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How do we create a Christian holiday budget for gifts, food, and decor? · Becoming Financially Confident

• 0:37
  Ralph,
• 0:38
  the
• 0:38
  holidays
• 0:38
  always
• 0:38
  seem
• 0:39
  to
• 0:39
  drain
• 0:39
  my
• 0:39
  wallet.
• 0:40
  From
• 0:40
  gifts
• 0:41
  to
• 0:41
  food
• 0:41
  to
• 0:41
  travel
• 0:42
  and
• 0:42
  decorations.
• 0:43
  How
• 0:43
  do
• 0:43
  I
• 0:43
  make
• 0:44
  a
• 0:44
  holiday
• 0:44
  budget
• 0:44
  that
• 0:45
  actually
• 0:45
  works?
• 0:46
  Well,
• 0:47
  I
• 0:47
  thought
• 0:47
  we'd
• 0:47
  start
• 0:47
  with
• 0:48
  some
• 0:48
  statistics
• 0:48
  today.
• 0:49
  Abby,
• 0:50
  my
• 0:50
  producer,
• 0:50
  came
• 0:50
  up
• 0:51
  with
• 0:51
  these
• 0:51
  stats
• 0:51
  and
• 0:51
  these
• 0:51
  are
• 0:52
  perfect.
• 0:52
  Did
• 0:52
  you
• 0:52
  know
• 0:52
  the
• 0:52
  average
• 0:53
  American
• 0:54
  plan
• 0:54
  to
• 0:54
  spend
• 0:55
  $1,063
• 0:57
  this
• 0:57
  year
• 0:57
  on
• 0:58
  Christmas?
• 0:59
  And
• 0:59
  out
• 0:59
  of
• 0:59
  that,
• 1:00
  $677
• 1:02
  is
• 1:02
  going
• 1:02
  to
• 1:02
  go
• 1:02
  to
• 1:03
  gifts?
• 1:03
  That's
• 1:04
  like
• 1:04
  2/3
• 1:04
  of
• 1:04
  the
• 1:04
  budget.
• 1:05
  Now
• 1:06
  there's
• 1:06
  also
• 1:06
  things
• 1:06
  like
• 1:06
  food,
• 1:07
  decor
• 1:07
  and
• 1:07
  wrappings
• 1:08
  that
• 1:08
  average
• 1:08
  $387.
• 1:11
  Wait
• 1:11
  till
• 1:11
  you
• 1:11
  hear
• 1:11
  this
• 1:12
  one.
• 1:12
  Travel
• 1:12
  and
• 1:13
  experiences
• 1:15
  are
• 1:15
  estimated
• 1:16
  to
• 1:16
  be
• 1:16
  $735
• 1:17
  each.
• 1:19
  Listen,
• 1:19
  I'm
• 1:20
  a
• 1:20
  math
• 1:20
  guy.
• 1:20
  You
• 1:20
  add
• 1:20
  it
• 1:20
  all
• 1:20
  up
• 1:21
  at
• 1:21
  $1600,
• 1:23
  that's
• 1:23
  the
• 1:24
  food,
• 1:24
  the
• 1:24
  gifts,
• 1:25
  the
• 1:25
  clothing,
• 1:25
  the
• 1:25
  decor,
• 1:26
  all
• 1:26
  those
• 1:26
  things.
• 1:26
  And
• 1:26
  the
• 1:26
  truth
• 1:27
  is,
• 1:27
  listen,
• 1:28
  I
• 1:28
  learned
• 1:28
  this
• 1:28
  as
• 1:28
  a
• 1:28
  young
• 1:29
  person
• 1:29
  when
• 1:29
  we
• 1:29
  had
• 1:29
  two
• 1:30
  young
• 1:30
  kids
• 1:30
  at
• 1:30
  home.
• 1:31
  Holidays
• 1:31
  add
• 1:31
  up
• 1:31
  fast.
• 1:33
  But
• 1:33
  I've
• 1:33
  got
• 1:33
  a
• 1:33
  solution
• 1:34
  with
• 1:34
  four
• 1:34
  buckets.
• 1:35
  I'm
• 1:35
  going
• 1:35
  to
• 1:35
  tell
• 1:35
  you
• 1:35
  about
• 1:35
  those
• 1:35
  four
• 1:35
  buckets
• 1:36
  today
• 1:36
  on
• 1:36
  the
• 1:36
  show
• 1:36
  and
• 1:37
  a
• 1:37
  written
• 1:37
  plan
• 1:37
  so
• 1:38
  we're
• 1:38
  not
• 1:38
  just
• 1:38
  guessing.
• 1:39
  You
• 1:39
  can
• 1:40
  truly
• 1:40
  enjoy
• 1:40
  this
• 1:41
  season
• 1:41
  without
• 1:41
  going
• 1:42
  into
• 1:42
  debt.
• 1:42
  That's
• 1:43
  what
• 1:43
  we're
• 1:43
  going
• 1:43
  to
• 1:43
  cover
• 1:43
  on
• 1:43
  today's
• 1:44
  show.
• 1:45
  This
• 1:46
  is
• 1:46
  Financially
• 1:47
  Confident
• 1:47
  Christian,
• 1:48
  your
• 1:48
  daily
• 1:48
  dose
• 1:49
  of
• 1:49
  gospel,
• 1:49
  grounded
• 1:50
  insight
• 1:50
  and
• 1:50
  faith
• 1:51
  driven
• 1:51
  tips
• 1:52
  to
• 1:52
  help
• 1:52
  you
• 1:52
  break
• 1:52
  the
• 1:53
  cycle
• 1:53
  of
• 1:53
  financial
• 1:53
  shame
• 1:54
  with
• 1:54
  confidence.
• 1:57
  Hi
• 1:58
  there,
• 1:58
  I'm
• 1:58
  Ralph.
• 1:58
  Thank
• 1:58
  you
• 1:59
  for
• 1:59
  choosing
• 1:59
  to
• 1:59
  spend
• 2:00
  some
• 2:00
  time
• 2:00
  with
• 2:00
  me
• 2:00
  today.
• 2:01
  We're
• 2:01
  talking
• 2:01
  about
• 2:01
  holiday
• 2:02
  spending
• 2:02
  and
• 2:02
  we're
• 2:03
  talking
• 2:03
  about
• 2:03
  doing
• 2:03
  it
• 2:03
  without
• 2:04
  the
• 2:04
  stress.
• 2:05
  Listen,
• 2:05
  I'll
• 2:06
  tell
• 2:06
  you
• 2:06
  right
• 2:06
  now,
• 2:06
  personally,
• 2:07
  I've
• 2:07
  seen
• 2:07
  how
• 2:08
  a
• 2:08
  written
• 2:08
  plan
• 2:08
  turns
• 2:09
  holiday
• 2:09
  chaos
• 2:10
  into
• 2:10
  peace.
• 2:11
  I
• 2:11
  remember
• 2:11
  his
• 2:11
  client,
• 2:12
  client
• 2:12
  came
• 2:12
  in
• 2:12
  to
• 2:12
  see
• 2:12
  me.
• 2:13
  Let's
• 2:13
  call
• 2:13
  him
• 2:13
  Bob.
• 2:13
  Bob
• 2:14
  came
• 2:14
  in
• 2:14
  to
• 2:14
  see
• 2:14
  me
• 2:14
  one
• 2:15
  January,
• 2:15
  said,
• 2:15
  Ralph,
• 2:16
  every
• 2:16
  single
• 2:17
  year,
• 2:17
  the
• 2:17
  holidays,
• 2:18
  man,
• 2:18
  I
• 2:18
  go
• 2:19
  broke,
• 2:19
  I
• 2:19
  got
• 2:19
  nothing
• 2:20
  left.
• 2:21
  He
• 2:21
  said,
• 2:21
  what
• 2:21
  can
• 2:22
  I
• 2:22
  do?
• 2:22
  I
• 2:22
  said,
• 2:22
  oh,
• 2:22
  I'm
• 2:22
  glad.
• 2:23
  I'm
• 2:23
  so
• 2:23
  happy
• 2:23
  you
• 2:23
  came
• 2:23
  in
• 2:23
  to
• 2:23
  see
• 2:24
  me.
• 2:24
  I
• 2:24
  got
• 2:24
  a
• 2:24
  plan
• 2:24
  for
• 2:25
  you.
• 2:25
  I
• 2:25
  said,
• 2:25
  this
• 2:25
  worked
• 2:25
  well.
• 2:26
  My
• 2:26
  kids
• 2:26
  were
• 2:26
  young.
• 2:27
  My
• 2:27
  wife
• 2:27
  and
• 2:27
  I
• 2:27
  sat
• 2:28
  down
• 2:28
  one
• 2:28
  Sunday
• 2:28
  and
• 2:28
  we
• 2:29
  said,
• 2:29
  okay,
• 2:29
  we
• 2:29
  got
• 2:29
  to
• 2:29
  get
• 2:30
  through
• 2:30
  Christmas
• 2:30
  this
• 2:30
  year.
• 2:31
  I
• 2:31
  remember
• 2:31
  the
• 2:31
  kids
• 2:31
  were
• 2:32
  like
• 2:32
  2
• 2:32
  and
• 2:32
  5
• 2:33
  years
• 2:33
  old.
• 2:33
  They
• 2:33
  were
• 2:33
  young
• 2:34
  fellows
• 2:34
  at
• 2:34
  that
• 2:35
  point.
• 2:35
  We
• 2:35
  sat
• 2:36
  down,
• 2:36
  we
• 2:36
  wrote
• 2:36
  down
• 2:36
  four
• 2:37
  categories,
• 2:37
  just
• 2:37
  simply
• 2:38
  four
• 2:38
  gifts,
• 2:39
  food,
• 2:40
  decor
• 2:40
  and
• 2:40
  extras.
• 2:41
  We
• 2:42
  wrote
• 2:42
  down
• 2:42
  a
• 2:42
  plan.
• 2:42
  I'm
• 2:42
  going
• 2:42
  to
• 2:42
  tell
• 2:43
  you
• 2:43
  how
• 2:43
  to
• 2:43
  do
• 2:43
  that
• 2:43
  in
• 2:43
  a
• 2:43
  few
• 2:43
  minutes.
• 2:44
  And
• 2:44
  we
• 2:44
  stuck
• 2:44
  to
• 2:45
  that
• 2:45
  plan.
• 2:45
  And
• 2:46
  he
• 2:46
  ended
• 2:46
  the
• 2:46
  season
• 2:47
  debt
• 2:47
  free
• 2:47
  for
• 2:48
  the
• 2:48
  first
• 2:48
  time
• 2:48
  in
• 2:48
  years.
• 2:48
  Well,
• 2:48
  this
• 2:49
  client
• 2:49
  said,
• 2:49
  Ralph,
• 2:49
  I'M
• 2:50
  going
• 2:50
  to
• 2:50
  try
• 2:50
  it.
• 2:50
  Help
• 2:51
  me
• 2:51
  with
• 2:51
  that.
• 2:51
  I
• 2:51
  showed
• 2:52
  him
• 2:52
  how
• 2:52
  to
• 2:52
  do
• 2:52
  it
• 2:52
  and
• 2:52
  guess
• 2:53
  what?
• 2:53
  He
• 2:53
  made
• 2:54
  it
• 2:54
  through.
• 2:55
  And
• 2:55
  I
• 2:55
  love
• 2:55
  what
• 2:56
  this.
• 2:56
  Now
• 2:56
  I'm
• 2:56
  going
• 2:56
  to
• 2:56
  butcher
• 2:57
  this
• 2:57
  dude's
• 2:57
  name.
• 2:58
  He's
• 2:58
  a
• 2:58
  French
• 2:58
  poet.
• 2:59
  It's
• 2:59
  Antoine
• 3:00
  de
• 3:00
  Saint
• 3:01
  X
• 3:01
  Puree.
• 3:01
  I
• 3:02
  think
• 3:02
  I
• 3:02
  got
• 3:02
  that
• 3:02
  right.
• 3:03
  And
• 3:03
  this
• 3:03
  is
• 3:03
  what
• 3:03
  he
• 3:03
  said.
• 3:04
  He
• 3:04
  said,
• 3:04
  a
• 3:04
  goal
• 3:04
  without
• 3:04
  a
• 3:05
  plan
• 3:05
  is
• 3:05
  just
• 3:05
  a
• 3:06
  wish.
• 3:06
  You
• 3:07
  know
• 3:07
  what?
• 3:07
  That
• 3:07
  is
• 3:07
  so
• 3:07
  perfect.
• 3:08
  A
• 3:09
  goal
• 3:09
  without
• 3:09
  a
• 3:09
  plan
• 3:10
  is
• 3:10
  just
• 3:10
  a
• 3:10
  wish.
• 3:10
  If
• 3:10
  we
• 3:10
  keep
• 3:11
  on
• 3:11
  making
• 3:11
  wishes,
• 3:12
  we're
• 3:12
  not
• 3:12
  going
• 3:12
  to
• 3:12
  get
• 3:13
  anywhere.
• 3:13
  So
• 3:13
  let's
• 3:13
  get
• 3:13
  right
• 3:13
  into
• 3:14
  my
• 3:14
  four
• 3:14
  bucket
• 3:14
  approach.
• 3:15
  Four
• 3:16
  buckets.
• 3:16
  Keep
• 3:16
  it
• 3:17
  simple.
• 3:17
  I'm
• 3:17
  a
• 3:17
  believer.
• 3:18
  I'm
• 3:18
  kind
• 3:18
  of
• 3:18
  a
• 3:18
  simple
• 3:18
  guy.
• 3:19
  Keep
• 3:19
  it
• 3:19
  simple.
• 3:20
  Get
• 3:20
  a
• 3:20
  piece
• 3:20
  of
• 3:21
  paper
• 3:21
  out
• 3:21
  and
• 3:21
  just
• 3:21
  write
• 3:21
  down
• 3:22
  gifts,
• 3:23
  food,
• 3:23
  decor
• 3:24
  and
• 3:24
  extras.
• 3:25
  Now,
• 3:25
  when
• 3:25
  I
• 3:25
  say
• 3:25
  extras,
• 3:26
  that's
• 3:26
  stuff
• 3:26
  like
• 3:26
  travel
• 3:26
  or
• 3:27
  events.
• 3:28
  Put
• 3:28
  those
• 3:28
  four
• 3:28
  things
• 3:29
  down.
• 3:29
  Next
• 3:29
  thing
• 3:29
  I
• 3:30
  want
• 3:30
  you
• 3:30
  to
• 3:30
  do
• 3:30
  is
• 3:31
  write
• 3:31
  down
• 3:31
  the
• 3:32
  realistic
• 3:32
  numbers
• 3:33
  that
• 3:33
  fit
• 3:33
  your
• 3:33
  overall
• 3:34
  budget.
• 3:35
  I
• 3:35
  don't
• 3:35
  know
• 3:35
  what
• 3:35
  your
• 3:35
  budget
• 3:36
  is.
• 3:36
  Think
• 3:37
  about
• 3:37
  it.
• 3:37
  What
• 3:37
  can
• 3:37
  we
• 3:38
  really.
• 3:38
  And
• 3:38
  we'll
• 3:38
  talk
• 3:38
  in
• 3:39
  this
• 3:39
  series
• 3:39
  more
• 3:39
  about
• 3:40
  how
• 3:40
  to
• 3:40
  get
• 3:40
  saved
• 3:41
  for
• 3:41
  Christmas,
• 3:41
  how
• 3:42
  to
• 3:42
  do
• 3:42
  those
• 3:42
  things
• 3:42
  to
• 3:43
  set
• 3:43
  that
• 3:43
  money
• 3:43
  up.
• 3:43
  But
• 3:43
  for
• 3:43
  right
• 3:44
  now,
• 3:44
  put
• 3:44
  a
• 3:45
  realistic
• 3:45
  number
• 3:45
  that
• 3:46
  fits
• 3:46
  your
• 3:46
  budget
• 3:46
  next
• 3:47
  to
• 3:47
  each
• 3:47
  one.
• 3:47
  Write
• 3:47
  it
• 3:48
  down
• 3:48
  because
• 3:48
  a
• 3:49
  written
• 3:49
  plan
• 3:49
  is
• 3:50
  guardrails
• 3:50
  on
• 3:50
  the
• 3:51
  road.
• 3:51
  Helps
• 3:51
  keep
• 3:51
  you
• 3:51
  safe.
• 3:52
  You
• 3:52
  know,
• 3:52
  it's
• 3:52
  not
• 3:52
  just
• 3:52
  that
• 3:52
  wish
• 3:53
  like
• 3:53
  the
• 3:53
  guy
• 3:53
  talked
• 3:53
  about.
• 3:54
  And
• 3:55
  when
• 3:55
  you
• 3:55
  do
• 3:55
  this,
• 3:55
  you're
• 3:56
  going
• 3:56
  to
• 3:56
  get
• 3:56
  peace
• 3:57
  in
• 3:57
  this
• 3:57
  because
• 3:57
  you're
• 3:58
  planning
• 3:58
  it.
• 3:58
  You're
• 3:59
  going
• 3:59
  to
• 3:59
  stop
• 3:59
  guessing
• 4:00
  because
• 4:00
  guess
• 4:00
  what?
• 4:00
  Here's
• 4:01
  the
• 4:01
  thing.
• 4:01
  When
• 4:01
  you
• 4:02
  start
• 4:02
  guessing,
• 4:02
  it
• 4:02
  creates
• 4:03
  stress.
• 4:03
  I
• 4:03
  remember
• 4:03
  when
• 4:03
  the
• 4:04
  kids
• 4:04
  were
• 4:04
  young,
• 4:04
  my
• 4:05
  wife
• 4:05
  would
• 4:05
  go
• 4:05
  buy
• 4:05
  something,
• 4:06
  I'd
• 4:06
  go
• 4:06
  buy
• 4:06
  some.
• 4:06
  We'd
• 4:07
  get
• 4:07
  together
• 4:07
  that
• 4:07
  night.
• 4:07
  I'm
• 4:08
  like,
• 4:08
  what
• 4:08
  did
• 4:08
  you
• 4:08
  spend?
• 4:08
  I
• 4:08
  don't
• 4:09
  remember.
• 4:09
  Then
• 4:09
  we
• 4:10
  had
• 4:10
  no
• 4:10
  idea
• 4:10
  how
• 4:10
  much
• 4:11
  we
• 4:11
  spent.
• 4:11
  By
• 4:11
  the
• 4:12
  time
• 4:12
  we
• 4:12
  got
• 4:12
  to
• 4:12
  Christmas,
• 4:12
  man,
• 4:13
  we
• 4:13
  had
• 4:13
  gone
• 4:13
  over
• 4:14
  and
• 4:14
  above.
• 4:15
  That's
• 4:15
  when
• 4:16
  you
• 4:16
  get
• 4:16
  into
• 4:16
  anxiety.
• 4:17
  That's
• 4:17
  when
• 4:17
  you're
• 4:18
  getting
• 4:18
  distress.
• 4:18
  But
• 4:19
  listen,
• 4:19
  a
• 4:19
  budget.
• 4:20
  Yeah,
• 4:20
  Ralph
• 4:20
  talks
• 4:21
  about
• 4:21
  budgets.
• 4:21
  A
• 4:21
  budget
• 4:22
  brings
• 4:22
  freedom
• 4:22
  and
• 4:23
  calm.
• 4:23
  Let's
• 4:23
  get
• 4:23
  right
• 4:23
  into
• 4:24
  the
• 4:24
  Bible.
• 4:24
  I
• 4:24
  love
• 4:25
  this
• 4:25
  Bible
• 4:25
  verse
• 4:26
  from
• 4:26
  the
• 4:26
  book
• 4:26
  of
• 4:26
  Luke,
• 4:27
  chapter
• 4:27
  14,
• 4:28
  verse
• 4:28
  28.
• 4:29
  It's
• 4:29
  all
• 4:29
  about
• 4:30
  planning.
• 4:30
  It
• 4:30
  says,
• 4:30
  suppose
• 4:31
  one
• 4:31
  of
• 4:31
  you
• 4:31
  wants
• 4:31
  to
• 4:32
  build
• 4:32
  a
• 4:32
  tower.
• 4:32
  I
• 4:32
  can't
• 4:33
  even
• 4:33
  imagine
• 4:33
  trying
• 4:33
  to
• 4:33
  build
• 4:34
  a
• 4:34
  tower.
• 4:34
  But
• 4:34
  let's
• 4:35
  just
• 4:35
  say
• 4:35
  we're
• 4:35
  going
• 4:35
  to
• 4:35
  build
• 4:35
  a
• 4:36
  tower.
• 4:36
  If
• 4:37
  we're
• 4:37
  going
• 4:37
  to
• 4:37
  build
• 4:37
  a
• 4:37
  tower,
• 4:38
  Bible
• 4:38
  says,
• 4:38
  won't
• 4:39
  you
• 4:39
  first
• 4:39
  sit
• 4:39
  down
• 4:40
  and
• 4:40
  estimate
• 4:40
  the
• 4:40
  cost
• 4:41
  to
• 4:41
  see
• 4:41
  if
• 4:41
  you
• 4:41
  have
• 4:41
  enough
• 4:42
  money
• 4:42
  to
• 4:42
  complete
• 4:42
  it.
• 4:43
  Now
• 4:43
  that
• 4:43
  verse
• 4:43
  goes
• 4:44
  on
• 4:44
  to
• 4:44
  say,
• 4:44
  because
• 4:45
  if
• 4:45
  you
• 4:45
  don't
• 4:45
  and
• 4:46
  you
• 4:46
  can't
• 4:46
  build
• 4:46
  it,
• 4:46
  people
• 4:46
  are
• 4:47
  going
• 4:47
  to
• 4:47
  ridicule
• 4:47
  you.
• 4:48
  It's
• 4:48
  a
• 4:48
  really
• 4:49
  good
• 4:49
  point,
• 4:49
  isn't
• 4:49
  it?
• 4:50
  Let's
• 4:50
  pray
• 4:50
  today.
• 4:52
  Lord,
• 4:52
  we
• 4:52
  just
• 4:52
  come
• 4:53
  to
• 4:53
  you
• 4:53
  right
• 4:53
  now
• 4:53
  and
• 4:53
  we
• 4:54
  ask
• 4:54
  you
• 4:54
  for
• 4:54
  discipline
• 4:55
  to
• 4:55
  plan
• 4:56
  our
• 4:57
  lives
• 4:57
  accordingly.
• 4:58
  Help
• 4:59
  us
• 4:59
  to
• 4:59
  see
• 4:59
  the
• 4:59
  joy
• 5:00
  in
• 5:00
  the
• 5:00
  simple
• 5:01
  but
• 5:01
  intentional
• 5:02
  spending
• 5:02
  plans
• 5:02
  for
• 5:03
  this
• 5:03
  Christmas.
• 5:03
  We
• 5:03
  ask
• 5:03
  for
• 5:04
  peace
• 5:04
  instead
• 5:05
  of
• 5:05
  pressure
• 5:05
  this
• 5:05
  holiday.
• 5:06
  We
• 5:06
  ask
• 5:06
  this
• 5:06
  in
• 5:07
  the
• 5:07
  name
• 5:07
  of
• 5:07
  Jesus.
• 5:08
  Amen.
• 5:09
  All
• 5:09
  right,
• 5:09
  so
• 5:09
  here's
• 5:09
  your
• 5:09
  action
• 5:10
  step
• 5:10
  for
• 5:10
  today.
• 5:11
  I
• 5:11
  want
• 5:11
  you
• 5:11
  to
• 5:11
  create
• 5:12
  this
• 5:12
  simple
• 5:12
  four
• 5:13
  part
• 5:13
  holiday
• 5:14
  budget.
• 5:14
  Again
• 5:15
  four
• 5:15
  categories,
• 5:16
  gifts,
• 5:17
  food,
• 5:18
  decor
• 5:18
  and
• 5:19
  extras.
• 5:19
  And
• 5:19
  I
• 5:19
  want
• 5:20
  you
• 5:20
  to
• 5:20
  assign
• 5:20
  a
• 5:20
  dollar
• 5:20
  amount
• 5:21
  to
• 5:21
  each
• 5:21
  one.
• 5:21
  Write
• 5:22
  it
• 5:22
  down.
• 5:22
  Don't
• 5:22
  just
• 5:23
  think
• 5:23
  about
• 5:23
  it
• 5:23
  because
• 5:23
  listen,
• 5:24
  what
• 5:24
  did
• 5:24
  the
• 5:24
  guy
• 5:24
  say?
• 5:25
  Thoughts
• 5:25
  are
• 5:26
  wishes.
• 5:26
  This
• 5:27
  is
• 5:27
  a
• 5:27
  plan.
• 5:27
  For
• 5:28
  example,
• 5:28
  maybe
• 5:28
  you
• 5:29
  put
• 5:29
  gifts
• 5:29
  500
• 5:30
  bucks,
• 5:30
  food
• 5:31
  200
• 5:31
  bucks.
• 5:32
  Don't
• 5:32
  forget
• 5:32
  about
• 5:32
  the
• 5:32
  food.
• 5:32
  A
• 5:32
  lot
• 5:33
  of
• 5:33
  people
• 5:33
  don't
• 5:33
  think
• 5:33
  about
• 5:33
  that.
• 5:34
  And
• 5:34
  then
• 5:34
  all
• 5:34
  of
• 5:34
  a
• 5:34
  sudden
• 5:34
  you
• 5:35
  got
• 5:35
  this
• 5:35
  house
• 5:35
  full
• 5:35
  of
• 5:35
  people
• 5:36
  and
• 5:36
  and
• 5:36
  your
• 5:37
  grocery
• 5:37
  budget
• 5:37
  is
• 5:38
  out
• 5:38
  the
• 5:38
  window
• 5:38
  because
• 5:39
  you
• 5:39
  weren't
• 5:39
  expecting
• 5:39
  that.
• 5:40
  So
• 5:40
  let's
• 5:40
  say
• 5:40
  gifts
• 5:41
  500,
• 5:41
  food
• 5:41
  200,
• 5:42
  decor
• 5:42
  75
• 5:43
  and
• 5:43
  then
• 5:43
  throw
• 5:43
  some
• 5:44
  extras
• 5:44
  in
• 5:44
  for
• 5:44
  150.
• 5:45
  Write
• 5:46
  it
• 5:46
  down
• 5:46
  today
• 5:46
  because
• 5:47
  you
• 5:47
  can
• 5:47
  turn
• 5:47
  that
• 5:48
  stress
• 5:48
  into
• 5:48
  a
• 5:48
  plan.
• 5:49
  So
• 5:49
  I'm
• 5:49
  encourage
• 5:49
  you
• 5:50
  write
• 5:50
  a
• 5:50
  few
• 5:50
  minutes
• 5:51
  today.
• 5:51
  Your
• 5:51
  future
• 5:52
  self
• 5:52
  will
• 5:52
  thank
• 5:53
  you.
• 5:53
  Now
• 5:53
  one
• 5:53
  of
• 5:53
  the
• 5:53
  things
• 5:53
  I
• 5:54
  want
• 5:54
  to
• 5:54
  offer
• 5:54
  you
• 5:54
  right
• 5:54
  now
• 5:55
  is
• 5:55
  I
• 5:55
  just
• 5:55
  finished
• 5:56
  writing
• 5:56
  my
• 5:56
  third
• 5:56
  book.
• 5:57
  It's
• 5:57
  really
• 5:58
  a
• 5:58
  way
• 5:58
  to
• 5:58
  learn
• 5:58
  practical
• 5:59
  God
• 5:59
  centered
• 5:59
  money
• 6:00
  habits.
• 6:00
  It's
• 6:00
  my
• 6:01
  30
• 6:01
  years
• 6:01
  of
• 6:01
  experience
• 6:02
  in
• 6:02
  this
• 6:02
  field
• 6:03
  and
• 6:03
  and
• 6:03
  I
• 6:03
  do
• 6:03
  some
• 6:04
  real
• 6:04
  live
• 6:04
  things
• 6:05
  of
• 6:05
  what
• 6:05
  has
• 6:05
  worked
• 6:06
  for
• 6:06
  my
• 6:06
  people
• 6:06
  that
• 6:06
  I've
• 6:07
  worked
• 6:07
  with.
• 6:07
  I
• 6:07
  want
• 6:07
  to
• 6:07
  give
• 6:07
  you
• 6:07
  a
• 6:08
  free
• 6:08
  copy
• 6:08
  of
• 6:08
  that
• 6:08
  book.
• 6:09
  You
• 6:09
  can
• 6:09
  get
• 6:09
  to
• 6:09
  that
• 6:09
  book
• 6:09
  by
• 6:10
  going
• 6:10
  to
• 6:10
  financiallyconfidentchristian.com/becoming
• 6:13
  I'm
• 6:14
  going
• 6:14
  to
• 6:14
  give
• 6:14
  it
• 6:14
  to
• 6:14
  you
• 6:14
  one
• 6:14
  more
• 6:14
  time.
• 6:15
  It's
• 6:15
  financiallyconfidentchristian.com/becoming
• 6:19
  go
• 6:19
  download
• 6:19
  that
• 6:19
  book.
• 6:20
  It
• 6:20
  could
• 6:20
  be
• 6:20
  a
• 6:20
  great
• 6:21
  gift
• 6:21
  to
• 6:21
  give
• 6:21
  somebody
• 6:22
  for
• 6:22
  the
• 6:22
  holidays
• 6:22
  as
• 6:22
  well.
• 6:22
  But
• 6:23
  for
• 6:23
  you
• 6:23
  it's
• 6:23
  absolutely
• 6:24
  free.
• 6:24
  Well,
• 6:24
  I
• 6:25
  want
• 6:25
  to
• 6:25
  thank
• 6:25
  you
• 6:25
  for
• 6:25
  joining
• 6:25
  me
• 6:26
  today
• 6:26
  and
• 6:26
  I
• 6:26
  hope
• 6:27
  this
• 6:27
  episode
• 6:28
  has
• 6:28
  inspired
• 6:28
  you
• 6:29
  to
• 6:29
  take
• 6:29
  those
• 6:29
  intentional
• 6:30
  steps
• 6:30
  so
• 6:30
  that
• 6:31
  you
• 6:31
  truly
• 6:31
  can
• 6:31
  have
• 6:31
  a
• 6:32
  joyful
• 6:32
  and
• 6:33
  and
• 6:33
  stress
• 6:33
  free
• 6:33
  holiday
• 6:33
  season.
• 6:34
  Remember
• 6:34
  this
• 6:35
  clarity,
• 6:36
  that
• 6:36
  joy,
• 6:37
  that
• 6:37
  feeling
• 6:38
  of
• 6:38
  peace
• 6:38
  starts
• 6:39
  with
• 6:39
  a
• 6:39
  plan
• 6:40
  and
• 6:40
  peace
• 6:40
  comes
• 6:41
  when
• 6:41
  you
• 6:41
  act
• 6:41
  on
• 6:41
  it.
• 6:41
  So
• 6:42
  let's
• 6:42
  make
• 6:42
  this
• 6:42
  season
• 6:42
  one
• 6:43
  of
• 6:43
  purpose,
• 6:43
  not
• 6:44
  pressure.
• 6:45
  Stay
• 6:45
  financially
• 6:45
  savvy.
• 6:46
  God
• 6:46
  bless
• 6:47
  you
• 6:47
  and
• 6:47
  you
• 6:47
  have
• 6:47
  a
• 6:47
  great
• 6:48
  day
• 6:48
  today.