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Why Do I Always Feel Behind on Money Even When I’m Trying to Budget? · Becoming Financially Confident

• 0:37
  Pushing
• 0:38
  a
• 0:38
  card
• 0:38
  to
• 0:38
  your
• 0:38
  car.
• 0:39
  You
• 0:39
  got
• 0:40
  your
• 0:40
  receipt
• 0:40
  in
• 0:40
  your
• 0:40
  hand.
• 0:41
  Now
• 0:42
  you
• 0:42
  just
• 0:42
  left
• 0:42
  the
• 0:42
  store.
• 0:42
  You
• 0:43
  didn't
• 0:43
  splurge,
• 0:44
  you
• 0:44
  didn't
• 0:44
  wander
• 0:45
  the
• 0:45
  different
• 0:45
  aisles.
• 0:47
  But
• 0:47
  still,
• 0:47
  it
• 0:47
  costs
• 0:48
  more
• 0:48
  than
• 0:48
  it
• 0:48
  should.
• 0:49
  So
• 0:50
  let
• 0:50
  me
• 0:50
  ask
• 0:50
  you,
• 0:50
  have
• 0:51
  you
• 0:51
  ever
• 0:51
  looked
• 0:51
  at
• 0:51
  your
• 0:51
  budget
• 0:52
  and
• 0:52
  felt
• 0:53
  like
• 0:53
  it's
• 0:53
  just
• 0:53
  laughing
• 0:54
  at
• 0:54
  you?
• 0:55
  You're
• 0:55
  trying
• 0:55
  to
• 0:56
  be
• 0:56
  responsible,
• 0:57
  you're
• 0:57
  trying
• 0:57
  to
• 0:58
  plan,
• 0:58
  even
• 0:58
  trying
• 0:59
  to
• 0:59
  cut
• 0:59
  back
• 0:59
  sometimes.
• 1:01
  But
• 1:01
  then
• 1:01
  groceries
• 1:02
  just
• 1:02
  go
• 1:02
  up,
• 1:03
  the
• 1:03
  price
• 1:04
  at
• 1:04
  the
• 1:04
  pump
• 1:04
  goes
• 1:04
  up,
• 1:05
  and
• 1:05
  even
• 1:05
  insurance
• 1:06
  is
• 1:06
  going
• 1:06
  up.
• 1:07
  And
• 1:08
  suddenly
• 1:08
  you're
• 1:09
  behind
• 1:09
  again.
• 1:10
  And
• 1:10
  it's
• 1:11
  not
• 1:11
  because
• 1:11
  you're
• 1:11
  careless,
• 1:13
  and
• 1:13
  it's
• 1:13
  certainly
• 1:13
  not
• 1:14
  because
• 1:14
  you
• 1:14
  don't
• 1:14
  love
• 1:14
  God.
• 1:16
  But
• 1:16
  it's
• 1:16
  because
• 1:16
  life
• 1:17
  keeps
• 1:17
  changing.
• 1:18
  If
• 1:19
  you're
• 1:19
  tired
• 1:19
  of
• 1:19
  feeling
• 1:20
  like
• 1:20
  you
• 1:20
  can
• 1:20
  never
• 1:20
  catch
• 1:21
  up,
• 1:21
  today's
• 1:22
  for.
• 1:44
  Hey,
• 1:44
  friend
• 1:44
  Ralph
• 1:45
  Estep
• 1:46
  Jr.
• 1:46
  here
• 1:46
  This
• 1:46
  is
• 1:47
  Financially
• 1:47
  Confident
• 1:48
  Christian,
• 1:48
  where
• 1:49
  every
• 1:49
  day
• 1:49
  we're
• 1:49
  trying
• 1:49
  to
• 1:50
  break
• 1:50
  that
• 1:50
  cycle
• 1:51
  of
• 1:51
  financial
• 1:51
  shame
• 1:52
  and
• 1:52
  do
• 1:52
  it
• 1:53
  with
• 1:53
  confidence.
• 1:54
  And
• 1:54
  today
• 1:55
  we're
• 1:55
  talking
• 1:55
  about
• 1:55
  why
• 1:55
  you're
• 1:56
  always
• 1:56
  feeling
• 1:56
  behind,
• 1:57
  even
• 1:57
  when
• 1:58
  you're
• 1:58
  trying
• 1:58
  to
• 1:58
  budget.
• 1:59
  So
• 2:00
  let's
• 2:00
  get
• 2:00
  into
• 2:00
  today's
• 2:00
  question.
• 2:02
  I
• 2:02
  keep
• 2:02
  trying
• 2:03
  to
• 2:03
  budget,
• 2:04
  but
• 2:04
  every
• 2:05
  time
• 2:05
  prices
• 2:05
  go
• 2:06
  up
• 2:06
  and
• 2:07
  everything
• 2:07
  just
• 2:07
  falls
• 2:08
  apart.
• 2:09
  I'm
• 2:09
  tired
• 2:09
  of
• 2:10
  always
• 2:10
  feeling
• 2:10
  behind
• 2:11
  and
• 2:11
  anxious
• 2:11
  about
• 2:12
  money.
• 2:13
  How
• 2:13
  do
• 2:13
  I
• 2:13
  make
• 2:14
  a
• 2:14
  plan
• 2:14
  that
• 2:14
  actually
• 2:15
  holds
• 2:15
  up
• 2:15
  when
• 2:16
  things
• 2:16
  keep
• 2:16
  changing?
• 2:17
  I
• 2:18
  want
• 2:18
  something
• 2:18
  that
• 2:18
  works
• 2:19
  without
• 2:19
  constantly
• 2:20
  failing
• 2:21
  me.
• 2:22
  What
• 2:23
  a
• 2:23
  great
• 2:23
  question.
• 2:24
  And
• 2:25
  listen,
• 2:25
  I
• 2:25
  felt
• 2:26
  that
• 2:26
  failing,
• 2:26
  too.
• 2:28
  But
• 2:28
  I
• 2:28
  need
• 2:28
  to
• 2:28
  tell
• 2:29
  you
• 2:29
  right
• 2:29
  now,
• 2:29
  your
• 2:29
  budget
• 2:30
  isn't
• 2:30
  failing
• 2:31
  you.
• 2:32
  It
• 2:32
  just
• 2:32
  needs
• 2:32
  some
• 2:33
  flexibility.
• 2:34
  And
• 2:34
  honestly,
• 2:35
  it
• 2:35
  needs
• 2:35
  some
• 2:36
  margin.
• 2:37
  So
• 2:37
  how
• 2:37
  do
• 2:37
  we
• 2:38
  get
• 2:38
  there?
• 2:39
  First
• 2:39
  thing
• 2:39
  we've
• 2:40
  got
• 2:40
  to
• 2:40
  do,
• 2:40
  we've
• 2:41
  got
• 2:41
  to
• 2:41
  stop
• 2:41
  looking
• 2:41
  at
• 2:42
  building
• 2:42
  a
• 2:42
  perfect
• 2:43
  month
• 2:43
  budget.
• 2:45
  Most
• 2:45
  people
• 2:46
  do
• 2:46
  like
• 2:46
  you
• 2:46
  do,
• 2:47
  they
• 2:47
  build
• 2:47
  budgets
• 2:48
  based
• 2:48
  on
• 2:48
  ideal
• 2:49
  numbers.
• 2:50
  But
• 2:50
  the
• 2:51
  problem
• 2:51
  about
• 2:51
  ideal
• 2:52
  numbers
• 2:52
  is
• 2:53
  the
• 2:53
  world's
• 2:53
  not
• 2:54
  ideal.
• 2:55
  Prices
• 2:55
  go
• 2:56
  up.
• 2:56
  So
• 2:56
  if
• 2:57
  you're
• 2:57
  not
• 2:57
  budgeting
• 2:57
  in
• 2:58
  surprises,
• 2:59
  if
• 2:59
  you're
• 2:59
  not
• 2:59
  budgeting
• 3:00
  in
• 3:00
  overages
• 3:02
  and
• 3:02
  say
• 3:02
  maybe
• 3:03
  you're
• 3:03
  not
• 3:03
  budgeting
• 3:03
  any
• 3:04
  life
• 3:04
  into
• 3:04
  it,
• 3:05
  it's
• 3:05
  not
• 3:06
  going
• 3:06
  to
• 3:06
  work
• 3:07
  because
• 3:07
  life
• 3:08
  is
• 3:08
  not
• 3:08
  predictable.
• 3:09
  I
• 3:09
  wish
• 3:09
  I
• 3:09
  could
• 3:10
  tell
• 3:10
  you
• 3:10
  that
• 3:10
  life
• 3:10
  was
• 3:11
  predictable
• 3:11
  and
• 3:11
  always
• 3:12
  be
• 3:12
  this
• 3:12
  way,
• 3:13
  but
• 3:14
  you
• 3:14
  and
• 3:14
  I
• 3:14
  both
• 3:14
  know
• 3:15
  it's
• 3:15
  not
• 3:15
  that
• 3:15
  way.
• 3:17
  So
• 3:17
  instead
• 3:17
  of
• 3:17
  asking,
• 3:18
  what
• 3:18
  should
• 3:18
  this
• 3:19
  cost?
• 3:20
  I
• 3:20
  think
• 3:21
  we've
• 3:21
  got
• 3:21
  to
• 3:21
  rephrase
• 3:21
  it.
• 3:23
  And
• 3:23
  we've
• 3:23
  got
• 3:23
  to
• 3:23
  ask
• 3:24
  ourselves,
• 3:24
  what
• 3:25
  has
• 3:25
  it
• 3:25
  actually
• 3:25
  been
• 3:26
  costing
• 3:26
  us?
• 3:27
  Because
• 3:28
  that's
• 3:28
  the
• 3:28
  real
• 3:28
  truth
• 3:28
  here.
• 3:29
  We've
• 3:29
  got
• 3:29
  to
• 3:29
  find
• 3:29
  the
• 3:30
  real
• 3:30
  averages
• 3:31
  of
• 3:31
  what
• 3:31
  stuff
• 3:31
  is
• 3:32
  costing
• 3:32
  for
• 3:33
  the
• 3:33
  past
• 3:33
  three
• 3:33
  to
• 3:33
  six
• 3:34
  months.
• 3:35
  Because
• 3:35
  that
• 3:36
  reality,
• 3:36
  when
• 3:37
  you
• 3:37
  look
• 3:37
  at
• 3:37
  the
• 3:37
  actual
• 3:38
  numbers
• 3:39
  that's
• 3:39
  what's
• 3:40
  going
• 3:40
  to
• 3:40
  reduce
• 3:40
  your
• 3:40
  frustration.
• 3:42
  Second
• 3:42
  thing,
• 3:43
  we've
• 3:44
  got
• 3:44
  to
• 3:44
  create
• 3:44
  what
• 3:44
  I
• 3:45
  call
• 3:45
  a
• 3:45
  shock
• 3:45
  absorber
• 3:46
  category.
• 3:48
  Because
• 3:48
  if
• 3:48
  you're
• 3:49
  like
• 3:49
  me,
• 3:49
  you
• 3:49
  realize
• 3:50
  prices
• 3:50
  are
• 3:50
  changing.
• 3:52
  Seems
• 3:52
  like
• 3:52
  it
• 3:52
  happens
• 3:52
  all
• 3:53
  the
• 3:53
  time.
• 3:53
  Seems
• 3:53
  like
• 3:53
  every
• 3:54
  week
• 3:54
  when
• 3:54
  we
• 3:54
  go
• 3:54
  to
• 3:54
  the
• 3:54
  grocery
• 3:55
  store,
• 3:55
  the
• 3:55
  numbers
• 3:55
  are
• 3:56
  going
• 3:56
  up
• 3:56
  again.
• 3:57
  Hey,
• 3:58
  cars
• 3:58
  break
• 3:59
  down
• 4:00
  and
• 4:00
  kids
• 4:01
  grow
• 4:01
  up
• 4:01
  and
• 4:02
  stuff
• 4:02
  gets
• 4:02
  more
• 4:02
  expensive.
• 4:04
  So
• 4:04
  we've
• 4:04
  got
• 4:05
  to
• 4:05
  build
• 4:05
  in
• 4:05
  a
• 4:05
  small
• 4:06
  inflation
• 4:06
  buffer
• 4:07
  or
• 4:07
  what
• 4:07
  I
• 4:07
  call
• 4:08
  a
• 4:08
  life
• 4:08
  happens
• 4:09
  line.
• 4:10
  Even
• 4:10
  if
• 4:11
  it's
• 4:11
  just
• 4:11
  $50
• 4:12
  or
• 4:12
  $100
• 4:13
  a
• 4:13
  month,
• 4:14
  putting
• 4:14
  it
• 4:14
  into
• 4:14
  that
• 4:14
  flexibility
• 4:15
  fund
• 4:16
  gives
• 4:16
  your
• 4:16
  plan
• 4:16
  some
• 4:17
  breathing
• 4:17
  room.
• 4:17
  Because
• 4:18
  what
• 4:18
  I
• 4:18
  really
• 4:18
  hear
• 4:18
  in
• 4:19
  your
• 4:19
  question
• 4:19
  today
• 4:20
  is
• 4:20
  you
• 4:21
  don't
• 4:21
  have
• 4:21
  any
• 4:21
  breathing
• 4:22
  room.
• 4:22
  And
• 4:23
  see,
• 4:23
  when
• 4:23
  you
• 4:23
  don't
• 4:23
  have
• 4:23
  any
• 4:24
  breathing
• 4:24
  room,
• 4:24
  you
• 4:25
  live
• 4:25
  in
• 4:25
  this
• 4:25
  constant
• 4:26
  state
• 4:26
  of
• 4:26
  anxiety.
• 4:27
  You're
• 4:27
  so
• 4:28
  worried
• 4:28
  that
• 4:28
  the
• 4:28
  numbers
• 4:29
  are
• 4:29
  going
• 4:29
  to
• 4:29
  go
• 4:29
  over.
• 4:30
  Well,
• 4:30
  guess
• 4:30
  what?
• 4:31
  They
• 4:31
  are
• 4:31
  going
• 4:31
  to
• 4:32
  go
• 4:32
  over.
• 4:33
  Here's
• 4:33
  another
• 4:33
  pro
• 4:34
  tip.
• 4:35
  When
• 4:35
  I
• 4:35
  work
• 4:35
  with
• 4:35
  people
• 4:36
  with
• 4:36
  budgeting,
• 4:36
  I
• 4:37
  think
• 4:37
  budgeting
• 4:37
  percentages
• 4:38
  is
• 4:38
  better
• 4:39
  than
• 4:39
  budgeting
• 4:40
  fixed
• 4:40
  numbers,
• 4:41
  especially
• 4:42
  when
• 4:42
  everything
• 4:42
  is
• 4:43
  fluctuating
• 4:43
  in
• 4:43
  prices.
• 4:44
  Because
• 4:45
  percentages
• 4:45
  hold
• 4:46
  better
• 4:46
  than
• 4:47
  fixed
• 4:47
  amounts.
• 4:48
  Instead
• 4:49
  of
• 4:49
  saying
• 4:49
  stuff
• 4:50
  like,
• 4:50
  I'll
• 4:50
  save
• 4:51
  exactly
• 4:51
  $400,
• 4:52
  because
• 4:52
  sometimes
• 4:53
  that's
• 4:53
  tough
• 4:53
  to
• 4:53
  do.
• 4:54
  It
• 4:54
  depends
• 4:54
  on
• 4:54
  what's
• 4:55
  going
• 4:55
  on
• 4:55
  that
• 4:55
  month.
• 4:56
  Say
• 4:57
  something
• 4:57
  like
• 4:57
  this,
• 4:58
  I'm
• 4:58
  going
• 4:58
  to
• 4:58
  save
• 4:58
  10%
• 4:59
  of
• 4:59
  my
• 5:00
  income.
• 5:01
  Because
• 5:01
  I
• 5:02
  like
• 5:02
  that.
• 5:02
  Because.
• 5:02
  And
• 5:03
  if
• 5:03
  your
• 5:03
  income
• 5:03
  rises,
• 5:04
  you're
• 5:05
  actually
• 5:05
  saving
• 5:05
  more.
• 5:06
  But
• 5:06
  if
• 5:07
  your
• 5:07
  income
• 5:07
  falls,
• 5:08
  the
• 5:08
  plan
• 5:09
  adjusts
• 5:09
  automatically.
• 5:11
  And
• 5:11
  when
• 5:11
  you
• 5:11
  have
• 5:12
  that
• 5:12
  flexibility,
• 5:13
  that
• 5:14
  flexibility
• 5:14
  allows
• 5:15
  you
• 5:15
  to
• 5:15
  survive
• 5:15
  those
• 5:16
  storms.
• 5:17
  Here's
• 5:18
  another
• 5:18
  thing
• 5:18
  I
• 5:18
  want
• 5:18
  you
• 5:18
  to
• 5:19
  consider.
• 5:20
  Budgets
• 5:21
  aren't
• 5:21
  cast
• 5:21
  in
• 5:22
  stone.
• 5:23
  You've
• 5:23
  got
• 5:23
  to
• 5:23
  adjust
• 5:24
  them
• 5:24
  monthly.
• 5:24
  Now
• 5:25
  listen
• 5:25
  to
• 5:25
  me.
• 5:25
  Don't
• 5:26
  adjust
• 5:26
  them
• 5:26
  from
• 5:27
  an
• 5:27
  emotional
• 5:27
  standpoint.
• 5:28
  It's
• 5:29
  not
• 5:29
  the
• 5:29
  time
• 5:29
  to
• 5:29
  adjust
• 5:29
  it
• 5:30
  when
• 5:30
  you
• 5:30
  just
• 5:30
  left
• 5:30
  the
• 5:31
  grocery
• 5:31
  store
• 5:31
  and
• 5:32
  you're
• 5:32
  stressed
• 5:32
  out
• 5:32
  because
• 5:33
  everything
• 5:33
  goes
• 5:33
  up
• 5:34
  in
• 5:34
  price.
• 5:35
  But
• 5:35
  when
• 5:35
  something
• 5:36
  goes
• 5:36
  over
• 5:36
  budget,
• 5:37
  don't
• 5:37
  panic.
• 5:38
  That's
• 5:39
  a
• 5:39
  time
• 5:39
  to
• 5:39
  go
• 5:39
  back
• 5:39
  and
• 5:39
  look
• 5:40
  at
• 5:40
  it.
• 5:40
  Pause
• 5:40
  for
• 5:41
  a
• 5:41
  second.
• 5:42
  Review
• 5:42
  that
• 5:42
  budget.
• 5:43
  Maybe
• 5:43
  you've
• 5:44
  got
• 5:44
  to
• 5:44
  reallocate,
• 5:44
  shuffle
• 5:45
  some
• 5:45
  things
• 5:45
  around.
• 5:46
  Because
• 5:47
  a
• 5:47
  budget
• 5:47
  is
• 5:47
  a
• 5:48
  tool,
• 5:48
  kind
• 5:48
  of
• 5:48
  like
• 5:48
  a
• 5:48
  hammer.
• 5:49
  If
• 5:49
  you
• 5:50
  use
• 5:50
  it
• 5:50
  correctly,
• 5:51
  it
• 5:51
  is
• 5:51
  very
• 5:51
  effective.
• 5:52
  But
• 5:52
  it's
• 5:52
  not
• 5:53
  a
• 5:53
  judge.
• 5:54
  You
• 5:54
  can't
• 5:55
  think
• 5:55
  about
• 5:55
  it
• 5:55
  like
• 5:55
  this.
• 5:56
  Let's
• 5:56
  say
• 5:56
  you're
• 5:56
  driving
• 5:56
  down
• 5:56
  the
• 5:57
  road
• 5:57
  and
• 5:58
  you
• 5:58
  miss
• 5:58
  a
• 5:58
  turn.
• 5:59
  Well,
• 5:59
  you
• 5:59
  don't
• 6:00
  throw
• 6:00
  away
• 6:00
  the
• 6:00
  GPS
• 6:01
  because
• 6:01
  you
• 6:01
  missed
• 6:01
  the
• 6:01
  turn.
• 6:02
  Maybe
• 6:02
  you
• 6:02
  made
• 6:02
  the
• 6:02
  mistake.
• 6:03
  What
• 6:03
  you
• 6:03
  do
• 6:03
  is
• 6:04
  you
• 6:04
  change
• 6:04
  your
• 6:04
  route.
• 6:05
  We've
• 6:05
  got
• 6:05
  to
• 6:06
  think
• 6:06
  about
• 6:06
  budgeting
• 6:06
  in
• 6:07
  the
• 6:07
  same
• 6:07
  way.
• 6:08
  And
• 6:08
  finally,
• 6:09
  we've
• 6:10
  got
• 6:10
  to
• 6:10
  separate
• 6:11
  stewardship
• 6:12
  from
• 6:12
  self
• 6:12
  worth.
• 6:14
  If
• 6:14
  you
• 6:14
  feel
• 6:14
  behind,
• 6:16
  and
• 6:16
  so
• 6:16
  many
• 6:16
  of
• 6:17
  us
• 6:17
  have
• 6:17
  felt
• 6:17
  this,
• 6:18
  it
• 6:18
  doesn't
• 6:19
  mean
• 6:19
  you're
• 6:19
  behind
• 6:19
  in
• 6:20
  life.
• 6:21
  It
• 6:21
  means
• 6:22
  you're
• 6:22
  navigating
• 6:22
  an
• 6:23
  economy
• 6:23
  that
• 6:23
  is
• 6:23
  tough.
• 6:24
  Listen,
• 6:24
  the
• 6:24
  economy
• 6:25
  right
• 6:25
  now
• 6:25
  that
• 6:25
  we're
• 6:26
  in
• 6:26
  is
• 6:26
  shifting
• 6:27
  like
• 6:27
  sand.
• 6:28
  It's
• 6:29
  not
• 6:29
  easy.
• 6:30
  So
• 6:30
  don't
• 6:30
  beat
• 6:30
  yourself
• 6:31
  up.
• 6:31
  God
• 6:32
  is
• 6:32
  not
• 6:32
  measuring
• 6:32
  you
• 6:33
  by
• 6:33
  how
• 6:33
  effective
• 6:34
  you
• 6:34
  are
• 6:34
  with
• 6:34
  your
• 6:35
  grocery
• 6:35
  bill.
• 6:36
  And
• 6:36
  that
• 6:36
  financial
• 6:37
  pressure
• 6:37
  that
• 6:38
  all
• 6:38
  of
• 6:38
  us
• 6:38
  have
• 6:38
  faced
• 6:40
  is
• 6:40
  not
• 6:40
  some
• 6:41
  big
• 6:41
  spiritual
• 6:42
  failure
• 6:44
  in
• 6:44
  this
• 6:44
  budgeting
• 6:45
  process.
• 6:45
  We've
• 6:45
  got
• 6:45
  to
• 6:46
  be
• 6:46
  focused
• 6:46
  on
• 6:47
  progress
• 6:47
  and
• 6:48
  not
• 6:48
  perfection.
• 6:48
  And
• 6:49
  that's
• 6:49
  a
• 6:49
  thing
• 6:49
  that
• 6:49
  trips
• 6:50
  up
• 6:50
  so
• 6:50
  many
• 6:50
  people.
• 6:51
  So
• 6:52
  here's
• 6:52
  your
• 6:52
  single
• 6:53
  step
• 6:53
  takeaway
• 6:53
  for
• 6:54
  today.
• 6:55
  This
• 6:55
  week
• 6:55
  or
• 6:55
  today,
• 6:56
  I
• 6:56
  want
• 6:56
  you
• 6:56
  to
• 6:56
  review
• 6:57
  one
• 6:57
  category
• 6:57
  that
• 6:58
  keeps
• 6:58
  blowing
• 6:58
  up
• 6:59
  your
• 6:59
  budget.
• 7:00
  What
• 7:00
  is
• 7:00
  the
• 7:00
  thing
• 7:01
  that
• 7:01
  seems
• 7:01
  like
• 7:01
  it's
• 7:01
  always
• 7:01
  going
• 7:02
  over?
• 7:02
  Maybe
• 7:02
  for
• 7:02
  you
• 7:02
  it's
• 7:03
  groceries.
• 7:04
  Maybe
• 7:04
  for
• 7:04
  you
• 7:04
  it's
• 7:05
  insurance
• 7:05
  or
• 7:06
  fuel.
• 7:06
  Or
• 7:06
  maybe
• 7:06
  it's
• 7:07
  those
• 7:07
  kids
• 7:07
  expenses.
• 7:08
  And
• 7:08
  I'm
• 7:09
  not
• 7:09
  asking
• 7:09
  you
• 7:09
  to
• 7:09
  do
• 7:09
  that
• 7:10
  to
• 7:10
  shame
• 7:10
  yourself.
• 7:11
  I
• 7:11
  just
• 7:11
  want
• 7:12
  you
• 7:12
  to
• 7:12
  match
• 7:12
  it
• 7:12
  up
• 7:13
  to
• 7:13
  reality.
• 7:15
  Give
• 7:15
  your
• 7:15
  plan
• 7:16
  permission
• 7:16
  to
• 7:16
  tell
• 7:17
  the
• 7:17
  truth.
• 7:18
  Well,
• 7:18
  let's
• 7:19
  get
• 7:19
  to
• 7:19
  our
• 7:19
  Bible
• 7:19
  verse
• 7:20
  today
• 7:20
  comes
• 7:20
  to
• 7:20
  us
• 7:20
  from
• 7:20
  the
• 7:21
  Book
• 7:21
  of
• 7:21
  James,
• 7:21
  chapter
• 7:22
  one,
• 7:22
  verse
• 7:23
  five.
• 7:24
  If
• 7:24
  any
• 7:24
  of
• 7:24
  you
• 7:25
  lacks
• 7:25
  wisdom,
• 7:26
  you
• 7:26
  should
• 7:26
  ask
• 7:27
  God,
• 7:28
  who
• 7:28
  gives
• 7:28
  generously
• 7:29
  to
• 7:29
  all
• 7:29
  without
• 7:30
  finding
• 7:30
  fault,
• 7:32
  and
• 7:32
  it
• 7:32
  will
• 7:32
  be
• 7:32
  given
• 7:32
  to
• 7:33
  you.
• 7:34
  What
• 7:34
  a
• 7:35
  great
• 7:35
  reassuring
• 7:35
  verse.
• 7:37
  Because
• 7:37
  you
• 7:37
  don't
• 7:37
  need
• 7:38
  more
• 7:38
  guilt.
• 7:38
  You
• 7:38
  notice
• 7:39
  today
• 7:39
  I
• 7:39
  haven't
• 7:39
  been
• 7:40
  talking
• 7:40
  about
• 7:40
  guilt.
• 7:41
  I
• 7:41
  understand
• 7:42
  what
• 7:42
  you're
• 7:42
  feeling.
• 7:43
  I
• 7:43
  understand
• 7:44
  the
• 7:44
  frustration
• 7:45
  of
• 7:46
  trying
• 7:46
  to
• 7:46
  budget
• 7:46
  and
• 7:47
  trying
• 7:47
  to
• 7:47
  get
• 7:47
  ahead.
• 7:48
  But
• 7:49
  what
• 7:49
  you
• 7:49
  really
• 7:49
  need
• 7:50
  right
• 7:50
  now
• 7:51
  is
• 7:51
  God's
• 7:52
  wisdom
• 7:52
  to
• 7:52
  adjust
• 7:53
  wisely
• 7:54
  and
• 7:54
  break
• 7:54
  that
• 7:55
  shape.
• 7:56
  How
• 7:56
  about
• 7:56
  we
• 7:56
  pray
• 7:57
  together,
• 7:58
  Father
• 7:58
  God,
• 7:59
  you
• 8:00
  see
• 8:00
  the
• 8:00
  pressure,
• 8:01
  you
• 8:02
  see
• 8:02
  the
• 8:02
  numbers,
• 8:04
  you
• 8:04
  see
• 8:04
  the
• 8:04
  quiet
• 8:05
  anxiety
• 8:06
  we
• 8:06
  carry
• 8:06
  around
• 8:06
  with
• 8:07
  us
• 8:07
  about
• 8:07
  money.
• 8:08
  So
• 8:09
  Lord,
• 8:09
  when
• 8:09
  prices
• 8:10
  rise
• 8:10
  and
• 8:10
  our
• 8:10
  our
• 8:11
  planes
• 8:11
  just
• 8:11
  seem
• 8:11
  to
• 8:12
  fall
• 8:12
  apart,
• 8:13
  help
• 8:14
  us
• 8:14
  not
• 8:15
  to
• 8:15
  fall
• 8:15
  apart
• 8:15
  with
• 8:16
  them.
• 8:16
  Lord,
• 8:17
  give
• 8:17
  us
• 8:18
  wisdom
• 8:18
  just
• 8:19
  like
• 8:19
  you
• 8:19
  promised
• 8:19
  in
• 8:20
  James
• 8:20
  1:5.
• 8:22
  Give
• 8:22
  us
• 8:22
  that
• 8:22
  wisdom
• 8:23
  to
• 8:23
  adjust,
• 8:24
  that
• 8:25
  wisdom
• 8:25
  to
• 8:25
  plan
• 8:26
  and
• 8:26
  that
• 8:26
  wisdom
• 8:27
  to
• 8:27
  breathe.
• 8:29
  Remove
• 8:29
  that
• 8:29
  shame
• 8:30
  that
• 8:30
  tells
• 8:30
  us
• 8:30
  we're
• 8:30
  failing.
• 8:31
  And
• 8:32
  Lord,
• 8:32
  just
• 8:32
  replace
• 8:33
  it
• 8:33
  with
• 8:33
  confidence
• 8:33
  that's
• 8:34
  deeply
• 8:34
  rooted
• 8:35
  in
• 8:35
  you
• 8:35
  as
• 8:35
  our
• 8:35
  anchor.
• 8:37
  Teach
• 8:37
  us
• 8:37
  to
• 8:38
  steward
• 8:38
  faithfully
• 8:39
  without
• 8:39
  trying
• 8:39
  our
• 8:40
  tying
• 8:40
  our
• 8:40
  worth
• 8:41
  to
• 8:41
  our
• 8:41
  spreadsheets.
• 8:42
  Lord,
• 8:42
  we
• 8:42
  ask
• 8:42
  this
• 8:43
  in
• 8:43
  Jesus
• 8:44
  name.
• 8:45
  Amen.
• 8:47
  Hey,
• 8:48
  you're
• 8:48
  not
• 8:48
  behind,
• 8:50
  you're
• 8:50
  learning.
• 8:51
  And
• 8:51
  if
• 8:52
  you've
• 8:52
  got
• 8:52
  a
• 8:52
  question
• 8:52
  weighing
• 8:53
  on
• 8:53
  you,
• 8:53
  just
• 8:53
  like
• 8:53
  today's
• 8:54
  question,
• 8:54
  I
• 8:54
  want
• 8:54
  to
• 8:54
  encourage
• 8:55
  you
• 8:55
  right
• 8:55
  now,
• 8:55
  send
• 8:56
  it
• 8:56
  to
• 8:56
  financiallyconfidentchristian.com/question
• 9:00
  we'll
• 9:00
  put
• 9:00
  that
• 9:01
  in
• 9:01
  the
• 9:01
  show
• 9:01
  notes,
• 9:01
  but
• 9:01
  I'll
• 9:02
  give
• 9:02
  it
• 9:02
  to
• 9:02
  you
• 9:02
  again
• 9:02
  right
• 9:02
  now.
• 9:03
  It's
• 9:03
  financiallyconfidentchristian.com/question
• 9:08
  and
• 9:08
  I
• 9:08
  just
• 9:08
  want
• 9:08
  to
• 9:08
  thank
• 9:09
  you
• 9:09
  so
• 9:09
  much
• 9:09
  for
• 9:09
  joining
• 9:10
  me
• 9:10
  today.
• 9:10
  Stay
• 9:11
  financially
• 9:11
  savvy.
• 9:12
  May
• 9:12
  God
• 9:13
  bless
• 9:13
  you.
• 9:13
  And
• 9:14
  you
• 9:14
  have
• 9:14
  a
• 9:14
  great
• 9:14
  day
• 9:14
  today.