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How Do I Truly Live With My Budget? · Becoming Financially Confident

• 1:20
  You
• 1:20
  finally
• 1:21
  built
• 1:21
  the
• 1:21
  budget,
• 1:22
  and
• 1:22
  now
• 1:22
  it
• 1:23
  feels
• 1:23
  like
• 1:23
  it's
• 1:23
  choking
• 1:24
  you.
• 1:24
  You're
• 1:25
  staring
• 1:25
  at
• 1:25
  the
• 1:25
  numbers
• 1:26
  that
• 1:26
  just
• 1:26
  barely
• 1:27
  fit,
• 1:27
  and
• 1:27
  you're
• 1:27
  scared
• 1:28
  that
• 1:28
  the
• 1:28
  first
• 1:28
  surprise
• 1:29
  is
• 1:30
  going
• 1:30
  to
• 1:30
  break
• 1:31
  everything.
• 1:32
  So
• 1:33
  today
• 1:33
  on
• 1:33
  the
• 1:33
  show,
• 1:33
  I'm
• 1:33
  going
• 1:33
  to
• 1:33
  talk
• 1:34
  to
• 1:34
  you
• 1:34
  about
• 1:34
  what
• 1:34
  you
• 1:34
  do
• 1:34
  next
• 1:35
  to
• 1:35
  build
• 1:35
  breathing
• 1:36
  room
• 1:36
  without
• 1:37
  giving
• 1:37
  up.
• 1:59
  Hey,
• 2:00
  friend.
• 2:00
  Ralph
• 2:00
  Estep
• 2:01
  Jr.
• 2:01
  Here.
• 2:02
  Thank
• 2:02
  you
• 2:02
  for
• 2:02
  joining
• 2:02
  me
• 2:03
  today
• 2:03
  on
• 2:03
  Financially
• 2:04
  Confident.
• 2:04
  Christian.
• 2:05
  This
• 2:05
  is
• 2:06
  the
• 2:06
  show
• 2:06
  where
• 2:06
  my
• 2:06
  goal
• 2:07
  every
• 2:07
  day
• 2:07
  is
• 2:07
  to
• 2:07
  help
• 2:07
  you
• 2:08
  break
• 2:08
  that
• 2:08
  cycle
• 2:09
  of
• 2:09
  financial
• 2:09
  shame
• 2:10
  and
• 2:10
  really
• 2:10
  live
• 2:11
  in
• 2:11
  confidence.
• 2:13
  And
• 2:13
  today
• 2:13
  we're
• 2:13
  going
• 2:13
  to
• 2:13
  talk
• 2:14
  about
• 2:14
  something
• 2:14
  that
• 2:15
  a
• 2:15
  lot
• 2:15
  of
• 2:15
  people
• 2:15
  deal
• 2:16
  with,
• 2:16
  and
• 2:16
  that's
• 2:16
  making
• 2:17
  a
• 2:17
  tight
• 2:17
  budget
• 2:17
  feel
• 2:18
  livable
• 2:19
  because
• 2:19
  you
• 2:19
  might
• 2:19
  have
• 2:20
  done
• 2:20
  a
• 2:20
  great
• 2:20
  budget.
• 2:21
  You're
• 2:21
  like,
• 2:21
  ralph,
• 2:21
  I've
• 2:22
  got
• 2:22
  this
• 2:22
  budget
• 2:22
  together,
• 2:22
  man,
• 2:23
  but
• 2:23
  this
• 2:23
  thing
• 2:23
  is
• 2:23
  super
• 2:24
  tight.
• 2:24
  Well,
• 2:25
  let's
• 2:25
  get
• 2:25
  right
• 2:25
  into
• 2:25
  today's
• 2:26
  question.
• 2:27
  Ralph.
• 2:28
  My
• 2:28
  wife
• 2:28
  and
• 2:28
  I
• 2:29
  just
• 2:29
  finally
• 2:29
  finished
• 2:30
  putting
• 2:30
  together
• 2:31
  a
• 2:31
  family
• 2:31
  budget.
• 2:32
  We
• 2:32
  did
• 2:32
  it,
• 2:33
  but
• 2:33
  it's
• 2:34
  super
• 2:34
  tight,
• 2:34
  and
• 2:35
  I'm
• 2:35
  really
• 2:35
  worried
• 2:35
  we
• 2:36
  won't
• 2:36
  be
• 2:36
  able
• 2:36
  to
• 2:36
  stick
• 2:36
  to
• 2:37
  it.
• 2:37
  You
• 2:38
  talk
• 2:38
  about
• 2:38
  building
• 2:38
  a
• 2:39
  budget,
• 2:39
  and
• 2:39
  I
• 2:40
  want
• 2:40
  to
• 2:40
  make
• 2:40
  this
• 2:40
  work,
• 2:41
  but
• 2:42
  I
• 2:42
  just
• 2:42
  know
• 2:43
  how
• 2:43
  to
• 2:43
  build
• 2:44
  some
• 2:44
  extra
• 2:44
  room
• 2:44
  into
• 2:45
  this,
• 2:45
  Ralph,
• 2:45
  so
• 2:45
  that
• 2:45
  we
• 2:46
  don't
• 2:46
  fail
• 2:46
  right
• 2:47
  as
• 2:47
  we're
• 2:47
  getting
• 2:47
  started.
• 2:49
  Please
• 2:49
  help.
• 2:50
  Thank
• 2:51
  you
• 2:51
  so
• 2:51
  much
• 2:51
  for
• 2:51
  sharing
• 2:52
  that
• 2:52
  very
• 2:52
  honest
• 2:53
  question.
• 2:53
  I
• 2:53
  commend
• 2:54
  you
• 2:54
  because
• 2:54
  building
• 2:54
  a
• 2:55
  budget,
• 2:55
  especially
• 2:56
  with
• 2:57
  your
• 2:57
  spouse,
• 2:58
  this
• 2:58
  is
• 2:58
  not
• 2:58
  easy
• 2:59
  work.
• 3:00
  So
• 3:00
  I
• 3:00
  commend
• 3:00
  you
• 3:01
  on
• 3:01
  that.
• 3:01
  That's
• 3:01
  a
• 3:01
  fantastic
• 3:02
  place
• 3:02
  to
• 3:02
  start.
• 3:03
  So
• 3:04
  let's
• 3:04
  tell
• 3:04
  you
• 3:04
  what
• 3:04
  the
• 3:05
  big
• 3:05
  idea
• 3:05
  for
• 3:05
  today
• 3:05
  is.
• 3:06
  A
• 3:06
  tight
• 3:06
  budget
• 3:07
  becomes
• 3:07
  sustainable.
• 3:08
  And
• 3:08
  that's
• 3:08
  what
• 3:08
  we're
• 3:09
  really
• 3:09
  talking
• 3:09
  about
• 3:09
  today.
• 3:09
  Because
• 3:09
  what
• 3:09
  you're
• 3:10
  really
• 3:10
  asking
• 3:10
  me
• 3:11
  is,
• 3:11
  Ralph,
• 3:11
  how
• 3:12
  do
• 3:12
  we
• 3:12
  sustain
• 3:12
  this?
• 3:13
  How
• 3:13
  do
• 3:13
  we
• 3:13
  make
• 3:13
  this
• 3:13
  work
• 3:14
  for
• 3:14
  the
• 3:14
  long
• 3:14
  haul?
• 3:15
  Well,
• 3:16
  it's
• 3:16
  sustainable.
• 3:17
  And
• 3:17
  you've
• 3:17
  already
• 3:17
  answered
• 3:17
  your
• 3:18
  own
• 3:18
  question.
• 3:18
  Believe
• 3:18
  it
• 3:18
  or
• 3:19
  not,
• 3:19
  it's
• 3:20
  sustainable
• 3:20
  when
• 3:20
  you
• 3:20
  build
• 3:21
  that
• 3:21
  breathing
• 3:21
  room
• 3:22
  on
• 3:22
  purpose,
• 3:23
  even
• 3:23
  if
• 3:23
  it's
• 3:23
  small.
• 3:25
  So
• 3:25
  here's
• 3:25
  the
• 3:25
  first
• 3:26
  thing
• 3:26
  I'm
• 3:26
  going
• 3:26
  to
• 3:26
  encourage
• 3:26
  you
• 3:26
  to.
• 3:27
  They
• 3:27
  put
• 3:27
  together
• 3:27
  this
• 3:27
  budget,
• 3:28
  and
• 3:28
  it's
• 3:29
  really
• 3:29
  a
• 3:29
  fantasy
• 3:30
  budget.
• 3:30
  Oh,
• 3:31
  it'd
• 3:31
  be
• 3:31
  great
• 3:31
  if
• 3:31
  we
• 3:32
  spent
• 3:32
  this
• 3:32
  much
• 3:32
  on
• 3:33
  this,
• 3:33
  and
• 3:33
  it'd
• 3:33
  be
• 3:33
  great
• 3:33
  if
• 3:34
  we
• 3:34
  spent
• 3:34
  this
• 3:34
  much
• 3:35
  on
• 3:35
  this.
• 3:36
  And
• 3:36
  a
• 3:36
  lot
• 3:36
  of
• 3:36
  times
• 3:37
  the
• 3:37
  problem
• 3:37
  is
• 3:37
  that
• 3:37
  budget
• 3:38
  is
• 3:38
  not
• 3:38
  a
• 3:38
  budget.
• 3:39
  It's
• 3:39
  hope.
• 3:40
  I
• 3:40
  am
• 3:41
  a
• 3:41
  big
• 3:41
  believer
• 3:41
  in
• 3:41
  hope.
• 3:41
  If
• 3:42
  you
• 3:42
  listen
• 3:42
  to
• 3:42
  my
• 3:42
  show,
• 3:42
  you
• 3:43
  know
• 3:43
  I'm
• 3:43
  all
• 3:43
  about
• 3:43
  hope.
• 3:44
  But
• 3:45
  when
• 3:45
  it
• 3:45
  comes
• 3:45
  to
• 3:45
  budgets,
• 3:46
  you
• 3:46
  got
• 3:47
  to
• 3:47
  be
• 3:47
  real.
• 3:48
  This
• 3:48
  can't
• 3:49
  be
• 3:49
  a
• 3:49
  situation
• 3:49
  of
• 3:50
  where
• 3:50
  you
• 3:50
  hope
• 3:50
  you
• 3:51
  can
• 3:51
  spend
• 3:51
  this
• 3:52
  versus
• 3:52
  what
• 3:52
  you
• 3:53
  actually
• 3:53
  Spend
• 3:53
  here.
• 3:54
  Here's
• 3:54
  a
• 3:54
  big
• 3:54
  takeaway.
• 3:54
  I'm
• 3:54
  gonna
• 3:55
  give
• 3:55
  you
• 3:55
  some
• 3:55
  great
• 3:55
  stuff
• 3:56
  right
• 3:56
  here
• 3:56
  at
• 3:56
  the
• 3:56
  beginning.
• 3:57
  When
• 3:57
  you're
• 3:57
  doing
• 3:57
  a
• 3:58
  budget,
• 3:58
  the
• 3:58
  number
• 3:59
  one
• 3:59
  rule
• 4:00
  is
• 4:00
  take
• 4:00
  a
• 4:00
  look
• 4:00
  at
• 4:01
  what
• 4:01
  you're
• 4:01
  actually
• 4:01
  spending
• 4:02
  as
• 4:03
  you're
• 4:03
  building
• 4:03
  that
• 4:03
  budget
• 4:04
  number.
• 4:05
  We'll
• 4:05
  talk
• 4:05
  about
• 4:05
  groceries
• 4:06
  in
• 4:06
  the
• 4:06
  next
• 4:06
  couple
• 4:06
  days.
• 4:07
  But
• 4:07
  as
• 4:08
  you're
• 4:08
  thinking
• 4:08
  about
• 4:08
  this
• 4:09
  budget,
• 4:09
  you've
• 4:09
  got
• 4:10
  to
• 4:10
  adjust
• 4:10
  those
• 4:10
  categories.
• 4:11
  If
• 4:11
  you
• 4:11
  put
• 4:12
  together
• 4:12
  a
• 4:12
  budget,
• 4:12
  because
• 4:12
  let's
• 4:13
  say
• 4:13
  your
• 4:13
  income
• 4:13
  is
• 4:13
  kind
• 4:14
  of
• 4:14
  tight
• 4:14
  and
• 4:14
  you're
• 4:15
  like,
• 4:15
  ralph,
• 4:15
  we
• 4:15
  can
• 4:15
  only
• 4:15
  spend
• 4:16
  so
• 4:16
  much
• 4:16
  money,
• 4:17
  you're
• 4:18
  setting
• 4:18
  yourself
• 4:18
  up
• 4:18
  for
• 4:19
  failure
• 4:19
  in
• 4:19
  that
• 4:20
  you
• 4:20
  got
• 4:21
  to
• 4:21
  adjust
• 4:21
  these
• 4:21
  things,
• 4:22
  Go
• 4:22
  through
• 4:22
  your
• 4:22
  budget
• 4:23
  and
• 4:23
  do
• 4:23
  this.
• 4:24
  If
• 4:24
  something
• 4:24
  is
• 4:25
  more
• 4:25
  of
• 4:25
  a
• 4:25
  hope
• 4:25
  number,
• 4:26
  circle
• 4:26
  it,
• 4:27
  because
• 4:27
  it's
• 4:27
  not
• 4:27
  going
• 4:27
  to
• 4:28
  play
• 4:28
  out.
• 4:28
  If
• 4:28
  you
• 4:28
  don't,
• 4:28
  you
• 4:28
  can't
• 4:29
  do
• 4:29
  it.
• 4:29
  Maybe
• 4:29
  you'll
• 4:29
  need
• 4:29
  to
• 4:30
  adjust
• 4:30
  that
• 4:30
  grocery
• 4:31
  budget.
• 4:32
  Guess
• 4:32
  that
• 4:32
  gas
• 4:32
  budget.
• 4:33
  Or
• 4:33
  maybe
• 4:33
  get
• 4:34
  back
• 4:34
  to
• 4:34
  that.
• 4:34
  What
• 4:34
  is
• 4:35
  the
• 4:35
  lowest
• 4:35
  repeatable
• 4:36
  number
• 4:36
  that
• 4:36
  we
• 4:36
  can
• 4:36
  live
• 4:37
  on?
• 4:38
  Because,
• 4:38
  listen,
• 4:38
  if
• 4:39
  it's
• 4:39
  too
• 4:39
  low
• 4:39
  to
• 4:39
  live
• 4:40
  on,
• 4:40
  that's
• 4:40
  not
• 4:40
  a
• 4:40
  budget.
• 4:41
  You
• 4:41
  know
• 4:41
  what
• 4:42
  you've
• 4:42
  created?
• 4:42
  You've
• 4:42
  created
• 4:43
  a
• 4:43
  stress
• 4:43
  plan,
• 4:44
  and
• 4:44
  nobody
• 4:45
  wants
• 4:45
  to
• 4:45
  live
• 4:45
  in
• 4:45
  stress.
• 4:46
  So
• 4:46
  go
• 4:46
  look
• 4:46
  at
• 4:46
  that.
• 4:46
  Get
• 4:47
  out
• 4:47
  of
• 4:47
  that
• 4:47
  fantasy
• 4:48
  world
• 4:49
  and
• 4:49
  go
• 4:49
  say,
• 4:49
  what
• 4:50
  are
• 4:50
  the
• 4:50
  real
• 4:50
  numbers?
• 4:51
  Here's
• 4:52
  another
• 4:52
  thing
• 4:52
  I'm
• 4:52
  going
• 4:52
  to
• 4:52
  encourage
• 4:53
  you
• 4:53
  to
• 4:53
  do,
• 4:53
  and
• 4:53
  this
• 4:53
  is
• 4:53
  a
• 4:53
  real
• 4:54
  practical
• 4:54
  talk
• 4:54
  today.
• 4:55
  Create
• 4:56
  a
• 4:56
  tiny
• 4:56
  life
• 4:57
  happens
• 4:57
  line
• 4:58
  item.
• 4:58
  You
• 4:58
  might
• 4:58
  be
• 4:59
  saying,
• 4:59
  oh,
• 4:59
  okay,
• 4:59
  where
• 4:59
  is
• 4:59
  he
• 5:00
  going
• 5:00
  with
• 5:00
  this
• 5:00
  one?
• 5:01
  Guess
• 5:01
  what?
• 5:01
  Here's
• 5:02
  what
• 5:02
  I've
• 5:02
  learned.
• 5:02
  Been
• 5:03
  around
• 5:03
  this
• 5:03
  Earth
• 5:03
  for
• 5:04
  53
• 5:04
  years.
• 5:05
  Life
• 5:05
  happens.
• 5:07
  It
• 5:07
  just
• 5:07
  does.
• 5:09
  Small
• 5:09
  surprises.
• 5:11
  You
• 5:11
  get
• 5:11
  a
• 5:11
  cold,
• 5:12
  you
• 5:12
  get
• 5:12
  an
• 5:12
  infection,
• 5:13
  you
• 5:13
  got
• 5:13
  to
• 5:13
  go
• 5:13
  get
• 5:13
  an
• 5:13
  antibiotic.
• 5:14
  You
• 5:14
  weren't
• 5:14
  expecting
• 5:15
  it
• 5:15
  to
• 5:15
  be
• 5:15
  $50
• 5:16
  at
• 5:16
  the
• 5:16
  pharmacy
• 5:17
  or
• 5:17
  your
• 5:17
  kids
• 5:17
  are
• 5:17
  sick.
• 5:18
  School
• 5:19
  fee
• 5:19
  comes
• 5:19
  up.
• 5:20
  Maybe
• 5:20
  you're
• 5:20
  unlucky
• 5:21
  and
• 5:21
  you
• 5:21
  get
• 5:21
  a
• 5:21
  tired.
• 5:21
  It's
• 5:22
  got
• 5:22
  a
• 5:22
  hole
• 5:22
  in
• 5:22
  it.
• 5:22
  You
• 5:22
  got
• 5:23
  to
• 5:23
  go
• 5:23
  patch
• 5:23
  it.
• 5:23
  These
• 5:24
  aren't
• 5:24
  splurges
• 5:24
  I'm
• 5:25
  talking
• 5:25
  about.
• 5:25
  These
• 5:26
  are
• 5:26
  surprises.
• 5:26
  But
• 5:27
  guess
• 5:27
  what?
• 5:27
  They
• 5:27
  happen
• 5:27
  to
• 5:28
  all
• 5:28
  of
• 5:28
  us.
• 5:28
  Even
• 5:29
  all
• 5:29
  of
• 5:29
  us
• 5:30
  that
• 5:30
  have
• 5:30
  budgets.
• 5:32
  So
• 5:32
  start
• 5:32
  building
• 5:32
  in
• 5:33
  maybe
• 5:33
  20
• 5:33
  or
• 5:34
  $15
• 5:35
  or
• 5:35
  10,
• 5:35
  even
• 5:35
  if
• 5:35
  $10
• 5:36
  into
• 5:37
  that
• 5:37
  life
• 5:37
  happens
• 5:38
  account.
• 5:39
  And
• 5:39
  then
• 5:39
  when
• 5:40
  a
• 5:40
  surprise
• 5:40
  hits,
• 5:40
  you
• 5:41
  don't
• 5:41
  blow
• 5:41
  your
• 5:41
  budget
• 5:42
  because
• 5:42
  you
• 5:42
  use
• 5:43
  the
• 5:43
  plan
• 5:43
  you've
• 5:43
  already
• 5:43
  created,
• 5:44
  that
• 5:44
  life
• 5:45
  happens
• 5:45
  thing.
• 5:46
  When
• 5:46
  I
• 5:46
  look
• 5:46
  at
• 5:46
  a
• 5:46
  new
• 5:47
  couple
• 5:47
  putting
• 5:47
  a
• 5:47
  budget
• 5:48
  together,
• 5:48
  the
• 5:49
  first
• 5:49
  thing
• 5:49
  I
• 5:49
  add
• 5:49
  is,
• 5:50
  where's
• 5:50
  your
• 5:50
  life
• 5:50
  happens
• 5:51
  budget
• 5:51
  liner?
• 5:52
  Look
• 5:52
  at
• 5:52
  me
• 5:52
  like
• 5:52
  I'm
• 5:53
  crazy.
• 5:53
  Life
• 5:54
  happens.
• 5:55
  Is
• 5:55
  there
• 5:56
  nothing
• 5:56
  I'm
• 5:56
  going
• 5:56
  to
• 5:56
  encourage
• 5:56
  you
• 5:57
  to
• 5:57
  do?
• 5:57
  As
• 5:57
  you're
• 5:58
  building
• 5:58
  that
• 5:58
  budget,
• 5:59
  build
• 5:59
  what
• 5:59
  I
• 6:00
  call
• 6:00
  a
• 6:00
  three
• 6:00
  level
• 6:01
  version
• 6:01
  of
• 6:01
  the
• 6:01
  budget.
• 6:03
  And
• 6:03
  now
• 6:03
  you're
• 6:03
  thinking,
• 6:04
  oh,
• 6:04
  Ralph,
• 6:04
  you
• 6:04
  already
• 6:04
  had
• 6:05
  me
• 6:05
  build
• 6:05
  a
• 6:05
  budget,
• 6:05
  but
• 6:05
  now
• 6:06
  you're
• 6:06
  saying
• 6:06
  we
• 6:06
  got
• 6:06
  to
• 6:06
  build
• 6:06
  three
• 6:06
  levels.
• 6:07
  Yes.
• 6:08
  If
• 6:08
  you
• 6:08
  want
• 6:08
  this
• 6:08
  to
• 6:08
  be
• 6:09
  effective,
• 6:09
  you
• 6:09
  want
• 6:09
  it
• 6:10
  to
• 6:10
  work,
• 6:10
  you
• 6:10
  want
• 6:10
  it
• 6:11
  to
• 6:11
  get
• 6:11
  through
• 6:11
  those
• 6:11
  lean
• 6:12
  months,
• 6:12
  create
• 6:13
  three
• 6:13
  levels.
• 6:13
  I'm
• 6:13
  going
• 6:13
  to
• 6:14
  call
• 6:14
  them
• 6:14
  green,
• 6:14
  yellow,
• 6:15
  and
• 6:15
  red.
• 6:16
  Let's
• 6:16
  talk
• 6:16
  about
• 6:16
  each
• 6:16
  of
• 6:17
  those
• 6:17
  right
• 6:17
  now.
• 6:18
  Green.
• 6:18
  That's
• 6:18
  a
• 6:19
  normal.
• 6:19
  Think
• 6:19
  about
• 6:19
  it
• 6:19
  like
• 6:20
  you're
• 6:20
  driving
• 6:20
  in
• 6:20
  your
• 6:20
  car.
• 6:21
  You're
• 6:21
  driving
• 6:21
  down
• 6:21
  the
• 6:22
  road,
• 6:22
  light
• 6:22
  in
• 6:22
  front
• 6:22
  of
• 6:23
  you,
• 6:23
  it's
• 6:23
  green.
• 6:23
  It's
• 6:24
  a
• 6:24
  normal
• 6:24
  month.
• 6:25
  What
• 6:25
  you
• 6:25
  wrote
• 6:26
  for
• 6:26
  your
• 6:26
  budget
• 6:26
  works.
• 6:27
  It
• 6:27
  was
• 6:27
  green
• 6:27
  light,
• 6:28
  we're
• 6:28
  going,
• 6:28
  we're
• 6:28
  fantastic.
• 6:29
  Everything
• 6:30
  is
• 6:30
  good,
• 6:31
  everything
• 6:31
  is
• 6:31
  working.
• 6:32
  Then
• 6:32
  all
• 6:32
  of
• 6:33
  a
• 6:33
  sudden,
• 6:33
  you're
• 6:33
  approaching
• 6:34
  the
• 6:34
  intersection
• 6:35
  and
• 6:35
  the
• 6:35
  light
• 6:36
  turns
• 6:36
  yellow.
• 6:37
  Let's
• 6:37
  apply
• 6:38
  this
• 6:38
  to
• 6:38
  your
• 6:38
  budget.
• 6:39
  It's
• 6:39
  a
• 6:39
  tight
• 6:40
  month.
• 6:40
  Maybe
• 6:41
  your
• 6:41
  income
• 6:41
  dropped
• 6:42
  a
• 6:42
  little
• 6:42
  bit,
• 6:43
  you
• 6:43
  didn't
• 6:43
  get
• 6:43
  the
• 6:43
  overtime
• 6:44
  you
• 6:44
  were
• 6:44
  counting
• 6:45
  on,
• 6:45
  or
• 6:45
  some
• 6:45
  life
• 6:46
  happens
• 6:46
  thing
• 6:47
  happened.
• 6:48
  Go
• 6:48
  look
• 6:48
  at
• 6:48
  your
• 6:48
  budget
• 6:49
  and
• 6:49
  have
• 6:49
  three,
• 6:49
  what
• 6:50
  I
• 6:50
  call
• 6:50
  flex
• 6:50
  items.
• 6:51
  Maybe
• 6:51
  that's
• 6:52
  eating
• 6:52
  out.
• 6:53
  Maybe
• 6:53
  that's
• 6:53
  your
• 6:53
  money,
• 6:54
  your
• 6:54
  fun
• 6:54
  money,
• 6:55
  your
• 6:55
  Amazon
• 6:55
  money.
• 6:56
  But
• 6:56
  know
• 6:56
  what
• 6:57
  those
• 6:57
  things
• 6:57
  are
• 6:57
  ahead
• 6:57
  of
• 6:57
  time?
• 6:58
  These
• 6:58
  are
• 6:58
  my
• 6:58
  yellow
• 6:59
  accounts.
• 6:59
  If
• 6:59
  I've
• 6:59
  got
• 6:59
  to
• 6:59
  cut
• 7:00
  back,
• 7:00
  if
• 7:01
  we're
• 7:01
  in
• 7:01
  that,
• 7:01
  hey,
• 7:01
  we
• 7:02
  got
• 7:02
  a
• 7:02
  caution
• 7:02
  flag
• 7:02
  up
• 7:03
  here.
• 7:03
  This
• 7:03
  is
• 7:04
  where
• 7:04
  we're
• 7:04
  going
• 7:04
  to
• 7:04
  flex.
• 7:05
  Know
• 7:05
  that
• 7:06
  ahead
• 7:06
  of
• 7:06
  time.
• 7:07
  Green.
• 7:08
  Great,
• 7:08
  keep
• 7:09
  moving.
• 7:09
  Yellow.
• 7:10
  Oh,
• 7:10
  slow
• 7:10
  down
• 7:11
  here.
• 7:11
  I
• 7:11
  got
• 7:11
  a
• 7:11
  couple
• 7:11
  things
• 7:11
  I
• 7:12
  needed
• 7:12
  to
• 7:12
  pause
• 7:12
  on.
• 7:13
  Now
• 7:13
  where
• 7:14
  we
• 7:14
  go
• 7:14
  last,
• 7:14
  the
• 7:15
  red
• 7:15
  month.
• 7:16
  That's
• 7:16
  your
• 7:16
  emergency
• 7:17
  month.
• 7:17
  Things
• 7:18
  are
• 7:18
  not
• 7:18
  good
• 7:18
  right
• 7:18
  here.
• 7:19
  Now
• 7:20
  that's
• 7:20
  when
• 7:20
  you
• 7:20
  got
• 7:20
  to
• 7:21
  protect
• 7:21
  what
• 7:21
  I
• 7:21
  call
• 7:21
  the
• 7:22
  four
• 7:22
  walls.
• 7:23
  The
• 7:23
  top
• 7:23
  of
• 7:23
  your
• 7:24
  budget.
• 7:24
  And
• 7:24
  I
• 7:24
  think
• 7:24
  you
• 7:24
  should
• 7:25
  rate
• 7:25
  your
• 7:25
  budget
• 7:25
  in
• 7:25
  these
• 7:26
  categories.
• 7:27
  The
• 7:27
  four
• 7:27
  walls
• 7:28
  start
• 7:28
  at
• 7:28
  the
• 7:28
  top.
• 7:29
  Housing,
• 7:30
  utilities,
• 7:31
  food
• 7:31
  and
• 7:32
  transportation.
• 7:33
  You
• 7:33
  gotta
• 7:33
  have
• 7:33
  a
• 7:33
  place
• 7:34
  to
• 7:34
  live.
• 7:34
  You
• 7:34
  gotta
• 7:34
  have
• 7:34
  utilities
• 7:35
  on
• 7:35
  lights
• 7:36
  and
• 7:36
  all
• 7:36
  those
• 7:36
  things.
• 7:36
  They're
• 7:36
  not
• 7:36
  luxuries.
• 7:37
  That's
• 7:37
  what
• 7:37
  you
• 7:37
  need
• 7:37
  to
• 7:38
  have.
• 7:38
  You
• 7:38
  gotta
• 7:39
  eat.
• 7:40
  And
• 7:40
  if
• 7:40
  you
• 7:40
  want
• 7:40
  to
• 7:40
  keep
• 7:40
  working,
• 7:41
  whatever
• 7:42
  you're
• 7:42
  doing,
• 7:42
  you
• 7:42
  got
• 7:42
  to
• 7:42
  have
• 7:43
  transportation.
• 7:43
  So
• 7:43
  start
• 7:44
  there
• 7:44
  at
• 7:44
  the
• 7:44
  top
• 7:44
  of
• 7:44
  your
• 7:45
  budget.
• 7:46
  Housing,
• 7:46
  utilities,
• 7:48
  food
• 7:48
  and
• 7:48
  transportation.
• 7:49
  And
• 7:49
  when
• 7:49
  you
• 7:49
  find
• 7:50
  yourself
• 7:50
  in
• 7:50
  that
• 7:50
  red
• 7:51
  month,
• 7:52
  you
• 7:53
  may
• 7:53
  not
• 7:53
  get
• 7:53
  past
• 7:53
  those.
• 7:54
  That
• 7:55
  may
• 7:55
  be,
• 7:55
  hey,
• 7:55
  we
• 7:55
  can
• 7:56
  only
• 7:56
  afford
• 7:56
  housing
• 7:57
  this
• 7:57
  month.
• 7:57
  We
• 7:57
  can
• 7:57
  only
• 7:58
  afford
• 7:58
  the
• 7:58
  utilities.
• 7:59
  We
• 7:59
  can
• 7:59
  only
• 7:59
  afford
• 8:00
  food
• 8:00
  and
• 8:00
  transportation.
• 8:01
  There
• 8:01
  is
• 8:01
  no
• 8:02
  fun
• 8:02
  money
• 8:02
  this
• 8:02
  month.
• 8:03
  There
• 8:03
  is
• 8:03
  no,
• 8:04
  I'd
• 8:04
  like
• 8:04
  to
• 8:04
  do
• 8:05
  things
• 8:05
  this
• 8:05
  month.
• 8:06
  There
• 8:06
  is.
• 8:07
  We're
• 8:07
  in
• 8:07
  the
• 8:07
  red
• 8:08
  zone.
• 8:08
  But
• 8:08
  here's
• 8:08
  why
• 8:09
  I
• 8:09
  like
• 8:09
  this.
• 8:09
  Because
• 8:10
  when
• 8:10
  you
• 8:10
  have
• 8:10
  this
• 8:11
  planned
• 8:11
  ahead
• 8:11
  of
• 8:11
  time,
• 8:12
  you
• 8:12
  don't
• 8:13
  live
• 8:13
  in
• 8:13
  fear
• 8:13
  because
• 8:13
  you're
• 8:14
  like,
• 8:14
  okay,
• 8:14
  it's
• 8:14
  a
• 8:14
  red
• 8:14
  month.
• 8:15
  Ralph
• 8:15
  told
• 8:15
  us
• 8:15
  about
• 8:16
  this
• 8:16
  red
• 8:17
  month.
• 8:17
  Here's
• 8:17
  what
• 8:17
  we
• 8:17
  do.
• 8:18
  We
• 8:18
  go
• 8:18
  to
• 8:18
  the
• 8:18
  red
• 8:18
  zone,
• 8:19
  like,
• 8:19
  you
• 8:19
  know,
• 8:20
  defcom
• 8:20
  red.
• 8:20
  We're
• 8:21
  gonna
• 8:21
  do
• 8:21
  this,
• 8:22
  but
• 8:22
  the
• 8:23
  fear
• 8:23
  is
• 8:23
  gone
• 8:23
  because
• 8:24
  you
• 8:24
  know
• 8:24
  what
• 8:24
  you're
• 8:24
  going
• 8:25
  to
• 8:25
  do.
• 8:26
  Here's
• 8:26
  another
• 8:26
  thing.
• 8:27
  I'm
• 8:27
  gonna
• 8:27
  address
• 8:27
  your
• 8:27
  question
• 8:28
  directly.
• 8:28
  You
• 8:29
  said
• 8:29
  we're
• 8:29
  living
• 8:29
  really
• 8:30
  tight.
• 8:30
  Find
• 8:31
  one
• 8:31
  what
• 8:31
  I'll
• 8:31
  call
• 8:32
  Roommaker
• 8:32
  this
• 8:33
  week.
• 8:34
  Just
• 8:34
  one
• 8:34
  cut
• 8:34
  or
• 8:35
  one
• 8:35
  boost.
• 8:35
  Here's
• 8:36
  one.
• 8:36
  I
• 8:36
  always
• 8:37
  call
• 8:37
  this
• 8:37
  death
• 8:37
  by
• 8:38
  a
• 8:38
  thousand
• 8:38
  cuts.
• 8:39
  So
• 8:39
  many
• 8:39
  of
• 8:39
  us
• 8:39
  have
• 8:40
  a
• 8:40
  million
• 8:40
  subscriptions.
• 8:41
  We've
• 8:41
  got
• 8:42
  Hulu
• 8:42
  and
• 8:42
  Netflix
• 8:43
  and
• 8:43
  this
• 8:43
  and
• 8:43
  that
• 8:44
  and
• 8:44
  the
• 8:44
  other
• 8:44
  thing.
• 8:45
  Cut
• 8:46
  one
• 8:46
  of
• 8:46
  those.
• 8:47
  Give
• 8:47
  yourself
• 8:47
  some
• 8:48
  room.
• 8:48
  Maybe
• 8:48
  it's
• 8:49
  one
• 8:49
  convenience
• 8:49
  habit.
• 8:50
  Maybe
• 8:50
  you
• 8:50
  like
• 8:50
  picking
• 8:50
  up
• 8:51
  coffee
• 8:51
  on
• 8:51
  the
• 8:51
  way
• 8:51
  to
• 8:51
  work,
• 8:52
  or
• 8:52
  you
• 8:52
  like
• 8:52
  to
• 8:52
  eat
• 8:52
  out
• 8:52
  for
• 8:53
  breakfast
• 8:53
  or
• 8:53
  lunch.
• 8:54
  I'm
• 8:55
  sorry,
• 8:55
  but
• 8:55
  maybe
• 8:55
  we're
• 8:56
  in
• 8:56
  the
• 8:56
  yellow
• 8:56
  zone
• 8:56
  or
• 8:57
  we're
• 8:57
  in
• 8:57
  the
• 8:57
  red
• 8:57
  zone.
• 8:58
  You
• 8:58
  cut
• 8:58
  one
• 8:58
  of
• 8:58
  those
• 8:58
  convenience
• 8:59
  habits
• 8:59
  this
• 9:00
  week.
• 9:00
  Maybe
• 9:00
  you
• 9:01
  look
• 9:01
  at
• 9:01
  your
• 9:01
  budget.
• 9:01
  Say,
• 9:02
  can
• 9:02
  I
• 9:02
  find
• 9:03
  the
• 9:03
  leaks?
• 9:04
  If
• 9:04
  you
• 9:05
  were
• 9:05
  on
• 9:05
  a
• 9:05
  boat
• 9:05
  and
• 9:06
  all
• 9:06
  of
• 9:06
  a
• 9:06
  sudden
• 9:06
  you're
• 9:06
  in
• 9:06
  the
• 9:07
  middle
• 9:07
  of
• 9:07
  the
• 9:07
  pond
• 9:07
  and
• 9:07
  you're
• 9:08
  starting
• 9:08
  to
• 9:08
  see
• 9:08
  water
• 9:08
  coming
• 9:09
  into
• 9:09
  the
• 9:09
  boat,
• 9:09
  what's
• 9:09
  the
• 9:09
  first
• 9:10
  thing
• 9:10
  you
• 9:10
  do?
• 9:10
  You
• 9:11
  start
• 9:11
  looking
• 9:11
  around,
• 9:11
  are
• 9:12
  there
• 9:12
  any
• 9:12
  leaks
• 9:12
  in
• 9:12
  this
• 9:13
  boat?
• 9:13
  Do
• 9:14
  the
• 9:14
  same
• 9:14
  thing
• 9:14
  with
• 9:14
  your
• 9:15
  budget.
• 9:16
  Now
• 9:16
  maybe
• 9:16
  you're
• 9:16
  saying,
• 9:17
  ralph,
• 9:17
  listen,
• 9:17
  I've
• 9:18
  cut
• 9:18
  everything.
• 9:19
  This
• 9:19
  is
• 9:19
  lean,
• 9:19
  mean.
• 9:20
  We
• 9:20
  got
• 9:20
  no
• 9:20
  convenience.
• 9:21
  We're
• 9:21
  living
• 9:22
  on
• 9:22
  beans
• 9:22
  and
• 9:22
  rice.
• 9:24
  Well,
• 9:24
  maybe
• 9:24
  right
• 9:24
  now
• 9:25
  you've
• 9:25
  got
• 9:25
  to
• 9:25
  figure
• 9:25
  out,
• 9:25
  I
• 9:26
  got
• 9:26
  to
• 9:26
  boost
• 9:26
  something
• 9:26
  here.
• 9:28
  Maybe
• 9:28
  reach
• 9:28
  out
• 9:28
  to
• 9:28
  your
• 9:28
  employer.
• 9:29
  Say,
• 9:29
  hey,
• 9:29
  can
• 9:29
  I
• 9:29
  pick
• 9:29
  up
• 9:30
  an
• 9:30
  extra
• 9:30
  shift?
• 9:31
  Can
• 9:31
  I
• 9:31
  work
• 9:31
  an
• 9:32
  extra
• 9:32
  little
• 9:32
  side
• 9:33
  hustle?
• 9:33
  Listen,
• 9:34
  when
• 9:34
  I
• 9:34
  used
• 9:34
  to
• 9:35
  do
• 9:35
  collection
• 9:35
  work,
• 9:35
  I
• 9:35
  used
• 9:35
  to
• 9:36
  run
• 9:36
  a
• 9:36
  credit
• 9:36
  union,
• 9:36
  and
• 9:37
  I
• 9:37
  used
• 9:37
  to
• 9:37
  do
• 9:37
  collection
• 9:38
  work.
• 9:38
  And
• 9:38
  I
• 9:38
  would
• 9:38
  get
• 9:39
  on
• 9:39
  the
• 9:39
  phone
• 9:39
  sometimes
• 9:39
  with
• 9:39
  people
• 9:40
  and
• 9:40
  I
• 9:40
  would
• 9:40
  say,
• 9:40
  hey,
• 9:41
  I
• 9:41
  need
• 9:41
  you
• 9:41
  to
• 9:41
  pay
• 9:41
  your
• 9:41
  bill.
• 9:42
  I
• 9:42
  don't
• 9:42
  have
• 9:42
  anything.
• 9:42
  I'm
• 9:43
  like,
• 9:43
  can
• 9:44
  you
• 9:44
  sell
• 9:44
  something?
• 9:44
  Is
• 9:45
  there
• 9:45
  something
• 9:45
  that's
• 9:45
  sitting
• 9:46
  around
• 9:46
  you're
• 9:46
  not
• 9:46
  using?
• 9:47
  It's
• 9:47
  a
• 9:47
  great
• 9:47
  way
• 9:48
  to
• 9:48
  give
• 9:48
  yourself
• 9:48
  a
• 9:48
  little
• 9:48
  budget
• 9:49
  infusion.
• 9:50
  Find
• 9:50
  an
• 9:50
  item
• 9:50
  to
• 9:51
  sell.
• 9:51
  Maybe
• 9:51
  you
• 9:51
  do
• 9:52
  a
• 9:52
  quick
• 9:52
  service
• 9:52
  gig.
• 9:53
  We've
• 9:53
  talked
• 9:53
  about
• 9:53
  that
• 9:53
  on
• 9:53
  the
• 9:53
  show
• 9:54
  before.
• 9:54
  You
• 9:54
  can
• 9:54
  go
• 9:54
  back
• 9:54
  and
• 9:55
  check
• 9:55
  out
• 9:55
  some
• 9:55
  of
• 9:55
  our
• 9:55
  episodes.
• 9:56
  I
• 9:56
  about
• 9:56
  doing
• 9:56
  some
• 9:57
  side
• 9:57
  work.
• 9:58
  But
• 9:59
  when
• 9:59
  you
• 9:59
  do
• 9:59
  that,
• 9:59
  assign
• 10:00
  that
• 10:00
  money
• 10:00
  only
• 10:01
  to
• 10:01
  that
• 10:01
  breathing
• 10:02
  room.
• 10:02
  Put
• 10:03
  it
• 10:03
  in
• 10:03
  that
• 10:03
  life
• 10:03
  happens
• 10:04
  or
• 10:04
  in
• 10:04
  that
• 10:05
  starter
• 10:05
  emergency
• 10:06
  buffer.
• 10:07
  Here's
• 10:07
  another
• 10:07
  thing
• 10:07
  I'm
• 10:07
  going
• 10:08
  to
• 10:08
  encourage
• 10:08
  you
• 10:08
  to
• 10:08
  do,
• 10:08
  run
• 10:09
  a
• 10:09
  seven
• 10:09
  day
• 10:10
  reset
• 10:11
  instead
• 10:11
  of
• 10:11
  judging
• 10:12
  the
• 10:12
  homework.
• 10:12
  A
• 10:12
  lot
• 10:12
  of
• 10:12
  people
• 10:13
  say
• 10:13
  em,
• 10:14
  and
• 10:14
  I
• 10:14
  kind
• 10:14
  of
• 10:14
  hear
• 10:14
  it
• 10:14
  in
• 10:14
  your
• 10:14
  question
• 10:15
  today.
• 10:15
  You're
• 10:15
  like,
• 10:15
  ralph,
• 10:16
  I
• 10:16
  set
• 10:16
  up
• 10:16
  this
• 10:16
  budget.
• 10:17
  It's
• 10:17
  super
• 10:17
  tight,
• 10:18
  but
• 10:18
  I
• 10:19
  just
• 10:19
  don't
• 10:19
  know
• 10:19
  it's
• 10:20
  going
• 10:20
  to
• 10:20
  work.
• 10:21
  I
• 10:21
  was
• 10:21
  having
• 10:21
  a
• 10:21
  long
• 10:21
  discussion
• 10:22
  with
• 10:22
  my
• 10:22
  son
• 10:22
  yesterday.
• 10:23
  My
• 10:23
  youngest
• 10:23
  son's
• 10:24
  kind
• 10:24
  of
• 10:24
  a
• 10:24
  negative
• 10:24
  dude,
• 10:25
  right?
• 10:25
  He's
• 10:25
  always,
• 10:25
  oh,
• 10:26
  this
• 10:26
  is
• 10:26
  never
• 10:26
  going
• 10:26
  to
• 10:26
  work.
• 10:26
  And
• 10:27
  I
• 10:27
  say
• 10:27
  son,
• 10:27
  when
• 10:28
  you
• 10:28
  phrase
• 10:28
  it
• 10:28
  in
• 10:29
  that
• 10:29
  mindset,
• 10:30
  it's
• 10:31
  not
• 10:31
  going
• 10:31
  to
• 10:31
  work
• 10:31
  because
• 10:32
  you've
• 10:32
  already
• 10:32
  determined
• 10:33
  it's
• 10:33
  not
• 10:33
  going
• 10:33
  to
• 10:33
  work.
• 10:34
  So
• 10:34
  change
• 10:34
  your
• 10:35
  mindset
• 10:36
  every
• 10:36
  night.
• 10:37
  Just
• 10:37
  check
• 10:37
  in
• 10:38
  in
• 10:38
  two
• 10:38
  months,
• 10:38
  see
• 10:38
  how
• 10:38
  things
• 10:38
  are
• 10:39
  going.
• 10:39
  Two
• 10:39
  minutes
• 10:40
  doesn't
• 10:40
  take
• 10:41
  any
• 10:41
  time
• 10:41
  at
• 10:41
  all.
• 10:41
  If
• 10:42
  you
• 10:42
  thought
• 10:42
  we
• 10:42
  were
• 10:42
  going
• 10:42
  to
• 10:43
  spend
• 10:43
  this
• 10:43
  much
• 10:43
  on
• 10:43
  groceries,
• 10:44
  look
• 10:44
  at
• 10:44
  what
• 10:44
  you're
• 10:44
  actually
• 10:44
  spending.
• 10:45
  If
• 10:45
  you
• 10:45
  thought
• 10:45
  you're
• 10:46
  going
• 10:46
  to
• 10:46
  spend
• 10:46
  this
• 10:46
  much
• 10:46
  on
• 10:47
  utilities,
• 10:47
  here's
• 10:47
  what
• 10:48
  we're
• 10:48
  actually
• 10:48
  spending.
• 10:49
  And
• 10:49
  when
• 10:49
  you
• 10:49
  start
• 10:50
  to
• 10:50
  drift,
• 10:50
  don't
• 10:50
  throw
• 10:51
  the
• 10:51
  whole
• 10:51
  budget
• 10:51
  away.
• 10:52
  You've
• 10:52
  done
• 10:53
  so
• 10:53
  much
• 10:53
  good
• 10:53
  work.
• 10:54
  Just
• 10:54
  reassign
• 10:55
  a
• 10:55
  little
• 10:55
  bit.
• 10:55
  Shift
• 10:55
  stuff
• 10:56
  around.
• 10:56
  Yes.
• 10:57
  Maybe
• 10:57
  your
• 10:58
  housing
• 10:58
  and
• 10:58
  utility
• 10:59
  costs
• 10:59
  are
• 10:59
  more
• 10:59
  than
• 10:59
  you
• 11:00
  expected.
• 11:00
  It
• 11:01
  happens.
• 11:01
  Those
• 11:02
  are
• 11:02
  the
• 11:02
  four
• 11:02
  walls
• 11:03
  you've
• 11:03
  got
• 11:03
  to
• 11:03
  protect.
• 11:04
  So
• 11:04
  you
• 11:04
  may
• 11:04
  have
• 11:04
  to
• 11:04
  shift
• 11:04
  stuff.
• 11:05
  Maybe
• 11:05
  you
• 11:05
  take
• 11:06
  money
• 11:06
  away
• 11:06
  from
• 11:06
  those
• 11:06
  fun
• 11:07
  categories
• 11:08
  or
• 11:08
  that
• 11:08
  eating
• 11:08
  out
• 11:09
  category,
• 11:09
  whatever
• 11:10
  that
• 11:10
  looks
• 11:10
  like
• 11:10
  for
• 11:10
  you.
• 11:11
  Because
• 11:11
  even
• 11:12
  $10
• 11:12
  or
• 11:13
  $20
• 11:15
  can
• 11:15
  keep
• 11:15
  you
• 11:16
  in
• 11:16
  progress
• 11:17
  to
• 11:18
  stay
• 11:18
  engaged.
• 11:18
  Because
• 11:19
  it's
• 11:19
  not
• 11:19
  about
• 11:19
  being
• 11:19
  perfect.
• 11:20
  This
• 11:20
  thing,
• 11:20
  big
• 11:21
  takeaway
• 11:21
  for
• 11:21
  today.
• 11:22
  Budgets
• 11:23
  are
• 11:23
  not
• 11:24
  cast
• 11:24
  into
• 11:24
  some
• 11:25
  stone
• 11:25
  tablets
• 11:25
  that
• 11:26
  you
• 11:26
  went
• 11:26
  up
• 11:26
  on
• 11:26
  the
• 11:26
  hill
• 11:27
  with
• 11:27
  Moses
• 11:27
  and
• 11:28
  chiseled
• 11:28
  out.
• 11:29
  A
• 11:29
  budget
• 11:30
  is
• 11:30
  flexible.
• 11:31
  It's
• 11:31
  not
• 11:31
  perfect.
• 11:32
  You
• 11:33
  just
• 11:33
  have
• 11:33
  to
• 11:33
  stay
• 11:34
  engaged
• 11:34
  with
• 11:34
  it.
• 11:36
  So
• 11:36
  here's
• 11:36
  my
• 11:36
  encouragement
• 11:37
  for
• 11:37
  you
• 11:37
  today.
• 11:37
  You
• 11:37
  didn't
• 11:38
  fail
• 11:38
  at
• 11:38
  this.
• 11:38
  Even
• 11:38
  if
• 11:39
  you're
• 11:39
  saying
• 11:39
  to
• 11:39
  me
• 11:39
  right
• 11:39
  now,
• 11:39
  ralph,
• 11:40
  I
• 11:40
  put
• 11:40
  together
• 11:40
  this
• 11:41
  budget
• 11:42
  and
• 11:42
  it's
• 11:42
  not
• 11:42
  working.
• 11:44
  The
• 11:44
  budget
• 11:44
  is
• 11:45
  learning
• 11:45
  your
• 11:45
  life
• 11:45
  and
• 11:45
  you're
• 11:46
  learning
• 11:46
  how
• 11:46
  to
• 11:46
  budget
• 11:46
  better.
• 11:47
  So
• 11:48
  here's
• 11:48
  my
• 11:48
  one
• 11:49
  takeaway
• 11:49
  for
• 11:49
  today.
• 11:49
  And
• 11:50
  we
• 11:50
  talked
• 11:50
  about
• 11:50
  this
• 11:50
  a
• 11:50
  little
• 11:50
  while
• 11:51
  ago.
• 11:51
  Build
• 11:52
  in
• 11:52
  that
• 11:52
  Life
• 11:52
  happens
• 11:53
  account
• 11:54
  and
• 11:54
  just
• 11:54
  put
• 11:54
  $10
• 11:55
  in
• 11:55
  it
• 11:55
  today.
• 11:56
  Just
• 11:56
  something
• 11:56
  minimal.
• 11:57
  Doesn't
• 11:57
  have
• 11:57
  to
• 11:57
  be
• 11:57
  big.
• 11:58
  I'm
• 11:58
  going
• 11:58
  to
• 11:58
  encourage
• 11:58
  you
• 11:59
  to
• 11:59
  keep
• 11:59
  building
• 11:59
  that
• 12:00
  because
• 12:01
  it
• 12:01
  matters.
• 12:01
  It
• 12:02
  turns
• 12:02
  out
• 12:02
  that
• 12:02
  next
• 12:03
  surprise,
• 12:04
  because
• 12:04
  listen,
• 12:05
  life
• 12:05
  is
• 12:05
  sure
• 12:05
  about
• 12:05
  this.
• 12:06
  You're
• 12:06
  going
• 12:06
  to
• 12:06
  have
• 12:06
  surprises,
• 12:08
  but
• 12:08
  it
• 12:08
  turns
• 12:08
  that
• 12:08
  surprise
• 12:09
  from
• 12:09
  a
• 12:09
  crisis
• 12:10
  into
• 12:10
  a
• 12:11
  category.
• 12:12
  Because
• 12:12
  as
• 12:13
  I
• 12:13
  said
• 12:13
  earlier,
• 12:14
  life
• 12:14
  happens.
• 12:15
  It
• 12:15
  happens
• 12:15
  to
• 12:15
  all
• 12:16
  of
• 12:16
  us.
• 12:16
  Well,
• 12:17
  let's
• 12:17
  root
• 12:17
  this
• 12:17
  in
• 12:17
  scripture.
• 12:18
  I
• 12:18
  always
• 12:18
  want
• 12:18
  to
• 12:18
  put
• 12:19
  some
• 12:19
  scripture
• 12:19
  in
• 12:19
  the
• 12:19
  show
• 12:19
  every
• 12:20
  day
• 12:20
  to
• 12:20
  really
• 12:20
  reinforce
• 12:21
  what
• 12:21
  we're
• 12:21
  talking
• 12:21
  about.
• 12:22
  And
• 12:22
  this
• 12:22
  one
• 12:22
  comes
• 12:23
  to
• 12:23
  us
• 12:23
  from
• 12:23
  the
• 12:23
  book
• 12:23
  of
• 12:24
  Philippians,
• 12:24
  chapter
• 12:24
  4:19.
• 12:25
  If
• 12:26
  you've
• 12:26
  listened
• 12:26
  to
• 12:26
  this
• 12:26
  show,
• 12:27
  you
• 12:27
  know,
• 12:27
  I
• 12:27
  use
• 12:27
  this
• 12:28
  frequently
• 12:29
  because
• 12:29
  it
• 12:29
  just
• 12:29
  really
• 12:30
  nails
• 12:30
  what
• 12:30
  we're
• 12:30
  talking
• 12:31
  about.
• 12:31
  Again,
• 12:31
  Philippians
• 12:32
  4:19.
• 12:33
  And
• 12:33
  my
• 12:34
  God
• 12:34
  will
• 12:34
  meet
• 12:34
  all
• 12:35
  of
• 12:35
  your
• 12:35
  needs
• 12:36
  according
• 12:36
  to
• 12:37
  the
• 12:37
  riches
• 12:37
  of
• 12:38
  his
• 12:38
  glory
• 12:38
  in
• 12:39
  Christ
• 12:39
  Jesus.
• 12:41
  All
• 12:41
  of
• 12:42
  our
• 12:42
  needs.
• 12:43
  My
• 12:43
  God,
• 12:44
  your
• 12:44
  God,
• 12:45
  he's
• 12:45
  rich.
• 12:47
  And
• 12:47
  see
• 12:47
  this,
• 12:47
  this
• 12:48
  verse
• 12:48
  helps
• 12:48
  us
• 12:48
  because
• 12:48
  it
• 12:48
  reminds
• 12:49
  you
• 12:49
  that
• 12:49
  provision
• 12:50
  ultimately
• 12:50
  comes
• 12:51
  from
• 12:51
  God.
• 12:53
  It's
• 12:54
  not
• 12:54
  coming
• 12:54
  from
• 12:55
  you.
• 12:55
  So
• 12:55
  even
• 12:55
  if
• 12:56
  you
• 12:56
  build
• 12:56
  a
• 12:56
  wise
• 12:57
  and
• 12:57
  realistic
• 12:57
  plan,
• 12:58
  guess
• 12:58
  what?
• 12:59
  We've
• 12:59
  all
• 13:00
  got
• 13:00
  that
• 13:00
  backstop.
• 13:02
  And
• 13:02
  that
• 13:02
  backstop
• 13:03
  is
• 13:03
  God.
• 13:03
  So
• 13:03
  lean
• 13:04
  into
• 13:04
  that.
• 13:05
  He's
• 13:05
  going
• 13:05
  to
• 13:05
  supply
• 13:06
  all
• 13:06
  your
• 13:06
  needs.
• 13:06
  Now
• 13:06
  listen,
• 13:07
  that
• 13:07
  doesn't
• 13:07
  mean
• 13:08
  he's
• 13:08
  going
• 13:08
  to
• 13:08
  make
• 13:08
  you
• 13:08
  comfortable.
• 13:09
  That
• 13:09
  doesn't
• 13:10
  mean
• 13:10
  he's
• 13:10
  going
• 13:10
  to
• 13:10
  give
• 13:11
  you
• 13:11
  everything
• 13:11
  you
• 13:11
  ever
• 13:12
  wanted.
• 13:12
  But
• 13:12
  what
• 13:12
  does
• 13:13
  it
• 13:13
  say
• 13:13
  here?
• 13:14
  He's
• 13:14
  going
• 13:14
  to
• 13:14
  meet
• 13:15
  your
• 13:15
  needs.
• 13:17
  Lean
• 13:17
  into
• 13:18
  that
• 13:18
  today.
• 13:19
  How
• 13:19
  about
• 13:19
  we
• 13:19
  pray
• 13:19
  together,
• 13:21
  Lord,
• 13:21
  you
• 13:21
  see
• 13:22
  the
• 13:22
  anxiety
• 13:23
  sitting
• 13:23
  on
• 13:23
  our
• 13:24
  chest
• 13:24
  right
• 13:24
  now
• 13:25
  as
• 13:25
  we
• 13:25
  look
• 13:25
  at
• 13:25
  this
• 13:25
  tight
• 13:26
  budget
• 13:27
  and
• 13:27
  you
• 13:28
  see
• 13:28
  the
• 13:28
  fear
• 13:28
  of
• 13:28
  one
• 13:29
  surprise
• 13:29
  undoing
• 13:30
  all
• 13:30
  the
• 13:30
  progress
• 13:31
  that
• 13:31
  we've
• 13:31
  made.
• 13:31
  Lord,
• 13:32
  we
• 13:33
  just
• 13:33
  ask
• 13:33
  that
• 13:33
  you
• 13:33
  would
• 13:34
  give
• 13:34
  us
• 13:34
  wisdom
• 13:34
  for
• 13:35
  today
• 13:35
  and
• 13:35
  peace
• 13:36
  for
• 13:36
  this
• 13:36
  moment.
• 13:38
  Help
• 13:38
  us
• 13:38
  take
• 13:38
  one
• 13:39
  small
• 13:39
  step
• 13:39
  that
• 13:39
  creates
• 13:40
  breathing
• 13:40
  room,
• 13:40
  Lord,
• 13:41
  and
• 13:41
  teach
• 13:41
  us
• 13:42
  to
• 13:42
  trust
• 13:42
  you
• 13:42
  with
• 13:43
  our
• 13:43
  provision
• 13:44
  and
• 13:44
  to
• 13:44
  stay
• 13:45
  steady
• 13:45
  instead
• 13:46
  of
• 13:46
  panicking
• 13:47
  when
• 13:47
  these
• 13:47
  things
• 13:47
  happen,
• 13:47
  Lord.
• 13:48
  And
• 13:48
  we
• 13:48
  ask
• 13:48
  that
• 13:49
  you
• 13:49
  would
• 13:49
  bless
• 13:49
  our
• 13:50
  homes,
• 13:50
  Lord,
• 13:50
  with
• 13:51
  unity
• 13:51
  and
• 13:52
  clear
• 13:52
  decisions
• 13:53
  and
• 13:53
  really
• 13:54
  have
• 13:54
  courage
• 13:54
  to
• 13:54
  keep
• 13:55
  going
• 13:55
  even
• 13:56
  when
• 13:56
  it
• 13:56
  feels
• 13:57
  close,
• 13:57
  even
• 13:57
  when
• 13:57
  it
• 13:58
  feels
• 13:58
  tight,
• 13:58
  Lord,
• 13:58
  because
• 13:59
  we
• 13:59
  know
• 13:59
  we
• 14:00
  can
• 14:00
  count
• 14:00
  on
• 14:00
  you
• 14:00
  and
• 14:00
  we
• 14:01
  ask
• 14:01
  this
• 14:01
  in
• 14:02
  Jesus
• 14:02
  name.
• 14:03
  Amen.
• 14:04
  Here's
• 14:05
  my
• 14:05
  encouragement
• 14:06
  for
• 14:06
  you
• 14:06
  today.
• 14:07
  Your
• 14:07
  budget
• 14:08
  can
• 14:08
  work.
• 14:09
  It's
• 14:10
  going
• 14:10
  to
• 14:10
  work
• 14:10
  because
• 14:10
  you're
• 14:11
  staying
• 14:11
  present.
• 14:12
  You're
• 14:12
  not
• 14:12
  worried
• 14:13
  about
• 14:13
  perfection.
• 14:15
  So
• 14:15
  go
• 14:15
  today
• 14:15
  and
• 14:16
  really
• 14:16
  reinforce
• 14:17
  that
• 14:17
  it's
• 14:17
  not
• 14:17
  about
• 14:18
  perfection.
• 14:19
  It's
• 14:19
  about
• 14:19
  staying
• 14:19
  present
• 14:20
  and
• 14:20
  letting
• 14:21
  this
• 14:21
  thing
• 14:21
  work
• 14:21
  for
• 14:22
  you.
• 14:23
  And
• 14:23
  if
• 14:23
  you've
• 14:23
  got
• 14:24
  a
• 14:24
  question
• 14:24
  for
• 14:24
  the
• 14:24
  show,
• 14:24
  just
• 14:25
  like
• 14:25
  today's
• 14:25
  question,
• 14:25
  I
• 14:25
  just
• 14:26
  want
• 14:26
  to
• 14:26
  encourage
• 14:26
  you,
• 14:26
  send
• 14:27
  it
• 14:27
  over
• 14:27
  to
• 14:27
  me.
• 14:28
  You
• 14:28
  can
• 14:28
  do
• 14:28
  that
• 14:28
  by
• 14:28
  going
• 14:29
  financiallyconfidentchristian.com/question
• 14:32
  i'll
• 14:33
  put
• 14:33
  that
• 14:33
  in
• 14:33
  the
• 14:33
  show
• 14:33
  notes,
• 14:34
  but
• 14:34
  again,
• 14:34
  it's
• 14:34
  financiallyconfidentchristian.com/question.
• 14:37
  I
• 14:38
  want
• 14:38
  to
• 14:38
  hear
• 14:38
  your
• 14:38
  questions
• 14:39
  no
• 14:39
  matter
• 14:39
  what
• 14:40
  they
• 14:40
  are.
• 14:40
  Send
• 14:41
  them
• 14:41
  in.
• 14:41
  Let's
• 14:41
  talk
• 14:42
  about
• 14:42
  your
• 14:42
  questions.
• 14:43
  So
• 14:43
  thank
• 14:43
  you
• 14:43
  so
• 14:43
  much
• 14:44
  for
• 14:44
  joining
• 14:44
  me
• 14:44
  today.
• 14:45
  I
• 14:45
  really
• 14:45
  appreciate
• 14:45
  it.
• 14:46
  When
• 14:46
  you
• 14:46
  give
• 14:46
  me
• 14:46
  a
• 14:46
  little
• 14:47
  bit
• 14:47
  of
• 14:47
  your
• 14:47
  time.
• 14:48
  And
• 14:48
  if
• 14:48
  you're
• 14:48
  getting
• 14:48
  value
• 14:49
  from
• 14:49
  the
• 14:49
  show,
• 14:49
  I
• 14:50
  want
• 14:50
  to
• 14:50
  encourage
• 14:50
  you,
• 14:50
  share
• 14:51
  the
• 14:51
  show
• 14:51
  with
• 14:51
  somebody
• 14:52
  else.
• 14:52
  There's
• 14:52
  a
• 14:52
  lot
• 14:52
  of
• 14:52
  people
• 14:53
  out
• 14:53
  there
• 14:53
  right
• 14:53
  now
• 14:54
  that
• 14:54
  are
• 14:54
  hurting.
• 14:55
  They
• 14:55
  need
• 14:55
  hope,
• 14:55
  and
• 14:56
  that's
• 14:56
  what
• 14:56
  I'm
• 14:56
  hoping
• 14:56
  I'm
• 14:57
  bringing
• 14:57
  you
• 14:57
  every
• 14:57
  day.
• 14:57
  So
• 14:58
  God
• 14:58
  bless
• 14:58
  you.
• 14:59
  Stay
• 14:59
  financially
• 15:00
  savvy,
• 15:00
  and
• 15:01
  you
• 15:01
  have
• 15:01
  a
• 15:01
  great
• 15:01
  day
• 15:01
  today.