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How Do I Keep Going When Paycheck to Paycheck Life Is Draining Me? · Becoming Financially Confident

• 0:37
  What
• 0:37
  do
• 0:37
  you
• 0:37
  do
• 0:38
  when
• 0:38
  your
• 0:38
  paycheck
• 0:38
  feels
• 0:39
  less
• 0:39
  like
• 0:39
  progress
• 0:40
  and
• 0:41
  more
• 0:41
  like
• 0:41
  temporary
• 0:42
  relief?
• 0:44
  Today
• 0:44
  I
• 0:44
  want
• 0:44
  to
• 0:44
  talk
• 0:44
  to
• 0:45
  that
• 0:45
  person
• 0:45
  who's
• 0:45
  working
• 0:46
  hard.
• 0:47
  You're
• 0:47
  paying
• 0:47
  your
• 0:48
  bills,
• 0:49
  you're
• 0:49
  doing
• 0:49
  everything
• 0:50
  you
• 0:50
  can
• 0:50
  to
• 0:50
  stay
• 0:51
  afloat,
• 0:52
  but
• 0:52
  you're
• 0:53
  still
• 0:53
  feeling
• 0:53
  like
• 0:53
  one
• 0:54
  unexpected
• 0:54
  expense
• 0:55
  could
• 0:55
  knock
• 0:55
  everything
• 0:56
  over.
• 0:57
  And
• 0:57
  from
• 0:58
  the
• 0:58
  outside,
• 0:58
  you
• 0:58
  might
• 0:58
  look
• 0:59
  like
• 0:59
  you've
• 0:59
  got
• 0:59
  it
• 0:59
  all
• 0:59
  together,
• 1:01
  but
• 1:01
  internally
• 1:02
  you're
• 1:02
  exhausted.
• 1:04
  You're
• 1:04
  constantly
• 1:05
  calculating,
• 1:05
  you're
• 1:06
  stretching
• 1:06
  and
• 1:06
  yeah,
• 1:06
  you're
• 1:07
  worrying.
• 1:08
  And
• 1:08
  underneath
• 1:09
  that
• 1:09
  financial
• 1:10
  pressure
• 1:10
  is
• 1:10
  a
• 1:10
  deeper
• 1:11
  question
• 1:11
  that
• 1:11
  a
• 1:12
  lot
• 1:12
  of
• 1:12
  people
• 1:12
  carry
• 1:12
  quietly.
• 1:14
  How
• 1:14
  do
• 1:14
  you
• 1:15
  keep
• 1:15
  hope
• 1:15
  alive
• 1:16
  when
• 1:16
  survival
• 1:17
  mode
• 1:17
  starts
• 1:17
  feeling
• 1:18
  permanent?
• 1:19
  That's
• 1:19
  what
• 1:20
  we're
• 1:20
  going
• 1:20
  to
• 1:20
  cover
• 1:20
  on
• 1:20
  today's
• 1:21
  show.
• 1:30
  Hey,
• 1:30
  friend,
• 1:30
  Ralph
• 1:31
  Estep
• 1:31
  Jr.
• 1:32
  Here.
• 1:32
  I
• 1:32
  want
• 1:32
  to
• 1:32
  welcome
• 1:33
  you
• 1:33
  to
• 1:33
  Financially
• 1:34
  Confident
• 1:34
  Christian.
• 1:35
  This
• 1:35
  is
• 1:36
  the
• 1:36
  show
• 1:36
  where
• 1:36
  we
• 1:36
  break
• 1:37
  that
• 1:37
  cycle
• 1:37
  of
• 1:37
  financial
• 1:38
  shame
• 1:38
  that
• 1:39
  so
• 1:39
  many
• 1:39
  of
• 1:39
  us
• 1:39
  live
• 1:39
  in
• 1:40
  and
• 1:40
  replace
• 1:41
  it
• 1:41
  with
• 1:41
  biblical
• 1:42
  stewardship,
• 1:43
  practical
• 1:43
  wisdom,
• 1:44
  and,
• 1:44
  yes,
• 1:44
  real
• 1:45
  confidence.
• 1:46
  And
• 1:46
  today
• 1:47
  we're
• 1:47
  talking
• 1:47
  about
• 1:47
  how
• 1:47
  to
• 1:48
  keep
• 1:48
  going
• 1:48
  when
• 1:48
  that
• 1:49
  paycheck
• 1:49
  to
• 1:49
  paycheck
• 1:50
  life
• 1:50
  is
• 1:50
  emotionally
• 1:51
  draining.
• 1:53
  And
• 1:53
  friend,
• 1:53
  if
• 1:54
  that's
• 1:54
  where
• 1:54
  you
• 1:54
  are
• 1:54
  right
• 1:54
  now,
• 1:55
  I
• 1:56
  want
• 1:56
  you
• 1:56
  to
• 1:56
  hear
• 1:56
  this
• 1:56
  loud
• 1:57
  and
• 1:57
  clear.
• 1:58
  You're
• 1:58
  not
• 1:58
  alone.
• 1:59
  Well,
• 1:59
  let's
• 2:00
  get
• 2:00
  into
• 2:00
  today's
• 2:00
  listener
• 2:01
  question.
• 2:01
  We
• 2:02
  got
• 2:02
  this
• 2:02
  listener
• 2:03
  email.
• 2:03
  Listener
• 2:04
  writes
• 2:04
  this
• 2:04
  Ralph
• 2:05
  My
• 2:05
  bank
• 2:06
  account
• 2:06
  feels
• 2:06
  less
• 2:07
  like
• 2:07
  security
• 2:08
  and
• 2:08
  more
• 2:08
  like
• 2:09
  a
• 2:09
  countdown
• 2:09
  timer.
• 2:10
  I
• 2:11
  get
• 2:11
  paid,
• 2:11
  I
• 2:12
  can
• 2:12
  breathe
• 2:12
  for
• 2:12
  a
• 2:12
  moment.
• 2:13
  Then
• 2:14
  I
• 2:14
  watch
• 2:14
  the
• 2:14
  money
• 2:14
  disappear
• 2:15
  almost
• 2:15
  immediately
• 2:16
  into
• 2:16
  things
• 2:17
  like
• 2:17
  rent,
• 2:18
  bills,
• 2:19
  groceries,
• 2:20
  gas,
• 2:20
  you
• 2:20
  know,
• 2:21
  all
• 2:21
  those
• 2:21
  basic
• 2:21
  things
• 2:22
  it
• 2:22
  takes
• 2:22
  to
• 2:23
  stay
• 2:23
  afloat.
• 2:24
  Then
• 2:25
  I'm
• 2:25
  back
• 2:25
  to
• 2:25
  checking
• 2:25
  my
• 2:25
  banking
• 2:26
  app
• 2:26
  over
• 2:27
  and
• 2:27
  over,
• 2:28
  somehow
• 2:29
  hoping
• 2:29
  the
• 2:29
  numbers
• 2:30
  will
• 2:30
  stretch
• 2:30
  further
• 2:30
  than
• 2:31
  they
• 2:31
  do.
• 2:32
  And
• 2:32
  what's
• 2:32
  hardest
• 2:33
  isn't
• 2:33
  even
• 2:33
  the
• 2:33
  math.
• 2:35
  It's
• 2:35
  that
• 2:35
  pretending
• 2:36
  I'm
• 2:36
  okay
• 2:37
  while
• 2:37
  carrying
• 2:37
  the
• 2:37
  stress.
• 2:38
  Every
• 2:38
  single
• 2:39
  day.
• 2:40
  I'm
• 2:40
  going
• 2:40
  to
• 2:41
  work
• 2:41
  every
• 2:41
  day.
• 2:41
  I'm
• 2:42
  answering
• 2:42
  messages,
• 2:42
  I'm
• 2:43
  acting
• 2:43
  normal
• 2:44
  while
• 2:45
  I'm
• 2:45
  quietly
• 2:46
  calculating
• 2:46
  what
• 2:46
  can
• 2:47
  wait
• 2:48
  and
• 2:48
  what
• 2:48
  can't
• 2:48
  wait.
• 2:50
  I
• 2:50
  never
• 2:51
  thought
• 2:51
  having
• 2:51
  a
• 2:51
  full
• 2:51
  time
• 2:52
  job
• 2:52
  would
• 2:52
  still
• 2:52
  leave
• 2:53
  me
• 2:53
  feeling
• 2:53
  this
• 2:53
  fragile.
• 2:55
  How
• 2:56
  do
• 2:56
  you
• 2:56
  keep
• 2:56
  your
• 2:56
  hope,
• 2:57
  your
• 2:57
  dignity
• 2:58
  and
• 2:58
  your
• 2:59
  peace
• 2:59
  intact
• 3:00
  when
• 3:01
  it
• 3:01
  feels
• 3:01
  like
• 3:01
  you're
• 3:01
  constantly
• 3:02
  one
• 3:02
  step
• 3:02
  away
• 3:03
  from
• 3:04
  falling
• 3:04
  behind?
• 3:06
  What
• 3:06
  a
• 3:07
  powerful
• 3:07
  question
• 3:08
  today.
• 3:09
  And
• 3:10
  it's
• 3:10
  a
• 3:10
  question
• 3:10
  that
• 3:10
  I
• 3:11
  know
• 3:11
  so
• 3:11
  many
• 3:11
  of
• 3:12
  us
• 3:12
  can
• 3:12
  relate
• 3:12
  with.
• 3:14
  I've
• 3:14
  seen
• 3:15
  this
• 3:15
  in
• 3:15
  my
• 3:15
  own
• 3:15
  life
• 3:16
  so
• 3:16
  many
• 3:16
  times.
• 3:19
  And
• 3:19
  one
• 3:20
  thing
• 3:20
  you
• 3:20
  noticed
• 3:20
  here,
• 3:22
  it's
• 3:22
  bigger
• 3:22
  than
• 3:22
  math.
• 3:24
  It's
• 3:24
  not
• 3:24
  just
• 3:25
  the
• 3:25
  numbers.
• 3:26
  It's
• 3:26
  that
• 3:27
  constant
• 3:27
  emotional
• 3:28
  exhaustion
• 3:29
  that
• 3:29
  you're
• 3:29
  feeling.
• 3:31
  And
• 3:32
  it
• 3:32
  isn't
• 3:32
  just
• 3:32
  about
• 3:32
  the
• 3:33
  money
• 3:33
  leaving
• 3:33
  your
• 3:33
  account.
• 3:35
  It's
• 3:36
  about
• 3:36
  the
• 3:36
  peace
• 3:37
  of
• 3:37
  mind
• 3:37
  leaving
• 3:38
  your
• 3:38
  account
• 3:38
  every
• 3:38
  time
• 3:39
  you
• 3:39
  see
• 3:39
  that
• 3:39
  balance
• 3:39
  start
• 3:40
  to
• 3:40
  drop.
• 3:43
  Living
• 3:43
  paycheck
• 3:44
  to
• 3:44
  paycheck
• 3:44
  might
• 3:45
  describe
• 3:45
  the
• 3:45
  pressure
• 3:46
  that
• 3:46
  you're
• 3:46
  in,
• 3:48
  but
• 3:48
  it
• 3:48
  doesn't
• 3:48
  define
• 3:49
  your
• 3:49
  future.
• 3:51
  So
• 3:51
  how
• 3:51
  do
• 3:51
  we
• 3:51
  fix
• 3:51
  this?
• 3:52
  How
• 3:52
  can
• 3:52
  we
• 3:52
  break
• 3:52
  this
• 3:53
  cycle
• 3:53
  and
• 3:54
  really
• 3:54
  find
• 3:54
  confidence?
• 3:56
  Here's
• 3:56
  what
• 3:57
  I'm
• 3:57
  going
• 3:57
  to
• 3:57
  recommend.
• 3:58
  You
• 3:59
  got
• 3:59
  to
• 3:59
  start
• 3:59
  by
• 3:59
  naming
• 4:00
  the
• 4:00
  weight.
• 4:00
  Honestly,
• 4:03
  the
• 4:03
  kind
• 4:04
  of
• 4:04
  pressure
• 4:04
  that
• 4:04
  you're
• 4:04
  feeling
• 4:05
  wears
• 4:05
  people
• 4:06
  down.
• 4:07
  You're
• 4:08
  not
• 4:08
  alone
• 4:08
  in
• 4:08
  that.
• 4:09
  It's
• 4:09
  affected
• 4:09
  me.
• 4:10
  I
• 4:10
  remember
• 4:10
  when
• 4:10
  my
• 4:10
  boys
• 4:11
  were
• 4:11
  young,
• 4:12
  I
• 4:12
  was
• 4:12
  getting
• 4:12
  paid
• 4:13
  once
• 4:13
  a
• 4:13
  month
• 4:13
  at
• 4:13
  a
• 4:14
  time.
• 4:14
  It
• 4:15
  seemed
• 4:15
  like
• 4:15
  every
• 4:16
  couple
• 4:16
  weeks.
• 4:16
  It
• 4:17
  was
• 4:17
  a
• 4:17
  challenge
• 4:18
  again.
• 4:19
  It
• 4:19
  affected
• 4:19
  my
• 4:20
  emotions,
• 4:20
  it
• 4:21
  affected
• 4:21
  my
• 4:21
  focus,
• 4:22
  it
• 4:22
  affected
• 4:23
  my
• 4:23
  energy.
• 4:24
  And
• 4:24
  yes,
• 4:24
  it
• 4:24
  affected
• 4:25
  my
• 4:25
  hope.
• 4:27
  There
• 4:27
  were
• 4:28
  times
• 4:28
  when
• 4:28
  I
• 4:28
  thought
• 4:28
  I'd
• 4:28
  never
• 4:29
  get
• 4:29
  out
• 4:29
  of
• 4:29
  this.
• 4:30
  And
• 4:31
  it
• 4:31
  wasn't
• 4:31
  just
• 4:31
  about
• 4:32
  numbers.
• 4:32
  It
• 4:32
  was
• 4:33
  that
• 4:33
  constant
• 4:33
  mental
• 4:34
  strain
• 4:34
  of
• 4:34
  wondering
• 4:35
  what
• 4:35
  was
• 4:35
  going
• 4:35
  to
• 4:35
  happen
• 4:36
  next.
• 4:38
  And
• 4:38
  yeah,
• 4:38
  I
• 4:38
  was
• 4:39
  tired.
• 4:40
  And
• 4:40
  as
• 4:41
  I
• 4:41
  read
• 4:41
  your
• 4:41
  voicemail,
• 4:42
  you're
• 4:42
  tired,
• 4:42
  too.
• 4:42
  But
• 4:43
  here's
• 4:43
  the
• 4:43
  thing
• 4:43
  I
• 4:43
  want
• 4:43
  you
• 4:43
  to
• 4:44
  know.
• 4:45
  Being
• 4:45
  tired
• 4:45
  doesn't
• 4:46
  automatically
• 4:47
  mean
• 4:47
  you're
• 4:47
  irresponsible.
• 4:50
  This
• 4:50
  just
• 4:50
  means
• 4:50
  you're
• 4:50
  working
• 4:51
  hard
• 4:52
  and
• 4:52
  feeling
• 4:53
  worn
• 4:53
  down.
• 4:55
  That
• 4:55
  doesn't
• 4:55
  mean
• 4:56
  you're
• 4:56
  failing.
• 4:58
  That
• 4:58
  pressure
• 4:59
  that
• 4:59
  you're
• 4:59
  feeling
• 4:59
  right
• 5:00
  now
• 5:01
  isn't
• 5:01
  proof
• 5:02
  of
• 5:02
  failure.
• 5:05
  Sometimes
• 5:05
  a
• 5:06
  load
• 5:06
  is
• 5:06
  just
• 5:06
  simply
• 5:06
  real.
• 5:07
  It's
• 5:07
  a
• 5:07
  heavy
• 5:07
  load.
• 5:08
  It's
• 5:08
  hard.
• 5:10
  And
• 5:10
  once
• 5:10
  we
• 5:11
  can
• 5:11
  stop
• 5:11
  calling
• 5:12
  this
• 5:12
  personal
• 5:12
  failure,
• 5:14
  we
• 5:15
  can
• 5:15
  start
• 5:15
  responding
• 5:15
  with
• 5:16
  wisdom.
• 5:16
  And
• 5:16
  I'm
• 5:16
  going
• 5:16
  to
• 5:16
  get
• 5:16
  to
• 5:17
  some
• 5:17
  wisdom
• 5:17
  points
• 5:17
  here
• 5:17
  in
• 5:18
  a
• 5:18
  second,
• 5:18
  but
• 5:18
  we've
• 5:18
  got
• 5:18
  to
• 5:18
  stop
• 5:19
  calling
• 5:19
  this
• 5:19
  personal
• 5:20
  failure.
• 5:22
  But
• 5:22
  right
• 5:22
  now,
• 5:23
  we
• 5:23
  got
• 5:24
  to
• 5:24
  focus
• 5:24
  on
• 5:24
  stability
• 5:25
  before
• 5:25
  we
• 5:26
  try
• 5:26
  to
• 5:26
  optimize
• 5:27
  things.
• 5:28
  So
• 5:28
  many
• 5:29
  people
• 5:29
  want
• 5:29
  to
• 5:29
  go
• 5:29
  fix
• 5:30
  everything
• 5:30
  at
• 5:30
  once.
• 5:30
  You
• 5:31
  can't
• 5:31
  do
• 5:31
  that
• 5:32
  in
• 5:33
  hard
• 5:33
  seasons
• 5:33
  like
• 5:33
  you're
• 5:34
  in,
• 5:34
  and
• 5:34
  so
• 5:34
  many
• 5:34
  of
• 5:35
  us
• 5:35
  are
• 5:35
  in
• 5:35
  right
• 5:35
  now.
• 5:36
  The
• 5:36
  goal
• 5:37
  has
• 5:37
  got
• 5:37
  to
• 5:37
  be
• 5:38
  stability
• 5:38
  first.
• 5:40
  Ask
• 5:40
  yourself
• 5:41
  this.
• 5:42
  What
• 5:42
  would
• 5:42
  make
• 5:43
  this
• 5:43
  week
• 5:43
  more
• 5:43
  manageable?
• 5:44
  I'm
• 5:44
  not
• 5:45
  talking
• 5:45
  about
• 5:45
  next
• 5:45
  week.
• 5:46
  I'm
• 5:46
  not
• 5:46
  talking
• 5:46
  about
• 5:47
  next
• 5:47
  month.
• 5:48
  I'm
• 5:48
  talking
• 5:48
  about
• 5:48
  this
• 5:49
  week.
• 5:50
  What
• 5:50
  could
• 5:50
  you
• 5:51
  do
• 5:51
  right
• 5:51
  now
• 5:52
  to
• 5:52
  get
• 5:52
  through
• 5:52
  this
• 5:53
  week?
• 5:54
  And
• 5:55
  maybe
• 5:55
  it's
• 5:55
  even
• 5:55
  more
• 5:56
  dire
• 5:56
  than
• 5:56
  that.
• 5:56
  Maybe
• 5:57
  you
• 5:57
  got
• 5:57
  to
• 5:57
  think
• 5:57
  about,
• 5:58
  what
• 5:58
  would
• 5:58
  it
• 5:58
  take
• 5:59
  to
• 5:59
  make
• 5:59
  the
• 5:59
  next
• 5:59
  few
• 6:00
  days
• 6:00
  more
• 6:01
  predictable?
• 6:03
  I
• 6:04
  remember
• 6:04
  when
• 6:04
  the
• 6:04
  kids
• 6:05
  were
• 6:05
  young,
• 6:06
  we
• 6:06
  would
• 6:07
  sit
• 6:07
  down,
• 6:07
  my
• 6:07
  wife
• 6:07
  and
• 6:07
  I,
• 6:08
  we
• 6:08
  would
• 6:08
  figure
• 6:08
  out,
• 6:08
  how
• 6:09
  do
• 6:09
  we
• 6:09
  cover
• 6:09
  the
• 6:09
  essentials?
• 6:10
  First,
• 6:12
  we
• 6:12
  knew
• 6:12
  we
• 6:12
  had
• 6:12
  to
• 6:13
  feed
• 6:13
  these
• 6:13
  kids.
• 6:13
  We
• 6:13
  knew
• 6:13
  we
• 6:14
  had
• 6:14
  to
• 6:14
  feed
• 6:14
  ourselves.
• 6:14
  What
• 6:15
  were
• 6:15
  the
• 6:15
  bills
• 6:15
  that
• 6:15
  were
• 6:15
  due?
• 6:16
  Next
• 6:16
  was
• 6:16
  the
• 6:16
  light
• 6:16
  bill
• 6:17
  coming
• 6:17
  out?
• 6:17
  Did
• 6:17
  we
• 6:18
  have
• 6:18
  car
• 6:18
  Payments,
• 6:19
  insurance
• 6:19
  payments.
• 6:20
  What
• 6:21
  surprises
• 6:21
  were
• 6:22
  around
• 6:22
  the
• 6:22
  bend?
• 6:24
  Could
• 6:24
  we
• 6:24
  create
• 6:24
  a
• 6:24
  little
• 6:25
  breathing
• 6:25
  room?
• 6:27
  But
• 6:27
  you
• 6:27
  can't
• 6:27
  start
• 6:28
  with
• 6:28
  optimization.
• 6:29
  A
• 6:29
  lot
• 6:29
  of
• 6:29
  people
• 6:29
  want
• 6:30
  to
• 6:30
  jump
• 6:30
  to
• 6:30
  that,
• 6:30
  well,
• 6:30
  let
• 6:30
  me
• 6:30
  fix
• 6:31
  it
• 6:31
  all.
• 6:31
  Let
• 6:31
  me
• 6:31
  build
• 6:31
  this
• 6:32
  budget.
• 6:32
  Let
• 6:32
  me
• 6:32
  do
• 6:33
  this.
• 6:33
  Let
• 6:33
  me
• 6:33
  optimize
• 6:34
  everything.
• 6:34
  No,
• 6:34
  you
• 6:35
  can't
• 6:35
  do
• 6:35
  that.
• 6:35
  You
• 6:36
  got
• 6:36
  to
• 6:36
  start
• 6:36
  with
• 6:36
  stabilizing
• 6:37
  where
• 6:38
  you
• 6:38
  are
• 6:38
  right
• 6:39
  now,
• 6:40
  because
• 6:41
  that
• 6:41
  small
• 6:41
  stability
• 6:42
  is
• 6:42
  still
• 6:43
  progress.
• 6:44
  When
• 6:45
  you
• 6:45
  cover
• 6:45
  your
• 6:45
  bills,
• 6:46
  that
• 6:46
  matters.
• 6:47
  That's
• 6:47
  stability.
• 6:48
  When
• 6:48
  you've
• 6:49
  got
• 6:49
  money
• 6:49
  to
• 6:49
  go
• 6:49
  to
• 6:50
  the
• 6:50
  grocery
• 6:50
  store,
• 6:51
  that
• 6:51
  matters,
• 6:52
  that
• 6:52
  stability.
• 6:53
  And
• 6:53
  as
• 6:53
  you
• 6:54
  start
• 6:54
  to
• 6:54
  predict
• 6:54
  more,
• 6:56
  that
• 6:56
  matters
• 6:56
  as
• 6:57
  well.
• 6:58
  And
• 6:58
  once
• 6:59
  you
• 6:59
  get
• 6:59
  just
• 6:59
  a
• 6:59
  little
• 7:00
  bit
• 7:00
  of
• 7:00
  stability,
• 7:01
  it's
• 7:02
  going
• 7:02
  to
• 7:02
  help
• 7:02
  quiet
• 7:02
  some
• 7:03
  of
• 7:03
  that
• 7:03
  panic
• 7:03
  that
• 7:03
  you
• 7:04
  feel
• 7:04
  in
• 7:04
  your
• 7:04
  mind
• 7:05
  once
• 7:06
  you
• 7:06
  can
• 7:06
  see,
• 7:06
  oh,
• 7:06
  I've
• 7:06
  got
• 7:07
  the
• 7:07
  money
• 7:07
  to
• 7:07
  cover
• 7:07
  the
• 7:07
  groceries,
• 7:08
  the
• 7:08
  electric
• 7:09
  bills
• 7:09
  paid,
• 7:10
  the
• 7:10
  insurance
• 7:10
  bills
• 7:11
  are
• 7:11
  paid,
• 7:11
  and
• 7:11
  maybe
• 7:11
  it's
• 7:12
  a
• 7:12
  struggle
• 7:12
  to
• 7:12
  get
• 7:12
  there,
• 7:13
  but
• 7:13
  once
• 7:14
  you
• 7:14
  start
• 7:14
  to
• 7:14
  build
• 7:15
  in
• 7:15
  that
• 7:15
  stabilization,
• 7:17
  you're
• 7:17
  going
• 7:17
  to
• 7:18
  feel
• 7:18
  better.
• 7:19
  Another
• 7:20
  thing
• 7:20
  you've
• 7:20
  got
• 7:20
  to
• 7:20
  do
• 7:21
  is
• 7:21
  you've
• 7:22
  got
• 7:22
  to
• 7:22
  reduce
• 7:22
  the
• 7:22
  isolation.
• 7:24
  And
• 7:25
  I
• 7:25
  don't
• 7:25
  know
• 7:25
  from
• 7:25
  your
• 7:26
  email,
• 7:26
  but
• 7:27
  a
• 7:27
  lot
• 7:27
  of
• 7:27
  people,
• 7:28
  financial
• 7:28
  stress
• 7:29
  leads
• 7:30
  them
• 7:30
  in
• 7:30
  this
• 7:30
  place
• 7:31
  of
• 7:31
  secrecy.
• 7:31
  They
• 7:32
  don't
• 7:32
  want
• 7:32
  to
• 7:32
  tell
• 7:32
  anybody
• 7:33
  about
• 7:33
  it.
• 7:34
  And
• 7:34
  a
• 7:34
  lot
• 7:35
  of
• 7:35
  people
• 7:35
  carry
• 7:35
  this
• 7:36
  silently.
• 7:37
  But
• 7:38
  I
• 7:38
  want
• 7:38
  to
• 7:38
  encourage
• 7:38
  you
• 7:38
  right
• 7:39
  now,
• 7:40
  go
• 7:40
  find
• 7:40
  one
• 7:41
  safe
• 7:41
  person
• 7:41
  you
• 7:42
  can
• 7:42
  talk
• 7:42
  to.
• 7:43
  Now,
• 7:43
  I'm
• 7:44
  not
• 7:44
  saying
• 7:44
  go
• 7:44
  out
• 7:44
  on
• 7:44
  Facebook
• 7:45
  or
• 7:46
  Instagram
• 7:46
  or
• 7:47
  one
• 7:47
  of
• 7:47
  those
• 7:47
  other
• 7:47
  chat
• 7:48
  messaging
• 7:49
  services
• 7:49
  and
• 7:49
  tell
• 7:49
  everybody,
• 7:50
  oh,
• 7:50
  I'm
• 7:50
  struggling
• 7:50
  right
• 7:51
  now.
• 7:51
  It's
• 7:51
  such
• 7:51
  a
• 7:51
  hard
• 7:51
  time
• 7:52
  that
• 7:52
  that's
• 7:52
  not
• 7:52
  a
• 7:52
  good
• 7:53
  plan.
• 7:54
  Not
• 7:54
  everybody
• 7:55
  needs
• 7:55
  access
• 7:55
  to
• 7:56
  this
• 7:56
  information.
• 7:58
  But
• 7:58
  you
• 7:58
  need
• 7:58
  somebody
• 7:59
  right
• 7:59
  now
• 7:59
  that
• 7:59
  you
• 7:59
  can
• 8:00
  trust,
• 8:01
  somebody
• 8:02
  that
• 8:02
  is
• 8:02
  trustworthy,
• 8:03
  that
• 8:04
  can
• 8:04
  help
• 8:04
  you.
• 8:04
  Like,
• 8:04
  for
• 8:05
  example,
• 8:06
  when
• 8:06
  the
• 8:06
  kids
• 8:06
  were
• 8:07
  younger,
• 8:07
  my
• 8:07
  wife
• 8:08
  and
• 8:08
  I
• 8:08
  would
• 8:08
  sit
• 8:08
  down
• 8:09
  at
• 8:09
  the
• 8:09
  kitchen
• 8:09
  table
• 8:09
  some
• 8:10
  nights
• 8:10
  and
• 8:10
  we
• 8:10
  would
• 8:11
  just
• 8:11
  try
• 8:11
  to
• 8:11
  figure
• 8:12
  this
• 8:12
  out
• 8:12
  together.
• 8:12
  It
• 8:12
  was
• 8:13
  hard,
• 8:14
  but
• 8:14
  it
• 8:14
  was
• 8:15
  so
• 8:15
  much
• 8:15
  easier
• 8:15
  when
• 8:15
  I
• 8:16
  had
• 8:16
  somebody
• 8:16
  there
• 8:16
  with
• 8:17
  me.
• 8:18
  Maybe
• 8:18
  you've
• 8:18
  got
• 8:19
  a
• 8:19
  trusted
• 8:19
  friend
• 8:19
  you
• 8:20
  can
• 8:20
  count
• 8:20
  on,
• 8:20
  a
• 8:20
  pastor.
• 8:21
  Now,
• 8:21
  this
• 8:21
  isn't
• 8:21
  a
• 8:22
  person
• 8:22
  to
• 8:22
  come
• 8:22
  bail
• 8:23
  you
• 8:23
  out.
• 8:23
  This
• 8:23
  isn't
• 8:24
  a
• 8:24
  person
• 8:24
  to
• 8:24
  say
• 8:25
  to
• 8:25
  you,
• 8:25
  hey,
• 8:26
  this
• 8:26
  is
• 8:26
  the
• 8:26
  person
• 8:26
  that
• 8:27
  is
• 8:27
  your
• 8:27
  encourager.
• 8:28
  Somebody
• 8:29
  who's
• 8:29
  wise,
• 8:29
  maybe
• 8:30
  can
• 8:30
  help
• 8:30
  you
• 8:30
  set
• 8:30
  up
• 8:31
  some
• 8:31
  ideas.
• 8:31
  Maybe
• 8:32
  you've
• 8:32
  got
• 8:32
  a
• 8:32
  financially
• 8:33
  mature
• 8:33
  mentor
• 8:34
  that
• 8:34
  you
• 8:34
  can
• 8:34
  just
• 8:35
  bounce
• 8:35
  ideas
• 8:36
  off
• 8:36
  of.
• 8:37
  Because
• 8:37
  one
• 8:38
  thing
• 8:38
  I
• 8:38
  do
• 8:38
  know
• 8:39
  is
• 8:40
  that
• 8:40
  shame
• 8:40
  will
• 8:41
  grow
• 8:41
  in
• 8:41
  secrecy.
• 8:43
  And
• 8:43
  right
• 8:43
  now
• 8:44
  you
• 8:44
  don't
• 8:44
  need
• 8:44
  more
• 8:44
  hiding.
• 8:45
  You
• 8:46
  just
• 8:46
  need
• 8:46
  some
• 8:46
  support.
• 8:48
  The
• 8:48
  Bible
• 8:48
  talks
• 8:49
  about
• 8:49
  this
• 8:49
  all
• 8:49
  the
• 8:49
  time.
• 8:50
  That
• 8:50
  fear
• 8:50
  grows
• 8:51
  in
• 8:51
  darkness,
• 8:53
  but
• 8:53
  clarity
• 8:54
  grows
• 8:55
  in
• 8:55
  the
• 8:55
  light.
• 8:55
  And
• 8:56
  if
• 8:56
  you
• 8:56
  need
• 8:56
  clarity,
• 8:56
  that's
• 8:57
  what
• 8:57
  you've
• 8:57
  got
• 8:57
  to
• 8:57
  do.
• 8:57
  Now,
• 8:58
  I
• 8:58
  want
• 8:58
  to
• 8:58
  make
• 8:58
  this
• 8:58
  practical
• 8:59
  because
• 9:00
  encouragement
• 9:00
  matters.
• 9:01
  And
• 9:01
  you
• 9:01
  notice
• 9:01
  I
• 9:01
  started
• 9:02
  with
• 9:02
  encouragement.
• 9:03
  Find
• 9:04
  one
• 9:04
  thing
• 9:04
  to
• 9:04
  do
• 9:04
  this
• 9:05
  week.
• 9:05
  Find
• 9:05
  somebody
• 9:06
  to
• 9:06
  help
• 9:06
  you.
• 9:06
  But
• 9:07
  structure
• 9:07
  helps,
• 9:08
  too.
• 9:09
  So
• 9:09
  I'm
• 9:09
  going
• 9:09
  to
• 9:09
  encourage
• 9:10
  you
• 9:10
  right
• 9:10
  now
• 9:10
  to
• 9:10
  create
• 9:11
  one
• 9:11
  small
• 9:11
  area
• 9:12
  that
• 9:12
  you
• 9:12
  can
• 9:12
  control.
• 9:14
  When
• 9:14
  money
• 9:14
  feels
• 9:15
  chaotic,
• 9:16
  when
• 9:16
  it
• 9:16
  seems
• 9:16
  like
• 9:17
  everything
• 9:17
  is
• 9:17
  out
• 9:17
  of
• 9:18
  control,
• 9:19
  you've
• 9:19
  got
• 9:19
  to
• 9:19
  be
• 9:19
  able
• 9:20
  to
• 9:20
  fall
• 9:20
  back
• 9:20
  on
• 9:21
  one
• 9:21
  repeatable
• 9:22
  system.
• 9:22
  I've
• 9:23
  talked
• 9:23
  about
• 9:23
  the
• 9:23
  weekly
• 9:24
  money
• 9:24
  check
• 9:24
  in.
• 9:25
  I
• 9:25
  think
• 9:25
  that's
• 9:25
  a
• 9:25
  great
• 9:25
  idea
• 9:27
  because
• 9:27
  you
• 9:27
  can't
• 9:27
  overhaul
• 9:28
  everything.
• 9:28
  So
• 9:29
  just
• 9:29
  pick
• 9:29
  one
• 9:29
  thing
• 9:30
  that
• 9:30
  brings
• 9:30
  clarity
• 9:31
  to
• 9:31
  your
• 9:31
  life.
• 9:33
  We've
• 9:33
  talked
• 9:33
  about
• 9:33
  this
• 9:33
  on
• 9:34
  the
• 9:34
  show
• 9:34
  before.
• 9:34
  Maybe
• 9:35
  that
• 9:35
  one
• 9:35
  automatic
• 9:36
  transfer.
• 9:37
  I'm
• 9:37
  going
• 9:37
  to
• 9:37
  put
• 9:37
  so
• 9:37
  much
• 9:38
  in
• 9:38
  my
• 9:39
  savings
• 9:39
  account
• 9:39
  each
• 9:40
  week
• 9:40
  because
• 9:40
  I
• 9:40
  want
• 9:40
  to
• 9:40
  make
• 9:40
  sure
• 9:41
  I've
• 9:41
  got
• 9:41
  that
• 9:41
  margin.
• 9:42
  Maybe
• 9:43
  you've
• 9:43
  got
• 9:43
  that
• 9:43
  category.
• 9:44
  That's
• 9:44
  a
• 9:44
  problem
• 9:45
  category.
• 9:45
  You
• 9:45
  put
• 9:45
  that
• 9:46
  cap
• 9:46
  on
• 9:46
  it,
• 9:47
  maybe
• 9:48
  enjoy
• 9:48
  eating
• 9:48
  out,
• 9:49
  but
• 9:49
  instead
• 9:49
  you're
• 9:49
  building
• 9:50
  that
• 9:50
  weekly
• 9:50
  meal
• 9:51
  plan
• 9:51
  that
• 9:51
  you
• 9:51
  can
• 9:51
  plan
• 9:52
  out
• 9:52
  your
• 9:52
  meals,
• 9:53
  you
• 9:53
  can
• 9:53
  put
• 9:53
  it
• 9:53
  together
• 9:54
  to
• 9:54
  go
• 9:54
  to
• 9:54
  the
• 9:54
  grocery
• 9:55
  store
• 9:55
  so
• 9:55
  you
• 9:55
  don't
• 9:55
  spend
• 9:56
  money
• 9:56
  ordering
• 9:57
  out
• 9:57
  or
• 9:57
  going
• 9:57
  out
• 9:57
  to
• 9:58
  eat.
• 9:59
  Maybe
• 10:00
  that
• 10:00
  one
• 10:00
  bill
• 10:00
  check
• 10:00
  in
• 10:01
  time
• 10:01
  like
• 10:01
  we
• 10:01
  talked
• 10:01
  about
• 10:01
  that
• 10:02
  weekly
• 10:02
  meeting.
• 10:04
  And
• 10:04
  maybe
• 10:04
  this
• 10:04
  week
• 10:04
  you've
• 10:05
  got
• 10:05
  to
• 10:05
  put
• 10:05
  in
• 10:05
  that
• 10:05
  no
• 10:05
  spend
• 10:06
  rule.
• 10:07
  Like,
• 10:07
  things
• 10:07
  are
• 10:07
  just
• 10:08
  too
• 10:08
  tight
• 10:08
  this
• 10:08
  week.
• 10:09
  We
• 10:09
  can't
• 10:09
  spend
• 10:09
  anything
• 10:10
  extra
• 10:10
  this
• 10:11
  week.
• 10:12
  But
• 10:12
  when
• 10:12
  you
• 10:13
  have
• 10:13
  that
• 10:13
  one
• 10:13
  structure,
• 10:14
  just
• 10:15
  that
• 10:15
  one
• 10:15
  little
• 10:16
  kernel
• 10:16
  of
• 10:16
  structure,
• 10:17
  it
• 10:18
  can
• 10:18
  come
• 10:19
  a
• 10:19
  ton
• 10:19
  of
• 10:19
  chaos.
• 10:21
  That
• 10:21
  one
• 10:21
  routine
• 10:22
  can
• 10:22
  reduce
• 10:22
  stress.
• 10:23
  And
• 10:24
  you'll
• 10:24
  see
• 10:24
  that
• 10:26
  that
• 10:26
  Chinese
• 10:27
  structure
• 10:27
  can
• 10:27
  calm
• 10:28
  big
• 10:28
  chaos
• 10:30
  because
• 10:30
  you
• 10:30
  can't
• 10:30
  control
• 10:31
  everything,
• 10:32
  but
• 10:32
  you
• 10:32
  can
• 10:33
  control
• 10:33
  something.
• 10:35
  And
• 10:35
  when
• 10:35
  you
• 10:35
  can
• 10:35
  control
• 10:36
  something,
• 10:36
  it
• 10:36
  helps
• 10:37
  to
• 10:37
  reduce
• 10:37
  your
• 10:37
  stress.
• 10:39
  And
• 10:40
  underneath
• 10:40
  of
• 10:40
  all
• 10:40
  of
• 10:41
  this,
• 10:41
  there's
• 10:42
  one
• 10:42
  more
• 10:42
  thing
• 10:43
  we've
• 10:43
  got
• 10:43
  to
• 10:43
  protect.
• 10:45
  We
• 10:45
  got
• 10:46
  to
• 10:46
  protect
• 10:46
  your
• 10:46
  identity.
• 10:48
  And
• 10:48
  this
• 10:48
  is
• 10:48
  where
• 10:48
  it
• 10:49
  goes
• 10:49
  deeper
• 10:49
  spiritually.
• 10:50
  This
• 10:50
  is
• 10:50
  why
• 10:50
  we
• 10:50
  do
• 10:50
  this
• 10:51
  show.
• 10:51
  It's
• 10:52
  that
• 10:52
  faith
• 10:52
  and
• 10:53
  finance
• 10:53
  connection.
• 10:54
  People
• 10:55
  in
• 10:55
  hard
• 10:55
  financial
• 10:56
  seasons
• 10:57
  often
• 10:57
  start
• 10:57
  attaching
• 10:58
  their
• 10:58
  worth
• 10:58
  to
• 10:58
  their
• 10:59
  bank
• 10:59
  balance.
• 11:00
  They
• 11:01
  look
• 11:01
  at
• 11:01
  that
• 11:01
  bank
• 11:01
  bounce
• 11:01
  and
• 11:02
  they
• 11:02
  go,
• 11:02
  I'm
• 11:02
  a
• 11:02
  failure.
• 11:04
  I'm
• 11:04
  never
• 11:04
  going
• 11:04
  to
• 11:04
  get
• 11:04
  ahead.
• 11:05
  I'm
• 11:05
  not
• 11:05
  good
• 11:05
  with
• 11:05
  the
• 11:05
  money.
• 11:07
  And
• 11:07
  when
• 11:07
  you
• 11:07
  start
• 11:07
  to
• 11:08
  feel
• 11:08
  that,
• 11:08
  you've
• 11:08
  got
• 11:08
  to
• 11:08
  push
• 11:09
  back
• 11:09
  against
• 11:09
  that
• 11:10
  right
• 11:10
  away.
• 11:12
  Income
• 11:12
  is
• 11:12
  a
• 11:13
  tool.
• 11:13
  It's
• 11:14
  not
• 11:14
  your
• 11:14
  identity.
• 11:16
  Your
• 11:16
  personal
• 11:17
  worth
• 11:17
  hasn't
• 11:17
  gone
• 11:18
  down
• 11:18
  because
• 11:18
  money
• 11:18
  feels
• 11:19
  tight.
• 11:20
  That
• 11:21
  hard
• 11:21
  season
• 11:21
  is
• 11:22
  real,
• 11:22
  but
• 11:23
  it's
• 11:23
  not
• 11:23
  a
• 11:23
  permanent
• 11:24
  definition
• 11:24
  of
• 11:24
  who
• 11:24
  you
• 11:25
  are,
• 11:26
  friend.
• 11:26
  You're
• 11:27
  still
• 11:27
  made
• 11:27
  in
• 11:27
  the
• 11:27
  image
• 11:27
  of
• 11:28
  God,
• 11:29
  and
• 11:30
  you
• 11:30
  can
• 11:30
  be
• 11:30
  under
• 11:30
  pressure
• 11:31
  and
• 11:31
  you
• 11:31
  can
• 11:31
  still
• 11:32
  be
• 11:32
  walking
• 11:32
  faithfully
• 11:34
  again.
• 11:35
  Your
• 11:35
  worth
• 11:35
  isn't
• 11:36
  your
• 11:36
  bank
• 11:36
  balance.
• 11:37
  So
• 11:38
  don't
• 11:38
  let
• 11:38
  a
• 11:38
  strange
• 11:38
  season
• 11:39
  start
• 11:39
  naming
• 11:40
  you.
• 11:41
  But
• 11:41
  I
• 11:42
  want
• 11:42
  to
• 11:42
  take
• 11:42
  this
• 11:42
  a
• 11:42
  little
• 11:42
  deeper
• 11:44
  because
• 11:44
  what
• 11:44
  may
• 11:45
  be
• 11:45
  exhausting
• 11:45
  you
• 11:46
  the
• 11:46
  most
• 11:46
  isn't
• 11:46
  just
• 11:47
  the
• 11:47
  financial
• 11:47
  pressure.
• 11:49
  The
• 11:49
  math
• 11:49
  side
• 11:49
  of
• 11:50
  it,
• 11:51
  that's
• 11:51
  stressful,
• 11:53
  but
• 11:53
  it's
• 11:53
  the
• 11:53
  feeling
• 11:54
  that
• 11:54
  no
• 11:54
  matter
• 11:54
  how
• 11:55
  hard
• 11:55
  you
• 11:55
  work,
• 11:57
  you
• 11:57
  can
• 11:57
  never
• 11:57
  fully
• 11:58
  relax.
• 12:00
  And
• 12:00
  that
• 12:01
  kind
• 12:01
  of
• 12:01
  pressure,
• 12:01
  if
• 12:01
  you're
• 12:01
  living
• 12:02
  in
• 12:02
  that
• 12:02
  pressure
• 12:02
  cooker
• 12:04
  that
• 12:04
  can
• 12:04
  slowly
• 12:05
  wear
• 12:05
  you
• 12:05
  down.
• 12:07
  It
• 12:07
  will
• 12:07
  remove
• 12:07
  your
• 12:07
  hope,
• 12:08
  it'll
• 12:08
  remove
• 12:09
  your
• 12:09
  confidence.
• 12:10
  And
• 12:10
  like
• 12:10
  we
• 12:10
  talked
• 12:11
  about
• 12:11
  a
• 12:11
  minute
• 12:11
  ago,
• 12:12
  it
• 12:12
  even
• 12:13
  affects
• 12:13
  your
• 12:14
  sense
• 12:14
  of
• 12:14
  dignity.
• 12:17
  But
• 12:17
  friend,
• 12:17
  that's
• 12:17
  not
• 12:17
  how
• 12:18
  God
• 12:18
  sees
• 12:18
  you.
• 12:20
  You're
• 12:20
  not
• 12:20
  less
• 12:20
  valuable
• 12:21
  because
• 12:21
  this
• 12:21
  season
• 12:22
  is
• 12:22
  hard
• 12:22
  in
• 12:22
  your
• 12:23
  life.
• 12:24
  You're
• 12:24
  not
• 12:24
  abandoned
• 12:25
  by
• 12:25
  God
• 12:25
  because
• 12:26
  provision
• 12:26
  feels
• 12:27
  tight
• 12:27
  right
• 12:27
  now.
• 12:27
  And
• 12:28
  you're
• 12:28
  not
• 12:28
  failing
• 12:29
  simply
• 12:29
  because
• 12:30
  life
• 12:30
  feels
• 12:30
  exhausting
• 12:31
  right
• 12:31
  now.
• 12:33
  Sometimes
• 12:34
  faith
• 12:34
  isn't
• 12:35
  pretending
• 12:35
  everything
• 12:36
  is
• 12:36
  fine.
• 12:38
  Sometimes
• 12:38
  faith
• 12:38
  is
• 12:39
  bringing
• 12:39
  your
• 12:39
  real
• 12:39
  wariness
• 12:40
  to
• 12:40
  God
• 12:40
  and
• 12:40
  just
• 12:41
  choosing
• 12:41
  to
• 12:41
  trust
• 12:41
  him
• 12:42
  while
• 12:42
  you
• 12:43
  take
• 12:43
  that
• 12:43
  next
• 12:43
  wise
• 12:44
  step,
• 12:46
  maybe
• 12:46
  just
• 12:47
  reach
• 12:47
  out
• 12:47
  in
• 12:47
  prayer
• 12:47
  and
• 12:47
  say,
• 12:47
  lord,
• 12:48
  help
• 12:48
  me
• 12:48
  remember
• 12:48
  that
• 12:48
  this
• 12:49
  struggle
• 12:49
  isn't
• 12:49
  my
• 12:50
  identity
• 12:51
  and
• 12:51
  just
• 12:52
  give
• 12:52
  me
• 12:52
  wisdom
• 12:52
  for
• 12:53
  that
• 12:53
  next
• 12:53
  step.
• 12:55
  Well,
• 12:55
  let's
• 12:55
  get
• 12:55
  to
• 12:56
  our
• 12:56
  win
• 12:56
  for
• 12:56
  today.
• 12:56
  I
• 12:57
  want
• 12:57
  to
• 12:57
  keep
• 12:57
  this
• 12:57
  very
• 12:58
  simple
• 12:58
  today.
• 12:59
  I
• 12:59
  want
• 12:59
  to
• 12:59
  encourage
• 13:00
  you
• 13:00
  to
• 13:00
  write
• 13:00
  down
• 13:00
  one
• 13:01
  expense
• 13:01
  that
• 13:01
  causes
• 13:02
  the
• 13:02
  most
• 13:02
  weekly
• 13:03
  stress.
• 13:04
  Just
• 13:05
  that
• 13:05
  one.
• 13:05
  Maybe
• 13:06
  it's
• 13:06
  groceries,
• 13:07
  maybe
• 13:07
  it's
• 13:08
  that
• 13:08
  eating
• 13:08
  out
• 13:08
  budget.
• 13:09
  And
• 13:10
  I
• 13:10
  want
• 13:10
  you
• 13:10
  to
• 13:10
  focus
• 13:10
  this
• 13:11
  week
• 13:11
  on
• 13:11
  that.
• 13:13
  What's
• 13:13
  one
• 13:13
  action
• 13:14
  that
• 13:14
  would
• 13:14
  make
• 13:14
  this
• 13:15
  category
• 13:15
  more
• 13:15
  predictable?
• 13:17
  Just
• 13:17
  think
• 13:17
  in
• 13:17
  your
• 13:18
  mind
• 13:18
  that
• 13:18
  one
• 13:18
  expense
• 13:19
  that's
• 13:19
  a
• 13:19
  struggle
• 13:20
  for
• 13:20
  you.
• 13:21
  What
• 13:21
  can
• 13:21
  you
• 13:22
  do
• 13:22
  to
• 13:22
  make
• 13:22
  it
• 13:22
  more
• 13:22
  predictable
• 13:23
  and
• 13:23
  make
• 13:23
  it
• 13:23
  easier?
• 13:25
  Don't
• 13:25
  try
• 13:25
  to
• 13:25
  fix
• 13:26
  everything
• 13:26
  this
• 13:26
  week.
• 13:27
  Just
• 13:28
  make
• 13:28
  one
• 13:28
  area
• 13:29
  less
• 13:29
  chaotic
• 13:30
  and
• 13:30
  you'll
• 13:30
  see
• 13:31
  this
• 13:31
  will
• 13:32
  truly
• 13:32
  change
• 13:33
  your
• 13:33
  feeling
• 13:33
  and
• 13:33
  you
• 13:34
  won't
• 13:34
  feel
• 13:34
  that
• 13:34
  stress
• 13:34
  as
• 13:35
  much.
• 13:36
  Let's
• 13:36
  get
• 13:37
  to
• 13:37
  our
• 13:37
  Bible
• 13:37
  verse
• 13:37
  today.
• 13:38
  Our
• 13:38
  Bible
• 13:38
  verse
• 13:39
  comes
• 13:39
  from
• 13:39
  the
• 13:39
  book
• 13:39
  of
• 13:39
  Isaiah,
• 13:40
  chapter
• 13:40
  chapter
• 13:41
  41,
• 13:41
  verse
• 13:42
  10.
• 13:42
  And
• 13:42
  it
• 13:43
  says
• 13:43
  this
• 13:44
  so
• 13:44
  do
• 13:44
  not
• 13:45
  fear,
• 13:46
  for
• 13:46
  I
• 13:46
  am
• 13:47
  with
• 13:47
  you.
• 13:48
  Do
• 13:48
  not
• 13:48
  be
• 13:49
  dismayed,
• 13:50
  for
• 13:50
  I
• 13:50
  am
• 13:51
  your
• 13:51
  God.
• 13:52
  I
• 13:53
  will
• 13:53
  strengthen
• 13:53
  you
• 13:53
  and
• 13:54
  help
• 13:54
  you.
• 13:55
  I
• 13:55
  will
• 13:55
  uphold
• 13:56
  you
• 13:56
  with
• 13:56
  my
• 13:56
  righteous
• 13:57
  right
• 13:57
  hand.
• 13:59
  What
• 13:59
  a
• 13:59
  reassuring
• 14:00
  Bible
• 14:01
  verse
• 14:01
  today.
• 14:02
  Because
• 14:03
  God
• 14:03
  remains
• 14:03
  near
• 14:04
  to
• 14:04
  us
• 14:04
  even
• 14:05
  in
• 14:05
  those
• 14:05
  exhausting
• 14:06
  seasons
• 14:06
  when
• 14:07
  you
• 14:07
  feel
• 14:07
  emotionally
• 14:08
  and
• 14:09
  financially
• 14:09
  worn
• 14:10
  down.
• 14:11
  He's
• 14:11
  right
• 14:12
  there
• 14:12
  with
• 14:12
  you,
• 14:12
  my
• 14:12
  friend.
• 14:13
  How
• 14:14
  about
• 14:14
  we
• 14:14
  pray
• 14:14
  together?
• 14:16
  Heavenly
• 14:17
  Father,
• 14:18
  I
• 14:18
  lift
• 14:18
  up
• 14:18
  the
• 14:18
  person
• 14:19
  who
• 14:19
  feels
• 14:19
  exhausted
• 14:20
  from
• 14:20
  constantly
• 14:21
  trying
• 14:21
  to
• 14:21
  stay
• 14:22
  afloat.
• 14:23
  You
• 14:24
  see
• 14:24
  that
• 14:24
  pressure?
• 14:25
  You
• 14:25
  see
• 14:26
  that
• 14:26
  what
• 14:26
  they're
• 14:26
  carrying
• 14:27
  every
• 14:27
  single
• 14:27
  day.
• 14:28
  That
• 14:28
  quiet
• 14:28
  stress,
• 14:29
  that
• 14:29
  mental
• 14:30
  fatigue,
• 14:31
  that
• 14:31
  constant
• 14:32
  fear
• 14:32
  of
• 14:32
  falling
• 14:33
  behind.
• 14:34
  Lord,
• 14:34
  right
• 14:35
  now
• 14:35
  I
• 14:35
  just
• 14:35
  ask
• 14:35
  that
• 14:35
  you
• 14:35
  would
• 14:36
  bring
• 14:36
  peace
• 14:36
  to
• 14:36
  their
• 14:36
  mind
• 14:37
  where
• 14:37
  anxiety
• 14:38
  has
• 14:38
  taken
• 14:38
  over.
• 14:40
  And
• 14:40
  Lord,
• 14:40
  strengthen
• 14:41
  them
• 14:41
  emotionally,
• 14:42
  strengthen
• 14:42
  them
• 14:43
  financially,
• 14:43
  and
• 14:44
  yes,
• 14:44
  strengthen
• 14:44
  us
• 14:44
  all
• 14:45
  spiritually
• 14:45
  in
• 14:46
  this
• 14:46
  season.
• 14:47
  Help
• 14:47
  us
• 14:48
  all
• 14:48
  to
• 14:48
  take
• 14:48
  wise
• 14:49
  steps
• 14:49
  forward
• 14:49
  without
• 14:50
  losing
• 14:50
  hope
• 14:50
  in
• 14:50
  the
• 14:51
  process.
• 14:52
  And
• 14:53
  remind
• 14:53
  all
• 14:53
  of
• 14:53
  us
• 14:54
  that
• 14:55
  our
• 14:55
  worth
• 14:55
  is
• 14:55
  secure
• 14:56
  in
• 14:56
  you,
• 14:56
  Lord,
• 14:56
  even
• 14:57
  when
• 14:57
  life
• 14:57
  feels
• 14:58
  unstable
• 14:58
  around
• 14:59
  us.
• 15:00
  Give
• 15:00
  us
• 15:00
  clarity
• 15:01
  to
• 15:01
  do
• 15:01
  what
• 15:01
  to
• 15:02
  do
• 15:02
  next.
• 15:03
  Give
• 15:03
  us
• 15:04
  discipline
• 15:04
  for
• 15:04
  the
• 15:04
  steps
• 15:05
  in
• 15:05
  front
• 15:05
  of
• 15:05
  us.
• 15:06
  And
• 15:06
  Lord,
• 15:06
  give
• 15:07
  us
• 15:07
  all
• 15:07
  courage
• 15:07
  to
• 15:07
  keep
• 15:08
  going.
• 15:09
  And
• 15:09
  we
• 15:09
  ask
• 15:09
  this
• 15:10
  in
• 15:10
  Jesus
• 15:10
  name.
• 15:12
  Amen.
• 15:15
  Friend,
• 15:15
  you
• 15:15
  may
• 15:15
  be
• 15:15
  carrying
• 15:16
  more
• 15:16
  than
• 15:16
  most
• 15:16
  people
• 15:17
  realize,
• 15:18
  and
• 15:19
  by
• 15:19
  God's
• 15:19
  grace,
• 15:21
  you're
• 15:21
  still
• 15:21
  standing.
• 15:23
  So
• 15:24
  don't
• 15:24
  confuse
• 15:24
  a
• 15:24
  hard
• 15:24
  season
• 15:25
  with
• 15:25
  a
• 15:25
  hopeless
• 15:26
  future.
• 15:27
  And
• 15:27
  if
• 15:27
  you've
• 15:28
  got
• 15:28
  a
• 15:28
  question
• 15:28
  you
• 15:28
  want
• 15:28
  me
• 15:29
  to
• 15:29
  cover
• 15:29
  on
• 15:29
  a
• 15:29
  future
• 15:29
  episode,
• 15:30
  I
• 15:30
  want
• 15:30
  to
• 15:30
  encourage
• 15:30
  you
• 15:30
  right
• 15:31
  now.
• 15:31
  Go
• 15:31
  to
• 15:31
  financiallyconfidentchristian.com/question
• 15:36
  We'll
• 15:36
  put
• 15:36
  that
• 15:36
  in
• 15:37
  the
• 15:37
  show
• 15:37
  notes,
• 15:37
  but
• 15:37
  I
• 15:37
  would
• 15:38
  love
• 15:38
  to
• 15:38
  hear
• 15:38
  from
• 15:38
  you
• 15:38
  questions
• 15:39
  just
• 15:39
  like
• 15:39
  this
• 15:40
  financiallyconfidentchristian.com/question
• 15:45
  I
• 15:45
  just
• 15:45
  want
• 15:45
  to
• 15:46
  thank
• 15:46
  you
• 15:46
  so
• 15:46
  much
• 15:46
  for
• 15:46
  joining
• 15:47
  me
• 15:47
  today.
• 15:47
  And
• 15:47
  remember,
• 15:48
  this
• 15:49
  financial
• 15:50
  confidence
• 15:50
  begins
• 15:51
  with
• 15:51
  faithful
• 15:51
  stewardship.
• 15:53
  So
• 15:53
  stay
• 15:53
  financially
• 15:54
  savvy.
• 15:54
  May
• 15:55
  God
• 15:55
  bless
• 15:55
  you
• 15:56
  and
• 15:56
  you
• 15:57
  have
• 15:57
  a
• 15:57
  great
• 15:57
  day.