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How Can I Budget for Fall Fun Without Overspending? · Becoming Financially Confident

• 0:38
  Hey,
• 0:38
  As
• 0:39
  I
• 0:39
  was
• 0:39
  preparing
• 0:39
  today,
• 0:39
  I
• 0:40
  was
• 0:40
  thinking
• 0:40
  to
• 0:40
  myself,
• 0:40
  I
• 0:41
  can't
• 0:41
  believe
• 0:41
  this,
• 0:41
  but
• 0:42
  think
• 0:42
  about
• 0:42
  this
• 0:42
  for
• 0:42
  a
• 0:43
  second.
• 0:43
  Cooler
• 0:44
  weather,
• 0:44
  pumpkin
• 0:45
  spice,
• 0:45
  fall
• 0:46
  festivals
• 0:46
  and
• 0:47
  football
• 0:47
  games.
• 0:48
  Yes,
• 0:48
  the
• 0:49
  autumn
• 0:49
  season
• 0:49
  offers
• 0:50
  so
• 0:50
  many
• 0:50
  tempting
• 0:51
  activities,
• 0:52
  but
• 0:52
  does
• 0:52
  the
• 0:53
  thought
• 0:53
  of
• 0:53
  all
• 0:53
  that
• 0:53
  spontaneous
• 0:54
  spending
• 0:55
  make
• 0:55
  your
• 0:55
  budget
• 0:55
  shiver
• 0:56
  like
• 0:56
  a
• 0:56
  nice
• 0:57
  cold
• 0:57
  fall
• 0:58
  night?
• 0:59
  What
• 0:59
  if
• 0:59
  you
• 0:59
  could
• 0:59
  enjoy
• 1:00
  every
• 1:00
  festive
• 1:00
  moment
• 1:01
  without
• 1:01
  the
• 1:01
  financial
• 1:02
  stress
• 1:03
  or
• 1:03
  more
• 1:03
  importantly,
• 1:04
  without
• 1:04
  overspending?
• 1:05
  Well,
• 1:05
  I'm
• 1:05
  going
• 1:05
  to
• 1:05
  encourage
• 1:05
  you
• 1:05
  to
• 1:05
  stick
• 1:06
  with
• 1:06
  me
• 1:06
  today
• 1:06
  on
• 1:06
  the
• 1:07
  show
• 1:07
  because
• 1:07
  I'm
• 1:07
  going
• 1:07
  to
• 1:07
  share
• 1:08
  with
• 1:08
  you
• 1:08
  exactly
• 1:09
  how
• 1:09
  to
• 1:09
  make
• 1:09
  that
• 1:09
  happen.
• 1:11
  This
• 1:11
  is
• 1:12
  Financially
• 1:12
  Confident
• 1:13
  Christian,
• 1:14
  your
• 1:14
  daily
• 1:14
  dose
• 1:14
  of
• 1:15
  gospel,
• 1:15
  grounded
• 1:16
  insight
• 1:16
  and
• 1:16
  faith
• 1:16
  driven
• 1:17
  tips
• 1:17
  to
• 1:18
  help
• 1:18
  you
• 1:18
  break
• 1:18
  the
• 1:18
  cycle
• 1:19
  of
• 1:19
  financial
• 1:19
  shame
• 1:20
  with
• 1:20
  confidence.
• 1:22
  Hey
• 1:22
  there
• 1:23
  and
• 1:23
  welcome
• 1:23
  back
• 1:23
  to
• 1:23
  your
• 1:24
  daily
• 1:24
  Financially
• 1:25
  Confident
• 1:25
  Christian.
• 1:26
  I
• 1:26
  am
• 1:26
  so
• 1:26
  happy
• 1:27
  that
• 1:27
  you've
• 1:27
  chosen
• 1:27
  to
• 1:27
  give
• 1:28
  me
• 1:28
  just
• 1:28
  a
• 1:28
  little
• 1:28
  bit
• 1:28
  of
• 1:28
  your
• 1:29
  time
• 1:29
  today.
• 1:30
  I'm
• 1:30
  Ralph
• 1:30
  and
• 1:30
  we're
• 1:31
  on
• 1:31
  the
• 1:31
  show
• 1:31
  asking
• 1:32
  this
• 1:32
  big
• 1:33
  question
• 1:33
  and
• 1:34
  that's
• 1:34
  how
• 1:34
  can
• 1:34
  I
• 1:34
  become
• 1:35
  a
• 1:35
  financially
• 1:36
  confident
• 1:36
  Christian?
• 1:37
  And
• 1:37
  we're
• 1:38
  in
• 1:38
  our
• 1:38
  series
• 1:38
  Smart
• 1:39
  Money
• 1:39
  for
• 1:39
  Back
• 1:39
  to
• 1:40
  school
• 1:40
  and
• 1:40
  beyond
• 1:41
  equipping
• 1:41
  your
• 1:41
  family
• 1:42
  for
• 1:42
  a
• 1:42
  thriving
• 1:43
  calendar
• 1:43
  year.
• 1:44
  Well,
• 1:44
  yesterday,
• 1:45
  if
• 1:45
  you
• 1:45
  missed
• 1:45
  the
• 1:45
  show,
• 1:46
  we
• 1:46
  talked
• 1:46
  about
• 1:47
  boosting
• 1:47
  your
• 1:47
  income
• 1:48
  with
• 1:48
  some
• 1:48
  savvy
• 1:49
  fall
• 1:49
  hustles
• 1:50
  to
• 1:50
  help
• 1:50
  you
• 1:50
  with
• 1:51
  that
• 1:51
  holiday
• 1:51
  prep
• 1:52
  and
• 1:52
  to
• 1:52
  help
• 1:52
  you
• 1:52
  go
• 1:52
  into
• 1:53
  that
• 1:53
  holiday
• 1:53
  season
• 1:54
  without
• 1:54
  all
• 1:55
  that
• 1:55
  financial
• 1:55
  stress
• 1:56
  and
• 1:56
  anxiety.
• 1:56
  So
• 1:57
  if
• 1:57
  you
• 1:57
  missed
• 1:57
  it,
• 1:57
  I'm
• 1:58
  I
• 1:58
  encourage
• 1:58
  you
• 1:58
  to
• 1:58
  check
• 1:58
  it
• 1:58
  out.
• 1:59
  You
• 1:59
  can
• 1:59
  catch
• 1:59
  all
• 1:59
  of
• 2:00
  our
• 2:00
  shows@financially
• 2:02
  confidentchristian.com
• 2:04
  now
• 2:04
  today
• 2:04
  we're
• 2:04
  going
• 2:05
  to
• 2:05
  build
• 2:05
  on
• 2:05
  that
• 2:05
  and
• 2:06
  we're
• 2:06
  going
• 2:06
  to
• 2:06
  ensure
• 2:06
  that
• 2:06
  you
• 2:06
  can
• 2:07
  truly
• 2:07
  enjoy
• 2:07
  all
• 2:08
  of
• 2:08
  those
• 2:08
  unique
• 2:08
  experiences.
• 2:09
  Fall
• 2:10
  offers.
• 2:10
  We're
• 2:11
  going
• 2:11
  to
• 2:11
  talk
• 2:11
  about
• 2:11
  today
• 2:11
  on
• 2:12
  the
• 2:12
  show
• 2:12
  how
• 2:12
  to
• 2:12
  budget
• 2:13
  for
• 2:13
  fall
• 2:13
  fun
• 2:14
  like
• 2:14
  those
• 2:14
  festivals
• 2:15
  and
• 2:15
  those
• 2:15
  sporting
• 2:16
  events
• 2:16
  and
• 2:16
  those
• 2:16
  affordable
• 2:17
  entertainment
• 2:18
  things
• 2:19
  without
• 2:19
  overspending
• 2:20
  and
• 2:20
  without
• 2:20
  going
• 2:21
  into
• 2:21
  debt.
• 2:22
  So
• 2:22
  today's
• 2:22
  question
• 2:22
  is
• 2:23
  this.
• 2:23
  How
• 2:24
  can
• 2:24
  I
• 2:24
  budget
• 2:24
  for
• 2:24
  fall
• 2:25
  fun
• 2:25
  without
• 2:26
  overspending?
• 2:28
  Hey,
• 2:28
  listen,
• 2:28
  if
• 2:28
  you're
• 2:28
  like
• 2:29
  me,
• 2:29
  you
• 2:29
  love
• 2:29
  the
• 2:29
  fall
• 2:30
  season.
• 2:30
  It's
• 2:30
  my
• 2:30
  wife's
• 2:31
  favorite
• 2:31
  time
• 2:31
  of
• 2:32
  year.
• 2:32
  So
• 2:33
  fall
• 2:33
  arrives.
• 2:33
  It
• 2:34
  brings
• 2:34
  a
• 2:34
  flurry
• 2:34
  of
• 2:35
  appealing
• 2:35
  activities.
• 2:36
  You
• 2:36
  know,
• 2:36
  local
• 2:36
  harvest
• 2:37
  festivals.
• 2:38
  Hey,
• 2:38
  those
• 2:38
  pumpkin
• 2:39
  patches,
• 2:39
  maybe
• 2:39
  that,
• 2:40
  that
• 2:40
  pumpkin
• 2:40
  spice
• 2:41
  coffee.
• 2:41
  Talk
• 2:42
  about
• 2:42
  that
• 2:42
  another
• 2:42
  day.
• 2:43
  How
• 2:43
  about
• 2:43
  apple
• 2:44
  picking
• 2:44
  and
• 2:44
  high
• 2:45
  school
• 2:45
  football
• 2:46
  games
• 2:46
  and
• 2:46
  those
• 2:46
  haunted
• 2:47
  houses,
• 2:47
  those
• 2:48
  corn
• 2:48
  mazes
• 2:48
  that
• 2:49
  you
• 2:49
  can't
• 2:49
  ever
• 2:49
  seem
• 2:49
  to
• 2:49
  get
• 2:50
  out
• 2:50
  of.
• 2:51
  And
• 2:51
  maybe
• 2:51
  for
• 2:51
  you,
• 2:51
  just
• 2:52
  that
• 2:52
  autumn
• 2:52
  decorations.
• 2:53
  That's
• 2:53
  my
• 2:53
  wife's
• 2:53
  favorite.
• 2:54
  She
• 2:54
  loves
• 2:54
  to
• 2:55
  decorate
• 2:55
  for
• 2:55
  the
• 2:55
  fall.
• 2:57
  And
• 2:57
  here's
• 2:57
  the
• 2:57
  problem.
• 2:57
  If
• 2:58
  you
• 2:58
  approach
• 2:58
  these
• 2:59
  things
• 2:59
  spontaneously,
• 3:00
  if
• 3:01
  you
• 3:01
  don't
• 3:01
  think
• 3:01
  about
• 3:01
  the
• 3:02
  cost
• 3:02
  for
• 3:02
  those
• 3:02
  tickets,
• 3:03
  the
• 3:03
  cost
• 3:03
  of
• 3:04
  those
• 3:04
  fees,
• 3:04
  the
• 3:04
  parking,
• 3:05
  the
• 3:05
  food,
• 3:05
  the
• 3:05
  souvenirs,
• 3:06
  hey,
• 3:06
  all
• 3:07
  those
• 3:07
  things
• 3:07
  quickly
• 3:08
  pile
• 3:08
  up.
• 3:09
  And
• 3:09
  the
• 3:09
  struggle
• 3:10
  is
• 3:10
  this.
• 3:10
  You
• 3:10
  want
• 3:11
  to
• 3:11
  enjoy
• 3:11
  the
• 3:11
  season's
• 3:12
  unique
• 3:12
  experiences,
• 3:14
  but
• 3:14
  you
• 3:14
  don't
• 3:14
  want
• 3:14
  to
• 3:15
  feel
• 3:15
  overwhelmed
• 3:15
  by
• 3:16
  the
• 3:16
  financial
• 3:16
  impact.
• 3:18
  Because
• 3:18
  if
• 3:19
  you
• 3:19
  don't
• 3:19
  plan
• 3:19
  ahead,
• 3:20
  the
• 3:20
  spontaneous
• 3:21
  spending
• 3:22
  makes
• 3:22
  you
• 3:22
  go
• 3:22
  over
• 3:23
  your
• 3:23
  budget.
• 3:23
  Maybe
• 3:24
  you'll
• 3:24
  accumulate
• 3:24
  debt,
• 3:25
  all
• 3:26
  to
• 3:26
  keep
• 3:26
  in
• 3:26
  that,
• 3:27
  that
• 3:27
  seasonal
• 3:28
  entertainment.
• 3:29
  And
• 3:29
  for
• 3:29
  many
• 3:29
  of
• 3:30
  us,
• 3:30
  and
• 3:30
  hey,
• 3:30
  I'm,
• 3:30
  I'm
• 3:31
  guilty
• 3:31
  of
• 3:31
  this
• 3:31
  too.
• 3:32
  It's
• 3:32
  a
• 3:32
  huge
• 3:33
  source
• 3:33
  of
• 3:33
  stress.
• 3:33
  It
• 3:34
  turns
• 3:34
  that
• 3:34
  enjoyable
• 3:35
  time
• 3:35
  of
• 3:35
  year,
• 3:36
  those
• 3:36
  enjoyable
• 3:36
  activities
• 3:37
  into
• 3:38
  a
• 3:38
  source
• 3:38
  of
• 3:39
  financial
• 3:39
  regret.
• 3:39
  So,
• 3:40
  hey,
• 3:40
  listen,
• 3:40
  we
• 3:40
  don't
• 3:40
  want
• 3:41
  to
• 3:41
  regret
• 3:41
  these
• 3:41
  things.
• 3:42
  So
• 3:42
  here's
• 3:43
  the
• 3:43
  thing.
• 3:44
  Fall
• 3:44
  fund
• 3:44
  doesn't
• 3:45
  have
• 3:45
  to
• 3:45
  break
• 3:45
  the
• 3:46
  bank.
• 3:46
  Hear
• 3:46
  me
• 3:46
  on
• 3:46
  that.
• 3:47
  It
• 3:47
  just
• 3:47
  doesn't.
• 3:48
  But
• 3:48
  it
• 3:48
  does
• 3:49
  need
• 3:49
  to
• 3:49
  be
• 3:49
  intentional
• 3:50
  planning
• 3:50
  and
• 3:51
  prioritizing.
• 3:52
  Listen,
• 3:52
  we
• 3:52
  all
• 3:53
  want
• 3:53
  to
• 3:53
  enjoy
• 3:53
  God's
• 3:54
  creation
• 3:54
  thoughtfully.
• 3:55
  And
• 3:55
  by
• 3:56
  doing
• 3:56
  that,
• 3:56
  we're
• 3:57
  really
• 3:57
  living
• 3:57
  in
• 3:57
  wise
• 3:58
  stewardship.
• 3:58
  So
• 3:58
  let's
• 3:59
  talk
• 3:59
  about
• 3:59
  a
• 3:59
  few
• 4:00
  biblical
• 4:00
  principles
• 4:01
  related
• 4:01
  to
• 4:01
  today's
• 4:02
  topic.
• 4:03
  The
• 4:03
  first
• 4:03
  one
• 4:03
  is
• 4:03
  this.
• 4:04
  Diligent
• 4:05
  plans
• 4:05
  lead
• 4:05
  to
• 4:06
  profit.
• 4:06
  I
• 4:06
  used
• 4:06
  this
• 4:06
  on
• 4:07
  this
• 4:07
  show
• 4:07
  just
• 4:07
  yesterday.
• 4:08
  But
• 4:08
  it's
• 4:09
  so
• 4:09
  important
• 4:09
  that
• 4:09
  you
• 4:10
  understand
• 4:10
  the
• 4:10
  Bible
• 4:11
  is
• 4:11
  constantly
• 4:12
  reinforcing.
• 4:13
  Proverbs
• 4:13
  21:5.
• 4:14
  The
• 4:15
  plans
• 4:15
  of
• 4:15
  the
• 4:15
  diligent
• 4:16
  lead
• 4:16
  to
• 4:16
  profit
• 4:17
  as
• 4:17
  surely
• 4:17
  as
• 4:17
  haste
• 4:18
  leads
• 4:18
  to
• 4:18
  poverty.
• 4:19
  It's
• 4:19
  all
• 4:19
  about
• 4:20
  planning.
• 4:21
  You
• 4:21
  can
• 4:21
  have
• 4:22
  fun
• 4:22
  in
• 4:22
  the
• 4:22
  fall.
• 4:22
  You
• 4:23
  can
• 4:23
  do
• 4:23
  all
• 4:23
  those
• 4:24
  festivals
• 4:24
  and
• 4:24
  football
• 4:25
  games.
• 4:25
  And
• 4:25
  listen,
• 4:26
  I'm
• 4:26
  a
• 4:26
  University
• 4:27
  of
• 4:27
  Delaware
• 4:27
  season
• 4:28
  ticket
• 4:28
  holder.
• 4:28
  I'm
• 4:28
  just
• 4:29
  looking
• 4:29
  forward
• 4:29
  to
• 4:29
  that.
• 4:30
  But
• 4:30
  you
• 4:30
  got
• 4:31
  to
• 4:31
  plan
• 4:31
  for
• 4:31
  those
• 4:31
  things
• 4:32
  and
• 4:32
  you
• 4:32
  got
• 4:32
  to
• 4:33
  plan
• 4:33
  proactively
• 4:34
  so
• 4:34
  that
• 4:34
  you
• 4:34
  can
• 4:35
  profit
• 4:35
  from
• 4:35
  these
• 4:35
  things
• 4:36
  through
• 4:36
  the
• 4:36
  savings
• 4:37
  that
• 4:37
  you're
• 4:37
  going
• 4:37
  to
• 4:37
  do
• 4:37
  by
• 4:38
  doing
• 4:38
  that
• 4:38
  plan.
• 4:39
  And
• 4:40
  let's
• 4:40
  look
• 4:40
  at
• 4:40
  the
• 4:40
  second
• 4:40
  biblical
• 4:41
  principle,
• 4:42
  and
• 4:42
  that's
• 4:42
  enjoying
• 4:43
  God's
• 4:43
  gifts
• 4:43
  wisely.
• 4:44
  That's
• 4:44
  the
• 4:44
  other
• 4:44
  side
• 4:45
  of
• 4:45
  this.
• 4:45
  Let's
• 4:46
  look
• 4:46
  at
• 4:46
  the
• 4:46
  book
• 4:46
  of
• 4:46
  Ecclesiastes.
• 4:47
  Don't
• 4:47
  often
• 4:48
  use
• 4:48
  that
• 4:48
  on
• 4:48
  the
• 4:48
  show,
• 4:48
  but
• 4:49
  Ecclesiastes,
• 4:50
  chapter
• 4:50
  5,
• 4:51
  verses
• 4:51
  19
• 4:51
  and
• 4:52
  20.
• 4:52
  Now,
• 4:52
  I'm
• 4:53
  just
• 4:53
  going
• 4:53
  to
• 4:53
  quote
• 4:53
  chapter
• 4:54
  19
• 4:54
  because
• 4:54
  it
• 4:54
  just
• 4:55
  nails
• 4:55
  it
• 4:55
  says
• 4:56
  this.
• 4:56
  Moreover,
• 4:57
  when
• 4:58
  God
• 4:58
  gives
• 4:58
  someone
• 4:59
  wealth
• 4:59
  and
• 4:59
  possessions
• 5:00
  and
• 5:00
  the
• 5:00
  ability
• 5:01
  to
• 5:01
  enjoy
• 5:01
  them,
• 5:02
  to
• 5:02
  accept
• 5:02
  their
• 5:03
  lot
• 5:03
  and
• 5:03
  be
• 5:03
  happy
• 5:04
  in
• 5:04
  their
• 5:04
  toil,
• 5:05
  this
• 5:05
  is
• 5:06
  a
• 5:06
  gift
• 5:06
  of
• 5:07
  God.
• 5:08
  Listen
• 5:08
  to
• 5:09
  that.
• 5:09
  It's
• 5:09
  a
• 5:09
  gift
• 5:09
  of
• 5:10
  God.
• 5:12
  So
• 5:12
  we
• 5:12
  want
• 5:12
  to
• 5:12
  enjoy
• 5:12
  those
• 5:13
  things.
• 5:13
  God
• 5:13
  has
• 5:13
  given
• 5:14
  us
• 5:14
  all
• 5:14
  these
• 5:14
  bountiful
• 5:15
  things
• 5:15
  for
• 5:15
  us
• 5:16
  to
• 5:16
  enjoy.
• 5:17
  And
• 5:17
  we
• 5:17
  can
• 5:18
  do
• 5:18
  it
• 5:18
  if
• 5:18
  we're
• 5:18
  intentional
• 5:19
  and
• 5:20
  we
• 5:20
  do
• 5:20
  it
• 5:20
  the
• 5:20
  right
• 5:21
  way
• 5:22
  and
• 5:22
  think
• 5:22
  about
• 5:22
  it.
• 5:23
  You
• 5:23
  can
• 5:23
  have
• 5:23
  an
• 5:23
  experience
• 5:24
  that's
• 5:24
  joyful,
• 5:24
  seasonal
• 5:25
  activities.
• 5:26
  But
• 5:26
  you
• 5:26
  just
• 5:26
  have
• 5:27
  to
• 5:27
  live
• 5:27
  within
• 5:27
  your
• 5:27
  means.
• 5:29
  Because
• 5:29
  if
• 5:29
  you're
• 5:29
  like
• 5:29
  me,
• 5:30
  you
• 5:30
  want
• 5:30
  to
• 5:30
  reduce
• 5:30
  stress,
• 5:31
  you
• 5:31
  want
• 5:31
  to
• 5:31
  foster
• 5:32
  gratitude
• 5:32
  for
• 5:32
  those
• 5:33
  simple
• 5:33
  pleasures
• 5:34
  and
• 5:34
  really
• 5:35
  enjoy
• 5:35
  God's
• 5:36
  abundant
• 5:36
  creation.
• 5:37
  So
• 5:38
  now
• 5:38
  you're
• 5:38
  saying,
• 5:38
  ralph,
• 5:39
  okay,
• 5:39
  I
• 5:40
  get
• 5:40
  it.
• 5:40
  How
• 5:40
  can
• 5:40
  we
• 5:41
  do
• 5:41
  it?
• 5:41
  It
• 5:41
  seems
• 5:41
  like
• 5:42
  you're
• 5:42
  talking
• 5:42
  good
• 5:43
  things,
• 5:43
  Ralph,
• 5:43
  but
• 5:43
  how
• 5:43
  do
• 5:43
  we
• 5:44
  get
• 5:44
  there?
• 5:44
  And
• 5:45
  the
• 5:45
  question
• 5:45
  is
• 5:45
  this.
• 5:46
  How
• 5:46
  to
• 5:47
  transform
• 5:47
  fall
• 5:48
  fund
• 5:48
  from
• 5:48
  a
• 5:48
  budget
• 5:49
  buster?
• 5:49
  Hey,
• 5:49
  listen,
• 5:50
  fall
• 5:50
  can
• 5:50
  be
• 5:50
  a
• 5:50
  budget
• 5:51
  buster
• 5:51
  for
• 5:51
  a
• 5:51
  lot
• 5:51
  of
• 5:52
  people.
• 5:52
  There's
• 5:52
  a
• 5:52
  lot
• 5:52
  of
• 5:52
  things
• 5:53
  going
• 5:53
  on,
• 5:53
  back
• 5:53
  to
• 5:53
  school,
• 5:54
  holiday
• 5:54
  planning.
• 5:55
  So
• 5:55
  how
• 5:55
  do
• 5:56
  we
• 5:56
  transform
• 5:56
  that
• 5:57
  fall
• 5:57
  fund
• 5:57
  from
• 5:57
  that
• 5:58
  budget
• 5:58
  buster
• 5:59
  into
• 5:59
  peace,
• 6:00
  into
• 6:00
  enjoyment,
• 6:01
  and
• 6:01
  hey,
• 6:02
  even
• 6:02
  into
• 6:02
  some
• 6:02
  savvy
• 6:03
  stewardship?
• 6:03
  Well,
• 6:04
  as
• 6:04
  you
• 6:04
  know,
• 6:05
  on
• 6:05
  this
• 6:05
  show,
• 6:05
  I've
• 6:05
  always
• 6:06
  got
• 6:06
  a
• 6:06
  solution.
• 6:06
  And
• 6:07
  today's
• 6:07
  solution
• 6:07
  is
• 6:07
  this.
• 6:08
  I'm
• 6:08
  going
• 6:08
  to
• 6:08
  encourage
• 6:09
  you
• 6:09
  to
• 6:09
  intentionally
• 6:10
  create
• 6:10
  a
• 6:10
  fall
• 6:11
  fund
• 6:11
  budget.
• 6:12
  Yes,
• 6:12
  we're
• 6:12
  going
• 6:12
  to
• 6:12
  talk
• 6:12
  about
• 6:13
  budgets.
• 6:14
  We
• 6:14
  can
• 6:14
  call
• 6:14
  it
• 6:14
  intentional
• 6:15
  spending.
• 6:15
  But
• 6:16
  I
• 6:16
  really
• 6:16
  want
• 6:16
  you
• 6:16
  to
• 6:17
  think
• 6:17
  about
• 6:17
  this.
• 6:17
  You
• 6:17
  know,
• 6:18
  I
• 6:18
  want
• 6:18
  you
• 6:18
  to
• 6:18
  spend
• 6:18
  some
• 6:18
  time
• 6:19
  and
• 6:19
  just
• 6:19
  prioritize
• 6:20
  those
• 6:20
  key
• 6:21
  experiences,
• 6:22
  those
• 6:22
  things
• 6:22
  that
• 6:22
  you
• 6:23
  just
• 6:23
  absolutely
• 6:24
  must
• 6:24
  do.
• 6:24
  And
• 6:25
  then
• 6:25
  I
• 6:25
  want
• 6:25
  to
• 6:25
  encourage
• 6:25
  you
• 6:25
  to
• 6:26
  research
• 6:26
  some
• 6:26
  free
• 6:26
  or
• 6:27
  low
• 6:27
  cost
• 6:27
  options.
• 6:28
  It
• 6:29
  all
• 6:29
  starts
• 6:29
  with
• 6:29
  setting
• 6:29
  some
• 6:30
  clear
• 6:30
  spending
• 6:31
  limits
• 6:31
  for
• 6:31
  specific
• 6:32
  activities.
• 6:33
  And
• 6:33
  the
• 6:33
  benefit
• 6:34
  of
• 6:34
  this,
• 6:34
  if
• 6:34
  you
• 6:34
  choose
• 6:35
  to
• 6:35
  do
• 6:35
  this,
• 6:35
  will
• 6:36
  be
• 6:36
  proactive
• 6:36
  enjoyment
• 6:37
  and
• 6:37
  conscious
• 6:38
  allocation.
• 6:39
  So
• 6:39
  here's
• 6:39
  your
• 6:40
  one
• 6:40
  action
• 6:40
  step
• 6:41
  for
• 6:41
  today.
• 6:41
  And
• 6:41
  it's,
• 6:41
  it's
• 6:42
  really
• 6:42
  pretty
• 6:42
  simple.
• 6:42
  The
• 6:43
  goal
• 6:43
  is
• 6:43
  to
• 6:43
  budget
• 6:44
  for
• 6:44
  fall
• 6:44
  fun.
• 6:45
  Because,
• 6:45
  hey,
• 6:45
  as
• 6:45
  I
• 6:45
  say
• 6:45
  on
• 6:46
  the
• 6:46
  show
• 6:46
  all
• 6:46
  the
• 6:46
  time,
• 6:46
  what
• 6:47
  gets
• 6:47
  measured
• 6:47
  gets
• 6:48
  done.
• 6:48
  So
• 6:48
  let's
• 6:48
  budget
• 6:48
  for
• 6:49
  these
• 6:49
  things.
• 6:50
  First
• 6:50
  step,
• 6:50
  brainstorm
• 6:51
  those
• 6:51
  fall
• 6:52
  activities.
• 6:52
  Just
• 6:52
  really
• 6:53
  get
• 6:53
  a
• 6:53
  piece
• 6:53
  of
• 6:53
  paper
• 6:54
  and
• 6:54
  a
• 6:54
  pen
• 6:54
  out
• 6:54
  and
• 6:54
  list
• 6:55
  all
• 6:55
  those
• 6:55
  fall
• 6:55
  activities
• 6:56
  events
• 6:56
  that
• 6:56
  you'd
• 6:57
  ideally
• 6:57
  like
• 6:57
  to
• 6:58
  do
• 6:58
  this
• 6:58
  season.
• 6:58
  You
• 6:59
  know,
• 6:59
  those
• 6:59
  things
• 6:59
  festivals
• 7:00
  just
• 7:00
  go
• 7:00
  through
• 7:00
  and
• 7:01
  say,
• 7:01
  you
• 7:01
  know,
• 7:01
  we
• 7:01
  really
• 7:01
  want
• 7:01
  to
• 7:01
  do
• 7:02
  this
• 7:02
  festival.
• 7:02
  Or
• 7:02
  maybe
• 7:03
  there's
• 7:03
  some
• 7:03
  games
• 7:03
  you
• 7:04
  want
• 7:04
  to
• 7:04
  go
• 7:04
  to.
• 7:04
  Maybe
• 7:05
  you
• 7:05
  want
• 7:05
  to
• 7:05
  go
• 7:05
  pick
• 7:06
  some
• 7:06
  pumpkins.
• 7:06
  Maybe
• 7:06
  you
• 7:07
  want
• 7:07
  to
• 7:07
  go
• 7:07
  to
• 7:07
  the
• 7:07
  haunted
• 7:08
  houses.
• 7:08
  Hey,
• 7:09
  maybe
• 7:09
  you're
• 7:09
  like
• 7:09
  my
• 7:09
  wife
• 7:09
  and
• 7:10
  you
• 7:10
  just
• 7:10
  want
• 7:10
  to
• 7:10
  decorate
• 7:11
  for
• 7:11
  fall.
• 7:11
  But
• 7:11
  just
• 7:12
  brainstorm
• 7:12
  those
• 7:13
  activities,
• 7:13
  list
• 7:14
  them
• 7:14
  out
• 7:14
  so
• 7:14
  that
• 7:14
  you
• 7:15
  know
• 7:15
  that
• 7:15
  you
• 7:15
  can
• 7:15
  be
• 7:15
  prepared
• 7:16
  for
• 7:16
  those.
• 7:17
  Second
• 7:17
  step,
• 7:17
  once
• 7:18
  you've
• 7:18
  made
• 7:18
  that
• 7:18
  list,
• 7:19
  is
• 7:19
  research
• 7:20
  the
• 7:20
  cost.
• 7:20
  And
• 7:21
  hey,
• 7:21
  look
• 7:21
  at
• 7:21
  the
• 7:21
  alternatives
• 7:22
  at
• 7:22
  the
• 7:22
  same
• 7:22
  time.
• 7:23
  Right
• 7:23
  next
• 7:23
  to
• 7:23
  those
• 7:24
  things,
• 7:24
  put
• 7:24
  a
• 7:24
  cost
• 7:25
  estimate
• 7:25
  for
• 7:25
  what
• 7:26
  each
• 7:26
  is
• 7:26
  going
• 7:26
  to
• 7:26
  cost.
• 7:27
  And
• 7:27
  for
• 7:27
  those
• 7:27
  expensive
• 7:28
  items,
• 7:28
  maybe
• 7:29
  think
• 7:29
  about
• 7:29
  some
• 7:29
  free
• 7:30
  or
• 7:30
  low
• 7:30
  cost
• 7:31
  alternatives.
• 7:31
  Maybe
• 7:32
  you
• 7:32
  want
• 7:32
  to
• 7:32
  Go
• 7:32
  travel
• 7:33
  and
• 7:33
  see
• 7:33
  the
• 7:33
  fall
• 7:33
  leaves.
• 7:34
  Well,
• 7:34
  hey,
• 7:34
  maybe
• 7:35
  traveling's
• 7:36
  not
• 7:36
  in
• 7:36
  your
• 7:36
  budget
• 7:36
  right
• 7:36
  now.
• 7:37
  Maybe
• 7:37
  you'd
• 7:37
  like
• 7:37
  to
• 7:37
  go
• 7:37
  on
• 7:38
  the
• 7:38
  east
• 7:38
  coast.
• 7:38
  We
• 7:38
  like
• 7:39
  to
• 7:39
  travel
• 7:39
  up
• 7:39
  north
• 7:39
  and
• 7:40
  watch
• 7:40
  the
• 7:40
  trees
• 7:40
  turn.
• 7:41
  Well,
• 7:41
  hey,
• 7:41
  maybe
• 7:42
  for
• 7:42
  you,
• 7:42
  you
• 7:42
  don't
• 7:42
  have
• 7:42
  that
• 7:42
  in
• 7:43
  your
• 7:43
  budget
• 7:43
  this
• 7:43
  year.
• 7:44
  Well,
• 7:44
  maybe
• 7:44
  the
• 7:44
  local
• 7:45
  park,
• 7:45
  you'll
• 7:45
  be
• 7:45
  able
• 7:45
  to
• 7:46
  see
• 7:46
  some
• 7:46
  fall
• 7:46
  leaves.
• 7:47
  And
• 7:47
  maybe
• 7:47
  there's
• 7:48
  some
• 7:48
  free
• 7:48
  community
• 7:48
  fairs
• 7:49
  that
• 7:49
  you
• 7:49
  can
• 7:50
  get
• 7:50
  involved
• 7:50
  in
• 7:51
  instead
• 7:51
  of
• 7:51
  those
• 7:51
  pricey
• 7:52
  things
• 7:52
  like
• 7:52
  those
• 7:53
  pricey
• 7:53
  haunted
• 7:53
  houses
• 7:54
  that
• 7:54
  cost
• 7:54
  you
• 7:54
  a
• 7:54
  mint.
• 7:55
  So
• 7:55
  that's
• 7:55
  the
• 7:56
  second
• 7:56
  thing.
• 7:56
  Third
• 7:56
  thing,
• 7:57
  I'm
• 7:57
  going
• 7:57
  to
• 7:57
  encourage
• 7:58
  you
• 7:58
  to
• 7:58
  just
• 7:58
  set
• 7:58
  a
• 7:58
  fall
• 7:59
  fund
• 7:59
  budget
• 8:00
  and
• 8:00
  then
• 8:00
  prioritize
• 8:01
  those
• 8:01
  things.
• 8:01
  So
• 8:01
  you
• 8:01
  made
• 8:02
  the
• 8:02
  list
• 8:02
  of
• 8:02
  the
• 8:02
  things
• 8:02
  you
• 8:02
  want
• 8:03
  to
• 8:03
  do.
• 8:03
  Now
• 8:03
  you've
• 8:04
  listed
• 8:04
  what
• 8:04
  they're
• 8:05
  going
• 8:05
  to
• 8:05
  cost.
• 8:06
  Well,
• 8:06
  now
• 8:06
  it's
• 8:06
  time
• 8:06
  to
• 8:06
  really
• 8:07
  kind
• 8:07
  of
• 8:07
  narrow
• 8:07
  that
• 8:08
  down
• 8:08
  and
• 8:09
  allocate
• 8:09
  some
• 8:09
  specific
• 8:10
  realistic
• 8:10
  amount
• 8:11
  that
• 8:11
  you're
• 8:11
  going
• 8:12
  to
• 8:12
  be
• 8:12
  able
• 8:12
  to
• 8:12
  spend
• 8:12
  for
• 8:12
  these
• 8:13
  and
• 8:13
  put
• 8:13
  it
• 8:13
  in
• 8:13
  what
• 8:14
  I'm
• 8:14
  going
• 8:14
  to
• 8:14
  call
• 8:14
  your
• 8:14
  fall
• 8:15
  fun
• 8:15
  fund.
• 8:16
  3,
• 8:16
  3
• 8:17
  words
• 8:17
  that
• 8:17
  run
• 8:17
  together
• 8:18
  there.
• 8:18
  But
• 8:18
  your
• 8:18
  fall
• 8:19
  fun
• 8:20
  fund.
• 8:21
  Now
• 8:21
  you
• 8:22
  can't
• 8:22
  do
• 8:22
  everything.
• 8:23
  There's
• 8:24
  scarcity
• 8:24
  of
• 8:24
  our
• 8:24
  resources,
• 8:25
  right?
• 8:25
  So
• 8:25
  just
• 8:26
  prioritize
• 8:26
  maybe
• 8:27
  one,
• 8:27
  two
• 8:27
  of
• 8:27
  those
• 8:27
  things
• 8:28
  that
• 8:28
  are
• 8:28
  going
• 8:28
  to
• 8:28
  cost
• 8:28
  you
• 8:28
  some
• 8:29
  money.
• 8:29
  Hey,
• 8:29
  and
• 8:29
  fill
• 8:30
  in
• 8:30
  with
• 8:30
  the
• 8:30
  free
• 8:30
  stuff
• 8:31
  at
• 8:31
  the
• 8:31
  end.
• 8:32
  So
• 8:32
  really
• 8:32
  prioritize
• 8:33
  those
• 8:33
  things
• 8:34
  so
• 8:34
  that
• 8:35
  you
• 8:35
  can,
• 8:35
  you
• 8:35
  can
• 8:36
  enjoy
• 8:36
  those
• 8:36
  things.
• 8:36
  And
• 8:37
  here's
• 8:37
  one
• 8:37
  more
• 8:37
  pro
• 8:38
  tip.
• 8:38
  I'm
• 8:38
  going
• 8:39
  to
• 8:39
  encourage
• 8:39
  you
• 8:39
  to
• 8:39
  do
• 8:39
  this.
• 8:40
  Use
• 8:40
  cash
• 8:41
  or
• 8:41
  a
• 8:41
  specific
• 8:41
  card
• 8:42
  for
• 8:42
  these
• 8:43
  activities.
• 8:43
  You
• 8:43
  know,
• 8:44
  commit
• 8:44
  to
• 8:44
  using
• 8:44
  only
• 8:45
  cash.
• 8:45
  Maybe
• 8:45
  you
• 8:45
  set
• 8:45
  aside
• 8:46
  an
• 8:46
  envelope.
• 8:46
  Here's
• 8:47
  our
• 8:47
  fall
• 8:48
  fun
• 8:48
  fund.
• 8:49
  Or
• 8:49
  maybe
• 8:50
  you
• 8:50
  go
• 8:50
  get
• 8:50
  a
• 8:50
  preloaded
• 8:51
  gift
• 8:51
  card
• 8:51
  because
• 8:52
  you
• 8:52
  want
• 8:52
  to
• 8:52
  create
• 8:52
  a
• 8:53
  physical
• 8:53
  barrier
• 8:54
  so
• 8:54
  you
• 8:54
  can
• 8:54
  help
• 8:54
  avoid
• 8:55
  that
• 8:55
  overspending
• 8:57
  because
• 8:57
  you
• 8:57
  want
• 8:57
  to
• 8:58
  fight
• 8:58
  that
• 8:58
  struggle
• 8:58
  and
• 8:59
  that
• 8:59
  stress
• 8:59
  of
• 8:59
  that
• 8:59
  spontaneous,
• 9:00
  uncontrolled
• 9:01
  false
• 9:01
  spending.
• 9:02
  And
• 9:02
  it's
• 9:02
  so
• 9:02
  easy
• 9:02
  to
• 9:03
  fall.
• 9:03
  Literally
• 9:04
  sounds
• 9:04
  funny
• 9:04
  I'm
• 9:04
  going
• 9:04
  to
• 9:04
  say
• 9:04
  this,
• 9:05
  but
• 9:05
  it's
• 9:05
  so
• 9:05
  easy
• 9:06
  to
• 9:06
  fall
• 9:06
  into
• 9:07
  that.
• 9:07
  And
• 9:08
  by
• 9:08
  putting
• 9:08
  this
• 9:08
  budget
• 9:09
  together,
• 9:09
  by
• 9:09
  really
• 9:10
  laying
• 9:10
  out
• 9:10
  your
• 9:11
  ideas,
• 9:11
  the
• 9:11
  things
• 9:12
  that
• 9:12
  you
• 9:12
  want
• 9:12
  to
• 9:12
  do,
• 9:12
  it
• 9:13
  transforms
• 9:13
  those
• 9:14
  vague
• 9:14
  desires.
• 9:15
  You
• 9:15
  know,
• 9:15
  those
• 9:15
  things
• 9:16
  that
• 9:16
  aren't
• 9:16
  there.
• 9:16
  Yeah,
• 9:16
  yeah,
• 9:17
  they
• 9:17
  really
• 9:17
  kind
• 9:17
  of
• 9:17
  do
• 9:18
  that.
• 9:18
  But
• 9:18
  it
• 9:19
  puts
• 9:19
  it
• 9:19
  into
• 9:19
  a
• 9:19
  concrete,
• 9:20
  budget
• 9:20
  friendly
• 9:21
  plan.
• 9:21
  And
• 9:22
  at
• 9:22
  the
• 9:22
  same
• 9:22
  time
• 9:22
  it's
• 9:23
  going
• 9:23
  to
• 9:23
  encourage
• 9:24
  some
• 9:24
  creativity.
• 9:25
  And
• 9:25
  here's
• 9:25
  the
• 9:25
  best
• 9:25
  part.
• 9:26
  I
• 9:26
  just
• 9:26
  finished
• 9:26
  a
• 9:26
  30
• 9:27
  day
• 9:27
  series
• 9:27
  on
• 9:27
  this.
• 9:28
  It's
• 9:28
  going
• 9:28
  to
• 9:28
  create
• 9:28
  some
• 9:29
  intentionality
• 9:29
  in
• 9:30
  your
• 9:30
  activities,
• 9:31
  all
• 9:31
  leading
• 9:32
  to
• 9:32
  enjoying
• 9:32
  that,
• 9:33
  the
• 9:33
  enjoyments
• 9:34
  of
• 9:34
  fall,
• 9:34
  those
• 9:34
  experiences.
• 9:35
  And
• 9:35
  here's
• 9:35
  the
• 9:35
  Best
• 9:36
  part,
• 9:36
  guilt
• 9:37
  free.
• 9:38
  As
• 9:38
  I
• 9:38
  always
• 9:38
  say
• 9:38
  on
• 9:39
  this
• 9:39
  show,
• 9:39
  within
• 9:40
  your
• 9:40
  means.
• 9:41
  Well,
• 9:42
  let's
• 9:42
  pray
• 9:42
  together
• 9:42
  now.
• 9:43
  Father
• 9:44
  God,
• 9:44
  we
• 9:44
  just
• 9:44
  thank
• 9:45
  you
• 9:45
  for
• 9:45
  the
• 9:45
  beauty
• 9:45
  of
• 9:45
  the
• 9:46
  autumn
• 9:46
  season
• 9:46
  and
• 9:47
  the
• 9:47
  joy
• 9:47
  of
• 9:47
  these
• 9:47
  unique
• 9:48
  activities
• 9:48
  that
• 9:49
  fall
• 9:49
  brings.
• 9:49
  And
• 9:49
  Lord,
• 9:50
  we
• 9:50
  confess
• 9:51
  that
• 9:51
  planning
• 9:51
  for
• 9:51
  fall
• 9:52
  often
• 9:52
  brings
• 9:53
  financial
• 9:53
  temptation
• 9:54
  and
• 9:54
  overspending
• 9:55
  opportunities,
• 9:55
  Lord,
• 9:56
  So
• 9:56
  we
• 9:56
  just
• 9:56
  ask
• 9:57
  that
• 9:57
  you
• 9:57
  would
• 9:57
  grant
• 9:57
  us
• 9:57
  wisdom
• 9:58
  in
• 9:58
  our
• 9:58
  planning,
• 9:59
  Lord,
• 9:59
  and
• 9:59
  discernment
• 10:00
  in
• 10:00
  our
• 10:00
  choices.
• 10:01
  We
• 10:01
  really
• 10:01
  need
• 10:02
  help
• 10:02
  with
• 10:02
  making
• 10:02
  the
• 10:03
  best
• 10:03
  choices.
• 10:04
  And
• 10:04
  Lord,
• 10:04
  we
• 10:04
  ask
• 10:05
  that
• 10:05
  you
• 10:05
  would
• 10:05
  help
• 10:05
  us
• 10:06
  to
• 10:06
  be
• 10:06
  intentional
• 10:07
  in
• 10:07
  allocating
• 10:08
  our
• 10:08
  resources
• 10:09
  so
• 10:09
  that
• 10:09
  we
• 10:09
  can
• 10:09
  enjoy
• 10:10
  the
• 10:10
  season
• 10:11
  and
• 10:11
  enjoy
• 10:12
  it
• 10:12
  without
• 10:12
  guilt
• 10:12
  and
• 10:13
  enjoy
• 10:13
  it
• 10:13
  without
• 10:13
  racking
• 10:14
  up
• 10:14
  that
• 10:14
  debt,
• 10:15
  Lord,
• 10:15
  so
• 10:15
  we
• 10:15
  just
• 10:15
  ask
• 10:16
  that
• 10:16
  you
• 10:16
  would
• 10:16
  guide
• 10:16
  us
• 10:17
  to
• 10:17
  find
• 10:17
  joy
• 10:18
  and
• 10:18
  experiences
• 10:19
  that
• 10:19
  truly
• 10:19
  reflect
• 10:20
  your
• 10:20
  blessings.
• 10:21
  All
• 10:21
  the
• 10:21
  beautiful
• 10:21
  things
• 10:21
  that
• 10:22
  you've
• 10:22
  provided
• 10:23
  for
• 10:23
  us,
• 10:23
  Lord,
• 10:23
  and
• 10:23
  we
• 10:24
  ask
• 10:24
  this
• 10:24
  in
• 10:24
  confidence
• 10:25
  in
• 10:26
  Jesus
• 10:26
  name,
• 10:27
  Amen.
• 10:28
  Listen,
• 10:29
  intentional
• 10:30
  budgeting
• 10:31
  for
• 10:31
  fall
• 10:31
  fun
• 10:32
  frees
• 10:32
  you
• 10:32
  to
• 10:33
  enjoy
• 10:33
  the
• 10:33
  season
• 10:34
  and
• 10:34
  enjoy
• 10:35
  it
• 10:35
  without
• 10:35
  stress.
• 10:35
  So
• 10:36
  I'm
• 10:36
  going
• 10:36
  to
• 10:36
  encourage
• 10:36
  you
• 10:36
  again
• 10:37
  take
• 10:37
  that
• 10:37
  step
• 10:37
  today
• 10:38
  to
• 10:38
  create
• 10:38
  that
• 10:38
  fall
• 10:39
  fun
• 10:39
  budget.
• 10:40
  Three
• 10:40
  more
• 10:40
  times
• 10:41
  I
• 10:41
  say
• 10:41
  that
• 10:41
  I'll
• 10:41
  cut
• 10:41
  it
• 10:42
  down
• 10:42
  and
• 10:42
  prioritize
• 10:43
  those
• 10:43
  experiences
• 10:44
  because
• 10:44
  you're
• 10:45
  moving
• 10:45
  towards
• 10:45
  true
• 10:46
  freedom.
• 10:47
  And
• 10:47
  if
• 10:47
  this
• 10:47
  episode
• 10:48
  resonated
• 10:48
  with
• 10:48
  you,
• 10:48
  I'm
• 10:49
  going
• 10:49
  to
• 10:49
  ask
• 10:49
  you
• 10:49
  to
• 10:49
  share
• 10:50
  it
• 10:50
  with
• 10:50
  somebody
• 10:50
  else
• 10:50
  who,
• 10:51
  who
• 10:51
  might
• 10:51
  need
• 10:51
  to
• 10:52
  hear
• 10:52
  it.
• 10:52
  There's
• 10:52
  a
• 10:52
  lot
• 10:52
  of
• 10:52
  people
• 10:53
  out
• 10:53
  there
• 10:53
  who
• 10:54
  have
• 10:54
  this
• 10:54
  anxiety
• 10:55
  or
• 10:55
  maybe
• 10:55
  they're
• 10:56
  just
• 10:56
  battling
• 10:56
  their
• 10:56
  finances.
• 10:57
  And
• 10:57
  you
• 10:58
  can
• 10:58
  send
• 10:58
  them
• 10:58
  to
• 10:58
  our
• 10:59
  website,
• 10:59
  that's@financiallyconfidentchristian.com
• 11:03
  hey,
• 11:03
  send
• 11:03
  a
• 11:03
  text,
• 11:03
  send
• 11:04
  an
• 11:04
  email,
• 11:04
  say,
• 11:04
  listen,
• 11:05
  I
• 11:05
  really
• 11:06
  learned
• 11:06
  a
• 11:06
  lot
• 11:06
  from
• 11:06
  Ralph.
• 11:07
  I'm
• 11:07
  really
• 11:07
  trying
• 11:07
  to
• 11:08
  become
• 11:08
  that
• 11:08
  financially
• 11:09
  confident
• 11:09
  Christian.
• 11:10
  And
• 11:10
  I'm
• 11:10
  going
• 11:10
  to
• 11:10
  encourage
• 11:11
  you
• 11:11
  to
• 11:11
  listen
• 11:11
  as
• 11:11
  well.
• 11:12
  Now,
• 11:12
  tomorrow
• 11:13
  we're
• 11:13
  going
• 11:13
  to
• 11:13
  talk
• 11:14
  about
• 11:14
  another
• 11:14
  annual
• 11:15
  financial
• 11:16
  touchpoint
• 11:17
  and
• 11:17
  that's
• 11:17
  this.
• 11:18
  How
• 11:18
  to
• 11:18
  prepare
• 11:19
  for
• 11:19
  the
• 11:19
  biggest
• 11:19
  spending
• 11:20
  season
• 11:20
  of
• 11:20
  the
• 11:20
  year.
• 11:21
  Yes,
• 11:21
  it's
• 11:21
  not
• 11:22
  too
• 11:22
  far
• 11:22
  away.
• 11:23
  So
• 11:23
  I'm
• 11:23
  gonna
• 11:23
  talk
• 11:23
  about
• 11:23
  how
• 11:24
  to
• 11:24
  start
• 11:24
  your
• 11:24
  debt
• 11:25
  free
• 11:25
  holiday
• 11:25
  prep
• 11:26
  early
• 11:26
  so
• 11:26
  you
• 11:26
  don't
• 11:26
  wanna
• 11:26
  miss
• 11:27
  it.
• 11:27
  So
• 11:27
  make
• 11:27
  sure
• 11:28
  you
• 11:28
  join
• 11:28
  me
• 11:29
  on
• 11:29
  tomorrow's
• 11:29
  show.
• 11:30
  Now
• 11:30
  let's
• 11:30
  all
• 11:30
  go
• 11:30
  out
• 11:30
  there
• 11:31
  today
• 11:31
  and
• 11:32
  be
• 11:32
  financially
• 11:33
  confident
• 11:33
  Christians.
• 11:34
  You
• 11:34
  can
• 11:34
  do
• 11:35
  this.
• 11:35
  I
• 11:36
  have
• 11:36
  confidence
• 11:36
  in
• 11:37
  you,
• 11:37
  have
• 11:37
  confidence
• 11:38
  in
• 11:38
  yourselIt.