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Am I Stuck in the Minimum Payment Trap Forever? · Becoming Financially Confident

• 0:37
  You
• 0:37
  send
• 0:38
  the
• 0:38
  payment,
• 0:38
  you're
• 0:38
  on
• 0:39
  time,
• 0:39
  you
• 0:39
  do
• 0:39
  it
• 0:39
  every
• 0:40
  month,
• 0:40
  but
• 0:41
  the
• 0:41
  balance,
• 0:42
  it's
• 0:42
  barely
• 0:42
  moving.
• 0:43
  And
• 0:44
  you
• 0:44
  start
• 0:44
  wondering,
• 0:45
  am
• 0:45
  I
• 0:45
  going
• 0:45
  to
• 0:45
  be
• 0:45
  paying
• 0:46
  this
• 0:46
  thing
• 0:46
  until
• 0:46
  Jesus
• 0:47
  comes
• 0:47
  back?
• 0:48
  If
• 0:48
  you've
• 0:49
  been
• 0:49
  stuck
• 0:49
  in
• 0:49
  the
• 0:49
  minimum
• 0:50
  payment
• 0:50
  trap,
• 0:50
  and
• 0:51
  hey,
• 0:51
  that's
• 0:51
  exactly
• 0:51
  what
• 0:51
  it
• 0:52
  is.
• 0:52
  You
• 0:53
  know
• 0:53
  how
• 0:53
  discouraging
• 0:54
  it
• 0:54
  can
• 0:54
  be.
• 0:55
  But
• 0:55
  I
• 0:55
  want
• 0:55
  to
• 0:55
  tell
• 0:56
  you,
• 0:56
  friend,
• 0:56
  there
• 0:56
  is
• 0:56
  a
• 0:57
  way
• 0:57
  out
• 0:57
  and
• 0:57
  it
• 0:57
  might
• 0:58
  start
• 0:58
  with
• 0:58
  an
• 0:58
  amount
• 0:58
  smaller
• 0:59
  than
• 0:59
  you
• 0:59
  think.
• 0:59
  So
• 1:00
  stick
• 1:00
  with
• 1:00
  me
• 1:00
  because
• 1:01
  we're
• 1:01
  going
• 1:01
  to
• 1:01
  talk
• 1:01
  about
• 1:01
  how
• 1:01
  to
• 1:02
  break
• 1:02
  that
• 1:02
  cycle
• 1:03
  today
• 1:03
  and
• 1:03
  finally
• 1:04
  start
• 1:04
  moving
• 1:05
  towards
• 1:05
  freedom.
• 1:06
  Going
• 1:06
  to
• 1:06
  continue
• 1:07
  talking
• 1:07
  about
• 1:07
  debts
• 1:08
  on
• 1:08
  today's
• 1:08
  show.
• 1:11
  This
• 1:11
  is
• 1:11
  Financially
• 1:12
  Confident
• 1:12
  Christian,
• 1:13
  your
• 1:14
  daily
• 1:14
  dose
• 1:14
  of
• 1:14
  gospel,
• 1:15
  grounded
• 1:15
  insight
• 1:16
  and
• 1:16
  faith
• 1:16
  driven
• 1:17
  tips
• 1:17
  to
• 1:17
  help
• 1:18
  you
• 1:18
  break
• 1:18
  the
• 1:18
  cycle
• 1:18
  of
• 1:19
  financial
• 1:19
  shame
• 1:19
  with
• 1:20
  confidence.
• 1:24
  Hey,
• 1:24
  friend.
• 1:25
  Welcome
• 1:25
  back
• 1:25
  to
• 1:25
  your
• 1:26
  daily
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:28
  I'm
• 1:28
  Ralph
• 1:28
  and
• 1:28
  I'm
• 1:29
  here
• 1:29
  to
• 1:29
  help
• 1:29
  you
• 1:29
  build
• 1:29
  confidence
• 1:30
  with
• 1:30
  your
• 1:30
  money
• 1:31
  and
• 1:31
  align
• 1:31
  your
• 1:32
  finances
• 1:32
  with
• 1:32
  God's
• 1:33
  wisdom.
• 1:34
  And
• 1:34
  we're
• 1:34
  continuing
• 1:34
  in
• 1:35
  our
• 1:35
  series
• 1:35
  Breaking
• 1:36
  Financial
• 1:36
  Chains.
• 1:37
  Yesterday
• 1:38
  we
• 1:38
  started
• 1:39
  talking
• 1:39
  about
• 1:39
  debts
• 1:40
  and
• 1:40
  specifically
• 1:40
  we
• 1:41
  faced
• 1:41
  our
• 1:41
  debt
• 1:42
  head
• 1:42
  on.
• 1:42
  We
• 1:42
  made
• 1:43
  that
• 1:43
  master
• 1:43
  list
• 1:44
  so
• 1:44
  we
• 1:44
  know
• 1:44
  exactly
• 1:45
  what
• 1:45
  we
• 1:45
  owe.
• 1:46
  If
• 1:46
  you
• 1:46
  missed
• 1:46
  yesterday's
• 1:47
  show
• 1:47
  or
• 1:47
  you
• 1:47
  missed
• 1:48
  any
• 1:48
  of
• 1:48
  our
• 1:48
  shows,
• 1:48
  you
• 1:49
  can
• 1:49
  find
• 1:49
  them
• 1:49
  all
• 1:49
  at
• 1:50
  our
• 1:50
  website.
• 1:50
  That's@financiallyconfidentchristian.com
• 1:54
  but
• 1:54
  today
• 1:54
  we're
• 1:54
  going
• 1:55
  to
• 1:55
  build
• 1:55
  on
• 1:55
  that.
• 1:55
  We're
• 1:56
  tackling
• 1:56
  one
• 1:56
  of
• 1:56
  the
• 1:56
  most
• 1:56
  frustrating
• 1:57
  realities
• 1:58
  of
• 1:58
  debt
• 1:59
  and
• 1:59
  that's
• 2:00
  paying
• 2:00
  month
• 2:00
  after
• 2:00
  month
• 2:01
  and
• 2:01
  feeling
• 2:02
  like
• 2:02
  nothing's
• 2:02
  changing.
• 2:03
  Like
• 2:03
  you're
• 2:03
  on
• 2:03
  that
• 2:04
  treadmill.
• 2:04
  You're
• 2:04
  just
• 2:04
  not
• 2:04
  getting
• 2:05
  anywhere.
• 2:06
  And
• 2:06
  I'll
• 2:06
  never
• 2:06
  forget
• 2:07
  sitting
• 2:07
  with
• 2:07
  a
• 2:07
  couple
• 2:08
  who
• 2:08
  brought
• 2:08
  me
• 2:08
  their
• 2:08
  credit
• 2:09
  card
• 2:09
  statements.
• 2:09
  I
• 2:09
  mean,
• 2:10
  I'm
• 2:10
  gonna
• 2:10
  tell
• 2:10
  you
• 2:10
  right
• 2:10
  now,
• 2:10
  they
• 2:11
  had
• 2:11
  a
• 2:11
  stack
• 2:11
  of
• 2:12
  credit
• 2:12
  card
• 2:12
  statements,
• 2:13
  but
• 2:13
  these
• 2:13
  folks
• 2:14
  have
• 2:14
  been
• 2:14
  paying
• 2:14
  faithfully
• 2:15
  for
• 2:15
  years.
• 2:15
  I'm
• 2:16
  talking
• 2:16
  about
• 2:16
  month
• 2:17
  after
• 2:17
  month,
• 2:17
  year
• 2:18
  after
• 2:18
  year.
• 2:18
  They
• 2:18
  were
• 2:19
  faithful
• 2:19
  in
• 2:19
  it,
• 2:20
  but
• 2:20
  the
• 2:20
  balances,
• 2:21
  they
• 2:21
  only
• 2:22
  dropped
• 2:22
  a
• 2:22
  few
• 2:22
  hundred
• 2:23
  dollars
• 2:24
  from
• 2:24
  where
• 2:24
  they
• 2:24
  even
• 2:25
  started
• 2:25
  that
• 2:25
  process.
• 2:26
  And
• 2:27
  the
• 2:27
  truth
• 2:27
  is
• 2:27
  they
• 2:27
  weren't
• 2:27
  overspending
• 2:28
  anymore.
• 2:28
  They
• 2:28
  were
• 2:29
  really
• 2:29
  managing
• 2:30
  their
• 2:30
  money,
• 2:31
  but
• 2:31
  they
• 2:31
  were
• 2:31
  still
• 2:32
  caught
• 2:32
  in
• 2:32
  the
• 2:32
  trap.
• 2:33
  And
• 2:33
  here's
• 2:34
  the
• 2:34
  painful
• 2:34
  truth.
• 2:35
  Minimum
• 2:36
  payments
• 2:36
  are
• 2:36
  designed
• 2:37
  to
• 2:37
  keep
• 2:37
  you
• 2:37
  there.
• 2:38
  They're
• 2:38
  designed
• 2:38
  to
• 2:39
  keep
• 2:39
  you
• 2:39
  in
• 2:39
  a
• 2:39
  trap.
• 2:40
  They're
• 2:41
  like
• 2:41
  walking
• 2:41
  on
• 2:41
  a
• 2:41
  treadmill.
• 2:42
  You're
• 2:42
  moving,
• 2:43
  you
• 2:43
  have
• 2:43
  action,
• 2:44
  but
• 2:44
  you're
• 2:44
  not
• 2:44
  getting
• 2:45
  anywhere.
• 2:45
  You're
• 2:46
  still
• 2:46
  staying
• 2:46
  in
• 2:46
  the
• 2:47
  same
• 2:47
  place.
• 2:48
  And
• 2:48
  maybe
• 2:48
  you're
• 2:49
  listening
• 2:49
  right
• 2:49
  now.
• 2:49
  You're
• 2:49
  like,
• 2:49
  ralph,
• 2:50
  I
• 2:50
  felt
• 2:50
  that
• 2:50
  too.
• 2:51
  And
• 2:51
  I
• 2:51
  look
• 2:51
  at
• 2:51
  the
• 2:51
  numbers
• 2:51
  and
• 2:52
  think,
• 2:52
  at
• 2:52
  this
• 2:52
  rate,
• 2:52
  I'll
• 2:53
  be
• 2:53
  in
• 2:53
  debt
• 2:53
  forever.
• 2:55
  And
• 2:55
  the
• 2:55
  sad
• 2:55
  truth,
• 2:56
  if
• 2:56
  you're
• 2:57
  just
• 2:57
  making
• 2:57
  the
• 2:58
  minimum
• 2:58
  payments,
• 2:59
  and
• 2:59
  I
• 2:59
  know
• 2:59
  you
• 2:59
  don't
• 2:59
  want
• 3:00
  to
• 3:00
  hear
• 3:00
  this,
• 3:00
  but
• 3:01
  you
• 3:01
  will
• 3:01
  be
• 3:01
  in
• 3:02
  debt
• 3:02
  forever.
• 3:02
  If
• 3:02
  you're
• 3:03
  just
• 3:03
  making
• 3:03
  the
• 3:03
  minimum
• 3:04
  payments,
• 3:04
  you
• 3:05
  will
• 3:05
  be
• 3:05
  in
• 3:05
  debt
• 3:06
  forever.
• 3:07
  And
• 3:07
  friend,
• 3:08
  I
• 3:08
  get
• 3:08
  it.
• 3:09
  It's
• 3:09
  frustrating.
• 3:10
  It's
• 3:10
  exhausting.
• 3:11
  I've
• 3:12
  been
• 3:12
  there.
• 3:12
  I've
• 3:12
  lived
• 3:13
  that.
• 3:13
  I've
• 3:14
  lived
• 3:14
  that.
• 3:14
  Staying
• 3:15
  in
• 3:15
  that
• 3:15
  cycle
• 3:16
  of
• 3:16
  minimum
• 3:16
  payments
• 3:17
  for
• 3:17
  year
• 3:17
  upon
• 3:18
  year.
• 3:19
  But
• 3:19
  I've
• 3:20
  got
• 3:20
  some
• 3:20
  good
• 3:20
  news
• 3:20
  for
• 3:20
  you.
• 3:21
  You're
• 3:21
  not
• 3:21
  stuck
• 3:21
  forever.
• 3:22
  And
• 3:22
  you
• 3:23
  don't
• 3:23
  have
• 3:23
  to
• 3:23
  magically
• 3:23
  come
• 3:23
  up
• 3:24
  with
• 3:24
  hundreds
• 3:24
  of
• 3:24
  extra
• 3:25
  dollars
• 3:25
  to
• 3:25
  get
• 3:25
  unstuck.
• 3:26
  So
• 3:26
  many
• 3:26
  people
• 3:26
  think
• 3:26
  you
• 3:27
  got
• 3:27
  to
• 3:27
  find
• 3:27
  hundreds
• 3:28
  of
• 3:28
  dollars.
• 3:29
  But
• 3:29
  even
• 3:30
  small,
• 3:30
  consistent
• 3:31
  changes
• 3:31
  can
• 3:31
  flip
• 3:32
  the
• 3:32
  script.
• 3:33
  Well,
• 3:33
  let's
• 3:33
  get
• 3:33
  right
• 3:33
  into
• 3:34
  God's
• 3:34
  word
• 3:34
  today
• 3:35
  and
• 3:35
  let's
• 3:35
  arm
• 3:36
  ourselves
• 3:36
  with
• 3:37
  some
• 3:37
  scripture
• 3:37
  to
• 3:37
  help
• 3:38
  us
• 3:38
  get
• 3:38
  out
• 3:38
  of
• 3:38
  this
• 3:39
  cycle
• 3:40
  of
• 3:40
  minimum
• 3:41
  payments.
• 3:42
  The
• 3:42
  first
• 3:42
  one
• 3:42
  comes
• 3:43
  to
• 3:43
  us
• 3:43
  from
• 3:43
  Proverbs
• 3:44
  chapter
• 3:44
  13,
• 3:44
  verse
• 3:45
  4.
• 3:45
  It
• 3:45
  says
• 3:46
  this.
• 3:47
  The
• 3:47
  lazy
• 3:47
  person
• 3:48
  craves
• 3:48
  and
• 3:49
  and
• 3:49
  gets
• 3:49
  nothing,
• 3:50
  but
• 3:50
  the
• 3:51
  desires
• 3:51
  of
• 3:51
  the
• 3:51
  diligent
• 3:52
  are
• 3:53
  fully
• 3:53
  satisfied.
• 3:54
  What
• 3:54
  a
• 3:54
  great
• 3:54
  piece
• 3:55
  of
• 3:55
  scripture.
• 3:55
  Again,
• 3:56
  that's
• 3:56
  Proverbs
• 3:57
  chapter
• 3:57
  13,
• 3:57
  verse
• 3:58
  4.
• 3:59
  What's
• 3:59
  it
• 3:59
  talking
• 3:59
  about
• 4:00
  here?
• 4:00
  The
• 4:01
  lazy
• 4:01
  person
• 4:01
  craves.
• 4:02
  Yeah,
• 4:02
  they
• 4:02
  crave
• 4:02
  it.
• 4:02
  They
• 4:02
  want
• 4:03
  to
• 4:03
  get
• 4:03
  out
• 4:03
  of
• 4:03
  debt,
• 4:04
  but
• 4:04
  they
• 4:05
  don't
• 4:05
  get
• 4:05
  anywhere.
• 4:06
  But
• 4:06
  those
• 4:07
  desires
• 4:07
  of
• 4:07
  the
• 4:07
  diligent,
• 4:08
  they're
• 4:08
  fully
• 4:09
  satisfied.
• 4:09
  We
• 4:09
  can
• 4:10
  apply
• 4:10
  that
• 4:10
  to
• 4:10
  breaking
• 4:11
  free
• 4:11
  of
• 4:11
  this
• 4:12
  cycle
• 4:12
  today.
• 4:12
  And
• 4:12
  this
• 4:13
  one
• 4:13
  I
• 4:13
  want
• 4:13
  to
• 4:13
  use
• 4:13
  that
• 4:14
  I
• 4:14
  used
• 4:14
  on
• 4:14
  the
• 4:14
  show
• 4:14
  yesterday
• 4:15
  because
• 4:15
  I
• 4:15
  just
• 4:15
  want
• 4:15
  to
• 4:15
  reaffirm
• 4:16
  this.
• 4:17
  And
• 4:17
  that's
• 4:17
  Proverbs
• 4:18
  22:7
• 4:19
  talks
• 4:19
  about
• 4:20
  this.
• 4:20
  The
• 4:20
  borrower
• 4:21
  is
• 4:21
  slave
• 4:21
  to
• 4:21
  the
• 4:21
  lender.
• 4:22
  Well,
• 4:23
  listen,
• 4:23
  if
• 4:23
  you
• 4:23
  don't
• 4:24
  want
• 4:24
  to
• 4:24
  be
• 4:24
  a
• 4:24
  slave
• 4:25
  anymore,
• 4:26
  breaking
• 4:27
  free
• 4:27
  takes
• 4:27
  diligence.
• 4:28
  It
• 4:28
  takes
• 4:28
  a
• 4:29
  plan.
• 4:29
  And
• 4:30
  it
• 4:30
  takes
• 4:30
  the
• 4:30
  decision
• 4:30
  to
• 4:31
  stop
• 4:31
  feeding
• 4:31
  the
• 4:32
  lender
• 4:32
  more
• 4:32
  than
• 4:32
  you
• 4:33
  have
• 4:33
  to.
• 4:33
  Because
• 4:33
  that's
• 4:33
  what
• 4:34
  you're
• 4:34
  doing
• 4:34
  when
• 4:34
  you're
• 4:35
  just
• 4:35
  making
• 4:35
  the
• 4:35
  minimum
• 4:36
  payments.
• 4:36
  You
• 4:36
  know
• 4:36
  what
• 4:36
  you're
• 4:36
  doing.
• 4:37
  You're
• 4:37
  feeding
• 4:38
  the
• 4:38
  lender
• 4:38
  just
• 4:39
  enough
• 4:39
  to
• 4:40
  keep
• 4:40
  them
• 4:40
  in
• 4:40
  that
• 4:41
  cycle
• 4:41
  where
• 4:41
  you're
• 4:41
  never
• 4:42
  breaking
• 4:42
  free.
• 4:44
  So
• 4:44
  here's
• 4:44
  the
• 4:44
  mindset
• 4:45
  shift
• 4:45
  you
• 4:45
  really
• 4:45
  need
• 4:45
  to
• 4:46
  embrace.
• 4:46
  Today,
• 4:47
  your
• 4:47
  goal
• 4:47
  isn't
• 4:48
  to
• 4:48
  throw
• 4:48
  a
• 4:48
  mountain
• 4:49
  of
• 4:49
  money
• 4:49
  at
• 4:49
  the
• 4:49
  debt
• 4:50
  tomorrow.
• 4:50
  Let's
• 4:50
  face
• 4:50
  it,
• 4:50
  you
• 4:50
  don't
• 4:51
  have
• 4:51
  it
• 4:51
  to
• 4:51
  throw
• 4:51
  it
• 4:51
  at.
• 4:52
  It
• 4:52
  feel
• 4:52
  like
• 4:52
  most
• 4:53
  of
• 4:53
  us,
• 4:53
  you're
• 4:53
  just
• 4:54
  barely
• 4:54
  getting
• 4:54
  by,
• 4:55
  but
• 4:56
  your
• 4:56
  goal
• 4:56
  is
• 4:56
  to
• 4:56
  chip
• 4:57
  away
• 4:57
  at
• 4:57
  the
• 4:57
  chains
• 4:58
  a
• 4:58
  little
• 4:58
  more
• 4:58
  every
• 4:59
  single
• 4:59
  month.
• 5:00
  Because
• 5:00
  here's
• 5:01
  the
• 5:01
  truth.
• 5:02
  When
• 5:02
  you
• 5:02
  pay
• 5:02
  even
• 5:03
  a
• 5:03
  little
• 5:03
  extra
• 5:04
  on
• 5:04
  purpose,
• 5:04
  intentionally,
• 5:05
  you
• 5:06
  start
• 5:06
  to
• 5:06
  starve
• 5:06
  that
• 5:07
  interest
• 5:07
  and
• 5:07
  you
• 5:08
  start
• 5:08
  to
• 5:08
  feed
• 5:08
  your
• 5:09
  freedom.
• 5:10
  So
• 5:10
  here's
• 5:10
  your
• 5:11
  one
• 5:11
  action
• 5:11
  step
• 5:11
  today.
• 5:12
  Here's
• 5:12
  what
• 5:12
  I
• 5:12
  want
• 5:12
  you
• 5:12
  to
• 5:12
  do.
• 5:13
  I
• 5:13
  want
• 5:13
  you
• 5:13
  to
• 5:13
  pick
• 5:13
  your
• 5:14
  target
• 5:14
  debt.
• 5:14
  Now,
• 5:15
  yesterday
• 5:15
  we
• 5:15
  made
• 5:15
  that
• 5:15
  list.
• 5:16
  See,
• 5:16
  there
• 5:16
  was
• 5:16
  a
• 5:16
  reason
• 5:17
  for
• 5:17
  making
• 5:17
  that
• 5:17
  list.
• 5:17
  There
• 5:18
  was
• 5:18
  a
• 5:18
  method
• 5:18
  to
• 5:18
  my
• 5:19
  madness,
• 5:19
  as
• 5:19
  they
• 5:19
  say.
• 5:20
  I
• 5:20
  want
• 5:20
  you
• 5:21
  to
• 5:21
  just
• 5:21
  choose
• 5:21
  one
• 5:21
  of
• 5:22
  those
• 5:22
  debts
• 5:22
  to
• 5:22
  focus
• 5:23
  on
• 5:23
  first.
• 5:23
  Now,
• 5:23
  we
• 5:24
  could
• 5:24
  have
• 5:24
  a
• 5:24
  large
• 5:24
  discussion
• 5:25
  about
• 5:25
  the
• 5:25
  snowball
• 5:25
  method,
• 5:26
  the
• 5:26
  avalanche
• 5:27
  method,
• 5:27
  smallest
• 5:27
  bounces
• 5:28
  make
• 5:28
  quick
• 5:29
  wins,
• 5:29
  highest
• 5:29
  interest
• 5:30
  to
• 5:30
  save
• 5:30
  more
• 5:30
  money.
• 5:31
  It
• 5:31
  doesn't
• 5:31
  really
• 5:31
  matter
• 5:31
  at
• 5:32
  this
• 5:32
  point.
• 5:32
  I
• 5:32
  just
• 5:32
  want
• 5:32
  you
• 5:33
  to
• 5:33
  grab
• 5:33
  one
• 5:33
  of
• 5:34
  those
• 5:34
  and
• 5:34
  I
• 5:34
  want
• 5:34
  you
• 5:35
  to
• 5:35
  find
• 5:35
  maybe
• 5:36
  10
• 5:36
  or
• 5:36
  $20
• 5:37
  extra
• 5:38
  that
• 5:38
  you
• 5:38
  can
• 5:38
  send
• 5:38
  towards
• 5:39
  it.
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:39
  look
• 5:39
  at
• 5:39
  your
• 5:40
  budget.
• 5:40
  Maybe
• 5:41
  you
• 5:41
  could
• 5:41
  skip
• 5:41
  a
• 5:41
  coffee
• 5:42
  run.
• 5:42
  Maybe
• 5:43
  you
• 5:43
  could
• 5:43
  bag
• 5:43
  lunch
• 5:44
  this
• 5:44
  week
• 5:44
  from
• 5:44
  home,
• 5:45
  maybe
• 5:45
  pause
• 5:46
  a
• 5:46
  streaming
• 5:46
  Service.
• 5:47
  Just
• 5:47
  find
• 5:47
  10
• 5:48
  or
• 5:48
  $20.
• 5:49
  And
• 5:49
  here's
• 5:49
  the
• 5:49
  thing,
• 5:49
  here's
• 5:50
  the
• 5:50
  key
• 5:50
  to
• 5:50
  the
• 5:50
  whole
• 5:50
  thing.
• 5:51
  I
• 5:51
  want
• 5:51
  you
• 5:52
  to
• 5:52
  send
• 5:52
  it
• 5:52
  immediately,
• 5:53
  as
• 5:53
  soon
• 5:53
  as
• 5:53
  you
• 5:53
  have
• 5:53
  it,
• 5:53
  as
• 5:54
  soon
• 5:54
  as
• 5:54
  you've
• 5:54
  got
• 5:54
  that
• 5:54
  money
• 5:55
  in
• 5:55
  your
• 5:55
  hands
• 5:55
  or
• 5:56
  it's
• 5:56
  extra
• 5:56
  in
• 5:56
  your
• 5:57
  bank
• 5:57
  account,
• 5:57
  make
• 5:58
  that
• 5:58
  extra
• 5:58
  payment
• 5:59
  right
• 5:59
  away.
• 5:59
  Don't
• 5:59
  wait
• 6:00
  until
• 6:00
  later.
• 6:00
  If
• 6:01
  you
• 6:01
  wait
• 6:01
  till
• 6:01
  later,
• 6:02
  guess
• 6:02
  what?
• 6:02
  Those
• 6:03
  dollars
• 6:03
  might
• 6:04
  find
• 6:04
  another
• 6:04
  purpose.
• 6:04
  So
• 6:05
  I
• 6:05
  just
• 6:05
  want
• 6:05
  you
• 6:05
  to
• 6:05
  really
• 6:05
  focus
• 6:06
  on
• 6:06
  finding
• 6:07
  that
• 6:07
  one
• 6:07
  debt,
• 6:08
  finding
• 6:08
  10
• 6:08
  or
• 6:08
  20
• 6:09
  bucks
• 6:09
  and
• 6:09
  sending
• 6:10
  it
• 6:10
  immediately.
• 6:11
  And
• 6:12
  then
• 6:12
  I
• 6:12
  just
• 6:12
  want
• 6:12
  you
• 6:12
  to
• 6:12
  sit
• 6:12
  back
• 6:13
  and
• 6:13
  watch
• 6:13
  that
• 6:14
  balance
• 6:14
  drop.
• 6:14
  It's
• 6:15
  not
• 6:15
  going
• 6:15
  to
• 6:15
  be
• 6:15
  immediate
• 6:16
  and
• 6:16
  it
• 6:16
  won't
• 6:16
  be
• 6:16
  dramatic
• 6:17
  at
• 6:17
  first,
• 6:18
  but
• 6:18
  you're
• 6:18
  proving
• 6:19
  something
• 6:19
  to
• 6:19
  yourself.
• 6:20
  You're
• 6:21
  proving
• 6:21
  you're
• 6:21
  moving
• 6:22
  in
• 6:22
  the
• 6:22
  right
• 6:22
  direction.
• 6:23
  Because
• 6:24
  here's
• 6:24
  the
• 6:24
  truth.
• 6:25
  Momentum
• 6:25
  is
• 6:26
  powerful.
• 6:27
  And
• 6:27
  once
• 6:27
  you
• 6:27
  see
• 6:27
  even
• 6:28
  a
• 6:28
  little
• 6:28
  progress,
• 6:29
  you'll
• 6:30
  be
• 6:30
  motivated
• 6:30
  to
• 6:30
  find
• 6:31
  a
• 6:31
  little
• 6:31
  more
• 6:31
  extra
• 6:32
  month
• 6:32
  and
• 6:32
  then
• 6:32
  the
• 6:32
  month
• 6:33
  after
• 6:33
  that
• 6:33
  until
• 6:33
  one
• 6:34
  day.
• 6:34
  And
• 6:34
  I
• 6:34
  promise
• 6:35
  you
• 6:35
  this,
• 6:36
  if
• 6:36
  you
• 6:36
  stay
• 6:36
  diligent,
• 6:37
  that
• 6:37
  debt
• 6:38
  will
• 6:38
  be
• 6:38
  gone.
• 6:39
  How
• 6:39
  about
• 6:40
  we
• 6:40
  pray
• 6:40
  together?
• 6:41
  Father
• 6:41
  God,
• 6:42
  thank
• 6:42
  you
• 6:42
  for
• 6:42
  giving
• 6:43
  us
• 6:43
  this
• 6:43
  wisdom
• 6:43
  and
• 6:44
  the
• 6:44
  discipline
• 6:44
  we
• 6:44
  need
• 6:45
  to
• 6:45
  walk
• 6:45
  in
• 6:45
  financial
• 6:46
  freedom.
• 6:46
  Lord,
• 6:47
  help
• 6:47
  us
• 6:47
  to
• 6:47
  see
• 6:48
  small
• 6:48
  opportunities
• 6:49
  and
• 6:49
  take
• 6:49
  them
• 6:49
  seriously.
• 6:51
  Give
• 6:51
  us
• 6:51
  the
• 6:51
  persistence
• 6:52
  to
• 6:52
  keep
• 6:52
  chipping
• 6:53
  away
• 6:53
  and
• 6:53
  the
• 6:53
  faith
• 6:53
  to
• 6:54
  believe
• 6:54
  that
• 6:54
  no
• 6:54
  debt
• 6:55
  is
• 6:55
  too
• 6:55
  big
• 6:56
  for
• 6:56
  you
• 6:56
  to
• 6:56
  help
• 6:56
  us
• 6:56
  overcome.
• 6:57
  And
• 6:57
  we
• 6:57
  ask
• 6:57
  this
• 6:58
  in
• 6:58
  confidence
• 6:59
  in
• 6:59
  Jesus
• 7:00
  name.
• 7:01
  Amen,
• 7:02
  friend.
• 7:03
  Breaking
• 7:03
  the
• 7:03
  minimum
• 7:04
  payment
• 7:04
  trap
• 7:04
  doesn't
• 7:05
  require
• 7:05
  a
• 7:05
  miracle
• 7:06
  overnight.
• 7:06
  There
• 7:06
  are
• 7:06
  no
• 7:06
  miracles
• 7:07
  when
• 7:07
  it
• 7:07
  comes
• 7:07
  to
• 7:08
  this.
• 7:08
  But
• 7:09
  what
• 7:09
  it
• 7:09
  does
• 7:09
  require
• 7:10
  is
• 7:10
  faithfulness
• 7:10
  and
• 7:11
  a
• 7:11
  decision
• 7:11
  to
• 7:12
  start
• 7:12
  this
• 7:12
  very
• 7:13
  day.
• 7:14
  So
• 7:14
  I
• 7:14
  want
• 7:14
  to
• 7:14
  encourage
• 7:14
  you,
• 7:15
  go
• 7:15
  find
• 7:15
  that
• 7:15
  $10
• 7:16
  or
• 7:16
  $20
• 7:17
  this
• 7:17
  week,
• 7:18
  send
• 7:18
  it
• 7:18
  to
• 7:18
  your
• 7:18
  debt
• 7:19
  target
• 7:19
  right
• 7:19
  away,
• 7:20
  and
• 7:20
  watch
• 7:20
  what
• 7:20
  God
• 7:21
  can
• 7:21
  do
• 7:21
  with
• 7:21
  your
• 7:21
  obedience.
• 7:22
  And
• 7:23
  I
• 7:23
  want
• 7:23
  to
• 7:23
  give
• 7:23
  you
• 7:23
  something
• 7:24
  to
• 7:24
  help
• 7:24
  you
• 7:24
  on
• 7:25
  that
• 7:25
  journey.
• 7:25
  I
• 7:25
  want
• 7:25
  to
• 7:25
  give
• 7:25
  you
• 7:26
  a
• 7:26
  free
• 7:26
  copy
• 7:26
  of
• 7:26
  my
• 7:26
  book.
• 7:27
  This
• 7:27
  is
• 7:27
  my
• 7:27
  latest
• 7:27
  book.
• 7:28
  I
• 7:28
  just
• 7:28
  got
• 7:28
  done
• 7:28
  writing
• 7:29
  it.
• 7:29
  It's
• 7:29
  called
• 7:29
  how
• 7:30
  to
• 7:30
  Become
• 7:30
  a
• 7:30
  Financially
• 7:31
  Confident
• 7:31
  Christian.
• 7:32
  I'm
• 7:32
  going
• 7:32
  to
• 7:32
  give
• 7:32
  you
• 7:32
  that
• 7:32
  book
• 7:32
  for
• 7:33
  absolutely
• 7:33
  nothing.
• 7:34
  Just
• 7:34
  go
• 7:34
  to
• 7:34
  my
• 7:34
  website.
• 7:35
  That's
• 7:37
  at
• 7:38
  financiallyconfidentchristian.com/becoming
• 7:39
  Again,
• 7:39
  that's
• 7:40
  financiallyconfidentchristian.com/becoming.
• 7:44
  I
• 7:44
  want
• 7:44
  to
• 7:44
  give
• 7:44
  you
• 7:44
  a
• 7:44
  free
• 7:44
  copy
• 7:45
  of
• 7:45
  my
• 7:45
  book.
• 7:45
  Now
• 7:46
  tomorrow
• 7:46
  we're
• 7:46
  talking
• 7:47
  about
• 7:47
  how
• 7:47
  to
• 7:47
  actually
• 7:48
  find
• 7:48
  that
• 7:48
  10
• 7:48
  or
• 7:49
  $20
• 7:49
  to
• 7:50
  help
• 7:50
  fund
• 7:50
  that
• 7:50
  extra
• 7:51
  debt
• 7:51
  payoff
• 7:51
  when
• 7:52
  your
• 7:52
  budget
• 7:52
  already
• 7:52
  feels
• 7:53
  impossibly
• 7:53
  tight.
• 7:54
  I'm
• 7:54
  going
• 7:54
  to
• 7:54
  talk
• 7:54
  about
• 7:54
  jeans
• 7:55
  at
• 7:55
  Thanksgiving
• 7:55
  tomorrow.
• 7:56
  That's
• 7:56
  a
• 7:56
  little
• 7:56
  bit
• 7:56
  of
• 7:56
  foreshadowing
• 7:57
  what
• 7:57
  we're
• 7:57
  going
• 7:57
  to
• 7:57
  talk
• 7:57
  about.
• 7:58
  But
• 7:58
  I
• 7:58
  want
• 7:59
  to
• 7:59
  charge
• 7:59
  you
• 7:59
  right
• 7:59
  now.
• 7:59
  Let's
• 8:00
  all
• 8:00
  go
• 8:00
  out
• 8:00
  there
• 8:00
  today
• 8:01
  and
• 8:01
  be
• 8:01
  financially
• 8:02
  confident
• 8:02
  Christians.
• 8:03
  I
• 8:04
  believe
• 8:04
  in
• 8:04
  you,
• 8:05
  believe
• 8:05
  in
• 8:05
  yourself.
• 8:06
  God
• 8:06
  bless
• 8:06
  you
• 8:07
  and
• 8:07
  you
• 8:07
  have
• 8:07
  a
• 8:07
  great
• 8:07
  day
• 8:08
  today.