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Why Do I Feel Unprepared for Big Life Financial Decisions? · Becoming Financially Confident

• 0:38
  Marriage,
• 0:38
  buying
• 0:39
  a
• 0:39
  home,
• 0:39
  starting
• 0:40
  a
• 0:40
  family,
• 0:41
  changing
• 0:41
  careers.
• 0:43
  These
• 0:43
  are
• 0:43
  all
• 0:43
  big
• 0:44
  life
• 0:44
  moments
• 0:44
  that
• 0:44
  should
• 0:44
  bring
• 0:45
  you
• 0:45
  joy.
• 0:46
  Yet
• 0:46
  instead,
• 0:47
  for
• 0:47
  so
• 0:47
  many
• 0:47
  of
• 0:48
  us,
• 0:48
  feel
• 0:49
  that
• 0:49
  knot
• 0:49
  in
• 0:49
  our
• 0:50
  stomach.
• 0:51
  You
• 0:51
  start
• 0:51
  to
• 0:51
  ask
• 0:52
  yourself
• 0:52
  this
• 0:52
  question,
• 0:52
  how
• 0:53
  am
• 0:53
  I
• 0:53
  going
• 0:53
  to
• 0:53
  pay
• 0:53
  for
• 0:53
  this?
• 0:55
  Or
• 0:55
  maybe
• 0:55
  this
• 0:55
  one.
• 0:55
  What
• 0:56
  if
• 0:56
  I
• 0:56
  make
• 0:56
  the
• 0:56
  wrong
• 0:56
  choice?
• 0:58
  Or
• 0:58
  maybe
• 0:59
  how
• 0:59
  about
• 0:59
  this
• 0:59
  question?
• 1:00
  What
• 1:01
  if
• 1:01
  I
• 1:01
  ruin
• 1:01
  my
• 1:01
  future?
• 1:03
  And
• 1:03
  I'm
• 1:03
  going
• 1:03
  to
• 1:03
  tell
• 1:03
  you
• 1:03
  right
• 1:04
  now,
• 1:04
  you're
• 1:04
  not
• 1:04
  alone
• 1:04
  in
• 1:05
  this.
• 1:05
  A
• 1:06
  recent
• 1:06
  study
• 1:06
  found
• 1:07
  that
• 1:07
  77%
• 1:08
  of
• 1:08
  Americans
• 1:09
  feel
• 1:09
  anxious
• 1:10
  when
• 1:11
  making
• 1:11
  financial
• 1:12
  decisions.
• 1:13
  And
• 1:13
  here's
• 1:14
  the
• 1:14
  truth.
• 1:15
  If
• 1:15
  you
• 1:15
  feel
• 1:16
  unprepared,
• 1:18
  you're
• 1:18
  in
• 1:18
  the
• 1:18
  majority.
• 1:20
  But
• 1:20
  what
• 1:20
  if
• 1:20
  I
• 1:20
  told
• 1:20
  you
• 1:21
  didn't
• 1:21
  have
• 1:21
  to
• 1:21
  face
• 1:21
  those
• 1:22
  moments
• 1:22
  with
• 1:22
  fear?
• 1:23
  What
• 1:24
  if
• 1:24
  I
• 1:24
  told
• 1:24
  you
• 1:24
  that
• 1:24
  with
• 1:24
  God's
• 1:25
  wisdom
• 1:25
  and
• 1:25
  a
• 1:25
  simple
• 1:26
  roadmap,
• 1:27
  you
• 1:27
  can
• 1:27
  move
• 1:27
  from
• 1:28
  panic
• 1:28
  to
• 1:28
  peace?
• 1:30
  Well,
• 1:30
  stick
• 1:30
  with
• 1:30
  me
• 1:30
  today
• 1:30
  because
• 1:31
  that's
• 1:31
  exactly
• 1:31
  what
• 1:31
  I'm
• 1:31
  going
• 1:31
  to
• 1:32
  do.
• 1:32
  I'm
• 1:32
  going
• 1:32
  to
• 1:32
  break
• 1:32
  that
• 1:32
  down
• 1:33
  on
• 1:33
  today's
• 1:33
  show.
• 1:35
  This
• 1:36
  is
• 1:36
  Financially
• 1:36
  Confident
• 1:37
  Christian,
• 1:38
  your
• 1:38
  daily
• 1:38
  dose
• 1:38
  of
• 1:39
  gospel,
• 1:39
  grounded
• 1:40
  insight
• 1:40
  and
• 1:40
  faith
• 1:41
  driven
• 1:41
  tips
• 1:41
  to
• 1:42
  help
• 1:42
  you
• 1:42
  break
• 1:42
  the
• 1:42
  cycle
• 1:43
  of
• 1:43
  financial
• 1:43
  shame
• 1:44
  with
• 1:44
  confidence.
• 1:47
  Hey
• 1:47
  there.
• 1:48
  Welcome
• 1:48
  back
• 1:48
  to
• 1:48
  Financially
• 1:49
  Confident
• 1:49
  Christian.
• 1:50
  I'm
• 1:50
  Ralph
• 1:51
  and
• 1:51
  thank
• 1:51
  you
• 1:51
  for
• 1:51
  joining
• 1:52
  me
• 1:52
  every
• 1:52
  day
• 1:52
  as
• 1:53
  I
• 1:53
  help
• 1:53
  you
• 1:53
  break
• 1:53
  down
• 1:54
  the
• 1:54
  financial
• 1:54
  shame
• 1:55
  and
• 1:55
  step
• 1:56
  into
• 1:56
  true
• 1:56
  confidence.
• 1:56
  And
• 1:57
  we're
• 1:57
  continuing
• 1:57
  in
• 1:57
  our
• 1:58
  series
• 1:58
  Breaking
• 1:59
  Financial
• 1:59
  Change.
• 2:00
  We're
• 2:00
  breaking
• 2:00
  free
• 2:01
  of
• 2:01
  those
• 2:01
  things
• 2:02
  that
• 2:02
  hold
• 2:02
  back
• 2:02
  so
• 2:02
  many
• 2:03
  people
• 2:03
  when
• 2:04
  it
• 2:04
  comes
• 2:04
  to
• 2:04
  their
• 2:04
  finances.
• 2:05
  Now
• 2:06
  yesterday
• 2:06
  we
• 2:06
  talked
• 2:06
  about
• 2:07
  why
• 2:07
  giving
• 2:07
  feels
• 2:08
  risky.
• 2:08
  I
• 2:09
  broke
• 2:09
  that
• 2:09
  down.
• 2:09
  If
• 2:09
  you
• 2:10
  missed
• 2:10
  yesterday's
• 2:10
  show,
• 2:11
  I'm
• 2:11
  going
• 2:11
  to
• 2:11
  encourage
• 2:11
  you
• 2:11
  to
• 2:11
  go
• 2:12
  check
• 2:12
  it
• 2:12
  out.
• 2:12
  You
• 2:12
  can
• 2:12
  do
• 2:12
  that
• 2:13
  at
• 2:13
  our
• 2:13
  website.
• 2:14
  That's
• 2:14
  financiallyconfidentchristian.com
• 2:16
  hey,
• 2:17
  all
• 2:17
  of
• 2:17
  our
• 2:17
  previous
• 2:17
  episodes
• 2:18
  are
• 2:18
  right
• 2:18
  there.
• 2:19
  But
• 2:19
  today
• 2:20
  we're
• 2:20
  going
• 2:20
  to
• 2:20
  talk
• 2:20
  about
• 2:20
  those
• 2:21
  big,
• 2:21
  big
• 2:21
  decisions
• 2:22
  in
• 2:22
  life
• 2:22
  and
• 2:23
  why
• 2:23
  we
• 2:23
  all
• 2:23
  feel
• 2:24
  so
• 2:24
  unprepared
• 2:24
  for
• 2:25
  those.
• 2:26
  Hey,
• 2:26
  listen,
• 2:26
  we've
• 2:27
  all
• 2:27
  gone
• 2:27
  through
• 2:27
  this,
• 2:27
  or
• 2:27
  maybe
• 2:28
  we're
• 2:28
  going
• 2:28
  to
• 2:28
  go
• 2:28
  through
• 2:28
  it.
• 2:29
  Marriage,
• 2:30
  buying
• 2:31
  a
• 2:31
  home,
• 2:32
  having
• 2:32
  that
• 2:32
  baby.
• 2:33
  Hey,
• 2:34
  maybe
• 2:34
  retirement's
• 2:35
  down
• 2:35
  the
• 2:35
  road
• 2:35
  a
• 2:35
  little
• 2:35
  bit,
• 2:36
  a
• 2:36
  job
• 2:37
  shift.
• 2:37
  Or
• 2:38
  maybe
• 2:38
  for
• 2:38
  you
• 2:38
  it's
• 2:38
  owning
• 2:39
  your
• 2:39
  own
• 2:39
  small
• 2:39
  business.
• 2:41
  Each
• 2:41
  of
• 2:41
  these
• 2:41
  has
• 2:42
  huge
• 2:42
  financial
• 2:43
  implications
• 2:44
  and
• 2:44
  many
• 2:45
  of
• 2:45
  us
• 2:45
  feel
• 2:45
  a
• 2:45
  ton
• 2:46
  of
• 2:46
  emotions.
• 2:46
  One
• 2:46
  of
• 2:47
  the
• 2:47
  ones
• 2:47
  that
• 2:47
  I
• 2:47
  hear
• 2:48
  too
• 2:48
  many
• 2:48
  times
• 2:49
  is
• 2:49
  you
• 2:49
  feel
• 2:50
  overwhelmed.
• 2:51
  You
• 2:51
  just
• 2:51
  feel
• 2:51
  like
• 2:51
  you've
• 2:52
  got
• 2:52
  all
• 2:52
  these
• 2:52
  choices
• 2:53
  to
• 2:53
  make.
• 2:54
  Another
• 2:54
  emotion
• 2:55
  is
• 2:55
  fear.
• 2:56
  So
• 2:56
  many
• 2:56
  of
• 2:56
  us
• 2:57
  fear
• 2:57
  we're
• 2:57
  going
• 2:57
  to
• 2:57
  make
• 2:57
  the
• 2:57
  wrong
• 2:58
  decision.
• 2:58
  We're
• 2:59
  going
• 2:59
  to
• 2:59
  make
• 2:59
  a
• 2:59
  decision
• 3:00
  that's
• 3:00
  going
• 3:00
  to
• 3:00
  impact
• 3:01
  us
• 3:01
  for
• 3:01
  the
• 3:01
  rest
• 3:01
  of
• 3:02
  our
• 3:02
  lives.
• 3:03
  And
• 3:03
  when
• 3:03
  we
• 3:04
  live
• 3:04
  in
• 3:04
  Those
• 3:04
  emotions,
• 3:05
  and
• 3:06
  this
• 3:06
  is
• 3:06
  true
• 3:06
  in
• 3:06
  my
• 3:06
  life,
• 3:07
  and
• 3:07
  it
• 3:07
  might
• 3:07
  be
• 3:07
  in
• 3:07
  your
• 3:07
  life
• 3:08
  as
• 3:08
  you're
• 3:08
  listening
• 3:08
  right
• 3:09
  now,
• 3:09
  it
• 3:10
  leads
• 3:10
  to
• 3:10
  procrastination.
• 3:12
  And
• 3:12
  so
• 3:12
  often
• 3:12
  with
• 3:13
  procrastination,
• 3:14
  we
• 3:14
  miss
• 3:14
  opportunities
• 3:15
  to
• 3:15
  really
• 3:16
  thrive
• 3:16
  and
• 3:17
  to
• 3:17
  really
• 3:17
  grow
• 3:18
  both
• 3:18
  emotionally,
• 3:19
  spiritually
• 3:19
  and
• 3:20
  financially
• 3:20
  sometimes.
• 3:22
  Or
• 3:22
  we
• 3:22
  go
• 3:22
  to
• 3:22
  the
• 3:22
  other
• 3:22
  extreme.
• 3:23
  And
• 3:23
  I've
• 3:23
  been
• 3:23
  guilty
• 3:24
  of
• 3:24
  this
• 3:24
  one
• 3:24
  myself.
• 3:25
  My
• 3:25
  wife
• 3:25
  will
• 3:25
  tell
• 3:25
  you
• 3:25
  I'm
• 3:26
  mighty
• 3:26
  impulsive,
• 3:27
  but
• 3:27
  that
• 3:27
  impulsivity
• 3:29
  and
• 3:29
  it
• 3:29
  can
• 3:29
  lead
• 3:30
  to
• 3:30
  costly
• 3:30
  mistakes.
• 3:32
  I
• 3:32
  read
• 3:32
  this
• 3:32
  stat
• 3:32
  from
• 3:33
  CNBC.
• 3:33
  It
• 3:34
  says
• 3:34
  57%
• 3:35
  of
• 3:35
  engaged
• 3:35
  couples
• 3:36
  report
• 3:36
  money
• 3:37
  is
• 3:37
  their
• 3:37
  biggest
• 3:38
  source
• 3:38
  of
• 3:38
  stress.
• 3:39
  It's
• 3:40
  the
• 3:40
  truth.
• 3:40
  I've
• 3:40
  been
• 3:40
  working
• 3:40
  with
• 3:41
  couples
• 3:41
  for
• 3:41
  30
• 3:42
  years
• 3:42
  in
• 3:42
  my
• 3:42
  practice
• 3:43
  and
• 3:43
  I'm
• 3:43
  going
• 3:43
  to
• 3:44
  tell
• 3:44
  you
• 3:44
  right
• 3:44
  now,
• 3:45
  financial
• 3:46
  issues
• 3:47
  do
• 3:47
  cause
• 3:47
  so
• 3:48
  many
• 3:48
  stress
• 3:48
  points.
• 3:49
  They
• 3:49
  cause
• 3:49
  divorce,
• 3:50
  they
• 3:50
  cause
• 3:50
  breakups.
• 3:51
  And
• 3:52
  it's
• 3:52
  really
• 3:52
  a
• 3:52
  tough
• 3:52
  time.
• 3:53
  And
• 3:53
  for
• 3:54
  so
• 3:54
  many
• 3:54
  people,
• 3:55
  imagine
• 3:55
  the
• 3:55
  sleepless
• 3:56
  nights,
• 3:57
  those
• 3:57
  arguments
• 3:58
  with
• 3:58
  your
• 3:58
  spouse.
• 3:59
  For
• 4:00
  so
• 4:00
  many
• 4:00
  of
• 4:00
  us,
• 4:00
  we
• 4:00
  just
• 4:01
  second
• 4:01
  guessing
• 4:01
  every
• 4:02
  one
• 4:02
  of
• 4:02
  our
• 4:02
  decisions.
• 4:04
  But
• 4:04
  here's
• 4:04
  the
• 4:04
  thing,
• 4:05
  and
• 4:05
  I
• 4:05
  want
• 4:05
  you
• 4:05
  to
• 4:05
  hear
• 4:05
  this
• 4:06
  loud
• 4:06
  and
• 4:06
  clear.
• 4:06
  There
• 4:06
  is
• 4:06
  a
• 4:07
  strong
• 4:07
  faith
• 4:07
  connection
• 4:08
  to
• 4:08
  this.
• 4:09
  Now,
• 4:09
  modern
• 4:10
  culture
• 4:10
  says,
• 4:10
  hey,
• 4:10
  figure
• 4:11
  it
• 4:11
  out
• 4:11
  later,
• 4:11
  just
• 4:12
  follow
• 4:12
  your
• 4:12
  gut.
• 4:13
  We
• 4:13
  live
• 4:13
  in
• 4:13
  this
• 4:13
  time
• 4:14
  right
• 4:14
  now
• 4:14
  where
• 4:15
  culture
• 4:15
  tells
• 4:15
  us,
• 4:15
  just
• 4:15
  go
• 4:16
  with
• 4:16
  your
• 4:16
  gut,
• 4:16
  Ralph.
• 4:16
  You
• 4:16
  can
• 4:17
  make
• 4:17
  all
• 4:17
  the
• 4:17
  best
• 4:17
  decisions.
• 4:19
  But
• 4:19
  that's
• 4:19
  not
• 4:19
  biblical.
• 4:20
  God
• 4:21
  says
• 4:21
  something
• 4:22
  completely
• 4:22
  different.
• 4:23
  God
• 4:23
  tells
• 4:24
  us
• 4:24
  to
• 4:24
  prepare,
• 4:25
  God
• 4:26
  tells
• 4:26
  us
• 4:26
  to
• 4:26
  plan,
• 4:27
  and
• 4:28
  God
• 4:28
  tells
• 4:28
  us
• 4:28
  to
• 4:29
  seek
• 4:29
  wise
• 4:29
  counsel.
• 4:30
  Let's
• 4:30
  get
• 4:30
  right
• 4:30
  into
• 4:30
  the
• 4:31
  Good
• 4:31
  Book
• 4:31
  to
• 4:32
  talk
• 4:32
  about
• 4:32
  where
• 4:32
  God
• 4:33
  is
• 4:33
  trying
• 4:33
  to
• 4:33
  take
• 4:33
  us.
• 4:34
  As
• 4:34
  we
• 4:34
  think
• 4:35
  about
• 4:35
  pondering
• 4:35
  these
• 4:35
  big
• 4:36
  decisions,
• 4:37
  let's
• 4:37
  get
• 4:37
  right
• 4:38
  to
• 4:38
  the
• 4:38
  first
• 4:38
  verse,
• 4:39
  and
• 4:39
  that's
• 4:39
  Proverbs
• 4:40
  chapter
• 4:40
  22,
• 4:41
  verse
• 4:41
  3.
• 4:42
  And
• 4:42
  I've
• 4:42
  used
• 4:42
  this
• 4:42
  on
• 4:42
  the
• 4:43
  show
• 4:43
  many
• 4:43
  times,
• 4:43
  but
• 4:44
  it
• 4:44
  nails
• 4:44
  exactly
• 4:45
  what
• 4:45
  we're
• 4:45
  talking
• 4:45
  about.
• 4:46
  Again,
• 4:47
  Proverbs
• 4:47
  22:3,
• 4:49
  the
• 4:49
  prudence,
• 4:49
  see
• 4:50
  danger
• 4:50
  and
• 4:50
  take
• 4:50
  refuge,
• 4:52
  but
• 4:52
  the
• 4:52
  simple,
• 4:52
  keep
• 4:53
  going
• 4:53
  and
• 4:53
  suffer
• 4:54
  for
• 4:54
  it.
• 4:55
  What
• 4:55
  is
• 4:55
  this
• 4:56
  really
• 4:56
  telling
• 4:56
  us?
• 4:57
  This
• 4:57
  is
• 4:57
  really
• 4:58
  telling
• 4:58
  us
• 4:58
  that
• 4:58
  preparation,
• 4:59
  being
• 5:00
  prepared,
• 5:01
  putting
• 5:01
  a
• 5:01
  plan
• 5:02
  together
• 5:03
  is
• 5:03
  biblical
• 5:04
  wisdom.
• 5:04
  We
• 5:05
  want
• 5:05
  to
• 5:05
  learn
• 5:05
  from
• 5:05
  that.
• 5:05
  Let's
• 5:06
  look
• 5:06
  at
• 5:06
  the
• 5:06
  next
• 5:06
  verse
• 5:07
  and
• 5:07
  That's
• 5:07
  Luke,
• 5:07
  chapter
• 5:08
  14,
• 5:08
  verses
• 5:09
  28
• 5:10
  to
• 5:10
  30.
• 5:10
  Now
• 5:10
  what
• 5:10
  we're
• 5:11
  talking
• 5:11
  about
• 5:11
  here
• 5:11
  is
• 5:12
  Jesus
• 5:12
  making
• 5:13
  a
• 5:13
  parable
• 5:13
  about
• 5:14
  someone
• 5:14
  building
• 5:14
  a
• 5:15
  tower.
• 5:15
  Again,
• 5:16
  this
• 5:16
  is
• 5:16
  Luke
• 5:16
  14,
• 5:17
  28,
• 5:18
  30.
• 5:19
  Won't
• 5:19
  you
• 5:19
  first
• 5:19
  sit
• 5:20
  down
• 5:20
  and
• 5:20
  estimate
• 5:21
  the
• 5:21
  cost
• 5:22
  to
• 5:22
  see
• 5:22
  if
• 5:22
  you
• 5:22
  have
• 5:22
  enough
• 5:23
  money
• 5:23
  to
• 5:23
  complete
• 5:24
  it?
• 5:24
  And
• 5:25
  you
• 5:25
  think
• 5:25
  about
• 5:25
  this.
• 5:26
  Even
• 5:27
  Jesus
• 5:27
  himself
• 5:28
  said,
• 5:29
  wait
• 5:29
  a
• 5:29
  second.
• 5:30
  Measure
• 5:31
  twice,
• 5:31
  cut
• 5:32
  once,
• 5:33
  estimate
• 5:33
  what
• 5:34
  these
• 5:34
  things
• 5:34
  are
• 5:34
  going
• 5:34
  to
• 5:35
  cost.
• 5:35
  And
• 5:36
  the
• 5:36
  final
• 5:36
  Bible
• 5:36
  verse
• 5:37
  for
• 5:37
  today
• 5:37
  comes
• 5:37
  Back
• 5:38
  to
• 5:38
  us
• 5:38
  from
• 5:38
  the
• 5:38
  book
• 5:38
  of
• 5:39
  Proverbs.
• 5:39
  This
• 5:40
  is
• 5:40
  from
• 5:40
  Proverbs.
• 5:41
  Chapter
• 5:41
  15,
• 5:42
  verse
• 5:42
  22
• 5:43
  says
• 5:44
  this
• 5:45
  plans
• 5:45
  fail
• 5:45
  for
• 5:46
  the
• 5:46
  lack
• 5:46
  of
• 5:46
  counsel,
• 5:47
  but
• 5:47
  with
• 5:48
  many
• 5:48
  advisors,
• 5:49
  they
• 5:49
  succeed.
• 5:50
  It's
• 5:51
  kind
• 5:51
  of
• 5:51
  the
• 5:51
  trifecta
• 5:52
  of
• 5:52
  what
• 5:52
  we're
• 5:52
  talking
• 5:52
  about
• 5:52
  today.
• 5:53
  Plan,
• 5:54
  estimate,
• 5:55
  and
• 5:56
  find
• 5:56
  wisely
• 5:57
  good
• 5:58
  counsel.
• 5:58
  I
• 5:59
  found
• 5:59
  this
• 5:59
  from
• 5:59
  barn
• 6:00
  of
• 6:00
  research.
• 6:00
  I
• 6:01
  found
• 6:01
  this
• 6:01
  very
• 6:01
  fascinating.
• 6:02
  About
• 6:02
  now
• 6:02
  we're
• 6:03
  talking
• 6:03
  specifically
• 6:03
  about
• 6:03
  Christians.
• 6:04
  Again,
• 6:04
  this
• 6:04
  is
• 6:04
  barn
• 6:05
  of
• 6:05
  research.
• 6:06
  Only
• 6:06
  29%
• 6:07
  of
• 6:08
  practicing
• 6:08
  Christians
• 6:09
  say
• 6:09
  they
• 6:10
  regularly
• 6:10
  seek
• 6:11
  biblical
• 6:11
  wisdom
• 6:12
  before
• 6:12
  making
• 6:12
  financial
• 6:13
  decisions.
• 6:15
  And
• 6:15
  I
• 6:15
  was
• 6:15
  really
• 6:15
  upset
• 6:16
  by
• 6:16
  that.
• 6:17
  We
• 6:17
  live
• 6:17
  a
• 6:18
  Christian
• 6:18
  faith
• 6:19
  that
• 6:19
  is
• 6:20
  all
• 6:20
  about
• 6:20
  relying
• 6:21
  on
• 6:21
  God.
• 6:22
  And
• 6:22
  this
• 6:22
  statistic
• 6:23
  really
• 6:23
  bothered
• 6:23
  me
• 6:24
  because
• 6:24
  only
• 6:24
  29%
• 6:25
  of
• 6:25
  practicing
• 6:25
  Christians
• 6:26
  said
• 6:26
  that
• 6:27
  they
• 6:27
  seek
• 6:27
  biblical
• 6:28
  wisdom
• 6:28
  before
• 6:29
  making
• 6:29
  financial
• 6:30
  decisions.
• 6:31
  It's
• 6:31
  one
• 6:31
  of
• 6:31
  the
• 6:31
  reasons
• 6:31
  I
• 6:32
  started
• 6:32
  the
• 6:32
  show.
• 6:33
  I'm
• 6:33
  trying
• 6:33
  to
• 6:33
  bridge
• 6:34
  that
• 6:34
  gap
• 6:34
  between
• 6:34
  faith
• 6:35
  and
• 6:35
  finances.
• 6:36
  And
• 6:36
  I
• 6:36
  want
• 6:36
  to
• 6:37
  show
• 6:37
  you
• 6:37
  each
• 6:37
  and
• 6:37
  every
• 6:38
  day
• 6:38
  how
• 6:38
  those
• 6:39
  things
• 6:39
  are
• 6:40
  so
• 6:40
  interconnected.
• 6:42
  And
• 6:42
  if
• 6:42
  you
• 6:42
  think
• 6:42
  about
• 6:43
  it
• 6:43
  in
• 6:44
  the
• 6:44
  decision
• 6:44
  points
• 6:45
  of
• 6:45
  this,
• 6:46
  think
• 6:46
  about
• 6:46
  a
• 6:46
  couple
• 6:47
  that's
• 6:47
  rushing
• 6:47
  in
• 6:47
  to
• 6:47
  buy
• 6:48
  their
• 6:48
  first
• 6:48
  house.
• 6:49
  They
• 6:49
  haven't
• 6:49
  planned.
• 6:50
  They
• 6:50
  just
• 6:50
  said,
• 6:50
  everybody's
• 6:51
  got
• 6:51
  a
• 6:51
  house,
• 6:51
  I
• 6:51
  got
• 6:51
  to
• 6:51
  go
• 6:52
  get
• 6:52
  one.
• 6:52
  They
• 6:53
  haven't
• 6:53
  sought
• 6:54
  wise
• 6:54
  counsel.
• 6:55
  And
• 6:55
  what
• 6:56
  do
• 6:56
  they
• 6:56
  do?
• 6:56
  They
• 6:56
  buy
• 6:57
  this
• 6:57
  house
• 6:57
  and
• 6:58
  it
• 6:58
  causes
• 6:58
  such
• 6:59
  financial
• 6:59
  strain.
• 7:00
  I've
• 7:00
  seen
• 7:00
  that
• 7:00
  destroy
• 7:01
  marriages.
• 7:02
  I've
• 7:02
  seen
• 7:02
  it
• 7:02
  destroy
• 7:03
  families.
• 7:04
  But
• 7:04
  on
• 7:05
  the
• 7:05
  other
• 7:05
  hand,
• 7:06
  if
• 7:06
  we
• 7:06
  seek
• 7:07
  counsel
• 7:07
  first,
• 7:09
  we
• 7:09
  can
• 7:09
  find
• 7:09
  peace
• 7:10
  and
• 7:10
  we
• 7:11
  can
• 7:11
  find
• 7:11
  stability
• 7:12
  and
• 7:12
  make
• 7:12
  much
• 7:13
  better
• 7:13
  decisions.
• 7:14
  So
• 7:15
  the
• 7:15
  key
• 7:15
  question
• 7:15
  for
• 7:15
  today
• 7:16
  is
• 7:17
  how
• 7:17
  can
• 7:17
  I
• 7:17
  move
• 7:17
  from
• 7:18
  being
• 7:18
  unprepared
• 7:19
  to
• 7:19
  confident?
• 7:20
  And
• 7:20
  I'm
• 7:21
  going
• 7:21
  to
• 7:21
  give
• 7:21
  you
• 7:21
  just
• 7:21
  one
• 7:21
  step
• 7:22
  today
• 7:22
  that's
• 7:22
  going
• 7:23
  to
• 7:23
  shift
• 7:23
  you
• 7:23
  from
• 7:23
  fear
• 7:24
  to
• 7:24
  clarity.
• 7:25
  And
• 7:25
  I
• 7:25
  love
• 7:26
  what
• 7:26
  Dave
• 7:26
  Ramsey
• 7:26
  said.
• 7:27
  I
• 7:27
  don't
• 7:27
  often
• 7:27
  quote
• 7:27
  Dave
• 7:28
  Ramsey
• 7:28
  on
• 7:28
  this
• 7:28
  show.
• 7:29
  Him
• 7:29
  and
• 7:29
  I
• 7:29
  have
• 7:29
  a
• 7:29
  little
• 7:30
  different
• 7:30
  opinion
• 7:30
  about
• 7:30
  stuff.
• 7:31
  But
• 7:31
  what
• 7:31
  he
• 7:31
  said
• 7:31
  here
• 7:31
  was
• 7:32
  perfect.
• 7:32
  Right
• 7:32
  on
• 7:32
  point
• 7:33
  again,
• 7:33
  this
• 7:33
  is
• 7:33
  from
• 7:33
  Dave
• 7:34
  Ramsey.
• 7:35
  You
• 7:35
  can
• 7:35
  wander
• 7:36
  into
• 7:36
  debt,
• 7:37
  but
• 7:37
  you
• 7:37
  can't
• 7:37
  wander
• 7:38
  out.
• 7:39
  Big
• 7:39
  financial
• 7:40
  decisions
• 7:40
  require
• 7:41
  a
• 7:41
  plan
• 7:41
  on
• 7:42
  paper,
• 7:42
  on
• 7:42
  purpose.
• 7:44
  And
• 7:44
  that's
• 7:44
  really
• 7:44
  what
• 7:44
  I
• 7:44
  think
• 7:45
  encapsulates
• 7:45
  what
• 7:46
  I'm
• 7:46
  talking
• 7:46
  about
• 7:46
  today.
• 7:46
  So
• 7:47
  here's
• 7:47
  your
• 7:47
  action
• 7:47
  step
• 7:48
  today
• 7:48
  to
• 7:49
  really
• 7:49
  get
• 7:49
  in
• 7:50
  better
• 7:50
  ways
• 7:51
  of
• 7:51
  making
• 7:51
  those
• 7:51
  big
• 7:52
  financial
• 7:52
  decisions.
• 7:52
  There's
• 7:53
  four
• 7:53
  steps
• 7:53
  to
• 7:53
  this.
• 7:54
  The
• 7:54
  first
• 7:54
  one
• 7:55
  I
• 7:55
  want
• 7:55
  you
• 7:55
  to
• 7:55
  do
• 7:56
  is
• 7:56
  just
• 7:56
  identify
• 7:57
  one
• 7:57
  decision
• 7:58
  you're
• 7:58
  facing
• 7:59
  right
• 7:59
  now.
• 8:00
  Just
• 8:00
  start
• 8:00
  off
• 8:00
  with
• 8:01
  here's
• 8:01
  my
• 8:01
  decision
• 8:02
  point.
• 8:02
  Maybe
• 8:02
  you're
• 8:02
  thinking
• 8:02
  about
• 8:03
  buying
• 8:03
  a
• 8:03
  home.
• 8:04
  Maybe
• 8:04
  you're
• 8:04
  thinking
• 8:04
  about
• 8:04
  trading
• 8:05
  in
• 8:05
  that
• 8:05
  car
• 8:05
  and
• 8:05
  buying
• 8:06
  a
• 8:06
  new
• 8:06
  car.
• 8:06
  Whatever
• 8:07
  that
• 8:07
  is,
• 8:07
  write
• 8:08
  it
• 8:08
  down.
• 8:08
  That's
• 8:09
  Step
• 8:09
  one,
• 8:10
  the
• 8:10
  second
• 8:10
  step,
• 8:11
  I
• 8:11
  want
• 8:11
  you
• 8:11
  to
• 8:11
  break
• 8:12
  that
• 8:12
  into
• 8:12
  one
• 8:12
  or
• 8:13
  two
• 8:13
  questions.
• 8:14
  For
• 8:14
  example,
• 8:15
  child
• 8:16
  care
• 8:16
  costs.
• 8:16
  Let's
• 8:16
  say
• 8:16
  you're
• 8:17
  thinking
• 8:17
  about
• 8:17
  having
• 8:17
  a
• 8:18
  baby.
• 8:18
  Well,
• 8:18
  one
• 8:19
  of
• 8:19
  the
• 8:19
  things
• 8:19
  you
• 8:19
  might
• 8:19
  want
• 8:19
  to
• 8:20
  think
• 8:20
  about
• 8:20
  if
• 8:20
  you're
• 8:20
  a
• 8:21
  two
• 8:21
  income
• 8:22
  wage
• 8:22
  earner
• 8:22
  family,
• 8:23
  you're
• 8:23
  going
• 8:23
  to
• 8:24
  have
• 8:24
  child
• 8:24
  care
• 8:24
  costs.
• 8:25
  So
• 8:25
  that's
• 8:25
  a
• 8:25
  question
• 8:26
  you
• 8:26
  can
• 8:26
  write
• 8:26
  down.
• 8:27
  Another
• 8:28
  question
• 8:28
  here's
• 8:28
  if
• 8:28
  you
• 8:28
  think
• 8:29
  about
• 8:29
  buying
• 8:29
  a
• 8:29
  new
• 8:29
  home,
• 8:30
  how
• 8:30
  much
• 8:30
  are
• 8:31
  you
• 8:31
  going
• 8:31
  to
• 8:31
  need
• 8:31
  for
• 8:31
  a
• 8:31
  down
• 8:31
  payment?
• 8:32
  How
• 8:33
  much
• 8:33
  you're
• 8:33
  going
• 8:33
  to
• 8:33
  need
• 8:33
  to
• 8:33
  have
• 8:34
  set
• 8:34
  aside
• 8:34
  for
• 8:34
  those
• 8:34
  repairs
• 8:35
  or
• 8:35
  those
• 8:35
  things
• 8:36
  that
• 8:36
  you
• 8:36
  aren't
• 8:36
  expecting?
• 8:37
  And
• 8:37
  maybe
• 8:38
  you're
• 8:38
  thinking
• 8:38
  about
• 8:38
  training
• 8:39
  jobs
• 8:39
  and
• 8:40
  going
• 8:40
  after
• 8:40
  a
• 8:40
  new
• 8:41
  position.
• 8:42
  One
• 8:42
  of
• 8:42
  the
• 8:42
  questions
• 8:42
  you
• 8:42
  might
• 8:43
  need
• 8:43
  to
• 8:43
  write
• 8:43
  down
• 8:43
  is
• 8:44
  are
• 8:44
  there
• 8:44
  going
• 8:44
  to
• 8:44
  be
• 8:45
  training
• 8:45
  costs?
• 8:46
  Am
• 8:46
  I
• 8:46
  going
• 8:46
  to
• 8:46
  go
• 8:47
  back
• 8:47
  to
• 8:47
  school
• 8:47
  and
• 8:48
  learn
• 8:48
  new
• 8:48
  steps?
• 8:48
  So
• 8:49
  that's
• 8:49
  the
• 8:49
  second
• 8:49
  step.
• 8:50
  Break
• 8:50
  it
• 8:50
  down
• 8:51
  into
• 8:51
  one
• 8:51
  or
• 8:51
  two
• 8:52
  questions.
• 8:53
  Third
• 8:53
  step
• 8:53
  and
• 8:54
  this
• 8:54
  is
• 8:54
  the
• 8:54
  hard
• 8:54
  part.
• 8:55
  Research
• 8:56
  just
• 8:56
  one
• 8:57
  fact.
• 8:58
  Just
• 8:58
  take
• 8:58
  15
• 8:59
  or
• 8:59
  20
• 8:59
  minutes
• 8:59
  today.
• 9:00
  Go
• 9:00
  to
• 9:00
  a
• 9:01
  reliable
• 9:01
  source,
• 9:02
  maybe
• 9:02
  an
• 9:02
  advisor,
• 9:03
  or
• 9:03
  go
• 9:03
  somewhere
• 9:04
  and
• 9:04
  research
• 9:05
  facts
• 9:06
  about
• 9:06
  that
• 9:06
  question
• 9:07
  you're
• 9:07
  talking
• 9:07
  about.
• 9:08
  Do
• 9:08
  a
• 9:08
  Google
• 9:08
  search.
• 9:09
  Use
• 9:09
  some
• 9:09
  AI
• 9:10
  tools.
• 9:10
  But
• 9:11
  bigger
• 9:11
  than
• 9:11
  those
• 9:11
  things,
• 9:12
  ask
• 9:13
  some
• 9:13
  people
• 9:13
  around
• 9:14
  you
• 9:14
  who
• 9:14
  have
• 9:14
  been
• 9:15
  down
• 9:15
  that
• 9:15
  road,
• 9:16
  hey,
• 9:16
  go
• 9:16
  listen
• 9:17
  to
• 9:17
  my
• 9:17
  back
• 9:17
  catalog.
• 9:17
  You
• 9:18
  can
• 9:18
  find
• 9:18
  all
• 9:18
  those
• 9:19
  at
• 9:19
  Financially
• 9:20
  Confident
• 9:20
  Christian.
• 9:21
  I'd
• 9:21
  be
• 9:21
  willing
• 9:21
  to
• 9:21
  bet
• 9:21
  we've
• 9:22
  covered
• 9:22
  most
• 9:22
  of
• 9:23
  the
• 9:23
  major
• 9:23
  financial
• 9:24
  decisions.
• 9:24
  But
• 9:25
  it
• 9:25
  all
• 9:25
  starts
• 9:26
  with
• 9:26
  researching
• 9:27
  that
• 9:27
  and
• 9:27
  then
• 9:27
  making
• 9:28
  an
• 9:28
  informed
• 9:28
  decision.
• 9:30
  And
• 9:30
  then
• 9:30
  the
• 9:30
  next
• 9:30
  step.
• 9:31
  And
• 9:31
  the
• 9:31
  final
• 9:31
  step
• 9:32
  is
• 9:32
  schedule
• 9:33
  your
• 9:33
  next
• 9:33
  prep.
• 9:34
  And
• 9:35
  what
• 9:35
  I'm
• 9:35
  talking
• 9:35
  about
• 9:35
  there
• 9:36
  is
• 9:36
  thinking
• 9:36
  about
• 9:37
  how
• 9:37
  you're
• 9:37
  going
• 9:38
  to
• 9:38
  build
• 9:38
  this
• 9:38
  together.
• 9:39
  If
• 9:39
  you're
• 9:39
  with
• 9:39
  a
• 9:39
  couple,
• 9:40
  sit
• 9:40
  down
• 9:40
  and
• 9:41
  talk
• 9:41
  about
• 9:41
  what
• 9:41
  this
• 9:42
  decision
• 9:42
  is
• 9:42
  going
• 9:42
  to
• 9:43
  be.
• 9:43
  Maybe
• 9:44
  you're
• 9:44
  by
• 9:44
  yourself
• 9:44
  and
• 9:44
  you
• 9:45
  want
• 9:45
  to
• 9:45
  work
• 9:45
  with
• 9:45
  a
• 9:45
  mentor.
• 9:46
  Well,
• 9:46
  go
• 9:46
  plan
• 9:46
  that
• 9:47
  mentor
• 9:47
  meeting
• 9:48
  or
• 9:48
  it's
• 9:48
  an
• 9:48
  advisor
• 9:49
  you
• 9:49
  want
• 9:49
  to
• 9:49
  meet
• 9:49
  with.
• 9:50
  Surround
• 9:51
  yourself
• 9:51
  with
• 9:52
  good
• 9:52
  people.
• 9:53
  Don't
• 9:53
  make
• 9:53
  an
• 9:53
  impulsive
• 9:54
  decision.
• 9:55
  And
• 9:55
  when
• 9:55
  you
• 9:56
  do
• 9:56
  these
• 9:56
  things,
• 9:56
  and
• 9:56
  I
• 9:57
  truly
• 9:57
  believe
• 9:57
  this,
• 9:58
  when
• 9:58
  you
• 9:58
  really
• 9:59
  do
• 9:59
  these
• 9:59
  things,
• 10:00
  you're
• 10:00
  going
• 10:00
  to
• 10:00
  reduce
• 10:01
  your
• 10:01
  overwhelm
• 10:02
  because
• 10:02
  you're
• 10:02
  going
• 10:03
  to
• 10:03
  break
• 10:03
  these
• 10:03
  things
• 10:03
  into
• 10:04
  bite
• 10:04
  sized,
• 10:05
  small,
• 10:05
  manageable
• 10:05
  pieces.
• 10:06
  You're
• 10:07
  going
• 10:07
  to
• 10:07
  build
• 10:07
  your
• 10:07
  knowledge,
• 10:08
  which
• 10:08
  is
• 10:08
  a
• 10:08
  great
• 10:08
  thing.
• 10:08
  We
• 10:09
  all
• 10:09
  can
• 10:09
  use
• 10:09
  more
• 10:09
  knowledge.
• 10:10
  It's
• 10:11
  going
• 10:11
  to
• 10:11
  help
• 10:11
  you
• 10:11
  grow
• 10:11
  your
• 10:12
  confidence.
• 10:13
  Guess
• 10:13
  what?
• 10:13
  In
• 10:13
  the
• 10:14
  end,
• 10:14
  it
• 10:15
  aligns
• 10:15
  with
• 10:16
  God's
• 10:16
  plan.
• 10:17
  God
• 10:17
  wants
• 10:17
  us
• 10:18
  to
• 10:18
  be
• 10:18
  thoughtful.
• 10:19
  God
• 10:19
  wants
• 10:20
  us
• 10:20
  to
• 10:20
  make
• 10:20
  diligent
• 10:21
  plans
• 10:21
  so
• 10:21
  that
• 10:21
  we
• 10:22
  can
• 10:22
  be
• 10:22
  wise.
• 10:23
  How
• 10:23
  about
• 10:23
  we
• 10:23
  pray
• 10:24
  together
• 10:24
  now?
• 10:25
  Father
• 10:25
  God,
• 10:25
  thank
• 10:26
  you
• 10:26
  for
• 10:26
  guiding
• 10:27
  us
• 10:27
  through
• 10:27
  life's
• 10:27
  biggest
• 10:28
  moments.
• 10:29
  And
• 10:29
  Lord,
• 10:29
  we
• 10:29
  confess
• 10:30
  that
• 10:30
  these
• 10:30
  financial
• 10:30
  crossroads
• 10:31
  often
• 10:31
  leave
• 10:32
  us
• 10:32
  afraid
• 10:32
  and
• 10:33
  they
• 10:33
  leave
• 10:33
  us
• 10:33
  unprepared
• 10:34
  and
• 10:34
  we
• 10:34
  feel
• 10:35
  overwhelmed.
• 10:36
  We
• 10:36
  just
• 10:37
  ask
• 10:37
  that
• 10:37
  you
• 10:37
  would
• 10:37
  give
• 10:37
  us
• 10:38
  wisdom
• 10:38
  to
• 10:38
  slow
• 10:38
  down,
• 10:39
  Lord,
• 10:40
  the
• 10:40
  courage
• 10:40
  to
• 10:41
  seek
• 10:41
  wise,
• 10:41
  Godly
• 10:42
  counsel.
• 10:43
  And
• 10:43
  most
• 10:43
  of
• 10:43
  all,
• 10:44
  Lord,
• 10:44
  the
• 10:44
  faith
• 10:44
  to
• 10:45
  trust
• 10:45
  you
• 10:45
  above
• 10:46
  all
• 10:46
  of
• 10:46
  our
• 10:46
  fears.
• 10:47
  Help
• 10:48
  us
• 10:48
  take
• 10:48
  even
• 10:48
  one
• 10:49
  small
• 10:49
  step
• 10:49
  today
• 10:50
  towards
• 10:50
  peace,
• 10:51
  Lord.
• 10:51
  Take
• 10:51
  us
• 10:52
  one
• 10:52
  small
• 10:52
  step
• 10:53
  towards
• 10:53
  clarity
• 10:54
  and
• 10:54
  one
• 10:54
  small
• 10:55
  step
• 10:55
  towards
• 10:55
  confidence
• 10:56
  in
• 10:56
  your
• 10:56
  will,
• 10:56
  Lord.
• 10:57
  And
• 10:57
  we
• 10:57
  ask
• 10:57
  this
• 10:57
  in
• 10:58
  true
• 10:58
  confidence
• 10:59
  in
• 10:59
  the
• 10:59
  name
• 10:59
  of
• 10:59
  Jesus.
• 11:01
  Amen.
• 11:02
  Preparation
• 11:03
  reduces
• 11:04
  stress
• 11:04
  and
• 11:05
  it
• 11:05
  builds
• 11:05
  peace.
• 11:07
  So
• 11:07
  I'm
• 11:07
  going
• 11:07
  to
• 11:07
  challenge
• 11:07
  you
• 11:08
  one
• 11:08
  more
• 11:08
  time
• 11:08
  today.
• 11:08
  Research
• 11:09
  just
• 11:09
  one
• 11:09
  fact
• 11:10
  today
• 11:10
  for
• 11:11
  your
• 11:11
  next
• 11:11
  big
• 11:11
  decision
• 11:13
  and
• 11:13
  stop
• 11:14
  fearing
• 11:14
  those
• 11:14
  things.
• 11:15
  Because
• 11:15
  when
• 11:15
  you
• 11:16
  do
• 11:16
  this,
• 11:16
  fear
• 11:17
  loses
• 11:17
  its
• 11:17
  grip
• 11:18
  when
• 11:18
  you
• 11:18
  face
• 11:18
  it
• 11:19
  with
• 11:19
  God's
• 11:19
  wisdom.
• 11:20
  And
• 11:21
  I
• 11:21
  thought
• 11:21
  this
• 11:21
  was
• 11:21
  great.
• 11:22
  This
• 11:22
  is
• 11:22
  from
• 11:22
  Howard
• 11:23
  Dayton
• 11:23
  from
• 11:23
  Compass
• 11:24
  Ministries.
• 11:24
  It
• 11:25
  says
• 11:25
  when
• 11:25
  we
• 11:25
  leave
• 11:25
  God
• 11:26
  out
• 11:26
  of
• 11:26
  our
• 11:26
  financial
• 11:27
  decisions,
• 11:28
  fear
• 11:28
  takes
• 11:28
  over.
• 11:29
  When
• 11:30
  we
• 11:30
  invite
• 11:30
  him
• 11:30
  in,
• 11:31
  peace
• 11:31
  takes
• 11:32
  over.
• 11:33
  And
• 11:33
  while
• 11:33
  we're
• 11:33
  talking
• 11:34
  about
• 11:34
  that,
• 11:34
  if
• 11:34
  you
• 11:34
  know
• 11:34
  someone
• 11:35
  staring
• 11:35
  down
• 11:35
  a
• 11:36
  wedding
• 11:37
  or
• 11:37
  maybe
• 11:37
  they're
• 11:37
  thinking
• 11:37
  about
• 11:37
  having
• 11:38
  that
• 11:38
  baby
• 11:38
  or
• 11:38
  a
• 11:39
  career
• 11:39
  change,
• 11:40
  don't
• 11:40
  let
• 11:40
  them
• 11:40
  carry
• 11:41
  that
• 11:41
  burden
• 11:41
  alone.
• 11:42
  I'm
• 11:42
  going
• 11:42
  to
• 11:42
  encourage
• 11:42
  you
• 11:42
  to
• 11:42
  share
• 11:43
  this
• 11:43
  episode
• 11:43
  with
• 11:43
  them.
• 11:44
  This
• 11:44
  may
• 11:45
  very
• 11:45
  well
• 11:45
  be
• 11:45
  the
• 11:45
  encouragement
• 11:46
  they
• 11:46
  need
• 11:46
  today.
• 11:46
  You
• 11:47
  can
• 11:47
  point
• 11:47
  them
• 11:47
  right
• 11:47
  to
• 11:47
  our
• 11:48
  website.
• 11:48
  That's
• 11:49
  financiallyconfidentchristian.com
• 11:51
  and
• 11:51
  hey,
• 11:51
  while
• 11:52
  you're
• 11:52
  there,
• 11:52
  while
• 11:52
  they're
• 11:53
  there,
• 11:53
  you
• 11:53
  get
• 11:53
  a
• 11:54
  copy
• 11:54
  of
• 11:54
  my
• 11:54
  free
• 11:54
  book.
• 11:55
  It's
• 11:55
  called
• 11:55
  how
• 11:56
  to
• 11:56
  Become
• 11:56
  a
• 11:56
  Financially
• 11:57
  Confident
• 11:57
  Christian.
• 11:58
  It
• 11:58
  was
• 11:58
  really
• 11:58
  a
• 11:58
  passion
• 11:59
  project
• 11:59
  of
• 11:59
  mine
• 12:00
  and
• 12:00
  I
• 12:00
  just
• 12:00
  released
• 12:01
  that
• 12:01
  just
• 12:01
  a
• 12:01
  couple
• 12:01
  weeks
• 12:02
  ago.
• 12:02
  And
• 12:02
  I'm
• 12:02
  giving
• 12:03
  it
• 12:03
  to
• 12:03
  you
• 12:03
  absolutely
• 12:03
  free.
• 12:04
  All
• 12:04
  you've
• 12:04
  got
• 12:04
  to
• 12:04
  do
• 12:04
  is
• 12:04
  go
• 12:05
  to
• 12:05
  this
• 12:05
  website
• 12:06
  and
• 12:06
  it's
• 12:06
  FinanciallyConfidentChristian.com/becoming
• 12:10
  again.
• 12:10
  That's
• 12:11
  FinanciallyConfidentChristian.com/becoming.
• 12:15
  And
• 12:15
  get
• 12:15
  your
• 12:15
  free
• 12:15
  downloadable
• 12:16
  copy
• 12:16
  of
• 12:17
  my
• 12:17
  new
• 12:17
  book,
• 12:18
  how
• 12:18
  to
• 12:18
  Become
• 12:18
  a
• 12:19
  Financially
• 12:19
  Confident
• 12:19
  Christian.
• 12:20
  I'm
• 12:20
  going
• 12:20
  to
• 12:20
  tell
• 12:20
  you
• 12:20
  right
• 12:20
  now
• 12:21
  it
• 12:21
  will
• 12:21
  be
• 12:21
  profitable
• 12:22
  for
• 12:22
  you.
• 12:23
  On
• 12:23
  tomorrow's
• 12:23
  show,
• 12:24
  we're
• 12:24
  going
• 12:24
  to
• 12:24
  talk
• 12:24
  about
• 12:25
  why
• 12:25
  does
• 12:25
  financial
• 12:26
  progress
• 12:26
  never
• 12:26
  seem
• 12:27
  to
• 12:27
  stick?
• 12:27
  This
• 12:28
  is
• 12:28
  probably
• 12:28
  one
• 12:28
  of
• 12:28
  the
• 12:28
  chief
• 12:29
  complaints
• 12:29
  I
• 12:29
  hear
• 12:29
  when
• 12:29
  people
• 12:30
  send
• 12:30
  me
• 12:30
  emails
• 12:31
  and
• 12:31
  people
• 12:31
  ask
• 12:31
  about
• 12:32
  the
• 12:32
  show
• 12:32
  or
• 12:33
  Ralph,
• 12:33
  why
• 12:34
  do
• 12:34
  financial
• 12:34
  progress
• 12:35
  never
• 12:35
  seem
• 12:36
  to
• 12:36
  stick
• 12:36
  with
• 12:36
  me?
• 12:36
  Well,
• 12:37
  I've
• 12:37
  got
• 12:37
  the
• 12:37
  answer
• 12:37
  on
• 12:38
  tomorrow's
• 12:38
  show,
• 12:38
  so
• 12:38
  I'm
• 12:38
  going
• 12:38
  to
• 12:39
  encourage
• 12:39
  you
• 12:39
  to
• 12:39
  join
• 12:39
  us
• 12:39
  tomorrow.
• 12:40
  And
• 12:40
  remember
• 12:41
  this
• 12:41
  as
• 12:41
  I
• 12:41
  close
• 12:42
  go
• 12:42
  out
• 12:42
  there
• 12:43
  and
• 12:43
  be
• 12:43
  a
• 12:43
  financially
• 12:44
  confident
• 12:44
  Christian.
• 12:45
  You
• 12:45
  can
• 12:46
  do
• 12:46
  this.
• 12:47
  I
• 12:47
  believe
• 12:47
  in
• 12:48
  you.
• 12:48
  And
• 12:48
  more
• 12:48
  importantly
• 12:49
  than
• 12:49
  that
• 12:50
  God
• 12:50
  believes
• 12:51
  in.
• 12:51
  You
• 12:51
  stay
• 12:52
  financially
• 12:52
  savvy,
• 12:53
  God
• 12:53
  bless
• 12:53
  you,
• 12:54
  and
• 12:54
  you
• 12:54
  have
• 12:54
  a
• 12:54
  great
• 12:54
  day.