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What are some creative gifts for the Holidays? · Becoming Financially Confident

• 0:37
  Now
• 0:37
  here's
• 0:38
  a
• 0:38
  great
• 0:38
  listener
• 0:38
  question.
• 0:39
  Ralph,
• 0:39
  I
• 0:39
  love
• 0:40
  giving
• 0:40
  gifts,
• 0:41
  but
• 0:41
  it
• 0:41
  feels
• 0:41
  like
• 0:41
  everything
• 0:42
  is
• 0:42
  so
• 0:42
  expensive
• 0:43
  now.
• 0:43
  How
• 0:44
  can
• 0:44
  I
• 0:44
  still
• 0:44
  be
• 0:44
  generous
• 0:45
  without
• 0:45
  spending
• 0:46
  a
• 0:46
  ton
• 0:46
  of
• 0:46
  money?
• 0:47
  Yeah,
• 0:47
  let
• 0:47
  me
• 0:47
  tell
• 0:47
  you
• 0:47
  right
• 0:48
  now,
• 0:48
  it's
• 0:48
  about
• 0:48
  that
• 0:49
  time,
• 0:49
  isn't
• 0:49
  it?
• 0:50
  I
• 0:50
  don't
• 0:50
  know
• 0:50
  about
• 0:50
  you,
• 0:50
  but
• 0:51
  everything
• 0:51
  is
• 0:51
  expensive
• 0:52
  now.
• 0:53
  Which
• 0:53
  leads
• 0:53
  me
• 0:53
  to
• 0:54
  ask
• 0:54
  you
• 0:54
  a
• 0:54
  question.
• 0:55
  Do
• 0:56
  gifts
• 0:56
  have
• 0:56
  to
• 0:56
  be
• 0:56
  expensive
• 0:57
  to
• 0:57
  matter?
• 0:58
  Really?
• 0:58
  Do
• 0:58
  you
• 0:58
  think
• 0:58
  they
• 0:59
  have
• 0:59
  to
• 0:59
  be
• 0:59
  expensive
• 1:00
  to
• 1:00
  matter?
• 1:01
  I
• 1:01
  thought
• 1:01
  about
• 1:01
  that
• 1:02
  myself
• 1:02
  and
• 1:02
  I
• 1:02
  think
• 1:02
  the
• 1:02
  truth
• 1:03
  is
• 1:03
  most
• 1:03
  meaningful
• 1:04
  gifts
• 1:05
  often
• 1:05
  come
• 1:05
  from
• 1:05
  the
• 1:06
  heart,
• 1:06
  not
• 1:06
  the
• 1:06
  mall.
• 1:06
  And
• 1:07
  that's
• 1:07
  what
• 1:07
  I'm
• 1:07
  going
• 1:07
  to
• 1:07
  talk
• 1:07
  about
• 1:08
  on
• 1:08
  today's
• 1:08
  show.
• 1:10
  This
• 1:11
  is
• 1:11
  Financially
• 1:11
  Confident
• 1:12
  Christian,
• 1:13
  your
• 1:13
  daily
• 1:13
  dose
• 1:14
  of
• 1:14
  gospel,
• 1:14
  grounded
• 1:15
  insight
• 1:15
  and
• 1:15
  faith
• 1:16
  driven
• 1:16
  tips
• 1:16
  to
• 1:17
  help
• 1:17
  you
• 1:17
  break
• 1:17
  the
• 1:17
  cycle
• 1:18
  of
• 1:18
  financial
• 1:18
  shame
• 1:19
  with
• 1:19
  confidence.
• 1:22
  Welcome
• 1:23
  to
• 1:23
  the
• 1:23
  show.
• 1:23
  I'm
• 1:23
  Ralph.
• 1:24
  And
• 1:24
  this
• 1:24
  is
• 1:24
  your
• 1:24
  daily
• 1:25
  episode
• 1:25
  of
• 1:25
  helping
• 1:26
  you
• 1:26
  break
• 1:26
  the
• 1:26
  cycle
• 1:27
  of
• 1:27
  financial
• 1:27
  shame
• 1:28
  with
• 1:28
  confidence.
• 1:29
  It's
• 1:29
  the
• 1:29
  whole
• 1:29
  reason
• 1:29
  I
• 1:29
  do
• 1:29
  this
• 1:30
  show
• 1:30
  and
• 1:30
  we're
• 1:31
  enjoying
• 1:31
  this
• 1:31
  30
• 1:32
  days,
• 1:32
  praying
• 1:32
  for
• 1:33
  the
• 1:33
  holidays
• 1:33
  and
• 1:34
  trying
• 1:34
  to
• 1:34
  do
• 1:34
  it
• 1:34
  without
• 1:34
  going
• 1:35
  into
• 1:35
  debt.
• 1:35
  And
• 1:36
  today
• 1:36
  I
• 1:36
  thought
• 1:36
  I'd
• 1:36
  share
• 1:37
  a
• 1:37
  story.
• 1:37
  Now
• 1:37
  I
• 1:38
  remember
• 1:38
  this
• 1:38
  like
• 1:38
  it
• 1:39
  was
• 1:39
  Yesterday,
• 1:39
  probably
• 1:40
  was
• 1:40
  15
• 1:40
  years
• 1:41
  ago.
• 1:41
  It
• 1:41
  was
• 1:41
  Christmas,
• 1:42
  and
• 1:42
  I'll
• 1:43
  never
• 1:43
  forget
• 1:43
  Christmas
• 1:44
  morning.
• 1:44
  My
• 1:44
  wife
• 1:44
  had
• 1:45
  wrapped
• 1:45
  up
• 1:45
  these
• 1:45
  interesting
• 1:46
  gifts
• 1:46
  and
• 1:46
  I
• 1:46
  didn't
• 1:47
  know
• 1:47
  exactly
• 1:47
  what
• 1:47
  it
• 1:47
  was,
• 1:47
  but
• 1:48
  they
• 1:48
  were
• 1:48
  all
• 1:48
  in
• 1:48
  square
• 1:49
  boxes.
• 1:49
  We
• 1:50
  got
• 1:50
  together,
• 1:50
  we
• 1:50
  were
• 1:50
  going
• 1:51
  to
• 1:51
  open
• 1:51
  gifts
• 1:51
  and
• 1:51
  she
• 1:51
  had
• 1:52
  one
• 1:52
  for
• 1:52
  me,
• 1:52
  she
• 1:53
  had
• 1:53
  one
• 1:53
  for
• 1:53
  my
• 1:53
  youngest
• 1:54
  son
• 1:54
  and
• 1:54
  for
• 1:54
  my
• 1:55
  oldest
• 1:55
  son.
• 1:55
  And
• 1:56
  she
• 1:56
  says,
• 1:56
  I
• 1:56
  am
• 1:56
  really
• 1:56
  excited
• 1:57
  for
• 1:57
  you
• 1:57
  to
• 1:57
  open
• 1:57
  up
• 1:57
  these
• 1:58
  gifts.
• 1:58
  And
• 1:59
  I
• 1:59
  got
• 1:59
  to
• 1:59
  be
• 1:59
  honest
• 1:59
  with
• 1:59
  you,
• 1:59
  I
• 2:00
  had
• 2:00
  no
• 2:00
  idea
• 2:00
  what
• 2:00
  was
• 2:01
  in
• 2:01
  this,
• 2:01
  in
• 2:01
  this
• 2:02
  box.
• 2:02
  I
• 2:02
  know
• 2:02
  it
• 2:02
  wasn't
• 2:02
  a
• 2:03
  pet
• 2:03
  because
• 2:03
  it
• 2:03
  didn't
• 2:03
  have
• 2:04
  holes
• 2:04
  for
• 2:04
  it
• 2:04
  to
• 2:04
  breathe.
• 2:05
  Right.
• 2:05
  But
• 2:06
  the
• 2:06
  dog
• 2:06
  was
• 2:06
  running
• 2:06
  around
• 2:07
  the
• 2:07
  house
• 2:07
  already
• 2:07
  anyway,
• 2:08
  but
• 2:08
  anyway,
• 2:08
  so
• 2:09
  she
• 2:09
  said,
• 2:09
  ralph,
• 2:09
  I
• 2:10
  want
• 2:10
  you
• 2:10
  to
• 2:10
  open
• 2:10
  yours
• 2:10
  first.
• 2:11
  And
• 2:11
  of
• 2:11
  course
• 2:11
  the
• 2:12
  kids,
• 2:12
  they
• 2:12
  had
• 2:12
  their
• 2:12
  pile
• 2:13
  of
• 2:13
  toys
• 2:13
  to
• 2:13
  open
• 2:13
  up.
• 2:14
  I'm
• 2:14
  just
• 2:14
  painting
• 2:14
  a
• 2:14
  picture
• 2:14
  for
• 2:15
  you.
• 2:15
  But
• 2:15
  they
• 2:15
  had
• 2:15
  their
• 2:15
  toys
• 2:16
  to
• 2:16
  open
• 2:16
  up.
• 2:16
  So
• 2:16
  we
• 2:16
  let
• 2:16
  them
• 2:16
  get
• 2:17
  through
• 2:17
  that.
• 2:17
  And
• 2:18
  then
• 2:18
  we
• 2:18
  got
• 2:18
  to
• 2:18
  the
• 2:18
  end
• 2:18
  and
• 2:18
  there
• 2:19
  was
• 2:19
  these
• 2:19
  three
• 2:19
  boxes
• 2:20
  left.
• 2:20
  And
• 2:20
  she
• 2:20
  said,
• 2:21
  ralph,
• 2:21
  I
• 2:21
  want
• 2:21
  you
• 2:21
  to
• 2:21
  open
• 2:21
  up
• 2:22
  yours
• 2:22
  first.
• 2:23
  And
• 2:23
  I
• 2:23
  opened
• 2:23
  up
• 2:23
  the
• 2:24
  box
• 2:24
  and
• 2:24
  it
• 2:24
  was
• 2:25
  wrapped
• 2:25
  in
• 2:25
  nice
• 2:25
  paper,
• 2:26
  you
• 2:26
  know
• 2:26
  that
• 2:26
  linen
• 2:27
  paper
• 2:27
  that
• 2:27
  kind
• 2:28
  of
• 2:28
  crumbles
• 2:28
  when
• 2:28
  you
• 2:29
  touch
• 2:29
  it.
• 2:29
  And
• 2:30
  I
• 2:30
  see
• 2:30
  on
• 2:30
  the
• 2:30
  front
• 2:30
  of
• 2:30
  it's
• 2:31
  a
• 2:31
  picture
• 2:31
  of
• 2:31
  her
• 2:31
  and
• 2:31
  I.
• 2:32
  And
• 2:32
  this
• 2:33
  was
• 2:33
  a,
• 2:33
  I'm
• 2:34
  talking,
• 2:34
  this
• 2:34
  is
• 2:34
  a
• 2:34
  beautiful
• 2:35
  wood
• 2:35
  box,
• 2:35
  all
• 2:36
  black,
• 2:36
  had
• 2:36
  a
• 2:37
  nice
• 2:37
  gold
• 2:37
  trim
• 2:38
  around
• 2:38
  a
• 2:38
  picture
• 2:38
  on
• 2:38
  the
• 2:39
  front
• 2:39
  of
• 2:39
  It.
• 2:40
  And
• 2:40
  I
• 2:40
  said,
• 2:40
  what
• 2:40
  is
• 2:40
  this?
• 2:41
  And
• 2:41
  she
• 2:41
  goes,
• 2:41
  oh,
• 2:41
  you
• 2:41
  got
• 2:41
  to
• 2:41
  open
• 2:42
  it
• 2:42
  up.
• 2:42
  So
• 2:43
  I
• 2:43
  opened
• 2:43
  it
• 2:43
  up,
• 2:43
  and
• 2:44
  as
• 2:44
  soon
• 2:44
  as
• 2:44
  I
• 2:44
  opened
• 2:44
  up,
• 2:45
  I
• 2:45
  almost
• 2:45
  burst
• 2:45
  into
• 2:46
  tears.
• 2:46
  It
• 2:46
  was
• 2:46
  this
• 2:46
  letter
• 2:47
  from
• 2:47
  her,
• 2:48
  and
• 2:48
  it
• 2:48
  was
• 2:48
  all
• 2:48
  about,
• 2:49
  you
• 2:49
  know,
• 2:49
  what
• 2:49
  is
• 2:49
  the
• 2:49
  point
• 2:50
  of
• 2:50
  Christmas?
• 2:51
  And
• 2:51
  what
• 2:52
  each
• 2:52
  of
• 2:52
  us
• 2:52
  meant
• 2:53
  to
• 2:53
  her.
• 2:54
  And
• 2:54
  let
• 2:54
  me
• 2:54
  just
• 2:54
  tell
• 2:54
  you
• 2:55
  right
• 2:55
  now,
• 2:55
  I've
• 2:56
  gotten
• 2:56
  a
• 2:56
  lot
• 2:56
  of
• 2:56
  gifts
• 2:56
  over
• 2:57
  my
• 2:57
  life,
• 2:57
  but
• 2:58
  that
• 2:58
  was
• 2:58
  probably
• 2:58
  the
• 2:58
  most
• 2:59
  valuable
• 2:59
  gift
• 2:59
  I've
• 3:00
  ever
• 3:00
  received
• 3:01
  because
• 3:01
  it
• 3:01
  was
• 3:02
  from
• 3:02
  her
• 3:02
  heart.
• 3:02
  I
• 3:02
  mean,
• 3:03
  she
• 3:03
  took
• 3:03
  the
• 3:03
  time,
• 3:03
  she
• 3:03
  put
• 3:04
  a
• 3:04
  scrapbook
• 3:05
  together.
• 3:05
  She
• 3:05
  put
• 3:05
  pictures
• 3:06
  of
• 3:06
  events
• 3:07
  and
• 3:07
  things
• 3:07
  that
• 3:07
  mattered
• 3:08
  to
• 3:08
  her
• 3:08
  and
• 3:08
  I
• 3:08
  doing
• 3:09
  our
• 3:09
  marriage.
• 3:09
  And
• 3:10
  she
• 3:10
  did
• 3:10
  the
• 3:10
  same
• 3:10
  thing
• 3:10
  for
• 3:11
  the
• 3:11
  boys.
• 3:11
  And
• 3:11
  I'm
• 3:11
  gonna
• 3:11
  tell
• 3:11
  you
• 3:12
  right
• 3:12
  now,
• 3:12
  most
• 3:12
  little
• 3:12
  kids,
• 3:13
  they're
• 3:13
  interested
• 3:14
  in
• 3:14
  their
• 3:14
  toys.
• 3:14
  They're
• 3:15
  interested
• 3:15
  in
• 3:15
  the
• 3:16
  stuff
• 3:16
  that
• 3:16
  goes
• 3:16
  zoom,
• 3:17
  zoom
• 3:17
  and
• 3:17
  the
• 3:17
  stuff
• 3:17
  you
• 3:17
  gotta
• 3:18
  put
• 3:18
  batteries
• 3:18
  in.
• 3:18
  But
• 3:19
  these
• 3:19
  two
• 3:19
  kids
• 3:20
  were.
• 3:20
  I
• 3:20
  guess
• 3:20
  they
• 3:20
  were
• 3:21
  probably
• 3:21
  8
• 3:21
  and
• 3:21
  11
• 3:22
  years
• 3:22
  old,
• 3:22
  and
• 3:23
  they
• 3:23
  were
• 3:23
  old
• 3:23
  enough
• 3:23
  to
• 3:24
  understand,
• 3:24
  and
• 3:24
  they
• 3:24
  could
• 3:24
  start
• 3:25
  to
• 3:25
  read.
• 3:26
  And
• 3:26
  it
• 3:26
  was
• 3:26
  amazing
• 3:26
  to
• 3:27
  see
• 3:27
  how
• 3:27
  appreciative
• 3:28
  they
• 3:28
  were.
• 3:28
  The
• 3:28
  two
• 3:28
  boys
• 3:28
  just.
• 3:29
  They
• 3:29
  were
• 3:29
  in
• 3:29
  tears,
• 3:30
  you
• 3:31
  know.
• 3:31
  And
• 3:31
  in
• 3:31
  the
• 3:31
  end,
• 3:31
  man,
• 3:32
  my
• 3:32
  wife
• 3:32
  just
• 3:32
  sat
• 3:33
  there
• 3:33
  and
• 3:33
  was
• 3:33
  just
• 3:33
  a
• 3:34
  great
• 3:34
  family
• 3:35
  experience.
• 3:36
  But
• 3:36
  guess
• 3:37
  what?
• 3:37
  There
• 3:38
  was
• 3:38
  no
• 3:38
  credit
• 3:38
  card
• 3:39
  debt
• 3:39
  afterwards.
• 3:40
  There
• 3:40
  wasn't
• 3:40
  any
• 3:41
  of
• 3:41
  that
• 3:41
  January
• 3:42
  regret.
• 3:43
  And
• 3:43
  it
• 3:43
  was
• 3:43
  something
• 3:44
  that
• 3:44
  we
• 3:44
  still
• 3:44
  have
• 3:44
  to
• 3:45
  this
• 3:45
  day.
• 3:45
  It
• 3:45
  still
• 3:45
  sits
• 3:45
  on
• 3:46
  my
• 3:46
  bookshelf
• 3:46
  in
• 3:46
  my
• 3:47
  office.
• 3:48
  This
• 3:48
  is
• 3:48
  something
• 3:48
  the
• 3:49
  boys
• 3:49
  still
• 3:49
  have.
• 3:49
  And
• 3:50
  when
• 3:50
  they're
• 3:50
  having
• 3:50
  one
• 3:50
  of
• 3:50
  those
• 3:50
  rough
• 3:51
  days,
• 3:51
  or
• 3:51
  I'm
• 3:51
  having
• 3:51
  one
• 3:52
  of
• 3:52
  those
• 3:52
  rough
• 3:52
  days,
• 3:52
  I
• 3:53
  go
• 3:53
  open
• 3:53
  it
• 3:53
  up.
• 3:54
  And
• 3:54
  it
• 3:54
  just
• 3:54
  reminds
• 3:55
  me
• 3:55
  of
• 3:55
  what
• 3:55
  really
• 3:56
  matters
• 3:56
  in
• 3:56
  life.
• 3:57
  And
• 3:57
  I
• 3:57
  love
• 3:57
  what
• 3:57
  Amy
• 3:58
  Carmichael
• 3:58
  said.
• 3:59
  She
• 3:59
  said,
• 3:59
  you
• 3:59
  can
• 4:00
  give
• 4:00
  without
• 4:01
  loving,
• 4:02
  but
• 4:02
  you
• 4:02
  cannot
• 4:03
  love
• 4:03
  without
• 4:04
  giving.
• 4:05
  And
• 4:05
  that
• 4:05
  is
• 4:05
  profound,
• 4:06
  isn't
• 4:06
  it?
• 4:06
  That
• 4:06
  really
• 4:07
  struck
• 4:07
  me.
• 4:07
  You
• 4:08
  can
• 4:08
  give
• 4:08
  without
• 4:09
  loving,
• 4:10
  but
• 4:10
  you
• 4:10
  can't
• 4:10
  love
• 4:11
  without
• 4:11
  giving.
• 4:12
  Which
• 4:12
  leads
• 4:12
  me
• 4:12
  to
• 4:13
  a
• 4:13
  bit
• 4:13
  of
• 4:13
  a
• 4:13
  mini
• 4:13
  rant.
• 4:14
  Abby,
• 4:15
  my
• 4:15
  producer,
• 4:15
  and
• 4:15
  I
• 4:15
  were
• 4:16
  planning
• 4:16
  for
• 4:16
  the
• 4:16
  show
• 4:16
  last
• 4:16
  week,
• 4:17
  and
• 4:17
  I
• 4:17
  said,
• 4:17
  we
• 4:17
  got
• 4:17
  to
• 4:17
  do
• 4:17
  this
• 4:18
  show.
• 4:18
  We're
• 4:18
  going
• 4:18
  to
• 4:18
  talk
• 4:18
  about
• 4:19
  gifts
• 4:19
  from
• 4:19
  the
• 4:19
  heart.
• 4:19
  She
• 4:20
  And
• 4:20
  I
• 4:20
  said,
• 4:20
  one
• 4:20
  thing
• 4:20
  I
• 4:21
  really
• 4:21
  hate,
• 4:21
  Abby,
• 4:22
  is
• 4:22
  I
• 4:22
  hate
• 4:22
  gift
• 4:23
  cards.
• 4:23
  And
• 4:24
  I'll
• 4:24
  tell
• 4:24
  you
• 4:24
  why.
• 4:24
  It
• 4:24
  never
• 4:25
  really
• 4:25
  dawned
• 4:25
  on
• 4:26
  me
• 4:26
  why
• 4:26
  I
• 4:26
  hate
• 4:26
  them.
• 4:27
  Because,
• 4:27
  yes,
• 4:27
  you
• 4:28
  can
• 4:28
  give
• 4:28
  them,
• 4:29
  but
• 4:29
  how
• 4:29
  loving
• 4:29
  is
• 4:30
  it?
• 4:30
  How
• 4:30
  much
• 4:31
  effort
• 4:31
  does
• 4:31
  it
• 4:31
  take?
• 4:31
  You're
• 4:32
  in
• 4:32
  the
• 4:32
  supermarket
• 4:32
  aisle
• 4:33
  and
• 4:33
  you're
• 4:33
  way
• 4:33
  out
• 4:33
  the
• 4:33
  door,
• 4:33
  and
• 4:34
  you
• 4:34
  see
• 4:34
  this
• 4:34
  rack
• 4:34
  of
• 4:34
  gift
• 4:35
  cards.
• 4:35
  Just
• 4:35
  pick
• 4:35
  one.
• 4:36
  It's
• 4:36
  not
• 4:36
  much
• 4:37
  love
• 4:37
  in
• 4:37
  that.
• 4:37
  I'm
• 4:37
  not
• 4:37
  criticizing
• 4:38
  people
• 4:38
  who
• 4:39
  give
• 4:39
  gift
• 4:39
  cards,
• 4:40
  but
• 4:40
  take
• 4:40
  A
• 4:40
  little
• 4:41
  time.
• 4:41
  Do
• 4:42
  something
• 4:42
  heartfelt.
• 4:43
  Which
• 4:43
  leads
• 4:43
  us
• 4:43
  to
• 4:43
  our
• 4:44
  big
• 4:44
  question
• 4:44
  for
• 4:44
  today.
• 4:44
  And
• 4:45
  that's
• 4:45
  how
• 4:45
  can
• 4:45
  I
• 4:46
  still
• 4:46
  be
• 4:46
  generous
• 4:46
  without
• 4:47
  spending
• 4:47
  a
• 4:47
  ton
• 4:47
  of
• 4:47
  money?
• 4:48
  Well,
• 4:48
  I've
• 4:48
  got
• 4:49
  some
• 4:49
  great
• 4:49
  ideas
• 4:49
  for
• 4:49
  you.
• 4:50
  First
• 4:50
  thing
• 4:50
  you
• 4:50
  can
• 4:50
  do
• 4:51
  handmade
• 4:52
  gifts.
• 4:52
  These
• 4:53
  things
• 4:53
  go
• 4:53
  a
• 4:53
  long
• 4:53
  way.
• 4:54
  You
• 4:54
  can
• 4:54
  bake
• 4:54
  for
• 4:54
  somebody.
• 4:55
  Listen,
• 4:55
  I'm
• 4:55
  not
• 4:55
  baking
• 4:56
  for
• 4:56
  anybody.
• 4:56
  Because
• 4:56
  if
• 4:56
  I
• 4:57
  tried
• 4:57
  to
• 4:57
  make
• 4:57
  a
• 4:57
  cake,
• 4:57
  he'd
• 4:58
  be
• 4:58
  like,
• 4:58
  ralph,
• 4:58
  I'm
• 4:58
  not
• 4:58
  eating
• 4:59
  that.
• 4:59
  But
• 4:59
  a
• 4:59
  lot
• 5:00
  of
• 5:00
  people
• 5:00
  have
• 5:00
  a
• 5:01
  gift
• 5:01
  of
• 5:01
  cooking
• 5:01
  or
• 5:01
  a
• 5:02
  gift
• 5:02
  of
• 5:02
  baking.
• 5:02
  Do
• 5:03
  that
• 5:03
  for
• 5:03
  them.
• 5:03
  Maybe
• 5:04
  get
• 5:04
  a
• 5:04
  photo
• 5:04
  and
• 5:04
  frame
• 5:05
  it.
• 5:05
  Listen,
• 5:05
  you
• 5:05
  don't
• 5:05
  have
• 5:06
  to
• 5:06
  spend
• 5:06
  a
• 5:06
  lot
• 5:06
  of
• 5:06
  money
• 5:07
  and
• 5:07
  you
• 5:07
  can
• 5:07
  build
• 5:07
  something
• 5:08
  prices
• 5:08
  for
• 5:08
  them.
• 5:09
  I've
• 5:09
  seen
• 5:09
  people
• 5:09
  give
• 5:10
  framed
• 5:10
  pictures.
• 5:11
  Those
• 5:11
  things
• 5:11
  are
• 5:12
  wonderful.
• 5:12
  Or
• 5:12
  like
• 5:13
  my
• 5:13
  wife
• 5:13
  did,
• 5:13
  just
• 5:14
  write
• 5:14
  a
• 5:14
  heartfelt
• 5:15
  note
• 5:15
  for
• 5:15
  somebody.
• 5:16
  What
• 5:16
  they
• 5:16
  mean
• 5:16
  to
• 5:16
  you,
• 5:17
  what
• 5:17
  the
• 5:17
  holidays
• 5:17
  mean
• 5:18
  to
• 5:18
  them.
• 5:18
  What
• 5:18
  it
• 5:19
  means
• 5:19
  to
• 5:19
  you.
• 5:19
  Because
• 5:20
  here's
• 5:20
  the
• 5:20
  truth.
• 5:21
  Personal
• 5:21
  touches
• 5:22
  beat
• 5:22
  price
• 5:22
  tags.
• 5:23
  They
• 5:23
  just
• 5:23
  do.
• 5:24
  I've
• 5:24
  experienced
• 5:24
  that
• 5:24
  my
• 5:25
  own
• 5:25
  life.
• 5:25
  Which
• 5:25
  leads
• 5:26
  me
• 5:26
  to
• 5:26
  the
• 5:26
  second
• 5:26
  thing
• 5:26
  you
• 5:27
  consider.
• 5:27
  How
• 5:27
  about
• 5:28
  some
• 5:28
  experience
• 5:28
  gifts?
• 5:29
  The
• 5:30
  things
• 5:30
  that
• 5:30
  I
• 5:30
  remember
• 5:31
  the
• 5:31
  most
• 5:32
  in
• 5:32
  my
• 5:32
  life
• 5:32
  are
• 5:33
  shared
• 5:33
  time
• 5:33
  with
• 5:34
  other
• 5:34
  people.
• 5:35
  Because
• 5:35
  I
• 5:35
  can
• 5:35
  always
• 5:35
  go
• 5:36
  buy
• 5:36
  somebody
• 5:36
  something.
• 5:36
  I
• 5:37
  can
• 5:37
  go
• 5:37
  buy
• 5:37
  that.
• 5:37
  That
• 5:38
  nasty
• 5:38
  gift
• 5:38
  card
• 5:39
  or
• 5:39
  whatever
• 5:39
  that
• 5:39
  looks
• 5:39
  like.
• 5:39
  But,
• 5:40
  man,
• 5:40
  time.
• 5:41
  Time
• 5:41
  is
• 5:41
  probably
• 5:42
  the
• 5:42
  most
• 5:42
  precious
• 5:42
  commodity
• 5:43
  that
• 5:43
  any
• 5:43
  of
• 5:43
  us
• 5:44
  have.
• 5:44
  Think
• 5:44
  about
• 5:44
  that.
• 5:45
  You
• 5:45
  choose
• 5:46
  to
• 5:46
  spend
• 5:47
  your
• 5:47
  time
• 5:47
  with
• 5:47
  somebody,
• 5:48
  you're
• 5:48
  choosing
• 5:48
  not
• 5:49
  to
• 5:49
  do
• 5:49
  something
• 5:49
  else.
• 5:50
  Those
• 5:50
  experience
• 5:51
  gifts,
• 5:52
  that
• 5:52
  shared
• 5:52
  time
• 5:52
  is
• 5:53
  priceless.
• 5:53
  Here's
• 5:54
  another
• 5:54
  great
• 5:54
  idea.
• 5:55
  How
• 5:55
  about
• 5:55
  some
• 5:55
  service
• 5:56
  gifts?
• 5:56
  Maybe
• 5:56
  Things
• 5:56
  are
• 5:57
  real
• 5:57
  tight.
• 5:57
  I
• 5:57
  remember
• 5:58
  when
• 5:58
  I
• 5:58
  was
• 5:58
  a
• 5:58
  teenager,
• 5:59
  I
• 5:59
  didn't
• 5:59
  have
• 6:00
  a
• 6:00
  lot
• 6:00
  of
• 6:00
  money.
• 6:00
  So.
• 6:00
  So
• 6:01
  what
• 6:01
  did
• 6:01
  I
• 6:01
  do?
• 6:01
  I
• 6:02
  gave
• 6:02
  gifts
• 6:02
  of
• 6:02
  service.
• 6:02
  I
• 6:03
  said
• 6:03
  to
• 6:03
  my
• 6:03
  mom
• 6:03
  and
• 6:03
  dad,
• 6:04
  hey,
• 6:04
  I'll
• 6:04
  wash
• 6:04
  and
• 6:04
  wax
• 6:05
  your
• 6:05
  car.
• 6:05
  I'll
• 6:06
  do
• 6:06
  this,
• 6:06
  I'll
• 6:06
  do
• 6:06
  that.
• 6:07
  Maybe
• 6:07
  for
• 6:07
  you,
• 6:07
  it's
• 6:08
  babysitting.
• 6:08
  Maybe,
• 6:08
  you
• 6:09
  know,
• 6:09
  a
• 6:09
  young
• 6:09
  couple
• 6:09
  that
• 6:10
  needs
• 6:10
  some
• 6:10
  time
• 6:10
  off
• 6:11
  or
• 6:11
  needs
• 6:11
  some
• 6:11
  time
• 6:11
  away
• 6:12
  to
• 6:12
  just
• 6:12
  reconnect
• 6:12
  for
• 6:12
  a
• 6:13
  date
• 6:13
  night,
• 6:13
  offer
• 6:14
  to
• 6:14
  give
• 6:14
  them
• 6:14
  some
• 6:14
  babysitting,
• 6:15
  maybe
• 6:15
  make
• 6:15
  them
• 6:15
  a
• 6:16
  meal.
• 6:16
  Hey,
• 6:17
  maybe
• 6:17
  your
• 6:17
  mom
• 6:17
  or
• 6:18
  your
• 6:18
  elderly
• 6:18
  parents
• 6:19
  need
• 6:19
  you
• 6:19
  to
• 6:19
  run
• 6:19
  some
• 6:20
  errands.
• 6:20
  Because
• 6:20
  listen,
• 6:21
  these
• 6:21
  speak
• 6:22
  love
• 6:22
  loudly.
• 6:23
  Gifts
• 6:23
  should
• 6:24
  speak
• 6:24
  in
• 6:24
  love.
• 6:25
  Abby
• 6:25
  and
• 6:25
  I
• 6:25
  were
• 6:26
  talking
• 6:26
  about
• 6:26
  preparing.
• 6:26
  She
• 6:26
  goes,
• 6:27
  rafa,
• 6:27
  I
• 6:27
  love
• 6:27
  the
• 6:28
  holidays.
• 6:28
  I
• 6:28
  love
• 6:29
  giving.
• 6:30
  What
• 6:30
  she's
• 6:30
  really
• 6:30
  saying.
• 6:30
  And
• 6:31
  I
• 6:31
  bet
• 6:31
  you're
• 6:31
  thinking
• 6:31
  the
• 6:31
  same
• 6:32
  thing,
• 6:32
  is,
• 6:32
  I
• 6:32
  love
• 6:33
  to
• 6:33
  love.
• 6:34
  Well,
• 6:34
  you
• 6:34
  do
• 6:34
  that
• 6:35
  by
• 6:35
  being
• 6:35
  thoughtful,
• 6:35
  which
• 6:36
  leads
• 6:36
  me
• 6:36
  to
• 6:36
  the
• 6:36
  next
• 6:36
  thing.
• 6:37
  Thoughtfulness.
• 6:39
  Listen,
• 6:39
  I'm.
• 6:39
  I'm
• 6:40
  not
• 6:40
  great
• 6:40
  at
• 6:40
  this.
• 6:40
  My
• 6:40
  wife
• 6:40
  always
• 6:41
  says,
• 6:41
  ralph,
• 6:41
  sometimes
• 6:42
  you
• 6:42
  need
• 6:42
  to
• 6:42
  listen.
• 6:43
  Well,
• 6:43
  listen
• 6:43
  to
• 6:43
  what
• 6:44
  truly
• 6:44
  matters
• 6:45
  to
• 6:45
  somebody.
• 6:46
  And
• 6:46
  many
• 6:47
  times
• 6:47
  it's
• 6:48
  your
• 6:48
  presence,
• 6:49
  not
• 6:49
  your
• 6:49
  purchase.
• 6:51
  And
• 6:51
  it
• 6:51
  doesn't
• 6:51
  have
• 6:52
  to
• 6:52
  be
• 6:52
  luxury.
• 6:52
  I
• 6:52
  said
• 6:53
  this.
• 6:53
  I
• 6:53
  put
• 6:53
  this
• 6:53
  in
• 6:53
  my
• 6:53
  notes
• 6:54
  today.
• 6:54
  Love,
• 6:54
  not
• 6:55
  luxury.
• 6:56
  Because
• 6:57
  God
• 6:57
  cares
• 6:57
  about
• 6:57
  the
• 6:58
  heart
• 6:58
  behind
• 6:58
  the
• 6:58
  gift.
• 6:59
  He
• 7:00
  doesn't
• 7:00
  care
• 7:00
  about
• 7:00
  the
• 7:00
  total
• 7:01
  on
• 7:01
  the
• 7:01
  receipt.
• 7:02
  Which
• 7:02
  leads
• 7:02
  me
• 7:03
  to
• 7:03
  today's
• 7:03
  Bible
• 7:03
  verse.
• 7:04
  And
• 7:04
  this
• 7:04
  one
• 7:04
  comes
• 7:04
  from
• 7:04
  the
• 7:04
  Acts
• 7:05
  of
• 7:05
  Apostles,
• 7:06
  chapter
• 7:06
  20,
• 7:07
  verse
• 7:07
  35.
• 7:08
  And
• 7:09
  listen,
• 7:09
  this
• 7:09
  is
• 7:09
  Jesus
• 7:09
  speaking.
• 7:10
  This
• 7:10
  is
• 7:10
  what
• 7:10
  he
• 7:10
  said.
• 7:10
  He
• 7:10
  said
• 7:11
  the
• 7:11
  Lord
• 7:11
  Jesus
• 7:11
  himself
• 7:12
  said,
• 7:13
  it
• 7:13
  is
• 7:13
  more
• 7:13
  blessed
• 7:14
  to
• 7:14
  give
• 7:15
  than
• 7:15
  to
• 7:15
  receive.
• 7:16
  Well,
• 7:17
  listen,
• 7:17
  if
• 7:17
  Jesus
• 7:18
  Christ
• 7:18
  himself
• 7:18
  said
• 7:18
  it,
• 7:19
  we
• 7:19
  better
• 7:19
  learn
• 7:20
  from
• 7:20
  that.
• 7:20
  How
• 7:20
  about
• 7:20
  we
• 7:21
  pray
• 7:21
  together
• 7:21
  right
• 7:21
  now?
• 7:22
  Lord,
• 7:22
  as
• 7:23
  we
• 7:23
  think
• 7:23
  about
• 7:23
  the
• 7:23
  holidays
• 7:24
  and
• 7:24
  we
• 7:25
  think
• 7:25
  about
• 7:25
  giving
• 7:26
  joyful
• 7:26
  gifts,
• 7:26
  Lord,
• 7:27
  help
• 7:27
  us
• 7:27
  to
• 7:27
  have
• 7:27
  a
• 7:27
  heart
• 7:28
  that
• 7:28
  values
• 7:28
  meaning
• 7:29
  over
• 7:29
  materialism.
• 7:30
  It's
• 7:30
  so
• 7:30
  easy.
• 7:31
  In
• 7:31
  our
• 7:31
  culture,
• 7:32
  we
• 7:32
  see
• 7:32
  materialism,
• 7:33
  this
• 7:33
  noise
• 7:33
  coming
• 7:34
  at
• 7:34
  us
• 7:34
  from
• 7:34
  all
• 7:34
  sides
• 7:35
  and
• 7:35
  social
• 7:36
  media
• 7:36
  and
• 7:36
  the
• 7:37
  shopping
• 7:37
  mall
• 7:38
  and
• 7:38
  all
• 7:38
  the
• 7:38
  shopping
• 7:39
  sites,
• 7:39
  and
• 7:39
  help
• 7:40
  us
• 7:40
  to
• 7:40
  be
• 7:40
  creative,
• 7:40
  Lord,
• 7:41
  to
• 7:41
  bless
• 7:41
  others
• 7:42
  in
• 7:42
  thoughtful
• 7:42
  ways.
• 7:43
  And,
• 7:44
  Lord,
• 7:44
  we
• 7:44
  just
• 7:44
  have
• 7:44
  gratitude
• 7:45
  that
• 7:45
  you
• 7:46
  give
• 7:46
  us
• 7:46
  the
• 7:46
  ability
• 7:46
  to
• 7:47
  give
• 7:47
  from
• 7:47
  love,
• 7:48
  not
• 7:48
  from
• 7:48
  obligation.
• 7:49
  So
• 7:49
  help
• 7:49
  us
• 7:49
  to
• 7:49
  have
• 7:50
  a
• 7:50
  true
• 7:50
  heart,
• 7:50
  Lord,
• 7:51
  because
• 7:51
  we
• 7:51
  know
• 7:51
  you're
• 7:51
  not
• 7:52
  looking
• 7:52
  at
• 7:52
  receipts,
• 7:52
  but
• 7:53
  you're
• 7:53
  looking
• 7:53
  at
• 7:53
  those
• 7:54
  times
• 7:54
  that
• 7:54
  are
• 7:54
  written
• 7:54
  on
• 7:55
  our
• 7:55
  heart.
• 7:55
  So,
• 7:55
  Lord,
• 7:55
  we
• 7:56
  just
• 7:56
  ask
• 7:56
  you
• 7:56
  to
• 7:56
  help
• 7:57
  us
• 7:57
  to
• 7:57
  find
• 7:57
  that
• 7:58
  in
• 7:58
  our
• 7:58
  lives
• 7:58
  and
• 7:58
  help
• 7:59
  us
• 7:59
  to
• 7:59
  reach
• 7:59
  the
• 7:59
  people
• 8:00
  in
• 8:00
  our
• 8:01
  time
• 8:01
  and
• 8:01
  have
• 8:01
  that
• 8:02
  joy
• 8:02
  in
• 8:02
  the
• 8:02
  holidays.
• 8:02
  And
• 8:03
  we
• 8:03
  ask
• 8:03
  this
• 8:03
  in
• 8:04
  the
• 8:04
  name
• 8:04
  of
• 8:04
  Jesus.
• 8:05
  Amen.
• 8:05
  All
• 8:06
  right,
• 8:06
  so
• 8:06
  here's
• 8:06
  your
• 8:06
  action
• 8:07
  item
• 8:07
  for
• 8:07
  today.
• 8:08
  It's
• 8:08
  going
• 8:08
  to
• 8:08
  be
• 8:08
  pretty
• 8:09
  simple.
• 8:09
  Today.
• 8:09
  I
• 8:09
  want
• 8:09
  you
• 8:09
  to
• 8:10
  write
• 8:10
  down
• 8:10
  three
• 8:11
  creative
• 8:11
  gift
• 8:11
  ideas
• 8:12
  that
• 8:12
  you
• 8:12
  could
• 8:12
  give
• 8:12
  this
• 8:13
  year.
• 8:13
  Because
• 8:14
  truth
• 8:14
  is,
• 8:14
  things,
• 8:15
  little
• 8:15
  things
• 8:15
  that
• 8:16
  cost
• 8:16
  a
• 8:16
  little,
• 8:17
  mean
• 8:17
  a
• 8:17
  lot.
• 8:18
  Maybe
• 8:18
  it's
• 8:18
  a
• 8:18
  memory
• 8:18
  jar.
• 8:19
  Maybe
• 8:19
  it's
• 8:19
  a
• 8:19
  letter
• 8:19
  or
• 8:20
  a
• 8:20
  box
• 8:20
  like
• 8:20
  my
• 8:20
  wife
• 8:21
  did.
• 8:21
  Maybe
• 8:22
  it's
• 8:22
  a
• 8:22
  coupon
• 8:22
  book
• 8:22
  or
• 8:23
  acts
• 8:23
  of
• 8:23
  service.
• 8:24
  Or
• 8:24
  here's
• 8:24
  a
• 8:25
  great
• 8:25
  idea.
• 8:25
  Create
• 8:25
  a
• 8:26
  personalized
• 8:26
  playlist
• 8:27
  for
• 8:27
  your
• 8:27
  mom
• 8:27
  or
• 8:28
  somebody
• 8:28
  of
• 8:28
  some
• 8:29
  music
• 8:29
  that
• 8:29
  you
• 8:29
  think
• 8:29
  they'll
• 8:30
  really
• 8:30
  like.
• 8:30
  Or,
• 8:30
  hey,
• 8:30
  here's
• 8:31
  a
• 8:31
  great
• 8:31
  idea,
• 8:31
  too.
• 8:32
  Just
• 8:32
  write
• 8:32
  them
• 8:33
  a
• 8:33
  reflection
• 8:33
  letter
• 8:34
  of
• 8:34
  what
• 8:34
  they
• 8:34
  mean
• 8:35
  to
• 8:35
  you
• 8:35
  and
• 8:36
  the
• 8:36
  impact
• 8:36
  that
• 8:37
  they've
• 8:37
  made
• 8:37
  on
• 8:37
  your
• 8:37
  life.
• 8:39
  So
• 8:39
  let's
• 8:39
  get
• 8:39
  creative
• 8:39
  today.
• 8:40
  Let's
• 8:40
  think
• 8:40
  about
• 8:41
  heart
• 8:41
  overpriced,
• 8:42
  because
• 8:42
  love
• 8:42
  makes
• 8:43
  the
• 8:43
  best
• 8:43
  gifts.
• 8:43
  And
• 8:44
  as
• 8:44
  I
• 8:44
  said
• 8:44
  yesterday,
• 8:45
  presence
• 8:46
  over
• 8:47
  presence.
• 8:48
  Give
• 8:48
  from
• 8:48
  love,
• 8:48
  not
• 8:49
  from
• 8:49
  obligations,
• 8:49
  because
• 8:50
  that's
• 8:50
  generosity
• 8:51
  that
• 8:51
  lasts.
• 8:52
  Well,
• 8:52
  thank
• 8:52
  you
• 8:52
  for
• 8:52
  joining
• 8:53
  me
• 8:53
  today.
• 8:53
  I
• 8:54
  want
• 8:54
  to
• 8:54
  encourage
• 8:54
  you
• 8:54
  right
• 8:54
  now,
• 8:54
  go
• 8:55
  out
• 8:55
  there
• 8:55
  and
• 8:55
  be
• 8:56
  a
• 8:56
  financially
• 8:57
  confident
• 8:57
  Christian.
• 8:58
  Stay
• 8:58
  financially
• 8:58
  savvy.
• 8:59
  God
• 8:59
  bless.
• 9:00
  And
• 9:00
  I'll
• 9:00
  see
• 9:00
  you
• 9:00
  again
• 9:00
  tomorrow
• 9:01
  on
• 9:01
  the
• 9:01
  show.