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How Can You Build Confidence in Your Finances (Even If You Feel Clueless)? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  felt
• 0:38
  like
• 0:38
  everyone
• 0:38
  else
• 0:39
  got
• 0:39
  the
• 0:39
  money
• 0:39
  manual
• 0:40
  and
• 0:40
  you
• 0:40
  didn't?
• 0:41
  Like,
• 0:41
  somehow
• 0:41
  you're
• 0:42
  supposed
• 0:42
  to
• 0:42
  know
• 0:42
  how
• 0:42
  budgeting
• 0:43
  works
• 0:43
  or
• 0:43
  how
• 0:44
  savings
• 0:44
  work
• 0:45
  and
• 0:45
  how
• 0:45
  all
• 0:45
  of
• 0:45
  it
• 0:46
  works.
• 0:47
  If
• 0:47
  you're
• 0:47
  like
• 0:47
  most
• 0:48
  people,
• 0:48
  you're
• 0:48
  kind
• 0:48
  of
• 0:48
  guessing.
• 0:49
  And
• 0:50
  the
• 0:50
  worst
• 0:50
  part
• 0:50
  is,
• 0:51
  so
• 0:51
  many
• 0:51
  of
• 0:51
  us
• 0:51
  feel
• 0:51
  embarrassed
• 0:52
  about
• 0:52
  it.
• 0:53
  So,
• 0:53
  Fred,
• 0:54
  let
• 0:54
  me
• 0:54
  start
• 0:54
  off
• 0:54
  by
• 0:54
  saying
• 0:55
  this.
• 0:55
  Feeling
• 0:55
  clueless
• 0:56
  doesn't
• 0:56
  mean
• 0:56
  you're
• 0:57
  doomed.
• 0:57
  It
• 0:57
  just
• 0:58
  means
• 0:58
  you're
• 0:58
  ready
• 0:58
  to
• 0:59
  learn.
• 0:59
  And
• 0:59
  if
• 0:59
  you're
• 0:59
  listening
• 1:00
  right
• 1:00
  now
• 1:00
  thinking,
• 1:01
  yeah,
• 1:01
  that's
• 1:01
  me,
• 1:02
  I
• 1:02
  want
• 1:02
  you
• 1:02
  to
• 1:02
  hear
• 1:03
  this.
• 1:03
  You
• 1:03
  can
• 1:03
  do
• 1:04
  this.
• 1:04
  You're
• 1:04
  not
• 1:05
  behind.
• 1:05
  You're
• 1:06
  just
• 1:06
  untrained,
• 1:07
  and
• 1:07
  your
• 1:07
  training
• 1:07
  starts
• 1:08
  today.
• 1:09
  So
• 1:09
  here's
• 1:09
  the
• 1:09
  question
• 1:10
  you
• 1:10
  and
• 1:10
  I
• 1:10
  are
• 1:10
  answering
• 1:11
  today.
• 1:11
  How
• 1:12
  can
• 1:12
  you
• 1:12
  build
• 1:12
  confidence
• 1:13
  in
• 1:13
  your
• 1:13
  finances
• 1:14
  even
• 1:14
  when
• 1:15
  you
• 1:15
  feel
• 1:15
  clueless?
• 1:16
  And
• 1:16
  I'm
• 1:17
  going
• 1:17
  to
• 1:17
  show
• 1:17
  you
• 1:17
  a
• 1:17
  calm,
• 1:18
  practical
• 1:18
  path
• 1:19
  forward
• 1:19
  without
• 1:20
  shame
• 1:20
  and
• 1:20
  without
• 1:21
  pressure.
• 1:22
  Because,
• 1:22
  friend,
• 1:23
  confidence
• 1:23
  isn't
• 1:24
  something
• 1:24
  you
• 1:24
  wait
• 1:25
  for.
• 1:25
  Confidence
• 1:26
  is
• 1:26
  something
• 1:26
  you
• 1:27
  build.
• 1:27
  And
• 1:27
  we're
• 1:28
  going
• 1:28
  to
• 1:28
  start
• 1:28
  building
• 1:28
  that
• 1:28
  on
• 1:29
  today's
• 1:29
  show.
• 1:51
  Hey,
• 1:51
  friend.
• 1:51
  Ralph
• 1:52
  Estep
• 1:52
  Jr.
• 1:52
  Here.
• 1:53
  Welcome
• 1:53
  to
• 1:53
  Financially
• 1:54
  Confident
• 1:54
  Christian,
• 1:55
  where
• 1:55
  we're
• 1:55
  learning
• 1:56
  how
• 1:56
  to
• 1:56
  walk
• 1:56
  through
• 1:56
  life
• 1:57
  and
• 1:57
  money
• 1:57
  with
• 1:57
  wisdom,
• 1:58
  with
• 1:58
  peace,
• 1:59
  and
• 1:59
  with
• 1:59
  a
• 2:00
  heart
• 2:00
  anchored
• 2:00
  in
• 2:00
  God's
• 2:01
  truth.
• 2:01
  My
• 2:02
  mission
• 2:02
  is
• 2:02
  simple.
• 2:03
  I
• 2:03
  want
• 2:03
  to
• 2:03
  help
• 2:03
  you
• 2:03
  break
• 2:04
  that
• 2:04
  cycle
• 2:04
  of
• 2:05
  financial
• 2:05
  shame
• 2:05
  and
• 2:05
  build
• 2:06
  steady
• 2:06
  habits
• 2:07
  which
• 2:07
  are
• 2:07
  rooted
• 2:07
  in
• 2:08
  faith
• 2:08
  and
• 2:08
  truly
• 2:09
  become
• 2:09
  a
• 2:10
  financially
• 2:10
  confident
• 2:11
  Christian.
• 2:11
  And
• 2:12
  I
• 2:12
  am
• 2:12
  so
• 2:12
  glad
• 2:12
  you're
• 2:13
  here
• 2:13
  today.
• 2:13
  Yesterday,
• 2:14
  you
• 2:14
  and
• 2:14
  I
• 2:14
  talked
• 2:15
  about
• 2:15
  breaking
• 2:15
  that
• 2:16
  cycle
• 2:16
  of
• 2:16
  financial
• 2:16
  fear
• 2:17
  once
• 2:17
  and
• 2:17
  for
• 2:17
  all,
• 2:18
  because
• 2:18
  fear
• 2:19
  isn't
• 2:19
  from
• 2:20
  God
• 2:20
  and
• 2:21
  fear
• 2:21
  can
• 2:21
  distort
• 2:22
  everything
• 2:22
  in
• 2:22
  our
• 2:22
  lives.
• 2:23
  But
• 2:23
  today,
• 2:24
  we're
• 2:24
  going
• 2:24
  to
• 2:24
  build
• 2:24
  the
• 2:24
  opposite
• 2:25
  of
• 2:25
  fear.
• 2:25
  We're
• 2:26
  going
• 2:26
  to
• 2:26
  go
• 2:26
  in
• 2:26
  the
• 2:26
  other
• 2:26
  direction.
• 2:27
  We're
• 2:27
  going
• 2:27
  to
• 2:27
  build
• 2:27
  confidence.
• 2:28
  Now,
• 2:28
  I'm
• 2:28
  not
• 2:28
  talking
• 2:28
  about
• 2:29
  the
• 2:29
  loud
• 2:29
  kind,
• 2:29
  not
• 2:29
  the
• 2:30
  boisterous
• 2:30
  kind,
• 2:31
  not
• 2:31
  that
• 2:31
  I've
• 2:32
  got
• 2:32
  this
• 2:32
  all
• 2:32
  together
• 2:33
  kind,
• 2:33
  the
• 2:34
  steady
• 2:34
  kind.
• 2:35
  The
• 2:35
  kind
• 2:35
  that
• 2:35
  grows
• 2:36
  when
• 2:36
  you
• 2:36
  take
• 2:36
  small
• 2:36
  steps
• 2:37
  and
• 2:37
  you
• 2:37
  realize,
• 2:38
  I
• 2:38
  can
• 2:38
  do
• 2:39
  this.
• 2:40
  And,
• 2:40
  friend,
• 2:40
  guess
• 2:40
  what?
• 2:41
  You
• 2:41
  really
• 2:41
  can
• 2:42
  do
• 2:42
  this.
• 2:43
  I
• 2:43
  got
• 2:43
  this
• 2:43
  question
• 2:44
  the
• 2:44
  other
• 2:44
  day,
• 2:44
  Ralph,
• 2:45
  I
• 2:45
  want
• 2:45
  to
• 2:45
  handle
• 2:46
  money
• 2:46
  better,
• 2:47
  but
• 2:47
  I
• 2:47
  feel
• 2:48
  so
• 2:48
  far
• 2:48
  behind.
• 2:48
  I
• 2:49
  don't
• 2:49
  understand
• 2:49
  everything.
• 2:50
  And
• 2:51
  I'm
• 2:51
  afraid
• 2:51
  of
• 2:51
  making
• 2:51
  the
• 2:52
  wrong
• 2:52
  moves.
• 2:53
  How
• 2:53
  do
• 2:53
  I
• 2:53
  build
• 2:54
  confidence
• 2:54
  when
• 2:54
  I
• 2:55
  truly
• 2:55
  feel
• 2:55
  clueless?
• 2:57
  So,
• 2:57
  friend,
• 2:57
  let
• 2:57
  me
• 2:58
  start
• 2:58
  by
• 2:58
  saying
• 2:58
  this.
• 2:58
  Thank
• 2:58
  you
• 2:58
  for
• 2:59
  sending
• 2:59
  that.
• 2:59
  Thank
• 3:00
  you
• 3:00
  for
• 3:00
  your.
• 3:00
  Your
• 3:00
  being
• 3:01
  honest
• 3:01
  in
• 3:01
  that.
• 3:02
  Because
• 3:03
  confidence
• 3:03
  doesn't
• 3:04
  begin
• 3:04
  with
• 3:04
  knowing
• 3:05
  everything.
• 3:06
  Confidence
• 3:07
  truly
• 3:07
  begins
• 3:08
  with
• 3:08
  being
• 3:08
  willing
• 3:08
  to
• 3:09
  learn.
• 3:09
  That's
• 3:09
  the
• 3:09
  big
• 3:09
  thing.
• 3:10
  And
• 3:10
  if
• 3:10
  you're
• 3:10
  willing
• 3:10
  to
• 3:11
  learn,
• 3:11
  you're
• 3:11
  already
• 3:12
  moving
• 3:12
  in
• 3:12
  the
• 3:12
  right
• 3:13
  direction.
• 3:14
  So
• 3:14
  if
• 3:14
  money
• 3:14
  has
• 3:15
  felt
• 3:15
  confusing
• 3:15
  to
• 3:16
  you,
• 3:17
  it
• 3:17
  can
• 3:17
  make
• 3:17
  you
• 3:18
  want
• 3:18
  to
• 3:18
  avoid
• 3:18
  it.
• 3:19
  See,
• 3:19
  you
• 3:19
  don't
• 3:19
  check
• 3:19
  the
• 3:20
  account
• 3:20
  if
• 3:20
  you're
• 3:20
  worried
• 3:21
  about
• 3:21
  it.
• 3:21
  You
• 3:21
  don't
• 3:21
  look
• 3:21
  at
• 3:22
  the
• 3:22
  statements.
• 3:22
  You
• 3:22
  don't
• 3:23
  open
• 3:23
  the
• 3:23
  mail
• 3:23
  right
• 3:24
  away
• 3:25
  because
• 3:25
  you
• 3:25
  don't
• 3:25
  want
• 3:25
  to
• 3:25
  feel
• 3:26
  this
• 3:26
  wave.
• 3:26
  You
• 3:26
  don't
• 3:27
  want
• 3:27
  to
• 3:27
  feel
• 3:27
  like,
• 3:27
  oh,
• 3:27
  I
• 3:27
  should
• 3:28
  have
• 3:28
  known
• 3:28
  about
• 3:28
  this.
• 3:29
  Oh,
• 3:29
  I'm
• 3:30
  too
• 3:30
  late.
• 3:30
  I'm
• 3:30
  bad
• 3:31
  at
• 3:31
  this.
• 3:32
  See,
• 3:32
  friend,
• 3:33
  shame
• 3:33
  loves
• 3:34
  hiding
• 3:34
  places.
• 3:36
  That's
• 3:36
  what
• 3:36
  it
• 3:36
  does.
• 3:36
  It
• 3:36
  hides
• 3:37
  in
• 3:37
  the
• 3:37
  dark.
• 3:37
  But
• 3:37
  healing
• 3:38
  happens
• 3:38
  in
• 3:38
  the
• 3:38
  light.
• 3:39
  And
• 3:39
  God
• 3:39
  is
• 3:39
  not
• 3:39
  standing
• 3:40
  over
• 3:40
  you
• 3:40
  with
• 3:41
  disappointment.
• 3:42
  He's
• 3:42
  inviting
• 3:43
  you
• 3:43
  into
• 3:43
  wisdom.
• 3:45
  So
• 3:45
  today,
• 3:45
  if
• 3:45
  you've
• 3:45
  been
• 3:46
  avoiding
• 3:46
  the
• 3:46
  numbers,
• 3:47
  that
• 3:47
  doesn't
• 3:47
  make
• 3:47
  you
• 3:48
  a
• 3:48
  failure.
• 3:49
  It
• 3:49
  just
• 3:49
  means
• 3:49
  you've
• 3:50
  been
• 3:50
  overwhelmed.
• 3:51
  And
• 3:51
  we
• 3:51
  can
• 3:52
  work
• 3:52
  with
• 3:52
  overwhelmed
• 3:53
  one
• 3:53
  small
• 3:54
  step
• 3:54
  at
• 3:54
  a
• 3:54
  time.
• 3:55
  Let
• 3:55
  me
• 3:55
  make
• 3:56
  this
• 3:56
  simple.
• 3:57
  Confidence
• 3:57
  is
• 3:58
  not
• 3:58
  some
• 3:58
  personality
• 3:59
  trait.
• 3:59
  It's
• 3:59
  not
• 4:00
  something
• 4:00
  you're
• 4:00
  born
• 4:00
  with.
• 4:01
  Confidence
• 4:02
  is
• 4:02
  a
• 4:02
  byproduct.
• 4:03
  It
• 4:03
  grows
• 4:04
  through
• 4:04
  reps,
• 4:04
  kind
• 4:04
  of
• 4:04
  like
• 4:04
  working
• 4:05
  out
• 4:05
  your
• 4:05
  body,
• 4:05
  just
• 4:06
  like
• 4:06
  strength
• 4:06
  grows
• 4:07
  in
• 4:07
  the
• 4:07
  gym.
• 4:08
  You
• 4:08
  don't
• 4:08
  get
• 4:08
  confident
• 4:08
  by
• 4:09
  thinking
• 4:09
  about
• 4:09
  it.
• 4:09
  You
• 4:09
  don't
• 4:10
  sit
• 4:10
  there
• 4:10
  and
• 4:10
  ponder,
• 4:10
  well,
• 4:11
  I'm
• 4:11
  going
• 4:11
  to
• 4:11
  get
• 4:11
  confident
• 4:11
  today.
• 4:12
  You
• 4:12
  get
• 4:13
  confident
• 4:13
  by
• 4:13
  doing
• 4:14
  small
• 4:14
  things
• 4:14
  consistently
• 4:15
  and
• 4:16
  seeing
• 4:16
  that
• 4:16
  progress
• 4:16
  over
• 4:17
  time.
• 4:17
  So
• 4:17
  that's
• 4:17
  a
• 4:18
  prime
• 4:18
  for
• 4:18
  a
• 4:18
  lot
• 4:18
  of
• 4:18
  people,
• 4:19
  because
• 4:19
  it
• 4:19
  takes
• 4:20
  time.
• 4:20
  You
• 4:21
  don't
• 4:21
  have
• 4:21
  to
• 4:21
  do
• 4:21
  it
• 4:21
  perfectly.
• 4:22
  You
• 4:22
  just
• 4:23
  have
• 4:23
  to
• 4:23
  do
• 4:23
  it
• 4:23
  faithfully.
• 4:25
  I'm
• 4:25
  Ralph
• 4:25
  Estep
• 4:26
  Jr.
• 4:26
  I'm
• 4:26
  an
• 4:27
  accountant,
• 4:27
  and
• 4:27
  I've
• 4:28
  worked
• 4:28
  with
• 4:28
  people
• 4:28
  who
• 4:29
  felt
• 4:29
  totally
• 4:30
  overwhelmed,
• 4:31
  people
• 4:31
  who
• 4:31
  were
• 4:32
  sure
• 4:32
  they
• 4:32
  were
• 4:32
  bad
• 4:33
  with
• 4:33
  money.
• 4:33
  I
• 4:33
  don't
• 4:33
  know
• 4:33
  how
• 4:33
  many
• 4:33
  people
• 4:34
  I've
• 4:34
  talked
• 4:34
  to
• 4:34
  over
• 4:34
  the
• 4:34
  last
• 4:35
  30
• 4:35
  who
• 4:35
  said
• 4:35
  to
• 4:35
  me,
• 4:35
  ralph,
• 4:36
  I
• 4:36
  am
• 4:36
  terrible
• 4:37
  with
• 4:37
  money,
• 4:38
  but
• 4:38
  I've
• 4:38
  watched
• 4:39
  them
• 4:39
  become
• 4:39
  steady.
• 4:40
  I've
• 4:40
  watched
• 4:40
  them
• 4:40
  build
• 4:41
  that
• 4:41
  confidence.
• 4:41
  Now,
• 4:42
  not
• 4:42
  because
• 4:42
  they
• 4:42
  became
• 4:43
  financial
• 4:43
  geniuses,
• 4:44
  but
• 4:45
  because
• 4:45
  they
• 4:45
  took
• 4:45
  small
• 4:46
  steps
• 4:46
  until
• 4:47
  the
• 4:47
  steps
• 4:47
  became
• 4:48
  normal.
• 4:48
  It
• 4:49
  became
• 4:49
  what
• 4:49
  they
• 4:49
  do.
• 4:51
  And
• 4:51
  guess
• 4:51
  what?
• 4:51
  That's
• 4:52
  available
• 4:52
  to
• 4:52
  you,
• 4:52
  too,
• 4:53
  starting
• 4:53
  today.
• 4:54
  I
• 4:54
  remember
• 4:54
  talking
• 4:55
  with
• 4:55
  somebody
• 4:55
  who
• 4:55
  told
• 4:55
  me,
• 4:56
  ralph,
• 4:56
  I
• 4:56
  feel
• 4:57
  stupid
• 4:57
  when
• 4:57
  it
• 4:57
  comes
• 4:57
  to
• 4:58
  money.
• 4:59
  And
• 4:59
  I
• 4:59
  said
• 4:59
  to
• 4:59
  him,
• 4:59
  I
• 5:00
  said,
• 5:00
  you're
• 5:00
  not
• 5:00
  stupid.
• 5:00
  You're
• 5:01
  just
• 5:01
  untrained.
• 5:02
  Because
• 5:02
  no
• 5:02
  one
• 5:02
  teaches
• 5:03
  most
• 5:03
  of
• 5:03
  us
• 5:04
  this
• 5:04
  thing.
• 5:04
  We
• 5:05
  do
• 5:05
  a
• 5:05
  terrible
• 5:05
  job
• 5:06
  of
• 5:06
  teaching
• 5:06
  finances
• 5:07
  in
• 5:08
  all
• 5:08
  cultures.
• 5:09
  See,
• 5:09
  we
• 5:09
  get
• 5:09
  taught
• 5:10
  how
• 5:10
  to
• 5:10
  work,
• 5:10
  but
• 5:11
  we
• 5:11
  don't
• 5:11
  get
• 5:11
  taught
• 5:11
  how
• 5:11
  to
• 5:11
  manage
• 5:12
  what
• 5:12
  we
• 5:12
  earn.
• 5:12
  We're
• 5:12
  great.
• 5:13
  We
• 5:13
  get
• 5:13
  taught
• 5:13
  how
• 5:14
  to
• 5:14
  go
• 5:14
  out
• 5:14
  and
• 5:14
  make
• 5:14
  that
• 5:14
  buck,
• 5:15
  but
• 5:16
  nobody
• 5:16
  sells.
• 5:16
  Nobody.
• 5:17
  Not
• 5:17
  too
• 5:17
  many
• 5:17
  people
• 5:18
  share
• 5:18
  with
• 5:18
  us
• 5:19
  how
• 5:19
  to
• 5:19
  save
• 5:19
  that
• 5:19
  dollar
• 5:20
  for
• 5:20
  how
• 5:20
  to
• 5:20
  put
• 5:20
  it
• 5:20
  to
• 5:21
  work
• 5:21
  for
• 5:21
  us.
• 5:22
  So
• 5:23
  once
• 5:23
  I
• 5:23
  help
• 5:23
  them
• 5:23
  start
• 5:24
  doing
• 5:24
  one
• 5:24
  simple
• 5:25
  thing
• 5:25
  a
• 5:25
  day,
• 5:25
  maybe
• 5:25
  it's
• 5:26
  looking
• 5:26
  at
• 5:26
  their
• 5:26
  balance,
• 5:27
  tracking
• 5:27
  their
• 5:27
  spending,
• 5:28
  or
• 5:28
  making
• 5:29
  a
• 5:29
  plan
• 5:29
  for
• 5:29
  payday,
• 5:31
  they
• 5:31
  say
• 5:31
  something
• 5:32
  I
• 5:32
  will
• 5:32
  never
• 5:32
  forget
• 5:33
  the
• 5:33
  rest
• 5:33
  of
• 5:33
  my
• 5:33
  life.
• 5:34
  Ralph.
• 5:34
  I'm
• 5:34
  not
• 5:34
  scared
• 5:35
  of
• 5:35
  money
• 5:35
  anymore,
• 5:37
  friend.
• 5:37
  That's
• 5:38
  what
• 5:38
  I
• 5:38
  want
• 5:38
  for
• 5:38
  you
• 5:38
  today.
• 5:39
  I
• 5:39
  don't
• 5:39
  want
• 5:39
  perfection.
• 5:40
  I
• 5:40
  just
• 5:40
  want
• 5:41
  peace.
• 5:42
  So
• 5:42
  here's
• 5:42
  the
• 5:42
  real
• 5:42
  question
• 5:43
  today.
• 5:43
  What
• 5:44
  would
• 5:44
  change
• 5:44
  for
• 5:44
  you
• 5:45
  if
• 5:45
  you
• 5:46
  stopped
• 5:46
  aiming
• 5:46
  for
• 5:47
  perfection
• 5:48
  and
• 5:48
  started
• 5:48
  aiming
• 5:49
  for
• 5:49
  just
• 5:49
  progress?
• 5:51
  What
• 5:51
  would
• 5:51
  change
• 5:51
  if
• 5:52
  you
• 5:52
  let
• 5:52
  small
• 5:53
  count
• 5:54
  again?
• 5:54
  See,
• 5:55
  it
• 5:55
  starts
• 5:55
  here.
• 5:56
  Your
• 5:56
  confidence
• 5:56
  grows
• 5:57
  as
• 5:57
  you
• 5:57
  learn.
• 5:58
  A
• 5:58
  lot
• 5:58
  of
• 5:58
  people
• 5:58
  think,
• 5:59
  well,
• 5:59
  I'm
• 5:59
  just
• 5:59
  going
• 5:59
  to
• 5:59
  arrive
• 5:59
  at
• 5:59
  confidence.
• 6:00
  No,
• 6:00
  it's
• 6:00
  not
• 6:00
  the
• 6:00
  way
• 6:00
  it
• 6:00
  works.
• 6:01
  Confidence
• 6:01
  comes
• 6:02
  from
• 6:02
  understanding,
• 6:03
  and
• 6:03
  you're
• 6:03
  not
• 6:03
  going
• 6:03
  to
• 6:04
  get
• 6:04
  it
• 6:04
  all
• 6:04
  at
• 6:04
  once.
• 6:04
  It
• 6:05
  comes
• 6:05
  little
• 6:05
  by
• 6:05
  little.
• 6:06
  It
• 6:07
  comes
• 6:07
  with
• 6:07
  one
• 6:07
  lesson,
• 6:08
  one
• 6:08
  habit,
• 6:09
  one
• 6:09
  oh,
• 6:10
  that
• 6:10
  makes
• 6:10
  sense.
• 6:11
  Moment.
• 6:11
  One
• 6:11
  of
• 6:11
  those
• 6:11
  aha
• 6:12
  moments.
• 6:13
  So
• 6:13
  don't
• 6:14
  shame
• 6:14
  yourself
• 6:14
  for
• 6:14
  what
• 6:15
  you
• 6:15
  don't
• 6:15
  know.
• 6:16
  Just
• 6:16
  start
• 6:17
  learning
• 6:17
  what
• 6:17
  you
• 6:17
  need
• 6:18
  next,
• 6:18
  friend,
• 6:19
  you
• 6:19
  don't
• 6:19
  need
• 6:19
  the
• 6:20
  whole
• 6:20
  manual.
• 6:20
  Remember
• 6:21
  when
• 6:21
  my
• 6:21
  kids
• 6:21
  were
• 6:22
  born,
• 6:22
  I
• 6:22
  thought
• 6:22
  when
• 6:23
  we
• 6:23
  were
• 6:23
  leaving
• 6:23
  the
• 6:23
  hospital
• 6:23
  they
• 6:24
  better
• 6:24
  give
• 6:24
  me
• 6:24
  a
• 6:24
  manual
• 6:25
  for
• 6:25
  how
• 6:25
  to
• 6:25
  do
• 6:25
  this.
• 6:25
  Guess
• 6:26
  what?
• 6:26
  There
• 6:26
  was
• 6:26
  no
• 6:26
  manual
• 6:27
  at
• 6:27
  checkout.
• 6:28
  I
• 6:28
  went
• 6:28
  home
• 6:28
  and
• 6:28
  guess
• 6:29
  what?
• 6:29
  I
• 6:29
  did.
• 6:29
  I.
• 6:29
  I
• 6:29
  learned
• 6:29
  it
• 6:30
  one
• 6:30
  day
• 6:30
  at
• 6:30
  a
• 6:30
  time.
• 6:31
  One
• 6:31
  dirty
• 6:31
  diaper
• 6:31
  at
• 6:32
  a
• 6:32
  time,
• 6:32
  one
• 6:32
  bottle
• 6:33
  feeding,
• 6:33
  one
• 6:33
  temper
• 6:34
  tantrum.
• 6:35
  Just
• 6:35
  one
• 6:35
  thing
• 6:36
  at
• 6:36
  a
• 6:36
  time.
• 6:36
  They
• 6:37
  didn't
• 6:37
  give
• 6:37
  me
• 6:37
  a
• 6:37
  whole
• 6:37
  manual.
• 6:38
  I
• 6:38
  don't
• 6:38
  have
• 6:38
  the
• 6:38
  whole
• 6:39
  manual
• 6:39
  now,
• 6:39
  and
• 6:39
  my
• 6:39
  kids
• 6:40
  are
• 6:40
  in
• 6:40
  their
• 6:40
  20s.
• 6:41
  But
• 6:42
  the
• 6:42
  truth
• 6:42
  is,
• 6:42
  you
• 6:42
  just
• 6:43
  need
• 6:43
  one
• 6:43
  simple
• 6:44
  system
• 6:44
  that
• 6:44
  you
• 6:44
  can
• 6:45
  repeat.
• 6:45
  You
• 6:46
  don't
• 6:46
  need
• 6:46
  10
• 6:46
  apps.
• 6:46
  A
• 6:47
  lot
• 6:47
  of
• 6:47
  clowns
• 6:47
  out
• 6:47
  there.
• 6:47
  Well,
• 6:48
  get
• 6:48
  this
• 6:48
  up
• 6:48
  and
• 6:48
  get
• 6:48
  this
• 6:49
  up
• 6:49
  and.
• 6:49
  No,
• 6:49
  you
• 6:50
  don't
• 6:50
  need
• 6:50
  any
• 6:50
  of
• 6:50
  that.
• 6:51
  You
• 6:51
  just
• 6:52
  need
• 6:52
  one
• 6:52
  simple
• 6:53
  system
• 6:53
  that
• 6:53
  you
• 6:53
  can
• 6:54
  do
• 6:54
  consistently.
• 6:55
  And
• 6:55
  for
• 6:56
  most
• 6:56
  people,
• 6:56
  it's
• 6:56
  this
• 6:57
  basic.
• 6:57
  Here's
• 6:58
  what
• 6:58
  you
• 6:58
  really
• 6:58
  need
• 6:58
  to
• 6:58
  know.
• 6:59
  What
• 6:59
  comes
• 6:59
  in,
• 7:00
  what
• 7:00
  goes
• 7:00
  out,
• 7:01
  and
• 7:01
  give
• 7:01
  every
• 7:02
  dollar
• 7:02
  a
• 7:02
  job.
• 7:03
  See,
• 7:04
  a
• 7:04
  simple
• 7:04
  plan
• 7:04
  beats
• 7:05
  a
• 7:05
  complicated
• 7:05
  plan
• 7:05
  that
• 7:06
  you're
• 7:06
  not
• 7:06
  going
• 7:06
  to
• 7:06
  use.
• 7:07
  So
• 7:07
  many
• 7:07
  people
• 7:08
  buy
• 7:08
  these
• 7:08
  apps,
• 7:08
  especially
• 7:09
  this
• 7:09
  time
• 7:09
  of
• 7:09
  year.
• 7:09
  Oh,
• 7:09
  I'm
• 7:10
  going
• 7:10
  to
• 7:10
  start
• 7:10
  off
• 7:10
  the
• 7:10
  beginning
• 7:10
  of
• 7:11
  the
• 7:11
  year.
• 7:11
  I'm
• 7:11
  going
• 7:11
  to
• 7:11
  have
• 7:12
  this
• 7:12
  great
• 7:12
  app.
• 7:12
  I'm
• 7:12
  going
• 7:12
  to
• 7:12
  track
• 7:13
  everything.
• 7:13
  They
• 7:13
  don't
• 7:13
  do
• 7:13
  it,
• 7:14
  but
• 7:15
  you
• 7:15
  can
• 7:15
  do
• 7:15
  simple,
• 7:16
  can't
• 7:16
  you?
• 7:17
  Because
• 7:17
  small
• 7:17
  steps
• 7:18
  create
• 7:18
  momentum.
• 7:19
  Don't
• 7:19
  start
• 7:19
  with
• 7:19
  the
• 7:20
  hardest
• 7:20
  thing.
• 7:20
  So
• 7:20
  many
• 7:20
  times
• 7:21
  in
• 7:21
  our
• 7:21
  lives,
• 7:21
  we
• 7:22
  start
• 7:22
  with
• 7:22
  the
• 7:22
  hardest
• 7:22
  thing.
• 7:23
  Well,
• 7:23
  I'm
• 7:23
  going
• 7:24
  to
• 7:24
  do
• 7:24
  this
• 7:24
  hardest
• 7:24
  thing
• 7:24
  because
• 7:25
  if
• 7:25
  I
• 7:25
  can
• 7:25
  get
• 7:25
  this
• 7:25
  one,
• 7:26
  I
• 7:26
  can
• 7:26
  do
• 7:26
  the
• 7:26
  rest.
• 7:27
  Friend.
• 7:28
  Don't
• 7:28
  do
• 7:28
  that.
• 7:28
  Start
• 7:29
  with
• 7:29
  the
• 7:29
  next
• 7:29
  thing.
• 7:30
  Five
• 7:31
  minutes.
• 7:31
  Just
• 7:32
  one
• 7:32
  category.
• 7:32
  One
• 7:33
  bill,
• 7:33
  one
• 7:33
  transfer.
• 7:35
  But
• 7:35
  you
• 7:35
  got
• 7:35
  to
• 7:35
  realize
• 7:36
  small
• 7:36
  steps
• 7:36
  are
• 7:37
  not
• 7:37
  going
• 7:37
  to
• 7:37
  feel
• 7:37
  impressive.
• 7:38
  They're
• 7:39
  going
• 7:39
  to
• 7:39
  feel
• 7:39
  like
• 7:39
  you're
• 7:39
  not
• 7:39
  getting
• 7:40
  anywhere.
• 7:41
  Just
• 7:41
  small
• 7:41
  little
• 7:42
  baby
• 7:42
  steps.
• 7:42
  What
• 7:42
  they're
• 7:43
  doing,
• 7:43
  they're
• 7:43
  building
• 7:43
  trust.
• 7:44
  And
• 7:44
  they're
• 7:45
  building
• 7:45
  the
• 7:45
  best
• 7:45
  trust
• 7:46
  of
• 7:46
  all.
• 7:46
  They're
• 7:46
  building
• 7:46
  trust
• 7:47
  in
• 7:47
  yourself.
• 7:47
  They're
• 7:48
  building
• 7:48
  trust
• 7:48
  in
• 7:48
  the
• 7:49
  progress
• 7:49
  and
• 7:50
  trust
• 7:50
  that
• 7:50
  you
• 7:50
  can
• 7:51
  grow.
• 7:52
  And,
• 7:52
  friend,
• 7:52
  you
• 7:53
  can
• 7:53
  grow.
• 7:54
  See,
• 7:54
  because
• 7:55
  confidence
• 7:55
  is
• 7:55
  the
• 7:56
  reward
• 7:56
  of
• 7:56
  action,
• 7:57
  not
• 7:57
  the
• 7:57
  requirement
• 7:58
  of
• 7:58
  action.
• 7:59
  If
• 7:59
  you
• 7:59
  wait
• 7:59
  until
• 8:00
  you
• 8:00
  feel
• 8:00
  confident
• 8:01
  to
• 8:01
  take
• 8:01
  action,
• 8:02
  you're
• 8:02
  going
• 8:02
  to
• 8:02
  be
• 8:02
  waiting
• 8:03
  a
• 8:03
  long
• 8:03
  time.
• 8:03
  In
• 8:03
  fact,
• 8:04
  you're
• 8:04
  never
• 8:04
  going
• 8:04
  to
• 8:04
  feel
• 8:05
  that
• 8:05
  way.
• 8:06
  Because
• 8:06
  confidence
• 8:07
  is
• 8:07
  the
• 8:07
  reward
• 8:07
  of
• 8:08
  doing
• 8:08
  something.
• 8:08
  It's
• 8:09
  the
• 8:09
  reward
• 8:09
  of
• 8:09
  action,
• 8:10
  not
• 8:10
  the
• 8:10
  requirement
• 8:11
  of
• 8:11
  doing
• 8:12
  it.
• 8:12
  See,
• 8:13
  when
• 8:13
  you
• 8:13
  take
• 8:13
  the
• 8:13
  next
• 8:14
  step,
• 8:14
  then
• 8:14
  you
• 8:14
  feel
• 8:15
  steadier.
• 8:16
  It's
• 8:16
  not
• 8:16
  the
• 8:16
  other
• 8:16
  way
• 8:16
  around.
• 8:17
  You
• 8:17
  don't
• 8:17
  feel
• 8:17
  steadier,
• 8:18
  so
• 8:18
  you
• 8:18
  take
• 8:18
  the
• 8:18
  next
• 8:18
  step.
• 8:20
  So,
• 8:20
  friend,
• 8:20
  you
• 8:20
  don't
• 8:21
  need
• 8:21
  to
• 8:21
  feel
• 8:21
  ready
• 8:22
  for
• 8:22
  this.
• 8:22
  You
• 8:22
  just
• 8:22
  need
• 8:23
  to
• 8:23
  take
• 8:23
  one
• 8:23
  step.
• 8:24
  You
• 8:24
  got
• 8:25
  to
• 8:25
  understand
• 8:25
  that
• 8:25
  your
• 8:26
  goal
• 8:26
  is
• 8:26
  clarity,
• 8:27
  not
• 8:27
  control.
• 8:28
  So
• 8:28
  many
• 8:28
  people
• 8:28
  think
• 8:29
  confidence
• 8:29
  means
• 8:29
  controlling
• 8:30
  every
• 8:30
  outcome.
• 8:30
  I
• 8:31
  used
• 8:31
  to
• 8:31
  think
• 8:31
  that
• 8:31
  my
• 8:32
  wife
• 8:32
  always
• 8:32
  said,
• 8:32
  you're
• 8:33
  a
• 8:33
  control
• 8:33
  freak.
• 8:33
  You
• 8:33
  try
• 8:34
  to
• 8:34
  control
• 8:34
  everything.
• 8:35
  But
• 8:35
  that's
• 8:36
  not
• 8:36
  confidence.
• 8:37
  I'm
• 8:37
  going
• 8:37
  to
• 8:37
  say
• 8:38
  something
• 8:38
  funny.
• 8:38
  That's
• 8:38
  anxiety
• 8:39
  wearing
• 8:39
  a
• 8:39
  suit.
• 8:41
  See,
• 8:41
  real
• 8:41
  confidence
• 8:42
  is
• 8:42
  this.
• 8:42
  I
• 8:42
  can
• 8:43
  face
• 8:43
  the
• 8:43
  truth.
• 8:44
  I
• 8:44
  can
• 8:45
  make
• 8:45
  a
• 8:45
  plan.
• 8:45
  I
• 8:46
  can
• 8:46
  adjust
• 8:46
  when
• 8:47
  life
• 8:47
  changes.
• 8:47
  Because
• 8:48
  guess
• 8:48
  what?
• 8:48
  Life's
• 8:48
  going
• 8:49
  to
• 8:49
  change.
• 8:49
  That's
• 8:50
  being
• 8:50
  mature.
• 8:51
  That's
• 8:51
  being
• 8:51
  studied.
• 8:52
  That's
• 8:53
  what
• 8:53
  you're
• 8:53
  building
• 8:53
  today.
• 8:54
  And
• 8:55
  see,
• 8:55
  over
• 8:55
  time,
• 8:56
  day
• 8:56
  in
• 8:56
  and
• 8:56
  day
• 8:57
  out,
• 8:57
  that
• 8:57
  consistency
• 8:58
  builds
• 8:58
  a
• 8:58
  new
• 8:59
  identity.
• 8:59
  When
• 9:00
  you
• 9:00
  practice
• 9:00
  wise
• 9:01
  money
• 9:01
  habits,
• 9:02
  you
• 9:02
  start
• 9:03
  believing
• 9:03
  something
• 9:04
  new
• 9:04
  about
• 9:04
  yourself.
• 9:05
  You
• 9:05
  start
• 9:05
  to
• 9:05
  believe,
• 9:05
  I
• 9:06
  am
• 9:06
  a
• 9:06
  good
• 9:06
  steward.
• 9:07
  I'm
• 9:07
  good
• 9:07
  with
• 9:07
  money.
• 9:08
  I'm
• 9:08
  learning.
• 9:09
  I'm
• 9:09
  not
• 9:09
  afraid
• 9:09
  anymore.
• 9:11
  That
• 9:11
  doesn't
• 9:11
  happen
• 9:12
  overnight.
• 9:12
  It
• 9:12
  happens
• 9:13
  day
• 9:13
  in
• 9:13
  and
• 9:14
  day
• 9:14
  out.
• 9:14
  When
• 9:14
  you
• 9:14
  make
• 9:15
  better
• 9:15
  decisions,
• 9:15
  when
• 9:16
  you're
• 9:16
  building
• 9:16
  that
• 9:17
  confidence,
• 9:17
  when
• 9:17
  you're
• 9:17
  taking
• 9:18
  those
• 9:18
  steps
• 9:18
  day
• 9:19
  after
• 9:19
  day.
• 9:19
  And
• 9:20
  that
• 9:20
  identity
• 9:20
  shifts
• 9:21
  over
• 9:21
  time.
• 9:22
  And
• 9:22
  those
• 9:22
  shifts
• 9:23
  are
• 9:23
  slowly
• 9:24
  creating
• 9:24
  peace.
• 9:25
  And
• 9:25
  you're
• 9:26
  realizing,
• 9:27
  I'm
• 9:27
  not
• 9:27
  stuck,
• 9:29
  I'm
• 9:29
  becoming.
• 9:30
  Let's
• 9:30
  look
• 9:31
  at
• 9:31
  Book
• 9:31
  of
• 9:31
  James,
• 9:31
  chapter
• 9:32
  one,
• 9:32
  verse
• 9:32
  five.
• 9:33
  If
• 9:33
  any
• 9:33
  of
• 9:34
  you
• 9:34
  lacks
• 9:34
  wisdom,
• 9:35
  you
• 9:35
  should
• 9:35
  ask
• 9:36
  God,
• 9:36
  who
• 9:36
  gives
• 9:36
  generously
• 9:37
  to
• 9:37
  all
• 9:37
  without
• 9:38
  finding
• 9:38
  fault,
• 9:39
  and
• 9:39
  it
• 9:39
  will
• 9:39
  be
• 9:39
  given
• 9:40
  to
• 9:40
  you.
• 9:40
  I
• 9:40
  want
• 9:41
  you
• 9:41
  to
• 9:41
  notice
• 9:41
  the
• 9:41
  phrase
• 9:42
  here,
• 9:43
  without
• 9:43
  finding
• 9:44
  fault,
• 9:45
  because
• 9:45
  that's
• 9:45
  critical
• 9:46
  here.
• 9:46
  God's
• 9:46
  not
• 9:47
  shaming
• 9:47
  you
• 9:47
  for
• 9:47
  needing
• 9:48
  wisdom.
• 9:48
  He's
• 9:49
  generous
• 9:49
  with
• 9:49
  it
• 9:49
  he
• 9:49
  wants
• 9:50
  you
• 9:50
  to.
• 9:50
  So
• 9:50
  ask
• 9:51
  him.
• 9:51
  Ask
• 9:52
  him
• 9:52
  for
• 9:52
  help.
• 9:52
  Ask
• 9:53
  him
• 9:53
  for
• 9:53
  what
• 9:53
  you
• 9:54
  need
• 9:54
  and
• 9:54
  then
• 9:54
  take
• 9:55
  the
• 9:55
  next
• 9:55
  step
• 9:55
  with
• 9:56
  his
• 9:56
  help.
• 9:57
  So
• 9:57
  here's
• 9:57
  your
• 9:57
  action
• 9:58
  step
• 9:58
  for
• 9:58
  today.
• 9:58
  I
• 9:58
  want
• 9:59
  you
• 9:59
  to
• 9:59
  take
• 9:59
  just
• 9:59
  one
• 9:59
  financial
• 10:00
  step
• 10:00
  today.
• 10:01
  Just
• 10:01
  one.
• 10:01
  Not
• 10:02
  five,
• 10:02
  not
• 10:02
  ten,
• 10:03
  just
• 10:03
  one.
• 10:03
  I
• 10:04
  want
• 10:04
  you
• 10:04
  to
• 10:04
  choose
• 10:04
  one.
• 10:04
  Here's
• 10:05
  some
• 10:05
  examples.
• 10:06
  Look
• 10:06
  at
• 10:06
  your
• 10:06
  budget
• 10:06
  for
• 10:06
  just
• 10:07
  five
• 10:07
  minutes.
• 10:08
  Set
• 10:08
  up
• 10:08
  a
• 10:08
  small
• 10:09
  savings
• 10:09
  transit.
• 10:09
  We
• 10:10
  talked
• 10:10
  a
• 10:10
  lot
• 10:10
  about
• 10:10
  savings
• 10:10
  last
• 10:11
  few
• 10:11
  days.
• 10:12
  Write
• 10:12
  down
• 10:12
  all
• 10:12
  your
• 10:12
  bills
• 10:13
  in
• 10:13
  the
• 10:13
  due
• 10:13
  dates
• 10:14
  track
• 10:14
  one
• 10:15
  day
• 10:15
  of
• 10:15
  spending.
• 10:16
  Read
• 10:16
  one
• 10:16
  short
• 10:16
  article
• 10:17
  or
• 10:17
  a
• 10:17
  short
• 10:18
  section
• 10:18
  about
• 10:18
  money.
• 10:19
  Just
• 10:19
  choose
• 10:19
  one.
• 10:19
  Take
• 10:20
  one
• 10:20
  financial
• 10:21
  step
• 10:21
  today
• 10:22
  and
• 10:23
  then
• 10:23
  say
• 10:23
  this
• 10:23
  out
• 10:23
  loud.
• 10:24
  People
• 10:24
  may
• 10:24
  think
• 10:24
  you're
• 10:24
  crazy,
• 10:25
  but
• 10:25
  say
• 10:25
  confidence
• 10:26
  comes
• 10:26
  from
• 10:26
  action.
• 10:28
  And
• 10:28
  then
• 10:28
  tomorrow
• 10:29
  do
• 10:29
  one
• 10:29
  more
• 10:30
  step
• 10:31
  because
• 10:31
  that's
• 10:31
  how
• 10:31
  confidence
• 10:32
  and
• 10:32
  built
• 10:32
  one
• 10:33
  thing
• 10:33
  at
• 10:33
  a
• 10:33
  time,
• 10:33
  one
• 10:34
  rep
• 10:34
  at
• 10:34
  a
• 10:34
  time.
• 10:35
  And
• 10:35
  if
• 10:36
  we're
• 10:36
  being
• 10:36
  honest
• 10:36
  with
• 10:36
  ourselves,
• 10:37
  we
• 10:37
  can
• 10:37
  do
• 10:37
  one
• 10:37
  rep,
• 10:38
  can't
• 10:38
  we?
• 10:39
  Let's
• 10:40
  pray
• 10:40
  together.
• 10:40
  Lord,
• 10:40
  thank
• 10:41
  you
• 10:41
  for
• 10:41
  giving
• 10:41
  wisdom
• 10:42
  generously
• 10:42
  to
• 10:43
  us.
• 10:43
  Help
• 10:44
  us
• 10:44
  take
• 10:44
  steps
• 10:44
  of
• 10:45
  faith
• 10:45
  and
• 10:45
  grow
• 10:45
  in
• 10:46
  confidence.
• 10:46
  Lord.
• 10:46
  Replace
• 10:47
  confusion
• 10:48
  with
• 10:48
  clarity.
• 10:49
  Replace
• 10:49
  our
• 10:49
  shame
• 10:50
  with
• 10:50
  peace.
• 10:51
  And
• 10:51
  teach
• 10:51
  us
• 10:52
  to
• 10:52
  be
• 10:52
  wise,
• 10:52
  faithful
• 10:53
  stewards.
• 10:54
  And
• 10:54
  for
• 10:54
  the
• 10:55
  person
• 10:55
  listening
• 10:55
  right
• 10:56
  now,
• 10:56
  steady
• 10:56
  their
• 10:57
  heart.
• 10:57
  Lord.
• 10:57
  Give
• 10:57
  them
• 10:58
  courage
• 10:58
  for
• 10:58
  just
• 10:58
  one
• 10:59
  small
• 10:59
  step
• 10:59
  today.
• 11:01
  And
• 11:01
  we
• 11:01
  ask
• 11:01
  this
• 11:01
  in
• 11:01
  Jesus
• 11:02
  name.
• 11:03
  Amen.
• 11:04
  Friend.
• 11:04
  If
• 11:04
  you
• 11:05
  feel
• 11:05
  clueless
• 11:06
  and
• 11:06
  you
• 11:06
  want
• 11:06
  a
• 11:06
  safe
• 11:07
  place
• 11:07
  to
• 11:07
  glow,
• 11:08
  come
• 11:08
  join
• 11:08
  us
• 11:09
  at
• 11:09
  financiallyconfidentchristian.com/join
• 11:12
  again.
• 11:12
  That's
• 11:12
  financiallyconfidentchristian.com/join.
• 11:16
  You're
• 11:16
  going
• 11:16
  to
• 11:16
  find
• 11:17
  encouragement
• 11:17
  and
• 11:17
  guidance
• 11:18
  and
• 11:18
  a
• 11:18
  community
• 11:19
  that
• 11:19
  will
• 11:19
  remind
• 11:19
  you
• 11:19
  of
• 11:20
  this.
• 11:20
  You're
• 11:21
  not
• 11:21
  behind,
• 11:22
  you're
• 11:22
  becoming.
• 11:23
  And
• 11:23
  friend,
• 11:24
  you
• 11:24
  don't
• 11:24
  have
• 11:25
  to
• 11:25
  learn
• 11:25
  this
• 11:25
  alone.
• 11:26
  In
• 11:26
  the
• 11:27
  end,
• 11:27
  you
• 11:27
  don't
• 11:27
  need
• 11:27
  to
• 11:27
  know
• 11:28
  everything.
• 11:29
  You
• 11:29
  just
• 11:29
  need
• 11:29
  to
• 11:30
  take
• 11:30
  the
• 11:30
  next
• 11:30
  step.
• 11:31
  And
• 11:31
  God
• 11:32
  gives
• 11:32
  wisdom
• 11:32
  generously.
• 11:33
  That's
• 11:33
  what
• 11:33
  the
• 11:33
  Bible
• 11:33
  told
• 11:33
  us
• 11:34
  today.
• 11:35
  Now
• 11:35
  tomorrow
• 11:35
  we're
• 11:35
  going
• 11:36
  to
• 11:36
  talk
• 11:36
  about
• 11:36
  how
• 11:36
  you
• 11:36
  shift
• 11:37
  from
• 11:37
  consumer
• 11:37
  to
• 11:38
  steward.
• 11:38
  We're
• 11:38
  going
• 11:38
  to
• 11:38
  talk
• 11:39
  about
• 11:39
  a
• 11:39
  biblical
• 11:39
  mindset
• 11:40
  reset.
• 11:40
  It's
• 11:40
  going
• 11:41
  to
• 11:41
  be
• 11:41
  a
• 11:41
  great
• 11:41
  show.
• 11:42
  So
• 11:42
  today
• 11:43
  if
• 11:43
  you
• 11:43
  know
• 11:43
  somebody
• 11:44
  else
• 11:44
  who
• 11:44
  feels
• 11:44
  clueless
• 11:45
  about
• 11:45
  money,
• 11:45
  maybe
• 11:45
  you
• 11:46
  know,
• 11:46
  the
• 11:46
  brain.
• 11:46
  I
• 11:46
  got
• 11:46
  to
• 11:47
  talk
• 11:47
  to
• 11:47
  this
• 11:47
  person.
• 11:48
  Share
• 11:48
  the
• 11:48
  show
• 11:49
  with
• 11:49
  somebody
• 11:49
  else
• 11:49
  who
• 11:50
  feels
• 11:50
  clueless
• 11:50
  about
• 11:50
  money.
• 11:51
  Show
• 11:51
  them
• 11:51
  that
• 11:52
  there
• 11:52
  is
• 11:52
  no
• 11:52
  financial
• 11:53
  shame
• 11:53
  in
• 11:53
  this.
• 11:53
  They
• 11:54
  can
• 11:54
  walk
• 11:54
  in
• 11:54
  wisdom.
• 11:55
  They
• 11:55
  can.
• 11:55
  They
• 11:55
  can
• 11:55
  stay
• 11:55
  financially
• 11:56
  savvy
• 11:56
  and
• 11:57
  they
• 11:57
  can
• 11:57
  become
• 11:57
  a
• 11:58
  financially
• 11:58
  confident
• 11:59
  Christian.
• 11:59
  God
• 12:00
  bless
• 12:00
  you
• 12:00
  and
• 12:00
  you
• 12:00
  have
• 12:01
  a
• 12:01
  great
• 12:01
  day
• 12:01
  today.