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Why Are Money Talks So Awkward (and Stressful) with My Family? · Becoming Financially Confident

• 0:38
  You
• 0:38
  love
• 0:39
  your
• 0:39
  family,
• 0:40
  you
• 0:40
  share
• 0:40
  everything
• 0:41
  with
• 0:41
  your
• 0:41
  family.
• 0:42
  But
• 0:42
  when
• 0:43
  it
• 0:43
  comes
• 0:43
  to
• 0:43
  money,
• 0:43
  well,
• 0:44
  that
• 0:44
  gets
• 0:44
  awkward,
• 0:45
  Ralph.
• 0:45
  That
• 0:45
  gets
• 0:45
  stressful.
• 0:46
  And
• 0:46
  for
• 0:46
  many
• 0:47
  families
• 0:47
  it
• 0:47
  ends
• 0:48
  up
• 0:48
  in
• 0:48
  a
• 0:48
  fight.
• 0:49
  Let
• 0:50
  me
• 0:50
  ask
• 0:50
  you
• 0:50
  this,
• 0:51
  what
• 0:51
  if
• 0:51
  those
• 0:52
  conversations
• 0:52
  could
• 0:52
  actually
• 0:53
  bring
• 0:53
  peace
• 0:54
  instead
• 0:54
  of
• 0:54
  tension?
• 0:55
  Let's
• 0:56
  talk
• 0:56
  about
• 0:56
  how
• 0:56
  money
• 0:57
  talks
• 0:57
  can
• 0:57
  create
• 0:58
  unity
• 0:58
  instead
• 0:59
  of
• 0:59
  conflict.
• 0:59
  That's
• 0:59
  what
• 1:00
  we'll
• 1:00
  talk
• 1:00
  about
• 1:00
  on
• 1:00
  today's
• 1:01
  show.
• 1:01
  It's
• 1:01
  going
• 1:01
  to
• 1:01
  be
• 1:01
  a
• 1:01
  great
• 1:02
  one.
• 1:04
  This
• 1:04
  is
• 1:04
  Financially
• 1:05
  Confident
• 1:05
  Christian,
• 1:06
  your
• 1:06
  daily
• 1:07
  dose
• 1:07
  of
• 1:07
  gospel,
• 1:08
  grounded
• 1:08
  insight
• 1:09
  and
• 1:09
  faith
• 1:09
  driven
• 1:10
  tips
• 1:10
  to
• 1:10
  help
• 1:10
  you
• 1:11
  break
• 1:11
  the
• 1:11
  cycle
• 1:11
  of
• 1:12
  financial
• 1:12
  shame
• 1:12
  with
• 1:13
  confidence.
• 1:15
  Welcome
• 1:16
  back
• 1:16
  to
• 1:16
  Financially
• 1:17
  Confident
• 1:17
  Christian.
• 1:18
  I'm
• 1:18
  Ralph
• 1:18
  and
• 1:18
  I'm
• 1:18
  so
• 1:19
  happy
• 1:19
  that
• 1:19
  you've
• 1:19
  chosen
• 1:20
  to
• 1:20
  join
• 1:20
  me
• 1:20
  again
• 1:20
  today.
• 1:21
  If
• 1:21
  this
• 1:21
  is
• 1:21
  your
• 1:22
  first
• 1:22
  time
• 1:22
  visiting
• 1:22
  the
• 1:23
  show,
• 1:23
  this
• 1:23
  is
• 1:23
  the
• 1:24
  show
• 1:24
  where
• 1:24
  we
• 1:24
  answer
• 1:24
  that
• 1:25
  big
• 1:25
  question,
• 1:25
  how
• 1:26
  do
• 1:26
  we
• 1:26
  become
• 1:27
  a
• 1:27
  financially
• 1:27
  confident
• 1:28
  Christian?
• 1:28
  And
• 1:29
  we're
• 1:29
  in
• 1:29
  our
• 1:29
  series,
• 1:29
  Breaking
• 1:30
  Financial
• 1:31
  chains.
• 1:31
  We
• 1:31
  do
• 1:31
  30
• 1:32
  day
• 1:32
  series
• 1:32
  right
• 1:33
  now
• 1:33
  on
• 1:33
  how
• 1:33
  to
• 1:33
  break
• 1:34
  free
• 1:34
  of
• 1:34
  those
• 1:35
  financial
• 1:35
  chains.
• 1:35
  And
• 1:36
  yesterday
• 1:36
  we,
• 1:36
  we
• 1:37
  talked
• 1:37
  about
• 1:37
  breaking
• 1:37
  free
• 1:38
  from
• 1:38
  those
• 1:38
  advertising
• 1:39
  pressures,
• 1:40
  those
• 1:40
  constant
• 1:41
  social
• 1:41
  media
• 1:42
  things
• 1:42
  that
• 1:42
  are
• 1:42
  bombarding
• 1:43
  us
• 1:43
  from
• 1:43
  all
• 1:43
  directions.
• 1:44
  So
• 1:44
  if
• 1:44
  you
• 1:44
  missed
• 1:44
  it,
• 1:44
  I'm
• 1:45
  going
• 1:45
  to
• 1:45
  encourage
• 1:45
  you
• 1:45
  to
• 1:45
  check
• 1:46
  it
• 1:46
  out.
• 1:46
  You
• 1:46
  can
• 1:46
  find
• 1:46
  all
• 1:46
  of
• 1:46
  our
• 1:47
  shows@financially
• 1:49
  confidentchristian.com
• 1:50
  but
• 1:50
  today
• 1:51
  we're
• 1:51
  going
• 1:51
  to
• 1:51
  talk
• 1:51
  about
• 1:51
  the
• 1:52
  family.
• 1:52
  Why
• 1:53
  money
• 1:53
  talks
• 1:53
  are
• 1:54
  so
• 1:54
  awkward
• 1:54
  and
• 1:55
  sometimes
• 1:55
  they
• 1:56
  end
• 1:56
  up
• 1:56
  in
• 1:56
  a
• 1:56
  full
• 1:57
  blown
• 1:57
  fight.
• 1:58
  But
• 1:58
  today
• 1:58
  I
• 1:59
  want
• 1:59
  to
• 1:59
  really
• 1:59
  talk
• 1:59
  to
• 1:59
  you
• 1:59
  about
• 2:00
  how
• 2:00
  to
• 2:00
  make
• 2:00
  them
• 2:00
  healthy.
• 2:01
  Because
• 2:01
  if
• 2:01
  we
• 2:01
  want
• 2:01
  to
• 2:02
  grow
• 2:02
  our
• 2:02
  families,
• 2:03
  one
• 2:03
  of
• 2:03
  the
• 2:04
  things
• 2:04
  we've
• 2:04
  really
• 2:04
  got
• 2:04
  to
• 2:05
  do
• 2:05
  is
• 2:05
  we've
• 2:06
  got
• 2:06
  to
• 2:06
  grow
• 2:06
  these
• 2:07
  financial
• 2:07
  conversations.
• 2:09
  I
• 2:09
  don't
• 2:09
  know
• 2:09
  how
• 2:10
  many
• 2:10
  times
• 2:10
  I've
• 2:10
  met
• 2:11
  with
• 2:11
  couples
• 2:11
  and
• 2:12
  that
• 2:12
  idea
• 2:12
  of
• 2:13
  talking
• 2:13
  with
• 2:13
  their
• 2:13
  spouse
• 2:14
  about
• 2:14
  a
• 2:14
  budget
• 2:15
  usually
• 2:15
  ends
• 2:15
  up
• 2:16
  in
• 2:16
  an
• 2:16
  argument
• 2:16
  or
• 2:16
  a
• 2:17
  shutdown
• 2:17
  completely.
• 2:18
  We're
• 2:18
  in
• 2:18
  different
• 2:18
  sides
• 2:19
  of
• 2:19
  the
• 2:19
  house.
• 2:20
  One
• 2:21
  person
• 2:21
  is
• 2:21
  like,
• 2:21
  Ralph,
• 2:22
  I'm
• 2:22
  really
• 2:22
  trying
• 2:23
  hard
• 2:23
  to
• 2:23
  get
• 2:23
  our
• 2:24
  affairs
• 2:24
  in
• 2:24
  order.
• 2:24
  And
• 2:25
  my
• 2:25
  husband
• 2:25
  or
• 2:25
  my
• 2:25
  wife,
• 2:25
  they
• 2:26
  just
• 2:26
  don't
• 2:26
  get
• 2:26
  it.
• 2:26
  They
• 2:26
  just
• 2:27
  keep
• 2:27
  on
• 2:27
  spending.
• 2:28
  They
• 2:28
  don't
• 2:28
  get
• 2:29
  that
• 2:29
  we
• 2:29
  can't
• 2:30
  continue
• 2:30
  to
• 2:30
  run
• 2:30
  into
• 2:30
  debt.
• 2:31
  And
• 2:32
  for
• 2:32
  so
• 2:32
  many
• 2:33
  families,
• 2:33
  we
• 2:33
  just
• 2:34
  avoid
• 2:34
  the
• 2:34
  topic
• 2:34
  altogether.
• 2:36
  And
• 2:36
  the
• 2:36
  problem
• 2:36
  with
• 2:37
  it,
• 2:37
  this,
• 2:37
  it
• 2:37
  breeds
• 2:38
  a
• 2:38
  problem,
• 2:38
  especially
• 2:38
  with
• 2:39
  our
• 2:39
  kids.
• 2:40
  So
• 2:40
  many
• 2:40
  families
• 2:41
  that
• 2:41
  I
• 2:41
  work
• 2:41
  with,
• 2:41
  they
• 2:41
  don't
• 2:41
  talk
• 2:42
  to
• 2:42
  the
• 2:42
  kids
• 2:42
  about
• 2:42
  money.
• 2:42
  And
• 2:43
  then
• 2:43
  they
• 2:43
  wonder
• 2:43
  when
• 2:43
  the
• 2:43
  kids
• 2:44
  get
• 2:44
  older,
• 2:44
  how
• 2:45
  come
• 2:45
  the
• 2:45
  kids
• 2:45
  don't
• 2:45
  understand
• 2:46
  how
• 2:46
  to
• 2:46
  manage
• 2:47
  their
• 2:47
  money?
• 2:47
  Well,
• 2:48
  for
• 2:49
  so
• 2:49
  many
• 2:49
  families
• 2:49
  it's,
• 2:50
  oh,
• 2:50
  that's
• 2:50
  a
• 2:50
  boring
• 2:50
  talk.
• 2:51
  We
• 2:51
  don't
• 2:51
  want
• 2:51
  to
• 2:51
  bore
• 2:51
  our
• 2:51
  kids
• 2:52
  with
• 2:52
  that.
• 2:52
  Or
• 2:52
  maybe
• 2:52
  for
• 2:53
  so
• 2:53
  many
• 2:54
  And
• 2:54
  I
• 2:54
  work
• 2:54
  with
• 2:55
  so
• 2:55
  many
• 2:55
  families
• 2:56
  that
• 2:56
  it's
• 2:56
  just
• 2:56
  so
• 2:56
  overwhelming.
• 2:57
  They're
• 2:58
  in
• 2:58
  this
• 2:58
  constant
• 2:59
  financial
• 2:59
  anxiety.
• 3:00
  They're
• 3:00
  in
• 3:00
  this
• 3:01
  constant
• 3:01
  financial
• 3:02
  struggle.
• 3:02
  They
• 3:02
  don't
• 3:03
  want
• 3:03
  to
• 3:03
  talk
• 3:03
  about
• 3:03
  it
• 3:04
  because
• 3:04
  it
• 3:05
  just
• 3:05
  brings
• 3:05
  up
• 3:05
  pain,
• 3:06
  it
• 3:06
  brings
• 3:06
  up
• 3:07
  fear,
• 3:07
  it
• 3:07
  brings
• 3:07
  up
• 3:08
  anxiety.
• 3:09
  But
• 3:10
  the
• 3:10
  problem,
• 3:10
  and
• 3:10
  this
• 3:10
  is
• 3:11
  really
• 3:11
  the
• 3:11
  big
• 3:11
  problem,
• 3:12
  this
• 3:12
  avoidance,
• 3:13
  we
• 3:14
  don't
• 3:14
  talk
• 3:14
  about
• 3:14
  these
• 3:15
  things.
• 3:16
  It
• 3:16
  creates
• 3:16
  silence.
• 3:18
  And
• 3:18
  that
• 3:18
  silence,
• 3:20
  it
• 3:20
  creates
• 3:20
  all
• 3:20
  kinds
• 3:21
  of
• 3:21
  misunderstanding.
• 3:22
  I
• 3:23
  want
• 3:23
  to
• 3:23
  start
• 3:23
  with
• 3:23
  something
• 3:24
  bold
• 3:24
  today.
• 3:25
  I've
• 3:25
  said
• 3:25
  this
• 3:25
  on
• 3:25
  the
• 3:26
  show
• 3:26
  many
• 3:26
  times.
• 3:27
  Money
• 3:27
  is
• 3:28
  a
• 3:28
  tool.
• 3:29
  If
• 3:29
  it's
• 3:29
  used
• 3:30
  wisely,
• 3:30
  it's
• 3:30
  a
• 3:30
  beautiful
• 3:31
  tool.
• 3:31
  It's
• 3:31
  like
• 3:31
  a
• 3:32
  carpenter's
• 3:32
  hammer.
• 3:33
  When
• 3:33
  the
• 3:33
  carpenter
• 3:34
  uses
• 3:34
  the
• 3:34
  hammer
• 3:35
  in
• 3:35
  the
• 3:35
  right
• 3:35
  way
• 3:35
  to
• 3:36
  build
• 3:36
  stuff.
• 3:36
  Carpenter
• 3:37
  builds
• 3:37
  beautiful
• 3:38
  things.
• 3:39
  But
• 3:39
  here's
• 3:40
  the
• 3:40
  other
• 3:40
  problem
• 3:40
  with
• 3:40
  money.
• 3:41
  And
• 3:41
  for
• 3:42
  so
• 3:42
  many
• 3:42
  families,
• 3:42
  you
• 3:42
  might
• 3:43
  be
• 3:43
  listening
• 3:43
  right
• 3:43
  now.
• 3:43
  You're
• 3:44
  sitting
• 3:44
  at
• 3:44
  the
• 3:44
  kitchen
• 3:45
  table,
• 3:45
  or
• 3:45
  maybe
• 3:45
  you're
• 3:45
  on
• 3:45
  your
• 3:46
  way
• 3:46
  to
• 3:46
  work
• 3:46
  or
• 3:46
  you're
• 3:46
  out
• 3:47
  walking.
• 3:47
  Whatever
• 3:47
  it
• 3:47
  is
• 3:47
  you're
• 3:48
  doing,
• 3:49
  you
• 3:49
  think
• 3:49
  about
• 3:50
  money.
• 3:50
  And
• 3:51
  money
• 3:51
  brings
• 3:51
  out
• 3:51
  some
• 3:52
  fears,
• 3:53
  maybe
• 3:53
  for
• 3:53
  you
• 3:54
  and
• 3:54
  your
• 3:54
  family
• 3:54
  brings
• 3:55
  out
• 3:55
  wounds
• 3:55
  because
• 3:55
  you've
• 3:56
  been
• 3:56
  through
• 3:56
  tough
• 3:56
  times
• 3:57
  financially.
• 3:58
  Maybe
• 3:58
  you've
• 3:58
  had
• 3:59
  that
• 3:59
  bankruptcy,
• 4:00
  you've
• 4:00
  had
• 4:00
  that
• 4:00
  lost
• 4:01
  job,
• 4:01
  or
• 4:01
  you've
• 4:01
  had
• 4:02
  that
• 4:02
  debt
• 4:02
  that's
• 4:02
  been
• 4:02
  over
• 4:03
  your
• 4:03
  head
• 4:03
  for
• 4:03
  years.
• 4:05
  And
• 4:05
  for
• 4:05
  so
• 4:05
  many
• 4:06
  families,
• 4:07
  it
• 4:07
  really
• 4:08
  brings
• 4:08
  out
• 4:08
  a
• 4:09
  discussion
• 4:09
  about
• 4:09
  values.
• 4:10
  A
• 4:10
  lot
• 4:10
  of
• 4:10
  times
• 4:10
  people
• 4:11
  don't
• 4:11
  want
• 4:11
  to
• 4:11
  talk
• 4:11
  about
• 4:11
  values
• 4:12
  because
• 4:12
  husband
• 4:12
  and
• 4:12
  wives
• 4:13
  especially,
• 4:13
  I
• 4:13
  see
• 4:13
  this
• 4:14
  all
• 4:14
  the
• 4:14
  time.
• 4:15
  Maybe
• 4:15
  the
• 4:15
  husband
• 4:15
  was
• 4:16
  raised
• 4:16
  in
• 4:16
  a
• 4:16
  family
• 4:16
  where
• 4:17
  money
• 4:17
  wasn't
• 4:17
  so
• 4:18
  tight,
• 4:19
  there
• 4:19
  wasn't
• 4:19
  this
• 4:19
  constant
• 4:20
  anxiety.
• 4:21
  Or
• 4:21
  maybe
• 4:21
  the
• 4:21
  wife
• 4:21
  was
• 4:22
  raised
• 4:22
  in
• 4:22
  a
• 4:22
  place
• 4:22
  where,
• 4:23
  man,
• 4:23
  we
• 4:23
  barely
• 4:23
  got
• 4:24
  by
• 4:24
  Ralph.
• 4:25
  It's
• 4:26
  hard
• 4:26
  to
• 4:26
  have
• 4:26
  those
• 4:26
  discussions.
• 4:28
  And
• 4:28
  that's
• 4:28
  why
• 4:29
  these
• 4:29
  money
• 4:29
  talks
• 4:30
  become
• 4:30
  so
• 4:30
  emotional,
• 4:32
  because
• 4:32
  it
• 4:32
  exposes
• 4:33
  these
• 4:33
  fears,
• 4:33
  it
• 4:34
  exposes
• 4:34
  these
• 4:35
  wounds,
• 4:35
  and
• 4:35
  it
• 4:36
  makes
• 4:36
  us
• 4:36
  really
• 4:36
  address
• 4:37
  our
• 4:37
  values.
• 4:39
  And
• 4:39
  that's
• 4:39
  where
• 4:39
  we
• 4:39
  want
• 4:39
  to
• 4:40
  start
• 4:40
  today.
• 4:40
  Because
• 4:40
  God
• 4:41
  calls
• 4:41
  families
• 4:41
  to
• 4:42
  walk
• 4:42
  in
• 4:42
  unity.
• 4:42
  If
• 4:42
  you
• 4:43
  hear
• 4:43
  nothing
• 4:43
  else
• 4:43
  I
• 4:43
  talk
• 4:43
  about
• 4:44
  today,
• 4:44
  I
• 4:45
  want
• 4:45
  you
• 4:45
  to
• 4:45
  hear
• 4:45
  this.
• 4:46
  This
• 4:46
  show
• 4:46
  is
• 4:46
  all
• 4:46
  about
• 4:47
  bringing
• 4:47
  the
• 4:47
  world
• 4:48
  of
• 4:48
  faith
• 4:48
  and
• 4:49
  finance
• 4:49
  together.
• 4:50
  Because
• 4:50
  I
• 4:50
  truly
• 4:51
  believe
• 4:51
  with
• 4:51
  all
• 4:51
  of
• 4:51
  my
• 4:51
  heart,
• 4:52
  it's
• 4:52
  the
• 4:52
  reason
• 4:52
  I
• 4:52
  do
• 4:52
  this
• 4:53
  show
• 4:53
  every
• 4:53
  day.
• 4:54
  God
• 4:54
  wants
• 4:55
  us
• 4:55
  to
• 4:55
  be
• 4:56
  successful
• 4:56
  financially,
• 4:57
  and
• 4:58
  he
• 4:58
  especially
• 4:58
  wants
• 4:58
  our
• 4:59
  families
• 4:59
  to
• 4:59
  walk
• 4:59
  in
• 5:00
  unity.
• 5:00
  So
• 5:00
  let's
• 5:00
  rub
• 5:01
  right
• 5:01
  into
• 5:01
  the
• 5:01
  Bible.
• 5:02
  I
• 5:02
  found
• 5:02
  this
• 5:02
  one
• 5:02
  in
• 5:03
  the
• 5:03
  Book
• 5:03
  of
• 5:03
  Amos.
• 5:03
  I
• 5:03
  don't
• 5:03
  think
• 5:04
  I've
• 5:04
  ever
• 5:04
  quoted
• 5:04
  the
• 5:05
  Book
• 5:05
  of
• 5:05
  Amos
• 5:05
  on
• 5:05
  this
• 5:06
  show.
• 5:06
  This
• 5:06
  is
• 5:06
  Amos,
• 5:07
  chapter
• 5:07
  three,
• 5:08
  verse
• 5:08
  three.
• 5:08
  It
• 5:08
  says,
• 5:09
  do
• 5:10
  two
• 5:10
  walk
• 5:10
  together
• 5:11
  unless
• 5:11
  they
• 5:12
  have
• 5:12
  agreed
• 5:12
  to
• 5:12
  do
• 5:13
  so.
• 5:13
  It's
• 5:13
  more
• 5:13
  of
• 5:14
  a
• 5:14
  question,
• 5:15
  but
• 5:15
  you
• 5:15
  got
• 5:15
  to
• 5:15
  have
• 5:15
  an
• 5:16
  agreement
• 5:16
  to
• 5:16
  do
• 5:16
  that.
• 5:16
  And
• 5:16
  that's
• 5:17
  really
• 5:17
  what
• 5:17
  God
• 5:17
  is
• 5:17
  calling
• 5:17
  us
• 5:17
  to
• 5:18
  do.
• 5:18
  Let's
• 5:18
  look
• 5:18
  at
• 5:18
  the
• 5:18
  book
• 5:18
  of
• 5:19
  Proverbs,
• 5:19
  chapter
• 5:20
  15,
• 5:20
  verse
• 5:21
  22.
• 5:21
  And
• 5:22
  I've
• 5:22
  used
• 5:22
  this
• 5:22
  on
• 5:22
  the
• 5:22
  show
• 5:23
  many
• 5:23
  times.
• 5:24
  Plans
• 5:24
  fail
• 5:25
  for
• 5:25
  the
• 5:25
  lack
• 5:25
  of
• 5:25
  counsel,
• 5:26
  but
• 5:27
  with
• 5:27
  many
• 5:27
  advisors,
• 5:28
  they
• 5:28
  succeed.
• 5:29
  What's
• 5:29
  the
• 5:30
  scripture
• 5:30
  telling
• 5:30
  us?
• 5:31
  Have
• 5:31
  advisors
• 5:32
  talk.
• 5:33
  Have
• 5:33
  counsel
• 5:34
  together.
• 5:34
  Let's
• 5:34
  look
• 5:34
  at
• 5:35
  one
• 5:35
  more
• 5:35
  verse.
• 5:35
  This
• 5:35
  is
• 5:35
  the
• 5:36
  book
• 5:36
  of
• 5:36
  Ephesians,
• 5:37
  chapter
• 5:37
  4,
• 5:37
  verse
• 5:38
  29.
• 5:39
  And
• 5:39
  this
• 5:40
  one
• 5:40
  kind
• 5:40
  of
• 5:40
  nails
• 5:40
  it.
• 5:40
  If
• 5:41
  you
• 5:41
  really
• 5:41
  feel
• 5:41
  like
• 5:41
  every
• 5:42
  time
• 5:42
  you
• 5:42
  get
• 5:42
  into
• 5:42
  a
• 5:42
  family
• 5:43
  discussion
• 5:43
  about
• 5:43
  money,
• 5:44
  it
• 5:44
  gets
• 5:45
  ugly.
• 5:45
  Ralph,
• 5:45
  listen
• 5:46
  to
• 5:46
  this.
• 5:46
  Ephesians,
• 5:46
  chapter
• 5:47
  4,
• 5:47
  verse
• 5:48
  29.
• 5:49
  Do
• 5:49
  not
• 5:49
  let
• 5:49
  any
• 5:50
  unwholesome
• 5:50
  talk
• 5:51
  come
• 5:51
  out
• 5:51
  of
• 5:51
  your
• 5:51
  mouths,
• 5:52
  but
• 5:53
  only
• 5:53
  what
• 5:53
  is
• 5:53
  helpful
• 5:53
  for
• 5:54
  building
• 5:54
  others
• 5:54
  up
• 5:54
  according
• 5:55
  to
• 5:55
  their
• 5:55
  needs,
• 5:56
  that
• 5:56
  it
• 5:57
  may
• 5:57
  benefit
• 5:57
  those
• 5:58
  who
• 5:58
  listen.
• 5:59
  That's
• 6:00
  a
• 6:00
  tough
• 6:00
  one.
• 6:01
  You
• 6:01
  know,
• 6:01
  sometimes
• 6:02
  scripture
• 6:02
  is
• 6:02
  a
• 6:02
  little
• 6:02
  piercing.
• 6:03
  I
• 6:03
  know
• 6:03
  it
• 6:03
  is
• 6:03
  for
• 6:03
  me.
• 6:03
  You
• 6:03
  might
• 6:04
  be
• 6:04
  sitting
• 6:04
  there
• 6:04
  right
• 6:04
  now
• 6:05
  that,
• 6:05
  like,
• 6:05
  hit
• 6:06
  me
• 6:06
  over
• 6:06
  the
• 6:06
  head
• 6:06
  with
• 6:06
  a
• 6:06
  mallet.
• 6:07
  Don't
• 6:08
  let
• 6:08
  any
• 6:08
  unwholesome
• 6:09
  talk
• 6:09
  come
• 6:09
  out
• 6:09
  of
• 6:09
  your
• 6:09
  mouths.
• 6:11
  But
• 6:12
  what
• 6:12
  it
• 6:12
  is
• 6:12
  saying
• 6:12
  here
• 6:13
  is
• 6:13
  to
• 6:13
  help
• 6:13
  us
• 6:13
  to
• 6:13
  build
• 6:14
  each
• 6:14
  other
• 6:14
  up
• 6:15
  according
• 6:15
  to
• 6:16
  our
• 6:16
  needs.
• 6:17
  And
• 6:17
  see,
• 6:17
  that's
• 6:17
  what
• 6:17
  I'm
• 6:18
  talking
• 6:18
  about
• 6:18
  when
• 6:18
  I
• 6:18
  talk
• 6:18
  about
• 6:19
  having
• 6:19
  family
• 6:19
  discussions
• 6:20
  about
• 6:20
  money.
• 6:21
  It's
• 6:21
  all
• 6:21
  about
• 6:22
  building
• 6:22
  an
• 6:22
  agreement.
• 6:23
  It's
• 6:23
  all
• 6:23
  about
• 6:23
  finding
• 6:24
  wise
• 6:24
  counsel
• 6:25
  between
• 6:25
  each
• 6:25
  other
• 6:26
  and
• 6:26
  lifting
• 6:27
  and
• 6:27
  uplifting
• 6:28
  ourselves
• 6:28
  with
• 6:29
  God's
• 6:29
  word
• 6:30
  and
• 6:30
  making
• 6:30
  a
• 6:31
  blueprint
• 6:31
  for
• 6:31
  our
• 6:32
  family.
• 6:32
  Money
• 6:32
  talks.
• 6:34
  And
• 6:34
  for
• 6:35
  so
• 6:35
  many
• 6:35
  people,
• 6:35
  this
• 6:35
  is
• 6:35
  a
• 6:36
  struggle.
• 6:37
  I've
• 6:37
  heard
• 6:37
  people
• 6:38
  say
• 6:38
  this
• 6:38
  time
• 6:38
  and
• 6:38
  time
• 6:39
  again.
• 6:39
  They
• 6:39
  say,
• 6:39
  ralph,
• 6:39
  we
• 6:39
  talk
• 6:40
  about
• 6:40
  a
• 6:40
  budget
• 6:40
  at
• 6:40
  home.
• 6:40
  It
• 6:41
  started
• 6:41
  tense,
• 6:42
  but
• 6:42
  then
• 6:43
  we
• 6:43
  did.
• 6:43
  We
• 6:44
  took
• 6:44
  your
• 6:44
  advice,
• 6:44
  Ralph.
• 6:44
  We
• 6:45
  just
• 6:45
  sat.
• 6:45
  You
• 6:45
  know,
• 6:45
  first
• 6:46
  thing
• 6:46
  we
• 6:46
  do
• 6:46
  before
• 6:46
  we
• 6:46
  talk
• 6:46
  about
• 6:46
  money,
• 6:47
  we're
• 6:48
  going
• 6:48
  to
• 6:48
  pray
• 6:48
  about
• 6:48
  it
• 6:49
  and
• 6:49
  say,
• 6:49
  lord,
• 6:50
  listen,
• 6:50
  this
• 6:51
  may
• 6:51
  end
• 6:51
  up
• 6:51
  in
• 6:51
  a
• 6:52
  battle,
• 6:53
  but
• 6:53
  help
• 6:53
  us
• 6:53
  all
• 6:53
  to
• 6:53
  stay
• 6:54
  calm
• 6:54
  today.
• 6:54
  Help
• 6:54
  us
• 6:54
  to
• 6:55
  understand
• 6:55
  that
• 6:55
  the
• 6:56
  goal
• 6:56
  here
• 6:56
  is
• 6:57
  to
• 6:57
  build
• 6:57
  our
• 6:57
  family
• 6:58
  up,
• 6:58
  not
• 6:58
  tear
• 6:58
  it
• 6:58
  down.
• 7:00
  And
• 7:00
  once
• 7:00
  we
• 7:00
  did
• 7:00
  that,
• 7:00
  Ralph,
• 7:01
  something
• 7:01
  amazing
• 7:02
  happened.
• 7:03
  We
• 7:03
  started
• 7:03
  to
• 7:04
  have
• 7:04
  real
• 7:04
  calmness.
• 7:04
  We
• 7:04
  were
• 7:05
  able
• 7:05
  to
• 7:05
  actually
• 7:05
  have
• 7:05
  a
• 7:05
  discussion.
• 7:07
  I
• 7:07
  remember
• 7:07
  as
• 7:08
  a
• 7:08
  kid,
• 7:08
  my
• 7:08
  mom
• 7:08
  used
• 7:08
  to
• 7:09
  get
• 7:09
  involved
• 7:09
  in
• 7:10
  sharing
• 7:10
  money
• 7:10
  things
• 7:11
  with
• 7:11
  us.
• 7:12
  To
• 7:12
  be
• 7:12
  honest
• 7:12
  with
• 7:12
  you,
• 7:12
  sometimes
• 7:13
  I
• 7:13
  think
• 7:13
  she
• 7:13
  shared
• 7:13
  a
• 7:13
  little
• 7:14
  bit
• 7:14
  too
• 7:14
  much,
• 7:14
  and
• 7:15
  it
• 7:15
  felt
• 7:15
  like
• 7:15
  a
• 7:15
  burden.
• 7:16
  But
• 7:16
  you
• 7:16
  can
• 7:16
  do
• 7:16
  this
• 7:16
  in
• 7:17
  a
• 7:17
  correct
• 7:17
  way,
• 7:19
  but
• 7:19
  share
• 7:19
  that
• 7:19
  with
• 7:19
  your
• 7:20
  kids.
• 7:21
  Because
• 7:21
  one
• 7:21
  of
• 7:21
  the
• 7:21
  things
• 7:22
  I
• 7:22
  think,
• 7:22
  and
• 7:22
  I've
• 7:22
  said
• 7:22
  this
• 7:23
  on
• 7:23
  the
• 7:23
  show
• 7:23
  before,
• 7:23
  I
• 7:23
  think
• 7:23
  we
• 7:24
  do
• 7:24
  a
• 7:24
  terrible
• 7:24
  job
• 7:24
  in
• 7:25
  this
• 7:25
  country
• 7:25
  of
• 7:25
  preparing
• 7:26
  our
• 7:26
  Kids
• 7:26
  financially.
• 7:28
  We
• 7:28
  wonder
• 7:28
  why
• 7:28
  our
• 7:29
  kids
• 7:29
  struggle.
• 7:29
  We
• 7:29
  wonder
• 7:29
  why
• 7:30
  our
• 7:30
  kids
• 7:30
  get
• 7:31
  themselves
• 7:31
  in
• 7:31
  all
• 7:31
  kinds
• 7:32
  of
• 7:32
  credit
• 7:33
  card
• 7:33
  debt
• 7:33
  and
• 7:33
  all
• 7:33
  that
• 7:33
  kind
• 7:34
  of
• 7:34
  stuff.
• 7:35
  Have
• 7:35
  we
• 7:35
  taught
• 7:36
  them
• 7:36
  the
• 7:36
  valuable
• 7:36
  lessons?
• 7:38
  Because
• 7:38
  here's
• 7:39
  the
• 7:39
  truth.
• 7:40
  Intentional
• 7:41
  conversations.
• 7:41
  The
• 7:42
  conversations
• 7:42
  that
• 7:42
  we're
• 7:43
  intentional
• 7:43
  about,
• 7:43
  the
• 7:43
  things
• 7:43
  that
• 7:44
  we
• 7:44
  plan
• 7:44
  out,
• 7:44
  the
• 7:45
  things
• 7:45
  that
• 7:45
  we
• 7:45
  think
• 7:45
  about,
• 7:45
  hey,
• 7:46
  we
• 7:46
  got
• 7:46
  to
• 7:46
  have
• 7:46
  this
• 7:46
  conversation.
• 7:48
  Those
• 7:48
  intentional
• 7:49
  conversations
• 7:50
  can
• 7:50
  bring
• 7:50
  unity
• 7:51
  and
• 7:51
  they
• 7:51
  can
• 7:51
  be
• 7:52
  increased
• 7:52
  in
• 7:52
  life.
• 7:54
  So
• 7:54
  now
• 7:54
  you
• 7:54
  might
• 7:54
  be
• 7:55
  saying,
• 7:55
  ralph,
• 7:55
  how
• 7:55
  do
• 7:55
  I
• 7:55
  make
• 7:55
  this
• 7:55
  happen?
• 7:56
  We've
• 7:57
  never
• 7:57
  done
• 7:57
  this
• 7:57
  in
• 7:57
  our
• 7:57
  family.
• 7:57
  Ralph,
• 7:58
  this
• 7:58
  is
• 7:58
  something.
• 7:58
  I
• 7:59
  get
• 7:59
  it.
• 7:59
  Ralph,
• 7:59
  we
• 7:59
  need
• 7:59
  to
• 7:59
  do
• 8:00
  this.
• 8:00
  God's
• 8:00
  been
• 8:00
  putting
• 8:01
  this
• 8:01
  on
• 8:01
  my
• 8:01
  heart.
• 8:02
  I
• 8:03
  think
• 8:03
  you
• 8:03
  got
• 8:03
  to
• 8:03
  start
• 8:03
  by
• 8:04
  having
• 8:04
  regular
• 8:04
  family
• 8:05
  money
• 8:05
  meetings.
• 8:06
  And
• 8:06
  maybe
• 8:06
  they're
• 8:06
  short
• 8:07
  at
• 8:07
  first,
• 8:07
  maybe
• 8:07
  they're
• 8:08
  light,
• 8:08
  you
• 8:08
  know,
• 8:08
  is
• 8:08
  the
• 8:08
  positive
• 8:08
  check
• 8:09
  in,
• 8:09
  how
• 8:09
  are
• 8:09
  things
• 8:09
  going?
• 8:10
  But
• 8:11
  over
• 8:11
  time,
• 8:11
  it's
• 8:11
  going
• 8:12
  to
• 8:12
  build
• 8:12
  trust,
• 8:12
  it's
• 8:13
  going
• 8:13
  to
• 8:13
  reduce
• 8:13
  stress,
• 8:14
  and
• 8:14
  it's
• 8:14
  going
• 8:15
  to
• 8:15
  help
• 8:15
  you
• 8:15
  align
• 8:15
  your
• 8:16
  family
• 8:16
  with
• 8:17
  the
• 8:17
  biblical
• 8:17
  goals
• 8:17
  or
• 8:18
  your
• 8:18
  God
• 8:18
  given
• 8:18
  goals.
• 8:19
  So
• 8:19
  let
• 8:19
  me
• 8:19
  tell
• 8:19
  you
• 8:19
  right
• 8:19
  now,
• 8:19
  your
• 8:20
  one
• 8:20
  action
• 8:20
  step
• 8:20
  for
• 8:20
  today
• 8:21
  of
• 8:21
  how
• 8:21
  to
• 8:21
  do
• 8:22
  that.
• 8:22
  Now
• 8:22
  here's
• 8:22
  the
• 8:22
  thing.
• 8:22
  It's
• 8:23
  the
• 8:23
  hard
• 8:23
  work.
• 8:24
  You're
• 8:24
  going
• 8:24
  to
• 8:25
  have
• 8:25
  to
• 8:25
  take
• 8:25
  the
• 8:25
  lead
• 8:25
  here.
• 8:27
  You
• 8:27
  might
• 8:27
  have
• 8:27
  to
• 8:27
  be
• 8:27
  that
• 8:28
  gentle
• 8:28
  guide
• 8:28
  for
• 8:28
  that
• 8:29
  first
• 8:29
  meeting.
• 8:29
  You
• 8:29
  have
• 8:29
  to
• 8:29
  be
• 8:30
  to
• 8:30
  pull
• 8:30
  a
• 8:30
  family
• 8:30
  in
• 8:30
  and
• 8:30
  say,
• 8:31
  hey,
• 8:31
  family
• 8:31
  meeting
• 8:32
  time.
• 8:33
  You
• 8:33
  might
• 8:33
  have
• 8:33
  to
• 8:34
  take
• 8:34
  the
• 8:34
  lead
• 8:34
  because
• 8:34
  maybe
• 8:35
  your
• 8:35
  spouse
• 8:35
  or
• 8:35
  maybe
• 8:36
  somebody
• 8:36
  else
• 8:36
  is
• 8:36
  not
• 8:37
  going
• 8:37
  to
• 8:37
  want
• 8:37
  to
• 8:37
  do
• 8:37
  that.
• 8:38
  This
• 8:38
  is
• 8:38
  hard
• 8:39
  work.
• 8:39
  That's
• 8:40
  the
• 8:40
  first
• 8:40
  thing.
• 8:40
  Maybe
• 8:40
  take
• 8:41
  the
• 8:41
  lead.
• 8:41
  Second
• 8:41
  thing.
• 8:41
  This
• 8:42
  is
• 8:42
  super
• 8:42
  important.
• 8:43
  You
• 8:44
  got
• 8:44
  to
• 8:44
  be
• 8:44
  really
• 8:45
  strategic
• 8:46
  in
• 8:46
  doing
• 8:46
  this.
• 8:46
  You
• 8:46
  got
• 8:46
  to
• 8:47
  pick
• 8:47
  a
• 8:47
  relaxed
• 8:47
  time.
• 8:47
  This
• 8:48
  is
• 8:48
  not
• 8:48
  the
• 8:48
  thing.
• 8:48
  When
• 8:49
  everybody's
• 8:49
  stressed
• 8:49
  out,
• 8:50
  when
• 8:50
  everybody's
• 8:50
  rushing
• 8:51
  around,
• 8:52
  this
• 8:52
  is
• 8:52
  a
• 8:52
  great
• 8:52
  thing
• 8:52
  to
• 8:53
  do.
• 8:53
  Maybe
• 8:53
  after
• 8:53
  dinner,
• 8:53
  everybody's
• 8:54
  belly's
• 8:54
  full,
• 8:55
  everybody's
• 8:55
  calm,
• 8:56
  everybody's
• 8:56
  happy.
• 8:57
  It's
• 8:57
  a
• 8:58
  good
• 8:58
  time
• 8:58
  to
• 8:58
  do
• 8:58
  that.
• 8:58
  Or
• 8:59
  maybe
• 8:59
  it's
• 8:59
  if
• 8:59
  maybe
• 8:59
  it's
• 9:00
  just
• 9:00
  for
• 9:00
  you
• 9:00
  and
• 9:00
  your
• 9:00
  wife
• 9:01
  or
• 9:01
  you
• 9:01
  and
• 9:01
  your
• 9:01
  husband,
• 9:01
  you
• 9:01
  need
• 9:02
  to
• 9:02
  sit
• 9:02
  down
• 9:02
  and
• 9:03
  have
• 9:03
  just
• 9:03
  a
• 9:03
  talk.
• 9:04
  Again.
• 9:05
  Not
• 9:05
  when
• 9:05
  everybody's
• 9:06
  upset,
• 9:06
  not
• 9:06
  when
• 9:07
  the
• 9:07
  credit
• 9:07
  card
• 9:07
  bill
• 9:07
  just
• 9:08
  landed,
• 9:08
  not
• 9:08
  when
• 9:08
  the
• 9:09
  bank
• 9:09
  just
• 9:09
  called
• 9:09
  and
• 9:09
  said
• 9:10
  there
• 9:10
  was
• 9:10
  another
• 9:10
  overdraft
• 9:11
  notice.
• 9:11
  That's
• 9:11
  not
• 9:11
  the
• 9:11
  time
• 9:11
  to
• 9:12
  do
• 9:12
  it.
• 9:12
  Maybe
• 9:13
  over
• 9:13
  a
• 9:13
  weekend
• 9:13
  coffee,
• 9:14
  just
• 9:14
  15
• 9:15
  or
• 9:15
  30
• 9:15
  minutes.
• 9:16
  Keep
• 9:16
  it
• 9:16
  short,
• 9:16
  keep
• 9:16
  it
• 9:17
  brief,
• 9:17
  but
• 9:18
  keep
• 9:18
  it
• 9:18
  positive.
• 9:18
  That's
• 9:19
  my
• 9:19
  third
• 9:19
  thing
• 9:19
  I
• 9:19
  wanted
• 9:19
  to
• 9:20
  say
• 9:20
  today.
• 9:20
  Keep
• 9:20
  it
• 9:20
  positive.
• 9:21
  Just
• 9:22
  one
• 9:22
  goal,
• 9:22
  one
• 9:23
  light
• 9:23
  topic.
• 9:24
  Listen,
• 9:24
  if
• 9:24
  you
• 9:24
  come
• 9:24
  at
• 9:25
  this
• 9:25
  with
• 9:25
  the
• 9:25
  intention
• 9:26
  of,
• 9:26
  I'm
• 9:26
  gonna
• 9:26
  whale
• 9:27
  my
• 9:27
  husband
• 9:27
  over
• 9:27
  the
• 9:27
  head
• 9:28
  with
• 9:28
  a
• 9:28
  Hammer,
• 9:28
  because
• 9:28
  he
• 9:28
  doesn't
• 9:29
  stop
• 9:29
  spending
• 9:29
  money
• 9:29
  on
• 9:30
  stuff.
• 9:31
  It's
• 9:31
  not
• 9:31
  gonna
• 9:31
  be
• 9:31
  effective.
• 9:32
  You're
• 9:32
  not
• 9:32
  gonna
• 9:33
  get
• 9:33
  anywhere
• 9:33
  with
• 9:33
  that.
• 9:34
  And
• 9:34
  then
• 9:35
  I'm
• 9:35
  gonna
• 9:35
  encourage
• 9:35
  you
• 9:35
  to
• 9:35
  one
• 9:35
  more
• 9:36
  thing
• 9:36
  like
• 9:36
  I
• 9:36
  talked
• 9:36
  about.
• 9:37
  Start
• 9:37
  with
• 9:38
  prayer.
• 9:38
  Pray
• 9:38
  together
• 9:39
  about
• 9:39
  this,
• 9:40
  begin
• 9:41
  it,
• 9:41
  and
• 9:41
  end
• 9:41
  it
• 9:42
  with
• 9:42
  God's
• 9:42
  wisdom,
• 9:43
  because
• 9:44
  he's
• 9:44
  the
• 9:44
  one
• 9:44
  that
• 9:44
  can
• 9:44
  solve
• 9:45
  this.
• 9:46
  We
• 9:46
  need
• 9:46
  to
• 9:46
  understand
• 9:47
  it
• 9:47
  from
• 9:47
  the
• 9:47
  very
• 9:47
  start
• 9:48
  if
• 9:48
  we
• 9:48
  want
• 9:48
  to
• 9:48
  fix
• 9:49
  these
• 9:49
  awkward
• 9:50
  conversations
• 9:50
  about
• 9:51
  money
• 9:51
  in
• 9:52
  our
• 9:52
  families.
• 9:53
  We
• 9:53
  got
• 9:53
  to
• 9:53
  take
• 9:53
  it
• 9:54
  right
• 9:54
  to
• 9:54
  the
• 9:54
  God.
• 9:54
  We
• 9:54
  got
• 9:55
  to
• 9:55
  take
• 9:55
  it
• 9:55
  right
• 9:55
  to
• 9:55
  him
• 9:55
  first.
• 9:56
  Begin
• 9:57
  with
• 9:57
  that,
• 9:57
  end
• 9:57
  with
• 9:58
  that.
• 9:58
  Start
• 9:59
  off
• 9:59
  with
• 9:59
  saying,
• 9:59
  God,
• 10:00
  help
• 10:00
  us
• 10:00
  to
• 10:00
  be.
• 10:01
  Help
• 10:01
  us
• 10:01
  to
• 10:01
  be
• 10:01
  calm
• 10:02
  in
• 10:02
  this
• 10:02
  discussion.
• 10:03
  And
• 10:03
  at
• 10:03
  the
• 10:03
  end,
• 10:03
  thank
• 10:04
  him
• 10:04
  for
• 10:04
  that
• 10:04
  calm
• 10:05
  discussion.
• 10:06
  Because
• 10:06
  when
• 10:06
  you
• 10:06
  do
• 10:07
  this,
• 10:07
  when
• 10:07
  you
• 10:07
  pick
• 10:07
  that
• 10:08
  intentional
• 10:08
  choice
• 10:09
  to
• 10:09
  do
• 10:09
  this,
• 10:09
  it's
• 10:10
  going
• 10:10
  to
• 10:10
  build
• 10:10
  peace
• 10:11
  and
• 10:12
  it's
• 10:12
  going
• 10:12
  to
• 10:12
  stop
• 10:12
  that
• 10:13
  game
• 10:13
  of
• 10:13
  blaming
• 10:14
  everybody
• 10:15
  else
• 10:15
  for
• 10:15
  what's
• 10:15
  going
• 10:16
  on
• 10:16
  with
• 10:16
  your
• 10:16
  finances
• 10:17
  in
• 10:17
  the
• 10:17
  family.
• 10:18
  Why
• 10:18
  would
• 10:18
  we
• 10:18
  pray
• 10:18
  together,
• 10:19
  Lord?
• 10:20
  We
• 10:20
  just
• 10:20
  start
• 10:20
  today
• 10:20
  by
• 10:21
  thanking
• 10:21
  you
• 10:21
  for
• 10:21
  the
• 10:22
  gift
• 10:22
  of
• 10:22
  our
• 10:22
  families,
• 10:22
  Lord,
• 10:23
  so
• 10:23
  many
• 10:23
  times
• 10:23
  we
• 10:23
  take
• 10:24
  that
• 10:24
  for
• 10:24
  granted.
• 10:24
  And
• 10:25
  yes,
• 10:25
  warts
• 10:25
  and
• 10:26
  all,
• 10:26
  Lord,
• 10:26
  we
• 10:27
  appreciate
• 10:27
  what
• 10:27
  you've
• 10:28
  given
• 10:28
  us.
• 10:29
  And
• 10:29
  we
• 10:29
  have
• 10:29
  to
• 10:30
  say
• 10:30
  right
• 10:30
  now,
• 10:30
  Lord,
• 10:30
  we
• 10:30
  have
• 10:31
  to
• 10:31
  confess
• 10:31
  you
• 10:31
  that
• 10:31
  money
• 10:31
  has
• 10:32
  sometimes
• 10:32
  divided
• 10:33
  us
• 10:33
  as
• 10:33
  a
• 10:33
  family.
• 10:34
  We
• 10:35
  just
• 10:35
  ask
• 10:35
  that
• 10:35
  you
• 10:35
  will
• 10:35
  forgive
• 10:36
  us
• 10:36
  for
• 10:36
  those
• 10:36
  times,
• 10:36
  Lord,
• 10:37
  and
• 10:37
  help
• 10:37
  us
• 10:37
  to
• 10:38
  have
• 10:38
  courage
• 10:38
  to
• 10:38
  start
• 10:39
  to
• 10:39
  talk
• 10:39
  openly
• 10:40
  about
• 10:40
  these
• 10:40
  things.
• 10:41
  Give
• 10:41
  us
• 10:41
  wisdom
• 10:42
  to
• 10:42
  shut
• 10:42
  up
• 10:43
  and
• 10:43
  listen
• 10:43
  sometimes,
• 10:44
  Lord,
• 10:44
  and
• 10:45
  to
• 10:45
  really
• 10:45
  have
• 10:46
  grace
• 10:46
  to
• 10:46
  find
• 10:47
  unity
• 10:47
  in
• 10:47
  our
• 10:48
  family.
• 10:49
  And,
• 10:49
  Lord,
• 10:49
  as
• 10:50
  we
• 10:50
  do
• 10:50
  this,
• 10:50
  we
• 10:50
  ask
• 10:50
  that
• 10:51
  you
• 10:51
  would
• 10:51
  come
• 10:51
  into
• 10:51
  those
• 10:52
  discussions.
• 10:53
  Give
• 10:54
  us
• 10:54
  alignment
• 10:55
  with
• 10:55
  the
• 10:55
  will
• 10:55
  you
• 10:55
  have
• 10:56
  for
• 10:56
  our
• 10:56
  lives,
• 10:56
  Lord.
• 10:57
  Help
• 10:57
  us
• 10:57
  to
• 10:57
  be
• 10:57
  wise
• 10:58
  stewards
• 10:58
  of
• 10:58
  that.
• 10:59
  Help
• 10:59
  us
• 10:59
  to
• 10:59
  teach
• 10:59
  our
• 10:59
  kids
• 11:00
  to
• 11:00
  do
• 11:00
  this
• 11:00
  well,
• 11:01
  Lord,
• 11:01
  so
• 11:01
  that
• 11:01
  they
• 11:02
  become
• 11:02
  financially
• 11:03
  confident
• 11:03
  Christians,
• 11:04
  Lord.
• 11:05
  And
• 11:05
  we
• 11:05
  ask
• 11:05
  all
• 11:05
  this
• 11:06
  in
• 11:06
  the
• 11:06
  confidence
• 11:07
  of
• 11:07
  Jesus
• 11:07
  himself.
• 11:08
  We
• 11:08
  ask
• 11:08
  this
• 11:08
  in
• 11:08
  Jesus
• 11:09
  name.
• 11:10
  Amen.
• 11:12
  Family
• 11:12
  money
• 11:12
  meetings
• 11:13
  aren't
• 11:13
  about
• 11:13
  conflict.
• 11:14
  Don't
• 11:14
  have
• 11:14
  to
• 11:15
  be.
• 11:15
  You
• 11:15
  may
• 11:15
  have
• 11:16
  experienced
• 11:16
  that
• 11:16
  your
• 11:16
  whole
• 11:17
  life.
• 11:17
  Because,
• 11:17
  listen,
• 11:17
  I
• 11:17
  know
• 11:18
  this
• 11:18
  myself
• 11:19
  so
• 11:20
  many
• 11:20
  times
• 11:20
  the
• 11:20
  family,
• 11:21
  because
• 11:21
  it's
• 11:21
  a
• 11:21
  discussion
• 11:22
  of
• 11:22
  we
• 11:22
  spent
• 11:22
  too
• 11:22
  much
• 11:22
  money
• 11:23
  last
• 11:23
  month.
• 11:23
  We
• 11:23
  did
• 11:23
  this,
• 11:23
  we
• 11:24
  did
• 11:24
  that.
• 11:25
  They
• 11:25
  don't
• 11:26
  have
• 11:26
  to
• 11:26
  be
• 11:26
  about
• 11:26
  conflict.
• 11:27
  They
• 11:27
  can
• 11:28
  truly
• 11:28
  transform
• 11:29
  into
• 11:29
  a
• 11:30
  time
• 11:30
  of
• 11:30
  connection.
• 11:30
  I'm
• 11:30
  going
• 11:31
  to
• 11:31
  encourage
• 11:31
  you
• 11:31
  to
• 11:31
  do
• 11:31
  that.
• 11:32
  Start
• 11:32
  small,
• 11:33
  keep
• 11:33
  it
• 11:33
  light,
• 11:34
  and
• 11:34
  remember,
• 11:34
  invite
• 11:35
  God
• 11:35
  into
• 11:35
  the
• 11:36
  beginning
• 11:36
  and
• 11:36
  the
• 11:36
  end
• 11:36
  of
• 11:37
  that
• 11:37
  conversation.
• 11:38
  And
• 11:38
  as
• 11:39
  we're
• 11:39
  talking
• 11:39
  about
• 11:39
  inviting,
• 11:39
  I
• 11:40
  would
• 11:40
  really
• 11:40
  like
• 11:40
  it
• 11:40
  if
• 11:40
  you
• 11:41
  would
• 11:41
  share
• 11:41
  this
• 11:41
  show
• 11:41
  with
• 11:42
  other
• 11:42
  people.
• 11:42
  Maybe,
• 11:42
  you
• 11:43
  know,
• 11:43
  another
• 11:43
  family
• 11:43
  that's
• 11:44
  struggling,
• 11:44
  you
• 11:44
  can
• 11:44
  say
• 11:45
  to
• 11:45
  them,
• 11:45
  Hey,
• 11:45
  I
• 11:45
  listen
• 11:46
  to
• 11:46
  this
• 11:46
  guy
• 11:46
  Ralph.
• 11:46
  He's
• 11:47
  got
• 11:47
  this
• 11:47
  podcast
• 11:48
  called
• 11:48
  Financially
• 11:49
  Confident
• 11:49
  Christian.
• 11:50
  You
• 11:50
  can
• 11:50
  send
• 11:50
  him
• 11:50
  right
• 11:50
  to
• 11:51
  our
• 11:51
  website.
• 11:51
  That's@financiallyconfidentchristian.com
• 11:53
  Send
• 11:53
  him
• 11:54
  an
• 11:54
  email,
• 11:54
  send
• 11:54
  him
• 11:55
  a
• 11:55
  text
• 11:55
  and
• 11:55
  just
• 11:55
  say,
• 11:55
  hey,
• 11:56
  you
• 11:56
  want
• 11:56
  to
• 11:56
  consider
• 11:57
  this?
• 11:57
  I
• 11:57
  listen
• 11:58
  to
• 11:58
  his
• 11:58
  show
• 11:58
  every
• 11:59
  day
• 11:59
  and
• 11:59
  it's
• 11:59
  really
• 11:59
  been
• 12:00
  impactful
• 12:00
  for
• 12:00
  me.
• 12:00
  It's
• 12:01
  helped
• 12:01
  me
• 12:01
  break
• 12:01
  that
• 12:02
  cycle
• 12:02
  of
• 12:02
  financial
• 12:02
  shame
• 12:03
  and
• 12:03
  it's
• 12:03
  helped
• 12:04
  me
• 12:04
  find
• 12:04
  confidence.
• 12:04
  So
• 12:05
  share
• 12:05
  the
• 12:05
  show
• 12:05
  with
• 12:05
  them
• 12:06
  and
• 12:06
  while
• 12:06
  they're
• 12:06
  there,
• 12:06
  you
• 12:07
  can
• 12:07
  point
• 12:07
  them
• 12:07
  to
• 12:07
  something
• 12:07
  absolutely
• 12:08
  free.
• 12:08
  You
• 12:08
  can
• 12:08
  get
• 12:08
  this
• 12:08
  yourself,
• 12:09
  too.
• 12:09
  I'm
• 12:10
  giving
• 12:10
  you
• 12:10
  everybody
• 12:10
  that
• 12:11
  listens
• 12:11
  to
• 12:11
  the
• 12:11
  show.
• 12:11
  You
• 12:11
  just
• 12:12
  go
• 12:12
  to
• 12:12
  our
• 12:12
  website.
• 12:12
  That's
• 12:13
  financially
• 12:14
  confidentchristian.com
• 12:15
  becoming
• 12:16
  I
• 12:16
  want
• 12:16
  to
• 12:16
  give
• 12:17
  you
• 12:17
  a
• 12:17
  copy
• 12:17
  of
• 12:17
  my
• 12:18
  book.
• 12:18
  I
• 12:18
  just
• 12:18
  finished
• 12:19
  writing
• 12:19
  my
• 12:19
  third
• 12:19
  book.
• 12:19
  Yes,
• 12:20
  three
• 12:20
  books.
• 12:20
  What
• 12:21
  was
• 12:21
  I
• 12:21
  thinking?
• 12:22
  But
• 12:22
  this
• 12:22
  one's
• 12:23
  really
• 12:23
  impactful.
• 12:24
  It's
• 12:24
  called
• 12:24
  how
• 12:24
  to
• 12:24
  Become
• 12:25
  a
• 12:25
  Financially
• 12:25
  Confident
• 12:26
  Christian.
• 12:26
  And
• 12:26
  it
• 12:26
  really
• 12:27
  is
• 12:27
  your
• 12:27
  way
• 12:27
  to
• 12:28
  start
• 12:28
  stepping
• 12:28
  out
• 12:29
  of
• 12:29
  that
• 12:30
  financial
• 12:30
  shame
• 12:30
  that
• 12:31
  so
• 12:31
  many
• 12:31
  of
• 12:31
  us
• 12:31
  find
• 12:32
  ourselves
• 12:32
  in
• 12:32
  that
• 12:33
  cycle
• 12:33
  and,
• 12:33
  and
• 12:33
  to
• 12:34
  start
• 12:34
  build
• 12:34
  confidence
• 12:35
  and
• 12:35
  build
• 12:36
  confidence
• 12:36
  in
• 12:36
  the
• 12:37
  rock
• 12:37
  of
• 12:37
  Christ
• 12:38
  to
• 12:38
  change
• 12:38
  the
• 12:38
  financial
• 12:39
  dynamic.
• 12:39
  So
• 12:40
  I'm
• 12:40
  going
• 12:40
  to
• 12:40
  encourage
• 12:40
  you
• 12:40
  to
• 12:40
  get
• 12:40
  that.
• 12:41
  Go
• 12:41
  ahead
• 12:41
  and
• 12:41
  you
• 12:41
  can
• 12:41
  go
• 12:42
  to
• 12:42
  financially
• 12:42
  confidentchristian.com
• 12:45
  becoming
• 12:46
  now,
• 12:46
  tomorrow
• 12:47
  we're
• 12:47
  going
• 12:47
  to
• 12:47
  get
• 12:47
  really
• 12:48
  practical.
• 12:48
  Tomorrow
• 12:48
  we're
• 12:48
  going
• 12:48
  to
• 12:49
  talk
• 12:49
  about
• 12:49
  those
• 12:49
  forgotten
• 12:50
  subscriptions,
• 12:50
  those
• 12:51
  sneaky
• 12:51
  budget
• 12:52
  leaks.
• 12:52
  But
• 12:52
  bigger
• 12:53
  than
• 12:53
  that,
• 12:53
  we're
• 12:53
  going
• 12:53
  to
• 12:53
  talk
• 12:53
  about
• 12:54
  how
• 12:54
  to
• 12:54
  reclaim
• 12:54
  that
• 12:54
  money
• 12:55
  and
• 12:55
  put
• 12:55
  it
• 12:56
  to
• 12:56
  use
• 12:56
  for
• 12:56
  God's
• 12:57
  will
• 12:57
  of
• 12:57
  your
• 12:58
  life.
• 12:58
  So
• 12:58
  I'm
• 12:58
  going
• 12:58
  to
• 12:58
  encourage
• 12:59
  you
• 12:59
  to
• 12:59
  catch
• 12:59
  tomorrow's
• 13:00
  show.
• 13:00
  And
• 13:01
  as
• 13:01
  I
• 13:01
  close
• 13:01
  today,
• 13:02
  I
• 13:02
  just
• 13:02
  want
• 13:02
  to
• 13:02
  remind
• 13:03
  you
• 13:03
  this.
• 13:03
  You
• 13:04
  can
• 13:04
  do
• 13:04
  this.
• 13:04
  You
• 13:04
  can
• 13:05
  have
• 13:05
  those
• 13:05
  difficult
• 13:06
  family
• 13:07
  conversations.
• 13:08
  Just
• 13:09
  invite
• 13:09
  God
• 13:09
  into
• 13:09
  it.
• 13:10
  Say,
• 13:10
  God,
• 13:10
  show
• 13:10
  me
• 13:10
  your
• 13:11
  path
• 13:11
  for
• 13:11
  this.
• 13:12
  Keep
• 13:12
  it
• 13:12
  short,
• 13:13
  keep
• 13:13
  it
• 13:13
  simple,
• 13:14
  keep
• 13:14
  it
• 13:14
  positive,
• 13:15
  but
• 13:15
  you
• 13:15
  can
• 13:15
  do
• 13:16
  this.
• 13:16
  I
• 13:16
  believe
• 13:16
  in
• 13:17
  you.
• 13:17
  Believe
• 13:17
  in
• 13:17
  yourself.
• 13:18
  Now
• 13:18
  go
• 13:19
  live
• 13:19
  as
• 13:19
  a
• 13:19
  financially
• 13:20
  confident
• 13:20
  Christian,
• 13:20
  because
• 13:20
  you
• 13:21
  can
• 13:21
  do
• 13:21
  this.
• 13:21
  God
• 13:22
  bless
• 13:22
  you.
• 13:22
  And
• 13:23
  you
• 13:23
  have
• 13:23
  a
• 13:23
  great
• 13:23
  day
• 13:23
  today.