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How Can I Get Ahead Financially for the Entire Fall Season? · Becoming Financially Confident

• 0:38
  Summer's
• 0:38
  flying
• 0:38
  by,
• 0:38
  and
• 0:39
  before
• 0:39
  you
• 0:39
  know
• 0:39
  it,
• 0:39
  fall's
• 0:40
  gonna
• 0:40
  hit
• 0:40
  with
• 0:40
  school
• 0:41
  expenses
• 0:41
  and
• 0:41
  holiday
• 0:42
  planning.
• 0:43
  Let
• 0:43
  me
• 0:43
  just
• 0:43
  ask
• 0:44
  you
• 0:44
  right
• 0:44
  now,
• 0:45
  does
• 0:45
  the
• 0:45
  thought
• 0:45
  of
• 0:45
  that
• 0:46
  annual
• 0:46
  financial
• 0:46
  shock
• 0:47
  make
• 0:47
  you
• 0:47
  dread
• 0:47
  the
• 0:48
  end
• 0:48
  of
• 0:48
  summer?
• 0:49
  Well,
• 0:49
  what
• 0:49
  if
• 0:49
  you
• 0:49
  could
• 0:49
  get
• 0:50
  ahead
• 0:50
  financially
• 0:51
  to
• 0:51
  prepare
• 0:51
  for
• 0:52
  the
• 0:52
  entire
• 0:52
  fall
• 0:53
  season
• 0:53
  and
• 0:54
  welcome
• 0:54
  it
• 0:54
  with
• 0:54
  peace
• 0:55
  and
• 0:55
  not
• 0:55
  panic?
• 0:56
  Well,
• 0:56
  stick
• 0:56
  with
• 0:56
  me
• 0:57
  today
• 0:57
  because
• 0:58
  I'm
• 0:58
  gonna
• 0:58
  show
• 0:58
  you
• 0:58
  exactly
• 0:58
  how
• 0:59
  to
• 0:59
  make
• 0:59
  that
• 0:59
  happen.
• 1:00
  That's
• 1:00
  what
• 1:00
  we're
• 1:00
  gonna
• 1:01
  talk
• 1:01
  about
• 1:01
  on
• 1:01
  today's
• 1:01
  show.
• 1:03
  This
• 1:04
  is
• 1:04
  Financially
• 1:04
  Confident
• 1:05
  Christian,
• 1:06
  your
• 1:06
  daily
• 1:06
  dose
• 1:07
  of
• 1:07
  gospel,
• 1:07
  grounded
• 1:08
  insight,
• 1:08
  and
• 1:09
  faith
• 1:09
  tip
• 1:10
  to
• 1:10
  help
• 1:10
  you
• 1:10
  break
• 1:10
  the
• 1:10
  cycle
• 1:11
  of
• 1:11
  financial
• 1:11
  shame
• 1:12
  with
• 1:12
  confidence.
• 1:14
  Hey,
• 1:14
  there.
• 1:15
  Welcome
• 1:15
  back
• 1:15
  to
• 1:15
  your
• 1:16
  daily
• 1:16
  Financially
• 1:16
  Confident
• 1:17
  Christian.
• 1:17
  I'm
• 1:18
  Ralph,
• 1:18
  and
• 1:18
  this
• 1:19
  is
• 1:19
  the
• 1:19
  show
• 1:19
  that
• 1:19
  answers
• 1:20
  that
• 1:20
  question,
• 1:21
  how
• 1:21
  can
• 1:21
  I
• 1:21
  become
• 1:22
  a
• 1:22
  financially
• 1:22
  confident
• 1:23
  Christian?
• 1:24
  And
• 1:24
  we're
• 1:24
  continuing
• 1:25
  in
• 1:25
  our
• 1:25
  series
• 1:25
  today
• 1:26
  Smart
• 1:26
  Money
• 1:26
  for
• 1:26
  Back
• 1:27
  to
• 1:27
  school
• 1:27
  and
• 1:27
  beyond.
• 1:28
  Now,
• 1:28
  if
• 1:28
  you
• 1:28
  missed
• 1:28
  yesterday's
• 1:29
  show,
• 1:29
  we
• 1:30
  kind
• 1:30
  of
• 1:30
  started
• 1:30
  this
• 1:31
  process.
• 1:31
  We
• 1:31
  talked
• 1:32
  about
• 1:32
  starting
• 1:32
  your
• 1:32
  back
• 1:32
  to
• 1:33
  school
• 1:33
  prep
• 1:33
  now
• 1:34
  to
• 1:34
  save
• 1:34
  money
• 1:35
  and,
• 1:35
  and
• 1:35
  to
• 1:35
  plan
• 1:36
  early.
• 1:36
  So
• 1:36
  if
• 1:36
  you
• 1:36
  missed
• 1:37
  it,
• 1:37
  I'm
• 1:37
  going
• 1:37
  to
• 1:37
  encourage
• 1:37
  you
• 1:37
  to
• 1:37
  go
• 1:38
  check
• 1:38
  it
• 1:38
  out.
• 1:38
  You
• 1:38
  can
• 1:39
  find
• 1:39
  all
• 1:39
  of
• 1:39
  our
• 1:39
  shows
• 1:40
  at
• 1:40
  financiallyconfidentchristian.com
• 1:43
  now,
• 1:43
  today,
• 1:43
  we're
• 1:43
  going
• 1:43
  to
• 1:44
  take
• 1:44
  it
• 1:44
  a
• 1:44
  little
• 1:44
  bit
• 1:44
  bigger
• 1:45
  picture.
• 1:45
  We're
• 1:46
  going
• 1:46
  to
• 1:46
  shift
• 1:46
  our
• 1:46
  focus
• 1:46
  to
• 1:47
  proactively
• 1:47
  preparing
• 1:48
  for
• 1:48
  the
• 1:48
  next
• 1:48
  season.
• 1:49
  I'm
• 1:49
  going
• 1:49
  to
• 1:50
  answer
• 1:50
  this
• 1:50
  question,
• 1:51
  how
• 1:51
  can
• 1:51
  I
• 1:51
  get
• 1:52
  ahead
• 1:52
  financially
• 1:53
  for
• 1:53
  the
• 1:53
  entire
• 1:54
  fall
• 1:54
  season?
• 1:54
  Hey,
• 1:55
  that's
• 1:55
  what
• 1:55
  we
• 1:55
  want
• 1:55
  to
• 1:55
  do.
• 1:55
  We
• 1:55
  don't
• 1:56
  want
• 1:56
  to
• 1:56
  have
• 1:56
  these
• 1:56
  surprises.
• 1:57
  We
• 1:57
  want
• 1:57
  to
• 1:57
  be
• 1:58
  ahead.
• 1:58
  We
• 1:58
  want
• 1:58
  to
• 1:59
  stick
• 1:59
  to
• 1:59
  our
• 1:59
  budget,
• 2:00
  and
• 2:00
  we
• 2:00
  really
• 2:01
  want
• 2:01
  to
• 2:01
  live
• 2:01
  out
• 2:02
  our
• 2:02
  faithful
• 2:03
  financial
• 2:03
  Christian
• 2:04
  mantra.
• 2:05
  And
• 2:06
  if,
• 2:06
  you
• 2:06
  know,
• 2:06
  like
• 2:06
  most
• 2:07
  people,
• 2:08
  you're
• 2:08
  feeling
• 2:08
  this
• 2:08
  all
• 2:09
  too
• 2:09
  well,
• 2:10
  you're
• 2:10
  starting
• 2:10
  to
• 2:10
  enjoy
• 2:11
  the
• 2:11
  last
• 2:11
  days
• 2:11
  of
• 2:11
  summer.
• 2:12
  You're
• 2:12
  thinking,
• 2:12
  oh,
• 2:13
  the
• 2:13
  colder
• 2:14
  weather's
• 2:14
  coming
• 2:14
  up
• 2:15
  right
• 2:15
  now
• 2:15
  in
• 2:15
  Delaware.
• 2:16
  It's
• 2:16
  hot.
• 2:16
  It's
• 2:16
  going
• 2:16
  to
• 2:16
  be
• 2:16
  like
• 2:17
  97
• 2:17
  this
• 2:17
  week.
• 2:18
  But
• 2:19
  you
• 2:19
  realize
• 2:19
  you
• 2:19
  look
• 2:20
  at
• 2:20
  the
• 2:20
  calendar,
• 2:20
  hey,
• 2:20
  those
• 2:21
  days
• 2:21
  are
• 2:21
  ticking
• 2:21
  away.
• 2:22
  And
• 2:23
  then
• 2:23
  suddenly
• 2:23
  start
• 2:24
  thinking
• 2:24
  about
• 2:24
  all
• 2:24
  the
• 2:25
  school
• 2:25
  expenses.
• 2:25
  We
• 2:26
  talked
• 2:26
  a
• 2:26
  little
• 2:26
  bit
• 2:26
  about
• 2:26
  these
• 2:26
  yesterday.
• 2:27
  Those
• 2:27
  school
• 2:27
  fees,
• 2:28
  those
• 2:28
  new
• 2:28
  fall
• 2:29
  clothes
• 2:29
  your
• 2:29
  kids
• 2:30
  got
• 2:30
  to
• 2:30
  have
• 2:30
  all
• 2:30
  those
• 2:30
  activities.
• 2:32
  And
• 2:32
  then
• 2:32
  just
• 2:33
  a
• 2:33
  little
• 2:33
  bird
• 2:33
  starts
• 2:34
  whispering
• 2:34
  in
• 2:34
  your
• 2:34
  ear,
• 2:35
  hey,
• 2:35
  it's
• 2:35
  not
• 2:35
  too
• 2:35
  far
• 2:36
  off
• 2:36
  from
• 2:36
  the
• 2:36
  holiday
• 2:37
  season.
• 2:38
  And
• 2:38
  the
• 2:38
  problem
• 2:39
  is
• 2:39
  this
• 2:39
  feels
• 2:40
  like
• 2:40
  a
• 2:40
  sudden
• 2:40
  overwhelming
• 2:41
  financial
• 2:42
  onslaught.
• 2:43
  And
• 2:44
  you
• 2:44
  feel
• 2:44
  this
• 2:44
  burden
• 2:45
  of
• 2:45
  being
• 2:45
  caught
• 2:45
  off
• 2:46
  guard
• 2:46
  by
• 2:46
  predictable
• 2:47
  seasonal
• 2:47
  expenses.
• 2:48
  I
• 2:48
  mentioned
• 2:48
  this
• 2:48
  on
• 2:49
  the
• 2:49
  show
• 2:49
  yesterday.
• 2:50
  The
• 2:51
  seasons,
• 2:51
  they
• 2:51
  come.
• 2:52
  They
• 2:52
  come.
• 2:52
  We
• 2:52
  need
• 2:52
  to
• 2:52
  start
• 2:52
  thinking
• 2:53
  about
• 2:53
  planning
• 2:53
  for
• 2:54
  these.
• 2:55
  But
• 2:55
  if
• 2:55
  we
• 2:55
  don't
• 2:56
  plan
• 2:56
  what
• 2:56
  does
• 2:56
  it
• 2:56
  lead
• 2:56
  to?
• 2:57
  It
• 2:57
  leads
• 2:57
  to
• 2:57
  overspending.
• 2:58
  It
• 2:58
  leads
• 2:59
  to
• 2:59
  frantic
• 2:59
  budgeting,
• 3:00
  dipping
• 3:01
  into
• 3:01
  our
• 3:01
  savings.
• 3:02
  And
• 3:02
  then
• 3:02
  we
• 3:02
  do
• 3:02
  that.
• 3:03
  We
• 3:03
  just
• 3:03
  find
• 3:04
  ourselves
• 3:04
  in
• 3:04
  this
• 3:05
  state
• 3:05
  of
• 3:05
  significant
• 3:06
  stress.
• 3:07
  And
• 3:07
  if
• 3:08
  we're
• 3:08
  not
• 3:08
  really
• 3:08
  careful,
• 3:09
  it
• 3:09
  really
• 3:09
  starts
• 3:09
  to
• 3:10
  erode
• 3:10
  our
• 3:10
  financial
• 3:11
  peace.
• 3:12
  But
• 3:12
  here's
• 3:13
  the
• 3:13
  thing,
• 3:13
  and
• 3:13
  I
• 3:13
  mentioned
• 3:14
  this
• 3:14
  yesterday,
• 3:14
  you
• 3:14
  might
• 3:14
  feel
• 3:15
  like
• 3:15
  I'm
• 3:15
  picking
• 3:15
  on
• 3:15
  you.
• 3:15
  That's
• 3:16
  not
• 3:16
  my
• 3:16
  goal
• 3:16
  here.
• 3:17
  But
• 3:17
  the
• 3:18
  fall
• 3:18
  and
• 3:18
  holidays
• 3:19
  are
• 3:19
  predictable
• 3:20
  seasons.
• 3:20
  We
• 3:21
  know
• 3:21
  that
• 3:21
  these
• 3:22
  seasons
• 3:22
  are
• 3:22
  coming,
• 3:22
  and
• 3:23
  we
• 3:23
  know
• 3:23
  that
• 3:23
  there's
• 3:23
  going
• 3:24
  to
• 3:24
  be
• 3:24
  increased
• 3:25
  expenses.
• 3:27
  We
• 3:27
  really
• 3:27
  need
• 3:27
  to
• 3:28
  start
• 3:28
  approaching
• 3:28
  these
• 3:29
  things
• 3:29
  as
• 3:30
  predictable
• 3:30
  things.
• 3:31
  We
• 3:31
  need
• 3:31
  to
• 3:31
  be
• 3:32
  proactively
• 3:32
  planning
• 3:33
  because
• 3:33
  that's
• 3:33
  the
• 3:33
  hallmark
• 3:34
  of
• 3:34
  savvy
• 3:35
  stewardship.
• 3:36
  Well,
• 3:36
  let's
• 3:36
  look
• 3:37
  to
• 3:37
  the
• 3:37
  Bible
• 3:37
  for
• 3:37
  some
• 3:38
  guidance.
• 3:38
  Let's
• 3:38
  jump
• 3:38
  right
• 3:39
  into
• 3:39
  Proverbs,
• 3:40
  chapter
• 3:40
  6,
• 3:41
  verses
• 3:41
  6
• 3:41
  to
• 3:41
  8.
• 3:42
  We
• 3:42
  talk
• 3:43
  about
• 3:43
  the
• 3:43
  ant
• 3:43
  here,
• 3:43
  and
• 3:43
  I
• 3:44
  mentioned
• 3:44
  the
• 3:44
  ant
• 3:44
  on
• 3:44
  the
• 3:44
  show.
• 3:45
  Can
• 3:45
  you
• 3:45
  like
• 3:45
  Ralph?
• 3:45
  Where
• 3:46
  is
• 3:46
  he
• 3:46
  going
• 3:46
  with
• 3:46
  this
• 3:46
  ant
• 3:47
  thing?
• 3:47
  Just
• 3:48
  endeavor
• 3:48
  me
• 3:48
  here.
• 3:48
  Proverbs
• 3:49
  6,
• 3:50
  6,
• 3:50
  8.
• 3:51
  Go
• 3:51
  to
• 3:51
  the
• 3:51
  ant,
• 3:52
  you
• 3:52
  sluggard.
• 3:53
  Consider
• 3:53
  its
• 3:54
  ways
• 3:54
  and
• 3:54
  be
• 3:54
  wise.
• 3:55
  It
• 3:55
  has
• 3:55
  no
• 3:55
  commander,
• 3:56
  no
• 3:57
  overseer
• 3:58
  or
• 3:58
  ruler,
• 3:59
  yet
• 3:59
  it
• 3:59
  stores
• 4:00
  up
• 4:00
  provision
• 4:00
  in
• 4:01
  summer
• 4:01
  and
• 4:02
  gathers
• 4:02
  its
• 4:02
  food
• 4:03
  at
• 4:03
  harvest.
• 4:05
  What
• 4:05
  am
• 4:05
  I
• 4:05
  talking
• 4:06
  about
• 4:06
  here?
• 4:06
  This
• 4:07
  is
• 4:07
  all
• 4:07
  about
• 4:07
  preparing.
• 4:09
  A
• 4:09
  lot
• 4:09
  of
• 4:09
  the
• 4:09
  times
• 4:09
  on
• 4:10
  this
• 4:10
  show,
• 4:10
  I'm
• 4:10
  talking
• 4:11
  about
• 4:11
  preparing.
• 4:11
  I'm
• 4:11
  talking
• 4:12
  about
• 4:12
  how
• 4:12
  to
• 4:12
  put
• 4:13
  yourself
• 4:13
  in
• 4:14
  a
• 4:14
  position
• 4:14
  where
• 4:14
  you're
• 4:15
  not
• 4:16
  scrambling
• 4:16
  at
• 4:16
  the
• 4:16
  last
• 4:17
  minute
• 4:18
  during
• 4:18
  those
• 4:19
  times
• 4:19
  of
• 4:19
  predictability,
• 4:20
  so
• 4:20
  that
• 4:20
  you
• 4:20
  know,
• 4:21
  hey,
• 4:21
  what's
• 4:21
  coming
• 4:21
  around
• 4:22
  the
• 4:22
  bend?
• 4:23
  Let's
• 4:23
  look
• 4:23
  at
• 4:23
  the
• 4:23
  second
• 4:24
  biblical
• 4:24
  principle,
• 4:25
  and
• 4:25
  that's
• 4:25
  prudence.
• 4:26
  We're
• 4:26
  going
• 4:26
  to
• 4:26
  stay
• 4:26
  in
• 4:27
  the
• 4:27
  book
• 4:27
  of
• 4:27
  Proverbs.
• 4:27
  We're
• 4:28
  going
• 4:28
  to
• 4:28
  go
• 4:28
  to
• 4:28
  chapter
• 4:28
  22,
• 4:29
  verse
• 4:29
  3.
• 4:30
  And
• 4:30
  I
• 4:31
  use
• 4:31
  this
• 4:31
  on
• 4:31
  the
• 4:31
  show
• 4:31
  probably
• 4:32
  once
• 4:32
  a
• 4:32
  week.
• 4:33
  But
• 4:33
  it's
• 4:34
  so
• 4:34
  appropriate,
• 4:35
  something
• 4:35
  we
• 4:35
  always
• 4:35
  have
• 4:36
  to
• 4:36
  be
• 4:36
  embracing.
• 4:36
  It
• 4:37
  says
• 4:37
  this,
• 4:37
  Proverbs
• 4:38
  22,
• 4:38
  3.
• 4:39
  The
• 4:39
  prudent
• 4:40
  see
• 4:40
  danger
• 4:40
  and
• 4:41
  take
• 4:41
  refuge,
• 4:42
  but
• 4:42
  the
• 4:42
  simple
• 4:43
  keep
• 4:43
  going
• 4:43
  and
• 4:44
  suffer
• 4:44
  for
• 4:44
  it.
• 4:45
  See,
• 4:45
  you
• 4:46
  got
• 4:46
  to
• 4:46
  start
• 4:46
  thinking
• 4:47
  in
• 4:47
  terms
• 4:47
  of
• 4:47
  seeing
• 4:48
  this.
• 4:48
  And
• 4:48
  I
• 4:48
  don't
• 4:48
  think
• 4:48
  the
• 4:49
  fall
• 4:49
  and
• 4:49
  the
• 4:50
  holidays
• 4:50
  are
• 4:50
  a
• 4:50
  danger
• 4:51
  zone,
• 4:51
  but
• 4:51
  they
• 4:51
  can
• 4:51
  be.
• 4:52
  A
• 4:52
  lot
• 4:53
  of
• 4:53
  people
• 4:53
  put
• 4:53
  themselves
• 4:54
  into
• 4:54
  a
• 4:54
  high
• 4:55
  level
• 4:55
  of
• 4:55
  stress.
• 4:56
  They
• 4:56
  put
• 4:56
  themselves
• 4:57
  into
• 4:57
  a
• 4:58
  lack
• 4:58
  of
• 4:58
  peace
• 4:59
  because
• 4:59
  they
• 4:59
  haven't
• 5:00
  thought
• 5:00
  about
• 5:00
  these
• 5:01
  upcoming
• 5:01
  fall
• 5:02
  and
• 5:02
  holiday
• 5:02
  expenses.
• 5:03
  And
• 5:04
  if
• 5:04
  you
• 5:04
  don't
• 5:04
  plan
• 5:04
  ahead,
• 5:04
  guess
• 5:05
  what?
• 5:05
  You're
• 5:05
  planning
• 5:05
  to
• 5:06
  fail.
• 5:07
  And
• 5:07
  the
• 5:07
  huge
• 5:07
  impact
• 5:08
  of
• 5:08
  that
• 5:08
  is
• 5:09
  you
• 5:09
  feel
• 5:09
  like
• 5:09
  you're
• 5:09
  losing.
• 5:10
  You
• 5:10
  feel
• 5:10
  like
• 5:11
  you're
• 5:11
  not
• 5:11
  being
• 5:12
  a
• 5:12
  wise
• 5:12
  steward.
• 5:13
  But
• 5:14
  if
• 5:14
  you
• 5:14
  plan
• 5:14
  these
• 5:15
  things
• 5:15
  ahead,
• 5:16
  you
• 5:16
  can
• 5:16
  be
• 5:16
  thoughtful
• 5:17
  in
• 5:17
  your
• 5:17
  purchases.
• 5:18
  You
• 5:18
  can
• 5:18
  spread
• 5:18
  out
• 5:19
  the
• 5:19
  cost
• 5:19
  and
• 5:19
  you
• 5:19
  can
• 5:19
  enjoy
• 5:20
  the
• 5:20
  seasons,
• 5:21
  especially
• 5:21
  the
• 5:21
  holiday
• 5:22
  seasons,
• 5:22
  with,
• 5:23
  without
• 5:23
  financial
• 5:23
  strain.
• 5:24
  And
• 5:24
  hey,
• 5:24
  in
• 5:24
  the
• 5:24
  end,
• 5:25
  it's
• 5:25
  all
• 5:25
  about
• 5:26
  peace
• 5:26
  and
• 5:26
  abundance
• 5:27
  and
• 5:28
  honoring
• 5:28
  God
• 5:28
  with
• 5:29
  careful
• 5:29
  preparation.
• 5:31
  So
• 5:31
  now
• 5:31
  you're
• 5:31
  thinking,
• 5:31
  Ralph,
• 5:32
  I'm
• 5:32
  on
• 5:33
  board.
• 5:33
  What
• 5:33
  do
• 5:33
  I
• 5:33
  need
• 5:33
  to
• 5:34
  do?
• 5:34
  How
• 5:34
  do
• 5:34
  I
• 5:35
  transform
• 5:35
  that
• 5:35
  financial
• 5:36
  dread
• 5:36
  of
• 5:36
  fallen
• 5:37
  holidays
• 5:37
  into
• 5:38
  calm,
• 5:38
  savvy
• 5:39
  and
• 5:39
  a
• 5:39
  prepared
• 5:40
  approach?
• 5:41
  Well,
• 5:41
  here's
• 5:41
  what
• 5:42
  we're
• 5:42
  going
• 5:42
  to
• 5:42
  do.
• 5:42
  This
• 5:42
  is
• 5:42
  our
• 5:42
  goal
• 5:43
  for
• 5:43
  today.
• 5:43
  We're
• 5:43
  going
• 5:43
  to
• 5:43
  prepare
• 5:44
  what
• 5:44
  I
• 5:44
  call
• 5:44
  the
• 5:44
  Fall
• 5:45
  and
• 5:45
  Holiday
• 5:45
  preparedness
• 5:46
  plan.
• 5:46
  We're
• 5:47
  going
• 5:47
  to
• 5:47
  identify
• 5:48
  the
• 5:48
  major
• 5:48
  upcoming
• 5:49
  expenses,
• 5:49
  but
• 5:49
  beyond
• 5:50
  those
• 5:50
  daily
• 5:50
  living
• 5:51
  expenses.
• 5:51
  And
• 5:52
  we're
• 5:52
  going
• 5:52
  to
• 5:52
  start
• 5:52
  allocating
• 5:53
  funds
• 5:53
  for
• 5:54
  them
• 5:54
  in
• 5:54
  your
• 5:54
  budget
• 5:55
  now.
• 5:55
  Not
• 5:55
  tomorrow,
• 5:56
  not
• 5:56
  next
• 5:56
  week,
• 5:57
  so
• 5:57
  that
• 5:57
  we
• 5:57
  can
• 5:57
  spread
• 5:58
  out
• 5:58
  that
• 5:58
  financial
• 5:59
  impact
• 5:59
  because
• 6:00
  we're
• 6:00
  going
• 6:00
  to
• 6:00
  be
• 6:00
  proactive
• 6:01
  and
• 6:01
  we're
• 6:02
  going
• 6:02
  to
• 6:02
  look
• 6:02
  for
• 6:02
  seasonal
• 6:03
  savings.
• 6:03
  So
• 6:03
  here's
• 6:03
  your
• 6:04
  one
• 6:04
  action
• 6:04
  step
• 6:05
  for
• 6:05
  today
• 6:05
  with
• 6:05
  the
• 6:06
  goal
• 6:06
  of
• 6:06
  getting
• 6:06
  ahead
• 6:07
  financially
• 6:07
  for
• 6:07
  the
• 6:08
  entire
• 6:08
  fall
• 6:08
  season.
• 6:09
  Yes,
• 6:09
  I've
• 6:10
  got
• 6:10
  the
• 6:10
  answers
• 6:11
  today.
• 6:11
  First
• 6:12
  step,
• 6:12
  we're
• 6:13
  going
• 6:13
  to
• 6:13
  brainstorm
• 6:13
  those
• 6:14
  upcoming
• 6:14
  fall
• 6:15
  and
• 6:15
  holiday
• 6:15
  expenses.
• 6:15
  Hey,
• 6:16
  this
• 6:16
  isn't
• 6:16
  rocket
• 6:16
  science.
• 6:17
  Get
• 6:17
  a
• 6:18
  piece
• 6:18
  of
• 6:18
  paper,
• 6:18
  get
• 6:19
  out
• 6:19
  your
• 6:19
  budgeting
• 6:20
  app
• 6:20
  and
• 6:20
  just
• 6:21
  go
• 6:21
  through
• 6:21
  your
• 6:21
  calendar
• 6:22
  and
• 6:22
  list
• 6:23
  all
• 6:23
  the
• 6:23
  anticipated
• 6:24
  expenses
• 6:25
  from
• 6:25
  now
• 6:25
  through
• 6:26
  the
• 6:26
  end
• 6:26
  of
• 6:26
  the
• 6:26
  year.
• 6:27
  I'm
• 6:27
  not
• 6:27
  talking
• 6:27
  about
• 6:28
  your
• 6:28
  regular
• 6:28
  bills,
• 6:28
  I'm
• 6:29
  not
• 6:29
  talking
• 6:29
  about
• 6:29
  your
• 6:29
  mortgage,
• 6:29
  your
• 6:30
  car.
• 6:30
  I'm
• 6:30
  talking
• 6:31
  about,
• 6:31
  hey,
• 6:31
  you
• 6:32
  know,
• 6:32
  we
• 6:32
  always
• 6:32
  do
• 6:32
  this
• 6:32
  in
• 6:33
  September.
• 6:33
  There's
• 6:33
  the
• 6:34
  fall
• 6:34
  festival,
• 6:35
  there's
• 6:35
  the
• 6:35
  this,
• 6:35
  there's
• 6:35
  the
• 6:36
  that.
• 6:36
  Hey,
• 6:36
  the
• 6:36
  holidays
• 6:37
  are
• 6:37
  around.
• 6:37
  We're
• 6:38
  going
• 6:38
  to
• 6:38
  have
• 6:38
  to
• 6:38
  travel.
• 6:38
  We're
• 6:38
  going
• 6:39
  to
• 6:39
  have
• 6:39
  to
• 6:39
  do
• 6:39
  this
• 6:39
  for
• 6:39
  Thanksgiving.
• 6:40
  Start
• 6:41
  thinking
• 6:41
  about
• 6:42
  school
• 6:42
  fees.
• 6:43
  Start
• 6:43
  thinking
• 6:43
  about
• 6:44
  a
• 6:44
  new
• 6:44
  fall
• 6:45
  or
• 6:45
  winter
• 6:45
  clothes.
• 6:45
  Hey,
• 6:46
  it's
• 6:46
  going
• 6:46
  to
• 6:46
  be
• 6:46
  getting
• 6:46
  colder.
• 6:47
  The
• 6:47
  shorts
• 6:48
  and
• 6:48
  the
• 6:48
  short
• 6:48
  sleeve
• 6:49
  shirts
• 6:49
  aren't
• 6:49
  going
• 6:49
  to
• 6:49
  work
• 6:50
  anymore.
• 6:50
  Got
• 6:51
  to
• 6:51
  start
• 6:51
  planning
• 6:51
  for
• 6:52
  that.
• 6:52
  Look
• 6:52
  through
• 6:52
  your
• 6:53
  children's
• 6:53
  closet.
• 6:53
  Hey,
• 6:54
  look
• 6:54
  through
• 6:54
  your
• 6:54
  closet.
• 6:55
  Is
• 6:55
  it
• 6:55
  time
• 6:55
  to
• 6:55
  start
• 6:56
  looking
• 6:56
  for
• 6:56
  some
• 6:56
  budgets?
• 6:57
  Think
• 6:58
  about
• 6:58
  those
• 6:58
  extracurricular
• 6:59
  activities.
• 6:59
  Think
• 7:00
  about
• 7:00
  Halloween.
• 7:00
  Are
• 7:01
  your
• 7:01
  kids
• 7:01
  going
• 7:01
  to
• 7:01
  need
• 7:02
  Halloween
• 7:02
  costumes?
• 7:03
  Hey,
• 7:04
  let's
• 7:04
  go
• 7:04
  a
• 7:04
  little
• 7:04
  further.
• 7:04
  Let's
• 7:05
  start
• 7:05
  talking
• 7:05
  about
• 7:05
  Thanksgiving.
• 7:06
  Dean
• 7:07
  to
• 7:07
  start
• 7:07
  putting
• 7:07
  together
• 7:08
  meal
• 7:08
  plans.
• 7:08
  Maybe
• 7:09
  you
• 7:09
  can
• 7:09
  buy
• 7:09
  some
• 7:09
  stuff
• 7:10
  now
• 7:10
  and
• 7:10
  spread
• 7:11
  that
• 7:11
  cost
• 7:11
  over.
• 7:12
  And
• 7:12
  then
• 7:12
  the
• 7:12
  big
• 7:12
  whammy
• 7:13
  of
• 7:13
  them
• 7:13
  all
• 7:14
  Christmas.
• 7:15
  Start
• 7:15
  thinking
• 7:15
  about
• 7:16
  gifts
• 7:16
  and
• 7:16
  decor
• 7:17
  and
• 7:17
  maybe
• 7:17
  you're
• 7:17
  going
• 7:17
  to
• 7:17
  be
• 7:18
  traveling.
• 7:18
  And
• 7:19
  then
• 7:19
  start
• 7:19
  building
• 7:19
  your
• 7:20
  year
• 7:20
  end
• 7:20
  giving
• 7:21
  goals.
• 7:21
  So
• 7:21
  it
• 7:21
  all
• 7:21
  starts
• 7:22
  with
• 7:22
  brainstorming
• 7:23
  those
• 7:23
  fall
• 7:24
  and
• 7:24
  holiday
• 7:24
  expenses.
• 7:25
  That's
• 7:25
  step
• 7:25
  one.
• 7:26
  Step
• 7:26
  two.
• 7:27
  It's
• 7:27
  not
• 7:27
  very
• 7:27
  complicated
• 7:28
  either.
• 7:28
  I
• 7:29
  just
• 7:29
  want
• 7:29
  you
• 7:29
  once
• 7:30
  you've
• 7:30
  made
• 7:30
  that
• 7:30
  list
• 7:31
  is
• 7:31
  put
• 7:31
  a
• 7:31
  cost
• 7:32
  estimate
• 7:32
  next
• 7:32
  to
• 7:33
  it
• 7:33
  and
• 7:33
  put
• 7:33
  a
• 7:33
  deadline
• 7:34
  of
• 7:34
  when
• 7:34
  you
• 7:34
  need
• 7:35
  that
• 7:35
  money
• 7:35
  saved.
• 7:36
  Put
• 7:36
  a
• 7:36
  realistic
• 7:37
  estimate
• 7:37
  next
• 7:38
  to
• 7:38
  each
• 7:38
  item.
• 7:39
  Be
• 7:39
  honest
• 7:39
  with
• 7:39
  yourself
• 7:40
  and
• 7:40
  put
• 7:40
  deadlines
• 7:41
  there
• 7:41
  because,
• 7:41
  hey,
• 7:42
  it's
• 7:42
  great
• 7:42
  to
• 7:42
  have
• 7:43
  plans.
• 7:43
  But
• 7:43
  if
• 7:43
  you
• 7:43
  need
• 7:43
  the
• 7:44
  money
• 7:44
  by
• 7:44
  the
• 7:45
  end
• 7:45
  of
• 7:45
  August
• 7:46
  and
• 7:46
  you're
• 7:46
  not
• 7:46
  saving
• 7:47
  it
• 7:47
  until
• 7:47
  the
• 7:47
  end
• 7:47
  of
• 7:48
  September,
• 7:48
  October,
• 7:49
  that's
• 7:49
  not
• 7:49
  going
• 7:49
  to
• 7:49
  help
• 7:49
  you.
• 7:50
  Put
• 7:50
  an
• 7:50
  end
• 7:51
  date
• 7:51
  for
• 7:51
  the
• 7:51
  school
• 7:52
  registrations,
• 7:52
  put
• 7:53
  a
• 7:53
  end
• 7:53
  date
• 7:53
  for
• 7:54
  your
• 7:54
  Christmas
• 7:54
  shopping.
• 7:55
  And
• 7:55
  hey,
• 7:55
  do
• 7:55
  it
• 7:55
  early
• 7:55
  so
• 7:56
  you're
• 7:56
  not
• 7:56
  struggling
• 7:56
  to
• 7:56
  last
• 7:57
  minute.
• 7:57
  So
• 7:58
  that's
• 7:58
  the
• 7:58
  second
• 7:58
  thing.
• 7:59
  Estimate
• 7:59
  those
• 7:59
  costs
• 8:00
  and
• 8:00
  then
• 8:00
  think
• 8:00
  about
• 8:01
  those
• 8:01
  deadlines.
• 8:02
  And
• 8:02
  then
• 8:02
  here's
• 8:02
  what,
• 8:03
  here's
• 8:03
  the
• 8:03
  big
• 8:03
  takeaway
• 8:03
  for
• 8:04
  today.
• 8:04
  This
• 8:04
  is
• 8:04
  the.
• 8:05
  Is
• 8:05
  the
• 8:05
  secret
• 8:05
  sauce.
• 8:06
  I
• 8:07
  want
• 8:07
  you
• 8:07
  to
• 8:07
  create
• 8:07
  a
• 8:07
  fall
• 8:08
  holiday
• 8:08
  fund.
• 8:09
  I'm
• 8:09
  going
• 8:09
  to
• 8:09
  call
• 8:09
  it
• 8:09
  a
• 8:10
  sinking
• 8:10
  fund.
• 8:11
  Get
• 8:11
  out
• 8:11
  your
• 8:12
  budget
• 8:12
  and
• 8:12
  create
• 8:12
  a
• 8:12
  new
• 8:13
  category,
• 8:13
  something
• 8:14
  like,
• 8:14
  you
• 8:14
  know,
• 8:14
  we
• 8:14
  did
• 8:14
  this
• 8:15
  about
• 8:15
  a
• 8:16
  few
• 8:16
  months
• 8:16
  ago.
• 8:16
  We
• 8:16
  did
• 8:16
  that
• 8:17
  Summer
• 8:17
  fun
• 8:17
  fund.
• 8:18
  Well,
• 8:18
  let's
• 8:18
  start
• 8:19
  thinking
• 8:19
  about
• 8:19
  a
• 8:19
  fall
• 8:20
  and
• 8:20
  holiday
• 8:20
  fund.
• 8:21
  We
• 8:21
  talked
• 8:22
  about
• 8:22
  what
• 8:22
  you
• 8:22
  wanted
• 8:22
  to
• 8:23
  do,
• 8:23
  we
• 8:23
  talked
• 8:23
  about
• 8:23
  the
• 8:23
  budget.
• 8:24
  Well,
• 8:24
  now
• 8:24
  let's
• 8:25
  start
• 8:25
  thinking
• 8:25
  about
• 8:25
  how
• 8:26
  much
• 8:26
  do
• 8:26
  you
• 8:26
  need
• 8:26
  to
• 8:26
  set
• 8:27
  aside
• 8:27
  between
• 8:27
  now
• 8:28
  and
• 8:28
  the
• 8:28
  end
• 8:28
  of
• 8:28
  the
• 8:28
  year
• 8:29
  to
• 8:29
  meet
• 8:29
  those
• 8:30
  deadlines
• 8:30
  so
• 8:31
  that
• 8:31
  you're
• 8:31
  not
• 8:31
  struggling.
• 8:32
  And,
• 8:32
  and
• 8:32
  here's
• 8:33
  the
• 8:33
  fourth
• 8:33
  step
• 8:33
  for
• 8:33
  today.
• 8:34
  It
• 8:34
  all
• 8:35
  comes
• 8:35
  down
• 8:35
  to
• 8:35
  action.
• 8:35
  I
• 8:36
  talk
• 8:36
  on
• 8:36
  this
• 8:36
  show
• 8:36
  all
• 8:36
  the
• 8:36
  times
• 8:37
  about
• 8:37
  intentions,
• 8:38
  but
• 8:39
  it
• 8:39
  all
• 8:39
  comes
• 8:39
  down
• 8:40
  to
• 8:40
  action.
• 8:40
  So
• 8:41
  I
• 8:41
  want
• 8:41
  you
• 8:41
  to
• 8:41
  really
• 8:42
  work
• 8:42
  at
• 8:42
  allocating
• 8:43
  your
• 8:43
  first
• 8:43
  contribution.
• 8:44
  Set
• 8:44
  aside
• 8:45
  a
• 8:45
  certain
• 8:45
  amount
• 8:45
  of
• 8:45
  money
• 8:46
  each
• 8:46
  week,
• 8:46
  maybe
• 8:47
  it's
• 8:47
  every
• 8:47
  two
• 8:47
  weeks.
• 8:48
  However,
• 8:48
  you
• 8:48
  get
• 8:48
  paid
• 8:49
  and
• 8:49
  automate
• 8:50
  that.
• 8:50
  If
• 8:50
  you
• 8:50
  can,
• 8:51
  start
• 8:51
  putting
• 8:52
  money
• 8:52
  into
• 8:52
  that
• 8:53
  sinking
• 8:53
  fund
• 8:54
  for
• 8:54
  the
• 8:54
  fall
• 8:54
  and
• 8:55
  the
• 8:55
  holidays.
• 8:56
  Because
• 8:56
  I
• 8:57
  really
• 8:57
  want
• 8:57
  you
• 8:57
  to
• 8:57
  fight
• 8:57
  that
• 8:58
  struggle
• 8:58
  of
• 8:58
  being
• 8:58
  caught
• 8:59
  off
• 8:59
  guard
• 8:59
  by
• 8:59
  these,
• 9:00
  hey,
• 9:00
  these
• 9:00
  are
• 9:00
  predictable
• 9:01
  expenses.
• 9:02
  Now
• 9:02
  we
• 9:02
  always
• 9:03
  have
• 9:03
  things
• 9:03
  in
• 9:03
  life
• 9:04
  we
• 9:04
  have
• 9:04
  to
• 9:04
  get
• 9:05
  to
• 9:05
  our
• 9:05
  emergency
• 9:05
  fund
• 9:05
  because
• 9:05
  something
• 9:06
  came
• 9:06
  up
• 9:06
  we
• 9:06
  weren't
• 9:06
  expecting.
• 9:07
  But
• 9:07
  these
• 9:07
  aren't
• 9:08
  those
• 9:08
  things.
• 9:09
  And
• 9:09
  we
• 9:09
  can
• 9:10
  transform
• 9:10
  those
• 9:11
  worries
• 9:11
  because
• 9:12
  so
• 9:12
  many
• 9:12
  people
• 9:12
  get
• 9:12
  worried
• 9:13
  this
• 9:13
  time
• 9:13
  of
• 9:13
  year.
• 9:14
  How
• 9:14
  am
• 9:14
  I
• 9:14
  going
• 9:14
  to
• 9:14
  pay
• 9:14
  for
• 9:15
  this?
• 9:15
  I
• 9:15
  remember
• 9:15
  as
• 9:16
  a
• 9:16
  young
• 9:16
  kid,
• 9:17
  my
• 9:17
  mom
• 9:17
  used
• 9:18
  to
• 9:18
  get.
• 9:18
  My
• 9:18
  mom
• 9:18
  used
• 9:18
  to
• 9:19
  get
• 9:19
  so
• 9:19
  stressed
• 9:20
  out
• 9:20
  about
• 9:20
  this.
• 9:21
  She
• 9:21
  lived
• 9:21
  on
• 9:21
  a
• 9:21
  tight
• 9:22
  budget.
• 9:22
  Yes,
• 9:22
  but
• 9:23
  it
• 9:23
  was
• 9:23
  so
• 9:24
  predictable.
• 9:24
  And
• 9:25
  I
• 9:25
  look
• 9:26
  at
• 9:26
  it
• 9:26
  now
• 9:26
  as
• 9:26
  an
• 9:26
  adult,
• 9:26
  as
• 9:27
  a,
• 9:27
  you
• 9:27
  know,
• 9:27
  she
• 9:27
  could
• 9:27
  have
• 9:27
  planned
• 9:28
  for
• 9:28
  these
• 9:28
  things.
• 9:28
  And
• 9:28
  I'm
• 9:28
  not
• 9:29
  bad
• 9:29
  mouthing
• 9:29
  my
• 9:29
  mom.
• 9:30
  But
• 9:30
  listen,
• 9:31
  we
• 9:31
  need
• 9:31
  to
• 9:31
  move
• 9:32
  beyond
• 9:32
  that
• 9:32
  vagueness
• 9:33
  and
• 9:33
  really
• 9:34
  start
• 9:34
  being
• 9:34
  predictable
• 9:35
  in
• 9:35
  this
• 9:35
  to
• 9:35
  spread
• 9:36
  out
• 9:36
  that
• 9:36
  financial
• 9:36
  Impact
• 9:37
  and
• 9:37
  avoid
• 9:38
  that
• 9:38
  last
• 9:38
  minute
• 9:39
  scrambling.
• 9:39
  And
• 9:39
  hey,
• 9:40
  the
• 9:40
  problem
• 9:40
  is
• 9:40
  a
• 9:41
  lot
• 9:41
  of
• 9:41
  people,
• 9:42
  let's
• 9:42
  be
• 9:42
  honest
• 9:42
  with
• 9:43
  ourselves,
• 9:44
  when
• 9:44
  we
• 9:44
  do
• 9:44
  that
• 9:44
  last
• 9:45
  minute
• 9:45
  scrambling,
• 9:45
  what
• 9:45
  do
• 9:46
  we
• 9:46
  reach
• 9:46
  for?
• 9:46
  Reach
• 9:46
  for
• 9:46
  that
• 9:47
  credit
• 9:47
  card.
• 9:47
  We
• 9:47
  build
• 9:48
  debt.
• 9:49
  And
• 9:49
  I
• 9:49
  want
• 9:49
  to,
• 9:50
  I
• 9:50
  want
• 9:50
  you
• 9:50
  to
• 9:50
  really
• 9:50
  feel
• 9:51
  peaceful
• 9:52
  empowerment
• 9:52
  today.
• 9:53
  I
• 9:53
  want
• 9:53
  you
• 9:53
  to
• 9:53
  have
• 9:53
  a
• 9:53
  joyful
• 9:54
  approach
• 9:54
  to
• 9:54
  the
• 9:55
  holidays.
• 9:55
  Not
• 9:56
  something
• 9:56
  that
• 9:56
  you
• 9:56
  dread.
• 9:57
  And
• 9:57
  I
• 9:57
  want
• 9:57
  you
• 9:58
  to
• 9:58
  proactively
• 9:59
  manage
• 9:59
  your
• 9:59
  resources.
• 10:00
  Are
• 10:00
  you
• 10:00
  game
• 10:00
  for
• 10:01
  that?
• 10:01
  I
• 10:02
  think
• 10:02
  you
• 10:02
  can
• 10:02
  do
• 10:02
  it.
• 10:02
  Well,
• 10:02
  let's
• 10:03
  pray
• 10:03
  together
• 10:03
  today.
• 10:04
  Father
• 10:05
  God,
• 10:05
  we
• 10:05
  just
• 10:05
  thank
• 10:05
  you
• 10:06
  for
• 10:06
  the
• 10:06
  beauty
• 10:06
  of
• 10:06
  every
• 10:07
  season,
• 10:07
  especially
• 10:07
  the
• 10:08
  fall
• 10:08
  seasons.
• 10:08
  One
• 10:09
  of
• 10:09
  my
• 10:09
  favorite
• 10:09
  seasons
• 10:10
  of
• 10:10
  the
• 10:10
  year,
• 10:10
  Lord.
• 10:10
  And
• 10:11
  we,
• 10:11
  we
• 10:11
  thank
• 10:11
  you
• 10:11
  so
• 10:12
  much
• 10:12
  for
• 10:12
  your
• 10:12
  constant
• 10:13
  provision.
• 10:14
  And
• 10:14
  we
• 10:14
  confess
• 10:14
  that
• 10:15
  planning
• 10:15
  for
• 10:15
  the
• 10:15
  fall
• 10:15
  and
• 10:16
  the
• 10:16
  holidays
• 10:16
  for
• 10:17
  so
• 10:17
  many
• 10:17
  of
• 10:17
  us,
• 10:17
  Lord,
• 10:18
  brings
• 10:18
  financial
• 10:19
  stress.
• 10:19
  And
• 10:20
  most
• 10:20
  of
• 10:20
  the
• 10:20
  time
• 10:20
  we
• 10:20
  have
• 10:20
  that
• 10:21
  stress,
• 10:21
  Lord,
• 10:21
  because
• 10:21
  to
• 10:22
  be
• 10:22
  honest
• 10:22
  with
• 10:22
  you,
• 10:22
  we
• 10:22
  Lord,
• 10:23
  we're
• 10:23
  unprepared.
• 10:24
  So
• 10:24
  we
• 10:25
  just
• 10:25
  ask
• 10:25
  that
• 10:25
  you
• 10:25
  would
• 10:25
  grant
• 10:26
  us
• 10:26
  foresight
• 10:26
  in
• 10:26
  our
• 10:27
  planning,
• 10:27
  Lord,
• 10:27
  and
• 10:28
  diligence
• 10:28
  in
• 10:28
  saving
• 10:29
  for
• 10:29
  these
• 10:29
  predictable
• 10:30
  expenses,
• 10:31
  Lord,
• 10:32
  Help
• 10:32
  us
• 10:32
  to
• 10:32
  be
• 10:32
  intentional
• 10:33
  in
• 10:34
  setting
• 10:34
  aside
• 10:35
  funds
• 10:35
  so
• 10:35
  that
• 10:35
  we
• 10:36
  can
• 10:36
  approach
• 10:36
  the
• 10:36
  upcoming
• 10:37
  seasons
• 10:37
  with
• 10:37
  peace,
• 10:38
  Lord,
• 10:38
  and
• 10:38
  generosity.
• 10:39
  Because
• 10:39
  that
• 10:39
  was
• 10:39
  your
• 10:40
  intention
• 10:40
  with
• 10:40
  this.
• 10:40
  And
• 10:41
  we
• 10:41
  just
• 10:41
  ask
• 10:41
  that
• 10:42
  you
• 10:42
  would
• 10:42
  guide
• 10:42
  us
• 10:42
  to
• 10:43
  manage
• 10:43
  our
• 10:43
  resources
• 10:44
  wisely
• 10:45
  and
• 10:45
  do
• 10:45
  that
• 10:46
  for
• 10:46
  your
• 10:46
  glory.
• 10:46
  And
• 10:46
  we
• 10:47
  asked
• 10:47
  this
• 10:47
  in
• 10:48
  100%
• 10:48
  confidence,
• 10:49
  Lord,
• 10:49
  in
• 10:49
  Jesus
• 10:50
  name,
• 10:51
  amen.
• 10:52
  Listen
• 10:52
  to
• 10:53
  me
• 10:53
  right
• 10:53
  now.
• 10:54
  Proactive
• 10:54
  planning
• 10:55
  for
• 10:55
  fall
• 10:55
  and
• 10:55
  the
• 10:56
  holidays
• 10:56
  is
• 10:56
  your
• 10:57
  secret
• 10:57
  weapon.
• 10:57
  Hey,
• 10:57
  it's
• 10:58
  the
• 10:58
  secret
• 10:58
  weapon.
• 10:58
  It's
• 10:59
  the
• 10:59
  secret
• 10:59
  sauce
• 11:00
  for
• 11:00
  a
• 11:00
  stress
• 11:00
  free
• 11:01
  seasonal
• 11:01
  spending.
• 11:02
  So
• 11:02
  I
• 11:02
  just
• 11:02
  want
• 11:02
  to
• 11:02
  encourage
• 11:03
  you
• 11:03
  one
• 11:03
  more
• 11:03
  time,
• 11:04
  take
• 11:04
  that
• 11:04
  step
• 11:04
  today,
• 11:05
  create
• 11:05
  that
• 11:06
  holiday
• 11:06
  or
• 11:06
  that
• 11:07
  fall
• 11:07
  holiday
• 11:08
  fun
• 11:08
  to
• 11:08
  make
• 11:09
  your
• 11:09
  first
• 11:09
  contribution
• 11:10
  to
• 11:10
  get
• 11:10
  started
• 11:10
  with
• 11:10
  that
• 11:11
  because
• 11:11
  listen,
• 11:12
  I
• 11:12
  want
• 11:12
  you
• 11:12
  to
• 11:12
  move
• 11:12
  towards
• 11:13
  financial
• 11:13
  freedom.
• 11:14
  Hey,
• 11:15
  listen,
• 11:15
  if
• 11:15
  this
• 11:15
  episode
• 11:16
  has
• 11:16
  resonated
• 11:16
  with
• 11:16
  you,
• 11:16
  I
• 11:17
  want
• 11:17
  you
• 11:17
  to
• 11:17
  do
• 11:17
  one
• 11:17
  more
• 11:17
  thing
• 11:17
  today.
• 11:18
  I
• 11:18
  know
• 11:18
  I'm
• 11:19
  asking
• 11:19
  a
• 11:19
  lot
• 11:19
  today,
• 11:19
  but
• 11:20
  share
• 11:20
  this
• 11:20
  episode
• 11:21
  with
• 11:21
  somebody
• 11:21
  else.
• 11:22
  Hey,
• 11:23
  just
• 11:23
  like
• 11:23
  predictability
• 11:23
  goes,
• 11:24
  all
• 11:24
  of
• 11:24
  us
• 11:24
  are
• 11:24
  planning
• 11:25
  for
• 11:25
  this
• 11:25
  and
• 11:25
  maybe
• 11:26
  you
• 11:26
  know
• 11:26
  that
• 11:26
  friend,
• 11:26
  you
• 11:27
  know,
• 11:27
  I
• 11:27
  got
• 11:27
  this
• 11:27
  friend
• 11:28
  Ralph,
• 11:28
  she's
• 11:28
  always
• 11:29
  struggling
• 11:29
  with
• 11:29
  this.
• 11:29
  Or
• 11:30
  I've
• 11:30
  got
• 11:30
  this
• 11:30
  friend
• 11:30
  and
• 11:31
  he's
• 11:31
  always
• 11:31
  dealing
• 11:32
  with
• 11:32
  the
• 11:32
  holidays
• 11:33
  and
• 11:33
  back
• 11:33
  to
• 11:33
  school
• 11:33
  and
• 11:34
  he,
• 11:34
  he
• 11:34
  just
• 11:34
  tells
• 11:34
  me
• 11:35
  the
• 11:35
  stories,
• 11:35
  Ralph,
• 11:35
  and
• 11:35
  he
• 11:36
  could
• 11:36
  really
• 11:36
  benefit
• 11:37
  from
• 11:37
  this.
• 11:37
  I'm
• 11:38
  just
• 11:38
  going
• 11:38
  to
• 11:38
  encourage
• 11:38
  you.
• 11:38
  Share
• 11:38
  our
• 11:39
  website
• 11:39
  with
• 11:39
  them,
• 11:39
  share
• 11:40
  the
• 11:40
  show
• 11:40
  with
• 11:40
  them,
• 11:40
  send
• 11:40
  them
• 11:41
  a
• 11:41
  link
• 11:41
  to
• 11:41
  financiallyconfidentchristian.com
• 11:44
  hey,
• 11:44
  spread
• 11:44
  the
• 11:44
  wealth
• 11:45
  a
• 11:45
  little
• 11:45
  bit.
• 11:45
  If
• 11:46
  you're
• 11:46
  getting
• 11:46
  value
• 11:46
  from
• 11:47
  the
• 11:47
  show,
• 11:47
  I
• 11:48
  bet
• 11:48
  other
• 11:48
  people
• 11:48
  could
• 11:49
  as
• 11:49
  well.
• 11:49
  So
• 11:49
  I
• 11:49
  encourage
• 11:50
  you
• 11:50
  again,
• 11:50
  just
• 11:50
  point
• 11:50
  them
• 11:51
  to
• 11:51
  financiallyconfidentchristian.com
• 11:54
  now,
• 11:54
  tomorrow,
• 11:55
  we're
• 11:55
  going
• 11:55
  to
• 11:55
  be
• 11:55
  talking
• 11:55
  about
• 11:55
  another
• 11:56
  critical
• 11:56
  area
• 11:57
  of
• 11:57
  financial
• 11:57
  foresight.
• 11:58
  We're
• 11:58
  going
• 11:58
  to
• 11:59
  move
• 11:59
  beyond
• 11:59
  expenses,
• 12:00
  and
• 12:00
  we're
• 12:00
  going
• 12:00
  to
• 12:01
  start
• 12:01
  talking
• 12:01
  about
• 12:01
  your
• 12:02
  insurance
• 12:02
  needs.
• 12:03
  This
• 12:03
  fall
• 12:03
  year,
• 12:03
  we're
• 12:04
  going
• 12:04
  to
• 12:04
  be
• 12:04
  talking
• 12:04
  about
• 12:04
  how
• 12:04
  to
• 12:05
  adequately
• 12:05
  make
• 12:05
  sure
• 12:06
  you're
• 12:06
  protected
• 12:07
  without
• 12:07
  overspending
• 12:08
  on
• 12:08
  premise.
• 12:09
  A
• 12:09
  lot
• 12:09
  of
• 12:09
  times,
• 12:09
  people
• 12:10
  overlook
• 12:10
  this.
• 12:10
  This
• 12:11
  is
• 12:11
  a
• 12:11
  show
• 12:11
  you
• 12:11
  don't
• 12:11
  want
• 12:11
  to
• 12:12
  miss.
• 12:12
  So
• 12:12
  make
• 12:13
  sure
• 12:13
  you
• 12:13
  join
• 12:13
  me
• 12:14
  now
• 12:14
  today.
• 12:14
  Let's
• 12:15
  all
• 12:15
  go
• 12:15
  out
• 12:15
  there
• 12:15
  and
• 12:15
  be
• 12:16
  those
• 12:16
  financially
• 12:16
  confident
• 12:17
  Christians
• 12:17
  that
• 12:17
  we
• 12:18
  aspire
• 12:18
  to
• 12:18
  be.
• 12:19
  You
• 12:19
  can
• 12:19
  do
• 12:19
  this.
• 12:20
  I
• 12:20
  have
• 12:21
  confidence
• 12:21
  in
• 12:21
  you.
• 12:22
  Have
• 12:22
  confidence
• 12:22
  in
• 12:23
  yourself.
• 12:23
  Stay
• 12:23
  financially
• 12:24
  savvy.
• 12:24
  God
• 12:25
  bless
• 12:25
  you.
• 12:25
  And
• 12:26
  you
• 12:26
  have
• 12:26
  a
• 12:26
  great
• 12:26
  day
• 12:27
  today.