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Should I Use My Inheritance Now or Protect It for the Future? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  been
• 0:38
  given
• 0:38
  something
• 0:38
  that
• 0:39
  felt
• 0:39
  like
• 0:39
  both
• 0:39
  a
• 0:40
  gift
• 0:40
  and
• 0:40
  a
• 0:40
  responsibility
• 0:41
  at
• 0:41
  the
• 0:41
  same
• 0:42
  time?
• 0:43
  Something
• 0:43
  that
• 0:43
  could
• 0:43
  bring
• 0:44
  you
• 0:44
  relief
• 0:44
  today,
• 0:45
  but
• 0:45
  might
• 0:46
  shape
• 0:46
  your
• 0:46
  future
• 0:46
  tomorrow?
• 0:48
  And
• 0:48
  now
• 0:48
  you're
• 0:49
  sitting
• 0:49
  there
• 0:49
  wondering,
• 0:50
  do
• 0:50
  I
• 0:50
  use
• 0:51
  this
• 0:51
  now
• 0:52
  or
• 0:52
  do
• 0:52
  I
• 0:52
  protect
• 0:53
  it
• 0:53
  for
• 0:53
  later?
• 0:54
  If
• 0:55
  you've
• 0:55
  ever
• 0:55
  felt
• 0:55
  torn
• 0:56
  between
• 0:56
  immediate
• 0:57
  security
• 0:57
  and
• 0:57
  long
• 0:58
  term
• 0:58
  wisdom,
• 0:59
  today
• 0:59
  we're
• 0:59
  going
• 0:59
  to
• 1:00
  walk
• 1:00
  through
• 1:00
  that
• 1:00
  tension
• 1:01
  with
• 1:01
  clarity
• 1:02
  and
• 1:02
  with
• 1:02
  peace.
• 1:23
  Hey,
• 1:23
  friend.
• 1:24
  Ralph
• 1:24
  Estep
• 1:25
  Jr.
• 1:25
  Here.
• 1:25
  Welcome
• 1:26
  to
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:28
  This
• 1:28
  is
• 1:28
  the
• 1:29
  show
• 1:29
  where
• 1:29
  every
• 1:29
  day
• 1:30
  my
• 1:30
  goal
• 1:30
  is
• 1:30
  to
• 1:30
  help
• 1:31
  you
• 1:31
  break
• 1:31
  that
• 1:31
  cycle
• 1:32
  of
• 1:32
  financial
• 1:32
  shame
• 1:33
  and,
• 1:33
  and
• 1:33
  live
• 1:34
  with
• 1:34
  confidence.
• 1:36
  And
• 1:36
  the
• 1:36
  truth
• 1:36
  is,
• 1:36
  some
• 1:37
  financial
• 1:37
  decisions
• 1:38
  feel
• 1:38
  heavier
• 1:38
  because
• 1:38
  they
• 1:39
  affect
• 1:39
  both
• 1:39
  today
• 1:40
  and
• 1:40
  tomorrow.
• 1:41
  So
• 1:42
  today
• 1:42
  I
• 1:42
  want
• 1:42
  to
• 1:42
  get
• 1:42
  really
• 1:43
  specific.
• 1:43
  We
• 1:43
  got
• 1:43
  a
• 1:43
  listener
• 1:44
  question,
• 1:44
  and
• 1:45
  that's
• 1:45
  whether
• 1:45
  to
• 1:45
  use
• 1:46
  an
• 1:46
  inheritance
• 1:46
  now
• 1:47
  or
• 1:47
  protect
• 1:48
  for
• 1:48
  the
• 1:48
  future.
• 1:49
  Now,
• 1:50
  I'm
• 1:50
  going
• 1:50
  to
• 1:50
  tell
• 1:50
  you
• 1:50
  right
• 1:50
  now,
• 1:51
  there's
• 1:51
  not
• 1:51
  always
• 1:51
  a
• 1:52
  simple
• 1:52
  right
• 1:52
  or
• 1:52
  wrong
• 1:53
  decision
• 1:53
  here.
• 1:54
  But
• 1:54
  let's
• 1:54
  get
• 1:54
  right
• 1:54
  into
• 1:55
  today's
• 1:55
  listener
• 1:56
  question.
• 1:57
  Listener
• 1:57
  wrote
• 1:57
  this.
• 1:58
  Ralph,
• 1:58
  I
• 1:58
  recently
• 1:59
  lost
• 1:59
  my
• 1:59
  job,
• 2:01
  and
• 2:01
  now
• 2:01
  I'm
• 2:01
  facing
• 2:01
  a
• 2:01
  decision
• 2:02
  that
• 2:02
  feels
• 2:02
  bigger
• 2:03
  than
• 2:03
  I'm
• 2:03
  ready
• 2:03
  for.
• 2:04
  My
• 2:04
  parents
• 2:05
  offered
• 2:05
  to
• 2:05
  give
• 2:05
  me
• 2:06
  my
• 2:06
  inheritance
• 2:06
  early.
• 2:07
  Those
• 2:07
  are
• 2:08
  nice
• 2:08
  parents,
• 2:08
  aren't
• 2:08
  they?
• 2:09
  Enough
• 2:09
  to
• 2:10
  pay
• 2:10
  off
• 2:10
  my
• 2:10
  mortgage
• 2:11
  and
• 2:11
  ease
• 2:11
  the
• 2:11
  pressure
• 2:12
  while
• 2:12
  I
• 2:12
  get
• 2:12
  back
• 2:12
  on
• 2:12
  my
• 2:13
  feet.
• 2:14
  Part
• 2:14
  of
• 2:14
  me
• 2:14
  feels
• 2:15
  relieved
• 2:15
  at
• 2:15
  the
• 2:15
  thought
• 2:15
  of
• 2:16
  being
• 2:16
  debt
• 2:16
  free
• 2:16
  right
• 2:17
  now.
• 2:18
  Another
• 2:18
  part
• 2:18
  wonders
• 2:19
  if
• 2:19
  I'd
• 2:20
  be
• 2:20
  giving
• 2:20
  up
• 2:20
  something
• 2:20
  wiser
• 2:21
  by
• 2:21
  not
• 2:21
  letting
• 2:22
  the
• 2:22
  money
• 2:22
  grow
• 2:22
  for
• 2:22
  the
• 2:23
  future.
• 2:24
  It
• 2:24
  feels
• 2:24
  like
• 2:24
  I'm
• 2:25
  choosing
• 2:25
  between
• 2:25
  security
• 2:26
  today
• 2:26
  and
• 2:27
  stewardship
• 2:27
  for
• 2:27
  tomorrow.
• 2:29
  How
• 2:29
  do
• 2:29
  I
• 2:29
  think
• 2:30
  through
• 2:30
  a
• 2:30
  decision
• 2:30
  like
• 2:31
  this
• 2:31
  with
• 2:31
  wisdom
• 2:32
  and
• 2:32
  long
• 2:33
  term
• 2:33
  perspective?
• 2:35
  Well,
• 2:35
  first
• 2:35
  of
• 2:35
  all,
• 2:35
  thank
• 2:36
  you
• 2:36
  so
• 2:36
  much
• 2:36
  for
• 2:36
  your
• 2:37
  question.
• 2:37
  It's
• 2:38
  a
• 2:38
  very
• 2:39
  honest
• 2:39
  and
• 2:39
  important
• 2:40
  question
• 2:41
  because
• 2:41
  right
• 2:41
  now
• 2:42
  you're
• 2:42
  living
• 2:42
  in
• 2:42
  this
• 2:43
  emotional
• 2:43
  feeling
• 2:44
  of
• 2:44
  job
• 2:44
  loss,
• 2:46
  and
• 2:46
  that's
• 2:46
  not
• 2:46
  an
• 2:46
  easy
• 2:47
  thing
• 2:47
  to
• 2:47
  deal
• 2:47
  with.
• 2:48
  But
• 2:48
  I
• 2:49
  want
• 2:49
  to
• 2:49
  tell
• 2:49
  you
• 2:49
  right
• 2:49
  now,
• 2:49
  this
• 2:50
  is
• 2:50
  not
• 2:50
  just
• 2:50
  a
• 2:50
  math
• 2:51
  question.
• 2:51
  I
• 2:51
  think
• 2:52
  in
• 2:53
  your
• 2:53
  question
• 2:53
  you
• 2:53
  kind
• 2:53
  of
• 2:53
  make
• 2:54
  it
• 2:54
  sound
• 2:54
  like
• 2:54
  it's
• 2:54
  a
• 2:54
  math
• 2:55
  question.
• 2:55
  It's
• 2:56
  a
• 2:56
  little
• 2:56
  bigger
• 2:56
  than
• 2:56
  that.
• 2:57
  It
• 2:57
  involves
• 2:57
  timing.
• 2:58
  It
• 2:58
  involves
• 2:59
  responsibility,
• 3:00
  security,
• 3:01
  family.
• 3:02
  And
• 3:02
  yes,
• 3:03
  like
• 3:03
  you've
• 3:03
  alluded
• 3:03
  to,
• 3:03
  future
• 3:04
  planning.
• 3:05
  And
• 3:05
  you
• 3:05
  might
• 3:06
  be
• 3:06
  sitting
• 3:06
  there
• 3:06
  right
• 3:06
  now
• 3:07
  and
• 3:07
  you're
• 3:07
  afraid
• 3:07
  of
• 3:07
  making
• 3:08
  the
• 3:08
  wrong
• 3:08
  choice,
• 3:10
  but
• 3:10
  you're
• 3:10
  not
• 3:10
  choosing
• 3:11
  between
• 3:11
  obvious
• 3:12
  good
• 3:12
  and
• 3:12
  bad
• 3:13
  things.
• 3:14
  You're
• 3:14
  honestly
• 3:14
  choosing
• 3:15
  between
• 3:15
  two
• 3:15
  good
• 3:15
  things
• 3:16
  that
• 3:16
  can
• 3:17
  serve
• 3:17
  you
• 3:17
  in
• 3:17
  different
• 3:18
  seasons.
• 3:19
  And
• 3:19
  friend,
• 3:20
  that
• 3:20
  tension
• 3:20
  is
• 3:20
  real.
• 3:22
  This
• 3:22
  isn't
• 3:22
  a
• 3:22
  question
• 3:23
  about
• 3:23
  paying
• 3:24
  off
• 3:24
  your
• 3:24
  mortgage,
• 3:24
  whether
• 3:25
  that's
• 3:25
  mathematically
• 3:26
  right
• 3:26
  or
• 3:26
  wrong.
• 3:27
  This
• 3:27
  is
• 3:27
  about
• 3:28
  job
• 3:28
  loss.
• 3:28
  It's
• 3:29
  about
• 3:29
  pressure,
• 3:30
  security,
• 3:31
  responsibility.
• 3:33
  And
• 3:33
  honestly,
• 3:33
  the
• 3:33
  fear
• 3:34
  of
• 3:34
  mishandling
• 3:34
  a
• 3:34
  gift.
• 3:35
  And
• 3:36
  like
• 3:36
  I
• 3:36
  said,
• 3:36
  you're
• 3:36
  not
• 3:36
  necessarily
• 3:37
  choosing
• 3:37
  between
• 3:37
  right
• 3:38
  and
• 3:38
  wrong.
• 3:38
  You're
• 3:39
  choosing
• 3:39
  between
• 3:39
  two
• 3:40
  good
• 3:40
  things.
• 3:41
  And
• 3:41
  those
• 3:41
  two
• 3:42
  good
• 3:42
  things
• 3:42
  are
• 3:43
  relief
• 3:43
  today
• 3:44
  and
• 3:44
  future
• 3:44
  opportunity.
• 3:46
  The.
• 3:47
  The
• 3:47
  best
• 3:47
  financial
• 3:48
  decisions
• 3:48
  are
• 3:48
  not
• 3:49
  made
• 3:49
  in
• 3:49
  isolation.
• 3:51
  If
• 3:51
  you
• 3:51
  just
• 3:51
  sent
• 3:51
  me
• 3:52
  that
• 3:52
  question,
• 3:52
  I
• 3:52
  didn't
• 3:52
  think
• 3:53
  about
• 3:53
  the
• 3:53
  context
• 3:54
  of
• 3:54
  this.
• 3:54
  It'd
• 3:54
  be
• 3:55
  hard
• 3:55
  for
• 3:55
  me
• 3:55
  to
• 3:55
  make
• 3:55
  a
• 3:55
  decision
• 3:56
  here.
• 3:57
  And
• 3:57
  that
• 3:57
  decision
• 3:58
  right
• 3:58
  now
• 4:00
  might
• 4:00
  be
• 4:00
  stable
• 4:01
  when
• 4:01
  you
• 4:01
  have
• 4:01
  a
• 4:02
  job,
• 4:03
  but
• 4:03
  it
• 4:03
  looks
• 4:03
  totally
• 4:04
  different
• 4:04
  when
• 4:04
  you're
• 4:04
  in
• 4:04
  a
• 4:05
  job
• 4:05
  loss
• 4:06
  because
• 4:07
  your
• 4:07
  situation
• 4:07
  has
• 4:08
  changed.
• 4:10
  The
• 4:10
  question
• 4:10
  isn't
• 4:10
  simply,
• 4:11
  should
• 4:11
  I
• 4:11
  pay
• 4:11
  off
• 4:11
  the
• 4:12
  mortgage?
• 4:13
  The
• 4:13
  question
• 4:13
  is,
• 4:14
  what
• 4:14
  does
• 4:14
  this
• 4:15
  season
• 4:15
  of
• 4:16
  my
• 4:16
  life
• 4:16
  required?
• 4:18
  And
• 4:18
  inheritance
• 4:19
  decisions
• 4:19
  got
• 4:20
  to
• 4:20
  be
• 4:20
  handled
• 4:20
  carefully
• 4:21
  because
• 4:21
  they
• 4:22
  can
• 4:22
  affect
• 4:22
  both
• 4:23
  our
• 4:23
  current
• 4:23
  stability,
• 4:24
  our
• 4:24
  future
• 4:25
  growth.
• 4:25
  Hey,
• 4:25
  family
• 4:26
  expectations.
• 4:27
  There's
• 4:27
  taxes
• 4:28
  and
• 4:28
  long
• 4:29
  term
• 4:29
  planning.
• 4:30
  So
• 4:30
  first
• 4:30
  thing,
• 4:30
  before
• 4:31
  you
• 4:31
  do
• 4:31
  anything
• 4:32
  else,
• 4:32
  this
• 4:33
  is
• 4:33
  time
• 4:33
  to
• 4:34
  consult
• 4:34
  with
• 4:34
  some
• 4:34
  professional
• 4:35
  guidance
• 4:36
  before
• 4:36
  you
• 4:36
  make
• 4:37
  some
• 4:37
  large
• 4:37
  irreversible
• 4:38
  decisions.
• 4:40
  The
• 4:40
  best
• 4:40
  financial
• 4:40
  decisions
• 4:41
  aren't
• 4:41
  made
• 4:41
  in
• 4:41
  theory.
• 4:42
  They're
• 4:42
  made
• 4:43
  in
• 4:43
  context.
• 4:44
  But
• 4:45
  now
• 4:45
  we
• 4:45
  got
• 4:45
  to
• 4:45
  get
• 4:45
  back
• 4:45
  to
• 4:46
  how
• 4:46
  do
• 4:46
  we
• 4:46
  make
• 4:46
  a
• 4:47
  wise
• 4:47
  decision
• 4:47
  when
• 4:48
  both
• 4:48
  options
• 4:48
  are
• 4:49
  good?
• 4:49
  You
• 4:49
  ever
• 4:49
  felt
• 4:50
  like
• 4:50
  that?
• 4:50
  Like
• 4:50
  I
• 4:50
  got
• 4:50
  two
• 4:51
  things
• 4:51
  on
• 4:51
  my
• 4:51
  plate.
• 4:52
  Both
• 4:52
  of
• 4:52
  them
• 4:52
  are
• 4:52
  good,
• 4:54
  but
• 4:54
  the
• 4:54
  timing
• 4:54
  is
• 4:54
  uncertain.
• 4:56
  And
• 4:56
  that's
• 4:56
  why
• 4:56
  I
• 4:56
  want
• 4:56
  to
• 4:56
  walk
• 4:57
  you
• 4:57
  through
• 4:57
  my
• 4:57
  faithful
• 4:58
  framework.
• 4:58
  We're
• 4:58
  going
• 4:58
  to
• 4:58
  spell
• 4:59
  out
• 4:59
  the
• 4:59
  word
• 4:59
  faithful
• 5:00
  and
• 5:00
  we're
• 5:00
  going
• 5:00
  to
• 5:00
  look
• 5:01
  at
• 5:01
  each
• 5:01
  letter
• 5:01
  of
• 5:01
  that
• 5:02
  to
• 5:02
  help
• 5:02
  guide
• 5:02
  our
• 5:03
  decision.
• 5:03
  We're
• 5:04
  going
• 5:04
  to
• 5:04
  start
• 5:04
  with
• 5:04
  F.
• 5:05
  And
• 5:05
  that's
• 5:05
  face
• 5:05
  reality.
• 5:07
  We've
• 5:07
  got
• 5:07
  to
• 5:07
  get
• 5:07
  to
• 5:07
  a
• 5:08
  level
• 5:08
  of
• 5:08
  awareness.
• 5:10
  Your
• 5:10
  actual
• 5:11
  situation
• 5:12
  is
• 5:12
  not
• 5:13
  a
• 5:13
  perfect
• 5:13
  world
• 5:13
  version
• 5:14
  of
• 5:14
  the
• 5:14
  decision.
• 5:15
  You
• 5:16
  just
• 5:16
  said
• 5:16
  you
• 5:16
  recently
• 5:17
  lost
• 5:17
  your
• 5:17
  job
• 5:18
  and
• 5:18
  that
• 5:19
  changes
• 5:19
  the
• 5:19
  decision
• 5:20
  because
• 5:20
  my
• 5:20
  suspicion
• 5:21
  is
• 5:21
  your
• 5:21
  parents
• 5:21
  wouldn't
• 5:22
  have
• 5:22
  offered
• 5:22
  you
• 5:23
  the
• 5:23
  inheritance
• 5:23
  ahead
• 5:24
  of
• 5:24
  time
• 5:24
  if
• 5:24
  you
• 5:24
  haven't
• 5:24
  lost
• 5:25
  your
• 5:25
  job.
• 5:26
  So
• 5:27
  right
• 5:27
  now
• 5:27
  you're
• 5:27
  already
• 5:28
  living
• 5:28
  in
• 5:28
  a
• 5:28
  season
• 5:28
  of
• 5:29
  uncertainty.
• 5:30
  You've
• 5:30
  got
• 5:30
  income
• 5:31
  pressure
• 5:31
  because
• 5:31
  you're
• 5:32
  not
• 5:32
  working.
• 5:33
  No
• 5:33
  doubt
• 5:33
  you've
• 5:34
  got
• 5:34
  emotional
• 5:34
  stress.
• 5:36
  So
• 5:36
  you
• 5:36
  got
• 5:36
  to
• 5:36
  realize
• 5:37
  first
• 5:37
  thing
• 5:37
  is
• 5:38
  you're
• 5:38
  making
• 5:38
  a
• 5:39
  decision
• 5:39
  when
• 5:40
  you
• 5:40
  don't
• 5:40
  have
• 5:41
  a
• 5:41
  stable
• 5:41
  paycheck.
• 5:42
  And
• 5:43
  I
• 5:43
  would
• 5:43
  think
• 5:44
  obviously
• 5:44
  you
• 5:44
  don't
• 5:44
  have
• 5:44
  a
• 5:45
  strong
• 5:45
  emergency
• 5:45
  fund
• 5:45
  either.
• 5:46
  I'm
• 5:46
  not
• 5:46
  judging
• 5:46
  you,
• 5:46
  but
• 5:47
  that's
• 5:47
  what
• 5:47
  it
• 5:47
  seems
• 5:47
  like.
• 5:49
  So
• 5:49
  before
• 5:50
  you
• 5:50
  make
• 5:50
  a
• 5:50
  decision
• 5:51
  about
• 5:51
  this
• 5:51
  inheritance,
• 5:52
  you
• 5:53
  got
• 5:53
  to
• 5:53
  clearly
• 5:53
  name
• 5:54
  what's
• 5:54
  happening
• 5:54
  right
• 5:54
  now.
• 5:56
  Speak
• 5:56
  to
• 5:57
  what
• 5:57
  is
• 5:57
  the
• 5:57
  pressure
• 5:58
  I'm
• 5:58
  under
• 5:58
  right
• 5:58
  now.
• 5:59
  You
• 5:59
  didn't
• 6:00
  mention
• 6:00
  whether
• 6:00
  you're
• 6:00
  going
• 6:00
  to
• 6:01
  get
• 6:01
  another
• 6:01
  job.
• 6:01
  You
• 6:01
  didn't
• 6:02
  mention
• 6:02
  if
• 6:02
  you're
• 6:02
  Looking
• 6:02
  for
• 6:03
  another
• 6:03
  job.
• 6:04
  You
• 6:04
  didn't
• 6:04
  mention
• 6:04
  if
• 6:05
  you
• 6:05
  have
• 6:05
  cash
• 6:05
  reserves.
• 6:07
  So
• 6:07
  I'd
• 6:07
  start
• 6:07
  by
• 6:07
  that.
• 6:08
  What's
• 6:09
  the
• 6:09
  truth
• 6:09
  right
• 6:09
  now?
• 6:09
  How
• 6:10
  long
• 6:10
  can
• 6:10
  you
• 6:10
  cover
• 6:10
  your
• 6:10
  expenses
• 6:11
  without
• 6:11
  new
• 6:11
  income?
• 6:13
  What
• 6:13
  risk
• 6:13
  exists
• 6:13
  if
• 6:14
  nothing
• 6:14
  changes?
• 6:15
  What
• 6:16
  is
• 6:16
  my
• 6:16
  mortgage
• 6:16
  payment
• 6:17
  doing
• 6:17
  to
• 6:17
  my
• 6:17
  monthly
• 6:18
  stress?
• 6:18
  Maybe
• 6:18
  that's
• 6:19
  part
• 6:19
  of
• 6:19
  this
• 6:19
  answer
• 6:19
  to
• 6:20
  do
• 6:21
  I
• 6:21
  have
• 6:21
  enough
• 6:21
  cash
• 6:21
  to
• 6:22
  get
• 6:22
  through
• 6:22
  the
• 6:22
  transaction?
• 6:23
  Ask
• 6:24
  yourself,
• 6:24
  what
• 6:25
  do
• 6:25
  I
• 6:25
  actually
• 6:25
  need
• 6:26
  in
• 6:26
  this
• 6:26
  season?
• 6:28
  And
• 6:28
  that's
• 6:28
  why
• 6:28
  we
• 6:29
  start
• 6:29
  with
• 6:29
  clarity.
• 6:29
  Because
• 6:30
  clarity
• 6:30
  about
• 6:30
  today
• 6:31
  shapes
• 6:31
  wise
• 6:32
  decisions
• 6:32
  for
• 6:32
  tomorrow.
• 6:32
  And
• 6:33
  that's
• 6:33
  what
• 6:33
  we're
• 6:33
  really
• 6:33
  making,
• 6:33
  a
• 6:34
  long
• 6:34
  term
• 6:34
  decision.
• 6:35
  But
• 6:35
  let's
• 6:36
  go
• 6:36
  to
• 6:36
  a
• 6:36
  we
• 6:36
  got
• 6:36
  to
• 6:36
  aim
• 6:37
  clearly,
• 6:37
  we
• 6:37
  got
• 6:37
  to
• 6:37
  build
• 6:38
  that
• 6:38
  vision.
• 6:39
  You've
• 6:39
  got
• 6:40
  to
• 6:40
  define
• 6:40
  the
• 6:40
  priority
• 6:41
  for
• 6:41
  this
• 6:41
  season.
• 6:43
  You
• 6:43
  can't
• 6:43
  optimize
• 6:44
  everything
• 6:44
  at
• 6:44
  once.
• 6:45
  You
• 6:46
  got
• 6:46
  to
• 6:46
  decide
• 6:46
  what
• 6:46
  matters
• 6:47
  most
• 6:47
  right
• 6:47
  now.
• 6:48
  For
• 6:49
  right
• 6:49
  now
• 6:49
  is
• 6:49
  your
• 6:50
  priority
• 6:50
  immediate
• 6:50
  stability?
• 6:51
  Well,
• 6:52
  I'm
• 6:52
  bleeding,
• 6:52
  I
• 6:52
  don't
• 6:53
  have
• 6:53
  a
• 6:53
  job,
• 6:54
  I
• 6:54
  gotta
• 6:54
  have
• 6:54
  stability.
• 6:55
  Or
• 6:55
  is
• 6:56
  it
• 6:56
  preserving
• 6:56
  long
• 6:57
  term
• 6:57
  growth
• 6:57
  because
• 6:57
  the
• 6:57
  two
• 6:58
  things
• 6:58
  are
• 6:58
  working
• 6:58
  in
• 6:59
  against
• 6:59
  each
• 6:59
  other.
• 7:00
  Is
• 7:01
  it
• 7:01
  reducing
• 7:01
  monthly
• 7:02
  expenses?
• 7:03
  Is
• 7:03
  it
• 7:03
  protecting
• 7:04
  flexibility?
• 7:05
  But
• 7:05
  you've
• 7:05
  got
• 7:05
  to
• 7:05
  figure
• 7:06
  out
• 7:06
  what
• 7:06
  that
• 7:06
  priority
• 7:06
  is
• 7:07
  in
• 7:07
  your
• 7:07
  life.
• 7:08
  Because
• 7:08
  once
• 7:09
  you
• 7:09
  make
• 7:09
  that
• 7:09
  priority
• 7:10
  clear,
• 7:10
  the
• 7:10
  decision
• 7:11
  becomes
• 7:11
  less
• 7:11
  emotionally
• 7:12
  tangled.
• 7:12
  Right
• 7:13
  now
• 7:13
  you're
• 7:13
  in
• 7:13
  an
• 7:14
  emotional
• 7:14
  entanglement.
• 7:17
  You
• 7:17
  might
• 7:17
  think
• 7:17
  about
• 7:17
  these
• 7:18
  priorities.
• 7:18
  Maybe
• 7:19
  you've
• 7:19
  got
• 7:19
  to
• 7:19
  stabilize
• 7:20
  stuff
• 7:20
  during
• 7:20
  unemployment,
• 7:21
  maybe
• 7:21
  you've
• 7:22
  got
• 7:22
  to
• 7:22
  reduce
• 7:22
  your
• 7:22
  monthly
• 7:23
  expenses,
• 7:23
  keep
• 7:24
  some
• 7:24
  cash
• 7:24
  available,
• 7:25
  avoid
• 7:26
  those
• 7:26
  panic
• 7:26
  decisions,
• 7:27
  preserve
• 7:28
  that
• 7:28
  long
• 7:28
  term
• 7:29
  growth,
• 7:29
  maintain
• 7:30
  flexibility.
• 7:31
  And
• 7:32
  what
• 7:32
  I
• 7:32
  hear
• 7:32
  you
• 7:32
  saying
• 7:32
  loud
• 7:33
  and
• 7:33
  clear
• 7:33
  is
• 7:33
  you're
• 7:34
  trying
• 7:34
  to
• 7:34
  protect
• 7:34
  your
• 7:34
  inheritance
• 7:35
  from
• 7:35
  being
• 7:35
  used
• 7:36
  too
• 7:36
  quickly.
• 7:37
  But
• 7:37
  if
• 7:37
  you
• 7:38
  don't
• 7:38
  define
• 7:38
  the
• 7:38
  priority
• 7:39
  right
• 7:39
  now
• 7:39
  in
• 7:39
  this
• 7:40
  season,
• 7:40
  every
• 7:41
  option
• 7:41
  is
• 7:41
  going
• 7:42
  to
• 7:42
  keep
• 7:42
  pulling
• 7:42
  on
• 7:42
  you.
• 7:43
  But
• 7:44
  now
• 7:44
  you
• 7:44
  got
• 7:44
  to
• 7:44
  identify
• 7:45
  timing,
• 7:45
  which
• 7:45
  in
• 7:46
  this
• 7:46
  particular
• 7:46
  case,
• 7:47
  this
• 7:47
  is
• 7:47
  the
• 7:47
  key
• 7:47
  part
• 7:48
  to
• 7:48
  this.
• 7:49
  You're
• 7:49
  in
• 7:50
  a
• 7:50
  transition
• 7:50
  season.
• 7:52
  That
• 7:52
  job
• 7:52
  loss
• 7:53
  creates
• 7:53
  uncertainty.
• 7:54
  And
• 7:55
  sure,
• 7:55
  paying
• 7:56
  off
• 7:56
  your
• 7:56
  mortgage
• 7:56
  might
• 7:56
  reduce
• 7:57
  your
• 7:57
  monthly
• 7:57
  expenses,
• 7:59
  but
• 7:59
  it
• 7:59
  also
• 7:59
  reduces
• 8:00
  your
• 8:00
  liquidity
• 8:01
  if
• 8:01
  most
• 8:02
  of
• 8:02
  the
• 8:02
  inheritance
• 8:02
  gets
• 8:03
  tied
• 8:03
  up
• 8:03
  in
• 8:03
  the
• 8:03
  house.
• 8:04
  If
• 8:04
  you're
• 8:05
  going
• 8:05
  to
• 8:05
  pay
• 8:05
  off
• 8:05
  your
• 8:05
  house,
• 8:05
  all
• 8:06
  that
• 8:06
  money
• 8:06
  is
• 8:06
  now
• 8:06
  sitting
• 8:07
  in
• 8:07
  your
• 8:07
  house.
• 8:08
  Whereas
• 8:09
  keeping
• 8:09
  that
• 8:09
  inheritance
• 8:10
  invested
• 8:11
  might
• 8:11
  preserve
• 8:11
  virtue
• 8:12
  growth,
• 8:13
  but
• 8:13
  it
• 8:13
  might
• 8:13
  not
• 8:14
  solve
• 8:14
  the
• 8:14
  immediate
• 8:15
  pressure.
• 8:15
  That's
• 8:15
  what
• 8:15
  I'm
• 8:15
  saying.
• 8:15
  You
• 8:16
  got
• 8:16
  a
• 8:16
  real
• 8:16
  dichotomy
• 8:17
  here.
• 8:18
  You've
• 8:18
  got
• 8:18
  to
• 8:18
  ask
• 8:19
  yourself
• 8:19
  what
• 8:20
  this
• 8:20
  season
• 8:20
  requires
• 8:21
  before
• 8:21
  making
• 8:21
  a
• 8:22
  permanent
• 8:22
  move.
• 8:23
  That
• 8:23
  timing
• 8:24
  changes
• 8:24
  the
• 8:24
  right
• 8:25
  decision.
• 8:26
  So
• 8:26
  ask
• 8:26
  yourself,
• 8:27
  is
• 8:27
  this
• 8:27
  a
• 8:27
  short
• 8:27
  term
• 8:28
  income
• 8:28
  interruption
• 8:29
  or
• 8:29
  a
• 8:29
  longer
• 8:30
  transition?
• 8:31
  You
• 8:31
  know,
• 8:31
  maybe
• 8:31
  you
• 8:32
  just
• 8:32
  lost
• 8:32
  a
• 8:32
  job,
• 8:32
  but
• 8:32
  you're
• 8:33
  going
• 8:33
  to
• 8:33
  pick
• 8:33
  up
• 8:33
  another
• 8:33
  job
• 8:33
  in
• 8:34
  a
• 8:34
  month
• 8:34
  or
• 8:34
  Two,
• 8:35
  ask
• 8:35
  yourself,
• 8:36
  how
• 8:36
  soon
• 8:36
  can
• 8:36
  I
• 8:37
  expect
• 8:37
  to
• 8:37
  replace
• 8:37
  my
• 8:37
  income?
• 8:38
  Because
• 8:38
  that's
• 8:38
  going
• 8:38
  to
• 8:39
  impact
• 8:39
  a
• 8:39
  decision.
• 8:40
  Maybe
• 8:41
  you
• 8:41
  have
• 8:41
  a
• 8:41
  short
• 8:41
  term
• 8:42
  decision
• 8:42
  and
• 8:42
  you
• 8:42
  start
• 8:43
  to
• 8:43
  ask
• 8:43
  yourself,
• 8:44
  what
• 8:44
  happens
• 8:44
  if
• 8:44
  that
• 8:45
  job
• 8:45
  search
• 8:45
  takes
• 8:46
  longer
• 8:46
  than
• 8:46
  expected?
• 8:48
  A
• 8:48
  lot
• 8:48
  of
• 8:49
  people
• 8:49
  want
• 8:49
  to
• 8:49
  ask
• 8:49
  this
• 8:49
  question,
• 8:50
  will
• 8:50
  paying
• 8:50
  off
• 8:51
  my
• 8:51
  mortgage
• 8:51
  leave
• 8:51
  me
• 8:51
  cash
• 8:52
  poor?
• 8:52
  Yeah,
• 8:53
  you
• 8:53
  might
• 8:53
  have
• 8:53
  a
• 8:53
  house
• 8:54
  that's
• 8:54
  debt
• 8:54
  free,
• 8:55
  but
• 8:55
  it's
• 8:55
  all
• 8:55
  tied
• 8:56
  up
• 8:56
  in
• 8:56
  the
• 8:56
  house.
• 8:57
  If
• 8:57
  something
• 8:57
  happens,
• 8:58
  where
• 8:58
  do
• 8:58
  you
• 8:58
  get
• 8:58
  the
• 8:58
  money
• 8:58
  to
• 8:59
  do
• 8:59
  that?
• 9:00
  Maybe
• 9:00
  you
• 9:00
  should
• 9:00
  keep
• 9:01
  some
• 9:01
  cash
• 9:01
  for
• 9:02
  more
• 9:02
  peace.
• 9:03
  And
• 9:04
  is
• 9:04
  this
• 9:04
  decision
• 9:05
  I
• 9:05
  need
• 9:05
  to
• 9:05
  make
• 9:06
  immediately
• 9:06
  or
• 9:07
  can
• 9:07
  part
• 9:07
  of
• 9:07
  it
• 9:07
  wait?
• 9:09
  Friend,
• 9:10
  timing
• 9:10
  can
• 9:11
  turn
• 9:11
  a
• 9:11
  good
• 9:11
  decision
• 9:12
  into
• 9:12
  the
• 9:12
  wrong
• 9:12
  decision
• 9:13
  for
• 9:13
  the
• 9:13
  season.
• 9:14
  So
• 9:14
  now
• 9:15
  we
• 9:15
  got
• 9:15
  to
• 9:15
  pivot
• 9:15
  to
• 9:15
  options.
• 9:16
  We
• 9:16
  got
• 9:16
  to
• 9:16
  go
• 9:16
  to
• 9:16
  T
• 9:17
  and
• 9:17
  think
• 9:17
  of
• 9:17
  options.
• 9:17
  This
• 9:18
  is
• 9:18
  our
• 9:18
  brainstorming
• 9:19
  round.
• 9:20
  You
• 9:20
  might
• 9:20
  feel
• 9:21
  right
• 9:21
  now
• 9:21
  there's
• 9:21
  only
• 9:22
  two
• 9:22
  decisions.
• 9:22
  I
• 9:23
  got
• 9:23
  to
• 9:23
  either
• 9:23
  pay
• 9:23
  off
• 9:24
  the
• 9:24
  mortgage
• 9:24
  or
• 9:24
  leave
• 9:25
  the
• 9:25
  inheritance
• 9:25
  untouched.
• 9:27
  But
• 9:27
  there's
• 9:27
  a
• 9:27
  lot
• 9:27
  bigger
• 9:28
  decisions
• 9:28
  than
• 9:28
  that.
• 9:29
  There
• 9:29
  might
• 9:29
  be
• 9:29
  some
• 9:29
  middle
• 9:30
  ground
• 9:30
  here.
• 9:32
  When
• 9:32
  we're
• 9:32
  panicked,
• 9:33
  we
• 9:33
  feel
• 9:33
  like
• 9:33
  we
• 9:33
  got
• 9:33
  to
• 9:33
  make
• 9:34
  a
• 9:34
  quick
• 9:34
  decision.
• 9:34
  We
• 9:34
  live
• 9:35
  in
• 9:35
  these
• 9:35
  extremes,
• 9:36
  but
• 9:36
  wisdom
• 9:37
  is
• 9:37
  usually
• 9:37
  found
• 9:38
  between
• 9:38
  those
• 9:38
  extremes.
• 9:39
  I'm
• 9:40
  going
• 9:40
  to
• 9:40
  encourage
• 9:40
  you
• 9:40
  to
• 9:40
  a
• 9:41
  blended
• 9:41
  approach.
• 9:42
  Maybe
• 9:42
  some
• 9:42
  current
• 9:43
  relief
• 9:43
  and
• 9:43
  some
• 9:44
  future
• 9:44
  protections.
• 9:46
  Maybe
• 9:46
  you
• 9:46
  don't
• 9:46
  pay
• 9:46
  off
• 9:47
  the
• 9:47
  mortgage
• 9:47
  completely.
• 9:48
  Maybe
• 9:48
  you
• 9:48
  paid
• 9:49
  down
• 9:49
  part
• 9:49
  of
• 9:49
  it
• 9:49
  to
• 9:50
  reduce
• 9:50
  the
• 9:50
  pressure.
• 9:51
  Maybe
• 9:52
  you
• 9:52
  keep
• 9:52
  the
• 9:52
  inheritance
• 9:53
  liquid
• 9:53
  while
• 9:53
  you're
• 9:53
  unemployed.
• 9:54
  Just
• 9:54
  park
• 9:54
  it
• 9:55
  on
• 9:55
  the
• 9:55
  side.
• 9:55
  Maybe
• 9:55
  your
• 9:55
  parents
• 9:56
  want
• 9:56
  to
• 9:56
  give
• 9:56
  it
• 9:56
  to
• 9:56
  you,
• 9:56
  say,
• 9:57
  great,
• 9:57
  I'm
• 9:57
  going
• 9:57
  to
• 9:57
  park
• 9:58
  it
• 9:58
  over
• 9:58
  here.
• 9:58
  I'm
• 9:59
  going
• 9:59
  to
• 9:59
  set
• 9:59
  it
• 9:59
  there
• 10:00
  in
• 10:00
  case
• 10:00
  I
• 10:00
  need
• 10:00
  it.
• 10:01
  Maybe
• 10:01
  you
• 10:02
  need
• 10:02
  to
• 10:02
  build
• 10:02
  that
• 10:02
  emergency
• 10:03
  reserve.
• 10:04
  Maybe
• 10:04
  you
• 10:05
  use
• 10:05
  part
• 10:05
  of
• 10:05
  that
• 10:05
  money
• 10:06
  for
• 10:06
  the
• 10:06
  monthly
• 10:06
  expenses
• 10:07
  during
• 10:07
  the
• 10:07
  job
• 10:07
  search.
• 10:08
  But
• 10:09
  see,
• 10:09
  during
• 10:09
  all
• 10:09
  those
• 10:10
  times,
• 10:10
  you
• 10:10
  can
• 10:10
  keep
• 10:10
  it
• 10:11
  invested
• 10:11
  and
• 10:11
  that
• 10:12
  keeps
• 10:12
  it
• 10:12
  in
• 10:12
  the
• 10:12
  future.
• 10:14
  Maybe
• 10:14
  you
• 10:14
  need
• 10:14
  to
• 10:14
  refinance
• 10:15
  your
• 10:15
  house.
• 10:16
  Maybe
• 10:16
  you
• 10:16
  can
• 10:17
  reduce
• 10:17
  the
• 10:17
  payments
• 10:17
  that
• 10:18
  way.
• 10:19
  Maybe
• 10:19
  you
• 10:19
  make
• 10:19
  some
• 10:20
  extra
• 10:20
  principal
• 10:20
  payments.
• 10:22
  You
• 10:22
  can
• 10:22
  also
• 10:22
  use
• 10:22
  that
• 10:23
  inheritance
• 10:23
  to
• 10:23
  create
• 10:23
  a
• 10:24
  transition
• 10:24
  fund.
• 10:25
  Or
• 10:26
  maybe
• 10:26
  you
• 10:26
  just
• 10:26
  wait
• 10:27
  to
• 10:27
  see
• 10:27
  how
• 10:27
  that
• 10:27
  employment
• 10:28
  works
• 10:28
  out
• 10:28
  before
• 10:28
  you
• 10:29
  make
• 10:29
  a
• 10:29
  permanent
• 10:29
  decision.
• 10:31
  Friend
• 10:31
  wisdom
• 10:32
  often
• 10:32
  lives
• 10:33
  in
• 10:33
  the
• 10:33
  middle,
• 10:33
  not
• 10:33
  the
• 10:34
  extremes.
• 10:35
  But
• 10:35
  now
• 10:35
  we
• 10:36
  got
• 10:36
  to
• 10:36
  go
• 10:36
  to
• 10:36
  H
• 10:36
  and
• 10:36
  we
• 10:36
  got
• 10:37
  to
• 10:37
  build
• 10:37
  a
• 10:37
  plan.
• 10:40
  Large
• 10:40
  financial
• 10:41
  gifts
• 10:41
  need
• 10:42
  a
• 10:42
  clear
• 10:42
  plan.
• 10:43
  I
• 10:43
  don't
• 10:43
  know
• 10:43
  how
• 10:43
  many
• 10:43
  times
• 10:43
  I've
• 10:44
  heard
• 10:44
  people
• 10:44
  say,
• 10:44
  well,
• 10:44
  my
• 10:44
  parents
• 10:45
  are
• 10:45
  going
• 10:45
  to
• 10:45
  give
• 10:45
  me
• 10:45
  this,
• 10:46
  but
• 10:46
  if
• 10:47
  you
• 10:47
  don't
• 10:47
  have
• 10:47
  a
• 10:47
  structure,
• 10:48
  here's
• 10:48
  what's
• 10:48
  going
• 10:48
  to
• 10:48
  happen.
• 10:49
  That
• 10:49
  money's
• 10:49
  going
• 10:49
  to
• 10:49
  disappear
• 10:50
  into
• 10:50
  pressure,
• 10:50
  it's
• 10:51
  going
• 10:51
  to
• 10:51
  disappear
• 10:51
  into
• 10:52
  fear
• 10:52
  and
• 10:52
  you're
• 10:53
  going
• 10:53
  to
• 10:53
  have
• 10:53
  scattered
• 10:54
  Decisions
• 10:54
  all
• 10:54
  over
• 10:55
  the
• 10:55
  place.
• 10:56
  So
• 10:57
  you've
• 10:57
  got
• 10:57
  to
• 10:57
  decide
• 10:57
  ahead
• 10:57
  of
• 10:58
  time
• 10:58
  how
• 10:58
  much
• 10:58
  is
• 10:59
  for
• 10:59
  current
• 10:59
  stability,
• 11:00
  how
• 11:00
  much
• 11:00
  is
• 11:01
  for
• 11:01
  long
• 11:01
  term
• 11:01
  protection,
• 11:02
  and
• 11:02
  how
• 11:02
  much
• 11:03
  should
• 11:03
  remain
• 11:03
  untouched.
• 11:05
  This
• 11:05
  is
• 11:05
  a
• 11:05
  great
• 11:05
  place
• 11:06
  to
• 11:06
  get
• 11:06
  some
• 11:06
  wise
• 11:07
  counsel.
• 11:07
  The
• 11:07
  Bible
• 11:07
  talks
• 11:07
  about
• 11:08
  wise
• 11:08
  counsel.
• 11:08
  A
• 11:09
  financial
• 11:09
  advisor,
• 11:10
  a
• 11:10
  tax
• 11:10
  professional
• 11:11
  and
• 11:11
  a
• 11:12
  trusted
• 11:12
  planner.
• 11:13
  So
• 11:13
  pause
• 11:14
  right
• 11:14
  now
• 11:14
  before
• 11:14
  you
• 11:14
  make
• 11:15
  any
• 11:15
  decisions.
• 11:16
  Calculate
• 11:16
  your
• 11:17
  real
• 11:17
  monthly
• 11:17
  needs,
• 11:18
  set
• 11:18
  aside
• 11:19
  some
• 11:19
  transition
• 11:20
  reserves,
• 11:21
  look
• 11:21
  at
• 11:21
  the
• 11:21
  mortgage.
• 11:22
  Maybe
• 11:22
  there's
• 11:22
  some
• 11:22
  things
• 11:23
  you
• 11:23
  can
• 11:23
  do
• 11:23
  there.
• 11:23
  Maybe
• 11:24
  do
• 11:24
  a
• 11:24
  partial
• 11:25
  strategy.
• 11:25
  Make
• 11:26
  sure
• 11:26
  you
• 11:26
  check
• 11:26
  the
• 11:26
  legal
• 11:27
  and
• 11:27
  tax
• 11:27
  implications.
• 11:28
  Not
• 11:28
  as
• 11:29
  simple
• 11:29
  as
• 11:29
  it
• 11:29
  sounds.
• 11:30
  Document
• 11:31
  the
• 11:31
  plan
• 11:32
  and
• 11:32
  review
• 11:32
  this
• 11:33
  again
• 11:33
  after
• 11:33
  your
• 11:34
  employment
• 11:34
  stabilizes,
• 11:36
  before
• 11:37
  you
• 11:37
  decide
• 11:37
  what
• 11:37
  to
• 11:38
  do
• 11:38
  with
• 11:38
  inheritance,
• 11:38
  assign
• 11:39
  the
• 11:39
  money
• 11:39
  a
• 11:40
  purpose.
• 11:41
  Maybe
• 11:41
  some
• 11:41
  for
• 11:42
  stability,
• 11:42
  some
• 11:43
  for
• 11:43
  flexibility,
• 11:44
  some
• 11:44
  may
• 11:44
  be
• 11:45
  for
• 11:45
  the
• 11:45
  future.
• 11:46
  Every
• 11:46
  dollar
• 11:47
  needs
• 11:47
  a
• 11:47
  job
• 11:48
  before
• 11:48
  pressure
• 11:49
  gives
• 11:49
  it
• 11:49
  one.
• 11:50
  Because
• 11:50
  clarity
• 11:51
  in
• 11:51
  your
• 11:51
  plan
• 11:51
  creates
• 11:52
  confidence
• 11:52
  in
• 11:53
  your
• 11:53
  decision.
• 11:54
  But
• 11:54
  let's
• 11:54
  not
• 11:54
  forget
• 11:54
  about
• 11:55
  F
• 11:55
  and
• 11:55
  that's
• 11:55
  faith
• 11:56
  and
• 11:56
  surrender.
• 11:57
  This
• 11:58
  decision
• 11:58
  you're
• 11:58
  going
• 11:59
  through
• 11:59
  right
• 11:59
  now
• 11:59
  has
• 11:59
  a
• 12:00
  ton
• 12:00
  of
• 12:00
  emotional
• 12:00
  weight.
• 12:02
  You've
• 12:02
  got
• 12:02
  this
• 12:02
  fear
• 12:03
  of
• 12:03
  wasting
• 12:03
  your
• 12:04
  inheritance.
• 12:04
  That's
• 12:04
  a
• 12:04
  good
• 12:04
  fear.
• 12:05
  Your
• 12:05
  parents
• 12:05
  work
• 12:05
  so
• 12:06
  hard
• 12:06
  for
• 12:06
  what
• 12:06
  they're
• 12:06
  trying
• 12:07
  to
• 12:07
  give
• 12:07
  you.
• 12:08
  You
• 12:08
  might
• 12:08
  be
• 12:08
  trying
• 12:09
  to
• 12:09
  honor
• 12:09
  your
• 12:10
  parents
• 12:10
  gift.
• 12:10
  Well,
• 12:11
  and
• 12:11
  there's
• 12:11
  pressure
• 12:11
  there.
• 12:12
  You
• 12:13
  might
• 12:13
  have
• 12:13
  anxiety
• 12:13
  about
• 12:14
  your
• 12:14
  job
• 12:14
  loss
• 12:15
  and
• 12:15
  you
• 12:15
  don't
• 12:15
  know
• 12:15
  where
• 12:15
  the
• 12:16
  future
• 12:16
  is
• 12:16
  going.
• 12:17
  God
• 12:18
  isn't
• 12:18
  asking
• 12:19
  you
• 12:19
  to
• 12:19
  be
• 12:19
  perfectly
• 12:20
  and
• 12:20
  predict
• 12:20
  the
• 12:20
  future.
• 12:21
  But
• 12:22
  he
• 12:22
  is
• 12:22
  inviting
• 12:23
  you
• 12:23
  to
• 12:23
  seek
• 12:23
  wisdom
• 12:24
  and
• 12:24
  to
• 12:24
  trust
• 12:25
  him
• 12:26
  and
• 12:26
  make
• 12:26
  that
• 12:26
  next
• 12:27
  financial,
• 12:28
  faithful
• 12:28
  financial
• 12:28
  decision.
• 12:30
  So
• 12:30
  I
• 12:30
  want
• 12:30
  to
• 12:30
  encourage
• 12:30
  you
• 12:31
  right
• 12:31
  now,
• 12:31
  pray
• 12:31
  about
• 12:31
  it.
• 12:32
  Seek
• 12:33
  that
• 12:33
  wise
• 12:33
  counsel
• 12:34
  and
• 12:34
  give
• 12:34
  yourself
• 12:34
  grace.
• 12:35
  Because
• 12:35
  you
• 12:35
  don't
• 12:36
  have
• 12:36
  all
• 12:36
  the
• 12:36
  answers.
• 12:38
  God
• 12:38
  isn't
• 12:39
  asking
• 12:39
  you
• 12:39
  to
• 12:39
  predict
• 12:39
  the
• 12:40
  future.
• 12:41
  He's
• 12:41
  asking
• 12:41
  you
• 12:41
  to
• 12:42
  trust
• 12:42
  him
• 12:42
  in
• 12:42
  the
• 12:42
  moment
• 12:43
  which
• 12:44
  leads
• 12:44
  us
• 12:44
  to
• 12:44
  you.
• 12:44
  You
• 12:45
  got
• 12:45
  to
• 12:45
  understand
• 12:45
  the
• 12:46
  progress
• 12:46
  here.
• 12:47
  Progress
• 12:48
  for
• 12:48
  you
• 12:48
  might
• 12:48
  look
• 12:48
  like
• 12:48
  pausing
• 12:49
  before
• 12:49
  deciding
• 12:50
  anything.
• 12:51
  See
• 12:51
  what
• 12:51
  happens.
• 12:52
  Get
• 12:52
  that
• 12:52
  full
• 12:53
  financial
• 12:53
  picture.
• 12:54
  Talk
• 12:54
  to
• 12:54
  those
• 12:54
  people
• 12:55
  around
• 12:55
  you,
• 12:55
  that
• 12:55
  wise
• 12:56
  counsel
• 12:57
  calculating
• 12:58
  how
• 12:58
  much
• 12:58
  money
• 12:58
  could
• 12:59
  support
• 12:59
  the
• 12:59
  household.
• 13:00
  Calling
• 13:00
  the
• 13:01
  mortgage
• 13:01
  company
• 13:01
  to
• 13:02
  understand
• 13:02
  your
• 13:02
  options.
• 13:03
  Meeting
• 13:03
  with
• 13:04
  that
• 13:04
  financial
• 13:04
  or
• 13:05
  tax
• 13:05
  professional,
• 13:06
  creating
• 13:06
  that
• 13:06
  written
• 13:07
  plan.
• 13:07
  Maybe
• 13:08
  choosing
• 13:08
  a
• 13:08
  partial
• 13:09
  approach
• 13:09
  instead
• 13:09
  of
• 13:10
  an
• 13:10
  extreme
• 13:10
  one
• 13:11
  at
• 13:11
  both
• 13:11
  of
• 13:11
  the
• 13:11
  extremes
• 13:12
  and
• 13:12
  protecting
• 13:13
  cash
• 13:13
  while
• 13:13
  you're
• 13:14
  unemployed.
• 13:15
  And
• 13:15
  maybe,
• 13:16
  just
• 13:16
  maybe
• 13:17
  with
• 13:17
  waiting
• 13:17
  until
• 13:17
  employment
• 13:18
  stabilizes
• 13:18
  before
• 13:19
  making
• 13:19
  a
• 13:19
  permanent
• 13:19
  move.
• 13:20
  Confidence
• 13:21
  doesn't
• 13:21
  come
• 13:22
  from
• 13:22
  certainty,
• 13:22
  it
• 13:22
  comes
• 13:22
  from
• 13:23
  wise
• 13:23
  movement.
• 13:24
  But
• 13:24
  then
• 13:24
  you
• 13:25
  gotta
• 13:25
  look
• 13:25
  ahead.
• 13:26
  Don't
• 13:26
  try
• 13:27
  to
• 13:27
  solve
• 13:27
  the
• 13:27
  entire
• 13:28
  future
• 13:28
  in
• 13:29
  one
• 13:29
  decision.
• 13:30
  You
• 13:30
  have
• 13:30
  no
• 13:31
  idea
• 13:31
  what's
• 13:31
  coming
• 13:32
  next.
• 13:33
  A
• 13:33
  wise
• 13:33
  decision
• 13:34
  today
• 13:34
  can
• 13:34
  be
• 13:34
  reviewed
• 13:35
  later.
• 13:35
  You
• 13:35
  can
• 13:35
  change
• 13:36
  it.
• 13:37
  Just
• 13:37
  think
• 13:37
  about
• 13:37
  it
• 13:37
  like
• 13:37
  this.
• 13:38
  If
• 13:38
  Your
• 13:38
  income
• 13:39
  stabilizes,
• 13:40
  the
• 13:40
  options
• 13:40
  might
• 13:40
  change
• 13:41
  completely.
• 13:42
  And
• 13:42
  once
• 13:42
  your
• 13:42
  income
• 13:43
  returns,
• 13:43
  you
• 13:43
  can
• 13:44
  decide
• 13:44
  differently
• 13:45
  about
• 13:45
  your
• 13:45
  mortgage
• 13:46
  and
• 13:46
  investing
• 13:46
  and
• 13:47
  emergency
• 13:47
  reserves
• 13:48
  and
• 13:48
  long
• 13:48
  term
• 13:48
  planning.
• 13:50
  Wisdom
• 13:50
  is
• 13:50
  not
• 13:51
  one
• 13:51
  isolated
• 13:52
  decision.
• 13:53
  Wisdom
• 13:54
  is
• 13:54
  a
• 13:54
  pattern
• 13:54
  of
• 13:55
  fateful
• 13:55
  decisions
• 13:56
  over
• 13:56
  time.
• 13:57
  So
• 13:58
  ask
• 13:58
  yourself,
• 13:59
  what
• 13:59
  decision
• 14:00
  protects
• 14:00
  me
• 14:00
  in
• 14:00
  this
• 14:01
  season
• 14:01
  without
• 14:01
  damaging
• 14:02
  the
• 14:02
  future?
• 14:03
  What
• 14:03
  can
• 14:03
  I
• 14:04
  truly
• 14:04
  decide
• 14:04
  now?
• 14:05
  What
• 14:06
  should
• 14:06
  I
• 14:06
  wait
• 14:06
  for
• 14:06
  until
• 14:07
  income
• 14:07
  stabilizes?
• 14:08
  What
• 14:09
  would
• 14:09
  give
• 14:09
  me
• 14:09
  the
• 14:09
  most
• 14:09
  peace
• 14:10
  and
• 14:10
  flexibility?
• 14:11
  And
• 14:11
  what
• 14:12
  choice
• 14:12
  best
• 14:12
  reflects
• 14:13
  stewardship,
• 14:13
  not
• 14:14
  fear?
• 14:16
  Wisdom
• 14:16
  is
• 14:16
  not
• 14:16
  one
• 14:17
  decision,
• 14:17
  it's
• 14:18
  a
• 14:18
  pattern.
• 14:19
  Wisdom
• 14:20
  isn't
• 14:20
  just
• 14:20
  about
• 14:21
  what
• 14:21
  you
• 14:21
  do
• 14:21
  with
• 14:21
  the
• 14:21
  money,
• 14:22
  it's
• 14:22
  about
• 14:22
  when
• 14:23
  and
• 14:23
  why
• 14:23
  you
• 14:23
  use
• 14:24
  it.
• 14:24
  So
• 14:25
  here's
• 14:25
  your
• 14:25
  win
• 14:25
  for
• 14:25
  today.
• 14:26
  I
• 14:26
  want
• 14:26
  you
• 14:26
  to
• 14:26
  define
• 14:27
  your
• 14:27
  priority
• 14:27
  for
• 14:28
  this
• 14:28
  season.
• 14:28
  Finish
• 14:29
  this
• 14:29
  sentence
• 14:30
  right
• 14:30
  now.
• 14:30
  My
• 14:30
  focus
• 14:31
  is
• 14:31
  blank
• 14:32
  and
• 14:32
  I
• 14:33
  will
• 14:33
  make
• 14:33
  decisions
• 14:33
  that
• 14:34
  support
• 14:34
  that.
• 14:35
  Maybe
• 14:35
  right
• 14:35
  now
• 14:35
  your
• 14:36
  focus
• 14:36
  is
• 14:36
  stability.
• 14:37
  Maybe
• 14:38
  your
• 14:38
  focus
• 14:38
  is
• 14:38
  preserving
• 14:39
  flexibility.
• 14:40
  Maybe
• 14:40
  it's
• 14:41
  getting
• 14:41
  through
• 14:41
  that
• 14:41
  job
• 14:41
  transition.
• 14:42
  Maybe
• 14:43
  it's
• 14:43
  protecting
• 14:44
  long
• 14:44
  term
• 14:44
  growth
• 14:44
  while
• 14:45
  staying
• 14:45
  stable.
• 14:46
  Write
• 14:46
  that
• 14:46
  down,
• 14:47
  that
• 14:47
  clarity
• 14:48
  that
• 14:48
  looking
• 14:49
  at
• 14:49
  it
• 14:49
  will
• 14:49
  reduce
• 14:50
  confusion.
• 14:51
  Let's
• 14:51
  get
• 14:51
  to
• 14:52
  our
• 14:52
  Bible
• 14:52
  verse
• 14:52
  today.
• 14:52
  I
• 14:53
  found
• 14:53
  this
• 14:53
  one
• 14:53
  in
• 14:53
  the
• 14:53
  book
• 14:53
  of
• 14:54
  Proverbs,
• 14:54
  chapter
• 14:54
  3,
• 14:55
  verses
• 14:56
  5
• 14:56
  and
• 14:56
  6.
• 14:57
  Trust
• 14:58
  in
• 14:58
  the
• 14:58
  Lord
• 14:58
  with
• 14:58
  all
• 14:59
  thine
• 14:59
  heart
• 15:00
  and
• 15:00
  lean
• 15:00
  not
• 15:01
  unto
• 15:01
  thine
• 15:01
  own
• 15:02
  understanding
• 15:03
  in
• 15:03
  all
• 15:03
  thy
• 15:03
  ways
• 15:04
  acknowledge
• 15:04
  him
• 15:05
  and
• 15:05
  he
• 15:05
  shall
• 15:06
  direct
• 15:06
  thy
• 15:06
  paths.
• 15:07
  I
• 15:07
  used
• 15:07
  the
• 15:07
  King
• 15:08
  James
• 15:08
  today
• 15:08
  because
• 15:08
  I
• 15:08
  liked
• 15:09
  the
• 15:09
  Thy's
• 15:09
  in
• 15:09
  here
• 15:09
  and
• 15:09
  the
• 15:10
  Thine.
• 15:10
  I
• 15:10
  thought
• 15:10
  it
• 15:10
  was
• 15:10
  pretty
• 15:11
  cool.
• 15:12
  But
• 15:12
  the
• 15:12
  truth
• 15:12
  of
• 15:13
  the
• 15:13
  matter
• 15:13
  is
• 15:13
  this.
• 15:14
  When
• 15:14
  decisions
• 15:15
  feel
• 15:15
  uncertain,
• 15:17
  God
• 15:17
  invites
• 15:17
  you
• 15:18
  to
• 15:18
  trust
• 15:18
  him
• 15:18
  to
• 15:19
  guide
• 15:19
  your
• 15:19
  path
• 15:19
  forward.
• 15:21
  Let's
• 15:21
  reach
• 15:21
  out
• 15:21
  to
• 15:21
  God
• 15:22
  right
• 15:22
  now,
• 15:22
  together.
• 15:23
  Heavenly
• 15:24
  Father,
• 15:24
  we
• 15:25
  lift
• 15:25
  up
• 15:25
  those
• 15:25
  faiths
• 15:26
  and
• 15:26
  decisions
• 15:26
  that
• 15:27
  feel
• 15:27
  bigger
• 15:27
  than
• 15:27
  they
• 15:27
  expected.
• 15:29
  You
• 15:29
  see
• 15:29
  their
• 15:29
  situation,
• 15:31
  you
• 15:31
  see
• 15:31
  their
• 15:31
  uncertainty,
• 15:32
  and
• 15:32
  you
• 15:32
  see
• 15:32
  the
• 15:33
  weight
• 15:33
  they're
• 15:33
  carrying.
• 15:34
  Lord,
• 15:35
  give
• 15:35
  them
• 15:35
  wisdom
• 15:36
  to
• 15:36
  navigate
• 15:36
  this
• 15:37
  moment
• 15:37
  with
• 15:37
  clarity
• 15:38
  and
• 15:38
  peace.
• 15:39
  Help
• 15:39
  them
• 15:40
  make
• 15:40
  decisions
• 15:40
  that
• 15:41
  support
• 15:41
  their
• 15:41
  present
• 15:41
  needs
• 15:42
  while
• 15:42
  still
• 15:42
  honoring
• 15:43
  their
• 15:43
  future.
• 15:45
  Remind
• 15:45
  them,
• 15:45
  Lord,
• 15:45
  that
• 15:46
  you're
• 15:46
  guiding
• 15:46
  them
• 15:46
  even
• 15:47
  when
• 15:47
  the
• 15:47
  path
• 15:47
  feels
• 15:48
  unclear.
• 15:49
  Lead
• 15:49
  them
• 15:49
  step
• 15:50
  by
• 15:50
  step
• 15:50
  and
• 15:51
  give
• 15:51
  them
• 15:51
  confidence
• 15:51
  in
• 15:52
  what
• 15:52
  they
• 15:52
  choose.
• 15:53
  We
• 15:53
  ask
• 15:54
  this
• 15:54
  in
• 15:54
  Jesus
• 15:54
  name.
• 15:56
  Amen.
• 15:57
  I
• 15:58
  just
• 15:58
  want
• 15:58
  to
• 15:58
  reassure
• 15:58
  you
• 15:59
  about
• 15:59
  this,
• 15:59
  friend.
• 16:00
  The
• 16:00
  decision
• 16:01
  is
• 16:01
  not
• 16:01
  about
• 16:02
  perfection.
• 16:03
  It's
• 16:03
  about
• 16:03
  wisdom
• 16:04
  for
• 16:04
  this
• 16:04
  season.
• 16:06
  So
• 16:06
  before
• 16:06
  you
• 16:06
  decide
• 16:07
  what
• 16:07
  to
• 16:07
  do
• 16:07
  with
• 16:07
  the
• 16:07
  inheritance,
• 16:08
  define
• 16:08
  your
• 16:09
  priorities.
• 16:10
  Finish
• 16:10
  that
• 16:11
  sentence
• 16:12
  right
• 16:12
  now.
• 16:12
  My
• 16:12
  focus
• 16:13
  is
• 16:13
  X
• 16:14
  and
• 16:15
  I
• 16:15
  will
• 16:15
  make
• 16:15
  decisions
• 16:15
  that
• 16:16
  support
• 16:16
  that.
• 16:17
  That
• 16:17
  clarity
• 16:18
  can
• 16:18
  help
• 16:18
  move
• 16:19
  forward
• 16:19
  with
• 16:19
  peace
• 16:20
  instead
• 16:20
  of
• 16:20
  pressure.
• 16:21
  And
• 16:22
  right
• 16:22
  now,
• 16:22
  if
• 16:22
  you've
• 16:23
  got
• 16:23
  a
• 16:23
  question,
• 16:23
  you
• 16:23
  want
• 16:23
  me
• 16:23
  to
• 16:24
  help
• 16:24
  you
• 16:24
  walk
• 16:24
  through
• 16:24
  the
• 16:24
  show?
• 16:25
  Maybe
• 16:25
  you're
• 16:25
  feeling
• 16:26
  something,
• 16:26
  financial
• 16:27
  pressure
• 16:27
  or
• 16:27
  you
• 16:28
  want
• 16:28
  some
• 16:28
  peace
• 16:28
  in
• 16:28
  something
• 16:29
  head
• 16:29
  over
• 16:29
  to
• 16:30
  financiallyconfidentchristian.com/question
• 16:33
  We'll
• 16:33
  put
• 16:33
  that
• 16:34
  in
• 16:34
  the
• 16:34
  show
• 16:34
  notes.
• 16:34
  But
• 16:34
  again,
• 16:35
  that's
• 16:35
  financiallyconfidentchristian.Com/question.
• 16:39
  Thank
• 16:40
  you
• 16:40
  so
• 16:40
  much
• 16:40
  for
• 16:40
  joining
• 16:41
  me
• 16:41
  today.
• 16:41
  I
• 16:41
  want
• 16:41
  to
• 16:41
  encourage
• 16:42
  you
• 16:42
  always
• 16:42
  to
• 16:43
  stay
• 16:43
  financially
• 16:43
  savvy.
• 16:44
  May
• 16:45
  God
• 16:45
  bless
• 16:45
  you.
• 16:45
  And
• 16:46
  you
• 16:46
  have
• 16:46
  a
• 16:46
  truly
• 16:47
  great
• 16:47
  day
• 16:47
  today.