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Tired of Resolutions Failing? Build Money Habits That Actually Last! · Becoming Financially Confident

• 0:37
  Are
• 0:37
  you
• 0:37
  tired
• 0:38
  of
• 0:38
  resolutions
• 0:38
  that
• 0:39
  fall
• 0:39
  apart
• 0:39
  by
• 0:39
  January
• 0:40
  10th?
• 0:41
  Friend,
• 0:41
  you're
• 0:41
  not
• 0:42
  alone.
• 0:42
  And
• 0:42
  here's
• 0:42
  the
• 0:42
  truth.
• 0:43
  Resolutions
• 0:44
  fade,
• 0:44
  but
• 0:44
  habits
• 0:45
  stick.
• 0:46
  So
• 0:46
  this
• 0:46
  year,
• 0:46
  instead
• 0:47
  of
• 0:47
  building
• 0:47
  hype,
• 0:48
  let's
• 0:48
  build
• 0:48
  what
• 0:48
  actually
• 0:49
  lasts.
• 0:49
  Let's
• 0:49
  take
• 0:50
  the
• 0:50
  weight
• 0:50
  off.
• 0:50
  Let's
• 0:50
  slow
• 0:51
  things
• 0:51
  down
• 0:51
  and
• 0:52
  start
• 0:52
  shaping
• 0:52
  habits
• 0:53
  that
• 0:53
  can
• 0:53
  carry
• 0:53
  you
• 0:54
  all
• 0:54
  year
• 0:54
  long.
• 0:54
  That's
• 0:54
  what
• 0:55
  I'm
• 0:55
  going
• 0:55
  to
• 0:55
  cover
• 0:55
  on
• 0:55
  today's
• 0:55
  show.
• 1:17
  Hey,
• 1:17
  friend.
• 1:18
  Ralph
• 1:18
  Estep
• 1:18
  Jr.
• 1:19
  Here.
• 1:19
  Welcome
• 1:20
  to
• 1:20
  the
• 1:20
  Financially
• 1:21
  Confident
• 1:21
  Christian,
• 1:21
  where
• 1:22
  every
• 1:22
  day
• 1:22
  we
• 1:22
  learn
• 1:22
  how
• 1:22
  to
• 1:22
  walk
• 1:23
  through
• 1:23
  life
• 1:23
  and
• 1:24
  walk
• 1:24
  through
• 1:24
  money
• 1:24
  with
• 1:25
  wisdom,
• 1:25
  with
• 1:26
  peace,
• 1:26
  and
• 1:27
  with
• 1:27
  a
• 1:27
  heart
• 1:27
  anchored
• 1:27
  in
• 1:28
  God's
• 1:28
  truth.
• 1:29
  My
• 1:29
  mission
• 1:29
  here
• 1:29
  is
• 1:30
  simple.
• 1:30
  To
• 1:30
  help
• 1:31
  you
• 1:31
  break
• 1:31
  that
• 1:31
  cycle
• 1:32
  of
• 1:32
  financial
• 1:32
  shame
• 1:33
  and
• 1:33
  build
• 1:33
  steady
• 1:33
  habits
• 1:34
  rooted
• 1:34
  in
• 1:34
  faith.
• 1:35
  Become
• 1:35
  the
• 1:36
  kind
• 1:36
  of
• 1:36
  Christian
• 1:36
  who
• 1:37
  handles
• 1:37
  money
• 1:37
  with
• 1:38
  clarity,
• 1:38
  with
• 1:39
  confidence,
• 1:39
  and
• 1:40
  spiritual
• 1:40
  purpose.
• 1:41
  If
• 1:41
  you're
• 1:42
  new
• 1:42
  here,
• 1:42
  welcome
• 1:43
  home.
• 1:43
  And
• 1:43
  if
• 1:43
  you're
• 1:43
  returning,
• 1:44
  I'm
• 1:44
  grateful
• 1:44
  you
• 1:45
  came
• 1:45
  back.
• 1:46
  Yesterday,
• 1:46
  we
• 1:46
  talked
• 1:47
  about
• 1:47
  priorities,
• 1:47
  those
• 1:48
  things
• 1:48
  that
• 1:48
  matter
• 1:49
  the
• 1:49
  most
• 1:49
  in
• 1:49
  2026.
• 1:51
  Today,
• 1:51
  we're
• 1:51
  going
• 1:52
  to
• 1:52
  shift
• 1:52
  from
• 1:52
  priorities
• 1:53
  to
• 1:53
  patterns.
• 1:54
  Because
• 1:54
  resolutions
• 1:55
  might
• 1:55
  inspire
• 1:56
  you
• 1:56
  for
• 1:56
  a
• 1:56
  moment,
• 1:56
  but
• 1:57
  habits
• 1:57
  transform
• 1:58
  you
• 1:58
  for
• 1:58
  a
• 1:58
  lifetime.
• 1:59
  A
• 1:59
  listener
• 2:00
  asked
• 2:00
  Ralph,
• 2:01
  every
• 2:01
  year
• 2:01
  I
• 2:01
  start
• 2:02
  strong,
• 2:03
  but
• 2:03
  the
• 2:03
  habits
• 2:03
  never
• 2:04
  last.
• 2:05
  How
• 2:05
  do
• 2:05
  I
• 2:05
  make
• 2:06
  changes
• 2:06
  that
• 2:06
  actually
• 2:07
  stick?
• 2:07
  This
• 2:07
  time?
• 2:09
  That
• 2:09
  frustration
• 2:10
  is
• 2:10
  real.
• 2:10
  You're
• 2:11
  not
• 2:11
  the
• 2:11
  only
• 2:11
  one
• 2:11
  feeling
• 2:11
  it
• 2:12
  today.
• 2:12
  Some
• 2:13
  lose
• 2:13
  momentum
• 2:13
  by
• 2:14
  January
• 2:14
  10th,
• 2:15
  some
• 2:15
  by
• 2:15
  January
• 2:15
  3rd,
• 2:16
  and
• 2:16
  some,
• 2:16
  let's
• 2:16
  be
• 2:16
  honest,
• 2:17
  by
• 2:17
  day
• 2:18
  two.
• 2:18
  For
• 2:18
  me,
• 2:18
  it's
• 2:18
  like
• 2:18
  by
• 2:19
  hour
• 2:19
  two.
• 2:20
  That
• 2:20
  doesn't
• 2:21
  mean
• 2:21
  something's
• 2:21
  wrong
• 2:22
  with
• 2:22
  you.
• 2:22
  We've
• 2:23
  all
• 2:23
  been
• 2:23
  there.
• 2:24
  January
• 2:25
  motivation
• 2:25
  hits
• 2:26
  us
• 2:26
  hard.
• 2:26
  We
• 2:26
  see
• 2:26
  it
• 2:26
  on
• 2:26
  the
• 2:27
  calendar.
• 2:27
  We're
• 2:27
  energized.
• 2:28
  We're
• 2:28
  ready.
• 2:28
  We're
• 2:29
  hopeful.
• 2:30
  But
• 2:30
  then
• 2:30
  life
• 2:30
  gets
• 2:31
  busy.
• 2:31
  That
• 2:32
  stress
• 2:32
  builds,
• 2:32
  those
• 2:33
  old
• 2:33
  rhythms
• 2:34
  return,
• 2:34
  and
• 2:34
  the
• 2:34
  new
• 2:34
  habits,
• 2:35
  they
• 2:35
  just
• 2:35
  fall
• 2:36
  apart.
• 2:37
  And
• 2:37
  then
• 2:38
  you
• 2:38
  feel
• 2:38
  defeated,
• 2:39
  you
• 2:39
  feel
• 2:40
  disappointed.
• 2:41
  You
• 2:41
  feel
• 2:41
  like,
• 2:41
  oh,
• 2:42
  I
• 2:42
  failed
• 2:42
  again.
• 2:43
  But
• 2:44
  hear
• 2:44
  me
• 2:44
  on
• 2:44
  this.
• 2:44
  Hear
• 2:44
  me
• 2:45
  loud
• 2:45
  and
• 2:45
  clear.
• 2:45
  Nothing
• 2:46
  is
• 2:46
  wrong
• 2:46
  with
• 2:47
  you.
• 2:47
  There's
• 2:48
  something
• 2:48
  wrong
• 2:49
  with
• 2:49
  your
• 2:49
  systems.
• 2:50
  You
• 2:51
  don't
• 2:51
  rise
• 2:51
  to
• 2:51
  the
• 2:52
  level
• 2:52
  of
• 2:52
  your
• 2:52
  goals.
• 2:52
  You
• 2:53
  fall
• 2:53
  to
• 2:53
  the
• 2:53
  level
• 2:54
  of
• 2:54
  your
• 2:54
  habits.
• 2:54
  That's
• 2:55
  right,
• 2:55
  from
• 2:55
  James
• 2:55
  Clear.
• 2:56
  He
• 2:56
  nailed
• 2:56
  that
• 2:57
  in
• 2:57
  a
• 2:57
  book
• 2:57
  called
• 2:57
  Atomic
• 2:58
  Habits,
• 3:00
  and
• 3:00
  research
• 3:01
  says
• 3:01
  the
• 3:01
  exact
• 3:02
  same
• 3:02
  thing.
• 3:02
  Those
• 3:03
  small,
• 3:03
  automatic
• 3:04
  habits
• 3:04
  outperform
• 3:05
  big
• 3:05
  resolutions
• 3:06
  every
• 3:06
  single
• 3:07
  time.
• 3:07
  Why?
• 3:08
  Because
• 3:08
  motivation
• 3:09
  is
• 3:09
  emotional.
• 3:10
  But
• 3:11
  habits,
• 3:12
  they're
• 3:12
  structural.
• 3:13
  And
• 3:13
  when
• 3:13
  you
• 3:13
  automate
• 3:14
  the
• 3:14
  right
• 3:14
  things,
• 3:15
  your
• 3:15
  system
• 3:15
  does
• 3:16
  the
• 3:16
  work,
• 3:16
  even
• 3:17
  when
• 3:17
  your
• 3:17
  motivation
• 3:18
  disappears
• 3:19
  and
• 3:19
  automation
• 3:20
  increases
• 3:20
  consistently
• 3:21
  by
• 3:21
  up
• 3:21
  to
• 3:21
  70%.
• 3:22
  That's
• 3:22
  not
• 3:22
  hype.
• 3:23
  That's
• 3:23
  hope.
• 3:24
  And
• 3:25
  for
• 3:25
  decades,
• 3:25
  I've
• 3:26
  helped
• 3:26
  people
• 3:26
  build
• 3:26
  financial
• 3:27
  systems
• 3:27
  that
• 3:27
  truly
• 3:28
  last.
• 3:28
  And
• 3:29
  I've
• 3:29
  noticed
• 3:29
  Something
• 3:30
  powerful.
• 3:31
  The
• 3:31
  people
• 3:31
  who
• 3:31
  make
• 3:32
  the
• 3:32
  most
• 3:32
  progress
• 3:33
  are
• 3:33
  not
• 3:33
  the
• 3:34
  most
• 3:34
  motivated.
• 3:35
  They're
• 3:35
  the
• 3:35
  most
• 3:35
  consistent.
• 3:37
  And
• 3:37
  that
• 3:37
  consistency
• 3:38
  comes
• 3:38
  from
• 3:38
  habits.
• 3:39
  You
• 3:39
  no
• 3:39
  longer
• 3:40
  have
• 3:40
  to
• 3:40
  think
• 3:40
  about
• 3:41
  that.
• 3:41
  Automation
• 3:42
  builds
• 3:42
  discipline
• 3:43
  without
• 3:43
  draining
• 3:43
  your
• 3:44
  energy.
• 3:44
  And
• 3:44
  it
• 3:45
  gives
• 3:45
  your
• 3:45
  future
• 3:45
  self
• 3:46
  a
• 3:46
  gift.
• 3:46
  Hey,
• 3:46
  you
• 3:46
  want
• 3:47
  a
• 3:47
  future
• 3:47
  self
• 3:47
  gift?
• 3:48
  Here's
• 3:48
  how
• 3:48
  you
• 3:48
  do
• 3:48
  it.
• 3:48
  Today,
• 3:49
  listener
• 3:49
  told
• 3:49
  me
• 3:49
  this.
• 3:50
  She
• 3:50
  said,
• 3:50
  ralph,
• 3:51
  I
• 3:51
  quit
• 3:51
  making
• 3:51
  resolutions.
• 3:52
  I
• 3:52
  just
• 3:52
  automated
• 3:53
  my
• 3:53
  habits.
• 3:54
  Here's
• 3:54
  what
• 3:54
  she
• 3:55
  automated.
• 3:55
  She
• 3:56
  set
• 3:56
  up
• 3:56
  a
• 3:56
  weekly
• 3:56
  savings
• 3:57
  transfer
• 3:57
  automatically,
• 3:58
  A
• 3:58
  monthly
• 3:59
  giving
• 3:59
  amount
• 3:59
  automatic,
• 4:00
  a
• 4:00
  recurring
• 4:01
  debt
• 4:01
  payment
• 4:02
  and
• 4:02
  a
• 4:02
  recurring
• 4:02
  retirement
• 4:03
  deposit.
• 4:03
  She
• 4:04
  said
• 4:04
  this.
• 4:04
  She
• 4:04
  said,
• 4:04
  ralph,
• 4:05
  I
• 4:05
  stopped
• 4:06
  trying
• 4:06
  harder
• 4:06
  and
• 4:06
  started
• 4:07
  setting
• 4:07
  up
• 4:07
  systems
• 4:08
  that
• 4:08
  carried
• 4:08
  me.
• 4:09
  One
• 4:09
  year
• 4:10
  later,
• 4:10
  she
• 4:10
  was
• 4:11
  saving
• 4:11
  more,
• 4:11
  she
• 4:12
  was
• 4:12
  giving
• 4:12
  more.
• 4:12
  And
• 4:13
  hey,
• 4:13
  she
• 4:13
  was
• 4:13
  stressing
• 4:14
  less.
• 4:14
  Not
• 4:14
  because
• 4:15
  she
• 4:15
  was
• 4:15
  more
• 4:15
  motivated,
• 4:16
  because
• 4:16
  she
• 4:16
  had
• 4:17
  more
• 4:17
  structure.
• 4:17
  She
• 4:18
  had
• 4:18
  systems.
• 4:20
  So
• 4:20
  how
• 4:20
  do
• 4:20
  you
• 4:21
  build
• 4:21
  money
• 4:21
  habits
• 4:21
  that
• 4:22
  actually
• 4:22
  last?
• 4:23
  How
• 4:23
  do
• 4:23
  you
• 4:23
  create
• 4:23
  changes
• 4:24
  that
• 4:24
  stay
• 4:24
  strong
• 4:25
  long
• 4:25
  after
• 4:25
  January
• 4:26
  fades?
• 4:27
  Let's
• 4:27
  break
• 4:27
  it
• 4:27
  down.
• 4:28
  I've
• 4:28
  got
• 4:28
  some
• 4:28
  gentle
• 4:29
  and
• 4:29
  simple
• 4:29
  ways
• 4:29
  to
• 4:29
  do
• 4:30
  it.
• 4:30
  Number
• 4:30
  one,
• 4:31
  start
• 4:32
  tiny.
• 4:32
  I
• 4:32
  want
• 4:32
  you
• 4:33
  to
• 4:33
  spend
• 4:33
  less
• 4:33
  than
• 4:33
  two
• 4:33
  minutes.
• 4:34
  If
• 4:34
  a
• 4:35
  habit's
• 4:35
  too
• 4:35
  big,
• 4:35
  guess
• 4:36
  what?
• 4:36
  You're
• 4:36
  not
• 4:36
  going
• 4:36
  to
• 4:36
  stick
• 4:36
  to
• 4:37
  it.
• 4:37
  Not
• 4:37
  because
• 4:37
  you're
• 4:38
  weak,
• 4:38
  but
• 4:39
  because
• 4:39
  life
• 4:39
  is
• 4:39
  full
• 4:40
  and
• 4:40
  big
• 4:40
  habits
• 4:41
  collapse
• 4:41
  under
• 4:41
  real
• 4:42
  pressure.
• 4:43
  But
• 4:43
  a
• 4:43
  habit
• 4:43
  that
• 4:44
  takes
• 4:44
  two
• 4:44
  minutes
• 4:44
  or
• 4:44
  less,
• 4:45
  that's
• 4:45
  a
• 4:45
  habit
• 4:45
  that
• 4:46
  lives,
• 4:46
  in
• 4:46
  my
• 4:46
  experience.
• 4:47
  Here's
• 4:47
  some
• 4:47
  examples.
• 4:48
  You
• 4:48
  open
• 4:48
  your
• 4:48
  banking
• 4:49
  app
• 4:49
  every
• 4:49
  morning
• 4:50
  while
• 4:50
  the
• 4:50
  coffee
• 4:51
  is
• 4:51
  brewing,
• 4:51
  just
• 4:51
  long
• 4:51
  enough
• 4:52
  to
• 4:52
  stay
• 4:52
  where,
• 4:52
  hey,
• 4:53
  you
• 4:53
  see
• 4:53
  what's
• 4:53
  going
• 4:53
  on?
• 4:54
  Or
• 4:54
  maybe
• 4:54
  you
• 4:54
  log
• 4:55
  one
• 4:55
  transaction
• 4:55
  from
• 4:56
  yesterday.
• 4:56
  Not
• 4:56
  perfect
• 4:57
  bookkeeping,
• 4:58
  just
• 4:58
  one
• 4:58
  little
• 4:58
  act
• 4:59
  of
• 4:59
  clarity.
• 5:00
  Or
• 5:00
  maybe,
• 5:00
  like
• 5:01
  clients
• 5:01
  have
• 5:01
  said
• 5:01
  before,
• 5:02
  you
• 5:02
  pause
• 5:02
  before
• 5:02
  a
• 5:03
  purchase
• 5:03
  and
• 5:03
  whisper,
• 5:03
  lord,
• 5:04
  guide
• 5:05
  this
• 5:05
  decision.
• 5:06
  Or
• 5:07
  maybe
• 5:07
  you
• 5:07
  move
• 5:07
  $5
• 5:08
  into
• 5:08
  savings
• 5:09
  to
• 5:09
  find
• 5:09
  financial
• 5:09
  equivalent
• 5:10
  of
• 5:10
  planting
• 5:10
  a
• 5:11
  seed
• 5:11
  you'll
• 5:11
  thank
• 5:12
  yourself
• 5:12
  for
• 5:12
  later.
• 5:14
  Those
• 5:14
  tiny
• 5:14
  habits
• 5:15
  might
• 5:15
  seem
• 5:15
  insignificant,
• 5:17
  but
• 5:17
  tiny
• 5:17
  is
• 5:17
  spiritual,
• 5:18
  tiny
• 5:19
  is
• 5:19
  sustainable.
• 5:20
  And
• 5:20
  tiny
• 5:20
  is
• 5:21
  how
• 5:21
  lifelong
• 5:21
  change
• 5:22
  begin.
• 5:22
  It
• 5:22
  starts
• 5:22
  in
• 5:23
  those
• 5:23
  tiny
• 5:23
  steps
• 5:25
  and
• 5:25
  then
• 5:25
  automate
• 5:26
  what
• 5:26
  motivation
• 5:27
  can't
• 5:27
  sustain.
• 5:28
  Motivation
• 5:29
  is
• 5:29
  loud
• 5:29
  at
• 5:29
  the
• 5:30
  beginning,
• 5:30
  like
• 5:30
  the
• 5:30
  first
• 5:30
  of
• 5:30
  the
• 5:31
  year.
• 5:31
  It's
• 5:31
  great,
• 5:31
  right?
• 5:32
  But
• 5:32
  then
• 5:33
  it
• 5:33
  gets
• 5:33
  quiet
• 5:33
  when
• 5:34
  life
• 5:34
  gets
• 5:34
  messy.
• 5:35
  But
• 5:35
  automation
• 5:36
  doesn't
• 5:36
  care
• 5:36
  if
• 5:37
  you're
• 5:37
  tired,
• 5:37
  it
• 5:37
  doesn't
• 5:37
  care
• 5:38
  if
• 5:38
  you're
• 5:38
  stressed.
• 5:38
  It
• 5:39
  doesn't
• 5:39
  care
• 5:39
  if
• 5:39
  you're
• 5:39
  discouraged
• 5:40
  or
• 5:40
  distracted.
• 5:41
  It
• 5:41
  just
• 5:41
  keeps
• 5:41
  going
• 5:42
  when
• 5:42
  your
• 5:42
  emotions
• 5:43
  don't.
• 5:43
  Here's
• 5:44
  some
• 5:44
  great
• 5:44
  examples.
• 5:45
  Let's
• 5:45
  say
• 5:45
  your
• 5:45
  savings
• 5:46
  transfer
• 5:46
  happens
• 5:47
  every
• 5:47
  Friday,
• 5:47
  even
• 5:48
  on
• 5:48
  the
• 5:48
  weeks
• 5:48
  you
• 5:48
  forgot.
• 5:49
  Or
• 5:49
  you
• 5:50
  set
• 5:50
  that
• 5:50
  tithe
• 5:50
  up
• 5:50
  to
• 5:51
  run
• 5:51
  automatically.
• 5:52
  Just
• 5:52
  a
• 5:52
  quiet
• 5:53
  act
• 5:53
  of
• 5:53
  worship
• 5:54
  built
• 5:54
  into
• 5:54
  your
• 5:54
  rhythm.
• 5:55
  Maybe
• 5:56
  your
• 5:56
  focus
• 5:56
  is
• 5:57
  those
• 5:57
  debt
• 5:57
  payments
• 5:57
  that
• 5:58
  debt
• 5:58
  payment
• 5:58
  goes
• 5:58
  out
• 5:58
  the
• 5:59
  same
• 5:59
  day
• 5:59
  every
• 5:59
  month.
• 6:00
  No
• 6:00
  decision
• 6:00
  fatigue.
• 6:02
  I
• 6:02
  love
• 6:02
  this
• 6:02
  with
• 6:02
  retirement.
• 6:03
  Your
• 6:03
  retirement
• 6:03
  deposits
• 6:04
  show
• 6:04
  up
• 6:04
  every
• 6:05
  paycheck.
• 6:05
  Just
• 6:05
  small
• 6:06
  deposits
• 6:06
  that
• 6:06
  grow
• 6:07
  into
• 6:07
  big
• 6:07
  testimonies
• 6:08
  over
• 6:09
  time.
• 6:10
  Or
• 6:10
  maybe
• 6:11
  your
• 6:11
  bills
• 6:11
  pay
• 6:11
  themselves.
• 6:13
  Remove
• 6:13
  that
• 6:13
  fear
• 6:14
  of
• 6:14
  that
• 6:14
  collector
• 6:14
  call.
• 6:15
  Or
• 6:15
  that,
• 6:15
  did
• 6:15
  I
• 6:16
  miss
• 6:16
  something
• 6:16
  again?
• 6:17
  Because
• 6:18
  the
• 6:18
  automation
• 6:18
  guards
• 6:19
  your
• 6:19
  goals
• 6:19
  from
• 6:19
  your
• 6:19
  mood.
• 6:20
  And
• 6:20
  it
• 6:20
  protects
• 6:21
  your
• 6:21
  progress
• 6:21
  when
• 6:22
  you're
• 6:22
  not
• 6:22
  feeling
• 6:22
  strong.
• 6:23
  And
• 6:23
  listen,
• 6:23
  we're
• 6:23
  all
• 6:23
  being
• 6:24
  honest.
• 6:24
  Sometimes
• 6:24
  we
• 6:24
  don't
• 6:25
  feel
• 6:25
  too
• 6:25
  strong.
• 6:25
  Are
• 6:25
  we?
• 6:26
  Here's
• 6:27
  another
• 6:27
  great
• 6:27
  idea.
• 6:28
  Attach
• 6:28
  those
• 6:28
  new
• 6:28
  habits
• 6:29
  to
• 6:29
  old
• 6:29
  rhythms.
• 6:30
  We
• 6:30
  talked
• 6:30
  about
• 6:30
  this
• 6:30
  habit
• 6:31
  stacking.
• 6:32
  Habits
• 6:32
  stick
• 6:33
  when
• 6:33
  they're
• 6:33
  tied
• 6:34
  to
• 6:34
  something
• 6:34
  you
• 6:34
  already
• 6:35
  do.
• 6:35
  Without
• 6:35
  thinking,
• 6:36
  you're
• 6:36
  not
• 6:37
  creating
• 6:37
  a
• 6:37
  new
• 6:37
  routine.
• 6:38
  You're
• 6:38
  attaching
• 6:38
  meaning
• 6:39
  to
• 6:39
  routines
• 6:39
  you
• 6:39
  already
• 6:40
  have.
• 6:40
  Like,
• 6:41
  maybe
• 6:41
  during
• 6:41
  your
• 6:41
  morning
• 6:42
  coffee,
• 6:42
  you
• 6:42
  checked
• 6:42
  yesterday's
• 6:43
  spending.
• 6:44
  Or
• 6:44
  on
• 6:44
  your
• 6:44
  commute,
• 6:44
  you
• 6:45
  pray
• 6:45
  for
• 6:45
  wisdom
• 6:46
  over
• 6:46
  today's
• 6:46
  decisions.
• 6:47
  Or
• 6:47
  during
• 6:48
  your
• 6:48
  lunch
• 6:48
  break,
• 6:48
  you
• 6:48
  move
• 6:49
  one
• 6:49
  small
• 6:49
  amount
• 6:49
  into
• 6:50
  savings.
• 6:50
  Or
• 6:50
  maybe
• 6:51
  during
• 6:51
  your
• 6:51
  evening
• 6:52
  routine,
• 6:52
  you
• 6:52
  review
• 6:52
  tomorrow's
• 6:53
  money
• 6:53
  task.
• 6:54
  Or
• 6:55
  during
• 6:55
  that
• 6:55
  bedtime
• 6:56
  prayer,
• 6:56
  you
• 6:56
  thank
• 6:56
  God
• 6:57
  for
• 6:57
  one
• 6:57
  provision
• 6:58
  from
• 6:58
  the
• 6:58
  day.
• 6:59
  Those
• 6:59
  new
• 7:00
  habits
• 7:00
  need
• 7:00
  anchors,
• 7:01
  those
• 7:02
  steady
• 7:02
  moments
• 7:02
  that
• 7:03
  hold
• 7:03
  them
• 7:03
  in
• 7:03
  place
• 7:05
  and
• 7:05
  track
• 7:05
  your
• 7:05
  streaks.
• 7:06
  Not
• 7:06
  perfection.
• 7:07
  Perfection
• 7:07
  kills
• 7:08
  momentum
• 7:08
  before
• 7:08
  it
• 7:09
  even
• 7:09
  begins.
• 7:10
  But
• 7:10
  streaks.
• 7:11
  Streaks
• 7:11
  build
• 7:11
  identity.
• 7:12
  Streaks.
• 7:13
  Whisper.
• 7:13
  You're
• 7:13
  doing
• 7:14
  it.
• 7:14
  Look,
• 7:14
  you're
• 7:15
  showing
• 7:15
  up.
• 7:16
  Tell
• 7:17
  yourself
• 7:17
  literally
• 7:17
  out
• 7:18
  loud.
• 7:18
  I'm
• 7:18
  someone
• 7:19
  who
• 7:19
  shows
• 7:19
  up.
• 7:20
  I'm
• 7:20
  someone
• 7:20
  who
• 7:20
  saves.
• 7:21
  I'm
• 7:21
  someone
• 7:22
  who
• 7:22
  grows.
• 7:22
  I'm
• 7:23
  someone
• 7:23
  who
• 7:23
  honors
• 7:24
  God
• 7:24
  with
• 7:24
  my
• 7:24
  daily
• 7:25
  habits.
• 7:26
  Track
• 7:26
  those
• 7:27
  days
• 7:27
  you
• 7:27
  showed
• 7:27
  up,
• 7:28
  not
• 7:28
  the
• 7:28
  days
• 7:28
  you
• 7:28
  fell
• 7:29
  short.
• 7:29
  When
• 7:30
  you
• 7:30
  miss
• 7:30
  a
• 7:30
  day,
• 7:30
  don't
• 7:31
  start
• 7:31
  over.
• 7:31
  You
• 7:32
  simply
• 7:32
  continue
• 7:32
  the
• 7:33
  story.
• 7:34
  Because
• 7:34
  consistency
• 7:35
  beats
• 7:35
  intensity
• 7:36
  every
• 7:36
  single
• 7:37
  time.
• 7:37
  Which
• 7:38
  leads
• 7:38
  us
• 7:38
  to
• 7:38
  Galatians,
• 7:39
  chapter
• 7:40
  6,
• 7:40
  verse
• 7:40
  9.
• 7:41
  Let
• 7:41
  us
• 7:42
  not
• 7:42
  become
• 7:42
  weary
• 7:42
  in
• 7:42
  doing
• 7:43
  good,
• 7:43
  for
• 7:44
  at
• 7:44
  the
• 7:44
  proper
• 7:44
  time
• 7:45
  we
• 7:45
  will
• 7:45
  reap
• 7:45
  a
• 7:45
  harvest.
• 7:46
  If
• 7:46
  we
• 7:46
  do
• 7:47
  not
• 7:47
  give
• 7:47
  up,
• 7:49
  those
• 7:49
  habits
• 7:49
  are
• 7:49
  sowing.
• 7:50
  Freedom
• 7:51
  is
• 7:51
  the
• 7:51
  harvest,
• 7:51
  and
• 7:52
  you
• 7:52
  will
• 7:52
  reap
• 7:52
  if
• 7:53
  you
• 7:53
  do
• 7:54
  not
• 7:54
  quit.
• 7:55
  How
• 7:55
  about
• 7:55
  we
• 7:56
  pray
• 7:56
  together?
• 7:56
  Lord,
• 7:57
  thank
• 7:57
  you
• 7:57
  for
• 7:58
  the
• 7:58
  gift
• 7:58
  of
• 7:58
  consistency.
• 7:59
  Help
• 7:59
  me
• 8:00
  build
• 8:00
  habits
• 8:00
  that
• 8:00
  honor
• 8:01
  you.
• 8:01
  Help
• 8:01
  me
• 8:02
  build
• 8:02
  habits
• 8:02
  that
• 8:02
  strengthen
• 8:03
  me
• 8:03
  to
• 8:03
  stay
• 8:04
  faithful
• 8:04
  in
• 8:04
  the
• 8:04
  small
• 8:05
  things.
• 8:06
  Guide
• 8:06
  my
• 8:07
  steps,
• 8:07
  guide
• 8:08
  my
• 8:08
  habits.
• 8:09
  Guide
• 8:09
  my
• 8:10
  heart.
• 8:11
  And
• 8:11
  I
• 8:11
  ask
• 8:11
  this
• 8:12
  in
• 8:12
  Jesus
• 8:12
  name.
• 8:13
  Amen.
• 8:14
  Okay,
• 8:14
  here's
• 8:14
  your
• 8:15
  action
• 8:15
  step
• 8:15
  for
• 8:15
  today.
• 8:15
  I
• 8:16
  want
• 8:16
  you
• 8:16
  to
• 8:16
  just
• 8:16
  choose
• 8:16
  one
• 8:17
  habit
• 8:17
  to
• 8:17
  automate
• 8:18
  this
• 8:18
  week.
• 8:18
  Just
• 8:18
  one.
• 8:19
  Not
• 8:19
  15.
• 8:20
  Just
• 8:20
  one.
• 8:20
  Here's
• 8:21
  some
• 8:21
  examples.
• 8:22
  Automate
• 8:22
  that
• 8:23
  $25
• 8:23
  savings.
• 8:24
  Automate
• 8:25
  that
• 8:25
  giving.
• 8:26
  Automate
• 8:26
  that
• 8:26
  debt
• 8:27
  payment.
• 8:27
  Automate
• 8:28
  that
• 8:28
  retirement
• 8:28
  deposit.
• 8:29
  And
• 8:29
  let
• 8:30
  your
• 8:30
  system
• 8:30
  carry
• 8:30
  the
• 8:30
  weight
• 8:31
  when
• 8:31
  your
• 8:31
  motivation
• 8:32
  never
• 8:32
  could.
• 8:33
  And
• 8:33
  before
• 8:34
  we
• 8:34
  wrap
• 8:34
  up
• 8:34
  today,
• 8:35
  listen
• 8:35
  to
• 8:35
  what
• 8:35
  one
• 8:36
  member
• 8:36
  shared
• 8:36
  after
• 8:37
  joining
• 8:37
  our
• 8:37
  community.
• 8:38
  I
• 8:38
  joined
• 8:39
  because
• 8:39
  I
• 8:39
  was
• 8:39
  tired
• 8:40
  of
• 8:40
  feeling
• 8:40
  like
• 8:40
  a
• 8:40
  failure.
• 8:41
  I
• 8:41
  needed
• 8:42
  a
• 8:42
  place
• 8:42
  where
• 8:42
  I
• 8:42
  could
• 8:43
  grow
• 8:43
  without
• 8:43
  judgment.
• 8:44
  The
• 8:44
  daily
• 8:45
  prompts
• 8:45
  calm
• 8:46
  my
• 8:46
  mind,
• 8:46
  the
• 8:47
  prayers
• 8:47
  strengthened
• 8:48
  my
• 8:48
  heart
• 8:48
  and
• 8:48
  the
• 8:49
  encouragement
• 8:49
  lifts
• 8:50
  my
• 8:50
  spirit.
• 8:51
  The
• 8:51
  fact
• 8:51
  that
• 8:51
  it's
• 8:52
  free
• 8:52
  stunned
• 8:53
  me
• 8:53
  and
• 8:53
  the
• 8:53
  optional
• 8:54
  support
• 8:54
  never
• 8:54
  feels
• 8:55
  pressured.
• 8:56
  I'm
• 8:56
  learning,
• 8:56
  I'm
• 8:57
  healing,
• 8:58
  and
• 8:58
  I'm
• 8:58
  not
• 8:58
  walking
• 8:59
  alone
• 8:59
  anymore.
• 9:00
  Friend,
• 9:01
  you
• 9:01
  don't
• 9:01
  have
• 9:01
  to
• 9:01
  walk
• 9:01
  alone
• 9:02
  anymore
• 9:02
  either.
• 9:02
  I'm
• 9:03
  going
• 9:03
  to
• 9:03
  encourage
• 9:03
  you
• 9:03
  to
• 9:03
  join
• 9:04
  our
• 9:04
  community.
• 9:04
  Go
• 9:04
  to
• 9:04
  financiallyconfidentchristian.com/join
• 9:08
  again.
• 9:08
  That's
• 9:09
  financiallyconfidentchristian.com/join
• 9:13
  friend,
• 9:13
  you
• 9:13
  don't
• 9:14
  need
• 9:14
  more
• 9:14
  motivation.
• 9:15
  You
• 9:15
  just
• 9:15
  need
• 9:16
  more
• 9:16
  rhythms.
• 9:17
  You
• 9:17
  don't
• 9:17
  need
• 9:17
  more
• 9:18
  intensity.
• 9:18
  You
• 9:19
  need
• 9:19
  more
• 9:19
  consistency.
• 9:21
  Your
• 9:21
  habits
• 9:22
  will
• 9:22
  shape
• 9:22
  your
• 9:23
  harvest.
• 9:24
  So
• 9:24
  build
• 9:24
  slowly,
• 9:25
  build
• 9:25
  gently,
• 9:26
  but
• 9:26
  build
• 9:27
  faithfully.
• 9:27
  Go
• 9:28
  out
• 9:28
  there
• 9:28
  today
• 9:28
  and
• 9:29
  be
• 9:29
  the
• 9:29
  financially
• 9:30
  confident
• 9:30
  Christian
• 9:31
  that
• 9:31
  I
• 9:31
  know
• 9:31
  you
• 9:31
  can
• 9:32
  be.
• 9:32
  You
• 9:32
  can
• 9:32
  do
• 9:32
  this.
• 9:33
  I
• 9:33
  have
• 9:33
  confidence
• 9:33
  in
• 9:34
  you.
• 9:34
  Have
• 9:34
  confidence
• 9:35
  in
• 9:35
  yourself.
• 9:35
  Stay
• 9:36
  financially
• 9:36
  savvy.
• 9:37
  God
• 9:37
  bless
• 9:37
  you
• 9:38
  and
• 9:38
  I'll
• 9:38
  see
• 9:38
  you
• 9:38
  again
• 9:39
  on
• 9:39
  tomorrow's
• 9:39
  show.