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Can I Pay My Brother to Boost His Roth IRA… or Is That a Problem? · Becoming Financially Confident

• 0:37
  What
• 0:37
  if
• 0:37
  you
• 0:38
  could
• 0:38
  help
• 0:38
  your
• 0:38
  younger
• 0:39
  sibling
• 0:39
  get
• 0:39
  a
• 0:39
  financial
• 0:40
  head
• 0:40
  start
• 0:41
  not
• 0:41
  just
• 0:41
  for
• 0:41
  today,
• 0:42
  but
• 0:42
  for
• 0:42
  decades
• 0:43
  to
• 0:43
  come?
• 0:44
  And
• 0:44
  what
• 0:44
  if
• 0:45
  doing
• 0:45
  it
• 0:45
  right
• 0:45
  now
• 0:46
  meant
• 0:46
  more
• 0:46
  than
• 0:46
  just
• 0:47
  maximizing
• 0:47
  contributions,
• 0:48
  but
• 0:48
  building
• 0:49
  habits
• 0:49
  that
• 0:49
  actually
• 0:50
  lasts?
• 0:51
  If
• 0:52
  you've
• 0:52
  been
• 0:52
  wondering
• 0:52
  how
• 0:52
  to
• 0:52
  help
• 0:53
  your
• 0:53
  younger
• 0:53
  sibling
• 0:54
  with
• 0:54
  money,
• 0:54
  right
• 0:54
  away,
• 0:55
  today
• 0:56
  we're
• 0:56
  going
• 0:56
  to
• 0:56
  walk
• 0:56
  through
• 0:57
  what
• 0:57
  actually
• 0:58
  looks
• 0:58
  like
• 0:58
  in
• 0:59
  practice
• 0:59
  going
• 0:59
  to
• 0:59
  be
• 1:00
  a
• 1:00
  very
• 1:00
  practical
• 1:01
  show.
• 1:01
  Today.
• 1:09
  We
• 1:09
  ride.
• 1:21
  Hey,
• 1:21
  friend,
• 1:21
  Ralph
• 1:22
  Estep
• 1:22
  Jr.
• 1:23
  Here.
• 1:23
  This
• 1:23
  is
• 1:24
  Financially
• 1:24
  Confident
• 1:25
  Christian.
• 1:26
  This
• 1:26
  is
• 1:26
  the
• 1:26
  Daily
• 1:26
  show
• 1:27
  where
• 1:27
  every
• 1:27
  day
• 1:28
  we
• 1:28
  try
• 1:28
  to
• 1:28
  break
• 1:28
  that
• 1:28
  cycle
• 1:29
  of
• 1:29
  financial
• 1:30
  shame
• 1:30
  and
• 1:31
  live
• 1:31
  in
• 1:31
  confidence.
• 1:32
  We
• 1:32
  got
• 1:33
  a
• 1:33
  great
• 1:33
  voicemail
• 1:34
  question
• 1:34
  today
• 1:35
  and
• 1:35
  it's
• 1:35
  very
• 1:35
  specific.
• 1:37
  Can
• 1:37
  you
• 1:37
  pay
• 1:37
  your
• 1:37
  younger
• 1:38
  sibling
• 1:38
  to
• 1:38
  help
• 1:39
  boost
• 1:39
  their
• 1:39
  Roth
• 1:40
  ira?
• 1:41
  And
• 1:41
  is
• 1:41
  it
• 1:41
  actually
• 1:42
  okay?
• 1:42
  Like
• 1:42
  I
• 1:42
  said,
• 1:42
  this
• 1:43
  is
• 1:43
  a
• 1:43
  very
• 1:43
  specific
• 1:44
  question,
• 1:45
  but
• 1:45
  someone
• 1:46
  sent
• 1:46
  this
• 1:46
  in
• 1:46
  and
• 1:46
  I
• 1:47
  want
• 1:47
  to
• 1:47
  answer
• 1:47
  it
• 1:47
  right
• 1:48
  now
• 1:48
  on
• 1:48
  the
• 1:48
  show.
• 1:48
  So
• 1:49
  let's
• 1:49
  get
• 1:49
  right
• 1:49
  to
• 1:49
  today's
• 1:50
  voicemail
• 1:50
  question.
• 1:51
  Hey
• 1:52
  Ralph,
• 1:52
  I
• 1:53
  need
• 1:53
  your
• 1:53
  help.
• 1:54
  I'm
• 1:55
  new
• 1:55
  to
• 1:55
  Roth
• 1:55
  iras
• 1:56
  and
• 1:56
  I'm
• 1:56
  trying
• 1:56
  to
• 1:56
  be
• 1:57
  financially
• 1:57
  responsible
• 1:58
  while
• 1:58
  also
• 1:59
  helping
• 1:59
  my
• 1:59
  younger
• 2:00
  brother.
• 2:01
  He's
• 2:01
  16
• 2:02
  and
• 2:02
  he's
• 2:02
  got
• 2:02
  a
• 2:02
  summer
• 2:03
  job
• 2:03
  lined
• 2:03
  up.
• 2:04
  He'll
• 2:04
  make
• 2:04
  around
• 2:05
  $1,000
• 2:06
  with
• 2:06
  a
• 2:06
  W2.
• 2:08
  So
• 2:08
  I'm
• 2:08
  thinking
• 2:09
  what
• 2:09
  if
• 2:09
  I
• 2:09
  open
• 2:10
  a
• 2:10
  custodial
• 2:10
  Roth
• 2:11
  IRA
• 2:11
  for
• 2:12
  him
• 2:12
  and
• 2:12
  then
• 2:12
  I
• 2:13
  could
• 2:13
  pay
• 2:13
  him
• 2:13
  for
• 2:13
  odd
• 2:13
  jobs
• 2:14
  during
• 2:14
  the
• 2:14
  year
• 2:14
  too,
• 2:15
  yard
• 2:16
  work,
• 2:16
  tutoring,
• 2:17
  that
• 2:17
  kind
• 2:17
  of
• 2:17
  thing.
• 2:19
  Here's
• 2:19
  my
• 2:19
  question.
• 2:20
  Could
• 2:21
  we
• 2:21
  combine
• 2:21
  his
• 2:21
  W2
• 2:22
  income
• 2:23
  with
• 2:23
  self
• 2:23
  employment
• 2:24
  income
• 2:24
  to
• 2:25
  hit
• 2:25
  the
• 2:25
  contribution
• 2:25
  limit?
• 2:27
  I
• 2:27
  know
• 2:27
  he'd
• 2:28
  have
• 2:28
  to
• 2:28
  report
• 2:28
  it
• 2:28
  and
• 2:29
  pay
• 2:29
  self
• 2:29
  employment
• 2:29
  tax,
• 2:30
  but
• 2:31
  we'd
• 2:31
  keep
• 2:31
  records,
• 2:32
  we'd
• 2:32
  pay
• 2:32
  him
• 2:32
  properly.
• 2:34
  But
• 2:34
  I'm
• 2:34
  wondering,
• 2:35
  is
• 2:35
  this
• 2:35
  actually
• 2:36
  doable
• 2:37
  or
• 2:37
  am
• 2:37
  I
• 2:37
  overthinking
• 2:38
  it?
• 2:39
  No,
• 2:39
  great
• 2:40
  question.
• 2:40
  And
• 2:40
  it
• 2:40
  is
• 2:41
  doable
• 2:41
  and
• 2:41
  you're
• 2:42
  not
• 2:42
  overthinking
• 2:42
  it.
• 2:43
  And
• 2:43
  I
• 2:43
  love
• 2:43
  the
• 2:44
  heart
• 2:44
  behind
• 2:44
  this
• 2:45
  because
• 2:45
  what
• 2:45
  you're
• 2:46
  really
• 2:46
  asking
• 2:46
  me
• 2:47
  is
• 2:47
  this,
• 2:47
  Ralph,
• 2:48
  how
• 2:48
  do
• 2:48
  I
• 2:48
  help
• 2:48
  him
• 2:49
  get
• 2:49
  ahead
• 2:49
  the
• 2:49
  right
• 2:49
  way?
• 2:50
  I
• 2:51
  love
• 2:51
  the
• 2:51
  love
• 2:51
  you're
• 2:52
  showing
• 2:52
  your
• 2:52
  brother
• 2:52
  here.
• 2:53
  And
• 2:53
  that
• 2:53
  matters
• 2:54
  because
• 2:54
  in
• 2:55
  the
• 2:55
  end,
• 2:55
  you
• 2:55
  know,
• 2:56
  it
• 2:56
  would
• 2:56
  be
• 2:56
  really
• 2:56
  simple
• 2:56
  to
• 2:57
  say,
• 2:57
  well,
• 2:57
  this
• 2:57
  is
• 2:57
  just
• 2:57
  a
• 2:57
  Roth
• 2:58
  IRA
• 2:58
  question,
• 2:59
  but
• 2:59
  that's
• 2:59
  not
• 3:00
  really
• 3:00
  what
• 3:00
  you're
• 3:00
  asking
• 3:01
  me.
• 3:01
  Yeah,
• 3:01
  you've
• 3:01
  got
• 3:01
  some
• 3:02
  specifics.
• 3:02
  We
• 3:02
  need
• 3:03
  to
• 3:03
  talk
• 3:03
  through
• 3:03
  that.
• 3:04
  But
• 3:04
  what
• 3:04
  you're
• 3:04
  talking
• 3:05
  about
• 3:05
  is
• 3:05
  teaching
• 3:05
  responsibility
• 3:06
  and
• 3:07
  ownership
• 3:07
  and
• 3:08
  really
• 3:08
  showing
• 3:09
  your
• 3:09
  brother
• 3:09
  how
• 3:10
  money
• 3:10
  actually
• 3:10
  works.
• 3:12
  So
• 3:12
  here's
• 3:12
  my
• 3:12
  big
• 3:12
  idea
• 3:13
  for
• 3:13
  today.
• 3:14
  Helping
• 3:14
  your
• 3:14
  sibling
• 3:15
  build
• 3:15
  wealth
• 3:15
  starts
• 3:16
  with
• 3:16
  integrity
• 3:16
  and
• 3:17
  real
• 3:17
  earned
• 3:18
  income.
• 3:18
  That's
• 3:18
  the
• 3:18
  part
• 3:18
  I
• 3:19
  love
• 3:19
  about
• 3:19
  what
• 3:19
  you're
• 3:20
  doing.
• 3:20
  Not
• 3:21
  just
• 3:21
  trying
• 3:21
  to
• 3:21
  maximize
• 3:22
  contribution
• 3:23
  but
• 3:23
  let's
• 3:23
  get
• 3:23
  into
• 3:24
  the
• 3:24
  actual
• 3:25
  specifics
• 3:26
  of
• 3:26
  your
• 3:26
  question.
• 3:27
  You
• 3:27
  got
• 3:27
  to
• 3:27
  start
• 3:27
  by
• 3:28
  understanding
• 3:28
  the
• 3:29
  core
• 3:29
  rule
• 3:29
  here.
• 3:29
  This
• 3:30
  is
• 3:30
  going
• 3:30
  to
• 3:30
  be
• 3:30
  a
• 3:30
  super
• 3:31
  practical
• 3:31
  episode.
• 3:32
  To
• 3:33
  contribute
• 3:33
  to
• 3:33
  a
• 3:34
  Roth
• 3:34
  ira,
• 3:35
  your
• 3:35
  brother
• 3:36
  has
• 3:36
  to
• 3:36
  have
• 3:36
  what
• 3:36
  the
• 3:37
  IRS
• 3:37
  calls
• 3:37
  earned
• 3:38
  income.
• 3:39
  Income
• 3:39
  that
• 3:40
  he
• 3:40
  earns.
• 3:40
  Don't
• 3:40
  overthink
• 3:41
  it.
• 3:41
  W2,
• 3:42
  income
• 3:42
  from
• 3:43
  a
• 3:43
  job.
• 3:43
  Check
• 3:43
  the
• 3:44
  box.
• 3:44
  Definitely
• 3:44
  works.
• 3:45
  Also
• 3:45
  what
• 3:46
  works
• 3:46
  and
• 3:46
  you've
• 3:46
  met,
• 3:47
  if
• 3:47
  you
• 3:47
  said
• 3:47
  it
• 3:47
  is
• 3:48
  legitimate
• 3:48
  self
• 3:49
  employment
• 3:49
  income.
• 3:50
  Now
• 3:50
  you
• 3:50
  notice
• 3:51
  I
• 3:51
  use
• 3:51
  the
• 3:51
  word
• 3:51
  legitimate.
• 3:53
  And
• 3:53
  the
• 3:53
  contribution
• 3:54
  limit
• 3:54
  is
• 3:54
  based
• 3:54
  on
• 3:55
  what
• 3:55
  he
• 3:55
  actually
• 3:55
  earns,
• 3:56
  not
• 3:57
  what
• 3:57
  you
• 3:57
  want
• 3:57
  to
• 3:57
  contribute
• 3:58
  for
• 3:58
  him.
• 3:58
  So
• 3:58
  he's
• 3:58
  got
• 3:58
  to
• 3:59
  make
• 3:59
  the
• 3:59
  income.
• 4:00
  It's
• 4:00
  great
• 4:00
  that
• 4:00
  you
• 4:01
  want
• 4:01
  to
• 4:01
  contribute
• 4:01
  to
• 4:01
  him,
• 4:02
  but
• 4:02
  because
• 4:02
  of
• 4:02
  the
• 4:02
  way
• 4:02
  this
• 4:03
  is
• 4:03
  structured,
• 4:03
  it's
• 4:04
  got
• 4:04
  to
• 4:04
  be
• 4:04
  what
• 4:04
  he
• 4:04
  actually
• 4:05
  makes.
• 4:05
  So
• 4:06
  let
• 4:06
  me
• 4:06
  answer
• 4:06
  your
• 4:06
  question
• 4:07
  straight
• 4:07
  on.
• 4:08
  Yes,
• 4:08
  combining
• 4:09
  income
• 4:10
  can
• 4:10
  work.
• 4:10
  If
• 4:10
  it's
• 4:11
  real,
• 4:11
  you're
• 4:12
  thinking
• 4:12
  in
• 4:12
  the
• 4:12
  right
• 4:12
  direction.
• 4:13
  If
• 4:13
  your
• 4:14
  brother
• 4:14
  earns
• 4:14
  money
• 4:15
  from
• 4:15
  his
• 4:15
  job
• 4:15
  and
• 4:16
  then
• 4:16
  gets
• 4:16
  additional
• 4:17
  income
• 4:17
  from
• 4:17
  real
• 4:18
  work,
• 4:18
  then
• 4:18
  yes,
• 4:18
  you
• 4:18
  can
• 4:19
  absolutely
• 4:19
  do
• 4:19
  that.
• 4:20
  Those
• 4:20
  can
• 4:20
  be
• 4:20
  combined
• 4:21
  towards
• 4:21
  his
• 4:22
  total
• 4:22
  earned
• 4:22
  income.
• 4:23
  But
• 4:24
  here's
• 4:24
  the
• 4:24
  key.
• 4:24
  I
• 4:24
  want
• 4:24
  you
• 4:24
  to
• 4:25
  understand,
• 4:25
  and
• 4:25
  I
• 4:25
  don't
• 4:25
  think
• 4:26
  this
• 4:26
  is
• 4:26
  an
• 4:26
  issue,
• 4:26
  but
• 4:26
  I
• 4:27
  want
• 4:27
  to
• 4:27
  be
• 4:27
  clear
• 4:27
  about
• 4:27
  this.
• 4:28
  The
• 4:28
  work's
• 4:29
  got
• 4:29
  to
• 4:29
  be
• 4:29
  real,
• 4:30
  the
• 4:30
  pay
• 4:30
  has
• 4:31
  to
• 4:31
  be
• 4:31
  reasonable,
• 4:32
  and
• 4:32
  the
• 4:32
  records
• 4:32
  must
• 4:33
  be
• 4:33
  clean.
• 4:33
  You've
• 4:33
  already
• 4:34
  said
• 4:34
  what
• 4:34
  the
• 4:34
  work
• 4:34
  is.
• 4:34
  Lawn
• 4:35
  work,
• 4:35
  working
• 4:36
  around
• 4:36
  the
• 4:36
  house,
• 4:36
  doing
• 4:37
  stuff
• 4:37
  that
• 4:37
  makes
• 4:37
  it
• 4:38
  real.
• 4:38
  It's
• 4:39
  reasonable.
• 4:39
  You're
• 4:40
  not
• 4:40
  going
• 4:40
  to
• 4:40
  pay
• 4:40
  them
• 4:40
  some
• 4:40
  outrageous
• 4:41
  number.
• 4:42
  And
• 4:42
  you've
• 4:42
  already
• 4:42
  said
• 4:43
  the
• 4:43
  beautiful
• 4:43
  thing
• 4:43
  as
• 4:43
  an
• 4:44
  accountant,
• 4:44
  I
• 4:44
  love
• 4:44
  to
• 4:44
  hear
• 4:45
  this.
• 4:45
  The
• 4:45
  records
• 4:46
  are
• 4:46
  going
• 4:46
  to
• 4:46
  be
• 4:46
  clean.
• 4:47
  I
• 4:48
  love
• 4:48
  it.
• 4:48
  So
• 4:48
  to
• 4:48
  answer
• 4:48
  your
• 4:49
  very
• 4:49
  simple
• 4:50
  question,
• 4:50
  sounds
• 4:51
  like
• 4:51
  it
• 4:51
  would
• 4:51
  work.
• 4:52
  But
• 4:52
  I
• 4:52
  also
• 4:53
  want
• 4:53
  you
• 4:53
  to
• 4:53
  watch
• 4:53
  the
• 4:53
  intent
• 4:54
  behind
• 4:54
  this
• 4:54
  strategy
• 4:55
  because
• 4:56
  this
• 4:56
  is
• 4:56
  where
• 4:56
  people
• 4:56
  get
• 4:57
  themselves
• 4:57
  into
• 4:57
  trouble.
• 4:58
  It's
• 4:59
  so
• 4:59
  easy
• 4:59
  to
• 4:59
  shift
• 5:00
  into,
• 5:00
  well,
• 5:01
  how
• 5:01
  do
• 5:01
  I
• 5:01
  maximize
• 5:02
  the
• 5:02
  contribution
• 5:03
  limit?
• 5:03
  Ralph,
• 5:05
  instead
• 5:05
  of
• 5:05
  asking
• 5:05
  the
• 5:06
  question
• 5:06
  you've
• 5:06
  asked,
• 5:06
  and
• 5:07
  this
• 5:07
  is,
• 5:07
  are
• 5:07
  we
• 5:07
  doing
• 5:08
  this
• 5:08
  the
• 5:08
  right
• 5:08
  way?
• 5:09
  Because
• 5:10
  in
• 5:10
  the
• 5:10
  end,
• 5:11
  the
• 5:11
  goal
• 5:11
  isn't
• 5:12
  just
• 5:12
  funding
• 5:12
  an
• 5:12
  account.
• 5:13
  That's
• 5:13
  part
• 5:14
  of
• 5:14
  it.
• 5:14
  Your
• 5:14
  brother
• 5:14
  is
• 5:15
  going
• 5:15
  to
• 5:15
  benefit
• 5:15
  from
• 5:16
  that.
• 5:17
  But
• 5:17
  you're
• 5:17
  making
• 5:18
  sure
• 5:18
  that
• 5:18
  everything
• 5:18
  holds
• 5:19
  up,
• 5:19
  both
• 5:19
  legally
• 5:20
  and
• 5:20
  ethically.
• 5:20
  That's
• 5:21
  why
• 5:21
  I
• 5:21
  love
• 5:21
  this
• 5:21
  question,
• 5:21
  because
• 5:22
  you're
• 5:22
  being
• 5:22
  very
• 5:22
  practical
• 5:23
  in
• 5:23
  saying,
• 5:23
  ralph,
• 5:23
  can
• 5:23
  I
• 5:24
  do
• 5:24
  this?
• 5:24
  Does
• 5:24
  it
• 5:25
  work?
• 5:26
  But
• 5:26
  I
• 5:26
  want
• 5:26
  you
• 5:26
  to
• 5:27
  use
• 5:27
  this
• 5:27
  as
• 5:27
  a
• 5:27
  teaching
• 5:28
  moment
• 5:28
  because
• 5:29
  this
• 5:29
  is
• 5:29
  the
• 5:29
  real
• 5:29
  opportunity
• 5:30
  and
• 5:30
  I
• 5:30
  think
• 5:30
  this
• 5:31
  is
• 5:31
  where
• 5:31
  your
• 5:31
  heart
• 5:31
  is.
• 5:32
  Let
• 5:33
  him
• 5:33
  actually
• 5:33
  do
• 5:33
  the
• 5:34
  work.
• 5:34
  Let
• 5:34
  him
• 5:34
  put
• 5:34
  in
• 5:35
  the
• 5:35
  blood,
• 5:35
  sweat
• 5:36
  and
• 5:36
  tears
• 5:36
  to
• 5:37
  make
• 5:37
  that
• 5:37
  money.
• 5:38
  Help
• 5:38
  him
• 5:38
  to
• 5:38
  Understand
• 5:39
  what
• 5:39
  he's
• 5:39
  getting
• 5:40
  paid,
• 5:40
  let
• 5:40
  him
• 5:41
  see
• 5:41
  how
• 5:41
  taxes
• 5:42
  work,
• 5:42
  and
• 5:42
  let
• 5:43
  him
• 5:43
  watch
• 5:43
  that
• 5:43
  money
• 5:44
  go
• 5:44
  into
• 5:44
  that
• 5:44
  Roth
• 5:45
  ira,
• 5:46
  because
• 5:46
  what
• 5:46
  he's
• 5:47
  going
• 5:47
  to
• 5:47
  learn
• 5:47
  here
• 5:47
  is
• 5:48
  going
• 5:48
  to
• 5:48
  stick
• 5:48
  longer
• 5:49
  than
• 5:49
  the
• 5:49
  money
• 5:49
  itself.
• 5:50
  This
• 5:50
  is
• 5:50
  a
• 5:50
  money
• 5:50
  issue,
• 5:51
  but
• 5:51
  it's
• 5:51
  more
• 5:52
  of
• 5:52
  a
• 5:52
  teaching
• 5:52
  moment.
• 5:54
  So
• 5:54
  focus
• 5:54
  on
• 5:55
  integrity
• 5:55
  over
• 5:56
  optimization.
• 5:56
  I
• 5:57
  want
• 5:57
  to
• 5:57
  bring
• 5:57
  this
• 5:57
  home
• 5:57
  for
• 5:57
  you.
• 5:58
  Yes,
• 5:58
  this
• 5:59
  can
• 5:59
  be
• 5:59
  done
• 5:59
  correctly.
• 6:00
  I've
• 6:00
  already
• 6:01
  told
• 6:01
  you,
• 6:01
  the
• 6:01
  answer
• 6:01
  is
• 6:01
  yes,
• 6:02
  absolutely.
• 6:02
  Yes,
• 6:03
  you
• 6:03
  can
• 6:03
  document
• 6:04
  it
• 6:04
  and
• 6:04
  yes,
• 6:05
  you
• 6:05
  can
• 6:05
  help
• 6:05
  them
• 6:05
  contribute
• 6:06
  more.
• 6:07
  But
• 6:07
  in
• 6:07
  my
• 6:07
  view,
• 6:08
  that's
• 6:08
  not
• 6:08
  the
• 6:08
  big
• 6:08
  win
• 6:08
  here.
• 6:09
  The
• 6:10
  big
• 6:10
  win
• 6:10
  here
• 6:11
  is
• 6:11
  making
• 6:11
  sure
• 6:12
  this
• 6:12
  is
• 6:12
  real
• 6:12
  work,
• 6:13
  fair
• 6:13
  pay,
• 6:14
  and
• 6:14
  properly
• 6:15
  reported,
• 6:16
  because
• 6:16
  that's
• 6:16
  what
• 6:17
  builds
• 6:17
  trust
• 6:17
  and,
• 6:18
  and
• 6:18
  that's
• 6:18
  what
• 6:19
  lasts.
• 6:20
  But
• 6:20
  let's
• 6:20
  go
• 6:21
  a
• 6:21
  little
• 6:21
  deeper
• 6:21
  here
• 6:21
  because
• 6:22
  I
• 6:22
  really
• 6:22
  want
• 6:22
  to
• 6:23
  key
• 6:23
  in
• 6:23
  on
• 6:23
  something
• 6:23
  you're
• 6:24
  doing
• 6:24
  here.
• 6:24
  What
• 6:24
  you're
• 6:25
  doing
• 6:25
  here
• 6:25
  is
• 6:26
  influence.
• 6:27
  And
• 6:27
  influence
• 6:28
  is
• 6:28
  a
• 6:28
  positive
• 6:29
  and
• 6:29
  a
• 6:29
  negative.
• 6:29
  What
• 6:30
  you're
• 6:30
  doing
• 6:30
  here
• 6:30
  is
• 6:30
  very
• 6:31
  positive
• 6:32
  because
• 6:32
  what
• 6:32
  you're
• 6:32
  doing
• 6:33
  for
• 6:33
  your
• 6:33
  brother
• 6:33
  is
• 6:33
  you're
• 6:34
  shaping
• 6:34
  how
• 6:34
  he
• 6:34
  feels
• 6:35
  about
• 6:35
  money,
• 6:36
  how
• 6:36
  he
• 6:36
  feels
• 6:36
  about
• 6:37
  responsibility
• 6:38
  and
• 6:38
  how
• 6:38
  he
• 6:39
  feels
• 6:39
  about
• 6:39
  provision.
• 6:40
  And
• 6:40
  that
• 6:40
  matters
• 6:42
  in
• 6:42
  so
• 6:42
  many
• 6:43
  ways.
• 6:43
  This
• 6:43
  is
• 6:43
  more
• 6:43
  than
• 6:44
  a
• 6:44
  financial
• 6:44
  move,
• 6:45
  it's
• 6:45
  a
• 6:45
  discipleship
• 6:46
  moment.
• 6:47
  So
• 6:48
  in
• 6:48
  that,
• 6:49
  just
• 6:49
  ask
• 6:49
  God
• 6:50
  to
• 6:50
  help
• 6:50
  you
• 6:50
  guide
• 6:51
  him
• 6:52
  not
• 6:52
  just
• 6:52
  towards
• 6:52
  wealth,
• 6:53
  but
• 6:53
  towards
• 6:53
  wisdom.
• 6:53
  And
• 6:54
  I
• 6:54
  think
• 6:54
  you're
• 6:54
  doing
• 6:54
  a
• 6:54
  fantastic
• 6:55
  job.
• 6:55
  You
• 6:56
  are
• 6:56
  a
• 6:56
  great
• 6:56
  brother
• 6:57
  because
• 6:58
  in
• 6:58
  the
• 6:58
  end,
• 6:58
  you're
• 6:58
  not
• 6:58
  just
• 6:59
  helping
• 6:59
  him
• 6:59
  invest,
• 7:00
  you're
• 7:00
  helping
• 7:00
  him
• 7:00
  learn
• 7:01
  how
• 7:01
  to
• 7:01
  earn.
• 7:02
  Those
• 7:02
  are
• 7:03
  lessons
• 7:03
  that
• 7:03
  he
• 7:03
  will
• 7:04
  keep
• 7:04
  for
• 7:04
  the
• 7:04
  rest
• 7:04
  of
• 7:05
  his
• 7:05
  life.
• 7:06
  So
• 7:06
  I
• 7:06
  always
• 7:06
  want
• 7:07
  to
• 7:07
  give
• 7:07
  a
• 7:07
  win
• 7:07
  on
• 7:07
  the
• 7:07
  show
• 7:08
  for
• 7:08
  everybody
• 7:08
  watching
• 7:08
  or
• 7:09
  listening.
• 7:09
  Here's
• 7:09
  your
• 7:09
  win
• 7:09
  for
• 7:10
  today,
• 7:11
  and
• 7:11
  you've
• 7:11
  already
• 7:11
  nailed
• 7:12
  it.
• 7:12
  Start
• 7:12
  with
• 7:13
  legitimacy,
• 7:13
  not
• 7:13
  limits.
• 7:14
  You've
• 7:14
  already
• 7:14
  asked
• 7:14
  the
• 7:14
  question.
• 7:15
  We
• 7:16
  will
• 7:16
  only
• 7:16
  contribute
• 7:17
  what
• 7:17
  is
• 7:17
  clearly
• 7:18
  earned
• 7:18
  and
• 7:18
  properly
• 7:19
  documented.
• 7:20
  Because
• 7:20
  doing
• 7:20
  it
• 7:21
  right
• 7:21
  matters
• 7:21
  more
• 7:21
  than
• 7:22
  doing
• 7:22
  it
• 7:22
  fast.
• 7:23
  I
• 7:23
  love
• 7:24
  that
• 7:24
  about
• 7:24
  this.
• 7:24
  Well,
• 7:24
  let's
• 7:25
  get
• 7:25
  right
• 7:25
  into
• 7:25
  the
• 7:25
  word
• 7:25
  of
• 7:25
  God.
• 7:26
  We're
• 7:26
  going
• 7:26
  to
• 7:26
  go
• 7:26
  to
• 7:26
  the
• 7:26
  book
• 7:26
  of
• 7:27
  Luke,
• 7:27
  chapter
• 7:28
  16,
• 7:29
  verse
• 7:29
  10.
• 7:30
  And
• 7:30
  it
• 7:30
  says
• 7:30
  this
• 7:31
  again,
• 7:31
  Luke
• 7:31
  16:10.
• 7:32
  Whoever
• 7:33
  can
• 7:33
  be
• 7:33
  trusted
• 7:34
  with
• 7:34
  very
• 7:34
  little
• 7:34
  can
• 7:35
  also
• 7:35
  be
• 7:35
  trusted
• 7:36
  with
• 7:36
  much.
• 7:37
  But
• 7:37
  whoever
• 7:38
  is
• 7:38
  dishonest
• 7:38
  with
• 7:38
  very
• 7:39
  little
• 7:39
  will
• 7:39
  also
• 7:40
  be
• 7:40
  dishonest
• 7:41
  with
• 7:41
  much.
• 7:43
  And
• 7:43
  I
• 7:43
  love
• 7:43
  your
• 7:43
  question
• 7:44
  today
• 7:44
  because
• 7:44
  what
• 7:44
  you're
• 7:45
  really
• 7:45
  talking
• 7:45
  about,
• 7:46
  influence
• 7:47
  and
• 7:47
  integrity.
• 7:49
  Integrity
• 7:50
  in
• 7:50
  small
• 7:50
  financial
• 7:51
  decisions
• 7:52
  builds
• 7:52
  a
• 7:52
  foundation
• 7:53
  that
• 7:53
  actually
• 7:54
  lasts.
• 7:55
  And
• 7:55
  your
• 7:55
  brother's
• 7:56
  going
• 7:56
  to
• 7:56
  see
• 7:56
  that
• 7:56
  because
• 7:57
  he's
• 7:57
  going
• 7:57
  to
• 7:57
  put
• 7:57
  in
• 7:57
  the
• 7:58
  work,
• 7:58
  he's
• 7:58
  going
• 7:58
  to
• 7:58
  see
• 7:59
  all
• 7:59
  the
• 7:59
  behind
• 7:59
  the
• 7:59
  scenes
• 8:00
  stuff
• 8:00
  that
• 8:00
  makes
• 8:00
  us
• 8:01
  legitimate.
• 8:01
  And
• 8:02
  that
• 8:02
  integrity
• 8:03
  is
• 8:03
  so
• 8:04
  very
• 8:04
  important.
• 8:05
  How
• 8:05
  about
• 8:05
  we
• 8:06
  pray
• 8:06
  together?
• 8:07
  Heavenly
• 8:07
  Father,
• 8:09
  I
• 8:09
  lift
• 8:09
  up
• 8:09
  my
• 8:09
  friend
• 8:10
  right
• 8:10
  now
• 8:10
  who
• 8:10
  wants
• 8:10
  to
• 8:10
  guide
• 8:11
  his
• 8:11
  brother
• 8:11
  wisely.
• 8:13
  And
• 8:13
  you
• 8:13
  see
• 8:13
  their
• 8:14
  intention,
• 8:14
  you
• 8:15
  see
• 8:15
  their
• 8:15
  desire
• 8:15
  to
• 8:15
  do
• 8:16
  this
• 8:16
  the
• 8:16
  right
• 8:16
  way,
• 8:16
  Lord.
• 8:17
  So
• 8:17
  I
• 8:17
  just
• 8:17
  ask
• 8:17
  right
• 8:18
  now
• 8:18
  that
• 8:18
  you
• 8:18
  would
• 8:18
  give
• 8:18
  them
• 8:19
  wisdom
• 8:19
  as
• 8:20
  they
• 8:20
  navigate
• 8:20
  this
• 8:21
  decision.
• 8:22
  Help
• 8:22
  them
• 8:23
  to
• 8:23
  prioritize
• 8:23
  integrity
• 8:24
  and
• 8:25
  honesty
• 8:26
  and
• 8:26
  good
• 8:26
  stewardship.
• 8:27
  All
• 8:27
  the
• 8:27
  things
• 8:27
  that
• 8:27
  he's
• 8:28
  doing.
• 8:29
  And
• 8:29
  Lord,
• 8:29
  let
• 8:29
  this
• 8:30
  be
• 8:30
  more
• 8:30
  than
• 8:30
  a
• 8:31
  financial
• 8:31
  step.
• 8:32
  Let
• 8:32
  it
• 8:32
  be
• 8:33
  a
• 8:33
  moment
• 8:33
  of
• 8:33
  growth
• 8:34
  and
• 8:34
  understanding
• 8:35
  and
• 8:35
  a
• 8:35
  positive
• 8:36
  influence
• 8:36
  in
• 8:36
  his
• 8:36
  brother's
• 8:37
  life.
• 8:38
  Guide
• 8:38
  him
• 8:38
  as
• 8:39
  he
• 8:39
  leads,
• 8:39
  Lord,
• 8:39
  and
• 8:40
  bless
• 8:40
  the
• 8:40
  work
• 8:40
  of
• 8:40
  their
• 8:41
  hands
• 8:41
  as
• 8:42
  they
• 8:42
  do
• 8:42
  this
• 8:42
  together.
• 8:43
  And
• 8:43
  we
• 8:43
  ask
• 8:44
  this
• 8:44
  in
• 8:45
  Jesus
• 8:45
  name.
• 8:46
  Amen,
• 8:49
  friend.
• 8:49
  Doing
• 8:49
  it
• 8:49
  right
• 8:50
  matters
• 8:50
  more
• 8:50
  than
• 8:50
  doing
• 8:51
  it
• 8:51
  fast.
• 8:51
  And
• 8:51
  that's
• 8:51
  why
• 8:51
  I'm
• 8:52
  so
• 8:52
  happy
• 8:52
  you
• 8:52
  sent
• 8:52
  me
• 8:53
  that
• 8:53
  question.
• 8:53
  Yes,
• 8:53
  it's
• 8:54
  a
• 8:54
  very
• 8:54
  practical
• 8:55
  question,
• 8:55
  but
• 8:56
  it
• 8:56
  is
• 8:56
  so
• 8:57
  important
• 8:57
  that
• 8:57
  you
• 8:57
  do
• 8:58
  this
• 8:58
  right
• 8:59
  rather
• 8:59
  than
• 8:59
  fast.
• 9:00
  Now,
• 9:01
  maybe
• 9:01
  right
• 9:01
  now,
• 9:01
  as
• 9:02
  you're
• 9:02
  watching
• 9:02
  or
• 9:02
  listening,
• 9:03
  you're
• 9:03
  guiding
• 9:03
  somebody
• 9:04
  financially
• 9:04
  and
• 9:04
  you're
• 9:04
  not
• 9:05
  sure
• 9:05
  what
• 9:05
  the
• 9:05
  next
• 9:06
  right
• 9:06
  move
• 9:06
  is.
• 9:07
  Hey,
• 9:07
  you're
• 9:08
  welcome
• 9:08
  to
• 9:08
  call
• 9:08
  me
• 9:08
  or
• 9:09
  leave
• 9:09
  me
• 9:09
  a
• 9:09
  voicemail.
• 9:10
  You
• 9:10
  can
• 9:10
  go
• 9:11
  to
• 9:11
  financiallyconfidentchristian.com/voicemail
• 9:15
  I'll
• 9:15
  put
• 9:15
  a
• 9:16
  link
• 9:16
  in
• 9:16
  the
• 9:16
  show
• 9:16
  notes.
• 9:16
  It's
• 9:17
  super
• 9:17
  easy.
• 9:17
  Just
• 9:18
  click
• 9:18
  on
• 9:18
  the
• 9:18
  show
• 9:18
  notes
• 9:19
  and
• 9:19
  click
• 9:19
  that
• 9:19
  button
• 9:19
  and
• 9:20
  bam,
• 9:20
  you'll
• 9:20
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• 9:20
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• 9:20
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• 9:21
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• 9:23
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• 9:27
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• 9:31
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• 9:33
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• 9:33
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• 9:33
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• 9:34
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