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Is a Debt-Free Holiday Season Actually Possible for Me? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  I
• 0:38
  thought
• 0:38
  I'd
• 0:38
  start
• 0:38
  off
• 0:38
  this
• 0:38
  new
• 0:39
  series
• 0:39
  with
• 0:39
  a
• 0:39
  great
• 0:39
  listener
• 0:40
  question.
• 0:41
  Ralph,
• 0:41
  every
• 0:42
  holiday
• 0:42
  season,
• 0:42
  I
• 0:43
  end
• 0:43
  up
• 0:43
  swiping
• 0:43
  the
• 0:44
  credit
• 0:44
  card
• 0:44
  more
• 0:44
  than
• 0:44
  I
• 0:45
  should.
• 0:45
  Is
• 0:46
  it
• 0:46
  even
• 0:46
  realistic
• 0:47
  to
• 0:47
  think
• 0:47
  I
• 0:47
  could
• 0:48
  actually
• 0:48
  have
• 0:48
  a
• 0:48
  debt
• 0:49
  free
• 0:49
  holiday?
• 0:50
  What
• 0:50
  a
• 0:50
  great
• 0:50
  question.
• 0:51
  You're
• 0:51
  probably
• 0:51
  thinking
• 0:52
  the
• 0:52
  exact
• 0:52
  same
• 0:52
  thing,
• 0:52
  Ralph.
• 0:53
  It's
• 0:53
  November.
• 0:54
  But
• 0:54
  guess
• 0:54
  what?
• 0:55
  The
• 0:55
  holidays
• 0:55
  are
• 0:56
  just
• 0:56
  around
• 0:56
  the
• 0:56
  corner.
• 0:57
  And
• 0:57
  here's
• 0:57
  some
• 0:58
  interesting
• 0:58
  statistics.
• 0:58
  I
• 0:59
  want
• 0:59
  to
• 0:59
  thank
• 0:59
  Abby
• 0:59
  for
• 0:59
  putting
• 1:00
  these
• 1:00
  together.
• 1:01
  Every
• 1:01
  year,
• 1:02
  Americans
• 1:02
  spend
• 1:03
  big
• 1:03
  during
• 1:03
  the
• 1:03
  holidays.
• 1:03
  It's
• 1:04
  not
• 1:04
  just
• 1:04
  Americans.
• 1:05
  And
• 1:05
  Abby
• 1:05
  and
• 1:05
  I
• 1:05
  were
• 1:05
  talking
• 1:06
  before
• 1:06
  the
• 1:06
  show.
• 1:06
  She
• 1:07
  loves
• 1:07
  to
• 1:07
  give.
• 1:07
  She
• 1:08
  loves
• 1:08
  to
• 1:08
  make
• 1:09
  people
• 1:09
  feel
• 1:09
  good.
• 1:10
  And
• 1:10
  that's
• 1:10
  part
• 1:10
  of
• 1:11
  the
• 1:11
  giving
• 1:11
  process.
• 1:12
  So
• 1:12
  it's
• 1:12
  not
• 1:12
  just
• 1:12
  in
• 1:12
  America.
• 1:13
  It's
• 1:13
  all
• 1:13
  over
• 1:13
  the
• 1:14
  world.
• 1:14
  Listen
• 1:14
  to
• 1:15
  this.
• 1:15
  Last
• 1:15
  year,
• 1:16
  36%
• 1:17
  of
• 1:17
  us
• 1:17
  ended
• 1:18
  up
• 1:18
  in
• 1:18
  debt
• 1:18
  just
• 1:19
  from
• 1:19
  Christmas
• 1:20
  with
• 1:20
  the
• 1:21
  average
• 1:21
  balance
• 1:21
  of
• 1:22
  over
• 1:22
  $1,181.
• 1:25
  Here's
• 1:25
  the
• 1:26
  scary
• 1:26
  part.
• 1:27
  42%
• 1:28
  of
• 1:28
  those
• 1:28
  balances
• 1:29
  carried
• 1:29
  interest
• 1:29
  rates
• 1:30
  of
• 1:30
  20%
• 1:30
  or
• 1:31
  higher.
• 1:31
  Man,
• 1:32
  you're
• 1:32
  talking
• 1:32
  about
• 1:33
  digging
• 1:33
  yourself
• 1:33
  a
• 1:33
  hole.
• 1:34
  Which
• 1:35
  means
• 1:35
  that
• 1:35
  January's
• 1:36
  joy,
• 1:36
  that
• 1:36
  that
• 1:37
  feeling
• 1:37
  of
• 1:37
  euphoria
• 1:38
  coming
• 1:38
  off
• 1:38
  of
• 1:38
  Christmas
• 1:39
  quickly
• 1:39
  turns
• 1:40
  into
• 1:40
  the
• 1:40
  month
• 1:40
  of
• 1:40
  stress
• 1:41
  as
• 1:41
  you
• 1:41
  try
• 1:41
  to
• 1:41
  figure
• 1:42
  out,
• 1:42
  how
• 1:42
  am
• 1:42
  I
• 1:42
  going
• 1:42
  to
• 1:42
  pay
• 1:43
  those
• 1:43
  bills?
• 1:44
  And
• 1:45
  listen
• 1:45
  to
• 1:45
  this
• 1:45
  one.
• 1:46
  28%.
• 1:47
  Almost
• 1:48
  a
• 1:48
  third
• 1:48
  of
• 1:48
  shoppers
• 1:49
  still
• 1:50
  hadn't
• 1:50
  paid
• 1:50
  off
• 1:50
  last
• 1:51
  year's
• 1:51
  holiday
• 1:52
  bills.
• 1:53
  And
• 1:53
  even
• 1:53
  scarier
• 1:54
  than
• 1:54
  that,
• 1:54
  another
• 1:55
  27%
• 1:56
  already
• 1:56
  expect
• 1:56
  to
• 1:56
  go
• 1:57
  into
• 1:57
  debt
• 1:57
  again
• 1:57
  this
• 1:57
  year.
• 1:58
  That's
• 1:58
  a
• 1:58
  cycle,
• 1:59
  isn't
• 1:59
  it?
• 2:00
  And
• 2:00
  half
• 2:01
  of
• 2:01
  all
• 2:01
  US
• 2:01
  Credit
• 2:02
  card
• 2:02
  holders
• 2:02
  already
• 2:03
  carry
• 2:03
  debt.
• 2:04
  Yet
• 2:04
  listen
• 2:05
  to
• 2:05
  this.
• 2:05
  I
• 2:05
  was
• 2:05
  astonished
• 2:06
  when
• 2:06
  I
• 2:06
  read
• 2:06
  this.
• 2:07
  96%
• 2:08
  said
• 2:08
  they'll
• 2:08
  still
• 2:08
  spend
• 2:09
  on
• 2:09
  holiday
• 2:09
  gifts
• 2:10
  this
• 2:10
  season.
• 2:10
  They're
• 2:10
  already
• 2:10
  in
• 2:11
  debt.
• 2:12
  Listen
• 2:12
  to
• 2:13
  this.
• 2:13
  The
• 2:13
  average
• 2:13
  holiday
• 2:14
  budget,
• 2:15
  I
• 2:15
  didn't
• 2:16
  have
• 2:16
  any
• 2:16
  idea
• 2:16
  what
• 2:16
  it
• 2:16
  was.
• 2:17
  It's
• 2:17
  around
• 2:17
  $925
• 2:19
  per
• 2:19
  person.
• 2:19
  I
• 2:19
  tell
• 2:19
  you,
• 2:20
  people
• 2:20
  in
• 2:20
  my
• 2:20
  family,
• 2:20
  I
• 2:21
  must
• 2:21
  be
• 2:21
  getting
• 2:21
  off
• 2:21
  on
• 2:21
  the
• 2:22
  cheap
• 2:22
  because
• 2:22
  I
• 2:22
  don't
• 2:22
  spend
• 2:22
  anywhere
• 2:23
  near
• 2:23
  that.
• 2:23
  Problem
• 2:24
  is,
• 2:24
  most
• 2:24
  of
• 2:24
  that
• 2:24
  goes
• 2:24
  on
• 2:25
  credit.
• 2:26
  Why
• 2:26
  does
• 2:26
  it
• 2:26
  go
• 2:26
  on
• 2:26
  credit?
• 2:27
  Because
• 2:27
  we
• 2:27
  have
• 2:27
  ads
• 2:27
  and
• 2:28
  sales
• 2:28
  and
• 2:28
  social
• 2:28
  media
• 2:29
  doesn't
• 2:29
  help
• 2:30
  us.
• 2:30
  40%
• 2:31
  of
• 2:31
  shoppers
• 2:31
  admit
• 2:32
  they
• 2:32
  overspend
• 2:32
  because
• 2:33
  of
• 2:33
  pressure
• 2:33
  from
• 2:33
  online
• 2:34
  trends
• 2:34
  and
• 2:35
  perfect
• 2:35
  holiday
• 2:36
  expectation.
• 2:36
  I
• 2:37
  could
• 2:37
  take
• 2:37
  a
• 2:37
  whole
• 2:37
  dive
• 2:37
  on
• 2:37
  that.
• 2:38
  We
• 2:38
  may
• 2:38
  even
• 2:38
  do
• 2:38
  that
• 2:38
  during
• 2:38
  this
• 2:39
  series.
• 2:39
  That
• 2:39
  perfect
• 2:40
  holiday
• 2:40
  expectation.
• 2:42
  And
• 2:42
  here's
• 2:43
  one.
• 2:43
  And
• 2:43
  as
• 2:43
  a
• 2:44
  parent,
• 2:44
  you
• 2:44
  might
• 2:44
  be
• 2:44
  a
• 2:44
  parent
• 2:44
  too.
• 2:45
  You're
• 2:45
  probably
• 2:45
  thinking,
• 2:45
  Ralph,
• 2:45
  this
• 2:46
  is
• 2:46
  right
• 2:46
  on.
• 2:46
  Nearly
• 2:47
  one
• 2:47
  in
• 2:47
  five
• 2:48
  parents
• 2:48
  say
• 2:48
  they'll
• 2:48
  cut
• 2:49
  back
• 2:49
  on
• 2:49
  their
• 2:49
  own
• 2:49
  essentials
• 2:50
  just
• 2:51
  so
• 2:51
  their
• 2:51
  Kids
• 2:51
  don't
• 2:51
  feel
• 2:52
  left
• 2:52
  out
• 2:52
  during
• 2:52
  Christmas.
• 2:54
  Wow.
• 2:55
  Truth
• 2:55
  is,
• 2:55
  holidays
• 2:56
  and
• 2:56
  money
• 2:56
  stress
• 2:56
  often
• 2:57
  go
• 2:57
  hand
• 2:57
  in
• 2:57
  hand.
• 2:57
  Ads
• 2:58
  are
• 2:58
  everywhere,
• 2:59
  expectations
• 2:59
  run
• 3:00
  high
• 3:00
  and
• 3:00
  debt
• 3:01
  feels
• 3:01
  almost
• 3:02
  normal.
• 3:03
  But
• 3:03
  is
• 3:03
  a
• 3:03
  debt
• 3:04
  free
• 3:04
  actually
• 3:05
  possible?
• 3:05
  I'm
• 3:06
  going
• 3:06
  to
• 3:06
  answer
• 3:06
  that
• 3:06
  question
• 3:07
  on
• 3:07
  today's
• 3:07
  show.
• 3:09
  This
• 3:10
  is
• 3:10
  Financially
• 3:11
  Confident
• 3:11
  Christian,
• 3:12
  your
• 3:12
  daily
• 3:12
  dose
• 3:13
  of
• 3:13
  gospel,
• 3:13
  grounded
• 3:14
  insight
• 3:14
  and
• 3:14
  faith
• 3:15
  driven
• 3:15
  tips
• 3:16
  to
• 3:16
  help
• 3:16
  you
• 3:16
  break
• 3:16
  the
• 3:17
  cycle
• 3:17
  of
• 3:17
  financial
• 3:17
  shame
• 3:18
  with
• 3:18
  confidence.
• 3:21
  Welcome
• 3:21
  to
• 3:21
  the
• 3:21
  show.
• 3:22
  I'm
• 3:22
  Ralph
• 3:22
  and
• 3:22
  I'm
• 3:22
  excited.
• 3:23
  Today
• 3:23
  we're
• 3:23
  starting
• 3:23
  a
• 3:24
  brand
• 3:24
  new
• 3:24
  series,
• 3:24
  Holiday
• 3:25
  Survival.
• 3:26
  Enjoying
• 3:26
  the
• 3:26
  season
• 3:27
  without
• 3:27
  going
• 3:27
  into
• 3:28
  debt.
• 3:28
  Listen,
• 3:28
  for
• 3:29
  many
• 3:29
  families,
• 3:30
  the
• 3:30
  holiday
• 3:30
  brings
• 3:30
  pressure
• 3:31
  and
• 3:32
  not
• 3:32
  peace.
• 3:33
  The
• 3:33
  gifts,
• 3:34
  the
• 3:34
  gatherings,
• 3:34
  the
• 3:34
  expectations.
• 3:36
  Then
• 3:36
  comes
• 3:36
  January's
• 3:37
  credit
• 3:38
  card
• 3:38
  bill
• 3:38
  arrival.
• 3:39
  But
• 3:39
  it
• 3:39
  doesn't
• 3:39
  have
• 3:40
  to
• 3:40
  be
• 3:40
  that
• 3:40
  way.
• 3:40
  I
• 3:40
  want
• 3:40
  you
• 3:40
  to
• 3:40
  hear
• 3:41
  me
• 3:41
  right
• 3:41
  now.
• 3:41
  It
• 3:41
  doesn't
• 3:41
  have
• 3:42
  to
• 3:42
  be
• 3:42
  that
• 3:42
  way.
• 3:43
  And
• 3:43
  today
• 3:43
  we're
• 3:43
  going
• 3:44
  to
• 3:44
  start
• 3:44
  a
• 3:44
  series
• 3:44
  where
• 3:44
  we're
• 3:44
  going
• 3:45
  to
• 3:45
  walk
• 3:45
  through
• 3:45
  some
• 3:45
  simple
• 3:45
  steps
• 3:46
  to
• 3:46
  celebrate
• 3:47
  with
• 3:47
  joy
• 3:47
  and,
• 3:48
  and
• 3:48
  spend
• 3:48
  with
• 3:48
  wisdom
• 3:49
  and
• 3:49
  enter
• 3:49
  the
• 3:50
  new
• 3:50
  year
• 3:50
  debt
• 3:50
  free.
• 3:50
  Are
• 3:51
  you
• 3:51
  ready
• 3:51
  for
• 3:51
  that?
• 3:51
  Well,
• 3:52
  let's
• 3:52
  do
• 3:52
  it
• 3:52
  because
• 3:52
  listen,
• 3:53
  I've
• 3:53
  worked
• 3:53
  in
• 3:54
  this
• 3:54
  area
• 3:54
  for
• 3:54
  30
• 3:55
  years.
• 3:55
  I've
• 3:56
  helped
• 3:56
  individuals
• 3:56
  create
• 3:57
  holiday
• 3:57
  budgets
• 3:58
  and
• 3:58
  escape
• 3:58
  that
• 3:58
  January
• 3:59
  credit
• 3:59
  card
• 4:00
  hangover.
• 4:00
  Yeah,
• 4:00
  it's
• 4:00
  truly
• 4:01
  a
• 4:01
  hangover,
• 4:01
  man.
• 4:01
  You
• 4:01
  get
• 4:01
  a
• 4:02
  headache
• 4:02
  when
• 4:02
  you
• 4:02
  see
• 4:02
  that,
• 4:02
  Bill.
• 4:03
  And
• 4:03
  I've
• 4:04
  personally
• 4:04
  walked
• 4:04
  through
• 4:04
  shifting
• 4:05
  from
• 4:05
  overspending
• 4:06
  on
• 4:06
  holidays.
• 4:06
  My
• 4:06
  kids
• 4:06
  are
• 4:07
  older
• 4:07
  now,
• 4:07
  but
• 4:07
  when
• 4:07
  they
• 4:08
  were
• 4:08
  younger,
• 4:08
  my
• 4:09
  wife
• 4:09
  and
• 4:09
  I
• 4:09
  used
• 4:09
  to
• 4:09
  run
• 4:09
  ourselves
• 4:10
  in
• 4:10
  debt.
• 4:11
  This
• 4:11
  is
• 4:11
  what
• 4:11
  we
• 4:11
  did.
• 4:12
  You're
• 4:12
  probably
• 4:12
  saying,
• 4:12
  ralph,
• 4:12
  we
• 4:13
  do
• 4:13
  the
• 4:13
  same
• 4:13
  thing,
• 4:14
  but
• 4:14
  I'm
• 4:14
  going
• 4:14
  to
• 4:14
  help
• 4:15
  you
• 4:15
  build
• 4:15
  some
• 4:15
  debt
• 4:15
  free
• 4:16
  celebrations
• 4:16
  rooted
• 4:17
  in
• 4:17
  peace.
• 4:18
  And
• 4:18
  I
• 4:18
  remember
• 4:18
  one
• 4:18
  family
• 4:19
  I
• 4:19
  work
• 4:19
  with,
• 4:20
  they
• 4:20
  said
• 4:20
  to
• 4:20
  me,
• 4:20
  ralph,
• 4:21
  we
• 4:21
  always
• 4:21
  get
• 4:21
  that
• 4:21
  big
• 4:22
  January
• 4:22
  credit
• 4:23
  card
• 4:23
  bill.
• 4:23
  They
• 4:24
  said
• 4:24
  we
• 4:24
  can't
• 4:24
  do
• 4:24
  this
• 4:24
  anymore.
• 4:25
  And
• 4:25
  one
• 4:25
  year
• 4:26
  I
• 4:26
  work
• 4:26
  with
• 4:26
  them,
• 4:27
  we
• 4:27
  decided
• 4:27
  to
• 4:27
  set
• 4:27
  some
• 4:28
  limits
• 4:28
  before
• 4:28
  the
• 4:28
  season
• 4:29
  even
• 4:29
  began.
• 4:29
  We
• 4:29
  did
• 4:29
  it
• 4:29
  in
• 4:29
  November
• 4:30
  and
• 4:30
  for
• 4:31
  the
• 4:31
  first
• 4:31
  time,
• 4:31
  listen
• 4:32
  to
• 4:32
  this.
• 4:32
  This
• 4:32
  is
• 4:32
  beautiful.
• 4:33
  They
• 4:33
  entered
• 4:33
  New
• 4:34
  Year
• 4:34
  with
• 4:34
  joy
• 4:35
  instead
• 4:35
  of
• 4:36
  financial
• 4:36
  grit.
• 4:37
  Well,
• 4:37
  let's
• 4:37
  get
• 4:37
  to
• 4:37
  a
• 4:37
  quote
• 4:37
  from
• 4:38
  Dave
• 4:38
  Ramsey.
• 4:38
  He
• 4:39
  said,
• 4:39
  a
• 4:39
  budget
• 4:39
  is
• 4:40
  telling
• 4:40
  your
• 4:40
  money
• 4:40
  where
• 4:40
  to
• 4:41
  go.
• 4:41
  And
• 4:41
  instead
• 4:42
  of
• 4:42
  wondering
• 4:42
  where
• 4:42
  it
• 4:43
  went,
• 4:43
  well,
• 4:43
  that's
• 4:44
  what
• 4:44
  I
• 4:44
  want
• 4:44
  to
• 4:44
  drill
• 4:44
  in
• 4:45
  on
• 4:45
  today.
• 4:45
  Here's
• 4:46
  my
• 4:46
  key
• 4:46
  points
• 4:46
  for
• 4:46
  today.
• 4:47
  Debt
• 4:47
  free
• 4:48
  does
• 4:48
  not
• 4:48
  mean
• 4:48
  joy
• 4:49
  free.
• 4:49
  A
• 4:49
  lot
• 4:49
  of
• 4:49
  people
• 4:49
  think,
• 4:50
  well,
• 4:50
  Ralph,
• 4:50
  if
• 4:51
  I'm
• 4:51
  not
• 4:51
  going
• 4:51
  to
• 4:51
  go
• 4:51
  into
• 4:51
  debt,
• 4:52
  I'm
• 4:52
  not
• 4:52
  going
• 4:52
  to
• 4:52
  be
• 4:52
  able
• 4:52
  to
• 4:53
  celebrate.
• 4:53
  Everybody's
• 4:53
  going
• 4:53
  to
• 4:54
  be
• 4:54
  let
• 4:54
  down.
• 4:54
  We're
• 4:54
  not
• 4:54
  going
• 4:54
  to
• 4:55
  have
• 4:55
  any
• 4:55
  gifts.
• 4:56
  But
• 4:56
  you
• 4:56
  can
• 4:56
  still
• 4:56
  celebrate.
• 4:57
  You
• 4:57
  can
• 4:57
  still
• 4:57
  do
• 4:58
  gifts.
• 4:58
  You
• 4:58
  can
• 4:59
  still
• 4:59
  have
• 4:59
  memorable
• 5:00
  meals
• 5:00
  and
• 5:00
  you
• 5:00
  can
• 5:00
  build
• 5:01
  a
• 5:01
  great
• 5:01
  many
• 5:01
  memories
• 5:02
  because
• 5:02
  here's
• 5:02
  the
• 5:02
  truth.
• 5:03
  It's
• 5:03
  all
• 5:03
  about
• 5:04
  balancing
• 5:04
  it.
• 5:05
  Truth
• 5:05
  is,
• 5:05
  you're
• 5:05
  not
• 5:06
  going
• 5:06
  to
• 5:06
  remember
• 5:06
  what
• 5:06
  you
• 5:06
  bought
• 5:07
  somebody
• 5:07
  three
• 5:07
  or
• 5:07
  four
• 5:07
  years
• 5:08
  from
• 5:08
  now,
• 5:08
  but
• 5:08
  you'll
• 5:09
  remember
• 5:09
  that
• 5:09
  meal
• 5:09
  with
• 5:09
  them.
• 5:10
  You
• 5:10
  remember
• 5:10
  that
• 5:11
  time
• 5:11
  shared
• 5:11
  with
• 5:12
  family.
• 5:12
  So
• 5:12
  let's
• 5:13
  focus
• 5:13
  on
• 5:13
  that.
• 5:14
  Not
• 5:14
  spending,
• 5:14
  not
• 5:14
  going
• 5:15
  into
• 5:15
  debt
• 5:15
  doesn't
• 5:15
  mean
• 5:15
  you
• 5:15
  relieve
• 5:16
  the
• 5:16
  joy.
• 5:17
  It's
• 5:17
  all
• 5:17
  about
• 5:17
  planning.
• 5:18
  That's
• 5:18
  what
• 5:18
  Dave
• 5:18
  is
• 5:18
  saying
• 5:18
  here,
• 5:19
  budgeting,
• 5:19
  planning
• 5:20
  and
• 5:20
  prioritizing
• 5:21
  it.
• 5:21
  Because
• 5:21
  listen,
• 5:22
  as
• 5:22
  my
• 5:22
  oldest
• 5:22
  son
• 5:23
  says,
• 5:23
  without
• 5:23
  a
• 5:23
  plan,
• 5:23
  you
• 5:24
  plan
• 5:24
  to
• 5:24
  fail.
• 5:25
  And
• 5:25
  if
• 5:25
  you
• 5:25
  don't
• 5:25
  have
• 5:26
  that
• 5:26
  plan,
• 5:26
  Abby
• 5:26
  and
• 5:26
  I
• 5:26
  were
• 5:27
  talking
• 5:27
  before
• 5:27
  the
• 5:27
  show.
• 5:28
  I
• 5:28
  said
• 5:28
  to
• 5:28
  her,
• 5:29
  how
• 5:29
  do
• 5:29
  you
• 5:29
  make
• 5:29
  holidays
• 5:29
  work?
• 5:30
  Because
• 5:30
  she
• 5:30
  loves
• 5:30
  to
• 5:30
  give.
• 5:30
  She
• 5:31
  says,
• 5:31
  ralph,
• 5:31
  I
• 5:32
  plan
• 5:32
  early,
• 5:33
  I
• 5:33
  save
• 5:33
  early.
• 5:34
  So
• 5:34
  that
• 5:34
  when
• 5:34
  the
• 5:34
  holidays
• 5:35
  roll
• 5:35
  around,
• 5:36
  the
• 5:36
  money
• 5:36
  doesn't
• 5:36
  just
• 5:36
  slip
• 5:37
  away.
• 5:37
  That's
• 5:38
  all
• 5:38
  part
• 5:38
  of
• 5:38
  the
• 5:38
  thing
• 5:39
  here.
• 5:39
  And
• 5:39
  you
• 5:39
  got
• 5:40
  to
• 5:40
  set
• 5:40
  some
• 5:40
  limits
• 5:40
  up
• 5:41
  front.
• 5:41
  A
• 5:41
  lot
• 5:42
  of
• 5:42
  people
• 5:42
  don't
• 5:42
  do
• 5:42
  this.
• 5:43
  I
• 5:43
  think
• 5:43
  you
• 5:44
  make
• 5:44
  a
• 5:44
  list,
• 5:44
  you
• 5:44
  write
• 5:44
  down
• 5:45
  everybody's
• 5:45
  name
• 5:45
  and
• 5:45
  here's
• 5:46
  what
• 5:46
  the
• 5:46
  gifts
• 5:46
  are,
• 5:46
  here's
• 5:46
  what
• 5:46
  it's
• 5:47
  going
• 5:47
  to
• 5:47
  cost.
• 5:47
  And
• 5:47
  don't
• 5:48
  forget
• 5:48
  things.
• 5:48
  And
• 5:48
  we'll
• 5:48
  talk
• 5:49
  about
• 5:49
  this
• 5:49
  in
• 5:49
  the
• 5:49
  series.
• 5:50
  Don't
• 5:50
  forget
• 5:50
  about
• 5:50
  things
• 5:51
  like
• 5:51
  travel
• 5:51
  budgets
• 5:52
  and
• 5:52
  food
• 5:52
  costs.
• 5:53
  A
• 5:53
  lot
• 5:53
  of
• 5:53
  people
• 5:53
  don't
• 5:53
  think
• 5:53
  about
• 5:54
  that.
• 5:54
  Then
• 5:54
  they
• 5:54
  have
• 5:55
  a
• 5:55
  big
• 5:55
  house
• 5:55
  full
• 5:55
  of
• 5:55
  people
• 5:56
  over
• 5:56
  and
• 5:56
  there
• 5:57
  went
• 5:57
  to
• 5:57
  grocery
• 5:57
  budget
• 5:58
  for
• 5:58
  the
• 5:58
  month
• 5:58
  before
• 5:59
  you
• 5:59
  even
• 5:59
  step
• 6:00
  into
• 6:00
  the
• 6:00
  store.
• 6:01
  Understand
• 6:01
  those
• 6:02
  limits,
• 6:02
  understand
• 6:03
  what
• 6:03
  you're
• 6:04
  going
• 6:04
  to
• 6:04
  do.
• 6:05
  And
• 6:05
  at
• 6:05
  the
• 6:05
  end,
• 6:06
  it's
• 6:06
  all
• 6:06
  about
• 6:06
  peace
• 6:07
  over
• 6:07
  pressure.
• 6:07
  The
• 6:07
  holidays
• 6:08
  can
• 6:08
  bring
• 6:08
  great
• 6:09
  joy,
• 6:10
  but
• 6:10
  they
• 6:10
  don't
• 6:10
  have
• 6:11
  to
• 6:11
  bring
• 6:11
  this
• 6:11
  burden
• 6:11
  of
• 6:11
  bills
• 6:12
  waiting
• 6:12
  in
• 6:12
  January.
• 6:13
  I
• 6:13
  see
• 6:13
  so
• 6:13
  many
• 6:13
  people
• 6:14
  that
• 6:14
  lose
• 6:15
  out
• 6:15
  on
• 6:15
  the
• 6:15
  joy
• 6:15
  of
• 6:16
  the
• 6:16
  holidays
• 6:16
  because
• 6:17
  there's
• 6:17
  so
• 6:17
  much
• 6:17
  pressure.
• 6:18
  And
• 6:18
  listen,
• 6:18
  I
• 6:18
  felt
• 6:19
  this
• 6:19
  myself.
• 6:19
  I
• 6:19
  remember
• 6:19
  when
• 6:20
  my
• 6:20
  kids
• 6:20
  were
• 6:20
  real
• 6:20
  young,
• 6:21
  we
• 6:21
  were
• 6:21
  really
• 6:22
  struggling
• 6:22
  financially.
• 6:23
  It
• 6:23
  was
• 6:23
  just
• 6:23
  the
• 6:23
  two
• 6:24
  of
• 6:24
  us.
• 6:24
  We
• 6:24
  did
• 6:24
  two
• 6:25
  young
• 6:25
  boys
• 6:25
  and
• 6:26
  man.
• 6:26
  We
• 6:26
  wanted
• 6:26
  our
• 6:26
  kids
• 6:27
  to
• 6:27
  have
• 6:27
  this
• 6:27
  amazing
• 6:27
  Christmas
• 6:28
  and
• 6:29
  we
• 6:29
  put
• 6:29
  ourselves
• 6:30
  into
• 6:30
  debt.
• 6:30
  It
• 6:31
  took
• 6:31
  nearly
• 6:31
  a
• 6:31
  year
• 6:31
  to
• 6:32
  pay
• 6:32
  that
• 6:32
  off.
• 6:33
  That
• 6:33
  was
• 6:33
  a
• 6:33
  burden.
• 6:33
  We
• 6:34
  don't
• 6:34
  need
• 6:34
  to
• 6:34
  live
• 6:34
  in
• 6:34
  that
• 6:34
  burden.
• 6:35
  And
• 6:35
  that
• 6:35
  leads
• 6:36
  us
• 6:36
  to
• 6:36
  our
• 6:36
  Bible
• 6:36
  verse.
• 6:37
  Today,
• 6:37
  my
• 6:37
  favorite
• 6:37
  book
• 6:37
  of
• 6:38
  the
• 6:38
  Bible,
• 6:38
  as
• 6:38
  you
• 6:38
  know,
• 6:38
  if
• 6:38
  you've
• 6:39
  listened,
• 6:39
  is
• 6:39
  the
• 6:39
  book
• 6:39
  of
• 6:40
  Romans.
• 6:40
  And
• 6:40
  this
• 6:40
  one
• 6:41
  comes
• 6:41
  to
• 6:41
  us
• 6:41
  from
• 6:41
  Romans
• 6:42
  13,
• 6:42
  8.
• 6:43
  And
• 6:43
  it
• 6:43
  says
• 6:44
  this.
• 6:44
  Let
• 6:44
  no
• 6:44
  debt
• 6:45
  remain
• 6:45
  outstanding
• 6:46
  except
• 6:46
  the
• 6:46
  continually
• 6:47
  debt
• 6:47
  to
• 6:47
  love
• 6:48
  one
• 6:48
  another
• 6:48
  for
• 6:49
  whoever
• 6:49
  loves
• 6:50
  others
• 6:50
  has
• 6:50
  fulfilled
• 6:51
  the
• 6:51
  law.
• 6:52
  And
• 6:52
  think
• 6:52
  about
• 6:52
  that
• 6:52
  for
• 6:52
  a
• 6:52
  second.
• 6:53
  How
• 6:53
  does
• 6:53
  that
• 6:53
  relate
• 6:53
  to
• 6:53
  what
• 6:53
  we're
• 6:54
  Talking
• 6:54
  about
• 6:55
  debt.
• 6:56
  So
• 6:56
  many
• 6:56
  people
• 6:56
  drive
• 6:57
  themselves
• 6:57
  into
• 6:58
  financial
• 6:58
  ruin
• 6:59
  because.
• 6:59
  Because
• 6:59
  they're
• 7:00
  thinking,
• 7:00
  oh,
• 7:00
  I
• 7:00
  gotta
• 7:00
  have
• 7:01
  this
• 7:01
  perfect
• 7:01
  Christmas.
• 7:02
  I
• 7:02
  gotta
• 7:02
  buy
• 7:02
  for
• 7:02
  this
• 7:03
  one.
• 7:03
  I
• 7:03
  gotta
• 7:03
  buy
• 7:03
  for
• 7:04
  that
• 7:04
  one.
• 7:04
  But
• 7:04
  what's
• 7:05
  the
• 7:05
  scripture
• 7:05
  telling
• 7:05
  us?
• 7:06
  It's
• 7:06
  all
• 7:06
  about
• 7:06
  love.
• 7:08
  Don't
• 7:08
  let
• 7:09
  a
• 7:09
  debt
• 7:09
  remain
• 7:09
  outstanding
• 7:10
  except
• 7:10
  to
• 7:10
  continue
• 7:11
  to
• 7:11
  love
• 7:11
  one
• 7:11
  another.
• 7:12
  During
• 7:13
  this
• 7:13
  holiday
• 7:13
  season,
• 7:13
  I
• 7:14
  want
• 7:14
  to
• 7:14
  encourage
• 7:14
  you,
• 7:14
  think
• 7:15
  about
• 7:15
  how
• 7:15
  you
• 7:15
  can
• 7:15
  love
• 7:16
  one
• 7:16
  another,
• 7:16
  how
• 7:16
  you
• 7:17
  can
• 7:17
  do
• 7:17
  for
• 7:17
  other
• 7:17
  people
• 7:18
  without
• 7:19
  running
• 7:19
  yourself
• 7:19
  into
• 7:20
  debt.
• 7:20
  Because,
• 7:21
  listen,
• 7:21
  that's
• 7:22
  going
• 7:22
  to
• 7:22
  steal
• 7:22
  all
• 7:22
  the
• 7:22
  joy.
• 7:23
  You
• 7:24
  don't
• 7:24
  need
• 7:24
  that
• 7:24
  stress
• 7:25
  in
• 7:25
  January,
• 7:26
  February.
• 7:26
  Listen,
• 7:26
  what
• 7:26
  did
• 7:27
  the
• 7:27
  stats
• 7:27
  tell
• 7:27
  us?
• 7:28
  People
• 7:28
  are
• 7:28
  still
• 7:29
  paying
• 7:29
  on
• 7:29
  credit
• 7:30
  card
• 7:30
  debt
• 7:30
  from
• 7:31
  a
• 7:31
  year
• 7:31
  ago.
• 7:31
  Let
• 7:31
  me
• 7:31
  tell
• 7:32
  you
• 7:32
  a
• 7:32
  secret.
• 7:32
  They're
• 7:33
  paying
• 7:33
  on
• 7:33
  debts
• 7:33
  from
• 7:33
  years
• 7:34
  ago.
• 7:35
  It's
• 7:35
  just
• 7:36
  snowballed
• 7:36
  and
• 7:37
  grown
• 7:37
  and
• 7:37
  grown
• 7:38
  and
• 7:38
  grown.
• 7:38
  You
• 7:38
  don't
• 7:39
  have
• 7:39
  to
• 7:39
  live
• 7:39
  like
• 7:39
  that
• 7:39
  anymore.
• 7:40
  How
• 7:40
  about
• 7:40
  we
• 7:40
  pray
• 7:41
  together?
• 7:42
  Father,
• 7:42
  we
• 7:42
  come
• 7:42
  to
• 7:43
  you
• 7:43
  right
• 7:43
  now
• 7:43
  as
• 7:44
  we
• 7:44
  prepare
• 7:44
  for
• 7:44
  the
• 7:44
  holiday
• 7:45
  season.
• 7:45
  The
• 7:45
  greatest
• 7:45
  gift
• 7:46
  of
• 7:46
  all
• 7:46
  was
• 7:46
  when
• 7:46
  you
• 7:46
  sent
• 7:46
  your
• 7:47
  son,
• 7:47
  Jesus
• 7:47
  Christ
• 7:47
  to
• 7:48
  us,
• 7:48
  Lord,
• 7:48
  and
• 7:48
  we're
• 7:49
  going
• 7:49
  to
• 7:49
  celebrate
• 7:49
  that.
• 7:49
  But
• 7:50
  Lord,
• 7:50
  help
• 7:50
  us
• 7:50
  to
• 7:51
  have
• 7:51
  wisdom
• 7:51
  to
• 7:51
  avoid
• 7:52
  the
• 7:52
  debt
• 7:52
  traps
• 7:53
  this
• 7:53
  season.
• 7:53
  Help
• 7:54
  us
• 7:54
  to
• 7:54
  shelter
• 7:54
  ourselves
• 7:55
  and
• 7:55
  seal
• 7:55
  us
• 7:56
  away
• 7:56
  from
• 7:56
  the
• 7:56
  ads
• 7:56
  that
• 7:57
  are
• 7:57
  trying
• 7:57
  to
• 7:57
  drag
• 7:58
  us
• 7:58
  into
• 7:58
  this
• 7:59
  spiral
• 7:59
  of
• 7:59
  debt.
• 8:00
  And
• 8:00
  help
• 8:01
  us
• 8:01
  to
• 8:01
  remember
• 8:01
  that
• 8:02
  love
• 8:02
  matters
• 8:02
  more
• 8:03
  than
• 8:03
  gifts.
• 8:03
  As
• 8:03
  your
• 8:03
  scripture
• 8:04
  says,
• 8:04
  the
• 8:04
  debt
• 8:05
  of
• 8:05
  love
• 8:05
  is
• 8:05
  more
• 8:05
  important.
• 8:06
  So,
• 8:06
  Lord,
• 8:06
  we
• 8:07
  just
• 8:07
  ask
• 8:07
  that
• 8:07
  you
• 8:07
  would
• 8:07
  give
• 8:07
  us
• 8:08
  peace
• 8:08
  and
• 8:09
  freedom
• 8:09
  and
• 8:10
  help
• 8:10
  us
• 8:10
  to
• 8:10
  break
• 8:10
  free
• 8:11
  of
• 8:11
  the
• 8:11
  pressure
• 8:11
  of
• 8:11
  the
• 8:11
  holidays
• 8:12
  and
• 8:12
  really
• 8:12
  focus
• 8:13
  on
• 8:13
  love
• 8:13
  and
• 8:14
  love.
• 8:14
  For
• 8:14
  our
• 8:15
  love
• 8:15
  for
• 8:15
  Christ
• 8:16
  in
• 8:16
  this
• 8:16
  season,
• 8:16
  we
• 8:17
  ask
• 8:17
  this
• 8:17
  in
• 8:17
  confidence
• 8:18
  in
• 8:18
  the
• 8:18
  name
• 8:18
  of
• 8:19
  Jesus.
• 8:19
  Amen.
• 8:20
  All
• 8:20
  right,
• 8:20
  you
• 8:21
  ready
• 8:21
  for
• 8:21
  your
• 8:21
  one
• 8:21
  action
• 8:21
  step
• 8:22
  today?
• 8:22
  I
• 8:23
  want
• 8:23
  you
• 8:23
  to
• 8:23
  write
• 8:23
  down
• 8:24
  one
• 8:24
  clear
• 8:24
  commitment
• 8:25
  for
• 8:25
  this
• 8:25
  season.
• 8:25
  Here,
• 8:25
  I've
• 8:25
  already
• 8:25
  got
• 8:26
  it
• 8:26
  figured
• 8:26
  out
• 8:26
  for
• 8:26
  you.
• 8:27
  Get
• 8:27
  a
• 8:27
  pen
• 8:27
  and
• 8:27
  paper
• 8:28
  or
• 8:28
  write
• 8:28
  this
• 8:28
  on
• 8:28
  your
• 8:28
  phone.
• 8:29
  Wherever
• 8:29
  you're
• 8:29
  going
• 8:29
  to
• 8:29
  see
• 8:29
  it,
• 8:29
  write
• 8:30
  this
• 8:30
  and
• 8:30
  say,
• 8:30
  this
• 8:31
  holiday,
• 8:31
  I
• 8:32
  will
• 8:32
  celebrate
• 8:32
  love,
• 8:33
  not
• 8:33
  debt.
• 8:34
  I'm
• 8:34
  going
• 8:34
  to
• 8:34
  say
• 8:34
  that
• 8:34
  one
• 8:34
  more
• 8:34
  time
• 8:35
  because
• 8:35
  it's
• 8:35
  so
• 8:35
  important
• 8:36
  that
• 8:36
  we
• 8:36
  embrace
• 8:37
  this.
• 8:37
  This
• 8:38
  holiday.
• 8:39
  This
• 8:39
  holiday
• 8:40
  right
• 8:40
  now
• 8:40
  that's
• 8:40
  starting
• 8:41
  right
• 8:41
  now.
• 8:41
  I'm
• 8:42
  going
• 8:42
  to
• 8:42
  celebrate
• 8:42
  love,
• 8:43
  not
• 8:43
  debt.
• 8:44
  And
• 8:44
  I'm
• 8:44
  going
• 8:44
  to
• 8:44
  encourage
• 8:45
  you,
• 8:45
  put
• 8:45
  it
• 8:45
  somewhere
• 8:45
  visible,
• 8:46
  wherever
• 8:46
  that's
• 8:46
  good
• 8:46
  for
• 8:46
  you.
• 8:47
  Maybe
• 8:47
  it's
• 8:47
  on
• 8:47
  your
• 8:47
  fridge.
• 8:48
  Maybe
• 8:48
  it's
• 8:48
  on
• 8:48
  a
• 8:49
  mirror,
• 8:49
  your
• 8:49
  desk
• 8:49
  or
• 8:50
  unlock
• 8:50
  on
• 8:50
  your
• 8:50
  phone
• 8:51
  screen.
• 8:51
  Abby
• 8:51
  and
• 8:52
  I
• 8:52
  were
• 8:52
  laughing
• 8:52
  before.
• 8:52
  We
• 8:53
  say
• 8:53
  maybe
• 8:53
  you
• 8:53
  make
• 8:53
  a
• 8:53
  tattoo
• 8:54
  of
• 8:54
  it
• 8:54
  and
• 8:54
  put
• 8:54
  a
• 8:54
  tattoo
• 8:55
  on
• 8:55
  your
• 8:55
  arm.
• 8:56
  This
• 8:56
  holiday,
• 8:57
  I
• 8:57
  will
• 8:57
  celebrate
• 8:57
  love,
• 8:58
  not
• 8:58
  debt.
• 8:58
  Because,
• 8:59
  listen,
• 8:59
  this
• 8:59
  can
• 9:00
  be
• 9:00
  your
• 9:00
  daily
• 9:00
  reminder
• 9:01
  that
• 9:01
  gifts
• 9:01
  fade.
• 9:01
  Listen,
• 9:02
  gifts
• 9:02
  are
• 9:02
  going
• 9:02
  to
• 9:02
  fade.
• 9:04
  I
• 9:04
  think
• 9:04
  about
• 9:04
  it
• 9:04
  right
• 9:05
  now.
• 9:05
  When
• 9:05
  I
• 9:05
  look
• 9:05
  back
• 9:05
  as
• 9:06
  a
• 9:06
  kid,
• 9:06
  I
• 9:06
  don't
• 9:07
  remember
• 9:07
  any
• 9:07
  of
• 9:07
  the
• 9:07
  gifts
• 9:08
  that
• 9:08
  my
• 9:08
  family
• 9:08
  gave
• 9:09
  me.
• 9:09
  But
• 9:09
  man,
• 9:10
  I
• 9:10
  tell
• 9:10
  you
• 9:10
  what,
• 9:10
  my
• 9:10
  mother
• 9:11
  probably
• 9:11
  went
• 9:11
  into
• 9:11
  debt
• 9:11
  to
• 9:12
  do
• 9:12
  it.
• 9:12
  But
• 9:12
  what
• 9:12
  I
• 9:13
  do
• 9:13
  remember
• 9:13
  was
• 9:13
  her
• 9:13
  love.
• 9:14
  That's
• 9:15
  what's
• 9:15
  important.
• 9:16
  See,
• 9:16
  peace
• 9:17
  is
• 9:17
  worth
• 9:17
  more
• 9:18
  than
• 9:18
  presence.
• 9:19
  And
• 9:19
  a
• 9:19
  simple
• 9:20
  decision
• 9:20
  now
• 9:21
  prevents
• 9:21
  stress
• 9:22
  later.
• 9:22
  So
• 9:22
  let
• 9:22
  this
• 9:22
  one
• 9:23
  sentence
• 9:23
  be
• 9:23
  your
• 9:23
  anchor.
• 9:24
  When
• 9:24
  tempted
• 9:25
  to
• 9:25
  overspend,
• 9:25
  go
• 9:25
  back
• 9:26
  to
• 9:26
  that.
• 9:26
  I'm
• 9:26
  not
• 9:26
  going
• 9:26
  to
• 9:27
  allow
• 9:27
  this.
• 9:28
  Let
• 9:28
  it
• 9:28
  be
• 9:28
  your
• 9:28
  guide
• 9:29
  to
• 9:29
  bring
• 9:29
  back
• 9:30
  joy,
• 9:30
  wisdom
• 9:31
  and
• 9:31
  freedom
• 9:32
  in
• 9:32
  this
• 9:32
  holiday
• 9:33
  season.
• 9:33
  Because,
• 9:34
  friend,
• 9:34
  the
• 9:34
  holidays
• 9:35
  don't
• 9:35
  have
• 9:35
  to
• 9:35
  leave
• 9:35
  you
• 9:36
  with
• 9:36
  regret.
• 9:37
  Choose
• 9:37
  love
• 9:37
  over
• 9:37
  debt,
• 9:38
  peace
• 9:38
  over
• 9:38
  pressure,
• 9:39
  and
• 9:39
  wisdom
• 9:40
  over
• 9:40
  worry.
• 9:41
  Listen,
• 9:42
  today
• 9:42
  I
• 9:42
  want
• 9:42
  to
• 9:42
  encourage
• 9:42
  you.
• 9:42
  Go
• 9:43
  out
• 9:43
  there
• 9:43
  and
• 9:43
  be
• 9:43
  a
• 9:44
  financially
• 9:44
  confident
• 9:45
  Christian.
• 9:45
  I
• 9:45
  have
• 9:45
  confidence
• 9:46
  in
• 9:46
  you.
• 9:46
  You
• 9:46
  can
• 9:47
  do
• 9:47
  this.
• 9:47
  You
• 9:47
  really
• 9:48
  can
• 9:48
  break
• 9:48
  free
• 9:48
  of
• 9:49
  this
• 9:49
  and
• 9:49
  have
• 9:49
  a
• 9:50
  joyful
• 9:50
  holiday
• 9:51
  season.
• 9:51
  Stay
• 9:52
  financially
• 9:52
  savvy.
• 9:53
  Go.
• 9:53
  God
• 9:53
  bless
• 9:54
  you.
• 9:54
  And
• 9:54
  you
• 9:54
  have
• 9:54
  a
• 9:54
  great
• 9:55
  day
• 9:55
  today.