Latest / Becoming Financially Confident / How Can You Save for Big Goals Without Burning Out?

Transcript

How Can You Save for Big Goals Without Burning Out? · Becoming Financially Confident

• 0:37
  Big
• 0:37
  goals
• 0:38
  sound
• 0:38
  exciting
• 0:39
  until
• 0:39
  they
• 0:40
  start
• 0:40
  taking
• 0:40
  time.
• 0:41
  And
• 0:41
  you
• 0:41
  know
• 0:42
  exactly
• 0:42
  what
• 0:42
  I
• 0:42
  mean.
• 0:42
  If
• 0:42
  you're
• 0:43
  listening
• 0:43
  right
• 0:43
  now,
• 0:44
  that
• 0:44
  down
• 0:45
  payment,
• 0:45
  that
• 0:46
  reliable
• 0:46
  car,
• 0:47
  that
• 0:47
  home
• 0:47
  repair
• 0:47
  fund
• 0:48
  so
• 0:48
  you
• 0:48
  can
• 0:48
  finally
• 0:49
  fix
• 0:49
  your
• 0:49
  house,
• 0:50
  that
• 0:50
  business
• 0:51
  you've
• 0:51
  always
• 0:51
  wanted
• 0:51
  to
• 0:52
  do,
• 0:52
  or
• 0:52
  that
• 0:52
  vacation
• 0:53
  you
• 0:53
  actually
• 0:53
  enjoy
• 0:54
  without
• 0:55
  debt
• 0:55
  hanging
• 0:55
  over
• 0:56
  you.
• 0:56
  And
• 0:57
  at
• 0:57
  first
• 0:57
  you're
• 0:57
  super
• 0:58
  motivated.
• 0:58
  You're
• 0:58
  like,
• 0:58
  okay,
• 0:59
  this
• 0:59
  is
• 0:59
  it.
• 0:59
  I'm
• 0:59
  doing
• 1:00
  this.
• 1:01
  And
• 1:01
  then
• 1:01
  for
• 1:01
  so
• 1:02
  many
• 1:02
  of
• 1:02
  us,
• 1:02
  real
• 1:02
  life
• 1:03
  happens.
• 1:04
  And
• 1:04
  suddenly
• 1:05
  savings
• 1:05
  feel
• 1:06
  so
• 1:06
  kind
• 1:06
  of
• 1:06
  like
• 1:06
  a
• 1:06
  tortoise
• 1:07
  and
• 1:08
  expensive
• 1:08
  and
• 1:09
  never
• 1:09
  ending.
• 1:10
  And
• 1:10
  you
• 1:10
  start
• 1:11
  thinking
• 1:11
  to
• 1:11
  yourself,
• 1:13
  am
• 1:13
  I
• 1:13
  going
• 1:13
  to
• 1:13
  get
• 1:13
  tired
• 1:14
  before
• 1:14
  I
• 1:14
  even
• 1:14
  get
• 1:15
  there?
• 1:16
  And
• 1:16
  friend,
• 1:16
  if
• 1:17
  you've
• 1:17
  ever
• 1:17
  felt
• 1:17
  that
• 1:18
  today's
• 1:18
  show
• 1:18
  is
• 1:19
  specifically
• 1:19
  for
• 1:20
  you
• 1:20
  because
• 1:20
  you're
• 1:21
  not
• 1:21
  failing.
• 1:22
  You're
• 1:22
  just
• 1:22
  stuck
• 1:22
  in
• 1:23
  the
• 1:23
  middle.
• 1:24
  And
• 1:24
  the
• 1:24
  middle
• 1:24
  is
• 1:24
  where
• 1:25
  most
• 1:25
  people
• 1:25
  quit,
• 1:26
  but
• 1:27
  you
• 1:27
  don't
• 1:27
  have
• 1:27
  to.
• 1:28
  And
• 1:28
  I'm
• 1:28
  going
• 1:28
  to
• 1:28
  walk
• 1:28
  you
• 1:29
  through
• 1:29
  this
• 1:29
  today.
• 1:30
  So
• 1:30
  here's
• 1:30
  the
• 1:30
  question
• 1:31
  you
• 1:31
  and
• 1:31
  I
• 1:31
  are
• 1:31
  answering
• 1:32
  today.
• 1:32
  How
• 1:33
  can
• 1:33
  you
• 1:33
  save
• 1:34
  for
• 1:34
  big
• 1:34
  goals
• 1:35
  without
• 1:35
  burning
• 1:35
  out?
• 1:36
  I'm
• 1:36
  going
• 1:36
  to
• 1:37
  help
• 1:37
  you
• 1:37
  build
• 1:37
  a
• 1:37
  plan
• 1:37
  that's
• 1:38
  steady,
• 1:38
  that's
• 1:39
  realistic
• 1:40
  and
• 1:40
  gentle
• 1:40
  enough
• 1:40
  to
• 1:41
  last.
• 1:41
  Because,
• 1:41
  friend,
• 1:41
  you
• 1:42
  can
• 1:42
  reach
• 1:42
  big
• 1:42
  goals
• 1:43
  without
• 1:43
  crushing
• 1:44
  yourself
• 1:44
  to
• 1:44
  get
• 1:44
  there.
• 2:05
  Hey,
• 2:05
  friend.
• 2:06
  Ralph
• 2:06
  Estep
• 2:07
  Jr.
• 2:07
  Here.
• 2:07
  Welcome
• 2:08
  to
• 2:08
  Financially
• 2:08
  Confident
• 2:09
  Christian,
• 2:09
  where
• 2:10
  we
• 2:10
  learn
• 2:10
  how
• 2:10
  to
• 2:10
  walk
• 2:10
  through
• 2:11
  life
• 2:11
  and
• 2:11
  money
• 2:11
  with
• 2:12
  wisdom,
• 2:12
  with
• 2:13
  peace,
• 2:13
  and
• 2:14
  with
• 2:14
  a
• 2:14
  heart
• 2:14
  anchored
• 2:15
  in
• 2:15
  God's
• 2:15
  truth.
• 2:16
  My
• 2:16
  mission
• 2:16
  is
• 2:17
  simple
• 2:17
  on
• 2:17
  the
• 2:17
  show,
• 2:18
  to
• 2:18
  help
• 2:18
  you
• 2:18
  break
• 2:19
  that
• 2:19
  cycle
• 2:19
  of
• 2:19
  financial
• 2:20
  shame
• 2:20
  and
• 2:20
  build
• 2:21
  those
• 2:21
  steady
• 2:21
  habits
• 2:22
  rooted
• 2:22
  in
• 2:22
  faith
• 2:23
  and
• 2:23
  truly
• 2:24
  become
• 2:24
  a
• 2:25
  financially
• 2:25
  confident
• 2:26
  Christian.
• 2:26
  And
• 2:27
  I'm
• 2:27
  so
• 2:27
  glad
• 2:27
  you're
• 2:28
  here
• 2:28
  today
• 2:28
  because
• 2:29
  this
• 2:29
  is
• 2:29
  where
• 2:29
  a
• 2:29
  lot
• 2:29
  of
• 2:29
  people
• 2:30
  get
• 2:30
  stuck.
• 2:30
  It's
• 2:31
  not
• 2:31
  at
• 2:31
  the
• 2:31
  beginning,
• 2:32
  but
• 2:32
  it's
• 2:32
  right
• 2:33
  there
• 2:33
  in
• 2:33
  the
• 2:33
  middle.
• 2:34
  And
• 2:34
  if
• 2:34
  you're
• 2:34
  in
• 2:35
  the
• 2:35
  middle
• 2:35
  right
• 2:35
  now,
• 2:36
  I
• 2:36
  want
• 2:36
  you
• 2:36
  to
• 2:37
  hear
• 2:37
  this.
• 2:37
  You're
• 2:38
  not
• 2:38
  behind.
• 2:39
  You're
• 2:39
  not
• 2:39
  broken.
• 2:40
  You're
• 2:41
  just
• 2:41
  in
• 2:41
  the
• 2:41
  part
• 2:41
  that
• 2:42
  takes
• 2:42
  endurance.
• 2:42
  You're
• 2:43
  in
• 2:43
  the
• 2:43
  hard
• 2:43
  part.
• 2:44
  Yesterday
• 2:44
  we
• 2:45
  talked
• 2:45
  about
• 2:45
  automating
• 2:46
  your
• 2:46
  savings,
• 2:46
  and
• 2:47
  you
• 2:47
  can
• 2:47
  take
• 2:47
  that
• 2:47
  willpower
• 2:48
  out
• 2:48
  of
• 2:48
  it
• 2:48
  and
• 2:49
  let
• 2:49
  a
• 2:49
  system
• 2:49
  do
• 2:50
  the
• 2:50
  heavy
• 2:50
  lifting.
• 2:51
  Today
• 2:51
  we're
• 2:51
  talking
• 2:52
  about
• 2:52
  something
• 2:52
  different,
• 2:53
  and
• 2:54
  that's
• 2:54
  how
• 2:54
  do
• 2:54
  you
• 2:54
  stay
• 2:54
  steady
• 2:55
  when
• 2:55
  the
• 2:55
  goal
• 2:55
  is
• 2:56
  big
• 2:56
  and
• 2:56
  the
• 2:57
  timeline
• 2:57
  is
• 2:57
  long?
• 2:59
  Because
• 2:59
  big
• 2:59
  goals
• 3:00
  don't
• 3:00
  just
• 3:00
  test
• 3:00
  your
• 3:01
  budget.
• 3:01
  They
• 3:02
  test
• 3:02
  your
• 3:02
  patience.
• 3:03
  And
• 3:03
  friend,
• 3:04
  patience
• 3:04
  is
• 3:05
  hard,
• 3:05
  but
• 3:06
  you
• 3:06
  can
• 3:06
  learn
• 3:06
  it.
• 3:07
  Here's
• 3:08
  today's
• 3:08
  listener
• 3:08
  question.
• 3:09
  Ralph
• 3:10
  I
• 3:10
  have
• 3:10
  a
• 3:10
  big
• 3:10
  goal
• 3:11
  in
• 3:11
  mind,
• 3:11
  and
• 3:12
  I
• 3:12
  really
• 3:12
  want
• 3:13
  to
• 3:13
  do
• 3:13
  it.
• 3:14
  Every
• 3:14
  time
• 3:14
  I
• 3:14
  start
• 3:15
  saving,
• 3:16
  I
• 3:16
  do
• 3:16
  it
• 3:16
  great
• 3:17
  for
• 3:17
  just
• 3:17
  a
• 3:17
  little
• 3:17
  while
• 3:18
  and
• 3:19
  then
• 3:19
  I
• 3:19
  get
• 3:19
  tired
• 3:20
  or
• 3:20
  something
• 3:20
  happens
• 3:21
  Life
• 3:21
  happens,
• 3:22
  and
• 3:22
  I
• 3:22
  feel
• 3:23
  like
• 3:23
  I'm
• 3:23
  always
• 3:23
  starting
• 3:24
  over.
• 3:25
  How
• 3:25
  do
• 3:25
  I
• 3:25
  save
• 3:25
  for
• 3:26
  something
• 3:26
  big
• 3:26
  without
• 3:27
  quitting
• 3:27
  halfway?
• 3:28
  What
• 3:29
  a
• 3:29
  great
• 3:29
  question.
• 3:29
  And
• 3:30
  friend,
• 3:30
  if
• 3:31
  you've
• 3:31
  ever
• 3:31
  felt
• 3:31
  that,
• 3:31
  that's
• 3:32
  real,
• 3:32
  and
• 3:33
  if
• 3:33
  that's
• 3:33
  you
• 3:33
  right
• 3:34
  now,
• 3:34
  I'm
• 3:34
  not
• 3:34
  here
• 3:34
  to
• 3:35
  shame
• 3:35
  you.
• 3:35
  I'm
• 3:36
  here
• 3:36
  to
• 3:36
  remind
• 3:36
  you,
• 3:37
  you
• 3:37
  can
• 3:38
  do
• 3:38
  this.
• 3:38
  You
• 3:39
  just
• 3:39
  need
• 3:39
  a
• 3:39
  pace
• 3:40
  that
• 3:40
  loves
• 3:40
  you
• 3:40
  back.
• 3:41
  If
• 3:42
  you've
• 3:42
  ever
• 3:42
  felt
• 3:43
  that
• 3:43
  wave
• 3:44
  of,
• 3:44
  I
• 3:44
  can't
• 3:45
  get
• 3:45
  to
• 3:45
  this
• 3:45
  thing.
• 3:45
  I'm
• 3:46
  stuck
• 3:46
  in
• 3:46
  this
• 3:46
  middle.
• 3:46
  Ralph,
• 3:47
  you're
• 3:47
  not
• 3:48
  weak.
• 3:49
  You're
• 3:49
  just
• 3:49
  human.
• 3:50
  Because
• 3:50
  savings
• 3:51
  for
• 3:51
  big
• 3:51
  goals
• 3:52
  ask
• 3:52
  you
• 3:52
  to
• 3:52
  live
• 3:53
  with.
• 3:53
  Not
• 3:53
  yet.
• 3:53
  That's
• 3:54
  what
• 3:54
  we're
• 3:54
  really
• 3:54
  talking
• 3:54
  about
• 3:54
  here
• 3:55
  today.
• 3:55
  Not
• 3:55
  yet.
• 3:56
  Not
• 3:56
  yet
• 3:57
  in
• 3:57
  that
• 3:57
  kitchen
• 3:57
  remodel.
• 3:58
  You're
• 3:58
  tired
• 3:58
  of
• 3:59
  this
• 3:59
  kitchen.
• 3:59
  It's
• 3:59
  a
• 4:00
  disaster.
• 4:01
  Not
• 4:01
  yet
• 4:01
  in
• 4:01
  the
• 4:02
  new
• 4:02
  car.
• 4:02
  I'm
• 4:02
  tired
• 4:03
  of
• 4:03
  this
• 4:03
  used
• 4:03
  car.
• 4:04
  It's
• 4:04
  not
• 4:04
  dependable.
• 4:05
  I
• 4:05
  can't
• 4:06
  stand
• 4:06
  this
• 4:06
  thing.
• 4:07
  Not
• 4:08
  yet
• 4:08
  in
• 4:08
  that
• 4:08
  trip,
• 4:09
  and
• 4:09
  not
• 4:10
  yet
• 4:10
  in
• 4:10
  that
• 4:10
  business
• 4:10
  upgrade,
• 4:12
  and
• 4:12
  not
• 4:12
  yet
• 4:13
  for
• 4:13
  so
• 4:13
  many
• 4:13
  of
• 4:13
  us,
• 4:14
  feels
• 4:14
  discouraging
• 4:15
  when
• 4:16
  you're
• 4:16
  doing
• 4:16
  all
• 4:16
  the
• 4:16
  right
• 4:17
  things
• 4:17
  and
• 4:17
  it
• 4:17
  still
• 4:18
  feels
• 4:18
  so
• 4:18
  far
• 4:19
  away.
• 4:20
  So
• 4:20
  today,
• 4:21
  I
• 4:21
  want
• 4:21
  to
• 4:21
  help
• 4:21
  you
• 4:21
  pace
• 4:22
  yourself
• 4:22
  so
• 4:22
  you
• 4:22
  don't
• 4:23
  burn
• 4:23
  bright
• 4:23
  and
• 4:24
  then
• 4:24
  just
• 4:24
  burn
• 4:24
  out.
• 4:25
  Because,
• 4:25
  friend,
• 4:26
  you
• 4:26
  don't
• 4:26
  have
• 4:26
  to
• 4:26
  sprint
• 4:27
  to
• 4:27
  make
• 4:27
  progress.
• 4:28
  Here's
• 4:29
  the
• 4:29
  truth.
• 4:30
  Burnout
• 4:30
  usually
• 4:31
  doesn't
• 4:31
  come
• 4:31
  from
• 4:32
  a
• 4:32
  big
• 4:32
  goal.
• 4:33
  Burnout
• 4:34
  comes
• 4:34
  from
• 4:34
  trying
• 4:34
  to
• 4:34
  reach
• 4:35
  it
• 4:35
  with
• 4:35
  an
• 4:35
  all
• 4:35
  or
• 4:36
  nothing
• 4:36
  plan.
• 4:36
  How
• 4:36
  many
• 4:37
  of
• 4:37
  us
• 4:37
  have
• 4:37
  those?
• 4:38
  It's
• 4:38
  the
• 4:38
  we're
• 4:38
  going
• 4:38
  to
• 4:39
  do
• 4:39
  this
• 4:39
  perfectly
• 4:39
  mindset.
• 4:40
  It's
• 4:41
  the
• 4:41
  no
• 4:41
  fun
• 4:41
  until
• 4:42
  we're
• 4:42
  done
• 4:42
  mindset.
• 4:43
  And
• 4:44
  that
• 4:44
  if
• 4:44
  we
• 4:44
  mess
• 4:45
  up
• 4:45
  once,
• 4:45
  we
• 4:45
  failed
• 4:46
  mindset,
• 4:48
  friend.
• 4:48
  Big
• 4:48
  goals
• 4:49
  are
• 4:49
  not
• 4:49
  built
• 4:50
  by
• 4:50
  intensity.
• 4:51
  I
• 4:51
  want
• 4:52
  you
• 4:52
  to
• 4:52
  hear
• 4:52
  this
• 4:52
  and
• 4:52
  I
• 4:52
  want
• 4:53
  you
• 4:53
  to
• 4:53
  hear
• 4:53
  this
• 4:53
  loud
• 4:53
  and
• 4:53
  clear.
• 4:54
  They're
• 4:54
  built
• 4:54
  by
• 4:55
  consistency.
• 4:56
  Consistency
• 4:57
  needs
• 4:57
  a
• 4:58
  pace
• 4:58
  that
• 4:58
  you
• 4:59
  can
• 4:59
  actually
• 4:59
  live
• 4:59
  with,
• 5:00
  not
• 5:00
  a
• 5:00
  pace
• 5:01
  that
• 5:01
  punishes
• 5:01
  you,
• 5:02
  a
• 5:02
  pace
• 5:02
  that
• 5:03
  actually
• 5:03
  supports
• 5:04
  you.
• 5:04
  I'm
• 5:05
  Ralph
• 5:05
  Estep
• 5:05
  Jr.
• 5:06
  I'm
• 5:06
  an
• 5:06
  accountant,
• 5:07
  and
• 5:07
  I've
• 5:07
  seen
• 5:07
  people
• 5:08
  hit
• 5:08
  big
• 5:08
  goals
• 5:09
  from
• 5:09
  all
• 5:09
  kinds
• 5:09
  of
• 5:10
  income
• 5:10
  levels.
• 5:11
  And
• 5:11
  the
• 5:11
  difference
• 5:12
  usually
• 5:12
  isn't
• 5:13
  talent,
• 5:14
  it's
• 5:15
  pace.
• 5:16
  See,
• 5:16
  people
• 5:16
  who
• 5:17
  win
• 5:17
  long
• 5:17
  term
• 5:18
  choose
• 5:18
  a
• 5:18
  plan
• 5:19
  they
• 5:19
  can
• 5:19
  repeat
• 5:19
  without
• 5:20
  resenting
• 5:20
  it.
• 5:20
  Because
• 5:21
  that's
• 5:21
  what
• 5:21
  we're
• 5:21
  really
• 5:21
  talking
• 5:21
  about
• 5:21
  today.
• 5:22
  Are
• 5:22
  you
• 5:22
  resenting
• 5:23
  your
• 5:23
  goals?
• 5:24
  And
• 5:24
  I
• 5:24
  want
• 5:25
  that
• 5:25
  kind
• 5:25
  of
• 5:25
  plan
• 5:25
  for
• 5:26
  you,
• 5:26
  and
• 5:26
  I
• 5:26
  want
• 5:26
  you
• 5:26
  to
• 5:26
  start
• 5:27
  that
• 5:27
  today.
• 5:27
  Because
• 5:28
  I've
• 5:28
  watched
• 5:28
  this
• 5:28
  happen
• 5:29
  so
• 5:29
  many
• 5:29
  times.
• 5:30
  Someone
• 5:30
  starts
• 5:30
  saving
• 5:31
  for
• 5:31
  something
• 5:31
  big
• 5:32
  and
• 5:32
  they
• 5:32
  go
• 5:32
  hard,
• 5:33
  man,
• 5:33
  they're
• 5:33
  all
• 5:33
  in.
• 5:34
  It's
• 5:34
  kind
• 5:34
  of
• 5:34
  like
• 5:34
  the
• 5:34
  beginning
• 5:34
  of
• 5:35
  the
• 5:35
  Year,
• 5:35
  everybody
• 5:36
  jumps
• 5:36
  on
• 5:36
  the
• 5:36
  I'm
• 5:36
  going
• 5:37
  to
• 5:37
  lose
• 5:37
  weight
• 5:37
  this
• 5:37
  year.
• 5:38
  And
• 5:38
  they
• 5:38
  do
• 5:38
  it
• 5:39
  hard
• 5:39
  for
• 5:39
  the
• 5:39
  first
• 5:39
  day.
• 5:40
  And
• 5:40
  the
• 5:40
  second
• 5:40
  day,
• 5:40
  hey,
• 5:41
  we
• 5:41
  get
• 5:41
  to
• 5:41
  the
• 5:41
  fifth
• 5:41
  or
• 5:42
  sixth
• 5:42
  day,
• 5:42
  and
• 5:42
  they're
• 5:42
  like,
• 5:42
  I
• 5:42
  can't
• 5:43
  do
• 5:43
  this
• 5:43
  anymore.
• 5:44
  So
• 5:44
  maybe
• 5:45
  that's
• 5:45
  you.
• 5:45
  You
• 5:45
  decided
• 5:46
  I'm
• 5:46
  going
• 5:46
  to
• 5:46
  save,
• 5:46
  so
• 5:46
  I'm
• 5:47
  not
• 5:47
  eating
• 5:47
  out
• 5:47
  anymore.
• 5:48
  That
• 5:48
  lasts
• 5:49
  for
• 5:49
  a
• 5:49
  week
• 5:49
  or
• 5:49
  two.
• 5:49
  Or
• 5:50
  I'm
• 5:50
  not
• 5:50
  going
• 5:50
  to
• 5:50
  do
• 5:50
  any
• 5:51
  extras.
• 5:51
  There's
• 5:51
  not
• 5:51
  going
• 5:52
  to
• 5:52
  be
• 5:52
  any
• 5:52
  breathing
• 5:53
  room
• 5:53
  in
• 5:53
  my
• 5:53
  budget.
• 5:54
  And
• 5:54
  for
• 5:55
  a
• 5:55
  few
• 5:55
  weeks,
• 5:55
  that's
• 5:56
  super
• 5:56
  powerful.
• 5:57
  But
• 5:57
  then
• 5:58
  a
• 5:58
  tough
• 5:58
  week
• 5:58
  hits,
• 5:59
  that
• 5:59
  problem
• 6:00
  at
• 6:00
  home
• 6:00
  or
• 6:00
  that
• 6:00
  problem
• 6:01
  at
• 6:01
  work
• 6:01
  or
• 6:01
  that
• 6:01
  bill
• 6:02
  that
• 6:02
  surprises
• 6:03
  you.
• 6:04
  Or
• 6:04
  maybe,
• 6:04
  like
• 6:04
  so
• 6:05
  many
• 6:05
  of
• 6:05
  us,
• 6:05
  you
• 6:05
  just
• 6:05
  get
• 6:06
  tired.
• 6:07
  And
• 6:07
  that
• 6:07
  intense
• 6:08
  plan
• 6:08
  just
• 6:09
  starts
• 6:09
  to
• 6:09
  feel
• 6:09
  like
• 6:10
  punishments,
• 6:10
  like
• 6:10
  that
• 6:11
  restriction
• 6:11
  on
• 6:12
  a
• 6:12
  diet.
• 6:13
  And
• 6:13
  when
• 6:13
  savings
• 6:14
  feels
• 6:14
  like
• 6:14
  punishment,
• 6:15
  guess
• 6:15
  what?
• 6:15
  You
• 6:16
  quit.
• 6:16
  You're
• 6:16
  not
• 6:17
  going
• 6:17
  to
• 6:17
  do
• 6:17
  it.
• 6:17
  Not
• 6:18
  because
• 6:18
  you
• 6:18
  don't
• 6:18
  want
• 6:18
  the
• 6:19
  goal,
• 6:19
  but
• 6:19
  because
• 6:19
  you
• 6:20
  can't
• 6:20
  live
• 6:20
  under
• 6:20
  that
• 6:21
  pressure.
• 6:21
  That
• 6:22
  pressure
• 6:22
  is
• 6:22
  stifling.
• 6:23
  So,
• 6:24
  friend,
• 6:24
  hear
• 6:24
  me.
• 6:24
  The
• 6:25
  goal
• 6:25
  isn't
• 6:25
  to
• 6:25
  save
• 6:26
  the
• 6:26
  fastest.
• 6:26
  The
• 6:27
  goal
• 6:27
  is
• 6:27
  to
• 6:27
  save
• 6:28
  the
• 6:28
  longest.
• 6:29
  And
• 6:29
  you
• 6:30
  can
• 6:30
  do
• 6:30
  longest.
• 6:31
  You
• 6:31
  just
• 6:31
  need
• 6:31
  a
• 6:32
  plan
• 6:32
  that's
• 6:32
  kind
• 6:33
  to
• 6:33
  you.
• 6:34
  So
• 6:34
  here's
• 6:34
  the
• 6:34
  deeper
• 6:35
  question
• 6:35
  underneath
• 6:35
  today.
• 6:36
  What
• 6:36
  if
• 6:36
  the
• 6:36
  way
• 6:36
  you
• 6:37
  reach
• 6:37
  a
• 6:37
  big
• 6:37
  goal
• 6:38
  isn't
• 6:38
  pushing
• 6:38
  harder,
• 6:39
  but
• 6:39
  pacing
• 6:40
  wiser?
• 6:41
  What
• 6:41
  if
• 6:41
  you
• 6:42
  don't
• 6:42
  need
• 6:42
  more
• 6:42
  intensity?
• 6:43
  What
• 6:44
  if
• 6:44
  you
• 6:44
  need
• 6:44
  more
• 6:44
  sustainability?
• 6:46
  And
• 6:46
  it
• 6:47
  starts
• 6:47
  when
• 6:47
  you
• 6:47
  name
• 6:47
  the
• 6:48
  goal
• 6:48
  and
• 6:48
  name
• 6:48
  your
• 6:49
  why?
• 6:49
  Because
• 6:49
  this
• 6:49
  is.
• 6:49
  Before
• 6:50
  we
• 6:50
  talk
• 6:50
  numbers,
• 6:51
  let's
• 6:51
  talk
• 6:52
  meaning.
• 6:52
  What
• 6:53
  is
• 6:53
  the
• 6:53
  goal?
• 6:54
  What
• 6:54
  is
• 6:55
  the
• 6:55
  goal
• 6:55
  we're
• 6:55
  looking
• 6:55
  for?
• 6:56
  But
• 6:56
  bigger
• 6:56
  than
• 6:56
  that,
• 6:57
  why
• 6:57
  does
• 6:57
  it
• 6:57
  matter
• 6:58
  to
• 6:58
  you?
• 6:59
  Because
• 6:59
  when
• 6:59
  the
• 6:59
  goal
• 7:00
  has
• 7:00
  purpose,
• 7:01
  it
• 7:01
  has
• 7:01
  staying
• 7:02
  power.
• 7:02
  Here's
• 7:03
  what
• 7:03
  I've
• 7:03
  learned.
• 7:03
  A
• 7:04
  goal
• 7:04
  without
• 7:04
  a
• 7:04
  why
• 7:05
  turns
• 7:05
  into
• 7:05
  a
• 7:06
  chore.
• 7:06
  And
• 7:06
  nobody
• 7:07
  likes
• 7:07
  chores.
• 7:08
  When
• 7:08
  my
• 7:08
  kids
• 7:08
  were
• 7:08
  young,
• 7:09
  I
• 7:09
  said
• 7:09
  to
• 7:09
  them,
• 7:09
  hey,
• 7:09
  can
• 7:10
  you
• 7:10
  do
• 7:10
  this?
• 7:10
  And
• 7:10
  they
• 7:10
  say,
• 7:10
  dad,
• 7:11
  that
• 7:11
  sounds
• 7:11
  like
• 7:11
  chores.
• 7:12
  Nobody
• 7:13
  wants
• 7:13
  chores.
• 7:14
  But
• 7:14
  a
• 7:14
  goal
• 7:14
  with
• 7:15
  a
• 7:15
  why,
• 7:15
  that's
• 7:16
  something
• 7:16
  different.
• 7:16
  That's
• 7:17
  a
• 7:17
  mission.
• 7:18
  And,
• 7:18
  friend,
• 7:18
  your
• 7:19
  why
• 7:19
  matters
• 7:20
  in
• 7:20
  this.
• 7:21
  My
• 7:22
  tip
• 7:22
  is
• 7:22
  this.
• 7:23
  Break
• 7:23
  your
• 7:23
  goal
• 7:23
  into
• 7:24
  three
• 7:24
  milestones.
• 7:25
  One
• 7:25
  of
• 7:25
  the
• 7:26
  things
• 7:26
  that
• 7:26
  I've
• 7:26
  learned
• 7:26
  is
• 7:27
  easy
• 7:27
  to
• 7:27
  break
• 7:27
  things
• 7:28
  down,
• 7:28
  because
• 7:28
  big
• 7:28
  goals
• 7:29
  feel
• 7:29
  heavy
• 7:30
  because
• 7:30
  they're
• 7:30
  too
• 7:31
  big
• 7:31
  to
• 7:31
  hold
• 7:31
  in
• 7:32
  your
• 7:32
  mind.
• 7:32
  I
• 7:32
  remember
• 7:32
  when
• 7:32
  I
• 7:32
  was
• 7:33
  a
• 7:33
  kid,
• 7:33
  my
• 7:33
  dad
• 7:34
  took
• 7:34
  me
• 7:34
  out
• 7:34
  in
• 7:34
  the
• 7:34
  backyard
• 7:35
  one
• 7:35
  day.
• 7:35
  He
• 7:35
  wanted
• 7:35
  me
• 7:36
  to
• 7:36
  move
• 7:36
  this
• 7:36
  big
• 7:36
  pile
• 7:37
  of
• 7:37
  firewood.
• 7:37
  And
• 7:37
  this
• 7:38
  thing
• 7:38
  was
• 7:38
  massive.
• 7:38
  Now,
• 7:39
  I
• 7:39
  was
• 7:39
  a
• 7:39
  kid
• 7:39
  at
• 7:39
  the
• 7:39
  time,
• 7:40
  I
• 7:40
  saw
• 7:40
  this
• 7:40
  huge
• 7:40
  pile
• 7:41
  of
• 7:41
  firewood.
• 7:41
  He
• 7:41
  said,
• 7:41
  son,
• 7:42
  we
• 7:42
  need
• 7:42
  to
• 7:42
  do
• 7:43
  something
• 7:43
  over
• 7:43
  here.
• 7:43
  So
• 7:43
  I
• 7:43
  need
• 7:44
  you
• 7:44
  to
• 7:44
  take
• 7:44
  this
• 7:44
  pile
• 7:44
  of
• 7:45
  firewood,
• 7:45
  and
• 7:45
  I
• 7:45
  need
• 7:45
  you
• 7:46
  to
• 7:46
  move
• 7:46
  it
• 7:46
  over
• 7:46
  to
• 7:46
  this
• 7:46
  side
• 7:47
  of
• 7:47
  the
• 7:47
  yard.
• 7:47
  And
• 7:48
  I
• 7:48
  looked
• 7:48
  at
• 7:48
  this
• 7:48
  thing
• 7:48
  and
• 7:48
  I
• 7:49
  was
• 7:49
  like,
• 7:49
  this
• 7:49
  is
• 7:49
  massive.
• 7:50
  This
• 7:50
  is
• 7:50
  going
• 7:50
  to
• 7:50
  take
• 7:50
  me
• 7:51
  all
• 7:51
  day.
• 7:52
  So
• 7:52
  I
• 7:52
  thought
• 7:53
  to
• 7:53
  myself,
• 7:53
  you
• 7:53
  know
• 7:53
  what,
• 7:53
  Ralph?
• 7:54
  You
• 7:54
  just
• 7:55
  need
• 7:55
  to
• 7:55
  move
• 7:55
  a
• 7:55
  couple
• 7:55
  of
• 7:56
  sticks
• 7:56
  at
• 7:56
  a
• 7:56
  time.
• 7:57
  Just
• 7:57
  grabbed
• 7:58
  a
• 7:58
  couple
• 7:58
  of
• 7:58
  those
• 7:58
  and
• 7:59
  I
• 7:59
  walked
• 7:59
  them
• 7:59
  across.
• 8:00
  And
• 8:00
  then
• 8:00
  I
• 8:00
  went
• 8:00
  back
• 8:01
  and
• 8:01
  I
• 8:01
  grabbed
• 8:01
  a
• 8:01
  couple
• 8:02
  more
• 8:02
  and
• 8:02
  I
• 8:02
  walked
• 8:03
  those
• 8:03
  across.
• 8:04
  And
• 8:04
  before
• 8:04
  long,
• 8:05
  guess
• 8:05
  what?
• 8:06
  The
• 8:06
  whole
• 8:06
  thing
• 8:06
  was
• 8:07
  moved.
• 8:08
  So
• 8:08
  don't
• 8:09
  hold
• 8:09
  the
• 8:09
  whole
• 8:09
  thing.
• 8:10
  Break
• 8:10
  it
• 8:11
  down.
• 8:11
  Listen,
• 8:11
  if
• 8:11
  your
• 8:12
  goal
• 8:12
  is
• 8:12
  to
• 8:12
  save
• 8:12
  $3,000,
• 8:14
  set
• 8:14
  three
• 8:14
  milestones
• 8:15
  for
• 8:15
  yourself.
• 8:16
  Set
• 8:16
  a
• 8:16
  milestone
• 8:16
  for
• 8:17
  when
• 8:17
  you
• 8:17
  hit
• 8:17
  the
• 8:17
  first
• 8:17
  thousand,
• 8:18
  and
• 8:18
  then
• 8:18
  when
• 8:19
  you
• 8:19
  hit
• 8:19
  that
• 8:19
  second
• 8:19
  thousand,
• 8:20
  hey,
• 8:20
  now
• 8:20
  you've
• 8:20
  got
• 8:20
  to
• 8:20
  2,000,
• 8:21
  and
• 8:21
  then
• 8:22
  a
• 8:22
  milestone
• 8:22
  when
• 8:22
  you
• 8:23
  hit
• 8:23
  that
• 8:23
  3,000.
• 8:24
  Because
• 8:24
  you're
• 8:25
  not
• 8:25
  just
• 8:25
  chasing
• 8:26
  one
• 8:26
  giant
• 8:26
  mountain,
• 8:27
  you're
• 8:27
  climbing
• 8:27
  three
• 8:28
  smaller
• 8:28
  hills.
• 8:29
  And
• 8:29
  hills
• 8:30
  are
• 8:30
  doable,
• 8:30
  aren't
• 8:30
  they?
• 8:31
  And
• 8:31
  you,
• 8:31
  my
• 8:31
  friend,
• 8:32
  you
• 8:32
  can
• 8:32
  do
• 8:32
  doable
• 8:34
  also.
• 8:34
  You've
• 8:35
  got
• 8:35
  to
• 8:35
  make
• 8:35
  your
• 8:35
  milestones
• 8:36
  visible.
• 8:37
  If
• 8:37
  you
• 8:37
  can't
• 8:37
  see
• 8:38
  progress,
• 8:38
  your
• 8:39
  heart's
• 8:39
  going
• 8:39
  to
• 8:39
  assume
• 8:39
  you're
• 8:40
  stuck.
• 8:40
  That's
• 8:40
  what
• 8:40
  happens
• 8:41
  in
• 8:41
  the
• 8:41
  middle.
• 8:41
  So
• 8:41
  many
• 8:42
  times
• 8:42
  people
• 8:43
  feel
• 8:43
  like
• 8:43
  they
• 8:43
  can't
• 8:44
  see
• 8:44
  the
• 8:44
  progress
• 8:44
  and
• 8:45
  they
• 8:45
  feel
• 8:45
  stuck.
• 8:46
  So
• 8:46
  track
• 8:46
  it.
• 8:47
  It
• 8:47
  could
• 8:47
  be
• 8:47
  something
• 8:48
  like
• 8:48
  a
• 8:48
  simple
• 8:48
  note
• 8:48
  in
• 8:49
  your
• 8:49
  phone,
• 8:49
  a
• 8:50
  sticky
• 8:50
  note
• 8:50
  on
• 8:50
  the
• 8:50
  fridge.
• 8:51
  One
• 8:51
  of
• 8:51
  the
• 8:51
  things
• 8:51
  I
• 8:51
  love
• 8:51
  is
• 8:51
  people
• 8:52
  make
• 8:52
  these
• 8:52
  charts
• 8:52
  and
• 8:52
  they
• 8:53
  fill
• 8:53
  it
• 8:53
  in
• 8:53
  with
• 8:53
  red
• 8:53
  as
• 8:54
  they
• 8:54
  go
• 8:54
  up
• 8:54
  and
• 8:54
  you
• 8:54
  see
• 8:55
  that
• 8:55
  goal,
• 8:55
  that's
• 8:56
  a
• 8:56
  progress.
• 8:57
  Maybe
• 8:57
  you
• 8:57
  do
• 8:57
  it
• 8:57
  in
• 8:57
  a
• 8:58
  journal.
• 8:58
  That
• 8:59
  visible
• 8:59
  progress
• 9:00
  creates
• 9:00
  emotional
• 9:01
  momentum.
• 9:01
  That's
• 9:01
  what
• 9:01
  we're
• 9:02
  really
• 9:02
  talking
• 9:02
  about
• 9:02
  here
• 9:03
  is
• 9:03
  emotional
• 9:04
  momentum
• 9:05
  and
• 9:05
  big
• 9:05
  goals
• 9:06
  that
• 9:07
  take
• 9:07
  a
• 9:07
  lot
• 9:07
  of
• 9:07
  time.
• 9:08
  They
• 9:08
  need
• 9:08
  emotional
• 9:09
  momentum.
• 9:09
  They
• 9:09
  don't
• 9:10
  need
• 9:10
  hype,
• 9:10
  they
• 9:11
  don't
• 9:11
  need
• 9:11
  pressure.
• 9:11
  They
• 9:12
  just
• 9:12
  need
• 9:12
  proof
• 9:12
  that
• 9:13
  you're
• 9:13
  moving.
• 9:14
  And
• 9:14
  remember,
• 9:14
  you've
• 9:15
  got
• 9:15
  to
• 9:15
  celebrate
• 9:15
  those
• 9:16
  checkpoints
• 9:16
  without
• 9:17
  breaking
• 9:17
  your
• 9:17
  plan.
• 9:18
  That's
• 9:18
  a
• 9:18
  lot
• 9:18
  of
• 9:19
  problem,
• 9:19
  people.
• 9:19
  Let's
• 9:19
  talk
• 9:19
  about
• 9:20
  celebration
• 9:20
  here.
• 9:21
  Celebration
• 9:22
  doesn't
• 9:22
  have
• 9:22
  to
• 9:22
  mean
• 9:23
  spending
• 9:23
  everything.
• 9:23
  I
• 9:24
  worked
• 9:24
  with
• 9:24
  somebody
• 9:24
  one
• 9:24
  time,
• 9:24
  they
• 9:25
  said,
• 9:25
  man,
• 9:25
  I
• 9:25
  wanted
• 9:26
  to
• 9:26
  save
• 9:26
  money,
• 9:26
  so
• 9:27
  I
• 9:27
  celebrated
• 9:27
  by
• 9:27
  going
• 9:27
  out
• 9:28
  to
• 9:28
  dinner.
• 9:28
  What
• 9:28
  they
• 9:28
  end
• 9:29
  up
• 9:29
  doing,
• 9:29
  they
• 9:29
  blew
• 9:30
  everything
• 9:30
  they
• 9:30
  saved.
• 9:31
  But
• 9:32
  celebration
• 9:32
  means
• 9:32
  honoring
• 9:33
  the
• 9:33
  progress
• 9:34
  that
• 9:34
  you've
• 9:34
  made.
• 9:35
  Maybe
• 9:35
  for
• 9:35
  you,
• 9:35
  you
• 9:36
  make
• 9:36
  it
• 9:36
  a
• 9:36
  special
• 9:36
  coffee,
• 9:37
  maybe
• 9:37
  a
• 9:38
  special
• 9:38
  treat.
• 9:38
  Hey,
• 9:38
  maybe
• 9:39
  a
• 9:39
  date
• 9:39
  night
• 9:40
  with
• 9:40
  a
• 9:40
  set
• 9:40
  budget
• 9:41
  so
• 9:41
  you
• 9:41
  don't
• 9:41
  go
• 9:41
  and
• 9:42
  undo
• 9:42
  what
• 9:42
  you've
• 9:43
  worked
• 9:43
  so
• 9:43
  hard
• 9:43
  to
• 9:44
  do.
• 9:44
  Because
• 9:45
  if
• 9:45
  you
• 9:45
  never
• 9:45
  celebrate,
• 9:46
  the
• 9:46
  journey
• 9:47
  is
• 9:47
  going
• 9:47
  to
• 9:48
  feel
• 9:48
  endless.
• 9:49
  But
• 9:49
  when
• 9:49
  you
• 9:50
  mark
• 9:50
  the
• 9:50
  progress,
• 9:51
  your
• 9:51
  brain
• 9:51
  learns
• 9:52
  Something
• 9:52
  your
• 9:52
  brain
• 9:53
  starts
• 9:53
  to
• 9:53
  say,
• 9:53
  hey,
• 9:53
  guess
• 9:54
  what?
• 9:54
  This
• 9:54
  is
• 9:54
  working.
• 9:55
  And
• 9:56
  friend,
• 9:56
  it
• 9:56
  is
• 9:57
  working
• 9:57
  every
• 9:57
  time
• 9:58
  you
• 9:58
  show
• 9:58
  up.
• 9:59
  But
• 9:59
  you've
• 10:00
  got
• 10:00
  to
• 10:00
  choose
• 10:00
  a
• 10:00
  pace
• 10:01
  you
• 10:01
  can
• 10:01
  repeat
• 10:01
  on
• 10:02
  your
• 10:02
  most
• 10:02
  tired
• 10:02
  week.
• 10:03
  This
• 10:03
  is
• 10:03
  the
• 10:03
  biggest
• 10:04
  one
• 10:04
  today.
• 10:04
  I
• 10:05
  really
• 10:05
  believe
• 10:05
  this
• 10:05
  is
• 10:05
  the
• 10:05
  most
• 10:06
  important
• 10:06
  part.
• 10:07
  Don't
• 10:07
  set
• 10:07
  your
• 10:08
  savings
• 10:08
  amount
• 10:08
  based
• 10:09
  on
• 10:09
  your
• 10:09
  most
• 10:09
  motivated
• 10:10
  day.
• 10:10
  And
• 10:10
  that's
• 10:10
  the
• 10:10
  problem.
• 10:11
  A
• 10:11
  lot
• 10:11
  of
• 10:11
  us
• 10:11
  do
• 10:12
  that.
• 10:12
  We
• 10:12
  think,
• 10:12
  oh,
• 10:13
  this
• 10:13
  I
• 10:13
  can
• 10:13
  do
• 10:14
  this.
• 10:14
  I
• 10:14
  am
• 10:14
  super
• 10:15
  motivated
• 10:15
  today.
• 10:16
  But
• 10:16
  that's
• 10:16
  not
• 10:16
  real.
• 10:17
  That's
• 10:17
  not
• 10:17
  reality.
• 10:18
  Set
• 10:18
  it
• 10:19
  based
• 10:19
  on
• 10:19
  a
• 10:19
  realistic
• 10:20
  day,
• 10:20
  a
• 10:21
  tired
• 10:21
  day,
• 10:22
  a
• 10:22
  normal
• 10:22
  day,
• 10:23
  a
• 10:23
  stressful
• 10:24
  day,
• 10:24
  a
• 10:24
  busy
• 10:25
  day.
• 10:26
  See,
• 10:26
  because
• 10:26
  if
• 10:27
  the
• 10:27
  plan
• 10:27
  only
• 10:27
  works
• 10:28
  when
• 10:28
  life
• 10:28
  is
• 10:28
  calm,
• 10:29
  it's
• 10:29
  not
• 10:29
  going
• 10:29
  to
• 10:30
  survive
• 10:30
  your
• 10:30
  life.
• 10:30
  Because
• 10:30
  guess
• 10:31
  what,
• 10:31
  friends?
• 10:31
  Life
• 10:32
  isn't
• 10:32
  common
• 10:32
  all
• 10:32
  the
• 10:33
  time.
• 10:33
  Choose
• 10:34
  a
• 10:34
  pace
• 10:34
  that
• 10:34
  still
• 10:35
  works
• 10:35
  when
• 10:35
  things
• 10:36
  get
• 10:36
  messy.
• 10:37
  And
• 10:38
  remember,
• 10:38
  you're
• 10:38
  not
• 10:39
  planning
• 10:39
  for
• 10:39
  perfect,
• 10:40
  you're
• 10:40
  planning
• 10:41
  for
• 10:41
  real.
• 10:41
  You've
• 10:42
  got
• 10:42
  to
• 10:42
  build
• 10:42
  that
• 10:42
  life
• 10:43
  happens
• 10:43
  flexibility
• 10:44
  into
• 10:44
  your
• 10:44
  plan.
• 10:45
  The
• 10:45
  truth
• 10:46
  is,
• 10:46
  some
• 10:46
  months
• 10:47
  you'll
• 10:47
  save
• 10:47
  more.
• 10:48
  Some
• 10:48
  months
• 10:48
  you're
• 10:49
  going
• 10:49
  to
• 10:49
  save
• 10:49
  less.
• 10:49
  That's
• 10:50
  not
• 10:50
  a
• 10:50
  failure,
• 10:50
  that's
• 10:51
  just
• 10:51
  life.
• 10:52
  If
• 10:52
  you've
• 10:52
  got
• 10:52
  a
• 10:53
  plan
• 10:53
  with
• 10:53
  zero
• 10:53
  flexibility,
• 10:54
  you're
• 10:54
  going
• 10:55
  to
• 10:55
  make
• 10:55
  yourself
• 10:55
  feel
• 10:56
  guilty
• 10:56
  all
• 10:56
  the
• 10:56
  time.
• 10:57
  And
• 10:57
  guilty
• 10:58
  is
• 10:58
  your
• 10:58
  excuse
• 10:59
  for
• 10:59
  quitting.
• 11:00
  So
• 11:01
  decide
• 11:01
  ahead
• 11:01
  of
• 11:01
  time.
• 11:02
  If
• 11:02
  I've
• 11:02
  had
• 11:02
  a
• 11:02
  hard
• 11:03
  month,
• 11:03
  we
• 11:03
  don't
• 11:04
  stop.
• 11:04
  We
• 11:04
  adjust.
• 11:05
  We
• 11:05
  start
• 11:05
  again
• 11:05
  tomorrow.
• 11:06
  And
• 11:07
  friend,
• 11:07
  listen
• 11:07
  to
• 11:07
  me.
• 11:08
  Adjusting
• 11:08
  is
• 11:09
  not
• 11:09
  quitting.
• 11:09
  Adjusting
• 11:10
  is
• 11:11
  using
• 11:11
  wisdom.
• 11:12
  See,
• 11:13
  what
• 11:13
  I've
• 11:13
  learned
• 11:13
  is
• 11:13
  slow
• 11:14
  and
• 11:14
  steady
• 11:14
  beats.
• 11:15
  All
• 11:15
  or
• 11:15
  nothing,
• 11:16
  friend.
• 11:16
  All
• 11:16
  or
• 11:17
  nothing
• 11:17
  sounds
• 11:18
  spiritual.
• 11:19
  It
• 11:19
  sounds
• 11:19
  like
• 11:19
  the
• 11:20
  right
• 11:20
  thing
• 11:20
  to
• 11:20
  do.
• 11:20
  This.
• 11:21
  I'm
• 11:21
  going
• 11:21
  all
• 11:21
  in,
• 11:22
  Ralph.
• 11:23
  All
• 11:23
  it
• 11:23
  does
• 11:24
  is
• 11:24
  produces
• 11:24
  shame.
• 11:25
  Because
• 11:26
  if
• 11:26
  you're
• 11:26
  all
• 11:26
  in
• 11:26
  and
• 11:27
  you
• 11:27
  slip
• 11:27
  just
• 11:27
  one
• 11:28
  time,
• 11:29
  you
• 11:29
  feel
• 11:29
  like
• 11:29
  you've
• 11:29
  ruined
• 11:30
  everything.
• 11:31
  But
• 11:31
  that
• 11:31
  slow
• 11:32
  and
• 11:32
  steady
• 11:32
  says,
• 11:33
  you
• 11:33
  know
• 11:33
  what
• 11:33
  I'm
• 11:34
  learning
• 11:34
  this.
• 11:35
  I'm
• 11:35
  growing.
• 11:35
  Yes,
• 11:36
  I'm
• 11:36
  making
• 11:36
  mistakes.
• 11:37
  I'm
• 11:37
  stubbing
• 11:38
  my
• 11:38
  toe,
• 11:38
  I'm
• 11:39
  falling
• 11:39
  flat
• 11:39
  on
• 11:39
  my
• 11:39
  face.
• 11:40
  But
• 11:40
  guess
• 11:40
  what?
• 11:40
  I'm
• 11:41
  getting
• 11:41
  back
• 11:41
  up
• 11:41
  and
• 11:42
  I'm
• 11:42
  not
• 11:42
  quitting
• 11:43
  today.
• 11:43
  A
• 11:44
  little
• 11:44
  saved
• 11:44
  consistently
• 11:45
  will
• 11:45
  beat
• 11:45
  a
• 11:46
  lot
• 11:46
  saved
• 11:46
  occasionally,
• 11:47
  every
• 11:47
  single
• 11:47
  time.
• 11:48
  And
• 11:48
  yes,
• 11:49
  you
• 11:49
  can
• 11:49
  be
• 11:50
  consistent.
• 11:51
  Not
• 11:51
  perfect,
• 11:51
  but
• 11:52
  consistent.
• 11:52
  Which
• 11:53
  leads
• 11:53
  us
• 11:53
  to
• 11:53
  today's
• 11:54
  Bible
• 11:54
  verse
• 11:54
  comes
• 11:55
  to
• 11:55
  us
• 11:55
  from
• 11:55
  Galatians,
• 11:56
  chapter
• 11:56
  6,
• 11:57
  verse
• 11:57
  9.
• 11:57
  It
• 11:58
  says,
• 11:58
  Let
• 11:58
  us
• 11:58
  not
• 11:58
  become
• 11:59
  weary
• 11:59
  in
• 11:59
  doing
• 12:00
  good
• 12:00
  at
• 12:00
  the
• 12:01
  proper
• 12:01
  time.
• 12:02
  We
• 12:02
  will
• 12:02
  reap
• 12:03
  a
• 12:03
  harvest
• 12:03
  if
• 12:03
  we
• 12:04
  do
• 12:04
  not
• 12:05
  give
• 12:05
  up.
• 12:07
  And
• 12:07
  friend,
• 12:07
  that
• 12:07
  verse
• 12:08
  isn't
• 12:08
  just
• 12:08
  about
• 12:08
  money,
• 12:09
  but
• 12:10
  it
• 12:10
  absolutely
• 12:10
  applies
• 12:11
  to
• 12:11
  it
• 12:11
  today.
• 12:12
  Because
• 12:12
  savings
• 12:13
  is
• 12:13
  a
• 12:13
  form
• 12:13
  of
• 12:13
  doing
• 12:14
  good.
• 12:14
  It's
• 12:14
  choosing
• 12:15
  wisdom.
• 12:15
  It's
• 12:16
  choosing
• 12:16
  patience
• 12:17
  and,
• 12:17
  and
• 12:17
  it's
• 12:18
  choosing
• 12:18
  peace
• 12:18
  in
• 12:19
  advance.
• 12:20
  And
• 12:20
  that
• 12:20
  harvest,
• 12:21
  it
• 12:21
  takes
• 12:22
  time.
• 12:23
  So
• 12:23
  if
• 12:23
  you're
• 12:23
  feeling
• 12:24
  tired
• 12:24
  right
• 12:24
  now,
• 12:24
  let
• 12:24
  me
• 12:25
  tell
• 12:25
  you
• 12:25
  right
• 12:25
  now,
• 12:25
  you're
• 12:25
  not
• 12:25
  failing.
• 12:26
  You're
• 12:26
  just
• 12:27
  in
• 12:27
  the
• 12:27
  growing
• 12:27
  season
• 12:28
  and
• 12:29
  God
• 12:29
  is
• 12:29
  with
• 12:29
  you
• 12:29
  right
• 12:30
  there
• 12:30
  in
• 12:30
  that
• 12:30
  season.
• 12:31
  So
• 12:31
  here's
• 12:32
  your
• 12:32
  action
• 12:32
  step
• 12:32
  for
• 12:32
  today.
• 12:33
  I
• 12:33
  want
• 12:33
  you
• 12:33
  to
• 12:33
  take
• 12:33
  one
• 12:34
  big
• 12:34
  savings
• 12:34
  goal
• 12:35
  and
• 12:35
  break
• 12:35
  it
• 12:35
  into
• 12:36
  three
• 12:36
  milestones
• 12:37
  and
• 12:37
  write
• 12:37
  them
• 12:38
  down
• 12:38
  today.
• 12:38
  Not
• 12:39
  in
• 12:39
  your
• 12:39
  head.
• 12:39
  Put
• 12:39
  it
• 12:40
  on
• 12:40
  paper
• 12:40
  or
• 12:40
  in
• 12:41
  your
• 12:41
  notes
• 12:41
  app.
• 12:41
  Like
• 12:41
  I
• 12:41
  said
• 12:42
  earlier,
• 12:42
  that
• 12:42
  goal,
• 12:42
  maybe
• 12:43
  you
• 12:43
  want
• 12:43
  to
• 12:43
  save
• 12:43
  $3,000,
• 12:44
  will
• 12:44
  set
• 12:45
  up
• 12:45
  three
• 12:45
  milestones.
• 12:46
  A
• 12:46
  thousand,
• 12:47
  two
• 12:47
  thousand,
• 12:47
  and
• 12:48
  three
• 12:48
  thousand.
• 12:49
  And
• 12:50
  friend,
• 12:50
  when
• 12:50
  you
• 12:50
  hit
• 12:50
  that
• 12:51
  milestone
• 12:51
  one,
• 12:52
  don't
• 12:52
  just
• 12:52
  rust
• 12:53
  past
• 12:53
  it.
• 12:54
  Stop,
• 12:54
  breathe
• 12:55
  and
• 12:55
  thank
• 12:55
  God
• 12:55
  for
• 12:56
  the
• 12:56
  progress.
• 12:56
  And
• 12:56
  tell
• 12:57
  yourself,
• 12:57
  guess
• 12:57
  what?
• 12:57
  I'm
• 12:58
  doing
• 12:58
  this
• 12:59
  because
• 12:59
  you
• 13:00
  are
• 13:00
  doing
• 13:00
  it.
• 13:01
  Lord,
• 13:02
  thank
• 13:02
  you
• 13:02
  for
• 13:02
  teaching
• 13:02
  us
• 13:03
  patience.
• 13:04
  Help
• 13:04
  us
• 13:04
  to
• 13:04
  not
• 13:04
  grow
• 13:05
  weary,
• 13:05
  Lord.
• 13:05
  Give
• 13:06
  us
• 13:06
  strength
• 13:06
  to
• 13:06
  keep
• 13:06
  going
• 13:07
  and
• 13:07
  joy
• 13:08
  at
• 13:08
  each
• 13:08
  and
• 13:08
  every
• 13:09
  step
• 13:09
  on
• 13:09
  the
• 13:09
  journey.
• 13:10
  And
• 13:10
  for
• 13:10
  the
• 13:10
  listener
• 13:11
  right
• 13:11
  now
• 13:11
  who
• 13:11
  feels
• 13:12
  tired,
• 13:12
  remind
• 13:13
  them
• 13:13
  that
• 13:13
  steady
• 13:14
  steps
• 13:14
  still
• 13:14
  count.
• 13:15
  Remind
• 13:15
  them
• 13:15
  that
• 13:15
  you
• 13:16
  are
• 13:16
  not
• 13:16
  disappointed
• 13:17
  and
• 13:17
  you
• 13:17
  are
• 13:18
  present
• 13:18
  where
• 13:18
  we
• 13:18
  are
• 13:18
  right
• 13:19
  now
• 13:19
  and
• 13:19
  that
• 13:19
  you
• 13:19
  will
• 13:20
  finish
• 13:20
  what
• 13:20
  you
• 13:20
  started
• 13:21
  in
• 13:21
  them.
• 13:21
  And
• 13:21
  we
• 13:21
  ask
• 13:22
  this
• 13:22
  in
• 13:22
  Jesus
• 13:23
  name,
• 13:24
  Amen,
• 13:25
  friend.
• 13:25
  If
• 13:25
  you
• 13:25
  want
• 13:26
  encouragement,
• 13:26
  just
• 13:27
  like
• 13:27
  we
• 13:27
  talked
• 13:27
  about
• 13:27
  today,
• 13:27
  while
• 13:28
  you
• 13:28
  chase
• 13:28
  those
• 13:28
  big
• 13:29
  goals,
• 13:29
  I
• 13:29
  want
• 13:30
  to
• 13:30
  invite
• 13:30
  you
• 13:30
  to
• 13:30
  join
• 13:30
  us.
• 13:31
  Go
• 13:31
  to
• 13:31
  financiallyconfidentchristian.com/join
• 13:34
  again.
• 13:35
  That's
• 13:35
  financiallyconfidentchristian.com/join.
• 13:39
  That's
• 13:39
  where
• 13:39
  we
• 13:39
  help
• 13:39
  each
• 13:39
  other
• 13:40
  stay
• 13:40
  steady,
• 13:41
  stay
• 13:41
  hopeful,
• 13:42
  and
• 13:42
  keep
• 13:42
  going
• 13:43
  without
• 13:43
  shame.
• 13:43
  And
• 13:43
  friend,
• 13:44
  you're
• 13:44
  not
• 13:44
  alone
• 13:45
  in
• 13:45
  this.
• 13:46
  So
• 13:46
  let
• 13:46
  me
• 13:46
  remind
• 13:46
  you,
• 13:47
  big
• 13:47
  goals
• 13:48
  are
• 13:48
  possible
• 13:48
  without
• 13:49
  burnout.
• 13:49
  But
• 13:50
  you
• 13:50
  have
• 13:50
  to
• 13:50
  pace
• 13:51
  it,
• 13:51
  break
• 13:52
  it
• 13:52
  down,
• 13:52
  celebrate
• 13:53
  those
• 13:53
  progress,
• 13:54
  adjust
• 13:54
  when
• 13:54
  life
• 13:55
  shifts.
• 13:56
  All
• 13:56
  in
• 13:56
  all,
• 13:57
  keep
• 13:57
  moving
• 13:57
  forward.
• 13:58
  Tomorrow
• 13:59
  we're
• 13:59
  going
• 13:59
  to
• 13:59
  talk
• 13:59
  about
• 13:59
  something
• 14:00
  a
• 14:00
  little
• 14:00
  deeper.
• 14:00
  We're
• 14:00
  going
• 14:00
  to
• 14:01
  talk
• 14:01
  about
• 14:01
  how
• 14:01
  can
• 14:01
  you
• 14:01
  trust
• 14:02
  God
• 14:02
  with
• 14:02
  what
• 14:02
  you
• 14:03
  saved
• 14:03
  and
• 14:04
  what
• 14:04
  you
• 14:04
  can't.
• 14:05
  So
• 14:05
  today,
• 14:06
  if
• 14:06
  this
• 14:06
  show
• 14:06
  has
• 14:06
  encouraged
• 14:07
  you,
• 14:07
  if
• 14:07
  you
• 14:07
  know
• 14:08
  someone
• 14:08
  who's
• 14:08
  chasing
• 14:09
  a
• 14:09
  big
• 14:09
  goal
• 14:09
  right
• 14:10
  now,
• 14:10
  I
• 14:10
  encourage
• 14:10
  you
• 14:10
  share
• 14:10
  the
• 14:11
  show
• 14:11
  with
• 14:11
  them.
• 14:11
  This
• 14:12
  show
• 14:12
  is
• 14:12
  not
• 14:12
  about
• 14:13
  financial
• 14:13
  shame.
• 14:14
  It's
• 14:14
  about
• 14:14
  walking
• 14:15
  in
• 14:15
  wisdom,
• 14:15
  staying
• 14:16
  financially
• 14:16
  savvy,
• 14:17
  and
• 14:17
  truly
• 14:17
  becoming
• 14:18
  a
• 14:18
  financially
• 14:19
  confident
• 14:19
  Christian.
• 14:20
  So
• 14:20
  God
• 14:20
  bless
• 14:20
  you
• 14:21
  and
• 14:21
  I
• 14:21
  hope
• 14:21
  to
• 14:21
  see
• 14:22
  you
• 14:22
  again
• 14:22
  on
• 14:22
  tomorrow's
• 14:22
  show.