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Can I Get a Car Loan With Bad Credit—and Should I? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:38
  not
• 0:38
  buying
• 0:38
  a
• 0:39
  car
• 0:39
  is
• 0:39
  keeping
• 0:39
  you
• 0:39
  broke?
• 0:40
  Yeah,
• 0:40
  you
• 0:40
  heard
• 0:41
  me
• 0:41
  right.
• 0:41
  I
• 0:41
  said
• 0:42
  it.
• 0:42
  What
• 0:42
  if
• 0:43
  not
• 0:43
  buying
• 0:43
  a
• 0:43
  car
• 0:44
  is
• 0:44
  keeping
• 0:44
  you
• 0:44
  broke?
• 0:45
  In
• 0:45
  this
• 0:45
  episode,
• 0:46
  I
• 0:46
  talk
• 0:46
  with
• 0:46
  someone
• 0:47
  spending.
• 0:47
  Ready
• 0:47
  for
• 0:48
  this?
• 0:48
  $800
• 0:49
  a
• 0:50
  month
• 0:50
  on
• 0:50
  Uber
• 0:50
  just
• 0:51
  to
• 0:51
  get
• 0:51
  to
• 0:51
  work.
• 0:52
  Now
• 0:52
  they're
• 0:52
  considering
• 0:53
  an
• 0:53
  $11,000
• 0:54
  used
• 0:54
  car
• 0:55
  loan
• 0:55
  with
• 0:55
  bad
• 0:55
  credit.
• 0:56
  Is
• 0:57
  that
• 0:57
  a
• 0:57
  bad
• 0:57
  idea
• 0:58
  or
• 0:58
  the
• 0:59
  one
• 0:59
  move
• 0:59
  that
• 0:59
  might
• 1:00
  actually
• 1:00
  get
• 1:00
  them
• 1:01
  ahead?
• 1:01
  That's
• 1:02
  what
• 1:02
  we're
• 1:02
  breaking
• 1:02
  down
• 1:02
  on
• 1:03
  today's
• 1:03
  show.
• 1:13
  So
• 1:13
  let's
• 1:13
  get
• 1:13
  right
• 1:13
  into
• 1:14
  today's
• 1:14
  listener
• 1:15
  question.
• 1:16
  Hey,
• 1:17
  I
• 1:17
  need
• 1:17
  your
• 1:17
  help
• 1:18
  because
• 1:18
  I'm
• 1:19
  honestly
• 1:19
  losing
• 1:19
  my
• 1:20
  mind
• 1:20
  here.
• 1:21
  So
• 1:21
  I'm
• 1:22
  blowing
• 1:22
  800
• 1:22
  bucks
• 1:23
  a
• 1:23
  month
• 1:23
  on
• 1:23
  Uber.
• 1:24
  800.
• 1:26
  I
• 1:27
  know,
• 1:27
  I
• 1:27
  know.
• 1:28
  Total
• 1:28
  nightmare,
• 1:28
  right?
• 1:29
  No
• 1:30
  decent
• 1:30
  public
• 1:30
  transportation
• 1:31
  where
• 1:31
  I
• 1:31
  live.
• 1:32
  I
• 1:32
  work
• 1:32
  nights.
• 1:33
  Can't
• 1:33
  exactly
• 1:33
  bike
• 1:34
  in
• 1:34
  the
• 1:34
  dark,
• 1:35
  and
• 1:35
  my
• 1:35
  old
• 1:35
  cars
• 1:36
  kept
• 1:36
  dying
• 1:36
  on
• 1:36
  me
• 1:36
  anyway,
• 1:37
  so
• 1:38
  I
• 1:38
  just
• 1:38
  gave
• 1:38
  up.
• 1:39
  Figured
• 1:39
  Uber
• 1:40
  was
• 1:40
  easier
• 1:40
  than
• 1:40
  dealing
• 1:41
  with
• 1:41
  another
• 1:41
  broken
• 1:41
  down
• 1:42
  Honda.
• 1:43
  But
• 1:43
  here's
• 1:43
  the
• 1:44
  thing.
• 1:44
  I
• 1:44
  make
• 1:45
  3,500amonth
• 1:46
  after
• 1:46
  taxes.
• 1:47
  Rent's
• 1:48
  550,
• 1:49
  which
• 1:49
  means
• 1:49
  I'm
• 1:50
  basically
• 1:50
  living
• 1:50
  paycheck
• 1:51
  to
• 1:51
  paycheck
• 1:51
  with
• 1:52
  literally
• 1:52
  zero
• 1:53
  savings.
• 1:54
  And
• 1:54
  every
• 1:54
  time
• 1:55
  I
• 1:55
  order
• 1:55
  an
• 1:55
  Uber
• 1:55
  at
• 1:56
  midnight,
• 1:56
  I.
• 1:56
  I'm
• 1:56
  just
• 1:57
  hemorrhaging
• 1:58
  money.
• 1:59
  It's
• 1:59
  stupid.
• 2:01
  So
• 2:01
  I've
• 2:01
  been
• 2:01
  thinking
• 2:02
  about
• 2:02
  taking
• 2:02
  out
• 2:02
  a
• 2:02
  loan
• 2:03
  for
• 2:03
  an
• 2:03
  $11,000
• 2:04
  used
• 2:04
  car.
• 2:05
  Yeah,
• 2:06
  my
• 2:06
  credit's
• 2:06
  not
• 2:07
  great,
• 2:07
  so
• 2:07
  the
• 2:07
  interest
• 2:08
  rates
• 2:08
  are
• 2:08
  probably
• 2:08
  going
• 2:08
  to
• 2:09
  be
• 2:09
  rough.
• 2:09
  But
• 2:10
  even
• 2:10
  If
• 2:10
  I'm
• 2:10
  paying
• 2:11
  500amonth
• 2:12
  on
• 2:12
  a
• 2:12
  loan,
• 2:12
  that's
• 2:13
  still
• 2:13
  way
• 2:13
  less
• 2:14
  than
• 2:14
  800
• 2:14
  on
• 2:14
  Uber,
• 2:15
  right?
• 2:16
  I
• 2:17
  know
• 2:17
  it
• 2:17
  sounds
• 2:17
  like
• 2:17
  a
• 2:18
  bad
• 2:18
  idea
• 2:18
  on
• 2:18
  paper,
• 2:19
  but
• 2:19
  I
• 2:19
  keep
• 2:20
  wondering,
• 2:20
  is
• 2:21
  this
• 2:21
  actually
• 2:21
  one
• 2:22
  of
• 2:22
  those
• 2:22
  situations
• 2:23
  where
• 2:23
  going
• 2:23
  into
• 2:23
  debt
• 2:24
  is
• 2:24
  the
• 2:24
  smarter
• 2:24
  move?
• 2:25
  Like,
• 2:26
  am
• 2:26
  I
• 2:26
  missing
• 2:26
  something
• 2:27
  here?
• 2:28
  Would
• 2:28
  love
• 2:28
  to
• 2:29
  hear
• 2:29
  your
• 2:29
  thoughts
• 2:29
  on
• 2:29
  this.
• 2:31
  What
• 2:31
  a
• 2:32
  great
• 2:32
  question.
• 2:33
  And
• 2:33
  this
• 2:33
  is
• 2:34
  one
• 2:34
  of
• 2:34
  those
• 2:34
  situations
• 2:35
  where
• 2:35
  the
• 2:35
  usual
• 2:36
  advice
• 2:36
  doesn't
• 2:36
  fully
• 2:37
  apply.
• 2:38
  Most
• 2:38
  advice
• 2:39
  says,
• 2:39
  avoid
• 2:40
  car
• 2:40
  loans
• 2:40
  with
• 2:40
  bad
• 2:41
  credit.
• 2:41
  I
• 2:41
  don't
• 2:41
  know
• 2:41
  how
• 2:42
  many
• 2:42
  times
• 2:42
  I've
• 2:42
  heard
• 2:42
  that.
• 2:43
  But,
• 2:44
  friend,
• 2:44
  you
• 2:44
  got
• 2:44
  a
• 2:44
  totally
• 2:45
  different
• 2:45
  situation.
• 2:46
  And
• 2:46
  you're
• 2:46
  right.
• 2:47
  I
• 2:47
  don't
• 2:47
  want
• 2:47
  to
• 2:47
  see
• 2:47
  you
• 2:47
  riding
• 2:48
  that
• 2:48
  bike
• 2:48
  after
• 2:48
  midnight.
• 2:50
  Most
• 2:50
  people
• 2:50
  aren't
• 2:51
  spending
• 2:51
  $800
• 2:52
  a
• 2:52
  month
• 2:52
  just
• 2:52
  to
• 2:53
  get
• 2:53
  to
• 2:53
  work.
• 2:53
  That
• 2:53
  is
• 2:53
  a
• 2:54
  big
• 2:54
  number.
• 2:55
  So
• 2:56
  let's
• 2:56
  get
• 2:56
  into
• 2:56
  today's
• 2:56
  big
• 2:57
  idea.
• 2:58
  You've
• 2:58
  got
• 2:58
  a
• 2:58
  situation
• 2:59
  you've
• 2:59
  already
• 3:00
  said
• 3:00
  is
• 3:00
  unsustainable.
• 3:02
  And
• 3:02
  the
• 3:03
  goal
• 3:03
  here
• 3:03
  isn't
• 3:03
  perfection,
• 3:04
  it's
• 3:04
  improvement.
• 3:05
  So
• 3:05
  how
• 3:05
  do
• 3:06
  we
• 3:06
  get
• 3:06
  there?
• 3:07
  We
• 3:07
  gotta
• 3:07
  start
• 3:08
  by
• 3:08
  acknowledging
• 3:09
  that
• 3:09
  your
• 3:09
  current
• 3:09
  situation
• 3:10
  is
• 3:10
  not
• 3:10
  sustainable.
• 3:11
  Let's
• 3:11
  be
• 3:11
  honest.
• 3:12
  $800
• 3:13
  on
• 3:13
  Uber,
• 3:15
  that's
• 3:15
  not
• 3:15
  just
• 3:15
  expensive.
• 3:17
  That's
• 3:17
  limiting
• 3:17
  your
• 3:18
  ability
• 3:18
  to
• 3:18
  move
• 3:18
  forward.
• 3:18
  Now,
• 3:19
  you
• 3:19
  said
• 3:19
  you
• 3:19
  were
• 3:19
  stupid.
• 3:20
  I'm
• 3:20
  not
• 3:20
  calling
• 3:20
  you
• 3:20
  stupid.
• 3:21
  I
• 3:21
  think
• 3:22
  you're
• 3:22
  making
• 3:22
  a
• 3:22
  decision
• 3:23
  based
• 3:23
  on
• 3:23
  what
• 3:23
  you
• 3:23
  have
• 3:24
  working
• 3:24
  for
• 3:24
  you
• 3:25
  right
• 3:25
  now.
• 3:26
  The
• 3:26
  good
• 3:26
  news
• 3:26
  is
• 3:27
  you're
• 3:27
  working
• 3:27
  hard,
• 3:28
  but
• 3:28
  a
• 3:29
  large
• 3:29
  portion
• 3:29
  of
• 3:29
  your
• 3:30
  income
• 3:30
  is
• 3:30
  going
• 3:30
  to
• 3:30
  transportation.
• 3:31
  That's
• 3:31
  a
• 3:32
  big
• 3:32
  number.
• 3:32
  So
• 3:32
  that's
• 3:32
  got
• 3:33
  to
• 3:33
  change.
• 3:33
  We
• 3:33
  got
• 3:33
  to
• 3:33
  figure
• 3:34
  out
• 3:34
  a
• 3:34
  path
• 3:34
  to
• 3:34
  change
• 3:35
  that.
• 3:36
  But
• 3:36
  you
• 3:36
  also
• 3:36
  have
• 3:37
  to
• 3:37
  understand
• 3:37
  the
• 3:37
  trade
• 3:38
  off
• 3:38
  of
• 3:38
  a
• 3:38
  car
• 3:38
  loan
• 3:39
  with
• 3:39
  bad
• 3:39
  credit.
• 3:39
  I'm
• 3:39
  going
• 3:39
  to
• 3:40
  give
• 3:40
  you
• 3:40
  a
• 3:40
  great
• 3:40
  example
• 3:40
  of
• 3:40
  this
• 3:40
  if
• 3:41
  you've
• 3:41
  listened
• 3:41
  to
• 3:41
  the
• 3:41
  show.
• 3:42
  I
• 3:42
  used
• 3:42
  to
• 3:42
  run
• 3:43
  a
• 3:43
  credit
• 3:43
  union.
• 3:44
  And
• 3:44
  this
• 3:44
  credit
• 3:44
  union,
• 3:45
  we
• 3:46
  had
• 3:46
  a
• 3:46
  limit
• 3:46
  that
• 3:46
  we
• 3:46
  could
• 3:47
  charge
• 3:47
  on
• 3:47
  interest
• 3:47
  rates.
• 3:48
  The
• 3:48
  most
• 3:48
  we
• 3:48
  could
• 3:48
  charge
• 3:49
  because
• 3:49
  we
• 3:49
  were
• 3:50
  federally
• 3:50
  insured
• 3:50
  was
• 3:51
  18%
• 3:51
  interest.
• 3:52
  At
• 3:52
  this
• 3:53
  one
• 3:53
  point,
• 3:53
  we
• 3:54
  ran
• 3:54
  a
• 3:54
  promotion.
• 3:55
  We
• 3:55
  were
• 3:55
  trying
• 3:55
  to
• 3:55
  get
• 3:56
  people
• 3:56
  to
• 3:56
  refinance
• 3:57
  their
• 3:57
  car
• 3:57
  loans.
• 3:57
  I'll
• 3:58
  never
• 3:58
  forget,
• 3:58
  I
• 3:58
  was
• 3:58
  sitting
• 3:58
  in
• 3:58
  my
• 3:58
  office
• 3:59
  one
• 3:59
  day
• 3:59
  and
• 4:00
  one
• 4:00
  of
• 4:00
  the
• 4:00
  loan
• 4:00
  officers
• 4:00
  came
• 4:01
  over
• 4:01
  and
• 4:01
  she
• 4:01
  says,
• 4:01
  ralph,
• 4:01
  she
• 4:02
  said,
• 4:02
  you're
• 4:02
  never
• 4:02
  going
• 4:02
  to
• 4:03
  believe
• 4:03
  this.
• 4:03
  She
• 4:04
  said,
• 4:04
  this
• 4:04
  particular
• 4:05
  person
• 4:05
  is
• 4:06
  paying
• 4:06
  65%
• 4:08
  interest
• 4:08
  on
• 4:08
  their
• 4:09
  car
• 4:09
  loan.
• 4:09
  I
• 4:09
  said,
• 4:10
  what
• 4:11
  65%
• 4:12
  interest?
• 4:13
  I
• 4:13
  said,
• 4:13
  that
• 4:13
  is
• 4:14
  highway
• 4:14
  robbery.
• 4:15
  And
• 4:15
  I
• 4:15
  said
• 4:16
  to
• 4:16
  her,
• 4:16
  I
• 4:16
  said,
• 4:16
  is
• 4:16
  the
• 4:16
  credit
• 4:17
  good?
• 4:17
  She
• 4:17
  goes,
• 4:17
  no,
• 4:17
  his
• 4:17
  credit's
• 4:18
  terrible,
• 4:19
  but
• 4:19
  he
• 4:19
  does
• 4:20
  seem
• 4:20
  to
• 4:20
  pay
• 4:20
  us.
• 4:21
  So
• 4:22
  guess
• 4:22
  what
• 4:22
  I
• 4:22
  was
• 4:22
  able
• 4:22
  to
• 4:23
  do?
• 4:23
  I
• 4:23
  was
• 4:23
  able
• 4:24
  to
• 4:24
  refinance
• 4:24
  this
• 4:25
  guy
• 4:25
  down
• 4:25
  to
• 4:25
  18%
• 4:26
  interest.
• 4:26
  I
• 4:27
  was
• 4:27
  still
• 4:27
  making
• 4:27
  money
• 4:27
  on
• 4:28
  the
• 4:28
  loan,
• 4:28
  and
• 4:28
  this
• 4:29
  guy
• 4:29
  fell
• 4:29
  in
• 4:30
  love
• 4:30
  with
• 4:30
  us.
• 4:31
  Let
• 4:31
  me
• 4:31
  tell
• 4:31
  you
• 4:32
  right
• 4:32
  now,
• 4:32
  he
• 4:32
  never
• 4:33
  missed
• 4:33
  a
• 4:33
  payment
• 4:34
  on
• 4:34
  that
• 4:34
  loan.
• 4:35
  But
• 4:36
  you
• 4:36
  have
• 4:36
  to
• 4:36
  realize
• 4:36
  something,
• 4:37
  and
• 4:37
  you've
• 4:37
  already
• 4:37
  noted
• 4:38
  it,
• 4:39
  a
• 4:39
  loan
• 4:39
  with
• 4:40
  bad
• 4:40
  credit
• 4:40
  does
• 4:41
  mean
• 4:41
  you're
• 4:41
  going
• 4:41
  to
• 4:41
  pay
• 4:41
  a
• 4:42
  higher
• 4:42
  interest
• 4:42
  rate.
• 4:43
  They
• 4:43
  may
• 4:43
  charge
• 4:44
  you
• 4:44
  higher
• 4:44
  cost.
• 4:45
  It's
• 4:45
  going
• 4:45
  to
• 4:45
  have
• 4:45
  less
• 4:45
  favorable
• 4:46
  terms.
• 4:46
  I
• 4:47
  know
• 4:47
  some
• 4:47
  local
• 4:47
  lenders
• 4:48
  actually
• 4:49
  put
• 4:49
  a
• 4:49
  device
• 4:49
  on
• 4:49
  your
• 4:50
  car
• 4:50
  that
• 4:50
  you
• 4:50
  have
• 4:50
  to
• 4:50
  enter
• 4:51
  a
• 4:51
  code
• 4:51
  every
• 4:51
  week
• 4:52
  because
• 4:52
  if
• 4:52
  you
• 4:52
  don't
• 4:52
  pay,
• 4:52
  they're
• 4:53
  going
• 4:53
  to
• 4:53
  come
• 4:53
  take
• 4:53
  the
• 4:54
  car.
• 4:55
  Those
• 4:55
  are
• 4:55
  things
• 4:55
  you
• 4:55
  got
• 4:55
  to
• 4:56
  accept.
• 4:56
  Your
• 4:57
  credit
• 4:57
  is
• 4:57
  where
• 4:58
  it
• 4:58
  is
• 4:58
  because
• 4:58
  of
• 4:58
  decisions
• 4:59
  you've
• 4:59
  made.
• 5:00
  But
• 5:00
  compare
• 5:01
  that
• 5:01
  for
• 5:01
  a
• 5:01
  second,
• 5:02
  you
• 5:02
  could
• 5:03
  continue
• 5:03
  to
• 5:03
  pay
• 5:03
  $800
• 5:04
  a
• 5:04
  month.
• 5:04
  You
• 5:04
  have
• 5:05
  no
• 5:05
  ownership,
• 5:06
  you've
• 5:06
  got
• 5:06
  no
• 5:06
  asset
• 5:07
  at
• 5:07
  the
• 5:07
  end,
• 5:08
  and
• 5:08
  you've
• 5:08
  got
• 5:08
  no
• 5:08
  long
• 5:08
  term
• 5:09
  improvement.
• 5:11
  So
• 5:11
  this
• 5:11
  isn't
• 5:11
  just
• 5:11
  about
• 5:12
  cost,
• 5:12
  it's
• 5:12
  about
• 5:13
  direction.
• 5:14
  Which
• 5:14
  is
• 5:14
  why
• 5:15
  I
• 5:15
  want
• 5:15
  to
• 5:15
  encourage
• 5:15
  you
• 5:15
  to
• 5:15
  be
• 5:16
  strategic.
• 5:17
  Right
• 5:17
  now
• 5:17
  I
• 5:18
  feel
• 5:18
  like
• 5:18
  there's
• 5:18
  a
• 5:18
  little
• 5:18
  desperation
• 5:20
  in
• 5:20
  your
• 5:20
  voice.
• 5:22
  You've
• 5:22
  got
• 5:23
  this
• 5:23
  $11,000
• 5:24
  car
• 5:25
  option.
• 5:26
  But
• 5:26
  this
• 5:26
  is
• 5:26
  where
• 5:27
  wisdom
• 5:27
  matters
• 5:27
  the
• 5:27
  most.
• 5:28
  You
• 5:29
  don't
• 5:29
  need
• 5:29
  an
• 5:29
  $11,000
• 5:30
  car
• 5:31
  from
• 5:31
  a
• 5:31
  dealership
• 5:31
  at
• 5:31
  a
• 5:32
  high
• 5:32
  interest
• 5:32
  rate.
• 5:32
  And
• 5:32
  this
• 5:32
  is
• 5:33
  what
• 5:33
  annoys
• 5:33
  me
• 5:34
  so
• 5:34
  many
• 5:35
  people
• 5:35
  say,
• 5:35
  I
• 5:35
  got
• 5:35
  to
• 5:36
  go
• 5:36
  figure
• 5:36
  something
• 5:36
  out.
• 5:36
  So
• 5:37
  they
• 5:37
  go
• 5:37
  to
• 5:37
  the
• 5:37
  dealer,
• 5:38
  and
• 5:38
  the
• 5:38
  dealer
• 5:38
  says,
• 5:39
  oh,
• 5:39
  yeah,
• 5:39
  Mr.
• 5:40
  Jones,
• 5:40
  I
• 5:41
  can
• 5:41
  get
• 5:41
  you
• 5:41
  this
• 5:41
  car.
• 5:42
  I
• 5:42
  know
• 5:42
  your
• 5:42
  credit's
• 5:43
  a
• 5:43
  little
• 5:43
  rocky,
• 5:43
  but
• 5:43
  I've
• 5:44
  got
• 5:44
  the
• 5:44
  deal
• 5:44
  for
• 5:44
  you.
• 5:46
  You
• 5:46
  got
• 5:46
  to
• 5:46
  shop
• 5:46
  around
• 5:47
  a
• 5:47
  little
• 5:47
  bit.
• 5:48
  Don't
• 5:48
  just
• 5:48
  take
• 5:49
  the
• 5:49
  first
• 5:49
  offer
• 5:49
  because
• 5:49
  it's
• 5:50
  so
• 5:50
  easy.
• 5:50
  If
• 5:50
  you've
• 5:50
  got
• 5:51
  bad
• 5:51
  credit,
• 5:51
  you
• 5:52
  probably
• 5:52
  hear
• 5:52
  no
• 5:53
  and
• 5:53
  no
• 5:54
  and
• 5:54
  no.
• 5:54
  And
• 5:55
  so
• 5:55
  you
• 5:55
  go
• 5:55
  to
• 5:55
  a
• 5:55
  dealer
• 5:56
  and
• 5:56
  they
• 5:56
  say,
• 5:56
  oh,
• 5:56
  yes,
• 5:57
  Mr.
• 5:57
  Jones,
• 5:57
  we
• 5:57
  can
• 5:57
  make
• 5:58
  this
• 5:58
  happen.
• 5:59
  But
• 5:59
  is
• 5:59
  it
• 6:00
  really
• 6:00
  the
• 6:00
  right
• 6:00
  fit
• 6:00
  for
• 6:01
  you?
• 6:02
  Because
• 6:02
  right
• 6:02
  now
• 6:02
  you
• 6:02
  need
• 6:03
  something
• 6:03
  reliable.
• 6:04
  You
• 6:04
  need
• 6:04
  something
• 6:04
  affordable.
• 6:06
  You
• 6:06
  need
• 6:06
  something
• 6:06
  that
• 6:06
  reduces
• 6:07
  your
• 6:07
  monthly
• 6:07
  burden.
• 6:07
  And
• 6:08
  hey,
• 6:08
  you
• 6:08
  said
• 6:08
  you
• 6:08
  found
• 6:08
  this
• 6:09
  option
• 6:09
  for
• 6:09
  $500
• 6:10
  a
• 6:10
  month
• 6:11
  for
• 6:11
  an
• 6:12
  $11,000
• 6:12
  car.
• 6:13
  $500
• 6:14
  a
• 6:14
  month
• 6:14
  sounds
• 6:14
  a
• 6:14
  little
• 6:14
  high
• 6:15
  to
• 6:15
  me,
• 6:16
  but
• 6:16
  it's
• 6:16
  basically
• 6:17
  cutting
• 6:17
  your
• 6:17
  costs
• 6:18
  in
• 6:18
  half.
• 6:19
  So
• 6:19
  lower
• 6:20
  the
• 6:20
  target
• 6:20
  and
• 6:20
  reduce
• 6:21
  your
• 6:21
  risk.
• 6:21
  Go
• 6:21
  look
• 6:21
  at
• 6:22
  some
• 6:22
  other
• 6:22
  options.
• 6:23
  You
• 6:23
  might
• 6:23
  be
• 6:23
  able
• 6:24
  to
• 6:24
  go
• 6:24
  lease
• 6:24
  a
• 6:24
  car,
• 6:25
  even
• 6:25
  a
• 6:25
  new
• 6:25
  car,
• 6:26
  for
• 6:26
  that
• 6:27
  same
• 6:27
  amount.
• 6:28
  You
• 6:28
  might
• 6:28
  be
• 6:28
  thinking
• 6:29
  about,
• 6:29
  well,
• 6:29
  they're
• 6:29
  not
• 6:29
  going
• 6:29
  to
• 6:30
  give
• 6:30
  me
• 6:30
  a
• 6:30
  new
• 6:30
  car
• 6:30
  loan.
• 6:30
  They
• 6:31
  might
• 6:31
  actually
• 6:31
  give
• 6:31
  you
• 6:32
  a
• 6:32
  new
• 6:32
  car
• 6:32
  loan
• 6:32
  as
• 6:33
  compared
• 6:33
  to
• 6:33
  a
• 6:33
  used
• 6:34
  car
• 6:34
  loan.
• 6:34
  Because
• 6:34
  with
• 6:35
  used
• 6:35
  cars,
• 6:35
  you
• 6:35
  never
• 6:35
  know
• 6:36
  what
• 6:36
  you're
• 6:36
  going
• 6:36
  to
• 6:36
  get.
• 6:36
  But.
• 6:37
  But
• 6:37
  before
• 6:37
  you
• 6:37
  do
• 6:37
  any
• 6:38
  of
• 6:38
  those
• 6:38
  things,
• 6:38
  I
• 6:38
  want
• 6:38
  to
• 6:38
  encourage
• 6:39
  you
• 6:39
  to
• 6:39
  do
• 6:39
  something
• 6:39
  else.
• 6:40
  You
• 6:41
  said
• 6:41
  you're
• 6:41
  living
• 6:41
  paycheck
• 6:42
  to
• 6:42
  paycheck.
• 6:43
  You've
• 6:43
  got
• 6:43
  to
• 6:44
  build
• 6:44
  a
• 6:44
  little
• 6:44
  buffer
• 6:44
  here.
• 6:44
  Because
• 6:45
  one
• 6:45
  of
• 6:45
  the
• 6:45
  things
• 6:45
  that
• 6:45
  worries
• 6:45
  me.
• 6:46
  I
• 6:46
  did
• 6:46
  a
• 6:46
  show
• 6:46
  about
• 6:46
  this
• 6:46
  the
• 6:46
  other
• 6:47
  day.
• 6:47
  Somebody
• 6:48
  got
• 6:48
  to
• 6:48
  a
• 6:48
  point
• 6:48
  with
• 6:48
  their
• 6:49
  used
• 6:49
  car.
• 6:49
  They
• 6:49
  couldn't
• 6:50
  afford
• 6:50
  to
• 6:50
  pay
• 6:50
  it
• 6:50
  anymore
• 6:50
  because
• 6:51
  they
• 6:51
  had
• 6:51
  this
• 6:51
  repair
• 6:51
  bill.
• 6:52
  That's
• 6:52
  what
• 6:52
  worries
• 6:53
  me
• 6:53
  for
• 6:53
  you.
• 6:54
  You
• 6:54
  might
• 6:54
  go
• 6:54
  out
• 6:54
  there
• 6:55
  with
• 6:55
  the
• 6:55
  best
• 6:55
  intention
• 6:56
  and
• 6:56
  buy
• 6:56
  this
• 6:56
  used
• 6:56
  vehicle.
• 6:58
  What
• 6:58
  happens
• 6:58
  if
• 6:58
  you
• 6:59
  have
• 6:59
  an
• 6:59
  issue
• 6:59
  where
• 6:59
  you
• 7:00
  got
• 7:00
  to
• 7:00
  have
• 7:00
  it
• 7:00
  repaired?
• 7:01
  Maybe
• 7:01
  you're
• 7:01
  going
• 7:01
  to
• 7:01
  have
• 7:01
  to
• 7:02
  pay
• 7:02
  a
• 7:02
  down
• 7:02
  payment.
• 7:03
  You've
• 7:03
  got
• 7:03
  to
• 7:03
  build
• 7:04
  some
• 7:04
  emergency
• 7:05
  cushion
• 7:05
  into
• 7:05
  this.
• 7:06
  And
• 7:06
  I
• 7:06
  know
• 7:06
  you're
• 7:07
  not
• 7:07
  going
• 7:07
  to
• 7:07
  like
• 7:07
  what
• 7:07
  I'm
• 7:07
  getting
• 7:07
  ready
• 7:08
  to
• 7:08
  say,
• 7:08
  but
• 7:09
  maybe
• 7:09
  you
• 7:09
  got
• 7:09
  to
• 7:09
  look
• 7:09
  for
• 7:10
  other
• 7:10
  options.
• 7:10
  Is
• 7:11
  there
• 7:11
  someone
• 7:11
  at
• 7:11
  work
• 7:11
  you
• 7:12
  can
• 7:12
  ride
• 7:12
  share
• 7:12
  with?
• 7:13
  Hey,
• 7:13
  if
• 7:13
  you're
• 7:13
  paying
• 7:14
  $800
• 7:14
  a
• 7:14
  month,
• 7:15
  offer
• 7:15
  somebody
• 7:16
  else
• 7:16
  that
• 7:16
  works
• 7:16
  with
• 7:16
  you
• 7:16
  half
• 7:17
  of
• 7:17
  that.
• 7:17
  Hey,
• 7:18
  can
• 7:18
  you
• 7:18
  give
• 7:18
  me
• 7:18
  a
• 7:18
  ride
• 7:19
  to
• 7:19
  work
• 7:19
  or
• 7:19
  do
• 7:19
  something,
• 7:20
  even
• 7:21
  if
• 7:21
  it's
• 7:21
  for
• 7:21
  a
• 7:21
  short
• 7:22
  period
• 7:22
  of
• 7:22
  time?
• 7:22
  That
• 7:23
  you
• 7:23
  can
• 7:23
  bank
• 7:23
  that
• 7:23
  $800
• 7:25
  a
• 7:25
  month
• 7:25
  to
• 7:25
  put
• 7:26
  some
• 7:26
  money
• 7:26
  aside
• 7:26
  because
• 7:26
  you
• 7:27
  want
• 7:27
  to
• 7:27
  make
• 7:27
  sure
• 7:27
  you're
• 7:27
  making
• 7:28
  a
• 7:28
  good
• 7:28
  decision.
• 7:29
  Because
• 7:30
  if
• 7:30
  you
• 7:30
  go
• 7:30
  into
• 7:30
  a
• 7:31
  new
• 7:31
  car
• 7:31
  loan
• 7:31
  with
• 7:31
  zero
• 7:32
  margin,
• 7:33
  you
• 7:33
  might
• 7:33
  put
• 7:33
  yourself
• 7:33
  into
• 7:34
  a
• 7:34
  different
• 7:35
  pressure
• 7:36
  point.
• 7:37
  Because
• 7:37
  what
• 7:37
  happens,
• 7:37
  you
• 7:37
  buy
• 7:38
  this
• 7:38
  used
• 7:38
  car,
• 7:38
  and
• 7:39
  a
• 7:39
  week
• 7:39
  after
• 7:39
  you
• 7:39
  buy
• 7:40
  it,
• 7:40
  it
• 7:40
  needs
• 7:40
  a
• 7:40
  major
• 7:41
  overhaul.
• 7:43
  So
• 7:43
  focus
• 7:43
  on
• 7:44
  what
• 7:44
  this
• 7:44
  decision
• 7:45
  unlocks.
• 7:46
  If
• 7:46
  you
• 7:47
  do
• 7:47
  this
• 7:47
  wisely,
• 7:48
  that
• 7:48
  car
• 7:48
  can
• 7:49
  change
• 7:49
  some
• 7:49
  things.
• 7:50
  It
• 7:50
  can
• 7:50
  definitely
• 7:50
  lower
• 7:51
  your
• 7:51
  monthly
• 7:51
  transportation
• 7:52
  costs.
• 7:52
  I
• 7:52
  would
• 7:52
  be
• 7:52
  willing
• 7:53
  to
• 7:53
  bet
• 7:53
  that
• 7:54
  you
• 7:54
  can
• 7:54
  go
• 7:54
  find
• 7:54
  some
• 7:55
  reliable
• 7:55
  transportation
• 7:56
  that's
• 7:57
  going
• 7:57
  to
• 7:57
  cost
• 7:57
  you
• 7:57
  a
• 7:58
  lot
• 7:58
  less
• 7:58
  than
• 7:58
  $800
• 7:59
  a
• 7:59
  month.
• 8:00
  But
• 8:00
  buying
• 8:00
  a
• 8:01
  car
• 8:01
  is
• 8:01
  going
• 8:01
  to
• 8:01
  give
• 8:01
  you
• 8:01
  some
• 8:01
  flexibility
• 8:02
  and
• 8:03
  it's
• 8:03
  going
• 8:03
  to
• 8:03
  create
• 8:03
  an
• 8:04
  opportunity
• 8:04
  to
• 8:04
  improve
• 8:04
  your
• 8:05
  finances.
• 8:05
  One
• 8:05
  of
• 8:05
  the
• 8:05
  things
• 8:05
  we
• 8:06
  haven't
• 8:06
  even
• 8:06
  talked
• 8:06
  about
• 8:07
  is
• 8:07
  getting
• 8:08
  a
• 8:08
  car
• 8:08
  loan
• 8:09
  is
• 8:09
  going
• 8:09
  to
• 8:09
  help
• 8:09
  you.
• 8:10
  Just
• 8:10
  make
• 8:11
  sure
• 8:11
  you
• 8:11
  pay
• 8:11
  it
• 8:12
  on
• 8:12
  time,
• 8:13
  don't
• 8:13
  miss
• 8:13
  a
• 8:13
  payment,
• 8:14
  set
• 8:14
  it
• 8:14
  up
• 8:14
  for
• 8:15
  automatic
• 8:15
  payments.
• 8:17
  Because
• 8:17
  this
• 8:17
  could
• 8:17
  very
• 8:18
  well
• 8:18
  be
• 8:18
  that
• 8:18
  time
• 8:19
  in
• 8:19
  your
• 8:19
  life
• 8:19
  where
• 8:20
  this
• 8:20
  is
• 8:20
  bigger
• 8:20
  than
• 8:21
  a
• 8:21
  purchase,
• 8:21
  but
• 8:21
  it
• 8:22
  shifts
• 8:22
  your
• 8:22
  whole
• 8:23
  situation.
• 8:24
  But
• 8:24
  I
• 8:24
  want
• 8:25
  to
• 8:25
  take
• 8:25
  this
• 8:25
  a
• 8:25
  little
• 8:25
  deeper
• 8:26
  because
• 8:27
  being
• 8:27
  in
• 8:27
  a
• 8:27
  situation
• 8:28
  like
• 8:28
  this
• 8:28
  can
• 8:28
  feel
• 8:29
  exhausting.
• 8:30
  I
• 8:30
  can
• 8:30
  feel
• 8:30
  it.
• 8:30
  I
• 8:31
  can
• 8:31
  sense
• 8:31
  it
• 8:31
  in
• 8:31
  your
• 8:31
  voice.
• 8:32
  I
• 8:33
  know
• 8:33
  you're
• 8:33
  doing
• 8:33
  your
• 8:33
  best,
• 8:35
  but
• 8:35
  you
• 8:35
  still
• 8:35
  feel
• 8:36
  stuck.
• 8:36
  Because
• 8:36
  you
• 8:36
  could
• 8:36
  have
• 8:36
  said,
• 8:37
  you
• 8:37
  know
• 8:37
  what,
• 8:37
  Ralph?
• 8:37
  I
• 8:38
  can't
• 8:38
  even
• 8:38
  get
• 8:38
  to
• 8:38
  work.
• 8:39
  The
• 8:39
  heck
• 8:39
  with
• 8:39
  it.
• 8:39
  I'm
• 8:39
  not
• 8:40
  even
• 8:40
  going
• 8:40
  to
• 8:40
  keep
• 8:40
  a
• 8:40
  job.
• 8:42
  So
• 8:42
  in
• 8:42
  all
• 8:42
  of
• 8:42
  this,
• 8:43
  God
• 8:43
  sees
• 8:43
  that
• 8:44
  effort.
• 8:45
  He
• 8:45
  sees
• 8:45
  your
• 8:45
  desire
• 8:46
  to
• 8:46
  move
• 8:46
  forward.
• 8:46
  And
• 8:47
  he's
• 8:47
  meeting
• 8:47
  you
• 8:47
  right
• 8:48
  here.
• 8:48
  He's
• 8:49
  not
• 8:49
  trying
• 8:49
  to
• 8:49
  give
• 8:49
  you
• 8:49
  pressure.
• 8:50
  He's
• 8:50
  trying
• 8:50
  to
• 8:50
  give
• 8:50
  you
• 8:50
  guidance.
• 8:51
  So
• 8:51
  don't
• 8:51
  forget
• 8:51
  to
• 8:51
  include
• 8:52
  him
• 8:52
  in
• 8:52
  the
• 8:52
  decision.
• 8:54
  Just
• 8:54
  reach
• 8:54
  up
• 8:54
  to
• 8:54
  him
• 8:54
  and
• 8:55
  say,
• 8:55
  lord,
• 8:55
  help
• 8:55
  me,
• 8:55
  make
• 8:56
  a
• 8:56
  wise
• 8:56
  step
• 8:56
  forward,
• 8:57
  get
• 8:58
  me
• 8:58
  out
• 8:58
  of
• 8:58
  this
• 8:58
  cycle.
• 9:00
  Because
• 9:00
  in
• 9:00
  the
• 9:01
  end,
• 9:01
  you're
• 9:01
  not
• 9:01
  stuck.
• 9:03
  You're
• 9:03
  just
• 9:03
  one
• 9:03
  wise
• 9:04
  decision
• 9:04
  away
• 9:04
  from
• 9:05
  progress.
• 9:06
  So
• 9:06
  here's
• 9:07
  your
• 9:07
  win
• 9:07
  for
• 9:07
  today.
• 9:08
  You
• 9:08
  need
• 9:08
  to
• 9:08
  define
• 9:09
  your
• 9:09
  target
• 9:09
  clearly.
• 9:10
  Your
• 9:10
  one
• 9:11
  sentence
• 9:11
  I
• 9:11
  want
• 9:11
  you
• 9:11
  to
• 9:11
  write
• 9:12
  down
• 9:12
  is,
• 9:12
  I
• 9:12
  will
• 9:12
  look
• 9:13
  for
• 9:13
  a
• 9:13
  reliable
• 9:13
  car
• 9:14
  under
• 9:14
  X
• 9:15
  that
• 9:15
  reduces
• 9:16
  my
• 9:16
  monthly
• 9:16
  cost.
• 9:17
  Get
• 9:17
  online
• 9:18
  and
• 9:18
  do
• 9:18
  some
• 9:18
  comparison
• 9:19
  shopping.
• 9:20
  Go
• 9:20
  and
• 9:20
  look
• 9:20
  at
• 9:20
  what
• 9:21
  monthly
• 9:21
  payments
• 9:21
  are
• 9:21
  based
• 9:22
  on
• 9:22
  interest
• 9:22
  rates.
• 9:22
  Because
• 9:22
  when
• 9:23
  you
• 9:23
  go
• 9:23
  to
• 9:23
  the
• 9:23
  dealer,
• 9:24
  they
• 9:24
  don't
• 9:24
  want
• 9:24
  to
• 9:24
  tell
• 9:24
  you
• 9:25
  to
• 9:25
  find
• 9:25
  print.
• 9:25
  They
• 9:25
  just
• 9:26
  the
• 9:26
  first
• 9:26
  thing
• 9:26
  they'll
• 9:26
  say
• 9:26
  to
• 9:27
  you,
• 9:27
  and
• 9:27
  I've
• 9:27
  done
• 9:27
  many
• 9:27
  shows
• 9:28
  on
• 9:28
  this,
• 9:28
  maybe
• 9:28
  we'll
• 9:28
  link
• 9:29
  to
• 9:29
  some
• 9:29
  in
• 9:29
  the
• 9:29
  show
• 9:29
  notes.
• 9:30
  They
• 9:30
  want
• 9:31
  you
• 9:31
  to
• 9:31
  understand
• 9:31
  what
• 9:32
  is
• 9:32
  the
• 9:32
  payment
• 9:32
  you
• 9:32
  can
• 9:32
  afford.
• 9:33
  But
• 9:33
  that's
• 9:33
  not
• 9:33
  the
• 9:33
  question
• 9:34
  to
• 9:34
  Answer
• 9:34
  Is
• 9:35
  it
• 9:35
  reliable
• 9:36
  car?
• 9:36
  Is
• 9:36
  it
• 9:36
  a
• 9:36
  good
• 9:37
  value?
• 9:37
  And
• 9:37
  are
• 9:38
  you
• 9:38
  getting
• 9:38
  the
• 9:38
  best
• 9:38
  rate
• 9:39
  for
• 9:39
  your
• 9:39
  particular
• 9:40
  credit
• 9:40
  situation?
• 9:41
  Because
• 9:42
  that
• 9:42
  clarity
• 9:43
  is
• 9:43
  going
• 9:43
  to
• 9:43
  protect
• 9:43
  you
• 9:44
  from
• 9:44
  costly
• 9:44
  decisions.
• 9:45
  When
• 9:46
  I
• 9:46
  want
• 9:46
  to
• 9:46
  share
• 9:46
  a
• 9:46
  Bible
• 9:47
  verse
• 9:47
  with
• 9:47
  you,
• 9:48
  this
• 9:48
  comes
• 9:48
  from
• 9:48
  the
• 9:49
  book
• 9:49
  of
• 9:49
  Proverbs,
• 9:49
  chapter
• 9:50
  24,
• 9:51
  verse
• 9:51
  27.
• 9:52
  It
• 9:52
  says,
• 9:52
  Put
• 9:53
  your
• 9:53
  outdoor
• 9:53
  work
• 9:53
  in
• 9:54
  order
• 9:54
  and
• 9:54
  get
• 9:54
  your
• 9:55
  fields
• 9:55
  ready.
• 9:56
  After
• 9:56
  that,
• 9:56
  build
• 9:57
  your
• 9:57
  house.
• 9:58
  You
• 9:58
  may
• 9:58
  be
• 9:58
  saying,
• 9:58
  ralph,
• 9:59
  we're
• 9:59
  not
• 9:59
  talking
• 9:59
  about
• 10:00
  houses
• 10:00
  or
• 10:00
  fields.
• 10:01
  How
• 10:01
  does
• 10:01
  this
• 10:01
  make
• 10:02
  any
• 10:02
  sense?
• 10:03
  Here's
• 10:03
  why
• 10:03
  it
• 10:03
  makes
• 10:03
  sense.
• 10:04
  Wise
• 10:05
  planning
• 10:05
  and
• 10:05
  preparation
• 10:07
  create
• 10:07
  a
• 10:07
  stronger
• 10:08
  foundation
• 10:08
  before
• 10:09
  making
• 10:09
  major
• 10:09
  commitments.
• 10:10
  And
• 10:10
  that's
• 10:10
  what
• 10:10
  I
• 10:10
  really
• 10:10
  want
• 10:10
  to
• 10:11
  encourage
• 10:11
  you
• 10:11
  to
• 10:11
  do.
• 10:12
  Go
• 10:12
  do
• 10:12
  your
• 10:12
  homework,
• 10:13
  go
• 10:13
  see
• 10:14
  what
• 10:14
  the
• 10:14
  options
• 10:15
  are
• 10:15
  on
• 10:15
  the
• 10:15
  table
• 10:16
  and
• 10:16
  make
• 10:16
  the
• 10:16
  best
• 10:17
  decision
• 10:17
  for
• 10:17
  you.
• 10:18
  How
• 10:18
  about
• 10:18
  we
• 10:19
  pray
• 10:19
  together?
• 10:20
  Heavenly
• 10:20
  Father,
• 10:21
  we
• 10:21
  lift
• 10:22
  up
• 10:22
  those
• 10:22
  who
• 10:22
  are
• 10:22
  feeling
• 10:23
  stuck
• 10:23
  in
• 10:23
  difficult
• 10:24
  financial
• 10:24
  situations.
• 10:26
  You
• 10:26
  see
• 10:26
  their
• 10:26
  effort,
• 10:27
  Lord,
• 10:27
  you
• 10:28
  see
• 10:28
  their
• 10:28
  frustration
• 10:29
  and
• 10:30
  you
• 10:30
  see
• 10:30
  their
• 10:30
  desire
• 10:31
  for
• 10:31
  something
• 10:31
  better.
• 10:32
  I
• 10:32
  just
• 10:33
  ask
• 10:33
  right
• 10:33
  now
• 10:33
  that
• 10:33
  you
• 10:34
  would
• 10:34
  give
• 10:34
  them
• 10:34
  wisdom
• 10:35
  to
• 10:35
  make
• 10:35
  the
• 10:35
  next
• 10:35
  right
• 10:36
  step.
• 10:37
  Not
• 10:37
  to
• 10:37
  be
• 10:37
  driven
• 10:38
  by
• 10:38
  fear,
• 10:39
  but
• 10:39
  to
• 10:39
  be
• 10:39
  guided
• 10:40
  by
• 10:40
  clarity.
• 10:41
  Help
• 10:41
  them
• 10:42
  to
• 10:42
  find
• 10:42
  solutions
• 10:42
  that
• 10:43
  bring
• 10:43
  stability
• 10:43
  and
• 10:44
  help
• 10:44
  them
• 10:44
  to
• 10:44
  move
• 10:45
  forward
• 10:45
  with
• 10:45
  confidence.
• 10:47
  Lord,
• 10:47
  we
• 10:47
  just
• 10:47
  ask
• 10:47
  right
• 10:48
  now
• 10:48
  that
• 10:48
  you
• 10:48
  will
• 10:48
  provide
• 10:49
  opportunities
• 10:49
  and
• 10:50
  open
• 10:50
  doors
• 10:51
  and
• 10:52
  remind
• 10:52
  them
• 10:52
  always
• 10:53
  they're
• 10:53
  not
• 10:53
  alone
• 10:53
  in
• 10:54
  this.
• 10:55
  Lead
• 10:55
  them
• 10:55
  towards
• 10:55
  progress.
• 10:56
  One
• 10:56
  decision
• 10:57
  at
• 10:57
  a
• 10:57
  time.
• 10:57
  One
• 10:58
  faithful
• 10:58
  decision
• 10:58
  at
• 10:59
  a
• 10:59
  time.
• 11:00
  And
• 11:00
  we
• 11:00
  ask
• 11:00
  this
• 11:00
  in
• 11:01
  Jesus
• 11:01
  name.
• 11:02
  Amen.
• 11:04
  Friend,
• 11:05
  I
• 11:05
  want
• 11:05
  to
• 11:05
  leave
• 11:05
  you
• 11:05
  with
• 11:05
  this.
• 11:07
  It
• 11:07
  doesn't
• 11:07
  have
• 11:07
  to
• 11:07
  be
• 11:08
  perfect,
• 11:09
  it
• 11:09
  just
• 11:10
  has
• 11:10
  to
• 11:10
  move
• 11:10
  you
• 11:11
  forward.
• 11:12
  And
• 11:12
  maybe
• 11:12
  today's
• 11:13
  episode
• 11:13
  hits
• 11:14
  you
• 11:14
  right
• 11:14
  at
• 11:14
  home
• 11:15
  as
• 11:15
  well.
• 11:16
  Maybe
• 11:16
  you've
• 11:16
  got
• 11:16
  a
• 11:16
  situation
• 11:17
  that
• 11:17
  you
• 11:17
  want
• 11:18
  to
• 11:18
  talk
• 11:18
  about.
• 11:19
  Send
• 11:19
  me
• 11:19
  a
• 11:20
  voicemail.
• 11:21
  I
• 11:21
  read
• 11:21
  every
• 11:22
  one
• 11:22
  of
• 11:22
  these.
• 11:22
  I
• 11:22
  listen
• 11:23
  to
• 11:23
  every
• 11:23
  one
• 11:23
  of
• 11:23
  these
• 11:23
  and
• 11:24
  I
• 11:24
  want
• 11:24
  to
• 11:24
  hear
• 11:24
  about
• 11:24
  your
• 11:24
  situation.
• 11:25
  And
• 11:25
  listen,
• 11:25
  it
• 11:26
  doesn't
• 11:26
  have
• 11:26
  to
• 11:26
  be
• 11:26
  a
• 11:26
  struggle.
• 11:27
  Maybe
• 11:27
  it's
• 11:27
  just
• 11:27
  something
• 11:28
  you've
• 11:28
  overcome
• 11:29
  and
• 11:29
  you
• 11:29
  want
• 11:29
  to
• 11:29
  share
• 11:30
  it
• 11:30
  with
• 11:30
  the
• 11:30
  group
• 11:30
  of
• 11:30
  hey,
• 11:31
  here's
• 11:31
  what
• 11:31
  I
• 11:31
  did,
• 11:31
  Ralph,
• 11:32
  and
• 11:32
  it
• 11:32
  worked
• 11:32
  for
• 11:32
  me.
• 11:33
  Go
• 11:33
  to
• 11:33
  financiallyconfidentchristian.com/voicemail
• 11:37
  we'll
• 11:37
  put
• 11:38
  a
• 11:38
  link
• 11:38
  to
• 11:38
  that
• 11:38
  in
• 11:38
  the
• 11:38
  show
• 11:38
  notes.
• 11:38
  But
• 11:39
  like
• 11:39
  I
• 11:39
  said,
• 11:39
  it
• 11:39
  doesn't
• 11:39
  necessarily
• 11:40
  have
• 11:40
  to
• 11:40
  be
• 11:40
  a
• 11:40
  question.
• 11:40
  It
• 11:41
  could
• 11:41
  be
• 11:41
  something
• 11:41
  that
• 11:41
  worked
• 11:42
  for
• 11:42
  you
• 11:42
  or
• 11:42
  just
• 11:42
  maybe
• 11:43
  you
• 11:43
  want
• 11:43
  to
• 11:43
  share
• 11:43
  a
• 11:43
  win
• 11:44
  financially.
• 11:45
  That's
• 11:45
  financiallyconfidentchristian.com/voicemail
• 11:49
  as
• 11:50
  always,
• 11:50
  I
• 11:50
  want
• 11:50
  to
• 11:51
  encourage
• 11:51
  you.
• 11:51
  Stay
• 11:52
  financially
• 11:52
  savvy.
• 11:53
  Don't
• 11:53
  give
• 11:53
  up.
• 11:54
  I
• 11:54
  know
• 11:54
  you
• 11:54
  can
• 11:55
  do
• 11:55
  this.
• 11:55
  May
• 11:56
  God
• 11:56
  bless
• 11:56
  you
• 11:57
  and
• 11:57
  you
• 11:57
  have
• 11:57
  a
• 11:57
  truly
• 11:58
  great
• 11:58
  day.
• 12:09
  It.