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How Can I Enjoy a Debt-Free Holiday Season This Year? · Becoming Financially Confident

• 0:38
  Holiday
• 0:38
  music
• 0:38
  in
• 0:39
  August.
• 0:39
  You're
• 0:39
  probably
• 0:39
  thinking,
• 0:40
  Ralph,
• 0:40
  you've
• 0:40
  got
• 0:40
  to
• 0:41
  be
• 0:41
  kidding
• 0:41
  me.
• 0:42
  And
• 0:42
  it
• 0:42
  might
• 0:42
  seem
• 0:43
  early,
• 0:43
  but
• 0:44
  those
• 0:44
  festive
• 0:45
  expenses
• 0:45
  are
• 0:45
  just
• 0:45
  around
• 0:46
  the
• 0:46
  corner.
• 0:47
  Let
• 0:47
  me
• 0:47
  just
• 0:47
  ask
• 0:48
  you
• 0:48
  this,
• 0:49
  does
• 0:49
  the
• 0:49
  thought
• 0:49
  of
• 0:49
  those
• 0:50
  holiday
• 0:50
  bills
• 0:51
  fill
• 0:51
  you
• 0:51
  with
• 0:51
  dread
• 0:52
  and
• 0:52
  financial
• 0:52
  stress?
• 0:54
  What
• 0:54
  if
• 0:54
  you
• 0:54
  could
• 0:54
  enjoy
• 0:55
  a
• 0:55
  season
• 0:55
  of
• 0:56
  true
• 0:56
  joy
• 0:56
  and
• 0:56
  true
• 0:57
  generosity
• 0:57
  without
• 0:58
  adding
• 0:58
  a
• 0:58
  single
• 0:59
  dollar
• 0:59
  of
• 0:59
  debt?
• 1:00
  So
• 1:00
  stick
• 1:00
  with
• 1:00
  me
• 1:00
  today
• 1:01
  because
• 1:01
  I'm
• 1:01
  going
• 1:01
  to
• 1:01
  share
• 1:01
  with
• 1:02
  you
• 1:02
  exactly
• 1:02
  how
• 1:02
  to
• 1:02
  make
• 1:03
  that
• 1:03
  happen
• 1:04
  on
• 1:04
  today's
• 1:04
  show.
• 1:06
  This
• 1:06
  is
• 1:07
  Financially
• 1:07
  Confident
• 1:08
  Christian,
• 1:09
  your
• 1:09
  daily
• 1:09
  dose
• 1:09
  of
• 1:10
  gospel,
• 1:10
  grounded
• 1:10
  insight
• 1:11
  and
• 1:11
  faith
• 1:12
  driven
• 1:12
  tips
• 1:12
  to
• 1:13
  help
• 1:13
  you
• 1:13
  break
• 1:13
  the
• 1:13
  cycle
• 1:14
  of
• 1:14
  financial
• 1:14
  shame
• 1:15
  with
• 1:15
  confidence.
• 1:18
  Hey
• 1:18
  there
• 1:18
  and
• 1:18
  welcome
• 1:19
  back
• 1:19
  to
• 1:19
  your
• 1:19
  daily
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian.
• 1:21
  I'm
• 1:21
  Ralph
• 1:22
  and
• 1:22
  this
• 1:22
  is
• 1:22
  the
• 1:22
  show
• 1:23
  that
• 1:23
  helps
• 1:23
  you
• 1:23
  answer
• 1:24
  that
• 1:24
  question,
• 1:25
  how
• 1:25
  can
• 1:25
  I
• 1:25
  become
• 1:26
  a
• 1:26
  financially
• 1:27
  confident
• 1:27
  Christian?
• 1:28
  And
• 1:28
  we're
• 1:28
  in
• 1:29
  our
• 1:29
  series
• 1:29
  Smart
• 1:30
  Money
• 1:30
  for
• 1:30
  Back
• 1:30
  to
• 1:31
  School
• 1:31
  and
• 1:31
  Beyond.
• 1:31
  All
• 1:32
  about
• 1:32
  equipping
• 1:32
  your
• 1:33
  family
• 1:33
  for
• 1:33
  for
• 1:34
  a
• 1:34
  thriving
• 1:34
  physical
• 1:35
  year.
• 1:35
  Now
• 1:36
  yesterday
• 1:36
  we
• 1:36
  talked
• 1:37
  about
• 1:37
  budgeting
• 1:37
  for
• 1:38
  fall
• 1:38
  fun
• 1:38
  activities
• 1:39
  like
• 1:39
  festivals
• 1:40
  and
• 1:40
  sports
• 1:41
  and
• 1:41
  all
• 1:41
  with
• 1:41
  the
• 1:41
  idea
• 1:42
  of
• 1:42
  doing
• 1:42
  it
• 1:42
  without
• 1:43
  overspending.
• 1:44
  So
• 1:44
  if
• 1:44
  you
• 1:44
  missed
• 1:45
  yesterday's
• 1:45
  show,
• 1:45
  I'm
• 1:46
  going
• 1:46
  to
• 1:46
  encourage
• 1:46
  you
• 1:46
  to
• 1:46
  go
• 1:47
  check
• 1:47
  it
• 1:47
  out.
• 1:47
  You
• 1:48
  can
• 1:48
  always
• 1:48
  find
• 1:48
  our
• 1:49
  episodes@financially
• 1:51
  confidentchristian.com
• 1:53
  now
• 1:54
  today
• 1:54
  we're
• 1:54
  going
• 1:54
  to
• 1:54
  bring
• 1:55
  that
• 1:55
  forward
• 1:55
  thinking
• 1:56
  strategy
• 1:56
  to
• 1:56
  the
• 1:56
  biggest
• 1:57
  spending
• 1:57
  season
• 1:58
  of
• 1:58
  the
• 1:58
  year.
• 1:58
  Yes,
• 1:59
  we're
• 1:59
  going
• 1:59
  to
• 1:59
  talk
• 2:00
  about
• 2:00
  how
• 2:00
  to
• 2:00
  prepare
• 2:01
  for
• 2:01
  a
• 2:01
  debt
• 2:01
  free
• 2:02
  holiday
• 2:02
  season
• 2:04
  and
• 2:04
  start
• 2:04
  your
• 2:04
  stress
• 2:05
  free
• 2:05
  giving
• 2:06
  early.
• 2:07
  So
• 2:07
  today's
• 2:07
  question
• 2:08
  is
• 2:08
  how
• 2:08
  can
• 2:08
  I
• 2:09
  enjoy
• 2:09
  a
• 2:09
  debt
• 2:10
  free
• 2:10
  holiday
• 2:10
  season
• 2:11
  this
• 2:12
  year?
• 2:12
  That's
• 2:12
  why
• 2:12
  I
• 2:13
  started
• 2:13
  with
• 2:13
  the
• 2:13
  Christmas
• 2:14
  music.
• 2:15
  Listen,
• 2:15
  if
• 2:15
  you're
• 2:16
  like
• 2:16
  me,
• 2:16
  the
• 2:16
  holiday
• 2:17
  lights
• 2:17
  are
• 2:17
  beautiful,
• 2:18
  the
• 2:18
  music
• 2:19
  is
• 2:19
  festive,
• 2:20
  the
• 2:20
  gatherings
• 2:20
  are
• 2:20
  just
• 2:21
  absolutely
• 2:21
  joyous.
• 2:22
  I
• 2:22
  truly
• 2:22
  love
• 2:22
  this
• 2:23
  time
• 2:23
  of
• 2:23
  year,
• 2:23
  I
• 2:23
  should
• 2:24
  say
• 2:24
  that
• 2:24
  time
• 2:24
  of
• 2:25
  year
• 2:25
  that's
• 2:25
  coming
• 2:25
  up.
• 2:26
  But
• 2:26
  the
• 2:27
  problem
• 2:27
  with
• 2:27
  that
• 2:27
  is
• 2:27
  credit
• 2:28
  card
• 2:28
  statements
• 2:29
  start
• 2:29
  rolling
• 2:29
  in
• 2:29
  in
• 2:29
  January
• 2:31
  and
• 2:31
  then
• 2:31
  you
• 2:31
  start
• 2:31
  to
• 2:31
  feel
• 2:32
  that
• 2:32
  way.
• 2:32
  I
• 2:32
  spent
• 2:33
  way
• 2:33
  too
• 2:33
  much.
• 2:34
  I
• 2:34
  spent
• 2:34
  more
• 2:35
  than
• 2:35
  I
• 2:35
  intended
• 2:35
  on
• 2:35
  gifts
• 2:36
  and
• 2:36
  Ralph,
• 2:37
  I
• 2:37
  spent
• 2:37
  more
• 2:37
  than
• 2:37
  I
• 2:38
  intended
• 2:38
  on
• 2:38
  decor
• 2:39
  and
• 2:39
  food
• 2:39
  and
• 2:40
  hey,
• 2:40
  maybe
• 2:40
  you
• 2:40
  did
• 2:41
  some
• 2:41
  traveling
• 2:42
  and
• 2:42
  all
• 2:42
  of
• 2:43
  a
• 2:43
  sudden
• 2:43
  you
• 2:43
  start
• 2:43
  to
• 2:43
  feel
• 2:44
  what
• 2:44
  I'll
• 2:44
  call
• 2:44
  the
• 2:44
  post
• 2:45
  holiday
• 2:45
  financial
• 2:46
  hangover.
• 2:47
  If
• 2:47
  you
• 2:48
  ever
• 2:48
  felt
• 2:48
  it,
• 2:48
  you
• 2:48
  know
• 2:49
  exactly
• 2:49
  what
• 2:49
  I'm
• 2:49
  talking
• 2:50
  about.
• 2:50
  Maybe
• 2:50
  you're
• 2:50
  thinking,
• 2:50
  you
• 2:50
  know
• 2:51
  what,
• 2:51
  Ralph,
• 2:51
  I
• 2:51
  just
• 2:52
  got
• 2:52
  past
• 2:52
  that
• 2:52
  hangover.
• 2:53
  Just
• 2:53
  finally
• 2:53
  paid
• 2:54
  off
• 2:54
  those
• 2:54
  credit
• 2:55
  card
• 2:55
  bills
• 2:55
  just
• 2:55
  a
• 2:55
  couple
• 2:56
  months
• 2:56
  ago.
• 2:56
  Hey,
• 2:57
  maybe
• 2:57
  for
• 2:57
  you,
• 2:57
  you're
• 2:57
  still
• 2:57
  paying
• 2:58
  them
• 2:58
  from
• 2:58
  last
• 2:58
  year.
• 2:59
  And
• 3:00
  what
• 3:00
  happens
• 3:00
  is
• 3:00
  that
• 3:00
  leads
• 3:01
  to
• 3:01
  regret,
• 3:02
  it
• 3:02
  leads
• 3:02
  to
• 3:03
  guilt
• 3:04
  and
• 3:04
  that
• 3:04
  new
• 3:04
  debt,
• 3:05
  like
• 3:05
  I
• 3:05
  talked
• 3:05
  about
• 3:05
  sometimes
• 3:06
  it
• 3:06
  lingers
• 3:06
  for
• 3:07
  months
• 3:07
  and
• 3:07
  dare
• 3:07
  say
• 3:08
  maybe
• 3:08
  for
• 3:08
  years.
• 3:09
  I
• 3:09
  remember
• 3:09
  one
• 3:10
  particular
• 3:10
  Christmas
• 3:11
  I
• 3:11
  felt
• 3:11
  like
• 3:11
  my
• 3:12
  wife
• 3:12
  and
• 3:12
  I,
• 3:12
  we
• 3:12
  were
• 3:12
  paying
• 3:13
  off
• 3:13
  that
• 3:13
  Christmas
• 3:13
  debt
• 3:14
  for
• 3:14
  years.
• 3:16
  And
• 3:16
  see
• 3:16
  the
• 3:16
  problem
• 3:16
  with
• 3:17
  overspending.
• 3:18
  And
• 3:18
  that's
• 3:18
  what
• 3:18
  we're
• 3:19
  really
• 3:19
  talking
• 3:19
  about
• 3:19
  today.
• 3:20
  That
• 3:20
  overspending
• 3:21
  will
• 3:21
  undermine
• 3:22
  your
• 3:22
  budget
• 3:23
  and
• 3:23
  it'll
• 3:23
  undermine
• 3:24
  those
• 3:24
  plans
• 3:24
  you
• 3:25
  have
• 3:25
  for
• 3:25
  debt
• 3:25
  payoff.
• 3:26
  And
• 3:26
  in
• 3:27
  the
• 3:27
  end,
• 3:27
  if
• 3:27
  you're
• 3:27
  not
• 3:27
  careful,
• 3:28
  it
• 3:28
  will
• 3:29
  truly
• 3:29
  sabotage
• 3:30
  your
• 3:30
  financial
• 3:30
  goals.
• 3:32
  And
• 3:32
  in
• 3:32
  the
• 3:32
  end,
• 3:32
  what
• 3:33
  it
• 3:33
  does
• 3:33
  is
• 3:33
  it
• 3:33
  turns
• 3:33
  A
• 3:33
  season
• 3:34
  meant
• 3:34
  for
• 3:34
  celebration.
• 3:35
  Hey,
• 3:35
  the
• 3:36
  holiday
• 3:36
  seasons
• 3:36
  are
• 3:37
  great.
• 3:37
  They're
• 3:37
  a
• 3:37
  great
• 3:37
  time
• 3:38
  to
• 3:38
  celebrate
• 3:38
  the
• 3:39
  birth
• 3:39
  of
• 3:39
  Jesus.
• 3:39
  It's
• 3:40
  a
• 3:40
  great
• 3:40
  thing.
• 3:41
  But
• 3:42
  if
• 3:42
  we
• 3:42
  don't
• 3:42
  think
• 3:42
  about
• 3:43
  this,
• 3:43
  we
• 3:43
  don't
• 3:43
  plan
• 3:43
  ahead.
• 3:44
  We
• 3:44
  turn
• 3:45
  that
• 3:45
  season
• 3:45
  meant
• 3:45
  for
• 3:46
  celebration
• 3:47
  into
• 3:47
  a
• 3:47
  financial
• 3:48
  strain.
• 3:49
  And
• 3:49
  unfortunately
• 3:49
  for
• 3:50
  many
• 3:50
  people,
• 3:50
  and
• 3:51
  maybe
• 3:51
  you're
• 3:51
  one
• 3:51
  of
• 3:51
  those
• 3:51
  people
• 3:51
  listening
• 3:52
  right
• 3:52
  now,
• 3:53
  financial
• 3:53
  regret.
• 3:54
  See,
• 3:55
  here's
• 3:55
  the
• 3:55
  thing
• 3:55
  I
• 3:55
  want
• 3:55
  you
• 3:55
  to
• 3:56
  understand.
• 3:56
  Today,
• 3:57
  the
• 3:57
  holiday
• 3:58
  season
• 3:58
  is
• 3:58
  predictable.
• 3:59
  You
• 3:59
  know,
• 4:00
  it's
• 4:00
  coming.
• 4:01
  It's
• 4:01
  not
• 4:01
  like
• 4:01
  it's
• 4:01
  a
• 4:01
  big
• 4:01
  surprise
• 4:02
  like
• 4:02
  that
• 4:02
  emergency
• 4:03
  repair
• 4:03
  on
• 4:03
  your
• 4:04
  car
• 4:04
  or
• 4:04
  a
• 4:05
  medical
• 4:05
  bill
• 4:05
  you
• 4:05
  weren't
• 4:06
  expecting.
• 4:07
  It
• 4:07
  is
• 4:07
  absolutely
• 4:08
  predictable.
• 4:09
  But
• 4:10
  it's
• 4:10
  often
• 4:10
  chaotic.
• 4:11
  And
• 4:11
  the
• 4:12
  reason
• 4:12
  that
• 4:12
  it's
• 4:12
  chaotic,
• 4:13
  if
• 4:13
  we're
• 4:13
  going
• 4:13
  to
• 4:13
  be
• 4:13
  honest
• 4:13
  with
• 4:14
  each
• 4:14
  other,
• 4:14
  is
• 4:15
  because
• 4:15
  we
• 4:15
  haven't
• 4:16
  planned
• 4:16
  adequately
• 4:17
  for
• 4:17
  it.
• 4:18
  And
• 4:18
  see
• 4:18
  the
• 4:19
  true
• 4:19
  joy
• 4:19
  and
• 4:19
  generosity
• 4:20
  come
• 4:20
  from
• 4:20
  the
• 4:20
  heart
• 4:21
  of
• 4:21
  giving.
• 4:22
  That's
• 4:22
  really
• 4:22
  what
• 4:23
  we
• 4:23
  want
• 4:23
  to
• 4:23
  do.
• 4:23
  We
• 4:23
  want
• 4:24
  to
• 4:24
  give,
• 4:24
  we
• 4:24
  want
• 4:24
  to
• 4:24
  have
• 4:24
  a
• 4:25
  heart.
• 4:25
  For
• 4:25
  that
• 4:27
  shouldn't
• 4:27
  come
• 4:27
  from
• 4:27
  debt.
• 4:28
  And
• 4:28
  so
• 4:28
  many
• 4:28
  people
• 4:28
  I've
• 4:29
  known,
• 4:29
  I've
• 4:29
  worked
• 4:29
  with
• 4:30
  over
• 4:30
  the
• 4:30
  years
• 4:30
  have
• 4:31
  just
• 4:31
  the
• 4:31
  holidays
• 4:32
  have
• 4:32
  turned
• 4:32
  into
• 4:32
  a
• 4:33
  source
• 4:33
  of
• 4:33
  just
• 4:33
  absolute
• 4:34
  chaos
• 4:35
  and
• 4:36
  absolute
• 4:36
  debt.
• 4:37
  Well,
• 4:37
  let's
• 4:38
  start
• 4:38
  by
• 4:38
  discussing
• 4:39
  some
• 4:39
  biblical
• 4:39
  principles
• 4:40
  related
• 4:40
  to
• 4:40
  this.
• 4:41
  And
• 4:41
  the
• 4:41
  first
• 4:41
  one
• 4:41
  is
• 4:42
  this.
• 4:42
  Diligent
• 4:43
  plans
• 4:43
  bring
• 4:43
  profit.
• 4:44
  Now,
• 4:44
  if
• 4:44
  you
• 4:44
  listen
• 4:44
  to
• 4:44
  my
• 4:45
  show
• 4:45
  every
• 4:45
  day,
• 4:45
  or
• 4:45
  maybe
• 4:46
  you
• 4:46
  catch
• 4:46
  it
• 4:46
  once
• 4:47
  a
• 4:47
  week
• 4:47
  or
• 4:47
  something
• 4:47
  like
• 4:47
  that,
• 4:48
  you
• 4:48
  know,
• 4:48
  I
• 4:48
  use
• 4:48
  this
• 4:49
  verse
• 4:49
  quite
• 4:49
  a
• 4:49
  bit
• 4:50
  because
• 4:50
  honestly,
• 4:51
  one
• 4:51
  of
• 4:51
  the
• 4:51
  main
• 4:51
  things
• 4:52
  we
• 4:52
  talk
• 4:52
  about
• 4:53
  if
• 4:53
  we
• 4:53
  want
• 4:53
  to
• 4:53
  become
• 4:53
  a
• 4:54
  financially
• 4:54
  confident
• 4:55
  Christian
• 4:55
  is
• 4:56
  to
• 4:56
  really
• 4:56
  start
• 4:56
  to
• 4:56
  plan.
• 4:57
  So
• 4:57
  let's
• 4:57
  look
• 4:57
  at
• 4:57
  Proverbs,
• 4:58
  chapter
• 4:58
  21,
• 4:59
  verse
• 4:59
  5,
• 5:00
  and
• 5:00
  it
• 5:00
  says
• 5:00
  this.
• 5:01
  The
• 5:02
  plans
• 5:02
  of
• 5:02
  the
• 5:02
  diligent
• 5:03
  lead
• 5:03
  to
• 5:04
  profit
• 5:04
  as
• 5:04
  surely
• 5:05
  as
• 5:05
  haste
• 5:06
  leads
• 5:06
  to
• 5:06
  poverty.
• 5:07
  Well,
• 5:08
  think
• 5:08
  about
• 5:08
  that
• 5:08
  in
• 5:08
  the
• 5:09
  context
• 5:09
  of
• 5:09
  planning
• 5:10
  for
• 5:10
  the
• 5:10
  big
• 5:10
  holiday
• 5:11
  season.
• 5:12
  If
• 5:12
  you're
• 5:12
  diligent
• 5:13
  in
• 5:13
  planning
• 5:13
  for
• 5:13
  that,
• 5:14
  there
• 5:14
  is
• 5:15
  absolutely
• 5:15
  no
• 5:16
  reason
• 5:16
  that
• 5:16
  you
• 5:16
  can't
• 5:17
  plan
• 5:17
  ahead
• 5:17
  and
• 5:18
  go
• 5:18
  into
• 5:18
  the
• 5:18
  holidays
• 5:19
  with
• 5:20
  the
• 5:20
  idea
• 5:20
  of
• 5:20
  being
• 5:21
  festive
• 5:21
  and
• 5:21
  not
• 5:22
  worrying
• 5:22
  about
• 5:22
  or
• 5:23
  having
• 5:23
  that
• 5:23
  fear
• 5:23
  that
• 5:24
  Anxiety
• 5:24
  about
• 5:24
  being
• 5:25
  in
• 5:25
  debt
• 5:25
  for
• 5:25
  months
• 5:26
  and
• 5:26
  months
• 5:26
  and
• 5:26
  months
• 5:27
  after
• 5:27
  that.
• 5:28
  But
• 5:28
  if
• 5:28
  you
• 5:28
  don't,
• 5:29
  that's
• 5:29
  that
• 5:29
  haste
• 5:30
  it
• 5:30
  talks
• 5:30
  about.
• 5:31
  And
• 5:31
  what
• 5:31
  does
• 5:31
  it
• 5:31
  say
• 5:32
  here
• 5:32
  in
• 5:32
  the
• 5:32
  scripture
• 5:33
  that
• 5:33
  haste
• 5:33
  leads
• 5:34
  to
• 5:34
  what?
• 5:34
  Leads
• 5:35
  to
• 5:35
  poverty?
• 5:36
  Well,
• 5:36
  guess
• 5:36
  what?
• 5:38
  That
• 5:38
  poverty.
• 5:38
  That's
• 5:39
  the
• 5:39
  definition
• 5:40
  of
• 5:40
  how
• 5:40
  to
• 5:41
  be
• 5:41
  struggling
• 5:42
  and
• 5:42
  how
• 5:42
  to
• 5:42
  find
• 5:42
  yourself
• 5:43
  in
• 5:43
  that
• 5:43
  anxiety.
• 5:44
  Well,
• 5:44
  let's
• 5:45
  look
• 5:45
  at
• 5:45
  the
• 5:45
  second
• 5:45
  biblical
• 5:46
  principle,
• 5:46
  and
• 5:46
  that's
• 5:47
  prudence.
• 5:48
  Back
• 5:48
  in
• 5:48
  the
• 5:48
  book
• 5:49
  of
• 5:49
  Proverbs,
• 5:49
  chapter
• 5:50
  22,
• 5:50
  verse
• 5:50
  3
• 5:51
  wisely
• 5:51
  states
• 5:52
  this
• 5:52
  again,
• 5:53
  I've
• 5:53
  used
• 5:53
  this
• 5:53
  on
• 5:54
  the
• 5:54
  show
• 5:54
  before
• 5:54
  as
• 5:54
  well.
• 5:55
  That
• 5:55
  prudence
• 5:56
  see
• 5:56
  danger
• 5:57
  and
• 5:57
  take
• 5:57
  refuge.
• 5:58
  But
• 5:59
  the
• 5:59
  simple
• 5:59
  keep
• 5:59
  going
• 6:00
  and
• 6:00
  suffer
• 6:01
  for
• 6:01
  it.
• 6:01
  Yeah,
• 6:01
  see
• 6:02
  like
• 6:02
  I
• 6:02
  said
• 6:02
  a
• 6:02
  few
• 6:02
  minutes
• 6:02
  ago,
• 6:03
  this
• 6:04
  is
• 6:04
  a
• 6:04
  predictable
• 6:05
  thing.
• 6:05
  And
• 6:06
  if
• 6:06
  we're
• 6:06
  being
• 6:06
  prudent,
• 6:07
  we
• 6:07
  see
• 6:07
  that
• 6:07
  now,
• 6:07
  it
• 6:07
  doesn't
• 6:08
  have
• 6:08
  to
• 6:08
  be
• 6:08
  danger.
• 6:08
  That's
• 6:09
  a,
• 6:09
  that's
• 6:09
  not
• 6:09
  exactly
• 6:09
  where
• 6:10
  I'm
• 6:10
  going
• 6:10
  today.
• 6:11
  But
• 6:11
  if
• 6:11
  you
• 6:11
  don't
• 6:12
  take
• 6:12
  refuge,
• 6:12
  if
• 6:13
  you
• 6:13
  don't
• 6:13
  start
• 6:13
  to
• 6:13
  plan
• 6:14
  for
• 6:14
  it,
• 6:15
  you're
• 6:15
  going
• 6:15
  to
• 6:15
  get
• 6:15
  yourself
• 6:16
  in
• 6:16
  trouble.
• 6:16
  Let's
• 6:16
  look
• 6:16
  at
• 6:17
  our
• 6:17
  third
• 6:17
  and
• 6:17
  final
• 6:18
  biblical
• 6:18
  principle
• 6:19
  for
• 6:19
  today.
• 6:19
  And
• 6:20
  that's
• 6:20
  cheerful
• 6:20
  giving.
• 6:21
  And
• 6:21
  that
• 6:21
  comes
• 6:22
  right
• 6:22
  to
• 6:22
  us
• 6:22
  from
• 6:22
  Second
• 6:23
  Corinthians,
• 6:23
  chapter
• 6:24
  9,
• 6:24
  verse
• 6:24
  7,
• 6:25
  where
• 6:25
  God
• 6:25
  says
• 6:26
  this
• 6:26
  God
• 6:26
  loves
• 6:27
  a
• 6:27
  cheerful
• 6:27
  giver.
• 6:29
  And
• 6:29
  that's
• 6:29
  the
• 6:29
  whole
• 6:29
  point
• 6:29
  of
• 6:29
  the
• 6:30
  holiday
• 6:30
  season.
• 6:30
  Hey,
• 6:31
  the
• 6:31
  best
• 6:31
  gift
• 6:31
  we
• 6:31
  ever
• 6:32
  got
• 6:32
  was
• 6:32
  the
• 6:32
  birth
• 6:32
  of
• 6:33
  our
• 6:33
  Savior,
• 6:33
  Jesus
• 6:34
  Christ.
• 6:35
  Well,
• 6:35
  if
• 6:35
  the
• 6:35
  holidays
• 6:36
  become
• 6:36
  this
• 6:36
  source
• 6:37
  of
• 6:37
  stress
• 6:37
  and
• 6:37
  they
• 6:38
  become
• 6:38
  this
• 6:38
  source
• 6:39
  of
• 6:39
  anxiety
• 6:40
  for
• 6:40
  you,
• 6:41
  you're
• 6:41
  not
• 6:41
  really
• 6:41
  being
• 6:42
  a
• 6:42
  cheerful
• 6:42
  giver,
• 6:43
  are
• 6:43
  you?
• 6:44
  See,
• 6:44
  it's
• 6:44
  hard
• 6:45
  to
• 6:45
  be
• 6:45
  cheerful
• 6:46
  when
• 6:46
  you're
• 6:46
  burdened
• 6:46
  by
• 6:47
  debt.
• 6:47
  That's
• 6:47
  just
• 6:47
  a
• 6:48
  factual
• 6:48
  accurately
• 6:49
  statement.
• 6:50
  Remember
• 6:50
  when
• 6:51
  the
• 6:51
  kids
• 6:51
  were
• 6:51
  young,
• 6:51
  I
• 6:51
  was
• 6:52
  so
• 6:52
  worried
• 6:52
  about
• 6:52
  going
• 6:53
  back
• 6:53
  into
• 6:53
  credit
• 6:54
  card
• 6:54
  debt.
• 6:54
  You
• 6:54
  know,
• 6:54
  I
• 6:54
  want
• 6:54
  them
• 6:55
  to
• 6:55
  have
• 6:55
  a
• 6:55
  great
• 6:55
  holiday,
• 6:56
  but
• 6:56
  at
• 6:57
  the
• 6:57
  same
• 6:57
  time,
• 6:57
  I
• 6:57
  didn't
• 6:58
  want
• 6:58
  to
• 6:58
  live
• 6:58
  in
• 6:58
  this
• 6:59
  burden
• 6:59
  of
• 6:59
  debt
• 7:00
  because
• 7:00
  it
• 7:00
  took
• 7:00
  away
• 7:00
  all
• 7:00
  the
• 7:01
  cheer.
• 7:02
  And
• 7:02
  the
• 7:02
  truth
• 7:02
  is,
• 7:03
  if
• 7:03
  we're
• 7:03
  going
• 7:03
  to
• 7:03
  do
• 7:03
  this,
• 7:04
  well,
• 7:04
  debt
• 7:04
  free
• 7:05
  holiday
• 7:05
  praying
• 7:06
  is
• 7:06
  wise
• 7:07
  stewardship,
• 7:07
  it
• 7:08
  just
• 7:08
  is.
• 7:09
  And
• 7:09
  it
• 7:09
  allows
• 7:10
  us
• 7:10
  genuine
• 7:10
  generosity
• 7:11
  and
• 7:12
  hey,
• 7:12
  reduced
• 7:13
  stress.
• 7:14
  And
• 7:14
  it
• 7:14
  frees
• 7:15
  you
• 7:15
  to
• 7:15
  truly
• 7:15
  celebrate
• 7:16
  God's
• 7:16
  blessings
• 7:17
  without
• 7:17
  that
• 7:17
  financial
• 7:18
  regret.
• 7:19
  So
• 7:19
  now
• 7:19
  you're
• 7:20
  like
• 7:20
  Ralph.
• 7:20
  I
• 7:20
  agree.
• 7:21
  How
• 7:21
  do
• 7:21
  we
• 7:21
  do
• 7:21
  this?
• 7:22
  What
• 7:22
  can
• 7:22
  we
• 7:22
  do?
• 7:23
  The
• 7:24
  real
• 7:24
  question
• 7:24
  is
• 7:24
  how
• 7:25
  do
• 7:25
  we
• 7:25
  transform
• 7:25
  the
• 7:26
  dread
• 7:26
  of
• 7:26
  the
• 7:26
  holiday
• 7:26
  bills
• 7:27
  into
• 7:27
  peace,
• 7:28
  joy
• 7:28
  and
• 7:28
  celebration?
• 7:30
  Well,
• 7:30
  I've
• 7:30
  got
• 7:30
  a
• 7:30
  single
• 7:31
  solution
• 7:31
  for
• 7:31
  you
• 7:31
  today
• 7:32
  and
• 7:32
  it's
• 7:32
  really
• 7:32
  pretty
• 7:32
  straightforward.
• 7:33
  I
• 7:34
  want
• 7:34
  you
• 7:34
  to
• 7:34
  intentionally
• 7:35
  create
• 7:35
  a
• 7:35
  dedicated,
• 7:36
  I'm
• 7:36
  going
• 7:36
  to
• 7:36
  call
• 7:36
  it
• 7:36
  the
• 7:36
  Debt
• 7:37
  Free
• 7:37
  Holiday
• 7:38
  Fund
• 7:38
  and
• 7:39
  start
• 7:39
  funding
• 7:39
  it
• 7:40
  right
• 7:40
  now?
• 7:40
  Yes,
• 7:40
  start
• 7:41
  funding
• 7:41
  it
• 7:41
  right
• 7:41
  now.
• 7:41
  In
• 7:42
  August.
• 7:43
  It's
• 7:43
  time
• 7:43
  to
• 7:43
  make
• 7:43
  a
• 7:43
  plan
• 7:44
  for
• 7:44
  holiday
• 7:44
  spending
• 7:45
  that
• 7:45
  aligns
• 7:45
  with
• 7:45
  your
• 7:45
  budget
• 7:46
  and
• 7:46
  your
• 7:46
  values.
• 7:47
  And
• 7:48
  here's
• 7:48
  a
• 7:48
  commitment
• 7:48
  I
• 7:48
  want
• 7:49
  to
• 7:49
  encourage
• 7:49
  you
• 7:49
  to
• 7:49
  make.
• 7:50
  It's
• 7:50
  like
• 7:50
  a
• 7:50
  two
• 7:51
  for
• 7:51
  it.
• 7:51
  Today
• 7:51
  I
• 7:52
  want
• 7:52
  you
• 7:52
  to
• 7:52
  commit
• 7:52
  to
• 7:53
  no
• 7:53
  new
• 7:53
  holiday
• 7:54
  debt.
• 7:55
  Because
• 7:55
  listen
• 7:56
  to
• 7:56
  me,
• 7:56
  proactive
• 7:57
  planning
• 7:57
  for
• 7:57
  a
• 7:58
  truly
• 7:58
  peaceful
• 7:58
  holiday
• 7:59
  season
• 7:59
  is
• 7:59
  possible.
• 8:00
  So
• 8:00
  here's
• 8:00
  your
• 8:01
  one
• 8:01
  action
• 8:01
  step
• 8:02
  for
• 8:02
  today
• 8:02
  with
• 8:02
  the
• 8:03
  goal
• 8:03
  to
• 8:03
  prepare
• 8:03
  for
• 8:04
  a
• 8:04
  debt
• 8:04
  free
• 8:04
  holiday
• 8:05
  season.
• 8:05
  That's
• 8:05
  going
• 8:05
  to
• 8:05
  be
• 8:05
  the
• 8:05
  goal.
• 8:06
  Our
• 8:06
  gift
• 8:06
  to
• 8:07
  ourselves
• 8:07
  is
• 8:08
  we're
• 8:08
  not
• 8:08
  going
• 8:08
  to
• 8:08
  go
• 8:08
  into
• 8:09
  debt.
• 8:09
  So
• 8:10
  the
• 8:10
  first
• 8:10
  thing
• 8:10
  I'm
• 8:10
  going
• 8:10
  to
• 8:11
  say
• 8:11
  that
• 8:11
  you
• 8:11
  should
• 8:12
  do
• 8:12
  is
• 8:12
  estimate
• 8:13
  your
• 8:13
  holiday
• 8:13
  expenses.
• 8:14
  It's
• 8:15
  really
• 8:15
  pretty
• 8:15
  straightforward.
• 8:16
  Brainstorm
• 8:17
  all
• 8:17
  of
• 8:17
  those
• 8:17
  likely
• 8:18
  holiday
• 8:18
  costs.
• 8:19
  Now,
• 8:19
  not
• 8:19
  just
• 8:19
  the
• 8:19
  gifts,
• 8:20
  that's
• 8:20
  one
• 8:20
  of
• 8:20
  the
• 8:20
  things.
• 8:21
  But
• 8:21
  the
• 8:22
  gifts,
• 8:22
  the
• 8:23
  travel
• 8:23
  expenses.
• 8:23
  Maybe
• 8:24
  you
• 8:24
  got
• 8:24
  to
• 8:24
  travel.
• 8:25
  Maybe
• 8:25
  you
• 8:25
  have
• 8:25
  like
• 8:25
  for
• 8:26
  example,
• 8:26
  my,
• 8:26
  my
• 8:27
  older
• 8:27
  son,
• 8:27
  he's
• 8:28
  stationed
• 8:28
  in
• 8:28
  Texas
• 8:29
  in
• 8:29
  the
• 8:29
  Coast
• 8:29
  Guard.
• 8:30
  We
• 8:30
  may
• 8:30
  go
• 8:30
  see
• 8:30
  him
• 8:31
  during
• 8:31
  the
• 8:31
  holidays.
• 8:31
  Well,
• 8:31
  I've
• 8:32
  got
• 8:32
  a
• 8:32
  budget
• 8:32
  for
• 8:32
  that.
• 8:33
  Hey,
• 8:33
  maybe
• 8:33
  you
• 8:34
  have
• 8:34
  a
• 8:34
  big
• 8:34
  set
• 8:35
  out
• 8:35
  at
• 8:35
  your
• 8:35
  house.
• 8:35
  You
• 8:35
  got
• 8:36
  a
• 8:36
  budget
• 8:36
  for
• 8:36
  food
• 8:36
  or
• 8:36
  maybe
• 8:37
  decorations
• 8:38
  are
• 8:38
  important
• 8:38
  to
• 8:38
  you.
• 8:39
  Maybe
• 8:39
  you
• 8:39
  have
• 8:39
  the
• 8:40
  annual
• 8:40
  Christmas
• 8:41
  or
• 8:41
  New
• 8:41
  Year's
• 8:41
  party.
• 8:42
  And
• 8:42
  maybe,
• 8:43
  just
• 8:43
  maybe
• 8:44
  you
• 8:44
  give
• 8:44
  to
• 8:44
  charity
• 8:45
  during
• 8:45
  the
• 8:45
  holidays
• 8:46
  where
• 8:46
  all
• 8:46
  those
• 8:46
  things
• 8:47
  are
• 8:47
  things
• 8:47
  you
• 8:48
  need
• 8:48
  to
• 8:48
  estimate
• 8:48
  when
• 8:49
  you're
• 8:49
  thinking
• 8:49
  about
• 8:49
  your
• 8:50
  holiday
• 8:50
  expenses.
• 8:51
  So
• 8:51
  put
• 8:51
  those
• 8:51
  down
• 8:52
  and
• 8:52
  write
• 8:52
  a
• 8:53
  realistic
• 8:53
  estimate
• 8:54
  next
• 8:54
  to
• 8:54
  each
• 8:54
  of
• 8:55
  those
• 8:55
  for
• 8:55
  that
• 8:55
  total
• 8:56
  anticipated
• 8:57
  cost.
• 8:57
  Hey,
• 8:57
  we
• 8:57
  got
• 8:57
  to
• 8:57
  start
• 8:57
  with
• 8:58
  what
• 8:58
  is
• 8:58
  it
• 8:58
  going
• 8:58
  to
• 8:58
  cost
• 8:59
  us.
• 9:00
  And
• 9:00
  then
• 9:00
  the
• 9:00
  second
• 9:01
  step
• 9:01
  is
• 9:01
  to
• 9:01
  set
• 9:02
  a
• 9:02
  debt
• 9:02
  free
• 9:02
  holiday
• 9:03
  goal.
• 9:03
  And
• 9:03
  I
• 9:04
  want
• 9:04
  you
• 9:04
  to
• 9:04
  make
• 9:04
  a
• 9:04
  firm
• 9:04
  commitment.
• 9:05
  My
• 9:05
  goal
• 9:05
  is
• 9:05
  to
• 9:06
  pay
• 9:06
  for
• 9:06
  all
• 9:06
  the
• 9:07
  holiday
• 9:07
  expenses
• 9:07
  with
• 9:08
  cash
• 9:08
  flow
• 9:08
  from
• 9:08
  a
• 9:09
  dedicated
• 9:09
  fund
• 9:10
  taking
• 9:10
  on
• 9:10
  no
• 9:11
  new
• 9:11
  debt.
• 9:11
  Just
• 9:12
  think
• 9:12
  about
• 9:12
  how
• 9:12
  liberating
• 9:13
  that
• 9:13
  is
• 9:13
  as
• 9:13
  you
• 9:14
  say
• 9:14
  this.
• 9:15
  So
• 9:15
  write
• 9:15
  that
• 9:15
  goal
• 9:16
  down
• 9:16
  because
• 9:16
  this
• 9:16
  is
• 9:17
  your
• 9:17
  commitment
• 9:17
  to
• 9:17
  peace.
• 9:18
  And
• 9:19
  then
• 9:19
  the
• 9:19
  third
• 9:19
  step
• 9:19
  to
• 9:20
  this
• 9:20
  is
• 9:20
  create
• 9:20
  a
• 9:21
  fund
• 9:21
  called
• 9:21
  your
• 9:21
  holiday
• 9:22
  sinking
• 9:22
  fund.
• 9:22
  I'm
• 9:23
  gonna
• 9:23
  encourage
• 9:23
  you
• 9:23
  to
• 9:24
  set
• 9:24
  up
• 9:24
  a
• 9:24
  separate
• 9:25
  savings
• 9:25
  spot.
• 9:26
  Maybe
• 9:26
  that's
• 9:26
  a
• 9:27
  dedicated
• 9:27
  savings
• 9:28
  account
• 9:28
  or
• 9:28
  maybe
• 9:29
  it's
• 9:29
  just
• 9:29
  an
• 9:29
  envelope.
• 9:30
  Or
• 9:30
  use
• 9:30
  your
• 9:31
  budgeting
• 9:31
  app
• 9:31
  and
• 9:32
  label
• 9:32
  it
• 9:32
  holiday
• 9:33
  fund.
• 9:33
  I
• 9:34
  know
• 9:34
  many
• 9:34
  moons
• 9:35
  ago
• 9:35
  when
• 9:35
  I
• 9:35
  used
• 9:35
  to
• 9:35
  run
• 9:36
  a
• 9:36
  credit
• 9:36
  union,
• 9:36
  we
• 9:36
  used
• 9:37
  to
• 9:37
  have
• 9:37
  holiday
• 9:37
  accounts.
• 9:38
  There
• 9:38
  was
• 9:38
  the
• 9:38
  Christmas
• 9:39
  fund
• 9:40
  and
• 9:40
  people
• 9:40
  would
• 9:40
  set
• 9:41
  those
• 9:41
  up
• 9:41
  at
• 9:41
  the
• 9:41
  beginning
• 9:42
  of
• 9:42
  the
• 9:42
  year
• 9:42
  and
• 9:42
  just
• 9:42
  start
• 9:42
  funding
• 9:43
  those
• 9:43
  month
• 9:43
  after
• 9:44
  month
• 9:45
  and
• 9:45
  then
• 9:45
  calculate
• 9:46
  how
• 9:46
  much
• 9:46
  to
• 9:46
  save
• 9:46
  weekly
• 9:47
  or
• 9:47
  monthly
• 9:47
  until
• 9:48
  you
• 9:48
  reach
• 9:48
  that
• 9:49
  desired
• 9:49
  shopping
• 9:50
  completion
• 9:50
  date.
• 9:50
  And
• 9:50
  maybe
• 9:51
  for
• 9:51
  you,
• 9:51
  hey,
• 9:51
  I
• 9:51
  got
• 9:52
  to
• 9:52
  have
• 9:52
  this
• 9:52
  all
• 9:52
  done
• 9:53
  by
• 9:53
  the
• 9:53
  15th
• 9:54
  of
• 9:54
  December.
• 9:55
  Then
• 9:55
  I'm
• 9:55
  going
• 9:55
  to
• 9:56
  encourage
• 9:56
  you
• 9:56
  to
• 9:56
  do
• 9:56
  one
• 9:56
  more
• 9:57
  thing.
• 9:57
  This
• 9:57
  is
• 9:57
  kind
• 9:57
  of
• 9:57
  like
• 9:57
  a
• 9:58
  little
• 9:58
  bonus
• 9:58
  pro
• 9:58
  tip.
• 9:59
  I
• 9:59
  encourage
• 10:00
  you
• 10:00
  to
• 10:00
  start
• 10:00
  shopping
• 10:01
  early,
• 10:01
  even
• 10:01
  if
• 10:01
  it's
• 10:02
  just
• 10:02
  one
• 10:02
  gift.
• 10:03
  Identify
• 10:04
  one
• 10:04
  gift
• 10:04
  on
• 10:05
  your
• 10:05
  list
• 10:05
  that
• 10:05
  you
• 10:05
  can
• 10:05
  purchase
• 10:06
  now.
• 10:06
  Maybe
• 10:06
  something
• 10:07
  on
• 10:07
  sale,
• 10:07
  something
• 10:08
  that's
• 10:08
  not
• 10:08
  going
• 10:08
  to
• 10:08
  spoil.
• 10:09
  This
• 10:09
  isn't
• 10:09
  time
• 10:09
  to
• 10:10
  buy
• 10:10
  something
• 10:10
  that's
• 10:10
  going
• 10:10
  to
• 10:10
  spoil.
• 10:11
  But
• 10:12
  think
• 10:12
  about
• 10:12
  it.
• 10:12
  You
• 10:12
  can
• 10:13
  spread
• 10:13
  out
• 10:13
  the
• 10:13
  cost
• 10:14
  and
• 10:14
  start
• 10:14
  to
• 10:14
  build
• 10:15
  that
• 10:15
  early
• 10:15
  momentum
• 10:17
  because
• 10:17
  I
• 10:17
  want
• 10:17
  you
• 10:17
  to
• 10:17
  fight
• 10:18
  that
• 10:18
  struggle
• 10:18
  and
• 10:19
  stress
• 10:19
  of
• 10:19
  holiday
• 10:20
  financial
• 10:20
  pressure.
• 10:20
  That's
• 10:21
  not
• 10:21
  a
• 10:21
  fun
• 10:21
  place
• 10:21
  to
• 10:22
  be.
• 10:22
  You
• 10:22
  want
• 10:22
  to
• 10:23
  be
• 10:23
  cheerful.
• 10:23
  You
• 10:23
  really
• 10:24
  truly
• 10:24
  want
• 10:24
  to
• 10:24
  celebrate
• 10:25
  the
• 10:25
  holiday
• 10:26
  and
• 10:26
  by
• 10:26
  doing
• 10:27
  this
• 10:27
  it's
• 10:27
  going
• 10:27
  to
• 10:27
  transform
• 10:28
  that
• 10:28
  vague
• 10:29
  worry
• 10:29
  that
• 10:29
  I'm
• 10:30
  not
• 10:30
  really
• 10:30
  sure
• 10:30
  what
• 10:30
  the
• 10:30
  holidays
• 10:31
  are
• 10:31
  going
• 10:31
  to
• 10:31
  cost
• 10:31
  me.
• 10:32
  Ralph.
• 10:33
  It's
• 10:33
  going
• 10:33
  to
• 10:33
  transform
• 10:34
  that
• 10:34
  into
• 10:34
  a
• 10:35
  concrete
• 10:35
  plan
• 10:35
  and
• 10:36
  then
• 10:36
  you
• 10:36
  can
• 10:36
  truly
• 10:37
  spread
• 10:37
  out
• 10:37
  the
• 10:37
  financial
• 10:38
  impact
• 10:38
  and
• 10:38
  and
• 10:39
  avoid
• 10:39
  those
• 10:39
  last
• 10:40
  minute
• 10:40
  scrambles
• 10:41
  that
• 10:41
  usually
• 10:41
  lead
• 10:42
  to
• 10:42
  debt.
• 10:43
  Giving
• 10:43
  you
• 10:43
  peace
• 10:44
  and
• 10:44
  genuine
• 10:45
  joy
• 10:45
  knowing
• 10:46
  that
• 10:46
  you've
• 10:46
  planned
• 10:46
  and
• 10:47
  prepared.
• 10:48
  Why
• 10:48
  about
• 10:48
  we
• 10:48
  pray
• 10:49
  together
• 10:49
  now.
• 10:50
  Father
• 10:50
  God,
• 10:50
  we
• 10:50
  just
• 10:51
  thank
• 10:51
  you
• 10:51
  for
• 10:51
  the
• 10:51
  joy
• 10:51
  of
• 10:52
  celebration
• 10:52
  and
• 10:53
  the
• 10:53
  spirit
• 10:53
  of
• 10:53
  giving.
• 10:54
  And
• 10:54
  Lord,
• 10:55
  we
• 10:55
  confess
• 10:55
  that
• 10:55
  the
• 10:55
  holiday
• 10:56
  season
• 10:56
  often
• 10:56
  brings
• 10:57
  financial
• 10:57
  anxiety
• 10:58
  due
• 10:58
  to
• 10:59
  these
• 10:59
  unplanned
• 11:00
  expenses.
• 11:00
  Lord,
• 11:01
  we
• 11:01
  just
• 11:02
  ask
• 11:02
  that
• 11:02
  you
• 11:02
  would
• 11:02
  grant
• 11:02
  us
• 11:03
  wisdom,
• 11:03
  Lord
• 11:03
  and
• 11:03
  foresight
• 11:04
  in
• 11:04
  planning
• 11:05
  for
• 11:05
  these
• 11:05
  expenses.
• 11:07
  Help
• 11:07
  us
• 11:07
  to
• 11:07
  be
• 11:07
  diligent
• 11:08
  in
• 11:08
  saving
• 11:08
  for
• 11:09
  a
• 11:09
  debt
• 11:09
  free
• 11:09
  holiday.
• 11:10
  Lord,
• 11:10
  guide
• 11:10
  us
• 11:11
  to
• 11:11
  give
• 11:11
  cheerfully
• 11:12
  and
• 11:12
  to
• 11:12
  celebrate
• 11:13
  your
• 11:13
  blessings
• 11:13
  with
• 11:13
  peace
• 11:14
  and
• 11:14
  not
• 11:14
  stress
• 11:15
  and
• 11:15
  not
• 11:15
  financial
• 11:16
  strain
• 11:16
  or
• 11:16
  anxiety.
• 11:18
  And
• 11:18
  we
• 11:18
  ask
• 11:19
  this
• 11:19
  in
• 11:19
  confidence
• 11:19
  in
• 11:20
  Jesus
• 11:20
  name.
• 11:21
  Amen.
• 11:23
  Listen
• 11:23
  friend,
• 11:24
  a
• 11:24
  debt
• 11:25
  free
• 11:25
  holiday
• 11:25
  season
• 11:26
  isn't
• 11:26
  just
• 11:26
  a
• 11:27
  dream.
• 11:27
  It's
• 11:28
  so
• 11:28
  much
• 11:28
  bigger
• 11:28
  than
• 11:28
  that.
• 11:29
  It's
• 11:29
  achievable.
• 11:30
  It's
• 11:30
  a
• 11:30
  reality
• 11:31
  if
• 11:31
  you
• 11:32
  work
• 11:32
  savvy
• 11:33
  and
• 11:33
  you
• 11:33
  have
• 11:33
  an
• 11:33
  intentional
• 11:34
  plan
• 11:34
  in
• 11:34
  place.
• 11:35
  So
• 11:36
  I'm
• 11:36
  going
• 11:36
  to
• 11:36
  encourage
• 11:36
  you,
• 11:36
  take
• 11:36
  that
• 11:37
  step
• 11:37
  today
• 11:37
  to
• 11:37
  set
• 11:38
  up
• 11:38
  that
• 11:38
  holiday
• 11:38
  fund
• 11:39
  and
• 11:39
  make
• 11:39
  your
• 11:40
  first
• 11:40
  contribution.
• 11:41
  You're
• 11:42
  moving
• 11:42
  towards
• 11:42
  true
• 11:43
  freedom.
• 11:44
  And
• 11:44
  if
• 11:44
  this
• 11:44
  episode
• 11:45
  has
• 11:45
  resonated
• 11:45
  with
• 11:46
  you
• 11:46
  or
• 11:46
  maybe
• 11:46
  the
• 11:46
  show
• 11:46
  is
• 11:47
  really
• 11:47
  connecting
• 11:48
  with
• 11:48
  you,
• 11:48
  I
• 11:48
  want
• 11:48
  to
• 11:48
  ask
• 11:49
  you
• 11:49
  to
• 11:49
  consider
• 11:49
  sharing
• 11:50
  it
• 11:50
  with
• 11:50
  somebody
• 11:50
  else
• 11:50
  who
• 11:51
  might
• 11:51
  need
• 11:51
  to
• 11:51
  hear
• 11:52
  what
• 11:52
  we
• 11:52
  talk
• 11:52
  about
• 11:52
  on
• 11:52
  the
• 11:53
  show
• 11:53
  every
• 11:53
  day.
• 11:53
  You
• 11:54
  can
• 11:54
  find
• 11:54
  resources
• 11:55
  and
• 11:55
  connect
• 11:55
  with
• 11:55
  the
• 11:55
  show
• 11:56
  right
• 11:56
  at
• 11:56
  our
• 11:56
  website.
• 11:57
  That's
• 11:57
  financiallyconfidentchristian.com
• 12:00
  hey,
• 12:00
  send
• 12:00
  them
• 12:00
  a
• 12:01
  text,
• 12:01
  send
• 12:01
  them
• 12:01
  an
• 12:01
  email
• 12:02
  or
• 12:02
  maybe
• 12:02
  talk
• 12:02
  about
• 12:02
  it
• 12:03
  in
• 12:03
  your
• 12:03
  Bible
• 12:03
  study
• 12:04
  or
• 12:04
  your
• 12:04
  group
• 12:04
  that
• 12:05
  you
• 12:05
  get
• 12:05
  together
• 12:05
  and
• 12:05
  say
• 12:05
  hey,
• 12:06
  you
• 12:06
  know
• 12:06
  what
• 12:06
  this
• 12:06
  guy's
• 12:07
  talking
• 12:07
  about
• 12:07
  Christmas
• 12:08
  in
• 12:08
  August.
• 12:09
  He's
• 12:09
  lost
• 12:09
  his
• 12:10
  mind.
• 12:10
  But
• 12:10
  he
• 12:10
  makes
• 12:10
  a
• 12:11
  really
• 12:11
  good
• 12:11
  point.
• 12:11
  So
• 12:11
  I'm
• 12:12
  going
• 12:12
  to
• 12:12
  encourage
• 12:12
  you
• 12:12
  to
• 12:12
  share
• 12:13
  the
• 12:13
  show.
• 12:13
  Now,
• 12:14
  tomorrow
• 12:14
  we'll
• 12:14
  be
• 12:15
  talking
• 12:15
  about
• 12:15
  another
• 12:16
  crucial
• 12:16
  annual
• 12:17
  financial
• 12:17
  touch
• 12:18
  point,
• 12:18
  and
• 12:19
  that
• 12:19
  is
• 12:19
  this,
• 12:20
  how
• 12:20
  to
• 12:20
  review
• 12:20
  your
• 12:21
  financial
• 12:21
  goals
• 12:21
  for
• 12:22
  the
• 12:22
  rest
• 12:22
  of
• 12:22
  the
• 12:22
  year.
• 12:22
  I
• 12:23
  want
• 12:23
  to
• 12:23
  give
• 12:23
  you
• 12:23
  a
• 12:24
  plan
• 12:24
  for
• 12:24
  the
• 12:24
  rest
• 12:25
  of
• 12:25
  the
• 12:25
  year
• 12:25
  so
• 12:25
  you
• 12:25
  can
• 12:26
  be
• 12:26
  on
• 12:26
  track
• 12:26
  to
• 12:27
  hit
• 12:27
  your
• 12:27
  targets
• 12:27
  before
• 12:28
  year
• 12:28
  end.
• 12:28
  So
• 12:29
  you
• 12:29
  don't
• 12:29
  want
• 12:29
  to
• 12:29
  miss
• 12:29
  tomorrow's
• 12:30
  show.
• 12:30
  So
• 12:31
  make
• 12:31
  sure
• 12:31
  you
• 12:31
  join
• 12:31
  me.
• 12:32
  Let's
• 12:32
  all
• 12:32
  go
• 12:32
  out
• 12:33
  there
• 12:33
  and
• 12:33
  be
• 12:33
  those
• 12:34
  financially
• 12:34
  confident
• 12:35
  Christians
• 12:35
  that
• 12:35
  we
• 12:35
  strive
• 12:36
  to
• 12:36
  be.
• 12:36
  You
• 12:37
  can
• 12:37
  do
• 12:37
  this.
• 12:38
  I
• 12:38
  have
• 12:38
  confidence
• 12:39
  in
• 12:39
  you.
• 12:39
  Have
• 12:40
  confidence
• 12:40
  in
• 12:40
  yourself.
• 12:41
  Stay
• 12:41
  financially
• 12:42
  savvy,
• 12:42
  God
• 12:43
  bless
• 12:43
  you,
• 12:43
  and
• 12:43
  you
• 12:44
  have
• 12:44
  a
• 12:44
  great
• 12:44
  day.