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Why Do Unexpected Expenses Always Destroy My Budget? · Becoming Financially Confident

• 0:37
  You
• 0:37
  ever
• 0:37
  notice
• 0:38
  how
• 0:38
  you
• 0:38
  can
• 0:38
  have
• 0:38
  the
• 0:38
  best
• 0:39
  intentions
• 0:39
  with
• 0:39
  your
• 0:39
  budget?
• 0:40
  I
• 0:40
  mean,
• 0:40
  everything
• 0:41
  is
• 0:41
  lined
• 0:41
  up,
• 0:41
  everything
• 0:42
  is
• 0:42
  clicking,
• 0:42
  it
• 0:42
  is
• 0:43
  just
• 0:43
  chugging
• 0:43
  right
• 0:43
  along
• 0:44
  and
• 0:44
  then
• 0:45
  out
• 0:45
  of
• 0:45
  nowhere,
• 0:45
  bam.
• 0:47
  The
• 0:47
  car
• 0:47
  breaks
• 0:48
  down,
• 0:48
  flat
• 0:49
  tire
• 0:49
  on
• 0:49
  the
• 0:49
  way
• 0:49
  to
• 0:49
  work.
• 0:50
  Hey,
• 0:51
  maybe
• 0:51
  you're
• 0:51
  at
• 0:51
  the
• 0:51
  dentist
• 0:51
  and
• 0:52
  they
• 0:52
  say,
• 0:52
  guess
• 0:52
  what,
• 0:52
  Ralph,
• 0:53
  you
• 0:53
  need
• 0:53
  a
• 0:53
  root
• 0:54
  canal.
• 0:54
  Or
• 0:55
  maybe
• 0:55
  you're
• 0:55
  doing
• 0:55
  that
• 0:56
  last
• 0:56
  load
• 0:56
  of
• 0:56
  washing.
• 0:57
  That
• 0:57
  washing
• 0:57
  machine
• 0:58
  just
• 0:58
  goes
• 0:58
  thud
• 0:58
  for
• 0:59
  the
• 0:59
  last
• 0:59
  time
• 1:00
  and
• 1:00
  suddenly
• 1:00
  those
• 1:01
  great
• 1:01
  plans
• 1:01
  you
• 1:01
  had,
• 1:02
  they
• 1:02
  just
• 1:02
  feel
• 1:03
  wrecked.
• 1:04
  But
• 1:04
  what
• 1:04
  if
• 1:04
  you
• 1:04
  could
• 1:04
  shield
• 1:05
  yourself
• 1:05
  from
• 1:05
  that?
• 1:05
  What
• 1:06
  if
• 1:06
  you
• 1:06
  could
• 1:06
  not
• 1:06
  have
• 1:07
  to
• 1:07
  get
• 1:07
  into
• 1:07
  that
• 1:08
  each
• 1:08
  time
• 1:08
  something
• 1:09
  happens
• 1:09
  out
• 1:09
  of
• 1:09
  nowhere?
• 1:10
  Well,
• 1:10
  join
• 1:11
  me
• 1:11
  for
• 1:11
  today's
• 1:11
  show
• 1:11
  because
• 1:11
  I'm
• 1:11
  going
• 1:11
  to
• 1:12
  talk
• 1:12
  about
• 1:12
  exactly
• 1:12
  how
• 1:12
  to
• 1:13
  do
• 1:13
  that.
• 1:14
  This
• 1:15
  is
• 1:15
  Financially
• 1:16
  Confident
• 1:16
  Christian,
• 1:17
  your
• 1:17
  daily
• 1:17
  dose
• 1:18
  of
• 1:18
  gospel
• 1:18
  grounded
• 1:19
  insight
• 1:19
  and
• 1:19
  faith
• 1:20
  driven
• 1:20
  tips
• 1:21
  to
• 1:21
  help
• 1:21
  you
• 1:21
  break
• 1:21
  the
• 1:22
  cycle
• 1:22
  of
• 1:22
  financial
• 1:23
  shame
• 1:23
  with
• 1:23
  confidence.
• 1:25
  Hello
• 1:26
  there.
• 1:26
  Welcome
• 1:26
  to
• 1:27
  Financially
• 1:27
  Confident
• 1:28
  Christian.
• 1:28
  I'm
• 1:28
  Ralph
• 1:29
  and
• 1:29
  we're
• 1:29
  continuing
• 1:29
  in
• 1:30
  our
• 1:30
  series
• 1:30
  Breaking
• 1:31
  Financial
• 1:31
  Chains.
• 1:32
  This
• 1:32
  is
• 1:32
  the
• 1:32
  show
• 1:33
  where
• 1:33
  we
• 1:33
  help
• 1:33
  you
• 1:33
  become
• 1:34
  a
• 1:34
  more
• 1:35
  financially
• 1:35
  confident
• 1:36
  Christian.
• 1:36
  And
• 1:37
  yesterday,
• 1:37
  if
• 1:37
  you
• 1:37
  missed
• 1:37
  the
• 1:37
  show,
• 1:38
  we
• 1:38
  talked
• 1:38
  about
• 1:38
  finding
• 1:39
  extra
• 1:39
  money
• 1:39
  when
• 1:39
  your
• 1:40
  budget's
• 1:40
  already.
• 1:40
  We
• 1:41
  talked
• 1:41
  about
• 1:41
  how
• 1:41
  to
• 1:42
  squeeze
• 1:42
  just
• 1:42
  a
• 1:42
  little
• 1:42
  bit
• 1:43
  more
• 1:43
  out
• 1:43
  of
• 1:44
  that
• 1:44
  budget.
• 1:44
  So
• 1:44
  if
• 1:44
  you
• 1:44
  miss
• 1:44
  it,
• 1:45
  I'm
• 1:45
  going
• 1:45
  to
• 1:45
  encourage
• 1:45
  you
• 1:45
  to
• 1:45
  check
• 1:45
  it
• 1:46
  out.
• 1:46
  You
• 1:46
  can
• 1:46
  see
• 1:46
  all
• 1:47
  of
• 1:47
  our
• 1:47
  shows
• 1:48
  at
• 1:49
  ffinanciallyconfidentchristian.combut
• 1:50
  today
• 1:51
  we're
• 1:51
  going
• 1:51
  to
• 1:51
  talk
• 1:51
  about
• 1:51
  something
• 1:52
  completely
• 1:52
  different.
• 1:53
  We're
• 1:53
  going
• 1:53
  to
• 1:53
  talk
• 1:54
  about
• 1:54
  those
• 1:54
  unexpected
• 1:55
  expenses.
• 1:56
  They
• 1:56
  always
• 1:56
  seem
• 1:56
  to
• 1:56
  happen
• 1:57
  when
• 1:57
  you've
• 1:57
  planned.
• 1:58
  You've
• 1:58
  got
• 1:58
  everything
• 1:59
  clicking
• 1:59
  and
• 2:00
  all
• 2:00
  of
• 2:00
  a
• 2:00
  sudden,
• 2:00
  bama
• 2:00
  whammaho,
• 2:02
  unexpected
• 2:02
  expense.
• 2:03
  And
• 2:03
  see,
• 2:04
  the
• 2:04
  problem
• 2:04
  is
• 2:04
  you
• 2:04
  can
• 2:04
  be
• 2:05
  careful
• 2:05
  with
• 2:05
  your
• 2:05
  budgeting.
• 2:06
  You
• 2:06
  can
• 2:06
  be
• 2:06
  super
• 2:07
  intentional
• 2:08
  about
• 2:08
  your
• 2:08
  spending.
• 2:09
  You're
• 2:09
  starting
• 2:09
  to
• 2:10
  gain
• 2:10
  that
• 2:10
  momentum.
• 2:11
  I've
• 2:11
  had
• 2:11
  so
• 2:11
  many
• 2:11
  people
• 2:12
  say
• 2:12
  to
• 2:12
  me,
• 2:12
  Ralph,
• 2:12
  I
• 2:13
  was
• 2:13
  chugging
• 2:13
  right
• 2:13
  along.
• 2:14
  And
• 2:14
  then
• 2:14
  whamho,
• 2:15
  car
• 2:15
  repair
• 2:17
  pipe
• 2:17
  bursts.
• 2:18
  That
• 2:19
  doctor
• 2:19
  Bill
• 2:19
  arrives.
• 2:21
  The
• 2:21
  problem
• 2:21
  is
• 2:21
  you
• 2:21
  can't
• 2:22
  delay
• 2:22
  these.
• 2:22
  Now
• 2:22
  I'm
• 2:22
  gonna
• 2:22
  tell
• 2:23
  you
• 2:23
  right
• 2:23
  now,
• 2:23
  I'm
• 2:23
  gonna
• 2:23
  tell
• 2:23
  you
• 2:23
  a
• 2:23
  little
• 2:23
  story.
• 2:24
  I
• 2:24
  tried
• 2:24
  to
• 2:24
  delay
• 2:24
  one.
• 2:25
  One
• 2:25
  time
• 2:25
  I
• 2:25
  went
• 2:25
  to
• 2:25
  the
• 2:25
  dentist
• 2:26
  for
• 2:26
  a
• 2:26
  cleaning
• 2:26
  and
• 2:26
  she
• 2:27
  said,
• 2:27
  Ralph,
• 2:28
  got
• 2:28
  a
• 2:28
  cavity
• 2:28
  in
• 2:28
  the
• 2:28
  back
• 2:28
  here.
• 2:29
  Just
• 2:29
  a
• 2:29
  little
• 2:29
  bit
• 2:29
  of
• 2:29
  a
• 2:29
  cavity.
• 2:30
  We
• 2:30
  should
• 2:30
  go
• 2:30
  and
• 2:31
  fix
• 2:31
  that.
• 2:31
  And
• 2:31
  I
• 2:31
  said,
• 2:31
  oh,
• 2:32
  you
• 2:32
  know,
• 2:32
  it's,
• 2:32
  that's
• 2:33
  a
• 2:33
  little
• 2:33
  extra
• 2:33
  time.
• 2:34
  I
• 2:34
  don't
• 2:34
  really
• 2:34
  have
• 2:34
  the
• 2:34
  time
• 2:35
  right
• 2:35
  now.
• 2:35
  She
• 2:36
  told
• 2:36
  me
• 2:36
  it's
• 2:36
  going
• 2:36
  to
• 2:36
  be
• 2:36
  a
• 2:36
  couple
• 2:37
  hundred
• 2:37
  dollars.
• 2:37
  Oh,
• 2:37
  you
• 2:37
  know,
• 2:37
  I'll
• 2:38
  just
• 2:38
  put
• 2:38
  it
• 2:38
  off.
• 2:38
  Well,
• 2:39
  fast
• 2:39
  forward
• 2:39
  five
• 2:40
  years,
• 2:40
  I
• 2:40
  kept
• 2:40
  putting
• 2:40
  it
• 2:41
  off.
• 2:41
  Guess
• 2:41
  what?
• 2:41
  I
• 2:42
  went
• 2:42
  into
• 2:42
  the
• 2:42
  dentist
• 2:42
  the
• 2:43
  next
• 2:43
  time
• 2:43
  after
• 2:44
  five
• 2:44
  years,
• 2:45
  guess
• 2:45
  what?
• 2:45
  I
• 2:46
  needed
• 2:46
  a
• 2:46
  root
• 2:46
  canal.
• 2:47
  So
• 2:47
  that
• 2:48
  150,
• 2:48
  $200
• 2:49
  repair
• 2:49
  all
• 2:49
  of
• 2:50
  a
• 2:50
  sudden
• 2:50
  was
• 2:50
  a
• 2:50
  3,
• 2:51
  4,
• 2:52
  $5,000
• 2:52
  root
• 2:53
  canal.
• 2:54
  But
• 2:54
  sometimes
• 2:54
  you
• 2:55
  can't
• 2:55
  delay
• 2:55
  these
• 2:56
  things.
• 2:56
  Your
• 2:57
  car's
• 2:57
  sitting
• 2:57
  on
• 2:57
  the
• 2:57
  side
• 2:57
  of
• 2:58
  the
• 2:58
  road.
• 2:58
  Guess
• 2:58
  what?
• 2:58
  You
• 2:58
  got
• 2:58
  to
• 2:59
  get
• 2:59
  it
• 2:59
  fixed
• 2:59
  if
• 2:59
  you
• 2:59
  want
• 2:59
  to
• 3:00
  get
• 3:00
  to
• 3:00
  work.
• 3:01
  So
• 3:01
  what's
• 3:01
  the
• 3:01
  result?
• 3:02
  For
• 3:02
  most
• 3:02
  of
• 3:02
  us,
• 3:03
  we
• 3:03
  dip
• 3:03
  into
• 3:03
  our
• 3:04
  savings
• 3:04
  and
• 3:05
  we
• 3:05
  swipe
• 3:05
  that
• 3:06
  credit
• 3:06
  card,
• 3:07
  go
• 3:07
  back
• 3:07
  in
• 3:07
  debt,
• 3:08
  something
• 3:08
  we
• 3:08
  work
• 3:08
  so
• 3:09
  hard
• 3:09
  to
• 3:09
  get
• 3:09
  out.
• 3:09
  And
• 3:09
  we'll
• 3:09
  talk
• 3:10
  more
• 3:10
  about
• 3:10
  that
• 3:10
  on
• 3:10
  tomorrow's
• 3:11
  show.
• 3:12
  And
• 3:12
  I
• 3:12
  even
• 3:12
  had
• 3:12
  a
• 3:12
  listener
• 3:13
  send
• 3:13
  me
• 3:13
  an
• 3:13
  email.
• 3:13
  He
• 3:13
  said,
• 3:13
  Ralph,
• 3:14
  why
• 3:14
  do
• 3:14
  I
• 3:14
  bother
• 3:15
  budgeting
• 3:15
  if
• 3:15
  light
• 3:16
  keeps
• 3:16
  breaking
• 3:17
  stuff?
• 3:17
  And
• 3:17
  I
• 3:18
  feel
• 3:18
  for
• 3:18
  that
• 3:18
  person.
• 3:18
  That
• 3:19
  is
• 3:19
  so
• 3:19
  true.
• 3:20
  But
• 3:21
  I
• 3:21
  want
• 3:21
  to
• 3:21
  say
• 3:21
  something
• 3:22
  that's
• 3:22
  going
• 3:22
  to
• 3:22
  sound
• 3:23
  a
• 3:23
  little
• 3:23
  bit
• 3:23
  snarky
• 3:24
  today.
• 3:25
  The
• 3:25
  truth
• 3:25
  is,
• 3:25
  unexpected
• 3:26
  expenses
• 3:27
  aren't
• 3:27
  really
• 3:28
  unexpected.
• 3:29
  They're
• 3:29
  going
• 3:29
  to
• 3:30
  happen.
• 3:30
  The
• 3:31
  question
• 3:31
  is
• 3:31
  when
• 3:31
  they're
• 3:32
  going
• 3:32
  to
• 3:32
  happen.
• 3:32
  That's
• 3:33
  the
• 3:33
  surprise
• 3:33
  part.
• 3:34
  But
• 3:34
  the
• 3:35
  big
• 3:35
  problem,
• 3:35
  if
• 3:35
  we're
• 3:36
  going
• 3:36
  to
• 3:36
  be
• 3:36
  honest
• 3:36
  with
• 3:36
  ourselves,
• 3:37
  the
• 3:37
  big
• 3:37
  problem
• 3:37
  is
• 3:37
  you've
• 3:38
  got
• 3:38
  no
• 3:38
  cushion.
• 3:39
  And
• 3:39
  see,
• 3:40
  God
• 3:40
  calls
• 3:40
  us
• 3:40
  to
• 3:41
  be
• 3:41
  prepared.
• 3:41
  Let's
• 3:42
  get
• 3:42
  right
• 3:42
  into
• 3:42
  a
• 3:42
  word
• 3:43
  today
• 3:43
  and
• 3:43
  talk
• 3:44
  about
• 3:44
  the
• 3:44
  Bible
• 3:45
  feeling
• 3:45
  on
• 3:45
  this
• 3:46
  preparation.
• 3:46
  Let's
• 3:46
  go
• 3:47
  right
• 3:47
  to
• 3:47
  the
• 3:47
  book
• 3:47
  of
• 3:47
  Proverbs.
• 3:48
  This
• 3:48
  is
• 3:48
  from
• 3:48
  chapter
• 3:49
  22,
• 3:49
  verse
• 3:50
  3.
• 3:50
  And
• 3:51
  it
• 3:51
  says
• 3:51
  this.
• 3:51
  And
• 3:51
  I've
• 3:51
  used
• 3:51
  this
• 3:52
  on
• 3:52
  the
• 3:52
  show
• 3:52
  many
• 3:52
  times.
• 3:53
  The
• 3:53
  prudence.
• 3:54
  See
• 3:54
  danger
• 3:54
  and
• 3:55
  take
• 3:55
  refuge.
• 3:56
  But
• 3:56
  the
• 3:56
  simple
• 3:57
  keep
• 3:57
  going
• 3:57
  and
• 3:57
  suffer
• 3:58
  for.
• 3:58
  I
• 3:58
  guess
• 3:58
  you
• 3:59
  could
• 3:59
  say
• 3:59
  I
• 3:59
  was
• 3:59
  pretty
• 4:00
  simple
• 4:00
  when
• 4:00
  the
• 4:00
  dentist
• 4:01
  said
• 4:01
  to
• 4:01
  me,
• 4:01
  Ralph,
• 4:01
  get
• 4:02
  this
• 4:02
  tooth
• 4:02
  fixed
• 4:03
  now.
• 4:03
  But
• 4:04
  that's
• 4:04
  what
• 4:04
  scripture's
• 4:04
  talking
• 4:05
  about.
• 4:05
  If
• 4:06
  you
• 4:06
  see
• 4:06
  that
• 4:06
  danger,
• 4:07
  take
• 4:08
  refuge,
• 4:08
  make
• 4:08
  plans.
• 4:09
  Let's
• 4:09
  get
• 4:09
  to
• 4:09
  another
• 4:09
  Bible
• 4:10
  verse.
• 4:10
  And
• 4:11
  this
• 4:11
  is
• 4:11
  from
• 4:11
  the
• 4:11
  book
• 4:11
  of
• 4:11
  Ecclesiastes.
• 4:13
  This
• 4:13
  is
• 4:13
  chapter
• 4:14
  11,
• 4:14
  verse
• 4:14
  2.
• 4:15
  And
• 4:15
  I
• 4:15
  think
• 4:15
  this
• 4:15
  is
• 4:16
  a
• 4:16
  great,
• 4:17
  great
• 4:17
  scripture
• 4:17
  to
• 4:18
  use
• 4:18
  to
• 4:18
  talk
• 4:18
  about
• 4:18
  today.
• 4:19
  It
• 4:19
  says,
• 4:19
  invest
• 4:19
  in
• 4:19
  seven
• 4:20
  ventures.
• 4:20
  Yes.
• 4:21
  In
• 4:21
  eight.
• 4:22
  You
• 4:22
  do
• 4:22
  not
• 4:23
  know
• 4:23
  what
• 4:23
  disaster
• 4:24
  may
• 4:24
  come
• 4:24
  upon
• 4:24
  the
• 4:25
  land.
• 4:25
  Hey,
• 4:26
  we
• 4:26
  can
• 4:26
  apply
• 4:26
  that
• 4:26
  to
• 4:26
  our
• 4:27
  finances,
• 4:27
  can't
• 4:27
  we?
• 4:28
  We
• 4:28
  know
• 4:29
  things
• 4:29
  are
• 4:29
  going
• 4:29
  to
• 4:29
  happen.
• 4:30
  But
• 4:31
  if
• 4:31
  we're
• 4:31
  prepared,
• 4:31
  if
• 4:32
  we
• 4:32
  have
• 4:32
  that
• 4:32
  prudence
• 4:33
  and
• 4:33
  we
• 4:33
  work
• 4:34
  to
• 4:34
  be
• 4:34
  good
• 4:34
  stewards
• 4:35
  of
• 4:35
  God
• 4:35
  is
• 4:35
  giving
• 4:36
  us,
• 4:36
  we
• 4:37
  can
• 4:37
  avoid
• 4:37
  those
• 4:37
  things.
• 4:38
  And
• 4:39
  see,
• 4:39
  that's
• 4:39
  what
• 4:39
  we'll
• 4:39
  talk
• 4:39
  about.
• 4:39
  Emergency
• 4:40
  funds.
• 4:40
  Today
• 4:40
  you
• 4:40
  probably
• 4:41
  say,
• 4:41
  oh,
• 4:41
  Ralph,
• 4:41
  here
• 4:41
  he
• 4:41
  goes
• 4:41
  with
• 4:42
  emergency
• 4:42
  funds
• 4:42
  again.
• 4:43
  And
• 4:43
  a
• 4:43
  lot
• 4:43
  of
• 4:44
  people
• 4:44
  say,
• 4:44
  Ralph,
• 4:44
  you
• 4:44
  just
• 4:45
  have
• 4:45
  to
• 4:45
  have
• 4:45
  faith.
• 4:46
  And
• 4:46
  I'm
• 4:46
  going
• 4:46
  to
• 4:46
  argue
• 4:47
  a
• 4:47
  little
• 4:47
  bit
• 4:47
  about
• 4:47
  that
• 4:47
  because,
• 4:48
  see,
• 4:48
  an
• 4:48
  emergency
• 4:49
  fund
• 4:49
  isn't
• 4:49
  a
• 4:49
  lack
• 4:50
  of
• 4:50
  faith.
• 4:51
  You
• 4:51
  can
• 4:51
  have
• 4:52
  faith
• 4:52
  and
• 4:52
  still
• 4:52
  have
• 4:52
  an
• 4:52
  emergency
• 4:53
  fund.
• 4:53
  What
• 4:53
  an
• 4:53
  emergency
• 4:54
  fund
• 4:54
  is,
• 4:55
  is
• 4:56
  wise
• 4:56
  management
• 4:56
  of
• 4:57
  what
• 4:57
  God
• 4:57
  provides.
• 4:58
  So
• 4:58
  I'm
• 4:58
  going
• 4:58
  to
• 4:58
  give
• 4:59
  you
• 4:59
  one
• 4:59
  action
• 4:59
  step
• 5:00
  today.
• 5:00
  One
• 5:00
  thing
• 5:01
  above
• 5:01
  all
• 5:01
  else.
• 5:02
  You've
• 5:02
  got
• 5:02
  to
• 5:03
  go
• 5:03
  build
• 5:03
  that
• 5:03
  emergency
• 5:04
  fund.
• 5:04
  This
• 5:04
  is
• 5:04
  not
• 5:05
  optional
• 5:05
  anymore.
• 5:06
  This
• 5:06
  is
• 5:06
  very
• 5:07
  important.
• 5:07
  It's
• 5:07
  got
• 5:07
  to
• 5:08
  be
• 5:08
  your
• 5:08
  first
• 5:08
  line
• 5:08
  of
• 5:09
  defense.
• 5:09
  And
• 5:10
  listen,
• 5:10
  it
• 5:10
  doesn't
• 5:10
  have
• 5:10
  to
• 5:11
  be
• 5:11
  this
• 5:11
  huge
• 5:12
  monthly
• 5:12
  thing
• 5:12
  where
• 5:13
  you've
• 5:13
  got
• 5:13
  three,
• 5:13
  four,
• 5:14
  five,
• 5:14
  six
• 5:14
  months
• 5:15
  of
• 5:15
  emergency
• 5:15
  funds.
• 5:15
  I
• 5:16
  hear
• 5:16
  people
• 5:16
  online,
• 5:17
  these
• 5:17
  financial
• 5:18
  gurus,
• 5:19
  if
• 5:19
  you
• 5:19
  will,
• 5:19
  say,
• 5:19
  oh,
• 5:20
  you
• 5:20
  got
• 5:20
  to
• 5:20
  get
• 5:20
  3,
• 5:20
  6,
• 5:21
  5,
• 5:21
  7
• 5:21
  months
• 5:21
  of
• 5:22
  savings
• 5:23
  of
• 5:23
  your.
• 5:23
  Of
• 5:23
  your
• 5:24
  monthly
• 5:24
  income
• 5:24
  to
• 5:25
  put
• 5:25
  into
• 5:25
  an
• 5:25
  emergency
• 5:26
  fund.
• 5:27
  Guess
• 5:27
  what?
• 5:27
  That's
• 5:28
  a
• 5:28
  great
• 5:28
  thing
• 5:28
  to
• 5:28
  do.
• 5:28
  But
• 5:29
  you
• 5:29
  can
• 5:29
  start
• 5:29
  small
• 5:30
  because
• 5:30
  that's
• 5:31
  going
• 5:31
  to
• 5:31
  be
• 5:31
  your
• 5:31
  shield
• 5:32
  against
• 5:32
  your
• 5:33
  panic.
• 5:33
  When
• 5:33
  that
• 5:33
  happens,
• 5:34
  you
• 5:34
  don't
• 5:34
  want
• 5:34
  to
• 5:34
  have
• 5:35
  to
• 5:35
  rely
• 5:35
  on
• 5:35
  those
• 5:36
  credit
• 5:36
  cards.
• 5:37
  So
• 5:37
  here's
• 5:38
  your
• 5:38
  one
• 5:38
  action
• 5:38
  step
• 5:38
  for
• 5:38
  today.
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:39
  pick
• 5:39
  a
• 5:40
  small
• 5:40
  goal.
• 5:40
  Listen,
• 5:40
  it
• 5:40
  doesn't
• 5:41
  have
• 5:41
  to
• 5:41
  be
• 5:41
  a
• 5:41
  big
• 5:41
  number
• 5:42
  for
• 5:42
  you,
• 5:42
  maybe
• 5:43
  $500,
• 5:44
  maybe
• 5:44
  if
• 5:44
  you
• 5:44
  got
• 5:44
  the
• 5:45
  means,
• 5:45
  make
• 5:45
  it
• 5:45
  a
• 5:45
  thousand
• 5:46
  dollars,
• 5:46
  just
• 5:46
  something
• 5:46
  to
• 5:47
  start.
• 5:47
  And
• 5:47
  then
• 5:47
  I
• 5:48
  want
• 5:48
  you
• 5:48
  to
• 5:48
  start
• 5:48
  to
• 5:49
  build
• 5:49
  momentum
• 5:50
  to
• 5:50
  getting
• 5:50
  towards
• 5:51
  that
• 5:51
  goal.
• 5:51
  Hey,
• 5:51
  maybe
• 5:52
  $10
• 5:52
  this
• 5:52
  week.
• 5:53
  You
• 5:53
  don't
• 5:53
  go
• 5:53
  through
• 5:53
  the
• 5:54
  drive
• 5:54
  through
• 5:54
  that
• 5:54
  day
• 5:54
  on
• 5:55
  the
• 5:55
  way
• 5:55
  home
• 5:55
  from
• 5:55
  work.
• 5:55
  Or
• 5:56
  maybe
• 5:56
  you
• 5:56
  sell
• 5:56
  something,
• 5:57
  you
• 5:57
  got
• 5:57
  something
• 5:57
  sitting
• 5:58
  right.
• 5:58
  Man,
• 5:58
  I
• 5:58
  got
• 5:58
  a
• 5:58
  ton.
• 5:59
  I
• 5:59
  got
• 5:59
  barns
• 5:59
  here
• 6:00
  on
• 6:00
  the
• 6:00
  farm
• 6:00
  full,
• 6:00
  all
• 6:00
  kinds
• 6:01
  of
• 6:01
  stuff.
• 6:01
  I'm
• 6:01
  actually
• 6:02
  playing
• 6:02
  in
• 6:02
  sort
• 6:02
  of
• 6:02
  a
• 6:03
  fall
• 6:03
  farm
• 6:03
  sale
• 6:04
  because
• 6:04
  my
• 6:04
  wife
• 6:04
  says
• 6:04
  to
• 6:04
  me
• 6:04
  all
• 6:04
  the
• 6:05
  time,
• 6:05
  she
• 6:05
  goes,
• 6:05
  rob,
• 6:05
  you
• 6:05
  know,
• 6:05
  you
• 6:05
  got
• 6:06
  so
• 6:06
  much
• 6:06
  stuff
• 6:06
  sitting
• 6:06
  around
• 6:07
  here,
• 6:07
  you
• 6:07
  got
• 6:07
  to
• 6:07
  get
• 6:07
  rid
• 6:08
  of
• 6:08
  some
• 6:08
  of
• 6:08
  this
• 6:08
  stuff.
• 6:09
  Or
• 6:09
  maybe
• 6:09
  you
• 6:09
  delay
• 6:10
  a
• 6:10
  purchase,
• 6:10
  anything
• 6:11
  to
• 6:11
  get
• 6:11
  started,
• 6:11
  to
• 6:12
  start,
• 6:12
  build
• 6:12
  that
• 6:13
  momentum.
• 6:13
  And
• 6:13
  then
• 6:14
  the
• 6:14
  second
• 6:14
  piece
• 6:14
  to
• 6:14
  this,
• 6:15
  and
• 6:15
  this
• 6:15
  is
• 6:15
  crucial,
• 6:16
  you've
• 6:16
  got
• 6:16
  to
• 6:16
  separate
• 6:17
  those
• 6:17
  monies.
• 6:18
  I'm
• 6:18
  a
• 6:18
  big
• 6:19
  believer
• 6:19
  in
• 6:19
  setting
• 6:20
  up
• 6:20
  a
• 6:20
  separate
• 6:20
  bank
• 6:21
  account.
• 6:21
  That's
• 6:21
  called
• 6:22
  emergency
• 6:22
  fund.
• 6:22
  Call
• 6:23
  it
• 6:23
  what
• 6:23
  it
• 6:23
  is.
• 6:24
  And
• 6:24
  then
• 6:24
  here's
• 6:24
  the
• 6:25
  last
• 6:25
  thing
• 6:25
  I'm
• 6:25
  going
• 6:25
  to
• 6:25
  encourage
• 6:26
  you
• 6:26
  to
• 6:26
  do
• 6:26
  is
• 6:27
  automate
• 6:28
  this.
• 6:29
  Make
• 6:29
  it
• 6:29
  happen
• 6:30
  automatically.
• 6:30
  Maybe
• 6:30
  every
• 6:31
  time
• 6:31
  you
• 6:31
  get
• 6:31
  your
• 6:31
  paycheck,
• 6:32
  just
• 6:32
  put
• 6:33
  20
• 6:33
  bucks
• 6:33
  into
• 6:33
  that
• 6:34
  emergency
• 6:34
  fund.
• 6:35
  Because
• 6:35
  here's
• 6:35
  the
• 6:36
  thing,
• 6:36
  things
• 6:37
  are
• 6:37
  going
• 6:37
  to
• 6:37
  happen.
• 6:38
  Inconvenience
• 6:39
  is
• 6:39
  going
• 6:39
  to
• 6:39
  happen
• 6:39
  in
• 6:40
  your
• 6:40
  life.
• 6:40
  I
• 6:40
  wasn't
• 6:40
  expecting
• 6:41
  that
• 6:41
  dental
• 6:41
  repair.
• 6:42
  But
• 6:43
  here's
• 6:43
  the
• 6:43
  thing.
• 6:43
  When
• 6:43
  you're
• 6:44
  prepared,
• 6:44
  when
• 6:44
  you've
• 6:45
  got
• 6:45
  that
• 6:45
  emergency
• 6:45
  fund,
• 6:46
  when
• 6:46
  you
• 6:46
  don't
• 6:46
  have
• 6:46
  to
• 6:46
  rely
• 6:47
  on
• 6:47
  debt
• 6:47
  and
• 6:47
  credit
• 6:48
  cards,
• 6:48
  that
• 6:49
  panic
• 6:49
  can
• 6:49
  disappear.
• 6:50
  How
• 6:50
  about
• 6:51
  we
• 6:51
  pray
• 6:51
  together
• 6:51
  now?
• 6:52
  Heavenly
• 6:53
  Father,
• 6:53
  we
• 6:53
  just
• 6:53
  thank
• 6:54
  you
• 6:54
  for
• 6:54
  the
• 6:54
  provision
• 6:54
  and
• 6:55
  everything
• 6:55
  you
• 6:55
  give
• 6:55
  us
• 6:55
  in
• 6:56
  our
• 6:56
  lives,
• 6:56
  Lord.
• 6:56
  And
• 6:56
  we
• 6:56
  just
• 6:57
  ask
• 6:57
  today
• 6:57
  for
• 6:58
  wisdom,
• 6:58
  Lord.
• 6:58
  We
• 6:58
  ask
• 6:59
  for
• 6:59
  discipline
• 7:00
  and
• 7:00
  we
• 7:00
  ask
• 7:00
  for
• 7:00
  your
• 7:00
  peace
• 7:01
  in
• 7:01
  our
• 7:01
  finances,
• 7:02
  Lord.
• 7:02
  We
• 7:03
  surrender
• 7:03
  all
• 7:03
  of
• 7:03
  our
• 7:04
  financial
• 7:04
  stress
• 7:05
  to
• 7:05
  you,
• 7:05
  Lord,
• 7:05
  knowing
• 7:05
  that
• 7:06
  you
• 7:06
  can
• 7:06
  handle
• 7:07
  this,
• 7:07
  Lord,
• 7:07
  we
• 7:08
  just
• 7:08
  have
• 7:08
  to
• 7:08
  give
• 7:08
  it
• 7:08
  to
• 7:08
  you.
• 7:09
  Help
• 7:09
  us
• 7:09
  to
• 7:09
  be
• 7:09
  good
• 7:10
  stewards
• 7:10
  of
• 7:10
  the
• 7:10
  resources
• 7:11
  you've
• 7:12
  given
• 7:12
  us,
• 7:12
  Lord,
• 7:12
  and
• 7:12
  as
• 7:12
  your
• 7:13
  word
• 7:13
  says,
• 7:14
  help
• 7:14
  us
• 7:14
  to
• 7:14
  be
• 7:14
  prudent,
• 7:15
  help
• 7:15
  us
• 7:15
  to
• 7:15
  plan.
• 7:16
  Help
• 7:16
  us
• 7:16
  to
• 7:17
  fund
• 7:17
  that
• 7:17
  emergency
• 7:18
  fund
• 7:18
  so
• 7:18
  we
• 7:18
  don't
• 7:19
  have
• 7:19
  to
• 7:19
  stress
• 7:19
  and
• 7:20
  have
• 7:20
  anxiety
• 7:21
  when
• 7:21
  things
• 7:21
  happen
• 7:21
  in
• 7:21
  life.
• 7:22
  And
• 7:22
  we
• 7:22
  know,
• 7:22
  Lord,
• 7:22
  you're
• 7:23
  going
• 7:23
  to
• 7:23
  take
• 7:23
  care
• 7:23
  of
• 7:23
  us,
• 7:24
  but
• 7:24
  help
• 7:25
  us
• 7:25
  to
• 7:25
  be
• 7:26
  wise
• 7:26
  in
• 7:26
  that.
• 7:26
  Help
• 7:27
  us
• 7:27
  to
• 7:27
  find
• 7:27
  peace
• 7:28
  and
• 7:28
  help
• 7:28
  us
• 7:29
  to
• 7:29
  find
• 7:29
  it
• 7:29
  in
• 7:29
  your
• 7:29
  name.
• 7:29
  We
• 7:30
  ask
• 7:30
  this
• 7:30
  in
• 7:30
  the
• 7:30
  precious
• 7:31
  name
• 7:31
  of
• 7:31
  Jesus.
• 7:32
  Amen.
• 7:33
  Your
• 7:34
  emergency
• 7:34
  fund
• 7:34
  is
• 7:35
  your
• 7:35
  peace
• 7:35
  of
• 7:35
  mind.
• 7:36
  So
• 7:36
  start
• 7:36
  building
• 7:36
  that
• 7:37
  today,
• 7:37
  no
• 7:37
  matter
• 7:37
  how
• 7:38
  small.
• 7:38
  I
• 7:39
  want
• 7:39
  to
• 7:39
  encourage
• 7:39
  you
• 7:39
  to
• 7:39
  do
• 7:39
  something
• 7:40
  for
• 7:40
  me.
• 7:40
  If
• 7:41
  you
• 7:41
  know
• 7:41
  someone
• 7:41
  else
• 7:41
  that
• 7:41
  could
• 7:42
  benefit
• 7:42
  from
• 7:42
  the
• 7:42
  show,
• 7:42
  if
• 7:43
  you
• 7:43
  know
• 7:43
  somebody
• 7:43
  else
• 7:43
  that
• 7:43
  needs
• 7:44
  to
• 7:44
  build
• 7:44
  that
• 7:44
  emergency
• 7:45
  fund,
• 7:45
  you
• 7:45
  know
• 7:45
  somebody
• 7:45
  that's
• 7:46
  always
• 7:46
  struggling
• 7:47
  with
• 7:47
  their
• 7:47
  finances,
• 7:48
  do
• 7:48
  me
• 7:48
  a
• 7:48
  favor.
• 7:49
  Just
• 7:49
  send
• 7:49
  them
• 7:49
  a
• 7:49
  link
• 7:49
  to
• 7:50
  the
• 7:50
  show.
• 7:50
  You
• 7:50
  can
• 7:50
  send
• 7:50
  them
• 7:50
  right
• 7:51
  to
• 7:51
  financially
• 7:52
  confidentchristian.com
• 7:54
  hey,
• 7:54
  share
• 7:54
  the
• 7:54
  wealth.
• 7:55
  A
• 7:55
  lot
• 7:55
  of
• 7:55
  people
• 7:55
  out
• 7:56
  there
• 7:56
  struggling,
• 7:57
  a
• 7:57
  lot
• 7:57
  of
• 7:57
  people
• 7:57
  are
• 7:58
  facing
• 7:58
  those
• 7:58
  unexpected
• 8:00
  financial
• 8:00
  challenges.
• 8:00
  Hey,
• 8:01
  we
• 8:01
  all
• 8:01
  are.
• 8:01
  But
• 8:02
  if
• 8:02
  they've
• 8:02
  got
• 8:02
  some
• 8:02
  tools,
• 8:03
  if
• 8:03
  they've
• 8:03
  got
• 8:03
  the
• 8:03
  tools
• 8:03
  that
• 8:04
  you
• 8:04
  just
• 8:04
  heard
• 8:04
  about
• 8:05
  make
• 8:05
  a
• 8:05
  huge
• 8:06
  impact
• 8:06
  on
• 8:06
  their
• 8:06
  life.
• 8:07
  And
• 8:07
  I
• 8:07
  want
• 8:07
  to
• 8:07
  do
• 8:07
  one
• 8:07
  other
• 8:07
  thing
• 8:08
  for
• 8:08
  you.
• 8:08
  I
• 8:08
  want
• 8:08
  to
• 8:08
  help
• 8:08
  you
• 8:08
  on
• 8:09
  your
• 8:09
  journey.
• 8:09
  I
• 8:10
  just
• 8:10
  finished
• 8:10
  writing
• 8:10
  my
• 8:11
  third
• 8:11
  book.
• 8:11
  It's
• 8:11
  called
• 8:12
  Becoming
• 8:12
  a
• 8:12
  Financially
• 8:13
  Confident
• 8:13
  Christian.
• 8:14
  I
• 8:14
  want
• 8:14
  to
• 8:14
  give
• 8:14
  you
• 8:14
  a
• 8:14
  copy
• 8:15
  absolutely
• 8:15
  free,
• 8:15
  no
• 8:16
  questions
• 8:16
  asked.
• 8:16
  Just
• 8:16
  go
• 8:17
  to
• 8:17
  my
• 8:17
  website.
• 8:17
  That's
• 8:18
  financially
• 8:19
  confidentchristian.com
• 8:21
  becoming
• 8:22
  you.
• 8:22
  Just
• 8:22
  put
• 8:22
  your
• 8:22
  email
• 8:23
  in
• 8:23
  there.
• 8:23
  You
• 8:23
  can
• 8:23
  get
• 8:23
  a
• 8:23
  free
• 8:24
  download
• 8:24
  of
• 8:24
  my
• 8:24
  book.
• 8:25
  It's
• 8:25
  called
• 8:25
  how
• 8:25
  to
• 8:25
  Become
• 8:26
  a
• 8:26
  Financially
• 8:26
  Confident
• 8:27
  Christian.
• 8:27
  And
• 8:27
  it's
• 8:28
  your
• 8:28
  roadmap
• 8:28
  to
• 8:28
  really
• 8:29
  get
• 8:29
  started,
• 8:30
  to
• 8:30
  break
• 8:30
  that
• 8:30
  cycle
• 8:31
  of
• 8:31
  financial
• 8:31
  shame
• 8:32
  and
• 8:32
  do
• 8:33
  it
• 8:33
  with
• 8:33
  confidence.
• 8:33
  Now
• 8:34
  I'm
• 8:34
  encourage
• 8:34
  you
• 8:34
  to
• 8:34
  join
• 8:35
  me
• 8:35
  tomorrow.
• 8:35
  We're
• 8:35
  going
• 8:35
  to
• 8:35
  talk
• 8:36
  about
• 8:36
  the
• 8:36
  debt
• 8:36
  cycle.
• 8:36
  I
• 8:36
  alluded
• 8:37
  to
• 8:37
  this
• 8:37
  a
• 8:37
  little
• 8:37
  while
• 8:37
  ago.
• 8:38
  We're
• 8:38
  going
• 8:38
  to
• 8:38
  talk
• 8:38
  about
• 8:39
  why
• 8:39
  you
• 8:39
  fall
• 8:39
  back
• 8:39
  into
• 8:40
  debt.
• 8:40
  But
• 8:41
  more
• 8:41
  importantly,
• 8:41
  here's
• 8:41
  the
• 8:41
  thing
• 8:42
  I
• 8:42
  want
• 8:42
  you
• 8:42
  to
• 8:42
  hear
• 8:42
  tomorrow.
• 8:43
  I'm
• 8:43
  going
• 8:43
  to
• 8:43
  tell
• 8:43
  you
• 8:43
  how
• 8:44
  to
• 8:44
  stop
• 8:44
  going
• 8:44
  back
• 8:45
  into
• 8:45
  debt.
• 8:46
  It's
• 8:46
  a
• 8:46
  show
• 8:46
  you
• 8:46
  don't
• 8:47
  want
• 8:47
  to
• 8:47
  miss.
• 8:47
  So
• 8:47
  I
• 8:47
  encourage
• 8:47
  you.
• 8:48
  Check
• 8:48
  it
• 8:48
  out.
• 8:48
  Tomorrow.
• 8:48
  Remember
• 8:49
  this
• 8:49
  here
• 8:50
  can
• 8:50
  do
• 8:50
  this.
• 8:51
  I
• 8:51
  believe
• 8:51
  in
• 8:51
  you.
• 8:52
  Now
• 8:52
  go
• 8:53
  be
• 8:53
  a
• 8:53
  financially
• 8:54
  confident
• 8:54
  Christian.
• 8:55
  God
• 8:55
  bless
• 8:55
  you.
• 8:56
  You
• 8:56
  have
• 8:56
  a
• 8:56
  great
• 8:56
  day
• 8:56
  today.