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How Can I Afford My Kids’ Activities Without Going Broke? · Becoming Financially Confident

• 0:37
  Your
• 0:37
  child
• 0:38
  wants
• 0:38
  to
• 0:38
  do
• 0:38
  it
• 0:38
  all.
• 0:39
  I'm
• 0:39
  talking
• 0:39
  soccer,
• 0:40
  piano,
• 0:40
  robotics.
• 0:42
  But
• 0:42
  you're
• 0:43
  quietly
• 0:43
  asking
• 0:43
  yourself,
• 0:44
  can
• 0:45
  my
• 0:45
  budget
• 0:45
  keep
• 0:46
  up?
• 0:47
  What
• 0:47
  if
• 0:47
  you
• 0:47
  could
• 0:48
  say
• 0:48
  yes
• 0:48
  without
• 0:48
  the
• 0:49
  financial
• 0:49
  stress?
• 0:50
  Well,
• 0:50
  stick
• 0:50
  with
• 0:50
  me
• 0:50
  today
• 0:51
  because
• 0:51
  I'm
• 0:51
  sharing
• 0:51
  my
• 0:52
  strategy
• 0:52
  for
• 0:52
  managing
• 0:53
  extracurricular
• 0:54
  cost
• 0:54
  so
• 0:55
  that
• 0:55
  your
• 0:55
  kids
• 0:55
  can
• 0:55
  do
• 0:55
  all
• 0:56
  those
• 0:56
  things
• 0:56
  that
• 0:56
  you
• 0:56
  would
• 0:57
  hope
• 0:57
  they'd
• 0:57
  be
• 0:57
  able
• 0:57
  to
• 0:58
  do.
• 0:58
  That's
• 0:58
  what
• 0:58
  I'm
• 0:59
  going
• 0:59
  to
• 0:59
  cover
• 0:59
  on
• 0:59
  today's
• 0:59
  show.
• 1:00
  This
• 1:01
  is
• 1:01
  Financially
• 1:01
  Confident
• 1:02
  Christian,
• 1:03
  your
• 1:03
  daily
• 1:03
  dose
• 1:04
  of
• 1:04
  gospel,
• 1:04
  grounded
• 1:05
  insight
• 1:05
  and
• 1:05
  faith
• 1:06
  driven
• 1:06
  tips
• 1:06
  to
• 1:07
  help
• 1:07
  you
• 1:07
  break
• 1:07
  the
• 1:07
  cycle
• 1:08
  of
• 1:08
  financial
• 1:08
  shame
• 1:09
  with
• 1:09
  confidence.
• 1:12
  Hey
• 1:12
  there
• 1:12
  and
• 1:12
  welcome
• 1:13
  back
• 1:13
  to
• 1:13
  Financially
• 1:14
  Confident
• 1:14
  Christian.
• 1:15
  I'm
• 1:15
  Ralph
• 1:15
  and
• 1:15
  we're
• 1:16
  in
• 1:16
  our
• 1:16
  series
• 1:16
  Smart
• 1:17
  Money
• 1:17
  for
• 1:17
  Back
• 1:18
  to
• 1:18
  School
• 1:18
  and
• 1:18
  beyond.
• 1:19
  Now
• 1:19
  if
• 1:19
  you
• 1:19
  missed
• 1:19
  yesterday's
• 1:20
  show,
• 1:20
  we
• 1:21
  talked
• 1:21
  about
• 1:21
  doing
• 1:21
  clothing
• 1:22
  on
• 1:22
  a
• 1:22
  budget.
• 1:23
  We
• 1:23
  talked
• 1:23
  about
• 1:23
  thrifting
• 1:24
  and
• 1:24
  smart
• 1:25
  sales.
• 1:25
  So
• 1:25
  if
• 1:25
  you
• 1:25
  missed
• 1:26
  it,
• 1:26
  I'm
• 1:26
  going
• 1:26
  to
• 1:26
  encourage
• 1:27
  you
• 1:27
  to
• 1:27
  go
• 1:27
  check
• 1:27
  it
• 1:27
  out.
• 1:28
  You
• 1:28
  can
• 1:28
  do
• 1:28
  that
• 1:28
  always@financially
• 1:30
  confidentchristian.com.
• 1:32
  now
• 1:32
  today
• 1:33
  we're
• 1:33
  going
• 1:33
  to
• 1:33
  cover
• 1:33
  another
• 1:34
  big
• 1:34
  one
• 1:34
  and
• 1:35
  that's
• 1:35
  managing
• 1:35
  the
• 1:36
  cost
• 1:36
  of
• 1:36
  kids
• 1:37
  activities.
• 1:38
  Listen,
• 1:38
  I
• 1:38
  can
• 1:38
  still
• 1:39
  remember
• 1:39
  your
• 1:39
  funny
• 1:40
  story
• 1:40
  here.
• 1:40
  I
• 1:40
  can
• 1:40
  still
• 1:40
  remember
• 1:41
  going,
• 1:41
  going
• 1:41
  into
• 1:41
  fourth
• 1:42
  grade.
• 1:42
  I
• 1:42
  remember
• 1:42
  I
• 1:43
  was
• 1:43
  walking
• 1:43
  down
• 1:43
  the
• 1:44
  hall
• 1:44
  in
• 1:44
  my,
• 1:44
  my
• 1:45
  new
• 1:45
  school
• 1:45
  at
• 1:45
  the
• 1:45
  time
• 1:46
  it
• 1:46
  was
• 1:46
  in
• 1:46
  Wilmington,
• 1:46
  Delaware
• 1:47
  as
• 1:47
  a
• 1:47
  matter
• 1:47
  of
• 1:47
  fact.
• 1:47
  And
• 1:48
  I'm
• 1:48
  walking
• 1:48
  down
• 1:48
  the
• 1:49
  hall
• 1:49
  and
• 1:49
  all
• 1:49
  of
• 1:49
  a
• 1:50
  sudden
• 1:50
  this
• 1:50
  big
• 1:50
  tall,
• 1:50
  lanky
• 1:51
  guy
• 1:51
  comes
• 1:51
  around
• 1:51
  the
• 1:52
  corner.
• 1:52
  He
• 1:52
  says,
• 1:52
  hey,
• 1:53
  you
• 1:53
  look
• 1:53
  like
• 1:53
  a
• 1:53
  tuba
• 1:54
  player.
• 1:54
  I
• 1:55
  said,
• 1:55
  well,
• 1:56
  not
• 1:56
  really
• 1:56
  sure
• 1:56
  what
• 1:56
  a
• 1:57
  tuba
• 1:57
  player
• 1:57
  looks
• 1:58
  like,
• 1:58
  but
• 1:58
  looking
• 1:58
  back
• 1:58
  at
• 1:59
  it
• 1:59
  now,
• 1:59
  I
• 1:59
  guess
• 1:59
  because
• 2:00
  I
• 2:00
  was
• 2:00
  big
• 2:00
  enough
• 2:00
  to
• 2:01
  carry
• 2:01
  it.
• 2:01
  So
• 2:02
  I
• 2:02
  can
• 2:02
  still
• 2:02
  remember
• 2:03
  I
• 2:03
  got
• 2:03
  off
• 2:03
  the
• 2:03
  bus
• 2:04
  that
• 2:04
  day,
• 2:04
  ran
• 2:04
  to
• 2:05
  the
• 2:05
  house,
• 2:05
  ran
• 2:06
  in
• 2:06
  the
• 2:06
  front
• 2:06
  door
• 2:06
  and
• 2:06
  I
• 2:07
  said,
• 2:07
  mom,
• 2:07
  mom,
• 2:07
  listen,
• 2:08
  I've
• 2:08
  got
• 2:08
  some
• 2:08
  great
• 2:09
  news.
• 2:09
  I'm
• 2:09
  going
• 2:09
  to
• 2:09
  be
• 2:10
  a
• 2:10
  tuba
• 2:10
  player.
• 2:11
  Now
• 2:11
  of
• 2:11
  course
• 2:12
  my
• 2:12
  mom
• 2:12
  looked
• 2:12
  at
• 2:12
  me
• 2:12
  like
• 2:12
  I
• 2:13
  was
• 2:13
  nuts.
• 2:13
  She's
• 2:13
  like,
• 2:14
  what?
• 2:14
  First
• 2:14
  of
• 2:15
  all,
• 2:15
  I
• 2:15
  don't
• 2:15
  even
• 2:15
  know
• 2:15
  if
• 2:16
  she
• 2:16
  knew
• 2:16
  what
• 2:16
  a
• 2:16
  tuba
• 2:17
  was.
• 2:17
  And
• 2:17
  second
• 2:18
  is
• 2:18
  okay,
• 2:18
  but
• 2:18
  what
• 2:19
  does
• 2:19
  that
• 2:19
  mean?
• 2:19
  So
• 2:19
  I
• 2:20
  told
• 2:20
  my
• 2:20
  mom
• 2:20
  my
• 2:20
  plan.
• 2:21
  I
• 2:21
  said
• 2:21
  listen,
• 2:21
  I
• 2:21
  talked
• 2:22
  to
• 2:22
  the
• 2:22
  band
• 2:22
  director
• 2:23
  and
• 2:23
  he
• 2:23
  said
• 2:23
  that
• 2:24
  you
• 2:24
  can
• 2:24
  go
• 2:24
  to
• 2:24
  the
• 2:24
  such
• 2:25
  and
• 2:25
  such
• 2:25
  a
• 2:25
  store
• 2:26
  and
• 2:26
  we
• 2:26
  can
• 2:26
  rent
• 2:26
  a
• 2:26
  tuba
• 2:27
  and
• 2:27
  he's
• 2:27
  going
• 2:27
  to
• 2:28
  show
• 2:28
  me
• 2:28
  how
• 2:28
  to
• 2:28
  play
• 2:28
  the
• 2:28
  tuba
• 2:29
  and
• 2:29
  I'm
• 2:29
  going
• 2:29
  to
• 2:29
  be
• 2:29
  in
• 2:30
  the
• 2:30
  band
• 2:30
  and
• 2:30
  I'm
• 2:31
  going
• 2:31
  to
• 2:31
  do
• 2:31
  all
• 2:31
  these
• 2:31
  things.
• 2:32
  So
• 2:32
  of
• 2:33
  course
• 2:33
  my
• 2:33
  mom
• 2:33
  was
• 2:33
  one,
• 2:34
  hey,
• 2:34
  you
• 2:34
  know,
• 2:34
  she's
• 2:34
  on
• 2:34
  board.
• 2:35
  So
• 2:35
  we
• 2:35
  that
• 2:35
  after
• 2:36
  dinner
• 2:36
  we
• 2:36
  raced
• 2:36
  off
• 2:37
  to
• 2:37
  the
• 2:37
  music
• 2:37
  store.
• 2:38
  I
• 2:38
  remember
• 2:38
  we
• 2:39
  walked
• 2:39
  in
• 2:39
  the
• 2:39
  Front
• 2:39
  door
• 2:40
  of
• 2:40
  the
• 2:40
  store.
• 2:40
  And,
• 2:40
  man,
• 2:40
  there
• 2:41
  was.
• 2:41
  There
• 2:41
  was
• 2:41
  instruments
• 2:42
  just
• 2:42
  lying
• 2:42
  in
• 2:43
  the
• 2:43
  walls.
• 2:43
  I
• 2:43
  mean,
• 2:43
  you
• 2:43
  just
• 2:44
  picture
• 2:44
  this.
• 2:44
  If
• 2:44
  you.
• 2:44
  This
• 2:45
  line
• 2:45
  in
• 2:45
  the
• 2:45
  walls,
• 2:46
  every
• 2:46
  kind
• 2:46
  of
• 2:46
  instrument
• 2:47
  that
• 2:47
  you
• 2:47
  can
• 2:47
  imagine.
• 2:48
  And
• 2:49
  then
• 2:49
  all
• 2:49
  of
• 2:49
  a
• 2:49
  sudden,
• 2:49
  I
• 2:49
  look,
• 2:50
  and
• 2:50
  in
• 2:50
  the
• 2:50
  corner
• 2:50
  of
• 2:50
  my
• 2:50
  eye,
• 2:51
  I
• 2:51
  see
• 2:51
  the
• 2:51
  tuba.
• 2:52
  As
• 2:52
  a
• 2:52
  matter
• 2:52
  of
• 2:52
  fact,
• 2:53
  at
• 2:53
  this
• 2:53
  point,
• 2:53
  it's
• 2:53
  what's
• 2:53
  called
• 2:54
  a
• 2:54
  sousaphone.
• 2:54
  That's
• 2:55
  one
• 2:55
  of
• 2:55
  those
• 2:55
  ones
• 2:55
  that
• 2:55
  wraps
• 2:56
  around
• 2:56
  your
• 2:56
  head,
• 2:56
  and
• 2:56
  it's
• 2:56
  got
• 2:57
  a
• 2:57
  big
• 2:57
  horn
• 2:57
  on
• 2:57
  the
• 2:58
  top.
• 2:59
  So
• 2:59
  I
• 2:59
  said
• 2:59
  to
• 2:59
  the
• 3:00
  guy
• 3:00
  at
• 3:00
  the
• 3:00
  store,
• 3:00
  he's
• 3:00
  like,
• 3:00
  hey,
• 3:01
  what
• 3:01
  can
• 3:01
  I
• 3:01
  help
• 3:01
  you
• 3:01
  with?
• 3:01
  I
• 3:02
  said,
• 3:02
  hey,
• 3:02
  man,
• 3:02
  I
• 3:02
  want
• 3:02
  to
• 3:03
  Renatuba.
• 3:04
  Well,
• 3:05
  it
• 3:05
  was
• 3:05
  like
• 3:05
  he
• 3:05
  was
• 3:05
  crushing
• 3:06
  my
• 3:06
  dreams.
• 3:06
  He
• 3:06
  says,
• 3:06
  listen,
• 3:07
  we
• 3:07
  don't
• 3:07
  rent
• 3:07
  tubas.
• 3:09
  So
• 3:09
  I
• 3:09
  said,
• 3:09
  okay,
• 3:09
  well,
• 3:10
  let's
• 3:10
  just
• 3:10
  buy
• 3:10
  one.
• 3:11
  Looked
• 3:12
  at
• 3:12
  my
• 3:12
  mom
• 3:12
  and
• 3:12
  I
• 3:12
  said,
• 3:13
  hey,
• 3:13
  mom,
• 3:13
  you
• 3:13
  know
• 3:13
  what?
• 3:13
  Here's
• 3:13
  what
• 3:13
  we
• 3:13
  can
• 3:14
  do.
• 3:14
  We
• 3:14
  can
• 3:14
  just
• 3:14
  buy
• 3:14
  one.
• 3:15
  And
• 3:15
  she
• 3:16
  says,
• 3:16
  son,
• 3:16
  I
• 3:16
  don't
• 3:16
  know
• 3:16
  about
• 3:17
  buying
• 3:17
  one.
• 3:17
  I
• 3:17
  might
• 3:18
  be
• 3:18
  able
• 3:18
  to
• 3:18
  rent
• 3:18
  you
• 3:18
  one.
• 3:18
  But
• 3:19
  buying
• 3:19
  one.
• 3:19
  She
• 3:19
  goes,
• 3:20
  well,
• 3:20
  let's
• 3:20
  find
• 3:20
  out
• 3:20
  how
• 3:20
  much
• 3:20
  the
• 3:21
  price
• 3:21
  is.
• 3:21
  So
• 3:21
  the
• 3:22
  guy
• 3:22
  comes
• 3:22
  out,
• 3:22
  he
• 3:22
  goes,
• 3:22
  yeah,
• 3:23
  that
• 3:23
  one
• 3:23
  right
• 3:23
  over
• 3:23
  there
• 3:24
  is
• 3:24
  $5,000.
• 3:26
  My
• 3:26
  mom
• 3:26
  says,
• 3:27
  no,
• 3:28
  you're
• 3:28
  not
• 3:28
  going
• 3:28
  to
• 3:28
  be
• 3:28
  renting
• 3:29
  a
• 3:29
  tuba.
• 3:30
  So,
• 3:30
  of
• 3:30
  course,
• 3:30
  my
• 3:31
  dreams
• 3:31
  are
• 3:31
  shattered.
• 3:32
  But
• 3:32
  the
• 3:32
  guy
• 3:32
  says
• 3:33
  to
• 3:33
  me,
• 3:33
  says,
• 3:33
  hey,
• 3:33
  you
• 3:33
  know,
• 3:34
  you
• 3:34
  know
• 3:34
  what
• 3:34
  you
• 3:34
  really
• 3:34
  look
• 3:34
  like?
• 3:35
  He
• 3:35
  said,
• 3:35
  you
• 3:35
  look
• 3:35
  like
• 3:35
  a
• 3:36
  trumpet
• 3:36
  player.
• 3:36
  So
• 3:37
  guess
• 3:37
  what?
• 3:37
  That
• 3:38
  night,
• 3:38
  we
• 3:38
  walked
• 3:38
  out
• 3:39
  the
• 3:39
  door
• 3:39
  with
• 3:39
  a
• 3:39
  little
• 3:40
  box
• 3:40
  and
• 3:40
  a
• 3:40
  trumpet
• 3:41
  inside
• 3:41
  of
• 3:41
  it.
• 3:41
  It
• 3:42
  was
• 3:42
  still
• 3:42
  expensive,
• 3:42
  but
• 3:43
  she
• 3:43
  was
• 3:43
  able
• 3:43
  to
• 3:44
  rent
• 3:44
  it.
• 3:44
  I
• 3:44
  went
• 3:45
  back
• 3:45
  to
• 3:45
  school
• 3:45
  the
• 3:45
  next
• 3:45
  day,
• 3:46
  and
• 3:46
  I
• 3:46
  said
• 3:46
  to
• 3:46
  the
• 3:46
  band
• 3:47
  director,
• 3:47
  I
• 3:47
  said,
• 3:47
  hey,
• 3:48
  guess
• 3:48
  what?
• 3:48
  I
• 3:48
  got
• 3:49
  a
• 3:49
  little
• 3:49
  tuba.
• 3:49
  It's
• 3:50
  called
• 3:50
  a
• 3:50
  trumpet.
• 3:51
  Looked
• 3:51
  at
• 3:51
  me
• 3:51
  like
• 3:52
  I
• 3:52
  was
• 3:52
  crazy.
• 3:52
  Says,
• 3:53
  well,
• 3:53
  we'll
• 3:53
  make
• 3:53
  that
• 3:54
  do.
• 3:54
  Now,
• 3:54
  turns
• 3:55
  out
• 3:55
  I
• 3:55
  can
• 3:55
  tell
• 3:55
  this
• 3:55
  story.
• 3:56
  No,
• 3:56
  they
• 3:56
  end
• 3:56
  up
• 3:56
  playing
• 3:57
  tuba
• 3:57
  in
• 3:57
  junior
• 3:57
  high
• 3:58
  school,
• 3:58
  up
• 3:58
  through
• 3:58
  college,
• 3:59
  and
• 3:59
  to
• 4:00
  this
• 4:00
  day,
• 4:00
  I've
• 4:00
  never
• 4:00
  actually
• 4:01
  owned
• 4:01
  a
• 4:01
  tuba.
• 4:02
  But
• 4:03
  the
• 4:03
  truth
• 4:03
  is,
• 4:04
  as
• 4:04
  we
• 4:04
  look
• 4:04
  at
• 4:04
  this,
• 4:05
  every
• 4:05
  interest
• 4:05
  that
• 4:06
  your
• 4:06
  child
• 4:06
  has
• 4:07
  is
• 4:07
  a
• 4:07
  new
• 4:08
  cost.
• 4:09
  Things
• 4:09
  like
• 4:09
  registration,
• 4:10
  things
• 4:10
  like
• 4:11
  gear,
• 4:11
  and
• 4:11
  things
• 4:11
  like
• 4:12
  travel.
• 4:12
  And
• 4:12
  if
• 4:13
  you're
• 4:13
  like
• 4:13
  me,
• 4:13
  you
• 4:13
  want
• 4:13
  to
• 4:14
  support
• 4:14
  them,
• 4:14
  you
• 4:14
  want
• 4:14
  to
• 4:14
  support
• 4:15
  your
• 4:15
  kids.
• 4:16
  But
• 4:16
  as
• 4:17
  my
• 4:17
  mom
• 4:17
  learned,
• 4:17
  those
• 4:18
  expenses
• 4:18
  add
• 4:18
  up
• 4:19
  fast.
• 4:20
  And
• 4:20
  all
• 4:20
  of
• 4:20
  a
• 4:20
  sudden,
• 4:21
  you're
• 4:21
  starting
• 4:21
  to
• 4:21
  feel
• 4:21
  torn.
• 4:22
  You're
• 4:22
  thinking,
• 4:23
  do
• 4:23
  I
• 4:23
  invest
• 4:23
  in
• 4:24
  their
• 4:24
  passions?
• 4:25
  I
• 4:25
  want
• 4:25
  my
• 4:25
  children
• 4:26
  to
• 4:26
  explore
• 4:26
  new
• 4:26
  things.
• 4:27
  I
• 4:27
  remember
• 4:27
  when
• 4:28
  my
• 4:28
  kids
• 4:28
  were
• 4:28
  young,
• 4:28
  one
• 4:29
  of
• 4:29
  them
• 4:29
  wanted
• 4:29
  to
• 4:29
  play
• 4:29
  the
• 4:29
  drums,
• 4:30
  and
• 4:30
  we
• 4:30
  went
• 4:30
  out
• 4:30
  and
• 4:30
  bought
• 4:30
  a
• 4:30
  drum
• 4:31
  set.
• 4:31
  Another
• 4:31
  one
• 4:31
  wanted
• 4:32
  to
• 4:32
  play
• 4:32
  the
• 4:32
  guitar.
• 4:33
  I
• 4:34
  wanted
• 4:34
  to
• 4:34
  invest
• 4:34
  in
• 4:34
  their
• 4:35
  passions.
• 4:36
  But
• 4:36
  you
• 4:36
  also
• 4:37
  have
• 4:37
  to
• 4:37
  be
• 4:37
  wondering
• 4:37
  about
• 4:38
  will
• 4:38
  I
• 4:38
  be
• 4:38
  able
• 4:38
  to
• 4:38
  protect
• 4:39
  my
• 4:39
  budget?
• 4:40
  And
• 4:40
  see,
• 4:41
  that
• 4:41
  tension
• 4:41
  right
• 4:42
  there
• 4:42
  is
• 4:43
  what
• 4:43
  I'm
• 4:43
  talking
• 4:43
  about
• 4:43
  that's
• 4:44
  palatable
• 4:44
  today.
• 4:45
  And
• 4:45
  it
• 4:46
  leads
• 4:46
  to
• 4:46
  overspending
• 4:47
  and
• 4:48
  sometimes,
• 4:48
  if
• 4:48
  you're
• 4:48
  not
• 4:49
  careful,
• 4:49
  can
• 4:49
  lead
• 4:49
  to
• 4:50
  resentment
• 4:50
  on
• 4:51
  both
• 4:51
  parties.
• 4:53
  But
• 4:53
  here's
• 4:53
  the
• 4:53
  thing
• 4:53
  I
• 4:53
  want
• 4:53
  you
• 4:54
  to
• 4:54
  understand
• 4:54
  today.
• 4:55
  As
• 4:55
  I
• 4:55
  learned
• 4:56
  with
• 4:56
  the
• 4:56
  tuba,
• 4:57
  not
• 4:57
  every
• 4:58
  opportunity
• 4:59
  is
• 4:59
  essential.
• 5:01
  And
• 5:01
  the
• 5:01
  key
• 5:01
  is
• 5:01
  prioritization.
• 5:02
  Prioritization
• 5:03
  is
• 5:03
  a
• 5:04
  powerful
• 5:04
  thing.
• 5:04
  Let's
• 5:04
  look
• 5:04
  at
• 5:05
  the
• 5:05
  word
• 5:05
  of
• 5:05
  God
• 5:05
  about
• 5:05
  this.
• 5:07
  From
• 5:07
  the
• 5:07
  Book
• 5:07
  of
• 5:07
  Proverbs,
• 5:08
  chapter
• 5:08
  4,
• 5:09
  verse
• 5:09
  7
• 5:09
  says,
• 5:10
  this
• 5:11
  wisdom
• 5:11
  is
• 5:12
  supreme,
• 5:13
  therefore
• 5:14
  get
• 5:14
  wisdom.
• 5:14
  What
• 5:15
  a
• 5:15
  great
• 5:15
  verse.
• 5:16
  Wisdom
• 5:16
  is
• 5:17
  supreme.
• 5:18
  So
• 5:18
  get
• 5:18
  wisdom.
• 5:19
  Let's
• 5:19
  move
• 5:19
  on
• 5:19
  to
• 5:20
  Philippians,
• 5:20
  chapter
• 5:21
  4,
• 5:21
  verses
• 5:22
  11
• 5:22
  to
• 5:22
  13.
• 5:23
  This
• 5:23
  is
• 5:23
  what
• 5:24
  it
• 5:24
  says,
• 5:24
  not
• 5:25
  that
• 5:25
  I
• 5:25
  speak
• 5:25
  in
• 5:25
  regard
• 5:26
  to
• 5:26
  need.
• 5:27
  For
• 5:27
  I
• 5:27
  have
• 5:27
  learned
• 5:28
  whatever
• 5:28
  state
• 5:28
  I
• 5:28
  am
• 5:29
  to
• 5:29
  be
• 5:29
  content.
• 5:30
  I
• 5:30
  know
• 5:31
  how
• 5:31
  to
• 5:31
  be
• 5:31
  abased,
• 5:32
  and
• 5:32
  I
• 5:32
  know
• 5:32
  how
• 5:32
  to
• 5:33
  abound.
• 5:34
  Everywhere
• 5:34
  and
• 5:35
  in
• 5:35
  all
• 5:35
  things.
• 5:35
  I
• 5:35
  have
• 5:35
  learned
• 5:36
  to
• 5:36
  be
• 5:36
  both
• 5:36
  full
• 5:37
  and
• 5:37
  to
• 5:37
  be
• 5:37
  hungry,
• 5:38
  both
• 5:38
  to
• 5:38
  abound
• 5:39
  and
• 5:39
  to
• 5:39
  suffer
• 5:40
  need.
• 5:41
  And
• 5:41
  of
• 5:41
  course,
• 5:41
  this
• 5:42
  ends
• 5:42
  the
• 5:42
  most,
• 5:42
  probably
• 5:43
  the
• 5:43
  most
• 5:43
  beautiful
• 5:43
  verse
• 5:44
  of
• 5:44
  the
• 5:44
  Bible.
• 5:44
  I
• 5:44
  can
• 5:45
  do
• 5:45
  all
• 5:45
  things
• 5:45
  through
• 5:46
  Christ,
• 5:46
  who
• 5:46
  strengthens
• 5:47
  me.
• 5:49
  So
• 5:49
  what
• 5:49
  I
• 5:49
  want
• 5:49
  you
• 5:49
  to
• 5:49
  do
• 5:50
  is
• 5:50
  focus
• 5:50
  on
• 5:50
  saying
• 5:51
  yes
• 5:51
  to
• 5:51
  what
• 5:51
  matters
• 5:52
  most
• 5:53
  and
• 5:53
  do
• 5:53
  it
• 5:54
  with
• 5:54
  peace.
• 5:55
  And
• 5:55
  the
• 5:55
  way
• 5:55
  you
• 5:55
  do
• 5:56
  that
• 5:56
  is
• 5:56
  to
• 5:56
  teach
• 5:56
  your
• 5:57
  kids
• 5:57
  to
• 5:57
  discern
• 5:57
  value
• 5:58
  and
• 5:58
  timing,
• 6:00
  because
• 6:00
  you
• 6:00
  don't
• 6:00
  have
• 6:00
  to
• 6:00
  do
• 6:01
  everything.
• 6:01
  In
• 6:01
  fact,
• 6:01
  to
• 6:02
  be
• 6:02
  very
• 6:02
  candid
• 6:02
  with
• 6:03
  you,
• 6:03
  I
• 6:03
  think
• 6:03
  kids
• 6:04
  are
• 6:04
  doing
• 6:04
  too
• 6:04
  much.
• 6:05
  So
• 6:05
  now
• 6:06
  you're
• 6:06
  asking
• 6:06
  Ralph,
• 6:06
  okay,
• 6:07
  what
• 6:07
  can
• 6:07
  we
• 6:07
  do?
• 6:08
  How
• 6:08
  do
• 6:08
  we
• 6:08
  solve
• 6:08
  this
• 6:09
  dilemma?
• 6:09
  What's
• 6:09
  the
• 6:09
  solution?
• 6:11
  Well,
• 6:11
  as
• 6:12
  normal,
• 6:12
  I've
• 6:12
  got
• 6:12
  a
• 6:13
  solution
• 6:13
  that's
• 6:13
  create
• 6:13
  a
• 6:13
  simple
• 6:14
  extracurricular
• 6:14
  plan
• 6:15
  and
• 6:15
  stick
• 6:15
  to
• 6:15
  a
• 6:16
  budget
• 6:16
  that
• 6:16
  fits
• 6:17
  your
• 6:17
  family.
• 6:18
  You
• 6:18
  got
• 6:19
  to
• 6:19
  learn
• 6:19
  to
• 6:19
  balance
• 6:19
  joy,
• 6:20
  balance
• 6:21
  growth,
• 6:21
  and
• 6:21
  also
• 6:22
  balance
• 6:22
  wise
• 6:23
  stewardship.
• 6:23
  Because
• 6:23
  like
• 6:24
  I
• 6:24
  said
• 6:24
  before,
• 6:25
  kids
• 6:25
  do
• 6:25
  too
• 6:25
  much
• 6:26
  at
• 6:26
  times.
• 6:26
  So
• 6:27
  here's
• 6:27
  your
• 6:27
  one
• 6:27
  action
• 6:28
  step
• 6:28
  for
• 6:28
  today.
• 6:29
  I
• 6:29
  want
• 6:29
  you
• 6:29
  to
• 6:29
  start
• 6:30
  by
• 6:30
  listing
• 6:30
  out
• 6:31
  all
• 6:31
  of
• 6:31
  those
• 6:31
  activities.
• 6:32
  And
• 6:32
  listen,
• 6:33
  these
• 6:33
  kids
• 6:33
  today,
• 6:33
  they
• 6:33
  do
• 6:34
  all
• 6:34
  kinds
• 6:34
  of
• 6:34
  stuff.
• 6:35
  Not.
• 6:35
  Not
• 6:35
  that
• 6:35
  I'm
• 6:35
  against
• 6:36
  that,
• 6:36
  but,
• 6:36
  I
• 6:36
  mean,
• 6:36
  sometimes
• 6:37
  I
• 6:37
  feel
• 6:37
  like
• 6:37
  these
• 6:37
  parents
• 6:38
  are
• 6:38
  like
• 6:38
  taxicab
• 6:39
  services.
• 6:40
  But
• 6:40
  start
• 6:40
  with
• 6:41
  that.
• 6:41
  List
• 6:41
  all
• 6:41
  the
• 6:41
  activities.
• 6:42
  Brainstorm
• 6:43
  everything
• 6:43
  your
• 6:43
  kids
• 6:44
  are
• 6:44
  interested
• 6:44
  in.
• 6:45
  Write
• 6:45
  every
• 6:46
  single
• 6:46
  thing
• 6:46
  down.
• 6:46
  Maybe
• 6:47
  they
• 6:47
  like
• 6:47
  drama.
• 6:48
  Maybe
• 6:48
  they
• 6:48
  want
• 6:48
  to
• 6:48
  play
• 6:49
  the
• 6:49
  tuba
• 6:49
  like
• 6:49
  Ralph.
• 6:50
  They
• 6:50
  want
• 6:50
  to
• 6:50
  do,
• 6:51
  you
• 6:51
  know,
• 6:51
  sports.
• 6:51
  They
• 6:52
  want
• 6:52
  to
• 6:52
  what?
• 6:52
  All
• 6:52
  those
• 6:52
  things
• 6:52
  are.
• 6:53
  Brainstorm
• 6:53
  everything
• 6:54
  your
• 6:54
  kids
• 6:54
  are
• 6:54
  interested
• 6:55
  in
• 6:55
  and
• 6:55
  write
• 6:55
  it
• 6:55
  all
• 6:56
  down.
• 6:56
  So
• 6:56
  that's
• 6:56
  the
• 6:56
  first
• 6:57
  step,
• 6:57
  second
• 6:58
  step.
• 6:58
  Is
• 6:58
  really
• 6:58
  research
• 6:59
  the
• 6:59
  true
• 7:00
  cost
• 7:00
  of
• 7:00
  those
• 7:00
  things.
• 7:01
  And
• 7:01
  I'm
• 7:01
  talking
• 7:01
  about
• 7:02
  under
• 7:02
  the
• 7:02
  hood
• 7:02
  research.
• 7:03
  What
• 7:03
  is
• 7:03
  the
• 7:04
  registration
• 7:04
  fees,
• 7:05
  what
• 7:05
  are
• 7:05
  supplies
• 7:06
  you
• 7:06
  need?
• 7:06
  What
• 7:06
  are
• 7:07
  the
• 7:07
  uniforms?
• 7:07
  Hey,
• 7:08
  when
• 7:08
  I
• 7:08
  played
• 7:08
  in
• 7:08
  high
• 7:09
  school
• 7:09
  marching
• 7:09
  band,
• 7:09
  there
• 7:09
  were
• 7:10
  uniform
• 7:10
  components
• 7:11
  I
• 7:11
  had
• 7:11
  to
• 7:11
  buy.
• 7:12
  Is
• 7:12
  there
• 7:12
  travel?
• 7:13
  A
• 7:13
  lot
• 7:13
  of
• 7:13
  these
• 7:13
  sports
• 7:14
  teams
• 7:14
  do
• 7:14
  travel.
• 7:15
  And
• 7:15
  what
• 7:15
  are
• 7:15
  the
• 7:15
  deadlines?
• 7:16
  So
• 7:16
  really
• 7:17
  research
• 7:17
  those
• 7:17
  true
• 7:18
  costs
• 7:18
  and
• 7:19
  get
• 7:19
  to
• 7:19
  those
• 7:20
  things
• 7:20
  so
• 7:20
  that
• 7:20
  you
• 7:20
  can
• 7:21
  put
• 7:21
  those
• 7:21
  on
• 7:21
  the
• 7:21
  list.
• 7:22
  And
• 7:22
  then
• 7:22
  as
• 7:22
  a
• 7:23
  family,
• 7:23
  step
• 7:24
  number
• 7:24
  three,
• 7:24
  prioritize
• 7:25
  these
• 7:26
  things.
• 7:26
  You
• 7:27
  know,
• 7:27
  you're
• 7:27
  going
• 7:27
  to
• 7:27
  have
• 7:27
  to
• 7:28
  learn
• 7:28
  and
• 7:28
  teach
• 7:29
  your
• 7:29
  kids
• 7:29
  that
• 7:30
  they
• 7:30
  have
• 7:30
  limited
• 7:31
  resources.
• 7:31
  So
• 7:31
  choose
• 7:32
  one
• 7:32
  or
• 7:32
  two
• 7:32
  per
• 7:33
  child
• 7:33
  that
• 7:33
  fit
• 7:33
  your
• 7:34
  budget
• 7:34
  and
• 7:34
  fit
• 7:35
  your
• 7:35
  values.
• 7:35
  And
• 7:36
  sometimes
• 7:36
  you're
• 7:36
  going
• 7:36
  to
• 7:36
  have
• 7:36
  to
• 7:37
  say
• 7:37
  this
• 7:37
  with
• 7:37
  tough
• 7:37
  love.
• 7:37
  Say,
• 7:38
  hey,
• 7:38
  listen,
• 7:39
  not
• 7:39
  this
• 7:39
  season.
• 7:40
  Sometimes
• 7:41
  you're
• 7:41
  gonna
• 7:41
  have
• 7:41
  to
• 7:41
  say
• 7:41
  your
• 7:42
  kid,
• 7:42
  look,
• 7:42
  way
• 7:42
  people
• 7:43
  do
• 7:43
  that
• 7:43
  next
• 7:43
  season.
• 7:43
  Let's.
• 7:44
  Let's
• 7:44
  pick
• 7:44
  two
• 7:44
  things
• 7:45
  right
• 7:45
  now.
• 7:45
  I
• 7:46
  can
• 7:46
  only
• 7:46
  imagine
• 7:46
  I
• 7:47
  came
• 7:47
  home
• 7:47
  and
• 7:47
  said
• 7:47
  to
• 7:47
  my
• 7:47
  mom,
• 7:47
  hey,
• 7:48
  I
• 7:48
  want
• 7:48
  to
• 7:48
  go
• 7:48
  get
• 7:48
  a
• 7:48
  tuba.
• 7:49
  And
• 7:49
  then
• 7:49
  I
• 7:49
  want
• 7:49
  to
• 7:49
  go
• 7:49
  get
• 7:49
  a
• 7:50
  football
• 7:50
  uniform,
• 7:51
  and
• 7:51
  I'm
• 7:51
  gonna
• 7:51
  get
• 7:51
  this
• 7:51
  and
• 7:51
  that.
• 7:51
  And
• 7:52
  she'd
• 7:52
  have
• 7:52
  been
• 7:52
  like,
• 7:52
  wait
• 7:52
  a
• 7:52
  minute,
• 7:53
  there's
• 7:53
  only
• 7:53
  so
• 7:53
  much
• 7:54
  you
• 7:54
  can
• 7:54
  do.
• 7:55
  So
• 7:55
  this
• 7:55
  is
• 7:55
  a
• 7:55
  time
• 7:56
  to
• 7:56
  prioritize
• 7:56
  that
• 7:57
  as
• 7:57
  a
• 7:57
  family
• 7:57
  and
• 7:58
  let
• 7:58
  your
• 7:58
  children
• 7:58
  get
• 7:59
  involved.
• 7:59
  Make
• 8:00
  one
• 8:00
  or
• 8:00
  two
• 8:00
  things
• 8:00
  that
• 8:01
  fit,
• 8:01
  and
• 8:02
  I
• 8:02
  want
• 8:02
  you
• 8:02
  do
• 8:02
  that.
• 8:03
  Reduce
• 8:03
  the
• 8:03
  cost.
• 8:03
  Hey,
• 8:04
  one
• 8:04
  of
• 8:04
  the
• 8:04
  things
• 8:04
  you
• 8:04
  can
• 8:04
  do
• 8:05
  is
• 8:05
  look
• 8:05
  for
• 8:05
  secondhand
• 8:06
  gear.
• 8:07
  There's
• 8:07
  a
• 8:07
  lot
• 8:07
  of
• 8:07
  secondhand
• 8:08
  gear
• 8:08
  on.
• 8:08
  Because
• 8:09
  here's
• 8:09
  the
• 8:09
  thing
• 8:09
  about
• 8:09
  kids
• 8:10
  in
• 8:10
  school.
• 8:11
  A
• 8:11
  lot
• 8:11
  of
• 8:11
  times
• 8:11
  they'll
• 8:12
  try
• 8:12
  stuff
• 8:12
  and
• 8:12
  they
• 8:12
  find
• 8:12
  I
• 8:13
  don't
• 8:13
  really
• 8:13
  like
• 8:14
  that
• 8:14
  so
• 8:14
  much.
• 8:14
  Now,
• 8:15
  I
• 8:15
  didn't
• 8:15
  really
• 8:15
  spend
• 8:15
  a
• 8:16
  lot
• 8:16
  of
• 8:16
  time
• 8:16
  looking
• 8:16
  for
• 8:16
  used
• 8:17
  tubas.
• 8:17
  Maybe
• 8:18
  I
• 8:18
  could
• 8:18
  have
• 8:18
  and
• 8:18
  found
• 8:18
  one.
• 8:19
  But
• 8:19
  there's
• 8:19
  also
• 8:20
  scholarships,
• 8:20
  there's
• 8:21
  volunteer
• 8:21
  discounts,
• 8:22
  there's
• 8:22
  carpooling.
• 8:23
  There's
• 8:24
  always
• 8:24
  to
• 8:25
  reduce
• 8:25
  costs.
• 8:26
  And
• 8:26
  then
• 8:26
  once
• 8:26
  you
• 8:27
  figure
• 8:27
  out,
• 8:27
  okay,
• 8:27
  here's
• 8:28
  the
• 8:28
  way
• 8:28
  I
• 8:28
  can
• 8:28
  reduce
• 8:28
  those
• 8:29
  costs,
• 8:29
  then
• 8:29
  budget
• 8:30
  it.
• 8:30
  This
• 8:30
  is
• 8:31
  a
• 8:31
  time
• 8:31
  to
• 8:31
  add
• 8:31
  that
• 8:32
  extracurricular
• 8:32
  line
• 8:33
  right
• 8:33
  to
• 8:33
  your
• 8:33
  budget,
• 8:34
  right
• 8:34
  to
• 8:34
  that
• 8:34
  monthly
• 8:35
  budget.
• 8:35
  Plan
• 8:36
  and
• 8:36
  fund
• 8:36
  it
• 8:37
  intentionally,
• 8:39
  because
• 8:39
  this
• 8:39
  helps
• 8:39
  keep
• 8:39
  your
• 8:40
  budget
• 8:40
  in
• 8:40
  check.
• 8:40
  See,
• 8:41
  that's
• 8:41
  the
• 8:41
  key.
• 8:42
  And
• 8:42
  kids
• 8:42
  appreciate
• 8:43
  limits
• 8:44
  and
• 8:44
  kids
• 8:44
  appreciate
• 8:45
  values.
• 8:45
  Now,
• 8:45
  that
• 8:45
  might
• 8:46
  be
• 8:46
  contrary
• 8:47
  to
• 8:47
  popular
• 8:47
  belief,
• 8:47
  but
• 8:48
  I
• 8:48
  truly
• 8:48
  believe
• 8:49
  when
• 8:49
  my
• 8:49
  mom
• 8:49
  said
• 8:50
  to
• 8:50
  me,
• 8:50
  listen,
• 8:50
  son,
• 8:51
  I'm
• 8:51
  not
• 8:51
  buying
• 8:52
  that
• 8:52
  $5,000
• 8:53
  tuba
• 8:54
  at
• 8:54
  the
• 8:54
  time,
• 8:54
  I
• 8:55
  was
• 8:55
  like,
• 8:55
  eh,
• 8:55
  that
• 8:55
  stinks.
• 8:56
  But
• 8:56
  I
• 8:56
  got
• 8:56
  a
• 8:56
  trumpet
• 8:57
  anyway
• 8:57
  out
• 8:57
  of
• 8:57
  the
• 8:57
  deal.
• 8:58
  But
• 8:58
  kids
• 8:59
  really
• 8:59
  do
• 8:59
  appreciate
• 8:59
  limits
• 9:00
  and
• 9:00
  they
• 9:00
  appreciate
• 9:01
  values,
• 9:01
  and
• 9:01
  that's
• 9:02
  going
• 9:02
  to
• 9:02
  be
• 9:02
  things
• 9:02
  that
• 9:02
  are
• 9:02
  going
• 9:03
  to.
• 9:03
  They're
• 9:03
  going
• 9:03
  to
• 9:04
  pay
• 9:04
  dividends
• 9:04
  for
• 9:04
  them
• 9:04
  for
• 9:05
  life.
• 9:06
  And
• 9:06
  it.
• 9:06
  And
• 9:06
  it
• 9:06
  reduces
• 9:07
  family
• 9:07
  stress
• 9:08
  and
• 9:08
  it
• 9:08
  reduces
• 9:09
  family
• 9:09
  guilt.
• 9:10
  And
• 9:10
  it
• 9:10
  builds
• 9:11
  a
• 9:11
  margin
• 9:11
  for
• 9:11
  generosity
• 9:12
  and
• 9:13
  other
• 9:13
  goals.
• 9:14
  How
• 9:14
  about
• 9:14
  we
• 9:14
  pray
• 9:15
  together?
• 9:16
  Father?
• 9:16
  God,
• 9:16
  we
• 9:16
  just
• 9:17
  thank
• 9:17
  you
• 9:17
  for
• 9:17
  the
• 9:17
  talents
• 9:18
  and
• 9:18
  the
• 9:18
  passions
• 9:18
  you've
• 9:19
  placed
• 9:19
  in
• 9:19
  our
• 9:19
  children.
• 9:20
  We
• 9:20
  are
• 9:20
  so
• 9:20
  grateful
• 9:21
  that
• 9:21
  you've
• 9:21
  given
• 9:21
  those
• 9:22
  passions,
• 9:22
  those
• 9:22
  interests,
• 9:23
  Lord.
• 9:24
  And
• 9:24
  we
• 9:24
  confess
• 9:24
  that
• 9:25
  managing
• 9:25
  activity
• 9:26
  costs
• 9:26
  can
• 9:26
  be
• 9:26
  overwhelming.
• 9:27
  It
• 9:28
  can
• 9:28
  feel
• 9:28
  really
• 9:28
  overwhelming
• 9:29
  for
• 9:29
  us
• 9:29
  at
• 9:30
  times,
• 9:30
  Lord.
• 9:31
  So
• 9:31
  we
• 9:31
  ask
• 9:31
  that
• 9:31
  you
• 9:31
  would
• 9:31
  just
• 9:32
  give
• 9:32
  us
• 9:32
  wisdom
• 9:33
  to
• 9:33
  discern
• 9:33
  what
• 9:33
  aligns
• 9:34
  with
• 9:34
  our
• 9:34
  values
• 9:35
  and
• 9:35
  your
• 9:35
  will.
• 9:36
  Lord,
• 9:36
  help
• 9:36
  us
• 9:36
  to
• 9:36
  really
• 9:37
  live
• 9:37
  in.
• 9:38
  And
• 9:38
  Lord,
• 9:39
  help
• 9:39
  us
• 9:39
  to
• 9:39
  support
• 9:39
  our
• 9:40
  children's
• 9:40
  growth
• 9:40
  without
• 9:41
  sacrificing
• 9:41
  the
• 9:42
  peace
• 9:42
  of
• 9:42
  our
• 9:42
  home,
• 9:42
  without
• 9:43
  sacrificing
• 9:44
  our
• 9:44
  budgets
• 9:44
  and
• 9:45
  that
• 9:45
  margin.
• 9:45
  We
• 9:45
  need
• 9:46
  to
• 9:46
  really
• 9:46
  be
• 9:47
  successful
• 9:47
  stewards
• 9:48
  of
• 9:48
  the
• 9:48
  resources
• 9:49
  you've
• 9:49
  given.
• 9:50
  Lord,
• 9:50
  we
• 9:50
  ask
• 9:50
  that
• 9:50
  our
• 9:51
  decisions
• 9:51
  will
• 9:51
  be
• 9:51
  guided
• 9:52
  by
• 9:52
  your
• 9:52
  stewardship
• 9:53
  and
• 9:53
  your
• 9:53
  joy.
• 9:54
  And
• 9:54
  we
• 9:54
  ask
• 9:54
  this
• 9:54
  with
• 9:55
  confidence
• 9:56
  in
• 9:56
  Jesus
• 9:56
  name,
• 9:57
  Amen.
• 9:59
  Listen,
• 10:00
  you
• 10:00
  can
• 10:00
  say
• 10:01
  yes
• 10:01
  to
• 10:01
  your
• 10:01
  kids
• 10:02
  and
• 10:02
  yes
• 10:03
  to
• 10:03
  your
• 10:03
  peace
• 10:03
  at
• 10:04
  the
• 10:04
  same
• 10:04
  time.
• 10:04
  You
• 10:05
  can
• 10:05
  do
• 10:05
  it.
• 10:05
  Just
• 10:06
  make
• 10:06
  your
• 10:06
  extracurricular
• 10:07
  plan
• 10:07
  today.
• 10:08
  You're
• 10:09
  moving
• 10:09
  forward
• 10:09
  with
• 10:09
  intentional
• 10:10
  family
• 10:11
  freedom.
• 10:12
  Now,
• 10:12
  as
• 10:12
  we're
• 10:12
  talking
• 10:13
  about
• 10:13
  being
• 10:13
  intentional,
• 10:14
  I
• 10:14
  would
• 10:14
  really
• 10:14
  like
• 10:14
  you
• 10:15
  to
• 10:15
  intentionally
• 10:16
  share
• 10:16
  the
• 10:16
  show
• 10:16
  with
• 10:17
  somebody
• 10:17
  today.
• 10:17
  Maybe
• 10:18
  you've
• 10:18
  got
• 10:18
  a
• 10:18
  friend
• 10:18
  or
• 10:19
  maybe
• 10:19
  your
• 10:19
  neighbor
• 10:20
  or
• 10:20
  somebody
• 10:20
  else
• 10:20
  that's
• 10:21
  going
• 10:21
  through
• 10:21
  these
• 10:21
  same
• 10:22
  type
• 10:22
  of
• 10:22
  situations
• 10:23
  with
• 10:23
  this
• 10:23
  back
• 10:23
  to
• 10:24
  school
• 10:24
  stuff.
• 10:24
  You
• 10:24
  could
• 10:25
  just
• 10:25
  send
• 10:25
  them
• 10:25
  a
• 10:25
  text
• 10:25
  or
• 10:26
  send
• 10:26
  them
• 10:26
  an
• 10:26
  email.
• 10:26
  Hey,
• 10:27
  pick
• 10:27
  up
• 10:27
  the
• 10:27
  phone
• 10:27
  and
• 10:27
  say,
• 10:28
  hey,
• 10:28
  I
• 10:28
  heard
• 10:29
  your
• 10:29
  kid
• 10:29
  wants
• 10:29
  to
• 10:29
  get
• 10:29
  involved
• 10:30
  in
• 10:30
  soccer
• 10:30
  or
• 10:31
  football
• 10:31
  or
• 10:31
  whatever
• 10:32
  those
• 10:32
  wrestling,
• 10:32
  whatever
• 10:33
  those
• 10:33
  things
• 10:33
  are,
• 10:33
  and
• 10:33
  say,
• 10:34
  hey,
• 10:34
  I
• 10:34
  listened
• 10:34
  to
• 10:34
  this
• 10:34
  guy
• 10:35
  Ralph.
• 10:35
  He
• 10:35
  does
• 10:35
  a
• 10:35
  daily
• 10:36
  Christian
• 10:37
  finance
• 10:37
  show
• 10:37
  and
• 10:38
  he
• 10:38
  had
• 10:38
  some
• 10:38
  really
• 10:38
  great
• 10:38
  ideas
• 10:39
  about
• 10:39
  how
• 10:40
  to
• 10:40
  create
• 10:40
  a
• 10:40
  good
• 10:40
  atmosphere
• 10:41
  for
• 10:41
  that.
• 10:41
  You
• 10:42
  can
• 10:42
  send
• 10:42
  them
• 10:42
  to
• 10:42
  financiallyconfidentchristian.com
• 10:46
  and
• 10:46
  listen,
• 10:47
  the
• 10:47
  more
• 10:47
  we
• 10:47
  share,
• 10:48
  the
• 10:48
  better
• 10:48
  we're
• 10:49
  all
• 10:49
  going
• 10:49
  to
• 10:49
  be.
• 10:49
  Now,
• 10:49
  tomorrow
• 10:50
  we're
• 10:50
  going
• 10:50
  to
• 10:50
  be
• 10:50
  talking
• 10:50
  about
• 10:51
  teaching
• 10:51
  your
• 10:51
  kids
• 10:51
  financial
• 10:52
  literacy.
• 10:53
  Say
• 10:53
  we're
• 10:53
  talking
• 10:53
  about
• 10:54
  back
• 10:54
  to
• 10:54
  school.
• 10:55
  Well,
• 10:55
  let's
• 10:55
  talk
• 10:55
  about
• 10:56
  building
• 10:56
  some
• 10:56
  financial
• 10:57
  literacy
• 10:57
  because
• 10:58
  starting
• 10:58
  young
• 10:58
  and
• 10:59
  starting
• 10:59
  strong
• 11:00
  is
• 11:00
  going
• 11:00
  to
• 11:01
  help
• 11:01
  them
• 11:01
  get
• 11:02
  established
• 11:02
  habits
• 11:03
  for
• 11:03
  life.
• 11:03
  So
• 11:04
  I
• 11:04
  encourage
• 11:04
  you
• 11:04
  not
• 11:04
  to
• 11:05
  miss
• 11:05
  it.
• 11:05
  Now,
• 11:06
  as
• 11:06
  you
• 11:06
  go
• 11:06
  out
• 11:06
  today,
• 11:06
  let's
• 11:07
  all
• 11:07
  be
• 11:07
  financially
• 11:08
  confident
• 11:08
  Christians.
• 11:09
  You
• 11:10
  can
• 11:10
  do
• 11:10
  this.
• 11:11
  I
• 11:11
  believe
• 11:11
  in
• 11:12
  you,
• 11:12
  believe
• 11:12
  in
• 11:13
  yourself,
• 11:13
  stay
• 11:13
  financially
• 11:14
  savvy.
• 11:14
  God
• 11:15
  bless
• 11:15
  you
• 11:15
  and
• 11:16
  you
• 11:16
  have
• 11:16
  a
• 11:16
  great
• 11:16
  day
• 11:16
  today.