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How Can a Mid-Year Financial Clean-Up Boost My Peace? · Becoming Financially Confident

• 0:38
  Does
• 0:38
  your
• 0:38
  financial
• 0:38
  life
• 0:39
  feel
• 0:39
  a
• 0:39
  little
• 0:39
  cluttered?
• 0:40
  I'm
• 0:40
  talking
• 0:40
  about
• 0:40
  piles
• 0:41
  of
• 0:41
  statements,
• 0:41
  those
• 0:42
  forgotten
• 0:42
  subscription
• 0:43
  or
• 0:43
  hey,
• 0:43
  maybe
• 0:44
  counts
• 0:44
  you
• 0:44
  barely
• 0:44
  remember.
• 0:45
  But
• 0:46
  what
• 0:46
  if
• 0:46
  a
• 0:46
  mid
• 0:47
  year
• 0:47
  spring
• 0:47
  clean
• 0:48
  for
• 0:48
  your
• 0:48
  money
• 0:48
  could
• 0:49
  unlock
• 0:49
  some
• 0:49
  surprising
• 0:50
  peace,
• 0:51
  some
• 0:51
  surprising
• 0:52
  clarity
• 0:52
  and
• 0:52
  hey,
• 0:53
  maybe
• 0:54
  even
• 0:54
  some
• 0:54
  extra
• 0:54
  cash?
• 0:55
  Well,
• 0:56
  stick
• 0:56
  with
• 0:56
  me
• 0:56
  because
• 0:56
  that's
• 0:57
  exactly
• 0:57
  what
• 0:57
  I'm
• 0:57
  going
• 0:57
  to
• 0:57
  show
• 0:58
  you
• 0:58
  how
• 0:58
  to
• 0:58
  do
• 0:58
  on
• 0:58
  today's
• 0:59
  show.
• 1:01
  This
• 1:01
  is
• 1:01
  Financially
• 1:02
  Confident
• 1:02
  Christian,
• 1:03
  your
• 1:03
  daily
• 1:04
  dose
• 1:04
  of
• 1:04
  gospel
• 1:05
  grounded
• 1:05
  insight
• 1:06
  and
• 1:06
  faith
• 1:06
  driven
• 1:06
  tips
• 1:07
  to
• 1:07
  help
• 1:07
  you
• 1:08
  break
• 1:08
  the
• 1:08
  cycle
• 1:08
  of
• 1:08
  financial
• 1:09
  shame
• 1:09
  with
• 1:10
  confidence.
• 1:15
  Hey
• 1:15
  there.
• 1:15
  Welcome
• 1:16
  back
• 1:16
  to
• 1:16
  Financially
• 1:17
  Confident
• 1:17
  Christian
• 1:18
  where
• 1:19
  we
• 1:19
  try
• 1:19
  to
• 1:20
  answer
• 1:20
  that
• 1:20
  big
• 1:20
  question,
• 1:21
  how
• 1:21
  can
• 1:22
  I
• 1:22
  become
• 1:22
  a
• 1:23
  financially
• 1:23
  confident
• 1:23
  Christian?
• 1:24
  I'm
• 1:24
  Ralph
• 1:24
  and
• 1:24
  I'm
• 1:25
  so
• 1:25
  happy
• 1:25
  that
• 1:26
  you've
• 1:26
  chosen
• 1:26
  to
• 1:26
  join
• 1:26
  me
• 1:27
  today.
• 1:27
  We're
• 1:27
  continuing
• 1:28
  our
• 1:28
  series
• 1:28
  today
• 1:29
  Smart
• 1:29
  Money
• 1:30
  for
• 1:30
  Back
• 1:30
  to
• 1:30
  School
• 1:31
  and
• 1:31
  beyond.
• 1:31
  Now
• 1:32
  if
• 1:32
  you
• 1:32
  missed
• 1:32
  yesterday's
• 1:33
  show,
• 1:33
  we
• 1:33
  talked
• 1:34
  about
• 1:34
  unleashing
• 1:35
  a
• 1:35
  roadmap
• 1:36
  to
• 1:36
  set
• 1:36
  some
• 1:36
  powerful
• 1:37
  financial
• 1:37
  goals
• 1:37
  for
• 1:38
  the
• 1:38
  rest
• 1:38
  of
• 1:38
  the
• 1:38
  year
• 1:39
  for
• 1:39
  intentional
• 1:40
  progress.
• 1:40
  So
• 1:40
  if
• 1:40
  you
• 1:41
  missed
• 1:41
  it,
• 1:41
  I'm
• 1:41
  going
• 1:41
  to
• 1:41
  encourage
• 1:42
  you
• 1:42
  to
• 1:42
  go
• 1:42
  check
• 1:42
  it
• 1:43
  out.
• 1:43
  You
• 1:43
  can
• 1:43
  find
• 1:43
  that
• 1:44
  right
• 1:44
  at
• 1:44
  our
• 1:44
  website.
• 1:45
  That's
• 1:45
  financiallyconfidentchristian.com.
• 1:48
  hey,
• 1:48
  we
• 1:48
  had
• 1:48
  a
• 1:48
  great
• 1:48
  time
• 1:49
  talking
• 1:49
  about
• 1:49
  building
• 1:50
  that
• 1:50
  roadmap
• 1:51
  for
• 1:51
  the
• 1:51
  rest
• 1:51
  of
• 1:52
  the
• 1:52
  year.
• 1:52
  But
• 1:53
  today
• 1:53
  we're
• 1:53
  going
• 1:53
  to
• 1:54
  talk
• 1:54
  about
• 1:54
  a
• 1:54
  spring
• 1:54
  cleaning.
• 1:55
  Yes,
• 1:55
  a
• 1:55
  spring
• 1:56
  cleaning
• 1:56
  as
• 1:57
  we
• 1:57
  head
• 1:57
  into
• 1:57
  the
• 1:58
  fall.
• 1:58
  But
• 1:59
  today
• 1:59
  it's
• 1:59
  all
• 1:59
  about
• 1:59
  organizing,
• 2:00
  optimizing
• 2:01
  and
• 2:01
  streamlining
• 2:02
  your
• 2:02
  money.
• 2:03
  Why?
• 2:03
  For
• 2:04
  greater
• 2:04
  peace.
• 2:04
  So
• 2:04
  today
• 2:05
  I'm
• 2:05
  going
• 2:05
  to
• 2:05
  answer
• 2:05
  this
• 2:05
  question.
• 2:06
  How
• 2:07
  can
• 2:07
  a
• 2:07
  mid
• 2:07
  year
• 2:07
  financial
• 2:08
  cleanup
• 2:09
  boost
• 2:09
  my
• 2:10
  peace?
• 2:10
  Hey,
• 2:10
  we
• 2:10
  all
• 2:11
  need
• 2:11
  some
• 2:11
  peace
• 2:11
  in
• 2:11
  our
• 2:12
  lives.
• 2:12
  If
• 2:13
  you're
• 2:13
  like
• 2:13
  most
• 2:13
  people,
• 2:14
  you've
• 2:14
  got
• 2:14
  scattered
• 2:15
  financial
• 2:16
  documents
• 2:16
  all
• 2:16
  over
• 2:17
  the
• 2:17
  place.
• 2:17
  Hey,
• 2:17
  listen,
• 2:18
  so
• 2:18
  much
• 2:18
  today
• 2:19
  is
• 2:19
  not
• 2:19
  just
• 2:19
  in
• 2:19
  paper,
• 2:20
  but
• 2:20
  it's
• 2:20
  digital.
• 2:20
  You
• 2:21
  got
• 2:21
  this
• 2:21
  email
• 2:22
  and
• 2:22
  this
• 2:22
  document
• 2:23
  just
• 2:23
  all
• 2:23
  sort
• 2:24
  of
• 2:24
  sitting
• 2:24
  around.
• 2:24
  You've
• 2:25
  got
• 2:25
  those
• 2:25
  forgotten
• 2:26
  subscriptions.
• 2:27
  Man,
• 2:27
  I
• 2:27
  can't
• 2:27
  remember
• 2:28
  when
• 2:28
  I
• 2:28
  subscribed
• 2:28
  for
• 2:29
  that.
• 2:29
  Ralph,
• 2:29
  maybe
• 2:30
  you're
• 2:30
  getting
• 2:30
  bank
• 2:30
  statements,
• 2:31
  but
• 2:31
  you
• 2:31
  never
• 2:31
  bother
• 2:32
  to
• 2:32
  open
• 2:32
  them
• 2:32
  up
• 2:32
  and
• 2:32
  take
• 2:33
  a
• 2:33
  look
• 2:33
  at
• 2:33
  them.
• 2:34
  Or
• 2:34
  hey,
• 2:34
  maybe
• 2:35
  you've
• 2:35
  got
• 2:35
  bank
• 2:35
  accounts
• 2:36
  you
• 2:36
  don't
• 2:36
  even
• 2:36
  use
• 2:37
  anymore.
• 2:38
  And
• 2:38
  here's
• 2:38
  the
• 2:38
  problem.
• 2:39
  That's
• 2:40
  what
• 2:40
  I'm
• 2:40
  going
• 2:40
  to
• 2:40
  call
• 2:40
  financial
• 2:41
  clutter.
• 2:41
  Well,
• 2:42
  that
• 2:42
  financial
• 2:42
  clutter
• 2:43
  leads
• 2:43
  to
• 2:43
  disorganization.
• 2:45
  You
• 2:45
  completely
• 2:45
  disorganized.
• 2:47
  You
• 2:47
  miss
• 2:47
  opportunities.
• 2:48
  Hey,
• 2:49
  maybe
• 2:49
  you've
• 2:49
  got
• 2:49
  a
• 2:49
  CD
• 2:50
  that's
• 2:50
  getting
• 2:50
  ready
• 2:50
  to
• 2:51
  renew
• 2:51
  and
• 2:51
  you
• 2:51
  don't
• 2:52
  even
• 2:52
  realize
• 2:52
  it.
• 2:53
  It's
• 2:53
  going
• 2:53
  to
• 2:53
  renew
• 2:53
  at
• 2:54
  a
• 2:54
  much
• 2:54
  lower
• 2:54
  rate.
• 2:55
  So
• 2:55
  you're
• 2:55
  missing
• 2:55
  opportunities.
• 2:56
  Hey,
• 2:57
  another
• 2:57
  big
• 2:57
  problem.
• 2:58
  I
• 2:58
  just
• 2:58
  Dealt
• 2:58
  with
• 2:59
  a
• 2:59
  client
• 2:59
  the
• 2:59
  other
• 2:59
  day
• 2:59
  that
• 3:00
  had
• 3:00
  a
• 3:00
  major
• 3:00
  fraud
• 3:01
  on
• 3:01
  their
• 3:01
  account.
• 3:02
  They
• 3:02
  hadn't
• 3:02
  even
• 3:02
  opened
• 3:02
  up
• 3:02
  their
• 3:03
  statements
• 3:03
  to
• 3:03
  look
• 3:03
  or
• 3:03
  they
• 3:03
  would
• 3:04
  have
• 3:04
  seen
• 3:04
  it.
• 3:04
  Maybe
• 3:05
  you've
• 3:05
  got
• 3:05
  potential
• 3:06
  for
• 3:06
  fraud.
• 3:06
  Or
• 3:06
  hey,
• 3:06
  maybe
• 3:07
  in
• 3:07
  general,
• 3:07
  you
• 3:08
  just
• 3:08
  feeling
• 3:08
  overwhelmed
• 3:09
  today.
• 3:10
  And
• 3:10
  this
• 3:11
  breeds
• 3:11
  stress.
• 3:11
  It's
• 3:12
  stress
• 3:12
  of
• 3:12
  a
• 3:12
  messy
• 3:13
  financial
• 3:13
  life,
• 3:14
  and
• 3:14
  it
• 3:14
  hinders
• 3:15
  clarity
• 3:15
  and
• 3:16
  it
• 3:16
  truly
• 3:16
  hinders
• 3:17
  efficient
• 3:17
  management.
• 3:18
  And
• 3:19
  here's
• 3:19
  the
• 3:19
  thing
• 3:19
  you
• 3:20
  need
• 3:20
  to
• 3:20
  understand
• 3:21
  today.
• 3:21
  Organizing
• 3:22
  your
• 3:22
  finances
• 3:23
  is
• 3:24
  an
• 3:24
  act
• 3:24
  of
• 3:24
  diligent
• 3:25
  stewardship.
• 3:25
  You're
• 3:26
  thinking,
• 3:26
  Ralph,
• 3:26
  are
• 3:26
  you
• 3:27
  kidding
• 3:27
  me?
• 3:27
  Are
• 3:27
  you
• 3:28
  actually
• 3:28
  saying
• 3:28
  today?
• 3:29
  And
• 3:29
  listen
• 3:30
  to
• 3:30
  me,
• 3:30
  stop
• 3:31
  what
• 3:31
  you're
• 3:31
  doing
• 3:31
  for
• 3:31
  a
• 3:31
  second.
• 3:32
  Yes,
• 3:32
  I'm
• 3:33
  saying
• 3:33
  to
• 3:33
  you
• 3:34
  that
• 3:34
  organizing
• 3:35
  your
• 3:35
  finances
• 3:36
  is
• 3:36
  about
• 3:36
  being
• 3:37
  a
• 3:37
  good
• 3:37
  steward.
• 3:38
  Because
• 3:39
  here's
• 3:39
  why.
• 3:40
  This
• 3:40
  is
• 3:40
  a
• 3:40
  big
• 3:41
  principle
• 3:41
  for
• 3:41
  today.
• 3:42
  This
• 3:43
  brings
• 3:43
  order
• 3:43
  and
• 3:44
  clarity.
• 3:44
  It
• 3:45
  reduces
• 3:45
  stress,
• 3:46
  and
• 3:46
  it
• 3:46
  unlocks
• 3:47
  efficiency.
• 3:47
  Let's
• 3:47
  get
• 3:48
  right
• 3:48
  to
• 3:48
  God's
• 3:48
  word
• 3:49
  and
• 3:49
  talk
• 3:49
  about
• 3:50
  some
• 3:50
  of
• 3:50
  the
• 3:50
  main
• 3:50
  biblical
• 3:51
  principles
• 3:51
  that
• 3:52
  I
• 3:52
  want
• 3:52
  to
• 3:52
  cover
• 3:52
  today.
• 3:52
  The
• 3:53
  first
• 3:53
  one
• 3:53
  is
• 3:54
  orderliness.
• 3:55
  That's
• 3:55
  a
• 3:56
  big
• 3:56
  word,
• 3:56
  but
• 3:56
  it's
• 3:57
  so
• 3:57
  important.
• 3:57
  Let's
• 3:58
  look
• 3:58
  at
• 3:58
  the
• 3:58
  book
• 3:58
  of
• 3:59
  First
• 3:59
  Corinthians,
• 4:00
  chapter
• 4:00
  14,
• 4:00
  verse
• 4:01
  40.
• 4:01
  It
• 4:01
  says
• 4:02
  this.
• 4:03
  You
• 4:03
  can't
• 4:03
  get
• 4:03
  much
• 4:04
  clearer
• 4:04
  than
• 4:04
  this.
• 4:04
  Talk
• 4:05
  about
• 4:05
  orderly.
• 4:06
  But
• 4:06
  everything
• 4:07
  should
• 4:07
  be
• 4:07
  done
• 4:07
  in
• 4:07
  a
• 4:08
  fitting
• 4:08
  and
• 4:09
  orderly
• 4:09
  way.
• 4:10
  Yes,
• 4:11
  I
• 4:11
  found
• 4:11
  the
• 4:12
  perfect
• 4:12
  scripture
• 4:13
  talking
• 4:13
  about
• 4:14
  orderly
• 4:14
  things.
• 4:15
  What
• 4:15
  does
• 4:15
  it
• 4:16
  say?
• 4:16
  First
• 4:16
  Corinthians,
• 4:17
  chapter
• 4:17
  14,
• 4:17
  verse
• 4:18
  40.
• 4:18
  Paste
• 4:18
  this
• 4:19
  on
• 4:19
  your
• 4:19
  wall
• 4:19
  today.
• 4:20
  But
• 4:20
  everything
• 4:21
  should
• 4:21
  be
• 4:21
  done
• 4:22
  in
• 4:22
  a
• 4:22
  fitting
• 4:23
  and
• 4:23
  orderly
• 4:23
  way.
• 4:24
  I
• 4:24
  can
• 4:25
  still
• 4:25
  hear
• 4:25
  my
• 4:25
  mom
• 4:26
  saying
• 4:26
  when
• 4:26
  I
• 4:26
  was
• 4:26
  a
• 4:27
  kid,
• 4:27
  kids,
• 4:27
  you
• 4:28
  need
• 4:28
  to
• 4:28
  do
• 4:28
  things
• 4:28
  in
• 4:29
  a
• 4:29
  fitting
• 4:29
  and
• 4:29
  orderly
• 4:30
  way.
• 4:30
  Now,
• 4:30
  she
• 4:30
  didn't
• 4:30
  use
• 4:31
  exactly
• 4:31
  those
• 4:31
  terms,
• 4:33
  but
• 4:33
  she
• 4:33
  lived
• 4:34
  that
• 4:34
  biblical
• 4:34
  principle.
• 4:35
  She
• 4:36
  knew
• 4:36
  that
• 4:36
  there
• 4:36
  needed
• 4:37
  to
• 4:37
  be
• 4:37
  order.
• 4:37
  That's
• 4:38
  the
• 4:38
  way
• 4:38
  my
• 4:38
  mom
• 4:38
  managed
• 4:39
  her
• 4:39
  life.
• 4:39
  Everything
• 4:39
  had
• 4:40
  its
• 4:40
  place.
• 4:40
  She
• 4:40
  had
• 4:41
  beautiful
• 4:41
  files.
• 4:42
  Everything
• 4:42
  was
• 4:42
  kept
• 4:42
  in
• 4:43
  its
• 4:43
  place.
• 4:43
  So
• 4:44
  that's
• 4:44
  our
• 4:44
  first
• 4:44
  biblical
• 4:45
  principle,
• 4:46
  orderliness.
• 4:47
  Let's
• 4:48
  talk
• 4:48
  about
• 4:48
  this
• 4:48
  one.
• 4:48
  Now,
• 4:48
  this
• 4:49
  one
• 4:49
  was
• 4:49
  a
• 4:49
  bit
• 4:49
  of
• 4:49
  a
• 4:49
  stretch
• 4:50
  for
• 4:50
  today,
• 4:51
  but
• 4:51
  I
• 4:51
  think
• 4:51
  it's
• 4:51
  so
• 4:51
  important.
• 4:52
  And
• 4:52
  it's
• 4:52
  basically
• 4:52
  the
• 4:53
  principle
• 4:53
  of
• 4:53
  light
• 4:54
  over
• 4:54
  darkness.
• 4:55
  The
• 4:56
  book
• 4:56
  of
• 4:56
  Ephesians,
• 4:56
  chapter
• 4:57
  5,
• 4:57
  verse
• 4:58
  8,
• 4:58
  reminds
• 4:58
  us,
• 4:59
  Walk
• 4:59
  as
• 5:00
  children
• 5:00
  of
• 5:00
  light.
• 5:01
  Now
• 5:02
  you're
• 5:02
  thinking,
• 5:02
  Ralph,
• 5:02
  you
• 5:03
  got
• 5:03
  to
• 5:03
  make
• 5:03
  this
• 5:03
  connection.
• 5:04
  I
• 5:04
  don't
• 5:04
  get
• 5:04
  it.
• 5:04
  Well,
• 5:04
  here's
• 5:04
  how
• 5:05
  we
• 5:05
  connect
• 5:05
  it.
• 5:06
  Think
• 5:06
  about
• 5:06
  orderliness.
• 5:08
  If
• 5:08
  all
• 5:08
  your
• 5:09
  stuff
• 5:09
  is
• 5:09
  disorganized,
• 5:10
  what
• 5:10
  is
• 5:10
  it
• 5:10
  not?
• 5:11
  It's
• 5:11
  not
• 5:11
  in
• 5:11
  the
• 5:11
  light.
• 5:12
  You're
• 5:12
  not
• 5:13
  able
• 5:13
  to
• 5:13
  see
• 5:13
  it.
• 5:14
  You're
• 5:14
  not
• 5:14
  able
• 5:14
  to
• 5:14
  act
• 5:14
  on
• 5:15
  that.
• 5:15
  You're
• 5:15
  not
• 5:15
  acting
• 5:15
  as
• 5:15
  a
• 5:16
  good
• 5:16
  steward.
• 5:16
  Yes,
• 5:16
  I'm
• 5:17
  giving
• 5:17
  you
• 5:17
  A
• 5:17
  little
• 5:17
  judgment,
• 5:18
  little
• 5:18
  tough
• 5:18
  love
• 5:18
  today.
• 5:20
  Because
• 5:20
  what
• 5:20
  does
• 5:20
  the
• 5:20
  book
• 5:20
  of
• 5:21
  Ephesians,
• 5:21
  chapter
• 5:22
  5
• 5:22
  say
• 5:22
  to
• 5:22
  us?
• 5:23
  Chapter
• 5:23
  5,
• 5:24
  verse
• 5:24
  8
• 5:24
  says,
• 5:24
  Walk
• 5:25
  as
• 5:25
  children
• 5:26
  of
• 5:26
  light.
• 5:27
  Make
• 5:27
  things
• 5:28
  transparent.
• 5:29
  Make
• 5:29
  them
• 5:29
  able
• 5:30
  to
• 5:30
  be
• 5:30
  seen.
• 5:31
  So
• 5:31
  now
• 5:32
  you're
• 5:32
  thinking,
• 5:32
  Ralph.
• 5:32
  Okay,
• 5:33
  I'm
• 5:33
  ready.
• 5:34
  What
• 5:34
  can
• 5:34
  I
• 5:34
  do?
• 5:35
  How
• 5:35
  do
• 5:35
  I
• 5:35
  transform
• 5:36
  that
• 5:36
  overwhelm?
• 5:37
  Because
• 5:38
  right
• 5:38
  now
• 5:38
  I'm
• 5:38
  feeling
• 5:39
  overwhelmed,
• 5:39
  Ralph.
• 5:39
  I
• 5:40
  got
• 5:40
  all
• 5:40
  this
• 5:40
  financial
• 5:41
  clutter.
• 5:41
  Now,
• 5:41
  maybe
• 5:42
  it's
• 5:42
  not
• 5:42
  in
• 5:42
  big
• 5:42
  old
• 5:43
  bulky
• 5:43
  files,
• 5:43
  it's
• 5:44
  all
• 5:44
  over
• 5:44
  the
• 5:44
  place
• 5:45
  on
• 5:45
  my
• 5:45
  computer
• 5:46
  and
• 5:46
  in
• 5:46
  PDFs.
• 5:47
  But
• 5:47
  how
• 5:47
  do
• 5:47
  I
• 5:48
  transform
• 5:48
  that
• 5:48
  overwhelm,
• 5:49
  that
• 5:49
  financial
• 5:50
  clutter
• 5:50
  into
• 5:51
  renewed
• 5:51
  peace
• 5:52
  and
• 5:52
  powerful
• 5:53
  efficiency?
• 5:54
  Well,
• 5:54
  I've
• 5:54
  got
• 5:55
  the
• 5:55
  solution
• 5:55
  today
• 5:55
  and
• 5:56
  again
• 5:56
  today.
• 5:56
  It's
• 5:57
  the
• 5:57
  last
• 5:57
  couple
• 5:57
  days.
• 5:57
  It
• 5:58
  all
• 5:58
  comes
• 5:58
  down
• 5:58
  to
• 5:58
  intentionality.
• 5:59
  But
• 6:00
  this
• 6:00
  isn't
• 6:00
  going
• 6:00
  to
• 6:01
  be
• 6:01
  like
• 6:01
  a
• 6:01
  Herculean
• 6:02
  task.
• 6:03
  You
• 6:03
  just
• 6:03
  need
• 6:03
  to
• 6:03
  dedicate
• 6:04
  a
• 6:04
  short,
• 6:04
  focused
• 6:05
  block
• 6:05
  of
• 6:05
  time
• 6:05
  this
• 6:06
  fall
• 6:06
  to
• 6:06
  conduct
• 6:07
  a
• 6:07
  targeted
• 6:08
  financial
• 6:08
  cleanup.
• 6:09
  And
• 6:09
  listen,
• 6:09
  I
• 6:09
  don't
• 6:09
  want
• 6:10
  to
• 6:10
  overwhelm
• 6:10
  you.
• 6:10
  Just
• 6:11
  pick
• 6:11
  one
• 6:12
  area.
• 6:12
  1.
• 6:12
  Organize
• 6:13
  documents,
• 6:14
  identify
• 6:14
  unused
• 6:15
  accounts
• 6:15
  or
• 6:15
  subscriptions,
• 6:16
  and
• 6:17
  optimize
• 6:17
  for
• 6:18
  efficiency.
• 6:19
  Because
• 6:19
  this
• 6:20
  proactive
• 6:20
  organization
• 6:21
  is
• 6:22
  going
• 6:22
  to
• 6:22
  lead
• 6:22
  you
• 6:23
  to
• 6:23
  financial
• 6:23
  freedom.
• 6:24
  Hey,
• 6:24
  as
• 6:24
  you're
• 6:24
  listening
• 6:25
  right
• 6:25
  now,
• 6:25
  do
• 6:26
  you
• 6:26
  want
• 6:26
  financial
• 6:27
  freedom?
• 6:27
  I
• 6:28
  know
• 6:28
  I
• 6:28
  do.
• 6:28
  So
• 6:29
  here's
• 6:29
  your
• 6:29
  one
• 6:29
  action
• 6:29
  step
• 6:30
  for
• 6:30
  today.
• 6:30
  With
• 6:31
  the
• 6:31
  goal
• 6:31
  to
• 6:31
  conduct
• 6:32
  a
• 6:32
  mid
• 6:32
  year
• 6:32
  financial
• 6:32
  cleanup.
• 6:33
  Yeah.
• 6:33
  The
• 6:33
  spring
• 6:34
  cleaning
• 6:34
  in
• 6:35
  August
• 6:36
  starts
• 6:36
  with
• 6:36
  this.
• 6:37
  Choose
• 6:37
  just
• 6:37
  one
• 6:38
  area
• 6:38
  to
• 6:38
  tidy
• 6:39
  up.
• 6:39
  I
• 6:39
  don't
• 6:39
  want
• 6:39
  you
• 6:39
  to
• 6:39
  pick.
• 6:40
  Hey,
• 6:40
  Ralph,
• 6:40
  my
• 6:41
  whole
• 6:41
  life
• 6:41
  is
• 6:41
  a
• 6:41
  disaster.
• 6:42
  It's
• 6:42
  a
• 6:42
  mess.
• 6:43
  It's
• 6:43
  a
• 6:43
  disorganized
• 6:44
  no.
• 6:44
  Because
• 6:44
  you
• 6:44
  won't
• 6:44
  do
• 6:44
  do
• 6:44
  it.
• 6:45
  Pick
• 6:45
  one
• 6:46
  small
• 6:46
  manageable
• 6:47
  financial
• 6:48
  area
• 6:48
  to
• 6:48
  organize.
• 6:49
  I'm
• 6:49
  gonna
• 6:49
  give
• 6:49
  you
• 6:49
  some
• 6:49
  examples.
• 6:50
  Maybe
• 6:51
  you've
• 6:51
  got
• 6:51
  this
• 6:51
  stack
• 6:52
  of
• 6:52
  financial
• 6:52
  papers
• 6:53
  that's
• 6:53
  been
• 6:53
  sitting
• 6:54
  on
• 6:54
  your
• 6:54
  home
• 6:54
  office
• 6:54
  desk,
• 6:55
  but
• 6:55
  seems
• 6:56
  like
• 6:56
  a
• 6:56
  millennium,
• 6:56
  but
• 6:56
  maybe
• 6:57
  it's
• 6:57
  been
• 6:57
  there
• 6:57
  for
• 6:57
  a
• 6:57
  year
• 6:57
  or
• 6:58
  two.
• 6:58
  Yeah.
• 6:58
  When
• 6:58
  the
• 6:59
  bank
• 6:59
  statement
• 6:59
  comes
• 6:59
  in.
• 6:59
  Yeah,
• 7:00
  Ralph,
• 7:00
  I
• 7:00
  know
• 7:00
  where
• 7:00
  they
• 7:00
  are.
• 7:01
  They're
• 7:01
  over
• 7:01
  there
• 7:01
  in
• 7:01
  the
• 7:02
  envelope.
• 7:02
  Listen,
• 7:03
  I'm
• 7:03
  gonna
• 7:04
  share
• 7:04
  something
• 7:04
  with
• 7:04
  you
• 7:04
  right
• 7:04
  now.
• 7:05
  I'm
• 7:05
  an
• 7:05
  account.
• 7:05
  That's
• 7:05
  what
• 7:06
  I
• 7:06
  do
• 7:06
  for
• 7:06
  a
• 7:06
  living.
• 7:06
  If
• 7:07
  you
• 7:07
  went
• 7:07
  into
• 7:07
  my
• 7:07
  office
• 7:07
  and
• 7:08
  you
• 7:08
  look
• 7:08
  behind
• 7:08
  my
• 7:09
  desk
• 7:09
  in
• 7:09
  my
• 7:09
  credenza,
• 7:10
  I'm
• 7:10
  unfortunately,
• 7:11
  I've
• 7:11
  got
• 7:11
  that
• 7:11
  stack
• 7:12
  of
• 7:12
  financial
• 7:12
  papers.
• 7:13
  So
• 7:13
  I'm
• 7:13
  going
• 7:13
  to
• 7:13
  take
• 7:14
  my
• 7:14
  own
• 7:14
  word
• 7:14
  of
• 7:15
  lesson
• 7:15
  today
• 7:15
  and
• 7:15
  I'm
• 7:16
  going
• 7:16
  to
• 7:16
  get
• 7:16
  to
• 7:16
  that.
• 7:16
  But
• 7:16
  maybe
• 7:17
  for
• 7:17
  you,
• 7:17
  it's
• 7:17
  that
• 7:17
  one
• 7:18
  stack
• 7:18
  of
• 7:18
  financial
• 7:19
  papers.
• 7:20
  Maybe
• 7:20
  it's
• 7:20
  your
• 7:21
  online
• 7:21
  banking
• 7:22
  login
• 7:22
  list.
• 7:22
  You
• 7:23
  go
• 7:23
  through
• 7:23
  that
• 7:23
  and
• 7:23
  say,
• 7:24
  wait
• 7:24
  a
• 7:24
  minute,
• 7:24
  why
• 7:24
  do
• 7:25
  I
• 7:25
  still
• 7:25
  have
• 7:25
  this
• 7:25
  bank
• 7:25
  account.
• 7:26
  Why
• 7:26
  do
• 7:26
  I
• 7:27
  need
• 7:27
  this?
• 7:27
  Hey,
• 7:28
  here's
• 7:28
  something
• 7:28
  you
• 7:28
  can
• 7:29
  audit.
• 7:29
  And
• 7:29
  I
• 7:29
  think
• 7:29
  it
• 7:30
  would
• 7:30
  be
• 7:30
  very
• 7:30
  beneficial
• 7:31
  for
• 7:31
  you.
• 7:32
  Look
• 7:32
  at
• 7:32
  your
• 7:32
  subscription
• 7:33
  list.
• 7:34
  Ask
• 7:34
  your.
• 7:34
  And
• 7:34
  I've
• 7:34
  done
• 7:35
  shows
• 7:35
  about
• 7:35
  this.
• 7:35
  Ask
• 7:36
  yourself
• 7:36
  that.
• 7:36
  Tough
• 7:36
  question.
• 7:37
  Do
• 7:37
  I
• 7:37
  even
• 7:38
  use
• 7:38
  this
• 7:38
  anymore?
• 7:39
  Do
• 7:40
  I
• 7:40
  need
• 7:40
  this?
• 7:40
  Do
• 7:41
  I
• 7:41
  have
• 7:41
  any
• 7:41
  value
• 7:41
  in
• 7:41
  this?
• 7:42
  Or
• 7:42
  maybe
• 7:42
  for
• 7:42
  you
• 7:43
  it's
• 7:43
  go
• 7:43
  look
• 7:43
  through
• 7:43
  those
• 7:44
  old
• 7:44
  investment
• 7:45
  statements.
• 7:45
  I
• 7:46
  don't
• 7:46
  know
• 7:46
  how
• 7:46
  many
• 7:46
  times
• 7:46
  I've
• 7:47
  worked
• 7:47
  with
• 7:47
  clients.
• 7:48
  Maybe
• 7:48
  somebody's
• 7:49
  mother
• 7:49
  or
• 7:49
  father
• 7:49
  passed
• 7:50
  away
• 7:50
  and
• 7:50
  they'll
• 7:51
  come
• 7:51
  into
• 7:51
  me.
• 7:51
  I
• 7:51
  remember
• 7:52
  this
• 7:52
  one
• 7:52
  particular
• 7:52
  client.
• 7:53
  Tell
• 7:53
  you
• 7:53
  a
• 7:53
  quick
• 7:53
  story
• 7:54
  here.
• 7:54
  This
• 7:54
  client,
• 7:55
  her
• 7:55
  husband
• 7:55
  had
• 7:55
  passed
• 7:56
  away
• 7:56
  and
• 7:57
  he
• 7:57
  was
• 7:57
  the
• 7:57
  most
• 7:58
  organized
• 7:58
  dude
• 7:58
  in
• 7:58
  the
• 7:59
  world,
• 7:59
  but
• 7:59
  man,
• 7:59
  he
• 7:59
  had
• 8:00
  bank
• 8:00
  accounts
• 8:00
  everywhere.
• 8:01
  He
• 8:01
  was
• 8:01
  one
• 8:01
  of
• 8:01
  these
• 8:01
  guys
• 8:02
  that
• 8:02
  didn't
• 8:02
  want
• 8:02
  to
• 8:02
  put
• 8:02
  all
• 8:03
  his
• 8:03
  money
• 8:03
  in
• 8:03
  one
• 8:03
  bank.
• 8:04
  Well,
• 8:04
  I
• 8:04
  remember
• 8:04
  when
• 8:05
  he
• 8:05
  passed
• 8:05
  away.
• 8:05
  She
• 8:06
  says,
• 8:06
  Ralph,
• 8:06
  she
• 8:06
  came
• 8:06
  to
• 8:07
  my
• 8:07
  office.
• 8:07
  She
• 8:07
  actually
• 8:08
  lived
• 8:08
  like
• 8:08
  maybe
• 8:08
  3
• 8:09
  or
• 8:09
  400
• 8:09
  yards
• 8:10
  from
• 8:10
  my
• 8:10
  office
• 8:10
  in
• 8:10
  a
• 8:10
  townhouse.
• 8:11
  She
• 8:11
  walks
• 8:11
  up
• 8:11
  to
• 8:11
  me
• 8:12
  one
• 8:12
  day
• 8:12
  and
• 8:12
  she
• 8:12
  goes,
• 8:12
  hey,
• 8:13
  do
• 8:13
  you
• 8:13
  help
• 8:13
  people
• 8:13
  organize
• 8:14
  their
• 8:14
  finances?
• 8:15
  I
• 8:15
  said,
• 8:15
  well,
• 8:15
  maybe.
• 8:16
  Let's
• 8:16
  talk
• 8:16
  about
• 8:17
  this.
• 8:17
  Well,
• 8:17
  she
• 8:17
  says,
• 8:18
  I'll
• 8:18
  be
• 8:18
  right
• 8:18
  back.
• 8:18
  Well,
• 8:19
  she
• 8:19
  came
• 8:19
  back
• 8:19
  with
• 8:19
  one
• 8:20
  of
• 8:20
  those
• 8:20
  banker
• 8:20
  boxes
• 8:21
  full
• 8:21
  of
• 8:21
  documents.
• 8:22
  She
• 8:22
  goes,
• 8:22
  I
• 8:22
  have
• 8:22
  10
• 8:23
  more
• 8:23
  boxes,
• 8:23
  Ralph,
• 8:23
  Can
• 8:24
  I
• 8:24
  bring
• 8:24
  them
• 8:24
  to
• 8:24
  you?
• 8:24
  Hold
• 8:24
  on
• 8:25
  a
• 8:25
  second.
• 8:25
  Wait
• 8:26
  a
• 8:26
  minute.
• 8:26
  We're
• 8:26
  not
• 8:26
  going
• 8:26
  to
• 8:26
  get
• 8:26
  all
• 8:26
  this
• 8:27
  today.
• 8:27
  But
• 8:28
  the
• 8:28
  whole
• 8:28
  point
• 8:28
  of
• 8:28
  that
• 8:29
  story
• 8:29
  was,
• 8:29
  you
• 8:30
  know,
• 8:30
  it's
• 8:30
  time
• 8:30
  to
• 8:31
  organize
• 8:31
  those
• 8:32
  things.
• 8:32
  So
• 8:32
  just
• 8:33
  pick
• 8:33
  one
• 8:33
  tiny
• 8:34
  area,
• 8:34
  one
• 8:35
  small
• 8:35
  manageable
• 8:35
  financial
• 8:36
  area.
• 8:36
  You
• 8:36
  got
• 8:36
  that
• 8:37
  in
• 8:37
  mind?
• 8:37
  Let's
• 8:37
  move
• 8:38
  on
• 8:38
  to
• 8:38
  the
• 8:38
  second
• 8:38
  thing.
• 8:39
  Now's
• 8:39
  the
• 8:40
  time
• 8:40
  to
• 8:40
  organize.
• 8:41
  That's
• 8:41
  physically
• 8:42
  or
• 8:42
  digitally.
• 8:43
  If
• 8:43
  it's
• 8:43
  papers
• 8:44
  sorted
• 8:45
  in
• 8:45
  the
• 8:45
  folders.
• 8:45
  Think
• 8:45
  about
• 8:46
  what
• 8:46
  my
• 8:46
  mom
• 8:46
  did.
• 8:46
  She
• 8:46
  had
• 8:47
  everything
• 8:47
  in
• 8:47
  its
• 8:47
  place.
• 8:48
  Hey,
• 8:48
  or
• 8:48
  maybe
• 8:49
  you
• 8:49
  don't
• 8:49
  even
• 8:49
  need
• 8:49
  them
• 8:50
  anymore.
• 8:50
  It's
• 8:51
  time
• 8:51
  to
• 8:51
  shred
• 8:51
  those
• 8:51
  things.
• 8:52
  Don't
• 8:52
  leave
• 8:52
  them
• 8:52
  on
• 8:52
  some
• 8:53
  shelf
• 8:53
  somewhere
• 8:53
  where
• 8:53
  somebody
• 8:54
  can
• 8:54
  grab
• 8:54
  it
• 8:54
  and
• 8:54
  steal
• 8:55
  your
• 8:55
  identity.
• 8:56
  You
• 8:56
  know,
• 8:56
  sort
• 8:56
  them
• 8:57
  or
• 8:57
  shred
• 8:57
  them.
• 8:57
  And
• 8:58
  listen,
• 8:58
  if
• 8:58
  they're
• 8:58
  digital,
• 8:59
  this
• 8:59
  is
• 8:59
  the
• 9:00
  time
• 9:00
  to
• 9:00
  really
• 9:00
  organize
• 9:01
  your
• 9:01
  digital
• 9:01
  life.
• 9:02
  You
• 9:02
  can
• 9:02
  create
• 9:02
  some
• 9:03
  folders,
• 9:03
  maybe
• 9:04
  get
• 9:04
  a
• 9:04
  subscription
• 9:05
  to
• 9:05
  an
• 9:05
  online
• 9:06
  service
• 9:06
  where
• 9:06
  you
• 9:07
  can
• 9:07
  store
• 9:07
  all
• 9:07
  that
• 9:07
  stuff
• 9:08
  and
• 9:08
  maybe
• 9:08
  use
• 9:09
  a
• 9:09
  password
• 9:09
  manager.
• 9:10
  So
• 9:10
  organize
• 9:11
  those
• 9:11
  things,
• 9:11
  Pick
• 9:12
  that
• 9:12
  one
• 9:12
  area,
• 9:13
  organize
• 9:13
  it.
• 9:14
  And
• 9:14
  then
• 9:14
  next
• 9:14
  thing
• 9:15
  I
• 9:15
  want
• 9:15
  you
• 9:15
  to
• 9:15
  do,
• 9:15
  and
• 9:16
  this
• 9:16
  is
• 9:16
  like
• 9:16
  the
• 9:16
  low
• 9:16
  hanging
• 9:17
  fruit
• 9:17
  thing
• 9:17
  for
• 9:17
  today.
• 9:18
  I
• 9:18
  guarantee
• 9:19
  if
• 9:19
  you
• 9:19
  do
• 9:19
  this,
• 9:19
  you
• 9:19
  will
• 9:20
  find
• 9:20
  some
• 9:20
  things
• 9:20
  you're
• 9:20
  not
• 9:20
  using.
• 9:21
  This
• 9:21
  is
• 9:21
  a
• 9:21
  great
• 9:22
  time
• 9:22
  to
• 9:22
  look
• 9:22
  at
• 9:22
  those
• 9:22
  subscriptions
• 9:23
  that
• 9:23
  you're
• 9:24
  not
• 9:24
  using.
• 9:24
  Or
• 9:24
  maybe
• 9:25
  you've
• 9:25
  got
• 9:25
  that
• 9:26
  checking
• 9:26
  account
• 9:26
  or
• 9:27
  that
• 9:27
  credit
• 9:27
  card
• 9:27
  that
• 9:27
  you
• 9:28
  don't
• 9:28
  even
• 9:28
  use
• 9:28
  anymore.
• 9:29
  But
• 9:29
  maybe
• 9:29
  you
• 9:30
  know
• 9:30
  that,
• 9:30
  that,
• 9:30
  that
• 9:30
  subscription
• 9:31
  you're
• 9:31
  not
• 9:31
  even
• 9:31
  using
• 9:32
  anymore,
• 9:32
  it's
• 9:32
  costing
• 9:33
  you
• 9:33
  money.
• 9:33
  You
• 9:33
  look
• 9:33
  at
• 9:33
  your
• 9:34
  banks
• 9:34
  and
• 9:34
  be
• 9:34
  like,
• 9:34
  they're
• 9:34
  charging
• 9:35
  me
• 9:35
  every
• 9:35
  month
• 9:35
  for
• 9:35
  this,
• 9:35
  Ralph,
• 9:36
  but
• 9:36
  I
• 9:36
  never
• 9:36
  use
• 9:37
  it.
• 9:37
  So
• 9:37
  just
• 9:38
  identify
• 9:38
  one
• 9:39
  that
• 9:39
  you
• 9:39
  no
• 9:39
  longer
• 9:40
  use,
• 9:40
  or
• 9:40
  you
• 9:40
  can
• 9:40
  consolidate
• 9:41
  and
• 9:42
  then
• 9:42
  commit
• 9:42
  to
• 9:42
  canceling
• 9:43
  or
• 9:43
  contacting
• 9:44
  them
• 9:44
  today
• 9:45
  or
• 9:45
  this
• 9:45
  week
• 9:45
  to
• 9:46
  adjust
• 9:46
  that.
• 9:47
  And
• 9:47
  while
• 9:47
  you're
• 9:47
  there,
• 9:48
  check
• 9:48
  for
• 9:48
  unused
• 9:49
  accounts.
• 9:49
  I
• 9:50
  don't
• 9:50
  know
• 9:50
  how
• 9:50
  many
• 9:50
  times
• 9:51
  I've
• 9:51
  worked
• 9:51
  with
• 9:51
  clients
• 9:52
  in
• 9:53
  the
• 9:53
  same
• 9:53
  situation.
• 9:53
  Let's
• 9:53
  go
• 9:53
  back
• 9:54
  to
• 9:54
  the
• 9:54
  lady
• 9:54
  that
• 9:54
  came
• 9:54
  up
• 9:54
  to
• 9:55
  the,
• 9:55
  to
• 9:55
  my
• 9:55
  office
• 9:55
  from
• 9:56
  down
• 9:56
  the
• 9:56
  street.
• 9:57
  Her
• 9:57
  husband
• 9:57
  had
• 9:58
  CDs
• 9:58
  all
• 9:59
  over
• 9:59
  the
• 9:59
  place.
• 10:00
  It
• 10:00
  took
• 10:00
  us,
• 10:00
  and
• 10:00
  I'm
• 10:01
  not,
• 10:01
  I'm
• 10:01
  not
• 10:01
  overestimating
• 10:02
  this.
• 10:02
  It
• 10:03
  took
• 10:03
  us
• 10:03
  almost
• 10:04
  a
• 10:04
  year
• 10:05
  to
• 10:05
  try
• 10:05
  to
• 10:05
  figure
• 10:05
  out
• 10:06
  where
• 10:06
  all
• 10:06
  his
• 10:06
  money
• 10:06
  was.
• 10:07
  It
• 10:07
  was
• 10:08
  a
• 10:08
  disaster.
• 10:09
  Could
• 10:09
  have
• 10:10
  all
• 10:10
  been
• 10:10
  prevented
• 10:11
  just
• 10:11
  by
• 10:11
  checking
• 10:11
  to
• 10:12
  see
• 10:12
  if
• 10:12
  you've
• 10:12
  got
• 10:12
  those
• 10:13
  unused
• 10:13
  accounts
• 10:14
  or
• 10:14
  maybe
• 10:14
  an
• 10:14
  unused
• 10:15
  credit
• 10:15
  card.
• 10:15
  Because,
• 10:15
  hey,
• 10:16
  that's
• 10:16
  an
• 10:16
  area
• 10:16
  where
• 10:17
  you
• 10:17
  can
• 10:17
  have
• 10:17
  fraud.
• 10:17
  Because
• 10:17
  if
• 10:18
  you're
• 10:18
  not
• 10:18
  using
• 10:18
  it,
• 10:18
  you're
• 10:19
  not
• 10:19
  paying
• 10:19
  attention
• 10:19
  to
• 10:20
  it.
• 10:20
  So
• 10:20
  this
• 10:20
  is
• 10:21
  the
• 10:21
  time
• 10:21
  to
• 10:21
  look
• 10:21
  at
• 10:21
  those
• 10:22
  things
• 10:22
  and
• 10:22
  close
• 10:23
  them
• 10:23
  out.
• 10:23
  If
• 10:23
  you
• 10:24
  don't
• 10:24
  use
• 10:24
  them.
• 10:25
  And
• 10:25
  you
• 10:25
  might
• 10:26
  say,
• 10:26
  why
• 10:26
  does
• 10:26
  this
• 10:26
  help?
• 10:26
  Well,
• 10:27
  Ralph,
• 10:28
  this
• 10:28
  is
• 10:28
  all
• 10:28
  about
• 10:29
  helping
• 10:29
  you
• 10:30
  break
• 10:30
  that
• 10:31
  financial
• 10:31
  disorganization
• 10:32
  and
• 10:33
  find
• 10:33
  those
• 10:33
  hidden
• 10:34
  costs.
• 10:34
  And
• 10:35
  because
• 10:35
  I'm
• 10:35
  going
• 10:35
  to
• 10:35
  help
• 10:35
  you
• 10:35
  create
• 10:36
  immediate
• 10:36
  clarity,
• 10:36
  I'm
• 10:37
  going
• 10:37
  to
• 10:37
  help
• 10:37
  you
• 10:37
  reduce
• 10:38
  that
• 10:38
  stress
• 10:38
  and
• 10:39
  truly
• 10:39
  identify
• 10:40
  and
• 10:41
  eliminate
• 10:41
  unnecessary
• 10:42
  spending.
• 10:42
  Because,
• 10:43
  hey,
• 10:43
  in
• 10:43
  the
• 10:43
  end,
• 10:44
  I
• 10:44
  want
• 10:45
  to
• 10:45
  empower
• 10:45
  you
• 10:45
  for
• 10:45
  greater
• 10:46
  control
• 10:47
  and
• 10:47
  peace
• 10:47
  over
• 10:48
  your
• 10:48
  financial
• 10:48
  life.
• 10:49
  Hey,
• 10:49
  do
• 10:49
  you
• 10:49
  want
• 10:49
  peace?
• 10:50
  Do
• 10:50
  you
• 10:50
  want
• 10:50
  control
• 10:51
  over
• 10:51
  your
• 10:51
  financial
• 10:51
  life?
• 10:52
  Then
• 10:52
  do
• 10:52
  what
• 10:53
  I
• 10:53
  propose
• 10:53
  today.
• 10:54
  Why
• 10:54
  about
• 10:54
  we
• 10:54
  pray
• 10:54
  together
• 10:55
  now?
• 10:55
  Father
• 10:56
  God,
• 10:56
  we
• 10:56
  just
• 10:56
  thank
• 10:57
  you
• 10:57
  for
• 10:57
  the
• 10:57
  blessings
• 10:57
  that
• 10:57
  you
• 10:58
  entrust
• 10:58
  to
• 10:58
  our
• 10:59
  care,
• 10:59
  Lord.
• 10:59
  And
• 11:00
  we
• 11:00
  confess,
• 11:00
  Lord,
• 11:01
  that
• 11:01
  our
• 11:01
  financial
• 11:02
  lives
• 11:02
  can
• 11:02
  sometimes
• 11:03
  become
• 11:03
  cluttered
• 11:04
  and
• 11:04
  disorganized.
• 11:05
  And.
• 11:05
  And
• 11:05
  we
• 11:05
  know
• 11:06
  that
• 11:06
  leads
• 11:06
  us
• 11:06
  to
• 11:06
  a
• 11:06
  place
• 11:07
  of
• 11:07
  stress
• 11:07
  and
• 11:08
  a
• 11:08
  place
• 11:08
  of
• 11:08
  not
• 11:09
  being
• 11:09
  in
• 11:09
  peace
• 11:09
  with
• 11:10
  you.
• 11:10
  So
• 11:10
  we
• 11:11
  would
• 11:11
  ask
• 11:11
  that
• 11:11
  you
• 11:11
  would
• 11:11
  grant
• 11:12
  us
• 11:12
  wisdom,
• 11:12
  Lord,
• 11:12
  and
• 11:13
  diligence
• 11:13
  as
• 11:14
  we
• 11:14
  really
• 11:14
  work
• 11:14
  to
• 11:14
  organize
• 11:15
  our
• 11:15
  resources,
• 11:16
  help
• 11:17
  us
• 11:17
  to
• 11:17
  see
• 11:17
  clearly,
• 11:18
  help
• 11:18
  us
• 11:18
  to
• 11:18
  identify
• 11:19
  waste
• 11:20
  and
• 11:20
  help
• 11:20
  us
• 11:20
  make
• 11:21
  wise
• 11:21
  choices.
• 11:22
  And
• 11:23
  may
• 11:23
  our
• 11:23
  financial
• 11:23
  lives
• 11:24
  reflect
• 11:24
  order
• 11:24
  and
• 11:25
  clarity,
• 11:25
  just
• 11:25
  like
• 11:25
  your
• 11:25
  word
• 11:26
  says,
• 11:26
  bringing
• 11:27
  you
• 11:27
  glory
• 11:28
  and
• 11:28
  bringing
• 11:28
  us
• 11:29
  greater
• 11:29
  peace.
• 11:29
  And
• 11:30
  we
• 11:30
  ask
• 11:30
  this
• 11:30
  in
• 11:30
  confidence
• 11:32
  in
• 11:32
  Jesus
• 11:32
  name,
• 11:33
  Amen.
• 11:35
  Listen,
• 11:35
  a
• 11:36
  financial
• 11:36
  cleanup
• 11:37
  isn't
• 11:37
  just
• 11:37
  about
• 11:37
  tidiness.
• 11:39
  That's
• 11:39
  a
• 11:39
  good
• 11:39
  part
• 11:39
  of
• 11:40
  it.
• 11:40
  But
• 11:40
  It's
• 11:40
  a
• 11:40
  powerful
• 11:41
  step
• 11:41
  towards
• 11:41
  clarity.
• 11:42
  It's
• 11:42
  a
• 11:43
  powerful
• 11:43
  step
• 11:43
  towards
• 11:43
  efficiency.
• 11:44
  And,
• 11:44
  hey,
• 11:44
  listen,
• 11:45
  it's
• 11:45
  a
• 11:46
  powerful
• 11:46
  step
• 11:46
  towards
• 11:47
  peace.
• 11:47
  So
• 11:48
  I'm
• 11:48
  going
• 11:48
  to
• 11:48
  encourage
• 11:48
  you
• 11:48
  one
• 11:48
  more
• 11:49
  time,
• 11:49
  take
• 11:49
  that
• 11:50
  step
• 11:50
  today.
• 11:50
  You
• 11:51
  can
• 11:51
  see
• 11:51
  those
• 11:52
  steps
• 11:52
  today
• 11:52
  in
• 11:53
  the
• 11:53
  show
• 11:53
  notes.
• 11:54
  Get
• 11:54
  to
• 11:54
  it
• 11:54
  today.
• 11:55
  And
• 11:55
  while
• 11:55
  you're
• 11:56
  there,
• 11:56
  I
• 11:56
  want
• 11:56
  you
• 11:56
  to
• 11:56
  consider
• 11:57
  sharing
• 11:57
  this
• 11:57
  show
• 11:58
  with
• 11:58
  somebody
• 11:58
  who
• 11:58
  might
• 11:59
  need
• 11:59
  to
• 11:59
  hear
• 11:59
  it.
• 11:59
  Maybe,
• 12:00
  you
• 12:00
  know,
• 12:00
  somebody
• 12:00
  in
• 12:00
  your
• 12:00
  life.
• 12:01
  Man,
• 12:01
  they
• 12:01
  are
• 12:01
  really
• 12:01
  unorganized.
• 12:02
  I
• 12:02
  wouldn't
• 12:03
  say
• 12:03
  that
• 12:04
  way
• 12:04
  to
• 12:04
  him,
• 12:04
  but
• 12:04
  you
• 12:04
  can
• 12:04
  send
• 12:05
  him
• 12:05
  a
• 12:05
  text
• 12:05
  or
• 12:05
  send
• 12:06
  him
• 12:06
  an
• 12:06
  email,
• 12:06
  say,
• 12:06
  hey,
• 12:07
  this
• 12:07
  guy
• 12:07
  Ralph,
• 12:07
  he's
• 12:07
  got
• 12:08
  this
• 12:08
  show
• 12:08
  called
• 12:08
  Financially
• 12:09
  Confident
• 12:09
  Christian,
• 12:10
  and
• 12:10
  he
• 12:10
  was
• 12:11
  talking
• 12:11
  about
• 12:11
  how
• 12:11
  to
• 12:11
  organize
• 12:12
  your
• 12:12
  stuff.
• 12:12
  And
• 12:13
  I
• 12:13
  think
• 12:13
  you
• 12:13
  could
• 12:13
  really
• 12:14
  benefit
• 12:14
  from
• 12:14
  that.
• 12:15
  Just
• 12:15
  send
• 12:15
  them
• 12:15
  to
• 12:15
  our
• 12:16
  website.
• 12:16
  That's
• 12:17
  financiallyconfidentchristian.com
• 12:20
  now,
• 12:20
  tomorrow
• 12:21
  we're
• 12:21
  going
• 12:21
  to
• 12:21
  reflect
• 12:21
  on
• 12:22
  your
• 12:22
  fall
• 12:22
  blessings
• 12:23
  and
• 12:23
  financial
• 12:24
  growth,
• 12:24
  and
• 12:24
  I'm
• 12:25
  going
• 12:25
  to
• 12:25
  help
• 12:25
  you
• 12:25
  prepare
• 12:25
  your
• 12:26
  heart
• 12:26
  for
• 12:26
  the
• 12:26
  coming
• 12:27
  winter
• 12:27
  with
• 12:27
  gratitude.
• 12:28
  Yes,
• 12:28
  it's
• 12:29
  all
• 12:29
  about
• 12:29
  being
• 12:29
  intentional
• 12:30
  and.
• 12:30
  And
• 12:31
  it's
• 12:31
  all
• 12:31
  about
• 12:31
  reflecting
• 12:32
  on
• 12:32
  our
• 12:32
  blessings
• 12:33
  and
• 12:33
  preparing
• 12:34
  our
• 12:34
  heart
• 12:34
  for
• 12:34
  what
• 12:35
  is
• 12:35
  to
• 12:35
  come
• 12:35
  next.
• 12:35
  So
• 12:36
  you
• 12:36
  don't
• 12:36
  want
• 12:36
  to
• 12:36
  miss
• 12:36
  it.
• 12:36
  So
• 12:37
  make
• 12:37
  sure
• 12:37
  you
• 12:37
  join
• 12:38
  me
• 12:38
  tomorrow.
• 12:39
  Now
• 12:39
  here's
• 12:39
  your
• 12:39
  charge
• 12:40
  for
• 12:40
  today.
• 12:40
  Let's
• 12:41
  all
• 12:41
  go
• 12:41
  out
• 12:41
  there
• 12:41
  and
• 12:41
  be
• 12:42
  financially
• 12:43
  confident
• 12:43
  Christians.
• 12:44
  You
• 12:44
  can
• 12:45
  do
• 12:45
  this.
• 12:45
  I
• 12:46
  have
• 12:46
  complete
• 12:46
  confidence
• 12:47
  in
• 12:47
  you.
• 12:47
  Have
• 12:48
  confidence
• 12:48
  in
• 12:48
  yourself.
• 12:49
  Stay
• 12:49
  financially
• 12:50
  savvy.
• 12:50
  God
• 12:51
  bless
• 12:51
  you,
• 12:51
  and
• 12:52
  you
• 12:52
  have
• 12:52
  a
• 12:52
  great
• 12:52
  day.