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How Do I Prepare for Job Loss Without Living in Constant Fear? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:38
  of
• 0:38
  a
• 0:38
  layoff
• 0:38
  stealing
• 0:39
  your
• 0:39
  what
• 0:39
  is
• 0:39
  of
• 0:40
  today?
• 0:41
  It's
• 0:41
  hard
• 0:41
  to
• 0:42
  feel
• 0:42
  financially
• 0:42
  confident
• 0:43
  when
• 0:43
  you
• 0:43
  feel
• 0:43
  like
• 0:43
  you're
• 0:44
  standing
• 0:44
  on
• 0:44
  a
• 0:44
  trapdoor.
• 0:46
  But
• 0:46
  there's
• 0:46
  a
• 0:46
  massive
• 0:47
  difference
• 0:47
  between
• 0:48
  prepared
• 0:49
  and
• 0:49
  being
• 0:50
  panicked.
• 0:51
  And
• 0:51
  today
• 0:52
  we're
• 0:52
  going
• 0:52
  to
• 0:52
  build
• 0:52
  a
• 0:52
  fortress
• 0:53
  of
• 0:53
  practical
• 0:54
  wisdom
• 0:54
  and
• 0:54
  spiritual
• 0:55
  peace
• 0:55
  so
• 0:55
  that
• 0:56
  even
• 0:56
  if
• 0:56
  the
• 0:56
  ground
• 0:57
  shakes,
• 0:58
  you
• 0:59
  remain
• 0:59
  unshaken.
• 1:21
  Hello
• 1:22
  friend,
• 1:22
  Ralph
• 1:23
  Estep
• 1:23
  Jr.
• 1:24
  Here.
• 1:24
  Welcome
• 1:25
  to
• 1:25
  Financially
• 1:26
  Confident
• 1:26
  Christian.
• 1:27
  If
• 1:27
  you're
• 1:27
  new
• 1:28
  to
• 1:28
  the
• 1:28
  show,
• 1:28
  our
• 1:28
  goal
• 1:29
  every
• 1:29
  single
• 1:29
  day
• 1:30
  is
• 1:30
  to
• 1:30
  break
• 1:30
  that
• 1:30
  cycle
• 1:31
  of
• 1:31
  financial
• 1:32
  shame
• 1:32
  with
• 1:33
  confidence.
• 1:34
  And
• 1:35
  today
• 1:35
  we're
• 1:35
  going
• 1:35
  to
• 1:35
  talk
• 1:35
  about
• 1:36
  what
• 1:36
  happens
• 1:36
  when
• 1:36
  the
• 1:37
  ground
• 1:37
  shakes.
• 1:38
  And
• 1:38
  we're
• 1:39
  going
• 1:39
  to
• 1:39
  talk
• 1:39
  about
• 1:40
  balancing
• 1:40
  proactively
• 1:41
  preparing
• 1:42
  for
• 1:42
  job
• 1:42
  loss
• 1:43
  with
• 1:44
  a
• 1:44
  spirit
• 1:44
  of
• 1:45
  faith
• 1:45
  filled
• 1:45
  peace.
• 1:47
  Let's
• 1:47
  get
• 1:47
  right
• 1:47
  to
• 1:47
  today's
• 1:48
  listener
• 1:48
  question.
• 1:49
  Listener
• 1:50
  writes
• 1:50
  this
• 1:50
  Ralph
• 1:51
  the
• 1:52
  fear
• 1:52
  of
• 1:52
  losing
• 1:52
  my
• 1:53
  job
• 1:53
  follows
• 1:53
  me
• 1:54
  everywhere.
• 1:55
  I
• 1:55
  lie
• 1:55
  awake
• 1:56
  playing
• 1:56
  all
• 1:56
  the
• 1:57
  worst
• 1:57
  case
• 1:57
  scenarios
• 1:58
  and
• 1:59
  I'm
• 1:59
  exhausted
• 1:59
  from
• 2:00
  the
• 2:00
  constant
• 2:00
  worry.
• 2:01
  I
• 2:02
  want
• 2:02
  to
• 2:02
  be
• 2:02
  responsible
• 2:03
  and
• 2:03
  have
• 2:03
  a
• 2:03
  plan,
• 2:03
  but
• 2:04
  also
• 2:04
  want
• 2:04
  to
• 2:05
  trust
• 2:05
  and
• 2:05
  have
• 2:05
  peace.
• 2:07
  How
• 2:07
  do
• 2:07
  I
• 2:07
  prepare
• 2:08
  wisely
• 2:08
  without
• 2:08
  letting
• 2:09
  fear
• 2:09
  dictate
• 2:10
  everything?
• 2:11
  I
• 2:11
  need
• 2:12
  something
• 2:12
  grounded
• 2:12
  in
• 2:13
  both
• 2:13
  practical
• 2:13
  wisdom
• 2:14
  and
• 2:14
  faith,
• 2:15
  not
• 2:16
  just
• 2:16
  panic.
• 2:18
  And
• 2:18
  I'll
• 2:19
  tell
• 2:19
  you
• 2:19
  what,
• 2:19
  when
• 2:19
  I
• 2:19
  read
• 2:19
  that
• 2:20
  question,
• 2:21
  I
• 2:21
  love
• 2:21
  the
• 2:21
  way
• 2:21
  the
• 2:22
  listener
• 2:22
  ended
• 2:22
  that
• 2:24
  faith,
• 2:25
  not
• 2:26
  just
• 2:26
  panic.
• 2:28
  And
• 2:28
  I
• 2:28
  think
• 2:28
  that's
• 2:28
  what
• 2:28
  we
• 2:29
  really
• 2:29
  need
• 2:29
  to
• 2:29
  lean
• 2:29
  into
• 2:30
  today.
• 2:31
  Because
• 2:31
  wisdom,
• 2:32
  even
• 2:32
  Christian
• 2:33
  wisdom,
• 2:33
  builds
• 2:34
  the
• 2:34
  plan,
• 2:35
  but
• 2:36
  faith
• 2:36
  sustains
• 2:37
  the
• 2:37
  person.
• 2:37
  And
• 2:37
  that's
• 2:38
  what
• 2:38
  we
• 2:38
  need
• 2:38
  to
• 2:38
  figure
• 2:38
  out
• 2:38
  today.
• 2:39
  How
• 2:39
  do
• 2:39
  we
• 2:40
  sustain
• 2:40
  you
• 2:41
  during
• 2:41
  these
• 2:41
  difficult
• 2:42
  times?
• 2:42
  Because
• 2:42
  listen,
• 2:44
  so
• 2:44
  many
• 2:44
  of
• 2:44
  us
• 2:44
  are
• 2:44
  going
• 2:45
  to
• 2:45
  face
• 2:45
  this.
• 2:47
  Let's
• 2:47
  start
• 2:47
  by
• 2:47
  doing
• 2:48
  this.
• 2:49
  Write
• 2:49
  down
• 2:49
  the
• 2:50
  worst
• 2:50
  case
• 2:51
  plan
• 2:51
  scenario.
• 2:52
  I
• 2:52
  took
• 2:53
  the
• 2:53
  Dale
• 2:53
  Carnegie
• 2:54
  courses
• 2:54
  here
• 2:54
  in
• 2:54
  the
• 2:54
  United
• 2:54
  States.
• 2:55
  There's
• 2:55
  this
• 2:55
  guy,
• 2:55
  he
• 2:56
  was
• 2:56
  a
• 2:56
  philanthropist,
• 2:57
  he
• 2:57
  was
• 2:57
  a
• 2:57
  captain
• 2:58
  of
• 2:58
  industry.
• 2:58
  His
• 2:58
  name
• 2:58
  was
• 2:59
  Dale
• 2:59
  Carnegie
• 3:00
  and
• 3:00
  I
• 3:00
  took
• 3:00
  several
• 3:01
  of
• 3:01
  his
• 3:01
  classes.
• 3:01
  You
• 3:02
  probably
• 3:02
  heard
• 3:02
  the
• 3:02
  book
• 3:03
  how
• 3:03
  to
• 3:03
  Win
• 3:03
  Friends
• 3:03
  and
• 3:04
  Influence
• 3:04
  People.
• 3:04
  By
• 3:05
  the
• 3:05
  way,
• 3:05
  it's
• 3:05
  a
• 3:05
  great
• 3:05
  book.
• 3:06
  I
• 3:06
  highly
• 3:07
  recommend
• 3:07
  that.
• 3:08
  It
• 3:08
  will
• 3:08
  change
• 3:09
  your
• 3:09
  dynamic
• 3:09
  of
• 3:10
  your
• 3:10
  life.
• 3:11
  But
• 3:11
  one
• 3:11
  of
• 3:11
  the
• 3:11
  other
• 3:11
  things
• 3:12
  we
• 3:12
  talked
• 3:12
  about,
• 3:12
  there
• 3:12
  was
• 3:13
  another
• 3:13
  class
• 3:13
  that
• 3:14
  I
• 3:14
  took
• 3:14
  called
• 3:14
  Leadership
• 3:14
  Training
• 3:15
  for
• 3:15
  Managers
• 3:16
  where
• 3:16
  we
• 3:16
  learned
• 3:17
  how
• 3:17
  to
• 3:17
  work
• 3:17
  with
• 3:17
  people
• 3:18
  one
• 3:18
  on
• 3:18
  one.
• 3:19
  And
• 3:19
  one
• 3:19
  of
• 3:19
  the
• 3:20
  things
• 3:20
  that
• 3:20
  we
• 3:20
  taught
• 3:20
  or
• 3:21
  was
• 3:21
  taught
• 3:21
  in
• 3:21
  that
• 3:21
  course
• 3:22
  is
• 3:22
  to
• 3:23
  write
• 3:23
  down
• 3:23
  and
• 3:23
  plan
• 3:24
  the
• 3:24
  worst
• 3:24
  case
• 3:25
  scenario.
• 3:26
  Just
• 3:26
  be
• 3:26
  honest
• 3:27
  with
• 3:27
  yourself.
• 3:27
  Look,
• 3:27
  this
• 3:27
  is
• 3:28
  what
• 3:28
  could
• 3:28
  happen,
• 3:29
  but
• 3:30
  then
• 3:30
  work
• 3:30
  like
• 3:30
  the
• 3:30
  dickens
• 3:31
  for
• 3:31
  it
• 3:31
  to
• 3:31
  not
• 3:31
  happen.
• 3:33
  Because
• 3:33
  here's
• 3:34
  the
• 3:34
  problem.
• 3:34
  Fear
• 3:35
  grows
• 3:35
  in
• 3:35
  the
• 3:36
  dark.
• 3:37
  Those
• 3:37
  things
• 3:37
  I
• 3:38
  remember
• 3:38
  as
• 3:38
  a
• 3:38
  kid,
• 3:38
  like
• 3:39
  the
• 3:39
  monster
• 3:39
  that
• 3:39
  lived
• 3:40
  in
• 3:40
  the
• 3:40
  closet
• 3:40
  or
• 3:40
  the
• 3:41
  monster
• 3:41
  that
• 3:41
  lived
• 3:41
  under
• 3:41
  the
• 3:42
  bed
• 3:43
  if
• 3:43
  you
• 3:43
  didn't
• 3:43
  see
• 3:43
  it,
• 3:44
  oh,
• 3:44
  it
• 3:44
  was
• 3:44
  scary,
• 3:44
  right?
• 3:45
  But
• 3:46
  when
• 3:46
  you
• 3:46
  bring
• 3:46
  it
• 3:46
  into
• 3:46
  the
• 3:47
  light,
• 3:47
  when
• 3:47
  you
• 3:47
  write
• 3:48
  down
• 3:48
  exactly
• 3:49
  what
• 3:49
  you
• 3:49
  would
• 3:49
  do
• 3:50
  if
• 3:50
  you
• 3:50
  lost
• 3:50
  your
• 3:51
  job
• 3:51
  tomorrow.
• 3:51
  And
• 3:52
  listen,
• 3:52
  I
• 3:52
  hope
• 3:52
  you
• 3:52
  never
• 3:53
  have
• 3:53
  to
• 3:53
  experience
• 3:54
  that.
• 3:55
  I
• 3:55
  hope
• 3:55
  you
• 3:55
  never
• 3:55
  have
• 3:56
  the
• 3:56
  pain.
• 3:56
  I've
• 3:57
  worked
• 3:57
  with
• 3:57
  so
• 3:57
  many
• 3:57
  clients
• 3:58
  over
• 3:58
  my
• 3:58
  30
• 3:58
  year
• 3:59
  career
• 3:59
  who
• 3:59
  have
• 3:59
  been
• 3:59
  through
• 4:00
  that.
• 4:02
  But
• 4:02
  answer
• 4:02
  the
• 4:02
  question.
• 4:03
  Who
• 4:03
  would
• 4:04
  you
• 4:04
  call
• 4:04
  when
• 4:04
  that
• 4:04
  happens?
• 4:06
  Who
• 4:07
  are
• 4:07
  the
• 4:07
  people
• 4:07
  you're
• 4:07
  going
• 4:07
  to
• 4:07
  surround
• 4:08
  yourself
• 4:08
  with?
• 4:09
  What
• 4:10
  would
• 4:10
  you
• 4:10
  cut,
• 4:12
  what
• 4:12
  would
• 4:12
  you
• 4:12
  do
• 4:12
  right
• 4:13
  away
• 4:13
  and
• 4:14
  see
• 4:14
  if
• 4:14
  you
• 4:14
  have
• 4:14
  a
• 4:15
  written
• 4:15
  plan
• 4:15
  on
• 4:15
  paper,
• 4:16
  it
• 4:16
  stops
• 4:17
  from
• 4:17
  spinning
• 4:18
  in
• 4:18
  your
• 4:18
  head.
• 4:20
  It's
• 4:20
  so
• 4:20
  easy
• 4:21
  for
• 4:21
  us
• 4:21
  to
• 4:21
  live
• 4:21
  in
• 4:21
  that
• 4:22
  dread
• 4:22
  cycle
• 4:22
  of
• 4:23
  what
• 4:23
  are
• 4:23
  we
• 4:23
  going
• 4:23
  to
• 4:23
  do?
• 4:23
  What
• 4:24
  are
• 4:24
  we
• 4:24
  going
• 4:24
  to
• 4:24
  do
• 4:25
  but
• 4:26
  start
• 4:26
  by
• 4:26
  putting
• 4:26
  it
• 4:26
  out
• 4:26
  on
• 4:27
  paper?
• 4:27
  Yeah,
• 4:27
  I'm
• 4:27
  going
• 4:27
  to
• 4:28
  lose
• 4:28
  my
• 4:28
  job
• 4:28
  and
• 4:29
  here's
• 4:29
  what
• 4:29
  I'm
• 4:29
  going
• 4:29
  to
• 4:29
  do.
• 4:30
  Second
• 4:30
  thing
• 4:30
  I'm
• 4:31
  going
• 4:31
  to
• 4:31
  encourage
• 4:31
  you
• 4:31
  to
• 4:31
  do
• 4:32
  is
• 4:32
  build
• 4:32
  a
• 4:33
  feeder
• 4:33
  savings
• 4:34
  account.
• 4:36
  Something
• 4:36
  as
• 4:36
  simple
• 4:36
  as
• 4:37
  $10
• 4:37
  a
• 4:38
  week,
• 4:39
  automate
• 4:39
  it
• 4:39
  and
• 4:40
  transfer
• 4:40
  it
• 4:40
  to
• 4:40
  a
• 4:40
  dedicated
• 4:41
  job
• 4:41
  loss
• 4:42
  fund.
• 4:42
  I
• 4:43
  was
• 4:43
  working
• 4:43
  with
• 4:43
  a
• 4:43
  client
• 4:43
  not
• 4:44
  too
• 4:44
  long
• 4:44
  ago,
• 4:44
  he
• 4:44
  had
• 4:45
  a
• 4:45
  job
• 4:45
  loss
• 4:45
  fund.
• 4:45
  He'd
• 4:46
  been
• 4:46
  working
• 4:46
  for
• 4:46
  the
• 4:46
  Same
• 4:46
  company
• 4:47
  for
• 4:47
  20
• 4:47
  years
• 4:48
  and
• 4:48
  he
• 4:48
  had
• 4:48
  a
• 4:48
  ton
• 4:49
  of
• 4:49
  money
• 4:49
  sitting
• 4:49
  over.
• 4:49
  I
• 4:50
  said,
• 4:50
  why
• 4:50
  are
• 4:50
  you
• 4:50
  doing
• 4:51
  it?
• 4:51
  He
• 4:51
  goes,
• 4:51
  ralph,
• 4:52
  you
• 4:52
  never
• 4:52
  know.
• 4:53
  He
• 4:53
  said
• 4:53
  to
• 4:54
  me,
• 4:54
  he
• 4:54
  said,
• 4:54
  ralph,
• 4:54
  we're
• 4:54
  all
• 4:55
  replaceable.
• 4:56
  And
• 4:57
  it's
• 4:57
  the
• 4:57
  truth.
• 4:58
  See,
• 4:58
  the
• 4:58
  act
• 4:58
  of
• 4:59
  doing
• 4:59
  something
• 4:59
  proactive
• 5:00
  signals
• 5:01
  to
• 5:01
  your
• 5:01
  brain
• 5:01
  that
• 5:01
  you're
• 5:02
  taking
• 5:02
  control.
• 5:04
  That's
• 5:04
  what,
• 5:04
  see,
• 5:05
  fear
• 5:05
  is
• 5:06
  reduced
• 5:06
  when
• 5:07
  we
• 5:07
  take
• 5:07
  control.
• 5:08
  And
• 5:08
  when
• 5:08
  we
• 5:09
  take
• 5:09
  control,
• 5:09
  we
• 5:09
  reduce
• 5:10
  that
• 5:10
  feeling
• 5:10
  of
• 5:11
  helplessness.
• 5:13
  Let's
• 5:13
  get
• 5:14
  into
• 5:14
  the
• 5:14
  next
• 5:14
  thing.
• 5:15
  You
• 5:16
  got
• 5:16
  to
• 5:16
  distinguish
• 5:16
  between
• 5:17
  control
• 5:17
  and
• 5:18
  concern
• 5:19
  because
• 5:20
  there's
• 5:20
  a
• 5:20
  distinct
• 5:20
  difference
• 5:21
  here.
• 5:22
  I'm
• 5:23
  sorry,
• 5:23
  but
• 5:23
  you
• 5:23
  can't
• 5:24
  control
• 5:24
  the
• 5:24
  economy.
• 5:25
  You
• 5:25
  can't
• 5:26
  control
• 5:26
  your
• 5:26
  boss's
• 5:27
  decisions.
• 5:28
  Those
• 5:29
  things
• 5:29
  are
• 5:29
  beyond
• 5:29
  your
• 5:30
  control.
• 5:30
  You
• 5:30
  can't
• 5:30
  say
• 5:31
  to
• 5:31
  the
• 5:31
  economy,
• 5:31
  I
• 5:31
  want
• 5:32
  you
• 5:32
  to
• 5:32
  do
• 5:32
  well.
• 5:33
  You
• 5:33
  can't
• 5:33
  say
• 5:33
  to
• 5:33
  your
• 5:34
  boss,
• 5:34
  don't
• 5:34
  make
• 5:34
  that
• 5:35
  decision.
• 5:36
  But
• 5:37
  you
• 5:37
  also
• 5:37
  have
• 5:37
  to
• 5:37
  own
• 5:38
  some
• 5:38
  of
• 5:38
  this.
• 5:39
  You
• 5:39
  can
• 5:40
  control
• 5:40
  your
• 5:40
  spending.
• 5:42
  You
• 5:42
  can
• 5:42
  decide
• 5:42
  where
• 5:43
  I'm
• 5:43
  going
• 5:43
  to
• 5:43
  spend
• 5:43
  my
• 5:43
  money,
• 5:44
  how
• 5:44
  I'm
• 5:44
  going
• 5:44
  to
• 5:44
  save
• 5:45
  my
• 5:45
  money.
• 5:46
  You
• 5:46
  can
• 5:46
  control
• 5:46
  your
• 5:47
  resume.
• 5:48
  You
• 5:48
  can
• 5:48
  control
• 5:48
  the
• 5:49
  skills
• 5:49
  that
• 5:49
  you
• 5:49
  have,
• 5:50
  what
• 5:51
  you
• 5:51
  plan
• 5:51
  to
• 5:51
  do.
• 5:52
  How
• 5:52
  do
• 5:52
  you
• 5:52
  diversify
• 5:53
  yourself?
• 5:55
  And
• 5:55
  you
• 5:55
  can
• 5:55
  certainly
• 5:56
  control
• 5:56
  your
• 5:56
  prayer
• 5:57
  life,
• 5:58
  what
• 5:58
  you
• 5:58
  put
• 5:59
  before
• 5:59
  the
• 5:59
  Lord
• 5:59
  in
• 6:00
  prayer.
• 6:01
  So
• 6:01
  focus
• 6:02
  100%
• 6:03
  of
• 6:03
  your
• 6:03
  energy
• 6:04
  on
• 6:04
  what
• 6:04
  you
• 6:04
  can
• 6:05
  control
• 6:06
  and
• 6:06
  surrender
• 6:07
  the
• 6:07
  rest
• 6:07
  to
• 6:07
  God.
• 6:09
  That
• 6:09
  act
• 6:10
  of
• 6:10
  surrender
• 6:10
  will
• 6:11
  free
• 6:11
  you
• 6:11
  from
• 6:11
  something.
• 6:12
  Listen,
• 6:12
  most
• 6:13
  of
• 6:13
  the
• 6:13
  time
• 6:13
  you
• 6:14
  can't
• 6:14
  control
• 6:14
  it
• 6:15
  anyway.
• 6:16
  It's
• 6:17
  like
• 6:17
  the
• 6:17
  prayer
• 6:17
  of
• 6:17
  serenity.
• 6:19
  Give
• 6:19
  it
• 6:19
  to
• 6:20
  God.
• 6:20
  Because
• 6:21
  guess
• 6:21
  what?
• 6:21
  During
• 6:22
  these
• 6:22
  times
• 6:23
  you
• 6:23
  might
• 6:23
  find
• 6:23
  that
• 6:23
  there's
• 6:24
  only
• 6:24
  one
• 6:24
  set
• 6:24
  of
• 6:24
  footprints.
• 6:25
  If
• 6:25
  you
• 6:25
  haven't
• 6:25
  heard
• 6:25
  that
• 6:25
  one,
• 6:26
  go
• 6:26
  read
• 6:26
  it.
• 6:27
  God's
• 6:28
  going
• 6:28
  to
• 6:28
  carry
• 6:28
  you
• 6:29
  during
• 6:29
  these
• 6:29
  times.
• 6:31
  But
• 6:31
  you
• 6:31
  also
• 6:31
  got
• 6:31
  to
• 6:31
  diversify
• 6:32
  your
• 6:32
  identity.
• 6:34
  So
• 6:34
  many
• 6:34
  of
• 6:34
  us,
• 6:34
  guilty
• 6:35
  as
• 6:35
  charged.
• 6:36
  Our
• 6:36
  self
• 6:37
  worth
• 6:37
  is
• 6:37
  tied
• 6:37
  to
• 6:38
  our
• 6:38
  job
• 6:38
  title.
• 6:39
  I
• 6:39
  don't
• 6:40
  know
• 6:40
  how
• 6:40
  many
• 6:40
  times
• 6:40
  I've
• 6:40
  introduced
• 6:41
  myself
• 6:41
  to
• 6:41
  somebody
• 6:42
  and
• 6:42
  said,
• 6:42
  I
• 6:42
  am
• 6:43
  this,
• 6:43
  I
• 6:43
  am
• 6:43
  the
• 6:43
  president
• 6:44
  of
• 6:44
  this,
• 6:44
  I'm
• 6:45
  the
• 6:45
  vice
• 6:45
  president
• 6:45
  of
• 6:46
  this.
• 6:46
  You
• 6:46
  hear
• 6:46
  me
• 6:46
  say
• 6:46
  it
• 6:46
  on
• 6:46
  the
• 6:47
  show.
• 6:47
  I
• 6:47
  was
• 6:48
  the
• 6:48
  executive
• 6:48
  vice
• 6:48
  president
• 6:49
  of
• 6:49
  the
• 6:49
  credit
• 6:49
  union.
• 6:50
  And
• 6:51
  we
• 6:51
  lose
• 6:51
  our
• 6:51
  self
• 6:52
  worth
• 6:53
  in
• 6:53
  feeling
• 6:53
  like
• 6:54
  if
• 6:54
  we
• 6:54
  lost
• 6:54
  that
• 6:55
  title,
• 6:55
  we
• 6:56
  lose
• 6:56
  ourself.
• 6:58
  So
• 6:58
  I'm
• 6:58
  going
• 6:58
  to
• 6:58
  challenge
• 6:59
  you
• 6:59
  right
• 6:59
  now
• 6:59
  something
• 6:59
  a
• 6:59
  little
• 7:00
  bit
• 7:00
  unconventional.
• 7:01
  This
• 7:02
  is
• 7:02
  a
• 7:02
  great
• 7:02
  time
• 7:02
  to
• 7:03
  invest
• 7:03
  time
• 7:03
  in
• 7:03
  your
• 7:03
  family.
• 7:05
  When
• 7:05
  you
• 7:06
  have
• 7:06
  a
• 7:06
  downturn,
• 7:07
  when
• 7:07
  you
• 7:07
  lose
• 7:07
  your
• 7:07
  job,
• 7:08
  guess
• 7:08
  what?
• 7:08
  You're
• 7:08
  going
• 7:08
  to
• 7:08
  have
• 7:09
  to
• 7:09
  go
• 7:09
  to.
• 7:10
  You're
• 7:10
  going
• 7:10
  to
• 7:10
  have
• 7:10
  to
• 7:11
  go
• 7:11
  to
• 7:11
  your
• 7:11
  family.
• 7:12
  Those
• 7:13
  are
• 7:13
  going
• 7:13
  to
• 7:13
  be
• 7:13
  the
• 7:13
  people
• 7:13
  that
• 7:14
  support
• 7:14
  you.
• 7:15
  Invest
• 7:16
  in
• 7:16
  your
• 7:16
  church.
• 7:17
  Reach
• 7:18
  out
• 7:18
  to
• 7:18
  other
• 7:18
  people.
• 7:18
  Hey,
• 7:19
  maybe
• 7:19
  you've
• 7:19
  got
• 7:19
  a
• 7:20
  great
• 7:20
  job.
• 7:20
  Maybe
• 7:20
  you're
• 7:21
  self
• 7:21
  employed.
• 7:22
  Reach
• 7:22
  out
• 7:22
  to
• 7:23
  that
• 7:23
  person
• 7:23
  right
• 7:23
  now
• 7:23
  that's
• 7:24
  struggling.
• 7:25
  Reach
• 7:25
  out
• 7:25
  to
• 7:25
  that
• 7:25
  person
• 7:26
  right
• 7:26
  now
• 7:26
  who's
• 7:26
  going
• 7:27
  through
• 7:27
  that
• 7:27
  job
• 7:27
  loss
• 7:27
  or
• 7:28
  they're
• 7:28
  fearful
• 7:28
  that
• 7:28
  job
• 7:29
  loss.
• 7:29
  Just
• 7:30
  give
• 7:30
  a
• 7:30
  little
• 7:30
  encouragement.
• 7:31
  One
• 7:31
  of
• 7:31
  the
• 7:31
  things
• 7:31
  I
• 7:31
  love
• 7:31
  about
• 7:32
  this
• 7:32
  show
• 7:32
  is
• 7:32
  people
• 7:33
  say
• 7:33
  to
• 7:33
  me,
• 7:33
  ralph,
• 7:33
  what's
• 7:33
  this
• 7:34
  show
• 7:34
  all
• 7:34
  about?
• 7:34
  And
• 7:34
  I
• 7:34
  say
• 7:35
  it's
• 7:35
  about
• 7:35
  giving
• 7:36
  you
• 7:36
  a
• 7:36
  financial
• 7:36
  hug.
• 7:38
  I
• 7:38
  think
• 7:38
  the
• 7:38
  world
• 7:38
  would
• 7:39
  be
• 7:39
  a
• 7:39
  better
• 7:39
  place
• 7:39
  if
• 7:39
  we
• 7:40
  all
• 7:40
  gave
• 7:40
  each
• 7:40
  other
• 7:40
  a
• 7:40
  hug
• 7:41
  every
• 7:41
  once
• 7:41
  in
• 7:42
  a
• 7:42
  while.
• 7:43
  But
• 7:43
  focus
• 7:43
  on
• 7:43
  your
• 7:44
  hobbies
• 7:44
  as
• 7:44
  well.
• 7:46
  Remind
• 7:46
  yourself
• 7:46
  that
• 7:47
  you're
• 7:47
  a
• 7:47
  child
• 7:47
  of
• 7:48
  God
• 7:48
  who
• 7:49
  happens
• 7:49
  to
• 7:49
  work
• 7:49
  at
• 7:50
  a
• 7:50
  company.
• 7:51
  It's
• 7:52
  not
• 7:52
  the
• 7:52
  other
• 7:52
  way
• 7:52
  around.
• 7:54
  That's
• 7:55
  your
• 7:55
  identity.
• 7:55
  You're
• 7:56
  a
• 7:56
  child
• 7:56
  of
• 7:56
  God.
• 7:56
  Maybe
• 7:56
  you
• 7:57
  work
• 7:57
  at
• 7:57
  a
• 7:57
  company,
• 7:57
  but
• 7:57
  it
• 7:58
  doesn't
• 7:58
  work
• 7:58
  the
• 7:58
  other
• 7:58
  way.
• 8:01
  And
• 8:01
  number
• 8:01
  five,
• 8:03
  pre
• 8:03
  decide
• 8:04
  your
• 8:04
  first
• 8:04
  fruits
• 8:05
  response.
• 8:07
  Decide
• 8:08
  now.
• 8:08
  Even
• 8:08
  in
• 8:09
  a
• 8:09
  transition
• 8:11
  we
• 8:11
  talked
• 8:12
  about
• 8:12
  at
• 8:12
  the
• 8:12
  beginning,
• 8:12
  even
• 8:13
  if
• 8:13
  you
• 8:13
  have
• 8:13
  that
• 8:13
  job
• 8:14
  loss,
• 8:15
  say
• 8:16
  to
• 8:16
  yourself
• 8:16
  right
• 8:16
  now,
• 8:17
  you
• 8:17
  know
• 8:17
  what,
• 8:17
  if
• 8:17
  I
• 8:17
  go
• 8:18
  through
• 8:18
  that
• 8:18
  season,
• 8:18
  I'm
• 8:19
  still
• 8:19
  going
• 8:19
  to
• 8:19
  be
• 8:19
  a
• 8:19
  generous
• 8:20
  person.
• 8:22
  Plan
• 8:22
  to
• 8:22
  remain
• 8:23
  faithful
• 8:23
  in
• 8:24
  your
• 8:24
  giving.
• 8:25
  Listen,
• 8:26
  maybe
• 8:26
  it's
• 8:26
  a
• 8:26
  smaller
• 8:27
  amount,
• 8:27
  maybe
• 8:27
  it's
• 8:28
  a
• 8:28
  smaller
• 8:28
  scale.
• 8:29
  God
• 8:29
  understands
• 8:30
  that.
• 8:30
  Listen,
• 8:31
  God
• 8:31
  knows
• 8:31
  what's
• 8:31
  going
• 8:32
  on.
• 8:33
  He
• 8:33
  sees
• 8:33
  it.
• 8:35
  The
• 8:36
  season
• 8:36
  you're
• 8:36
  in
• 8:36
  right
• 8:36
  now
• 8:37
  might
• 8:37
  be
• 8:37
  a
• 8:37
  lean
• 8:37
  season,
• 8:38
  but
• 8:38
  God
• 8:38
  knows
• 8:38
  your
• 8:39
  heart.
• 8:39
  So
• 8:39
  Keep
• 8:39
  your
• 8:39
  heart
• 8:40
  focused
• 8:40
  on
• 8:40
  God
• 8:41
  as
• 8:41
  your
• 8:41
  provider,
• 8:42
  not
• 8:42
  your
• 8:42
  paycheck.
• 8:44
  Because
• 8:45
  in
• 8:45
  the
• 8:45
  end,
• 8:45
  a
• 8:45
  plan
• 8:46
  is
• 8:46
  a
• 8:46
  tool.
• 8:47
  It's
• 8:48
  great
• 8:48
  to
• 8:48
  have
• 8:48
  a
• 8:48
  plan.
• 8:49
  I
• 8:49
  do
• 8:49
  plans
• 8:49
  all
• 8:50
  day
• 8:50
  long.
• 8:51
  Having
• 8:51
  a
• 8:52
  system
• 8:52
  is
• 8:52
  good,
• 8:53
  but
• 8:54
  don't
• 8:54
  ever
• 8:54
  lose
• 8:55
  sight
• 8:55
  that
• 8:55
  God
• 8:55
  is
• 8:56
  your
• 8:56
  provider,
• 8:57
  not
• 8:57
  your
• 8:58
  employer,
• 8:59
  not
• 8:59
  your
• 8:59
  paycheck.
• 9:00
  God
• 9:01
  is.
• 9:02
  Let's
• 9:02
  talk
• 9:03
  right
• 9:03
  now
• 9:03
  about
• 9:03
  a
• 9:03
  win
• 9:04
  that
• 9:04
  we
• 9:04
  can
• 9:04
  do
• 9:04
  today.
• 9:06
  Here's
• 9:06
  a
• 9:06
  practical
• 9:07
  thing
• 9:07
  that
• 9:07
  you
• 9:07
  can
• 9:07
  do
• 9:08
  right
• 9:08
  now.
• 9:08
  If
• 9:08
  you
• 9:08
  have
• 9:08
  that
• 9:09
  fear
• 9:09
  of
• 9:09
  losing
• 9:10
  your
• 9:10
  job
• 9:10
  or
• 9:10
  getting
• 9:11
  downsized
• 9:11
  or
• 9:12
  any
• 9:12
  of
• 9:12
  Those
• 9:13
  things,
• 9:13
  spend
• 9:14
  15
• 9:14
  minutes
• 9:14
  today
• 9:15
  upgrading
• 9:15
  your
• 9:16
  LinkedIn
• 9:16
  profile.
• 9:17
  If
• 9:17
  you
• 9:17
  don't
• 9:17
  know
• 9:17
  what
• 9:17
  LinkedIn
• 9:18
  is,
• 9:18
  go
• 9:18
  check
• 9:18
  it
• 9:18
  out.
• 9:18
  It's
• 9:19
  a
• 9:19
  great
• 9:19
  place
• 9:19
  for
• 9:19
  people
• 9:20
  in
• 9:20
  business.
• 9:21
  Or
• 9:21
  maybe
• 9:21
  take
• 9:22
  that
• 9:22
  time
• 9:22
  and
• 9:22
  work
• 9:23
  on
• 9:23
  your
• 9:23
  resume.
• 9:24
  I
• 9:24
  don't
• 9:24
  have
• 9:24
  any
• 9:25
  people
• 9:25
  that
• 9:25
  said
• 9:25
  to
• 9:25
  me,
• 9:26
  ralph,
• 9:26
  I
• 9:26
  lost
• 9:26
  my
• 9:27
  job.
• 9:27
  And
• 9:27
  I
• 9:27
  said,
• 9:27
  well,
• 9:27
  do
• 9:28
  me
• 9:28
  a
• 9:28
  favor,
• 9:28
  send
• 9:28
  me
• 9:28
  your
• 9:29
  resume.
• 9:29
  Oh,
• 9:30
  I
• 9:30
  gotta
• 9:30
  work
• 9:30
  on
• 9:30
  that.
• 9:30
  I
• 9:30
  haven't
• 9:31
  put
• 9:31
  a
• 9:31
  resume
• 9:31
  together
• 9:32
  in
• 9:32
  20
• 9:32
  years.
• 9:33
  I
• 9:34
  think
• 9:34
  you
• 9:34
  should
• 9:34
  always
• 9:34
  have
• 9:35
  a
• 9:35
  resume
• 9:35
  up
• 9:36
  to
• 9:36
  date
• 9:36
  sitting
• 9:36
  in
• 9:36
  a
• 9:37
  file
• 9:37
  that
• 9:37
  you
• 9:37
  can
• 9:37
  use
• 9:37
  tomorrow.
• 9:38
  Because
• 9:38
  as
• 9:38
  my
• 9:39
  client
• 9:39
  said,
• 9:40
  we're
• 9:40
  all
• 9:41
  replaceable.
• 9:42
  But
• 9:42
  that
• 9:42
  right
• 9:43
  there
• 9:43
  is
• 9:43
  a
• 9:43
  practical
• 9:44
  step
• 9:44
  that
• 9:44
  prepares
• 9:44
  you
• 9:45
  for
• 9:45
  the
• 9:45
  future
• 9:46
  while
• 9:46
  providing
• 9:47
  your
• 9:47
  worrying
• 9:48
  brain.
• 9:48
  Listen,
• 9:48
  we're
• 9:48
  flesh.
• 9:49
  We're
• 9:49
  going
• 9:49
  to
• 9:49
  worry.
• 9:51
  But
• 9:51
  having
• 9:51
  a
• 9:51
  plan
• 9:52
  will
• 9:52
  tell
• 9:53
  you
• 9:53
  that
• 9:53
  you're
• 9:53
  capable
• 9:54
  and
• 9:54
  ready
• 9:54
  for
• 9:54
  whatever
• 9:55
  comes
• 9:55
  next.
• 9:57
  Well,
• 9:57
  let's
• 9:58
  get
• 9:58
  to
• 9:58
  our
• 9:58
  Bible
• 9:58
  verse
• 9:59
  today.
• 9:59
  It
• 9:59
  comes
• 9:59
  from
• 9:59
  the
• 9:59
  book
• 9:59
  of
• 10:00
  Psalms,
• 10:01
  chapter
• 10:01
  46,
• 10:02
  verses
• 10:03
  1
• 10:03
  and
• 10:03
  2.
• 10:04
  This
• 10:04
  is
• 10:04
  another
• 10:05
  one.
• 10:05
  I
• 10:05
  think
• 10:05
  you
• 10:05
  need
• 10:05
  to
• 10:06
  imprint
• 10:06
  this
• 10:06
  Everywhere.
• 10:07
  Again,
• 10:08
  Psalms
• 10:08
  46,
• 10:09
  verses
• 10:09
  1
• 10:10
  and
• 10:10
  2.
• 10:11
  God
• 10:11
  is
• 10:12
  our
• 10:12
  refuge
• 10:12
  and
• 10:13
  strength,
• 10:14
  and
• 10:14
  ever
• 10:14
  present
• 10:15
  help
• 10:15
  in
• 10:15
  trouble.
• 10:17
  Therefore
• 10:17
  we
• 10:17
  will
• 10:18
  not
• 10:18
  fear,
• 10:19
  though
• 10:19
  the
• 10:19
  earth
• 10:20
  give
• 10:20
  way
• 10:20
  and
• 10:21
  the
• 10:21
  mountains
• 10:21
  fall
• 10:21
  into
• 10:22
  the
• 10:22
  heart
• 10:22
  of
• 10:22
  the
• 10:22
  sea.
• 10:24
  I
• 10:24
  love
• 10:24
  this
• 10:25
  verse.
• 10:27
  Our
• 10:27
  refuge
• 10:28
  and
• 10:28
  strength
• 10:28
  ever
• 10:29
  present
• 10:29
  in
• 10:29
  trouble
• 10:30
  we
• 10:31
  will
• 10:31
  not
• 10:31
  fear.
• 10:32
  See,
• 10:32
  this
• 10:33
  verse
• 10:33
  acknowledges
• 10:33
  that
• 10:34
  things
• 10:34
  can
• 10:35
  fall
• 10:35
  apart.
• 10:36
  Things
• 10:37
  are
• 10:37
  going
• 10:37
  to
• 10:37
  fall
• 10:38
  apart.
• 10:39
  You're
• 10:40
  going
• 10:40
  to
• 10:40
  have
• 10:40
  struggles
• 10:40
  in
• 10:41
  your
• 10:41
  life.
• 10:42
  But
• 10:42
  living
• 10:43
  in
• 10:43
  that
• 10:43
  lack
• 10:43
  of
• 10:43
  fear
• 10:44
  isn't
• 10:44
  based
• 10:44
  on
• 10:45
  the
• 10:45
  stability
• 10:45
  of
• 10:45
  the
• 10:46
  world.
• 10:47
  It's
• 10:47
  based
• 10:48
  on
• 10:48
  the
• 10:48
  stability
• 10:48
  of
• 10:49
  our
• 10:49
  refuge,
• 10:51
  Jesus
• 10:52
  Christ.
• 10:53
  Let's
• 10:53
  pray
• 10:53
  together,
• 10:55
  Lord.
• 10:55
  Right
• 10:55
  now
• 10:56
  I
• 10:56
  want
• 10:56
  to
• 10:56
  pray
• 10:56
  for
• 10:56
  the
• 10:56
  one
• 10:57
  who
• 10:57
  feels
• 10:57
  like
• 10:57
  they're
• 10:58
  walking
• 10:58
  on
• 10:58
  eggshells
• 10:59
  at
• 10:59
  work.
• 11:00
  So
• 11:01
  many
• 11:01
  of
• 11:01
  us
• 11:01
  have
• 11:01
  been
• 11:02
  in
• 11:02
  that
• 11:02
  same
• 11:02
  place,
• 11:03
  Lord.
• 11:04
  And
• 11:04
  right
• 11:04
  now
• 11:04
  I
• 11:04
  call
• 11:05
  on
• 11:05
  you
• 11:05
  for
• 11:05
  supernatural
• 11:06
  peace.
• 11:06
  To
• 11:07
  guard
• 11:07
  their
• 11:07
  heart,
• 11:07
  Lord,
• 11:08
  and
• 11:08
  call
• 11:08
  guard
• 11:09
  their
• 11:09
  mind,
• 11:10
  Lord.
• 11:11
  Give
• 11:11
  them
• 11:11
  wisdom
• 11:11
  of
• 11:12
  Joseph
• 11:12
  to
• 11:12
  prepare
• 11:13
  for
• 11:13
  those
• 11:13
  lean
• 11:13
  times.
• 11:15
  But
• 11:15
  also
• 11:15
  give
• 11:15
  them
• 11:16
  the
• 11:16
  heart
• 11:16
  of
• 11:16
  David
• 11:17
  to
• 11:17
  trust
• 11:17
  in
• 11:17
  your
• 11:18
  protection
• 11:18
  at
• 11:18
  all
• 11:19
  times,
• 11:19
  Lord.
• 11:20
  Quiet,
• 11:20
  the
• 11:20
  voices
• 11:21
  of
• 11:21
  anxiety
• 11:21
  and
• 11:22
  replace
• 11:22
  them
• 11:22
  with
• 11:23
  the
• 11:24
  assurance
• 11:24
  that
• 11:25
  all
• 11:25
  we
• 11:25
  really
• 11:26
  need
• 11:26
  is
• 11:26
  you
• 11:28
  and
• 11:28
  a
• 11:28
  simple
• 11:28
  plan
• 11:29
  for
• 11:29
  the
• 11:29
  next
• 11:29
  step.
• 11:31
  Because
• 11:31
  Lord,
• 11:31
  we
• 11:31
  trust
• 11:32
  you
• 11:33
  and
• 11:33
  we
• 11:33
  know
• 11:33
  that
• 11:33
  you're
• 11:34
  going
• 11:34
  to
• 11:34
  provide
• 11:34
  every
• 11:35
  need
• 11:35
  according
• 11:35
  to
• 11:36
  your
• 11:36
  riches
• 11:36
  in
• 11:36
  glory.
• 11:38
  And
• 11:38
  we
• 11:38
  ask
• 11:38
  this
• 11:39
  in
• 11:39
  the
• 11:39
  name
• 11:39
  of
• 11:39
  Jesus.
• 11:41
  Amen.
• 11:43
  Friend.
• 11:44
  Hear
• 11:44
  me
• 11:44
  on
• 11:44
  this.
• 11:45
  You
• 11:46
  can
• 11:46
  be
• 11:46
  prepared
• 11:47
  for
• 11:47
  the
• 11:47
  worst
• 11:48
  while
• 11:48
  still
• 11:49
  expecting
• 11:49
  God's
• 11:50
  best.
• 11:51
  You
• 11:51
  might
• 11:51
  not
• 11:52
  see
• 11:52
  it
• 11:52
  at
• 11:52
  the
• 11:52
  time,
• 11:53
  but
• 11:54
  God
• 11:54
  has
• 11:54
  a
• 11:54
  plan
• 11:54
  for
• 11:55
  your
• 11:55
  life.
• 11:57
  And
• 11:57
  if
• 11:57
  you've
• 11:58
  got
• 11:58
  a
• 11:58
  question
• 11:58
  for
• 11:58
  this
• 11:58
  show,
• 11:59
  I
• 11:59
  would
• 11:59
  love
• 11:59
  to
• 11:59
  answer
• 11:59
  your
• 12:00
  question
• 12:00
  on
• 12:00
  the
• 12:00
  show.
• 12:00
  You
• 12:00
  can
• 12:01
  get
• 12:01
  to
• 12:01
  it
• 12:01
  by
• 12:01
  going
• 12:01
  to
• 12:02
  financiallyconfidentchristian.com/question
• 12:06
  We'll
• 12:07
  put
• 12:07
  that
• 12:07
  in
• 12:07
  the
• 12:07
  show
• 12:07
  notes.
• 12:07
  You
• 12:08
  can
• 12:08
  just
• 12:08
  click
• 12:08
  right
• 12:08
  on
• 12:08
  the
• 12:08
  link.
• 12:09
  But
• 12:09
  again,
• 12:09
  it's
• 12:09
  financiallyconfidentchristian.com/question
• 12:14
  Thank
• 12:15
  you
• 12:15
  so
• 12:15
  much
• 12:15
  for
• 12:15
  joining
• 12:16
  me.
• 12:16
  Today
• 12:16
  is
• 12:16
  a
• 12:16
  tough
• 12:17
  one
• 12:17
  today.
• 12:18
  I've
• 12:19
  never
• 12:19
  been
• 12:19
  through
• 12:19
  that
• 12:19
  job
• 12:20
  loss
• 12:20
  personally,
• 12:22
  but
• 12:22
  just
• 12:22
  listen
• 12:23
  to
• 12:23
  what
• 12:23
  I
• 12:23
  said
• 12:23
  today
• 12:24
  and
• 12:24
  just
• 12:24
  remember,
• 12:24
  you're
• 12:24
  a
• 12:25
  child
• 12:25
  of
• 12:25
  God
• 12:25
  and
• 12:25
  He's
• 12:25
  got
• 12:26
  this.
• 12:26
  No
• 12:26
  matter
• 12:26
  how
• 12:26
  dark
• 12:27
  it
• 12:27
  seems
• 12:27
  now
• 12:27
  about
• 12:28
  how
• 12:28
  hard
• 12:29
  the
• 12:29
  storm
• 12:29
  is
• 12:29
  raging,
• 12:31
  God
• 12:31
  is
• 12:31
  right
• 12:32
  there
• 12:32
  with
• 12:32
  you.
• 12:33
  So
• 12:33
  stay
• 12:34
  financially
• 12:34
  savvy.
• 12:35
  God
• 12:35
  bless
• 12:35
  you
• 12:36
  and
• 12:36
  you
• 12:36
  have
• 12:36
  a
• 12:37
  great
• 12:37
  day.