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Does Anyone Even Care About Our Money but Me? · Becoming Financially Confident

• 0:37
  You
• 0:37
  ever
• 0:38
  feel
• 0:38
  like
• 0:38
  you're
• 0:38
  carrying
• 0:38
  your
• 0:38
  family's
• 0:39
  entire
• 0:39
  financial
• 0:40
  future
• 0:40
  by
• 0:40
  yourself?
• 0:41
  You're
• 0:42
  the
• 0:42
  one
• 0:42
  planning
• 0:42
  the
• 0:42
  budget.
• 0:43
  You're
• 0:43
  the
• 0:43
  one
• 0:43
  thinking
• 0:44
  about
• 0:44
  the
• 0:44
  bills.
• 0:44
  You're
• 0:45
  the
• 0:45
  one
• 0:45
  trying
• 0:45
  to
• 0:46
  make
• 0:46
  progress.
• 0:47
  And
• 0:47
  meanwhile,
• 0:48
  your
• 0:48
  spouse
• 0:48
  is
• 0:49
  completely
• 0:49
  not
• 0:49
  interested.
• 0:50
  Your
• 0:50
  kids
• 0:50
  aren't
• 0:51
  even
• 0:51
  listening.
• 0:51
  And
• 0:52
  the
• 0:52
  weight
• 0:52
  of
• 0:52
  all
• 0:52
  that's
• 0:53
  sitting
• 0:53
  on
• 0:53
  your
• 0:54
  shoulders
• 0:54
  alone.
• 0:55
  I
• 0:56
  hear
• 0:56
  you.
• 0:57
  Nothing
• 0:57
  feels
• 0:57
  heavier
• 0:58
  than
• 0:58
  being
• 0:58
  the
• 0:58
  only
• 0:59
  one
• 0:59
  who's
• 0:59
  trying.
• 1:00
  But
• 1:01
  here's
• 1:01
  the
• 1:01
  truth
• 1:01
  most
• 1:01
  people
• 1:02
  miss.
• 1:03
  Money
• 1:03
  touches
• 1:04
  everyone
• 1:04
  in
• 1:04
  the
• 1:04
  house,
• 1:05
  whether
• 1:05
  you
• 1:05
  talk
• 1:06
  about
• 1:06
  it
• 1:06
  or
• 1:07
  you
• 1:07
  don't.
• 1:08
  And
• 1:08
  unity.
• 1:08
  Hey,
• 1:09
  unity
• 1:09
  beats
• 1:09
  a
• 1:09
  perfect
• 1:10
  plan
• 1:10
  every
• 1:10
  single
• 1:11
  time.
• 1:11
  But
• 1:11
  here's
• 1:12
  the
• 1:12
  good
• 1:12
  news.
• 1:12
  Your
• 1:13
  family
• 1:13
  doesn't
• 1:13
  have
• 1:13
  to
• 1:13
  be
• 1:14
  perfectly
• 1:14
  aligned.
• 1:15
  They
• 1:15
  just
• 1:15
  need
• 1:15
  to
• 1:16
  be
• 1:16
  invited.
• 1:16
  Let's
• 1:17
  talk
• 1:17
  about
• 1:17
  how
• 1:17
  to
• 1:17
  do
• 1:18
  that
• 1:18
  gently,
• 1:19
  wisely,
• 1:19
  and
• 1:20
  most
• 1:20
  importantly,
• 1:21
  how
• 1:21
  to
• 1:21
  do
• 1:21
  it
• 1:21
  effectively.
• 1:22
  That's
• 1:22
  what
• 1:22
  I'm
• 1:22
  going
• 1:22
  to
• 1:22
  cover
• 1:23
  on
• 1:23
  today's
• 1:23
  show.
• 1:44
  Welcome
• 1:45
  to
• 1:45
  the
• 1:45
  show.
• 1:45
  I'm
• 1:45
  Ralph.
• 1:46
  Thank
• 1:46
  you
• 1:46
  so
• 1:46
  much
• 1:46
  for
• 1:47
  joining
• 1:47
  me
• 1:47
  as
• 1:47
  we
• 1:48
  continue
• 1:48
  our
• 1:48
  journey
• 1:49
  to
• 1:49
  help
• 1:49
  you
• 1:49
  break
• 1:49
  that
• 1:50
  cycle
• 1:50
  of
• 1:50
  financial
• 1:51
  shame
• 1:52
  and
• 1:52
  do
• 1:52
  it
• 1:52
  with
• 1:52
  confidence.
• 1:53
  And
• 1:53
  a
• 1:53
  listener
• 1:54
  asked
• 1:54
  me,
• 1:54
  say,
• 1:54
  ralph,
• 1:55
  I'm
• 1:55
  trying
• 1:55
  to
• 1:55
  make
• 1:55
  progress,
• 1:56
  but
• 1:56
  I'm
• 1:56
  doing
• 1:57
  it
• 1:57
  all
• 1:57
  alone.
• 1:58
  My
• 1:58
  spouse
• 1:58
  isn't.
• 1:59
  My
• 1:59
  spouse
• 1:59
  doesn't
• 2:00
  care.
• 2:00
  My
• 2:00
  kids
• 2:00
  don't
• 2:01
  care.
• 2:01
  How
• 2:01
  do
• 2:01
  we
• 2:02
  actually
• 2:02
  get
• 2:02
  on
• 2:02
  the
• 2:03
  same
• 2:03
  page?
• 2:04
  Listen,
• 2:04
  I've
• 2:04
  been
• 2:05
  there.
• 2:06
  And
• 2:06
  friend,
• 2:07
  if
• 2:07
  you're
• 2:07
  feeling
• 2:07
  the
• 2:07
  same
• 2:08
  way,
• 2:08
  you're
• 2:09
  not
• 2:09
  failing.
• 2:09
  You're
• 2:10
  just
• 2:10
  exhausted.
• 2:11
  Marriage
• 2:12
  counselors
• 2:12
  will
• 2:13
  tell
• 2:13
  you
• 2:13
  this.
• 2:13
  Money
• 2:14
  conflict
• 2:14
  is
• 2:15
  one
• 2:15
  of
• 2:15
  the
• 2:15
  biggest
• 2:15
  stressors
• 2:16
  in
• 2:16
  the
• 2:16
  home.
• 2:17
  I've
• 2:18
  seen
• 2:18
  it
• 2:18
  in
• 2:18
  my
• 2:18
  own
• 2:18
  life,
• 2:19
  in
• 2:19
  my
• 2:19
  own
• 2:19
  practice.
• 2:20
  Money
• 2:20
  is
• 2:20
  one
• 2:20
  of
• 2:20
  the
• 2:20
  things
• 2:21
  that
• 2:21
  destroys
• 2:21
  relationships.
• 2:23
  But
• 2:23
  let's
• 2:24
  get
• 2:24
  into
• 2:24
  scripture
• 2:25
  right
• 2:25
  off
• 2:25
  the
• 2:25
  jump
• 2:25
  here.
• 2:26
  Scripture,
• 2:26
  remind
• 2:26
  us
• 2:27
  in
• 2:27
  the
• 2:27
  book
• 2:27
  of
• 2:27
  Amos,
• 2:28
  three,
• 2:28
  three
• 2:28
  do
• 2:29
  two
• 2:29
  walk
• 2:29
  together
• 2:30
  unless
• 2:30
  they
• 2:30
  have
• 2:30
  agreed
• 2:31
  to
• 2:31
  do
• 2:31
  so.
• 2:33
  I
• 2:33
  love
• 2:33
  that
• 2:33
  verse.
• 2:35
  When
• 2:35
  a
• 2:35
  family
• 2:35
  doesn't
• 2:36
  agree,
• 2:37
  one
• 2:37
  person
• 2:37
  ends
• 2:38
  up
• 2:38
  dragging
• 2:38
  the
• 2:38
  weight
• 2:39
  alone.
• 2:39
  You
• 2:39
  might
• 2:39
  be
• 2:39
  that
• 2:40
  person
• 2:40
  right
• 2:40
  now.
• 2:41
  That
• 2:42
  person
• 2:42
  often
• 2:42
  is
• 2:43
  you,
• 2:44
  but
• 2:44
  doesn't
• 2:44
  have
• 2:45
  to
• 2:45
  stay
• 2:45
  that
• 2:45
  way.
• 2:46
  And
• 2:46
  for
• 2:47
  decades,
• 2:47
  I've
• 2:47
  helped
• 2:47
  families
• 2:48
  rebuild
• 2:48
  unity
• 2:49
  around
• 2:49
  money.
• 2:49
  Here's
• 2:50
  what
• 2:50
  I've
• 2:50
  seen.
• 2:51
  Unity
• 2:52
  comes
• 2:52
  through
• 2:52
  gentleness,
• 2:53
  not
• 2:53
  pressure.
• 2:53
  If
• 2:54
  you
• 2:54
  think
• 2:54
  you're
• 2:54
  going
• 2:54
  to
• 2:54
  pressure
• 2:55
  somebody
• 2:55
  into
• 2:55
  it,
• 2:55
  listen
• 2:56
  to
• 2:56
  the
• 2:56
  rest
• 2:56
  of
• 2:56
  the
• 2:56
  episode.
• 2:57
  Because
• 2:57
  it's
• 2:57
  not
• 2:57
  going
• 2:57
  to
• 2:57
  work.
• 2:58
  And
• 2:58
  your
• 2:59
  kids,
• 2:59
  they
• 3:00
  thrive
• 3:00
  when
• 3:00
  they're
• 3:00
  included,
• 3:01
  not
• 3:01
  when
• 3:02
  they're
• 3:02
  lectured.
• 3:02
  Man,
• 3:02
  I've
• 3:03
  learned
• 3:03
  that
• 3:03
  with
• 3:03
  my
• 3:03
  teenage
• 3:04
  now.
• 3:04
  My
• 3:04
  kids
• 3:04
  are
• 3:04
  in
• 3:04
  their
• 3:05
  20s
• 3:05
  now.
• 3:05
  But
• 3:05
  man,
• 3:06
  lecturing
• 3:06
  isn't
• 3:06
  going
• 3:07
  to
• 3:07
  work.
• 3:08
  Nothing.
• 3:08
  I've
• 3:09
  learned
• 3:09
  those
• 3:09
  small
• 3:09
  rhythms,
• 3:10
  that
• 3:10
  gentle
• 3:11
  beat
• 3:12
  Will
• 3:12
  beat
• 3:12
  those
• 3:12
  big
• 3:13
  rules
• 3:13
  every
• 3:13
  day.
• 3:13
  And
• 3:14
  listen,
• 3:14
  the
• 3:14
  home
• 3:14
  becomes
• 3:15
  calmer
• 3:15
  when
• 3:16
  everyone
• 3:16
  participates,
• 3:17
  even
• 3:17
  if
• 3:18
  it's
• 3:18
  just
• 3:18
  a
• 3:18
  little.
• 3:20
  You
• 3:20
  don't
• 3:20
  need
• 3:20
  a
• 3:21
  perfect
• 3:21
  family.
• 3:22
  You
• 3:22
  just
• 3:22
  need
• 3:22
  a
• 3:23
  willing
• 3:23
  family.
• 3:24
  And
• 3:25
  that
• 3:25
  willingness
• 3:25
  will
• 3:25
  grow
• 3:26
  when
• 3:26
  it's
• 3:26
  nurtured,
• 3:27
  not
• 3:27
  when
• 3:27
  it's
• 3:27
  demanded.
• 3:28
  See,
• 3:28
  that's
• 3:28
  the
• 3:28
  thing
• 3:28
  a
• 3:28
  lot
• 3:28
  of
• 3:29
  people
• 3:29
  don't
• 3:29
  understand.
• 3:29
  When
• 3:30
  you
• 3:30
  demand
• 3:30
  it,
• 3:30
  it's
• 3:31
  not
• 3:31
  going
• 3:31
  to
• 3:31
  grow.
• 3:32
  There's
• 3:32
  one
• 3:32
  family
• 3:33
  I'll
• 3:33
  never
• 3:33
  forget.
• 3:34
  They
• 3:34
  wanted
• 3:35
  to
• 3:35
  make
• 3:35
  this
• 3:35
  change.
• 3:35
  They
• 3:36
  wanted
• 3:36
  to
• 3:36
  change
• 3:36
  this
• 3:36
  dynamic.
• 3:37
  They
• 3:37
  started
• 3:37
  something
• 3:38
  they
• 3:38
  called
• 3:38
  the
• 3:38
  money
• 3:39
  huddle.
• 3:40
  I
• 3:40
  love
• 3:40
  this
• 3:40
  idea.
• 3:41
  This
• 3:41
  is
• 3:41
  20
• 3:41
  minutes
• 3:41
  a
• 3:42
  month
• 3:42
  every
• 3:43
  person
• 3:43
  shares.
• 3:43
  One
• 3:44
  win
• 3:44
  and
• 3:44
  one
• 3:44
  goal
• 3:45
  for
• 3:45
  the
• 3:45
  month.
• 3:45
  No
• 3:45
  lectures,
• 3:46
  no
• 3:46
  blaming,
• 3:47
  just
• 3:47
  sharing
• 3:48
  and
• 3:48
  listening.
• 3:49
  Did
• 3:49
  you
• 3:49
  hear
• 3:49
  what
• 3:49
  I
• 3:49
  just
• 3:49
  said?
• 3:51
  No
• 3:51
  lectures,
• 3:52
  no
• 3:53
  finger
• 3:53
  pointing,
• 3:53
  no
• 3:53
  blaming.
• 3:54
  Just
• 3:54
  sharing
• 3:55
  and
• 3:55
  listening.
• 3:56
  That's
• 3:57
  what
• 3:57
  they
• 3:57
  did.
• 3:57
  That
• 3:57
  money
• 3:57
  huddle.
• 3:58
  You
• 3:58
  know
• 3:58
  what
• 3:58
  happened?
• 3:59
  It
• 4:00
  wasn't
• 4:00
  magic.
• 4:01
  It
• 4:01
  took
• 4:01
  a
• 4:01
  little
• 4:01
  time.
• 4:02
  But
• 4:02
  arguments
• 4:02
  dropped.
• 4:04
  Empathy
• 4:04
  rose.
• 4:04
  They
• 4:05
  understood
• 4:05
  each
• 4:05
  other.
• 4:06
  Teamwork
• 4:06
  became
• 4:07
  the
• 4:07
  default
• 4:08
  and
• 4:08
  the
• 4:09
  progress
• 4:09
  that
• 4:09
  they
• 4:09
  wanted
• 4:10
  to
• 4:10
  get
• 4:10
  finally
• 4:11
  stuck.
• 4:12
  That
• 4:13
  transformation
• 4:13
  didn't
• 4:14
  come
• 4:14
  from
• 4:14
  rules.
• 4:16
  It
• 4:16
  came
• 4:16
  from
• 4:16
  rhythm.
• 4:18
  So
• 4:18
  here's
• 4:18
  the
• 4:18
  real
• 4:19
  question
• 4:19
  for
• 4:19
  today.
• 4:19
  How
• 4:20
  do
• 4:20
  you
• 4:20
  move
• 4:20
  from
• 4:20
  carrying
• 4:20
  a
• 4:21
  whole
• 4:21
  load
• 4:21
  alone
• 4:21
  to
• 4:22
  walking
• 4:22
  together
• 4:22
  in
• 4:23
  peace,
• 4:23
  in
• 4:24
  unity,
• 4:24
  and
• 4:24
  in
• 4:25
  shared
• 4:25
  responsibility
• 4:26
  as
• 4:26
  a
• 4:26
  family?
• 4:26
  Let
• 4:27
  me
• 4:27
  break
• 4:27
  it
• 4:27
  down
• 4:27
  for
• 4:27
  you.
• 4:28
  Here
• 4:28
  are
• 4:28
  what
• 4:28
  I
• 4:28
  call
• 4:29
  the
• 4:29
  four
• 4:29
  family
• 4:30
  unity
• 4:30
  builders.
• 4:31
  Number
• 4:32
  one,
• 4:33
  I
• 4:33
  love
• 4:33
  what
• 4:33
  this
• 4:33
  client
• 4:34
  did.
• 4:34
  Schedule
• 4:35
  a
• 4:35
  family
• 4:35
  money
• 4:35
  meeting.
• 4:37
  Unity
• 4:37
  is
• 4:37
  never
• 4:37
  going
• 4:38
  to
• 4:38
  happen
• 4:38
  by
• 4:38
  accident.
• 4:39
  It
• 4:40
  happens
• 4:40
  when
• 4:40
  you
• 4:40
  create
• 4:41
  space
• 4:41
  for
• 4:41
  it.
• 4:42
  So.
• 4:42
  So
• 4:42
  here's
• 4:42
  my
• 4:42
  goals
• 4:43
  for
• 4:43
  that.
• 4:43
  Keep
• 4:43
  it
• 4:43
  short.
• 4:44
  Listen,
• 4:44
  this
• 4:44
  is
• 4:44
  not
• 4:44
  a
• 4:45
  two
• 4:45
  hour
• 4:45
  discussion.
• 4:46
  15
• 4:47
  to
• 4:47
  20
• 4:47
  minutes
• 4:47
  at
• 4:48
  the
• 4:48
  most.
• 4:49
  Start
• 4:49
  there.
• 4:50
  Keep
• 4:50
  it
• 4:50
  safe.
• 4:51
  Like
• 4:51
  I
• 4:51
  said,
• 4:51
  no
• 4:51
  blaming,
• 4:52
  no
• 4:52
  shaming,
• 4:53
  no
• 4:53
  lecturing,
• 4:54
  no
• 4:54
  finger
• 4:55
  pointing.
• 4:55
  No.
• 4:55
  I
• 4:56
  can't
• 4:56
  believe
• 4:56
  you
• 4:56
  did
• 4:56
  that.
• 4:56
  That's
• 4:57
  not
• 4:57
  going
• 4:57
  to
• 4:57
  work.
• 4:58
  You
• 4:58
  got
• 4:58
  to
• 4:59
  make
• 4:59
  it
• 4:59
  safe.
• 4:59
  You
• 4:59
  got
• 4:59
  to
• 4:59
  make
• 5:00
  it
• 5:00
  inviting.
• 5:00
  Keep
• 5:01
  it
• 5:01
  consistent.
• 5:01
  That's
• 5:02
  another
• 5:02
  thing
• 5:02
  a
• 5:02
  lot
• 5:02
  of
• 5:02
  people
• 5:02
  say,
• 5:03
  well,
• 5:03
  I'm
• 5:03
  going
• 5:03
  to
• 5:03
  have
• 5:03
  this
• 5:03
  meeting,
• 5:04
  Ralph.
• 5:04
  They
• 5:04
  do
• 5:04
  it
• 5:04
  one
• 5:05
  time
• 5:05
  and
• 5:05
  then
• 5:05
  they
• 5:05
  never
• 5:05
  do
• 5:05
  it
• 5:06
  again.
• 5:06
  They
• 5:06
  wonder
• 5:06
  why
• 5:06
  nobody's
• 5:07
  on
• 5:07
  the
• 5:07
  same
• 5:07
  page.
• 5:07
  Well,
• 5:07
  we
• 5:08
  forgot
• 5:08
  to
• 5:08
  meet.
• 5:09
  Set
• 5:09
  some
• 5:10
  consistency
• 5:10
  up.
• 5:10
  At
• 5:11
  least
• 5:11
  once
• 5:11
  a
• 5:11
  month,
• 5:11
  maybe
• 5:12
  even
• 5:12
  once
• 5:12
  a
• 5:13
  week.
• 5:13
  But
• 5:13
  make
• 5:13
  it
• 5:13
  shorter.
• 5:15
  And
• 5:15
  like
• 5:15
  I
• 5:15
  said
• 5:15
  earlier,
• 5:16
  keep
• 5:16
  it
• 5:16
  simple.
• 5:16
  Just
• 5:17
  one
• 5:17
  win
• 5:17
  and
• 5:17
  one
• 5:18
  goal.
• 5:18
  Because
• 5:18
  if
• 5:19
  you
• 5:19
  have
• 5:19
  this
• 5:19
  laundry
• 5:19
  list
• 5:20
  of
• 5:20
  stuff,
• 5:20
  people
• 5:20
  are
• 5:20
  going
• 5:20
  to
• 5:21
  zone
• 5:21
  out.
• 5:22
  That
• 5:23
  meeting
• 5:23
  creates
• 5:23
  a
• 5:24
  container.
• 5:25
  And
• 5:25
  I
• 5:25
  just
• 5:25
  want
• 5:25
  you
• 5:25
  to
• 5:26
  envision
• 5:26
  this
• 5:26
  right
• 5:26
  now.
• 5:26
  Without
• 5:27
  that
• 5:27
  container,
• 5:28
  conversations
• 5:28
  feel
• 5:29
  chaotic,
• 5:29
  intense.
• 5:31
  But
• 5:31
  this
• 5:31
  one
• 5:31
  habit
• 5:32
  can
• 5:32
  change
• 5:32
  the
• 5:32
  atmosphere
• 5:33
  of
• 5:33
  your
• 5:33
  home.
• 5:34
  So
• 5:34
  that's
• 5:34
  the
• 5:34
  first
• 5:34
  Thing.
• 5:34
  Second
• 5:35
  thing,
• 5:36
  you
• 5:36
  gotta
• 5:36
  share
• 5:36
  vision,
• 5:37
  not
• 5:37
  just
• 5:38
  rules.
• 5:39
  I
• 5:39
  don't
• 5:40
  know
• 5:40
  about
• 5:40
  you,
• 5:40
  but
• 5:40
  when
• 5:40
  somebody
• 5:41
  says
• 5:41
  to
• 5:41
  me
• 5:41
  there's
• 5:41
  rules,
• 5:42
  what
• 5:42
  does
• 5:42
  that
• 5:42
  feel
• 5:42
  like?
• 5:42
  It
• 5:43
  feels
• 5:43
  like
• 5:43
  control.
• 5:44
  You
• 5:44
  want
• 5:44
  to
• 5:44
  control
• 5:45
  me?
• 5:45
  We're
• 5:45
  going
• 5:45
  to
• 5:45
  battle.
• 5:47
  But
• 5:47
  if
• 5:47
  you
• 5:48
  can
• 5:48
  share
• 5:48
  with
• 5:48
  me
• 5:48
  a
• 5:48
  vision,
• 5:50
  here's
• 5:50
  what
• 5:50
  I
• 5:51
  want
• 5:51
  to
• 5:51
  see
• 5:51
  us
• 5:51
  get
• 5:52
  to.
• 5:52
  Here's
• 5:52
  what
• 5:52
  we
• 5:52
  want
• 5:53
  to
• 5:53
  do
• 5:53
  as
• 5:53
  a
• 5:53
  family,
• 5:53
  here's
• 5:54
  what
• 5:54
  we
• 5:54
  want
• 5:54
  to
• 5:54
  do
• 5:54
  as
• 5:54
  a
• 5:54
  couple.
• 5:55
  That
• 5:56
  vision
• 5:56
  feels
• 5:56
  like
• 5:57
  an
• 5:57
  invitation.
• 5:57
  It's
• 5:57
  like,
• 5:58
  ralph,
• 5:58
  I
• 5:58
  want
• 5:58
  you
• 5:58
  to
• 5:58
  come
• 5:58
  in
• 5:58
  and
• 5:59
  join
• 5:59
  me
• 5:59
  in
• 5:59
  this.
• 6:01
  So
• 6:01
  speak
• 6:01
  in
• 6:02
  terms
• 6:02
  of
• 6:02
  the
• 6:02
  peace
• 6:03
  that
• 6:03
  you're
• 6:03
  going
• 6:03
  to
• 6:03
  feel.
• 6:03
  Speak
• 6:04
  in
• 6:04
  terms
• 6:04
  of
• 6:04
  the
• 6:05
  freedom
• 6:05
  that
• 6:05
  you
• 6:05
  can
• 6:05
  see.
• 6:06
  Speak
• 6:06
  in
• 6:06
  terms
• 6:06
  of
• 6:07
  generosity
• 6:09
  and
• 6:09
  tie
• 6:09
  that
• 6:09
  all
• 6:10
  into
• 6:10
  your
• 6:10
  family
• 6:10
  value.
• 6:11
  Say
• 6:11
  things
• 6:11
  like
• 6:11
  this,
• 6:12
  here's
• 6:12
  what
• 6:13
  we're
• 6:13
  working
• 6:13
  towards
• 6:13
  as
• 6:14
  a
• 6:14
  family.
• 6:16
  Because
• 6:17
  when
• 6:17
  people
• 6:17
  understand
• 6:18
  the
• 6:18
  why,
• 6:19
  they're
• 6:20
  finally
• 6:20
  willing
• 6:20
  to
• 6:21
  support
• 6:21
  the
• 6:21
  how.
• 6:21
  Because
• 6:22
  that's
• 6:22
  what
• 6:22
  you
• 6:22
  got
• 6:22
  to
• 6:22
  do.
• 6:22
  You
• 6:22
  got
• 6:23
  to
• 6:23
  change
• 6:23
  a
• 6:23
  dynamic.
• 6:23
  They
• 6:24
  need
• 6:24
  to
• 6:24
  understand
• 6:24
  the
• 6:25
  why
• 6:25
  and
• 6:25
  then
• 6:25
  they're
• 6:26
  going
• 6:26
  to
• 6:26
  support
• 6:26
  the
• 6:26
  how
• 6:26
  you
• 6:26
  do
• 6:26
  it.
• 6:27
  Number
• 6:27
  three
• 6:27
  thing,
• 6:28
  involve
• 6:29
  the
• 6:29
  children
• 6:29
  in
• 6:30
  small
• 6:30
  stewardship
• 6:32
  if
• 6:32
  you
• 6:32
  haven't
• 6:32
  learned
• 6:33
  it
• 6:33
  already.
• 6:33
  It
• 6:33
  took
• 6:33
  me
• 6:34
  a
• 6:34
  long
• 6:34
  time
• 6:34
  beating
• 6:34
  my
• 6:34
  head
• 6:35
  against
• 6:35
  the
• 6:35
  wall.
• 6:35
  Kids
• 6:36
  don't
• 6:36
  learn
• 6:36
  through
• 6:36
  lectures.
• 6:37
  I
• 6:37
  tried
• 6:37
  that
• 6:37
  so
• 6:38
  many
• 6:38
  times
• 6:38
  with
• 6:38
  my
• 6:38
  kids.
• 6:39
  I
• 6:39
  lectured
• 6:39
  them.
• 6:40
  I
• 6:40
  should
• 6:40
  have
• 6:40
  been
• 6:40
  a
• 6:40
  college
• 6:41
  level
• 6:41
  professor
• 6:41
  with
• 6:41
  the
• 6:42
  amount
• 6:42
  of
• 6:42
  lecturing
• 6:42
  I
• 6:42
  was
• 6:43
  doing.
• 6:43
  But
• 6:44
  they
• 6:44
  weren't
• 6:44
  hearing
• 6:44
  me.
• 6:46
  But
• 6:46
  what
• 6:46
  they
• 6:46
  do
• 6:46
  hear
• 6:47
  through
• 6:47
  is
• 6:47
  experience.
• 6:50
  Try
• 6:50
  these
• 6:50
  simple
• 6:51
  things,
• 6:51
  simple
• 6:51
  chores.
• 6:51
  Give
• 6:52
  them
• 6:52
  a
• 6:52
  simple
• 6:52
  allowance
• 6:53
  when
• 6:53
  they
• 6:53
  do
• 6:53
  it.
• 6:53
  Teach
• 6:53
  them
• 6:54
  the
• 6:54
  three
• 6:54
  jar
• 6:54
  method,
• 6:55
  give,
• 6:55
  save
• 6:55
  and
• 6:56
  spend.
• 6:57
  Let
• 6:57
  them
• 6:57
  make
• 6:58
  choices,
• 6:58
  but
• 6:58
  at
• 6:59
  the
• 6:59
  same
• 6:59
  time
• 6:59
  let
• 7:00
  them
• 7:00
  make
• 7:00
  mistakes.
• 7:00
  So
• 7:01
  many
• 7:01
  parents
• 7:01
  don't
• 7:01
  understand
• 7:01
  that
• 7:02
  you
• 7:02
  got
• 7:02
  to
• 7:02
  let
• 7:02
  your
• 7:03
  children
• 7:03
  make
• 7:03
  small
• 7:04
  mistakes.
• 7:05
  Those
• 7:05
  small
• 7:06
  mistakes
• 7:06
  will
• 7:07
  be
• 7:07
  found
• 7:07
  fundamental
• 7:08
  in
• 7:08
  making
• 7:09
  better
• 7:09
  decisions
• 7:10
  later.
• 7:11
  And
• 7:12
  parents
• 7:12
  listen.
• 7:12
  And
• 7:12
  I'm
• 7:12
  talking
• 7:13
  to
• 7:13
  myself
• 7:13
  right
• 7:13
  now.
• 7:13
  Celebrate
• 7:14
  that
• 7:14
  wisdom.
• 7:15
  Don't
• 7:15
  shame
• 7:15
  them
• 7:16
  when
• 7:16
  they
• 7:16
  make
• 7:16
  mistakes.
• 7:16
  When
• 7:17
  they
• 7:17
  make
• 7:17
  errors,
• 7:17
  they're
• 7:17
  going
• 7:17
  to
• 7:18
  make
• 7:18
  mistakes.
• 7:18
  They're
• 7:19
  going
• 7:19
  to
• 7:19
  make
• 7:19
  errors.
• 7:21
  Because
• 7:21
  here's
• 7:21
  the
• 7:22
  thing
• 7:22
  I
• 7:22
  will
• 7:22
  tell
• 7:22
  you,
• 7:22
  being
• 7:22
  30
• 7:23
  years
• 7:23
  in
• 7:23
  practice,
• 7:23
  when
• 7:24
  kids
• 7:24
  learn
• 7:24
  stewardship
• 7:25
  early,
• 7:25
  they
• 7:25
  grow
• 7:26
  into
• 7:26
  adults
• 7:26
  who
• 7:26
  are
• 7:27
  make
• 7:27
  wise
• 7:27
  decisions
• 7:28
  naturally.
• 7:29
  And
• 7:29
  see,
• 7:29
  that's
• 7:29
  the
• 7:29
  outcome
• 7:30
  that
• 7:30
  you
• 7:30
  want.
• 7:31
  That
• 7:31
  lecture
• 7:32
  is
• 7:32
  never
• 7:32
  going
• 7:32
  to
• 7:32
  do
• 7:32
  it.
• 7:32
  But
• 7:33
  when
• 7:33
  you
• 7:33
  teach
• 7:33
  them
• 7:33
  the
• 7:34
  fundamentals,
• 7:35
  over
• 7:35
  time,
• 7:35
  you
• 7:36
  encourage
• 7:36
  them,
• 7:37
  you
• 7:37
  teach
• 7:37
  them
• 7:37
  how
• 7:38
  to
• 7:38
  do
• 7:38
  it,
• 7:38
  they
• 7:38
  make
• 7:38
  wise
• 7:39
  decisions
• 7:39
  and
• 7:39
  they
• 7:40
  come
• 7:40
  naturally.
• 7:40
  And
• 7:41
  last
• 7:41
  but
• 7:41
  not
• 7:41
  least,
• 7:42
  write
• 7:42
  agreements
• 7:42
  down
• 7:43
  and
• 7:43
  review
• 7:43
  monthly.
• 7:44
  Now,
• 7:44
  I'm
• 7:44
  not
• 7:44
  saying
• 7:44
  go
• 7:44
  write
• 7:45
  a
• 7:45
  fundamental
• 7:46
  contract.
• 7:46
  That's
• 7:46
  not
• 7:46
  what
• 7:47
  I'm
• 7:47
  Saying,
• 7:48
  but
• 7:48
  you
• 7:49
  got
• 7:49
  to
• 7:49
  have
• 7:49
  clarity.
• 7:49
  If
• 7:50
  you
• 7:50
  have
• 7:50
  clarity,
• 7:50
  it
• 7:51
  prevents
• 7:51
  conflict
• 7:51
  down
• 7:52
  the
• 7:52
  road.
• 7:52
  So
• 7:52
  here's
• 7:53
  what.
• 7:53
  And
• 7:53
  it
• 7:53
  doesn't
• 7:53
  have
• 7:53
  to
• 7:54
  be
• 7:54
  this
• 7:54
  big
• 7:54
  long
• 7:54
  dissertation.
• 7:55
  Just
• 7:55
  write
• 7:56
  down
• 7:56
  your
• 7:56
  top
• 7:56
  three
• 7:57
  monthly
• 7:57
  priorities.
• 7:58
  Maybe
• 7:59
  for
• 7:59
  you,
• 7:59
  that's
• 7:59
  giving.
• 8:00
  You
• 8:00
  want
• 8:01
  to
• 8:01
  make
• 8:01
  sure
• 8:01
  as
• 8:01
  a
• 8:01
  family,
• 8:02
  you're
• 8:02
  giving.
• 8:02
  It
• 8:02
  doesn't
• 8:03
  have
• 8:03
  to
• 8:03
  be
• 8:03
  money.
• 8:03
  It
• 8:03
  can
• 8:03
  be
• 8:04
  time.
• 8:04
  It
• 8:04
  could
• 8:04
  be
• 8:05
  other
• 8:05
  things.
• 8:05
  Maybe
• 8:06
  for
• 8:06
  you,
• 8:06
  it's
• 8:06
  saving.
• 8:06
  You
• 8:06
  as
• 8:07
  a
• 8:07
  family
• 8:07
  you
• 8:07
  want
• 8:07
  to
• 8:07
  save.
• 8:09
  Write
• 8:09
  those
• 8:09
  priorities
• 8:10
  down.
• 8:10
  Write
• 8:10
  those
• 8:10
  goals
• 8:11
  down.
• 8:12
  Maybe
• 8:12
  for
• 8:12
  you,
• 8:12
  as
• 8:13
  a
• 8:13
  family,
• 8:13
  you're
• 8:13
  in
• 8:14
  this.
• 8:14
  I
• 8:14
  need
• 8:14
  to
• 8:14
  live
• 8:15
  in
• 8:15
  the
• 8:15
  need
• 8:15
  season
• 8:16
  right
• 8:16
  now.
• 8:16
  But.
• 8:17
  But
• 8:17
  I.
• 8:17
  But
• 8:17
  I
• 8:17
  want
• 8:17
  these
• 8:17
  things,
• 8:18
  but
• 8:18
  I
• 8:18
  got
• 8:18
  to
• 8:18
  live
• 8:18
  in
• 8:18
  the
• 8:18
  need
• 8:18
  season.
• 8:19
  Maybe
• 8:19
  for
• 8:19
  you
• 8:19
  it's
• 8:19
  spending
• 8:20
  limits,
• 8:21
  but
• 8:21
  when
• 8:21
  you
• 8:21
  put
• 8:22
  these
• 8:22
  things
• 8:22
  in
• 8:22
  writing,
• 8:22
  nobody's
• 8:23
  guessing
• 8:23
  anymore.
• 8:25
  Nobody
• 8:25
  can
• 8:25
  say,
• 8:25
  oh,
• 8:26
  I
• 8:26
  didn't
• 8:26
  know
• 8:26
  that.
• 8:27
  That
• 8:27
  is
• 8:28
  so.
• 8:28
  I've
• 8:28
  seen
• 8:28
  that
• 8:28
  happen
• 8:29
  so
• 8:29
  many
• 8:29
  times.
• 8:29
  When
• 8:29
  I
• 8:29
  do
• 8:30
  some
• 8:30
  couples,
• 8:30
  I'll
• 8:30
  call
• 8:30
  it
• 8:31
  couples
• 8:31
  counseling.
• 8:32
  It's
• 8:32
  kind
• 8:32
  of
• 8:32
  like
• 8:32
  couples
• 8:33
  financial
• 8:33
  counseling.
• 8:34
  They
• 8:34
  didn't
• 8:34
  write
• 8:34
  it
• 8:34
  down.
• 8:35
  The
• 8:35
  other
• 8:35
  couple,
• 8:35
  the
• 8:35
  other
• 8:36
  partner
• 8:36
  will
• 8:36
  say,
• 8:36
  well,
• 8:36
  I
• 8:36
  didn't
• 8:37
  know
• 8:37
  that.
• 8:38
  Write
• 8:38
  it
• 8:38
  down.
• 8:38
  Because
• 8:39
  that
• 8:39
  documented
• 8:40
  agreement
• 8:40
  will
• 8:40
  build
• 8:40
  trust
• 8:41
  and
• 8:41
  eliminates
• 8:42
  resentment
• 8:42
  before
• 8:43
  it
• 8:43
  even
• 8:43
  forms.
• 8:43
  You
• 8:44
  don't
• 8:44
  want
• 8:44
  resentment
• 8:44
  in
• 8:44
  this.
• 8:44
  If
• 8:45
  you
• 8:45
  have
• 8:45
  resentment,
• 8:46
  stop
• 8:46
  what
• 8:46
  you're
• 8:46
  doing
• 8:47
  and
• 8:47
  start
• 8:47
  over
• 8:47
  again,
• 8:47
  because
• 8:47
  it's
• 8:48
  not
• 8:48
  going
• 8:48
  to
• 8:48
  work.
• 8:49
  Look
• 8:50
  at
• 8:50
  the
• 8:50
  book
• 8:50
  of
• 8:50
  Psalms
• 8:51
  133,
• 8:52
  verse
• 8:52
  1.
• 8:52
  How
• 8:53
  good
• 8:53
  and
• 8:53
  pleasant
• 8:53
  it
• 8:54
  is
• 8:54
  when
• 8:54
  God's
• 8:55
  people
• 8:55
  live
• 8:55
  together
• 8:56
  in
• 8:56
  unity.
• 8:58
  I
• 8:58
  just
• 8:58
  love
• 8:58
  that.
• 8:59
  Good
• 9:00
  and
• 9:00
  pleasant
• 9:01
  when
• 9:01
  God's
• 9:01
  people
• 9:02
  live
• 9:02
  together
• 9:02
  in
• 9:02
  unity.
• 9:04
  What
• 9:04
  is
• 9:04
  the
• 9:05
  Lord
• 9:05
  telling
• 9:05
  us?
• 9:05
  Unity
• 9:06
  isn't
• 9:06
  just
• 9:06
  practical,
• 9:07
  it's
• 9:07
  deeply
• 9:08
  spiritual.
• 9:09
  That's
• 9:09
  the
• 9:09
  goal.
• 9:10
  So,
• 9:11
  Lord,
• 9:11
  how
• 9:11
  about
• 9:11
  we
• 9:11
  pray
• 9:12
  right
• 9:12
  now?
• 9:12
  Lord,
• 9:12
  give
• 9:12
  me
• 9:13
  humility
• 9:13
  to
• 9:13
  listen,
• 9:14
  not
• 9:14
  just
• 9:15
  lead.
• 9:17
  Lord,
• 9:17
  give
• 9:17
  me
• 9:17
  patience
• 9:18
  as
• 9:18
  I
• 9:18
  teach
• 9:18
  and
• 9:19
  model
• 9:19
  stewardship
• 9:20
  to
• 9:20
  my
• 9:20
  family.
• 9:21
  Lord,
• 9:21
  I
• 9:21
  just
• 9:21
  ask
• 9:21
  that
• 9:22
  you
• 9:22
  would
• 9:22
  draw
• 9:22
  our
• 9:22
  family
• 9:22
  together
• 9:23
  in
• 9:23
  unity
• 9:23
  and
• 9:24
  understanding.
• 9:25
  And
• 9:25
  I
• 9:25
  ask
• 9:25
  this
• 9:26
  in
• 9:26
  the
• 9:26
  name
• 9:26
  of
• 9:26
  Jesus.
• 9:27
  Amen.
• 9:28
  Okay,
• 9:29
  here's
• 9:29
  what
• 9:29
  I
• 9:29
  want
• 9:29
  you
• 9:29
  to
• 9:29
  do
• 9:30
  before
• 9:30
  January
• 9:31
  1st,
• 9:31
  get
• 9:31
  your
• 9:32
  calendars
• 9:32
  out
• 9:32
  and
• 9:33
  schedule
• 9:33
  that
• 9:33
  first
• 9:34
  family
• 9:34
  money
• 9:34
  meeting
• 9:35
  with
• 9:35
  a
• 9:35
  very
• 9:35
  simple
• 9:36
  agenda.
• 9:37
  It's
• 9:37
  going
• 9:37
  to
• 9:37
  be
• 9:38
  super
• 9:38
  simple.
• 9:38
  One
• 9:38
  win,
• 9:39
  one
• 9:39
  goal.
• 9:40
  And
• 9:40
  then
• 9:40
  agree
• 9:40
  on
• 9:40
  the
• 9:41
  top
• 9:41
  three
• 9:41
  priorities
• 9:41
  for
• 9:42
  next
• 9:42
  month.
• 9:42
  That's
• 9:42
  all
• 9:42
  I
• 9:42
  want
• 9:42
  you
• 9:42
  to
• 9:43
  do.
• 9:43
  Not
• 9:43
  some
• 9:43
  big,
• 9:44
  long
• 9:44
  agenda.
• 9:45
  Just
• 9:45
  one
• 9:45
  win,
• 9:46
  one
• 9:46
  goal.
• 9:46
  And
• 9:47
  the
• 9:47
  top
• 9:47
  three
• 9:47
  parties
• 9:48
  for
• 9:48
  next
• 9:48
  month,
• 9:48
  just
• 9:49
  one
• 9:49
  meeting.
• 9:50
  It
• 9:50
  can
• 9:50
  change
• 9:50
  the
• 9:51
  tone
• 9:51
  of
• 9:51
  your
• 9:51
  entire
• 9:52
  year.
• 9:53
  Another
• 9:54
  thing
• 9:54
  I'd
• 9:54
  like
• 9:54
  you
• 9:54
  to
• 9:54
  do.
• 9:55
  I'd
• 9:55
  love
• 9:55
  you
• 9:55
  to
• 9:55
  join
• 9:56
  our
• 9:56
  private
• 9:56
  group.
• 9:57
  It's
• 9:57
  called
• 9:57
  the
• 9:57
  financiallyconfidentchristian.com
• 10:00
  group.
• 10:00
  You
• 10:00
  can
• 10:01
  get
• 10:01
  to
• 10:01
  it
• 10:01
  by
• 10:01
  going
• 10:01
  to
• 10:01
  financiallyconfidentchristian.com/join.
• 10:05
  Because
• 10:05
  here's
• 10:05
  the
• 10:05
  thing
• 10:05
  I'm
• 10:06
  going
• 10:06
  to
• 10:06
  tell
• 10:06
  you
• 10:06
  right
• 10:06
  now.
• 10:06
  You
• 10:06
  don't
• 10:06
  have
• 10:07
  to
• 10:07
  do
• 10:07
  this
• 10:07
  alone
• 10:08
  and
• 10:08
  neither
• 10:08
  should
• 10:09
  your
• 10:09
  family.
• 10:09
  And
• 10:10
  we've
• 10:10
  got
• 10:10
  an
• 10:10
  organization
• 10:11
  there.
• 10:11
  It's
• 10:12
  growing.
• 10:12
  You
• 10:12
  know,
• 10:12
  if
• 10:13
  you
• 10:13
  go
• 10:13
  there
• 10:13
  now,
• 10:14
  we're
• 10:14
  just.
• 10:14
  We're
• 10:14
  just
• 10:14
  building
• 10:14
  up.
• 10:15
  We
• 10:15
  want
• 10:15
  you
• 10:15
  to
• 10:15
  come
• 10:15
  and
• 10:15
  join
• 10:16
  it
• 10:16
  again.
• 10:16
  That's
• 10:17
  at
• 10:18
  financiallyconfidentchristian.com/join.
• 10:20
  You're
• 10:21
  not
• 10:21
  meant
• 10:21
  to
• 10:21
  carry
• 10:22
  your
• 10:22
  family's
• 10:22
  financial
• 10:23
  future
• 10:23
  alone.
• 10:24
  God
• 10:25
  can
• 10:25
  build
• 10:25
  unity
• 10:25
  when
• 10:26
  there
• 10:26
  has
• 10:26
  been
• 10:26
  division,
• 10:27
  peace
• 10:27
  where
• 10:27
  there
• 10:27
  has
• 10:28
  been
• 10:28
  pressure
• 10:28
  and
• 10:28
  listen
• 10:28
  to
• 10:29
  me.
• 10:29
  And
• 10:29
  connection
• 10:30
  where
• 10:30
  there
• 10:30
  has
• 10:30
  been
• 10:31
  silence.
• 10:32
  Just
• 10:32
  one
• 10:33
  small
• 10:33
  meeting,
• 10:33
  one
• 10:34
  gentle
• 10:34
  invitation
• 10:35
  can
• 10:35
  open
• 10:35
  the
• 10:35
  door
• 10:36
  to
• 10:36
  a
• 10:36
  huge
• 10:36
  transformation.
• 10:37
  I've
• 10:37
  seen
• 10:37
  it
• 10:38
  in
• 10:38
  people
• 10:38
  that
• 10:38
  I've
• 10:39
  worked
• 10:39
  with.
• 10:39
  I've
• 10:39
  seen
• 10:39
  it
• 10:39
  in
• 10:40
  my
• 10:40
  own
• 10:40
  family.
• 10:42
  So
• 10:42
  go
• 10:42
  out
• 10:42
  there
• 10:42
  today
• 10:43
  and
• 10:43
  be
• 10:43
  a
• 10:43
  financially
• 10:44
  confident
• 10:44
  Christian.
• 10:45
  You
• 10:45
  can
• 10:45
  do
• 10:45
  this.
• 10:46
  Your
• 10:47
  family
• 10:47
  needs
• 10:47
  you
• 10:48
  to
• 10:48
  build
• 10:48
  this
• 10:49
  unity.
• 10:49
  Stay
• 10:49
  financially
• 10:50
  savvy.
• 10:50
  God
• 10:51
  bless
• 10:51
  you.
• 10:51
  And
• 10:51
  I'll
• 10:51
  see
• 10:52
  you
• 10:52
  on
• 10:52
  the
• 10:52
  next
• 10:52
  show.