:27
  of
• 1:27
  the
• 1:27
  situation.
• 1:37
  Hello
• 1:38
  and
• 1:38
  welcome
• 1:38
  to
• 1:38
  Financially
• 1:39
  Confident
• 1:39
  Christian.
• 1:40
  I'm
• 1:41
  Ralph
• 1:41
  and
• 1:41
  I'm
• 1:41
  so
• 1:41
  glad
• 1:42
  you
• 1:42
  chose
• 1:42
  to
• 1:42
  join
• 1:42
  me
• 1:43
  today.
• 1:43
  We've
• 1:44
  got
• 1:44
  a
• 1:44
  great
• 1:44
  listener
• 1:45
  question
• 1:45
  today.
• 1:46
  Someone
• 1:46
  who
• 1:46
  spent
• 1:47
  over
• 1:47
  a
• 1:47
  decade
• 1:48
  digging
• 1:48
  out
• 1:48
  of
• 1:48
  debt
• 1:49
  and
• 1:49
  they're
• 1:49
  just
• 1:50
  weeks
• 1:50
  away
• 1:50
  from
• 1:50
  being
• 1:51
  completely
• 1:51
  debt
• 1:52
  free
• 1:52
  except
• 1:52
  for
• 1:52
  their
• 1:53
  home.
• 1:54
  They're
• 1:54
  doing
• 1:54
  everything
• 1:55
  right
• 1:56
  but
• 1:56
  that
• 1:56
  automatic
• 1:57
  savings
• 1:57
  that
• 1:58
  they
• 1:58
  know
• 1:58
  the
• 1:58
  next
• 1:58
  step
• 1:59
  is
• 1:59
  triggering
• 2:00
  some
• 2:00
  anxiety.
• 2:01
  They're
• 2:02
  watching
• 2:02
  their
• 2:02
  checking
• 2:03
  account
• 2:03
  balance
• 2:03
  drop
• 2:04
  and
• 2:04
  they're
• 2:04
  scared.
• 2:06
  They
• 2:06
  know
• 2:07
  the
• 2:07
  money's
• 2:07
  going
• 2:07
  for
• 2:08
  somewhere
• 2:08
  good,
• 2:08
  but
• 2:09
  they're
• 2:09
  worried
• 2:09
  about
• 2:10
  it.
• 2:11
  That
• 2:11
  tension
• 2:11
  they're
• 2:12
  feeling
• 2:12
  between
• 2:12
  knowing
• 2:14
  is
• 2:14
  we're
• 2:14
  talking
• 2:15
  them
• 2:15
  through
• 2:15
  today.
• 2:17
  So
• 2:17
  today
• 2:17
  it's
• 2:17
  what
• 2:17
  we're
• 2:17
  going
• 2:17
  to
• 2:18
  talk
• 2:18
  about.
• 2:18
  We're
• 2:18
  going
• 2:18
  to
• 2:18
  talk
• 2:18
  about
• 2:19
  where
• 2:19
  the
• 2:19
  anxiety
• 2:20
  comes
• 2:20
  from,
• 2:21
  how
• 2:21
  to
• 2:21
  build
• 2:21
  trust
• 2:22
  in
• 2:22
  a
• 2:22
  new
• 2:22
  system
• 2:22
  without
• 2:23
  white
• 2:23
  knuckling
• 2:24
  it
• 2:24
  every
• 2:24
  month.
• 2:25
  Let's
• 2:25
  get
• 2:25
  right
• 2:25
  to
• 2:26
  today's
• 2:26
  listener
• 2:26
  question.
• 2:28
  Hi
• 2:28
  Ralph,
• 2:29
  I've
• 2:29
  been
• 2:30
  on
• 2:30
  more
• 2:30
  than
• 2:30
  a
• 2:30
  decade
• 2:31
  long
• 2:31
  journey
• 2:31
  from
• 2:32
  feeling
• 2:32
  very
• 2:32
  financially
• 2:33
  insecure
• 2:34
  to
• 2:34
  to
• 2:34
  building
• 2:34
  a
• 2:35
  career
• 2:35
  and
• 2:35
  finally
• 2:36
  getting
• 2:36
  my
• 2:36
  head
• 2:36
  above
• 2:37
  water.
• 2:38
  I
• 2:38
  paid
• 2:39
  off
• 2:39
  my
• 2:39
  debt
• 2:40
  and
• 2:40
  at
• 2:40
  the
• 2:40
  end
• 2:40
  of
• 2:40
  the
• 2:40
  year
• 2:41
  I'll
• 2:41
  be
• 2:41
  completely
• 2:42
  debt
• 2:42
  free
• 2:42
  except
• 2:43
  for
• 2:43
  my
• 2:43
  mortgage.
• 2:45
  Now
• 2:45
  I
• 2:45
  want
• 2:45
  to
• 2:45
  stop
• 2:45
  paying
• 2:46
  everyone
• 2:46
  else
• 2:46
  and
• 2:46
  start
• 2:47
  paying
• 2:47
  myself.
• 2:48
  I
• 2:49
  want
• 2:49
  to
• 2:49
  set
• 2:49
  up
• 2:49
  some
• 2:49
  automatic
• 2:50
  transfers
• 2:50
  to
• 2:51
  savings
• 2:51
  and
• 2:51
  investments.
• 2:54
  But
• 2:54
  here's
• 2:54
  the
• 2:54
  problem.
• 2:55
  I'm
• 2:56
  so
• 2:56
  used
• 2:56
  to
• 2:57
  seeing
• 2:57
  a
• 2:57
  certain
• 2:57
  amount
• 2:57
  hit
• 2:58
  my
• 2:58
  checking
• 2:58
  account
• 2:59
  and
• 2:59
  I'm
• 2:59
  using
• 2:59
  it
• 3:00
  for
• 3:00
  bills
• 3:00
  and
• 3:00
  loans.
• 3:01
  The
• 3:01
  idea
• 3:01
  of
• 3:02
  leaving
• 3:02
  less
• 3:02
  sitting
• 3:03
  in
• 3:03
  my
• 3:03
  bank
• 3:03
  account
• 3:04
  is
• 3:04
  giving
• 3:04
  me
• 3:04
  a
• 3:04
  lot
• 3:05
  of
• 3:05
  anxiety.
• 3:07
  Even
• 3:07
  though
• 3:07
  I
• 3:07
  know
• 3:07
  the
• 3:08
  money's
• 3:08
  going
• 3:08
  somewhere
• 3:09
  good,
• 3:09
  it
• 3:09
  still
• 3:09
  feels
• 3:10
  like
• 3:10
  I'm
• 3:10
  losing
• 3:11
  something.
• 3:12
  Ralph,
• 3:12
  do
• 3:12
  you
• 3:13
  have
• 3:13
  any
• 3:13
  tips
• 3:13
  on
• 3:13
  getting
• 3:14
  comfortable
• 3:14
  with
• 3:14
  automatic
• 3:15
  savings
• 3:15
  without
• 3:16
  constantly
• 3:16
  freaking
• 3:17
  out
• 3:17
  that
• 3:18
  my
• 3:18
  checking
• 3:18
  account
• 3:19
  isn't
• 3:19
  as
• 3:19
  full
• 3:20
  as
• 3:20
  it
• 3:20
  used
• 3:20
  to
• 3:20
  be?
• 3:22
  What
• 3:22
  a
• 3:22
  great
• 3:22
  question.
• 3:24
  And
• 3:24
  I
• 3:24
  want
• 3:25
  to
• 3:25
  say
• 3:25
  something
• 3:25
  bold
• 3:25
  right
• 3:26
  Here
• 3:26
  from
• 3:26
  the
• 3:26
  start.
• 3:28
  That's
• 3:28
  not
• 3:28
  a
• 3:28
  money
• 3:28
  problem.
• 3:30
  It's
• 3:30
  a
• 3:30
  trust
• 3:31
  problem.
• 3:32
  Because
• 3:32
  the
• 3:32
  truth
• 3:33
  is,
• 3:33
  you
• 3:33
  spent
• 3:34
  years
• 3:34
  learning
• 3:34
  to
• 3:35
  fear
• 3:35
  a
• 3:35
  low
• 3:35
  balance,
• 3:37
  and
• 3:37
  now
• 3:38
  you've
• 3:38
  got
• 3:38
  to
• 3:38
  teach
• 3:38
  yourself
• 3:39
  something
• 3:39
  different.
• 3:41
  That
• 3:41
  low
• 3:41
  checking
• 3:42
  balance
• 3:42
  with
• 3:43
  a
• 3:43
  funded
• 3:43
  savings
• 3:44
  isn't
• 3:45
  the
• 3:45
  same
• 3:45
  of
• 3:45
  that
• 3:46
  fear
• 3:46
  that
• 3:46
  you
• 3:46
  lived
• 3:47
  in.
• 3:48
  But
• 3:48
  how
• 3:48
  do
• 3:48
  we
• 3:48
  make
• 3:49
  it
• 3:49
  practical?
• 3:49
  Because
• 3:50
  I
• 3:50
  hear
• 3:50
  what
• 3:50
  you're
• 3:50
  saying.
• 3:51
  You're
• 3:51
  like,
• 3:51
  ralph,
• 3:51
  I'm
• 3:51
  looking
• 3:51
  at
• 3:52
  this
• 3:52
  balance,
• 3:52
  and
• 3:53
  it
• 3:53
  makes
• 3:53
  me
• 3:53
  nervous.
• 3:55
  But
• 3:55
  let's
• 3:56
  talk
• 3:56
  about
• 3:56
  what's
• 3:56
  happening
• 3:56
  here.
• 3:57
  We
• 3:57
  got
• 3:57
  to
• 3:57
  start
• 3:57
  by
• 3:58
  name,
• 3:59
  naming
• 3:59
  what's
• 3:59
  happening
• 4:00
  and
• 4:00
  setting
• 4:00
  a
• 4:01
  floor.
• 4:01
  You're
• 4:01
  like,
• 4:01
  ralph,
• 4:01
  where
• 4:01
  are
• 4:02
  you
• 4:02
  going
• 4:02
  with
• 4:02
  this?
• 4:03
  The
• 4:03
  anxiety
• 4:04
  that
• 4:04
  you're
• 4:05
  feeling
• 4:05
  wasn't
• 4:06
  some
• 4:06
  random
• 4:07
  set
• 4:07
  of
• 4:07
  anxiety
• 4:08
  triggers.
• 4:10
  Your
• 4:10
  body,
• 4:11
  your
• 4:11
  mind
• 4:11
  was
• 4:12
  trained
• 4:12
  because
• 4:13
  you
• 4:13
  lived
• 4:13
  in
• 4:13
  survival
• 4:14
  for
• 4:14
  so
• 4:15
  long.
• 4:16
  And
• 4:16
  you
• 4:17
  remember
• 4:17
  those
• 4:17
  days.
• 4:19
  You
• 4:19
  remember
• 4:19
  those
• 4:19
  days
• 4:20
  when
• 4:20
  you
• 4:20
  checked
• 4:20
  that
• 4:21
  balance,
• 4:21
  and
• 4:21
  it
• 4:22
  meant
• 4:22
  big
• 4:22
  problems.
• 4:23
  It
• 4:23
  meant
• 4:23
  you
• 4:23
  were
• 4:24
  missing
• 4:24
  payments.
• 4:25
  It.
• 4:25
  It
• 4:25
  meant
• 4:25
  that
• 4:25
  you
• 4:25
  were
• 4:26
  overdrafting
• 4:26
  your
• 4:27
  account.
• 4:27
  And
• 4:27
  yes,
• 4:28
  it
• 4:28
  meant
• 4:28
  that
• 4:28
  you
• 4:28
  were
• 4:29
  falling
• 4:29
  behind.
• 4:31
  And
• 4:31
  that
• 4:31
  association
• 4:32
  with
• 4:33
  that
• 4:33
  low
• 4:33
  balance
• 4:34
  in
• 4:34
  your
• 4:34
  checking
• 4:34
  doesn't
• 4:35
  magically
• 4:35
  disappear
• 4:36
  just
• 4:37
  because
• 4:37
  the
• 4:37
  circumstances
• 4:38
  changed.
• 4:40
  You
• 4:40
  got
• 4:40
  to
• 4:41
  refire
• 4:41
  your
• 4:41
  system.
• 4:42
  Your
• 4:43
  nervous
• 4:43
  system
• 4:43
  is
• 4:44
  running
• 4:44
  in
• 4:44
  the
• 4:44
  old
• 4:44
  code.
• 4:45
  If
• 4:45
  we
• 4:45
  were
• 4:45
  coders,
• 4:46
  we
• 4:46
  would
• 4:46
  say
• 4:46
  it's
• 4:46
  running
• 4:47
  old
• 4:47
  code.
• 4:49
  That's
• 4:49
  a
• 4:49
  code
• 4:49
  that
• 4:50
  kept
• 4:50
  you
• 4:50
  safe,
• 4:51
  but
• 4:51
  now
• 4:52
  it's
• 4:52
  misfiring.
• 4:53
  And
• 4:53
  that
• 4:54
  fear
• 4:54
  that
• 4:54
  you're
• 4:54
  feeling,
• 4:55
  I'm
• 4:55
  not
• 4:55
  diminishing
• 4:56
  it.
• 4:56
  I'm
• 4:56
  not
• 4:56
  putting
• 4:57
  it
• 4:57
  aside.
• 4:57
  That's
• 4:58
  real.
• 4:59
  That
• 4:59
  is
• 4:59
  a
• 4:59
  real
• 5:00
  fear.
• 5:00
  But
• 5:00
  here's
• 5:01
  the
• 5:01
  best
• 5:01
  part
• 5:01
  of
• 5:01
  that.
• 5:02
  The
• 5:02
  threat
• 5:02
  is
• 5:02
  not
• 5:02
  real
• 5:03
  anymore.
• 5:04
  You're
• 5:05
  not
• 5:05
  broken.
• 5:05
  You're
• 5:06
  just
• 5:06
  running
• 5:06
  a
• 5:06
  script
• 5:07
  that
• 5:07
  hasn't
• 5:07
  been
• 5:07
  updated
• 5:08
  yet.
• 5:09
  So
• 5:09
  here's
• 5:09
  a
• 5:10
  quick
• 5:10
  fix
• 5:10
  before
• 5:10
  we
• 5:11
  even
• 5:11
  get
• 5:11
  deep
• 5:11
  into
• 5:11
  today's
• 5:12
  show.
• 5:12
  Give
• 5:12
  yourself
• 5:13
  a
• 5:13
  floor.
• 5:14
  Pick
• 5:15
  a
• 5:15
  number
• 5:15
  that
• 5:15
  feels
• 5:16
  like
• 5:16
  breathing
• 5:16
  room,
• 5:17
  and
• 5:17
  keep
• 5:17
  that
• 5:17
  in
• 5:17
  your
• 5:18
  checking.
• 5:18
  I'm
• 5:18
  not
• 5:19
  talking
• 5:19
  about
• 5:19
  zero.
• 5:20
  I'm
• 5:20
  not
• 5:20
  talking
• 5:20
  about
• 5:20
  whatever's
• 5:21
  left
• 5:21
  over.
• 5:22
  Whatever
• 5:22
  that
• 5:22
  number
• 5:22
  makes
• 5:23
  you,
• 5:23
  you
• 5:23
  feel
• 5:23
  Safe.
• 5:25
  Maybe
• 5:25
  it's
• 5:26
  $500,
• 5:26
  maybe
• 5:27
  it's
• 5:27
  $1,500.
• 5:29
  There's
• 5:29
  no
• 5:30
  wrong
• 5:30
  answer.
• 5:30
  I
• 5:31
  remember
• 5:31
  as
• 5:31
  a
• 5:31
  kid,
• 5:32
  I've
• 5:32
  shared
• 5:32
  this
• 5:32
  on
• 5:33
  this
• 5:33
  show
• 5:33
  many
• 5:33
  times,
• 5:34
  that
• 5:34
  I
• 5:34
  was
• 5:34
  kind
• 5:35
  of.
• 5:35
  My
• 5:35
  mom's
• 5:35
  like
• 5:36
  a
• 5:36
  person
• 5:36
  at
• 5:37
  home
• 5:37
  that
• 5:37
  helped
• 5:37
  her
• 5:37
  with
• 5:37
  everything
• 5:38
  financially.
• 5:39
  And
• 5:39
  I
• 5:39
  remember
• 5:40
  being
• 5:40
  about
• 5:40
  8,
• 5:41
  9,
• 5:41
  maybe
• 5:41
  10
• 5:41
  years
• 5:42
  old,
• 5:42
  and
• 5:43
  my
• 5:43
  mom
• 5:43
  sitting
• 5:43
  at
• 5:44
  the
• 5:44
  dining
• 5:44
  room
• 5:44
  table,
• 5:45
  and
• 5:45
  she
• 5:45
  had
• 5:45
  one
• 5:46
  of
• 5:46
  those
• 5:46
  old
• 5:46
  check
• 5:46
  registers,
• 5:47
  and
• 5:47
  she
• 5:48
  would
• 5:48
  make
• 5:48
  all
• 5:48
  her
• 5:48
  notes
• 5:49
  in
• 5:49
  it.
• 5:49
  And
• 5:49
  she
• 5:49
  called
• 5:50
  me
• 5:50
  over
• 5:50
  one
• 5:50
  day
• 5:50
  and
• 5:51
  she
• 5:51
  said,
• 5:51
  I
• 5:52
  got
• 5:52
  to
• 5:52
  show
• 5:52
  you
• 5:52
  Something
• 5:52
  she
• 5:53
  goes,
• 5:53
  I
• 5:53
  am
• 5:53
  so
• 5:54
  proud
• 5:54
  of
• 5:54
  where
• 5:54
  I
• 5:54
  am.
• 5:55
  She
• 5:55
  says,
• 5:55
  I
• 5:55
  have
• 5:55
  $2,000
• 5:56
  in
• 5:57
  my
• 5:57
  checking
• 5:57
  account.
• 5:58
  And
• 5:59
  I
• 5:59
  could
• 5:59
  just
• 5:59
  see
• 5:59
  the
• 6:00
  pride
• 6:00
  on
• 6:00
  her
• 6:00
  face.
• 6:01
  That
• 6:02
  was
• 6:02
  her
• 6:02
  security
• 6:03
  blanket.
• 6:05
  But
• 6:06
  what
• 6:06
  you're
• 6:06
  doing
• 6:06
  right
• 6:07
  now
• 6:07
  is
• 6:07
  okay,
• 6:09
  but
• 6:09
  set
• 6:10
  a
• 6:10
  floor
• 6:10
  that
• 6:10
  works
• 6:10
  for
• 6:11
  you
• 6:12
  and
• 6:12
  say,
• 6:12
  look,
• 6:12
  I'm
• 6:13
  not
• 6:13
  going
• 6:13
  to
• 6:13
  transfer
• 6:13
  any
• 6:14
  money
• 6:14
  to
• 6:14
  savings
• 6:15
  until
• 6:15
  that
• 6:15
  floor
• 6:15
  is
• 6:16
  covered.
• 6:16
  Like
• 6:16
  my
• 6:17
  Mom's
• 6:17
  floor
• 6:17
  was
• 6:17
  $2,000.
• 6:18
  She
• 6:19
  never
• 6:19
  wanted
• 6:19
  to
• 6:19
  go
• 6:19
  below
• 6:20
  that.
• 6:21
  After
• 6:22
  time,
• 6:22
  as
• 6:22
  time
• 6:23
  goes
• 6:23
  by,
• 6:23
  you're
• 6:23
  going
• 6:24
  to
• 6:24
  see
• 6:24
  that,
• 6:24
  okay,
• 6:24
  I'm
• 6:25
  cool
• 6:25
  with
• 6:25
  this.
• 6:26
  And
• 6:26
  maybe
• 6:26
  that
• 6:26
  floor
• 6:27
  comes
• 6:27
  down
• 6:27
  a
• 6:27
  little
• 6:28
  bit
• 6:29
  because
• 6:30
  giving
• 6:30
  yourself
• 6:30
  a
• 6:31
  floor
• 6:31
  isn't
• 6:31
  weakness.
• 6:32
  My
• 6:32
  mom
• 6:32
  wasn't
• 6:32
  weak
• 6:33
  because
• 6:33
  she
• 6:33
  had
• 6:34
  that
• 6:34
  floor
• 6:34
  in
• 6:34
  her
• 6:34
  mind.
• 6:36
  It
• 6:36
  was
• 6:36
  a
• 6:37
  way
• 6:37
  to
• 6:37
  make
• 6:37
  habits
• 6:38
  sustainable.
• 6:39
  And
• 6:39
  that's
• 6:39
  what
• 6:39
  I
• 6:39
  encourage
• 6:40
  you
• 6:40
  to
• 6:40
  do.
• 6:41
  But
• 6:41
  you've
• 6:41
  also
• 6:42
  got
• 6:42
  to
• 6:42
  do
• 6:42
  something
• 6:42
  else.
• 6:43
  You
• 6:43
  got
• 6:43
  to
• 6:43
  separate
• 6:44
  your
• 6:44
  accounts
• 6:45
  and
• 6:45
  watch
• 6:45
  the
• 6:45
  right
• 6:46
  number
• 6:47
  because
• 6:47
  right
• 6:47
  now
• 6:47
  you're
• 6:48
  hyper
• 6:48
  focused
• 6:49
  on
• 6:49
  that
• 6:49
  checking
• 6:50
  account
• 6:50
  balance.
• 6:51
  But
• 6:51
  opening
• 6:52
  a
• 6:52
  savings
• 6:53
  account
• 6:53
  is
• 6:53
  different
• 6:54
  than
• 6:54
  that.
• 6:54
  One
• 6:54
  of
• 6:54
  the
• 6:55
  things
• 6:55
  that
• 6:55
  I'm
• 6:55
  going
• 6:55
  to
• 6:55
  encourage
• 6:55
  you
• 6:56
  to
• 6:56
  do
• 6:56
  is
• 6:56
  open
• 6:57
  a
• 6:57
  savings
• 6:57
  account
• 6:57
  at
• 6:58
  a
• 6:58
  different
• 6:58
  bank
• 6:58
  altogether.
• 6:59
  You
• 7:00
  know
• 7:00
  what
• 7:00
  they
• 7:00
  say,
• 7:00
  out
• 7:00
  of
• 7:01
  sight,
• 7:01
  out
• 7:01
  of
• 7:01
  mind.
• 7:02
  That
• 7:02
  doesn't
• 7:02
  mean
• 7:02
  it's
• 7:03
  out
• 7:03
  of
• 7:03
  existence.
• 7:04
  But
• 7:04
  you
• 7:04
  don't
• 7:04
  see
• 7:05
  it
• 7:05
  and
• 7:05
  focus
• 7:05
  on
• 7:06
  it
• 7:06
  all
• 7:06
  the
• 7:06
  time.
• 7:08
  You
• 7:08
  got
• 7:08
  to
• 7:08
  change
• 7:09
  the
• 7:09
  outlook
• 7:10
  of
• 7:10
  your
• 7:10
  picture.
• 7:11
  You
• 7:12
  know,
• 7:12
  maybe
• 7:12
  a
• 7:12
  high
• 7:12
  yield
• 7:13
  savings
• 7:13
  account.
• 7:14
  It
• 7:14
  may
• 7:15
  give
• 7:15
  you
• 7:15
  a
• 7:15
  little
• 7:15
  delay
• 7:15
  in
• 7:16
  accessing
• 7:16
  the
• 7:16
  money,
• 7:17
  but
• 7:17
  it
• 7:17
  removes
• 7:17
  that
• 7:18
  temptation
• 7:18
  to
• 7:18
  check
• 7:19
  it
• 7:19
  daily.
• 7:20
  But
• 7:20
  then
• 7:20
  bigger
• 7:21
  than
• 7:21
  that,
• 7:21
  you've
• 7:21
  got
• 7:21
  to
• 7:21
  retrain
• 7:22
  what
• 7:22
  you're
• 7:22
  measuring.
• 7:23
  Your
• 7:23
  current
• 7:24
  instinct
• 7:24
  because
• 7:25
  it's
• 7:25
  been
• 7:25
  surviving
• 7:26
  for
• 7:26
  you
• 7:26
  has
• 7:27
  been
• 7:27
  to
• 7:27
  check
• 7:27
  that
• 7:27
  account
• 7:28
  every
• 7:28
  single
• 7:29
  day.
• 7:29
  I
• 7:29
  can
• 7:29
  just
• 7:29
  picture
• 7:30
  you,
• 7:30
  you're
• 7:31
  getting
• 7:31
  on
• 7:31
  your
• 7:31
  phone,
• 7:31
  you're
• 7:32
  checking
• 7:32
  that
• 7:32
  checking
• 7:32
  account.
• 7:33
  I'm
• 7:33
  good
• 7:33
  for
• 7:33
  today,
• 7:34
  I'm
• 7:34
  good
• 7:34
  for
• 7:34
  today.
• 7:35
  But
• 7:36
  you've
• 7:36
  got
• 7:36
  to
• 7:36
  start
• 7:36
  changing
• 7:37
  the
• 7:37
  dynamic
• 7:38
  here
• 7:38
  because
• 7:38
  it's
• 7:39
  not
• 7:39
  just
• 7:39
  the
• 7:39
  checking
• 7:40
  account
• 7:40
  balance.
• 7:40
  As
• 7:41
  you
• 7:41
  develop
• 7:41
  these
• 7:41
  financial
• 7:42
  skills,
• 7:42
  you
• 7:43
  got
• 7:43
  to
• 7:43
  start
• 7:43
  adding
• 7:44
  some
• 7:44
  things
• 7:44
  together.
• 7:45
  Think
• 7:45
  of
• 7:45
  it
• 7:45
  like
• 7:45
  a
• 7:45
  sandw.
• 7:47
  You've
• 7:47
  got
• 7:47
  to
• 7:47
  put
• 7:47
  all
• 7:47
  the
• 7:47
  components
• 7:48
  in.
• 7:48
  You've
• 7:49
  got
• 7:49
  your
• 7:49
  checking
• 7:49
  account,
• 7:50
  you've
• 7:50
  got
• 7:50
  your
• 7:51
  savings
• 7:51
  account
• 7:51
  and
• 7:52
  you've
• 7:52
  got
• 7:52
  your
• 7:53
  investments.
• 7:54
  One
• 7:54
  of
• 7:55
  those
• 7:55
  that
• 7:55
  checking
• 7:56
  account
• 7:56
  might
• 7:56
  number
• 7:56
  may
• 7:56
  be
• 7:57
  getting
• 7:57
  lower,
• 7:57
  but
• 7:57
  the
• 7:58
  overall
• 7:58
  number
• 7:58
  is
• 7:59
  getting
• 7:59
  bigger.
• 8:00
  That's
• 8:00
  what
• 8:00
  tells
• 8:01
  you
• 8:01
  actually
• 8:01
  how
• 8:01
  you're
• 8:02
  doing.
• 8:02
  It's
• 8:02
  not
• 8:03
  that,
• 8:03
  well,
• 8:03
  here's
• 8:03
  how
• 8:03
  much
• 8:04
  is
• 8:04
  in
• 8:04
  my
• 8:04
  checking,
• 8:05
  how
• 8:05
  much
• 8:05
  is
• 8:05
  in
• 8:06
  your
• 8:06
  savings,
• 8:06
  how
• 8:07
  much
• 8:07
  is
• 8:07
  in
• 8:07
  your
• 8:07
  investments,
• 8:08
  how
• 8:08
  much
• 8:08
  is
• 8:08
  in
• 8:09
  that
• 8:09
  high
• 8:09
  yield
• 8:10
  savings
• 8:10
  account.
• 8:11
  Or
• 8:11
  that
• 8:11
  high
• 8:11
  yield,
• 8:12
  whatever
• 8:13
  that
• 8:13
  is
• 8:13
  for
• 8:13
  you,
• 8:14
  maybe
• 8:14
  a
• 8:15
  simple
• 8:15
  spreadsheet,
• 8:16
  maybe
• 8:16
  some
• 8:16
  software.
• 8:17
  But
• 8:18
  when
• 8:18
  you
• 8:18
  start
• 8:18
  to
• 8:18
  measure
• 8:19
  things
• 8:19
  right,
• 8:19
  that
• 8:20
  anxiety
• 8:20
  is
• 8:21
  going
• 8:21
  to
• 8:21
  start
• 8:21
  to
• 8:21
  lose
• 8:21
  its
• 8:22
  grip.
• 8:23
  But
• 8:23
  I'm
• 8:23
  going
• 8:23
  to
• 8:24
  give
• 8:24
  you
• 8:24
  one
• 8:24
  more
• 8:24
  thing
• 8:24
  I'm
• 8:24
  going
• 8:24
  to
• 8:25
  encourage
• 8:25
  you
• 8:25
  to
• 8:25
  do,
• 8:26
  because
• 8:26
  right
• 8:26
  now
• 8:26
  it
• 8:27
  probably
• 8:27
  feels
• 8:27
  hard.
• 8:28
  The
• 8:28
  first
• 8:29
  month
• 8:29
  of
• 8:29
  this
• 8:29
  is
• 8:29
  the
• 8:30
  hardest.
• 8:30
  I
• 8:30
  get
• 8:31
  it.
• 8:31
  The
• 8:32
  second
• 8:32
  month,
• 8:32
  it's
• 8:33
  going
• 8:33
  to
• 8:33
  feel
• 8:33
  a
• 8:33
  little
• 8:33
  easier.
• 8:35
  And
• 8:35
  by
• 8:35
  the
• 8:35
  third
• 8:36
  month,
• 8:36
  I'm
• 8:36
  going
• 8:36
  to
• 8:36
  promise
• 8:36
  you
• 8:37
  something
• 8:37
  right
• 8:37
  now.
• 8:37
  You're
• 8:38
  not
• 8:38
  even
• 8:38
  going
• 8:38
  to
• 8:38
  think
• 8:38
  about
• 8:38
  it
• 8:39
  anymore.
• 8:40
  So
• 8:40
  say
• 8:40
  to
• 8:41
  yourself
• 8:41
  right
• 8:41
  now,
• 8:41
  I'm
• 8:42
  going
• 8:42
  to
• 8:42
  set
• 8:42
  it
• 8:42
  and
• 8:42
  forget
• 8:43
  it.
• 8:43
  I'm
• 8:43
  going
• 8:43
  to
• 8:43
  start
• 8:44
  with
• 8:44
  that
• 8:44
  floor.
• 8:45
  I'm
• 8:45
  going
• 8:45
  to
• 8:45
  start
• 8:45
  moving
• 8:46
  money
• 8:46
  to
• 8:46
  savings,
• 8:47
  and
• 8:47
  I'm
• 8:47
  not
• 8:47
  doing
• 8:47
  anything
• 8:48
  for
• 8:48
  90
• 8:49
  days.
• 8:50
  Because
• 8:50
  if
• 8:50
  you
• 8:51
  stop
• 8:51
  doing
• 8:51
  it
• 8:51
  every
• 8:52
  time
• 8:52
  you
• 8:52
  feel
• 8:52
  anxiety,
• 8:54
  every
• 8:54
  time
• 8:54
  you
• 8:54
  look
• 8:54
  at
• 8:55
  that
• 8:55
  check
• 8:55
  account
• 8:55
  balance
• 8:56
  and
• 8:56
  go,
• 8:56
  man,
• 8:56
  there's
• 8:56
  not
• 8:56
  as
• 8:57
  much
• 8:57
  as
• 8:57
  there
• 8:57
  used
• 8:57
  to
• 8:57
  be,
• 8:58
  you're
• 8:59
  never
• 8:59
  going
• 8:59
  to
• 8:59
  get
• 8:59
  to
• 9:00
  that
• 9:00
  third
• 9:00
  month.
• 9:00
  You're
• 9:01
  never
• 9:01
  going
• 9:01
  to
• 9:02
  prove
• 9:02
  it
• 9:02
  to
• 9:02
  yourself.
• 9:03
  I'm
• 9:03
  going
• 9:03
  to
• 9:03
  encourage
• 9:03
  you
• 9:04
  to
• 9:04
  do
• 9:04
  one
• 9:04
  more
• 9:04
  thing
• 9:04
  as
• 9:05
  well.
• 9:06
  Write
• 9:06
  down
• 9:06
  why
• 9:06
  you
• 9:07
  started
• 9:07
  this.
• 9:08
  One
• 9:08
  of
• 9:08
  the
• 9:09
  things
• 9:09
  that
• 9:09
  really
• 9:09
  encouraged
• 9:09
  me,
• 9:10
  you
• 9:10
  said,
• 9:10
  ralph,
• 9:10
  I'm
• 9:11
  going
• 9:11
  to
• 9:11
  be
• 9:11
  debt
• 9:11
  free
• 9:11
  here.
• 9:12
  It
• 9:13
  took
• 9:13
  you
• 9:13
  a
• 9:13
  decade
• 9:14
  to
• 9:14
  do
• 9:14
  that,
• 9:15
  but
• 9:16
  now
• 9:16
  you
• 9:16
  want
• 9:16
  to
• 9:16
  do
• 9:16
  something
• 9:17
  more.
• 9:17
  So
• 9:17
  write
• 9:17
  down
• 9:18
  what
• 9:18
  you
• 9:18
  want
• 9:18
  that
• 9:18
  money
• 9:19
  to
• 9:19
  do
• 9:19
  next.
• 9:20
  And
• 9:20
  when
• 9:21
  you
• 9:21
  start
• 9:21
  to
• 9:21
  fear
• 9:22
  that,
• 9:22
  when
• 9:22
  you
• 9:22
  start
• 9:23
  to
• 9:23
  feel
• 9:23
  that
• 9:23
  anxiety,
• 9:24
  start
• 9:24
  to
• 9:24
  feel
• 9:24
  that,
• 9:25
  that
• 9:25
  fear
• 9:25
  coming
• 9:26
  back
• 9:26
  up,
• 9:27
  go
• 9:27
  look
• 9:27
  at
• 9:27
  that.
• 9:29
  That
• 9:29
  anxiety
• 9:30
  that
• 9:30
  you're
• 9:30
  feeling
• 9:30
  isn't
• 9:31
  a
• 9:31
  signal
• 9:31
  to
• 9:31
  stop.
• 9:32
  It's
• 9:32
  actually
• 9:32
  a
• 9:33
  signal
• 9:33
  that
• 9:33
  you're
• 9:33
  doing
• 9:34
  something
• 9:34
  new
• 9:36
  and
• 9:36
  it's
• 9:36
  okay
• 9:36
  to
• 9:36
  do
• 9:36
  new
• 9:37
  things.
• 9:39
  I
• 9:39
  just
• 9:39
  want
• 9:39
  to
• 9:40
  focus
• 9:40
  on
• 9:40
  something
• 9:40
  new
• 9:42
  because
• 9:42
  I
• 9:42
  think
• 9:43
  people
• 9:43
  can
• 9:43
  miss
• 9:43
  this.
• 9:45
  You
• 9:45
  spent
• 9:46
  10
• 9:46
  years
• 9:46
  building.
• 9:48
  You
• 9:48
  spent
• 9:48
  10
• 9:49
  years
• 9:49
  disciplining
• 9:50
  yourself.
• 9:52
  And
• 9:52
  now
• 9:52
  I
• 9:52
  think
• 9:53
  you're
• 9:53
  kind
• 9:53
  of
• 9:53
  scared
• 9:53
  of
• 9:54
  success.
• 9:56
  Now,
• 9:56
  this
• 9:56
  is
• 9:57
  a
• 9:57
  show
• 9:57
  about
• 9:57
  faith
• 9:58
  and
• 9:58
  finance.
• 9:58
  Faith
• 9:59
  doesn't
• 9:59
  promise
• 9:59
  you
• 10:00
  won't
• 10:00
  feel
• 10:00
  afraid.
• 10:02
  I
• 10:02
  get
• 10:02
  the
• 10:02
  fear.
• 10:04
  It
• 10:04
  doesn't
• 10:04
  promise
• 10:05
  that
• 10:05
  doing
• 10:05
  the
• 10:05
  right
• 10:06
  thing
• 10:06
  will
• 10:06
  feel
• 10:06
  comfortable.
• 10:08
  And
• 10:09
  it
• 10:09
  doesn't
• 10:09
  ask
• 10:09
  that
• 10:10
  you
• 10:10
  trust
• 10:10
  a
• 10:10
  system
• 10:10
  you
• 10:11
  can't
• 10:11
  fully
• 10:11
  see.
• 10:12
  That's
• 10:12
  different
• 10:12
  than
• 10:13
  a
• 10:13
  faith
• 10:13
  posture.
• 10:15
  Let's
• 10:15
  look
• 10:15
  at
• 10:15
  Proverbs
• 10:16
  21:20.
• 10:16
  We're
• 10:16
  going
• 10:16
  to
• 10:17
  talk
• 10:17
  about
• 10:17
  this
• 10:17
  in
• 10:17
  a
• 10:17
  second.
• 10:17
  For
• 10:18
  our
• 10:18
  Bible
• 10:18
  verse
• 10:18
  today.
• 10:19
  It
• 10:19
  says,
• 10:19
  the
• 10:19
  wise
• 10:20
  store
• 10:20
  up,
• 10:20
  but
• 10:21
  a
• 10:21
  fool
• 10:21
  gulps
• 10:21
  it
• 10:22
  down.
• 10:23
  What
• 10:23
  you're
• 10:24
  doing
• 10:24
  right
• 10:24
  now
• 10:24
  is
• 10:25
  being
• 10:25
  very
• 10:25
  wise.
• 10:28
  And
• 10:28
  when
• 10:28
  you're
• 10:29
  doing
• 10:29
  wise
• 10:29
  things,
• 10:29
  it
• 10:29
  doesn't
• 10:30
  always
• 10:30
  feel
• 10:30
  good.
• 10:30
  In
• 10:31
  the
• 10:31
  moment
• 10:31
  that
• 10:31
  you're
• 10:31
  doing
• 10:31
  it.
• 10:33
  But
• 10:33
  here's
• 10:34
  what
• 10:34
  I
• 10:34
  know
• 10:34
  about
• 10:34
  God
• 10:35
  and
• 10:35
  money.
• 10:36
  He's
• 10:37
  not
• 10:37
  asking
• 10:37
  you
• 10:37
  to
• 10:37
  be
• 10:37
  reckless.
• 10:39
  He's
• 10:39
  asking
• 10:40
  you
• 10:40
  to
• 10:40
  take
• 10:40
  the
• 10:40
  next
• 10:41
  step
• 10:41
  even
• 10:41
  when
• 10:42
  it
• 10:42
  feels
• 10:42
  scary.
• 10:43
  You
• 10:43
  spent
• 10:43
  10
• 10:44
  years
• 10:44
  learning
• 10:44
  to
• 10:45
  survive.
• 10:46
  That's
• 10:47
  no
• 10:47
  small
• 10:47
  amount.
• 10:49
  But
• 10:49
  now
• 10:49
  you're
• 10:49
  in
• 10:50
  a
• 10:50
  new
• 10:50
  phase.
• 10:50
  You're
• 10:50
  learning
• 10:51
  to
• 10:51
  build
• 10:51
  something.
• 10:52
  And
• 10:52
  those
• 10:52
  are
• 10:52
  completely
• 10:53
  different
• 10:53
  skills.
• 10:54
  And
• 10:54
  it's
• 10:54
  going
• 10:54
  to
• 10:55
  take
• 10:55
  time
• 10:55
  to
• 10:55
  rewire
• 10:56
  yourself.
• 10:57
  So
• 10:58
  give
• 10:58
  yourself
• 10:58
  some
• 10:58
  grace
• 10:59
  during
• 10:59
  that
• 10:59
  time.
• 11:00
  As
• 11:01
  I
• 11:01
  said
• 11:01
  earlier,
• 11:01
  and
• 11:01
  it's
• 11:02
  worth
• 11:02
  repeating.
• 11:02
  The
• 11:03
  anxiety
• 11:03
  is
• 11:03
  not
• 11:04
  a
• 11:04
  warning
• 11:04
  sign.
• 11:05
  It's
• 11:05
  just
• 11:05
  a
• 11:06
  growing
• 11:06
  pain.
• 11:07
  But
• 11:07
  the
• 11:08
  best
• 11:08
  part
• 11:08
  about
• 11:08
  growing
• 11:09
  pains,
• 11:10
  it
• 11:10
  means
• 11:10
  that
• 11:10
  you're
• 11:10
  actually
• 11:11
  growing.
• 11:12
  Because
• 11:13
  you
• 11:13
  spent
• 11:13
  10
• 11:14
  years
• 11:14
  doing
• 11:14
  very
• 11:15
  hard
• 11:15
  things
• 11:15
  with
• 11:15
  your
• 11:16
  money.
• 11:17
  The
• 11:17
  next
• 11:17
  steps
• 11:18
  going
• 11:18
  to
• 11:18
  be
• 11:18
  hard
• 11:18
  as
• 11:18
  well.
• 11:20
  But
• 11:20
  friend,
• 11:20
  you
• 11:20
  already
• 11:21
  know
• 11:21
  how
• 11:21
  to
• 11:21
  do
• 11:21
  hard
• 11:21
  things.
• 11:22
  So
• 11:22
  it's
• 11:22
  going
• 11:22
  to
• 11:22
  be
• 11:22
  easy
• 11:23
  for
• 11:23
  you.
• 11:24
  So
• 11:24
  here's
• 11:24
  your
• 11:24
  win
• 11:24
  for
• 11:25
  today.
• 11:25
  I
• 11:25
  want
• 11:25
  you
• 11:25
  to
• 11:26
  go
• 11:26
  ahead
• 11:26
  and
• 11:26
  figure
• 11:26
  out
• 11:26
  that
• 11:27
  floor
• 11:27
  for
• 11:27
  you.
• 11:27
  Like
• 11:27
  we'll
• 11:28
  call
• 11:28
  it
• 11:28
  Ralph's
• 11:28
  mom's
• 11:29
  floor.
• 11:29
  What's
• 11:30
  that
• 11:30
  Minimum
• 11:30
  checking
• 11:31
  account
• 11:31
  floor
• 11:32
  that
• 11:32
  right
• 11:32
  now
• 11:32
  you
• 11:33
  got
• 11:33
  to
• 11:33
  do
• 11:33
  before
• 11:33
  anything
• 11:34
  else
• 11:34
  and
• 11:34
  go
• 11:35
  work
• 11:35
  towards
• 11:35
  that.
• 11:36
  What's
• 11:36
  that
• 11:36
  balance
• 11:37
  that
• 11:37
  makes
• 11:37
  it
• 11:38
  so
• 11:38
  you
• 11:38
  don't
• 11:38
  feel
• 11:39
  anxiety,
• 11:39
  you
• 11:39
  can
• 11:40
  breathe.
• 11:40
  Like
• 11:40
  I
• 11:41
  said,
• 11:41
  maybe
• 11:41
  it's
• 11:41
  500,
• 11:42
  $1,000.
• 11:43
  There's
• 11:43
  no
• 11:43
  wrong
• 11:44
  answer
• 11:44
  to
• 11:44
  that.
• 11:44
  Don't
• 11:45
  judge
• 11:45
  yourself.
• 11:45
  To
• 11:45
  say
• 11:45
  this
• 11:46
  is
• 11:46
  what
• 11:46
  makes
• 11:46
  this
• 11:47
  work.
• 11:48
  That
• 11:48
  number
• 11:48
  becomes
• 11:49
  the
• 11:49
  rule.
• 11:50
  And
• 11:50
  then
• 11:50
  once
• 11:50
  you've
• 11:50
  got
• 11:51
  amount
• 11:51
  in
• 11:51
  there,
• 11:51
  then
• 11:52
  the
• 11:52
  savings
• 11:52
  happen
• 11:52
  after
• 11:53
  the
• 11:53
  floor
• 11:53
  is
• 11:53
  covered.
• 11:54
  It's
• 11:55
  not
• 11:55
  about
• 11:55
  slowing
• 11:56
  down.
• 11:56
  It's
• 11:56
  about
• 11:56
  building
• 11:57
  a
• 11:57
  system
• 11:57
  you'll
• 11:58
  actually
• 11:58
  stick
• 11:58
  with.
• 11:59
  Which
• 12:00
  leads
• 12:00
  us
• 12:00
  to
• 12:00
  the
• 12:00
  Bible
• 12:00
  verse
• 12:01
  we
• 12:01
  mentioned
• 12:01
  a
• 12:01
  few
• 12:01
  minutes
• 12:02
  ago.
• 12:02
  From
• 12:02
  Proverbs
• 12:03
  21:20.
• 12:04
  The
• 12:05
  wise
• 12:05
  store
• 12:05
  up
• 12:05
  choice
• 12:06
  food
• 12:06
  and
• 12:06
  olive
• 12:07
  oil.
• 12:07
  But
• 12:08
  a
• 12:08
  full
• 12:08
  goal
• 12:08
  sits
• 12:09
  down.
• 12:10
  As
• 12:10
  I
• 12:10
  said
• 12:11
  a
• 12:11
  few
• 12:11
  times,
• 12:12
  saving
• 12:12
  is
• 12:13
  a
• 12:13
  form
• 12:13
  of
• 12:13
  wisdom
• 12:14
  in
• 12:14
  scripture.
• 12:14
  It's
• 12:15
  not
• 12:15
  just
• 12:15
  a
• 12:15
  financial
• 12:16
  strategy.
• 12:16
  A
• 12:16
  lot
• 12:16
  of
• 12:16
  people
• 12:17
  don't
• 12:17
  get
• 12:17
  that.
• 12:17
  Savings
• 12:18
  is
• 12:18
  very
• 12:19
  scripturally
• 12:20
  based.
• 12:20
  This
• 12:20
  is
• 12:20
  what
• 12:21
  the
• 12:21
  the
• 12:21
  verse
• 12:21
  is
• 12:21
  telling
• 12:22
  us
• 12:22
  today.
• 12:23
  Setting
• 12:24
  money
• 12:24
  aside
• 12:26
  even
• 12:26
  when
• 12:26
  things
• 12:27
  feel
• 12:27
  scary
• 12:28
  is
• 12:28
  a
• 12:29
  deliberate
• 12:29
  faithful
• 12:30
  choice.
• 12:31
  And
• 12:32
  what
• 12:32
  makes
• 12:32
  it
• 12:32
  hard
• 12:32
  isn't
• 12:33
  laziness,
• 12:33
  it's
• 12:34
  rewiring
• 12:34
  years
• 12:35
  of
• 12:35
  survival.
• 12:35
  You've
• 12:36
  got
• 12:36
  years
• 12:36
  of
• 12:37
  survival
• 12:37
  that
• 12:38
  you've
• 12:38
  got
• 12:38
  to
• 12:38
  break
• 12:38
  free.
• 12:40
  That's
• 12:40
  real
• 12:40
  work.
• 12:41
  But
• 12:42
  friend,
• 12:42
  God
• 12:42
  honors
• 12:43
  the
• 12:43
  work
• 12:43
  you're
• 12:43
  doing.
• 12:44
  How
• 12:44
  about
• 12:45
  we
• 12:45
  pray
• 12:45
  together?
• 12:46
  Heavenly
• 12:47
  Father,
• 12:47
  I
• 12:47
  just
• 12:47
  want
• 12:47
  to
• 12:48
  thank
• 12:48
  you
• 12:48
  for
• 12:48
  this
• 12:48
  listener.
• 12:49
  This
• 12:49
  listener
• 12:50
  really
• 12:50
  encouraged
• 12:51
  me
• 12:51
  today.
• 12:52
  Encouraged
• 12:53
  me
• 12:53
  because
• 12:53
  of
• 12:53
  decades
• 12:54
  of
• 12:54
  discipline,
• 12:55
  making
• 12:55
  those
• 12:56
  hard
• 12:56
  choices
• 12:57
  paying
• 12:57
  down
• 12:58
  that
• 12:58
  debt
• 12:58
  and
• 12:58
  they're
• 12:59
  nearly
• 12:59
  at
• 12:59
  the
• 13:00
  finish
• 13:00
  line.
• 13:01
  Lord,
• 13:02
  we
• 13:02
  know
• 13:02
  that
• 13:02
  took
• 13:03
  real
• 13:03
  faith
• 13:03
  and
• 13:03
  real
• 13:04
  grit.
• 13:04
  So
• 13:04
  we
• 13:04
  thank
• 13:04
  you
• 13:05
  for
• 13:05
  that.
• 13:06
  And
• 13:06
  now
• 13:06
  they're
• 13:07
  at
• 13:07
  a
• 13:07
  new
• 13:07
  threshold
• 13:08
  and
• 13:09
  it's
• 13:09
  scary
• 13:09
  in
• 13:10
  different
• 13:10
  ways.
• 13:11
  So
• 13:11
  Lord,
• 13:11
  I
• 13:11
  just
• 13:12
  ask
• 13:12
  that
• 13:12
  you
• 13:12
  would
• 13:12
  bring
• 13:12
  peace
• 13:13
  that
• 13:13
  are
• 13:13
  anxiety
• 13:14
  that
• 13:14
  they
• 13:14
  feel
• 13:14
  when
• 13:14
  their
• 13:15
  bank
• 13:15
  account
• 13:15
  balance
• 13:16
  drops.
• 13:17
  Help
• 13:17
  them
• 13:17
  to
• 13:17
  really
• 13:18
  take
• 13:18
  a
• 13:18
  step
• 13:18
  back
• 13:18
  and
• 13:19
  see
• 13:19
  the
• 13:19
  whole
• 13:19
  picture,
• 13:20
  not
• 13:20
  just
• 13:20
  the
• 13:21
  number
• 13:21
  on
• 13:21
  their
• 13:21
  screen.
• 13:23
  And
• 13:23
  Lord,
• 13:23
  give
• 13:24
  them
• 13:24
  patience
• 13:25
  to
• 13:25
  let
• 13:25
  that
• 13:25
  new
• 13:25
  system
• 13:26
  prove
• 13:26
  itself
• 13:27
  over
• 13:27
  time.
• 13:27
  Remind
• 13:28
  them
• 13:28
  that
• 13:28
  wisdom
• 13:29
  and
• 13:29
  fear
• 13:29
  can
• 13:30
  coexist
• 13:31
  and
• 13:32
  that
• 13:32
  moving
• 13:32
  forward
• 13:33
  is
• 13:33
  what
• 13:33
  faith
• 13:34
  looks
• 13:34
  like
• 13:34
  from
• 13:34
  the
• 13:34
  inside.
• 13:36
  I
• 13:36
  ask
• 13:37
  that
• 13:37
  you
• 13:37
  would
• 13:37
  guard
• 13:37
  their
• 13:38
  progress,
• 13:38
  protect
• 13:39
  what
• 13:39
  they
• 13:39
  built
• 13:39
  and
• 13:40
  help
• 13:40
  them
• 13:40
  trust
• 13:40
  that
• 13:41
  they're
• 13:41
  doing
• 13:41
  that.
• 13:42
  What
• 13:42
  they're
• 13:42
  doing
• 13:42
  now
• 13:43
  is
• 13:43
  the
• 13:43
  next
• 13:43
  right
• 13:44
  step.
• 13:45
  And
• 13:45
  we
• 13:45
  ask
• 13:46
  this
• 13:46
  in
• 13:46
  Jesus
• 13:46
  name.
• 13:48
  Amen,
• 13:49
  friend.
• 13:50
  You've
• 13:50
  already
• 13:50
  done
• 13:50
  the
• 13:50
  hardest
• 13:51
  part.
• 13:51
  You
• 13:52
  really
• 13:52
  have.
• 13:52
  Now
• 13:53
  you're
• 13:53
  learning
• 13:53
  to
• 13:53
  trust
• 13:54
  a
• 13:54
  system
• 13:54
  that's
• 13:54
  actually
• 13:55
  working
• 13:55
  for
• 13:55
  you.
• 13:57
  That
• 13:57
  anxiety
• 13:58
  comes
• 13:58
  from
• 13:58
  years
• 13:58
  of
• 13:59
  survival
• 13:59
  mode
• 13:59
  and
• 14:00
  it's
• 14:00
  not
• 14:00
  a
• 14:00
  sign
• 14:00
  you're
• 14:00
  doing
• 14:01
  something
• 14:01
  wrong.
• 14:02
  So
• 14:02
  separate
• 14:02
  that
• 14:03
  savings,
• 14:03
  set
• 14:04
  that
• 14:04
  minimum
• 14:04
  checking
• 14:05
  floor
• 14:05
  and
• 14:06
  then
• 14:06
  start
• 14:06
  looking
• 14:06
  at
• 14:06
  the
• 14:06
  total
• 14:07
  picture.
• 14:08
  But
• 14:08
  give
• 14:09
  that
• 14:09
  system
• 14:09
  90
• 14:09
  days
• 14:10
  before
• 14:10
  you
• 14:10
  judge
• 14:10
  whether
• 14:11
  it's
• 14:11
  working
• 14:11
  or
• 14:11
  not.
• 14:11
  And
• 14:11
  I'm
• 14:12
  going
• 14:12
  to
• 14:12
  encourage
• 14:12
  you
• 14:12
  it's
• 14:13
  going
• 14:13
  to
• 14:13
  work.
• 14:14
  Now
• 14:14
  maybe
• 14:14
  you've
• 14:15
  got
• 14:15
  a
• 14:15
  question
• 14:15
  that
• 14:15
  you'd
• 14:16
  like
• 14:16
  me
• 14:16
  to
• 14:16
  work
• 14:16
  through
• 14:16
  with
• 14:17
  you.
• 14:17
  I'd
• 14:17
  love
• 14:17
  to
• 14:18
  hear
• 14:18
  your
• 14:18
  voice.
• 14:19
  You
• 14:19
  can
• 14:19
  send
• 14:19
  me
• 14:19
  a
• 14:19
  voicemail
• 14:20
  by
• 14:20
  going
• 14:20
  to
• 14:21
  financiallyconfidentchristian.com/voicemail
• 14:24
  we'll
• 14:24
  put
• 14:24
  a
• 14:25
  link
• 14:25
  in
• 14:25
  the
• 14:25
  show
• 14:25
  notes
• 14:25
  but
• 14:26
  again
• 14:26
  it's
• 14:26
  financiallyconfidentchristian.com/voicemail
• 14:30
  thank
• 14:31
  you
• 14:31
  so
• 14:31
  much
• 14:31
  for
• 14:31
  your
• 14:32
  question
• 14:32
  today.
• 14:32
  Thank
• 14:33
  you
• 14:33
  so
• 14:33
  much
• 14:33
  for
• 14:33
  joining
• 14:33
  me
• 14:34
  as
• 14:34
  well.
• 14:34
  I
• 14:35
  want
• 14:35
  to
• 14:35
  encourage
• 14:35
  you
• 14:35
  to
• 14:35
  stay
• 14:36
  financially
• 14:36
  savvy.
• 14:37
  Keep
• 14:37
  up
• 14:37
  the
• 14:38
  hard
• 14:38
  work.
• 14:38
  May
• 14:39
  God
• 14:39
  bless
• 14:39
  you
• 14:40
  and
• 14:40
  you
• 14:40
  have
• 14:40
  a
• 14:40
  great
• 14:40
  day
• 14:41
  today.