Latest / Becoming Financially Confident / How Do I Actively Combat “Creep” So It Doesn’t Steal My Progress?

Transcript

How Do I Actively Combat “Creep” So It Doesn’t Steal My Progress? · Becoming Financially Confident

• 0:37
  You
• 0:37
  paid
• 0:38
  off
• 0:38
  debt,
• 0:39
  you
• 0:39
  built
• 0:39
  savings,
• 0:40
  you're
• 0:40
  finally
• 0:40
  gaining
• 0:41
  momentum.
• 0:42
  But
• 0:42
  now
• 0:42
  you
• 0:43
  notice
• 0:43
  something
• 0:43
  creeping
• 0:44
  in.
• 0:45
  New
• 0:45
  expenses,
• 0:47
  expensive
• 0:47
  upgrades,
• 0:48
  a
• 0:48
  little
• 0:48
  more
• 0:48
  here
• 0:49
  and
• 0:49
  a
• 0:49
  little
• 0:49
  more
• 0:49
  there.
• 0:51
  What
• 0:51
  if
• 0:51
  lifestyle
• 0:52
  creep
• 0:52
  is
• 0:52
  quietly
• 0:53
  stealing
• 0:53
  your
• 0:54
  freedom?
• 0:55
  Well,
• 0:55
  let's
• 0:55
  talk
• 0:56
  about
• 0:56
  how
• 0:56
  to
• 0:56
  protect
• 0:56
  your
• 0:57
  progress
• 0:57
  and
• 0:57
  keep
• 0:58
  building
• 0:58
  forward
• 0:59
  on
• 0:59
  today's
• 1:00
  show.
• 1:01
  This
• 1:02
  is
• 1:02
  Financially
• 1:02
  Confident
• 1:03
  Christian,
• 1:04
  your
• 1:04
  daily
• 1:04
  dose
• 1:05
  of
• 1:05
  gospel
• 1:05
  grounded
• 1:06
  insight
• 1:06
  and
• 1:06
  faith
• 1:07
  driven
• 1:07
  tips
• 1:07
  to
• 1:08
  help
• 1:08
  you
• 1:08
  break
• 1:08
  the
• 1:08
  cycle
• 1:09
  of
• 1:09
  financial
• 1:09
  financial
• 1:09
  shame
• 1:10
  with
• 1:10
  confidence.
• 1:12
  Hey
• 1:13
  there
• 1:13
  and
• 1:13
  welcome
• 1:13
  back
• 1:13
  to
• 1:14
  your
• 1:14
  Financially
• 1:14
  Confident
• 1:15
  Christian.
• 1:15
  I
• 1:16
  am
• 1:16
  Ralph,
• 1:16
  and
• 1:16
  I'm
• 1:16
  so
• 1:16
  glad
• 1:17
  you're
• 1:17
  joining
• 1:17
  me
• 1:18
  today.
• 1:18
  This
• 1:18
  is
• 1:19
  the
• 1:19
  show
• 1:19
  all
• 1:19
  about
• 1:19
  answering
• 1:20
  that
• 1:20
  one
• 1:21
  transformative
• 1:21
  question,
• 1:23
  how
• 1:23
  can
• 1:23
  I
• 1:23
  become
• 1:24
  a
• 1:24
  financially
• 1:25
  confident
• 1:25
  Christian?
• 1:26
  And
• 1:26
  we're
• 1:27
  continuing
• 1:27
  our
• 1:27
  series
• 1:28
  today,
• 1:28
  beyond
• 1:28
  the
• 1:28
  Budget.
• 1:29
  Finding
• 1:30
  financial
• 1:30
  freedom
• 1:31
  through
• 1:31
  intentional
• 1:32
  living.
• 1:32
  Yes,
• 1:32
  this
• 1:33
  is
• 1:33
  all
• 1:33
  about
• 1:33
  living
• 1:34
  intentionally.
• 1:35
  Now,
• 1:36
  yesterday
• 1:36
  we
• 1:36
  explored
• 1:37
  your
• 1:37
  financial
• 1:37
  legacy,
• 1:38
  what
• 1:38
  you're
• 1:38
  going
• 1:38
  to
• 1:39
  leave
• 1:39
  behind
• 1:39
  for
• 1:39
  God's
• 1:40
  kingdom.
• 1:40
  And
• 1:40
  if
• 1:40
  you
• 1:40
  missed
• 1:41
  it,
• 1:41
  I'm
• 1:41
  going
• 1:41
  to
• 1:41
  encourage
• 1:42
  you
• 1:42
  to
• 1:42
  go
• 1:42
  back
• 1:42
  and
• 1:42
  check
• 1:43
  it
• 1:43
  out.
• 1:43
  Because
• 1:43
  let
• 1:43
  me
• 1:43
  just
• 1:44
  tell
• 1:44
  you
• 1:44
  right
• 1:44
  now,
• 1:44
  it
• 1:45
  was
• 1:45
  an
• 1:45
  impactful
• 1:46
  episode.
• 1:46
  A
• 1:46
  lot
• 1:47
  of
• 1:47
  people
• 1:47
  have
• 1:47
  sent
• 1:47
  me
• 1:48
  emails
• 1:48
  and
• 1:48
  say,
• 1:48
  Ralph,
• 1:49
  we
• 1:49
  really
• 1:49
  got
• 1:49
  that
• 1:50
  man.
• 1:50
  We're
• 1:50
  working
• 1:50
  on
• 1:51
  that.
• 1:52
  But
• 1:52
  today
• 1:52
  we're
• 1:52
  going
• 1:52
  to
• 1:52
  tackle
• 1:53
  a
• 1:53
  more
• 1:53
  subtle
• 1:53
  threat
• 1:54
  to
• 1:54
  your
• 1:54
  freedom.
• 1:55
  We're
• 1:55
  going
• 1:55
  to
• 1:55
  talk
• 1:55
  about
• 1:56
  this
• 1:56
  guy
• 1:56
  called
• 1:56
  lifestyle
• 1:57
  creep.
• 1:57
  Yeah,
• 1:57
  he's
• 1:58
  a
• 1:58
  real
• 1:58
  creep.
• 1:59
  So
• 1:59
  let's
• 2:00
  defend
• 2:00
  your
• 2:00
  progress
• 2:01
  together
• 2:01
  on
• 2:01
  today's
• 2:02
  show.
• 2:03
  Picture
• 2:03
  this,
• 2:04
  if
• 2:04
  you
• 2:04
  will.
• 2:04
  You
• 2:05
  got
• 2:05
  a
• 2:05
  raise.
• 2:06
  Hey,
• 2:06
  fantastic.
• 2:07
  You're
• 2:07
  making
• 2:08
  more
• 2:08
  money.
• 2:09
  Or
• 2:09
  maybe
• 2:09
  for
• 2:10
  you,
• 2:10
  you
• 2:10
  paid
• 2:10
  off
• 2:10
  that
• 2:10
  lingering
• 2:11
  car
• 2:11
  loan
• 2:12
  suddenly.
• 2:13
  Yeah,
• 2:13
  wonderful.
• 2:14
  You
• 2:14
  paid
• 2:14
  it
• 2:15
  off.
• 2:16
  And
• 2:16
  then
• 2:16
  you
• 2:17
  look
• 2:17
  around
• 2:17
  and
• 2:17
  suddenly
• 2:18
  now
• 2:18
  you're
• 2:18
  upgrading.
• 2:19
  You
• 2:19
  paid
• 2:20
  off
• 2:20
  that
• 2:20
  car.
• 2:20
  You
• 2:20
  got
• 2:20
  a
• 2:20
  new
• 2:21
  car.
• 2:21
  Hey,
• 2:21
  it's
• 2:21
  a
• 2:21
  beautiful
• 2:22
  new
• 2:22
  car.
• 2:22
  Fancy.
• 2:23
  You
• 2:24
  notice
• 2:24
  you're
• 2:24
  eating
• 2:24
  more
• 2:25
  dinners
• 2:25
  out,
• 2:25
  you're
• 2:25
  getting
• 2:26
  new
• 2:26
  clothes.
• 2:26
  You,
• 2:26
  you've
• 2:27
  ordered
• 2:27
  extra
• 2:28
  subscriptions
• 2:30
  and
• 2:31
  a
• 2:31
  little
• 2:31
  bit
• 2:31
  more
• 2:31
  splurging.
• 2:32
  Well,
• 2:32
  just
• 2:32
  because.
• 2:35
  And
• 2:36
  before
• 2:36
  you
• 2:36
  realize
• 2:37
  it,
• 2:38
  when
• 2:38
  you
• 2:38
  look
• 2:38
  around,
• 2:38
  your
• 2:39
  savings
• 2:39
  haven't
• 2:39
  grown
• 2:40
  and
• 2:41
  all
• 2:41
  of
• 2:41
  a
• 2:41
  sudden
• 2:41
  that
• 2:42
  debt
• 2:42
  hasn't
• 2:42
  budged.
• 2:43
  You're
• 2:43
  not
• 2:43
  paying
• 2:43
  that
• 2:43
  debt
• 2:44
  down
• 2:44
  like
• 2:44
  you
• 2:44
  were
• 2:44
  before.
• 2:47
  Your
• 2:47
  lifestyle
• 2:48
  quietly
• 2:48
  crept
• 2:48
  up
• 2:49
  and
• 2:49
  stole
• 2:49
  the
• 2:49
  margin
• 2:50
  you
• 2:50
  worked
• 2:50
  so
• 2:51
  hard
• 2:51
  to
• 2:51
  create.
• 2:53
  Well,
• 2:53
  that
• 2:53
  right
• 2:53
  there
• 2:54
  is
• 2:54
  lifestyle
• 2:55
  creepy.
• 2:56
  It's
• 2:56
  not
• 2:56
  a
• 2:56
  nice
• 2:57
  creep
• 2:57
  to
• 2:57
  be
• 2:57
  around.
• 2:58
  And
• 2:58
  unfortunately,
• 2:59
  it's
• 2:59
  subtle,
• 2:59
  it's
• 3:00
  slow,
• 3:00
  and
• 3:00
  it
• 3:00
  is
• 3:01
  spiritually
• 3:01
  draining.
• 3:03
  It's
• 3:04
  not
• 3:04
  just
• 3:04
  about
• 3:04
  money,
• 3:06
  it's
• 3:06
  about
• 3:06
  intentionality.
• 3:09
  So
• 3:09
  here's
• 3:09
  the
• 3:10
  thing
• 3:10
  I
• 3:10
  want
• 3:10
  you
• 3:10
  to
• 3:10
  understand
• 3:11
  today.
• 3:11
  Lifestyle
• 3:12
  creep
• 3:12
  feeds
• 3:13
  on
• 3:13
  complacency.
• 3:16
  It
• 3:16
  feeds
• 3:17
  on
• 3:17
  not
• 3:17
  paying
• 3:17
  attention
• 3:18
  to
• 3:18
  what's
• 3:18
  going
• 3:19
  on.
• 3:21
  You
• 3:21
  want
• 3:21
  to
• 3:21
  talk
• 3:21
  about
• 3:21
  what
• 3:21
  it
• 3:22
  feeds
• 3:22
  on?
• 3:22
  A
• 3:22
  lot.
• 3:22
  It
• 3:23
  thrives
• 3:23
  in
• 3:23
  this
• 3:23
  belief
• 3:24
  that
• 3:24
  I
• 3:24
  deserve
• 3:25
  this
• 3:25
  moment.
• 3:27
  So
• 3:28
  let's
• 3:28
  look
• 3:28
  to
• 3:28
  scripture,
• 3:29
  because
• 3:29
  scripture
• 3:30
  gives
• 3:30
  us
• 3:30
  a
• 3:30
  powerful
• 3:31
  reminder.
• 3:31
  Let's
• 3:31
  look
• 3:32
  at
• 3:32
  the
• 3:32
  Book
• 3:32
  of
• 3:32
  Proverbs,
• 3:33
  chapter
• 3:33
  4,
• 3:34
  verses
• 3:34
  23.
• 3:35
  And
• 3:35
  it
• 3:35
  says
• 3:35
  this.
• 3:37
  Talk
• 3:37
  about
• 3:37
  hitting
• 3:37
  a
• 3:38
  home
• 3:38
  run.
• 3:38
  Scripture
• 3:38
  just
• 3:39
  nails
• 3:39
  it
• 3:40
  above
• 3:41
  all
• 3:41
  else.
• 3:41
  Guard
• 3:42
  your
• 3:42
  heart
• 3:43
  for
• 3:44
  everything
• 3:44
  you
• 3:44
  do
• 3:45
  flows
• 3:45
  from
• 3:45
  it.
• 3:47
  Pretty
• 3:47
  straightforward,
• 3:48
  wouldn't
• 3:48
  you
• 3:48
  say?
• 3:49
  Let's
• 3:49
  look
• 3:49
  at
• 3:50
  first
• 3:50
  Peter,
• 3:50
  chapter
• 3:50
  5,
• 3:51
  verse
• 3:51
  8.
• 3:52
  Be
• 3:53
  alert
• 3:53
  and
• 3:53
  of
• 3:54
  sober
• 3:54
  mind.
• 3:54
  Your
• 3:55
  enemy,
• 3:55
  the
• 3:55
  devil
• 3:56
  prowls
• 3:56
  around
• 3:56
  like
• 3:57
  a
• 3:57
  roaring
• 3:57
  lion
• 3:59
  looking
• 3:59
  for
• 3:59
  someone
• 4:00
  to
• 4:00
  devour.
• 4:03
  That's
• 4:03
  pretty
• 4:03
  straightforward.
• 4:05
  Be
• 4:05
  alert
• 4:05
  and
• 4:06
  be
• 4:06
  of
• 4:06
  sober
• 4:06
  mind.
• 4:06
  Because
• 4:07
  the
• 4:07
  devil
• 4:07
  prowls
• 4:08
  around
• 4:08
  like
• 4:08
  a
• 4:08
  luring
• 4:09
  Ryan
• 4:09
  looking
• 4:10
  for
• 4:10
  someone
• 4:10
  to
• 4:11
  devour.
• 4:13
  Now
• 4:13
  let's
• 4:13
  apply
• 4:13
  that
• 4:13
  to
• 4:13
  our
• 4:14
  finances.
• 4:14
  You've
• 4:14
  worked
• 4:15
  so
• 4:15
  hard.
• 4:15
  You've
• 4:16
  worked
• 4:16
  hard
• 4:16
  to
• 4:16
  build
• 4:16
  that
• 4:17
  margin.
• 4:19
  But
• 4:19
  just
• 4:19
  as
• 4:19
  you
• 4:20
  worked
• 4:20
  hard
• 4:20
  to
• 4:20
  build
• 4:21
  it,
• 4:21
  you
• 4:21
  got
• 4:21
  to
• 4:21
  work
• 4:21
  hard
• 4:22
  to
• 4:22
  protect
• 4:22
  it.
• 4:24
  Because
• 4:24
  this
• 4:24
  is
• 4:24
  both
• 4:24
  financial
• 4:25
  stewardship
• 4:26
  and
• 4:26
  it's
• 4:26
  spiritual
• 4:27
  warfare.
• 4:28
  Like,
• 4:29
  Ralph,
• 4:29
  I
• 4:29
  wasn't
• 4:29
  expecting
• 4:29
  you
• 4:29
  to
• 4:30
  talk
• 4:30
  about
• 4:30
  warfare.
• 4:30
  But
• 4:30
  that's
• 4:30
  what
• 4:30
  we're
• 4:31
  talking
• 4:31
  about
• 4:31
  today.
• 4:33
  So
• 4:33
  ask
• 4:34
  yourself,
• 4:34
  how
• 4:34
  do
• 4:34
  I
• 4:35
  respond
• 4:35
  to
• 4:35
  that?
• 4:37
  When
• 4:37
  you're
• 4:37
  under
• 4:37
  attack,
• 4:38
  you
• 4:38
  stay
• 4:38
  alert,
• 4:39
  you
• 4:39
  stay
• 4:40
  disciplined,
• 4:40
  and
• 4:41
  you
• 4:41
  stay
• 4:41
  purpose
• 4:42
  driven.
• 4:43
  And
• 4:43
  that's
• 4:43
  what
• 4:43
  we're
• 4:43
  going
• 4:44
  to
• 4:44
  talk
• 4:44
  about
• 4:44
  here
• 4:44
  in
• 4:44
  a
• 4:44
  moment.
• 4:45
  We
• 4:45
  got
• 4:45
  to
• 4:45
  redirect
• 4:46
  those
• 4:46
  new
• 4:46
  income
• 4:47
  sources
• 4:47
  towards
• 4:47
  freedom,
• 4:48
  not
• 4:48
  just
• 4:48
  mindless
• 4:49
  consumption.
• 4:50
  And
• 4:50
  trust
• 4:50
  me,
• 4:50
  I'm
• 4:51
  right
• 4:51
  where
• 4:51
  you're
• 4:51
  sitting.
• 4:52
  I've
• 4:52
  done
• 4:52
  the
• 4:52
  same
• 4:53
  thing
• 4:53
  myself.
• 4:54
  So
• 4:54
  I
• 4:54
  can
• 4:54
  talk
• 4:54
  to
• 4:54
  you
• 4:54
  with
• 4:55
  some
• 4:55
  level
• 4:55
  of
• 4:55
  clarity
• 4:56
  about
• 4:56
  this.
• 4:57
  So
• 4:58
  what
• 4:58
  do
• 4:58
  you
• 4:58
  do?
• 4:59
  How
• 5:00
  do
• 5:00
  you
• 5:00
  battle
• 5:00
  that
• 5:00
  creep?
• 5:00
  How
• 5:01
  do
• 5:01
  you
• 5:01
  beat
• 5:01
  that
• 5:01
  creep?
• 5:02
  Well,
• 5:02
  here's
• 5:03
  the
• 5:03
  solution.
• 5:04
  And
• 5:04
  it's
• 5:04
  not
• 5:04
  very
• 5:05
  complicated.
• 5:05
  You
• 5:05
  just
• 5:05
  have
• 5:05
  to
• 5:05
  put
• 5:06
  the
• 5:06
  time
• 5:06
  in
• 5:06
  to
• 5:06
  do
• 5:06
  it.
• 5:07
  I'm
• 5:08
  going
• 5:08
  to
• 5:08
  encourage
• 5:08
  you
• 5:08
  to
• 5:08
  regularly
• 5:09
  review
• 5:09
  your
• 5:09
  spending
• 5:10
  habits
• 5:10
  and
• 5:10
  proactively,
• 5:11
  proactively
• 5:12
  with
• 5:12
  a
• 5:12
  mission,
• 5:13
  redirect
• 5:14
  any
• 5:14
  new
• 5:15
  income
• 5:15
  or
• 5:15
  margin
• 5:16
  towards
• 5:16
  your
• 5:16
  long
• 5:17
  term
• 5:17
  goals.
• 5:17
  Because
• 5:18
  here's
• 5:18
  a.
• 5:18
  I
• 5:19
  said
• 5:19
  this
• 5:19
  a
• 5:19
  couple
• 5:19
  times
• 5:19
  already.
• 5:21
  Creep
• 5:21
  is
• 5:22
  subtle.
• 5:24
  It's
• 5:24
  subtle.
• 5:24
  It
• 5:24
  just
• 5:25
  sneaks
• 5:25
  up
• 5:25
  on
• 5:25
  you.
• 5:25
  That's
• 5:26
  why
• 5:26
  I
• 5:26
  call
• 5:26
  it
• 5:26
  the
• 5:26
  creep.
• 5:27
  But
• 5:28
  you
• 5:28
  can
• 5:28
  stop
• 5:28
  it
• 5:29
  with
• 5:29
  clarity
• 5:29
  and
• 5:29
  intention.
• 5:30
  So
• 5:30
  here's
• 5:30
  your
• 5:31
  one
• 5:31
  action
• 5:31
  step
• 5:31
  for
• 5:32
  day.
• 5:32
  Here's
• 5:32
  what
• 5:32
  I
• 5:32
  want
• 5:33
  you
• 5:33
  to
• 5:33
  do.
• 5:33
  I
• 5:33
  want
• 5:33
  you
• 5:34
  to
• 5:34
  start
• 5:34
  by
• 5:34
  conducting
• 5:35
  a
• 5:35
  creep
• 5:35
  check
• 5:36
  in.
• 5:36
  Yeah,
• 5:36
  creep
• 5:37
  check
• 5:37
  in.
• 5:37
  I
• 5:37
  want
• 5:38
  you
• 5:38
  to
• 5:38
  pull
• 5:38
  out
• 5:38
  your
• 5:38
  budget.
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:39
  look
• 5:39
  at
• 5:39
  two
• 5:40
  or
• 5:40
  three
• 5:40
  flexible
• 5:41
  spending
• 5:41
  categories
• 5:42
  from
• 5:42
  the
• 5:42
  past
• 5:42
  few
• 5:43
  months
• 5:43
  and
• 5:44
  ask
• 5:44
  yourself
• 5:44
  these
• 5:45
  two
• 5:45
  questions.
• 5:46
  Number
• 5:46
  one
• 5:47
  question,
• 5:47
  has
• 5:48
  anything
• 5:48
  crept
• 5:48
  up
• 5:49
  without
• 5:49
  me
• 5:49
  noticing?
• 5:50
  As
• 5:50
  you're
• 5:50
  looking
• 5:50
  at
• 5:50
  your
• 5:50
  budget,
• 5:51
  you
• 5:51
  notice,
• 5:52
  I
• 5:52
  didn't
• 5:52
  realize
• 5:53
  my
• 5:53
  subscription
• 5:53
  line
• 5:54
  had
• 5:54
  grown
• 5:54
  a
• 5:54
  little
• 5:55
  bit
• 5:55
  or
• 5:55
  my
• 5:55
  or
• 5:56
  eating
• 5:56
  out
• 5:56
  or
• 5:56
  entertainment
• 5:57
  spending
• 5:58
  has
• 5:58
  creeped
• 5:58
  up
• 5:58
  a
• 5:59
  little
• 5:59
  bit.
• 6:00
  And
• 6:00
  then
• 6:00
  ask
• 6:01
  yourself
• 6:01
  this
• 6:01
  question.
• 6:01
  Am
• 6:02
  I
• 6:02
  spending
• 6:02
  more
• 6:02
  just
• 6:02
  because
• 6:03
  I
• 6:03
  can?
• 6:04
  Yeah,
• 6:04
  Ralph,
• 6:05
  I
• 6:05
  got
• 6:05
  a
• 6:05
  raise.
• 6:06
  Things
• 6:06
  aren't
• 6:06
  so
• 6:07
  tight
• 6:07
  anymore,
• 6:08
  man.
• 6:08
  We're
• 6:08
  living
• 6:09
  a
• 6:09
  life
• 6:09
  now.
• 6:10
  But
• 6:11
  ask
• 6:11
  yourself
• 6:12
  that
• 6:12
  question,
• 6:12
  am
• 6:12
  I
• 6:12
  spending
• 6:13
  more
• 6:13
  just
• 6:13
  because
• 6:14
  I
• 6:14
  can?
• 6:15
  So
• 6:15
  start
• 6:15
  there,
• 6:16
  look
• 6:16
  at
• 6:16
  your
• 6:16
  budget
• 6:17
  and
• 6:17
  look
• 6:17
  at
• 6:17
  those
• 6:18
  flexible
• 6:18
  spending
• 6:19
  categories.
• 6:20
  And
• 6:20
  then
• 6:20
  I
• 6:20
  just
• 6:20
  want
• 6:20
  you
• 6:21
  to
• 6:21
  identify
• 6:21
  one
• 6:22
  or
• 6:22
  two
• 6:22
  creep
• 6:22
  areas.
• 6:23
  I
• 6:23
  want
• 6:23
  you
• 6:23
  to
• 6:23
  find
• 6:23
  your
• 6:24
  creeps.
• 6:24
  Here's
• 6:25
  some
• 6:25
  common
• 6:25
  culprits.
• 6:27
  And
• 6:27
  listen,
• 6:27
  I'm
• 6:28
  directing
• 6:28
  this
• 6:28
  magnifying
• 6:29
  glass
• 6:29
  at
• 6:29
  myself.
• 6:30
  Common
• 6:30
  culprits.
• 6:31
  Number
• 6:31
  one,
• 6:31
  dining
• 6:31
  out.
• 6:32
  Are
• 6:32
  you
• 6:32
  eating
• 6:32
  out
• 6:33
  more?
• 6:33
  Are
• 6:33
  you
• 6:33
  doing
• 6:33
  more
• 6:33
  takeout
• 6:34
  subscriptions?
• 6:35
  Hey,
• 6:35
  that's
• 6:36
  a
• 6:36
  big
• 6:36
  one.
• 6:36
  I
• 6:37
  look
• 6:37
  at
• 6:37
  this
• 6:37
  on
• 6:37
  my
• 6:37
  credit
• 6:38
  card,
• 6:38
  like,
• 6:38
  where
• 6:38
  in
• 6:39
  the
• 6:39
  world
• 6:39
  do
• 6:39
  I
• 6:39
  get
• 6:39
  so
• 6:39
  many
• 6:39
  subscriptions?
• 6:41
  Here's
• 6:41
  what
• 6:41
  a
• 6:42
  lot
• 6:42
  of
• 6:42
  people
• 6:42
  don't
• 6:42
  think
• 6:42
  about.
• 6:43
  But
• 6:43
  have
• 6:43
  you
• 6:43
  upgraded
• 6:44
  your
• 6:44
  grocery
• 6:45
  a
• 6:45
  little
• 6:45
  bit?
• 6:46
  Are
• 6:46
  you
• 6:46
  not
• 6:46
  cutting
• 6:46
  coupons
• 6:47
  like
• 6:47
  you
• 6:47
  used
• 6:47
  to?
• 6:47
  Are
• 6:48
  you
• 6:48
  not
• 6:48
  looking
• 6:48
  for
• 6:48
  those
• 6:49
  sales?
• 6:49
  Not
• 6:49
  buying
• 6:50
  the
• 6:50
  off
• 6:50
  brands
• 6:50
  as
• 6:51
  much
• 6:52
  as
• 6:52
  here's
• 6:52
  one
• 6:52
  that
• 6:52
  gets
• 6:53
  me
• 6:53
  every
• 6:53
  time,
• 6:53
  and
• 6:53
  that's
• 6:54
  tech
• 6:54
  and
• 6:54
  gadgets.
• 6:54
  I'm
• 6:55
  a
• 6:55
  techno
• 6:55
  nerd.
• 6:55
  I
• 6:56
  love
• 6:56
  the
• 6:56
  tech,
• 6:56
  I
• 6:56
  love
• 6:56
  the
• 6:57
  little
• 6:57
  gadgets.
• 6:58
  And
• 6:58
  for
• 6:59
  many
• 6:59
  of
• 6:59
  us,
• 6:59
  this
• 6:59
  one
• 7:00
  is
• 7:00
  huge,
• 7:01
  common
• 7:01
  culprit,
• 7:02
  impulse
• 7:03
  buys.
• 7:05
  So
• 7:05
  look
• 7:05
  at
• 7:05
  your
• 7:05
  spending,
• 7:06
  look
• 7:06
  at
• 7:06
  that
• 7:06
  budget.
• 7:07
  Then
• 7:07
  identify
• 7:07
  one
• 7:07
  or
• 7:08
  two
• 7:08
  of
• 7:08
  these
• 7:08
  what
• 7:08
  I
• 7:09
  call
• 7:09
  common
• 7:09
  culprits.
• 7:11
  And
• 7:11
  then
• 7:11
  I
• 7:11
  want
• 7:11
  you
• 7:11
  to
• 7:11
  dust
• 7:12
  to
• 7:12
  the
• 7:12
  next
• 7:12
  step.
• 7:13
  And
• 7:13
  that's
• 7:13
  allocate
• 7:14
  future
• 7:14
  margin.
• 7:15
  You'll
• 7:15
  be
• 7:15
  saying,
• 7:16
  Ralph,
• 7:16
  you
• 7:16
  lost
• 7:16
  me.
• 7:16
  What
• 7:16
  do
• 7:17
  you
• 7:17
  mean
• 7:17
  by
• 7:17
  that?
• 7:17
  Here's
• 7:17
  what
• 7:18
  I
• 7:18
  mean
• 7:18
  by
• 7:18
  that.
• 7:19
  Plan
• 7:19
  ahead.
• 7:19
  Allocate
• 7:20
  your
• 7:20
  next
• 7:21
  raise,
• 7:22
  or
• 7:22
  when
• 7:22
  you
• 7:22
  pay
• 7:22
  off
• 7:23
  a
• 7:23
  loan,
• 7:23
  or
• 7:23
  when
• 7:23
  you
• 7:24
  free
• 7:24
  up
• 7:24
  some
• 7:24
  monthly
• 7:25
  cash.
• 7:26
  Decide
• 7:26
  right
• 7:27
  now,
• 7:27
  hey,
• 7:27
  when
• 7:27
  that
• 7:28
  happens,
• 7:28
  I'm
• 7:29
  going
• 7:29
  to
• 7:29
  redirect
• 7:29
  50%
• 7:30
  of
• 7:30
  it
• 7:30
  or
• 7:31
  70%
• 7:31
  or
• 7:32
  80%
• 7:32
  of
• 7:32
  that
• 7:32
  margin
• 7:33
  to,
• 7:33
  hey,
• 7:33
  you
• 7:34
  know
• 7:34
  what?
• 7:34
  I'm
• 7:34
  going
• 7:34
  to
• 7:34
  pay
• 7:34
  down
• 7:35
  debt.
• 7:36
  I'm
• 7:36
  going
• 7:36
  to
• 7:36
  take
• 7:36
  this
• 7:37
  opportunity.
• 7:37
  I'm
• 7:37
  going
• 7:37
  to
• 7:37
  boost
• 7:38
  my
• 7:38
  savings.
• 7:39
  Hey,
• 7:40
  here's
• 7:40
  a
• 7:40
  radical
• 7:40
  idea.
• 7:41
  Increase
• 7:41
  your
• 7:41
  giving.
• 7:42
  Find
• 7:42
  new
• 7:42
  ways
• 7:43
  to
• 7:43
  build
• 7:43
  God's
• 7:44
  kingdom
• 7:44
  or
• 7:44
  invest
• 7:45
  it
• 7:45
  in
• 7:45
  God's
• 7:46
  kingdom,
• 7:46
  aligned
• 7:47
  goals.
• 7:49
  So
• 7:49
  allocate
• 7:49
  that
• 7:49
  future
• 7:50
  margin,
• 7:50
  plan
• 7:51
  for
• 7:51
  that
• 7:51
  plan
• 7:52
  for
• 7:52
  that
• 7:52
  raise,
• 7:53
  plan
• 7:53
  for
• 7:53
  that
• 7:53
  time
• 7:54
  when
• 7:54
  you
• 7:54
  pay
• 7:54
  off
• 7:54
  that
• 7:54
  loan
• 7:55
  or
• 7:55
  when
• 7:55
  you
• 7:55
  free
• 7:55
  up
• 7:55
  some
• 7:56
  monthly
• 7:56
  cash.
• 7:58
  And
• 7:58
  then
• 7:58
  I
• 7:58
  want
• 7:58
  you
• 7:58
  to
• 7:59
  set
• 7:59
  up
• 7:59
  a
• 7:59
  creep
• 7:59
  prevention
• 8:00
  rule.
• 8:00
  Yeah,
• 8:01
  this
• 8:01
  is
• 8:01
  the
• 8:01
  key.
• 8:01
  This
• 8:01
  will
• 8:02
  creep
• 8:02
  the
• 8:02
  key.
• 8:02
  This
• 8:02
  will
• 8:02
  keep
• 8:03
  to
• 8:03
  creep
• 8:03
  at
• 8:03
  bay.
• 8:04
  Here
• 8:05
  are
• 8:05
  some
• 8:05
  examples.
• 8:06
  I
• 8:06
  love
• 8:06
  this
• 8:06
  one.
• 8:07
  One
• 8:07
  dinner
• 8:08
  out
• 8:08
  per
• 8:08
  week,
• 8:08
  max.
• 8:09
  That's
• 8:09
  the,
• 8:09
  that's
• 8:10
  the
• 8:10
  rule.
• 8:10
  That's
• 8:10
  the
• 8:10
  creep
• 8:11
  prevention
• 8:11
  rule.
• 8:12
  I'm
• 8:12
  only
• 8:12
  going
• 8:12
  to
• 8:13
  eat
• 8:13
  one
• 8:13
  dinner
• 8:13
  out
• 8:14
  per
• 8:14
  week,
• 8:14
  max.
• 8:15
  Hey,
• 8:15
  I'm
• 8:15
  not
• 8:15
  going
• 8:16
  to
• 8:16
  break
• 8:16
  my
• 8:16
  rule.
• 8:17
  Right?
• 8:17
  Here's
• 8:17
  another
• 8:18
  great
• 8:18
  one.
• 8:18
  No
• 8:19
  new
• 8:19
  subscriptions
• 8:20
  unless
• 8:20
  I
• 8:20
  cancel
• 8:21
  one.
• 8:21
  One
• 8:21
  for
• 8:22
  one.
• 8:22
  So
• 8:23
  you
• 8:23
  see,
• 8:23
  hey,
• 8:23
  I've
• 8:23
  got
• 8:23
  to
• 8:23
  get
• 8:24
  this
• 8:24
  new
• 8:24
  streaming
• 8:24
  service.
• 8:25
  Well,
• 8:26
  your
• 8:26
  rule
• 8:27
  says
• 8:27
  no
• 8:27
  new
• 8:27
  subscription.
• 8:28
  So
• 8:28
  I
• 8:28
  guess
• 8:28
  I
• 8:28
  got
• 8:28
  to
• 8:28
  go
• 8:29
  find
• 8:29
  one
• 8:29
  to
• 8:29
  cancel.
• 8:30
  And
• 8:30
  I
• 8:30
  love
• 8:31
  this
• 8:31
  one.
• 8:31
  And
• 8:31
  I
• 8:31
  would
• 8:32
  encourage
• 8:32
  all
• 8:32
  of
• 8:33
  us
• 8:33
  to
• 8:33
  do
• 8:33
  this.
• 8:34
  It's
• 8:34
  intentional
• 8:35
  and
• 8:35
  it's
• 8:35
  planning
• 8:36
  ahead.
• 8:36
  But
• 8:36
  any
• 8:36
  raise
• 8:37
  gets
• 8:37
  split
• 8:38
  50%
• 8:38
  to
• 8:39
  savings,
• 8:39
  30%
• 8:40
  to
• 8:40
  debt,
• 8:40
  and
• 8:41
  20%
• 8:41
  to
• 8:42
  lifestyle.
• 8:43
  You're
• 8:43
  still
• 8:43
  getting
• 8:43
  the
• 8:44
  benefit
• 8:44
  of
• 8:44
  the
• 8:44
  race.
• 8:44
  It's
• 8:45
  just
• 8:45
  not
• 8:45
  a
• 8:46
  hundred
• 8:46
  percent
• 8:46
  of
• 8:46
  it,
• 8:46
  just
• 8:47
  20%
• 8:47
  of
• 8:47
  it.
• 8:48
  But
• 8:48
  50%
• 8:49
  to
• 8:49
  savings,
• 8:49
  30%
• 8:50
  to
• 8:50
  debt,
• 8:50
  and
• 8:51
  then
• 8:51
  20%
• 8:51
  to
• 8:51
  lifestyle.
• 8:53
  You
• 8:53
  might
• 8:53
  be
• 8:53
  saying,
• 8:54
  Ralph,
• 8:54
  I
• 8:54
  get
• 8:54
  it,
• 8:54
  but
• 8:55
  why
• 8:55
  does
• 8:55
  this
• 8:55
  work?
• 8:55
  Well,
• 8:56
  here's
• 8:56
  why
• 8:56
  it
• 8:56
  works.
• 8:56
  I
• 8:57
  talked
• 8:57
  a
• 8:57
  few
• 8:57
  minutes
• 8:57
  ago
• 8:57
  about
• 8:58
  trying
• 8:58
  to
• 8:58
  protect
• 8:59
  that
• 8:59
  hard
• 8:59
  earned
• 9:00
  financial
• 9:00
  margin.
• 9:01
  If
• 9:02
  you
• 9:02
  do
• 9:02
  these
• 9:02
  things,
• 9:03
  it's
• 9:03
  going
• 9:03
  to
• 9:03
  protect
• 9:03
  it.
• 9:03
  You're
• 9:04
  going
• 9:04
  to
• 9:04
  look
• 9:04
  at
• 9:04
  your
• 9:04
  budget,
• 9:05
  you're
• 9:05
  going
• 9:05
  to
• 9:05
  find
• 9:05
  those
• 9:06
  areas
• 9:06
  where
• 9:06
  that
• 9:07
  creep
• 9:07
  is
• 9:07
  creeping.
• 9:07
  In
• 9:08
  a
• 9:08
  silly
• 9:08
  way
• 9:08
  to
• 9:08
  say,
• 9:08
  but
• 9:08
  it's
• 9:09
  true.
• 9:10
  It
• 9:10
  turns
• 9:10
  your
• 9:11
  new
• 9:11
  income
• 9:11
  into
• 9:12
  real
• 9:12
  progress
• 9:14
  because
• 9:14
  you've
• 9:14
  already
• 9:14
  got
• 9:15
  a
• 9:15
  plan
• 9:15
  in
• 9:15
  place.
• 9:15
  Yeah,
• 9:16
  I'm
• 9:16
  working
• 9:16
  hard.
• 9:16
  I
• 9:17
  want
• 9:17
  to
• 9:17
  get
• 9:17
  that
• 9:17
  raised.
• 9:17
  I
• 9:17
  want
• 9:18
  to
• 9:18
  pay
• 9:18
  off
• 9:18
  those
• 9:18
  loans.
• 9:19
  But
• 9:20
  it
• 9:20
  allows
• 9:20
  you
• 9:20
  to
• 9:21
  put
• 9:21
  that
• 9:21
  into
• 9:21
  place
• 9:22
  ahead
• 9:22
  of
• 9:22
  time.
• 9:23
  One
• 9:23
  of
• 9:23
  the
• 9:24
  things
• 9:24
  it
• 9:24
  does,
• 9:24
  just
• 9:24
  like
• 9:24
  weight
• 9:25
  living,
• 9:25
  it
• 9:25
  strengthens
• 9:26
  your
• 9:26
  self
• 9:26
  discipline,
• 9:27
  muscles
• 9:28
  and
• 9:28
  your
• 9:28
  spiritual
• 9:29
  focus
• 9:30
  because
• 9:30
  you're
• 9:30
  really
• 9:31
  looking
• 9:31
  at,
• 9:31
  what
• 9:31
  am
• 9:32
  I
• 9:32
  doing?
• 9:32
  Where's
• 9:33
  my
• 9:33
  money
• 9:33
  going?
• 9:33
  Do
• 9:34
  I,
• 9:34
  am
• 9:34
  I
• 9:34
  following
• 9:35
  my
• 9:35
  creep
• 9:35
  rules
• 9:38
  big
• 9:38
  picture?
• 9:38
  It
• 9:39
  keeps
• 9:39
  your
• 9:39
  finances
• 9:40
  aligned
• 9:40
  with
• 9:40
  your
• 9:40
  mission
• 9:41
  and
• 9:41
  your
• 9:42
  purpose.
• 9:42
  Because
• 9:42
  you're
• 9:43
  thoughtfully,
• 9:43
  you're
• 9:44
  being
• 9:44
  intentional
• 9:45
  about
• 9:45
  that
• 9:45
  raise,
• 9:46
  intentional
• 9:47
  about
• 9:47
  paying
• 9:47
  off
• 9:47
  those
• 9:48
  debts.
• 9:49
  How
• 9:49
  about
• 9:49
  we
• 9:50
  pray
• 9:50
  together?
• 9:51
  Father
• 9:51
  God,
• 9:52
  thank
• 9:52
  you
• 9:52
  for
• 9:52
  the
• 9:52
  blessings
• 9:53
  and
• 9:53
  increase
• 9:53
  you've
• 9:54
  entrusted
• 9:54
  to
• 9:54
  us.
• 9:56
  Forgive
• 9:56
  us
• 9:56
  for
• 9:56
  the
• 9:56
  times
• 9:57
  we've
• 9:57
  let
• 9:57
  our
• 9:57
  spending
• 9:58
  drift
• 9:58
  without
• 9:59
  purpose,
• 9:59
  Lord.
• 9:59
  Yeah,
• 10:00
  we
• 10:01
  sometimes
• 10:01
  grow
• 10:01
  complacent,
• 10:02
  Lord,
• 10:02
  and
• 10:02
  we
• 10:03
  forget
• 10:03
  that
• 10:03
  every
• 10:03
  dollar
• 10:04
  is
• 10:04
  a
• 10:04
  tool
• 10:04
  for
• 10:05
  your
• 10:05
  kingdom.
• 10:06
  And
• 10:07
  we
• 10:07
  just
• 10:07
  ask
• 10:07
  that
• 10:07
  you
• 10:07
  would
• 10:08
  help
• 10:08
  us
• 10:08
  to
• 10:08
  be
• 10:08
  alert,
• 10:08
  Lord.
• 10:09
  Help
• 10:09
  us
• 10:09
  be
• 10:10
  faithful
• 10:11
  and
• 10:11
  most
• 10:11
  of
• 10:12
  all,
• 10:12
  help
• 10:12
  us
• 10:12
  to
• 10:12
  be
• 10:13
  intentional.
• 10:13
  Give
• 10:14
  us
• 10:14
  wisdom
• 10:14
  to
• 10:14
  spot
• 10:15
  that
• 10:15
  lifestyle
• 10:16
  creep
• 10:16
  early
• 10:16
  and
• 10:17
  the
• 10:17
  strength
• 10:17
  to
• 10:17
  redirect
• 10:18
  our
• 10:18
  resources
• 10:19
  wisely.
• 10:19
  Lord,
• 10:21
  let
• 10:21
  us
• 10:21
  use
• 10:21
  every
• 10:22
  financial
• 10:22
  gain
• 10:23
  for
• 10:23
  your
• 10:23
  glory
• 10:24
  and
• 10:24
  your
• 10:24
  growth.
• 10:24
  And
• 10:25
  we
• 10:25
  ask
• 10:25
  this
• 10:25
  with
• 10:26
  boldness
• 10:26
  and
• 10:27
  confidence.
• 10:27
  In
• 10:28
  Jesus
• 10:28
  name,
• 10:29
  amen.
• 10:31
  Friend,
• 10:31
  listen
• 10:31
  to
• 10:31
  me.
• 10:32
  You've
• 10:33
  worked
• 10:33
  too
• 10:33
  hard
• 10:33
  to
• 10:34
  lose
• 10:34
  ground
• 10:34
  to
• 10:34
  lifestyle
• 10:35
  creep.
• 10:36
  So
• 10:37
  today
• 10:37
  I
• 10:37
  want
• 10:37
  to
• 10:37
  encourage
• 10:38
  you.
• 10:38
  Do
• 10:38
  your
• 10:38
  creep
• 10:38
  check
• 10:39
  in.
• 10:40
  Pick
• 10:40
  one
• 10:40
  small
• 10:41
  step
• 10:41
  that
• 10:41
  protects
• 10:41
  your
• 10:42
  progress.
• 10:42
  Because
• 10:42
  listen
• 10:43
  to
• 10:43
  me,
• 10:44
  every
• 10:44
  raise,
• 10:45
  every
• 10:45
  payoff,
• 10:46
  every
• 10:47
  gain,
• 10:48
  every
• 10:49
  one
• 10:49
  of
• 10:49
  them
• 10:49
  is
• 10:50
  a
• 10:50
  chance
• 10:50
  to
• 10:50
  build
• 10:51
  something
• 10:51
  eternal.
• 10:53
  And
• 10:53
  now
• 10:53
  I
• 10:53
  want
• 10:53
  to
• 10:54
  ask
• 10:54
  you
• 10:54
  to
• 10:54
  do
• 10:54
  something
• 10:54
  for
• 10:55
  me.
• 10:55
  I
• 10:55
  want
• 10:55
  to
• 10:55
  ask
• 10:55
  you
• 10:56
  to
• 10:56
  share
• 10:57
  this
• 10:57
  show
• 10:57
  with
• 10:57
  somebody.
• 10:58
  There's
• 10:58
  a
• 10:59
  lot
• 10:59
  of
• 10:59
  people
• 10:59
  out
• 10:59
  there
• 11:00
  who
• 11:00
  are
• 11:00
  battling
• 11:00
  this
• 11:01
  lifestyle
• 11:01
  creep.
• 11:02
  Maybe
• 11:03
  you
• 11:03
  know
• 11:03
  somebody
• 11:03
  in
• 11:04
  your
• 11:04
  life,
• 11:04
  a
• 11:04
  friend,
• 11:04
  a
• 11:04
  family
• 11:05
  member,
• 11:05
  an
• 11:05
  acquaintance.
• 11:06
  You're
• 11:07
  like,
• 11:07
  you
• 11:07
  know,
• 11:07
  they
• 11:07
  talk
• 11:08
  about
• 11:08
  this
• 11:08
  all
• 11:08
  the
• 11:08
  time.
• 11:09
  I
• 11:09
  see
• 11:09
  how
• 11:09
  their,
• 11:09
  their
• 11:10
  life
• 11:10
  is.
• 11:10
  I
• 11:11
  don't
• 11:11
  want
• 11:11
  to
• 11:11
  judge
• 11:11
  them
• 11:11
  right,
• 11:11
  but
• 11:12
  I
• 11:12
  see
• 11:12
  how
• 11:12
  their
• 11:12
  life
• 11:12
  is,
• 11:13
  is
• 11:13
  affected
• 11:13
  by
• 11:13
  this
• 11:14
  creep.
• 11:14
  I
• 11:14
  just
• 11:14
  got
• 11:14
  to
• 11:14
  encourage
• 11:15
  you,
• 11:15
  send
• 11:15
  them
• 11:15
  an
• 11:15
  email,
• 11:16
  send
• 11:16
  them
• 11:16
  a
• 11:16
  text
• 11:17
  and
• 11:17
  just
• 11:17
  send
• 11:17
  them
• 11:17
  a
• 11:17
  link
• 11:17
  to
• 11:18
  the
• 11:18
  show
• 11:18
  financiallyconfidentchristian.com
• 11:20
  and
• 11:21
  just
• 11:21
  say,
• 11:21
  hey,
• 11:21
  I
• 11:21
  listen
• 11:22
  to
• 11:22
  this
• 11:22
  show
• 11:22
  every
• 11:22
  day.
• 11:22
  It's
• 11:23
  fantastic.
• 11:24
  You
• 11:24
  might
• 11:24
  benefit
• 11:25
  from
• 11:25
  it.
• 11:25
  And
• 11:26
  while
• 11:26
  you're
• 11:26
  there,
• 11:26
  I'm
• 11:26
  going
• 11:26
  to
• 11:26
  encourage
• 11:27
  you
• 11:27
  to
• 11:27
  get
• 11:27
  a
• 11:27
  free
• 11:27
  copy
• 11:28
  of
• 11:28
  my
• 11:28
  book.
• 11:28
  It's
• 11:28
  called
• 11:28
  mastering
• 11:29
  your
• 11:29
  finances.
• 11:30
  It's
• 11:30
  a
• 11:30
  brief
• 11:31
  book,
• 11:31
  but
• 11:31
  man,
• 11:31
  I'm
• 11:31
  going
• 11:31
  to
• 11:31
  tell
• 11:31
  you
• 11:32
  right
• 11:32
  now,
• 11:32
  it
• 11:32
  is
• 11:32
  super
• 11:33
  impactful
• 11:33
  to
• 11:34
  helping
• 11:34
  you
• 11:34
  build
• 11:35
  that,
• 11:35
  that
• 11:35
  financial
• 11:36
  plan
• 11:36
  to
• 11:36
  keep
• 11:37
  that
• 11:37
  financial
• 11:37
  creep
• 11:38
  away.
• 11:38
  And
• 11:38
  you
• 11:39
  get
• 11:39
  to
• 11:39
  it
• 11:39
  by
• 11:39
  going
• 11:39
  to
• 11:40
  financiallyconfidentchristian.com/master.
• 11:43
  Now
• 11:43
  tomorrow
• 11:44
  on
• 11:44
  the
• 11:44
  show,
• 11:45
  we're
• 11:45
  going
• 11:45
  to
• 11:45
  be
• 11:45
  talking
• 11:45
  about
• 11:46
  adapting
• 11:46
  when
• 11:47
  life
• 11:47
  changes
• 11:48
  because,
• 11:48
  hey,
• 11:49
  constant
• 11:49
  in
• 11:50
  life
• 11:50
  change.
• 11:51
  I
• 11:51
  don't
• 11:51
  know
• 11:51
  about
• 11:52
  you,
• 11:52
  but
• 11:52
  I've
• 11:52
  seen
• 11:52
  that
• 11:52
  myself
• 11:53
  in
• 11:53
  my
• 11:53
  almost
• 11:54
  53
• 11:54
  years.
• 11:55
  But
• 11:55
  that's
• 11:55
  what
• 11:55
  we're
• 11:55
  going
• 11:55
  to
• 11:55
  talk
• 11:56
  about
• 11:56
  tomorrow,
• 11:56
  adapting
• 11:56
  when
• 11:57
  life
• 11:57
  changes
• 11:57
  and
• 11:58
  how
• 11:58
  to
• 11:58
  keep
• 11:58
  peace
• 11:59
  even
• 12:00
  in
• 12:00
  financial
• 12:01
  uncertainty.
• 12:01
  Yes,
• 12:02
  we're
• 12:02
  going
• 12:02
  to
• 12:02
  talk
• 12:02
  about
• 12:03
  financial
• 12:03
  uncertainty.
• 12:04
  So
• 12:05
  I
• 12:05
  just
• 12:05
  want
• 12:05
  to
• 12:05
  encourage
• 12:05
  you
• 12:05
  right
• 12:06
  now,
• 12:06
  let's
• 12:06
  all
• 12:06
  go
• 12:06
  out
• 12:06
  there
• 12:07
  and
• 12:07
  be
• 12:08
  financially
• 12:08
  confident
• 12:09
  Christians.
• 12:10
  You
• 12:10
  can
• 12:11
  do
• 12:11
  this.
• 12:12
  I
• 12:12
  truly
• 12:12
  believe
• 12:13
  in
• 12:13
  you,
• 12:14
  believe
• 12:14
  in
• 12:14
  yourself,
• 12:15
  stay
• 12:15
  alert,
• 12:16
  stay
• 12:16
  intentional
• 12:17
  and,
• 12:17
  and
• 12:17
  stay
• 12:18
  financially
• 12:18
  savvy.
• 12:18
  God
• 12:19
  bless
• 12:19
  you
• 12:19
  and
• 12:19
  you
• 12:19
  have
• 12:20
  a
• 12:20
  great
• 12:20
  day.