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Why Can't I Ever Seem to Stick to My Budget? · Becoming Financially Confident

• 0:38
  You've
• 0:38
  sat
• 0:38
  down,
• 0:38
  you've
• 0:39
  done
• 0:39
  the
• 0:39
  work.
• 0:40
  You
• 0:40
  created
• 0:40
  a
• 0:41
  budget
• 0:41
  that
• 0:41
  makes
• 0:41
  sense,
• 0:42
  one
• 0:42
  you
• 0:42
  truly
• 0:42
  believe
• 0:43
  you
• 0:43
  can
• 0:43
  follow.
• 0:44
  But
• 0:44
  then,
• 0:45
  like
• 0:45
  most
• 0:45
  of
• 0:45
  us,
• 0:45
  life
• 0:46
  hits.
• 0:46
  You
• 0:47
  know
• 0:47
  what
• 0:47
  I'm
• 0:47
  talking
• 0:47
  about.
• 0:48
  A
• 0:48
  busy
• 0:48
  week
• 0:48
  and
• 0:49
  extra
• 0:49
  coffee.
• 0:50
  Run
• 0:50
  a
• 0:50
  bill
• 0:51
  you
• 0:51
  swear
• 0:51
  wasn't
• 0:52
  in
• 0:52
  the
• 0:52
  mail
• 0:52
  pile
• 0:53
  just
• 0:53
  last
• 0:53
  month
• 0:54
  and
• 0:55
  before
• 0:55
  you
• 0:55
  know
• 0:55
  it,
• 0:55
  a
• 0:56
  budget
• 0:56
  that
• 0:56
  you
• 0:56
  were
• 0:57
  so
• 0:57
  proud
• 0:57
  of.
• 0:57
  Yeah.
• 0:58
  It's
• 0:58
  in
• 0:58
  shambles
• 0:59
  and
• 1:00
  you're
• 1:00
  left
• 1:00
  thinking,
• 1:01
  why
• 1:01
  do
• 1:01
  I
• 1:01
  even
• 1:02
  bother?
• 1:03
  Listen,
• 1:03
  what
• 1:03
  if
• 1:04
  I
• 1:04
  told
• 1:04
  you
• 1:04
  sticking
• 1:05
  to
• 1:05
  your
• 1:05
  budget
• 1:05
  isn't
• 1:06
  about
• 1:06
  being
• 1:06
  perfect?
• 1:07
  And
• 1:08
  what
• 1:08
  if
• 1:08
  the
• 1:08
  real
• 1:08
  breakthrough
• 1:09
  is
• 1:09
  learning
• 1:09
  how
• 1:09
  to
• 1:10
  get
• 1:10
  back
• 1:10
  on
• 1:10
  track
• 1:10
  when
• 1:11
  life
• 1:11
  knocks
• 1:11
  you
• 1:11
  off?
• 1:12
  Well,
• 1:12
  stick
• 1:13
  with
• 1:13
  me
• 1:13
  today
• 1:13
  because
• 1:13
  we're
• 1:14
  going
• 1:14
  to
• 1:14
  unpack
• 1:14
  that
• 1:15
  on
• 1:15
  today's
• 1:15
  show.
• 1:17
  This
• 1:17
  is
• 1:18
  Financially
• 1:18
  Confident
• 1:19
  Christian,
• 1:19
  your
• 1:20
  daily
• 1:20
  dose
• 1:20
  of
• 1:20
  gospel,
• 1:21
  grounded
• 1:21
  insight
• 1:22
  and
• 1:22
  faith
• 1:22
  driven
• 1:23
  tips
• 1:23
  to
• 1:23
  help
• 1:24
  you
• 1:24
  break
• 1:24
  the
• 1:24
  cycle
• 1:24
  of
• 1:25
  financial
• 1:25
  shame
• 1:25
  with
• 1:26
  confidence.
• 1:28
  Hey
• 1:29
  there.
• 1:29
  Welcome
• 1:29
  back
• 1:29
  to
• 1:29
  your
• 1:30
  daily
• 1:30
  Financially
• 1:30
  Confident
• 1:31
  Christian.
• 1:31
  I'm
• 1:31
  Ralph.
• 1:32
  I'm
• 1:32
  here
• 1:32
  to
• 1:32
  walk
• 1:32
  with
• 1:33
  you.
• 1:33
  I'm
• 1:33
  here
• 1:33
  to
• 1:33
  encourage
• 1:34
  you.
• 1:34
  And
• 1:35
  yes,
• 1:35
  I'm
• 1:35
  here
• 1:35
  to
• 1:35
  help
• 1:35
  you
• 1:36
  break
• 1:36
  the
• 1:36
  chains
• 1:36
  of
• 1:37
  money
• 1:37
  stress.
• 1:38
  And
• 1:38
  we're
• 1:38
  continuing
• 1:39
  our
• 1:39
  series
• 1:39
  Breaking
• 1:40
  Financial
• 1:40
  Chains.
• 1:41
  Now,
• 1:41
  if
• 1:41
  you
• 1:41
  missed
• 1:41
  yesterday's
• 1:42
  show,
• 1:42
  we
• 1:42
  talked
• 1:43
  about
• 1:43
  shifting
• 1:43
  budgeting
• 1:44
  from
• 1:44
  a
• 1:44
  picture
• 1:44
  of
• 1:45
  restriction.
• 1:45
  You
• 1:46
  know
• 1:46
  that
• 1:46
  thing
• 1:46
  like
• 1:46
  you
• 1:46
  can't
• 1:47
  do
• 1:47
  this
• 1:47
  and
• 1:47
  you
• 1:47
  can't
• 1:47
  do
• 1:47
  that.
• 1:48
  We
• 1:49
  threw
• 1:49
  that
• 1:49
  out
• 1:49
  the
• 1:49
  door
• 1:50
  and
• 1:50
  we
• 1:50
  shifted
• 1:51
  it
• 1:51
  to
• 1:51
  a
• 1:52
  path
• 1:52
  towards
• 1:52
  real
• 1:52
  freedom.
• 1:53
  So
• 1:53
  if
• 1:53
  you
• 1:53
  missed
• 1:53
  the
• 1:53
  show,
• 1:54
  I'm
• 1:54
  going
• 1:54
  to
• 1:54
  encourage
• 1:55
  you
• 1:55
  to
• 1:55
  check
• 1:55
  it
• 1:55
  out.
• 1:55
  You
• 1:55
  can
• 1:55
  find
• 1:56
  all
• 1:56
  of
• 1:56
  our
• 1:56
  episodes
• 1:57
  at
• 1:57
  Financially
• 1:58
  Confident
• 1:59
  christian
• 1:59
  dot
• 1:59
  com.
• 2:00
  Well,
• 2:00
  today
• 2:00
  we're
• 2:01
  going
• 2:01
  to
• 2:01
  dig
• 2:01
  into
• 2:01
  that
• 2:02
  frustration
• 2:02
  that
• 2:03
  so
• 2:03
  many
• 2:03
  of
• 2:03
  us
• 2:03
  feel
• 2:04
  if
• 2:04
  we're
• 2:04
  being
• 2:04
  honest
• 2:04
  with
• 2:05
  ourself.
• 2:05
  That
• 2:06
  moment
• 2:06
  when
• 2:06
  you
• 2:06
  throw
• 2:07
  your
• 2:07
  hands
• 2:07
  in
• 2:07
  the
• 2:07
  air
• 2:07
  and
• 2:08
  say,
• 2:08
  forget
• 2:08
  it,
• 2:08
  I
• 2:09
  can't
• 2:09
  stick
• 2:09
  to
• 2:09
  this
• 2:10
  thing
• 2:10
  anyway.
• 2:11
  Sound
• 2:11
  familiar
• 2:12
  to
• 2:12
  you?
• 2:12
  Let
• 2:13
  me
• 2:13
  just
• 2:13
  tell
• 2:13
  you,
• 2:13
  I've
• 2:13
  been
• 2:13
  there
• 2:14
  and
• 2:14
  only.
• 2:14
  Oh,
• 2:15
  have
• 2:15
  I
• 2:15
  been
• 2:16
  there.
• 2:16
  Years
• 2:17
  ago,
• 2:17
  I
• 2:17
  thought
• 2:17
  I
• 2:18
  had
• 2:18
  the
• 2:18
  perfect
• 2:18
  budget.
• 2:19
  I'm
• 2:19
  talking
• 2:19
  about
• 2:20
  color
• 2:20
  coded,
• 2:21
  neatly
• 2:21
  organized.
• 2:22
  I
• 2:22
  was
• 2:22
  really
• 2:22
  proud
• 2:23
  of
• 2:23
  this
• 2:23
  thing.
• 2:24
  But
• 2:24
  two
• 2:24
  weeks
• 2:24
  into
• 2:25
  it,
• 2:25
  bam.
• 2:25
  My
• 2:26
  car
• 2:26
  needed
• 2:26
  new
• 2:27
  tires.
• 2:28
  Now,
• 2:28
  looking
• 2:28
  at
• 2:28
  my
• 2:28
  budget,
• 2:29
  I
• 2:29
  didn't
• 2:29
  have
• 2:29
  a
• 2:29
  car
• 2:30
  repairs
• 2:30
  line
• 2:31
  item
• 2:31
  in
• 2:31
  my
• 2:31
  budget.
• 2:33
  So
• 2:33
  I
• 2:33
  did
• 2:33
  what
• 2:33
  most
• 2:33
  of
• 2:34
  us
• 2:34
  do.
• 2:34
  I
• 2:34
  stole
• 2:34
  the
• 2:35
  money
• 2:35
  from
• 2:35
  that
• 2:35
  grocery
• 2:36
  line
• 2:36
  in
• 2:36
  the
• 2:36
  budget.
• 2:37
  But
• 2:38
  here's
• 2:38
  the
• 2:38
  thing.
• 2:39
  The
• 2:39
  minute
• 2:39
  I
• 2:39
  broke
• 2:40
  that
• 2:40
  plan
• 2:40
  once,
• 2:41
  it
• 2:41
  was
• 2:41
  so
• 2:41
  much
• 2:41
  easier
• 2:42
  to
• 2:42
  do
• 2:42
  it
• 2:42
  again
• 2:43
  and
• 2:43
  again
• 2:44
  and
• 2:44
  again.
• 2:44
  Yes,
• 2:45
  that
• 2:45
  budget
• 2:45
  I
• 2:46
  had
• 2:46
  planned
• 2:46
  so
• 2:46
  hard
• 2:46
  and
• 2:47
  built
• 2:47
  and
• 2:47
  color
• 2:47
  coded
• 2:48
  was
• 2:48
  just
• 2:49
  a
• 2:49
  ghost.
• 2:49
  It
• 2:49
  was
• 2:50
  a
• 2:50
  shell
• 2:50
  of
• 2:50
  its
• 2:50
  former
• 2:51
  self.
• 2:52
  Maybe
• 2:52
  Right
• 2:53
  now,
• 2:53
  as
• 2:53
  you're
• 2:53
  listening,
• 2:53
  you're
• 2:54
  nodding
• 2:54
  along
• 2:54
  right
• 2:55
  now
• 2:55
  because
• 2:55
  you've
• 2:55
  done
• 2:56
  the
• 2:56
  same
• 2:56
  thing,
• 2:57
  maybe
• 2:58
  even
• 2:58
  told
• 2:58
  yourself,
• 2:58
  I'm
• 2:59
  just
• 2:59
  not
• 2:59
  good
• 2:59
  at
• 2:59
  this,
• 3:00
  Ralph.
• 3:00
  Budgeting
• 3:00
  isn't
• 3:01
  for
• 3:01
  me,
• 3:01
  Ralph.
• 3:02
  But
• 3:03
  here's
• 3:03
  the
• 3:03
  truth,
• 3:03
  and
• 3:03
  I
• 3:04
  want
• 3:04
  you
• 3:04
  to
• 3:04
  hear
• 3:04
  this
• 3:04
  today.
• 3:04
  It's
• 3:05
  not
• 3:05
  about
• 3:05
  you
• 3:05
  being
• 3:06
  good
• 3:06
  or
• 3:07
  bad
• 3:07
  at
• 3:07
  it.
• 3:08
  It's
• 3:08
  not
• 3:08
  at
• 3:09
  all
• 3:09
  about
• 3:09
  that.
• 3:10
  It's
• 3:10
  about
• 3:10
  having
• 3:11
  a
• 3:11
  rhythm
• 3:11
  that
• 3:11
  works
• 3:12
  for
• 3:12
  real
• 3:12
  life.
• 3:13
  Hey,
• 3:14
  we
• 3:14
  live
• 3:14
  in
• 3:14
  real
• 3:14
  life
• 3:14
  with
• 3:15
  real
• 3:15
  surprises.
• 3:17
  And
• 3:17
  here's
• 3:17
  the
• 3:17
  thing,
• 3:18
  giving
• 3:18
  yourself
• 3:19
  grace
• 3:20
  when
• 3:20
  things
• 3:21
  go
• 3:21
  sideways,
• 3:21
  because
• 3:22
  here's
• 3:22
  a
• 3:22
  truism
• 3:22
  of
• 3:23
  life,
• 3:24
  things
• 3:24
  are
• 3:24
  going
• 3:24
  to
• 3:24
  go
• 3:24
  sideways.
• 3:26
  And
• 3:26
  let
• 3:26
  me
• 3:27
  just
• 3:27
  say
• 3:27
  this.
• 3:28
  If
• 3:28
  you
• 3:29
  failed
• 3:29
  at
• 3:29
  a
• 3:29
  budget
• 3:29
  before,
• 3:30
  you
• 3:30
  are
• 3:30
  in
• 3:30
  good
• 3:31
  company.
• 3:31
  I've
• 3:31
  been
• 3:31
  right
• 3:32
  there
• 3:32
  with
• 3:32
  you.
• 3:32
  Hey,
• 3:32
  I
• 3:32
  get
• 3:33
  paid
• 3:33
  to
• 3:33
  do
• 3:33
  this
• 3:33
  is
• 3:33
  what
• 3:33
  I
• 3:34
  been
• 3:34
  doing
• 3:34
  for
• 3:34
  30
• 3:35
  years.
• 3:36
  So
• 3:37
  today,
• 3:37
  I'm
• 3:37
  not
• 3:37
  here
• 3:37
  to
• 3:37
  shame
• 3:38
  you.
• 3:39
  I'm
• 3:39
  here
• 3:39
  to
• 3:39
  help
• 3:39
  you
• 3:40
  stop
• 3:40
  beating
• 3:40
  yourself
• 3:41
  up
• 3:41
  and
• 3:41
  start
• 3:41
  planning
• 3:42
  a
• 3:42
  plan
• 3:42
  that's
• 3:43
  actually
• 3:43
  livable.
• 3:45
  Because
• 3:45
  here's
• 3:45
  the
• 3:45
  thing
• 3:45
  I
• 3:46
  want
• 3:46
  you
• 3:46
  to
• 3:46
  hear,
• 3:46
  and
• 3:46
  I
• 3:46
  want
• 3:47
  you
• 3:47
  to
• 3:47
  hear
• 3:47
  this
• 3:47
  loud
• 3:47
  and
• 3:48
  clear.
• 3:48
  A
• 3:48
  budget
• 3:48
  isn't
• 3:49
  a
• 3:49
  prison.
• 3:50
  It's
• 3:50
  a
• 3:50
  tool.
• 3:51
  And
• 3:51
  here's
• 3:51
  the
• 3:51
  thing
• 3:52
  about
• 3:52
  a
• 3:52
  tool.
• 3:53
  Anybody
• 3:53
  in
• 3:53
  the
• 3:53
  trades
• 3:54
  will
• 3:54
  tell
• 3:54
  you
• 3:54
  this.
• 3:55
  A
• 3:55
  tool
• 3:56
  doesn't
• 3:56
  work
• 3:56
  unless
• 3:57
  you
• 3:57
  pick
• 3:57
  it
• 3:57
  up
• 3:57
  regularly,
• 3:58
  not
• 3:59
  just
• 3:59
  on
• 3:59
  the
• 3:59
  first
• 4:00
  of
• 4:00
  the
• 4:00
  month.
• 4:01
  Well,
• 4:01
  let's
• 4:01
  get
• 4:01
  right
• 4:01
  into
• 4:02
  the
• 4:02
  Bible.
• 4:02
  Let's
• 4:02
  get
• 4:02
  some
• 4:03
  reassurance
• 4:03
  from
• 4:04
  the
• 4:04
  Bible
• 4:04
  today.
• 4:05
  And
• 4:05
  let's
• 4:05
  go
• 4:05
  right
• 4:05
  to
• 4:06
  Galatians,
• 4:06
  chapter
• 4:07
  6,
• 4:07
  verse
• 4:08
  9.
• 4:08
  It
• 4:08
  says
• 4:08
  this.
• 4:09
  Let
• 4:09
  us
• 4:10
  not
• 4:10
  become
• 4:10
  weary
• 4:10
  in
• 4:11
  doing
• 4:11
  good,
• 4:12
  for
• 4:12
  at
• 4:12
  the
• 4:12
  proper
• 4:13
  time,
• 4:13
  we
• 4:14
  will
• 4:14
  reap
• 4:14
  a
• 4:14
  harvest
• 4:15
  in
• 4:15
  if
• 4:15
  we
• 4:16
  do
• 4:16
  not
• 4:16
  give
• 4:17
  up.
• 4:17
  See,
• 4:18
  that's
• 4:18
  budgeting
• 4:18
  in
• 4:19
  a
• 4:19
  nutshell.
• 4:19
  That
• 4:19
  is
• 4:19
  the
• 4:19
  encapsulation
• 4:20
  of
• 4:21
  what
• 4:21
  budgeting
• 4:21
  is.
• 4:22
  It's
• 4:22
  about
• 4:22
  showing
• 4:22
  up
• 4:23
  again
• 4:23
  and
• 4:23
  again
• 4:24
  and
• 4:24
  not
• 4:24
  giving
• 4:24
  up
• 4:25
  when
• 4:25
  you
• 4:25
  miss
• 4:25
  a
• 4:25
  step.
• 4:25
  Because
• 4:26
  here's
• 4:26
  a
• 4:26
  truth,
• 4:27
  you're
• 4:27
  going
• 4:27
  to
• 4:28
  miss
• 4:28
  a
• 4:28
  step.
• 4:29
  Let's
• 4:29
  look
• 4:29
  at
• 4:30
  the
• 4:30
  book
• 4:30
  of
• 4:30
  Luke.
• 4:30
  Chapter
• 4:31
  16
• 4:32
  reminds
• 4:33
  us
• 4:33
  this.
• 4:34
  This
• 4:34
  is
• 4:34
  Luke,
• 4:35
  chapter
• 4:35
  16,
• 4:36
  verse
• 4:36
  10.
• 4:37
  Whoever
• 4:38
  can
• 4:38
  be
• 4:38
  trusted
• 4:39
  with
• 4:39
  very
• 4:39
  little
• 4:40
  can
• 4:40
  also
• 4:40
  be
• 4:41
  trusted
• 4:41
  with
• 4:41
  much.
• 4:42
  See,
• 4:42
  budgeting
• 4:43
  is
• 4:43
  almost
• 4:44
  like
• 4:44
  this.
• 4:44
  Every
• 4:45
  small
• 4:45
  daily
• 4:46
  choice
• 4:46
  counts
• 4:47
  to
• 4:47
  that
• 4:47
  budget
• 4:48
  goal.
• 4:48
  And
• 4:49
  you
• 4:49
  may
• 4:49
  not
• 4:49
  feel
• 4:49
  it
• 4:50
  in
• 4:50
  that
• 4:50
  moment,
• 4:51
  but
• 4:51
  God
• 4:52
  sees
• 4:52
  your
• 4:52
  faithfulness.
• 4:53
  See,
• 4:54
  in
• 4:54
  the
• 4:54
  end,
• 4:54
  it's
• 4:54
  all
• 4:55
  about
• 4:55
  consistency.
• 4:56
  It's
• 4:56
  about
• 4:56
  consistency
• 4:57
  even
• 4:57
  more
• 4:58
  than
• 4:58
  perfection.
• 4:59
  And
• 4:59
  when
• 4:59
  you
• 5:00
  do
• 5:00
  this,
• 5:00
  it
• 5:01
  leads
• 5:01
  to
• 5:01
  peace.
• 5:02
  So
• 5:03
  I
• 5:03
  got
• 5:03
  to
• 5:03
  tell
• 5:03
  you,
• 5:03
  here's
• 5:03
  the
• 5:03
  breakthrough
• 5:04
  moment
• 5:04
  that
• 5:04
  I
• 5:04
  want
• 5:04
  you
• 5:05
  to
• 5:05
  hear
• 5:05
  loud
• 5:05
  and
• 5:05
  clear.
• 5:06
  Your
• 5:07
  goal
• 5:07
  is
• 5:07
  not
• 5:07
  to
• 5:08
  have
• 5:08
  a
• 5:08
  flawless
• 5:08
  Month.
• 5:09
  If
• 5:09
  expecting
• 5:09
  that,
• 5:10
  you're
• 5:10
  going
• 5:10
  to
• 5:10
  be
• 5:11
  disappointed.
• 5:11
  It's
• 5:12
  not
• 5:12
  about
• 5:12
  flawlessness.
• 5:13
  But
• 5:14
  here's
• 5:14
  your
• 5:14
  true
• 5:14
  goal.
• 5:15
  Your
• 5:15
  goal
• 5:15
  is
• 5:16
  to
• 5:16
  bounce
• 5:16
  back
• 5:17
  fast
• 5:18
  when
• 5:18
  life
• 5:18
  throws
• 5:18
  you
• 5:19
  off.
• 5:20
  Because
• 5:20
  here's
• 5:20
  the
• 5:20
  truth.
• 5:21
  You
• 5:21
  will
• 5:21
  overspend.
• 5:22
  Sometimes
• 5:23
  you
• 5:23
  will
• 5:23
  forget
• 5:24
  to
• 5:24
  track
• 5:24
  an
• 5:24
  expense,
• 5:25
  and
• 5:26
  you
• 5:26
  will
• 5:26
  have
• 5:27
  unexpected
• 5:28
  expenses.
• 5:28
  That's
• 5:29
  just
• 5:29
  a
• 5:29
  fact
• 5:29
  of
• 5:30
  life.
• 5:31
  But
• 5:31
  that
• 5:31
  doesn't
• 5:31
  make
• 5:32
  you
• 5:32
  a
• 5:32
  failure.
• 5:33
  It
• 5:33
  doesn't
• 5:34
  mean
• 5:34
  that
• 5:34
  you've
• 5:34
  broken
• 5:35
  your
• 5:35
  budget.
• 5:35
  What
• 5:35
  that
• 5:36
  does
• 5:36
  is
• 5:36
  it
• 5:36
  makes
• 5:36
  you
• 5:36
  human.
• 5:38
  So
• 5:38
  here's
• 5:38
  what
• 5:38
  I
• 5:38
  want
• 5:38
  you
• 5:38
  to
• 5:39
  do
• 5:39
  this
• 5:39
  week.
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:40
  really
• 5:40
  go
• 5:40
  and
• 5:41
  find
• 5:41
  a
• 5:41
  way
• 5:41
  to
• 5:42
  get
• 5:42
  past
• 5:42
  this.
• 5:42
  I
• 5:42
  want
• 5:43
  you
• 5:43
  to
• 5:43
  pick
• 5:43
  a
• 5:43
  weekly
• 5:44
  budget
• 5:44
  check
• 5:44
  and
• 5:44
  just
• 5:45
  find
• 5:45
  15
• 5:45
  minutes
• 5:46
  in
• 5:46
  your
• 5:46
  calendar.
• 5:46
  I'm
• 5:47
  going
• 5:47
  to
• 5:47
  recommend
• 5:47
  that
• 5:47
  you
• 5:48
  do
• 5:48
  it
• 5:48
  the
• 5:48
  same
• 5:48
  day,
• 5:49
  the
• 5:49
  same
• 5:49
  time
• 5:49
  every
• 5:50
  week.
• 5:50
  Just
• 5:50
  write
• 5:50
  it
• 5:50
  down.
• 5:51
  Set
• 5:51
  that
• 5:51
  reminder.
• 5:52
  That
• 5:52
  is
• 5:52
  a
• 5:53
  appointment
• 5:53
  you
• 5:53
  do
• 5:54
  not
• 5:54
  miss.
• 5:55
  And
• 5:55
  here's
• 5:55
  another
• 5:55
  thing
• 5:56
  I
• 5:56
  want
• 5:56
  you
• 5:56
  to
• 5:56
  do.
• 5:56
  I
• 5:56
  want
• 5:56
  you
• 5:57
  to
• 5:57
  aim
• 5:57
  for
• 5:57
  80%,
• 5:58
  not
• 5:58
  100%.
• 5:59
  I
• 5:59
  don't.
• 5:59
  It's
• 5:59
  not
• 6:00
  about
• 6:00
  perfection.
• 6:01
  You
• 6:01
  heard
• 6:01
  me.
• 6:02
  Stop
• 6:02
  aiming
• 6:03
  to
• 6:03
  be
• 6:03
  perfect.
• 6:04
  Because
• 6:04
  here's
• 6:05
  what
• 6:05
  perfect
• 6:05
  does.
• 6:06
  Perfect
• 6:06
  makes
• 6:07
  you
• 6:07
  quit.
• 6:08
  But
• 6:08
  80%,
• 6:09
  hey,
• 6:09
  that'll
• 6:09
  keep
• 6:10
  you
• 6:10
  in
• 6:10
  the
• 6:10
  game.
• 6:11
  And
• 6:11
  here's
• 6:11
  a
• 6:12
  big
• 6:12
  secret.
• 6:12
  You
• 6:12
  gotta
• 6:13
  find
• 6:13
  your
• 6:13
  drift
• 6:13
  triggers.
• 6:15
  Ask
• 6:15
  yourself
• 6:15
  this.
• 6:16
  When
• 6:16
  do
• 6:16
  I
• 6:16
  usually
• 6:17
  blow
• 6:17
  my
• 6:17
  budget?
• 6:18
  This
• 6:18
  is
• 6:19
  the
• 6:19
  thing
• 6:19
  that
• 6:19
  will
• 6:19
  really
• 6:19
  help
• 6:20
  you
• 6:20
  get
• 6:20
  past
• 6:20
  this
• 6:21
  feeling
• 6:21
  like
• 6:21
  you
• 6:21
  can't
• 6:22
  stay
• 6:22
  on
• 6:22
  it.
• 6:23
  Ask
• 6:23
  yourself,
• 6:23
  is
• 6:24
  it
• 6:24
  stress?
• 6:25
  Is
• 6:25
  it
• 6:25
  the
• 6:25
  stress
• 6:26
  of
• 6:26
  the
• 6:26
  day?
• 6:26
  And
• 6:26
  I'm
• 6:26
  just
• 6:26
  gonna
• 6:27
  go
• 6:27
  and
• 6:27
  order
• 6:27
  that
• 6:28
  takeout
• 6:28
  or
• 6:28
  I'm
• 6:28
  gonna
• 6:29
  go
• 6:29
  do
• 6:29
  some
• 6:29
  impulse
• 6:30
  shopping.
• 6:31
  For
• 6:31
  so
• 6:31
  many
• 6:32
  of
• 6:32
  us,
• 6:32
  it's
• 6:32
  boredom.
• 6:33
  I'm
• 6:33
  just
• 6:34
  bored.
• 6:34
  I'm
• 6:34
  looking
• 6:34
  for
• 6:34
  something
• 6:35
  to
• 6:35
  do,
• 6:35
  so
• 6:35
  I
• 6:35
  get
• 6:35
  into
• 6:35
  that
• 6:36
  scrolling.
• 6:37
  Or
• 6:37
  maybe
• 6:37
  it's
• 6:38
  that
• 6:38
  invite
• 6:38
  to
• 6:38
  dinner.
• 6:39
  Well,
• 6:39
  here's
• 6:39
  what
• 6:40
  I
• 6:40
  want
• 6:40
  you
• 6:40
  to
• 6:40
  do
• 6:40
  for
• 6:40
  this
• 6:40
  week.
• 6:40
  Just
• 6:41
  plan
• 6:41
  ahead.
• 6:41
  For
• 6:41
  just
• 6:42
  one
• 6:42
  of
• 6:42
  these
• 6:42
  triggers
• 6:43
  this
• 6:43
  week,
• 6:43
  plan
• 6:44
  ahead.
• 6:44
  If
• 6:45
  you
• 6:45
  feel
• 6:45
  stress,
• 6:46
  if
• 6:46
  you
• 6:46
  feel
• 6:47
  that
• 6:47
  boredom,
• 6:47
  or
• 6:47
  if
• 6:47
  you
• 6:48
  get
• 6:48
  that
• 6:48
  invite
• 6:48
  to
• 6:48
  dinner,
• 6:49
  you're
• 6:49
  going
• 6:49
  to
• 6:49
  know
• 6:50
  how
• 6:50
  to
• 6:50
  respond
• 6:50
  to
• 6:51
  it.
• 6:51
  And
• 6:52
  here's
• 6:52
  another
• 6:52
  big
• 6:53
  thing
• 6:53
  that
• 6:53
  you
• 6:53
  got
• 6:54
  to
• 6:54
  do,
• 6:54
  and
• 6:54
  that's
• 6:54
  track
• 6:55
  daily.
• 6:55
  Just
• 6:55
  make
• 6:56
  it
• 6:56
  simple.
• 6:56
  You
• 6:56
  don't
• 6:57
  have
• 6:57
  to
• 6:57
  go
• 6:57
  crazy
• 6:57
  with
• 6:58
  this.
• 6:58
  Maybe
• 6:58
  an
• 6:58
  app,
• 6:58
  a
• 6:59
  notebook,
• 6:59
  a
• 6:59
  spreadsheet.
• 7:00
  Doesn't
• 7:00
  matter.
• 7:01
  Pick
• 7:02
  one
• 7:02
  you'll
• 7:02
  actually
• 7:02
  use
• 7:03
  and
• 7:03
  start
• 7:03
  writing
• 7:04
  down
• 7:04
  where
• 7:05
  your
• 7:05
  money's
• 7:05
  going.
• 7:07
  Because
• 7:07
  all
• 7:07
  these
• 7:08
  things
• 7:08
  will
• 7:08
  keep
• 7:08
  you
• 7:09
  moving.
• 7:09
  And
• 7:10
  it'll
• 7:10
  teach
• 7:10
  you
• 7:10
  that
• 7:10
  one
• 7:11
  bad
• 7:11
  week
• 7:11
  isn't
• 7:11
  the
• 7:12
  end.
• 7:12
  It's
• 7:12
  just
• 7:12
  a
• 7:13
  bump
• 7:13
  in
• 7:13
  the
• 7:13
  road.
• 7:14
  And
• 7:14
  over
• 7:15
  time,
• 7:15
  you're
• 7:15
  going
• 7:15
  to
• 7:15
  Build
• 7:16
  a
• 7:16
  rhythm
• 7:16
  that
• 7:16
  will
• 7:16
  build
• 7:17
  your
• 7:17
  confidence
• 7:17
  and
• 7:18
  take
• 7:18
  the
• 7:18
  fear
• 7:19
  out
• 7:19
  of
• 7:19
  managing
• 7:20
  money.
• 7:20
  Why
• 7:21
  about
• 7:21
  we
• 7:21
  pray
• 7:21
  together,
• 7:22
  Father?
• 7:22
  God,
• 7:23
  I
• 7:23
  just
• 7:23
  thank
• 7:23
  you
• 7:24
  for
• 7:24
  the
• 7:24
  grace
• 7:24
  when
• 7:24
  we
• 7:25
  mess
• 7:25
  up.
• 7:25
  And
• 7:25
  Lord,
• 7:25
  we
• 7:26
  know
• 7:26
  we
• 7:26
  are
• 7:26
  going
• 7:26
  to
• 7:26
  mess
• 7:26
  up.
• 7:27
  You
• 7:28
  see
• 7:28
  our
• 7:28
  effort,
• 7:28
  Lord,
• 7:29
  even
• 7:29
  when
• 7:29
  we
• 7:29
  don't
• 7:30
  see
• 7:30
  our
• 7:30
  own
• 7:30
  progress.
• 7:32
  Help
• 7:32
  us
• 7:32
  to
• 7:32
  show
• 7:32
  up
• 7:33
  again
• 7:33
  and
• 7:33
  again
• 7:34
  after
• 7:34
  those
• 7:34
  slips,
• 7:35
  Lord.
• 7:35
  Help
• 7:35
  us
• 7:35
  to
• 7:35
  build
• 7:36
  habits
• 7:36
  that
• 7:36
  last.
• 7:37
  Help
• 7:38
  us
• 7:38
  to
• 7:38
  trust
• 7:38
  that
• 7:38
  you're
• 7:39
  shaping
• 7:39
  us
• 7:39
  into
• 7:39
  faithful
• 7:40
  stewards
• 7:40
  of
• 7:40
  all
• 7:41
  you've
• 7:41
  given.
• 7:42
  And
• 7:42
  we
• 7:42
  ask
• 7:43
  this
• 7:43
  in
• 7:43
  true
• 7:43
  confidence.
• 7:44
  In
• 7:44
  Jesus
• 7:45
  name,
• 7:45
  Amen.
• 7:46
  Listen
• 7:47
  friend,
• 7:48
  don't
• 7:48
  quit
• 7:49
  just
• 7:49
  because
• 7:49
  it's
• 7:49
  hard.
• 7:50
  You're
• 7:51
  not
• 7:51
  failing.
• 7:52
  I
• 7:52
  want
• 7:52
  to
• 7:52
  say
• 7:52
  that
• 7:53
  again.
• 7:53
  Don't
• 7:53
  quit
• 7:54
  just
• 7:54
  because
• 7:54
  it's
• 7:54
  hard.
• 7:55
  You're
• 7:55
  not
• 7:55
  failing.
• 7:55
  You're
• 7:56
  learning.
• 7:57
  So
• 7:57
  today,
• 7:57
  go
• 7:58
  schedule
• 7:58
  that
• 7:58
  check
• 7:58
  in
• 7:59
  and
• 7:59
  just
• 7:59
  take
• 7:59
  one
• 8:00
  small
• 8:00
  step
• 8:00
  that
• 8:01
  that
• 8:01
  can
• 8:01
  change
• 8:01
  everything.
• 8:02
  And
• 8:02
  don't
• 8:02
  forget
• 8:02
  this.
• 8:03
  I
• 8:03
  want
• 8:03
  to
• 8:03
  give
• 8:03
  you
• 8:03
  a
• 8:04
  free
• 8:04
  copy
• 8:04
  of
• 8:04
  my
• 8:04
  book.
• 8:04
  It's
• 8:05
  called
• 8:05
  how
• 8:05
  to
• 8:05
  Become
• 8:05
  a
• 8:06
  Financially
• 8:06
  Confident
• 8:07
  Christian.
• 8:07
  I'm
• 8:07
  going
• 8:07
  to
• 8:07
  give
• 8:08
  it
• 8:08
  to
• 8:08
  you
• 8:08
  for
• 8:08
  free.
• 8:08
  Just
• 8:09
  go
• 8:09
  to
• 8:09
  financiallyconfidentchristian.com
• 8:12
  becoming
• 8:13
  again,
• 8:13
  that's
• 8:14
  financiallyconfidentchristian.com
• 8:16
  Becoming.
• 8:17
  And
• 8:17
  you
• 8:17
  can
• 8:18
  get
• 8:18
  a
• 8:18
  free
• 8:18
  copy
• 8:18
  of
• 8:18
  my
• 8:19
  book,
• 8:19
  how
• 8:19
  to
• 8:19
  Become
• 8:20
  a
• 8:20
  Financially
• 8:20
  Confident
• 8:21
  Christian.
• 8:21
  I
• 8:21
  encourage
• 8:21
  you
• 8:22
  to
• 8:22
  do
• 8:22
  that.
• 8:22
  Now,
• 8:23
  tomorrow
• 8:23
  on
• 8:23
  the
• 8:23
  show,
• 8:24
  we're
• 8:24
  going
• 8:24
  to
• 8:24
  be
• 8:24
  talking
• 8:24
  about
• 8:25
  impulse
• 8:25
  buys.
• 8:26
  Yeah,
• 8:26
  one
• 8:26
  of
• 8:26
  the
• 8:26
  things
• 8:26
  that
• 8:27
  breaks
• 8:27
  a
• 8:27
  lot
• 8:27
  of
• 8:27
  people's
• 8:28
  budgets
• 8:28
  are
• 8:29
  those
• 8:29
  impulse
• 8:29
  buys.
• 8:30
  So
• 8:30
  tomorrow
• 8:30
  we're
• 8:30
  going
• 8:30
  to
• 8:30
  talk
• 8:31
  about
• 8:31
  that
• 8:31
  Buy
• 8:31
  now,
• 8:32
  regret
• 8:32
  later
• 8:32
  cycle,
• 8:33
  cycle.
• 8:33
  So
• 8:34
  today,
• 8:34
  here's
• 8:34
  my
• 8:34
  encouragement
• 8:35
  for
• 8:35
  you.
• 8:36
  Let's
• 8:36
  all
• 8:36
  go
• 8:36
  out
• 8:36
  there
• 8:37
  and
• 8:37
  be
• 8:37
  financially
• 8:38
  confident
• 8:38
  Christians.
• 8:39
  I
• 8:39
  truly
• 8:40
  believe
• 8:40
  in
• 8:40
  you.
• 8:41
  Believe
• 8:41
  in
• 8:41
  yourself.
• 8:42
  God
• 8:42
  bless
• 8:42
  you.
• 8:43
  And
• 8:43
  you
• 8:43
  have
• 8:43
  a
• 8:43
  great
• 8:43
  day
• 8:44
  today.