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How Do You Stay Motivated Paying Off Debt? · Becoming Financially Confident

• 0:37
  I
• 0:37
  want
• 0:37
  you
• 0:38
  to
• 0:38
  picture
• 0:38
  something
• 0:38
  of
• 0:38
  me
• 0:39
  today.
• 0:40
  Just
• 0:40
  think
• 0:40
  about
• 0:40
  walking
• 0:42
  you
• 0:42
  just
• 0:42
  on
• 0:42
  a
• 0:42
  cold
• 0:43
  country
• 0:43
  road,
• 0:43
  just
• 0:44
  open
• 0:44
  sky
• 0:44
  above
• 0:45
  you,
• 0:45
  this
• 0:45
  cool
• 0:46
  air
• 0:46
  all
• 0:46
  around
• 0:46
  you.
• 0:47
  You're
• 0:47
  just
• 0:48
  taking
• 0:48
  it
• 0:48
  all
• 0:48
  in.
• 0:49
  No
• 0:49
  rush,
• 0:50
  just
• 0:50
  moving
• 0:51
  step
• 0:51
  by
• 0:51
  step.
• 0:52
  Certainly
• 0:53
  not
• 0:53
  sprinting.
• 0:53
  No
• 0:54
  fireworks
• 0:55
  going
• 0:55
  on
• 0:55
  around
• 0:55
  you.
• 0:56
  Just
• 0:57
  steady
• 0:57
  forward
• 0:58
  movement.
• 1:00
  See,
• 1:00
  debt
• 1:01
  freedom
• 1:01
  isn't
• 1:02
  explosive.
• 1:03
  It's
• 1:04
  rhythmic.
• 1:05
  Are
• 1:06
  you
• 1:06
  trying
• 1:06
  diligently
• 1:07
  right
• 1:07
  now
• 1:07
  to
• 1:07
  pay
• 1:08
  off
• 1:08
  some
• 1:08
  debt?
• 1:10
  Truth
• 1:10
  is,
• 1:10
  for
• 1:11
  so
• 1:11
  many
• 1:11
  of
• 1:11
  us,
• 1:12
  debt
• 1:12
  is
• 1:13
  exhausting
• 1:14
  because
• 1:15
  it's
• 1:15
  not
• 1:15
  just
• 1:15
  math.
• 1:17
  When
• 1:17
  we
• 1:17
  really
• 1:18
  get
• 1:18
  under
• 1:18
  the
• 1:18
  covers,
• 1:19
  we
• 1:19
  realize
• 1:20
  it's
• 1:20
  months
• 1:20
  of
• 1:21
  saying
• 1:21
  no.
• 1:23
  It's
• 1:23
  watching
• 1:24
  friends
• 1:24
  move
• 1:24
  forward
• 1:25
  while
• 1:25
  you
• 1:25
  feel
• 1:26
  stuck.
• 1:28
  It's
• 1:28
  paying
• 1:29
  and
• 1:29
  paying
• 1:29
  and
• 1:30
  still
• 1:30
  seeing
• 1:30
  that
• 1:31
  balance
• 1:31
  stare
• 1:32
  back
• 1:32
  at
• 1:32
  you
• 1:32
  every
• 1:33
  single
• 1:33
  month.
• 1:35
  And
• 1:36
  some
• 1:36
  days,
• 1:37
  the
• 1:38
  hardest
• 1:38
  part
• 1:38
  isn't
• 1:39
  the
• 1:39
  payment.
• 1:41
  It's
• 1:41
  the
• 1:41
  weariness
• 1:44
  if
• 1:44
  you're
• 1:45
  right
• 1:45
  now
• 1:45
  doing
• 1:45
  the
• 1:46
  right
• 1:46
  things.
• 1:47
  But
• 1:47
  you're
• 1:48
  so
• 1:48
  tired
• 1:48
  in
• 1:49
  your
• 1:49
  soul.
• 1:51
  Today's
• 1:51
  show
• 1:51
  is
• 1:51
  for
• 1:52
  you.
• 2:14
  Hey,
• 2:14
  friend.
• 2:14
  Ralph
• 2:15
  Estep
• 2:15
  Jr.
• 2:16
  Here.
• 2:16
  This
• 2:17
  is
• 2:17
  Financially
• 2:18
  Confident
• 2:18
  Christian,
• 2:19
  where
• 2:20
  we
• 2:20
  work
• 2:20
  to
• 2:20
  break
• 2:20
  that
• 2:21
  cycle
• 2:21
  of
• 2:21
  financial
• 2:22
  shame
• 2:22
  and
• 2:22
  do
• 2:22
  it
• 2:23
  with
• 2:23
  confidence.
• 2:25
  And
• 2:25
  today's
• 2:25
  topic
• 2:26
  is
• 2:26
  all
• 2:27
  about
• 2:27
  how
• 2:28
  we're
• 2:28
  trying
• 2:28
  to
• 2:28
  stay
• 2:29
  motivated
• 2:30
  when
• 2:30
  debt
• 2:30
  payoff
• 2:31
  feels
• 2:31
  slow.
• 2:33
  So
• 2:33
  let's
• 2:33
  get
• 2:33
  right
• 2:33
  into
• 2:34
  today's
• 2:34
  listener
• 2:34
  question.
• 2:36
  Ralph
• 2:37
  I'm
• 2:38
  tired.
• 2:39
  This
• 2:39
  debt
• 2:40
  has
• 2:40
  been
• 2:40
  weighing
• 2:40
  on
• 2:40
  me
• 2:41
  for
• 2:41
  so
• 2:41
  long,
• 2:42
  and
• 2:43
  even
• 2:43
  though
• 2:43
  I
• 2:43
  see
• 2:44
  I'm
• 2:44
  chipping
• 2:44
  away
• 2:44
  at
• 2:45
  it,
• 2:45
  the
• 2:46
  progress
• 2:46
  is
• 2:46
  slow
• 2:48
  and
• 2:48
  it's
• 2:48
  hard
• 2:48
  to
• 2:49
  stay
• 2:49
  motivated.
• 2:50
  No,
• 2:51
  I
• 2:51
  don't
• 2:51
  want
• 2:51
  to
• 2:51
  give
• 2:51
  up,
• 2:53
  but
• 2:53
  I
• 2:53
  need
• 2:53
  a
• 2:53
  plan
• 2:54
  that'll
• 2:54
  keep
• 2:54
  me
• 2:54
  encouraged
• 2:55
  when
• 2:55
  it
• 2:56
  feels
• 2:56
  like
• 2:56
  I'm
• 2:56
  barely
• 2:57
  moving
• 2:57
  forward.
• 2:59
  Ralph
• 2:59
  what
• 2:59
  actually
• 3:00
  works
• 3:00
  when
• 3:00
  you're
• 3:00
  in
• 3:01
  it
• 3:01
  for
• 3:01
  the
• 3:01
  long
• 3:01
  haul?
• 3:05
  First
• 3:05
  thing
• 3:05
  I
• 3:05
  want
• 3:06
  to
• 3:06
  say,
• 3:06
  thank
• 3:06
  you
• 3:07
  so
• 3:07
  much
• 3:07
  for
• 3:07
  sharing
• 3:07
  that
• 3:08
  question,
• 3:08
  and
• 3:09
  I
• 3:09
  love
• 3:09
  your
• 3:09
  motivation.
• 3:10
  You're
• 3:11
  motivated,
• 3:11
  in
• 3:11
  it
• 3:12
  for
• 3:12
  the
• 3:12
  long
• 3:12
  haul,
• 3:12
  which
• 3:13
  is
• 3:13
  the
• 3:13
  best
• 3:13
  place
• 3:13
  to
• 3:14
  be.
• 3:15
  But
• 3:15
  here's
• 3:16
  the
• 3:16
  problem.
• 3:17
  You
• 3:17
  don't
• 3:18
  stay
• 3:18
  motivated
• 3:18
  by
• 3:19
  willpower.
• 3:20
  I
• 3:21
  wish
• 3:21
  I
• 3:21
  could
• 3:21
  say,
• 3:21
  hey,
• 3:22
  just
• 3:22
  push
• 3:22
  through
• 3:22
  it.
• 3:22
  Willpower
• 3:23
  will
• 3:23
  do
• 3:23
  it.
• 3:23
  But
• 3:24
  it
• 3:24
  doesn't
• 3:24
  work,
• 3:24
  does
• 3:24
  it?
• 3:26
  But
• 3:26
  you
• 3:26
  do
• 3:26
  stay
• 3:26
  motivated
• 3:27
  by
• 3:27
  those
• 3:27
  small
• 3:28
  wins
• 3:29
  and
• 3:29
  a
• 3:29
  steady
• 3:30
  rhythm.
• 3:31
  But
• 3:32
  the
• 3:32
  question
• 3:32
  still
• 3:32
  remains.
• 3:34
  How
• 3:34
  do
• 3:35
  we
• 3:35
  get
• 3:35
  there?
• 3:36
  Here's
• 3:37
  how
• 3:37
  we
• 3:37
  get
• 3:37
  there.
• 3:38
  First
• 3:38
  thing
• 3:39
  you've
• 3:39
  got
• 3:39
  to
• 3:39
  do,
• 3:40
  you've
• 3:40
  got
• 3:40
  to
• 3:41
  make
• 3:41
  the
• 3:41
  progress
• 3:42
  visible.
• 3:43
  You
• 3:43
  got
• 3:44
  to
• 3:44
  see
• 3:44
  it.
• 3:45
  See,
• 3:45
  debt
• 3:46
  payoff
• 3:46
  feels
• 3:46
  slow
• 3:47
  when
• 3:47
  you
• 3:47
  only
• 3:48
  look
• 3:48
  at
• 3:48
  the
• 3:48
  remaining
• 3:49
  balance.
• 3:50
  When
• 3:50
  you
• 3:51
  get
• 3:51
  those
• 3:51
  monthly
• 3:51
  statements
• 3:52
  and
• 3:52
  you
• 3:52
  just
• 3:52
  feel,
• 3:53
  oh,
• 3:53
  man,
• 3:53
  this
• 3:53
  isn't
• 3:54
  moving
• 3:54
  anywhere.
• 3:55
  You
• 3:56
  just
• 3:56
  see
• 3:56
  that
• 3:56
  remaining
• 3:57
  debt,
• 3:57
  it's
• 3:57
  kind
• 3:57
  of
• 3:57
  like
• 3:58
  looking
• 3:58
  in
• 3:58
  a
• 3:58
  mountain
• 3:59
  in
• 3:59
  front
• 3:59
  of
• 3:59
  you
• 4:00
  every
• 4:01
  month,
• 4:01
  you're
• 4:01
  seeing
• 4:01
  that
• 4:01
  same
• 4:02
  mountain.
• 4:03
  So
• 4:03
  here's
• 4:04
  one
• 4:04
  of
• 4:04
  the
• 4:04
  things
• 4:04
  I
• 4:04
  encourage
• 4:05
  you
• 4:05
  to
• 4:05
  do.
• 4:06
  Track
• 4:06
  what
• 4:06
  you've
• 4:07
  already
• 4:07
  destroyed.
• 4:08
  Yes,
• 4:09
  I'm
• 4:09
  using
• 4:09
  the
• 4:10
  word
• 4:10
  intentionally
• 4:11
  destroyed
• 4:13
  because
• 4:13
  I
• 4:13
  want
• 4:13
  you
• 4:13
  to
• 4:14
  change
• 4:14
  your
• 4:14
  mindset
• 4:15
  here.
• 4:15
  Here's
• 4:15
  something
• 4:16
  I
• 4:16
  want
• 4:16
  you
• 4:16
  to
• 4:16
  write
• 4:16
  down
• 4:16
  and
• 4:17
  keep
• 4:17
  track
• 4:17
  of
• 4:17
  this
• 4:18
  every
• 4:18
  week,
• 4:18
  every
• 4:19
  month,
• 4:19
  whatever
• 4:19
  works
• 4:19
  for
• 4:20
  you.
• 4:20
  Write
• 4:20
  down
• 4:20
  the
• 4:21
  total
• 4:21
  debt
• 4:21
  paid
• 4:22
  off
• 4:22
  so
• 4:22
  far,
• 4:24
  because
• 4:24
  then
• 4:25
  it's
• 4:25
  going
• 4:25
  to
• 4:25
  motivate
• 4:26
  you.
• 4:26
  Because
• 4:26
  then
• 4:26
  it's
• 4:26
  not
• 4:26
  about
• 4:27
  willpower
• 4:27
  anymore.
• 4:28
  It's
• 4:28
  about,
• 4:28
  wow,
• 4:28
  look
• 4:29
  what
• 4:29
  I've
• 4:29
  accomplished.
• 4:29
  Yes,
• 4:30
  maybe
• 4:30
  you've
• 4:31
  got
• 4:31
  a
• 4:31
  whole
• 4:32
  stack
• 4:32
  of
• 4:32
  more
• 4:32
  to
• 4:33
  go,
• 4:34
  but
• 4:34
  don't
• 4:35
  forget
• 4:35
  about
• 4:35
  where
• 4:35
  you
• 4:35
  came
• 4:36
  from.
• 4:37
  Put
• 4:37
  it
• 4:37
  where
• 4:38
  you
• 4:38
  can
• 4:38
  see
• 4:38
  it
• 4:38
  all
• 4:39
  the
• 4:39
  time.
• 4:39
  Because
• 4:40
  in
• 4:40
  so
• 4:40
  many
• 4:40
  of
• 4:40
  our
• 4:41
  lives,
• 4:41
  our
• 4:41
  brain
• 4:42
  needs
• 4:42
  evidence
• 4:43
  that
• 4:43
  the
• 4:43
  work
• 4:43
  is
• 4:44
  working.
• 4:46
  Here's
• 4:46
  another
• 4:46
  thing
• 4:47
  I
• 4:47
  want
• 4:47
  to
• 4:47
  encourage
• 4:47
  you
• 4:47
  to
• 4:48
  do.
• 4:48
  And
• 4:48
  I've
• 4:48
  seen
• 4:48
  people
• 4:49
  struggle
• 4:49
  with
• 4:49
  this.
• 4:49
  This
• 4:49
  is
• 4:50
  one
• 4:50
  of
• 4:50
  the
• 4:50
  biggest
• 4:50
  obstacles
• 4:51
  I
• 4:51
  see
• 4:52
  in
• 4:52
  my
• 4:52
  practice
• 4:52
  all
• 4:53
  the
• 4:53
  time.
• 4:54
  You
• 4:54
  gotta
• 4:55
  pick
• 4:55
  one
• 4:55
  strategy
• 4:56
  and
• 4:56
  stop
• 4:57
  switching.
• 4:59
  The
• 4:59
  problem
• 4:59
  is
• 4:59
  you
• 4:59
  hear
• 5:00
  this
• 5:00
  guru
• 5:00
  talk
• 5:01
  about,
• 5:01
  well,
• 5:01
  maybe
• 5:02
  you
• 5:02
  tried
• 5:02
  to
• 5:02
  do
• 5:02
  the
• 5:03
  snowball
• 5:03
  method
• 5:03
  and
• 5:04
  maybe
• 5:04
  that's
• 5:04
  not
• 5:05
  working
• 5:05
  for
• 5:05
  you,
• 5:06
  so
• 5:06
  you
• 5:06
  try
• 5:06
  to
• 5:06
  do
• 5:06
  the
• 5:07
  avalanche
• 5:07
  method.
• 5:09
  But
• 5:09
  here's
• 5:09
  the
• 5:09
  problem.
• 5:10
  Debt
• 5:10
  gets
• 5:11
  discouraging
• 5:12
  when
• 5:12
  you
• 5:12
  keep
• 5:12
  changing
• 5:13
  the
• 5:13
  plan.
• 5:14
  So
• 5:15
  pick
• 5:15
  an
• 5:15
  option,
• 5:15
  and
• 5:16
  I'm
• 5:16
  going
• 5:16
  to
• 5:16
  encourage
• 5:16
  you
• 5:16
  to
• 5:16
  pick
• 5:17
  an
• 5:17
  option
• 5:17
  and
• 5:18
  commit
• 5:18
  to
• 5:18
  it
• 5:18
  for
• 5:18
  90
• 5:19
  days.
• 5:19
  And
• 5:19
  we've
• 5:19
  talked
• 5:20
  about
• 5:20
  the
• 5:20
  snowball
• 5:20
  method
• 5:21
  where
• 5:21
  you
• 5:21
  take
• 5:22
  that
• 5:22
  small
• 5:22
  balance
• 5:23
  first
• 5:23
  and
• 5:23
  that
• 5:24
  gives
• 5:24
  you
• 5:24
  those
• 5:24
  fast
• 5:24
  emotional
• 5:25
  wins.
• 5:26
  We've
• 5:26
  also
• 5:26
  talked
• 5:27
  about
• 5:27
  the
• 5:27
  avalanche
• 5:28
  method
• 5:28
  where
• 5:28
  you
• 5:28
  really
• 5:28
  look
• 5:29
  at
• 5:29
  chipping
• 5:29
  away
• 5:30
  those
• 5:30
  highest
• 5:30
  interest
• 5:31
  rates
• 5:31
  first.
• 5:32
  It's
• 5:33
  the
• 5:33
  fastest
• 5:33
  when
• 5:34
  math
• 5:34
  wins.
• 5:36
  But
• 5:36
  right
• 5:36
  now,
• 5:37
  today,
• 5:37
  decide
• 5:37
  to
• 5:38
  pick
• 5:38
  one
• 5:38
  and
• 5:38
  commit
• 5:38
  to
• 5:39
  it
• 5:39
  for
• 5:39
  90
• 5:39
  days,
• 5:41
  because
• 5:41
  that
• 5:41
  consistency
• 5:42
  is
• 5:42
  going
• 5:42
  to
• 5:43
  beat
• 5:43
  intensity
• 5:43
  when
• 5:44
  you're
• 5:44
  feeling
• 5:44
  low
• 5:44
  and
• 5:45
  you
• 5:45
  feel
• 5:45
  like
• 5:45
  you're
• 5:45
  not
• 5:45
  getting
• 5:46
  anywhere.
• 5:47
  Here's
• 5:48
  another
• 5:48
  pro
• 5:48
  tip.
• 5:49
  Add
• 5:50
  some
• 5:50
  mini
• 5:50
  milestones
• 5:51
  to
• 5:52
  the
• 5:52
  journey
• 5:52
  on
• 5:52
  purpose.
• 5:53
  I
• 5:54
  never
• 5:54
  forget
• 5:54
  when
• 5:54
  I
• 5:54
  was
• 5:55
  younger,
• 5:55
  I
• 5:56
  used
• 5:56
  to
• 5:56
  walk
• 5:56
  this
• 5:56
  annual
• 5:57
  walk
• 5:58
  for
• 5:58
  charity
• 5:58
  every
• 5:59
  year,
• 5:59
  and
• 5:59
  it
• 5:59
  was
• 5:59
  18
• 6:00
  miles
• 6:00
  long.
• 6:02
  Well,
• 6:02
  if
• 6:03
  I
• 6:03
  had
• 6:03
  started
• 6:03
  off
• 6:04
  and
• 6:05
  just
• 6:05
  said,
• 6:05
  well,
• 6:05
  I'm
• 6:06
  going
• 6:06
  to
• 6:06
  walk
• 6:06
  18
• 6:06
  miles,
• 6:07
  I
• 6:07
  would
• 6:07
  have
• 6:07
  probably
• 6:08
  never
• 6:08
  finished.
• 6:09
  But
• 6:09
  I
• 6:09
  knew
• 6:10
  every
• 6:10
  mile
• 6:10
  or
• 6:11
  two
• 6:11
  there
• 6:11
  was
• 6:11
  a
• 6:12
  checkpoint.
• 6:12
  I
• 6:12
  could
• 6:12
  get
• 6:12
  something
• 6:13
  to
• 6:13
  eat,
• 6:13
  I
• 6:13
  could
• 6:13
  get
• 6:13
  something
• 6:14
  to
• 6:14
  drink
• 6:14
  and
• 6:14
  sort
• 6:15
  of
• 6:15
  celebrate
• 6:15
  my
• 6:16
  wins
• 6:17
  and
• 6:17
  see
• 6:17
  if
• 6:17
  you're
• 6:18
  in
• 6:18
  that
• 6:18
  debt
• 6:18
  payoff
• 6:19
  cycle.
• 6:19
  If
• 6:20
  your
• 6:20
  next
• 6:20
  debt
• 6:21
  payoff
• 6:21
  is
• 6:21
  18
• 6:22
  months
• 6:22
  away,
• 6:23
  your
• 6:24
  motivation
• 6:24
  is
• 6:24
  going
• 6:24
  to
• 6:25
  struggle.
• 6:26
  I'll
• 6:26
  give
• 6:26
  you
• 6:27
  another
• 6:27
  perfect
• 6:27
  example
• 6:28
  of
• 6:28
  this.
• 6:29
  Think
• 6:29
  of
• 6:29
  it
• 6:29
  like
• 6:29
  a
• 6:29
  diet.
• 6:31
  I've
• 6:31
  got
• 6:31
  10
• 6:32
  pounds
• 6:32
  to
• 6:32
  go
• 6:32
  and
• 6:32
  I'll
• 6:33
  have
• 6:33
  lost
• 6:33
  200
• 6:34
  pounds.
• 6:36
  For
• 6:36
  a
• 6:37
  lot
• 6:37
  of
• 6:37
  people,
• 6:37
  that's
• 6:37
  a
• 6:37
  person.
• 6:39
  But
• 6:39
  when
• 6:39
  I
• 6:39
  first
• 6:40
  started,
• 6:40
  I
• 6:40
  couldn't
• 6:41
  say
• 6:41
  to
• 6:41
  myself,
• 6:42
  hey,
• 6:42
  I've
• 6:43
  got
• 6:43
  to
• 6:43
  lose
• 6:43
  £200.
• 6:45
  I
• 6:46
  set
• 6:46
  milestones.
• 6:47
  I
• 6:47
  remember
• 6:47
  the
• 6:47
  first
• 6:47
  time
• 6:48
  my
• 6:48
  milestone
• 6:48
  was
• 6:48
  lose
• 6:49
  five
• 6:49
  pounds.
• 6:51
  And
• 6:51
  then
• 6:51
  once
• 6:51
  I
• 6:52
  lost
• 6:52
  those
• 6:52
  five,
• 6:52
  I
• 6:53
  set
• 6:53
  a
• 6:53
  mile,
• 6:53
  another
• 6:54
  milestone.
• 6:54
  Now
• 6:54
  last
• 6:54
  year
• 6:55
  I
• 6:55
  set
• 6:55
  a
• 6:56
  morning
• 6:56
  more
• 6:57
  aggressive
• 6:57
  milestone.
• 6:58
  I
• 6:58
  wanted
• 6:58
  to
• 6:58
  lose
• 6:59
  70
• 6:59
  pounds
• 7:01
  and
• 7:01
  I
• 7:01
  did
• 7:01
  it.
• 7:02
  But
• 7:02
  listen,
• 7:02
  it
• 7:03
  didn't
• 7:03
  happen
• 7:03
  overnight.
• 7:05
  It
• 7:05
  was
• 7:05
  day
• 7:05
  in
• 7:06
  and
• 7:06
  day
• 7:06
  out.
• 7:06
  But
• 7:06
  I
• 7:07
  kept
• 7:07
  my
• 7:07
  motivation
• 7:08
  because
• 7:08
  I
• 7:08
  set
• 7:08
  those
• 7:08
  milestones.
• 7:09
  So
• 7:10
  do
• 7:10
  the
• 7:10
  same
• 7:10
  thing
• 7:11
  in
• 7:11
  your
• 7:11
  debt
• 7:11
  payment
• 7:12
  strategy.
• 7:13
  Maybe
• 7:13
  you
• 7:13
  set
• 7:14
  those
• 7:14
  milestones
• 7:14
  at
• 7:15
  every
• 7:15
  $500
• 7:16
  pay,
• 7:16
  or
• 7:17
  maybe
• 7:17
  every
• 7:18
  10%
• 7:18
  reduced,
• 7:20
  or
• 7:20
  maybe
• 7:21
  you
• 7:21
  line
• 7:21
  up
• 7:21
  those
• 7:21
  credit
• 7:22
  cards
• 7:22
  and
• 7:22
  everyone
• 7:23
  that
• 7:23
  you
• 7:23
  knock
• 7:23
  out
• 7:24
  or
• 7:24
  get
• 7:24
  down
• 7:24
  to
• 7:24
  a
• 7:24
  certain
• 7:25
  number,
• 7:26
  those
• 7:27
  are
• 7:27
  the
• 7:27
  milestones
• 7:28
  that
• 7:28
  matter.
• 7:28
  And
• 7:29
  celebrate
• 7:29
  with
• 7:29
  a
• 7:30
  planned
• 7:30
  budget
• 7:30
  reward.
• 7:31
  This
• 7:31
  isn't
• 7:31
  the
• 7:31
  time
• 7:32
  to
• 7:32
  splurge.
• 7:33
  Don't
• 7:33
  go
• 7:33
  run
• 7:33
  up
• 7:34
  that
• 7:34
  debt
• 7:34
  again,
• 7:36
  but
• 7:36
  make
• 7:36
  yourself
• 7:37
  a
• 7:37
  marker.
• 7:39
  Because
• 7:39
  just
• 7:39
  like
• 7:39
  that
• 7:40
  long
• 7:40
  walk
• 7:40
  or
• 7:40
  that
• 7:41
  diet,
• 7:41
  that
• 7:41
  long
• 7:41
  obedience
• 7:42
  needs
• 7:43
  mile
• 7:43
  markers
• 7:43
  so
• 7:44
  you
• 7:44
  can
• 7:44
  keep
• 7:44
  moving
• 7:45
  forward.
• 7:47
  But
• 7:47
  you've
• 7:47
  also
• 7:47
  got
• 7:48
  to
• 7:48
  build
• 7:48
  some
• 7:48
  reality
• 7:49
  into
• 7:49
  it.
• 7:50
  And
• 7:50
  that's
• 7:50
  what
• 7:50
  I
• 7:50
  call
• 7:51
  building
• 7:51
  in
• 7:51
  a
• 7:51
  fatigue
• 7:52
  plan
• 7:52
  for
• 7:52
  those
• 7:52
  hard
• 7:53
  months.
• 7:54
  Because
• 7:54
  guess
• 7:55
  what?
• 7:56
  If
• 7:56
  you're
• 7:56
  like
• 7:57
  all
• 7:57
  of
• 7:57
  us,
• 7:58
  you're
• 7:59
  going
• 7:59
  to
• 7:59
  have
• 7:59
  months
• 7:59
  where
• 7:59
  you're
• 8:00
  just
• 8:00
  tired.
• 8:02
  You're
• 8:02
  going
• 8:02
  to
• 8:02
  have
• 8:02
  those
• 8:03
  months
• 8:03
  where,
• 8:03
  man,
• 8:03
  it
• 8:03
  just
• 8:04
  seems
• 8:04
  like
• 8:04
  every
• 8:05
  time
• 8:05
  I
• 8:05
  turn
• 8:05
  around,
• 8:06
  another
• 8:06
  bill's
• 8:06
  coming
• 8:07
  in,
• 8:07
  the
• 8:07
  car's
• 8:08
  broken,
• 8:08
  insurance
• 8:09
  bill
• 8:09
  hit.
• 8:11
  So
• 8:11
  you've
• 8:11
  got
• 8:11
  to
• 8:11
  decide
• 8:12
  ahead
• 8:12
  of
• 8:12
  time
• 8:12
  what
• 8:12
  you're
• 8:13
  going
• 8:13
  to
• 8:13
  do
• 8:13
  when
• 8:13
  one
• 8:13
  of
• 8:14
  those
• 8:14
  hard
• 8:14
  months
• 8:14
  come.
• 8:16
  One
• 8:16
  of
• 8:16
  the
• 8:16
  things
• 8:16
  that
• 8:16
  I
• 8:17
  truly
• 8:17
  recommend
• 8:18
  is
• 8:18
  on
• 8:18
  those
• 8:19
  hard
• 8:19
  months,
• 8:19
  you
• 8:20
  still
• 8:20
  pay
• 8:20
  the
• 8:21
  minimum
• 8:21
  fees
• 8:22
  and
• 8:22
  maybe
• 8:22
  pick
• 8:22
  a
• 8:23
  number
• 8:23
  and
• 8:23
  add
• 8:23
  that
• 8:24
  as
• 8:24
  extra.
• 8:25
  I'm
• 8:25
  going
• 8:25
  to
• 8:25
  pay
• 8:26
  the
• 8:26
  minimum
• 8:26
  and
• 8:27
  I'm
• 8:27
  going
• 8:27
  to
• 8:27
  add
• 8:27
  $25
• 8:28
  extra.
• 8:28
  Now
• 8:29
  that
• 8:29
  might
• 8:29
  not
• 8:29
  be
• 8:30
  what
• 8:30
  you
• 8:30
  wanted
• 8:31
  to
• 8:31
  do,
• 8:31
  that
• 8:31
  might
• 8:32
  not
• 8:32
  fit
• 8:32
  into
• 8:32
  your
• 8:33
  long
• 8:33
  term
• 8:33
  plan,
• 8:35
  but
• 8:35
  that
• 8:35
  keeps
• 8:36
  that
• 8:36
  habit
• 8:36
  alive.
• 8:38
  I
• 8:38
  know
• 8:38
  there
• 8:38
  are
• 8:39
  days
• 8:39
  when
• 8:39
  I'm
• 8:39
  dieting,
• 8:40
  I'm
• 8:40
  really
• 8:40
  watching
• 8:41
  what
• 8:41
  I
• 8:41
  eat
• 8:41
  and
• 8:41
  I
• 8:41
  just
• 8:42
  have
• 8:42
  to
• 8:42
  splurge
• 8:42
  a
• 8:42
  little
• 8:42
  bit.
• 8:44
  And
• 8:44
  I
• 8:44
  just
• 8:44
  have
• 8:44
  to
• 8:44
  say
• 8:45
  to
• 8:45
  myself,
• 8:45
  you
• 8:45
  know
• 8:45
  what?
• 8:46
  Tomorrow
• 8:46
  morning
• 8:47
  I
• 8:47
  get
• 8:47
  started
• 8:47
  again.
• 8:49
  Because
• 8:49
  it's
• 8:49
  not
• 8:50
  giving
• 8:50
  up,
• 8:50
  it's
• 8:51
  staying
• 8:51
  in
• 8:51
  the
• 8:51
  fight.
• 8:52
  And
• 8:52
  listen,
• 8:52
  if
• 8:52
  you
• 8:52
  give
• 8:52
  up,
• 8:53
  you've
• 8:53
  lost
• 8:53
  the
• 8:53
  battle.
• 8:55
  But
• 8:56
  big
• 8:56
  picture
• 8:56
  thing,
• 8:57
  you've
• 8:57
  got
• 8:57
  to
• 8:57
  tie
• 8:58
  that
• 8:58
  debt
• 8:58
  payoff
• 8:59
  to
• 8:59
  freedom
• 9:00
  and
• 9:00
  not
• 9:00
  punishment.
• 9:02
  So
• 9:02
  many
• 9:02
  people
• 9:03
  look
• 9:03
  like
• 9:03
  debt
• 9:04
  payoff.
• 9:04
  Is
• 9:04
  this
• 9:05
  punishment?
• 9:05
  I
• 9:06
  made
• 9:06
  all
• 9:06
  these
• 9:06
  bad
• 9:07
  decisions,
• 9:07
  Ralph.
• 9:08
  I've
• 9:08
  ran
• 9:08
  up
• 9:08
  these
• 9:09
  credit
• 9:09
  cards.
• 9:09
  I
• 9:10
  ran
• 9:10
  up
• 9:10
  this
• 9:10
  debt.
• 9:11
  And
• 9:12
  for.
• 9:12
  To
• 9:12
  be
• 9:12
  honest
• 9:12
  with
• 9:13
  you,
• 9:13
  some
• 9:13
  people
• 9:13
  stay
• 9:13
  motivated
• 9:14
  by
• 9:14
  that
• 9:15
  fear
• 9:15
  and
• 9:15
  shame.
• 9:17
  But
• 9:17
  after
• 9:17
  a
• 9:17
  while,
• 9:18
  at
• 9:18
  least
• 9:18
  for
• 9:19
  me,
• 9:19
  that
• 9:20
  shame
• 9:20
  burns
• 9:21
  out.
• 9:21
  It
• 9:22
  just
• 9:22
  doesn't
• 9:22
  motivate
• 9:23
  me
• 9:23
  anymore.
• 9:23
  I'm
• 9:24
  kind
• 9:24
  of
• 9:24
  happy
• 9:24
  living
• 9:24
  in
• 9:24
  that
• 9:25
  shame.
• 9:27
  Instead,
• 9:28
  I
• 9:28
  think.
• 9:28
  Name
• 9:29
  what
• 9:29
  freedom
• 9:29
  looks
• 9:30
  like
• 9:31
  as
• 9:31
  you're
• 9:31
  starting
• 9:32
  this
• 9:32
  budget,
• 9:33
  this
• 9:33
  debt
• 9:33
  battle.
• 9:35
  Name
• 9:35
  what
• 9:35
  that
• 9:35
  looks
• 9:36
  like.
• 9:36
  Maybe
• 9:36
  things
• 9:36
  like
• 9:37
  this.
• 9:37
  I
• 9:37
  want
• 9:38
  to
• 9:38
  sleep
• 9:38
  again.
• 9:39
  I
• 9:39
  don't
• 9:39
  want
• 9:39
  to
• 9:39
  be
• 9:39
  worried
• 9:40
  sick
• 9:40
  every
• 9:40
  night.
• 9:41
  How
• 9:41
  am
• 9:41
  I
• 9:41
  going
• 9:41
  to
• 9:41
  pay
• 9:42
  my
• 9:42
  bills?
• 9:43
  Maybe
• 9:44
  for
• 9:44
  you.
• 9:44
  You
• 9:45
  want
• 9:45
  your
• 9:45
  marriage
• 9:45
  to
• 9:45
  breathe
• 9:46
  because
• 9:46
  you've
• 9:46
  seen
• 9:47
  how
• 9:47
  this
• 9:47
  has
• 9:47
  created
• 9:48
  so
• 9:48
  much
• 9:48
  tension
• 9:49
  between
• 9:49
  you
• 9:49
  and
• 9:50
  your
• 9:50
  partner.
• 9:50
  We've
• 9:50
  talked
• 9:50
  about
• 9:51
  that
• 9:51
  on
• 9:51
  the
• 9:51
  show.
• 9:53
  Maybe
• 9:53
  you
• 9:53
  want
• 9:54
  that
• 9:54
  margin
• 9:54
  to
• 9:54
  be
• 9:55
  generous.
• 9:55
  You
• 9:55
  don't
• 9:55
  to
• 9:55
  be
• 9:55
  worried
• 9:56
  about,
• 9:56
  man.
• 9:56
  I
• 9:56
  just
• 9:57
  got
• 9:57
  enough
• 9:57
  to
• 9:57
  meet
• 9:58
  my
• 9:58
  bills.
• 10:00
  Maybe
• 10:01
  you
• 10:02
  just
• 10:02
  want
• 10:02
  to
• 10:02
  stop
• 10:02
  feeling
• 10:03
  trapped.
• 10:05
  The
• 10:05
  Bible
• 10:05
  talks
• 10:06
  about
• 10:06
  debt
• 10:07
  being
• 10:07
  a
• 10:07
  slave.
• 10:08
  You've
• 10:08
  been
• 10:08
  a
• 10:09
  slave
• 10:09
  to
• 10:09
  the
• 10:09
  lender.
• 10:11
  And
• 10:12
  here's
• 10:12
  the
• 10:12
  thing.
• 10:12
  You've
• 10:12
  got
• 10:13
  to.
• 10:13
  You've
• 10:13
  got
• 10:13
  to
• 10:14
  embrace
• 10:14
  debt
• 10:15
  payoff
• 10:15
  is
• 10:15
  not
• 10:16
  you
• 10:16
  paying
• 10:16
  for
• 10:16
  past
• 10:17
  mistakes.
• 10:19
  Listen,
• 10:19
  we've
• 10:19
  all
• 10:19
  made
• 10:20
  those
• 10:20
  mistakes.
• 10:20
  We've
• 10:21
  all
• 10:21
  bought
• 10:21
  those
• 10:22
  things
• 10:22
  we
• 10:22
  probably
• 10:22
  shouldn't
• 10:23
  have
• 10:23
  bought.
• 10:23
  We
• 10:23
  ran
• 10:24
  up
• 10:24
  that
• 10:24
  credit
• 10:24
  card
• 10:24
  when
• 10:25
  we
• 10:25
  shouldn't
• 10:25
  have
• 10:25
  done
• 10:25
  it.
• 10:27
  But
• 10:27
  you're
• 10:27
  building
• 10:28
  a
• 10:28
  new
• 10:28
  future
• 10:28
  here.
• 10:30
  And
• 10:30
  that
• 10:31
  future
• 10:31
  includes
• 10:31
  God.
• 10:32
  And
• 10:32
  that's
• 10:32
  why
• 10:32
  I
• 10:32
  do
• 10:32
  this
• 10:33
  show.
• 10:34
  Because
• 10:34
  I've
• 10:34
  recognized
• 10:35
  something
• 10:36
  slow.
• 10:37
  Progress
• 10:38
  is
• 10:39
  still
• 10:39
  progress.
• 10:41
  Maybe
• 10:42
  for
• 10:42
  you,
• 10:42
  it's
• 10:42
  this
• 10:42
  month.
• 10:43
  I
• 10:43
  didn't
• 10:43
  add
• 10:43
  any
• 10:43
  new
• 10:44
  debt.
• 10:44
  Guess
• 10:44
  what?
• 10:44
  That's
• 10:45
  progress.
• 10:47
  So
• 10:47
  here's
• 10:47
  today's
• 10:48
  1.
• 10:48
  Just
• 10:48
  a
• 10:48
  single
• 10:48
  step
• 10:49
  takeaway
• 10:49
  that
• 10:49
  you
• 10:49
  can
• 10:50
  do
• 10:50
  right
• 10:50
  now.
• 10:50
  I
• 10:50
  want
• 10:51
  you
• 10:51
  to
• 10:51
  write
• 10:51
  one
• 10:52
  sentence.
• 10:52
  Just
• 10:53
  one
• 10:53
  sentence.
• 10:54
  And
• 10:54
  I
• 10:54
  want
• 10:54
  you
• 10:54
  to
• 10:54
  keep
• 10:55
  it
• 10:55
  where
• 10:55
  you're
• 10:55
  going
• 10:55
  to
• 10:55
  see
• 10:55
  it.
• 10:57
  Here's
• 10:57
  what
• 10:57
  I
• 10:58
  want
• 10:58
  you
• 10:58
  to
• 10:58
  write.
• 10:58
  I'm
• 10:59
  not
• 10:59
  paying
• 10:59
  off
• 10:59
  debt
• 10:59
  to
• 11:00
  prove
• 11:00
  I'm
• 11:00
  good.
• 11:02
  I'm
• 11:02
  paying
• 11:02
  off
• 11:02
  debt
• 11:03
  to
• 11:03
  live
• 11:03
  free.
• 11:05
  And
• 11:05
  then
• 11:05
  track
• 11:06
  your
• 11:06
  debt
• 11:06
  destroyed
• 11:07
  number
• 11:07
  this
• 11:07
  week.
• 11:08
  I
• 11:09
  think
• 11:09
  it's
• 11:09
  really
• 11:09
  going
• 11:09
  to
• 11:10
  motivate
• 11:10
  you.
• 11:11
  Well,
• 11:11
  let's
• 11:12
  get
• 11:12
  today's
• 11:12
  Bible
• 11:12
  verse.
• 11:13
  And
• 11:13
  it
• 11:14
  comes
• 11:14
  to
• 11:14
  us
• 11:14
  from
• 11:14
  the
• 11:14
  book
• 11:14
  of
• 11:14
  Galatians,
• 11:15
  chapter
• 11:15
  6,
• 11:16
  verse
• 11:16
  9.
• 11:17
  Let
• 11:18
  us
• 11:18
  not
• 11:18
  become
• 11:18
  weary
• 11:19
  in
• 11:19
  doing
• 11:19
  good,
• 11:20
  for
• 11:21
  at
• 11:21
  the
• 11:21
  proper
• 11:21
  time,
• 11:22
  we
• 11:22
  will
• 11:22
  reap
• 11:23
  a
• 11:23
  harvest
• 11:23
  if
• 11:24
  we
• 11:24
  do
• 11:25
  not
• 11:25
  give
• 11:26
  up.
• 11:29
  That
• 11:29
  motivates
• 11:29
  me,
• 11:30
  and
• 11:30
  I
• 11:30
  hope
• 11:30
  it
• 11:31
  motivates
• 11:31
  you.
• 11:32
  Because
• 11:33
  debt
• 11:33
  payoff
• 11:33
  is
• 11:34
  long
• 11:34
  obedience.
• 11:35
  It's.
• 11:35
  It's
• 11:36
  hard
• 11:36
  work.
• 11:36
  It's,
• 11:37
  it's
• 11:37
  big
• 11:37
  decisions
• 11:38
  over
• 11:38
  a
• 11:39
  long
• 11:39
  period
• 11:39
  of
• 11:39
  time.
• 11:40
  But
• 11:41
  God
• 11:41
  speaks
• 11:42
  directly
• 11:42
  to
• 11:42
  that
• 11:42
  tired
• 11:43
  heart
• 11:43
  that
• 11:44
  he
• 11:44
  wants
• 11:44
  to
• 11:44
  quit.
• 11:44
  And
• 11:45
  he
• 11:45
  says,
• 11:45
  do
• 11:45
  not
• 11:45
  become
• 11:46
  weary
• 11:47
  because
• 11:47
  you
• 11:48
  will
• 11:48
  get
• 11:48
  the
• 11:49
  harvest.
• 11:50
  How
• 11:50
  about
• 11:50
  we
• 11:50
  pray
• 11:51
  together,
• 11:52
  Father
• 11:53
  God,
• 11:54
  you
• 11:54
  see
• 11:54
  the
• 11:54
  weight
• 11:55
  this
• 11:55
  debt
• 11:55
  is
• 11:55
  carried.
• 11:57
  You
• 11:57
  see
• 11:57
  those
• 11:58
  sleepless
• 11:58
  nights,
• 11:59
  and
• 11:59
  you
• 11:59
  see
• 11:59
  the
• 11:59
  stress
• 12:00
  and
• 12:00
  the
• 12:00
  frustration
• 12:01
  and
• 12:01
  just
• 12:01
  the
• 12:01
  overall
• 12:02
  fatigue,
• 12:02
  Lord.
• 12:04
  And
• 12:04
  I
• 12:04
  ask
• 12:04
  right
• 12:05
  now
• 12:05
  that
• 12:05
  you
• 12:05
  strengthen,
• 12:06
  my
• 12:06
  friend,
• 12:06
  Right
• 12:07
  now
• 12:07
  is
• 12:07
  wherever
• 12:07
  they're
• 12:08
  at,
• 12:09
  and
• 12:09
  not
• 12:09
  just
• 12:10
  financially,
• 12:10
  Lord,
• 12:10
  but
• 12:11
  emotionally
• 12:12
  and
• 12:12
  spiritually
• 12:13
  at
• 12:13
  the
• 12:13
  same
• 12:13
  time.
• 12:15
  And
• 12:15
  when
• 12:15
  that
• 12:16
  progress
• 12:16
  feels
• 12:16
  so
• 12:17
  we
• 12:17
  know
• 12:17
  it's
• 12:17
  going
• 12:17
  to
• 12:17
  feel
• 12:18
  slow
• 12:18
  at
• 12:18
  times,
• 12:18
  Lord,
• 12:19
  remind
• 12:19
  them
• 12:20
  that
• 12:20
  faithfulness
• 12:21
  matters.
• 12:22
  And
• 12:23
  as
• 12:23
  your
• 12:23
  word
• 12:23
  says,
• 12:24
  help
• 12:24
  them
• 12:24
  not
• 12:24
  to
• 12:25
  grow
• 12:25
  weary
• 12:25
  in
• 12:25
  doing
• 12:26
  good,
• 12:27
  but
• 12:27
  give
• 12:27
  them
• 12:28
  wisdom
• 12:28
  for
• 12:28
  the
• 12:28
  plan,
• 12:29
  Lord,
• 12:29
  and
• 12:29
  discipline
• 12:30
  for
• 12:30
  the
• 12:30
  rhythm.
• 12:32
  And
• 12:32
  bigger
• 12:32
  than
• 12:33
  that,
• 12:33
  encouragement
• 12:34
  for
• 12:34
  the
• 12:34
  long
• 12:34
  haul.
• 12:36
  And
• 12:36
  Lord,
• 12:36
  as
• 12:37
  they
• 12:37
  keep
• 12:37
  going,
• 12:38
  let
• 12:39
  that
• 12:39
  freedom
• 12:39
  come.
• 12:40
  Let
• 12:41
  it
• 12:41
  come
• 12:41
  little
• 12:41
  by
• 12:41
  little
• 12:42
  and
• 12:42
  then
• 12:43
  fully.
• 12:43
  And
• 12:43
  we
• 12:43
  ask
• 12:44
  this
• 12:44
  in
• 12:45
  Jesus
• 12:45
  name.
• 12:46
  Amen.
• 12:48
  Friend,
• 12:49
  I
• 12:49
  want
• 12:49
  to
• 12:49
  remind
• 12:49
  you
• 12:49
  of
• 12:50
  something.
• 12:50
  You're
• 12:50
  doing
• 12:50
  a
• 12:51
  hard
• 12:51
  thing.
• 12:52
  You're
• 12:53
  not
• 12:53
  failing.
• 12:53
  You're
• 12:54
  fighting.
• 12:55
  And
• 12:55
  God
• 12:56
  honors
• 12:56
  the
• 12:56
  fight.
• 12:56
  And
• 12:57
  God
• 12:57
  honors
• 12:57
  those
• 12:58
  faithful
• 12:58
  steps.
• 13:00
  And
• 13:00
  if
• 13:00
  you've
• 13:00
  got
• 13:00
  a
• 13:00
  question
• 13:01
  you'd
• 13:01
  like
• 13:01
  me
• 13:01
  to
• 13:01
  answer
• 13:02
  on
• 13:02
  the
• 13:02
  show,
• 13:02
  I
• 13:02
  want
• 13:02
  to
• 13:02
  encourage
• 13:03
  you
• 13:03
  right
• 13:03
  now
• 13:04
  to
• 13:04
  send
• 13:04
  it
• 13:04
  to
• 13:05
  us.
• 13:05
  Go
• 13:05
  to
• 13:05
  Financially
• 13:06
  Confident
• 13:06
  Christian.
• 13:09
  I'm
• 13:09
  going
• 13:09
  to
• 13:09
  give
• 13:09
  you
• 13:09
  that
• 13:09
  again
• 13:10
  and
• 13:10
  we'll
• 13:10
  put
• 13:10
  it
• 13:10
  in
• 13:10
  the
• 13:10
  show
• 13:11
  notes.
• 13:11
  It's
• 13:12
  financiallyconfidentchristian.com/question
• 13:15
  because
• 13:16
  this
• 13:16
  show
• 13:16
  is
• 13:17
  all
• 13:17
  about
• 13:17
  answering
• 13:17
  your
• 13:17
  questions
• 13:18
  and
• 13:18
  helping
• 13:18
  you
• 13:18
  break
• 13:19
  that
• 13:19
  cycle
• 13:20
  of
• 13:20
  financial
• 13:20
  shame
• 13:21
  and
• 13:21
  truly
• 13:22
  live
• 13:22
  in
• 13:22
  confidence.
• 13:23
  So
• 13:23
  thank
• 13:24
  you
• 13:24
  so
• 13:24
  much
• 13:24
  for
• 13:24
  joining
• 13:25
  me
• 13:25
  today.
• 13:25
  Stay
• 13:26
  financially
• 13:26
  savvy.
• 13:27
  May
• 13:27
  God
• 13:28
  bless
• 13:28
  you.
• 13:28
  And
• 13:29
  you
• 13:29
  have
• 13:29
  a
• 13:29
  great
• 13:29
  day
• 13:30
  today.