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Should I Ever Borrow Again? The Truth About “Good Debt” · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  looked
• 0:38
  at
• 0:38
  a
• 0:38
  loan
• 0:38
  offer
• 0:39
  and
• 0:39
  felt
• 0:40
  torn
• 0:40
  inside?
• 0:41
  Part
• 0:41
  of
• 0:41
  you
• 0:41
  thinks,
• 0:42
  maybe
• 0:42
  this
• 0:43
  is
• 0:43
  smart.
• 0:44
  But
• 0:44
  then
• 0:44
  another
• 0:45
  part
• 0:45
  of
• 0:45
  you
• 0:45
  whispers,
• 0:46
  I
• 0:47
  don't
• 0:47
  ever
• 0:47
  want
• 0:47
  to
• 0:47
  feel
• 0:47
  trapped
• 0:48
  again
• 0:48
  like
• 0:48
  I
• 0:48
  felt
• 0:49
  before.
• 0:50
  And
• 0:50
  if
• 0:50
  that
• 0:51
  tension
• 0:51
  feels
• 0:51
  familiar,
• 0:52
  my
• 0:52
  friend,
• 0:53
  you're
• 0:53
  not
• 0:53
  wrong
• 0:53
  for
• 0:54
  feeling
• 0:54
  it.
• 0:55
  Today
• 0:55
  we're
• 0:55
  going
• 0:55
  to
• 0:55
  slow
• 0:56
  this
• 0:56
  down
• 0:56
  and
• 0:56
  bring
• 0:56
  some
• 0:56
  peace
• 0:57
  into
• 0:57
  the
• 0:57
  question.
• 0:58
  Should
• 0:58
  I
• 0:58
  ever
• 0:59
  borrow
• 0:59
  again?
• 1:00
  The
• 1:00
  truth
• 1:00
  about
• 1:01
  Good
• 1:01
  debt.
• 1:09
  We
• 1:10
  ride.
• 1:23
  Hey,
• 1:23
  friend.
• 1:23
  Ralph
• 1:24
  Estep
• 1:24
  Jr.
• 1:25
  Here.
• 1:25
  Welcome
• 1:25
  to
• 1:26
  Financially
• 1:26
  Confident
• 1:26
  Christian,
• 1:27
  where
• 1:27
  we
• 1:28
  learn
• 1:28
  how
• 1:28
  to
• 1:28
  walk
• 1:28
  through
• 1:28
  life
• 1:29
  and
• 1:29
  money
• 1:29
  with
• 1:30
  wisdom,
• 1:30
  with
• 1:31
  peace,
• 1:31
  and
• 1:32
  with
• 1:32
  the
• 1:32
  heart
• 1:32
  anchored
• 1:32
  in
• 1:33
  God's
• 1:33
  truth.
• 1:34
  My
• 1:34
  mission
• 1:34
  is
• 1:35
  simple
• 1:35
  to
• 1:35
  help
• 1:36
  you
• 1:36
  break
• 1:36
  that
• 1:36
  cycle
• 1:37
  of
• 1:37
  financial
• 1:37
  shame,
• 1:38
  build
• 1:38
  steady
• 1:39
  habits
• 1:39
  rooted
• 1:39
  in
• 1:40
  faith,
• 1:40
  and
• 1:41
  truly
• 1:41
  become
• 1:41
  the
• 1:41
  kind
• 1:42
  of
• 1:42
  believer
• 1:42
  who
• 1:42
  handles
• 1:43
  money
• 1:43
  with
• 1:43
  clarity,
• 1:44
  with
• 1:44
  confidence,
• 1:45
  and
• 1:45
  with
• 1:46
  spiritual
• 1:46
  purpose.
• 1:48
  Yesterday
• 1:48
  we
• 1:48
  talked
• 1:48
  about
• 1:49
  motivation,
• 1:50
  how
• 1:50
  to
• 1:50
  keep
• 1:50
  going
• 1:51
  when
• 1:51
  progress
• 1:52
  feels
• 1:52
  slow.
• 1:53
  And
• 1:53
  today
• 1:53
  we're
• 1:54
  going
• 1:54
  to
• 1:54
  step
• 1:54
  into
• 1:54
  a
• 1:54
  question
• 1:55
  that
• 1:55
  often
• 1:55
  shows
• 1:56
  up
• 1:56
  right
• 1:56
  after
• 1:56
  we
• 1:57
  get
• 1:57
  to
• 1:57
  that
• 1:57
  point.
• 1:58
  Should
• 1:58
  we
• 1:59
  ever
• 1:59
  borrow
• 1:59
  again?
• 2:01
  And
• 2:01
  is
• 2:01
  there
• 2:01
  really
• 2:01
  such
• 2:02
  a
• 2:02
  thing
• 2:02
  as
• 2:02
  good
• 2:03
  debt?
• 2:04
  But
• 2:04
  today
• 2:04
  I
• 2:04
  want
• 2:04
  to
• 2:04
  talk
• 2:05
  about
• 2:05
  it
• 2:05
  calmly.
• 2:06
  I
• 2:06
  want
• 2:06
  to
• 2:06
  talk
• 2:06
  about
• 2:07
  it
• 2:07
  honestly,
• 2:08
  and
• 2:08
  I
• 2:08
  want
• 2:08
  to
• 2:08
  talk
• 2:08
  about
• 2:09
  it
• 2:09
  without
• 2:09
  pressure.
• 2:10
  A
• 2:11
  listener
• 2:11
  recently
• 2:11
  asked
• 2:12
  me,
• 2:12
  ralph,
• 2:13
  I'm
• 2:13
  working
• 2:13
  hard
• 2:13
  to
• 2:14
  get
• 2:14
  out
• 2:14
  of
• 2:14
  debt,
• 2:15
  but
• 2:15
  what
• 2:15
  if
• 2:15
  I
• 2:15
  need
• 2:16
  a
• 2:16
  loan
• 2:16
  again
• 2:16
  someday?
• 2:17
  Does
• 2:18
  borrowing
• 2:18
  mean
• 2:18
  I've
• 2:19
  failed
• 2:19
  again?
• 2:20
  Or
• 2:20
  am
• 2:20
  I
• 2:20
  overthinking
• 2:21
  this?
• 2:22
  And
• 2:22
  as
• 2:23
  I
• 2:23
  pondered
• 2:23
  that
• 2:23
  question,
• 2:24
  that
• 2:25
  question
• 2:25
  carries
• 2:25
  a
• 2:25
  lot
• 2:26
  of
• 2:26
  wheat.
• 2:27
  And
• 2:27
  I'm
• 2:27
  really
• 2:27
  glad
• 2:27
  it
• 2:28
  was
• 2:28
  asked
• 2:28
  today,
• 2:29
  because
• 2:29
  here's
• 2:30
  what
• 2:30
  you
• 2:30
  might
• 2:30
  be
• 2:30
  feeling
• 2:31
  but
• 2:31
  haven't
• 2:31
  said
• 2:32
  out
• 2:32
  loud.
• 2:33
  You're
• 2:33
  afraid
• 2:34
  of
• 2:34
  going
• 2:34
  backwards.
• 2:35
  You're
• 2:36
  afraid
• 2:36
  of
• 2:36
  undoing
• 2:37
  that
• 2:37
  progress
• 2:37
  you
• 2:37
  made.
• 2:38
  You're
• 2:39
  afraid
• 2:39
  of
• 2:39
  feeling
• 2:39
  that
• 2:39
  knot
• 2:40
  in
• 2:40
  your
• 2:40
  chest
• 2:40
  again.
• 2:42
  And
• 2:42
  you're
• 2:42
  wondering
• 2:43
  if
• 2:43
  wisdom
• 2:44
  and
• 2:44
  borrowing
• 2:45
  can
• 2:45
  exist
• 2:45
  in
• 2:45
  the
• 2:46
  same
• 2:46
  sentence.
• 2:47
  And,
• 2:48
  friend,
• 2:48
  I
• 2:48
  want
• 2:48
  to
• 2:48
  reassure
• 2:49
  you
• 2:49
  right
• 2:49
  now,
• 2:49
  there's
• 2:50
  no
• 2:50
  shame
• 2:50
  in
• 2:50
  that
• 2:50
  fear.
• 2:52
  It
• 2:52
  tells
• 2:52
  me
• 2:52
  that
• 2:52
  you
• 2:53
  care
• 2:54
  and
• 2:54
  you're
• 2:54
  not
• 2:54
  alone
• 2:54
  in
• 2:55
  it.
• 2:56
  Research
• 2:56
  consistently
• 2:57
  shows
• 2:57
  this
• 2:58
  debt
• 2:59
  itself
• 2:59
  isn't
• 2:59
  the
• 3:00
  only
• 3:00
  problem.
• 3:02
  It's
• 3:02
  unclear
• 3:03
  expectations.
• 3:04
  It's
• 3:04
  that
• 3:05
  emotional
• 3:05
  pressure.
• 3:06
  For
• 3:06
  so
• 3:07
  many
• 3:07
  of
• 3:07
  us,
• 3:07
  that
• 3:07
  lack
• 3:08
  of
• 3:08
  margin.
• 3:09
  That's
• 3:09
  what
• 3:10
  usually
• 3:10
  create
• 3:10
  distress.
• 3:12
  In
• 3:12
  other
• 3:12
  words,
• 3:13
  it's
• 3:13
  not
• 3:14
  what
• 3:14
  you
• 3:14
  borrow,
• 3:15
  it's
• 3:15
  how
• 3:15
  and
• 3:16
  why
• 3:16
  you
• 3:16
  borrow.
• 3:18
  And
• 3:18
  over
• 3:18
  the
• 3:18
  years,
• 3:18
  I've
• 3:19
  walked
• 3:19
  with
• 3:19
  people
• 3:19
  who
• 3:19
  use
• 3:20
  debt
• 3:20
  carefully
• 3:21
  and
• 3:21
  slept
• 3:21
  just
• 3:22
  fine
• 3:22
  at
• 3:22
  night.
• 3:23
  But
• 3:23
  I've
• 3:23
  also
• 3:23
  worked
• 3:24
  with
• 3:24
  people
• 3:24
  who
• 3:24
  borrowed
• 3:25
  because
• 3:25
  they
• 3:25
  felt
• 3:26
  rushed,
• 3:26
  because
• 3:27
  they
• 3:27
  felt
• 3:27
  pressured
• 3:28
  over
• 3:28
  so
• 3:29
  many
• 3:29
  of
• 3:29
  us.
• 3:30
  They
• 3:30
  felt
• 3:30
  afraid
• 3:31
  of
• 3:31
  missing
• 3:31
  out.
• 3:32
  The
• 3:32
  difference
• 3:33
  wasn't
• 3:33
  intelligence.
• 3:34
  It
• 3:34
  was
• 3:35
  peace.
• 3:36
  And
• 3:36
  I'll
• 3:36
  never
• 3:36
  forget
• 3:36
  A
• 3:37
  couple
• 3:37
  I
• 3:37
  work
• 3:37
  with,
• 3:38
  they
• 3:38
  wanted
• 3:38
  to
• 3:38
  buy
• 3:38
  a
• 3:38
  home.
• 3:39
  And
• 3:39
  that
• 3:39
  was
• 3:39
  their
• 3:39
  dream.
• 3:39
  They
• 3:40
  wanted
• 3:40
  to
• 3:40
  buy
• 3:40
  their
• 3:40
  home.
• 3:41
  And
• 3:42
  on
• 3:42
  paper,
• 3:42
  the
• 3:42
  numbers
• 3:43
  worked
• 3:43
  perfectly.
• 3:44
  But
• 3:44
  in
• 3:45
  their
• 3:45
  hearts,
• 3:45
  as
• 3:45
  they
• 3:46
  talked
• 3:46
  about
• 3:46
  it,
• 3:47
  they
• 3:47
  felt
• 3:47
  constantly
• 3:48
  tight.
• 3:48
  Money
• 3:49
  just
• 3:49
  felt
• 3:49
  really
• 3:49
  tight
• 3:49
  up
• 3:50
  to
• 3:50
  them.
• 3:51
  So
• 3:51
  instead
• 3:51
  of
• 3:52
  rushing
• 3:52
  in
• 3:52
  like
• 3:52
  so
• 3:53
  many
• 3:53
  people
• 3:53
  do,
• 3:54
  they
• 3:54
  waited
• 3:54
  one
• 3:55
  more
• 3:55
  year,
• 3:55
  they
• 3:56
  built
• 3:56
  a
• 3:56
  little
• 3:56
  more
• 3:57
  margin,
• 3:57
  and
• 3:58
  they
• 3:58
  prayed
• 3:58
  through
• 3:59
  that
• 3:59
  decision.
• 4:00
  And
• 4:00
  when
• 4:00
  they
• 4:01
  finally
• 4:01
  moved
• 4:01
  forward,
• 4:02
  nothing
• 4:02
  about
• 4:03
  the
• 4:03
  house
• 4:03
  changed,
• 4:04
  but
• 4:04
  everything
• 4:04
  about
• 4:05
  their
• 4:05
  peace
• 4:05
  changed.
• 4:07
  So
• 4:07
  here's
• 4:07
  the
• 4:07
  real
• 4:08
  question
• 4:08
  for
• 4:08
  today.
• 4:09
  Does
• 4:09
  this
• 4:10
  decision
• 4:10
  lead
• 4:10
  me
• 4:10
  towards
• 4:11
  peace
• 4:11
  or
• 4:12
  towards
• 4:12
  pressure?
• 4:14
  Let
• 4:14
  that
• 4:14
  guide
• 4:14
  us
• 4:15
  as
• 4:15
  we
• 4:15
  walk
• 4:15
  through
• 4:15
  this.
• 4:16
  First
• 4:16
  of
• 4:16
  all,
• 4:17
  some
• 4:17
  debt
• 4:18
  can
• 4:18
  help
• 4:18
  building
• 4:18
  something
• 4:19
  meaningful,
• 4:20
  for
• 4:20
  example,
• 4:21
  like
• 4:21
  a
• 4:21
  home.
• 4:21
  Most
• 4:22
  people
• 4:22
  can't
• 4:22
  afford
• 4:22
  to
• 4:23
  go
• 4:23
  out
• 4:23
  and
• 4:23
  pay
• 4:23
  cash
• 4:23
  for
• 4:24
  a
• 4:24
  home.
• 4:25
  That
• 4:25
  home
• 4:25
  gives
• 4:25
  your
• 4:26
  family
• 4:26
  stability.
• 4:26
  That's
• 4:27
  good
• 4:27
  use
• 4:27
  of
• 4:27
  debt.
• 4:28
  How
• 4:29
  about
• 4:29
  for
• 4:29
  an
• 4:29
  education?
• 4:30
  An
• 4:31
  education
• 4:31
  will
• 4:31
  actually
• 4:32
  raise
• 4:32
  your
• 4:32
  earning
• 4:33
  power.
• 4:34
  Many
• 4:34
  of
• 4:34
  us
• 4:34
  business
• 4:35
  people
• 4:35
  use
• 4:36
  it
• 4:36
  as
• 4:36
  a
• 4:36
  business
• 4:36
  tool.
• 4:37
  It
• 4:37
  allows
• 4:38
  us
• 4:38
  to
• 4:38
  serve
• 4:38
  more
• 4:38
  people.
• 4:40
  But
• 4:40
  I
• 4:40
  want
• 4:40
  you
• 4:40
  to
• 4:40
  take
• 4:41
  a
• 4:41
  minute
• 4:41
  and
• 4:41
  notice
• 4:41
  what
• 4:42
  all
• 4:42
  of
• 4:42
  these
• 4:42
  have
• 4:42
  in
• 4:42
  common.
• 4:44
  All
• 4:44
  of
• 4:44
  these
• 4:44
  are
• 4:44
  not
• 4:45
  treat
• 4:45
  yourself
• 4:45
  debt.
• 4:46
  They're
• 4:47
  build
• 4:47
  debt.
• 4:48
  And
• 4:48
  I
• 4:48
  want
• 4:49
  to
• 4:49
  really
• 4:49
  focus
• 4:49
  on
• 4:49
  that.
• 4:50
  They're
• 4:50
  connected
• 4:50
  to
• 4:50
  something
• 4:51
  that
• 4:51
  lasts,
• 4:52
  something
• 4:53
  that
• 4:53
  grows,
• 4:53
  something
• 4:54
  that
• 4:54
  serves.
• 4:56
  So
• 4:56
  really
• 4:56
  the
• 4:56
  question
• 4:57
  isn't,
• 4:57
  is
• 4:58
  debt
• 4:58
  good
• 4:58
  or
• 4:58
  bad?
• 4:59
  The
• 4:59
  question
• 5:00
  is,
• 5:00
  what
• 5:01
  is
• 5:01
  this
• 5:01
  debt
• 5:02
  building?
• 5:03
  Because
• 5:03
  if
• 5:03
  it's
• 5:04
  not
• 5:04
  building
• 5:04
  something,
• 5:05
  it's
• 5:05
  usually
• 5:06
  borrowing
• 5:06
  from
• 5:06
  tomorrow
• 5:07
  to
• 5:07
  pay
• 5:07
  for
• 5:08
  today.
• 5:09
  Here's
• 5:09
  the
• 5:09
  second
• 5:09
  thing
• 5:09
  I
• 5:09
  want
• 5:10
  you
• 5:10
  to
• 5:10
  consider.
• 5:11
  Every
• 5:11
  form
• 5:12
  of
• 5:12
  debt
• 5:12
  carries
• 5:13
  responsibility,
• 5:14
  even
• 5:14
  the
• 5:15
  kind
• 5:15
  people
• 5:15
  call
• 5:15
  good
• 5:16
  debt.
• 5:16
  Because
• 5:17
  good
• 5:17
  debt
• 5:18
  still
• 5:18
  has
• 5:18
  a
• 5:18
  due
• 5:18
  date
• 5:19
  every
• 5:19
  month.
• 5:19
  It
• 5:20
  still
• 5:20
  charges
• 5:20
  interest.
• 5:21
  It
• 5:22
  still
• 5:22
  expects
• 5:22
  a
• 5:22
  payment
• 5:23
  whether
• 5:23
  your
• 5:24
  month
• 5:24
  goes
• 5:24
  smooth
• 5:24
  or
• 5:25
  your
• 5:25
  life
• 5:25
  goes
• 5:25
  sideways.
• 5:26
  And
• 5:26
  hey,
• 5:26
  listen,
• 5:27
  you're
• 5:27
  like
• 5:27
  me.
• 5:27
  Life
• 5:28
  goes
• 5:28
  sideways
• 5:28
  sometimes.
• 5:30
  And
• 5:30
  debt
• 5:30
  doesn't
• 5:31
  just
• 5:31
  take
• 5:31
  our
• 5:31
  money.
• 5:33
  It
• 5:33
  takes
• 5:33
  our
• 5:33
  options.
• 5:34
  It
• 5:34
  limits
• 5:35
  our
• 5:35
  freedom
• 5:35
  to
• 5:35
  pivot,
• 5:36
  it
• 5:36
  limits
• 5:36
  our
• 5:36
  freedom
• 5:37
  to
• 5:37
  rest,
• 5:38
  it
• 5:38
  limits
• 5:38
  our
• 5:38
  freedom
• 5:39
  to
• 5:39
  give.
• 5:39
  And
• 5:40
  it
• 5:40
  limits
• 5:40
  our
• 5:40
  freedom
• 5:41
  to
• 5:41
  say
• 5:41
  yes
• 5:41
  to
• 5:41
  what
• 5:41
  God
• 5:42
  is
• 5:42
  calling
• 5:42
  you
• 5:42
  to
• 5:43
  do
• 5:43
  without
• 5:43
  checking
• 5:44
  your
• 5:44
  account
• 5:44
  first.
• 5:46
  So
• 5:46
  don't
• 5:46
  let
• 5:46
  that
• 5:46
  label
• 5:47
  good
• 5:47
  make
• 5:47
  you
• 5:47
  careless.
• 5:49
  Good
• 5:49
  debt
• 5:49
  can
• 5:49
  become
• 5:50
  heavy
• 5:50
  debt
• 5:50
  real
• 5:50
  fast
• 5:51
  if
• 5:51
  your
• 5:51
  plan
• 5:52
  is
• 5:52
  fuzzy.
• 5:53
  Here's
• 5:53
  the
• 5:53
  third
• 5:53
  thing
• 5:54
  I
• 5:54
  want
• 5:54
  you
• 5:54
  to
• 5:54
  consider.
• 5:55
  Wisdom
• 5:56
  asks
• 5:56
  for
• 5:56
  discernment,
• 5:57
  not
• 5:57
  assumptions.
• 6:00
  And
• 6:00
  this
• 6:00
  one
• 6:00
  will
• 6:00
  really
• 6:00
  rock
• 6:01
  you
• 6:01
  a
• 6:01
  little
• 6:01
  bit
• 6:01
  today.
• 6:02
  Just
• 6:02
  because
• 6:03
  something
• 6:03
  is
• 6:03
  common
• 6:04
  doesn't
• 6:05
  mean
• 6:05
  it's
• 6:05
  right
• 6:05
  for
• 6:05
  you.
• 6:06
  You
• 6:07
  might
• 6:07
  hear
• 6:07
  things
• 6:07
  like,
• 6:08
  everybody
• 6:08
  finances
• 6:09
  cars,
• 6:09
  so
• 6:09
  it's
• 6:09
  okay
• 6:10
  to
• 6:10
  have
• 6:10
  a
• 6:10
  car
• 6:10
  loan.
• 6:11
  Or
• 6:11
  maybe
• 6:12
  everybody
• 6:12
  uses
• 6:13
  credit
• 6:13
  cards,
• 6:13
  so
• 6:14
  sweep
• 6:14
  that
• 6:14
  credit
• 6:15
  card
• 6:15
  again.
• 6:16
  Or
• 6:16
  you
• 6:16
  might
• 6:16
  hear
• 6:17
  this
• 6:17
  one
• 6:17
  Everybody
• 6:18
  just
• 6:18
  puts
• 6:18
  it
• 6:18
  on
• 6:19
  a
• 6:19
  paint.
• 6:19
  But
• 6:20
  your
• 6:20
  calling
• 6:20
  isn't
• 6:21
  everybody.
• 6:22
  Your
• 6:22
  budget
• 6:23
  isn't
• 6:23
  everybody.
• 6:25
  Your
• 6:25
  stress
• 6:25
  level
• 6:25
  isn't
• 6:26
  everybody.
• 6:27
  And
• 6:27
  guess
• 6:27
  what?
• 6:28
  Your
• 6:28
  margin
• 6:28
  isn't
• 6:29
  everybody
• 6:29
  as
• 6:30
  well.
• 6:31
  So,
• 6:31
  again,
• 6:31
  here's
• 6:32
  a
• 6:32
  better
• 6:32
  question
• 6:33
  to
• 6:33
  ask.
• 6:34
  Is
• 6:34
  this
• 6:34
  wise
• 6:35
  for
• 6:35
  my
• 6:35
  life
• 6:35
  in
• 6:36
  this
• 6:36
  season
• 6:36
  with
• 6:37
  these
• 6:37
  responsibilities?
• 6:38
  And
• 6:38
  see,
• 6:39
  that's
• 6:39
  an
• 6:39
  individual
• 6:40
  discussion.
• 6:41
  Because
• 6:41
  sometimes
• 6:42
  the
• 6:42
  most
• 6:42
  spiritual
• 6:43
  thing
• 6:43
  you
• 6:43
  can
• 6:43
  do
• 6:43
  is
• 6:43
  admit
• 6:44
  this.
• 6:45
  I
• 6:45
  don't
• 6:45
  have
• 6:45
  the
• 6:46
  margin
• 6:46
  for
• 6:46
  that
• 6:46
  right
• 6:47
  now.
• 6:48
  I'm
• 6:48
  not
• 6:48
  going
• 6:48
  to
• 6:49
  normalize
• 6:50
  pressure.
• 6:51
  I'm
• 6:51
  not
• 6:51
  borrowing
• 6:52
  to
• 6:52
  prove
• 6:52
  something.
• 6:54
  Fourth,
• 6:55
  never
• 6:55
  borrow
• 6:56
  what
• 6:56
  you
• 6:56
  can't
• 6:56
  repay.
• 6:57
  With
• 6:57
  both
• 6:57
  integrity
• 6:58
  and
• 6:58
  peace.
• 6:59
  You
• 6:59
  might
• 6:59
  be
• 7:00
  saying,
• 7:00
  okay,
• 7:00
  Ralph,
• 7:00
  what
• 7:00
  does
• 7:01
  integrity
• 7:01
  mean?
• 7:01
  Integrity
• 7:02
  means
• 7:02
  you
• 7:02
  can
• 7:02
  pay
• 7:02
  it
• 7:03
  back
• 7:03
  without
• 7:03
  games,
• 7:04
  without
• 7:04
  tricks,
• 7:05
  or
• 7:05
  without
• 7:05
  scrambling.
• 7:07
  And
• 7:07
  peace
• 7:08
  means
• 7:08
  this.
• 7:09
  You
• 7:10
  can
• 7:10
  pay
• 7:10
  it
• 7:10
  back
• 7:10
  without
• 7:11
  losing
• 7:11
  sleep,
• 7:12
  without
• 7:12
  snapping
• 7:13
  at
• 7:13
  your
• 7:13
  family
• 7:14
  or
• 7:14
  living
• 7:14
  under
• 7:14
  constant
• 7:15
  pressure.
• 7:15
  That
• 7:15
  couple
• 7:16
  that
• 7:16
  I
• 7:16
  work
• 7:16
  with,
• 7:17
  they
• 7:17
  could
• 7:17
  have
• 7:18
  bought
• 7:18
  the
• 7:18
  house
• 7:18
  a
• 7:18
  year
• 7:19
  before
• 7:19
  that.
• 7:20
  But
• 7:20
  they
• 7:20
  didn't
• 7:20
  want
• 7:21
  to
• 7:21
  have
• 7:21
  no
• 7:22
  peace
• 7:22
  in
• 7:22
  their
• 7:22
  life.
• 7:22
  They
• 7:23
  didn't
• 7:23
  want
• 7:23
  to
• 7:23
  snap
• 7:23
  at
• 7:23
  each
• 7:24
  other.
• 7:24
  They
• 7:24
  wanted
• 7:24
  to
• 7:24
  be
• 7:24
  able
• 7:24
  to
• 7:25
  keep
• 7:25
  that
• 7:25
  peace
• 7:25
  in
• 7:26
  their
• 7:26
  home.
• 7:27
  Because
• 7:27
  God
• 7:28
  can
• 7:28
  guide
• 7:28
  you
• 7:28
  into
• 7:29
  a
• 7:29
  stretch,
• 7:30
  but
• 7:30
  he's
• 7:30
  not
• 7:30
  the
• 7:31
  author
• 7:31
  of
• 7:31
  panic.
• 7:32
  And
• 7:32
  the
• 7:33
  only
• 7:33
  way
• 7:33
  this
• 7:33
  works
• 7:34
  is
• 7:34
  if
• 7:34
  everything
• 7:35
  goes
• 7:35
  perfectly,
• 7:37
  if
• 7:37
  your
• 7:37
  income
• 7:38
  never
• 7:38
  dips,
• 7:39
  if
• 7:39
  the
• 7:39
  car
• 7:40
  never
• 7:40
  breaks,
• 7:41
  if
• 7:41
  nothing
• 7:42
  unexpected
• 7:42
  happens.
• 7:44
  And
• 7:44
  see,
• 7:44
  that's
• 7:44
  not
• 7:44
  a
• 7:44
  good
• 7:44
  way
• 7:45
  to
• 7:45
  go.
• 7:45
  That's
• 7:45
  not
• 7:45
  a
• 7:45
  plan.
• 7:46
  That's
• 7:46
  a
• 7:46
  wish.
• 7:48
  But
• 7:48
  peace
• 7:48
  is
• 7:49
  a
• 7:49
  test.
• 7:50
  And
• 7:50
  it
• 7:50
  looks
• 7:50
  like
• 7:50
  this.
• 7:51
  If
• 7:51
  you
• 7:51
  can't
• 7:51
  repay
• 7:51
  it
• 7:52
  with
• 7:52
  peace,
• 7:53
  it's
• 7:53
  probably
• 7:53
  too
• 7:54
  much.
• 7:55
  And
• 7:55
  finally,
• 7:56
  if
• 7:57
  a
• 7:57
  decision
• 7:57
  steals
• 7:58
  your
• 7:58
  rest,
• 7:59
  it
• 7:59
  deserves
• 8:00
  your
• 8:00
  prayer.
• 8:01
  Not
• 8:01
  because
• 8:02
  prayer
• 8:02
  is
• 8:02
  some
• 8:02
  magic
• 8:03
  stamp
• 8:03
  that
• 8:03
  makes
• 8:04
  risk
• 8:04
  choices
• 8:05
  safe,
• 8:06
  but
• 8:06
  because
• 8:06
  prayer
• 8:07
  slows
• 8:07
  you
• 8:07
  down
• 8:07
  long
• 8:08
  enough
• 8:08
  to
• 8:08
  hear
• 8:08
  the
• 8:08
  truth,
• 8:10
  to
• 8:10
  ask
• 8:10
  those
• 8:10
  questions
• 8:11
  that
• 8:11
  we
• 8:11
  all
• 8:11
  avoid.
• 8:13
  Why
• 8:13
  do
• 8:13
  I
• 8:13
  want
• 8:14
  to
• 8:14
  do
• 8:14
  this?
• 8:15
  Am
• 8:15
  I
• 8:16
  trying
• 8:16
  to
• 8:16
  impress
• 8:17
  someone?
• 8:18
  Am
• 8:18
  I
• 8:18
  trying
• 8:19
  to
• 8:19
  fix
• 8:19
  a
• 8:19
  feeling
• 8:20
  that
• 8:20
  I
• 8:20
  have
• 8:20
  right
• 8:20
  at
• 8:20
  this
• 8:21
  moment?
• 8:22
  Or
• 8:22
  maybe
• 8:22
  for
• 8:22
  you,
• 8:23
  it's,
• 8:23
  am
• 8:23
  I
• 8:23
  trying
• 8:23
  to
• 8:24
  buy
• 8:24
  relief?
• 8:25
  And
• 8:26
  then
• 8:26
  ask
• 8:26
  the
• 8:26
  most
• 8:27
  important
• 8:27
  question
• 8:27
  of
• 8:28
  them
• 8:28
  all.
• 8:29
  Lord,
• 8:30
  is
• 8:30
  this
• 8:30
  your
• 8:31
  wisdom
• 8:31
  or
• 8:32
  my
• 8:32
  anxiety?
• 8:34
  Because
• 8:34
  sometimes
• 8:34
  the
• 8:35
  answer
• 8:35
  isn't
• 8:35
  never
• 8:35
  borrow.
• 8:36
  Sometimes
• 8:37
  the
• 8:37
  answer
• 8:37
  is
• 8:37
  wait
• 8:38
  or
• 8:39
  save.
• 8:40
  Or
• 8:40
  start
• 8:41
  smaller,
• 8:42
  pay
• 8:42
  cash,
• 8:44
  ask
• 8:44
  for
• 8:44
  help.
• 8:45
  Or
• 8:45
  maybe
• 8:46
  choose
• 8:46
  peace
• 8:46
  over
• 8:47
  pressure.
• 8:48
  And
• 8:48
  I
• 8:49
  want
• 8:49
  you
• 8:49
  to
• 8:49
  know
• 8:49
  this
• 8:49
  right
• 8:49
  now,
• 8:50
  friend.
• 8:50
  Peace
• 8:50
  is
• 8:51
  not
• 8:51
  a
• 8:51
  weak
• 8:51
  choice.
• 8:52
  Peace
• 8:53
  is
• 8:53
  often
• 8:53
  the
• 8:54
  wisest
• 8:54
  choice.
• 8:56
  Let's
• 8:56
  look
• 8:56
  at
• 8:56
  Romans,
• 8:57
  chapter
• 8:57
  13,
• 8:57
  verse
• 8:58
  8.
• 8:58
  It
• 8:58
  says,
• 8:59
  Let
• 8:59
  no
• 8:59
  debt
• 8:59
  remain
• 9:00
  outstanding
• 9:00
  except
• 9:01
  for
• 9:01
  the
• 9:01
  continuing
• 9:02
  debt
• 9:02
  to
• 9:02
  love
• 9:02
  one
• 9:03
  another.
• 9:04
  This
• 9:04
  verse
• 9:05
  isn't
• 9:05
  about
• 9:05
  fear.
• 9:06
  It's
• 9:06
  actually
• 9:07
  about
• 9:07
  freedom.
• 9:08
  God's
• 9:08
  heart
• 9:09
  is
• 9:09
  never
• 9:09
  to
• 9:09
  trap
• 9:10
  you,
• 9:10
  but
• 9:10
  to
• 9:10
  guide
• 9:11
  you
• 9:11
  gently
• 9:11
  towards
• 9:12
  peace
• 9:12
  and
• 9:13
  wisdom.
• 9:14
  And
• 9:15
  Lord,
• 9:15
  we
• 9:15
  just
• 9:15
  thank
• 9:15
  you
• 9:16
  for
• 9:16
  being
• 9:16
  patient
• 9:16
  with
• 9:16
  us
• 9:17
  as
• 9:17
  we
• 9:17
  make
• 9:18
  financial
• 9:18
  decisions.
• 9:19
  Give
• 9:20
  us
• 9:20
  clarity
• 9:20
  when
• 9:20
  we
• 9:21
  feel
• 9:21
  unsure.
• 9:21
  Lord,
• 9:21
  calm
• 9:22
  our
• 9:22
  hearts
• 9:22
  when
• 9:23
  pressure
• 9:23
  speaks
• 9:24
  loudly.
• 9:25
  Help
• 9:25
  us
• 9:25
  choose
• 9:25
  wisdom
• 9:26
  over
• 9:26
  impulse
• 9:27
  and
• 9:27
  peace
• 9:28
  over
• 9:28
  fear.
• 9:28
  We
• 9:29
  ask
• 9:29
  this
• 9:29
  in
• 9:29
  Jesus
• 9:30
  name,
• 9:31
  Amen.
• 9:32
  Here's
• 9:32
  your
• 9:33
  small
• 9:33
  step
• 9:33
  today.
• 9:34
  I
• 9:34
  want
• 9:34
  you
• 9:35
  to
• 9:35
  write
• 9:35
  down
• 9:35
  one
• 9:35
  type
• 9:36
  of
• 9:36
  debt
• 9:36
  you've
• 9:36
  been
• 9:36
  considering.
• 9:37
  Just
• 9:38
  write
• 9:38
  it
• 9:38
  down
• 9:39
  and
• 9:39
  then
• 9:39
  I
• 9:39
  want
• 9:39
  you
• 9:39
  to
• 9:39
  pray
• 9:40
  over
• 9:40
  it.
• 9:40
  Now,
• 9:41
  we're
• 9:41
  not
• 9:41
  praying
• 9:41
  for
• 9:41
  permission,
• 9:42
  but
• 9:42
  we're
• 9:42
  praying
• 9:43
  for
• 9:43
  peace
• 9:44
  and
• 9:44
  for
• 9:44
  wisdom.
• 9:45
  And
• 9:45
  I
• 9:46
  love
• 9:46
  what
• 9:46
  one
• 9:46
  listener
• 9:46
  recently
• 9:47
  shared
• 9:47
  with
• 9:47
  me.
• 9:48
  She
• 9:48
  said,
• 9:48
  ralph,
• 9:49
  I
• 9:49
  stopped
• 9:49
  feeling
• 9:50
  rushed
• 9:50
  when
• 9:50
  I
• 9:50
  realized
• 9:51
  God
• 9:51
  wasn't
• 9:52
  disappointed
• 9:52
  in
• 9:52
  my
• 9:52
  questions.
• 9:54
  What
• 9:55
  I'm
• 9:55
  talking
• 9:55
  about
• 9:55
  here
• 9:55
  is
• 9:56
  the
• 9:56
  financially
• 9:56
  confident
• 9:57
  Christian
• 9:57
  community.
• 9:58
  And
• 9:58
  you
• 9:59
  can
• 9:59
  join
• 9:59
  our
• 9:59
  community
• 9:59
  by
• 10:00
  going
• 10:00
  to
• 10:00
  financiallyconfidentchristian.com/join
• 10:04
  again.
• 10:04
  That's
• 10:05
  financiallyconfidentchristian.com/Join.
• 10:08
  That's
• 10:08
  the
• 10:09
  heart
• 10:09
  of
• 10:09
  this
• 10:09
  community.
• 10:10
  A
• 10:10
  place
• 10:10
  where
• 10:10
  you
• 10:11
  can
• 10:11
  think
• 10:11
  clearly,
• 10:11
  where
• 10:12
  you
• 10:12
  can
• 10:12
  move
• 10:12
  slowly
• 10:13
  and
• 10:13
  grow
• 10:14
  without
• 10:14
  judgment.
• 10:15
  And
• 10:15
  you're
• 10:15
  always
• 10:15
  welcome
• 10:16
  here.
• 10:16
  So
• 10:16
  I'm
• 10:16
  encourage
• 10:16
  you
• 10:16
  to
• 10:17
  go
• 10:17
  check
• 10:17
  that
• 10:17
  out,
• 10:18
  friend.
• 10:19
  God
• 10:19
  is
• 10:19
  not
• 10:20
  in
• 10:20
  a
• 10:20
  hurry
• 10:21
  with
• 10:21
  you
• 10:21
  and
• 10:22
  wisdom
• 10:22
  is
• 10:23
  allowed
• 10:23
  to
• 10:23
  take
• 10:23
  time.
• 10:24
  You
• 10:24
  don't
• 10:24
  need
• 10:25
  to
• 10:25
  have
• 10:25
  every
• 10:25
  answer
• 10:26
  today.
• 10:26
  You
• 10:27
  just
• 10:27
  need
• 10:27
  to
• 10:27
  keep
• 10:27
  choosing
• 10:28
  peace
• 10:28
  one
• 10:28
  step
• 10:29
  at
• 10:29
  a
• 10:29
  time.
• 10:29
  So
• 10:29
  today,
• 10:30
  go
• 10:30
  out
• 10:30
  there
• 10:30
  and
• 10:30
  be
• 10:31
  a
• 10:31
  financially
• 10:32
  confident
• 10:32
  Christian.
• 10:33
  I
• 10:33
  have
• 10:34
  confidence
• 10:34
  in
• 10:34
  you.
• 10:34
  You
• 10:34
  can
• 10:35
  do
• 10:35
  this.
• 10:35
  Stay
• 10:36
  financially
• 10:36
  savvy,
• 10:37
  God
• 10:37
  bless
• 10:37
  you
• 10:38
  and
• 10:38
  I'll
• 10:38
  see
• 10:38
  you
• 10:38
  again
• 10:39
  on
• 10:39
  tomorrow's
• 10:39
  show.