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Which Debt Payoff Plan Will You Actually Stick With? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  tried
• 0:38
  to
• 0:38
  get
• 0:38
  out
• 0:38
  of
• 0:38
  debt
• 0:38
  but
• 0:39
  got
• 0:39
  stuck
• 0:39
  before
• 0:39
  you
• 0:40
  even
• 0:40
  started?
• 0:41
  Not
• 0:41
  because
• 0:41
  you
• 0:41
  didn't
• 0:42
  want
• 0:42
  freedom,
• 0:42
  but
• 0:43
  because
• 0:43
  you
• 0:43
  didn't
• 0:43
  know
• 0:44
  which
• 0:44
  plan
• 0:44
  to
• 0:44
  choose.
• 0:45
  You
• 0:45
  watched
• 0:46
  that
• 0:46
  one
• 0:46
  video
• 0:46
  that
• 0:47
  said
• 0:47
  the
• 0:47
  Snowball
• 0:47
  Method,
• 0:48
  then
• 0:48
  another
• 0:49
  said
• 0:49
  Avalanche
• 0:50
  Method.
• 0:51
  Then
• 0:51
  a
• 0:51
  friend
• 0:51
  told
• 0:51
  you
• 0:52
  you're
• 0:52
  doing
• 0:52
  it
• 0:52
  completely
• 0:53
  wrong.
• 0:53
  And
• 0:54
  instead
• 0:54
  of
• 0:54
  hope,
• 0:54
  you
• 0:55
  felt
• 0:55
  overwhelmed.
• 0:56
  Friend,
• 0:57
  today
• 0:57
  isn't
• 0:57
  about
• 0:58
  choosing
• 0:58
  the
• 0:58
  smartest
• 0:59
  plane
• 0:59
  on
• 0:59
  paper.
• 1:00
  It's
• 1:00
  about
• 1:00
  choosing
• 1:00
  the
• 1:01
  plan
• 1:01
  you
• 1:01
  can
• 1:01
  live
• 1:01
  with
• 1:02
  when
• 1:02
  life
• 1:02
  gets
• 1:03
  loud.
• 1:25
  Hey,
• 1:25
  friend.
• 1:25
  Ralph
• 1:26
  Estep
• 1:26
  Jr.
• 1:27
  Here.
• 1:27
  Welcome
• 1:27
  to
• 1:28
  Financially
• 1:28
  Confident
• 1:29
  Christian,
• 1:29
  where
• 1:29
  we're
• 1:30
  learning
• 1:30
  how
• 1:30
  to
• 1:30
  walk
• 1:30
  through
• 1:31
  life
• 1:31
  and
• 1:31
  money
• 1:31
  with
• 1:32
  wisdom,
• 1:32
  with
• 1:33
  peace,
• 1:33
  and
• 1:34
  a
• 1:34
  heart
• 1:34
  anchored
• 1:34
  in
• 1:34
  God's
• 1:35
  truth.
• 1:36
  My
• 1:36
  mission
• 1:36
  here
• 1:36
  is
• 1:37
  pretty
• 1:37
  simple.
• 1:37
  I
• 1:38
  want
• 1:38
  to
• 1:38
  help
• 1:38
  you
• 1:38
  break
• 1:38
  that
• 1:39
  cycle
• 1:39
  of
• 1:39
  financial
• 1:40
  shame
• 1:40
  and
• 1:40
  build
• 1:40
  those
• 1:41
  steady
• 1:41
  habits
• 1:41
  that
• 1:42
  are
• 1:42
  rooted
• 1:42
  in
• 1:42
  faith.
• 1:43
  And
• 1:43
  to
• 1:43
  become
• 1:44
  the
• 1:44
  kind
• 1:44
  of
• 1:44
  believer
• 1:45
  who
• 1:45
  handles
• 1:45
  money
• 1:46
  with
• 1:46
  clarity,
• 1:47
  with
• 1:47
  confidence,
• 1:48
  and
• 1:48
  with
• 1:48
  spiritual
• 1:49
  purpose.
• 1:50
  Yesterday
• 1:50
  we
• 1:50
  talked
• 1:51
  about
• 1:51
  those
• 1:51
  debt
• 1:51
  myths,
• 1:52
  those
• 1:52
  stories
• 1:53
  that
• 1:53
  quietly
• 1:53
  keep
• 1:54
  people
• 1:54
  stuck,
• 1:54
  the
• 1:55
  ones
• 1:55
  that
• 1:55
  say
• 1:55
  freedom
• 1:56
  isn't
• 1:56
  realistic.
• 1:57
  And
• 1:57
  today
• 1:58
  we're
• 1:58
  going
• 1:58
  to
• 1:58
  move
• 1:58
  from
• 1:58
  belief
• 1:59
  and
• 1:59
  move
• 1:59
  into
• 2:00
  action.
• 2:00
  We're
• 2:01
  talking
• 2:01
  about
• 2:01
  how
• 2:01
  to
• 2:02
  actually
• 2:02
  pay
• 2:02
  off
• 2:02
  debt
• 2:03
  in
• 2:03
  a
• 2:03
  way
• 2:03
  that
• 2:04
  fits
• 2:04
  you,
• 2:04
  not
• 2:04
  someone
• 2:05
  else's
• 2:05
  personality.
• 2:06
  Because
• 2:06
  the
• 2:07
  best
• 2:07
  plan
• 2:07
  isn't
• 2:08
  the
• 2:08
  trendiest.
• 2:09
  It's
• 2:09
  the
• 2:09
  one
• 2:09
  you'll
• 2:10
  still
• 2:10
  be
• 2:10
  doing
• 2:10
  three
• 2:11
  months
• 2:11
  from
• 2:11
  now.
• 2:12
  A
• 2:12
  listener
• 2:13
  asked
• 2:13
  me
• 2:13
  this.
• 2:13
  Ralph,
• 2:14
  everyone
• 2:14
  tells
• 2:15
  me
• 2:15
  something
• 2:15
  different.
• 2:16
  Snowball,
• 2:17
  Avalanche.
• 2:18
  I
• 2:18
  just
• 2:18
  want
• 2:18
  to
• 2:18
  know,
• 2:18
  which
• 2:19
  do
• 2:19
  I
• 2:19
  choose
• 2:19
  the
• 2:20
  right
• 2:20
  one
• 2:20
  so
• 2:20
  I
• 2:20
  don't
• 2:21
  quit
• 2:21
  again.
• 2:22
  And.
• 2:23
  And
• 2:23
  that
• 2:23
  question
• 2:23
  tells
• 2:23
  me
• 2:24
  two
• 2:24
  things.
• 2:24
  Number
• 2:25
  one,
• 2:25
  you're
• 2:25
  ready
• 2:26
  to
• 2:26
  move
• 2:26
  forward.
• 2:27
  And
• 2:27
  number
• 2:27
  two,
• 2:27
  you
• 2:28
  want
• 2:28
  to
• 2:28
  do
• 2:28
  it
• 2:28
  wisely.
• 2:29
  Both
• 2:29
  of
• 2:29
  those
• 2:29
  things
• 2:29
  are
• 2:29
  fantastic.
• 2:30
  And
• 2:30
  I
• 2:30
  can
• 2:30
  help
• 2:30
  you.
• 2:31
  Because
• 2:31
  what
• 2:32
  you
• 2:32
  might
• 2:32
  be
• 2:32
  feeling
• 2:32
  is
• 2:33
  this.
• 2:33
  I
• 2:34
  don't
• 2:34
  want
• 2:34
  to
• 2:34
  fail
• 2:34
  again.
• 2:35
  I
• 2:35
  don't
• 2:35
  want
• 2:35
  to
• 2:36
  trust
• 2:36
  myself
• 2:36
  to
• 2:36
  stick
• 2:37
  with
• 2:37
  it.
• 2:37
  And
• 2:37
  I'm
• 2:38
  afraid
• 2:38
  of
• 2:38
  choosing
• 2:39
  the
• 2:39
  wrong
• 2:39
  option.
• 2:40
  And
• 2:41
  let
• 2:41
  me
• 2:41
  tell
• 2:41
  you
• 2:41
  right
• 2:41
  now,
• 2:41
  friend,
• 2:42
  that
• 2:42
  fear
• 2:42
  doesn't
• 2:42
  make
• 2:43
  you
• 2:43
  weak.
• 2:43
  It
• 2:44
  makes
• 2:44
  you
• 2:44
  care.
• 2:44
  And
• 2:44
  if
• 2:45
  you
• 2:45
  care,
• 2:45
  here's
• 2:46
  the
• 2:46
  truth.
• 2:47
  There
• 2:47
  is
• 2:47
  no
• 2:47
  perfect
• 2:48
  plan.
• 2:49
  There's
• 2:49
  only
• 2:49
  a
• 2:49
  faithful
• 2:50
  one.
• 2:50
  One
• 2:51
  that
• 2:51
  you're
• 2:51
  going
• 2:51
  to
• 2:51
  repeat,
• 2:52
  one
• 2:52
  that
• 2:52
  you
• 2:52
  can
• 2:53
  sustain,
• 2:53
  and
• 2:54
  one
• 2:54
  that
• 2:54
  you
• 2:54
  can
• 2:54
  live
• 2:55
  with.
• 2:56
  Let
• 2:56
  me
• 2:56
  say
• 2:56
  it
• 2:56
  plainly
• 2:57
  and
• 2:57
  boldly.
• 2:58
  Math
• 2:59
  doesn't
• 2:59
  matter
• 2:59
  if
• 2:59
  you
• 2:59
  quit.
• 3:00
  A
• 3:01
  plan
• 3:01
  that
• 3:01
  saves
• 3:01
  you
• 3:01
  the
• 3:02
  most
• 3:02
  money
• 3:02
  but
• 3:02
  crushes
• 3:03
  your
• 3:03
  motivation
• 3:04
  isn't
• 3:04
  wisdom.
• 3:04
  It's
• 3:05
  not
• 3:05
  going
• 3:05
  to
• 3:05
  work
• 3:05
  for
• 3:05
  you.
• 3:06
  It's
• 3:06
  just
• 3:06
  frustration.
• 3:07
  With
• 3:07
  extra
• 3:08
  steps,
• 3:08
  the
• 3:09
  best
• 3:09
  plan
• 3:09
  is
• 3:10
  the
• 3:10
  one
• 3:10
  you
• 3:10
  will
• 3:10
  actually
• 3:11
  follow.
• 3:12
  And
• 3:12
  over
• 3:12
  the
• 3:13
  years,
• 3:13
  I've
• 3:13
  watched
• 3:13
  people
• 3:13
  succeed
• 3:14
  with
• 3:14
  both
• 3:14
  methods,
• 3:15
  both
• 3:15
  of
• 3:15
  Them
• 3:15
  are
• 3:15
  fine.
• 3:16
  And.
• 3:16
  And
• 3:16
  I've
• 3:16
  watched
• 3:17
  people
• 3:17
  fail
• 3:17
  with
• 3:17
  both
• 3:18
  methods.
• 3:18
  Not
• 3:19
  because
• 3:19
  the
• 3:19
  plan
• 3:19
  was
• 3:20
  wrong,
• 3:20
  but
• 3:20
  because
• 3:21
  it
• 3:21
  didn't
• 3:21
  match
• 3:21
  their
• 3:22
  wiring
• 3:22
  or
• 3:23
  their
• 3:23
  motivation
• 3:24
  or
• 3:24
  their
• 3:24
  emotional
• 3:25
  needs.
• 3:26
  Freedom
• 3:27
  comes
• 3:27
  when
• 3:27
  the
• 3:27
  plan
• 3:28
  fits
• 3:28
  the
• 3:28
  person.
• 3:29
  And
• 3:29
  I
• 3:29
  remember
• 3:30
  one
• 3:30
  client
• 3:30
  clearly,
• 3:31
  he
• 3:31
  loved
• 3:32
  numbers.
• 3:32
  This
• 3:32
  dude
• 3:32
  loved
• 3:33
  numbers.
• 3:33
  He
• 3:33
  loved
• 3:33
  efficiency.
• 3:34
  He
• 3:34
  loved
• 3:35
  seeing
• 3:35
  those
• 3:35
  interest
• 3:35
  rates.
• 3:36
  So
• 3:36
  the
• 3:37
  avalanche
• 3:37
  method,
• 3:38
  it
• 3:38
  gave
• 3:38
  him
• 3:38
  confidence.
• 3:39
  Another
• 3:40
  client,
• 3:40
  she
• 3:41
  needed
• 3:41
  encouragement.
• 3:42
  She
• 3:42
  needed
• 3:42
  to
• 3:43
  see
• 3:43
  something
• 3:43
  disappear,
• 3:44
  to
• 3:44
  believe
• 3:44
  she
• 3:44
  could
• 3:44
  actually
• 3:45
  keep
• 3:45
  it
• 3:45
  going.
• 3:46
  Snowball
• 3:46
  method
• 3:47
  worked
• 3:47
  for
• 3:47
  her.
• 3:48
  Same
• 3:48
  goals,
• 3:49
  different
• 3:49
  paths.
• 3:50
  Both
• 3:50
  faithful.
• 3:52
  So
• 3:52
  here's
• 3:52
  today's
• 3:52
  gentle
• 3:53
  question.
• 3:53
  Which
• 3:54
  plan
• 3:54
  will
• 3:54
  keep
• 3:54
  you
• 3:55
  encouraged
• 3:55
  when
• 3:55
  progress
• 3:56
  feels
• 3:56
  slow
• 3:57
  and
• 3:57
  life
• 3:57
  gets
• 3:58
  messy
• 3:58
  and
• 3:58
  you're
• 3:59
  tempted
• 3:59
  to
• 3:59
  quit?
• 3:59
  I
• 4:00
  want
• 4:00
  to
• 4:00
  walk
• 4:00
  through
• 4:00
  the
• 4:01
  two
• 4:01
  options,
• 4:01
  and
• 4:01
  I'll
• 4:02
  help
• 4:02
  you
• 4:02
  choose
• 4:02
  in
• 4:02
  about
• 4:03
  60
• 4:03
  seconds.
• 4:04
  Here's
• 4:04
  number
• 4:05
  one.
• 4:05
  The
• 4:05
  debt
• 4:05
  snowball
• 4:06
  method
• 4:06
  builds
• 4:07
  momentum.
• 4:07
  That's
• 4:07
  what
• 4:07
  it
• 4:07
  does.
• 4:08
  Think
• 4:08
  about
• 4:08
  a
• 4:08
  snowball
• 4:09
  rolling
• 4:09
  downhill.
• 4:10
  With
• 4:10
  that
• 4:10
  snowball
• 4:11
  method,
• 4:11
  you
• 4:12
  pay
• 4:12
  off
• 4:12
  debts
• 4:12
  from
• 4:12
  smallest
• 4:13
  balance
• 4:13
  to
• 4:13
  largest,
• 4:14
  not
• 4:15
  because
• 4:15
  that's
• 4:15
  mathematically
• 4:16
  perfect,
• 4:16
  but
• 4:17
  because
• 4:17
  it's
• 4:17
  emotionally
• 4:18
  powerful.
• 4:18
  You
• 4:19
  pay
• 4:19
  off
• 4:19
  one
• 4:19
  small
• 4:19
  card
• 4:20
  and
• 4:20
  your
• 4:20
  brain
• 4:20
  goes,
• 4:20
  I
• 4:20
  can
• 4:21
  do
• 4:21
  this.
• 4:22
  That
• 4:22
  win
• 4:22
  builds
• 4:23
  confidence,
• 4:23
  and
• 4:24
  that
• 4:24
  confidence
• 4:24
  will
• 4:25
  fuel
• 4:25
  your
• 4:25
  consistency.
• 4:26
  Now
• 4:26
  let's
• 4:26
  talk
• 4:27
  about
• 4:27
  the
• 4:27
  avalanche
• 4:27
  method,
• 4:28
  because
• 4:28
  it's
• 4:29
  the
• 4:29
  one
• 4:29
  that
• 4:29
  maximizes
• 4:30
  efficiency.
• 4:31
  With
• 4:31
  the
• 4:31
  avalanche
• 4:32
  method,
• 4:32
  you
• 4:33
  focus
• 4:33
  on
• 4:33
  the
• 4:33
  highest
• 4:34
  interest
• 4:34
  rate
• 4:34
  first,
• 4:35
  which
• 4:35
  usually
• 4:36
  saves
• 4:36
  you
• 4:36
  more
• 4:36
  money
• 4:37
  over
• 4:37
  time.
• 4:38
  So
• 4:38
  if
• 4:38
  you're
• 4:38
  one
• 4:38
  of
• 4:38
  those
• 4:38
  people
• 4:39
  that
• 4:39
  interest
• 4:39
  makes
• 4:40
  you
• 4:40
  angry.
• 4:40
  If
• 4:41
  you
• 4:41
  want
• 4:41
  the
• 4:41
  most
• 4:41
  efficient
• 4:42
  route,
• 4:42
  and
• 4:43
  you
• 4:43
  can
• 4:43
  feel
• 4:43
  empowered
• 4:44
  by
• 4:44
  this,
• 4:44
  it
• 4:45
  rewards
• 4:45
  patience
• 4:46
  and
• 4:46
  discipline.
• 4:47
  Okay,
• 4:47
  Rob,
• 4:48
  but
• 4:48
  you're
• 4:48
  saying
• 4:48
  no.
• 4:49
  Wait
• 4:49
  a
• 4:49
  minute.
• 4:49
  I
• 4:49
  still
• 4:49
  don't
• 4:49
  understand.
• 4:50
  How
• 4:50
  do
• 4:50
  I
• 4:51
  choose?
• 4:51
  Here's
• 4:52
  how
• 4:52
  you
• 4:52
  choose.
• 4:52
  I
• 4:52
  want
• 4:52
  you
• 4:53
  to
• 4:53
  answer
• 4:53
  three
• 4:54
  questions
• 4:54
  honestly.
• 4:55
  Question
• 4:55
  number
• 4:56
  one.
• 4:56
  Do
• 4:57
  you
• 4:57
  need
• 4:57
  quick
• 4:57
  wins
• 4:58
  to
• 4:58
  stay
• 4:58
  motivated?
• 4:59
  If
• 4:59
  you're
• 4:59
  one
• 5:00
  of
• 5:00
  those
• 5:00
  people
• 5:00
  that
• 5:00
  needs
• 5:00
  quick
• 5:01
  wins,
• 5:01
  guess
• 5:01
  what.
• 5:02
  Snowball
• 5:02
  works
• 5:02
  for
• 5:02
  you.
• 5:03
  Second
• 5:04
  question.
• 5:04
  Does
• 5:05
  paying
• 5:05
  interest
• 5:05
  feel
• 5:06
  like
• 5:06
  it's
• 5:06
  stealing
• 5:07
  from
• 5:07
  you?
• 5:07
  If
• 5:07
  you're
• 5:08
  saying,
• 5:08
  yo,
• 5:08
  I
• 5:08
  hate
• 5:09
  paying
• 5:09
  interest,
• 5:09
  guess
• 5:10
  what
• 5:10
  avalanche
• 5:11
  is
• 5:11
  best
• 5:11
  for
• 5:11
  you?
• 5:12
  Question
• 5:13
  number
• 5:13
  three,
• 5:14
  and
• 5:14
  this
• 5:14
  is
• 5:14
  a
• 5:14
  harder
• 5:15
  question,
• 5:15
  when
• 5:16
  you
• 5:16
  get
• 5:16
  discouraged,
• 5:17
  what
• 5:17
  helps
• 5:17
  you
• 5:17
  more?
• 5:18
  Seeing
• 5:18
  a
• 5:18
  balance
• 5:19
  disappear
• 5:19
  or
• 5:20
  knowing
• 5:20
  you're
• 5:20
  saving
• 5:21
  the
• 5:21
  most
• 5:21
  money?
• 5:22
  If
• 5:22
  you're
• 5:22
  one
• 5:22
  of
• 5:22
  those
• 5:22
  people
• 5:22
  that
• 5:23
  wants
• 5:23
  to
• 5:23
  see
• 5:23
  that
• 5:23
  balance
• 5:24
  disappear,
• 5:24
  take
• 5:24
  the
• 5:25
  snowball
• 5:25
  method.
• 5:25
  If
• 5:26
  you're
• 5:26
  one
• 5:26
  of
• 5:26
  those
• 5:26
  folks
• 5:26
  that
• 5:27
  wants
• 5:27
  to
• 5:27
  see
• 5:27
  saving
• 5:27
  more,
• 5:28
  take
• 5:28
  the
• 5:28
  avalanche
• 5:29
  method.
• 5:30
  That's
• 5:30
  it.
• 5:30
  It's
• 5:30
  not
• 5:30
  some
• 5:30
  big
• 5:31
  personality
• 5:31
  test.
• 5:32
  It's
• 5:32
  a
• 5:32
  consistencies
• 5:33
  test.
• 5:34
  But
• 5:34
  I
• 5:34
  want
• 5:35
  you
• 5:35
  to
• 5:35
  hear
• 5:35
  this.
• 5:35
  God
• 5:36
  honors
• 5:36
  diligence,
• 5:37
  not
• 5:37
  comparison.
• 5:38
  You
• 5:38
  don't
• 5:38
  need
• 5:39
  the
• 5:39
  best
• 5:39
  plan.
• 5:39
  I
• 5:39
  Get
• 5:40
  so
• 5:40
  annoyed
• 5:40
  when
• 5:40
  he's
• 5:41
  like,
• 5:41
  well,
• 5:41
  this
• 5:41
  plan
• 5:41
  is
• 5:42
  better
• 5:42
  than
• 5:42
  this
• 5:42
  plan,
• 5:42
  or
• 5:42
  this
• 5:43
  plan
• 5:43
  is
• 5:43
  better
• 5:43
  than
• 5:43
  this
• 5:43
  plan.
• 5:44
  You
• 5:44
  need
• 5:44
  your
• 5:44
  plan.
• 5:45
  God
• 5:46
  honors
• 5:46
  steady
• 5:47
  obedience,
• 5:47
  not
• 5:48
  some
• 5:48
  flashy
• 5:48
  strategy.
• 5:50
  And
• 5:50
  friend,
• 5:50
  choosing
• 5:51
  a
• 5:51
  plan
• 5:51
  and
• 5:51
  repeating
• 5:52
  it
• 5:52
  is
• 5:52
  actually
• 5:53
  the
• 5:53
  act
• 5:53
  of
• 5:54
  wisdom
• 5:54
  right
• 5:54
  there.
• 5:55
  Proverbs
• 5:55
  21:5
• 5:56
  says
• 5:56
  it
• 5:56
  all.
• 5:57
  The
• 5:57
  plans
• 5:57
  of
• 5:57
  the
• 5:58
  diligent
• 5:58
  lead
• 5:59
  to
• 5:59
  profit
• 5:59
  as
• 6:00
  surely
• 6:00
  as
• 6:00
  haste
• 6:01
  leads
• 6:01
  to
• 6:02
  poverty.
• 6:03
  Not
• 6:03
  rushed
• 6:04
  plans,
• 6:04
  not
• 6:04
  borrowed
• 6:05
  plans.
• 6:05
  Diligent
• 6:06
  plans
• 6:06
  that
• 6:06
  work
• 6:07
  for
• 6:07
  you.
• 6:08
  Lord,
• 6:08
  thank
• 6:09
  you
• 6:09
  for
• 6:09
  giving
• 6:09
  us
• 6:10
  wisdom
• 6:10
  and
• 6:10
  freedom
• 6:11
  to
• 6:11
  choose.
• 6:11
  Help
• 6:12
  us
• 6:12
  select
• 6:12
  a
• 6:12
  plan
• 6:13
  that
• 6:13
  fits
• 6:13
  our
• 6:13
  lives
• 6:13
  and
• 6:14
  fits
• 6:14
  our
• 6:14
  hearts.
• 6:15
  Give
• 6:15
  us
• 6:15
  diligence,
• 6:16
  not
• 6:16
  perfection,
• 6:17
  and
• 6:17
  strengthen
• 6:18
  us
• 6:18
  to
• 6:18
  stay
• 6:18
  the
• 6:18
  course
• 6:19
  when
• 6:19
  we
• 6:19
  feel
• 6:19
  like
• 6:19
  we
• 6:20
  can't
• 6:20
  do
• 6:20
  it.
• 6:20
  And
• 6:21
  we
• 6:21
  ask
• 6:21
  this
• 6:21
  in
• 6:21
  Jesus
• 6:22
  name,
• 6:23
  Amen.
• 6:24
  Here's
• 6:24
  today's
• 6:25
  step.
• 6:25
  I
• 6:25
  want
• 6:26
  you
• 6:26
  to
• 6:26
  choose
• 6:26
  your
• 6:26
  plan,
• 6:27
  whether
• 6:27
  it
• 6:27
  be
• 6:27
  snowball
• 6:28
  or
• 6:29
  avalanche.
• 6:30
  And
• 6:30
  then
• 6:30
  I
• 6:30
  want
• 6:30
  you
• 6:30
  to
• 6:31
  do
• 6:31
  this
• 6:31
  next.
• 6:31
  Write
• 6:32
  down
• 6:32
  your
• 6:32
  first
• 6:32
  target
• 6:33
  debt.
• 6:34
  And
• 6:34
  then
• 6:34
  write
• 6:34
  the
• 6:34
  extra
• 6:35
  amount
• 6:35
  you
• 6:35
  can
• 6:35
  send
• 6:35
  each
• 6:36
  month.
• 6:36
  Hey,
• 6:36
  even
• 6:36
  if
• 6:36
  it's
• 6:37
  25
• 6:37
  bucks.
• 6:38
  And
• 6:38
  pick
• 6:38
  a
• 6:39
  start
• 6:39
  date.
• 6:39
  I
• 6:40
  want
• 6:40
  you
• 6:40
  to
• 6:40
  pick
• 6:40
  that
• 6:40
  today,
• 6:41
  not
• 6:41
  someday.
• 6:41
  Because,
• 6:42
  see,
• 6:42
  you
• 6:42
  got
• 6:42
  to
• 6:42
  start
• 6:43
  somewhere.
• 6:43
  Because
• 6:44
  that
• 6:44
  clarity
• 6:44
  will
• 6:45
  actually
• 6:45
  create
• 6:45
  the
• 6:45
  momentum.
• 6:47
  And
• 6:47
  friend,
• 6:47
  choosing
• 6:47
  a
• 6:48
  plan
• 6:48
  alone
• 6:48
  can
• 6:48
  feel
• 6:49
  heavy.
• 6:49
  You,
• 6:49
  you
• 6:49
  might
• 6:49
  already
• 6:49
  be
• 6:50
  feeling
• 6:50
  that.
• 6:50
  Raph,
• 6:50
  I
• 6:50
  still
• 6:50
  don't
• 6:51
  know
• 6:51
  what
• 6:51
  to
• 6:51
  do.
• 6:51
  Well,
• 6:51
  I'm
• 6:52
  going
• 6:52
  to
• 6:52
  encourage
• 6:52
  you.
• 6:52
  Come
• 6:52
  inside
• 6:53
  the
• 6:53
  financially
• 6:54
  confident
• 6:54
  Christian
• 6:54
  community
• 6:55
  because
• 6:55
  people
• 6:55
  there
• 6:55
  say
• 6:56
  I
• 6:56
  didn't
• 6:56
  just
• 6:56
  get
• 6:57
  advice.
• 6:57
  I've
• 6:57
  got
• 6:57
  encouragement
• 6:58
  to
• 6:58
  keep
• 6:59
  going.
• 6:59
  It's
• 7:00
  a
• 7:00
  place
• 7:00
  where
• 7:00
  progress
• 7:01
  is
• 7:01
  celebrated
• 7:02
  and
• 7:02
  setbacks
• 7:03
  are
• 7:03
  met
• 7:03
  with
• 7:03
  grace.
• 7:04
  I'm
• 7:04
  going
• 7:04
  to
• 7:04
  encourage
• 7:04
  you
• 7:04
  to
• 7:05
  go
• 7:05
  there
• 7:05
  today.
• 7:05
  Financiallyconfidentchristian.com/join
• 7:09
  again.
• 7:10
  That's
• 7:10
  financiallyconfidentchristian.com/join.
• 7:13
  You're
• 7:14
  welcome
• 7:14
  anytime.
• 7:15
  Let
• 7:15
  me
• 7:15
  leave
• 7:16
  you
• 7:16
  with
• 7:16
  this.
• 7:17
  You
• 7:17
  don't
• 7:18
  need
• 7:18
  to
• 7:18
  be
• 7:18
  perfect.
• 7:19
  You
• 7:19
  just
• 7:19
  got
• 7:20
  to
• 7:20
  get
• 7:20
  started,
• 7:21
  choose
• 7:21
  a
• 7:22
  plan,
• 7:22
  take
• 7:22
  the
• 7:22
  next
• 7:23
  step,
• 7:23
  and
• 7:23
  then
• 7:23
  keep
• 7:24
  going.
• 7:24
  Now,
• 7:24
  tomorrow
• 7:25
  we're
• 7:25
  going
• 7:25
  to
• 7:25
  talk
• 7:25
  about
• 7:25
  how
• 7:25
  to
• 7:26
  stay
• 7:26
  motivated
• 7:26
  when
• 7:27
  debt
• 7:27
  payoff
• 7:27
  feels
• 7:28
  slow.
• 7:28
  Because
• 7:28
  trust
• 7:28
  me,
• 7:29
  sometimes
• 7:29
  it
• 7:29
  feels
• 7:30
  like
• 7:30
  you're
• 7:30
  not
• 7:30
  getting
• 7:30
  anywhere.
• 7:31
  That's
• 7:32
  what
• 7:32
  we're
• 7:32
  going
• 7:32
  to
• 7:32
  cover
• 7:32
  on
• 7:32
  tomorrow's
• 7:33
  show.
• 7:33
  But
• 7:33
  today
• 7:34
  I
• 7:34
  want
• 7:34
  you
• 7:34
  to
• 7:34
  go
• 7:34
  out
• 7:34
  there
• 7:35
  and
• 7:35
  be
• 7:35
  a
• 7:36
  financially
• 7:36
  confident
• 7:36
  Christian.
• 7:37
  Have
• 7:37
  confidence
• 7:38
  in
• 7:38
  yourself.
• 7:38
  You
• 7:38
  can
• 7:38
  do
• 7:39
  this.
• 7:39
  I
• 7:39
  believe
• 7:39
  in
• 7:39
  you.
• 7:40
  Stay
• 7:40
  financially
• 7:41
  savvy.
• 7:41
  God
• 7:42
  bless
• 7:42
  you,
• 7:42
  and
• 7:42
  I'll
• 7:42
  see
• 7:43
  you
• 7:43
  again
• 7:43
  on
• 7:43
  tomorrow's
• 7:43
  show.