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Ashamed of Budget Mistakes? Let’s Debrief Without the Guilt · Becoming Financially Confident

• 1:20
  Thought
• 1:20
  I'd
• 1:20
  start
• 1:21
  with
• 1:21
  an
• 1:21
  insight.
• 1:21
  This
• 1:21
  is
• 1:22
  from
• 1:22
  Mint
• 1:22
  and
• 1:23
  it
• 1:23
  says
• 1:23
  65%
• 1:24
  of
• 1:24
  households
• 1:25
  can't
• 1:25
  stick
• 1:25
  to
• 1:25
  a
• 1:25
  budget
• 1:26
  for
• 1:26
  three
• 1:26
  months.
• 1:27
  We
• 1:27
  didn't
• 1:27
  do
• 1:27
  the
• 1:27
  research,
• 1:28
  but
• 1:28
  I
• 1:28
  bet
• 1:28
  it's
• 1:29
  even
• 1:29
  a
• 1:29
  higher
• 1:29
  number
• 1:30
  that
• 1:30
  can't
• 1:30
  do
• 1:30
  it
• 1:30
  for
• 1:31
  one
• 1:31
  month.
• 1:31
  I.
• 1:31
  Listen,
• 1:32
  let
• 1:32
  me.
• 1:32
  I've
• 1:32
  struggled
• 1:33
  with
• 1:33
  budgets,
• 1:33
  too,
• 1:34
  which
• 1:34
  leads
• 1:34
  me
• 1:34
  to
• 1:35
  today's
• 1:35
  listener
• 1:35
  question.
• 1:35
  Ralph,
• 1:36
  my
• 1:36
  budget
• 1:37
  fell
• 1:37
  apart
• 1:37
  again
• 1:38
  this
• 1:38
  year.
• 1:38
  How
• 1:39
  do
• 1:39
  I
• 1:39
  face
• 1:39
  the
• 1:39
  numbers
• 1:40
  without
• 1:40
  feeling
• 1:40
  ashamed?
• 1:42
  Listen,
• 1:42
  you're
• 1:42
  not
• 1:42
  alone
• 1:43
  in
• 1:43
  that.
• 1:43
  But
• 1:44
  budget
• 1:44
  guilt
• 1:44
  is
• 1:44
  a
• 1:45
  trap.
• 1:45
  You
• 1:45
  can't
• 1:45
  stay
• 1:45
  trapped
• 1:46
  in
• 1:46
  that.
• 1:46
  That
• 1:46
  mindset
• 1:47
  will
• 1:47
  make
• 1:48
  you
• 1:48
  unable
• 1:48
  to
• 1:49
  move
• 1:49
  forward
• 1:49
  because
• 1:49
  you
• 1:50
  didn't
• 1:50
  fail.
• 1:50
  I
• 1:50
  want
• 1:50
  you
• 1:50
  to
• 1:51
  start
• 1:51
  by
• 1:51
  understanding
• 1:52
  you
• 1:52
  didn't
• 1:52
  fail.
• 1:53
  You
• 1:53
  learned.
• 1:54
  Because
• 1:55
  grace
• 1:55
  covers
• 1:55
  spreadsheets
• 1:56
  too.
• 1:56
  Let's
• 1:57
  talk
• 1:57
  about
• 1:57
  learning
• 1:57
  from
• 1:57
  our
• 1:58
  budget
• 1:58
  mistakes
• 1:58
  on
• 1:59
  today's
• 1:59
  show.
• 2:01
  This
• 2:01
  is
• 2:02
  Financially
• 2:02
  Confident
• 2:03
  Christian,
• 2:03
  your
• 2:04
  daily
• 2:04
  dose
• 2:04
  of
• 2:05
  gospel,
• 2:05
  grounded
• 2:05
  insight
• 2:06
  and
• 2:06
  faith
• 2:06
  driven
• 2:07
  tips
• 2:07
  to
• 2:08
  help
• 2:08
  you
• 2:08
  break
• 2:08
  the
• 2:08
  cycle
• 2:09
  of
• 2:09
  financial
• 2:09
  shame
• 2:10
  with
• 2:10
  confidence.
• 2:13
  Hello
• 2:13
  there
• 2:13
  and
• 2:13
  welcome.
• 2:14
  I'm
• 2:14
  Ralph.
• 2:14
  Thank
• 2:15
  you
• 2:15
  so
• 2:15
  much
• 2:15
  for
• 2:15
  joining
• 2:15
  me
• 2:16
  on
• 2:16
  your
• 2:16
  daily
• 2:16
  adventure
• 2:17
  of
• 2:17
  helping
• 2:17
  you
• 2:18
  break
• 2:18
  that
• 2:18
  cycle
• 2:18
  of
• 2:19
  financial
• 2:19
  shame
• 2:19
  and,
• 2:20
  and
• 2:20
  doing
• 2:20
  it
• 2:20
  with
• 2:20
  confidence.
• 2:21
  And
• 2:21
  today
• 2:21
  we're
• 2:21
  talking
• 2:22
  about
• 2:22
  budget
• 2:22
  failure,
• 2:23
  you
• 2:24
  might
• 2:24
  say,
• 2:24
  Ralph,
• 2:24
  man,
• 2:24
  you're
• 2:25
  really
• 2:25
  nailing
• 2:26
  the
• 2:26
  tough
• 2:26
  topics
• 2:26
  this
• 2:27
  month.
• 2:27
  Well,
• 2:27
  the
• 2:27
  whole
• 2:28
  point
• 2:28
  of
• 2:28
  this
• 2:28
  series
• 2:29
  is
• 2:29
  to
• 2:29
  help
• 2:29
  refocus
• 2:30
  and
• 2:30
  get
• 2:30
  us
• 2:31
  ready
• 2:31
  for
• 2:31
  a
• 2:31
  strong
• 2:32
  and
• 2:32
  healthy
• 2:32
  2026.
• 2:34
  And
• 2:34
  I've
• 2:34
  helped
• 2:34
  people
• 2:35
  just
• 2:35
  like
• 2:35
  you
• 2:35
  turn
• 2:36
  budget
• 2:36
  failure
• 2:37
  into
• 2:37
  financial
• 2:37
  freedom.
• 2:38
  Yes,
• 2:38
  you
• 2:38
  heard
• 2:38
  me
• 2:38
  right.
• 2:39
  A
• 2:39
  budget
• 2:40
  failure
• 2:40
  is
• 2:41
  actually
• 2:41
  a
• 2:41
  great
• 2:42
  sign
• 2:42
  because
• 2:42
  here's
• 2:43
  why.
• 2:43
  You're
• 2:44
  using
• 2:44
  the
• 2:44
  budget.
• 2:45
  That
• 2:45
  means
• 2:45
  you're
• 2:45
  committed
• 2:46
  to
• 2:46
  doing
• 2:46
  it.
• 2:47
  And
• 2:47
  I've
• 2:47
  learned,
• 2:47
  and
• 2:47
  I've
• 2:48
  been
• 2:48
  there
• 2:48
  myself,
• 2:49
  and
• 2:49
  I've
• 2:49
  learned
• 2:49
  how
• 2:50
  grace
• 2:50
  builds
• 2:50
  growth.
• 2:51
  Well,
• 2:51
  let
• 2:51
  me
• 2:51
  tell
• 2:51
  you
• 2:51
  about
• 2:51
  some
• 2:52
  grace
• 2:52
  working
• 2:53
  with
• 2:53
  my
• 2:53
  youngest
• 2:53
  son.
• 2:53
  And
• 2:54
  my
• 2:54
  youngest
• 2:54
  son
• 2:54
  is
• 2:54
  24
• 2:55
  years
• 2:55
  old.
• 2:56
  He's
• 2:56
  a
• 2:56
  barber,
• 2:56
  right?
• 2:57
  He's
• 2:57
  just
• 2:57
  getting
• 2:57
  into
• 2:57
  his
• 2:58
  own.
• 2:58
  He's
• 2:58
  starting
• 2:59
  to
• 2:59
  develop
• 3:00
  some,
• 3:00
  bringing
• 3:01
  in
• 3:01
  some
• 3:01
  money.
• 3:01
  And
• 3:01
  he
• 3:02
  said,
• 3:02
  dad,
• 3:02
  you
• 3:02
  know,
• 3:02
  one
• 3:02
  of
• 3:02
  the
• 3:02
  things
• 3:03
  I'm
• 3:03
  really
• 3:03
  struggling
• 3:03
  with
• 3:04
  is
• 3:04
  he
• 3:04
  says,
• 3:04
  I
• 3:04
  really
• 3:05
  need
• 3:05
  to
• 3:05
  figure
• 3:05
  out
• 3:06
  how
• 3:06
  to
• 3:06
  direct
• 3:06
  my
• 3:07
  money
• 3:07
  better.
• 3:07
  I
• 3:07
  said,
• 3:07
  well,
• 3:07
  son,
• 3:08
  what
• 3:08
  you
• 3:08
  need
• 3:08
  is
• 3:08
  a
• 3:08
  budget.
• 3:08
  As
• 3:09
  soon
• 3:09
  as
• 3:09
  he
• 3:09
  heard
• 3:09
  budget,
• 3:09
  he's
• 3:09
  like,
• 3:10
  he's
• 3:10
  checking
• 3:10
  out.
• 3:10
  He's
• 3:10
  like,
• 3:11
  dad,
• 3:11
  I
• 3:11
  got
• 3:11
  no
• 3:11
  time
• 3:12
  for
• 3:12
  a
• 3:12
  budget.
• 3:12
  You're
• 3:13
  not
• 3:13
  going
• 3:13
  to
• 3:13
  sit
• 3:13
  there.
• 3:13
  And
• 3:13
  of
• 3:14
  course,
• 3:14
  with
• 3:14
  a
• 3:14
  teenager
• 3:15
  now,
• 3:15
  he's
• 3:15
  not
• 3:15
  a
• 3:15
  teenager
• 3:16
  anymore,
• 3:16
  but
• 3:16
  he'll
• 3:16
  always
• 3:16
  be
• 3:16
  my
• 3:17
  little
• 3:17
  boy,
• 3:17
  right?
• 3:18
  But
• 3:18
  you
• 3:18
  know,
• 3:18
  he's
• 3:18
  like,
• 3:18
  dad,
• 3:19
  what
• 3:19
  you're
• 3:19
  talking
• 3:19
  about
• 3:19
  is
• 3:20
  restriction
• 3:20
  what
• 3:21
  you're
• 3:21
  talking
• 3:21
  about
• 3:21
  is
• 3:21
  you're
• 3:21
  going
• 3:22
  to
• 3:22
  tell
• 3:22
  me
• 3:22
  where
• 3:22
  to
• 3:22
  go.
• 3:22
  And
• 3:22
  I'm
• 3:23
  saying,
• 3:23
  no,
• 3:23
  that's
• 3:23
  not
• 3:23
  at
• 3:23
  all
• 3:24
  what
• 3:24
  I'm
• 3:24
  saying.
• 3:25
  I
• 3:25
  said,
• 3:25
  what
• 3:25
  you
• 3:25
  need
• 3:26
  to
• 3:26
  do
• 3:26
  is
• 3:27
  figure
• 3:27
  out
• 3:27
  where
• 3:27
  your
• 3:28
  money's
• 3:28
  going
• 3:28
  to
• 3:28
  go
• 3:29
  because
• 3:29
  then
• 3:29
  you're
• 3:29
  telling
• 3:29
  it
• 3:30
  what
• 3:30
  to
• 3:30
  do.
• 3:30
  And
• 3:30
  he
• 3:31
  said,
• 3:31
  dad,
• 3:31
  this
• 3:31
  is
• 3:31
  impossible.
• 3:32
  I'll
• 3:32
  never
• 3:32
  be
• 3:32
  able
• 3:32
  to
• 3:32
  figure
• 3:33
  this
• 3:33
  out.
• 3:33
  I
• 3:34
  said,
• 3:34
  well,
• 3:34
  here's
• 3:34
  the
• 3:34
  thing
• 3:34
  I
• 3:34
  want
• 3:34
  you
• 3:35
  to
• 3:35
  do,
• 3:35
  and
• 3:35
  this
• 3:35
  is
• 3:35
  the
• 3:35
  thing.
• 3:35
  I
• 3:35
  encourage
• 3:36
  every
• 3:36
  person
• 3:37
  that
• 3:37
  I
• 3:37
  work
• 3:37
  with.
• 3:38
  Start
• 3:38
  with
• 3:38
  some
• 3:39
  honesty.
• 3:40
  I
• 3:40
  said,
• 3:40
  son,
• 3:41
  go
• 3:41
  back
• 3:41
  and
• 3:42
  look
• 3:42
  at
• 3:42
  the
• 3:42
  last
• 3:43
  30
• 3:43
  days
• 3:43
  of
• 3:43
  where
• 3:44
  your
• 3:44
  money
• 3:44
  went,
• 3:45
  because
• 3:45
  that's
• 3:45
  where
• 3:46
  you
• 3:46
  got
• 3:46
  to
• 3:46
  start.
• 3:46
  You
• 3:46
  got
• 3:46
  to
• 3:46
  be
• 3:47
  honest
• 3:47
  with
• 3:47
  yourself.
• 3:47
  I
• 3:47
  said
• 3:47
  this
• 3:48
  on
• 3:48
  the
• 3:48
  show
• 3:48
  the
• 3:48
  other
• 3:48
  day.
• 3:48
  You
• 3:48
  can't
• 3:49
  sugarcoat
• 3:49
  this.
• 3:50
  You
• 3:50
  got
• 3:50
  to
• 3:50
  start
• 3:50
  off
• 3:51
  with
• 3:51
  what
• 3:51
  is
• 3:51
  the
• 3:52
  realness
• 3:52
  before
• 3:52
  you
• 3:53
  can
• 3:53
  start
• 3:53
  to
• 3:53
  build
• 3:53
  that
• 3:53
  budget
• 3:54
  moving
• 3:54
  forward.
• 3:54
  I
• 3:54
  said,
• 3:55
  listen,
• 3:55
  celebrate
• 3:56
  some
• 3:56
  small
• 3:56
  wins.
• 3:56
  I
• 3:56
  said,
• 3:57
  listen,
• 3:57
  this
• 3:57
  past
• 3:57
  month,
• 3:58
  did
• 3:58
  your
• 3:58
  credit
• 3:59
  card
• 3:59
  carry
• 3:59
  a
• 3:59
  bounce?
• 3:59
  He
• 3:59
  said,
• 4:00
  no,
• 4:00
  Dad.
• 4:00
  I
• 4:00
  said,
• 4:00
  great,
• 4:01
  you're
• 4:01
  not
• 4:02
  spending
• 4:02
  yourself
• 4:02
  into
• 4:03
  deficit.
• 4:04
  I
• 4:04
  said,
• 4:04
  but
• 4:04
  let's
• 4:04
  take
• 4:04
  a
• 4:05
  minute.
• 4:05
  Let's
• 4:05
  look
• 4:05
  at
• 4:05
  the
• 4:05
  patterns.
• 4:06
  And
• 4:06
  one
• 4:06
  of
• 4:06
  the
• 4:07
  big
• 4:07
  patterns
• 4:07
  he
• 4:07
  found
• 4:07
  is
• 4:08
  he
• 4:08
  likes
• 4:08
  to
• 4:08
  eat
• 4:08
  out.
• 4:09
  He's
• 4:09
  a
• 4:09
  bachelor.
• 4:09
  He's
• 4:10
  a
• 4:10
  young
• 4:10
  guy,
• 4:10
  has
• 4:11
  his
• 4:11
  own
• 4:11
  apartment.
• 4:12
  He
• 4:12
  what's
• 4:12
  so
• 4:12
  much
• 4:12
  easier
• 4:12
  if
• 4:13
  he
• 4:13
  stops
• 4:13
  and
• 4:13
  picks
• 4:13
  up
• 4:13
  takeout
• 4:14
  or
• 4:14
  he
• 4:15
  goes
• 4:15
  and
• 4:15
  grabs
• 4:15
  some
• 4:15
  lunch
• 4:16
  or
• 4:16
  dinner
• 4:16
  somewhere?
• 4:16
  I
• 4:16
  said,
• 4:17
  but
• 4:17
  you
• 4:17
  gotta
• 4:17
  understand,
• 4:17
  son,
• 4:18
  how
• 4:18
  much
• 4:18
  more
• 4:18
  that
• 4:19
  cost
• 4:19
  you.
• 4:20
  I
• 4:20
  said,
• 4:20
  if
• 4:20
  you
• 4:20
  pack
• 4:21
  your
• 4:21
  lunch,
• 4:22
  if
• 4:22
  you
• 4:22
  make
• 4:22
  dinners
• 4:23
  at
• 4:23
  home,
• 4:23
  you
• 4:23
  can
• 4:24
  save
• 4:24
  a
• 4:24
  ton
• 4:24
  of
• 4:24
  money.
• 4:25
  And
• 4:25
  he
• 4:25
  goes,
• 4:25
  dad,
• 4:25
  listen,
• 4:26
  I'm
• 4:26
  really
• 4:26
  excited
• 4:26
  about
• 4:27
  this.
• 4:27
  And
• 4:27
  I
• 4:28
  helped
• 4:28
  him
• 4:28
  build
• 4:28
  a
• 4:28
  stronger
• 4:29
  plan.
• 4:29
  And
• 4:30
  I
• 4:30
  love
• 4:30
  what
• 4:30
  Dave
• 4:30
  Ramsey
• 4:31
  said.
• 4:31
  I'm
• 4:31
  not
• 4:31
  often
• 4:32
  in
• 4:32
  the
• 4:32
  same
• 4:32
  realm
• 4:33
  as
• 4:33
  Dave
• 4:33
  Ramsey
• 4:34
  with
• 4:34
  some
• 4:34
  of
• 4:34
  the
• 4:34
  things,
• 4:34
  but
• 4:34
  this
• 4:34
  one
• 4:35
  is
• 4:35
  right
• 4:35
  on
• 4:35
  point.
• 4:35
  He
• 4:36
  said,
• 4:36
  a
• 4:36
  budget
• 4:36
  is
• 4:37
  telling
• 4:37
  your
• 4:37
  money
• 4:37
  where
• 4:37
  to
• 4:38
  go,
• 4:38
  and
• 4:38
  you
• 4:38
  instead
• 4:39
  of
• 4:39
  wondering
• 4:39
  where
• 4:39
  it
• 4:39
  went.
• 4:40
  And
• 4:40
  I'm
• 4:40
  going
• 4:40
  to
• 4:40
  use
• 4:40
  that
• 4:40
  with
• 4:41
  my
• 4:41
  son.
• 4:41
  As
• 4:41
  I
• 4:41
  was
• 4:42
  preparing
• 4:42
  for
• 4:42
  today's
• 4:42
  show,
• 4:42
  I
• 4:42
  said,
• 4:43
  I
• 4:43
  want
• 4:43
  to
• 4:43
  help
• 4:44
  him
• 4:44
  be
• 4:44
  encouraged.
• 4:45
  And
• 4:45
  I'm
• 4:45
  going
• 4:45
  to
• 4:45
  tell
• 4:45
  him
• 4:45
  that
• 4:46
  a
• 4:46
  budget
• 4:46
  is
• 4:46
  telling
• 4:47
  your
• 4:47
  money
• 4:47
  where
• 4:47
  to
• 4:47
  go
• 4:48
  instead
• 4:48
  of
• 4:48
  wondering
• 4:49
  where
• 4:49
  it
• 4:49
  went.
• 4:49
  He
• 4:49
  doesn't
• 4:50
  want
• 4:50
  to
• 4:50
  hear
• 4:50
  good
• 4:50
  old
• 4:50
  dad
• 4:51
  telling
• 4:51
  him
• 4:51
  what
• 4:51
  to
• 4:51
  do,
• 4:52
  but,
• 4:52
  man,
• 4:52
  he
• 4:53
  likes
• 4:53
  to
• 4:53
  know
• 4:53
  where
• 4:53
  his
• 4:53
  money
• 4:54
  going.
• 4:54
  Which
• 4:54
  leads
• 4:55
  me
• 4:55
  back
• 4:55
  to
• 4:55
  today's
• 4:56
  question.
• 4:56
  And
• 4:57
  that's
• 4:57
  really
• 4:57
  the
• 4:57
  core
• 4:58
  of
• 4:58
  what
• 4:58
  we
• 4:58
  want
• 4:58
  to
• 4:58
  talk
• 4:58
  about
• 4:59
  right
• 4:59
  now.
• 4:59
  And
• 4:59
  that's
• 5:00
  how
• 5:00
  do
• 5:00
  I
• 5:00
  face
• 5:00
  the
• 5:01
  numbers
• 5:01
  without
• 5:01
  feeling
• 5:02
  ashamed?
• 5:02
  It's
• 5:03
  so
• 5:03
  easy
• 5:03
  to
• 5:04
  feel
• 5:04
  Ashamed
• 5:04
  that
• 5:04
  you're
• 5:05
  stuck.
• 5:05
  And
• 5:05
  that
• 5:06
  budget
• 5:06
  failure,
• 5:07
  number
• 5:07
  one
• 5:07
  thing.
• 5:07
  And
• 5:07
  I
• 5:08
  said
• 5:08
  this
• 5:08
  to
• 5:08
  my
• 5:08
  son,
• 5:09
  you
• 5:09
  gotta
• 5:09
  be
• 5:10
  honest.
• 5:11
  Because
• 5:12
  truth
• 5:12
  unlocks
• 5:12
  freedom.
• 5:13
  You
• 5:13
  gotta
• 5:13
  face
• 5:13
  where
• 5:14
  your
• 5:14
  money
• 5:14
  went.
• 5:15
  If
• 5:15
  you're
• 5:15
  going
• 5:15
  back
• 5:16
  and
• 5:16
  looking
• 5:16
  at
• 5:16
  the
• 5:16
  30
• 5:16
  days,
• 5:17
  face
• 5:18
  where
• 5:18
  it
• 5:18
  went.
• 5:18
  Because
• 5:19
  that's
• 5:19
  the
• 5:19
  only
• 5:19
  way
• 5:19
  you're
• 5:19
  gonna
• 5:19
  take
• 5:19
  back
• 5:20
  control.
• 5:20
  And
• 5:21
  you
• 5:21
  gotta
• 5:21
  remember,
• 5:21
  honesty
• 5:22
  isn't
• 5:22
  punishment.
• 5:23
  Honesty
• 5:24
  is
• 5:24
  actually
• 5:24
  the
• 5:24
  doorway
• 5:25
  to
• 5:25
  peace.
• 5:25
  Because
• 5:26
  you
• 5:26
  can't
• 5:26
  fix
• 5:26
  what
• 5:26
  you
• 5:27
  won't
• 5:27
  face.
• 5:28
  If
• 5:28
  you
• 5:28
  don't
• 5:28
  face
• 5:28
  it,
• 5:29
  you're
• 5:29
  never
• 5:29
  gonna
• 5:29
  fix
• 5:29
  it.
• 5:29
  One
• 5:30
  things
• 5:30
  they
• 5:30
  talk
• 5:30
  about
• 5:30
  in
• 5:30
  Alcoholics
• 5:31
  Anonymous
• 5:32
  for
• 5:32
  people
• 5:33
  who
• 5:33
  have
• 5:33
  issues
• 5:33
  with
• 5:34
  alcoholism
• 5:34
  is
• 5:35
  you
• 5:35
  got
• 5:35
  to
• 5:35
  face
• 5:35
  that.
• 5:36
  You
• 5:36
  got
• 5:36
  to
• 5:36
  face
• 5:37
  the
• 5:37
  challenge
• 5:37
  in
• 5:38
  front
• 5:38
  of
• 5:38
  you.
• 5:38
  Because
• 5:38
  God
• 5:39
  can
• 5:39
  heal
• 5:39
  what
• 5:40
  you
• 5:40
  reveal.
• 5:40
  That
• 5:41
  rhymed.
• 5:41
  I
• 5:41
  thought
• 5:41
  that
• 5:41
  was
• 5:41
  really
• 5:41
  good,
• 5:42
  right?
• 5:42
  But
• 5:42
  God
• 5:42
  can
• 5:43
  actually
• 5:43
  heal
• 5:43
  what
• 5:44
  you
• 5:44
  reveal.
• 5:44
  And
• 5:45
  that
• 5:45
  truth,
• 5:45
  listen,
• 5:46
  it
• 5:46
  stings
• 5:46
  sometimes.
• 5:47
  It
• 5:48
  hurts.
• 5:48
  But
• 5:49
  denial,
• 5:49
  if
• 5:49
  you
• 5:49
  keep
• 5:50
  living
• 5:50
  in
• 5:50
  denial,
• 5:50
  it's
• 5:51
  going
• 5:51
  to
• 5:51
  cost
• 5:51
  you
• 5:51
  more.
• 5:51
  So,
• 5:51
  number
• 5:52
  one,
• 5:52
  be
• 5:52
  honest.
• 5:53
  Number
• 5:53
  two,
• 5:54
  celebrate
• 5:55
  those
• 5:55
  wins.
• 5:55
  Because
• 5:56
  those
• 5:56
  small
• 5:56
  habits
• 5:57
  hide
• 5:57
  big
• 5:57
  victories.
• 5:58
  You
• 5:58
  didn't
• 5:58
  fail.
• 5:59
  You
• 5:59
  grew
• 6:00
  inconsistency.
• 6:01
  So
• 6:01
  maybe
• 6:01
  you
• 6:01
  say,
• 6:01
  ralph,
• 6:02
  listen,
• 6:02
  I'm
• 6:03
  really
• 6:03
  focusing
• 6:03
  on
• 6:03
  eating
• 6:04
  at
• 6:04
  the
• 6:05
  house
• 6:05
  instead
• 6:05
  of
• 6:05
  buying
• 6:06
  stuff.
• 6:06
  Well,
• 6:06
  maybe
• 6:06
  you
• 6:07
  say,
• 6:07
  well,
• 6:07
  you
• 6:07
  know
• 6:07
  what?
• 6:07
  One
• 6:07
  night
• 6:08
  this
• 6:08
  week,
• 6:08
  I
• 6:08
  actually
• 6:09
  order
• 6:09
  takeout.
• 6:10
  That's
• 6:10
  great.
• 6:10
  That
• 6:10
  means
• 6:10
  the
• 6:11
  other
• 6:11
  six
• 6:11
  nights
• 6:11
  you
• 6:11
  didn't.
• 6:12
  And
• 6:13
  God
• 6:13
  sees
• 6:13
  that
• 6:13
  faithfulness
• 6:14
  in
• 6:14
  those
• 6:14
  small
• 6:15
  steps.
• 6:16
  And
• 6:16
  as
• 6:16
  you
• 6:16
  develop
• 6:16
  those
• 6:17
  small
• 6:17
  steps,
• 6:17
  it's
• 6:18
  going
• 6:18
  to
• 6:18
  bring
• 6:18
  freedom.
• 6:19
  That
• 6:19
  one
• 6:19
  no
• 6:20
  to
• 6:21
  impulse
• 6:21
  spending
• 6:21
  is
• 6:22
  a
• 6:22
  win.
• 6:22
  You
• 6:22
  might
• 6:22
  be
• 6:23
  saying,
• 6:23
  ralph,
• 6:23
  like,
• 6:23
  every
• 6:23
  time
• 6:23
  I
• 6:24
  go
• 6:24
  on
• 6:24
  Amazon,
• 6:24
  I
• 6:24
  buy
• 6:25
  something.
• 6:25
  Okay,
• 6:25
  well,
• 6:26
  maybe
• 6:26
  this
• 6:26
  next
• 6:26
  time
• 6:27
  you
• 6:27
  don't.
• 6:28
  That
• 6:28
  progress
• 6:29
  isn't
• 6:29
  perfection.
• 6:30
  It's
• 6:31
  just
• 6:31
  quiet
• 6:31
  obedience.
• 6:32
  So
• 6:32
  celebrate
• 6:33
  those
• 6:33
  wins.
• 6:33
  Number
• 6:33
  three,
• 6:34
  look
• 6:34
  at
• 6:35
  those
• 6:35
  patterns.
• 6:36
  And
• 6:36
  I've
• 6:36
  said
• 6:36
  this
• 6:36
  on
• 6:37
  the
• 6:37
  show
• 6:37
  many
• 6:37
  times,
• 6:37
  your
• 6:38
  money
• 6:38
  reveals
• 6:38
  where
• 6:39
  your
• 6:39
  heart
• 6:39
  is.
• 6:40
  That
• 6:40
  might
• 6:40
  sound
• 6:41
  a
• 6:41
  little
• 6:41
  harsh,
• 6:42
  but
• 6:42
  where
• 6:42
  it
• 6:43
  flows,
• 6:43
  that's
• 6:43
  where
• 6:44
  your
• 6:44
  priorities
• 6:44
  are.
• 6:46
  So
• 6:46
  repeated
• 6:47
  choices,
• 6:48
  those
• 6:48
  things
• 6:48
  that
• 6:48
  you
• 6:48
  decide
• 6:49
  to
• 6:49
  do
• 6:49
  again,
• 6:49
  like
• 6:49
  with
• 6:50
  my
• 6:50
  son,
• 6:50
  when
• 6:50
  he
• 6:50
  decided,
• 6:50
  I'm
• 6:50
  always
• 6:51
  eating
• 6:51
  out,
• 6:51
  he
• 6:51
  always
• 6:51
  eating
• 6:52
  out
• 6:52
  of
• 6:52
  lunch.
• 6:53
  It
• 6:53
  reveals
• 6:53
  what
• 6:53
  truly
• 6:54
  matters
• 6:54
  to
• 6:54
  you.
• 6:55
  So
• 6:55
  ask
• 6:56
  yourself,
• 6:56
  what
• 6:57
  is
• 6:57
  this
• 6:57
  habit
• 6:58
  saying
• 6:58
  about
• 6:58
  my
• 6:58
  heart?
• 6:59
  See,
• 7:00
  God
• 7:00
  doesn't
• 7:00
  shame
• 7:00
  patterns,
• 7:01
  he
• 7:01
  reshapes
• 7:02
  them.
• 7:03
  So
• 7:03
  start
• 7:03
  by
• 7:03
  looking
• 7:04
  at
• 7:04
  your
• 7:04
  patterns
• 7:04
  and
• 7:04
  revealing
• 7:05
  where
• 7:05
  your
• 7:05
  heart
• 7:05
  is.
• 7:05
  Number
• 7:06
  four
• 7:06
  thing
• 7:07
  is
• 7:07
  the
• 7:08
  why
• 7:09
  awareness
• 7:10
  turns
• 7:10
  guilt
• 7:10
  into
• 7:11
  growth.
• 7:11
  Ask
• 7:11
  why.
• 7:12
  You
• 7:13
  don't
• 7:13
  ask
• 7:13
  this.
• 7:13
  Don't
• 7:13
  ask,
• 7:14
  why
• 7:14
  did
• 7:14
  I
• 7:14
  fail?
• 7:16
  But
• 7:16
  ask
• 7:16
  yourself,
• 7:16
  as
• 7:17
  you're
• 7:17
  buying
• 7:17
  something,
• 7:17
  why
• 7:18
  did
• 7:18
  I
• 7:18
  need
• 7:18
  that?
• 7:20
  And
• 7:20
  that's
• 7:20
  not
• 7:20
  an
• 7:20
  easy
• 7:21
  thing
• 7:21
  to
• 7:21
  do.
• 7:21
  Listen
• 7:22
  I'm
• 7:22
  guilty
• 7:22
  of
• 7:22
  this
• 7:22
  myself.
• 7:23
  But
• 7:24
  that
• 7:24
  awareness,
• 7:25
  that
• 7:25
  asking
• 7:25
  of
• 7:26
  why
• 7:26
  puts
• 7:27
  the
• 7:27
  meaning
• 7:27
  behind
• 7:28
  your
• 7:28
  mistakes.
• 7:28
  And
• 7:28
  then
• 7:28
  you
• 7:29
  know
• 7:29
  your
• 7:29
  triggers.
• 7:30
  And
• 7:30
  when
• 7:30
  you
• 7:30
  finally
• 7:31
  know
• 7:31
  the
• 7:31
  triggers,
• 7:31
  maybe
• 7:31
  you
• 7:31
  stay
• 7:32
  off
• 7:32
  Amazon,
• 7:32
  maybe
• 7:33
  you
• 7:33
  don't
• 7:33
  get
• 7:33
  into
• 7:33
  that
• 7:33
  scrolling
• 7:34
  on
• 7:34
  your
• 7:34
  phone
• 7:34
  on
• 7:34
  TikTok,
• 7:35
  where
• 7:35
  they're
• 7:35
  always
• 7:35
  trying
• 7:35
  to
• 7:36
  sell
• 7:36
  you
• 7:36
  something.
• 7:36
  I
• 7:36
  would
• 7:36
  go
• 7:37
  off
• 7:37
  on,
• 7:37
  on
• 7:37
  social
• 7:38
  media
• 7:38
  again.
• 7:38
  But
• 7:39
  when
• 7:39
  you
• 7:39
  do
• 7:39
  that,
• 7:39
  you
• 7:40
  regain
• 7:40
  your
• 7:40
  power.
• 7:41
  Because
• 7:41
  if
• 7:41
  you
• 7:42
  don't,
• 7:42
  guess
• 7:42
  what?
• 7:42
  Guilt
• 7:42
  keeps
• 7:43
  you
• 7:43
  stuck.
• 7:44
  If
• 7:44
  you
• 7:44
  just
• 7:44
  stay
• 7:45
  guilty,
• 7:45
  I'm
• 7:45
  never
• 7:45
  going
• 7:46
  to
• 7:46
  get
• 7:46
  this.
• 7:46
  You're
• 7:46
  going
• 7:46
  to
• 7:47
  stay
• 7:47
  stuck.
• 7:47
  But
• 7:47
  grace
• 7:48
  moves
• 7:48
  you
• 7:49
  forward.
• 7:49
  And
• 7:49
  we're
• 7:49
  all
• 7:49
  covered
• 7:50
  with
• 7:50
  the
• 7:50
  Lord's
• 7:50
  gr.
• 7:51
  And
• 7:51
  number
• 7:51
  five,
• 7:52
  you
• 7:52
  got
• 7:53
  a
• 7:53
  plan.
• 7:54
  See,
• 7:54
  grace
• 7:54
  builds
• 7:55
  better
• 7:55
  budgets.
• 7:55
  You
• 7:56
  don't
• 7:56
  need
• 7:56
  to
• 7:56
  be
• 7:56
  perfect.
• 7:56
  If
• 7:56
  you
• 7:57
  hear
• 7:57
  nothing
• 7:57
  else,
• 7:57
  I
• 7:57
  say
• 7:58
  today,
• 7:58
  you
• 7:58
  don't
• 7:59
  need
• 7:59
  to
• 7:59
  be
• 8:00
  perfect.
• 8:00
  You
• 8:01
  need
• 8:01
  to
• 8:01
  be
• 8:01
  redeemed.
• 8:02
  And
• 8:02
  grace
• 8:03
  says,
• 8:03
  learn,
• 8:03
  then
• 8:03
  move
• 8:04
  forward.
• 8:04
  Because
• 8:04
  every
• 8:05
  setback
• 8:05
  leads
• 8:06
  to
• 8:06
  wiser
• 8:06
  planning.
• 8:07
  And
• 8:07
  listen,
• 8:07
  here's
• 8:08
  one
• 8:08
  thing
• 8:08
  I'm
• 8:08
  going
• 8:08
  to
• 8:08
  tell
• 8:08
  you
• 8:08
  right
• 8:09
  now.
• 8:09
  Key
• 8:09
  takeaway
• 8:09
  today,
• 8:10
  invite
• 8:11
  God
• 8:11
  into
• 8:11
  that
• 8:11
  next
• 8:12
  budget,
• 8:13
  not
• 8:13
  the
• 8:13
  next
• 8:13
  breakdown.
• 8:14
  So
• 8:14
  easy
• 8:14
  to
• 8:14
  call
• 8:15
  out
• 8:15
  for
• 8:15
  God
• 8:15
  when
• 8:15
  you're
• 8:16
  struggling,
• 8:17
  but
• 8:17
  invite
• 8:17
  them
• 8:18
  in
• 8:18
  at
• 8:18
  the
• 8:18
  front
• 8:18
  end
• 8:19
  as
• 8:19
  you're
• 8:19
  building
• 8:19
  that
• 8:20
  budget.
• 8:20
  So
• 8:21
  again,
• 8:21
  honesty.
• 8:22
  Celebrate
• 8:23
  those
• 8:23
  wins,
• 8:23
  look
• 8:24
  for
• 8:24
  those
• 8:24
  patterns,
• 8:24
  understand
• 8:25
  your
• 8:25
  why
• 8:26
  and
• 8:26
  make
• 8:26
  a
• 8:26
  plan.
• 8:27
  Let's
• 8:27
  get
• 8:27
  right
• 8:27
  into
• 8:27
  our
• 8:27
  Bible
• 8:28
  verse
• 8:28
  today.
• 8:28
  It
• 8:29
  comes
• 8:29
  to
• 8:29
  us
• 8:29
  from
• 8:29
  the
• 8:29
  book
• 8:30
  of
• 8:30
  Proverbs,
• 8:30
  chapter
• 8:31
  27,
• 8:31
  verse
• 8:32
  23.
• 8:32
  And
• 8:32
  it
• 8:33
  says,
• 8:33
  be
• 8:33
  sure
• 8:33
  to
• 8:33
  know
• 8:34
  the
• 8:34
  condition
• 8:34
  of
• 8:34
  your
• 8:34
  flocks.
• 8:36
  What
• 8:36
  is
• 8:36
  it
• 8:36
  telling
• 8:37
  us
• 8:37
  that
• 8:37
  we
• 8:38
  need
• 8:38
  to
• 8:38
  have
• 8:38
  awareness?
• 8:39
  I'll
• 8:39
  give
• 8:39
  you
• 8:39
  a
• 8:39
  great
• 8:39
  example.
• 8:39
  I
• 8:40
  was
• 8:40
  out
• 8:40
  walking
• 8:40
  the
• 8:40
  other
• 8:40
  morning
• 8:41
  and
• 8:41
  we
• 8:41
  raised
• 8:42
  Black
• 8:42
  Angus
• 8:42
  cows
• 8:43
  here
• 8:43
  on
• 8:43
  the
• 8:43
  farm.
• 8:44
  And
• 8:44
  I
• 8:44
  actually
• 8:44
  have
• 8:44
  somebody
• 8:45
  that's
• 8:45
  taking
• 8:45
  care
• 8:45
  of
• 8:45
  that
• 8:45
  for
• 8:45
  me
• 8:46
  now.
• 8:46
  But
• 8:46
  I
• 8:46
  turn
• 8:46
  the
• 8:46
  corner,
• 8:46
  I'm
• 8:47
  walking
• 8:47
  with
• 8:47
  my
• 8:47
  dog,
• 8:47
  and
• 8:47
  all
• 8:48
  of
• 8:48
  a
• 8:48
  sudden
• 8:48
  I
• 8:48
  look
• 8:48
  over
• 8:48
  and
• 8:48
  there's
• 8:49
  this
• 8:49
  little
• 8:49
  thing
• 8:49
  in
• 8:49
  the
• 8:49
  patch.
• 8:50
  I'm
• 8:50
  like,
• 8:50
  what's
• 8:50
  going
• 8:50
  on?
• 8:51
  Well,
• 8:51
  guess
• 8:51
  what?
• 8:52
  We
• 8:52
  had
• 8:52
  a
• 8:52
  baby
• 8:52
  bull
• 8:53
  calf
• 8:53
  born.
• 8:54
  We
• 8:54
  weren't
• 8:54
  expecting
• 8:55
  it.
• 8:55
  And
• 8:55
  I
• 8:55
  texted
• 8:56
  the
• 8:56
  farmer
• 8:56
  and
• 8:56
  said,
• 8:56
  hey,
• 8:57
  guy,
• 8:57
  guess
• 8:57
  what?
• 8:57
  We've
• 8:57
  got
• 8:58
  a
• 8:58
  cav.
• 8:58
  And
• 8:58
  he
• 8:58
  was
• 8:59
  excited.
• 8:59
  I
• 8:59
  was
• 8:59
  excited.
• 9:00
  We
• 9:00
  were
• 9:00
  proud
• 9:00
  papas
• 9:01
  for
• 9:01
  the
• 9:01
  day.
• 9:02
  But
• 9:02
  we
• 9:02
  have
• 9:02
  to
• 9:03
  know
• 9:03
  the
• 9:03
  condition
• 9:03
  of
• 9:03
  our
• 9:04
  flocks.
• 9:04
  The
• 9:04
  same
• 9:04
  thing
• 9:05
  works
• 9:05
  with
• 9:05
  your
• 9:05
  money.
• 9:06
  Know
• 9:06
  where
• 9:06
  your
• 9:06
  money's
• 9:07
  going
• 9:07
  so
• 9:07
  that
• 9:07
  you
• 9:08
  can
• 9:08
  plan
• 9:08
  to
• 9:09
  do
• 9:09
  good
• 9:09
  with
• 9:09
  it
• 9:10
  and
• 9:10
  you
• 9:10
  can
• 9:10
  truly
• 9:10
  steward
• 9:11
  the
• 9:11
  provision
• 9:12
  that
• 9:12
  God's
• 9:12
  given
• 9:12
  you.
• 9:13
  How
• 9:13
  about
• 9:13
  we
• 9:13
  pray
• 9:13
  right
• 9:13
  now?
• 9:14
  So,
• 9:14
  Lord,
• 9:14
  we
• 9:15
  come
• 9:15
  to
• 9:15
  you
• 9:15
  right
• 9:15
  now
• 9:16
  and
• 9:16
  we
• 9:16
  are
• 9:16
  just
• 9:16
  grateful
• 9:17
  for
• 9:17
  the
• 9:17
  honesty
• 9:18
  that
• 9:18
  you
• 9:18
  have
• 9:18
  in
• 9:18
  our
• 9:18
  lives,
• 9:18
  Lord,
• 9:19
  give
• 9:19
  us
• 9:19
  wisdom
• 9:20
  to
• 9:20
  adjust
• 9:20
  those
• 9:20
  habits
• 9:21
  that
• 9:21
  aren't
• 9:22
  where
• 9:22
  our
• 9:22
  heart
• 9:22
  needs
• 9:23
  to
• 9:23
  be,
• 9:23
  Lord,
• 9:23
  help
• 9:24
  us
• 9:24
  to
• 9:24
  really
• 9:24
  examine
• 9:25
  those
• 9:25
  things
• 9:25
  and
• 9:25
  help
• 9:26
  us
• 9:26
  to
• 9:26
  live
• 9:26
  with
• 9:27
  freedom
• 9:27
  from
• 9:27
  guilt
• 9:28
  because
• 9:28
  it's
• 9:28
  so
• 9:28
  easy
• 9:29
  for
• 9:29
  us
• 9:29
  to
• 9:29
  get
• 9:29
  stuck
• 9:30
  in
• 9:30
  that
• 9:30
  quagmire
• 9:31
  of
• 9:31
  guilt,
• 9:31
  Lord.
• 9:31
  And
• 9:32
  we
• 9:32
  just
• 9:32
  thank
• 9:32
  you
• 9:33
  in
• 9:33
  the
• 9:33
  name
• 9:33
  of
• 9:33
  Jesus.
• 9:34
  Amen.
• 9:35
  Okay,
• 9:35
  so
• 9:35
  here's
• 9:35
  your
• 9:36
  action
• 9:36
  item
• 9:36
  for
• 9:36
  today.
• 9:37
  A
• 9:37
  little
• 9:37
  homework,
• 9:37
  if
• 9:37
  you
• 9:38
  will.
• 9:38
  I.
• 9:38
  I
• 9:38
  want
• 9:38
  you
• 9:39
  to
• 9:39
  go
• 9:39
  back
• 9:39
  and
• 9:39
  look
• 9:39
  at
• 9:39
  your
• 9:40
  last
• 9:40
  three
• 9:40
  months
• 9:40
  of
• 9:41
  spending.
• 9:41
  Now,
• 9:41
  I
• 9:41
  know
• 9:41
  usually
• 9:42
  I
• 9:42
  tell
• 9:42
  you
• 9:42
  30
• 9:42
  days,
• 9:43
  but
• 9:43
  I
• 9:43
  want
• 9:43
  to
• 9:44
  broaden
• 9:44
  it
• 9:44
  a
• 9:44
  little
• 9:44
  bit
• 9:44
  because
• 9:45
  we're
• 9:45
  trying
• 9:45
  to
• 9:45
  focus
• 9:45
  on
• 9:46
  getting
• 9:46
  a
• 9:46
  strong
• 9:47
  finish
• 9:47
  to
• 9:47
  the
• 9:47
  end
• 9:48
  of
• 9:48
  this
• 9:48
  year
• 9:49
  and
• 9:49
  moving
• 9:49
  on
• 9:49
  to
• 9:49
  the
• 9:49
  next
• 9:50
  one.
• 9:50
  So
• 9:50
  go
• 9:50
  over
• 9:50
  your
• 9:51
  last
• 9:51
  three
• 9:51
  months
• 9:51
  of
• 9:51
  spending
• 9:52
  on
• 9:52
  your
• 9:52
  credit
• 9:52
  cards
• 9:53
  and
• 9:53
  bank
• 9:53
  statements
• 9:54
  and
• 9:54
  circle
• 9:54
  one
• 9:55
  Success.
• 9:55
  Yeah,
• 9:55
  you
• 9:55
  heard
• 9:56
  what
• 9:56
  I
• 9:56
  said.
• 9:56
  Start
• 9:56
  with
• 9:56
  a
• 9:57
  success.
• 9:57
  Maybe
• 9:58
  that
• 9:58
  you're
• 9:58
  not
• 9:58
  eating
• 9:58
  out
• 9:59
  as
• 9:59
  much.
• 9:59
  Maybe
• 9:59
  you're
• 10:00
  brown
• 10:00
  bagging
• 10:00
  it
• 10:00
  for
• 10:01
  lunch.
• 10:01
  Maybe
• 10:01
  you're
• 10:01
  making
• 10:02
  better
• 10:02
  decisions
• 10:02
  about
• 10:03
  impulse
• 10:04
  buying
• 10:05
  at
• 10:05
  the
• 10:05
  same
• 10:05
  time.
• 10:05
  Circle
• 10:06
  one
• 10:06
  area
• 10:06
  to
• 10:06
  improve.
• 10:07
  Just
• 10:07
  one
• 10:07
  success
• 10:08
  item
• 10:08
  and
• 10:08
  one
• 10:09
  area
• 10:09
  to
• 10:09
  improve.
• 10:09
  And
• 10:10
  then
• 10:10
  work
• 10:10
  on
• 10:10
  it.
• 10:11
  And
• 10:11
  while
• 10:11
  you're
• 10:12
  talking
• 10:12
  about
• 10:12
  that,
• 10:12
  I
• 10:12
  want
• 10:12
  to
• 10:12
  invite
• 10:13
  you
• 10:13
  to
• 10:13
  our
• 10:13
  financially
• 10:14
  confident
• 10:14
  Christian
• 10:14
  community.
• 10:15
  This
• 10:15
  is
• 10:15
  a
• 10:16
  place
• 10:16
  where
• 10:16
  we
• 10:16
  talk
• 10:16
  about
• 10:17
  what
• 10:17
  most
• 10:17
  people
• 10:17
  hide.
• 10:18
  We
• 10:18
  talk
• 10:18
  about
• 10:18
  money,
• 10:19
  mistakes.
• 10:19
  We
• 10:19
  talk
• 10:20
  about
• 10:20
  mercy.
• 10:20
  And
• 10:20
  it's
• 10:21
  a
• 10:21
  great
• 10:21
  place
• 10:21
  to
• 10:21
  find
• 10:21
  other
• 10:22
  believers
• 10:22
  who've
• 10:23
  been
• 10:23
  where
• 10:23
  you
• 10:23
  are,
• 10:24
  will
• 10:24
  help
• 10:24
  pray
• 10:25
  with
• 10:25
  you
• 10:25
  and
• 10:25
  will
• 10:26
  help
• 10:26
  push
• 10:26
  you
• 10:26
  to
• 10:26
  grow.
• 10:27
  So
• 10:27
  don't
• 10:27
  do
• 10:28
  faith
• 10:28
  and
• 10:28
  finances
• 10:29
  alone.
• 10:29
  Join
• 10:30
  the
• 10:30
  group.
• 10:30
  You
• 10:30
  can
• 10:31
  get
• 10:31
  to
• 10:31
  it
• 10:31
  by
• 10:31
  going
• 10:31
  to
• 10:32
  financiallyconfidentchristian.com/join
• 10:35
  again.
• 10:35
  That's
• 10:35
  financiallyconfidentfinancialchristian.com/join.
• 10:38
  why
• 10:38
  don't
• 10:38
  you
• 10:38
  join
• 10:39
  the
• 10:39
  group?
• 10:39
  You're
• 10:39
  going
• 10:39
  to
• 10:39
  find
• 10:39
  it
• 10:40
  to
• 10:40
  be
• 10:40
  great.
• 10:40
  It's
• 10:41
  absolutely
• 10:41
  free
• 10:41
  now.
• 10:41
  You
• 10:42
  can
• 10:42
  support
• 10:42
  the
• 10:42
  show.
• 10:42
  There
• 10:43
  are
• 10:43
  some
• 10:43
  great
• 10:43
  upgraded
• 10:44
  tiers,
• 10:44
  but
• 10:44
  check
• 10:45
  it
• 10:45
  out
• 10:46
  at
• 10:47
  financiallyconfidentchristian.com/join.
• 10:49
  And
• 10:49
  as
• 10:49
  I
• 10:49
  close
• 10:50
  out
• 10:50
  today,
• 10:50
  remember
• 10:51
  this,
• 10:51
  grace
• 10:52
  always
• 10:52
  wins
• 10:53
  over
• 10:53
  guilt
• 10:53
  and
• 10:54
  reflection
• 10:54
  is
• 10:54
  the
• 10:55
  bridge
• 10:55
  to
• 10:55
  redemption.
• 10:55
  And
• 10:56
  every
• 10:56
  mistake
• 10:57
  is
• 10:57
  a
• 10:57
  message.
• 10:58
  Every
• 10:58
  loss
• 10:59
  is
• 10:59
  a
• 10:59
  lesson.
• 11:00
  You're
• 11:00
  not
• 11:00
  falling
• 11:01
  behind.
• 11:01
  You're
• 11:02
  being
• 11:02
  prepared.
• 11:02
  So
• 11:03
  keep
• 11:03
  showing
• 11:03
  up.
• 11:03
  Keep.
• 11:04
  Keep
• 11:04
  trusting
• 11:04
  and
• 11:05
  keep
• 11:05
  learning.
• 11:05
  Because
• 11:06
  God's
• 11:06
  not
• 11:06
  done
• 11:06
  writing
• 11:07
  your
• 11:07
  story.
• 11:07
  Go
• 11:08
  out
• 11:08
  there
• 11:08
  today
• 11:08
  and
• 11:09
  be
• 11:09
  a
• 11:09
  financially
• 11:10
  confident
• 11:10
  Christian.
• 11:11
  Add
• 11:11
  to
• 11:11
  your
• 11:11
  story.
• 11:12
  Show
• 11:12
  that
• 11:13
  you
• 11:13
  can
• 11:13
  do
• 11:13
  this.
• 11:14
  I
• 11:14
  am
• 11:14
  confident
• 11:15
  in
• 11:15
  you.
• 11:15
  More
• 11:15
  than
• 11:15
  me,
• 11:16
  Christ
• 11:16
  is
• 11:16
  confident
• 11:17
  in
• 11:17
  you.
• 11:17
  Stay
• 11:17
  financially
• 11:18
  savvy
• 11:18
  out
• 11:18
  there
• 11:18
  today.
• 11:19
  God
• 11:19
  bless
• 11:19
  you.
• 11:19
  And
• 11:20
  I
• 11:20
  hope
• 11:20
  you
• 11:20
  join
• 11:20
  me
• 11:20
  again
• 11:21
  on
• 11:21
  tomorrow's
• 11:21
  show.