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Can You Be Spiritually Free While Still in Debt? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  noticed
• 0:38
  how
• 0:38
  debt
• 0:38
  doesn't
• 0:39
  just
• 0:39
  touch
• 0:39
  your
• 0:39
  wallet,
• 0:40
  it
• 0:40
  touches
• 0:41
  your
• 0:41
  peace.
• 0:42
  It
• 0:42
  follows
• 0:43
  you
• 0:43
  into
• 0:43
  your
• 0:43
  quiet
• 0:43
  moments,
• 0:44
  into
• 0:45
  your
• 0:45
  car
• 0:45
  rides,
• 0:46
  into
• 0:46
  your
• 0:47
  prayers.
• 0:48
  And
• 0:48
  for
• 0:48
  so
• 0:49
  many
• 0:49
  of
• 0:49
  us,
• 0:49
  it
• 0:49
  can
• 0:49
  feel
• 0:50
  like
• 0:50
  chains.
• 0:51
  It's
• 0:51
  not
• 0:51
  always
• 0:52
  loud,
• 0:52
  but
• 0:52
  it's
• 0:52
  always
• 0:53
  there.
• 0:53
  It's
• 0:53
  always
• 0:54
  present.
• 0:55
  And
• 0:55
  what's
• 0:56
  wild
• 0:56
  is
• 0:56
  this.
• 0:57
  You
• 0:57
  can
• 0:57
  be
• 0:58
  making
• 0:58
  progress
• 0:59
  and
• 0:59
  still
• 0:59
  feel
• 1:00
  trapped.
• 1:01
  So,
• 1:01
  friend,
• 1:02
  if
• 1:02
  that's
• 1:02
  you
• 1:02
  today,
• 1:03
  this
• 1:03
  episode
• 1:04
  is
• 1:04
  a
• 1:04
  place
• 1:04
  to
• 1:05
  finally
• 1:05
  breathe.
• 1:06
  Because
• 1:06
  real
• 1:06
  freedom
• 1:07
  starts
• 1:07
  deeper
• 1:07
  than
• 1:08
  a
• 1:08
  balance
• 1:08
  sheet,
• 1:09
  and
• 1:09
  it
• 1:09
  can
• 1:09
  start
• 1:10
  right
• 1:10
  now.
• 1:11
  So
• 1:11
  let's
• 1:11
  answer
• 1:11
  today's
• 1:12
  question.
• 1:12
  Can
• 1:13
  you
• 1:13
  be
• 1:13
  spiritually
• 1:14
  free
• 1:15
  while
• 1:15
  still
• 1:15
  in
• 1:15
  debt?
• 1:38
  Hey,
• 1:38
  friend.
• 1:38
  Ralph
• 1:38
  Estep
• 1:39
  Jr.
• 1:39
  Here.
• 1:40
  Welcome
• 1:40
  to
• 1:40
  the
• 1:41
  Financially
• 1:41
  Confident
• 1:41
  Christian,
• 1:42
  where
• 1:42
  we
• 1:43
  learn
• 1:43
  to
• 1:43
  walk
• 1:43
  through
• 1:43
  life
• 1:44
  and
• 1:44
  money
• 1:44
  with
• 1:44
  wisdom,
• 1:45
  with
• 1:45
  peace,
• 1:46
  and
• 1:46
  with
• 1:47
  a
• 1:47
  heart
• 1:47
  anchored
• 1:47
  in
• 1:47
  God's
• 1:48
  truth.
• 1:49
  My
• 1:49
  mission
• 1:49
  is
• 1:49
  simple.
• 1:50
  To
• 1:50
  help
• 1:51
  you
• 1:51
  break
• 1:51
  the
• 1:51
  cycle
• 1:52
  of
• 1:52
  financial
• 1:52
  shame,
• 1:53
  build
• 1:53
  steady
• 1:54
  habits
• 1:54
  rooted
• 1:54
  in
• 1:55
  faith,
• 1:55
  and
• 1:55
  become
• 1:56
  the
• 1:56
  kind
• 1:56
  of
• 1:56
  believer
• 1:57
  who
• 1:57
  handles
• 1:57
  money
• 1:57
  with
• 1:57
  clarity,
• 1:58
  with
• 1:59
  confidence,
• 2:00
  and
• 2:00
  with
• 2:00
  deep
• 2:00
  spiritual
• 2:01
  purpose.
• 2:02
  Yesterday
• 2:03
  we
• 2:03
  talked
• 2:03
  about
• 2:03
  credit
• 2:04
  card
• 2:04
  debt.
• 2:05
  We
• 2:05
  talked
• 2:05
  about
• 2:05
  the
• 2:06
  interest
• 2:06
  and
• 2:06
  creating
• 2:07
  those
• 2:07
  boundaries
• 2:07
  and
• 2:08
  finally
• 2:08
  breaking
• 2:08
  the
• 2:08
  cycle.
• 2:10
  But
• 2:10
  today,
• 2:10
  I
• 2:10
  want
• 2:10
  to
• 2:10
  zoom
• 2:11
  out
• 2:11
  a
• 2:11
  bit,
• 2:12
  because
• 2:12
  some
• 2:12
  of
• 2:12
  you
• 2:12
  aren't
• 2:13
  just
• 2:13
  dealing
• 2:13
  with
• 2:13
  a
• 2:14
  payment.
• 2:14
  You're
• 2:15
  dealing
• 2:15
  with
• 2:15
  a
• 2:15
  feeling.
• 2:17
  You're
• 2:17
  feeling
• 2:17
  like
• 2:17
  you're
• 2:18
  owned.
• 2:18
  You're
• 2:19
  feeling
• 2:19
  like
• 2:19
  you're
• 2:20
  stuck.
• 2:20
  You're
• 2:20
  feeling
• 2:20
  like
• 2:20
  you
• 2:21
  can't
• 2:21
  even
• 2:21
  breathe.
• 2:23
  So
• 2:23
  today
• 2:24
  is
• 2:24
  a
• 2:24
  reset.
• 2:25
  It's
• 2:26
  a
• 2:26
  real
• 2:26
  life
• 2:26
  reset
• 2:27
  for
• 2:28
  a
• 2:28
  regular
• 2:28
  day,
• 2:29
  a
• 2:29
  work
• 2:29
  day,
• 2:29
  a
• 2:29
  tired
• 2:30
  day,
• 2:31
  and
• 2:31
  I'm
• 2:32
  doing
• 2:32
  my
• 2:32
  best
• 2:32
  day.
• 2:33
  And
• 2:34
  we're
• 2:34
  going
• 2:34
  to
• 2:34
  talk
• 2:34
  today
• 2:35
  about
• 2:35
  freedom
• 2:36
  from
• 2:36
  financial
• 2:37
  slavery.
• 2:38
  I'm
• 2:38
  not
• 2:38
  just
• 2:38
  talking
• 2:38
  about
• 2:39
  your
• 2:39
  numbers,
• 2:40
  but
• 2:40
  deep
• 2:40
  down
• 2:41
  in
• 2:41
  your
• 2:41
  soul.
• 2:42
  A
• 2:43
  listener
• 2:43
  once
• 2:43
  asked
• 2:44
  me,
• 2:44
  ralph,
• 2:44
  I'm
• 2:45
  paying
• 2:45
  things
• 2:45
  down,
• 2:46
  but
• 2:47
  I
• 2:47
  still
• 2:47
  feel
• 2:47
  trapped
• 2:48
  inside.
• 2:49
  Why
• 2:50
  doesn't
• 2:50
  progress
• 2:50
  always
• 2:51
  feel
• 2:51
  like
• 2:51
  freedom?
• 2:53
  You
• 2:53
  know,
• 2:54
  I
• 2:54
  thought
• 2:54
  about
• 2:54
  that,
• 2:55
  and
• 2:55
  when
• 2:55
  someone
• 2:56
  asked
• 2:56
  that,
• 2:57
  I
• 2:57
  know
• 2:57
  what
• 2:57
  they're
• 2:58
  really
• 2:58
  saying.
• 2:59
  They're
• 3:00
  saying,
• 3:00
  ralph,
• 3:00
  I'm
• 3:00
  doing
• 3:01
  the
• 3:01
  work,
• 3:02
  but,
• 3:02
  man,
• 3:03
  my
• 3:03
  heart
• 3:03
  is
• 3:03
  still
• 3:04
  tired.
• 3:05
  And
• 3:06
  that's
• 3:06
  because
• 3:06
  underneath
• 3:07
  that
• 3:07
  question
• 3:07
  is
• 3:07
  this.
• 3:09
  And
• 3:09
  so
• 3:09
  many
• 3:09
  of
• 3:09
  us
• 3:10
  have
• 3:10
  felt
• 3:10
  this.
• 3:11
  I'm
• 3:12
  making
• 3:12
  progress,
• 3:13
  but
• 3:13
  the
• 3:14
  fear
• 3:14
  is
• 3:14
  still
• 3:14
  there.
• 3:16
  I'm
• 3:16
  paying
• 3:16
  it
• 3:16
  down,
• 3:17
  man,
• 3:17
  but
• 3:17
  I
• 3:17
  still
• 3:18
  feel
• 3:18
  behind.
• 3:19
  I
• 3:20
  thought
• 3:20
  freedom
• 3:20
  would
• 3:20
  feel
• 3:21
  lighter
• 3:21
  by
• 3:21
  now.
• 3:23
  So,
• 3:24
  friends,
• 3:24
  you're
• 3:24
  not
• 3:24
  crazy
• 3:25
  for
• 3:25
  feeling
• 3:25
  that.
• 3:27
  Debt
• 3:27
  is
• 3:27
  not
• 3:28
  just
• 3:28
  math.
• 3:29
  Debt
• 3:29
  carries
• 3:30
  emotion.
• 3:31
  Debt
• 3:31
  carries
• 3:32
  memory.
• 3:32
  For
• 3:33
  so
• 3:33
  many
• 3:33
  of
• 3:33
  us,
• 3:33
  debt
• 3:34
  carries
• 3:34
  regret,
• 3:35
  and
• 3:36
  debt
• 3:36
  carries
• 3:36
  pressure.
• 3:38
  And
• 3:38
  for
• 3:39
  so
• 3:39
  many
• 3:39
  people,
• 3:40
  debt
• 3:41
  becomes
• 3:41
  a
• 3:41
  daily
• 3:42
  master,
• 3:43
  not
• 3:43
  just
• 3:44
  a
• 3:44
  monthly
• 3:44
  bill.
• 3:46
  Let's
• 3:46
  say
• 3:46
  it
• 3:46
  plainly.
• 3:47
  Scripture
• 3:48
  actually
• 3:48
  describes
• 3:49
  this
• 3:49
  feeling.
• 3:49
  Look
• 3:49
  at
• 3:50
  Proverbs
• 3:50
  22,
• 3:51
  7.
• 3:52
  The
• 3:53
  rich
• 3:53
  rule
• 3:53
  over
• 3:53
  the
• 3:54
  poor,
• 3:55
  and
• 3:55
  the
• 3:55
  borrower
• 3:56
  is
• 3:56
  slave
• 3:56
  to
• 3:56
  the
• 3:57
  lender.
• 3:58
  Now,
• 3:58
  listen,
• 3:58
  a
• 3:59
  lot
• 3:59
  of
• 3:59
  people
• 3:59
  would
• 3:59
  say,
• 3:59
  man,
• 3:59
  that
• 4:00
  is
• 4:00
  a
• 4:00
  verse
• 4:00
  that
• 4:00
  just
• 4:00
  shames
• 4:01
  me.
• 4:01
  But
• 4:01
  that's
• 4:01
  not
• 4:01
  why
• 4:02
  it's
• 4:02
  here.
• 4:02
  It's
• 4:02
  not
• 4:03
  here
• 4:03
  to
• 4:03
  shame
• 4:03
  you.
• 4:04
  I
• 4:05
  believe
• 4:05
  it's
• 4:05
  here
• 4:05
  to
• 4:05
  name
• 4:06
  the
• 4:06
  weight.
• 4:07
  To
• 4:07
  say
• 4:07
  this,
• 4:07
  yes,
• 4:08
  debt
• 4:08
  can
• 4:09
  feel
• 4:09
  like
• 4:09
  slavery.
• 4:11
  Because
• 4:11
  what
• 4:11
  is
• 4:11
  slavery?
• 4:12
  It's
• 4:12
  about
• 4:12
  control.
• 4:14
  And
• 4:14
  debt
• 4:14
  can
• 4:15
  start
• 4:15
  controlling
• 4:15
  us.
• 4:16
  It
• 4:16
  controls
• 4:16
  our
• 4:17
  options.
• 4:18
  It
• 4:18
  controls
• 4:18
  our
• 4:19
  confidence.
• 4:20
  It
• 4:20
  controls
• 4:20
  our
• 4:21
  sleep.
• 4:21
  It
• 4:22
  controls
• 4:22
  our
• 4:22
  marriage
• 4:23
  conversations.
• 4:25
  And
• 4:25
  it
• 4:25
  controls
• 4:26
  our
• 4:26
  ability
• 4:26
  to
• 4:27
  be
• 4:27
  generous.
• 4:28
  So
• 4:29
  if
• 4:29
  you've
• 4:29
  ever
• 4:29
  felt
• 4:30
  that
• 4:30
  you're
• 4:30
  not
• 4:30
  weak,
• 4:31
  you're
• 4:32
  human.
• 4:33
  I
• 4:33
  remember
• 4:33
  a
• 4:34
  while
• 4:34
  back,
• 4:34
  someone
• 4:34
  telling
• 4:34
  me,
• 4:35
  ralph,
• 4:35
  my
• 4:35
  debt
• 4:36
  made
• 4:36
  me
• 4:36
  feel
• 4:36
  owned.
• 4:38
  And
• 4:38
  before
• 4:39
  we
• 4:39
  even
• 4:39
  talk
• 4:39
  strategy
• 4:40
  with
• 4:40
  her,
• 4:40
  I
• 4:41
  talk
• 4:41
  surrender.
• 4:42
  Because
• 4:42
  we
• 4:42
  were
• 4:42
  trying
• 4:43
  to
• 4:43
  fight
• 4:43
  debt
• 4:43
  with
• 4:44
  sheer
• 4:44
  willpower
• 4:45
  while
• 4:46
  carrying
• 4:46
  that
• 4:46
  shame
• 4:46
  like
• 4:47
  a
• 4:47
  backpack
• 4:47
  pool
• 4:48
  of
• 4:48
  bricks.
• 4:48
  Backpacks
• 4:49
  full
• 4:49
  of
• 4:49
  bricks
• 4:50
  are
• 4:50
  heavy.
• 4:51
  So
• 4:52
  we
• 4:52
  did
• 4:52
  something
• 4:52
  simple.
• 4:53
  It
• 4:53
  wasn't
• 4:53
  fancy.
• 4:53
  It
• 4:54
  wasn't
• 4:54
  dramatic.
• 4:56
  We
• 4:56
  started
• 4:57
  praying
• 4:57
  over
• 4:57
  their
• 4:57
  debt.
• 4:58
  Not
• 4:58
  with
• 4:59
  panic,
• 4:59
  but
• 4:59
  with
• 4:59
  trust.
• 5:00
  Trust
• 5:00
  in
• 5:00
  what
• 5:00
  the
• 5:00
  Lord
• 5:01
  could
• 5:01
  do.
• 5:01
  Now,
• 5:02
  I
• 5:02
  would
• 5:02
  love
• 5:02
  to
• 5:02
  tell
• 5:02
  you
• 5:02
  that
• 5:03
  the
• 5:03
  balances
• 5:03
  vanished
• 5:04
  overnight.
• 5:04
  The
• 5:04
  balances
• 5:05
  didn't
• 5:05
  vanish
• 5:05
  overnight,
• 5:07
  but
• 5:07
  something
• 5:08
  shifted.
• 5:09
  That
• 5:09
  fear
• 5:10
  loosened
• 5:11
  its
• 5:11
  grip.
• 5:12
  And
• 5:12
  once
• 5:12
  peace
• 5:13
  returned,
• 5:14
  wise
• 5:14
  decision
• 5:15
  follows,
• 5:16
  because
• 5:17
  peace
• 5:17
  doesn't
• 5:17
  erase
• 5:18
  responsibility.
• 5:18
  You
• 5:19
  still
• 5:19
  have
• 5:19
  responsibility
• 5:20
  for
• 5:20
  the
• 5:20
  debt,
• 5:21
  but
• 5:21
  peace
• 5:22
  gives
• 5:22
  you
• 5:22
  strength
• 5:22
  to
• 5:23
  walk
• 5:23
  it
• 5:23
  out.
• 5:24
  So
• 5:24
  here's
• 5:25
  what
• 5:25
  I
• 5:25
  want
• 5:25
  you
• 5:25
  to
• 5:25
  know.
• 5:25
  Today,
• 5:26
  financial
• 5:27
  slavery
• 5:27
  is
• 5:27
  often
• 5:28
  internal.
• 5:28
  First,
• 5:29
  let's
• 5:29
  start
• 5:29
  there.
• 5:30
  Financial
• 5:31
  slavery
• 5:31
  isn't
• 5:32
  just
• 5:32
  what
• 5:32
  you
• 5:32
  owe.
• 5:33
  It's
• 5:34
  what
• 5:34
  your
• 5:34
  debt
• 5:34
  tries
• 5:34
  to
• 5:35
  make
• 5:35
  you
• 5:35
  believe.
• 5:35
  It
• 5:36
  whispers
• 5:36
  things
• 5:36
  like
• 5:37
  this.
• 5:37
  You'll
• 5:38
  never
• 5:38
  catch
• 5:38
  up.
• 5:39
  You've
• 5:40
  ruined
• 5:40
  everything.
• 5:42
  You're
• 5:42
  a
• 5:42
  terrible,
• 5:42
  bad
• 5:43
  steward.
• 5:44
  You're
• 5:45
  behind
• 5:45
  everybody
• 5:46
  else,
• 5:47
  and
• 5:47
  you
• 5:47
  don't
• 5:47
  deserve
• 5:48
  peace
• 5:48
  yet.
• 5:49
  And
• 5:49
  I
• 5:50
  want
• 5:50
  you
• 5:50
  to
• 5:50
  understand
• 5:50
  something.
• 5:51
  That
• 5:51
  voice
• 5:51
  is
• 5:52
  not
• 5:52
  from
• 5:52
  God,
• 5:53
  because
• 5:53
  shame
• 5:53
  is
• 5:54
  a
• 5:54
  liar.
• 5:54
  But
• 5:54
  conviction
• 5:55
  leads
• 5:55
  to
• 5:55
  change.
• 5:56
  Shame
• 5:56
  leads
• 5:57
  to
• 5:57
  hiding.
• 5:58
  So
• 5:58
  here's
• 5:58
  the
• 5:58
  first
• 5:59
  breakthrough.
• 6:00
  Freedom
• 6:00
  begins
• 6:00
  when
• 6:00
  you
• 6:01
  stop
• 6:01
  letting
• 6:01
  debt
• 6:02
  name
• 6:02
  you.
• 6:04
  See,
• 6:04
  debt
• 6:05
  is
• 6:05
  a
• 6:05
  tool,
• 6:05
  but
• 6:06
  it
• 6:06
  makes
• 6:06
  a
• 6:06
  terrible
• 6:07
  lord.
• 6:08
  Debt
• 6:08
  can
• 6:08
  be
• 6:09
  a
• 6:09
  tool.
• 6:09
  It
• 6:09
  can
• 6:09
  be
• 6:09
  a
• 6:09
  very
• 6:10
  powerful
• 6:10
  tool,
• 6:11
  but
• 6:11
  it
• 6:12
  cannot
• 6:12
  be
• 6:12
  your
• 6:12
  master.
• 6:14
  A
• 6:14
  master
• 6:14
  demands,
• 6:15
  but
• 6:15
  a
• 6:15
  tool
• 6:16
  serves.
• 6:17
  So
• 6:17
  the
• 6:17
  question
• 6:17
  is,
• 6:18
  is
• 6:18
  your
• 6:18
  debt
• 6:18
  something
• 6:19
  you're
• 6:19
  managing
• 6:20
  or
• 6:20
  something
• 6:20
  that's
• 6:21
  managing
• 6:21
  you?
• 6:21
  That
• 6:22
  one
• 6:22
  hurts,
• 6:22
  doesn't
• 6:22
  it?
• 6:23
  Because
• 6:24
  if
• 6:24
  every
• 6:24
  decision
• 6:24
  you
• 6:25
  make
• 6:25
  is
• 6:25
  driven
• 6:25
  by
• 6:26
  fear,
• 6:28
  that's
• 6:28
  not
• 6:28
  stewardship.
• 6:29
  That's
• 6:30
  bondage.
• 6:31
  And
• 6:31
  God
• 6:31
  didn't
• 6:32
  save
• 6:32
  you
• 6:32
  to
• 6:32
  live
• 6:32
  controlled
• 6:33
  by
• 6:33
  panic.
• 6:34
  But
• 6:35
  Christ
• 6:35
  offers
• 6:36
  freedom
• 6:36
  that
• 6:36
  starts
• 6:36
  right
• 6:37
  at
• 6:37
  this
• 6:37
  moment.
• 6:38
  This
• 6:38
  is
• 6:38
  the
• 6:39
  heart
• 6:39
  of
• 6:39
  it
• 6:39
  look
• 6:40
  at
• 6:40
  John
• 6:40
  8:36.
• 6:41
  So
• 6:42
  if
• 6:42
  the
• 6:42
  sun
• 6:42
  sets
• 6:42
  you
• 6:43
  free,
• 6:43
  you
• 6:43
  will
• 6:44
  be
• 6:44
  free
• 6:44
  indeed.
• 6:46
  Notice
• 6:46
  what
• 6:46
  Jesus
• 6:47
  does
• 6:47
  not
• 6:48
  say.
• 6:48
  He
• 6:49
  doesn't
• 6:49
  say,
• 6:49
  if
• 6:50
  the
• 6:50
  balance
• 6:50
  hits
• 6:50
  zero,
• 6:51
  then
• 6:51
  you'll
• 6:51
  be
• 6:51
  free
• 6:52
  indeed.
• 6:52
  No,
• 6:52
  that's
• 6:52
  not
• 6:52
  what
• 6:53
  he
• 6:53
  says.
• 6:53
  He
• 6:53
  says
• 6:53
  he
• 6:53
  offers
• 6:54
  freedom
• 6:54
  in
• 6:54
  the
• 6:54
  middle
• 6:55
  of
• 6:55
  the
• 6:55
  mess.
• 6:56
  Freedom
• 6:57
  that
• 6:57
  says
• 6:57
  you
• 6:57
  are
• 6:58
  mine,
• 6:59
  freedom
• 6:59
  that
• 6:59
  says
• 6:59
  you
• 7:00
  are
• 7:00
  not
• 7:00
  condemned,
• 7:01
  freedom
• 7:01
  that
• 7:02
  says
• 7:02
  you
• 7:02
  are
• 7:02
  not
• 7:02
  disqualified,
• 7:04
  and
• 7:04
  freedom
• 7:04
  that
• 7:04
  says
• 7:05
  you
• 7:05
  are
• 7:05
  not
• 7:05
  alone
• 7:06
  in
• 7:06
  this.
• 7:08
  Dead
• 7:08
  may
• 7:08
  be
• 7:08
  part
• 7:09
  of
• 7:09
  your
• 7:09
  story,
• 7:10
  but
• 7:10
  it's
• 7:10
  not
• 7:10
  your
• 7:11
  identity.
• 7:13
  And
• 7:13
  that
• 7:13
  peace
• 7:13
  is
• 7:14
  a
• 7:14
  weapon
• 7:14
  against
• 7:15
  bad
• 7:15
  decisions.
• 7:16
  Let
• 7:16
  me
• 7:16
  say
• 7:16
  this
• 7:16
  gently.
• 7:18
  A
• 7:18
  panicked
• 7:19
  heart
• 7:20
  makes
• 7:20
  expensive
• 7:20
  choices.
• 7:22
  I've
• 7:22
  made
• 7:23
  those
• 7:23
  expensive
• 7:24
  choices
• 7:24
  myself,
• 7:26
  See,
• 7:26
  because
• 7:26
  fear
• 7:27
  rushes
• 7:27
  us
• 7:27
  to
• 7:28
  do
• 7:28
  things.
• 7:28
  Fear
• 7:29
  hides.
• 7:30
  Fear
• 7:30
  swipes
• 7:31
  that
• 7:31
  card
• 7:31
  again
• 7:32
  and
• 7:32
  fear
• 7:32
  grabs
• 7:33
  the
• 7:33
  quick
• 7:33
  fix.
• 7:34
  That's
• 7:35
  what
• 7:35
  fear
• 7:35
  does.
• 7:36
  But
• 7:36
  peace
• 7:36
  slows
• 7:37
  you
• 7:37
  down.
• 7:37
  Peace
• 7:38
  helps
• 7:38
  you
• 7:38
  tell
• 7:39
  the
• 7:39
  truth.
• 7:40
  Peace
• 7:40
  helps
• 7:40
  you
• 7:41
  make
• 7:41
  a
• 7:41
  plan.
• 7:41
  Peace
• 7:42
  helps
• 7:42
  you
• 7:42
  stay
• 7:43
  consistent.
• 7:43
  Look
• 7:44
  at
• 7:44
  Philippians
• 7:44
  4,
• 7:45
  6,
• 7:45
  7.
• 7:46
  It
• 7:46
  says,
• 7:47
  do
• 7:47
  not
• 7:47
  be
• 7:47
  anxious
• 7:48
  about
• 7:48
  anything.
• 7:49
  But
• 7:49
  in
• 7:49
  every
• 7:50
  situation,
• 7:50
  by
• 7:51
  prayer
• 7:51
  petition,
• 7:52
  with
• 7:52
  thanksgiving,
• 7:52
  present
• 7:53
  your
• 7:53
  request
• 7:53
  to
• 7:54
  God.
• 7:54
  And
• 7:54
  the
• 7:54
  peace
• 7:55
  of
• 7:55
  God
• 7:56
  will
• 7:56
  guard
• 7:57
  your
• 7:57
  hearts
• 7:57
  and
• 7:57
  your
• 7:58
  minds.
• 7:58
  In
• 7:58
  Christ
• 7:59
  Jesus.
• 8:00
  Debt
• 8:01
  wants
• 8:01
  your
• 8:01
  mind
• 8:01
  racing.
• 8:03
  God
• 8:03
  offers
• 8:04
  a
• 8:04
  guard.
• 8:05
  But
• 8:06
  that
• 8:06
  freedom
• 8:06
  will
• 8:06
  grow
• 8:07
  through
• 8:07
  honesty
• 8:08
  and
• 8:08
  some
• 8:08
  simple
• 8:08
  steps.
• 8:09
  And
• 8:09
  this
• 8:09
  part
• 8:09
  matters.
• 8:10
  Freedom
• 8:10
  is
• 8:10
  not
• 8:11
  some
• 8:11
  vibe.
• 8:11
  It's
• 8:12
  not
• 8:12
  some
• 8:12
  feeling.
• 8:13
  Freedom
• 8:13
  is
• 8:14
  built.
• 8:15
  Hear
• 8:15
  me
• 8:15
  on
• 8:15
  that.
• 8:16
  It's
• 8:16
  built.
• 8:16
  And
• 8:17
  it's
• 8:17
  built
• 8:17
  with
• 8:17
  truth.
• 8:18
  It's
• 8:18
  built
• 8:19
  with
• 8:19
  small
• 8:19
  steps.
• 8:20
  It's
• 8:20
  built
• 8:20
  with
• 8:21
  consistency.
• 8:22
  And
• 8:22
  yes,
• 8:22
  it's
• 8:23
  built
• 8:23
  with
• 8:23
  community.
• 8:24
  So
• 8:24
  here's
• 8:25
  what
• 8:25
  that
• 8:25
  can
• 8:25
  look
• 8:25
  like.
• 8:26
  Number
• 8:26
  one
• 8:26
  thing,
• 8:26
  name
• 8:27
  it.
• 8:27
  What
• 8:27
  do
• 8:27
  you
• 8:28
  actually
• 8:28
  owe?
• 8:29
  Number
• 8:29
  two,
• 8:30
  face
• 8:30
  it.
• 8:30
  Not
• 8:31
  with
• 8:31
  shame,
• 8:31
  but
• 8:32
  with
• 8:32
  clarity.
• 8:33
  And
• 8:33
  number
• 8:34
  three,
• 8:34
  plan
• 8:34
  it
• 8:35
  just
• 8:35
  one
• 8:36
  simple
• 8:36
  next
• 8:36
  step.
• 8:37
  It
• 8:37
  doesn't
• 8:38
  have
• 8:38
  to
• 8:38
  be
• 8:38
  a
• 8:38
  perfect
• 8:38
  plan.
• 8:39
  It
• 8:39
  just
• 8:39
  needs
• 8:39
  to
• 8:40
  be
• 8:40
  a
• 8:40
  doable
• 8:40
  plan.
• 8:41
  And
• 8:41
  number
• 8:41
  four,
• 8:42
  repeat
• 8:43
  it.
• 8:43
  Because
• 8:44
  freedom
• 8:44
  isn't
• 8:45
  one
• 8:45
  decision.
• 8:46
  It's
• 8:46
  a
• 8:46
  bunch
• 8:46
  of
• 8:47
  new
• 8:47
  decisions
• 8:47
  that's
• 8:47
  taking
• 8:48
  you
• 8:48
  in
• 8:48
  a
• 8:48
  new
• 8:48
  direction.
• 8:50
  Well,
• 8:50
  let's
• 8:50
  make
• 8:50
  this
• 8:51
  practical.
• 8:52
  Right
• 8:52
  after
• 8:52
  this
• 8:52
  episode,
• 8:53
  I
• 8:53
  want
• 8:53
  you
• 8:53
  to
• 8:53
  take
• 8:53
  60
• 8:54
  seconds,
• 8:54
  just
• 8:54
  one
• 8:55
  minute,
• 8:55
  and
• 8:55
  here's
• 8:55
  what
• 8:56
  I
• 8:56
  want
• 8:56
  you
• 8:56
  to
• 8:56
  do.
• 8:56
  I
• 8:57
  want
• 8:57
  you
• 8:57
  to
• 8:57
  write
• 8:57
  down
• 8:57
  the
• 8:58
  top
• 8:58
  three
• 8:58
  debts,
• 8:59
  just
• 8:59
  the
• 8:59
  names
• 8:59
  of
• 9:00
  them.
• 9:00
  And
• 9:00
  next
• 9:00
  to
• 9:00
  each
• 9:01
  one
• 9:01
  of
• 9:01
  them,
• 9:01
  I
• 9:01
  want
• 9:02
  you
• 9:02
  to
• 9:02
  write
• 9:02
  one
• 9:02
  word
• 9:03
  of
• 9:03
  how
• 9:03
  it
• 9:03
  makes
• 9:04
  you
• 9:04
  feel.
• 9:05
  Does
• 9:05
  it
• 9:06
  make
• 9:06
  you
• 9:06
  feel
• 9:06
  fear?
• 9:07
  Does
• 9:07
  it
• 9:08
  make
• 9:08
  you
• 9:08
  feel
• 9:08
  embarrassed?
• 9:09
  Does
• 9:09
  it
• 9:10
  make
• 9:10
  you
• 9:10
  feel
• 9:10
  tired?
• 9:11
  Does
• 9:11
  it
• 9:11
  make
• 9:11
  you
• 9:12
  feel
• 9:12
  stuck?
• 9:12
  So
• 9:12
  the
• 9:13
  name
• 9:13
  of
• 9:13
  the
• 9:13
  debt,
• 9:14
  and
• 9:14
  how
• 9:14
  does
• 9:14
  it
• 9:14
  make
• 9:14
  you
• 9:14
  feel?
• 9:15
  And
• 9:15
  then
• 9:15
  I
• 9:15
  want
• 9:15
  you
• 9:15
  to
• 9:16
  pray
• 9:16
  one
• 9:16
  sentence.
• 9:18
  Jesus,
• 9:19
  meet
• 9:19
  me
• 9:19
  here.
• 9:20
  That's
• 9:21
  it.
• 9:21
  Just
• 9:22
  Jesus,
• 9:22
  meet
• 9:23
  me
• 9:23
  here
• 9:23
  because
• 9:24
  you're
• 9:24
  breaking
• 9:24
  the
• 9:24
  pattern
• 9:25
  of
• 9:25
  silent
• 9:25
  suffering
• 9:26
  and
• 9:26
  you're
• 9:26
  bringing
• 9:27
  it
• 9:27
  into
• 9:27
  the
• 9:27
  light.
• 9:28
  And
• 9:28
  freedom
• 9:28
  loves
• 9:29
  the
• 9:29
  light.
• 9:30
  How
• 9:31
  about
• 9:31
  we
• 9:31
  pray
• 9:31
  together?
• 9:32
  Lord,
• 9:33
  thank
• 9:33
  you
• 9:33
  that
• 9:33
  you
• 9:34
  are
• 9:34
  near.
• 9:34
  In
• 9:34
  our
• 9:35
  lives,
• 9:36
  some
• 9:36
  of
• 9:36
  us
• 9:36
  feel
• 9:36
  overwhelmed.
• 9:38
  Some
• 9:38
  of
• 9:38
  us
• 9:38
  feel
• 9:38
  ashamed.
• 9:39
  Some
• 9:39
  of
• 9:40
  us
• 9:40
  feel
• 9:40
  trapped.
• 9:41
  But
• 9:41
  your
• 9:42
  word
• 9:42
  says
• 9:42
  that
• 9:42
  in
• 9:43
  Christ
• 9:43
  we
• 9:43
  are
• 9:43
  free.
• 9:44
  So
• 9:45
  today,
• 9:45
  meet
• 9:45
  us
• 9:45
  in
• 9:46
  the
• 9:46
  pressure.
• 9:46
  Replace
• 9:47
  panic
• 9:47
  with
• 9:48
  peace.
• 9:48
  Replace
• 9:49
  shame
• 9:49
  with
• 9:49
  wisdom
• 9:50
  and
• 9:50
  replace
• 9:50
  isolation
• 9:51
  with
• 9:51
  support.
• 9:53
  Ask
• 9:53
  that
• 9:53
  you
• 9:53
  would
• 9:53
  give
• 9:54
  us
• 9:54
  courage
• 9:54
  to
• 9:54
  face
• 9:55
  what's
• 9:55
  real
• 9:56
  and
• 9:56
  strength
• 9:56
  to
• 9:57
  take
• 9:57
  the
• 9:57
  next
• 9:57
  step.
• 9:58
  We
• 9:59
  trust
• 9:59
  you
• 9:59
  for
• 9:59
  provision,
• 10:00
  Lord.
• 10:00
  We
• 10:01
  trust
• 10:01
  you
• 10:01
  for
• 10:01
  guidance
• 10:02
  and
• 10:02
  we
• 10:02
  trust
• 10:03
  you
• 10:03
  for
• 10:03
  our
• 10:03
  daily
• 10:04
  bread.
• 10:04
  And
• 10:04
  we
• 10:04
  ask
• 10:04
  this
• 10:05
  in
• 10:05
  Jesus
• 10:05
  name,
• 10:07
  Amen.
• 10:08
  So
• 10:08
  here's
• 10:08
  your
• 10:08
  action
• 10:09
  step
• 10:09
  Today.
• 10:10
  I
• 10:10
  want
• 10:10
  you
• 10:11
  to
• 10:11
  pray
• 10:11
  over
• 10:11
  your
• 10:11
  debts
• 10:12
  by
• 10:12
  name.
• 10:13
  Not
• 10:13
  in
• 10:13
  fear,
• 10:14
  but
• 10:14
  in
• 10:14
  faith.
• 10:15
  And
• 10:15
  then
• 10:15
  take
• 10:16
  one
• 10:16
  small
• 10:16
  step
• 10:16
  that
• 10:17
  matches
• 10:17
  your
• 10:17
  prayer.
• 10:18
  Maybe
• 10:18
  it's
• 10:18
  a
• 10:18
  phone
• 10:18
  call,
• 10:19
  maybe
• 10:19
  it's
• 10:19
  that
• 10:19
  one
• 10:20
  budget
• 10:20
  line.
• 10:20
  Maybe
• 10:21
  it's
• 10:21
  that
• 10:21
  boundary
• 10:22
  making
• 10:22
  that
• 10:22
  automatic
• 10:23
  payment.
• 10:23
  Or
• 10:23
  it's
• 10:24
  that
• 10:24
  one
• 10:24
  conversation.
• 10:26
  Because
• 10:26
  I
• 10:26
  want
• 10:26
  you
• 10:26
  to
• 10:27
  hear
• 10:27
  this
• 10:27
  and
• 10:27
  I
• 10:27
  want
• 10:27
  you
• 10:27
  to
• 10:27
  hear
• 10:28
  this
• 10:28
  loud
• 10:28
  and
• 10:28
  clear.
• 10:28
  Small
• 10:29
  steps
• 10:29
  bring
• 10:30
  big
• 10:30
  freedom,
• 10:31
  big
• 10:32
  friend.
• 10:33
  Freedom
• 10:33
  grows
• 10:34
  in
• 10:34
  safe
• 10:34
  places.
• 10:36
  And
• 10:36
  you
• 10:36
  don't
• 10:36
  have
• 10:36
  to
• 10:36
  carry
• 10:37
  this
• 10:37
  alone.
• 10:37
  Inside
• 10:38
  the
• 10:38
  financially
• 10:38
  confident
• 10:39
  community,
• 10:39
  people
• 10:39
  say
• 10:40
  things
• 10:40
  like,
• 10:40
  this
• 10:40
  is
• 10:41
  where
• 10:41
  I
• 10:41
  stop
• 10:41
  letting
• 10:41
  debt
• 10:42
  define
• 10:42
  me.
• 10:43
  If
• 10:44
  you
• 10:44
  need
• 10:44
  encouragement,
• 10:45
  if
• 10:45
  you
• 10:45
  need
• 10:45
  accountability
• 10:46
  and
• 10:46
  you
• 10:47
  need
• 10:47
  to
• 10:47
  be
• 10:47
  around
• 10:47
  people
• 10:47
  who
• 10:48
  get
• 10:48
  it,
• 10:48
  come
• 10:48
  join
• 10:48
  us.
• 10:49
  Come
• 10:49
  to
• 10:49
  financiallyconfidentchristian.com/join
• 10:53
  again.
• 10:53
  That's
• 10:53
  financiallyconfidentchristian.com/Join.
• 10:57
  Let
• 10:57
  me
• 10:57
  leave
• 10:57
  you
• 10:58
  with
• 10:58
  this.
• 10:59
  You
• 10:59
  are
• 10:59
  not
• 11:00
  owned
• 11:00
  by
• 11:00
  your
• 11:00
  debt.
• 11:01
  You
• 11:01
  are
• 11:02
  not
• 11:02
  behind
• 11:02
  God's
• 11:03
  timing,
• 11:03
  and
• 11:03
  you
• 11:04
  are
• 11:04
  not
• 11:04
  walking
• 11:04
  alone.
• 11:05
  Freedom
• 11:05
  is
• 11:06
  not
• 11:06
  a
• 11:06
  finish
• 11:06
  line.
• 11:07
  Freedom
• 11:07
  is
• 11:07
  a
• 11:07
  way
• 11:08
  of
• 11:08
  walking
• 11:08
  with
• 11:08
  Jesus,
• 11:09
  one
• 11:09
  faithful
• 11:10
  step
• 11:10
  at
• 11:10
  a
• 11:10
  time.
• 11:10
  So
• 11:11
  today,
• 11:11
  be
• 11:11
  that
• 11:12
  financially
• 11:12
  confident
• 11:13
  Christian
• 11:13
  that
• 11:13
  I
• 11:13
  know
• 11:13
  you
• 11:14
  can
• 11:14
  be.
• 11:14
  Take
• 11:14
  that
• 11:15
  faithful
• 11:15
  one
• 11:15
  step
• 11:16
  at
• 11:16
  a
• 11:16
  time.
• 11:16
  Because
• 11:16
  you
• 11:16
  can
• 11:16
  do
• 11:17
  this.
• 11:17
  Stay
• 11:18
  financially
• 11:18
  savvy.
• 11:19
  God
• 11:19
  bless
• 11:19
  you
• 11:20
  and
• 11:20
  you
• 11:20
  have
• 11:20
  a
• 11:20
  great
• 11:20
  day
• 11:21
  today.