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Have You Done Your Mid-Year Money Check? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  been
• 0:38
  avoiding
• 0:38
  your
• 0:38
  numbers
• 0:39
  because
• 0:40
  you're
• 0:40
  afraid
• 0:40
  of
• 0:40
  what
• 0:41
  you're
• 0:41
  going
• 0:41
  to
• 0:41
  see?
• 0:42
  You
• 0:43
  know
• 0:43
  that
• 0:43
  quiet
• 0:43
  way
• 0:44
  to
• 0:44
  that
• 0:44
  stress
• 0:45
  that
• 0:45
  follows
• 0:45
  you
• 0:45
  all
• 0:46
  around
• 0:47
  even
• 0:47
  when
• 0:47
  you
• 0:47
  don't
• 0:47
  look
• 0:48
  at
• 0:48
  it?
• 0:49
  Well,
• 0:50
  friend,
• 0:50
  if
• 0:50
  you're
• 0:50
  tired
• 0:50
  of
• 0:51
  carrying
• 0:51
  that
• 0:51
  pressure
• 0:52
  but
• 0:52
  don't
• 0:52
  know
• 0:53
  how
• 0:53
  to
• 0:53
  face
• 0:53
  it
• 0:53
  without
• 0:54
  spiraling
• 0:54
  out
• 0:54
  of
• 0:54
  control,
• 0:55
  today
• 0:56
  I'm
• 0:56
  going
• 0:56
  to
• 0:56
  walk
• 0:56
  you
• 0:56
  through
• 0:57
  this
• 0:57
  together,
• 0:58
  step
• 0:58
  by
• 0:58
  step
• 0:59
  and
• 0:59
  I'm
• 0:59
  going
• 0:59
  to
• 0:59
  give
• 1:00
  you
• 1:00
  a
• 1:00
  plan
• 1:00
  to
• 1:00
  make
• 1:01
  this
• 1:01
  work
• 1:01
  for
• 1:02
  your
• 1:02
  finances.
• 1:03
  Going
• 1:03
  to
• 1:03
  be
• 1:03
  a
• 1:03
  great
• 1:03
  show
• 1:04
  today.
• 1:24
  Hey
• 1:24
  friend.
• 1:25
  Ralph
• 1:25
  Estep
• 1:26
  Jr.
• 1:26
  Here.
• 1:27
  Welcome
• 1:27
  to
• 1:27
  Financially
• 1:28
  Confident
• 1:28
  Christian
• 1:29
  where
• 1:29
  every
• 1:29
  day
• 1:30
  we
• 1:30
  work
• 1:30
  to
• 1:30
  break
• 1:31
  that
• 1:31
  cycle
• 1:31
  of
• 1:31
  financial
• 1:32
  shame
• 1:33
  and
• 1:33
  and
• 1:33
  help
• 1:33
  you
• 1:33
  live
• 1:34
  in
• 1:34
  confidence.
• 1:35
  And
• 1:35
  now
• 1:36
  that
• 1:36
  we're
• 1:36
  in
• 1:36
  the
• 1:36
  month
• 1:36
  of
• 1:36
  May,
• 1:37
  we
• 1:37
  got
• 1:37
  to
• 1:37
  start
• 1:38
  thinking
• 1:38
  about
• 1:38
  a
• 1:38
  mid
• 1:39
  year
• 1:39
  debt
• 1:39
  check
• 1:40
  in.
• 1:40
  But
• 1:41
  for
• 1:41
  so
• 1:41
  many
• 1:41
  of
• 1:41
  us,
• 1:42
  we
• 1:42
  feel
• 1:42
  overwhelmed
• 1:43
  or
• 1:43
  even
• 1:44
  ashamed.
• 1:45
  Which
• 1:45
  leads
• 1:45
  me
• 1:46
  to
• 1:46
  today's
• 1:46
  listener
• 1:47
  question.
• 1:48
  Got
• 1:48
  this
• 1:48
  one
• 1:49
  the
• 1:49
  other
• 1:49
  day
• 1:49
  in
• 1:49
  the
• 1:49
  voicemail,
• 1:50
  in
• 1:50
  the
• 1:50
  email.
• 1:50
  Excuse
• 1:51
  me
• 1:51
  Ralph.
• 1:52
  With
• 1:52
  all
• 1:52
  the
• 1:52
  mid
• 1:52
  year
• 1:53
  check
• 1:53
  ins
• 1:53
  and
• 1:53
  money
• 1:53
  conversations
• 1:54
  that
• 1:54
  come
• 1:55
  up
• 1:55
  in
• 1:55
  May,
• 1:56
  I
• 1:56
  know
• 1:56
  I
• 1:56
  should
• 1:56
  look
• 1:57
  at
• 1:57
  my
• 1:57
  full
• 1:57
  debt
• 1:58
  picture
• 1:59
  but
• 1:59
  I'm
• 1:59
  scared
• 2:00
  to
• 2:00
  face
• 2:00
  it.
• 2:01
  Let
• 2:02
  me
• 2:02
  just
• 2:02
  take
• 2:02
  a
• 2:02
  break
• 2:03
  second
• 2:03
  and
• 2:03
  say
• 2:04
  you're
• 2:04
  not
• 2:04
  alone.
• 2:04
  A
• 2:05
  lot
• 2:05
  of
• 2:05
  people
• 2:05
  don't
• 2:06
  like
• 2:06
  to
• 2:06
  face
• 2:06
  this,
• 2:06
  but
• 2:07
  let
• 2:07
  me
• 2:07
  continue.
• 2:08
  Part
• 2:08
  of
• 2:08
  me
• 2:08
  feels
• 2:09
  like
• 2:09
  if
• 2:09
  I
• 2:09
  don't
• 2:10
  add
• 2:10
  it
• 2:10
  all
• 2:10
  up,
• 2:11
  it
• 2:11
  won't
• 2:11
  hit
• 2:12
  as
• 2:12
  hard.
• 2:13
  At
• 2:13
  the
• 2:13
  same
• 2:13
  time,
• 2:14
  the
• 2:14
  weight
• 2:15
  of
• 2:15
  it
• 2:15
  is
• 2:15
  already
• 2:16
  there,
• 2:16
  quietly
• 2:17
  stressing
• 2:18
  me
• 2:18
  out.
• 2:19
  I
• 2:19
  don't
• 2:20
  want
• 2:20
  to
• 2:20
  keep
• 2:20
  avoiding
• 2:21
  it,
• 2:21
  especially
• 2:22
  right
• 2:22
  now
• 2:23
  when
• 2:23
  I
• 2:23
  know
• 2:24
  it
• 2:24
  matters.
• 2:25
  So
• 2:25
  Ralph,
• 2:26
  how
• 2:26
  do
• 2:26
  I
• 2:27
  face
• 2:27
  my
• 2:27
  numbers
• 2:28
  without
• 2:28
  spiraling
• 2:29
  and
• 2:29
  take
• 2:30
  the
• 2:30
  next
• 2:31
  right
• 2:31
  step?
• 2:33
  What
• 2:33
  a
• 2:33
  great
• 2:34
  question.
• 2:36
  And
• 2:36
  first
• 2:36
  of
• 2:36
  all,
• 2:37
  you're
• 2:37
  not
• 2:37
  alone
• 2:38
  in
• 2:38
  this.
• 2:39
  You
• 2:39
  are
• 2:39
  definitely
• 2:40
  not
• 2:40
  the
• 2:40
  only
• 2:41
  person
• 2:41
  that
• 2:41
  is
• 2:42
  deals
• 2:42
  with
• 2:42
  this.
• 2:43
  So
• 2:43
  I
• 2:43
  want
• 2:43
  to
• 2:44
  start
• 2:44
  right
• 2:44
  here.
• 2:45
  Avoiding
• 2:46
  the
• 2:46
  numbers
• 2:46
  doesn't
• 2:47
  remove
• 2:47
  the
• 2:47
  weight.
• 2:48
  A
• 2:48
  lot
• 2:49
  of
• 2:49
  people
• 2:49
  think
• 2:49
  and
• 2:49
  listen.
• 2:50
  I've
• 2:50
  done
• 2:50
  this
• 2:50
  myself.
• 2:51
  There
• 2:52
  were
• 2:52
  seasons
• 2:52
  of
• 2:52
  my
• 2:53
  life
• 2:53
  where
• 2:53
  I
• 2:53
  didn't
• 2:53
  even
• 2:53
  look
• 2:54
  at
• 2:54
  my
• 2:54
  bank
• 2:54
  account
• 2:54
  because
• 2:55
  I
• 2:55
  did
• 2:55
  not
• 2:56
  want
• 2:56
  to
• 2:56
  know.
• 2:58
  But
• 2:58
  it
• 2:58
  doesn't
• 2:58
  remove
• 2:58
  the
• 2:59
  weight.
• 2:59
  You're
• 2:59
  still
• 2:59
  carrying
• 3:00
  that
• 3:00
  weight
• 3:00
  with
• 3:00
  you
• 3:01
  all
• 3:01
  the
• 3:01
  time.
• 3:02
  It
• 3:02
  just
• 3:03
  hides
• 3:03
  it.
• 3:04
  And
• 3:04
  for
• 3:05
  so
• 3:05
  many
• 3:05
  of
• 3:05
  us.
• 3:06
  And
• 3:06
  I've
• 3:06
  seen
• 3:06
  this
• 3:06
  in
• 3:07
  my
• 3:07
  practice,
• 3:07
  I've
• 3:07
  seen
• 3:08
  this
• 3:08
  in
• 3:08
  my
• 3:08
  own
• 3:09
  life.
• 3:10
  That
• 3:10
  hidden
• 3:10
  weight
• 3:11
  is
• 3:11
  often
• 3:12
  heavier
• 3:13
  than
• 3:13
  the
• 3:13
  truth
• 3:13
  itself.
• 3:16
  So
• 3:16
  today
• 3:16
  we're
• 3:16
  not
• 3:17
  going
• 3:17
  to
• 3:17
  do
• 3:17
  this
• 3:17
  with
• 3:17
  pressure
• 3:18
  though.
• 3:18
  I'm
• 3:18
  going
• 3:19
  to
• 3:19
  show
• 3:19
  you
• 3:19
  how
• 3:19
  to
• 3:19
  do
• 3:19
  this
• 3:20
  with
• 3:20
  peace.
• 3:21
  If
• 3:21
  you
• 3:21
  listen
• 3:22
  to
• 3:22
  my
• 3:22
  show,
• 3:22
  you
• 3:22
  know
• 3:23
  I
• 3:23
  believe
• 3:23
  in
• 3:24
  clarity.
• 3:25
  I'm
• 3:25
  all
• 3:25
  about
• 3:26
  Knowing
• 3:26
  what's
• 3:26
  going
• 3:27
  on,
• 3:27
  I
• 3:27
  think
• 3:27
  you
• 3:28
  can
• 3:28
  navigate
• 3:28
  that
• 3:29
  better.
• 3:29
  Because
• 3:29
  clarity
• 3:30
  removes
• 3:31
  fear.
• 3:32
  And
• 3:32
  when
• 3:32
  we
• 3:32
  can
• 3:33
  be
• 3:33
  take
• 3:33
  small,
• 3:34
  honest
• 3:35
  steps.
• 3:36
  That's
• 3:36
  what
• 3:36
  this
• 3:36
  show
• 3:36
  is
• 3:36
  all
• 3:37
  about,
• 3:37
  small,
• 3:38
  honest
• 3:38
  steps
• 3:39
  to
• 3:39
  break
• 3:39
  the
• 3:40
  financial
• 3:40
  shame.
• 3:41
  Now,
• 3:42
  you've
• 3:42
  asked
• 3:42
  a
• 3:42
  very
• 3:43
  intentional
• 3:43
  question
• 3:44
  and
• 3:44
  I
• 3:44
  want
• 3:44
  to
• 3:44
  give
• 3:45
  you
• 3:45
  an
• 3:45
  intentional
• 3:45
  answer.
• 3:47
  So
• 3:47
  before
• 3:47
  we
• 3:47
  even
• 3:48
  start
• 3:48
  to
• 3:48
  answer
• 3:48
  the
• 3:49
  question,
• 3:49
  we've
• 3:50
  got
• 3:50
  to
• 3:50
  put
• 3:50
  ourselves
• 3:51
  in
• 3:51
  the
• 3:51
  right
• 3:51
  mind
• 3:52
  frame.
• 3:53
  You've
• 3:53
  got
• 3:53
  to
• 3:54
  put
• 3:54
  yourself
• 3:54
  in
• 3:54
  a
• 3:55
  calm
• 3:55
  environment
• 3:56
  before
• 3:56
  you
• 3:56
  even
• 3:57
  start.
• 3:58
  And
• 3:58
  this
• 3:58
  matters
• 3:59
  more
• 3:59
  than
• 3:59
  you
• 3:59
  think.
• 4:00
  This
• 4:00
  isn't
• 4:01
  the
• 4:01
  time
• 4:01
  to
• 4:01
  do
• 4:01
  it
• 4:01
  when
• 4:01
  you're
• 4:02
  rushed.
• 4:03
  This
• 4:03
  is
• 4:03
  not
• 4:03
  the
• 4:03
  thing
• 4:04
  to
• 4:04
  do
• 4:04
  late
• 4:04
  at
• 4:05
  night
• 4:05
  and
• 4:05
  definitely
• 4:06
  not
• 4:06
  to
• 4:06
  do
• 4:07
  it
• 4:07
  in
• 4:07
  a
• 4:07
  moment
• 4:07
  of
• 4:08
  stress.
• 4:09
  Maybe
• 4:09
  you
• 4:10
  just
• 4:10
  got
• 4:10
  a
• 4:10
  bill
• 4:10
  and
• 4:11
  you
• 4:11
  feel
• 4:11
  this
• 4:11
  weight,
• 4:11
  like,
• 4:12
  oh
• 4:12
  man,
• 4:12
  another
• 4:13
  bill.
• 4:13
  How
• 4:13
  am
• 4:13
  I
• 4:13
  ever
• 4:14
  going
• 4:14
  to
• 4:14
  get
• 4:14
  out,
• 4:14
  out
• 4:14
  from
• 4:15
  under
• 4:15
  this?
• 4:16
  This
• 4:16
  is
• 4:17
  not
• 4:17
  the
• 4:17
  time
• 4:17
  to
• 4:18
  do
• 4:18
  that.
• 4:18
  You've
• 4:19
  got
• 4:19
  to
• 4:19
  be
• 4:19
  intentional
• 4:20
  in
• 4:20
  this.
• 4:21
  Pick
• 4:21
  a
• 4:21
  quiet
• 4:22
  time,
• 4:23
  sit
• 4:23
  down,
• 4:25
  take
• 4:25
  in
• 4:25
  that
• 4:25
  breath,
• 4:27
  pray
• 4:28
  first.
• 4:29
  Because
• 4:29
  this
• 4:30
  isn't
• 4:30
  about
• 4:30
  walking
• 4:31
  into
• 4:31
  judgment.
• 4:32
  A
• 4:32
  lot
• 4:32
  of
• 4:32
  people
• 4:32
  think,
• 4:32
  well,
• 4:33
  if
• 4:33
  I
• 4:33
  really
• 4:34
  embrace
• 4:34
  this
• 4:35
  mid
• 4:35
  year
• 4:35
  check
• 4:35
  in,
• 4:36
  I
• 4:36
  look
• 4:36
  at
• 4:36
  where
• 4:36
  my
• 4:36
  debts
• 4:37
  are,
• 4:37
  I'm
• 4:38
  walking
• 4:38
  into
• 4:38
  the
• 4:38
  judgment.
• 4:39
  Hey,
• 4:39
  listen,
• 4:39
  we're
• 4:40
  all
• 4:40
  going
• 4:40
  to
• 4:40
  walk
• 4:40
  into
• 4:40
  judgment
• 4:41
  someday.
• 4:42
  But
• 4:42
  that's
• 4:42
  not
• 4:42
  what
• 4:43
  this
• 4:43
  is.
• 4:44
  This
• 4:44
  is
• 4:44
  all
• 4:44
  about
• 4:45
  stepping
• 4:45
  into
• 4:46
  clarity.
• 4:47
  So
• 4:48
  calm
• 4:48
  your
• 4:48
  mind,
• 4:49
  pull
• 4:49
  the
• 4:50
  right
• 4:50
  time
• 4:50
  out,
• 4:50
  take
• 4:51
  that
• 4:51
  deep
• 4:51
  breath,
• 4:52
  pray
• 4:53
  about
• 4:53
  it.
• 4:54
  And
• 4:54
  then
• 4:54
  once
• 4:54
  you're
• 4:55
  ready,
• 4:55
  here's
• 4:55
  what
• 4:56
  I
• 4:56
  want
• 4:56
  you
• 4:56
  to
• 4:56
  do.
• 4:56
  I
• 4:57
  want
• 4:57
  you
• 4:57
  to
• 4:57
  list
• 4:58
  your
• 4:58
  debts.
• 4:59
  No
• 4:59
  commentary,
• 5:00
  not,
• 5:01
  oh,
• 5:01
  how
• 5:01
  did
• 5:01
  I
• 5:02
  do
• 5:02
  this?
• 5:02
  Oh,
• 5:02
  I
• 5:03
  can't
• 5:03
  believe
• 5:03
  this.
• 5:04
  This
• 5:04
  is
• 5:05
  the
• 5:05
  key
• 5:05
  to
• 5:05
  thing.
• 5:06
  I
• 5:06
  want
• 5:06
  you
• 5:07
  to
• 5:07
  just
• 5:07
  list
• 5:07
  these
• 5:07
  things.
• 5:08
  You're
• 5:08
  going
• 5:08
  to
• 5:08
  write
• 5:08
  down
• 5:08
  the
• 5:09
  name
• 5:09
  of
• 5:09
  the
• 5:09
  creditor,
• 5:10
  you're
• 5:10
  going
• 5:10
  to
• 5:10
  write
• 5:11
  down
• 5:11
  the
• 5:11
  balance,
• 5:12
  and
• 5:12
  you're
• 5:12
  going
• 5:12
  to
• 5:12
  write
• 5:13
  down
• 5:13
  the
• 5:13
  minimum
• 5:14
  payment.
• 5:14
  Just
• 5:14
  three
• 5:15
  columns.
• 5:15
  The
• 5:16
  creditor,
• 5:17
  the
• 5:17
  balance
• 5:18
  and
• 5:18
  the
• 5:19
  minimum
• 5:19
  payment.
• 5:20
  That's
• 5:20
  it.
• 5:21
  This
• 5:21
  isn't
• 5:22
  a
• 5:22
  time
• 5:22
  for
• 5:22
  labels.
• 5:23
  No,
• 5:23
  I
• 5:23
  can't
• 5:23
  believe
• 5:24
  I
• 5:24
  did
• 5:24
  this.
• 5:25
  No,
• 5:26
  no
• 5:26
  shame
• 5:27
  statements.
• 5:27
  Oh,
• 5:27
  I'm
• 5:28
  back
• 5:28
  in
• 5:28
  debt
• 5:28
  again.
• 5:29
  No,
• 5:29
  you're
• 5:30
  just
• 5:30
  gathering
• 5:31
  information
• 5:32
  at
• 5:32
  this
• 5:32
  point.
• 5:32
  You're
• 5:33
  not
• 5:33
  assigning
• 5:33
  blame,
• 5:34
  you're
• 5:34
  gathering
• 5:35
  information.
• 5:37
  So
• 5:37
  that's
• 5:37
  the
• 5:37
  second
• 5:38
  thing
• 5:38
  you
• 5:38
  do
• 5:39
  once
• 5:39
  you've
• 5:39
  gathered
• 5:40
  that
• 5:40
  information.
• 5:41
  And
• 5:42
  maybe
• 5:42
  this
• 5:42
  is
• 5:42
  a
• 5:42
  mountain
• 5:43
  you're
• 5:43
  looking
• 5:43
  at.
• 5:44
  Maybe
• 5:44
  you're
• 5:44
  looking
• 5:44
  at
• 5:44
  this
• 5:44
  thing
• 5:45
  and
• 5:45
  like
• 5:45
  Ralph,
• 5:45
  this
• 5:45
  thing
• 5:46
  is
• 5:46
  big.
• 5:46
  It's
• 5:46
  cut
• 5:47
  a
• 5:47
  lot
• 5:47
  of
• 5:47
  weight
• 5:48
  to
• 5:48
  it.
• 5:49
  I
• 5:49
  just
• 5:49
  want
• 5:49
  you
• 5:50
  to
• 5:50
  focus
• 5:50
  on
• 5:51
  one
• 5:51
  number,
• 5:52
  not
• 5:52
  the
• 5:52
  total.
• 5:53
  If
• 5:54
  you're
• 5:54
  like
• 5:54
  me,
• 5:55
  that
• 5:55
  total
• 5:55
  can
• 5:56
  feel
• 5:56
  overwhelming.
• 5:57
  I
• 5:58
  remember
• 5:58
  a
• 5:58
  season
• 5:58
  in
• 5:59
  My
• 5:59
  life,
• 5:59
  the
• 5:59
  kids
• 6:00
  were
• 6:00
  young.
• 6:00
  My
• 6:01
  wife
• 6:01
  and
• 6:01
  I,
• 6:01
  we
• 6:01
  had
• 6:02
  racked
• 6:02
  up
• 6:02
  some
• 6:03
  credit
• 6:03
  card
• 6:03
  debt.
• 6:05
  And
• 6:05
  that
• 6:05
  total,
• 6:05
  when
• 6:06
  I
• 6:06
  looked
• 6:06
  at
• 6:06
  it,
• 6:06
  it
• 6:06
  was
• 6:07
  overwhelming.
• 6:08
  I
• 6:08
  thought,
• 6:08
  man,
• 6:09
  this
• 6:09
  is
• 6:09
  nearly
• 6:10
  what
• 6:10
  I
• 6:10
  make
• 6:10
  in
• 6:11
  six
• 6:11
  months
• 6:11
  working.
• 6:13
  And
• 6:13
  for
• 6:13
  a
• 6:13
  while,
• 6:14
  I
• 6:14
  got
• 6:14
  to
• 6:14
  be
• 6:14
  honest
• 6:14
  with
• 6:15
  you,
• 6:15
  I
• 6:15
  stayed
• 6:16
  focused
• 6:16
  on
• 6:16
  that
• 6:17
  mountain.
• 6:18
  But
• 6:18
  I
• 6:19
  don't
• 6:19
  want
• 6:19
  you
• 6:19
  to
• 6:19
  live
• 6:19
  that
• 6:19
  same
• 6:20
  life
• 6:20
  that
• 6:20
  I
• 6:20
  lived.
• 6:22
  So
• 6:22
  instead
• 6:22
  of
• 6:22
  fixating
• 6:23
  on
• 6:23
  that
• 6:23
  full
• 6:24
  amount,
• 6:24
  I
• 6:24
  just
• 6:25
  want
• 6:25
  you
• 6:25
  to
• 6:25
  focus
• 6:25
  on
• 6:26
  the
• 6:26
  one
• 6:27
  next
• 6:27
  step.
• 6:28
  Ask
• 6:29
  yourself
• 6:29
  this,
• 6:30
  what
• 6:30
  is
• 6:31
  one
• 6:31
  debt?
• 6:31
  And
• 6:31
  this
• 6:31
  is
• 6:31
  why
• 6:32
  I
• 6:32
  had
• 6:32
  you
• 6:32
  make
• 6:32
  that
• 6:32
  list.
• 6:34
  What
• 6:34
  is
• 6:34
  one
• 6:34
  debt
• 6:35
  I
• 6:35
  can
• 6:35
  begin
• 6:35
  to
• 6:36
  make
• 6:36
  progress
• 6:37
  on?
• 6:38
  Just
• 6:38
  pull
• 6:39
  one
• 6:39
  of
• 6:39
  those
• 6:39
  out
• 6:39
  of
• 6:39
  there.
• 6:40
  What's
• 6:40
  one
• 6:40
  payment
• 6:41
  that
• 6:41
  I
• 6:42
  can
• 6:42
  increase
• 6:42
  even
• 6:43
  slightly?
• 6:44
  Because
• 6:45
  the
• 6:45
  key
• 6:45
  here
• 6:45
  is
• 6:46
  you
• 6:46
  want
• 6:46
  to
• 6:46
  build
• 6:46
  in
• 6:47
  that
• 6:47
  progress.
• 6:48
  And
• 6:49
  you're
• 6:49
  never
• 6:49
  going
• 6:49
  to
• 6:49
  see
• 6:50
  progress
• 6:50
  if
• 6:50
  you
• 6:50
  see
• 6:51
  this
• 6:51
  mountain
• 6:51
  in
• 6:52
  front
• 6:52
  of
• 6:52
  you.
• 6:53
  You're
• 6:53
  just
• 6:53
  going
• 6:53
  to
• 6:54
  stay
• 6:54
  fixated
• 6:54
  on
• 6:55
  the
• 6:55
  mountain.
• 6:55
  But
• 6:55
  when
• 6:55
  you
• 6:56
  pull
• 6:56
  one
• 6:56
  little
• 6:57
  piece,
• 6:57
  that
• 6:57
  first,
• 6:57
  first
• 6:58
  step,
• 6:59
  it
• 6:59
  starts
• 7:00
  with
• 7:00
  just
• 7:00
  one
• 7:00
  decision.
• 7:02
  So
• 7:02
  that's
• 7:03
  what
• 7:03
  I
• 7:03
  want
• 7:03
  you
• 7:03
  to
• 7:03
  do.
• 7:03
  I
• 7:03
  want
• 7:04
  you
• 7:04
  to
• 7:04
  create
• 7:04
  a
• 7:04
  simple,
• 7:05
  sustainable
• 7:06
  plan.
• 7:07
  This
• 7:07
  isn't
• 7:08
  the
• 7:08
  time
• 7:08
  to
• 7:08
  get
• 7:09
  heroic.
• 7:09
  This
• 7:09
  isn't
• 7:10
  a
• 7:10
  time
• 7:10
  to
• 7:10
  get,
• 7:11
  you
• 7:11
  know,
• 7:11
  aggressive.
• 7:13
  Not
• 7:13
  something
• 7:13
  unrealistic,
• 7:14
  just
• 7:15
  something
• 7:15
  sustainable.
• 7:17
  Now,
• 7:17
  for
• 7:17
  you,
• 7:17
  that
• 7:18
  might
• 7:18
  look
• 7:18
  like,
• 7:18
  hey,
• 7:18
  I'm
• 7:19
  going
• 7:19
  to
• 7:19
  add
• 7:19
  $25
• 7:20
  extra
• 7:21
  to
• 7:21
  one
• 7:21
  payment
• 7:22
  this
• 7:22
  week.
• 7:22
  You
• 7:23
  might
• 7:23
  be
• 7:23
  saying,
• 7:23
  rob,
• 7:23
  that's
• 7:24
  not
• 7:24
  much.
• 7:24
  Well,
• 7:24
  guess
• 7:24
  what?
• 7:25
  That's
• 7:25
  more
• 7:25
  than
• 7:26
  you
• 7:26
  did
• 7:26
  last
• 7:26
  week.
• 7:27
  Or
• 7:28
  maybe
• 7:28
  choosing
• 7:28
  a
• 7:29
  payoff
• 7:29
  order.
• 7:29
  We've
• 7:29
  talked
• 7:30
  about
• 7:30
  the
• 7:30
  different
• 7:30
  ways
• 7:31
  to
• 7:31
  do
• 7:31
  that.
• 7:31
  The
• 7:32
  snowball
• 7:32
  or
• 7:32
  the
• 7:33
  avalanche.
• 7:34
  Maybe
• 7:35
  setting
• 7:35
  one
• 7:35
  monthly
• 7:36
  check
• 7:36
  in
• 7:36
  time
• 7:36
  where
• 7:37
  you're
• 7:37
  going
• 7:37
  to
• 7:37
  go
• 7:37
  look
• 7:37
  at
• 7:37
  this
• 7:38
  every
• 7:38
  month.
• 7:39
  I
• 7:39
  don't
• 7:39
  think
• 7:39
  this
• 7:40
  is
• 7:40
  something
• 7:40
  you
• 7:40
  should
• 7:40
  go
• 7:40
  look
• 7:41
  at
• 7:41
  every
• 7:41
  day.
• 7:41
  You'll
• 7:41
  drive
• 7:42
  yourself
• 7:42
  crazy.
• 7:43
  But
• 7:44
  maybe
• 7:44
  you
• 7:44
  say,
• 7:44
  look
• 7:45
  on
• 7:45
  the
• 7:45
  1st
• 7:45
  of
• 7:45
  every
• 7:46
  month
• 7:46
  or
• 7:46
  the
• 7:46
  10th
• 7:46
  of
• 7:46
  every
• 7:47
  month,
• 7:47
  I'm
• 7:47
  going
• 7:47
  to
• 7:48
  go
• 7:48
  pull
• 7:48
  this
• 7:48
  list.
• 7:48
  I'm
• 7:49
  going
• 7:49
  to
• 7:49
  make
• 7:49
  a
• 7:49
  list
• 7:49
  again,
• 7:49
  and
• 7:50
  I'm
• 7:50
  going
• 7:50
  to
• 7:50
  see
• 7:50
  where
• 7:50
  I'm
• 7:51
  at.
• 7:52
  Because
• 7:52
  when
• 7:52
  you
• 7:52
  commit
• 7:53
  to
• 7:53
  consistency,
• 7:55
  it
• 7:55
  will
• 7:55
  beat
• 7:55
  intensity
• 7:56
  every
• 7:56
  day.
• 7:57
  Because
• 7:57
  the
• 7:57
  goal
• 7:58
  is
• 7:58
  not
• 7:58
  to
• 7:58
  sprint,
• 8:00
  it's
• 8:00
  to
• 8:00
  stay
• 8:01
  steady.
• 8:02
  And
• 8:03
  in
• 8:03
  the
• 8:03
  end,
• 8:03
  here's
• 8:04
  the
• 8:04
  big
• 8:04
  takeaway
• 8:04
  for
• 8:04
  today.
• 8:05
  You've
• 8:06
  got
• 8:06
  to
• 8:06
  replace
• 8:06
  shame
• 8:07
  with
• 8:07
  truth.
• 8:08
  So
• 8:09
  let's
• 8:09
  take
• 8:09
  a
• 8:09
  minute,
• 8:09
  talk
• 8:09
  about
• 8:10
  the
• 8:10
  emotional
• 8:10
  side
• 8:11
  of
• 8:11
  this,
• 8:12
  because
• 8:12
  shame
• 8:13
  is
• 8:13
  going
• 8:13
  to
• 8:13
  try
• 8:13
  to
• 8:13
  speak
• 8:14
  to
• 8:14
  you
• 8:14
  during
• 8:14
  this.
• 8:15
  It's
• 8:16
  going
• 8:16
  to
• 8:16
  say
• 8:16
  things
• 8:16
  like,
• 8:17
  you
• 8:17
  should
• 8:17
  be
• 8:18
  further
• 8:18
  along,
• 8:20
  or
• 8:20
  maybe
• 8:21
  you
• 8:21
  mess
• 8:21
  this
• 8:22
  up,
• 8:23
  or
• 8:24
  it'll
• 8:24
  whisper
• 8:24
  you're
• 8:24
  behind,
• 8:27
  but
• 8:27
  that's
• 8:27
  not
• 8:27
  the
• 8:27
  truth.
• 8:30
  Here's
• 8:30
  the
• 8:30
  truth.
• 8:32
  You're
• 8:32
  facing
• 8:32
  it
• 8:33
  now.
• 8:33
  Maybe
• 8:33
  you
• 8:33
  haven't
• 8:34
  ever
• 8:34
  faced
• 8:35
  it
• 8:35
  before.
• 8:35
  Maybe
• 8:36
  you've
• 8:36
  never
• 8:36
  made
• 8:36
  that
• 8:37
  list.
• 8:37
  Maybe
• 8:37
  you've
• 8:38
  never
• 8:38
  made
• 8:38
  that
• 8:39
  commitment.
• 8:39
  But
• 8:39
  right
• 8:40
  now,
• 8:40
  friend,
• 8:40
  you
• 8:41
  are
• 8:41
  facing
• 8:42
  it.
• 8:43
  You're
• 8:43
  taking
• 8:43
  that
• 8:43
  step.
• 8:44
  You're
• 8:45
  not
• 8:45
  stuck
• 8:45
  anymore.
• 8:47
  And
• 8:47
  that
• 8:47
  right
• 8:47
  there
• 8:48
  matters
• 8:48
  more
• 8:48
  than
• 8:48
  where
• 8:49
  you've
• 8:49
  been.
• 8:49
  Because,
• 8:50
  listen,
• 8:50
  we've
• 8:50
  all
• 8:50
  been
• 8:51
  somewhere.
• 8:53
  But
• 8:53
  where
• 8:53
  are
• 8:53
  you
• 8:54
  going?
• 8:56
  So
• 8:56
  here's
• 8:57
  my
• 8:57
  encouragement
• 8:58
  for
• 8:58
  today.
• 8:59
  Facing
• 8:59
  the
• 8:59
  truth
• 9:00
  is
• 9:00
  the
• 9:00
  first
• 9:00
  step
• 9:01
  towards
• 9:01
  freedom.
• 9:04
  Face
• 9:04
  that
• 9:04
  truth.
• 9:05
  Take
• 9:06
  that
• 9:06
  first
• 9:06
  step.
• 9:07
  Well,
• 9:08
  here's
• 9:08
  your
• 9:08
  win
• 9:08
  for
• 9:08
  today.
• 9:09
  I
• 9:09
  want
• 9:09
  you
• 9:10
  to
• 9:10
  go
• 9:10
  make
• 9:10
  that
• 9:10
  list
• 9:10
  and
• 9:11
  I
• 9:11
  want
• 9:11
  you
• 9:11
  to
• 9:11
  write
• 9:11
  down
• 9:12
  one
• 9:12
  debt.
• 9:12
  Again,
• 9:13
  not
• 9:13
  all
• 9:13
  of
• 9:14
  them,
• 9:15
  just
• 9:15
  one.
• 9:16
  Start
• 9:16
  there.
• 9:17
  Because
• 9:17
  starting
• 9:18
  small
• 9:18
  is
• 9:19
  still
• 9:19
  starting.
• 9:21
  Just
• 9:21
  start.
• 9:23
  Which
• 9:23
  leads
• 9:23
  me
• 9:23
  to
• 9:24
  today's
• 9:24
  Bible
• 9:24
  verse.
• 9:26
  As
• 9:26
  you
• 9:26
  know,
• 9:26
  this
• 9:27
  show
• 9:27
  is
• 9:27
  all
• 9:27
  about
• 9:27
  faith
• 9:28
  and
• 9:28
  finance.
• 9:29
  And
• 9:29
  I
• 9:29
  always
• 9:29
  want
• 9:29
  to
• 9:29
  tie
• 9:30
  it
• 9:30
  back
• 9:30
  to
• 9:30
  scripture.
• 9:31
  And
• 9:31
  today
• 9:32
  we
• 9:32
  go
• 9:32
  to
• 9:32
  second
• 9:33
  Timothy,
• 9:33
  chapter
• 9:34
  one,
• 9:34
  verse
• 9:35
  seven.
• 9:36
  And
• 9:36
  I
• 9:36
  love
• 9:36
  this
• 9:37
  one.
• 9:37
  This
• 9:37
  is
• 9:37
  another
• 9:37
  one
• 9:38
  of
• 9:38
  those.
• 9:38
  Put
• 9:38
  it
• 9:39
  on
• 9:39
  the
• 9:39
  refrigerator
• 9:41
  again.
• 9:41
  2Nd
• 9:41
  Timothy
• 9:42
  1:7.
• 9:43
  For
• 9:43
  the
• 9:43
  spirit
• 9:44
  God
• 9:44
  gave
• 9:44
  us
• 9:45
  does
• 9:45
  not
• 9:45
  make
• 9:45
  us
• 9:46
  timid,
• 9:47
  but
• 9:47
  gives
• 9:47
  us
• 9:48
  power,
• 9:49
  love
• 9:50
  and
• 9:50
  self
• 9:50
  discipline.
• 9:52
  I
• 9:52
  don't
• 9:52
  know
• 9:52
  about
• 9:52
  you.
• 9:53
  When
• 9:53
  I
• 9:53
  read
• 9:53
  that,
• 9:53
  I
• 9:53
  kind
• 9:54
  of
• 9:54
  feel
• 9:54
  strong
• 9:56
  power,
• 9:57
  love,
• 9:58
  self
• 9:58
  discipline.
• 10:00
  And
• 10:00
  the
• 10:00
  best
• 10:00
  part
• 10:00
  is
• 10:01
  that's
• 10:01
  the
• 10:01
  spirit
• 10:02
  that
• 10:02
  God's
• 10:02
  already
• 10:03
  given
• 10:03
  us.
• 10:04
  Because
• 10:05
  God
• 10:05
  equips
• 10:06
  you
• 10:06
  not
• 10:06
  with
• 10:06
  fear.
• 10:09
  That's
• 10:09
  the
• 10:09
  evil
• 10:09
  one
• 10:10
  speaking,
• 10:11
  but
• 10:11
  God
• 10:11
  equips
• 10:12
  you
• 10:12
  with
• 10:12
  strength
• 10:12
  and
• 10:13
  discipline
• 10:13
  that
• 10:14
  you
• 10:14
  need
• 10:14
  to
• 10:14
  face
• 10:15
  your
• 10:15
  situation
• 10:16
  and
• 10:16
  take
• 10:17
  steps
• 10:18
  forward,
• 10:18
  steady
• 10:19
  steps
• 10:19
  forward.
• 10:20
  Well,
• 10:20
  how
• 10:20
  about
• 10:20
  we
• 10:21
  pray
• 10:21
  together
• 10:21
  right
• 10:21
  now,
• 10:23
  Heavenly
• 10:23
  Father,
• 10:24
  right
• 10:25
  now,
• 10:25
  I
• 10:25
  lift
• 10:25
  up
• 10:25
  my
• 10:26
  friend
• 10:26
  who
• 10:26
  feels
• 10:26
  the
• 10:27
  weight
• 10:27
  of
• 10:27
  what
• 10:27
  they've
• 10:27
  been
• 10:27
  avoiding.
• 10:29
  So
• 10:30
  hard
• 10:30
  to
• 10:30
  break
• 10:31
  free
• 10:31
  of
• 10:31
  that
• 10:32
  weight.
• 10:33
  And,
• 10:33
  Lord,
• 10:34
  you
• 10:34
  see
• 10:34
  their
• 10:34
  fear,
• 10:35
  you
• 10:36
  see
• 10:36
  the
• 10:36
  pressure
• 10:36
  that
• 10:37
  they're
• 10:37
  carrying,
• 10:38
  and
• 10:38
  you
• 10:38
  see
• 10:39
  their
• 10:39
  desire
• 10:39
  to
• 10:39
  just
• 10:40
  move
• 10:40
  forward.
• 10:42
  So
• 10:42
  right
• 10:42
  now,
• 10:42
  at
• 10:42
  this
• 10:43
  very
• 10:43
  moment,
• 10:43
  Lord,
• 10:44
  I
• 10:44
  ask
• 10:44
  that
• 10:44
  you
• 10:45
  replace
• 10:45
  fear
• 10:46
  with
• 10:46
  courage
• 10:47
  and
• 10:48
  shame
• 10:48
  with
• 10:48
  grace.
• 10:50
  Give
• 10:50
  them
• 10:50
  peace
• 10:51
  as
• 10:51
  they
• 10:51
  face
• 10:52
  their
• 10:52
  numbers,
• 10:52
  Lord.
• 10:53
  It
• 10:53
  might
• 10:53
  be
• 10:53
  really
• 10:53
  hard
• 10:54
  for
• 10:54
  them,
• 10:55
  but
• 10:55
  give
• 10:55
  them
• 10:56
  peace
• 10:56
  as
• 10:56
  they
• 10:56
  face
• 10:57
  those
• 10:57
  numbers.
• 10:58
  Give
• 10:58
  them
• 10:58
  clarity
• 10:59
  as
• 10:59
  they
• 10:59
  make
• 11:00
  wise
• 11:00
  decisions.
• 11:02
  But
• 11:02
  most
• 11:02
  of
• 11:02
  all,
• 11:03
  Lord,
• 11:03
  give
• 11:03
  them
• 11:03
  strength
• 11:04
  to
• 11:04
  take
• 11:04
  one
• 11:05
  simple
• 11:05
  step
• 11:06
  today
• 11:07
  and
• 11:08
  remind
• 11:08
  us
• 11:08
  all
• 11:09
  we
• 11:10
  are
• 11:10
  not
• 11:10
  defined
• 11:11
  by
• 11:11
  our
• 11:11
  debts,
• 11:13
  but
• 11:13
  by
• 11:13
  your
• 11:13
  love
• 11:14
  and
• 11:14
  your
• 11:15
  purpose
• 11:15
  in
• 11:15
  our
• 11:16
  lives.
• 11:17
  So,
• 11:17
  Lord,
• 11:17
  right
• 11:18
  now,
• 11:18
  we
• 11:18
  ask
• 11:18
  that
• 11:18
  you
• 11:19
  would
• 11:19
  just
• 11:19
  walk
• 11:19
  with
• 11:19
  us
• 11:20
  in
• 11:20
  this
• 11:20
  process.
• 11:22
  And
• 11:22
  I
• 11:22
  ask
• 11:22
  this
• 11:22
  in
• 11:23
  the
• 11:23
  mighty
• 11:23
  name
• 11:23
  of
• 11:23
  Jesus.
• 11:25
  Amen.
• 11:27
  Friend,
• 11:28
  hear
• 11:28
  me
• 11:28
  on
• 11:28
  this.
• 11:29
  You
• 11:29
  don't
• 11:30
  have
• 11:30
  to
• 11:30
  solve
• 11:30
  everything
• 11:31
  today.
• 11:32
  You're
• 11:33
  not
• 11:33
  going
• 11:33
  to
• 11:33
  solve
• 11:34
  everything
• 11:34
  today.
• 11:35
  Spoiler
• 11:36
  alert.
• 11:37
  You
• 11:38
  just
• 11:38
  have
• 11:38
  to
• 11:38
  start
• 11:38
  today.
• 11:41
  And
• 11:41
  I
• 11:41
  want
• 11:41
  to
• 11:41
  encourage
• 11:42
  you
• 11:42
  right
• 11:42
  now,
• 11:42
  don't
• 11:42
  keep
• 11:43
  carrying
• 11:43
  this
• 11:43
  on
• 11:43
  your
• 11:44
  own.
• 11:44
  The
• 11:45
  things
• 11:45
  that
• 11:45
  we
• 11:45
  talk
• 11:45
  about
• 11:46
  on
• 11:46
  this
• 11:46
  show
• 11:46
  are
• 11:47
  hard
• 11:47
  things.
• 11:47
  Sometimes
• 11:49
  take
• 11:49
  a
• 11:50
  minute
• 11:50
  and
• 11:50
  say
• 11:51
  it
• 11:51
  out
• 11:51
  loud.
• 11:51
  And
• 11:51
  if
• 11:51
  you
• 11:52
  feel
• 11:52
  like
• 11:52
  it,
• 11:52
  I
• 11:52
  would
• 11:53
  love
• 11:53
  to
• 11:53
  hear
• 11:53
  what
• 11:53
  you're
• 11:53
  going
• 11:54
  through
• 11:54
  right
• 11:54
  now.
• 11:55
  We've
• 11:55
  got
• 11:55
  a
• 11:56
  way
• 11:56
  for
• 11:56
  you
• 11:56
  to
• 11:56
  leave
• 11:56
  us
• 11:57
  a
• 11:57
  voicemail
• 11:57
  message.
• 11:58
  You
• 11:58
  can
• 11:58
  actually
• 11:58
  go
• 11:59
  click
• 11:59
  on
• 11:59
  this
• 11:59
  website,
• 12:00
  go
• 12:00
  to
• 12:00
  financiallyconfidentchristian.com/voicemail
• 12:05
  and
• 12:05
  leave
• 12:06
  me
• 12:06
  a
• 12:06
  message.
• 12:07
  It
• 12:08
  doesn't
• 12:08
  have
• 12:08
  to
• 12:08
  be
• 12:08
  perfect.
• 12:10
  I
• 12:10
  don't
• 12:10
  want
• 12:10
  it
• 12:10
  to
• 12:10
  be
• 12:10
  perfect.
• 12:11
  I
• 12:11
  just
• 12:11
  want
• 12:11
  to
• 12:11
  hear
• 12:11
  from
• 12:12
  you.
• 12:12
  I
• 12:12
  love
• 12:12
  hearing
• 12:13
  from
• 12:13
  our
• 12:13
  listeners.
• 12:14
  Guess
• 12:14
  what?
• 12:14
  I've
• 12:15
  got
• 12:15
  an
• 12:15
  actual
• 12:16
  listener
• 12:16
  voicemail
• 12:17
  that
• 12:17
  we're
• 12:18
  going
• 12:18
  to
• 12:18
  cover
• 12:18
  on
• 12:18
  tomorrow's
• 12:19
  show.
• 12:20
  Again,
• 12:20
  it
• 12:20
  doesn't
• 12:20
  have
• 12:21
  to
• 12:21
  be
• 12:21
  perfect.
• 12:22
  It
• 12:22
  just
• 12:22
  needs
• 12:22
  to
• 12:23
  be
• 12:23
  honest
• 12:24
  because
• 12:24
  I
• 12:24
  truly
• 12:24
  want
• 12:25
  to
• 12:25
  hear
• 12:25
  from
• 12:25
  you.
• 12:25
  And
• 12:26
  your
• 12:26
  message,
• 12:27
  believe
• 12:27
  it
• 12:27
  or
• 12:27
  not,
• 12:28
  might
• 12:28
  be
• 12:28
  the
• 12:28
  exact
• 12:29
  message
• 12:29
  that
• 12:30
  someone
• 12:30
  else
• 12:30
  needs
• 12:31
  to
• 12:31
  hear
• 12:31
  right
• 12:32
  alongside
• 12:32
  you.
• 12:33
  So
• 12:33
  go
• 12:34
  to
• 12:34
  financiallyconfidentchristian.com/voicemail
• 12:38
  and
• 12:39
  share
• 12:39
  what's
• 12:40
  going
• 12:40
  on
• 12:40
  in
• 12:40
  your
• 12:40
  life.
• 12:41
  So
• 12:42
  thank
• 12:42
  you
• 12:42
  so
• 12:42
  much
• 12:42
  for
• 12:43
  joining
• 12:43
  me
• 12:43
  today.
• 12:43
  As
• 12:44
  I
• 12:44
  always
• 12:44
  say,
• 12:45
  stay
• 12:45
  financially
• 12:46
  savvy.
• 12:46
  May
• 12:47
  God
• 12:47
  bless
• 12:47
  you
• 12:48
  and
• 12:48
  make
• 12:48
  sure
• 12:48
  you
• 12:49
  join
• 12:49
  us
• 12:49
  on
• 12:49
  tomorrow's
• 12:50
  show.
• 12:50
  Have
• 12:50
  a
• 12:50
  great
• 12:51
  day
• 12:51
  today.