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How Do I Stop My Bonus From Disappearing Into Small Expenses? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  received
• 0:38
  extra
• 0:38
  money
• 0:39
  and
• 0:39
  instead
• 0:39
  of
• 0:39
  excitement,
• 0:40
  you
• 0:40
  just
• 0:41
  felt
• 0:41
  anxiety
• 0:43
  because
• 0:43
  deep
• 0:43
  down
• 0:44
  you're
• 0:44
  thinking,
• 0:44
  watch
• 0:45
  this
• 0:45
  disappear.
• 0:47
  Bonus
• 0:48
  refund,
• 0:49
  even
• 0:49
  a
• 0:49
  commission.
• 0:50
  And
• 0:51
  somehow
• 0:51
  two
• 0:51
  months
• 0:52
  later,
• 0:53
  you
• 0:53
  can't
• 0:53
  even
• 0:53
  point
• 0:53
  to
• 0:54
  what
• 0:54
  changed.
• 0:56
  Friend,
• 0:56
  extra
• 0:57
  money
• 0:57
  doesn't
• 0:57
  create
• 0:57
  progress.
• 0:59
  Intentional
• 0:59
  direction
• 1:00
  does.
• 1:01
  And
• 1:02
  today
• 1:02
  on
• 1:02
  the
• 1:02
  show,
• 1:02
  I
• 1:02
  want
• 1:02
  to
• 1:03
  make
• 1:03
  sure
• 1:03
  that
• 1:03
  when
• 1:03
  you
• 1:04
  get
• 1:04
  that
• 1:04
  bonus
• 1:05
  money,
• 1:05
  it
• 1:05
  doesn't
• 1:05
  vanish,
• 1:06
  but
• 1:06
  actually
• 1:07
  moves
• 1:07
  your
• 1:07
  life
• 1:07
  forward.
• 1:08
  I
• 1:08
  got
• 1:08
  some
• 1:09
  great
• 1:09
  ideas
• 1:09
  for
• 1:09
  you
• 1:09
  on
• 1:10
  today's
• 1:10
  show.
• 1:32
  Hey,
• 1:32
  friend.
• 1:33
  Ralph
• 1:33
  Estep
• 1:34
  Jr.
• 1:34
  Here.
• 1:35
  Welcome
• 1:35
  to
• 1:35
  financially
• 1:36
  Confident
• 1:36
  Christian,
• 1:37
  where
• 1:38
  every
• 1:38
  day
• 1:38
  my
• 1:38
  goal
• 1:38
  is
• 1:39
  to
• 1:39
  help
• 1:39
  you
• 1:39
  break
• 1:39
  that
• 1:39
  cycle
• 1:40
  of
• 1:40
  financial
• 1:41
  shame
• 1:41
  and
• 1:42
  live
• 1:42
  in
• 1:42
  confidence.
• 1:44
  And
• 1:44
  today
• 1:44
  we're
• 1:44
  going
• 1:45
  to
• 1:45
  talk
• 1:45
  about
• 1:45
  how
• 1:45
  to
• 1:45
  keep
• 1:46
  your
• 1:46
  bonus
• 1:46
  from
• 1:46
  disappearing
• 1:47
  into
• 1:47
  small
• 1:48
  expenses
• 1:49
  about
• 1:49
  you.
• 1:49
  But
• 1:50
  if
• 1:50
  you've
• 1:50
  ever
• 1:50
  been
• 1:50
  there,
• 1:50
  you
• 1:50
  know
• 1:51
  exactly
• 1:51
  what
• 1:51
  I'm
• 1:51
  talking
• 1:51
  about.
• 1:52
  Today's
• 1:52
  listener
• 1:53
  question
• 1:53
  just
• 1:54
  nails
• 1:54
  it.
• 1:54
  They
• 1:54
  wrote
• 1:54
  this,
• 1:55
  Ralph.
• 1:56
  I
• 1:56
  received
• 1:56
  a
• 1:56
  bonus.
• 1:58
  Instead
• 1:58
  of
• 1:58
  feeling
• 1:58
  grateful,
• 1:59
  I
• 2:00
  actually
• 2:00
  feel
• 2:00
  afraid.
• 2:01
  I've
• 2:02
  watched
• 2:02
  money
• 2:02
  slip
• 2:02
  through
• 2:03
  my
• 2:03
  hands
• 2:03
  before,
• 2:04
  leaving
• 2:04
  no
• 2:04
  real
• 2:05
  change
• 2:05
  behind.
• 2:06
  I
• 2:07
  don't
• 2:07
  want
• 2:07
  this
• 2:07
  to
• 2:07
  disappear
• 2:08
  into
• 2:08
  small
• 2:08
  expenses
• 2:09
  and
• 2:09
  end
• 2:09
  up
• 2:10
  right
• 2:10
  back
• 2:10
  where
• 2:10
  I
• 2:10
  started.
• 2:12
  I
• 2:12
  want
• 2:12
  this
• 2:12
  to
• 2:12
  actually
• 2:13
  move
• 2:13
  my
• 2:13
  life
• 2:13
  forward,
• 2:14
  to
• 2:15
  mean
• 2:15
  something.
• 2:16
  What's
• 2:16
  the
• 2:17
  wisest
• 2:17
  first
• 2:17
  step
• 2:18
  I
• 2:18
  can
• 2:18
  take
• 2:18
  so
• 2:19
  this
• 2:19
  money
• 2:19
  truly
• 2:20
  counts?
• 2:22
  And
• 2:22
  I
• 2:22
  appreciate
• 2:22
  that
• 2:23
  question.
• 2:24
  And
• 2:24
  I
• 2:24
  like
• 2:25
  what
• 2:25
  they
• 2:25
  ended
• 2:25
  that
• 2:25
  with.
• 2:26
  First
• 2:27
  step,
• 2:27
  because
• 2:27
  I
• 2:28
  could
• 2:28
  give
• 2:28
  you
• 2:28
  a
• 2:28
  book
• 2:28
  about
• 2:28
  what
• 2:29
  you
• 2:29
  could
• 2:29
  do,
• 2:30
  but
• 2:30
  I
• 2:30
  don't
• 2:31
  want
• 2:31
  to
• 2:31
  overwhelm
• 2:31
  you.
• 2:33
  But
• 2:33
  I
• 2:33
  want
• 2:33
  you
• 2:33
  to
• 2:33
  think
• 2:33
  about
• 2:34
  this.
• 2:34
  Windfalls
• 2:35
  need
• 2:35
  a
• 2:35
  plan
• 2:36
  before
• 2:36
  they
• 2:36
  need
• 2:36
  permission.
• 2:38
  So
• 2:38
  let's
• 2:38
  talk
• 2:38
  about
• 2:39
  that
• 2:39
  right
• 2:39
  now.
• 2:41
  So
• 2:41
  when
• 2:41
  you
• 2:41
  find
• 2:42
  one
• 2:42
  of
• 2:42
  these
• 2:42
  windfalls,
• 2:43
  commission,
• 2:44
  bonus,
• 2:45
  magic
• 2:46
  money,
• 2:46
  whatever
• 2:46
  you
• 2:47
  call
• 2:47
  it,
• 2:48
  pause
• 2:48
  before
• 2:49
  you
• 2:49
  even
• 2:49
  touch
• 2:49
  it.
• 2:50
  Don't
• 2:51
  immediately
• 2:51
  spend
• 2:52
  it.
• 2:52
  I'll
• 2:52
  give
• 2:52
  you
• 2:53
  a
• 2:53
  great
• 2:53
  example
• 2:53
  of
• 2:53
  this.
• 2:54
  I've
• 2:54
  been
• 2:54
  in
• 2:55
  tax
• 2:55
  work
• 2:55
  for
• 2:55
  a
• 2:55
  long
• 2:56
  time.
• 2:57
  Every
• 2:57
  tax
• 2:57
  season,
• 2:58
  guess
• 2:58
  what?
• 2:58
  My
• 2:58
  income
• 2:59
  goes
• 2:59
  up.
• 3:00
  Got
• 3:00
  a
• 3:00
  lot
• 3:00
  of
• 3:00
  people
• 3:01
  coming
• 3:01
  in
• 3:01
  every
• 3:01
  day
• 3:01
  today.
• 3:02
  As
• 3:02
  I
• 3:02
  record
• 3:03
  this
• 3:03
  afternoon,
• 3:03
  I
• 3:04
  got
• 3:04
  eight
• 3:04
  clients
• 3:04
  back
• 3:05
  to
• 3:05
  back.
• 3:06
  So
• 3:06
  it's
• 3:06
  real
• 3:06
  easy
• 3:07
  for
• 3:07
  me
• 3:07
  to
• 3:07
  bring
• 3:07
  some
• 3:08
  cash
• 3:08
  in
• 3:08
  right
• 3:08
  now.
• 3:09
  And
• 3:09
  for
• 3:09
  so
• 3:10
  many
• 3:10
  times
• 3:10
  I've
• 3:10
  looked
• 3:10
  at
• 3:10
  that
• 3:11
  as,
• 3:11
  hey,
• 3:11
  that's
• 3:11
  my
• 3:11
  bonus.
• 3:13
  It's
• 3:13
  easy
• 3:13
  to
• 3:13
  spend,
• 3:14
  isn't
• 3:14
  it?
• 3:15
  You
• 3:15
  might
• 3:15
  have
• 3:15
  felt
• 3:16
  the
• 3:16
  same
• 3:16
  way.
• 3:16
  You
• 3:16
  got
• 3:16
  this
• 3:17
  windfall
• 3:17
  of
• 3:17
  money.
• 3:18
  Oh,
• 3:18
  this
• 3:18
  is
• 3:18
  great.
• 3:18
  We
• 3:18
  can
• 3:19
  go
• 3:19
  do
• 3:19
  this
• 3:19
  and
• 3:19
  go
• 3:20
  do
• 3:20
  that.
• 3:20
  So
• 3:21
  first
• 3:21
  thing
• 3:21
  I'm
• 3:21
  going
• 3:21
  to
• 3:21
  encourage
• 3:21
  you
• 3:22
  to
• 3:22
  do
• 3:22
  is
• 3:23
  create
• 3:23
  a
• 3:23
  72
• 3:24
  hour
• 3:24
  buffer.
• 3:26
  Let
• 3:26
  the
• 3:27
  emotions
• 3:27
  settle.
• 3:29
  Because
• 3:29
  what
• 3:29
  I
• 3:29
  have
• 3:30
  found
• 3:30
  in
• 3:30
  my
• 3:30
  own
• 3:30
  life
• 3:31
  is
• 3:32
  that
• 3:32
  excitement
• 3:33
  leads
• 3:33
  to
• 3:33
  impulse,
• 3:35
  impulse
• 3:36
  leads
• 3:36
  to
• 3:36
  leakage.
• 3:38
  But
• 3:38
  wisdom
• 3:39
  Starts
• 3:39
  when
• 3:39
  you
• 3:39
  pause.
• 3:41
  So
• 3:41
  start
• 3:41
  by
• 3:42
  pausing.
• 3:42
  Second
• 3:42
  thing,
• 3:43
  protect
• 3:44
  a
• 3:44
  portion
• 3:45
  of
• 3:45
  that
• 3:45
  immediately
• 3:46
  before
• 3:47
  anything
• 3:47
  else.
• 3:47
  Decide
• 3:48
  this.
• 3:48
  What
• 3:49
  percentage
• 3:49
  moves
• 3:50
  in
• 3:51
  your
• 3:51
  life
• 3:51
  forward?
• 3:53
  Simple
• 3:53
  framework
• 3:53
  I'm
• 3:54
  going
• 3:54
  to
• 3:54
  give
• 3:54
  you
• 3:54
  right
• 3:54
  now.
• 3:54
  Here's
• 3:55
  a
• 3:55
  great
• 3:55
  idea.
• 3:56
  When
• 3:56
  you
• 3:56
  get
• 3:56
  those
• 3:57
  windfalls,
• 3:58
  tax
• 3:58
  refund,
• 3:59
  commission
• 3:59
  bonus,
• 4:01
  put
• 4:01
  50%
• 4:02
  of
• 4:02
  it
• 4:02
  towards
• 4:03
  stability.
• 4:04
  That
• 4:04
  could
• 4:04
  either
• 4:04
  be
• 4:04
  paying
• 4:05
  down
• 4:05
  debt
• 4:05
  or
• 4:06
  building
• 4:06
  up
• 4:06
  your
• 4:06
  savings.
• 4:08
  Put
• 4:08
  30%
• 4:09
  towards
• 4:09
  a
• 4:09
  strategic
• 4:10
  goal.
• 4:10
  Maybe
• 4:10
  you
• 4:10
  want
• 4:10
  to
• 4:10
  buy
• 4:11
  a
• 4:11
  home,
• 4:11
  maybe
• 4:11
  you're
• 4:12
  going
• 4:12
  to
• 4:12
  replace
• 4:12
  a
• 4:12
  car,
• 4:13
  whatever
• 4:13
  that
• 4:13
  looks
• 4:14
  like
• 4:14
  for
• 4:14
  you.
• 4:15
  And
• 4:15
  yes,
• 4:16
  put
• 4:16
  20%
• 4:17
  towards
• 4:17
  enjoyment.
• 4:19
  It's
• 4:19
  okay
• 4:19
  to
• 4:20
  enjoy
• 4:20
  what
• 4:20
  you've
• 4:20
  had.
• 4:21
  You
• 4:21
  probably
• 4:21
  worked
• 4:21
  hard
• 4:22
  for
• 4:22
  that
• 4:22
  bonus.
• 4:23
  You
• 4:23
  can
• 4:24
  always
• 4:24
  adjust
• 4:24
  the
• 4:24
  percentages
• 4:25
  to
• 4:25
  meet
• 4:25
  your
• 4:25
  life.
• 4:26
  But
• 4:26
  the
• 4:26
  key
• 4:26
  is
• 4:26
  this.
• 4:27
  Assign
• 4:28
  the
• 4:28
  money
• 4:28
  before
• 4:28
  it
• 4:29
  assigns
• 4:29
  itself.
• 4:31
  Because
• 4:31
  if
• 4:31
  you
• 4:31
  don't
• 4:32
  assign
• 4:32
  it,
• 4:32
  guess
• 4:32
  what?
• 4:32
  It'll
• 4:33
  find
• 4:33
  a
• 4:33
  place
• 4:33
  to
• 4:34
  go.
• 4:35
  Amazon's
• 4:35
  gonna
• 4:36
  love
• 4:36
  you.
• 4:37
  The
• 4:38
  clothes
• 4:38
  store.
• 4:38
  Oh,
• 4:38
  they're
• 4:39
  gonna
• 4:39
  love
• 4:39
  you
• 4:40
  because
• 4:40
  you're
• 4:41
  gonna
• 4:41
  spend
• 4:41
  it
• 4:41
  little
• 4:41
  nickels
• 4:42
  and
• 4:42
  dimes
• 4:42
  here
• 4:42
  everywhere
• 4:43
  and
• 4:43
  then
• 4:43
  you're
• 4:43
  gonna
• 4:43
  look
• 4:43
  at
• 4:43
  a
• 4:43
  little
• 4:43
  bit
• 4:44
  later
• 4:44
  and
• 4:44
  you
• 4:44
  know
• 4:44
  where
• 4:44
  the
• 4:44
  money
• 4:45
  goes.
• 4:47
  So
• 4:47
  here's
• 4:47
  another
• 4:48
  encouragement
• 4:48
  I
• 4:48
  have
• 4:48
  for
• 4:49
  you.
• 4:49
  Use
• 4:50
  it
• 4:50
  for
• 4:50
  impact,
• 4:51
  not
• 4:51
  lifestyle
• 4:52
  creep.
• 4:54
  I
• 4:54
  get
• 4:54
  it.
• 4:55
  Small
• 4:55
  upgrades
• 4:56
  are
• 4:56
  tempting.
• 4:57
  New
• 4:58
  subscriptions.
• 4:58
  Oh,
• 4:59
  I
• 4:59
  can
• 4:59
  do
• 4:59
  this.
• 4:59
  Now
• 4:59
  it
• 5:00
  doesn't
• 5:00
  feel
• 5:00
  so
• 5:00
  tight.
• 5:00
  I
• 5:01
  got
• 5:01
  a
• 5:01
  little
• 5:01
  margin
• 5:01
  here.
• 5:03
  Hey,
• 5:03
  we
• 5:03
  can
• 5:03
  go
• 5:03
  eat
• 5:04
  out
• 5:04
  twice
• 5:04
  a
• 5:04
  week.
• 5:04
  This
• 5:05
  week
• 5:07
  I
• 5:07
  can.
• 5:07
  I
• 5:07
  don't
• 5:07
  have
• 5:07
  to
• 5:07
  do
• 5:08
  this
• 5:08
  pack
• 5:08
  of
• 5:08
  my
• 5:08
  lunch.
• 5:09
  I
• 5:10
  can
• 5:10
  do
• 5:10
  doober
• 5:10
  or
• 5:11
  doordash
• 5:11
  or
• 5:12
  Uber
• 5:12
  eats
• 5:13
  that
• 5:13
  convenience
• 5:14
  spending.
• 5:15
  And
• 5:15
  yes,
• 5:15
  they're
• 5:16
  temporary
• 5:16
  lifts
• 5:16
  to
• 5:17
  make
• 5:17
  you
• 5:17
  feel
• 5:17
  good.
• 5:19
  But
• 5:19
  instead
• 5:19
  of
• 5:20
  doing
• 5:20
  that,
• 5:20
  ask
• 5:20
  yourself
• 5:21
  this.
• 5:21
  What
• 5:21
  will
• 5:22
  reduce
• 5:22
  stress
• 5:22
  six
• 5:23
  months
• 5:23
  from
• 5:23
  now?
• 5:25
  Because
• 5:25
  it's
• 5:26
  easy
• 5:26
  to
• 5:26
  live
• 5:26
  in
• 5:26
  that
• 5:27
  moment
• 5:27
  right
• 5:27
  now.
• 5:28
  But
• 5:29
  think
• 5:29
  about
• 5:29
  where
• 5:29
  you're
• 5:29
  going
• 5:29
  to
• 5:29
  be
• 5:30
  six
• 5:30
  months
• 5:30
  around.
• 5:30
  Like
• 5:30
  the
• 5:30
  listener
• 5:31
  said
• 5:31
  today,
• 5:31
  Ralph,
• 5:32
  I
• 5:32
  don't
• 5:32
  want
• 5:32
  to
• 5:32
  be
• 5:32
  in
• 5:32
  this
• 5:33
  cycle
• 5:33
  forever.
• 5:35
  Maybe
• 5:35
  this
• 5:35
  is
• 5:35
  a
• 5:35
  great
• 5:35
  opportunity
• 5:36
  to
• 5:36
  pay
• 5:36
  down
• 5:37
  a
• 5:37
  high
• 5:37
  interest
• 5:37
  credit
• 5:38
  card.
• 5:39
  Maybe
• 5:39
  fully
• 5:40
  fund
• 5:40
  that
• 5:40
  emergency
• 5:41
  buffer,
• 5:42
  prepay
• 5:42
  that
• 5:43
  insurance
• 5:43
  bill.
• 5:44
  Maybe
• 5:44
  do
• 5:45
  some
• 5:45
  investment
• 5:45
  in
• 5:46
  a
• 5:46
  skill.
• 5:47
  See,
• 5:47
  in
• 5:47
  the
• 5:47
  end,
• 5:48
  it's
• 5:48
  all
• 5:48
  about
• 5:48
  impact
• 5:49
  over
• 5:49
  impulse.
• 5:52
  From
• 5:52
  a
• 5:52
  practical
• 5:53
  perspective,
• 5:53
  one
• 5:53
  thing
• 5:53
  I'm
• 5:54
  going
• 5:54
  to
• 5:54
  encourage
• 5:54
  you
• 5:54
  to
• 5:54
  do
• 5:54
  is
• 5:55
  move
• 5:55
  it
• 5:55
  out
• 5:55
  of
• 5:55
  your
• 5:55
  checking
• 5:56
  account
• 5:56
  quickly.
• 5:57
  Listen,
• 5:57
  checking
• 5:58
  accounts
• 5:58
  are
• 5:58
  spending
• 5:59
  zones.
• 6:00
  If
• 6:00
  the
• 6:00
  bonus
• 6:01
  sits
• 6:01
  there,
• 6:02
  it's
• 6:02
  going
• 6:02
  to
• 6:02
  dissolve.
• 6:04
  So
• 6:04
  instantly
• 6:05
  transfer
• 6:06
  it
• 6:06
  to
• 6:06
  savings
• 6:06
  or
• 6:07
  to
• 6:07
  debt
• 6:07
  payment
• 6:08
  or
• 6:08
  even
• 6:08
  a
• 6:08
  separate
• 6:09
  account.
• 6:09
  I
• 6:09
  love
• 6:09
  separate
• 6:10
  accounts
• 6:11
  because
• 6:11
  that
• 6:12
  distance
• 6:12
  creates
• 6:13
  discipline
• 6:13
  and
• 6:13
  that's
• 6:14
  what
• 6:14
  you
• 6:14
  really
• 6:14
  need.
• 6:16
  But
• 6:16
  don't
• 6:16
  forget
• 6:16
  to
• 6:17
  celebrate
• 6:17
  intentionally.
• 6:19
  You
• 6:20
  won't
• 6:20
  hear
• 6:20
  this
• 6:20
  on
• 6:20
  a
• 6:20
  lot
• 6:21
  of
• 6:21
  financial
• 6:21
  guru
• 6:22
  shows.
• 6:23
  You're
• 6:23
  allowed
• 6:24
  joy
• 6:24
  in
• 6:24
  your
• 6:25
  life.
• 6:26
  You're
• 6:26
  allowed
• 6:27
  to
• 6:27
  spend
• 6:27
  on
• 6:27
  yourself.
• 6:28
  I
• 6:28
  did
• 6:28
  a
• 6:28
  show
• 6:28
  a
• 6:28
  few
• 6:28
  weeks
• 6:29
  ago
• 6:29
  about
• 6:29
  go
• 6:29
  buy
• 6:29
  something
• 6:30
  for
• 6:30
  yourself,
• 6:32
  but
• 6:32
  choose
• 6:33
  it,
• 6:34
  plan
• 6:34
  it.
• 6:36
  Hey,
• 6:36
  if
• 6:36
  you
• 6:36
  think
• 6:36
  20%
• 6:37
  is
• 6:37
  for
• 6:37
  enjoyment,
• 6:38
  enjoy
• 6:38
  it.
• 6:39
  Enjoy
• 6:39
  it
• 6:39
  fully.
• 6:40
  Go
• 6:40
  do
• 6:40
  all
• 6:40
  the
• 6:41
  things
• 6:41
  that
• 6:41
  meet
• 6:41
  that
• 6:42
  20%.
• 6:43
  Because
• 6:44
  here's
• 6:44
  the
• 6:44
  thing,
• 6:44
  friend,
• 6:45
  guilt
• 6:45
  free
• 6:46
  celebration
• 6:46
  is
• 6:47
  healthier
• 6:47
  than
• 6:47
  accidental
• 6:48
  waste.
• 6:50
  So
• 6:50
  in
• 6:51
  the
• 6:51
  end,
• 6:51
  I
• 6:51
  want
• 6:51
  to
• 6:51
  leave
• 6:51
  you
• 6:51
  with
• 6:51
  this.
• 6:52
  Direct
• 6:52
  it,
• 6:53
  don't
• 6:54
  drift
• 6:54
  it.
• 6:56
  So
• 6:56
  here's
• 6:56
  your
• 6:56
  win
• 6:56
  for
• 6:56
  today.
• 6:58
  Before
• 6:58
  today
• 6:59
  ends,
• 7:00
  I
• 7:00
  want
• 7:00
  you
• 7:00
  to
• 7:00
  sign
• 7:01
  every
• 7:01
  dollar
• 7:01
  of
• 7:02
  that
• 7:02
  bonus
• 7:02
  on
• 7:02
  paper.
• 7:03
  Maybe
• 7:03
  you've
• 7:03
  got
• 7:03
  a
• 7:03
  tax
• 7:04
  refund
• 7:04
  due.
• 7:04
  You're
• 7:04
  like,
• 7:05
  hey,
• 7:05
  Ralph,
• 7:05
  I
• 7:05
  just
• 7:05
  went
• 7:05
  to
• 7:05
  the
• 7:06
  tax
• 7:06
  guy,
• 7:06
  we're
• 7:07
  getting
• 7:07
  a
• 7:07
  refund.
• 7:08
  Don't
• 7:09
  wait.
• 7:10
  Plan
• 7:10
  that
• 7:10
  out
• 7:10
  right
• 7:10
  now.
• 7:11
  Not
• 7:11
  in
• 7:11
  your
• 7:11
  head
• 7:11
  on
• 7:12
  paper.
• 7:13
  Write
• 7:13
  it
• 7:13
  down.
• 7:13
  50%
• 7:14
  goes
• 7:14
  here,
• 7:15
  30%
• 7:15
  goes
• 7:16
  there,
• 7:16
  20%
• 7:17
  goes
• 7:17
  there.
• 7:19
  That
• 7:19
  clarity
• 7:19
  will
• 7:20
  prevent
• 7:20
  disappearance,
• 7:22
  which
• 7:22
  leads
• 7:22
  me
• 7:23
  to
• 7:23
  today's
• 7:23
  Bible
• 7:23
  verse.
• 7:24
  If
• 7:24
  you've
• 7:24
  listened
• 7:24
  to
• 7:24
  the
• 7:24
  show,
• 7:25
  I've
• 7:25
  probably
• 7:25
  used
• 7:25
  this
• 7:26
  one
• 7:26
  a
• 7:26
  dozen
• 7:27
  times,
• 7:27
  but
• 7:27
  it
• 7:27
  fits
• 7:28
  it.
• 7:28
  It's
• 7:29
  Proverbs
• 7:29
  21:5.
• 7:30
  Listen,
• 7:30
  if
• 7:30
  you
• 7:30
  want
• 7:31
  guidance
• 7:31
  and
• 7:32
  things
• 7:32
  from
• 7:32
  the
• 7:32
  Bible
• 7:32
  to
• 7:33
  how
• 7:33
  to
• 7:33
  do
• 7:33
  things
• 7:33
  right,
• 7:34
  read
• 7:34
  the
• 7:34
  book
• 7:34
  of
• 7:34
  Proverbs.
• 7:35
  But
• 7:35
  this
• 7:35
  is
• 7:35
  Proverbs
• 7:36
  21:5.
• 7:38
  The
• 7:38
  plans
• 7:38
  of
• 7:39
  the
• 7:39
  diligent
• 7:39
  lead
• 7:40
  to
• 7:40
  profit
• 7:41
  as
• 7:41
  surely
• 7:41
  as
• 7:42
  haste
• 7:42
  leads
• 7:42
  to
• 7:43
  poverty.
• 7:45
  What
• 7:45
  is
• 7:45
  it
• 7:45
  telling
• 7:45
  us?
• 7:47
  Diligence,
• 7:48
  not
• 7:49
  speed,
• 7:49
  not
• 7:50
  emotion.
• 7:51
  Diligence
• 7:52
  turns
• 7:52
  extra
• 7:53
  money
• 7:53
  into
• 7:53
  lasting
• 7:54
  progress.
• 7:56
  Well,
• 7:56
  let's
• 7:56
  pray
• 7:56
  right
• 7:56
  now.
• 7:58
  Lord,
• 7:58
  we
• 7:58
  just
• 7:58
  want
• 7:59
  to
• 7:59
  thank
• 7:59
  you
• 7:59
  right
• 7:59
  now
• 7:59
  for
• 7:59
  your
• 8:00
  provision.
• 8:01
  And
• 8:02
  I
• 8:02
  want
• 8:02
  you
• 8:02
  to
• 8:02
  right
• 8:02
  now
• 8:02
  to
• 8:03
  help
• 8:03
  my
• 8:03
  friend
• 8:03
  steward
• 8:04
  this
• 8:04
  bonus
• 8:04
  wisely.
• 8:06
  Protect
• 8:07
  them
• 8:07
  and
• 8:07
  all
• 8:07
  of
• 8:07
  us
• 8:07
  from
• 8:08
  that
• 8:08
  impulse
• 8:08
  spending
• 8:09
  and
• 8:09
  from
• 8:09
  that
• 8:09
  feeling
• 8:10
  of
• 8:10
  guilt.
• 8:12
  And
• 8:12
  God,
• 8:13
  guide
• 8:13
  us
• 8:13
  towards
• 8:13
  decisions
• 8:14
  that
• 8:14
  create
• 8:14
  lasting
• 8:15
  stability.
• 8:16
  Give
• 8:17
  us
• 8:17
  discipline
• 8:17
  to
• 8:18
  pause
• 8:18
  and
• 8:18
  clarity,
• 8:19
  to
• 8:19
  plan
• 8:19
  and
• 8:20
  enjoy.
• 8:21
  Lord,
• 8:22
  in
• 8:23
  using
• 8:23
  what
• 8:23
  you've
• 8:23
  given
• 8:24
  us,
• 8:24
  well,
• 8:25
  let
• 8:26
  this
• 8:26
  be
• 8:26
  a
• 8:26
  turning
• 8:26
  point
• 8:27
  in
• 8:27
  all
• 8:27
  of
• 8:27
  our
• 8:27
  lives.
• 8:28
  Not
• 8:28
  another
• 8:28
  cycle.
• 8:30
  And
• 8:30
  we
• 8:30
  ask
• 8:30
  this
• 8:31
  in
• 8:31
  the
• 8:31
  precious
• 8:32
  name
• 8:32
  of
• 8:32
  Jesus.
• 8:34
  Amen,
• 8:36
  friend.
• 8:36
  I
• 8:37
  just
• 8:37
  want
• 8:37
  to
• 8:37
  encourage
• 8:37
  you.
• 8:39
  Extra
• 8:40
  money
• 8:40
  becomes
• 8:40
  progress
• 8:42
  when
• 8:42
  you
• 8:42
  give
• 8:42
  it
• 8:42
  purpose.
• 8:44
  And
• 8:44
  you
• 8:44
  can
• 8:44
  do
• 8:44
  that.
• 8:45
  You
• 8:45
  can
• 8:45
  make
• 8:45
  your
• 8:45
  money
• 8:46
  have
• 8:46
  a
• 8:46
  purpose.
• 8:48
  And
• 8:48
  if
• 8:48
  you've
• 8:49
  got
• 8:49
  questions
• 8:49
  about
• 8:49
  your
• 8:50
  finances,
• 8:50
  I
• 8:50
  would
• 8:51
  love
• 8:51
  to
• 8:51
  answer
• 8:51
  them
• 8:51
  this.
• 8:52
  My
• 8:52
  heart
• 8:52
  is
• 8:52
  for
• 8:53
  answering
• 8:53
  questions.
• 8:54
  You
• 8:54
  can
• 8:55
  send
• 8:55
  us
• 8:55
  a
• 8:55
  question
• 8:55
  by
• 8:56
  going
• 8:56
  to
• 8:56
  financiallyconfidentchristian.com/question
• 9:01
  We'll
• 9:01
  put
• 9:01
  a
• 9:01
  link
• 9:01
  in
• 9:01
  the
• 9:01
  show
• 9:02
  notes,
• 9:02
  but
• 9:02
  again,
• 9:02
  that's
• 9:03
  financiallyconfidentchristian.com/question.
• 9:07
  I
• 9:08
  just
• 9:08
  want
• 9:08
  to
• 9:08
  thank
• 9:08
  you
• 9:08
  for
• 9:09
  joining
• 9:09
  me
• 9:09
  today.
• 9:10
  I
• 9:10
  want
• 9:10
  to
• 9:10
  encourage
• 9:11
  you.
• 9:11
  I
• 9:11
  want
• 9:11
  to
• 9:11
  build
• 9:11
  you
• 9:12
  up
• 9:12
  to
• 9:12
  stay
• 9:12
  financially
• 9:13
  savvy.
• 9:14
  May
• 9:14
  God
• 9:14
  bless
• 9:15
  you.
• 9:15
  Don't
• 9:15
  ever
• 9:15
  forget
• 9:16
  the
• 9:16
  provision
• 9:16
  he's
• 9:16
  given
• 9:16
  you
• 9:17
  in
• 9:17
  your
• 9:17
  life.
• 9:18
  And
• 9:18
  you
• 9:19
  have
• 9:19
  a
• 9:19
  great
• 9:19
  day
• 9:19
  today.