Latest / Becoming Financially Confident / Discouraged by Slow Debt Progress? You’re Doing Better Than You Think

Transcript

Discouraged by Slow Debt Progress? You’re Doing Better Than You Think · Becoming Financially Confident

• 0:37
  I
• 0:37
  thought
• 0:38
  I'd
• 0:38
  start
• 0:38
  today
• 0:38
  with
• 0:38
  a
• 0:38
  listener
• 0:39
  question.
• 0:39
  Ralph,
• 0:39
  I've
• 0:40
  been
• 0:40
  paying
• 0:40
  on
• 0:40
  my
• 0:40
  credit
• 0:40
  cards
• 0:41
  for
• 0:41
  months
• 0:42
  and
• 0:42
  it
• 0:42
  feels
• 0:42
  like
• 0:42
  I'm
• 0:43
  getting
• 0:43
  nowhere.
• 0:44
  Every
• 0:44
  time
• 0:44
  I
• 0:44
  make
• 0:44
  a
• 0:44
  payment,
• 0:45
  the
• 0:45
  balance
• 0:45
  barely
• 0:46
  moves.
• 0:46
  It's
• 0:47
  discouraging.
• 0:48
  How
• 0:48
  do
• 0:48
  I
• 0:48
  stay
• 0:49
  hopeful
• 0:49
  when
• 0:49
  it
• 0:49
  feels
• 0:50
  like
• 0:50
  I'll
• 0:50
  never
• 0:50
  get
• 0:51
  out
• 0:51
  of
• 0:51
  debt?
• 0:52
  That
• 0:52
  is
• 0:52
  discouraging,
• 0:54
  and
• 0:54
  I
• 0:54
  totally
• 0:54
  understand
• 0:55
  that.
• 0:55
  You
• 0:55
  know,
• 0:56
  this
• 0:56
  is
• 0:56
  not
• 0:56
  easy.
• 0:58
  As
• 0:58
  we
• 0:58
  prepare
• 0:59
  for
• 0:59
  today's
• 0:59
  show,
• 0:59
  Abby,
• 1:00
  my
• 1:00
  producer,
• 1:00
  pulled
• 1:01
  some
• 1:01
  statistics.
• 1:01
  Listen
• 1:02
  to
• 1:02
  this
• 1:02
  one.
• 1:02
  The
• 1:02
  average
• 1:03
  credit
• 1:03
  card
• 1:03
  Debt
• 1:04
  is
• 1:04
  now
• 1:05
  $7,800.
• 1:07
  And
• 1:08
  when
• 1:08
  they
• 1:08
  surveyed,
• 1:09
  half
• 1:09
  the
• 1:09
  people
• 1:09
  feel
• 1:10
  like
• 1:10
  they'll
• 1:10
  never
• 1:10
  be
• 1:11
  free
• 1:11
  from
• 1:11
  that
• 1:11
  debt
• 1:12
  because
• 1:13
  so
• 1:13
  many
• 1:13
  people
• 1:13
  think
• 1:13
  freedom
• 1:14
  is
• 1:14
  about
• 1:14
  speed.
• 1:15
  Oh,
• 1:15
  I
• 1:16
  got
• 1:16
  to
• 1:16
  get
• 1:16
  it
• 1:16
  paid
• 1:16
  off
• 1:16
  right
• 1:16
  away.
• 1:17
  Listen,
• 1:17
  to
• 1:17
  be
• 1:17
  honest,
• 1:18
  you
• 1:18
  didn't
• 1:18
  get
• 1:19
  into
• 1:19
  debt
• 1:19
  overnight.
• 1:20
  It's
• 1:21
  not
• 1:21
  about
• 1:21
  speed.
• 1:21
  It's
• 1:22
  about
• 1:22
  direction.
• 1:23
  And
• 1:24
  listen,
• 1:24
  I
• 1:24
  get
• 1:24
  it.
• 1:25
  You're
• 1:25
  so
• 1:25
  frustrated
• 1:26
  by
• 1:26
  slow
• 1:27
  progress.
• 1:28
  But
• 1:28
  the
• 1:28
  thing
• 1:28
  you're
• 1:29
  not
• 1:29
  realizing
• 1:30
  is
• 1:30
  you've
• 1:30
  made
• 1:31
  small
• 1:31
  steps.
• 1:31
  You've
• 1:31
  made
• 1:32
  a
• 1:32
  commitment
• 1:32
  to
• 1:32
  paying
• 1:32
  it
• 1:33
  down.
• 1:33
  That's
• 1:33
  a
• 1:33
  huge
• 1:34
  thing.
• 1:35
  And
• 1:35
  I've
• 1:35
  seen
• 1:35
  people
• 1:36
  realize
• 1:36
  their
• 1:37
  progress
• 1:37
  later
• 1:37
  on
• 1:38
  by
• 1:38
  just
• 1:39
  starting
• 1:39
  small.
• 1:40
  And
• 1:41
  listen,
• 1:41
  being
• 1:41
  in
• 1:41
  debt
• 1:42
  can
• 1:42
  feel
• 1:42
  like
• 1:42
  you're
• 1:42
  standing
• 1:43
  still.
• 1:44
  But
• 1:44
  every
• 1:44
  single
• 1:45
  payment
• 1:45
  that
• 1:45
  you
• 1:46
  make
• 1:46
  is
• 1:46
  moving
• 1:46
  you
• 1:47
  forward.
• 1:47
  Because
• 1:48
  God's
• 1:48
  not
• 1:48
  asking
• 1:48
  you
• 1:49
  for
• 1:49
  perfection.
• 1:49
  He's
• 1:50
  asking
• 1:50
  you
• 1:50
  for
• 1:51
  persistence.
• 1:51
  So
• 1:51
  let's
• 1:52
  talk
• 1:52
  about
• 1:52
  finding
• 1:52
  that
• 1:53
  persistence
• 1:53
  on
• 1:54
  today's
• 1:54
  show.
• 1:56
  This
• 1:56
  is
• 1:56
  Financially
• 1:57
  Confident
• 1:57
  Christian,
• 1:58
  your
• 1:59
  daily
• 1:59
  dose
• 1:59
  of
• 1:59
  gospel
• 2:00
  grounded
• 2:00
  insight
• 2:01
  and
• 2:01
  faith
• 2:01
  driven
• 2:01
  tips
• 2:02
  to
• 2:02
  to
• 2:02
  help
• 2:03
  you
• 2:03
  break
• 2:03
  the
• 2:03
  cycle
• 2:03
  of
• 2:04
  financial
• 2:04
  shame
• 2:04
  with
• 2:05
  confidence.
• 2:07
  Hello
• 2:08
  there
• 2:08
  and
• 2:08
  welcome.
• 2:08
  I'm
• 2:09
  Ralph.
• 2:09
  Thank
• 2:09
  you
• 2:10
  so
• 2:10
  much
• 2:10
  for
• 2:10
  joining
• 2:10
  me
• 2:10
  today
• 2:11
  as
• 2:11
  we
• 2:11
  talk
• 2:11
  about
• 2:12
  how
• 2:12
  to
• 2:12
  break
• 2:12
  that
• 2:12
  cycle
• 2:13
  of
• 2:13
  financial
• 2:13
  shame
• 2:14
  and
• 2:14
  do
• 2:14
  it
• 2:14
  with
• 2:14
  confidence.
• 2:15
  We
• 2:15
  are
• 2:15
  in
• 2:15
  the
• 2:15
  midst
• 2:16
  of
• 2:16
  a
• 2:16
  December
• 2:16
  series,
• 2:17
  what
• 2:17
  I'm
• 2:17
  calling
• 2:17
  the
• 2:17
  December
• 2:18
  reset.
• 2:18
  A
• 2:19
  time
• 2:19
  to
• 2:19
  reflect,
• 2:20
  a
• 2:20
  time
• 2:20
  to
• 2:20
  refocus,
• 2:21
  and
• 2:21
  a
• 2:21
  time
• 2:22
  prepare
• 2:22
  for
• 2:22
  the
• 2:22
  new
• 2:22
  year.
• 2:22
  And
• 2:23
  today
• 2:23
  is
• 2:24
  a
• 2:24
  great
• 2:24
  thing
• 2:24
  to
• 2:24
  talk
• 2:25
  about.
• 2:25
  A
• 2:25
  lot
• 2:25
  of
• 2:25
  people
• 2:25
  get
• 2:26
  mired
• 2:26
  down
• 2:27
  in
• 2:27
  debt.
• 2:27
  Well,
• 2:27
  I
• 2:28
  want
• 2:28
  to
• 2:28
  share
• 2:28
  a
• 2:28
  story.
• 2:29
  Has
• 2:29
  nothing
• 2:29
  to
• 2:29
  do
• 2:29
  with
• 2:30
  debt.
• 2:30
  I.
• 2:30
  But
• 2:30
  it's
• 2:30
  all
• 2:31
  about
• 2:31
  being
• 2:31
  persistent
• 2:32
  and
• 2:33
  being
• 2:33
  in
• 2:33
  that
• 2:34
  progress.
• 2:35
  And
• 2:35
  if
• 2:35
  you've
• 2:35
  listened
• 2:35
  to
• 2:35
  the
• 2:36
  show,
• 2:36
  you
• 2:36
  know,
• 2:36
  I've
• 2:36
  talked
• 2:36
  a
• 2:36
  lot
• 2:37
  about
• 2:37
  my
• 2:37
  weight
• 2:37
  loss
• 2:38
  journey.
• 2:39
  I
• 2:39
  got
• 2:39
  up
• 2:39
  to
• 2:39
  a
• 2:40
  big
• 2:40
  fat
• 2:41
  430
• 2:41
  pounds
• 2:42
  at
• 2:42
  one
• 2:42
  point.
• 2:43
  There
• 2:43
  were
• 2:43
  times
• 2:43
  when
• 2:44
  I
• 2:44
  got
• 2:44
  to
• 2:44
  that
• 2:44
  point
• 2:44
  where
• 2:45
  the
• 2:45
  doctor
• 2:45
  said
• 2:45
  to
• 2:45
  me,
• 2:45
  ralph,
• 2:46
  you're
• 2:46
  not
• 2:46
  going
• 2:46
  to
• 2:46
  survive
• 2:47
  much
• 2:47
  longer.
• 2:48
  I
• 2:48
  knew
• 2:49
  that
• 2:49
  I
• 2:49
  needed
• 2:49
  to
• 2:49
  make
• 2:50
  a
• 2:50
  change.
• 2:51
  Now
• 2:51
  a
• 2:51
  lot
• 2:51
  of
• 2:51
  people
• 2:51
  say,
• 2:51
  okay,
• 2:52
  great,
• 2:52
  I
• 2:52
  bet
• 2:52
  you
• 2:52
  went
• 2:53
  on
• 2:53
  a
• 2:53
  Crash
• 2:53
  diet?
• 2:53
  Yeah.
• 2:54
  Over
• 2:54
  the
• 2:55
  last
• 2:55
  10
• 2:55
  years,
• 2:55
  I've
• 2:56
  been
• 2:56
  on
• 2:56
  about
• 2:56
  15
• 2:56
  crash
• 2:57
  diets
• 2:58
  and
• 2:58
  they
• 2:59
  never
• 2:59
  worked.
• 3:00
  Not
• 3:00
  one
• 3:01
  time.
• 3:01
  Yeah,
• 3:01
  I'd
• 3:01
  drop
• 3:01
  a
• 3:02
  few
• 3:02
  pounds.
• 3:02
  But
• 3:02
  then
• 3:02
  I
• 3:02
  gained
• 3:03
  it
• 3:03
  right
• 3:03
  back
• 3:03
  again.
• 3:04
  I
• 3:04
  knew
• 3:05
  that
• 3:05
  something
• 3:05
  had
• 3:05
  to
• 3:06
  change.
• 3:07
  And
• 3:07
  what
• 3:07
  changed
• 3:08
  this
• 3:08
  past
• 3:08
  time?
• 3:08
  I'm
• 3:08
  going
• 3:09
  to
• 3:09
  share
• 3:09
  some
• 3:09
  details
• 3:09
  with
• 3:10
  you.
• 3:10
  I
• 3:10
  just
• 3:10
  got
• 3:10
  on
• 3:10
  the
• 3:10
  scale
• 3:11
  this
• 3:11
  past
• 3:12
  Friday
• 3:13
  and
• 3:13
  since
• 3:13
  January
• 3:14
  1,
• 3:14
  I
• 3:15
  have
• 3:15
  now
• 3:15
  lost
• 3:15
  62
• 3:16
  pounds.
• 3:17
  That's
• 3:18
  just
• 3:18
  this
• 3:18
  year.
• 3:18
  Now,
• 3:19
  I
• 3:19
  don't
• 3:19
  say
• 3:19
  that
• 3:19
  to
• 3:19
  brag
• 3:20
  because
• 3:20
  guess
• 3:20
  what?
• 3:20
  This
• 3:21
  isn't
• 3:21
  about
• 3:21
  me.
• 3:22
  I
• 3:23
  haven't
• 3:23
  been
• 3:23
  faithful
• 3:24
  because
• 3:24
  at
• 3:24
  the
• 3:24
  beginning
• 3:24
  of
• 3:25
  this
• 3:25
  year,
• 3:25
  I
• 3:25
  said,
• 3:26
  God,
• 3:26
  I
• 3:26
  can't
• 3:26
  do
• 3:27
  this
• 3:27
  on
• 3:27
  my
• 3:27
  own.
• 3:28
  I
• 3:28
  saw
• 3:29
  this
• 3:29
  weight
• 3:29
  in
• 3:30
  front
• 3:30
  of
• 3:30
  me
• 3:30
  and
• 3:30
  I
• 3:30
  said,
• 3:30
  how
• 3:30
  am
• 3:31
  I
• 3:31
  ever
• 3:31
  going
• 3:31
  to
• 3:31
  fix
• 3:31
  this?
• 3:33
  But
• 3:33
  it
• 3:33
  was
• 3:33
  that
• 3:33
  consistency.
• 3:34
  It
• 3:34
  was
• 3:34
  that
• 3:34
  day
• 3:35
  in
• 3:35
  and
• 3:35
  day
• 3:35
  out
• 3:35
  decision.
• 3:36
  It
• 3:36
  was
• 3:36
  that
• 3:36
  faithfulness.
• 3:37
  Well,
• 3:38
  guess
• 3:38
  what?
• 3:38
  Debt
• 3:39
  works
• 3:39
  exactly
• 3:39
  the
• 3:40
  same
• 3:40
  way.
• 3:40
  You
• 3:41
  might
• 3:41
  be
• 3:41
  facing
• 3:42
  at
• 3:42
  a
• 3:42
  mountain
• 3:43
  of
• 3:43
  credit
• 3:43
  card
• 3:44
  debt.
• 3:44
  And
• 3:45
  listen,
• 3:45
  I've
• 3:45
  been
• 3:45
  there
• 3:46
  too.
• 3:46
  I
• 3:46
  remember
• 3:47
  when
• 3:47
  I
• 3:47
  just
• 3:47
  graduated
• 3:48
  from
• 3:48
  college,
• 3:49
  I
• 3:49
  just
• 3:49
  got
• 3:49
  married
• 3:50
  and
• 3:50
  man,
• 3:51
  I
• 3:51
  loved
• 3:51
  credit
• 3:52
  cards.
• 3:52
  Man,
• 3:52
  I
• 3:52
  was
• 3:52
  buying
• 3:53
  everything,
• 3:54
  setting
• 3:54
  up
• 3:54
  a
• 3:54
  new
• 3:54
  home
• 3:55
  and
• 3:55
  man,
• 3:55
  this,
• 3:55
  the
• 3:56
  debt
• 3:56
  pile
• 3:56
  just
• 3:56
  got
• 3:56
  higher
• 3:57
  and
• 3:57
  higher
• 3:58
  and
• 3:58
  higher.
• 4:00
  And
• 4:00
  it
• 4:00
  makes
• 4:00
  you
• 4:00
  feel
• 4:01
  weary
• 4:01
  at
• 4:01
  times
• 4:02
  because
• 4:02
  you're
• 4:03
  looking
• 4:03
  at
• 4:03
  it
• 4:03
  like,
• 4:03
  oh,
• 4:03
  there's
• 4:03
  no
• 4:04
  way
• 4:04
  I'm
• 4:04
  going
• 4:04
  to
• 4:04
  get
• 4:04
  past
• 4:04
  this.
• 4:05
  And
• 4:05
  maybe
• 4:06
  you've
• 4:06
  came
• 4:06
  up
• 4:07
  with
• 4:07
  a
• 4:07
  plan.
• 4:07
  That's
• 4:07
  great,
• 4:07
  you
• 4:07
  came
• 4:08
  up
• 4:08
  with
• 4:08
  a
• 4:08
  plan.
• 4:08
  But
• 4:08
  you're
• 4:08
  like,
• 4:08
  Ralph,
• 4:09
  I'm
• 4:09
  still
• 4:09
  not
• 4:09
  getting
• 4:09
  anywhere.
• 4:10
  I've
• 4:11
  been
• 4:11
  paying
• 4:11
  this
• 4:11
  for
• 4:11
  six
• 4:11
  months.
• 4:12
  I've
• 4:12
  been
• 4:12
  paying
• 4:12
  this
• 4:12
  for
• 4:12
  nine
• 4:13
  months.
• 4:13
  I
• 4:13
  remember
• 4:13
  being
• 4:13
  in
• 4:13
  that
• 4:14
  myself.
• 4:15
  I
• 4:15
  wrote
• 4:15
  down
• 4:15
  on
• 4:15
  a
• 4:16
  piece
• 4:16
  of
• 4:16
  paper
• 4:16
  all
• 4:16
  the
• 4:17
  credit
• 4:17
  cards
• 4:17
  and
• 4:17
  the
• 4:17
  balances.
• 4:18
  Man,
• 4:18
  I
• 4:19
  was
• 4:19
  shocked
• 4:20
  because
• 4:20
  I
• 4:20
  looked
• 4:20
  around,
• 4:21
  I
• 4:21
  was
• 4:21
  like,
• 4:21
  where
• 4:21
  did
• 4:21
  that
• 4:21
  stuff
• 4:22
  go?
• 4:22
  You
• 4:23
  might
• 4:23
  be
• 4:23
  thinking
• 4:23
  the
• 4:23
  same
• 4:24
  thing.
• 4:24
  Where
• 4:24
  did
• 4:24
  the
• 4:24
  money
• 4:24
  go?
• 4:25
  And
• 4:26
  I
• 4:26
  looked
• 4:26
  at
• 4:26
  that
• 4:26
  mountain
• 4:26
  and
• 4:27
  I
• 4:27
  said,
• 4:27
  how
• 4:27
  am
• 4:27
  I
• 4:27
  ever
• 4:27
  going
• 4:28
  to
• 4:28
  get
• 4:28
  past
• 4:28
  this?
• 4:28
  I
• 4:28
  did
• 4:28
  the
• 4:29
  same
• 4:29
  thing
• 4:29
  with
• 4:29
  my
• 4:29
  weight.
• 4:30
  I
• 4:30
  looked
• 4:30
  at
• 4:30
  that
• 4:31
  mountain.
• 4:32
  Well,
• 4:32
  if
• 4:32
  you're
• 4:32
  facing
• 4:32
  that
• 4:33
  mountain
• 4:33
  right
• 4:33
  now,
• 4:34
  I
• 4:35
  want
• 4:35
  to
• 4:35
  encourage
• 4:35
  you
• 4:35
  with
• 4:36
  the
• 4:36
  Bible
• 4:36
  verse.
• 4:36
  It
• 4:36
  comes
• 4:36
  from
• 4:37
  the
• 4:37
  book
• 4:37
  of
• 4:37
  Galatians.
• 4:37
  It's
• 4:38
  from
• 4:38
  chapter
• 4:38
  six,
• 4:39
  verse
• 4:39
  nine.
• 4:39
  It
• 4:39
  says,
• 4:40
  let
• 4:40
  us
• 4:40
  not
• 4:40
  grow
• 4:40
  weary
• 4:41
  in
• 4:41
  doing
• 4:41
  good.
• 4:42
  We
• 4:42
  will
• 4:42
  reap
• 4:43
  a
• 4:43
  harvest
• 4:43
  if
• 4:44
  we
• 4:44
  do
• 4:44
  not
• 4:44
  give
• 4:44
  up.
• 4:45
  So
• 4:45
  that's
• 4:45
  my
• 4:46
  encouragement
• 4:46
  today,
• 4:47
  because
• 4:47
  God
• 4:48
  measures
• 4:48
  faithfulness,
• 4:49
  not
• 4:49
  speed.
• 4:49
  It
• 4:50
  wasn't
• 4:50
  about
• 4:50
  speed.
• 4:50
  With
• 4:50
  my
• 4:51
  weight
• 4:51
  loss,
• 4:52
  it's
• 4:52
  not
• 4:52
  going
• 4:52
  to
• 4:52
  be
• 4:53
  about
• 4:53
  speed.
• 4:53
  The
• 4:53
  listener
• 4:54
  who
• 4:54
  put
• 4:54
  in
• 4:54
  that
• 4:54
  question
• 4:54
  about
• 4:55
  credit
• 4:55
  card
• 4:55
  debt
• 4:55
  or
• 4:55
  debt,
• 4:56
  it's
• 4:57
  not
• 4:57
  going
• 4:57
  to
• 4:57
  be
• 4:57
  about
• 4:57
  speed.
• 4:58
  It's
• 4:58
  going
• 4:58
  to
• 4:58
  be
• 4:58
  about
• 4:58
  that
• 4:58
  faithfulness.
• 5:00
  And
• 5:00
  you
• 5:00
  really
• 5:00
  have
• 5:01
  to
• 5:01
  be
• 5:01
  faithful
• 5:01
  in
• 5:01
  his
• 5:02
  timing.
• 5:03
  Because
• 5:03
  when
• 5:03
  you
• 5:03
  embrace
• 5:04
  his
• 5:04
  timing,
• 5:05
  it
• 5:05
  leads
• 5:05
  to
• 5:05
  peace.
• 5:06
  So
• 5:07
  here
• 5:07
  are
• 5:07
  some
• 5:07
  main
• 5:07
  points
• 5:07
  I
• 5:07
  want
• 5:08
  to
• 5:08
  talk
• 5:08
  about
• 5:08
  today.
• 5:08
  Here's
• 5:09
  the
• 5:09
  things
• 5:09
  I
• 5:09
  want
• 5:09
  you
• 5:09
  to
• 5:09
  really
• 5:10
  lean
• 5:10
  into.
• 5:11
  Every
• 5:12
  dollar
• 5:12
  that
• 5:12
  you
• 5:12
  pay
• 5:13
  on
• 5:13
  your
• 5:13
  debt
• 5:14
  is
• 5:14
  a
• 5:14
  declaration
• 5:15
  of
• 5:15
  freedom.
• 5:16
  You
• 5:16
  might
• 5:16
  be
• 5:17
  saying,
• 5:17
  Ralph,
• 5:17
  yeah,
• 5:17
  but
• 5:18
  man,
• 5:18
  I'm
• 5:18
  not
• 5:18
  getting
• 5:18
  anywhere.
• 5:19
  You
• 5:19
  are
• 5:19
  getting
• 5:19
  somewhere.
• 5:20
  You
• 5:20
  owe
• 5:21
  less
• 5:21
  now
• 5:22
  than
• 5:22
  when
• 5:22
  you
• 5:22
  started.
• 5:23
  That's
• 5:24
  progress.
• 5:24
  That's
• 5:25
  a
• 5:25
  declaration
• 5:25
  of,
• 5:26
  I'm
• 5:26
  not
• 5:26
  going
• 5:26
  to
• 5:27
  live
• 5:27
  with
• 5:27
  this
• 5:27
  anymore.
• 5:28
  That's
• 5:28
  a
• 5:28
  declaration
• 5:29
  of
• 5:29
  freedom.
• 5:30
  And
• 5:31
  because
• 5:31
  you're
• 5:31
  continuing
• 5:32
  to
• 5:32
  do
• 5:32
  it,
• 5:32
  you're
• 5:33
  being
• 5:33
  faithful.
• 5:34
  Nae
• 5:34
  mine
• 5:35
  say,
• 5:35
  listen,
• 5:35
  it's
• 5:35
  like
• 5:35
  the
• 5:35
  old
• 5:36
  tortoise
• 5:36
  and
• 5:36
  the
• 5:36
  hare
• 5:36
  thing,
• 5:37
  right?
• 5:37
  Everybody
• 5:38
  says,
• 5:38
  whoa,
• 5:38
  the
• 5:38
  hare
• 5:38
  is
• 5:38
  fast.
• 5:39
  They're
• 5:39
  gonna
• 5:39
  always
• 5:39
  win.
• 5:41
  Doesn't
• 5:41
  always
• 5:41
  work
• 5:41
  that
• 5:42
  way.
• 5:42
  It's
• 5:43
  that
• 5:43
  faithfulness.
• 5:43
  It's
• 5:44
  that
• 5:44
  day
• 5:44
  in
• 5:44
  and
• 5:45
  day
• 5:45
  out,
• 5:45
  that
• 5:45
  month
• 5:45
  in
• 5:46
  and
• 5:46
  month
• 5:46
  out
• 5:47
  commitment
• 5:47
  that
• 5:47
  I'm
• 5:48
  not
• 5:48
  gonna
• 5:48
  charge
• 5:48
  up
• 5:48
  the
• 5:49
  credit
• 5:49
  cards
• 5:49
  anymore.
• 5:50
  I
• 5:50
  going
• 5:50
  to
• 5:50
  pay
• 5:51
  that
• 5:51
  mountain
• 5:51
  down
• 5:52
  and
• 5:53
  adjust
• 5:53
  the
• 5:54
  plan,
• 5:54
  not
• 5:55
  the
• 5:55
  purpose.
• 5:55
  Maybe
• 5:55
  you,
• 5:56
  maybe
• 5:56
  you
• 5:56
  feel
• 5:56
  like
• 5:56
  I'm
• 5:56
  not
• 5:57
  getting
• 5:57
  far
• 5:57
  enough.
• 5:57
  Okay,
• 5:57
  well
• 5:58
  then
• 5:58
  go
• 5:58
  look
• 5:58
  at
• 5:58
  your
• 5:58
  budget
• 5:59
  again.
• 5:59
  Can
• 5:59
  you
• 6:00
  find
• 6:00
  10
• 6:00
  extra
• 6:01
  dollars
• 6:01
  a
• 6:01
  month
• 6:01
  or
• 6:02
  25
• 6:02
  extra
• 6:03
  dollars
• 6:03
  a
• 6:03
  month?
• 6:04
  Your
• 6:04
  purpose
• 6:04
  is
• 6:05
  still
• 6:05
  set
• 6:05
  on
• 6:06
  getting
• 6:06
  out
• 6:07
  of
• 6:07
  debt.
• 6:07
  Ask
• 6:08
  yourself
• 6:08
  this,
• 6:09
  what
• 6:09
  are
• 6:09
  some
• 6:09
  small
• 6:10
  wins
• 6:10
  you
• 6:10
  can
• 6:10
  celebrate
• 6:11
  this
• 6:11
  very
• 6:11
  month?
• 6:12
  Maybe
• 6:12
  for
• 6:13
  you
• 6:13
  it's,
• 6:13
  hey,
• 6:13
  this
• 6:13
  is
• 6:13
  a
• 6:14
  win.
• 6:14
  I
• 6:14
  didn't
• 6:14
  put
• 6:14
  anything
• 6:14
  new
• 6:15
  on
• 6:15
  the
• 6:15
  credit
• 6:15
  cards.
• 6:15
  That's
• 6:16
  huge.
• 6:16
  If
• 6:17
  you
• 6:17
  were
• 6:17
  like
• 6:17
  me,
• 6:18
  you're
• 6:18
  always
• 6:18
  putting
• 6:19
  stuff
• 6:19
  on
• 6:19
  them.
• 6:19
  That's
• 6:20
  two
• 6:20
  steps
• 6:20
  forward,
• 6:21
  two
• 6:21
  steps
• 6:21
  back.
• 6:21
  You're
• 6:21
  not
• 6:22
  getting
• 6:22
  anywhere.
• 6:22
  But
• 6:23
  maybe
• 6:23
  for
• 6:23
  you,
• 6:23
  that
• 6:24
  win
• 6:24
  was,
• 6:24
  you
• 6:24
  didn't
• 6:25
  add
• 6:25
  any
• 6:25
  debt
• 6:25
  to
• 6:25
  it.
• 6:26
  That's
• 6:26
  huge.
• 6:27
  Because
• 6:27
  when
• 6:27
  you
• 6:28
  shift
• 6:28
  that
• 6:29
  frustration
• 6:30
  into
• 6:30
  gratitude,
• 6:32
  it
• 6:32
  changes
• 6:33
  the
• 6:33
  dynamic.
• 6:33
  And
• 6:33
  you
• 6:34
  want
• 6:34
  to
• 6:34
  get
• 6:34
  somewhere
• 6:34
  with
• 6:34
  this.
• 6:35
  You
• 6:35
  really
• 6:35
  want
• 6:35
  to
• 6:36
  accomplish
• 6:36
  paying
• 6:36
  down
• 6:37
  that
• 6:37
  debt,
• 6:38
  turn
• 6:38
  that
• 6:38
  frustration
• 6:39
  into
• 6:40
  gratitude
• 6:40
  and
• 6:41
  celebrate
• 6:41
  those
• 6:42
  small
• 6:42
  wins.
• 6:43
  Well,
• 6:43
  as
• 6:43
  we're
• 6:43
  celebrating
• 6:44
  right
• 6:44
  now,
• 6:44
  how
• 6:44
  about
• 6:44
  we
• 6:45
  pray
• 6:45
  for
• 6:45
  some
• 6:45
  help
• 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
  We
• 6:47
  are
• 6:48
  so
• 6:48
  grateful
• 6:48
  for
• 6:48
  those
• 6:49
  small
• 6:49
  wins
• 6:49
  or
• 6:50
  that
• 6:50
  small
• 6:50
  progress
• 6:51
  that
• 6:51
  we
• 6:51
  see
• 6:51
  that
• 6:51
  you
• 6:52
  are
• 6:52
  making
• 6:52
  an
• 6:52
  impact
• 6:53
  in
• 6:53
  our
• 6:53
  life.
• 6:53
  And
• 6:54
  Lord,
• 6:54
  we
• 6:54
  just
• 6:54
  ask
• 6:54
  you
• 6:55
  to
• 6:55
  help
• 6:55
  us
• 6:55
  to
• 6:55
  stay
• 6:56
  strong
• 6:56
  and
• 6:56
  be
• 6:56
  faithful
• 6:57
  in
• 6:57
  this
• 6:57
  journey.
• 6:58
  We
• 6:58
  know
• 6:58
  it's
• 6:58
  not
• 6:58
  easy,
• 6:59
  Lord.
• 6:59
  We
• 6:59
  know
• 7:00
  it's
• 7:00
  a
• 7:00
  day
• 7:00
  in
• 7:00
  and
• 7:01
  day
• 7:01
  out
• 7:01
  decision,
• 7:02
  Lord,
• 7:02
  and
• 7:02
  we
• 7:02
  just
• 7:03
  have
• 7:03
  hope
• 7:03
  in
• 7:03
  your
• 7:03
  timing,
• 7:04
  not
• 7:04
  in
• 7:04
  our
• 7:05
  timing.
• 7:05
  It's
• 7:05
  so
• 7:05
  easy
• 7:05
  to
• 7:06
  get
• 7:06
  stuck
• 7:06
  on
• 7:06
  our
• 7:06
  timing,
• 7:06
  Lord,
• 7:07
  but
• 7:07
  we
• 7:07
  know
• 7:07
  you've
• 7:08
  got
• 7:08
  the
• 7:08
  answer.
• 7:09
  And
• 7:09
  Lord,
• 7:09
  just
• 7:10
  help
• 7:10
  us
• 7:10
  to
• 7:10
  have
• 7:10
  freedom
• 7:11
  from
• 7:11
  that
• 7:11
  shame
• 7:12
  and
• 7:12
  that
• 7:12
  freedom
• 7:13
  from
• 7:13
  that
• 7:13
  feeling
• 7:13
  of
• 7:13
  comparison.
• 7:14
  Because
• 7:14
  we
• 7:14
  know
• 7:14
  in
• 7:15
  so
• 7:15
  many
• 7:15
  ways,
• 7:16
  a
• 7:16
  lot
• 7:16
  of
• 7:16
  times
• 7:16
  it's
• 7:17
  that
• 7:17
  comparison
• 7:17
  trap
• 7:18
  that
• 7:18
  leads
• 7:18
  us
• 7:19
  into
• 7:19
  debt.
• 7:19
  So,
• 7:19
  Lord,
• 7:20
  we
• 7:20
  just
• 7:20
  thank
• 7:20
  you
• 7:21
  for
• 7:21
  your
• 7:21
  graciousness.
• 7:22
  We
• 7:22
  thank
• 7:22
  you
• 7:22
  for
• 7:22
  the
• 7:22
  provision
• 7:23
  you
• 7:23
  give
• 7:23
  us
• 7:23
  in
• 7:23
  our
• 7:23
  lives
• 7:24
  when
• 7:24
  we
• 7:24
  ask
• 7:24
  this
• 7:24
  in
• 7:24
  the
• 7:25
  name
• 7:25
  of
• 7:25
  Jesus,
• 7:26
  Amen.
• 7:26
  Here's
• 7:27
  your
• 7:27
  action
• 7:27
  item
• 7:27
  for
• 7:28
  today.
• 7:28
  I
• 7:28
  want
• 7:28
  you
• 7:29
  to
• 7:29
  really
• 7:29
  celebrate
• 7:29
  some
• 7:30
  wins.
• 7:30
  Write
• 7:31
  down
• 7:31
  how
• 7:31
  much
• 7:31
  debt
• 7:32
  you've
• 7:32
  paid
• 7:32
  off
• 7:32
  this
• 7:32
  year.
• 7:33
  You
• 7:33
  might
• 7:33
  be
• 7:33
  saying,
• 7:34
  ralph,
• 7:34
  I've
• 7:35
  only
• 7:35
  paid
• 7:35
  down
• 7:35
  $100
• 7:36
  of
• 7:36
  debt
• 7:36
  this
• 7:36
  year.
• 7:37
  Well,
• 7:37
  guess
• 7:37
  what?
• 7:38
  That's
• 7:38
  $100
• 7:38
  of
• 7:39
  debt
• 7:39
  that
• 7:39
  you
• 7:39
  don't
• 7:39
  have
• 7:39
  anymore.
• 7:40
  That's
• 7:40
  a
• 7:41
  win.
• 7:41
  You
• 7:41
  didn't
• 7:41
  charge
• 7:42
  it
• 7:42
  up,
• 7:42
  you
• 7:42
  didn't
• 7:42
  add
• 7:43
  to
• 7:43
  it.
• 7:43
  And
• 7:43
  then
• 7:44
  the
• 7:44
  next
• 7:44
  thing,
• 7:44
  thank
• 7:44
  God
• 7:45
  for
• 7:45
  it.
• 7:46
  And
• 7:46
  then
• 7:46
  ask
• 7:46
  for
• 7:47
  one
• 7:47
  step
• 7:47
  of
• 7:47
  faith
• 7:48
  to
• 7:48
  take
• 7:48
  next.
• 7:49
  Because
• 7:50
  guess
• 7:50
  what,
• 7:50
  you
• 7:50
  can
• 7:51
  do
• 7:51
  this.
• 7:51
  And
• 7:52
  if
• 7:52
  you're
• 7:52
  looking
• 7:52
  for
• 7:52
  encouragement,
• 7:53
  if
• 7:53
  you're
• 7:54
  looking
• 7:54
  for
• 7:54
  accountability,
• 7:54
  I
• 7:55
  want
• 7:55
  to
• 7:55
  invite
• 7:55
  you
• 7:55
  to
• 7:55
  our
• 7:55
  group.
• 7:56
  It's
• 7:56
  called
• 7:56
  the
• 7:56
  Financially
• 7:57
  Confident
• 7:57
  Christian
• 7:57
  Community.
• 7:58
  It's
• 7:59
  a
• 7:59
  wonderful
• 7:59
  place
• 7:59
  to
• 8:00
  go
• 8:00
  and
• 8:00
  interact
• 8:01
  with
• 8:01
  people
• 8:01
  just
• 8:01
  like
• 8:02
  you
• 8:02
  who
• 8:02
  are
• 8:02
  trying
• 8:02
  to
• 8:03
  break
• 8:03
  that
• 8:03
  cycle
• 8:03
  of
• 8:04
  financial
• 8:04
  shame
• 8:04
  and
• 8:04
  do
• 8:05
  it
• 8:05
  with
• 8:05
  confidence.
• 8:05
  And
• 8:06
  it'
• 8:06
  easy
• 8:07
  to
• 8:07
  get
• 8:07
  there.
• 8:07
  Just
• 8:07
  go
• 8:08
  to
• 8:08
  financiallyconfidentchristian.com/join
• 8:11
  again.
• 8:11
  That's
• 8:12
  financiallyconfidentchristian.com/Join.
• 8:14
  It
• 8:15
  won't
• 8:15
  cost
• 8:15
  you
• 8:15
  a
• 8:15
  dime.
• 8:15
  You
• 8:16
  can
• 8:16
  join
• 8:16
  for
• 8:16
  free.
• 8:16
  I'm
• 8:17
  putting
• 8:17
  a
• 8:17
  lot
• 8:17
  of
• 8:17
  content
• 8:18
  over
• 8:18
  there,
• 8:18
  absolutely
• 8:18
  free.
• 8:19
  Now
• 8:19
  if
• 8:19
  you're
• 8:19
  interested
• 8:20
  in
• 8:20
  supporting
• 8:20
  the
• 8:21
  show,
• 8:21
  there
• 8:21
  are
• 8:21
  three
• 8:22
  additional
• 8:22
  tiers
• 8:23
  where
• 8:23
  you
• 8:23
  can
• 8:23
  sponsor
• 8:23
  the
• 8:24
  show.
• 8:24
  But
• 8:24
  again,
• 8:24
  that's
• 8:26
  at
• 8:27
  financiallyconfidentchristian.com/join.
• 8:28
  And
• 8:29
  as
• 8:29
  I
• 8:29
  close
• 8:29
  today,
• 8:30
  remember
• 8:30
  this
• 8:31
  small
• 8:31
  wins
• 8:32
  matter
• 8:33
  because
• 8:33
  God
• 8:33
  sees
• 8:34
  your
• 8:34
  effort
• 8:34
  and
• 8:34
  you're
• 8:34
  closer
• 8:35
  to
• 8:35
  freedom
• 8:35
  than
• 8:35
  you
• 8:35
  think.
• 8:36
  I
• 8:36
  just
• 8:36
  want
• 8:36
  to
• 8:37
  encourage
• 8:37
  you
• 8:37
  right
• 8:37
  now.
• 8:38
  You
• 8:38
  can
• 8:38
  do
• 8:38
  this.
• 8:39
  Go
• 8:39
  out
• 8:39
  there
• 8:39
  today
• 8:40
  and
• 8:40
  be
• 8:40
  a
• 8:41
  financially
• 8:41
  competent
• 8:41
  Christian.
• 8:42
  I
• 8:42
  have
• 8:42
  confidence
• 8:42
  in
• 8:43
  you.
• 8:43
  Have
• 8:44
  confidence
• 8:44
  in
• 8:44
  yourself.
• 8:45
  Because
• 8:45
  guess
• 8:45
  what?
• 8:46
  God
• 8:46
  has
• 8:46
  confidence
• 8:47
  in
• 8:47
  you
• 8:47
  and
• 8:47
  he
• 8:47
  wants
• 8:47
  you
• 8:48
  to
• 8:48
  be
• 8:48
  successful.
• 8:49
  So
• 8:49
  stay
• 8:49
  financially
• 8:50
  savvy
• 8:50
  today.
• 8:51
  God
• 8:51
  bless
• 8:51
  you.
• 8:51
  And
• 8:52
  I'll
• 8:52
  see
• 8:52
  you
• 8:52
  again
• 8:52
  tomorrow
• 8:53
  on
• 8:53
  the
• 8:53
  show.