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Why Do I Feel Like My Financial Progress Doesn’t Stick? · Becoming Financially Confident

• 0:38
  Let's
• 0:38
  face
• 0:38
  it,
• 0:38
  you've
• 0:39
  worked
• 0:39
  hard.
• 0:39
  You
• 0:40
  set
• 0:40
  that
• 0:40
  budget,
• 0:41
  maybe
• 0:42
  started
• 0:42
  saving
• 0:43
  money,
• 0:43
  maybe
• 0:43
  even
• 0:43
  knocked
• 0:44
  some
• 0:44
  debt
• 0:44
  out.
• 0:45
  Progress
• 0:46
  is
• 0:46
  happening.
• 0:47
  But
• 0:48
  then,
• 0:48
  like
• 0:48
  most
• 0:49
  of
• 0:49
  us,
• 0:49
  it
• 0:49
  just
• 0:49
  slips
• 0:50
  away.
• 0:51
  A
• 0:51
  missed
• 0:51
  day
• 0:52
  turns
• 0:52
  into
• 0:52
  a
• 0:52
  missed
• 0:53
  week.
• 0:53
  A
• 0:54
  small
• 0:54
  overspend
• 0:54
  becomes
• 0:55
  a
• 0:55
  setback.
• 0:56
  And
• 0:56
  suddenly,
• 0:57
  for
• 0:58
  so
• 0:58
  many
• 0:58
  of
• 0:58
  us,
• 0:59
  we
• 0:59
  find
• 0:59
  ourselves
• 1:00
  right
• 1:00
  back
• 1:00
  at
• 1:01
  square
• 1:01
  one.
• 1:02
  And
• 1:02
  if
• 1:02
  you've
• 1:02
  ever
• 1:03
  thought
• 1:03
  this,
• 1:03
  why
• 1:03
  can't
• 1:04
  I
• 1:04
  seem
• 1:04
  to
• 1:04
  make
• 1:04
  progress
• 1:05
  stick?
• 1:05
  Ralph,
• 1:06
  when
• 1:06
  I
• 1:07
  tell
• 1:07
  you
• 1:07
  right
• 1:07
  now,
• 1:07
  you're
• 1:07
  not
• 1:08
  alone.
• 1:08
  In
• 1:08
  fact,
• 1:09
  research
• 1:09
  shows
• 1:10
  this.
• 1:10
  And
• 1:10
  I
• 1:10
  was
• 1:10
  astonished
• 1:11
  when
• 1:11
  I
• 1:11
  read
• 1:12
  this.
• 1:13
  80%
• 1:14
  of
• 1:14
  New
• 1:14
  Year's
• 1:15
  resolutions
• 1:15
  fail
• 1:16
  by
• 1:16
  February.
• 1:16
  I
• 1:16
  mentioned
• 1:17
  this
• 1:17
  to
• 1:17
  my
• 1:17
  wife
• 1:17
  and
• 1:17
  she
• 1:17
  said,
• 1:18
  ralph,
• 1:18
  most
• 1:18
  of
• 1:19
  them
• 1:19
  probably
• 1:19
  fail
• 1:20
  by
• 1:20
  January
• 1:21
  2nd.
• 1:22
  And
• 1:22
  unfortunately,
• 1:23
  these
• 1:23
  financial
• 1:24
  goals
• 1:24
  are
• 1:25
  among
• 1:25
  the
• 1:25
  first
• 1:25
  to
• 1:25
  crumble.
• 1:27
  And
• 1:27
  that's
• 1:27
  a
• 1:27
  sad
• 1:28
  statistic.
• 1:29
  But
• 1:29
  here's
• 1:29
  the
• 1:29
  good
• 1:30
  news,
• 1:30
  and
• 1:30
  this
• 1:30
  is
• 1:31
  truly
• 1:31
  groundbreaking
• 1:32
  good
• 1:32
  news.
• 1:34
  Lasting
• 1:34
  financial
• 1:34
  peace
• 1:35
  isn't
• 1:35
  built
• 1:36
  on
• 1:36
  perfection.
• 1:37
  I'm
• 1:37
  going
• 1:37
  to
• 1:38
  get
• 1:38
  into
• 1:38
  that
• 1:38
  a
• 1:38
  little
• 1:38
  bit
• 1:38
  more
• 1:39
  in
• 1:39
  the
• 1:39
  episode.
• 1:39
  But
• 1:40
  lasting
• 1:40
  financial
• 1:40
  peace
• 1:41
  isn't
• 1:41
  built
• 1:41
  on
• 1:42
  perfection.
• 1:43
  What
• 1:43
  it
• 1:43
  is
• 1:43
  built
• 1:44
  is
• 1:44
  on
• 1:45
  consistency,
• 1:46
  grace,
• 1:47
  and
• 1:47
  simple
• 1:47
  rhythms
• 1:48
  that
• 1:48
  carry
• 1:48
  you
• 1:48
  forward.
• 1:49
  So
• 1:49
  stick
• 1:49
  with
• 1:49
  me
• 1:49
  today.
• 1:50
  I'm
• 1:50
  going
• 1:50
  to
• 1:50
  uncover
• 1:51
  how
• 1:51
  to
• 1:51
  break
• 1:51
  that
• 1:51
  cycle
• 1:52
  of
• 1:52
  false
• 1:52
  starts
• 1:53
  and
• 1:53
  build
• 1:53
  habits
• 1:54
  that
• 1:54
  actually
• 1:54
  last.
• 1:55
  This
• 1:55
  is
• 1:55
  going
• 1:55
  to
• 1:55
  be
• 1:56
  a
• 1:56
  great
• 1:56
  episode
• 1:56
  today.
• 1:58
  This
• 1:59
  is
• 1:59
  Financially
• 2:00
  Confident
• 2:00
  Christian,
• 2:01
  your
• 2:01
  daily
• 2:01
  dose
• 2:02
  of
• 2:02
  gospel,
• 2:02
  grounded
• 2:03
  insight
• 2:03
  and
• 2:03
  faith
• 2:04
  driven
• 2:04
  tips
• 2:05
  to
• 2:05
  help
• 2:05
  you
• 2:05
  break
• 2:06
  the
• 2:06
  cycle
• 2:06
  of
• 2:06
  financial
• 2:07
  shame
• 2:07
  with
• 2:07
  confidence.
• 2:11
  Hey
• 2:11
  there.
• 2:12
  Welcome
• 2:12
  back
• 2:12
  to
• 2:12
  Financially
• 2:13
  Confident
• 2:13
  Christian.
• 2:14
  I'm
• 2:14
  Ralph
• 2:14
  and
• 2:14
  I'm
• 2:15
  so
• 2:15
  happy
• 2:15
  that
• 2:15
  you've
• 2:15
  chosen
• 2:15
  to
• 2:16
  join
• 2:16
  me
• 2:16
  today
• 2:16
  for
• 2:17
  just
• 2:17
  a
• 2:17
  little
• 2:17
  bit
• 2:17
  of
• 2:18
  your
• 2:18
  time.
• 2:18
  As
• 2:18
  we
• 2:19
  walk
• 2:19
  to
• 2:19
  become
• 2:20
  more
• 2:20
  financially
• 2:21
  confident
• 2:21
  Christians,
• 2:22
  my
• 2:22
  goal
• 2:23
  every
• 2:23
  day
• 2:23
  is
• 2:23
  to
• 2:23
  help
• 2:24
  you
• 2:24
  break
• 2:24
  that
• 2:24
  financial
• 2:25
  shame,
• 2:26
  those
• 2:26
  feelings
• 2:27
  like
• 2:27
  you're
• 2:27
  not
• 2:27
  good
• 2:28
  enough.
• 2:28
  Why
• 2:28
  do
• 2:28
  you
• 2:28
  feel
• 2:29
  like
• 2:29
  you're
• 2:29
  always
• 2:29
  stumbling
• 2:30
  and
• 2:31
  help
• 2:31
  you
• 2:31
  step
• 2:31
  back
• 2:31
  into
• 2:32
  confidence.
• 2:33
  And.
• 2:33
  And
• 2:33
  we're
• 2:33
  just
• 2:34
  about
• 2:34
  at
• 2:34
  the
• 2:34
  end
• 2:34
  of
• 2:34
  our
• 2:35
  series
• 2:35
  Breaking
• 2:36
  Financial
• 2:36
  Change.
• 2:36
  And
• 2:37
  in
• 2:37
  my
• 2:37
  mind
• 2:37
  I
• 2:37
  can
• 2:37
  just
• 2:37
  picture
• 2:38
  those
• 2:38
  changes
• 2:39
  bursting
• 2:39
  apart.
• 2:40
  And
• 2:40
  yesterday
• 2:41
  we
• 2:41
  talked
• 2:42
  about
• 2:42
  how
• 2:42
  to
• 2:42
  prepare
• 2:43
  for
• 2:43
  those
• 2:43
  big
• 2:44
  decisions.
• 2:45
  It's
• 2:45
  a
• 2:45
  great
• 2:45
  show.
• 2:46
  I'm
• 2:46
  gonna
• 2:46
  encourage
• 2:46
  you
• 2:47
  to
• 2:47
  go
• 2:47
  check
• 2:47
  it
• 2:47
  out.
• 2:47
  You
• 2:47
  can
• 2:47
  find
• 2:48
  all
• 2:48
  of
• 2:48
  our
• 2:48
  shows@financiallyconfidentchristian.com
• 2:52
  but
• 2:52
  today
• 2:53
  we're
• 2:53
  going
• 2:53
  to
• 2:53
  be
• 2:53
  like
• 2:54
  a
• 2:54
  stick
• 2:54
  in
• 2:54
  the
• 2:54
  mud.
• 2:55
  We're
• 2:55
  going
• 2:55
  to
• 2:55
  talk
• 2:56
  about
• 2:56
  why
• 2:56
  financial
• 2:56
  progress
• 2:57
  doesn't
• 2:57
  always
• 2:58
  stick.
• 2:58
  And
• 2:58
  listen,
• 2:59
  if
• 2:59
  you're
• 2:59
  listening
• 2:59
  right
• 2:59
  now,
• 3:00
  you're
• 3:00
  probably.
• 3:00
  Ralph,
• 3:01
  I.
• 3:01
  That
• 3:01
  is
• 3:01
  the
• 3:01
  truth,
• 3:02
  man.
• 3:02
  I
• 3:02
  am
• 3:02
  right
• 3:03
  there
• 3:03
  with
• 3:03
  you
• 3:04
  and
• 3:04
  for
• 3:04
  so
• 3:05
  many
• 3:05
  of
• 3:05
  us.
• 3:05
  And
• 3:05
  I'm
• 3:05
  one
• 3:06
  of
• 3:06
  those
• 3:06
  people
• 3:06
  as
• 3:06
  I'm
• 3:07
  talking
• 3:07
  right
• 3:07
  now.
• 3:08
  You
• 3:08
  start
• 3:09
  strong,
• 3:10
  you've
• 3:10
  got
• 3:10
  this
• 3:10
  gumption,
• 3:11
  you've
• 3:11
  got
• 3:11
  this
• 3:12
  energy.
• 3:12
  Maybe
• 3:13
  you've
• 3:13
  dived
• 3:13
  in
• 3:14
  and
• 3:14
  did
• 3:14
  that
• 3:14
  budget
• 3:15
  you.
• 3:15
  Ralph,
• 3:15
  I
• 3:15
  got
• 3:16
  a
• 3:16
  great
• 3:16
  budget.
• 3:16
  Income
• 3:17
  minus
• 3:17
  expenses.
• 3:18
  It
• 3:18
  looks
• 3:19
  fantastic.
• 3:20
  Or
• 3:20
  maybe
• 3:21
  for
• 3:21
  so
• 3:21
  many
• 3:21
  of
• 3:21
  us,
• 3:22
  you
• 3:22
  started
• 3:22
  saving.
• 3:23
  You
• 3:23
  started
• 3:23
  putting
• 3:23
  that
• 3:24
  money
• 3:24
  away
• 3:25
  every
• 3:25
  week,
• 3:25
  every
• 3:25
  paycheck.
• 3:26
  It
• 3:26
  was
• 3:26
  the
• 3:26
  first
• 3:26
  thing
• 3:27
  you
• 3:27
  did.
• 3:28
  Or
• 3:28
  maybe
• 3:29
  for
• 3:29
  you,
• 3:29
  it
• 3:30
  was
• 3:30
  paying
• 3:30
  off
• 3:30
  that
• 3:31
  debt.
• 3:31
  You
• 3:32
  had
• 3:32
  that
• 3:32
  mountain
• 3:33
  of
• 3:33
  debt
• 3:33
  in
• 3:33
  front
• 3:33
  of
• 3:34
  you
• 3:34
  and
• 3:34
  you're
• 3:34
  like,
• 3:34
  ralph,
• 3:34
  I
• 3:35
  finally
• 3:35
  paid
• 3:35
  it
• 3:36
  off.
• 3:37
  But
• 3:37
  unfortunately,
• 3:39
  and
• 3:39
  this
• 3:39
  is
• 3:39
  just
• 3:39
  a
• 3:40
  pure
• 3:40
  tragedy
• 3:40
  of
• 3:40
  what
• 3:41
  I've
• 3:41
  seen
• 3:41
  with
• 3:41
  people
• 3:41
  in
• 3:42
  their
• 3:42
  financial
• 3:43
  lives,
• 3:44
  momentum
• 3:44
  does
• 3:45
  fade.
• 3:46
  And
• 3:46
  maybe
• 3:46
  you've
• 3:47
  missed
• 3:47
  a
• 3:47
  day.
• 3:47
  Hey,
• 3:47
  maybe
• 3:48
  you've
• 3:48
  missed
• 3:48
  a
• 3:48
  week.
• 3:48
  Hey,
• 3:48
  Ralph,
• 3:49
  let's
• 3:49
  be
• 3:49
  honest.
• 3:49
  Maybe
• 3:49
  I
• 3:50
  missed
• 3:50
  a
• 3:50
  month
• 3:50
  or
• 3:50
  a
• 3:50
  year.
• 3:52
  And
• 3:52
  when
• 3:52
  you
• 3:52
  start
• 3:52
  to
• 3:53
  live
• 3:53
  in
• 3:53
  that,
• 3:54
  you
• 3:54
  start
• 3:55
  to
• 3:55
  feel
• 3:55
  this
• 3:55
  discouragement
• 3:57
  and
• 3:57
  that
• 3:57
  leads
• 3:58
  to
• 3:58
  self
• 3:58
  doubt.
• 3:58
  Hey,
• 3:59
  we're
• 3:59
  all
• 3:59
  guilty
• 3:59
  of
• 4:00
  this.
• 4:00
  When
• 4:01
  this
• 4:01
  momentum
• 4:01
  starts
• 4:02
  to
• 4:02
  fade,
• 4:02
  we
• 4:02
  start
• 4:03
  to
• 4:03
  ask
• 4:03
  ourselves,
• 4:05
  am
• 4:05
  I
• 4:05
  really
• 4:05
  going
• 4:06
  to
• 4:06
  be
• 4:06
  able
• 4:06
  to
• 4:06
  do
• 4:06
  this?
• 4:07
  And
• 4:08
  for
• 4:08
  so
• 4:08
  many
• 4:08
  of
• 4:08
  us,
• 4:08
  you
• 4:08
  feel
• 4:09
  like
• 4:09
  your
• 4:09
  efforts
• 4:09
  been
• 4:10
  wasted,
• 4:10
  like
• 4:10
  you're
• 4:10
  always
• 4:11
  starting
• 4:11
  over.
• 4:12
  And
• 4:13
  I
• 4:13
  found
• 4:13
  this
• 4:13
  statistic,
• 4:14
  it
• 4:14
  was
• 4:14
  from
• 4:14
  Fidelity
• 4:15
  Investment
• 4:15
  Survey
• 4:16
  said
• 4:16
  this.
• 4:17
  Nearly
• 4:17
  60%.
• 4:18
  Hear
• 4:18
  me
• 4:18
  on
• 4:19
  this.
• 4:19
  Nearly
• 4:20
  60%
• 4:21
  of
• 4:22
  Americans
• 4:22
  set
• 4:22
  financial
• 4:23
  goals
• 4:23
  each
• 4:23
  year.
• 4:23
  That's
• 4:24
  fantastic.
• 4:25
  But
• 4:25
  let's
• 4:26
  get
• 4:26
  to
• 4:26
  the
• 4:26
  other
• 4:26
  side
• 4:26
  of
• 4:27
  this.
• 4:27
  But
• 4:28
  only
• 4:28
  20%.
• 4:29
  Yes,
• 4:29
  you
• 4:29
  heard
• 4:30
  me
• 4:30
  right.
• 4:30
  20%
• 4:32
  say
• 4:32
  they
• 4:33
  stick
• 4:33
  with
• 4:33
  them
• 4:33
  for
• 4:33
  more
• 4:34
  than
• 4:34
  a
• 4:34
  few
• 4:34
  months.
• 4:35
  I
• 4:35
  think
• 4:35
  it's
• 4:36
  great
• 4:36
  that
• 4:36
  60%
• 4:37
  start.
• 4:38
  But
• 4:38
  the
• 4:38
  sad
• 4:39
  part
• 4:39
  is
• 4:39
  20%
• 4:40
  have
• 4:41
  faded
• 4:41
  after
• 4:42
  just
• 4:42
  a
• 4:42
  few
• 4:42
  months.
• 4:44
  Picture
• 4:44
  in
• 4:44
  your
• 4:45
  own
• 4:45
  mind,
• 4:45
  you've
• 4:45
  put
• 4:45
  that
• 4:46
  budget
• 4:46
  together.
• 4:46
  You've
• 4:46
  got
• 4:47
  that
• 4:47
  beautiful
• 4:47
  budget
• 4:48
  binder,
• 4:49
  but
• 4:49
  you
• 4:49
  haven't
• 4:50
  opened
• 4:50
  it
• 4:50
  in
• 4:50
  two
• 4:50
  or
• 4:50
  three
• 4:51
  weeks.
• 4:51
  No
• 4:52
  idea
• 4:52
  what
• 4:52
  your
• 4:52
  spending
• 4:53
  looks
• 4:53
  like.
• 4:54
  Maybe
• 4:54
  you
• 4:54
  work
• 4:55
  so
• 4:55
  hard
• 4:55
  to
• 4:55
  get
• 4:55
  that
• 4:56
  credit
• 4:56
  card
• 4:56
  paid
• 4:56
  off.
• 4:57
  Now
• 4:58
  as
• 4:58
  you
• 4:58
  get
• 4:58
  those
• 4:58
  statements
• 4:59
  or
• 4:59
  you
• 4:59
  log
• 4:59
  on
• 4:59
  online,
• 5:00
  you're
• 5:00
  starting
• 5:00
  to
• 5:00
  notice
• 5:00
  that
• 5:01
  credit
• 5:01
  card
• 5:01
  balance
• 5:01
  is
• 5:02
  just
• 5:02
  creeping
• 5:02
  up
• 5:02
  every
• 5:03
  time
• 5:03
  you
• 5:03
  use
• 5:03
  it.
• 5:04
  And
• 5:05
  you
• 5:05
  start
• 5:05
  to
• 5:05
  feel
• 5:05
  like
• 5:05
  a
• 5:06
  failure,
• 5:06
  don't
• 5:06
  you?
• 5:07
  And
• 5:07
  listen,
• 5:08
  I've
• 5:08
  been
• 5:08
  right
• 5:08
  where
• 5:08
  you
• 5:09
  are.
• 5:10
  Those
• 5:10
  financial
• 5:10
  setbacks
• 5:11
  are
• 5:11
  hard.
• 5:11
  It's
• 5:11
  hard
• 5:12
  to
• 5:12
  gain
• 5:12
  that
• 5:12
  momentum.
• 5:14
  But
• 5:14
  here's
• 5:14
  the
• 5:14
  thing
• 5:14
  I
• 5:15
  need
• 5:15
  you
• 5:15
  to
• 5:15
  hear
• 5:15
  right
• 5:16
  now.
• 5:16
  There's
• 5:16
  a
• 5:16
  huge
• 5:16
  faith
• 5:17
  connection
• 5:17
  to
• 5:17
  what
• 5:17
  I'm
• 5:18
  talking
• 5:18
  about
• 5:18
  today.
• 5:19
  True
• 5:20
  growth,
• 5:21
  not
• 5:21
  these
• 5:21
  spurts
• 5:22
  and
• 5:22
  starts,
• 5:23
  but
• 5:23
  true
• 5:23
  growth
• 5:24
  is
• 5:24
  a
• 5:24
  lifelong
• 5:25
  journey.
• 5:27
  And
• 5:27
  it's
• 5:27
  based
• 5:27
  on
• 5:27
  a
• 5:28
  strong
• 5:28
  foundation
• 5:28
  of
• 5:29
  consistency,
• 5:30
  not
• 5:30
  perfection.
• 5:31
  So
• 5:31
  many
• 5:31
  of
• 5:31
  us
• 5:31
  are
• 5:32
  our
• 5:32
  own
• 5:33
  worst
• 5:33
  enemies
• 5:34
  because
• 5:34
  we
• 5:34
  think
• 5:34
  we're
• 5:35
  going
• 5:35
  to
• 5:35
  be
• 5:35
  perfect
• 5:35
  in
• 5:36
  each
• 5:36
  and
• 5:36
  everything
• 5:37
  we
• 5:37
  do.
• 5:37
  But
• 5:37
  let
• 5:37
  me
• 5:37
  just
• 5:37
  tell
• 5:38
  you
• 5:38
  right
• 5:38
  now,
• 5:39
  I'm
• 5:39
  a
• 5:39
  financial
• 5:39
  professional.
• 5:40
  I've
• 5:40
  been
• 5:40
  doing
• 5:41
  this
• 5:41
  for
• 5:41
  30
• 5:41
  years.
• 5:42
  I
• 5:43
  should
• 5:43
  know
• 5:43
  what
• 5:43
  I'm
• 5:43
  doing.
• 5:44
  But
• 5:44
  guess
• 5:45
  what?
• 5:45
  I
• 5:45
  make
• 5:46
  mistakes.
• 5:47
  I
• 5:47
  lose
• 5:47
  my
• 5:48
  momentum.
• 5:48
  And
• 5:49
  guess
• 5:49
  what?
• 5:49
  You're
• 5:49
  going
• 5:49
  to
• 5:49
  do
• 5:49
  that,
• 5:50
  too.
• 5:50
  But
• 5:50
  let's
• 5:50
  get
• 5:50
  right
• 5:50
  in
• 5:51
  to
• 5:51
  the
• 5:51
  Word
• 5:52
  of
• 5:52
  God
• 5:52
  and
• 5:52
  let's
• 5:53
  see
• 5:53
  what
• 5:53
  we
• 5:53
  can
• 5:53
  learn
• 5:54
  about
• 5:54
  this
• 5:54
  today.
• 5:55
  And
• 5:55
  the
• 5:55
  first
• 5:55
  verse
• 5:56
  is
• 5:56
  from
• 5:56
  the
• 5:56
  book
• 5:56
  of
• 5:57
  Galatians.
• 5:58
  This
• 5:58
  is
• 5:58
  chapter
• 5:58
  six,
• 5:59
  verse
• 5:59
  nine.
• 6:00
  And
• 6:00
  it
• 6:00
  says
• 6:00
  this,
• 6:01
  Let
• 6:01
  us
• 6:01
  not
• 6:01
  become
• 6:02
  weary
• 6:02
  in
• 6:02
  doing
• 6:03
  good,
• 6:03
  for
• 6:04
  at
• 6:04
  the
• 6:04
  proper
• 6:04
  time
• 6:05
  we
• 6:05
  will
• 6:05
  reap
• 6:06
  a
• 6:06
  harvest
• 6:06
  if
• 6:07
  we
• 6:07
  do
• 6:07
  not
• 6:08
  give
• 6:08
  up.
• 6:09
  And
• 6:10
  I
• 6:10
  think
• 6:10
  that's
• 6:10
  the
• 6:10
  main
• 6:11
  takeaway
• 6:11
  from
• 6:11
  today,
• 6:12
  if
• 6:13
  we
• 6:13
  do
• 6:13
  not
• 6:14
  give
• 6:14
  up.
• 6:15
  And
• 6:15
  what
• 6:15
  is
• 6:15
  this
• 6:16
  verse
• 6:16
  telling
• 6:16
  us?
• 6:17
  It's
• 6:17
  telling
• 6:18
  us
• 6:18
  that
• 6:18
  harvest.
• 6:19
  It's
• 6:20
  telling
• 6:20
  us
• 6:20
  consistency,
• 6:21
  that
• 6:21
  foundation
• 6:23
  takes
• 6:24
  time.
• 6:25
  But
• 6:25
  what's
• 6:25
  the
• 6:26
  secret?
• 6:26
  We
• 6:27
  can't
• 6:27
  give
• 6:27
  up.
• 6:27
  Let's
• 6:28
  look
• 6:28
  at
• 6:28
  the
• 6:28
  next
• 6:28
  verse,
• 6:28
  and
• 6:29
  that's
• 6:29
  From
• 6:29
  Luke,
• 6:30
  chapter
• 6:30
  16,
• 6:31
  verse
• 6:31
  10,
• 6:31
  a
• 6:31
  very
• 6:31
  common
• 6:32
  verse.
• 6:32
  A
• 6:32
  lot
• 6:32
  of
• 6:32
  people
• 6:33
  know
• 6:33
  this
• 6:33
  one.
• 6:34
  Again,
• 6:34
  this
• 6:34
  is
• 6:34
  Luke
• 6:35
  16:10.
• 6:36
  Whoever
• 6:37
  can
• 6:37
  be
• 6:37
  trusted
• 6:37
  with
• 6:38
  very
• 6:38
  little
• 6:39
  can
• 6:39
  also
• 6:39
  be
• 6:40
  trusted
• 6:40
  with
• 6:40
  much.
• 6:41
  And
• 6:42
  I
• 6:42
  thought
• 6:42
  about,
• 6:42
  okay,
• 6:42
  Ralph,
• 6:43
  what
• 6:43
  are
• 6:43
  you
• 6:43
  really
• 6:44
  saying
• 6:44
  here?
• 6:45
  And
• 6:45
  I
• 6:45
  think
• 6:46
  this
• 6:46
  is
• 6:46
  so
• 6:47
  important,
• 6:47
  this
• 6:47
  is
• 6:47
  so
• 6:48
  profitable
• 6:48
  for
• 6:48
  us
• 6:48
  as
• 6:49
  we're
• 6:49
  listening
• 6:49
  or
• 6:49
  you're
• 6:50
  watching
• 6:50
  this
• 6:50
  today.
• 6:51
  It's
• 6:52
  all
• 6:52
  about
• 6:52
  small
• 6:52
  daily
• 6:53
  habits,
• 6:54
  those
• 6:55
  little
• 6:55
  decisions,
• 6:56
  those
• 6:56
  little
• 6:57
  minute
• 6:57
  by
• 6:58
  minute,
• 6:58
  hour
• 6:58
  by
• 6:59
  hour
• 6:59
  decisions.
• 7:00
  It's
• 7:00
  those
• 7:01
  small
• 7:01
  daily
• 7:02
  habits
• 7:02
  that
• 7:03
  build
• 7:03
  that
• 7:03
  foundation
• 7:04
  for
• 7:04
  a
• 7:04
  bigger
• 7:05
  blessing.
• 7:05
  And
• 7:05
  Scripture
• 7:06
  is
• 7:06
  telling
• 7:06
  us
• 7:06
  Luke
• 7:06
  16:10,
• 7:08
  whoever
• 7:08
  can
• 7:08
  be
• 7:08
  trusted
• 7:09
  with
• 7:09
  just
• 7:09
  a
• 7:09
  little,
• 7:11
  can
• 7:11
  be
• 7:11
  trusted
• 7:11
  with
• 7:12
  much.
• 7:12
  It's
• 7:13
  all
• 7:13
  about
• 7:13
  building
• 7:13
  that
• 7:14
  consistency.
• 7:15
  Let's
• 7:16
  get
• 7:16
  to
• 7:16
  the
• 7:16
  final
• 7:16
  verse
• 7:16
  I
• 7:17
  have
• 7:17
  today.
• 7:17
  And
• 7:17
  that's
• 7:17
  from
• 7:17
  the
• 7:17
  Book
• 7:18
  of
• 7:18
  Proverbs,
• 7:18
  chapter
• 7:19
  21,
• 7:19
  verse
• 7:20
  5.
• 7:21
  The
• 7:21
  plans
• 7:22
  of
• 7:22
  the
• 7:22
  diligent
• 7:22
  lead
• 7:22
  to
• 7:23
  profit
• 7:24
  as
• 7:24
  surely
• 7:25
  as
• 7:25
  haste
• 7:26
  leads
• 7:26
  to
• 7:26
  poverty.
• 7:28
  Now,
• 7:28
  I
• 7:28
  usually
• 7:29
  use
• 7:29
  that
• 7:29
  verse
• 7:29
  in
• 7:30
  a
• 7:30
  different
• 7:30
  way,
• 7:30
  but
• 7:30
  today
• 7:31
  I
• 7:31
  really
• 7:31
  want
• 7:31
  to
• 7:31
  nail
• 7:32
  this
• 7:32
  rhythm
• 7:32
  because
• 7:33
  I
• 7:33
  think
• 7:33
  that's
• 7:33
  really
• 7:33
  what
• 7:33
  it's
• 7:34
  leading
• 7:34
  to
• 7:35
  in
• 7:35
  today's
• 7:35
  discussion.
• 7:37
  Haste
• 7:37
  leads
• 7:38
  to
• 7:38
  poverty.
• 7:39
  If
• 7:39
  you
• 7:39
  just
• 7:40
  act
• 7:40
  hastily,
• 7:41
  you're
• 7:41
  going
• 7:42
  to
• 7:42
  end
• 7:42
  up
• 7:42
  in
• 7:43
  this
• 7:43
  financial
• 7:43
  cycle
• 7:44
  of
• 7:44
  shame.
• 7:45
  You're
• 7:45
  going
• 7:45
  to
• 7:45
  end
• 7:45
  up
• 7:46
  constantly
• 7:46
  regretting
• 7:47
  things.
• 7:47
  You're
• 7:47
  going
• 7:47
  to
• 7:48
  constantly
• 7:48
  feel
• 7:48
  like
• 7:48
  you're
• 7:49
  not
• 7:49
  good
• 7:49
  enough.
• 7:50
  But
• 7:51
  if
• 7:51
  you're
• 7:51
  diligent,
• 7:52
  if
• 7:52
  you
• 7:52
  build
• 7:53
  that
• 7:53
  steady
• 7:54
  rhythm,
• 7:55
  you're
• 7:55
  going
• 7:55
  to
• 7:56
  win
• 7:56
  and
• 7:56
  win
• 7:57
  and
• 7:57
  win
• 7:57
  instead
• 7:57
  of
• 7:58
  those
• 7:58
  bursts
• 7:58
  of
• 7:58
  energy.
• 7:59
  And
• 8:00
  I
• 8:00
  thought
• 8:00
  this
• 8:00
  was
• 8:00
  great.
• 8:00
  James
• 8:01
  Clear
• 8:01
  wrote
• 8:01
  this
• 8:02
  book
• 8:02
  called
• 8:02
  Atomic
• 8:02
  Habits
• 8:03
  and
• 8:04
  he
• 8:04
  had
• 8:04
  this
• 8:04
  quote,
• 8:04
  and
• 8:04
  I
• 8:04
  wanted
• 8:05
  to
• 8:05
  use
• 8:05
  this
• 8:05
  today,
• 8:05
  but
• 8:05
  it's
• 8:06
  perfect,
• 8:06
  it's
• 8:06
  right
• 8:06
  on
• 8:07
  point.
• 8:08
  It
• 8:08
  says
• 8:08
  this.
• 8:09
  You
• 8:09
  do
• 8:09
  not
• 8:10
  rise
• 8:10
  to
• 8:10
  the
• 8:10
  level
• 8:11
  of
• 8:11
  your
• 8:11
  goals.
• 8:12
  You
• 8:13
  fall
• 8:13
  to
• 8:13
  the
• 8:13
  level
• 8:14
  of
• 8:14
  your
• 8:14
  systems.
• 8:15
  And
• 8:15
  that's
• 8:16
  really
• 8:16
  what
• 8:16
  we're
• 8:16
  talking
• 8:16
  about
• 8:17
  today.
• 8:18
  So
• 8:18
  the
• 8:18
  question
• 8:18
  for
• 8:18
  today
• 8:19
  is
• 8:19
  how
• 8:19
  can
• 8:19
  I
• 8:19
  make
• 8:20
  financial
• 8:20
  progress
• 8:21
  stick?
• 8:21
  That's
• 8:21
  the
• 8:21
  big
• 8:22
  stick
• 8:22
  in
• 8:22
  the
• 8:22
  mud,
• 8:23
  if
• 8:23
  you
• 8:23
  will
• 8:23
  today.
• 8:24
  And
• 8:24
  the
• 8:24
  answer
• 8:25
  is
• 8:25
  actually
• 8:25
  pretty
• 8:26
  simple.
• 8:26
  It's
• 8:27
  about
• 8:27
  establishing
• 8:28
  simple,
• 8:28
  repeatable
• 8:29
  rhythms.
• 8:29
  And
• 8:29
  see,
• 8:30
  victory
• 8:30
  is
• 8:31
  progress
• 8:31
  with
• 8:32
  grace,
• 8:33
  not
• 8:33
  perfection.
• 8:34
  And
• 8:35
  here's
• 8:35
  another
• 8:35
  great
• 8:35
  quote.
• 8:36
  It's
• 8:36
  from
• 8:36
  John
• 8:36
  Maxwell
• 8:37
  says
• 8:38
  this
• 8:38
  small
• 8:38
  disciplines
• 8:39
  repeated
• 8:39
  with
• 8:40
  consistency
• 8:40
  every
• 8:41
  day
• 8:41
  lead
• 8:42
  to
• 8:42
  great
• 8:42
  achievements
• 8:43
  gained
• 8:43
  slowly
• 8:44
  over
• 8:44
  time.
• 8:45
  Well,
• 8:45
  let's
• 8:46
  get
• 8:46
  right
• 8:46
  to
• 8:46
  it.
• 8:46
  Today's
• 8:46
  action
• 8:47
  step.
• 8:47
  Just
• 8:47
  four
• 8:48
  steps
• 8:48
  today,
• 8:48
  but
• 8:49
  this
• 8:49
  will
• 8:49
  be
• 8:50
  impactful
• 8:50
  to
• 8:50
  you.
• 8:51
  First
• 8:51
  step,
• 8:52
  you
• 8:52
  got
• 8:52
  to
• 8:53
  start
• 8:53
  by
• 8:53
  identifying
• 8:54
  your
• 8:54
  core
• 8:54
  habits.
• 8:55
  Think
• 8:56
  about
• 8:56
  those
• 8:56
  habits
• 8:56
  that
• 8:57
  have
• 8:57
  the
• 8:57
  biggest
• 8:58
  financial
• 8:58
  impact
• 8:59
  on
• 8:59
  your
• 8:59
  life.
• 9:00
  Maybe
• 9:00
  for
• 9:00
  you
• 9:01
  it's
• 9:01
  that
• 9:01
  weekly
• 9:01
  budget
• 9:02
  check
• 9:02
  and
• 9:02
  you
• 9:02
  just
• 9:02
  haven't
• 9:03
  put
• 9:03
  it
• 9:03
  off.
• 9:03
  You're
• 9:03
  like,
• 9:04
  ralph,
• 9:04
  it
• 9:04
  was
• 9:04
  a
• 9:04
  good
• 9:04
  idea
• 9:05
  to
• 9:05
  do
• 9:05
  it,
• 9:05
  but
• 9:05
  man,
• 9:06
  I
• 9:06
  just
• 9:06
  never
• 9:06
  seem
• 9:06
  to
• 9:07
  get
• 9:07
  to
• 9:07
  it.
• 9:08
  That's
• 9:08
  a
• 9:08
  core
• 9:08
  habit.
• 9:09
  Maybe
• 9:09
  it's
• 9:10
  daily
• 9:10
  expense
• 9:10
  tracking.
• 9:11
  A
• 9:11
  lot
• 9:11
  of
• 9:11
  people
• 9:11
  fade
• 9:12
  after
• 9:12
  the
• 9:12
  first
• 9:12
  couple
• 9:13
  weeks
• 9:13
  to
• 9:13
  do
• 9:13
  that,
• 9:14
  you
• 9:14
  know,
• 9:14
  becomes
• 9:15
  a
• 9:15
  routine,
• 9:15
  it
• 9:15
  becomes
• 9:16
  a
• 9:16
  regimen
• 9:17
  thing.
• 9:17
  But
• 9:17
  then
• 9:17
  they're
• 9:17
  like,
• 9:17
  oh,
• 9:17
  you
• 9:18
  know
• 9:18
  what,
• 9:18
  I'm
• 9:18
  starting
• 9:18
  to
• 9:18
  fade
• 9:19
  a
• 9:19
  little
• 9:19
  bit
• 9:19
  on
• 9:19
  that.
• 9:20
  Or
• 9:21
  maybe
• 9:21
  it's
• 9:21
  that
• 9:21
  consistent
• 9:22
  debt
• 9:22
  payment.
• 9:23
  You've
• 9:23
  got
• 9:23
  that
• 9:23
  mountain
• 9:23
  of
• 9:24
  debts
• 9:24
  in
• 9:24
  front
• 9:24
  of
• 9:24
  you
• 9:25
  and
• 9:25
  you
• 9:25
  started
• 9:26
  off
• 9:26
  strong,
• 9:26
  man,
• 9:26
  you're
• 9:27
  running
• 9:27
  for
• 9:27
  that
• 9:27
  goal.
• 9:28
  But
• 9:28
  then
• 9:29
  life
• 9:29
  happens
• 9:30
  and
• 9:30
  you
• 9:30
  just
• 9:30
  start
• 9:30
  to
• 9:31
  fall
• 9:31
  behind.
• 9:31
  So
• 9:32
  first
• 9:32
  step,
• 9:32
  identify
• 9:33
  those
• 9:33
  core
• 9:34
  habits.
• 9:35
  Second
• 9:35
  step,
• 9:35
  and
• 9:36
  this
• 9:36
  one
• 9:36
  is
• 9:36
  critical.
• 9:37
  It
• 9:38
  goes
• 9:38
  along
• 9:38
  with
• 9:38
  what
• 9:38
  I
• 9:38
  see
• 9:38
  on
• 9:38
  the
• 9:39
  show
• 9:39
  all
• 9:39
  the
• 9:39
  time.
• 9:39
  What
• 9:40
  gets
• 9:40
  measured
• 9:40
  gets
• 9:41
  done.
• 9:41
  Schedule
• 9:42
  them.
• 9:42
  Open
• 9:43
  your
• 9:43
  calendar
• 9:43
  and
• 9:44
  block
• 9:44
  time
• 9:44
  for
• 9:45
  that.
• 9:45
  If
• 9:45
  it's
• 9:46
  that
• 9:46
  weekly
• 9:46
  budget
• 9:46
  check
• 9:47
  in,
• 9:47
  put
• 9:47
  it
• 9:47
  on
• 9:47
  your
• 9:48
  calendar,
• 9:48
  make
• 9:48
  it
• 9:49
  non
• 9:49
  negotiable.
• 9:50
  If
• 9:50
  it's
• 9:50
  that
• 9:51
  daily
• 9:51
  expense
• 9:52
  tracking,
• 9:52
  put
• 9:52
  it
• 9:53
  on
• 9:53
  your
• 9:53
  calendar.
• 9:54
  Do
• 9:54
  it
• 9:54
  every
• 9:54
  day.
• 9:55
  If
• 9:55
  it's
• 9:56
  that
• 9:56
  consistent
• 9:56
  debt
• 9:56
  payment,
• 9:57
  go
• 9:57
  back
• 9:57
  to
• 9:57
  your
• 9:57
  plan
• 9:58
  and
• 9:58
  put
• 9:59
  that
• 9:59
  into
• 10:00
  action.
• 10:01
  You
• 10:01
  got
• 10:01
  to
• 10:01
  treat
• 10:02
  these
• 10:02
  as
• 10:02
  non
• 10:02
  negotiable
• 10:03
  appointments
• 10:03
  for
• 10:03
  yourself.
• 10:04
  Hey,
• 10:04
  you're
• 10:04
  not
• 10:04
  going
• 10:04
  to
• 10:04
  miss
• 10:05
  that
• 10:05
  appointment
• 10:05
  with
• 10:05
  your
• 10:05
  doctor.
• 10:06
  Don't
• 10:06
  miss
• 10:07
  that
• 10:07
  appointment
• 10:07
  with
• 10:07
  yourself
• 10:08
  to
• 10:08
  build
• 10:09
  these
• 10:09
  long
• 10:10
  term,
• 10:10
  daily
• 10:10
  consistent
• 10:11
  financial
• 10:12
  habits.
• 10:13
  And
• 10:13
  here's
• 10:14
  the
• 10:14
  third
• 10:14
  thing
• 10:14
  I'm
• 10:14
  going
• 10:14
  to
• 10:14
  tell
• 10:15
  you
• 10:15
  to
• 10:15
  do.
• 10:15
  And
• 10:15
  a
• 10:15
  lot
• 10:15
  of
• 10:15
  people
• 10:16
  don't
• 10:16
  get
• 10:16
  this
• 10:16
  one,
• 10:16
  but
• 10:17
  this
• 10:17
  one
• 10:17
  is
• 10:18
  monumental.
• 10:19
  You
• 10:19
  got
• 10:19
  to
• 10:19
  get
• 10:20
  back
• 10:20
  on
• 10:20
  track
• 10:20
  quickly.
• 10:21
  You're
• 10:22
  probably
• 10:22
  thinking,
• 10:22
  ralph,
• 10:22
  what
• 10:22
  are
• 10:23
  you
• 10:23
  talking
• 10:23
  about
• 10:23
  here?
• 10:23
  If
• 10:24
  you
• 10:24
  miss
• 10:24
  a
• 10:24
  day,
• 10:25
  if
• 10:25
  you've
• 10:26
  overspent,
• 10:27
  don't
• 10:27
  quit.
• 10:28
  These
• 10:29
  are
• 10:29
  minor
• 10:30
  setbacks.
• 10:31
  You
• 10:31
  got
• 10:31
  to
• 10:31
  start
• 10:31
  right
• 10:32
  off.
• 10:32
  Don't
• 10:32
  wait
• 10:32
  till
• 10:32
  next
• 10:33
  week,
• 10:33
  don't
• 10:33
  wait
• 10:34
  till
• 10:34
  next
• 10:34
  month.
• 10:34
  So
• 10:34
  many
• 10:34
  people
• 10:35
  say,
• 10:35
  ralph,
• 10:35
  yeah,
• 10:35
  you
• 10:36
  know,
• 10:36
  I
• 10:36
  failed
• 10:36
  my
• 10:37
  budget
• 10:37
  this
• 10:37
  month,
• 10:37
  so
• 10:37
  next
• 10:38
  month
• 10:38
  I'm
• 10:38
  really
• 10:38
  going
• 10:38
  to
• 10:39
  get
• 10:39
  to
• 10:39
  it.
• 10:39
  That's
• 10:39
  a
• 10:39
  bad
• 10:39
  plan.
• 10:40
  Start
• 10:41
  today,
• 10:41
  start
• 10:42
  next
• 10:42
  hour,
• 10:43
  start
• 10:43
  tomorrow
• 10:44
  morning.
• 10:44
  Acknowledge
• 10:45
  the
• 10:45
  failure.
• 10:47
  You're
• 10:47
  going
• 10:47
  to
• 10:47
  make
• 10:47
  mistakes,
• 10:48
  but
• 10:48
  have
• 10:48
  grace
• 10:49
  for
• 10:49
  yourself
• 10:50
  and
• 10:50
  then
• 10:50
  restart
• 10:51
  the
• 10:51
  process
• 10:52
  immediately.
• 10:52
  Because
• 10:52
  in
• 10:53
  the
• 10:53
  end,
• 10:53
  it's
• 10:54
  all
• 10:54
  about
• 10:54
  consistency.
• 10:55
  And
• 10:55
  that
• 10:56
  consistency
• 10:56
  is
• 10:57
  far
• 10:58
  more
• 10:58
  greater
• 10:59
  than
• 10:59
  any
• 11:00
  level
• 11:00
  of
• 11:00
  perfection.
• 11:01
  Because
• 11:01
  let
• 11:01
  me
• 11:01
  tell
• 11:01
  you
• 11:01
  right
• 11:01
  now,
• 11:02
  you're
• 11:02
  never
• 11:02
  going
• 11:02
  to
• 11:03
  find
• 11:03
  that
• 11:03
  perfection.
• 11:04
  And
• 11:04
  the
• 11:05
  fourth
• 11:05
  step
• 11:05
  today,
• 11:05
  and
• 11:05
  I
• 11:06
  think
• 11:06
  this
• 11:06
  one
• 11:06
  is
• 11:07
  a
• 11:07
  big
• 11:07
  one,
• 11:08
  and
• 11:08
  that's
• 11:08
  find
• 11:09
  accountability.
• 11:10
  Accountability
• 11:11
  is
• 11:11
  really
• 11:11
  the
• 11:11
  key
• 11:12
  to
• 11:12
  this.
• 11:12
  If
• 11:12
  you
• 11:12
  want
• 11:12
  to
• 11:12
  stay
• 11:12
  consistent
• 11:13
  and
• 11:13
  if
• 11:14
  you
• 11:14
  want
• 11:14
  to
• 11:14
  continue.
• 11:14
  Listen,
• 11:14
  I'm
• 11:15
  going
• 11:15
  to
• 11:15
  give
• 11:15
  you
• 11:15
  an
• 11:15
  example.
• 11:16
  I
• 11:16
  used
• 11:16
  to
• 11:16
  do
• 11:16
  Weight
• 11:17
  Watchers,
• 11:17
  and
• 11:17
  the
• 11:18
  reason
• 11:18
  that
• 11:18
  I
• 11:18
  loved
• 11:19
  Weight
• 11:19
  Watchers
• 11:19
  is
• 11:19
  there
• 11:20
  was
• 11:20
  an
• 11:20
  accountability
• 11:21
  piece
• 11:21
  every
• 11:22
  week.
• 11:22
  If
• 11:22
  you've
• 11:22
  never
• 11:22
  done
• 11:22
  Weight
• 11:23
  Watchers,
• 11:23
  this
• 11:23
  is
• 11:23
  what
• 11:23
  you
• 11:24
  do.
• 11:24
  You
• 11:24
  go
• 11:24
  to
• 11:25
  the
• 11:25
  meeting
• 11:25
  and
• 11:25
  every
• 11:26
  week
• 11:26
  as
• 11:26
  you're
• 11:26
  walking
• 11:27
  in
• 11:27
  the
• 11:27
  door,
• 11:27
  you're
• 11:27
  getting
• 11:27
  on
• 11:28
  that
• 11:28
  scale,
• 11:29
  you're
• 11:29
  accountable.
• 11:30
  And
• 11:30
  really,
• 11:31
  in
• 11:31
  the
• 11:31
  end,
• 11:31
  you're
• 11:31
  only
• 11:31
  accountable
• 11:32
  to
• 11:32
  yourself.
• 11:33
  But
• 11:33
  that
• 11:33
  accountability
• 11:34
  is
• 11:34
  huge.
• 11:34
  So
• 11:35
  in
• 11:35
  these
• 11:35
  financial
• 11:35
  decisions,
• 11:37
  find
• 11:37
  that
• 11:37
  accountability
• 11:38
  partner.
• 11:39
  Maybe
• 11:39
  it's
• 11:39
  your
• 11:39
  spouse,
• 11:40
  maybe,
• 11:40
  maybe
• 11:41
  it's
• 11:41
  a
• 11:41
  mentor,
• 11:41
  maybe
• 11:41
  it's
• 11:42
  a
• 11:42
  financial
• 11:42
  group
• 11:42
  of
• 11:42
  people
• 11:43
  that
• 11:43
  you
• 11:43
  meet
• 11:43
  with.
• 11:43
  I
• 11:43
  think
• 11:43
  that's
• 11:44
  a
• 11:44
  great
• 11:44
  idea.
• 11:45
  Share
• 11:45
  your
• 11:46
  goals,
• 11:46
  but
• 11:46
  check
• 11:47
  in
• 11:47
  routinely,
• 11:47
  check
• 11:48
  in
• 11:48
  weekly,
• 11:49
  because
• 11:49
  accountability
• 11:50
  will
• 11:51
  result
• 11:51
  in
• 11:51
  sustained
• 11:52
  momentum.
• 11:53
  And
• 11:53
  when
• 11:54
  you
• 11:54
  do
• 11:54
  these
• 11:54
  things
• 11:55
  and
• 11:55
  you
• 11:55
  truly
• 11:55
  invest
• 11:56
  in
• 11:56
  these
• 11:56
  things,
• 11:57
  it's
• 11:57
  going
• 11:57
  to
• 11:58
  break
• 11:58
  that
• 11:58
  cycle
• 11:59
  of
• 11:59
  inconsistency.
• 12:00
  It's
• 12:00
  going
• 12:01
  to
• 12:01
  help
• 12:01
  you
• 12:01
  build
• 12:01
  lasting
• 12:02
  financial
• 12:02
  habits,
• 12:03
  and
• 12:03
  it's
• 12:03
  going
• 12:04
  to
• 12:04
  encourage
• 12:04
  grace.
• 12:04
  Because,
• 12:05
  listen,
• 12:05
  you're
• 12:05
  going
• 12:05
  to
• 12:05
  fail,
• 12:06
  you're
• 12:06
  going
• 12:07
  to
• 12:07
  make
• 12:07
  mistakes,
• 12:08
  but
• 12:08
  it's
• 12:08
  going
• 12:09
  to
• 12:09
  encourage
• 12:09
  grace
• 12:10
  and
• 12:10
  it's
• 12:10
  going
• 12:11
  to
• 12:11
  encourage
• 12:12
  perseverance.
• 12:13
  And
• 12:13
  when
• 12:13
  you
• 12:14
  can
• 12:14
  persevere,
• 12:14
  what
• 12:14
  did
• 12:15
  the
• 12:15
  scripture
• 12:15
  tell
• 12:15
  us
• 12:16
  the
• 12:17
  plans
• 12:17
  of
• 12:17
  the
• 12:17
  diligent
• 12:18
  lead
• 12:18
  to?
• 12:19
  It
• 12:20
  leads
• 12:20
  to
• 12:20
  long
• 12:20
  term
• 12:21
  peace
• 12:21
  and
• 12:22
  it
• 12:22
  leads
• 12:22
  to
• 12:22
  freedom.
• 12:23
  Hey,
• 12:23
  I
• 12:23
  don't
• 12:23
  know
• 12:23
  about
• 12:23
  you,
• 12:24
  but
• 12:24
  I
• 12:24
  would
• 12:24
  love
• 12:24
  to
• 12:25
  live
• 12:25
  in
• 12:25
  peace
• 12:25
  and
• 12:25
  freedom.
• 12:26
  Well,
• 12:26
  today's
• 12:27
  tools
• 12:27
  will
• 12:27
  get
• 12:27
  you
• 12:27
  there.
• 12:28
  How
• 12:28
  about
• 12:28
  we
• 12:29
  pray
• 12:29
  together
• 12:29
  now?
• 12:30
  Father
• 12:30
  God,
• 12:31
  we
• 12:31
  just
• 12:31
  thank
• 12:31
  you
• 12:31
  for
• 12:31
  the
• 12:32
  grace
• 12:32
  you
• 12:32
  extend
• 12:32
  to
• 12:33
  us
• 12:33
  each
• 12:33
  and
• 12:33
  every
• 12:34
  day.
• 12:34
  Sometimes,
• 12:34
  Lord,
• 12:35
  we
• 12:35
  We
• 12:35
  don't
• 12:35
  realize
• 12:36
  the
• 12:36
  abundant
• 12:37
  grace
• 12:37
  that
• 12:37
  you
• 12:37
  give
• 12:37
  us.
• 12:38
  And
• 12:38
  we
• 12:39
  confess
• 12:39
  that
• 12:39
  building
• 12:40
  and
• 12:40
  keeping
• 12:40
  consistent
• 12:41
  financial
• 12:41
  habits,
• 12:42
  Lord,
• 12:42
  is
• 12:42
  hard.
• 12:43
  Yes,
• 12:43
  we
• 12:44
  start
• 12:44
  with
• 12:44
  good
• 12:44
  intentions,
• 12:45
  but
• 12:46
  too
• 12:46
  often
• 12:46
  we
• 12:46
  stumble.
• 12:47
  We
• 12:47
  feel
• 12:48
  like
• 12:48
  giving
• 12:48
  up.
• 12:49
  And,
• 12:49
  Lord,
• 12:49
  I
• 12:50
  just
• 12:50
  ask
• 12:50
  that
• 12:50
  you
• 12:50
  would
• 12:50
  help
• 12:50
  us
• 12:51
  to
• 12:51
  embrace
• 12:51
  this
• 12:51
  discipline,
• 12:53
  but
• 12:53
  also
• 12:53
  to
• 12:53
  embrace
• 12:54
  grace.
• 12:54
  Lord,
• 12:55
  teach
• 12:55
  us
• 12:55
  that
• 12:55
  missing
• 12:56
  a
• 12:56
  step
• 12:56
  does
• 12:57
  not
• 12:57
  mean
• 12:57
  failure,
• 12:58
  but
• 12:58
  it
• 12:59
  really
• 12:59
  means
• 12:59
  an
• 12:59
  opportunity
• 13:00
  to
• 13:00
  lean
• 13:00
  on
• 13:00
  you
• 13:01
  more
• 13:01
  and
• 13:01
  more
• 13:01
  and
• 13:01
  begin
• 13:02
  again,
• 13:02
  Lord.
• 13:02
  So
• 13:03
  strengthen
• 13:03
  our
• 13:03
  resolve,
• 13:04
  Lord.
• 13:04
  Guide
• 13:05
  our
• 13:05
  habits
• 13:06
  and
• 13:06
  surround
• 13:07
  us
• 13:07
  with
• 13:07
  accountability
• 13:08
  and
• 13:08
  encouragement.
• 13:09
  May
• 13:10
  our
• 13:10
  progress
• 13:10
  be
• 13:11
  steady,
• 13:11
  Lord,
• 13:11
  and
• 13:12
  our
• 13:12
  hearts
• 13:12
  be
• 13:12
  at
• 13:13
  peace.
• 13:13
  And
• 13:14
  our
• 13:14
  stewardship,
• 13:14
  as
• 13:15
  always,
• 13:15
  Lord,
• 13:15
  honor
• 13:16
  you.
• 13:16
  And
• 13:16
  we
• 13:16
  ask
• 13:16
  this
• 13:16
  with
• 13:17
  confidence.
• 13:18
  In
• 13:18
  the
• 13:18
  name
• 13:18
  of
• 13:18
  Jesus.
• 13:20
  Amen.
• 13:21
  Lasting
• 13:22
  peace
• 13:22
  isn't
• 13:23
  built
• 13:23
  in
• 13:23
  a
• 13:23
  single
• 13:24
  day.
• 13:25
  It's
• 13:25
  forged.
• 13:25
  And
• 13:26
  I
• 13:26
  love
• 13:26
  that
• 13:26
  word
• 13:26
  because
• 13:27
  it's
• 13:27
  so
• 13:27
  important
• 13:27
  to
• 13:27
  use.
• 13:28
  It's
• 13:28
  forged
• 13:29
  through.
• 13:29
  Through
• 13:29
  consistency,
• 13:30
  and
• 13:31
  it's
• 13:31
  forged
• 13:31
  through
• 13:32
  grace.
• 13:33
  So
• 13:33
  I'm
• 13:33
  gonna
• 13:33
  remind
• 13:34
  you
• 13:34
  again
• 13:34
  today's
• 13:34
  action.
• 13:34
  Choose
• 13:35
  your
• 13:35
  core
• 13:35
  habits,
• 13:36
  schedule
• 13:37
  them,
• 13:37
  and
• 13:38
  restart
• 13:38
  again
• 13:38
  quickly.
• 13:39
  When
• 13:39
  you
• 13:39
  slip,
• 13:40
  remember
• 13:41
  this
• 13:41
  progress
• 13:42
  that
• 13:42
  sticks
• 13:43
  is
• 13:43
  progress
• 13:43
  done
• 13:43
  with
• 13:44
  God's
• 13:44
  help,
• 13:45
  not
• 13:45
  your
• 13:45
  own
• 13:45
  perfection.
• 13:47
  And
• 13:47
  I
• 13:47
  found
• 13:47
  this
• 13:47
  quote
• 13:48
  by
• 13:48
  Craig
• 13:48
  Groschel.
• 13:49
  He
• 13:49
  said,
• 13:49
  successful
• 13:50
  people
• 13:50
  do
• 13:51
  consistently
• 13:51
  what
• 13:52
  others
• 13:52
  do
• 13:53
  occasionally.
• 13:54
  Hey,
• 13:54
  we
• 13:55
  can
• 13:55
  learn
• 13:55
  from
• 13:55
  that.
• 13:55
  I'll
• 13:56
  repeat
• 13:56
  that
• 13:56
  one
• 13:56
  more
• 13:56
  time
• 13:56
  because
• 13:57
  I
• 13:57
  thought
• 13:57
  this
• 13:57
  was
• 13:57
  so
• 13:58
  important
• 13:58
  today.
• 13:59
  Successful
• 14:00
  people
• 14:00
  do
• 14:00
  consistently
• 14:02
  what
• 14:02
  others
• 14:02
  do
• 14:03
  occasionally.
• 14:03
  So
• 14:04
  what's
• 14:04
  the
• 14:04
  takeaway?
• 14:05
  Do
• 14:05
  it
• 14:05
  consistently.
• 14:07
  And
• 14:07
  if
• 14:08
  today's
• 14:08
  episode
• 14:08
  spoke
• 14:09
  to
• 14:09
  you,
• 14:09
  I'm
• 14:09
  going
• 14:09
  to
• 14:09
  encourage
• 14:10
  you
• 14:10
  right
• 14:10
  now,
• 14:10
  share
• 14:10
  it
• 14:10
  with
• 14:11
  a
• 14:11
  friend
• 14:11
  who
• 14:11
  might
• 14:11
  be
• 14:12
  struggling
• 14:12
  to
• 14:12
  keep
• 14:12
  their
• 14:13
  financial
• 14:13
  progress.
• 14:14
  So
• 14:14
  many
• 14:14
  of
• 14:14
  us
• 14:14
  find
• 14:15
  ourselves
• 14:15
  in
• 14:16
  this
• 14:16
  cycle
• 14:16
  of
• 14:16
  financial
• 14:17
  shame
• 14:17
  and
• 14:18
  we
• 14:18
  just
• 14:18
  need
• 14:18
  somebody
• 14:18
  to
• 14:19
  help
• 14:19
  us.
• 14:19
  Well,
• 14:19
  you
• 14:20
  can
• 14:20
  be
• 14:20
  a
• 14:20
  lifeline
• 14:21
  for
• 14:21
  them.
• 14:21
  Be
• 14:22
  an
• 14:22
  encouragement
• 14:22
  to
• 14:22
  them,
• 14:23
  help
• 14:23
  them
• 14:23
  to
• 14:23
  keep
• 14:23
  going.
• 14:24
  Share
• 14:24
  this
• 14:24
  show
• 14:24
  with
• 14:25
  them.
• 14:25
  Send
• 14:25
  them
• 14:25
  right
• 14:25
  to
• 14:26
  our
• 14:26
  website.
• 14:26
  That's
• 14:27
  financiallyconfidentchristian.com.
• 14:29
  and
• 14:30
  hey,
• 14:30
  while
• 14:30
  they're
• 14:30
  there,
• 14:31
  encourage
• 14:31
  them
• 14:31
  to
• 14:31
  download
• 14:32
  a
• 14:32
  copy
• 14:32
  of
• 14:32
  my
• 14:32
  book.
• 14:32
  I
• 14:33
  just
• 14:33
  finished
• 14:33
  writing,
• 14:33
  how
• 14:34
  to
• 14:34
  Become
• 14:34
  a
• 14:34
  Financially
• 14:35
  Confident
• 14:35
  Christian.
• 14:36
  It's
• 14:36
  my
• 14:37
  third
• 14:37
  book
• 14:37
  and
• 14:37
  it
• 14:37
  was
• 14:37
  really
• 14:38
  a
• 14:38
  labor
• 14:38
  of
• 14:38
  love
• 14:39
  and
• 14:39
  I
• 14:39
  am
• 14:39
  just
• 14:39
  excited.
• 14:40
  People
• 14:40
  are
• 14:40
  really
• 14:41
  loving
• 14:41
  it.
• 14:41
  You
• 14:41
  can
• 14:42
  download
• 14:42
  a
• 14:42
  free
• 14:42
  copy
• 14:43
  by
• 14:43
  going
• 14:43
  to
• 14:43
  financiallyconfidentchristian.com/becoming.
• 14:47
  I'm
• 14:47
  gonna
• 14:47
  give
• 14:47
  you
• 14:47
  that
• 14:47
  one
• 14:48
  more
• 14:48
  time.
• 14:49
  That's
• 14:49
  financiallyconfidentchristian.com/becoming.
• 14:53
  Now,
• 14:53
  tomorrow
• 14:54
  we're
• 14:54
  going
• 14:54
  to
• 14:54
  talk
• 14:54
  about
• 14:55
  why
• 14:55
  we
• 14:55
  still
• 14:55
  worry.
• 14:56
  So
• 14:56
  many
• 14:56
  of
• 14:56
  us
• 14:56
  still
• 14:57
  worry
• 14:57
  about
• 14:57
  financials
• 14:58
  even
• 14:58
  when
• 14:59
  things
• 14:59
  are
• 14:59
  going
• 14:59
  okay.
• 15:00
  Let
• 15:00
  me
• 15:00
  tell
• 15:00
  you
• 15:00
  right
• 15:00
  now,
• 15:00
  I'm
• 15:01
  going
• 15:01
  to
• 15:01
  give
• 15:01
  you
• 15:01
  a
• 15:01
  little
• 15:01
  heads
• 15:01
  up.
• 15:02
  You're
• 15:02
  not
• 15:02
  alone.
• 15:03
  In
• 15:03
  that.
• 15:03
  But
• 15:03
  tomorrow,
• 15:04
  I'm
• 15:04
  going
• 15:04
  to
• 15:04
  give
• 15:04
  you
• 15:04
  some
• 15:04
  concrete
• 15:05
  ways
• 15:05
  to
• 15:06
  break
• 15:06
  down
• 15:06
  that
• 15:06
  worry.
• 15:07
  And
• 15:07
  as
• 15:08
  I
• 15:08
  close
• 15:08
  today,
• 15:09
  you
• 15:09
  can
• 15:09
  do
• 15:10
  this.
• 15:10
  I
• 15:11
  believe
• 15:11
  in
• 15:11
  you,
• 15:12
  and
• 15:12
  more
• 15:12
  importantly,
• 15:13
  God
• 15:13
  believes
• 15:14
  in
• 15:14
  you.
• 15:14
  Now
• 15:14
  let's
• 15:14
  go
• 15:15
  out
• 15:15
  there
• 15:15
  today
• 15:15
  and
• 15:16
  be
• 15:16
  financially
• 15:17
  confident
• 15:17
  Christians.
• 15:18
  I
• 15:18
  encourage
• 15:19
  you
• 15:19
  stay
• 15:19
  financially
• 15:20
  savvy.
• 15:20
  God
• 15:21
  bless
• 15:21
  you,
• 15:21
  and
• 15:22
  you
• 15:22
  have
• 15:22
  a
• 15:22
  great
• 15:22
  day.