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My Emergency Fund Is Gone - Now What? · Becoming Financially Confident

• 1:20
  Have
• 1:20
  you
• 1:20
  finally
• 1:21
  scraped
• 1:21
  together
• 1:22
  a
• 1:22
  small
• 1:22
  emergency
• 1:23
  fund?
• 1:24
  And
• 1:24
  then
• 1:24
  one
• 1:24
  car
• 1:25
  repair
• 1:25
  just
• 1:25
  wipes
• 1:26
  it
• 1:26
  out
• 1:26
  in
• 1:26
  a
• 1:26
  single
• 1:27
  week?
• 1:28
  And
• 1:28
  then
• 1:29
  you're
• 1:29
  thinking
• 1:29
  to
• 1:29
  yourself,
• 1:30
  what's
• 1:31
  the
• 1:31
  point?
• 1:31
  I'm
• 1:31
  never
• 1:32
  going
• 1:32
  to
• 1:32
  get
• 1:32
  ahead.
• 1:34
  If
• 1:34
  that's
• 1:34
  where
• 1:34
  you
• 1:34
  are
• 1:35
  today,
• 1:35
  I
• 1:36
  want
• 1:36
  you
• 1:36
  to
• 1:36
  know
• 1:36
  I
• 1:36
  hear
• 1:37
  you.
• 1:37
  And
• 1:38
  today
• 1:38
  I'm
• 1:38
  going
• 1:38
  to
• 1:38
  help
• 1:38
  you
• 1:39
  break
• 1:39
  that
• 1:39
  worry
• 1:39
  cycle
• 1:40
  with
• 1:40
  a
• 1:40
  simple
• 1:41
  rebuild
• 1:41
  plan
• 1:42
  that
• 1:42
  makes
• 1:42
  the
• 1:42
  next
• 1:43
  surprise
• 1:43
  feel
• 1:43
  smaller
• 1:44
  and
• 1:45
  at
• 1:45
  the
• 1:45
  same
• 1:45
  time,
• 1:46
  your
• 1:46
  peace
• 1:46
  feels
• 1:47
  stronger.
• 2:09
  Hey,
• 2:09
  friend.
• 2:10
  Ralph
• 2:10
  Estep
• 2:10
  Jr.
• 2:11
  Here.
• 2:11
  Welcome.
• 2:12
  Welcome
• 2:12
  to
• 2:12
  Financially
• 2:12
  Confident
• 2:13
  Christian.
• 2:14
  My
• 2:14
  goal
• 2:14
  on
• 2:14
  this
• 2:15
  show
• 2:15
  is
• 2:15
  to
• 2:15
  help
• 2:15
  you
• 2:15
  break
• 2:16
  that
• 2:16
  cycle
• 2:16
  of
• 2:17
  financial
• 2:17
  shame
• 2:18
  and
• 2:18
  do
• 2:18
  it
• 2:19
  with
• 2:19
  confidence.
• 2:20
  And
• 2:20
  today
• 2:21
  we're
• 2:21
  talking
• 2:21
  about
• 2:21
  what
• 2:22
  to
• 2:22
  do
• 2:22
  when
• 2:22
  your
• 2:22
  emergency
• 2:23
  fund
• 2:23
  gets
• 2:23
  used
• 2:24
  and
• 2:25
  all
• 2:25
  of
• 2:25
  a
• 2:25
  sudden
• 2:25
  you
• 2:25
  find
• 2:25
  yourself
• 2:26
  in
• 2:26
  that
• 2:26
  high
• 2:26
  anxiety
• 2:27
  spike
• 2:28
  again.
• 2:29
  Well,
• 2:29
  let's
• 2:29
  get
• 2:29
  right
• 2:29
  to
• 2:29
  today's
• 2:30
  listener
• 2:30
  question.
• 2:31
  Ralph,
• 2:32
  I'm
• 2:32
  tired
• 2:33
  of
• 2:33
  living
• 2:33
  in
• 2:33
  this
• 2:33
  cycle
• 2:34
  of
• 2:34
  money
• 2:34
  stress
• 2:35
  and
• 2:35
  financial
• 2:36
  anxiety.
• 2:37
  I
• 2:37
  feel
• 2:38
  like
• 2:38
  no
• 2:38
  matter
• 2:38
  what
• 2:38
  I
• 2:39
  do,
• 2:39
  I
• 2:40
  can't
• 2:40
  get
• 2:40
  ahead.
• 2:41
  I
• 2:42
  was
• 2:42
  finally
• 2:42
  able
• 2:42
  to
• 2:42
  start
• 2:43
  a
• 2:43
  small
• 2:43
  emergency
• 2:43
  fund
• 2:44
  and
• 2:44
  saved
• 2:44
  about
• 2:45
  $500.
• 2:47
  And
• 2:47
  then
• 2:47
  just
• 2:47
  last
• 2:47
  week,
• 2:48
  my
• 2:48
  car
• 2:48
  needed
• 2:48
  that
• 2:49
  emergency
• 2:49
  repair
• 2:50
  and
• 2:50
  rap.
• 2:51
  There
• 2:51
  goes
• 2:51
  my
• 2:51
  savings.
• 2:53
  Now
• 2:53
  I'm
• 2:53
  worried
• 2:54
  again.
• 2:55
  What
• 2:55
  can
• 2:55
  I
• 2:55
  finally
• 2:56
  do
• 2:56
  to
• 2:56
  break
• 2:57
  this
• 2:57
  worry
• 2:57
  cycle?
• 2:59
  Well,
• 2:59
  I
• 2:59
  just
• 2:59
  want
• 2:59
  to
• 2:59
  start
• 3:00
  by
• 3:00
  saying
• 3:00
  thank
• 3:00
  you
• 3:00
  so
• 3:01
  much
• 3:01
  for
• 3:01
  sending
• 3:01
  me
• 3:01
  your
• 3:02
  question.
• 3:02
  I
• 3:02
  appreciate
• 3:03
  the
• 3:03
  vulnerability
• 3:04
  you're
• 3:04
  sharing.
• 3:05
  And
• 3:05
  my
• 3:06
  big
• 3:06
  takeaway
• 3:06
  for
• 3:06
  today
• 3:07
  is
• 3:07
  you
• 3:07
  gotta
• 3:07
  break
• 3:07
  that
• 3:08
  worry
• 3:08
  cycle
• 3:08
  by
• 3:09
  turning
• 3:09
  those
• 3:09
  emergencies
• 3:10
  into
• 3:10
  a
• 3:11
  plan.
• 3:11
  That's
• 3:12
  what
• 3:12
  we're
• 3:12
  really
• 3:12
  gonna
• 3:12
  focus
• 3:12
  on
• 3:13
  today
• 3:13
  because
• 3:13
  that
• 3:14
  anxiety
• 3:14
  stops
• 3:15
  being
• 3:15
  your
• 3:15
  alarm
• 3:16
  system
• 3:16
  when
• 3:17
  you've
• 3:17
  got
• 3:17
  a
• 3:17
  plan.
• 3:18
  So
• 3:18
  let's
• 3:19
  start
• 3:19
  off
• 3:19
  by
• 3:19
  name.
• 3:20
  You
• 3:20
  know,
• 3:20
  if
• 3:20
  you
• 3:20
  listen
• 3:20
  to
• 3:21
  my
• 3:21
  show,
• 3:21
  you
• 3:21
  know,
• 3:21
  I
• 3:22
  like
• 3:22
  to
• 3:22
  name
• 3:22
  things
• 3:22
  because
• 3:23
  I
• 3:23
  think
• 3:23
  when
• 3:23
  we
• 3:23
  name
• 3:24
  things,
• 3:24
  it
• 3:25
  brings
• 3:25
  them
• 3:25
  out.
• 3:25
  So
• 3:25
  let's
• 3:26
  start
• 3:26
  the
• 3:26
  first
• 3:26
  thing.
• 3:27
  Name
• 3:27
  what
• 3:28
  happened
• 3:28
  correctly,
• 3:29
  and
• 3:30
  I'm
• 3:30
  going
• 3:30
  to
• 3:30
  pick
• 3:30
  on
• 3:30
  you
• 3:30
  a
• 3:31
  little
• 3:31
  bit.
• 3:32
  Your
• 3:32
  $500
• 3:33
  didn't
• 3:33
  disappear.
• 3:35
  It
• 3:35
  actually
• 3:35
  worked
• 3:36
  for
• 3:36
  you.
• 3:36
  It
• 3:36
  protected
• 3:36
  you.
• 3:37
  It
• 3:38
  did
• 3:38
  what
• 3:38
  it
• 3:38
  was
• 3:38
  supposed
• 3:39
  to
• 3:39
  do
• 3:39
  because
• 3:40
  you
• 3:40
  avoided
• 3:41
  those
• 3:41
  worse
• 3:41
  outcomes.
• 3:42
  You
• 3:42
  didn't
• 3:42
  tell
• 3:42
  me
• 3:43
  you
• 3:43
  went
• 3:43
  into
• 3:43
  a
• 3:43
  debt
• 3:43
  spiral.
• 3:44
  You
• 3:44
  didn't
• 3:45
  tell
• 3:45
  me
• 3:45
  that
• 3:45
  you
• 3:45
  couldn't
• 3:46
  afford
• 3:46
  to
• 3:46
  get
• 3:46
  your
• 3:46
  car
• 3:47
  fixed
• 3:47
  so
• 3:47
  you
• 3:47
  were
• 3:47
  taking
• 3:47
  the
• 3:48
  bus.
• 3:48
  You
• 3:49
  didn't
• 3:49
  tell
• 3:49
  me
• 3:49
  that
• 3:50
  you
• 3:50
  charged
• 3:50
  up
• 3:51
  a
• 3:51
  credit
• 3:51
  card.
• 3:51
  You
• 3:52
  didn't
• 3:52
  tell
• 3:52
  me
• 3:52
  that
• 3:53
  you
• 3:53
  had
• 3:53
  late
• 3:53
  bills
• 3:54
  or
• 3:54
  you
• 3:54
  made
• 3:54
  some
• 3:54
  panic
• 3:55
  decision.
• 3:56
  This
• 3:56
  is
• 3:57
  actually
• 3:57
  progress.
• 3:57
  So
• 3:58
  start
• 3:58
  by
• 3:58
  saying,
• 3:58
  you
• 3:58
  know
• 3:59
  what?
• 3:59
  This
• 3:59
  is
• 3:59
  progress.
• 4:00
  The
• 4:00
  emergency
• 4:00
  fund
• 4:01
  that
• 4:01
  I
• 4:01
  set
• 4:01
  up,
• 4:02
  it
• 4:02
  did
• 4:02
  exactly
• 4:03
  what
• 4:04
  I
• 4:04
  intended
• 4:05
  it
• 4:05
  to
• 4:05
  do.
• 4:06
  So
• 4:06
  give
• 4:07
  yourself
• 4:07
  some
• 4:08
  kudos.
• 4:08
  Give
• 4:08
  yourself
• 4:08
  a
• 4:09
  pat
• 4:09
  on
• 4:09
  the
• 4:09
  back.
• 4:10
  Name
• 4:10
  what
• 4:10
  happened?
• 4:10
  It
• 4:11
  didn't
• 4:11
  disappear.
• 4:12
  It
• 4:12
  did
• 4:12
  exactly
• 4:13
  what
• 4:13
  it
• 4:13
  was
• 4:13
  charged
• 4:14
  to
• 4:14
  do.
• 4:15
  Second
• 4:15
  thing,
• 4:16
  now
• 4:16
  it's
• 4:16
  time
• 4:16
  to
• 4:16
  build
• 4:17
  a
• 4:17
  bounce
• 4:17
  back
• 4:18
  plan.
• 4:18
  You
• 4:19
  might
• 4:19
  be
• 4:19
  saying,
• 4:19
  ralph,
• 4:20
  that's
• 4:20
  exactly
• 4:20
  what
• 4:20
  I
• 4:21
  need.
• 4:21
  I
• 4:21
  need
• 4:22
  that
• 4:22
  bounce
• 4:22
  back
• 4:23
  plan.
• 4:24
  How
• 4:24
  do
• 4:24
  you
• 4:24
  do
• 4:24
  that?
• 4:25
  Let's
• 4:26
  start
• 4:26
  off
• 4:26
  simple.
• 4:27
  Let's
• 4:27
  start
• 4:27
  with
• 4:27
  that
• 4:28
  500
• 4:28
  target
• 4:28
  again.
• 4:29
  We
• 4:29
  want
• 4:29
  to
• 4:29
  build
• 4:30
  that
• 4:30
  500
• 4:31
  back
• 4:31
  the
• 4:31
  same
• 4:31
  goal
• 4:32
  we
• 4:32
  had
• 4:32
  before
• 4:33
  so
• 4:33
  you
• 4:33
  can
• 4:33
  get
• 4:33
  to
• 4:33
  that
• 4:34
  same
• 4:34
  win.
• 4:34
  Create
• 4:35
  some
• 4:35
  automatic
• 4:36
  savings,
• 4:36
  maybe
• 4:37
  a
• 4:37
  repeatable
• 4:37
  weekly
• 4:38
  amount
• 4:38
  of
• 4:38
  $10
• 4:39
  or
• 4:39
  $15
• 4:40
  or
• 4:41
  $25.
• 4:41
  And
• 4:42
  as
• 4:42
  you
• 4:42
  know,
• 4:42
  I
• 4:42
  see
• 4:42
  on
• 4:42
  this
• 4:43
  show
• 4:43
  frequently,
• 4:44
  automate
• 4:44
  it
• 4:45
  if
• 4:45
  it's
• 4:45
  possible.
• 4:46
  But
• 4:46
  just
• 4:46
  think
• 4:47
  about,
• 4:47
  you've
• 4:47
  done
• 4:47
  this
• 4:47
  before.
• 4:48
  You've
• 4:48
  had
• 4:48
  that
• 4:48
  win
• 4:49
  before.
• 4:49
  You
• 4:49
  can
• 4:49
  do
• 4:50
  this.
• 4:51
  And
• 4:51
  it
• 4:51
  might
• 4:51
  feel
• 4:51
  tough
• 4:52
  at
• 4:52
  first.
• 4:52
  You
• 4:52
  might
• 4:52
  be
• 4:53
  like,
• 4:53
  wait,
• 4:53
  what
• 4:53
  happens
• 4:54
  if
• 4:54
  something
• 4:54
  else
• 4:54
  happens?
• 4:55
  Let's
• 4:55
  not
• 4:55
  worry
• 4:55
  about
• 4:56
  that
• 4:56
  right
• 4:56
  now.
• 4:56
  Let's
• 4:57
  build
• 4:57
  that
• 4:57
  consistency.
• 4:58
  This
• 4:58
  isn't
• 4:58
  a
• 4:58
  race.
• 5:00
  We're
• 5:00
  just
• 5:00
  going
• 5:00
  to
• 5:00
  build
• 5:00
  that
• 5:01
  consistency
• 5:01
  to
• 5:01
  build
• 5:01
  that
• 5:02
  fun
• 5:02
  back
• 5:02
  up.
• 5:03
  Now
• 5:03
  here's
• 5:04
  another
• 5:04
  thing
• 5:04
  I
• 5:04
  want
• 5:04
  to
• 5:04
  encourage
• 5:05
  you
• 5:05
  to
• 5:05
  do.
• 5:05
  A
• 5:05
  lot
• 5:06
  of
• 5:06
  people
• 5:06
  don't
• 5:06
  think
• 5:06
  about
• 5:06
  this.
• 5:07
  If
• 5:07
  you've
• 5:08
  got
• 5:08
  a
• 5:08
  car
• 5:08
  that's
• 5:09
  a
• 5:09
  problem
• 5:09
  or
• 5:09
  if
• 5:09
  you've
• 5:10
  got
• 5:10
  a
• 5:10
  home
• 5:10
  that's
• 5:10
  a
• 5:11
  problem,
• 5:11
  this
• 5:12
  is
• 5:12
  a
• 5:12
  great
• 5:12
  time
• 5:12
  to
• 5:13
  create
• 5:13
  what
• 5:13
  I
• 5:13
  call
• 5:13
  buffer
• 5:14
  accounts.
• 5:15
  In
• 5:15
  this
• 5:15
  case,
• 5:15
  let's
• 5:15
  talk
• 5:16
  about
• 5:16
  creating
• 5:16
  a
• 5:16
  car
• 5:17
  buffer
• 5:17
  account
• 5:18
  because
• 5:18
  maybe
• 5:18
  you've
• 5:19
  got
• 5:19
  a
• 5:19
  car
• 5:19
  like
• 5:19
  Ralph,
• 5:20
  this
• 5:20
  car
• 5:20
  is
• 5:20
  on
• 5:20
  its
• 5:20
  last
• 5:21
  leg.
• 5:21
  I
• 5:21
  can't
• 5:22
  afford
• 5:22
  to
• 5:22
  go
• 5:22
  buy
• 5:22
  another
• 5:23
  one.
• 5:23
  I
• 5:23
  can't
• 5:24
  afford
• 5:24
  to
• 5:24
  go
• 5:25
  get
• 5:25
  into
• 5:25
  another
• 5:26
  payment.
• 5:26
  But
• 5:26
  we
• 5:27
  can't
• 5:27
  let
• 5:27
  these
• 5:28
  repairs
• 5:28
  hijack
• 5:29
  us
• 5:29
  anymore.
• 5:30
  So
• 5:30
  this
• 5:30
  is
• 5:30
  what
• 5:31
  my
• 5:31
  encouragement
• 5:31
  for
• 5:31
  you
• 5:32
  is.
• 5:32
  Create
• 5:32
  a
• 5:32
  separate
• 5:33
  bucket.
• 5:33
  Now
• 5:33
  you're
• 5:33
  going
• 5:34
  to
• 5:34
  say,
• 5:34
  ralph,
• 5:34
  you're
• 5:34
  setting
• 5:35
  up
• 5:35
  a
• 5:35
  million
• 5:35
  different
• 5:36
  accounts.
• 5:36
  It's
• 5:37
  okay,
• 5:38
  have
• 5:38
  20
• 5:38
  accounts,
• 5:39
  just
• 5:39
  keep
• 5:40
  track
• 5:40
  of
• 5:40
  this
• 5:40
  stuff.
• 5:40
  But
• 5:41
  set
• 5:41
  up
• 5:41
  a
• 5:41
  separate
• 5:41
  bucket,
• 5:42
  call
• 5:42
  it
• 5:42
  car
• 5:42
  repairs.
• 5:43
  And
• 5:43
  maybe
• 5:44
  you
• 5:44
  don't
• 5:44
  have
• 5:44
  a
• 5:44
  separate
• 5:44
  account,
• 5:44
  but
• 5:45
  you
• 5:45
  just
• 5:45
  label
• 5:45
  it.
• 5:45
  You
• 5:46
  got
• 5:46
  a
• 5:46
  little
• 5:46
  spread,
• 5:47
  a
• 5:47
  little
• 5:47
  ledger
• 5:47
  or
• 5:47
  a
• 5:48
  little
• 5:48
  note
• 5:48
  or
• 5:48
  something
• 5:49
  you
• 5:49
  just
• 5:49
  write
• 5:49
  on
• 5:49
  there.
• 5:49
  I've
• 5:50
  got
• 5:50
  $10.
• 5:51
  It
• 5:51
  goes
• 5:51
  every
• 5:51
  week
• 5:52
  for
• 5:52
  my
• 5:52
  car
• 5:52
  repair
• 5:53
  budget.
• 5:53
  Start
• 5:53
  at
• 5:53
  5
• 5:54
  bucks
• 5:54
  or
• 5:54
  25.
• 5:55
  That
• 5:56
  way
• 5:56
  you
• 5:56
  can
• 5:56
  absorb
• 5:57
  that
• 5:57
  repair
• 5:57
  in
• 5:57
  the
• 5:57
  future
• 5:58
  without
• 5:58
  hitting
• 5:59
  your
• 5:59
  main
• 5:59
  emergency
• 6:00
  fund.
• 6:00
  And
• 6:01
  then
• 6:01
  when
• 6:01
  it's
• 6:01
  used,
• 6:02
  refill
• 6:02
  it
• 6:02
  the
• 6:02
  same
• 6:03
  way,
• 6:03
  calmly
• 6:04
  and
• 6:05
  planned
• 6:05
  way.
• 6:06
  Because
• 6:06
  when
• 6:06
  you
• 6:07
  do
• 6:07
  that,
• 6:07
  it's
• 6:07
  not
• 6:08
  a
• 6:08
  surprise
• 6:08
  anymore.
• 6:08
  You're
• 6:09
  like,
• 6:09
  ralph,
• 6:09
  you
• 6:09
  know
• 6:09
  what?
• 6:10
  I've
• 6:10
  got
• 6:10
  this
• 6:10
  car
• 6:11
  repair
• 6:11
  fund.
• 6:12
  This
• 6:12
  car
• 6:12
  is
• 6:13
  a
• 6:13
  jalopy
• 6:13
  it's
• 6:14
  always
• 6:14
  causing
• 6:14
  me
• 6:14
  problems.
• 6:15
  When
• 6:15
  I
• 6:16
  have
• 6:16
  a
• 6:16
  problem
• 6:16
  with
• 6:16
  it,
• 6:17
  I
• 6:17
  go
• 6:17
  to
• 6:17
  the
• 6:18
  fund.
• 6:19
  Here's
• 6:19
  another
• 6:19
  thing
• 6:19
  I'm
• 6:19
  going
• 6:20
  to
• 6:20
  encourage
• 6:20
  you
• 6:20
  to
• 6:20
  do.
• 6:21
  Put
• 6:21
  some
• 6:21
  guardrails
• 6:22
  on
• 6:22
  the
• 6:22
  week
• 6:22
  after
• 6:23
  an
• 6:23
  emergency.
• 6:23
  This
• 6:24
  is
• 6:24
  the
• 6:24
  thing
• 6:24
  a
• 6:24
  lot.
• 6:24
  This
• 6:25
  is
• 6:25
  what
• 6:25
  leads
• 6:25
  to
• 6:25
  so
• 6:26
  much
• 6:26
  anxiety
• 6:26
  and
• 6:27
  fear.
• 6:27
  A
• 6:28
  lot
• 6:28
  of
• 6:28
  people
• 6:28
  have
• 6:28
  that
• 6:29
  emergency
• 6:29
  and
• 6:30
  you
• 6:30
  can
• 6:30
  feel
• 6:30
  it
• 6:30
  yourself.
• 6:31
  You
• 6:31
  tense
• 6:31
  up,
• 6:31
  you
• 6:32
  start
• 6:32
  worrying.
• 6:32
  You're
• 6:33
  like,
• 6:33
  oh
• 6:33
  man,
• 6:33
  I'm
• 6:33
  going
• 6:33
  through
• 6:34
  my
• 6:34
  emergency
• 6:34
  fund.
• 6:35
  I'm
• 6:35
  going
• 6:35
  to
• 6:35
  tell
• 6:35
  you
• 6:36
  right
• 6:36
  now,
• 6:36
  do
• 6:36
  something
• 6:36
  I
• 6:37
  call
• 6:37
  putting
• 6:37
  a
• 6:37
  guardrail
• 6:38
  up.
• 6:38
  So
• 6:39
  maybe
• 6:39
  for
• 6:39
  you,
• 6:39
  you
• 6:39
  do
• 6:39
  this.
• 6:40
  Seven
• 6:40
  day
• 6:41
  pause
• 6:41
  on
• 6:41
  non
• 6:42
  essentials.
• 6:42
  All
• 6:43
  of
• 6:43
  us
• 6:43
  can
• 6:43
  figure
• 6:43
  out
• 6:43
  a
• 6:44
  way
• 6:44
  to
• 6:44
  do
• 6:44
  this.
• 6:44
  Yeah,
• 6:45
  Dave
• 6:45
  Ramsey
• 6:46
  calls
• 6:46
  it
• 6:46
  the
• 6:46
  rice
• 6:46
  and
• 6:47
  beans
• 6:47
  time.
• 6:47
  But
• 6:48
  maybe
• 6:48
  he's
• 6:48
  like,
• 6:48
  I
• 6:48
  have
• 6:49
  an
• 6:49
  emergency
• 6:49
  budget.
• 6:50
  So
• 6:50
  you
• 6:50
  had
• 6:50
  an
• 6:50
  emergency
• 6:51
  situation
• 6:52
  and
• 6:52
  now
• 6:52
  you
• 6:52
  say,
• 6:52
  okay,
• 6:53
  I've
• 6:53
  got
• 6:53
  to
• 6:53
  go
• 6:53
  into
• 6:54
  emergency
• 6:54
  mode
• 6:55
  for
• 6:55
  seven
• 6:55
  days.
• 6:56
  And
• 6:56
  maybe
• 6:56
  for
• 6:56
  you,
• 6:57
  that's,
• 6:57
  we
• 6:57
  cut
• 6:57
  out
• 6:57
  eating
• 6:58
  out.
• 6:58
  We're
• 6:58
  not
• 6:58
  going
• 6:58
  to
• 6:58
  eat
• 6:59
  out.
• 6:59
  We're
• 6:59
  going
• 6:59
  to
• 6:59
  brown
• 6:59
  bag
• 7:00
  our
• 7:00
  lunches.
• 7:01
  We're
• 7:01
  going
• 7:01
  to
• 7:01
  stop
• 7:01
  the
• 7:02
  Amazon
• 7:02
  impulse
• 7:03
  buys,
• 7:04
  maybe
• 7:04
  replace
• 7:05
  one
• 7:05
  free
• 7:06
  comfort
• 7:06
  thing.
• 7:07
  You
• 7:07
  know,
• 7:07
  maybe
• 7:07
  you're
• 7:07
  a
• 7:08
  person
• 7:08
  likes
• 7:08
  to
• 7:08
  get
• 7:08
  a
• 7:08
  coffee
• 7:09
  on
• 7:09
  the
• 7:09
  way
• 7:09
  to
• 7:09
  work.
• 7:09
  Well,
• 7:09
  instead
• 7:10
  of
• 7:10
  that,
• 7:10
  you
• 7:10
  say,
• 7:10
  look,
• 7:11
  for
• 7:11
  seven
• 7:11
  days,
• 7:12
  I'm
• 7:12
  going
• 7:12
  to
• 7:12
  go
• 7:12
  for
• 7:13
  a
• 7:13
  walk
• 7:13
  instead.
• 7:13
  Or
• 7:14
  I'm
• 7:14
  going
• 7:14
  to
• 7:14
  listen
• 7:14
  to
• 7:14
  some
• 7:15
  worship
• 7:15
  music,
• 7:15
  or
• 7:16
  I'm
• 7:16
  going
• 7:16
  to
• 7:16
  reach
• 7:16
  out
• 7:16
  and
• 7:17
  talk
• 7:17
  to
• 7:17
  that
• 7:17
  friend
• 7:17
  I
• 7:18
  haven't
• 7:18
  talked
• 7:18
  to
• 7:19
  for
• 7:19
  a
• 7:19
  while.
• 7:19
  So
• 7:20
  not
• 7:20
  only
• 7:20
  are
• 7:21
  you
• 7:21
  rebuilding
• 7:22
  financially,
• 7:22
  but
• 7:23
  you're
• 7:23
  rebuilding
• 7:24
  your
• 7:24
  spiritual
• 7:25
  and
• 7:25
  your
• 7:25
  psychological
• 7:26
  self.
• 7:26
  Create
• 7:27
  a
• 7:27
  simple
• 7:27
  world
• 7:27
  for
• 7:27
  yourself.
• 7:28
  This
• 7:28
  is
• 7:29
  my
• 7:29
  rebuild
• 7:29
  week.
• 7:30
  Because
• 7:30
  when
• 7:30
  you
• 7:30
  do
• 7:31
  that,
• 7:31
  you're
• 7:31
  going
• 7:31
  to
• 7:31
  say
• 7:31
  to
• 7:32
  your
• 7:32
  mind,
• 7:32
  I
• 7:32
  get
• 7:32
  it.
• 7:33
  This
• 7:33
  is
• 7:33
  what
• 7:34
  happened.
• 7:34
  And
• 7:35
  here's
• 7:35
  what
• 7:35
  I'm
• 7:35
  going
• 7:35
  to
• 7:35
  do
• 7:36
  to
• 7:36
  replace
• 7:37
  that.
• 7:37
  Which
• 7:37
  leads
• 7:38
  me
• 7:38
  to
• 7:38
  this.
• 7:39
  You
• 7:39
  got
• 7:39
  to
• 7:39
  replace
• 7:40
  that
• 7:40
  what
• 7:40
  if
• 7:41
  with
• 7:41
  one
• 7:42
  next
• 7:42
  right
• 7:43
  sentence.
• 7:44
  So
• 7:44
  if
• 7:44
  you're
• 7:44
  somebody
• 7:45
  that
• 7:45
  suffers
• 7:45
  from
• 7:45
  anxiety,
• 7:46
  I'm
• 7:46
  pretty
• 7:46
  fortunate.
• 7:47
  I'm
• 7:47
  not
• 7:47
  a
• 7:47
  person
• 7:48
  that
• 7:48
  has
• 7:48
  a
• 7:48
  lot
• 7:48
  of
• 7:48
  anxiety.
• 7:49
  I
• 7:49
  have
• 7:50
  people
• 7:50
  in
• 7:50
  my
• 7:50
  life
• 7:50
  that
• 7:50
  have
• 7:51
  anxiety.
• 7:51
  My
• 7:51
  youngest
• 7:52
  son
• 7:52
  lives
• 7:52
  in
• 7:52
  this
• 7:53
  constant
• 7:53
  state
• 7:53
  of
• 7:54
  anxiety.
• 7:54
  I
• 7:55
  don't
• 7:55
  experience
• 7:56
  that,
• 7:57
  but
• 7:57
  I
• 7:57
  get
• 7:57
  it.
• 7:58
  So
• 7:58
  when
• 7:58
  your
• 7:58
  anxiety
• 7:59
  spikes,
• 8:00
  have
• 8:01
  that
• 8:01
  plan
• 8:01
  to
• 8:01
  go
• 8:02
  back
• 8:02
  to.
• 8:02
  Maybe
• 8:02
  it's
• 8:03
  something
• 8:03
  as
• 8:03
  simple
• 8:03
  as
• 8:03
  I
• 8:04
  have
• 8:04
  a
• 8:04
  plan
• 8:04
  for
• 8:05
  saving
• 8:05
  that
• 8:05
  next
• 8:06
  $10.
• 8:08
  You
• 8:08
  don't
• 8:08
  understand
• 8:09
  how
• 8:09
  much
• 8:09
  that
• 8:10
  can
• 8:10
  change
• 8:10
  your
• 8:11
  whole
• 8:11
  dynamic
• 8:12
  because
• 8:13
  that
• 8:13
  one
• 8:13
  faithful
• 8:14
  step
• 8:14
  will
• 8:14
  be
• 8:14
  a
• 8:14
  thousand
• 8:15
  fearful
• 8:15
  thoughts
• 8:16
  that
• 8:16
  are
• 8:16
  racing
• 8:16
  through
• 8:17
  your
• 8:17
  mind.
• 8:17
  And
• 8:17
  I
• 8:17
  said
• 8:18
  that
• 8:18
  I
• 8:18
  don't
• 8:18
  experience
• 8:18
  it.
• 8:18
  I
• 8:19
  get
• 8:19
  it
• 8:19
  though.
• 8:19
  I
• 8:19
  Understand
• 8:20
  anxiety.
• 8:21
  But
• 8:21
  we've
• 8:22
  got
• 8:22
  to
• 8:22
  have
• 8:22
  a
• 8:22
  plan.
• 8:23
  We've
• 8:23
  got
• 8:23
  to
• 8:23
  have
• 8:24
  thought
• 8:24
  process.
• 8:24
  Because
• 8:24
  once
• 8:25
  you
• 8:25
  have
• 8:25
  that
• 8:25
  clarity
• 8:26
  in
• 8:26
  your
• 8:26
  mind,
• 8:28
  it
• 8:28
  really
• 8:28
  calms
• 8:29
  you
• 8:29
  down.
• 8:30
  And
• 8:30
  I
• 8:30
  want
• 8:30
  you
• 8:31
  to
• 8:31
  hear
• 8:31
  this,
• 8:31
  and
• 8:31
  I
• 8:31
  want
• 8:31
  you
• 8:32
  to
• 8:32
  hear
• 8:32
  this
• 8:32
  loud
• 8:32
  and
• 8:32
  clear.
• 8:33
  You're
• 8:33
  not
• 8:34
  back
• 8:34
  at
• 8:34
  zero.
• 8:35
  Your
• 8:36
  emergency
• 8:36
  fund
• 8:37
  did
• 8:37
  exactly
• 8:38
  what
• 8:38
  you
• 8:38
  wanted
• 8:38
  it
• 8:38
  to
• 8:39
  do.
• 8:40
  What
• 8:40
  you're
• 8:40
  doing
• 8:41
  is
• 8:41
  you're
• 8:41
  building
• 8:41
  resilience,
• 8:42
  and
• 8:42
  that's
• 8:42
  a
• 8:43
  beautiful
• 8:43
  thing.
• 8:44
  So
• 8:44
  here's
• 8:45
  your
• 8:45
  today's
• 8:45
  winner.
• 8:46
  One
• 8:46
  single
• 8:46
  step
• 8:46
  for
• 8:47
  today.
• 8:47
  Go
• 8:48
  ahead
• 8:48
  and
• 8:48
  create
• 8:48
  that
• 8:48
  automatic
• 8:49
  transfer
• 8:49
  of
• 8:50
  $10
• 8:50
  a
• 8:50
  week
• 8:51
  into
• 8:51
  your
• 8:51
  emergency
• 8:52
  funding.
• 8:52
  You
• 8:52
  probably
• 8:52
  think,
• 8:53
  ralph,
• 8:53
  you're
• 8:53
  a
• 8:53
  doggone
• 8:54
  broken
• 8:54
  record.
• 8:54
  You
• 8:55
  say
• 8:55
  this
• 8:55
  all
• 8:55
  the
• 8:55
  time,
• 8:56
  but
• 8:56
  think
• 8:56
  about
• 8:57
  how
• 8:57
  that
• 8:57
  can
• 8:57
  help
• 8:57
  you,
• 8:58
  because
• 8:58
  now
• 8:59
  you've
• 8:59
  got
• 8:59
  that
• 8:59
  buffer.
• 9:00
  And
• 9:00
  I
• 9:01
  like
• 9:01
  automation
• 9:01
  because
• 9:02
  it
• 9:02
  turns
• 9:02
  that
• 9:02
  fear
• 9:02
  into
• 9:03
  a
• 9:03
  plan
• 9:03
  that
• 9:03
  you
• 9:03
  don't
• 9:04
  have
• 9:04
  to
• 9:04
  renegotiate.
• 9:05
  A
• 9:05
  lot
• 9:05
  of
• 9:06
  people
• 9:06
  say,
• 9:06
  I'm
• 9:06
  just
• 9:06
  going
• 9:06
  to
• 9:07
  do
• 9:07
  it
• 9:07
  when
• 9:07
  I
• 9:07
  get
• 9:07
  my
• 9:07
  paycheck.
• 9:08
  Well,
• 9:08
  guess
• 9:08
  what?
• 9:08
  You
• 9:08
  probably
• 9:08
  won't
• 9:09
  create
• 9:10
  that
• 9:10
  automatic.
• 9:10
  And
• 9:11
  it's
• 9:11
  like
• 9:11
  it
• 9:11
  never
• 9:11
  even
• 9:12
  happened.
• 9:13
  But
• 9:13
  that's
• 9:13
  my,
• 9:14
  that's
• 9:14
  my
• 9:14
  encouragement
• 9:15
  for
• 9:15
  you
• 9:15
  today.
• 9:15
  Well,
• 9:15
  let's
• 9:15
  get
• 9:16
  to
• 9:16
  our
• 9:16
  Bible
• 9:16
  verse.
• 9:17
  I
• 9:17
  always
• 9:17
  want
• 9:17
  to
• 9:17
  ground
• 9:17
  us
• 9:18
  in
• 9:18
  scripture.
• 9:19
  Today's
• 9:19
  Bible
• 9:20
  comes
• 9:20
  to
• 9:20
  us
• 9:20
  from
• 9:20
  First
• 9:21
  Peter,
• 9:21
  chapter
• 9:22
  5,
• 9:22
  verse
• 9:22
  7.
• 9:23
  And
• 9:23
  this
• 9:24
  one
• 9:24
  will
• 9:24
  be
• 9:24
  super
• 9:25
  reassuring
• 9:25
  if
• 9:26
  you're
• 9:26
  in
• 9:26
  that
• 9:26
  feeling
• 9:27
  of
• 9:27
  anxiety
• 9:27
  again,
• 9:28
  1st
• 9:28
  Peter
• 9:29
  5,
• 9:29
  7,
• 9:30
  cast
• 9:31
  all
• 9:31
  of
• 9:31
  your
• 9:31
  anxiety
• 9:32
  on
• 9:32
  him
• 9:33
  because
• 9:34
  he
• 9:34
  cares
• 9:34
  for
• 9:34
  you.
• 9:35
  Now,
• 9:36
  I
• 9:36
  don't
• 9:36
  even
• 9:36
  need
• 9:36
  to
• 9:36
  comment
• 9:37
  on
• 9:37
  that
• 9:37
  one,
• 9:37
  do
• 9:37
  I?
• 9:38
  Cast
• 9:39
  all
• 9:39
  of
• 9:39
  your
• 9:39
  anxiety
• 9:40
  on
• 9:40
  him
• 9:40
  because
• 9:41
  why
• 9:42
  he
• 9:42
  cares
• 9:43
  for
• 9:43
  you.
• 9:44
  Worry
• 9:45
  is
• 9:45
  real.
• 9:45
  I
• 9:45
  am
• 9:45
  not
• 9:46
  going
• 9:46
  to
• 9:46
  be
• 9:46
  sitting
• 9:46
  here
• 9:47
  and
• 9:47
  mitigating
• 9:48
  worry.
• 9:48
  Worry
• 9:48
  is
• 9:49
  something
• 9:49
  you
• 9:49
  experience.
• 9:49
  It's
• 9:50
  something
• 9:50
  I
• 9:50
  experience.
• 9:51
  Some
• 9:51
  of
• 9:51
  us
• 9:51
  experience
• 9:52
  deeper
• 9:52
  than
• 9:53
  others.
• 9:54
  But
• 9:54
  what
• 9:54
  is
• 9:54
  God
• 9:55
  saying
• 9:55
  to
• 9:55
  you?
• 9:56
  God's
• 9:56
  saying
• 9:56
  to
• 9:56
  you,
• 9:57
  hand
• 9:57
  it
• 9:57
  to
• 9:57
  me
• 9:59
  and
• 9:59
  I'll
• 9:59
  do
• 9:59
  this.
• 10:00
  You've
• 10:00
  got
• 10:00
  to
• 10:01
  take
• 10:01
  the
• 10:01
  next
• 10:01
  step.
• 10:01
  I'm
• 10:01
  not
• 10:02
  saying
• 10:02
  hand
• 10:02
  it
• 10:02
  to
• 10:02
  him
• 10:02
  and
• 10:03
  say,
• 10:03
  oh,
• 10:03
  guess
• 10:03
  what?
• 10:03
  I'm
• 10:03
  not
• 10:04
  going
• 10:04
  to
• 10:04
  do
• 10:04
  anything,
• 10:04
  Lord.
• 10:04
  That's
• 10:05
  not
• 10:05
  what
• 10:05
  I'm
• 10:05
  saying
• 10:05
  here.
• 10:06
  But
• 10:07
  hand
• 10:07
  over
• 10:07
  that
• 10:07
  to
• 10:08
  him
• 10:09
  and
• 10:09
  takes
• 10:09
  that
• 10:09
  next
• 10:10
  faithful
• 10:10
  step.
• 10:11
  How
• 10:11
  about
• 10:11
  we
• 10:12
  pray
• 10:12
  together,
• 10:13
  Lord,
• 10:13
  you
• 10:14
  see
• 10:14
  how
• 10:14
  tired
• 10:14
  and
• 10:15
  anxious
• 10:15
  we
• 10:16
  feel
• 10:16
  right
• 10:16
  now.
• 10:17
  And
• 10:17
  you
• 10:18
  see
• 10:18
  the
• 10:18
  disappointment
• 10:19
  of
• 10:19
  finally
• 10:19
  saving.
• 10:20
  We
• 10:20
  were
• 10:20
  so
• 10:21
  encouraged
• 10:21
  by
• 10:21
  doing
• 10:22
  that,
• 10:22
  but
• 10:22
  then
• 10:22
  we
• 10:23
  needed
• 10:23
  to
• 10:23
  spend
• 10:23
  it.
• 10:24
  So
• 10:25
  right
• 10:25
  now
• 10:25
  we're
• 10:26
  carrying
• 10:26
  fear
• 10:26
  about
• 10:27
  what's
• 10:27
  next,
• 10:27
  Lord.
• 10:29
  So
• 10:29
  today,
• 10:29
  right
• 10:30
  now,
• 10:30
  just
• 10:30
  like
• 10:30
  the
• 10:31
  scripture
• 10:31
  says,
• 10:31
  we're
• 10:31
  choosing
• 10:32
  to
• 10:32
  cast
• 10:32
  that
• 10:32
  anxiety
• 10:33
  onto
• 10:34
  you
• 10:35
  because
• 10:35
  we
• 10:35
  know
• 10:35
  you
• 10:36
  care
• 10:36
  for
• 10:36
  us,
• 10:36
  Lord.
• 10:37
  And
• 10:38
  in
• 10:38
  that
• 10:38
  caring,
• 10:38
  we
• 10:38
  ask
• 10:38
  that
• 10:39
  you
• 10:39
  would
• 10:39
  give
• 10:39
  us
• 10:39
  wisdom
• 10:39
  today
• 10:40
  and
• 10:40
  give
• 10:40
  us
• 10:41
  peace
• 10:41
  for
• 10:41
  this
• 10:41
  moment.
• 10:43
  And
• 10:43
  Lord,
• 10:43
  help
• 10:43
  us
• 10:43
  to
• 10:44
  just
• 10:44
  rebuild
• 10:44
  without
• 10:45
  panic
• 10:45
  and
• 10:45
  without
• 10:46
  fear.
• 10:46
  Help
• 10:47
  us
• 10:47
  to
• 10:47
  trust
• 10:47
  you
• 10:48
  even
• 10:48
  with
• 10:48
  the
• 10:48
  small
• 10:49
  steps
• 10:49
  week
• 10:50
  by
• 10:50
  week
• 10:50
  and
• 10:50
  day
• 10:50
  by
• 10:51
  day
• 10:51
  so
• 10:51
  that
• 10:51
  fear
• 10:52
  doesn't
• 10:52
  lead
• 10:53
  our
• 10:53
  decisions.
• 10:54
  Lord,
• 10:55
  provide
• 10:55
  what
• 10:56
  we
• 10:56
  need.
• 10:56
  Strengthen
• 10:57
  our
• 10:57
  hearts,
• 10:57
  Lord,
• 10:58
  and
• 10:58
  guard
• 10:59
  our
• 10:59
  mind
• 10:59
  when
• 10:59
  those
• 10:59
  what
• 11:00
  if
• 11:00
  thoughts
• 11:00
  try
• 11:01
  to
• 11:01
  take
• 11:01
  over.
• 11:02
  And
• 11:02
  we
• 11:03
  ask
• 11:03
  this
• 11:03
  in
• 11:03
  Jesus
• 11:04
  name.
• 11:05
  Amen.
• 11:07
  Friend.
• 11:08
  I
• 11:08
  want
• 11:08
  you
• 11:08
  to
• 11:08
  hear
• 11:08
  this.
• 11:10
  You
• 11:10
  can
• 11:10
  rebuild
• 11:11
  calmly
• 11:12
  because
• 11:13
  you're
• 11:13
  not
• 11:13
  alone
• 11:14
  and
• 11:14
  you're
• 11:14
  not
• 11:15
  failing.
• 11:16
  And
• 11:16
  I
• 11:17
  want
• 11:17
  to
• 11:17
  encourage
• 11:17
  you
• 11:17
  right
• 11:17
  now,
• 11:18
  if
• 11:19
  this
• 11:19
  show
• 11:19
  is
• 11:19
  helping
• 11:19
  you,
• 11:20
  if
• 11:20
  you're
• 11:20
  getting
• 11:20
  value
• 11:21
  from
• 11:21
  it,
• 11:21
  just
• 11:22
  share
• 11:22
  the
• 11:22
  show
• 11:22
  with
• 11:22
  somebody.
• 11:23
  Just
• 11:23
  send
• 11:23
  them
• 11:23
  a
• 11:23
  quick
• 11:24
  text
• 11:24
  and
• 11:24
  point
• 11:24
  them
• 11:25
  to
• 11:25
  our
• 11:25
  website.
• 11:25
  And
• 11:26
  if
• 11:26
  you've
• 11:26
  got
• 11:26
  a
• 11:26
  question
• 11:27
  for
• 11:27
  the
• 11:27
  show,
• 11:27
  I
• 11:27
  would
• 11:27
  love
• 11:28
  to
• 11:28
  hear
• 11:28
  from
• 11:28
  you.
• 11:28
  That's
• 11:28
  what
• 11:28
  really
• 11:29
  drives
• 11:29
  the
• 11:29
  show.
• 11:30
  Go
• 11:30
  to
• 11:30
  financiallyconfidentchristian.com/question
• 11:34
  we'll
• 11:34
  put
• 11:34
  this
• 11:34
  in
• 11:35
  the
• 11:35
  show
• 11:35
  notes,
• 11:35
  but
• 11:36
  go
• 11:36
  to
• 11:36
  financiallyconfidentchristian.com/question
• 11:39
  i
• 11:40
  want
• 11:40
  to
• 11:40
  hear
• 11:40
  your
• 11:40
  questions.
• 11:41
  I
• 11:41
  want
• 11:41
  to
• 11:41
  help
• 11:42
  you
• 11:42
  break
• 11:42
  that
• 11:43
  cycle
• 11:43
  of
• 11:43
  financial
• 11:44
  shame
• 11:44
  and
• 11:44
  really
• 11:45
  find
• 11:45
  confidence.
• 11:45
  Because
• 11:46
  guess
• 11:46
  what?
• 11:47
  You
• 11:47
  can
• 11:47
  do
• 11:47
  this.
• 11:48
  So
• 11:49
  thank
• 11:49
  you
• 11:49
  so
• 11:49
  much
• 11:49
  for
• 11:49
  joining
• 11:50
  me
• 11:50
  today
• 11:50
  as
• 11:50
  I
• 11:50
  always
• 11:51
  end
• 11:51
  this
• 11:51
  show,
• 11:51
  stay
• 11:52
  financially
• 11:52
  savvy.
• 11:53
  God
• 11:53
  bless
• 11:54
  you
• 11:54
  and
• 11:54
  you
• 11:55
  have
• 11:55
  a
• 11:55
  great
• 11:55
  day
• 11:55
  today.