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Why Do Small Budget Wins Matter More Than You Think? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  when's
• 0:38
  the
• 0:38
  last
• 0:38
  time
• 0:38
  you
• 0:38
  actually
• 0:39
  gave
• 0:39
  yourself
• 0:39
  credit
• 0:40
  for
• 0:40
  progress
• 0:40
  with
• 0:41
  your
• 0:41
  money?
• 0:41
  I'm
• 0:42
  not
• 0:42
  talking
• 0:42
  about
• 0:42
  a
• 0:42
  perfect
• 0:43
  month,
• 0:43
  some
• 0:44
  giant
• 0:44
  breakthrough,
• 0:45
  just
• 0:45
  a
• 0:45
  small
• 0:46
  win.
• 0:46
  Some
• 0:47
  great
• 0:47
  examples,
• 0:47
  like
• 0:47
  you
• 0:48
  walked
• 0:48
  out
• 0:48
  of
• 0:48
  the
• 0:48
  grocery
• 0:49
  store
• 0:49
  and
• 0:49
  stayed
• 0:50
  under
• 0:50
  budget.
• 0:50
  Hey,
• 0:51
  even
• 0:51
  it
• 0:51
  was
• 0:51
  just
• 0:51
  10
• 0:51
  bucks.
• 0:52
  Or
• 0:52
  you
• 0:53
  open
• 0:53
  your
• 0:53
  bank
• 0:53
  app
• 0:53
  and
• 0:54
  didn't
• 0:54
  immediately
• 0:54
  close
• 0:54
  it
• 0:55
  in
• 0:55
  fear.
• 0:56
  Or
• 0:56
  you
• 0:56
  paused
• 0:57
  before
• 0:57
  you
• 0:57
  clicked
• 0:57
  Buy
• 0:58
  Now.
• 0:59
  And
• 0:59
  if
• 0:59
  your
• 0:59
  instinct
• 1:00
  is
• 1:00
  to
• 1:00
  say,
• 1:00
  yeah,
• 1:00
  but
• 1:01
  that's
• 1:01
  not
• 1:01
  that
• 1:01
  big,
• 1:02
  friend,
• 1:02
  that
• 1:02
  tells
• 1:03
  me
• 1:03
  everything.
• 1:04
  Because
• 1:04
  people
• 1:05
  trapped
• 1:05
  in
• 1:05
  financial
• 1:06
  shame
• 1:06
  don't
• 1:07
  understand
• 1:07
  how
• 1:07
  to
• 1:07
  celebrate
• 1:08
  progress.
• 1:08
  They
• 1:09
  just
• 1:09
  move
• 1:09
  that
• 1:09
  finish
• 1:10
  line
• 1:10
  and
• 1:10
  call
• 1:11
  themselves
• 1:11
  a
• 1:11
  failure.
• 1:12
  But
• 1:12
  today
• 1:12
  we're
• 1:13
  going
• 1:13
  to
• 1:13
  talk
• 1:13
  about
• 1:13
  why
• 1:14
  small
• 1:14
  wins
• 1:15
  that
• 1:15
  are
• 1:15
  more
• 1:15
  than
• 1:15
  you
• 1:15
  realize.
• 1:38
  Hey,
• 1:38
  friend.
• 1:39
  Ralph
• 1:39
  Estep
• 1:39
  Jr.
• 1:40
  Here.
• 1:40
  Welcome
• 1:40
  to
• 1:41
  Financially
• 1:41
  Confident
• 1:42
  Christian,
• 1:42
  where
• 1:42
  we
• 1:43
  learn
• 1:43
  how
• 1:43
  to
• 1:43
  walk
• 1:43
  through
• 1:43
  life
• 1:44
  and
• 1:44
  money
• 1:44
  with
• 1:44
  wisdom,
• 1:45
  with
• 1:46
  peace,
• 1:46
  and
• 1:46
  with
• 1:47
  a
• 1:47
  heart
• 1:47
  anchored
• 1:47
  in
• 1:47
  God's
• 1:48
  truth.
• 1:48
  The
• 1:49
  mission
• 1:49
  is
• 1:49
  simple.
• 1:50
  To
• 1:50
  help
• 1:50
  you
• 1:50
  break
• 1:50
  that
• 1:51
  cycle
• 1:51
  of
• 1:51
  financial
• 1:52
  shame,
• 1:52
  build
• 1:53
  those
• 1:53
  steady
• 1:53
  habits
• 1:54
  rooted
• 1:54
  in
• 1:54
  faith,
• 1:55
  and
• 1:55
  truly
• 1:55
  become
• 1:56
  the
• 1:56
  kind
• 1:56
  of
• 1:56
  believer
• 1:57
  who
• 1:57
  handles
• 1:57
  money
• 1:58
  with
• 1:58
  clarity,
• 1:59
  with
• 1:59
  confidence,
• 2:00
  and
• 2:00
  with
• 2:00
  spiritual
• 2:01
  purpose.
• 2:02
  Yesterday
• 2:02
  we
• 2:03
  talked
• 2:03
  about
• 2:03
  those
• 2:03
  budget
• 2:04
  traps,
• 2:04
  those
• 2:04
  quiet
• 2:05
  things
• 2:05
  that
• 2:05
  trip
• 2:05
  people
• 2:06
  up
• 2:06
  even
• 2:06
  when
• 2:07
  they're
• 2:07
  trying
• 2:07
  hard.
• 2:08
  But
• 2:08
  today
• 2:08
  we're
• 2:08
  going
• 2:09
  to
• 2:09
  shift
• 2:09
  the
• 2:09
  focus
• 2:10
  not
• 2:10
  to
• 2:10
  what's
• 2:10
  wrong,
• 2:11
  but
• 2:11
  to
• 2:11
  what's
• 2:12
  working.
• 2:12
  Because
• 2:13
  progress
• 2:13
  doesn't
• 2:13
  grow
• 2:14
  in
• 2:14
  constant
• 2:15
  criticism.
• 2:15
  It
• 2:16
  grows
• 2:16
  in
• 2:16
  encouragement.
• 2:18
  A
• 2:18
  listener
• 2:18
  shared
• 2:19
  this
• 2:19
  with
• 2:19
  me.
• 2:19
  Ralph,
• 2:20
  I'm
• 2:20
  doing
• 2:20
  better
• 2:21
  with
• 2:21
  my
• 2:21
  budget,
• 2:22
  but
• 2:22
  I
• 2:22
  still
• 2:23
  feel
• 2:23
  behind.
• 2:24
  It
• 2:24
  never
• 2:24
  feels
• 2:25
  like
• 2:25
  enough
• 2:25
  to
• 2:25
  celebrate.
• 2:26
  Shouldn't
• 2:26
  I
• 2:27
  wait
• 2:27
  until
• 2:27
  I'm
• 2:27
  really
• 2:27
  winning?
• 2:29
  And
• 2:29
  friend,
• 2:29
  let
• 2:29
  me
• 2:29
  tell
• 2:30
  you
• 2:30
  right
• 2:30
  now,
• 2:30
  that
• 2:30
  question
• 2:31
  is
• 2:31
  more
• 2:31
  common
• 2:31
  than
• 2:31
  you
• 2:31
  think.
• 2:32
  I
• 2:32
  hear
• 2:32
  it
• 2:32
  all
• 2:32
  the
• 2:32
  time.
• 2:33
  Because
• 2:33
  underneath
• 2:34
  that
• 2:34
  question
• 2:34
  is
• 2:35
  this
• 2:35
  question,
• 2:36
  Ralph,
• 2:37
  I
• 2:37
  don't
• 2:37
  want
• 2:37
  to
• 2:37
  celebrate
• 2:38
  too
• 2:38
  early.
• 2:39
  I
• 2:39
  don't
• 2:39
  want
• 2:39
  to
• 2:39
  give
• 2:39
  up
• 2:39
  my
• 2:40
  hopes
• 2:40
  up.
• 2:41
  I
• 2:41
  failed
• 2:41
  before,
• 2:42
  so
• 2:42
  I
• 2:43
  stay
• 2:43
  cautious.
• 2:44
  And
• 2:45
  trust
• 2:45
  me,
• 2:45
  I
• 2:45
  get
• 2:45
  that.
• 2:46
  But
• 2:46
  that's
• 2:47
  not
• 2:47
  laziness.
• 2:47
  That's
• 2:48
  a
• 2:48
  person
• 2:48
  who's
• 2:48
  been
• 2:48
  disappointed
• 2:49
  before
• 2:49
  and
• 2:50
  doesn't
• 2:50
  want
• 2:50
  to
• 2:50
  get
• 2:51
  hurt
• 2:51
  again.
• 2:51
  You
• 2:51
  put
• 2:51
  up
• 2:52
  these
• 2:52
  barriers,
• 2:53
  but
• 2:53
  here's
• 2:54
  the
• 2:54
  truth.
• 2:55
  Ignoring
• 2:55
  that
• 2:56
  process
• 2:56
  doesn't
• 2:57
  protect
• 2:57
  you.
• 2:57
  It
• 2:58
  actually
• 2:58
  drains
• 2:58
  you.
• 2:59
  And
• 2:59
  it
• 2:59
  slowly
• 2:59
  steals
• 3:00
  your
• 3:00
  motivation
• 3:01
  until
• 3:01
  that
• 3:01
  budget
• 3:02
  feels
• 3:02
  like
• 3:02
  punishment
• 3:03
  instead
• 3:03
  of
• 3:04
  wisdom.
• 3:05
  So
• 3:05
  let
• 3:05
  me
• 3:05
  say
• 3:06
  this
• 3:06
  plainly.
• 3:07
  What
• 3:07
  you
• 3:07
  celebrate,
• 3:08
  you
• 3:09
  repeat,
• 3:10
  and
• 3:10
  what
• 3:10
  you
• 3:10
  refuse
• 3:11
  to
• 3:11
  notice,
• 3:11
  you're
• 3:12
  going
• 3:12
  to
• 3:12
  eventually
• 3:12
  stop
• 3:12
  doing.
• 3:14
  Small
• 3:14
  wins
• 3:14
  aren't
• 3:15
  these
• 3:15
  cutesy
• 3:15
  things.
• 3:16
  They're
• 3:16
  proof
• 3:17
  that
• 3:17
  change
• 3:17
  is
• 3:17
  already
• 3:18
  happening.
• 3:18
  They're
• 3:19
  evidence
• 3:19
  that
• 3:19
  God
• 3:19
  is
• 3:20
  building
• 3:20
  something
• 3:21
  steady
• 3:21
  in
• 3:21
  you.
• 3:23
  And
• 3:23
  over
• 3:23
  the
• 3:23
  years,
• 3:24
  I've
• 3:24
  watched
• 3:24
  people
• 3:24
  transform
• 3:25
  their
• 3:25
  finances,
• 3:26
  not
• 3:26
  through
• 3:26
  these
• 3:27
  overnight
• 3:27
  miracles.
• 3:29
  But
• 3:29
  through
• 3:29
  steady,
• 3:30
  encouraged
• 3:30
  progress.
• 3:31
  And
• 3:31
  let
• 3:31
  me
• 3:32
  tell
• 3:32
  you
• 3:32
  something
• 3:32
  right
• 3:32
  now,
• 3:32
  the
• 3:33
  people
• 3:33
  who
• 3:33
  grow
• 3:33
  the
• 3:34
  most,
• 3:34
  they're
• 3:35
  the
• 3:35
  ones
• 3:35
  who
• 3:35
  learn
• 3:36
  to
• 3:36
  notice
• 3:36
  what
• 3:36
  God
• 3:37
  has
• 3:37
  already
• 3:37
  been
• 3:38
  doing.
• 3:39
  Even
• 3:39
  in
• 3:39
  those
• 3:39
  small
• 3:40
  steps.
• 3:41
  It
• 3:41
  reminds
• 3:42
  me
• 3:42
  of
• 3:42
  a
• 3:42
  gentleman
• 3:42
  I've
• 3:42
  worked
• 3:43
  with.
• 3:43
  He
• 3:43
  was
• 3:43
  frustrated
• 3:44
  because
• 3:44
  he
• 3:44
  hadn't
• 3:45
  paid
• 3:45
  off
• 3:45
  much
• 3:45
  of
• 3:46
  his
• 3:46
  debt
• 3:46
  yet.
• 3:47
  And
• 3:47
  he
• 3:47
  said
• 3:47
  to
• 3:47
  me,
• 3:47
  ralph,
• 3:48
  he
• 3:48
  says,
• 3:48
  I'm
• 3:48
  not
• 3:48
  getting
• 3:48
  anywhere.
• 3:50
  But
• 3:50
  we
• 3:50
  slowed
• 3:50
  it
• 3:50
  down
• 3:50
  and
• 3:51
  we
• 3:51
  looked
• 3:51
  a
• 3:51
  little
• 3:51
  closer,
• 3:51
  and
• 3:52
  this
• 3:52
  is
• 3:52
  what
• 3:52
  we
• 3:52
  found.
• 3:52
  We
• 3:53
  found
• 3:53
  he
• 3:53
  had
• 3:53
  stopped
• 3:54
  using
• 3:54
  credit
• 3:54
  cards.
• 3:55
  That's
• 3:55
  a
• 3:55
  win.
• 3:56
  He
• 3:56
  checked
• 3:56
  his
• 3:57
  spending
• 3:57
  every
• 3:57
  week.
• 3:58
  It's
• 3:58
  a
• 3:58
  win.
• 3:59
  And
• 3:59
  he
• 3:59
  stayed
• 3:59
  within
• 4:00
  his
• 4:00
  grocery
• 4:00
  budget
• 4:01
  three
• 4:01
  weeks
• 4:01
  in
• 4:02
  a
• 4:02
  row.
• 4:02
  Another
• 4:03
  big
• 4:03
  win.
• 4:04
  And
• 4:04
  when
• 4:05
  I
• 4:05
  pointed
• 4:05
  that
• 4:05
  out
• 4:05
  to
• 4:05
  him,
• 4:06
  he
• 4:06
  paused
• 4:06
  and
• 4:06
  he
• 4:07
  smiled.
• 4:07
  He
• 4:07
  said,
• 4:08
  I
• 4:08
  guess
• 4:08
  I
• 4:08
  am
• 4:08
  changing,
• 4:09
  Ralph.
• 4:10
  I
• 4:10
  see.
• 4:10
  Friend,
• 4:11
  that
• 4:11
  moment
• 4:11
  mattered
• 4:12
  because
• 4:12
  the
• 4:12
  goal
• 4:13
  isn't
• 4:13
  just
• 4:13
  less
• 4:14
  debt.
• 4:14
  The
• 4:14
  goal
• 4:15
  is
• 4:15
  a
• 4:15
  different
• 4:16
  person.
• 4:17
  So
• 4:17
  here's
• 4:18
  today's
• 4:18
  gentle
• 4:19
  question.
• 4:20
  What
• 4:20
  if
• 4:20
  your
• 4:21
  progress
• 4:21
  feels
• 4:21
  small
• 4:22
  because
• 4:22
  you've
• 4:22
  never
• 4:23
  been
• 4:23
  taught
• 4:23
  to
• 4:23
  recognize
• 4:24
  it
• 4:24
  in
• 4:24
  the
• 4:24
  first
• 4:24
  place?
• 4:25
  Let's
• 4:26
  talk
• 4:26
  about
• 4:26
  what's
• 4:26
  worth
• 4:27
  celebrating.
• 4:28
  First
• 4:29
  thing.
• 4:30
  Celebrate
• 4:30
  showing
• 4:30
  up.
• 4:32
  Sometimes
• 4:32
  the
• 4:32
  win
• 4:32
  isn't
• 4:33
  the
• 4:33
  result,
• 4:33
  it's
• 4:34
  the
• 4:34
  effort.
• 4:35
  It's
• 4:35
  that
• 4:35
  opening
• 4:36
  that
• 4:36
  bank
• 4:36
  app,
• 4:37
  like,
• 4:37
  I'm
• 4:37
  going
• 4:37
  to
• 4:37
  do
• 4:37
  this.
• 4:38
  It's
• 4:38
  looking
• 4:38
  at
• 4:39
  those
• 4:39
  numbers.
• 4:40
  It's
• 4:40
  having
• 4:40
  that
• 4:41
  conversation.
• 4:42
  It's
• 4:42
  checking
• 4:43
  your
• 4:43
  budget
• 4:43
  before
• 4:43
  you
• 4:44
  spend.
• 4:45
  Friend,
• 4:45
  if
• 4:45
  you
• 4:45
  showed
• 4:46
  up
• 4:46
  this
• 4:46
  week,
• 4:46
  that's
• 4:47
  a
• 4:47
  win.
• 4:48
  Another
• 4:48
  thing
• 4:49
  to
• 4:49
  celebrate.
• 4:49
  Celebrate
• 4:50
  one.
• 4:51
  No,
• 4:51
  you
• 4:52
  don't
• 4:52
  have
• 4:52
  to
• 4:52
  overhaul
• 4:53
  your
• 4:53
  life
• 4:53
  to
• 4:53
  make
• 4:53
  progress.
• 4:54
  Just
• 4:55
  think
• 4:55
  about
• 4:55
  one
• 4:55
  paused
• 4:56
  purchase
• 4:56
  or
• 4:57
  one
• 4:57
  avoided
• 4:57
  impulse,
• 4:58
  or
• 4:58
  just
• 4:59
  one
• 4:59
  moment
• 4:59
  of
• 5:00
  awareness.
• 5:01
  That's
• 5:01
  growth.
• 5:02
  If
• 5:02
  you
• 5:03
  said,
• 5:03
  not
• 5:03
  today.
• 5:04
  One
• 5:04
  time,
• 5:04
  that
• 5:05
  counts.
• 5:06
  And
• 5:06
  celebrate
• 5:07
  consistency,
• 5:08
  not
• 5:08
  perfection.
• 5:08
  You're
• 5:09
  never
• 5:09
  going
• 5:09
  to
• 5:09
  get
• 5:09
  perfection.
• 5:10
  God
• 5:10
  doesn't
• 5:10
  ask
• 5:11
  us
• 5:11
  for
• 5:11
  flawless
• 5:12
  performance.
• 5:12
  He
• 5:13
  honors
• 5:13
  faithfulness.
• 5:15
  Let's
• 5:15
  say
• 5:15
  you
• 5:15
  tracked
• 5:16
  it
• 5:16
  imperfectly,
• 5:17
  but
• 5:17
  you
• 5:17
  tracked
• 5:17
  it.
• 5:18
  You
• 5:19
  messed
• 5:19
  up
• 5:19
  Tuesday
• 5:20
  but
• 5:20
  came
• 5:20
  back
• 5:20
  on
• 5:21
  Wednesday.
• 5:22
  Guess
• 5:22
  what?
• 5:22
  That's
• 5:23
  maturity.
• 5:23
  That's
• 5:24
  a
• 5:24
  habit
• 5:24
  forming.
• 5:25
  And
• 5:26
  so
• 5:26
  celebrate
• 5:27
  that
• 5:27
  direction,
• 5:27
  not
• 5:28
  the
• 5:28
  finish
• 5:28
  lines.
• 5:29
  Budgets
• 5:29
  aren't
• 5:29
  about
• 5:30
  arrivals.
• 5:30
  People
• 5:31
  get
• 5:31
  stuck
• 5:31
  on
• 5:31
  that.
• 5:32
  They're
• 5:32
  about
• 5:32
  moving
• 5:33
  in
• 5:33
  a
• 5:33
  direction.
• 5:34
  And
• 5:34
  if
• 5:34
  you're
• 5:35
  moving
• 5:35
  towards
• 5:35
  clarity,
• 5:36
  if
• 5:36
  you're
• 5:36
  moving
• 5:37
  towards
• 5:37
  peace,
• 5:37
  if
• 5:38
  you're
• 5:38
  moving
• 5:38
  towards
• 5:39
  wisdom,
• 5:39
  guess
• 5:39
  what?
• 5:40
  You're
• 5:40
  already
• 5:40
  winning,
• 5:41
  even
• 5:42
  if
• 5:42
  it's
• 5:42
  slow.
• 5:43
  Here
• 5:43
  are
• 5:44
  five
• 5:44
  wins
• 5:44
  that
• 5:44
  count
• 5:45
  every
• 5:45
  single
• 5:46
  time.
• 5:46
  I
• 5:47
  checked
• 5:47
  my
• 5:47
  balances,
• 5:48
  that's
• 5:48
  a
• 5:48
  win.
• 5:49
  I
• 5:49
  track
• 5:50
  something.
• 5:51
  That's
• 5:51
  a
• 5:51
  win.
• 5:52
  I
• 5:52
  planned
• 5:53
  one
• 5:53
  purchase,
• 5:54
  that's
• 5:54
  a
• 5:54
  win.
• 5:55
  I
• 5:55
  paused
• 5:56
  before
• 5:56
  spending.
• 5:57
  That's
• 5:58
  a
• 5:58
  win.
• 5:58
  And
• 5:59
  I
• 5:59
  stayed
• 5:59
  under.
• 5:59
  Hey,
• 6:00
  maybe
• 6:00
  it
• 6:00
  was
• 6:00
  just
• 6:00
  in
• 6:00
  One
• 6:01
  category.
• 6:02
  That's
• 6:02
  a
• 6:02
  win.
• 6:03
  If
• 6:03
  any
• 6:04
  of
• 6:04
  those
• 6:04
  happen
• 6:04
  this
• 6:04
  week,
• 6:05
  friend,
• 6:05
  you
• 6:06
  are
• 6:06
  building
• 6:06
  and
• 6:07
  you
• 6:07
  are
• 6:07
  making
• 6:07
  progress.
• 6:08
  Let's
• 6:09
  look
• 6:09
  at
• 6:09
  Philippians,
• 6:10
  chapter
• 6:10
  4,
• 6:10
  verse
• 6:11
  4.
• 6:11
  It
• 6:11
  says
• 6:11
  this.
• 6:12
  Rejoice
• 6:12
  in
• 6:12
  the
• 6:13
  Lord
• 6:13
  always.
• 6:13
  I
• 6:14
  will
• 6:14
  say
• 6:14
  it
• 6:14
  again.
• 6:15
  Rejoice
• 6:17
  not.
• 6:17
  Rejoice
• 6:18
  when
• 6:18
  everything
• 6:18
  is
• 6:18
  finished.
• 6:19
  Rejoice
• 6:20
  while
• 6:20
  God
• 6:20
  is
• 6:20
  still
• 6:21
  working,
• 6:21
  even
• 6:21
  in
• 6:22
  the
• 6:22
  progress.
• 6:23
  Lord,
• 6:24
  thank
• 6:24
  you
• 6:24
  for
• 6:24
  every
• 6:25
  step
• 6:25
  forward,
• 6:26
  even
• 6:26
  the
• 6:26
  ones
• 6:26
  we
• 6:26
  overlook.
• 6:28
  Help
• 6:28
  us
• 6:28
  notice
• 6:29
  progress
• 6:29
  without
• 6:29
  pride
• 6:30
  and
• 6:30
  celebrate
• 6:31
  growth
• 6:31
  without
• 6:31
  fear.
• 6:33
  Teach
• 6:33
  us
• 6:33
  to
• 6:33
  rejoice
• 6:34
  in
• 6:34
  what
• 6:34
  you're
• 6:34
  building
• 6:35
  one
• 6:35
  faithful
• 6:35
  step
• 6:35
  at
• 6:36
  a
• 6:36
  time.
• 6:36
  And
• 6:36
  we
• 6:36
  ask
• 6:36
  this
• 6:37
  in
• 6:37
  Jesus
• 6:38
  name,
• 6:39
  Amen.
• 6:39
  Here's
• 6:40
  today's
• 6:40
  step.
• 6:41
  I
• 6:41
  want
• 6:41
  you
• 6:41
  to
• 6:41
  write
• 6:42
  down
• 6:42
  one
• 6:42
  budget
• 6:42
  win
• 6:43
  from
• 6:43
  this
• 6:43
  week.
• 6:43
  Just
• 6:43
  one.
• 6:44
  No
• 6:44
  comparison,
• 6:45
  no
• 6:45
  minimizing.
• 6:46
  Just
• 6:46
  name
• 6:46
  it
• 6:47
  and
• 6:47
  then
• 6:47
  thank
• 6:48
  God
• 6:48
  for
• 6:48
  it.
• 6:49
  And
• 6:49
  if
• 6:49
  you
• 6:49
  want
• 6:49
  to
• 6:49
  go
• 6:49
  one
• 6:50
  step
• 6:50
  further,
• 6:50
  text
• 6:51
  it
• 6:51
  to
• 6:51
  somebody
• 6:51
  you
• 6:52
  trust.
• 6:52
  Because
• 6:53
  celebration
• 6:53
  becomes
• 6:54
  stronger
• 6:54
  when
• 6:54
  it's
• 6:55
  spoken
• 6:55
  out
• 6:55
  loud.
• 6:56
  And
• 6:56
  friend,
• 6:56
  if
• 6:57
  you
• 6:57
  struggle
• 6:57
  to
• 6:57
  see
• 6:57
  progress
• 6:58
  on
• 6:58
  your
• 6:58
  own,
• 6:59
  you're
• 6:59
  not
• 6:59
  alone
• 6:59
  feeling
• 7:00
  that
• 7:00
  way
• 7:01
  inside
• 7:01
  the
• 7:01
  financially
• 7:02
  competent
• 7:02
  Christian
• 7:02
  community.
• 7:03
  People
• 7:03
  often
• 7:03
  say,
• 7:04
  I
• 7:04
  didn't
• 7:04
  realize
• 7:05
  how
• 7:05
  far
• 7:05
  I'd
• 7:06
  come
• 7:06
  until
• 7:06
  someone
• 7:06
  else
• 7:07
  helped
• 7:07
  me
• 7:08
  see
• 7:08
  it.
• 7:08
  That's
• 7:09
  a
• 7:09
  beautiful
• 7:09
  thing.
• 7:10
  It's
• 7:10
  a
• 7:10
  safe
• 7:11
  place.
• 7:11
  It's
• 7:12
  a
• 7:12
  patient
• 7:12
  place.
• 7:13
  And
• 7:13
  it's
• 7:13
  a
• 7:13
  place
• 7:14
  where
• 7:14
  small
• 7:14
  wins
• 7:14
  are
• 7:14
  honored
• 7:15
  every
• 7:15
  single
• 7:16
  day.
• 7:16
  I
• 7:16
  want
• 7:16
  to
• 7:16
  encourage
• 7:17
  you.
• 7:17
  Go
• 7:17
  to
• 7:17
  financiallyconfidentchristian.com/join.
• 7:21
  That's
• 7:21
  financiallyconfidentchristian.com/Join.
• 7:24
  You're
• 7:25
  welcome
• 7:25
  whenever
• 7:25
  you're
• 7:25
  ready.
• 7:26
  And
• 7:26
  let
• 7:26
  me
• 7:26
  remind
• 7:27
  you
• 7:27
  today,
• 7:28
  God
• 7:28
  sees
• 7:29
  your
• 7:29
  effort,
• 7:29
  that
• 7:30
  faithfulness
• 7:31
  matters.
• 7:31
  Those
• 7:31
  small
• 7:31
  steps
• 7:32
  count
• 7:32
  every
• 7:33
  step.
• 7:33
  You're
• 7:34
  not
• 7:34
  behind,
• 7:34
  you're
• 7:35
  building.
• 7:35
  Go
• 7:35
  out
• 7:36
  there
• 7:36
  today
• 7:36
  and
• 7:36
  be
• 7:37
  a
• 7:37
  financially
• 7:37
  confident
• 7:38
  Christian.
• 7:38
  You
• 7:39
  can
• 7:39
  do
• 7:39
  this.
• 7:39
  I
• 7:40
  have
• 7:40
  confidence
• 7:40
  in
• 7:41
  you.
• 7:41
  Stay
• 7:41
  financially
• 7:42
  savvy.
• 7:42
  God
• 7:43
  bless
• 7:43
  you,
• 7:43
  and
• 7:43
  I'll
• 7:44
  see
• 7:44
  you
• 7:44
  on
• 7:44
  tomorrow's
• 7:44
  show.