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Can $50 Build an Emergency Fund? · Becoming Financially Confident

• 0:37
  Let
• 0:37
  me
• 0:37
  ask
• 0:38
  you
• 0:38
  a
• 0:38
  question.
• 0:39
  Does
• 0:39
  looking
• 0:39
  at
• 0:40
  your
• 0:40
  savings
• 0:40
  account
• 0:40
  make
• 0:41
  you
• 0:41
  feel
• 0:41
  proud,
• 0:42
  or
• 0:42
  does
• 0:43
  it
• 0:43
  make
• 0:43
  you
• 0:43
  feel
• 0:43
  defeated?
• 0:45
  When
• 0:45
  you're
• 0:45
  working
• 0:46
  hard
• 0:46
  but
• 0:46
  the
• 0:46
  balance
• 0:47
  just
• 0:47
  barely
• 0:47
  moves,
• 0:48
  it's
• 0:48
  easy
• 0:48
  to
• 0:48
  believe
• 0:49
  the
• 0:49
  lie
• 0:49
  that
• 0:49
  you're
• 0:50
  falling
• 0:50
  behind.
• 0:51
  You
• 0:52
  might
• 0:52
  even
• 0:52
  be
• 0:52
  thinking,
• 0:53
  why
• 0:53
  bother
• 0:54
  saving
• 0:54
  $50
• 0:55
  when
• 0:55
  everyone
• 0:55
  else
• 0:56
  seems
• 0:56
  to
• 0:56
  be
• 0:56
  saving
• 0:57
  5,000?
• 0:59
  So
• 0:59
  today,
• 0:59
  if
• 1:00
  you
• 1:00
  feel
• 1:00
  like
• 1:00
  your
• 1:00
  shovel
• 1:01
  is
• 1:01
  just
• 1:01
  too
• 1:02
  small
• 1:02
  for
• 1:02
  the
• 1:03
  hole
• 1:03
  you're
• 1:03
  digging,
• 1:03
  stick.
• 1:04
  Stay
• 1:04
  with
• 1:04
  me.
• 1:05
  Because
• 1:05
  today
• 1:05
  I'm
• 1:06
  going
• 1:06
  to
• 1:06
  prove
• 1:06
  to
• 1:06
  you
• 1:06
  why
• 1:06
  slow
• 1:07
  and
• 1:07
  steady
• 1:08
  isn't
• 1:09
  just
• 1:09
  a
• 1:09
  nice
• 1:09
  saying.
• 1:10
  It's
• 1:11
  actually
• 1:11
  the
• 1:11
  only
• 1:11
  way
• 1:12
  to
• 1:12
  win.
• 1:34
  Hey,
• 1:34
  friend.
• 1:34
  Ralph
• 1:35
  Estep
• 1:35
  Jr.
• 1:36
  Here.
• 1:36
  This
• 1:36
  is
• 1:37
  financially
• 1:37
  Confident
• 1:38
  Christian,
• 1:38
  where
• 1:38
  every
• 1:39
  day
• 1:39
  we're
• 1:39
  working
• 1:39
  to
• 1:40
  break
• 1:40
  that
• 1:40
  cycle
• 1:41
  of
• 1:41
  financial
• 1:41
  shame
• 1:42
  and
• 1:42
  do
• 1:43
  it
• 1:43
  with
• 1:43
  confidence.
• 1:44
  And
• 1:45
  today,
• 1:45
  we're
• 1:45
  going
• 1:45
  to
• 1:45
  break
• 1:46
  that
• 1:46
  cycle
• 1:46
  by
• 1:47
  doing
• 1:47
  something
• 1:47
  small.
• 1:48
  Just
• 1:48
  dealing
• 1:49
  with
• 1:49
  a
• 1:49
  small
• 1:50
  savings
• 1:50
  discouragement
• 1:51
  that
• 1:51
  so
• 1:51
  many
• 1:52
  of
• 1:52
  us
• 1:52
  have
• 1:52
  faced.
• 1:52
  This
• 1:53
  which
• 1:54
  leads
• 1:54
  me
• 1:54
  to
• 1:54
  today's
• 1:55
  listener
• 1:55
  question.
• 1:56
  Listener
• 1:57
  wrote
• 1:57
  this.
• 1:58
  Ralph,
• 1:59
  I
• 1:59
  can
• 1:59
  only
• 2:00
  save
• 2:00
  $50
• 2:01
  a
• 2:01
  paycheck,
• 2:02
  and
• 2:02
  it's
• 2:03
  breaking
• 2:03
  my
• 2:03
  heart.
• 2:04
  I
• 2:05
  know
• 2:05
  I
• 2:05
  should
• 2:05
  be
• 2:05
  proud,
• 2:06
  but
• 2:06
  I
• 2:06
  feel
• 2:06
  like
• 2:07
  I'm
• 2:07
  just
• 2:07
  feeling
• 2:08
  behind.
• 2:09
  At
• 2:09
  this
• 2:09
  rate,
• 2:10
  will
• 2:10
  I
• 2:11
  ever
• 2:11
  have
• 2:11
  enough
• 2:11
  to
• 2:12
  actually
• 2:12
  handle
• 2:12
  an
• 2:12
  emergency?
• 2:14
  How
• 2:15
  do
• 2:15
  people
• 2:15
  do
• 2:15
  this
• 2:16
  without
• 2:16
  giving
• 2:16
  up?
• 2:17
  Ralph,
• 2:18
  I
• 2:18
  need
• 2:18
  encouragement
• 2:19
  because
• 2:19
  I'm
• 2:20
  still
• 2:20
  struggling.
• 2:22
  Thank
• 2:22
  you
• 2:23
  so
• 2:23
  much
• 2:23
  for
• 2:23
  that
• 2:23
  question,
• 2:24
  and
• 2:24
  thank
• 2:24
  you
• 2:24
  for
• 2:24
  being
• 2:25
  honest,
• 2:25
  because
• 2:25
  I
• 2:25
  feel
• 2:25
  that
• 2:26
  struggle.
• 2:27
  And
• 2:28
  I
• 2:28
  don't
• 2:28
  usually
• 2:28
  say
• 2:28
  this,
• 2:28
  but
• 2:29
  I'm
• 2:29
  gonna
• 2:29
  jump
• 2:29
  right
• 2:29
  to
• 2:29
  it.
• 2:29
  Listen,
• 2:30
  $50
• 2:30
  per
• 2:31
  paycheck
• 2:32
  is
• 2:32
  huge.
• 2:33
  That's
• 2:33
  not
• 2:33
  small.
• 2:34
  That's
• 2:34
  a
• 2:34
  lot.
• 2:35
  So
• 2:35
  be
• 2:36
  proud
• 2:36
  of
• 2:36
  yourself.
• 2:38
  And
• 2:39
  today's
• 2:39
  big
• 2:39
  idea
• 2:40
  is
• 2:40
  this.
• 2:40
  Saving
• 2:41
  small
• 2:41
  wins
• 2:41
  when
• 2:42
  it's
• 2:42
  consistent.
• 2:42
  And
• 2:43
  listen,
• 2:43
  you're
• 2:43
  being
• 2:43
  super
• 2:44
  consistent
• 2:45
  because
• 2:45
  that
• 2:46
  $50
• 2:48
  turns
• 2:48
  into
• 2:48
  security.
• 2:50
  So
• 2:50
  here's
• 2:51
  what
• 2:51
  we
• 2:51
  got
• 2:51
  to
• 2:51
  start
• 2:51
  by.
• 2:51
  I
• 2:52
  want
• 2:52
  you
• 2:52
  to
• 2:52
  just
• 2:52
  lean
• 2:52
  into
• 2:53
  this
• 2:53
  right
• 2:53
  now.
• 2:54
  Reframe
• 2:54
  the
• 2:54
  story.
• 2:55
  Like
• 2:56
  I
• 2:56
  said,
• 2:57
  small
• 2:57
  Progress.
• 2:58
  And
• 2:58
  listen,
• 2:59
  $50
• 2:59
  to
• 2:59
  me
• 3:00
  is
• 3:00
  not
• 3:00
  small
• 3:00
  progress.
• 3:02
  Small
• 3:03
  progress
• 3:03
  is
• 3:03
  still
• 3:03
  progress.
• 3:05
  The
• 3:05
  only
• 3:05
  progress
• 3:06
  that
• 3:06
  fails
• 3:06
  is
• 3:06
  zero.
• 3:07
  If
• 3:07
  you
• 3:07
  were
• 3:07
  doing
• 3:07
  nothing,
• 3:08
  then
• 3:08
  maybe
• 3:08
  we
• 3:09
  could
• 3:09
  say
• 3:09
  that
• 3:09
  is
• 3:09
  in
• 3:09
  progress.
• 3:11
  But
• 3:11
  I
• 3:11
  understand
• 3:12
  your
• 3:12
  heartache.
• 3:13
  That
• 3:13
  feeling
• 3:14
  is
• 3:14
  real.
• 3:14
  You're
• 3:15
  probably
• 3:15
  thinking
• 3:15
  you're
• 3:15
  looking
• 3:16
  at
• 3:16
  people
• 3:16
  around
• 3:17
  you.
• 3:17
  Well,
• 3:17
  they've
• 3:17
  got
• 3:17
  $5,000
• 3:18
  saved
• 3:19
  or
• 3:19
  $10,000
• 3:20
  saved.
• 3:22
  Yes,
• 3:23
  zero
• 3:23
  keeps
• 3:23
  you
• 3:23
  exposed.
• 3:24
  But
• 3:24
  $50,
• 3:25
  it
• 3:25
  actually
• 3:26
  buys
• 3:26
  you
• 3:26
  some
• 3:26
  options.
• 3:28
  And
• 3:28
  remember,
• 3:29
  that
• 3:29
  behind
• 3:30
  feeling,
• 3:31
  that's
• 3:31
  something
• 3:31
  you've
• 3:32
  got
• 3:32
  internally.
• 3:32
  That's.
• 3:33
  That's
• 3:33
  just
• 3:33
  a
• 3:33
  feeling.
• 3:34
  That's
• 3:34
  not
• 3:34
  a
• 3:34
  fact.
• 3:34
  Because,
• 3:35
  trust
• 3:35
  me,
• 3:35
  $50
• 3:37
  is
• 3:37
  not
• 3:38
  a
• 3:38
  fact.
• 3:39
  Which
• 3:39
  is
• 3:39
  why
• 3:40
  you've
• 3:40
  Got
• 3:40
  to
• 3:40
  respect
• 3:40
  the
• 3:41
  math.
• 3:42
  I'm
• 3:42
  a
• 3:42
  math
• 3:42
  guy.
• 3:43
  This
• 3:43
  is
• 3:43
  what
• 3:43
  I
• 3:43
  spend
• 3:43
  my
• 3:44
  day,
• 3:44
  all
• 3:44
  day
• 3:44
  doing.
• 3:45
  I'm
• 3:45
  gonna
• 3:45
  throw
• 3:46
  something
• 3:46
  at
• 3:46
  you.
• 3:47
  $50
• 3:47
  a
• 3:47
  paycheck
• 3:48
  is
• 3:48
  real
• 3:49
  protection.
• 3:50
  Bear
• 3:50
  with
• 3:51
  me
• 3:51
  here.
• 3:51
  I've
• 3:51
  already
• 3:51
  done
• 3:51
  the
• 3:52
  math.
• 3:52
  $50.
• 3:53
  Let's
• 3:53
  say
• 3:54
  you're
• 3:54
  paid
• 3:54
  biweekly.
• 3:55
  That's
• 3:55
  26
• 3:56
  paychecks
• 3:56
  a
• 3:57
  year.
• 3:57
  You
• 3:57
  know
• 3:58
  what
• 3:58
  that
• 3:58
  means
• 3:58
  in
• 3:58
  a
• 3:58
  year?
• 3:59
  $1300.
• 4:02
  Think
• 4:03
  about
• 4:03
  what
• 4:03
  you
• 4:03
  could
• 4:03
  do
• 4:03
  with
• 4:03
  $1300.
• 4:05
  $1300
• 4:07
  can
• 4:07
  cover
• 4:07
  your
• 4:07
  car
• 4:07
  deductible.
• 4:09
  Maybe
• 4:09
  a
• 4:09
  car
• 4:10
  repair,
• 4:11
  a
• 4:11
  flight
• 4:12
  somewhere.
• 4:12
  Maybe
• 4:12
  something
• 4:13
  happens.
• 4:13
  Or
• 4:13
  maybe
• 4:13
  that
• 4:14
  medical
• 4:14
  bill
• 4:15
  you
• 4:15
  weren't
• 4:15
  expecting.
• 4:17
  So
• 4:17
  just
• 4:17
  think
• 4:18
  about
• 4:18
  that
• 4:18
  $50
• 4:19
  a
• 4:19
  year
• 4:19
  from
• 4:20
  now,
• 4:21
  that
• 4:21
  little
• 4:21
  start.
• 4:22
  And
• 4:22
  like
• 4:22
  I
• 4:22
  said,
• 4:22
  I
• 4:22
  don't
• 4:22
  think
• 4:23
  $50
• 4:23
  is
• 4:23
  a
• 4:23
  little
• 4:23
  start.
• 4:24
  You
• 4:24
  said
• 4:24
  make
• 4:24
  $2.
• 4:25
  Maybe
• 4:25
  we'll
• 4:25
  talk
• 4:25
  about
• 4:25
  a
• 4:26
  little.
• 4:26
  But
• 4:26
  $50
• 4:26
  is
• 4:26
  not
• 4:27
  a
• 4:27
  little.
• 4:28
  A
• 4:28
  year
• 4:28
  from
• 4:28
  now.
• 4:29
  You're
• 4:29
  going
• 4:30
  to
• 4:30
  be
• 4:30
  grateful
• 4:30
  that
• 4:31
  you
• 4:31
  started.
• 4:33
  But
• 4:33
  here's
• 4:34
  where
• 4:34
  I
• 4:34
  think
• 4:34
  the
• 4:34
  trap
• 4:34
  is.
• 4:36
  You've
• 4:36
  got
• 4:36
  to
• 4:37
  name
• 4:37
  the
• 4:37
  real
• 4:37
  enemy.
• 4:39
  If
• 4:39
  you
• 4:39
  listen
• 4:39
  to
• 4:40
  my
• 4:40
  shows,
• 4:40
  you
• 4:40
  know
• 4:40
  where
• 4:40
  I'm
• 4:40
  going
• 4:41
  next.
• 4:42
  Because
• 4:42
  what
• 4:42
  you're
• 4:43
  really
• 4:43
  talking
• 4:43
  about
• 4:43
  is
• 4:44
  comparison.
• 4:45
  And
• 4:45
  comparison
• 4:46
  is
• 4:47
  a
• 4:47
  huge
• 4:47
  trap
• 4:49
  because
• 4:50
  social
• 4:50
  media
• 4:50
  makes
• 4:51
  it
• 4:51
  look
• 4:51
  like
• 4:51
  everyone
• 4:51
  else
• 4:52
  is
• 4:52
  ahead
• 4:52
  of
• 4:52
  us.
• 4:54
  Oh,
• 4:54
  I
• 4:54
  look
• 4:54
  on
• 4:55
  social
• 4:55
  media.
• 4:55
  Look
• 4:55
  at
• 4:56
  that.
• 4:56
  They've
• 4:56
  got
• 4:56
  it
• 4:56
  all
• 4:57
  together.
• 4:57
  Look
• 4:57
  at
• 4:57
  the
• 4:57
  big
• 4:58
  house.
• 4:58
  Look
• 4:58
  at
• 4:58
  the
• 4:58
  new
• 4:59
  car.
• 4:59
  You
• 5:00
  must
• 5:00
  be
• 5:00
  doing
• 5:00
  something.
• 5:00
  Look
• 5:01
  at
• 5:01
  the
• 5:01
  jewelry.
• 5:01
  Look
• 5:01
  at
• 5:02
  the
• 5:02
  purses.
• 5:02
  Look
• 5:02
  at
• 5:02
  all
• 5:02
  the
• 5:03
  stuff.
• 5:04
  That's
• 5:05
  where
• 5:05
  you
• 5:05
  fall
• 5:05
  into
• 5:06
  the
• 5:06
  trap.
• 5:08
  Because
• 5:08
  you
• 5:08
  got
• 5:08
  to
• 5:08
  remember,
• 5:09
  you're
• 5:09
  running
• 5:09
  your
• 5:10
  race.
• 5:11
  It's
• 5:12
  your
• 5:12
  race.
• 5:13
  It's
• 5:14
  not
• 5:14
  their
• 5:14
  race.
• 5:15
  It's
• 5:15
  not
• 5:15
  everyone
• 5:16
  else's
• 5:16
  race.
• 5:16
  It's
• 5:17
  not
• 5:17
  what
• 5:17
  you
• 5:17
  said
• 5:17
  in
• 5:18
  your
• 5:18
  question.
• 5:18
  Everyone
• 5:19
  else
• 5:19
  seems
• 5:19
  to
• 5:19
  be
• 5:19
  saving.
• 5:20
  Stop
• 5:20
  doing
• 5:21
  that
• 5:21
  to
• 5:21
  yourself.
• 5:23
  You're
• 5:23
  running
• 5:23
  your
• 5:24
  race.
• 5:24
  You're
• 5:24
  building
• 5:25
  your
• 5:25
  foundation.
• 5:27
  Scripture
• 5:28
  is
• 5:28
  very
• 5:28
  clear
• 5:28
  about
• 5:29
  it,
• 5:29
  says,
• 5:29
  don't
• 5:29
  despise
• 5:30
  small
• 5:30
  beginnings.
• 5:31
  Don't
• 5:31
  despise
• 5:31
  those
• 5:32
  small
• 5:32
  beginnings.
• 5:34
  But
• 5:35
  here's
• 5:35
  one
• 5:35
  thing
• 5:35
  you
• 5:35
  can
• 5:35
  do
• 5:36
  to
• 5:36
  make
• 5:36
  it
• 5:37
  easier
• 5:37
  for
• 5:37
  you,
• 5:37
  because
• 5:38
  I
• 5:38
  want
• 5:38
  to
• 5:38
  give
• 5:38
  you
• 5:38
  something
• 5:38
  you
• 5:39
  can
• 5:39
  take
• 5:39
  away.
• 5:39
  Make
• 5:40
  it
• 5:40
  automatic.
• 5:42
  I
• 5:42
  am
• 5:42
  a
• 5:42
  big
• 5:43
  believer
• 5:43
  in
• 5:43
  making
• 5:44
  this
• 5:44
  type
• 5:44
  of
• 5:44
  savings
• 5:45
  an
• 5:45
  automatic
• 5:45
  thing,
• 5:46
  because
• 5:46
  I
• 5:47
  want
• 5:47
  it
• 5:47
  become
• 5:47
  a
• 5:47
  habit,
• 5:48
  not
• 5:48
  a
• 5:48
  debate.
• 5:49
  So
• 5:50
  many
• 5:50
  people
• 5:50
  say,
• 5:50
  you
• 5:51
  know
• 5:51
  what,
• 5:51
  Ralph?
• 5:51
  I'm
• 5:51
  going
• 5:51
  to
• 5:51
  set
• 5:51
  it
• 5:52
  up
• 5:52
  that
• 5:52
  every
• 5:52
  Friday
• 5:52
  when
• 5:53
  I
• 5:53
  got
• 5:53
  paid,
• 5:53
  I'm
• 5:54
  going
• 5:54
  to
• 5:54
  go
• 5:54
  online
• 5:55
  and
• 5:55
  I'm
• 5:55
  going
• 5:55
  to
• 5:55
  transfer
• 5:56
  money.
• 5:56
  But
• 5:56
  you
• 5:56
  know
• 5:57
  what
• 5:57
  that
• 5:57
  does?
• 5:57
  It
• 5:57
  creates
• 5:57
  friction.
• 5:58
  And
• 5:59
  that
• 5:59
  friction
• 5:59
  is
• 6:00
  a
• 6:00
  debate
• 6:00
  because
• 6:00
  you
• 6:01
  start
• 6:01
  saying,
• 6:02
  yeah,
• 6:02
  but
• 6:03
  I
• 6:03
  wasn't
• 6:03
  expecting
• 6:04
  this.
• 6:05
  I
• 6:05
  Don't
• 6:05
  know
• 6:05
  if
• 6:05
  I
• 6:05
  can
• 6:05
  do
• 6:06
  that
• 6:06
  this
• 6:06
  week.
• 6:06
  Make
• 6:07
  it
• 6:07
  automatic.
• 6:07
  Treat
• 6:08
  it
• 6:08
  like
• 6:08
  a
• 6:08
  utility
• 6:09
  bill
• 6:09
  that
• 6:09
  you
• 6:09
  don't
• 6:09
  skip.
• 6:10
  Most
• 6:10
  people
• 6:10
  don't
• 6:11
  skip
• 6:11
  their
• 6:11
  utility
• 6:11
  bills
• 6:12
  because
• 6:12
  you
• 6:12
  want
• 6:12
  to
• 6:12
  flick
• 6:13
  the
• 6:13
  light
• 6:13
  on
• 6:13
  and
• 6:13
  the
• 6:13
  light
• 6:13
  comes
• 6:14
  on
• 6:14
  in
• 6:14
  your
• 6:14
  house.
• 6:16
  So
• 6:16
  set
• 6:16
  it
• 6:16
  up
• 6:16
  as
• 6:16
  an
• 6:17
  automatic
• 6:17
  transfer.
• 6:18
  Exactly.
• 6:18
  When
• 6:18
  you
• 6:18
  get
• 6:19
  paid,
• 6:19
  dare
• 6:19
  I
• 6:19
  say,
• 6:20
  before
• 6:20
  you
• 6:21
  even
• 6:21
  get
• 6:21
  paid.
• 6:22
  So
• 6:22
  it's
• 6:23
  not
• 6:23
  found
• 6:23
  money,
• 6:24
  it's
• 6:25
  separate
• 6:25
  money.
• 6:25
  Put
• 6:25
  it
• 6:26
  in
• 6:26
  somewhere
• 6:26
  else.
• 6:26
  It's
• 6:27
  kind
• 6:27
  of
• 6:27
  the
• 6:27
  pay
• 6:27
  yourself
• 6:28
  idea.
• 6:29
  We'll
• 6:29
  do
• 6:29
  a
• 6:29
  show
• 6:29
  about
• 6:30
  that
• 6:30
  here
• 6:30
  in
• 6:30
  a
• 6:30
  couple
• 6:30
  weeks.
• 6:31
  Coming
• 6:31
  up,
• 6:31
  we'll
• 6:31
  talk
• 6:31
  about
• 6:32
  paying
• 6:32
  yourself
• 6:32
  first.
• 6:33
  Another
• 6:34
  thing
• 6:34
  that
• 6:34
  I
• 6:34
  think
• 6:35
  is
• 6:35
  really
• 6:36
  a
• 6:36
  massive
• 6:36
  thing
• 6:37
  you
• 6:37
  can
• 6:37
  do
• 6:37
  is
• 6:38
  give
• 6:38
  the
• 6:38
  goal
• 6:38
  a
• 6:39
  name
• 6:39
  that
• 6:39
  fuels
• 6:40
  you.
• 6:41
  I
• 6:41
  personally
• 6:41
  don't
• 6:42
  like
• 6:42
  the
• 6:42
  word
• 6:42
  emergency
• 6:43
  fund.
• 6:43
  To
• 6:43
  me,
• 6:43
  it
• 6:43
  just
• 6:44
  sounds
• 6:44
  negative.
• 6:45
  Oh,
• 6:45
  if
• 6:46
  there's
• 6:46
  an
• 6:46
  emergency,
• 6:46
  I'm
• 6:46
  going
• 6:46
  to
• 6:47
  have
• 6:47
  to
• 6:47
  spend
• 6:47
  this
• 6:47
  money.
• 6:47
  I
• 6:47
  don't
• 6:48
  think
• 6:48
  that's
• 6:48
  the
• 6:48
  right
• 6:48
  answer.
• 6:49
  Here's
• 6:49
  one
• 6:49
  I
• 6:49
  will
• 6:49
  give
• 6:50
  you.
• 6:50
  And
• 6:50
  you
• 6:50
  don't
• 6:50
  have
• 6:50
  to
• 6:51
  use
• 6:51
  this
• 6:51
  one.
• 6:51
  I
• 6:51
  just
• 6:51
  love
• 6:51
  this
• 6:52
  one.
• 6:53
  Freedom
• 6:53
  Fund.
• 6:55
  It's
• 6:55
  my
• 6:56
  freedom
• 6:56
  fund
• 6:57
  because
• 6:58
  like
• 6:58
  I
• 6:58
  said,
• 6:58
  emergency
• 6:59
  feels
• 6:59
  scary.
• 7:00
  But
• 7:00
  for
• 7:01
  me,
• 7:01
  freedom
• 7:02
  feels
• 7:02
  like
• 7:02
  progress.
• 7:04
  Freedom
• 7:04
  feels
• 7:04
  like
• 7:04
  I've
• 7:05
  got
• 7:05
  a
• 7:05
  direction,
• 7:06
  I'm
• 7:06
  going
• 7:06
  somewhere.
• 7:07
  Because
• 7:08
  that
• 7:08
  name,
• 7:08
  every
• 7:09
  time
• 7:09
  you
• 7:09
  see
• 7:09
  that
• 7:10
  is
• 7:10
  going
• 7:10
  to
• 7:11
  remind
• 7:11
  you
• 7:11
  what
• 7:11
  you're
• 7:12
  building.
• 7:13
  That's
• 7:13
  $50
• 7:14
  every
• 7:15
  other
• 7:15
  week
• 7:15
  is
• 7:16
  $1300
• 7:17
  in
• 7:17
  a
• 7:18
  year.
• 7:20
  Your
• 7:20
  $50
• 7:21
  is
• 7:21
  not
• 7:21
  small.
• 7:23
  It's
• 7:23
  faithful.
• 7:25
  So
• 7:25
  here's
• 7:25
  today's
• 7:26
  win.
• 7:26
  Just
• 7:26
  a
• 7:27
  single
• 7:27
  step
• 7:27
  that
• 7:27
  I
• 7:28
  want
• 7:28
  you
• 7:28
  to
• 7:28
  do.
• 7:29
  Rename
• 7:29
  that
• 7:30
  savings
• 7:30
  account
• 7:30
  today.
• 7:31
  Most
• 7:31
  banks,
• 7:31
  you
• 7:31
  can
• 7:32
  go
• 7:32
  right
• 7:32
  onto
• 7:32
  the
• 7:32
  banking
• 7:33
  website
• 7:33
  or
• 7:33
  on
• 7:33
  the
• 7:33
  app
• 7:34
  and
• 7:34
  just
• 7:35
  change
• 7:35
  the
• 7:35
  name
• 7:35
  of
• 7:35
  that
• 7:36
  savings
• 7:36
  account
• 7:36
  and
• 7:37
  call
• 7:37
  it
• 7:37
  your
• 7:37
  freedom
• 7:38
  fund.
• 7:38
  And
• 7:39
  maybe
• 7:39
  you
• 7:39
  set
• 7:39
  up
• 7:39
  a
• 7:39
  separate
• 7:40
  one
• 7:40
  that
• 7:41
  you
• 7:41
  just
• 7:41
  carve
• 7:41
  out
• 7:42
  this
• 7:42
  money.
• 7:42
  Separate.
• 7:42
  This
• 7:43
  is
• 7:43
  my
• 7:43
  freedom
• 7:44
  Fund.
• 7:45
  And
• 7:45
  then
• 7:45
  I'm
• 7:46
  going
• 7:46
  to
• 7:46
  encourage
• 7:46
  you.
• 7:46
  Set
• 7:46
  up
• 7:46
  that
• 7:47
  automatic
• 7:47
  transfer.
• 7:48
  Doesn't
• 7:48
  have
• 7:48
  to
• 7:48
  be
• 7:49
  $50.
• 7:49
  It
• 7:49
  can
• 7:50
  be
• 7:50
  $10.
• 7:50
  It
• 7:50
  could
• 7:50
  be
• 7:51
  $5
• 7:51
  for
• 7:51
  that.
• 7:52
  Just
• 7:53
  set
• 7:53
  it
• 7:53
  up
• 7:53
  with
• 7:53
  every
• 7:54
  pay.
• 7:54
  Don't
• 7:54
  wait.
• 7:55
  Make
• 7:56
  it
• 7:56
  real
• 7:56
  right
• 7:57
  now
• 7:57
  while
• 7:57
  you're
• 7:57
  motivated.
• 7:58
  Right
• 7:58
  now
• 7:58
  you're
• 7:58
  like,
• 7:58
  ralph,
• 7:59
  yeah,
• 7:59
  I'm
• 7:59
  leaning
• 7:59
  into
• 8:00
  this,
• 8:00
  man.
• 8:00
  You're
• 8:00
  right.
• 8:01
  I
• 8:01
  want
• 8:01
  to
• 8:01
  do
• 8:01
  this.
• 8:02
  Go
• 8:02
  do
• 8:02
  that
• 8:02
  today.
• 8:03
  Rename
• 8:03
  that
• 8:03
  fund.
• 8:04
  Set
• 8:04
  up
• 8:04
  that
• 8:05
  automatic
• 8:05
  payment,
• 8:05
  whatever
• 8:06
  you
• 8:06
  can
• 8:06
  afford,
• 8:06
  and
• 8:06
  just
• 8:07
  watch
• 8:07
  it
• 8:07
  grow.
• 8:08
  Let's
• 8:09
  get
• 8:09
  into
• 8:09
  the
• 8:09
  Bible.
• 8:10
  Today
• 8:10
  we're
• 8:10
  going
• 8:10
  to
• 8:10
  go
• 8:10
  to
• 8:10
  Galatians,
• 8:11
  chapter
• 8:12
  6,
• 8:12
  verse
• 8:12
  9.
• 8:13
  And
• 8:14
  this
• 8:14
  one
• 8:14
  just
• 8:14
  reinforces
• 8:15
  what
• 8:15
  we're
• 8:15
  talking
• 8:15
  about
• 8:16
  today.
• 8:16
  Again,
• 8:16
  Galatians
• 8:17
  6,
• 8:17
  9.
• 8:18
  Let
• 8:18
  us
• 8:19
  not
• 8:19
  become
• 8:19
  Weary
• 8:20
  in
• 8:20
  doing
• 8:20
  good.
• 8:21
  For
• 8:22
  at
• 8:22
  the
• 8:22
  proper
• 8:22
  time,
• 8:23
  we
• 8:23
  will
• 8:23
  reap
• 8:24
  a
• 8:24
  harvest
• 8:25
  if
• 8:25
  we
• 8:25
  do
• 8:26
  not
• 8:27
  give
• 8:28
  up.
• 8:30
  There's
• 8:30
  the
• 8:30
  secret.
• 8:33
  Don't
• 8:33
  become
• 8:33
  weary
• 8:35
  at
• 8:35
  the
• 8:36
  proper
• 8:36
  time.
• 8:36
  You'll
• 8:37
  reap
• 8:37
  a
• 8:37
  harvest
• 8:38
  if
• 8:38
  you
• 8:39
  don't
• 8:39
  give
• 8:39
  up.
• 8:40
  See,
• 8:41
  saving
• 8:41
  $50,
• 8:42
  $25,
• 8:43
  $10
• 8:44
  is
• 8:45
  doing
• 8:45
  good.
• 8:45
  Yes,
• 8:46
  it's
• 8:46
  slow
• 8:47
  and
• 8:47
  it
• 8:47
  might
• 8:48
  feel
• 8:48
  like
• 8:48
  slow
• 8:48
  motion,
• 8:50
  but
• 8:50
  slow
• 8:50
  motion
• 8:51
  is
• 8:51
  motion.
• 8:52
  And
• 8:53
  God
• 8:53
  is
• 8:53
  calling
• 8:53
  us
• 8:53
  not
• 8:54
  to
• 8:54
  quit.
• 8:54
  Don't
• 8:54
  become
• 8:55
  weary.
• 8:56
  How
• 8:56
  about
• 8:56
  we
• 8:56
  pray
• 8:56
  right
• 8:57
  now
• 8:57
  together?
• 8:59
  Father
• 8:59
  God,
• 8:59
  I
• 8:59
  pray
• 9:00
  right
• 9:00
  now
• 9:00
  for
• 9:00
  the
• 9:01
  listener
• 9:01
  who's
• 9:01
  feeling
• 9:02
  small.
• 9:03
  For
• 9:04
  the
• 9:04
  one
• 9:04
  who
• 9:04
  looks
• 9:04
  at
• 9:05
  their
• 9:05
  bank
• 9:05
  account
• 9:05
  and
• 9:06
  feels
• 9:06
  that
• 9:06
  heavy
• 9:07
  weight
• 9:07
  in
• 9:07
  their
• 9:07
  chest,
• 9:07
  wondering
• 9:08
  if
• 9:08
  they'll
• 9:08
  ever
• 9:09
  catch
• 9:09
  up.
• 9:10
  Lord,
• 9:11
  we
• 9:11
  know
• 9:11
  this.
• 9:11
  You
• 9:12
  are
• 9:12
  the
• 9:12
  God
• 9:12
  of
• 9:12
  multiplication.
• 9:13
  Accountants
• 9:14
  love
• 9:14
  God
• 9:14
  because
• 9:14
  he
• 9:15
  is
• 9:15
  the
• 9:15
  God
• 9:15
  of
• 9:15
  multiplication.
• 9:17
  We
• 9:17
  just
• 9:17
  think
• 9:17
  about
• 9:17
  Scripture.
• 9:18
  You
• 9:18
  took
• 9:18
  a
• 9:18
  few
• 9:19
  loaves
• 9:19
  of
• 9:19
  fish
• 9:21
  and
• 9:21
  you
• 9:21
  fed
• 9:22
  thousands.
• 9:24
  So,
• 9:24
  Lord,
• 9:24
  right
• 9:25
  now
• 9:25
  I
• 9:25
  ask
• 9:25
  you
• 9:25
  to
• 9:25
  take
• 9:26
  their
• 9:26
  faithfulness,
• 9:27
  everybody
• 9:27
  who's
• 9:27
  doing
• 9:28
  these
• 9:28
  things
• 9:28
  and
• 9:28
  that
• 9:29
  $50
• 9:29
  for
• 9:30
  this
• 9:30
  person,
• 9:31
  that
• 9:31
  sacrifice,
• 9:32
  Lord,
• 9:32
  you
• 9:32
  just
• 9:33
  multiply
• 9:33
  it.
• 9:34
  Guard
• 9:35
  their
• 9:35
  heart
• 9:35
  against
• 9:36
  discouragement
• 9:37
  and
• 9:37
  comparison.
• 9:37
  And
• 9:38
  when
• 9:38
  they
• 9:38
  want
• 9:38
  to
• 9:38
  quit,
• 9:39
  Lord,
• 9:39
  remind
• 9:39
  them
• 9:39
  that
• 9:40
  you
• 9:40
  see
• 9:41
  their
• 9:41
  stewardship
• 9:42
  in
• 9:42
  the
• 9:42
  secret
• 9:43
  places.
• 9:44
  Just
• 9:45
  give
• 9:45
  them
• 9:45
  endurance
• 9:45
  to
• 9:46
  stay
• 9:46
  the
• 9:46
  course
• 9:46
  and
• 9:47
  let
• 9:47
  them
• 9:47
  reap
• 9:47
  a
• 9:48
  harvest
• 9:48
  of
• 9:48
  peace
• 9:48
  in
• 9:48
  the
• 9:49
  end,
• 9:49
  Lord,
• 9:49
  and
• 9:49
  we
• 9:49
  just
• 9:49
  ask
• 9:50
  this
• 9:50
  in
• 9:51
  Jesus
• 9:51
  name,
• 9:52
  amen.
• 9:55
  Here's
• 9:55
  what
• 9:55
  I
• 9:55
  want
• 9:55
  to
• 9:55
  do
• 9:55
  and
• 9:56
  encourage
• 9:56
  you.
• 9:57
  Slow
• 9:58
  and
• 9:58
  steady
• 9:59
  is
• 9:59
  not
• 9:59
  weak.
• 10:01
  It's
• 10:01
  how
• 10:01
  you
• 10:01
  build
• 10:02
  unshakable
• 10:03
  security.
• 10:03
  It's
• 10:03
  all
• 10:03
  about
• 10:04
  building
• 10:04
  that
• 10:04
  strong
• 10:05
  foundation.
• 10:06
  So
• 10:06
  I
• 10:06
  just
• 10:06
  want
• 10:07
  to
• 10:07
  encourage
• 10:07
  you,
• 10:07
  keep
• 10:07
  building
• 10:08
  those
• 10:08
  foundation.
• 10:09
  And
• 10:09
  if
• 10:09
  you
• 10:09
  haven't
• 10:09
  started,
• 10:10
  today's
• 10:10
  a
• 10:10
  great
• 10:10
  day
• 10:11
  to
• 10:11
  start.
• 10:12
  And
• 10:12
  if
• 10:12
  you've
• 10:12
  got
• 10:12
  a
• 10:13
  question
• 10:13
  for
• 10:13
  the
• 10:13
  show,
• 10:14
  I'd
• 10:14
  love
• 10:14
  to
• 10:14
  answer
• 10:15
  your
• 10:15
  question
• 10:15
  here
• 10:15
  on
• 10:15
  the
• 10:15
  show.
• 10:16
  Go
• 10:16
  right
• 10:17
  to
• 10:17
  financiallyconfidentchristian.com/question
• 10:21
  we'll
• 10:22
  put
• 10:22
  that
• 10:22
  in
• 10:22
  the
• 10:22
  show
• 10:22
  notes,
• 10:22
  but
• 10:23
  I'm
• 10:23
  gonna
• 10:23
  give
• 10:23
  it
• 10:23
  to
• 10:23
  you
• 10:23
  again
• 10:23
  if
• 10:23
  you
• 10:24
  wanna
• 10:24
  write
• 10:24
  this
• 10:24
  down,
• 10:24
  it's
• 10:25
  financiallyconfidentchristian.com/questions.
• 10:29
  Send
• 10:29
  your
• 10:29
  questions
• 10:29
  in
• 10:30
  and
• 10:30
  I'll
• 10:30
  answer
• 10:30
  them
• 10:31
  right
• 10:31
  here
• 10:31
  on
• 10:31
  the
• 10:31
  show.
• 10:32
  Thank
• 10:32
  you
• 10:33
  so
• 10:33
  much
• 10:33
  for
• 10:33
  joining
• 10:33
  me
• 10:34
  today.
• 10:34
  As
• 10:34
  I
• 10:34
  always
• 10:35
  say,
• 10:35
  stay
• 10:35
  financially
• 10:36
  savvy.
• 10:37
  May
• 10:37
  God
• 10:37
  bless
• 10:38
  you
• 10:38
  and
• 10:38
  you
• 10:39
  have
• 10:39
  a
• 10:39
  great
• 10:39
  day
• 10:39
  today.