Latest / Becoming Financially Confident / Why Am I So Afraid to Look at My Bank Account?

Transcript

Why Am I So Afraid to Look at My Bank Account? · Becoming Financially Confident

• 0:37
  You
• 0:37
  know
• 0:37
  that
• 0:38
  feeling,
• 0:38
  don't
• 0:38
  you?
• 0:39
  That
• 0:39
  cold,
• 0:40
  tight
• 0:40
  knot
• 0:40
  right
• 0:41
  in
• 0:41
  your
• 0:41
  stomach
• 0:41
  just
• 0:42
  at
• 0:42
  the
• 0:42
  thought
• 0:42
  of
• 0:43
  checking
• 0:43
  your
• 0:43
  bank
• 0:43
  balance.
• 0:44
  Or
• 0:44
  hey,
• 0:44
  maybe
• 0:45
  you're
• 0:45
  feeling
• 0:46
  that
• 0:46
  same
• 0:46
  thing
• 0:46
  when
• 0:46
  you
• 0:46
  think
• 0:47
  about
• 0:47
  opening
• 0:47
  that
• 0:48
  latest
• 0:48
  credit
• 0:48
  card
• 0:49
  statement.
• 0:50
  And
• 0:50
  maybe,
• 0:50
  like
• 0:51
  so
• 0:51
  many
• 0:51
  people,
• 0:51
  you
• 0:52
  constantly
• 0:52
  avoid
• 0:52
  looking
• 0:53
  at
• 0:53
  your
• 0:53
  numbers
• 0:54
  because
• 0:54
  you've
• 0:54
  got
• 0:55
  that
• 0:55
  fear
• 0:55
  what
• 0:55
  you
• 0:56
  might
• 0:56
  see
• 0:57
  and
• 0:57
  it
• 0:57
  might
• 0:57
  just
• 0:57
  be
• 0:57
  too
• 0:58
  much
• 0:58
  for
• 0:58
  you.
• 0:59
  Well,
• 0:59
  stick
• 1:00
  with
• 1:00
  me
• 1:00
  today
• 1:00
  because
• 1:00
  I'm
• 1:01
  going
• 1:01
  to
• 1:01
  tell
• 1:01
  you
• 1:01
  exactly
• 1:01
  how
• 1:02
  to
• 1:02
  face
• 1:02
  that
• 1:02
  fear
• 1:03
  head
• 1:03
  on
• 1:03
  and,
• 1:04
  and
• 1:04
  finally
• 1:04
  break
• 1:04
  that
• 1:05
  cycle.
• 1:07
  This
• 1:08
  is
• 1:08
  Financially
• 1:09
  Confident
• 1:09
  Christian,
• 1:10
  your
• 1:10
  daily
• 1:10
  dose
• 1:11
  of
• 1:11
  gospel
• 1:11
  grounded
• 1:12
  insight
• 1:12
  and
• 1:12
  faith
• 1:13
  driven
• 1:13
  tips
• 1:14
  to
• 1:14
  help
• 1:14
  you
• 1:14
  break
• 1:14
  the
• 1:15
  cycle
• 1:15
  of
• 1:15
  financial
• 1:16
  shame
• 1:16
  with
• 1:16
  confidence.
• 1:21
  Hey
• 1:21
  there.
• 1:22
  Welcome
• 1:22
  back
• 1:22
  to
• 1:22
  your
• 1:23
  daily
• 1:23
  Financially
• 1:24
  Confident
• 1:24
  Christian.
• 1:25
  I'm
• 1:25
  Ralph
• 1:25
  and
• 1:25
  I'm
• 1:26
  so
• 1:26
  happy
• 1:26
  you've
• 1:27
  chose
• 1:27
  to
• 1:27
  join
• 1:27
  me
• 1:27
  today
• 1:28
  as
• 1:28
  we
• 1:28
  work
• 1:28
  together
• 1:29
  to
• 1:29
  become
• 1:30
  financially
• 1:31
  confident
• 1:31
  Christians.
• 1:32
  And
• 1:32
  if
• 1:32
  you
• 1:32
  missed
• 1:33
  yesterday's
• 1:33
  show,
• 1:34
  we
• 1:34
  launched
• 1:34
  our
• 1:34
  new
• 1:35
  30
• 1:35
  day
• 1:35
  series,
• 1:36
  Breaking
• 1:36
  Financial
• 1:37
  Change.
• 1:37
  I
• 1:37
  promised
• 1:38
  to
• 1:38
  give
• 1:38
  you
• 1:38
  30
• 1:39
  days
• 1:39
  to
• 1:39
  overcome
• 1:40
  your
• 1:40
  toughest
• 1:41
  money
• 1:41
  struggles.
• 1:42
  And
• 1:42
  yesterday
• 1:43
  we
• 1:43
  bravely
• 1:43
  tackled
• 1:44
  the
• 1:44
  shame
• 1:44
  of
• 1:44
  an
• 1:45
  isolation
• 1:46
  that
• 1:46
  often
• 1:46
  surrounds
• 1:47
  our
• 1:47
  money
• 1:47
  problems.
• 1:48
  So
• 1:48
  if
• 1:48
  you
• 1:48
  missed
• 1:48
  it,
• 1:49
  I'm
• 1:49
  going
• 1:49
  to
• 1:49
  encourage
• 1:49
  you
• 1:50
  to
• 1:50
  go
• 1:50
  check
• 1:50
  it
• 1:50
  out.
• 1:50
  You
• 1:50
  can
• 1:51
  find
• 1:51
  all
• 1:51
  of
• 1:51
  our
• 1:51
  episodes@financiallyconfidentchristian.com
• 1:56
  well,
• 1:56
  today
• 1:56
  we're
• 1:57
  going
• 1:57
  to
• 1:57
  build
• 1:57
  on
• 1:57
  that
• 1:57
  courage
• 1:58
  by
• 1:58
  confronting
• 1:58
  something
• 1:59
  that
• 1:59
  for
• 1:59
  many
• 1:59
  of
• 2:00
  us
• 2:00
  feels
• 2:01
  even
• 2:01
  more
• 2:02
  daunting
• 2:02
  than
• 2:02
  even
• 2:03
  talking
• 2:03
  about
• 2:03
  it.
• 2:04
  And
• 2:04
  that's
• 2:05
  actually
• 2:05
  looking
• 2:05
  at
• 2:06
  the
• 2:06
  numbers.
• 2:07
  So
• 2:07
  today
• 2:08
  I
• 2:08
  want
• 2:08
  to
• 2:08
  answer
• 2:08
  this
• 2:09
  very
• 2:09
  difficult
• 2:10
  question.
• 2:11
  Why
• 2:11
  am
• 2:12
  I
• 2:12
  so
• 2:12
  afraid
• 2:13
  to
• 2:13
  look
• 2:13
  at
• 2:13
  my
• 2:14
  bank
• 2:14
  account?
• 2:15
  Hey,
• 2:16
  you
• 2:16
  know
• 2:16
  what,
• 2:16
  exactly
• 2:16
  what
• 2:17
  I'm
• 2:17
  talking
• 2:17
  about,
• 2:17
  don't
• 2:17
  you?
• 2:18
  Bet
• 2:18
  you're
• 2:19
  listening
• 2:19
  right
• 2:19
  now
• 2:19
  and
• 2:20
  you're
• 2:20
  like,
• 2:20
  Ralph,
• 2:20
  you're
• 2:21
  talking
• 2:21
  to
• 2:21
  me
• 2:21
  today.
• 2:23
  You
• 2:23
  got
• 2:23
  that
• 2:23
  unopened
• 2:24
  envelope
• 2:24
  judging
• 2:25
  you
• 2:25
  from
• 2:25
  the
• 2:25
  counter.
• 2:25
  It's
• 2:26
  been
• 2:26
  sitting
• 2:26
  on
• 2:26
  that
• 2:26
  kitchen
• 2:27
  counter
• 2:27
  for
• 2:27
  a
• 2:27
  few
• 2:27
  days.
• 2:27
  You're
• 2:28
  like,
• 2:28
  rob,
• 2:28
  I
• 2:29
  know
• 2:29
  I
• 2:29
  should
• 2:29
  open
• 2:29
  it
• 2:29
  up,
• 2:29
  but
• 2:30
  I
• 2:30
  just
• 2:30
  don't
• 2:30
  want
• 2:30
  to
• 2:30
  deal
• 2:31
  with
• 2:31
  it.
• 2:32
  Or
• 2:32
  maybe
• 2:32
  you
• 2:32
  open
• 2:33
  up
• 2:33
  your
• 2:33
  email
• 2:33
  and
• 2:33
  you've
• 2:34
  got
• 2:34
  that
• 2:34
  email
• 2:34
  notification
• 2:35
  from
• 2:36
  your
• 2:36
  bank
• 2:36
  and
• 2:36
  you
• 2:36
  just
• 2:37
  avoid
• 2:37
  it.
• 2:37
  You're
• 2:37
  like,
• 2:37
  oh
• 2:38
  boy,
• 2:38
  maybe
• 2:39
  another
• 2:39
  overdraft
• 2:40
  notice.
• 2:40
  I
• 2:40
  just
• 2:40
  can't
• 2:40
  deal
• 2:41
  with
• 2:41
  that
• 2:41
  today.
• 2:42
  Or
• 2:43
  maybe,
• 2:43
  just
• 2:43
  maybe,
• 2:43
  you
• 2:44
  got
• 2:44
  to
• 2:44
  go
• 2:44
  online
• 2:44
  to
• 2:45
  make
• 2:45
  a
• 2:45
  transfer
• 2:45
  and
• 2:45
  you
• 2:45
  just
• 2:46
  zip
• 2:46
  across
• 2:46
  that
• 2:47
  online
• 2:47
  bank
• 2:47
  and
• 2:48
  just
• 2:48
  hoping
• 2:48
  you
• 2:48
  don't
• 2:49
  see
• 2:49
  a
• 2:49
  number
• 2:49
  just
• 2:49
  so
• 2:49
  you
• 2:49
  can
• 2:50
  get
• 2:50
  to
• 2:50
  that
• 2:50
  transfer
• 2:51
  button.
• 2:52
  What
• 2:53
  you're
• 2:53
  really
• 2:53
  doing
• 2:53
  though,
• 2:54
  is
• 2:54
  you're
• 2:54
  actively
• 2:54
  avoiding
• 2:55
  your
• 2:55
  financial
• 2:55
  reality
• 2:57
  and
• 2:57
  that
• 2:58
  deep
• 2:58
  struggle.
• 2:58
  It's
• 2:59
  a
• 2:59
  deep
• 2:59
  nagging
• 3:00
  dread.
• 3:00
  It's,
• 3:00
  it's
• 3:01
  that
• 3:01
  fear
• 3:01
  of
• 3:01
  confirming
• 3:02
  your
• 3:02
  worst
• 3:03
  fears.
• 3:04
  Finances
• 3:05
  just
• 3:05
  aren't
• 3:06
  in
• 3:06
  order.
• 3:06
  Ralph.
• 3:07
  It's
• 3:07
  bad.
• 3:08
  You
• 3:08
  don't
• 3:08
  understand
• 3:08
  just
• 3:09
  how
• 3:09
  bad
• 3:09
  it
• 3:09
  is.
• 3:10
  And
• 3:10
  Ralph,
• 3:11
  I'm
• 3:11
  feeling
• 3:11
  overwhelmed,
• 3:13
  and
• 3:13
  in
• 3:13
  so
• 3:14
  many
• 3:14
  ways,
• 3:15
  I
• 3:15
  just
• 3:16
  don't
• 3:16
  know
• 3:16
  what
• 3:16
  to
• 3:17
  do.
• 3:17
  Ralph.
• 3:18
  And
• 3:19
  if
• 3:19
  you
• 3:19
  continue
• 3:19
  to
• 3:20
  avoid
• 3:20
  it,
• 3:20
  it
• 3:20
  leads
• 3:21
  to
• 3:21
  paralyzing
• 3:22
  avoidance.
• 3:23
  And
• 3:23
  the
• 3:24
  problem
• 3:24
  with
• 3:24
  that
• 3:24
  is
• 3:24
  it
• 3:25
  eventually
• 3:26
  leads
• 3:26
  to
• 3:26
  you
• 3:26
  relinquishing
• 3:27
  all
• 3:27
  control
• 3:28
  over
• 3:28
  it.
• 3:29
  And
• 3:29
  I've
• 3:30
  seen
• 3:30
  this
• 3:30
  play
• 3:30
  out
• 3:31
  way
• 3:31
  too
• 3:31
  many
• 3:31
  times
• 3:32
  with
• 3:32
  people
• 3:32
  that
• 3:33
  I've
• 3:33
  worked
• 3:33
  with,
• 3:33
  people
• 3:33
  that
• 3:34
  I've
• 3:34
  counseled
• 3:34
  and
• 3:34
  coached.
• 3:36
  That
• 3:36
  unknown,
• 3:37
  that
• 3:37
  fear
• 3:38
  of
• 3:38
  not
• 3:38
  knowing,
• 3:38
  that
• 3:39
  unknown
• 3:39
  becomes
• 3:39
  scarier
• 3:40
  than
• 3:40
  the
• 3:40
  reality.
• 3:42
  And
• 3:42
  all
• 3:43
  that
• 3:43
  does
• 3:43
  is
• 3:43
  build
• 3:43
  stress
• 3:44
  of
• 3:44
  not
• 3:44
  knowing,
• 3:45
  and
• 3:45
  that
• 3:45
  piles
• 3:45
  on
• 3:46
  money
• 3:46
  worries.
• 3:48
  And
• 3:48
  then
• 3:48
  you
• 3:48
  feel
• 3:49
  absolutely
• 3:49
  powerless.
• 3:51
  But
• 3:51
  here's
• 3:52
  the
• 3:52
  thing
• 3:52
  I
• 3:52
  want
• 3:52
  you
• 3:52
  to
• 3:52
  hear
• 3:52
  today.
• 3:54
  Actively
• 3:54
  avoiding
• 3:55
  financial
• 3:56
  reality
• 3:56
  is
• 3:56
  keeping
• 3:57
  you
• 3:57
  trapped
• 3:57
  in
• 3:57
  a
• 3:58
  thick
• 3:58
  fog
• 3:58
  and
• 3:59
  a
• 3:59
  heavy
• 3:59
  darkness.
• 4:01
  And
• 4:01
  here's
• 4:01
  a
• 4:01
  brutal
• 4:02
  truth,
• 4:02
  a
• 4:02
  brutal
• 4:02
  reality.
• 4:03
  You
• 4:03
  can't
• 4:03
  navigate
• 4:04
  a
• 4:04
  path
• 4:04
  forward
• 4:05
  if
• 4:05
  you
• 4:05
  don't
• 4:05
  know
• 4:06
  where
• 4:06
  you
• 4:06
  are,
• 4:06
  if
• 4:07
  you
• 4:07
  don't
• 4:07
  know
• 4:07
  where
• 4:08
  you're
• 4:08
  starting.
• 4:09
  And
• 4:09
  I've
• 4:10
  got
• 4:10
  some
• 4:10
  great
• 4:10
  scripture
• 4:11
  verses
• 4:11
  that
• 4:11
  lead
• 4:12
  us
• 4:12
  right
• 4:12
  to
• 4:12
  that.
• 4:12
  Let's
• 4:12
  talk
• 4:13
  about
• 4:13
  my
• 4:13
  first
• 4:13
  biblical
• 4:14
  principle
• 4:14
  today,
• 4:14
  and
• 4:15
  that's
• 4:15
  light
• 4:15
  versus
• 4:15
  darkness,
• 4:16
  because
• 4:16
  that's
• 4:16
  really
• 4:16
  what
• 4:16
  we're
• 4:17
  talking
• 4:17
  about
• 4:17
  today.
• 4:18
  Let's
• 4:18
  talk
• 4:18
  talking
• 4:18
  about
• 4:18
  bringing
• 4:19
  these
• 4:19
  things
• 4:20
  finally
• 4:20
  into
• 4:20
  the
• 4:21
  light.
• 4:21
  Let's
• 4:21
  look
• 4:21
  at
• 4:21
  the
• 4:21
  book
• 4:21
  of
• 4:22
  Ephesians,
• 4:23
  chapter
• 4:23
  5,
• 4:23
  verse
• 4:24
  8
• 4:24
  tells
• 4:24
  us
• 4:24
  this.
• 4:26
  For
• 4:26
  you
• 4:26
  were
• 4:27
  once
• 4:27
  darkness,
• 4:29
  but
• 4:29
  now
• 4:29
  you
• 4:29
  are
• 4:29
  the
• 4:30
  light
• 4:30
  in
• 4:30
  the
• 4:30
  world.
• 4:30
  Live
• 4:31
  as
• 4:31
  children
• 4:31
  of
• 4:32
  the
• 4:32
  light.
• 4:33
  Wow,
• 4:34
  that's
• 4:34
  pretty
• 4:34
  deep,
• 4:34
  isn't
• 4:35
  it?
• 4:36
  But
• 4:36
  if
• 4:36
  you
• 4:36
  think
• 4:36
  about
• 4:36
  it,
• 4:37
  bringing
• 4:37
  things
• 4:37
  into
• 4:38
  the
• 4:38
  light
• 4:38
  allows
• 4:39
  you
• 4:39
  to
• 4:39
  see
• 4:39
  them
• 4:39
  clearly,
• 4:40
  it
• 4:40
  allows
• 4:40
  you
• 4:41
  to
• 4:41
  understand
• 4:41
  them,
• 4:42
  and
• 4:42
  it
• 4:42
  allows
• 4:43
  you
• 4:43
  to
• 4:43
  actually
• 4:44
  gain
• 4:44
  clarity.
• 4:46
  For
• 4:46
  you
• 4:46
  were
• 4:46
  once
• 4:46
  darkness,
• 4:47
  but
• 4:47
  now
• 4:47
  you
• 4:47
  are
• 4:48
  in
• 4:48
  the
• 4:48
  light.
• 4:48
  Live
• 4:48
  as
• 4:49
  children
• 4:49
  of
• 4:49
  the
• 4:50
  light.
• 4:50
  That's
• 4:50
  what
• 4:50
  Ephesians
• 4:51
  5.
• 4:51
  8
• 4:51
  tells
• 4:52
  us.
• 4:53
  Let's
• 4:53
  look
• 4:53
  at
• 4:53
  another
• 4:54
  biblical
• 4:54
  principle,
• 4:55
  and
• 4:55
  that's
• 4:55
  God's
• 4:55
  spirit
• 4:56
  of
• 4:56
  power.
• 4:57
  And
• 4:57
  here's
• 4:58
  a
• 4:58
  vital
• 4:58
  truth
• 4:58
  for
• 4:59
  your
• 4:59
  heart.
• 4:59
  I
• 4:59
  want
• 4:59
  you
• 4:59
  to
• 4:59
  hear
• 5:00
  this,
• 5:00
  and
• 5:00
  I
• 5:00
  want
• 5:00
  you
• 5:00
  to
• 5:00
  hear
• 5:01
  this
• 5:01
  loud
• 5:01
  and
• 5:01
  clear
• 5:01
  today.
• 5:02
  So
• 5:02
  many
• 5:02
  people
• 5:02
  I
• 5:03
  work
• 5:03
  with
• 5:03
  live
• 5:03
  in
• 5:04
  this
• 5:04
  fear.
• 5:04
  But
• 5:05
  here's
• 5:05
  the
• 5:05
  thing.
• 5:05
  God
• 5:06
  has
• 5:06
  not
• 5:06
  given
• 5:07
  any
• 5:07
  of
• 5:07
  us
• 5:08
  a
• 5:08
  spirit
• 5:08
  of
• 5:09
  fear.
• 5:09
  Let's
• 5:09
  look
• 5:09
  at
• 5:10
  second
• 5:10
  Timothy,
• 5:10
  chapter
• 5:11
  one,
• 5:11
  verse
• 5:12
  seven,
• 5:12
  because
• 5:12
  this
• 5:13
  is
• 5:13
  powerful
• 5:14
  and
• 5:14
  it's
• 5:14
  a
• 5:14
  liberating
• 5:15
  reminder.
• 5:16
  It
• 5:16
  says
• 5:16
  what
• 5:16
  it
• 5:17
  says.
• 5:18
  For
• 5:18
  God
• 5:19
  did
• 5:19
  not
• 5:19
  give
• 5:19
  us
• 5:19
  a
• 5:20
  spirit
• 5:20
  of
• 5:20
  timidity,
• 5:21
  but
• 5:22
  a
• 5:22
  spirit
• 5:22
  of
• 5:23
  power,
• 5:23
  a
• 5:24
  spirit
• 5:24
  of
• 5:24
  love,
• 5:25
  and
• 5:25
  a
• 5:25
  spirit
• 5:26
  of
• 5:26
  self.
• 5:26
  Discipline.
• 5:28
  Now,
• 5:28
  you
• 5:28
  might
• 5:28
  not
• 5:28
  know
• 5:28
  what
• 5:29
  that
• 5:29
  word
• 5:29
  timidity
• 5:29
  really
• 5:30
  means,
• 5:30
  but
• 5:30
  what
• 5:30
  it
• 5:30
  means
• 5:30
  is
• 5:31
  shrinking
• 5:31
  back.
• 5:33
  And
• 5:33
  if
• 5:33
  you
• 5:33
  think
• 5:33
  about
• 5:33
  the
• 5:34
  broader
• 5:34
  picture
• 5:34
  of
• 5:34
  that,
• 5:35
  that
• 5:35
  really
• 5:35
  means
• 5:35
  fear.
• 5:36
  You're
• 5:36
  living
• 5:37
  in
• 5:37
  that
• 5:37
  fear.
• 5:38
  And
• 5:39
  here's
• 5:39
  the
• 5:39
  thing
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:40
  hear
• 5:40
  right
• 5:40
  now.
• 5:40
  God
• 5:41
  gives
• 5:41
  you
• 5:41
  power
• 5:42
  to
• 5:42
  act
• 5:42
  even
• 5:43
  when
• 5:43
  terrified.
• 5:44
  Ask
• 5:45
  yourself
• 5:45
  right
• 5:45
  now,
• 5:45
  how
• 5:46
  many
• 5:46
  times
• 5:46
  have
• 5:47
  you
• 5:47
  been
• 5:47
  terrified
• 5:48
  over
• 5:48
  a
• 5:48
  situation?
• 5:50
  I've
• 5:50
  been
• 5:50
  there.
• 5:52
  There
• 5:52
  are
• 5:52
  times
• 5:52
  in
• 5:53
  my
• 5:53
  life
• 5:53
  when
• 5:53
  I
• 5:53
  was
• 5:53
  terrified.
• 5:54
  I
• 5:54
  had
• 5:54
  no
• 5:55
  idea
• 5:55
  what
• 5:55
  was
• 5:55
  coming
• 5:56
  next.
• 5:57
  But
• 5:57
  it
• 5:57
  was
• 5:58
  in
• 5:58
  those
• 5:58
  times
• 5:58
  that
• 5:59
  I
• 5:59
  recognized
• 5:59
  that
• 6:00
  God
• 6:00
  gives
• 6:00
  you
• 6:00
  power
• 6:01
  to
• 6:01
  act
• 6:01
  even
• 6:02
  when
• 6:02
  you're
• 6:02
  terrified.
• 6:04
  So
• 6:04
  that's
• 6:04
  what
• 6:04
  I
• 6:04
  want
• 6:05
  you
• 6:05
  to
• 6:05
  do
• 6:05
  today.
• 6:05
  Because
• 6:06
  honestly,
• 6:06
  facing
• 6:07
  financial
• 6:07
  reality
• 6:08
  is
• 6:08
  a
• 6:08
  bold
• 6:08
  act
• 6:09
  of
• 6:09
  Godly
• 6:10
  courage.
• 6:11
  Not
• 6:11
  talking
• 6:12
  about
• 6:12
  being
• 6:12
  fearless,
• 6:13
  that
• 6:13
  we
• 6:13
  should
• 6:13
  always
• 6:13
  be
• 6:14
  in
• 6:14
  fear
• 6:14
  of
• 6:14
  the
• 6:14
  Lord,
• 6:15
  but
• 6:16
  I
• 6:16
  am
• 6:16
  talking
• 6:16
  about
• 6:17
  acting
• 6:17
  with
• 6:17
  courage
• 6:19
  because
• 6:19
  you've
• 6:20
  got
• 6:20
  the
• 6:20
  access
• 6:21
  to
• 6:21
  God's
• 6:21
  strength
• 6:22
  to
• 6:22
  look
• 6:22
  at
• 6:22
  what
• 6:23
  feels
• 6:23
  scary.
• 6:25
  So
• 6:25
  now
• 6:25
  you're
• 6:25
  asking,
• 6:26
  how
• 6:26
  do
• 6:26
  we
• 6:26
  move
• 6:27
  from
• 6:27
  this
• 6:27
  paralyzing
• 6:28
  fear,
• 6:28
  Ralph,
• 6:28
  to
• 6:28
  facing
• 6:29
  finances
• 6:29
  with
• 6:30
  courage
• 6:30
  and
• 6:30
  peace?
• 6:30
  I
• 6:30
  want
• 6:31
  to
• 6:31
  do
• 6:31
  that,
• 6:32
  Ralph.
• 6:32
  You're
• 6:33
  speaking
• 6:33
  to
• 6:33
  me
• 6:33
  directly
• 6:34
  today.
• 6:34
  I
• 6:34
  want
• 6:34
  to
• 6:35
  do
• 6:35
  this.
• 6:35
  I
• 6:35
  want
• 6:35
  to
• 6:35
  do
• 6:35
  it
• 6:36
  right
• 6:36
  now.
• 6:37
  Well,
• 6:37
  here's
• 6:38
  my
• 6:38
  solution
• 6:39
  for
• 6:39
  you
• 6:39
  today.
• 6:39
  You
• 6:39
  don't
• 6:40
  have
• 6:40
  to
• 6:40
  do
• 6:40
  anything
• 6:41
  bold
• 6:41
  and
• 6:41
  broad.
• 6:42
  Just
• 6:42
  take
• 6:42
  one
• 6:42
  small,
• 6:43
  intentional
• 6:43
  step,
• 6:45
  just
• 6:45
  one
• 6:45
  piece
• 6:46
  of
• 6:46
  your
• 6:46
  financial
• 6:47
  picture,
• 6:47
  and
• 6:48
  do
• 6:48
  it
• 6:48
  empowered
• 6:49
  by
• 6:49
  God's
• 6:50
  constant
• 6:50
  presence
• 6:50
  with
• 6:51
  you.
• 6:52
  Because,
• 6:52
  listen,
• 6:52
  if
• 6:52
  you
• 6:52
  try
• 6:53
  to
• 6:53
  look
• 6:53
  at
• 6:53
  everything,
• 6:53
  you're
• 6:54
  going
• 6:54
  to
• 6:54
  get
• 6:54
  overwhelmed.
• 6:55
  I
• 6:55
  just
• 6:56
  want
• 6:56
  you
• 6:56
  to
• 6:56
  take
• 6:56
  just
• 6:56
  one
• 6:57
  brave
• 6:57
  peek
• 6:58
  because
• 6:59
  that's
• 6:59
  a
• 6:59
  powerful
• 7:00
  act
• 7:00
  of
• 7:00
  faith
• 7:00
  and
• 7:01
  a
• 7:01
  direct
• 7:01
  defiance
• 7:02
  against
• 7:02
  fear.
• 7:04
  So
• 7:04
  here's
• 7:04
  your
• 7:05
  one
• 7:05
  action
• 7:05
  step
• 7:05
  today
• 7:06
  with
• 7:06
  the
• 7:06
  goal
• 7:06
  to
• 7:06
  face
• 7:07
  your
• 7:07
  financial
• 7:07
  reality
• 7:08
  with
• 7:08
  courage.
• 7:09
  I
• 7:09
  just
• 7:09
  want
• 7:09
  you
• 7:09
  to
• 7:09
  pick
• 7:10
  one.
• 7:10
  Maybe
• 7:11
  it's
• 7:11
  a
• 7:11
  bank
• 7:11
  statement,
• 7:12
  maybe
• 7:12
  it's
• 7:12
  a
• 7:12
  credit
• 7:13
  card
• 7:13
  statement.
• 7:13
  Just
• 7:14
  one
• 7:14
  of
• 7:14
  those
• 7:14
  things.
• 7:14
  And
• 7:15
  look
• 7:15
  at
• 7:15
  it
• 7:15
  today.
• 7:15
  Maybe
• 7:16
  that's
• 7:16
  your
• 7:16
  main
• 7:17
  checking
• 7:17
  account
• 7:17
  balance.
• 7:18
  You
• 7:19
  just
• 7:19
  been
• 7:19
  avoiding
• 7:19
  it.
• 7:20
  You
• 7:20
  don't
• 7:20
  want
• 7:20
  to
• 7:20
  see
• 7:20
  the
• 7:20
  reality
• 7:21
  of
• 7:21
  it.
• 7:22
  Maybe
• 7:22
  it's
• 7:23
  that
• 7:23
  one
• 7:23
  credit
• 7:23
  card
• 7:24
  statement
• 7:24
  like
• 7:24
  you
• 7:24
  I
• 7:25
  said
• 7:25
  earlier,
• 7:25
  it's
• 7:25
  sitting
• 7:25
  on
• 7:26
  the
• 7:26
  counter.
• 7:26
  Haven't
• 7:27
  even
• 7:27
  opened
• 7:27
  it
• 7:27
  up.
• 7:27
  You
• 7:28
  don't
• 7:28
  even
• 7:28
  want
• 7:28
  to
• 7:28
  look
• 7:28
  at
• 7:28
  it.
• 7:30
  Maybe
• 7:30
  it's
• 7:30
  that
• 7:31
  nagging
• 7:31
  bill
• 7:31
  they
• 7:31
  keep
• 7:32
  on
• 7:32
  sending
• 7:32
  you
• 7:32
  those
• 7:33
  collection
• 7:33
  notices
• 7:34
  on.
• 7:34
  They
• 7:34
  keep
• 7:34
  on
• 7:34
  sending
• 7:35
  you
• 7:35
  those
• 7:35
  emails.
• 7:37
  So
• 7:37
  just
• 7:38
  pick
• 7:38
  one
• 7:38
  of
• 7:39
  those
• 7:39
  things,
• 7:39
  whatever
• 7:40
  that
• 7:40
  is
• 7:40
  in
• 7:41
  your
• 7:41
  life,
• 7:42
  and
• 7:42
  then
• 7:43
  the
• 7:43
  next
• 7:43
  step
• 7:43
  is
• 7:43
  to
• 7:44
  pray
• 7:44
  for
• 7:44
  courage.
• 7:44
  I
• 7:45
  always
• 7:45
  bring
• 7:45
  it
• 7:45
  back
• 7:45
  to
• 7:46
  prayer.
• 7:46
  Before
• 7:46
  you
• 7:46
  click,
• 7:47
  before
• 7:47
  you
• 7:47
  open
• 7:47
  or
• 7:48
  even
• 7:48
  glance
• 7:48
  at
• 7:49
  it.
• 7:49
  I
• 7:49
  just
• 7:49
  want
• 7:49
  you
• 7:49
  to
• 7:49
  pause
• 7:50
  and
• 7:50
  Take
• 7:50
  a
• 7:51
  deep
• 7:51
  breath
• 7:51
  and
• 7:51
  just
• 7:52
  offer
• 7:52
  a
• 7:52
  simple
• 7:53
  heart
• 7:53
  heartful
• 7:54
  prayer.
• 7:54
  Something
• 7:54
  like
• 7:54
  this.
• 7:55
  God,
• 7:56
  I
• 7:56
  feel
• 7:56
  I
• 7:57
  truly
• 7:57
  am
• 7:57
  afraid
• 7:58
  to
• 7:58
  look
• 7:58
  at
• 7:58
  this
• 7:58
  number.
• 8:00
  And
• 8:00
  I
• 8:00
  just
• 8:00
  ask
• 8:00
  that
• 8:01
  you
• 8:01
  would
• 8:01
  give
• 8:01
  me
• 8:01
  courage
• 8:01
  and
• 8:02
  peace
• 8:02
  as
• 8:02
  I
• 8:02
  face
• 8:02
  this.
• 8:03
  Help
• 8:03
  me
• 8:04
  to
• 8:04
  remember
• 8:04
  you
• 8:04
  are
• 8:05
  right
• 8:05
  here
• 8:05
  with
• 8:05
  me.
• 8:07
  So
• 8:07
  find
• 8:07
  that
• 8:08
  bill
• 8:08
  and
• 8:08
  then
• 8:08
  pray
• 8:09
  for
• 8:09
  courage
• 8:10
  and
• 8:11
  then
• 8:11
  just
• 8:11
  take
• 8:11
  a
• 8:11
  look
• 8:11
  and
• 8:12
  open
• 8:12
  it
• 8:12
  up.
• 8:12
  Just
• 8:12
  look
• 8:12
  at
• 8:13
  that
• 8:13
  one
• 8:13
  thing.
• 8:14
  Open
• 8:14
  that
• 8:14
  app,
• 8:15
  open
• 8:15
  that
• 8:15
  online
• 8:16
  banking
• 8:16
  app,
• 8:16
  open
• 8:17
  that
• 8:17
  email,
• 8:17
  open
• 8:18
  that
• 8:18
  envelope.
• 8:20
  Just
• 8:20
  look
• 8:20
  at
• 8:20
  that
• 8:20
  specific
• 8:21
  number
• 8:21
  you
• 8:21
  chose.
• 8:23
  Avoid
• 8:23
  looking
• 8:24
  at
• 8:24
  other
• 8:24
  things
• 8:24
  because
• 8:25
  then
• 8:25
  you
• 8:25
  will
• 8:25
  feel
• 8:26
  overwhelmed.
• 8:27
  Just
• 8:27
  absorb
• 8:27
  that
• 8:27
  one
• 8:28
  piece
• 8:28
  of
• 8:28
  information
• 8:30
  because
• 8:30
  I
• 8:30
  just
• 8:31
  want
• 8:31
  you
• 8:31
  to
• 8:31
  have
• 8:31
  one
• 8:31
  victory
• 8:32
  for
• 8:32
  today.
• 8:33
  And
• 8:33
  once
• 8:34
  you've
• 8:34
  done
• 8:34
  that,
• 8:34
  it
• 8:34
  is
• 8:35
  the
• 8:35
  most
• 8:35
  important
• 8:35
  part
• 8:36
  of
• 8:36
  this.
• 8:37
  Just
• 8:37
  thank
• 8:38
  God
• 8:38
  once
• 8:38
  you
• 8:39
  see
• 8:39
  it,
• 8:39
  close
• 8:39
  it
• 8:39
  if
• 8:39
  you
• 8:40
  need
• 8:40
  to,
• 8:40
  but
• 8:41
  then
• 8:41
  immediately
• 8:41
  thank
• 8:42
  God
• 8:42
  for
• 8:42
  the
• 8:42
  strength
• 8:42
  to
• 8:43
  take
• 8:43
  that
• 8:43
  step.
• 8:44
  And
• 8:45
  then
• 8:45
  I
• 8:45
  just
• 8:45
  want
• 8:45
  you
• 8:45
  to
• 8:46
  resist
• 8:46
  that
• 8:46
  negative
• 8:46
  self
• 8:47
  talk
• 8:47
  because
• 8:47
  it'll
• 8:47
  be
• 8:48
  so
• 8:48
  easy
• 8:48
  to
• 8:49
  get
• 8:49
  back
• 8:49
  into
• 8:49
  that
• 8:50
  self
• 8:50
  talk.
• 8:51
  But
• 8:52
  you
• 8:52
  just
• 8:52
  did
• 8:52
  an
• 8:52
  incredible
• 8:53
  brave
• 8:53
  thing.
• 8:54
  You
• 8:54
  faced
• 8:55
  a
• 8:55
  fear
• 8:55
  head
• 8:56
  on
• 8:56
  with
• 8:56
  the
• 8:56
  power
• 8:57
  of
• 8:57
  God
• 8:58
  at
• 8:58
  your
• 8:58
  side.
• 8:59
  And
• 9:00
  what
• 9:00
  you've
• 9:00
  done
• 9:00
  is
• 9:01
  fought
• 9:01
  that
• 9:01
  struggle
• 9:02
  of
• 9:02
  avoidance
• 9:03
  and
• 9:03
  that
• 9:03
  paralyzing
• 9:04
  fear.
• 9:04
  And
• 9:05
  you've
• 9:05
  brought
• 9:05
  crucial
• 9:05
  light.
• 9:06
  That's
• 9:06
  what
• 9:06
  we
• 9:06
  talked
• 9:06
  about
• 9:06
  today.
• 9:07
  We've
• 9:07
  brought
• 9:08
  a
• 9:08
  crucial
• 9:08
  piece
• 9:09
  of
• 9:09
  financial
• 9:10
  information
• 9:11
  into
• 9:11
  the
• 9:11
  light
• 9:12
  and
• 9:12
  we've
• 9:12
  broken
• 9:13
  that
• 9:13
  silence,
• 9:14
  we've
• 9:14
  broken
• 9:14
  that
• 9:15
  scary
• 9:15
  unknown
• 9:16
  with
• 9:16
  truth.
• 9:18
  And
• 9:18
  it's
• 9:18
  a
• 9:19
  practical
• 9:19
  way
• 9:19
  to
• 9:19
  exercise
• 9:20
  God
• 9:20
  given
• 9:20
  spirit
• 9:21
  of
• 9:21
  power
• 9:21
  and
• 9:22
  self
• 9:22
  discipline
• 9:22
  in
• 9:23
  your
• 9:23
  life.
• 9:24
  How
• 9:24
  about
• 9:24
  we
• 9:25
  pray
• 9:25
  together
• 9:25
  now?
• 9:26
  Father
• 9:27
  God,
• 9:27
  we
• 9:27
  thank
• 9:27
  you
• 9:27
  for
• 9:27
  the
• 9:28
  powerful
• 9:28
  reminder
• 9:28
  that
• 9:29
  you
• 9:29
  have
• 9:29
  not
• 9:29
  given
• 9:29
  us
• 9:29
  a
• 9:30
  spirit
• 9:30
  of
• 9:30
  fear.
• 9:31
  And
• 9:32
  Lord,
• 9:32
  we
• 9:32
  confess
• 9:32
  that
• 9:33
  facing
• 9:33
  our
• 9:33
  financial
• 9:34
  numbers
• 9:34
  often
• 9:34
  feels
• 9:35
  overwhelming,
• 9:35
  Lord,
• 9:36
  and
• 9:36
  it
• 9:36
  feels
• 9:36
  scary.
• 9:37
  It
• 9:37
  just
• 9:38
  leads
• 9:38
  us
• 9:38
  to
• 9:38
  avoid
• 9:38
  them
• 9:39
  altogether.
• 9:40
  Please
• 9:41
  fill
• 9:41
  our
• 9:41
  hearts
• 9:41
  with
• 9:42
  courage
• 9:42
  and
• 9:42
  your
• 9:42
  peace
• 9:43
  right
• 9:43
  now,
• 9:43
  Lord.
• 9:44
  And
• 9:44
  I
• 9:44
  pray
• 9:45
  specifically
• 9:45
  for
• 9:45
  my
• 9:45
  friend
• 9:46
  listening
• 9:46
  right
• 9:46
  now.
• 9:46
  Help
• 9:47
  them
• 9:47
  to
• 9:47
  take
• 9:47
  that
• 9:47
  brave
• 9:48
  step
• 9:48
  to
• 9:48
  look
• 9:48
  at
• 9:48
  just
• 9:49
  one
• 9:49
  financial
• 9:50
  number
• 9:50
  today,
• 9:50
  Lord.
• 9:51
  They
• 9:51
  don't
• 9:51
  have
• 9:51
  to
• 9:51
  solve
• 9:51
  all
• 9:52
  the
• 9:52
  problems,
• 9:52
  just
• 9:53
  look
• 9:53
  at
• 9:53
  one
• 9:53
  and
• 9:54
  be
• 9:54
  intimately
• 9:55
  with
• 9:55
  them
• 9:55
  as
• 9:55
  they
• 9:55
  do
• 9:56
  that.
• 9:57
  And
• 9:57
  Lord,
• 9:57
  I
• 9:57
  just
• 9:58
  ask
• 9:58
  that
• 9:58
  you
• 9:58
  would
• 9:58
  calm
• 9:59
  their
• 9:59
  anxiety,
• 9:59
  grant
• 10:00
  them
• 10:00
  crystal
• 10:01
  clear
• 10:01
  clarity,
• 10:01
  Lord,
• 10:02
  and
• 10:02
  help
• 10:02
  them
• 10:02
  to
• 10:02
  trust
• 10:03
  you.
• 10:03
  Because
• 10:04
  you
• 10:04
  are
• 10:04
  infinitely
• 10:05
  bigger
• 10:05
  than
• 10:05
  any
• 10:05
  number
• 10:06
  that
• 10:06
  they'll
• 10:06
  ever
• 10:06
  gonna
• 10:07
  see.
• 10:08
  And
• 10:08
  I
• 10:08
  just
• 10:08
  thank
• 10:09
  you
• 10:09
  so
• 10:09
  much
• 10:09
  for
• 10:09
  empowering
• 10:10
  us
• 10:10
  to
• 10:10
  walk
• 10:10
  boldly
• 10:11
  in
• 10:11
  the
• 10:11
  light
• 10:12
  and
• 10:12
  in
• 10:12
  truth.
• 10:13
  And
• 10:13
  I
• 10:13
  ask
• 10:13
  this
• 10:13
  in
• 10:14
  confidence,
• 10:14
  Lord,
• 10:15
  in
• 10:15
  Jesus
• 10:15
  name,
• 10:17
  Amen.
• 10:18
  Listen,
• 10:19
  taking
• 10:20
  that
• 10:20
  step
• 10:20
  to
• 10:20
  look
• 10:20
  at
• 10:21
  your
• 10:21
  finances,
• 10:21
  even
• 10:21
  just
• 10:22
  one
• 10:22
  number
• 10:23
  is
• 10:23
  an
• 10:23
  incredibly
• 10:24
  brave
• 10:24
  and
• 10:25
  empowering
• 10:25
  move
• 10:25
  for
• 10:26
  you.
• 10:26
  You
• 10:26
  need
• 10:26
  to
• 10:27
  congratulate
• 10:27
  yourself
• 10:28
  for
• 10:28
  that.
• 10:29
  You
• 10:29
  are
• 10:29
  actively
• 10:30
  shifting
• 10:30
  today
• 10:31
  from
• 10:31
  avoidance
• 10:31
  to
• 10:32
  decisive
• 10:32
  action.
• 10:33
  And
• 10:33
  you're
• 10:33
  empowered
• 10:34
  by
• 10:34
  God's
• 10:34
  strength.
• 10:35
  So
• 10:35
  keep
• 10:35
  taking
• 10:36
  those
• 10:36
  steps.
• 10:37
  And
• 10:37
  if
• 10:37
  today's
• 10:38
  step
• 10:38
  has
• 10:38
  encouraged
• 10:38
  you
• 10:39
  to
• 10:39
  face
• 10:39
  your
• 10:39
  numbers,
• 10:40
  I
• 10:40
  want
• 10:40
  you
• 10:40
  to
• 10:40
  consider
• 10:41
  sharing
• 10:41
  it
• 10:41
  with
• 10:41
  somebody
• 10:42
  else
• 10:42
  who
• 10:42
  might
• 10:42
  need
• 10:43
  to
• 10:43
  hear
• 10:43
  this
• 10:43
  message
• 10:44
  today.
• 10:45
  I've
• 10:45
  mentioned
• 10:45
  this
• 10:46
  on
• 10:46
  the
• 10:46
  show
• 10:46
  before.
• 10:46
  There
• 10:46
  are
• 10:46
  a
• 10:47
  lot
• 10:47
  of
• 10:47
  people
• 10:47
  out
• 10:47
  there
• 10:48
  struggling
• 10:48
  and
• 10:48
  stuck
• 10:49
  in
• 10:49
  that
• 10:49
  financial
• 10:50
  shame,
• 10:50
  that
• 10:50
  cycle
• 10:51
  of
• 10:51
  financial
• 10:52
  shame.
• 10:53
  And
• 10:53
  you're
• 10:54
  sharing
• 10:54
  this
• 10:54
  show
• 10:54
  with
• 10:55
  them,
• 10:55
  sharing
• 10:55
  this
• 10:55
  episode
• 10:56
  with
• 10:56
  them
• 10:56
  might
• 10:56
  be
• 10:57
  the
• 10:57
  thing
• 10:57
  that
• 10:57
  they
• 10:57
  need
• 10:58
  to
• 10:58
  hear.
• 10:58
  Just
• 10:58
  point
• 10:58
  them
• 10:59
  right
• 10:59
  to
• 10:59
  our
• 10:59
  website.
• 11:00
  That's
• 11:00
  financially
• 11:01
  confidentchristian.com
• 11:03
  and
• 11:04
  while
• 11:04
  you're
• 11:04
  there,
• 11:04
  I
• 11:04
  want
• 11:04
  to
• 11:05
  give
• 11:05
  you
• 11:05
  something.
• 11:05
  I
• 11:05
  just
• 11:05
  wrote
• 11:06
  a
• 11:06
  new
• 11:06
  book.
• 11:06
  It's
• 11:07
  called
• 11:07
  how
• 11:07
  to
• 11:07
  Become
• 11:08
  a
• 11:08
  Financially
• 11:08
  Confident
• 11:09
  Christian.
• 11:10
  And
• 11:10
  I
• 11:10
  want
• 11:10
  to
• 11:10
  give
• 11:10
  you
• 11:10
  a
• 11:11
  copy
• 11:11
  of
• 11:11
  that
• 11:11
  book.
• 11:11
  You
• 11:11
  can
• 11:12
  get
• 11:12
  that
• 11:12
  by
• 11:12
  going
• 11:12
  to
• 11:13
  financiallyconfidentchristian.com/becoming.
• 11:17
  This
• 11:18
  is
• 11:18
  a
• 11:18
  book
• 11:18
  I
• 11:18
  wrote
• 11:18
  with
• 11:18
  the
• 11:19
  goal
• 11:19
  of
• 11:19
  helping
• 11:19
  you
• 11:19
  break
• 11:20
  that
• 11:20
  cycle
• 11:20
  of
• 11:20
  financial
• 11:21
  shame
• 11:21
  and
• 11:22
  finally
• 11:22
  step
• 11:22
  into
• 11:23
  confidence.
• 11:23
  I
• 11:23
  want
• 11:23
  to
• 11:24
  give
• 11:24
  that
• 11:24
  to
• 11:24
  you
• 11:24
  for
• 11:24
  free.
• 11:24
  You
• 11:25
  just
• 11:25
  go
• 11:25
  to
• 11:25
  financiallyconfidentchristian.com/becoming
• 11:29
  and
• 11:29
  get
• 11:29
  your
• 11:30
  free
• 11:30
  copy
• 11:30
  today.
• 11:31
  Now,
• 11:32
  tomorrow,
• 11:32
  we're
• 11:32
  going
• 11:32
  to
• 11:32
  continue
• 11:33
  our
• 11:33
  30
• 11:33
  Days
• 11:34
  of
• 11:34
  Money
• 11:34
  struggles.
• 11:34
  We're
• 11:35
  going
• 11:35
  to
• 11:35
  talk
• 11:35
  about
• 11:35
  another
• 11:36
  common
• 11:36
  financial
• 11:37
  struggle.
• 11:38
  This
• 11:38
  is
• 11:38
  one
• 11:39
  that
• 11:39
  I
• 11:39
  have
• 11:39
  to
• 11:39
  admit,
• 11:39
  I've
• 11:40
  felt
• 11:40
  this
• 11:40
  myself,
• 11:41
  and
• 11:41
  it's
• 11:41
  this.
• 11:42
  Why
• 11:42
  your
• 11:43
  money
• 11:43
  might
• 11:43
  disappear
• 11:44
  so
• 11:44
  fast
• 11:44
  every
• 11:45
  month
• 11:45
  and
• 11:46
  how
• 11:46
  to
• 11:46
  gain
• 11:46
  clarity
• 11:47
  over
• 11:47
  its
• 11:48
  flow.
• 11:48
  You
• 11:48
  don't
• 11:49
  want
• 11:49
  to
• 11:49
  miss
• 11:49
  tomorrow's
• 11:49
  show.
• 11:50
  It's
• 11:50
  going
• 11:50
  to
• 11:50
  be
• 11:51
  impactful.
• 11:51
  So
• 11:52
  make
• 11:52
  sure
• 11:52
  you
• 11:52
  join
• 11:52
  me
• 11:53
  now
• 11:54
  today.
• 11:54
  Let's
• 11:54
  all
• 11:54
  go
• 11:54
  out
• 11:55
  there
• 11:55
  and
• 11:55
  be
• 11:55
  those
• 11:55
  financially
• 11:56
  confident
• 11:56
  Christians
• 11:57
  that
• 11:57
  we
• 11:57
  aspire
• 11:57
  to
• 11:58
  be.
• 11:58
  You
• 11:58
  can
• 11:58
  do
• 11:58
  this.
• 11:59
  I
• 11:59
  have
• 12:00
  confidence
• 12:00
  in
• 12:00
  you.
• 12:01
  Have
• 12:01
  confidence
• 12:01
  in
• 12:02
  yourself.
• 12:02
  Stay
• 12:02
  financially
• 12:03
  savvy.
• 12:04
  God
• 12:04
  bless
• 12:04
  you.
• 12:04
  And
• 12:05
  you
• 12:05
  have
• 12:05
  a
• 12:05
  great
• 12:05
  day
• 12:05
  today.