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How Do I Stop Feeling Guilt When My Kids Ask for Money? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  said
• 0:38
  no
• 0:38
  to
• 0:38
  your
• 0:39
  child
• 0:39
  and
• 0:40
  instantly
• 0:40
  felt
• 0:40
  like
• 0:41
  you
• 0:41
  were
• 0:41
  failing
• 0:41
  them?
• 0:43
  Like
• 0:43
  love
• 0:43
  should
• 0:43
  mean
• 0:44
  saying
• 0:44
  yes
• 0:45
  even
• 0:45
  when
• 0:45
  your
• 0:45
  budget
• 0:46
  is
• 0:46
  saying
• 0:46
  no.
• 0:48
  If
• 0:48
  today
• 0:48
  you're
• 0:49
  carrying
• 0:49
  that
• 0:49
  tension
• 0:50
  between
• 0:50
  being
• 0:50
  a
• 0:50
  good
• 0:51
  parent
• 0:51
  and
• 0:51
  being
• 0:52
  financially
• 0:52
  wise,
• 0:53
  I'm
• 0:54
  going
• 0:54
  to
• 0:54
  bring
• 0:54
  you
• 0:54
  peace
• 0:55
  to
• 0:55
  that
• 0:55
  moment
• 0:55
  on
• 0:56
  today's
• 0:56
  show.
• 1:17
  Hello,
• 1:17
  friend.
• 1:17
  Ralph
• 1:18
  Estep
• 1:18
  Jr.
• 1:19
  Here.
• 1:19
  Welcome
• 1:20
  to
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian,
• 1:22
  where
• 1:22
  every
• 1:22
  day
• 1:23
  we're
• 1:23
  trying
• 1:23
  to
• 1:23
  break
• 1:23
  that
• 1:24
  cycle
• 1:24
  of
• 1:24
  financial
• 1:25
  shame
• 1:25
  and
• 1:26
  live
• 1:26
  in
• 1:27
  confidence.
• 1:28
  And
• 1:28
  today
• 1:29
  I
• 1:29
  want
• 1:29
  to
• 1:29
  talk
• 1:29
  about
• 1:29
  how
• 1:30
  to
• 1:30
  set
• 1:30
  loving
• 1:31
  financial
• 1:31
  boundaries
• 1:32
  with
• 1:32
  your
• 1:32
  children.
• 1:33
  I
• 1:33
  got
• 1:34
  this
• 1:34
  voicemail,
• 1:35
  and
• 1:35
  it
• 1:35
  just
• 1:36
  absolutely
• 1:36
  nailed
• 1:37
  today's
• 1:37
  topic.
• 1:38
  So
• 1:38
  let
• 1:38
  me
• 1:38
  play
• 1:38
  that
• 1:38
  now.
• 1:39
  Hey,
• 1:40
  Ralph.
• 1:41
  Hi.
• 1:42
  This
• 1:43
  is
• 1:43
  actually
• 1:43
  my
• 1:44
  first
• 1:44
  time
• 1:44
  calling
• 1:45
  in.
• 1:45
  I've
• 1:46
  been
• 1:46
  listening
• 1:46
  for
• 1:46
  a
• 1:46
  little
• 1:47
  while,
• 1:47
  and
• 1:47
  I
• 1:48
  really
• 1:48
  appreciate
• 1:49
  the
• 1:49
  show.
• 1:50
  I
• 1:50
  just
• 1:50
  wanted
• 1:51
  to
• 1:51
  ask
• 1:51
  you
• 1:51
  about
• 1:51
  something
• 1:52
  I've
• 1:52
  been
• 1:52
  dealing
• 1:53
  with
• 1:53
  lately.
• 1:54
  Whenever
• 1:54
  I
• 1:55
  have
• 1:55
  to
• 1:55
  say
• 1:55
  no
• 1:56
  to
• 1:56
  my
• 1:56
  kids
• 1:56
  about
• 1:57
  sports
• 1:57
  fees,
• 1:59
  I
• 1:59
  feel
• 1:59
  it
• 2:00
  right
• 2:00
  away,
• 2:01
  like
• 2:01
  this
• 2:01
  knot
• 2:02
  in
• 2:02
  my
• 2:02
  chest.
• 2:03
  I
• 2:03
  really
• 2:04
  do
• 2:04
  want
• 2:04
  to
• 2:05
  give
• 2:05
  them
• 2:05
  those
• 2:05
  opportunities,
• 2:06
  but
• 2:07
  I
• 2:07
  also
• 2:07
  know
• 2:08
  our
• 2:08
  finances
• 2:08
  aren't
• 2:09
  super
• 2:09
  flexible
• 2:09
  right
• 2:10
  now.
• 2:10
  And
• 2:11
  I
• 2:11
  keep
• 2:11
  going
• 2:11
  back
• 2:12
  and
• 2:12
  forth
• 2:12
  in
• 2:12
  my
• 2:13
  head,
• 2:13
  like,
• 2:14
  am
• 2:14
  I
• 2:14
  being
• 2:15
  responsible
• 2:16
  or
• 2:16
  am
• 2:16
  I
• 2:16
  holding
• 2:17
  them
• 2:17
  back?
• 2:18
  I
• 2:18
  don't
• 2:18
  want
• 2:18
  to
• 2:19
  make
• 2:19
  decisions
• 2:19
  out
• 2:19
  of
• 2:19
  guilt,
• 2:20
  but
• 2:20
  I
• 2:21
  also
• 2:21
  don't
• 2:21
  want
• 2:21
  to
• 2:22
  go
• 2:22
  too
• 2:22
  far
• 2:22
  the
• 2:22
  other
• 2:23
  way
• 2:23
  either.
• 2:24
  I
• 2:24
  just
• 2:24
  want
• 2:25
  to
• 2:25
  handle
• 2:25
  it
• 2:25
  in
• 2:25
  a
• 2:25
  way
• 2:26
  that's
• 2:26
  steady
• 2:27
  and
• 2:27
  still
• 2:27
  feels
• 2:28
  loving.
• 2:29
  So
• 2:30
  I
• 2:30
  guess
• 2:30
  I'm
• 2:30
  just
• 2:30
  wondering,
• 2:31
  how
• 2:32
  do
• 2:32
  you
• 2:32
  say
• 2:32
  no
• 2:33
  in
• 2:33
  those
• 2:33
  moments
• 2:34
  and
• 2:34
  still
• 2:34
  feel
• 2:35
  confident
• 2:35
  you're
• 2:36
  doing
• 2:36
  the
• 2:36
  right
• 2:36
  thing?
• 2:38
  Thanks,
• 2:38
  Ralph.
• 2:39
  I
• 2:39
  appreciate
• 2:39
  it.
• 2:40
  Well,
• 2:41
  listen,
• 2:41
  I
• 2:41
  appreciate
• 2:41
  you
• 2:42
  sending
• 2:42
  in
• 2:42
  that
• 2:42
  voicemail
• 2:43
  call.
• 2:43
  And
• 2:43
  if
• 2:43
  you're
• 2:44
  interested
• 2:44
  in
• 2:44
  joining
• 2:45
  the
• 2:45
  voicemail,
• 2:45
  you
• 2:46
  can
• 2:46
  go
• 2:46
  right
• 2:46
  to
• 2:46
  financiallyconfidentchristian.com
• 2:50
  voicemail
• 2:50
  and
• 2:50
  we'll
• 2:51
  put
• 2:51
  a
• 2:51
  link
• 2:51
  in
• 2:51
  the
• 2:51
  show
• 2:51
  notes.
• 2:52
  But
• 2:52
  thank
• 2:52
  you
• 2:52
  for
• 2:53
  sharing
• 2:53
  that.
• 2:53
  And
• 2:53
  that
• 2:54
  feeling
• 2:54
  right
• 2:54
  there,
• 2:56
  I
• 2:56
  know
• 2:56
  that
• 2:56
  knot
• 2:56
  in
• 2:57
  your
• 2:57
  chest
• 2:58
  felt
• 2:58
  that
• 2:58
  so
• 2:59
  many
• 2:59
  times.
• 2:59
  As
• 2:59
  a
• 2:59
  parent,
• 3:00
  what
• 3:01
  you're
• 3:01
  feeling
• 3:01
  is
• 3:02
  love.
• 3:03
  What
• 3:03
  you're
• 3:04
  feeling.
• 3:04
  There
• 3:04
  is
• 3:04
  a
• 3:04
  parent
• 3:05
  who
• 3:05
  cares.
• 3:07
  But
• 3:07
  I
• 3:07
  want
• 3:07
  to
• 3:07
  shift
• 3:08
  something
• 3:08
  for
• 3:08
  you.
• 3:09
  Saying
• 3:10
  no
• 3:10
  to
• 3:10
  your
• 3:10
  children
• 3:11
  doesn't
• 3:11
  mean
• 3:12
  you're
• 3:12
  failing
• 3:12
  your
• 3:13
  child.
• 3:14
  So
• 3:14
  many
• 3:14
  of
• 3:15
  us
• 3:15
  have
• 3:15
  believed
• 3:15
  in
• 3:16
  this
• 3:16
  system
• 3:16
  where,
• 3:17
  you
• 3:17
  know,
• 3:17
  if
• 3:17
  I
• 3:18
  say
• 3:18
  no,
• 3:18
  I'm
• 3:18
  letting
• 3:18
  them
• 3:19
  down.
• 3:20
  I
• 3:20
  want
• 3:20
  you
• 3:20
  to
• 3:21
  flip
• 3:21
  that
• 3:21
  script
• 3:21
  right
• 3:22
  now
• 3:22
  because
• 3:22
  sometimes
• 3:22
  it
• 3:23
  means
• 3:23
  you're
• 3:23
  leading
• 3:23
  them.
• 3:25
  And
• 3:25
  honestly,
• 3:25
  sometimes
• 3:26
  the
• 3:26
  word
• 3:26
  no
• 3:26
  is
• 3:27
  the
• 3:27
  biggest
• 3:27
  gift
• 3:28
  that
• 3:28
  you
• 3:28
  can
• 3:28
  ever
• 3:28
  give
• 3:29
  them.
• 3:30
  So
• 3:31
  here's
• 3:31
  the
• 3:31
  big
• 3:31
  idea
• 3:31
  for
• 3:32
  today.
• 3:33
  Those
• 3:33
  loving
• 3:34
  boundaries
• 3:34
  that
• 3:34
  we
• 3:34
  need
• 3:35
  to
• 3:35
  set.
• 3:35
  You
• 3:36
  heard
• 3:36
  me
• 3:36
  say
• 3:36
  it.
• 3:36
  We
• 3:36
  need
• 3:37
  to
• 3:37
  set.
• 3:38
  They
• 3:38
  don't
• 3:39
  limit
• 3:39
  your
• 3:39
  children.
• 3:40
  They
• 3:40
  prepare
• 3:41
  them
• 3:41
  for
• 3:42
  real
• 3:42
  life.
• 3:44
  Let's
• 3:44
  talk
• 3:44
  about
• 3:45
  how
• 3:45
  to
• 3:45
  do
• 3:45
  this,
• 3:45
  because
• 3:45
  this
• 3:46
  is
• 3:46
  not
• 3:46
  easy.
• 3:47
  This
• 3:47
  is
• 3:47
  a
• 3:47
  very
• 3:48
  tough
• 3:48
  call
• 3:49
  today.
• 3:50
  We
• 3:50
  got
• 3:50
  to
• 3:51
  start
• 3:51
  by
• 3:51
  redefining
• 3:52
  what
• 3:52
  it
• 3:52
  means
• 3:52
  to
• 3:52
  provide.
• 3:54
  So
• 3:55
  many
• 3:55
  of
• 3:55
  us
• 3:55
  think
• 3:56
  good
• 3:56
  parents
• 3:57
  say
• 3:57
  yes.
• 3:58
  Good
• 3:58
  parents
• 3:58
  provide
• 3:59
  every
• 3:59
  opportunity
• 4:00
  for
• 4:00
  their
• 4:01
  kids.
• 4:02
  I
• 4:02
  can't
• 4:02
  even
• 4:02
  count
• 4:03
  how
• 4:03
  many
• 4:03
  times
• 4:04
  my
• 4:04
  kids
• 4:04
  have
• 4:05
  thrown
• 4:05
  that
• 4:05
  in
• 4:06
  my
• 4:06
  face.
• 4:07
  Well,
• 4:07
  if
• 4:07
  you
• 4:08
  were
• 4:08
  a
• 4:08
  good
• 4:08
  parent,
• 4:09
  dad,
• 4:09
  you
• 4:09
  would
• 4:10
  do
• 4:10
  this.
• 4:10
  If
• 4:11
  you
• 4:11
  were
• 4:11
  a
• 4:11
  good
• 4:11
  parent,
• 4:12
  you
• 4:12
  would
• 4:12
  buy
• 4:12
  this.
• 4:14
  But
• 4:15
  real
• 4:15
  provision,
• 4:17
  deeper
• 4:17
  than
• 4:18
  that.
• 4:19
  Real
• 4:20
  provision
• 4:20
  is
• 4:21
  stability,
• 4:23
  consistency,
• 4:25
  wisdom,
• 4:26
  security.
• 4:29
  Those
• 4:29
  aren't
• 4:29
  things
• 4:30
  you
• 4:30
  can
• 4:30
  buy.
• 4:32
  Those
• 4:32
  are
• 4:32
  things
• 4:32
  you
• 4:33
  have
• 4:33
  to
• 4:33
  provide
• 4:33
  from
• 4:33
  here,
• 4:34
  from
• 4:34
  your
• 4:34
  heart.
• 4:36
  You're
• 4:36
  not
• 4:36
  just
• 4:36
  providing
• 4:37
  experiences.
• 4:38
  You're
• 4:38
  providing
• 4:39
  a
• 4:39
  foundation.
• 4:39
  We
• 4:40
  talked
• 4:40
  about
• 4:40
  that
• 4:40
  a
• 4:41
  lot
• 4:41
  on
• 4:41
  the
• 4:41
  show
• 4:41
  the
• 4:41
  last
• 4:42
  few
• 4:42
  days.
• 4:43
  It's
• 4:43
  all
• 4:44
  about
• 4:44
  building
• 4:44
  that
• 4:45
  foundation.
• 4:47
  But
• 4:47
  you're
• 4:47
  still
• 4:47
  feeling
• 4:48
  that
• 4:48
  guilt,
• 4:48
  aren't
• 4:49
  you?
• 4:50
  So
• 4:50
  you've
• 4:50
  got
• 4:50
  to
• 4:50
  start
• 4:51
  to
• 4:51
  separate
• 4:51
  your
• 4:51
  child's
• 4:52
  feelings
• 4:52
  from
• 4:53
  your
• 4:53
  responsibility.
• 4:55
  Guess
• 4:55
  what?
• 4:56
  Your
• 4:56
  child
• 4:56
  may
• 4:56
  feel
• 4:56
  disappointed.
• 4:58
  That's
• 4:58
  real.
• 4:59
  If
• 4:59
  you
• 4:59
  were
• 5:00
  to
• 5:00
  ask
• 5:00
  my
• 5:00
  two
• 5:00
  boys,
• 5:01
  I
• 5:02
  guarantee
• 5:02
  they
• 5:02
  would
• 5:02
  tell
• 5:03
  you
• 5:03
  that
• 5:03
  they
• 5:03
  felt
• 5:04
  disappointed
• 5:04
  all
• 5:04
  the
• 5:05
  time
• 5:05
  when
• 5:05
  they
• 5:05
  were
• 5:05
  kids.
• 5:07
  Oh,
• 5:07
  we
• 5:07
  wish
• 5:07
  we
• 5:08
  had
• 5:08
  that
• 5:08
  latest
• 5:08
  Xbox
• 5:09
  or
• 5:09
  I'm
• 5:10
  dating
• 5:10
  myself.
• 5:10
  Can't
• 5:11
  remember
• 5:11
  what
• 5:11
  the
• 5:11
  big
• 5:11
  things
• 5:11
  were
• 5:12
  back
• 5:12
  then.
• 5:13
  But
• 5:13
  even
• 5:14
  in
• 5:14
  that
• 5:14
  disappointment,
• 5:15
  that
• 5:15
  doesn't
• 5:16
  mean
• 5:16
  you
• 5:16
  made
• 5:16
  the
• 5:16
  wrong
• 5:17
  decision
• 5:17
  as
• 5:17
  a
• 5:18
  parent.
• 5:19
  Hey,
• 5:20
  as
• 5:20
  a
• 5:20
  parent,
• 5:22
  you're
• 5:22
  responsible
• 5:23
  for
• 5:23
  making
• 5:23
  wise
• 5:24
  decisions.
• 5:26
  You're
• 5:26
  not
• 5:26
  responsible
• 5:27
  for
• 5:27
  moving.
• 5:28
  Every
• 5:28
  moment
• 5:28
  of
• 5:29
  discomfort.
• 5:31
  And
• 5:31
  learning
• 5:31
  to
• 5:32
  hear
• 5:32
  no
• 5:33
  is
• 5:34
  part
• 5:34
  of
• 5:34
  growing.
• 5:35
  Okay,
• 5:36
  Ralph
• 5:36
  Rain
• 5:37
  here
• 5:37
  for
• 5:37
  a
• 5:37
  second.
• 5:38
  We
• 5:39
  live
• 5:39
  in
• 5:39
  a
• 5:39
  world
• 5:39
  where
• 5:40
  children
• 5:40
  are
• 5:40
  told
• 5:41
  yes
• 5:41
  way
• 5:41
  too
• 5:42
  many
• 5:42
  times.
• 5:43
  Yes
• 5:44
  to
• 5:44
  this,
• 5:44
  yes
• 5:44
  to
• 5:44
  this,
• 5:45
  yes
• 5:45
  to
• 5:45
  this.
• 5:46
  The
• 5:47
  reality
• 5:47
  of
• 5:47
  our
• 5:48
  world
• 5:48
  is
• 5:48
  that
• 5:48
  resources
• 5:49
  are
• 5:50
  finite.
• 5:52
  There's
• 5:52
  only
• 5:53
  so
• 5:53
  much
• 5:53
  to
• 5:53
  go
• 5:53
  around.
• 5:55
  And
• 5:55
  we've
• 5:55
  got
• 5:55
  to
• 5:56
  show
• 5:56
  our
• 5:56
  kids
• 5:56
  that
• 5:56
  there
• 5:56
  are
• 5:57
  times
• 5:57
  when
• 5:57
  we
• 5:57
  will
• 5:57
  tell
• 5:57
  them
• 5:58
  no.
• 6:00
  Because
• 6:01
  there
• 6:01
  are
• 6:01
  times
• 6:01
  in
• 6:02
  their
• 6:02
  own
• 6:02
  life
• 6:04
  where
• 6:04
  they're
• 6:04
  going
• 6:04
  to
• 6:04
  have
• 6:04
  to
• 6:05
  say
• 6:05
  no
• 6:05
  to
• 6:06
  something.
• 6:07
  We
• 6:08
  live
• 6:08
  in
• 6:08
  this
• 6:08
  echo
• 6:09
  chamber
• 6:09
  of
• 6:09
  yes.
• 6:10
  But
• 6:10
  the
• 6:10
  truth,
• 6:11
  the
• 6:11
  reality,
• 6:12
  is
• 6:12
  on
• 6:12
  the
• 6:12
  ground.
• 6:13
  Your
• 6:14
  kids
• 6:14
  need
• 6:14
  to
• 6:14
  hear
• 6:15
  the
• 6:15
  word
• 6:15
  no.
• 6:17
  But
• 6:17
  when
• 6:17
  you
• 6:18
  communicate
• 6:18
  that,
• 6:19
  communicate
• 6:19
  it
• 6:19
  with
• 6:19
  honesty
• 6:20
  and
• 6:20
  love.
• 6:22
  You
• 6:22
  don't
• 6:22
  have
• 6:22
  to
• 6:22
  hide
• 6:23
  behind
• 6:23
  vague
• 6:23
  answers.
• 6:25
  You
• 6:25
  can
• 6:25
  be
• 6:25
  very
• 6:26
  specific
• 6:26
  with
• 6:26
  your
• 6:26
  kids.
• 6:27
  You
• 6:27
  can
• 6:27
  say
• 6:27
  things
• 6:28
  like
• 6:28
  this.
• 6:28
  I
• 6:29
  would
• 6:29
  love
• 6:29
  to
• 6:29
  do
• 6:29
  that,
• 6:30
  but
• 6:30
  it's
• 6:30
  not
• 6:30
  something
• 6:31
  that
• 6:31
  we
• 6:31
  can
• 6:31
  afford
• 6:32
  right
• 6:32
  now.
• 6:33
  That's
• 6:33
  perfectly
• 6:34
  acceptable
• 6:34
  to
• 6:34
  say
• 6:34
  that
• 6:34
  to
• 6:35
  your
• 6:35
  kids.
• 6:35
  That's
• 6:36
  not
• 6:36
  letting
• 6:36
  them
• 6:36
  down.
• 6:37
  That's
• 6:37
  not
• 6:38
  being
• 6:38
  wrong
• 6:38
  about
• 6:39
  it.
• 6:39
  Maybe
• 6:40
  you
• 6:40
  say
• 6:40
  things
• 6:40
  like,
• 6:41
  we're
• 6:41
  making
• 6:41
  choices
• 6:42
  as
• 6:42
  A
• 6:42
  family
• 6:42
  to
• 6:42
  stay
• 6:43
  strong
• 6:43
  financially.
• 6:44
  But
• 6:45
  here's
• 6:45
  my
• 6:45
  admonition
• 6:46
  to
• 6:46
  this.
• 6:47
  Just
• 6:47
  be
• 6:47
  careful
• 6:47
  with
• 6:48
  this,
• 6:48
  because
• 6:48
  you
• 6:49
  can
• 6:49
  take
• 6:49
  this
• 6:49
  to
• 6:49
  an
• 6:50
  extreme
• 6:50
  and
• 6:50
  put
• 6:51
  a
• 6:51
  lot
• 6:51
  of
• 6:51
  stress
• 6:51
  on
• 6:52
  your
• 6:52
  kids.
• 6:53
  I
• 6:53
  know
• 6:53
  a
• 6:54
  lot
• 6:54
  of
• 6:54
  parents,
• 6:55
  and
• 6:55
  unfortunately,
• 6:55
  my
• 6:56
  mother
• 6:56
  was
• 6:56
  like
• 6:56
  this.
• 6:57
  She
• 6:57
  put
• 6:57
  this
• 6:58
  financial
• 6:58
  stress
• 6:59
  on
• 6:59
  me,
• 6:59
  something
• 6:59
  I
• 7:00
  had
• 7:00
  no
• 7:00
  ability
• 7:01
  to
• 7:01
  control
• 7:01
  whatsoever.
• 7:03
  So
• 7:03
  think
• 7:03
  about
• 7:04
  the
• 7:04
  way
• 7:04
  you're
• 7:04
  communicating
• 7:05
  this.
• 7:05
  You're
• 7:05
  not
• 7:05
  shutting
• 7:06
  them
• 7:06
  down.
• 7:06
  You're
• 7:06
  not
• 7:06
  telling
• 7:07
  them,
• 7:07
  oh,
• 7:07
  no,
• 7:07
  that's
• 7:07
  a
• 7:07
  never.
• 7:09
  You're
• 7:09
  inviting
• 7:09
  them
• 7:09
  to
• 7:10
  have
• 7:10
  a
• 7:10
  better
• 7:10
  understanding
• 7:11
  of
• 7:11
  what
• 7:11
  you're
• 7:12
  doing.
• 7:12
  And
• 7:12
  guess
• 7:12
  what?
• 7:13
  That's
• 7:13
  where
• 7:13
  you
• 7:13
  teach
• 7:14
  your
• 7:14
  children
• 7:14
  how
• 7:15
  to
• 7:15
  make
• 7:15
  wise
• 7:15
  decisions.
• 7:16
  When
• 7:16
  you
• 7:16
  share
• 7:17
  with
• 7:17
  them
• 7:17
  the
• 7:18
  thought
• 7:18
  process.
• 7:18
  When
• 7:19
  you
• 7:19
  share
• 7:19
  with
• 7:19
  them
• 7:20
  the
• 7:20
  understanding,
• 7:21
  One
• 7:22
  of
• 7:22
  the
• 7:22
  best
• 7:22
  ways
• 7:22
  you
• 7:23
  can
• 7:23
  do
• 7:23
  that
• 7:23
  is
• 7:23
  to
• 7:24
  offer
• 7:24
  alternatives
• 7:25
  when
• 7:25
  it's
• 7:26
  possible.
• 7:27
  Sometimes
• 7:27
  you
• 7:27
  don't
• 7:28
  have
• 7:28
  to
• 7:28
  say
• 7:28
  no
• 7:28
  completely.
• 7:29
  It
• 7:29
  could
• 7:29
  be
• 7:30
  a
• 7:30
  different
• 7:30
  yes.
• 7:31
  I
• 7:31
  want
• 7:31
  to
• 7:31
  give
• 7:32
  you
• 7:32
  some
• 7:32
  ideas
• 7:32
  because
• 7:32
  we've
• 7:33
  got
• 7:33
  to
• 7:33
  teach
• 7:33
  our
• 7:34
  kids
• 7:34
  how
• 7:34
  to
• 7:34
  pivot.
• 7:35
  Let's
• 7:35
  say
• 7:35
  you're
• 7:35
  at
• 7:36
  the
• 7:36
  toy
• 7:36
  store.
• 7:37
  Been
• 7:37
  there,
• 7:37
  done
• 7:38
  that.
• 7:39
  Instead
• 7:39
  of
• 7:39
  saying
• 7:39
  to
• 7:40
  your
• 7:40
  kids,
• 7:40
  no,
• 7:40
  we're
• 7:41
  not
• 7:41
  buying
• 7:41
  that,
• 7:42
  maybe
• 7:43
  say
• 7:43
  this,
• 7:43
  not
• 7:43
  today,
• 7:44
  but
• 7:45
  if
• 7:45
  you
• 7:45
  really
• 7:45
  want
• 7:45
  that
• 7:46
  toy,
• 7:46
  let's
• 7:47
  start
• 7:47
  a
• 7:47
  savings
• 7:47
  plan
• 7:48
  for
• 7:48
  it.
• 7:49
  You're
• 7:49
  not
• 7:49
  saying
• 7:49
  no,
• 7:50
  you're
• 7:50
  saying
• 7:50
  to,
• 7:50
  look,
• 7:50
  here's
• 7:51
  an
• 7:51
  idea.
• 7:51
  You
• 7:51
  really
• 7:51
  want
• 7:51
  this
• 7:52
  toy?
• 7:52
  Cool.
• 7:52
  Let
• 7:53
  me
• 7:53
  help
• 7:53
  you
• 7:53
  figure
• 7:53
  out
• 7:54
  how
• 7:54
  you
• 7:54
  can
• 7:54
  set
• 7:54
  aside
• 7:55
  some
• 7:55
  of
• 7:55
  your
• 7:55
  allowance
• 7:56
  money.
• 7:56
  Or
• 7:56
  maybe
• 7:56
  you're
• 7:57
  working,
• 7:57
  cutting
• 7:57
  grass
• 7:58
  or
• 7:58
  whatever
• 7:58
  that
• 7:58
  is.
• 7:59
  How
• 7:59
  do
• 7:59
  you
• 7:59
  build
• 7:59
  that?
• 8:01
  Maybe
• 8:01
  they're
• 8:01
  always
• 8:01
  asking
• 8:02
  for
• 8:02
  fast
• 8:02
  food
• 8:03
  or
• 8:03
  treats.
• 8:05
  It's
• 8:05
  easy
• 8:05
  to
• 8:05
  go
• 8:06
  into
• 8:06
  default
• 8:06
  mode
• 8:06
  and
• 8:06
  say,
• 8:06
  no,
• 8:07
  we're
• 8:07
  not
• 8:07
  getting
• 8:07
  that.
• 8:08
  But
• 8:09
  maybe
• 8:09
  you
• 8:09
  say
• 8:09
  this,
• 8:09
  we're
• 8:10
  not
• 8:10
  doing
• 8:10
  that
• 8:10
  today,
• 8:10
  but
• 8:11
  we
• 8:11
  can
• 8:11
  make
• 8:11
  something
• 8:11
  fun
• 8:12
  at
• 8:12
  home
• 8:12
  together.
• 8:14
  Teach
• 8:14
  kids
• 8:15
  that
• 8:15
  creativity
• 8:16
  over
• 8:16
  that
• 8:16
  impulsiveness.
• 8:18
  Here's
• 8:19
  one
• 8:19
  that
• 8:19
  you're
• 8:19
  going
• 8:19
  to
• 8:19
  battle.
• 8:20
  I
• 8:20
  battled
• 8:20
  this
• 8:20
  with
• 8:21
  my
• 8:21
  kids
• 8:21
  all
• 8:21
  the
• 8:21
  times
• 8:22
  wanting
• 8:22
  something
• 8:23
  their
• 8:23
  friend
• 8:23
  has.
• 8:24
  How
• 8:25
  many
• 8:25
  times
• 8:25
  have
• 8:25
  we
• 8:25
  heard
• 8:26
  that
• 8:26
  one?
• 8:26
  Well,
• 8:26
  Sally
• 8:27
  has
• 8:27
  this,
• 8:28
  my
• 8:28
  friend
• 8:28
  Jim
• 8:29
  has
• 8:29
  this.
• 8:30
  And
• 8:30
  it's
• 8:31
  so
• 8:31
  easy
• 8:31
  for
• 8:31
  us
• 8:31
  to
• 8:31
  go
• 8:32
  to
• 8:32
  our
• 8:33
  default
• 8:33
  of,
• 8:34
  you
• 8:34
  don't
• 8:34
  need
• 8:34
  that,
• 8:36
  but
• 8:36
  that's
• 8:36
  not
• 8:36
  going
• 8:37
  to
• 8:37
  teach
• 8:37
  them
• 8:37
  anything.
• 8:39
  Say
• 8:39
  this
• 8:39
  to
• 8:40
  them
• 8:40
  instead.
• 8:40
  I
• 8:41
  get
• 8:41
  why
• 8:41
  you
• 8:41
  want
• 8:42
  that.
• 8:43
  Let's
• 8:43
  talk
• 8:43
  about
• 8:43
  whether
• 8:44
  that's
• 8:44
  something
• 8:44
  you
• 8:44
  really
• 8:45
  want
• 8:45
  long
• 8:45
  term
• 8:46
  or
• 8:46
  you're
• 8:46
  just
• 8:47
  trying
• 8:47
  to
• 8:47
  fit
• 8:47
  in
• 8:47
  right
• 8:48
  now.
• 8:49
  Maybe
• 8:50
  you've
• 8:50
  got
• 8:50
  a
• 8:50
  big
• 8:50
  birthday
• 8:51
  or
• 8:51
  a
• 8:51
  holiday
• 8:51
  request.
• 8:52
  My
• 8:52
  youngest
• 8:52
  son
• 8:52
  was
• 8:53
  great
• 8:53
  at
• 8:53
  this.
• 8:53
  He
• 8:54
  would
• 8:54
  give
• 8:54
  us
• 8:54
  his
• 8:55
  list
• 8:55
  for
• 8:55
  Christmas
• 8:56
  stuff
• 8:56
  that
• 8:56
  was
• 8:56
  a
• 8:57
  mile
• 8:57
  long.
• 8:58
  And
• 8:59
  so
• 8:59
  many
• 8:59
  times
• 8:59
  we
• 8:59
  would
• 9:00
  just
• 9:00
  Say
• 9:00
  to
• 9:00
  them,
• 9:00
  look,
• 9:00
  dude,
• 9:01
  that's
• 9:01
  too
• 9:01
  expensive.
• 9:03
  But
• 9:03
  maybe
• 9:03
  the
• 9:03
  better
• 9:04
  teaching
• 9:04
  moment
• 9:04
  is
• 9:04
  say
• 9:05
  something
• 9:05
  like,
• 9:05
  that's
• 9:06
  a
• 9:06
  big
• 9:06
  item.
• 9:07
  So
• 9:07
  if
• 9:07
  it's
• 9:07
  important
• 9:08
  to
• 9:08
  you,
• 9:08
  we
• 9:08
  can
• 9:08
  make
• 9:09
  that
• 9:09
  your
• 9:09
  main
• 9:09
  gift
• 9:10
  and
• 9:10
  we
• 9:10
  can
• 9:10
  plan
• 9:10
  ahead
• 9:11
  for
• 9:11
  that.
• 9:12
  Because
• 9:12
  then
• 9:12
  you're
• 9:13
  teaching
• 9:13
  them
• 9:13
  prioritization
• 9:14
  and
• 9:14
  trade
• 9:15
  off.
• 9:17
  Maybe
• 9:17
  you've
• 9:17
  got
• 9:18
  a
• 9:18
  child
• 9:18
  that
• 9:18
  wants
• 9:18
  money
• 9:19
  for
• 9:19
  something
• 9:19
  right
• 9:20
  now,
• 9:22
  and
• 9:22
  sometimes
• 9:23
  it's
• 9:23
  easy
• 9:23
  to
• 9:23
  get
• 9:23
  in
• 9:23
  our
• 9:24
  pockets.
• 9:24
  Just
• 9:24
  say,
• 9:24
  here,
• 9:25
  I'll
• 9:25
  be
• 9:25
  done
• 9:25
  with
• 9:25
  it.
• 9:25
  Get
• 9:26
  away
• 9:26
  from
• 9:26
  me.
• 9:26
  I
• 9:26
  can't
• 9:26
  figure
• 9:26
  this
• 9:27
  out.
• 9:28
  But
• 9:28
  that's
• 9:29
  not
• 9:29
  a
• 9:29
  good
• 9:29
  teaching
• 9:29
  moment
• 9:30
  either.
• 9:31
  Maybe
• 9:32
  you
• 9:32
  say
• 9:32
  to
• 9:32
  them,
• 9:32
  I'm
• 9:33
  not
• 9:33
  just
• 9:33
  going
• 9:33
  to
• 9:33
  hand
• 9:33
  it
• 9:33
  to
• 9:33
  you,
• 9:34
  but
• 9:34
  I
• 9:34
  help
• 9:35
  you
• 9:35
  figure
• 9:35
  out
• 9:35
  how
• 9:35
  to
• 9:35
  earn
• 9:35
  it.
• 9:36
  That'll
• 9:36
  turn
• 9:37
  the
• 9:37
  tables
• 9:37
  really
• 9:37
  quickly.
• 9:39
  Maybe
• 9:40
  you've
• 9:40
  got
• 9:40
  a
• 9:40
  kid
• 9:40
  with
• 9:40
  too
• 9:41
  many
• 9:41
  activities.
• 9:41
  You
• 9:41
  mentioned
• 9:42
  this.
• 9:42
  Sports
• 9:42
  fees.
• 9:44
  Sports
• 9:44
  fees
• 9:45
  are
• 9:45
  driving
• 9:45
  parents
• 9:45
  crazy
• 9:46
  right
• 9:46
  now.
• 9:47
  I
• 9:47
  see
• 9:47
  kids
• 9:48
  running
• 9:48
  themselves
• 9:48
  ragged
• 9:49
  and
• 9:49
  the
• 9:49
  parents
• 9:49
  are
• 9:49
  like
• 9:50
  Uber
• 9:51
  drivers.
• 9:53
  So
• 9:53
  instead
• 9:53
  of
• 9:53
  saying
• 9:53
  to
• 9:53
  your
• 9:54
  kids,
• 9:54
  no,
• 9:54
  you
• 9:54
  can't
• 9:54
  do
• 9:54
  that,
• 9:55
  maybe
• 9:56
  say
• 9:56
  to
• 9:56
  your
• 9:56
  kids,
• 9:56
  look,
• 9:56
  you
• 9:57
  got
• 9:57
  a
• 9:57
  lot
• 9:57
  going
• 9:57
  on
• 9:57
  right
• 9:58
  now.
• 9:59
  If
• 9:59
  you
• 9:59
  want
• 9:59
  to
• 9:59
  add
• 9:59
  this,
• 10:00
  what
• 10:00
  are
• 10:00
  you
• 10:00
  willing
• 10:00
  to
• 10:00
  give
• 10:01
  up?
• 10:02
  I
• 10:02
  know
• 10:02
  when
• 10:02
  I
• 10:03
  was
• 10:03
  a
• 10:03
  kid,
• 10:03
  I
• 10:03
  played
• 10:04
  a
• 10:04
  sport
• 10:05
  in
• 10:05
  every
• 10:05
  season,
• 10:06
  but
• 10:07
  I
• 10:07
  didn't
• 10:07
  play
• 10:07
  seven
• 10:07
  of
• 10:08
  them.
• 10:09
  Here's
• 10:09
  another
• 10:10
  big
• 10:10
  one.
• 10:10
  Screen
• 10:10
  time.
• 10:12
  A
• 10:12
  lot
• 10:12
  of
• 10:12
  parents
• 10:12
  just
• 10:13
  say,
• 10:13
  oh,
• 10:13
  no
• 10:13
  more
• 10:13
  games.
• 10:15
  You're
• 10:15
  not
• 10:16
  teaching
• 10:16
  them
• 10:16
  anything.
• 10:18
  Or
• 10:18
  maybe
• 10:18
  you
• 10:18
  want
• 10:18
  some
• 10:19
  new
• 10:19
  game
• 10:19
  purchase.
• 10:19
  We're
• 10:20
  not
• 10:20
  buying
• 10:20
  that
• 10:20
  today,
• 10:21
  but
• 10:21
  you
• 10:21
  can
• 10:21
  use
• 10:21
  your
• 10:22
  allowance
• 10:22
  if
• 10:22
  you
• 10:22
  decide
• 10:23
  what
• 10:23
  it's
• 10:23
  worth.
• 10:23
  You
• 10:23
  want
• 10:23
  to
• 10:23
  change
• 10:24
  the
• 10:24
  dynamic
• 10:24
  with
• 10:24
  your
• 10:25
  child?
• 10:25
  Make
• 10:25
  them
• 10:25
  spend
• 10:26
  their
• 10:26
  own
• 10:26
  money
• 10:26
  that
• 10:26
  they
• 10:27
  worked
• 10:27
  hard
• 10:27
  to
• 10:27
  get
• 10:27
  to.
• 10:29
  Here's
• 10:30
  a
• 10:30
  big
• 10:30
  takeaway
• 10:30
  from
• 10:30
  this.
• 10:32
  With
• 10:32
  your
• 10:32
  kids,
• 10:33
  it's
• 10:33
  not
• 10:33
  just
• 10:33
  about
• 10:34
  saying
• 10:34
  no.
• 10:34
  Saying
• 10:35
  no
• 10:35
  is
• 10:35
  easy.
• 10:36
  That's
• 10:36
  the
• 10:36
  easy
• 10:37
  part.
• 10:37
  It's
• 10:37
  about
• 10:38
  showing
• 10:38
  them
• 10:38
  there's
• 10:39
  a
• 10:39
  wise
• 10:39
  yes
• 10:40
  in
• 10:40
  that.
• 10:43
  So
• 10:43
  every
• 10:43
  time
• 10:44
  you
• 10:44
  say
• 10:44
  not
• 10:45
  right
• 10:45
  now,
• 10:46
  it's
• 10:46
  a
• 10:46
  chance
• 10:47
  to
• 10:47
  teach
• 10:47
  them
• 10:47
  how
• 10:48
  to
• 10:48
  think,
• 10:48
  not
• 10:49
  just
• 10:49
  what
• 10:49
  to
• 10:49
  do.
• 10:50
  But
• 10:51
  I
• 10:51
  want
• 10:51
  to
• 10:51
  get
• 10:51
  back
• 10:51
  to
• 10:51
  your
• 10:52
  question.
• 10:53
  You
• 10:53
  got
• 10:54
  to
• 10:54
  release
• 10:54
  that
• 10:54
  guilt
• 10:55
  and
• 10:55
  you
• 10:55
  got
• 10:55
  to
• 10:56
  embrace
• 10:56
  the
• 10:56
  role
• 10:56
  God
• 10:57
  gave
• 10:57
  you.
• 10:58
  So
• 10:58
  let's
• 10:58
  talk
• 10:59
  about
• 10:59
  your
• 10:59
  heart,
• 11:00
  because
• 11:00
  the
• 11:01
  guilt
• 11:01
  that
• 11:01
  you're
• 11:01
  hearing
• 11:01
  is
• 11:02
  going
• 11:02
  to
• 11:02
  whisper
• 11:02
  things.
• 11:03
  You've
• 11:03
  already
• 11:03
  said
• 11:04
  it,
• 11:05
  Ralph.
• 11:05
  I'm
• 11:05
  letting
• 11:06
  them
• 11:06
  down.
• 11:07
  I
• 11:08
  should
• 11:08
  be
• 11:08
  able
• 11:08
  to
• 11:08
  do
• 11:09
  more.
• 11:10
  But
• 11:10
  that's
• 11:11
  not
• 11:11
  the
• 11:11
  truth.
• 11:12
  Hear
• 11:12
  me.
• 11:13
  God
• 11:13
  entrusted
• 11:14
  you
• 11:14
  with
• 11:14
  your
• 11:14
  children.
• 11:15
  The
• 11:15
  children
• 11:15
  that
• 11:15
  you
• 11:16
  have
• 11:16
  are
• 11:16
  a
• 11:16
  gift
• 11:17
  from
• 11:17
  God,
• 11:18
  and
• 11:18
  they're
• 11:18
  not
• 11:18
  a
• 11:19
  gift
• 11:19
  to
• 11:19
  give
• 11:19
  everything
• 11:20
  they
• 11:20
  want.
• 11:22
  Your
• 11:22
  goal,
• 11:23
  your
• 11:23
  job,
• 11:24
  is
• 11:24
  to
• 11:25
  guide
• 11:25
  them
• 11:25
  wisely.
• 11:26
  Your
• 11:26
  job
• 11:27
  is
• 11:27
  to
• 11:27
  teach
• 11:27
  them.
• 11:28
  Your
• 11:28
  job
• 11:28
  is
• 11:29
  to
• 11:29
  protect
• 11:29
  them,
• 11:29
  and
• 11:30
  your
• 11:30
  job
• 11:30
  is
• 11:31
  to
• 11:31
  lead
• 11:31
  them.
• 11:33
  And
• 11:33
  sometimes
• 11:35
  love
• 11:36
  looks
• 11:36
  like
• 11:36
  saying
• 11:36
  no.
• 11:38
  So
• 11:38
  remember,
• 11:40
  you're
• 11:40
  not
• 11:40
  failing
• 11:41
  your
• 11:41
  children.
• 11:42
  You're
• 11:43
  actually
• 11:43
  faithfully
• 11:44
  leading
• 11:44
  them.
• 11:46
  So
• 11:46
  here's
• 11:46
  your
• 11:46
  win
• 11:47
  for
• 11:47
  today.
• 11:47
  I
• 11:48
  want
• 11:48
  to
• 11:48
  encourage
• 11:48
  everybody
• 11:49
  to
• 11:49
  write
• 11:49
  down
• 11:50
  one
• 11:50
  boundary
• 11:50
  you
• 11:51
  need
• 11:51
  to
• 11:51
  hold
• 11:51
  with
• 11:51
  confidence,
• 11:52
  just
• 11:52
  one,
• 11:54
  and
• 11:54
  then
• 11:54
  remind
• 11:54
  yourself
• 11:56
  this
• 11:56
  is
• 11:57
  an
• 11:57
  act
• 11:57
  of
• 11:57
  love,
• 11:59
  that
• 11:59
  no
• 12:01
  is
• 12:01
  an
• 12:01
  act
• 12:01
  of
• 12:02
  love.
• 12:03
  Well,
• 12:03
  let's
• 12:03
  get
• 12:03
  right
• 12:03
  to
• 12:04
  our
• 12:04
  Bible
• 12:04
  verse
• 12:04
  today.
• 12:05
  Here's
• 12:05
  Matthew,
• 12:06
  chapter
• 12:06
  7,
• 12:06
  verse
• 12:07
  11.
• 12:08
  If
• 12:08
  you
• 12:09
  then,
• 12:09
  though
• 12:10
  you
• 12:10
  are
• 12:10
  evil,
• 12:11
  know
• 12:12
  how
• 12:12
  to
• 12:12
  give
• 12:12
  good
• 12:12
  gifts
• 12:13
  to
• 12:13
  your
• 12:13
  children,
• 12:14
  how
• 12:14
  much
• 12:15
  more
• 12:15
  will
• 12:15
  your
• 12:15
  father
• 12:16
  in
• 12:16
  heaven
• 12:16
  give
• 12:17
  good
• 12:17
  gifts
• 12:17
  to
• 12:18
  those
• 12:18
  who
• 12:19
  ask
• 12:19
  him?
• 12:22
  God
• 12:22
  defines
• 12:23
  good
• 12:23
  parenting
• 12:24
  not
• 12:24
  by
• 12:24
  giving
• 12:25
  everything,
• 12:27
  but
• 12:27
  by
• 12:27
  giving
• 12:28
  what
• 12:28
  is
• 12:28
  truly
• 12:28
  good
• 12:29
  and
• 12:29
  is
• 12:30
  truly
• 12:30
  wise
• 12:30
  for
• 12:30
  your
• 12:31
  children.
• 12:32
  That's
• 12:32
  the
• 12:32
  key
• 12:33
  to
• 12:33
  the
• 12:33
  whole
• 12:33
  thing.
• 12:33
  Today,
• 12:34
  let's
• 12:34
  pray
• 12:35
  together.
• 12:36
  Heavenly
• 12:37
  Father,
• 12:38
  I
• 12:38
  lift
• 12:38
  up
• 12:38
  my
• 12:38
  friend
• 12:39
  who
• 12:39
  wants
• 12:39
  to
• 12:39
  love
• 12:39
  their
• 12:40
  children
• 12:40
  well.
• 12:42
  And
• 12:42
  Lord,
• 12:42
  you
• 12:42
  see
• 12:43
  that
• 12:43
  desire
• 12:43
  in
• 12:43
  their
• 12:44
  heart.
• 12:45
  You
• 12:45
  see
• 12:45
  their
• 12:45
  desire
• 12:46
  to
• 12:46
  provide
• 12:46
  and
• 12:47
  to
• 12:47
  protect
• 12:47
  and
• 12:48
  to
• 12:48
  do
• 12:48
  what's
• 12:48
  right
• 12:48
  for
• 12:49
  their
• 12:49
  children,
• 12:49
  Lord.
• 12:51
  But
• 12:51
  I
• 12:51
  want
• 12:51
  you
• 12:51
  to
• 12:52
  really
• 12:52
  help
• 12:52
  them
• 12:52
  find
• 12:52
  peace
• 12:53
  in
• 12:53
  this.
• 12:54
  Give
• 12:54
  them
• 12:55
  peace
• 12:55
  in
• 12:55
  the
• 12:55
  decisions
• 12:56
  they
• 12:56
  have
• 12:56
  to
• 12:56
  make
• 12:58
  and
• 12:58
  replace
• 12:58
  that
• 12:58
  guilt
• 12:59
  that
• 12:59
  they're
• 12:59
  feeling
• 12:59
  with
• 13:00
  confidence
• 13:01
  and
• 13:01
  replace
• 13:01
  that
• 13:02
  pressure
• 13:02
  with
• 13:02
  clarity.
• 13:04
  And
• 13:04
  Lord,
• 13:05
  help
• 13:05
  us
• 13:05
  all
• 13:05
  to
• 13:05
  lead
• 13:06
  with
• 13:06
  wisdom,
• 13:07
  to
• 13:07
  speak
• 13:08
  with
• 13:08
  love,
• 13:09
  and
• 13:09
  to
• 13:10
  truly
• 13:10
  trust
• 13:10
  that
• 13:11
  we're
• 13:11
  not
• 13:11
  failing
• 13:11
  our
• 13:12
  children,
• 13:12
  but
• 13:13
  we're
• 13:13
  faithfully
• 13:14
  guiding
• 13:14
  them.
• 13:15
  Give
• 13:16
  us
• 13:16
  all
• 13:16
  strength
• 13:16
  in
• 13:16
  those
• 13:17
  difficult
• 13:17
  moments
• 13:19
  and
• 13:19
  remind
• 13:19
  us
• 13:20
  all
• 13:21
  that
• 13:21
  you
• 13:21
  are
• 13:21
  with
• 13:21
  us
• 13:22
  every
• 13:22
  single
• 13:22
  step
• 13:23
  of
• 13:23
  the
• 13:23
  way.
• 13:23
  We
• 13:23
  love
• 13:23
  you,
• 13:24
  Lord,
• 13:24
  and
• 13:24
  we
• 13:24
  ask
• 13:24
  this
• 13:25
  in
• 13:25
  Jesus
• 13:25
  name.
• 13:27
  Amen.
• 13:29
  Friend,
• 13:29
  your
• 13:30
  children
• 13:30
  don't
• 13:30
  need
• 13:30
  perfect
• 13:31
  provision.
• 13:32
  What
• 13:33
  they
• 13:33
  do
• 13:33
  need
• 13:33
  is
• 13:34
  faithful
• 13:34
  leadership.
• 13:36
  And
• 13:36
  it's
• 13:36
  gonna
• 13:37
  be
• 13:37
  you
• 13:37
  that
• 13:37
  needs
• 13:37
  to
• 13:38
  provide
• 13:38
  that.
• 13:39
  And
• 13:40
  maybe
• 13:40
  right
• 13:40
  now
• 13:40
  you're
• 13:41
  navigating
• 13:41
  those
• 13:41
  hard
• 13:41
  no
• 13:42
  moments
• 13:43
  and
• 13:43
  you
• 13:44
  just
• 13:44
  want
• 13:44
  some
• 13:44
  guidance.
• 13:45
  I'd
• 13:45
  love
• 13:45
  to
• 13:45
  hear
• 13:46
  what's
• 13:46
  going
• 13:46
  on
• 13:46
  in
• 13:46
  your
• 13:47
  world.
• 13:47
  You
• 13:47
  can
• 13:47
  leave
• 13:47
  me
• 13:47
  a
• 13:48
  voicemail
• 13:48
  by
• 13:48
  going
• 13:48
  to
• 13:49
  financiallyconfidentchristian.Com/voicemail.
• 13:53
  We'll
• 13:53
  put
• 13:54
  a
• 13:54
  link
• 13:54
  right
• 13:54
  in
• 13:54
  the
• 13:54
  show
• 13:54
  notes.
• 13:55
  You
• 13:55
  can
• 13:55
  just
• 13:55
  click
• 13:55
  and
• 13:55
  go
• 13:56
  there.
• 13:56
  But
• 13:56
  again,
• 13:56
  that's
• 13:56
  financiallyconfidentchristian.Com/voicemail.
• 14:00
  Because
• 14:00
  I'd
• 14:01
  love
• 14:01
  to
• 14:01
  help
• 14:01
  you.
• 14:02
  Thank
• 14:02
  you
• 14:02
  so
• 14:03
  much
• 14:03
  for
• 14:03
  joining
• 14:03
  me
• 14:03
  today.
• 14:04
  Stay
• 14:04
  financially
• 14:05
  savvy.
• 14:06
  May
• 14:06
  God
• 14:06
  bless
• 14:06
  you
• 14:07
  and
• 14:07
  you
• 14:08
  have
• 14:08
  a
• 14:08
  truly
• 14:08
  great
• 14:09
  day
• 14:09
  today.