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Why Does My Money Disappear So Fast Every Month? · Becoming Financially Confident

• 0:37
  You
• 0:37
  work
• 0:38
  hard,
• 0:38
  your
• 0:39
  paycheck
• 0:39
  lands
• 0:39
  in
• 0:40
  your
• 0:40
  bank
• 0:40
  account,
• 0:40
  then
• 0:41
  poof,
• 0:41
  it
• 0:41
  feels
• 0:41
  like
• 0:42
  it
• 0:42
  just
• 0:42
  vanishes
• 0:43
  away.
• 0:44
  Do
• 0:44
  you
• 0:44
  ever
• 0:44
  feel
• 0:44
  like
• 0:44
  your
• 0:45
  money
• 0:45
  has
• 0:45
  a
• 0:45
  mind
• 0:45
  of
• 0:46
  its
• 0:46
  own?
• 0:46
  Like
• 0:46
  it's
• 0:47
  slipping
• 0:47
  through
• 0:47
  your
• 0:47
  fingers
• 0:48
  before
• 0:48
  you
• 0:48
  even
• 0:49
  know
• 0:49
  where
• 0:49
  it
• 0:49
  went?
• 0:50
  Let
• 0:50
  me
• 0:51
  ask
• 0:51
  you
• 0:51
  this.
• 0:52
  What
• 0:52
  if
• 0:52
  you
• 0:52
  could
• 0:52
  gain
• 0:53
  crystal
• 0:53
  clear
• 0:54
  clarity
• 0:54
  and
• 0:55
  finally
• 0:55
  take
• 0:55
  control
• 0:55
  of
• 0:56
  your
• 0:56
  financial
• 0:56
  flow?
• 0:56
  Well,
• 0:57
  stick
• 0:57
  with
• 0:57
  me
• 0:57
  today
• 0:58
  because
• 0:58
  I'm
• 0:58
  going
• 0:58
  to
• 0:58
  tell
• 0:58
  you
• 0:58
  exactly
• 0:59
  how
• 0:59
  to
• 0:59
  do
• 0:59
  that.
• 1:00
  I'm
• 1:00
  going
• 1:00
  to
• 1:00
  tell
• 1:00
  you
• 1:00
  how
• 1:00
  to
• 1:01
  do
• 1:01
  that
• 1:01
  on
• 1:01
  today's
• 1:01
  show.
• 1:04
  This
• 1:04
  is
• 1:04
  Financially
• 1:05
  Confident
• 1:05
  Christian,
• 1:06
  your
• 1:06
  daily
• 1:07
  dose
• 1:07
  of
• 1:07
  gospel
• 1:08
  grounded
• 1:08
  insight
• 1:08
  and
• 1:09
  faith
• 1:09
  driven
• 1:09
  tips
• 1:10
  to
• 1:10
  help
• 1:10
  you
• 1:10
  break
• 1:11
  the
• 1:11
  cycle
• 1:11
  of
• 1:11
  financial
• 1:12
  shame
• 1:12
  with
• 1:12
  confidence.
• 1:17
  Hey
• 1:17
  there.
• 1:17
  Welcome
• 1:18
  back
• 1:18
  to
• 1:18
  your
• 1:18
  daily
• 1:19
  Financially
• 1:19
  Confident
• 1:20
  Christian.
• 1:20
  I'm
• 1:20
  Ralph
• 1:21
  and
• 1:21
  it's
• 1:21
  great
• 1:21
  for
• 1:22
  you
• 1:22
  to
• 1:22
  be
• 1:22
  with
• 1:22
  me
• 1:22
  again
• 1:23
  today.
• 1:23
  This
• 1:23
  is
• 1:24
  the
• 1:24
  show
• 1:24
  that
• 1:24
  helps
• 1:24
  you
• 1:24
  answer
• 1:25
  that
• 1:25
  question.
• 1:26
  How
• 1:26
  can
• 1:26
  I
• 1:26
  become
• 1:27
  a
• 1:27
  financially
• 1:28
  confident
• 1:28
  Christian?
• 1:29
  And
• 1:29
  we're
• 1:29
  in
• 1:29
  day
• 1:30
  three
• 1:30
  of
• 1:30
  our
• 1:30
  new
• 1:30
  series,
• 1:31
  Breaking
• 1:31
  the
• 1:31
  Financial
• 1:32
  30
• 1:33
  Days
• 1:33
  to
• 1:33
  overcome
• 1:34
  your
• 1:34
  toughest
• 1:34
  money
• 1:35
  struggles.
• 1:36
  Now,
• 1:36
  yesterday
• 1:36
  we
• 1:36
  bravely
• 1:37
  tackled
• 1:37
  the
• 1:37
  fear
• 1:38
  of
• 1:38
  looking
• 1:38
  at
• 1:38
  your
• 1:38
  bank
• 1:39
  account
• 1:39
  and
• 1:39
  took
• 1:39
  that
• 1:40
  crucial
• 1:40
  first
• 1:40
  step
• 1:41
  to
• 1:41
  peek
• 1:41
  at
• 1:41
  your
• 1:41
  numbers.
• 1:42
  If
• 1:42
  you
• 1:42
  missed
• 1:42
  it,
• 1:43
  I'm
• 1:43
  going
• 1:43
  to
• 1:43
  encourage
• 1:43
  you
• 1:43
  to
• 1:43
  go
• 1:43
  check
• 1:44
  it
• 1:44
  out.
• 1:44
  You
• 1:44
  can
• 1:44
  find
• 1:44
  all
• 1:45
  of
• 1:45
  our
• 1:45
  episodes@financiallyconfidentchristian.com
• 1:48
  well,
• 1:49
  today
• 1:49
  we're
• 1:49
  going
• 1:49
  to
• 1:49
  build
• 1:49
  on
• 1:50
  that
• 1:50
  courage
• 1:50
  a
• 1:50
  little
• 1:50
  bit
• 1:51
  and
• 1:51
  we're
• 1:51
  going
• 1:51
  to
• 1:51
  confront
• 1:52
  a
• 1:52
  common
• 1:52
  struggle,
• 1:53
  the
• 1:54
  mysterious
• 1:54
  disappearance
• 1:55
  of
• 1:55
  your
• 1:56
  money.
• 1:56
  So
• 1:57
  today
• 1:57
  let's
• 1:57
  ask
• 1:57
  this
• 1:58
  question.
• 1:59
  Why
• 1:59
  does
• 1:59
  my
• 1:59
  money
• 1:59
  disappear
• 2:00
  so
• 2:00
  fast
• 2:01
  every
• 2:01
  month?
• 2:01
  Yeah,
• 2:01
  you're
• 2:02
  probably
• 2:02
  thinking,
• 2:02
  ralph,
• 2:03
  I
• 2:03
  know
• 2:03
  exactly
• 2:03
  how
• 2:03
  that
• 2:04
  feels.
• 2:05
  Maybe
• 2:05
  you
• 2:05
  know
• 2:05
  this
• 2:05
  feeling
• 2:06
  all
• 2:06
  too
• 2:06
  well.
• 2:06
  Even
• 2:07
  your
• 2:07
  paycheck
• 2:08
  hits.
• 2:08
  And
• 2:08
  for
• 2:09
  that
• 2:09
  little
• 2:09
  bit
• 2:09
  of
• 2:10
  time,
• 2:10
  money
• 2:10
  feels
• 2:10
  abundant
• 2:11
  and
• 2:11
  you
• 2:12
  can
• 2:12
  breathe
• 2:12
  a
• 2:12
  little
• 2:12
  easier.
• 2:14
  But
• 2:14
  then
• 2:14
  quickly,
• 2:15
  it
• 2:15
  just
• 2:15
  dwindles
• 2:16
  away.
• 2:16
  And
• 2:16
  then
• 2:16
  by
• 2:17
  the
• 2:17
  end
• 2:17
  of
• 2:17
  the
• 2:17
  month,
• 2:17
  you're
• 2:17
  scratching
• 2:18
  your
• 2:18
  head,
• 2:18
  you're
• 2:18
  wondering,
• 2:19
  where
• 2:19
  did
• 2:19
  it
• 2:19
  all
• 2:20
  go?
• 2:21
  This
• 2:21
  struggle
• 2:22
  is
• 2:22
  the
• 2:22
  lack
• 2:22
  of
• 2:22
  awareness
• 2:23
  about
• 2:23
  where
• 2:23
  your
• 2:23
  money
• 2:24
  is
• 2:24
  actually
• 2:24
  going.
• 2:25
  And
• 2:26
  it
• 2:26
  leads
• 2:26
  to
• 2:26
  financial
• 2:27
  confusion
• 2:28
  and
• 2:28
  persistent
• 2:29
  stress.
• 2:29
  It
• 2:29
  leaves
• 2:29
  you
• 2:30
  feeling
• 2:30
  powerless
• 2:30
  over
• 2:31
  your
• 2:31
  money,
• 2:32
  like
• 2:32
  it's
• 2:32
  a
• 2:32
  runaway
• 2:33
  teen
• 2:33
  that
• 2:33
  you
• 2:33
  just
• 2:34
  can't
• 2:34
  control.
• 2:35
  This
• 2:36
  burden
• 2:36
  of
• 2:36
  living
• 2:36
  with
• 2:37
  financial
• 2:37
  uncertainty
• 2:38
  prevents
• 2:38
  progress
• 2:38
  on
• 2:39
  your
• 2:39
  goals
• 2:39
  that
• 2:39
  you
• 2:39
  work
• 2:40
  so
• 2:40
  hard
• 2:40
  to
• 2:40
  get
• 2:40
  to.
• 2:41
  And
• 2:42
  if
• 2:42
  you're
• 2:42
  not
• 2:42
  careful,
• 2:43
  it
• 2:43
  causes
• 2:43
  a
• 2:43
  lot
• 2:43
  of
• 2:44
  anxiety
• 2:44
  as
• 2:45
  well.
• 2:46
  But
• 2:46
  here's
• 2:46
  the
• 2:46
  thing,
• 2:47
  and
• 2:47
  you
• 2:47
  gotta
• 2:47
  hear
• 2:48
  this
• 2:48
  today,
• 2:49
  money
• 2:49
  doesn't
• 2:49
  just
• 2:50
  disappear.
• 2:51
  There's
• 2:52
  no
• 2:52
  magic
• 2:52
  to
• 2:52
  this.
• 2:53
  It
• 2:53
  doesn't
• 2:53
  just
• 2:54
  disappear.
• 2:54
  It's
• 2:54
  spent.
• 2:55
  The
• 2:55
  problem
• 2:55
  is
• 2:55
  it's
• 2:56
  often
• 2:56
  spent
• 2:57
  unconsciously.
• 2:59
  See
• 2:59
  the
• 2:59
  lack
• 2:59
  of
• 2:59
  A
• 2:59
  clear
• 3:00
  plan
• 3:00
  or
• 3:00
  a
• 3:01
  budget
• 3:02
  is
• 3:02
  usually
• 3:02
  the
• 3:03
  culprit.
• 3:04
  But
• 3:04
  see,
• 3:04
  stewardship
• 3:05
  requires
• 3:05
  knowing
• 3:06
  where
• 3:06
  your
• 3:06
  resources
• 3:07
  are
• 3:07
  going.
• 3:07
  And
• 3:07
  this
• 3:07
  is
• 3:08
  a
• 3:08
  biblical
• 3:08
  principle.
• 3:09
  Let's
• 3:09
  look
• 3:09
  at
• 3:09
  the
• 3:09
  book
• 3:10
  of
• 3:10
  Proverbs,
• 3:10
  chapter
• 3:11
  21,
• 3:11
  verse
• 3:12
  5.
• 3:12
  It
• 3:12
  reminds
• 3:13
  us
• 3:13
  this.
• 3:13
  And
• 3:14
  I've
• 3:14
  used
• 3:14
  this
• 3:14
  on
• 3:14
  this
• 3:15
  show
• 3:15
  many
• 3:15
  times
• 3:15
  because
• 3:16
  this
• 3:16
  show
• 3:16
  is
• 3:16
  all
• 3:17
  about
• 3:17
  intentionality.
• 3:18
  And
• 3:18
  part
• 3:19
  of
• 3:19
  being
• 3:19
  intentional
• 3:20
  is
• 3:20
  to
• 3:20
  have
• 3:20
  a
• 3:20
  plan.
• 3:20
  But
• 3:21
  this
• 3:21
  is
• 3:21
  what
• 3:21
  Proverbs
• 3:22
  21:5
• 3:23
  says.
• 3:24
  It
• 3:24
  says
• 3:24
  the
• 3:24
  plans
• 3:25
  of
• 3:25
  the
• 3:25
  diligent
• 3:25
  lead
• 3:26
  to
• 3:26
  profit
• 3:27
  as
• 3:27
  surely
• 3:27
  as
• 3:28
  haste
• 3:28
  leads
• 3:29
  to
• 3:29
  poverty.
• 3:31
  See,
• 3:31
  gaining
• 3:31
  clarity
• 3:32
  through
• 3:32
  understanding
• 3:33
  your
• 3:33
  money's
• 3:33
  flow
• 3:33
  is
• 3:33
  an
• 3:34
  act
• 3:34
  of
• 3:34
  wise
• 3:34
  stewardship.
• 3:36
  And
• 3:36
  if
• 3:36
  you
• 3:36
  do
• 3:36
  it
• 3:36
  right,
• 3:37
  it'll
• 3:37
  replace
• 3:38
  that
• 3:38
  chaos
• 3:38
  with
• 3:38
  order.
• 3:39
  And
• 3:39
  it
• 3:40
  empowers
• 3:40
  you
• 3:40
  to
• 3:40
  make
• 3:41
  intentional
• 3:41
  spending
• 3:42
  choices.
• 3:43
  And
• 3:43
  that's
• 3:43
  what
• 3:43
  we
• 3:43
  all
• 3:43
  want
• 3:44
  to
• 3:44
  do.
• 3:45
  So
• 3:45
  now
• 3:45
  you're
• 3:46
  asking,
• 3:46
  Ralph,
• 3:46
  how
• 3:46
  do
• 3:46
  you
• 3:47
  stop
• 3:47
  your
• 3:47
  money
• 3:47
  from
• 3:47
  disappearing
• 3:48
  and
• 3:48
  actually
• 3:49
  gain
• 3:49
  that
• 3:49
  clarity
• 3:50
  over
• 3:50
  its
• 3:50
  flow?
• 3:51
  Well,
• 3:51
  you
• 3:51
  know,
• 3:51
  I've
• 3:52
  got
• 3:52
  an
• 3:52
  answer
• 3:52
  for
• 3:52
  you.
• 3:53
  And
• 3:53
  the
• 3:53
  single
• 3:54
  most
• 3:54
  crucial
• 3:54
  solution
• 3:55
  is
• 3:55
  to
• 3:56
  create
• 3:56
  a
• 3:56
  simple,
• 3:56
  crystal
• 3:57
  clear
• 3:57
  snapshot
• 3:58
  of
• 3:58
  your
• 3:58
  monthly
• 3:59
  income
• 3:59
  and
• 3:59
  your
• 4:00
  essential
• 4:00
  expenses.
• 4:01
  This
• 4:02
  is
• 4:02
  your
• 4:02
  first
• 4:02
  step
• 4:02
  towards
• 4:03
  truly
• 4:03
  understanding
• 4:04
  where
• 4:04
  your
• 4:04
  money
• 4:04
  goes
• 4:05
  and
• 4:05
  taking
• 4:06
  back
• 4:06
  control.
• 4:06
  Hey,
• 4:07
  we
• 4:07
  all
• 4:07
  want
• 4:07
  to
• 4:07
  take
• 4:07
  back
• 4:07
  control,
• 4:08
  don't
• 4:08
  we?
• 4:09
  So
• 4:09
  here's
• 4:09
  your
• 4:10
  one
• 4:10
  vital
• 4:10
  action
• 4:11
  step
• 4:11
  for
• 4:11
  today,
• 4:11
  specifically
• 4:12
  designed
• 4:13
  to
• 4:13
  help
• 4:13
  you
• 4:13
  understand
• 4:13
  where
• 4:14
  your
• 4:14
  money
• 4:14
  goes.
• 4:15
  The
• 4:15
  first
• 4:16
  thing
• 4:16
  I've
• 4:16
  got
• 4:16
  to
• 4:16
  get
• 4:17
  you
• 4:17
  to
• 4:17
  do
• 4:17
  is,
• 4:17
  is
• 4:18
  to
• 4:18
  gather
• 4:18
  your
• 4:18
  income
• 4:19
  information.
• 4:19
  You
• 4:19
  know,
• 4:20
  list
• 4:20
  all
• 4:20
  of
• 4:20
  your
• 4:21
  sources
• 4:21
  of
• 4:21
  income,
• 4:22
  write
• 4:22
  down
• 4:22
  their
• 4:22
  exact
• 4:23
  amounts.
• 4:23
  Now
• 4:24
  I'm
• 4:24
  going
• 4:24
  to
• 4:24
  encourage
• 4:24
  you
• 4:24
  to
• 4:25
  do
• 4:25
  that
• 4:25
  in
• 4:25
  after
• 4:25
  tax
• 4:26
  dollars
• 4:26
  because
• 4:26
  that's
• 4:27
  your
• 4:27
  actual
• 4:27
  take
• 4:27
  home
• 4:28
  pay.
• 4:28
  But
• 4:29
  get
• 4:29
  your
• 4:29
  monthly
• 4:30
  income
• 4:30
  on
• 4:31
  a
• 4:31
  piece
• 4:31
  of
• 4:31
  paper
• 4:31
  and
• 4:32
  start
• 4:32
  there.
• 4:32
  So
• 4:33
  that's
• 4:33
  the
• 4:33
  first
• 4:33
  step.
• 4:34
  Gather
• 4:34
  your
• 4:34
  monthly
• 4:35
  income.
• 4:36
  Second
• 4:36
  step,
• 4:37
  list
• 4:37
  your
• 4:37
  recurring
• 4:38
  expenses.
• 4:38
  Just
• 4:39
  jot
• 4:39
  down
• 4:39
  all
• 4:39
  of
• 4:40
  your
• 4:40
  fixed
• 4:40
  recurring
• 4:41
  monthly
• 4:41
  bills.
• 4:42
  For
• 4:42
  example,
• 4:42
  that
• 4:43
  would
• 4:43
  be
• 4:43
  your
• 4:43
  rent,
• 4:44
  your
• 4:44
  mortgage,
• 4:44
  maybe
• 4:45
  you've
• 4:45
  got
• 4:45
  some
• 4:45
  loan
• 4:46
  payments
• 4:46
  or
• 4:46
  car
• 4:46
  payments,
• 4:47
  insurance
• 4:48
  premiums,
• 4:48
  any
• 4:49
  essential
• 4:49
  subscription.
• 4:50
  Just
• 4:50
  write
• 4:51
  all
• 4:51
  of
• 4:51
  those
• 4:52
  recurring
• 4:53
  routine
• 4:53
  fixed
• 4:54
  costs
• 4:54
  down.
• 4:54
  That's
• 4:55
  your
• 4:55
  second
• 4:55
  step.
• 4:56
  Now
• 4:56
  your
• 4:57
  third
• 4:57
  step
• 4:57
  is
• 4:58
  to
• 4:58
  estimate
• 4:58
  some
• 4:59
  realistic
• 4:59
  amounts
• 5:00
  for
• 5:00
  your
• 5:00
  flexible
• 5:01
  spending
• 5:01
  categories.
• 5:02
  These
• 5:02
  are
• 5:02
  things.
• 5:03
  Now
• 5:03
  listen,
• 5:03
  it
• 5:03
  may
• 5:04
  not
• 5:04
  feel
• 5:04
  too
• 5:04
  flexible
• 5:05
  sometimes,
• 5:05
  especially
• 5:05
  with
• 5:06
  the
• 5:06
  cost
• 5:06
  of
• 5:06
  groceries
• 5:07
  right
• 5:07
  now,
• 5:07
  but
• 5:07
  examples
• 5:08
  of
• 5:08
  these
• 5:08
  are
• 5:09
  groceries,
• 5:10
  maybe
• 5:10
  gas
• 5:10
  or
• 5:11
  transportation
• 5:11
  cost,
• 5:12
  hey,
• 5:12
  dining
• 5:13
  out,
• 5:13
  personal
• 5:14
  care.
• 5:14
  But
• 5:15
  this
• 5:15
  is
• 5:15
  the
• 5:15
  time
• 5:15
  where
• 5:15
  you've
• 5:16
  got
• 5:16
  to
• 5:16
  be
• 5:16
  honest.
• 5:16
  You
• 5:16
  don't
• 5:17
  want
• 5:17
  to
• 5:17
  aim
• 5:17
  for
• 5:18
  perfection,
• 5:18
  but
• 5:19
  just
• 5:19
  get
• 5:19
  a
• 5:19
  good
• 5:19
  estimate.
• 5:20
  So
• 5:20
  that's
• 5:21
  the
• 5:21
  third
• 5:21
  step.
• 5:21
  Estimate
• 5:22
  your
• 5:22
  variable
• 5:22
  expenses.
• 5:23
  And
• 5:23
  then
• 5:24
  finally,
• 5:24
  here's
• 5:24
  the
• 5:24
  big
• 5:25
  takeaway.
• 5:25
  This
• 5:25
  is
• 5:26
  the
• 5:26
  no
• 5:26
  Judgment
• 5:26
  zone,
• 5:27
  by
• 5:27
  the
• 5:27
  way,
• 5:27
  I
• 5:27
  want
• 5:27
  you
• 5:28
  to
• 5:28
  calculate
• 5:28
  the
• 5:28
  gap
• 5:29
  or
• 5:29
  what
• 5:29
  I've
• 5:29
  called
• 5:29
  on
• 5:29
  the
• 5:30
  show,
• 5:30
  the
• 5:30
  margin,
• 5:30
  and
• 5:31
  then
• 5:31
  briefly
• 5:31
  compare
• 5:32
  your
• 5:32
  total
• 5:32
  monthly
• 5:33
  income
• 5:33
  that's
• 5:33
  at
• 5:33
  the
• 5:33
  top
• 5:34
  to
• 5:34
  your
• 5:34
  total
• 5:35
  estimated
• 5:35
  expenses
• 5:36
  and
• 5:37
  ask
• 5:37
  yourself
• 5:37
  a
• 5:37
  real
• 5:38
  simple
• 5:38
  question.
• 5:39
  Is
• 5:39
  there
• 5:39
  a
• 5:39
  surplus?
• 5:40
  Hey,
• 5:40
  that's
• 5:41
  good.
• 5:41
  You're
• 5:41
  not
• 5:41
  spending
• 5:42
  as
• 5:42
  much
• 5:43
  as
• 5:43
  you're
• 5:43
  bringing
• 5:44
  in.
• 5:44
  But
• 5:44
  if
• 5:44
  there's
• 5:44
  a
• 5:45
  deficit,
• 5:46
  that's
• 5:46
  a
• 5:46
  problem.
• 5:47
  But
• 5:48
  at
• 5:48
  this
• 5:48
  point,
• 5:48
  I
• 5:48
  just
• 5:48
  want
• 5:48
  you
• 5:49
  to
• 5:49
  see
• 5:49
  the
• 5:49
  numbers.
• 5:49
  I
• 5:49
  don't
• 5:49
  want
• 5:50
  you
• 5:50
  to
• 5:50
  judge
• 5:50
  yourself.
• 5:51
  Just
• 5:51
  have
• 5:51
  some
• 5:52
  data
• 5:52
  for
• 5:53
  awareness.
• 5:53
  That's
• 5:53
  where
• 5:53
  we're
• 5:54
  going
• 5:54
  to
• 5:54
  start
• 5:54
  today.
• 5:55
  And
• 5:56
  you
• 5:56
  might
• 5:56
  be
• 5:56
  saying,
• 5:56
  ralph,
• 5:56
  okay,
• 5:57
  I
• 5:57
  get
• 5:57
  it.
• 5:57
  But
• 5:57
  why
• 5:58
  does
• 5:58
  this
• 5:58
  help?
• 5:59
  Well,
• 5:59
  see,
• 5:59
  I
• 6:00
  truly
• 6:00
  believe
• 6:00
  that
• 6:01
  this
• 6:01
  single
• 6:01
  action
• 6:02
  will
• 6:02
  directly
• 6:02
  fight
• 6:03
  that
• 6:03
  struggle
• 6:03
  of
• 6:03
  money.
• 6:04
  Now
• 6:04
  you
• 6:04
  might
• 6:04
  be
• 6:04
  saying,
• 6:05
  ralph,
• 6:05
  how
• 6:06
  does
• 6:06
  this
• 6:06
  even
• 6:06
  help?
• 6:07
  I
• 6:07
  truly
• 6:08
  believe
• 6:08
  that
• 6:08
  this
• 6:08
  single
• 6:09
  action
• 6:09
  is
• 6:10
  going
• 6:10
  to
• 6:10
  directly
• 6:10
  fight
• 6:10
  that
• 6:11
  struggle
• 6:11
  of
• 6:12
  money
• 6:12
  vanishing
• 6:13
  and
• 6:13
  that
• 6:13
  struggle
• 6:14
  of
• 6:14
  you
• 6:14
  feeling
• 6:15
  powerless.
• 6:16
  It's
• 6:16
  going
• 6:16
  to
• 6:16
  replace
• 6:17
  that
• 6:17
  confusion
• 6:17
  with
• 6:18
  concrete
• 6:18
  understanding.
• 6:19
  And
• 6:19
  that's
• 6:20
  the
• 6:20
  first
• 6:20
  step
• 6:20
  towards
• 6:21
  creating
• 6:21
  a
• 6:21
  purposeful
• 6:22
  budget.
• 6:22
  Hey,
• 6:22
  when
• 6:22
  we
• 6:23
  do
• 6:23
  a
• 6:23
  budget,
• 6:23
  we
• 6:23
  want
• 6:24
  to
• 6:24
  be
• 6:24
  purposeful
• 6:24
  about
• 6:25
  it.
• 6:25
  And
• 6:25
  it
• 6:25
  empowers
• 6:26
  intentional
• 6:27
  spending
• 6:27
  which
• 6:28
  will
• 6:28
  in
• 6:28
  the
• 6:28
  end
• 6:29
  reduce
• 6:29
  your
• 6:30
  financial
• 6:30
  stress.
• 6:31
  How
• 6:31
  about
• 6:31
  we
• 6:32
  pray
• 6:32
  together
• 6:32
  now?
• 6:33
  Father
• 6:33
  God,
• 6:33
  we
• 6:34
  just
• 6:34
  thank
• 6:34
  you
• 6:34
  for
• 6:35
  the
• 6:35
  resources
• 6:35
  you
• 6:36
  provide
• 6:36
  us
• 6:36
  and
• 6:37
  calling
• 6:37
  us
• 6:37
  to
• 6:37
  be
• 6:37
  wise
• 6:38
  stewards.
• 6:39
  And
• 6:39
  we
• 6:39
  confess
• 6:40
  that
• 6:40
  our
• 6:40
  money
• 6:40
  often
• 6:41
  feels
• 6:41
  like
• 6:41
  it
• 6:41
  disappears,
• 6:42
  Lord,
• 6:42
  leaving
• 6:43
  us
• 6:43
  confused
• 6:43
  and
• 6:44
  leaving
• 6:44
  us
• 6:44
  stressed
• 6:45
  and
• 6:45
  leaving
• 6:45
  us
• 6:45
  with
• 6:46
  a
• 6:46
  high
• 6:46
  level
• 6:46
  anxiety.
• 6:48
  So
• 6:48
  we
• 6:48
  just
• 6:48
  ask
• 6:48
  that
• 6:49
  you
• 6:49
  would
• 6:49
  grant
• 6:49
  us
• 6:49
  clarity,
• 6:50
  Lord,
• 6:50
  and
• 6:50
  wisdom
• 6:51
  to
• 6:51
  truly
• 6:51
  understand
• 6:52
  our
• 6:52
  financial
• 6:53
  flow.
• 6:54
  Help
• 6:54
  us
• 6:54
  to
• 6:54
  be
• 6:54
  diligent
• 6:55
  in
• 6:55
  planning
• 6:56
  and
• 6:56
  managing
• 6:56
  our
• 6:57
  resources,
• 6:57
  Lord,
• 6:58
  and
• 6:58
  may
• 6:58
  our
• 6:58
  finances
• 6:59
  be
• 6:59
  ordered
• 6:59
  for
• 6:59
  your
• 7:00
  glory
• 7:00
  and
• 7:01
  and
• 7:01
  bring
• 7:01
  us
• 7:01
  greater
• 7:02
  peace.
• 7:02
  And
• 7:02
  we
• 7:03
  ask
• 7:03
  this
• 7:03
  in
• 7:03
  confidence.
• 7:04
  In
• 7:05
  Jesus
• 7:05
  name,
• 7:06
  Amen.
• 7:07
  Listen,
• 7:09
  understanding
• 7:09
  where
• 7:09
  your
• 7:10
  money
• 7:10
  goes
• 7:10
  is
• 7:10
  the
• 7:11
  first
• 7:11
  step
• 7:11
  to
• 7:11
  taking
• 7:12
  control
• 7:12
  of
• 7:13
  your
• 7:13
  money.
• 7:14
  So
• 7:14
  I'm
• 7:15
  going
• 7:15
  to
• 7:15
  encourage
• 7:15
  you
• 7:15
  right
• 7:15
  now,
• 7:16
  take
• 7:16
  that
• 7:16
  step
• 7:16
  today
• 7:17
  to
• 7:17
  create
• 7:17
  your
• 7:17
  simple
• 7:18
  financial
• 7:18
  snapshot.
• 7:19
  This
• 7:19
  is
• 7:19
  not
• 7:20
  a
• 7:20
  full
• 7:20
  blown
• 7:20
  budget,
• 7:21
  it's
• 7:21
  just
• 7:21
  a
• 7:22
  simple
• 7:22
  financial
• 7:23
  snapshot.
• 7:24
  Because
• 7:24
  I
• 7:24
  got
• 7:24
  news
• 7:24
  for
• 7:25
  you.
• 7:25
  You're
• 7:26
  moving
• 7:26
  towards
• 7:27
  true
• 7:27
  freedom.
• 7:28
  And
• 7:28
  right
• 7:29
  now
• 7:29
  I'm
• 7:29
  going
• 7:29
  to
• 7:29
  ask
• 7:29
  you
• 7:29
  if
• 7:29
  this
• 7:30
  episode
• 7:30
  has
• 7:30
  resonated
• 7:31
  with
• 7:31
  you
• 7:31
  or
• 7:32
  if
• 7:32
  you're
• 7:32
  getting
• 7:32
  value
• 7:33
  from
• 7:33
  the
• 7:33
  show.
• 7:33
  I
• 7:34
  would
• 7:34
  really
• 7:34
  appreciate
• 7:35
  it
• 7:35
  if
• 7:35
  you
• 7:35
  would
• 7:35
  consider
• 7:36
  sharing
• 7:36
  it
• 7:36
  with
• 7:36
  someone
• 7:37
  who
• 7:37
  might
• 7:37
  need
• 7:37
  to
• 7:38
  hear
• 7:38
  it.
• 7:38
  There
• 7:38
  are
• 7:39
  so
• 7:39
  many
• 7:39
  people
• 7:40
  out
• 7:40
  there
• 7:40
  who
• 7:40
  are
• 7:40
  struggling
• 7:41
  with
• 7:41
  their
• 7:41
  finances
• 7:42
  who
• 7:42
  feel
• 7:43
  the
• 7:43
  same
• 7:43
  as
• 7:43
  you
• 7:43
  do.
• 7:44
  And
• 7:44
  you
• 7:45
  may
• 7:45
  be
• 7:45
  able
• 7:45
  to
• 7:45
  share
• 7:45
  this
• 7:46
  show
• 7:46
  with
• 7:46
  them
• 7:46
  and
• 7:47
  that'll
• 7:47
  give
• 7:47
  them
• 7:48
  a
• 7:48
  benefit
• 7:48
  to
• 7:49
  understanding
• 7:49
  how
• 7:50
  to
• 7:50
  finally
• 7:50
  break
• 7:51
  that
• 7:51
  cycle
• 7:52
  of
• 7:52
  financial
• 7:52
  shame
• 7:53
  and
• 7:54
  work
• 7:54
  to
• 7:54
  a
• 7:54
  place
• 7:54
  of
• 7:55
  confidence.
• 7:56
  The
• 7:56
  easiest
• 7:56
  thing
• 7:57
  to
• 7:57
  do
• 7:57
  is
• 7:57
  you
• 7:57
  can
• 7:57
  send
• 7:57
  them
• 7:58
  a
• 7:58
  link
• 7:58
  to
• 7:58
  our
• 7:58
  show.
• 7:58
  It's@financiallyconfidentchristian.com
• 8:00
  Again,
• 8:02
  that's
• 8:02
  financiallyconfidentchristian.com
• 8:05
  and
• 8:05
  listen,
• 8:05
  hey,
• 8:05
  I've
• 8:06
  got
• 8:06
  a
• 8:06
  special
• 8:06
  gift
• 8:06
  for
• 8:06
  you
• 8:07
  today
• 8:07
  as
• 8:07
  well.
• 8:07
  I
• 8:07
  want
• 8:08
  to
• 8:08
  give
• 8:08
  you
• 8:08
  a
• 8:08
  free
• 8:08
  copy
• 8:08
  of
• 8:09
  my
• 8:09
  latest
• 8:09
  book.
• 8:09
  Now,
• 8:09
  my
• 8:10
  latest
• 8:10
  book
• 8:10
  is
• 8:11
  called
• 8:11
  how
• 8:11
  to
• 8:11
  Become
• 8:12
  a
• 8:12
  Financially
• 8:13
  Confident
• 8:13
  Christian.
• 8:14
  I
• 8:14
  want
• 8:14
  to
• 8:14
  give
• 8:14
  you
• 8:15
  a
• 8:15
  copy
• 8:15
  of
• 8:15
  that
• 8:15
  just
• 8:15
  by
• 8:16
  going
• 8:16
  to
• 8:16
  financiallyconfidentchristian.com/becoming.
• 8:20
  I
• 8:20
  want
• 8:21
  you
• 8:21
  to
• 8:21
  break
• 8:21
  that
• 8:21
  cycle
• 8:22
  of
• 8:22
  financial
• 8:22
  shame
• 8:23
  and
• 8:23
  step
• 8:24
  into
• 8:24
  confidence.
• 8:24
  Now
• 8:25
  here's
• 8:25
  a
• 8:25
  little
• 8:25
  sneak
• 8:26
  peek
• 8:26
  of
• 8:26
  tomorrow.
• 8:27
  Tomorrow
• 8:27
  we're
• 8:27
  going
• 8:27
  to
• 8:27
  be
• 8:27
  tackling
• 8:28
  a
• 8:28
  big
• 8:28
  perception.
• 8:29
  We
• 8:29
  talked
• 8:29
  about
• 8:29
  budgeting
• 8:30
  today.
• 8:31
  Tomorrow
• 8:31
  we're
• 8:32
  really
• 8:32
  going
• 8:32
  to
• 8:32
  address
• 8:32
  this.
• 8:33
  Is
• 8:34
  budgeting
• 8:34
  really
• 8:35
  just
• 8:35
  about
• 8:35
  restriction
• 8:36
  and
• 8:36
  deprivation?
• 8:37
  So
• 8:38
  many
• 8:38
  people,
• 8:38
  as
• 8:38
  soon
• 8:39
  as
• 8:39
  I
• 8:39
  use
• 8:39
  the
• 8:39
  word
• 8:40
  budget,
• 8:40
  they
• 8:40
  go,
• 8:40
  oh
• 8:40
  boy,
• 8:40
  Ralph's
• 8:41
  talking
• 8:41
  about
• 8:41
  restriction.
• 8:42
  Or
• 8:43
  here's
• 8:43
  what
• 8:43
  we're
• 8:43
  going
• 8:43
  to
• 8:44
  talk
• 8:44
  about
• 8:44
  tomorrow.
• 8:44
  Or
• 8:45
  can
• 8:45
  it
• 8:45
  be
• 8:45
  a
• 8:46
  powerful
• 8:46
  tool
• 8:46
  for
• 8:47
  your
• 8:47
  financial
• 8:47
  freedom?
• 8:48
  That's
• 8:48
  a
• 8:48
  show
• 8:48
  you
• 8:48
  don't
• 8:49
  want
• 8:49
  to
• 8:49
  miss.
• 8:49
  So
• 8:50
  make
• 8:50
  sure
• 8:50
  you
• 8:50
  join
• 8:50
  me
• 8:51
  tomorrow.
• 8:52
  Now
• 8:52
  here's
• 8:52
  my
• 8:52
  charge
• 8:53
  for
• 8:53
  you
• 8:53
  today.
• 8:53
  Let's
• 8:54
  all
• 8:54
  go
• 8:54
  out
• 8:54
  there
• 8:54
  and
• 8:55
  be
• 8:55
  Financially
• 8:56
  Confident
• 8:56
  Christians.
• 8:57
  You
• 8:57
  can
• 8:58
  do
• 8:58
  this.
• 8:58
  I
• 8:59
  have
• 8:59
  confidence
• 8:59
  in
• 9:00
  you.
• 9:00
  Have
• 9:00
  confidence
• 9:00
  in
• 9:01
  yourself.
• 9:01
  Stay
• 9:02
  financially
• 9:02
  savvy.
• 9:03
  God
• 9:03
  bless
• 9:03
  you.
• 9:03
  And
• 9:04
  you
• 9:04
  have
• 9:04
  a
• 9:04
  great
• 9:04
  day
• 9:04
  today.