Latest / Becoming Financially Confident / Are You Tired of Living With a Roommate?

Transcript

Are You Tired of Living With a Roommate? · Becoming Financially Confident

• 0:37
  At
• 0:37
  what
• 0:38
  point
• 0:38
  does
• 0:38
  paying
• 0:38
  more
• 0:39
  for
• 0:39
  your
• 0:39
  own
• 0:39
  peace
• 0:40
  actually
• 0:40
  become
• 0:41
  worth
• 0:41
  it?
• 0:42
  Well,
• 0:42
  in
• 0:42
  today's
• 0:42
  episode,
• 0:43
  I
• 0:43
  talk
• 0:43
  with
• 0:43
  someone
• 0:44
  who
• 0:44
  spent
• 0:44
  years
• 0:45
  living
• 0:45
  with
• 0:45
  roommates,
• 0:46
  and
• 0:46
  they
• 0:47
  finally
• 0:47
  reach
• 0:47
  a
• 0:47
  place
• 0:47
  where
• 0:48
  they
• 0:48
  feel
• 0:48
  emotionally
• 0:49
  done
• 0:49
  sharing
• 0:50
  their
• 0:50
  space,
• 0:51
  even
• 0:51
  though
• 0:51
  living
• 0:52
  alone
• 0:52
  is
• 0:52
  going
• 0:52
  to
• 0:52
  raise
• 0:53
  their
• 0:53
  rent
• 0:53
  significantly.
• 0:55
  Financially,
• 0:55
  they
• 0:56
  can
• 0:56
  probably
• 0:56
  make
• 0:56
  it
• 0:56
  work,
• 0:57
  but
• 0:57
  emotionally,
• 0:58
  they're
• 0:58
  wrestling
• 0:59
  with
• 0:59
  guilt
• 0:59
  over
• 0:59
  spending
• 1:00
  more
• 1:00
  for
• 1:00
  something
• 1:01
  that's
• 1:01
  not
• 1:01
  technically
• 1:02
  a
• 1:02
  need.
• 1:03
  Guess
• 1:03
  they've
• 1:04
  been
• 1:04
  listening
• 1:04
  to
• 1:04
  the
• 1:04
  show.
• 1:05
  We
• 1:05
  talk
• 1:05
  about
• 1:05
  needs
• 1:05
  and
• 1:06
  wants,
• 1:06
  and
• 1:07
  underneath
• 1:07
  this
• 1:07
  decision
• 1:08
  is
• 1:08
  a
• 1:08
  deeper
• 1:09
  question
• 1:09
  a
• 1:09
  lot
• 1:09
  of
• 1:10
  people
• 1:10
  quietly
• 1:10
  carry.
• 1:12
  Is
• 1:12
  it
• 1:12
  irresponsible
• 1:13
  to
• 1:13
  spend
• 1:13
  more
• 1:14
  money
• 1:14
  if
• 1:14
  it
• 1:15
  genuinely
• 1:16
  improves
• 1:16
  your
• 1:16
  quality
• 1:17
  of
• 1:17
  life?
• 1:18
  I've
• 1:18
  got
• 1:18
  the
• 1:19
  answer
• 1:19
  to
• 1:19
  that
• 1:19
  question
• 1:20
  on
• 1:20
  today's
• 1:20
  show.
• 1:30
  Hello,
• 1:30
  friend.
• 1:31
  Ralph
• 1:31
  Estep
• 1:32
  Jr.
• 1:32
  Here.
• 1:32
  Thank
• 1:33
  you
• 1:33
  so
• 1:33
  much
• 1:33
  for
• 1:33
  joining
• 1:34
  me
• 1:34
  on
• 1:34
  Financially
• 1:35
  Confident
• 1:35
  Christian.
• 1:36
  If
• 1:36
  you're
• 1:36
  new
• 1:37
  to
• 1:37
  the
• 1:37
  show,
• 1:37
  welcome.
• 1:38
  I
• 1:38
  am
• 1:38
  so
• 1:38
  happy
• 1:38
  you
• 1:39
  chose
• 1:39
  to
• 1:39
  join
• 1:39
  us.
• 1:40
  If
• 1:40
  you're
• 1:40
  returning,
• 1:41
  you
• 1:41
  know,
• 1:41
  every
• 1:41
  day
• 1:42
  my
• 1:42
  goal
• 1:42
  is
• 1:42
  to
• 1:43
  break
• 1:43
  that
• 1:43
  cycle
• 1:44
  of
• 1:44
  financial
• 1:44
  shame
• 1:45
  with
• 1:45
  confidence.
• 1:46
  And
• 1:47
  today
• 1:47
  we've
• 1:47
  got
• 1:47
  a
• 1:47
  question
• 1:48
  that
• 1:48
  a
• 1:48
  lot
• 1:48
  of
• 1:48
  young
• 1:49
  people
• 1:49
  are
• 1:49
  asking.
• 1:50
  Is
• 1:51
  paying
• 1:51
  more
• 1:51
  for
• 1:51
  your
• 1:52
  own
• 1:52
  space
• 1:52
  worth
• 1:53
  it?
• 1:53
  Let's
• 1:54
  get
• 1:54
  right
• 1:54
  into
• 1:54
  today's
• 1:55
  question.
• 1:55
  We
• 1:55
  got
• 1:55
  this
• 1:56
  listener
• 1:56
  question,
• 1:56
  says
• 1:57
  Ralph,
• 1:57
  I'm
• 1:57
  34,
• 1:59
  and
• 1:59
  after
• 1:59
  years
• 1:59
  of
• 2:00
  roommates,
• 2:00
  I
• 2:01
  am
• 2:01
  done.
• 2:02
  My
• 2:03
  current
• 2:03
  roommate
• 2:03
  is
• 2:03
  moving
• 2:04
  out,
• 2:04
  and
• 2:04
  I
• 2:05
  don't
• 2:05
  think
• 2:05
  I
• 2:05
  have
• 2:05
  another
• 2:05
  roommate
• 2:06
  season
• 2:06
  left
• 2:07
  in
• 2:07
  me.
• 2:08
  I
• 2:08
  am
• 2:08
  an
• 2:08
  introvert.
• 2:10
  Home
• 2:10
  is
• 2:10
  my
• 2:10
  peace,
• 2:11
  and
• 2:11
  I
• 2:12
  want
• 2:12
  my
• 2:12
  own
• 2:12
  space.
• 2:13
  But
• 2:14
  here's
• 2:14
  the
• 2:14
  problem.
• 2:15
  The
• 2:15
  problem
• 2:15
  is
• 2:16
  moving
• 2:16
  from
• 2:16
  shared
• 2:17
  housing
• 2:17
  to
• 2:17
  living
• 2:17
  alone
• 2:18
  is
• 2:18
  going
• 2:19
  to
• 2:19
  increase
• 2:19
  my
• 2:19
  rent
• 2:20
  to
• 2:20
  about
• 2:21
  $2,100
• 2:22
  a
• 2:22
  month.
• 2:22
  I'm
• 2:22
  paying
• 2:22
  $1,300
• 2:23
  a
• 2:23
  month
• 2:24
  now.
• 2:25
  I
• 2:25
  make
• 2:25
  about
• 2:25
  $5,500
• 2:26
  a
• 2:26
  month
• 2:26
  after
• 2:27
  taxes.
• 2:28
  I've
• 2:28
  got
• 2:28
  savings,
• 2:29
  I
• 2:29
  got
• 2:29
  no
• 2:30
  debt,
• 2:30
  and
• 2:30
  I
• 2:30
  got
• 2:31
  low
• 2:31
  expenses.
• 2:31
  Otherwise.
• 2:33
  Will
• 2:33
  it
• 2:33
  be
• 2:33
  okay
• 2:34
  if
• 2:34
  I
• 2:34
  make
• 2:34
  this
• 2:35
  move?
• 2:36
  Well,
• 2:36
  I'm
• 2:37
  glad
• 2:37
  you
• 2:37
  asked
• 2:37
  me
• 2:37
  that
• 2:37
  question.
• 2:39
  A
• 2:39
  financial
• 2:40
  decision
• 2:40
  can
• 2:40
  be
• 2:41
  wise
• 2:41
  even
• 2:41
  if
• 2:42
  it
• 2:42
  costs
• 2:42
  more.
• 2:42
  You're
• 2:43
  probably
• 2:43
  amazed
• 2:43
  at
• 2:43
  Ralph
• 2:44
  said
• 2:44
  that.
• 2:44
  Yes.
• 2:46
  But
• 2:46
  when
• 2:46
  it's
• 2:46
  meaningfully
• 2:47
  improving
• 2:48
  your
• 2:48
  life
• 2:48
  and
• 2:49
  still
• 2:49
  fits
• 2:49
  in
• 2:49
  your
• 2:49
  budget,
• 2:49
  those
• 2:50
  are
• 2:50
  things
• 2:50
  we
• 2:50
  got
• 2:50
  to
• 2:50
  wrestle
• 2:51
  with
• 2:51
  this
• 2:51
  day.
• 2:52
  And
• 2:52
  it's
• 2:52
  funny.
• 2:52
  I
• 2:52
  went
• 2:53
  through
• 2:53
  this
• 2:53
  very
• 2:53
  issue
• 2:54
  with
• 2:54
  my
• 2:54
  son,
• 2:55
  my
• 2:55
  youngest
• 2:55
  son,
• 2:55
  a
• 2:55
  few
• 2:56
  months
• 2:56
  ago.
• 2:57
  He'd
• 2:57
  been
• 2:57
  renting
• 2:57
  a
• 2:58
  room
• 2:58
  in
• 2:58
  a
• 2:58
  shared
• 2:58
  house.
• 2:59
  It's
• 2:59
  kind
• 2:59
  of.
• 2:59
  I
• 2:59
  always
• 3:00
  thought
• 3:00
  of
• 3:00
  it
• 3:00
  as
• 3:00
  a
• 3:00
  social
• 3:01
  experiment.
• 3:02
  We
• 3:02
  had
• 3:02
  this
• 3:03
  one,
• 3:03
  rented
• 3:03
  this
• 3:03
  room,
• 3:03
  this
• 3:04
  one
• 3:04
  rented
• 3:04
  this,
• 3:04
  and
• 3:05
  in
• 3:05
  the
• 3:05
  end
• 3:07
  ends
• 3:07
  up
• 3:07
  in
• 3:07
  a
• 3:07
  fist
• 3:08
  fight.
• 3:09
  And
• 3:09
  the
• 3:09
  police
• 3:10
  ended
• 3:10
  up
• 3:10
  coming.
• 3:11
  And
• 3:11
  one
• 3:11
  of
• 3:11
  his
• 3:11
  roommates
• 3:12
  got
• 3:12
  charged
• 3:12
  now
• 3:13
  it
• 3:13
  wasn't
• 3:13
  my
• 3:13
  son
• 3:13
  that
• 3:13
  got
• 3:14
  charged,
• 3:14
  wasn't
• 3:15
  him,
• 3:15
  which
• 3:15
  was
• 3:15
  great.
• 3:17
  But
• 3:17
  like
• 3:17
  my
• 3:18
  son,
• 3:18
  maybe
• 3:18
  you're
• 3:18
  listening
• 3:19
  right
• 3:19
  now
• 3:19
  and
• 3:19
  you've
• 3:19
  had
• 3:20
  enough.
• 3:20
  You've
• 3:21
  had
• 3:21
  enough
• 3:21
  of
• 3:21
  those
• 3:21
  seasons
• 3:22
  of
• 3:22
  Roommates.
• 3:23
  Here's
• 3:24
  what
• 3:24
  I
• 3:24
  recommend
• 3:24
  you
• 3:25
  do.
• 3:25
  You
• 3:26
  got
• 3:26
  to
• 3:26
  start
• 3:26
  by
• 3:26
  recognizing
• 3:27
  this
• 3:27
  is
• 3:27
  not
• 3:27
  purely
• 3:28
  a
• 3:28
  math
• 3:29
  decision.
• 3:30
  If
• 3:31
  it's
• 3:31
  just
• 3:31
  a
• 3:31
  math
• 3:31
  decision,
• 3:32
  you're
• 3:32
  going
• 3:32
  to
• 3:32
  make
• 3:32
  a
• 3:32
  different
• 3:33
  decision.
• 3:34
  But
• 3:34
  housing
• 3:35
  is
• 3:35
  not
• 3:35
  just
• 3:36
  shelter.
• 3:37
  Where
• 3:37
  you
• 3:37
  live
• 3:38
  affects
• 3:38
  your
• 3:38
  peace,
• 3:39
  it
• 3:39
  affects
• 3:40
  your
• 3:40
  rest.
• 3:40
  It
• 3:41
  affects
• 3:41
  your
• 3:41
  emotional
• 3:42
  health
• 3:43
  and
• 3:43
  friend
• 3:44
  quality
• 3:44
  of
• 3:45
  life
• 3:45
  matters.
• 3:46
  It's
• 3:46
  not
• 3:47
  simply,
• 3:47
  well,
• 3:47
  this
• 3:47
  is
• 3:48
  going
• 3:48
  to
• 3:48
  cost
• 3:48
  me
• 3:48
  2100
• 3:49
  and
• 3:49
  I've
• 3:49
  been
• 3:49
  paying
• 3:50
  1,300.
• 3:51
  You
• 3:52
  got
• 3:52
  to
• 3:52
  look
• 3:52
  at
• 3:52
  the
• 3:52
  big
• 3:53
  picture.
• 3:54
  You
• 3:54
  got
• 3:54
  to
• 3:54
  look
• 3:54
  at
• 3:55
  the
• 3:55
  mental
• 3:55
  health
• 3:56
  side
• 3:56
  of
• 3:56
  this,
• 3:56
  the
• 3:56
  emotional,
• 3:57
  the
• 3:57
  peace
• 3:57
  side
• 3:58
  of
• 3:58
  this.
• 3:58
  My
• 3:58
  son
• 3:59
  living
• 3:59
  where
• 3:59
  he
• 3:59
  was,
• 4:00
  there
• 4:00
  was
• 4:00
  no
• 4:00
  peace
• 4:01
  there.
• 4:01
  People
• 4:02
  were
• 4:02
  doing
• 4:02
  all
• 4:02
  kinds
• 4:03
  of
• 4:03
  crazy
• 4:03
  stuff.
• 4:04
  The
• 4:04
  best
• 4:04
  decision
• 4:05
  he
• 4:05
  ever
• 4:05
  made
• 4:06
  was
• 4:06
  to
• 4:06
  move
• 4:06
  out
• 4:07
  on
• 4:07
  his
• 4:07
  own.
• 4:07
  But
• 4:08
  that
• 4:08
  said,
• 4:08
  you
• 4:09
  got
• 4:09
  to
• 4:09
  look
• 4:09
  at
• 4:09
  the
• 4:09
  full
• 4:09
  financial
• 4:10
  picture.
• 4:11
  Now,
• 4:11
  things
• 4:12
  you
• 4:12
  mentioned
• 4:12
  here.
• 4:12
  You
• 4:12
  got
• 4:13
  strong
• 4:13
  income
• 4:13
  relative
• 4:14
  to
• 4:14
  the
• 4:14
  rent,
• 4:14
  that's
• 4:15
  great.
• 4:16
  You
• 4:16
  got
• 4:16
  no
• 4:16
  debt,
• 4:17
  that's
• 4:17
  also
• 4:17
  great.
• 4:18
  You're
• 4:18
  doing
• 4:18
  all
• 4:18
  the
• 4:18
  good
• 4:19
  things,
• 4:19
  healthy
• 4:20
  savings.
• 4:20
  You
• 4:21
  don't
• 4:21
  have
• 4:21
  a
• 4:21
  bunch
• 4:21
  of
• 4:21
  fixed
• 4:22
  obligations.
• 4:23
  And
• 4:24
  you're
• 4:24
  not
• 4:24
  making
• 4:24
  this
• 4:24
  move
• 4:25
  from
• 4:25
  a
• 4:25
  weak
• 4:25
  position.
• 4:26
  That's
• 4:26
  a
• 4:26
  lot
• 4:26
  of
• 4:27
  things.
• 4:27
  A
• 4:27
  lot
• 4:27
  of
• 4:27
  times
• 4:27
  people
• 4:28
  get
• 4:28
  backed
• 4:28
  into
• 4:28
  a
• 4:29
  position
• 4:29
  where
• 4:29
  they've
• 4:29
  got
• 4:29
  to
• 4:30
  make
• 4:30
  a
• 4:30
  decision.
• 4:31
  You
• 4:31
  are
• 4:31
  making
• 4:32
  a
• 4:32
  wise
• 4:32
  decision
• 4:33
  from
• 4:33
  a
• 4:33
  place
• 4:33
  of
• 4:34
  positivity.
• 4:36
  But
• 4:36
  you
• 4:36
  got
• 4:37
  to
• 4:37
  understand
• 4:37
  what
• 4:37
  you're
• 4:38
  buying.
• 4:38
  What
• 4:38
  are
• 4:38
  you
• 4:38
  paying
• 4:39
  for?
• 4:39
  You're
• 4:40
  paying
• 4:40
  for
• 4:40
  privacy.
• 4:41
  You
• 4:41
  don't
• 4:41
  have
• 4:42
  roommates
• 4:42
  anymore.
• 4:43
  You
• 4:43
  can
• 4:43
  do
• 4:43
  what
• 4:43
  you
• 4:43
  want.
• 4:43
  Like
• 4:44
  my
• 4:44
  son
• 4:44
  says,
• 4:44
  he
• 4:44
  can
• 4:44
  run
• 4:44
  around
• 4:45
  his
• 4:45
  house
• 4:45
  with
• 4:45
  no
• 4:45
  clothes
• 4:46
  on.
• 4:46
  Nobody's
• 4:47
  going
• 4:47
  to
• 4:47
  see
• 4:47
  it.
• 4:48
  You're
• 4:48
  buying
• 4:49
  stability.
• 4:49
  You
• 4:50
  don't
• 4:50
  have
• 4:50
  to
• 4:50
  worry
• 4:50
  about
• 4:51
  is
• 4:51
  that
• 4:51
  roommate
• 4:51
  not
• 4:52
  pay
• 4:52
  the
• 4:52
  rent.
• 4:52
  Do
• 4:52
  we
• 4:52
  get
• 4:52
  thrown
• 4:53
  out
• 4:53
  of
• 4:53
  here?
• 4:54
  You're
• 4:54
  buying
• 4:54
  emotional
• 4:55
  peace.
• 4:56
  You're
• 4:56
  buying
• 4:57
  control
• 4:57
  over
• 4:57
  your
• 4:58
  own
• 4:58
  environment.
• 5:00
  Now,
• 5:00
  from
• 5:00
  a
• 5:00
  math
• 5:01
  perspective,
• 5:01
  as
• 5:01
  the
• 5:02
  financial
• 5:02
  guy,
• 5:04
  that's
• 5:04
  not
• 5:04
  necessarily
• 5:05
  a
• 5:05
  financial
• 5:05
  return,
• 5:07
  but
• 5:08
  it's
• 5:08
  so
• 5:08
  much
• 5:08
  bigger
• 5:08
  than
• 5:09
  that.
• 5:10
  But
• 5:10
  you
• 5:10
  got
• 5:10
  to
• 5:10
  be
• 5:11
  honest
• 5:11
  about
• 5:11
  the
• 5:11
  trade
• 5:11
  offs
• 5:12
  too.
• 5:13
  Higher
• 5:13
  rent
• 5:13
  means
• 5:14
  less
• 5:14
  margin.
• 5:14
  You
• 5:14
  might
• 5:15
  not
• 5:15
  be
• 5:15
  able
• 5:15
  to
• 5:15
  eat
• 5:15
  out
• 5:16
  as
• 5:16
  much.
• 5:16
  You
• 5:16
  may
• 5:16
  have
• 5:16
  to
• 5:17
  curtail
• 5:17
  your
• 5:17
  spending.
• 5:18
  You
• 5:18
  may
• 5:18
  have
• 5:18
  to
• 5:18
  look
• 5:18
  at
• 5:18
  ways
• 5:19
  to
• 5:19
  save
• 5:19
  some
• 5:20
  money.
• 5:20
  But
• 5:20
  think
• 5:20
  about
• 5:20
  the
• 5:21
  peace
• 5:21
  you're
• 5:21
  going
• 5:21
  to
• 5:22
  have
• 5:22
  not
• 5:22
  dealing
• 5:23
  with
• 5:23
  those
• 5:23
  roommates
• 5:23
  anymore.
• 5:24
  Yeah,
• 5:25
  it
• 5:25
  might
• 5:25
  mean
• 5:25
  less
• 5:26
  flexibility.
• 5:27
  You
• 5:27
  might
• 5:27
  not
• 5:27
  be
• 5:27
  able
• 5:27
  to
• 5:28
  increase
• 5:28
  your
• 5:28
  lifestyle.
• 5:30
  It
• 5:31
  also
• 5:31
  means
• 5:31
  you're
• 5:32
  Going
• 5:32
  to
• 5:32
  have
• 5:32
  less
• 5:32
  room
• 5:32
  for
• 5:33
  careless
• 5:33
  spending
• 5:34
  what
• 5:34
  we
• 5:34
  call
• 5:34
  disposable
• 5:35
  income.
• 5:37
  But
• 5:38
  peace
• 5:38
  requires
• 5:39
  discipline.
• 5:40
  And
• 5:40
  that
• 5:40
  might
• 5:40
  mean
• 5:41
  you
• 5:41
  have
• 5:41
  to
• 5:41
  trim
• 5:41
  your
• 5:41
  budget
• 5:42
  in
• 5:42
  other
• 5:42
  places.
• 5:42
  But
• 5:42
  man,
• 5:43
  I
• 5:43
  hear
• 5:43
  it
• 5:43
  in
• 5:43
  your
• 5:44
  voice,
• 5:44
  of
• 5:44
  your
• 5:44
  tone
• 5:44
  of
• 5:45
  voice,
• 5:45
  in
• 5:45
  this
• 5:45
  letter
• 5:46
  that
• 5:46
  you
• 5:46
  sent
• 5:46
  me.
• 5:47
  You're
• 5:47
  done.
• 5:48
  I
• 5:48
  get
• 5:48
  it.
• 5:49
  But
• 5:50
  make
• 5:50
  sure
• 5:50
  that
• 5:50
  decision
• 5:51
  fits
• 5:51
  your
• 5:51
  long
• 5:51
  term
• 5:52
  goals.
• 5:53
  You
• 5:53
  said
• 5:53
  you
• 5:53
  had
• 5:54
  savings.
• 5:54
  Look
• 5:54
  at
• 5:55
  your
• 5:55
  savings
• 5:55
  goals.
• 5:55
  Are
• 5:56
  you
• 5:56
  meeting
• 5:56
  those?
• 5:57
  Review
• 5:57
  your
• 5:58
  future
• 5:58
  plans.
• 5:59
  Got
• 5:59
  to
• 5:59
  make
• 5:59
  sure
• 6:00
  this
• 6:00
  one
• 6:01
  time
• 6:01
  decision
• 6:01
  doesn't
• 6:02
  derail
• 6:02
  a
• 6:02
  bigger
• 6:03
  priority.
• 6:04
  But
• 6:04
  in
• 6:04
  the
• 6:04
  end,
• 6:04
  if
• 6:05
  it
• 6:05
  fits,
• 6:06
  stop
• 6:06
  apologizing
• 6:07
  for
• 6:07
  wanting
• 6:08
  peace
• 6:08
  in
• 6:08
  your
• 6:08
  life.
• 6:10
  Hear
• 6:10
  me
• 6:10
  on
• 6:10
  this.
• 6:11
  Everyone
• 6:11
  deserves
• 6:12
  peace
• 6:12
  in
• 6:12
  their
• 6:13
  life.
• 6:13
  I
• 6:13
  liken
• 6:13
  it
• 6:13
  to
• 6:13
  a
• 6:14
  castle.
• 6:15
  When
• 6:15
  I
• 6:15
  go
• 6:15
  home
• 6:15
  at
• 6:16
  night,
• 6:16
  I
• 6:16
  want
• 6:16
  the
• 6:16
  castle
• 6:17
  to
• 6:17
  be
• 6:17
  safe.
• 6:18
  I
• 6:18
  want
• 6:18
  it
• 6:18
  to
• 6:18
  be
• 6:19
  peaceful.
• 6:19
  I
• 6:19
  want
• 6:20
  it
• 6:20
  to
• 6:20
  be
• 6:20
  tranquil.
• 6:22
  Let's
• 6:22
  take
• 6:22
  this
• 6:22
  a
• 6:22
  little
• 6:22
  deeper
• 6:23
  because
• 6:24
  I
• 6:24
  think
• 6:24
  part
• 6:24
  of
• 6:24
  what
• 6:25
  you're
• 6:25
  wrestling
• 6:25
  with
• 6:25
  here
• 6:25
  is
• 6:26
  not
• 6:26
  just
• 6:26
  the
• 6:26
  cost,
• 6:28
  it's
• 6:28
  the
• 6:28
  guilt.
• 6:29
  It's
• 6:30
  that
• 6:30
  guilt
• 6:30
  of
• 6:30
  spending
• 6:31
  more
• 6:31
  on
• 6:31
  something
• 6:32
  that
• 6:32
  others
• 6:32
  might
• 6:32
  call
• 6:33
  unnecessary.
• 6:35
  Like
• 6:35
  maybe
• 6:36
  peace
• 6:36
  should
• 6:36
  cost
• 6:36
  less.
• 6:38
  Maybe
• 6:38
  wanting
• 6:39
  your
• 6:39
  own
• 6:39
  space
• 6:39
  is
• 6:39
  really
• 6:40
  being
• 6:40
  indulgent.
• 6:42
  But
• 6:43
  friend,
• 6:43
  God
• 6:43
  sees
• 6:43
  you
• 6:43
  differently
• 6:44
  than
• 6:44
  that.
• 6:45
  You
• 6:46
  wanting
• 6:46
  peace,
• 6:47
  you
• 6:47
  wanting
• 6:47
  rest,
• 6:48
  you
• 6:48
  wanting
• 6:49
  healthy
• 6:49
  space.
• 6:49
  That's
• 6:50
  not
• 6:50
  selfish.
• 6:52
  Those
• 6:52
  are
• 6:52
  all
• 6:52
  things
• 6:52
  you
• 6:53
  deserve.
• 6:54
  So
• 6:55
  I
• 6:55
  would
• 6:55
  just
• 6:55
  say
• 6:55
  right
• 6:55
  now,
• 6:56
  ask
• 6:56
  the
• 6:56
  Lord
• 6:56
  to
• 6:56
  give
• 6:56
  you
• 6:57
  some
• 6:57
  guidance
• 6:57
  here.
• 6:57
  Ask
• 6:58
  him
• 6:58
  to
• 6:58
  help
• 6:58
  you
• 6:58
  make
• 6:59
  a
• 6:59
  decision
• 6:59
  without
• 7:00
  guilt,
• 7:00
  but
• 7:01
  really
• 7:01
  with
• 7:01
  wisdom.
• 7:03
  Because
• 7:03
  peace
• 7:04
  is
• 7:04
  not
• 7:04
  a
• 7:05
  waste
• 7:05
  of
• 7:05
  money
• 7:06
  when
• 7:06
  it
• 7:06
  fits
• 7:06
  in
• 7:07
  with
• 7:07
  wisdom.
• 7:08
  So
• 7:09
  here's
• 7:09
  your
• 7:09
  win
• 7:09
  for
• 7:09
  today.
• 7:11
  In
• 7:11
  the
• 7:11
  end,
• 7:12
  it's
• 7:12
  all
• 7:12
  about
• 7:12
  intentional
• 7:13
  spending
• 7:13
  and
• 7:14
  budgeting.
• 7:15
  So
• 7:15
  for
• 7:16
  you,
• 7:16
  calculate
• 7:16
  your
• 7:16
  new
• 7:17
  monthly
• 7:17
  leftover
• 7:17
  amount.
• 7:18
  So
• 7:18
  subtract
• 7:19
  that
• 7:19
  higher
• 7:19
  rent
• 7:19
  from
• 7:20
  your
• 7:20
  average
• 7:20
  monthly
• 7:20
  income
• 7:21
  and
• 7:21
  then
• 7:22
  you'll
• 7:22
  see
• 7:22
  the
• 7:22
  real
• 7:22
  numbers
• 7:23
  before
• 7:23
  deciding
• 7:23
  on
• 7:24
  something
• 7:24
  emotionally.
• 7:24
  You
• 7:25
  said
• 7:25
  it.
• 7:25
  I'm
• 7:25
  done,
• 7:25
  Ralph.
• 7:26
  But
• 7:27
  make
• 7:27
  sure
• 7:27
  financially
• 7:28
  you
• 7:28
  can
• 7:28
  swing
• 7:28
  this.
• 7:29
  Because
• 7:29
  what
• 7:29
  you
• 7:29
  don't
• 7:29
  want
• 7:30
  to
• 7:30
  do
• 7:30
  is
• 7:30
  move
• 7:31
  out
• 7:31
  on
• 7:31
  your
• 7:31
  own
• 7:32
  and
• 7:32
  then
• 7:32
  be
• 7:32
  strapped
• 7:33
  and
• 7:33
  not
• 7:33
  be
• 7:33
  able
• 7:33
  to
• 7:34
  pay
• 7:34
  for
• 7:34
  it.
• 7:34
  I
• 7:34
  don't
• 7:34
  think
• 7:34
  that's
• 7:35
  the
• 7:35
  case
• 7:35
  with
• 7:35
  you.
• 7:35
  You've
• 7:36
  laid
• 7:36
  out
• 7:36
  some
• 7:36
  basic
• 7:37
  numbers
• 7:37
  that
• 7:37
  I
• 7:37
  think
• 7:37
  you're
• 7:37
  in
• 7:38
  really
• 7:38
  good
• 7:38
  shape.
• 7:39
  But
• 7:39
  do
• 7:39
  the
• 7:40
  numbers
• 7:40
  take
• 7:40
  a
• 7:40
  look
• 7:40
  at
• 7:41
  it.
• 7:41
  Make
• 7:41
  that
• 7:41
  decision
• 7:42
  both
• 7:42
  mentally
• 7:43
  and
• 7:43
  emotionally
• 7:44
  and
• 7:44
  financially
• 7:45
  and
• 7:46
  make
• 7:46
  sure
• 7:46
  all
• 7:46
  those
• 7:46
  things
• 7:46
  line
• 7:46
  up.
• 7:47
  Let's
• 7:47
  get
• 7:47
  to
• 7:48
  our
• 7:48
  Bible
• 7:48
  verse
• 7:49
  today
• 7:49
  comes
• 7:49
  to
• 7:49
  us
• 7:50
  from
• 7:50
  the
• 7:50
  book
• 7:50
  of
• 7:50
  Proverbs
• 7:51
  15,
• 7:52
  16.
• 7:53
  It
• 7:54
  says,
• 7:54
  Better
• 7:54
  a
• 7:55
  little
• 7:55
  with
• 7:55
  the
• 7:55
  fear
• 7:55
  of
• 7:55
  the
• 7:55
  Lord
• 7:56
  than
• 7:56
  great
• 7:57
  wealth
• 7:57
  with
• 7:57
  turmoil.
• 7:59
  See,
• 7:59
  I
• 7:59
  could
• 7:59
  drop
• 7:59
  the
• 7:59
  mic
• 8:00
  on
• 8:00
  that
• 8:00
  one,
• 8:00
  because
• 8:01
  that's
• 8:01
  really
• 8:01
  what
• 8:01
  we're
• 8:02
  talking
• 8:02
  about
• 8:02
  today,
• 8:03
  peace
• 8:03
  and
• 8:04
  stability
• 8:04
  matter
• 8:05
  more
• 8:05
  than
• 8:05
  maximizing
• 8:06
  every
• 8:06
  dollar.
• 8:07
  Yes,
• 8:07
  Ralph
• 8:08
  said
• 8:08
  it
• 8:08
  needs
• 8:09
  versus
• 8:09
  wants.
• 8:10
  But
• 8:11
  but
• 8:11
  the
• 8:11
  need
• 8:11
  to
• 8:12
  have
• 8:12
  peace,
• 8:13
  the
• 8:13
  need
• 8:13
  to
• 8:13
  have
• 8:14
  tranquility,
• 8:15
  and
• 8:15
  the
• 8:15
  need
• 8:15
  to
• 8:15
  have
• 8:16
  personal
• 8:16
  security
• 8:17
  is
• 8:18
  sometimes
• 8:18
  worth
• 8:18
  more
• 8:19
  than
• 8:19
  the
• 8:19
  dollar.
• 8:20
  Let's
• 8:21
  pray
• 8:21
  together.
• 8:22
  Heavenly
• 8:22
  Father,
• 8:23
  I
• 8:23
  just
• 8:23
  want
• 8:24
  to
• 8:24
  lift
• 8:24
  up
• 8:24
  the
• 8:24
  person
• 8:24
  trying
• 8:25
  to
• 8:25
  make
• 8:25
  this
• 8:25
  difficult
• 8:26
  decision.
• 8:27
  And
• 8:27
  Lord,
• 8:27
  you
• 8:28
  see
• 8:28
  their
• 8:28
  desire
• 8:28
  for
• 8:29
  peace,
• 8:29
  you
• 8:29
  see
• 8:30
  their
• 8:30
  concern
• 8:30
  about
• 8:31
  making
• 8:31
  the
• 8:31
  right
• 8:31
  choice,
• 8:32
  and
• 8:32
  you
• 8:32
  know
• 8:33
  that
• 8:33
  tension
• 8:33
  they
• 8:33
  feel
• 8:33
  around
• 8:34
  the
• 8:34
  cost.
• 8:34
  Lord,
• 8:35
  I
• 8:36
  just
• 8:36
  ask
• 8:36
  right
• 8:36
  now
• 8:36
  that
• 8:37
  you
• 8:37
  would
• 8:37
  give
• 8:37
  them
• 8:37
  wisdom
• 8:38
  to
• 8:38
  evaluate
• 8:38
  this.
• 8:39
  Honestly
• 8:41
  help
• 8:41
  them
• 8:41
  know
• 8:41
  whether
• 8:41
  this
• 8:42
  move
• 8:42
  supports
• 8:42
  the
• 8:43
  life
• 8:43
  you're
• 8:43
  calling
• 8:43
  them
• 8:44
  to
• 8:44
  build.
• 8:45
  And
• 8:45
  Lord,
• 8:45
  remove
• 8:46
  guilt
• 8:46
  where
• 8:46
  there
• 8:46
  is
• 8:47
  none
• 8:47
  and
• 8:48
  guide
• 8:48
  them
• 8:48
  towards
• 8:49
  wise
• 8:49
  stewardship
• 8:50
  in
• 8:51
  every
• 8:51
  part
• 8:51
  of
• 8:51
  this
• 8:51
  decision.
• 8:53
  Let
• 8:53
  peace
• 8:54
  and
• 8:54
  wisdom
• 8:54
  walk
• 8:55
  together
• 8:55
  in
• 8:55
  all
• 8:56
  of
• 8:56
  our
• 8:56
  lives
• 8:56
  and
• 8:56
  we
• 8:57
  ask
• 8:57
  this
• 8:57
  in
• 8:58
  Jesus
• 8:58
  name.
• 8:59
  Amen.
• 9:01
  Friends,
• 9:02
  Sometimes
• 9:02
  paying
• 9:03
  more
• 9:03
  is
• 9:03
  worth
• 9:03
  it
• 9:03
  when
• 9:04
  it
• 9:04
  supports
• 9:04
  a
• 9:04
  healthier
• 9:05
  life.
• 9:06
  It
• 9:06
  just
• 9:06
  is.
• 9:07
  And
• 9:08
  maybe
• 9:08
  right
• 9:08
  now
• 9:09
  you're
• 9:09
  listening
• 9:09
  or
• 9:09
  you're
• 9:10
  watching
• 9:10
  and
• 9:10
  you're
• 9:10
  wrestling
• 9:11
  with
• 9:11
  a
• 9:11
  financial
• 9:11
  decision
• 9:12
  that
• 9:12
  feels
• 9:12
  emotional
• 9:13
  or
• 9:13
  personal
• 9:14
  or
• 9:14
  complicated.
• 9:15
  I'd
• 9:16
  love
• 9:16
  to
• 9:16
  help
• 9:16
  you
• 9:16
  navigate
• 9:17
  that.
• 9:17
  You
• 9:18
  can
• 9:18
  send
• 9:18
  me
• 9:18
  your
• 9:18
  question
• 9:21
  at
• 9:22
  financiallyconfidentchristian.com/question
• 9:23
  because
• 9:24
  you're
• 9:24
  probably
• 9:24
  not
• 9:24
  the
• 9:24
  only
• 9:25
  one
• 9:25
  carrying
• 9:25
  that
• 9:25
  question.
• 9:27
  Why?
• 9:27
  Stewardship
• 9:28
  is
• 9:28
  not
• 9:28
  just
• 9:29
  about
• 9:29
  spending
• 9:29
  less.
• 9:31
  It's
• 9:31
  about
• 9:31
  building
• 9:31
  a
• 9:32
  life
• 9:32
  with
• 9:32
  peace,
• 9:33
  with
• 9:33
  purpose
• 9:34
  and
• 9:34
  margin.
• 9:34
  So
• 9:34
  if
• 9:34
  you're
• 9:35
  battling
• 9:35
  something
• 9:35
  right
• 9:36
  now,
• 9:36
  reach
• 9:36
  out
• 9:36
  to
• 9:37
  me.
• 9:37
  Go
• 9:37
  to
• 9:37
  financiallyconfidentchristian.com/question
• 9:41
  Well,
• 9:41
  thank
• 9:41
  you
• 9:42
  so
• 9:42
  much
• 9:42
  for
• 9:42
  joining
• 9:42
  me
• 9:43
  today.
• 9:43
  I
• 9:43
  appreciate
• 9:44
  when
• 9:44
  you
• 9:44
  come
• 9:44
  and
• 9:44
  visit
• 9:45
  with
• 9:45
  me
• 9:45
  every
• 9:45
  day.
• 9:46
  It
• 9:46
  really
• 9:46
  helps
• 9:47
  me
• 9:47
  feel
• 9:47
  good
• 9:47
  about
• 9:47
  where
• 9:48
  we're
• 9:48
  going
• 9:48
  with
• 9:48
  the
• 9:48
  show.
• 9:49
  So
• 9:49
  I
• 9:49
  encourage
• 9:49
  you
• 9:50
  stay
• 9:50
  financially
• 9:50
  savvy.
• 9:51
  May
• 9:51
  God
• 9:52
  bless
• 9:52
  you
• 9:52
  and
• 9:53
  you
• 9:53
  have
• 9:53
  a
• 9:53
  truly
• 9:54
  wonderful
• 9:54
  day.
• 10:05
  Sam.