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Why Do Financially Irresponsible People Still Seem Successful? · Becoming Financially Confident

• 0:37
  Why
• 0:37
  does
• 0:37
  it
• 0:38
  sometimes
• 0:38
  seem
• 0:38
  like
• 0:39
  the
• 0:39
  people
• 0:39
  making
• 0:40
  the
• 0:40
  worst
• 0:40
  financial
• 0:41
  decisions
• 0:41
  are
• 0:42
  still
• 0:42
  doing
• 0:42
  better
• 0:42
  than
• 0:43
  everyone
• 0:43
  else?
• 0:44
  On
• 0:45
  today's
• 0:45
  episode,
• 0:46
  we're
• 0:46
  talking
• 0:46
  about
• 0:46
  that
• 0:47
  frustration
• 0:47
  of
• 0:47
  watching
• 0:48
  reckless
• 0:48
  people
• 0:49
  appear
• 0:50
  financially
• 0:50
  successful
• 0:52
  while
• 0:52
  hardworking,
• 0:53
  responsible
• 0:53
  people
• 0:54
  feel
• 0:54
  stretched.
• 0:55
  They
• 0:55
  feel
• 0:56
  stressed
• 0:57
  and
• 0:57
  barely
• 0:57
  staying
• 0:58
  afloat.
• 0:59
  You
• 1:00
  see
• 1:00
  people
• 1:00
  wasting
• 1:00
  money,
• 1:01
  falling
• 1:02
  for
• 1:02
  scams,
• 1:03
  making
• 1:04
  careless
• 1:04
  choices,
• 1:05
  and
• 1:06
  somehow
• 1:06
  they
• 1:06
  still
• 1:07
  seem
• 1:07
  to
• 1:07
  move
• 1:07
  forward.
• 1:08
  Meanwhile,
• 1:09
  the
• 1:09
  people
• 1:09
  trying
• 1:10
  to
• 1:10
  be
• 1:10
  wise
• 1:10
  feel
• 1:11
  tired,
• 1:12
  behind
• 1:12
  and
• 1:12
  discouraged.
• 1:14
  So
• 1:14
  what
• 1:14
  do
• 1:14
  you
• 1:15
  do
• 1:15
  when
• 1:15
  life
• 1:15
  doesn't
• 1:16
  seem
• 1:16
  financially
• 1:17
  fair?
• 1:18
  How
• 1:18
  do
• 1:18
  you
• 1:18
  keep
• 1:19
  believing
• 1:19
  wisdom
• 1:20
  matters
• 1:21
  when
• 1:21
  foolishness
• 1:22
  sometimes
• 1:22
  looks
• 1:22
  like
• 1:23
  it's
• 1:23
  winning?
• 1:24
  Let's
• 1:24
  break
• 1:25
  that
• 1:25
  down
• 1:25
  on
• 1:25
  today's
• 1:25
  show.
• 1:36
  Hey,
• 1:36
  friend.
• 1:36
  I'm
• 1:36
  Ralph
• 1:37
  Estep
• 1:37
  Jr.
• 1:38
  Welcome
• 1:38
  to
• 1:39
  Financially
• 1:39
  Confident
• 1:40
  Christian.
• 1:41
  This
• 1:41
  is
• 1:41
  the
• 1:41
  show
• 1:42
  that
• 1:42
  helps
• 1:42
  you
• 1:42
  handle
• 1:42
  money
• 1:43
  with
• 1:43
  wisdom,
• 1:44
  with
• 1:44
  peace,
• 1:45
  and
• 1:45
  with
• 1:46
  purpose.
• 1:47
  Here
• 1:47
  we're
• 1:47
  all
• 1:47
  about
• 1:48
  breaking
• 1:48
  the
• 1:48
  cycle
• 1:49
  of
• 1:49
  financial
• 1:49
  shame
• 1:50
  and
• 1:50
  replacing
• 1:51
  with
• 1:51
  clarity,
• 1:52
  with
• 1:53
  confidence
• 1:54
  and
• 1:54
  with
• 1:54
  faithful
• 1:55
  stewardship.
• 1:56
  And
• 1:56
  today,
• 1:57
  we're
• 1:57
  talking
• 1:57
  about
• 1:57
  something
• 1:58
  real,
• 1:59
  something
• 1:59
  that
• 1:59
  all
• 2:00
  of
• 2:00
  us
• 2:00
  have
• 2:00
  felt
• 2:01
  at
• 2:01
  times.
• 2:02
  Why
• 2:02
  do
• 2:03
  financially
• 2:04
  irresponsible
• 2:04
  people
• 2:05
  still
• 2:05
  seem
• 2:06
  successful
• 2:07
  sometimes?
• 2:08
  Which
• 2:09
  leads
• 2:09
  me
• 2:09
  to
• 2:09
  today's
• 2:10
  listener
• 2:10
  question.
• 2:11
  Listener
• 2:12
  wrote
• 2:12
  this,
• 2:12
  Ralph,
• 2:13
  I
• 2:13
  look
• 2:13
  around
• 2:13
  sometimes
• 2:14
  and
• 2:14
  feel
• 2:15
  confused
• 2:15
  by
• 2:15
  who
• 2:16
  seems
• 2:16
  to
• 2:16
  succeed
• 2:17
  financially.
• 2:18
  I
• 2:19
  see
• 2:19
  people
• 2:19
  making
• 2:19
  reckless
• 2:20
  decisions,
• 2:21
  falling
• 2:22
  for
• 2:22
  obvious
• 2:22
  scams,
• 2:23
  wasting
• 2:24
  huge
• 2:24
  amount
• 2:25
  of
• 2:25
  money,
• 2:26
  and
• 2:26
  part
• 2:26
  of
• 2:26
  me
• 2:27
  wonders
• 2:27
  how
• 2:27
  they're
• 2:27
  still
• 2:28
  thriving
• 2:28
  while
• 2:28
  so
• 2:29
  many
• 2:29
  responsible,
• 2:30
  hard
• 2:30
  working
• 2:31
  people
• 2:32
  are
• 2:32
  barely
• 2:32
  getting
• 2:33
  by.
• 2:35
  It
• 2:35
  messes
• 2:35
  with
• 2:35
  my
• 2:35
  sense
• 2:36
  of
• 2:36
  fairness,
• 2:37
  and
• 2:37
  it
• 2:38
  makes
• 2:38
  me
• 2:38
  question
• 2:38
  whether
• 2:39
  effort
• 2:39
  and
• 2:39
  wisdom
• 2:40
  and
• 2:40
  even
• 2:40
  intelligence
• 2:41
  really
• 2:42
  matter
• 2:42
  as
• 2:43
  much
• 2:43
  as
• 2:43
  I
• 2:43
  thought
• 2:43
  they
• 2:44
  did.
• 2:45
  I
• 2:45
  don't
• 2:45
  want
• 2:45
  to
• 2:45
  become
• 2:46
  cynical,
• 2:46
  Ralph,
• 2:47
  but
• 2:47
  it's
• 2:48
  hard
• 2:48
  not
• 2:48
  to
• 2:48
  feel
• 2:48
  discouraged
• 2:49
  when
• 2:49
  life
• 2:49
  seems
• 2:50
  so
• 2:50
  uneven.
• 2:52
  How
• 2:52
  do
• 2:52
  you
• 2:52
  stay
• 2:52
  focused
• 2:53
  on
• 2:53
  building
• 2:53
  your
• 2:53
  own
• 2:54
  future
• 2:55
  without
• 2:55
  constantly
• 2:56
  comparing
• 2:56
  yourself
• 2:57
  to
• 2:57
  people
• 2:57
  who
• 2:57
  appear
• 2:57
  careless
• 2:59
  yet
• 2:59
  somehow
• 3:00
  are
• 3:00
  successful?
• 3:02
  What
• 3:03
  a
• 3:03
  absolutely
• 3:04
  great
• 3:04
  question.
• 3:05
  And
• 3:05
  you
• 3:05
  asked
• 3:05
  a
• 3:05
  question
• 3:06
  that
• 3:06
  a
• 3:06
  lot
• 3:06
  of
• 3:06
  people
• 3:07
  are
• 3:07
  quietly
• 3:08
  thinking.
• 3:09
  I
• 3:09
  look
• 3:09
  around
• 3:10
  and
• 3:10
  I
• 3:10
  see
• 3:10
  these
• 3:10
  people
• 3:10
  and
• 3:11
  it
• 3:11
  makes
• 3:11
  me
• 3:11
  go,
• 3:11
  wait,
• 3:11
  these
• 3:12
  are
• 3:12
  people
• 3:12
  making
• 3:12
  terrible
• 3:13
  decisions,
• 3:13
  but
• 3:14
  they
• 3:14
  seem
• 3:14
  like
• 3:14
  they're
• 3:15
  getting
• 3:15
  ahead.
• 3:17
  I
• 3:17
  want
• 3:17
  to
• 3:17
  start
• 3:17
  with
• 3:18
  this.
• 3:19
  What
• 3:19
  looks
• 3:19
  successful
• 3:20
  from
• 3:20
  the
• 3:20
  outside
• 3:21
  is
• 3:22
  often
• 3:22
  incomplete,
• 3:23
  temporary,
• 3:25
  are
• 3:25
  far
• 3:25
  more
• 3:26
  fragile
• 3:26
  than
• 3:26
  you
• 3:26
  realize.
• 3:27
  That's
• 3:27
  what
• 3:27
  we
• 3:27
  got
• 3:27
  to
• 3:27
  start
• 3:28
  with.
• 3:29
  And
• 3:29
  this
• 3:30
  is
• 3:30
  one
• 3:30
  of
• 3:30
  those
• 3:30
  questions
• 3:30
  that
• 3:31
  hits
• 3:31
  deeper
• 3:31
  than
• 3:31
  money
• 3:33
  because
• 3:33
  it
• 3:33
  touches
• 3:34
  something
• 3:34
  you
• 3:34
  mentioned
• 3:34
  earlier.
• 3:35
  It
• 3:35
  touches
• 3:35
  fairness,
• 3:36
  it
• 3:36
  touches
• 3:37
  effort,
• 3:38
  it
• 3:38
  touches
• 3:38
  discouragement
• 3:40
  and
• 3:40
  comparison.
• 3:42
  Four
• 3:42
  things
• 3:43
  that
• 3:43
  we've
• 3:43
  really
• 3:43
  got
• 3:43
  to
• 3:43
  unwind
• 3:44
  today.
• 3:45
  So
• 3:45
  let's
• 3:46
  get
• 3:46
  right
• 3:46
  to
• 3:46
  it.
• 3:47
  First
• 3:47
  thing
• 3:47
  we
• 3:47
  got
• 3:47
  to
• 3:48
  do,
• 3:48
  we
• 3:48
  got
• 3:49
  to
• 3:49
  stop
• 3:49
  assuming
• 3:50
  you're
• 3:50
  seeing
• 3:50
  the
• 3:50
  full
• 3:50
  picture
• 3:52
  in
• 3:52
  life,
• 3:53
  this
• 3:53
  is
• 3:53
  a
• 3:54
  truism.
• 3:55
  We
• 3:55
  only
• 3:55
  see
• 3:56
  the
• 3:56
  highlight
• 3:56
  Reel.
• 3:57
  We
• 3:58
  only
• 3:58
  see
• 3:58
  what
• 3:59
  social
• 3:59
  media
• 4:00
  shows
• 4:00
  us
• 4:00
  or
• 4:01
  what
• 4:01
  it
• 4:01
  looks
• 4:01
  like
• 4:01
  from
• 4:02
  the
• 4:02
  outside,
• 4:03
  but
• 4:03
  we
• 4:04
  don't
• 4:04
  see
• 4:04
  the
• 4:04
  pressure
• 4:04
  behind
• 4:05
  it.
• 4:07
  Debt
• 4:07
  is
• 4:07
  often
• 4:08
  one
• 4:08
  of
• 4:08
  those
• 4:08
  things
• 4:08
  we
• 4:09
  don't
• 4:09
  see.
• 4:10
  Yeah,
• 4:10
  they
• 4:11
  might
• 4:11
  have
• 4:11
  the
• 4:11
  car,
• 4:12
  they
• 4:12
  might
• 4:12
  have
• 4:13
  the
• 4:13
  house,
• 4:13
  they
• 4:14
  may
• 4:14
  have
• 4:14
  the
• 4:14
  furniture,
• 4:15
  the
• 4:15
  jewelry,
• 4:16
  all
• 4:16
  those
• 4:16
  things.
• 4:17
  But
• 4:18
  how
• 4:18
  much
• 4:18
  debt
• 4:18
  do
• 4:18
  they
• 4:18
  have?
• 4:20
  So
• 4:20
  you
• 4:20
  don't
• 4:20
  know
• 4:20
  that
• 4:20
  from
• 4:21
  the
• 4:21
  outside.
• 4:21
  You
• 4:21
  might
• 4:21
  think,
• 4:21
  oh,
• 4:22
  they're
• 4:22
  really
• 4:22
  getting
• 4:22
  by,
• 4:22
  Ralph.
• 4:23
  Look
• 4:23
  at
• 4:23
  all
• 4:23
  the
• 4:23
  stuff
• 4:24
  they've
• 4:24
  got.
• 4:25
  But
• 4:26
  what's
• 4:26
  hiding
• 4:26
  over
• 4:26
  here
• 4:27
  is
• 4:27
  that
• 4:27
  invisible
• 4:28
  debt.
• 4:30
  Also
• 4:30
  hiding
• 4:31
  over
• 4:31
  there
• 4:31
  is
• 4:31
  stress.
• 4:33
  You
• 4:33
  have
• 4:33
  no
• 4:33
  idea
• 4:34
  the
• 4:34
  stress
• 4:34
  that
• 4:35
  they're
• 4:35
  under.
• 4:37
  We
• 4:37
  use
• 4:37
  the
• 4:37
  term
• 4:37
  here,
• 4:38
  robbing
• 4:38
  Peter
• 4:38
  to
• 4:38
  pay
• 4:39
  Paul.
• 4:40
  That
• 4:40
  could
• 4:40
  very
• 4:40
  well
• 4:41
  be
• 4:41
  going
• 4:41
  on
• 4:41
  here
• 4:41
  as
• 4:42
  well.
• 4:43
  That
• 4:43
  stress
• 4:44
  is
• 4:44
  invisible
• 4:44
  as
• 4:45
  well.
• 4:46
  How
• 4:46
  about
• 4:46
  the
• 4:46
  marital
• 4:47
  strain?
• 4:48
  I've
• 4:48
  been
• 4:49
  doing
• 4:49
  this
• 4:49
  kind
• 4:49
  of
• 4:49
  accounting
• 4:50
  and
• 4:50
  financial
• 4:50
  work
• 4:51
  for
• 4:51
  30
• 4:51
  years.
• 4:51
  I'm
• 4:52
  going
• 4:52
  to
• 4:52
  tell
• 4:52
  you
• 4:52
  right
• 4:52
  now,
• 4:53
  the
• 4:54
  marital
• 4:54
  strain
• 4:55
  financially
• 4:56
  is
• 4:57
  amazing
• 4:57
  that
• 4:58
  people
• 4:58
  are
• 4:58
  dealing
• 4:58
  with.
• 5:00
  And
• 5:00
  again,
• 5:00
  that's
• 5:01
  often
• 5:01
  invisible
• 5:01
  to
• 5:01
  us
• 5:02
  on
• 5:02
  the
• 5:02
  outside.
• 5:04
  Regrets,
• 5:04
  another
• 5:05
  thing
• 5:05
  that
• 5:05
  people
• 5:05
  don't
• 5:06
  want
• 5:06
  to
• 5:06
  talk
• 5:06
  about.
• 5:08
  Regret
• 5:09
  is
• 5:09
  often
• 5:09
  invisible
• 5:10
  as
• 5:10
  well.
• 5:13
  And
• 5:13
  those
• 5:13
  delayed
• 5:14
  consequences
• 5:14
  of
• 5:14
  being
• 5:15
  in
• 5:15
  debt,
• 5:16
  having
• 5:16
  that
• 5:16
  stress,
• 5:17
  having
• 5:18
  that
• 5:18
  marital
• 5:18
  strain,
• 5:20
  there's
• 5:20
  still
• 5:20
  consequences.
• 5:22
  And
• 5:22
  you
• 5:22
  might
• 5:23
  not
• 5:23
  see
• 5:23
  them
• 5:23
  right
• 5:23
  now,
• 5:25
  but
• 5:25
  trust
• 5:25
  me,
• 5:25
  friend,
• 5:26
  they're
• 5:26
  going
• 5:26
  to
• 5:26
  happen.
• 5:28
  Visible
• 5:29
  lifestyle
• 5:30
  and
• 5:30
  actual
• 5:30
  financial
• 5:31
  health
• 5:31
  are
• 5:31
  not
• 5:32
  the
• 5:32
  same
• 5:32
  thing.
• 5:32
  We
• 5:33
  got
• 5:33
  to
• 5:33
  start
• 5:33
  there.
• 5:33
  We
• 5:33
  got
• 5:33
  to
• 5:34
  accept
• 5:34
  that
• 5:34
  to
• 5:35
  be
• 5:35
  the
• 5:35
  case.
• 5:35
  What
• 5:36
  you're
• 5:36
  seeing
• 5:36
  on
• 5:36
  the
• 5:36
  outside
• 5:37
  and
• 5:37
  the
• 5:38
  actual
• 5:38
  financial
• 5:39
  health
• 5:39
  are
• 5:39
  not
• 5:39
  the
• 5:39
  same
• 5:40
  thing.
• 5:42
  Just
• 5:42
  because
• 5:42
  something
• 5:43
  looks
• 5:43
  successful
• 5:45
  doesn't
• 5:45
  mean
• 5:46
  it's
• 5:46
  stable.
• 5:47
  So
• 5:47
  that's
• 5:47
  the
• 5:47
  first
• 5:47
  thing
• 5:48
  I
• 5:48
  want
• 5:48
  to
• 5:48
  talk
• 5:48
  about
• 5:48
  today.
• 5:48
  So
• 5:48
  what
• 5:49
  you're
• 5:49
  seeing
• 5:50
  that
• 5:50
  looks
• 5:51
  successful
• 5:52
  might
• 5:52
  not
• 5:53
  be
• 5:53
  as
• 5:53
  successful
• 5:53
  as
• 5:54
  it
• 5:54
  might
• 5:54
  seem.
• 5:56
  But
• 5:56
  you
• 5:56
  also
• 5:56
  have
• 5:57
  to
• 5:57
  accept
• 5:57
  something
• 5:57
  here.
• 5:58
  My
• 5:58
  grandfather
• 5:58
  told
• 5:58
  me
• 5:59
  this
• 5:59
  when
• 5:59
  I
• 5:59
  was
• 5:59
  very
• 5:59
  young.
• 6:00
  He
• 6:00
  said,
• 6:00
  son,
• 6:00
  grandson,
• 6:01
  he
• 6:01
  said,
• 6:01
  you
• 6:01
  got
• 6:02
  to
• 6:02
  accept
• 6:02
  something
• 6:02
  about
• 6:02
  life.
• 6:04
  Life
• 6:04
  isn't
• 6:04
  always
• 6:05
  fair.
• 6:07
  And
• 6:07
  that's
• 6:07
  a
• 6:07
  hard
• 6:07
  thing
• 6:08
  to
• 6:08
  hear,
• 6:08
  isn't
• 6:08
  it?
• 6:09
  But
• 6:10
  it's
• 6:10
  true.
• 6:12
  You
• 6:12
  can
• 6:12
  make
• 6:13
  wise
• 6:13
  decisions
• 6:14
  and
• 6:14
  they
• 6:14
  don't
• 6:14
  always
• 6:15
  produce
• 6:15
  instant
• 6:16
  rewards.
• 6:16
  Hey,
• 6:16
  dare
• 6:17
  I
• 6:17
  preach
• 6:17
  a
• 6:17
  little
• 6:17
  bit
• 6:17
  here?
• 6:18
  Truth
• 6:19
  is,
• 6:19
  most
• 6:19
  of
• 6:19
  the
• 6:19
  decisions
• 6:20
  we
• 6:20
  make
• 6:20
  as
• 6:20
  Christians
• 6:22
  are
• 6:22
  wise,
• 6:24
  but
• 6:24
  we
• 6:24
  might
• 6:24
  see
• 6:25
  the
• 6:25
  reward
• 6:25
  right
• 6:26
  now.
• 6:27
  The
• 6:27
  other
• 6:27
  problem
• 6:28
  with
• 6:28
  that,
• 6:28
  though,
• 6:28
  on
• 6:28
  the
• 6:28
  other
• 6:29
  side
• 6:29
  of
• 6:29
  that,
• 6:29
  those
• 6:29
  foolish
• 6:30
  decisions
• 6:30
  that
• 6:31
  you
• 6:31
  talked
• 6:31
  about
• 6:31
  today,
• 6:33
  they
• 6:33
  don't
• 6:33
  always
• 6:34
  result
• 6:34
  in
• 6:34
  instant
• 6:35
  pain.
• 6:36
  You
• 6:36
  don't
• 6:36
  often
• 6:37
  instantly
• 6:37
  see
• 6:37
  this.
• 6:37
  Somebody
• 6:38
  goes
• 6:38
  to
• 6:38
  the
• 6:38
  car
• 6:39
  dealership
• 6:39
  and
• 6:39
  buys
• 6:39
  a
• 6:40
  new
• 6:40
  car
• 6:40
  that
• 6:40
  they
• 6:40
  really
• 6:40
  can't
• 6:41
  afford.
• 6:42
  Guess
• 6:42
  what?
• 6:42
  That
• 6:43
  car
• 6:43
  is
• 6:43
  still
• 6:43
  going
• 6:43
  to
• 6:43
  be
• 6:43
  sitting
• 6:44
  in
• 6:44
  their
• 6:44
  driveway.
• 6:45
  It's
• 6:46
  not
• 6:46
  instant.
• 6:47
  Sometimes
• 6:48
  there's
• 6:48
  a
• 6:48
  delay,
• 6:51
  and
• 6:51
  sometimes
• 6:51
  there's
• 6:52
  stuff
• 6:52
  that
• 6:53
  you
• 6:53
  can't
• 6:53
  even
• 6:53
  see
• 6:54
  going
• 6:54
  on
• 6:54
  behind
• 6:54
  the
• 6:55
  surface.
• 6:57
  So
• 6:57
  many
• 6:57
  people
• 6:58
  are
• 6:58
  floating
• 6:58
  on
• 6:59
  borrowed
• 6:59
  money
• 6:59
  today.
• 7:01
  They're
• 7:01
  borrowing
• 7:01
  from
• 7:01
  this,
• 7:02
  they're
• 7:02
  borrowing
• 7:02
  from
• 7:02
  that.
• 7:04
  All
• 7:04
  those
• 7:04
  things,
• 7:04
  you're
• 7:05
  not
• 7:05
  seeing
• 7:05
  that.
• 7:07
  And
• 7:07
  so
• 7:08
  many
• 7:08
  people
• 7:08
  are
• 7:09
  being
• 7:09
  carried
• 7:09
  right
• 7:09
  now
• 7:10
  by
• 7:10
  circumstances
• 7:11
  that
• 7:11
  won't
• 7:11
  last.
• 7:14
  None
• 7:14
  of
• 7:15
  that
• 7:15
  means
• 7:15
  that
• 7:15
  wisdom
• 7:15
  is
• 7:16
  pointless,
• 7:18
  but
• 7:18
  it
• 7:18
  means
• 7:18
  timing
• 7:19
  in
• 7:19
  a
• 7:19
  broken
• 7:20
  world
• 7:20
  can
• 7:20
  feel
• 7:20
  uneven.
• 7:21
  And
• 7:21
  that's
• 7:21
  what
• 7:21
  you're
• 7:22
  really
• 7:22
  feeling
• 7:22
  like,
• 7:22
  wait
• 7:22
  a
• 7:22
  minute,
• 7:22
  Ralph.
• 7:23
  I'm
• 7:23
  making
• 7:23
  all
• 7:23
  the
• 7:24
  right
• 7:24
  decisions.
• 7:24
  I'm
• 7:25
  putting
• 7:25
  away
• 7:25
  money
• 7:25
  for
• 7:26
  retirement.
• 7:26
  I'm
• 7:27
  saving.
• 7:27
  I'm
• 7:28
  not
• 7:28
  living
• 7:28
  beyond
• 7:28
  my
• 7:28
  means.
• 7:29
  But
• 7:29
  I
• 7:29
  look
• 7:29
  around
• 7:29
  and
• 7:30
  all
• 7:30
  these
• 7:30
  other
• 7:30
  people
• 7:31
  are
• 7:31
  making
• 7:31
  out
• 7:31
  like
• 7:32
  babies.
• 7:32
  Bandits.
• 7:34
  You're
• 7:34
  right.
• 7:35
  But
• 7:36
  still
• 7:36
  choose
• 7:36
  wisdom.
• 7:38
  Because
• 7:39
  delayed
• 7:39
  consequences
• 7:40
  can
• 7:40
  make
• 7:40
  foolishness
• 7:41
  look
• 7:41
  smarter
• 7:42
  than
• 7:42
  it
• 7:42
  is
• 7:42
  right
• 7:43
  now.
• 7:44
  But
• 7:44
  there
• 7:44
  will
• 7:45
  come
• 7:45
  a
• 7:45
  day.
• 7:47
  But
• 7:47
  another
• 7:47
  thing
• 7:47
  you've
• 7:48
  got
• 7:48
  to
• 7:48
  do
• 7:48
  is
• 7:48
  you've
• 7:48
  got
• 7:48
  to
• 7:48
  guard
• 7:49
  your
• 7:49
  heart
• 7:49
  from
• 7:49
  comparison
• 7:50
  fatigue.
• 7:50
  And
• 7:51
  that's
• 7:51
  really
• 7:51
  what
• 7:51
  it
• 7:51
  is.
• 7:52
  That
• 7:53
  constant
• 7:53
  state
• 7:54
  of
• 7:54
  comparison
• 7:55
  is
• 7:55
  going
• 7:55
  to
• 7:56
  wear
• 7:56
  you
• 7:56
  out.
• 7:58
  That
• 7:58
  observation
• 7:59
  turns
• 8:00
  into
• 8:00
  resentment,
• 8:01
  and
• 8:01
  that
• 8:01
  will
• 8:01
  slowly
• 8:02
  drain
• 8:02
  your
• 8:02
  peace.
• 8:04
  And
• 8:04
  if
• 8:04
  you're
• 8:04
  not
• 8:05
  careful,
• 8:05
  it
• 8:05
  makes
• 8:05
  you
• 8:06
  distracted
• 8:06
  from
• 8:06
  your
• 8:07
  own
• 8:07
  assignment.
• 8:08
  If
• 8:09
  you
• 8:09
  keep
• 8:09
  staring
• 8:10
  at
• 8:10
  someone
• 8:10
  else's
• 8:11
  path,
• 8:11
  you
• 8:12
  keep
• 8:12
  looking
• 8:12
  at
• 8:12
  their
• 8:13
  race,
• 8:13
  you're
• 8:13
  going
• 8:14
  to
• 8:14
  lose
• 8:14
  focus
• 8:14
  on
• 8:15
  your
• 8:15
  own
• 8:15
  race,
• 8:15
  on
• 8:16
  your
• 8:16
  own
• 8:16
  stewardship.
• 8:18
  You
• 8:19
  don't
• 8:19
  need
• 8:19
  to
• 8:19
  explain
• 8:20
  everyone
• 8:20
  else's
• 8:20
  story.
• 8:22
  You
• 8:22
  just
• 8:23
  need
• 8:23
  to
• 8:23
  faithfully
• 8:24
  manage
• 8:24
  your
• 8:24
  own
• 8:25
  story.
• 8:27
  Because
• 8:27
  that
• 8:27
  comparison
• 8:28
  is
• 8:28
  going
• 8:28
  to
• 8:28
  steal
• 8:29
  your
• 8:29
  peace
• 8:29
  long
• 8:29
  before
• 8:30
  it
• 8:30
  changes
• 8:30
  your
• 8:31
  circumstances.
• 8:33
  But
• 8:33
  bigger
• 8:34
  than
• 8:34
  all
• 8:34
  that,
• 8:35
  you've
• 8:35
  got
• 8:36
  to
• 8:36
  define
• 8:36
  success
• 8:36
  biblically
• 8:37
  and
• 8:38
  carefully.
• 8:41
  Think
• 8:41
  about
• 8:41
  this
• 8:41
  for
• 8:41
  a
• 8:41
  sec.
• 8:42
  If
• 8:43
  success
• 8:43
  only
• 8:44
  means
• 8:44
  outward
• 8:44
  money
• 8:45
  signals,
• 8:47
  if
• 8:47
  that's
• 8:47
  all
• 8:47
  it
• 8:47
  is.
• 8:47
  If
• 8:48
  you
• 8:48
  think
• 8:48
  success
• 8:48
  means,
• 8:49
  well,
• 8:49
  this
• 8:49
  person's
• 8:49
  got
• 8:49
  this
• 8:50
  car,
• 8:50
  this
• 8:50
  house.
• 8:51
  This
• 8:51
  is
• 8:51
  what
• 8:52
  they're
• 8:52
  doing.
• 8:52
  If
• 8:52
  you
• 8:53
  think
• 8:53
  that's
• 8:53
  biblical
• 8:54
  success,
• 8:54
  you.
• 8:55
  You
• 8:55
  are
• 8:55
  always
• 8:55
  going
• 8:56
  to
• 8:56
  be
• 8:56
  vulnerable
• 8:56
  to
• 8:57
  envy.
• 8:59
  Guess
• 8:59
  what?
• 8:59
  Somebody's
• 9:00
  always
• 9:00
  going
• 9:00
  to
• 9:00
  have
• 9:00
  more
• 9:00
  than
• 9:01
  you.
• 9:02
  Somebody's
• 9:02
  always
• 9:03
  going
• 9:03
  to
• 9:03
  have
• 9:03
  that
• 9:03
  appearance,
• 9:03
  like
• 9:04
  they're
• 9:04
  getting
• 9:04
  farther
• 9:05
  along
• 9:05
  than
• 9:05
  you
• 9:05
  are.
• 9:07
  But
• 9:07
  biblical
• 9:08
  success
• 9:08
  is
• 9:09
  bigger
• 9:09
  than
• 9:09
  appearances.
• 9:12
  Bear
• 9:13
  with
• 9:13
  me
• 9:13
  here
• 9:13
  a
• 9:13
  second.
• 9:15
  You
• 9:15
  don't
• 9:15
  know
• 9:15
  the
• 9:16
  peace
• 9:16
  that
• 9:17
  they
• 9:17
  have
• 9:17
  or
• 9:17
  they
• 9:17
  don't
• 9:18
  have.
• 9:19
  Peace
• 9:19
  matters.
• 9:21
  Integrity
• 9:21
  matters.
• 9:23
  Self
• 9:23
  control
• 9:24
  matters.
• 9:25
  Stability
• 9:26
  matters.
• 9:27
  Generosity
• 9:28
  matters.
• 9:30
  A
• 9:30
  clear
• 9:30
  conscience
• 9:31
  matters.
• 9:32
  And
• 9:33
  a
• 9:33
  calm
• 9:33
  home
• 9:33
  matters.
• 9:36
  Money
• 9:36
  alone
• 9:37
  is
• 9:37
  a
• 9:37
  weak
• 9:37
  scoreboard.
• 9:39
  Do
• 9:39
  they
• 9:40
  live
• 9:40
  in
• 9:40
  generosity?
• 9:41
  Do
• 9:41
  they
• 9:41
  live
• 9:42
  in
• 9:42
  calmness?
• 9:43
  Do
• 9:43
  they
• 9:43
  have
• 9:43
  stability
• 9:44
  in
• 9:44
  their
• 9:44
  relationships?
• 9:47
  See,
• 9:47
  those
• 9:47
  are
• 9:47
  the
• 9:47
  things
• 9:47
  we
• 9:48
  don't
• 9:48
  measure
• 9:48
  Sometimes
• 9:49
  to
• 9:49
  say,
• 9:49
  hey,
• 9:50
  I've
• 9:50
  met
• 9:50
  people
• 9:51
  that
• 9:51
  said,
• 9:52
  ralph,
• 9:52
  I
• 9:52
  can
• 9:52
  be
• 9:52
  really
• 9:53
  rich,
• 9:55
  but
• 9:55
  man,
• 9:55
  I
• 9:55
  can
• 9:56
  be
• 9:56
  unstable
• 9:56
  at
• 9:56
  the
• 9:57
  same
• 9:57
  time.
• 9:59
  So
• 10:00
  just
• 10:00
  think
• 10:00
  about
• 10:00
  that
• 10:00
  for
• 10:00
  a
• 10:01
  second.
• 10:01
  How
• 10:01
  are
• 10:01
  you
• 10:01
  really
• 10:02
  measuring
• 10:02
  it?
• 10:03
  From
• 10:04
  the
• 10:04
  outside
• 10:04
  or
• 10:05
  from
• 10:05
  the
• 10:05
  inside
• 10:05
  to
• 10:06
  things
• 10:06
  that
• 10:06
  really
• 10:06
  matter?
• 10:09
  And
• 10:09
  over
• 10:09
  and
• 10:09
  above
• 10:10
  all
• 10:10
  of
• 10:10
  those
• 10:10
  things
• 10:12
  keep
• 10:12
  building
• 10:13
  slowly.
• 10:13
  Anyway,
• 10:16
  it's
• 10:16
  all
• 10:16
  about
• 10:17
  financial
• 10:17
  maturity.
• 10:19
  Financial
• 10:20
  maturity
• 10:20
  shows
• 10:20
  up
• 10:21
  when
• 10:21
  you
• 10:21
  keep
• 10:21
  budgeting,
• 10:22
  you
• 10:23
  keep
• 10:23
  planning,
• 10:24
  you
• 10:24
  keep
• 10:24
  telling
• 10:25
  the
• 10:25
  truth
• 10:25
  about
• 10:25
  your
• 10:26
  numbers,
• 10:26
  you
• 10:26
  keep
• 10:27
  reducing
• 10:27
  your
• 10:28
  debt,
• 10:28
  you
• 10:28
  keep
• 10:28
  saving
• 10:29
  little
• 10:29
  by
• 10:29
  little,
• 10:30
  you
• 10:30
  keep
• 10:30
  making
• 10:31
  wise
• 10:31
  decisions,
• 10:32
  even
• 10:32
  when
• 10:32
  they
• 10:32
  feel
• 10:33
  unimpressive.
• 10:36
  That
• 10:36
  quiet
• 10:36
  consistency
• 10:37
  doesn't
• 10:37
  always
• 10:38
  get
• 10:38
  attention,
• 10:40
  but
• 10:40
  it
• 10:40
  sure
• 10:40
  builds
• 10:41
  strength.
• 10:42
  And
• 10:43
  that
• 10:43
  wisdom
• 10:43
  is
• 10:43
  going
• 10:43
  to
• 10:44
  compound
• 10:44
  slowly
• 10:44
  over
• 10:45
  time.
• 10:45
  And
• 10:46
  that
• 10:46
  matters.
• 10:48
  Your
• 10:48
  future
• 10:49
  is
• 10:49
  going
• 10:49
  to
• 10:49
  be
• 10:50
  shaped
• 10:50
  more
• 10:50
  by
• 10:51
  consistency
• 10:52
  than
• 10:52
  by
• 10:52
  comparison.
• 10:55
  So
• 10:56
  right
• 10:56
  now,
• 10:56
  if
• 10:56
  you're
• 10:57
  feeling
• 10:57
  discouraged
• 10:57
  by
• 10:57
  what
• 10:58
  you
• 10:58
  see
• 10:58
  around
• 10:58
  you,
• 11:00
  don't
• 11:00
  let
• 11:00
  someone
• 11:01
  else's
• 11:01
  appearance
• 11:01
  rewrite
• 11:02
  your
• 11:02
  values.
• 11:04
  This
• 11:04
  is
• 11:04
  a
• 11:05
  time
• 11:05
  to
• 11:05
  stay
• 11:05
  faithful,
• 11:06
  to
• 11:06
  stay
• 11:07
  clear,
• 11:07
  to
• 11:08
  stay
• 11:08
  steady.
• 11:10
  Friend,
• 11:10
  God
• 11:11
  isn't
• 11:11
  asking
• 11:11
  you
• 11:11
  to
• 11:12
  outperform
• 11:12
  everyone.
• 11:14
  He's
• 11:14
  calling
• 11:15
  you
• 11:15
  to
• 11:15
  be
• 11:15
  faithful
• 11:16
  with
• 11:16
  what
• 11:16
  he's
• 11:16
  entrusted
• 11:17
  to
• 11:17
  you,
• 11:17
  your
• 11:18
  race.
• 11:20
  But
• 11:20
  I
• 11:20
  want
• 11:20
  to
• 11:20
  take
• 11:20
  this
• 11:21
  a
• 11:21
  little
• 11:21
  deeper.
• 11:22
  Because
• 11:23
  what
• 11:23
  may
• 11:23
  really
• 11:23
  be
• 11:24
  discouraging
• 11:24
  you
• 11:24
  is
• 11:25
  not
• 11:25
  just
• 11:25
  what
• 11:25
  other
• 11:26
  people
• 11:26
  have.
• 11:28
  I
• 11:28
  think
• 11:28
  it's
• 11:28
  deeper
• 11:29
  than
• 11:29
  that.
• 11:30
  It's
• 11:30
  that
• 11:31
  feeling
• 11:31
  that
• 11:31
  you're
• 11:31
  doing
• 11:32
  the
• 11:32
  right
• 11:32
  thing,
• 11:33
  but
• 11:33
  you
• 11:33
  don't
• 11:33
  always
• 11:34
  seem
• 11:34
  to
• 11:34
  be
• 11:34
  rewarded
• 11:35
  for
• 11:35
  it.
• 11:36
  And
• 11:37
  if
• 11:37
  you
• 11:37
  sit
• 11:37
  in
• 11:37
  that
• 11:38
  long
• 11:38
  enough,
• 11:39
  you
• 11:40
  start
• 11:40
  questioning
• 11:40
  yourself
• 11:41
  whether
• 11:41
  wisdom
• 11:41
  even
• 11:42
  matters.
• 11:44
  But
• 11:45
  that's
• 11:45
  not
• 11:45
  truth.
• 11:47
  Being
• 11:47
  faithful
• 11:48
  isn't
• 11:48
  wasted
• 11:49
  just
• 11:49
  because
• 11:49
  someone
• 11:50
  else
• 11:50
  appears
• 11:50
  ahead
• 11:51
  for
• 11:51
  a
• 11:51
  moment.
• 11:53
  Friend,
• 11:53
  God
• 11:54
  sees
• 11:54
  what's
• 11:54
  hidden.
• 11:55
  He
• 11:56
  sees
• 11:56
  your
• 11:56
  diligence.
• 11:57
  He
• 11:57
  sees
• 11:58
  your
• 11:58
  restraint.
• 11:59
  He
• 11:59
  sees
• 11:59
  your
• 12:00
  honesty.
• 12:00
  He
• 12:01
  sees
• 12:01
  your
• 12:01
  discipline.
• 12:02
  He
• 12:02
  sees
• 12:03
  those
• 12:03
  choices.
• 12:04
  And
• 12:04
  maybe
• 12:05
  nobody
• 12:05
  else
• 12:05
  is
• 12:05
  applauding
• 12:06
  those
• 12:06
  things,
• 12:07
  but
• 12:08
  those
• 12:08
  choices
• 12:09
  still
• 12:09
  matter.
• 12:11
  So
• 12:11
  if
• 12:11
  that
• 12:11
  comparison
• 12:12
  has
• 12:12
  been
• 12:12
  wearing
• 12:13
  on
• 12:13
  your
• 12:13
  heart,
• 12:14
  make
• 12:14
  this
• 12:14
  your
• 12:14
  prayer.
• 12:15
  Just
• 12:15
  say
• 12:15
  to
• 12:15
  God,
• 12:16
  lord,
• 12:16
  help
• 12:16
  me
• 12:16
  stay
• 12:17
  grounded
• 12:17
  in
• 12:17
  wisdom
• 12:18
  instead
• 12:18
  of
• 12:18
  becoming
• 12:19
  bitter
• 12:19
  through
• 12:20
  comparison.
• 12:23
  Someone
• 12:24
  else's
• 12:24
  apparent
• 12:25
  success
• 12:26
  doesn't
• 12:26
  invalidate
• 12:27
  your
• 12:27
  faithful
• 12:28
  path.
• 12:29
  It
• 12:29
  just
• 12:29
  doesn't.
• 12:31
  So
• 12:31
  here's
• 12:31
  your
• 12:32
  win
• 12:32
  for
• 12:32
  today.
• 12:32
  I
• 12:33
  want
• 12:33
  you
• 12:33
  to
• 12:33
  identify
• 12:34
  one
• 12:34
  comparison
• 12:35
  that's
• 12:35
  been
• 12:35
  discouraging
• 12:36
  you
• 12:36
  lately.
• 12:37
  What
• 12:37
  is
• 12:38
  that
• 12:38
  one
• 12:38
  thing
• 12:38
  you
• 12:39
  keep
• 12:39
  coming
• 12:39
  back
• 12:39
  to?
• 12:40
  What
• 12:40
  is
• 12:40
  that?
• 12:40
  Discouragement.
• 12:41
  From
• 12:42
  that
• 12:42
  comparison,
• 12:42
  I
• 12:43
  want
• 12:43
  you
• 12:43
  to
• 12:43
  write
• 12:43
  it
• 12:43
  down,
• 12:44
  and
• 12:44
  then
• 12:44
  I
• 12:44
  want
• 12:44
  you
• 12:44
  to
• 12:45
  write
• 12:45
  one
• 12:45
  faithful
• 12:46
  step
• 12:46
  next
• 12:46
  to
• 12:46
  it
• 12:47
  for
• 12:47
  your
• 12:47
  finances
• 12:48
  this
• 12:48
  week,
• 12:49
  you
• 12:49
  got
• 12:49
  to
• 12:49
  focus
• 12:50
  your
• 12:50
  focus
• 12:51
  back
• 12:51
  to
• 12:52
  stewardship
• 12:53
  and
• 12:53
  not
• 12:53
  comparison.
• 12:55
  Which
• 12:55
  leads
• 12:55
  us
• 12:56
  to
• 12:56
  today's
• 12:56
  Bible
• 12:56
  verse.
• 12:57
  It
• 12:57
  comes
• 12:57
  to
• 12:57
  us
• 12:57
  from
• 12:57
  the
• 12:57
  Book
• 12:58
  of
• 12:58
  Psalms,
• 12:58
  chapter
• 12:59
  37,
• 13:00
  verse
• 13:00
  7.
• 13:01
  Be
• 13:01
  still
• 13:02
  before
• 13:02
  the
• 13:02
  Lord
• 13:03
  and
• 13:03
  wait
• 13:04
  patiently
• 13:04
  for
• 13:04
  Him.
• 13:05
  Do
• 13:06
  not
• 13:06
  fret
• 13:06
  when
• 13:06
  people
• 13:07
  succeed
• 13:07
  in
• 13:07
  their
• 13:08
  ways,
• 13:08
  when
• 13:09
  they
• 13:09
  carry
• 13:09
  out
• 13:09
  their
• 13:10
  wicked
• 13:10
  schemes.
• 13:12
  Now
• 13:12
  that
• 13:12
  got
• 13:12
  a
• 13:13
  little
• 13:13
  bit
• 13:13
  strong,
• 13:14
  but
• 13:14
  what
• 13:15
  is
• 13:15
  it
• 13:15
  telling
• 13:15
  us?
• 13:16
  Don't
• 13:17
  fret
• 13:17
  when
• 13:17
  people
• 13:17
  succeed
• 13:18
  in
• 13:18
  their
• 13:18
  ways.
• 13:20
  Comparison
• 13:21
  and
• 13:22
  frustration
• 13:22
  will
• 13:23
  slowly
• 13:23
  pull
• 13:23
  your
• 13:24
  eyes
• 13:24
  off
• 13:24
  your
• 13:24
  faithful
• 13:25
  path.
• 13:26
  And
• 13:27
  God
• 13:27
  wants
• 13:27
  you
• 13:27
  to
• 13:27
  stay
• 13:27
  on
• 13:28
  that
• 13:28
  faithful
• 13:28
  path,
• 13:29
  my
• 13:29
  friend.
• 13:30
  How
• 13:30
  about
• 13:30
  we
• 13:30
  pray
• 13:31
  together
• 13:31
  right
• 13:31
  now?
• 13:32
  Heavenly
• 13:33
  Father,
• 13:34
  I
• 13:34
  lift
• 13:34
  up
• 13:34
  the
• 13:34
  person
• 13:35
  who
• 13:35
  feels
• 13:35
  discouraged
• 13:36
  and
• 13:36
  confused
• 13:37
  right
• 13:37
  now
• 13:38
  and
• 13:38
  you
• 13:38
  see
• 13:39
  how
• 13:39
  comparison
• 13:39
  has
• 13:40
  been
• 13:40
  affecting
• 13:40
  their
• 13:40
  heart,
• 13:41
  Lord.
• 13:42
  You
• 13:42
  see
• 13:42
  the
• 13:42
  frustration
• 13:43
  they
• 13:43
  feel
• 13:43
  when
• 13:44
  life
• 13:44
  seems
• 13:44
  unfair
• 13:45
  and
• 13:45
  uneven.
• 13:47
  So
• 13:47
  Lord,
• 13:47
  protect
• 13:48
  them
• 13:48
  from
• 13:48
  bitterness.
• 13:49
  Help
• 13:49
  them
• 13:50
  to
• 13:50
  stay
• 13:50
  focused
• 13:50
  on
• 13:51
  building
• 13:51
  wisely
• 13:52
  and
• 13:52
  living
• 13:52
  faithfully
• 13:54
  and
• 13:54
  trusting
• 13:54
  that
• 13:54
  integrity
• 13:55
  still
• 13:55
  matters.
• 13:57
  Give
• 13:57
  them
• 13:58
  peace,
• 13:58
  Lord,
• 13:58
  when
• 13:58
  comparison
• 13:59
  tries
• 13:59
  to
• 13:59
  steal
• 14:00
  their
• 14:00
  joy,
• 14:01
  remind
• 14:02
  them
• 14:02
  that
• 14:02
  appearances
• 14:03
  rarely
• 14:03
  tell
• 14:03
  the
• 14:03
  full
• 14:04
  story.
• 14:05
  Strengthen
• 14:06
  them
• 14:06
  to
• 14:06
  keep
• 14:06
  moving
• 14:07
  forward
• 14:07
  with
• 14:07
  wisdom,
• 14:08
  with
• 14:08
  patience
• 14:09
  and
• 14:10
  with
• 14:10
  hope.
• 14:11
  And
• 14:12
  we
• 14:12
  ask
• 14:12
  this
• 14:12
  in
• 14:12
  Jesus
• 14:13
  name.
• 14:14
  Amen,
• 14:16
  friend.
• 14:17
  If
• 14:17
  today's
• 14:17
  episode
• 14:18
  hit
• 14:18
  home,
• 14:18
  remember
• 14:19
  this
• 14:20
  faithful
• 14:21
  progress
• 14:21
  still
• 14:22
  matters
• 14:23
  even
• 14:23
  when
• 14:24
  life
• 14:24
  feels
• 14:24
  uneven.
• 14:26
  You
• 14:26
  don't
• 14:27
  need
• 14:27
  to
• 14:27
  panic.
• 14:28
  You
• 14:28
  don't
• 14:28
  need
• 14:28
  to
• 14:28
  compare.
• 14:30
  You
• 14:30
  need
• 14:30
  to
• 14:30
  stay
• 14:30
  grounded
• 14:31
  in
• 14:31
  wisdom.
• 14:33
  And
• 14:33
  maybe
• 14:34
  you're
• 14:34
  going
• 14:34
  through
• 14:34
  something
• 14:34
  right
• 14:35
  now
• 14:35
  and
• 14:35
  you
• 14:35
  really
• 14:36
  have
• 14:36
  a
• 14:36
  question
• 14:36
  for
• 14:36
  me.
• 14:36
  I
• 14:37
  would
• 14:37
  love
• 14:37
  for
• 14:37
  you
• 14:37
  to
• 14:37
  send
• 14:38
  me
• 14:38
  that
• 14:38
  question.
• 14:38
  You
• 14:39
  can
• 14:39
  go
• 14:39
  to
• 14:39
  financiallyconfidentchristian.com/question
• 14:43
  Again.
• 14:44
  That's
• 14:44
  financially
• 14:45
  confident
• 14:45
  Christian.
• 14:48
  Thank
• 14:48
  you
• 14:49
  so
• 14:49
  much
• 14:49
  for
• 14:49
  joining
• 14:49
  me
• 14:50
  today.
• 14:50
  And
• 14:50
  until
• 14:51
  next
• 14:51
  time,
• 14:51
  handle
• 14:52
  God's
• 14:52
  resources
• 14:53
  with
• 14:53
  clarity,
• 14:54
  with
• 14:54
  confidence
• 14:55
  and
• 14:56
  with
• 14:56
  purpose.
• 14:57
  Stay
• 14:57
  financially
• 14:58
  savvy.
• 14:59
  May
• 14:59
  God
• 14:59
  bless
• 15:00
  you
• 15:00
  and
• 15:00
  you
• 15:01
  have
• 15:01
  a
• 15:01
  great
• 15:01
  day.
• 15:18
  Oh,
• 15:19
  we.