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What Do I Do If Someone Opened A Loan in My Name? · Becoming Financially Confident

• 0:37
  How
• 0:37
  fast
• 0:38
  can
• 0:38
  financial
• 0:38
  peace
• 0:39
  disappear?
• 0:40
  Well,
• 0:40
  for
• 0:41
  one
• 0:41
  19
• 0:41
  year
• 0:41
  old,
• 0:42
  it
• 0:42
  happened
• 0:42
  the
• 0:42
  moment
• 0:43
  they
• 0:43
  discovered
• 0:43
  a
• 0:44
  $3,000
• 0:44
  loan
• 0:45
  was
• 0:45
  opened
• 0:45
  in
• 0:46
  their
• 0:46
  name
• 0:46
  by
• 0:46
  someone
• 0:47
  else.
• 0:48
  So,
• 0:48
  in
• 0:48
  today's
• 0:49
  episode,
• 0:49
  I
• 0:50
  talk
• 0:50
  with
• 0:50
  someone
• 0:50
  who's
• 0:51
  panicking
• 0:51
  after
• 0:51
  finding
• 0:52
  out
• 0:52
  their
• 0:52
  personal
• 0:53
  information
• 0:53
  will
• 0:54
  use
• 0:54
  to
• 0:54
  take
• 0:54
  on
• 0:55
  a
• 0:55
  debt
• 0:55
  they
• 0:55
  never
• 0:55
  agreed
• 0:56
  to.
• 0:57
  And
• 0:57
  now
• 0:57
  they're
• 0:57
  being
• 0:58
  told
• 0:58
  they
• 0:58
  may
• 0:58
  still
• 0:59
  be
• 0:59
  responsible.
• 0:59
  While
• 1:00
  the
• 1:00
  case
• 1:00
  is
• 1:00
  being
• 1:00
  investigated,
• 1:02
  their
• 1:02
  mind
• 1:02
  is
• 1:03
  racing.
• 1:03
  Their
• 1:04
  future
• 1:04
  suddenly
• 1:04
  feels
• 1:05
  uncertain.
• 1:05
  And
• 1:06
  the
• 1:06
  scariest
• 1:07
  part,
• 1:07
  they're
• 1:08
  realizing
• 1:08
  how
• 1:09
  powerless
• 1:09
  identity
• 1:10
  theft
• 1:10
  can
• 1:10
  make
• 1:10
  you
• 1:11
  feel
• 1:11
  when
• 1:11
  you
• 1:12
  don't
• 1:12
  even
• 1:12
  know
• 1:12
  where
• 1:12
  to
• 1:13
  start.
• 1:14
  So
• 1:14
  what
• 1:14
  do
• 1:14
  you
• 1:14
  do
• 1:14
  first
• 1:15
  before
• 1:15
  fear
• 1:16
  takes
• 1:16
  over
• 1:16
  completely?
• 1:17
  That's
• 1:18
  what
• 1:18
  I'm
• 1:18
  covering
• 1:18
  on
• 1:18
  today's
• 1:19
  show.
• 1:28
  Hello,
• 1:29
  friend.
• 1:30
  Ralph
• 1:30
  Estep
• 1:30
  Jr.
• 1:31
  Here.
• 1:31
  Welcome
• 1:31
  to
• 1:32
  Financially
• 1:32
  Confident
• 1:33
  Christian,
• 1:33
  where
• 1:34
  every
• 1:34
  day
• 1:34
  my
• 1:34
  goal
• 1:35
  is
• 1:35
  to
• 1:35
  help
• 1:35
  you
• 1:35
  break
• 1:36
  that
• 1:36
  cycle
• 1:36
  of
• 1:36
  financial
• 1:37
  shame
• 1:37
  and
• 1:38
  live
• 1:38
  with
• 1:38
  confidence.
• 1:39
  And
• 1:40
  we
• 1:40
  have
• 1:40
  got
• 1:41
  a
• 1:41
  great
• 1:41
  episode
• 1:42
  today.
• 1:42
  We're
• 1:42
  going
• 1:43
  to
• 1:43
  talk
• 1:43
  about
• 1:43
  what
• 1:43
  to
• 1:43
  do
• 1:43
  if
• 1:44
  someone
• 1:44
  opens
• 1:45
  debt
• 1:45
  in
• 1:45
  your
• 1:45
  name.
• 1:46
  Well,
• 1:46
  without
• 1:46
  further
• 1:46
  ado,
• 1:47
  let
• 1:47
  me
• 1:47
  get
• 1:47
  to
• 1:47
  today's
• 1:48
  listener
• 1:48
  voicemail
• 1:49
  question.
• 1:50
  I
• 1:50
  just
• 1:51
  found
• 1:51
  out
• 1:51
  someone
• 1:52
  opened
• 1:52
  a
• 1:52
  $3,000
• 1:53
  loan
• 1:54
  in
• 1:54
  my
• 1:54
  name.
• 1:55
  They
• 1:55
  had
• 1:56
  all
• 1:56
  my
• 1:56
  information,
• 1:57
  and
• 1:57
  I'm.
• 1:57
  I'm
• 1:58
  panicking.
• 1:59
  I've
• 1:59
  called
• 1:59
  the
• 1:59
  lender
• 2:00
  so
• 2:00
  many
• 2:00
  times,
• 2:01
  but
• 2:01
  they
• 2:01
  keep
• 2:01
  saying
• 2:02
  I
• 2:02
  might
• 2:02
  still
• 2:02
  be
• 2:02
  responsible
• 2:03
  while
• 2:03
  they
• 2:04
  investigate.
• 2:05
  I'm
• 2:05
  only
• 2:05
  19,
• 2:06
  I
• 2:07
  work
• 2:07
  full
• 2:07
  time,
• 2:08
  and
• 2:08
  I
• 2:08
  can't
• 2:08
  afford
• 2:09
  this.
• 2:10
  I
• 2:11
  feel
• 2:11
  like
• 2:11
  I'm
• 2:11
  drowning
• 2:12
  right
• 2:12
  now.
• 2:13
  I
• 2:13
  don't
• 2:13
  even
• 2:13
  know
• 2:13
  where
• 2:14
  to
• 2:14
  start.
• 2:15
  Ralph,
• 2:15
  what
• 2:15
  do
• 2:16
  I
• 2:16
  do?
• 2:16
  Would
• 2:17
  love
• 2:17
  to
• 2:17
  hear
• 2:17
  your
• 2:17
  thoughts
• 2:18
  on
• 2:18
  this.
• 2:18
  Thanks
• 2:18
  for
• 2:19
  all
• 2:19
  you
• 2:19
  do.
• 2:20
  All
• 2:21
  right,
• 2:21
  well,
• 2:21
  first
• 2:21
  thing
• 2:21
  is
• 2:23
  stop
• 2:23
  panicking.
• 2:24
  Number
• 2:24
  one
• 2:24
  thing,
• 2:25
  stop
• 2:25
  the
• 2:25
  panic.
• 2:27
  The
• 2:27
  sky's
• 2:27
  not
• 2:27
  falling.
• 2:28
  The
• 2:28
  world's
• 2:29
  not
• 2:29
  coming
• 2:29
  to
• 2:29
  an
• 2:29
  end.
• 2:30
  We
• 2:30
  can
• 2:30
  figure
• 2:31
  this
• 2:31
  out.
• 2:32
  But
• 2:32
  I
• 2:32
  understand
• 2:33
  your
• 2:33
  fear.
• 2:33
  Identity
• 2:34
  theft
• 2:34
  is
• 2:34
  a
• 2:35
  big
• 2:35
  deal.
• 2:35
  It
• 2:36
  creates
• 2:36
  urgency.
• 2:37
  But
• 2:37
  that
• 2:37
  panic
• 2:38
  is
• 2:38
  not
• 2:38
  going
• 2:39
  to
• 2:39
  help
• 2:39
  you
• 2:39
  solve
• 2:39
  it.
• 2:40
  Having
• 2:40
  a
• 2:41
  process
• 2:41
  will.
• 2:41
  So
• 2:42
  let's
• 2:42
  figure
• 2:42
  this
• 2:42
  out
• 2:42
  together.
• 2:43
  Here's
• 2:44
  the
• 2:44
  first
• 2:44
  thing
• 2:44
  I
• 2:44
  want
• 2:44
  to
• 2:44
  tell
• 2:44
  you
• 2:45
  to
• 2:45
  do.
• 2:45
  You've
• 2:46
  got
• 2:46
  to
• 2:46
  treat
• 2:46
  this
• 2:46
  like
• 2:47
  fraud
• 2:47
  immediately.
• 2:49
  You've
• 2:49
  realized
• 2:50
  this
• 2:50
  from
• 2:50
  the
• 2:50
  beginning.
• 2:51
  There's
• 2:51
  something
• 2:51
  going
• 2:51
  on
• 2:52
  here.
• 2:52
  So
• 2:53
  you've
• 2:53
  already
• 2:53
  started
• 2:53
  the
• 2:53
  process.
• 2:54
  You've
• 2:54
  started
• 2:55
  to
• 2:55
  talk
• 2:55
  with
• 2:55
  the
• 2:55
  lender.
• 2:56
  It
• 2:56
  sounds
• 2:56
  like
• 2:56
  the
• 2:57
  lender
• 2:57
  is
• 2:57
  giving
• 2:57
  you
• 2:57
  the
• 2:57
  runaround,
• 2:58
  but
• 2:59
  continue
• 2:59
  in
• 3:00
  that
• 3:00
  process.
• 3:01
  State
• 3:02
  clearly
• 3:02
  that
• 3:02
  the
• 3:02
  loan
• 3:03
  is
• 3:03
  fraudulent.
• 3:04
  Ask
• 3:05
  the
• 3:05
  lender
• 3:06
  to
• 3:06
  start
• 3:06
  what's
• 3:07
  called
• 3:07
  a
• 3:07
  fraud
• 3:07
  investigation.
• 3:09
  Start
• 3:09
  to
• 3:09
  document
• 3:10
  that.
• 3:10
  I'm
• 3:10
  going
• 3:10
  to
• 3:10
  encourage
• 3:11
  you
• 3:11
  to
• 3:11
  keep
• 3:11
  records
• 3:11
  of
• 3:12
  every
• 3:12
  single
• 3:13
  conversation.
• 3:14
  Here's
• 3:14
  who
• 3:14
  I
• 3:14
  called.
• 3:15
  Here's.
• 3:15
  Here's
• 3:15
  the
• 3:16
  time
• 3:16
  of
• 3:16
  the
• 3:16
  call,
• 3:17
  here's
• 3:17
  the
• 3:17
  person
• 3:17
  I
• 3:18
  spoke
• 3:18
  to,
• 3:18
  here
• 3:19
  was
• 3:19
  the
• 3:19
  resolution.
• 3:20
  You
• 3:20
  can't
• 3:20
  just
• 3:20
  let
• 3:20
  this
• 3:21
  go
• 3:21
  by
• 3:21
  the
• 3:21
  side.
• 3:22
  You've
• 3:22
  got
• 3:22
  to
• 3:22
  pay
• 3:23
  attention
• 3:23
  that.
• 3:23
  Dot
• 3:24
  your
• 3:24
  I's,
• 3:24
  cross
• 3:24
  your
• 3:25
  T's
• 3:25
  and
• 3:25
  build
• 3:26
  that
• 3:26
  documentation.
• 3:27
  As
• 3:27
  you
• 3:27
  know,
• 3:27
  if
• 3:28
  you
• 3:28
  listen
• 3:28
  to
• 3:28
  the
• 3:28
  show,
• 3:28
  before
• 3:29
  I
• 3:29
  used
• 3:29
  to
• 3:29
  run
• 3:29
  a
• 3:29
  credit
• 3:30
  union,
• 3:30
  we
• 3:30
  used
• 3:30
  to
• 3:30
  deal
• 3:31
  with
• 3:31
  this
• 3:31
  all
• 3:31
  the
• 3:31
  time.
• 3:32
  So
• 3:32
  get
• 3:32
  your
• 3:33
  to
• 3:33
  get
• 3:33
  that
• 3:33
  process
• 3:34
  started.
• 3:35
  Next
• 3:35
  thing
• 3:35
  I'm
• 3:35
  going
• 3:36
  to
• 3:36
  encourage
• 3:36
  you
• 3:36
  to
• 3:36
  do
• 3:37
  and
• 3:37
  a
• 3:37
  lot
• 3:37
  of
• 3:37
  people
• 3:38
  don't
• 3:38
  think
• 3:38
  about
• 3:38
  this,
• 3:38
  I
• 3:38
  recommend
• 3:39
  doing
• 3:39
  this
• 3:40
  all
• 3:40
  the
• 3:40
  time
• 3:40
  and
• 3:40
  that
• 3:41
  is
• 3:41
  lock
• 3:41
  down
• 3:42
  your
• 3:42
  credit
• 3:42
  report.
• 3:43
  A
• 3:43
  lot
• 3:44
  of
• 3:44
  people
• 3:44
  don't
• 3:44
  do
• 3:44
  this.
• 3:45
  I
• 3:45
  actually
• 3:45
  do
• 3:46
  this
• 3:46
  myself.
• 3:46
  I
• 3:47
  lock
• 3:47
  down
• 3:47
  all
• 3:48
  three
• 3:48
  of
• 3:48
  my
• 3:48
  credit
• 3:48
  reports
• 3:49
  until
• 3:49
  I
• 3:50
  actually
• 3:50
  need
• 3:50
  to
• 3:50
  use
• 3:51
  it.
• 3:51
  And
• 3:51
  then
• 3:51
  if
• 3:51
  I'm
• 3:51
  going
• 3:52
  to
• 3:52
  go
• 3:52
  buy
• 3:52
  a
• 3:52
  car,
• 3:53
  I'm
• 3:53
  going
• 3:53
  to
• 3:53
  apply
• 3:53
  for
• 3:54
  a
• 3:54
  loan.
• 3:54
  I
• 3:54
  unlock
• 3:55
  it.
• 3:55
  It's
• 3:55
  super
• 3:55
  easy
• 3:56
  with
• 3:56
  the
• 3:56
  apps
• 3:56
  now.
• 3:57
  But
• 3:58
  if
• 3:58
  you
• 3:58
  find
• 3:58
  yourself
• 3:59
  in
• 3:59
  a
• 3:59
  position
• 3:59
  where
• 4:00
  something
• 4:00
  is
• 4:00
  being
• 4:01
  opened
• 4:01
  on
• 4:01
  your
• 4:02
  account,
• 4:02
  freeze
• 4:03
  your
• 4:03
  credit
• 4:03
  with
• 4:04
  all
• 4:04
  the
• 4:04
  major
• 4:04
  bureaus,
• 4:06
  place
• 4:06
  fraud
• 4:06
  alerts
• 4:07
  if
• 4:07
  they're
• 4:07
  appropriate
• 4:08
  and
• 4:08
  prevent
• 4:09
  additional
• 4:09
  accounts
• 4:09
  from
• 4:10
  being
• 4:10
  open
• 4:10
  up.
• 4:10
  Because
• 4:10
  that's
• 4:10
  the
• 4:11
  thing,
• 4:11
  the
• 4:11
  thing
• 4:11
  about
• 4:11
  identity
• 4:12
  theft,
• 4:12
  what
• 4:12
  usually
• 4:13
  happens
• 4:13
  is
• 4:14
  not
• 4:14
  just
• 4:14
  going
• 4:14
  to
• 4:14
  be
• 4:14
  they're
• 4:14
  going
• 4:15
  to
• 4:15
  open
• 4:15
  one
• 4:15
  account,
• 4:16
  they
• 4:16
  are
• 4:16
  going
• 4:16
  to
• 4:16
  flame
• 4:17
  your
• 4:17
  credit
• 4:17
  as
• 4:17
  quickly
• 4:18
  as
• 4:18
  they
• 4:18
  can.
• 4:19
  So
• 4:19
  if
• 4:19
  you
• 4:19
  can
• 4:19
  lock
• 4:20
  that
• 4:20
  down,
• 4:20
  you
• 4:20
  put
• 4:20
  those
• 4:21
  fraud
• 4:21
  alerts,
• 4:21
  that's
• 4:22
  going
• 4:22
  to
• 4:22
  help
• 4:22
  you.
• 4:23
  Another
• 4:23
  thing
• 4:23
  I'm
• 4:23
  going
• 4:24
  to
• 4:24
  encourage
• 4:24
  you
• 4:24
  to
• 4:24
  do
• 4:25
  is
• 4:25
  file
• 4:25
  the
• 4:26
  necessary
• 4:26
  reports.
• 4:26
  A
• 4:27
  lot
• 4:27
  of
• 4:27
  people
• 4:27
  don't
• 4:27
  think
• 4:27
  about
• 4:28
  this.
• 4:29
  File
• 4:29
  an
• 4:30
  identity
• 4:30
  theft
• 4:30
  report
• 4:31
  with
• 4:31
  the
• 4:31
  police
• 4:31
  station,
• 4:32
  with
• 4:32
  the
• 4:32
  local
• 4:32
  Police,
• 4:34
  don't
• 4:34
  call
• 4:34
  911,
• 4:35
  call
• 4:36
  the
• 4:36
  non
• 4:36
  emergency
• 4:37
  number
• 4:37
  and
• 4:37
  say,
• 4:37
  listen,
• 4:38
  I've
• 4:38
  got
• 4:38
  the
• 4:38
  situation,
• 4:39
  I've
• 4:39
  got
• 4:39
  fraud
• 4:40
  on
• 4:40
  my
• 4:40
  account.
• 4:40
  You're
• 4:41
  probably
• 4:41
  going
• 4:41
  to
• 4:41
  get
• 4:41
  a
• 4:41
  lot
• 4:41
  of
• 4:41
  hesitation.
• 4:42
  I
• 4:42
  want
• 4:43
  somebody
• 4:43
  to
• 4:43
  take
• 4:43
  a
• 4:44
  report.
• 4:44
  So
• 4:44
  I
• 4:44
  and
• 4:44
  they'll
• 4:45
  probably
• 4:45
  say,
• 4:45
  well,
• 4:45
  someone
• 4:46
  will
• 4:46
  call
• 4:46
  you
• 4:46
  back.
• 4:46
  Great,
• 4:47
  have
• 4:47
  someone
• 4:48
  call
• 4:48
  you
• 4:48
  back.
• 4:49
  File
• 4:49
  that
• 4:49
  police
• 4:50
  report,
• 4:50
  file
• 4:51
  that
• 4:51
  report
• 4:51
  with
• 4:51
  the
• 4:52
  lender,
• 4:52
  but
• 4:53
  get
• 4:53
  a
• 4:53
  report
• 4:54
  number,
• 4:54
  a
• 4:54
  case
• 4:54
  number
• 4:55
  and
• 4:55
  document
• 4:56
  everything.
• 4:57
  That
• 4:57
  paper
• 4:58
  trail
• 4:58
  is
• 4:58
  going
• 4:58
  to
• 4:58
  matter.
• 4:59
  Because
• 4:59
  if
• 4:59
  you
• 4:59
  get
• 5:00
  to
• 5:00
  a
• 5:00
  point
• 5:00
  later
• 5:01
  where
• 5:01
  you
• 5:01
  have
• 5:01
  to
• 5:01
  dispute
• 5:02
  this,
• 5:02
  that
• 5:03
  paper
• 5:03
  trail
• 5:03
  is
• 5:03
  something
• 5:04
  you
• 5:04
  can
• 5:04
  send
• 5:04
  to
• 5:04
  the
• 5:04
  credit
• 5:05
  bureaus
• 5:05
  and
• 5:05
  say,
• 5:05
  listen,
• 5:06
  here's
• 5:06
  the
• 5:06
  police
• 5:06
  report,
• 5:07
  here's
• 5:07
  the
• 5:07
  fraud
• 5:08
  report,
• 5:08
  here's
• 5:09
  all
• 5:09
  the
• 5:09
  things
• 5:09
  I've
• 5:09
  done.
• 5:10
  This
• 5:10
  needs
• 5:10
  to
• 5:10
  come
• 5:10
  off
• 5:11
  my
• 5:11
  credit.
• 5:11
  Which
• 5:12
  leads
• 5:12
  me
• 5:12
  to
• 5:12
  the
• 5:12
  next
• 5:13
  thing.
• 5:13
  Look
• 5:14
  at
• 5:14
  your
• 5:14
  full
• 5:14
  credit
• 5:15
  report
• 5:15
  right
• 5:15
  now.
• 5:16
  This
• 5:16
  is
• 5:16
  a
• 5:16
  time
• 5:17
  right
• 5:17
  at
• 5:17
  this
• 5:17
  moment
• 5:18
  to
• 5:18
  pull
• 5:18
  all
• 5:18
  of
• 5:18
  your
• 5:19
  credit
• 5:19
  reports.
• 5:20
  I'm
• 5:20
  talking
• 5:20
  about
• 5:21
  read
• 5:21
  these
• 5:21
  things
• 5:22
  line
• 5:22
  by
• 5:23
  line.
• 5:24
  Look
• 5:24
  not
• 5:24
  only
• 5:25
  at
• 5:25
  the
• 5:25
  accounts
• 5:25
  that
• 5:25
  are
• 5:26
  open,
• 5:26
  but
• 5:26
  look
• 5:26
  at
• 5:27
  the
• 5:27
  inquiries.
• 5:28
  Look
• 5:28
  at
• 5:28
  anything
• 5:29
  on
• 5:29
  your
• 5:29
  credit
• 5:29
  report.
• 5:30
  If
• 5:30
  anything
• 5:30
  looks
• 5:31
  suspicious,
• 5:31
  get
• 5:32
  on
• 5:32
  the
• 5:32
  horn
• 5:33
  with
• 5:33
  those
• 5:33
  credit
• 5:34
  bureaus
• 5:34
  and
• 5:35
  make
• 5:35
  sure
• 5:35
  you
• 5:35
  lock
• 5:35
  down
• 5:36
  your
• 5:36
  account.
• 5:36
  Make
• 5:36
  sure
• 5:36
  you
• 5:37
  understand
• 5:37
  what's
• 5:38
  going
• 5:38
  on.
• 5:38
  Make
• 5:39
  sure
• 5:39
  there's
• 5:39
  nothing
• 5:39
  else
• 5:40
  open,
• 5:40
  unauthorized.
• 5:42
  Don't
• 5:42
  assume
• 5:42
  that
• 5:42
  this
• 5:42
  is
• 5:43
  a
• 5:43
  one
• 5:43
  off
• 5:43
  issue.
• 5:44
  Like
• 5:44
  I
• 5:44
  said,
• 5:45
  when
• 5:45
  I
• 5:45
  see
• 5:45
  identity
• 5:46
  theft
• 5:46
  happen,
• 5:47
  it
• 5:47
  usually
• 5:47
  is.
• 5:48
  They
• 5:48
  get
• 5:48
  this
• 5:49
  and
• 5:49
  they
• 5:49
  go
• 5:49
  to
• 5:49
  town
• 5:50
  with,
• 5:50
  I
• 5:50
  hate
• 5:50
  to
• 5:50
  tell
• 5:50
  you
• 5:50
  that,
• 5:51
  but
• 5:51
  it's
• 5:52
  true.
• 5:53
  But
• 5:53
  you
• 5:53
  got
• 5:53
  to
• 5:53
  stay
• 5:53
  fully
• 5:54
  engaged
• 5:54
  until
• 5:54
  it's
• 5:55
  resolved.
• 5:55
  A
• 5:55
  lot
• 5:55
  of
• 5:55
  people,
• 5:56
  they
• 5:56
  do
• 5:56
  the
• 5:56
  police
• 5:56
  report
• 5:57
  and
• 5:57
  they're
• 5:57
  like,
• 5:57
  oh,
• 5:57
  now
• 5:58
  my
• 5:58
  credit's
• 5:58
  ruined.
• 5:58
  I'm
• 5:58
  just
• 5:59
  going
• 5:59
  to
• 5:59
  throw
• 5:59
  my
• 5:59
  hands
• 5:59
  up.
• 6:00
  That's
• 6:00
  not
• 6:00
  going
• 6:00
  to
• 6:01
  help
• 6:01
  you
• 6:02
  follow
• 6:02
  up.
• 6:03
  Escalate
• 6:04
  it
• 6:04
  if
• 6:04
  necessary.
• 6:04
  Don't
• 6:05
  ignore
• 6:05
  letters
• 6:06
  or
• 6:06
  updates.
• 6:06
  Because
• 6:07
  what
• 6:07
  I
• 6:07
  have
• 6:07
  found
• 6:08
  is
• 6:08
  that
• 6:08
  resolution
• 6:09
  will
• 6:09
  finally
• 6:09
  break
• 6:10
  that
• 6:10
  fear
• 6:11
  if
• 6:11
  you
• 6:11
  have
• 6:12
  that
• 6:12
  system.
• 6:12
  But
• 6:13
  listen,
• 6:13
  this
• 6:13
  is
• 6:13
  a
• 6:13
  persistent
• 6:14
  thing.
• 6:15
  One
• 6:15
  of
• 6:15
  the
• 6:15
  big
• 6:15
  things
• 6:15
  I
• 6:16
  recommend
• 6:16
  is
• 6:16
  having
• 6:17
  identity
• 6:17
  theft
• 6:18
  protection.
• 6:18
  It's
• 6:18
  something
• 6:18
  that
• 6:19
  I
• 6:19
  use.
• 6:20
  I'm
• 6:20
  not
• 6:20
  going
• 6:20
  to
• 6:20
  give
• 6:20
  you
• 6:21
  an
• 6:21
  affiliate
• 6:21
  because
• 6:21
  I
• 6:21
  don't
• 6:22
  want
• 6:22
  to
• 6:22
  promote
• 6:22
  anybody's
• 6:23
  in
• 6:23
  particular
• 6:23
  product.
• 6:24
  But
• 6:24
  I
• 6:25
  think
• 6:25
  it's
• 6:25
  a
• 6:25
  great
• 6:25
  thing
• 6:25
  to
• 6:25
  have
• 6:26
  because
• 6:26
  this
• 6:26
  stuff
• 6:26
  happens
• 6:27
  all
• 6:27
  the
• 6:27
  time.
• 6:28
  But
• 6:28
  let's
• 6:29
  take
• 6:29
  this
• 6:29
  a
• 6:29
  little
• 6:29
  deeper.
• 6:30
  That's
• 6:30
  why
• 6:30
  you
• 6:30
  come
• 6:30
  to
• 6:30
  this
• 6:30
  show.
• 6:32
  Because
• 6:32
  what
• 6:32
  may
• 6:32
  be
• 6:33
  hitting
• 6:33
  you
• 6:33
  the
• 6:33
  hardest
• 6:34
  isn't
• 6:34
  just
• 6:34
  the
• 6:35
  money
• 6:35
  side
• 6:35
  of
• 6:35
  this,
• 6:37
  it's
• 6:37
  fear.
• 6:38
  It's
• 6:38
  that
• 6:39
  fear
• 6:39
  that
• 6:39
  something
• 6:39
  out
• 6:40
  of
• 6:40
  your
• 6:40
  control
• 6:40
  is
• 6:41
  going
• 6:41
  to
• 6:41
  derail
• 6:41
  your
• 6:42
  future.
• 6:42
  You
• 6:42
  said
• 6:42
  it.
• 6:42
  I'm
• 6:43
  19
• 6:43
  years
• 6:43
  old.
• 6:44
  I
• 6:44
  can't
• 6:44
  afford
• 6:44
  this,
• 6:45
  Ralph.
• 6:45
  I
• 6:45
  don't
• 6:45
  know
• 6:45
  what
• 6:46
  this
• 6:46
  is
• 6:46
  going
• 6:46
  to
• 6:46
  do
• 6:46
  to
• 6:46
  me.
• 6:47
  I
• 6:47
  get
• 6:47
  it.
• 6:49
  And
• 6:49
  that
• 6:49
  kind
• 6:49
  of
• 6:49
  fear
• 6:50
  can
• 6:50
  make
• 6:50
  your
• 6:50
  mind
• 6:51
  race
• 6:51
  and
• 6:52
  it'll
• 6:52
  make
• 6:52
  you
• 6:52
  physically
• 6:53
  ill.
• 6:53
  It
• 6:54
  can
• 6:54
  make
• 6:54
  your
• 6:54
  body
• 6:55
  panic.
• 6:56
  But
• 6:57
  that's
• 6:57
  not
• 6:57
  what
• 6:57
  God
• 6:58
  wants
• 6:58
  from
• 6:58
  you.
• 6:59
  Yes,
• 6:59
  this
• 6:59
  situation
• 7:00
  is
• 7:00
  serious,
• 7:00
  I
• 7:01
  get
• 7:01
  it.
• 7:02
  But
• 7:02
  friend,
• 7:02
  it's
• 7:03
  never
• 7:03
  bigger
• 7:03
  than
• 7:04
  God's
• 7:04
  ability
• 7:04
  to
• 7:04
  walk
• 7:05
  you
• 7:05
  through
• 7:05
  it.
• 7:06
  So
• 7:07
  before
• 7:07
  you
• 7:07
  do
• 7:07
  anything
• 7:08
  else,
• 7:08
  just
• 7:08
  answer
• 7:08
  a
• 7:09
  prayer
• 7:09
  right
• 7:09
  now.
• 7:09
  Lord,
• 7:10
  just
• 7:10
  steady
• 7:10
  my
• 7:10
  mind
• 7:11
  and
• 7:11
  help
• 7:11
  me
• 7:11
  handle
• 7:12
  this
• 7:12
  one
• 7:12
  step
• 7:12
  at
• 7:12
  a
• 7:13
  time.
• 7:14
  Because
• 7:15
  you
• 7:15
  don't
• 7:15
  have
• 7:15
  to
• 7:15
  solve
• 7:15
  everything
• 7:16
  today.
• 7:17
  You're
• 7:18
  probably
• 7:18
  not
• 7:18
  going
• 7:18
  to
• 7:18
  solve
• 7:19
  all
• 7:19
  of
• 7:19
  it
• 7:19
  today,
• 7:19
  to
• 7:19
  be
• 7:19
  very
• 7:20
  honest
• 7:20
  with
• 7:20
  you.
• 7:21
  You
• 7:21
  just
• 7:22
  need
• 7:22
  to
• 7:22
  take
• 7:22
  the
• 7:23
  next
• 7:23
  right
• 7:23
  step.
• 7:24
  Which
• 7:25
  leads
• 7:25
  me
• 7:25
  to
• 7:25
  today's
• 7:26
  win
• 7:26
  of
• 7:26
  the
• 7:26
  day.
• 7:27
  If
• 7:27
  you're
• 7:27
  going
• 7:27
  through
• 7:28
  this
• 7:28
  or
• 7:28
  you
• 7:28
  know
• 7:28
  somebody
• 7:29
  that's
• 7:29
  going
• 7:29
  through
• 7:29
  it,
• 7:30
  point
• 7:30
  them
• 7:30
  to
• 7:30
  this
• 7:30
  episode,
• 7:31
  but
• 7:32
  start
• 7:32
  a
• 7:32
  fraud
• 7:33
  log.
• 7:34
  It's
• 7:34
  really
• 7:34
  that
• 7:34
  simple.
• 7:35
  Open
• 7:35
  OneNote
• 7:35
  on
• 7:36
  your
• 7:36
  phone
• 7:36
  or
• 7:36
  your
• 7:36
  computer,
• 7:37
  buy
• 7:37
  a
• 7:37
  notebook,
• 7:38
  whatever
• 7:38
  that
• 7:38
  is,
• 7:38
  and
• 7:39
  track
• 7:39
  every
• 7:39
  single
• 7:40
  call,
• 7:40
  the
• 7:40
  date,
• 7:41
  the
• 7:41
  name,
• 7:42
  the
• 7:42
  updates,
• 7:43
  all
• 7:43
  in
• 7:43
  one
• 7:43
  place.
• 7:45
  That
• 7:45
  can
• 7:45
  be
• 7:45
  your
• 7:46
  go
• 7:46
  to
• 7:46
  sheet
• 7:46
  of
• 7:46
  here's
• 7:47
  what
• 7:47
  we
• 7:47
  did,
• 7:47
  here's
• 7:47
  when
• 7:48
  I
• 7:48
  found
• 7:48
  it,
• 7:48
  here's
• 7:49
  all
• 7:49
  the
• 7:49
  things
• 7:49
  I
• 7:49
  found.
• 7:49
  It's
• 7:50
  going
• 7:50
  to
• 7:50
  be
• 7:50
  super
• 7:50
  helpful
• 7:51
  for
• 7:51
  you.
• 7:51
  And
• 7:51
  that's
• 7:51
  a
• 7:51
  simple
• 7:52
  thing
• 7:52
  to
• 7:52
  do.
• 7:52
  Just
• 7:53
  a
• 7:53
  simple
• 7:53
  fraud
• 7:54
  log
• 7:54
  for
• 7:54
  any
• 7:54
  time
• 7:55
  this
• 7:55
  happens
• 7:55
  to
• 7:55
  you.
• 7:56
  Well,
• 7:56
  let's
• 7:56
  now
• 7:57
  get
• 7:57
  to
• 7:57
  our
• 7:57
  Bible
• 7:57
  verse
• 7:58
  for
• 7:58
  today.
• 7:58
  If
• 7:58
  you're
• 7:58
  new
• 7:58
  to
• 7:58
  the
• 7:59
  show,
• 7:59
  I
• 7:59
  always
• 7:59
  like
• 7:59
  to
• 8:00
  tie
• 8:00
  in
• 8:00
  scripture
• 8:00
  on
• 8:01
  this
• 8:01
  show.
• 8:01
  Today's
• 8:02
  comes
• 8:02
  from
• 8:02
  the
• 8:02
  Book
• 8:02
  of
• 8:03
  Psalms,
• 8:03
  chapter
• 8:03
  46,
• 8:04
  verse
• 8:05
  1.
• 8:05
  And
• 8:06
  this
• 8:06
  is
• 8:06
  one
• 8:06
  of
• 8:06
  those
• 8:06
  reinforcing
• 8:07
  ones.
• 8:08
  God
• 8:09
  is
• 8:09
  our
• 8:09
  refuge
• 8:10
  and
• 8:10
  strength
• 8:11
  and
• 8:11
  ever
• 8:12
  present
• 8:12
  help
• 8:12
  in
• 8:12
  trouble.
• 8:14
  Because
• 8:14
  friend,
• 8:14
  I
• 8:15
  hear
• 8:15
  what
• 8:15
  you're
• 8:15
  saying.
• 8:16
  You're
• 8:16
  in
• 8:16
  this
• 8:17
  moment
• 8:17
  of
• 8:17
  panic
• 8:18
  and
• 8:18
  uncertainty.
• 8:19
  But
• 8:20
  even
• 8:20
  now,
• 8:21
  even
• 8:21
  where
• 8:22
  you
• 8:22
  are,
• 8:23
  God
• 8:23
  is
• 8:24
  there
• 8:24
  with
• 8:24
  you.
• 8:24
  He's
• 8:25
  got
• 8:25
  his
• 8:25
  arms
• 8:25
  around
• 8:26
  you.
• 8:26
  He's
• 8:26
  present
• 8:27
  and
• 8:27
  he's
• 8:27
  steady
• 8:28
  even
• 8:28
  when
• 8:28
  everything
• 8:28
  feels
• 8:29
  chaotic
• 8:29
  and
• 8:30
  we
• 8:30
  can
• 8:30
  count
• 8:30
  on
• 8:30
  that.
• 8:30
  That's
• 8:31
  money
• 8:31
  you
• 8:31
  can
• 8:31
  take
• 8:31
  to
• 8:32
  the
• 8:32
  bank.
• 8:33
  How
• 8:33
  about
• 8:33
  we
• 8:33
  pray
• 8:33
  together
• 8:34
  right
• 8:34
  now?
• 8:35
  Heavenly
• 8:36
  Father,
• 8:37
  I
• 8:37
  want
• 8:37
  to
• 8:37
  lift
• 8:37
  up
• 8:38
  this
• 8:38
  person
• 8:38
  facing
• 8:39
  this
• 8:39
  stressful
• 8:39
  situation
• 8:40
  right
• 8:40
  now,
• 8:41
  Lord.
• 8:42
  You
• 8:42
  see
• 8:42
  their
• 8:42
  fear,
• 8:42
  you
• 8:43
  hear
• 8:43
  their
• 8:43
  fear,
• 8:44
  the
• 8:44
  confusion
• 8:45
  they
• 8:45
  feel
• 8:45
  and
• 8:46
  the
• 8:46
  panic
• 8:46
  they're
• 8:46
  carrying.
• 8:47
  So
• 8:48
  Lord,
• 8:48
  before
• 8:48
  you
• 8:48
  do
• 8:48
  anything
• 8:49
  else,
• 8:49
  bring
• 8:49
  peace
• 8:49
  to
• 8:49
  their
• 8:50
  mind.
• 8:51
  Help
• 8:51
  them
• 8:51
  to
• 8:51
  slow
• 8:52
  down,
• 8:52
  Lord.
• 8:52
  Help
• 8:52
  them
• 8:53
  to
• 8:53
  think
• 8:53
  clearly
• 8:54
  and
• 8:54
  help
• 8:54
  them
• 8:55
  to
• 8:55
  take
• 8:55
  wise
• 8:55
  action
• 8:57
  and
• 8:57
  protect
• 8:57
  them
• 8:58
  as
• 8:58
  they
• 8:58
  work
• 8:58
  through
• 8:58
  this
• 8:59
  process,
• 8:59
  Lord,
• 9:00
  give
• 9:01
  them
• 9:01
  favor
• 9:01
  with
• 9:01
  the
• 9:01
  people
• 9:02
  handling
• 9:02
  their
• 9:02
  case
• 9:03
  and
• 9:03
  help
• 9:04
  truth
• 9:04
  come
• 9:04
  to
• 9:04
  light
• 9:05
  quickly.
• 9:06
  And
• 9:06
  remind
• 9:07
  them
• 9:07
  as
• 9:07
  always,
• 9:09
  we're
• 9:09
  never
• 9:09
  alone
• 9:10
  in
• 9:10
  any
• 9:10
  of
• 9:10
  this.
• 9:11
  And
• 9:11
  you're
• 9:11
  with
• 9:11
  us
• 9:11
  every
• 9:12
  step
• 9:12
  and
• 9:12
  every
• 9:12
  tower
• 9:13
  of
• 9:13
  the
• 9:13
  way.
• 9:14
  And
• 9:14
  we
• 9:14
  ask
• 9:14
  this
• 9:15
  in
• 9:15
  Jesus
• 9:15
  name.
• 9:17
  Amen
• 9:19
  friend.
• 9:19
  I
• 9:19
  hear
• 9:19
  the
• 9:20
  panic
• 9:20
  and
• 9:20
  it
• 9:20
  gets
• 9:20
  loud.
• 9:22
  But
• 9:22
  the
• 9:22
  process
• 9:22
  we've
• 9:23
  laid
• 9:23
  out
• 9:23
  today
• 9:23
  moves
• 9:24
  you
• 9:24
  forward
• 9:25
  now
• 9:25
  maybe
• 9:26
  you're
• 9:26
  going
• 9:26
  through
• 9:26
  something
• 9:27
  as
• 9:27
  well.
• 9:28
  If
• 9:28
  you've
• 9:28
  got
• 9:28
  a
• 9:28
  story,
• 9:29
  your
• 9:29
  story
• 9:29
  matters
• 9:30
  to
• 9:30
  me.
• 9:31
  If
• 9:31
  you're
• 9:32
  walking
• 9:32
  through
• 9:32
  something
• 9:32
  like
• 9:33
  this
• 9:33
  or
• 9:33
  something
• 9:34
  similar
• 9:34
  to
• 9:34
  this,
• 9:35
  or
• 9:35
  maybe
• 9:35
  just
• 9:36
  having
• 9:36
  a
• 9:36
  financial
• 9:36
  struggle.
• 9:37
  Listen,
• 9:37
  I
• 9:37
  want
• 9:37
  to
• 9:38
  hear
• 9:38
  from
• 9:38
  you.
• 9:38
  I
• 9:39
  want
• 9:39
  to
• 9:39
  hear
• 9:39
  your
• 9:39
  voice.
• 9:40
  It's
• 9:41
  what
• 9:41
  drives
• 9:41
  me
• 9:41
  to
• 9:42
  do
• 9:42
  this
• 9:42
  show
• 9:42
  every
• 9:42
  day.
• 9:43
  Leave
• 9:43
  me
• 9:44
  a
• 9:44
  voicemail
• 9:44
  you
• 9:44
  can
• 9:44
  go
• 9:45
  to
• 9:45
  financiallyconfidentchristian.com/voicemail.
• 9:48
  You
• 9:49
  hear
• 9:49
  people
• 9:49
  already
• 9:49
  leaving
• 9:50
  messages
• 9:50
  and
• 9:50
  I
• 9:51
  would
• 9:51
  love
• 9:51
  to
• 9:51
  hear
• 9:51
  yours.
• 9:52
  We'll
• 9:52
  put
• 9:52
  a
• 9:52
  link
• 9:53
  in
• 9:53
  the
• 9:53
  show
• 9:53
  notes.
• 9:53
  It's
• 9:54
  super
• 9:54
  simple.
• 9:54
  Just
• 9:54
  Click
• 9:55
  on
• 9:55
  that
• 9:55
  link,
• 9:55
  record
• 9:56
  your
• 9:56
  voice,
• 9:56
  tell
• 9:57
  me
• 9:57
  what's
• 9:57
  going
• 9:57
  on.
• 9:57
  I
• 9:57
  can
• 9:57
  edit
• 9:58
  it
• 9:58
  for
• 9:58
  you
• 9:58
  if
• 9:58
  you
• 9:58
  want
• 9:59
  to.
• 9:59
  No
• 9:59
  big
• 9:59
  deal.
• 10:00
  Everybody's
• 10:00
  voice
• 10:01
  is
• 10:01
  great.
• 10:02
  Go
• 10:02
  to
• 10:02
  financiallyconfidentchristian.com/voicemail
• 10:06
  because
• 10:06
  working
• 10:07
  together,
• 10:07
  I
• 10:08
  truly
• 10:08
  believe
• 10:08
  this
• 10:08
  with
• 10:09
  every
• 10:09
  ounce
• 10:09
  of
• 10:09
  my
• 10:10
  soul.
• 10:10
  Working
• 10:11
  together,
• 10:11
  we
• 10:11
  can
• 10:12
  break
• 10:12
  this
• 10:12
  cycle
• 10:13
  of
• 10:13
  financial
• 10:13
  shame.
• 10:14
  And
• 10:14
  I
• 10:14
  can
• 10:14
  help
• 10:15
  you
• 10:15
  get
• 10:15
  to
• 10:15
  a
• 10:15
  place
• 10:15
  of
• 10:16
  confidence.
• 10:17
  I
• 10:17
  just
• 10:17
  want
• 10:17
  to
• 10:17
  thank
• 10:17
  you
• 10:18
  so
• 10:18
  much
• 10:18
  for
• 10:18
  giving
• 10:18
  me
• 10:18
  your
• 10:19
  time.
• 10:19
  Thank
• 10:19
  you
• 10:19
  for
• 10:19
  joining
• 10:20
  me
• 10:20
  along
• 10:20
  this
• 10:20
  journey.
• 10:21
  I
• 10:22
  want
• 10:22
  to
• 10:22
  encourage
• 10:22
  you
• 10:22
  today
• 10:22
  to
• 10:23
  stay
• 10:23
  financially
• 10:24
  savvy.
• 10:24
  May
• 10:25
  God
• 10:25
  bless
• 10:25
  you
• 10:26
  and
• 10:26
  you
• 10:26
  have
• 10:26
  a
• 10:26
  great
• 10:27
  day.
• 10:39
  Sam.