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Transcript

How Do You Learn to Live, Not Just Survive? · Becoming Financially Confident

• 0:37
  What
• 0:37
  do
• 0:37
  you
• 0:37
  do
• 0:38
  when
• 0:38
  your
• 0:38
  income
• 0:38
  has
• 0:39
  changed
• 0:39
  but
• 0:40
  your
• 0:40
  nervous
• 0:40
  system
• 0:41
  still
• 0:41
  lives
• 0:41
  in
• 0:41
  survival
• 0:42
  mode?
• 0:43
  What
• 0:43
  if
• 0:43
  you
• 0:43
  can
• 0:43
  afford
• 0:44
  better?
• 0:45
  You
• 0:45
  want
• 0:45
  better,
• 0:46
  but
• 0:46
  you
• 0:47
  still
• 0:47
  feel
• 0:47
  uneasy
• 0:48
  every
• 0:48
  time
• 0:48
  you
• 0:48
  spend
• 0:49
  on
• 0:49
  yourself.
• 0:50
  Not
• 0:50
  because
• 0:51
  you're
• 0:51
  careless,
• 0:52
  not
• 0:52
  because
• 0:53
  you're
• 0:53
  greedy,
• 0:54
  because
• 0:54
  for
• 0:55
  a
• 0:55
  long
• 0:55
  time
• 0:55
  spending
• 0:56
  meant
• 0:56
  danger.
• 0:57
  So
• 0:58
  now
• 0:58
  you
• 0:58
  save,
• 0:59
  you
• 0:59
  invest,
• 1:00
  you
• 1:00
  work
• 1:00
  hard,
• 1:02
  and
• 1:02
  you
• 1:02
  keep
• 1:02
  living
• 1:03
  like
• 1:03
  one
• 1:03
  emergency
• 1:04
  away
• 1:04
  from
• 1:04
  losing
• 1:05
  everything.
• 1:06
  And
• 1:07
  somewhere
• 1:07
  deep
• 1:07
  down,
• 1:08
  you're
• 1:08
  asking
• 1:09
  a
• 1:09
  really
• 1:09
  honest
• 1:10
  question.
• 1:11
  How
• 1:11
  do
• 1:11
  you
• 1:11
  learn
• 1:12
  to
• 1:12
  live
• 1:12
  with
• 1:12
  gratitude
• 1:13
  and
• 1:14
  wisdom
• 1:15
  without
• 1:15
  feeling
• 1:15
  guilty
• 1:16
  for
• 1:16
  no
• 1:16
  longer
• 1:17
  living
• 1:17
  in
• 1:17
  survival
• 1:18
  mode?
• 1:18
  That's
• 1:19
  what
• 1:19
  we're
• 1:19
  breaking
• 1:19
  down
• 1:20
  on
• 1:20
  today's
• 1:20
  show.
• 1:29
  Hey,
• 1:29
  friend.
• 1:30
  I'm
• 1:30
  Ralph
• 1:30
  Estep
• 1:31
  Jr.
• 1:31
  I
• 1:31
  want
• 1:32
  to
• 1:32
  welcome
• 1:32
  you
• 1:33
  to
• 1:33
  Financially
• 1:33
  Christian.Todaywe're
• 1:35
  talkingaboutsomethingthat
• 1:36
  doesn'tgetdiscussedenough.
• 1:38
  Whathappenswhenyourincomeimproves,butyour
• 1:41
  habits
• 1:41
  andyouremotionsare
• 1:42
  stillshapedbypovertybecauseyoucanlookfinanciallystableonpaper.Andinternally,youstillfeelconfusedabouthowto
• 1:50
  spendmoneyinahealthyandpeacefulway.
• 1:53
  Andthisis
• 1:54
  aboutmorethanproductsandpurchases.It'sabouthealing,it'saboutstewardship.Andit'saboutlearningthatsurvivalisnot
• 2:02
  thesameasfaithfulliving.Well,todaywe
• 2:05
  gota
• 2:05
  great
• 2:06
  audiomessageandI'mgoingto
• 2:07
  playthatrightnow.
• 2:08
  Hi,
• 2:09
  Ralph.
• 2:10
  So
• 2:11
  this
• 2:11
  might
• 2:11
  sound
• 2:12
  strange,
• 2:12
  but
• 2:13
  I've
• 2:13
  got
• 2:13
  something
• 2:14
  I've
• 2:14
  been
• 2:14
  wanting
• 2:14
  to
• 2:14
  ask
• 2:15
  you
• 2:15
  about.
• 2:16
  I
• 2:17
  grew
• 2:17
  up
• 2:17
  in
• 2:18
  serious
• 2:18
  poverty,
• 2:19
  like
• 2:20
  literal
• 2:20
  starvation
• 2:21
  kind
• 2:21
  of
• 2:22
  poverty
• 2:22
  in
• 2:22
  another
• 2:23
  country.
• 2:24
  And
• 2:25
  now
• 2:25
  I'm
• 2:25
  in
• 2:25
  my
• 2:25
  late
• 2:25
  twenties
• 2:26
  making
• 2:26
  decent
• 2:27
  money.
• 2:28
  I
• 2:28
  work
• 2:29
  full
• 2:29
  time
• 2:29
  in
• 2:29
  an
• 2:29
  office,
• 2:30
  do
• 2:31
  some
• 2:31
  side
• 2:31
  work
• 2:32
  and
• 2:32
  dance
• 2:32
  at
• 2:32
  clubs
• 2:33
  on
• 2:33
  weekends.
• 2:34
  I
• 2:35
  make
• 2:35
  around
• 2:35
  20,000
• 2:36
  Canadian
• 2:37
  a
• 2:37
  month
• 2:37
  before
• 2:38
  tax.
• 2:39
  But
• 2:39
  here's
• 2:40
  the
• 2:40
  thing.
• 2:41
  I
• 2:41
  have
• 2:42
  no
• 2:42
  idea
• 2:42
  what
• 2:43
  to
• 2:43
  do
• 2:43
  with
• 2:43
  it.
• 2:44
  I
• 2:45
  still
• 2:45
  eat
• 2:45
  frozen
• 2:46
  meals
• 2:46
  and
• 2:46
  instant
• 2:47
  noodles.
• 2:48
  My
• 2:48
  clothes
• 2:49
  are
• 2:49
  from
• 2:49
  high
• 2:49
  school.
• 2:50
  I
• 2:51
  only
• 2:51
  buy
• 2:51
  stuff
• 2:51
  on
• 2:52
  sale.
• 2:53
  It's
• 2:53
  like
• 2:54
  my
• 2:54
  brain
• 2:54
  never
• 2:55
  caught
• 2:55
  up
• 2:55
  to
• 2:55
  having
• 2:56
  money,
• 2:56
  you
• 2:56
  know?
• 2:58
  Recently
• 2:58
  I
• 2:59
  bought
• 2:59
  this
• 2:59
  health
• 2:59
  tracking
• 3:00
  device
• 3:01
  just
• 3:01
  kind
• 3:01
  of
• 3:01
  randomly
• 3:02
  and
• 3:03
  it's
• 3:03
  been
• 3:03
  life
• 3:04
  changing.
• 3:05
  I
• 3:05
  didn't
• 3:05
  expect
• 3:06
  that
• 3:06
  at
• 3:06
  all.
• 3:07
  That's
• 3:08
  when
• 3:08
  I
• 3:08
  realized
• 3:09
  I've
• 3:10
  never
• 3:10
  actually
• 3:11
  owned
• 3:11
  or
• 3:11
  tried
• 3:12
  decent
• 3:12
  things.
• 3:13
  I
• 3:14
  don't
• 3:14
  know
• 3:14
  what
• 3:14
  good
• 3:15
  quality
• 3:15
  looks
• 3:15
  like
• 3:16
  because
• 3:16
  I've
• 3:16
  never
• 3:17
  had
• 3:17
  it.
• 3:18
  So
• 3:18
  now
• 3:18
  I'm
• 3:19
  putting
• 3:19
  most
• 3:19
  of
• 3:19
  my
• 3:20
  money
• 3:20
  into
• 3:20
  investments,
• 3:21
  living
• 3:22
  exactly
• 3:23
  like
• 3:23
  I
• 3:23
  did
• 3:23
  when
• 3:23
  I
• 3:23
  was
• 3:24
  broke.
• 3:26
  I
• 3:26
  think
• 3:26
  I
• 3:26
  need
• 3:27
  to
• 3:27
  learn
• 3:27
  how
• 3:27
  to
• 3:27
  actually
• 3:28
  live,
• 3:29
  not
• 3:29
  just
• 3:29
  survive.
• 3:31
  I'm
• 3:31
  a
• 3:31
  single
• 3:32
  woman
• 3:32
  with
• 3:32
  a
• 3:32
  dog
• 3:33
  living
• 3:33
  in
• 3:34
  Canada.
• 3:35
  Travel's
• 3:36
  my
• 3:36
  only
• 3:36
  hobby.
• 3:37
  Hostels,
• 3:38
  Airbnbs
• 3:39
  with
• 3:39
  strangers,
• 3:40
  that
• 3:40
  kind
• 3:41
  of
• 3:41
  thing.
• 3:42
  What
• 3:42
  I'm
• 3:43
  really
• 3:43
  asking
• 3:43
  is
• 3:44
  what
• 3:44
  are
• 3:45
  some
• 3:45
  decent
• 3:46
  nice
• 3:46
  things
• 3:46
  I
• 3:47
  could
• 3:47
  spend
• 3:47
  money
• 3:48
  on
• 3:48
  that
• 3:48
  actually
• 3:49
  make
• 3:49
  your
• 3:49
  day
• 3:50
  to
• 3:50
  day
• 3:50
  better.
• 3:51
  Not
• 3:52
  crazy
• 3:52
  expensive,
• 3:53
  just
• 3:54
  what
• 3:54
  helps.
• 3:55
  And
• 3:55
  how
• 3:56
  do
• 3:56
  I
• 3:56
  make
• 3:56
  traveling
• 3:57
  more
• 3:57
  comfortable
• 3:57
  too?
• 3:59
  I'd
• 3:59
  really
• 3:59
  appreciate
• 4:00
  your
• 4:00
  thoughts
• 4:01
  on
• 4:01
  this.
• 4:02
  Thank
• 4:02
  you
• 4:02
  Ralph.
• 4:04
  What
• 4:04
  an
• 4:04
  honest
• 4:05
  and
• 4:05
  open
• 4:05
  question
• 4:06
  today.
• 4:07
  And
• 4:07
  thank
• 4:07
  you
• 4:07
  so
• 4:08
  much
• 4:08
  for
• 4:08
  sending
• 4:08
  that
• 4:08
  in.
• 4:09
  If
• 4:09
  you
• 4:09
  want
• 4:09
  to
• 4:09
  send
• 4:09
  us
• 4:10
  a
• 4:10
  voicemail,
• 4:10
  you
• 4:10
  can
• 4:10
  go
• 4:11
  to
• 4:11
  financiallyconfidentchristian.com
• 4:14
  we'll
• 4:15
  put
• 4:15
  a
• 4:15
  link
• 4:15
  in
• 4:15
  the
• 4:15
  show
• 4:15
  notes.
• 4:16
  But
• 4:16
  what
• 4:17
  I
• 4:17
  love
• 4:17
  about
• 4:17
  this
• 4:17
  is
• 4:18
  God
• 4:18
  has
• 4:18
  brought
• 4:19
  you
• 4:19
  out
• 4:19
  of
• 4:19
  survival,
• 4:20
  but
• 4:21
  it's
• 4:21
  not
• 4:21
  wasteful
• 4:21
  to
• 4:22
  build
• 4:22
  a
• 4:22
  life
• 4:22
  that's
• 4:22
  healthy,
• 4:23
  that's
• 4:24
  stable
• 4:24
  and
• 4:25
  humane.
• 4:25
  So
• 4:26
  let's
• 4:26
  get
• 4:26
  into
• 4:26
  it
• 4:26
  today.
• 4:27
  I
• 4:27
  want
• 4:28
  to
• 4:28
  start
• 4:28
  by
• 4:28
  naming
• 4:29
  what's
• 4:29
  really
• 4:29
  happening
• 4:30
  here.
• 4:31
  What
• 4:31
  you're
• 4:31
  talking
• 4:32
  about
• 4:32
  is
• 4:32
  not
• 4:33
  a
• 4:33
  spending
• 4:33
  problem.
• 4:34
  What
• 4:34
  you're
• 4:35
  really
• 4:35
  referring
• 4:35
  to
• 4:36
  is
• 4:36
  what
• 4:36
  I'll
• 4:36
  call
• 4:36
  a
• 4:36
  poverty
• 4:37
  impend
• 4:38
  problem.
• 4:39
  When
• 4:39
  you
• 4:39
  grow
• 4:40
  up
• 4:40
  in
• 4:40
  deprivation
• 4:41
  and
• 4:41
  you
• 4:41
  certainly
• 4:42
  live
• 4:42
  there,
• 4:43
  your
• 4:43
  brain
• 4:44
  learns
• 4:44
  that
• 4:44
  comfort
• 4:44
  is
• 4:45
  risky
• 4:45
  and
• 4:46
  upgrades
• 4:46
  are
• 4:46
  irresponsible.
• 4:48
  But
• 4:48
  now
• 4:49
  you've
• 4:49
  told
• 4:49
  me
• 4:49
  you've
• 4:49
  got
• 4:50
  strong
• 4:50
  income
• 4:51
  and
• 4:51
  you
• 4:51
  still
• 4:51
  feel
• 4:52
  internally
• 4:52
  unsafe.
• 4:54
  That
• 4:54
  means
• 4:55
  your
• 4:55
  financial
• 4:55
  lives
• 4:55
  need
• 4:56
  wisdom
• 4:56
  and
• 4:57
  your
• 4:57
  heart
• 4:57
  needs
• 4:58
  gentleness.
• 4:59
  You
• 4:59
  don't
• 4:59
  have
• 4:59
  to
• 5:00
  apologize
• 5:00
  for
• 5:00
  outgrowing
• 5:01
  survival
• 5:01
  mode
• 5:03
  and
• 5:03
  also
• 5:03
  normalized
• 5:04
  attention.
• 5:06
  A
• 5:06
  lot
• 5:06
  of
• 5:06
  people
• 5:06
  who
• 5:07
  came
• 5:07
  from
• 5:07
  where
• 5:07
  you
• 5:07
  are,
• 5:08
  from
• 5:08
  a
• 5:08
  place
• 5:08
  of
• 5:09
  scarcity
• 5:10
  don't
• 5:10
  know
• 5:11
  how
• 5:11
  to
• 5:11
  spend
• 5:11
  without
• 5:11
  guilt.
• 5:13
  But
• 5:13
  you
• 5:13
  got
• 5:13
  to
• 5:13
  remind
• 5:14
  yourself
• 5:14
  that
• 5:14
  stewardship
• 5:15
  is
• 5:15
  not
• 5:15
  the
• 5:15
  same
• 5:16
  as
• 5:16
  permanent
• 5:16
  self
• 5:17
  denial.
• 5:17
  Because
• 5:17
  that's
• 5:17
  what
• 5:18
  I
• 5:18
  think
• 5:18
  you're
• 5:18
  in
• 5:18
  right
• 5:18
  now.
• 5:19
  You're
• 5:19
  in
• 5:19
  this
• 5:20
  stage
• 5:20
  of
• 5:20
  permanent
• 5:21
  self
• 5:21
  denial.
• 5:23
  So
• 5:23
  let's
• 5:23
  talk
• 5:23
  about
• 5:23
  how
• 5:23
  do
• 5:24
  you
• 5:24
  break
• 5:24
  free
• 5:24
  of
• 5:24
  that?
• 5:25
  I
• 5:25
  want
• 5:26
  you
• 5:26
  to
• 5:26
  build
• 5:26
  a
• 5:26
  quality
• 5:27
  of
• 5:27
  life
• 5:27
  category
• 5:28
  on
• 5:28
  purpose.
• 5:28
  You
• 5:29
  said,
• 5:29
  hey,
• 5:29
  Ruff,
• 5:29
  where
• 5:29
  do
• 5:30
  I
• 5:30
  spend
• 5:30
  my
• 5:30
  money?
• 5:31
  You
• 5:32
  don't
• 5:32
  create
• 5:32
  room
• 5:32
  for
• 5:33
  thoughtful
• 5:33
  spending.
• 5:33
  If
• 5:34
  you
• 5:34
  don't
• 5:34
  do
• 5:34
  that,
• 5:35
  you're
• 5:35
  going
• 5:35
  to
• 5:35
  either
• 5:36
  underspend
• 5:36
  for
• 5:37
  years
• 5:37
  or
• 5:37
  you're
• 5:38
  going
• 5:38
  to
• 5:38
  splurge
• 5:38
  randomly
• 5:39
  when
• 5:39
  you're
• 5:39
  exhausted.
• 5:40
  And
• 5:40
  that's
• 5:40
  unfortunately
• 5:41
  what
• 5:41
  happens
• 5:41
  to
• 5:41
  a
• 5:41
  lot
• 5:41
  of
• 5:42
  people.
• 5:42
  So
• 5:43
  how
• 5:43
  do
• 5:43
  you
• 5:43
  battle
• 5:43
  that?
• 5:44
  You
• 5:44
  give
• 5:44
  yourself
• 5:45
  a
• 5:45
  monthly
• 5:45
  line
• 5:46
  item
• 5:46
  called
• 5:47
  quality
• 5:47
  of
• 5:47
  life,
• 5:48
  do
• 5:48
  some
• 5:49
  lifestyle
• 5:49
  upgrades.
• 5:49
  We're
• 5:50
  going
• 5:50
  to
• 5:50
  talk
• 5:50
  about
• 5:50
  some
• 5:50
  great
• 5:50
  ones
• 5:51
  today.
• 5:51
  Or
• 5:51
  some
• 5:52
  daily
• 5:52
  comfort.
• 5:53
  Maybe
• 5:53
  start
• 5:53
  with
• 5:54
  a
• 5:54
  fixed
• 5:54
  amount.
• 5:54
  You
• 5:54
  can
• 5:55
  spend
• 5:55
  guilt
• 5:55
  free
• 5:56
  because
• 5:56
  the
• 5:57
  decision
• 5:57
  was
• 5:57
  already
• 5:57
  made
• 5:58
  in
• 5:58
  the
• 5:58
  budget.
• 5:58
  You
• 5:58
  don't
• 5:58
  have
• 5:58
  to
• 5:58
  worry
• 5:59
  about
• 5:59
  it.
• 6:00
  And
• 6:00
  that
• 6:00
  turns
• 6:00
  that
• 6:01
  spending
• 6:01
  from
• 6:01
  emotional
• 6:02
  improvisation
• 6:03
  into
• 6:04
  intentional
• 6:04
  stewardship.
• 6:05
  Now
• 6:06
  you
• 6:06
  might
• 6:06
  choose
• 6:06
  a
• 6:06
  percentage
• 6:07
  or
• 6:07
  even
• 6:07
  a
• 6:07
  flat
• 6:08
  dollar
• 6:08
  amount.
• 6:09
  The
• 6:09
  exact
• 6:10
  number
• 6:10
  matters
• 6:10
  less
• 6:11
  than
• 6:11
  the
• 6:11
  habit
• 6:12
  of
• 6:12
  permission
• 6:13
  with
• 6:13
  the
• 6:13
  boundaries.
• 6:15
  A
• 6:15
  budget
• 6:15
  isn't
• 6:16
  Only
• 6:16
  for
• 6:16
  controlling
• 6:17
  spending.
• 6:17
  A
• 6:17
  lot
• 6:17
  of
• 6:17
  people
• 6:17
  hear
• 6:18
  budget
• 6:18
  and
• 6:18
  they
• 6:18
  say,
• 6:19
  well,
• 6:19
  I'm
• 6:19
  just
• 6:19
  trying
• 6:19
  to
• 6:19
  control
• 6:20
  it.
• 6:20
  It's
• 6:21
  also
• 6:21
  about
• 6:21
  permitting
• 6:22
  good
• 6:22
  spending
• 6:23
  that
• 6:24
  can
• 6:24
  include
• 6:24
  things
• 6:24
  like
• 6:25
  home
• 6:25
  comfort,
• 6:26
  your
• 6:26
  health.
• 6:26
  What
• 6:26
  you
• 6:26
  mentioned
• 6:27
  you
• 6:27
  did
• 6:27
  this
• 6:27
  health
• 6:27
  app.
• 6:28
  You
• 6:28
  say
• 6:28
  you're
• 6:28
  really
• 6:28
  enjoying
• 6:28
  it.
• 6:29
  Maybe
• 6:29
  some
• 6:30
  time
• 6:30
  saving
• 6:30
  tools,
• 6:31
  some
• 6:31
  travel
• 6:32
  upgrades.
• 6:32
  I
• 6:32
  don't
• 6:32
  know
• 6:32
  about
• 6:32
  you,
• 6:33
  but
• 6:33
  I'm
• 6:33
  not
• 6:33
  cool
• 6:33
  about
• 6:34
  the
• 6:34
  hostels
• 6:34
  and
• 6:34
  living
• 6:35
  in
• 6:35
  shared
• 6:35
  spaces
• 6:36
  and
• 6:37
  better
• 6:37
  daily
• 6:37
  basics.
• 6:38
  But
• 6:39
  how
• 6:39
  do
• 6:39
  you
• 6:39
  make
• 6:39
  that
• 6:39
  happen?
• 6:40
  Here's
• 6:40
  what
• 6:40
  I'm
• 6:40
  going
• 6:40
  to
• 6:40
  encourage
• 6:41
  you
• 6:41
  to
• 6:41
  do.
• 6:41
  Upgrade
• 6:42
  the
• 6:42
  basics
• 6:43
  before
• 6:43
  chasing
• 6:43
  luxury.
• 6:45
  This
• 6:45
  is
• 6:45
  not
• 6:45
  a
• 6:45
  time
• 6:46
  to
• 6:46
  say,
• 6:46
  well,
• 6:46
  I'm
• 6:47
  going
• 6:47
  to
• 6:47
  go
• 6:47
  find
• 6:47
  extravagance.
• 6:49
  I
• 6:49
  don't
• 6:49
  think
• 6:49
  that's
• 6:49
  where
• 6:50
  you're
• 6:50
  going
• 6:50
  to
• 6:50
  end
• 6:50
  up
• 6:51
  because
• 6:51
  it
• 6:51
  doesn't
• 6:51
  sound
• 6:51
  like
• 6:52
  you've
• 6:52
  done
• 6:52
  that
• 6:52
  already
• 6:52
  and
• 6:52
  you're
• 6:53
  making
• 6:53
  really
• 6:53
  good
• 6:53
  income.
• 6:54
  But
• 6:54
  you
• 6:55
  do
• 6:55
  need
• 6:55
  friction,
• 6:56
  reducing
• 6:56
  basics
• 6:57
  that
• 6:57
  support
• 6:58
  your
• 6:58
  real
• 6:58
  life.
• 6:58
  Here's
• 6:59
  what
• 6:59
  I'm
• 6:59
  encouraged
• 6:59
  to
• 6:59
  do.
• 7:00
  Start
• 7:00
  with
• 7:00
  food.
• 7:01
  You
• 7:01
  said
• 7:01
  you're
• 7:02
  working
• 7:02
  a
• 7:02
  ton
• 7:02
  of
• 7:02
  hours.
• 7:03
  Well,
• 7:04
  one
• 7:04
  of
• 7:04
  the
• 7:04
  things
• 7:04
  you
• 7:04
  could
• 7:04
  do
• 7:05
  is
• 7:05
  buy
• 7:05
  better
• 7:05
  groceries.
• 7:07
  Things
• 7:07
  that
• 7:07
  are
• 7:07
  better
• 7:08
  for
• 7:08
  you.
• 7:09
  Maybe
• 7:09
  some.
• 7:09
  Because
• 7:10
  listen,
• 7:10
  noodles,
• 7:11
  we
• 7:11
  called
• 7:11
  them
• 7:12
  ramen
• 7:12
  when
• 7:12
  I
• 7:12
  was
• 7:13
  in
• 7:13
  college.
• 7:13
  Everybody
• 7:13
  lived
• 7:14
  on
• 7:14
  ramen.
• 7:14
  I
• 7:14
  think
• 7:14
  they
• 7:14
  were
• 7:15
  like
• 7:15
  $10
• 7:15
  for
• 7:16
  a
• 7:16
  case
• 7:16
  of
• 7:16
  these
• 7:17
  things.
• 7:18
  You
• 7:18
  can
• 7:18
  move
• 7:18
  beyond
• 7:19
  that
• 7:19
  now.
• 7:20
  Maybe
• 7:20
  some
• 7:20
  simple
• 7:21
  meal
• 7:21
  prep
• 7:21
  help
• 7:23
  people
• 7:23
  don't
• 7:23
  think
• 7:23
  about
• 7:23
  this.
• 7:24
  Maybe
• 7:24
  some
• 7:24
  quality
• 7:24
  containers
• 7:25
  so
• 7:25
  you
• 7:25
  can
• 7:25
  pre
• 7:25
  cook
• 7:25
  your
• 7:26
  stuff
• 7:26
  or
• 7:27
  maybe
• 7:27
  even
• 7:27
  consider
• 7:28
  a
• 7:28
  healthy
• 7:28
  prepared
• 7:29
  meal
• 7:29
  service.
• 7:29
  You're
• 7:30
  working
• 7:30
  a
• 7:30
  ton
• 7:30
  of
• 7:30
  hours,
• 7:30
  you
• 7:31
  got
• 7:31
  two
• 7:31
  jobs,
• 7:32
  all
• 7:32
  those
• 7:33
  things
• 7:33
  will
• 7:33
  serve
• 7:33
  you
• 7:34
  well.
• 7:34
  Let's
• 7:35
  move
• 7:35
  on
• 7:35
  to
• 7:35
  sleep.
• 7:35
  A
• 7:36
  lot
• 7:36
  of
• 7:36
  people
• 7:36
  don't
• 7:36
  think
• 7:36
  about
• 7:37
  how
• 7:37
  important
• 7:37
  sleep
• 7:38
  is.
• 7:39
  You
• 7:39
  didn't
• 7:39
  mention
• 7:40
  it,
• 7:40
  but
• 7:40
  maybe
• 7:40
  it's
• 7:40
  time
• 7:41
  to
• 7:41
  get
• 7:41
  a
• 7:41
  good
• 7:41
  mattress,
• 7:42
  maybe
• 7:43
  some
• 7:43
  better
• 7:43
  pillows,
• 7:44
  maybe
• 7:44
  some
• 7:45
  blackout
• 7:45
  curtains
• 7:45
  so
• 7:46
  you
• 7:46
  can
• 7:46
  actually
• 7:46
  go
• 7:46
  to
• 7:46
  sleep.
• 7:47
  And
• 7:47
  maybe
• 7:47
  some
• 7:47
  breathable
• 7:48
  sheets.
• 7:48
  Yeah,
• 7:48
  I
• 7:49
  become
• 7:49
  an
• 7:49
  adult
• 7:50
  now
• 7:50
  and
• 7:50
  I
• 7:51
  didn't
• 7:51
  realize
• 7:51
  how
• 7:52
  many
• 7:52
  different
• 7:52
  options
• 7:52
  there
• 7:53
  are
• 7:53
  when
• 7:53
  it
• 7:53
  comes
• 7:53
  to
• 7:53
  sheets.
• 7:55
  But
• 7:55
  your
• 7:55
  bedtime
• 7:56
  routine
• 7:56
  can
• 7:56
  change
• 7:57
  your
• 7:57
  energy
• 7:58
  and
• 7:58
  it
• 7:58
  can
• 7:58
  change
• 7:59
  your
• 7:59
  health.
• 8:00
  Now
• 8:00
  one
• 8:00
  of
• 8:00
  the
• 8:00
  funny
• 8:00
  things
• 8:01
  you
• 8:01
  mentioned
• 8:01
  is
• 8:01
  your
• 8:02
  clothing.
• 8:02
  You
• 8:02
  sound
• 8:02
  like
• 8:03
  my
• 8:03
  oldest
• 8:03
  son.
• 8:03
  He
• 8:04
  still
• 8:04
  wears
• 8:04
  stuff
• 8:05
  from
• 8:05
  high
• 8:05
  school
• 8:05
  as
• 8:05
  well.
• 8:06
  So
• 8:06
  look
• 8:06
  at
• 8:07
  your
• 8:07
  clothing.
• 8:07
  I'm
• 8:08
  not
• 8:08
  talking
• 8:08
  about
• 8:08
  going
• 8:09
  and
• 8:09
  buying
• 8:09
  designer
• 8:10
  stuff
• 8:10
  like
• 8:10
  Louis
• 8:10
  Vuitton
• 8:11
  and
• 8:11
  Fendi
• 8:12
  and
• 8:12
  all
• 8:12
  those
• 8:12
  big
• 8:12
  things.
• 8:13
  Just
• 8:13
  clothes
• 8:14
  that
• 8:14
  fit
• 8:14
  well.
• 8:15
  I
• 8:15
  guarantee
• 8:16
  your
• 8:16
  clothes
• 8:16
  from
• 8:16
  high
• 8:16
  school
• 8:17
  probably
• 8:17
  don't
• 8:17
  fit
• 8:17
  well.
• 8:17
  They
• 8:18
  probably
• 8:18
  don't
• 8:18
  feel
• 8:18
  great
• 8:20
  and
• 8:20
  they
• 8:20
  make
• 8:20
  you
• 8:20
  feel
• 8:20
  like
• 8:20
  you're
• 8:21
  stuck
• 8:21
  in
• 8:21
  high
• 8:21
  school,
• 8:22
  afraid
• 8:22
  you're
• 8:22
  way
• 8:23
  beyond
• 8:23
  that
• 8:24
  think
• 8:24
  about
• 8:24
  shoes
• 8:25
  and
• 8:25
  coats
• 8:25
  and
• 8:26
  undergarments
• 8:26
  and
• 8:27
  weather
• 8:27
  ready
• 8:28
  layers.
• 8:28
  Hey,
• 8:28
  if
• 8:28
  you're
• 8:28
  in
• 8:28
  Canada,
• 8:29
  basic
• 8:30
  comfort
• 8:30
  matters
• 8:31
  and
• 8:31
  so
• 8:31
  does
• 8:31
  being
• 8:32
  able
• 8:32
  to
• 8:32
  bundle
• 8:32
  up.
• 8:33
  But
• 8:33
  then
• 8:34
  also
• 8:34
  consider
• 8:34
  your
• 8:34
  home
• 8:35
  setup.
• 8:36
  A
• 8:36
  lot
• 8:36
  of
• 8:36
  people
• 8:36
  don't
• 8:36
  think
• 8:36
  about
• 8:37
  this
• 8:37
  one.
• 8:37
  A
• 8:37
  comfortable
• 8:38
  chair,
• 8:38
  maybe
• 8:39
  some
• 8:39
  better
• 8:39
  lighting,
• 8:40
  some
• 8:40
  decent
• 8:41
  cookware.
• 8:42
  I
• 8:42
  love
• 8:42
  these
• 8:43
  air
• 8:43
  purifiers.
• 8:44
  Or
• 8:44
  maybe
• 8:44
  a
• 8:44
  robot
• 8:44
  vacuum.
• 8:45
  You
• 8:45
  work
• 8:45
  a
• 8:45
  lot.
• 8:46
  Robot
• 8:46
  vacuum.
• 8:47
  Plus
• 8:47
  you
• 8:47
  said
• 8:47
  you
• 8:47
  had
• 8:47
  a
• 8:48
  dog,
• 8:48
  so
• 8:48
  maybe
• 8:49
  some
• 8:49
  dog
• 8:49
  friendly
• 8:50
  practical
• 8:50
  upgrades
• 8:50
  that
• 8:51
  can
• 8:51
  improve
• 8:51
  your
• 8:51
  daily
• 8:52
  life
• 8:52
  more
• 8:52
  than
• 8:52
  just
• 8:52
  flashy
• 8:53
  purchases.
• 8:54
  And
• 8:54
  then
• 8:55
  I
• 8:55
  also
• 8:55
  want
• 8:55
  you
• 8:55
  to
• 8:56
  look
• 8:56
  at
• 8:56
  health
• 8:56
  and
• 8:56
  recovery
• 8:58
  therapy.
• 8:59
  Massage.
• 8:59
  Massage
• 9:00
  is
• 9:00
  one
• 9:00
  of
• 9:00
  the
• 9:00
  things
• 9:00
  that
• 9:00
  I
• 9:01
  splurge
• 9:01
  on
• 9:01
  everything
• 9:02
  every
• 9:02
  single
• 9:02
  week.
• 9:03
  It's
• 9:03
  one
• 9:03
  of
• 9:03
  the
• 9:03
  things
• 9:03
  I
• 9:03
  think
• 9:03
  is
• 9:04
  really
• 9:04
  important.
• 9:05
  Maybe
• 9:05
  some
• 9:05
  counseling,
• 9:06
  maybe
• 9:07
  a
• 9:07
  gym
• 9:07
  membership,
• 9:08
  some
• 9:09
  physiotherapy,
• 9:09
  some
• 9:10
  dental
• 9:10
  care,
• 9:10
  or
• 9:11
  maybe
• 9:11
  even
• 9:11
  a
• 9:12
  better
• 9:12
  primary
• 9:12
  care
• 9:13
  routine
• 9:13
  could
• 9:14
  be
• 9:14
  wise
• 9:14
  using
• 9:15
  that
• 9:15
  money.
• 9:17
  Sometimes
• 9:17
  the
• 9:17
  most
• 9:17
  spiritual
• 9:18
  use
• 9:18
  of
• 9:18
  money
• 9:18
  is
• 9:19
  removing
• 9:19
  avoidable
• 9:20
  strain
• 9:20
  from
• 9:20
  your
• 9:21
  everyday
• 9:21
  life.
• 9:22
  But
• 9:22
  just
• 9:22
  ask
• 9:23
  yourself
• 9:23
  one
• 9:23
  question
• 9:23
  before
• 9:24
  buying.
• 9:25
  Will
• 9:25
  this
• 9:25
  reduce
• 9:26
  my
• 9:26
  recurring
• 9:26
  stress?
• 9:27
  Will
• 9:27
  it
• 9:28
  save
• 9:28
  me
• 9:28
  meaningful
• 9:29
  time?
• 9:29
  And
• 9:30
  will
• 9:30
  it
• 9:30
  support
• 9:30
  my
• 9:30
  health
• 9:31
  and
• 9:31
  calling?
• 9:32
  But
• 9:32
  how
• 9:33
  do
• 9:33
  you
• 9:33
  implement
• 9:33
  this?
• 9:34
  I
• 9:34
  want
• 9:34
  to
• 9:35
  encourage
• 9:35
  you
• 9:35
  to
• 9:35
  spend
• 9:35
  in
• 9:36
  categories
• 9:36
  that
• 9:36
  match
• 9:37
  your
• 9:37
  actual
• 9:37
  life.
• 9:38
  You
• 9:39
  were
• 9:39
  shared
• 9:39
  with
• 9:39
  me
• 9:39
  very
• 9:40
  honestly.
• 9:40
  You're
• 9:40
  working
• 9:41
  hard,
• 9:41
  you're
• 9:42
  traveling
• 9:42
  by
• 9:42
  yourself,
• 9:43
  you're
• 9:43
  caring
• 9:43
  for
• 9:44
  a
• 9:44
  dog.
• 9:45
  Spend
• 9:45
  in
• 9:45
  ways
• 9:45
  that
• 9:46
  fit
• 9:46
  the
• 9:46
  reality
• 9:47
  you
• 9:47
  live
• 9:47
  in.
• 9:48
  For
• 9:48
  work
• 9:49
  life,
• 9:49
  think
• 9:49
  about
• 9:49
  better
• 9:50
  lunch
• 9:50
  systems,
• 9:51
  some
• 9:51
  reliable
• 9:52
  bags,
• 9:52
  some
• 9:52
  quality
• 9:53
  headphones,
• 9:54
  a
• 9:54
  good
• 9:54
  office
• 9:54
  chair
• 9:55
  if
• 9:55
  you
• 9:55
  work
• 9:55
  from
• 9:55
  home,
• 9:56
  and
• 9:56
  routines
• 9:57
  that
• 9:57
  make
• 9:57
  long
• 9:57
  weeks
• 9:58
  less
• 9:58
  draining.
• 9:59
  Here's
• 9:59
  some
• 9:59
  ideas
• 10:00
  for
• 10:00
  your
• 10:00
  dog.
• 10:00
  Think
• 10:01
  about
• 10:01
  services
• 10:01
  or
• 10:02
  tools
• 10:02
  that
• 10:02
  reduce
• 10:02
  stress.
• 10:03
  Maybe
• 10:03
  some
• 10:03
  better
• 10:04
  gear
• 10:04
  for
• 10:04
  your
• 10:04
  dog,
• 10:05
  some
• 10:05
  quality
• 10:06
  food.
• 10:06
  Maybe
• 10:07
  reach
• 10:07
  out
• 10:07
  for
• 10:07
  some
• 10:07
  training,
• 10:08
  support
• 10:08
  and.
• 10:09
  And
• 10:09
  maybe
• 10:09
  consider
• 10:10
  some
• 10:10
  pet
• 10:10
  insurance.
• 10:11
  I
• 10:11
  did
• 10:11
  a
• 10:11
  show
• 10:11
  a
• 10:11
  couple
• 10:12
  of
• 10:12
  years
• 10:12
  ago
• 10:12
  about
• 10:12
  pet
• 10:12
  insurance.
• 10:13
  Now
• 10:14
  let's
• 10:14
  talk
• 10:14
  about
• 10:14
  travel.
• 10:15
  Because
• 10:15
  when
• 10:15
  you
• 10:15
  told
• 10:16
  me
• 10:16
  about
• 10:16
  traveling
• 10:17
  and
• 10:17
  hostels,
• 10:18
  it
• 10:18
  doesn't
• 10:19
  mean
• 10:19
  you
• 10:19
  have
• 10:19
  to
• 10:19
  go
• 10:20
  first
• 10:20
  class,
• 10:21
  but
• 10:21
  it
• 10:21
  might
• 10:21
  mean
• 10:22
  you
• 10:22
  make
• 10:22
  direct
• 10:22
  flights
• 10:23
  when
• 10:23
  possible.
• 10:24
  Maybe
• 10:24
  you
• 10:24
  stay
• 10:25
  in
• 10:25
  safer
• 10:25
  neighborhoods.
• 10:26
  Hey,
• 10:27
  listen
• 10:27
  to
• 10:27
  this
• 10:27
  one.
• 10:27
  Maybe
• 10:28
  you
• 10:28
  get
• 10:28
  a
• 10:28
  private
• 10:28
  room
• 10:29
  instead
• 10:29
  of
• 10:29
  that
• 10:29
  youth
• 10:30
  hostel.
• 10:30
  Better
• 10:31
  luggage,
• 10:32
  shoes,
• 10:33
  all
• 10:34
  those
• 10:34
  things
• 10:34
  that
• 10:34
  travel
• 10:35
  well,
• 10:36
  TSA
• 10:36
  friendly
• 10:37
  organization
• 10:37
  and
• 10:38
  trips
• 10:38
  with
• 10:38
  more
• 10:39
  recovery
• 10:39
  built
• 10:39
  into
• 10:40
  them.
• 10:40
  Because
• 10:41
  if
• 10:41
  you're
• 10:41
  always
• 10:41
  staying
• 10:42
  in
• 10:42
  the
• 10:42
  cheapest
• 10:42
  place
• 10:43
  with
• 10:43
  strangers,
• 10:44
  you
• 10:44
  gotta
• 10:45
  ask
• 10:45
  yourself
• 10:45
  a
• 10:45
  tough
• 10:46
  question.
• 10:46
  Whether
• 10:47
  you're
• 10:47
  saving
• 10:47
  money
• 10:48
  or
• 10:48
  are
• 10:49
  you
• 10:49
  creating
• 10:49
  instability.
• 10:51
  Maybe
• 10:51
  one
• 10:51
  wise
• 10:52
  upgrade
• 10:52
  is
• 10:52
  staying
• 10:52
  somewhere
• 10:53
  quiet
• 10:53
  enough
• 10:53
  to
• 10:54
  actually
• 10:54
  rest.
• 10:55
  Maybe
• 10:55
  it's
• 10:56
  paying
• 10:56
  for
• 10:56
  airport
• 10:56
  transfers
• 10:57
  at
• 10:57
  night
• 10:57
  or
• 10:58
  buying
• 10:58
  a
• 10:58
  seat
• 10:58
  with
• 10:59
  more
• 10:59
  legroom
• 10:59
  on
• 10:59
  a
• 11:00
  long
• 11:00
  travel
• 11:00
  day.
• 11:02
  Comfort
• 11:02
  is
• 11:02
  not
• 11:02
  compromised
• 11:03
  when
• 11:03
  it
• 11:03
  helps
• 11:04
  you
• 11:04
  travel
• 11:04
  with
• 11:05
  peace
• 11:05
  and
• 11:05
  safety.
• 11:06
  Here's
• 11:07
  a
• 11:07
  good
• 11:07
  rule
• 11:07
  you
• 11:07
  can
• 11:07
  put
• 11:07
  into
• 11:07
  place.
• 11:08
  Upgrade
• 11:09
  the
• 11:09
  parts
• 11:09
  of
• 11:09
  travel
• 11:10
  that
• 11:10
  affect
• 11:10
  your
• 11:10
  sleep,
• 11:11
  your
• 11:11
  safety,
• 11:12
  and
• 11:12
  exhaustion
• 11:13
  first.
• 11:14
  But
• 11:15
  you
• 11:15
  also
• 11:15
  have
• 11:16
  to
• 11:16
  practice
• 11:16
  something
• 11:16
  here.
• 11:17
  You
• 11:18
  got
• 11:18
  to
• 11:18
  practice
• 11:18
  enjoying
• 11:19
  provision
• 11:19
  without
• 11:19
  guilt.
• 11:20
  And
• 11:21
  I
• 11:21
  got
• 11:21
  a
• 11:21
  feeling
• 11:21
  this
• 11:21
  is
• 11:22
  going
• 11:22
  to
• 11:22
  be
• 11:22
  the
• 11:22
  hardest
• 11:22
  part
• 11:22
  for
• 11:23
  you.
• 11:23
  You
• 11:24
  know
• 11:24
  how
• 11:24
  to
• 11:24
  earn
• 11:25
  money,
• 11:25
  you
• 11:26
  know
• 11:26
  how
• 11:26
  to
• 11:26
  save
• 11:26
  money,
• 11:27
  you
• 11:27
  know
• 11:27
  how
• 11:27
  to
• 11:27
  invest
• 11:28
  money,
• 11:29
  but
• 11:29
  you
• 11:29
  don't
• 11:29
  know
• 11:29
  how
• 11:30
  to
• 11:30
  receive.
• 11:30
  And
• 11:30
  that's
• 11:31
  very
• 11:31
  common
• 11:31
  for
• 11:32
  many
• 11:32
  people
• 11:32
  that
• 11:32
  have
• 11:33
  been
• 11:33
  where
• 11:33
  you
• 11:33
  are.
• 11:35
  Scripture
• 11:35
  doesn't
• 11:35
  teach
• 11:36
  reckless
• 11:36
  indulgence,
• 11:38
  but
• 11:38
  it
• 11:38
  also
• 11:38
  doesn't
• 11:38
  teach
• 11:39
  that
• 11:39
  faithful
• 11:39
  people
• 11:40
  must
• 11:40
  live
• 11:40
  as
• 11:40
  deprived
• 11:41
  as
• 11:41
  possible.
• 11:42
  Even
• 11:42
  the
• 11:42
  book
• 11:42
  of
• 11:43
  Ecclesiastes
• 11:43
  reminds
• 11:44
  us
• 11:44
  that
• 11:44
  receiving
• 11:45
  our
• 11:45
  portion
• 11:46
  and
• 11:46
  enjoying
• 11:46
  our
• 11:47
  labor
• 11:47
  can
• 11:47
  be
• 11:47
  a
• 11:47
  gift
• 11:48
  from
• 11:48
  God.
• 11:49
  Friend,
• 11:50
  gratitude
• 11:50
  and
• 11:50
  enjoyment
• 11:51
  can
• 11:51
  coexist
• 11:52
  if
• 11:52
  you
• 11:53
  plan
• 11:53
  wisely.
• 11:54
  You
• 11:54
  can
• 11:54
  honor
• 11:55
  God
• 11:55
  by
• 11:55
  avoiding
• 11:56
  waste,
• 11:56
  and
• 11:57
  you
• 11:57
  can
• 11:57
  also
• 11:57
  honor
• 11:58
  God
• 11:58
  by
• 11:58
  receiving
• 11:59
  provision
• 11:59
  with
• 11:59
  humility.
• 12:01
  So
• 12:01
  try
• 12:01
  this
• 12:01
  practice
• 12:02
  each
• 12:02
  month
• 12:02
  I
• 12:03
  want
• 12:03
  you
• 12:03
  to
• 12:03
  choose
• 12:03
  one
• 12:04
  upgrade
• 12:04
  that
• 12:04
  improves
• 12:05
  your
• 12:05
  daily
• 12:05
  life,
• 12:06
  and
• 12:07
  then
• 12:07
  pay
• 12:07
  attention
• 12:07
  to
• 12:07
  whether
• 12:08
  it
• 12:08
  genuinely
• 12:09
  serves
• 12:09
  you.
• 12:10
  Learn
• 12:10
  by
• 12:11
  observation,
• 12:11
  not
• 12:12
  shame.
• 12:13
  You're
• 12:13
  not
• 12:13
  betraying
• 12:14
  your
• 12:14
  past
• 12:14
  by
• 12:14
  building
• 12:15
  a
• 12:15
  gentler
• 12:16
  present.
• 12:17
  So
• 12:17
  where
• 12:17
  do
• 12:17
  you
• 12:18
  start?
• 12:18
  I'm
• 12:19
  not
• 12:19
  telling
• 12:19
  you
• 12:19
  to
• 12:19
  go
• 12:20
  make
• 12:20
  a
• 12:20
  shopping
• 12:20
  spree.
• 12:21
  Might
• 12:21
  sound
• 12:21
  like
• 12:21
  fun,
• 12:21
  but
• 12:22
  that's
• 12:22
  not
• 12:22
  what
• 12:22
  I'm
• 12:22
  encouraging
• 12:23
  you
• 12:23
  to
• 12:23
  do.
• 12:24
  Start
• 12:24
  by
• 12:24
  identifying
• 12:25
  the
• 12:25
  places
• 12:26
  in
• 12:26
  your
• 12:26
  life
• 12:26
  that
• 12:26
  still
• 12:27
  feel
• 12:27
  unnecessarily
• 12:28
  hard.
• 12:29
  Like
• 12:29
  I
• 12:29
  said,
• 12:30
  look
• 12:30
  at
• 12:30
  your
• 12:30
  food,
• 12:30
  look
• 12:31
  at
• 12:31
  sleep,
• 12:32
  clothing,
• 12:33
  homework,
• 12:34
  work,
• 12:34
  travel,
• 12:35
  and
• 12:35
  health.
• 12:36
  And
• 12:36
  then
• 12:36
  just
• 12:37
  choose
• 12:37
  one
• 12:37
  thoughtful
• 12:38
  upgrade
• 12:38
  in
• 12:38
  each
• 12:39
  area
• 12:39
  over
• 12:39
  time.
• 12:40
  It's
• 12:40
  not
• 12:41
  about
• 12:41
  becoming
• 12:41
  indulgent,
• 12:42
  it's
• 12:42
  about
• 12:42
  becoming
• 12:43
  whole.
• 12:44
  But
• 12:44
  now
• 12:44
  I
• 12:44
  want
• 12:45
  to
• 12:45
  slow
• 12:45
  this
• 12:45
  down
• 12:45
  for
• 12:45
  a
• 12:45
  second.
• 12:46
  When
• 12:47
  you
• 12:47
  live
• 12:47
  through
• 12:47
  real
• 12:48
  poverty,
• 12:49
  and
• 12:49
  you
• 12:49
  clearly
• 12:50
  did,
• 12:51
  spending
• 12:51
  on
• 12:52
  comfort
• 12:52
  can
• 12:52
  feel
• 12:53
  morally
• 12:53
  wrong
• 12:54
  even
• 12:55
  when
• 12:55
  you
• 12:55
  can
• 12:55
  afford
• 12:56
  it.
• 12:56
  Because
• 12:57
  your
• 12:57
  body
• 12:57
  remembers
• 12:58
  that
• 12:58
  lack
• 12:59
  that
• 12:59
  you
• 12:59
  went
• 12:59
  through.
• 13:00
  Your
• 13:00
  mind
• 13:01
  remembers
• 13:01
  that
• 13:01
  fear
• 13:02
  that
• 13:02
  you
• 13:02
  suffered.
• 13:03
  And
• 13:03
  your
• 13:03
  habits
• 13:04
  were
• 13:04
  built
• 13:04
  in
• 13:04
  a
• 13:04
  season
• 13:05
  when
• 13:05
  survival
• 13:06
  was
• 13:06
  the
• 13:06
  goal.
• 13:06
  Hey,
• 13:06
  survival
• 13:07
  was
• 13:07
  the
• 13:07
  only
• 13:07
  choice
• 13:08
  you
• 13:08
  had.
• 13:09
  So
• 13:10
  this
• 13:10
  isn't
• 13:10
  just
• 13:10
  about
• 13:11
  buying
• 13:11
  better
• 13:11
  things.
• 13:13
  It's
• 13:13
  actually
• 13:14
  about
• 13:14
  learning
• 13:14
  that
• 13:14
  God's
• 13:15
  provision
• 13:15
  in
• 13:15
  this
• 13:16
  season
• 13:17
  doesn't
• 13:17
  need
• 13:17
  to
• 13:17
  be
• 13:17
  met
• 13:17
  with
• 13:18
  guilt.
• 13:19
  It's
• 13:20
  okay
• 13:20
  to
• 13:20
  be
• 13:20
  grateful
• 13:21
  for
• 13:21
  what
• 13:21
  got
• 13:21
  you
• 13:21
  here.
• 13:23
  And
• 13:23
  it's
• 13:23
  also
• 13:24
  okay
• 13:24
  to
• 13:24
  stop
• 13:24
  living
• 13:25
  like
• 13:25
  hardship
• 13:26
  is
• 13:26
  the
• 13:26
  only
• 13:26
  faithful
• 13:27
  way
• 13:27
  to
• 13:27
  live.
• 13:28
  You
• 13:28
  can
• 13:29
  be
• 13:29
  wise
• 13:29
  without
• 13:29
  being
• 13:30
  harsh,
• 13:31
  and
• 13:31
  you
• 13:31
  can
• 13:32
  be
• 13:32
  discipled
• 13:33
  without
• 13:33
  being
• 13:34
  deprived.
• 13:35
  You
• 13:36
  don't
• 13:36
  need
• 13:36
  to
• 13:36
  earn
• 13:36
  the
• 13:37
  right
• 13:37
  to
• 13:37
  live
• 13:37
  decently.
• 13:38
  You
• 13:39
  need
• 13:39
  to
• 13:39
  learn
• 13:39
  how
• 13:39
  to
• 13:40
  steward
• 13:40
  provision
• 13:40
  without
• 13:41
  fear.
• 13:42
  So
• 13:42
  here's
• 13:42
  your
• 13:42
  win
• 13:42
  for
• 13:43
  today.
• 13:43
  I
• 13:43
  want
• 13:43
  you
• 13:44
  to
• 13:44
  list
• 13:44
  seven
• 13:44
  areas.
• 13:45
  Food,
• 13:46
  sleep,
• 13:47
  clothing,
• 13:48
  home,
• 13:49
  health,
• 13:50
  work
• 13:51
  and
• 13:51
  travel.
• 13:52
  And
• 13:52
  under
• 13:52
  each
• 13:53
  one
• 13:53
  of
• 13:53
  those,
• 13:53
  I
• 13:53
  want
• 13:53
  you
• 13:53
  to
• 13:54
  write
• 13:54
  one
• 13:54
  thing
• 13:54
  that
• 13:54
  will
• 13:55
  make
• 13:55
  your
• 13:55
  life
• 13:55
  meaningfully
• 13:56
  easier.
• 13:57
  Just
• 13:57
  that
• 13:57
  simple.
• 13:58
  Those
• 13:58
  seven
• 13:58
  categories.
• 13:59
  What
• 14:00
  would
• 14:00
  make
• 14:00
  those
• 14:01
  meaningfully
• 14:02
  easier?
• 14:02
  And
• 14:03
  then
• 14:03
  choose
• 14:03
  one
• 14:03
  item
• 14:04
  this
• 14:04
  month
• 14:04
  and
• 14:04
  buy
• 14:05
  it
• 14:05
  on
• 14:05
  purpose,
• 14:06
  not
• 14:07
  impulsively.
• 14:07
  If
• 14:07
  you're
• 14:07
  doing
• 14:08
  it
• 14:08
  on
• 14:08
  purpose,
• 14:08
  you're
• 14:09
  breaking
• 14:09
  that
• 14:09
  free
• 14:09
  that
• 14:10
  that
• 14:10
  feeling
• 14:11
  of
• 14:11
  guilt.
• 14:12
  Let's
• 14:12
  get
• 14:12
  to
• 14:12
  our
• 14:13
  Bible
• 14:13
  verse
• 14:13
  today.
• 14:13
  I
• 14:14
  promise
• 14:14
  that
• 14:14
  I'll
• 14:14
  mention
• 14:14
  Ecclesiastes.
• 14:15
  Let's
• 14:16
  get
• 14:16
  right
• 14:16
  to
• 14:16
  that.
• 14:17
  Ecclesiastes,
• 14:18
  chapter
• 14:18
  5,
• 14:19
  verses
• 14:19
  18
• 14:20
  and
• 14:20
  19.
• 14:21
  This
• 14:22
  is
• 14:22
  what
• 14:22
  I
• 14:22
  observed
• 14:22
  to
• 14:23
  be
• 14:23
  good
• 14:23
  that
• 14:24
  it
• 14:24
  is
• 14:24
  appropriate
• 14:25
  for
• 14:25
  a
• 14:25
  person
• 14:25
  to
• 14:26
  eat,
• 14:26
  to
• 14:27
  drink
• 14:27
  and
• 14:28
  to
• 14:28
  find
• 14:28
  satisfaction
• 14:29
  in
• 14:29
  their
• 14:29
  toilsome
• 14:30
  labor
• 14:30
  under
• 14:31
  the
• 14:31
  sun
• 14:31
  during
• 14:31
  the
• 14:32
  few
• 14:32
  days
• 14:32
  of
• 14:32
  life
• 14:32
  God
• 14:33
  has
• 14:33
  given
• 14:33
  them,
• 14:34
  for
• 14:34
  this
• 14:34
  is
• 14:35
  their
• 14:35
  lot.
• 14:36
  Moreover,
• 14:36
  when
• 14:36
  God
• 14:37
  gives
• 14:37
  someone
• 14:37
  wealth
• 14:38
  and
• 14:38
  possessions
• 14:39
  and
• 14:39
  the
• 14:40
  ability
• 14:40
  to
• 14:40
  enjoy
• 14:40
  them,
• 14:41
  to
• 14:41
  accept
• 14:42
  their
• 14:42
  lot
• 14:43
  and
• 14:43
  be
• 14:43
  happy
• 14:43
  in
• 14:43
  their
• 14:44
  toil,
• 14:44
  this
• 14:45
  is
• 14:45
  a
• 14:45
  gift
• 14:46
  of
• 14:47
  God.
• 14:48
  What
• 14:48
  a
• 14:48
  beautiful
• 14:49
  piece
• 14:49
  of
• 14:49
  scripture.
• 14:51
  Receiving
• 14:51
  God's
• 14:52
  provision
• 14:52
  with
• 14:52
  gratitude
• 14:53
  and
• 14:53
  wisdom
• 14:54
  is
• 14:54
  not
• 14:54
  selfish.
• 14:56
  It's
• 14:56
  part
• 14:56
  of
• 14:56
  learning
• 14:57
  to
• 14:57
  live
• 14:57
  faithfully.
• 14:58
  And
• 14:58
  you
• 14:59
  can
• 14:59
  do
• 14:59
  that
• 14:59
  starting
• 15:00
  today.
• 15:00
  How
• 15:00
  about
• 15:00
  we
• 15:01
  pray
• 15:01
  together?
• 15:02
  Heavenly
• 15:02
  Father,
• 15:03
  I
• 15:03
  want
• 15:03
  to
• 15:04
  lift
• 15:04
  up
• 15:04
  the
• 15:04
  person
• 15:04
  who's
• 15:05
  worked
• 15:05
  hard.
• 15:06
  They've
• 15:06
  come
• 15:07
  through
• 15:07
  real
• 15:07
  lack
• 15:08
  and
• 15:08
  struggles
• 15:09
  and
• 15:09
  they're
• 15:10
  still
• 15:10
  feeling
• 15:10
  unsure
• 15:11
  how
• 15:11
  to
• 15:11
  live
• 15:11
  in
• 15:11
  this
• 15:11
  new
• 15:12
  season.
• 15:13
  And
• 15:13
  Lord,
• 15:13
  you
• 15:13
  know
• 15:14
  what
• 15:14
  they
• 15:14
  survived.
• 15:15
  You
• 15:15
  know
• 15:15
  the
• 15:16
  habits
• 15:16
  that
• 15:16
  built
• 15:17
  fear
• 15:17
  into
• 15:17
  them,
• 15:18
  and
• 15:18
  you
• 15:18
  know
• 15:19
  how
• 15:19
  hard
• 15:19
  it
• 15:19
  is
• 15:19
  to
• 15:19
  be
• 15:20
  to
• 15:20
  trust
• 15:20
  that
• 15:20
  daily
• 15:21
  comfort
• 15:21
  is
• 15:21
  not
• 15:21
  the
• 15:22
  same
• 15:22
  as
• 15:22
  waste
• 15:23
  and
• 15:23
  wisdom
• 15:24
  as
• 15:24
  they
• 15:24
  decide
• 15:24
  what
• 15:24
  to
• 15:24
  keep
• 15:25
  and
• 15:26
  what
• 15:26
  to
• 15:26
  upgrade
• 15:27
  and
• 15:27
  how
• 15:27
  to
• 15:27
  use
• 15:27
  money
• 15:28
  in
• 15:28
  ways
• 15:28
  that
• 15:28
  support
• 15:29
  health
• 15:29
  and
• 15:29
  peace
• 15:30
  and
• 15:30
  faithful
• 15:30
  living.
• 15:32
  Protect
• 15:32
  them
• 15:32
  from
• 15:32
  guilt
• 15:33
  that
• 15:33
  doesn't
• 15:33
  come
• 15:33
  from
• 15:34
  you.
• 15:34
  Protect
• 15:35
  them
• 15:35
  from
• 15:35
  reckless
• 15:36
  spending
• 15:36
  as
• 15:36
  well,
• 15:36
  Lord,
• 15:37
  and
• 15:37
  teach
• 15:37
  them
• 15:37
  how
• 15:38
  to
• 15:38
  receive
• 15:38
  provision
• 15:38
  with
• 15:39
  humility,
• 15:40
  with
• 15:40
  gratitude,
• 15:41
  and
• 15:41
  with
• 15:42
  sound
• 15:42
  judgment.
• 15:43
  Let
• 15:43
  this
• 15:44
  season
• 15:44
  become
• 15:44
  one
• 15:44
  of
• 15:45
  healing,
• 15:45
  not
• 15:45
  just
• 15:45
  earning.
• 15:46
  And
• 15:47
  we
• 15:47
  ask
• 15:47
  this
• 15:47
  in
• 15:48
  Jesus
• 15:48
  name.
• 15:49
  Amen.
• 15:51
  Friend.
• 15:51
  I
• 15:51
  just
• 15:51
  want
• 15:52
  to
• 15:52
  pause
• 15:52
  here
• 15:52
  for
• 15:52
  a
• 15:52
  second.
• 15:53
  You've
• 15:54
  come
• 15:54
  a
• 15:54
  long
• 15:54
  way
• 15:56
  and
• 15:56
  this
• 15:56
  isn't
• 15:56
  going
• 15:57
  to
• 15:57
  change
• 15:57
  overnight.
• 15:57
  This
• 15:58
  learning
• 15:58
  is
• 15:58
  going
• 15:58
  to
• 15:59
  take
• 15:59
  time.
• 16:00
  That
• 16:01
  why
• 16:01
  spending
• 16:02
  is
• 16:02
  a
• 16:02
  skill.
• 16:02
  It's
• 16:03
  not
• 16:03
  some
• 16:03
  personality
• 16:04
  trait.
• 16:05
  And
• 16:05
  if
• 16:05
  you
• 16:06
  grew
• 16:06
  up
• 16:06
  differently
• 16:06
  than
• 16:07
  you
• 16:07
  live
• 16:07
  now,
• 16:07
  I
• 16:08
  would
• 16:08
  love
• 16:08
  to
• 16:08
  hear
• 16:08
  from
• 16:08
  you.
• 16:09
  If
• 16:09
  that
• 16:09
  guilt
• 16:10
  still
• 16:10
  shows
• 16:10
  up
• 16:10
  when
• 16:10
  you
• 16:10
  spend
• 16:11
  on
• 16:11
  yourself,
• 16:11
  you're
• 16:12
  not
• 16:12
  alone
• 16:12
  and
• 16:12
  I'd
• 16:13
  love
• 16:13
  to
• 16:13
  hear
• 16:13
  your
• 16:13
  story.
• 16:14
  Why
• 16:14
  don't
• 16:14
  you
• 16:14
  head
• 16:15
  right
• 16:15
  now
• 16:15
  over
• 16:15
  to
• 16:15
  financiallyconfidentchristian.com/question
• 16:18
  Again,
• 16:20
  That's
• 16:20
  financiallyconfidentchristian.com/question
• 16:25
  thank
• 16:25
  you
• 16:25
  so
• 16:25
  much
• 16:26
  for
• 16:26
  spending
• 16:26
  part
• 16:26
  of
• 16:26
  your
• 16:27
  time
• 16:27
  here
• 16:27
  today.
• 16:27
  I
• 16:28
  want
• 16:28
  to
• 16:28
  encourage
• 16:28
  you
• 16:28
  to
• 16:29
  stay
• 16:29
  financially
• 16:29
  savvy.
• 16:30
  May
• 16:30
  God
• 16:31
  bless
• 16:31
  you
• 16:31
  and
• 16:32
  you
• 16:32
  have
• 16:32
  a
• 16:32
  truly
• 16:33
  great
• 16:33
  day.
• 16:52
  It.