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What’s One Step I Can Take Today to Feel More Financially Stable? · Becoming Financially Confident

• 0:37
  Are
• 0:37
  you
• 0:37
  tired
• 0:38
  of
• 0:38
  feeling
• 0:38
  behind?
• 0:40
  Not
• 0:40
  reckless,
• 0:41
  not
• 0:42
  lazy,
• 0:43
  just
• 0:43
  behind.
• 0:45
  Like,
• 0:45
  no
• 0:45
  matter
• 0:45
  how
• 0:46
  hard
• 0:46
  you
• 0:46
  try,
• 0:46
  you're
• 0:47
  always
• 0:47
  playing
• 0:48
  catch
• 0:48
  up.
• 0:49
  And
• 0:50
  today,
• 0:50
  right
• 0:50
  now,
• 0:51
  you
• 0:51
  don't
• 0:51
  have
• 0:51
  the
• 0:51
  energy
• 0:52
  for
• 0:52
  a
• 0:52
  full
• 0:52
  financial
• 0:53
  overhaul.
• 0:54
  You
• 0:54
  just
• 0:55
  need
• 0:55
  one
• 0:55
  small
• 0:56
  step,
• 0:56
  one
• 0:57
  small
• 0:57
  win
• 0:58
  that
• 0:58
  makes
• 0:58
  you
• 0:59
  feel
• 0:59
  steadier
• 1:00
  before
• 1:00
  you
• 1:00
  even
• 1:00
  go
• 1:01
  to
• 1:01
  bed
• 1:01
  tonight.
• 1:02
  Well,
• 1:02
  guess
• 1:03
  what?
• 1:04
  Today
• 1:04
  I'm
• 1:05
  going
• 1:05
  to
• 1:05
  give
• 1:05
  you
• 1:05
  that
• 1:05
  step.
• 1:27
  Hello,
• 1:28
  friend.
• 1:28
  Ralph
• 1:29
  Estep
• 1:29
  Jr.
• 1:30
  Here.
• 1:30
  This
• 1:30
  is
• 1:31
  financially
• 1:31
  Confident
• 1:32
  Christian,
• 1:32
  where
• 1:33
  every
• 1:33
  day
• 1:33
  my
• 1:34
  goal
• 1:34
  is
• 1:34
  to
• 1:34
  help
• 1:34
  you
• 1:34
  break
• 1:35
  that
• 1:35
  cycle
• 1:35
  of
• 1:35
  financial
• 1:36
  shame
• 1:37
  and
• 1:37
  do
• 1:37
  it
• 1:37
  with
• 1:38
  confidence.
• 1:39
  And
• 1:39
  today's
• 1:40
  topic
• 1:40
  is
• 1:40
  this
• 1:41
  one
• 1:42
  step
• 1:42
  you
• 1:42
  can
• 1:42
  take
• 1:42
  today
• 1:43
  or
• 1:43
  tonight
• 1:44
  to
• 1:44
  feel
• 1:45
  more
• 1:45
  financially
• 1:46
  stable.
• 1:47
  Let's
• 1:47
  get
• 1:47
  right
• 1:47
  to
• 1:48
  today's
• 1:48
  listener
• 1:48
  question.
• 1:49
  Ralph,
• 1:50
  I'm
• 1:51
  tired
• 1:51
  of
• 1:51
  feeling
• 1:51
  behind
• 1:52
  all
• 1:52
  the
• 1:52
  time.
• 1:53
  I
• 1:54
  don't
• 1:54
  have
• 1:54
  it
• 1:54
  in
• 1:54
  me
• 1:54
  for
• 1:55
  a
• 1:55
  full
• 1:55
  financial
• 1:55
  overhaul.
• 1:57
  But
• 1:57
  I
• 1:57
  need
• 1:57
  to
• 1:57
  do
• 1:58
  something
• 1:58
  tonight
• 1:59
  to
• 1:59
  feel
• 1:59
  less
• 1:59
  like
• 2:00
  I'm
• 2:00
  drowning.
• 2:01
  What's
• 2:02
  one
• 2:02
  concrete
• 2:02
  step
• 2:03
  I
• 2:03
  can
• 2:03
  take
• 2:03
  this
• 2:04
  evening
• 2:04
  that'll
• 2:05
  make
• 2:05
  my
• 2:05
  money
• 2:05
  situation
• 2:06
  feel
• 2:06
  more
• 2:07
  stable?
• 2:08
  I
• 2:08
  just
• 2:08
  need
• 2:09
  a
• 2:09
  small
• 2:09
  win
• 2:09
  to
• 2:10
  hold
• 2:10
  on
• 2:10
  to
• 2:11
  something
• 2:11
  that
• 2:12
  shows
• 2:12
  me
• 2:12
  I'm
• 2:12
  not
• 2:13
  completely
• 2:14
  lost.
• 2:16
  I
• 2:17
  just
• 2:17
  want
• 2:17
  to
• 2:17
  say
• 2:17
  thank
• 2:17
  you
• 2:17
  for
• 2:18
  sending
• 2:18
  me
• 2:18
  that.
• 2:18
  Thank
• 2:19
  you
• 2:19
  for
• 2:19
  the
• 2:19
  vulnerability
• 2:20
  in
• 2:20
  that
• 2:21
  because
• 2:21
  it's
• 2:22
  so
• 2:22
  easy
• 2:22
  to
• 2:22
  feel
• 2:23
  lost
• 2:23
  at
• 2:23
  times,
• 2:23
  isn't
• 2:24
  it?
• 2:24
  And
• 2:25
  we
• 2:25
  just
• 2:25
  need
• 2:25
  one
• 2:25
  win.
• 2:26
  We
• 2:26
  feel
• 2:26
  like
• 2:26
  we've
• 2:26
  been
• 2:27
  knocked
• 2:27
  down
• 2:27
  and
• 2:28
  drug
• 2:28
  across
• 2:29
  all
• 2:29
  kinds
• 2:29
  of
• 2:29
  terrible
• 2:30
  situations
• 2:30
  all
• 2:30
  week
• 2:31
  long.
• 2:31
  And
• 2:31
  right
• 2:31
  now
• 2:31
  you're
• 2:31
  just
• 2:32
  man,
• 2:32
  I
• 2:32
  just
• 2:32
  want
• 2:33
  one
• 2:33
  win
• 2:33
  before
• 2:33
  I
• 2:34
  can
• 2:34
  go
• 2:34
  to
• 2:34
  bed.
• 2:35
  I'm
• 2:35
  going
• 2:35
  to
• 2:35
  give
• 2:35
  you
• 2:35
  that
• 2:36
  today
• 2:36
  because
• 2:37
  what
• 2:37
  I
• 2:37
  realize
• 2:38
  is
• 2:38
  stability
• 2:39
  starts
• 2:40
  with
• 2:40
  visibility.
• 2:42
  When
• 2:42
  you
• 2:42
  feel
• 2:42
  unstable,
• 2:44
  what
• 2:44
  I
• 2:44
  have
• 2:44
  found,
• 2:45
  it's
• 2:45
  usually
• 2:46
  because
• 2:46
  things
• 2:46
  feel
• 2:47
  unknown.
• 2:48
  You
• 2:48
  don't
• 2:49
  have
• 2:49
  clarity.
• 2:50
  You're
• 2:50
  not
• 2:51
  tracking
• 2:51
  things.
• 2:51
  You're
• 2:52
  uncertain
• 2:52
  about
• 2:52
  it.
• 2:54
  So
• 2:54
  today
• 2:54
  I'm
• 2:54
  not
• 2:54
  trying
• 2:55
  to
• 2:55
  fix
• 2:55
  everything.
• 2:56
  Right
• 2:57
  now
• 2:57
  I
• 2:57
  just
• 2:57
  want
• 2:57
  to
• 2:58
  help
• 2:58
  you
• 2:58
  turn
• 2:58
  on
• 2:58
  the
• 2:58
  light
• 2:59
  so
• 2:59
  you
• 2:59
  can
• 2:59
  see
• 2:59
  with
• 3:00
  clarity
• 3:00
  what's
• 3:01
  really
• 3:01
  going
• 3:01
  on.
• 3:02
  Well,
• 3:02
  how
• 3:02
  do
• 3:03
  we
• 3:03
  do
• 3:03
  that?
• 3:04
  First
• 3:04
  thing
• 3:04
  I
• 3:04
  want
• 3:05
  you
• 3:05
  to
• 3:05
  do,
• 3:05
  open
• 3:06
  every
• 3:06
  financial
• 3:07
  account
• 3:07
  you
• 3:08
  have,
• 3:08
  your
• 3:08
  checking
• 3:09
  account,
• 3:10
  your
• 3:10
  savings
• 3:10
  account,
• 3:11
  any
• 3:11
  credit
• 3:12
  cards,
• 3:12
  loan
• 3:13
  balances,
• 3:14
  car
• 3:14
  loan
• 3:14
  balances,
• 3:15
  mortgages.
• 3:16
  Don't
• 3:16
  judge
• 3:17
  yourself.
• 3:17
  I
• 3:17
  just
• 3:17
  want
• 3:18
  you
• 3:18
  to
• 3:18
  look
• 3:18
  at
• 3:18
  them.
• 3:19
  Because
• 3:19
  here's
• 3:20
  what
• 3:20
  happens
• 3:20
  to
• 3:20
  a
• 3:20
  lot
• 3:21
  of
• 3:21
  people.
• 3:22
  You
• 3:22
  avoid
• 3:22
  looking
• 3:23
  at
• 3:23
  it,
• 3:24
  and
• 3:24
  when
• 3:24
  you
• 3:24
  avoid
• 3:25
  it,
• 3:25
  it
• 3:25
  just
• 3:25
  creates
• 3:26
  more
• 3:26
  anxiety
• 3:28
  when
• 3:28
  you
• 3:28
  put
• 3:28
  it
• 3:29
  out
• 3:29
  there
• 3:29
  in
• 3:29
  the
• 3:30
  open.
• 3:30
  That
• 3:30
  clarity
• 3:32
  creates
• 3:32
  calm.
• 3:33
  So
• 3:34
  once
• 3:34
  you've
• 3:34
  looked
• 3:35
  at
• 3:35
  those
• 3:35
  things,
• 3:35
  I
• 3:35
  want
• 3:35
  you
• 3:36
  to
• 3:36
  write
• 3:36
  down
• 3:36
  three
• 3:37
  numbers.
• 3:37
  That's
• 3:38
  it.
• 3:38
  Just
• 3:38
  three.
• 3:39
  I
• 3:39
  want
• 3:39
  you
• 3:39
  to
• 3:40
  write
• 3:40
  down
• 3:40
  the
• 3:40
  total
• 3:40
  cash
• 3:41
  you
• 3:41
  have
• 3:41
  on
• 3:41
  hand.
• 3:42
  The
• 3:43
  total
• 3:43
  minimum
• 3:43
  payments
• 3:44
  due
• 3:44
  this
• 3:44
  month
• 3:45
  on
• 3:45
  all
• 3:45
  your
• 3:45
  debts
• 3:46
  and
• 3:47
  the
• 3:47
  total
• 3:47
  debt
• 3:47
  balance.
• 3:49
  This
• 3:49
  isn't
• 3:49
  a
• 3:49
  time
• 3:49
  to
• 3:50
  analyze.
• 3:51
  I
• 3:51
  just
• 3:51
  want
• 3:52
  you
• 3:52
  to
• 3:52
  ground
• 3:52
  yourself
• 3:53
  in
• 3:53
  reality.
• 3:54
  Because
• 3:55
  what
• 3:55
  I
• 3:55
  see,
• 3:56
  fear
• 3:56
  exaggerates,
• 3:58
  but
• 3:58
  numbers
• 3:59
  tell
• 3:59
  the
• 3:59
  truth.
• 3:59
  Think
• 4:00
  about
• 4:00
  it
• 4:00
  like
• 4:00
  this.
• 4:00
  How
• 4:00
  many
• 4:01
  times
• 4:01
  have
• 4:01
  you
• 4:01
  said,
• 4:01
  oh,
• 4:02
  I've
• 4:02
  got
• 4:02
  a
• 4:02
  mountain
• 4:03
  of
• 4:03
  credit
• 4:03
  card
• 4:03
  debt.
• 4:04
  What
• 4:05
  does
• 4:05
  that
• 4:05
  mountain
• 4:05
  look
• 4:06
  like?
• 4:07
  Write
• 4:07
  it
• 4:07
  down.
• 4:08
  And
• 4:08
  then
• 4:09
  once
• 4:09
  you
• 4:09
  do
• 4:09
  that,
• 4:09
  I
• 4:10
  want
• 4:10
  you
• 4:10
  to
• 4:10
  identify
• 4:11
  one
• 4:11
  pressure
• 4:12
  point.
• 4:13
  When
• 4:13
  you
• 4:14
  write
• 4:14
  all
• 4:14
  those
• 4:14
  things
• 4:14
  down,
• 4:14
  you're
• 4:15
  going
• 4:15
  to
• 4:15
  feel
• 4:15
  one
• 4:15
  thing.
• 4:15
  You're
• 4:16
  going
• 4:16
  to
• 4:16
  be
• 4:16
  like,
• 4:16
  ralph,
• 4:16
  this
• 4:16
  is
• 4:17
  a
• 4:17
  pressure
• 4:17
  point
• 4:17
  for
• 4:17
  me.
• 4:18
  What
• 4:19
  feels
• 4:19
  most
• 4:19
  unstable?
• 4:21
  Maybe
• 4:22
  it's
• 4:22
  your
• 4:22
  bank
• 4:22
  account
• 4:23
  balance.
• 4:23
  You
• 4:23
  have
• 4:23
  that
• 4:24
  overdraft
• 4:24
  risk
• 4:25
  all
• 4:25
  the
• 4:25
  time.
• 4:26
  Maybe
• 4:27
  it's
• 4:27
  that
• 4:27
  1
• 4:27
  billion.
• 4:27
  Oh,
• 4:28
  I
• 4:28
  hate
• 4:28
  this
• 4:28
  bill,
• 4:28
  Ralph.
• 4:29
  I
• 4:29
  just
• 4:29
  dread
• 4:29
  this
• 4:30
  bill.
• 4:31
  Maybe
• 4:31
  for
• 4:31
  you
• 4:31
  it's.
• 4:32
  Your
• 4:32
  account
• 4:32
  balance
• 4:32
  is
• 4:33
  always
• 4:33
  low.
• 4:34
  I
• 4:34
  just
• 4:35
  want
• 4:35
  you
• 4:35
  to
• 4:35
  circle
• 4:35
  one
• 4:36
  of
• 4:36
  those
• 4:37
  because
• 4:37
  that's
• 4:38
  going
• 4:38
  to
• 4:38
  become
• 4:38
  your
• 4:38
  focus
• 4:39
  for
• 4:39
  the
• 4:39
  next
• 4:39
  seven
• 4:40
  days.
• 4:41
  And
• 4:42
  then
• 4:42
  I
• 4:42
  want
• 4:42
  you
• 4:42
  to
• 4:42
  do
• 4:42
  this.
• 4:43
  I
• 4:43
  want
• 4:43
  you
• 4:43
  to
• 4:43
  take
• 4:43
  one
• 4:44
  protective
• 4:44
  action
• 4:45
  right
• 4:45
  now,
• 4:46
  tonight,
• 4:46
  before
• 4:46
  you
• 4:46
  go
• 4:47
  to
• 4:47
  sleep,
• 4:47
  for
• 4:47
  example.
• 4:48
  Maybe
• 4:49
  move
• 4:49
  $25
• 4:50
  into
• 4:50
  your
• 4:51
  savings
• 4:51
  account.
• 4:53
  Cancel
• 4:53
  one
• 4:53
  of
• 4:53
  those
• 4:54
  unused
• 4:54
  subscriptions.
• 4:55
  Yeah,
• 4:55
  you
• 4:55
  know
• 4:55
  I'm
• 4:55
  always
• 4:55
  talking
• 4:56
  about
• 4:56
  those.
• 4:58
  Set
• 4:58
  up
• 4:58
  one
• 4:58
  payment
• 4:59
  reminder,
• 4:59
  even
• 5:00
  an
• 5:00
  automatic
• 5:00
  payment.
• 5:01
  So
• 5:01
  I'm
• 5:01
  not
• 5:01
  going
• 5:01
  to
• 5:01
  worry
• 5:01
  about
• 5:02
  missing
• 5:02
  that
• 5:02
  this
• 5:02
  month.
• 5:04
  Maybe
• 5:04
  make
• 5:04
  one
• 5:04
  small
• 5:05
  extra
• 5:05
  payment.
• 5:07
  Or
• 5:07
  maybe
• 5:07
  text
• 5:08
  yourself
• 5:08
  this.
• 5:09
  No
• 5:10
  spending
• 5:10
  tomorrow.
• 5:12
  Because
• 5:12
  what
• 5:13
  I've
• 5:13
  seen
• 5:13
  is
• 5:13
  one
• 5:13
  protective
• 5:14
  move
• 5:15
  will
• 5:15
  help
• 5:15
  you
• 5:15
  build
• 5:16
  up
• 5:16
  real
• 5:16
  momentum.
• 5:18
  And
• 5:18
  then
• 5:19
  finally,
• 5:19
  I
• 5:19
  want
• 5:19
  you
• 5:19
  to
• 5:20
  do
• 5:20
  this.
• 5:20
  I
• 5:20
  want
• 5:20
  you
• 5:20
  to
• 5:21
  create
• 5:21
  a
• 5:21
  seven
• 5:21
  day
• 5:22
  stability
• 5:22
  promise
• 5:24
  for
• 5:24
  the
• 5:24
  next
• 5:24
  week.
• 5:25
  I
• 5:25
  want
• 5:25
  you
• 5:25
  to
• 5:25
  promise
• 5:26
  yourself
• 5:26
  this.
• 5:27
  No
• 5:28
  new
• 5:28
  debt,
• 5:29
  no
• 5:29
  emotional
• 5:30
  spending
• 5:30
  and
• 5:31
  no
• 5:31
  ignoring
• 5:31
  those
• 5:32
  balances.
• 5:33
  Just
• 5:33
  awareness
• 5:34
  and
• 5:35
  control.
• 5:36
  Let's
• 5:36
  think
• 5:37
  about
• 5:37
  this
• 5:37
  for
• 5:37
  a
• 5:37
  second.
• 5:37
  Seven
• 5:38
  days,
• 5:38
  that's
• 5:38
  manageable,
• 5:39
  isn't
• 5:39
  it?
• 5:40
  And
• 5:40
  when
• 5:41
  you
• 5:41
  can
• 5:41
  manage
• 5:41
  something,
• 5:42
  it
• 5:42
  builds
• 5:43
  confidence.
• 5:44
  Because
• 5:45
  what
• 5:45
  I
• 5:45
  will
• 5:45
  tell
• 5:45
  you,
• 5:46
  you
• 5:46
  will
• 5:46
  find
• 5:46
  here
• 5:47
  is
• 5:47
  that
• 5:48
  clarity.
• 5:49
  Seeing
• 5:50
  what
• 5:50
  the
• 5:50
  reality
• 5:51
  is
• 5:52
  will
• 5:52
  honestly
• 5:52
  calm
• 5:53
  the
• 5:53
  chaos.
• 5:55
  So
• 5:55
  here's
• 5:55
  your
• 5:55
  assignment
• 5:56
  for
• 5:56
  today.
• 5:57
  Open
• 5:57
  your
• 5:58
  accounts,
• 5:59
  write
• 5:59
  down
• 5:59
  those
• 6:00
  three
• 6:00
  numbers
• 6:00
  and
• 6:01
  circle
• 6:01
  one
• 6:01
  pressure
• 6:02
  point.
• 6:03
  And
• 6:03
  that
• 6:03
  can
• 6:03
  be
• 6:03
  your
• 6:04
  win
• 6:04
  for
• 6:04
  today.
• 6:05
  You've
• 6:05
  identified
• 6:06
  the
• 6:06
  issue
• 6:07
  and
• 6:07
  now
• 6:07
  you've
• 6:08
  got
• 6:08
  a
• 6:08
  transformation
• 6:09
  that
• 6:09
  can
• 6:09
  happen
• 6:10
  right
• 6:10
  away.
• 6:10
  It's
• 6:10
  not
• 6:10
  going
• 6:11
  to
• 6:11
  be
• 6:11
  an
• 6:11
  overnight
• 6:12
  transformation,
• 6:13
  but
• 6:13
  you're
• 6:13
  going
• 6:13
  to
• 6:13
  know
• 6:13
  what
• 6:13
  to
• 6:14
  look
• 6:14
  at
• 6:14
  and
• 6:14
  you're
• 6:15
  going
• 6:15
  to
• 6:15
  build
• 6:15
  some
• 6:15
  traction.
• 6:17
  Let's
• 6:17
  get
• 6:17
  into
• 6:17
  our
• 6:17
  Bible
• 6:18
  verse
• 6:18
  today.
• 6:18
  It
• 6:18
  comes
• 6:19
  from
• 6:19
  the
• 6:19
  book
• 6:19
  of
• 6:20
  Lamentations,
• 6:21
  chapter
• 6:21
  3,
• 6:22
  verses
• 6:22
  22
• 6:23
  and
• 6:23
  23.
• 6:25
  Because
• 6:25
  of
• 6:25
  the
• 6:25
  Lord's
• 6:26
  great
• 6:26
  love,
• 6:26
  we
• 6:26
  are
• 6:27
  not
• 6:27
  consumed,
• 6:28
  for
• 6:28
  his
• 6:29
  compassions
• 6:30
  never
• 6:30
  fail.
• 6:31
  They
• 6:31
  are
• 6:31
  new
• 6:32
  every
• 6:32
  morning.
• 6:33
  Great
• 6:33
  is
• 6:34
  your
• 6:34
  faithfulness,
• 6:36
  friend,
• 6:36
  no
• 6:36
  matter
• 6:37
  how
• 6:37
  chaotic
• 6:38
  yesterday
• 6:39
  felt.
• 6:40
  And
• 6:40
  you
• 6:40
  might
• 6:40
  be
• 6:41
  living
• 6:41
  through
• 6:41
  an
• 6:42
  absolute
• 6:42
  chaotic
• 6:43
  storm
• 6:43
  right
• 6:44
  now.
• 6:45
  God
• 6:46
  gives
• 6:46
  you
• 6:46
  a
• 6:46
  promise
• 6:47
  and
• 6:47
  a
• 6:47
  fresh
• 6:47
  start
• 6:47
  tonight
• 6:48
  and
• 6:48
  a
• 6:49
  new
• 6:49
  beginning
• 6:49
  tomorrow
• 6:50
  morning.
• 6:51
  Let's
• 6:51
  pray
• 6:51
  together.
• 6:53
  Father
• 6:53
  God,
• 6:54
  you
• 6:55
  see
• 6:55
  how
• 6:55
  tired
• 6:56
  people
• 6:56
  are.
• 6:57
  You
• 6:58
  see
• 6:58
  the
• 6:58
  mental
• 6:58
  load,
• 7:00
  that
• 7:00
  quiet
• 7:01
  fear,
• 7:02
  that
• 7:02
  feel
• 7:02
  of
• 7:03
  always
• 7:03
  being
• 7:04
  behind.
• 7:05
  So
• 7:06
  right
• 7:06
  now,
• 7:06
  Lord,
• 7:06
  I
• 7:06
  ask
• 7:06
  that
• 7:07
  you
• 7:07
  will
• 7:07
  replace
• 7:07
  panic
• 7:08
  with
• 7:08
  peace.
• 7:10
  Lord,
• 7:10
  help
• 7:10
  our
• 7:11
  listeners
• 7:11
  face
• 7:11
  the
• 7:12
  numbers
• 7:12
  without
• 7:12
  shame.
• 7:14
  Give
• 7:14
  them
• 7:14
  courage
• 7:15
  to
• 7:15
  take
• 7:15
  one
• 7:15
  small
• 7:16
  step
• 7:16
  today
• 7:16
  or
• 7:17
  tonight,
• 7:17
  whenever
• 7:17
  they
• 7:17
  do
• 7:18
  that
• 7:18
  and
• 7:18
  remind
• 7:19
  them
• 7:20
  they're
• 7:20
  not
• 7:20
  consumed.
• 7:22
  Lord,
• 7:22
  your
• 7:22
  mercy
• 7:23
  is
• 7:23
  new,
• 7:24
  your
• 7:24
  faithfulness
• 7:25
  is
• 7:25
  steady
• 7:26
  and
• 7:27
  stability
• 7:27
  can
• 7:27
  truly
• 7:28
  begin
• 7:28
  with
• 7:29
  just
• 7:29
  one
• 7:29
  faithful
• 7:30
  action.
• 7:31
  And
• 7:31
  we
• 7:32
  ask
• 7:32
  this
• 7:32
  in
• 7:32
  Jesus
• 7:33
  name,
• 7:34
  Amen.
• 7:36
  Friend,
• 7:36
  I
• 7:36
  want
• 7:37
  to
• 7:37
  leave
• 7:37
  you
• 7:37
  with
• 7:37
  this
• 7:37
  piece
• 7:38
  of
• 7:38
  encouragement.
• 7:39
  You're
• 7:39
  not
• 7:40
  lost,
• 7:41
  you're
• 7:41
  not
• 7:41
  drowning.
• 7:43
  You're
• 7:43
  just
• 7:43
  one
• 7:44
  small
• 7:44
  step
• 7:44
  away
• 7:44
  from
• 7:45
  steadier
• 7:45
  ground.
• 7:47
  And
• 7:47
  I'd
• 7:47
  love
• 7:48
  to
• 7:48
  hear
• 7:48
  from
• 7:48
  you.
• 7:48
  If
• 7:48
  you've
• 7:48
  got
• 7:49
  a
• 7:49
  question
• 7:49
  for
• 7:49
  the
• 7:49
  show
• 7:49
  or
• 7:50
  hey,
• 7:50
  if
• 7:50
  you
• 7:50
  just
• 7:50
  want
• 7:50
  to
• 7:50
  share
• 7:51
  something
• 7:51
  that's
• 7:51
  going
• 7:51
  on
• 7:51
  in
• 7:52
  your
• 7:52
  life,
• 7:53
  some
• 7:53
  win
• 7:53
  you've
• 7:54
  had
• 7:54
  or
• 7:54
  something
• 7:54
  you're
• 7:54
  struggling
• 7:55
  with,
• 7:55
  go
• 7:55
  to
• 7:56
  financiallyconfidentchristian.com/voicemail
• 8:00
  we'll
• 8:01
  put
• 8:01
  a
• 8:01
  link
• 8:01
  to
• 8:01
  that
• 8:01
  in
• 8:01
  the
• 8:01
  show
• 8:02
  notes,
• 8:02
  but
• 8:02
  I'm
• 8:02
  going
• 8:02
  to
• 8:02
  give
• 8:02
  it
• 8:03
  to
• 8:03
  you
• 8:03
  again.
• 8:03
  Listen,
• 8:03
  you
• 8:04
  can
• 8:04
  just
• 8:04
  call
• 8:04
  and
• 8:04
  say,
• 8:04
  ralph,
• 8:05
  here's
• 8:05
  what's
• 8:05
  going
• 8:05
  on.
• 8:06
  Doesn't
• 8:06
  have
• 8:06
  to
• 8:06
  be
• 8:06
  a
• 8:06
  question,
• 8:06
  just
• 8:07
  share
• 8:07
  something
• 8:07
  for
• 8:07
  the
• 8:08
  show.
• 8:08
  What's
• 8:09
  working
• 8:09
  for
• 8:09
  you?
• 8:09
  What's
• 8:10
  not
• 8:10
  working
• 8:10
  for
• 8:10
  you?
• 8:10
  I
• 8:11
  love
• 8:11
  to
• 8:11
  hear
• 8:11
  from
• 8:11
  the
• 8:11
  listeners.
• 8:13
  Go
• 8:13
  to
• 8:13
  financiallyconfidentchristian.com/voicemail
• 8:18
  so
• 8:18
  thank
• 8:19
  you
• 8:19
  so
• 8:19
  much
• 8:19
  for
• 8:19
  joining
• 8:20
  me
• 8:20
  today.
• 8:21
  I
• 8:21
  want
• 8:21
  to
• 8:21
  encourage
• 8:21
  you
• 8:22
  to
• 8:22
  stay
• 8:22
  financially
• 8:23
  savvy.
• 8:23
  May
• 8:23
  God
• 8:24
  bless
• 8:24
  you
• 8:24
  and
• 8:25
  you
• 8:25
  have
• 8:25
  a
• 8:25
  truly
• 8:26
  great
• 8:26
  day
• 8:26
  today.