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Shaken by This Year? How Do You Build Financial Resilience? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  did
• 0:38
  this
• 0:38
  year
• 0:38
  shake
• 0:38
  you
• 0:38
  a
• 0:38
  little?
• 0:39
  Maybe
• 0:40
  you
• 0:40
  got
• 0:40
  that
• 0:40
  surprise
• 0:41
  Bill,
• 0:41
  maybe
• 0:41
  for
• 0:42
  you
• 0:42
  was
• 0:42
  a
• 0:42
  medical
• 0:42
  moment
• 0:43
  or
• 0:43
  a
• 0:44
  family
• 0:44
  need
• 0:44
  you
• 0:44
  didn't
• 0:45
  see
• 0:45
  coming.
• 0:46
  Or
• 0:46
  maybe
• 0:47
  it's
• 0:47
  just
• 0:47
  that
• 0:47
  sinking
• 0:47
  feeling
• 0:48
  like
• 0:48
  life
• 0:48
  shifted
• 0:49
  under
• 0:49
  your
• 0:49
  feet.
• 0:50
  You're
• 0:50
  not
• 0:51
  alone
• 0:51
  feeling
• 0:51
  like
• 0:51
  that.
• 0:52
  And
• 0:52
  here's
• 0:52
  the
• 0:52
  thing
• 0:52
  I
• 0:53
  want
• 0:53
  you
• 0:53
  to
• 0:53
  hear
• 0:53
  right
• 0:53
  now.
• 0:53
  You're
• 0:54
  not
• 0:54
  weak
• 0:54
  for
• 0:55
  feeling
• 0:55
  blindsided.
• 0:56
  But
• 0:57
  here's
• 0:57
  the
• 0:57
  truth.
• 0:58
  Most
• 0:58
  people
• 0:59
  never
• 0:59
  hear
• 0:59
  this.
• 1:00
  Resilience
• 1:01
  isn't
• 1:01
  luck.
• 1:02
  It's
• 1:02
  faith
• 1:02
  and,
• 1:03
  and
• 1:03
  preparation
• 1:04
  working
• 1:04
  together.
• 1:05
  You're
• 1:05
  never
• 1:06
  going
• 1:06
  to
• 1:06
  stop
• 1:06
  the
• 1:06
  storms,
• 1:07
  but
• 1:07
  you
• 1:07
  can
• 1:07
  build
• 1:08
  a
• 1:08
  life
• 1:08
  that
• 1:08
  doesn't
• 1:08
  collapse
• 1:09
  when
• 1:09
  they
• 1:09
  hit.
• 1:09
  And
• 1:10
  today
• 1:10
  I'm
• 1:10
  going
• 1:10
  to
• 1:10
  show
• 1:10
  you
• 1:11
  exactly
• 1:11
  how
• 1:12
  to
• 1:12
  do
• 1:12
  that.
• 1:34
  Hello
• 1:34
  and
• 1:34
  welcome
• 1:35
  to
• 1:35
  the
• 1:35
  show.
• 1:35
  I'm
• 1:35
  Ralph.
• 1:36
  Thank
• 1:36
  you
• 1:36
  so
• 1:36
  much
• 1:36
  for
• 1:36
  joining
• 1:37
  me.
• 1:37
  This
• 1:38
  is
• 1:38
  our
• 1:38
  daily
• 1:38
  excursion
• 1:39
  to
• 1:39
  help
• 1:39
  you
• 1:40
  break
• 1:40
  that
• 1:40
  cycle
• 1:40
  of
• 1:41
  financial
• 1:41
  shame
• 1:42
  and
• 1:42
  do
• 1:42
  it
• 1:42
  with
• 1:43
  confidence.
• 1:43
  And
• 1:43
  a
• 1:44
  friend
• 1:44
  asked
• 1:44
  me
• 1:44
  recently,
• 1:45
  said,
• 1:45
  ralph,
• 1:45
  this
• 1:45
  year
• 1:46
  just
• 1:46
  blindsided
• 1:47
  me.
• 1:47
  I
• 1:47
  got
• 1:48
  unexpected
• 1:48
  bills,
• 1:49
  unexpected
• 1:50
  responsibilities.
• 1:50
  Ralph,
• 1:51
  I
• 1:51
  felt
• 1:51
  like
• 1:51
  everything
• 1:52
  underneath
• 1:52
  me
• 1:52
  was
• 1:53
  just
• 1:53
  shaken.
• 1:54
  How
• 1:54
  do
• 1:54
  I
• 1:55
  actually
• 1:55
  become
• 1:55
  stronger
• 1:56
  next
• 1:56
  year?
• 1:58
  I
• 1:58
  said,
• 1:58
  listen,
• 1:58
  we
• 1:59
  can
• 1:59
  get
• 1:59
  through
• 1:59
  this.
• 2:01
  And
• 2:01
  if
• 2:01
  that's
• 2:01
  you,
• 2:02
  if
• 2:02
  you
• 2:03
  felt
• 2:03
  tossed
• 2:03
  around,
• 2:04
  you're
• 2:05
  in
• 2:05
  the
• 2:05
  right
• 2:05
  place.
• 2:05
  Because
• 2:06
  guess
• 2:06
  what?
• 2:06
  We're
• 2:06
  like
• 2:06
  a
• 2:06
  washing
• 2:07
  machine.
• 2:07
  We're
• 2:07
  all
• 2:07
  tossed
• 2:08
  around
• 2:08
  here.
• 2:09
  And
• 2:10
  every
• 2:10
  year
• 2:10
  the
• 2:10
  headlines
• 2:11
  hit
• 2:11
  us
• 2:11
  with
• 2:11
  things
• 2:11
  like
• 2:12
  job
• 2:12
  losses,
• 2:13
  emergencies,
• 2:14
  those
• 2:15
  unexpected
• 2:16
  repairs,
• 2:16
  economic
• 2:17
  shifts.
• 2:18
  It
• 2:19
  drives
• 2:19
  you
• 2:19
  crazy.
• 2:19
  Your
• 2:19
  head
• 2:19
  just
• 2:20
  spins.
• 2:20
  But
• 2:20
  look
• 2:20
  at
• 2:20
  what
• 2:21
  Proverbs
• 2:21
  24:27
• 2:23
  reminds
• 2:23
  us.
• 2:24
  Prepare
• 2:25
  your
• 2:25
  work
• 2:25
  outside,
• 2:27
  then
• 2:27
  build
• 2:27
  your
• 2:27
  house.
• 2:29
  God
• 2:29
  isn't
• 2:29
  asking
• 2:30
  you
• 2:30
  to
• 2:30
  worry.
• 2:31
  He's
• 2:31
  inviting
• 2:31
  you
• 2:32
  to
• 2:32
  prepare.
• 2:34
  And
• 2:34
  I've
• 2:34
  walked
• 2:35
  with
• 2:35
  families
• 2:35
  through
• 2:35
  these
• 2:36
  difficult
• 2:36
  times,
• 2:36
  like
• 2:37
  layoffs,
• 2:37
  people
• 2:38
  losing
• 2:38
  their
• 2:38
  jobs,
• 2:39
  broken
• 2:39
  water
• 2:39
  heaters
• 2:40
  that
• 2:40
  talk
• 2:40
  about
• 2:40
  stuff
• 2:40
  that
• 2:41
  really
• 2:41
  happens,
• 2:41
  right?
• 2:42
  Medical
• 2:42
  scares.
• 2:43
  I've
• 2:43
  seen
• 2:43
  some
• 2:43
  medical
• 2:43
  scares
• 2:44
  which
• 2:44
  have
• 2:44
  rocked
• 2:45
  people.
• 2:46
  And
• 2:46
  I've
• 2:46
  also
• 2:46
  helped
• 2:47
  people
• 2:47
  through
• 2:47
  complete
• 2:48
  life
• 2:48
  pivots.
• 2:49
  And
• 2:49
  here's
• 2:50
  what
• 2:50
  I
• 2:50
  learned.
• 2:51
  You're
• 2:52
  going
• 2:52
  to
• 2:52
  panic
• 2:52
  at
• 2:52
  first,
• 2:53
  I
• 2:53
  get
• 2:53
  that.
• 2:54
  But
• 2:54
  panic
• 2:55
  fades
• 2:55
  when
• 2:55
  a
• 2:55
  plan
• 2:56
  already
• 2:56
  exists.
• 2:58
  And
• 2:58
  that
• 2:58
  resilience,
• 2:59
  man,
• 2:59
  that'll
• 3:00
  bloom
• 3:00
  when
• 3:00
  we
• 3:00
  combine
• 3:01
  God's
• 3:01
  promises,
• 3:02
  practical
• 3:02
  preparation
• 3:03
  and
• 3:04
  faith.
• 3:04
  Because
• 3:05
  faith
• 3:05
  studies
• 3:06
  the
• 3:06
  heart.
• 3:08
  And
• 3:08
  a
• 3:08
  friend
• 3:08
  of
• 3:08
  mine
• 3:09
  had
• 3:09
  his
• 3:09
  hours
• 3:09
  cut
• 3:10
  this
• 3:10
  year
• 3:10
  at
• 3:10
  work.
• 3:11
  Now,
• 3:12
  that
• 3:12
  could
• 3:12
  have
• 3:12
  been
• 3:12
  devastating.
• 3:13
  It
• 3:13
  was
• 3:13
  devastating
• 3:13
  for
• 3:14
  most
• 3:14
  people,
• 3:14
  and
• 3:14
  it
• 3:14
  could
• 3:14
  have
• 3:15
  been
• 3:15
  for
• 3:15
  him,
• 3:15
  too.
• 3:17
  But
• 3:17
  it
• 3:17
  wasn't
• 3:17
  for
• 3:17
  him.
• 3:18
  You
• 3:18
  know
• 3:18
  why?
• 3:19
  He
• 3:19
  was
• 3:19
  prepared.
• 3:21
  He
• 3:21
  listened
• 3:21
  to
• 3:21
  me.
• 3:22
  He
• 3:22
  listened
• 3:22
  to
• 3:22
  other
• 3:22
  people.
• 3:23
  He
• 3:23
  had
• 3:23
  a
• 3:23
  three
• 3:23
  month
• 3:24
  cushion
• 3:24
  of
• 3:25
  income.
• 3:25
  So
• 3:26
  when
• 3:26
  his
• 3:26
  job
• 3:26
  got
• 3:26
  cut,
• 3:27
  when
• 3:27
  his
• 3:27
  hours
• 3:27
  got
• 3:28
  cut
• 3:28
  back
• 3:28
  a
• 3:28
  bit,
• 3:29
  he
• 3:29
  was
• 3:30
  able
• 3:30
  to
• 3:30
  rely
• 3:30
  on
• 3:30
  that
• 3:30
  cushion.
• 3:31
  He
• 3:31
  had
• 3:32
  a
• 3:32
  basic
• 3:32
  budget.
• 3:32
  He
• 3:33
  understood
• 3:33
  his
• 3:34
  needs
• 3:34
  versus
• 3:35
  wants.
• 3:36
  But
• 3:36
  bigger
• 3:36
  than
• 3:36
  all
• 3:37
  of
• 3:37
  those
• 3:37
  things,
• 3:38
  he
• 3:38
  had
• 3:38
  a
• 3:38
  flexible
• 3:39
  mindset.
• 3:41
  So
• 3:42
  instead
• 3:42
  of
• 3:42
  spiraling,
• 3:42
  hey,
• 3:43
  when
• 3:43
  you
• 3:43
  get
• 3:43
  the
• 3:43
  news,
• 3:43
  your
• 3:44
  hours
• 3:44
  are
• 3:44
  being
• 3:44
  cut.
• 3:45
  Or
• 3:45
  maybe
• 3:45
  you
• 3:45
  got
• 3:45
  the
• 3:45
  news
• 3:46
  you're
• 3:46
  losing
• 3:46
  your
• 3:46
  job.
• 3:47
  It's
• 3:47
  easy
• 3:47
  to
• 3:47
  get
• 3:48
  upset.
• 3:48
  It's
• 3:48
  able
• 3:49
  to
• 3:49
  get
• 3:49
  into
• 3:49
  fear
• 3:50
  and
• 3:50
  anxiety.
• 3:51
  But
• 3:51
  he
• 3:51
  stayed
• 3:52
  calm
• 3:53
  and
• 3:53
  he
• 3:54
  didn't
• 3:54
  go
• 3:54
  into
• 3:54
  debt.
• 3:54
  He
• 3:55
  didn't
• 3:55
  panic.
• 3:55
  He
• 3:56
  just
• 3:56
  had
• 3:56
  patience
• 3:56
  and
• 3:57
  trust.
• 3:59
  Now,
• 3:59
  I'd
• 4:00
  love
• 4:00
  to
• 4:00
  tell
• 4:00
  you
• 4:00
  that
• 4:00
  preparation
• 4:01
  removed
• 4:01
  the
• 4:01
  storm.
• 4:02
  Well,
• 4:02
  guess
• 4:02
  what?
• 4:02
  It
• 4:02
  didn't
• 4:03
  remove
• 4:03
  the
• 4:03
  storm,
• 4:04
  but
• 4:04
  it
• 4:05
  gave
• 4:05
  him
• 4:05
  shelter
• 4:06
  when
• 4:06
  it
• 4:06
  had
• 4:07
  passed.
• 4:08
  So
• 4:08
  the
• 4:09
  real
• 4:09
  question
• 4:09
  is
• 4:09
  this.
• 4:10
  How
• 4:10
  do
• 4:10
  you
• 4:10
  build
• 4:10
  that
• 4:11
  same
• 4:11
  kind
• 4:11
  of
• 4:12
  financial
• 4:12
  resilience
• 4:13
  I'm
• 4:13
  talking
• 4:13
  about
• 4:13
  spiritually,
• 4:14
  emotionally,
• 4:15
  and
• 4:15
  yes,
• 4:16
  financially
• 4:17
  before
• 4:17
  next
• 4:18
  year
• 4:18
  even
• 4:18
  gets
• 4:19
  here.
• 4:19
  Let's
• 4:19
  break
• 4:19
  it
• 4:20
  down.
• 4:20
  I'm
• 4:20
  going
• 4:20
  to
• 4:20
  give
• 4:20
  you
• 4:20
  today
• 4:21
  four
• 4:21
  Resilience
• 4:22
  builders.
• 4:23
  Number
• 4:24
  one
• 4:24
  thing,
• 4:24
  you've
• 4:25
  got
• 4:25
  to
• 4:25
  name
• 4:25
  your
• 4:26
  unexpecteds
• 4:27
  before
• 4:27
  they
• 4:27
  happen.
• 4:28
  Because
• 4:28
  this
• 4:28
  is
• 4:28
  where
• 4:29
  resilience
• 4:29
  truly
• 4:30
  begins.
• 4:30
  Trouble
• 4:31
  doesn't
• 4:31
  surprise
• 4:31
  God.
• 4:32
  He's
• 4:32
  not
• 4:33
  surprised
• 4:33
  by
• 4:33
  trouble.
• 4:34
  He
• 4:34
  says
• 4:34
  it
• 4:34
  all
• 4:34
  through
• 4:35
  his
• 4:35
  word.
• 4:35
  Trouble
• 4:36
  will
• 4:36
  come,
• 4:37
  but
• 4:37
  it
• 4:37
  surprises
• 4:38
  us.
• 4:39
  So
• 4:40
  if
• 4:40
  something's
• 4:40
  going
• 4:40
  to
• 4:41
  surprise
• 4:41
  us,
• 4:41
  what's
• 4:41
  the
• 4:41
  easiest
• 4:42
  way
• 4:42
  to
• 4:42
  battle
• 4:42
  it?
• 4:43
  List
• 4:43
  your
• 4:43
  vulnerability
• 4:44
  zones.
• 4:45
  What
• 4:45
  am
• 4:46
  I
• 4:46
  talking
• 4:46
  about
• 4:46
  here?
• 4:47
  Is
• 4:47
  it
• 4:47
  your
• 4:47
  job?
• 4:48
  Is
• 4:48
  that
• 4:48
  a
• 4:48
  vulnerability
• 4:49
  for
• 4:49
  you?
• 4:49
  Do
• 4:49
  you
• 4:49
  see
• 4:50
  the
• 4:50
  writing
• 4:50
  on
• 4:50
  the
• 4:51
  wall?
• 4:51
  Things
• 4:51
  are
• 4:51
  not
• 4:51
  great
• 4:52
  at
• 4:52
  your
• 4:52
  company.
• 4:53
  Understand
• 4:53
  those
• 4:53
  things.
• 4:54
  Hey,
• 4:54
  maybe
• 4:54
  it's
• 4:54
  your
• 4:55
  health,
• 4:56
  maybe
• 4:56
  your
• 4:56
  houseman
• 4:57
  knocking
• 4:57
  at
• 4:57
  the
• 4:57
  door
• 4:57
  and
• 4:58
  saying,
• 4:58
  hey,
• 4:58
  Ralph,
• 4:58
  it's
• 4:58
  about
• 4:59
  time
• 4:59
  you
• 4:59
  did
• 4:59
  something
• 4:59
  about
• 5:00
  this.
• 5:01
  Understand
• 5:02
  that
• 5:02
  maybe
• 5:02
  it's
• 5:03
  your
• 5:03
  home,
• 5:03
  maybe
• 5:03
  it's
• 5:04
  that
• 5:04
  car.
• 5:04
  That
• 5:04
  car
• 5:05
  is
• 5:05
  on
• 5:05
  its
• 5:05
  last
• 5:05
  leg,
• 5:06
  Ralph.
• 5:06
  I
• 5:06
  know
• 5:07
  this
• 5:07
  car
• 5:07
  isn't
• 5:07
  going
• 5:07
  to
• 5:08
  make
• 5:08
  it
• 5:08
  through
• 5:08
  next
• 5:08
  year.
• 5:08
  Well,
• 5:09
  guess
• 5:09
  what?
• 5:09
  Now's
• 5:10
  the
• 5:10
  time
• 5:10
  to
• 5:10
  plan
• 5:10
  for
• 5:11
  that.
• 5:12
  Hey,
• 5:12
  maybe
• 5:12
  you're
• 5:12
  like
• 5:13
  my
• 5:13
  wife.
• 5:13
  You're
• 5:13
  caring
• 5:14
  for
• 5:14
  family
• 5:14
  members.
• 5:16
  Or
• 5:17
  maybe
• 5:17
  for
• 5:17
  you
• 5:17
  it's
• 5:17
  just
• 5:18
  those
• 5:18
  sudden
• 5:18
  expenses,
• 5:19
  you
• 5:19
  know,
• 5:19
  they
• 5:20
  leave
• 5:20
  you
• 5:20
  in
• 5:20
  a
• 5:20
  vulnerable
• 5:21
  state.
• 5:21
  You
• 5:21
  worry
• 5:22
  about
• 5:22
  those
• 5:22
  things.
• 5:23
  So
• 5:24
  once
• 5:24
  you
• 5:24
  understand
• 5:25
  those
• 5:25
  vulnerability
• 5:26
  zones,
• 5:26
  then
• 5:27
  you
• 5:27
  pre
• 5:27
  decide
• 5:28
  your
• 5:28
  first
• 5:29
  response.
• 5:29
  See,
• 5:30
  this
• 5:30
  is
• 5:30
  where
• 5:30
  you
• 5:30
  set
• 5:31
  the
• 5:31
  tone.
• 5:31
  Like
• 5:31
  my
• 5:32
  friend
• 5:32
  who
• 5:32
  got
• 5:32
  his
• 5:32
  job
• 5:33
  hours
• 5:33
  caught,
• 5:33
  he
• 5:34
  understood
• 5:34
  what
• 5:34
  his
• 5:35
  response
• 5:35
  would.
• 5:35
  He
• 5:36
  paused.
• 5:36
  First,
• 5:38
  he
• 5:38
  took
• 5:38
  it
• 5:38
  all
• 5:38
  in.
• 5:38
  He
• 5:39
  understood
• 5:39
  the
• 5:39
  situation.
• 5:40
  Second
• 5:40
  thing
• 5:40
  he
• 5:41
  did,
• 5:41
  he
• 5:41
  prayed.
• 5:42
  Because
• 5:43
  you
• 5:43
  got
• 5:43
  to
• 5:43
  go
• 5:44
  to
• 5:44
  the
• 5:44
  Lord
• 5:44
  with
• 5:44
  these
• 5:44
  things.
• 5:45
  And
• 5:45
  the
• 5:45
  third
• 5:45
  thing
• 5:46
  he
• 5:46
  did
• 5:46
  was
• 5:46
  he
• 5:46
  assessed
• 5:47
  where
• 5:47
  he
• 5:48
  was.
• 5:48
  He
• 5:48
  understood
• 5:49
  the
• 5:49
  vulnerabilities.
• 5:49
  He
• 5:50
  understood
• 5:50
  what
• 5:50
  he
• 5:50
  had
• 5:50
  set
• 5:51
  into
• 5:51
  place.
• 5:51
  See,
• 5:51
  when
• 5:51
  you
• 5:52
  name
• 5:52
  the
• 5:52
  storm,
• 5:54
  when
• 5:54
  you
• 5:55
  truly
• 5:55
  name
• 5:55
  the
• 5:55
  storm,
• 5:56
  guess
• 5:56
  what
• 5:56
  happens?
• 5:57
  You
• 5:57
  steal
• 5:58
  its
• 5:58
  power.
• 5:59
  Second
• 6:00
  thing,
• 6:00
  this
• 6:01
  is
• 6:01
  a
• 6:01
  great
• 6:01
  time
• 6:02
  to
• 6:02
  build
• 6:02
  or
• 6:02
  rebuild
• 6:03
  your
• 6:03
  emergency
• 6:03
  fund.
• 6:04
  I
• 6:04
  know
• 6:04
  you're
• 6:04
  saying,
• 6:04
  Ralph,
• 6:04
  you're
• 6:05
  always
• 6:05
  talking
• 6:05
  about
• 6:05
  this
• 6:06
  emergency
• 6:06
  fund.
• 6:06
  Yes,
• 6:08
  because
• 6:08
  it
• 6:08
  will
• 6:08
  bail
• 6:08
  you
• 6:09
  out
• 6:09
  in
• 6:09
  situations.
• 6:09
  And
• 6:09
  listen,
• 6:10
  it
• 6:10
  doesn't
• 6:10
  have
• 6:10
  to
• 6:10
  be
• 6:10
  huge.
• 6:11
  Start
• 6:11
  small,
• 6:12
  start
• 6:12
  slow,
• 6:13
  but
• 6:13
  start
• 6:13
  today.
• 6:15
  This
• 6:15
  is
• 6:15
  your
• 6:16
  ladder
• 6:16
  to
• 6:17
  get
• 6:17
  you
• 6:17
  out
• 6:17
  of
• 6:17
  a
• 6:17
  problem.
• 6:17
  Hey,
• 6:18
  maybe
• 6:18
  for
• 6:18
  you
• 6:18
  it's
• 6:19
  a
• 6:19
  hundred
• 6:19
  dollars.
• 6:19
  Maybe
• 6:20
  for
• 6:20
  you
• 6:20
  it's
• 6:20
  a
• 6:20
  thousand
• 6:21
  dollars.
• 6:21
  Maybe
• 6:21
  it's
• 6:22
  just
• 6:22
  one
• 6:22
  month
• 6:22
  of
• 6:23
  expenses.
• 6:24
  As
• 6:24
  I've
• 6:24
  said
• 6:25
  on
• 6:25
  this
• 6:25
  show,
• 6:25
  the
• 6:25
  goal
• 6:25
  is
• 6:26
  three
• 6:26
  to
• 6:26
  six
• 6:26
  months
• 6:26
  over
• 6:27
  time.
• 6:27
  I
• 6:27
  was
• 6:27
  just
• 6:27
  having
• 6:28
  a
• 6:28
  talk
• 6:28
  with
• 6:28
  my
• 6:29
  youngest
• 6:29
  son
• 6:29
  yesterday.
• 6:30
  I
• 6:30
  said,
• 6:30
  how's
• 6:31
  your
• 6:31
  emergency
• 6:31
  fund
• 6:31
  going?
• 6:32
  He
• 6:32
  goes,
• 6:32
  dad,
• 6:32
  I've
• 6:33
  got
• 6:33
  $1,800
• 6:34
  saved.
• 6:34
  I'm
• 6:34
  like,
• 6:34
  that's
• 6:35
  fantastic,
• 6:35
  son.
• 6:36
  And
• 6:36
  he
• 6:36
  says,
• 6:37
  but
• 6:37
  I
• 6:37
  want
• 6:37
  to
• 6:37
  get
• 6:37
  more.
• 6:37
  I'm
• 6:38
  like,
• 6:38
  that's
• 6:38
  even
• 6:38
  better.
• 6:40
  And
• 6:40
  like
• 6:40
  I
• 6:41
  explained
• 6:41
  to
• 6:41
  him,
• 6:41
  it's
• 6:41
  not
• 6:41
  about
• 6:42
  getting
• 6:42
  rich.
• 6:43
  It's
• 6:43
  about
• 6:44
  building
• 6:44
  breathing
• 6:45
  room.
• 6:45
  That
• 6:46
  breathing
• 6:46
  room
• 6:46
  protects
• 6:47
  your
• 6:47
  peace.
• 6:47
  And
• 6:48
  every
• 6:48
  single
• 6:49
  dollar
• 6:49
  of
• 6:49
  that
• 6:50
  margin
• 6:50
  is
• 6:50
  a
• 6:50
  shield.
• 6:51
  It's
• 6:51
  a
• 6:51
  shield
• 6:51
  against
• 6:52
  those
• 6:52
  things
• 6:52
  that
• 6:53
  are
• 6:53
  going
• 6:53
  to
• 6:53
  come
• 6:53
  in
• 6:53
  your
• 6:54
  life.
• 6:54
  We
• 6:54
  already
• 6:54
  said
• 6:54
  it.
• 6:54
  The
• 6:55
  storms
• 6:55
  are
• 6:55
  coming.
• 6:57
  Number
• 6:57
  three,
• 6:58
  my
• 6:58
  friend
• 6:58
  learned
• 6:59
  this.
• 6:59
  You
• 6:59
  got
• 6:59
  to
• 7:00
  keep
• 7:00
  a
• 7:00
  flexible
• 7:00
  mindset.
• 7:01
  You
• 7:01
  got
• 7:01
  to
• 7:02
  understand
• 7:02
  faith
• 7:02
  and
• 7:03
  adaptability.
• 7:05
  A
• 7:05
  lot
• 7:05
  of
• 7:05
  people
• 7:05
  get
• 7:05
  stuck
• 7:05
  on
• 7:06
  this.
• 7:06
  Flexibility
• 7:06
  is
• 7:07
  not
• 7:07
  failure.
• 7:09
  Hear
• 7:09
  that?
• 7:10
  Being
• 7:11
  flexible
• 7:11
  means
• 7:12
  that
• 7:12
  you
• 7:12
  pause
• 7:12
  your
• 7:13
  wants.
• 7:13
  See,
• 7:13
  sometimes
• 7:13
  in
• 7:14
  life,
• 7:15
  you
• 7:15
  got
• 7:15
  to
• 7:15
  pause
• 7:15
  those
• 7:16
  once.
• 7:16
  It's
• 7:16
  a
• 7:17
  season
• 7:17
  of
• 7:17
  needs
• 7:17
  only.
• 7:18
  But
• 7:19
  that
• 7:19
  doesn't
• 7:19
  make
• 7:19
  you
• 7:19
  pause
• 7:20
  your
• 7:20
  purpose.
• 7:20
  See,
• 7:20
  we
• 7:20
  talked
• 7:21
  about
• 7:21
  that
• 7:21
  yesterday.
• 7:22
  What
• 7:22
  is
• 7:22
  your
• 7:22
  purpose?
• 7:23
  Yeah,
• 7:24
  you
• 7:24
  might
• 7:24
  have
• 7:24
  to
• 7:24
  shift
• 7:25
  the
• 7:25
  plans,
• 7:26
  but
• 7:26
  you
• 7:27
  don't
• 7:27
  have
• 7:27
  to
• 7:27
  shift
• 7:27
  the
• 7:27
  calling.
• 7:30
  You
• 7:30
  can
• 7:30
  adjust
• 7:31
  without
• 7:31
  quitting.
• 7:32
  See,
• 7:32
  my
• 7:33
  friend
• 7:33
  could
• 7:33
  have
• 7:33
  easily
• 7:33
  said,
• 7:34
  you
• 7:34
  know
• 7:34
  what,
• 7:34
  Ralph?
• 7:34
  Why
• 7:34
  did
• 7:35
  I
• 7:35
  even
• 7:35
  bother?
• 7:35
  I'm
• 7:35
  gonna
• 7:36
  go
• 7:36
  through
• 7:36
  all
• 7:36
  the
• 7:36
  savings.
• 7:37
  No,
• 7:37
  he
• 7:37
  understood
• 7:38
  he
• 7:38
  needed
• 7:38
  to
• 7:38
  adjust.
• 7:39
  He
• 7:39
  needed
• 7:39
  to
• 7:39
  live
• 7:39
  in
• 7:40
  a
• 7:40
  season
• 7:40
  of
• 7:40
  leanness.
• 7:42
  And
• 7:42
  he
• 7:42
  understood
• 7:43
  letting
• 7:43
  his
• 7:43
  budget
• 7:44
  move
• 7:44
  with
• 7:44
  that
• 7:44
  season
• 7:45
  of
• 7:45
  his
• 7:45
  life.
• 7:47
  Because
• 7:47
  that
• 7:48
  adaptability,
• 7:48
  that
• 7:48
  flexibility,
• 7:50
  that
• 7:50
  honors
• 7:51
  God,
• 7:51
  too.
• 7:52
  And
• 7:53
  he
• 7:53
  leads
• 7:53
  us
• 7:53
  step
• 7:54
  by
• 7:54
  step,
• 7:54
  not
• 7:54
  all
• 7:54
  at
• 7:55
  once.
• 7:55
  I
• 7:55
  said
• 7:55
  that
• 7:55
  on
• 7:55
  yesterday's
• 7:56
  show,
• 7:56
  and
• 7:56
  I
• 7:56
  want
• 7:56
  to
• 7:56
  just
• 7:56
  reaffirm
• 7:57
  that
• 7:57
  for
• 7:57
  a
• 7:57
  second.
• 7:58
  He
• 7:58
  gives
• 7:59
  you
• 7:59
  what
• 7:59
  you
• 7:59
  can
• 7:59
  handle
• 8:01
  and
• 8:01
  finally,
• 8:03
  combine
• 8:03
  faith
• 8:04
  and
• 8:04
  preparation.
• 8:06
  You
• 8:06
  can't
• 8:07
  do
• 8:07
  them
• 8:07
  without
• 8:07
  each
• 8:07
  other,
• 8:09
  because
• 8:09
  faith
• 8:10
  will
• 8:10
  steady
• 8:10
  your
• 8:10
  heart.
• 8:11
  Faith
• 8:11
  will
• 8:11
  tell
• 8:11
  you,
• 8:12
  no
• 8:12
  matter
• 8:12
  what
• 8:12
  happens,
• 8:13
  I'm
• 8:13
  going
• 8:13
  to
• 8:13
  be
• 8:13
  okay.
• 8:16
  But
• 8:16
  you
• 8:16
  can't
• 8:16
  just
• 8:16
  live
• 8:16
  in
• 8:17
  faith.
• 8:17
  You
• 8:17
  also
• 8:17
  have
• 8:17
  to
• 8:17
  live
• 8:18
  in
• 8:18
  preparation.
• 8:18
  See,
• 8:18
  a
• 8:19
  lot
• 8:19
  of
• 8:19
  people
• 8:19
  want
• 8:19
  to
• 8:19
  argue
• 8:19
  with
• 8:19
  me
• 8:20
  on
• 8:20
  that
• 8:20
  they
• 8:20
  said,
• 8:20
  Ralph,
• 8:20
  wait
• 8:21
  a
• 8:21
  minute.
• 8:21
  But
• 8:21
  if
• 8:21
  you
• 8:21
  prepare,
• 8:22
  you're
• 8:22
  not
• 8:22
  being
• 8:22
  faithful.
• 8:23
  I
• 8:23
  don't
• 8:23
  agree
• 8:23
  with
• 8:23
  that.
• 8:24
  The
• 8:24
  two
• 8:25
  things
• 8:25
  go
• 8:25
  hand
• 8:25
  in
• 8:26
  hand.
• 8:27
  When
• 8:27
  you
• 8:27
  have
• 8:28
  faith,
• 8:28
  you're
• 8:28
  steady.
• 8:29
  And
• 8:29
  that
• 8:29
  preparation
• 8:30
  steadies
• 8:30
  your
• 8:31
  finances.
• 8:31
  See,
• 8:32
  God
• 8:32
  never
• 8:32
  asked
• 8:32
  you
• 8:32
  to
• 8:33
  choose
• 8:33
  between
• 8:33
  trusting
• 8:33
  him
• 8:34
  and
• 8:34
  preparing
• 8:34
  wisely.
• 8:35
  He
• 8:35
  never
• 8:35
  did
• 8:35
  that.
• 8:36
  Preparation
• 8:37
  is
• 8:37
  worship.
• 8:37
  Preparation
• 8:38
  is
• 8:38
  obedience.
• 8:39
  Preparation
• 8:40
  is
• 8:40
  resilience.
• 8:40
  Look
• 8:40
  at
• 8:41
  John
• 8:41
  16:33.
• 8:42
  It
• 8:42
  says
• 8:42
  it
• 8:42
  plainly.
• 8:43
  In
• 8:43
  this
• 8:43
  world
• 8:44
  you
• 8:44
  will
• 8:45
  have
• 8:45
  trouble.
• 8:46
  But
• 8:46
  take
• 8:46
  heart,
• 8:47
  I
• 8:47
  have
• 8:47
  overcome
• 8:47
  the
• 8:48
  world,
• 8:48
  man.
• 8:48
  If
• 8:48
  you
• 8:48
  can't
• 8:48
  understand,
• 8:49
  the
• 8:49
  guarantee
• 8:50
  in
• 8:50
  that
• 8:52
  trouble
• 8:52
  is
• 8:52
  guaranteed.
• 8:55
  But
• 8:56
  defeat
• 8:56
  is
• 8:56
  not
• 8:56
  guaranteed.
• 8:57
  Because
• 8:57
  the
• 8:57
  Lord
• 8:58
  said
• 8:58
  himself,
• 8:58
  I
• 8:59
  have
• 8:59
  overcome
• 8:59
  the
• 8:59
  world.
• 9:03
  You're
• 9:03
  going
• 9:03
  to
• 9:03
  have
• 9:03
  trouble
• 9:04
  in
• 9:04
  life.
• 9:04
  You're
• 9:04
  going
• 9:04
  to
• 9:04
  have
• 9:05
  storms
• 9:05
  in
• 9:05
  life.
• 9:08
  But
• 9:08
  just
• 9:08
  remember,
• 9:10
  Jesus
• 9:10
  overcame
• 9:11
  the
• 9:11
  world
• 9:11
  and
• 9:12
  so
• 9:12
  can
• 9:12
  you
• 9:12
  that
• 9:12
  way.
• 9:12
  We
• 9:13
  pray
• 9:13
  together
• 9:13
  right
• 9:13
  now,
• 9:13
  Lord.
• 9:14
  We
• 9:14
  just
• 9:14
  ask
• 9:14
  you
• 9:15
  right
• 9:15
  now
• 9:15
  to
• 9:15
  give
• 9:15
  me
• 9:15
  strength
• 9:16
  in
• 9:16
  this
• 9:16
  uncertainty.
• 9:17
  We
• 9:17
  see
• 9:17
  the
• 9:17
  storms,
• 9:18
  Lord.
• 9:18
  We
• 9:18
  see
• 9:18
  them
• 9:18
  on
• 9:19
  the
• 9:19
  horizon.
• 9:19
  We
• 9:19
  see
• 9:19
  them
• 9:19
  all
• 9:20
  around
• 9:20
  us,
• 9:20
  Lord.
• 9:21
  Give
• 9:21
  us
• 9:21
  wisdom
• 9:21
  to
• 9:22
  prepare
• 9:22
  with
• 9:22
  without
• 9:23
  fear,
• 9:23
  Lord.
• 9:23
  To
• 9:24
  prepare
• 9:24
  with
• 9:24
  diligence
• 9:25
  and
• 9:25
  guard
• 9:25
  our
• 9:25
  hearts
• 9:26
  and
• 9:26
  guide
• 9:26
  our
• 9:27
  decisions
• 9:27
  in
• 9:28
  those
• 9:28
  day
• 9:28
  to
• 9:28
  day
• 9:28
  things,
• 9:29
  Lord,
• 9:29
  as
• 9:29
  we
• 9:29
  take
• 9:29
  it
• 9:30
  one
• 9:30
  step
• 9:30
  at
• 9:30
  a
• 9:30
  time
• 9:31
  with
• 9:31
  you
• 9:32
  at
• 9:32
  our
• 9:32
  side,
• 9:32
  Lord.
• 9:33
  And
• 9:33
  we
• 9:33
  just
• 9:33
  ask
• 9:33
  this
• 9:34
  in
• 9:34
  the
• 9:34
  name
• 9:34
  of
• 9:34
  Jesus.
• 9:35
  Amen.
• 9:36
  Okay,
• 9:36
  you
• 9:36
  ready
• 9:36
  for
• 9:36
  today's
• 9:37
  action
• 9:37
  step?
• 9:38
  I
• 9:38
  want
• 9:38
  you
• 9:38
  to
• 9:38
  write
• 9:38
  down
• 9:39
  one
• 9:39
  lesson
• 9:39
  you
• 9:40
  learned
• 9:40
  from
• 9:40
  this
• 9:40
  year's
• 9:41
  biggest
• 9:41
  surprise.
• 9:41
  What
• 9:42
  was
• 9:42
  that
• 9:42
  biggest
• 9:42
  surprise
• 9:42
  you
• 9:43
  had
• 9:43
  this
• 9:43
  year?
• 9:44
  Was
• 9:44
  it
• 9:44
  that
• 9:44
  unexpected
• 9:45
  car
• 9:45
  bill?
• 9:46
  Was
• 9:46
  it
• 9:46
  that
• 9:46
  repair
• 9:47
  to
• 9:47
  the
• 9:47
  house?
• 9:47
  Maybe
• 9:47
  it
• 9:48
  was
• 9:48
  a
• 9:48
  medical
• 9:48
  emergency.
• 9:49
  Maybe
• 9:49
  it
• 9:50
  was
• 9:50
  helping
• 9:50
  to
• 9:50
  step
• 9:50
  in
• 9:51
  for
• 9:51
  a
• 9:51
  family
• 9:51
  or
• 9:51
  a
• 9:52
  friend.
• 9:53
  And
• 9:53
  then
• 9:53
  think
• 9:54
  about,
• 9:54
  once
• 9:54
  you
• 9:54
  write
• 9:55
  that
• 9:55
  down,
• 9:55
  what's
• 9:55
  one
• 9:56
  change
• 9:56
  that
• 9:56
  you'll
• 9:57
  make
• 9:57
  next
• 9:57
  year
• 9:58
  to
• 9:58
  avoid
• 9:58
  that?
• 9:58
  So
• 9:59
  you
• 9:59
  prepare
• 9:59
  for
• 9:59
  that.
• 9:59
  Maybe
• 10:00
  for
• 10:00
  you,
• 10:00
  you're
• 10:00
  going
• 10:00
  to
• 10:01
  put
• 10:01
  $200
• 10:01
  a
• 10:01
  month
• 10:02
  to
• 10:02
  that
• 10:02
  emergency
• 10:02
  fund,
• 10:04
  but
• 10:04
  put
• 10:04
  it
• 10:04
  somewhere
• 10:05
  where
• 10:05
  you're
• 10:05
  going
• 10:05
  to
• 10:05
  see
• 10:05
  it
• 10:06
  weekly.
• 10:06
  Because
• 10:06
  that
• 10:07
  consistency
• 10:07
  builds
• 10:08
  resilience.
• 10:09
  And
• 10:10
  if
• 10:10
  you
• 10:10
  want
• 10:10
  to
• 10:10
  build
• 10:10
  resilience
• 10:11
  with
• 10:11
  people,
• 10:11
  you're
• 10:11
  not
• 10:12
  alone
• 10:12
  in
• 10:12
  that.
• 10:12
  Come
• 10:13
  join
• 10:13
  us
• 10:13
  inside
• 10:13
  the
• 10:13
  financially
• 10:14
  confident
• 10:14
  Christian
• 10:15
  community.
• 10:16
  You
• 10:16
  can
• 10:16
  join
• 10:16
  that
• 10:16
  by
• 10:16
  going
• 10:16
  to
• 10:17
  financiallyconfidentchristian.com/join.
• 10:19
  We
• 10:20
  would
• 10:20
  love
• 10:20
  to
• 10:20
  have
• 10:20
  you
• 10:20
  over
• 10:20
  there.
• 10:21
  We're
• 10:21
  still
• 10:21
  growing.
• 10:22
  You
• 10:22
  don't
• 10:22
  have
• 10:22
  to
• 10:23
  weather
• 10:23
  life
• 10:23
  alone.
• 10:24
  And
• 10:24
  we'd
• 10:24
  love
• 10:24
  you
• 10:24
  to
• 10:25
  join
• 10:25
  our
• 10:25
  financially
• 10:25
  confident
• 10:26
  Christian
• 10:26
  community
• 10:28
  at
• 10:29
  financiallyconfidentchristian.com/join.
• 10:31
  If
• 10:32
  this
• 10:32
  year
• 10:32
  shook
• 10:32
  you,
• 10:33
  it
• 10:34
  doesn't
• 10:34
  mean
• 10:34
  that
• 10:34
  God
• 10:35
  left
• 10:35
  you.
• 10:35
  He's
• 10:35
  still
• 10:35
  right
• 10:36
  there
• 10:36
  with
• 10:36
  you.
• 10:36
  In
• 10:36
  fact,
• 10:36
  he's
• 10:36
  probably
• 10:37
  carrying
• 10:37
  you
• 10:37
  now.
• 10:38
  You're
• 10:39
  not
• 10:39
  defeated.
• 10:40
  You're
• 10:40
  being
• 10:40
  strengthened.
• 10:41
  Do
• 10:41
  you
• 10:41
  feel
• 10:41
  strengthened?
• 10:42
  And
• 10:42
  that
• 10:42
  resilience,
• 10:44
  you
• 10:44
  can
• 10:44
  build
• 10:44
  it
• 10:45
  step
• 10:46
  by
• 10:46
  step
• 10:46
  with
• 10:47
  God
• 10:47
  right
• 10:47
  beside
• 10:48
  you.
• 10:49
  So
• 10:49
  today
• 10:49
  I
• 10:50
  want
• 10:50
  to
• 10:50
  encourage
• 10:50
  you.
• 10:50
  Go
• 10:50
  be
• 10:51
  a
• 10:51
  financially
• 10:51
  confident
• 10:52
  Christian.
• 10:52
  You
• 10:52
  can
• 10:53
  do
• 10:53
  this.
• 10:53
  I
• 10:53
  have
• 10:54
  confidence
• 10:54
  in
• 10:54
  you.
• 10:54
  And
• 10:54
  the
• 10:54
  Lord
• 10:55
  is
• 10:55
  with
• 10:55
  you
• 10:55
  as
• 10:55
  well.
• 10:56
  Stay
• 10:56
  financially
• 10:57
  savvy.
• 10:57
  God
• 10:57
  bless
• 10:58
  you.
• 10:58
  And
• 10:58
  you
• 10:58
  have
• 10:58
  a
• 10:58
  great
• 10:59
  day
• 10:59
  today.