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Transcript

How Can I Stay Committed When the Gap Between Saving and Security Feels Huge? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  have
• 0:38
  you
• 0:38
  ever
• 0:38
  transferred
• 0:38
  $25
• 0:39
  into
• 0:39
  your
• 0:40
  savings
• 0:40
  account?
• 0:41
  And
• 0:41
  instead
• 0:42
  of
• 0:42
  feeling
• 0:42
  proud,
• 0:43
  you
• 0:43
  just
• 0:43
  felt
• 0:43
  discouraged
• 0:45
  because
• 0:45
  in
• 0:46
  your
• 0:46
  mind
• 0:46
  you're
• 0:46
  thinking,
• 0:47
  what
• 0:48
  is
• 0:48
  this
• 0:48
  really
• 0:48
  going
• 0:48
  to
• 0:48
  do
• 0:49
  for
• 0:49
  me?
• 0:51
  See,
• 0:51
  when
• 0:51
  the
• 0:51
  goal
• 0:51
  is
• 0:52
  thousands
• 0:53
  and
• 0:53
  you're
• 0:53
  moving
• 0:54
  in
• 0:54
  tens,
• 0:55
  the
• 0:55
  gap
• 0:56
  feels
• 0:56
  crushing.
• 0:58
  If
• 0:58
  you're
• 0:58
  not
• 0:58
  careful,
• 0:59
  that
• 0:59
  gap
• 0:59
  will
• 0:59
  whisper.
• 1:00
  Why
• 1:01
  bother,
• 1:03
  friends?
• 1:03
  Small
• 1:03
  does
• 1:04
  not
• 1:04
  mean
• 1:04
  insignificant.
• 1:06
  And
• 1:06
  today
• 1:06
  we're
• 1:06
  going
• 1:06
  to
• 1:06
  talk
• 1:07
  about
• 1:07
  how
• 1:07
  to
• 1:07
  stay
• 1:07
  committed
• 1:08
  when
• 1:08
  progress
• 1:08
  feels
• 1:09
  painfully
• 1:10
  slow.
• 1:10
  I
• 1:10
  got
• 1:10
  some
• 1:11
  great
• 1:11
  ideas
• 1:11
  for
• 1:11
  you
• 1:12
  today.
• 1:33
  Hey,
• 1:34
  friend.
• 1:34
  Ralph
• 1:35
  Estep
• 1:35
  Jr.
• 1:35
  Here.
• 1:36
  Welcome
• 1:36
  to
• 1:37
  Financially
• 1:37
  Confident
• 1:38
  Christian.
• 1:38
  If
• 1:38
  you're
• 1:39
  new
• 1:39
  to
• 1:39
  the
• 1:39
  show,
• 1:39
  welcome.
• 1:40
  I'm
• 1:40
  so
• 1:40
  glad
• 1:40
  to
• 1:41
  have
• 1:41
  you
• 1:41
  here.
• 1:41
  If
• 1:41
  you're
• 1:41
  coming
• 1:41
  back,
• 1:42
  thank
• 1:42
  you
• 1:42
  for
• 1:42
  joining
• 1:43
  me
• 1:43
  again
• 1:43
  today.
• 1:44
  This
• 1:45
  show
• 1:45
  is
• 1:45
  all
• 1:45
  about
• 1:45
  helping
• 1:46
  you
• 1:46
  break
• 1:46
  that
• 1:46
  cycle
• 1:47
  of
• 1:47
  financial
• 1:47
  shame
• 1:48
  and
• 1:48
  live
• 1:48
  in
• 1:48
  confidence.
• 1:50
  And
• 1:50
  today's
• 1:51
  topic
• 1:51
  is
• 1:51
  exactly
• 1:52
  that.
• 1:52
  How
• 1:52
  to
• 1:53
  stay
• 1:53
  committed
• 1:53
  to
• 1:53
  savings
• 1:54
  when
• 1:54
  the
• 1:54
  gap
• 1:54
  feels
• 1:55
  huge.
• 1:56
  Let's
• 1:56
  get
• 1:56
  right
• 1:56
  to
• 1:57
  today's
• 1:57
  listener
• 1:57
  question.
• 1:58
  We
• 1:58
  always
• 1:58
  start
• 1:58
  the
• 1:58
  show
• 1:58
  off
• 1:59
  with
• 1:59
  a
• 1:59
  listener
• 1:59
  question.
• 1:59
  If
• 2:00
  you've
• 2:00
  got
• 2:00
  a
• 2:00
  question
• 2:00
  for
• 2:00
  the
• 2:01
  show,
• 2:01
  we'll
• 2:01
  talk
• 2:02
  about
• 2:02
  a
• 2:02
  little
• 2:02
  bit
• 2:02
  later
• 2:02
  how
• 2:03
  you
• 2:03
  can
• 2:03
  do
• 2:03
  that.
• 2:03
  But
• 2:04
  here's
• 2:04
  today's
• 2:04
  listener
• 2:04
  question.
• 2:05
  Ralph
• 2:06
  I
• 2:07
  can
• 2:07
  only
• 2:07
  put
• 2:07
  away
• 2:07
  small
• 2:08
  amounts,
• 2:09
  and
• 2:09
  it
• 2:09
  feels
• 2:10
  like
• 2:10
  nothing
• 2:10
  compared
• 2:11
  to
• 2:11
  what
• 2:11
  I
• 2:11
  need.
• 2:12
  I'm
• 2:12
  scared
• 2:13
  that
• 2:13
  no
• 2:13
  matter
• 2:13
  how
• 2:14
  consistent
• 2:14
  I
• 2:14
  am,
• 2:15
  I'll
• 2:15
  never
• 2:16
  actually
• 2:16
  get
• 2:16
  ahead
• 2:17
  or
• 2:17
  build
• 2:17
  real
• 2:17
  security.
• 2:19
  How
• 2:19
  do
• 2:19
  I
• 2:19
  keep
• 2:20
  saving
• 2:20
  when
• 2:20
  it
• 2:20
  feels
• 2:21
  this
• 2:21
  insignificant?
• 2:23
  I
• 2:23
  want
• 2:23
  to
• 2:23
  stay
• 2:23
  committed,
• 2:24
  but
• 2:24
  the
• 2:25
  gap
• 2:25
  between
• 2:25
  what
• 2:25
  I
• 2:25
  can
• 2:26
  do
• 2:26
  and
• 2:26
  what
• 2:26
  I
• 2:26
  feel
• 2:27
  feels
• 2:27
  crushing
• 2:28
  and
• 2:28
  hopeless.
• 2:30
  You
• 2:31
  know,
• 2:31
  it's
• 2:31
  like
• 2:31
  if
• 2:31
  this
• 2:31
  is
• 2:31
  one
• 2:32
  of
• 2:32
  those
• 2:32
  dear
• 2:32
  abbeys,
• 2:32
  we'd
• 2:33
  start
• 2:33
  this
• 2:33
  off
• 2:33
  with
• 2:33
  dear
• 2:34
  crushed
• 2:35
  and
• 2:35
  hopeless.
• 2:37
  But
• 2:37
  you're
• 2:38
  not
• 2:38
  crushed
• 2:39
  and
• 2:39
  you're
• 2:40
  not
• 2:40
  homeless.
• 2:42
  I
• 2:42
  want
• 2:42
  to
• 2:42
  start
• 2:42
  by
• 2:42
  telling
• 2:43
  you
• 2:43
  this.
• 2:43
  Consistency
• 2:44
  builds
• 2:44
  security
• 2:45
  long
• 2:45
  before
• 2:45
  the
• 2:46
  balance
• 2:46
  reflects
• 2:46
  it.
• 2:48
  So
• 2:48
  let's
• 2:48
  talk
• 2:48
  about
• 2:49
  how
• 2:49
  to
• 2:49
  do
• 2:49
  that.
• 2:49
  Practically.
• 2:50
  The
• 2:51
  first
• 2:51
  step
• 2:51
  is
• 2:52
  to
• 2:52
  redefine
• 2:53
  what
• 2:53
  a
• 2:53
  head
• 2:53
  means.
• 2:54
  I
• 2:55
  hear
• 2:55
  people
• 2:55
  use
• 2:55
  the
• 2:55
  word
• 2:56
  Ralph.
• 2:56
  I'll
• 2:56
  never
• 2:57
  get
• 2:57
  ahead.
• 2:58
  I
• 2:58
  just
• 2:58
  can't
• 2:59
  seem
• 2:59
  to
• 2:59
  get
• 2:59
  ahead.
• 2:59
  My
• 2:59
  mom
• 2:59
  used
• 3:00
  to
• 3:00
  say
• 3:00
  this
• 3:00
  all
• 3:00
  the
• 3:00
  time,
• 3:00
  get
• 3:01
  ahead.
• 3:02
  We
• 3:03
  gotta
• 3:03
  decide.
• 3:03
  What
• 3:03
  does
• 3:04
  ahead
• 3:04
  mean?
• 3:06
  Ahead
• 3:07
  doesn't
• 3:07
  mean
• 3:07
  wealthy.
• 3:09
  Listen,
• 3:10
  ahead
• 3:10
  me
• 3:10
  and
• 3:11
  mean
• 3:11
  wealthy.
• 3:11
  You
• 3:11
  may
• 3:11
  never
• 3:11
  be
• 3:12
  wealthy.
• 3:12
  Hate
• 3:13
  to
• 3:13
  break
• 3:13
  it
• 3:13
  to
• 3:13
  you,
• 3:13
  but
• 3:13
  you
• 3:13
  may
• 3:14
  never
• 3:14
  be
• 3:14
  wealthy.
• 3:15
  Money
• 3:15
  wise,
• 3:15
  I
• 3:15
  think
• 3:16
  we're
• 3:16
  all
• 3:16
  wealthy
• 3:17
  when
• 3:17
  it
• 3:17
  comes
• 3:17
  to
• 3:17
  our
• 3:18
  love
• 3:18
  of
• 3:18
  others
• 3:19
  and
• 3:19
  the
• 3:19
  love
• 3:19
  that
• 3:19
  we
• 3:19
  have
• 3:20
  from
• 3:20
  Christ.
• 3:21
  But
• 3:21
  for
• 3:21
  me,
• 3:22
  ahead
• 3:22
  means
• 3:23
  more.
• 3:23
  More
• 3:23
  stable
• 3:24
  than
• 3:24
  last
• 3:24
  month.
• 3:25
  Hey,
• 3:26
  maybe
• 3:26
  more
• 3:26
  stable
• 3:26
  than
• 3:27
  last
• 3:27
  week,
• 3:28
  more
• 3:29
  prepared
• 3:29
  than
• 3:29
  yesterday,
• 3:31
  and
• 3:31
  less
• 3:32
  reactive
• 3:32
  than
• 3:32
  before.
• 3:34
  If
• 3:35
  you
• 3:35
  saved
• 3:35
  $300
• 3:37
  and
• 3:38
  six
• 3:38
  months
• 3:38
  ago,
• 3:38
  you
• 3:39
  had
• 3:39
  zero.
• 3:40
  That's
• 3:41
  not
• 3:41
  small.
• 3:42
  That's
• 3:43
  movement.
• 3:45
  So
• 3:45
  focus
• 3:45
  on
• 3:46
  the
• 3:46
  habit,
• 3:46
  not
• 3:46
  the
• 3:47
  total.
• 3:49
  Security
• 3:49
  isn't
• 3:49
  built
• 3:50
  by
• 3:50
  one
• 3:50
  big
• 3:50
  deposit.
• 3:52
  It's
• 3:53
  built
• 3:53
  by
• 3:53
  repeated
• 3:54
  decisions
• 3:54
  day
• 3:54
  in
• 3:55
  and
• 3:55
  day
• 3:55
  out.
• 3:57
  For
• 3:57
  so
• 3:57
  many
• 3:57
  people,
• 3:58
  savings
• 3:59
  is
• 3:59
  less
• 3:59
  about
• 3:59
  the
• 4:00
  amount
• 4:00
  and
• 4:00
  more
• 4:01
  about
• 4:01
  the
• 4:01
  identity.
• 4:03
  I
• 4:03
  hear
• 4:03
  people
• 4:03
  say
• 4:03
  all
• 4:04
  the
• 4:04
  time,
• 4:04
  I'm
• 4:04
  never
• 4:05
  going
• 4:05
  to
• 4:05
  be
• 4:05
  a
• 4:05
  saver,
• 4:06
  Ralph,
• 4:07
  but
• 4:08
  let
• 4:08
  me
• 4:08
  tell
• 4:08
  you
• 4:08
  right
• 4:08
  now,
• 4:08
  you
• 4:08
  can
• 4:09
  become
• 4:09
  someone
• 4:09
  who
• 4:09
  saves
• 4:10
  first.
• 4:11
  I've
• 4:12
  talked
• 4:12
  about
• 4:12
  that
• 4:12
  on
• 4:12
  the
• 4:13
  show
• 4:13
  before.
• 4:13
  Maybe
• 4:13
  the
• 4:13
  way
• 4:13
  you
• 4:14
  solve
• 4:14
  this
• 4:14
  problem
• 4:14
  right
• 4:14
  now
• 4:15
  is,
• 4:15
  hey,
• 4:15
  as
• 4:16
  soon
• 4:16
  as
• 4:16
  I
• 4:16
  get
• 4:16
  paid,
• 4:17
  I
• 4:17
  put
• 4:18
  some
• 4:18
  money
• 4:18
  in
• 4:18
  savings
• 4:19
  right
• 4:19
  away.
• 4:21
  That
• 4:21
  identity
• 4:21
  shift
• 4:22
  is
• 4:22
  powerful,
• 4:23
  and
• 4:23
  it's
• 4:24
  more
• 4:24
  than
• 4:24
  the
• 4:24
  number.
• 4:26
  But
• 4:26
  how
• 4:27
  do
• 4:27
  you
• 4:27
  feel
• 4:27
  that?
• 4:28
  Because
• 4:28
  I
• 4:28
  hear
• 4:29
  in
• 4:29
  your
• 4:29
  listener
• 4:29
  question,
• 4:29
  you're
• 4:30
  like,
• 4:30
  ralph,
• 4:30
  I
• 4:30
  don't
• 4:30
  feel
• 4:30
  like
• 4:30
  I'm
• 4:31
  getting
• 4:31
  anywhere.
• 4:32
  We
• 4:33
  got
• 4:33
  to
• 4:33
  start
• 4:33
  tracking
• 4:34
  your
• 4:34
  progress
• 4:34
  in
• 4:34
  milestones.
• 4:36
  Instead
• 4:37
  of
• 4:37
  sitting
• 4:37
  there
• 4:37
  thinking,
• 4:37
  oh,
• 4:38
  I
• 4:38
  need
• 4:38
  $10,000,
• 4:39
  I
• 4:39
  want
• 4:39
  to
• 4:39
  buy
• 4:39
  a
• 4:39
  house,
• 4:40
  and
• 4:40
  I
• 4:40
  need
• 4:40
  $10,000
• 4:41
  for
• 4:41
  a
• 4:41
  deposit.
• 4:42
  That's
• 4:42
  fantastic.
• 4:44
  But
• 4:44
  if
• 4:45
  that
• 4:45
  is
• 4:45
  all
• 4:45
  you
• 4:45
  have
• 4:46
  in
• 4:46
  your
• 4:46
  goal,
• 4:46
  if
• 4:47
  that's
• 4:47
  all
• 4:47
  you
• 4:47
  see
• 4:47
  in
• 4:47
  front
• 4:47
  of
• 4:48
  you,
• 4:48
  it's
• 4:48
  going
• 4:48
  to
• 4:48
  be
• 4:48
  really
• 4:48
  a
• 4:49
  hard
• 4:49
  struggle.
• 4:49
  I
• 4:49
  remember
• 4:49
  when
• 4:50
  I
• 4:50
  was
• 4:50
  £430,
• 4:53
  I
• 4:53
  knew
• 4:53
  I
• 4:53
  weighed
• 4:54
  too
• 4:54
  much.
• 4:55
  My
• 4:55
  health
• 4:55
  wasn't
• 4:56
  good.
• 4:56
  Now
• 4:57
  I
• 4:57
  could
• 4:57
  have
• 4:57
  said,
• 4:57
  hey,
• 4:57
  I
• 4:58
  want
• 4:58
  to
• 4:58
  get
• 4:58
  down
• 4:58
  to
• 4:58
  200
• 4:58
  pounds.
• 4:59
  That's
• 4:59
  my
• 4:59
  goal.
• 4:59
  Right
• 4:59
  now
• 5:00
  I'm
• 5:00
  at
• 5:00
  like
• 5:00
  235.
• 5:02
  I've
• 5:02
  come
• 5:02
  a
• 5:02
  long
• 5:02
  way,
• 5:03
  but
• 5:04
  my
• 5:04
  initial
• 5:04
  goal
• 5:05
  was
• 5:05
  I
• 5:05
  want
• 5:06
  to
• 5:06
  lose
• 5:06
  five
• 5:06
  pounds.
• 5:08
  Well,
• 5:08
  you
• 5:08
  got
• 5:08
  to
• 5:08
  think
• 5:09
  about
• 5:09
  your
• 5:09
  money
• 5:09
  the
• 5:09
  same
• 5:10
  way.
• 5:11
  Maybe
• 5:11
  your
• 5:11
  savings,
• 5:12
  you
• 5:12
  break
• 5:12
  down,
• 5:12
  hey,
• 5:12
  I
• 5:12
  want
• 5:13
  to
• 5:13
  save
• 5:13
  $100.
• 5:14
  Celebrate
• 5:15
  that.
• 5:16
  Celebrate
• 5:16
  your
• 5:16
  first
• 5:17
  $500.
• 5:18
  Or
• 5:18
  if
• 5:18
  you're
• 5:18
  looking
• 5:18
  for
• 5:18
  10,000,
• 5:19
  celebrate
• 5:20
  a
• 5:20
  thousand
• 5:20
  along
• 5:20
  the
• 5:21
  way.
• 5:23
  Celebrate
• 5:23
  that.
• 5:24
  That
• 5:24
  moment
• 5:24
  that
• 5:25
  each
• 5:25
  milestone,
• 5:26
  that
• 5:26
  momentum
• 5:26
  builds
• 5:27
  motivation.
• 5:28
  And
• 5:28
  when
• 5:29
  you're
• 5:29
  motivated,
• 5:30
  you'll
• 5:30
  sustain
• 5:31
  in
• 5:31
  your
• 5:31
  discipline
• 5:32
  and
• 5:33
  build
• 5:33
  some
• 5:33
  micro
• 5:34
  wins
• 5:34
  into
• 5:34
  your
• 5:34
  system.
• 5:34
  I
• 5:35
  never
• 5:35
  forget
• 5:35
  when
• 5:35
  I
• 5:35
  was
• 5:36
  a
• 5:36
  kid,
• 5:36
  I
• 5:36
  guess
• 5:36
  I
• 5:36
  was
• 5:37
  a
• 5:37
  teenager
• 5:38
  in
• 5:38
  the
• 5:38
  United
• 5:38
  States,
• 5:38
  we
• 5:39
  had
• 5:39
  this
• 5:39
  thing
• 5:40
  called
• 5:40
  the
• 5:41
  March.
• 5:41
  Every.
• 5:41
  It
• 5:42
  was
• 5:42
  a
• 5:42
  walk.
• 5:42
  It
• 5:42
  was
• 5:42
  18
• 5:43
  miles,
• 5:43
  believe
• 5:44
  it
• 5:44
  or
• 5:44
  not.
• 5:45
  And
• 5:45
  I
• 5:45
  remember
• 5:45
  the
• 5:46
  first
• 5:46
  time
• 5:46
  I
• 5:46
  did
• 5:46
  it.
• 5:46
  A
• 5:47
  friend
• 5:47
  of
• 5:47
  mine
• 5:47
  and
• 5:48
  his
• 5:48
  mom
• 5:48
  and
• 5:48
  all
• 5:48
  that,
• 5:49
  we're
• 5:49
  going
• 5:49
  to
• 5:49
  do
• 5:49
  this
• 5:49
  walk.
• 5:50
  America,
• 5:50
  I
• 5:50
  think,
• 5:51
  is
• 5:51
  what
• 5:51
  it
• 5:51
  was
• 5:51
  called
• 5:51
  at
• 5:51
  the
• 5:52
  time.
• 5:52
  And
• 5:53
  I
• 5:53
  thought
• 5:53
  to
• 5:53
  myself,
• 5:54
  well,
• 5:54
  actually,
• 5:54
  they
• 5:54
  made
• 5:55
  it
• 5:55
  even
• 5:55
  sound
• 5:55
  worse
• 5:55
  because
• 5:56
  they
• 5:56
  said
• 5:56
  it
• 5:56
  was
• 5:56
  30
• 5:56
  kilometers.
• 5:57
  And
• 5:58
  I'm
• 5:58
  thinking,
• 5:58
  30
• 5:59
  kilometers,
• 6:00
  that's
• 6:00
  like
• 6:00
  a
• 6:00
  doggone
• 6:01
  marathon.
• 6:02
  It's
• 6:02
  18
• 6:03
  miles,
• 6:04
  and
• 6:04
  I'm
• 6:04
  gonna
• 6:05
  forget
• 6:05
  the
• 6:05
  first
• 6:05
  time
• 6:06
  I
• 6:06
  started,
• 6:06
  I
• 6:06
  got
• 6:06
  my
• 6:07
  comfortable
• 6:07
  shoes
• 6:07
  and
• 6:08
  I'm.
• 6:08
  I'm
• 6:08
  ready
• 6:08
  to
• 6:09
  go.
• 6:09
  And
• 6:09
  I
• 6:10
  never
• 6:10
  forget
• 6:10
  we
• 6:10
  started
• 6:10
  walking.
• 6:11
  I'm
• 6:11
  thinking,
• 6:11
  18
• 6:12
  miles.
• 6:12
  I'm
• 6:12
  never
• 6:12
  gonna
• 6:13
  finish
• 6:13
  this.
• 6:14
  But
• 6:14
  the
• 6:14
  coolest
• 6:15
  part
• 6:15
  is
• 6:16
  every
• 6:16
  three
• 6:16
  miles,
• 6:17
  there
• 6:17
  was
• 6:17
  a
• 6:17
  station.
• 6:18
  They
• 6:19
  broke
• 6:19
  it
• 6:19
  into
• 6:19
  steps.
• 6:20
  Well,
• 6:21
  you
• 6:21
  can
• 6:21
  do
• 6:21
  the
• 6:21
  same
• 6:21
  thing
• 6:22
  with
• 6:22
  your
• 6:22
  savings.
• 6:23
  Automate
• 6:24
  a
• 6:24
  small
• 6:24
  transfer.
• 6:25
  Hey,
• 6:25
  even
• 6:25
  if
• 6:25
  it's
• 6:26
  $15
• 6:26
  a
• 6:27
  paycheck,
• 6:28
  and
• 6:29
  then
• 6:29
  maybe
• 6:29
  you
• 6:29
  upgrade
• 6:29
  that
• 6:30
  every
• 6:30
  month.
• 6:30
  Say,
• 6:30
  you
• 6:30
  know
• 6:30
  what,
• 6:30
  I've
• 6:31
  been
• 6:31
  doing
• 6:31
  15,
• 6:31
  maybe
• 6:32
  I
• 6:32
  could
• 6:32
  do
• 6:32
  20
• 6:32
  now,
• 6:32
  and
• 6:33
  that
• 6:33
  20
• 6:34
  becomes
• 6:34
  30.
• 6:35
  And
• 6:36
  that
• 6:36
  tiny
• 6:36
  increase
• 6:37
  is
• 6:37
  compound.
• 6:39
  And
• 6:39
  it's
• 6:39
  not
• 6:39
  just
• 6:39
  a
• 6:40
  financial
• 6:40
  compound.
• 6:40
  I
• 6:41
  remember
• 6:41
  about
• 6:41
  halfway
• 6:41
  through
• 6:42
  the
• 6:42
  walk,
• 6:42
  they
• 6:43
  give
• 6:43
  you
• 6:43
  like,
• 6:43
  snacks
• 6:44
  and
• 6:44
  all
• 6:44
  this
• 6:44
  kind
• 6:44
  of
• 6:44
  stuff
• 6:45
  at
• 6:45
  each
• 6:45
  thing.
• 6:45
  And
• 6:45
  I
• 6:45
  thought
• 6:46
  to
• 6:46
  myself,
• 6:46
  way,
• 6:46
  wow,
• 6:47
  I'm
• 6:48
  almost
• 6:48
  getting
• 6:48
  there.
• 6:48
  There's
• 6:49
  only
• 6:49
  three
• 6:49
  more
• 6:49
  stops
• 6:50
  and
• 6:50
  then
• 6:50
  I'll
• 6:50
  be
• 6:50
  done.
• 6:51
  And
• 6:51
  that
• 6:52
  feeling,
• 6:52
  when
• 6:52
  I
• 6:52
  was
• 6:53
  done,
• 6:53
  man,
• 6:53
  I
• 6:53
  did
• 6:53
  that
• 6:54
  three
• 6:54
  years
• 6:54
  in
• 6:54
  a
• 6:54
  row.
• 6:54
  And
• 6:55
  each
• 6:55
  year
• 6:55
  got
• 6:55
  a
• 6:55
  little
• 6:55
  easier.
• 6:58
  But
• 6:58
  also
• 6:58
  anchor
• 6:59
  your
• 6:59
  security
• 6:59
  in
• 7:00
  something
• 7:00
  deeper.
• 7:02
  Yes,
• 7:02
  savings
• 7:03
  can
• 7:03
  bring
• 7:03
  stability,
• 7:05
  but
• 7:06
  that
• 7:06
  was
• 7:06
  never
• 7:06
  meant
• 7:06
  to
• 7:07
  be
• 7:07
  your
• 7:07
  ultimate
• 7:07
  security.
• 7:09
  Sure,
• 7:09
  your
• 7:10
  emergency
• 7:10
  fund
• 7:10
  protects
• 7:11
  your
• 7:11
  cash
• 7:11
  flow,
• 7:13
  should
• 7:13
  meet
• 7:13
  those
• 7:13
  needs
• 7:14
  when
• 7:14
  you
• 7:14
  have
• 7:14
  them,
• 7:16
  but
• 7:16
  God
• 7:16
  protects
• 7:16
  your
• 7:17
  life.
• 7:18
  That's
• 7:19
  where
• 7:19
  your
• 7:19
  real
• 7:19
  security
• 7:20
  is.
• 7:21
  And
• 7:22
  when
• 7:22
  that
• 7:22
  gap
• 7:22
  feels
• 7:23
  overwhelming,
• 7:23
  when
• 7:23
  you're
• 7:24
  first
• 7:24
  getting
• 7:24
  started,
• 7:26
  remind
• 7:26
  yourself
• 7:27
  this.
• 7:27
  You
• 7:27
  are
• 7:27
  stewarding
• 7:28
  wisely
• 7:29
  and
• 7:29
  you're
• 7:30
  trusting
• 7:30
  faithfully
• 7:32
  because
• 7:32
  that
• 7:32
  combination
• 7:33
  produces
• 7:33
  peace.
• 7:35
  And
• 7:35
  never
• 7:36
  forget
• 7:37
  those
• 7:37
  small
• 7:38
  steps.
• 7:38
  Those
• 7:38
  steps,
• 7:39
  as
• 7:39
  I
• 7:39
  started
• 7:39
  off
• 7:39
  walking
• 7:40
  at
• 7:40
  18
• 7:41
  miles,
• 7:42
  were
• 7:43
  still
• 7:43
  steps
• 7:43
  forward.
• 7:45
  Let's
• 7:45
  talk
• 7:45
  about
• 7:45
  today's
• 7:46
  win.
• 7:46
  I
• 7:46
  always
• 7:46
  want
• 7:46
  to
• 7:46
  give
• 7:47
  you
• 7:47
  a
• 7:47
  win.
• 7:47
  If
• 7:47
  you're
• 7:47
  new
• 7:47
  to
• 7:47
  the
• 7:48
  show.
• 7:48
  Every
• 7:48
  day
• 7:48
  I'm
• 7:48
  going
• 7:48
  to
• 7:49
  give
• 7:49
  you
• 7:49
  a
• 7:49
  win
• 7:49
  that
• 7:49
  you
• 7:49
  can
• 7:49
  take
• 7:50
  away
• 7:50
  and
• 7:50
  take
• 7:50
  to
• 7:50
  the
• 7:51
  bank,
• 7:51
  as
• 7:51
  they
• 7:51
  say.
• 7:52
  So
• 7:52
  today's
• 7:53
  win
• 7:53
  is
• 7:53
  this
• 7:54
  set
• 7:54
  up
• 7:55
  or
• 7:55
  confirm
• 7:55
  one
• 7:56
  automatic
• 7:56
  transfer,
• 7:57
  even
• 7:57
  if
• 7:57
  it's
• 7:57
  small.
• 7:59
  Hey,
• 7:59
  look,
• 7:59
  you
• 8:00
  can
• 8:00
  set
• 8:00
  aside
• 8:00
  $5
• 8:01
  a
• 8:01
  week
• 8:01
  in
• 8:01
  savings
• 8:02
  or
• 8:02
  every
• 8:02
  time
• 8:02
  you
• 8:02
  get
• 8:02
  a
• 8:02
  paycheck,
• 8:03
  just
• 8:03
  five
• 8:03
  bucks.
• 8:04
  Because
• 8:05
  what
• 8:05
  you're
• 8:05
  going
• 8:05
  to
• 8:05
  find
• 8:06
  is
• 8:06
  that
• 8:06
  consistency
• 8:07
  beats
• 8:07
  intensity
• 8:08
  every
• 8:08
  single
• 8:09
  time.
• 8:11
  Let's
• 8:11
  get
• 8:11
  to
• 8:11
  our
• 8:11
  Bible
• 8:12
  verse.
• 8:12
  We
• 8:12
  always
• 8:12
  want
• 8:12
  to
• 8:12
  share
• 8:12
  a
• 8:13
  Bible
• 8:13
  verse.
• 8:13
  This
• 8:13
  one
• 8:13
  comes
• 8:14
  to
• 8:14
  us
• 8:14
  from
• 8:14
  the
• 8:14
  book
• 8:14
  of
• 8:14
  Zechariah,
• 8:15
  not
• 8:16
  one
• 8:16
  that
• 8:16
  I
• 8:16
  mention
• 8:16
  often.
• 8:17
  Zechariah,
• 8:18
  chapter
• 8:18
  4,
• 8:18
  verse
• 8:19
  10.
• 8:20
  It
• 8:20
  says
• 8:20
  this.
• 8:21
  Who
• 8:22
  dares
• 8:22
  despise
• 8:23
  the
• 8:23
  day
• 8:23
  of
• 8:23
  small
• 8:24
  things,
• 8:25
  since
• 8:25
  the
• 8:25
  seven
• 8:26
  eyes
• 8:26
  of
• 8:26
  the
• 8:26
  Lord
• 8:26
  that
• 8:26
  reigns
• 8:27
  throughout
• 8:27
  the
• 8:27
  earth
• 8:27
  will
• 8:27
  rejoice
• 8:28
  when
• 8:28
  they
• 8:28
  see
• 8:28
  the
• 8:29
  chosen
• 8:29
  capstone
• 8:30
  in
• 8:30
  the
• 8:30
  hand
• 8:31
  of
• 8:31
  Zerubbabel.
• 8:32
  You're
• 8:33
  probably
• 8:33
  thinking
• 8:33
  like
• 8:33
  me
• 8:34
  what
• 8:34
  in
• 8:34
  the
• 8:34
  world
• 8:35
  does
• 8:35
  that
• 8:35
  have
• 8:35
  to
• 8:35
  do
• 8:36
  with
• 8:36
  anything?
• 8:37
  Here's
• 8:38
  what
• 8:38
  it
• 8:38
  has
• 8:38
  to
• 8:38
  do
• 8:38
  with
• 8:38
  it.
• 8:39
  God
• 8:40
  celebrates
• 8:40
  faithful
• 8:41
  small
• 8:42
  beginnings
• 8:43
  that
• 8:43
  eventually
• 8:44
  build
• 8:44
  something
• 8:44
  strong
• 8:45
  and
• 8:45
  lasting
• 8:48
  those
• 8:48
  decisions.
• 8:49
  That
• 8:49
  consistency
• 8:50
  is
• 8:51
  exactly
• 8:51
  what
• 8:51
  the
• 8:51
  scripture
• 8:52
  is
• 8:52
  talking
• 8:52
  about.
• 8:53
  Let's
• 8:53
  pray
• 8:54
  together.
• 8:55
  Lord
• 8:56
  God,
• 8:56
  when
• 8:56
  the
• 8:56
  gap
• 8:57
  feels
• 8:57
  overwhelming,
• 8:58
  I
• 8:58
  just
• 8:58
  want
• 8:58
  you
• 8:58
  to
• 8:58
  steady
• 8:59
  my
• 8:59
  friend's
• 8:59
  heart.
• 9:01
  Help
• 9:01
  them
• 9:02
  not
• 9:02
  to
• 9:02
  despise
• 9:02
  the
• 9:03
  small
• 9:03
  progress.
• 9:04
  Help
• 9:05
  them
• 9:05
  to
• 9:05
  see
• 9:05
  growth
• 9:06
  when
• 9:06
  they
• 9:06
  once
• 9:06
  saw
• 9:07
  nothing
• 9:07
  there.
• 9:08
  And
• 9:08
  Lord,
• 9:09
  give
• 9:09
  us
• 9:09
  each
• 9:09
  discipline
• 9:10
  to
• 9:10
  stay
• 9:10
  consistent
• 9:11
  and
• 9:12
  patience
• 9:12
  to
• 9:12
  trust
• 9:13
  the
• 9:13
  process.
• 9:15
  And
• 9:15
  remind
• 9:15
  us
• 9:16
  all
• 9:17
  in
• 9:17
  the
• 9:17
  end
• 9:18
  that
• 9:18
  you
• 9:19
  are
• 9:19
  our
• 9:19
  ultimate
• 9:19
  security.
• 9:21
  So
• 9:21
  let
• 9:21
  each
• 9:22
  small
• 9:22
  deposit
• 9:23
  be
• 9:23
  a
• 9:23
  step
• 9:23
  towards
• 9:24
  peace
• 9:24
  and
• 9:25
  not
• 9:25
  pressure.
• 9:26
  And
• 9:26
  we
• 9:26
  ask
• 9:27
  this
• 9:27
  in
• 9:27
  the
• 9:27
  mighty
• 9:27
  name
• 9:28
  of
• 9:28
  Jesus.
• 9:29
  Amen,
• 9:32
  friend.
• 9:32
  You
• 9:32
  don't
• 9:33
  need
• 9:33
  giant
• 9:33
  leaps.
• 9:35
  You
• 9:35
  just
• 9:35
  need
• 9:36
  faithful
• 9:36
  steps.
• 9:38
  And
• 9:38
  if
• 9:39
  you've
• 9:39
  got
• 9:39
  a
• 9:39
  question
• 9:39
  for
• 9:39
  the
• 9:40
  show,
• 9:40
  I
• 9:40
  love
• 9:40
  to
• 9:40
  answer
• 9:41
  questions.
• 9:41
  Just
• 9:41
  the
• 9:41
  heart
• 9:42
  of
• 9:42
  what
• 9:42
  I
• 9:42
  do
• 9:42
  here.
• 9:43
  I
• 9:43
  got
• 9:43
  a
• 9:43
  heart
• 9:43
  for
• 9:43
  helping
• 9:44
  people.
• 9:45
  If
• 9:45
  you've
• 9:45
  got
• 9:45
  a
• 9:45
  question
• 9:46
  for
• 9:46
  this
• 9:46
  show,
• 9:46
  go
• 9:46
  to
• 9:47
  financiallyconfidentchristian.com/question
• 9:51
  We'll
• 9:51
  put
• 9:51
  a
• 9:51
  link
• 9:52
  in
• 9:52
  the
• 9:52
  show
• 9:52
  notes.
• 9:52
  You
• 9:52
  can
• 9:52
  just
• 9:53
  click
• 9:53
  right
• 9:53
  on
• 9:53
  that.
• 9:53
  But
• 9:53
  go
• 9:54
  to
• 9:54
  financiallyconfidentchristian.com/question
• 9:59
  Thank
• 9:59
  you
• 9:59
  so
• 9:59
  much
• 10:00
  for
• 10:00
  joining
• 10:00
  me
• 10:00
  today.
• 10:01
  I
• 10:01
  just
• 10:01
  want
• 10:01
  to
• 10:01
  encourage
• 10:02
  you.
• 10:02
  You
• 10:02
  can
• 10:02
  do
• 10:02
  this.
• 10:03
  I
• 10:03
  have
• 10:03
  confidence
• 10:03
  in
• 10:04
  you.
• 10:04
  Stay
• 10:05
  financially
• 10:05
  savvy.
• 10:06
  May
• 10:06
  God
• 10:06
  bless
• 10:06
  you.
• 10:07
  And
• 10:08
  you
• 10:08
  have
• 10:08
  a
• 10:08
  great
• 10:08
  day
• 10:08
  today.