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How Can You Break the Cycle of Financial Fear Once and for All? · Becoming Financially Confident

• 0:37
  Fear
• 0:37
  does
• 0:38
  strange
• 0:38
  things
• 0:38
  to
• 0:38
  your
• 0:39
  money.
• 0:39
  Sometimes
• 0:40
  fear
• 0:40
  makes
• 0:40
  you
• 0:41
  spend.
• 0:41
  Like,
• 0:41
  buy
• 0:42
  it
• 0:42
  now,
• 0:42
  because
• 0:42
  what
• 0:43
  if
• 0:43
  later
• 0:43
  is
• 0:43
  even
• 0:43
  worse.
• 0:45
  Sometimes
• 0:45
  fears
• 0:46
  makes
• 0:46
  you
• 0:46
  hoard.
• 0:47
  Like,
• 0:47
  don't
• 0:47
  touch
• 0:48
  anything
• 0:48
  because
• 0:48
  what
• 0:48
  if
• 0:49
  it
• 0:49
  all
• 0:49
  falls
• 0:49
  apart?
• 0:50
  And
• 0:51
  sometimes
• 0:51
  fear
• 0:51
  just
• 0:52
  sits
• 0:52
  in
• 0:52
  your
• 0:52
  chest
• 0:52
  like
• 0:52
  this
• 0:53
  constant
• 0:53
  hum.
• 0:54
  You
• 0:54
  got
• 0:54
  that
• 0:55
  fear
• 0:55
  of
• 0:55
  the
• 0:55
  bills
• 0:56
  and
• 0:56
  prices
• 0:56
  in
• 0:56
  the
• 0:57
  future
• 0:57
  and
• 0:57
  those
• 0:57
  what
• 0:58
  ifs.
• 0:59
  And
• 1:00
  friend,
• 1:00
  fear
• 1:00
  can
• 1:00
  feel
• 1:01
  like
• 1:01
  you're
• 1:01
  being
• 1:01
  responsible,
• 1:02
  but
• 1:03
  really
• 1:03
  it's
• 1:04
  just
• 1:04
  keeping
• 1:04
  you
• 1:04
  trapped.
• 1:05
  And
• 1:06
  here's
• 1:06
  the
• 1:06
  truth.
• 1:07
  Fear
• 1:07
  is
• 1:08
  not
• 1:08
  from
• 1:08
  God.
• 1:09
  So
• 1:09
  today
• 1:09
  we're
• 1:10
  going
• 1:10
  to
• 1:10
  start
• 1:10
  breaking
• 1:10
  its
• 1:10
  grip
• 1:11
  gently,
• 1:11
  practically,
• 1:12
  and
• 1:12
  in
• 1:12
  a
• 1:13
  way
• 1:13
  that
• 1:13
  you
• 1:13
  can
• 1:13
  actually
• 1:13
  live
• 1:14
  out.
• 1:14
  Because,
• 1:14
  friend,
• 1:15
  you
• 1:15
  can
• 1:15
  change
• 1:16
  this.
• 1:17
  So
• 1:17
  here's
• 1:17
  the
• 1:17
  question
• 1:18
  you
• 1:18
  and
• 1:18
  I
• 1:18
  are
• 1:18
  answering
• 1:19
  today.
• 1:19
  How
• 1:19
  can
• 1:20
  you
• 1:20
  break
• 1:20
  that
• 1:20
  cycle
• 1:21
  of
• 1:21
  financial
• 1:21
  fear
• 1:22
  once
• 1:22
  and
• 1:22
  for
• 1:22
  all?
• 1:23
  And
• 1:23
  I
• 1:23
  want
• 1:23
  to
• 1:24
  help.
• 1:24
  You
• 1:24
  name
• 1:24
  it,
• 1:24
  I
• 1:24
  want
• 1:25
  to
• 1:25
  help
• 1:25
  you
• 1:25
  understand
• 1:25
  it.
• 1:26
  But
• 1:26
  bigger
• 1:26
  than
• 1:26
  any
• 1:26
  of
• 1:27
  those
• 1:27
  things,
• 1:27
  I
• 1:27
  want
• 1:28
  to
• 1:28
  help
• 1:28
  you
• 1:28
  replace
• 1:28
  it
• 1:28
  with
• 1:29
  what
• 1:29
  God
• 1:29
  actually
• 1:29
  gives
• 1:30
  you.
• 1:30
  This
• 1:31
  isn't
• 1:31
  about
• 1:31
  hype.
• 1:32
  It's
• 1:32
  not
• 1:32
  about
• 1:32
  pressure.
• 1:33
  Just
• 1:33
  a
• 1:33
  steadier
• 1:34
  heart
• 1:34
  and
• 1:35
  a
• 1:35
  clearer
• 1:35
  next
• 1:36
  step.
• 1:58
  Hey,
• 1:58
  friend.
• 1:58
  Ralph
• 1:58
  Estep
• 1:59
  Jr.
• 1:59
  Here.
• 1:59
  Welcome
• 2:00
  to
• 2:00
  Financially
• 2:00
  Confident
• 2:01
  Christian,
• 2:01
  where
• 2:02
  we
• 2:02
  learn
• 2:02
  how
• 2:02
  to
• 2:02
  walk
• 2:02
  through
• 2:03
  life
• 2:03
  and
• 2:03
  money
• 2:03
  with
• 2:04
  wisdom,
• 2:04
  with
• 2:05
  peace,
• 2:05
  and
• 2:06
  with
• 2:06
  a
• 2:06
  heart
• 2:06
  anchored
• 2:06
  in
• 2:07
  God's
• 2:07
  truth.
• 2:08
  My
• 2:08
  mission
• 2:08
  is
• 2:08
  simple.
• 2:09
  To
• 2:09
  help
• 2:09
  you
• 2:09
  break
• 2:10
  that
• 2:10
  cycle
• 2:10
  of
• 2:10
  financial
• 2:11
  shame
• 2:11
  and
• 2:11
  build
• 2:12
  steady
• 2:12
  habits
• 2:12
  which
• 2:12
  are
• 2:13
  rooted
• 2:13
  in
• 2:13
  faith
• 2:14
  and
• 2:14
  become
• 2:14
  truly
• 2:15
  financially
• 2:16
  confident
• 2:16
  Christians.
• 2:17
  And
• 2:17
  I'm
• 2:17
  so
• 2:18
  happy
• 2:18
  you're
• 2:18
  here
• 2:18
  today.
• 2:19
  Yesterday,
• 2:19
  you
• 2:19
  and
• 2:20
  I
• 2:20
  talked
• 2:20
  about
• 2:20
  the
• 2:20
  lie
• 2:21
  of
• 2:21
  more
• 2:21
  and
• 2:21
  how
• 2:21
  chasing
• 2:22
  money
• 2:22
  as
• 2:22
  the
• 2:23
  source
• 2:23
  of
• 2:23
  peace
• 2:23
  will
• 2:24
  never
• 2:24
  actually
• 2:25
  satisfy
• 2:25
  us.
• 2:26
  But
• 2:26
  today
• 2:27
  we're
• 2:27
  going
• 2:27
  to
• 2:27
  talk
• 2:27
  about
• 2:27
  what
• 2:27
  usually
• 2:28
  sits
• 2:28
  underneath
• 2:29
  of
• 2:29
  that
• 2:29
  chase.
• 2:30
  Fear.
• 2:31
  Because
• 2:32
  a
• 2:32
  lot
• 2:32
  of
• 2:32
  money
• 2:32
  decisions
• 2:33
  you
• 2:33
  regret
• 2:33
  weren't
• 2:34
  mad
• 2:34
  decisions.
• 2:35
  They
• 2:35
  were
• 2:36
  fear
• 2:36
  decisions.
• 2:37
  So
• 2:38
  today
• 2:38
  isn't
• 2:38
  about
• 2:38
  learning
• 2:39
  some
• 2:39
  new
• 2:39
  trick.
• 2:39
  I
• 2:39
  don't
• 2:39
  have
• 2:40
  some
• 2:40
  new
• 2:40
  fancy
• 2:41
  way
• 2:41
  to
• 2:41
  do
• 2:41
  it.
• 2:42
  Today
• 2:42
  is
• 2:42
  about
• 2:43
  learning
• 2:43
  a
• 2:43
  new
• 2:43
  anchor.
• 2:45
  So,
• 2:45
  friend,
• 2:45
  if
• 2:45
  you've
• 2:46
  been
• 2:46
  living
• 2:46
  with
• 2:46
  that
• 2:46
  hum
• 2:47
  of
• 2:47
  fear,
• 2:47
  I
• 2:48
  want
• 2:48
  you
• 2:48
  to
• 2:48
  know
• 2:48
  this.
• 2:49
  God
• 2:49
  is
• 2:50
  not
• 2:50
  disappointed
• 2:50
  in
• 2:51
  you.
• 2:51
  God
• 2:52
  is
• 2:52
  still
• 2:52
  inviting
• 2:53
  you
• 2:53
  in.
• 2:54
  So
• 2:54
  here's
• 2:54
  today's
• 2:55
  question.
• 2:56
  Ralph,
• 2:56
  I'm
• 2:57
  trying
• 2:57
  to
• 2:57
  do
• 2:57
  better
• 2:57
  with
• 2:57
  money.
• 2:58
  But
• 2:59
  if
• 2:59
  I'm
• 2:59
  being
• 2:59
  honest,
• 3:00
  I
• 3:00
  am
• 3:00
  always
• 3:00
  afraid.
• 3:01
  I'm
• 3:02
  always
• 3:02
  afraid
• 3:02
  I'm
• 3:02
  going
• 3:02
  to
• 3:02
  mess
• 3:03
  up.
• 3:03
  I'm
• 3:03
  always
• 3:03
  afraid
• 3:04
  something's
• 3:05
  going
• 3:05
  to
• 3:05
  happen.
• 3:05
  I'm
• 3:05
  always
• 3:06
  afraid
• 3:06
  I'm
• 3:06
  never
• 3:06
  going
• 3:07
  to
• 3:07
  catch
• 3:07
  up.
• 3:08
  And
• 3:08
  that
• 3:09
  fear
• 3:09
  makes
• 3:09
  me
• 3:09
  do
• 3:09
  things
• 3:10
  I
• 3:10
  don't
• 3:10
  even
• 3:10
  want
• 3:10
  to
• 3:10
  do.
• 3:11
  Ralph,
• 3:12
  how
• 3:12
  do
• 3:12
  I
• 3:13
  stop
• 3:13
  living
• 3:13
  like
• 3:13
  this?
• 3:15
  Well,
• 3:15
  friend,
• 3:16
  first
• 3:16
  thing
• 3:16
  I
• 3:16
  want
• 3:16
  to
• 3:16
  say
• 3:17
  is
• 3:17
  thank
• 3:17
  you
• 3:17
  for
• 3:17
  that
• 3:17
  honesty.
• 3:19
  Because
• 3:19
  naming
• 3:19
  it
• 3:20
  is
• 3:20
  already
• 3:20
  part
• 3:20
  of
• 3:20
  healing
• 3:21
  it.
• 3:21
  That's
• 3:21
  one
• 3:21
  of
• 3:21
  the
• 3:21
  big
• 3:21
  steps
• 3:22
  of
• 3:22
  this.
• 3:23
  And
• 3:23
  see
• 3:23
  if
• 3:23
  you
• 3:23
  can
• 3:23
  name
• 3:24
  it,
• 3:24
  you
• 3:24
  can
• 3:25
  actually
• 3:25
  start
• 3:25
  changing
• 3:26
  it.
• 3:27
  And
• 3:27
  as
• 3:28
  you're
• 3:28
  listening
• 3:28
  right
• 3:28
  now,
• 3:28
  if
• 3:29
  money
• 3:29
  fear
• 3:29
  has
• 3:29
  been
• 3:30
  following
• 3:30
  you.
• 3:31
  You're
• 3:32
  not
• 3:32
  crazy,
• 3:32
  you're
• 3:33
  not
• 3:33
  weak,
• 3:33
  you're
• 3:33
  not
• 3:34
  failing.
• 3:35
  Fear
• 3:35
  is
• 3:35
  pervasive
• 3:36
  in
• 3:36
  our
• 3:36
  lives.
• 3:37
  It
• 3:37
  whispers
• 3:37
  this,
• 3:37
  it
• 3:38
  whispers,
• 3:38
  be
• 3:38
  on
• 3:39
  edge.
• 3:40
  You
• 3:40
  better
• 3:40
  stay
• 3:40
  in
• 3:41
  control.
• 3:41
  Prepare
• 3:42
  for
• 3:42
  disaster.
• 3:42
  Don't
• 3:43
  trust
• 3:43
  anyone.
• 3:44
  And
• 3:44
  listen.
• 3:44
  Don't
• 3:45
  trust
• 3:45
  God,
• 3:45
  not
• 3:46
  with
• 3:46
  this.
• 3:48
  Living
• 3:48
  in
• 3:48
  that
• 3:48
  fear
• 3:48
  is
• 3:49
  exhausting.
• 3:50
  Because
• 3:51
  fear
• 3:51
  requires
• 3:51
  you
• 3:51
  to
• 3:52
  carry
• 3:52
  the
• 3:52
  future
• 3:52
  alone.
• 3:53
  But
• 3:53
  friend,
• 3:53
  you
• 3:53
  were
• 3:54
  never
• 3:54
  meant
• 3:54
  to
• 3:54
  carry
• 3:55
  this
• 3:55
  alone.
• 3:55
  You
• 3:55
  were
• 3:56
  meant
• 3:56
  to
• 3:56
  be
• 3:56
  led,
• 3:57
  held
• 3:57
  and
• 3:58
  steadied.
• 3:59
  Let's
• 4:00
  be
• 4:00
  clear.
• 4:01
  Financial
• 4:02
  fear
• 4:02
  isn't
• 4:02
  always
• 4:03
  loud.
• 4:04
  Sometimes
• 4:05
  it's
• 4:05
  subtle.
• 4:06
  It
• 4:06
  can
• 4:07
  sound
• 4:07
  like
• 4:07
  this
• 4:07
  in
• 4:08
  your
• 4:08
  own
• 4:08
  mind.
• 4:08
  I
• 4:09
  should
• 4:09
  probably
• 4:09
  keep
• 4:09
  this
• 4:09
  on
• 4:10
  a
• 4:10
  credit
• 4:10
  card.
• 4:10
  Well,
• 4:11
  just
• 4:11
  in
• 4:11
  case.
• 4:12
  Or
• 4:12
  maybe
• 4:13
  in
• 4:13
  your
• 4:13
  giving,
• 4:13
  I
• 4:13
  can't
• 4:13
  give,
• 4:14
  what
• 4:14
  if
• 4:14
  I
• 4:14
  need
• 4:14
  this
• 4:14
  later?
• 4:16
  Or
• 4:16
  I
• 4:16
  can't
• 4:17
  start
• 4:17
  this
• 4:17
  savings
• 4:18
  plan
• 4:18
  or
• 4:18
  this
• 4:18
  debt
• 4:19
  reduction
• 4:19
  plan
• 4:19
  because
• 4:20
  guess
• 4:20
  what,
• 4:20
  I
• 4:20
  might
• 4:20
  fail.
• 4:21
  Oh,
• 4:22
  and
• 4:22
  I
• 4:22
  can't
• 4:22
  look
• 4:22
  at
• 4:23
  my
• 4:23
  numbers.
• 4:23
  That's
• 4:23
  way
• 4:23
  too
• 4:24
  much
• 4:24
  for
• 4:24
  me
• 4:24
  to
• 4:24
  handle.
• 4:24
  That's
• 4:25
  just
• 4:25
  overwhelming.
• 4:27
  But
• 4:27
  fear
• 4:27
  does
• 4:28
  three
• 4:28
  main
• 4:28
  things
• 4:29
  to
• 4:29
  us.
• 4:30
  It
• 4:30
  makes
• 4:31
  us
• 4:31
  avoid,
• 4:32
  it
• 4:32
  makes
• 4:32
  us
• 4:32
  control
• 4:33
  and
• 4:33
  it
• 4:34
  makes
• 4:34
  us
• 4:34
  react.
• 4:35
  And
• 4:36
  none
• 4:36
  of
• 4:36
  those
• 4:36
  things,
• 4:37
  none
• 4:37
  of
• 4:37
  those
• 4:38
  create
• 4:38
  peace
• 4:38
  in
• 4:38
  our
• 4:38
  lives.
• 4:39
  See,
• 4:39
  peace
• 4:40
  comes
• 4:40
  from
• 4:40
  faith
• 4:41
  and
• 4:41
  faith
• 4:42
  grows
• 4:42
  through
• 4:42
  trust.
• 4:42
  That's
• 4:43
  what
• 4:43
  we
• 4:43
  really
• 4:43
  talked
• 4:43
  about
• 4:43
  yesterday.
• 4:44
  So
• 4:45
  today
• 4:45
  we're
• 4:45
  not
• 4:45
  pretending
• 4:46
  that
• 4:46
  fear
• 4:46
  isn't
• 4:47
  real.
• 4:47
  It
• 4:47
  is
• 4:47
  real.
• 4:48
  We're
• 4:48
  just
• 4:48
  refusing
• 4:49
  to
• 4:49
  let
• 4:49
  fear
• 4:49
  be
• 4:50
  our
• 4:50
  leader.
• 4:51
  I'm
• 4:51
  Ralph
• 4:51
  Estep
• 4:52
  Jr.
• 4:52
  I'm
• 4:52
  an
• 4:52
  accountant
• 4:53
  and
• 4:53
  I've
• 4:54
  worked
• 4:54
  with
• 4:54
  people
• 4:54
  at
• 4:54
  every
• 4:55
  income
• 4:55
  level.
• 4:56
  And
• 4:56
  here's
• 4:57
  what
• 4:57
  I've
• 4:57
  learned.
• 4:57
  I've
• 4:58
  been
• 4:58
  doing
• 4:58
  this
• 4:58
  for
• 4:58
  30
• 4:58
  years.
• 4:59
  Fear
• 5:00
  is
• 5:00
  not
• 5:00
  limited
• 5:01
  to
• 5:01
  people
• 5:01
  with
• 5:01
  little
• 5:01
  money.
• 5:02
  Let
• 5:02
  me
• 5:02
  just
• 5:02
  tell
• 5:03
  you
• 5:03
  right
• 5:03
  now,
• 5:03
  fear
• 5:04
  can
• 5:04
  live
• 5:04
  in
• 5:05
  six
• 5:05
  figure
• 5:05
  homes.
• 5:06
  Fear
• 5:06
  can
• 5:06
  live
• 5:06
  in
• 5:06
  that
• 5:07
  high
• 5:07
  income
• 5:07
  job.
• 5:08
  Fear
• 5:09
  doesn't
• 5:09
  always
• 5:10
  look
• 5:10
  at
• 5:10
  how
• 5:10
  much
• 5:11
  you
• 5:11
  have.
• 5:12
  It's
• 5:13
  about
• 5:13
  the
• 5:13
  story
• 5:13
  that
• 5:13
  you
• 5:14
  believe
• 5:15
  about
• 5:15
  God
• 5:16
  and
• 5:16
  about
• 5:17
  tomorrow.
• 5:18
  But
• 5:18
  here's
• 5:19
  the
• 5:19
  best
• 5:19
  part.
• 5:20
  Stories
• 5:20
  can
• 5:21
  be
• 5:21
  rewritten.
• 5:22
  See
• 5:22
  I've
• 5:22
  seen
• 5:22
  fear
• 5:22
  show
• 5:23
  up
• 5:23
  in
• 5:23
  both
• 5:23
  extremes.
• 5:24
  I've
• 5:25
  seen
• 5:25
  that
• 5:25
  one
• 5:26
  person
• 5:26
  overspend
• 5:27
  because
• 5:27
  buying
• 5:27
  gives
• 5:27
  them
• 5:28
  that
• 5:28
  moment
• 5:28
  of
• 5:28
  relief.
• 5:29
  They
• 5:29
  break
• 5:29
  that
• 5:29
  fear
• 5:29
  for
• 5:30
  a
• 5:30
  second.
• 5:31
  That's
• 5:31
  relief
• 5:32
  for
• 5:32
  them.
• 5:33
  The
• 5:33
  same
• 5:33
  thing
• 5:34
  happens,
• 5:34
  another
• 5:34
  person
• 5:34
  hoards
• 5:35
  because
• 5:35
  savings
• 5:35
  gives
• 5:36
  them
• 5:36
  a
• 5:36
  moment
• 5:36
  of
• 5:36
  control.
• 5:37
  If
• 5:37
  I
• 5:37
  save
• 5:37
  it,
• 5:38
  I'm
• 5:38
  in
• 5:38
  control.
• 5:39
  I
• 5:39
  don't
• 5:39
  to
• 5:39
  worry
• 5:39
  so
• 5:40
  much.
• 5:41
  But
• 5:42
  both
• 5:42
  of
• 5:42
  those
• 5:42
  folks
• 5:43
  are
• 5:43
  trying
• 5:44
  to
• 5:44
  Solve
• 5:44
  the
• 5:44
  same
• 5:45
  problem.
• 5:46
  Let's
• 5:46
  name
• 5:47
  it.
• 5:47
  I
• 5:47
  don't
• 5:47
  feel
• 5:47
  safe.
• 5:49
  But
• 5:49
  here's
• 5:50
  the
• 5:50
  turning
• 5:50
  point.
• 5:51
  Money
• 5:51
  is
• 5:52
  never
• 5:52
  going
• 5:52
  to
• 5:52
  heal
• 5:52
  that.
• 5:53
  No
• 5:53
  matter
• 5:54
  how
• 5:54
  much
• 5:54
  you
• 5:54
  have,
• 5:54
  how
• 5:55
  much
• 5:55
  you
• 5:55
  hoard,
• 5:55
  how
• 5:56
  much
• 5:56
  you
• 5:56
  spend,
• 5:56
  how
• 5:57
  much
• 5:57
  you
• 5:57
  save,
• 5:57
  it's
• 5:58
  never
• 5:58
  going
• 5:58
  to
• 5:58
  heal
• 5:58
  that.
• 5:59
  Only
• 5:59
  God
• 5:59
  can
• 5:59
  heal
• 6:00
  that.
• 6:00
  And
• 6:01
  God
• 6:01
  doesn't
• 6:01
  shame
• 6:01
  you
• 6:02
  for
• 6:02
  being
• 6:02
  afraid.
• 6:04
  He
• 6:04
  understand
• 6:04
  that.
• 6:05
  He
• 6:05
  invites
• 6:05
  you
• 6:05
  to
• 6:05
  bring
• 6:06
  that
• 6:06
  fear
• 6:06
  to
• 6:06
  him.
• 6:07
  He
• 6:07
  says,
• 6:07
  come
• 6:07
  closer.
• 6:08
  Let
• 6:08
  me
• 6:09
  carry
• 6:09
  what
• 6:09
  you've
• 6:10
  been
• 6:10
  carrying.
• 6:11
  So
• 6:11
  here's
• 6:12
  the
• 6:12
  real
• 6:12
  question
• 6:12
  today.
• 6:13
  What
• 6:13
  would
• 6:14
  change
• 6:14
  if
• 6:14
  your
• 6:14
  money
• 6:15
  decisions
• 6:15
  came
• 6:15
  from
• 6:15
  faith
• 6:16
  instead
• 6:17
  of
• 6:17
  fear?
• 6:18
  But
• 6:18
  deeper
• 6:18
  than
• 6:19
  that,
• 6:19
  what
• 6:19
  would
• 6:19
  change
• 6:19
  if
• 6:20
  you
• 6:20
  could
• 6:20
  pause,
• 6:21
  breathe
• 6:21
  and
• 6:21
  choose
• 6:22
  your
• 6:22
  next
• 6:22
  step
• 6:23
  without
• 6:23
  panic?
• 6:25
  Because
• 6:25
  here's
• 6:26
  the
• 6:26
  truth
• 6:26
  of
• 6:26
  today.
• 6:27
  You
• 6:27
  can
• 6:29
  let
• 6:29
  me
• 6:29
  start
• 6:29
  by
• 6:29
  saying
• 6:30
  this.
• 6:31
  Fear
• 6:31
  is
• 6:31
  a
• 6:31
  signal.
• 6:32
  It's
• 6:33
  not
• 6:33
  a
• 6:33
  leader.
• 6:33
  See,
• 6:34
  fear
• 6:34
  shows
• 6:34
  up
• 6:35
  to
• 6:35
  alert
• 6:35
  you
• 6:35
  and
• 6:36
  it's
• 6:36
  okay.
• 6:37
  But
• 6:37
  fear
• 6:37
  is
• 6:38
  never
• 6:38
  qualified
• 6:38
  to
• 6:39
  drive
• 6:39
  you
• 6:39
  home.
• 6:40
  See,
• 6:40
  fear
• 6:40
  says
• 6:41
  react.
• 6:41
  Oh,
• 6:41
  I
• 6:42
  better
• 6:42
  react.
• 6:42
  There's
• 6:42
  something
• 6:42
  going
• 6:43
  on
• 6:43
  and
• 6:43
  that's
• 6:43
  a
• 6:43
  good
• 6:43
  thing
• 6:44
  that
• 6:44
  keeps
• 6:44
  us
• 6:45
  alive.
• 6:46
  But
• 6:46
  faith
• 6:47
  tells
• 6:47
  us
• 6:47
  something
• 6:47
  deeper.
• 6:48
  Respond.
• 6:50
  See,
• 6:50
  fear
• 6:51
  is
• 6:51
  fast.
• 6:52
  It's
• 6:52
  quick,
• 6:52
  bad
• 6:53
  decisions.
• 6:53
  Oh,
• 6:54
  I
• 6:54
  gotta
• 6:54
  make
• 6:54
  a
• 6:54
  fearful
• 6:54
  day.
• 6:55
  What
• 6:55
  do
• 6:55
  I
• 6:55
  do
• 6:55
  here?
• 6:56
  But
• 6:56
  faith
• 6:57
  is
• 6:57
  steady.
• 6:59
  And
• 6:59
  friend,
• 6:59
  you
• 6:59
  don't
• 7:00
  need
• 7:00
  fear
• 7:00
  to
• 7:00
  lead
• 7:01
  in
• 7:01
  order
• 7:01
  to
• 7:01
  be
• 7:02
  wise.
• 7:03
  You
• 7:03
  just
• 7:03
  need
• 7:03
  awareness
• 7:04
  and
• 7:04
  you
• 7:04
  need
• 7:05
  a
• 7:05
  plan.
• 7:05
  See,
• 7:06
  for
• 7:06
  so
• 7:06
  many
• 7:07
  of
• 7:07
  us,
• 7:08
  fear
• 7:08
  often
• 7:08
  hides
• 7:09
  under
• 7:09
  control.
• 7:10
  Let's
• 7:10
  just
• 7:10
  name
• 7:10
  it.
• 7:11
  Fear
• 7:11
  doesn't
• 7:11
  always
• 7:11
  look
• 7:12
  like
• 7:12
  panic.
• 7:13
  Sometimes
• 7:13
  fear
• 7:14
  looks
• 7:14
  like
• 7:14
  perfectionism.
• 7:16
  I'm
• 7:16
  guilty
• 7:16
  of
• 7:17
  this.
• 7:17
  Micromanaging
• 7:18
  things,
• 7:19
  obsessing
• 7:19
  about
• 7:20
  things,
• 7:20
  checking
• 7:21
  our
• 7:21
  accounts
• 7:21
  every
• 7:21
  hour.
• 7:21
  Yes,
• 7:22
  there
• 7:22
  are
• 7:22
  people
• 7:22
  out
• 7:22
  there
• 7:23
  on
• 7:23
  their
• 7:23
  bank
• 7:23
  app
• 7:24
  every
• 7:24
  hour.
• 7:24
  What's
• 7:24
  in
• 7:25
  my
• 7:25
  account?
• 7:25
  What's
• 7:25
  in
• 7:25
  my
• 7:25
  account?
• 7:27
  And
• 7:27
  there
• 7:27
  are
• 7:27
  people
• 7:27
  out
• 7:28
  there
• 7:28
  feeling
• 7:28
  guilty
• 7:28
  if
• 7:29
  you
• 7:29
  spend
• 7:29
  anything,
• 7:30
  if
• 7:30
  you
• 7:30
  spend
• 7:30
  a
• 7:30
  dime.
• 7:31
  They
• 7:31
  are
• 7:31
  living
• 7:32
  in
• 7:32
  fear.
• 7:33
  Because
• 7:33
  see,
• 7:34
  that
• 7:34
  control
• 7:34
  feels
• 7:35
  like
• 7:35
  safety
• 7:36
  until
• 7:36
  it
• 7:36
  becomes
• 7:37
  a
• 7:37
  prison.
• 7:37
  A
• 7:37
  self
• 7:38
  created
• 7:38
  prison.
• 7:39
  But
• 7:40
  faith
• 7:40
  loosens
• 7:41
  that
• 7:41
  grip.
• 7:41
  Not
• 7:42
  because
• 7:42
  you
• 7:42
  stop
• 7:42
  caring,
• 7:43
  that's
• 7:43
  not
• 7:43
  what
• 7:43
  I'm
• 7:43
  saying
• 7:43
  at
• 7:43
  all.
• 7:44
  But
• 7:44
  because
• 7:44
  you
• 7:44
  stop
• 7:45
  carrying
• 7:45
  everything
• 7:46
  alone.
• 7:48
  And
• 7:48
  friend,
• 7:48
  you
• 7:49
  are
• 7:49
  allowed
• 7:49
  to
• 7:49
  loosen
• 7:50
  that
• 7:50
  grip.
• 7:51
  From
• 7:51
  what
• 7:52
  I've
• 7:52
  seen,
• 7:52
  fear
• 7:53
  shrinks
• 7:53
  your
• 7:53
  world.
• 7:54
  See,
• 7:54
  fear
• 7:55
  makes
• 7:55
  you
• 7:55
  small.
• 7:56
  It
• 7:56
  holds
• 7:56
  you
• 7:56
  back.
• 7:57
  It
• 7:57
  makes
• 7:57
  you
• 7:57
  say,
• 7:57
  I
• 7:58
  can't,
• 7:58
  I
• 7:59
  won't.
• 7:59
  Oh,
• 7:59
  not
• 7:59
  yet.
• 8:00
  Maybe
• 8:00
  someday
• 8:01
  when
• 8:01
  I
• 8:01
  don't
• 8:01
  feel
• 8:01
  so
• 8:02
  fearful.
• 8:03
  But
• 8:03
  faith,
• 8:04
  when
• 8:04
  it
• 8:04
  expands,
• 8:05
  it
• 8:05
  grows
• 8:06
  your
• 8:06
  world.
• 8:06
  It
• 8:06
  says,
• 8:07
  God
• 8:07
  is
• 8:07
  with
• 8:07
  me.
• 8:08
  God
• 8:08
  will
• 8:08
  guide
• 8:09
  me.
• 8:09
  I
• 8:09
  can
• 8:09
  take
• 8:10
  one
• 8:10
  small
• 8:10
  step
• 8:10
  today.
• 8:12
  And
• 8:13
  friend,
• 8:13
  small
• 8:13
  steps
• 8:14
  break
• 8:14
  big
• 8:14
  chains.
• 8:15
  You
• 8:15
  don't
• 8:15
  need
• 8:15
  some
• 8:16
  giant
• 8:16
  leap.
• 8:17
  You
• 8:17
  just
• 8:17
  need
• 8:17
  one
• 8:18
  faithful
• 8:18
  step.
• 8:20
  But
• 8:20
  hear
• 8:20
  Me
• 8:20
  on
• 8:20
  this.
• 8:22
  God
• 8:22
  doesn't
• 8:22
  just
• 8:23
  remove
• 8:23
  the
• 8:23
  fear,
• 8:24
  he
• 8:24
  replaces
• 8:25
  it.
• 8:25
  And
• 8:25
  this
• 8:25
  is
• 8:26
  huge.
• 8:26
  See,
• 8:26
  God
• 8:26
  doesn't
• 8:27
  just
• 8:27
  tell
• 8:27
  you
• 8:27
  stop
• 8:28
  being
• 8:28
  afraid.
• 8:30
  He
• 8:30
  replaces
• 8:30
  fear
• 8:31
  with
• 8:31
  something
• 8:31
  even
• 8:32
  better.
• 8:32
  He
• 8:33
  replaces
• 8:33
  it
• 8:33
  with
• 8:33
  things
• 8:34
  like
• 8:34
  power,
• 8:34
  power
• 8:35
  in
• 8:35
  him,
• 8:36
  love,
• 8:36
  Love
• 8:37
  in
• 8:37
  him.
• 8:37
  And
• 8:38
  self
• 8:38
  discipline.
• 8:39
  See,
• 8:40
  power
• 8:40
  means
• 8:40
  you're
• 8:40
  not
• 8:41
  helpless
• 8:41
  anymore.
• 8:42
  Love
• 8:42
  means
• 8:42
  you're
• 8:42
  not
• 8:43
  abandoned.
• 8:44
  And
• 8:44
  self
• 8:44
  discipline
• 8:45
  means
• 8:45
  you're
• 8:45
  not
• 8:45
  out
• 8:46
  of
• 8:46
  control.
• 8:47
  See,
• 8:47
  that's
• 8:47
  the
• 8:48
  spirit
• 8:48
  of
• 8:48
  God
• 8:48
  at
• 8:48
  work
• 8:49
  in
• 8:49
  you.
• 8:49
  And
• 8:49
  friend,
• 8:50
  if
• 8:50
  you
• 8:50
  felt
• 8:50
  weak,
• 8:52
  this
• 8:52
  is
• 8:52
  your
• 8:52
  reminder.
• 8:53
  God
• 8:54
  has
• 8:54
  already
• 8:54
  put
• 8:55
  strength
• 8:55
  inside
• 8:55
  of
• 8:55
  you.
• 8:56
  You've
• 8:56
  started
• 8:56
  in
• 8:56
  there.
• 8:56
  You
• 8:56
  just
• 8:57
  have
• 8:57
  to
• 8:57
  harness
• 8:57
  it.
• 8:57
  You've
• 8:58
  got
• 8:58
  to
• 8:58
  know
• 8:58
  that
• 8:59
  faith
• 8:59
  multiplies
• 9:00
  what
• 9:00
  fear
• 9:00
  would
• 9:01
  waste.
• 9:02
  See,
• 9:02
  for
• 9:02
  so
• 9:03
  many
• 9:03
  of
• 9:03
  us,
• 9:03
  fear
• 9:04
  wastes
• 9:04
  energy
• 9:04
  on
• 9:05
  worst
• 9:05
  case
• 9:05
  scenarios.
• 9:06
  I've
• 9:06
  been
• 9:06
  here,
• 9:07
  done
• 9:07
  that.
• 9:07
  What
• 9:07
  if
• 9:08
  this
• 9:08
  happens?
• 9:08
  What
• 9:09
  if
• 9:09
  this
• 9:09
  happens?
• 9:09
  What
• 9:09
  if
• 9:10
  this
• 9:10
  happens
• 9:10
  and
• 9:10
  you
• 9:11
  spend
• 9:11
  your
• 9:11
  whole
• 9:11
  day
• 9:11
  worrying
• 9:11
  about
• 9:11
  well,
• 9:12
  what
• 9:12
  happens?
• 9:12
  This.
• 9:12
  What
• 9:12
  if
• 9:13
  I
• 9:13
  do
• 9:13
  this?
• 9:13
  What
• 9:13
  if
• 9:13
  I
• 9:13
  do
• 9:13
  this?
• 9:14
  It
• 9:15
  just
• 9:15
  wastes
• 9:15
  your
• 9:15
  energy
• 9:16
  on
• 9:16
  things
• 9:16
  that
• 9:16
  probably
• 9:17
  will
• 9:17
  never
• 9:17
  happen.
• 9:19
  But
• 9:19
  faith
• 9:19
  uses
• 9:20
  energy
• 9:20
  for
• 9:20
  wise
• 9:21
  next
• 9:21
  steps.
• 9:22
  See,
• 9:23
  fear
• 9:23
  always
• 9:23
  tells
• 9:23
  you,
• 9:24
  what
• 9:24
  if
• 9:24
  it
• 9:24
  all
• 9:24
  goes
• 9:25
  wrong?
• 9:25
  What
• 9:25
  if
• 9:25
  it
• 9:25
  all
• 9:25
  breaks?
• 9:26
  What
• 9:26
  if
• 9:26
  everything
• 9:26
  breaks
• 9:27
  down
• 9:28
  but
• 9:28
  faith
• 9:29
  says
• 9:29
  something
• 9:29
  deeper,
• 9:30
  says
• 9:30
  God.
• 9:30
  Show
• 9:31
  me
• 9:31
  today's
• 9:31
  step.
• 9:33
  What
• 9:33
  will
• 9:33
  you
• 9:33
  have
• 9:33
  me
• 9:34
  to
• 9:34
  do
• 9:34
  today?
• 9:34
  And
• 9:35
  see
• 9:35
  that
• 9:35
  one
• 9:36
  step,
• 9:36
  that's
• 9:36
  how
• 9:36
  freedom
• 9:37
  starts.
• 9:37
  Not
• 9:38
  by
• 9:38
  predicting
• 9:38
  the
• 9:38
  future.
• 9:40
  We
• 9:40
  can't
• 9:40
  do
• 9:40
  that.
• 9:41
  Anybody
• 9:42
  tells
• 9:42
  you
• 9:42
  they
• 9:42
  can
• 9:42
  predict
• 9:42
  the
• 9:42
  future,
• 9:43
  they're
• 9:43
  lying
• 9:43
  to
• 9:43
  you.
• 9:45
  But
• 9:45
  by
• 9:46
  obeying
• 9:46
  God
• 9:46
  in
• 9:47
  the
• 9:47
  present.
• 9:48
  And
• 9:48
  friend,
• 9:49
  as
• 9:49
  I've
• 9:49
  said
• 9:49
  the
• 9:49
  last
• 9:49
  couple
• 9:50
  days,
• 9:50
  you
• 9:50
  can
• 9:50
  obey
• 9:51
  one
• 9:51
  step
• 9:51
  at
• 9:51
  a
• 9:51
  time.
• 9:53
  So
• 9:53
  today,
• 9:53
  break
• 9:54
  that
• 9:54
  cycle
• 9:54
  with
• 9:54
  a
• 9:55
  simple
• 9:55
  pattern
• 9:55
  that
• 9:56
  you
• 9:56
  can
• 9:56
  actually
• 9:56
  use.
• 9:57
  Here's
• 9:57
  a
• 9:57
  pattern
• 9:57
  you
• 9:57
  can
• 9:58
  use.
• 9:58
  This
• 9:58
  week
• 9:58
  I'm
• 9:58
  going
• 9:58
  to
• 9:58
  give
• 9:59
  you
• 9:59
  something
• 9:59
  you
• 9:59
  can
• 9:59
  take
• 9:59
  away
• 9:59
  with.
• 10:00
  Name
• 10:00
  the
• 10:00
  fear,
• 10:01
  bring
• 10:01
  it
• 10:01
  to
• 10:01
  God
• 10:02
  and
• 10:02
  take
• 10:02
  one
• 10:03
  small
• 10:03
  step
• 10:03
  anyway
• 10:04
  in
• 10:04
  light
• 10:05
  of
• 10:05
  that
• 10:05
  fear.
• 10:05
  Name
• 10:06
  it,
• 10:06
  pray
• 10:06
  it,
• 10:06
  and
• 10:07
  move.
• 10:08
  See,
• 10:08
  fear
• 10:09
  breaks
• 10:09
  when
• 10:09
  you
• 10:09
  stop
• 10:10
  feeding
• 10:10
  it
• 10:10
  with
• 10:10
  avoidance.
• 10:11
  Guess
• 10:11
  what?
• 10:11
  We
• 10:11
  create
• 10:12
  our
• 10:12
  own
• 10:12
  levels
• 10:12
  of
• 10:13
  fear.
• 10:13
  We're
• 10:13
  feeding
• 10:14
  it.
• 10:14
  We
• 10:14
  keep
• 10:14
  on
• 10:15
  doing
• 10:15
  it
• 10:15
  because
• 10:15
  we
• 10:15
  avoid
• 10:15
  it.
• 10:16
  But
• 10:16
  name
• 10:16
  it,
• 10:17
  pray
• 10:17
  about
• 10:17
  it
• 10:18
  and
• 10:18
  move
• 10:18
  on.
• 10:18
  Because
• 10:19
  friend,
• 10:19
  you
• 10:19
  don't
• 10:19
  have
• 10:20
  to
• 10:20
  feed
• 10:20
  it
• 10:20
  anymore.
• 10:22
  Let's
• 10:22
  look
• 10:22
  at
• 10:22
  second
• 10:23
  Timothy,
• 10:24
  chapter
• 10:24
  one,
• 10:24
  verse
• 10:25
  seven.
• 10:25
  For
• 10:26
  the
• 10:26
  Spirit
• 10:26
  of
• 10:26
  God
• 10:27
  gave
• 10:27
  us
• 10:27
  does
• 10:27
  not
• 10:28
  make
• 10:28
  us
• 10:28
  timid,
• 10:29
  but
• 10:29
  gives
• 10:29
  us
• 10:30
  power,
• 10:30
  love
• 10:31
  and
• 10:31
  self
• 10:32
  discipline.
• 10:33
  And
• 10:33
  now
• 10:33
  you
• 10:33
  could
• 10:33
  say
• 10:33
  that's
• 10:34
  great.
• 10:34
  That's
• 10:34
  a
• 10:34
  very
• 10:34
  comforting
• 10:35
  verse,
• 10:35
  Ralph,
• 10:36
  but
• 10:36
  it's
• 10:36
  so
• 10:36
  much
• 10:37
  bigger
• 10:37
  than
• 10:37
  that.
• 10:37
  It's
• 10:38
  a
• 10:38
  new
• 10:38
  identity.
• 10:39
  It's
• 10:39
  telling
• 10:39
  us
• 10:39
  fear
• 10:40
  is
• 10:40
  not
• 10:40
  our
• 10:41
  leader,
• 10:41
  but
• 10:41
  God's.
• 10:42
  Spirit
• 10:42
  is
• 10:42
  our
• 10:43
  leader.
• 10:44
  So
• 10:44
  when
• 10:44
  fear
• 10:44
  speaks
• 10:45
  and
• 10:45
  listen,
• 10:45
  fear
• 10:46
  is
• 10:46
  going
• 10:46
  to
• 10:46
  speak
• 10:47
  to
• 10:47
  you.
• 10:48
  I
• 10:48
  cannot
• 10:48
  tell
• 10:48
  you
• 10:49
  that
• 10:49
  you're
• 10:49
  never
• 10:49
  going
• 10:49
  to
• 10:49
  have
• 10:50
  fears.
• 10:50
  Part
• 10:51
  of
• 10:51
  your
• 10:51
  human
• 10:52
  anatomy
• 10:52
  is
• 10:52
  that
• 10:53
  you
• 10:53
  will
• 10:53
  have
• 10:53
  fears.
• 10:54
  But
• 10:54
  here's
• 10:54
  the
• 10:54
  thing,
• 10:54
  you
• 10:55
  don't
• 10:55
  have
• 10:55
  to
• 10:55
  obey
• 10:56
  it.
• 10:56
  You
• 10:57
  can
• 10:57
  answer
• 10:57
  it
• 10:57
  with
• 10:58
  God
• 10:58
  is
• 10:58
  my
• 10:59
  provision.
• 11:00
  So
• 11:00
  here's
• 11:00
  your
• 11:01
  next
• 11:01
  action
• 11:01
  step.
• 11:02
  Pray
• 11:02
  over
• 11:03
  your
• 11:03
  number
• 11:03
  one
• 11:04
  money.
• 11:04
  Fear.
• 11:04
  Just
• 11:05
  name
• 11:05
  it.
• 11:05
  Not
• 11:06
  five
• 11:06
  fears,
• 11:06
  just
• 11:07
  one.
• 11:07
  And
• 11:07
  I
• 11:08
  want
• 11:08
  you
• 11:08
  to
• 11:08
  be
• 11:08
  specific
• 11:09
  things
• 11:09
  like
• 11:10
  this,
• 11:10
  Lord,
• 11:10
  I'm
• 11:11
  afraid
• 11:11
  of
• 11:11
  not
• 11:11
  having
• 11:11
  enough.
• 11:12
  I'm
• 11:12
  going
• 11:12
  to
• 11:12
  pray
• 11:12
  about
• 11:13
  that,
• 11:13
  Lord,
• 11:13
  I'm
• 11:14
  afraid
• 11:14
  of
• 11:14
  another
• 11:15
  emergency.
• 11:15
  I've
• 11:16
  been
• 11:16
  down
• 11:16
  this
• 11:16
  road,
• 11:16
  Lord,
• 11:17
  I'm
• 11:18
  worried
• 11:18
  about
• 11:18
  this.
• 11:18
  Or
• 11:19
  Lord,
• 11:19
  I'm
• 11:19
  afraid
• 11:19
  I'm
• 11:20
  never
• 11:20
  going
• 11:20
  to
• 11:20
  get
• 11:20
  ahead.
• 11:22
  Or,
• 11:22
  Lord,
• 11:23
  and
• 11:23
  so
• 11:23
  many
• 11:23
  of
• 11:23
  us
• 11:23
  feel
• 11:24
  this
• 11:24
  one,
• 11:25
  I'm
• 11:25
  afraid
• 11:25
  I'll
• 11:26
  fail.
• 11:27
  Start
• 11:28
  there
• 11:28
  and
• 11:28
  then
• 11:28
  pray
• 11:29
  this,
• 11:29
  Lord,
• 11:30
  replace
• 11:30
  fear
• 11:31
  with
• 11:31
  faith.
• 11:31
  Give
• 11:32
  me
• 11:32
  power,
• 11:32
  give
• 11:32
  me
• 11:33
  love,
• 11:33
  and
• 11:33
  give
• 11:34
  me
• 11:34
  self
• 11:34
  discipline.
• 11:35
  And
• 11:36
  then
• 11:36
  take
• 11:36
  one
• 11:36
  small
• 11:36
  step
• 11:37
  today.
• 11:37
  Maybe
• 11:38
  one
• 11:38
  call,
• 11:38
  one
• 11:39
  budget
• 11:39
  check,
• 11:39
  one
• 11:40
  transfer
• 11:40
  and
• 11:41
  one
• 11:41
  calm
• 11:41
  decision.
• 11:42
  Because,
• 11:43
  friend,
• 11:43
  you're
• 11:43
  not
• 11:43
  trying
• 11:43
  to
• 11:44
  fix
• 11:44
  your
• 11:44
  whole
• 11:44
  life
• 11:44
  today.
• 11:45
  Just
• 11:46
  take
• 11:46
  one
• 11:46
  next
• 11:47
  step
• 11:47
  without
• 11:48
  panic.
• 11:48
  Because
• 11:48
  guess
• 11:49
  what?
• 11:49
  You
• 11:50
  can
• 11:50
  do.
• 11:50
  One
• 11:50
  step.
• 11:52
  Lord,
• 11:52
  thank
• 11:53
  you
• 11:53
  for
• 11:53
  your
• 11:53
  spirit
• 11:54
  of
• 11:54
  power,
• 11:54
  of
• 11:54
  love
• 11:55
  and
• 11:55
  of
• 11:55
  self
• 11:55
  discipline.
• 11:56
  Break
• 11:56
  the
• 11:57
  grip
• 11:57
  of
• 11:57
  fear
• 11:57
  in
• 11:57
  our
• 11:58
  finances
• 11:58
  and
• 11:58
  replace
• 11:59
  fear
• 11:59
  with
• 12:00
  faith
• 12:00
  today.
• 12:01
  Teach
• 12:01
  us
• 12:01
  to
• 12:01
  take
• 12:02
  steady
• 12:02
  steps
• 12:02
  without
• 12:03
  panic.
• 12:03
  And
• 12:04
  for
• 12:04
  the
• 12:04
  person
• 12:04
  listening
• 12:05
  right
• 12:05
  now,
• 12:06
  steady
• 12:06
  their
• 12:06
  breathing,
• 12:07
  steady
• 12:08
  their
• 12:08
  thoughts
• 12:08
  and
• 12:09
  Lord,
• 12:09
  steady
• 12:09
  their
• 12:09
  heart.
• 12:10
  Remind
• 12:10
  them
• 12:10
  that
• 12:10
  they
• 12:10
  are
• 12:11
  not
• 12:11
  alone
• 12:12
  and
• 12:12
  they
• 12:12
  are
• 12:12
  not
• 12:13
  stuck.
• 12:13
  And
• 12:13
  we
• 12:14
  ask
• 12:14
  this
• 12:14
  in
• 12:14
  Jesus
• 12:15
  name,
• 12:16
  Amen.
• 12:17
  Friend,
• 12:17
  if
• 12:17
  you've
• 12:18
  been
• 12:18
  battling
• 12:18
  financial
• 12:19
  fear,
• 12:19
  I
• 12:19
  want
• 12:20
  you
• 12:20
  to
• 12:20
  know
• 12:20
  this.
• 12:21
  You
• 12:21
  don't
• 12:21
  have
• 12:21
  to
• 12:22
  do
• 12:22
  this
• 12:22
  alone.
• 12:22
  Come
• 12:23
  join
• 12:23
  our
• 12:23
  community
• 12:24
  at
• 12:24
  financiallyconfidentchristian.com/join
• 12:27
  again.
• 12:28
  That's
• 12:28
  financiallyconfidentchristian.com/join.
• 12:31
  This
• 12:31
  is
• 12:32
  a
• 12:32
  place
• 12:32
  where
• 12:32
  you
• 12:32
  can
• 12:32
  truly
• 12:33
  breathe,
• 12:33
  where
• 12:33
  you
• 12:34
  can
• 12:34
  learn
• 12:34
  and
• 12:34
  you
• 12:35
  can
• 12:35
  grow
• 12:35
  without
• 12:35
  shame.
• 12:36
  And
• 12:36
  friend,
• 12:37
  you
• 12:37
  belong
• 12:37
  here.
• 12:39
  See,
• 12:39
  fear
• 12:40
  doesn't
• 12:40
  get
• 12:40
  the
• 12:40
  final
• 12:40
  word
• 12:41
  in
• 12:41
  our
• 12:41
  lives.
• 12:42
  God
• 12:42
  does.
• 12:43
  And
• 12:43
  you
• 12:43
  can
• 12:43
  take
• 12:43
  that
• 12:44
  next
• 12:44
  step
• 12:44
  without
• 12:45
  panic.
• 12:45
  Now,
• 12:46
  tomorrow
• 12:46
  we're
• 12:46
  going
• 12:46
  to
• 12:46
  talk
• 12:47
  about
• 12:47
  how
• 12:47
  you
• 12:47
  can
• 12:47
  build
• 12:48
  confidence
• 12:48
  in
• 12:48
  your
• 12:48
  finances
• 12:49
  even
• 12:49
  if
• 12:49
  you
• 12:50
  feel
• 12:50
  clueless.
• 12:50
  Yes,
• 12:50
  tomorrow's
• 12:51
  episode
• 12:52
  is
• 12:52
  going
• 12:52
  to
• 12:52
  be
• 12:52
  for
• 12:52
  that
• 12:53
  person
• 12:53
  that
• 12:53
  feels
• 12:53
  clueless.
• 12:55
  So
• 12:55
  friend,
• 12:55
  if
• 12:56
  you
• 12:56
  know
• 12:56
  somebody
• 12:56
  right
• 12:57
  now
• 12:57
  that's
• 12:57
  battling
• 12:57
  financial
• 12:58
  fear,
• 12:58
  why
• 12:58
  don't
• 12:59
  you
• 12:59
  share
• 12:59
  this
• 12:59
  episode
• 13:00
  with
• 13:00
  them?
• 13:00
  Share
• 13:00
  the
• 13:01
  show
• 13:01
  with
• 13:01
  them.
• 13:01
  Because
• 13:01
  this
• 13:02
  show
• 13:02
  is
• 13:02
  not
• 13:02
  about
• 13:02
  financial
• 13:03
  shame.
• 13:03
  It's
• 13:04
  about
• 13:04
  learning
• 13:04
  to
• 13:04
  walk
• 13:05
  in
• 13:05
  wisdom,
• 13:05
  learning
• 13:06
  to
• 13:06
  stay
• 13:06
  financially
• 13:07
  savvy,
• 13:08
  and
• 13:08
  truly
• 13:08
  learning
• 13:09
  to
• 13:09
  become
• 13:09
  a
• 13:10
  financially
• 13:10
  confident
• 13:11
  Christian.
• 13:12
  God
• 13:12
  bless
• 13:12
  you.
• 13:13
  And
• 13:13
  I
• 13:13
  hope
• 13:13
  to
• 13:13
  join
• 13:13
  me
• 13:14
  tomorrow.