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How Do I Stop Overdrafting My Account? · Becoming Financially Confident

• 0:37
  Do
• 0:37
  you
• 0:37
  ever
• 0:37
  feel
• 0:38
  that
• 0:38
  little
• 0:38
  spike
• 0:38
  of
• 0:39
  panic
• 0:39
  when
• 0:39
  you
• 0:39
  swipe
• 0:40
  your
• 0:40
  card
• 0:40
  and
• 0:40
  you're
• 0:40
  just
• 0:41
  not
• 0:41
  sure
• 0:41
  if
• 0:41
  it's
• 0:41
  going
• 0:41
  to
• 0:41
  go
• 0:42
  through?
• 0:43
  And
• 0:43
  even
• 0:43
  if
• 0:43
  it
• 0:44
  does,
• 0:44
  you're
• 0:44
  already
• 0:44
  bracing
• 0:45
  yourself
• 0:45
  for
• 0:45
  the
• 0:45
  aftermath
• 0:47
  because
• 0:47
  you've
• 0:47
  been
• 0:48
  here
• 0:48
  before.
• 0:49
  $35
• 0:50
  overdraft
• 0:51
  fee,
• 0:52
  the
• 0:52
  shame
• 0:52
  of
• 0:53
  it
• 0:53
  being
• 0:53
  declined.
• 0:54
  And
• 0:55
  that
• 0:55
  feeling
• 0:55
  of,
• 0:55
  how
• 0:56
  did
• 0:56
  I
• 0:56
  do
• 0:56
  this
• 0:56
  again,
• 0:58
  Friend,
• 0:59
  overdrafts
• 0:59
  don't
• 1:00
  just
• 1:00
  take
• 1:00
  your
• 1:00
  money,
• 1:01
  they
• 1:01
  take
• 1:01
  your
• 1:01
  peace.
• 1:03
  But
• 1:03
  today
• 1:03
  I'm
• 1:04
  going
• 1:04
  to
• 1:04
  give
• 1:04
  you
• 1:04
  a
• 1:04
  way
• 1:04
  to
• 1:04
  stop
• 1:04
  the
• 1:05
  cycle.
• 1:05
  Not
• 1:05
  with
• 1:06
  willpower,
• 1:07
  with
• 1:07
  a
• 1:07
  simple
• 1:08
  system
• 1:08
  you
• 1:08
  can
• 1:08
  set
• 1:09
  up
• 1:09
  this
• 1:09
  very
• 1:10
  week.
• 1:32
  Hello,
• 1:33
  friend
• 1:34
  Ralph
• 1:34
  Estep
• 1:35
  Jr.
• 1:35
  here
• 1:36
  This
• 1:36
  is
• 1:36
  Financially
• 1:37
  Confident
• 1:37
  Christian,
• 1:38
  where
• 1:39
  we
• 1:39
  break
• 1:39
  the
• 1:39
  cycle
• 1:40
  of
• 1:40
  financial
• 1:40
  shame
• 1:41
  and
• 1:41
  help
• 1:42
  you
• 1:42
  find
• 1:42
  financial
• 1:43
  confidence.
• 1:44
  And
• 1:45
  today's
• 1:45
  topic
• 1:45
  is
• 1:46
  very
• 1:46
  practical.
• 1:47
  We're
• 1:47
  going
• 1:47
  to
• 1:47
  talk
• 1:48
  about
• 1:48
  a
• 1:48
  system
• 1:48
  to
• 1:48
  prevent
• 1:49
  overdrafts
• 1:50
  this
• 1:50
  very
• 1:50
  week.
• 1:51
  Let's
• 1:51
  get
• 1:51
  right
• 1:51
  into
• 1:51
  our
• 1:52
  listener
• 1:52
  question.
• 1:53
  Listener
• 1:53
  wrote
• 1:54
  this,
• 1:54
  Ralph.
• 1:55
  Overdrafts
• 1:56
  keep
• 1:56
  hitting
• 1:56
  me
• 1:56
  and
• 1:57
  I
• 1:57
  hate
• 1:57
  it.
• 1:58
  The
• 1:58
  fees,
• 1:59
  the
• 1:59
  embarrassment.
• 2:00
  And
• 2:01
  that
• 2:01
  awful
• 2:01
  moment
• 2:01
  when
• 2:02
  I
• 2:02
  realize
• 2:02
  I've
• 2:02
  done
• 2:03
  it
• 2:03
  again.
• 2:04
  I
• 2:04
  am
• 2:04
  sick
• 2:04
  of
• 2:05
  feeling
• 2:05
  this
• 2:05
  way
• 2:05
  every
• 2:06
  time
• 2:06
  I
• 2:06
  check
• 2:06
  my
• 2:06
  account
• 2:07
  or
• 2:07
  swipe
• 2:07
  my
• 2:07
  card.
• 2:08
  What's
• 2:09
  a
• 2:09
  practical
• 2:09
  system
• 2:10
  I
• 2:10
  can
• 2:10
  put
• 2:10
  in
• 2:11
  place
• 2:11
  this
• 2:11
  week
• 2:12
  to
• 2:12
  finally
• 2:12
  stop
• 2:13
  this?
• 2:14
  I
• 2:14
  need
• 2:14
  something
• 2:15
  to
• 2:15
  actually
• 2:15
  prevent
• 2:15
  it
• 2:16
  from
• 2:16
  happening
• 2:16
  because
• 2:17
  I'm
• 2:17
  done
• 2:17
  with
• 2:17
  this
• 2:18
  constant
• 2:18
  sinking
• 2:19
  feeling,
• 2:20
  you
• 2:21
  know,
• 2:21
  As
• 2:21
  I
• 2:21
  was
• 2:21
  reading
• 2:21
  this
• 2:22
  question
• 2:22
  today,
• 2:22
  it
• 2:22
  reminded
• 2:23
  me
• 2:23
  of
• 2:23
  the
• 2:23
  beginning
• 2:23
  of
• 2:23
  my
• 2:24
  book.
• 2:25
  I
• 2:25
  wrote
• 2:25
  a
• 2:25
  book
• 2:25
  called
• 2:26
  Becoming
• 2:27
  a
• 2:27
  Financially
• 2:27
  Confident
• 2:28
  Christian.
• 2:28
  We'll
• 2:28
  put
• 2:28
  a
• 2:28
  link
• 2:28
  to
• 2:29
  that
• 2:29
  in
• 2:29
  the
• 2:29
  show
• 2:29
  notes.
• 2:29
  But
• 2:30
  I
• 2:30
  talk
• 2:30
  about
• 2:31
  in
• 2:31
  the
• 2:31
  book
• 2:31
  how
• 2:31
  I
• 2:32
  was
• 2:32
  at
• 2:32
  the
• 2:32
  checkout
• 2:32
  at
• 2:33
  the
• 2:33
  grocery
• 2:34
  and
• 2:34
  I
• 2:34
  swiped
• 2:35
  my
• 2:35
  card
• 2:35
  and
• 2:36
  it
• 2:36
  got
• 2:36
  declined.
• 2:37
  I
• 2:38
  never
• 2:38
  forget
• 2:38
  the
• 2:38
  feeling
• 2:39
  of
• 2:39
  shame
• 2:39
  I
• 2:39
  had
• 2:40
  and
• 2:40
  that
• 2:40
  feeling
• 2:40
  like,
• 2:41
  oh,
• 2:41
  here
• 2:41
  we
• 2:41
  go
• 2:41
  again.
• 2:42
  And
• 2:42
  I
• 2:42
  remember
• 2:42
  walking
• 2:43
  out
• 2:43
  to
• 2:43
  the
• 2:43
  car
• 2:43
  and
• 2:44
  just
• 2:44
  sobbing.
• 2:45
  My
• 2:46
  son
• 2:46
  was
• 2:46
  young
• 2:46
  at
• 2:47
  the
• 2:47
  time.
• 2:47
  He
• 2:47
  said,
• 2:47
  daddy,
• 2:47
  what's
• 2:48
  wrong?
• 2:49
  I
• 2:49
  couldn't
• 2:50
  burden
• 2:50
  him
• 2:50
  with
• 2:50
  that.
• 2:51
  But
• 2:51
  maybe
• 2:52
  you
• 2:52
  felt
• 2:52
  that
• 2:52
  sometimes.
• 2:54
  And
• 2:55
  overdrafts
• 2:56
  stop
• 2:56
  when
• 2:56
  you
• 2:56
  build
• 2:56
  a
• 2:56
  buffer
• 2:57
  and
• 2:57
  run
• 2:57
  your
• 2:57
  spending
• 2:58
  through
• 2:58
  a
• 2:58
  safe
• 2:58
  to
• 2:59
  spend
• 2:59
  system.
• 2:59
  So
• 2:59
  today
• 2:59
  I
• 3:00
  want
• 3:00
  to
• 3:00
  give
• 3:00
  you
• 3:00
  a
• 3:00
  system
• 3:00
  to
• 3:01
  help
• 3:01
  you
• 3:01
  not
• 3:01
  have
• 3:01
  those
• 3:02
  moments
• 3:02
  like
• 3:02
  I've
• 3:03
  had
• 3:03
  way
• 3:03
  too
• 3:04
  many
• 3:04
  times.
• 3:05
  And
• 3:05
  it
• 3:06
  starts
• 3:06
  with
• 3:06
  this.
• 3:06
  And
• 3:06
  this
• 3:07
  is
• 3:07
  going
• 3:07
  to
• 3:07
  sound
• 3:07
  like
• 3:07
  a
• 3:07
  very
• 3:07
  unusual
• 3:08
  place
• 3:08
  to
• 3:08
  start.
• 3:10
  Turn
• 3:10
  off
• 3:10
  the
• 3:10
  overdraft
• 3:11
  trap
• 3:11
  today.
• 3:13
  Call
• 3:13
  your
• 3:13
  bank
• 3:14
  or
• 3:14
  login
• 3:14
  right
• 3:14
  now
• 3:15
  and
• 3:16
  ask
• 3:16
  about
• 3:16
  these
• 3:17
  settings.
• 3:18
  Opt
• 3:18
  out
• 3:19
  of
• 3:19
  overdraft
• 3:19
  coverage
• 3:21
  for
• 3:21
  a
• 3:21
  debit
• 3:22
  card
• 3:23
  you
• 3:23
  purchase
• 3:23
  there.
• 3:23
  It
• 3:24
  declines
• 3:24
  instead
• 3:24
  of
• 3:25
  charging
• 3:25
  a
• 3:25
  fee.
• 3:25
  It's
• 3:25
  really
• 3:25
  that
• 3:26
  simple.
• 3:26
  If
• 3:26
  you
• 3:26
  try
• 3:26
  to
• 3:26
  make
• 3:27
  a
• 3:27
  charge
• 3:28
  it
• 3:28
  will
• 3:28
  just
• 3:28
  tell
• 3:28
  you
• 3:29
  you've
• 3:29
  been
• 3:29
  declined.
• 3:29
  Yes.
• 3:30
  Is
• 3:30
  that
• 3:30
  embarrassing?
• 3:30
  Yes,
• 3:31
  it
• 3:31
  is.
• 3:32
  But
• 3:32
  you're
• 3:32
  going
• 3:32
  to
• 3:32
  save
• 3:33
  that
• 3:33
  $35.
• 3:34
  I
• 3:34
  saw
• 3:34
  one
• 3:34
  the
• 3:34
  other
• 3:35
  day.
• 3:35
  It
• 3:35
  was
• 3:35
  a
• 3:35
  $60
• 3:36
  overdraft
• 3:37
  fee.
• 3:38
  That
• 3:38
  just
• 3:39
  makes
• 3:39
  the
• 3:39
  problem
• 3:39
  worse.
• 3:41
  Another
• 3:41
  thing
• 3:41
  you
• 3:41
  can
• 3:41
  do
• 3:41
  is
• 3:42
  turn
• 3:42
  on
• 3:42
  low
• 3:42
  balance
• 3:43
  alerts.
• 3:43
  I
• 3:43
  love
• 3:44
  these.
• 3:45
  Set
• 3:45
  a
• 3:45
  text
• 3:46
  to
• 3:46
  yourself,
• 3:46
  send
• 3:46
  an
• 3:46
  email.
• 3:47
  Most
• 3:47
  banking
• 3:48
  apps
• 3:48
  have
• 3:48
  these.
• 3:49
  Set
• 3:49
  a
• 3:49
  minimum
• 3:50
  for
• 3:50
  yourself.
• 3:50
  If
• 3:50
  my
• 3:51
  minimum
• 3:51
  balance
• 3:51
  is
• 3:52
  this,
• 3:52
  I
• 3:52
  get
• 3:52
  an
• 3:53
  alert.
• 3:54
  Turn
• 3:54
  on
• 3:55
  transactions
• 3:55
  alerts
• 3:56
  with
• 3:56
  every
• 3:56
  purchase,
• 3:57
  every
• 3:57
  withdrawal.
• 3:59
  Yes,
• 3:59
  I
• 4:00
  get
• 4:00
  it.
• 4:00
  A
• 4:00
  decline
• 4:01
  card
• 4:01
  is
• 4:01
  frustrating,
• 4:02
  but
• 4:03
  an
• 4:03
  overdraft
• 4:04
  is
• 4:04
  punishment.
• 4:04
  It's
• 4:05
  punishment
• 4:05
  over
• 4:06
  and
• 4:06
  over
• 4:06
  again.
• 4:08
  We
• 4:08
  gotta
• 4:08
  start
• 4:08
  by
• 4:09
  choosing
• 4:09
  prevention.
• 4:10
  Here's
• 4:11
  one
• 4:11
  of
• 4:11
  the
• 4:11
  ways
• 4:11
  you
• 4:11
  can
• 4:11
  prevent
• 4:12
  that.
• 4:12
  Create
• 4:13
  a
• 4:13
  bills
• 4:13
  account
• 4:14
  and
• 4:14
  a
• 4:14
  spending
• 4:14
  account.
• 4:16
  I
• 4:16
  really
• 4:16
  like
• 4:16
  this
• 4:17
  plan.
• 4:17
  It's
• 4:17
  just
• 4:17
  two
• 4:18
  accounts
• 4:18
  and
• 4:18
  two
• 4:19
  jobs.
• 4:20
  Your
• 4:20
  bills
• 4:21
  account
• 4:21
  is
• 4:21
  for
• 4:21
  your
• 4:22
  rent,
• 4:22
  your
• 4:22
  mortgage,
• 4:23
  your
• 4:23
  utilities,
• 4:24
  your
• 4:24
  insurance,
• 4:25
  those
• 4:26
  debt
• 4:26
  payments,
• 4:28
  subscriptions.
• 4:28
  You're
• 4:28
  keeping
• 4:29
  anything
• 4:29
  that
• 4:29
  drifts
• 4:30
  automatically,
• 4:30
  that
• 4:31
  automatically
• 4:31
  goes
• 4:32
  into
• 4:32
  the
• 4:32
  bills
• 4:32
  account.
• 4:34
  If
• 4:34
  you
• 4:34
  think
• 4:34
  about
• 4:35
  it,
• 4:36
  that
• 4:36
  keeps
• 4:36
  you
• 4:36
  from
• 4:36
  going
• 4:37
  overdrafted
• 4:37
  because
• 4:37
  you
• 4:38
  know
• 4:38
  you
• 4:38
  have
• 4:38
  enough
• 4:38
  in
• 4:38
  there
• 4:39
  to
• 4:39
  cover
• 4:39
  that.
• 4:40
  The
• 4:40
  other
• 4:40
  account
• 4:41
  is
• 4:41
  your
• 4:41
  spending
• 4:42
  account.
• 4:43
  That's
• 4:43
  where
• 4:43
  you
• 4:43
  pay
• 4:43
  for
• 4:44
  groceries,
• 4:45
  gas,
• 4:46
  coffee,
• 4:47
  everyday
• 4:47
  life.
• 4:49
  And
• 4:49
  I
• 4:49
  really
• 4:49
  believe
• 4:50
  this
• 4:50
  works
• 4:50
  because
• 4:51
  overdrafts
• 4:51
  usually
• 4:52
  happen
• 4:52
  when
• 4:52
  bills
• 4:53
  and
• 4:53
  spending
• 4:53
  use
• 4:53
  the
• 4:54
  same
• 4:54
  pool
• 4:54
  of
• 4:55
  money
• 4:56
  and
• 4:56
  you
• 4:56
  lose
• 4:56
  track
• 4:56
  of
• 4:57
  what's
• 4:57
  committed.
• 4:58
  And
• 4:59
  when
• 4:59
  you
• 4:59
  have
• 4:59
  two
• 4:59
  accounts
• 5:01
  put
• 5:01
  pretty
• 5:01
  much
• 5:01
  brings
• 5:01
  clarity
• 5:02
  pretty
• 5:02
  fast.
• 5:04
  But
• 5:04
  now,
• 5:04
  to
• 5:04
  even
• 5:05
  make
• 5:05
  it
• 5:05
  stronger,
• 5:05
  I'm
• 5:06
  going
• 5:06
  to
• 5:06
  encourage
• 5:06
  you
• 5:06
  to
• 5:06
  do
• 5:06
  a
• 5:07
  10
• 5:07
  minute
• 5:07
  bills
• 5:08
  map
• 5:08
  and
• 5:08
  automate
• 5:09
  the
• 5:09
  basics
• 5:10
  this
• 5:10
  week.
• 5:11
  List
• 5:11
  each
• 5:11
  bill,
• 5:12
  the
• 5:12
  due
• 5:13
  date,
• 5:13
  the
• 5:13
  average
• 5:14
  amount
• 5:14
  of
• 5:14
  that
• 5:14
  bill,
• 5:15
  and
• 5:15
  when
• 5:15
  it
• 5:15
  drifts
• 5:16
  automatically.
• 5:17
  And
• 5:18
  then
• 5:18
  prepare
• 5:18
  yourself
• 5:18
  for
• 5:19
  that.
• 5:20
  Set
• 5:20
  one
• 5:20
  payday
• 5:21
  transfer
• 5:21
  ahead
• 5:22
  of
• 5:22
  time.
• 5:22
  One
• 5:22
  payday
• 5:23
  move.
• 5:23
  The
• 5:24
  bill's
• 5:24
  money
• 5:24
  moves
• 5:24
  into
• 5:25
  the
• 5:25
  bills
• 5:25
  account
• 5:25
  first,
• 5:27
  not
• 5:27
  after
• 5:28
  you
• 5:28
  spend
• 5:28
  it
• 5:29
  first.
• 5:30
  So
• 5:30
  if
• 5:30
  you
• 5:31
  only
• 5:31
  do
• 5:31
  one
• 5:31
  thing
• 5:31
  this
• 5:32
  week,
• 5:32
  do
• 5:32
  that.
• 5:33
  Pay
• 5:33
  yourself
• 5:34
  peace
• 5:34
  first.
• 5:36
  Another
• 5:36
  way
• 5:37
  you
• 5:37
  can
• 5:37
  build
• 5:37
  Peace
• 5:37
  is
• 5:38
  at
• 5:38
  $100.
• 5:38
  No
• 5:39
  overdraft
• 5:39
  buffer.
• 5:40
  And
• 5:40
  I
• 5:40
  know
• 5:41
  this
• 5:41
  sounds
• 5:41
  small,
• 5:43
  but
• 5:43
  the
• 5:43
  goal
• 5:43
  is
• 5:43
  not
• 5:44
  to
• 5:44
  be
• 5:44
  rich
• 5:44
  overnight.
• 5:45
  The
• 5:45
  goal
• 5:46
  is
• 5:46
  to
• 5:46
  stop
• 5:46
  the
• 5:47
  bleeding.
• 5:48
  And
• 5:48
  listen,
• 5:49
  even
• 5:49
  if
• 5:49
  you
• 5:49
  put
• 5:49
  $25
• 5:50
  in
• 5:50
  a
• 5:50
  week,
• 5:50
  if
• 5:51
  that's
• 5:51
  all
• 5:51
  you
• 5:51
  can
• 5:51
  do,
• 5:52
  build
• 5:52
  that
• 5:53
  buffer.
• 5:54
  That
• 5:54
  buffer
• 5:54
  is
• 5:54
  your
• 5:55
  safety
• 5:55
  net.
• 5:55
  It's
• 5:56
  the
• 5:56
  space
• 5:56
  between
• 5:57
  you
• 5:57
  and
• 5:57
  chaos.
• 5:58
  And
• 5:59
  once
• 5:59
  you
• 5:59
  get
• 5:59
  to
• 5:59
  100,
• 6:00
  maybe
• 6:00
  work
• 6:00
  up
• 6:00
  to
• 6:00
  250.
• 6:02
  Buffers
• 6:02
  are
• 6:02
  good
• 6:03
  for
• 6:03
  you.
• 6:04
  And
• 6:04
  here's
• 6:05
  my
• 6:05
  final
• 6:05
  piece
• 6:05
  of
• 6:05
  advice,
• 6:06
  and
• 6:07
  I
• 6:07
  use
• 6:07
  this
• 6:07
  one
• 6:08
  myself.
• 6:09
  Use
• 6:09
  a
• 6:09
  safe
• 6:10
  to
• 6:10
  spend
• 6:10
  number
• 6:10
  every
• 6:11
  morning.
• 6:12
  Here's
• 6:13
  a
• 6:13
  simple
• 6:13
  habit
• 6:13
  you
• 6:13
  can
• 6:13
  do
• 6:14
  every
• 6:14
  day,
• 6:14
  every
• 6:15
  morning.
• 6:15
  Check
• 6:15
  one
• 6:16
  number.
• 6:17
  What
• 6:17
  is
• 6:18
  my
• 6:18
  safe
• 6:18
  to
• 6:18
  spend
• 6:19
  today
• 6:19
  number?
• 6:20
  It's
• 6:21
  pretty
• 6:21
  easy.
• 6:21
  To
• 6:21
  find
• 6:21
  it,
• 6:22
  go
• 6:22
  to
• 6:22
  your
• 6:22
  spending
• 6:23
  account
• 6:23
  balance
• 6:23
  minus
• 6:24
  what
• 6:24
  you
• 6:24
  still
• 6:24
  need
• 6:25
  for
• 6:25
  the
• 6:25
  week.
• 6:26
  Now,
• 6:26
  if
• 6:26
  you
• 6:26
  hate
• 6:26
  math.
• 6:27
  Now,
• 6:27
  I'm
• 6:27
  an
• 6:27
  accounting
• 6:27
  guy,
• 6:28
  I
• 6:28
  don't
• 6:28
  hate
• 6:28
  math.
• 6:28
  But
• 6:29
  here's
• 6:29
  a
• 6:29
  shortcut.
• 6:30
  Divide
• 6:31
  what's
• 6:31
  in
• 6:31
  your
• 6:31
  spending
• 6:32
  account
• 6:32
  by
• 6:32
  the
• 6:32
  number
• 6:32
  of
• 6:33
  days
• 6:33
  until
• 6:33
  your
• 6:33
  next
• 6:33
  payday.
• 6:35
  That's
• 6:35
  your
• 6:35
  daily
• 6:36
  limit.
• 6:36
  That's
• 6:37
  what
• 6:37
  you
• 6:37
  can
• 6:37
  spend
• 6:37
  today.
• 6:38
  Let's
• 6:38
  just
• 6:39
  say,
• 6:39
  for
• 6:39
  example,
• 6:39
  your
• 6:39
  day
• 6:40
  limit
• 6:40
  is
• 6:40
  $18.
• 6:42
  Well,
• 6:42
  you
• 6:42
  can't
• 6:42
  spend
• 6:42
  32.
• 6:44
  And
• 6:44
  it's
• 6:44
  not
• 6:45
  because
• 6:45
  you're
• 6:45
  punishing
• 6:45
  yourself,
• 6:46
  you're
• 6:46
  protecting
• 6:47
  yourself.
• 6:48
  Know
• 6:48
  what
• 6:49
  your
• 6:49
  daily
• 6:49
  limit
• 6:49
  is,
• 6:50
  and
• 6:50
  you
• 6:51
  have
• 6:51
  some
• 6:51
  clarity
• 6:52
  in
• 6:52
  this
• 6:53
  because
• 6:53
  I
• 6:54
  said
• 6:54
  at
• 6:54
  the
• 6:54
  beginning,
• 6:55
  a
• 6:55
  system
• 6:55
  gives
• 6:56
  you
• 6:56
  peace
• 6:56
  where
• 6:56
  willpower
• 6:57
  will
• 6:57
  fail.
• 6:58
  It's
• 6:59
  all
• 6:59
  about
• 6:59
  the
• 6:59
  systems.
• 7:01
  So
• 7:01
  here's
• 7:01
  your
• 7:01
  win
• 7:02
  for
• 7:02
  today.
• 7:02
  Simple
• 7:03
  today
• 7:03
  win.
• 7:04
  Set
• 7:04
  up
• 7:04
  one
• 7:05
  bank
• 7:05
  alert
• 7:05
  and
• 7:05
  one
• 7:06
  payday
• 7:06
  transfer.
• 7:07
  Just
• 7:07
  one
• 7:07
  alert.
• 7:08
  One
• 7:08
  transfer.
• 7:09
  And
• 7:10
  that
• 7:10
  single
• 7:10
  move
• 7:10
  can
• 7:11
  stop
• 7:11
  the
• 7:11
  next
• 7:11
  overdrive
• 7:12
  before
• 7:12
  it
• 7:13
  even
• 7:13
  happens.
• 7:15
  Let's
• 7:15
  get
• 7:15
  right
• 7:15
  to
• 7:16
  our
• 7:16
  Bible
• 7:16
  verse.
• 7:16
  Today
• 7:17
  comes
• 7:17
  us
• 7:18
  from
• 7:18
  the
• 7:18
  book
• 7:18
  of
• 7:19
  Proverbs,
• 7:20
  chapter
• 7:20
  27,
• 7:21
  verse
• 7:22
  23.
• 7:23
  And
• 7:24
  as
• 7:24
  a
• 7:24
  cattle
• 7:24
  rancher,
• 7:25
  yes,
• 7:25
  I
• 7:25
  raise
• 7:25
  cows
• 7:26
  here
• 7:26
  on
• 7:26
  the
• 7:26
  farm.
• 7:26
  I
• 7:27
  love
• 7:27
  this
• 7:27
  verse,
• 7:28
  Proverbs
• 7:29
  27,
• 7:29
  23.
• 7:31
  Be
• 7:31
  sure
• 7:31
  to
• 7:31
  know
• 7:31
  the
• 7:32
  condition
• 7:32
  of
• 7:32
  your
• 7:32
  flocks.
• 7:33
  Give
• 7:34
  careful
• 7:34
  attention
• 7:35
  to
• 7:35
  your
• 7:35
  herds.
• 7:37
  You're
• 7:37
  thinking,
• 7:37
  ralph,
• 7:38
  man,
• 7:38
  this
• 7:38
  is
• 7:38
  a
• 7:38
  stretch
• 7:39
  today.
• 7:40
  But
• 7:40
  it's
• 7:40
  not
• 7:41
  financial.
• 7:42
  Peace
• 7:42
  starts
• 7:43
  when
• 7:43
  you
• 7:43
  pay
• 7:43
  attention
• 7:43
  to
• 7:44
  what
• 7:44
  you
• 7:44
  have.
• 7:46
  And
• 7:46
  when
• 7:46
  you
• 7:46
  do
• 7:47
  that,
• 7:47
  you
• 7:47
  can
• 7:47
  steward
• 7:47
  it
• 7:48
  wisely
• 7:48
  instead
• 7:49
  of
• 7:49
  reacting
• 7:49
  in
• 7:50
  panic.
• 7:50
  That's
• 7:50
  really
• 7:50
  what
• 7:50
  we're
• 7:51
  talking
• 7:51
  about
• 7:51
  today.
• 7:52
  It's
• 7:52
  planning,
• 7:53
  reacting,
• 7:55
  not
• 7:55
  in
• 7:55
  panic.
• 7:56
  Let's
• 7:56
  pray
• 7:57
  for
• 7:57
  some
• 7:57
  guidance
• 7:57
  from
• 7:58
  God.
• 7:58
  Lord,
• 8:00
  right
• 8:00
  now
• 8:00
  I
• 8:00
  lift
• 8:00
  up
• 8:01
  my
• 8:01
  friend
• 8:01
  who
• 8:01
  feels
• 8:01
  exhausted
• 8:02
  and
• 8:02
  ashamed.
• 8:04
  You
• 8:04
  see
• 8:04
  the
• 8:05
  anxiety
• 8:05
  they
• 8:05
  carry
• 8:06
  every
• 8:06
  time
• 8:06
  they
• 8:06
  check
• 8:07
  their
• 8:07
  balance.
• 8:08
  And
• 8:08
  you
• 8:09
  see
• 8:09
  the
• 8:09
  fear
• 8:09
  and
• 8:10
  you
• 8:10
  see
• 8:10
  the
• 8:10
  frustration.
• 8:11
  And
• 8:11
  honestly,
• 8:11
  you
• 8:11
  see
• 8:12
  the
• 8:12
  embarrassment
• 8:12
  too.
• 8:13
  Lord,
• 8:14
  Lord,
• 8:14
  replace
• 8:15
  that
• 8:15
  shame
• 8:15
  with
• 8:16
  wisdom.
• 8:17
  Replace
• 8:17
  that
• 8:18
  panic
• 8:18
  with
• 8:18
  peace.
• 8:20
  And
• 8:20
  give
• 8:20
  them
• 8:20
  clarity
• 8:21
  to
• 8:21
  build
• 8:21
  a
• 8:21
  system,
• 8:22
  simple
• 8:23
  system
• 8:23
  this
• 8:23
  week.
• 8:24
  Help
• 8:25
  them
• 8:25
  take
• 8:25
  that
• 8:25
  one
• 8:25
  step
• 8:26
  today,
• 8:26
  just
• 8:26
  one
• 8:27
  alert,
• 8:27
  one
• 8:28
  transfer,
• 8:28
  one
• 8:29
  buffer
• 8:30
  so
• 8:30
  the
• 8:30
  bleeding
• 8:31
  stops.
• 8:33
  But
• 8:33
  bigger
• 8:33
  than
• 8:34
  all
• 8:34
  those
• 8:34
  things,
• 8:34
  Lord,
• 8:36
  remind
• 8:36
  all
• 8:37
  of
• 8:37
  us
• 8:38
  we're
• 8:39
  not
• 8:39
  a
• 8:39
  failure.
• 8:41
  We're
• 8:41
  learning,
• 8:42
  we're
• 8:43
  growing.
• 8:44
  And
• 8:45
  you
• 8:45
  are
• 8:45
  with
• 8:45
  us
• 8:45
  all
• 8:46
  on
• 8:46
  this
• 8:46
  journey.
• 8:48
  And
• 8:48
  we
• 8:48
  ask
• 8:48
  this
• 8:48
  in
• 8:49
  Jesus
• 8:49
  name,
• 8:50
  Amen.
• 8:53
  Friend,
• 8:53
  you
• 8:53
  don't
• 8:54
  need
• 8:54
  more
• 8:54
  pressure.
• 8:55
  There's
• 8:56
  plenty
• 8:56
  of
• 8:56
  pressure
• 8:56
  to
• 8:56
  go
• 8:56
  around
• 8:57
  on
• 8:57
  all
• 8:57
  of
• 8:57
  us.
• 8:58
  You
• 8:59
  need
• 8:59
  a
• 8:59
  plan.
• 9:00
  And
• 9:00
  I've
• 9:00
  given
• 9:01
  you
• 9:01
  a
• 9:01
  plan
• 9:01
  that
• 9:01
  you
• 9:01
  can
• 9:01
  start
• 9:02
  this
• 9:02
  very
• 9:02
  week.
• 9:03
  So
• 9:03
  why
• 9:03
  don't
• 9:03
  you
• 9:04
  do
• 9:04
  that?
• 9:05
  And
• 9:05
  if
• 9:05
  you've
• 9:06
  got
• 9:06
  a
• 9:06
  question
• 9:06
  for
• 9:06
  this
• 9:07
  show,
• 9:07
  I've
• 9:07
  said
• 9:08
  this
• 9:08
  so
• 9:08
  many
• 9:08
  times.
• 9:09
  Your
• 9:09
  questions
• 9:10
  actually
• 9:10
  fuel
• 9:10
  the
• 9:11
  show.
• 9:11
  We
• 9:11
  answer
• 9:12
  questions
• 9:12
  every
• 9:12
  day.
• 9:13
  I
• 9:13
  want
• 9:13
  to
• 9:13
  hear
• 9:13
  your
• 9:13
  question.
• 9:14
  You
• 9:15
  can
• 9:15
  give
• 9:15
  us
• 9:15
  a
• 9:15
  question
• 9:16
  by
• 9:16
  going
• 9:16
  to
• 9:16
  financiallyconfidentchristian.com/question
• 9:21
  we'll
• 9:21
  put
• 9:22
  a
• 9:22
  link
• 9:22
  right
• 9:22
  in
• 9:22
  the
• 9:22
  show
• 9:22
  notes
• 9:24
  Again,
• 9:24
  that's
• 9:24
  financiallyconfidentchristian.com/question
• 9:29
  thank
• 9:29
  you
• 9:30
  so
• 9:30
  much
• 9:30
  for
• 9:30
  joining
• 9:30
  me
• 9:31
  today.
• 9:32
  Stay
• 9:32
  financially
• 9:33
  savvy.
• 9:33
  May
• 9:33
  God
• 9:33
  bless
• 9:34
  you.
• 9:34
  And
• 9:35
  you
• 9:35
  have
• 9:35
  a
• 9:35
  wonderful
• 9:36
  day
• 9:36
  today.