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When You Finally See the Light: A Listener Win · Becoming Financially Confident

• 0:37
  Five
• 0:37
  years
• 0:38
  teaching,
• 0:38
  then
• 0:38
  nothing.
• 0:39
  Laid
• 0:40
  off
• 0:40
  tutoring
• 0:41
  for
• 0:41
  less
• 0:41
  than
• 0:42
  $1,000
• 0:43
  a
• 0:43
  month,
• 0:43
  your
• 0:43
  partner
• 0:44
  carrying
• 0:44
  the
• 0:44
  bills,
• 0:45
  you're
• 0:46
  back
• 0:46
  in
• 0:46
  grad
• 0:46
  school
• 0:46
  just
• 0:47
  hoping
• 0:47
  something,
• 0:48
  anything
• 0:48
  breaks
• 0:49
  open.
• 0:50
  Then
• 0:50
  it
• 0:50
  does.
• 0:51
  A
• 0:52
  job
• 0:52
  at
• 0:52
  your
• 0:52
  daughter's
• 0:53
  school,
• 0:53
  triple
• 0:54
  the
• 0:54
  income,
• 0:55
  zero
• 0:55
  childcare
• 0:56
  cost,
• 0:56
  and
• 0:57
  a
• 0:57
  schedule
• 0:57
  that
• 0:58
  finally
• 0:58
  fits
• 0:58
  your
• 0:58
  life
• 0:59
  overnight.
• 1:00
  Survival
• 1:01
  mode
• 1:01
  is
• 1:02
  over.
• 1:03
  Today
• 1:03
  we're
• 1:03
  celebrating
• 1:04
  a
• 1:04
  listener
• 1:04
  who
• 1:05
  made
• 1:05
  it
• 1:05
  through.
• 1:06
  And
• 1:06
  we're
• 1:06
  talking
• 1:06
  straight
• 1:07
  to
• 1:07
  everyone
• 1:08
  still
• 1:08
  in
• 1:08
  the
• 1:08
  thick
• 1:08
  of
• 1:08
  it,
• 1:09
  because
• 1:09
  if
• 1:09
  you're
• 1:10
  barely
• 1:10
  holding
• 1:10
  on
• 1:10
  right
• 1:11
  now,
• 1:11
  this
• 1:12
  show's
• 1:12
  for
• 1:12
  you.
• 1:22
  Hello
• 1:23
  and
• 1:23
  welcome
• 1:23
  to
• 1:23
  Financially
• 1:24
  Confident
• 1:24
  Christian.
• 1:25
  Now
• 1:25
  you
• 1:25
  can
• 1:26
  tell
• 1:26
  the
• 1:26
  tone
• 1:26
  of
• 1:26
  today
• 1:27
  is
• 1:27
  a
• 1:27
  bit
• 1:27
  different.
• 1:28
  Today
• 1:28
  we're
• 1:29
  not
• 1:29
  going
• 1:29
  to
• 1:29
  answer
• 1:29
  a
• 1:30
  question.
• 1:30
  We're
• 1:30
  celebrating
• 1:31
  a
• 1:31
  listener's
• 1:32
  win
• 1:33
  and
• 1:33
  we're
• 1:33
  going
• 1:33
  to
• 1:33
  unpack
• 1:34
  what
• 1:34
  she
• 1:34
  did
• 1:34
  right,
• 1:35
  so
• 1:35
  you
• 1:35
  can
• 1:35
  see
• 1:35
  the
• 1:36
  path
• 1:36
  forward
• 1:36
  in
• 1:36
  your
• 1:37
  own
• 1:37
  situation.
• 1:38
  So
• 1:38
  if
• 1:38
  you're
• 1:39
  stuck
• 1:39
  in
• 1:39
  survival
• 1:39
  mode,
• 1:40
  today's
• 1:41
  show
• 1:41
  is
• 1:41
  for
• 1:41
  you
• 1:42
  because
• 1:42
  I've
• 1:42
  got
• 1:42
  a
• 1:43
  listener
• 1:43
  that
• 1:43
  made
• 1:43
  it
• 1:44
  through
• 1:44
  and
• 1:44
  I
• 1:45
  want
• 1:45
  you
• 1:45
  to
• 1:45
  know
• 1:45
  how
• 1:45
  you
• 1:46
  did
• 1:46
  it.
• 1:46
  Let's
• 1:47
  get
• 1:47
  into
• 1:47
  her
• 1:47
  story.
• 1:48
  She
• 1:48
  wrote
• 1:49
  this.
• 1:49
  Hi,
• 1:49
  Ralph.
• 1:50
  I
• 1:50
  wanted
• 1:50
  to
• 1:50
  share
• 1:51
  a
• 1:51
  win
• 1:51
  because
• 1:51
  I've
• 1:51
  been
• 1:52
  listening
• 1:52
  to
• 1:52
  your
• 1:52
  podcast
• 1:53
  and
• 1:53
  it
• 1:54
  helped
• 1:54
  me
• 1:54
  get
• 1:54
  through
• 1:54
  a
• 1:54
  rough
• 1:55
  year.
• 1:56
  For
• 1:56
  five
• 1:56
  years,
• 1:57
  I
• 1:57
  was
• 1:57
  a
• 1:57
  full
• 1:57
  time
• 1:58
  teacher,
• 1:58
  but
• 1:59
  the
• 1:59
  child
• 1:59
  care
• 1:59
  costs
• 2:00
  basically
• 2:00
  kept
• 2:00
  me
• 2:01
  in
• 2:01
  poverty.
• 2:02
  My
• 2:02
  partner
• 2:02
  and
• 2:03
  I
• 2:03
  moved
• 2:03
  in
• 2:03
  together
• 2:04
  three
• 2:04
  years
• 2:04
  ago
• 2:05
  and
• 2:05
  I
• 2:05
  thought
• 2:05
  we
• 2:06
  were
• 2:06
  finally
• 2:06
  out
• 2:06
  of
• 2:07
  it.
• 2:07
  Then
• 2:08
  I
• 2:08
  got
• 2:08
  laid
• 2:08
  off
• 2:09
  and
• 2:09
  I
• 2:09
  couldn't
• 2:09
  find
• 2:10
  another
• 2:10
  teaching
• 2:10
  job.
• 2:11
  I'd
• 2:12
  been
• 2:12
  tutoring
• 2:12
  part
• 2:12
  time
• 2:13
  all
• 2:13
  year,
• 2:13
  making
• 2:13
  less
• 2:14
  than
• 2:14
  $1,000
• 2:15
  a
• 2:15
  month.
• 2:16
  My
• 2:16
  partner
• 2:17
  covered
• 2:17
  all
• 2:17
  of
• 2:17
  our
• 2:18
  expenses
• 2:18
  while
• 2:19
  I
• 2:19
  started
• 2:19
  grad
• 2:20
  school
• 2:21
  and
• 2:21
  it
• 2:21
  actually
• 2:21
  worked
• 2:22
  out.
• 2:22
  I
• 2:23
  just
• 2:23
  accepted
• 2:23
  a
• 2:24
  teaching
• 2:24
  position
• 2:24
  at
• 2:24
  my
• 2:25
  daughter's
• 2:25
  school.
• 2:26
  The
• 2:26
  schedule
• 2:27
  lets
• 2:27
  me
• 2:27
  drop
• 2:27
  her
• 2:27
  off
• 2:28
  and
• 2:28
  pick
• 2:28
  her
• 2:28
  up
• 2:28
  so
• 2:28
  I
• 2:28
  don't
• 2:29
  need
• 2:29
  childcare
• 2:29
  anymore.
• 2:30
  The
• 2:31
  salary
• 2:31
  is
• 2:32
  two
• 2:32
  and
• 2:32
  a
• 2:33
  half
• 2:33
  to
• 2:33
  three
• 2:33
  times
• 2:34
  what
• 2:34
  I
• 2:34
  was
• 2:34
  making
• 2:34
  as
• 2:34
  a
• 2:35
  tutor.
• 2:36
  Now,
• 2:36
  Ralph,
• 2:36
  this
• 2:37
  past
• 2:37
  year
• 2:37
  was
• 2:37
  brutal.
• 2:38
  I
• 2:38
  got
• 2:38
  behind
• 2:39
  on
• 2:39
  all
• 2:39
  my
• 2:39
  debts
• 2:40
  and
• 2:40
  I
• 2:40
  put
• 2:40
  a
• 2:40
  lot
• 2:40
  of
• 2:40
  things
• 2:41
  on
• 2:41
  credit
• 2:41
  cards
• 2:41
  just
• 2:42
  to
• 2:42
  survive.
• 2:43
  But
• 2:44
  now
• 2:44
  I
• 2:45
  can
• 2:45
  actually
• 2:45
  start
• 2:46
  paying
• 2:46
  things
• 2:46
  off.
• 2:48
  My
• 2:48
  car
• 2:48
  only
• 2:48
  has
• 2:48
  a
• 2:48
  few
• 2:49
  thousand
• 2:49
  left
• 2:49
  to
• 2:49
  pay.
• 2:50
  I'm
• 2:51
  not
• 2:51
  all
• 2:51
  the
• 2:51
  way
• 2:51
  out
• 2:51
  of
• 2:51
  the
• 2:52
  woods
• 2:52
  yet,
• 2:52
  but
• 2:52
  I'm
• 2:53
  finally
• 2:53
  not
• 2:53
  in
• 2:53
  survival
• 2:54
  mode.
• 2:55
  I
• 2:55
  wanted
• 2:55
  to
• 2:56
  say
• 2:56
  thanks
• 2:56
  for
• 2:56
  the
• 2:56
  work
• 2:57
  you
• 2:57
  do
• 2:57
  and
• 2:58
  to
• 2:58
  share
• 2:58
  this
• 2:58
  case
• 2:59
  if
• 2:59
  it
• 2:59
  helps
• 3:00
  anyone
• 3:00
  else
• 3:00
  who's
• 3:01
  stuck
• 3:01
  right
• 3:01
  now.
• 3:02
  Thank
• 3:02
  you
• 3:02
  so
• 3:02
  much.
• 3:03
  Well,
• 3:04
  thank
• 3:04
  you
• 3:04
  so
• 3:04
  much
• 3:04
  for
• 3:05
  sharing
• 3:06
  what
• 3:06
  happened
• 3:06
  to
• 3:06
  you.
• 3:07
  You
• 3:07
  know,
• 3:08
  if
• 3:08
  you
• 3:08
  listen
• 3:08
  to
• 3:08
  the
• 3:08
  show,
• 3:08
  we
• 3:09
  talk
• 3:09
  a
• 3:09
  lot
• 3:09
  about
• 3:09
  questions,
• 3:10
  but
• 3:10
  I
• 3:10
  don't
• 3:10
  often
• 3:10
  get
• 3:11
  those
• 3:11
  wins
• 3:12
  Those
• 3:12
  triumphs,
• 3:13
  those,
• 3:14
  those
• 3:14
  congratulatory
• 3:15
  things
• 3:16
  and
• 3:17
  the
• 3:17
  thing
• 3:17
  that
• 3:17
  I
• 3:17
  want
• 3:17
  to
• 3:17
  take
• 3:17
  away
• 3:18
  from
• 3:18
  this,
• 3:19
  and
• 3:19
  the
• 3:19
  listener
• 3:20
  really
• 3:20
  said
• 3:20
  it
• 3:21
  clearly,
• 3:22
  survival
• 3:23
  mode
• 3:23
  doesn't
• 3:23
  last
• 3:23
  forever.
• 3:25
  It
• 3:25
  just
• 3:25
  doesn't.
• 3:27
  And
• 3:27
  those
• 3:27
  breakthroughs
• 3:28
  that
• 3:28
  all
• 3:28
  of
• 3:29
  us
• 3:29
  are
• 3:29
  working
• 3:29
  towards,
• 3:30
  they
• 3:30
  come
• 3:30
  from
• 3:31
  decisions
• 3:31
  made
• 3:32
  months
• 3:32
  ago,
• 3:32
  maybe
• 3:33
  even
• 3:33
  years
• 3:33
  ago.
• 3:34
  They
• 3:35
  come
• 3:35
  from
• 3:35
  patience
• 3:36
  or
• 3:37
  they
• 3:37
  come
• 3:37
  from
• 3:37
  both
• 3:37
  of
• 3:37
  those
• 3:38
  things.
• 3:39
  Now,
• 3:39
  right
• 3:39
  now
• 3:40
  you
• 3:40
  might
• 3:40
  be
• 3:40
  saying,
• 3:40
  ralph,
• 3:40
  I'm
• 3:41
  still
• 3:41
  in
• 3:41
  the
• 3:41
  struggle.
• 3:42
  But
• 3:42
  let
• 3:42
  me
• 3:43
  just
• 3:43
  tell
• 3:43
  you,
• 3:43
  there
• 3:43
  is
• 3:43
  a
• 3:44
  path
• 3:44
  forward.
• 3:44
  And
• 3:44
  I
• 3:44
  want
• 3:45
  to
• 3:45
  break
• 3:45
  that
• 3:45
  down
• 3:45
  on
• 3:46
  today's
• 3:46
  show
• 3:46
  by
• 3:47
  talking
• 3:47
  about
• 3:47
  some
• 3:47
  reflections.
• 3:49
  Here's
• 3:49
  the
• 3:49
  first
• 3:50
  reflection.
• 3:51
  She
• 3:51
  solved
• 3:52
  the
• 3:52
  actual
• 3:52
  problem,
• 3:53
  not
• 3:54
  just
• 3:54
  the
• 3:54
  income
• 3:54
  problem.
• 3:56
  Why
• 3:56
  do
• 3:56
  I
• 3:57
  say
• 3:57
  that?
• 3:58
  She
• 3:58
  had
• 3:58
  worked
• 3:59
  five
• 3:59
  years
• 3:59
  as
• 3:59
  a
• 3:59
  full
• 4:00
  time
• 4:00
  teacher.
• 4:01
  She
• 4:01
  made
• 4:01
  decent
• 4:02
  money,
• 4:03
  but
• 4:03
  she
• 4:03
  was
• 4:03
  losing
• 4:04
  it
• 4:04
  to
• 4:04
  child
• 4:04
  care
• 4:04
  costs.
• 4:05
  Basically,
• 4:05
  she
• 4:06
  was
• 4:06
  paying
• 4:06
  out
• 4:07
  whatever
• 4:07
  she
• 4:07
  was
• 4:07
  making
• 4:08
  in
• 4:08
  child
• 4:09
  care
• 4:09
  costs.
• 4:11
  That's
• 4:11
  not
• 4:11
  a
• 4:11
  money
• 4:11
  problem,
• 4:12
  that's
• 4:13
  a
• 4:13
  math
• 4:13
  problem.
• 4:15
  When
• 4:15
  child
• 4:15
  care
• 4:15
  costs
• 4:16
  are
• 4:16
  about
• 4:16
  the
• 4:17
  same
• 4:17
  as
• 4:17
  your
• 4:17
  salary,
• 4:18
  you're
• 4:18
  basically
• 4:19
  paying
• 4:19
  someone
• 4:19
  else
• 4:20
  to
• 4:20
  work.
• 4:20
  I've
• 4:21
  had
• 4:21
  to
• 4:21
  say
• 4:21
  that
• 4:21
  to
• 4:22
  many
• 4:22
  clients
• 4:22
  over
• 4:22
  the
• 4:23
  years.
• 4:23
  Husband
• 4:24
  and
• 4:24
  wife
• 4:24
  come
• 4:24
  in
• 4:24
  and
• 4:25
  they
• 4:25
  say,
• 4:25
  oh,
• 4:25
  our
• 4:25
  child
• 4:25
  care.
• 4:26
  I
• 4:26
  can't
• 4:26
  believe
• 4:27
  what
• 4:27
  people
• 4:27
  pay
• 4:27
  for
• 4:28
  child
• 4:28
  care
• 4:28
  sometimes.
• 4:29
  And
• 4:29
  I've
• 4:29
  had
• 4:29
  to
• 4:30
  have
• 4:30
  that
• 4:30
  conversation
• 4:31
  with
• 4:31
  a
• 4:31
  partner
• 4:32
  and
• 4:32
  said,
• 4:32
  you
• 4:32
  know
• 4:32
  what,
• 4:33
  it
• 4:33
  doesn't
• 4:33
  really
• 4:34
  make
• 4:34
  a
• 4:34
  lot
• 4:34
  of
• 4:34
  sense
• 4:34
  for
• 4:34
  you
• 4:35
  to
• 4:35
  work
• 4:35
  now.
• 4:36
  It's
• 4:36
  not
• 4:36
  always
• 4:36
  just
• 4:36
  the
• 4:37
  salary.
• 4:37
  So
• 4:37
  I
• 4:37
  don't
• 4:38
  want
• 4:38
  to
• 4:38
  make
• 4:38
  this
• 4:38
  generalization.
• 4:40
  Sometimes
• 4:40
  it's
• 4:40
  benefits,
• 4:41
  sometimes
• 4:42
  it's
• 4:42
  other
• 4:42
  things.
• 4:42
  But
• 4:43
  really
• 4:43
  take
• 4:43
  a
• 4:44
  look.
• 4:45
  And
• 4:45
  what
• 4:45
  she
• 4:45
  says
• 4:46
  here
• 4:46
  is
• 4:46
  her
• 4:46
  and
• 4:46
  her
• 4:46
  partner
• 4:47
  moved
• 4:47
  in
• 4:47
  together.
• 4:48
  That
• 4:48
  wasn't
• 4:48
  casual.
• 4:49
  They
• 4:49
  restructured
• 4:50
  decisions
• 4:51
  so
• 4:51
  that
• 4:51
  the
• 4:51
  math
• 4:52
  could
• 4:52
  work.
• 4:53
  And
• 4:53
  then
• 4:53
  all
• 4:53
  of
• 4:53
  a
• 4:53
  sudden
• 4:53
  she
• 4:54
  was
• 4:54
  doing
• 4:54
  the
• 4:54
  right
• 4:54
  things
• 4:54
  and
• 4:55
  got
• 4:55
  laid
• 4:55
  off.
• 4:56
  But
• 4:57
  rather
• 4:57
  than
• 4:57
  chasing
• 4:58
  any
• 4:58
  teaching
• 4:59
  job,
• 4:59
  she
• 5:00
  looked
• 5:00
  for
• 5:00
  the
• 5:00
  one
• 5:00
  that
• 5:01
  actually
• 5:01
  solved
• 5:02
  her
• 5:02
  problem.
• 5:03
  And
• 5:03
  when
• 5:04
  she
• 5:04
  did
• 5:04
  that,
• 5:04
  she
• 5:04
  went
• 5:04
  to
• 5:05
  grad
• 5:05
  school.
• 5:05
  She
• 5:06
  found
• 5:06
  a
• 5:06
  position
• 5:06
  at
• 5:07
  her
• 5:07
  daughter's
• 5:07
  school.
• 5:07
  And
• 5:08
  I
• 5:08
  love
• 5:08
  about
• 5:08
  this
• 5:09
  part,
• 5:09
  the
• 5:10
  schedule
• 5:10
  lets
• 5:10
  her
• 5:10
  drop
• 5:11
  off
• 5:11
  and
• 5:11
  pick
• 5:11
  up
• 5:11
  her
• 5:12
  children,
• 5:12
  and
• 5:12
  there's
• 5:13
  no
• 5:13
  child
• 5:13
  care
• 5:13
  cost.
• 5:14
  And
• 5:14
  here's
• 5:15
  the
• 5:15
  best
• 5:15
  part.
• 5:15
  She's
• 5:16
  making
• 5:16
  three
• 5:16
  times
• 5:16
  what
• 5:17
  she
• 5:17
  would
• 5:17
  make
• 5:17
  tutoring.
• 5:18
  But
• 5:18
  that's
• 5:18
  not
• 5:18
  even
• 5:19
  the
• 5:19
  real
• 5:19
  win.
• 5:20
  The
• 5:20
  real
• 5:21
  win
• 5:21
  here
• 5:21
  is
• 5:21
  her
• 5:22
  salary
• 5:22
  isn't
• 5:23
  being
• 5:23
  eaten
• 5:23
  by
• 5:24
  someone
• 5:24
  else's
• 5:24
  salary
• 5:25
  anymore.
• 5:25
  She's
• 5:25
  not
• 5:26
  just
• 5:26
  paying
• 5:26
  money
• 5:27
  for
• 5:27
  childcare.
• 5:29
  She
• 5:29
  was
• 5:29
  able
• 5:29
  to
• 5:29
  fix
• 5:30
  the
• 5:30
  equation
• 5:31
  and
• 5:31
  now
• 5:31
  she
• 5:32
  can
• 5:32
  start
• 5:32
  to
• 5:32
  build
• 5:33
  instead
• 5:33
  of
• 5:33
  just
• 5:33
  surviving.
• 5:35
  You're
• 5:35
  going
• 5:36
  to
• 5:36
  hear
• 5:36
  this
• 5:36
  a
• 5:36
  lot
• 5:36
  moving
• 5:37
  forward.
• 5:37
  Money
• 5:38
  is
• 5:38
  emotional
• 5:39
  before
• 5:40
  it's
• 5:40
  mathematical.
• 5:42
  And
• 5:42
  that
• 5:42
  one
• 5:43
  why
• 5:43
  step
• 5:43
  she
• 5:44
  took
• 5:44
  beat
• 5:45
  weeks
• 5:45
  of
• 5:46
  other
• 5:46
  avoidance.
• 5:48
  Here's
• 5:48
  the
• 5:48
  second
• 5:49
  reflection.
• 5:50
  She
• 5:50
  didn't
• 5:50
  pretend
• 5:51
  survival
• 5:51
  mode
• 5:51
  wasn't
• 5:52
  real,
• 5:53
  and
• 5:53
  now
• 5:53
  she
• 5:54
  has
• 5:54
  a
• 5:54
  plan.
• 5:55
  When
• 5:55
  you're
• 5:56
  in
• 5:56
  survival
• 5:56
  mode,
• 5:57
  that's
• 5:57
  a
• 5:58
  real
• 5:58
  thing.
• 5:58
  It's
• 5:59
  a
• 5:59
  stressful
• 5:59
  thing.
• 6:00
  It
• 6:00
  will
• 6:01
  wear
• 6:01
  on
• 6:01
  you.
• 6:02
  Yeah.
• 6:03
  She
• 6:03
  was
• 6:03
  tutoring,
• 6:03
  making
• 6:04
  less
• 6:04
  than
• 6:04
  $1,000
• 6:05
  a
• 6:05
  month.
• 6:05
  She
• 6:06
  said
• 6:06
  it.
• 6:06
  My
• 6:06
  partner
• 6:07
  was
• 6:07
  carrying
• 6:07
  the
• 6:07
  household.
• 6:08
  That,
• 6:08
  my
• 6:09
  friends,
• 6:09
  is
• 6:09
  survival
• 6:10
  mode.
• 6:11
  See,
• 6:11
  some
• 6:12
  people
• 6:12
  pretend
• 6:12
  that's
• 6:13
  not
• 6:13
  happening.
• 6:13
  They
• 6:14
  try
• 6:14
  to
• 6:14
  make
• 6:14
  it
• 6:14
  look
• 6:14
  good
• 6:14
  on
• 6:15
  paper.
• 6:16
  She
• 6:16
  didn't.
• 6:17
  She
• 6:17
  was
• 6:17
  very
• 6:17
  clear
• 6:17
  about
• 6:18
  it.
• 6:18
  She
• 6:18
  said
• 6:18
  to
• 6:18
  me,
• 6:18
  I
• 6:19
  got
• 6:19
  behind
• 6:19
  on
• 6:19
  my
• 6:19
  debts,
• 6:20
  Ralph.
• 6:20
  I
• 6:21
  used
• 6:21
  credit
• 6:21
  cards.
• 6:22
  I
• 6:22
  went
• 6:23
  to
• 6:23
  grad
• 6:23
  school
• 6:24
  as
• 6:24
  an
• 6:24
  investment,
• 6:25
  and
• 6:25
  I
• 6:25
  let
• 6:26
  my
• 6:26
  partner
• 6:26
  carry
• 6:27
  more
• 6:27
  of
• 6:27
  it.
• 6:28
  Well,
• 6:29
  that's
• 6:29
  what
• 6:29
  humans
• 6:29
  do.
• 6:29
  In
• 6:30
  survival
• 6:30
  mode,
• 6:31
  she
• 6:32
  survived.
• 6:33
  She
• 6:33
  didn't
• 6:34
  shame
• 6:34
  herself
• 6:35
  for
• 6:35
  doing
• 6:35
  it.
• 6:36
  She
• 6:36
  took
• 6:36
  the
• 6:36
  courage
• 6:38
  not
• 6:38
  to
• 6:39
  shame
• 6:39
  of
• 6:39
  that.
• 6:41
  Now
• 6:41
  she's
• 6:41
  not
• 6:41
  starting
• 6:42
  her,
• 6:42
  she's
• 6:42
  paying
• 6:42
  off
• 6:43
  her
• 6:43
  car.
• 6:43
  She
• 6:43
  said
• 6:43
  it.
• 6:44
  I've
• 6:44
  only
• 6:44
  got
• 6:44
  $1,000
• 6:45
  left.
• 6:46
  And.
• 6:46
  And
• 6:46
  when
• 6:46
  she
• 6:46
  gets
• 6:46
  that
• 6:47
  paid
• 6:47
  off,
• 6:47
  she
• 6:47
  can
• 6:48
  start
• 6:48
  to
• 6:48
  redirect
• 6:48
  that
• 6:49
  money
• 6:49
  towards
• 6:50
  paying
• 6:50
  off
• 6:50
  the
• 6:50
  rest
• 6:50
  of
• 6:51
  that
• 6:51
  debt.
• 6:52
  Now,
• 6:52
  that
• 6:52
  might
• 6:52
  not
• 6:52
  sound
• 6:53
  exciting.
• 6:53
  You
• 6:54
  don't
• 6:54
  hear
• 6:54
  her
• 6:54
  saying,
• 6:54
  I'm
• 6:54
  going
• 6:55
  to
• 6:55
  go
• 6:55
  buy
• 6:55
  a
• 6:55
  new
• 6:55
  car.
• 6:55
  We're
• 6:56
  going
• 6:56
  to
• 6:56
  upsize
• 6:56
  our
• 6:56
  house.
• 6:57
  It's
• 6:58
  not
• 6:58
  some
• 6:58
  quick
• 6:58
  fix,
• 6:59
  but
• 7:00
  she's
• 7:00
  in
• 7:00
  a
• 7:00
  direction.
• 7:02
  She's
• 7:02
  breaking
• 7:03
  out
• 7:03
  of
• 7:03
  survival
• 7:04
  mode.
• 7:04
  She's
• 7:04
  going
• 7:04
  to
• 7:05
  get
• 7:05
  that
• 7:05
  debt
• 7:05
  paid
• 7:05
  off,
• 7:06
  and
• 7:06
  that's
• 7:06
  going
• 7:06
  to
• 7:07
  lead
• 7:07
  to
• 7:07
  progress.
• 7:09
  She's
• 7:09
  not
• 7:09
  living
• 7:10
  in
• 7:10
  shame
• 7:10
  of
• 7:10
  being
• 7:10
  in
• 7:11
  survival.
• 7:11
  She's
• 7:12
  living
• 7:12
  in
• 7:12
  truth
• 7:13
  and
• 7:13
  developing
• 7:14
  a
• 7:14
  plan.
• 7:15
  She's
• 7:15
  building
• 7:16
  a
• 7:16
  system
• 7:16
  that
• 7:17
  works
• 7:17
  when
• 7:17
  the
• 7:18
  willpower
• 7:18
  won't
• 7:19
  work.
• 7:20
  Here's
• 7:20
  the
• 7:20
  third
• 7:21
  reflection.
• 7:22
  If
• 7:22
  you're
• 7:22
  still
• 7:23
  in
• 7:23
  the
• 7:23
  struggle,
• 7:23
  you
• 7:24
  might
• 7:24
  be
• 7:24
  listening
• 7:24
  right
• 7:25
  now,
• 7:25
  and
• 7:26
  you're
• 7:26
  like,
• 7:26
  ralph,
• 7:26
  I'm
• 7:27
  still
• 7:27
  in
• 7:27
  the
• 7:27
  struggle.
• 7:27
  Hear
• 7:28
  what
• 7:28
  she
• 7:28
  said
• 7:28
  here.
• 7:29
  Her
• 7:29
  breakthrough
• 7:30
  took
• 7:30
  three,
• 7:31
  four,
• 7:31
  or
• 7:31
  five
• 7:32
  years.
• 7:33
  It
• 7:33
  didn't
• 7:33
  happen
• 7:33
  overnight.
• 7:34
  It
• 7:34
  wasn't
• 7:34
  like
• 7:35
  some
• 7:35
  boom
• 7:35
  magic.
• 7:36
  She
• 7:36
  started
• 7:37
  teaching,
• 7:37
  and
• 7:38
  then
• 7:38
  she
• 7:38
  lost
• 7:38
  her
• 7:38
  job.
• 7:39
  So
• 7:39
  she
• 7:39
  pivoted.
• 7:40
  She
• 7:40
  went
• 7:40
  to
• 7:40
  tutoring,
• 7:41
  she
• 7:41
  went
• 7:41
  to
• 7:42
  grad
• 7:42
  school.
• 7:43
  Her
• 7:43
  partner
• 7:44
  was
• 7:44
  covering
• 7:44
  her
• 7:44
  expenses.
• 7:45
  And
• 7:46
  then
• 7:46
  she
• 7:46
  found
• 7:47
  this
• 7:47
  new
• 7:47
  rule.
• 7:48
  It
• 7:49
  wasn't
• 7:49
  instant,
• 7:50
  but
• 7:51
  it
• 7:51
  was
• 7:51
  there.
• 7:52
  And
• 7:52
  she
• 7:53
  found
• 7:53
  it.
• 7:54
  So
• 7:54
  if
• 7:55
  you're
• 7:55
  in
• 7:55
  survival
• 7:55
  mode
• 7:56
  right
• 7:56
  now,
• 7:57
  hear
• 7:57
  me
• 7:57
  on
• 7:57
  this.
• 7:58
  You're
• 7:58
  not
• 7:58
  broken,
• 7:59
  you're
• 7:59
  not
• 8:00
  behind,
• 8:00
  you're
• 8:00
  not
• 8:01
  failing.
• 8:02
  You're
• 8:02
  human.
• 8:03
  You're
• 8:03
  facing
• 8:04
  a
• 8:04
  real
• 8:04
  situation.
• 8:06
  And
• 8:06
  unfortunately,
• 8:07
  sometimes
• 8:08
  real
• 8:08
  situations
• 8:09
  take
• 8:09
  time,
• 8:10
  and
• 8:11
  you
• 8:11
  got
• 8:11
  to
• 8:11
  have
• 8:11
  patience.
• 8:13
  But
• 8:13
  most
• 8:14
  of
• 8:14
  the
• 8:14
  Time,
• 8:14
  they
• 8:15
  don't
• 8:15
  last
• 8:15
  forever.
• 8:17
  And
• 8:17
  this
• 8:17
  listener
• 8:18
  just
• 8:18
  proves
• 8:18
  that
• 8:18
  to
• 8:19
  us.
• 8:20
  And
• 8:20
  I
• 8:20
  love
• 8:20
  about
• 8:21
  this,
• 8:21
  think
• 8:21
  about
• 8:21
  this.
• 8:22
  God
• 8:22
  can
• 8:22
  use
• 8:23
  even
• 8:23
  your
• 8:23
  mistakes
• 8:25
  to
• 8:26
  build
• 8:26
  your
• 8:26
  wisdom.
• 8:28
  And
• 8:28
  there's
• 8:28
  another
• 8:29
  part
• 8:29
  of
• 8:29
  the
• 8:29
  story
• 8:29
  I
• 8:29
  want
• 8:29
  to
• 8:30
  highlight.
• 8:31
  She
• 8:31
  didn't
• 8:31
  get
• 8:31
  the
• 8:32
  breakthrough
• 8:32
  all
• 8:32
  at
• 8:32
  once.
• 8:33
  She
• 8:34
  didn't
• 8:34
  say,
• 8:34
  well,
• 8:34
  this
• 8:34
  happened,
• 8:35
  this,
• 8:35
  and
• 8:35
  boom.
• 8:36
  No,
• 8:36
  that's
• 8:36
  not
• 8:36
  what
• 8:36
  she
• 8:36
  said.
• 8:37
  She
• 8:37
  made
• 8:37
  a
• 8:37
  decision
• 8:38
  to
• 8:38
  move
• 8:38
  in
• 8:38
  with
• 8:38
  her
• 8:38
  partner.
• 8:40
  She
• 8:40
  started
• 8:40
  grad
• 8:41
  school
• 8:41
  while
• 8:41
  barely
• 8:42
  surviving.
• 8:43
  What
• 8:43
  does
• 8:44
  she
• 8:44
  do?
• 8:44
  She
• 8:44
  kept
• 8:44
  showing
• 8:45
  up.
• 8:46
  She
• 8:46
  kept
• 8:46
  showing
• 8:47
  up
• 8:47
  even
• 8:47
  when
• 8:47
  work
• 8:48
  was
• 8:48
  tutoring,
• 8:49
  was
• 8:49
  making
• 8:49
  less
• 8:49
  than
• 8:49
  $1,000
• 8:50
  a
• 8:50
  month.
• 8:52
  And
• 8:52
  then
• 8:52
  one
• 8:52
  day,
• 8:53
  I
• 8:53
  don't
• 8:53
  say
• 8:53
  magically,
• 8:54
  maybe
• 8:54
  God
• 8:55
  put
• 8:55
  this
• 8:55
  in
• 8:55
  front
• 8:55
  of
• 8:55
  her,
• 8:56
  an
• 8:56
  opportunity
• 8:57
  opened
• 8:57
  up
• 8:57
  that
• 8:58
  fit
• 8:58
  everything
• 8:58
  she
• 8:59
  needed.
• 9:01
  That's
• 9:01
  not
• 9:01
  magic,
• 9:01
  my
• 9:02
  friend.
• 9:03
  That's
• 9:03
  faithfulness.
• 9:05
  And
• 9:06
  that's
• 9:06
  not
• 9:06
  the
• 9:06
  kind
• 9:06
  that
• 9:07
  makes
• 9:07
  everything
• 9:07
  easy,
• 9:08
  but
• 9:08
  it's
• 9:09
  the
• 9:09
  kind
• 9:09
  that
• 9:09
  keeps.
• 9:10
  When
• 9:10
  you
• 9:10
  keep
• 9:10
  showing
• 9:11
  up,
• 9:11
  when
• 9:11
  you
• 9:11
  keep
• 9:12
  looking,
• 9:12
  you
• 9:12
  keep
• 9:13
  hoping,
• 9:13
  even
• 9:14
  when
• 9:14
  progress
• 9:14
  feels
• 9:15
  slow.
• 9:17
  And
• 9:17
  my
• 9:17
  big
• 9:17
  takeaway
• 9:18
  from
• 9:18
  this
• 9:18
  is
• 9:18
  when
• 9:18
  you're
• 9:19
  faithful
• 9:19
  in
• 9:19
  those
• 9:19
  small
• 9:20
  moves,
• 9:21
  that
• 9:21
  big
• 9:22
  breakthrough
• 9:22
  doesn't
• 9:22
  feel
• 9:23
  like
• 9:23
  luck.
• 9:24
  It
• 9:25
  feels
• 9:25
  like
• 9:25
  something
• 9:25
  you
• 9:26
  were
• 9:26
  already
• 9:26
  building
• 9:26
  toward.
• 9:28
  And
• 9:28
  this
• 9:28
  listener
• 9:29
  is
• 9:29
  the
• 9:29
  definition
• 9:30
  of
• 9:30
  that.
• 9:30
  They
• 9:30
  were
• 9:31
  moving
• 9:31
  towards
• 9:31
  freedom
• 9:32
  the
• 9:32
  whole
• 9:32
  time.
• 9:33
  She
• 9:33
  just
• 9:34
  couldn't
• 9:34
  see
• 9:34
  the
• 9:34
  finish
• 9:35
  line.
• 9:36
  So
• 9:36
  if
• 9:36
  you're
• 9:37
  in
• 9:37
  your
• 9:37
  struggle
• 9:37
  right
• 9:38
  now,
• 9:39
  you
• 9:39
  might
• 9:39
  not
• 9:39
  see
• 9:39
  that
• 9:40
  finish
• 9:40
  line,
• 9:41
  but
• 9:41
  that
• 9:41
  finish
• 9:42
  line
• 9:42
  might
• 9:42
  be
• 9:42
  closer
• 9:43
  than
• 9:43
  you
• 9:43
  think.
• 9:44
  And
• 9:45
  the
• 9:45
  fact
• 9:45
  that
• 9:45
  you're
• 9:45
  still
• 9:46
  fighting,
• 9:47
  the
• 9:47
  fact
• 9:47
  you're
• 9:48
  still
• 9:48
  listening
• 9:48
  to
• 9:49
  this
• 9:49
  today,
• 9:50
  you're
• 9:50
  still
• 9:51
  moving
• 9:51
  towards
• 9:52
  something
• 9:52
  better.
• 9:54
  So
• 9:54
  here's
• 9:54
  your
• 9:54
  win
• 9:55
  for
• 9:55
  today.
• 9:56
  If
• 9:56
  right
• 9:57
  now
• 9:57
  you
• 9:57
  find
• 9:57
  yourself
• 9:58
  in
• 9:58
  survival
• 9:58
  mode,
• 9:59
  I
• 10:00
  want
• 10:00
  you
• 10:00
  to
• 10:00
  name
• 10:00
  just
• 10:01
  one
• 10:01
  thing
• 10:01
  you
• 10:01
  did
• 10:02
  right
• 10:02
  last
• 10:02
  month.
• 10:03
  Write
• 10:03
  it
• 10:04
  down.
• 10:04
  Just
• 10:04
  one
• 10:04
  decision,
• 10:05
  one
• 10:06
  boundary,
• 10:06
  one
• 10:07
  honest
• 10:07
  conversation,
• 10:08
  just
• 10:08
  one
• 10:09
  step
• 10:09
  forward.
• 10:09
  And
• 10:10
  write
• 10:10
  it
• 10:10
  down
• 10:11
  because
• 10:11
  you
• 10:12
  don't
• 10:12
  realize
• 10:12
  how
• 10:12
  those
• 10:13
  little
• 10:13
  steps,
• 10:14
  those
• 10:14
  little
• 10:15
  decisions
• 10:15
  you
• 10:15
  made
• 10:16
  will
• 10:17
  add
• 10:17
  up
• 10:17
  to
• 10:17
  that
• 10:18
  breakthrough.
• 10:18
  And
• 10:19
  that's
• 10:19
  what
• 10:19
  the
• 10:19
  listener
• 10:19
  found.
• 10:20
  How
• 10:20
  many
• 10:20
  small
• 10:21
  decisions
• 10:21
  that
• 10:22
  led
• 10:22
  to
• 10:22
  her
• 10:22
  breakthrough.
• 10:23
  That's
• 10:24
  how
• 10:24
  it
• 10:24
  works.
• 10:25
  You
• 10:25
  don't
• 10:26
  need
• 10:26
  to
• 10:26
  see
• 10:26
  the
• 10:26
  whole
• 10:27
  path.
• 10:28
  You
• 10:28
  just
• 10:28
  see
• 10:29
  the
• 10:29
  next
• 10:29
  step.
• 10:30
  So
• 10:31
  what's
• 10:31
  yours?
• 10:31
  That's
• 10:31
  what
• 10:32
  I'm
• 10:32
  going
• 10:32
  to
• 10:32
  encourage
• 10:32
  you
• 10:32
  today
• 10:32
  to
• 10:33
  do.
• 10:33
  What's
• 10:34
  your
• 10:34
  next
• 10:34
  step?
• 10:35
  Well,
• 10:35
  let's
• 10:36
  get
• 10:36
  to
• 10:36
  our
• 10:36
  Bible
• 10:36
  verse
• 10:37
  for
• 10:37
  today.
• 10:37
  It
• 10:37
  comes
• 10:38
  to
• 10:38
  us
• 10:38
  from
• 10:38
  Second
• 10:38
  Corinthians,
• 10:39
  chapter
• 10:40
  4,
• 10:40
  verses
• 10:41
  8
• 10:41
  and
• 10:41
  9.
• 10:42
  It
• 10:42
  says,
• 10:42
  we
• 10:43
  are
• 10:43
  hard
• 10:43
  pressed
• 10:44
  on
• 10:44
  every
• 10:44
  side,
• 10:44
  but
• 10:45
  not
• 10:45
  crushed.
• 10:46
  Perplexed,
• 10:47
  but
• 10:48
  not
• 10:48
  in
• 10:48
  despair.
• 10:50
  Persecuted,
• 10:50
  but
• 10:50
  not
• 10:51
  abandoned,
• 10:52
  struck
• 10:53
  down,
• 10:54
  but
• 10:54
  not
• 10:54
  destroyed.
• 10:56
  This
• 10:56
  listener
• 10:57
  today
• 10:57
  was
• 10:57
  hard
• 10:57
  pressed.
• 10:58
  She
• 10:58
  was
• 10:59
  laid
• 10:59
  off
• 11:00
  underpaid
• 11:00
  in
• 11:01
  debt,
• 11:03
  but
• 11:04
  not
• 11:04
  crushed,
• 11:06
  not
• 11:06
  destroyed.
• 11:07
  She
• 11:08
  kept
• 11:08
  moving
• 11:08
  forward
• 11:09
  and
• 11:10
  the
• 11:10
  path
• 11:10
  opened.
• 11:12
  And
• 11:12
  that
• 11:12
  is
• 11:13
  what
• 11:13
  trusting
• 11:14
  through
• 11:14
  the
• 11:14
  struggle
• 11:15
  looks
• 11:15
  like.
• 11:16
  Trusting
• 11:16
  when
• 11:17
  you
• 11:17
  can't
• 11:17
  see
• 11:18
  the
• 11:19
  finish
• 11:19
  line,
• 11:20
  but
• 11:20
  trusting
• 11:21
  anyway.
• 11:22
  How
• 11:22
  about
• 11:22
  we
• 11:22
  pray
• 11:23
  together,
• 11:24
  Father?
• 11:24
  God,
• 11:24
  I'm
• 11:25
  lifting
• 11:25
  up
• 11:25
  everyone
• 11:25
  listening
• 11:26
  right
• 11:26
  now
• 11:26
  who's
• 11:27
  in
• 11:27
  survival
• 11:27
  mode.
• 11:29
  I
• 11:29
  just
• 11:29
  see
• 11:29
  that
• 11:30
  single
• 11:30
  parent
• 11:30
  working
• 11:31
  two
• 11:31
  jobs.
• 11:32
  I
• 11:32
  see
• 11:32
  that
• 11:33
  couple,
• 11:33
  that
• 11:33
  couple
• 11:34
  juggling
• 11:34
  childcare
• 11:35
  costs.
• 11:35
  It
• 11:35
  don't
• 11:36
  make
• 11:36
  sense.
• 11:37
  The
• 11:37
  person
• 11:38
  who
• 11:38
  just
• 11:38
  got
• 11:38
  laid
• 11:39
  off
• 11:39
  and
• 11:39
  doesn't
• 11:39
  know
• 11:39
  what's
• 11:40
  next,
• 11:41
  the
• 11:41
  person
• 11:42
  right
• 11:42
  now
• 11:42
  who's
• 11:42
  using
• 11:43
  credit
• 11:43
  cards
• 11:43
  to
• 11:43
  survive
• 11:44
  and
• 11:44
  now
• 11:44
  carries
• 11:45
  that
• 11:45
  weight,
• 11:47
  Lord,
• 11:47
  you
• 11:47
  know,
• 11:47
  they're
• 11:47
  not
• 11:48
  broken.
• 11:48
  They're
• 11:49
  still
• 11:49
  fighting,
• 11:50
  they're
• 11:50
  still
• 11:50
  surviving.
• 11:52
  And
• 11:52
  Lord,
• 11:52
  we
• 11:52
  know
• 11:53
  that
• 11:53
  survival
• 11:53
  takes
• 11:54
  strength.
• 11:55
  So
• 11:55
  Lord,
• 11:56
  today
• 11:56
  help
• 11:56
  them
• 11:56
  to
• 11:56
  see
• 11:57
  the
• 11:57
  small
• 11:57
  wins.
• 11:58
  Help
• 11:59
  them
• 11:59
  to
• 11:59
  make
• 11:59
  decisions
• 12:00
  that
• 12:00
  move
• 12:00
  towards
• 12:01
  freedom,
• 12:01
  not
• 12:02
  just
• 12:02
  temporary
• 12:02
  relief.
• 12:04
  And
• 12:04
  help
• 12:04
  them
• 12:05
  to
• 12:05
  find
• 12:05
  courage
• 12:05
  to
• 12:06
  ask
• 12:06
  for
• 12:06
  help
• 12:06
  when
• 12:06
  they
• 12:07
  need
• 12:07
  it.
• 12:08
  And
• 12:08
  Lord,
• 12:09
  if
• 12:09
  their
• 12:09
  breakthrough
• 12:10
  comes
• 12:10
  suddenly
• 12:11
  like
• 12:11
  that
• 12:11
  listeners
• 12:12
  did
• 12:12
  today,
• 12:12
  help
• 12:13
  them
• 12:13
  remember
• 12:13
  it
• 12:14
  didn't
• 12:14
  come
• 12:14
  out
• 12:14
  of
• 12:14
  nowhere,
• 12:15
  Lord.
• 12:16
  It
• 12:16
  came
• 12:16
  from
• 12:17
  faithfulness
• 12:17
  in
• 12:18
  the
• 12:18
  small
• 12:18
  things.
• 12:18
  And
• 12:18
  you've
• 12:19
  said
• 12:19
  it
• 12:19
  in
• 12:19
  your
• 12:19
  word
• 12:19
  that
• 12:20
  if
• 12:20
  we
• 12:20
  are
• 12:20
  faithful
• 12:21
  in
• 12:21
  small
• 12:21
  things,
• 12:22
  we
• 12:22
  will
• 12:23
  see
• 12:23
  big
• 12:23
  things,
• 12:23
  Lord,
• 12:24
  and
• 12:24
  we
• 12:24
  just
• 12:24
  ask
• 12:24
  this
• 12:25
  in
• 12:25
  Jesus
• 12:26
  name.
• 12:27
  Amen,
• 12:29
  friend.
• 12:29
  If
• 12:29
  you've
• 12:30
  got
• 12:30
  a
• 12:30
  story
• 12:30
  like
• 12:30
  this
• 12:30
  one,
• 12:31
  I'd
• 12:31
  love
• 12:31
  to
• 12:31
  hear
• 12:31
  it.
• 12:32
  This
• 12:32
  story
• 12:32
  just
• 12:33
  drove
• 12:33
  me
• 12:33
  today.
• 12:35
  It's
• 12:35
  not
• 12:35
  about
• 12:35
  validation
• 12:36
  for
• 12:36
  me,
• 12:37
  but
• 12:37
  your
• 12:37
  win
• 12:38
  might
• 12:38
  be
• 12:38
  exactly
• 12:39
  what
• 12:39
  someone
• 12:39
  else
• 12:40
  needs
• 12:40
  to
• 12:40
  hear.
• 12:41
  Someone
• 12:42
  listening
• 12:42
  right
• 12:42
  now
• 12:43
  is
• 12:43
  where
• 12:43
  you
• 12:44
  were
• 12:44
  a
• 12:44
  year
• 12:44
  ago
• 12:45
  or
• 12:45
  two
• 12:45
  years
• 12:46
  ago
• 12:46
  and
• 12:46
  they
• 12:47
  need
• 12:47
  to
• 12:47
  know
• 12:47
  the
• 12:48
  path
• 12:48
  is
• 12:48
  possible.
• 12:50
  So
• 12:50
  do
• 12:50
  me
• 12:50
  a
• 12:50
  favor
• 12:51
  and
• 12:51
  email
• 12:51
  your
• 12:51
  story
• 12:52
  to
• 12:52
  me.
• 12:52
  You
• 12:53
  can
• 12:53
  go
• 12:53
  to
• 12:53
  financiallyconfidentchristian.com
• 12:56
  question.
• 12:57
  But
• 12:57
  even
• 12:57
  better
• 12:58
  than
• 12:58
  that,
• 12:58
  I
• 12:58
  want
• 12:58
  to
• 12:58
  encourage
• 12:59
  you
• 12:59
  today
• 13:00
  if
• 13:00
  you've
• 13:00
  never
• 13:01
  done
• 13:01
  this,
• 13:01
  go
• 13:02
  to
• 13:02
  and
• 13:02
  leave
• 13:02
  me
• 13:02
  a
• 13:03
  voicemail
• 13:03
  about
• 13:03
  your
• 13:03
  story.
• 13:04
  Tell
• 13:04
  me
• 13:04
  what's
• 13:04
  going
• 13:04
  on.
• 13:05
  It
• 13:05
  doesn't
• 13:05
  have
• 13:05
  to
• 13:06
  be
• 13:06
  a
• 13:06
  question.
• 13:06
  It
• 13:07
  could
• 13:07
  be
• 13:07
  a
• 13:07
  win.
• 13:07
  You
• 13:08
  had
• 13:08
  some
• 13:08
  triumph
• 13:09
  you
• 13:09
  had
• 13:09
  in
• 13:09
  your
• 13:09
  life.
• 13:10
  I
• 13:10
  want
• 13:10
  to
• 13:10
  play
• 13:10
  those
• 13:11
  on
• 13:11
  this
• 13:11
  show.
• 13:11
  Maybe
• 13:11
  we'll
• 13:12
  put
• 13:12
  together
• 13:12
  a
• 13:12
  whole
• 13:12
  show
• 13:12
  of
• 13:13
  just
• 13:13
  wins.
• 13:14
  You
• 13:14
  can
• 13:15
  go
• 13:15
  to
• 13:15
  financiallyconfidentchristian.com/voicemail.
• 13:19
  We'll
• 13:19
  put
• 13:19
  a
• 13:19
  link
• 13:19
  in
• 13:19
  the
• 13:20
  show
• 13:20
  notes
• 13:20
  to
• 13:20
  that,
• 13:20
  but
• 13:20
  again,
• 13:21
  it's
• 13:21
  financiallyconfidentchristian.com/voicemail.
• 13:26
  Share
• 13:26
  your
• 13:26
  wins.
• 13:28
  And
• 13:28
  to
• 13:28
  today's
• 13:28
  listener,
• 13:29
  I
• 13:29
  just
• 13:29
  want
• 13:29
  to
• 13:29
  thank
• 13:29
  you
• 13:30
  so
• 13:30
  much
• 13:30
  for
• 13:30
  sharing
• 13:31
  and
• 13:31
  thank
• 13:31
  you
• 13:31
  for
• 13:32
  reminding
• 13:32
  us
• 13:32
  that
• 13:33
  the
• 13:33
  struggle
• 13:33
  is
• 13:34
  temporary
• 13:35
  and
• 13:35
  the
• 13:35
  breakthrough
• 13:36
  is
• 13:36
  real.
• 13:37
  And
• 13:37
  right
• 13:38
  now,
• 13:38
  if
• 13:38
  you're
• 13:38
  in
• 13:38
  that
• 13:39
  struggle,
• 13:40
  don't
• 13:40
  lose
• 13:40
  hope,
• 13:40
  my
• 13:41
  friend.
• 13:41
  Keep
• 13:42
  moving.
• 13:43
  The
• 13:43
  next
• 13:43
  season
• 13:43
  is
• 13:44
  coming,
• 13:45
  and
• 13:45
  I
• 13:45
  just
• 13:45
  want
• 13:45
  to
• 13:45
  encourage
• 13:46
  all
• 13:46
  of
• 13:46
  us
• 13:46
  to
• 13:46
  stay
• 13:47
  financially
• 13:47
  savvy.
• 13:48
  May
• 13:48
  God
• 13:49
  bless
• 13:49
  you,
• 13:50
  and
• 13:50
  you
• 13:50
  have
• 13:50
  a
• 13:50
  truly
• 13:51
  blessed
• 13:51
  day
• 13:51
  today.