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Is My Financial Anxiety Real or Am I Just Spiraling? · Becoming Financially Confident

• 0:37
  Your
• 0:37
  numbers
• 0:38
  can
• 0:38
  be
• 0:38
  solid
• 0:39
  and
• 0:39
  your
• 0:39
  heart
• 0:39
  can
• 0:40
  still
• 0:40
  feel
• 0:40
  shaky.
• 0:41
  You
• 0:41
  can
• 0:42
  have
• 0:42
  savings,
• 0:43
  you
• 0:43
  can
• 0:43
  have
• 0:43
  income,
• 0:44
  even
• 0:44
  have
• 0:45
  a
• 0:45
  plan
• 0:46
  and
• 0:46
  still
• 0:46
  wake
• 0:47
  up
• 0:47
  at
• 0:47
  2am
• 0:47
  wondering
• 0:48
  if
• 0:48
  you
• 0:48
  just
• 0:48
  made
• 0:49
  the
• 0:49
  biggest
• 0:49
  mistake
• 0:50
  of
• 0:50
  your
• 0:50
  life.
• 0:51
  So
• 0:52
  how
• 0:52
  do
• 0:52
  you
• 0:52
  tell
• 0:52
  the
• 0:52
  difference
• 0:53
  between
• 0:53
  real
• 0:53
  financial
• 0:54
  danger
• 0:54
  and
• 0:55
  anxiety?
• 0:55
  That's
• 0:56
  spiraling.
• 0:57
  That's
• 0:57
  what
• 0:57
  we're
• 0:57
  going
• 0:57
  to
• 0:58
  sort
• 0:58
  out
• 0:58
  today.
• 1:08
  Hello
• 1:08
  and
• 1:08
  welcome
• 1:08
  to
• 1:08
  Financially
• 1:09
  Confident
• 1:09
  Christian.
• 1:10
  Today
• 1:11
  we're
• 1:11
  going
• 1:11
  to
• 1:11
  talk
• 1:11
  about
• 1:12
  financial
• 1:12
  anxiety
• 1:13
  when
• 1:13
  the
• 1:13
  numbers
• 1:14
  actually
• 1:14
  look
• 1:15
  fine.
• 1:16
  If
• 1:16
  you've
• 1:16
  ever
• 1:17
  asked
• 1:17
  yourself,
• 1:18
  did
• 1:18
  I
• 1:18
  just
• 1:18
  make
• 1:18
  a
• 1:18
  terrible
• 1:19
  mistake,
• 1:20
  this
• 1:20
  one's
• 1:20
  for
• 1:20
  you.
• 1:21
  And
• 1:21
  if
• 1:21
  you've
• 1:22
  got
• 1:22
  a
• 1:22
  question
• 1:22
  for
• 1:22
  this
• 1:23
  show,
• 1:23
  you
• 1:23
  can
• 1:24
  send
• 1:24
  me
• 1:24
  that
• 1:24
  question
• 1:25
  and
• 1:25
  I'll
• 1:25
  answer
• 1:25
  it
• 1:26
  here
• 1:26
  on
• 1:26
  the
• 1:26
  show.
• 1:26
  Just
• 1:27
  go
• 1:27
  to
• 1:27
  financiallyconfidentchristian.com/question
• 1:31
  Again,
• 1:31
  that's
• 1:32
  Financially
• 1:33
  Confident
• 1:33
  Christian.
• 1:36
  Well,
• 1:36
  let's
• 1:37
  get
• 1:37
  into
• 1:37
  today's
• 1:38
  listener
• 1:38
  question.
• 1:38
  Listener
• 1:39
  wrote
• 1:39
  this.
• 1:40
  Hi
• 1:40
  Ralph,
• 1:41
  I'm
• 1:41
  wondering
• 1:42
  if
• 1:42
  my
• 1:42
  financial
• 1:42
  anxiety
• 1:43
  is
• 1:43
  justified
• 1:45
  or
• 1:45
  if
• 1:45
  I'm
• 1:45
  just
• 1:45
  spiraling.
• 1:47
  My
• 1:47
  husband
• 1:47
  and
• 1:47
  I
• 1:48
  are
• 1:48
  in
• 1:48
  our
• 1:48
  mid-30s
• 1:49
  and
• 1:49
  we
• 1:49
  bought
• 1:50
  a
• 1:50
  house
• 1:50
  six
• 1:50
  months
• 1:51
  ago
• 1:51
  for
• 1:51
  $300,000.
• 1:53
  Our
• 1:53
  household
• 1:54
  income
• 1:54
  is
• 1:54
  around
• 1:55
  110,000
• 1:56
  a
• 1:56
  year.
• 1:57
  Now,
• 1:57
  when
• 1:57
  we
• 1:57
  bought
• 1:57
  it,
• 1:58
  we
• 1:58
  put
• 1:58
  10%
• 1:58
  down,
• 1:59
  so
• 1:59
  we
• 2:00
  owe
• 2:00
  $270,000
• 2:02
  on
• 2:02
  the
• 2:02
  mortgage.
• 2:03
  Here's
• 2:03
  the
• 2:03
  catch.
• 2:04
  My
• 2:04
  husband
• 2:05
  works
• 2:05
  for
• 2:05
  a
• 2:06
  credit
• 2:06
  union
• 2:06
  and
• 2:07
  got
• 2:07
  a
• 2:07
  special
• 2:07
  employee
• 2:08
  rate
• 2:08
  of
• 2:08
  2%,
• 2:09
  by
• 2:09
  the
• 2:10
  way.
• 2:10
  That's
• 2:10
  a
• 2:10
  great
• 2:10
  deal.
• 2:11
  If
• 2:11
  he
• 2:11
  leaves
• 2:12
  his
• 2:12
  job,
• 2:12
  the
• 2:13
  rate
• 2:13
  jumps
• 2:13
  to
• 2:13
  6.6%
• 2:15
  and
• 2:15
  our
• 2:16
  monthly
• 2:16
  payment
• 2:16
  goes
• 2:17
  from
• 2:17
  1,500
• 2:18
  to
• 2:18
  2,000.
• 2:19
  Now,
• 2:20
  he
• 2:20
  likes
• 2:20
  his
• 2:20
  job
• 2:20
  and
• 2:20
  he
• 2:21
  isn't
• 2:21
  planning
• 2:21
  to
• 2:21
  leave.
• 2:22
  And
• 2:22
  we're
• 2:23
  already
• 2:23
  paying
• 2:23
  extra
• 2:23
  towards
• 2:24
  principal
• 2:24
  each
• 2:25
  month,
• 2:25
  so
• 2:26
  we'd
• 2:26
  handle
• 2:26
  the
• 2:26
  increase
• 2:26
  if
• 2:27
  it
• 2:27
  happened.
• 2:28
  We
• 2:28
  have
• 2:28
  90,000
• 2:29
  in
• 2:29
  savings.
• 2:30
  We're
• 2:31
  saving
• 2:31
  2400amonth,
• 2:32
  and
• 2:33
  we
• 2:33
  have
• 2:33
  no
• 2:33
  other
• 2:33
  debt.
• 2:35
  The
• 2:35
  numbers
• 2:35
  look
• 2:36
  fine,
• 2:36
  but
• 2:37
  Ralph,
• 2:37
  I'm
• 2:37
  having
• 2:37
  panic
• 2:38
  attacks
• 2:38
  every
• 2:39
  week
• 2:39
  about
• 2:39
  everything
• 2:39
  that
• 2:40
  could
• 2:40
  break
• 2:40
  and
• 2:40
  go
• 2:41
  wrong
• 2:41
  with
• 2:41
  this
• 2:41
  house.
• 2:42
  I
• 2:42
  don't
• 2:43
  even
• 2:43
  know
• 2:43
  if
• 2:43
  this
• 2:43
  is
• 2:43
  real
• 2:43
  anxiety
• 2:45
  or
• 2:45
  if
• 2:45
  I
• 2:45
  made
• 2:45
  a
• 2:45
  terrible
• 2:46
  decision.
• 2:47
  Can
• 2:47
  you
• 2:48
  help
• 2:48
  me
• 2:48
  figure
• 2:48
  out
• 2:48
  which
• 2:49
  one
• 2:49
  it
• 2:49
  is?
• 2:50
  Thank
• 2:50
  you.
• 2:51
  There's
• 2:52
  a
• 2:52
  lot
• 2:52
  there.
• 2:53
  And
• 2:53
  it's
• 2:53
  interesting
• 2:53
  you
• 2:54
  mentioned
• 2:54
  credit
• 2:54
  unions
• 2:54
  because
• 2:55
  when
• 2:55
  I
• 2:55
  was
• 2:55
  a
• 2:55
  credit
• 2:56
  union
• 2:56
  executive,
• 2:57
  I
• 2:57
  had
• 2:57
  a
• 2:57
  very
• 2:57
  similar
• 2:58
  deal.
• 2:58
  Great
• 2:59
  deal.
• 3:00
  But
• 3:00
  here's
• 3:00
  the
• 3:00
  thing
• 3:00
  I
• 3:00
  want
• 3:01
  to
• 3:01
  tell
• 3:01
  you
• 3:01
  right
• 3:01
  now.
• 3:02
  Your
• 3:02
  numbers
• 3:02
  are
• 3:03
  solid,
• 3:04
  but
• 3:04
  your
• 3:04
  mind
• 3:05
  isn't.
• 3:06
  That's
• 3:07
  what
• 3:07
  you're
• 3:07
  really
• 3:07
  suffering
• 3:07
  with.
• 3:08
  You're
• 3:08
  struggling
• 3:08
  with
• 3:08
  things
• 3:09
  in
• 3:09
  your
• 3:09
  own
• 3:09
  mind.
• 3:10
  You've
• 3:11
  got
• 3:11
  to
• 3:11
  have
• 3:11
  a
• 3:11
  shift
• 3:11
  from
• 3:12
  fixing
• 3:12
  to
• 3:12
  math.
• 3:12
  Your
• 3:13
  math
• 3:13
  is
• 3:13
  fine.
• 3:14
  Trust
• 3:14
  me
• 3:14
  on
• 3:15
  this.
• 3:15
  I
• 3:15
  do
• 3:15
  this
• 3:15
  for
• 3:15
  a
• 3:16
  living,
• 3:17
  but
• 3:17
  you
• 3:17
  got
• 3:17
  to
• 3:17
  shift
• 3:18
  that
• 3:18
  to
• 3:18
  calming
• 3:18
  fear
• 3:19
  with
• 3:19
  truth
• 3:20
  and
• 3:20
  with
• 3:20
  preparation.
• 3:22
  Now,
• 3:22
  all
• 3:22
  those
• 3:22
  things
• 3:22
  say
• 3:23
  you're
• 3:23
  like,
• 3:23
  ralph,
• 3:23
  that's
• 3:23
  great,
• 3:24
  but
• 3:24
  I
• 3:24
  need
• 3:24
  some
• 3:24
  help.
• 3:25
  We're
• 3:25
  going
• 3:25
  to
• 3:25
  do
• 3:26
  it
• 3:26
  right
• 3:26
  now.
• 3:27
  You
• 3:27
  got
• 3:27
  to
• 3:27
  start
• 3:27
  by
• 3:28
  looking
• 3:28
  at
• 3:28
  the
• 3:28
  math
• 3:29
  without
• 3:29
  emotion.
• 3:30
  Imagine
• 3:31
  you
• 3:31
  have
• 3:31
  a
• 3:31
  $300,000
• 3:32
  home.
• 3:33
  You
• 3:33
  put
• 3:33
  10%
• 3:34
  down,
• 3:34
  which
• 3:35
  means
• 3:35
  you
• 3:35
  finance
• 3:35
  270.
• 3:37
  Your
• 3:37
  household
• 3:38
  income
• 3:38
  is
• 3:38
  110,000,
• 3:40
  and
• 3:40
  you're
• 3:40
  setting
• 3:41
  yourself
• 3:41
  up
• 3:41
  for
• 3:41
  success.
• 3:42
  You've
• 3:42
  got
• 3:42
  90,000
• 3:43
  in
• 3:43
  savings.
• 3:44
  You're
• 3:44
  adding
• 3:45
  to
• 3:45
  it
• 3:45
  $2,400
• 3:46
  a
• 3:46
  month.
• 3:47
  You
• 3:47
  got
• 3:47
  no
• 3:47
  other
• 3:48
  debt,
• 3:48
  and
• 3:49
  you've
• 3:49
  already
• 3:49
  done
• 3:49
  the
• 3:50
  math.
• 3:50
  If
• 3:50
  the
• 3:50
  rate
• 3:51
  goes
• 3:51
  up,
• 3:52
  your
• 3:52
  payment
• 3:52
  goes
• 3:52
  up
• 3:52
  by
• 3:53
  $500.
• 3:55
  That
• 3:55
  might
• 3:55
  not
• 3:55
  be
• 3:56
  comfortable,
• 3:57
  but
• 3:57
  it's
• 3:57
  not
• 3:57
  catastrophic.
• 3:59
  So
• 3:59
  if
• 3:59
  I
• 4:00
  looked
• 4:00
  at
• 4:00
  your
• 4:00
  stuff
• 4:00
  on
• 4:01
  paper,
• 4:01
  you
• 4:01
  are
• 4:02
  super
• 4:02
  stable.
• 4:04
  You
• 4:04
  just
• 4:04
  need
• 4:05
  truth
• 4:05
  and
• 4:05
  you
• 4:05
  need
• 4:06
  a
• 4:06
  plan.
• 4:06
  Don't
• 4:06
  shame
• 4:07
  yourself
• 4:07
  in
• 4:07
  this.
• 4:09
  Your
• 4:09
  numbers
• 4:09
  are
• 4:09
  strong.
• 4:10
  But
• 4:10
  let's
• 4:11
  get
• 4:11
  right
• 4:11
  to
• 4:11
  the
• 4:11
  fear,
• 4:12
  because
• 4:13
  I
• 4:13
  think
• 4:13
  to
• 4:13
  get
• 4:14
  past
• 4:14
  this,
• 4:14
  you
• 4:14
  got
• 4:15
  to
• 4:15
  name
• 4:15
  that
• 4:15
  fear
• 4:16
  and
• 4:16
  then
• 4:17
  check
• 4:17
  it
• 4:17
  against
• 4:17
  the
• 4:17
  real
• 4:18
  risk.
• 4:19
  I
• 4:19
  don't
• 4:20
  think
• 4:20
  this
• 4:20
  is
• 4:20
  really
• 4:20
  about
• 4:21
  the
• 4:21
  roof
• 4:21
  leaking
• 4:22
  or
• 4:22
  H
• 4:22
  vac
• 4:23
  repair.
• 4:25
  If
• 4:25
  I
• 4:25
  had
• 4:25
  to
• 4:25
  be
• 4:25
  honest
• 4:26
  with
• 4:26
  you,
• 4:26
  I
• 4:26
  think
• 4:26
  it's
• 4:26
  about
• 4:27
  responsibility
• 4:28
  and
• 4:28
  exposure.
• 4:30
  At
• 4:31
  one
• 4:31
  point,
• 4:31
  I'm
• 4:31
  assuming,
• 4:32
  like
• 4:32
  most
• 4:32
  of
• 4:32
  us,
• 4:33
  you
• 4:33
  were
• 4:33
  renting.
• 4:34
  Renting
• 4:34
  is
• 4:35
  pretty
• 4:35
  easy.
• 4:36
  The
• 4:36
  landlord
• 4:37
  has
• 4:37
  all
• 4:37
  the
• 4:37
  risk.
• 4:38
  If
• 4:38
  something
• 4:38
  breaks,
• 4:39
  you
• 4:39
  pick
• 4:39
  up
• 4:39
  the
• 4:39
  phone
• 4:40
  and
• 4:40
  say,
• 4:40
  hey,
• 4:40
  Mr.
• 4:40
  Landlord,
• 4:41
  this
• 4:41
  is
• 4:41
  broken.
• 4:42
  Now
• 4:43
  you
• 4:43
  own
• 4:43
  it.
• 4:44
  You
• 4:44
  got
• 4:45
  all
• 4:45
  the
• 4:45
  risk.
• 4:46
  That's
• 4:47
  an
• 4:47
  emotional
• 4:47
  shift
• 4:48
  that
• 4:48
  can
• 4:48
  feel
• 4:49
  huge
• 4:49
  even
• 4:49
  on
• 4:50
  healthy
• 4:50
  numbers.
• 4:50
  And
• 4:51
  listen,
• 4:51
  friend,
• 4:52
  your
• 4:52
  numbers
• 4:52
  are
• 4:53
  super
• 4:53
  healthy.
• 4:55
  But
• 4:55
  let's
• 4:56
  get
• 4:56
  into
• 4:56
  the
• 4:56
  real
• 4:56
  risk
• 4:57
  check.
• 4:58
  You
• 4:58
  mentioned
• 4:58
  you
• 4:58
  got
• 4:59
  this
• 4:59
  2%
• 4:59
  rate
• 5:00
  tied
• 5:00
  to
• 5:00
  employment,
• 5:01
  and
• 5:01
  you've
• 5:02
  already
• 5:02
  said,
• 5:02
  if
• 5:02
  my
• 5:03
  husband
• 5:03
  leaves
• 5:03
  this,
• 5:04
  the
• 5:04
  payment
• 5:04
  goes
• 5:04
  up.
• 5:05
  But
• 5:06
  then
• 5:06
  at
• 5:06
  the
• 5:06
  other
• 5:06
  time,
• 5:06
  you
• 5:07
  told
• 5:07
  me
• 5:07
  he
• 5:07
  likes
• 5:08
  his
• 5:08
  job,
• 5:08
  he's
• 5:09
  not
• 5:09
  planning
• 5:09
  to
• 5:09
  leave.
• 5:11
  I
• 5:11
  wouldn't
• 5:11
  overthink
• 5:12
  that.
• 5:13
  You've
• 5:13
  got
• 5:13
  great
• 5:14
  amount
• 5:14
  of
• 5:14
  savings.
• 5:15
  Hey,
• 5:15
  even
• 5:15
  if
• 5:15
  you
• 5:16
  had
• 5:16
  to
• 5:16
  absorb
• 5:16
  $500
• 5:17
  a
• 5:17
  month
• 5:18
  with
• 5:18
  a
• 5:18
  $90,000
• 5:19
  reserve
• 5:20
  already,
• 5:21
  that's
• 5:22
  fantastic.
• 5:23
  If
• 5:23
  the
• 5:24
  worst
• 5:24
  case
• 5:24
  happened,
• 5:25
  your
• 5:25
  husband
• 5:25
  left
• 5:26
  his
• 5:26
  job,
• 5:26
  you
• 5:26
  adjust,
• 5:27
  nothing's
• 5:28
  going
• 5:28
  to
• 5:28
  collapse.
• 5:30
  But
• 5:30
  that's
• 5:30
  not
• 5:30
  what
• 5:30
  your
• 5:30
  anxiety
• 5:31
  says.
• 5:32
  Your
• 5:32
  anxiety
• 5:33
  is
• 5:33
  saying
• 5:34
  that
• 5:34
  everything's
• 5:34
  going
• 5:35
  to
• 5:35
  fall
• 5:35
  apart.
• 5:36
  But
• 5:36
  when
• 5:36
  you
• 5:37
  put
• 5:37
  the
• 5:37
  numbers
• 5:37
  to
• 5:37
  the
• 5:38
  paper,
• 5:38
  that
• 5:38
  reality
• 5:39
  says
• 5:39
  you
• 5:40
  just
• 5:40
  pivot.
• 5:41
  But
• 5:41
  if
• 5:41
  you
• 5:42
  don't
• 5:42
  name
• 5:42
  that
• 5:42
  feeling,
• 5:43
  it
• 5:43
  will
• 5:43
  name
• 5:44
  your
• 5:44
  next
• 5:44
  decision
• 5:45
  for
• 5:45
  you.
• 5:47
  So
• 5:47
  let's
• 5:47
  talk
• 5:47
  about
• 5:47
  preparation.
• 5:49
  Because
• 5:49
  it's
• 5:50
  one
• 5:50
  thing
• 5:50
  to
• 5:50
  say,
• 5:50
  Ralph,
• 5:51
  I'm
• 5:51
  in
• 5:51
  good
• 5:51
  shape.
• 5:51
  But
• 5:51
  how
• 5:52
  do
• 5:52
  you
• 5:52
  prepare
• 5:52
  for
• 5:52
  this?
• 5:53
  I
• 5:53
  want
• 5:54
  to
• 5:54
  encourage
• 5:54
  you
• 5:54
  to
• 5:54
  prepare
• 5:55
  instead
• 5:55
  of
• 5:55
  panic.
• 5:56
  Turn
• 5:57
  that
• 5:57
  fear
• 5:57
  you
• 5:57
  have
• 5:57
  into
• 5:58
  structure.
• 5:58
  I
• 5:58
  want
• 5:59
  you
• 5:59
  to
• 5:59
  label
• 5:59
  a
• 5:59
  few
• 5:59
  things.
• 6:00
  I
• 6:00
  would
• 6:01
  consider
• 6:01
  labeling
• 6:02
  about
• 6:02
  20
• 6:02
  to
• 6:02
  30,000
• 6:03
  of
• 6:03
  that
• 6:03
  $90,000.
• 6:04
  And
• 6:05
  as
• 6:05
  your
• 6:05
  home
• 6:05
  reserve,
• 6:06
  just
• 6:07
  carve
• 6:07
  it
• 6:07
  out,
• 6:07
  put
• 6:07
  it
• 6:07
  in
• 6:07
  a
• 6:08
  separate
• 6:08
  account
• 6:08
  market.
• 6:09
  Because
• 6:09
  what
• 6:09
  that
• 6:10
  does
• 6:10
  is
• 6:10
  it
• 6:10
  gives
• 6:11
  your
• 6:11
  brain
• 6:11
  a
• 6:11
  boundary.
• 6:12
  You
• 6:12
  know,
• 6:13
  right
• 6:13
  away,
• 6:13
  I've
• 6:14
  got
• 6:14
  30
• 6:14
  grand
• 6:15
  in
• 6:15
  that
• 6:15
  home
• 6:16
  reserve.
• 6:16
  If
• 6:16
  the
• 6:17
  H
• 6:17
  Vac
• 6:17
  blows
• 6:18
  up,
• 6:18
  if
• 6:18
  the
• 6:18
  roof
• 6:19
  starts
• 6:19
  to
• 6:19
  leak,
• 6:20
  if
• 6:20
  that
• 6:20
  happens,
• 6:21
  I'm
• 6:21
  good
• 6:21
  to
• 6:21
  go.
• 6:22
  The
• 6:22
  next
• 6:22
  thing
• 6:22
  I'm
• 6:23
  going
• 6:23
  to
• 6:23
  encourage
• 6:23
  you
• 6:23
  to
• 6:23
  do
• 6:24
  is
• 6:24
  start
• 6:24
  a
• 6:25
  monthly
• 6:25
  maintenance
• 6:26
  sinking
• 6:26
  fund.
• 6:26
  You're
• 6:26
  probably
• 6:27
  Ralph,
• 6:27
  what
• 6:27
  is
• 6:27
  a
• 6:27
  maintenance
• 6:28
  sinking
• 6:28
  fund?
• 6:29
  Put
• 6:29
  $300
• 6:30
  a
• 6:31
  month
• 6:31
  away
• 6:31
  from
• 6:32
  for
• 6:32
  repairs
• 6:32
  and
• 6:32
  maintenance.
• 6:33
  If
• 6:33
  you're
• 6:34
  a
• 6:34
  homeowner,
• 6:34
  guess
• 6:34
  what's
• 6:35
  going
• 6:35
  to
• 6:35
  happen?
• 6:35
  You're
• 6:36
  going
• 6:36
  to
• 6:36
  have
• 6:36
  repairs
• 6:37
  and
• 6:37
  maintenance.
• 6:38
  So
• 6:38
  start
• 6:38
  budgeting
• 6:39
  for
• 6:39
  that.
• 6:40
  But
• 6:40
  when
• 6:40
  you
• 6:40
  prepare
• 6:41
  for
• 6:41
  that,
• 6:41
  it
• 6:42
  lowers
• 6:42
  that
• 6:42
  emotional
• 6:43
  volume.
• 6:43
  If
• 6:44
  you've
• 6:44
  got
• 6:44
  that
• 6:44
  bucket
• 6:45
  of
• 6:45
  money
• 6:45
  sitting
• 6:46
  out
• 6:46
  there
• 6:46
  that
• 6:46
  you've
• 6:46
  been
• 6:47
  putting
• 6:47
  into,
• 6:47
  and
• 6:48
  when
• 6:48
  something
• 6:48
  happens,
• 6:49
  you
• 6:49
  can
• 6:49
  just
• 6:49
  pick
• 6:49
  up
• 6:50
  the
• 6:50
  phone
• 6:50
  and
• 6:50
  say,
• 6:50
  hey,
• 6:50
  Mr.
• 6:51
  Electrician,
• 6:51
  we
• 6:52
  got
• 6:52
  to
• 6:52
  have
• 6:52
  this
• 6:52
  fixed.
• 6:53
  You
• 6:53
  already
• 6:54
  know
• 6:54
  where
• 6:54
  the
• 6:54
  money's
• 6:55
  coming
• 6:55
  from.
• 6:56
  You've
• 6:56
  got
• 6:56
  a
• 6:56
  system
• 6:57
  that's
• 6:57
  built
• 6:57
  and.
• 6:58
  And
• 6:58
  it's
• 6:58
  going
• 6:58
  to
• 6:58
  work
• 6:59
  when
• 6:59
  your
• 6:59
  willpower
• 7:00
  won't
• 7:00
  that
• 7:01
  one
• 7:01
  why
• 7:02
  step
• 7:02
  this
• 7:02
  week
• 7:03
  beats
• 7:03
  another
• 7:03
  week
• 7:04
  of
• 7:04
  avoidance
• 7:04
  and
• 7:04
  anxiety.
• 7:06
  But
• 7:06
  let's
• 7:06
  dig
• 7:07
  a
• 7:07
  little
• 7:07
  deeper
• 7:07
  into
• 7:07
  that
• 7:08
  financial
• 7:08
  anxiety.
• 7:10
  Maybe
• 7:10
  it's
• 7:10
  a
• 7:10
  little
• 7:10
  deeper
• 7:11
  than
• 7:11
  that.
• 7:13
  Those
• 7:13
  weekly
• 7:13
  panic
• 7:14
  attacks
• 7:14
  matter.
• 7:15
  They're
• 7:15
  affecting
• 7:15
  your
• 7:16
  life.
• 7:16
  They're
• 7:16
  affecting
• 7:17
  you.
• 7:17
  Like
• 7:18
  I
• 7:18
  said,
• 7:18
  you've
• 7:19
  got
• 7:19
  solid
• 7:20
  numbers.
• 7:20
  But
• 7:21
  you're
• 7:21
  still
• 7:21
  telling
• 7:21
  me
• 7:22
  you've
• 7:22
  got
• 7:22
  overwhelming
• 7:23
  fear,
• 7:24
  and
• 7:24
  that
• 7:24
  may
• 7:24
  not
• 7:25
  be
• 7:25
  about
• 7:25
  the
• 7:25
  mortgage
• 7:25
  at
• 7:26
  all.
• 7:27
  And
• 7:27
  honestly.
• 7:27
  Listen,
• 7:28
  I'm
• 7:28
  not
• 7:28
  a
• 7:28
  counselor.
• 7:29
  I'm
• 7:29
  not
• 7:29
  going
• 7:29
  to
• 7:29
  give
• 7:29
  you
• 7:30
  psychological
• 7:30
  advice,
• 7:31
  but
• 7:31
  there's
• 7:31
  no
• 7:31
  shame
• 7:32
  in
• 7:32
  talking
• 7:32
  to
• 7:32
  somebody
• 7:33
  about
• 7:33
  this.
• 7:34
  Maybe
• 7:34
  you
• 7:35
  need
• 7:35
  some
• 7:35
  time
• 7:35
  to
• 7:36
  help
• 7:36
  your
• 7:36
  nervous
• 7:36
  system
• 7:37
  catch
• 7:37
  up
• 7:38
  with
• 7:38
  the
• 7:38
  reality
• 7:38
  of
• 7:38
  what's
• 7:39
  going
• 7:39
  on.
• 7:39
  I
• 7:39
  don't
• 7:39
  know
• 7:40
  where
• 7:40
  you
• 7:40
  came
• 7:40
  from.
• 7:40
  We
• 7:41
  talked
• 7:41
  about
• 7:41
  this
• 7:41
  on
• 7:41
  yesterday's
• 7:42
  show.
• 7:42
  A
• 7:43
  lot
• 7:43
  of
• 7:43
  people
• 7:43
  bring
• 7:44
  baggage
• 7:44
  with
• 7:44
  them
• 7:45
  because
• 7:45
  of
• 7:45
  what
• 7:45
  they
• 7:45
  went
• 7:45
  through
• 7:46
  in
• 7:46
  childhood.
• 7:47
  Maybe
• 7:47
  your
• 7:47
  parents
• 7:48
  didn't
• 7:48
  make
• 7:48
  good
• 7:48
  financial
• 7:49
  decisions.
• 7:50
  Maybe.
• 7:50
  Maybe
• 7:50
  you
• 7:50
  came
• 7:50
  from
• 7:51
  a
• 7:51
  place
• 7:51
  where
• 7:51
  there
• 7:51
  was
• 7:51
  a
• 7:52
  struggle
• 7:52
  and
• 7:52
  now
• 7:53
  you're
• 7:53
  like,
• 7:53
  oh,
• 7:53
  man,
• 7:53
  we're
• 7:54
  really
• 7:54
  doing
• 7:54
  well,
• 7:54
  and
• 7:54
  I'm
• 7:54
  just
• 7:55
  afraid
• 7:55
  something's
• 7:56
  going
• 7:56
  to
• 7:56
  happen.
• 7:57
  This
• 7:57
  isn't
• 7:58
  about
• 7:58
  a
• 7:58
  bad
• 7:59
  financial
• 7:59
  decision.
• 8:00
  It's
• 8:00
  about
• 8:00
  understanding
• 8:01
  responsibility
• 8:02
  and
• 8:03
  having
• 8:03
  sound
• 8:04
  judgment.
• 8:04
  And
• 8:04
  maybe
• 8:05
  it's
• 8:05
  time
• 8:05
  to
• 8:05
  talk
• 8:05
  to
• 8:05
  somebody
• 8:06
  about
• 8:06
  that.
• 8:07
  As
• 8:07
  I
• 8:07
  said
• 8:08
  yesterday,
• 8:08
  money
• 8:09
  is
• 8:09
  emotional
• 8:10
  before
• 8:11
  it's
• 8:11
  mathematical,
• 8:12
  it
• 8:12
  just
• 8:12
  is.
• 8:14
  But
• 8:14
  let's
• 8:14
  go
• 8:14
  a
• 8:14
  little
• 8:14
  deeper
• 8:15
  now.
• 8:16
  Fear
• 8:17
  loves
• 8:17
  that
• 8:17
  what
• 8:18
  if
• 8:18
  scenario.
• 8:18
  We
• 8:19
  all
• 8:19
  play
• 8:19
  through
• 8:19
  these
• 8:19
  in
• 8:20
  our
• 8:20
  own
• 8:20
  heads,
• 8:20
  right?
• 8:21
  What
• 8:21
  if
• 8:21
  something
• 8:21
  breaks?
• 8:22
  What
• 8:23
  if
• 8:23
  my
• 8:23
  husband
• 8:23
  loses
• 8:24
  his
• 8:24
  job?
• 8:24
  What
• 8:25
  if
• 8:25
  that
• 8:25
  rate
• 8:25
  jumps?
• 8:27
  Those
• 8:27
  are
• 8:27
  real
• 8:27
  things
• 8:28
  that
• 8:28
  you
• 8:28
  should
• 8:28
  be
• 8:28
  concerned
• 8:29
  about.
• 8:30
  But
• 8:31
  trust
• 8:31
  doesn't
• 8:31
  mean
• 8:32
  pretending
• 8:32
  those
• 8:32
  risks
• 8:33
  don't
• 8:33
  exist.
• 8:34
  And
• 8:34
  as
• 8:34
  Christians,
• 8:34
  we
• 8:35
  got
• 8:35
  to
• 8:35
  have
• 8:35
  trust.
• 8:36
  We
• 8:36
  got
• 8:36
  to
• 8:36
  have
• 8:37
  trust
• 8:37
  that
• 8:37
  God's
• 8:37
  watching
• 8:38
  out
• 8:38
  for
• 8:38
  us.
• 8:39
  Trust
• 8:39
  means
• 8:40
  you
• 8:40
  prepare
• 8:40
  wisely.
• 8:41
  But
• 8:41
  then
• 8:42
  you
• 8:42
  refuse
• 8:42
  to
• 8:42
  let
• 8:42
  imaginary
• 8:43
  disasters
• 8:44
  control.
• 8:44
  Today,
• 8:46
  you've
• 8:46
  prepared
• 8:47
  well.
• 8:48
  Now
• 8:48
  the
• 8:49
  work
• 8:49
  may
• 8:49
  be
• 8:49
  learning
• 8:50
  how
• 8:50
  to
• 8:50
  rest
• 8:51
  in
• 8:51
  preparation,
• 8:52
  how
• 8:52
  to
• 8:52
  really
• 8:52
  engage
• 8:53
  in
• 8:53
  that
• 8:53
  preparation.
• 8:54
  You've
• 8:54
  always
• 8:54
  done.
• 8:55
  You
• 8:56
  didn't
• 8:56
  ruin
• 8:56
  your
• 8:56
  future
• 8:57
  by
• 8:57
  buying
• 8:57
  a
• 8:58
  house.
• 8:58
  You
• 8:59
  stepped
• 8:59
  to
• 8:59
  an
• 8:59
  adulthood
• 9:00
  with
• 9:01
  wisdom.
• 9:01
  And
• 9:01
  listen,
• 9:02
  friend,
• 9:02
  you're
• 9:02
  really
• 9:02
  in
• 9:02
  good
• 9:03
  shape.
• 9:03
  So
• 9:04
  here's
• 9:04
  your
• 9:04
  win
• 9:04
  for
• 9:04
  today.
• 9:05
  I
• 9:05
  want
• 9:05
  you
• 9:05
  to
• 9:06
  write
• 9:06
  down
• 9:06
  three
• 9:07
  objective
• 9:08
  facts
• 9:08
  about
• 9:08
  your
• 9:08
  financial
• 9:09
  stability.
• 9:10
  Keep
• 9:10
  them
• 9:10
  somewhere
• 9:11
  visible.
• 9:11
  Hey,
• 9:11
  we've
• 9:12
  got
• 9:12
  this
• 9:12
  much
• 9:12
  in
• 9:13
  savings.
• 9:13
  We're
• 9:14
  putting
• 9:14
  this
• 9:14
  much
• 9:14
  in
• 9:14
  every
• 9:15
  time.
• 9:15
  My
• 9:16
  husband's
• 9:16
  got
• 9:16
  a
• 9:16
  great
• 9:17
  job.
• 9:17
  And
• 9:18
  when
• 9:18
  you
• 9:18
  start
• 9:18
  to
• 9:18
  feel
• 9:19
  that
• 9:19
  anxiety
• 9:20
  rising,
• 9:21
  it
• 9:21
  might
• 9:21
  seem
• 9:21
  a
• 9:22
  little
• 9:22
  silly,
• 9:22
  but
• 9:22
  go
• 9:23
  read
• 9:23
  those
• 9:23
  things
• 9:23
  out
• 9:24
  loud
• 9:24
  because
• 9:25
  as
• 9:25
  you
• 9:25
  do
• 9:25
  that,
• 9:26
  you're
• 9:26
  going
• 9:26
  to
• 9:26
  train
• 9:26
  your
• 9:27
  mind
• 9:27
  with
• 9:27
  the
• 9:27
  truth
• 9:28
  of
• 9:28
  the
• 9:28
  situation.
• 9:29
  That
• 9:29
  self
• 9:29
  talk
• 9:30
  that's
• 9:30
  going
• 9:30
  off
• 9:30
  in
• 9:31
  your
• 9:31
  head.
• 9:31
  You'll
• 9:31
  have
• 9:32
  facts.
• 9:32
  You
• 9:32
  can
• 9:32
  go
• 9:32
  look
• 9:33
  at
• 9:33
  the
• 9:33
  piece
• 9:33
  of
• 9:33
  paper
• 9:33
  and
• 9:33
  say,
• 9:34
  I
• 9:34
  have
• 9:34
  this,
• 9:34
  I
• 9:34
  have
• 9:35
  this,
• 9:35
  I
• 9:35
  have
• 9:35
  this.
• 9:36
  I'm
• 9:36
  in
• 9:36
  really
• 9:36
  good
• 9:36
  shape.
• 9:37
  That's
• 9:37
  what
• 9:37
  my
• 9:38
  encouragement
• 9:38
  is
• 9:38
  for
• 9:38
  everybody
• 9:39
  today.
• 9:39
  If
• 9:39
  you're
• 9:40
  facing
• 9:40
  any
• 9:41
  kind
• 9:41
  of
• 9:41
  financial
• 9:42
  anxiety,
• 9:43
  write
• 9:43
  down
• 9:43
  the
• 9:44
  truth
• 9:44
  of
• 9:44
  the
• 9:44
  situation.
• 9:46
  Let's
• 9:46
  get
• 9:46
  right
• 9:46
  to
• 9:46
  our
• 9:46
  Bible
• 9:47
  verse
• 9:47
  today.
• 9:48
  It
• 9:48
  comes
• 9:48
  to
• 9:48
  us
• 9:48
  from
• 9:49
  2nd
• 9:49
  Timothy,
• 9:49
  chapter
• 9:50
  1,
• 9:50
  verse
• 9:51
  7.
• 9:51
  It
• 9:51
  said,
• 9:52
  For
• 9:52
  God
• 9:52
  has
• 9:53
  not
• 9:53
  given
• 9:53
  us
• 9:53
  a
• 9:53
  spirit
• 9:54
  of
• 9:54
  fear,
• 9:55
  but
• 9:55
  of
• 9:55
  power,
• 9:56
  love,
• 9:57
  and
• 9:58
  a
• 9:58
  sound
• 9:58
  mind.
• 9:59
  I
• 9:59
  love
• 10:00
  this
• 10:00
  verse,
• 10:00
  a
• 10:01
  sound
• 10:01
  mind.
• 10:02
  What
• 10:02
  is
• 10:02
  he
• 10:03
  talking
• 10:03
  about
• 10:03
  there?
• 10:04
  Looking
• 10:04
  at
• 10:04
  real
• 10:04
  numbers.
• 10:06
  Don't
• 10:06
  let
• 10:06
  those
• 10:06
  imagined
• 10:07
  disasters
• 10:08
  write
• 10:08
  the
• 10:08
  story
• 10:08
  of
• 10:08
  your
• 10:09
  life.
• 10:09
  How
• 10:10
  about
• 10:10
  we
• 10:10
  pray
• 10:10
  together
• 10:11
  right
• 10:11
  now?
• 10:12
  Heavenly
• 10:12
  Father,
• 10:13
  we
• 10:13
  are
• 10:13
  so
• 10:14
  grateful
• 10:14
  for
• 10:14
  what
• 10:14
  you've
• 10:15
  given
• 10:15
  us.
• 10:16
  And
• 10:16
  you
• 10:16
  see
• 10:16
  this
• 10:16
  listener's
• 10:17
  heart,
• 10:17
  Lord.
• 10:18
  You
• 10:18
  see
• 10:18
  the
• 10:19
  panic
• 10:19
  that
• 10:19
  rises
• 10:20
  even
• 10:20
  when
• 10:20
  the
• 10:20
  numbers
• 10:21
  say
• 10:21
  she's
• 10:21
  stable.
• 10:22
  And
• 10:22
  we
• 10:23
  just
• 10:23
  want
• 10:23
  to
• 10:23
  thank
• 10:23
  you
• 10:23
  right
• 10:24
  now
• 10:24
  for
• 10:24
  the
• 10:24
  income
• 10:24
  you've
• 10:25
  given
• 10:25
  them,
• 10:25
  Lord.
• 10:26
  We
• 10:26
  want
• 10:26
  to
• 10:26
  thank
• 10:26
  you
• 10:26
  for
• 10:27
  the
• 10:27
  savings
• 10:28
  and
• 10:28
  and
• 10:28
  the
• 10:28
  discipline
• 10:29
  they've
• 10:29
  shown
• 10:29
  in
• 10:29
  doing
• 10:30
  the
• 10:30
  right
• 10:30
  decisions,
• 10:31
  Lord.
• 10:32
  And
• 10:32
  help
• 10:32
  her
• 10:32
  to
• 10:32
  separate
• 10:33
  truth
• 10:33
  from
• 10:33
  that
• 10:34
  fear
• 10:34
  that
• 10:34
  she
• 10:34
  fearing
• 10:35
  right
• 10:35
  now.
• 10:36
  Calm
• 10:36
  her
• 10:37
  body,
• 10:37
  Lord,
• 10:37
  from
• 10:37
  that
• 10:38
  anxiety,
• 10:38
  not
• 10:38
  just
• 10:39
  her
• 10:39
  thoughts,
• 10:40
  but
• 10:40
  guard
• 10:40
  her
• 10:41
  marriage
• 10:41
  from
• 10:41
  stress
• 10:42
  and
• 10:42
  give
• 10:42
  her
• 10:42
  rest
• 10:43
  at
• 10:43
  night,
• 10:43
  Lord,
• 10:43
  knowing
• 10:44
  that
• 10:44
  she
• 10:44
  can
• 10:44
  count
• 10:45
  on
• 10:45
  you.
• 10:46
  And
• 10:46
  remind
• 10:46
  all
• 10:47
  of
• 10:47
  us
• 10:47
  that
• 10:48
  our
• 10:48
  ultimate
• 10:48
  security
• 10:49
  is
• 10:49
  not
• 10:49
  an
• 10:49
  interest
• 10:50
  rate,
• 10:50
  Lord,
• 10:51
  it's
• 10:51
  in
• 10:51
  you.
• 10:52
  And
• 10:52
  we
• 10:53
  ask
• 10:53
  this
• 10:53
  in
• 10:53
  Jesus
• 10:54
  name.
• 10:55
  Amen,
• 10:56
  friend.
• 10:57
  If
• 10:57
  today's
• 10:57
  episode
• 10:58
  helped
• 10:58
  you,
• 10:59
  I
• 10:59
  want
• 10:59
  to
• 10:59
  encourage
• 11:00
  you
• 11:00
  to
• 11:00
  share
• 11:00
  it
• 11:00
  with
• 11:00
  someone
• 11:00
  who
• 11:01
  needs
• 11:01
  it.
• 11:01
  There
• 11:01
  are
• 11:01
  so
• 11:01
  many
• 11:02
  people
• 11:02
  who
• 11:02
  are
• 11:03
  dealing
• 11:03
  with
• 11:03
  financial
• 11:04
  anxiety
• 11:04
  and
• 11:05
  they're
• 11:05
  worried
• 11:05
  about
• 11:06
  what's
• 11:06
  going
• 11:06
  to
• 11:06
  happen.
• 11:06
  If
• 11:08
  we've
• 11:09
  got
• 11:09
  a
• 11:09
  Christ
• 11:09
  that
• 11:09
  doesn't
• 11:10
  worry
• 11:10
  about
• 11:10
  the
• 11:10
  ifs,
• 11:10
  he's
• 11:11
  right
• 11:11
  there
• 11:11
  with
• 11:11
  us
• 11:11
  the
• 11:11
  whole
• 11:12
  time.
• 11:12
  So
• 11:13
  share
• 11:13
  this
• 11:13
  episode
• 11:13
  with
• 11:14
  somebody
• 11:14
  who
• 11:14
  needs
• 11:14
  to
• 11:14
  hear
• 11:15
  that.
• 11:15
  And
• 11:15
  if
• 11:15
  you've
• 11:16
  got
• 11:16
  a
• 11:16
  question
• 11:16
  for
• 11:16
  the
• 11:16
  show,
• 11:17
  I'm
• 11:17
  all
• 11:17
  about
• 11:18
  answering
• 11:18
  questions.
• 11:19
  You
• 11:19
  can
• 11:19
  go
• 11:19
  to
• 11:20
  financiallyconfidentchristian.com/question
• 11:24
  We'll
• 11:24
  put
• 11:24
  a
• 11:24
  link
• 11:24
  to
• 11:24
  that
• 11:25
  in
• 11:25
  the
• 11:25
  show
• 11:25
  notes.
• 11:25
  But
• 11:25
  again,
• 11:26
  that's
• 11:26
  financiallyconfidentchristian.com/question
• 11:30
  Send
• 11:31
  me
• 11:31
  some
• 11:31
  good
• 11:31
  questions
• 11:31
  and
• 11:32
  we'll
• 11:32
  answer
• 11:32
  them
• 11:32
  right
• 11:32
  here
• 11:33
  on
• 11:33
  the
• 11:33
  show.
• 11:34
  Because
• 11:34
  in
• 11:34
  the
• 11:34
  end,
• 11:35
  a
• 11:35
  strong
• 11:36
  financial
• 11:36
  plan
• 11:37
  and
• 11:37
  a
• 11:38
  peaceful
• 11:38
  heart
• 11:39
  are
• 11:39
  actually
• 11:40
  both
• 11:40
  possible.
• 11:41
  You
• 11:41
  can
• 11:41
  have
• 11:41
  both
• 11:41
  things.
• 11:42
  So
• 11:43
  thank
• 11:43
  you
• 11:43
  so
• 11:43
  much
• 11:43
  for
• 11:43
  joining
• 11:44
  me
• 11:44
  today.
• 11:44
  I
• 11:45
  want
• 11:45
  to
• 11:45
  encourage
• 11:45
  you
• 11:45
  to
• 11:46
  stay
• 11:46
  financially
• 11:47
  savvy.
• 11:47
  May
• 11:48
  God
• 11:48
  bless
• 11:48
  you
• 11:49
  and
• 11:49
  you
• 11:49
  have
• 11:49
  a
• 11:49
  great
• 11:50
  day
• 11:50
  today.