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How Can I Get Control When Bills Keep Catching Me Off Guard? · Becoming Financially Confident

• 0:37
  You
• 0:37
  feel
• 0:37
  like
• 0:38
  your
• 0:38
  bills
• 0:38
  are
• 0:38
  playing
• 0:38
  hide
• 0:39
  and
• 0:39
  seek,
• 0:40
  and
• 0:40
  it's
• 0:41
  not
• 0:41
  because
• 0:41
  you're
• 0:41
  irresponsible,
• 0:43
  because
• 0:43
  they
• 0:43
  hit
• 0:43
  at
• 0:44
  weird
• 0:44
  times
• 0:45
  and
• 0:46
  every
• 0:46
  time
• 0:46
  one
• 0:46
  pops
• 0:47
  up,
• 0:47
  you
• 0:47
  feel
• 0:48
  that
• 0:48
  same
• 0:48
  stomach
• 0:49
  drop.
• 0:50
  Oh,
• 0:50
  no,
• 0:50
  I
• 0:50
  forgot
• 0:51
  that
• 0:51
  one.
• 0:52
  Then
• 0:52
  you
• 0:52
  scramble,
• 0:53
  you
• 0:53
  move
• 0:53
  money
• 0:54
  around
• 0:54
  and
• 0:54
  you
• 0:54
  hope
• 0:55
  nothing
• 0:55
  else
• 0:55
  hits
• 0:55
  that
• 0:56
  day.
• 0:57
  That's
• 0:57
  exhausting.
• 0:58
  Is
• 0:58
  it?
• 0:59
  So
• 0:59
  today
• 1:00
  is
• 1:00
  not
• 1:00
  about
• 1:00
  being
• 1:00
  perfect.
• 1:01
  Today's
• 1:02
  about
• 1:02
  building
• 1:03
  one
• 1:03
  simple
• 1:03
  map
• 1:04
  so
• 1:04
  you
• 1:04
  stop
• 1:05
  getting
• 1:05
  blindsided
• 1:06
  and
• 1:07
  you
• 1:07
  can
• 1:07
  start
• 1:07
  breathing
• 1:08
  again.
• 1:30
  Hey,
• 1:30
  friend.
• 1:31
  Ralph
• 1:31
  Estep
• 1:31
  Jr.
• 1:32
  Here.
• 1:32
  This
• 1:32
  is
• 1:32
  financially
• 1:33
  Confident
• 1:33
  Christian,
• 1:34
  where
• 1:34
  every
• 1:35
  day
• 1:35
  I'm
• 1:35
  working
• 1:35
  to
• 1:36
  break
• 1:36
  that
• 1:36
  cycle
• 1:36
  of
• 1:37
  financial
• 1:37
  shame
• 1:38
  and
• 1:38
  truly
• 1:39
  help
• 1:39
  you
• 1:39
  find
• 1:39
  confidence.
• 1:40
  And
• 1:41
  today's
• 1:41
  topic
• 1:41
  is
• 1:42
  all
• 1:42
  about
• 1:42
  that.
• 1:43
  Today
• 1:43
  we're
• 1:43
  talking
• 1:44
  about
• 1:44
  getting
• 1:44
  control
• 1:45
  when
• 1:45
  bills
• 1:45
  keep
• 1:46
  catching
• 1:46
  you
• 1:46
  off
• 1:46
  guard.
• 1:47
  Well,
• 1:48
  let's
• 1:48
  get
• 1:48
  into
• 1:48
  today's
• 1:49
  listener
• 1:49
  question.
• 1:50
  This
• 1:50
  one
• 1:50
  came
• 1:50
  in
• 1:51
  and
• 1:51
  it
• 1:51
  said
• 1:51
  this.
• 1:52
  Ralph,
• 1:52
  my
• 1:53
  bills
• 1:53
  hit
• 1:53
  at
• 1:54
  random
• 1:54
  times
• 1:54
  throughout
• 1:54
  the
• 1:55
  month
• 1:55
  and
• 1:56
  I'm
• 1:56
  constantly
• 1:56
  caught
• 1:57
  off
• 1:57
  guard.
• 1:58
  I'm
• 1:58
  always
• 1:58
  scrambling,
• 1:59
  moving
• 2:00
  money
• 2:00
  around,
• 2:00
  trying
• 2:01
  to
• 2:01
  figure
• 2:01
  out
• 2:01
  what's
• 2:02
  due
• 2:02
  when.
• 2:03
  It's
• 2:04
  exhausting
• 2:04
  living
• 2:05
  in
• 2:05
  reaction
• 2:05
  mode.
• 2:06
  I
• 2:06
  want
• 2:06
  to
• 2:06
  get
• 2:07
  ahead
• 2:07
  of
• 2:07
  this,
• 2:07
  but
• 2:08
  I
• 2:08
  don't
• 2:08
  even
• 2:08
  know
• 2:08
  where
• 2:09
  to
• 2:09
  start.
• 2:10
  What's
• 2:10
  the
• 2:10
  easiest
• 2:11
  way
• 2:11
  to
• 2:11
  map
• 2:12
  everything
• 2:12
  out
• 2:12
  so
• 2:12
  I
• 2:12
  stop
• 2:13
  getting
• 2:13
  blindsided?
• 2:14
  I
• 2:15
  need
• 2:15
  control
• 2:16
  back.
• 2:17
  What
• 2:17
  a
• 2:17
  great
• 2:17
  question.
• 2:18
  And
• 2:19
  you
• 2:19
  know
• 2:19
  what?
• 2:19
  I
• 2:19
  think
• 2:19
  Back
• 2:20
  to
• 2:20
  my
• 2:20
  53
• 2:21
  years
• 2:21
  on
• 2:21
  the
• 2:21
  planet,
• 2:22
  I
• 2:22
  don't
• 2:22
  know
• 2:22
  how
• 2:22
  many
• 2:23
  times
• 2:23
  I've
• 2:24
  been
• 2:24
  blindsided
• 2:25
  the
• 2:25
  same
• 2:25
  way
• 2:25
  you
• 2:26
  have.
• 2:26
  So
• 2:26
  thank
• 2:26
  you
• 2:26
  so
• 2:26
  much
• 2:27
  for
• 2:27
  sharing
• 2:27
  that
• 2:27
  question.
• 2:28
  And
• 2:28
  here's
• 2:29
  the
• 2:29
  thing.
• 2:29
  I
• 2:29
  want
• 2:29
  to
• 2:29
  start
• 2:29
  off
• 2:30
  with
• 2:30
  today's
• 2:30
  big
• 2:31
  idea.
• 2:32
  You
• 2:32
  don't
• 2:32
  need
• 2:32
  more
• 2:33
  money.
• 2:33
  First,
• 2:34
  you're
• 2:34
  sure
• 2:35
  that
• 2:35
  would
• 2:35
  help
• 2:35
  in
• 2:35
  the
• 2:35
  long
• 2:35
  run.
• 2:36
  What
• 2:36
  you
• 2:37
  really
• 2:37
  need
• 2:37
  right
• 2:37
  now
• 2:38
  is
• 2:38
  what
• 2:38
  I
• 2:38
  call
• 2:39
  a
• 2:39
  simple
• 2:39
  bill
• 2:40
  map.
• 2:41
  Because
• 2:41
  what
• 2:41
  you're
• 2:42
  feeling
• 2:42
  is
• 2:42
  very
• 2:42
  normal.
• 2:43
  Due
• 2:44
  dates
• 2:44
  are
• 2:44
  scattered
• 2:45
  all
• 2:45
  over
• 2:45
  the
• 2:45
  place.
• 2:45
  And
• 2:45
  listen,
• 2:46
  the
• 2:46
  more
• 2:46
  bills
• 2:46
  you
• 2:46
  have,
• 2:47
  the
• 2:47
  more
• 2:47
  scattered
• 2:48
  it
• 2:48
  feels.
• 2:49
  And
• 2:49
  when
• 2:49
  you're
• 2:49
  living
• 2:50
  in
• 2:50
  that,
• 2:50
  it
• 2:50
  feels
• 2:50
  like
• 2:51
  financial
• 2:51
  chaos,
• 2:52
  doesn't
• 2:52
  it?
• 2:53
  So
• 2:53
  here's
• 2:54
  what
• 2:54
  we're
• 2:54
  going
• 2:54
  to
• 2:54
  do.
• 2:54
  I'm
• 2:55
  going
• 2:55
  to
• 2:55
  help
• 2:55
  you
• 2:55
  today
• 2:55
  build
• 2:56
  what
• 2:56
  I
• 2:56
  call
• 2:56
  a
• 2:56
  one
• 2:57
  page
• 2:57
  bill
• 2:57
  map.
• 2:58
  Now,
• 2:58
  this
• 2:58
  isn't
• 2:58
  some
• 2:59
  complicated
• 2:59
  budgeting
• 3:00
  app,
• 3:01
  just
• 3:01
  clarity
• 3:01
  in
• 3:02
  what
• 3:02
  you're
• 3:02
  doing.
• 3:03
  So
• 3:03
  here's
• 3:03
  the
• 3:03
  way
• 3:03
  you
• 3:04
  do
• 3:04
  it.
• 3:04
  We're
• 3:04
  going
• 3:04
  to
• 3:04
  start
• 3:04
  with
• 3:04
  step
• 3:05
  one.
• 3:05
  I
• 3:06
  want
• 3:06
  you
• 3:06
  to
• 3:06
  make
• 3:06
  one
• 3:07
  list
• 3:07
  of
• 3:07
  every
• 3:07
  single
• 3:08
  bill
• 3:08
  you
• 3:08
  have.
• 3:09
  Now,
• 3:09
  you
• 3:09
  might
• 3:09
  say,
• 3:09
  ralph,
• 3:10
  where
• 3:10
  do
• 3:10
  I
• 3:10
  get
• 3:10
  that
• 3:10
  information?
• 3:11
  If
• 3:12
  you've
• 3:12
  got
• 3:12
  a
• 3:12
  bank
• 3:12
  app,
• 3:13
  that's
• 3:13
  a
• 3:13
  great
• 3:13
  place
• 3:14
  to
• 3:14
  start.
• 3:14
  Or
• 3:15
  maybe
• 3:15
  your
• 3:15
  email,
• 3:16
  or
• 3:16
  maybe
• 3:16
  you've
• 3:17
  got
• 3:17
  an
• 3:17
  Auto
• 3:17
  pay
• 3:18
  list.
• 3:18
  And
• 3:19
  what
• 3:19
  I
• 3:19
  want
• 3:19
  you
• 3:19
  to
• 3:19
  do
• 3:19
  is
• 3:20
  write
• 3:20
  each
• 3:20
  of
• 3:21
  those
• 3:21
  things
• 3:21
  down.
• 3:21
  For
• 3:22
  example,
• 3:22
  your
• 3:22
  rent
• 3:23
  or
• 3:23
  mortgage,
• 3:24
  your
• 3:24
  utilities,
• 3:25
  your
• 3:26
  telephone,
• 3:27
  your
• 3:27
  Internet,
• 3:28
  any
• 3:28
  insurance
• 3:29
  payment
• 3:29
  you
• 3:29
  make
• 3:30
  that
• 3:30
  car
• 3:30
  payment,
• 3:31
  any
• 3:32
  subscriptions
• 3:32
  you
• 3:32
  have,
• 3:33
  and
• 3:33
  those
• 3:34
  credit
• 3:34
  cards,
• 3:34
  anything
• 3:35
  that
• 3:35
  gets
• 3:35
  paid
• 3:36
  money
• 3:36
  automatically.
• 3:38
  If
• 3:38
  the
• 3:38
  money
• 3:39
  comes
• 3:39
  out,
• 3:39
  it
• 3:39
  goes
• 3:40
  on
• 3:40
  the
• 3:40
  list.
• 3:40
  Now,
• 3:40
  we're
• 3:41
  doing
• 3:41
  this
• 3:41
  not
• 3:41
  to
• 3:41
  shame
• 3:42
  you.
• 3:42
  You
• 3:42
  just
• 3:43
  need
• 3:43
  to
• 3:43
  have
• 3:43
  clarity
• 3:44
  and
• 3:44
  you
• 3:44
  need
• 3:44
  to
• 3:45
  be
• 3:45
  able
• 3:45
  to
• 3:45
  see
• 3:45
  that.
• 3:45
  So
• 3:46
  start
• 3:46
  with
• 3:46
  that.
• 3:46
  Put
• 3:47
  that
• 3:47
  list
• 3:47
  together.
• 3:48
  Second
• 3:48
  thing
• 3:49
  I
• 3:49
  want
• 3:49
  you
• 3:49
  to
• 3:49
  do
• 3:50
  is
• 3:50
  add
• 3:50
  two
• 3:51
  details
• 3:51
  for
• 3:52
  each
• 3:52
  bill.
• 3:52
  For
• 3:53
  every
• 3:53
  item,
• 3:54
  I
• 3:54
  want
• 3:54
  you
• 3:55
  to
• 3:55
  write
• 3:55
  down
• 3:55
  the
• 3:55
  due
• 3:56
  date
• 3:56
  and
• 3:56
  the
• 3:56
  amount.
• 3:57
  Now,
• 3:57
  if
• 3:57
  the
• 3:57
  amount
• 3:58
  changes,
• 3:58
  which,
• 3:58
  hey,
• 3:59
  some
• 3:59
  of
• 3:59
  our
• 3:59
  bills
• 3:59
  change
• 3:59
  from
• 4:00
  month
• 4:00
  to
• 4:00
  month,
• 4:01
  write
• 4:01
  the
• 4:01
  usual
• 4:01
  range.
• 4:02
  For
• 4:02
  example,
• 4:02
  you
• 4:03
  might
• 4:03
  be
• 4:03
  saying,
• 4:03
  ralph,
• 4:03
  wait
• 4:03
  a
• 4:04
  minute,
• 4:04
  my
• 4:04
  electric
• 4:04
  bill,
• 4:05
  it's
• 4:05
  due
• 4:05
  the
• 4:06
  18th,
• 4:06
  but
• 4:07
  in
• 4:07
  the
• 4:07
  winter
• 4:07
  months,
• 4:08
  it's
• 4:08
  less.
• 4:08
  In
• 4:09
  the
• 4:09
  summer
• 4:09
  months,
• 4:09
  it's
• 4:10
  more.
• 4:10
  So
• 4:10
  put
• 4:11
  a
• 4:11
  range
• 4:11
  in
• 4:11
  there.
• 4:11
  Maybe
• 4:12
  you
• 4:12
  say
• 4:12
  120
• 4:13
  to
• 4:13
  $180.
• 4:14
  I
• 4:14
  was
• 4:14
  with
• 4:14
  my
• 4:15
  son
• 4:15
  for
• 4:15
  dinner
• 4:15
  last
• 4:16
  night,
• 4:16
  and
• 4:16
  he
• 4:16
  said,
• 4:16
  dad,
• 4:16
  I'm
• 4:17
  so
• 4:17
  excited.
• 4:17
  My,
• 4:18
  my
• 4:18
  electric
• 4:18
  bill
• 4:18
  last
• 4:19
  month
• 4:19
  was
• 4:19
  almost
• 4:20
  $20
• 4:21
  less.
• 4:21
  And
• 4:21
  I
• 4:21
  said,
• 4:22
  well,
• 4:22
  it
• 4:22
  was
• 4:22
  February.
• 4:23
  February
• 4:23
  had
• 4:24
  less
• 4:24
  dates,
• 4:25
  and
• 4:25
  he
• 4:25
  didn't
• 4:25
  have
• 4:25
  his
• 4:26
  air
• 4:26
  conditioning
• 4:26
  running.
• 4:27
  But
• 4:27
  that
• 4:27
  creates
• 4:27
  that
• 4:27
  map.
• 4:28
  And
• 4:28
  when
• 4:29
  you
• 4:29
  have
• 4:29
  that
• 4:29
  map,
• 4:30
  it
• 4:30
  reduces
• 4:31
  that
• 4:31
  panic.
• 4:31
  Now,
• 4:32
  here's
• 4:32
  the
• 4:32
  next
• 4:32
  thing
• 4:33
  I
• 4:33
  want
• 4:33
  you
• 4:33
  to
• 4:33
  do.
• 4:34
  I
• 4:34
  want
• 4:34
  you
• 4:34
  to
• 4:34
  turn
• 4:35
  the
• 4:35
  month
• 4:35
  into
• 4:36
  two
• 4:36
  pay
• 4:36
  periods.
• 4:37
  The
• 4:37
  truth
• 4:38
  is,
• 4:38
  most
• 4:38
  people
• 4:38
  get
• 4:39
  paid
• 4:39
  either
• 4:39
  weekly,
• 4:40
  bi
• 4:40
  weekly,
• 4:41
  or
• 4:41
  twice
• 4:41
  a
• 4:42
  month.
• 4:42
  Now,
• 4:42
  I
• 4:42
  had
• 4:42
  a
• 4:42
  job
• 4:43
  at
• 4:43
  one
• 4:43
  point
• 4:44
  getting
• 4:44
  paid
• 4:44
  once
• 4:45
  a
• 4:45
  month,
• 4:45
  trying
• 4:45
  to
• 4:45
  budget.
• 4:46
  Man,
• 4:46
  that
• 4:46
  was
• 4:46
  hard.
• 4:47
  So
• 4:47
  you
• 4:48
  can't
• 4:48
  plan
• 4:48
  your
• 4:49
  by
• 4:49
  months
• 4:50
  when
• 4:50
  you're
• 4:51
  planning
• 4:51
  bills.
• 4:51
  I
• 4:52
  say
• 4:52
  plan
• 4:52
  by
• 4:53
  the
• 4:53
  paychecks.
• 4:54
  So
• 4:55
  if
• 4:55
  you
• 4:55
  get
• 4:55
  paid
• 4:55
  bi
• 4:56
  weekly,
• 4:56
  draw
• 4:57
  two
• 4:57
  columns
• 4:58
  and
• 4:58
  think
• 4:58
  about
• 4:59
  it
• 4:59
  in
• 4:59
  terms
• 4:59
  of
• 5:00
  paycheck
• 5:00
  number
• 5:00
  one
• 5:01
  covers
• 5:01
  these
• 5:02
  bills.
• 5:03
  Paycheck
• 5:03
  number
• 5:03
  two
• 5:04
  covers
• 5:04
  these
• 5:04
  bills
• 5:05
  or
• 5:05
  these
• 5:05
  dates.
• 5:06
  And
• 5:06
  then
• 5:06
  what
• 5:06
  I
• 5:07
  want
• 5:07
  you
• 5:07
  to
• 5:07
  do,
• 5:07
  once
• 5:07
  you've
• 5:07
  got
• 5:07
  those
• 5:08
  columns.
• 5:08
  Now,
• 5:08
  if
• 5:08
  you've
• 5:09
  got
• 5:09
  four
• 5:09
  paychecks,
• 5:10
  you.
• 5:10
  You
• 5:10
  could
• 5:10
  do
• 5:10
  four
• 5:11
  columns,
• 5:12
  but
• 5:12
  place
• 5:12
  each
• 5:12
  bill
• 5:13
  under
• 5:13
  the
• 5:13
  column
• 5:14
  where
• 5:14
  it's
• 5:14
  due,
• 5:15
  because
• 5:15
  once
• 5:15
  you
• 5:16
  do
• 5:16
  that,
• 5:16
  you're
• 5:16
  going
• 5:16
  to
• 5:17
  start
• 5:17
  to
• 5:17
  gain
• 5:17
  control
• 5:18
  again
• 5:19
  because
• 5:19
  you
• 5:19
  can
• 5:19
  see
• 5:20
  what
• 5:20
  each
• 5:20
  paycheck
• 5:21
  is
• 5:21
  responsible
• 5:22
  for.
• 5:23
  Now,
• 5:23
  all
• 5:23
  those
• 5:23
  things
• 5:24
  are
• 5:24
  great.
• 5:24
  Here's
• 5:25
  another
• 5:25
  pro
• 5:25
  tip.
• 5:26
  Create
• 5:27
  one
• 5:27
  bills
• 5:27
  buffer
• 5:28
  inside
• 5:28
  of
• 5:28
  your
• 5:29
  checking
• 5:29
  account.
• 5:30
  This
• 5:30
  is
• 5:30
  the
• 5:30
  simplest
• 5:31
  protection
• 5:31
  you
• 5:32
  can
• 5:32
  build.
• 5:32
  Just
• 5:33
  pick
• 5:33
  25,
• 5:34
  50,
• 5:34
  or
• 5:35
  $100
• 5:36
  and
• 5:36
  label
• 5:37
  it
• 5:37
  your
• 5:37
  bills
• 5:38
  buffer.
• 5:38
  Do
• 5:38
  not
• 5:38
  touch.
• 5:39
  This
• 5:39
  is
• 5:39
  the
• 5:39
  money
• 5:40
  that's
• 5:40
  out
• 5:40
  there
• 5:40
  for
• 5:41
  surprises.
• 5:42
  This
• 5:42
  way,
• 5:42
  if
• 5:42
  You've
• 5:43
  got
• 5:43
  that
• 5:43
  bill
• 5:43
  you
• 5:43
  weren't
• 5:44
  expecting.
• 5:44
  Like
• 5:44
  when
• 5:45
  my
• 5:45
  son
• 5:45
  kicks
• 5:45
  the
• 5:46
  electric
• 5:46
  on
• 5:46
  in
• 5:46
  the
• 5:46
  summer,
• 5:47
  his
• 5:47
  electric
• 5:48
  bill
• 5:48
  might
• 5:48
  go
• 5:48
  up
• 5:48
  a
• 5:48
  little
• 5:49
  bit.
• 5:49
  That
• 5:50
  handles
• 5:50
  that.
• 5:51
  Or
• 5:51
  maybe
• 5:51
  you've
• 5:51
  got
• 5:51
  a
• 5:51
  due
• 5:51
  date
• 5:52
  that
• 5:52
  you
• 5:52
  missed.
• 5:52
  Or
• 5:52
  there's
• 5:53
  just
• 5:53
  a
• 5:53
  timing
• 5:53
  issue.
• 5:54
  It's
• 5:55
  not
• 5:55
  about
• 5:55
  wealth.
• 5:56
  It's
• 5:56
  about
• 5:57
  building
• 5:57
  some
• 5:57
  breathing
• 5:58
  room.
• 5:59
  And
• 5:59
  here's
• 5:59
  my
• 5:59
  final
• 6:00
  tip
• 6:00
  for
• 6:00
  today.
• 6:01
  Set
• 6:01
  two
• 6:02
  reminders,
• 6:03
  not
• 6:03
  12.
• 6:04
  A
• 6:04
  lot
• 6:05
  of
• 6:05
  people
• 6:05
  do
• 6:05
  this.
• 6:05
  They
• 6:05
  have
• 6:06
  a
• 6:06
  reminder
• 6:06
  for
• 6:06
  every
• 6:07
  single
• 6:07
  bill.
• 6:07
  And
• 6:07
  what
• 6:07
  happens
• 6:08
  when
• 6:08
  you
• 6:08
  do
• 6:08
  that?
• 6:09
  You
• 6:09
  just
• 6:09
  tune
• 6:10
  them
• 6:10
  out.
• 6:11
  Just
• 6:11
  put
• 6:11
  in
• 6:11
  two
• 6:11
  reminders
• 6:12
  if
• 6:12
  you
• 6:12
  get
• 6:12
  paid
• 6:13
  on
• 6:13
  the
• 6:13
  1st
• 6:13
  and
• 6:13
  the
• 6:13
  15th,
• 6:14
  then
• 6:14
  put
• 6:14
  in
• 6:15
  two
• 6:15
  money
• 6:15
  check
• 6:15
  in
• 6:16
  reminders,
• 6:16
  one
• 6:17
  for
• 6:17
  the
• 6:17
  1st
• 6:18
  and
• 6:18
  one
• 6:18
  for
• 6:18
  the
• 6:18
  15th.
• 6:19
  And
• 6:20
  all
• 6:20
  you
• 6:20
  got
• 6:20
  to
• 6:20
  do
• 6:20
  is
• 6:20
  remind
• 6:21
  yourself,
• 6:21
  hey,
• 6:21
  check
• 6:22
  my
• 6:22
  bill
• 6:22
  map
• 6:23
  what's
• 6:23
  due
• 6:23
  before
• 6:24
  the
• 6:24
  next
• 6:24
  payday.
• 6:25
  And
• 6:25
  that
• 6:26
  keeps
• 6:26
  you
• 6:26
  out
• 6:26
  of
• 6:26
  reaction
• 6:27
  mode
• 6:27
  without
• 6:28
  living
• 6:28
  on
• 6:28
  your
• 6:28
  phone
• 6:29
  all
• 6:29
  the
• 6:29
  time.
• 6:30
  And
• 6:30
  see,
• 6:31
  here's
• 6:31
  the
• 6:31
  thing.
• 6:31
  I
• 6:31
  want
• 6:31
  to
• 6:31
  encourage
• 6:32
  you
• 6:32
  with
• 6:32
  that
• 6:33
  clarity,
• 6:33
  and
• 6:34
  that's
• 6:34
  really
• 6:34
  what
• 6:34
  we're
• 6:34
  talking
• 6:34
  about
• 6:35
  building
• 6:35
  today,
• 6:35
  is
• 6:35
  clarity.
• 6:36
  That
• 6:37
  clarity
• 6:37
  turns
• 6:37
  chaos
• 6:38
  into
• 6:38
  comp.
• 6:39
  So
• 6:40
  here's
• 6:40
  your
• 6:40
  one
• 6:41
  win
• 6:41
  for
• 6:41
  today.
• 6:42
  I
• 6:42
  want
• 6:42
  you
• 6:42
  to
• 6:42
  go
• 6:42
  ahead
• 6:42
  and
• 6:43
  make
• 6:43
  that
• 6:43
  one
• 6:43
  page
• 6:44
  bill
• 6:44
  map.
• 6:44
  And
• 6:44
  like
• 6:45
  I
• 6:45
  said,
• 6:45
  just
• 6:45
  three
• 6:45
  things
• 6:46
  on
• 6:46
  it.
• 6:46
  The
• 6:47
  bill,
• 6:47
  name
• 6:47
  the
• 6:48
  due
• 6:48
  date
• 6:48
  and
• 6:49
  the
• 6:49
  amount.
• 6:49
  And
• 6:50
  then
• 6:50
  split
• 6:50
  it
• 6:50
  into
• 6:51
  that
• 6:51
  columns
• 6:51
  based
• 6:52
  on
• 6:52
  the
• 6:52
  number
• 6:52
  of
• 6:53
  paychecks
• 6:53
  you
• 6:53
  have.
• 6:53
  That's
• 6:54
  it.
• 6:54
  You
• 6:54
  don't
• 6:55
  need
• 6:55
  to
• 6:55
  fix
• 6:55
  your
• 6:55
  whole
• 6:55
  budget
• 6:56
  today.
• 6:56
  You.
• 6:56
  You
• 6:57
  just
• 6:57
  need
• 6:57
  to
• 6:57
  stop
• 6:58
  getting
• 6:58
  surprised.
• 6:59
  Well,
• 6:59
  let's
• 7:00
  get
• 7:00
  into
• 7:00
  our
• 7:00
  Bible
• 7:00
  verse
• 7:01
  for
• 7:01
  today.
• 7:01
  It
• 7:01
  comes
• 7:01
  to
• 7:02
  us
• 7:02
  from
• 7:02
  the
• 7:02
  book
• 7:02
  of
• 7:02
  Proverbs,
• 7:03
  chapter
• 7:03
  27,
• 7:04
  verse
• 7:05
  23.
• 7:06
  It
• 7:06
  says
• 7:06
  this.
• 7:07
  Be
• 7:07
  sure
• 7:08
  to
• 7:08
  know
• 7:08
  the
• 7:08
  condition
• 7:08
  of
• 7:09
  your
• 7:09
  flocks.
• 7:10
  Give
• 7:10
  careful
• 7:11
  attention
• 7:11
  to
• 7:11
  your
• 7:11
  herds.
• 7:13
  And
• 7:13
  see
• 7:13
  God's
• 7:13
  wisdom
• 7:14
  is
• 7:14
  calling
• 7:14
  us
• 7:15
  to
• 7:15
  pay
• 7:15
  attention
• 7:16
  because
• 7:16
  what
• 7:17
  we
• 7:17
  track
• 7:18
  helps
• 7:18
  us
• 7:18
  to
• 7:18
  be
• 7:19
  led.
• 7:19
  How
• 7:19
  about
• 7:19
  we
• 7:20
  pray
• 7:20
  together
• 7:20
  right
• 7:20
  now?
• 7:21
  Father
• 7:22
  God,
• 7:22
  we
• 7:22
  just
• 7:22
  want
• 7:22
  to
• 7:23
  thank
• 7:23
  you
• 7:23
  that
• 7:23
  you're
• 7:24
  not
• 7:24
  a
• 7:24
  God
• 7:24
  of
• 7:24
  confusion.
• 7:25
  You
• 7:26
  see
• 7:26
  the
• 7:26
  stress
• 7:27
  and
• 7:27
  you
• 7:27
  see
• 7:27
  the
• 7:27
  scramble
• 7:28
  in
• 7:28
  our
• 7:28
  lives
• 7:28
  and
• 7:29
  that
• 7:29
  feeling
• 7:29
  of
• 7:30
  being
• 7:30
  blindsided.
• 7:31
  I
• 7:31
  ask
• 7:32
  you,
• 7:32
  give
• 7:32
  my
• 7:32
  friend
• 7:32
  listening
• 7:33
  today
• 7:33
  peace,
• 7:33
  Lord.
• 7:34
  Just
• 7:34
  not
• 7:34
  just
• 7:35
  emotional
• 7:35
  peace,
• 7:35
  but
• 7:36
  practical
• 7:36
  peace.
• 7:37
  Help
• 7:38
  them
• 7:38
  take
• 7:38
  just
• 7:38
  one
• 7:39
  step
• 7:39
  today
• 7:39
  towards
• 7:40
  clarity.
• 7:41
  Give
• 7:41
  them
• 7:41
  patience
• 7:42
  to
• 7:42
  list
• 7:42
  the
• 7:42
  bills.
• 7:43
  Give
• 7:43
  them
• 7:44
  courage
• 7:44
  to
• 7:44
  look
• 7:44
  at
• 7:44
  the
• 7:45
  numbers.
• 7:45
  And
• 7:46
  Lord,
• 7:46
  give
• 7:46
  them
• 7:46
  strength
• 7:47
  to
• 7:47
  build
• 7:47
  a
• 7:47
  simple
• 7:48
  system
• 7:48
  that
• 7:48
  they
• 7:48
  can
• 7:49
  use.
• 7:50
  As
• 7:50
  always,
• 7:50
  Lord,
• 7:50
  we
• 7:50
  ask
• 7:50
  that
• 7:51
  you
• 7:51
  will
• 7:51
  provide
• 7:51
  for
• 7:51
  our
• 7:52
  needs
• 7:53
  and
• 7:53
  remind
• 7:53
  us
• 7:54
  always
• 7:55
  that
• 7:55
  we're
• 7:55
  not
• 7:55
  alone
• 7:56
  in
• 7:56
  any
• 7:56
  of
• 7:56
  this.
• 7:57
  And
• 7:57
  we
• 7:58
  ask
• 7:58
  this
• 7:58
  in
• 7:58
  Jesus
• 7:59
  name,
• 8:00
  Amen.
• 8:02
  Friends,
• 8:02
  you're
• 8:02
  not
• 8:03
  behind
• 8:03
  because
• 8:03
  you're
• 8:04
  broken.
• 8:05
  You're
• 8:05
  behind
• 8:05
  because
• 8:06
  you
• 8:06
  need
• 8:06
  a
• 8:06
  map.
• 8:07
  So
• 8:07
  go
• 8:08
  put
• 8:08
  that
• 8:08
  map
• 8:08
  together.
• 8:09
  And
• 8:09
  if
• 8:09
  you've
• 8:10
  got
• 8:10
  a
• 8:10
  question
• 8:10
  for
• 8:10
  this
• 8:10
  show,
• 8:11
  I
• 8:11
  would
• 8:11
  love
• 8:11
  to
• 8:11
  hear
• 8:12
  it.
• 8:12
  You
• 8:12
  go
• 8:12
  to
• 8:12
  financiallyconfidentChristian.com/question.
• 8:17
  We'll
• 8:17
  put
• 8:18
  that
• 8:18
  in
• 8:18
  the
• 8:18
  show
• 8:18
  notes.
• 8:18
  But
• 8:19
  I
• 8:19
  want
• 8:19
  to
• 8:19
  give
• 8:19
  it
• 8:19
  to
• 8:19
  you
• 8:19
  one
• 8:19
  more
• 8:20
  time.
• 8:20
  It's
• 8:21
  financially
• 8:22
  confidentchristian.com/question
• 8:26
  you
• 8:26
  can
• 8:26
  leave
• 8:27
  your
• 8:27
  question
• 8:27
  or
• 8:27
  listen
• 8:28
  to
• 8:28
  this
• 8:28
  one.
• 8:28
  You
• 8:28
  can
• 8:28
  also
• 8:29
  leave
• 8:29
  us
• 8:29
  a
• 8:29
  voicemail.
• 8:30
  I'd
• 8:30
  love
• 8:30
  to
• 8:30
  hear
• 8:30
  your
• 8:31
  voice.
• 8:31
  You
• 8:32
  do
• 8:32
  that
• 8:32
  by
• 8:32
  going
• 8:32
  to
• 8:33
  FinanciallyConfidentChristian.com/voicemail
• 8:37
  real
• 8:37
  simple.
• 8:38
  Just
• 8:38
  FinanciallyConfidentChristian.com/voicemail.
• 8:40
  Well,
• 8:41
  thank
• 8:43
  somuch
• 8:43
  forjoiningmetoday.AsIalwayssay,
• 8:46
  stayfinanciallysavvy.MayGodblessyou.
• 8:48
  And
• 8:49
  you
• 8:49
  havea
• 8:50
  greatday
• 8:50
  today.