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Behavior vs. Knowledge: Why Your Habits Matter More Than Information? · Becoming Financially Confident

• 0:37
  Do
• 0:37
  you
• 0:37
  ever
• 0:37
  say
• 0:38
  to
• 0:38
  yourself,
• 0:38
  I
• 0:39
  know
• 0:39
  what
• 0:39
  I
• 0:39
  should
• 0:39
  do,
• 0:39
  Ralph,
• 0:40
  but
• 0:41
  I
• 0:41
  just
• 0:41
  don't
• 0:41
  seem
• 0:41
  to
• 0:41
  be
• 0:41
  able
• 0:42
  to
• 0:42
  do
• 0:42
  it.
• 0:43
  I
• 0:43
  don't
• 0:43
  know
• 0:43
  about
• 0:43
  you,
• 0:44
  but
• 0:44
  I
• 0:44
  feel
• 0:44
  that
• 0:44
  way
• 0:44
  sometimes.
• 0:45
  And
• 0:45
  I
• 0:45
  got
• 0:45
  this
• 0:45
  listener
• 0:46
  question.
• 0:46
  I
• 0:46
  thought,
• 0:46
  this
• 0:46
  just
• 0:47
  nails
• 0:47
  it,
• 0:48
  Ralph.
• 0:49
  I
• 0:49
  know
• 0:49
  what
• 0:49
  I
• 0:49
  should
• 0:49
  do
• 0:50
  with
• 0:50
  my
• 0:50
  money,
• 0:51
  but
• 0:51
  I
• 0:51
  don't
• 0:52
  actually
• 0:52
  do
• 0:52
  it.
• 0:53
  Why
• 0:53
  is
• 0:53
  it
• 0:54
  so
• 0:54
  hard
• 0:54
  to
• 0:54
  follow
• 0:54
  through?
• 0:55
  Well,
• 0:55
  here's
• 0:56
  what
• 0:56
  I
• 0:56
  want
• 0:56
  to
• 0:56
  say.
• 0:56
  Welcome
• 0:56
  to
• 0:57
  the
• 0:57
  party,
• 0:57
  my
• 0:57
  friend.
• 0:57
  Because,
• 0:58
  yes,
• 0:58
  me
• 0:58
  too.
• 0:58
  It's
• 0:59
  a
• 0:59
  struggle,
• 0:59
  isn't
• 1:00
  it?
• 1:00
  Sometimes
• 1:01
  it's
• 1:01
  so
• 1:01
  hard
• 1:02
  to
• 1:02
  really
• 1:02
  understand
• 1:03
  why
• 1:04
  we
• 1:04
  don't
• 1:04
  do
• 1:04
  the
• 1:04
  things
• 1:05
  we
• 1:05
  do.
• 1:05
  So
• 1:05
  that's
• 1:05
  exactly
• 1:06
  what
• 1:06
  I'm
• 1:06
  going
• 1:06
  to
• 1:06
  cover
• 1:06
  on
• 1:06
  today's
• 1:07
  show.
• 1:09
  This
• 1:09
  is
• 1:09
  Financially
• 1:10
  Confident
• 1:10
  Christian,
• 1:11
  your
• 1:11
  daily
• 1:12
  dose
• 1:12
  of
• 1:12
  gospel,
• 1:13
  grounded
• 1:13
  insight
• 1:13
  and
• 1:14
  faith
• 1:14
  driven
• 1:14
  tips
• 1:15
  to
• 1:15
  help
• 1:15
  you
• 1:15
  break
• 1:16
  the
• 1:16
  cycle
• 1:16
  of
• 1:16
  financial
• 1:17
  shame
• 1:17
  with
• 1:17
  confidence.
• 1:20
  Hello
• 1:20
  there.
• 1:21
  Welcome
• 1:21
  to
• 1:21
  the
• 1:21
  show.
• 1:21
  My
• 1:22
  name
• 1:22
  is
• 1:22
  Ralph.
• 1:22
  I
• 1:22
  just
• 1:22
  want
• 1:23
  to
• 1:23
  thank
• 1:23
  you
• 1:23
  so
• 1:23
  much
• 1:24
  for
• 1:24
  joining
• 1:24
  me
• 1:25
  today
• 1:25
  on
• 1:25
  the
• 1:25
  show.
• 1:25
  I
• 1:25
  appreciate
• 1:26
  your
• 1:26
  time
• 1:26
  as
• 1:26
  we
• 1:27
  continue
• 1:27
  on
• 1:27
  this
• 1:28
  journey.
• 1:28
  As
• 1:29
  we
• 1:29
  talk
• 1:29
  about
• 1:29
  things.
• 1:30
  30
• 1:30
  Ways
• 1:30
  to
• 1:31
  or
• 1:31
  30
• 1:31
  Days
• 1:31
  to
• 1:32
  Improve
• 1:32
  your
• 1:32
  investment
• 1:33
  life.
• 1:34
  And
• 1:34
  you
• 1:34
  might
• 1:34
  be
• 1:35
  saying,
• 1:35
  okay,
• 1:35
  who's
• 1:35
  this
• 1:35
  guy,
• 1:36
  Ralph?
• 1:36
  Well,
• 1:36
  the
• 1:37
  truth
• 1:37
  is
• 1:37
  it's
• 1:37
  important
• 1:38
  that
• 1:38
  I
• 1:38
  talk
• 1:38
  to
• 1:38
  you
• 1:38
  today
• 1:39
  because
• 1:39
  I've
• 1:39
  worked
• 1:39
  with
• 1:40
  people
• 1:40
  for
• 1:40
  over
• 1:41
  30
• 1:41
  years
• 1:41
  in
• 1:41
  this
• 1:41
  area.
• 1:42
  I've
• 1:43
  seen
• 1:43
  situations
• 1:44
  that
• 1:44
  people
• 1:45
  understand
• 1:45
  investing.
• 1:46
  It
• 1:46
  could
• 1:46
  explain
• 1:46
  it
• 1:47
  to
• 1:47
  me
• 1:47
  perfectly.
• 1:48
  But
• 1:48
  those
• 1:48
  same
• 1:49
  people
• 1:49
  are
• 1:49
  the
• 1:49
  people
• 1:50
  that
• 1:50
  don't
• 1:50
  always
• 1:50
  contribute
• 1:51
  to
• 1:51
  their
• 1:51
  401k.
• 1:52
  They
• 1:52
  don't
• 1:52
  always
• 1:53
  do
• 1:53
  the
• 1:53
  things
• 1:53
  that
• 1:53
  they
• 1:54
  know
• 1:54
  they
• 1:54
  should
• 1:54
  do.
• 1:55
  And
• 1:55
  unfortunately,
• 1:56
  there's
• 1:56
  a
• 1:56
  true
• 1:56
  disconnect
• 1:57
  there.
• 1:58
  Then
• 1:58
  I've
• 1:58
  worked
• 1:59
  with
• 1:59
  other
• 1:59
  people.
• 1:59
  Let
• 1:59
  me
• 1:59
  just
• 2:00
  be
• 2:00
  honest
• 2:00
  with
• 2:00
  you.
• 2:00
  I've
• 2:00
  had
• 2:00
  other
• 2:00
  people
• 2:01
  that
• 2:01
  I've
• 2:01
  worked
• 2:01
  with
• 2:01
  that
• 2:02
  weren't
• 2:02
  sophisticated
• 2:02
  at
• 2:03
  all.
• 2:03
  They
• 2:03
  had
• 2:03
  no
• 2:03
  idea
• 2:04
  about
• 2:04
  investment
• 2:04
  knowledge.
• 2:05
  But
• 2:06
  you
• 2:06
  know
• 2:06
  what
• 2:06
  they
• 2:06
  did?
• 2:06
  They
• 2:07
  were
• 2:07
  consistent,
• 2:08
  they
• 2:08
  were
• 2:08
  diligent,
• 2:09
  they
• 2:09
  saved
• 2:09
  a
• 2:10
  little
• 2:10
  with
• 2:10
  each
• 2:10
  and
• 2:10
  every
• 2:10
  paycheck.
• 2:11
  Truth
• 2:12
  is,
• 2:12
  they
• 2:12
  made
• 2:12
  it
• 2:12
  automatic.
• 2:13
  And
• 2:13
  I've
• 2:13
  talked
• 2:13
  about
• 2:13
  that
• 2:14
  on
• 2:14
  the
• 2:14
  show
• 2:14
  so
• 2:14
  many
• 2:14
  times.
• 2:15
  When
• 2:15
  you
• 2:15
  make
• 2:15
  it
• 2:16
  automatic,
• 2:16
  that's
• 2:17
  when
• 2:17
  you
• 2:17
  can
• 2:17
  actually
• 2:18
  build
• 2:18
  wealth.
• 2:19
  And
• 2:19
  I'll
• 2:19
  tell
• 2:20
  you,
• 2:20
  when
• 2:20
  I
• 2:20
  was
• 2:20
  a
• 2:20
  kid,
• 2:20
  I
• 2:20
  used
• 2:20
  to
• 2:20
  play
• 2:21
  football.
• 2:22
  Football
• 2:22
  was
• 2:22
  my
• 2:22
  passion.
• 2:23
  And
• 2:23
  I
• 2:23
  had
• 2:23
  a
• 2:23
  coach
• 2:23
  one
• 2:24
  time
• 2:24
  say
• 2:24
  to
• 2:24
  me,
• 2:25
  because
• 2:25
  I
• 2:25
  wasn't
• 2:25
  a
• 2:26
  great
• 2:26
  football
• 2:26
  player,
• 2:26
  I
• 2:27
  didn't
• 2:27
  have
• 2:27
  that
• 2:27
  talent
• 2:28
  that
• 2:28
  so
• 2:28
  many
• 2:28
  professional
• 2:29
  and
• 2:29
  college
• 2:30
  football
• 2:30
  players
• 2:30
  said.
• 2:31
  But
• 2:32
  he
• 2:32
  said
• 2:32
  to
• 2:32
  me,
• 2:32
  Ralph,
• 2:32
  he
• 2:33
  said,
• 2:33
  you
• 2:33
  know
• 2:33
  what
• 2:34
  he
• 2:34
  said?
• 2:34
  90%
• 2:35
  of
• 2:35
  this
• 2:35
  is
• 2:36
  heart.
• 2:37
  Do
• 2:37
  you
• 2:37
  have
• 2:37
  a
• 2:37
  heart
• 2:38
  for
• 2:38
  it?
• 2:38
  Do
• 2:38
  you
• 2:39
  have
• 2:39
  that
• 2:39
  desire?
• 2:39
  Do
• 2:40
  you
• 2:40
  have
• 2:40
  that
• 2:40
  diligence
• 2:41
  do
• 2:41
  you
• 2:41
  have
• 2:41
  that
• 2:41
  eagerness
• 2:43
  even
• 2:43
  more
• 2:43
  than
• 2:43
  talent?
• 2:44
  And
• 2:44
  that's
• 2:44
  really
• 2:45
  what
• 2:45
  we're
• 2:45
  talking
• 2:45
  about
• 2:45
  today.
• 2:46
  Do
• 2:46
  you
• 2:46
  have
• 2:46
  a
• 2:46
  heart
• 2:47
  for
• 2:47
  investing?
• 2:48
  Because
• 2:48
  so
• 2:49
  many
• 2:49
  of
• 2:49
  us
• 2:49
  know
• 2:49
  what
• 2:49
  we
• 2:49
  should
• 2:50
  do.
• 2:50
  It's
• 2:50
  kind
• 2:50
  of
• 2:50
  like
• 2:50
  a
• 2:51
  diet.
• 2:51
  For
• 2:52
  many
• 2:52
  years,
• 2:52
  I
• 2:53
  was
• 2:53
  a
• 2:53
  big
• 2:53
  overweight
• 2:54
  guy.
• 2:54
  Listen,
• 2:54
  I'm
• 2:54
  still
• 2:54
  a
• 2:55
  little
• 2:55
  overweight.
• 2:56
  I
• 2:56
  knew
• 2:56
  what
• 2:57
  I
• 2:57
  should
• 2:57
  be
• 2:57
  doing.
• 2:57
  I
• 2:57
  didn't
• 2:58
  need
• 2:58
  somebody
• 2:58
  to
• 2:58
  tell
• 2:58
  me,
• 2:58
  Ralph,
• 2:59
  you
• 2:59
  need
• 2:59
  to
• 2:59
  eat
• 3:00
  less,
• 3:00
  you
• 3:00
  need
• 3:00
  to
• 3:00
  exercise
• 3:01
  more,
• 3:01
  you
• 3:01
  need
• 3:01
  to
• 3:01
  choose
• 3:02
  to
• 3:02
  eat
• 3:02
  these
• 3:02
  better
• 3:03
  things.
• 3:03
  And
• 3:04
  I
• 3:04
  remember
• 3:04
  When
• 3:04
  I
• 3:04
  hit
• 3:04
  430
• 3:05
  pounds,
• 3:06
  my
• 3:07
  health
• 3:07
  was
• 3:07
  out
• 3:08
  of
• 3:08
  control.
• 3:09
  And
• 3:09
  even
• 3:09
  at
• 3:09
  that
• 3:09
  point,
• 3:10
  I
• 3:10
  knew
• 3:10
  what
• 3:10
  I
• 3:10
  should
• 3:11
  do.
• 3:12
  But
• 3:12
  it
• 3:12
  took
• 3:12
  that
• 3:13
  dedication,
• 3:13
  it
• 3:13
  took
• 3:13
  that
• 3:14
  daily
• 3:14
  diligence
• 3:15
  to
• 3:15
  say,
• 3:15
  okay,
• 3:15
  here's
• 3:16
  what
• 3:16
  I
• 3:16
  should
• 3:16
  do.
• 3:16
  Now
• 3:17
  how
• 3:17
  do
• 3:17
  I
• 3:17
  make
• 3:17
  that
• 3:17
  happen?
• 3:18
  I'll
• 3:18
  tell
• 3:18
  you
• 3:19
  a
• 3:19
  story.
• 3:19
  I
• 3:19
  had
• 3:19
  a
• 3:19
  client,
• 3:20
  well
• 3:20
  educated
• 3:20
  guy.
• 3:21
  I
• 3:21
  mean,
• 3:21
  this
• 3:21
  guy
• 3:21
  had
• 3:21
  gone
• 3:22
  to
• 3:22
  school
• 3:22
  for
• 3:22
  business
• 3:23
  management.
• 3:23
  He
• 3:23
  knew
• 3:24
  all
• 3:24
  the
• 3:24
  financial
• 3:24
  rules.
• 3:25
  Honestly,
• 3:25
  he
• 3:25
  probably
• 3:26
  knew
• 3:26
  him
• 3:26
  better
• 3:26
  than
• 3:26
  I
• 3:26
  did.
• 3:27
  But
• 3:27
  this
• 3:28
  guy
• 3:28
  never
• 3:28
  set
• 3:28
  up
• 3:28
  those
• 3:29
  automatic
• 3:29
  savings
• 3:30
  rules.
• 3:30
  He
• 3:31
  never
• 3:31
  put
• 3:31
  the
• 3:31
  effort
• 3:32
  in.
• 3:32
  He
• 3:32
  never
• 3:32
  made
• 3:32
  that
• 3:33
  diligence.
• 3:33
  He
• 3:33
  never
• 3:33
  made
• 3:34
  it
• 3:34
  automatic.
• 3:35
  Then
• 3:35
  I
• 3:35
  had
• 3:36
  another
• 3:36
  client.
• 3:36
  This
• 3:36
  guy
• 3:36
  was
• 3:37
  just
• 3:37
  a
• 3:37
  hard
• 3:37
  working,
• 3:38
  what
• 3:38
  they
• 3:38
  call
• 3:38
  blue
• 3:38
  collar
• 3:39
  guy.
• 3:39
  Just
• 3:39
  worked
• 3:40
  hard
• 3:40
  every
• 3:40
  day,
• 3:40
  worked
• 3:41
  with
• 3:41
  his
• 3:41
  hands,
• 3:41
  got
• 3:41
  in
• 3:42
  there
• 3:42
  and
• 3:42
  got
• 3:42
  dirty.
• 3:43
  But
• 3:43
  the
• 3:43
  thing
• 3:44
  he
• 3:44
  did
• 3:44
  is
• 3:44
  he
• 3:44
  saved
• 3:45
  a
• 3:45
  little
• 3:45
  bit
• 3:45
  with
• 3:45
  each
• 3:45
  and
• 3:46
  every
• 3:46
  paycheck.
• 3:47
  So
• 3:48
  let
• 3:48
  me
• 3:48
  ask
• 3:48
  you
• 3:48
  this
• 3:48
  question.
• 3:50
  At
• 3:50
  the
• 3:50
  end,
• 3:50
  who
• 3:51
  do
• 3:51
  you
• 3:51
  think
• 3:51
  ended
• 3:51
  up
• 3:51
  with
• 3:52
  more?
• 3:53
  You'll
• 3:54
  be
• 3:54
  amazed
• 3:54
  at
• 3:54
  the
• 3:54
  results.
• 3:56
  The
• 3:56
  person
• 3:56
  who
• 3:57
  made
• 3:57
  it
• 3:57
  diligent.
• 3:57
  Not
• 3:58
  the
• 3:58
  person
• 3:58
  who
• 3:58
  had
• 3:58
  all
• 3:58
  the
• 3:58
  education,
• 3:59
  not
• 3:59
  the
• 3:59
  person
• 4:00
  who
• 4:00
  understood
• 4:01
  all
• 4:01
  the
• 4:01
  financial
• 4:01
  derivatives
• 4:02
  and
• 4:02
  all
• 4:02
  the
• 4:03
  financial
• 4:03
  markets.
• 4:04
  It
• 4:04
  was
• 4:04
  the
• 4:04
  person
• 4:05
  that
• 4:05
  was
• 4:05
  diligent.
• 4:06
  It
• 4:06
  was
• 4:06
  the
• 4:06
  person
• 4:06
  that,
• 4:06
  day
• 4:07
  in
• 4:07
  and
• 4:07
  day
• 4:07
  out,
• 4:08
  they
• 4:08
  made
• 4:08
  it
• 4:08
  a
• 4:08
  purpose
• 4:09
  to
• 4:09
  do
• 4:09
  that.
• 4:10
  And
• 4:11
  I
• 4:11
  heard
• 4:11
  this
• 4:11
  quote
• 4:11
  from
• 4:11
  James
• 4:12
  Clear.
• 4:12
  Now,
• 4:12
  James
• 4:12
  Clear
• 4:13
  wrote
• 4:13
  this
• 4:13
  book
• 4:13
  called
• 4:13
  Atomic
• 4:14
  Habits,
• 4:14
  a
• 4:14
  great
• 4:14
  book.
• 4:15
  If
• 4:15
  you
• 4:15
  have
• 4:15
  a
• 4:15
  chance
• 4:15
  to
• 4:15
  read
• 4:15
  it,
• 4:16
  I
• 4:16
  would
• 4:16
  highly
• 4:16
  encourage
• 4:17
  it.
• 4:18
  And
• 4:18
  what
• 4:18
  he
• 4:18
  says
• 4:19
  is
• 4:19
  just
• 4:19
  so
• 4:20
  important
• 4:20
  for
• 4:20
  what
• 4:20
  we're
• 4:20
  talking
• 4:21
  about
• 4:21
  today.
• 4:21
  And
• 4:21
  this
• 4:21
  is
• 4:21
  what
• 4:22
  James
• 4:22
  said.
• 4:23
  He
• 4:23
  said,
• 4:23
  you
• 4:23
  do
• 4:24
  not
• 4:24
  rise
• 4:24
  to
• 4:24
  the
• 4:24
  level
• 4:25
  of
• 4:25
  your
• 4:25
  goals,
• 4:26
  you
• 4:26
  fall
• 4:27
  to
• 4:27
  the
• 4:27
  level
• 4:27
  of
• 4:27
  your
• 4:27
  systems.
• 4:29
  And
• 4:29
  he's
• 4:30
  getting
• 4:30
  at
• 4:30
  it
• 4:30
  right
• 4:30
  there
• 4:30
  because
• 4:30
  he's
• 4:31
  basically
• 4:31
  saying
• 4:31
  what
• 4:31
  we're
• 4:32
  talking
• 4:32
  about
• 4:32
  today.
• 4:33
  You
• 4:33
  might
• 4:33
  have
• 4:34
  these
• 4:34
  goals,
• 4:34
  these
• 4:34
  intentions,
• 4:35
  these
• 4:35
  pie
• 4:35
  in
• 4:36
  the
• 4:36
  sky
• 4:36
  ideas.
• 4:36
  You're
• 4:36
  going
• 4:37
  to
• 4:37
  do
• 4:37
  this
• 4:37
  and
• 4:37
  you're
• 4:37
  going
• 4:37
  to
• 4:37
  do
• 4:37
  that.
• 4:39
  But
• 4:39
  if
• 4:39
  you
• 4:39
  don't
• 4:39
  have
• 4:39
  the
• 4:40
  system
• 4:40
  to
• 4:40
  do
• 4:40
  it,
• 4:42
  you're
• 4:42
  not
• 4:42
  going
• 4:42
  to
• 4:42
  do
• 4:42
  it.
• 4:42
  See
• 4:43
  that
• 4:43
  system,
• 4:43
  it's
• 4:43
  all
• 4:44
  about
• 4:44
  building
• 4:44
  that
• 4:44
  consistency.
• 4:46
  So
• 4:46
  now
• 4:46
  you're
• 4:47
  saying,
• 4:47
  Ralph,
• 4:47
  okay,
• 4:47
  great,
• 4:48
  I
• 4:48
  get
• 4:48
  it,
• 4:48
  Ralph.
• 4:48
  I
• 4:49
  know
• 4:49
  what
• 4:49
  I
• 4:49
  need
• 4:49
  to
• 4:49
  do
• 4:50
  and
• 4:50
  I'm
• 4:51
  not
• 4:51
  doing
• 4:51
  it.
• 4:51
  So
• 4:52
  how
• 4:52
  do
• 4:52
  we
• 4:52
  build
• 4:52
  that
• 4:53
  system
• 4:53
  of
• 4:53
  consistency?
• 4:55
  Well,
• 4:55
  I've
• 4:56
  got
• 4:56
  a
• 4:56
  solution
• 4:56
  for
• 4:56
  you
• 4:56
  today.
• 4:57
  It
• 4:57
  all
• 4:57
  starts
• 4:57
  with
• 4:58
  moving
• 4:58
  beyond
• 4:58
  your
• 4:59
  head
• 4:59
  and
• 4:59
  into
• 5:00
  your
• 5:00
  hands.
• 5:00
  See,
• 5:01
  it's
• 5:01
  easy
• 5:02
  to
• 5:02
  know
• 5:02
  a
• 5:02
  whole
• 5:03
  lot.
• 5:03
  I've
• 5:03
  met
• 5:03
  some
• 5:04
  of
• 5:04
  the
• 5:04
  most
• 5:04
  well
• 5:04
  educated
• 5:05
  people,
• 5:05
  knew
• 5:06
  all
• 5:06
  the
• 5:06
  ideas
• 5:06
  about
• 5:07
  finances
• 5:07
  in
• 5:07
  the
• 5:07
  world.
• 5:09
  But
• 5:09
  that
• 5:09
  knowing,
• 5:10
  just
• 5:10
  having
• 5:10
  understanding
• 5:12
  doesn't
• 5:12
  move
• 5:12
  money.
• 5:13
  It
• 5:13
  doesn't
• 5:13
  do
• 5:13
  anything.
• 5:14
  You
• 5:14
  can
• 5:14
  have
• 5:14
  the
• 5:15
  greatest
• 5:15
  knowledge
• 5:15
  in
• 5:15
  the
• 5:15
  world,
• 5:16
  but
• 5:16
  if
• 5:16
  you
• 5:16
  don't
• 5:16
  put
• 5:16
  it
• 5:16
  into
• 5:17
  practice.
• 5:18
  See,
• 5:18
  I
• 5:18
  say
• 5:19
  this
• 5:19
  on
• 5:19
  the
• 5:19
  show
• 5:19
  all
• 5:19
  the
• 5:19
  time.
• 5:20
  Intentions
• 5:20
  are
• 5:20
  great,
• 5:22
  but
• 5:22
  it's
• 5:22
  all
• 5:22
  about
• 5:22
  action.
• 5:23
  See,
• 5:23
  action
• 5:24
  is
• 5:24
  where
• 5:24
  it
• 5:25
  comes
• 5:25
  at.
• 5:25
  So
• 5:25
  move
• 5:25
  out
• 5:26
  of
• 5:26
  your
• 5:26
  head
• 5:26
  and
• 5:26
  move
• 5:26
  into
• 5:27
  your
• 5:27
  hands.
• 5:27
  Think
• 5:27
  of
• 5:28
  a
• 5:28
  marriage.
• 5:29
  I've
• 5:29
  been
• 5:29
  married
• 5:29
  for
• 5:29
  25
• 5:30
  years.
• 5:30
  Just
• 5:30
  celebrated
• 5:31
  my
• 5:31
  25th
• 5:32
  anniversary
• 5:32
  a
• 5:32
  few
• 5:32
  weeks
• 5:33
  ago.
• 5:34
  Now,
• 5:34
  one
• 5:34
  of
• 5:34
  the
• 5:34
  things
• 5:34
  when
• 5:34
  we
• 5:34
  first
• 5:35
  got
• 5:35
  together,
• 5:35
  my
• 5:35
  wife
• 5:36
  said
• 5:36
  to
• 5:36
  me,
• 5:36
  Ralph,
• 5:36
  I
• 5:37
  would
• 5:37
  love
• 5:37
  it
• 5:37
  if
• 5:37
  you
• 5:37
  would
• 5:37
  take
• 5:38
  out
• 5:38
  the
• 5:38
  trash.
• 5:39
  Now
• 5:39
  I
• 5:39
  could
• 5:40
  say,
• 5:40
  you
• 5:40
  know
• 5:40
  what,
• 5:40
  I'm
• 5:40
  going
• 5:40
  to
• 5:40
  take
• 5:40
  out
• 5:41
  the
• 5:41
  trash
• 5:41
  one
• 5:41
  time
• 5:42
  and
• 5:42
  I
• 5:42
  get
• 5:42
  the
• 5:42
  bonus
• 5:43
  points.
• 5:43
  I
• 5:43
  took
• 5:43
  out
• 5:43
  the
• 5:44
  trash
• 5:44
  one
• 5:44
  time.
• 5:45
  But
• 5:45
  that's
• 5:45
  not
• 5:46
  the
• 5:46
  answer.
• 5:47
  The
• 5:47
  answer
• 5:47
  is
• 5:48
  you
• 5:48
  love
• 5:48
  your
• 5:48
  wife.
• 5:48
  And
• 5:49
  husbands
• 5:49
  listen
• 5:49
  to
• 5:49
  me
• 5:49
  right
• 5:50
  now,
• 5:50
  Christ
• 5:50
  says,
• 5:51
  love
• 5:51
  your
• 5:51
  wife
• 5:51
  as
• 5:52
  Jesus.
• 5:52
  Think
• 5:52
  of
• 5:52
  a
• 5:53
  marriage
• 5:53
  like
• 5:53
  this.
• 5:54
  The
• 5:54
  Bible
• 5:55
  says
• 5:55
  this.
• 5:56
  Love
• 5:56
  your
• 5:56
  wife
• 5:57
  as
• 5:57
  Christ
• 5:57
  loves
• 5:58
  the
• 5:58
  church.
• 5:59
  If
• 6:00
  I
• 6:00
  just
• 6:00
  took
• 6:00
  out
• 6:00
  the
• 6:00
  trash
• 6:01
  one
• 6:01
  time,
• 6:02
  that
• 6:02
  wouldn't
• 6:02
  be
• 6:02
  of
• 6:03
  any
• 6:03
  value,
• 6:03
  right?
• 6:04
  Well,
• 6:04
  if
• 6:04
  you're
• 6:04
  doing
• 6:04
  your
• 6:05
  investments
• 6:05
  the
• 6:05
  same
• 6:05
  way,
• 6:05
  if
• 6:06
  you
• 6:06
  just
• 6:06
  throw
• 6:06
  that
• 6:06
  money
• 6:06
  in
• 6:07
  that
• 6:07
  investment
• 6:07
  one
• 6:07
  time,
• 6:08
  it's
• 6:08
  not
• 6:08
  going
• 6:08
  to
• 6:09
  matter.
• 6:09
  It's
• 6:10
  when
• 6:10
  you
• 6:10
  do
• 6:10
  it
• 6:10
  consistently,
• 6:11
  it's
• 6:12
  building
• 6:12
  those
• 6:12
  consistent
• 6:13
  habits.
• 6:14
  And
• 6:14
  that's
• 6:14
  the
• 6:14
  thing
• 6:14
  I
• 6:14
  want
• 6:14
  to
• 6:14
  talk
• 6:15
  about
• 6:15
  today.
• 6:15
  The
• 6:15
  next
• 6:16
  step
• 6:16
  to
• 6:16
  this
• 6:16
  is
• 6:17
  building
• 6:17
  that
• 6:17
  consistency.
• 6:18
  And
• 6:18
  again,
• 6:19
  these
• 6:19
  don't
• 6:19
  have
• 6:19
  to
• 6:19
  be
• 6:20
  elaborate
• 6:20
  things,
• 6:22
  just
• 6:22
  simple
• 6:22
  habits.
• 6:23
  Automating
• 6:24
  those
• 6:24
  contributions,
• 6:25
  building
• 6:25
  that
• 6:26
  routine,
• 6:27
  maybe
• 6:28
  even
• 6:28
  think
• 6:28
  about
• 6:28
  it,
• 6:28
  like
• 6:28
  set
• 6:29
  it
• 6:29
  and
• 6:29
  forget
• 6:29
  it.
• 6:29
  Go
• 6:29
  to
• 6:29
  your
• 6:30
  HR
• 6:30
  person
• 6:30
  and
• 6:31
  say,
• 6:31
  listen,
• 6:31
  I
• 6:31
  know
• 6:32
  we've
• 6:32
  got
• 6:32
  this
• 6:32
  401k,
• 6:33
  I
• 6:33
  know
• 6:33
  we've
• 6:33
  got
• 6:33
  this
• 6:33
  retirement
• 6:34
  plan.
• 6:34
  Let's
• 6:35
  do
• 6:35
  this.
• 6:36
  And
• 6:36
  let
• 6:36
  me
• 6:36
  just
• 6:36
  tell
• 6:36
  you
• 6:36
  right
• 6:37
  now,
• 6:37
  that
• 6:38
  action,
• 6:39
  that
• 6:39
  taking
• 6:40
  that
• 6:40
  intentional
• 6:40
  action
• 6:41
  is
• 6:41
  better
• 6:42
  than
• 6:42
  any
• 6:42
  once
• 6:42
  in
• 6:43
  a
• 6:43
  while
• 6:43
  thing
• 6:43
  to
• 6:43
  do.
• 6:44
  And
• 6:45
  it's
• 6:45
  all
• 6:45
  about
• 6:45
  those
• 6:45
  systems.
• 6:46
  Clear
• 6:46
  mentioned
• 6:47
  this
• 6:47
  earlier.
• 6:48
  Make
• 6:48
  the
• 6:48
  right
• 6:48
  choice
• 6:49
  and
• 6:49
  make
• 6:49
  it
• 6:49
  automatic
• 6:50
  because
• 6:50
  small
• 6:50
  changes
• 6:51
  stick.
• 6:52
  It's
• 6:52
  all
• 6:52
  about
• 6:53
  your
• 6:53
  systems.
• 6:54
  Think
• 6:54
  about
• 6:55
  this.
• 6:55
  Small
• 6:55
  steps,
• 6:56
  just
• 6:56
  $25
• 6:57
  a
• 6:57
  month
• 6:58
  will
• 6:58
  add
• 6:58
  up
• 6:58
  to
• 6:59
  something
• 6:59
  so
• 6:59
  much
• 6:59
  greater
• 7:00
  than
• 7:00
  just
• 7:00
  one
• 7:00
  time.
• 7:01
  $500,
• 7:02
  someday
• 7:02
  or
• 7:02
  never.
• 7:02
  I
• 7:03
  don't
• 7:03
  know
• 7:03
  how
• 7:03
  many
• 7:03
  times
• 7:03
  I've
• 7:03
  worked
• 7:03
  with
• 7:04
  people.
• 7:04
  They
• 7:04
  say,
• 7:04
  Ralph,
• 7:04
  someday
• 7:05
  I'm
• 7:05
  going
• 7:05
  to
• 7:05
  put
• 7:05
  money
• 7:06
  away
• 7:06
  for
• 7:06
  retirement.
• 7:07
  Someday
• 7:07
  I'm
• 7:08
  going
• 7:08
  to
• 7:08
  pay
• 7:08
  off
• 7:08
  my
• 7:08
  debt.
• 7:09
  Someday
• 7:09
  I'm
• 7:09
  going
• 7:09
  to
• 7:09
  pay
• 7:10
  down
• 7:10
  those
• 7:10
  credit
• 7:10
  cards.
• 7:11
  Someday
• 7:11
  I'm
• 7:12
  going
• 7:12
  to
• 7:12
  build
• 7:12
  that
• 7:12
  emergency
• 7:13
  fund.
• 7:14
  Your
• 7:14
  someday
• 7:15
  is
• 7:15
  today
• 7:16
  and
• 7:16
  tomorrow
• 7:17
  and
• 7:17
  the
• 7:17
  next
• 7:17
  day.
• 7:18
  It's
• 7:18
  all
• 7:19
  about
• 7:19
  building
• 7:19
  that
• 7:19
  consistency.
• 7:20
  Don't
• 7:21
  wait
• 7:21
  until
• 7:21
  you
• 7:21
  know
• 7:21
  you
• 7:21
  have
• 7:22
  enough.
• 7:22
  So
• 7:22
  many
• 7:22
  people
• 7:23
  will
• 7:23
  say
• 7:23
  to
• 7:23
  me,
• 7:23
  Ralph,
• 7:24
  you
• 7:24
  know,
• 7:24
  when
• 7:24
  I
• 7:24
  make
• 7:24
  a
• 7:24
  little
• 7:24
  bit
• 7:25
  extra
• 7:25
  money,
• 7:25
  I'll
• 7:25
  do
• 7:26
  this.
• 7:26
  When
• 7:26
  I
• 7:27
  set
• 7:27
  aside
• 7:27
  a
• 7:27
  little
• 7:27
  bit
• 7:28
  more,
• 7:28
  when
• 7:28
  I
• 7:28
  get
• 7:28
  that
• 7:28
  big
• 7:29
  raise,
• 7:30
  you
• 7:31
  know,
• 7:31
  enough
• 7:31
  right
• 7:31
  now.
• 7:31
  Act
• 7:32
  on
• 7:32
  what
• 7:32
  you
• 7:32
  know
• 7:32
  right
• 7:33
  now.
• 7:33
  Because
• 7:33
  truth
• 7:33
  is,
• 7:34
  you
• 7:34
  can
• 7:34
  do
• 7:34
  this.
• 7:35
  You
• 7:36
  can
• 7:36
  make
• 7:36
  these
• 7:36
  impactful
• 7:37
  things.
• 7:38
  My
• 7:39
  grandfather
• 7:39
  used
• 7:39
  to
• 7:39
  say
• 7:39
  this
• 7:40
  all
• 7:40
  the
• 7:40
  time,
• 7:40
  and
• 7:40
  he
• 7:41
  was
• 7:41
  a
• 7:41
  good
• 7:41
  old
• 7:41
  Southern
• 7:42
  fellow.
• 7:42
  Actually,
• 7:43
  him
• 7:43
  and
• 7:43
  I
• 7:43
  were
• 7:43
  very
• 7:43
  close.
• 7:44
  He
• 7:44
  actually
• 7:44
  was
• 7:44
  the
• 7:44
  one
• 7:45
  that
• 7:45
  brought
• 7:45
  me
• 7:45
  to
• 7:45
  salvation
• 7:46
  at
• 7:46
  age
• 7:46
  13.
• 7:46
  And
• 7:47
  he
• 7:47
  said
• 7:47
  this
• 7:47
  one
• 7:47
  time,
• 7:47
  and
• 7:48
  he
• 7:48
  is
• 7:48
  so
• 7:48
  right
• 7:48
  about
• 7:48
  this.
• 7:50
  He
• 7:50
  said,
• 7:50
  if
• 7:50
  you
• 7:50
  aspire
• 7:51
  to
• 7:51
  greatness,
• 7:52
  if
• 7:53
  you
• 7:53
  envision
• 7:53
  that
• 7:53
  greatness,
• 7:54
  what
• 7:54
  that
• 7:54
  looks
• 7:54
  like
• 7:55
  in
• 7:55
  your
• 7:55
  life,
• 7:56
  and
• 7:56
  you
• 7:56
  start
• 7:56
  to
• 7:57
  live
• 7:57
  in
• 7:57
  that
• 7:57
  greatness,
• 7:59
  that
• 7:59
  does
• 7:59
  become
• 7:59
  your
• 8:00
  reality.
• 8:02
  And
• 8:02
  I
• 8:02
  think
• 8:02
  we
• 8:02
  all
• 8:02
  can
• 8:02
  learn
• 8:03
  from
• 8:03
  that.
• 8:03
  And
• 8:03
  let's
• 8:03
  get
• 8:03
  right
• 8:03
  to
• 8:04
  the
• 8:04
  Bible.
• 8:04
  You
• 8:04
  always
• 8:04
  want
• 8:04
  to
• 8:05
  tie
• 8:05
  scripture
• 8:05
  into
• 8:05
  this.
• 8:06
  And
• 8:06
  I
• 8:06
  love
• 8:06
  this
• 8:07
  verse
• 8:07
  from
• 8:07
  the
• 8:07
  Book
• 8:07
  of
• 8:08
  James,
• 8:08
  chapter
• 8:08
  one,
• 8:09
  verse
• 8:09
  22.
• 8:10
  And
• 8:10
  this
• 8:11
  might
• 8:11
  step
• 8:11
  on
• 8:11
  your
• 8:11
  toes
• 8:12
  a
• 8:12
  little
• 8:12
  bit.
• 8:12
  It
• 8:12
  stepped
• 8:12
  on
• 8:12
  mine
• 8:13
  when
• 8:13
  I
• 8:13
  was
• 8:13
  preparing
• 8:14
  for
• 8:14
  the
• 8:14
  show
• 8:14
  today.
• 8:15
  It
• 8:16
  says,
• 8:16
  do
• 8:16
  not
• 8:16
  merely
• 8:17
  listen
• 8:17
  to
• 8:17
  the
• 8:17
  Word
• 8:19
  and
• 8:19
  so
• 8:19
  deceive
• 8:20
  yourselves.
• 8:21
  Do
• 8:21
  what
• 8:22
  it
• 8:22
  says.
• 8:24
  And
• 8:24
  we
• 8:24
  can
• 8:24
  all
• 8:24
  take
• 8:24
  a
• 8:25
  listen
• 8:25
  and
• 8:25
  say,
• 8:25
  wait
• 8:25
  a
• 8:25
  minute.
• 8:26
  Hey,
• 8:26
  you
• 8:26
  know
• 8:26
  what?
• 8:27
  We
• 8:27
  can
• 8:27
  listen
• 8:28
  to
• 8:28
  the
• 8:28
  Word.
• 8:28
  A
• 8:28
  lot
• 8:28
  of
• 8:28
  us
• 8:29
  sit
• 8:29
  in
• 8:29
  church
• 8:29
  or
• 8:29
  we
• 8:30
  read
• 8:30
  our
• 8:30
  Bibles
• 8:30
  and
• 8:31
  we
• 8:31
  listen
• 8:31
  to
• 8:31
  it,
• 8:31
  we
• 8:32
  hear
• 8:32
  it,
• 8:33
  but
• 8:33
  are
• 8:34
  we
• 8:34
  doing
• 8:34
  what
• 8:34
  it
• 8:34
  says?
• 8:36
  And
• 8:36
  that's
• 8:36
  one
• 8:36
  of
• 8:36
  the
• 8:37
  reasons
• 8:37
  I
• 8:37
  tie
• 8:37
  these
• 8:37
  two
• 8:38
  pieces
• 8:38
  together.
• 8:38
  A
• 8:38
  lot
• 8:38
  of
• 8:38
  people
• 8:38
  say,
• 8:39
  Ralph,
• 8:39
  you're
• 8:39
  crazy.
• 8:40
  Faith
• 8:40
  and
• 8:40
  finances
• 8:41
  should
• 8:41
  not
• 8:41
  be
• 8:41
  mixed
• 8:42
  together.
• 8:44
  But
• 8:44
  the
• 8:44
  Bible
• 8:44
  talks
• 8:44
  about
• 8:45
  finances
• 8:45
  from
• 8:45
  the
• 8:45
  back
• 8:46
  of
• 8:46
  the
• 8:46
  front
• 8:46
  to
• 8:46
  the
• 8:46
  book.
• 8:47
  And
• 8:48
  I
• 8:48
  love
• 8:48
  what
• 8:48
  Proverbs
• 8:48
  13:4
• 8:49
  says.
• 8:50
  Again,
• 8:50
  I'm
• 8:51
  going
• 8:51
  to
• 8:51
  step
• 8:51
  on
• 8:51
  some
• 8:51
  toes.
• 8:52
  I'm
• 8:52
  going
• 8:52
  to
• 8:52
  use
• 8:53
  a
• 8:53
  term
• 8:53
  here
• 8:53
  called
• 8:53
  sluggard.
• 8:55
  My
• 8:55
  minister
• 8:55
  at
• 8:56
  church
• 8:56
  had
• 8:56
  talked
• 8:56
  about
• 8:56
  sluggers
• 8:57
  one
• 8:57
  time.
• 8:57
  Everybody
• 8:57
  said,
• 8:57
  oh,
• 8:58
  Bill,
• 8:58
  you
• 8:58
  can't
• 8:58
  say
• 8:58
  that
• 8:58
  in
• 8:59
  church.
• 8:59
  But
• 8:59
  what
• 9:00
  does
• 9:00
  Proverbs
• 9:00
  13:4
• 9:01
  says?
• 9:02
  It
• 9:02
  says,
• 9:02
  a
• 9:03
  slugger's
• 9:03
  appetite
• 9:04
  is
• 9:04
  never
• 9:04
  filled,
• 9:05
  but
• 9:06
  the
• 9:06
  desires
• 9:06
  of
• 9:06
  the
• 9:06
  diligent
• 9:08
  are
• 9:08
  fully
• 9:08
  satisfied.
• 9:11
  See,
• 9:11
  the
• 9:11
  moral
• 9:11
  of
• 9:11
  the
• 9:11
  story
• 9:11
  here
• 9:12
  is
• 9:12
  God
• 9:13
  rewards
• 9:13
  diligence.
• 9:14
  God
• 9:14
  rewards
• 9:15
  consistency.
• 9:16
  God
• 9:16
  rewards
• 9:16
  that
• 9:17
  daily
• 9:17
  action
• 9:18
  of
• 9:18
  faith.
• 9:20
  So
• 9:20
  don't
• 9:20
  be
• 9:20
  a
• 9:20
  slugger
• 9:21
  today.
• 9:22
  You
• 9:22
  know
• 9:22
  what
• 9:22
  you
• 9:22
  should
• 9:23
  do?
• 9:23
  Go
• 9:24
  do
• 9:24
  it.
• 9:24
  How
• 9:25
  about
• 9:25
  we
• 9:25
  pray
• 9:25
  together
• 9:25
  right
• 9:26
  now?
• 9:27
  Lord,
• 9:27
  we
• 9:27
  just
• 9:27
  come
• 9:27
  to
• 9:27
  you
• 9:28
  right
• 9:28
  now.
• 9:28
  We
• 9:28
  thank
• 9:28
  you
• 9:28
  for
• 9:29
  a
• 9:29
  heart,
• 9:29
  Lord,
• 9:30
  and
• 9:30
  we
• 9:30
  thank
• 9:30
  you
• 9:30
  for
• 9:31
  faith
• 9:31
  that
• 9:31
  surpasses
• 9:32
  all
• 9:32
  understanding.
• 9:33
  And
• 9:34
  Lord,
• 9:34
  we
• 9:34
  just
• 9:34
  ask
• 9:34
  you
• 9:34
  right
• 9:35
  now
• 9:35
  to
• 9:35
  strengthen
• 9:35
  us
• 9:36
  as
• 9:36
  we
• 9:36
  act
• 9:36
  out
• 9:36
  in
• 9:37
  this
• 9:37
  faith.
• 9:38
  Help
• 9:38
  us
• 9:38
  to
• 9:38
  do
• 9:38
  the
• 9:38
  things
• 9:38
  that
• 9:39
  we
• 9:39
  already
• 9:39
  know,
• 9:39
  Lord,
• 9:40
  and
• 9:40
  the
• 9:40
  discipline
• 9:40
  to
• 9:41
  build
• 9:41
  those
• 9:41
  lasting
• 9:42
  habits
• 9:42
  that
• 9:42
  will
• 9:42
  be
• 9:43
  so
• 9:43
  fruitful
• 9:43
  for
• 9:44
  generations
• 9:44
  to
• 9:45
  come.
• 9:45
  Lord,
• 9:46
  help
• 9:46
  us
• 9:47
  to
• 9:47
  have
• 9:47
  faith
• 9:47
  and
• 9:47
  trust
• 9:48
  in
• 9:48
  you,
• 9:48
  Lord,
• 9:48
  above
• 9:49
  all
• 9:49
  things.
• 9:50
  Help
• 9:50
  us
• 9:51
  to
• 9:51
  be
• 9:51
  steady
• 9:51
  in
• 9:51
  our
• 9:51
  steps,
• 9:52
  not
• 9:52
  get
• 9:52
  sucked
• 9:53
  into
• 9:53
  those
• 9:53
  big
• 9:53
  dreams
• 9:54
  and
• 9:54
  those
• 9:54
  pie
• 9:55
  in
• 9:55
  the
• 9:55
  sky
• 9:55
  ideas
• 9:55
  that
• 9:56
  we
• 9:56
  never
• 9:56
  bring
• 9:56
  to
• 9:56
  full
• 9:57
  tuition.
• 9:57
  Lord,
• 9:58
  we
• 9:59
  ask
• 9:59
  this
• 9:59
  in
• 9:59
  confidence
• 10:00
  in
• 10:00
  the
• 10:00
  name
• 10:00
  of
• 10:00
  Jesus.
• 10:02
  Amen.
• 10:04
  So
• 10:04
  here's
• 10:04
  your
• 10:04
  one
• 10:04
  action
• 10:04
  step
• 10:05
  for
• 10:05
  today.
• 10:05
  Just
• 10:06
  one
• 10:06
  habit.
• 10:06
  I
• 10:06
  want
• 10:06
  you
• 10:07
  to
• 10:07
  pick
• 10:07
  one
• 10:07
  habit
• 10:07
  today
• 10:09
  and
• 10:09
  automate
• 10:10
  those
• 10:10
  things.
• 10:10
  Maybe
• 10:11
  it's
• 10:11
  automated
• 10:12
  savings.
• 10:12
  Maybe
• 10:12
  you've
• 10:12
  never
• 10:13
  really
• 10:13
  set
• 10:13
  aside
• 10:14
  that
• 10:14
  amount
• 10:14
  with
• 10:14
  each
• 10:14
  paycheck.
• 10:15
  Just
• 10:15
  decide,
• 10:16
  today
• 10:16
  I'm
• 10:16
  going
• 10:16
  to
• 10:17
  do
• 10:17
  something.
• 10:18
  Maybe
• 10:18
  it's
• 10:18
  time
• 10:18
  to
• 10:18
  track
• 10:19
  that
• 10:19
  spending.
• 10:19
  You're
• 10:19
  thinking
• 10:20
  to
• 10:20
  yourself,
• 10:20
  Ralph,
• 10:20
  I
• 10:20
  get
• 10:21
  to
• 10:21
  the
• 10:21
  end
• 10:21
  of
• 10:21
  the
• 10:21
  month,
• 10:21
  I
• 10:21
  don't
• 10:22
  know
• 10:22
  where
• 10:22
  my
• 10:22
  money
• 10:22
  is.
• 10:23
  Well,
• 10:23
  here's
• 10:24
  an
• 10:24
  opportunity
• 10:24
  to
• 10:25
  be
• 10:25
  consistent.
• 10:25
  Track
• 10:25
  that
• 10:26
  spending
• 10:26
  every
• 10:26
  day.
• 10:27
  Maybe
• 10:27
  you've
• 10:28
  got
• 10:28
  that
• 10:28
  mountain
• 10:28
  of
• 10:28
  debt.
• 10:29
  You're
• 10:29
  looking
• 10:29
  at
• 10:29
  this
• 10:29
  debt
• 10:29
  in
• 10:29
  front
• 10:30
  of
• 10:30
  you
• 10:30
  and
• 10:30
  this
• 10:30
  mountain
• 10:30
  of
• 10:30
  debt
• 10:31
  you're.
• 10:31
  Ralph,
• 10:31
  how
• 10:31
  am
• 10:31
  I
• 10:31
  ever
• 10:32
  going
• 10:32
  to
• 10:32
  get
• 10:32
  past
• 10:32
  this?
• 10:33
  Well,
• 10:33
  just
• 10:34
  this
• 10:34
  month,
• 10:34
  maybe
• 10:35
  take
• 10:35
  that
• 10:35
  extra
• 10:35
  $25
• 10:36
  and
• 10:37
  pay
• 10:37
  that
• 10:37
  debt.
• 10:38
  Pay
• 10:38
  it
• 10:38
  towards
• 10:38
  that
• 10:38
  debt.
• 10:39
  Build
• 10:39
  that
• 10:39
  system,
• 10:40
  build
• 10:40
  that
• 10:41
  consistency
• 10:42
  and
• 10:42
  work
• 10:43
  on
• 10:43
  that
• 10:43
  diligence.
• 10:45
  The
• 10:45
  truth
• 10:45
  is,
• 10:45
  knowledge
• 10:46
  is
• 10:46
  important.
• 10:46
  I
• 10:46
  can't
• 10:47
  undersell
• 10:47
  that.
• 10:47
  Those
• 10:48
  people
• 10:48
  who
• 10:48
  understand
• 10:48
  investments
• 10:49
  are
• 10:50
  valuable
• 10:50
  people.
• 10:50
  That's
• 10:51
  valuable
• 10:51
  information.
• 10:52
  That's
• 10:53
  great.
• 10:53
  Go
• 10:53
  get
• 10:53
  that
• 10:53
  information.
• 10:55
  But
• 10:55
  as
• 10:55
  my
• 10:55
  football
• 10:56
  coach
• 10:56
  said,
• 10:57
  behavior
• 10:58
  changes
• 10:58
  your
• 10:58
  future.
• 11:00
  So
• 11:00
  build
• 11:00
  those
• 11:00
  systems,
• 11:01
  build
• 11:01
  those
• 11:01
  habits,
• 11:03
  beat
• 11:04
  those
• 11:04
  goals
• 11:04
  and
• 11:04
  intentions
• 11:05
  are
• 11:05
  the
• 11:05
  most
• 11:06
  important
• 11:06
  thing.
• 11:06
  So
• 11:06
  start
• 11:07
  small,
• 11:07
  be
• 11:07
  consistent.
• 11:08
  Because
• 11:08
  the
• 11:09
  truth
• 11:09
  is,
• 11:09
  and
• 11:09
  I
• 11:10
  want
• 11:10
  you
• 11:10
  to
• 11:10
  hear
• 11:10
  this
• 11:10
  loud
• 11:10
  and
• 11:11
  clear
• 11:11
  today,
• 11:12
  God
• 11:12
  is
• 11:12
  going
• 11:12
  to
• 11:12
  bless
• 11:13
  that
• 11:13
  diligence.
• 11:14
  And
• 11:14
  one
• 11:14
  of
• 11:14
  the
• 11:15
  ways
• 11:15
  that
• 11:15
  I
• 11:15
  can
• 11:15
  help
• 11:15
  you
• 11:15
  in
• 11:15
  that
• 11:16
  diligence.
• 11:16
  I
• 11:16
  just
• 11:16
  finished
• 11:17
  writing
• 11:17
  my
• 11:17
  third
• 11:17
  book
• 11:18
  and
• 11:18
  this
• 11:18
  was
• 11:18
  a
• 11:18
  passion
• 11:19
  project
• 11:19
  for
• 11:19
  me.
• 11:20
  It's
• 11:21
  simply
• 11:21
  called
• 11:21
  how
• 11:21
  to
• 11:21
  Become
• 11:22
  a
• 11:22
  Financially
• 11:22
  Confident
• 11:23
  Christian.
• 11:24
  You
• 11:24
  can
• 11:24
  get
• 11:24
  that
• 11:24
  for
• 11:25
  free,
• 11:25
  absolutely
• 11:25
  free.
• 11:25
  Just
• 11:26
  go
• 11:26
  to
• 11:26
  financiallyconfidentchristian.com/becoming
• 11:29
  this
• 11:30
  is
• 11:30
  30
• 11:30
  years
• 11:30
  of
• 11:31
  me
• 11:31
  working
• 11:31
  with
• 11:31
  clients
• 11:32
  just
• 11:32
  like
• 11:32
  you.
• 11:33
  Stories
• 11:34
  of
• 11:34
  struggles
• 11:35
  and
• 11:35
  triumphs
• 11:35
  and
• 11:36
  crying
• 11:36
  on
• 11:36
  each
• 11:36
  other's
• 11:37
  shoulders
• 11:37
  and
• 11:37
  really
• 11:38
  helping
• 11:38
  each
• 11:38
  other
• 11:39
  when
• 11:39
  we
• 11:39
  hit
• 11:39
  rock
• 11:40
  bottom.
• 11:40
  And
• 11:40
  so
• 11:40
  many
• 11:40
  of
• 11:40
  us
• 11:41
  have
• 11:41
  been
• 11:41
  there.
• 11:42
  But
• 11:42
  in
• 11:42
  that
• 11:42
  book,
• 11:43
  I
• 11:43
  help
• 11:43
  you
• 11:43
  build
• 11:43
  those
• 11:44
  systems
• 11:44
  that
• 11:44
  will
• 11:45
  show
• 11:45
  you
• 11:45
  how
• 11:45
  to
• 11:45
  finally
• 11:46
  break
• 11:46
  that
• 11:46
  cycle
• 11:47
  of
• 11:47
  financial
• 11:47
  shame
• 11:48
  and
• 11:48
  live
• 11:48
  in
• 11:48
  confidence.
• 11:49
  Why
• 11:49
  don't
• 11:49
  you
• 11:49
  get
• 11:49
  that
• 11:49
  today?
• 11:50
  It's
• 11:50
  yours
• 11:50
  absolutely
• 11:51
  free.
• 11:51
  Just
• 11:51
  go
• 11:51
  to
• 11:52
  financiallyconfidentchristian.com/becoming
• 11:55
  and
• 11:55
  listen,
• 11:55
  here's
• 11:55
  a
• 11:55
  little
• 11:56
  secret.
• 11:56
  Share
• 11:56
  that
• 11:57
  link
• 11:57
  with
• 11:57
  as
• 11:57
  many
• 11:57
  people
• 11:58
  as
• 11:58
  you
• 11:58
  can
• 11:58
  because
• 11:58
  I
• 11:58
  love
• 11:59
  to
• 11:59
  give
• 11:59
  away
• 11:59
  free
• 11:59
  books.
• 12:00
  Now
• 12:00
  tomorrow
• 12:01
  we're
• 12:01
  going
• 12:01
  to
• 12:02
  change
• 12:02
  the
• 12:02
  topic
• 12:02
  a
• 12:02
  little
• 12:02
  bit.
• 12:03
  We're
• 12:03
  going
• 12:03
  to
• 12:03
  talk
• 12:03
  about
• 12:03
  how
• 12:03
  not
• 12:04
  to
• 12:04
  freak
• 12:04
  out
• 12:04
  during
• 12:05
  those
• 12:05
  market
• 12:05
  cycles.
• 12:06
  We're
• 12:06
  going
• 12:06
  to
• 12:07
  talk
• 12:07
  about
• 12:07
  how
• 12:07
  to
• 12:07
  deal
• 12:07
  with
• 12:08
  panic,
• 12:08
  how
• 12:08
  to
• 12:08
  deal
• 12:08
  with
• 12:09
  fear,
• 12:09
  and
• 12:10
  how
• 12:10
  to
• 12:10
  not
• 12:10
  live
• 12:10
  in
• 12:10
  that
• 12:11
  reality
• 12:11
  anymore.
• 12:11
  Because
• 12:11
  truth
• 12:12
  is,
• 12:12
  I'm
• 12:12
  going
• 12:12
  to
• 12:12
  give
• 12:12
  you
• 12:12
  a
• 12:12
  little
• 12:12
  spoiler
• 12:13
  alert
• 12:13
  tomorrow.
• 12:14
  You
• 12:14
  don't
• 12:14
  have
• 12:14
  to
• 12:14
  live
• 12:14
  like
• 12:15
  that
• 12:16
  today.
• 12:16
  I
• 12:16
  have
• 12:16
  confidence
• 12:17
  in
• 12:17
  you.
• 12:17
  I
• 12:18
  want
• 12:18
  you
• 12:18
  to
• 12:18
  have
• 12:18
  confidence
• 12:19
  in
• 12:19
  yourself
• 12:19
  because
• 12:19
  God
• 12:20
  believes
• 12:20
  in
• 12:20
  you.
• 12:21
  Stay
• 12:22
  financially
• 12:22
  savvy
• 12:22
  out
• 12:23
  there.
• 12:23
  Live
• 12:23
  out
• 12:24
  that
• 12:24
  belief
• 12:24
  in
• 12:25
  being
• 12:25
  a
• 12:25
  financially
• 12:26
  confident
• 12:26
  Christian.
• 12:27
  God
• 12:27
  bless
• 12:28
  you
• 12:28
  and
• 12:28
  you
• 12:28
  have
• 12:29
  a
• 12:29
  great
• 12:29
  day
• 12:29
  today.