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Is Buying a Home Always the Right Financial Move for Me? · Becoming Financially Confident

• 0:00
  The
• 0:00
  idea
• 0:00
  of
• 0:01
  owning
• 0:01
  your
• 0:01
  own
• 0:01
  home,
• 0:02
  having
• 0:02
  a
• 0:02
  place
• 0:02
  to
• 0:03
  call
• 0:03
  yours,
• 0:03
  maybe
• 0:04
  building
• 0:04
  some
• 0:05
  equity,
• 0:06
  it's
• 0:06
  a
• 0:06
  powerful
• 0:06
  dream
• 0:07
  for
• 0:07
  many
• 0:07
  people.
• 0:08
  But
• 0:08
  the
• 0:09
  financial
• 0:09
  weight
• 0:09
  of
• 0:09
  a
• 0:10
  mortgage,
• 0:10
  the
• 0:10
  down
• 0:11
  payments
• 0:11
  and
• 0:11
  all
• 0:12
  those
• 0:12
  closing
• 0:12
  costs
• 0:13
  can
• 0:13
  feel
• 0:14
  truly
• 0:14
  overwhelming.
• 0:15
  Well,
• 0:16
  let's
• 0:16
  answer
• 0:16
  this
• 0:16
  question
• 0:17
  today.
• 0:17
  Is
• 0:18
  homeownership
• 0:19
  automatically
• 0:20
  the
• 0:20
  right
• 0:20
  move?
• 0:21
  And
• 0:21
  how
• 0:21
  do
• 0:21
  you
• 0:21
  know
• 0:22
  if
• 0:22
  you
• 0:22
  can
• 0:22
  truly
• 0:23
  afford
• 0:23
  it
• 0:23
  without
• 0:24
  getting
• 0:24
  yourself
• 0:25
  into
• 0:25
  massive
• 0:25
  stress?
• 0:26
  So
• 0:26
  stick
• 0:26
  with
• 0:27
  me
• 0:27
  today.
• 0:27
  I'm
• 0:27
  going
• 0:27
  to
• 0:27
  break
• 0:28
  this
• 0:28
  down
• 0:28
  on
• 0:28
  today's
• 0:29
  show.
• 0:31
  This
• 0:31
  is
• 0:31
  Financially
• 0:32
  Confident
• 0:32
  Christian,
• 0:33
  your
• 0:33
  daily
• 0:34
  dose
• 0:34
  of
• 0:34
  gospel
• 0:35
  grounded
• 0:35
  insight
• 0:35
  and
• 0:36
  faith
• 0:36
  driven
• 0:36
  tips
• 0:37
  to
• 0:37
  help
• 0:37
  you
• 0:37
  break
• 0:38
  the
• 0:38
  cycle
• 0:38
  of
• 0:38
  financial
• 0:39
  shame
• 0:39
  with
• 0:39
  confidence.
• 0:43
  Hey
• 0:44
  there.
• 0:44
  Welcome
• 0:44
  back
• 0:44
  to
• 0:45
  your
• 0:45
  daily
• 0:45
  Financially
• 0:46
  Confident
• 0:46
  Christian.
• 0:47
  I'm
• 0:47
  Ralph
• 0:47
  and
• 0:48
  it's
• 0:48
  always
• 0:48
  great
• 0:48
  to
• 0:48
  be
• 0:49
  with
• 0:49
  you.
• 0:49
  Again.
• 0:49
  This
• 0:50
  is
• 0:50
  the
• 0:50
  show
• 0:50
  that
• 0:50
  helps
• 0:51
  you
• 0:51
  answer
• 0:51
  that
• 0:51
  question,
• 0:52
  how
• 0:52
  can
• 0:52
  I
• 0:53
  become
• 0:53
  a
• 0:54
  financially
• 0:54
  confident
• 0:55
  Christian
• 0:55
  Christian?
• 0:55
  And
• 0:55
  we're
• 0:56
  continuing
• 0:56
  our
• 0:56
  series
• 0:56
  today
• 0:57
  dealing
• 0:57
  with
• 0:58
  those
• 0:58
  stresses
• 0:58
  of
• 0:59
  money
• 0:59
  worries.
• 0:59
  And
• 1:00
  for
• 1:00
  a
• 1:00
  lot
• 1:00
  of
• 1:00
  people,
• 1:01
  the
• 1:01
  idea
• 1:01
  of
• 1:02
  owning
• 1:02
  a
• 1:02
  home
• 1:02
  is
• 1:03
  a
• 1:03
  lot
• 1:03
  of
• 1:03
  stress.
• 1:04
  Now
• 1:04
  yesterday
• 1:05
  we
• 1:05
  talked
• 1:05
  about
• 1:05
  the
• 1:06
  issue
• 1:06
  of
• 1:06
  lifestyle
• 1:07
  creep
• 1:07
  and
• 1:08
  how
• 1:08
  to
• 1:08
  keep
• 1:08
  that
• 1:08
  increased
• 1:09
  income
• 1:09
  from
• 1:10
  silently
• 1:10
  slipping
• 1:11
  away.
• 1:11
  Well,
• 1:12
  today
• 1:12
  we're
• 1:12
  going
• 1:12
  to
• 1:12
  be
• 1:12
  talking
• 1:13
  about
• 1:13
  one
• 1:13
  of
• 1:13
  the
• 1:14
  most
• 1:14
  significant
• 1:15
  financial
• 1:15
  decisions
• 1:16
  that
• 1:16
  a
• 1:16
  lot
• 1:16
  of
• 1:17
  people
• 1:17
  make
• 1:18
  and
• 1:18
  that's
• 1:18
  deciding
• 1:19
  whether
• 1:19
  or
• 1:19
  not
• 1:19
  to
• 1:20
  buy
• 1:20
  a
• 1:20
  home.
• 1:21
  Now,
• 1:21
  for
• 1:21
  a
• 1:21
  lot
• 1:21
  of
• 1:21
  people,
• 1:22
  it's
• 1:22
  a
• 1:22
  milestone.
• 1:23
  It's
• 1:23
  a
• 1:23
  way
• 1:24
  to
• 1:24
  say
• 1:24
  that,
• 1:25
  hey,
• 1:25
  we've
• 1:25
  made
• 1:25
  it.
• 1:26
  But
• 1:26
  you
• 1:27
  have
• 1:27
  to
• 1:27
  also
• 1:27
  understand
• 1:28
  the
• 1:28
  financial
• 1:29
  commitment
• 1:29
  behind
• 1:29
  this.
• 1:30
  That
• 1:30
  can
• 1:31
  be
• 1:31
  a
• 1:31
  huge
• 1:32
  source
• 1:32
  of
• 1:32
  stress
• 1:33
  for
• 1:33
  a
• 1:33
  lot
• 1:33
  of
• 1:33
  people.
• 1:34
  So
• 1:34
  we've
• 1:34
  got
• 1:34
  to
• 1:34
  be
• 1:35
  honestly
• 1:35
  asking
• 1:36
  ourselves
• 1:36
  today,
• 1:37
  is
• 1:37
  buying
• 1:37
  a
• 1:37
  home
• 1:38
  always
• 1:38
  the
• 1:38
  right
• 1:39
  financial
• 1:39
  move
• 1:39
  for
• 1:40
  me?
• 1:40
  And
• 1:41
  once
• 1:41
  we
• 1:41
  decide
• 1:41
  on
• 1:42
  that,
• 1:42
  you
• 1:42
  got
• 1:42
  to
• 1:42
  ask
• 1:43
  ourselves,
• 1:43
  how
• 1:44
  do
• 1:44
  I
• 1:44
  approach
• 1:44
  this
• 1:44
  decision?
• 1:45
  With
• 1:46
  wisdom
• 1:46
  and
• 1:47
  with
• 1:47
  peace.
• 1:47
  And
• 1:47
  let's
• 1:47
  dispel
• 1:48
  facts
• 1:48
  from
• 1:48
  fictions.
• 1:49
  Today,
• 1:49
  maybe
• 1:50
  the
• 1:50
  desire
• 1:50
  to
• 1:51
  own
• 1:51
  a
• 1:51
  home
• 1:51
  is
• 1:51
  strong
• 1:52
  for
• 1:52
  you.
• 1:52
  You
• 1:53
  have
• 1:53
  this
• 1:53
  vision
• 1:53
  in
• 1:54
  your
• 1:54
  own
• 1:54
  mind
• 1:54
  of
• 1:54
  having
• 1:55
  your
• 1:55
  own
• 1:55
  space
• 1:55
  and
• 1:56
  putting
• 1:56
  down
• 1:57
  your
• 1:57
  own
• 1:57
  roots
• 1:57
  and
• 1:58
  not
• 1:58
  paying
• 1:58
  rent
• 1:58
  anymore,
• 1:59
  but
• 1:59
  actually
• 1:59
  building
• 2:00
  equity
• 2:00
  for
• 2:01
  yourself.
• 2:02
  And
• 2:02
  all
• 2:02
  those
• 2:02
  things
• 2:03
  sound
• 2:03
  great.
• 2:03
  It's
• 2:03
  what
• 2:03
  you've
• 2:04
  always
• 2:04
  been
• 2:04
  told,
• 2:04
  that's
• 2:05
  the
• 2:05
  American
• 2:05
  dream,
• 2:06
  own
• 2:06
  your
• 2:06
  home.
• 2:07
  But
• 2:07
  then
• 2:08
  you
• 2:08
  start
• 2:08
  thinking
• 2:08
  about
• 2:08
  the
• 2:09
  actual
• 2:09
  steps
• 2:10
  to
• 2:10
  get
• 2:10
  there.
• 2:11
  Start
• 2:11
  thinking
• 2:12
  through
• 2:12
  that
• 2:12
  huge
• 2:13
  down
• 2:13
  payment,
• 2:14
  maybe
• 2:14
  10
• 2:14
  or
• 2:15
  20%
• 2:15
  of
• 2:15
  the
• 2:16
  purchase
• 2:16
  price.
• 2:17
  And
• 2:17
  then
• 2:17
  you're
• 2:17
  thinking,
• 2:18
  well,
• 2:18
  I
• 2:18
  got
• 2:18
  to
• 2:18
  get
• 2:18
  an
• 2:18
  application.
• 2:19
  And
• 2:19
  Ralph,
• 2:20
  everyone
• 2:20
  tells
• 2:20
  me
• 2:20
  the
• 2:21
  mortgage
• 2:21
  application
• 2:22
  process
• 2:22
  is
• 2:22
  insanity.
• 2:24
  And
• 2:24
  then
• 2:24
  once
• 2:24
  you
• 2:24
  get
• 2:24
  through
• 2:25
  that,
• 2:25
  then
• 2:25
  you
• 2:25
  heard
• 2:26
  all
• 2:26
  these
• 2:26
  stories
• 2:26
  about
• 2:27
  closing
• 2:27
  costs
• 2:28
  and
• 2:28
  then
• 2:28
  you're
• 2:28
  thinking
• 2:29
  about
• 2:29
  everybody
• 2:29
  says
• 2:30
  that
• 2:30
  houses
• 2:30
  are
• 2:31
  just
• 2:31
  a
• 2:31
  money
• 2:31
  Pit.
• 2:31
  And
• 2:32
  you're
• 2:32
  worried
• 2:32
  about
• 2:32
  the
• 2:33
  ongoing
• 2:33
  expenses
• 2:34
  of
• 2:34
  maintenance,
• 2:34
  and
• 2:35
  then
• 2:35
  there's
• 2:35
  property
• 2:36
  taxes.
• 2:37
  And
• 2:38
  all
• 2:38
  of
• 2:38
  this
• 2:38
  leads
• 2:39
  to
• 2:39
  you
• 2:39
  to
• 2:39
  a
• 2:39
  place
• 2:40
  of
• 2:40
  feeling
• 2:41
  overwhelmed
• 2:41
  and
• 2:42
  feeling
• 2:42
  completely
• 2:43
  stressed.
• 2:45
  And
• 2:45
  maybe
• 2:45
  you're
• 2:45
  one
• 2:45
  of
• 2:45
  those
• 2:46
  people
• 2:46
  who
• 2:46
  feels
• 2:46
  this
• 2:46
  pressure
• 2:47
  from
• 2:47
  society.
• 2:47
  Well,
• 2:48
  you
• 2:48
  got
• 2:48
  to
• 2:48
  own
• 2:48
  a
• 2:48
  home.
• 2:49
  You
• 2:49
  got
• 2:49
  to
• 2:49
  do
• 2:50
  the
• 2:50
  American
• 2:50
  dream.
• 2:50
  You
• 2:50
  got
• 2:51
  to
• 2:51
  have
• 2:51
  a
• 2:51
  house.
• 2:51
  Or
• 2:52
  maybe
• 2:52
  your
• 2:52
  family's
• 2:53
  putting
• 2:53
  pressure
• 2:53
  on
• 2:54
  you,
• 2:54
  hey,
• 2:54
  when
• 2:55
  are
• 2:55
  you
• 2:55
  two
• 2:55
  going
• 2:55
  to
• 2:55
  ever
• 2:55
  buy
• 2:56
  a
• 2:56
  home?
• 2:56
  Or
• 2:56
  are
• 2:56
  you
• 2:57
  ever
• 2:57
  going
• 2:57
  to
• 2:57
  own
• 2:57
  a
• 2:57
  home
• 2:58
  of
• 2:58
  your
• 2:58
  own?
• 2:59
  And
• 2:59
  you're
• 2:59
  asking
• 3:00
  yourself,
• 3:01
  am
• 3:01
  I
• 3:01
  even
• 3:02
  ready
• 3:02
  financially
• 3:03
  to
• 3:03
  do
• 3:03
  this?
• 3:05
  Because
• 3:05
  you've
• 3:05
  got
• 3:05
  fear.
• 3:05
  You've
• 3:06
  got
• 3:06
  fear
• 3:06
  of
• 3:06
  taking
• 3:06
  on
• 3:07
  such
• 3:07
  a
• 3:07
  massive
• 3:08
  debt.
• 3:08
  Listen,
• 3:08
  for
• 3:09
  most
• 3:09
  people,
• 3:10
  a
• 3:10
  mortgage
• 3:10
  is
• 3:11
  the
• 3:11
  biggest
• 3:11
  debt
• 3:11
  that
• 3:12
  they
• 3:12
  will
• 3:12
  ever
• 3:12
  have.
• 3:14
  And
• 3:14
  larger
• 3:15
  than
• 3:15
  that,
• 3:15
  there's
• 3:15
  this
• 3:15
  uncertainty
• 3:16
  in
• 3:16
  your
• 3:16
  mind
• 3:17
  about
• 3:17
  whether
• 3:17
  you
• 3:18
  can
• 3:18
  comfortably
• 3:18
  afford
• 3:19
  this.
• 3:19
  And
• 3:20
  I
• 3:20
  use
• 3:20
  the
• 3:20
  word
• 3:20
  comfortably
• 3:21
  because
• 3:21
  I
• 3:21
  think
• 3:21
  it's
• 3:22
  so
• 3:22
  important
• 3:23
  that
• 3:23
  I
• 3:23
  stress
• 3:23
  that
• 3:24
  today
• 3:25
  you
• 3:25
  got
• 3:25
  to
• 3:25
  look
• 3:26
  at,
• 3:26
  are
• 3:26
  you
• 3:27
  going
• 3:27
  to
• 3:27
  be
• 3:27
  comfortable
• 3:28
  with
• 3:28
  this?
• 3:28
  You
• 3:28
  got
• 3:28
  to
• 3:28
  look
• 3:28
  at
• 3:29
  the
• 3:29
  total
• 3:29
  cost
• 3:30
  of
• 3:30
  homeownership.
• 3:31
  It's
• 3:31
  easy
• 3:31
  to
• 3:32
  get
• 3:32
  focused
• 3:32
  on
• 3:32
  that
• 3:33
  mortgage
• 3:33
  payment.
• 3:34
  Well,
• 3:34
  my
• 3:34
  mortgage
• 3:35
  payment
• 3:35
  is
• 3:35
  going
• 3:35
  to
• 3:35
  be
• 3:35
  this
• 3:35
  much.
• 3:37
  But
• 3:37
  think
• 3:37
  about
• 3:37
  the
• 3:37
  other
• 3:38
  things
• 3:38
  that
• 3:38
  go
• 3:38
  along
• 3:38
  with
• 3:39
  that.
• 3:39
  And
• 3:40
  all
• 3:40
  of
• 3:40
  those
• 3:40
  things,
• 3:40
  they
• 3:41
  might
• 3:41
  just
• 3:41
  get
• 3:41
  all
• 3:42
  together
• 3:42
  and
• 3:42
  they
• 3:42
  cause
• 3:43
  you
• 3:43
  this
• 3:43
  huge
• 3:44
  source
• 3:44
  of
• 3:44
  stress.
• 3:46
  And
• 3:46
  then
• 3:46
  you're
• 3:46
  back
• 3:47
  to
• 3:47
  wondering
• 3:47
  again.
• 3:47
  You're
• 3:48
  not
• 3:48
  sure
• 3:48
  if
• 3:49
  it's
• 3:49
  truly
• 3:49
  the
• 3:49
  right
• 3:50
  financial
• 3:50
  step
• 3:51
  for
• 3:51
  you
• 3:51
  or
• 3:51
  even
• 3:51
  if
• 3:52
  you
• 3:52
  can
• 3:52
  afford
• 3:52
  it.
• 3:54
  And
• 3:54
  that
• 3:54
  just
• 3:54
  leads
• 3:54
  to
• 3:55
  difficulty.
• 3:56
  But
• 3:56
  here's
• 3:57
  the
• 3:57
  thing.
• 3:57
  You
• 3:57
  got
• 3:57
  to
• 3:57
  understand.
• 3:59
  I
• 3:59
  truly
• 3:59
  believe
• 4:00
  that
• 4:00
  homeownership
• 4:01
  can
• 4:01
  be
• 4:01
  a
• 4:01
  good
• 4:01
  financial
• 4:02
  goal.
• 4:02
  It's
• 4:03
  a
• 4:03
  great
• 4:03
  form
• 4:03
  of
• 4:04
  stability.
• 4:06
  But
• 4:06
  here's
• 4:06
  something
• 4:06
  I'm
• 4:06
  going
• 4:07
  to
• 4:07
  tell
• 4:07
  you,
• 4:07
  and
• 4:07
  a
• 4:07
  lot
• 4:07
  of
• 4:07
  people
• 4:08
  won't
• 4:08
  agree
• 4:08
  with
• 4:08
  me
• 4:08
  on
• 4:09
  this.
• 4:10
  It's
• 4:10
  not
• 4:10
  automatically
• 4:11
  the
• 4:11
  right
• 4:11
  move
• 4:12
  for
• 4:12
  everyone
• 4:12
  at
• 4:13
  every
• 4:13
  time.
• 4:15
  It's
• 4:15
  just
• 4:15
  not.
• 4:16
  It's
• 4:16
  not
• 4:16
  the
• 4:16
  automatic,
• 4:17
  well,
• 4:17
  everybody
• 4:17
  should
• 4:17
  own
• 4:17
  a
• 4:18
  home,
• 4:18
  and
• 4:18
  this
• 4:18
  is
• 4:18
  the
• 4:19
  right
• 4:19
  time
• 4:19
  to
• 4:19
  do
• 4:19
  it.
• 4:20
  Owning
• 4:21
  a
• 4:21
  home
• 4:21
  is
• 4:21
  a
• 4:21
  significant
• 4:22
  stewardship
• 4:23
  decision.
• 4:24
  And
• 4:24
  with
• 4:25
  any
• 4:25
  difficult
• 4:26
  stewardship
• 4:27
  decision,
• 4:27
  we
• 4:28
  have
• 4:28
  to
• 4:28
  put
• 4:28
  in
• 4:29
  careful
• 4:29
  planning
• 4:30
  and
• 4:30
  we
• 4:30
  got
• 4:30
  to
• 4:31
  put
• 4:31
  in
• 4:31
  prayerful
• 4:31
  discernment,
• 4:32
  not
• 4:33
  just
• 4:33
  follow
• 4:33
  societal
• 4:34
  expectations.
• 4:36
  And
• 4:36
  see,
• 4:36
  to
• 4:36
  be
• 4:36
  honest
• 4:37
  with
• 4:37
  you,
• 4:37
  this
• 4:37
  is
• 4:37
  one
• 4:38
  of
• 4:38
  the
• 4:38
  biggest
• 4:38
  problems
• 4:39
  that
• 4:39
  I
• 4:39
  see.
• 4:40
  Everybody
• 4:40
  just
• 4:41
  assumes,
• 4:41
  well,
• 4:41
  you
• 4:41
  got
• 4:41
  to
• 4:41
  own
• 4:42
  a
• 4:42
  home.
• 4:43
  Don't
• 4:43
  plan,
• 4:44
  just
• 4:44
  work
• 4:44
  it
• 4:44
  out.
• 4:44
  Got
• 4:44
  to
• 4:45
  work
• 4:45
  it
• 4:45
  out.
• 4:46
  Well,
• 4:46
  let's
• 4:46
  take
• 4:46
  a
• 4:46
  look
• 4:47
  at
• 4:47
  the
• 4:47
  Bible
• 4:47
  and
• 4:47
  let's
• 4:48
  see
• 4:48
  what
• 4:48
  it
• 4:48
  says
• 4:48
  about
• 4:48
  wise
• 4:49
  planning
• 4:49
  and
• 4:49
  seeking
• 4:50
  counsel.
• 4:51
  Because
• 4:51
  you
• 4:51
  got
• 4:52
  to
• 4:52
  make
• 4:52
  decisions
• 4:53
  that
• 4:53
  align
• 4:53
  with
• 4:53
  your
• 4:54
  resources
• 4:54
  and
• 4:55
  with
• 4:55
  God's
• 4:55
  guidance.
• 4:56
  Let's
• 4:56
  look
• 4:56
  at
• 4:56
  Luke
• 4:56
  chapter
• 4:57
  14
• 4:57
  and.
• 4:58
  And
• 4:58
  this
• 4:58
  is
• 4:58
  from
• 4:58
  verses
• 4:59
  28
• 4:59
  and
• 4:59
  30
• 5:00
  talks
• 5:00
  about
• 5:00
  counting
• 5:01
  the
• 5:01
  cost
• 5:01
  before
• 5:01
  building
• 5:02
  a
• 5:02
  tower.
• 5:02
  And
• 5:02
  this
• 5:02
  is
• 5:03
  perfect
• 5:03
  for
• 5:03
  our
• 5:04
  discussion
• 5:04
  today.
• 5:05
  Suppose
• 5:05
  one
• 5:06
  of
• 5:06
  you
• 5:06
  wants
• 5:06
  to
• 5:06
  build
• 5:06
  a
• 5:07
  tower.
• 5:07
  Won't
• 5:08
  you
• 5:08
  first
• 5:08
  sit
• 5:09
  down
• 5:09
  and
• 5:09
  estimate
• 5:10
  the
• 5:10
  cost
• 5:10
  to
• 5:10
  see
• 5:10
  if
• 5:11
  you
• 5:11
  have
• 5:11
  enough
• 5:11
  money
• 5:11
  to
• 5:12
  complete
• 5:12
  it?
• 5:13
  For
• 5:13
  if
• 5:13
  you
• 5:13
  lay
• 5:14
  the
• 5:14
  foundation
• 5:14
  and
• 5:15
  are
• 5:15
  not
• 5:15
  able
• 5:15
  to
• 5:16
  finish
• 5:16
  it,
• 5:16
  everyone
• 5:17
  who
• 5:17
  sees
• 5:17
  it
• 5:17
  will
• 5:17
  ridicule
• 5:18
  you.
• 5:19
  What
• 5:19
  a
• 5:20
  beautiful
• 5:20
  verse
• 5:21
  that
• 5:21
  really
• 5:21
  addresses
• 5:22
  exactly
• 5:22
  what
• 5:22
  we're
• 5:23
  talking
• 5:23
  about.
• 5:24
  If
• 5:24
  you
• 5:24
  lay
• 5:25
  the
• 5:25
  foundation
• 5:26
  and
• 5:26
  you're
• 5:27
  not
• 5:27
  able
• 5:27
  to
• 5:27
  finish
• 5:28
  it,
• 5:29
  everyone's
• 5:30
  going
• 5:30
  to
• 5:30
  ridicule
• 5:31
  you.
• 5:32
  But
• 5:32
  what
• 5:32
  does
• 5:32
  it
• 5:32
  start
• 5:33
  with?
• 5:33
  It
• 5:33
  starts
• 5:33
  with
• 5:34
  you.
• 5:34
  Sit
• 5:34
  down
• 5:34
  and
• 5:35
  estimate
• 5:35
  the
• 5:35
  cost
• 5:37
  and
• 5:37
  then
• 5:37
  see
• 5:37
  if
• 5:37
  you
• 5:38
  have
• 5:38
  enough
• 5:38
  money
• 5:38
  to
• 5:38
  complete
• 5:39
  it.
• 5:39
  See,
• 5:40
  building
• 5:40
  a
• 5:40
  home
• 5:40
  is
• 5:41
  a
• 5:41
  lot
• 5:41
  like
• 5:41
  building
• 5:41
  that
• 5:42
  tower.
• 5:43
  It
• 5:43
  requires
• 5:43
  a
• 5:44
  careful
• 5:44
  estimation
• 5:45
  of
• 5:45
  the
• 5:45
  full
• 5:46
  cost.
• 5:47
  And
• 5:47
  bigger
• 5:48
  than
• 5:48
  that,
• 5:48
  you've
• 5:48
  got
• 5:48
  to
• 5:48
  have
• 5:49
  an
• 5:49
  honest
• 5:49
  assessment
• 5:50
  of
• 5:50
  whether
• 5:50
  you
• 5:50
  have
• 5:51
  the
• 5:51
  resources
• 5:52
  and
• 5:52
  the
• 5:52
  stability
• 5:53
  to
• 5:53
  not
• 5:53
  only
• 5:53
  complete
• 5:54
  that
• 5:54
  purchase,
• 5:55
  but
• 5:55
  then
• 5:55
  maintain
• 5:56
  it.
• 5:57
  So
• 5:57
  let's
• 5:57
  look
• 5:57
  back
• 5:58
  at
• 5:58
  the
• 5:58
  Bible
• 5:58
  again.
• 5:58
  Look
• 5:58
  at
• 5:59
  chapter
• 6:00
  24,
• 6:01
  verse
• 6:01
  27
• 6:02
  of
• 6:02
  Proverbs.
• 6:03
  Finish
• 6:03
  your
• 6:04
  outdoor
• 6:04
  work
• 6:04
  and
• 6:05
  get
• 6:05
  your
• 6:05
  fields
• 6:06
  ready.
• 6:07
  After
• 6:08
  that,
• 6:09
  build
• 6:09
  your
• 6:09
  house.
• 6:11
  Let's
• 6:11
  think
• 6:11
  about
• 6:11
  that
• 6:12
  again.
• 6:12
  Finish
• 6:12
  your
• 6:12
  outdoor
• 6:13
  work
• 6:13
  and
• 6:13
  get
• 6:13
  your
• 6:14
  fields
• 6:15
  ready.
• 6:16
  After
• 6:16
  that,
• 6:17
  build
• 6:17
  your
• 6:18
  house.
• 6:19
  See,
• 6:19
  this
• 6:19
  implies
• 6:20
  having
• 6:20
  your
• 6:20
  financial
• 6:21
  fields
• 6:21
  ready.
• 6:23
  You
• 6:24
  might
• 6:24
  be
• 6:24
  saying,
• 6:24
  rob,
• 6:24
  what
• 6:25
  in
• 6:25
  the
• 6:25
  world
• 6:25
  are
• 6:25
  you
• 6:26
  talking
• 6:26
  about?
• 6:26
  What
• 6:26
  does
• 6:26
  that
• 6:27
  look
• 6:27
  like?
• 6:29
  Well,
• 6:29
  I'm
• 6:29
  thinking
• 6:29
  that
• 6:30
  savings.
• 6:31
  Do
• 6:31
  you
• 6:31
  have
• 6:32
  savings?
• 6:32
  Are
• 6:32
  you
• 6:32
  prepared
• 6:33
  for
• 6:33
  this?
• 6:33
  Are
• 6:33
  your
• 6:34
  debts
• 6:34
  under
• 6:34
  control?
• 6:36
  Because
• 6:36
  you
• 6:36
  got
• 6:37
  to
• 6:37
  be
• 6:37
  ready
• 6:37
  before
• 6:38
  taking
• 6:38
  on
• 6:38
  some
• 6:39
  large
• 6:39
  expense
• 6:40
  of
• 6:40
  building
• 6:40
  or
• 6:41
  buying
• 6:41
  a
• 6:41
  home.
• 6:42
  And
• 6:43
  like
• 6:43
  I
• 6:43
  said
• 6:43
  a
• 6:43
  few
• 6:43
  minutes
• 6:44
  ago,
• 6:44
  approaching
• 6:44
  homeownership
• 6:45
  as
• 6:46
  a
• 6:46
  major
• 6:46
  stewardship
• 6:47
  decision,
• 6:49
  seeking
• 6:49
  God's
• 6:49
  wisdom.
• 6:50
  That,
• 6:50
  and
• 6:50
  honestly
• 6:51
  counting
• 6:52
  the
• 6:52
  cost,
• 6:53
  making
• 6:53
  sure
• 6:53
  that
• 6:54
  it's
• 6:54
  a
• 6:54
  step
• 6:54
  towards
• 6:55
  stability
• 6:55
  and
• 6:56
  peace
• 6:56
  and
• 6:56
  not
• 6:57
  some
• 6:57
  overwhelming
• 6:58
  burden.
• 7:00
  So
• 7:00
  now
• 7:01
  you're
• 7:01
  probably
• 7:01
  asking,
• 7:01
  Ralph,
• 7:02
  what
• 7:02
  can
• 7:02
  we
• 7:02
  do?
• 7:02
  How
• 7:03
  do
• 7:03
  we
• 7:03
  navigate
• 7:03
  this
• 7:04
  complex
• 7:04
  decision
• 7:05
  of
• 7:05
  buying
• 7:05
  a
• 7:06
  home?
• 7:06
  With
• 7:06
  wisdom
• 7:07
  and
• 7:07
  without
• 7:08
  getting
• 7:08
  into
• 7:08
  that
• 7:08
  point
• 7:09
  of
• 7:09
  stress.
• 7:09
  And
• 7:09
  I've
• 7:09
  got
• 7:10
  a
• 7:10
  solution
• 7:10
  today.
• 7:11
  I
• 7:11
  think
• 7:11
  you
• 7:11
  need
• 7:11
  to
• 7:12
  prayerfully
• 7:12
  and
• 7:13
  realistically
• 7:13
  assess
• 7:14
  your
• 7:14
  financial
• 7:15
  readiness
• 7:16
  and
• 7:16
  then
• 7:17
  determine
• 7:17
  if
• 7:17
  you're
• 7:18
  truly
• 7:18
  comfortable
• 7:19
  and
• 7:19
  you
• 7:20
  can
• 7:20
  afford
• 7:20
  it
• 7:21
  based
• 7:21
  on
• 7:21
  your
• 7:21
  budget,
• 7:22
  based
• 7:22
  on
• 7:22
  your
• 7:23
  savings
• 7:23
  goals,
• 7:24
  before
• 7:24
  you
• 7:24
  even
• 7:25
  think
• 7:25
  about
• 7:25
  looking
• 7:26
  for
• 7:26
  a
• 7:26
  home,
• 7:27
  talking
• 7:27
  to
• 7:27
  a
• 7:27
  lender,
• 7:28
  or
• 7:28
  any
• 7:28
  of
• 7:28
  that,
• 7:29
  that
• 7:29
  means
• 7:29
  doing
• 7:29
  your
• 7:30
  homework
• 7:30
  first
• 7:32
  to
• 7:32
  determine
• 7:33
  what
• 7:33
  you
• 7:33
  can
• 7:33
  truly
• 7:34
  afford.
• 7:35
  And
• 7:35
  I'm
• 7:35
  going
• 7:35
  to
• 7:36
  add
• 7:36
  this
• 7:36
  word
• 7:36
  to
• 7:36
  the
• 7:36
  end
• 7:37
  of
• 7:37
  that.
• 7:37
  What
• 7:37
  you
• 7:38
  can
• 7:38
  truly
• 7:38
  Afford
• 7:39
  comfortably.
• 7:40
  Okay,
• 7:40
  well,
• 7:40
  here's
• 7:41
  your
• 7:41
  one
• 7:41
  vital
• 7:42
  action
• 7:42
  step
• 7:42
  for
• 7:42
  today,
• 7:43
  specifically
• 7:44
  laser
• 7:44
  focused
• 7:44
  on
• 7:45
  realistically
• 7:46
  assessing
• 7:46
  your
• 7:46
  home
• 7:47
  buying
• 7:47
  read.
• 7:48
  I
• 7:48
  want
• 7:48
  you
• 7:48
  to
• 7:49
  start
• 7:49
  with
• 7:49
  your
• 7:49
  budget.
• 7:49
  Look
• 7:50
  at
• 7:50
  your
• 7:50
  budget,
• 7:51
  and
• 7:51
  then
• 7:51
  I
• 7:51
  want
• 7:51
  you
• 7:52
  to
• 7:52
  honestly
• 7:52
  assess
• 7:53
  how
• 7:53
  much
• 7:53
  you
• 7:53
  realistically
• 7:54
  have
• 7:54
  saved.
• 7:55
  Because
• 7:56
  if
• 7:56
  you're
• 7:56
  going
• 7:56
  to
• 7:56
  have
• 7:56
  to
• 7:57
  buy
• 7:57
  a
• 7:57
  house,
• 7:57
  you're
• 7:57
  going
• 7:57
  to
• 7:58
  need
• 7:58
  money,
• 7:58
  most
• 7:58
  likely
• 7:59
  for
• 7:59
  a
• 7:59
  down
• 7:59
  payment
• 8:00
  and
• 8:00
  for
• 8:00
  closing
• 8:01
  costs.
• 8:02
  So
• 8:02
  start
• 8:02
  there.
• 8:03
  Do
• 8:03
  you
• 8:03
  have
• 8:03
  a
• 8:03
  budget
• 8:04
  that
• 8:04
  will
• 8:04
  support
• 8:04
  this?
• 8:04
  And
• 8:05
  have
• 8:05
  you
• 8:05
  saved
• 8:06
  enough
• 8:06
  to
• 8:06
  handle
• 8:06
  the
• 8:07
  down
• 8:07
  payment
• 8:07
  and
• 8:07
  closing
• 8:08
  costs?
• 8:09
  But
• 8:09
  then
• 8:09
  I
• 8:09
  want
• 8:09
  you
• 8:09
  to
• 8:10
  go
• 8:10
  a
• 8:10
  step
• 8:10
  further
• 8:11
  and
• 8:11
  ask
• 8:12
  yourself,
• 8:12
  do
• 8:12
  you
• 8:13
  have
• 8:13
  a
• 8:13
  solid
• 8:13
  emergency
• 8:14
  fund
• 8:15
  in,
• 8:15
  in
• 8:15
  place
• 8:15
  separate
• 8:16
  from
• 8:16
  what
• 8:16
  you've
• 8:16
  saved
• 8:17
  for
• 8:17
  the
• 8:17
  down
• 8:18
  payment
• 8:18
  and
• 8:18
  closing
• 8:18
  costs?
• 8:19
  Do
• 8:19
  you
• 8:19
  have
• 8:19
  an
• 8:20
  emergency
• 8:20
  fund
• 8:20
  in
• 8:21
  place?
• 8:21
  Because
• 8:21
  guess
• 8:21
  what,
• 8:22
  as
• 8:22
  a
• 8:22
  homeowner,
• 8:23
  it's
• 8:23
  going
• 8:23
  to
• 8:23
  be
• 8:24
  even
• 8:24
  more
• 8:24
  important
• 8:25
  once
• 8:26
  you
• 8:26
  do
• 8:26
  that
• 8:26
  and
• 8:26
  you're
• 8:26
  like,
• 8:26
  okay,
• 8:27
  good,
• 8:27
  yes,
• 8:27
  I've
• 8:27
  got
• 8:27
  the
• 8:28
  money
• 8:28
  saved
• 8:28
  up,
• 8:29
  there's
• 8:29
  room
• 8:29
  in
• 8:29
  my
• 8:30
  budget,
• 8:30
  I've
• 8:30
  got
• 8:30
  that
• 8:30
  emergency
• 8:31
  fund.
• 8:31
  The
• 8:31
  next
• 8:32
  thing
• 8:32
  you
• 8:32
  do
• 8:32
  is
• 8:32
  start
• 8:33
  to
• 8:33
  estimate
• 8:33
  what
• 8:33
  your
• 8:34
  comfortable
• 8:34
  monthly
• 8:35
  payment
• 8:35
  could
• 8:35
  be.
• 8:36
  Think
• 8:36
  about
• 8:36
  your
• 8:36
  budget.
• 8:37
  What
• 8:37
  is
• 8:37
  realistic,
• 8:38
  what
• 8:38
  is
• 8:38
  comfortable,
• 8:39
  what
• 8:39
  you
• 8:39
  can
• 8:39
  afford
• 8:40
  in
• 8:40
  a
• 8:41
  total
• 8:41
  monthly
• 8:41
  housing
• 8:42
  payment.
• 8:42
  Now,
• 8:42
  this
• 8:42
  is
• 8:42
  going
• 8:43
  to
• 8:43
  include
• 8:43
  your
• 8:43
  mortgage.
• 8:44
  It's
• 8:44
  going
• 8:44
  to
• 8:44
  include
• 8:44
  both
• 8:45
  the
• 8:45
  principal
• 8:45
  and
• 8:45
  the
• 8:46
  interest,
• 8:46
  property
• 8:47
  taxes,
• 8:48
  your
• 8:48
  homeowner's
• 8:48
  insurance.
• 8:49
  Maybe
• 8:49
  if
• 8:49
  you're
• 8:50
  not
• 8:50
  putting
• 8:50
  more
• 8:50
  than
• 8:50
  20%
• 8:51
  down,
• 8:51
  you're
• 8:52
  going
• 8:52
  to
• 8:52
  have
• 8:52
  to
• 8:52
  do
• 8:52
  something
• 8:52
  called
• 8:53
  private
• 8:53
  mortgage
• 8:53
  insurance.
• 8:54
  I
• 8:54
  don't
• 8:54
  have
• 8:54
  time
• 8:54
  to
• 8:54
  cover
• 8:54
  that
• 8:55
  today.
• 8:55
  And
• 8:55
  maybe
• 8:56
  HOA
• 8:56
  fees.
• 8:57
  Now
• 8:57
  listen,
• 8:58
  a
• 8:58
  common
• 8:58
  guideline
• 8:59
  is
• 9:00
  to
• 9:00
  keep
• 9:00
  between
• 9:01
  25
• 9:01
  and
• 9:02
  30%
• 9:02
  of
• 9:03
  your
• 9:03
  monthly
• 9:03
  take
• 9:03
  home
• 9:04
  to
• 9:04
  not
• 9:04
  be
• 9:04
  any
• 9:05
  more
• 9:05
  than
• 9:05
  your
• 9:05
  payment.
• 9:06
  So
• 9:06
  in
• 9:06
  other
• 9:07
  words,
• 9:07
  if
• 9:07
  you
• 9:07
  make
• 9:07
  $1,000
• 9:08
  a
• 9:08
  month,
• 9:08
  which
• 9:09
  a
• 9:09
  lot
• 9:09
  of
• 9:09
  people
• 9:09
  not
• 9:09
  making
• 9:09
  a
• 9:09
  thousand
• 9:10
  dollars
• 9:10
  going
• 9:10
  by
• 9:10
  a
• 9:10
  house,
• 9:10
  well,
• 9:10
  let's
• 9:11
  just
• 9:11
  say
• 9:11
  you
• 9:11
  made
• 9:11
  $1,000
• 9:12
  a
• 9:12
  month.
• 9:13
  You
• 9:13
  wouldn't
• 9:14
  want
• 9:14
  to
• 9:14
  have
• 9:14
  a
• 9:14
  mortgage
• 9:14
  payment
• 9:15
  more
• 9:15
  than
• 9:15
  $250
• 9:16
  a
• 9:16
  month.
• 9:17
  And
• 9:18
  see,
• 9:18
  that
• 9:18
  might
• 9:18
  not
• 9:18
  be
• 9:19
  what
• 9:19
  your
• 9:19
  actual
• 9:19
  budget
• 9:20
  says,
• 9:20
  but
• 9:20
  this
• 9:20
  is
• 9:20
  what
• 9:20
  you
• 9:21
  truly
• 9:21
  feel
• 9:21
  comfortable
• 9:22
  with
• 9:22
  without
• 9:23
  sacrificing
• 9:23
  your
• 9:24
  other
• 9:24
  financial
• 9:24
  goals
• 9:25
  like
• 9:25
  saving
• 9:25
  and
• 9:26
  debt
• 9:26
  payoff.
• 9:27
  And
• 9:28
  you
• 9:28
  can
• 9:28
  find
• 9:28
  this
• 9:28
  by
• 9:28
  going
• 9:29
  right
• 9:29
  online.
• 9:29
  There's
• 9:29
  a
• 9:30
  ton
• 9:30
  of
• 9:30
  online
• 9:30
  mortgage
• 9:31
  affordability
• 9:32
  calculators.
• 9:32
  You
• 9:32
  could
• 9:33
  play
• 9:33
  with
• 9:33
  the
• 9:33
  numbers
• 9:33
  and
• 9:34
  put
• 9:34
  in.
• 9:34
  You
• 9:34
  know,
• 9:34
  this
• 9:35
  is
• 9:35
  how
• 9:35
  much
• 9:35
  of
• 9:35
  the
• 9:35
  house
• 9:35
  is
• 9:36
  going
• 9:36
  to
• 9:36
  be,
• 9:36
  this
• 9:36
  is
• 9:37
  the
• 9:37
  interest
• 9:37
  rate,
• 9:37
  this
• 9:38
  is
• 9:38
  a
• 9:38
  term,
• 9:39
  and
• 9:39
  determine
• 9:39
  what
• 9:39
  you
• 9:40
  feel
• 9:40
  comfortable
• 9:40
  with.
• 9:41
  And
• 9:41
  once
• 9:41
  you
• 9:42
  do
• 9:42
  that,
• 9:42
  then
• 9:42
  you
• 9:43
  can
• 9:43
  determine
• 9:43
  what
• 9:43
  is
• 9:43
  a
• 9:44
  realistic
• 9:44
  price
• 9:45
  range
• 9:45
  for
• 9:45
  yourself
• 9:46
  and
• 9:46
  you're
• 9:46
  going
• 9:46
  to
• 9:46
  look
• 9:46
  at
• 9:47
  how
• 9:47
  much
• 9:47
  do
• 9:47
  you
• 9:47
  have
• 9:47
  to
• 9:47
  put
• 9:47
  down
• 9:48
  and
• 9:48
  then
• 9:48
  estimate
• 9:49
  how
• 9:49
  much
• 9:49
  of
• 9:50
  a
• 9:50
  monthly
• 9:50
  payment
• 9:50
  that
• 9:50
  you
• 9:51
  can
• 9:51
  realistically
• 9:52
  afford
• 9:52
  and
• 9:53
  comfortably
• 9:53
  afford.
• 9:54
  And
• 9:54
  here's
• 9:54
  the
• 9:54
  thing
• 9:54
  I'm
• 9:55
  going
• 9:55
  to
• 9:55
  say
• 9:55
  right
• 9:55
  now,
• 9:55
  this
• 9:55
  is
• 9:56
  not
• 9:56
  going
• 9:56
  to
• 9:56
  be
• 9:56
  popular.
• 9:57
  Not
• 9:57
  the
• 9:58
  maximum
• 9:58
  amount.
• 9:58
  A
• 9:59
  lender
• 9:59
  says
• 9:59
  that
• 10:00
  you
• 10:00
  qualify
• 10:00
  for
• 10:00
  it
• 10:01
  because
• 10:01
  this
• 10:01
  is
• 10:01
  critical.
• 10:02
  A
• 10:02
  lender
• 10:03
  might
• 10:03
  say,
• 10:03
  oh,
• 10:03
  your
• 10:04
  income
• 10:04
  is
• 10:04
  great.
• 10:04
  You
• 10:04
  can
• 10:05
  qualify
• 10:05
  for
• 10:05
  a
• 10:05
  mortgage
• 10:06
  up
• 10:06
  to
• 10:06
  $3,000
• 10:07
  a
• 10:07
  month.
• 10:08
  But
• 10:09
  then
• 10:09
  ask
• 10:09
  yourself,
• 10:09
  are
• 10:10
  you
• 10:10
  going
• 10:10
  to
• 10:10
  be
• 10:10
  comfortable
• 10:11
  with
• 10:11
  a
• 10:11
  $3,000
• 10:12
  a
• 10:13
  month
• 10:13
  mortgage?
• 10:13
  This
• 10:13
  is
• 10:13
  just
• 10:13
  so
• 10:14
  critical.
• 10:14
  And
• 10:15
  listen,
• 10:15
  don't
• 10:15
  forget
• 10:16
  to
• 10:16
  pray
• 10:16
  for
• 10:16
  guidance.
• 10:16
  A
• 10:17
  lot
• 10:17
  of
• 10:17
  people
• 10:17
  miss
• 10:17
  this
• 10:18
  part.
• 10:18
  I'm
• 10:19
  going
• 10:19
  to
• 10:19
  encourage
• 10:19
  you
• 10:19
  to
• 10:19
  pray
• 10:20
  specifically
• 10:20
  and
• 10:21
  intently
• 10:21
  for
• 10:21
  wisdom
• 10:22
  and
• 10:22
  clear
• 10:23
  guidance
• 10:23
  from
• 10:23
  God
• 10:25
  on
• 10:25
  whether
• 10:25
  this
• 10:25
  is
• 10:26
  the
• 10:26
  right
• 10:26
  decision
• 10:26
  for
• 10:27
  you
• 10:27
  and
• 10:28
  whether
• 10:28
  this
• 10:28
  is
• 10:28
  the
• 10:28
  right
• 10:28
  decision
• 10:29
  for
• 10:29
  you
• 10:29
  to
• 10:29
  make
• 10:29
  right
• 10:29
  now.
• 10:30
  Is
• 10:30
  this
• 10:30
  the
• 10:30
  right
• 10:30
  financial
• 10:31
  step
• 10:31
  to
• 10:32
  align
• 10:32
  his
• 10:33
  plan
• 10:33
  for
• 10:33
  your
• 10:34
  life?
• 10:35
  And
• 10:35
  while
• 10:35
  you're
• 10:35
  praying,
• 10:36
  ask
• 10:36
  for
• 10:36
  peace
• 10:37
  in
• 10:37
  it,
• 10:37
  whatever
• 10:38
  that
• 10:38
  might
• 10:38
  look
• 10:38
  like
• 10:39
  for
• 10:39
  you.
• 10:40
  Because
• 10:40
  all
• 10:40
  the
• 10:41
  things
• 10:41
  I've
• 10:41
  talked
• 10:41
  about
• 10:41
  today
• 10:42
  are
• 10:42
  going
• 10:42
  to
• 10:42
  help
• 10:43
  directly
• 10:43
  fight
• 10:43
  that
• 10:44
  struggle
• 10:44
  of
• 10:44
  uncertainty
• 10:45
  and
• 10:45
  that
• 10:45
  stress
• 10:46
  of
• 10:46
  overextending
• 10:47
  yourself.
• 10:49
  And
• 10:49
  it
• 10:49
  replaces
• 10:50
  that
• 10:50
  guesswork
• 10:50
  and
• 10:51
  all
• 10:51
  those
• 10:51
  pressures
• 10:51
  that
• 10:52
  you
• 10:52
  feel
• 10:52
  from
• 10:52
  society
• 10:53
  with
• 10:53
  some
• 10:53
  concrete,
• 10:54
  realistic
• 10:55
  numbers
• 10:55
  based
• 10:55
  on
• 10:55
  your
• 10:56
  actual
• 10:56
  situation.
• 10:58
  It
• 10:58
  ensures
• 10:58
  that
• 10:58
  when
• 10:59
  you're
• 10:59
  ready
• 10:59
  to
• 10:59
  buy,
• 11:01
  it's
• 11:01
  a
• 11:01
  prayerful,
• 11:02
  informed
• 11:02
  decision
• 11:02
  that
• 11:03
  fits
• 11:03
  comfortably.
• 11:04
  I'm
• 11:04
  using
• 11:04
  that
• 11:04
  word
• 11:04
  again,
• 11:05
  into
• 11:06
  your
• 11:06
  overall
• 11:06
  financial
• 11:07
  picture
• 11:07
  leading
• 11:08
  to
• 11:08
  peace
• 11:09
  instead
• 11:10
  of
• 11:10
  just
• 11:10
  overwhelming
• 11:11
  stress.
• 11:11
  And
• 11:11
  I
• 11:12
  see
• 11:12
  that
• 11:12
  with
• 11:12
  so
• 11:12
  many
• 11:13
  people
• 11:13
  that
• 11:13
  buy
• 11:13
  a
• 11:14
  home,
• 11:14
  they
• 11:14
  just
• 11:14
  get
• 11:14
  into
• 11:14
  overwhelming
• 11:15
  stress.
• 11:16
  Well,
• 11:17
  let's
• 11:17
  pray
• 11:17
  together
• 11:17
  now.
• 11:18
  Father
• 11:19
  God,
• 11:19
  we
• 11:19
  just
• 11:19
  thank
• 11:20
  you
• 11:20
  for
• 11:20
  the
• 11:20
  desire
• 11:20
  for
• 11:21
  stability
• 11:21
  and
• 11:22
  a
• 11:22
  home.
• 11:23
  We
• 11:23
  confess
• 11:23
  that
• 11:23
  the
• 11:24
  decision
• 11:24
  to
• 11:24
  buy
• 11:25
  a
• 11:25
  home
• 11:25
  is
• 11:25
  complex
• 11:26
  and
• 11:27
  it
• 11:27
  can
• 11:27
  bring
• 11:27
  significant
• 11:28
  financial
• 11:28
  stress
• 11:29
  into
• 11:29
  our
• 11:29
  lives.
• 11:30
  So
• 11:31
  Lord,
• 11:31
  we
• 11:31
  just
• 11:31
  ask
• 11:31
  that
• 11:32
  you
• 11:32
  would
• 11:32
  grant
• 11:32
  us
• 11:32
  wisdom
• 11:33
  and
• 11:33
  grant
• 11:33
  us
• 11:33
  clarity
• 11:35
  as
• 11:35
  we
• 11:35
  realistically
• 11:36
  assess
• 11:36
  our
• 11:37
  readiness
• 11:37
  and
• 11:38
  realistically
• 11:38
  assess
• 11:39
  our
• 11:39
  affordability.
• 11:41
  And
• 11:41
  just
• 11:42
  show
• 11:42
  us
• 11:42
  the
• 11:42
  full
• 11:42
  cost
• 11:43
  of
• 11:43
  this,
• 11:43
  Lord,
• 11:43
  and
• 11:44
  help
• 11:44
  us
• 11:44
  make
• 11:44
  a
• 11:44
  decision
• 11:45
  that
• 11:45
  aligns
• 11:45
  with
• 11:45
  your
• 11:46
  will
• 11:46
  and
• 11:46
  with
• 11:47
  our
• 11:47
  true
• 11:47
  financial
• 11:48
  health.
• 11:49
  And
• 11:50
  Lord,
• 11:50
  just
• 11:50
  guide
• 11:50
  us
• 11:50
  in
• 11:51
  saving
• 11:51
  diligently
• 11:52
  for
• 11:52
  this
• 11:52
  goal
• 11:52
  if
• 11:52
  it
• 11:53
  is
• 11:53
  your
• 11:53
  plan.
• 11:53
  And
• 11:54
  may
• 11:54
  our
• 11:54
  home
• 11:54
  decisions
• 11:55
  be
• 11:55
  rooted
• 11:55
  in
• 11:56
  peace
• 11:56
  and
• 11:56
  and
• 11:57
  wise
• 11:57
  stewardship,
• 11:58
  not
• 11:58
  pressure
• 11:58
  or
• 11:59
  anxiety.
• 11:59
  And
• 12:00
  we
• 12:00
  ask
• 12:00
  this
• 12:00
  in
• 12:01
  confidence
• 12:02
  in
• 12:02
  Jesus
• 12:03
  name.
• 12:04
  Amen.
• 12:05
  See,
• 12:05
  deciding
• 12:06
  whether
• 12:06
  and
• 12:06
  when
• 12:07
  to
• 12:07
  buy
• 12:07
  a
• 12:07
  home,
• 12:07
  it's
• 12:08
  a
• 12:08
  major
• 12:09
  decision.
• 12:10
  You
• 12:10
  got
• 12:10
  to
• 12:11
  do
• 12:11
  your
• 12:11
  homework.
• 12:11
  You've
• 12:11
  got
• 12:11
  to
• 12:12
  count
• 12:12
  the
• 12:12
  full
• 12:12
  cost
• 12:13
  and
• 12:13
  do
• 12:13
  it
• 12:13
  realistically
• 12:14
  and
• 12:15
  seek
• 12:15
  God
• 12:15
  guidance
• 12:16
  so
• 12:17
  you
• 12:17
  can
• 12:17
  make
• 12:17
  an
• 12:17
  informed
• 12:18
  decision.
• 12:19
  That's
• 12:19
  the
• 12:19
  key
• 12:20
  because
• 12:20
  you
• 12:20
  want
• 12:20
  to
• 12:21
  have
• 12:21
  peace,
• 12:21
  not
• 12:22
  more
• 12:22
  stress.
• 12:23
  And
• 12:24
  if
• 12:24
  you're
• 12:24
  considering
• 12:24
  buying
• 12:25
  a
• 12:25
  home,
• 12:25
  other
• 12:25
  people
• 12:26
  might
• 12:26
  be
• 12:26
  considering
• 12:26
  as
• 12:27
  well.
• 12:27
  So
• 12:27
  share
• 12:27
  this
• 12:28
  episode
• 12:28
  with
• 12:28
  them.
• 12:29
  Say,
• 12:29
  hey,
• 12:29
  I
• 12:29
  listened
• 12:29
  to
• 12:30
  this
• 12:30
  guy
• 12:30
  Ralph
• 12:30
  and
• 12:31
  he
• 12:31
  really,
• 12:31
  he
• 12:31
  really
• 12:32
  put
• 12:32
  it
• 12:32
  together
• 12:32
  for
• 12:33
  us
• 12:33
  about
• 12:34
  how
• 12:34
  we
• 12:34
  should
• 12:34
  go
• 12:35
  about
• 12:35
  thinking
• 12:35
  about
• 12:35
  buying
• 12:36
  a
• 12:36
  home.
• 12:36
  You
• 12:37
  can
• 12:37
  find
• 12:37
  resources
• 12:38
  and
• 12:38
  connect
• 12:38
  with
• 12:38
  our
• 12:38
  show
• 12:38
  at
• 12:39
  our
• 12:39
  website.
• 12:39
  That's@financiallyconfidentchristian.com
• 12:43
  and
• 12:43
  listen,
• 12:43
  I've
• 12:44
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• 13:00
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  into
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  our
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  mortgage
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  and
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  buying
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• 13:12
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• 13:12
  practical
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  you
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  can
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• 13:18
  We're
• 13:19
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  talk
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  about
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  how
• 13:19
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  there
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  be
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  financially
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  Christians.
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  you
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  today.
• 13:40
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  you
• 13:40
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  joining
• 13:41
  us
• 13:41
  today
• 13:41
  on
• 13:41
  the
• 13:42
  Financially
• 13:42
  Confident
• 13:43
  Christian
• 13:44
  show
• 13:44
  where
• 13:44
  we're
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  breaking
• 13:45
  the
• 13:45
  cycle
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  of
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  financial
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• 13:46
  with
• 13:47
  confidence
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  and
• 13:47
  fai.
• 13:48
  If
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  you
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  found
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  right
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  for
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  our
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  next
• 13:54
  conversation.
• 13:55
  And
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  remember,
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  financial
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  don't
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  overwhelming.
• 13:58
  Just
• 13:59
  Ask
• 13:59
  Ralph.
• 14:00
  This
• 14:00
  show
• 14:00
  is
• 14:00
  a
• 14:00
  production
• 14:01
  of
• 14:01
  Ask
• 14:01
  Ralph
• 14:02
  Media
• 14:02
  and
• 14:02
  is
• 14:02
  supported
• 14:03
  by
• 14:03
  Saggio
• 14:03
  Accounting
• 14:04
  Plus.
• 14:05
  The
• 14:05
  information
• 14:05
  shared
• 14:06
  in
• 14:06
  this
• 14:06
  episode
• 14:06
  is
• 14:07
  based
• 14:07
  on
• 14:07
  data
• 14:07
  available
• 14:08
  as
• 14:08
  of
• 14:08
  the
• 14:08
  date
• 14:09
  of
• 14:09
  release.
• 14:10
  Sajio
• 14:10
  Accounting
• 14:11
  plus
• 14:11
  and
• 14:12
  Ask
• 14:12
  Ralph
• 14:12
  Media,
• 14:13
  Inc.
• 14:13
  Are
• 14:13
  under
• 14:14
  no
• 14:14
  obligation
• 14:14
  to
• 14:15
  update
• 14:15
  this
• 14:15
  content
• 14:15
  if
• 14:16
  circumstances
• 14:16
  change.
• 14:18
  Please
• 14:18
  note
• 14:18
  that
• 14:18
  applying
• 14:19
  this
• 14:19
  information
• 14:19
  to
• 14:19
  your
• 14:20
  personal
• 14:20
  situation
• 14:21
  requires
• 14:22
  careful
• 14:22
  consideration.
• 14:23
  This
• 14:24
  episode
• 14:24
  is
• 14:24
  not
• 14:24
  intended
• 14:25
  to
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  serve
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  as
• 14:25
  financial,
• 14:26
  tax
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  legal
• 14:27
  advice.
• 14:28
  Always
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• 14:29
  your
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  trusted
• 14:30
  tax
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  advisor
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  or
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  attorney
• 14:31
  before
• 14:32
  taking
• 14:32
  action
• 14:32
  based
• 14:33
  on
• 14:33
  anything
• 14:33
  we've
• 14:34
  discussed.