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Why Does Saving Feel Impossible (and How to Finally Start)? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:38
  ever
• 0:38
  felt
• 0:38
  like
• 0:38
  saving
• 0:39
  money
• 0:39
  sounds
• 0:39
  good
• 0:40
  in
• 0:40
  theory,
• 0:40
  but
• 0:40
  just
• 0:40
  impossible
• 0:41
  to
• 0:41
  implement
• 0:42
  in
• 0:42
  real
• 0:42
  life?
• 0:43
  You
• 0:43
  look
• 0:43
  at
• 0:43
  your
• 0:44
  paycheck,
• 0:44
  you
• 0:44
  look
• 0:45
  at
• 0:45
  your
• 0:45
  bills,
• 0:45
  and
• 0:46
  it
• 0:46
  feels
• 0:46
  like
• 0:46
  everything
• 0:47
  is
• 0:47
  already
• 0:47
  gone
• 0:48
  before
• 0:48
  the
• 0:48
  month
• 0:48
  even
• 0:49
  starts.
• 0:49
  You've
• 0:50
  got
• 0:50
  no
• 0:50
  room,
• 0:51
  you've
• 0:51
  got
• 0:52
  no
• 0:52
  margin,
• 0:52
  and
• 0:52
  hey,
• 0:52
  there's
• 0:53
  no
• 0:53
  leftover
• 0:53
  at
• 0:54
  all.
• 0:55
  So,
• 0:55
  friend,
• 0:55
  if
• 0:55
  saving
• 0:56
  feels
• 0:56
  impossible
• 0:57
  right
• 0:57
  now,
• 0:57
  you're
• 0:58
  not
• 0:58
  failing.
• 0:58
  You're
• 0:59
  just
• 0:59
  living
• 0:59
  under
• 0:59
  pressure.
• 1:01
  And
• 1:01
  today
• 1:01
  we're
• 1:01
  going
• 1:01
  to
• 1:01
  talk
• 1:02
  about
• 1:02
  how
• 1:02
  to
• 1:02
  begin
• 1:03
  anyway.
• 1:04
  Let's
• 1:04
  begin
• 1:04
  gently,
• 1:05
  honestly,
• 1:06
  and
• 1:06
  without
• 1:06
  shame
• 1:07
  as
• 1:07
  we
• 1:07
  answer
• 1:07
  this
• 1:07
  question.
• 1:08
  Why
• 1:08
  does
• 1:09
  saving
• 1:09
  feel
• 1:09
  impossible?
• 1:10
  And
• 1:11
  how
• 1:11
  do
• 1:11
  I
• 1:11
  finally
• 1:12
  start?
• 1:34
  Hey,
• 1:34
  friend.
• 1:34
  Ralph
• 1:35
  Estep
• 1:35
  Jr.
• 1:36
  Here.
• 1:36
  Welcome
• 1:36
  to
• 1:37
  the
• 1:37
  Financially
• 1:37
  Confident
• 1:38
  Christian,
• 1:38
  where
• 1:39
  we
• 1:39
  learn
• 1:39
  how
• 1:39
  to
• 1:39
  walk
• 1:39
  through
• 1:40
  life
• 1:40
  and
• 1:40
  money
• 1:40
  with
• 1:41
  wisdom,
• 1:41
  with
• 1:42
  peace,
• 1:42
  and
• 1:42
  with
• 1:43
  a
• 1:43
  heart
• 1:43
  anchored
• 1:43
  in
• 1:44
  God's
• 1:44
  truth.
• 1:45
  My
• 1:45
  mission
• 1:45
  here
• 1:45
  is
• 1:46
  simple.
• 1:46
  To
• 1:46
  help
• 1:46
  you
• 1:47
  break
• 1:47
  the
• 1:47
  cycle
• 1:48
  of
• 1:48
  financial
• 1:48
  shame,
• 1:49
  build
• 1:49
  steady
• 1:50
  habits
• 1:50
  rooted
• 1:50
  in
• 1:50
  faith,
• 1:51
  and
• 1:51
  truly
• 1:52
  become
• 1:52
  the
• 1:52
  kind
• 1:52
  of
• 1:52
  believer
• 1:53
  who
• 1:53
  handles
• 1:53
  money
• 1:54
  with
• 1:54
  clarity,
• 1:55
  with
• 1:55
  confidence,
• 1:56
  and
• 1:56
  with
• 1:56
  spiritual
• 1:57
  purpose.
• 1:57
  Yes,
• 1:57
  we
• 1:58
  can
• 1:58
  do
• 1:58
  that.
• 1:59
  Yesterday
• 1:59
  we
• 1:59
  wrapped
• 2:00
  up
• 2:00
  our
• 2:00
  debt
• 2:00
  series
• 2:01
  by
• 2:01
  talking
• 2:01
  about
• 2:01
  freedom
• 2:02
  in
• 2:02
  Christ.
• 2:03
  Not
• 2:03
  just
• 2:03
  freedom
• 2:04
  from
• 2:04
  balances,
• 2:04
  but
• 2:05
  freedom
• 2:05
  from
• 2:05
  shame.
• 2:06
  And
• 2:06
  today
• 2:07
  we're
• 2:07
  beginning
• 2:07
  something
• 2:08
  brand
• 2:08
  new,
• 2:08
  a
• 2:09
  savings
• 2:09
  habit
• 2:10
  series.
• 2:10
  And
• 2:11
  we're
• 2:11
  starting
• 2:11
  where
• 2:11
  most
• 2:12
  people
• 2:12
  feel
• 2:12
  stuck.
• 2:13
  Because
• 2:13
  before
• 2:14
  savings
• 2:14
  feels
• 2:15
  hopeful,
• 2:15
  it
• 2:15
  often
• 2:16
  feels
• 2:16
  impossible.
• 2:17
  A
• 2:18
  listener
• 2:18
  once
• 2:18
  asked
• 2:19
  me,
• 2:19
  ralph,
• 2:19
  how
• 2:20
  am
• 2:20
  I
• 2:20
  supposed
• 2:20
  to
• 2:21
  say
• 2:21
  when
• 2:21
  there's
• 2:21
  nothing
• 2:21
  left
• 2:22
  at
• 2:22
  the
• 2:22
  end
• 2:22
  of
• 2:22
  the
• 2:22
  month?
• 2:23
  I
• 2:24
  feel
• 2:24
  that
• 2:24
  at
• 2:24
  times.
• 2:25
  And
• 2:25
  this
• 2:26
  question
• 2:26
  matters
• 2:26
  today
• 2:27
  because
• 2:27
  it's
• 2:27
  not
• 2:28
  about
• 2:28
  motivation.
• 2:29
  It's
• 2:29
  about
• 2:30
  the
• 2:30
  reality.
• 2:31
  And
• 2:31
  it
• 2:31
  carries
• 2:32
  a
• 2:32
  lot
• 2:32
  of
• 2:32
  quiet
• 2:32
  frustration
• 2:33
  in
• 2:33
  it.
• 2:34
  And
• 2:34
  underneath
• 2:35
  that
• 2:35
  question
• 2:35
  is
• 2:35
  this
• 2:36
  feeling.
• 2:37
  I'm
• 2:37
  doing
• 2:38
  my
• 2:38
  best,
• 2:39
  but
• 2:39
  it
• 2:39
  still
• 2:39
  doesn't
• 2:40
  feel
• 2:40
  like
• 2:40
  enough.
• 2:41
  I
• 2:41
  want
• 2:41
  to
• 2:41
  be
• 2:42
  wise,
• 2:42
  but
• 2:42
  I
• 2:42
  don't
• 2:42
  see
• 2:43
  where
• 2:43
  savings
• 2:43
  even
• 2:43
  fits
• 2:44
  into
• 2:44
  this.
• 2:45
  And
• 2:45
  I
• 2:45
  feel
• 2:46
  behind
• 2:46
  even
• 2:46
  when
• 2:47
  I'm
• 2:47
  trying.
• 2:48
  Friends,
• 2:48
  savings
• 2:49
  doesn't
• 2:49
  feel
• 2:49
  hard
• 2:49
  when
• 2:50
  there's
• 2:50
  extra
• 2:51
  it.
• 2:51
  It's
• 2:51
  easy
• 2:51
  to
• 2:51
  save
• 2:52
  when
• 2:52
  there's
• 2:52
  extra,
• 2:53
  but
• 2:53
  it
• 2:54
  feels
• 2:54
  impossible
• 2:54
  when
• 2:55
  every
• 2:55
  dollar
• 2:56
  already
• 2:56
  has
• 2:56
  an
• 2:56
  assigned
• 2:57
  job.
• 2:58
  That
• 2:58
  doesn't
• 2:58
  make
• 2:58
  you
• 2:59
  careless.
• 2:59
  It
• 3:00
  makes
• 3:00
  you
• 3:00
  human.
• 3:01
  Here's
• 3:02
  something
• 3:02
  Research
• 3:02
  consistently
• 3:03
  shows
• 3:04
  people
• 3:04
  who
• 3:05
  start
• 3:05
  saving
• 3:05
  small,
• 3:06
  even
• 3:06
  very
• 3:07
  small,
• 3:08
  are
• 3:08
  more
• 3:08
  likely
• 3:08
  to
• 3:09
  keep
• 3:09
  saving
• 3:09
  long
• 3:10
  term
• 3:10
  than
• 3:10
  people
• 3:10
  who
• 3:11
  wait
• 3:11
  for
• 3:11
  the
• 3:11
  right
• 3:12
  time.
• 3:13
  Momentum
• 3:14
  matters
• 3:14
  more
• 3:14
  than
• 3:14
  the
• 3:14
  amount.
• 3:15
  Hear
• 3:15
  that?
• 3:15
  Remember
• 3:16
  me?
• 3:16
  Momentum
• 3:17
  matters
• 3:17
  more
• 3:17
  than
• 3:17
  the
• 3:18
  amount.
• 3:19
  And
• 3:19
  over
• 3:19
  the
• 3:20
  years,
• 3:20
  I've
• 3:20
  walked
• 3:20
  with
• 3:20
  people
• 3:21
  at
• 3:21
  every
• 3:21
  income
• 3:22
  level,
• 3:22
  and
• 3:23
  I've
• 3:23
  seen
• 3:23
  this
• 3:23
  again
• 3:24
  and
• 3:24
  again.
• 3:25
  The
• 3:25
  people
• 3:26
  who
• 3:26
  eventually
• 3:26
  build
• 3:27
  savings
• 3:27
  aren't
• 3:28
  the
• 3:28
  ones
• 3:28
  who
• 3:28
  start
• 3:28
  big.
• 3:29
  They're
• 3:30
  the
• 3:30
  ones
• 3:30
  who
• 3:30
  start
• 3:30
  honestly
• 3:31
  with
• 3:31
  what
• 3:32
  they
• 3:32
  actually
• 3:32
  have
• 3:33
  to
• 3:33
  Work
• 3:33
  with.
• 3:34
  I
• 3:34
  remember
• 3:35
  someone
• 3:35
  telling
• 3:35
  me,
• 3:35
  Ralph,
• 3:36
  saving
• 3:36
  $5
• 3:37
  feels
• 3:37
  silly.
• 3:38
  That's
• 3:39
  what
• 3:39
  they
• 3:39
  said
• 3:39
  to
• 3:39
  me.
• 3:40
  But
• 3:41
  they
• 3:41
  tried
• 3:41
  it
• 3:41
  anyway.
• 3:42
  And
• 3:43
  that
• 3:43
  $5
• 3:43
  became
• 3:44
  a
• 3:44
  habit.
• 3:45
  And
• 3:45
  that
• 3:45
  habit
• 3:46
  became
• 3:46
  consistency.
• 3:47
  And
• 3:47
  that
• 3:47
  consistency
• 3:48
  became
• 3:48
  peace.
• 3:49
  Not
• 3:50
  because
• 3:50
  the
• 3:50
  number
• 3:50
  was
• 3:51
  impressive,
• 3:52
  but
• 3:52
  because
• 3:52
  they
• 3:53
  finally
• 3:53
  felt
• 3:53
  forward
• 3:54
  motion.
• 3:54
  And
• 3:55
  that
• 3:55
  savings
• 3:55
  stopped
• 3:56
  feeling
• 3:56
  impossible
• 3:57
  and
• 3:57
  started
• 3:58
  feeling
• 3:58
  possible
• 3:59
  again.
• 3:59
  So
• 4:00
  here's
• 4:00
  today's
• 4:00
  general
• 4:01
  question.
• 4:02
  What
• 4:02
  if
• 4:02
  savings
• 4:03
  isn't
• 4:03
  about
• 4:03
  how
• 4:04
  much
• 4:04
  you
• 4:04
  save,
• 4:05
  but
• 4:05
  about
• 4:05
  choosing
• 4:06
  to
• 4:06
  begin?
• 4:07
  Let's
• 4:08
  talk
• 4:08
  about
• 4:08
  that.
• 4:10
  Savings
• 4:10
  feels
• 4:11
  impossible
• 4:11
  when
• 4:12
  every
• 4:12
  dollar
• 4:12
  is
• 4:12
  pre
• 4:13
  spent.
• 4:13
  We
• 4:13
  got
• 4:13
  to
• 4:13
  start
• 4:14
  there.
• 4:15
  When
• 4:15
  money
• 4:15
  is
• 4:15
  tight,
• 4:16
  savings
• 4:16
  feels
• 4:17
  like
• 4:17
  something
• 4:17
  only
• 4:17
  other
• 4:17
  people
• 4:18
  do.
• 4:18
  Oh
• 4:18
  yeah,
• 4:18
  they
• 4:18
  can
• 4:19
  save
• 4:19
  because
• 4:19
  they
• 4:19
  got
• 4:19
  extra
• 4:19
  money,
• 4:20
  Ralph.
• 4:21
  Because
• 4:22
  by
• 4:22
  the
• 4:22
  time
• 4:22
  you
• 4:22
  get
• 4:23
  paid,
• 4:23
  it
• 4:24
  already
• 4:24
  has
• 4:24
  a
• 4:24
  destination.
• 4:25
  Hey,
• 4:26
  this
• 4:26
  money's
• 4:26
  assigned
• 4:27
  for
• 4:27
  rent.
• 4:27
  This
• 4:28
  money's
• 4:28
  a
• 4:28
  sign
• 4:28
  for
• 4:29
  groceries.
• 4:29
  Got
• 4:29
  to
• 4:29
  put
• 4:29
  gas
• 4:30
  in
• 4:30
  the
• 4:30
  car.
• 4:30
  I
• 4:31
  got
• 4:31
  to
• 4:31
  buy
• 4:31
  my
• 4:31
  medicine.
• 4:32
  These
• 4:32
  kids
• 4:32
  are
• 4:32
  expensive.
• 4:33
  And
• 4:34
  that
• 4:34
  one
• 4:34
  bill
• 4:34
  you're
• 4:35
  behind
• 4:35
  on.
• 4:36
  And
• 4:36
  the
• 4:37
  idea
• 4:37
  of
• 4:37
  savings
• 4:37
  feels
• 4:38
  almost
• 4:38
  insulting.
• 4:39
  Like,
• 4:39
  save
• 4:39
  what?
• 4:40
  Jan?
• 4:40
  Aaron,
• 4:40
  I
• 4:41
  got
• 4:41
  nothing
• 4:41
  to
• 4:41
  save.
• 4:42
  So
• 4:43
  if
• 4:43
  you
• 4:43
  ever
• 4:43
  thought
• 4:44
  I
• 4:44
  would
• 4:44
  love
• 4:44
  to
• 4:44
  save,
• 4:45
  but
• 4:45
  there's
• 4:45
  nothing
• 4:45
  left,
• 4:46
  I
• 4:47
  want
• 4:47
  you
• 4:47
  to
• 4:47
  hear
• 4:47
  me
• 4:47
  clearly.
• 4:48
  That
• 4:49
  feeling
• 4:49
  is
• 4:49
  real.
• 4:51
  It's
• 4:51
  raw.
• 4:52
  And
• 4:52
  you're
• 4:52
  not
• 4:52
  broken
• 4:53
  for
• 4:53
  feeling
• 4:54
  it.
• 4:54
  But
• 4:55
  here's
• 4:55
  the
• 4:55
  trap.
• 4:56
  When
• 4:56
  every
• 4:56
  dollar
• 4:57
  is
• 4:57
  pre
• 4:57
  spent,
• 4:58
  your
• 4:58
  brain
• 4:58
  starts
• 4:59
  to
• 4:59
  believe
• 4:59
  you
• 4:59
  will
• 4:59
  always
• 5:00
  be
• 5:00
  one
• 5:00
  emergency
• 5:01
  away
• 5:01
  from
• 5:01
  panic,
• 5:01
  one
• 5:02
  emergency
• 5:02
  away
• 5:02
  from
• 5:02
  disaster,
• 5:03
  to
• 5:03
  be
• 5:03
  honest.
• 5:04
  And
• 5:04
  that
• 5:05
  belief
• 5:05
  becomes
• 5:05
  a
• 5:05
  lifestyle.
• 5:06
  I
• 5:06
  see
• 5:06
  so
• 5:06
  many
• 5:06
  people
• 5:07
  living
• 5:07
  in
• 5:07
  that
• 5:07
  lifestyle,
• 5:08
  not
• 5:08
  because
• 5:08
  they're
• 5:09
  lazy,
• 5:10
  but
• 5:10
  because
• 5:10
  they're
• 5:10
  tired.
• 5:12
  So
• 5:12
  we're
• 5:13
  not
• 5:13
  going
• 5:13
  to
• 5:13
  start
• 5:13
  with
• 5:13
  shame
• 5:14
  today.
• 5:14
  We're
• 5:14
  going
• 5:14
  to
• 5:14
  start
• 5:15
  with
• 5:15
  honesty.
• 5:15
  And
• 5:16
  then
• 5:16
  we're
• 5:16
  going
• 5:16
  to
• 5:16
  start
• 5:17
  small.
• 5:18
  Small
• 5:18
  amounts
• 5:18
  still
• 5:19
  matter.
• 5:19
  Like
• 5:19
  I
• 5:20
  Talked
• 5:20
  about
• 5:20
  earlier,
• 5:21
  $5
• 5:21
  still
• 5:22
  counts.
• 5:23
  That
• 5:23
  consistency
• 5:24
  still
• 5:24
  counts,
• 5:25
  that
• 5:25
  faithfulness
• 5:26
  still
• 5:26
  counts.
• 5:28
  Because
• 5:28
  savings
• 5:28
  isn't
• 5:29
  just
• 5:29
  about
• 5:29
  having
• 5:30
  money.
• 5:30
  It's
• 5:31
  about
• 5:31
  building
• 5:31
  a
• 5:32
  new
• 5:32
  story.
• 5:32
  That's
• 5:32
  what
• 5:32
  we're
• 5:32
  really
• 5:33
  doing
• 5:33
  today.
• 5:34
  We're
• 5:34
  building
• 5:34
  a
• 5:34
  story
• 5:34
  that
• 5:35
  says,
• 5:35
  I
• 5:35
  might
• 5:36
  not
• 5:36
  have
• 5:36
  much
• 5:36
  right
• 5:37
  now,
• 5:37
  but
• 5:37
  I'm
• 5:37
  not
• 5:38
  powerless.
• 5:39
  It's
• 5:40
  like
• 5:40
  planting
• 5:40
  a
• 5:40
  seed.
• 5:41
  A
• 5:41
  seed
• 5:42
  doesn't
• 5:42
  look
• 5:42
  impressive,
• 5:43
  but
• 5:44
  it
• 5:44
  does
• 5:44
  feel
• 5:44
  like
• 5:44
  progress.
• 5:46
  But
• 5:47
  it's
• 5:47
  proof
• 5:47
  that
• 5:47
  growth
• 5:47
  is
• 5:48
  possible.
• 5:49
  And
• 5:49
  I'll
• 5:49
  tell
• 5:50
  you
• 5:50
  something
• 5:50
  I've
• 5:50
  seen
• 5:50
  over
• 5:51
  and
• 5:51
  over
• 5:51
  again
• 5:51
  as
• 5:52
  an
• 5:52
  accountant.
• 5:53
  People
• 5:53
  don't
• 5:54
  change
• 5:54
  their
• 5:54
  finances
• 5:54
  when
• 5:55
  they
• 5:55
  find
• 5:55
  extra
• 5:55
  money.
• 5:56
  They
• 5:56
  change
• 5:56
  their
• 5:57
  finances
• 5:57
  when
• 5:58
  they
• 5:58
  change
• 5:58
  their
• 5:58
  patterns.
• 5:59
  See,
• 5:59
  that's
• 6:00
  what
• 6:00
  the
• 6:00
  answer
• 6:00
  is.
• 6:01
  So
• 6:01
  yes,
• 6:02
  $5
• 6:03
  matters.
• 6:03
  $10
• 6:04
  matters.
• 6:04
  Listen
• 6:05
  to
• 6:05
  me,
• 6:05
  $1
• 6:06
  matters.
• 6:07
  Because
• 6:07
  it's
• 6:08
  not
• 6:08
  just
• 6:08
  money
• 6:08
  in
• 6:08
  a
• 6:08
  jar,
• 6:09
  it's
• 6:09
  a
• 6:09
  Vote
• 6:10
  for
• 6:10
  the
• 6:10
  future
• 6:10
  you're
• 6:11
  paying
• 6:11
  for.
• 6:12
  Because
• 6:12
  savings
• 6:12
  is
• 6:13
  a
• 6:13
  habit,
• 6:13
  not
• 6:13
  a
• 6:13
  number.
• 6:14
  You
• 6:15
  don't
• 6:15
  need
• 6:15
  a
• 6:15
  perfect
• 6:15
  plan.
• 6:16
  You
• 6:16
  need
• 6:17
  a
• 6:17
  repeatable
• 6:17
  starting
• 6:18
  point,
• 6:18
  something
• 6:18
  that
• 6:18
  you
• 6:19
  can
• 6:19
  do.
• 6:19
  So
• 6:19
  let's
• 6:19
  make
• 6:19
  this
• 6:19
  practical.
• 6:21
  Savings
• 6:21
  works
• 6:21
  best
• 6:22
  when
• 6:22
  you
• 6:22
  don't
• 6:22
  rely
• 6:23
  on
• 6:23
  motivation.
• 6:24
  Because
• 6:25
  motivation
• 6:25
  comes
• 6:26
  and
• 6:26
  goes.
• 6:26
  But
• 6:26
  habits
• 6:27
  can
• 6:27
  hold
• 6:27
  you
• 6:27
  steady.
• 6:29
  So
• 6:29
  pick
• 6:29
  a
• 6:29
  rhythm
• 6:29
  you
• 6:29
  can
• 6:30
  repeat.
• 6:30
  Maybe
• 6:31
  for
• 6:31
  you,
• 6:31
  it's
• 6:31
  every
• 6:31
  paycheck,
• 6:32
  $10
• 6:32
  goes
• 6:33
  into
• 6:33
  savings.
• 6:34
  Or
• 6:34
  every
• 6:34
  Friday,
• 6:35
  I
• 6:35
  put
• 6:35
  aside
• 6:35
  five
• 6:36
  bucks.
• 6:36
  Or
• 6:37
  maybe
• 6:37
  for
• 6:37
  you,
• 6:37
  every
• 6:37
  time
• 6:38
  you
• 6:38
  buy
• 6:38
  groceries,
• 6:38
  you
• 6:39
  round
• 6:39
  up
• 6:39
  and
• 6:39
  move
• 6:39
  the
• 6:39
  difference
• 6:40
  to
• 6:40
  that
• 6:40
  savings
• 6:41
  account.
• 6:42
  Or
• 6:42
  maybe
• 6:42
  every
• 6:43
  time
• 6:43
  you
• 6:43
  get
• 6:43
  a
• 6:43
  little
• 6:43
  extra,
• 6:44
  you
• 6:44
  save
• 6:45
  first
• 6:45
  and
• 6:45
  then
• 6:45
  spend.
• 6:46
  We'll
• 6:46
  talk
• 6:46
  about
• 6:46
  that
• 6:46
  more
• 6:46
  on
• 6:47
  tomorrow's
• 6:47
  show.
• 6:48
  But
• 6:48
  don't
• 6:48
  overcomplicate
• 6:49
  it.
• 6:50
  You're
• 6:50
  not
• 6:50
  trying
• 6:50
  to
• 6:50
  become
• 6:51
  a
• 6:51
  financial
• 6:51
  genius
• 6:52
  overnight.
• 6:52
  You're
• 6:53
  just
• 6:53
  trying
• 6:53
  to
• 6:53
  become
• 6:54
  consistent.
• 6:54
  Because
• 6:55
  consistency
• 6:56
  creates
• 6:56
  momentum,
• 6:57
  that
• 6:57
  momentum
• 6:58
  creates
• 6:58
  options,
• 6:59
  and
• 6:59
  options
• 7:00
  create
• 7:00
  peace.
• 7:02
  Savings
• 7:02
  is
• 7:02
  simply
• 7:03
  practicing
• 7:03
  a
• 7:03
  new
• 7:04
  reflex.
• 7:05
  Before
• 7:05
  I
• 7:05
  react,
• 7:06
  I
• 7:06
  prepare.
• 7:08
  Because
• 7:08
  peace
• 7:08
  grows
• 7:09
  with
• 7:09
  that
• 7:09
  consistency.
• 7:11
  When
• 7:11
  savings
• 7:12
  becomes
• 7:12
  normal,
• 7:13
  fear
• 7:13
  slowly
• 7:14
  loosens
• 7:14
  its
• 7:14
  grip
• 7:15
  on
• 7:15
  you
• 7:15
  and
• 7:16
  clarity
• 7:16
  begins
• 7:17
  to
• 7:17
  grow.
• 7:18
  Because
• 7:18
  here's
• 7:18
  what
• 7:18
  fear
• 7:19
  does.
• 7:19
  Fear
• 7:19
  tells
• 7:20
  you
• 7:20
  that
• 7:20
  your
• 7:20
  one
• 7:21
  surprise
• 7:21
  build
• 7:21
  will
• 7:22
  knock
• 7:22
  you
• 7:22
  down.
• 7:22
  It
• 7:23
  ever
• 7:23
  been
• 7:23
  knocked
• 7:23
  down
• 7:24
  when
• 7:25
  you've
• 7:25
  been
• 7:25
  saving
• 7:25
  even
• 7:26
  a
• 7:26
  little,
• 7:26
  you
• 7:27
  start
• 7:27
  to
• 7:27
  think
• 7:27
  differently.
• 7:28
  You
• 7:29
  start
• 7:29
  to
• 7:29
  breathe
• 7:29
  differently.
• 7:30
  You
• 7:30
  start
• 7:30
  to
• 7:30
  see
• 7:31
  problems
• 7:31
  as
• 7:31
  solvable
• 7:32
  instead
• 7:32
  of
• 7:32
  catastrophic.
• 7:34
  And
• 7:35
  that's
• 7:35
  where
• 7:35
  peace
• 7:35
  begins.
• 7:36
  Not
• 7:37
  when
• 7:37
  you
• 7:37
  have
• 7:37
  thousands,
• 7:38
  but
• 7:38
  when
• 7:38
  you
• 7:38
  have
• 7:39
  a
• 7:39
  habit.
• 7:39
  When
• 7:40
  you
• 7:40
  can
• 7:40
  say,
• 7:40
  I'm
• 7:41
  not
• 7:41
  where
• 7:41
  I
• 7:41
  want
• 7:41
  to
• 7:41
  be
• 7:42
  yet,
• 7:42
  Ralph,
• 7:43
  but
• 7:43
  I'm
• 7:43
  not
• 7:43
  stuck
• 7:44
  anymore.
• 7:45
  And
• 7:46
  friend,
• 7:46
  that
• 7:46
  shift,
• 7:47
  that
• 7:47
  shift
• 7:47
  is
• 7:48
  super
• 7:48
  powerful.
• 7:49
  That's
• 7:49
  the
• 7:49
  moment
• 7:49
  you
• 7:50
  stop
• 7:50
  living
• 7:50
  in
• 7:50
  constant
• 7:51
  reaction
• 7:51
  and
• 7:52
  you
• 7:52
  start
• 7:52
  living
• 7:52
  with
• 7:53
  steady
• 7:53
  direction.
• 7:54
  Because
• 7:55
  peace
• 7:55
  isn't
• 7:55
  the
• 7:56
  absence
• 7:56
  of
• 7:56
  bills.
• 7:56
  Truth
• 7:57
  is,
• 7:57
  you're
• 7:57
  probably
• 7:57
  going
• 7:57
  to
• 7:57
  have
• 7:57
  bills
• 7:58
  the
• 7:58
  rest
• 7:58
  of
• 7:58
  your
• 7:58
  life.
• 7:59
  Peace
• 8:00
  is
• 8:00
  the
• 8:00
  presence
• 8:00
  of
• 8:01
  a
• 8:01
  plan
• 8:01
  and
• 8:01
  the
• 8:02
  confidence
• 8:02
  that
• 8:02
  God
• 8:02
  is
• 8:03
  walking
• 8:03
  with
• 8:03
  you
• 8:04
  one
• 8:04
  faithful
• 8:04
  step
• 8:04
  at
• 8:05
  a
• 8:05
  time.
• 8:05
  Let's
• 8:06
  look
• 8:06
  at
• 8:06
  Proverbs
• 8:06
  13:11.
• 8:08
  Dishonest
• 8:09
  money
• 8:09
  dwindles
• 8:09
  away.
• 8:10
  But
• 8:10
  whoever
• 8:10
  gathers
• 8:11
  money,
• 8:11
  little
• 8:12
  by
• 8:12
  little
• 8:13
  makes
• 8:13
  it
• 8:13
  grow.
• 8:14
  And
• 8:14
  I
• 8:14
  wanted
• 8:14
  to
• 8:14
  focus
• 8:15
  on
• 8:15
  that
• 8:15
  verse
• 8:15
  today.
• 8:16
  God
• 8:16
  isn't
• 8:17
  praising
• 8:17
  speed
• 8:17
  here.
• 8:18
  In
• 8:18
  this
• 8:18
  verse,
• 8:19
  he's
• 8:19
  honoring
• 8:20
  faithfulness.
• 8:21
  Little
• 8:22
  by
• 8:22
  little
• 8:23
  is
• 8:23
  wisdom.
• 8:24
  You
• 8:24
  can
• 8:25
  start
• 8:25
  saving
• 8:25
  little
• 8:26
  by
• 8:26
  little.
• 8:26
  That's
• 8:27
  God's
• 8:27
  wisdom.
• 8:28
  Let's
• 8:28
  pray
• 8:28
  together.
• 8:29
  Lord,
• 8:29
  thank
• 8:30
  you
• 8:30
  for
• 8:30
  providing
• 8:31
  for
• 8:31
  us
• 8:31
  even
• 8:31
  when
• 8:32
  things
• 8:32
  feel
• 8:32
  tight.
• 8:33
  Help
• 8:34
  us
• 8:34
  begin
• 8:34
  saving
• 8:35
  not
• 8:35
  perfectly,
• 8:36
  but
• 8:36
  faithfully.
• 8:37
  Give
• 8:37
  us
• 8:37
  discipline
• 8:38
  without
• 8:38
  pressure
• 8:39
  and
• 8:39
  hope
• 8:40
  that
• 8:40
  grows
• 8:40
  over
• 8:40
  time
• 8:41
  as
• 8:41
  we
• 8:41
  make
• 8:41
  one
• 8:41
  step
• 8:42
  at
• 8:42
  a
• 8:42
  time.
• 8:42
  And
• 8:42
  we
• 8:42
  ask
• 8:43
  this
• 8:43
  in
• 8:43
  Jesus
• 8:43
  name,
• 8:45
  Amen
• 8:45
  here's
• 8:46
  today's
• 8:47
  I
• 8:47
  want
• 8:47
  you
• 8:47
  to
• 8:48
  save
• 8:48
  $5
• 8:49
  today.
• 8:49
  Not
• 8:50
  tomorrow,
• 8:50
  not
• 8:51
  someday
• 8:51
  today.
• 8:52
  Start
• 8:52
  small,
• 8:52
  but
• 8:53
  start
• 8:53
  now.
• 8:54
  Friend.
• 8:55
  Many
• 8:55
  people
• 8:55
  tell
• 8:55
  me
• 8:56
  this
• 8:56
  show
• 8:56
  feels
• 8:56
  safe
• 8:57
  to
• 8:57
  them,
• 8:57
  like
• 8:58
  a
• 8:58
  place
• 8:58
  where
• 8:58
  money
• 8:58
  isn't
• 8:59
  used
• 8:59
  to
• 8:59
  measure
• 8:59
  their
• 9:00
  faith,
• 9:00
  where
• 9:01
  progress
• 9:01
  matters
• 9:02
  more
• 9:02
  than
• 9:02
  perfection.
• 9:03
  If
• 9:03
  that's
• 9:04
  what
• 9:04
  you
• 9:04
  need,
• 9:04
  you're
• 9:05
  already
• 9:05
  among
• 9:05
  friends
• 9:06
  and
• 9:06
  you
• 9:06
  want
• 9:06
  to
• 9:07
  take
• 9:07
  it
• 9:07
  to
• 9:07
  the
• 9:07
  next
• 9:07
  step.
• 9:07
  If
• 9:08
  you
• 9:08
  want
• 9:08
  a
• 9:08
  little
• 9:08
  more
• 9:09
  support,
• 9:10
  a
• 9:10
  little
• 9:10
  more
• 9:10
  clarity
• 9:11
  and
• 9:11
  a
• 9:11
  little
• 9:11
  more
• 9:11
  encouragement
• 9:12
  between
• 9:12
  episodes,
• 9:13
  come
• 9:13
  join
• 9:13
  us
• 9:14
  at
• 9:14
  our
• 9:14
  community.
• 9:14
  You
• 9:15
  go
• 9:15
  to
• 9:15
  financiallyconfidentchristian.com/join
• 9:19
  again.
• 9:19
  That's
• 9:19
  financiallyconfidentchristian.com/Join.
• 9:23
  That's
• 9:23
  where
• 9:23
  you'll
• 9:23
  find
• 9:24
  a
• 9:24
  community
• 9:24
  and
• 9:25
  a
• 9:25
  place
• 9:25
  to
• 9:25
  keep
• 9:25
  growing
• 9:26
  without
• 9:26
  pressure
• 9:27
  and
• 9:27
  without
• 9:27
  shame.
• 9:28
  So
• 9:28
  I
• 9:28
  encourage
• 9:28
  you
• 9:28
  to
• 9:29
  go
• 9:29
  there
• 9:29
  today.
• 9:30
  Let
• 9:30
  me
• 9:30
  leave
• 9:30
  you
• 9:30
  with
• 9:31
  this.
• 9:32
  God
• 9:32
  is
• 9:32
  patient
• 9:33
  with
• 9:33
  your
• 9:33
  growth.
• 9:34
  Those
• 9:34
  small
• 9:35
  beginnings
• 9:35
  still
• 9:36
  mattered
• 9:36
  and
• 9:37
  today
• 9:37
  counts.
• 9:38
  Go
• 9:38
  out
• 9:38
  there
• 9:39
  today
• 9:39
  and
• 9:39
  be
• 9:39
  a
• 9:40
  financially
• 9:40
  confident
• 9:41
  Christian.
• 9:41
  You
• 9:42
  can
• 9:42
  do
• 9:42
  this.
• 9:42
  Stay
• 9:43
  financially
• 9:43
  savvy.
• 9:44
  God
• 9:44
  bless
• 9:44
  you,
• 9:45
  and
• 9:45
  I'll
• 9:45
  see
• 9:45
  you
• 9:45
  on
• 9:45
  tomorrow's
• 9:46
  show.