Latest / Becoming Financially Confident / Am I Trapped in Emotional Spending?

Transcript

Am I Trapped in Emotional Spending? · Becoming Financially Confident

• 0:37
  Thought
• 0:38
  I'd
• 0:38
  start
• 0:38
  with
• 0:38
  some
• 0:38
  statistics
• 0:39
  today.
• 0:39
  Listen
• 0:40
  to
• 0:40
  this
• 0:40
  one.
• 0:41
  63%
• 0:42
  of
• 0:42
  Americans
• 0:42
  admit
• 0:43
  they've
• 0:43
  made
• 0:43
  emotional
• 0:44
  purchases.
• 0:45
  It
• 0:45
  was
• 0:45
  how
• 0:45
  they
• 0:46
  felt.
• 0:47
  And
• 0:47
  those
• 0:47
  who
• 0:47
  emotionally
• 0:48
  spend.
• 0:48
  Listen
• 0:48
  to
• 0:48
  this
• 0:48
  one.
• 0:48
  Three
• 0:49
  quarters
• 0:49
  said
• 0:49
  it
• 0:49
  leads
• 0:50
  to
• 0:50
  overspending.
• 0:52
  And
• 0:52
  nearly
• 0:52
  4
• 0:53
  in
• 0:53
  10,
• 0:54
  40%
• 0:55
  say
• 0:55
  it's
• 0:55
  even
• 0:56
  caused
• 0:56
  debt
• 0:56
  or
• 0:57
  financial
• 0:57
  strain.
• 0:58
  They
• 0:58
  may
• 0:58
  be
• 0:58
  saying,
• 0:58
  okay,
• 0:59
  Ralph,
• 0:59
  what
• 0:59
  are
• 0:59
  the
• 1:00
  most
• 1:00
  common
• 1:00
  emotional
• 1:01
  triggers?
• 1:01
  We're
• 1:01
  gonna
• 1:01
  talk
• 1:01
  about
• 1:02
  all
• 1:02
  this
• 1:02
  on
• 1:02
  today's
• 1:02
  show.
• 1:03
  But
• 1:03
  the
• 1:03
  most
• 1:03
  common
• 1:04
  one,
• 1:04
  stress
• 1:05
  is
• 1:05
  the
• 1:05
  number
• 1:05
  one
• 1:05
  at
• 1:06
  50%,
• 1:07
  excitement
• 1:08
  number
• 1:08
  two
• 1:08
  at
• 1:08
  44%.
• 1:09
  And
• 1:10
  hey,
• 1:10
  happiness
• 1:11
  at
• 1:11
  38%.
• 1:13
  And
• 1:13
  emotional
• 1:13
  spending
• 1:14
  isn't
• 1:14
  just
• 1:14
  about
• 1:14
  sadness.
• 1:15
  A
• 1:15
  lot
• 1:15
  of
• 1:15
  people
• 1:15
  think,
• 1:16
  well,
• 1:16
  it's
• 1:16
  only
• 1:16
  when
• 1:16
  I'm
• 1:16
  feeling
• 1:17
  sad.
• 1:18
  But
• 1:18
  it's
• 1:18
  also
• 1:18
  about
• 1:19
  chasing
• 1:19
  those
• 1:19
  positive
• 1:20
  feelings.
• 1:20
  Which
• 1:20
  leads
• 1:21
  us
• 1:21
  to
• 1:21
  today's
• 1:22
  listener
• 1:22
  question.
• 1:23
  Ralph,
• 1:23
  I
• 1:23
  always
• 1:24
  promise
• 1:24
  myself
• 1:25
  I'll
• 1:25
  spend
• 1:25
  less
• 1:25
  at
• 1:26
  Christmas,
• 1:26
  but
• 1:27
  then
• 1:27
  I
• 1:27
  get
• 1:27
  stressed
• 1:27
  or
• 1:28
  I
• 1:28
  get
• 1:28
  lonely
• 1:29
  and
• 1:29
  end
• 1:29
  up
• 1:29
  buying
• 1:29
  stuff
• 1:29
  I
• 1:30
  don't
• 1:30
  even
• 1:30
  need.
• 1:31
  Why
• 1:31
  do
• 1:32
  I
• 1:32
  do
• 1:32
  that?
• 1:33
  But
• 1:33
  more
• 1:33
  importantly,
• 1:34
  Ralph,
• 1:34
  how
• 1:34
  do
• 1:35
  I
• 1:35
  break
• 1:35
  that
• 1:35
  cycle
• 1:36
  of
• 1:36
  emotional
• 1:36
  spending?
• 1:37
  Hey,
• 1:38
  the
• 1:38
  truth
• 1:38
  is,
• 1:38
  holiday
• 1:39
  overspending
• 1:39
  usually
• 1:40
  isn't
• 1:40
  a
• 1:40
  math
• 1:41
  problem.
• 1:41
  If
• 1:41
  it
• 1:41
  was,
• 1:41
  we
• 1:41
  could
• 1:42
  make
• 1:42
  a
• 1:42
  simple
• 1:42
  fix
• 1:42
  of
• 1:43
  it.
• 1:43
  Most
• 1:43
  of
• 1:43
  the
• 1:44
  time,
• 1:44
  it's
• 1:44
  an
• 1:44
  emotional
• 1:45
  problem.
• 1:45
  We
• 1:46
  don't
• 1:46
  just
• 1:46
  buy
• 1:46
  gifts,
• 1:47
  we
• 1:47
  buy
• 1:47
  comfort,
• 1:48
  we
• 1:48
  buy
• 1:48
  approval
• 1:49
  and
• 1:49
  we
• 1:50
  buy
• 1:50
  escape.
• 1:50
  That's
• 1:50
  what
• 1:50
  we're
• 1:51
  going
• 1:51
  to
• 1:51
  cover
• 1:51
  on
• 1:51
  today's
• 1:52
  show.
• 1:54
  This
• 1:54
  is
• 1:54
  Financially
• 1:55
  Confident
• 1:55
  Christian.
• 1:56
  Your
• 1:56
  daily
• 1:57
  dose
• 1:57
  of
• 1:57
  gospel,
• 1:57
  grounded
• 1:58
  insight
• 1:58
  and
• 1:58
  faith
• 1:59
  driven
• 1:59
  tips
• 2:00
  help
• 2:00
  you
• 2:00
  break
• 2:01
  the
• 2:01
  cycle
• 2:01
  of
• 2:01
  financial
• 2:02
  shame
• 2:02
  with
• 2:02
  confidence.
• 2:05
  Welcome
• 2:06
  to
• 2:06
  the
• 2:06
  show.
• 2:06
  I'm
• 2:06
  Ralph.
• 2:07
  I
• 2:07
  appreciate
• 2:07
  you
• 2:08
  joining
• 2:08
  me
• 2:08
  today
• 2:08
  as
• 2:08
  we
• 2:09
  continue
• 2:09
  to
• 2:09
  break
• 2:09
  that
• 2:10
  cycle
• 2:10
  of
• 2:11
  financial
• 2:11
  shame
• 2:11
  and
• 2:11
  do
• 2:12
  it
• 2:12
  with
• 2:12
  confidence.
• 2:12
  We're
• 2:12
  continuing
• 2:13
  in
• 2:13
  our
• 2:14
  Getting
• 2:14
  through
• 2:14
  the
• 2:14
  Holidays
• 2:15
  Without
• 2:15
  Going
• 2:15
  Broke
• 2:16
  series.
• 2:17
  And
• 2:17
  truth
• 2:17
  is,
• 2:17
  I've
• 2:18
  seen
• 2:18
  how
• 2:19
  many
• 2:19
  times
• 2:20
  these
• 2:20
  emotions
• 2:21
  can
• 2:21
  wreck
• 2:21
  more
• 2:21
  budgets
• 2:22
  than
• 2:22
  just
• 2:22
  bad
• 2:22
  math.
• 2:23
  And
• 2:23
  I
• 2:24
  felt
• 2:24
  that
• 2:24
  same
• 2:24
  pool
• 2:24
  myself.
• 2:25
  You
• 2:25
  might
• 2:25
  be
• 2:25
  listening
• 2:25
  right
• 2:25
  now.
• 2:25
  You're
• 2:26
  like,
• 2:26
  ralph,
• 2:26
  this,
• 2:26
  this
• 2:26
  episode's
• 2:27
  for
• 2:27
  me,
• 2:27
  man.
• 2:27
  I'm
• 2:28
  feeling
• 2:28
  that
• 2:28
  right
• 2:28
  now.
• 2:29
  I
• 2:29
  don't
• 2:29
  know
• 2:30
  how
• 2:30
  many
• 2:30
  times
• 2:30
  I've
• 2:31
  been
• 2:31
  buying
• 2:31
  stuff
• 2:32
  to
• 2:32
  feel
• 2:32
  better.
• 2:33
  Not
• 2:33
  because
• 2:33
  I
• 2:33
  really
• 2:33
  needed
• 2:34
  anything,
• 2:35
  just
• 2:35
  because
• 2:35
  I
• 2:35
  wanted
• 2:36
  that
• 2:36
  emotional
• 2:36
  high
• 2:37
  from
• 2:37
  that.
• 2:37
  Now
• 2:37
  I'm
• 2:38
  a
• 2:38
  tax
• 2:38
  guy.
• 2:38
  Tax
• 2:38
  season
• 2:39
  is
• 2:39
  my
• 2:39
  main
• 2:39
  job.
• 2:40
  And
• 2:40
  I
• 2:40
  remember
• 2:40
  one
• 2:41
  tax
• 2:41
  season
• 2:41
  now.
• 2:41
  Tax
• 2:42
  season
• 2:42
  is
• 2:42
  excruciating.
• 2:43
  I
• 2:43
  mean,
• 2:43
  talking
• 2:43
  about
• 2:44
  long
• 2:44
  hours,
• 2:45
  deadlines
• 2:45
  out
• 2:45
  there
• 2:46
  wazoo.
• 2:46
  I
• 2:46
  remember
• 2:47
  after
• 2:47
  once
• 2:47
  listen
• 2:48
  to
• 2:48
  this,
• 2:48
  you're
• 2:48
  not
• 2:48
  going
• 2:48
  to
• 2:48
  believe
• 2:48
  this.
• 2:49
  I
• 2:49
  bought
• 2:50
  myself
• 2:50
  a
• 2:50
  new
• 2:51
  suv.
• 2:51
  Hey,
• 2:52
  talk
• 2:52
  about
• 2:52
  a
• 2:52
  big
• 2:52
  monthly
• 2:53
  payment.
• 2:54
  Yeah,
• 2:54
  it
• 2:54
  didn't
• 2:54
  ease
• 2:54
  my
• 2:54
  stress
• 2:55
  though.
• 2:55
  What
• 2:55
  it
• 2:55
  did
• 2:55
  was
• 2:56
  just
• 2:56
  added
• 2:56
  guilt.
• 2:57
  Now,
• 2:57
  I
• 2:57
  could
• 2:58
  rationalize
• 2:58
  that.
• 2:58
  I
• 2:58
  said,
• 2:58
  well,
• 2:59
  that's
• 2:59
  my
• 2:59
  big
• 2:59
  reward
• 3:00
  after
• 3:00
  a
• 3:00
  tough
• 3:00
  tax
• 3:01
  season,
• 3:01
  working
• 3:02
  those
• 3:02
  long
• 3:02
  hours
• 3:03
  and
• 3:03
  those
• 3:03
  tight
• 3:04
  deadlines.
• 3:04
  And
• 3:04
  sure,
• 3:04
  I
• 3:04
  had
• 3:05
  made
• 3:05
  some
• 3:05
  money
• 3:05
  doing
• 3:05
  it,
• 3:06
  but
• 3:06
  what
• 3:07
  I
• 3:07
  didn't
• 3:07
  realize
• 3:07
  at
• 3:07
  the
• 3:08
  time
• 3:08
  is
• 3:08
  what
• 3:08
  I
• 3:08
  was
• 3:08
  really
• 3:09
  dealing
• 3:09
  with
• 3:09
  was
• 3:10
  this
• 3:10
  emotional
• 3:11
  buildup
• 3:12
  over
• 3:12
  the
• 3:12
  days
• 3:13
  and
• 3:13
  the
• 3:13
  weeks
• 3:13
  and
• 3:14
  the
• 3:14
  months
• 3:14
  of
• 3:14
  tax
• 3:14
  season.
• 3:15
  And
• 3:16
  this
• 3:16
  purchase,
• 3:17
  it
• 3:17
  was
• 3:17
  like
• 3:17
  buying
• 3:18
  an
• 3:18
  escape.
• 3:19
  And
• 3:19
  I
• 3:19
  love
• 3:19
  what
• 3:19
  this
• 3:20
  behavioral
• 3:20
  economist,
• 3:21
  Dr.
• 3:21
  Daniel
• 3:22
  Kahneman
• 3:22
  said.
• 3:22
  He
• 3:23
  said
• 3:23
  spending
• 3:23
  often
• 3:24
  follows
• 3:24
  emotion,
• 3:25
  not
• 3:25
  reason.
• 3:26
  Now,
• 3:26
  we
• 3:26
  can
• 3:26
  park
• 3:26
  there
• 3:27
  for
• 3:27
  a
• 3:27
  little
• 3:27
  bit,
• 3:27
  think
• 3:27
  about
• 3:28
  what
• 3:28
  he's
• 3:28
  saying
• 3:28
  there.
• 3:29
  It's
• 3:29
  following
• 3:30
  emotion,
• 3:31
  not
• 3:31
  reason.
• 3:32
  So
• 3:32
  today
• 3:33
  on
• 3:33
  the
• 3:33
  show,
• 3:33
  let's
• 3:33
  talk
• 3:33
  about
• 3:33
  how
• 3:34
  to
• 3:34
  break
• 3:34
  that
• 3:34
  cycle
• 3:35
  of
• 3:35
  emotional
• 3:36
  spending.
• 3:36
  I've
• 3:36
  got
• 3:36
  five
• 3:37
  points
• 3:37
  to
• 3:37
  cover
• 3:37
  today,
• 3:38
  which
• 3:38
  are
• 3:38
  really
• 3:38
  going
• 3:38
  to
• 3:39
  help
• 3:39
  you
• 3:39
  break
• 3:39
  that
• 3:39
  cycle
• 3:40
  of
• 3:40
  emotional
• 3:41
  spending.
• 3:41
  Number
• 3:42
  one
• 3:42
  thing,
• 3:42
  we
• 3:42
  got
• 3:42
  to
• 3:42
  start
• 3:43
  here.
• 3:43
  You
• 3:44
  got
• 3:44
  to
• 3:44
  recognize
• 3:44
  your
• 3:45
  triggers.
• 3:46
  This
• 3:46
  is
• 3:46
  the
• 3:46
  key.
• 3:46
  This
• 3:46
  is
• 3:47
  the
• 3:47
  secret
• 3:47
  sauce
• 3:47
  of
• 3:47
  this
• 3:48
  today.
• 3:48
  What
• 3:49
  are
• 3:49
  your
• 3:49
  emotional
• 3:49
  triggers?
• 3:50
  Is
• 3:50
  it
• 3:50
  loneliness?
• 3:51
  Is
• 3:51
  it
• 3:52
  comparison?
• 3:52
  Hey,
• 3:52
  social
• 3:53
  media
• 3:53
  have
• 3:53
  you
• 3:53
  comparing
• 3:54
  to
• 3:54
  everybody.
• 3:55
  For
• 3:55
  a
• 3:55
  lot
• 3:55
  of
• 3:55
  people,
• 3:56
  it's
• 3:56
  nostalgia.
• 3:57
  Oh,
• 3:57
  I
• 3:57
  remember
• 3:57
  when
• 3:58
  we
• 3:58
  buy
• 3:58
  those
• 3:59
  things
• 3:59
  because,
• 3:59
  oh,
• 4:00
  I
• 4:00
  remember
• 4:00
  when
• 4:01
  and
• 4:01
  when
• 4:02
  we
• 4:02
  feel
• 4:02
  those
• 4:02
  emotions,
• 4:03
  those
• 4:03
  triggers,
• 4:04
  it
• 4:04
  makes
• 4:04
  us
• 4:05
  reach
• 4:05
  for
• 4:05
  a
• 4:05
  while.
• 4:05
  So
• 4:06
  that's
• 4:06
  the
• 4:06
  first
• 4:06
  thing.
• 4:06
  Understand
• 4:07
  your
• 4:07
  triggers.
• 4:08
  Second
• 4:08
  thing
• 4:08
  I'm
• 4:09
  going
• 4:09
  to
• 4:09
  encourage
• 4:09
  you
• 4:09
  to
• 4:09
  do
• 4:10
  is
• 4:10
  name
• 4:10
  the
• 4:11
  feeling.
• 4:11
  A
• 4:11
  lot
• 4:11
  of
• 4:11
  people
• 4:11
  don't
• 4:12
  think
• 4:12
  about
• 4:12
  this,
• 4:13
  but
• 4:13
  when
• 4:13
  you're
• 4:13
  feeling
• 4:14
  those
• 4:14
  things,
• 4:14
  hey,
• 4:15
  listen,
• 4:15
  you
• 4:15
  might
• 4:15
  be.
• 4:15
  People
• 4:16
  might
• 4:16
  think
• 4:16
  you're
• 4:16
  crazy
• 4:16
  because
• 4:17
  you're
• 4:17
  talking
• 4:17
  to
• 4:17
  yourself,
• 4:18
  but
• 4:18
  I
• 4:18
  firmly
• 4:18
  believe
• 4:19
  in
• 4:19
  this.
• 4:19
  Say
• 4:20
  things
• 4:20
  like,
• 4:20
  I'm
• 4:20
  anxious,
• 4:22
  I'm
• 4:22
  tired.
• 4:23
  Because
• 4:23
  when
• 4:24
  you
• 4:24
  acknowledge
• 4:24
  those
• 4:25
  things,
• 4:25
  hey,
• 4:25
  they
• 4:25
  say
• 4:25
  all
• 4:25
  the
• 4:26
  time,
• 4:26
  acknowledgement
• 4:27
  is
• 4:27
  99%
• 4:28
  of
• 4:28
  the
• 4:28
  battle.
• 4:29
  When
• 4:29
  you
• 4:29
  acknowledge
• 4:30
  it,
• 4:30
  it
• 4:30
  weakens
• 4:31
  its
• 4:31
  control
• 4:31
  over
• 4:31
  you.
• 4:32
  So
• 4:32
  that's
• 4:32
  number
• 4:32
  two.
• 4:33
  Number
• 4:33
  three,
• 4:34
  here's
• 4:35
  a
• 4:35
  good
• 4:35
  one
• 4:35
  for
• 4:35
  you
• 4:35
  today.
• 4:36
  Substitute
• 4:37
  gratitude.
• 4:38
  When
• 4:38
  you're
• 4:39
  thinking
• 4:39
  about
• 4:39
  buying
• 4:39
  something.
• 4:41
  Stop.
• 4:41
  Stop
• 4:42
  for
• 4:42
  a
• 4:42
  second.
• 4:42
  Just
• 4:42
  say,
• 4:42
  you
• 4:42
  know
• 4:42
  what,
• 4:43
  Ralph?
• 4:43
  There's
• 4:43
  three
• 4:43
  blessings
• 4:44
  that
• 4:44
  I
• 4:44
  could,
• 4:45
  that
• 4:45
  I
• 4:45
  could
• 4:45
  really
• 4:45
  embrace
• 4:46
  before
• 4:46
  I
• 4:46
  buy
• 4:47
  something.
• 4:48
  And
• 4:48
  let
• 4:48
  me
• 4:48
  tell
• 4:48
  you
• 4:48
  right
• 4:49
  now,
• 4:49
  look
• 4:49
  for
• 4:49
  contentment,
• 4:49
  because
• 4:50
  it
• 4:50
  works.
• 4:51
  When
• 4:51
  you
• 4:51
  feel
• 4:51
  gratitude
• 4:52
  about
• 4:52
  something,
• 4:53
  it
• 4:53
  really
• 4:54
  completely
• 4:54
  shuts
• 4:55
  down
• 4:55
  that
• 4:55
  impulse.
• 4:55
  So
• 4:56
  that's
• 4:56
  number
• 4:56
  three
• 4:57
  is
• 4:57
  substitute
• 4:58
  gratitude.
• 4:58
  Number
• 4:58
  four.
• 4:59
  I
• 4:59
  call
• 5:00
  this
• 5:00
  the
• 5:00
  pause,
• 5:00
  the
• 5:01
  big
• 5:01
  pause.
• 5:02
  Delay
• 5:03
  that
• 5:03
  purchase.
• 5:04
  If
• 5:05
  you're
• 5:05
  shopping
• 5:05
  online,
• 5:05
  put
• 5:06
  it
• 5:06
  in
• 5:06
  that
• 5:06
  cart
• 5:06
  and
• 5:06
  let
• 5:07
  it
• 5:07
  simmer
• 5:07
  for
• 5:07
  24
• 5:08
  hours.
• 5:09
  You
• 5:09
  don't
• 5:09
  know
• 5:09
  how
• 5:09
  many
• 5:10
  times
• 5:10
  I've
• 5:10
  done
• 5:10
  this
• 5:10
  myself.
• 5:11
  You
• 5:11
  might
• 5:11
  be
• 5:11
  listening
• 5:11
  right
• 5:11
  now.
• 5:11
  Saying,
• 5:12
  ralph,
• 5:12
  it
• 5:12
  works
• 5:12
  great.
• 5:12
  I'm
• 5:13
  gonna
• 5:13
  try
• 5:13
  that
• 5:13
  again.
• 5:13
  But
• 5:13
  for
• 5:13
  me,
• 5:14
  Ralph,
• 5:14
  I
• 5:14
  gotta
• 5:15
  do
• 5:15
  48
• 5:15
  hours,
• 5:16
  because
• 5:16
  overnight
• 5:16
  just
• 5:17
  isn't
• 5:17
  enough.
• 5:18
  Maybe
• 5:18
  for
• 5:18
  you,
• 5:18
  it's
• 5:18
  a
• 5:19
  week.
• 5:19
  But
• 5:20
  then
• 5:20
  ask
• 5:20
  yourself,
• 5:20
  do
• 5:21
  you
• 5:21
  still
• 5:21
  want
• 5:21
  that
• 5:22
  after
• 5:22
  that
• 5:22
  pause
• 5:23
  period?
• 5:23
  Maybe
• 5:24
  you
• 5:24
  do.
• 5:24
  Maybe
• 5:24
  you
• 5:24
  go
• 5:24
  buy
• 5:25
  it.
• 5:25
  Hey,
• 5:25
  then
• 5:26
  it's
• 5:26
  a
• 5:26
  good
• 5:26
  decision,
• 5:26
  right?
• 5:27
  And
• 5:27
  I've
• 5:27
  talked
• 5:28
  about
• 5:28
  that
• 5:28
  on
• 5:28
  the
• 5:28
  show
• 5:28
  many
• 5:29
  times.
• 5:29
  But
• 5:29
  that's
• 5:29
  one
• 5:29
  of
• 5:29
  the
• 5:30
  things
• 5:30
  that
• 5:30
  you
• 5:30
  can
• 5:30
  really
• 5:31
  listen.
• 5:31
  I've
• 5:31
  had
• 5:31
  clients
• 5:32
  tell
• 5:32
  me
• 5:32
  and
• 5:32
  people
• 5:32
  listening
• 5:33
  to
• 5:33
  the
• 5:33
  show
• 5:33
  say
• 5:33
  to
• 5:33
  me,
• 5:33
  Ralph,
• 5:34
  this
• 5:34
  pause
• 5:35
  works
• 5:35
  great.
• 5:35
  I'm
• 5:36
  encouraging
• 5:36
  you
• 5:36
  to
• 5:36
  do
• 5:36
  that.
• 5:37
  And
• 5:37
  finally,
• 5:38
  number
• 5:38
  five,
• 5:38
  and
• 5:38
  I
• 5:38
  probably
• 5:38
  should
• 5:39
  have
• 5:39
  put
• 5:39
  this
• 5:39
  one
• 5:39
  first.
• 5:39
  That
• 5:40
  Abby's
• 5:40
  nodding
• 5:40
  her
• 5:40
  head.
• 5:41
  She's
• 5:41
  like,
• 5:41
  you
• 5:41
  should
• 5:41
  put
• 5:42
  this
• 5:42
  one
• 5:42
  first.
• 5:43
  Pray
• 5:43
  first.
• 5:44
  Sometimes
• 5:45
  a
• 5:45
  simple
• 5:46
  prayer.
• 5:47
  Just
• 5:47
  ask
• 5:48
  God
• 5:48
  for
• 5:48
  wisdom
• 5:48
  in
• 5:49
  your
• 5:49
  decision.
• 5:49
  If
• 5:49
  you
• 5:49
  just
• 5:49
  pause
• 5:50
  for
• 5:50
  a
• 5:50
  second,
• 5:50
  think
• 5:50
  about
• 5:50
  what
• 5:51
  you're
• 5:51
  doing
• 5:51
  there,
• 5:52
  you're
• 5:52
  putting
• 5:52
  things
• 5:53
  in
• 5:53
  terms
• 5:53
  of,
• 5:53
  how
• 5:54
  does
• 5:54
  God
• 5:54
  see
• 5:54
  this?
• 5:55
  You're
• 5:56
  really
• 5:56
  going
• 5:56
  inside
• 5:56
  of
• 5:57
  yourself
• 5:57
  and
• 5:57
  naming
• 5:58
  those
• 5:58
  things.
• 5:58
  Which
• 5:59
  leads
• 5:59
  me
• 5:59
  right
• 5:59
  to
• 6:00
  our
• 6:00
  Bible
• 6:00
  verse.
• 6:00
  Guess
• 6:00
  What?
• 6:00
  We
• 6:01
  got
• 6:01
  two
• 6:01
  Bible
• 6:01
  verses
• 6:01
  for
• 6:02
  today.
• 6:02
  The
• 6:02
  first
• 6:03
  one
• 6:03
  is
• 6:03
  Proverbs
• 6:04
  16:32.
• 6:06
  It
• 6:06
  says,
• 6:06
  Better
• 6:07
  a
• 6:07
  patient
• 6:07
  person
• 6:08
  than
• 6:08
  a
• 6:08
  warrior.
• 6:09
  One
• 6:10
  with
• 6:10
  self
• 6:10
  control
• 6:11
  than
• 6:12
  one
• 6:12
  who
• 6:12
  takes
• 6:12
  a
• 6:12
  city.
• 6:13
  What's
• 6:13
  Scripture
• 6:14
  telling
• 6:14
  us?
• 6:15
  A
• 6:15
  patient
• 6:16
  person,
• 6:17
  self
• 6:17
  control.
• 6:18
  That's
• 6:18
  the
• 6:18
  things
• 6:18
  we
• 6:19
  talked
• 6:19
  about
• 6:19
  today.
• 6:20
  Let's
• 6:20
  look
• 6:20
  at
• 6:20
  Philippians,
• 6:21
  chapter
• 6:21
  4,
• 6:21
  verse
• 6:22
  11.
• 6:22
  I
• 6:23
  love
• 6:23
  this
• 6:23
  one.
• 6:23
  It's
• 6:24
  all
• 6:24
  about
• 6:24
  contentment.
• 6:25
  I've
• 6:25
  learned
• 6:25
  to
• 6:25
  be
• 6:25
  content
• 6:26
  whatever
• 6:26
  the
• 6:27
  circumstance.
• 6:28
  See,
• 6:28
  the
• 6:28
  truth
• 6:28
  is,
• 6:29
  when
• 6:29
  I
• 6:29
  went
• 6:29
  back
• 6:29
  and
• 6:29
  look
• 6:29
  at
• 6:30
  that
• 6:30
  purchase
• 6:30
  I
• 6:30
  made
• 6:30
  after
• 6:31
  tax
• 6:31
  season,
• 6:32
  it
• 6:32
  was
• 6:32
  completely
• 6:33
  emotional.
• 6:33
  I
• 6:34
  had
• 6:34
  a
• 6:34
  perfectly
• 6:34
  fine
• 6:35
  vehicle.
• 6:36
  I
• 6:36
  was
• 6:36
  just
• 6:36
  looking
• 6:37
  for
• 6:37
  that
• 6:37
  dopamine
• 6:38
  high,
• 6:38
  that
• 6:38
  emotional
• 6:39
  high.
• 6:39
  But
• 6:39
  if
• 6:39
  I
• 6:40
  really
• 6:40
  had
• 6:40
  thought
• 6:40
  about
• 6:40
  it
• 6:41
  and
• 6:41
  just
• 6:41
  embrace
• 6:42
  contentment,
• 6:43
  I
• 6:43
  would
• 6:43
  have
• 6:43
  avoided
• 6:44
  making
• 6:44
  that
• 6:44
  purchase.
• 6:45
  Well,
• 6:45
  let's
• 6:45
  pray
• 6:45
  together
• 6:45
  right
• 6:46
  now.
• 6:46
  Lord,
• 6:46
  we
• 6:46
  come
• 6:47
  to
• 6:47
  you
• 6:47
  right
• 6:47
  now.
• 6:47
  And
• 6:48
  we're
• 6:48
  emotional
• 6:48
  people,
• 6:49
  Lord,
• 6:49
  So
• 6:50
  we
• 6:50
  ask
• 6:50
  you
• 6:50
  right
• 6:50
  now
• 6:50
  to
• 6:51
  help
• 6:51
  us
• 6:51
  see
• 6:51
  that
• 6:51
  emotion
• 6:52
  drives
• 6:52
  our
• 6:53
  spending,
• 6:53
  Lord,
• 6:53
  and
• 6:54
  give
• 6:54
  us
• 6:54
  peace
• 6:54
  and
• 6:55
  give
• 6:55
  us
• 6:55
  contentment
• 6:56
  when
• 6:56
  we
• 6:56
  feel
• 6:56
  empty.
• 6:57
  And
• 6:57
  fill
• 6:57
  us
• 6:57
  with
• 6:57
  your
• 6:58
  love
• 6:58
  and
• 6:58
  with
• 6:58
  your
• 6:58
  joy.
• 6:59
  And,
• 6:59
  Lord,
• 7:00
  we
• 7:00
  ask
• 7:00
  that
• 7:00
  you
• 7:00
  would
• 7:00
  help
• 7:01
  us
• 7:01
  to
• 7:01
  find
• 7:01
  joy
• 7:02
  in
• 7:02
  what
• 7:02
  we
• 7:02
  already
• 7:02
  have
• 7:03
  and
• 7:03
  what
• 7:03
  you've
• 7:03
  already
• 7:03
  blessed
• 7:04
  us
• 7:04
  with.
• 7:04
  And
• 7:04
  we
• 7:04
  ask
• 7:04
  this
• 7:05
  in
• 7:05
  confidence,
• 7:06
  in
• 7:06
  the
• 7:06
  name
• 7:06
  of
• 7:06
  Jesus.
• 7:07
  Amen.
• 7:08
  All
• 7:08
  right,
• 7:08
  you
• 7:08
  ready
• 7:08
  for
• 7:08
  your
• 7:09
  action
• 7:09
  item
• 7:09
  for
• 7:09
  today?
• 7:10
  Okay,
• 7:10
  here's
• 7:10
  the
• 7:10
  big
• 7:11
  deal.
• 7:11
  Here's
• 7:11
  what
• 7:11
  I
• 7:11
  want
• 7:11
  you
• 7:12
  to
• 7:12
  do
• 7:12
  before
• 7:12
  your
• 7:13
  next
• 7:13
  purchase
• 7:14
  when
• 7:14
  you're
• 7:14
  starting
• 7:15
  to
• 7:15
  feel
• 7:15
  that
• 7:15
  inkling.
• 7:16
  Oh,
• 7:16
  I'm
• 7:16
  going
• 7:16
  to
• 7:16
  Go
• 7:16
  buy
• 7:16
  something.
• 7:17
  Ralph,
• 7:17
  write
• 7:17
  down
• 7:18
  one
• 7:18
  emotion
• 7:18
  you're
• 7:19
  feeling,
• 7:19
  whatever
• 7:20
  that
• 7:20
  is.
• 7:20
  I'm
• 7:21
  feeling
• 7:21
  lonely.
• 7:22
  I'm
• 7:22
  feeling,
• 7:22
  hey,
• 7:22
  a
• 7:22
  lot
• 7:23
  of
• 7:23
  times
• 7:23
  it's
• 7:23
  boredom.
• 7:24
  I'm
• 7:24
  feeling
• 7:24
  comparison.
• 7:25
  Whatever
• 7:25
  those
• 7:25
  things
• 7:26
  are,
• 7:26
  write
• 7:27
  it
• 7:27
  down
• 7:27
  and
• 7:28
  pray
• 7:28
  about
• 7:28
  it.
• 7:29
  Let's
• 7:29
  see
• 7:29
  if
• 7:30
  you
• 7:30
  still
• 7:30
  make
• 7:30
  that
• 7:31
  purchase
• 7:31
  afterwards.
• 7:32
  All
• 7:32
  right,
• 7:32
  well,
• 7:33
  here's
• 7:33
  what
• 7:33
  I
• 7:33
  want
• 7:33
  you
• 7:33
  to
• 7:33
  do
• 7:33
  for
• 7:33
  me
• 7:34
  today.
• 7:34
  One
• 7:34
  of
• 7:34
  the
• 7:34
  things
• 7:34
  that
• 7:35
  I'd
• 7:35
  love
• 7:35
  to
• 7:35
  do
• 7:35
  is
• 7:36
  share
• 7:36
  the
• 7:36
  show
• 7:36
  with
• 7:37
  other
• 7:37
  people.
• 7:37
  We
• 7:37
  build
• 7:38
  this
• 7:38
  audience
• 7:38
  when
• 7:39
  you
• 7:39
  go
• 7:39
  out
• 7:39
  and
• 7:39
  tell
• 7:39
  people
• 7:40
  about
• 7:40
  the
• 7:40
  show.
• 7:40
  So
• 7:40
  I'm
• 7:40
  going
• 7:40
  to
• 7:40
  encourage
• 7:41
  you
• 7:41
  to
• 7:41
  do
• 7:41
  that
• 7:41
  today.
• 7:42
  Maybe
• 7:42
  you
• 7:42
  know
• 7:42
  somebody
• 7:43
  else
• 7:43
  that's
• 7:43
  always
• 7:44
  spending
• 7:44
  and
• 7:44
  they're
• 7:44
  like,
• 7:45
  hey,
• 7:45
  you
• 7:45
  know,
• 7:45
  Ralph
• 7:45
  had
• 7:46
  this
• 7:46
  great
• 7:46
  show
• 7:46
  today.
• 7:47
  Just
• 7:47
  send
• 7:47
  them
• 7:47
  to
• 7:47
  our
• 7:48
  website.
• 7:48
  That's
• 7:48
  right
• 7:49
  at
• 7:50
  financiallyconfidentchristian.com
• 7:51
  hey,
• 7:51
  we
• 7:51
  can
• 7:51
  go
• 7:52
  see
• 7:52
  all
• 7:52
  of
• 7:52
  our
• 7:52
  shows
• 7:52
  there.
• 7:52
  This
• 7:53
  whole
• 7:53
  30
• 7:53
  day
• 7:54
  series
• 7:54
  will
• 7:54
  be
• 7:54
  there
• 7:55
  again.
• 7:55
  Just
• 7:55
  share
• 7:55
  the
• 7:56
  show
• 7:56
  with
• 7:56
  them,
• 7:56
  send
• 7:56
  them
• 7:57
  a
• 7:57
  text,
• 7:57
  send
• 7:57
  them
• 7:57
  an
• 7:58
  email.
• 7:58
  Hey,
• 7:58
  pick
• 7:58
  up
• 7:58
  the
• 7:58
  phone
• 7:58
  and
• 7:59
  call
• 7:59
  them.
• 7:59
  Say,
• 7:59
  hey,
• 7:59
  if
• 8:00
  you're
• 8:00
  having
• 8:00
  a
• 8:00
  hard
• 8:00
  time
• 8:01
  at
• 8:01
  Christmas,
• 8:01
  I
• 8:02
  got
• 8:02
  the
• 8:02
  guy
• 8:02
  for
• 8:02
  you
• 8:02
  to
• 8:03
  listen
• 8:03
  to.
• 8:03
  Financiallyconfidentchristian.com
• 8:05
  well,
• 8:06
  thank
• 8:06
  you
• 8:06
  for
• 8:06
  joining
• 8:06
  me
• 8:06
  today.
• 8:07
  Remember,
• 8:08
  spending
• 8:08
  less
• 8:08
  isn't
• 8:09
  about
• 8:09
  guilt.
• 8:09
  I
• 8:09
  don't
• 8:10
  want
• 8:10
  you
• 8:10
  to
• 8:10
  live
• 8:10
  in
• 8:10
  guilt.
• 8:11
  It's
• 8:11
  about
• 8:12
  peace
• 8:12
  and
• 8:13
  about
• 8:13
  freedom.
• 8:14
  So
• 8:14
  when
• 8:14
  you
• 8:14
  pause,
• 8:15
  when
• 8:15
  you
• 8:15
  pray
• 8:16
  and
• 8:16
  when
• 8:17
  you
• 8:17
  choose
• 8:17
  contentment,
• 8:18
  you're
• 8:18
  not
• 8:18
  just
• 8:18
  saving
• 8:19
  money,
• 8:19
  you're
• 8:20
  growing
• 8:20
  in
• 8:20
  wisdom.
• 8:21
  And
• 8:21
  you're
• 8:21
  being
• 8:22
  a
• 8:22
  financially
• 8:22
  confident
• 8:23
  Christian.
• 8:23
  So
• 8:23
  I'm
• 8:23
  going
• 8:23
  to
• 8:23
  encourage
• 8:24
  you
• 8:24
  right
• 8:24
  now.
• 8:24
  Stay
• 8:25
  financially
• 8:25
  savvy
• 8:26
  out
• 8:26
  there.
• 8:26
  God
• 8:26
  bless
• 8:27
  you
• 8:27
  and
• 8:27
  I'll
• 8:27
  see
• 8:28
  you
• 8:28
  tomorrow
• 8:28
  on
• 8:28
  the
• 8:28
  show.