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What Do You Do When Medicaid Stops Covering Care? · Becoming Financially Confident

• 0:37
  What
• 0:37
  do
• 0:37
  you
• 0:38
  do
• 0:38
  when
• 0:38
  the
• 0:38
  cost
• 0:38
  of
• 0:39
  care
• 0:39
  is
• 0:39
  more
• 0:40
  than
• 0:40
  you
• 0:40
  could
• 0:40
  ever
• 0:41
  afford,
• 0:43
  when
• 0:43
  something
• 0:43
  unexpected
• 0:44
  happens
• 0:45
  and
• 0:45
  now
• 0:45
  the
• 0:46
  system
• 0:46
  that
• 0:46
  was
• 0:46
  helping
• 0:47
  you
• 0:47
  is
• 0:47
  about
• 0:47
  to
• 0:48
  stop
• 0:49
  that
• 0:50
  fear,
• 0:51
  that
• 0:51
  pressure
• 0:51
  of
• 0:52
  not
• 0:52
  knowing
• 0:52
  what
• 0:52
  comes
• 0:53
  next?
• 0:54
  Well,
• 0:54
  if
• 0:54
  you've
• 0:54
  ever
• 0:55
  felt
• 0:55
  overwhelmed
• 0:56
  trying
• 0:56
  to
• 0:56
  figure
• 0:56
  out
• 0:56
  how
• 0:56
  to
• 0:57
  care
• 0:57
  for
• 0:57
  someone
• 0:57
  you
• 0:58
  love,
• 0:59
  today
• 0:59
  we're
• 0:59
  going
• 0:59
  to
• 0:59
  walk
• 0:59
  through
• 1:00
  this
• 1:00
  together
• 1:00
  and
• 1:00
  I'm
• 1:01
  going
• 1:01
  to
• 1:01
  answer
• 1:02
  a
• 1:02
  heartfelt
• 1:02
  question
• 1:03
  from
• 1:03
  one
• 1:03
  of
• 1:03
  our
• 1:04
  listeners.
• 1:24
  Hello,
• 1:24
  friend,
• 1:25
  Ralph
• 1:25
  Estep
• 1:25
  Jr.
• 1:26
  Here.
• 1:26
  This
• 1:27
  is
• 1:27
  financially
• 1:28
  confident
• 1:28
  Christian,
• 1:29
  where
• 1:29
  every
• 1:30
  day
• 1:30
  my
• 1:30
  goal
• 1:30
  is
• 1:31
  to
• 1:31
  help
• 1:31
  you
• 1:31
  break
• 1:31
  that
• 1:32
  cycle
• 1:32
  of
• 1:32
  financial
• 1:33
  shame
• 1:33
  and,
• 1:34
  and
• 1:34
  live
• 1:34
  in
• 1:34
  confidence.
• 1:36
  And
• 1:36
  man,
• 1:36
  we
• 1:37
  got
• 1:37
  a
• 1:37
  tough
• 1:37
  question
• 1:37
  today
• 1:38
  from
• 1:38
  one
• 1:38
  of
• 1:38
  our
• 1:39
  listeners
• 1:39
  and
• 1:40
  that's
• 1:40
  all
• 1:40
  about
• 1:40
  what
• 1:41
  to
• 1:41
  do
• 1:41
  when
• 1:41
  Medicaid
• 1:42
  coverage
• 1:42
  is
• 1:42
  ending
• 1:43
  and
• 1:43
  you're
• 1:44
  facing
• 1:44
  overwhelming
• 1:45
  care
• 1:46
  costs.
• 1:47
  Let's
• 1:47
  get
• 1:47
  right
• 1:47
  into
• 1:48
  today's
• 1:48
  listener
• 1:48
  question.
• 1:49
  This
• 1:49
  actually
• 1:49
  comes
• 1:49
  from
• 1:50
  somebody
• 1:50
  named
• 1:51
  Jennifer.
• 1:52
  And
• 1:52
  Jennifer
• 1:53
  writes
• 1:53
  this.
• 1:53
  Ralph,
• 1:53
  this
• 1:54
  is
• 1:54
  Jennifer.
• 1:55
  My
• 1:55
  older
• 1:56
  brother
• 1:56
  James
• 1:56
  faced
• 1:57
  something
• 1:57
  unexpected
• 1:58
  this
• 1:58
  year.
• 1:59
  He
• 1:59
  had
• 1:59
  to
• 2:00
  stop
• 2:00
  his
• 2:00
  part
• 2:00
  time
• 2:01
  job
• 2:01
  and
• 2:01
  had
• 2:02
  a
• 2:02
  below
• 2:02
  the
• 2:02
  knee
• 2:02
  leg
• 2:03
  amputation
• 2:04
  at
• 2:05
  age
• 2:05
  57.
• 2:07
  I'm
• 2:07
  going
• 2:07
  to
• 2:07
  pause
• 2:07
  for
• 2:08
  a
• 2:08
  second.
• 2:08
  I'm
• 2:09
  so
• 2:09
  sorry
• 2:10
  what
• 2:10
  you're
• 2:10
  going
• 2:10
  through,
• 2:11
  both
• 2:11
  James
• 2:11
  and
• 2:12
  Jennifer
• 2:13
  now.
• 2:13
  Right
• 2:14
  now
• 2:14
  he's
• 2:14
  in
• 2:14
  a
• 2:14
  skilled
• 2:15
  nursing
• 2:15
  and
• 2:15
  hopefully
• 2:16
  starting
• 2:16
  physical
• 2:16
  therapy
• 2:17
  soon.
• 2:18
  But
• 2:18
  here's
• 2:18
  the
• 2:19
  problem.
• 2:19
  Currently
• 2:20
  Medicaid
• 2:20
  is
• 2:21
  paying
• 2:21
  100%
• 2:22
  for
• 2:22
  everything.
• 2:23
  But
• 2:24
  because
• 2:24
  his
• 2:24
  income
• 2:25
  and
• 2:25
  assets
• 2:25
  are
• 2:25
  over
• 2:26
  the
• 2:26
  Medicaid
• 2:26
  limit,
• 2:27
  he's
• 2:28
  going
• 2:28
  to
• 2:28
  lose
• 2:28
  his
• 2:28
  coverage
• 2:29
  on
• 2:29
  May
• 2:29
  31.
• 2:31
  We're
• 2:31
  being
• 2:31
  told
• 2:32
  it
• 2:32
  could
• 2:32
  cost
• 2:32
  around
• 2:33
  $10,000
• 2:34
  a
• 2:34
  month
• 2:35
  for
• 2:35
  the
• 2:35
  nursing
• 2:36
  home
• 2:36
  alone,
• 2:37
  not
• 2:37
  including
• 2:38
  his
• 2:38
  diabetic
• 2:39
  prescriptions,
• 2:40
  his
• 2:40
  inpatient
• 2:41
  hospital
• 2:41
  care
• 2:42
  and
• 2:42
  outpatient
• 2:43
  surgeries.
• 2:45
  Ralph,
• 2:45
  I
• 2:45
  honestly
• 2:46
  don't
• 2:46
  know
• 2:46
  what
• 2:46
  we're
• 2:47
  supposed
• 2:47
  to
• 2:47
  do
• 2:47
  next.
• 2:49
  What
• 2:49
  can
• 2:49
  he
• 2:49
  look
• 2:49
  into
• 2:50
  to
• 2:50
  replace
• 2:50
  this
• 2:51
  coverage
• 2:51
  once
• 2:52
  Medicaid
• 2:53
  stops
• 2:53
  paying?
• 2:57
  Now,
• 2:57
  Jennifer,
• 2:57
  this
• 2:57
  one
• 2:57
  hits
• 2:58
  a
• 2:58
  little
• 2:58
  close
• 2:58
  to
• 2:58
  home
• 2:58
  for
• 2:59
  me.
• 3:00
  And
• 3:01
  what
• 3:01
  I
• 3:01
  want
• 3:01
  to
• 3:01
  say
• 3:01
  to
• 3:02
  you
• 3:02
  at
• 3:02
  the
• 3:02
  beginning,
• 3:03
  what
• 3:04
  you
• 3:04
  and
• 3:04
  your
• 3:04
  brother
• 3:05
  are
• 3:05
  facing
• 3:05
  is
• 3:05
  incredibly
• 3:06
  heavy.
• 3:08
  It's
• 3:08
  tough.
• 3:08
  As
• 3:09
  a
• 3:09
  diabetic,
• 3:10
  I
• 3:10
  understand
• 3:11
  what
• 3:11
  happens
• 3:12
  with
• 3:12
  the
• 3:12
  amputations.
• 3:13
  This
• 3:13
  is
• 3:13
  all
• 3:13
  part
• 3:14
  of
• 3:14
  that
• 3:14
  diabetic
• 3:15
  situation.
• 3:16
  And
• 3:16
  I'm
• 3:16
  so
• 3:16
  sorry
• 3:17
  that
• 3:17
  you
• 3:18
  and
• 3:18
  your
• 3:18
  brother
• 3:18
  are
• 3:19
  going
• 3:19
  through
• 3:19
  this.
• 3:20
  But
• 3:21
  right
• 3:21
  now
• 3:21
  I
• 3:21
  know
• 3:21
  something.
• 3:22
  This
• 3:22
  isn't
• 3:22
  just
• 3:23
  financial.
• 3:24
  If
• 3:24
  it
• 3:25
  was
• 3:25
  just
• 3:25
  financial,
• 3:25
  I
• 3:26
  could
• 3:26
  probably
• 3:26
  give
• 3:26
  you
• 3:26
  an
• 3:27
  answer
• 3:28
  and
• 3:28
  we'd
• 3:28
  be
• 3:28
  great.
• 3:28
  But
• 3:29
  this
• 3:29
  isn't
• 3:29
  that.
• 3:29
  This
• 3:30
  is
• 3:30
  physical,
• 3:31
  this
• 3:31
  is
• 3:31
  emotional.
• 3:32
  And
• 3:33
  Jennifer,
• 3:33
  it's
• 3:34
  spiritual.
• 3:36
  And
• 3:37
  it
• 3:37
  makes
• 3:37
  sense
• 3:37
  that
• 3:37
  this
• 3:38
  feels
• 3:38
  overwhelming
• 3:39
  to
• 3:39
  you.
• 3:40
  But
• 3:40
  I
• 3:40
  want
• 3:41
  you
• 3:41
  to
• 3:41
  know
• 3:41
  you're
• 3:41
  not
• 3:41
  without
• 3:42
  options,
• 3:43
  but
• 3:43
  bigger
• 3:44
  than
• 3:44
  that,
• 3:44
  Jennifer,
• 3:44
  you're
• 3:45
  not
• 3:45
  walking
• 3:45
  through
• 3:45
  this
• 3:45
  alone.
• 3:46
  I
• 3:46
  am
• 3:46
  so
• 3:46
  happy
• 3:46
  to
• 3:46
  be
• 3:47
  able
• 3:47
  to
• 3:47
  help
• 3:47
  you
• 3:47
  today.
• 3:49
  And
• 3:49
  when
• 3:49
  that
• 3:49
  path
• 3:50
  feels
• 3:50
  uncertain,
• 3:50
  whatever's
• 3:51
  going
• 3:51
  on
• 3:51
  in
• 3:52
  your
• 3:52
  life,
• 3:53
  God
• 3:54
  is
• 3:54
  still
• 3:54
  there
• 3:54
  to
• 3:54
  guide
• 3:55
  you
• 3:55
  step
• 3:55
  by
• 3:55
  step.
• 3:56
  But
• 3:57
  right
• 3:57
  now,
• 3:57
  I
• 3:57
  want
• 3:57
  to
• 3:57
  walk
• 3:58
  through
• 3:58
  some
• 3:58
  practical
• 3:58
  things.
• 3:59
  Jennifer,
• 3:59
  you
• 3:59
  asked
• 4:00
  me
• 4:00
  for
• 4:00
  some
• 4:00
  practical
• 4:01
  advice,
• 4:01
  and
• 4:01
  I'm
• 4:02
  going
• 4:02
  to
• 4:02
  do
• 4:02
  my
• 4:02
  best
• 4:02
  to
• 4:02
  give
• 4:03
  it
• 4:03
  to
• 4:03
  you.
• 4:03
  So
• 4:03
  the
• 4:03
  first
• 4:04
  thing
• 4:05
  understand
• 4:05
  what's
• 4:06
  actually
• 4:06
  changing.
• 4:08
  What
• 4:08
  you
• 4:08
  said
• 4:08
  in
• 4:08
  your
• 4:09
  letter
• 4:09
  is
• 4:09
  right
• 4:09
  now
• 4:10
  Medicaid
• 4:10
  is
• 4:11
  covering
• 4:11
  everything,
• 4:12
  which
• 4:13
  is
• 4:13
  probably
• 4:13
  a
• 4:13
  pretty
• 4:13
  good
• 4:14
  thing
• 4:14
  because
• 4:14
  it
• 4:14
  sounds
• 4:15
  like
• 4:15
  your
• 4:15
  brother's
• 4:15
  been
• 4:16
  in
• 4:16
  a
• 4:16
  tough
• 4:16
  situation.
• 4:18
  And
• 4:18
  what's
• 4:18
  changing
• 4:19
  is
• 4:19
  eligibility.
• 4:21
  And
• 4:21
  that's
• 4:21
  simply
• 4:22
  because
• 4:22
  of
• 4:22
  the
• 4:22
  way
• 4:22
  Medicaid
• 4:23
  works.
• 4:24
  Medicaid
• 4:24
  looks
• 4:24
  at
• 4:24
  your
• 4:25
  income
• 4:25
  and
• 4:25
  your
• 4:26
  assets,
• 4:27
  and
• 4:27
  based
• 4:27
  on
• 4:28
  his
• 4:28
  income
• 4:28
  and
• 4:28
  assets,
• 4:29
  he
• 4:29
  no
• 4:30
  longer
• 4:30
  qualifies
• 4:31
  under
• 4:31
  those
• 4:31
  current
• 4:32
  limits.
• 4:33
  That's
• 4:33
  just
• 4:34
  a
• 4:34
  fact.
• 4:34
  There's
• 4:34
  not
• 4:34
  much
• 4:35
  we
• 4:35
  can
• 4:35
  do
• 4:35
  to
• 4:35
  argue
• 4:36
  that.
• 4:37
  So
• 4:37
  then
• 4:37
  the
• 4:37
  question
• 4:37
  becomes,
• 4:38
  though,
• 4:38
  is
• 4:39
  there
• 4:39
  a
• 4:39
  way
• 4:39
  to
• 4:39
  restructure
• 4:40
  so
• 4:41
  he
• 4:41
  can
• 4:41
  qualify
• 4:42
  again?
• 4:43
  Maybe
• 4:43
  there's
• 4:43
  a
• 4:43
  way
• 4:44
  to
• 4:44
  restructure.
• 4:44
  I'm
• 4:44
  going
• 4:44
  to
• 4:45
  talk
• 4:45
  to
• 4:45
  you
• 4:45
  a
• 4:45
  little
• 4:45
  bit
• 4:45
  about
• 4:46
  how
• 4:46
  to
• 4:46
  do
• 4:46
  that,
• 4:46
  but
• 4:47
  maybe
• 4:47
  that's
• 4:47
  the
• 4:47
  first
• 4:47
  step,
• 4:48
  is
• 4:48
  how
• 4:48
  do
• 4:49
  you
• 4:49
  restructure
• 4:49
  this
• 4:50
  so
• 4:50
  that
• 4:50
  he
• 4:50
  fits
• 4:51
  in
• 4:51
  those
• 4:51
  parameters
• 4:52
  again?
• 4:52
  Or
• 4:53
  maybe
• 4:53
  that's
• 4:53
  not
• 4:54
  going
• 4:54
  to
• 4:54
  work
• 4:54
  and
• 4:54
  you've
• 4:55
  got
• 4:55
  to
• 4:55
  start
• 4:55
  thinking
• 4:55
  about
• 4:56
  what
• 4:56
  other
• 4:56
  support
• 4:57
  systems
• 4:57
  can
• 4:58
  step
• 4:58
  in.
• 4:59
  But
• 4:59
  you
• 4:59
  got
• 5:00
  to
• 5:00
  understand
• 5:00
  from
• 5:00
  the
• 5:01
  beginning
• 5:01
  that
• 5:01
  shift
• 5:02
  is
• 5:02
  going
• 5:02
  to
• 5:02
  help
• 5:03
  you
• 5:03
  focus
• 5:03
  on
• 5:03
  the
• 5:04
  next
• 5:04
  right
• 5:04
  move.
• 5:05
  Well,
• 5:05
  here's
• 5:06
  my
• 5:06
  next
• 5:06
  right
• 5:06
  move
• 5:07
  for
• 5:07
  you.
• 5:07
  This
• 5:08
  is
• 5:08
  not
• 5:08
  an
• 5:08
  area
• 5:08
  that
• 5:09
  I
• 5:09
  have
• 5:09
  a
• 5:09
  ton
• 5:09
  of
• 5:09
  expertise
• 5:10
  in,
• 5:10
  but
• 5:11
  I
• 5:11
  know
• 5:11
  how
• 5:11
  to
• 5:11
  find
• 5:12
  people
• 5:12
  that
• 5:12
  can.
• 5:13
  So
• 5:13
  the
• 5:13
  next
• 5:13
  thing
• 5:14
  I
• 5:14
  want
• 5:14
  you
• 5:14
  to
• 5:14
  do
• 5:15
  is
• 5:15
  speak
• 5:15
  to
• 5:15
  a
• 5:16
  Medicaid
• 5:16
  planner
• 5:17
  or
• 5:17
  maybe
• 5:17
  even
• 5:18
  an
• 5:18
  elder
• 5:18
  law
• 5:19
  attorney.
• 5:19
  Now,
• 5:19
  you
• 5:20
  said
• 5:20
  Your
• 5:20
  brother
• 5:20
  is
• 5:21
  57.
• 5:22
  He's
• 5:22
  not
• 5:22
  a
• 5:23
  real
• 5:23
  old
• 5:23
  guy,
• 5:24
  but
• 5:24
  he's
• 5:24
  definitely
• 5:25
  experiencing
• 5:25
  something
• 5:26
  that's
• 5:26
  going
• 5:26
  to
• 5:26
  be
• 5:27
  impactful
• 5:28
  with
• 5:28
  an
• 5:28
  amputation
• 5:29
  like
• 5:29
  that.
• 5:30
  The
• 5:30
  work
• 5:30
  I
• 5:30
  don't.
• 5:31
  You
• 5:31
  didn't
• 5:31
  mention
• 5:31
  what
• 5:31
  kind
• 5:31
  of
• 5:32
  work
• 5:32
  your
• 5:32
  brother
• 5:32
  does.
• 5:33
  It
• 5:33
  may
• 5:33
  very
• 5:34
  well
• 5:34
  be
• 5:34
  that
• 5:34
  he
• 5:34
  can't
• 5:35
  do
• 5:35
  the
• 5:35
  work
• 5:35
  he
• 5:35
  was
• 5:35
  doing
• 5:36
  before.
• 5:37
  But
• 5:37
  there
• 5:37
  are
• 5:37
  professionals
• 5:38
  who
• 5:38
  specialize
• 5:39
  in
• 5:39
  situations
• 5:40
  exactly
• 5:41
  like
• 5:41
  this.
• 5:42
  This
• 5:42
  may
• 5:42
  not
• 5:43
  be
• 5:43
  what
• 5:43
  you
• 5:43
  want
• 5:43
  to
• 5:43
  hear,
• 5:43
  but
• 5:44
  your
• 5:44
  brother's
• 5:44
  not
• 5:44
  the
• 5:44
  only
• 5:45
  one
• 5:45
  that's
• 5:45
  walked
• 5:46
  through
• 5:46
  this.
• 5:47
  But
• 5:47
  a
• 5:47
  Medicaid
• 5:48
  planner
• 5:48
  or
• 5:48
  an
• 5:49
  elder
• 5:49
  law
• 5:49
  attorney
• 5:50
  can
• 5:50
  help
• 5:50
  you
• 5:51
  figure
• 5:51
  out
• 5:51
  how
• 5:51
  to
• 5:51
  do
• 5:52
  this,
• 5:52
  because
• 5:52
  maybe
• 5:53
  there
• 5:53
  is
• 5:53
  a
• 5:53
  legally
• 5:54
  way
• 5:54
  to
• 5:54
  restructure
• 5:55
  his
• 5:55
  assets.
• 5:56
  Maybe
• 5:57
  an
• 5:57
  elder
• 5:57
  law
• 5:57
  attorney
• 5:58
  can
• 5:58
  say,
• 5:58
  well,
• 5:58
  if
• 5:58
  we
• 5:58
  do
• 5:59
  this,
• 5:59
  this
• 5:59
  and
• 5:59
  this.
• 5:59
  We
• 6:00
  can
• 6:00
  make
• 6:00
  this
• 6:00
  work.
• 6:01
  Maybe
• 6:01
  there
• 6:02
  are
• 6:02
  some
• 6:02
  spend
• 6:02
  down
• 6:03
  strategies.
• 6:03
  I
• 6:03
  work
• 6:04
  with
• 6:04
  clients
• 6:04
  all
• 6:04
  the
• 6:05
  time
• 6:05
  who
• 6:05
  are,
• 6:06
  maybe
• 6:06
  they
• 6:06
  have
• 6:06
  elderly
• 6:07
  parents
• 6:07
  who
• 6:07
  are
• 6:07
  going
• 6:08
  skilled
• 6:09
  nursing
• 6:09
  care.
• 6:09
  There
• 6:10
  is
• 6:10
  actually
• 6:10
  a
• 6:11
  way
• 6:11
  to
• 6:11
  spend
• 6:12
  down
• 6:12
  those
• 6:12
  assets.
• 6:14
  Maybe
• 6:14
  you've
• 6:14
  got
• 6:14
  to
• 6:14
  just
• 6:15
  simply
• 6:15
  determine
• 6:15
  if
• 6:15
  he
• 6:15
  can
• 6:16
  re
• 6:16
  qualify.
• 6:16
  Talk
• 6:17
  to
• 6:17
  that
• 6:17
  Medicaid
• 6:17
  planner
• 6:18
  and
• 6:18
  say,
• 6:18
  hey
• 6:18
  listen,
• 6:19
  we're
• 6:19
  in
• 6:19
  a
• 6:19
  bunch
• 6:20
  of
• 6:20
  problems
• 6:20
  here.
• 6:21
  Yeah,
• 6:21
  maybe
• 6:21
  my
• 6:22
  brother
• 6:22
  had
• 6:22
  income
• 6:23
  before
• 6:23
  and
• 6:24
  yes,
• 6:24
  maybe
• 6:24
  he
• 6:24
  has
• 6:25
  some
• 6:25
  assets,
• 6:26
  but
• 6:26
  right
• 6:27
  now
• 6:27
  he
• 6:27
  can't
• 6:28
  work.
• 6:28
  He's
• 6:29
  lost
• 6:29
  a
• 6:29
  good
• 6:30
  portion
• 6:30
  of
• 6:30
  his
• 6:30
  leg.
• 6:30
  I
• 6:31
  don't
• 6:31
  know
• 6:31
  what
• 6:31
  that
• 6:31
  looks
• 6:31
  like.
• 6:32
  What
• 6:32
  can
• 6:32
  you
• 6:33
  do
• 6:33
  to
• 6:33
  help
• 6:33
  us?
• 6:34
  But
• 6:34
  you
• 6:34
  got
• 6:34
  to
• 6:34
  go
• 6:35
  into
• 6:35
  protection
• 6:36
  mode.
• 6:36
  Try
• 6:36
  to
• 6:37
  protect
• 6:37
  as
• 6:37
  much
• 6:37
  as
• 6:38
  possible.
• 6:39
  Because
• 6:39
  the
• 6:39
  truth
• 6:39
  is
• 6:40
  these
• 6:40
  rules
• 6:40
  are
• 6:40
  complex,
• 6:41
  they're
• 6:42
  complicated
• 6:42
  things.
• 6:43
  But
• 6:43
  there
• 6:43
  are
• 6:43
  strategies
• 6:45
  and
• 6:45
  if
• 6:45
  you
• 6:45
  try
• 6:45
  to
• 6:45
  figure
• 6:46
  this
• 6:46
  out
• 6:46
  alone,
• 6:46
  and
• 6:46
  I'm
• 6:47
  so
• 6:47
  happy
• 6:47
  you
• 6:47
  reached
• 6:48
  out
• 6:48
  to
• 6:48
  me,
• 6:49
  when
• 6:49
  you
• 6:49
  try
• 6:49
  to
• 6:50
  figure
• 6:50
  this
• 6:50
  out
• 6:50
  on
• 6:50
  your
• 6:50
  own,
• 6:51
  it
• 6:51
  can
• 6:51
  cost
• 6:51
  you
• 6:51
  more
• 6:52
  in
• 6:52
  the
• 6:52
  long
• 6:52
  run.
• 6:53
  Here's
• 6:54
  another
• 6:54
  thing
• 6:54
  you
• 6:54
  can
• 6:54
  do
• 6:54
  right
• 6:55
  away.
• 6:55
  Ask
• 6:56
  the
• 6:56
  facility
• 6:56
  that
• 6:57
  he's
• 6:57
  at
• 6:57
  right
• 6:57
  now
• 6:58
  about
• 6:58
  any
• 6:58
  financial
• 6:59
  assistance
• 7:00
  options.
• 7:01
  Talk
• 7:01
  directly
• 7:02
  to
• 7:02
  the
• 7:02
  nursing
• 7:03
  facility.
• 7:04
  Hey,
• 7:04
  you
• 7:04
  know
• 7:04
  what,
• 7:04
  you
• 7:05
  can
• 7:05
  just
• 7:05
  ask
• 7:05
  them,
• 7:05
  hey,
• 7:05
  do
• 7:06
  you
• 7:06
  accept
• 7:06
  Medicaid
• 7:07
  pending?
• 7:08
  What
• 7:08
  I
• 7:08
  mean
• 7:08
  by
• 7:08
  that
• 7:09
  is
• 7:09
  maybe
• 7:09
  Medicaid's
• 7:10
  going
• 7:10
  to
• 7:10
  reconsider
• 7:11
  this
• 7:11
  because
• 7:11
  if
• 7:12
  your
• 7:12
  brother
• 7:12
  can't
• 7:13
  work
• 7:13
  or
• 7:14
  if
• 7:14
  he's
• 7:14
  in
• 7:14
  some
• 7:15
  kind
• 7:15
  of
• 7:15
  transitional
• 7:16
  plan,
• 7:17
  will
• 7:17
  they
• 7:18
  continue
• 7:18
  to
• 7:18
  let
• 7:18
  him
• 7:18
  stay
• 7:19
  there?
• 7:19
  I
• 7:19
  honestly
• 7:19
  don't
• 7:20
  think
• 7:20
  they're
• 7:20
  going
• 7:20
  to
• 7:20
  put
• 7:20
  him
• 7:20
  out
• 7:20
  on
• 7:21
  the
• 7:21
  street
• 7:21
  now.
• 7:21
  I
• 7:21
  don't
• 7:22
  know
• 7:22
  that
• 7:22
  for
• 7:22
  sure.
• 7:23
  Talk
• 7:23
  to
• 7:23
  the
• 7:24
  Medicaid
• 7:24
  planner,
• 7:25
  talk
• 7:25
  to
• 7:25
  the
• 7:25
  facility
• 7:26
  people.
• 7:26
  Maybe
• 7:27
  you
• 7:27
  can
• 7:27
  talk
• 7:27
  to
• 7:27
  them
• 7:27
  about
• 7:28
  any
• 7:28
  transitional
• 7:29
  programs
• 7:29
  they
• 7:29
  offer.
• 7:30
  Maybe
• 7:30
  they
• 7:31
  offer
• 7:31
  some
• 7:31
  financial
• 7:32
  hardship
• 7:32
  options.
• 7:34
  What
• 7:34
  I
• 7:34
  have
• 7:34
  seen
• 7:35
  talking
• 7:35
  with
• 7:35
  many
• 7:36
  clients
• 7:36
  over
• 7:36
  30
• 7:37
  years
• 7:37
  doing
• 7:37
  this
• 7:38
  kind
• 7:38
  of
• 7:38
  work.
• 7:39
  Some
• 7:39
  facilities,
• 7:40
  I
• 7:40
  say
• 7:40
  some
• 7:41
  will
• 7:41
  work
• 7:41
  with
• 7:42
  families
• 7:42
  during
• 7:42
  these
• 7:43
  transition.
• 7:44
  But
• 7:44
  don't
• 7:44
  assume
• 7:45
  there's
• 7:45
  no
• 7:45
  options.
• 7:46
  Ask
• 7:47
  the
• 7:47
  questions,
• 7:48
  be
• 7:48
  honest
• 7:48
  with
• 7:49
  them,
• 7:49
  be
• 7:49
  transparent
• 7:50
  with
• 7:50
  them.
• 7:50
  Say,
• 7:50
  listen,
• 7:50
  my
• 7:50
  brother's
• 7:51
  in
• 7:51
  a
• 7:51
  bad
• 7:51
  way.
• 7:52
  I'm
• 7:52
  trying
• 7:52
  to
• 7:52
  do
• 7:53
  everything
• 7:53
  I
• 7:53
  can,
• 7:53
  but
• 7:54
  I
• 7:54
  don't
• 7:54
  know
• 7:54
  what
• 7:54
  else
• 7:55
  to
• 7:55
  do.
• 7:56
  Which
• 7:56
  leads
• 7:56
  me
• 7:57
  to
• 7:57
  this.
• 7:57
  Explore
• 7:58
  additional
• 7:59
  coverage
• 7:59
  and
• 7:59
  support.
• 8:00
  There
• 8:00
  may
• 8:01
  be
• 8:01
  resources
• 8:01
  available
• 8:02
  depending
• 8:02
  on
• 8:03
  his
• 8:03
  situation.
• 8:04
  There's
• 8:04
  Medicare
• 8:05
  coverage
• 8:05
  for
• 8:06
  certain
• 8:06
  services.
• 8:07
  You
• 8:07
  mentioned
• 8:07
  Medicaid,
• 8:08
  but
• 8:09
  maybe
• 8:09
  Medicare.
• 8:09
  If
• 8:10
  he's
• 8:10
  got
• 8:10
  Social
• 8:10
  Security,
• 8:11
  maybe
• 8:11
  he
• 8:11
  needs
• 8:12
  to
• 8:12
  apply
• 8:12
  for
• 8:12
  Social
• 8:13
  Security
• 8:13
  disability
• 8:14
  benefits.
• 8:15
  If
• 8:15
  he
• 8:15
  does
• 8:15
  that,
• 8:16
  then
• 8:16
  maybe
• 8:16
  he
• 8:16
  qualifies
• 8:17
  for
• 8:17
  Medicare.
• 8:17
  There's
• 8:18
  a
• 8:18
  difference
• 8:18
  between
• 8:18
  Medicaid
• 8:19
  and
• 8:20
  Medicare.
• 8:20
  I'm
• 8:20
  not
• 8:20
  going
• 8:21
  to
• 8:21
  get
• 8:21
  into
• 8:21
  it
• 8:21
  today,
• 8:21
  but
• 8:22
  maybe
• 8:22
  he
• 8:22
  would
• 8:22
  qualify
• 8:23
  for
• 8:23
  that.
• 8:24
  Or
• 8:24
  maybe
• 8:24
  in
• 8:24
  your
• 8:25
  state
• 8:25
  there's
• 8:25
  some
• 8:25
  state
• 8:26
  specific
• 8:26
  assistance
• 8:27
  programs
• 8:28
  and
• 8:28
  also
• 8:29
  nonprofits
• 8:30
  or
• 8:30
  hospitals
• 8:31
  do
• 8:31
  offer
• 8:32
  financial
• 8:32
  aid.
• 8:33
  And
• 8:33
  this
• 8:33
  is
• 8:33
  where
• 8:34
  working
• 8:34
  with
• 8:34
  a
• 8:34
  social
• 8:35
  worker
• 8:35
  or
• 8:36
  a
• 8:36
  case
• 8:36
  manager
• 8:37
  can
• 8:37
  be
• 8:37
  incredibly
• 8:38
  helpful.
• 8:39
  Every
• 8:40
  single
• 8:40
  hospital,
• 8:41
  every
• 8:41
  health
• 8:42
  organization
• 8:42
  has
• 8:43
  folks
• 8:43
  that
• 8:44
  will
• 8:44
  come
• 8:44
  alongside
• 8:44
  of
• 8:45
  you
• 8:45
  and
• 8:45
  help
• 8:45
  you.
• 8:45
  Now
• 8:45
  listen,
• 8:46
  you
• 8:46
  may
• 8:46
  need
• 8:46
  to
• 8:46
  be
• 8:46
  persistent,
• 8:47
  you
• 8:47
  may
• 8:47
  need
• 8:48
  to
• 8:48
  kind
• 8:48
  of
• 8:48
  drag
• 8:48
  them
• 8:49
  kicking
• 8:49
  and
• 8:49
  screaming.
• 8:50
  But
• 8:50
  they
• 8:50
  often
• 8:51
  know
• 8:51
  what
• 8:51
  programs
• 8:52
  exist
• 8:52
  locally
• 8:53
  that
• 8:53
  most
• 8:53
  people
• 8:54
  don't
• 8:54
  even
• 8:54
  realize
• 8:55
  are
• 8:55
  available.
• 8:56
  So
• 8:57
  elicit
• 8:57
  that
• 8:58
  support
• 8:58
  from
• 8:58
  those
• 8:58
  people.
• 8:59
  But
• 9:00
  in
• 9:00
  the
• 9:00
  end,
• 9:00
  Jennifer,
• 9:01
  I
• 9:01
  want
• 9:01
  you
• 9:01
  to
• 9:01
  really
• 9:01
  focus
• 9:02
  on
• 9:02
  one
• 9:02
  step
• 9:02
  at
• 9:03
  a
• 9:03
  time.
• 9:04
  Because
• 9:04
  right
• 9:04
  now,
• 9:05
  when
• 9:05
  I
• 9:05
  reread
• 9:05
  your
• 9:06
  letter
• 9:06
  today,
• 9:07
  everything
• 9:07
  is
• 9:08
  hitting
• 9:08
  you
• 9:08
  at
• 9:08
  once.
• 9:09
  You've
• 9:10
  got
• 9:10
  the
• 9:10
  cost
• 9:10
  and
• 9:11
  the
• 9:11
  timeline,
• 9:12
  you
• 9:12
  love
• 9:12
  your
• 9:12
  brother,
• 9:13
  the
• 9:13
  uncertainty
• 9:13
  of
• 9:14
  all
• 9:14
  that.
• 9:15
  So
• 9:15
  don't
• 9:15
  try
• 9:16
  to
• 9:16
  solve
• 9:16
  everything
• 9:16
  today.
• 9:18
  You
• 9:18
  know,
• 9:18
  if
• 9:19
  you
• 9:19
  listen
• 9:19
  to
• 9:19
  the
• 9:19
  show,
• 9:19
  I
• 9:19
  always
• 9:20
  look
• 9:20
  at
• 9:20
  what's
• 9:20
  the
• 9:21
  next
• 9:21
  step.
• 9:22
  So
• 9:22
  pick
• 9:22
  that
• 9:23
  next
• 9:23
  step
• 9:23
  today.
• 9:24
  Maybe
• 9:24
  call
• 9:25
  and
• 9:25
  schedule
• 9:25
  with
• 9:26
  an
• 9:26
  elder
• 9:26
  law
• 9:26
  attorney
• 9:27
  or
• 9:27
  speak
• 9:27
  to
• 9:28
  the
• 9:28
  facility,
• 9:28
  connect
• 9:29
  with
• 9:29
  that
• 9:29
  case
• 9:29
  manager.
• 9:30
  But
• 9:30
  just
• 9:30
  do
• 9:31
  one
• 9:31
  thing
• 9:32
  because
• 9:32
  here's
• 9:33
  the
• 9:33
  thing
• 9:33
  I
• 9:33
  know
• 9:33
  about
• 9:33
  our
• 9:34
  Lord
• 9:35
  Provision
• 9:35
  often
• 9:36
  shows
• 9:36
  up
• 9:36
  just
• 9:37
  one
• 9:37
  step
• 9:37
  at
• 9:37
  a
• 9:37
  time.
• 9:38
  Which
• 9:38
  leads
• 9:39
  me
• 9:39
  to
• 9:39
  this.
• 9:40
  Invite
• 9:40
  God
• 9:41
  into
• 9:41
  the
• 9:41
  process.
• 9:42
  And
• 9:42
  Jennifer,
• 9:43
  you
• 9:43
  reached
• 9:43
  out
• 9:43
  to
• 9:44
  me,
• 9:44
  which
• 9:44
  tells
• 9:44
  me
• 9:44
  you're
• 9:44
  a
• 9:45
  listener
• 9:45
  to
• 9:45
  the
• 9:45
  show
• 9:46
  so
• 9:46
  you
• 9:46
  understand
• 9:47
  the
• 9:47
  connection
• 9:48
  between
• 9:48
  faith
• 9:48
  and
• 9:48
  finance.
• 9:49
  And
• 9:50
  like
• 9:50
  I
• 9:50
  said,
• 9:50
  Jennifer,
• 9:51
  this
• 9:51
  is
• 9:51
  not
• 9:51
  just
• 9:51
  a
• 9:52
  financial
• 9:52
  challenge.
• 9:54
  This
• 9:54
  is
• 9:54
  a
• 9:54
  moment
• 9:55
  in
• 9:55
  time
• 9:55
  where
• 9:55
  you
• 9:56
  need
• 9:56
  strength,
• 9:57
  you
• 9:57
  need
• 9:57
  wisdom,
• 9:58
  and
• 9:58
  yes,
• 9:59
  you
• 9:59
  need
• 9:59
  peace.
• 10:00
  And
• 10:00
  guess
• 10:01
  what?
• 10:01
  God
• 10:02
  is
• 10:02
  present
• 10:02
  in
• 10:03
  all
• 10:03
  of
• 10:03
  that.
• 10:04
  So
• 10:04
  reach
• 10:05
  up
• 10:05
  right
• 10:05
  now
• 10:05
  and
• 10:05
  pray
• 10:06
  for
• 10:06
  guidance.
• 10:07
  Pray
• 10:07
  for
• 10:07
  the
• 10:08
  right
• 10:08
  people
• 10:08
  to
• 10:08
  come
• 10:08
  alongside
• 10:09
  you.
• 10:10
  Pray
• 10:11
  for
• 10:11
  provision
• 10:11
  when
• 10:11
  right
• 10:12
  now,
• 10:12
  you
• 10:12
  don't
• 10:12
  think
• 10:12
  anything
• 10:13
  is
• 10:13
  possible.
• 10:13
  But
• 10:14
  I
• 10:14
  know
• 10:14
  we
• 10:14
  got
• 10:14
  a
• 10:14
  Lord
• 10:15
  that
• 10:15
  all
• 10:15
  things
• 10:15
  are
• 10:16
  possible.
• 10:17
  Because
• 10:17
  even
• 10:17
  here,
• 10:18
  right
• 10:18
  now,
• 10:19
  I
• 10:19
  truly
• 10:20
  believe
• 10:20
  this
• 10:20
  with
• 10:20
  all
• 10:21
  my
• 10:21
  heart.
• 10:21
  God
• 10:22
  is
• 10:22
  working
• 10:23
  in
• 10:23
  you
• 10:23
  and
• 10:23
  your
• 10:24
  brother's
• 10:24
  life.
• 10:24
  Even
• 10:25
  in
• 10:25
  this
• 10:25
  uncertainty,
• 10:27
  he
• 10:27
  is
• 10:27
  guiding
• 10:27
  you.
• 10:28
  But
• 10:29
  I
• 10:29
  want
• 10:29
  to
• 10:29
  encourage
• 10:29
  you,
• 10:30
  you
• 10:30
  don't
• 10:30
  have
• 10:30
  to
• 10:30
  figure
• 10:30
  this
• 10:30
  all
• 10:30
  out
• 10:31
  alone.
• 10:32
  So
• 10:32
  I
• 10:32
  don't
• 10:33
  really
• 10:33
  have
• 10:33
  a
• 10:33
  big
• 10:33
  win
• 10:34
  for
• 10:34
  you
• 10:34
  today.
• 10:34
  But
• 10:34
  here's
• 10:35
  one
• 10:35
  thing
• 10:35
  you
• 10:35
  could
• 10:35
  do,
• 10:35
  Jennifer,
• 10:36
  and
• 10:36
  if
• 10:36
  anybody
• 10:37
  else
• 10:37
  in
• 10:37
  the
• 10:37
  audience
• 10:38
  is
• 10:38
  facing
• 10:39
  these
• 10:39
  type
• 10:39
  of
• 10:39
  things,
• 10:40
  my
• 10:40
  wife
• 10:41
  faced
• 10:41
  this
• 10:41
  with
• 10:41
  her,
• 10:42
  her
• 10:42
  mother,
• 10:42
  my
• 10:43
  mother
• 10:43
  in
• 10:43
  law
• 10:43
  who
• 10:43
  has
• 10:44
  dementia.
• 10:44
  This
• 10:45
  is
• 10:45
  something
• 10:45
  I
• 10:45
  see
• 10:46
  a
• 10:46
  lot
• 10:46
  in
• 10:47
  my
• 10:47
  practice.
• 10:48
  But
• 10:48
  if
• 10:48
  you're
• 10:48
  dealing
• 10:49
  with
• 10:49
  this
• 10:49
  right
• 10:49
  now,
• 10:49
  schedule
• 10:50
  one
• 10:50
  conversation
• 10:51
  with
• 10:51
  a
• 10:51
  Medicaid
• 10:52
  planner,
• 10:52
  a
• 10:53
  case
• 10:53
  manager,
• 10:54
  or
• 10:54
  maybe
• 10:54
  that
• 10:54
  elder
• 10:55
  law
• 10:55
  attorney.
• 10:56
  That's
• 10:56
  it.
• 10:57
  Find
• 10:58
  the
• 10:58
  guidance.
• 10:59
  Because
• 10:59
  once
• 10:59
  you
• 10:59
  Find
• 11:00
  that
• 11:00
  right
• 11:00
  guidance.
• 11:01
  It
• 11:01
  can
• 11:01
  change
• 11:02
  everything
• 11:03
  about
• 11:03
  what's
• 11:04
  possible
• 11:04
  next.
• 11:05
  Well,
• 11:05
  let's
• 11:06
  go
• 11:06
  to
• 11:06
  the
• 11:06
  word.
• 11:06
  I
• 11:07
  found
• 11:07
  this
• 11:07
  verse
• 11:08
  in
• 11:08
  the
• 11:08
  book
• 11:09
  of
• 11:09
  James,
• 11:10
  chapter
• 11:10
  one,
• 11:10
  verse
• 11:11
  five.
• 11:12
  If
• 11:12
  any
• 11:13
  of
• 11:13
  you
• 11:13
  lacks
• 11:13
  wisdom,
• 11:14
  you
• 11:14
  should
• 11:15
  ask
• 11:15
  God,
• 11:16
  who
• 11:16
  gives
• 11:16
  generously
• 11:17
  to
• 11:17
  all
• 11:17
  without
• 11:18
  finding
• 11:19
  fault.
• 11:20
  Here's
• 11:20
  the
• 11:20
  best
• 11:21
  part.
• 11:21
  And
• 11:22
  it
• 11:22
  will
• 11:22
  be
• 11:23
  given
• 11:23
  to
• 11:24
  you.
• 11:26
  It
• 11:26
  will
• 11:26
  be.
• 11:28
  And
• 11:29
  here's
• 11:29
  why
• 11:29
  this
• 11:29
  fits
• 11:29
  today.
• 11:31
  And
• 11:31
  Jennifer,
• 11:31
  I
• 11:32
  know
• 11:32
  that
• 11:32
  you're
• 11:32
  feeling
• 11:32
  this
• 11:32
  right
• 11:33
  now.
• 11:34
  Even
• 11:34
  when
• 11:34
  you
• 11:34
  don't
• 11:34
  know
• 11:35
  what
• 11:35
  to
• 11:35
  do
• 11:35
  next.
• 11:36
  God
• 11:37
  asks
• 11:37
  you,
• 11:38
  invite
• 11:39
  you
• 11:39
  just
• 11:40
  say
• 11:40
  to
• 11:40
  God,
• 11:40
  listen,
• 11:40
  I
• 11:41
  don't
• 11:41
  know
• 11:41
  what
• 11:41
  to
• 11:41
  do
• 11:41
  next.
• 11:42
  And
• 11:42
  he's
• 11:43
  going
• 11:43
  to
• 11:43
  give
• 11:43
  you
• 11:43
  that
• 11:43
  wisdom
• 11:44
  for
• 11:44
  each
• 11:44
  step.
• 11:45
  Well,
• 11:45
  let's
• 11:45
  pray
• 11:46
  to
• 11:46
  God
• 11:46
  right
• 11:46
  now.
• 11:47
  Jennifer,
• 11:47
  again,
• 11:48
  thank
• 11:48
  you
• 11:48
  so
• 11:48
  much
• 11:48
  for
• 11:48
  your
• 11:49
  question.
• 11:50
  Heavenly
• 11:50
  Father,
• 11:51
  right
• 11:52
  now
• 11:52
  I
• 11:52
  just
• 11:52
  want
• 11:52
  to
• 11:53
  lift
• 11:53
  up
• 11:53
  Jennifer
• 11:53
  and
• 11:54
  her
• 11:54
  brother
• 11:54
  James.
• 11:56
  Lord,
• 11:56
  you
• 11:56
  see
• 11:57
  everything
• 11:57
  they're
• 11:57
  facing.
• 11:58
  You
• 11:59
  see
• 11:59
  those
• 11:59
  physical
• 12:00
  challenges,
• 12:00
  that
• 12:01
  financial
• 12:02
  pressure.
• 12:03
  And
• 12:03
  Lord,
• 12:03
  you
• 12:04
  see
• 12:04
  the
• 12:04
  uncertainty
• 12:04
  ahead
• 12:05
  in
• 12:05
  their
• 12:05
  minds.
• 12:06
  So
• 12:07
  right
• 12:07
  now,
• 12:07
  at
• 12:07
  this
• 12:07
  very
• 12:08
  moment,
• 12:08
  Lord,
• 12:08
  I
• 12:09
  ask
• 12:09
  that
• 12:09
  you
• 12:09
  provide
• 12:10
  them
• 12:10
  with
• 12:10
  wisdom
• 12:11
  for
• 12:11
  every
• 12:11
  decision
• 12:12
  they
• 12:12
  need
• 12:12
  to
• 12:12
  make.
• 12:13
  Lord,
• 12:14
  bring
• 12:14
  the
• 12:14
  right
• 12:14
  people
• 12:15
  into
• 12:15
  their
• 12:15
  path.
• 12:16
  People
• 12:17
  like
• 12:17
  advisors
• 12:18
  and
• 12:18
  professionals
• 12:19
  and
• 12:19
  helpers
• 12:20
  who
• 12:20
  can
• 12:20
  guide
• 12:20
  them
• 12:21
  well
• 12:21
  during
• 12:22
  this
• 12:22
  process.
• 12:23
  Lord,
• 12:24
  provide
• 12:24
  for
• 12:24
  their
• 12:25
  needs
• 12:25
  in
• 12:25
  ways
• 12:25
  they
• 12:25
  may
• 12:26
  not
• 12:26
  even
• 12:26
  expect
• 12:28
  and
• 12:28
  give
• 12:28
  them
• 12:29
  peace
• 12:29
  in
• 12:29
  the
• 12:29
  middle
• 12:30
  of
• 12:30
  this
• 12:30
  situation
• 12:31
  and
• 12:31
  strength
• 12:32
  for
• 12:32
  each
• 12:32
  and
• 12:33
  every
• 12:33
  day
• 12:33
  ahead.
• 12:35
  Lord,
• 12:35
  remind
• 12:35
  them
• 12:36
  they
• 12:36
  are
• 12:36
  not
• 12:36
  alone
• 12:37
  and
• 12:37
  that
• 12:38
  you
• 12:38
  are
• 12:38
  walking
• 12:38
  with
• 12:38
  them
• 12:39
  every
• 12:40
  single
• 12:40
  step
• 12:41
  of
• 12:41
  the
• 12:41
  way.
• 12:42
  And
• 12:43
  we
• 12:43
  thank
• 12:43
  you
• 12:43
  in
• 12:43
  Jesus
• 12:44
  name,
• 12:45
  Amen.
• 12:47
  Jennifer,
• 12:48
  you
• 12:48
  may
• 12:48
  not
• 12:48
  see
• 12:48
  the
• 12:49
  whole
• 12:49
  path,
• 12:50
  but
• 12:50
  I
• 12:50
  promise
• 12:51
  this,
• 12:52
  with
• 12:52
  the
• 12:52
  Lord
• 12:52
  at
• 12:52
  your
• 12:53
  side,
• 12:53
  you
• 12:53
  can
• 12:53
  take
• 12:54
  the
• 12:54
  next
• 12:54
  step.
• 12:56
  And
• 12:56
  right
• 12:56
  now,
• 12:56
  if
• 12:56
  you're
• 12:57
  walking
• 12:57
  through
• 12:57
  something
• 12:57
  like
• 12:58
  this
• 12:59
  and
• 12:59
  you
• 12:59
  want
• 12:59
  to
• 12:59
  share
• 13:00
  your
• 13:00
  situation
• 13:00
  or
• 13:01
  ask
• 13:01
  a
• 13:01
  question,
• 13:02
  you
• 13:02
  can
• 13:02
  leave
• 13:03
  me
• 13:03
  a
• 13:03
  voicemail
• 13:05
  at
• 13:06
  financiallyconfidentchristian.com/voicemail.
• 13:09
  We'll
• 13:09
  put
• 13:09
  a
• 13:09
  link
• 13:10
  in
• 13:10
  the
• 13:10
  show
• 13:10
  notes.
• 13:10
  It's
• 13:10
  simple.
• 13:11
  You
• 13:11
  just
• 13:11
  go
• 13:11
  to
• 13:11
  that
• 13:11
  website,
• 13:12
  click
• 13:12
  record,
• 13:13
  and
• 13:13
  that's
• 13:13
  it.
• 13:14
  I
• 13:14
  would
• 13:14
  love
• 13:14
  to
• 13:15
  hear
• 13:15
  what
• 13:15
  you're
• 13:15
  going
• 13:15
  through.
• 13:15
  Maybe
• 13:16
  there's
• 13:16
  a
• 13:16
  challenge,
• 13:17
  maybe
• 13:17
  there's
• 13:17
  a
• 13:17
  triumph.
• 13:18
  Maybe
• 13:18
  you
• 13:18
  just
• 13:18
  want
• 13:18
  to
• 13:18
  say,
• 13:18
  hey,
• 13:19
  Ralph,
• 13:19
  I
• 13:19
  just
• 13:19
  wanted
• 13:20
  to
• 13:20
  tell
• 13:20
  you
• 13:20
  I
• 13:21
  really
• 13:21
  like
• 13:21
  what
• 13:21
  you're
• 13:21
  doing
• 13:22
  here,
• 13:22
  but
• 13:22
  go
• 13:23
  to
• 13:23
  financiallyconfidentchristian.Com/Voicemail.
• 13:28
  Jennifer,
• 13:28
  again,
• 13:28
  thank
• 13:29
  you
• 13:29
  for
• 13:29
  your
• 13:29
  message
• 13:30
  today.
• 13:30
  I
• 13:31
  want
• 13:31
  to
• 13:31
  thank
• 13:31
  all
• 13:31
  of
• 13:31
  you
• 13:32
  for
• 13:32
  joining
• 13:32
  me
• 13:32
  today.
• 13:33
  Stay
• 13:33
  financially
• 13:34
  savvy.
• 13:34
  May
• 13:35
  God
• 13:35
  bless
• 13:35
  you
• 13:36
  and
• 13:36
  you
• 13:36
  have
• 13:36
  a
• 13:37
  truly
• 13:37
  great
• 13:37
  day
• 13:37
  today.