Latest / Becoming Financially Confident / Why Do I Keep Saying ‘I’ll Do It Later?'

Transcript

Why Do I Keep Saying ‘I’ll Do It Later?' · Becoming Financially Confident

• 1:20
  Ralph,
• 1:21
  I
• 1:21
  keep
• 1:21
  putting
• 1:21
  off
• 1:21
  money
• 1:21
  tasks.
• 1:22
  How
• 1:22
  do
• 1:23
  I
• 1:23
  break
• 1:23
  that?
• 1:23
  I'll
• 1:23
  do
• 1:24
  it
• 1:24
  later.
• 1:24
  Habit.
• 1:25
  What
• 1:26
  a
• 1:26
  great
• 1:26
  question.
• 1:27
  An
• 1:28
  abion
• 1:28
  producer
• 1:29
  found
• 1:29
  us
• 1:29
  some
• 1:29
  statistics
• 1:30
  for
• 1:30
  this
• 1:30
  because
• 1:30
  I
• 1:30
  said,
• 1:30
  I
• 1:30
  bet
• 1:31
  this
• 1:31
  is
• 1:31
  a
• 1:31
  chronic
• 1:31
  issue.
• 1:33
  20%
• 1:33
  of
• 1:34
  US
• 1:34
  adults
• 1:34
  are
• 1:35
  chronic
• 1:35
  procrastinators.
• 1:36
  I
• 1:36
  honestly
• 1:36
  thought
• 1:36
  that
• 1:36
  number
• 1:37
  would
• 1:37
  be
• 1:37
  higher.
• 1:39
  And
• 1:39
  a
• 1:39
  2024
• 1:40
  survey
• 1:41
  found
• 1:41
  that
• 1:41
  71%
• 1:42
  of
• 1:42
  Americans
• 1:43
  admit
• 1:43
  to
• 1:43
  procrastinating.
• 1:44
  Now,
• 1:44
  that's
• 1:44
  a
• 1:45
  number
• 1:45
  I
• 1:45
  believed
• 1:45
  in.
• 1:47
  And
• 1:47
  for
• 1:47
  so
• 1:47
  many
• 1:47
  of
• 1:47
  us,
• 1:48
  me
• 1:48
  mean
• 1:48
  well,
• 1:49
  maybe
• 1:49
  we
• 1:49
  pray
• 1:50
  about
• 1:50
  it.
• 1:51
  But
• 1:51
  the
• 1:51
  to
• 1:51
  do
• 1:51
  list
• 1:52
  keeps
• 1:52
  winning.
• 1:53
  You
• 1:54
  don't
• 1:54
  lack
• 1:54
  discipline.
• 1:55
  You're
• 1:55
  fighting
• 1:56
  fear
• 1:56
  and
• 1:56
  you're
• 1:56
  fighting
• 1:57
  perfection.
• 1:57
  That's
• 1:57
  what
• 1:57
  a
• 1:57
  lot
• 1:58
  of
• 1:58
  this
• 1:58
  is.
• 1:59
  And
• 1:59
  the
• 1:59
  cure
• 1:59
  for
• 2:00
  that
• 2:00
  isn't
• 2:00
  pressure.
• 2:01
  It's
• 2:02
  movement.
• 2:03
  Because
• 2:03
  when
• 2:03
  you
• 2:03
  say
• 2:03
  later,
• 2:05
  listen,
• 2:05
  I
• 2:05
  remember
• 2:05
  when
• 2:05
  my
• 2:06
  kids
• 2:06
  were
• 2:06
  real
• 2:06
  young.
• 2:06
  I'll
• 2:07
  do
• 2:07
  that
• 2:07
  later.
• 2:07
  I'll
• 2:07
  do
• 2:07
  that
• 2:07
  later.
• 2:08
  But
• 2:09
  that
• 2:09
  later
• 2:09
  is
• 2:09
  where
• 2:09
  good
• 2:10
  intentions
• 2:10
  go
• 2:10
  to
• 2:10
  die.
• 2:12
  And
• 2:12
  10
• 2:13
  minutes
• 2:13
  today
• 2:13
  beats
• 2:13
  10
• 2:14
  excuses
• 2:14
  tomorrow.
• 2:15
  You
• 2:16
  don't
• 2:16
  have
• 2:16
  to
• 2:16
  fix
• 2:16
  everything.
• 2:17
  You
• 2:17
  just
• 2:17
  have
• 2:17
  to
• 2:17
  start
• 2:18
  something.
• 2:18
  Let's
• 2:18
  talk
• 2:18
  about
• 2:19
  starting
• 2:19
  something
• 2:20
  on
• 2:20
  today's
• 2:20
  show.
• 2:42
  Hello
• 2:42
  and
• 2:42
  welcome.
• 2:43
  I'm
• 2:43
  Ralph.
• 2:43
  Thank
• 2:43
  you
• 2:43
  for
• 2:43
  joining
• 2:44
  me
• 2:44
  today
• 2:44
  on
• 2:44
  Financially
• 2:45
  Confident
• 2:45
  Christian.
• 2:46
  This
• 2:46
  is
• 2:46
  the
• 2:46
  Daily
• 2:47
  show
• 2:47
  that
• 2:47
  my
• 2:47
  whole
• 2:48
  goal
• 2:48
  is
• 2:48
  to
• 2:48
  help
• 2:49
  you
• 2:49
  break
• 2:49
  that
• 2:49
  cycle
• 2:50
  of
• 2:50
  financial
• 2:50
  shame
• 2:51
  and
• 2:51
  live
• 2:51
  in
• 2:52
  confidence.
• 2:53
  And
• 2:53
  here's
• 2:53
  a
• 2:53
  big
• 2:54
  takeaway
• 2:54
  for
• 2:54
  today.
• 2:55
  I
• 2:55
  coach
• 2:55
  what
• 2:55
  I
• 2:56
  call
• 2:56
  micro
• 2:56
  moves.
• 2:57
  Those
• 2:57
  are
• 2:57
  the
• 2:57
  tiny
• 2:58
  actions
• 2:58
  that
• 2:58
  turn
• 2:58
  stuck
• 2:59
  energy
• 2:59
  into
• 2:59
  progress.
• 3:00
  And
• 3:01
  believe
• 3:01
  me,
• 3:01
  like
• 3:02
  you,
• 3:02
  I
• 3:02
  fight
• 3:03
  perfectionism,
• 3:03
  too.
• 3:04
  I
• 3:04
  believe
• 3:04
  I
• 3:05
  can
• 3:05
  do
• 3:05
  it
• 3:05
  all
• 3:05
  in
• 3:05
  perfection.
• 3:05
  But
• 3:06
  guess
• 3:06
  what?
• 3:06
  I.
• 3:07
  I
• 3:07
  can't.
• 3:08
  And
• 3:08
  the
• 3:09
  antidate
• 3:09
  isn't
• 3:09
  motivation,
• 3:10
  it's
• 3:11
  motion.
• 3:11
  That's
• 3:11
  what
• 3:11
  we're
• 3:11
  going
• 3:12
  to
• 3:12
  talk
• 3:12
  about
• 3:12
  today.
• 3:13
  If
• 3:13
  you
• 3:13
  felt
• 3:14
  stuck,
• 3:15
  you
• 3:15
  feel
• 3:15
  like,
• 3:15
  I
• 3:15
  can't
• 3:16
  get
• 3:16
  anywhere.
• 3:18
  It's
• 3:18
  not
• 3:18
  motivation,
• 3:19
  it's
• 3:20
  motion.
• 3:21
  And
• 3:21
  I
• 3:21
  remember
• 3:21
  this
• 3:22
  myself
• 3:22
  about
• 3:23
  three
• 3:23
  or
• 3:23
  four
• 3:23
  months
• 3:23
  ago.
• 3:24
  My
• 3:24
  wife
• 3:24
  is
• 3:25
  a
• 3:25
  great
• 3:26
  saver.
• 3:26
  She's
• 3:26
  a
• 3:26
  great
• 3:27
  person.
• 3:27
  We're
• 3:27
  doing
• 3:27
  all
• 3:27
  this
• 3:27
  kind
• 3:27
  of
• 3:28
  stuff.
• 3:28
  And
• 3:28
  she
• 3:28
  goes,
• 3:28
  ralph,
• 3:29
  she
• 3:29
  says,
• 3:29
  do
• 3:29
  you
• 3:30
  have
• 3:30
  a
• 3:30
  High
• 3:30
  yield
• 3:30
  savings
• 3:31
  account?
• 3:31
  And
• 3:32
  I
• 3:32
  said,
• 3:32
  no,
• 3:32
  I
• 3:32
  just
• 3:32
  kind
• 3:33
  of
• 3:33
  have
• 3:33
  money
• 3:33
  parked
• 3:33
  in
• 3:34
  the
• 3:34
  savings
• 3:34
  account
• 3:34
  for
• 3:34
  the
• 3:34
  business
• 3:35
  and
• 3:35
  for
• 3:35
  my
• 3:35
  personal
• 3:35
  account.
• 3:36
  She
• 3:36
  goes,
• 3:36
  ralph,
• 3:37
  what
• 3:37
  are
• 3:37
  you
• 3:37
  doing?
• 3:37
  You
• 3:38
  could
• 3:38
  set
• 3:38
  up
• 3:38
  one
• 3:38
  of
• 3:38
  these
• 3:38
  high
• 3:39
  yield
• 3:39
  savings
• 3:39
  accounts
• 3:40
  and
• 3:40
  you
• 3:40
  can
• 3:40
  make
• 3:40
  more
• 3:41
  money.
• 3:41
  And
• 3:41
  you
• 3:41
  know
• 3:41
  what?
• 3:41
  She's
• 3:42
  right.
• 3:42
  But
• 3:43
  guess
• 3:43
  what?
• 3:44
  It
• 3:44
  got
• 3:44
  put
• 3:44
  on
• 3:45
  the
• 3:45
  back
• 3:45
  burner.
• 3:46
  I'll
• 3:46
  get
• 3:47
  to
• 3:47
  it.
• 3:47
  I'll
• 3:47
  get
• 3:47
  to
• 3:47
  it.
• 3:47
  I
• 3:48
  kept
• 3:48
  on
• 3:48
  putting
• 3:48
  it
• 3:48
  off
• 3:49
  and
• 3:49
  putting
• 3:49
  it
• 3:49
  off.
• 3:49
  Finally,
• 3:50
  she
• 3:50
  said
• 3:50
  to
• 3:50
  me
• 3:50
  one
• 3:50
  day,
• 3:50
  she
• 3:51
  says,
• 3:51
  ralph,
• 3:51
  did
• 3:51
  you
• 3:52
  ever
• 3:52
  Set
• 3:52
  up
• 3:52
  that
• 3:52
  High
• 3:52
  Yield
• 3:52
  Savings
• 3:53
  account.
• 3:53
  I'm
• 3:53
  like,
• 3:53
  oh,
• 3:53
  I
• 3:54
  got
• 3:54
  to
• 3:54
  do
• 3:54
  this
• 3:54
  now.
• 3:54
  Because
• 3:55
  she,
• 3:55
  she
• 3:55
  won't
• 3:55
  stop.
• 3:56
  But
• 3:56
  she
• 3:57
  was
• 3:57
  right.
• 3:58
  And
• 3:58
  guess
• 3:58
  what?
• 3:58
  I
• 3:59
  did
• 3:59
  it.
• 3:59
  You
• 3:59
  know
• 3:59
  how
• 3:59
  much
• 3:59
  time
• 4:00
  it
• 4:00
  took
• 4:00
  me?
• 4:01
  Eight
• 4:01
  minutes.
• 4:03
  Eight
• 4:03
  minutes.
• 4:04
  And
• 4:05
  guess
• 4:05
  what?
• 4:05
  I'm
• 4:06
  earning
• 4:06
  interest
• 4:06
  every
• 4:07
  single
• 4:07
  day.
• 4:07
  Like
• 4:07
  five
• 4:08
  times
• 4:08
  what
• 4:08
  I
• 4:08
  was
• 4:08
  getting
• 4:09
  on
• 4:09
  the
• 4:09
  regular
• 4:09
  savings
• 4:09
  account.
• 4:11
  That
• 4:11
  one
• 4:11
  small
• 4:12
  click
• 4:12
  and
• 4:12
  that's
• 4:12
  all
• 4:12
  it
• 4:12
  was.
• 4:12
  I
• 4:13
  went
• 4:13
  on
• 4:13
  my
• 4:13
  home
• 4:13
  banking
• 4:13
  app.
• 4:14
  I
• 4:14
  made
• 4:14
  two
• 4:14
  or
• 4:14
  three
• 4:15
  clicks.
• 4:16
  But
• 4:16
  that
• 4:16
  one
• 4:17
  small
• 4:17
  click
• 4:17
  shifted
• 4:18
  me
• 4:18
  from
• 4:18
  guilt
• 4:19
  to
• 4:19
  gain.
• 4:20
  Just
• 4:20
  small
• 4:21
  acts
• 4:22
  have
• 4:23
  big
• 4:23
  identity
• 4:24
  changes.
• 4:25
  So
• 4:25
  let's
• 4:25
  get
• 4:25
  to
• 4:26
  today's
• 4:26
  question.
• 4:26
  What
• 4:27
  keeps
• 4:27
  you
• 4:27
  stuck
• 4:27
  in
• 4:28
  the
• 4:28
  later?
• 4:28
  And
• 4:28
  listen,
• 4:29
  I'm
• 4:29
  telling
• 4:29
  you,
• 4:29
  I
• 4:29
  embrace
• 4:30
  this
• 4:31
  and
• 4:31
  what
• 4:32
  would
• 4:32
  happen
• 4:32
  if
• 4:32
  you
• 4:32
  move
• 4:33
  today?
• 4:34
  Here's
• 4:35
  the
• 4:35
  first
• 4:35
  thing
• 4:35
  I'm
• 4:35
  encourage
• 4:36
  you
• 4:36
  to
• 4:36
  do.
• 4:37
  Name
• 4:37
  the
• 4:37
  blocker.
• 4:38
  Now,
• 4:38
  if
• 4:38
  you
• 4:39
  follow
• 4:39
  football,
• 4:40
  the
• 4:40
  front
• 4:41
  line
• 4:41
  of
• 4:41
  football,
• 4:41
  there's
• 4:41
  a
• 4:41
  people
• 4:42
  up
• 4:42
  here,
• 4:42
  blockers
• 4:42
  at
• 4:43
  your
• 4:43
  offensive
• 4:43
  and
• 4:43
  your
• 4:43
  defensive
• 4:44
  line.
• 4:46
  Well,
• 4:46
  you've
• 4:46
  got
• 4:46
  something
• 4:47
  that's
• 4:47
  blocking
• 4:47
  this
• 4:47
  right
• 4:48
  now.
• 4:49
  And
• 4:49
  the
• 4:50
  truth
• 4:50
  is
• 4:50
  you
• 4:50
  can't
• 4:50
  fix
• 4:51
  what
• 4:51
  you
• 4:51
  won't
• 4:51
  face.
• 4:53
  For
• 4:53
  me,
• 4:55
  it
• 4:55
  was
• 4:55
  confusion.
• 4:55
  I
• 4:56
  really
• 4:56
  didn't
• 4:56
  know
• 4:56
  what
• 4:57
  to
• 4:57
  do
• 4:57
  to
• 4:57
  make
• 4:57
  that
• 4:58
  next
• 4:58
  step.
• 4:58
  I
• 4:58
  knew
• 4:59
  it
• 4:59
  made
• 4:59
  sense.
• 4:59
  Listen
• 5:00
  intuitively
• 5:00
  it
• 5:00
  made
• 5:00
  sense
• 5:01
  to
• 5:01
  go
• 5:01
  get
• 5:01
  that
• 5:01
  High
• 5:01
  Yield
• 5:01
  savings
• 5:02
  account,
• 5:02
  but
• 5:03
  I
• 5:03
  wasn't
• 5:03
  exactly
• 5:03
  sure
• 5:03
  how
• 5:04
  to
• 5:04
  do
• 5:04
  it.
• 5:05
  So
• 5:05
  ask
• 5:05
  yourself,
• 5:06
  what's
• 5:06
  the
• 5:06
  blocker?
• 5:07
  Is
• 5:07
  it
• 5:07
  fear?
• 5:07
  Do
• 5:08
  you
• 5:08
  not
• 5:08
  understand
• 5:08
  something?
• 5:09
  Go
• 5:09
  get
• 5:09
  educated
• 5:10
  about
• 5:10
  it.
• 5:10
  Is
• 5:11
  it
• 5:11
  confusion
• 5:12
  again?
• 5:12
  Go
• 5:12
  find
• 5:13
  somebody
• 5:13
  to
• 5:13
  explain
• 5:13
  it
• 5:14
  to
• 5:14
  you.
• 5:14
  For
• 5:15
  so
• 5:15
  many
• 5:15
  of
• 5:15
  us,
• 5:15
  it's
• 5:16
  perfection.
• 5:17
  We
• 5:17
  feel
• 5:17
  like,
• 5:17
  oh,
• 5:17
  if
• 5:17
  we
• 5:18
  can't
• 5:18
  do
• 5:18
  it
• 5:18
  perfectly,
• 5:18
  we're
• 5:18
  not
• 5:18
  going
• 5:18
  to
• 5:19
  do
• 5:19
  it
• 5:19
  at
• 5:19
  all.
• 5:20
  But
• 5:20
  name
• 5:20
  that
• 5:21
  blocker.
• 5:21
  Write
• 5:21
  it
• 5:21
  down.
• 5:23
  Because
• 5:23
  here's
• 5:23
  the
• 5:23
  thing,
• 5:24
  you
• 5:24
  shrink
• 5:24
  it
• 5:24
  by
• 5:25
  naming
• 5:25
  it.
• 5:25
  If
• 5:25
  you
• 5:25
  say,
• 5:26
  here's
• 5:26
  why
• 5:26
  I'm
• 5:27
  confused
• 5:27
  by
• 5:27
  this
• 5:28
  or
• 5:28
  I'm
• 5:29
  going
• 5:29
  to
• 5:29
  find
• 5:29
  perfection.
• 5:30
  I'm
• 5:30
  fearing
• 5:31
  this
• 5:33
  because
• 5:33
  here's
• 5:33
  the
• 5:33
  truth.
• 5:34
  God
• 5:34
  doesn't
• 5:34
  heal
• 5:35
  what
• 5:35
  we
• 5:35
  hide.
• 5:37
  And
• 5:37
  that
• 5:37
  awareness
• 5:38
  will
• 5:38
  break
• 5:38
  that
• 5:39
  paralysis.
• 5:40
  Second
• 5:41
  thing,
• 5:42
  and
• 5:42
  this
• 5:42
  is
• 5:42
  one,
• 5:43
  this
• 5:43
  is
• 5:43
  a
• 5:43
  takeaway.
• 5:43
  Write
• 5:44
  this
• 5:44
  down.
• 5:44
  Define
• 5:45
  a
• 5:45
  10
• 5:45
  minute
• 5:45
  first
• 5:46
  step.
• 5:48
  So
• 5:48
  I
• 5:48
  finally
• 5:48
  did.
• 5:49
  In
• 5:49
  my
• 5:49
  own
• 5:49
  life,
• 5:51
  small
• 5:51
  action
• 5:52
  beats
• 5:52
  big
• 5:52
  intentions.
• 5:53
  A
• 5:53
  lot
• 5:53
  of
• 5:53
  people
• 5:53
  talk
• 5:53
  about
• 5:53
  big
• 5:54
  intentions.
• 5:54
  Those
• 5:54
  great
• 5:55
  as
• 5:55
  a.
• 5:55
  You
• 5:55
  know,
• 5:55
  they
• 5:55
  say
• 5:55
  the
• 5:56
  road
• 5:56
  to
• 5:56
  hell
• 5:56
  is
• 5:56
  paved
• 5:56
  with
• 5:56
  good
• 5:57
  intentions.
• 5:59
  But
• 5:59
  just
• 5:59
  pick
• 5:59
  one
• 6:00
  task.
• 6:01
  Just
• 6:01
  think
• 6:01
  of
• 6:01
  the
• 6:01
  smallest
• 6:02
  visible
• 6:02
  window
• 6:02
  you
• 6:03
  can
• 6:03
  make
• 6:03
  and
• 6:03
  set
• 6:03
  a
• 6:04
  10
• 6:04
  minute
• 6:04
  timer.
• 6:04
  Describe
• 6:05
  I
• 6:05
  got
• 6:05
  a
• 6:05
  timer
• 6:05
  here
• 6:06
  in
• 6:06
  front
• 6:06
  of
• 6:06
  me,
• 6:06
  right
• 6:06
  here,
• 6:07
  I
• 6:07
  got
• 6:07
  a
• 6:07
  timer.
• 6:08
  Set
• 6:08
  that
• 6:08
  thing
• 6:08
  for
• 6:09
  10
• 6:09
  minutes
• 6:09
  and
• 6:10
  just
• 6:10
  say,
• 6:10
  here's
• 6:11
  what
• 6:11
  I'm
• 6:11
  going
• 6:11
  to
• 6:11
  do.
• 6:13
  Before
• 6:13
  you're
• 6:13
  even
• 6:13
  ready,
• 6:14
  just
• 6:14
  click
• 6:14
  start
• 6:14
  on
• 6:14
  that
• 6:14
  time
• 6:15
  and
• 6:15
  go,
• 6:15
  Okay,
• 6:15
  I
• 6:15
  gotta
• 6:15
  go
• 6:15
  do
• 6:16
  it.
• 6:16
  The
• 6:16
  timer's
• 6:16
  running.
• 6:16
  I
• 6:17
  got
• 6:17
  10
• 6:17
  minutes.
• 6:18
  Because
• 6:19
  faith
• 6:19
  isn't
• 6:20
  waiting
• 6:20
  for
• 6:20
  perfect
• 6:20
  conditions.
• 6:21
  If
• 6:21
  you
• 6:21
  wait
• 6:21
  for
• 6:21
  perfect
• 6:22
  conditions,
• 6:22
  guess
• 6:22
  what's
• 6:22
  gonna
• 6:23
  happen?
• 6:23
  You're
• 6:24
  never
• 6:24
  gonna
• 6:24
  do
• 6:24
  it.
• 6:25
  But
• 6:25
  faith
• 6:26
  is
• 6:26
  moving
• 6:26
  in
• 6:27
  obedience.
• 6:29
  Like
• 6:29
  I
• 6:29
  said.
• 6:30
  Create
• 6:31
  that
• 6:31
  time
• 6:31
  box
• 6:31
  and
• 6:32
  start.
• 6:34
  Just
• 6:34
  make
• 6:34
  it
• 6:34
  simple.
• 6:35
  Constraints
• 6:36
  create
• 6:36
  clarity.
• 6:38
  Tell
• 6:38
  yourself,
• 6:39
  I'll
• 6:39
  just
• 6:39
  do
• 6:39
  10
• 6:40
  minutes
• 6:40
  of
• 6:40
  this.
• 6:40
  I'm
• 6:41
  going
• 6:41
  to
• 6:41
  go
• 6:41
  set
• 6:41
  up
• 6:41
  this
• 6:41
  account.
• 6:42
  I'm
• 6:42
  going
• 6:42
  to
• 6:42
  start
• 6:42
  that
• 6:43
  timer.
• 6:43
  The
• 6:43
  timer's
• 6:43
  going.
• 6:44
  Let
• 6:44
  me
• 6:44
  figure
• 6:44
  this
• 6:44
  out.
• 6:45
  And
• 6:45
  when
• 6:46
  the
• 6:46
  timer
• 6:46
  rings
• 6:46
  stop.
• 6:47
  Celebrate
• 6:48
  that
• 6:48
  movement
• 6:48
  that
• 6:48
  you've
• 6:49
  done.
• 6:50
  Because
• 6:50
  that
• 6:50
  motion
• 6:50
  breaks
• 6:51
  the
• 6:51
  mental
• 6:51
  freeze.
• 6:52
  And
• 6:53
  once
• 6:53
  you
• 6:53
  start,
• 6:54
  God's
• 6:54
  going
• 6:54
  to
• 6:54
  multiply
• 6:55
  that
• 6:55
  momentum,
• 6:56
  which
• 6:56
  leads
• 6:57
  me
• 6:57
  to
• 6:57
  this
• 6:57
  Build
• 6:58
  a
• 6:58
  streak.
• 7:00
  Because
• 7:00
  progress
• 7:00
  rewires
• 7:01
  identity.
• 7:02
  It's
• 7:03
  kind
• 7:03
  of
• 7:03
  like
• 7:03
  an
• 7:03
  exercise
• 7:03
  routine.
• 7:05
  I've
• 7:05
  mentioned
• 7:06
  on
• 7:06
  the
• 7:06
  show
• 7:06
  many
• 7:06
  times
• 7:06
  that
• 7:07
  I'm
• 7:07
  on
• 7:07
  a
• 7:07
  health
• 7:07
  kick.
• 7:09
  When
• 7:09
  I
• 7:09
  started
• 7:10
  that
• 7:10
  routine,
• 7:10
  I
• 7:11
  had
• 7:11
  to
• 7:11
  do
• 7:11
  it
• 7:11
  one
• 7:11
  day.
• 7:12
  I
• 7:12
  had
• 7:12
  to
• 7:12
  set,
• 7:12
  okay,
• 7:12
  you
• 7:12
  know,
• 7:13
  I'm
• 7:13
  gonna
• 7:13
  do.
• 7:13
  I'm
• 7:13
  go
• 7:13
  down
• 7:14
  the
• 7:14
  basement.
• 7:14
  That's
• 7:14
  where
• 7:14
  I
• 7:14
  work
• 7:15
  out.
• 7:15
  Got
• 7:16
  my
• 7:16
  equipment
• 7:16
  down
• 7:16
  there.
• 7:16
  Spent
• 7:17
  a
• 7:17
  lot
• 7:17
  of
• 7:17
  money
• 7:17
  on
• 7:17
  equipment,
• 7:18
  and
• 7:18
  I
• 7:18
  sat
• 7:18
  there
• 7:18
  and
• 7:18
  collected
• 7:19
  dust.
• 7:20
  So
• 7:20
  I
• 7:20
  said,
• 7:20
  okay,
• 7:21
  here's
• 7:21
  what
• 7:21
  I'm
• 7:21
  gonna
• 7:21
  do.
• 7:21
  I'm
• 7:21
  gonna
• 7:21
  go
• 7:21
  down
• 7:21
  there
• 7:22
  for
• 7:22
  30
• 7:22
  minutes
• 7:23
  tomorrow.
• 7:24
  I
• 7:24
  set
• 7:24
  that
• 7:24
  timer.
• 7:25
  And
• 7:25
  I
• 7:26
  said,
• 7:26
  no
• 7:26
  matter
• 7:26
  what
• 7:26
  you
• 7:26
  do,
• 7:26
  Ralph,
• 7:27
  you're
• 7:27
  not
• 7:27
  coming
• 7:27
  up
• 7:27
  these
• 7:27
  steps
• 7:28
  unless
• 7:28
  you
• 7:28
  spend
• 7:28
  30
• 7:28
  minutes
• 7:29
  down
• 7:29
  there.
• 7:29
  And
• 7:29
  I
• 7:29
  could
• 7:29
  have
• 7:29
  sat
• 7:29
  there
• 7:30
  on
• 7:30
  the
• 7:30
  weight
• 7:30
  bench
• 7:30
  and
• 7:30
  said,
• 7:30
  oh,
• 7:31
  let
• 7:31
  me
• 7:31
  watch
• 7:31
  TV
• 7:31
  or
• 7:31
  listen
• 7:32
  to
• 7:32
  music.
• 7:32
  Wouldn't
• 7:33
  have
• 7:33
  helped
• 7:33
  me,
• 7:33
  right?
• 7:34
  But
• 7:34
  I
• 7:35
  set
• 7:35
  that
• 7:35
  thing.
• 7:35
  I
• 7:36
  set
• 7:36
  that
• 7:36
  progress.
• 7:36
  And
• 7:37
  then
• 7:37
  I
• 7:37
  said,
• 7:37
  okay,
• 7:37
  I
• 7:37
  did
• 7:37
  it
• 7:38
  today,
• 7:38
  and
• 7:38
  I
• 7:38
  felt
• 7:38
  good
• 7:38
  about
• 7:39
  it.
• 7:39
  Guess
• 7:39
  what?
• 7:39
  I'll
• 7:40
  do
• 7:40
  it
• 7:40
  tomorrow,
• 7:41
  and
• 7:41
  I'll
• 7:41
  do
• 7:41
  it
• 7:41
  the
• 7:42
  next
• 7:42
  day.
• 7:43
  And
• 7:43
  that
• 7:43
  one
• 7:43
  streak
• 7:44
  became
• 7:44
  a
• 7:44
  story.
• 7:46
  And
• 7:46
  that
• 7:47
  momentum
• 7:47
  is
• 7:48
  so
• 7:48
  much
• 7:48
  greater
• 7:49
  than
• 7:49
  the
• 7:49
  motivation.
• 7:49
  It
• 7:49
  was
• 7:49
  hard
• 7:50
  to
• 7:50
  get
• 7:50
  there.
• 7:50
  It
• 7:50
  was
• 7:50
  hard
• 7:51
  to
• 7:51
  start
• 7:51
  it.
• 7:52
  But
• 7:52
  when
• 7:52
  you
• 7:53
  act
• 7:53
  daily,
• 7:53
  you
• 7:53
  start
• 7:54
  seeing
• 7:54
  yourself
• 7:54
  differently.
• 7:55
  I
• 7:55
  know
• 7:56
  I
• 7:56
  see
• 7:56
  myself
• 7:56
  differently.
• 7:57
  I
• 7:57
  lift
• 7:57
  weights
• 7:57
  every
• 7:58
  day.
• 7:58
  Now.
• 7:59
  I
• 7:59
  didn't
• 7:59
  see
• 8:00
  myself
• 8:00
  as
• 8:00
  a
• 8:00
  bodybuilder.
• 8:01
  I'm
• 8:01
  by
• 8:01
  no
• 8:01
  means
• 8:01
  a
• 8:02
  bodybuilder,
• 8:02
  but
• 8:02
  you
• 8:02
  understand
• 8:02
  what
• 8:03
  I'm
• 8:03
  saying?
• 8:04
  But
• 8:04
  when
• 8:04
  I
• 8:04
  started
• 8:05
  seeing
• 8:05
  myself
• 8:05
  differently,
• 8:06
  I
• 8:06
  realized
• 8:06
  I'm
• 8:06
  capable
• 8:07
  of
• 8:07
  this.
• 8:08
  I
• 8:08
  can
• 8:09
  be
• 8:09
  consistent.
• 8:09
  It
• 8:10
  built
• 8:10
  confidence.
• 8:11
  And
• 8:12
  really
• 8:12
  what
• 8:12
  that
• 8:12
  is,
• 8:13
  that's
• 8:13
  God
• 8:13
  working
• 8:14
  through
• 8:14
  your
• 8:14
  faithfulness.
• 8:16
  Because
• 8:16
  when
• 8:16
  you're
• 8:17
  faithful,
• 8:17
  when
• 8:18
  you're
• 8:18
  diligence,
• 8:19
  God
• 8:19
  will
• 8:19
  honor
• 8:20
  that
• 8:21
  which
• 8:22
  leads
• 8:22
  Me,
• 8:22
  today's
• 8:22
  Bible
• 8:23
  verse.
• 8:23
  Now
• 8:23
  listen,
• 8:23
  I'm
• 8:23
  going
• 8:23
  to
• 8:23
  tell
• 8:23
  you
• 8:24
  right
• 8:24
  now.
• 8:24
  Today's
• 8:24
  Bible
• 8:24
  verse
• 8:25
  is
• 8:25
  a
• 8:25
  little
• 8:25
  harsh.
• 8:26
  But
• 8:27
  I
• 8:27
  thought
• 8:27
  it
• 8:27
  was
• 8:27
  so
• 8:28
  important
• 8:28
  to
• 8:28
  encapsulate
• 8:29
  this.
• 8:29
  It's
• 8:29
  from
• 8:29
  the
• 8:29
  Book
• 8:29
  of
• 8:30
  James,
• 8:30
  chapter
• 8:31
  4,
• 8:31
  verse
• 8:31
  17.
• 8:33
  And
• 8:33
  again,
• 8:33
  like
• 8:33
  I
• 8:33
  said,
• 8:33
  it's
• 8:34
  a
• 8:34
  little
• 8:34
  harsh.
• 8:35
  But
• 8:35
  think
• 8:35
  about
• 8:35
  the
• 8:36
  positive
• 8:36
  side
• 8:36
  of
• 8:36
  this.
• 8:36
  If
• 8:37
  anyone
• 8:37
  knows
• 8:37
  the
• 8:38
  good
• 8:38
  they
• 8:38
  ought
• 8:38
  to
• 8:39
  do
• 8:39
  and
• 8:39
  doesn't
• 8:40
  do
• 8:40
  it.
• 8:40
  It's
• 8:41
  a
• 8:41
  sin.
• 8:42
  You're
• 8:43
  thinking,
• 8:43
  wait
• 8:43
  a
• 8:43
  second,
• 8:44
  Ralph.
• 8:44
  Now
• 8:44
  you're
• 8:44
  usually
• 8:45
  a
• 8:45
  positive
• 8:45
  guy,
• 8:46
  but
• 8:46
  this
• 8:46
  doesn't
• 8:47
  sound
• 8:47
  very
• 8:47
  positive.
• 8:49
  But
• 8:49
  that's
• 8:49
  not
• 8:50
  what
• 8:50
  I'm
• 8:50
  saying
• 8:50
  it
• 8:50
  to
• 8:50
  you
• 8:50
  for.
• 8:51
  It's
• 8:51
  not
• 8:51
  about
• 8:51
  guilt.
• 8:52
  It's
• 8:53
  about
• 8:53
  guidance.
• 8:54
  See,
• 8:54
  God
• 8:55
  isn't
• 8:55
  condemning
• 8:55
  delay,
• 8:56
  he's
• 8:56
  inviting
• 8:57
  obedience.
• 8:59
  So
• 8:59
  if
• 8:59
  you
• 8:59
  know
• 9:00
  the
• 9:00
  good
• 9:00
  that
• 9:00
  you
• 9:00
  should
• 9:01
  be
• 9:01
  doing,
• 9:01
  but
• 9:01
  you
• 9:01
  don't
• 9:01
  do
• 9:02
  it
• 9:03
  again,
• 9:04
  this
• 9:04
  is
• 9:04
  God's
• 9:04
  words,
• 9:05
  not
• 9:05
  mine,
• 9:05
  not
• 9:05
  Ralph's
• 9:06
  words.
• 9:06
  These
• 9:06
  are
• 9:07
  the
• 9:07
  Lord's
• 9:07
  words.
• 9:09
  It's
• 9:10
  a
• 9:10
  sin.
• 9:11
  And
• 9:12
  I'm
• 9:12
  not
• 9:12
  saying
• 9:12
  not
• 9:12
  to
• 9:12
  judge
• 9:13
  you.
• 9:13
  Listen,
• 9:13
  we
• 9:14
  all
• 9:14
  have
• 9:14
  times
• 9:14
  of
• 9:14
  procrastination.
• 9:16
  But
• 9:17
  maybe
• 9:17
  that's
• 9:17
  when
• 9:17
  you
• 9:17
  invite
• 9:18
  God
• 9:18
  and
• 9:18
  say,
• 9:18
  listen,
• 9:18
  God,
• 9:19
  I
• 9:19
  know
• 9:19
  I'm
• 9:19
  procrastinating
• 9:20
  about
• 9:20
  this.
• 9:21
  Help
• 9:21
  me
• 9:22
  to
• 9:22
  break
• 9:22
  out
• 9:22
  of
• 9:22
  that
• 9:22
  and
• 9:23
  just
• 9:23
  do
• 9:23
  it.
• 9:23
  Because,
• 9:23
  Lord,
• 9:24
  I
• 9:24
  know
• 9:24
  this
• 9:24
  is
• 9:24
  the
• 9:24
  right
• 9:25
  thing
• 9:25
  to
• 9:25
  do.
• 9:25
  Listen,
• 9:26
  my
• 9:26
  example
• 9:26
  of
• 9:26
  that,
• 9:27
  that
• 9:27
  Satan's
• 9:27
  account,
• 9:28
  Guess
• 9:28
  what
• 9:28
  that
• 9:28
  was?
• 9:30
  That
• 9:30
  was
• 9:30
  stewardship.
• 9:32
  God
• 9:32
  had
• 9:32
  given
• 9:32
  me
• 9:33
  provision
• 9:33
  and
• 9:33
  I'm
• 9:33
  not
• 9:34
  murdering
• 9:34
  as
• 9:34
  much
• 9:34
  as
• 9:34
  I
• 9:34
  could
• 9:35
  on
• 9:35
  it.
• 9:35
  So
• 9:35
  I
• 9:35
  had
• 9:35
  to
• 9:36
  break
• 9:36
  of
• 9:36
  that.
• 9:36
  I
• 9:37
  invited
• 9:37
  him.
• 9:37
  That
• 9:37
  I
• 9:37
  said,
• 9:38
  lord,
• 9:38
  give
• 9:38
  me
• 9:38
  10
• 9:38
  minutes
• 9:38
  to
• 9:39
  do
• 9:39
  it.
• 9:39
  It
• 9:39
  took
• 9:39
  eight
• 9:39
  minutes.
• 9:40
  Why
• 9:40
  about
• 9:40
  we
• 9:41
  pray
• 9:41
  together
• 9:41
  right
• 9:41
  now,
• 9:43
  Lord,
• 9:44
  we
• 9:44
  want
• 9:44
  to
• 9:44
  break
• 9:44
  out
• 9:45
  of
• 9:45
  this
• 9:45
  I'll
• 9:45
  do
• 9:45
  it
• 9:45
  later
• 9:46
  mentality.
• 9:47
  But
• 9:47
  we
• 9:48
  need
• 9:48
  courage,
• 9:48
  Lord,
• 9:49
  so
• 9:49
  help
• 9:49
  us
• 9:49
  get
• 9:49
  courage
• 9:50
  to
• 9:50
  start
• 9:50
  that,
• 9:52
  Lord,
• 9:52
  help
• 9:52
  to
• 9:53
  free
• 9:53
  me
• 9:53
  from
• 9:53
  that
• 9:53
  fear
• 9:54
  of
• 9:54
  failure.
• 9:54
  It's
• 9:54
  so
• 9:55
  easy
• 9:55
  to
• 9:55
  live
• 9:55
  in
• 9:55
  that
• 9:56
  fear
• 9:56
  of
• 9:56
  failure.
• 9:58
  And
• 9:58
  Lord,
• 9:58
  just
• 9:58
  show
• 9:59
  me
• 9:59
  joy
• 9:59
  in
• 9:59
  the
• 9:59
  small
• 10:00
  obedience.
• 10:00
  Those
• 10:00
  little
• 10:01
  things
• 10:01
  that
• 10:01
  I
• 10:01
  can
• 10:01
  do
• 10:01
  every
• 10:02
  day.
• 10:03
  And
• 10:04
  Lord,
• 10:04
  just
• 10:04
  remind
• 10:05
  me
• 10:05
  that
• 10:05
  you
• 10:05
  honor
• 10:06
  progress,
• 10:06
  not
• 10:06
  perfection.
• 10:07
  It's
• 10:07
  so
• 10:07
  easy
• 10:08
  to
• 10:08
  worry
• 10:08
  about
• 10:08
  perfection,
• 10:09
  Lord,
• 10:09
  but
• 10:09
  we
• 10:09
  know
• 10:10
  that
• 10:10
  you've
• 10:10
  got
• 10:10
  this.
• 10:13
  And
• 10:13
  Lord,
• 10:13
  we
• 10:13
  ask
• 10:14
  this
• 10:14
  in
• 10:14
  the
• 10:14
  name
• 10:14
  of
• 10:14
  Jesus.
• 10:16
  Amen.
• 10:18
  So,
• 10:18
  your
• 10:18
  action
• 10:18
  item
• 10:19
  for
• 10:19
  today.
• 10:20
  I
• 10:20
  want
• 10:20
  you
• 10:20
  to
• 10:21
  take
• 10:21
  that
• 10:21
  timer.
• 10:21
  If
• 10:21
  you
• 10:21
  don't
• 10:21
  have
• 10:22
  a
• 10:22
  timer,
• 10:22
  use
• 10:22
  your
• 10:22
  phone,
• 10:23
  put
• 10:23
  10
• 10:23
  minutes
• 10:24
  on
• 10:24
  it
• 10:25
  and
• 10:25
  take
• 10:26
  care
• 10:26
  of
• 10:26
  that
• 10:27
  task
• 10:27
  that
• 10:27
  you've
• 10:27
  been
• 10:27
  delaying.
• 10:28
  Whether
• 10:28
  that's
• 10:29
  paying
• 10:29
  a
• 10:29
  bill,
• 10:29
  opening
• 10:30
  an
• 10:30
  account.
• 10:30
  Cancel.
• 10:31
  Listen,
• 10:31
  here's
• 10:31
  a
• 10:31
  great
• 10:31
  one.
• 10:32
  Cancel
• 10:32
  some
• 10:32
  of
• 10:32
  those
• 10:32
  subscriptions
• 10:33
  I've
• 10:33
  talked
• 10:33
  about
• 10:33
  this
• 10:33
  on
• 10:34
  the
• 10:34
  show
• 10:34
  a
• 10:34
  dozen
• 10:34
  times.
• 10:35
  Go
• 10:35
  look
• 10:35
  at
• 10:35
  your
• 10:35
  bank
• 10:36
  account.
• 10:36
  Go
• 10:36
  look
• 10:36
  at
• 10:36
  your
• 10:37
  credit
• 10:37
  cards.
• 10:37
  You
• 10:37
  need
• 10:37
  to
• 10:38
  cancel
• 10:38
  those
• 10:38
  things.
• 10:38
  Start
• 10:39
  small,
• 10:39
  because
• 10:40
  small
• 10:40
  still
• 10:40
  moves
• 10:41
  mountains.
• 10:42
  And
• 10:42
  while
• 10:42
  I'm
• 10:42
  talking
• 10:42
  about
• 10:43
  starting
• 10:43
  small,
• 10:44
  our
• 10:44
  new
• 10:44
  community
• 10:45
  is
• 10:45
  small
• 10:45
  right
• 10:45
  now,
• 10:46
  but
• 10:46
  we
• 10:46
  want
• 10:46
  to
• 10:46
  really
• 10:46
  grow
• 10:46
  it.
• 10:47
  You
• 10:47
  get
• 10:47
  to
• 10:47
  it
• 10:47
  by
• 10:47
  going
• 10:48
  to
• 10:48
  financiallyconfidentchristian.com/join.
• 10:51
  I
• 10:51
  want
• 10:51
  you
• 10:52
  to
• 10:52
  join
• 10:52
  the
• 10:52
  community
• 10:52
  so
• 10:52
  we
• 10:53
  can
• 10:53
  celebrate
• 10:53
  these
• 10:53
  wins
• 10:54
  together.
• 10:54
  I
• 10:55
  want
• 10:55
  to
• 10:55
  encourage
• 10:55
  you.
• 10:55
  We're
• 10:55
  going
• 10:56
  to
• 10:56
  be
• 10:56
  putting
• 10:56
  Bible
• 10:56
  verses
• 10:57
  out
• 10:57
  there.
• 10:57
  We're
• 10:57
  going
• 10:57
  to
• 10:57
  be
• 10:58
  talking
• 10:58
  about
• 10:58
  prayers
• 10:58
  on
• 10:58
  a
• 10:59
  daily
• 10:59
  basis.
• 10:59
  I
• 10:59
  want
• 10:59
  to
• 11:00
  help
• 11:00
  you
• 11:00
  keep
• 11:00
  that
• 11:00
  streak
• 11:01
  alive.
• 11:02
  We
• 11:02
  don't
• 11:02
  need
• 11:02
  to
• 11:03
  chase
• 11:03
  perfection.
• 11:04
  We
• 11:04
  need
• 11:04
  to
• 11:04
  celebrate
• 11:04
  progress.
• 11:05
  So
• 11:05
  Again,
• 11:05
  go
• 11:05
  to
• 11:05
  financiallyconfidentchristian.com
• 11:09
  and
• 11:09
  join
• 11:09
  our
• 11:09
  community
• 11:10
  Today.
• 11:10
  People
• 11:10
  are
• 11:10
  joining
• 11:10
  it
• 11:11
  and
• 11:11
  it's
• 11:11
  starting
• 11:11
  to
• 11:12
  grow.
• 11:12
  So
• 11:13
  as
• 11:13
  I
• 11:13
  close
• 11:13
  today,
• 11:13
  remember
• 11:14
  this.
• 11:15
  Start
• 11:15
  small,
• 11:16
  but
• 11:16
  start
• 11:16
  now.
• 11:17
  Progress
• 11:17
  beats
• 11:18
  perfection.
• 11:18
  10
• 11:19
  times
• 11:19
  out
• 11:19
  of
• 11:19
  10
• 11:20
  and
• 11:20
  streaks
• 11:21
  rewrite
• 11:21
  your
• 11:22
  story.
• 11:23
  So
• 11:23
  today
• 11:23
  I
• 11:23
  want
• 11:23
  to
• 11:23
  encourage
• 11:24
  you.
• 11:24
  Go
• 11:24
  be
• 11:24
  a
• 11:24
  financially
• 11:25
  confident
• 11:25
  Christian.
• 11:26
  You
• 11:26
  can
• 11:26
  do
• 11:26
  this.
• 11:27
  The
• 11:27
  Lord
• 11:27
  is
• 11:28
  with
• 11:28
  you.
• 11:28
  Stay
• 11:28
  financially
• 11:29
  savvy.
• 11:30
  God
• 11:30
  bless
• 11:30
  you,
• 11:31
  and
• 11:31
  you
• 11:31
  have
• 11:31
  a
• 11:31
  great
• 11:32
  day
• 11:32
  today.