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Should I Save for My Child’s Future… or Get Out of Debt First? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:38
  the
• 0:38
  right
• 0:38
  financial
• 0:39
  decision
• 0:39
  still
• 0:39
  feels
• 0:40
  wrong?
• 0:41
  What
• 0:41
  if
• 0:42
  doing
• 0:42
  the
• 0:42
  responsible
• 0:43
  thing
• 0:43
  for
• 0:43
  your
• 0:44
  child's
• 0:44
  future
• 0:45
  means
• 0:46
  delaying
• 0:46
  your
• 0:46
  own
• 0:46
  financial
• 0:47
  freedom?
• 0:48
  Have
• 0:49
  you
• 0:49
  ever
• 0:49
  felt
• 0:49
  pulled
• 0:50
  in
• 0:50
  two
• 0:50
  different
• 0:50
  directions,
• 0:51
  knowing
• 0:52
  that
• 0:52
  both
• 0:52
  matter
• 0:53
  but
• 0:53
  not
• 0:54
  knowing
• 0:54
  which
• 0:54
  one
• 0:54
  comes
• 0:55
  first?
• 0:56
  Do
• 0:56
  you
• 0:56
  keep
• 0:57
  saving
• 0:57
  for
• 0:57
  your
• 0:57
  child's
• 0:58
  future
• 0:58
  or
• 0:59
  do
• 0:59
  you
• 0:59
  focus
• 0:59
  on
• 1:00
  getting
• 1:00
  out
• 1:00
  of
• 1:00
  debt
• 1:01
  that's
• 1:01
  quietly
• 1:02
  costing
• 1:02
  you
• 1:02
  every
• 1:02
  single
• 1:03
  month?
• 1:04
  Because
• 1:04
  either
• 1:05
  choice
• 1:05
  can
• 1:05
  feel
• 1:05
  like
• 1:05
  you're
• 1:06
  sacrificing
• 1:06
  something
• 1:07
  important.
• 1:08
  Well,
• 1:08
  if
• 1:08
  you've
• 1:09
  been
• 1:09
  carrying
• 1:09
  that
• 1:09
  weight
• 1:10
  of
• 1:10
  that
• 1:10
  tension
• 1:11
  today,
• 1:12
  we're
• 1:12
  going
• 1:12
  to
• 1:12
  walk
• 1:12
  through
• 1:12
  it
• 1:12
  with
• 1:13
  clarity
• 1:13
  and
• 1:14
  wisdom.
• 1:14
  A
• 1:15
  very
• 1:15
  practical
• 1:15
  show
• 1:16
  on
• 1:16
  the
• 1:16
  way
• 1:16
  today.
• 1:37
  Hey,
• 1:37
  friend,
• 1:37
  Ralph
• 1:38
  Estep
• 1:38
  Jr.
• 1:38
  Here.
• 1:39
  Welcome
• 1:39
  to
• 1:40
  Financially
• 1:40
  Confident
• 1:41
  Christian,
• 1:41
  where
• 1:42
  my
• 1:42
  goal
• 1:42
  is
• 1:42
  to
• 1:42
  help
• 1:42
  you
• 1:43
  break
• 1:43
  that
• 1:43
  cycle
• 1:44
  of
• 1:44
  financial
• 1:44
  shame
• 1:45
  with
• 1:45
  confidence.
• 1:46
  Now
• 1:47
  we
• 1:47
  got
• 1:47
  a
• 1:47
  voicemail
• 1:48
  today
• 1:48
  that
• 1:49
  is
• 1:49
  really
• 1:49
  going
• 1:50
  to
• 1:50
  knock
• 1:50
  your
• 1:50
  socks
• 1:51
  off.
• 1:51
  And
• 1:52
  it's
• 1:52
  really
• 1:52
  a
• 1:52
  deeper
• 1:53
  question.
• 1:53
  The
• 1:54
  big
• 1:54
  question
• 1:54
  is
• 1:54
  this.
• 1:55
  Should
• 1:55
  I
• 1:55
  save
• 1:55
  for
• 1:56
  college
• 1:56
  or
• 1:56
  pay
• 1:56
  down
• 1:57
  my
• 1:57
  home
• 1:57
  equity
• 1:58
  line
• 1:58
  of
• 1:58
  credit
• 1:59
  first?
• 1:59
  But
• 1:59
  when
• 1:59
  you
• 2:00
  hear
• 2:00
  this
• 2:00
  question,
• 2:00
  you're
• 2:01
  going
• 2:01
  to
• 2:01
  know
• 2:01
  it
• 2:01
  gets
• 2:01
  a
• 2:02
  little
• 2:02
  deeper
• 2:02
  than
• 2:02
  that.
• 2:03
  Well,
• 2:03
  let's
• 2:03
  get
• 2:03
  right
• 2:04
  to
• 2:04
  today's
• 2:05
  question.
• 2:06
  Hi
• 2:06
  Ralph,
• 2:07
  I
• 2:07
  started
• 2:07
  listening
• 2:08
  to
• 2:08
  your
• 2:08
  show
• 2:08
  last
• 2:09
  month
• 2:09
  and
• 2:09
  I'm
• 2:09
  really
• 2:09
  enjoying
• 2:10
  the
• 2:10
  episodes
• 2:10
  you
• 2:11
  put
• 2:11
  out.
• 2:11
  I've
• 2:12
  been
• 2:12
  working
• 2:12
  hard
• 2:13
  to
• 2:13
  get
• 2:13
  my
• 2:13
  finances
• 2:14
  in
• 2:14
  order.
• 2:14
  I
• 2:14
  make
• 2:15
  a
• 2:15
  strong
• 2:15
  income
• 2:16
  and
• 2:16
  over
• 2:16
  the
• 2:16
  past
• 2:17
  year
• 2:17
  I've
• 2:17
  built
• 2:17
  actual
• 2:18
  systems
• 2:19
  so
• 2:19
  my
• 2:19
  money
• 2:20
  isn't
• 2:20
  just
• 2:20
  disappearing.
• 2:22
  But
• 2:22
  here's
• 2:22
  the
• 2:22
  problem.
• 2:23
  I've
• 2:24
  got
• 2:24
  a
• 2:24
  HELOC
• 2:24
  for
• 2:25
  $461,000
• 2:26
  at
• 2:27
  8.5%
• 2:28
  interest.
• 2:29
  That's
• 2:30
  costing
• 2:30
  me
• 2:30
  about
• 2:30
  $3,500
• 2:32
  a
• 2:32
  month
• 2:33
  just
• 2:33
  in
• 2:33
  interest
• 2:35
  every
• 2:35
  single
• 2:36
  month.
• 2:37
  My
• 2:38
  son
• 2:38
  starts
• 2:38
  college
• 2:39
  in
• 2:39
  September.
• 2:40
  I
• 2:40
  didn't
• 2:40
  have
• 2:40
  a
• 2:40
  fund
• 2:41
  for
• 2:41
  him,
• 2:41
  so
• 2:41
  I
• 2:42
  set
• 2:42
  aside
• 2:42
  $64,000
• 2:44
  in
• 2:44
  a
• 2:44
  high
• 2:45
  yield
• 2:45
  savings
• 2:45
  account
• 2:46
  for
• 2:46
  his
• 2:46
  first
• 2:46
  year.
• 2:47
  Since
• 2:48
  January,
• 2:49
  I've
• 2:49
  been
• 2:49
  putting
• 2:50
  $2,000
• 2:51
  a
• 2:51
  month
• 2:51
  into
• 2:52
  a
• 2:52
  529
• 2:53
  for
• 2:53
  him
• 2:53
  and
• 2:53
  my
• 2:54
  daughter.
• 2:55
  She
• 2:55
  starts
• 2:55
  college
• 2:56
  in
• 2:56
  four
• 2:56
  years.
• 2:57
  I'm
• 2:58
  also
• 2:58
  investing
• 2:58
  about
• 2:59
  $5,000
• 3:00
  a
• 3:00
  month.
• 3:01
  So
• 3:02
  here's
• 3:02
  what
• 3:02
  I'm
• 3:02
  wrestling
• 3:03
  with.
• 3:04
  Do
• 3:04
  I
• 3:04
  keep
• 3:04
  going
• 3:05
  as
• 3:05
  I
• 3:05
  am
• 3:05
  and
• 3:06
  just
• 3:06
  live
• 3:06
  with
• 3:07
  the
• 3:07
  HELOC
• 3:07
  interest
• 3:08
  bleeding
• 3:08
  me
• 3:09
  $3,500
• 3:10
  a
• 3:11
  month,
• 3:12
  or
• 3:12
  do
• 3:12
  I
• 3:13
  take
• 3:13
  $80,000
• 3:15
  and
• 3:15
  pay
• 3:15
  down
• 3:15
  the
• 3:16
  HELOC?
• 3:17
  That
• 3:17
  would
• 3:17
  save
• 3:18
  me
• 3:18
  about
• 3:18
  $1,000
• 3:19
  a
• 3:19
  month,
• 3:20
  but
• 3:20
  then
• 3:21
  I'm
• 3:21
  pulling
• 3:21
  from
• 3:21
  somewhere
• 3:22
  else.
• 3:23
  I'm
• 3:23
  not
• 3:23
  sure
• 3:23
  how
• 3:24
  to
• 3:24
  prioritize
• 3:25
  this.
• 3:25
  What's
• 3:26
  the
• 3:26
  right
• 3:26
  move?
• 3:28
  Well,
• 3:28
  friend,
• 3:28
  first
• 3:29
  thing
• 3:29
  I
• 3:29
  want
• 3:29
  to
• 3:29
  acknowledge
• 3:30
  is
• 3:30
  this.
• 3:30
  You've
• 3:31
  done
• 3:31
  a
• 3:31
  ton
• 3:32
  of
• 3:32
  things
• 3:32
  right.
• 3:33
  You've
• 3:33
  done
• 3:33
  a
• 3:34
  lot
• 3:34
  of
• 3:34
  things
• 3:34
  that
• 3:34
  I
• 3:34
  talk
• 3:35
  about
• 3:35
  on
• 3:35
  this
• 3:35
  show
• 3:36
  all
• 3:36
  the
• 3:36
  time
• 3:37
  correctly.
• 3:38
  You've
• 3:38
  built
• 3:39
  structure
• 3:39
  that's
• 3:40
  fantastic.
• 3:41
  You've
• 3:41
  created
• 3:42
  margin
• 3:42
  for
• 3:42
  yourself.
• 3:43
  And
• 3:43
  bigger
• 3:44
  than
• 3:44
  all
• 3:44
  those
• 3:44
  things,
• 3:45
  you're
• 3:45
  thinking
• 3:45
  ahead.
• 3:46
  And
• 3:46
  this
• 3:47
  isn't
• 3:47
  a
• 3:47
  situation
• 3:48
  of
• 3:48
  being
• 3:48
  behind.
• 3:49
  This
• 3:49
  is
• 3:50
  actually
• 3:50
  a
• 3:50
  situation
• 3:51
  of
• 3:51
  deciding
• 3:52
  wisely
• 3:52
  what
• 3:52
  comes
• 3:53
  next.
• 3:53
  You're
• 3:53
  being
• 3:53
  very
• 3:53
  strategic.
• 3:55
  And
• 3:55
  what
• 3:55
  you're
• 3:55
  really
• 3:56
  asking
• 3:56
  is
• 3:56
  you've
• 3:57
  got
• 3:57
  two
• 3:57
  priorities
• 3:58
  that
• 3:58
  both
• 3:58
  matter
• 3:59
  and
• 4:00
  wisdom
• 4:00
  is
• 4:00
  about
• 4:00
  sequencing,
• 4:01
  not
• 4:02
  choosing
• 4:02
  one
• 4:03
  forever.
• 4:03
  So
• 4:04
  let's
• 4:04
  get
• 4:04
  right
• 4:04
  into
• 4:04
  the
• 4:05
  nitty
• 4:05
  gritty
• 4:05
  of
• 4:05
  this
• 4:06
  and
• 4:06
  talk
• 4:06
  about
• 4:07
  what
• 4:07
  you've
• 4:07
  asked
• 4:07
  me.
• 4:08
  You've
• 4:08
  got
• 4:09
  to
• 4:09
  recognize
• 4:09
  the
• 4:10
  weight
• 4:10
  of
• 4:10
  your
• 4:10
  interest
• 4:10
  rate.
• 4:11
  You
• 4:11
  Talked
• 4:11
  about
• 4:11
  an
• 4:12
  8.5%
• 4:13
  home
• 4:13
  equity
• 4:14
  line
• 4:14
  of
• 4:14
  credit.
• 4:14
  That's
• 4:15
  a
• 4:15
  big
• 4:15
  number.
• 4:16
  First
• 4:16
  thing
• 4:16
  I
• 4:16
  want
• 4:16
  to
• 4:17
  say
• 4:17
  to
• 4:17
  you,
• 4:17
  you
• 4:17
  might
• 4:18
  consider
• 4:18
  refinancing
• 4:19
  that
• 4:19
  rates
• 4:20
  have
• 4:20
  come
• 4:20
  down
• 4:20
  a
• 4:20
  little
• 4:21
  bit
• 4:21
  right
• 4:21
  now.
• 4:21
  You
• 4:22
  might
• 4:22
  be
• 4:22
  able
• 4:22
  to
• 4:22
  reduce
• 4:23
  that
• 4:23
  interest
• 4:23
  rate.
• 4:24
  But
• 4:24
  here's
• 4:24
  the
• 4:25
  thing
• 4:25
  you've
• 4:25
  already
• 4:25
  alluded
• 4:26
  to
• 4:26
  that
• 4:26
  interest
• 4:27
  is
• 4:27
  consistent.
• 4:27
  You
• 4:28
  said,
• 4:28
  I'm
• 4:28
  paying
• 4:28
  this
• 4:29
  every
• 4:29
  month.
• 4:30
  It's
• 4:30
  guaranteed.
• 4:31
  And
• 4:31
  yes,
• 4:32
  it's
• 4:32
  working
• 4:32
  against
• 4:33
  you
• 4:33
  every
• 4:33
  month.
• 4:34
  And
• 4:34
  if
• 4:35
  you
• 4:35
  paid
• 4:35
  it
• 4:35
  off,
• 4:35
  guess
• 4:36
  what
• 4:36
  would
• 4:36
  happen?
• 4:37
  You'd
• 4:37
  have
• 4:37
  a
• 4:37
  guaranteed
• 4:38
  return
• 4:38
  of
• 4:38
  8.5%.
• 4:40
  That's
• 4:40
  hard
• 4:41
  to
• 4:41
  match
• 4:41
  with
• 4:41
  low
• 4:42
  risk
• 4:42
  options.
• 4:43
  But
• 4:43
  you
• 4:43
  do
• 4:43
  have
• 4:43
  some
• 4:44
  ideas
• 4:44
  here.
• 4:45
  But
• 4:45
  let's
• 4:45
  acknowledge
• 4:46
  what
• 4:46
  you've
• 4:46
  already
• 4:46
  done
• 4:47
  for
• 4:47
  college,
• 4:47
  because
• 4:47
  that's
• 4:48
  what
• 4:48
  you've
• 4:48
  asked
• 4:48
  me
• 4:48
  about
• 4:49
  specifically.
• 4:49
  I
• 4:50
  want
• 4:50
  to
• 4:50
  pause
• 4:50
  here
• 4:51
  because
• 4:51
  it
• 4:52
  matters.
• 4:53
  You've
• 4:53
  already
• 4:54
  said
• 4:54
  to
• 4:54
  me
• 4:54
  that
• 4:54
  you
• 4:54
  funded
• 4:55
  $64,000
• 4:56
  in
• 4:56
  your
• 4:57
  son's
• 4:57
  first
• 4:57
  year.
• 4:58
  Listen,
• 4:58
  that's
• 4:59
  huge.
• 4:59
  I
• 4:59
  don't
• 5:00
  know
• 5:00
  where
• 5:00
  your
• 5:00
  son's
• 5:00
  going
• 5:00
  to
• 5:01
  college.
• 5:01
  Maybe
• 5:01
  that's
• 5:01
  only
• 5:02
  a
• 5:03
  one
• 5:03
  year
• 5:03
  tuition,
• 5:03
  maybe
• 5:04
  it's
• 5:04
  two.
• 5:05
  But.
• 5:05
  But
• 5:05
  you've
• 5:05
  done
• 5:06
  something.
• 5:06
  You've
• 5:07
  started
• 5:07
  the
• 5:07
  529
• 5:08
  plan.
• 5:08
  You're
• 5:08
  thinking
• 5:09
  ahead.
• 5:09
  You're
• 5:09
  paying
• 5:10
  for
• 5:10
  your
• 5:10
  son
• 5:11
  and
• 5:11
  your
• 5:11
  daughter
• 5:11
  who
• 5:12
  you
• 5:12
  said
• 5:12
  goes
• 5:12
  to
• 5:12
  college
• 5:13
  in
• 5:13
  four
• 5:13
  years.
• 5:13
  And
• 5:14
  you're
• 5:14
  contributing
• 5:15
  to
• 5:15
  it
• 5:15
  consistently.
• 5:17
  Friend,
• 5:17
  that's
• 5:18
  not
• 5:18
  neglect.
• 5:19
  You're
• 5:19
  doing
• 5:19
  a
• 5:19
  lot
• 5:19
  of
• 5:20
  right
• 5:20
  things,
• 5:20
  you're
• 5:21
  doing
• 5:21
  strong
• 5:21
  things
• 5:22
  and
• 5:22
  you're
• 5:22
  doing
• 5:23
  intentional
• 5:23
  things.
• 5:25
  So
• 5:25
  let's
• 5:25
  get
• 5:26
  into
• 5:26
  it.
• 5:26
  You
• 5:26
  got
• 5:26
  to
• 5:27
  understand
• 5:27
  the
• 5:27
  opportunity
• 5:28
  cost.
• 5:28
  You
• 5:29
  got
• 5:29
  $80,000.
• 5:30
  It's
• 5:30
  parked.
• 5:32
  If
• 5:32
  you
• 5:32
  leave
• 5:32
  that
• 5:33
  $80,000
• 5:33
  in
• 5:34
  place,
• 5:34
  you
• 5:34
  got
• 5:34
  flexibility.
• 5:35
  You
• 5:35
  can
• 5:36
  use
• 5:36
  that
• 5:36
  for
• 5:36
  other
• 5:36
  things.
• 5:37
  Now,
• 5:37
  of
• 5:37
  course,
• 5:38
  if
• 5:38
  you
• 5:38
  continue
• 5:39
  paying
• 5:39
  high
• 5:40
  interest
• 5:40
  by
• 5:40
  doing
• 5:40
  that,
• 5:41
  but
• 5:41
  if
• 5:41
  you
• 5:42
  apply
• 5:42
  it
• 5:42
  to
• 5:42
  the
• 5:42
  home
• 5:43
  equity
• 5:43
  line
• 5:43
  of
• 5:43
  credit,
• 5:44
  you
• 5:44
  do
• 5:44
  reduce
• 5:45
  your
• 5:45
  monthly
• 5:45
  pressure.
• 5:46
  Like
• 5:46
  you
• 5:46
  said,
• 5:47
  you're
• 5:47
  going
• 5:47
  to
• 5:47
  free
• 5:47
  up
• 5:47
  about
• 5:47
  $1,000
• 5:48
  a
• 5:48
  month.
• 5:49
  And
• 5:49
  yes,
• 5:49
  you're
• 5:50
  going
• 5:50
  to
• 5:50
  improve
• 5:50
  your
• 5:50
  long
• 5:51
  term
• 5:51
  cash
• 5:51
  flow.
• 5:53
  But
• 5:53
  this
• 5:53
  comes
• 5:53
  to
• 5:53
  be
• 5:54
  trade
• 5:54
  off
• 5:54
  here.
• 5:54
  There's
• 5:55
  an
• 5:55
  obvious
• 5:55
  trade
• 5:56
  off.
• 5:56
  You
• 5:56
  lose
• 5:57
  your
• 5:57
  liquidity,
• 5:58
  you're
• 5:58
  not
• 5:58
  going
• 5:58
  to
• 5:59
  have
• 5:59
  that
• 5:59
  money
• 5:59
  to
• 6:00
  be
• 6:00
  able
• 6:00
  to
• 6:00
  pivot.
• 6:00
  What
• 6:01
  happens
• 6:01
  if
• 6:01
  I
• 6:02
  don't
• 6:02
  know
• 6:02
  what
• 6:02
  your
• 6:02
  other
• 6:03
  situations
• 6:03
  are?
• 6:03
  That's
• 6:04
  the
• 6:04
  problem
• 6:04
  with
• 6:04
  these
• 6:04
  voicemails.
• 6:05
  I
• 6:05
  don't
• 6:05
  know
• 6:05
  exactly
• 6:06
  everything
• 6:06
  that's
• 6:06
  going
• 6:07
  on
• 6:07
  in
• 6:07
  your
• 6:07
  world,
• 6:08
  but
• 6:08
  you
• 6:08
  are
• 6:08
  going
• 6:08
  to
• 6:08
  lose
• 6:09
  some
• 6:09
  liquidity.
• 6:10
  And
• 6:11
  that
• 6:11
  reduces
• 6:11
  pressure
• 6:12
  later,
• 6:12
  of
• 6:13
  course,
• 6:13
  because
• 6:13
  you
• 6:13
  don't
• 6:13
  have
• 6:14
  that
• 6:14
  mortgage
• 6:14
  anymore,
• 6:14
  you
• 6:14
  don't
• 6:15
  have
• 6:15
  that
• 6:15
  home
• 6:15
  equity
• 6:15
  line
• 6:15
  of
• 6:16
  credit.
• 6:16
  But
• 6:16
  like
• 6:16
  I
• 6:16
  said,
• 6:16
  one
• 6:16
  thing
• 6:16
  I
• 6:16
  think
• 6:17
  you've
• 6:17
  missed
• 6:17
  here
• 6:17
  is
• 6:18
  you
• 6:18
  might
• 6:18
  be
• 6:18
  able
• 6:18
  to
• 6:19
  refinance
• 6:19
  it,
• 6:20
  but
• 6:20
  you've
• 6:20
  got
• 6:20
  to
• 6:21
  think
• 6:21
  in
• 6:21
  terms
• 6:21
  of
• 6:21
  cash
• 6:22
  flow,
• 6:22
  not
• 6:22
  just
• 6:23
  balances.
• 6:24
  And
• 6:24
  here's
• 6:24
  a
• 6:24
  shift
• 6:24
  I
• 6:24
  want
• 6:25
  you
• 6:25
  to
• 6:25
  think
• 6:25
  about.
• 6:26
  You
• 6:26
  said
• 6:26
  to
• 6:27
  me
• 6:27
  you'd
• 6:27
  have
• 6:27
  an
• 6:27
  extra
• 6:28
  thousand
• 6:28
  dollars
• 6:28
  a
• 6:29
  month.
• 6:29
  What
• 6:30
  does
• 6:30
  that
• 6:30
  really
• 6:30
  mean
• 6:31
  to
• 6:31
  you?
• 6:31
  What
• 6:31
  would
• 6:32
  you
• 6:32
  do
• 6:32
  with
• 6:32
  that?
• 6:33
  Does
• 6:33
  it
• 6:33
  give
• 6:33
  you
• 6:33
  more
• 6:33
  flexibility?
• 6:34
  I
• 6:34
  can
• 6:35
  do
• 6:35
  this,
• 6:35
  I
• 6:35
  can
• 6:35
  do
• 6:35
  that.
• 6:36
  Does
• 6:36
  it
• 6:36
  give
• 6:36
  you
• 6:37
  more
• 6:37
  margin?
• 6:38
  I
• 6:38
  actually
• 6:38
  think
• 6:39
  what
• 6:39
  you
• 6:39
  do
• 6:39
  is
• 6:39
  it
• 6:39
  would
• 6:40
  give
• 6:40
  you
• 6:40
  more
• 6:40
  ability
• 6:40
  to
• 6:40
  keep
• 6:41
  investing
• 6:41
  in
• 6:41
  savings
• 6:42
  because
• 6:42
  honestly,
• 6:42
  you
• 6:43
  are
• 6:43
  an
• 6:43
  investor
• 6:44
  and
• 6:44
  you're
• 6:44
  a
• 6:44
  saver.
• 6:45
  That's
• 6:45
  a
• 6:45
  fantastic
• 6:46
  thing.
• 6:47
  Cash
• 6:48
  flow
• 6:48
  is
• 6:48
  what
• 6:48
  a
• 6:49
  lot
• 6:49
  of
• 6:49
  people
• 6:49
  don't
• 6:49
  think
• 6:50
  about,
• 6:50
  but
• 6:50
  cash
• 6:51
  flow
• 6:51
  is
• 6:51
  what
• 6:52
  sustains
• 6:52
  your
• 6:52
  plan,
• 6:53
  not
• 6:53
  just
• 6:53
  the
• 6:53
  account
• 6:54
  balances.
• 6:56
  So
• 6:56
  here's
• 6:56
  my
• 6:56
  advice
• 6:57
  for
• 6:57
  you.
• 6:58
  I
• 6:58
  want
• 6:58
  you
• 6:58
  to
• 6:58
  consider
• 6:59
  a
• 6:59
  balanced
• 6:59
  move
• 7:00
  forward.
• 7:01
  It
• 7:01
  doesn't
• 7:01
  have
• 7:01
  to
• 7:01
  be
• 7:01
  an
• 7:02
  all
• 7:02
  or
• 7:02
  nothing.
• 7:02
  And
• 7:02
  that's
• 7:02
  the
• 7:03
  thing
• 7:03
  I
• 7:03
  hear
• 7:03
  in
• 7:03
  your
• 7:03
  question.
• 7:03
  You're
• 7:04
  like,
• 7:04
  Ralph,
• 7:04
  I
• 7:04
  could
• 7:04
  do
• 7:05
  this
• 7:05
  or
• 7:05
  I
• 7:05
  can
• 7:05
  do
• 7:05
  this.
• 7:06
  No,
• 7:06
  there
• 7:06
  is
• 7:07
  beauty
• 7:07
  to
• 7:07
  this.
• 7:07
  You
• 7:08
  could
• 7:08
  do
• 7:08
  about
• 7:08
  15
• 7:08
  different
• 7:09
  things.
• 7:10
  Maybe
• 7:10
  right
• 7:10
  now
• 7:11
  you
• 7:11
  take
• 7:11
  a
• 7:11
  portion
• 7:12
  of
• 7:12
  that
• 7:12
  $80,000
• 7:13
  and
• 7:13
  pay
• 7:14
  down
• 7:14
  that
• 7:14
  home
• 7:14
  equity
• 7:15
  line
• 7:15
  of
• 7:15
  credit,
• 7:16
  but
• 7:16
  not
• 7:16
  pay
• 7:17
  at
• 7:17
  all.
• 7:17
  That
• 7:17
  way
• 7:17
  you've
• 7:17
  got
• 7:17
  some
• 7:18
  liquidity
• 7:18
  for
• 7:18
  peace
• 7:19
  of
• 7:19
  mind
• 7:19
  and
• 7:19
  then
• 7:19
  you
• 7:20
  continue
• 7:20
  those
• 7:20
  steady
• 7:21
  contributions
• 7:21
  to
• 7:21
  the
• 7:22
  529
• 7:22
  plan.
• 7:22
  Again,
• 7:23
  I
• 7:23
  don't
• 7:23
  know
• 7:23
  the
• 7:24
  specifics
• 7:24
  of
• 7:24
  how
• 7:25
  much
• 7:25
  the
• 7:25
  tuition
• 7:25
  is
• 7:26
  going
• 7:26
  to
• 7:26
  cost,
• 7:27
  but
• 7:27
  here's
• 7:27
  the
• 7:27
  thing.
• 7:28
  Don't
• 7:28
  beat
• 7:28
  yourself
• 7:29
  up.
• 7:29
  So
• 7:29
  many
• 7:30
  people
• 7:30
  get
• 7:30
  trapped
• 7:30
  in
• 7:31
  this
• 7:31
  perfection
• 7:32
  goal.
• 7:33
  Your
• 7:33
  goal
• 7:33
  isn't
• 7:34
  perfection.
• 7:34
  It's
• 7:35
  stability
• 7:35
  that
• 7:35
  lasts.
• 7:36
  And
• 7:36
  friend,
• 7:36
  you're
• 7:36
  doing
• 7:36
  a
• 7:37
  lot
• 7:37
  of
• 7:37
  those
• 7:37
  things.
• 7:38
  But
• 7:38
  I
• 7:38
  want
• 7:39
  to
• 7:39
  go
• 7:39
  a
• 7:39
  little
• 7:39
  deeper
• 7:39
  here.
• 7:40
  Decisions
• 7:41
  like
• 7:41
  this
• 7:41
  can
• 7:42
  feel
• 7:42
  heavy.
• 7:42
  I
• 7:42
  can
• 7:43
  feel
• 7:43
  the
• 7:43
  heaviness
• 7:43
  in
• 7:44
  your
• 7:44
  voice.
• 7:45
  I
• 7:45
  love
• 7:46
  the
• 7:46
  fact.
• 7:46
  And
• 7:46
  you're
• 7:47
  showing
• 7:47
  so
• 7:47
  much
• 7:47
  love
• 7:48
  to
• 7:48
  your
• 7:48
  children.
• 7:48
  You're
• 7:49
  trying
• 7:49
  to
• 7:49
  do
• 7:49
  the
• 7:49
  right
• 7:50
  thing
• 7:50
  by
• 7:50
  your
• 7:50
  family.
• 7:51
  You're
• 7:51
  trying
• 7:51
  to
• 7:52
  be
• 7:52
  wise.
• 7:53
  And
• 7:53
  I
• 7:53
  can
• 7:53
  just
• 7:54
  sense
• 7:54
  the
• 7:54
  pressure
• 7:55
  that's
• 7:55
  all
• 7:55
  around
• 7:55
  you
• 7:56
  and
• 7:57
  that
• 7:57
  can
• 7:57
  continue
• 7:57
  to
• 7:58
  build
• 7:58
  up
• 7:58
  if
• 7:58
  you're
• 7:58
  not
• 7:58
  careful.
• 8:00
  But
• 8:00
  here's
• 8:00
  the
• 8:00
  thing,
• 8:01
  friend.
• 8:01
  God
• 8:02
  isn't
• 8:02
  asking
• 8:02
  you
• 8:03
  to
• 8:03
  carry
• 8:03
  that
• 8:03
  weight
• 8:04
  alone.
• 8:05
  That's
• 8:05
  the
• 8:05
  thing.
• 8:05
  It's
• 8:06
  so
• 8:06
  easy
• 8:06
  to
• 8:06
  get
• 8:06
  stuck
• 8:06
  on.
• 8:07
  Well,
• 8:07
  I
• 8:07
  just
• 8:07
  got
• 8:07
  to
• 8:07
  figure
• 8:08
  this
• 8:08
  all
• 8:08
  out.
• 8:08
  No,
• 8:08
  you
• 8:09
  don't.
• 8:10
  God
• 8:10
  is
• 8:10
  there
• 8:10
  to
• 8:10
  help
• 8:11
  you.
• 8:12
  God
• 8:12
  gives
• 8:12
  us
• 8:12
  all
• 8:13
  wisdom
• 8:13
  to
• 8:13
  make
• 8:14
  decisions
• 8:14
  like
• 8:14
  this
• 8:15
  right
• 8:15
  in
• 8:15
  the
• 8:15
  middle
• 8:16
  of
• 8:16
  this.
• 8:16
  So
• 8:16
  I
• 8:16
  just
• 8:17
  want
• 8:17
  to
• 8:17
  encourage
• 8:17
  you
• 8:17
  right
• 8:17
  now,
• 8:18
  maybe
• 8:18
  you
• 8:18
  need
• 8:18
  to
• 8:19
  pray
• 8:19
  a
• 8:19
  little
• 8:19
  bit
• 8:20
  and
• 8:20
  maybe
• 8:20
  ask
• 8:20
  God
• 8:21
  to
• 8:21
  help
• 8:21
  you
• 8:21
  prioritize
• 8:22
  these
• 8:22
  things.
• 8:23
  Well,
• 8:23
  hey,
• 8:23
  it's
• 8:24
  okay
• 8:24
  to
• 8:24
  say
• 8:24
  to
• 8:24
  God,
• 8:25
  listen,
• 8:25
  I'm
• 8:25
  confused
• 8:26
  here,
• 8:26
  God,
• 8:26
  I'm
• 8:26
  not
• 8:26
  sure
• 8:27
  what
• 8:27
  I
• 8:27
  should
• 8:27
  do.
• 8:29
  You
• 8:29
  know,
• 8:29
  guide
• 8:29
  me
• 8:30
  in
• 8:30
  what
• 8:30
  matters
• 8:30
  most
• 8:31
  right
• 8:31
  now
• 8:31
  in
• 8:31
  the
• 8:31
  season
• 8:32
  that
• 8:32
  you're
• 8:32
  in.
• 8:33
  But
• 8:33
  I
• 8:33
  want
• 8:33
  you
• 8:34
  to
• 8:34
  hear
• 8:34
  this
• 8:34
  and
• 8:34
  I
• 8:34
  want
• 8:34
  you
• 8:35
  to
• 8:35
  hear
• 8:35
  this
• 8:35
  loud
• 8:35
  and
• 8:35
  clear.
• 8:36
  You
• 8:36
  are
• 8:36
  not
• 8:36
  behind,
• 8:37
  my
• 8:37
  friend.
• 8:38
  I
• 8:38
  just
• 8:38
  feel
• 8:39
  like
• 8:39
  you're
• 8:39
  being
• 8:39
  refined
• 8:40
  in
• 8:40
  how
• 8:41
  you
• 8:41
  lead
• 8:41
  your
• 8:41
  finances,
• 8:42
  and
• 8:42
  that's
• 8:42
  a
• 8:42
  great
• 8:43
  place
• 8:43
  to
• 8:43
  be.
• 8:44
  So
• 8:44
  here's
• 8:44
  your
• 8:44
  win
• 8:45
  for
• 8:45
  today.
• 8:46
  I
• 8:46
  mentioned
• 8:46
  this
• 8:47
  a
• 8:47
  little
• 8:47
  while
• 8:47
  ago.
• 8:48
  It's
• 8:48
  time
• 8:48
  to
• 8:49
  choose
• 8:49
  your
• 8:49
  sequence.
• 8:50
  What
• 8:51
  I
• 8:51
  mean
• 8:51
  by
• 8:51
  that
• 8:51
  is
• 8:52
  right
• 8:52
  now
• 8:52
  I
• 8:52
  want
• 8:52
  you
• 8:52
  to
• 8:52
  write
• 8:53
  down
• 8:53
  this.
• 8:54
  What
• 8:54
  do
• 8:54
  you
• 8:54
  want
• 8:54
  to
• 8:55
  do?
• 8:55
  Right
• 8:55
  now
• 8:55
  I'm
• 8:56
  going
• 8:56
  to
• 8:56
  prioritize
• 8:57
  whatever
• 8:57
  that
• 8:57
  is,
• 8:57
  whatever
• 8:58
  you
• 8:58
  think
• 8:58
  is
• 8:58
  important.
• 8:59
  But
• 8:59
  you're
• 8:59
  going
• 8:59
  to
• 8:59
  continue
• 9:00
  to
• 9:00
  support
• 9:00
  the
• 9:01
  other
• 9:01
  thing.
• 9:01
  I
• 9:01
  want
• 9:01
  you
• 9:02
  to
• 9:02
  write
• 9:02
  it
• 9:02
  down.
• 9:02
  So
• 9:02
  maybe
• 9:03
  right
• 9:03
  now
• 9:03
  you
• 9:03
  prioritize.
• 9:04
  I
• 9:04
  want
• 9:04
  to
• 9:04
  get
• 9:04
  out
• 9:05
  of
• 9:05
  debt.
• 9:06
  So
• 9:06
  you
• 9:06
  are
• 9:06
  very
• 9:06
  aggressive
• 9:07
  in
• 9:07
  paying
• 9:07
  off
• 9:08
  debt.
• 9:08
  You're
• 9:08
  investing
• 9:09
  a
• 9:09
  lot
• 9:09
  of
• 9:09
  money
• 9:09
  every
• 9:10
  month,
• 9:10
  so
• 9:10
  maybe
• 9:10
  you
• 9:11
  just
• 9:11
  need
• 9:11
  to
• 9:11
  more
• 9:12
  pay
• 9:12
  more
• 9:12
  on
• 9:12
  that
• 9:13
  mortgage
• 9:13
  instead
• 9:13
  of
• 9:13
  just
• 9:14
  making
• 9:14
  that
• 9:14
  simple
• 9:15
  $1,000
• 9:16
  payment.
• 9:16
  Maybe
• 9:16
  you
• 9:17
  have
• 9:17
  a
• 9:17
  blended
• 9:17
  approach
• 9:18
  because
• 9:18
  you
• 9:19
  sense
• 9:19
  it
• 9:19
  already.
• 9:19
  You're
• 9:20
  trying
• 9:20
  to
• 9:20
  support
• 9:20
  your
• 9:20
  kids
• 9:21
  and
• 9:21
  you're
• 9:21
  trying
• 9:21
  to
• 9:22
  support
• 9:22
  yourself.
• 9:22
  And
• 9:23
  this
• 9:23
  is
• 9:23
  hard.
• 9:24
  This
• 9:24
  is
• 9:24
  hard
• 9:24
  as
• 9:25
  a
• 9:25
  parent,
• 9:25
  but
• 9:26
  I
• 9:26
  want
• 9:26
  to
• 9:26
  encourage
• 9:26
  you
• 9:26
  to
• 9:27
  write
• 9:27
  that
• 9:27
  down
• 9:27
  because
• 9:28
  that
• 9:28
  clarity
• 9:29
  is
• 9:29
  going
• 9:29
  to
• 9:30
  reduce
• 9:30
  the
• 9:30
  second
• 9:30
  guessing.
• 9:31
  You
• 9:31
  seem
• 9:31
  to
• 9:31
  me
• 9:31
  like
• 9:31
  somebody
• 9:32
  that's
• 9:32
  going
• 9:32
  to
• 9:32
  second
• 9:32
  guess
• 9:33
  yourself.
• 9:34
  So
• 9:34
  write
• 9:34
  it
• 9:34
  down
• 9:34
  and
• 9:35
  be
• 9:35
  clear
• 9:35
  about
• 9:35
  it,
• 9:36
  pray
• 9:36
  about
• 9:36
  it,
• 9:36
  and
• 9:37
  set
• 9:37
  that
• 9:37
  goal
• 9:37
  to
• 9:37
  move
• 9:38
  forward.
• 9:38
  Well,
• 9:39
  let's
• 9:39
  get
• 9:39
  into
• 9:39
  the
• 9:39
  Bible.
• 9:40
  Today
• 9:40
  we're
• 9:40
  going
• 9:40
  to
• 9:40
  go
• 9:41
  to
• 9:41
  the
• 9:41
  book
• 9:41
  of
• 9:41
  Ecclesiastes,
• 9:42
  chapter
• 9:43
  3,
• 9:43
  verse
• 9:43
  1.
• 9:44
  There
• 9:45
  is
• 9:45
  a
• 9:45
  time
• 9:45
  for
• 9:45
  everything
• 9:46
  and
• 9:47
  a
• 9:47
  season
• 9:47
  for
• 9:48
  every
• 9:48
  activity
• 9:49
  under
• 9:49
  the
• 9:49
  heavens.
• 9:50
  Now
• 9:50
  you
• 9:50
  might
• 9:50
  be
• 9:51
  saying,
• 9:51
  ralph,
• 9:51
  wait
• 9:51
  a
• 9:51
  minute.
• 9:51
  That's
• 9:52
  a
• 9:52
  stretch,
• 9:52
  dude.
• 9:53
  But
• 9:53
  here's
• 9:53
  the
• 9:53
  thing.
• 9:53
  I
• 9:54
  think
• 9:54
  it
• 9:54
  doesn't.
• 9:54
  It's
• 9:55
  not
• 9:55
  a
• 9:55
  stretch.
• 9:56
  Financial
• 9:57
  wisdom
• 9:57
  often
• 9:58
  comes
• 9:58
  down
• 9:58
  to
• 9:58
  recognizing
• 10:00
  what
• 10:00
  needs
• 10:00
  your
• 10:00
  focus.
• 10:01
  In
• 10:01
  this
• 10:01
  season.
• 10:02
  You've
• 10:02
  said
• 10:02
  it.
• 10:03
  Right
• 10:03
  now
• 10:04
  my
• 10:04
  season
• 10:04
  is
• 10:05
  I
• 10:05
  want
• 10:05
  to
• 10:05
  put
• 10:05
  my
• 10:05
  kids
• 10:06
  through
• 10:06
  college.
• 10:06
  Real
• 10:07
  pet
• 10:07
  peeve
• 10:08
  ran
• 10:08
  of
• 10:08
  Ralph's.
• 10:09
  So
• 10:09
  many
• 10:10
  kids
• 10:10
  are
• 10:10
  going
• 10:11
  into
• 10:11
  their
• 10:12
  first
• 10:12
  career
• 10:12
  weighted
• 10:13
  down
• 10:13
  in
• 10:14
  student
• 10:14
  loan
• 10:14
  debt.
• 10:15
  So
• 10:15
  I
• 10:16
  love
• 10:16
  the
• 10:16
  fact
• 10:16
  that
• 10:17
  you're
• 10:17
  trying
• 10:17
  to
• 10:17
  help
• 10:17
  your
• 10:17
  kids
• 10:18
  not
• 10:18
  be
• 10:18
  in
• 10:18
  that
• 10:18
  position.
• 10:19
  I
• 10:19
  think
• 10:19
  that
• 10:20
  is
• 10:20
  admirable.
• 10:21
  And
• 10:21
  this
• 10:21
  season
• 10:21
  of
• 10:22
  your
• 10:22
  life,
• 10:22
  it
• 10:22
  might
• 10:22
  mean,
• 10:23
  yeah,
• 10:23
  I'm
• 10:23
  going
• 10:23
  to
• 10:23
  carry
• 10:24
  a
• 10:24
  little
• 10:24
  debt
• 10:24
  because
• 10:25
  I
• 10:25
  see
• 10:25
  the
• 10:25
  value
• 10:26
  to
• 10:26
  my
• 10:26
  kids
• 10:26
  in
• 10:26
  the
• 10:27
  future.
• 10:28
  So
• 10:28
  just
• 10:28
  realize
• 10:29
  that
• 10:29
  this
• 10:29
  is
• 10:29
  a
• 10:30
  season
• 10:30
  of
• 10:30
  your
• 10:30
  life
• 10:30
  and
• 10:31
  maybe
• 10:31
  right
• 10:31
  now
• 10:31
  your
• 10:31
  focus
• 10:32
  is
• 10:32
  on
• 10:32
  your
• 10:32
  kids.
• 10:33
  You
• 10:33
  want
• 10:33
  to
• 10:33
  get
• 10:33
  them
• 10:33
  started
• 10:34
  without
• 10:34
  that
• 10:35
  heavy
• 10:35
  burden
• 10:36
  of
• 10:36
  student
• 10:36
  loan
• 10:36
  debt.
• 10:37
  How
• 10:37
  about
• 10:38
  we
• 10:38
  pray
• 10:38
  together
• 10:38
  right
• 10:38
  now?
• 10:39
  Heavenly
• 10:40
  Father,
• 10:41
  I
• 10:41
  lift
• 10:41
  up
• 10:41
  my
• 10:42
  friend
• 10:42
  who's
• 10:42
  carrying
• 10:42
  the
• 10:43
  responsibility
• 10:43
  of
• 10:44
  providing
• 10:44
  and
• 10:45
  planning
• 10:45
  well
• 10:45
  for
• 10:45
  their
• 10:46
  family.
• 10:47
  And
• 10:47
  Lord,
• 10:47
  you
• 10:47
  see
• 10:48
  their
• 10:48
  heart,
• 10:49
  you
• 10:49
  see
• 10:49
  their
• 10:49
  effort
• 10:50
  and
• 10:51
  you
• 10:51
  see
• 10:51
  the
• 10:51
  decisions
• 10:52
  in
• 10:52
  front
• 10:52
  of
• 10:52
  them.
• 10:54
  So
• 10:54
  Lord,
• 10:54
  right
• 10:54
  now
• 10:54
  I
• 10:55
  ask
• 10:55
  that
• 10:55
  you
• 10:55
  would
• 10:55
  give
• 10:55
  them
• 10:56
  wisdom
• 10:56
  to
• 10:56
  prioritize
• 10:57
  their
• 10:58
  life
• 10:58
  with
• 10:58
  confidence.
• 11:00
  And
• 11:00
  Lord,
• 11:00
  as
• 11:00
  much
• 11:00
  as
• 11:01
  you
• 11:01
  can,
• 11:01
  help
• 11:01
  them
• 11:02
  to
• 11:02
  not
• 11:02
  feel
• 11:02
  torn,
• 11:03
  but
• 11:03
  to
• 11:03
  really
• 11:03
  feel
• 11:03
  guided
• 11:04
  in
• 11:04
  their
• 11:04
  decisions,
• 11:06
  I
• 11:06
  ask
• 11:06
  that
• 11:06
  you
• 11:06
  would
• 11:07
  bring
• 11:07
  peace
• 11:07
  to
• 11:07
  their
• 11:07
  mind,
• 11:08
  Lord,
• 11:08
  clarity
• 11:09
  to
• 11:09
  their
• 11:09
  next
• 11:09
  step
• 11:10
  and
• 11:11
  assurance,
• 11:11
  Lord,
• 11:12
  that
• 11:12
  you
• 11:13
  are
• 11:13
  with
• 11:13
  them
• 11:13
  even
• 11:14
  in
• 11:14
  this
• 11:14
  process.
• 11:16
  Lord,
• 11:16
  I
• 11:16
  just
• 11:16
  ask
• 11:16
  that
• 11:17
  you
• 11:17
  would
• 11:17
  strengthen
• 11:17
  all
• 11:18
  of
• 11:18
  us
• 11:18
  as
• 11:18
  we
• 11:18
  try
• 11:18
  to
• 11:19
  lead
• 11:19
  our
• 11:19
  families
• 11:19
  well.
• 11:20
  And
• 11:20
  we
• 11:20
  ask
• 11:21
  this
• 11:21
  in
• 11:21
  Jesus
• 11:22
  name.
• 11:23
  Amen,
• 11:25
  friend.
• 11:25
  You
• 11:25
  don't
• 11:26
  have
• 11:26
  to
• 11:26
  do
• 11:26
  everything
• 11:26
  at
• 11:27
  once.
• 11:28
  Just
• 11:28
  do
• 11:28
  the
• 11:28
  right
• 11:29
  thing
• 11:29
  for
• 11:29
  this
• 11:29
  season
• 11:30
  in
• 11:30
  your
• 11:30
  life.
• 11:32
  And
• 11:32
  maybe
• 11:32
  right
• 11:32
  now,
• 11:32
  as
• 11:33
  you're
• 11:33
  listening
• 11:33
  or
• 11:33
  you're
• 11:34
  watching
• 11:34
  this,
• 11:35
  you're
• 11:35
  unsure
• 11:35
  what
• 11:36
  deserves
• 11:36
  your
• 11:36
  focus
• 11:36
  in
• 11:37
  this
• 11:37
  season
• 11:37
  in
• 11:37
  your
• 11:38
  life.
• 11:38
  And
• 11:39
  you
• 11:39
  could
• 11:39
  really
• 11:39
  use
• 11:39
  some
• 11:40
  help
• 11:40
  with
• 11:40
  that.
• 11:40
  I
• 11:40
  would
• 11:40
  love
• 11:41
  to
• 11:41
  help
• 11:41
  you
• 11:41
  in
• 11:41
  this
• 11:42
  season
• 11:42
  of
• 11:42
  your
• 11:42
  life.
• 11:43
  You
• 11:43
  can
• 11:43
  send
• 11:44
  me
• 11:44
  your
• 11:44
  question
• 11:44
  by
• 11:45
  going
• 11:45
  to
• 11:45
  financiallyconfidentchristian.com/question
• 11:49
  We'll
• 11:50
  put
• 11:50
  a
• 11:50
  link
• 11:50
  in
• 11:50
  the
• 11:50
  show
• 11:50
  notes.
• 11:51
  You
• 11:51
  just
• 11:51
  click
• 11:51
  that
• 11:51
  link
• 11:52
  and
• 11:52
  just
• 11:52
  tell
• 11:52
  me
• 11:52
  what's
• 11:52
  going
• 11:53
  on.
• 11:53
  But
• 11:53
  again,
• 11:53
  go
• 11:54
  to
• 11:54
  financiallyconfidentchristian.com/question
• 11:58
  I
• 11:59
  want
• 11:59
  to
• 11:59
  thank
• 11:59
  you
• 11:59
  so
• 11:59
  much
• 11:59
  for
• 12:00
  joining
• 12:00
  me
• 12:00
  today.
• 12:01
  As
• 12:01
  I
• 12:01
  always
• 12:01
  say,
• 12:02
  stay
• 12:02
  financially
• 12:03
  savvy,
• 12:03
  live
• 12:04
  in
• 12:04
  this
• 12:04
  season
• 12:04
  right
• 12:05
  now,
• 12:05
  make
• 12:05
  the
• 12:05
  best
• 12:05
  decision
• 12:06
  for
• 12:06
  you.
• 12:07
  May
• 12:07
  God
• 12:07
  bless
• 12:08
  you
• 12:08
  and
• 12:08
  you
• 12:08
  have
• 12:09
  a
• 12:09
  truly
• 12:09
  great
• 12:09
  day
• 12:10
  today.