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Feeling Lost Heading Into January? · Becoming Financially Confident

• 0:37
  Does
• 0:37
  getting
• 0:38
  ready
• 0:38
  for
• 0:38
  the
• 0:38
  New
• 0:38
  Year
• 0:38
  feel
• 0:39
  overwhelming?
• 0:40
  Too
• 0:40
  much
• 0:40
  to
• 0:40
  do,
• 0:41
  not
• 0:41
  enough
• 0:41
  time,
• 0:42
  and
• 0:43
  somehow
• 0:43
  the
• 0:43
  mental
• 0:44
  load
• 0:44
  feels
• 0:44
  heavier
• 0:44
  than
• 0:44
  that
• 0:45
  actual
• 0:45
  to
• 0:45
  do
• 0:46
  list.
• 0:46
  Friend,
• 0:47
  I
• 0:47
  want
• 0:47
  you
• 0:47
  to
• 0:47
  hear
• 0:47
  me
• 0:48
  gently
• 0:49
  when
• 0:49
  life
• 0:49
  feels
• 0:50
  chaotic,
• 0:51
  order
• 0:51
  becomes
• 0:52
  oxygen
• 0:53
  because
• 0:53
  we
• 0:53
  need
• 0:54
  oxygen
• 0:54
  to
• 0:54
  breathe
• 0:55
  and
• 0:55
  you
• 0:55
  need
• 0:56
  order
• 0:56
  in
• 0:56
  your
• 0:56
  life
• 0:56
  to
• 0:56
  keep
• 0:57
  your
• 0:57
  peace.
• 0:58
  A
• 0:58
  short
• 0:58
  checklist
• 0:59
  today
• 0:59
  beats
• 0:59
  a
• 1:00
  long
• 1:00
  apology
• 1:00
  in
• 1:01
  January.
• 1:01
  You
• 1:02
  don't
• 1:02
  need
• 1:02
  to
• 1:02
  do
• 1:02
  everything.
• 1:03
  You
• 1:03
  just
• 1:03
  need
• 1:03
  to
• 1:04
  do
• 1:04
  the
• 1:04
  right
• 1:04
  things.
• 1:05
  Because
• 1:05
  a
• 1:06
  Focus
• 1:06
  5
• 1:06
  beats
• 1:07
  a
• 1:07
  frantic
• 1:07
  50
• 1:07
  every
• 1:08
  day.
• 1:08
  And
• 1:09
  I've
• 1:09
  got
• 1:09
  your
• 1:09
  Focus
• 1:09
  5
• 1:10
  on
• 1:10
  today's
• 1:10
  show.
• 1:32
  Friend
• 1:32
  Ralph
• 1:33
  Estepp
• 1:33
  Jr.
• 1:33
  Here.
• 1:34
  Welcome
• 1:34
  to
• 1:34
  Financially
• 1:35
  Confident
• 1:35
  Christian,
• 1:36
  where
• 1:36
  we
• 1:37
  learn
• 1:37
  how
• 1:37
  to
• 1:37
  walk
• 1:37
  through
• 1:37
  life
• 1:38
  and
• 1:38
  walk
• 1:38
  through
• 1:38
  money
• 1:39
  with
• 1:39
  wisdom,
• 1:39
  with
• 1:40
  clarity,
• 1:40
  and
• 1:41
  with
• 1:41
  a
• 1:41
  heart
• 1:41
  anchored
• 1:42
  in
• 1:42
  God's
• 1:42
  truth.
• 1:43
  My
• 1:43
  mission
• 1:43
  is
• 1:44
  pretty
• 1:44
  simple
• 1:44
  here
• 1:45
  to
• 1:45
  help
• 1:45
  you
• 1:45
  break
• 1:45
  that
• 1:46
  cycle
• 1:46
  of
• 1:46
  financial
• 1:47
  shame
• 1:47
  and
• 1:48
  build
• 1:48
  steady
• 1:48
  habits
• 1:49
  rooted
• 1:49
  in
• 1:49
  faith
• 1:50
  and
• 1:50
  walk
• 1:50
  in
• 1:51
  peace
• 1:51
  that
• 1:51
  God
• 1:52
  promises
• 1:52
  you
• 1:52
  for
• 1:53
  your
• 1:53
  financial
• 1:53
  life.
• 1:54
  If
• 1:54
  you're
• 1:54
  new
• 1:55
  here,
• 1:55
  welcome
• 1:55
  home.
• 1:56
  And
• 1:56
  if
• 1:56
  you're
• 1:56
  returning,
• 1:56
  hey,
• 1:57
  I'm
• 1:57
  grateful
• 1:58
  you
• 1:58
  came
• 1:58
  back.
• 1:59
  Today
• 1:59
  is
• 1:59
  December
• 2:00
  30th,
• 2:01
  which
• 2:01
  feels
• 2:01
  like
• 2:02
  time
• 2:02
  is
• 2:02
  tight,
• 2:03
  but
• 2:03
  the
• 2:03
  opportunity
• 2:04
  is
• 2:04
  powerful.
• 2:05
  This
• 2:06
  is
• 2:06
  the
• 2:06
  moment
• 2:06
  to
• 2:07
  quiet
• 2:07
  the
• 2:07
  noise,
• 2:08
  to
• 2:08
  simplify
• 2:08
  the
• 2:09
  overwhelm,
• 2:09
  and
• 2:10
  to
• 2:10
  finish
• 2:10
  the
• 2:10
  year
• 2:11
  with
• 2:11
  calm
• 2:11
  and
• 2:12
  confidence.
• 2:13
  So
• 2:13
  let's
• 2:13
  take
• 2:14
  a
• 2:14
  breath
• 2:14
  together
• 2:14
  and
• 2:15
  focus
• 2:15
  on
• 2:15
  a
• 2:15
  few
• 2:15
  things
• 2:16
  that
• 2:16
  truly
• 2:16
  matter.
• 2:17
  A
• 2:17
  listener
• 2:18
  wrote
• 2:18
  and
• 2:18
  said,
• 2:18
  ralph,
• 2:19
  I
• 2:19
  feel
• 2:19
  completely
• 2:20
  swamped
• 2:21
  trying
• 2:21
  to
• 2:21
  get
• 2:21
  ready
• 2:21
  for
• 2:22
  the
• 2:22
  new
• 2:22
  year.
• 2:23
  There's
• 2:23
  too
• 2:23
  much
• 2:23
  to
• 2:24
  do
• 2:24
  and
• 2:24
  not
• 2:24
  enough
• 2:24
  time.
• 2:25
  What
• 2:26
  are
• 2:26
  the
• 2:26
  essentials
• 2:27
  I
• 2:27
  should
• 2:27
  finish
• 2:27
  today?
• 2:29
  Friend,
• 2:29
  I
• 2:29
  get
• 2:30
  it.
• 2:30
  End
• 2:31
  of
• 2:31
  the
• 2:31
  year
• 2:31
  overwhelm
• 2:32
  is
• 2:32
  real.
• 2:32
  I'm
• 2:32
  feeling
• 2:33
  it
• 2:33
  myself.
• 2:34
  But
• 2:34
  clarity
• 2:35
  is
• 2:35
  closer
• 2:35
  than
• 2:36
  you
• 2:36
  think.
• 2:37
  When
• 2:37
  your
• 2:37
  list
• 2:38
  feels
• 2:38
  long,
• 2:38
  your
• 2:39
  mind
• 2:39
  starts
• 2:39
  spinning.
• 2:40
  I
• 2:41
  feel
• 2:41
  this
• 2:41
  too,
• 2:42
  when
• 2:42
  I'm
• 2:42
  staring
• 2:42
  at
• 2:43
  a
• 2:43
  mountain
• 2:43
  of
• 2:43
  tasks
• 2:44
  and
• 2:44
  trying
• 2:44
  to
• 2:44
  figure
• 2:44
  out
• 2:44
  where
• 2:45
  to
• 2:45
  begin.
• 2:46
  You
• 2:46
  just
• 2:46
  don't
• 2:47
  know
• 2:47
  what
• 2:47
  to
• 2:47
  prioritize.
• 2:48
  You
• 2:48
  don't
• 2:49
  know
• 2:49
  what
• 2:49
  actually
• 2:49
  matters.
• 2:50
  You
• 2:51
  don't
• 2:51
  know
• 2:51
  where
• 2:51
  to
• 2:51
  start.
• 2:53
  But
• 2:53
  listen
• 2:53
  to
• 2:54
  me.
• 2:54
  Your
• 2:54
  brain
• 2:55
  relaxes
• 2:55
  the
• 2:55
  moment
• 2:56
  your
• 2:56
  plan
• 2:56
  gets
• 2:56
  externalized.
• 2:58
  Order
• 2:58
  doesn't
• 2:59
  just
• 2:59
  organize
• 2:59
  your
• 2:59
  life,
• 3:00
  it
• 3:00
  calms
• 3:00
  your
• 3:01
  spirit.
• 3:02
  Research
• 3:02
  tells
• 3:02
  us
• 3:03
  this.
• 3:03
  People
• 3:03
  who
• 3:03
  use
• 3:04
  a
• 3:04
  short
• 3:04
  written
• 3:05
  plan
• 3:05
  follow
• 3:05
  through
• 3:06
  dramatically
• 3:06
  more
• 3:07
  than
• 3:07
  those
• 3:07
  who
• 3:07
  keep
• 3:08
  everything
• 3:08
  in
• 3:08
  their
• 3:08
  head.
• 3:09
  My
• 3:09
  grandfather
• 3:09
  always
• 3:10
  just
• 3:10
  said,
• 3:10
  write
• 3:10
  it
• 3:10
  down.
• 3:11
  And
• 3:11
  I
• 3:12
  love
• 3:12
  this
• 3:12
  simple
• 3:12
  truth.
• 3:13
  What's
• 3:14
  on
• 3:14
  paper
• 3:14
  gets
• 3:15
  done.
• 3:16
  What's
• 3:16
  in
• 3:16
  the
• 3:16
  air
• 3:17
  disappears.
• 3:19
  Your
• 3:19
  brain
• 3:19
  wants
• 3:19
  certainty,
• 3:21
  your
• 3:21
  spirit
• 3:21
  wants
• 3:22
  peace.
• 3:23
  And
• 3:23
  a
• 3:23
  checklist
• 3:24
  gives
• 3:24
  you
• 3:24
  both.
• 3:26
  For
• 3:26
  decades,
• 3:26
  I've
• 3:27
  ended
• 3:27
  every
• 3:27
  year
• 3:27
  with
• 3:27
  the
• 3:28
  same
• 3:28
  five
• 3:28
  step
• 3:30
  plan.
• 3:31
  Automate,
• 3:32
  ensure,
• 3:33
  declutter,
• 3:34
  and
• 3:34
  confirm.
• 3:36
  And
• 3:36
  I've
• 3:36
  proven
• 3:36
  this
• 3:36
  client
• 3:37
  after
• 3:37
  Client
• 3:37
  has
• 3:37
  told
• 3:38
  me
• 3:38
  this
• 3:38
  checklist
• 3:38
  helped
• 3:39
  lowered
• 3:39
  my
• 3:39
  stress.
• 3:40
  Ralph
• 3:40
  and
• 3:41
  it
• 3:41
  stopped
• 3:41
  January
• 3:41
  mistakes
• 3:42
  before
• 3:42
  they
• 3:42
  ever
• 3:43
  happened
• 3:43
  to
• 3:44
  the
• 3:45
  power
• 3:45
  is
• 3:45
  in
• 3:45
  complexity.
• 3:46
  The
• 3:47
  power
• 3:47
  is
• 3:47
  in
• 3:47
  completeness.
• 3:49
  A
• 3:50
  family
• 3:50
  I
• 3:50
  counseled
• 3:51
  use
• 3:51
  this
• 3:51
  exact
• 3:51
  same
• 3:52
  checklist
• 3:52
  last
• 3:52
  December.
• 3:53
  That's
• 3:54
  what
• 3:54
  they
• 3:54
  cited.
• 3:54
  Ralph
• 3:55
  we're
• 3:55
  going
• 3:55
  to
• 3:55
  try
• 3:55
  this
• 3:55
  out.
• 3:56
  And
• 3:56
  when
• 3:56
  January
• 3:56
  arrived,
• 3:57
  the
• 3:57
  bills
• 3:57
  came.
• 3:58
  That
• 3:58
  insurance
• 3:59
  renewal
• 3:59
  popped
• 3:59
  up.
• 4:00
  The
• 4:00
  tax
• 4:00
  reminders
• 4:00
  hit
• 4:01
  their
• 4:01
  inbox.
• 4:02
  But
• 4:03
  nothing
• 4:03
  felt
• 4:03
  urgent.
• 4:04
  Nothing
• 4:04
  felt
• 4:05
  chaotic.
• 4:05
  Nothing
• 4:06
  surprised
• 4:06
  them
• 4:07
  because
• 4:08
  everything
• 4:08
  was
• 4:08
  already
• 4:09
  decided.
• 4:10
  That
• 4:10
  preparedness
• 4:12
  creates
• 4:12
  peace.
• 4:14
  So
• 4:14
  what
• 4:14
  actually
• 4:15
  matters
• 4:15
  today?
• 4:16
  What
• 4:16
  five
• 4:16
  actions
• 4:17
  will
• 4:17
  calm
• 4:17
  your
• 4:18
  mind,
• 4:18
  clear
• 4:18
  your
• 4:19
  schedule
• 4:19
  and
• 4:19
  prepare
• 4:20
  your
• 4:20
  home
• 4:20
  for
• 4:20
  a
• 4:21
  peaceful
• 4:21
  January?
• 4:22
  Let
• 4:22
  me
• 4:22
  walk
• 4:22
  you
• 4:22
  through
• 4:23
  the
• 4:23
  Focus
• 4:23
  5
• 4:25
  Step
• 4:25
  1.
• 4:25
  Do
• 4:25
  this.
• 4:26
  Review
• 4:26
  your
• 4:27
  budget
• 4:27
  and
• 4:27
  goals
• 4:28
  one
• 4:28
  last
• 4:28
  time.
• 4:28
  Now,
• 4:29
  I'm
• 4:29
  assuming
• 4:29
  you
• 4:29
  already
• 4:29
  have
• 4:30
  a
• 4:30
  budget
• 4:30
  and
• 4:30
  goals.
• 4:30
  If
• 4:31
  you
• 4:31
  don't,
• 4:31
  you
• 4:31
  better
• 4:32
  go
• 4:32
  back
• 4:32
  to
• 4:32
  step
• 4:32
  zero
• 4:33
  for
• 4:33
  that
• 4:33
  one.
• 4:34
  But
• 4:34
  if
• 4:34
  you
• 4:34
  do
• 4:35
  one
• 4:35
  final
• 4:35
  pass,
• 4:36
  just
• 4:36
  one
• 4:36
  final
• 4:36
  pass,
• 4:37
  it's
• 4:37
  going
• 4:37
  to
• 4:37
  ensure
• 4:37
  that
• 4:38
  your
• 4:38
  January
• 4:38
  priorities
• 4:39
  match
• 4:39
  match
• 4:40
  your
• 4:40
  reality.
• 4:41
  This
• 4:41
  last
• 4:41
  look
• 4:42
  aligns
• 4:42
  tomorrow's
• 4:43
  actions
• 4:43
  with
• 4:43
  your
• 4:43
  deepest
• 4:44
  values.
• 4:45
  This
• 4:45
  is
• 4:46
  the
• 4:46
  time
• 4:46
  to
• 4:46
  remove
• 4:46
  what's
• 4:47
  unnecessary,
• 4:48
  highlight
• 4:48
  what
• 4:48
  matters,
• 4:49
  and
• 4:49
  start
• 4:50
  the
• 4:50
  new
• 4:50
  year
• 4:50
  with
• 4:50
  clarity.
• 4:51
  Here's
• 4:52
  step
• 4:52
  two.
• 4:53
  Automate
• 4:53
  your
• 4:54
  savings
• 4:54
  and
• 4:54
  giving.
• 4:55
  I
• 4:56
  love
• 4:56
  automation.
• 4:56
  Automation
• 4:57
  keeps
• 4:57
  your
• 4:57
  promises
• 4:58
  even
• 4:58
  when
• 4:59
  your
• 4:59
  energy
• 4:59
  fades.
• 5:00
  Set
• 5:01
  your
• 5:01
  start
• 5:01
  dates
• 5:01
  for
• 5:02
  January
• 5:02
  1st
• 5:02
  or
• 5:02
  2nd.
• 5:03
  Don't
• 5:03
  put
• 5:03
  it
• 5:03
  off.
• 5:03
  Even
• 5:04
  tiny
• 5:04
  automations,
• 5:05
  I'm
• 5:05
  talking
• 5:05
  about
• 5:05
  $10,
• 5:06
  $20,
• 5:06
  maybe
• 5:07
  30,
• 5:07
  $50.
• 5:08
  Create
• 5:08
  powerful
• 5:09
  momentum.
• 5:10
  Automatic
• 5:11
  equals
• 5:12
  consistent
• 5:12
  and
• 5:12
  consistent
• 5:13
  equals
• 5:14
  peaceful.
• 5:14
  Here's
• 5:14
  a
• 5:15
  third
• 5:15
  step.
• 5:15
  Confirm
• 5:16
  your
• 5:16
  insurance
• 5:16
  and
• 5:17
  tax
• 5:17
  readiness.
• 5:18
  These
• 5:18
  two
• 5:18
  checks
• 5:19
  prevent
• 5:19
  the
• 5:19
  most
• 5:20
  expensive
• 5:20
  January
• 5:21
  mistakes
• 5:21
  that
• 5:22
  I've
• 5:22
  seen.
• 5:22
  Here's
• 5:22
  some
• 5:22
  things
• 5:22
  to
• 5:23
  verify.
• 5:23
  Look
• 5:24
  at
• 5:24
  your
• 5:24
  insurance
• 5:24
  renewals.
• 5:25
  Just
• 5:25
  take
• 5:25
  three
• 5:25
  minutes
• 5:26
  and
• 5:26
  check.
• 5:27
  When
• 5:27
  does
• 5:27
  my
• 5:27
  auto
• 5:28
  policy
• 5:28
  renew?
• 5:28
  My
• 5:28
  homeowner's
• 5:29
  policy?
• 5:29
  My
• 5:30
  renter
• 5:30
  policy?
• 5:30
  I'll
• 5:30
  give
• 5:30
  you
• 5:31
  a
• 5:31
  real
• 5:31
  life
• 5:31
  example.
• 5:32
  Maybe
• 5:32
  last
• 5:32
  year,
• 5:32
  your
• 5:33
  auto
• 5:33
  insurance
• 5:34
  quietly
• 5:34
  renewed
• 5:34
  and
• 5:35
  and
• 5:35
  the
• 5:35
  premium
• 5:35
  jumped
• 5:36
  40
• 5:36
  bucks
• 5:36
  a
• 5:36
  month
• 5:36
  and
• 5:37
  you
• 5:37
  didn't
• 5:37
  even
• 5:37
  notice
• 5:37
  it
• 5:38
  until
• 5:38
  March
• 5:39
  after
• 5:39
  they'd
• 5:39
  already
• 5:40
  changed
• 5:40
  your
• 5:40
  90
• 5:41
  days.
• 5:41
  At
• 5:41
  that
• 5:41
  higher
• 5:42
  rate,
• 5:43
  renewals
• 5:43
  matter
• 5:44
  because
• 5:44
  companies
• 5:44
  change
• 5:45
  rates.
• 5:45
  And
• 5:45
  if
• 5:45
  you
• 5:45
  don't
• 5:46
  look,
• 5:46
  you
• 5:46
  pay
• 5:47
  for
• 5:47
  the
• 5:47
  difference.
• 5:48
  How
• 5:48
  about
• 5:49
  your
• 5:49
  deductibles?
• 5:49
  Look
• 5:50
  at
• 5:50
  each
• 5:50
  policy
• 5:50
  and
• 5:51
  ask
• 5:51
  yourself,
• 5:52
  if
• 5:52
  something
• 5:52
  happened
• 5:53
  tomorrow,
• 5:54
  what
• 5:54
  would
• 5:54
  I
• 5:54
  actually
• 5:55
  owe
• 5:55
  out
• 5:55
  of
• 5:55
  pocket?
• 5:57
  Here's
• 5:57
  an
• 5:57
  example.
• 5:58
  You
• 5:58
  think
• 5:58
  your
• 5:58
  car
• 5:58
  deductible
• 5:59
  is
• 5:59
  $250
• 6:00
  until,
• 6:01
  of
• 6:01
  course,
• 6:01
  your
• 6:01
  teenager
• 6:02
  backs
• 6:02
  into
• 6:03
  a
• 6:03
  mailbox
• 6:04
  and
• 6:04
  suddenly
• 6:04
  you
• 6:04
  discover
• 6:05
  it's
• 6:05
  $1,000.
• 6:07
  Not
• 6:07
  fun.
• 6:08
  Or
• 6:08
  maybe
• 6:08
  your
• 6:09
  health
• 6:09
  deductible
• 6:09
  resets
• 6:10
  January
• 6:10
  1st
• 6:11
  and
• 6:11
  you
• 6:11
  forgot.
• 6:12
  So
• 6:12
  that
• 6:13
  doctor
• 6:13
  visit
• 6:13
  early
• 6:14
  January
• 6:14
  isn't
• 6:14
  just
• 6:15
  a
• 6:15
  copay
• 6:15
  anymore,
• 6:15
  man.
• 6:16
  You
• 6:16
  got
• 6:16
  to
• 6:16
  pay
• 6:16
  it
• 6:16
  all
• 6:16
  out
• 6:17
  of
• 6:17
  pocket.
• 6:18
  Knowing
• 6:18
  your
• 6:18
  deductible
• 6:19
  protects
• 6:19
  you
• 6:20
  from
• 6:20
  surprise
• 6:20
  stress.
• 6:21
  Here's
• 6:21
  another
• 6:22
  thing
• 6:22
  with
• 6:22
  insurance.
• 6:22
  Look
• 6:22
  at
• 6:23
  those
• 6:23
  premiums.
• 6:24
  Pull
• 6:24
  up
• 6:24
  the
• 6:24
  number
• 6:24
  you
• 6:25
  actually
• 6:25
  pay
• 6:26
  monthly
• 6:26
  or
• 6:26
  annually.
• 6:27
  Here's
• 6:28
  a
• 6:28
  great
• 6:28
  example.
• 6:28
  You
• 6:29
  might
• 6:29
  be
• 6:29
  paying
• 6:29
  $278
• 6:30
  a
• 6:31
  month
• 6:31
  for
• 6:31
  health
• 6:31
  insurance,
• 6:32
  but
• 6:32
  only
• 6:32
  budgeting
• 6:32
  250.
• 6:33
  Well,
• 6:34
  that
• 6:34
  $28
• 6:35
  gap
• 6:35
  is
• 6:35
  the
• 6:35
  reason
• 6:35
  your
• 6:36
  checking
• 6:36
  account
• 6:36
  keeps
• 6:36
  getting
• 6:37
  tight
• 6:37
  at
• 6:37
  the
• 6:37
  end
• 6:37
  of
• 6:37
  every
• 6:38
  month.
• 6:38
  Or
• 6:39
  maybe
• 6:39
  your
• 6:39
  life
• 6:39
  insurance
• 6:40
  premium
• 6:40
  went
• 6:40
  up
• 6:40
  because
• 6:41
  you
• 6:41
  added
• 6:41
  a
• 6:41
  rider
• 6:42
  you
• 6:42
  forgot
• 6:42
  to
• 6:42
  set
• 6:42
  that
• 6:43
  you
• 6:43
  signed
• 6:43
  up
• 6:43
  for.
• 6:44
  Premium
• 6:45
  creep
• 6:45
  is
• 6:45
  real.
• 6:46
  Here's
• 6:46
  another
• 6:46
  thing
• 6:47
  to
• 6:47
  look
• 6:47
  at.
• 6:47
  Look
• 6:47
  at
• 6:48
  those
• 6:48
  coverages.
• 6:49
  Ask
• 6:49
  this
• 6:49
  question.
• 6:50
  Is
• 6:50
  my
• 6:50
  coverage
• 6:51
  still
• 6:51
  right
• 6:51
  for
• 6:51
  my
• 6:51
  life
• 6:52
  today?
• 6:52
  Let's
• 6:53
  say
• 6:53
  you
• 6:53
  bought
• 6:53
  your
• 6:54
  homeowner's
• 6:54
  policy
• 6:54
  when
• 6:55
  your
• 6:55
  house
• 6:55
  is
• 6:55
  worth
• 6:55
  275,000
• 6:58
  now.
• 6:58
  Hey,
• 6:58
  inflation.
• 6:59
  It's
• 6:59
  worth
• 6:59
  365.
• 7:00
  But
• 7:00
  your
• 7:01
  coverage
• 7:01
  hasn't
• 7:01
  changed.
• 7:02
  Or
• 7:02
  maybe
• 7:03
  you
• 7:03
  had
• 7:03
  a
• 7:03
  baby
• 7:03
  this
• 7:03
  year.
• 7:04
  Congratulations.
• 7:05
  But
• 7:05
  your
• 7:05
  life
• 7:05
  insurance
• 7:06
  beneficiaries
• 7:07
  still
• 7:07
  only
• 7:07
  list
• 7:08
  your
• 7:08
  spouse.
• 7:09
  Those
• 7:09
  small
• 7:10
  coverage
• 7:10
  updates
• 7:11
  prevent
• 7:11
  very
• 7:11
  large
• 7:12
  regrets
• 7:12
  later.
• 7:13
  Okay
• 7:13
  then
• 7:14
  I
• 7:14
  want
• 7:14
  you
• 7:14
  to
• 7:14
  do
• 7:14
  this.
• 7:15
  Review
• 7:15
  your
• 7:15
  2025
• 7:16
  tax
• 7:16
  folder.
• 7:17
  Open
• 7:17
  the
• 7:18
  folder,
• 7:18
  whether
• 7:18
  that's
• 7:18
  digital
• 7:19
  or
• 7:19
  physical.
• 7:19
  Hey,
• 7:19
  some
• 7:19
  people
• 7:20
  like
• 7:20
  those
• 7:20
  physical
• 7:20
  things.
• 7:21
  I'm
• 7:21
  cool
• 7:21
  with
• 7:21
  that.
• 7:22
  But
• 7:22
  look
• 7:22
  for
• 7:22
  gaps.
• 7:24
  Maybe
• 7:24
  you
• 7:24
  find
• 7:24
  a
• 7:25
  1099
• 7:25
  from
• 7:26
  February
• 7:26
  that
• 7:26
  you
• 7:26
  never
• 7:26
  scanned
• 7:27
  in.
• 7:27
  Or
• 7:27
  receipts
• 7:28
  sitting
• 7:28
  in
• 7:28
  your
• 7:28
  email
• 7:29
  that
• 7:29
  should
• 7:29
  be
• 7:29
  moved
• 7:29
  into
• 7:30
  your
• 7:30
  deductions
• 7:30
  folder.
• 7:31
  Let
• 7:31
  me
• 7:31
  tell
• 7:31
  you
• 7:32
  right
• 7:32
  now,
• 7:32
  a
• 7:32
  quick
• 7:32
  check
• 7:33
  now
• 7:33
  saves
• 7:33
  you
• 7:33
  from
• 7:34
  April
• 7:34
  panic.
• 7:35
  It's
• 7:35
  also
• 7:35
  a
• 7:35
  great
• 7:35
  time
• 7:36
  to
• 7:36
  check
• 7:36
  your
• 7:36
  withholding.
• 7:37
  Look
• 7:37
  at
• 7:37
  your
• 7:37
  most
• 7:37
  recent
• 7:38
  pay
• 7:38
  stub.
• 7:38
  Or
• 7:38
  maybe
• 7:39
  your
• 7:39
  spouses.
• 7:40
  Are
• 7:40
  you
• 7:40
  withholding
• 7:41
  too
• 7:41
  much?
• 7:41
  Are
• 7:42
  you
• 7:42
  looking
• 7:42
  at
• 7:42
  that
• 7:42
  going,
• 7:42
  wait
• 7:42
  a
• 7:42
  minute,
• 7:43
  I
• 7:43
  didn't
• 7:43
  hold
• 7:43
  enough?
• 7:44
  Maybe
• 7:44
  you're
• 7:45
  getting
• 7:45
  a
• 7:45
  $5,000
• 7:46
  refund
• 7:46
  every
• 7:46
  year,
• 7:46
  which
• 7:47
  means
• 7:47
  you're
• 7:47
  over
• 7:47
  withholding
• 7:48
  and
• 7:48
  giving
• 7:48
  the
• 7:49
  IRS
• 7:49
  an
• 7:49
  interest
• 7:49
  free
• 7:50
  loan.
• 7:51
  Or
• 7:51
  maybe
• 7:51
  your
• 7:51
  refund
• 7:52
  suddenly
• 7:52
  dropped
• 7:52
  last
• 7:53
  year.
• 7:53
  No
• 7:53
  one
• 7:53
  explained
• 7:54
  why
• 7:54
  withholding
• 7:55
  fixes
• 7:56
  that.
• 7:56
  How
• 7:57
  about
• 7:57
  quarterly
• 7:57
  payments
• 7:58
  if
• 7:58
  you're
• 7:58
  self
• 7:58
  employed
• 7:58
  or
• 7:59
  you're
• 7:59
  a
• 7:59
  creator
• 7:59
  or
• 8:00
  a
• 8:00
  contractor
• 8:00
  or
• 8:00
  in
• 8:01
  some
• 8:01
  side
• 8:01
  income,
• 8:02
  this
• 8:02
  one
• 8:02
  really
• 8:02
  matters.
• 8:03
  You
• 8:04
  made
• 8:04
  your
• 8:04
  April
• 8:04
  and
• 8:05
  June
• 8:05
  payments,
• 8:05
  but
• 8:05
  you
• 8:06
  forgot
• 8:06
  about
• 8:06
  September
• 8:07
  because
• 8:07
  school
• 8:08
  started
• 8:08
  and
• 8:08
  life
• 8:09
  got
• 8:09
  busy
• 8:09
  and
• 8:10
  now
• 8:10
  you're
• 8:10
  staring
• 8:10
  at
• 8:11
  a
• 8:11
  penalty
• 8:11
  you
• 8:11
  didn't
• 8:11
  need
• 8:11
  to
• 8:12
  pay.
• 8:12
  A
• 8:12
  30
• 8:13
  second
• 8:13
  check
• 8:13
  saves
• 8:14
  real
• 8:14
  time.
• 8:15
  And
• 8:15
  how
• 8:16
  about
• 8:16
  some
• 8:16
  tax
• 8:16
  prep
• 8:16
  reminders?
• 8:17
  Ask
• 8:17
  yourself
• 8:17
  why?
• 8:18
  What
• 8:18
  did
• 8:18
  I
• 8:18
  forget
• 8:18
  last
• 8:19
  year
• 8:19
  that
• 8:19
  slowed
• 8:20
  everything
• 8:20
  down?
• 8:21
  Maybe
• 8:21
  your
• 8:22
  accountant
• 8:22
  emailed
• 8:22
  you
• 8:22
  on
• 8:23
  March
• 8:23
  10th
• 8:23
  asking
• 8:23
  for
• 8:24
  your
• 8:24
  Mortgage
• 8:24
  statement
• 8:24
  or
• 8:25
  your
• 8:25
  charitable
• 8:26
  logs
• 8:26
  or
• 8:26
  your
• 8:26
  receipts
• 8:27
  or
• 8:27
  your
• 8:27
  hsa.
• 8:28
  And
• 8:28
  you
• 8:28
  had
• 8:29
  to
• 8:29
  spend
• 8:29
  two
• 8:29
  hours
• 8:29
  digging
• 8:30
  through
• 8:30
  emails
• 8:30
  because
• 8:31
  you
• 8:31
  had
• 8:31
  no
• 8:31
  system.
• 8:32
  Well,
• 8:33
  setting
• 8:33
  up
• 8:33
  those
• 8:33
  reminders
• 8:34
  now
• 8:34
  make
• 8:34
  tax
• 8:34
  season
• 8:35
  boring.
• 8:35
  And
• 8:36
  boring
• 8:36
  is
• 8:36
  blessed.
• 8:37
  Just
• 8:38
  a
• 8:38
  10
• 8:38
  minute
• 8:38
  review
• 8:39
  can
• 8:39
  save
• 8:39
  hundreds
• 8:40
  and
• 8:40
  hours
• 8:40
  of
• 8:41
  stress.
• 8:41
  Here's
• 8:41
  step
• 8:41
  number
• 8:42
  four.
• 8:42
  Great
• 8:43
  time
• 8:43
  to
• 8:43
  declutter
• 8:44
  digital
• 8:44
  and
• 8:44
  physical
• 8:45
  financial
• 8:45
  spaces.
• 8:46
  Clear
• 8:46
  that
• 8:46
  email
• 8:47
  box.
• 8:47
  You
• 8:47
  know
• 8:47
  that
• 8:47
  thousand
• 8:48
  people
• 8:49
  in
• 8:49
  box
• 8:49
  that
• 8:49
  you
• 8:49
  got.
• 8:50
  Silence
• 8:50
  your
• 8:50
  notifications,
• 8:51
  delete
• 8:52
  old
• 8:52
  downloads,
• 8:53
  organize
• 8:53
  your
• 8:53
  statements.
• 8:54
  And
• 8:54
  here's
• 8:54
  a
• 8:54
  great
• 8:54
  idea.
• 8:55
  Make
• 8:55
  two
• 8:56
  folders,
• 8:56
  archive
• 8:57
  your
• 8:57
  2025
• 8:58
  and
• 8:58
  create
• 8:58
  that
• 8:59
  2026.
• 8:59
  Because
• 9:00
  clean
• 9:00
  spaces
• 9:01
  reduce
• 9:01
  decision
• 9:02
  fatigue
• 9:02
  and
• 9:03
  create
• 9:03
  mental
• 9:03
  breathing
• 9:04
  room.
• 9:04
  Order
• 9:05
  produces
• 9:05
  clarity
• 9:06
  and
• 9:06
  clarity
• 9:07
  produces
• 9:07
  peace.
• 9:08
  And
• 9:08
  here's
• 9:08
  step
• 9:08
  number
• 9:09
  five.
• 9:09
  Finish
• 9:10
  and
• 9:10
  print
• 9:11
  that
• 9:11
  checklist.
• 9:12
  I
• 9:12
  love
• 9:12
  a
• 9:12
  printed
• 9:13
  checklist.
• 9:13
  It
• 9:13
  brings
• 9:14
  clarity.
• 9:14
  But
• 9:14
  a
• 9:14
  completed
• 9:15
  checklist,
• 9:15
  that
• 9:16
  brings
• 9:16
  confidence.
• 9:17
  Seeing
• 9:17
  it
• 9:17
  finished
• 9:17
  on
• 9:18
  paper
• 9:18
  calms
• 9:19
  your
• 9:19
  nervous
• 9:19
  system,
• 9:20
  gives
• 9:20
  you
• 9:20
  peace
• 9:20
  that
• 9:21
  you
• 9:21
  can
• 9:21
  literally
• 9:21
  feel
• 9:22
  in
• 9:22
  your
• 9:22
  body.
• 9:23
  Finish
• 9:23
  the
• 9:24
  year
• 9:24
  with
• 9:24
  order.
• 9:24
  All
• 9:25
  right,
• 9:25
  let's
• 9:25
  get
• 9:25
  to
• 9:25
  our
• 9:25
  scripture
• 9:26
  verse
• 9:26
  today.
• 9:26
  This
• 9:27
  is
• 9:27
  from
• 9:27
  First
• 9:27
  Corinthians,
• 9:28
  chapter
• 9:28
  14,
• 9:29
  verse
• 9:29
  40.
• 9:30
  Everything
• 9:31
  should
• 9:31
  be
• 9:31
  done
• 9:31
  in
• 9:32
  a
• 9:32
  fitting
• 9:32
  and
• 9:32
  orderly
• 9:33
  way.
• 9:33
  See,
• 9:33
  the
• 9:33
  Bible
• 9:33
  says
• 9:34
  it
• 9:34
  so
• 9:34
  Ralph
• 9:34
  must
• 9:35
  be
• 9:35
  right.
• 9:36
  Order
• 9:36
  isn't
• 9:36
  just
• 9:37
  practical
• 9:37
  order.
• 9:38
  Order
• 9:38
  is
• 9:38
  spiritual.
• 9:39
  And
• 9:39
  when
• 9:39
  you
• 9:40
  bring
• 9:40
  order
• 9:40
  to
• 9:40
  your
• 9:40
  finances,
• 9:41
  you
• 9:41
  honor
• 9:42
  God
• 9:42
  with
• 9:42
  your
• 9:42
  stewardship.
• 9:43
  Let's
• 9:43
  pray
• 9:44
  together.
• 9:44
  Lord,
• 9:45
  bring
• 9:45
  order
• 9:45
  and
• 9:45
  clarity
• 9:46
  to
• 9:46
  my
• 9:46
  mind.
• 9:47
  Give
• 9:47
  me
• 9:47
  peace
• 9:47
  as
• 9:48
  I
• 9:48
  prepare
• 9:48
  for
• 9:48
  the
• 9:48
  new
• 9:49
  year.
• 9:49
  Give
• 9:49
  me
• 9:50
  wisdom
• 9:50
  for
• 9:50
  these
• 9:50
  financial
• 9:51
  decisions.
• 9:51
  Strengthen
• 9:52
  my
• 9:52
  heart
• 9:53
  and
• 9:53
  steady
• 9:53
  my
• 9:53
  steps.
• 9:54
  And
• 9:54
  I
• 9:54
  ask
• 9:54
  this
• 9:55
  in
• 9:55
  Jesus
• 9:55
  name,
• 9:56
  Amen.
• 9:57
  Okay,
• 9:57
  here's
• 9:57
  your
• 9:57
  quick
• 9:58
  action
• 9:58
  step
• 9:58
  for
• 9:58
  today.
• 9:59
  I
• 9:59
  want
• 9:59
  you
• 9:59
  to
• 9:59
  write
• 10:00
  out
• 10:00
  your
• 10:00
  five
• 10:00
  point
• 10:01
  checklist
• 10:01
  before
• 10:02
  midnight
• 10:03
  tonight.
• 10:03
  And
• 10:03
  if
• 10:03
  your
• 10:04
  day
• 10:04
  is
• 10:04
  packed,
• 10:04
  just
• 10:05
  do
• 10:05
  one
• 10:05
  an
• 10:05
  hour.
• 10:05
  You
• 10:06
  can
• 10:06
  do
• 10:06
  this.
• 10:06
  Take
• 10:07
  a
• 10:07
  photo
• 10:07
  when
• 10:07
  you
• 10:08
  finish
• 10:08
  and
• 10:08
  celebrate
• 10:09
  the
• 10:09
  peace
• 10:09
  that
• 10:09
  comes
• 10:10
  from
• 10:10
  completion.
• 10:11
  And
• 10:11
  if
• 10:11
  today's
• 10:12
  action
• 10:12
  step
• 10:12
  resonated
• 10:13
  with
• 10:13
  you,
• 10:13
  listen
• 10:13
  to
• 10:14
  this
• 10:14
  message
• 10:14
  from
• 10:14
  one
• 10:14
  of
• 10:14
  our
• 10:14
  community
• 10:15
  members.
• 10:15
  When
• 10:16
  I
• 10:16
  joined
• 10:16
  the
• 10:16
  community,
• 10:17
  I
• 10:17
  was
• 10:17
  exhausted
• 10:18
  from
• 10:18
  doing
• 10:18
  everything
• 10:19
  alone.
• 10:19
  I
• 10:20
  didn't
• 10:20
  need
• 10:20
  more
• 10:20
  pressure.
• 10:21
  I
• 10:21
  needed
• 10:22
  a
• 10:22
  place
• 10:22
  where
• 10:22
  I
• 10:22
  felt
• 10:23
  seen.
• 10:23
  The
• 10:24
  daily
• 10:24
  prompts
• 10:24
  keep
• 10:24
  me
• 10:25
  centered.
• 10:25
  The
• 10:25
  prayer
• 10:25
  support.
• 10:26
  Honestly,
• 10:26
  it
• 10:27
  means
• 10:27
  more
• 10:27
  than
• 10:27
  I
• 10:27
  can
• 10:28
  explain.
• 10:28
  But
• 10:28
  what
• 10:29
  amazed
• 10:29
  me
• 10:29
  more
• 10:29
  was
• 10:30
  that
• 10:30
  it's
• 10:30
  free.
• 10:31
  No
• 10:31
  guilt,
• 10:31
  no
• 10:32
  push,
• 10:32
  no
• 10:32
  sales
• 10:33
  pitch,
• 10:33
  just
• 10:34
  support.
• 10:34
  For
• 10:35
  the
• 10:35
  first
• 10:35
  time
• 10:35
  in
• 10:35
  a
• 10:36
  long
• 10:36
  time,
• 10:36
  I
• 10:36
  don't
• 10:37
  feel
• 10:37
  like
• 10:37
  I'm
• 10:37
  fighting
• 10:38
  my
• 10:38
  financial
• 10:38
  battles
• 10:38
  alone,
• 10:40
  friend.
• 10:40
  That's
• 10:40
  what
• 10:40
  we're
• 10:40
  building
• 10:41
  every
• 10:41
  single
• 10:41
  day.
• 10:41
  And
• 10:41
  I
• 10:41
  want
• 10:42
  you
• 10:42
  to
• 10:42
  come
• 10:42
  join
• 10:42
  us.
• 10:43
  You
• 10:43
  can
• 10:43
  do
• 10:43
  that
• 10:44
  at
• 10:44
  financiallyconfidentchristian.com/join.
• 10:47
  That's
• 10:48
  financiallyconfidentchristian.com/join
• 10:52
  friend
• 10:52
  as
• 10:52
  I
• 10:53
  said
• 10:53
  today,
• 10:53
  order
• 10:54
  creates
• 10:54
  peace.
• 10:55
  Put
• 10:55
  that
• 10:55
  plan
• 10:56
  on
• 10:56
  paper.
• 10:57
  Finish
• 10:57
  today
• 10:57
  with
• 10:57
  focus
• 10:58
  so
• 10:58
  tomorrow
• 10:58
  can
• 10:59
  begin.
• 10:59
  Free
• 10:59
  your
• 11:00
  future
• 11:00
  self
• 11:00
  Will
• 11:01
  thank
• 11:01
  you
• 11:01
  for
• 11:01
  the
• 11:01
  work
• 11:02
  you're
• 11:02
  doing
• 11:02
  right
• 11:02
  now.
• 11:03
  So
• 11:03
  let's
• 11:03
  all
• 11:03
  go
• 11:03
  out
• 11:03
  there
• 11:04
  today
• 11:04
  and
• 11:04
  be
• 11:05
  financially
• 11:05
  confident
• 11:06
  Christians.
• 11:06
  You
• 11:06
  can
• 11:07
  do
• 11:07
  this.
• 11:07
  Stay
• 11:08
  financially
• 11:08
  savvy.
• 11:09
  God
• 11:09
  bless
• 11:09
  you
• 11:10
  and
• 11:10
  you
• 11:10
  have
• 11:10
  a
• 11:10
  great
• 11:10
  day
• 11:11
  today.