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Transcript

Why Do I Still Feel the Urge to Spend Even When I’m Doing Well? · Becoming Financially Confident

• 0:37
  What
• 0:38
  do
• 0:38
  you
• 0:38
  do
• 0:38
  when
• 0:38
  you're
• 0:38
  doing
• 0:39
  everything
• 0:39
  right
• 0:40
  financially,
• 0:41
  but
• 0:41
  you
• 0:41
  still
• 0:42
  feel
• 0:42
  that
• 0:42
  urge
• 0:42
  to
• 0:43
  spend?
• 0:44
  On
• 0:44
  this
• 0:44
  episode,
• 0:44
  I
• 0:45
  talked
• 0:45
  to
• 0:45
  someone
• 0:45
  in
• 0:46
  their
• 0:46
  30s
• 0:46
  who's
• 0:47
  debt
• 0:47
  free.
• 0:47
  They're
• 0:48
  earning
• 0:48
  well,
• 0:48
  they're
• 0:49
  investing
• 0:49
  for
• 0:49
  retirement,
• 0:50
  but
• 0:51
  they
• 0:51
  can't
• 0:51
  shake
• 0:51
  that
• 0:52
  pool
• 0:52
  to
• 0:52
  spend
• 0:52
  money.
• 0:54
  Is
• 0:54
  this
• 0:54
  really
• 0:54
  a
• 0:54
  budgeting
• 0:55
  problem
• 0:56
  or
• 0:56
  is
• 0:56
  this
• 0:56
  money
• 0:57
  trying
• 0:57
  to
• 0:57
  tell
• 0:57
  them
• 0:58
  something
• 0:58
  deeper?
• 0:59
  We're
• 0:59
  going
• 0:59
  to
• 0:59
  break
• 1:00
  that
• 1:00
  down
• 1:00
  on
• 1:00
  today's
• 1:00
  show.
• 1:22
  Hey,
• 1:22
  friend.
• 1:22
  Ralph
• 1:23
  Estep
• 1:23
  Jr.
• 1:24
  Here.
• 1:24
  Welcome
• 1:25
  to
• 1:25
  Financially
• 1:26
  Confident
• 1:26
  Christian,
• 1:27
  where
• 1:27
  our
• 1:27
  goal
• 1:28
  is
• 1:28
  to
• 1:28
  break
• 1:28
  that
• 1:28
  cycle
• 1:29
  of
• 1:29
  financial
• 1:29
  shame
• 1:30
  and
• 1:31
  help
• 1:31
  you
• 1:31
  find
• 1:31
  confidence.
• 1:33
  And
• 1:33
  today
• 1:33
  is
• 1:33
  one
• 1:33
  of
• 1:34
  those
• 1:34
  sticky
• 1:34
  topics
• 1:35
  that
• 1:35
  so
• 1:35
  many
• 1:35
  of
• 1:36
  us
• 1:36
  deal
• 1:36
  with.
• 1:36
  And
• 1:36
  that's
• 1:37
  that
• 1:37
  urgent
• 1:37
  urge
• 1:38
  to
• 1:38
  spend
• 1:38
  when
• 1:39
  we're
• 1:39
  doing
• 1:39
  well.
• 1:40
  Let's
• 1:40
  get
• 1:40
  right
• 1:41
  into
• 1:41
  today's
• 1:41
  listener
• 1:42
  question.
• 1:42
  Listener
• 1:43
  wrote
• 1:43
  this
• 1:43
  Ralph
• 1:44
  I'm
• 1:44
  in
• 1:45
  my
• 1:45
  30s,
• 1:46
  I'm
• 1:46
  earning
• 1:46
  well,
• 1:47
  I'm
• 1:47
  debt
• 1:47
  free,
• 1:48
  and
• 1:48
  I've
• 1:48
  got
• 1:49
  a
• 1:49
  decent
• 1:49
  amount
• 1:49
  in
• 1:49
  retirement
• 1:50
  investments.
• 1:50
  Let
• 1:51
  me
• 1:51
  just
• 1:51
  stop
• 1:51
  there.
• 1:51
  That's
• 1:52
  fantastic.
• 1:52
  You're
• 1:53
  doing
• 1:53
  the
• 1:53
  right
• 1:53
  things.
• 1:54
  But
• 1:54
  they
• 1:54
  continue
• 1:55
  on.
• 1:55
  But
• 1:55
  lately
• 1:56
  I've
• 1:56
  had
• 1:56
  a
• 1:57
  strong
• 1:57
  urge
• 1:57
  to
• 1:58
  spend
• 1:58
  money
• 1:59
  and
• 1:59
  I
• 1:59
  really
• 2:00
  don't
• 2:00
  understand
• 2:00
  why.
• 2:01
  I've
• 2:02
  tried
• 2:02
  locking
• 2:03
  money
• 2:03
  into
• 2:03
  ETFs.
• 2:05
  Those
• 2:05
  are
• 2:05
  what's
• 2:05
  called
• 2:05
  exchange
• 2:06
  traded
• 2:06
  funds,
• 2:07
  by
• 2:07
  the
• 2:07
  way.
• 2:08
  I've
• 2:08
  tried
• 2:08
  buying
• 2:08
  essentials
• 2:09
  in
• 2:09
  bulk.
• 2:09
  I'm
• 2:10
  giving
• 2:10
  gifts,
• 2:10
  I'm
• 2:10
  even
• 2:11
  allowing
• 2:11
  some
• 2:11
  small
• 2:12
  purchases.
• 2:13
  Nothing
• 2:14
  seems
• 2:14
  to
• 2:14
  stop
• 2:14
  the
• 2:14
  urge.
• 2:16
  Even
• 2:16
  when
• 2:16
  I
• 2:16
  don't
• 2:16
  touch
• 2:17
  my
• 2:17
  money,
• 2:17
  the
• 2:17
  feeling
• 2:18
  comes
• 2:18
  back.
• 2:20
  I
• 2:20
  feel
• 2:20
  a
• 2:20
  little
• 2:20
  bit
• 2:21
  lost
• 2:21
  on
• 2:21
  what
• 2:21
  to
• 2:21
  do.
• 2:22
  Should
• 2:23
  I
• 2:23
  keep
• 2:23
  locking
• 2:23
  my
• 2:24
  money
• 2:24
  away
• 2:24
  or
• 2:24
  is
• 2:24
  there
• 2:25
  something
• 2:25
  I'm
• 2:26
  missing?
• 2:28
  I
• 2:28
  love
• 2:29
  this
• 2:30
  question
• 2:32
  because
• 2:32
  this
• 2:32
  is
• 2:32
  deeper
• 2:33
  than
• 2:33
  spending.
• 2:34
  That's
• 2:34
  why
• 2:34
  I
• 2:34
  love
• 2:34
  this
• 2:34
  show.
• 2:35
  This
• 2:35
  show's
• 2:35
  not
• 2:35
  only
• 2:36
  about
• 2:36
  money,
• 2:36
  it's
• 2:36
  about
• 2:37
  the
• 2:37
  other
• 2:37
  side
• 2:37
  of
• 2:37
  that.
• 2:38
  Because
• 2:39
  here's
• 2:39
  the
• 2:39
  thing.
• 2:39
  You've
• 2:40
  already
• 2:40
  shown
• 2:40
  you
• 2:41
  can
• 2:41
  manage
• 2:41
  money
• 2:41
  well.
• 2:42
  You've
• 2:42
  got
• 2:42
  money
• 2:43
  in
• 2:43
  retirement,
• 2:44
  you
• 2:44
  got
• 2:44
  good
• 2:44
  income
• 2:45
  coming
• 2:45
  in,
• 2:45
  you're
• 2:45
  making
• 2:46
  all
• 2:46
  the
• 2:46
  right
• 2:46
  decisions.
• 2:48
  So
• 2:48
  the
• 2:48
  question
• 2:48
  for
• 2:49
  you
• 2:49
  isn't
• 2:49
  how
• 2:49
  can
• 2:50
  I
• 2:50
  control
• 2:50
  this
• 2:50
  better?
• 2:51
  It's
• 2:52
  really
• 2:52
  what
• 2:52
  is
• 2:53
  this
• 2:53
  urge
• 2:53
  trying
• 2:54
  to
• 2:54
  tell
• 2:54
  me?
• 2:56
  And
• 2:56
  that
• 2:56
  urge
• 2:57
  to
• 2:57
  spend
• 2:57
  is
• 2:57
  often
• 2:58
  a
• 2:58
  signal,
• 2:59
  not
• 2:59
  a
• 2:59
  discipline
• 3:00
  problem.
• 3:01
  Let's
• 3:01
  get
• 3:01
  into
• 3:01
  today's
• 3:02
  solution.
• 3:03
  You've
• 3:03
  got
• 3:03
  to
• 3:03
  stop
• 3:04
  treating
• 3:04
  this
• 3:04
  like
• 3:04
  a
• 3:05
  self
• 3:05
  control
• 3:05
  issue.
• 3:07
  You've
• 3:07
  already
• 3:07
  proven
• 3:07
  discipline.
• 3:08
  You've
• 3:08
  already
• 3:09
  proven
• 3:09
  that
• 3:09
  you
• 3:09
  can
• 3:09
  control
• 3:10
  yourself.
• 3:10
  You're
• 3:11
  saving,
• 3:11
  you're
• 3:12
  investing,
• 3:13
  you're
• 3:13
  thinking
• 3:13
  long
• 3:14
  term.
• 3:15
  So
• 3:15
  this
• 3:15
  isn't
• 3:16
  about
• 3:16
  a
• 3:16
  lack
• 3:17
  of
• 3:17
  control
• 3:17
  or
• 3:17
  self
• 3:18
  control.
• 3:19
  It's
• 3:19
  about
• 3:20
  something
• 3:20
  underneath
• 3:21
  that
• 3:21
  hasn't
• 3:21
  been
• 3:22
  addressed,
• 3:23
  which
• 3:23
  is
• 3:24
  where
• 3:24
  we
• 3:24
  got
• 3:24
  to
• 3:24
  Go.
• 3:24
  Next
• 3:26
  we.
• 3:26
  You
• 3:26
  got
• 3:26
  to
• 3:26
  try
• 3:26
  to
• 3:26
  figure
• 3:27
  out
• 3:27
  what
• 3:27
  spending
• 3:28
  is
• 3:28
  trying
• 3:28
  to
• 3:28
  provide.
• 3:30
  Spending
• 3:31
  gives
• 3:31
  us
• 3:31
  something,
• 3:33
  even
• 3:33
  if
• 3:33
  it's
• 3:33
  temporary.
• 3:35
  Some
• 3:36
  of
• 3:36
  us,
• 3:36
  it's
• 3:36
  stimulation,
• 3:38
  it's
• 3:38
  from
• 3:38
  boredom.
• 3:39
  Talked
• 3:40
  about
• 3:40
  that
• 3:40
  on
• 3:40
  the
• 3:40
  show
• 3:40
  many
• 3:41
  times.
• 3:41
  It's
• 3:41
  a
• 3:41
  reward,
• 3:42
  it's
• 3:43
  relief,
• 3:44
  it's
• 3:44
  a
• 3:44
  sense
• 3:44
  of
• 3:44
  progress.
• 3:46
  And
• 3:46
  I
• 3:47
  got
• 3:47
  a
• 3:47
  feeling
• 3:47
  there
• 3:47
  might
• 3:48
  be
• 3:48
  something
• 3:48
  deeper
• 3:49
  going
• 3:49
  on
• 3:49
  here.
• 3:50
  You
• 3:50
  didn't
• 3:50
  say
• 3:50
  it
• 3:50
  in
• 3:51
  your
• 3:51
  question,
• 3:51
  but
• 3:51
  I
• 3:51
  think
• 3:51
  it
• 3:52
  might
• 3:52
  be
• 3:52
  something
• 3:52
  like
• 3:53
  if
• 3:54
  your
• 3:54
  life
• 3:54
  has
• 3:54
  been
• 3:54
  focused
• 3:55
  on
• 3:55
  restraint.
• 3:56
  See,
• 3:57
  you're
• 3:57
  doing
• 3:57
  all
• 3:57
  the
• 3:57
  right
• 3:57
  things.
• 3:58
  You're
• 3:58
  saving,
• 3:59
  making
• 3:59
  wise
• 4:00
  decisions.
• 4:01
  Your
• 4:02
  mind
• 4:02
  may
• 4:02
  just
• 4:02
  be
• 4:02
  looking
• 4:03
  for
• 4:03
  release.
• 4:05
  So
• 4:05
  here's
• 4:05
  the
• 4:05
  thing.
• 4:06
  I'm
• 4:06
  going
• 4:06
  to
• 4:06
  encourage
• 4:06
  you.
• 4:06
  One
• 4:07
  problem
• 4:07
  I
• 4:07
  see
• 4:07
  here
• 4:07
  is
• 4:08
  you
• 4:08
  need
• 4:08
  to
• 4:08
  understand
• 4:09
  the
• 4:09
  delayed
• 4:10
  reward
• 4:10
  tension.
• 4:11
  It's
• 4:11
  going
• 4:11
  to
• 4:11
  be
• 4:12
  a
• 4:12
  little
• 4:12
  deeper.
• 4:13
  You've
• 4:13
  been
• 4:13
  doing
• 4:13
  the
• 4:14
  right
• 4:14
  things,
• 4:15
  but
• 4:15
  all
• 4:15
  the
• 4:15
  things
• 4:16
  you've
• 4:16
  talked
• 4:16
  about
• 4:17
  have
• 4:17
  delayed
• 4:18
  rewards.
• 4:19
  Your
• 4:19
  investments,
• 4:20
  that's
• 4:20
  a
• 4:20
  delayed
• 4:20
  reward.
• 4:21
  Savings,
• 4:22
  that's
• 4:22
  a
• 4:22
  delayed
• 4:23
  reward.
• 4:23
  Your
• 4:24
  retirement,
• 4:24
  that
• 4:24
  future
• 4:25
  security,
• 4:26
  those
• 4:26
  are
• 4:26
  all
• 4:26
  things
• 4:26
  down
• 4:27
  the
• 4:27
  road.
• 4:28
  And
• 4:29
  when
• 4:29
  everything
• 4:29
  is
• 4:29
  being
• 4:30
  pushed
• 4:30
  into
• 4:30
  the
• 4:30
  future,
• 4:32
  your
• 4:33
  present
• 4:33
  can
• 4:33
  start
• 4:33
  to
• 4:33
  feel
• 4:34
  empty.
• 4:34
  You
• 4:34
  might
• 4:34
  be
• 4:34
  saying
• 4:35
  to
• 4:35
  myself,
• 4:35
  oh,
• 4:35
  Ralph,
• 4:36
  what
• 4:36
  am
• 4:36
  I
• 4:36
  doing
• 4:36
  this
• 4:37
  for?
• 4:37
  I
• 4:37
  don't
• 4:37
  have
• 4:37
  any
• 4:38
  enjoyment.
• 4:38
  I
• 4:38
  see
• 4:39
  my
• 4:39
  friends,
• 4:39
  they
• 4:39
  got
• 4:39
  brand
• 4:40
  new
• 4:40
  cars,
• 4:40
  they're
• 4:40
  going
• 4:41
  on
• 4:41
  trips,
• 4:41
  they're
• 4:41
  doing
• 4:41
  all
• 4:42
  these
• 4:42
  wonderful
• 4:42
  things.
• 4:43
  I
• 4:43
  know
• 4:43
  I'm
• 4:44
  doing
• 4:44
  the
• 4:44
  right
• 4:44
  thing,
• 4:44
  but
• 4:44
  it
• 4:45
  just
• 4:45
  doesn't
• 4:45
  feel
• 4:46
  right.
• 4:47
  So
• 4:47
  here's
• 4:47
  what
• 4:47
  I'm
• 4:48
  encouraging
• 4:48
  you
• 4:48
  to
• 4:48
  do.
• 4:48
  You've
• 4:49
  got
• 4:49
  to
• 4:49
  create
• 4:50
  intentional,
• 4:50
  controlled
• 4:51
  enjoyment
• 4:51
  in
• 4:52
  your
• 4:52
  life.
• 4:53
  You
• 4:53
  sound
• 4:53
  like
• 4:53
  somebody
• 4:54
  that
• 4:54
  structures
• 4:55
  things.
• 4:55
  You
• 4:56
  gotta
• 4:56
  have
• 4:56
  a
• 4:56
  little
• 4:56
  shift
• 4:56
  here.
• 4:57
  Not
• 4:58
  restriction,
• 4:58
  but
• 4:58
  structure.
• 5:00
  Instead
• 5:00
  of
• 5:00
  resisting
• 5:01
  the
• 5:01
  urge
• 5:01
  completely,
• 5:02
  you
• 5:02
  set
• 5:02
  it.
• 5:02
  You're
• 5:02
  feeling
• 5:03
  this
• 5:03
  thing.
• 5:04
  You
• 5:04
  feel
• 5:04
  like
• 5:04
  you
• 5:04
  need
• 5:05
  to
• 5:05
  spend
• 5:05
  money.
• 5:06
  Here's
• 5:06
  an
• 5:06
  idea.
• 5:07
  Set
• 5:07
  a
• 5:07
  defined
• 5:08
  enjoyment
• 5:08
  amount.
• 5:09
  Put
• 5:09
  it
• 5:09
  right
• 5:09
  into
• 5:10
  your
• 5:10
  budget.
• 5:11
  Here's
• 5:11
  what
• 5:11
  I'm
• 5:12
  going
• 5:12
  to
• 5:12
  give
• 5:12
  myself
• 5:12
  as
• 5:13
  a
• 5:13
  little
• 5:13
  bit
• 5:13
  of
• 5:13
  a
• 5:14
  fun
• 5:14
  of
• 5:14
  money.
• 5:15
  Plan
• 5:16
  it
• 5:16
  out.
• 5:16
  This
• 5:16
  way
• 5:16
  you
• 5:17
  won't
• 5:17
  feel
• 5:17
  like
• 5:17
  you're
• 5:17
  making
• 5:17
  bad
• 5:18
  decisions.
• 5:18
  Maybe
• 5:19
  you
• 5:19
  pick
• 5:19
  $10
• 5:20
  a
• 5:20
  week
• 5:20
  or
• 5:20
  $20
• 5:21
  a
• 5:21
  week
• 5:21
  or
• 5:21
  whatever
• 5:22
  that
• 5:22
  works
• 5:22
  for
• 5:22
  you.
• 5:23
  But
• 5:24
  choose
• 5:24
  experiences
• 5:25
  or
• 5:25
  things
• 5:25
  that
• 5:25
  actually
• 5:25
  matter.
• 5:26
  A
• 5:26
  lot
• 5:26
  of
• 5:26
  people
• 5:26
  go
• 5:27
  buy
• 5:27
  stuff.
• 5:28
  Problem
• 5:29
  with
• 5:29
  stuff
• 5:29
  is
• 5:29
  you
• 5:29
  use
• 5:30
  it
• 5:30
  for
• 5:30
  a
• 5:30
  little
• 5:30
  while.
• 5:30
  I
• 5:31
  got
• 5:31
  a
• 5:31
  whole
• 5:31
  boxes
• 5:31
  of
• 5:31
  stuff
• 5:32
  all
• 5:32
  around
• 5:32
  me.
• 5:33
  Think
• 5:34
  about
• 5:34
  the
• 5:34
  experiences.
• 5:35
  That's
• 5:35
  why
• 5:35
  I
• 5:35
  would
• 5:35
  encourage
• 5:36
  you
• 5:36
  to
• 5:36
  do
• 5:36
  things
• 5:36
  like
• 5:37
  vacations
• 5:37
  or
• 5:38
  some
• 5:38
  sort
• 5:38
  of
• 5:39
  experience.
• 5:40
  Because
• 5:40
  in
• 5:41
  your
• 5:41
  life
• 5:41
  you
• 5:41
  don't
• 5:41
  just
• 5:41
  need
• 5:42
  discipline,
• 5:42
  you
• 5:42
  need
• 5:43
  balance.
• 5:43
  That's
• 5:43
  what
• 5:43
  I
• 5:43
  think.
• 5:44
  This
• 5:44
  really
• 5:44
  today's
• 5:45
  focus
• 5:45
  is
• 5:45
  all
• 5:45
  about
• 5:46
  finding
• 5:46
  that
• 5:47
  Balance.
• 5:48
  But
• 5:49
  we've
• 5:49
  got
• 5:49
  to
• 5:49
  address
• 5:49
  what's
• 5:50
  happening
• 5:50
  internally.
• 5:51
  I
• 5:51
  want
• 5:51
  to
• 5:51
  bring
• 5:51
  this
• 5:51
  home
• 5:53
  because
• 5:53
  I
• 5:53
  wonder
• 5:53
  if
• 5:54
  there's
• 5:54
  something
• 5:54
  deeper
• 5:55
  here.
• 5:55
  I
• 5:55
  want
• 5:56
  you
• 5:56
  to
• 5:56
  ask
• 5:56
  yourself
• 5:57
  this.
• 5:57
  What
• 5:57
  has
• 5:58
  changed
• 5:58
  recently?
• 6:00
  Are
• 6:00
  you
• 6:00
  under
• 6:00
  stress?
• 6:02
  Is
• 6:02
  your
• 6:02
  routine
• 6:03
  changed?
• 6:03
  Are
• 6:03
  you
• 6:04
  bored?
• 6:04
  Are
• 6:04
  you
• 6:04
  going
• 6:05
  through
• 6:05
  emotional
• 6:05
  fatigue?
• 6:06
  Because
• 6:07
  I
• 6:07
  don't
• 6:07
  think
• 6:07
  this
• 6:08
  urge
• 6:08
  came
• 6:08
  from
• 6:09
  the
• 6:09
  middle
• 6:09
  of
• 6:09
  nowhere.
• 6:11
  So
• 6:11
  really
• 6:11
  spend
• 6:11
  a
• 6:12
  little
• 6:12
  time
• 6:12
  thinking
• 6:12
  about
• 6:13
  that
• 6:14
  and
• 6:14
  understand
• 6:15
  where
• 6:15
  this
• 6:15
  is
• 6:15
  coming
• 6:15
  from.
• 6:16
  Because
• 6:16
  once
• 6:16
  you
• 6:16
  understand
• 6:17
  that,
• 6:17
  it's
• 6:18
  going
• 6:18
  to
• 6:18
  give
• 6:18
  you
• 6:18
  power
• 6:19
  over
• 6:19
  it.
• 6:19
  And
• 6:19
  you
• 6:19
  might
• 6:20
  say,
• 6:20
  you
• 6:20
  know
• 6:20
  what,
• 6:20
  Raph?
• 6:20
  I
• 6:21
  am.
• 6:21
  I'm
• 6:21
  in
• 6:21
  a
• 6:21
  stressful
• 6:22
  job.
• 6:22
  I'm
• 6:23
  in
• 6:23
  a
• 6:23
  tough
• 6:23
  relationship.
• 6:24
  Maybe
• 6:25
  there's
• 6:25
  something
• 6:25
  going
• 6:25
  on
• 6:26
  around
• 6:26
  you.
• 6:26
  Understand
• 6:27
  what's
• 6:27
  doing
• 6:27
  this
• 6:27
  and
• 6:28
  realize
• 6:28
  this.
• 6:29
  That
• 6:29
  spending
• 6:30
  is
• 6:30
  probably
• 6:30
  not
• 6:31
  going
• 6:31
  to
• 6:31
  be
• 6:31
  the
• 6:31
  solution.
• 6:32
  But
• 6:32
  I
• 6:32
  want
• 6:32
  to
• 6:32
  take
• 6:32
  this
• 6:32
  a
• 6:32
  little
• 6:33
  deeper
• 6:34
  because
• 6:34
  sometimes
• 6:35
  we
• 6:35
  try
• 6:35
  to
• 6:35
  fill
• 6:35
  something
• 6:36
  internally
• 6:37
  with
• 6:37
  something
• 6:37
  external.
• 6:38
  Our
• 6:39
  whole
• 6:39
  world
• 6:39
  is
• 6:39
  focused
• 6:40
  on
• 6:40
  this.
• 6:41
  TikTok,
• 6:42
  YouTube,
• 6:43
  all
• 6:43
  the
• 6:43
  things
• 6:43
  around
• 6:43
  you.
• 6:44
  It's
• 6:44
  always
• 6:44
  about
• 6:44
  making
• 6:45
  you
• 6:45
  spend
• 6:45
  more.
• 6:46
  And
• 6:47
  intellectually,
• 6:48
  we
• 6:48
  know
• 6:48
  that's
• 6:48
  not
• 6:48
  going
• 6:48
  to
• 6:49
  last.
• 6:50
  So
• 6:50
  this
• 6:50
  is
• 6:51
  a
• 6:51
  time
• 6:51
  where
• 6:51
  maybe
• 6:51
  you
• 6:51
  got
• 6:52
  to
• 6:52
  go
• 6:52
  to
• 6:52
  God,
• 6:52
  because
• 6:53
  God
• 6:53
  meets
• 6:53
  you
• 6:53
  in
• 6:54
  that
• 6:54
  space.
• 6:55
  God
• 6:55
  meets
• 6:56
  you
• 6:56
  there.
• 6:56
  Not
• 6:56
  to
• 6:56
  take
• 6:56
  something
• 6:57
  away,
• 6:57
  but
• 6:57
  to
• 6:57
  fulfill
• 6:58
  what's
• 6:58
  missing.
• 6:59
  It's
• 7:00
  a
• 7:00
  great
• 7:00
  time
• 7:00
  to
• 7:00
  reach
• 7:01
  out
• 7:01
  and
• 7:01
  say,
• 7:01
  lord,
• 7:02
  help
• 7:02
  me
• 7:02
  understand
• 7:03
  what
• 7:03
  I'm
• 7:03
  feeling
• 7:04
  and
• 7:04
  guide
• 7:05
  me
• 7:05
  toward
• 7:05
  what
• 7:06
  truly
• 7:06
  satisfies.
• 7:08
  Because
• 7:08
  in
• 7:08
  the
• 7:09
  end,
• 7:09
  you
• 7:09
  don't
• 7:09
  need
• 7:09
  to
• 7:09
  fight
• 7:09
  the
• 7:10
  urge.
• 7:11
  You
• 7:11
  just
• 7:11
  need
• 7:12
  to
• 7:12
  understand
• 7:12
  it
• 7:13
  so
• 7:13
  you
• 7:13
  can
• 7:13
  manage
• 7:14
  it.
• 7:14
  So
• 7:14
  here's
• 7:14
  your
• 7:15
  win
• 7:15
  for
• 7:15
  today.
• 7:16
  I
• 7:16
  want
• 7:16
  you
• 7:16
  to
• 7:16
  define
• 7:17
  your
• 7:17
  intentional
• 7:18
  spending
• 7:18
  plan.
• 7:19
  Just
• 7:19
  one
• 7:19
  sentence
• 7:20
  each
• 7:20
  month.
• 7:21
  I'm
• 7:21
  going
• 7:21
  to
• 7:21
  allow
• 7:22
  myself
• 7:22
  X
• 7:23
  number
• 7:23
  of
• 7:23
  dollars
• 7:23
  to
• 7:24
  enjoy
• 7:24
  without
• 7:24
  guilt.
• 7:25
  Write
• 7:25
  it
• 7:25
  down.
• 7:26
  I
• 7:27
  know
• 7:27
  the
• 7:27
  type
• 7:27
  of
• 7:27
  person
• 7:28
  you
• 7:28
  are.
• 7:28
  You
• 7:29
  want
• 7:29
  to
• 7:29
  build
• 7:29
  this
• 7:29
  into
• 7:30
  your
• 7:30
  plan.
• 7:30
  We'll
• 7:31
  build
• 7:31
  some
• 7:31
  fun
• 7:32
  into
• 7:32
  your
• 7:32
  plan.
• 7:32
  Build
• 7:33
  those
• 7:33
  experience
• 7:34
  in
• 7:34
  your
• 7:34
  plan.
• 7:35
  You
• 7:35
  don't
• 7:35
  have
• 7:35
  to
• 7:36
  have
• 7:36
  everything
• 7:36
  delayed.
• 7:37
  Build
• 7:38
  some
• 7:38
  life
• 7:38
  into
• 7:38
  it.
• 7:39
  But
• 7:39
  that
• 7:40
  structure
• 7:40
  is
• 7:40
  going
• 7:40
  to
• 7:40
  create
• 7:40
  that
• 7:41
  balance
• 7:41
  that
• 7:41
  you
• 7:42
  so
• 7:42
  very
• 7:42
  much
• 7:42
  need.
• 7:43
  Let's
• 7:44
  get
• 7:44
  to
• 7:44
  the
• 7:44
  book
• 7:44
  of
• 7:45
  Ecclesiastes.
• 7:46
  Today
• 7:46
  we're
• 7:46
  going
• 7:46
  to
• 7:46
  go
• 7:46
  to
• 7:46
  Ecclesiastes,
• 7:47
  chapter
• 7:48
  3,
• 7:48
  verse
• 7:49
  13.
• 7:50
  That
• 7:50
  each
• 7:50
  of
• 7:50
  them
• 7:51
  may
• 7:51
  eat
• 7:51
  and
• 7:52
  drink
• 7:52
  and
• 7:52
  find
• 7:52
  satisfaction
• 7:53
  in
• 7:54
  all
• 7:54
  their
• 7:54
  toil.
• 7:55
  This
• 7:55
  is
• 7:56
  a
• 7:56
  gift
• 7:56
  of
• 7:56
  God,
• 7:59
  friend.
• 7:59
  Enjoying
• 7:59
  what
• 8:00
  you've
• 8:00
  been
• 8:00
  given
• 8:01
  is
• 8:01
  a
• 8:02
  healthy
• 8:02
  way.
• 8:02
  That's
• 8:02
  a
• 8:03
  healthy
• 8:03
  thing.
• 8:04
  It's
• 8:04
  part
• 8:04
  of
• 8:04
  the
• 8:04
  balance
• 8:05
  of
• 8:05
  a
• 8:05
  faithful
• 8:06
  life.
• 8:07
  That's
• 8:07
  what
• 8:07
  I
• 8:07
  really
• 8:07
  want
• 8:08
  to
• 8:08
  encourage
• 8:08
  you
• 8:08
  today.
• 8:09
  Find
• 8:09
  that
• 8:09
  balance.
• 8:10
  You're
• 8:11
  working
• 8:11
  hard,
• 8:11
  you're
• 8:12
  doing
• 8:12
  all
• 8:12
  the
• 8:12
  right
• 8:12
  things.
• 8:12
  You're
• 8:13
  making
• 8:13
  very
• 8:13
  wise
• 8:14
  decisions.
• 8:15
  Have
• 8:15
  some
• 8:16
  fun
• 8:16
  in
• 8:16
  your
• 8:16
  life.
• 8:17
  And
• 8:18
  let
• 8:18
  me
• 8:18
  tell
• 8:18
  you
• 8:18
  right
• 8:18
  now,
• 8:19
  this
• 8:19
  message
• 8:19
  is
• 8:19
  speaking
• 8:20
  to
• 8:20
  my
• 8:20
  heart
• 8:20
  as
• 8:21
  well.
• 8:22
  Let's
• 8:22
  pray
• 8:22
  together
• 8:22
  right
• 8:23
  now.
• 8:24
  Heavenly
• 8:24
  Father,
• 8:25
  we
• 8:25
  lift
• 8:25
  up
• 8:26
  those
• 8:26
  who
• 8:26
  feel
• 8:26
  this
• 8:26
  internal
• 8:27
  tension
• 8:28
  even
• 8:28
  when
• 8:29
  they're
• 8:29
  doing
• 8:29
  well
• 8:30
  financially.
• 8:31
  You
• 8:31
  see
• 8:32
  their
• 8:32
  discipline,
• 8:33
  you
• 8:33
  see
• 8:33
  their
• 8:33
  effort,
• 8:34
  and
• 8:34
  you
• 8:35
  see
• 8:35
  the
• 8:35
  questions
• 8:35
  they're
• 8:35
  carrying.
• 8:37
  Help
• 8:37
  them
• 8:37
  to
• 8:37
  understand
• 8:38
  what's
• 8:38
  beneath
• 8:39
  the
• 8:39
  surface
• 8:40
  and
• 8:40
  guide
• 8:41
  them
• 8:41
  towards
• 8:41
  balance,
• 8:43
  Lord.
• 8:43
  Give
• 8:43
  them
• 8:44
  wisdom
• 8:44
  to
• 8:44
  endure
• 8:45
  what
• 8:45
  they've
• 8:45
  been
• 8:45
  given
• 8:45
  without
• 8:46
  guilt
• 8:47
  and
• 8:47
  clarity
• 8:48
  to
• 8:48
  recognize
• 8:48
  what
• 8:49
  truly
• 8:49
  satisfies.
• 8:51
  Lead
• 8:51
  them
• 8:51
  in
• 8:51
  both
• 8:52
  discipline
• 8:52
  and
• 8:53
  peace
• 8:54
  and
• 8:54
  remind
• 8:55
  them
• 8:55
  they're
• 8:55
  allowed
• 8:56
  to
• 8:56
  experience
• 8:56
  joy
• 8:58
  in
• 8:58
  a
• 8:58
  healthy
• 8:59
  and
• 8:59
  meaningful
• 8:59
  way.
• 9:01
  And
• 9:01
  we
• 9:01
  ask
• 9:01
  all
• 9:01
  these
• 9:02
  things
• 9:02
  in
• 9:02
  Jesus
• 9:03
  name.
• 9:04
  Amen,
• 9:06
  friend.
• 9:07
  This
• 9:07
  might
• 9:07
  feel
• 9:07
  like
• 9:07
  you're
• 9:08
  losing
• 9:08
  control,
• 9:09
  but
• 9:09
  that's
• 9:10
  not
• 9:10
  at
• 9:10
  all
• 9:10
  what
• 9:10
  we're
• 9:10
  doing
• 9:11
  here.
• 9:11
  You're
• 9:11
  being
• 9:11
  invited
• 9:12
  to
• 9:12
  find
• 9:12
  balance
• 9:13
  and
• 9:13
  that's
• 9:13
  what
• 9:13
  you
• 9:13
  really
• 9:14
  need.
• 9:15
  And
• 9:15
  maybe
• 9:15
  there's
• 9:15
  a
• 9:16
  question
• 9:16
  right
• 9:16
  now
• 9:16
  in
• 9:16
  your
• 9:17
  life
• 9:17
  and
• 9:17
  you're
• 9:17
  trying
• 9:17
  to
• 9:18
  find
• 9:18
  that
• 9:18
  balance.
• 9:19
  Here's
• 9:19
  what
• 9:19
  I
• 9:19
  want
• 9:19
  you
• 9:19
  to
• 9:20
  do.
• 9:20
  I
• 9:20
  want
• 9:20
  you
• 9:20
  to
• 9:21
  head
• 9:21
  over
• 9:21
  to
• 9:21
  financiallyconfidentchristian.com/voicemail
• 9:25
  do
• 9:25
  it
• 9:25
  right
• 9:25
  now.
• 9:25
  Don't
• 9:26
  wait.
• 9:26
  Tell
• 9:26
  me
• 9:27
  exactly
• 9:27
  what's
• 9:28
  happening
• 9:28
  in
• 9:28
  your
• 9:29
  life.
• 9:29
  Are
• 9:29
  you
• 9:29
  stressed?
• 9:30
  Are
• 9:30
  you
• 9:30
  bored?
• 9:31
  Are
• 9:31
  you
• 9:31
  feeling
• 9:32
  stuck
• 9:32
  in
• 9:32
  a
• 9:32
  routine
• 9:33
  you
• 9:33
  built
• 9:33
  for
• 9:34
  someone
• 9:34
  else?
• 9:35
  Tell
• 9:35
  me
• 9:35
  the
• 9:35
  real
• 9:35
  thing
• 9:36
  because
• 9:36
  I
• 9:36
  guarantee
• 9:36
  you're
• 9:37
  not
• 9:37
  alone
• 9:37
  in
• 9:37
  this
• 9:38
  and
• 9:38
  we're
• 9:38
  going
• 9:38
  to
• 9:38
  figure
• 9:39
  it
• 9:39
  out
• 9:39
  together
• 9:39
  on
• 9:39
  this
• 9:40
  show.
• 9:40
  Again,
• 9:41
  go
• 9:41
  to
• 9:41
  financiallyconfidentchristian.com/voicemail
• 9:45
  I
• 9:45
  really
• 9:45
  want
• 9:45
  to
• 9:45
  hear
• 9:45
  from
• 9:46
  you.
• 9:46
  Well,
• 9:46
  thank
• 9:47
  you
• 9:47
  so
• 9:47
  much
• 9:47
  for
• 9:47
  joining
• 9:48
  me
• 9:48
  today.
• 9:48
  I
• 9:48
  want
• 9:48
  to
• 9:49
  encourage
• 9:49
  you
• 9:49
  to
• 9:49
  stay
• 9:49
  financially
• 9:50
  savvy,
• 9:51
  find
• 9:51
  that
• 9:52
  balance
• 9:52
  of
• 9:52
  joy
• 9:53
  in
• 9:53
  your
• 9:53
  life.
• 9:54
  May
• 9:54
  God
• 9:54
  bless
• 9:54
  you,
• 9:55
  and
• 9:55
  you
• 9:55
  have
• 9:56
  a
• 9:56
  truly
• 9:56
  great
• 9:56
  day
• 9:56
  today.