Latest / Becoming Financially Confident / What’s One Thing I Can Do in 30 Minutes to Feel Less Behind Financially?

Transcript

What’s One Thing I Can Do in 30 Minutes to Feel Less Behind Financially? · Becoming Financially Confident

• 0:37
  If
• 0:37
  you
• 0:37
  feel
• 0:38
  behind
• 0:38
  financially,
• 0:39
  everything
• 0:40
  starts
• 0:40
  to
• 0:40
  feel
• 0:41
  heavy.
• 0:42
  Even
• 0:42
  those
• 0:43
  small
• 0:43
  decisions
• 0:44
  feel
• 0:44
  exhausting.
• 0:45
  And
• 0:46
  you
• 0:46
  don't
• 0:46
  need
• 0:46
  a
• 0:46
  full
• 0:47
  budget
• 0:47
  today.
• 0:48
  You
• 0:48
  don't
• 0:48
  need
• 0:49
  some
• 0:49
  spreadsheet
• 0:49
  or
• 0:50
  a
• 0:50
  total
• 0:50
  life
• 0:50
  reset.
• 0:52
  You
• 0:52
  just
• 0:52
  need
• 0:52
  a
• 0:53
  win.
• 0:54
  I
• 0:54
  mean,
• 0:54
  a
• 0:54
  real
• 0:55
  win,
• 0:56
  something
• 0:56
  you
• 0:56
  can
• 0:57
  do
• 0:57
  in
• 0:57
  30
• 0:57
  minutes
• 0:58
  that
• 0:58
  makes
• 0:58
  you
• 0:58
  feel
• 0:58
  steadier
• 1:00
  and
• 1:00
  remind
• 1:00
  you
• 1:00
  of
• 1:01
  something.
• 1:02
  I'm
• 1:02
  not
• 1:02
  stuck
• 1:04
  moving.
• 1:05
  Let's
• 1:05
  do
• 1:06
  that
• 1:06
  on
• 1:06
  today's
• 1:06
  show.
• 1:28
  Hello,
• 1:29
  friend
• 1:29
  Ralph
• 1:30
  Estep
• 1:30
  Jr.
• 1:30
  Here.
• 1:31
  This
• 1:31
  is
• 1:32
  financially
• 1:32
  confident
• 1:33
  Christian,
• 1:34
  where
• 1:34
  every
• 1:34
  day
• 1:35
  my
• 1:35
  goal
• 1:35
  is
• 1:35
  to
• 1:36
  help
• 1:36
  you
• 1:36
  break
• 1:36
  that
• 1:36
  cycle
• 1:37
  of
• 1:37
  financial
• 1:38
  shame
• 1:39
  and
• 1:39
  truly
• 1:39
  live
• 1:40
  in
• 1:40
  confidence.
• 1:41
  And
• 1:41
  today's
• 1:42
  topic
• 1:42
  is
• 1:42
  all
• 1:42
  about
• 1:43
  building
• 1:43
  that
• 1:43
  confidence.
• 1:44
  Just
• 1:44
  one
• 1:45
  thing
• 1:45
  you
• 1:45
  can
• 1:45
  do
• 1:46
  in
• 1:46
  30
• 1:46
  minutes
• 1:47
  to
• 1:48
  feel
• 1:48
  less
• 1:48
  behind
• 1:49
  financially.
• 1:50
  Let's
• 1:50
  get
• 1:50
  right
• 1:51
  into
• 1:51
  today's
• 1:51
  listener
• 1:52
  question.
• 1:53
  Here's
• 1:53
  today's
• 1:53
  listener's
• 1:54
  questions.
• 1:54
  Ralph
• 1:55
  I'm
• 1:55
  so
• 1:56
  far
• 1:56
  behind
• 1:57
  and
• 1:58
  I
• 1:58
  just
• 1:58
  need
• 1:58
  to
• 1:58
  feel
• 1:59
  like
• 1:59
  I'm
• 1:59
  doing
• 2:00
  something
• 2:00
  right.
• 2:01
  I
• 2:02
  don't
• 2:02
  have
• 2:02
  the
• 2:02
  energy
• 2:02
  or
• 2:03
  time
• 2:03
  for
• 2:03
  a
• 2:03
  complete
• 2:04
  overhaul.
• 2:05
  I
• 2:05
  just
• 2:06
  need
• 2:06
  one
• 2:06
  small
• 2:06
  win
• 2:07
  in
• 2:07
  the
• 2:07
  next
• 2:07
  half
• 2:08
  hour
• 2:08
  that'll
• 2:09
  make
• 2:09
  me
• 2:09
  feel
• 2:09
  less
• 2:10
  like
• 2:10
  I'm
• 2:10
  drowning.
• 2:11
  What
• 2:12
  is
• 2:12
  one
• 2:12
  thing
• 2:13
  I
• 2:13
  can
• 2:13
  do
• 2:13
  right
• 2:13
  now
• 2:14
  that'll
• 2:14
  actually
• 2:15
  make
• 2:15
  my
• 2:15
  finances
• 2:16
  feel
• 2:16
  steadier?
• 2:18
  Any
• 2:19
  progress,
• 2:20
  even
• 2:20
  if
• 2:21
  it's
• 2:21
  tiny?
• 2:24
  I
• 2:24
  was
• 2:24
  so
• 2:25
  happy
• 2:25
  to
• 2:25
  get
• 2:25
  that
• 2:25
  question
• 2:26
  because
• 2:27
  I
• 2:27
  think
• 2:27
  so
• 2:27
  many
• 2:27
  times
• 2:28
  we
• 2:28
  get
• 2:28
  hung
• 2:28
  up
• 2:28
  on
• 2:29
  the
• 2:29
  big
• 2:29
  goals
• 2:30
  of
• 2:30
  life,
• 2:30
  those
• 2:31
  big
• 2:31
  financial
• 2:32
  goals
• 2:32
  of
• 2:32
  retirement
• 2:33
  and
• 2:34
  savings
• 2:34
  and
• 2:34
  buying
• 2:35
  a
• 2:35
  home,
• 2:35
  buying
• 2:36
  a
• 2:36
  car.
• 2:37
  We
• 2:38
  don't
• 2:38
  think
• 2:38
  about
• 2:38
  those
• 2:39
  little
• 2:39
  wins
• 2:39
  that
• 2:40
  help
• 2:40
  to
• 2:40
  fuel
• 2:40
  that
• 2:41
  progress.
• 2:43
  And
• 2:43
  one
• 2:43
  of
• 2:43
  the
• 2:43
  things
• 2:44
  that
• 2:44
  I
• 2:44
  think
• 2:44
  really
• 2:45
  leans
• 2:45
  into
• 2:45
  this
• 2:45
  is
• 2:46
  what
• 2:46
  I
• 2:46
  call
• 2:46
  clarity.
• 2:48
  You
• 2:48
  listen
• 2:48
  to
• 2:48
  my
• 2:49
  show.
• 2:49
  You
• 2:49
  know,
• 2:49
  I
• 2:49
  talk
• 2:49
  about
• 2:49
  clarity
• 2:50
  all
• 2:50
  the
• 2:50
  time.
• 2:51
  Clarity
• 2:52
  creates
• 2:53
  calm
• 2:53
  even
• 2:53
  before
• 2:54
  the
• 2:54
  money
• 2:54
  changes.
• 2:56
  So
• 2:56
  today
• 2:56
  I
• 2:56
  want
• 2:56
  to
• 2:56
  give
• 2:57
  you
• 2:57
  a
• 2:57
  very
• 2:57
  practical
• 2:58
  tool.
• 2:58
  It's
• 2:59
  what
• 2:59
  I
• 2:59
  call
• 2:59
  the
• 2:59
  30
• 3:00
  minute
• 3:00
  money
• 3:01
  snapshot.
• 3:02
  This
• 3:02
  isn't
• 3:02
  some
• 3:03
  fancy
• 3:03
  budget.
• 3:04
  It's
• 3:04
  just
• 3:04
  a
• 3:05
  snapshot.
• 3:06
  We're
• 3:07
  not
• 3:07
  trying
• 3:07
  to
• 3:07
  fix
• 3:07
  everything.
• 3:08
  We're
• 3:09
  just
• 3:09
  going
• 3:09
  to
• 3:09
  turn
• 3:09
  the
• 3:10
  lights
• 3:10
  on
• 3:10
  in
• 3:10
  the
• 3:10
  room
• 3:10
  so
• 3:11
  we
• 3:11
  can
• 3:11
  see
• 3:11
  what's
• 3:11
  going
• 3:12
  on.
• 3:12
  And,
• 3:13
  and
• 3:13
  here's
• 3:13
  how
• 3:13
  you
• 3:13
  do
• 3:14
  it.
• 3:14
  Number
• 3:14
  one
• 3:14
  thing,
• 3:15
  get
• 3:15
  yourself
• 3:16
  an
• 3:16
  egg
• 3:17
  timer
• 3:17
  or
• 3:17
  some
• 3:17
  kind
• 3:18
  of
• 3:18
  countdown.
• 3:19
  Set
• 3:19
  a
• 3:19
  timer
• 3:20
  for
• 3:20
  30
• 3:20
  minutes,
• 3:22
  not
• 3:22
  when
• 3:22
  I
• 3:22
  feel
• 3:23
  like
• 3:23
  it,
• 3:23
  not
• 3:23
  later.
• 3:24
  Set
• 3:24
  that
• 3:25
  timer
• 3:25
  right
• 3:26
  now
• 3:26
  when
• 3:26
  you're
• 3:26
  ready
• 3:27
  to
• 3:27
  do
• 3:27
  this.
• 3:28
  Because
• 3:28
  time
• 3:29
  boundaries
• 3:29
  reduce
• 3:30
  that
• 3:30
  overwhelm.
• 3:31
  This
• 3:32
  is
• 3:32
  a
• 3:32
  short
• 3:32
  mission,
• 3:33
  not
• 3:33
  a
• 3:33
  life
• 3:34
  sentence.
• 3:34
  So
• 3:34
  find
• 3:35
  30
• 3:35
  minutes,
• 3:36
  put
• 3:36
  it
• 3:36
  on
• 3:36
  your
• 3:37
  calendar,
• 3:38
  and
• 3:38
  I'm
• 3:38
  telling
• 3:39
  you,
• 3:39
  invest
• 3:40
  30
• 3:40
  minutes
• 3:41
  in
• 3:41
  yourself.
• 3:43
  Once
• 3:43
  you
• 3:43
  do
• 3:44
  that,
• 3:44
  here's
• 3:44
  what
• 3:44
  you're
• 3:45
  going
• 3:45
  to
• 3:45
  do
• 3:45
  during
• 3:45
  that
• 3:45
  30
• 3:45
  minutes.
• 3:46
  I
• 3:46
  want
• 3:47
  you
• 3:47
  to
• 3:47
  write
• 3:47
  down
• 3:48
  three
• 3:48
  numbers
• 3:49
  only.
• 3:49
  Just
• 3:49
  get
• 3:49
  a
• 3:50
  piece
• 3:50
  of
• 3:50
  paper.
• 3:50
  If
• 3:51
  you
• 3:51
  want
• 3:51
  to
• 3:51
  use
• 3:51
  your
• 3:51
  notes
• 3:52
  app,
• 3:52
  that
• 3:52
  fine,
• 3:53
  doesn't
• 3:53
  matter
• 3:53
  to
• 3:53
  me.
• 3:54
  I
• 3:54
  just
• 3:54
  want
• 3:55
  you
• 3:55
  to
• 3:55
  write
• 3:55
  three
• 3:55
  numbers.
• 3:57
  I
• 3:57
  want
• 3:57
  you
• 3:57
  to
• 3:57
  write
• 3:58
  down
• 3:58
  the
• 3:58
  money
• 3:58
  you
• 3:58
  have
• 3:59
  right
• 3:59
  now,
• 4:00
  what's
• 4:00
  in
• 4:00
  your
• 4:00
  checking
• 4:01
  account,
• 4:01
  what's
• 4:02
  in
• 4:02
  your
• 4:02
  savings
• 4:02
  account,
• 4:03
  whatever
• 4:03
  account
• 4:04
  you
• 4:04
  have.
• 4:04
  Write
• 4:05
  down
• 4:05
  the
• 4:05
  money
• 4:05
  you
• 4:06
  have
• 4:06
  right
• 4:06
  now.
• 4:07
  Second
• 4:08
  step,
• 4:09
  write
• 4:09
  down
• 4:09
  the
• 4:09
  bills
• 4:10
  that
• 4:10
  are
• 4:10
  due
• 4:10
  in
• 4:10
  the
• 4:11
  next
• 4:11
  seven
• 4:11
  days.
• 4:12
  Only
• 4:12
  the
• 4:13
  next
• 4:13
  seven
• 4:13
  days.
• 4:13
  I'm
• 4:14
  not
• 4:14
  talking
• 4:14
  about
• 4:14
  two
• 4:15
  weeks
• 4:15
  from
• 4:15
  now,
• 4:15
  a
• 4:16
  month
• 4:16
  from
• 4:16
  now,
• 4:17
  that
• 4:17
  mountain
• 4:18
  you
• 4:18
  see
• 4:18
  in
• 4:18
  front
• 4:18
  of
• 4:18
  it.
• 4:19
  Just
• 4:19
  seven
• 4:20
  days.
• 4:21
  And
• 4:21
  then
• 4:22
  write
• 4:22
  down
• 4:22
  the
• 4:22
  minimum
• 4:23
  payments
• 4:23
  you've
• 4:23
  got
• 4:24
  to
• 4:24
  make
• 4:24
  for
• 4:24
  your
• 4:25
  credit
• 4:25
  cards.
• 4:26
  I'm
• 4:26
  talking
• 4:26
  about
• 4:27
  the
• 4:27
  minimums,
• 4:27
  the
• 4:28
  loan
• 4:28
  minimums,
• 4:29
  not
• 4:29
  the
• 4:29
  big,
• 4:29
  hairy,
• 4:30
  audacious
• 4:30
  goals
• 4:31
  of
• 4:31
  paying
• 4:31
  it
• 4:31
  off.
• 4:32
  That's
• 4:32
  it.
• 4:33
  This
• 4:33
  isn't
• 4:34
  a
• 4:34
  time
• 4:34
  of
• 4:34
  doing
• 4:34
  math
• 4:35
  gymnastics.
• 4:36
  You're
• 4:36
  just
• 4:36
  looking
• 4:37
  at
• 4:37
  reality
• 4:38
  and
• 4:38
  you're
• 4:38
  seeing
• 4:39
  with
• 4:39
  clarity
• 4:39
  where
• 4:40
  you
• 4:40
  are.
• 4:41
  So
• 4:41
  you've
• 4:41
  got
• 4:41
  the
• 4:42
  idea.
• 4:42
  Set
• 4:42
  that
• 4:42
  timer,
• 4:43
  break
• 4:43
  down
• 4:44
  those
• 4:44
  three
• 4:44
  things
• 4:45
  and
• 4:45
  encircle
• 4:46
  one
• 4:46
  must
• 4:47
  pay
• 4:47
  bill.
• 4:48
  Pick
• 4:48
  that
• 4:49
  bill
• 4:49
  that
• 4:49
  causes
• 4:49
  the
• 4:50
  most
• 4:50
  damage
• 4:50
  if
• 4:50
  it
• 4:51
  gets
• 4:51
  missed.
• 4:52
  A
• 4:52
  lot
• 4:53
  of
• 4:53
  us
• 4:53
  will
• 4:53
  be
• 4:53
  off
• 4:54
  rent
• 4:54
  or
• 4:54
  our
• 4:54
  mortgage.
• 4:55
  We
• 4:55
  don't
• 4:55
  want
• 4:55
  to
• 4:55
  be
• 4:55
  homeless.
• 4:56
  Or
• 4:56
  that
• 4:57
  electric
• 4:57
  bill
• 4:57
  you
• 4:57
  don't
• 4:58
  want
• 4:58
  to
• 4:58
  be.
• 4:58
  No
• 4:58
  lights
• 4:58
  on
• 4:59
  in
• 4:59
  the
• 4:59
  middle
• 4:59
  of
• 4:59
  the
• 4:59
  day.
• 5:00
  Maybe
• 5:00
  it's
• 5:01
  that
• 5:01
  car
• 5:01
  payment.
• 5:01
  You
• 5:01
  got
• 5:02
  to
• 5:02
  have
• 5:02
  that
• 5:02
  car
• 5:02
  to
• 5:02
  get
• 5:02
  to
• 5:03
  and
• 5:03
  from
• 5:03
  work.
• 5:04
  Maybe
• 5:04
  it's
• 5:05
  insurance
• 5:05
  or
• 5:06
  that
• 5:06
  critical
• 5:06
  minimum
• 5:07
  payment
• 5:07
  because
• 5:07
  you
• 5:07
  don't
• 5:07
  want
• 5:07
  to
• 5:08
  wreck
• 5:08
  that
• 5:08
  credit
• 5:08
  score
• 5:09
  again.
• 5:10
  But
• 5:10
  just
• 5:10
  circle
• 5:11
  one
• 5:11
  of
• 5:11
  those
• 5:11
  must
• 5:12
  pay
• 5:12
  bills.
• 5:13
  Because
• 5:14
  progress
• 5:14
  starts
• 5:15
  with
• 5:15
  one
• 5:15
  protected
• 5:16
  domino.
• 5:17
  Ever
• 5:17
  set
• 5:18
  up
• 5:18
  dominoes?
• 5:18
  I
• 5:18
  remember
• 5:18
  as
• 5:19
  a
• 5:19
  kid,
• 5:19
  I
• 5:19
  thought
• 5:19
  dominoes
• 5:20
  were
• 5:20
  cool.
• 5:20
  You
• 5:21
  set
• 5:21
  up,
• 5:21
  you
• 5:21
  get
• 5:21
  about
• 5:21
  200
• 5:22
  of
• 5:22
  these
• 5:22
  dominoes,
• 5:23
  and
• 5:23
  you
• 5:23
  set
• 5:23
  one
• 5:23
  after
• 5:23
  another,
• 5:24
  and
• 5:24
  you
• 5:24
  just
• 5:25
  barely
• 5:25
  touch
• 5:25
  that
• 5:25
  first
• 5:26
  one.
• 5:26
  It
• 5:26
  goes,
• 5:29
  well,
• 5:29
  that's
• 5:29
  what
• 5:29
  I'm
• 5:29
  talking
• 5:30
  about
• 5:30
  here.
• 5:31
  You
• 5:31
  want
• 5:31
  to
• 5:31
  have
• 5:31
  that
• 5:32
  win?
• 5:33
  Well,
• 5:33
  create
• 5:33
  that
• 5:34
  one
• 5:34
  domino,
• 5:36
  and
• 5:36
  then
• 5:36
  once
• 5:36
  you
• 5:36
  do
• 5:36
  that,
• 5:37
  choose
• 5:37
  one
• 5:37
  action
• 5:38
  that
• 5:38
  protects
• 5:38
  that
• 5:39
  bill.
• 5:40
  Just
• 5:40
  one
• 5:40
  action.
• 5:41
  For
• 5:41
  example,
• 5:42
  you
• 5:42
  could
• 5:42
  schedule
• 5:43
  that
• 5:43
  payment
• 5:43
  right
• 5:44
  now.
• 5:44
  You've
• 5:44
  circled
• 5:45
  that
• 5:45
  bill.
• 5:45
  You
• 5:45
  know,
• 5:45
  this
• 5:45
  one
• 5:46
  is.
• 5:46
  It's
• 5:46
  got
• 5:46
  to
• 5:46
  get
• 5:47
  done.
• 5:47
  Go
• 5:47
  ahead
• 5:47
  and
• 5:48
  schedule
• 5:48
  it.
• 5:48
  I'm
• 5:49
  a
• 5:49
  big
• 5:49
  proponent
• 5:50
  of
• 5:50
  electronic
• 5:51
  bill
• 5:51
  payment
• 5:51
  or
• 5:52
  going
• 5:52
  online
• 5:52
  and
• 5:53
  scheduling
• 5:53
  that.
• 5:54
  Maybe
• 5:54
  you're
• 5:55
  in
• 5:55
  a
• 5:55
  place
• 5:55
  where
• 5:55
  you
• 5:55
  need
• 5:56
  some
• 5:56
  help.
• 5:56
  Make
• 5:57
  that
• 5:57
  call
• 5:57
  right
• 5:58
  now
• 5:58
  and
• 5:58
  ask
• 5:58
  for
• 5:59
  an
• 5:59
  extension
• 5:59
  of
• 5:59
  that
• 6:00
  bill.
• 6:01
  Maybe
• 6:01
  you
• 6:01
  move
• 6:01
  the
• 6:01
  money
• 6:02
  into
• 6:02
  that
• 6:02
  bills
• 6:02
  account.
• 6:03
  If
• 6:03
  you've
• 6:03
  listened
• 6:03
  to
• 6:03
  me,
• 6:03
  we
• 6:04
  talked
• 6:04
  about
• 6:04
  having
• 6:05
  a
• 6:05
  separate
• 6:05
  bills
• 6:06
  account
• 6:06
  or
• 6:06
  a
• 6:06
  separate
• 6:07
  bills
• 6:07
  folder.
• 6:09
  Maybe
• 6:09
  you're
• 6:09
  struggling
• 6:10
  right
• 6:10
  now
• 6:10
  and
• 6:10
  it's
• 6:10
  time
• 6:11
  to
• 6:11
  think
• 6:11
  about
• 6:11
  being
• 6:11
  a
• 6:12
  little
• 6:12
  leaner.
• 6:13
  Maybe
• 6:13
  cancel
• 6:14
  one
• 6:14
  of
• 6:14
  those
• 6:14
  non
• 6:14
  essential
• 6:15
  subscriptions.
• 6:17
  Maybe
• 6:17
  things
• 6:17
  are
• 6:17
  real
• 6:18
  tight.
• 6:18
  You
• 6:18
  need
• 6:18
  to
• 6:18
  sell
• 6:19
  something
• 6:19
  today.
• 6:20
  There's
• 6:20
  no
• 6:20
  shame
• 6:21
  in
• 6:21
  that.
• 6:22
  Sell
• 6:22
  one
• 6:22
  item
• 6:23
  today
• 6:23
  to
• 6:23
  get
• 6:23
  that
• 6:24
  pressure
• 6:24
  away
• 6:25
  from
• 6:25
  you.
• 6:26
  Maybe
• 6:26
  text
• 6:27
  one
• 6:27
  of
• 6:27
  your
• 6:27
  friends,
• 6:28
  a
• 6:28
  person
• 6:28
  you
• 6:28
  rely
• 6:29
  on,
• 6:29
  and
• 6:29
  say,
• 6:29
  hey,
• 6:30
  can
• 6:30
  you
• 6:30
  help
• 6:30
  me
• 6:30
  brainstorm
• 6:31
  $50
• 6:32
  by
• 6:32
  Friday?
• 6:32
  I
• 6:33
  got
• 6:33
  this
• 6:33
  bill
• 6:33
  coming
• 6:33
  up
• 6:33
  and
• 6:34
  I'm
• 6:34
  not
• 6:34
  sure
• 6:34
  how
• 6:34
  I'm
• 6:34
  going
• 6:34
  to
• 6:35
  do
• 6:35
  it.
• 6:36
  Use
• 6:36
  the
• 6:36
  resources
• 6:37
  at
• 6:37
  your
• 6:38
  disposal.
• 6:39
  I'm
• 6:40
  not
• 6:40
  trying
• 6:40
  to
• 6:40
  help
• 6:40
  you
• 6:40
  solve
• 6:41
  your
• 6:41
  whole
• 6:41
  life.
• 6:41
  There's
• 6:42
  a
• 6:42
  lot
• 6:42
  going
• 6:42
  on
• 6:42
  probably
• 6:43
  in
• 6:43
  most
• 6:43
  of
• 6:43
  our
• 6:43
  lives.
• 6:44
  But
• 6:45
  I
• 6:45
  want
• 6:45
  to
• 6:45
  help
• 6:45
  you
• 6:45
  protect
• 6:46
  one
• 6:46
  bill
• 6:47
  and
• 6:47
  start
• 6:48
  to
• 6:48
  regain
• 6:48
  some
• 6:48
  control.
• 6:50
  And
• 6:50
  once
• 6:50
  you've
• 6:51
  done
• 6:51
  that,
• 6:52
  then
• 6:52
  I
• 6:52
  want
• 6:52
  to
• 6:52
  encourage
• 6:53
  you
• 6:53
  to
• 6:53
  create
• 6:53
  a
• 6:53
  next
• 6:54
  step
• 6:54
  list.
• 6:56
  And
• 6:56
  on
• 6:56
  that
• 6:56
  thing,
• 6:57
  I
• 6:57
  just
• 6:57
  want
• 6:57
  you
• 6:57
  to
• 6:57
  put
• 6:57
  two
• 6:58
  items.
• 6:59
  Just
• 6:59
  write
• 6:59
  down
• 7:00
  the
• 7:00
  next
• 7:00
  two
• 7:01
  steps
• 7:01
  you're
• 7:01
  going
• 7:01
  to
• 7:02
  do
• 7:02
  tomorrow.
• 7:03
  Not
• 7:03
  10
• 7:04
  things,
• 7:04
  not
• 7:05
  a
• 7:05
  big
• 7:05
  old
• 7:05
  long
• 7:06
  list.
• 7:07
  For
• 7:07
  example,
• 7:07
  just
• 7:07
  two
• 7:08
  things,
• 7:09
  maybe
• 7:09
  for
• 7:10
  you.
• 7:10
  You're
• 7:10
  going
• 7:10
  to
• 7:10
  check
• 7:10
  my
• 7:11
  next
• 7:11
  pay
• 7:11
  date.
• 7:12
  Well,
• 7:12
  when's
• 7:12
  my
• 7:13
  next
• 7:13
  payroll
• 7:13
  coming
• 7:14
  so
• 7:14
  I'll
• 7:14
  know
• 7:15
  what
• 7:15
  to
• 7:15
  do.
• 7:15
  Because
• 7:15
  if
• 7:15
  you
• 7:15
  plan
• 7:16
  ahead
• 7:16
  of
• 7:16
  time,
• 7:17
  you'll
• 7:17
  be
• 7:17
  more
• 7:18
  successful.
• 7:19
  Or
• 7:19
  maybe
• 7:19
  list
• 7:20
  the
• 7:20
  next
• 7:20
  three
• 7:20
  bills
• 7:21
  that
• 7:21
  are
• 7:21
  going
• 7:21
  to
• 7:21
  hit
• 7:21
  after
• 7:21
  this
• 7:22
  Friday.
• 7:23
  Because
• 7:23
  what
• 7:23
  I
• 7:24
  have
• 7:24
  found
• 7:24
  in
• 7:24
  practice
• 7:25
  and
• 7:25
  in
• 7:25
  my
• 7:25
  own
• 7:25
  life,
• 7:25
  those
• 7:26
  small
• 7:26
  steps
• 7:27
  build
• 7:28
  trust
• 7:28
  with
• 7:28
  yourself
• 7:29
  again.
• 7:29
  And
• 7:29
  that's
• 7:29
  where
• 7:29
  we've
• 7:30
  got
• 7:30
  to
• 7:30
  start.
• 7:31
  Your
• 7:31
  question
• 7:32
  today
• 7:32
  tells
• 7:32
  me
• 7:32
  you
• 7:32
  don't
• 7:33
  trust
• 7:33
  yourself.
• 7:34
  Your
• 7:34
  question
• 7:35
  tells
• 7:35
  me
• 7:35
  you
• 7:35
  need
• 7:35
  that
• 7:36
  winning.
• 7:36
  You
• 7:36
  need
• 7:36
  something
• 7:37
  to
• 7:37
  just
• 7:37
  say,
• 7:37
  you
• 7:37
  know,
• 7:37
  I'm
• 7:38
  going
• 7:38
  to
• 7:38
  be
• 7:38
  okay.
• 7:40
  And
• 7:40
  listen,
• 7:40
  hear
• 7:40
  me
• 7:41
  on
• 7:41
  this.
• 7:41
  You
• 7:41
  don't
• 7:41
  need
• 7:41
  to
• 7:41
  be
• 7:42
  perfect.
• 7:43
  You
• 7:43
  just
• 7:43
  need
• 7:44
  some
• 7:44
  direction.
• 7:46
  So
• 7:46
  here's
• 7:46
  my
• 7:46
  encouragement,
• 7:47
  my
• 7:47
  one
• 7:47
  win
• 7:48
  for
• 7:48
  today.
• 7:49
  I
• 7:49
  want
• 7:49
  to
• 7:49
  really
• 7:49
  encourage
• 7:50
  you.
• 7:50
  Do
• 7:50
  that
• 7:50
  30
• 7:51
  minute
• 7:51
  money
• 7:51
  snapshot.
• 7:53
  Like
• 7:53
  I
• 7:53
  said,
• 7:54
  three
• 7:54
  numbers,
• 7:55
  one
• 7:55
  must
• 7:55
  pay
• 7:56
  bill
• 7:56
  and
• 7:56
  one
• 7:56
  protective
• 7:57
  action.
• 7:58
  Because
• 7:58
  that's
• 7:59
  progress,
• 8:00
  that's
• 8:01
  leadership,
• 8:02
  and
• 8:02
  that's
• 8:03
  truly
• 8:03
  biblical
• 8:04
  stewardship.
• 8:05
  Well,
• 8:05
  let's
• 8:06
  look
• 8:06
  at
• 8:06
  the
• 8:06
  Bible
• 8:06
  right
• 8:06
  now.
• 8:07
  Let's
• 8:07
  look
• 8:07
  at
• 8:07
  the
• 8:07
  Book
• 8:07
  of
• 8:07
  Matthew,
• 8:08
  chapter
• 8:09
  6,
• 8:09
  verse
• 8:10
  34.
• 8:11
  This
• 8:12
  is
• 8:12
  one
• 8:12
  of
• 8:12
  those
• 8:12
  verses
• 8:13
  that
• 8:13
  you've
• 8:13
  got
• 8:13
  to
• 8:14
  guard
• 8:14
  your
• 8:14
  heart
• 8:14
  in
• 8:15
  and
• 8:15
  just
• 8:15
  anchor
• 8:15
  yourself
• 8:16
  in
• 8:16
  this.
• 8:17
  Matthew
• 8:17
  6:34.
• 8:19
  Therefore,
• 8:19
  do
• 8:19
  not
• 8:20
  worry
• 8:20
  about
• 8:20
  tomorrow,
• 8:22
  for
• 8:22
  tomorrow
• 8:22
  will
• 8:23
  worry
• 8:23
  about
• 8:23
  itself.
• 8:25
  Each
• 8:25
  day
• 8:25
  has
• 8:25
  enough
• 8:26
  trouble
• 8:26
  of
• 8:26
  its
• 8:27
  own.
• 8:28
  That
• 8:29
  is
• 8:29
  so
• 8:29
  true,
• 8:29
  isn't
• 8:30
  it?
• 8:31
  But
• 8:31
  what
• 8:32
  God
• 8:32
  is
• 8:32
  calling
• 8:32
  us
• 8:32
  to
• 8:33
  do
• 8:33
  is
• 8:33
  to
• 8:33
  handle
• 8:34
  today
• 8:34
  faithfully,
• 8:36
  not
• 8:36
  carry
• 8:37
  tomorrow's
• 8:37
  weight
• 8:38
  all
• 8:38
  at
• 8:38
  once.
• 8:38
  Because
• 8:38
  let
• 8:39
  me
• 8:39
  tell
• 8:39
  you,
• 8:39
  friend,
• 8:40
  you
• 8:40
  can't
• 8:40
  do
• 8:40
  it.
• 8:42
  God's
• 8:42
  given
• 8:43
  you
• 8:43
  enough
• 8:43
  for
• 8:43
  today
• 8:45
  and
• 8:45
  he's
• 8:45
  with
• 8:45
  you
• 8:45
  in
• 8:46
  this
• 8:46
  whole
• 8:46
  cycle.
• 8:46
  How
• 8:47
  about
• 8:47
  we
• 8:47
  pray
• 8:47
  right
• 8:47
  now,
• 8:49
  Father
• 8:49
  God,
• 8:51
  today's
• 8:52
  question
• 8:53
  person,
• 8:54
  they
• 8:54
  feel
• 8:54
  behind,
• 8:55
  they
• 8:55
  feel
• 8:55
  tired.
• 8:57
  And
• 8:58
  Lord,
• 8:58
  you
• 8:58
  see
• 8:58
  the
• 8:58
  pressure
• 8:59
  that
• 8:59
  they're
• 8:59
  carrying.
• 8:59
  You
• 9:00
  see
• 9:00
  the
• 9:00
  pressure
• 9:00
  that
• 9:00
  so
• 9:01
  many
• 9:01
  of
• 9:01
  us
• 9:01
  are
• 9:01
  carrying.
• 9:03
  So
• 9:03
  right
• 9:04
  now,
• 9:04
  Lord,
• 9:04
  I
• 9:04
  just
• 9:04
  ask
• 9:05
  for
• 9:05
  your
• 9:05
  peace.
• 9:06
  Not
• 9:07
  some
• 9:07
  fake
• 9:07
  peace,
• 9:08
  not
• 9:08
  some
• 9:08
  fake,
• 9:08
  you're
• 9:09
  going
• 9:09
  to
• 9:09
  be
• 9:09
  okay.
• 9:09
  I'm
• 9:10
  talking
• 9:10
  about
• 9:10
  a
• 9:10
  steady,
• 9:11
  grounded
• 9:12
  peace
• 9:12
  in
• 9:13
  you.
• 9:14
  I
• 9:15
  ask
• 9:15
  right
• 9:15
  now
• 9:15
  that
• 9:15
  you
• 9:15
  would
• 9:16
  give
• 9:16
  them
• 9:16
  courage
• 9:16
  to
• 9:17
  face
• 9:17
  today's
• 9:17
  reality.
• 9:19
  Break
• 9:19
  that
• 9:19
  feeling
• 9:20
  of
• 9:20
  panic
• 9:21
  and
• 9:21
  break
• 9:21
  that
• 9:22
  feeling
• 9:22
  of
• 9:22
  shame,
• 9:22
  Lord,
• 9:24
  and
• 9:24
  help
• 9:24
  them
• 9:24
  take
• 9:25
  just
• 9:25
  one
• 9:25
  small
• 9:26
  step
• 9:26
  that
• 9:26
  restores
• 9:27
  that
• 9:27
  clarity
• 9:28
  and
• 9:28
  control.
• 9:30
  And
• 9:31
  Lord,
• 9:31
  remind
• 9:31
  them
• 9:33
  they're
• 9:33
  not
• 9:33
  alone,
• 9:34
  they're
• 9:35
  not
• 9:35
  failing.
• 9:37
  They're
• 9:37
  actually
• 9:37
  learning
• 9:38
  to
• 9:38
  walk
• 9:38
  wisely
• 9:40
  and
• 9:40
  you're
• 9:40
  with
• 9:40
  them
• 9:41
  every
• 9:41
  step
• 9:41
  of
• 9:42
  the
• 9:42
  way.
• 9:43
  And
• 9:43
  we
• 9:43
  ask
• 9:44
  this
• 9:44
  in
• 9:44
  Jesus
• 9:45
  name.
• 9:46
  Amen.
• 9:49
  Friend.
• 9:49
  I
• 9:49
  want
• 9:49
  to
• 9:49
  encourage
• 9:50
  you
• 9:50
  right
• 9:50
  now.
• 9:51
  That
• 9:51
  small,
• 9:52
  faithful
• 9:52
  step
• 9:53
  that
• 9:53
  you
• 9:53
  can
• 9:53
  take
• 9:54
  today
• 9:55
  can
• 9:55
  actually
• 9:56
  change
• 9:56
  your
• 9:56
  whole
• 9:56
  week.
• 9:58
  Honestly,
• 9:58
  it
• 9:58
  can
• 9:58
  change
• 9:58
  your
• 9:59
  whole
• 9:59
  life.
• 10:01
  And
• 10:01
  if
• 10:01
  you've
• 10:02
  got
• 10:02
  a
• 10:02
  question,
• 10:02
  just
• 10:03
  like
• 10:03
  today's
• 10:03
  question
• 10:04
  or
• 10:04
  any
• 10:04
  of
• 10:04
  the
• 10:04
  questions
• 10:04
  we've
• 10:05
  been
• 10:05
  answering,
• 10:05
  I
• 10:06
  would
• 10:06
  love
• 10:06
  to
• 10:06
  hear
• 10:06
  from
• 10:06
  you.
• 10:07
  That's
• 10:07
  what
• 10:07
  fuels
• 10:08
  my
• 10:08
  passion.
• 10:08
  I
• 10:08
  love
• 10:09
  helping
• 10:09
  people.
• 10:10
  I
• 10:10
  love
• 10:10
  helping
• 10:11
  you.
• 10:11
  I
• 10:11
  love
• 10:11
  to
• 10:12
  put
• 10:12
  my
• 10:12
  arm
• 10:12
  around
• 10:12
  you
• 10:13
  and
• 10:13
  say,
• 10:13
  hey,
• 10:13
  let's
• 10:14
  figure
• 10:14
  this
• 10:14
  out
• 10:14
  together.
• 10:16
  That's
• 10:16
  the
• 10:16
  reason
• 10:16
  I
• 10:16
  do
• 10:17
  this
• 10:17
  show.
• 10:17
  That's
• 10:17
  why
• 10:17
  I
• 10:17
  put
• 10:17
  so
• 10:18
  much
• 10:18
  time
• 10:18
  and
• 10:18
  effort
• 10:19
  into
• 10:19
  this.
• 10:20
  And
• 10:20
  if
• 10:20
  you've
• 10:21
  got
• 10:21
  a
• 10:21
  question,
• 10:21
  I
• 10:21
  want
• 10:22
  to
• 10:22
  hear
• 10:22
  your
• 10:22
  question.
• 10:23
  Super
• 10:24
  simple
• 10:24
  way
• 10:24
  to
• 10:25
  get
• 10:25
  it
• 10:25
  to
• 10:25
  me
• 10:25
  is
• 10:25
  to
• 10:25
  go
• 10:26
  to
• 10:26
  financiallyconfidentchristian.com/question
• 10:30
  we'll
• 10:31
  put
• 10:31
  a
• 10:31
  link
• 10:31
  in
• 10:31
  the
• 10:31
  show
• 10:32
  notes,
• 10:32
  but
• 10:32
  I'm
• 10:32
  going
• 10:32
  to
• 10:32
  give
• 10:32
  you
• 10:33
  that
• 10:33
  again
• 10:33
  so
• 10:33
  you
• 10:33
  can
• 10:33
  write
• 10:33
  it
• 10:34
  down.
• 10:34
  Listen
• 10:35
  to
• 10:35
  me,
• 10:35
  if
• 10:35
  you've
• 10:35
  got
• 10:36
  a
• 10:36
  question
• 10:36
  for
• 10:36
  this
• 10:36
  show,
• 10:37
  I
• 10:37
  want
• 10:37
  to
• 10:37
  hear
• 10:38
  from
• 10:38
  you.
• 10:39
  It's
• 10:39
  financiallyconfidentChristian.com/question
• 10:44
  i
• 10:44
  want
• 10:44
  to
• 10:44
  thank
• 10:45
  you
• 10:45
  so
• 10:45
  much
• 10:45
  for
• 10:45
  joining
• 10:46
  me
• 10:46
  today.
• 10:46
  Got
• 10:46
  a
• 10:46
  little
• 10:47
  heavy
• 10:47
  today.
• 10:47
  I
• 10:47
  know
• 10:47
  that
• 10:48
  it's
• 10:49
  a
• 10:49
  lot
• 10:49
  of
• 10:49
  burdens
• 10:49
  on
• 10:49
  all
• 10:50
  of
• 10:50
  our
• 10:50
  hearts,
• 10:50
  but
• 10:51
  I
• 10:51
  just
• 10:51
  want
• 10:51
  to
• 10:51
  encourage
• 10:52
  you.
• 10:52
  You
• 10:52
  can
• 10:52
  do
• 10:52
  this.
• 10:53
  God
• 10:54
  is
• 10:54
  with
• 10:54
  you.
• 10:54
  He's
• 10:54
  not
• 10:54
  left
• 10:55
  you
• 10:55
  or
• 10:55
  he's
• 10:55
  not
• 10:55
  forsaken
• 10:56
  you.
• 10:57
  So
• 10:57
  stay
• 10:57
  financially
• 10:58
  savvy
• 10:59
  today.
• 10:59
  May
• 10:59
  God
• 10:59
  bless
• 11:00
  you
• 11:01
  and
• 11:01
  you
• 11:01
  truly
• 11:02
  have
• 11:02
  a
• 11:02
  great
• 11:02
  day
• 11:02
  today.