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Why Your Money Keeps Disappearing — And the Simple Way to Take Control · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  looked
• 0:38
  at
• 0:38
  your
• 0:38
  bank
• 0:38
  account
• 0:39
  and
• 0:39
  thought
• 0:40
  to
• 0:40
  yourself,
• 0:40
  where
• 0:41
  did
• 0:41
  it
• 0:41
  all
• 0:41
  go?
• 0:42
  I'll
• 0:42
  tell
• 0:42
  you
• 0:42
  what,
• 0:42
  I've
• 0:43
  certainly
• 0:43
  found
• 0:43
  out
• 0:43
  many
• 0:44
  times.
• 0:44
  No
• 0:45
  big
• 0:45
  purchases,
• 0:46
  no
• 0:46
  major
• 0:47
  decisions.
• 0:48
  Just
• 0:48
  gone.
• 0:50
  And
• 0:50
  now
• 0:50
  you're
• 0:50
  left
• 0:50
  feeling
• 0:51
  a
• 0:51
  little
• 0:51
  confused,
• 0:52
  maybe
• 0:53
  even
• 0:53
  a
• 0:53
  little
• 0:53
  unsettled.
• 0:54
  And
• 0:55
  we
• 0:55
  got
• 0:55
  a
• 0:55
  great
• 0:55
  listener
• 0:56
  call
• 0:56
  today
• 0:56
  speaking
• 0:57
  to
• 0:57
  this
• 0:57
  very
• 0:58
  issue.
• 0:59
  So
• 0:59
  if
• 0:59
  your
• 0:59
  money
• 0:59
  feels
• 1:00
  like
• 1:00
  it's
• 1:00
  slipping
• 1:00
  through
• 1:01
  your
• 1:01
  fingers,
• 1:02
  today
• 1:02
  we're
• 1:02
  going
• 1:02
  to
• 1:02
  bring
• 1:03
  clarity
• 1:03
  without
• 1:04
  adding
• 1:04
  stre.
• 1:24
  Hey,
• 1:24
  friend.
• 1:24
  Ralph
• 1:25
  Estep
• 1:25
  Jr.
• 1:25
  Here.
• 1:26
  Welcome
• 1:26
  to
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:28
  If
• 1:28
  this
• 1:28
  is
• 1:29
  the
• 1:29
  first
• 1:29
  time
• 1:29
  you've
• 1:29
  joined
• 1:30
  us,
• 1:30
  thank
• 1:30
  you
• 1:30
  so
• 1:30
  much
• 1:31
  for
• 1:31
  taking
• 1:31
  a
• 1:31
  little
• 1:31
  time
• 1:31
  and
• 1:32
  joining
• 1:32
  me.
• 1:33
  This
• 1:33
  show
• 1:33
  is
• 1:33
  all
• 1:34
  about
• 1:34
  breaking
• 1:34
  that
• 1:35
  cycle
• 1:35
  of
• 1:35
  financial
• 1:36
  shame
• 1:36
  and.
• 1:37
  And
• 1:37
  helping
• 1:37
  you
• 1:37
  find
• 1:38
  confidence.
• 1:39
  And
• 1:39
  I
• 1:39
  know
• 1:39
  personally
• 1:40
  there
• 1:40
  are
• 1:41
  so
• 1:41
  many
• 1:41
  people
• 1:42
  out
• 1:42
  there
• 1:42
  right
• 1:42
  now
• 1:43
  who
• 1:43
  feel
• 1:43
  like
• 1:44
  they're
• 1:44
  out
• 1:44
  of
• 1:44
  sync
• 1:44
  with
• 1:45
  their
• 1:45
  money.
• 1:45
  And
• 1:46
  today's
• 1:46
  topic
• 1:46
  is
• 1:47
  all
• 1:47
  about
• 1:47
  that.
• 1:48
  We're
• 1:48
  going
• 1:48
  to
• 1:48
  talk
• 1:49
  about
• 1:49
  why
• 1:49
  your
• 1:49
  money
• 1:50
  keeps
• 1:50
  disappearing,
• 1:51
  but
• 1:51
  even
• 1:51
  bigger
• 1:52
  than
• 1:52
  that,
• 1:52
  how
• 1:53
  to
• 1:53
  take
• 1:53
  control
• 1:53
  of
• 1:53
  that
• 1:54
  without
• 1:55
  obsessing.
• 1:55
  Well,
• 1:56
  let's
• 1:56
  get
• 1:56
  right
• 1:56
  to
• 1:56
  today's
• 1:57
  listener
• 1:57
  question.
• 1:58
  Like
• 1:58
  I
• 1:58
  said,
• 1:58
  this
• 1:58
  is
• 1:59
  a
• 1:59
  voicemail
• 1:59
  we
• 1:59
  got
• 2:00
  the
• 2:00
  other
• 2:00
  day.
• 2:01
  Hey,
• 2:01
  Ralph,
• 2:01
  I've
• 2:02
  been
• 2:02
  listening
• 2:02
  to
• 2:03
  Financially
• 2:03
  Confident
• 2:04
  Christian
• 2:04
  for
• 2:05
  a
• 2:05
  while
• 2:05
  now,
• 2:06
  and
• 2:06
  I'm
• 2:06
  dealing
• 2:07
  with
• 2:07
  something
• 2:07
  that
• 2:08
  I
• 2:08
  think
• 2:08
  you
• 2:08
  should
• 2:09
  hear
• 2:09
  about.
• 2:10
  I
• 2:11
  look
• 2:11
  at
• 2:11
  my
• 2:11
  bank
• 2:11
  account,
• 2:12
  and
• 2:12
  I
• 2:13
  don't
• 2:13
  even
• 2:13
  know
• 2:13
  where
• 2:13
  it
• 2:14
  went.
• 2:15
  Like
• 2:15
  I
• 2:15
  was
• 2:16
  just
• 2:16
  living
• 2:16
  my
• 2:16
  life,
• 2:17
  and
• 2:17
  now
• 2:18
  the
• 2:18
  number's
• 2:18
  lower,
• 2:19
  and
• 2:20
  I
• 2:20
  can't
• 2:21
  point
• 2:21
  to
• 2:21
  why
• 2:23
  that
• 2:23
  bothers
• 2:24
  me.
• 2:24
  Not
• 2:25
  the
• 2:25
  money,
• 2:25
  really.
• 2:26
  More
• 2:27
  the
• 2:27
  feeling
• 2:27
  that
• 2:27
  I'm
• 2:28
  not
• 2:28
  even
• 2:28
  paying
• 2:29
  attention
• 2:29
  to
• 2:29
  my
• 2:29
  own
• 2:30
  life.
• 2:31
  I
• 2:31
  don't
• 2:32
  want
• 2:32
  to
• 2:32
  track
• 2:33
  every
• 2:33
  coffee.
• 2:33
  I'm
• 2:34
  not
• 2:34
  trying
• 2:34
  to
• 2:35
  obsess.
• 2:36
  But
• 2:36
  I
• 2:36
  also
• 2:37
  don't
• 2:37
  want
• 2:37
  to
• 2:38
  keep
• 2:38
  waking
• 2:38
  up
• 2:38
  surprised.
• 2:40
  Is
• 2:40
  there
• 2:41
  a
• 2:41
  way
• 2:41
  to
• 2:41
  stay
• 2:42
  aware
• 2:42
  without
• 2:43
  it
• 2:43
  turning
• 2:43
  into
• 2:43
  this
• 2:44
  whole
• 2:44
  thing,
• 2:45
  Something
• 2:46
  I
• 2:46
  can
• 2:46
  actually
• 2:47
  stick
• 2:47
  with
• 2:47
  without
• 2:48
  dreading
• 2:48
  it
• 2:49
  every
• 2:49
  time?
• 2:50
  Would
• 2:50
  love
• 2:51
  to
• 2:51
  hear
• 2:51
  your
• 2:51
  thoughts
• 2:52
  on
• 2:52
  this.
• 2:52
  Thanks
• 2:53
  for
• 2:53
  all
• 2:53
  you
• 2:53
  do.
• 2:55
  Well,
• 2:55
  I
• 2:55
  just
• 2:55
  want
• 2:56
  to
• 2:56
  thank
• 2:56
  you
• 2:56
  so
• 2:56
  much
• 2:56
  for
• 2:57
  the
• 2:57
  call,
• 2:57
  actually.
• 2:58
  And
• 2:58
  I
• 2:58
  felt
• 2:59
  this
• 2:59
  way
• 2:59
  myself
• 3:00
  so
• 3:00
  many
• 3:00
  times.
• 3:02
  But
• 3:02
  the
• 3:02
  real
• 3:02
  issue
• 3:03
  here
• 3:03
  is
• 3:03
  not
• 3:03
  about
• 3:04
  money.
• 3:05
  It's
• 3:05
  about
• 3:05
  this
• 3:06
  feeling
• 3:06
  of
• 3:07
  disconnect
• 3:07
  with
• 3:07
  your
• 3:07
  money.
• 3:08
  That's
• 3:08
  what
• 3:08
  you're
• 3:08
  saying.
• 3:09
  You're
• 3:09
  saying,
• 3:09
  look,
• 3:09
  I
• 3:09
  don't
• 3:10
  want
• 3:10
  to
• 3:10
  track
• 3:10
  every
• 3:10
  single
• 3:11
  coffee.
• 3:11
  I
• 3:11
  want
• 3:12
  to
• 3:12
  build
• 3:12
  some
• 3:13
  elaborate
• 3:13
  system.
• 3:15
  But
• 3:15
  the
• 3:15
  fact
• 3:15
  that
• 3:15
  you
• 3:16
  are
• 3:16
  doing
• 3:16
  this
• 3:17
  means
• 3:17
  that
• 3:17
  you're
• 3:18
  not
• 3:18
  careless
• 3:18
  about
• 3:18
  your
• 3:19
  money.
• 3:19
  It's
• 3:20
  not
• 3:20
  a
• 3:20
  lack
• 3:20
  of
• 3:20
  discipline.
• 3:21
  In
• 3:21
  my
• 3:21
  personal
• 3:22
  opinion.
• 3:22
  The
• 3:22
  issue
• 3:23
  here
• 3:23
  is
• 3:24
  really
• 3:24
  a
• 3:24
  lack
• 3:24
  of
• 3:25
  visibility,
• 3:26
  a
• 3:26
  lack
• 3:26
  of
• 3:27
  clarity,
• 3:28
  and
• 3:28
  that
• 3:28
  Feeling
• 3:29
  of
• 3:29
  being
• 3:29
  out
• 3:29
  of
• 3:29
  sync
• 3:29
  with
• 3:29
  your
• 3:30
  money
• 3:30
  is
• 3:30
  frustrating.
• 3:31
  I
• 3:31
  totally
• 3:31
  get
• 3:31
  it.
• 3:32
  You're
• 3:32
  earning
• 3:32
  money,
• 3:33
  you're
• 3:33
  working
• 3:33
  hard,
• 3:34
  you're
• 3:34
  trying
• 3:35
  to
• 3:35
  be
• 3:35
  responsible,
• 3:36
  but
• 3:36
  somehow
• 3:37
  you're
• 3:37
  not
• 3:37
  fully
• 3:37
  seeing
• 3:38
  what's
• 3:38
  happening.
• 3:39
  And
• 3:39
  again,
• 3:39
  that
• 3:39
  doesn't
• 3:40
  mean
• 3:40
  you're
• 3:40
  careless.
• 3:41
  It
• 3:41
  just
• 3:41
  means
• 3:41
  you
• 3:42
  need
• 3:42
  a
• 3:42
  simple
• 3:42
  visibility
• 3:43
  rhythm.
• 3:44
  So
• 3:45
  let's
• 3:45
  start
• 3:45
  by
• 3:45
  talking
• 3:46
  about
• 3:46
  how
• 3:46
  money
• 3:47
  really
• 3:47
  disappears.
• 3:48
  As
• 3:48
  I
• 3:48
  alluded
• 3:49
  to
• 3:49
  at
• 3:49
  the
• 3:49
  beginning,
• 3:50
  money
• 3:50
  usually
• 3:50
  doesn't
• 3:51
  disappear
• 3:51
  in
• 3:51
  these
• 3:52
  big
• 3:52
  dramatic
• 3:52
  moments.
• 3:53
  Now
• 3:53
  sure,
• 3:53
  that
• 3:53
  happens
• 3:54
  sometimes
• 3:55
  you
• 3:55
  go
• 3:55
  buy
• 3:55
  something
• 3:56
  big,
• 3:56
  you
• 3:56
  go
• 3:56
  buy
• 3:57
  something,
• 3:57
  it
• 3:57
  hits
• 3:57
  your
• 3:58
  bank
• 3:58
  account.
• 3:58
  What
• 3:59
  normally
• 3:59
  happens
• 4:00
  for
• 4:00
  most
• 4:00
  of
• 4:00
  us
• 4:01
  humans
• 4:01
  out
• 4:01
  here
• 4:01
  living
• 4:02
  in
• 4:02
  normal
• 4:02
  lives
• 4:03
  is
• 4:03
  it
• 4:03
  happens
• 4:04
  through
• 4:04
  those
• 4:04
  small
• 4:05
  repeated
• 4:05
  decisions.
• 4:07
  Things
• 4:07
  like
• 4:07
  subscriptions.
• 4:08
  How
• 4:08
  many
• 4:09
  subscriptions
• 4:09
  do
• 4:09
  we
• 4:09
  have
• 4:09
  that
• 4:09
  we
• 4:10
  don't
• 4:10
  even
• 4:10
  use?
• 4:11
  That
• 4:11
  convenience?
• 4:12
  Spending
• 4:13
  unplanned
• 4:13
  meals,
• 4:14
  you
• 4:14
  know
• 4:14
  you're
• 4:14
  out
• 4:15
  bouting
• 4:15
  around
• 4:15
  town,
• 4:16
  let
• 4:16
  me
• 4:16
  just
• 4:16
  grab
• 4:16
  something
• 4:17
  quick
• 4:17
  to
• 4:17
  eat.
• 4:17
  You
• 4:17
  don't
• 4:18
  realize
• 4:18
  how
• 4:18
  much
• 4:18
  you
• 4:18
  spend
• 4:19
  on
• 4:19
  that
• 4:19
  a
• 4:19
  couple
• 4:19
  times
• 4:19
  a
• 4:20
  week.
• 4:20
  Those
• 4:21
  small
• 4:21
  add
• 4:21
  ons
• 4:22
  and
• 4:22
  those
• 4:22
  automatic
• 4:23
  drafts,
• 4:23
  they
• 4:24
  all
• 4:24
  blend
• 4:24
  together
• 4:25
  and
• 4:25
  they
• 4:25
  make
• 4:26
  things
• 4:26
  complicated.
• 4:27
  Now
• 4:27
  it
• 4:28
  would
• 4:28
  be
• 4:28
  easy
• 4:28
  to
• 4:28
  say,
• 4:29
  well,
• 4:29
  shame
• 4:29
  on
• 4:29
  you
• 4:29
  for
• 4:30
  spending
• 4:30
  that.
• 4:31
  But
• 4:31
  this
• 4:31
  show
• 4:31
  is
• 4:32
  not
• 4:32
  about
• 4:32
  shame.
• 4:33
  This
• 4:33
  show
• 4:33
  is
• 4:34
  about
• 4:34
  awareness.
• 4:35
  And
• 4:36
  like
• 4:36
  I
• 4:36
  said
• 4:36
  earlier,
• 4:36
  most
• 4:37
  of
• 4:37
  the
• 4:37
  time
• 4:37
  the
• 4:38
  problem
• 4:38
  isn't
• 4:39
  discipline,
• 4:39
  it's
• 4:40
  awareness.
• 4:41
  So
• 4:41
  let's
• 4:42
  get
• 4:42
  right
• 4:42
  to
• 4:42
  today's
• 4:43
  central
• 4:43
  question.
• 4:44
  How
• 4:44
  do
• 4:44
  you
• 4:44
  stay
• 4:45
  aware
• 4:45
  of
• 4:45
  your
• 4:45
  money
• 4:46
  without
• 4:46
  becoming
• 4:46
  overwhelmed
• 4:47
  by
• 4:47
  it?
• 4:48
  Now
• 4:48
  I
• 4:48
  want
• 4:48
  to
• 4:48
  introduce
• 4:49
  something
• 4:49
  that
• 4:49
  I've
• 4:49
  been
• 4:50
  working
• 4:50
  on
• 4:50
  for
• 4:50
  a
• 4:50
  while.
• 4:51
  It's
• 4:51
  what
• 4:51
  I
• 4:51
  call
• 4:52
  the
• 4:52
  faithful
• 4:53
  framework.
• 4:54
  And
• 4:54
  we're
• 4:54
  going
• 4:54
  to
• 4:54
  spell
• 4:54
  out
• 4:54
  the
• 4:55
  word
• 4:55
  faithful
• 4:55
  because
• 4:56
  that's
• 4:56
  the
• 4:56
  whole
• 4:56
  point
• 4:57
  of
• 4:57
  this.
• 4:57
  Each
• 4:58
  of
• 4:58
  those
• 4:58
  letters
• 4:59
  is
• 4:59
  going
• 4:59
  to
• 4:59
  go
• 5:00
  to
• 5:00
  a
• 5:00
  particular
• 5:00
  area
• 5:01
  that
• 5:01
  I'm
• 5:01
  going
• 5:01
  to
• 5:01
  talk
• 5:01
  about.
• 5:02
  So
• 5:02
  we're
• 5:02
  going
• 5:02
  to
• 5:02
  jump
• 5:02
  right
• 5:02
  into
• 5:03
  us.
• 5:03
  So
• 5:03
  let's
• 5:03
  start
• 5:04
  off
• 5:04
  with
• 5:04
  F
• 5:05
  beginning
• 5:06
  face
• 5:06
  reality.
• 5:07
  You
• 5:08
  got
• 5:08
  to
• 5:08
  start
• 5:08
  seeing
• 5:08
  what's
• 5:09
  actually
• 5:09
  happening.
• 5:11
  Don't
• 5:11
  start
• 5:11
  with
• 5:11
  a
• 5:11
  pinch
• 5:12
  of
• 5:12
  shame.
• 5:12
  Don't
• 5:12
  say,
• 5:12
  well,
• 5:13
  I
• 5:13
  don't
• 5:13
  understand
• 5:13
  it,
• 5:13
  Ralph.
• 5:14
  I'm
• 5:14
  never
• 5:14
  good
• 5:14
  with
• 5:14
  money.
• 5:15
  I
• 5:15
  can't
• 5:15
  figure
• 5:16
  out
• 5:16
  where
• 5:16
  my
• 5:16
  money's
• 5:16
  going
• 5:17
  to.
• 5:17
  Don't
• 5:17
  start
• 5:18
  there.
• 5:18
  Start
• 5:19
  with
• 5:19
  analyzing
• 5:20
  the
• 5:20
  situation
• 5:20
  and
• 5:21
  seeing
• 5:21
  what's
• 5:21
  really
• 5:21
  happening.
• 5:22
  And
• 5:22
  don't
• 5:23
  try
• 5:23
  to
• 5:23
  fix
• 5:23
  everything.
• 5:24
  Just
• 5:24
  start
• 5:24
  by
• 5:25
  looking
• 5:25
  and
• 5:25
  saying
• 5:26
  what
• 5:26
  you're
• 5:26
  going
• 5:26
  to,
• 5:27
  what
• 5:27
  is
• 5:27
  going
• 5:27
  on.
• 5:27
  Because
• 5:28
  until
• 5:28
  you
• 5:28
  see
• 5:28
  where
• 5:29
  your
• 5:29
  money's
• 5:29
  going,
• 5:30
  it's
• 5:30
  always
• 5:31
  going
• 5:31
  to
• 5:31
  feel
• 5:31
  like
• 5:31
  it's
• 5:32
  disappearing.
• 5:32
  So
• 5:32
  you
• 5:32
  got
• 5:32
  to
• 5:32
  start
• 5:33
  by
• 5:33
  getting
• 5:34
  to
• 5:34
  a
• 5:34
  point
• 5:34
  where
• 5:34
  you're
• 5:35
  seeing
• 5:35
  it
• 5:35
  clearly.
• 5:36
  But
• 5:36
  let's
• 5:36
  move
• 5:36
  on
• 5:37
  to
• 5:37
  A
• 5:38
  and
• 5:38
  A
• 5:38
  is
• 5:38
  aim.
• 5:39
  Clearly
• 5:39
  this
• 5:39
  is
• 5:40
  your
• 5:40
  vision.
• 5:40
  You've
• 5:41
  got
• 5:41
  to
• 5:41
  decide
• 5:42
  where
• 5:42
  you
• 5:42
  actually
• 5:42
  want
• 5:43
  your
• 5:43
  money
• 5:43
  system
• 5:43
  to
• 5:43
  go.
• 5:44
  The
• 5:44
  goal
• 5:45
  here
• 5:45
  is
• 5:45
  not
• 5:45
  perfection.
• 5:45
  When
• 5:46
  you
• 5:46
  made
• 5:46
  your
• 5:46
  call,
• 5:46
  when
• 5:47
  you
• 5:47
  put
• 5:47
  your
• 5:47
  voicemail
• 5:47
  to
• 5:48
  us,
• 5:48
  you
• 5:48
  were
• 5:48
  very
• 5:49
  clear
• 5:49
  about
• 5:49
  that.
• 5:50
  You
• 5:50
  don't
• 5:50
  want
• 5:50
  to
• 5:51
  sit
• 5:51
  there
• 5:51
  and
• 5:51
  control
• 5:51
  every
• 5:52
  penny,
• 5:52
  but
• 5:52
  you
• 5:53
  feel
• 5:53
  like
• 5:53
  it's
• 5:53
  getting
• 5:54
  out
• 5:54
  of
• 5:54
  control.
• 5:55
  So
• 5:55
  what
• 5:55
  I
• 5:55
  would
• 5:56
  suggest
• 5:56
  is
• 5:57
  maybe
• 5:57
  you
• 5:57
  have
• 5:57
  a
• 5:57
  goal
• 5:58
  of
• 5:58
  peace,
• 5:59
  maybe
• 5:59
  you
• 5:59
  have
• 5:59
  a
• 5:59
  goal
• 6:00
  of
• 6:00
  clarity,
• 6:01
  confidence
• 6:01
  in
• 6:01
  your
• 6:02
  decisions.
• 6:02
  Or
• 6:02
  maybe
• 6:03
  for
• 6:03
  you,
• 6:03
  you
• 6:04
  keep
• 6:04
  on
• 6:04
  getting
• 6:04
  hit
• 6:04
  with
• 6:04
  those
• 6:05
  overdrafts.
• 6:05
  So
• 6:06
  for
• 6:06
  you,
• 6:06
  it's
• 6:06
  the
• 6:07
  goal
• 6:07
  of
• 6:07
  fewer
• 6:07
  surprises.
• 6:09
  And
• 6:09
  that
• 6:09
  system
• 6:09
  should
• 6:10
  support
• 6:10
  your
• 6:10
  life,
• 6:10
  not
• 6:10
  stress
• 6:11
  you
• 6:11
  out,
• 6:11
  which
• 6:11
  is
• 6:11
  what
• 6:11
  I
• 6:11
  heard
• 6:12
  you
• 6:12
  say.
• 6:12
  I
• 6:12
  don't
• 6:12
  want
• 6:12
  to
• 6:12
  track
• 6:13
  every
• 6:13
  single
• 6:13
  coffee.
• 6:14
  So
• 6:14
  you
• 6:14
  gotta
• 6:15
  build
• 6:15
  a
• 6:15
  system
• 6:15
  that
• 6:15
  supports
• 6:16
  your
• 6:16
  life
• 6:16
  and
• 6:17
  not
• 6:17
  stresses
• 6:18
  you
• 6:18
  out.
• 6:18
  Your
• 6:19
  financial
• 6:19
  rhythm
• 6:20
  should
• 6:20
  help
• 6:20
  you
• 6:20
  feel
• 6:20
  connected,
• 6:21
  not
• 6:21
  condemned.
• 6:22
  But
• 6:23
  let's
• 6:23
  move
• 6:23
  on
• 6:23
  to
• 6:23
  I.
• 6:24
  One
• 6:24
  of
• 6:24
  the
• 6:24
  things
• 6:24
  I
• 6:25
  think
• 6:25
  is
• 6:25
  so
• 6:25
  important
• 6:26
  is
• 6:26
  you
• 6:26
  got
• 6:27
  to
• 6:27
  identify
• 6:28
  the
• 6:28
  timing
• 6:28
  of
• 6:28
  this.
• 6:29
  Build
• 6:29
  that
• 6:29
  rhythm.
• 6:30
  You've
• 6:31
  got
• 6:31
  to
• 6:31
  build
• 6:31
  a
• 6:32
  rhythm
• 6:32
  that
• 6:32
  you're
• 6:32
  going
• 6:32
  to
• 6:32
  maintain.
• 6:34
  Don't
• 6:34
  try
• 6:34
  to
• 6:34
  fix
• 6:35
  everything
• 6:35
  today.
• 6:36
  If
• 6:36
  you
• 6:36
  say,
• 6:36
  well,
• 6:36
  Ralph,
• 6:37
  I
• 6:37
  looked
• 6:37
  at
• 6:37
  my
• 6:37
  money
• 6:37
  and
• 6:38
  it's
• 6:38
  going
• 6:38
  here
• 6:38
  and
• 6:39
  here
• 6:39
  and
• 6:39
  here.
• 6:40
  And
• 6:40
  you're
• 6:40
  never
• 6:40
  going
• 6:41
  to
• 6:41
  fix
• 6:41
  all
• 6:41
  those
• 6:41
  things,
• 6:42
  but
• 6:42
  you
• 6:42
  can
• 6:43
  be
• 6:43
  consistent
• 6:43
  and
• 6:44
  look
• 6:44
  at
• 6:44
  individual
• 6:45
  pieces,
• 6:45
  that
• 6:46
  consistency
• 6:46
  is
• 6:47
  going
• 6:47
  to
• 6:47
  matter
• 6:47
  more
• 6:48
  over
• 6:48
  time
• 6:48
  than
• 6:49
  intensity.
• 6:50
  Here's
• 6:50
  a
• 6:50
  great
• 6:50
  idea.
• 6:51
  Maybe
• 6:51
  a
• 6:51
  small
• 6:51
  daily
• 6:52
  check
• 6:52
  in
• 6:52
  is
• 6:53
  going
• 6:53
  to
• 6:53
  be
• 6:53
  better
• 6:53
  for
• 6:54
  you
• 6:54
  than
• 6:54
  some
• 6:54
  complicated
• 6:55
  system
• 6:55
  that
• 6:55
  you're
• 6:56
  going
• 6:56
  to
• 6:56
  abandon.
• 6:56
  Like
• 6:57
  you
• 6:57
  said,
• 6:57
  you
• 6:58
  don't
• 6:58
  want
• 6:58
  to
• 6:58
  track
• 6:58
  every
• 6:59
  coffee.
• 6:59
  I
• 6:59
  appreciate
• 7:00
  that.
• 7:00
  I
• 7:01
  would,
• 7:01
  I
• 7:01
  would
• 7:01
  argue
• 7:01
  and
• 7:02
  say
• 7:02
  you
• 7:02
  probably
• 7:02
  should.
• 7:03
  But
• 7:04
  don't
• 7:04
  build
• 7:04
  a
• 7:04
  system
• 7:05
  you
• 7:05
  already
• 7:05
  know
• 7:06
  you're
• 7:06
  not
• 7:06
  going
• 7:06
  to
• 7:06
  use.
• 7:07
  Let's
• 7:07
  move
• 7:07
  on
• 7:07
  to
• 7:08
  T.
• 7:08
  And
• 7:08
  this
• 7:08
  is
• 7:08
  what
• 7:09
  I
• 7:09
  call
• 7:09
  the
• 7:09
  think
• 7:09
  of
• 7:10
  options
• 7:10
  area.
• 7:11
  This
• 7:11
  is
• 7:11
  the
• 7:11
  idea
• 7:12
  of
• 7:12
  brainstorming.
• 7:13
  Here's
• 7:13
  some
• 7:14
  ideas
• 7:14
  that
• 7:14
  I
• 7:14
  have
• 7:14
  based
• 7:15
  on
• 7:15
  your
• 7:15
  very
• 7:15
  question.
• 7:16
  One
• 7:16
  of
• 7:16
  the
• 7:16
  things
• 7:17
  you
• 7:17
  could
• 7:17
  consider
• 7:17
  doing
• 7:17
  is
• 7:17
  check
• 7:18
  your
• 7:18
  bank
• 7:18
  account
• 7:18
  once
• 7:19
  a
• 7:19
  day.
• 7:19
  Just
• 7:20
  look
• 7:20
  at
• 7:20
  what
• 7:20
  came
• 7:20
  in,
• 7:21
  what
• 7:21
  went
• 7:21
  out,
• 7:22
  review
• 7:22
  your
• 7:22
  transactions
• 7:23
  every
• 7:23
  night,
• 7:24
  maybe
• 7:24
  write
• 7:25
  down
• 7:25
  all
• 7:25
  your
• 7:25
  expenses
• 7:25
  for
• 7:26
  one
• 7:26
  day.
• 7:26
  Just
• 7:26
  strap
• 7:27
  them
• 7:27
  all
• 7:27
  down
• 7:27
  on
• 7:27
  a
• 7:27
  piece
• 7:28
  of
• 7:28
  note,
• 7:28
  you
• 7:28
  know,
• 7:28
  or
• 7:29
  maybe
• 7:29
  use
• 7:29
  a
• 7:29
  simple
• 7:29
  app.
• 7:30
  There
• 7:30
  are
• 7:30
  some
• 7:30
  great
• 7:30
  apps
• 7:31
  out
• 7:31
  there
• 7:31
  that
• 7:31
  will
• 7:31
  help
• 7:32
  you
• 7:32
  do
• 7:32
  this.
• 7:32
  A
• 7:33
  small
• 7:33
  note
• 7:33
  on
• 7:33
  your
• 7:34
  phone.
• 7:34
  The
• 7:35
  key
• 7:35
  is
• 7:35
  don't
• 7:35
  over
• 7:36
  complicate
• 7:36
  it.
• 7:37
  You
• 7:38
  gotta
• 7:38
  pick
• 7:38
  one
• 7:38
  method.
• 7:39
  So
• 7:39
  many
• 7:40
  people
• 7:40
  think
• 7:40
  they're
• 7:40
  gonna
• 7:41
  pick
• 7:41
  15
• 7:41
  methods
• 7:42
  from
• 7:42
  this.
• 7:43
  Not,
• 7:43
  not,
• 7:44
  not
• 7:44
  just
• 7:44
  pick
• 7:45
  one.
• 7:45
  You
• 7:46
  don't
• 7:46
  need
• 7:46
  perfect
• 7:46
  categories,
• 7:47
  you
• 7:48
  just
• 7:48
  need
• 7:48
  One
• 7:48
  method
• 7:49
  that
• 7:49
  you're
• 7:49
  actually
• 7:49
  gonna
• 7:50
  use.
• 7:51
  Now
• 7:51
  another
• 7:51
  thing
• 7:51
  you've
• 7:51
  got
• 7:52
  to
• 7:52
  do
• 7:52
  is
• 7:52
  you've
• 7:52
  gotta
• 7:53
  move
• 7:53
  to
• 7:53
  H
• 7:53
  and
• 7:53
  that's
• 7:54
  have
• 7:54
  a
• 7:54
  plan.
• 7:55
  You
• 7:56
  gotta
• 7:56
  turn
• 7:56
  that
• 7:56
  awareness
• 7:57
  that
• 7:57
  we
• 7:57
  talked
• 7:57
  about.
• 7:57
  We
• 7:57
  talked
• 7:58
  all
• 7:58
  about
• 7:58
  awareness
• 7:58
  so
• 7:59
  far,
• 7:59
  but
• 8:00
  now
• 8:00
  you've
• 8:00
  gotta
• 8:00
  actually
• 8:01
  pivot
• 8:01
  into
• 8:01
  a
• 8:02
  plan.
• 8:03
  Now
• 8:03
  here's
• 8:03
  the
• 8:03
  thing
• 8:03
  I'd
• 8:03
  recommend
• 8:04
  for
• 8:04
  you
• 8:04
  maybe
• 8:05
  spend
• 8:05
  two
• 8:05
  minutes
• 8:06
  a
• 8:06
  day
• 8:06
  looking
• 8:06
  at
• 8:06
  your
• 8:07
  money
• 8:07
  and
• 8:08
  just
• 8:08
  ask
• 8:08
  three
• 8:08
  simple
• 8:09
  questions.
• 8:10
  What
• 8:10
  came
• 8:10
  in,
• 8:11
  what
• 8:11
  went
• 8:12
  out,
• 8:12
  and
• 8:13
  what's
• 8:13
  left.
• 8:14
  Because
• 8:15
  those
• 8:15
  two
• 8:15
  minutes
• 8:15
  of
• 8:16
  awareness
• 8:16
  can
• 8:16
  prevent
• 8:17
  weeks
• 8:17
  of
• 8:17
  confusion
• 8:18
  down
• 8:18
  the
• 8:18
  road.
• 8:19
  But
• 8:19
  let's
• 8:19
  move
• 8:20
  into
• 8:20
  the
• 8:20
  second
• 8:20
  F.
• 8:21
  And
• 8:21
  that's
• 8:22
  faith
• 8:22
  and
• 8:22
  surrender.
• 8:23
  That's
• 8:23
  where
• 8:23
  I
• 8:23
  really
• 8:24
  want
• 8:24
  to
• 8:24
  lean
• 8:24
  into
• 8:24
  our
• 8:25
  faith
• 8:25
  and
• 8:25
  grace.
• 8:26
  You've
• 8:27
  got
• 8:27
  to
• 8:27
  connect
• 8:27
  that
• 8:27
  money
• 8:28
  habit
• 8:28
  to
• 8:28
  peace
• 8:29
  and
• 8:29
  not
• 8:29
  fear.
• 8:31
  The
• 8:31
  truth
• 8:31
  is,
• 8:31
  so
• 8:31
  many
• 8:32
  people
• 8:32
  avoid
• 8:32
  money
• 8:33
  because
• 8:33
  they
• 8:34
  look
• 8:34
  at
• 8:34
  it
• 8:34
  feeling
• 8:34
  like
• 8:35
  judgment.
• 8:36
  A
• 8:36
  lot
• 8:36
  of
• 8:36
  people
• 8:37
  don't
• 8:37
  budget
• 8:37
  because
• 8:37
  like,
• 8:38
  oh,
• 8:38
  that's
• 8:38
  just.
• 8:38
  You're
• 8:39
  telling
• 8:39
  me
• 8:39
  restrictions.
• 8:40
  You're
• 8:40
  telling
• 8:40
  me
• 8:40
  I
• 8:41
  can't
• 8:41
  do
• 8:41
  things.
• 8:42
  But
• 8:43
  God
• 8:43
  never
• 8:43
  calls
• 8:43
  us
• 8:44
  to
• 8:44
  manage
• 8:44
  money
• 8:44
  through
• 8:45
  fear.
• 8:46
  We've
• 8:46
  really
• 8:46
  got
• 8:47
  to
• 8:47
  approach
• 8:47
  our
• 8:47
  finances
• 8:48
  with
• 8:48
  clarity
• 8:49
  and
• 8:49
  peace.
• 8:50
  You
• 8:50
  build
• 8:50
  that
• 8:51
  rhythm.
• 8:52
  Maybe
• 8:52
  you
• 8:52
  say
• 8:52
  something
• 8:53
  like
• 8:53
  this,
• 8:53
  lord,
• 8:53
  I
• 8:54
  just
• 8:54
  want
• 8:54
  you
• 8:54
  to
• 8:54
  help
• 8:54
  me
• 8:54
  approach
• 8:55
  my
• 8:55
  finances
• 8:56
  with
• 8:56
  clarity,
• 8:57
  not
• 8:57
  fear.
• 8:59
  Being
• 8:59
  aware
• 9:00
  is
• 9:00
  not
• 9:00
  punishment,
• 9:01
  it's
• 9:02
  actually
• 9:02
  stewardship
• 9:04
  which
• 9:04
  leads
• 9:04
  me
• 9:04
  to
• 9:05
  you.
• 9:05
  And
• 9:05
  that
• 9:06
  you've
• 9:06
  got
• 9:06
  to
• 9:06
  understand
• 9:07
  the
• 9:07
  progress.
• 9:09
  Progress
• 9:09
  for
• 9:09
  you.
• 9:10
  Looks
• 9:10
  like,
• 9:10
  hey,
• 9:10
  maybe
• 9:11
  I'm
• 9:11
  checking
• 9:11
  my
• 9:11
  account
• 9:12
  every
• 9:12
  day.
• 9:12
  I'm
• 9:13
  noticing
• 9:13
  these
• 9:14
  patterns.
• 9:14
  I'm
• 9:15
  eating
• 9:15
  out
• 9:15
  too
• 9:15
  much.
• 9:16
  I'm
• 9:16
  spending
• 9:16
  too
• 9:17
  much
• 9:17
  money
• 9:17
  on
• 9:17
  subscriptions.
• 9:19
  Maybe
• 9:19
  you
• 9:19
  pause
• 9:20
  before
• 9:20
  you
• 9:20
  do
• 9:20
  any
• 9:21
  spending.
• 9:21
  I've
• 9:21
  talked
• 9:21
  about
• 9:21
  that
• 9:22
  on
• 9:22
  the
• 9:22
  show
• 9:22
  many
• 9:22
  times.
• 9:23
  Maybe
• 9:23
  you
• 9:24
  saw
• 9:24
  something
• 9:24
  you
• 9:24
  usually
• 9:25
  miss
• 9:26
  or
• 9:26
  you
• 9:26
  stayed
• 9:27
  aware
• 9:27
  of
• 9:27
  what's
• 9:27
  going
• 9:27
  on
• 9:28
  for
• 9:28
  just
• 9:28
  one
• 9:28
  more
• 9:28
  day.
• 9:30
  It's
• 9:30
  not
• 9:30
  about
• 9:30
  perfection.
• 9:31
  Progress
• 9:32
  is
• 9:32
  not
• 9:32
  perfection.
• 9:33
  Progress
• 9:34
  is
• 9:34
  staying
• 9:34
  connected.
• 9:35
  And
• 9:35
  then
• 9:36
  we
• 9:36
  end
• 9:36
  it
• 9:36
  with
• 9:36
  L.
• 9:37
  And
• 9:37
  that's
• 9:38
  a
• 9:38
  look
• 9:38
  ahead.
• 9:39
  You
• 9:39
  got
• 9:39
  to
• 9:40
  look
• 9:40
  and
• 9:40
  see
• 9:40
  what
• 9:40
  this
• 9:40
  rhythm
• 9:41
  is
• 9:41
  going
• 9:41
  to
• 9:41
  create
• 9:41
  over
• 9:41
  time.
• 9:42
  Once
• 9:43
  you
• 9:43
  start
• 9:43
  to
• 9:43
  build
• 9:44
  this
• 9:44
  rhythm,
• 9:44
  this
• 9:44
  daily
• 9:45
  check
• 9:45
  in
• 9:45
  or
• 9:45
  this
• 9:46
  weekly
• 9:46
  check
• 9:46
  in,
• 9:46
  this
• 9:47
  awareness,
• 9:48
  it's
• 9:48
  going
• 9:48
  to
• 9:48
  reveal
• 9:49
  patterns.
• 9:50
  And
• 9:50
  once
• 9:50
  you
• 9:50
  see
• 9:50
  those
• 9:51
  patterns,
• 9:51
  you're
• 9:52
  going
• 9:52
  to
• 9:52
  be
• 9:52
  able
• 9:52
  to
• 9:52
  make
• 9:52
  better
• 9:52
  choices.
• 9:53
  And
• 9:54
  once
• 9:54
  you
• 9:54
  make
• 9:54
  better
• 9:55
  choices,
• 9:55
  that's
• 9:56
  going
• 9:56
  to
• 9:56
  lead
• 9:56
  to
• 9:56
  more
• 9:56
  confidence.
• 9:57
  And
• 9:57
  when
• 9:58
  you
• 9:58
  feel
• 9:58
  confident,
• 9:59
  it's
• 9:59
  going
• 9:59
  to
• 9:59
  lower
• 10:00
  your
• 10:00
  stress
• 10:00
  level.
• 10:01
  And
• 10:02
  that's
• 10:02
  how
• 10:02
  control
• 10:03
  grows
• 10:03
  without
• 10:03
  obsession.
• 10:05
  That
• 10:05
  awareness
• 10:05
  that
• 10:06
  we
• 10:06
  talked
• 10:06
  about
• 10:06
  today,
• 10:06
  and
• 10:07
  that's
• 10:07
  really
• 10:07
  the
• 10:07
  big
• 10:07
  idea
• 10:07
  for
• 10:08
  today,
• 10:08
  is
• 10:08
  awareness.
• 10:09
  That
• 10:10
  awareness
• 10:10
  leads
• 10:11
  to
• 10:11
  adjustment
• 10:12
  and
• 10:12
  adjustment
• 10:13
  leads
• 10:13
  to
• 10:13
  Peace.
• 10:15
  That
• 10:15
  clarity
• 10:15
  creates
• 10:16
  calm.
• 10:17
  And
• 10:17
  that
• 10:17
  simple
• 10:18
  awareness
• 10:19
  changes
• 10:19
  everything.
• 10:20
  So
• 10:21
  here's
• 10:21
  your
• 10:21
  win
• 10:21
  for
• 10:22
  today.
• 10:22
  That's
• 10:22
  what
• 10:22
  I
• 10:22
  really
• 10:23
  want
• 10:23
  to
• 10:23
  encourage
• 10:23
  you
• 10:23
  to
• 10:23
  do.
• 10:24
  Open
• 10:24
  your
• 10:25
  bank
• 10:25
  account
• 10:25
  and
• 10:26
  review
• 10:26
  your
• 10:26
  last
• 10:26
  five
• 10:27
  transactions.
• 10:28
  That's
• 10:28
  all.
• 10:28
  We
• 10:29
  don't
• 10:29
  need
• 10:29
  to
• 10:29
  reinvent
• 10:30
  the
• 10:30
  wheel
• 10:30
  today.
• 10:30
  We
• 10:30
  don't
• 10:30
  need
• 10:31
  to
• 10:31
  go
• 10:31
  and
• 10:31
  fix
• 10:31
  everything.
• 10:32
  Don't
• 10:33
  try
• 10:33
  to
• 10:33
  go
• 10:33
  categorize
• 10:34
  the
• 10:34
  whole
• 10:34
  month.
• 10:34
  Don't
• 10:35
  build
• 10:35
  some
• 10:35
  elaborate
• 10:36
  spreadsheet.
• 10:37
  And
• 10:37
  most
• 10:37
  of
• 10:38
  all,
• 10:38
  don't
• 10:38
  judge
• 10:38
  yourself.
• 10:39
  Just
• 10:40
  look.
• 10:41
  That
• 10:41
  awareness
• 10:42
  begins
• 10:42
  with
• 10:42
  just
• 10:43
  one
• 10:43
  look.
• 10:44
  Now
• 10:44
  let's
• 10:44
  get
• 10:44
  into
• 10:44
  our
• 10:45
  Bible
• 10:45
  verse
• 10:45
  for
• 10:45
  today.
• 10:46
  If
• 10:46
  you're
• 10:46
  new
• 10:46
  to
• 10:46
  the
• 10:47
  show,
• 10:47
  I
• 10:47
  always
• 10:47
  like
• 10:48
  to
• 10:49
  put
• 10:49
  us
• 10:49
  back
• 10:49
  into
• 10:50
  scripture
• 10:50
  to
• 10:51
  give
• 10:51
  us
• 10:51
  some
• 10:52
  foundation.
• 10:53
  And
• 10:53
  Today's
• 10:53
  comes
• 10:54
  from
• 10:54
  First
• 10:54
  Corinthians,
• 10:55
  chapter
• 10:55
  14,
• 10:56
  verse
• 10:56
  33.
• 10:58
  For
• 10:58
  God
• 10:58
  is
• 10:59
  not
• 10:59
  the
• 10:59
  author
• 10:59
  of
• 11:00
  confusion,
• 11:01
  but
• 11:01
  of
• 11:01
  peace,
• 11:02
  as
• 11:02
  in
• 11:03
  all
• 11:03
  churches
• 11:03
  of
• 11:04
  the
• 11:04
  saints.
• 11:05
  And
• 11:05
  if
• 11:05
  you
• 11:05
  think
• 11:06
  about
• 11:06
  why
• 11:06
  this
• 11:06
  fits
• 11:07
  today,
• 11:07
  when
• 11:08
  your
• 11:08
  finances
• 11:09
  move
• 11:09
  from
• 11:09
  that
• 11:09
  state
• 11:10
  of
• 11:10
  confusion
• 11:10
  to
• 11:11
  clarity,
• 11:12
  they
• 11:12
  begin
• 11:13
  to
• 11:13
  reflect
• 11:13
  the
• 11:13
  peace
• 11:14
  that
• 11:14
  God
• 11:14
  desires
• 11:15
  for
• 11:15
  your
• 11:15
  life.
• 11:16
  And
• 11:16
  listen,
• 11:17
  friend,
• 11:17
  God
• 11:18
  wants
• 11:18
  you
• 11:18
  to
• 11:18
  have
• 11:18
  peace
• 11:19
  in
• 11:19
  your
• 11:19
  finances,
• 11:20
  in
• 11:20
  your
• 11:20
  life.
• 11:21
  How
• 11:21
  about
• 11:21
  we
• 11:21
  pray
• 11:21
  together?
• 11:22
  Heavenly
• 11:23
  Father,
• 11:24
  I
• 11:24
  lift
• 11:24
  up
• 11:25
  the
• 11:25
  person
• 11:25
  listening
• 11:26
  right
• 11:26
  now
• 11:26
  who
• 11:26
  feels
• 11:27
  confused
• 11:28
  and
• 11:28
  they
• 11:28
  feel
• 11:28
  disconnected
• 11:29
  from
• 11:29
  their
• 11:30
  finances.
• 11:31
  And
• 11:31
  Lord,
• 11:31
  you
• 11:31
  see
• 11:32
  their
• 11:32
  desire
• 11:32
  for
• 11:33
  clarity.
• 11:34
  You
• 11:34
  see
• 11:34
  their
• 11:34
  desire
• 11:35
  for
• 11:35
  peace.
• 11:36
  So
• 11:36
  I
• 11:36
  just
• 11:37
  ask
• 11:37
  right
• 11:37
  now
• 11:37
  that
• 11:38
  you
• 11:38
  would
• 11:38
  bring
• 11:38
  understanding
• 11:39
  where
• 11:39
  there
• 11:39
  has
• 11:39
  been
• 11:40
  confusion,
• 11:40
  Lord.
• 11:41
  Bring
• 11:42
  calm
• 11:42
  where
• 11:42
  there
• 11:42
  has
• 11:43
  been
• 11:43
  anxiety.
• 11:44
  Help
• 11:45
  them
• 11:45
  take
• 11:45
  just
• 11:45
  a
• 11:45
  few
• 11:46
  simple
• 11:46
  steps
• 11:47
  to
• 11:47
  build
• 11:47
  that
• 11:47
  awareness
• 11:48
  and
• 11:48
  move
• 11:49
  forward
• 11:49
  with
• 11:49
  confidence.
• 11:51
  Remind
• 11:51
  them,
• 11:51
  Lord,
• 11:51
  they're
• 11:52
  not
• 11:52
  behind,
• 11:53
  but
• 11:53
  they're
• 11:53
  actually
• 11:54
  learning.
• 11:55
  And
• 11:55
  guide
• 11:55
  them
• 11:55
  into
• 11:56
  a
• 11:56
  place
• 11:56
  of
• 11:56
  peace
• 11:57
  and
• 11:57
  control.
• 11:58
  And
• 11:59
  we
• 11:59
  ask
• 11:59
  this
• 11:59
  in
• 12:00
  Jesus
• 12:00
  name.
• 12:01
  Amen,
• 12:03
  friend,
• 12:03
  that
• 12:03
  clarity
• 12:04
  can
• 12:04
  bring
• 12:04
  you
• 12:04
  peace
• 12:05
  in
• 12:05
  your
• 12:05
  life.
• 12:06
  And
• 12:06
  it
• 12:06
  starts
• 12:07
  with
• 12:07
  one
• 12:07
  simple
• 12:08
  look.
• 12:09
  So
• 12:09
  today
• 12:09
  I
• 12:09
  want
• 12:09
  to
• 12:09
  encourage
• 12:10
  you
• 12:10
  again,
• 12:10
  open
• 12:11
  your
• 12:11
  bank
• 12:11
  account
• 12:11
  and
• 12:12
  just
• 12:12
  review
• 12:12
  your
• 12:12
  last
• 12:13
  five
• 12:13
  transactions.
• 12:14
  I'm
• 12:15
  telling
• 12:15
  you
• 12:15
  that
• 12:15
  one
• 12:15
  small
• 12:16
  step
• 12:16
  can
• 12:17
  help
• 12:17
  you
• 12:17
  stop
• 12:17
  feeling
• 12:18
  surprised
• 12:18
  and
• 12:19
  really
• 12:19
  start
• 12:19
  feeling
• 12:20
  connected
• 12:20
  to
• 12:20
  your
• 12:21
  money
• 12:21
  again.
• 12:22
  And
• 12:22
  if
• 12:22
  you've
• 12:22
  got
• 12:23
  a
• 12:23
  question
• 12:23
  you
• 12:23
  want
• 12:23
  me
• 12:23
  to
• 12:23
  walk
• 12:24
  through
• 12:24
  on
• 12:24
  the
• 12:24
  show,
• 12:25
  head
• 12:25
  over
• 12:25
  to
• 12:25
  financiallyconfidentchristian.com/question
• 12:29
  We'll
• 12:30
  put
• 12:30
  a
• 12:30
  link
• 12:30
  in
• 12:30
  the
• 12:30
  show
• 12:30
  notes,
• 12:31
  but
• 12:31
  again,
• 12:31
  that's
• 12:31
  financially
• 12:33
  confident
• 12:33
  Christian.
• 12:36
  I
• 12:36
  just
• 12:36
  want
• 12:37
  to
• 12:37
  thank
• 12:37
  you
• 12:37
  so
• 12:37
  much
• 12:38
  for
• 12:38
  joining
• 12:38
  me
• 12:38
  today.
• 12:39
  Stay
• 12:39
  financially
• 12:40
  savvy.
• 12:41
  May
• 12:41
  God
• 12:41
  bless
• 12:42
  you
• 12:42
  and
• 12:42
  you
• 12:43
  have
• 12:43
  a
• 12:43
  truly
• 12:43
  great
• 12:44
  day
• 12:44
  today.