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Why Does Retirement Planning Feel So Overwhelming and Far Away? · Becoming Financially Confident

• 0:37
  Going
• 0:38
  to
• 0:38
  start
• 0:38
  off
• 0:38
  by
• 0:38
  saying
• 0:38
  something
• 0:39
  rather
• 0:39
  controversial
• 0:40
  today,
• 0:41
  and
• 0:41
  that's
• 0:41
  this.
• 0:42
  Retirement
• 0:43
  planning
• 0:43
  is
• 0:44
  not
• 0:44
  about
• 0:44
  money.
• 0:45
  You're
• 0:45
  probably
• 0:46
  thinking,
• 0:46
  oh,
• 0:46
  Ralph
• 0:46
  has
• 0:47
  lost
• 0:47
  his
• 0:47
  mind.
• 0:47
  But
• 0:47
  just
• 0:48
  stick
• 0:48
  with
• 0:48
  me
• 0:48
  today.
• 0:49
  Retirement
• 0:49
  planning
• 0:50
  really
• 0:50
  is
• 0:50
  about
• 0:50
  death
• 0:51
  and
• 0:51
  it's
• 0:52
  about
• 0:52
  your
• 0:52
  identity.
• 0:53
  That's
• 0:53
  why
• 0:53
  it
• 0:53
  feels
• 0:54
  so
• 0:54
  scary.
• 0:55
  It's
• 0:55
  not
• 0:55
  about
• 0:56
  math,
• 0:56
  it's
• 0:56
  about
• 0:57
  mortality
• 0:58
  and
• 0:58
  it's
• 0:58
  not
• 0:58
  about
• 0:59
  savings.
• 0:59
  It's
• 1:00
  what
• 1:00
  you're
• 1:00
  going
• 1:00
  to
• 1:00
  be
• 1:01
  when
• 1:01
  the
• 1:01
  job
• 1:01
  is
• 1:02
  done.
• 1:02
  And
• 1:02
  that's
• 1:02
  exactly
• 1:02
  what
• 1:03
  I'm
• 1:03
  going
• 1:03
  to
• 1:03
  talk
• 1:03
  about
• 1:03
  on
• 1:04
  today's
• 1:04
  show.
• 1:06
  This
• 1:07
  is
• 1:07
  Financially
• 1:07
  Confident
• 1:08
  Christian,
• 1:09
  your
• 1:09
  daily
• 1:09
  dose
• 1:09
  of
• 1:10
  gospel,
• 1:10
  grounded
• 1:11
  insight
• 1:11
  and
• 1:11
  faith
• 1:12
  driven
• 1:12
  tips
• 1:12
  to
• 1:13
  help
• 1:13
  you
• 1:13
  break
• 1:13
  the
• 1:13
  cycle
• 1:14
  of
• 1:14
  financial
• 1:14
  shame
• 1:15
  with
• 1:15
  confidence.
• 1:18
  Hi
• 1:18
  there,
• 1:19
  I'm
• 1:19
  Ralph.
• 1:19
  Thank
• 1:19
  you
• 1:19
  for
• 1:20
  joining
• 1:20
  me
• 1:20
  on
• 1:20
  Financially
• 1:21
  Confident
• 1:21
  Christian.
• 1:22
  My
• 1:22
  goal
• 1:23
  every
• 1:23
  day
• 1:23
  with
• 1:23
  this
• 1:23
  show
• 1:24
  is
• 1:24
  to
• 1:24
  help
• 1:24
  you
• 1:24
  become
• 1:25
  a
• 1:25
  more
• 1:25
  financially
• 1:26
  confident
• 1:26
  Christian.
• 1:27
  And
• 1:27
  if
• 1:27
  you
• 1:27
  missed
• 1:28
  yesterday's
• 1:28
  show,
• 1:28
  we
• 1:29
  talked
• 1:29
  about
• 1:29
  losing
• 1:29
  money
• 1:30
  on
• 1:30
  those
• 1:30
  unused
• 1:31
  subscriptions.
• 1:32
  You
• 1:32
  know,
• 1:32
  those
• 1:32
  little
• 1:32
  leaks
• 1:33
  here
• 1:33
  and
• 1:33
  there,
• 1:33
  the
• 1:33
  $5
• 1:34
  here,
• 1:34
  the
• 1:34
  $7
• 1:35
  there,
• 1:35
  hey,
• 1:36
  maybe
• 1:36
  the
• 1:36
  20
• 1:36
  DOL,
• 1:37
  $25
• 1:37
  there.
• 1:37
  So
• 1:38
  if
• 1:38
  you
• 1:38
  missed
• 1:38
  that
• 1:38
  show,
• 1:38
  I'm
• 1:38
  gonna
• 1:39
  encourage
• 1:39
  you
• 1:39
  to
• 1:39
  check
• 1:39
  it
• 1:39
  out.
• 1:40
  You
• 1:40
  can
• 1:40
  see
• 1:40
  all
• 1:40
  of
• 1:41
  our
• 1:41
  shows@financiallyconfidentchristian.com
• 1:44
  but
• 1:45
  today
• 1:45
  we're
• 1:45
  going
• 1:45
  to
• 1:45
  get
• 1:45
  into
• 1:46
  something
• 1:46
  rather
• 1:46
  controversial.
• 1:48
  Most
• 1:48
  financial
• 1:48
  gurus
• 1:49
  talk
• 1:49
  about
• 1:49
  retirement
• 1:50
  planning.
• 1:50
  They
• 1:51
  start
• 1:51
  talking
• 1:51
  about
• 1:51
  that
• 1:52
  amount
• 1:52
  you've
• 1:52
  got
• 1:52
  to
• 1:53
  accumulate
• 1:53
  by
• 1:53
  the
• 1:54
  time
• 1:54
  you
• 1:54
  go
• 1:54
  to
• 1:54
  retire.
• 1:55
  And
• 1:55
  they
• 1:55
  talk
• 1:56
  about
• 1:56
  how
• 1:56
  much
• 1:56
  do
• 1:56
  I
• 1:56
  need
• 1:57
  to
• 1:57
  save,
• 1:57
  what's
• 1:58
  compound
• 1:58
  interest,
• 1:58
  what
• 1:59
  do
• 1:59
  I
• 1:59
  save
• 1:59
  it
• 1:59
  in?
• 1:59
  I'm
• 2:00
  not
• 2:00
  going
• 2:00
  to
• 2:00
  talk
• 2:00
  about
• 2:00
  any
• 2:00
  of
• 2:01
  those
• 2:01
  things
• 2:01
  today.
• 2:02
  Today
• 2:02
  I
• 2:02
  want
• 2:02
  to
• 2:02
  talk
• 2:03
  about
• 2:03
  why
• 2:03
  retirement
• 2:04
  planning
• 2:04
  feels
• 2:04
  overwhelming
• 2:05
  and
• 2:06
  why
• 2:06
  for
• 2:06
  so
• 2:06
  many
• 2:07
  of
• 2:07
  us
• 2:07
  it
• 2:08
  feels
• 2:08
  so
• 2:09
  far
• 2:09
  away.
• 2:10
  And
• 2:10
  like
• 2:10
  I
• 2:11
  said,
• 2:11
  I
• 2:11
  want
• 2:11
  to
• 2:11
  say
• 2:11
  something
• 2:11
  controversial
• 2:12
  because
• 2:13
  here's
• 2:13
  the
• 2:13
  truth
• 2:13
  and
• 2:13
  I
• 2:14
  want
• 2:14
  you
• 2:14
  to
• 2:14
  hear
• 2:14
  this.
• 2:15
  The
• 2:16
  stress
• 2:16
  usually
• 2:16
  isn't
• 2:17
  about
• 2:17
  the
• 2:17
  numbers,
• 2:18
  the
• 2:19
  real
• 2:19
  weight.
• 2:19
  I
• 2:20
  mean,
• 2:20
  the
• 2:20
  things
• 2:20
  that
• 2:20
  really
• 2:20
  keep
• 2:21
  you
• 2:21
  up.
• 2:21
  And
• 2:21
  listen,
• 2:21
  I'm
• 2:22
  speaking
• 2:22
  for
• 2:22
  myself.
• 2:23
  The
• 2:24
  real
• 2:24
  weight
• 2:24
  is
• 2:25
  mortality
• 2:26
  and
• 2:26
  identity.
• 2:27
  Let's
• 2:27
  dive
• 2:28
  into
• 2:28
  that
• 2:28
  for
• 2:28
  just
• 2:28
  a
• 2:28
  moment.
• 2:29
  The
• 2:30
  truth
• 2:30
  is,
• 2:30
  when
• 2:30
  we
• 2:30
  think
• 2:31
  about
• 2:31
  retirement,
• 2:32
  what
• 2:32
  we're
• 2:32
  really
• 2:33
  thinking
• 2:33
  about
• 2:33
  is
• 2:34
  Ralph.
• 2:34
  I've
• 2:35
  got
• 2:35
  an
• 2:35
  endpoint.
• 2:36
  And
• 2:37
  see,
• 2:37
  that's
• 2:37
  not
• 2:37
  something
• 2:37
  that
• 2:38
  people
• 2:38
  want
• 2:38
  to
• 2:38
  talk
• 2:38
  about
• 2:38
  in
• 2:39
  casual
• 2:39
  conversation.
• 2:40
  We
• 2:40
  don't
• 2:41
  want
• 2:41
  to
• 2:41
  think
• 2:41
  about
• 2:41
  there's
• 2:42
  going
• 2:42
  to
• 2:42
  be
• 2:42
  a
• 2:42
  day
• 2:42
  when
• 2:43
  we're
• 2:43
  not
• 2:43
  going
• 2:43
  to
• 2:43
  be
• 2:43
  on
• 2:43
  this
• 2:44
  planet
• 2:44
  anymore.
• 2:45
  And
• 2:45
  that
• 2:46
  is
• 2:46
  such
• 2:46
  a
• 2:46
  heavy
• 2:46
  weight
• 2:47
  for
• 2:47
  so
• 2:47
  many
• 2:47
  people.
• 2:48
  And
• 2:48
  I
• 2:49
  truly
• 2:49
  believe
• 2:49
  one
• 2:49
  of
• 2:49
  the
• 2:50
  reasons
• 2:50
  that
• 2:50
  people
• 2:50
  don't
• 2:51
  plan
• 2:51
  for
• 2:51
  retirement
• 2:52
  is
• 2:52
  they
• 2:52
  don't
• 2:53
  want
• 2:53
  to
• 2:53
  face
• 2:53
  that
• 2:54
  mortality.
• 2:55
  Listen,
• 2:56
  that's
• 2:56
  not
• 2:56
  an
• 2:56
  easy
• 2:56
  thing
• 2:56
  to
• 2:57
  face.
• 2:57
  I'm
• 2:57
  going
• 2:57
  to
• 2:57
  share
• 2:58
  with
• 2:58
  you
• 2:58
  some
• 2:58
  ideas
• 2:59
  today
• 2:59
  in
• 2:59
  scripture
• 2:59
  about
• 3:00
  how
• 3:00
  to
• 3:00
  do
• 3:00
  that.
• 3:01
  But
• 3:01
  that's
• 3:02
  really
• 3:02
  a
• 3:02
  big
• 3:02
  part
• 3:02
  of
• 3:03
  it.
• 3:03
  It's
• 3:03
  admitting
• 3:04
  that
• 3:04
  we
• 3:04
  have
• 3:04
  limited
• 3:05
  days.
• 3:06
  The
• 3:06
  other
• 3:06
  thing
• 3:07
  I
• 3:07
  think
• 3:07
  is
• 3:07
  huge
• 3:08
  is
• 3:08
  identity.
• 3:09
  Dive
• 3:10
  into
• 3:10
  that
• 3:10
  for
• 3:10
  a
• 3:10
  second.
• 3:11
  The
• 3:11
  truth
• 3:12
  is,
• 3:12
  most
• 3:12
  of
• 3:13
  us,
• 3:13
  our
• 3:14
  jobs,
• 3:14
  our
• 3:14
  career
• 3:15
  makes
• 3:15
  up
• 3:16
  a
• 3:16
  huge
• 3:16
  part
• 3:16
  of
• 3:16
  our
• 3:17
  identity.
• 3:17
  Think
• 3:17
  about
• 3:17
  the
• 3:17
  last
• 3:18
  time
• 3:18
  you
• 3:18
  introduced
• 3:18
  yourself
• 3:19
  to
• 3:19
  someone.
• 3:19
  Hi,
• 3:20
  I'm
• 3:20
  Ralph,
• 3:20
  I'm
• 3:20
  an
• 3:21
  accountant,
• 3:21
  or
• 3:22
  hi,
• 3:22
  I'm
• 3:22
  Jim,
• 3:23
  I'm
• 3:23
  a
• 3:23
  barber.
• 3:24
  This
• 3:24
  is
• 3:24
  what
• 3:25
  we
• 3:25
  do.
• 3:25
  That's
• 3:25
  the
• 3:25
  labels
• 3:26
  that
• 3:26
  we've
• 3:26
  put
• 3:26
  on
• 3:26
  ourselves.
• 3:28
  So
• 3:28
  those
• 3:28
  two
• 3:28
  things
• 3:28
  are
• 3:29
  huge.
• 3:29
  And
• 3:29
  that's
• 3:29
  why
• 3:29
  I
• 3:30
  truly
• 3:30
  believe
• 3:30
  so
• 3:31
  many
• 3:31
  people
• 3:32
  struggle
• 3:32
  with
• 3:32
  retirement.
• 3:33
  Sure.
• 3:33
  There
• 3:33
  are
• 3:34
  financial
• 3:34
  aspects
• 3:35
  to
• 3:35
  this.
• 3:35
  Absolutely.
• 3:36
  I'm
• 3:36
  not
• 3:36
  going
• 3:37
  to
• 3:37
  sit
• 3:37
  here
• 3:37
  and
• 3:37
  tell
• 3:37
  you
• 3:38
  that
• 3:38
  it
• 3:38
  doesn't
• 3:38
  make
• 3:38
  sense
• 3:38
  to
• 3:39
  start
• 3:39
  early.
• 3:39
  It
• 3:40
  absolutely
• 3:40
  makes
• 3:40
  sense
• 3:41
  to
• 3:41
  start
• 3:41
  early.
• 3:42
  If
• 3:42
  you've
• 3:42
  got
• 3:42
  an
• 3:42
  employer
• 3:43
  match,
• 3:43
  absolutely,
• 3:44
  you
• 3:44
  should
• 3:44
  be
• 3:44
  putting
• 3:45
  enough
• 3:45
  money
• 3:45
  in
• 3:46
  to
• 3:46
  get
• 3:46
  to
• 3:46
  that
• 3:46
  employer
• 3:47
  match.
• 3:48
  But
• 3:48
  in
• 3:48
  the
• 3:48
  end,
• 3:48
  I
• 3:49
  really
• 3:49
  don't
• 3:49
  think
• 3:49
  that's
• 3:50
  the
• 3:50
  big
• 3:50
  struggle
• 3:51
  that
• 3:51
  people
• 3:51
  deal
• 3:51
  with.
• 3:52
  If
• 3:52
  you
• 3:52
  want
• 3:52
  to
• 3:52
  go
• 3:52
  find
• 3:53
  those
• 3:53
  things,
• 3:53
  I've
• 3:53
  done
• 3:53
  a
• 3:53
  bunch
• 3:54
  of
• 3:54
  shows
• 3:54
  on
• 3:54
  them.
• 3:54
  You
• 3:54
  can
• 3:55
  check
• 3:55
  out
• 3:55
  my
• 3:55
  back
• 3:55
  catalog.
• 3:56
  All
• 3:56
  of
• 3:56
  our
• 3:56
  shows
• 3:57
  are@financiallyconfidentchristian.com.
• 3:59
  just
• 3:59
  click
• 3:59
  on
• 3:59
  the
• 4:00
  little
• 4:00
  search
• 4:00
  icon
• 4:00
  and
• 4:01
  enter
• 4:01
  retirement
• 4:02
  planning
• 4:02
  and
• 4:02
  you'll
• 4:02
  find
• 4:02
  all
• 4:02
  kinds
• 4:03
  of
• 4:03
  episodes.
• 4:04
  But
• 4:04
  as
• 4:04
  I
• 4:04
  was
• 4:05
  planning
• 4:05
  this
• 4:05
  morning,
• 4:05
  it's
• 4:06
  kind
• 4:06
  of
• 4:06
  a
• 4:06
  last
• 4:06
  minute
• 4:06
  rewrite,
• 4:07
  to
• 4:07
  be
• 4:07
  honest
• 4:07
  with
• 4:07
  you.
• 4:08
  As
• 4:08
  I
• 4:08
  was
• 4:08
  planning
• 4:09
  this
• 4:09
  morning,
• 4:09
  I
• 4:10
  thought,
• 4:10
  what
• 4:10
  can
• 4:10
  I
• 4:11
  talk
• 4:11
  about
• 4:11
  today
• 4:11
  that
• 4:12
  really
• 4:12
  will
• 4:12
  be
• 4:12
  impactful?
• 4:13
  And
• 4:14
  that's
• 4:14
  why
• 4:14
  I
• 4:14
  truly
• 4:14
  believe
• 4:15
  it's
• 4:15
  about
• 4:15
  mortality
• 4:16
  and
• 4:17
  identity.
• 4:18
  And
• 4:18
  that's
• 4:18
  why
• 4:18
  it
• 4:18
  feels
• 4:19
  so
• 4:19
  resistant.
• 4:20
  That's
• 4:20
  why
• 4:20
  you
• 4:21
  feel
• 4:21
  so
• 4:21
  much
• 4:21
  resistance
• 4:22
  to
• 4:22
  this.
• 4:23
  Well,
• 4:23
  as
• 4:23
  I
• 4:23
  always
• 4:23
  do,
• 4:24
  I
• 4:24
  want
• 4:24
  to
• 4:24
  talk
• 4:24
  about
• 4:24
  scripture.
• 4:25
  Let's
• 4:25
  get
• 4:26
  right
• 4:26
  into
• 4:26
  the
• 4:26
  book.
• 4:27
  And
• 4:27
  It's
• 4:27
  Psalm,
• 4:28
  chapter
• 4:28
  90,
• 4:29
  verse
• 4:29
  12.
• 4:30
  And
• 4:30
  it
• 4:30
  says
• 4:30
  this.
• 4:31
  Teach
• 4:32
  us
• 4:32
  to
• 4:32
  number
• 4:32
  our
• 4:33
  days
• 4:34
  that
• 4:34
  we
• 4:34
  may
• 4:34
  gain
• 4:35
  a
• 4:35
  heart
• 4:35
  of
• 4:35
  wisdom.
• 4:37
  And
• 4:37
  I
• 4:37
  thought
• 4:37
  Wednesday,
• 4:38
  as
• 4:38
  I
• 4:38
  plan
• 4:38
  for
• 4:39
  today's
• 4:39
  episode,
• 4:40
  teach
• 4:40
  us
• 4:41
  to
• 4:41
  number
• 4:41
  our
• 4:41
  days.
• 4:41
  What
• 4:42
  is
• 4:42
  the
• 4:42
  Scripture
• 4:42
  telling
• 4:43
  us?
• 4:43
  What
• 4:43
  is
• 4:43
  God
• 4:43
  telling
• 4:44
  us
• 4:44
  to
• 4:44
  do?
• 4:45
  He
• 4:45
  wants
• 4:45
  us
• 4:45
  to
• 4:46
  understand
• 4:47
  that
• 4:47
  there
• 4:47
  is
• 4:47
  an
• 4:48
  end
• 4:48
  point.
• 4:49
  And
• 4:49
  like
• 4:49
  I
• 4:49
  said,
• 4:50
  most
• 4:50
  people
• 4:50
  don't
• 4:50
  want
• 4:50
  to
• 4:50
  face
• 4:51
  that.
• 4:51
  But
• 4:51
  your
• 4:52
  life
• 4:52
  has
• 4:52
  an
• 4:53
  end
• 4:53
  point.
• 4:54
  There's
• 4:54
  two
• 4:54
  things
• 4:54
  that
• 4:55
  are
• 4:55
  certain
• 4:55
  in
• 4:55
  life,
• 4:55
  as
• 4:55
  they
• 4:56
  say,
• 4:56
  death
• 4:56
  and
• 4:56
  taxes.
• 4:57
  We'll
• 4:57
  talk
• 4:57
  about
• 4:57
  taxes
• 4:58
  in
• 4:58
  a
• 4:58
  couple
• 4:59
  days,
• 5:00
  but
• 5:00
  death
• 5:00
  is
• 5:00
  a
• 5:00
  certainty.
• 5:02
  Now.
• 5:02
  I
• 5:02
  truly
• 5:02
  Believe
• 5:02
  as
• 5:03
  a
• 5:03
  Christian
• 5:04
  that
• 5:04
  death
• 5:04
  is
• 5:05
  just
• 5:05
  a
• 5:05
  stepping
• 5:06
  stone
• 5:06
  to
• 5:06
  eternal
• 5:07
  life.
• 5:07
  And
• 5:08
  you
• 5:08
  know,
• 5:08
  if
• 5:08
  you
• 5:08
  listen
• 5:08
  to
• 5:08
  the
• 5:08
  show
• 5:09
  every
• 5:09
  day,
• 5:09
  you
• 5:09
  know,
• 5:09
  that's
• 5:09
  my
• 5:10
  big
• 5:10
  takeaway
• 5:10
  on
• 5:11
  most
• 5:11
  days.
• 5:12
  I
• 5:12
  marry
• 5:13
  two
• 5:13
  worlds,
• 5:14
  and
• 5:14
  that's
• 5:14
  faith
• 5:15
  and
• 5:15
  finances.
• 5:16
  But
• 5:17
  what
• 5:17
  is
• 5:17
  the
• 5:17
  scripture
• 5:17
  going
• 5:18
  to
• 5:18
  say
• 5:19
  number
• 5:19
  our
• 5:19
  days
• 5:19
  that
• 5:20
  we
• 5:20
  may
• 5:20
  gain
• 5:20
  a
• 5:20
  heart
• 5:21
  of
• 5:21
  wisdom.
• 5:22
  And
• 5:22
  I
• 5:22
  really
• 5:22
  think
• 5:23
  that's
• 5:23
  the
• 5:23
  key.
• 5:24
  We
• 5:24
  need
• 5:24
  to
• 5:25
  have
• 5:25
  an
• 5:25
  understanding
• 5:26
  of
• 5:26
  wisdom.
• 5:27
  So
• 5:28
  here's
• 5:28
  your
• 5:28
  action
• 5:28
  step
• 5:29
  for
• 5:29
  today.
• 5:29
  I
• 5:29
  always
• 5:29
  want
• 5:29
  to
• 5:29
  give
• 5:30
  you
• 5:30
  something
• 5:30
  that
• 5:30
  you
• 5:30
  can
• 5:31
  use
• 5:31
  to
• 5:32
  help
• 5:32
  you
• 5:32
  in
• 5:33
  this
• 5:33
  process.
• 5:34
  And
• 5:34
  I'm
• 5:35
  going
• 5:35
  to
• 5:35
  encourage
• 5:35
  you
• 5:35
  right
• 5:35
  now.
• 5:36
  Don't
• 5:36
  start
• 5:36
  with
• 5:36
  calculators.
• 5:37
  Don't
• 5:38
  start
• 5:38
  with
• 5:38
  the
• 5:38
  traditional.
• 5:39
  Let
• 5:39
  me
• 5:39
  go
• 5:39
  out
• 5:39
  online,
• 5:40
  let
• 5:40
  me
• 5:40
  find
• 5:40
  a
• 5:40
  retirement
• 5:41
  calculator.
• 5:41
  I'm
• 5:42
  going
• 5:42
  to
• 5:42
  live
• 5:42
  to
• 5:42
  be
• 5:42
  80
• 5:43
  years
• 5:43
  old.
• 5:43
  This
• 5:44
  is
• 5:44
  how
• 5:44
  many
• 5:44
  years
• 5:44
  I
• 5:45
  have
• 5:45
  left.
• 5:45
  This
• 5:45
  is
• 5:46
  how
• 5:46
  much
• 5:46
  I
• 5:46
  can
• 5:46
  set
• 5:46
  aside
• 5:47
  every
• 5:47
  year.
• 5:47
  That's
• 5:48
  great,
• 5:48
  and
• 5:48
  I'm
• 5:48
  going
• 5:49
  to
• 5:49
  encourage
• 5:49
  you
• 5:49
  to
• 5:49
  do
• 5:49
  that.
• 5:50
  But
• 5:50
  today
• 5:50
  I
• 5:50
  don't
• 5:51
  want
• 5:51
  you
• 5:51
  to
• 5:51
  start
• 5:51
  there.
• 5:52
  I
• 5:52
  don't
• 5:52
  want
• 5:53
  you
• 5:53
  to
• 5:53
  start
• 5:53
  with
• 5:53
  that
• 5:53
  for
• 5:54
  a
• 5:54
  couple
• 5:54
  reasons.
• 5:54
  Number
• 5:55
  one,
• 5:55
  it
• 5:55
  can
• 5:55
  be
• 5:55
  overwhelming.
• 5:57
  Maybe
• 5:57
  you're
• 5:57
  50
• 5:58
  years
• 5:58
  old
• 5:58
  like
• 5:58
  myself.
• 5:58
  I'll
• 5:59
  be
• 5:59
  53
• 5:59
  in
• 6:00
  just
• 6:00
  a
• 6:00
  couple
• 6:00
  weeks.
• 6:01
  Maybe
• 6:02
  that's
• 6:02
  you.
• 6:02
  And
• 6:03
  you
• 6:03
  haven't
• 6:03
  done
• 6:03
  a
• 6:03
  great
• 6:04
  job
• 6:04
  of
• 6:04
  planning
• 6:04
  for
• 6:05
  retirement.
• 6:06
  Well,
• 6:06
  if
• 6:06
  you
• 6:06
  put
• 6:06
  those
• 6:06
  calculators
• 6:07
  in,
• 6:07
  it's
• 6:07
  just
• 6:07
  going
• 6:07
  to
• 6:08
  make
• 6:08
  you
• 6:08
  feel
• 6:08
  bad
• 6:08
  about
• 6:08
  yourself.
• 6:09
  So
• 6:09
  I'm
• 6:09
  not
• 6:10
  saying
• 6:10
  don't
• 6:10
  do
• 6:10
  anything
• 6:11
  about
• 6:11
  it.
• 6:11
  You're
• 6:11
  never
• 6:11
  going
• 6:11
  to
• 6:11
  hear
• 6:11
  Ralph
• 6:12
  say,
• 6:12
  look,
• 6:12
  don't
• 6:13
  plan
• 6:13
  for
• 6:13
  retirement
• 6:13
  because
• 6:14
  I
• 6:14
  don't
• 6:14
  care
• 6:14
  how
• 6:14
  old
• 6:14
  you
• 6:15
  are.
• 6:15
  You
• 6:15
  can
• 6:16
  plan
• 6:16
  for
• 6:16
  retirement,
• 6:17
  but
• 6:17
  don't
• 6:17
  start
• 6:18
  there
• 6:18
  today.
• 6:18
  I
• 6:19
  just
• 6:19
  want
• 6:19
  to
• 6:19
  encourage
• 6:19
  you
• 6:19
  to
• 6:20
  start
• 6:20
  with
• 6:20
  prayer.
• 6:21
  And
• 6:22
  I
• 6:22
  think
• 6:22
  prayer
• 6:22
  is
• 6:23
  so
• 6:23
  very
• 6:23
  important
• 6:24
  for
• 6:24
  this
• 6:24
  discussion
• 6:25
  today.
• 6:26
  And
• 6:26
  just
• 6:26
  look
• 6:26
  up
• 6:27
  to
• 6:27
  God
• 6:27
  and
• 6:27
  say,
• 6:27
  lord,
• 6:28
  what
• 6:29
  do
• 6:29
  you
• 6:29
  want
• 6:29
  me
• 6:29
  to
• 6:29
  become
• 6:30
  in
• 6:30
  the
• 6:30
  next
• 6:30
  season
• 6:31
  of
• 6:31
  my
• 6:31
  life?
• 6:31
  Because
• 6:31
  that's
• 6:32
  really
• 6:32
  what
• 6:32
  we're
• 6:32
  talking
• 6:32
  about.
• 6:33
  What
• 6:33
  does
• 6:33
  that
• 6:34
  next
• 6:34
  season
• 6:34
  look
• 6:34
  like?
• 6:35
  One
• 6:35
  of
• 6:36
  my
• 6:36
  dear
• 6:36
  friends,
• 6:36
  and
• 6:37
  he's
• 6:37
  actually
• 6:37
  one
• 6:37
  of
• 6:38
  my
• 6:38
  business
• 6:38
  coaches,
• 6:39
  is
• 6:39
  thinking
• 6:40
  about
• 6:40
  retirement.
• 6:40
  He's
• 6:41
  going
• 6:41
  to
• 6:41
  be
• 6:41
  getting
• 6:42
  to
• 6:42
  that
• 6:42
  retirement
• 6:42
  age
• 6:43
  here.
• 6:43
  Just
• 6:43
  a
• 6:43
  few
• 6:44
  in
• 6:44
  a
• 6:44
  few
• 6:44
  months,
• 6:44
  actually.
• 6:45
  And
• 6:45
  he
• 6:46
  and
• 6:46
  I
• 6:46
  had
• 6:46
  a
• 6:46
  call
• 6:46
  last
• 6:47
  week
• 6:47
  and
• 6:47
  we
• 6:47
  were
• 6:47
  talking
• 6:47
  about.
• 6:47
  He
• 6:48
  goes,
• 6:48
  ralph,
• 6:48
  I
• 6:48
  think
• 6:48
  I'm
• 6:49
  finally
• 6:49
  at
• 6:49
  the
• 6:49
  point
• 6:49
  where
• 6:50
  I'm
• 6:50
  thinking
• 6:50
  about
• 6:50
  retiring.
• 6:51
  And
• 6:51
  it's
• 6:52
  interesting
• 6:52
  because
• 6:52
  I
• 6:52
  talk
• 6:53
  about
• 6:53
  this
• 6:53
  on
• 6:53
  the
• 6:53
  show
• 6:53
  all
• 6:53
  the
• 6:53
  time.
• 6:54
  I
• 6:54
  said,
• 6:54
  okay,
• 6:54
  well,
• 6:54
  what's
• 6:55
  your
• 6:55
  next
• 6:55
  step?
• 6:56
  And
• 6:56
  he
• 6:56
  says,
• 6:56
  what
• 6:56
  do
• 6:56
  you
• 6:56
  mean,
• 6:57
  what's
• 6:57
  your
• 6:57
  next
• 6:57
  step?
• 6:57
  He
• 6:57
  says,
• 6:57
  ralph,
• 6:58
  I've
• 6:58
  got
• 6:58
  this.
• 6:58
  I
• 6:58
  said,
• 6:58
  no,
• 6:59
  no,
• 6:59
  no,
• 6:59
  that's
• 6:59
  not
• 6:59
  what
• 6:59
  I'm
• 7:00
  talking
• 7:00
  about.
• 7:00
  I'm
• 7:01
  not
• 7:01
  talking
• 7:01
  about
• 7:01
  the
• 7:01
  financial
• 7:02
  side.
• 7:02
  Of
• 7:02
  course
• 7:02
  there's
• 7:02
  going
• 7:03
  to
• 7:03
  be
• 7:03
  a
• 7:03
  financial
• 7:03
  impact.
• 7:04
  He's
• 7:04
  been
• 7:04
  working
• 7:05
  for
• 7:05
  40
• 7:05
  plus
• 7:06
  years.
• 7:06
  He's
• 7:07
  not
• 7:07
  going
• 7:07
  to
• 7:07
  have
• 7:07
  that
• 7:07
  every
• 7:08
  week
• 7:08
  paycheck
• 7:08
  or
• 7:09
  every
• 7:09
  two
• 7:09
  week
• 7:09
  paycheck.
• 7:10
  But
• 7:11
  I
• 7:11
  really
• 7:11
  leaned
• 7:11
  into
• 7:12
  him,
• 7:12
  I
• 7:12
  said,
• 7:12
  what
• 7:12
  does
• 7:13
  that
• 7:13
  look
• 7:13
  like
• 7:13
  for
• 7:14
  you?
• 7:14
  And
• 7:15
  that
• 7:15
  I
• 7:15
  think
• 7:15
  is
• 7:16
  so
• 7:16
  very
• 7:16
  important.
• 7:17
  You've
• 7:17
  got
• 7:17
  to
• 7:17
  start
• 7:17
  thinking
• 7:18
  about
• 7:18
  what
• 7:19
  does
• 7:19
  your
• 7:19
  next
• 7:20
  season
• 7:20
  of
• 7:21
  life
• 7:21
  look
• 7:21
  like
• 7:22
  and
• 7:22
  ask
• 7:23
  God
• 7:23
  to
• 7:23
  show
• 7:23
  that
• 7:23
  to
• 7:24
  you.
• 7:24
  And
• 7:24
  as
• 7:24
  you're
• 7:24
  still
• 7:25
  working
• 7:25
  and
• 7:25
  it's
• 7:25
  one
• 7:25
  of
• 7:26
  the
• 7:26
  things
• 7:26
  I
• 7:26
  want
• 7:26
  to
• 7:26
  encourage
• 7:27
  you
• 7:27
  with
• 7:27
  today
• 7:27
  as
• 7:28
  you're
• 7:28
  still
• 7:28
  working,
• 7:29
  plan
• 7:30
  for
• 7:30
  that,
• 7:30
  what
• 7:30
  that
• 7:31
  next
• 7:31
  season
• 7:31
  looks
• 7:32
  like.
• 7:32
  Because
• 7:33
  here's
• 7:33
  something
• 7:33
  I
• 7:33
  said
• 7:33
  not
• 7:34
  too
• 7:34
  long
• 7:34
  ago
• 7:34
  to
• 7:34
  a
• 7:35
  friend
• 7:35
  of
• 7:35
  mine.
• 7:35
  I
• 7:35
  said,
• 7:35
  look,
• 7:36
  if
• 7:36
  you
• 7:36
  think
• 7:36
  retirement's
• 7:37
  going
• 7:37
  to
• 7:37
  be,
• 7:37
  I'm
• 7:37
  going
• 7:38
  to
• 7:38
  go
• 7:38
  sit
• 7:38
  on
• 7:38
  a
• 7:38
  couch
• 7:38
  and
• 7:39
  do
• 7:39
  nothing.
• 7:39
  Guess
• 7:39
  what?
• 7:39
  You're
• 7:40
  not
• 7:40
  going
• 7:40
  to
• 7:40
  last
• 7:40
  long.
• 7:41
  God
• 7:41
  has
• 7:42
  a
• 7:42
  purpose
• 7:42
  for
• 7:42
  you
• 7:43
  even
• 7:43
  in
• 7:44
  that
• 7:44
  next
• 7:44
  season
• 7:44
  of
• 7:45
  your
• 7:45
  life.
• 7:45
  So
• 7:45
  I
• 7:45
  just
• 7:45
  want
• 7:45
  to
• 7:45
  encourage
• 7:46
  you
• 7:46
  today
• 7:47
  I'm
• 7:47
  not
• 7:47
  so
• 7:47
  worried
• 7:48
  about
• 7:48
  how
• 7:48
  much
• 7:48
  is
• 7:48
  in
• 7:49
  your
• 7:49
  bank
• 7:49
  account.
• 7:49
  I,
• 7:50
  I'm
• 7:50
  worried
• 7:50
  about
• 7:50
  what
• 7:51
  that
• 7:51
  next
• 7:51
  season
• 7:51
  looks
• 7:52
  like
• 7:52
  because
• 7:52
  that's
• 7:52
  going
• 7:53
  to
• 7:53
  be
• 7:53
  the
• 7:53
  benefit
• 7:54
  of
• 7:54
  whether
• 7:54
  you
• 7:54
  have
• 7:54
  a
• 7:55
  successful
• 7:55
  or
• 7:56
  a
• 7:56
  not
• 7:56
  successful
• 7:57
  retirement.
• 7:59
  Start
• 7:59
  by
• 8:00
  focusing
• 8:00
  on
• 8:00
  your
• 8:01
  identity.
• 8:02
  The
• 8:02
  numbers
• 8:02
  will
• 8:03
  make
• 8:03
  sense.
• 8:03
  You'll
• 8:03
  make
• 8:03
  sense
• 8:04
  of
• 8:04
  the
• 8:04
  numbers.
• 8:04
  Guess
• 8:04
  what
• 8:04
  you're
• 8:04
  going
• 8:04
  to
• 8:05
  do.
• 8:05
  You're
• 8:05
  going
• 8:05
  to
• 8:05
  adapt
• 8:05
  to
• 8:06
  what
• 8:06
  you
• 8:06
  have.
• 8:06
  That's
• 8:07
  a
• 8:07
  simple
• 8:07
  truth.
• 8:08
  If
• 8:08
  it
• 8:08
  means
• 8:08
  you've
• 8:09
  got
• 8:09
  to
• 8:09
  work
• 8:09
  a
• 8:09
  little
• 8:09
  longer,
• 8:10
  if
• 8:10
  it
• 8:10
  means
• 8:10
  maybe
• 8:11
  you've
• 8:11
  got
• 8:11
  to
• 8:11
  pick
• 8:11
  up
• 8:11
  a
• 8:11
  second
• 8:12
  job
• 8:12
  or
• 8:12
  maybe
• 8:12
  a
• 8:13
  part
• 8:13
  time
• 8:13
  job
• 8:13
  in
• 8:13
  retirement,
• 8:14
  that's
• 8:15
  great.
• 8:15
  But
• 8:15
  what
• 8:15
  really
• 8:16
  matters?
• 8:17
  What
• 8:17
  really
• 8:17
  matters?
• 8:18
  What
• 8:18
  I
• 8:18
  see
• 8:18
  people,
• 8:19
  what
• 8:19
  makes
• 8:19
  the
• 8:19
  difference
• 8:19
  in
• 8:20
  people's
• 8:20
  lives
• 8:21
  is
• 8:21
  their
• 8:21
  identity.
• 8:23
  And
• 8:23
  see
• 8:23
  money
• 8:24
  can
• 8:24
  become
• 8:24
  a
• 8:24
  tool
• 8:25
  in
• 8:25
  that,
• 8:25
  but
• 8:26
  it's
• 8:26
  not
• 8:26
  the
• 8:26
  goal.
• 8:27
  So
• 8:27
  many
• 8:27
  people
• 8:27
  have
• 8:27
  lost
• 8:28
  sight
• 8:28
  of
• 8:28
  this.
• 8:28
  Money
• 8:29
  is
• 8:29
  not
• 8:29
  the
• 8:29
  goal
• 8:30
  in
• 8:30
  retirement,
• 8:31
  it's
• 8:31
  your
• 8:32
  identity.
• 8:33
  So
• 8:33
  really
• 8:33
  think
• 8:34
  about
• 8:34
  what
• 8:34
  does
• 8:34
  that
• 8:34
  look
• 8:35
  for
• 8:35
  you?
• 8:36
  Because
• 8:36
  then
• 8:37
  your
• 8:37
  future
• 8:37
  is
• 8:38
  a
• 8:38
  piece
• 8:38
  of
• 8:38
  hopefulness.
• 8:39
  It
• 8:40
  doesn't
• 8:40
  feel
• 8:40
  like
• 8:40
  this
• 8:41
  heavy
• 8:41
  weight
• 8:41
  on
• 8:42
  top
• 8:42
  of
• 8:42
  you.
• 8:43
  So
• 8:43
  again,
• 8:43
  that's
• 8:43
  my
• 8:43
  one
• 8:44
  action
• 8:44
  step
• 8:44
  for
• 8:44
  them.
• 8:44
  I'm
• 8:44
  going
• 8:44
  to
• 8:44
  encourage
• 8:45
  you
• 8:45
  to
• 8:45
  just
• 8:45
  pray
• 8:45
  about
• 8:45
  it
• 8:46
  and
• 8:46
  say,
• 8:46
  God,
• 8:46
  what
• 8:47
  would
• 8:47
  you
• 8:47
  have
• 8:47
  for
• 8:48
  this
• 8:48
  next
• 8:48
  season
• 8:48
  of
• 8:48
  my
• 8:49
  life?
• 8:49
  Well,
• 8:49
  as
• 8:49
  I'm
• 8:49
  talking
• 8:49
  about
• 8:49
  prayer,
• 8:50
  how
• 8:50
  about
• 8:50
  we
• 8:50
  pray
• 8:51
  together?
• 8:51
  Father,
• 8:52
  we
• 8:52
  just
• 8:52
  thank
• 8:52
  you
• 8:52
  for
• 8:53
  reminding
• 8:53
  us
• 8:53
  our
• 8:54
  days
• 8:54
  are
• 8:54
  in
• 8:54
  your
• 8:55
  hands.
• 8:55
  Lord,
• 8:55
  and
• 8:55
  they're
• 8:55
  numbered.
• 8:56
  We
• 8:57
  really
• 8:57
  lean
• 8:57
  into
• 8:58
  the
• 8:58
  scripture
• 8:58
  today
• 8:58
  to
• 8:59
  know
• 8:59
  that.
• 8:59
  And
• 8:59
  we
• 8:59
  ask
• 8:59
  for
• 9:00
  you
• 9:00
  to
• 9:00
  give
• 9:00
  us
• 9:00
  wisdom.
• 9:01
  As
• 9:01
  the
• 9:01
  psalmist
• 9:02
  says,
• 9:03
  give
• 9:03
  us
• 9:03
  wisdom
• 9:03
  to
• 9:04
  plan
• 9:04
  well,
• 9:04
  Lord.
• 9:05
  Give
• 9:05
  us
• 9:05
  wisdom
• 9:06
  and
• 9:06
  give
• 9:06
  us
• 9:06
  courage
• 9:07
  to
• 9:07
  trust
• 9:07
  you
• 9:07
  fully,
• 9:08
  to
• 9:08
  help
• 9:08
  us
• 9:09
  identify
• 9:09
  what
• 9:10
  you
• 9:10
  want
• 9:10
  for
• 9:10
  this
• 9:11
  next
• 9:11
  season
• 9:11
  of
• 9:11
  our
• 9:11
  life,
• 9:12
  Lord.
• 9:12
  And
• 9:12
  give
• 9:13
  us
• 9:13
  confidence
• 9:14
  that
• 9:14
  our
• 9:14
  identity
• 9:15
  is
• 9:15
  not
• 9:15
  secured
• 9:16
  in
• 9:16
  our
• 9:16
  job.
• 9:17
  It's
• 9:17
  not
• 9:17
  secured
• 9:18
  in
• 9:18
  our
• 9:18
  money,
• 9:18
  it's
• 9:18
  not
• 9:19
  secured
• 9:19
  in
• 9:19
  our
• 9:20
  retirement
• 9:20
  accounts,
• 9:21
  but
• 9:21
  it's
• 9:22
  restored
• 9:22
  and
• 9:23
  it's
• 9:23
  confidently
• 9:24
  found
• 9:24
  in
• 9:24
  you,
• 9:25
  Lord,
• 9:25
  not
• 9:25
  in
• 9:26
  our
• 9:26
  work.
• 9:26
  And
• 9:26
  we
• 9:26
  ask
• 9:26
  this
• 9:27
  in
• 9:27
  confidence
• 9:28
  in
• 9:28
  the
• 9:28
  great
• 9:28
  name
• 9:29
  of
• 9:29
  Jesus.
• 9:30
  Amen.
• 9:31
  So,
• 9:31
  as
• 9:32
  I
• 9:32
  say,
• 9:32
  retirement
• 9:33
  planning
• 9:33
  can
• 9:33
  feel
• 9:34
  overwhelming.
• 9:34
  The
• 9:35
  numbers
• 9:35
  can
• 9:35
  seem
• 9:36
  like,
• 9:36
  how
• 9:36
  many
• 9:36
  million
• 9:37
  am
• 9:37
  I
• 9:37
  going
• 9:37
  to
• 9:37
  have
• 9:37
  to
• 9:37
  save?
• 9:37
  That's
• 9:37
  one
• 9:38
  of
• 9:38
  the
• 9:38
  questions
• 9:38
  I
• 9:38
  get
• 9:38
  all
• 9:38
  the
• 9:38
  day,
• 9:39
  all
• 9:39
  the
• 9:39
  time,
• 9:40
  say,
• 9:40
  Ralph,
• 9:40
  how
• 9:40
  many
• 9:40
  million
• 9:41
  do
• 9:41
  I
• 9:41
  have
• 9:41
  to
• 9:41
  have
• 9:41
  in
• 9:41
  my
• 9:42
  retirement
• 9:42
  account
• 9:42
  when
• 9:42
  I
• 9:43
  retire?
• 9:43
  I
• 9:44
  just
• 9:44
  want
• 9:44
  to
• 9:44
  turn
• 9:44
  that
• 9:44
  on
• 9:44
  its
• 9:45
  edge
• 9:45
  today
• 9:45
  and
• 9:45
  say,
• 9:46
  let's
• 9:46
  talk
• 9:46
  about
• 9:47
  identity,
• 9:48
  because
• 9:48
  it's
• 9:49
  really
• 9:49
  about
• 9:49
  mortality
• 9:50
  and
• 9:51
  it's
• 9:51
  about
• 9:51
  identity.
• 9:52
  So,
• 9:52
  as
• 9:52
  I
• 9:52
  said
• 9:52
  to
• 9:52
  him,
• 9:53
  I
• 9:53
  encourage
• 9:53
  you
• 9:53
  again,
• 9:53
  pray
• 9:54
  first
• 9:55
  and
• 9:55
  then
• 9:55
  put
• 9:55
  your
• 9:56
  plans
• 9:56
  to
• 9:56
  work.
• 9:57
  And
• 9:57
  listen,
• 9:58
  if
• 9:58
  this
• 9:58
  show
• 9:58
  is
• 9:59
  impacting
• 9:59
  your
• 9:59
  life,
• 9:59
  if
• 9:59
  you're
• 10:00
  finding
• 10:00
  benefits
• 10:01
  from
• 10:01
  it,
• 10:01
  like
• 10:01
  today's
• 10:02
  episode
• 10:02
  is
• 10:02
  a
• 10:02
  great
• 10:02
  episode
• 10:03
  to
• 10:03
  share
• 10:03
  with
• 10:03
  anyone
• 10:04
  that
• 10:04
  you
• 10:04
  know
• 10:04
  who's
• 10:05
  going
• 10:05
  to
• 10:05
  eventually
• 10:06
  retire.
• 10:06
  And
• 10:06
  guess
• 10:06
  what?
• 10:07
  That's
• 10:07
  everybody.
• 10:08
  Everybody.
• 10:08
  What
• 10:08
  did
• 10:08
  we
• 10:09
  say
• 10:09
  about
• 10:09
  earlier?
• 10:09
  Death
• 10:10
  and
• 10:10
  taxes,
• 10:10
  two
• 10:11
  certainties
• 10:11
  in
• 10:11
  life.
• 10:11
  So
• 10:12
  I
• 10:12
  want
• 10:12
  to
• 10:12
  encourage
• 10:12
  you
• 10:12
  to
• 10:13
  share
• 10:13
  the
• 10:13
  show
• 10:13
  with
• 10:13
  somebody
• 10:14
  who
• 10:14
  may
• 10:14
  need
• 10:15
  a
• 10:15
  little
• 10:15
  help.
• 10:15
  You
• 10:16
  can
• 10:16
  do
• 10:16
  that
• 10:16
  by
• 10:16
  sending
• 10:17
  them
• 10:17
  a
• 10:17
  text,
• 10:17
  send
• 10:17
  them
• 10:17
  an
• 10:18
  email,
• 10:18
  and
• 10:18
  just
• 10:18
  point
• 10:19
  them
• 10:19
  right
• 10:19
  to
• 10:19
  our
• 10:19
  website.
• 10:20
  That's
• 10:20
  financially
• 10:21
  confidentchristian.com.
• 10:23
  and
• 10:23
  hey,
• 10:23
  while
• 10:23
  you're
• 10:23
  there,
• 10:24
  I've
• 10:24
  got
• 10:24
  something
• 10:24
  great.
• 10:25
  I'm
• 10:25
  going
• 10:25
  to
• 10:25
  give
• 10:25
  you
• 10:26
  a
• 10:26
  free
• 10:26
  copy
• 10:26
  of
• 10:27
  my
• 10:27
  latest
• 10:27
  book.
• 10:28
  It's
• 10:28
  called
• 10:28
  Becoming
• 10:29
  a
• 10:29
  Financially
• 10:29
  Competent
• 10:30
  Christian.
• 10:30
  It's
• 10:30
  yours
• 10:31
  absolutely
• 10:31
  free.
• 10:31
  The
• 10:32
  only
• 10:32
  thing
• 10:32
  you
• 10:32
  need
• 10:32
  to
• 10:32
  do
• 10:32
  is
• 10:33
  go
• 10:33
  to
• 10:33
  this
• 10:33
  website
• 10:34
  and
• 10:34
  it's
• 10:34
  financially
• 10:35
  confidentchristian.com
• 10:38
  becoming.
• 10:38
  I'm
• 10:38
  gonna
• 10:39
  give
• 10:39
  it
• 10:39
  to
• 10:39
  you
• 10:39
  one
• 10:39
  more
• 10:39
  time.
• 10:40
  That's
• 10:40
  financiallyconfidentchristian.com
• 10:43
  becoming.
• 10:44
  And
• 10:44
  you
• 10:44
  can
• 10:44
  download
• 10:45
  a
• 10:45
  free
• 10:45
  copy
• 10:45
  of
• 10:45
  my
• 10:45
  book
• 10:45
  and,
• 10:46
  hey,
• 10:46
  share
• 10:46
  it
• 10:46
  with
• 10:47
  everybody.
• 10:47
  You
• 10:47
  know,
• 10:48
  the
• 10:48
  more
• 10:48
  the
• 10:48
  merrier.
• 10:49
  My
• 10:49
  goal
• 10:50
  here
• 10:50
  is
• 10:50
  to
• 10:50
  help
• 10:50
  people
• 10:51
  break
• 10:51
  that
• 10:52
  cycle
• 10:52
  of
• 10:52
  financial
• 10:53
  shame
• 10:53
  and
• 10:54
  start
• 10:54
  to
• 10:54
  live
• 10:54
  in
• 10:54
  confidence
• 10:55
  and
• 10:55
  start
• 10:55
  to
• 10:56
  live
• 10:56
  in
• 10:56
  confidence
• 10:56
  in
• 10:56
  retirement.
• 10:57
  Now,
• 10:58
  tomorrow,
• 10:58
  we're
• 10:58
  gonna
• 10:58
  have
• 10:58
  another
• 10:59
  great
• 10:59
  show.
• 10:59
  We're
• 10:59
  gonna
• 10:59
  get
• 10:59
  more
• 11:00
  practical.
• 11:00
  Tomorrow
• 11:01
  I
• 11:01
  got
• 11:01
  some
• 11:01
  interesting
• 11:02
  ways
• 11:02
  to
• 11:03
  save
• 11:03
  money
• 11:03
  on
• 11:03
  utilities
• 11:04
  without
• 11:05
  sacrificing
• 11:05
  your
• 11:06
  I'm
• 11:06
  not
• 11:06
  going
• 11:07
  to
• 11:07
  tell
• 11:07
  you
• 11:07
  to
• 11:07
  put
• 11:07
  on
• 11:07
  heavy
• 11:08
  blankets
• 11:08
  or
• 11:09
  to
• 11:09
  live
• 11:09
  at
• 11:09
  90
• 11:09
  degrees
• 11:10
  weather.
• 11:10
  That's
• 11:10
  not
• 11:10
  what
• 11:11
  I'm
• 11:11
  talking
• 11:11
  about
• 11:11
  at
• 11:11
  all.
• 11:11
  So
• 11:12
  make
• 11:12
  sure
• 11:12
  you
• 11:12
  join
• 11:12
  in
• 11:13
  to
• 11:13
  tomorrow's
• 11:14
  show.
• 11:14
  Now,
• 11:14
  I
• 11:14
  just
• 11:15
  want
• 11:15
  to
• 11:15
  encourage
• 11:15
  you,
• 11:15
  let's
• 11:16
  all
• 11:16
  go
• 11:16
  out
• 11:16
  there
• 11:16
  today
• 11:17
  and
• 11:17
  be
• 11:17
  financially
• 11:18
  confident
• 11:18
  Christians.
• 11:19
  I
• 11:19
  have
• 11:20
  confidence
• 11:20
  in
• 11:20
  you.
• 11:21
  Have
• 11:21
  confidence
• 11:21
  in
• 11:22
  yourself.
• 11:22
  Stay
• 11:23
  financially
• 11:23
  savvy.
• 11:24
  God
• 11:24
  bless
• 11:24
  you.
• 11:24
  And
• 11:25
  you
• 11:25
  have
• 11:25
  a
• 11:25
  great
• 11:25
  day
• 11:26
  today.