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What Do You Do When You’re a Saver, and They’re a Spender? · Becoming Financially Confident

• 0:37
  One
• 0:37
  of
• 0:37
  you
• 0:38
  saves
• 0:38
  every
• 0:38
  penny,
• 0:39
  checks
• 0:39
  the
• 0:39
  account
• 0:40
  every
• 0:40
  day,
• 0:40
  plans
• 0:41
  ahead,
• 0:41
  and
• 0:41
  worries
• 0:41
  about
• 0:41
  the
• 0:42
  future.
• 0:42
  But
• 0:42
  the
• 0:42
  other
• 0:43
  one
• 0:43
  spends
• 0:44
  more
• 0:44
  freely,
• 0:44
  enjoys
• 0:45
  life,
• 0:45
  trusts.
• 0:46
  Things
• 0:46
  are
• 0:46
  going
• 0:46
  to
• 0:47
  just
• 0:47
  work
• 0:47
  out.
• 0:48
  And
• 0:48
  somehow,
• 0:49
  who
• 0:49
  knows
• 0:49
  why
• 0:49
  you
• 0:50
  ended
• 0:50
  up
• 0:50
  together.
• 0:51
  So,
• 0:52
  friend,
• 0:52
  if
• 0:52
  you've
• 0:52
  ever
• 0:52
  thought,
• 0:53
  how
• 0:53
  do
• 0:53
  we
• 0:54
  get
• 0:54
  so
• 0:54
  different
• 0:55
  about
• 0:55
  money?
• 0:56
  You're
• 0:56
  not
• 0:56
  alone
• 0:57
  and
• 0:57
  you're
• 0:57
  not
• 0:57
  broken.
• 0:58
  You're
• 0:58
  just
• 0:58
  two
• 0:58
  people
• 0:59
  trying
• 0:59
  to
• 0:59
  feel
• 1:00
  safe
• 1:00
  in
• 1:01
  two
• 1:01
  different
• 1:01
  ways.
• 1:02
  And
• 1:02
  today
• 1:03
  we're
• 1:03
  going
• 1:03
  to
• 1:03
  talk
• 1:03
  about
• 1:03
  how
• 1:04
  to
• 1:04
  make
• 1:04
  that
• 1:04
  work.
• 1:05
  Because,
• 1:05
  yes,
• 1:05
  there
• 1:05
  is
• 1:05
  a
• 1:05
  way
• 1:06
  to
• 1:06
  make
• 1:06
  that
• 1:06
  work.
• 1:07
  So
• 1:07
  here's
• 1:07
  the
• 1:08
  question
• 1:08
  we're
• 1:08
  answering
• 1:08
  today.
• 1:09
  What
• 1:09
  do
• 1:09
  you
• 1:09
  do
• 1:10
  when
• 1:10
  you're
• 1:10
  a
• 1:10
  saver
• 1:11
  and
• 1:11
  they're
• 1:11
  a
• 1:11
  spender?
• 1:12
  And
• 1:12
  here's
• 1:12
  my
• 1:13
  promise.
• 1:13
  By
• 1:13
  the
• 1:13
  end
• 1:13
  of
• 1:13
  this
• 1:14
  episode,
• 1:14
  you're
• 1:14
  going
• 1:15
  to
• 1:15
  understand
• 1:15
  why
• 1:15
  this
• 1:16
  dynamic
• 1:16
  is
• 1:17
  actually
• 1:17
  really
• 1:17
  common,
• 1:18
  why
• 1:19
  each
• 1:19
  site
• 1:19
  is
• 1:20
  really
• 1:20
  protecting,
• 1:21
  and
• 1:21
  how
• 1:21
  to
• 1:21
  move
• 1:22
  from
• 1:22
  constant
• 1:22
  tension
• 1:23
  to
• 1:23
  balance
• 1:24
  respect
• 1:25
  and
• 1:25
  peace.
• 1:25
  Today
• 1:25
  isn't
• 1:26
  about
• 1:26
  labels.
• 1:27
  It's
• 1:27
  not
• 1:27
  about
• 1:27
  blame.
• 1:28
  And
• 1:28
  guess
• 1:28
  what?
• 1:28
  It's
• 1:29
  not
• 1:29
  about
• 1:29
  who's
• 1:29
  right.
• 1:30
  It's
• 1:30
  just
• 1:30
  about
• 1:31
  clarity
• 1:31
  and
• 1:32
  hope.
• 1:53
  Hey,
• 1:53
  friend.
• 1:54
  Ralph
• 1:54
  Estep
• 1:54
  Jr.
• 1:55
  Here.
• 1:55
  Welcome
• 1:55
  to
• 1:56
  Financially
• 1:56
  Confident
• 1:56
  Christian,
• 1:57
  where
• 1:57
  we
• 1:57
  learn
• 1:58
  how
• 1:58
  to
• 1:58
  walk
• 1:58
  through
• 1:58
  life
• 1:59
  and
• 1:59
  money
• 1:59
  with
• 1:59
  wisdom,
• 2:00
  with
• 2:00
  peace,
• 2:01
  and
• 2:01
  with
• 2:02
  a
• 2:02
  heart
• 2:02
  anchored
• 2:02
  in
• 2:02
  God's
• 2:03
  truth.
• 2:03
  My
• 2:04
  mission
• 2:04
  on
• 2:04
  the
• 2:04
  show
• 2:04
  is
• 2:05
  to
• 2:05
  help
• 2:05
  you
• 2:05
  break
• 2:05
  that
• 2:05
  cycle
• 2:06
  of
• 2:06
  financial
• 2:06
  shame
• 2:07
  and
• 2:07
  build
• 2:07
  steady
• 2:08
  habits
• 2:08
  rooted
• 2:09
  in
• 2:09
  faith
• 2:10
  and
• 2:10
  become
• 2:11
  financially
• 2:11
  confident
• 2:12
  Christians.
• 2:12
  And
• 2:13
  I
• 2:13
  am
• 2:13
  so
• 2:13
  glad
• 2:13
  you're
• 2:14
  here
• 2:14
  today.
• 2:15
  Yesterday,
• 2:15
  we
• 2:15
  talked
• 2:15
  about
• 2:16
  why
• 2:16
  couples
• 2:17
  fight
• 2:17
  about
• 2:17
  money.
• 2:18
  We
• 2:18
  talked
• 2:18
  about
• 2:19
  fear
• 2:19
  and
• 2:19
  miscommunication.
• 2:20
  And
• 2:21
  honestly,
• 2:21
  we
• 2:21
  talked
• 2:21
  about
• 2:22
  different
• 2:22
  expectations.
• 2:23
  And
• 2:24
  today
• 2:24
  builds
• 2:24
  right
• 2:24
  on
• 2:25
  top
• 2:25
  of
• 2:25
  that,
• 2:26
  because
• 2:26
  one
• 2:26
  of
• 2:26
  the
• 2:26
  most
• 2:27
  common
• 2:27
  patterns
• 2:28
  in
• 2:28
  relationships,
• 2:29
  I
• 2:29
  see
• 2:29
  this
• 2:29
  one
• 2:30
  almost
• 2:30
  once
• 2:31
  or
• 2:31
  twice
• 2:31
  a
• 2:31
  week.
• 2:32
  It's
• 2:32
  the
• 2:32
  saver
• 2:33
  versus
• 2:33
  the
• 2:34
  spender.
• 2:35
  And
• 2:35
  friend,
• 2:35
  I
• 2:35
  want
• 2:36
  you
• 2:36
  to
• 2:36
  breathe.
• 2:36
  This
• 2:37
  isn't
• 2:37
  rare.
• 2:37
  This
• 2:38
  isn't
• 2:38
  hopeless.
• 2:39
  It's
• 2:39
  just
• 2:40
  human.
• 2:40
  Because
• 2:41
  here's
• 2:41
  the
• 2:41
  question
• 2:41
  I
• 2:41
  hear
• 2:41
  all
• 2:42
  the
• 2:42
  time,
• 2:42
  Ralph,
• 2:43
  I'm
• 2:43
  the
• 2:43
  saver,
• 2:44
  they're
• 2:44
  the
• 2:44
  spender.
• 2:44
  How
• 2:45
  are
• 2:45
  we
• 2:45
  supposed
• 2:45
  to
• 2:45
  make
• 2:46
  this
• 2:46
  work?
• 2:47
  But
• 2:47
  friend,
• 2:48
  behind
• 2:48
  that
• 2:48
  question
• 2:49
  is
• 2:49
  usually
• 2:50
  a
• 2:50
  lot
• 2:50
  of
• 2:50
  frustration,
• 2:51
  isn't
• 2:51
  it?
• 2:52
  And
• 2:52
  a
• 2:52
  lot
• 2:52
  of
• 2:52
  fear.
• 2:53
  Because
• 2:54
  money
• 2:54
  doesn't
• 2:54
  feel
• 2:54
  like
• 2:55
  math
• 2:55
  when
• 2:55
  you're
• 2:55
  living
• 2:56
  in
• 2:56
  it.
• 2:57
  It
• 2:57
  feels
• 2:57
  like
• 2:57
  security.
• 2:59
  So
• 2:59
  if
• 2:59
  you're
• 2:59
  the
• 3:00
  saver,
• 3:00
  you
• 3:00
  might
• 3:01
  feel
• 3:01
  anxious
• 3:01
  every
• 3:02
  time
• 3:02
  money
• 3:02
  leaves
• 3:02
  you
• 3:02
  Catholic
• 3:03
  home.
• 3:03
  And
• 3:03
  we
• 3:03
  are
• 3:03
  spending
• 3:04
  money
• 3:04
  like
• 3:04
  crazy.
• 3:05
  And
• 3:05
  you're
• 3:05
  not
• 3:06
  trying
• 3:06
  to
• 3:06
  be
• 3:06
  controlling,
• 3:07
  you're
• 3:07
  just
• 3:08
  trying
• 3:08
  to
• 3:08
  feel
• 3:08
  safe.
• 3:09
  But
• 3:10
  maybe
• 3:10
  you're
• 3:10
  the
• 3:10
  spender
• 3:11
  and
• 3:11
  you
• 3:12
  might
• 3:12
  feel
• 3:12
  criticized
• 3:13
  for
• 3:13
  wanting
• 3:13
  to
• 3:13
  enjoy
• 3:14
  life.
• 3:14
  Why
• 3:14
  is
• 3:14
  every
• 3:14
  time
• 3:15
  I
• 3:15
  spend
• 3:15
  something
• 3:15
  that
• 3:15
  Give
• 3:15
  me
• 3:15
  a
• 3:16
  hard
• 3:16
  time.
• 3:16
  I'm
• 3:17
  not
• 3:17
  trying
• 3:17
  to
• 3:17
  be
• 3:17
  reckless.
• 3:18
  I'm
• 3:19
  just
• 3:19
  trying
• 3:19
  to
• 3:19
  feel
• 3:19
  free,
• 3:20
  Ralph.
• 3:21
  And
• 3:22
  if
• 3:22
  you're
• 3:22
  both
• 3:22
  honest,
• 3:23
  both
• 3:24
  of
• 3:24
  you
• 3:24
  probably
• 3:24
  feel
• 3:25
  misunderstood.
• 3:26
  See,
• 3:26
  that
• 3:27
  doesn't
• 3:27
  mean
• 3:27
  that
• 3:27
  your
• 3:27
  relationship
• 3:28
  is
• 3:28
  doomed.
• 3:29
  It
• 3:29
  just
• 3:29
  means
• 3:29
  you're
• 3:30
  different.
• 3:31
  And
• 3:31
  differences
• 3:31
  need
• 3:32
  wisdom,
• 3:32
  not
• 3:33
  judgment.
• 3:34
  Here's
• 3:35
  something
• 3:35
  important
• 3:35
  to
• 3:35
  remember.
• 3:36
  Saver
• 3:37
  spender
• 3:37
  dynamics
• 3:38
  is
• 3:38
  incredibly
• 3:39
  common.
• 3:40
  And
• 3:41
  neither
• 3:41
  role
• 3:41
  is
• 3:42
  right
• 3:42
  or
• 3:42
  wrong.
• 3:42
  So
• 3:42
  those
• 3:42
  are
• 3:42
  the
• 3:42
  two
• 3:43
  things
• 3:43
  we
• 3:43
  need
• 3:43
  to
• 3:43
  understand.
• 3:43
  It's
• 3:44
  common.
• 3:44
  And
• 3:44
  guess
• 3:45
  what?
• 3:45
  Neither
• 3:45
  of
• 3:45
  you
• 3:46
  is
• 3:46
  right
• 3:46
  and
• 3:46
  neither
• 3:47
  of
• 3:47
  you
• 3:47
  is
• 3:47
  wrong.
• 3:48
  Problems
• 3:48
  don't
• 3:49
  come
• 3:49
  from
• 3:49
  the
• 3:49
  differences.
• 3:50
  They
• 3:50
  come
• 3:50
  from
• 3:50
  an
• 3:50
  imbalance.
• 3:52
  See,
• 3:52
  when
• 3:52
  saving
• 3:53
  becomes
• 3:53
  fear
• 3:54
  driven,
• 3:55
  it
• 3:55
  turns
• 3:55
  into
• 3:55
  tight
• 3:56
  fists.
• 3:57
  And
• 3:58
  when
• 3:58
  spending
• 3:58
  becomes
• 3:59
  avoidance,
• 4:00
  it
• 4:00
  turns
• 4:00
  into
• 4:00
  denial.
• 4:02
  But
• 4:02
  when
• 4:02
  both
• 4:02
  are
• 4:03
  healthy,
• 4:04
  savings
• 4:04
  looks
• 4:05
  like
• 4:05
  stability
• 4:06
  and
• 4:06
  spending
• 4:07
  looks
• 4:07
  like
• 4:07
  joy.
• 4:07
  Don't
• 4:08
  you
• 4:08
  want
• 4:08
  that?
• 4:09
  And
• 4:09
  friend,
• 4:09
  you
• 4:10
  actually
• 4:10
  need
• 4:10
  both
• 4:11
  of
• 4:11
  those
• 4:11
  things.
• 4:12
  And
• 4:12
  I've
• 4:13
  worked
• 4:13
  with
• 4:13
  many
• 4:13
  couples
• 4:14
  just
• 4:14
  like
• 4:14
  this,
• 4:15
  just
• 4:15
  like
• 4:15
  you
• 4:15
  are
• 4:15
  today.
• 4:16
  Couples
• 4:16
  who
• 4:16
  thought
• 4:17
  if
• 4:17
  they
• 4:17
  would
• 4:17
  just
• 4:18
  make
• 4:18
  more
• 4:19
  like
• 4:19
  me,
• 4:19
  everything
• 4:20
  would
• 4:20
  be
• 4:20
  fine.
• 4:22
  But
• 4:22
  here's
• 4:22
  the
• 4:22
  thing
• 4:22
  you're
• 4:22
  going
• 4:23
  to
• 4:23
  understand.
• 4:23
  Peace
• 4:24
  didn't
• 4:24
  come
• 4:24
  from
• 4:24
  trying
• 4:25
  to
• 4:25
  change
• 4:25
  each
• 4:25
  other.
• 4:26
  Peace
• 4:27
  came
• 4:27
  from
• 4:27
  understanding
• 4:28
  each
• 4:29
  other
• 4:29
  and
• 4:29
  building
• 4:29
  a
• 4:30
  simple
• 4:30
  system
• 4:30
  that
• 4:31
  honored
• 4:31
  both
• 4:32
  people.
• 4:32
  A
• 4:32
  system
• 4:32
  that
• 4:33
  worked
• 4:33
  for
• 4:33
  both
• 4:33
  of
• 4:33
  you.
• 4:34
  I
• 4:35
  never
• 4:35
  forget
• 4:35
  I
• 4:35
  once
• 4:35
  talked
• 4:35
  with
• 4:36
  a
• 4:36
  couple
• 4:36
  who
• 4:36
  said,
• 4:36
  we
• 4:37
  argue
• 4:37
  about
• 4:37
  money
• 4:38
  constantly.
• 4:39
  They
• 4:39
  sure
• 4:39
  did.
• 4:39
  Let
• 4:40
  me
• 4:40
  tell
• 4:40
  you
• 4:40
  right
• 4:40
  now,
• 4:40
  I
• 4:40
  got
• 4:40
  to
• 4:40
  know
• 4:41
  them
• 4:41
  pretty
• 4:41
  well.
• 4:42
  And
• 4:42
  here's
• 4:42
  what
• 4:42
  the
• 4:42
  savior
• 4:43
  said,
• 4:43
  Ralph,
• 4:43
  I'm
• 4:44
  just
• 4:44
  trying
• 4:44
  to
• 4:44
  protect
• 4:45
  us.
• 4:46
  He
• 4:46
  doesn't
• 4:47
  get
• 4:47
  it.
• 4:47
  I'm
• 4:47
  just
• 4:47
  trying
• 4:48
  to
• 4:48
  protect
• 4:48
  us.
• 4:49
  And
• 4:49
  then
• 4:49
  the
• 4:49
  spender
• 4:50
  said,
• 4:51
  I
• 4:51
  just
• 4:51
  want
• 4:51
  to
• 4:51
  enjoy
• 4:52
  life,
• 4:52
  Ralph.
• 4:53
  I
• 4:53
  just
• 4:54
  want
• 4:54
  to
• 4:54
  enjoy
• 4:54
  life.
• 4:54
  I
• 4:54
  don't
• 4:54
  know
• 4:54
  how
• 4:55
  long
• 4:55
  I'm
• 4:55
  going
• 4:55
  to
• 4:55
  live.
• 4:57
  And
• 4:57
  friend,
• 4:57
  let
• 4:57
  me
• 4:57
  tell
• 4:57
  you
• 4:58
  right
• 4:58
  now,
• 4:58
  neither
• 4:58
  of
• 4:59
  those
• 4:59
  was
• 4:59
  wrong.
• 4:59
  They
• 5:00
  were
• 5:00
  just
• 5:00
  talking
• 5:00
  past
• 5:01
  each
• 5:01
  other.
• 5:02
  They
• 5:02
  weren't
• 5:03
  fighting
• 5:03
  about
• 5:03
  dollars,
• 5:04
  they
• 5:04
  were
• 5:04
  fighting
• 5:04
  about
• 5:05
  needs.
• 5:05
  They're
• 5:05
  fighting
• 5:06
  about
• 5:06
  safety.
• 5:07
  And
• 5:07
  at
• 5:07
  the
• 5:07
  bottom
• 5:08
  of
• 5:08
  it,
• 5:08
  they
• 5:08
  are
• 5:08
  fighting
• 5:09
  about
• 5:09
  freedom.
• 5:11
  And
• 5:11
  once
• 5:11
  we
• 5:11
  named
• 5:12
  that,
• 5:12
  yeah,
• 5:12
  I
• 5:12
  put
• 5:12
  on
• 5:12
  my
• 5:13
  counselor
• 5:13
  hat,
• 5:14
  the
• 5:15
  tension
• 5:15
  softened
• 5:16
  and
• 5:16
  they
• 5:16
  stopped
• 5:17
  trying
• 5:17
  to
• 5:17
  win
• 5:18
  and
• 5:18
  they
• 5:18
  started
• 5:18
  trying
• 5:19
  to
• 5:19
  balance
• 5:19
  this.
• 5:21
  So
• 5:21
  here's
• 5:21
  today's
• 5:22
  central
• 5:22
  question.
• 5:23
  How
• 5:24
  can
• 5:24
  your
• 5:24
  differences
• 5:24
  become
• 5:25
  a
• 5:25
  strength
• 5:26
  instead
• 5:26
  of
• 5:27
  a
• 5:27
  source
• 5:27
  of
• 5:27
  conflict?
• 5:28
  Because
• 5:28
  that's
• 5:28
  really
• 5:28
  the
• 5:28
  answer.
• 5:29
  Because
• 5:29
  when
• 5:29
  you
• 5:30
  learn
• 5:30
  to
• 5:30
  do
• 5:30
  this,
• 5:30
  well,
• 5:31
  let
• 5:31
  me
• 5:31
  tell
• 5:31
  you
• 5:31
  right
• 5:31
  now,
• 5:32
  your
• 5:32
  relationship
• 5:32
  gets
• 5:33
  steadier
• 5:33
  and
• 5:34
  is
• 5:34
  never
• 5:34
  going
• 5:34
  to
• 5:34
  be
• 5:34
  perfect,
• 5:35
  but
• 5:35
  it
• 5:35
  gets
• 5:35
  steadier.
• 5:37
  So
• 5:37
  let's
• 5:37
  walk
• 5:37
  through
• 5:37
  this
• 5:38
  together.
• 5:38
  I'm
• 5:38
  going
• 5:38
  to
• 5:38
  give
• 5:38
  you
• 5:39
  a
• 5:39
  simple
• 5:39
  three
• 5:40
  part
• 5:40
  approach.
• 5:41
  It's
• 5:41
  what
• 5:41
  I
• 5:41
  call
• 5:41
  honor.
• 5:42
  Align
• 5:43
  and
• 5:43
  build
• 5:44
  starts
• 5:44
  with
• 5:44
  honor.
• 5:45
  Honor's
• 5:45
  what
• 5:46
  each
• 5:46
  person
• 5:46
  brings.
• 5:47
  Let's
• 5:48
  name
• 5:48
  the
• 5:48
  strengths.
• 5:49
  Here's
• 5:49
  what
• 5:49
  savers
• 5:50
  often
• 5:50
  bring.
• 5:51
  Savers
• 5:51
  are
• 5:51
  definitely
• 5:52
  people
• 5:52
  who
• 5:52
  plan.
• 5:52
  Generally
• 5:53
  they're
• 5:53
  disciplined,
• 5:54
  they
• 5:54
  believe
• 5:54
  in
• 5:55
  security
• 5:55
  and
• 5:55
  they've
• 5:56
  got
• 5:56
  great
• 5:56
  long
• 5:57
  term
• 5:57
  thinking.
• 5:58
  Now
• 5:59
  spenders
• 5:59
  bring
• 5:59
  along
• 6:00
  these
• 6:00
  things.
• 6:01
  Generosity,
• 6:02
  enjoy.
• 6:03
  And
• 6:03
  flexibility.
• 6:04
  And
• 6:04
  hey,
• 6:04
  ability
• 6:05
  to
• 6:05
  live
• 6:05
  in
• 6:05
  the
• 6:05
  moment.
• 6:07
  And
• 6:07
  friend,
• 6:07
  a
• 6:07
  healthy
• 6:08
  home
• 6:08
  needs
• 6:08
  a
• 6:09
  balance
• 6:09
  of
• 6:09
  both
• 6:09
  of
• 6:10
  those
• 6:10
  things.
• 6:11
  But
• 6:11
  here's
• 6:12
  the
• 6:12
  danger.
• 6:13
  When
• 6:13
  you
• 6:13
  only
• 6:14
  honor
• 6:14
  your
• 6:14
  own
• 6:14
  style,
• 6:15
  when
• 6:15
  you
• 6:15
  only
• 6:15
  live
• 6:15
  in
• 6:16
  your
• 6:16
  reality,
• 6:17
  your
• 6:17
  spouse
• 6:18
  starts
• 6:18
  feeling
• 6:18
  like
• 6:18
  they're
• 6:19
  the
• 6:19
  enemy.
• 6:20
  And
• 6:20
  when
• 6:20
  you
• 6:21
  honor
• 6:21
  the
• 6:21
  other
• 6:21
  person's
• 6:22
  strength,
• 6:22
  you
• 6:23
  stop
• 6:23
  trying
• 6:23
  to
• 6:23
  fix
• 6:24
  them
• 6:24
  and
• 6:24
  you
• 6:25
  start
• 6:25
  learning
• 6:25
  how
• 6:25
  to
• 6:26
  partner
• 6:26
  with
• 6:26
  them.
• 6:26
  Because
• 6:27
  that's
• 6:27
  the
• 6:27
  key.
• 6:28
  So
• 6:28
  try
• 6:29
  this
• 6:29
  simple
• 6:29
  sentence.
• 6:31
  I
• 6:31
  can
• 6:32
  see
• 6:32
  how
• 6:32
  that
• 6:32
  matters
• 6:33
  to
• 6:33
  you.
• 6:34
  Write
• 6:34
  this
• 6:34
  down
• 6:35
  because
• 6:35
  it's
• 6:35
  so
• 6:35
  important
• 6:35
  to
• 6:35
  know
• 6:36
  this.
• 6:36
  I
• 6:36
  can
• 6:36
  see
• 6:37
  how
• 6:37
  this
• 6:37
  matters
• 6:38
  to
• 6:38
  you.
• 6:38
  That
• 6:39
  sentence
• 6:39
  is
• 6:39
  powerful
• 6:40
  because
• 6:40
  it
• 6:40
  creates
• 6:41
  safety.
• 6:41
  We
• 6:41
  got
• 6:42
  to
• 6:42
  start
• 6:42
  with
• 6:42
  safety.
• 6:42
  Second
• 6:43
  thing
• 6:43
  is
• 6:43
  align.
• 6:44
  You
• 6:44
  got
• 6:44
  to
• 6:45
  align
• 6:45
  on
• 6:45
  shared
• 6:46
  priorities.
• 6:47
  This
• 6:47
  is
• 6:48
  where
• 6:48
  most
• 6:48
  many
• 6:49
  and
• 6:49
  many
• 6:49
  couples
• 6:50
  get
• 6:50
  stuck,
• 6:50
  to
• 6:50
  be
• 6:50
  honest
• 6:51
  with
• 6:51
  you.
• 6:51
  They
• 6:52
  argue
• 6:52
  about
• 6:52
  spending,
• 6:53
  but
• 6:54
  they've
• 6:54
  never
• 6:54
  agreed
• 6:54
  on
• 6:54
  what
• 6:55
  matters
• 6:55
  the
• 6:55
  most
• 6:55
  in
• 6:55
  the
• 6:56
  first
• 6:56
  place.
• 6:57
  So
• 6:58
  here's
• 6:58
  the
• 6:58
  common
• 6:58
  question.
• 6:59
  It
• 6:59
  kind
• 6:59
  of
• 6:59
  goes
• 6:59
  back
• 6:59
  to
• 6:59
  what
• 6:59
  we
• 7:00
  talked
• 7:00
  about
• 7:00
  yesterday.
• 7:00
  What
• 7:01
  are
• 7:01
  we
• 7:01
  trying
• 7:01
  to
• 7:02
  build
• 7:02
  together?
• 7:03
  What
• 7:03
  are
• 7:04
  we
• 7:04
  trying
• 7:04
  to
• 7:04
  work
• 7:04
  on
• 7:04
  together?
• 7:05
  What's
• 7:05
  our
• 7:05
  why?
• 7:06
  Is
• 7:06
  it
• 7:07
  living
• 7:07
  a
• 7:07
  debt
• 7:07
  free
• 7:08
  life?
• 7:09
  Is
• 7:09
  it
• 7:09
  a
• 7:09
  more
• 7:09
  peaceful
• 7:10
  month?
• 7:10
  Is
• 7:10
  it
• 7:10
  building
• 7:11
  that
• 7:11
  savings
• 7:12
  cushion?
• 7:13
  Are
• 7:13
  you
• 7:13
  trying
• 7:13
  to
• 7:13
  have
• 7:14
  a
• 7:14
  home,
• 7:14
  a
• 7:14
  future
• 7:14
  with
• 7:15
  less
• 7:15
  stress?
• 7:16
  See,
• 7:16
  friend,
• 7:17
  when
• 7:17
  you
• 7:17
  share
• 7:17
  a
• 7:18
  goal,
• 7:18
  you
• 7:19
  stop
• 7:19
  fighting
• 7:19
  each
• 7:19
  other
• 7:20
  and
• 7:20
  you
• 7:20
  start
• 7:21
  fighting
• 7:21
  together
• 7:21
  for
• 7:22
  the
• 7:22
  future.
• 7:23
  See,
• 7:23
  Unity
• 7:24
  isn't
• 7:24
  agreeing
• 7:25
  on
• 7:25
  every
• 7:25
  purchase.
• 7:25
  That's
• 7:26
  never
• 7:26
  going
• 7:26
  to
• 7:26
  happen.
• 7:27
  But
• 7:27
  unity
• 7:28
  is
• 7:28
  choosing
• 7:28
  the
• 7:29
  same
• 7:29
  direction,
• 7:29
  which
• 7:30
  leads
• 7:30
  me
• 7:30
  to
• 7:30
  this.
• 7:31
  Build
• 7:31
  a
• 7:31
  system
• 7:31
  that
• 7:32
  protects
• 7:32
  both
• 7:32
  people.
• 7:33
  It
• 7:33
  needs
• 7:34
  to
• 7:34
  be
• 7:34
  a
• 7:34
  win
• 7:34
  win.
• 7:34
  See,
• 7:35
  this
• 7:35
  is
• 7:35
  where
• 7:35
  peace
• 7:35
  shows
• 7:36
  up.
• 7:36
  It
• 7:36
  doesn't
• 7:36
  show
• 7:37
  up
• 7:37
  in
• 7:37
  lectures.
• 7:37
  It
• 7:38
  shows
• 7:38
  up
• 7:38
  in
• 7:38
  structure.
• 7:40
  And
• 7:40
  the
• 7:40
  best
• 7:40
  structure
• 7:41
  is
• 7:41
  simple.
• 7:41
  And
• 7:41
  I'm
• 7:42
  going
• 7:42
  to
• 7:42
  give
• 7:42
  you
• 7:42
  three
• 7:42
  pieces
• 7:42
  that
• 7:43
  I
• 7:43
  recommend.
• 7:44
  A
• 7:44
  bills
• 7:45
  and
• 7:45
  basics
• 7:45
  plan,
• 7:46
  a
• 7:46
  savings
• 7:47
  plan,
• 7:47
  and
• 7:47
  a
• 7:48
  fun
• 7:48
  money
• 7:48
  that's
• 7:48
  agreed
• 7:49
  upon
• 7:49
  plan.
• 7:49
  Just
• 7:50
  three
• 7:50
  things.
• 7:50
  Bills
• 7:51
  and
• 7:51
  basics,
• 7:52
  savings
• 7:52
  and
• 7:53
  fun
• 7:53
  money.
• 7:53
  Now,
• 7:53
  because
• 7:54
  funding
• 7:54
  money
• 7:55
  isn't
• 7:55
  childish,
• 7:56
  I
• 7:56
  feel.
• 7:56
  Oh,
• 7:56
  that's
• 7:56
  just
• 7:56
  child.
• 7:57
  No,
• 7:57
  that's
• 7:57
  relief
• 7:58
  for
• 7:58
  the
• 7:58
  spender.
• 7:59
  That
• 7:59
  is
• 7:59
  what,
• 7:59
  that's
• 8:00
  what
• 8:00
  fuels
• 8:00
  their
• 8:00
  tank.
• 8:01
  See,
• 8:02
  when
• 8:02
  the
• 8:02
  spender
• 8:02
  knows
• 8:03
  there's
• 8:03
  room
• 8:03
  to
• 8:03
  enjoy,
• 8:04
  they
• 8:05
  stop
• 8:05
  feeling
• 8:05
  trapped.
• 8:06
  And
• 8:06
  when
• 8:06
  the
• 8:07
  saver
• 8:07
  knows
• 8:07
  the
• 8:07
  bills
• 8:08
  and
• 8:08
  the
• 8:08
  savings
• 8:08
  are
• 8:08
  covered,
• 8:09
  guess
• 8:09
  what?
• 8:10
  They
• 8:10
  don't
• 8:10
  feel
• 8:10
  panicked
• 8:11
  anymore.
• 8:12
  So
• 8:12
  what
• 8:12
  does
• 8:12
  this
• 8:12
  look
• 8:13
  like
• 8:13
  maybe
• 8:13
  it's
• 8:14
  a
• 8:14
  set
• 8:14
  amount
• 8:14
  each.
• 8:15
  Each
• 8:15
  person
• 8:15
  can
• 8:16
  spend
• 8:16
  without
• 8:16
  asking
• 8:17
  permission?
• 8:17
  I
• 8:17
  think
• 8:17
  this
• 8:17
  is
• 8:18
  a
• 8:18
  great
• 8:18
  thing.
• 8:18
  This
• 8:18
  is
• 8:18
  one
• 8:18
  of
• 8:18
  the
• 8:19
  things
• 8:19
  I
• 8:19
  counsel
• 8:19
  couples
• 8:19
  on
• 8:20
  all
• 8:20
  the
• 8:20
  time.
• 8:20
  Each
• 8:21
  person
• 8:21
  should
• 8:21
  take
• 8:22
  a
• 8:22
  certain
• 8:22
  amount
• 8:22
  that
• 8:22
  they
• 8:22
  can
• 8:23
  spend
• 8:23
  without
• 8:23
  asking
• 8:24
  permission.
• 8:24
  Look
• 8:24
  at
• 8:25
  your
• 8:25
  budget
• 8:25
  and
• 8:25
  carve
• 8:26
  that
• 8:26
  out
• 8:26
  and
• 8:26
  then
• 8:26
  you
• 8:26
  have
• 8:27
  a
• 8:27
  weekly
• 8:27
  check
• 8:27
  in.
• 8:27
  That's
• 8:28
  common
• 8:28
  short.
• 8:28
  Here's
• 8:29
  what's
• 8:29
  going
• 8:29
  on.
• 8:29
  Here's
• 8:30
  what
• 8:30
  our
• 8:30
  margin
• 8:30
  is,
• 8:31
  here's
• 8:31
  the
• 8:31
  bills
• 8:31
  we
• 8:31
  gotta
• 8:32
  pay,
• 8:33
  and
• 8:33
  maybe
• 8:33
  a
• 8:33
  rule
• 8:33
  that
• 8:34
  says
• 8:34
  this.
• 8:34
  Anything
• 8:35
  over
• 8:35
  X
• 8:36
  dollars
• 8:36
  gets
• 8:36
  a
• 8:37
  quick
• 8:37
  conversation
• 8:38
  going
• 8:38
  to
• 8:38
  prevent
• 8:38
  a
• 8:38
  lot
• 8:38
  of
• 8:39
  problems,
• 8:40
  set
• 8:40
  that
• 8:40
  number
• 8:40
  aside.
• 8:41
  Maybe
• 8:41
  it's
• 8:41
  $25,
• 8:42
  $50,
• 8:43
  just
• 8:43
  make
• 8:44
  that.
• 8:44
  Because,
• 8:44
  see,
• 8:44
  that
• 8:44
  works
• 8:44
  for
• 8:45
  both
• 8:45
  parties.
• 8:46
  That's
• 8:46
  not
• 8:47
  about
• 8:47
  control.
• 8:48
  That's
• 8:48
  teamwork.
• 8:49
  And
• 8:50
  here's
• 8:50
  the
• 8:50
  most
• 8:50
  important
• 8:51
  part.
• 8:51
  The
• 8:52
  goal
• 8:52
  is
• 8:52
  not
• 8:53
  to
• 8:53
  make
• 8:53
  the
• 8:53
  spender
• 8:54
  a
• 8:54
  saver.
• 8:54
  A
• 8:54
  lot
• 8:54
  of
• 8:54
  people
• 8:55
  say,
• 8:55
  well,
• 8:55
  I've
• 8:55
  got
• 8:55
  to
• 8:56
  convince
• 8:56
  my
• 8:56
  husband
• 8:57
  that
• 8:57
  he
• 8:57
  needs
• 8:57
  to
• 8:57
  be
• 8:57
  a
• 8:57
  saver.
• 8:58
  And
• 8:58
  the
• 8:58
  spender
• 8:59
  thinks,
• 8:59
  I've
• 8:59
  got
• 9:00
  to
• 9:00
  convince
• 9:00
  my
• 9:00
  wife
• 9:00
  that
• 9:00
  she
• 9:01
  needs
• 9:01
  to
• 9:01
  be
• 9:01
  a
• 9:01
  spender.
• 9:02
  That's
• 9:02
  not
• 9:02
  what
• 9:02
  we're
• 9:02
  talking
• 9:03
  about.
• 9:04
  And
• 9:04
  it's
• 9:04
  not
• 9:04
  to
• 9:05
  make
• 9:05
  the
• 9:05
  savor
• 9:05
  loosen
• 9:06
  up.
• 9:06
  The
• 9:07
  goal
• 9:07
  is
• 9:07
  to
• 9:07
  build
• 9:08
  a
• 9:08
  plan
• 9:08
  that
• 9:08
  protects
• 9:09
  peace
• 9:09
  for
• 9:09
  both
• 9:09
  of
• 9:10
  you.
• 9:10
  Because
• 9:11
  we
• 9:11
  go
• 9:11
  back
• 9:11
  to
• 9:11
  this,
• 9:12
  you
• 9:12
  love
• 9:12
  each
• 9:12
  other
• 9:13
  deeply,
• 9:14
  but
• 9:14
  you
• 9:14
  still
• 9:14
  need
• 9:15
  structure.
• 9:16
  That's
• 9:16
  just
• 9:17
  normal
• 9:17
  relationship.
• 9:18
  Which
• 9:19
  leads
• 9:19
  me
• 9:19
  to
• 9:19
  today's
• 9:20
  Bible
• 9:20
  as
• 9:20
  it
• 9:20
  comes
• 9:20
  to
• 9:20
  us
• 9:21
  from
• 9:21
  the
• 9:21
  book
• 9:21
  of
• 9:21
  Romans,
• 9:22
  chapter
• 9:22
  12,
• 9:23
  verse
• 9:23
  18,
• 9:25
  if
• 9:25
  it
• 9:25
  is
• 9:25
  possible,
• 9:26
  as
• 9:26
  far
• 9:27
  as
• 9:27
  it
• 9:27
  depends
• 9:27
  on
• 9:28
  you,
• 9:28
  live
• 9:29
  at
• 9:29
  peace
• 9:29
  with
• 9:29
  everyone.
• 9:31
  See,
• 9:31
  friend,
• 9:31
  peace
• 9:32
  doesn't
• 9:32
  mean
• 9:32
  you
• 9:33
  agree
• 9:33
  on
• 9:33
  every
• 9:33
  detail.
• 9:34
  That's
• 9:34
  not
• 9:34
  what
• 9:34
  Paul
• 9:35
  was
• 9:35
  saying
• 9:35
  here.
• 9:36
  Peace
• 9:36
  means
• 9:37
  you
• 9:37
  choose
• 9:37
  humility,
• 9:38
  you
• 9:39
  choose
• 9:39
  to
• 9:39
  listen,
• 9:40
  and
• 9:40
  you
• 9:41
  choose
• 9:41
  unity
• 9:42
  over
• 9:42
  winning.
• 9:43
  And
• 9:43
  when
• 9:43
  it
• 9:43
  comes
• 9:44
  to
• 9:44
  money,
• 9:44
  that's
• 9:44
  a
• 9:45
  holy
• 9:45
  decision.
• 9:45
  Because
• 9:46
  money
• 9:46
  can
• 9:46
  tempt
• 9:47
  us
• 9:47
  to
• 9:47
  control
• 9:48
  and
• 9:48
  can
• 9:48
  also
• 9:48
  tempt
• 9:49
  us
• 9:49
  to
• 9:49
  escape.
• 9:50
  But
• 9:51
  God
• 9:51
  invites
• 9:51
  us
• 9:51
  to
• 9:52
  something
• 9:52
  bigger.
• 9:52
  He
• 9:52
  wants
• 9:53
  us
• 9:53
  to
• 9:53
  walk
• 9:53
  in
• 9:53
  peace
• 9:54
  and
• 9:55
  he
• 9:55
  wants
• 9:55
  us
• 9:55
  to
• 9:55
  do
• 9:55
  it
• 9:56
  together.
• 9:57
  So
• 9:57
  here's
• 9:57
  your
• 9:57
  simple
• 9:58
  step
• 9:58
  for
• 9:58
  today.
• 9:58
  Just
• 9:59
  one
• 9:59
  thing.
• 9:59
  I
• 9:59
  want
• 9:59
  you
• 9:59
  to
• 9:59
  write
• 10:00
  down
• 10:00
  one
• 10:00
  strength
• 10:01
  your
• 10:01
  spouse
• 10:01
  or
• 10:02
  your
• 10:02
  partner
• 10:02
  brings
• 10:02
  to
• 10:02
  money
• 10:03
  management.
• 10:03
  See
• 10:03
  what
• 10:03
  I
• 10:03
  did
• 10:03
  there?
• 10:04
  I
• 10:04
  turned
• 10:04
  it
• 10:05
  around.
• 10:05
  I
• 10:05
  want
• 10:05
  you
• 10:05
  to
• 10:05
  write
• 10:06
  down
• 10:06
  one
• 10:06
  strength
• 10:06
  that
• 10:07
  your
• 10:07
  spouse
• 10:07
  or
• 10:08
  partner
• 10:08
  brings
• 10:08
  to
• 10:08
  money.
• 10:09
  Magic.
• 10:09
  Even
• 10:09
  if
• 10:10
  you're
• 10:10
  frustrated
• 10:10
  right
• 10:10
  now,
• 10:11
  even
• 10:11
  if
• 10:11
  it's
• 10:11
  already
• 10:11
  like
• 10:12
  Ralph,
• 10:12
  they
• 10:12
  don't
• 10:12
  have
• 10:12
  any
• 10:13
  strengths.
• 10:13
  I
• 10:13
  guarantee
• 10:14
  they've
• 10:14
  got
• 10:14
  one.
• 10:14
  Just
• 10:15
  name
• 10:15
  it,
• 10:15
  acknowledge
• 10:16
  it,
• 10:17
  and
• 10:17
  then
• 10:17
  say
• 10:18
  one
• 10:18
  sentence
• 10:18
  to
• 10:18
  them.
• 10:18
  This
• 10:19
  week,
• 10:20
  now
• 10:20
  this,
• 10:20
  you
• 10:20
  might
• 10:20
  have
• 10:20
  to
• 10:21
  bite
• 10:21
  your
• 10:21
  tongue.
• 10:21
  It
• 10:21
  might
• 10:21
  be
• 10:21
  hard
• 10:21
  to
• 10:22
  say
• 10:22
  this.
• 10:23
  I
• 10:23
  appreciate
• 10:24
  that
• 10:24
  you,
• 10:24
  whatever
• 10:25
  that
• 10:25
  strength
• 10:26
  is,
• 10:26
  I
• 10:27
  appreciate
• 10:27
  that.
• 10:27
  You
• 10:29
  see,
• 10:29
  friend,
• 10:30
  gratitude
• 10:30
  softens
• 10:31
  tension
• 10:32
  and
• 10:32
  that
• 10:32
  respect
• 10:33
  will
• 10:33
  open
• 10:34
  doors
• 10:34
  of
• 10:34
  communication.
• 10:36
  Lord,
• 10:36
  thank
• 10:37
  you
• 10:37
  for
• 10:37
  creating
• 10:38
  us
• 10:38
  uniquely.
• 10:39
  Thank
• 10:39
  you
• 10:39
  that
• 10:40
  different
• 10:40
  personalities
• 10:41
  can
• 10:41
  become
• 10:42
  a
• 10:42
  gift,
• 10:42
  not
• 10:42
  a
• 10:43
  problem.
• 10:44
  Help
• 10:44
  us
• 10:44
  to
• 10:45
  honor
• 10:45
  each
• 10:45
  other's
• 10:46
  strengths.
• 10:46
  Lord,
• 10:46
  give
• 10:47
  us
• 10:47
  humility,
• 10:48
  give
• 10:48
  us
• 10:48
  patience.
• 10:49
  And
• 10:49
  Lord,
• 10:50
  give
• 10:50
  us
• 10:50
  peace.
• 10:51
  Teach
• 10:51
  us
• 10:51
  to
• 10:52
  build
• 10:52
  unity
• 10:52
  with
• 10:52
  kindness
• 10:53
  and
• 10:53
  honesty
• 10:54
  and
• 10:55
  bring
• 10:55
  healing
• 10:55
  where
• 10:56
  money
• 10:56
  has
• 10:56
  caused
• 10:56
  tension.
• 10:57
  And
• 10:57
  we
• 10:57
  ask
• 10:57
  this
• 10:58
  in
• 10:58
  Jesus
• 10:59
  name.
• 11:00
  Amen.
• 11:01
  Friend,
• 11:02
  you
• 11:02
  don't
• 11:02
  have
• 11:02
  to
• 11:02
  guess
• 11:02
  your
• 11:03
  way
• 11:03
  through
• 11:03
  this
• 11:03
  anymore.
• 11:04
  If
• 11:04
  you
• 11:04
  want
• 11:05
  guidance
• 11:05
  that
• 11:05
  feels
• 11:05
  steady
• 11:06
  and
• 11:06
  grounded
• 11:07
  and
• 11:07
  anchored
• 11:07
  in
• 11:07
  God's
• 11:07
  truth,
• 11:08
  I've
• 11:08
  got
• 11:08
  the
• 11:08
  solution.
• 11:09
  And
• 11:09
  it's
• 11:09
  in
• 11:09
  a
• 11:10
  book
• 11:10
  that
• 11:10
  I
• 11:10
  just
• 11:10
  released.
• 11:11
  It's
• 11:11
  called
• 11:11
  how
• 11:11
  to
• 11:11
  Become
• 11:12
  a
• 11:12
  Financially
• 11:13
  Confident
• 11:13
  Christian.
• 11:13
  It
• 11:14
  was
• 11:14
  a
• 11:14
  passion
• 11:14
  project
• 11:14
  of
• 11:15
  mine.
• 11:15
  It's
• 11:16
  for
• 11:16
  people
• 11:16
  who've
• 11:16
  tried
• 11:17
  everything
• 11:17
  and
• 11:18
  still
• 11:18
  feel
• 11:18
  overwhelmed.
• 11:19
  It's
• 11:20
  where
• 11:20
  hope
• 11:20
  meets
• 11:21
  action.
• 11:21
  And
• 11:21
  I
• 11:22
  want
• 11:22
  to
• 11:22
  encourage
• 11:22
  you
• 11:22
  to
• 11:22
  check
• 11:22
  it
• 11:22
  out
• 11:23
  today.
• 11:23
  Go
• 11:23
  to
• 11:23
  financiallyconfidentchristian.com/becoming
• 11:27
  that's
• 11:27
  financiallyconfidentchristian.com/becoming
• 11:30
  and
• 11:30
  get
• 11:31
  a
• 11:31
  copy
• 11:31
  of
• 11:31
  my
• 11:31
  book
• 11:31
  today.
• 11:33
  Friend,
• 11:33
  your
• 11:33
  differences
• 11:34
  don't
• 11:34
  have
• 11:34
  to
• 11:34
  divide
• 11:35
  you
• 11:35
  anymore.
• 11:36
  With
• 11:36
  respect,
• 11:37
  with
• 11:37
  communication,
• 11:38
  and
• 11:39
  with
• 11:39
  some
• 11:39
  shared
• 11:40
  boundaries,
• 11:40
  they
• 11:41
  can
• 11:41
  actually
• 11:41
  balance
• 11:42
  you.
• 11:43
  And
• 11:43
  you
• 11:43
  don't
• 11:43
  need
• 11:43
  to
• 11:43
  fix
• 11:44
  your
• 11:44
  spouse.
• 11:44
  You
• 11:45
  don't
• 11:45
  need
• 11:45
  to
• 11:45
  become
• 11:45
  someone
• 11:46
  else.
• 11:46
  You
• 11:47
  just
• 11:47
  need
• 11:47
  a
• 11:47
  plan
• 11:47
  that
• 11:48
  honors
• 11:48
  both
• 11:48
  of
• 11:49
  you
• 11:49
  and
• 11:49
  honors
• 11:50
  both
• 11:50
  of
• 11:50
  your
• 11:50
  hearts.
• 11:51
  And
• 11:51
  tomorrow
• 11:52
  we're
• 11:52
  going
• 11:52
  to
• 11:52
  build
• 11:52
  on
• 11:52
  this.
• 11:52
  We're
• 11:53
  going
• 11:53
  to
• 11:53
  talk
• 11:53
  about
• 11:53
  money
• 11:53
  talks,
• 11:54
  how
• 11:54
  you
• 11:55
  can
• 11:55
  have
• 11:55
  a
• 11:55
  healthy
• 11:55
  financial
• 11:56
  conversation
• 11:56
  with
• 11:57
  your
• 11:57
  partner.
• 11:57
  Because
• 11:57
  that's
• 11:58
  really
• 11:58
  what
• 11:58
  we're
• 11:58
  talking
• 11:58
  about.
• 11:59
  It's
• 11:59
  how
• 11:59
  to
• 11:59
  develop
• 12:00
  that
• 12:00
  communication.
• 12:02
  So
• 12:02
  if
• 12:02
  this
• 12:02
  episode
• 12:02
  has
• 12:03
  helped
• 12:03
  you,
• 12:03
  I
• 12:03
  want
• 12:03
  you
• 12:03
  and
• 12:03
  share
• 12:04
  with
• 12:04
  somebody
• 12:04
  else
• 12:04
  who's
• 12:05
  married
• 12:05
  to
• 12:05
  the
• 12:06
  opposite
• 12:06
  person.
• 12:07
  A
• 12:07
  lot
• 12:07
  of
• 12:07
  people
• 12:07
  out
• 12:08
  here
• 12:08
  like,
• 12:08
  I
• 12:08
  recognize
• 12:08
  this
• 12:09
  person.
• 12:09
  I'm
• 12:09
  going
• 12:09
  to
• 12:09
  share
• 12:09
  this
• 12:09
  episode
• 12:10
  with
• 12:10
  them
• 12:11
  because
• 12:11
  this
• 12:11
  show
• 12:11
  is
• 12:12
  never
• 12:12
  about
• 12:12
  financial
• 12:13
  shame.
• 12:14
  It's
• 12:14
  about
• 12:14
  walking
• 12:15
  in
• 12:15
  wisdom,
• 12:15
  staying
• 12:16
  steady,
• 12:16
  and
• 12:17
  becoming
• 12:17
  a
• 12:17
  financially
• 12:18
  confident
• 12:18
  Christian.
• 12:19
  God
• 12:19
  bless
• 12:20
  you,
• 12:20
  friend,
• 12:20
  and
• 12:20
  don't
• 12:20
  forget
• 12:21
  to
• 12:21
  join
• 12:21
  me
• 12:21
  again
• 12:21
  tomorrow
• 12:22
  on
• 12:22
  the
• 12:22
  show.