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How Can I Find True Contentment During the Holidays Without Overspending? · Becoming Financially Confident

• 0:37
  Hey,
• 0:38
  the
• 0:38
  holidays
• 0:38
  are
• 0:38
  coming
• 0:39
  fast
• 0:39
  and
• 0:40
  for
• 0:40
  a
• 0:40
  lot
• 0:40
  of
• 0:40
  us
• 0:40
  that
• 0:41
  means
• 0:41
  pressure.
• 0:41
  I'm
• 0:42
  talking
• 0:42
  about
• 0:42
  pressure
• 0:43
  to
• 0:43
  spend,
• 0:43
  pressure
• 0:44
  to
• 0:44
  impress.
• 0:45
  And
• 0:45
  that
• 0:46
  pressure
• 0:46
  for
• 0:46
  being
• 0:46
  honest
• 0:47
  with
• 0:47
  ourselves
• 0:47
  leads
• 0:48
  to
• 0:48
  debt.
• 0:49
  And
• 0:49
  for
• 0:49
  many
• 0:49
  of
• 0:50
  us
• 0:50
  it
• 0:50
  leads
• 0:50
  to
• 0:51
  regret.
• 0:51
  But
• 0:52
  here's
• 0:52
  the
• 0:52
  truth
• 0:52
  I
• 0:52
  want
• 0:53
  to
• 0:53
  share
• 0:53
  today.
• 0:53
  You
• 0:54
  don't
• 0:54
  have
• 0:54
  to
• 0:55
  overspend
• 0:55
  for
• 0:55
  a
• 0:56
  meaningful,
• 0:56
  joy
• 0:56
  filled
• 0:57
  holiday.
• 0:57
  And
• 0:58
  I'm
• 0:58
  going
• 0:58
  to
• 0:58
  share
• 0:58
  exactly
• 0:59
  how
• 0:59
  to
• 0:59
  do
• 0:59
  that
• 1:00
  on
• 1:00
  today's
• 1:00
  show.
• 1:00
  And
• 1:01
  no,
• 1:01
  it's
• 1:02
  not
• 1:02
  Christmas
• 1:02
  in
• 1:03
  July,
• 1:03
  it's
• 1:04
  Christmas
• 1:04
  in
• 1:04
  August.
• 1:07
  This
• 1:07
  is
• 1:07
  Financially
• 1:08
  Confident
• 1:08
  Christian.
• 1:09
  Your
• 1:10
  daily
• 1:10
  dose
• 1:10
  of
• 1:10
  gospel,
• 1:11
  grounded
• 1:11
  insight
• 1:12
  and
• 1:12
  faith
• 1:12
  driven
• 1:13
  tips
• 1:13
  to
• 1:13
  help
• 1:14
  you
• 1:14
  break
• 1:14
  the
• 1:14
  cycle
• 1:14
  of
• 1:15
  financial
• 1:15
  shame
• 1:15
  with
• 1:16
  confidence.
• 1:20
  Hey
• 1:20
  there.
• 1:21
  Welcome
• 1:21
  back
• 1:21
  to
• 1:21
  the
• 1:21
  show.
• 1:22
  I'm
• 1:22
  Ralph
• 1:22
  and
• 1:22
  I
• 1:22
  just
• 1:22
  want
• 1:23
  to
• 1:23
  thank
• 1:23
  you
• 1:23
  so
• 1:23
  much
• 1:23
  for
• 1:23
  joining
• 1:24
  me
• 1:24
  today.
• 1:24
  It
• 1:24
  is
• 1:24
  so
• 1:25
  great
• 1:25
  that
• 1:25
  you
• 1:25
  come
• 1:26
  by,
• 1:26
  just
• 1:26
  give
• 1:26
  me
• 1:26
  a
• 1:26
  little
• 1:26
  bit
• 1:27
  of
• 1:27
  your
• 1:27
  time
• 1:27
  every
• 1:27
  day.
• 1:28
  And
• 1:28
  this
• 1:28
  is
• 1:28
  the
• 1:29
  show
• 1:29
  where
• 1:29
  my
• 1:29
  goal
• 1:30
  is
• 1:30
  to
• 1:30
  every
• 1:30
  day
• 1:31
  give
• 1:31
  you
• 1:31
  the
• 1:31
  tools
• 1:31
  to
• 1:32
  equip
• 1:32
  you
• 1:32
  to
• 1:33
  how
• 1:33
  to
• 1:33
  become
• 1:33
  a
• 1:34
  financially
• 1:34
  confident
• 1:35
  Christian.
• 1:35
  Now
• 1:36
  if
• 1:36
  you
• 1:36
  missed
• 1:36
  yesterday's
• 1:37
  show,
• 1:37
  we
• 1:37
  talked
• 1:38
  about
• 1:38
  reviewing
• 1:38
  your
• 1:38
  giving
• 1:39
  strategy
• 1:39
  for
• 1:40
  year
• 1:40
  end
• 1:40
  impact
• 1:41
  and
• 1:41
  ensuring
• 1:42
  your
• 1:42
  generosity
• 1:43
  aligns
• 1:43
  with
• 1:43
  your
• 1:43
  values.
• 1:44
  Well,
• 1:45
  today
• 1:45
  we're
• 1:45
  going
• 1:45
  to
• 1:45
  do
• 1:45
  something
• 1:46
  completely
• 1:46
  different.
• 1:47
  You
• 1:47
  probably
• 1:47
  thought
• 1:47
  Ralph
• 1:48
  has
• 1:48
  lost
• 1:48
  his
• 1:48
  mind,
• 1:49
  but
• 1:49
  today
• 1:49
  I
• 1:50
  want
• 1:50
  to
• 1:50
  talk
• 1:50
  about
• 1:50
  how
• 1:50
  to
• 1:51
  find
• 1:51
  holiday
• 1:51
  joy
• 1:52
  without
• 1:52
  overspending
• 1:53
  for
• 1:53
  the
• 1:53
  holiday.
• 1:55
  Because
• 1:55
  here's
• 1:55
  the
• 1:55
  thing,
• 1:56
  the
• 1:56
  holidays
• 1:57
  are
• 1:57
  a
• 1:57
  few
• 1:57
  months
• 1:57
  away.
• 1:58
  But
• 1:58
  I
• 1:59
  thought
• 1:59
  this
• 1:59
  was
• 1:59
  a
• 1:59
  great
• 1:59
  time
• 2:00
  to
• 2:00
  start
• 2:00
  talking
• 2:00
  about
• 2:00
  this.
• 2:01
  Because
• 2:01
  here's
• 2:01
  the
• 2:01
  truth.
• 2:02
  You
• 2:02
  don't
• 2:02
  have
• 2:03
  to
• 2:03
  overspend
• 2:03
  to
• 2:03
  have
• 2:04
  a
• 2:04
  meaningful
• 2:05
  and
• 2:05
  joy
• 2:05
  filled
• 2:06
  holiday.
• 2:06
  You
• 2:07
  might
• 2:07
  be
• 2:07
  saying,
• 2:07
  Ralph,
• 2:08
  wait
• 2:08
  a
• 2:08
  second,
• 2:08
  what
• 2:09
  are
• 2:09
  you
• 2:09
  really
• 2:09
  getting
• 2:09
  at?
• 2:10
  Well,
• 2:10
  today
• 2:10
  I'm
• 2:11
  getting
• 2:11
  at
• 2:11
  something
• 2:11
  I'm
• 2:11
  going
• 2:12
  to
• 2:12
  call
• 2:12
  true
• 2:12
  contentment.
• 2:13
  And
• 2:13
  true
• 2:14
  contentment
• 2:14
  is
• 2:14
  what
• 2:15
  we
• 2:15
  all
• 2:15
  really
• 2:15
  want
• 2:15
  to
• 2:16
  be.
• 2:16
  That's
• 2:16
  what
• 2:16
  we
• 2:16
  all
• 2:17
  want
• 2:17
  to
• 2:17
  emulate
• 2:18
  to
• 2:18
  really
• 2:18
  be
• 2:19
  a
• 2:19
  confident
• 2:19
  Christian.
• 2:20
  What
• 2:21
  we
• 2:21
  really
• 2:21
  want
• 2:21
  to
• 2:21
  find
• 2:22
  is
• 2:22
  contentment.
• 2:23
  And
• 2:23
  if
• 2:23
  we're
• 2:23
  going
• 2:24
  to
• 2:24
  think
• 2:24
  about
• 2:24
  contentment
• 2:25
  in
• 2:25
  terms
• 2:25
  of
• 2:25
  the
• 2:26
  holiday
• 2:26
  season,
• 2:27
  we
• 2:27
  really
• 2:27
  need
• 2:27
  to
• 2:27
  start
• 2:28
  thinking
• 2:28
  about
• 2:28
  aligning
• 2:29
  our
• 2:29
  season
• 2:29
  with
• 2:30
  the
• 2:30
  things
• 2:30
  that
• 2:30
  matter
• 2:31
  the
• 2:31
  most
• 2:31
  to
• 2:31
  us.
• 2:32
  Those
• 2:32
  are
• 2:32
  things
• 2:33
  like
• 2:33
  your
• 2:33
  faith.
• 2:33
  Hey,
• 2:34
  for
• 2:34
  many
• 2:34
  of
• 2:34
  us,
• 2:35
  our
• 2:35
  faith
• 2:35
  is
• 2:35
  at
• 2:36
  the
• 2:36
  center
• 2:36
  of
• 2:36
  this
• 2:37
  and
• 2:37
  the
• 2:37
  Christmas
• 2:38
  holiday.
• 2:38
  Hey,
• 2:39
  that's
• 2:39
  all
• 2:39
  about
• 2:39
  faith.
• 2:40
  Which
• 2:41
  leads
• 2:41
  us
• 2:41
  to
• 2:41
  your
• 2:42
  values.
• 2:42
  Hey,
• 2:43
  as
• 2:43
  we're
• 2:43
  planning
• 2:44
  for
• 2:44
  the
• 2:44
  holidays,
• 2:45
  we
• 2:45
  really
• 2:45
  want
• 2:46
  to
• 2:46
  reinforce
• 2:47
  our
• 2:47
  values.
• 2:48
  That's
• 2:48
  what
• 2:48
  makes
• 2:48
  us
• 2:48
  who
• 2:49
  we
• 2:49
  are.
• 2:49
  That's
• 2:49
  what
• 2:50
  makes
• 2:50
  us
• 2:50
  want
• 2:50
  to
• 2:50
  get
• 2:50
  up
• 2:51
  in
• 2:51
  the
• 2:51
  morning
• 2:51
  and
• 2:51
  do
• 2:52
  the
• 2:52
  things
• 2:52
  that
• 2:52
  are
• 2:52
  important
• 2:53
  to
• 2:53
  us.
• 2:54
  And
• 2:54
  last,
• 2:54
  but
• 2:54
  not
• 2:55
  Least,
• 2:55
  hey,
• 2:55
  if
• 2:55
  we're
• 2:55
  thinking
• 2:56
  about
• 2:56
  holiday
• 2:56
  giving,
• 2:57
  we,
• 2:57
  we're
• 2:57
  really
• 2:57
  talking
• 2:58
  about
• 2:58
  those
• 2:58
  relationships.
• 3:00
  You
• 3:00
  want
• 3:00
  to
• 3:00
  do
• 3:01
  things
• 3:01
  for
• 3:01
  your
• 3:01
  family,
• 3:02
  you
• 3:02
  want
• 3:02
  to
• 3:02
  do
• 3:02
  things
• 3:03
  for
• 3:03
  your
• 3:03
  friends
• 3:03
  and
• 3:04
  for
• 3:04
  your
• 3:04
  colleagues.
• 3:05
  It's
• 3:05
  all
• 3:05
  about
• 3:05
  building
• 3:06
  those
• 3:06
  relationships.
• 3:08
  Well,
• 3:08
  you
• 3:08
  know,
• 3:08
  on
• 3:08
  the
• 3:08
  show,
• 3:09
  I
• 3:09
  always
• 3:09
  want
• 3:09
  to
• 3:09
  get
• 3:09
  into
• 3:10
  scripture,
• 3:11
  so
• 3:11
  let's
• 3:11
  get
• 3:11
  right
• 3:12
  to
• 3:12
  the
• 3:12
  book
• 3:12
  of
• 3:12
  Philippians,
• 3:13
  chapter
• 3:13
  4,
• 3:14
  verses
• 3:14
  11
• 3:15
  to
• 3:15
  12.
• 3:15
  And
• 3:15
  this
• 3:15
  is
• 3:16
  from
• 3:16
  the
• 3:16
  NIV
• 3:16
  Bible.
• 3:17
  But
• 3:17
  I
• 3:17
  read
• 3:17
  this
• 3:18
  as
• 3:18
  I
• 3:18
  was
• 3:18
  preparing
• 3:18
  for
• 3:18
  the
• 3:18
  show
• 3:19
  and
• 3:19
  I
• 3:19
  thought,
• 3:19
  this
• 3:19
  is
• 3:20
  perfect
• 3:20
  today.
• 3:21
  And
• 3:21
  again,
• 3:21
  this
• 3:21
  is
• 3:21
  Philippians
• 3:22
  4,
• 3:23
  verses
• 3:23
  11
• 3:23
  to
• 3:24
  12.
• 3:24
  And
• 3:24
  this
• 3:24
  is
• 3:24
  what
• 3:24
  it
• 3:25
  says.
• 3:26
  I
• 3:26
  have
• 3:26
  learned
• 3:26
  to
• 3:26
  be
• 3:26
  content
• 3:27
  whatever
• 3:27
  the
• 3:27
  circumstances.
• 3:29
  I
• 3:29
  know
• 3:29
  what
• 3:29
  it
• 3:30
  is
• 3:30
  to
• 3:30
  be
• 3:30
  in
• 3:30
  need,
• 3:31
  and
• 3:31
  I
• 3:31
  know
• 3:31
  what
• 3:31
  it
• 3:32
  is
• 3:32
  to
• 3:32
  have
• 3:32
  plenty.
• 3:33
  I
• 3:33
  learned
• 3:34
  the
• 3:34
  secret
• 3:34
  of
• 3:34
  being
• 3:35
  content
• 3:35
  in
• 3:35
  any
• 3:36
  and
• 3:36
  every
• 3:36
  situation.
• 3:38
  Now
• 3:38
  as
• 3:38
  I
• 3:39
  was
• 3:39
  listening
• 3:39
  to
• 3:39
  that
• 3:39
  and
• 3:39
  I
• 3:40
  was
• 3:40
  reading
• 3:40
  that
• 3:40
  today,
• 3:40
  I
• 3:41
  thought,
• 3:41
  wow,
• 3:42
  what
• 3:42
  an
• 3:42
  in
• 3:42
  depth
• 3:43
  scripture
• 3:43
  that
• 3:44
  is.
• 3:44
  This
• 3:45
  is
• 3:45
  somebody
• 3:45
  who
• 3:46
  knows
• 3:46
  what
• 3:46
  it
• 3:46
  needs
• 3:47
  to
• 3:47
  be
• 3:47
  in
• 3:47
  need,
• 3:48
  and
• 3:48
  he
• 3:49
  also
• 3:49
  knows
• 3:49
  what
• 3:49
  it
• 3:50
  is
• 3:50
  to
• 3:50
  have
• 3:50
  plenty.
• 3:51
  And
• 3:52
  what's
• 3:52
  the
• 3:52
  big
• 3:52
  secret
• 3:52
  here,
• 3:53
  the
• 3:53
  big
• 3:53
  takeaway?
• 3:54
  I've
• 3:54
  learned
• 3:54
  the
• 3:55
  secret
• 3:55
  of
• 3:55
  being
• 3:56
  content
• 3:57
  in
• 3:57
  any
• 3:57
  and
• 3:58
  every
• 3:58
  situation.
• 3:59
  Well,
• 4:00
  let's
• 4:00
  talk
• 4:00
  about
• 4:00
  how
• 4:00
  do
• 4:01
  we
• 4:01
  get
• 4:01
  to
• 4:01
  that
• 4:01
  secret?
• 4:01
  Hey,
• 4:02
  that's
• 4:02
  the
• 4:02
  special
• 4:02
  sauce.
• 4:03
  That's
• 4:03
  the
• 4:03
  big
• 4:03
  reveal
• 4:04
  for
• 4:04
  today.
• 4:05
  I
• 4:05
  want
• 4:05
  to
• 4:05
  just
• 4:05
  give
• 4:06
  you
• 4:06
  one
• 4:06
  simple
• 4:07
  action
• 4:07
  that
• 4:07
  you
• 4:08
  can
• 4:08
  take
• 4:08
  today
• 4:08
  to
• 4:09
  start
• 4:09
  planning
• 4:09
  for
• 4:10
  that
• 4:10
  holiday
• 4:10
  season.
• 4:10
  Because
• 4:11
  guess
• 4:11
  what?
• 4:11
  Yes,
• 4:12
  it's
• 4:12
  in
• 4:12
  August.
• 4:12
  If
• 4:13
  you're
• 4:13
  listening
• 4:13
  to
• 4:13
  this
• 4:13
  live,
• 4:14
  we're
• 4:14
  only
• 4:15
  a
• 4:15
  few
• 4:15
  months
• 4:15
  away
• 4:15
  from
• 4:16
  really
• 4:16
  starting
• 4:16
  to
• 4:16
  dig
• 4:17
  in
• 4:17
  and
• 4:17
  do
• 4:17
  some
• 4:17
  holiday
• 4:18
  shopping.
• 4:18
  And
• 4:18
  here's
• 4:19
  a
• 4:19
  little
• 4:19
  pro
• 4:19
  tip.
• 4:20
  Start
• 4:20
  planning
• 4:21
  that
• 4:21
  now.
• 4:21
  Start
• 4:22
  shopping.
• 4:22
  Now.
• 4:22
  You
• 4:23
  can
• 4:23
  spread
• 4:23
  that
• 4:23
  cost
• 4:23
  over
• 4:24
  a
• 4:24
  couple
• 4:24
  months
• 4:25
  instead
• 4:25
  of
• 4:25
  at
• 4:25
  the
• 4:25
  last
• 4:26
  minute.
• 4:26
  So
• 4:27
  here's
• 4:27
  your
• 4:27
  one
• 4:27
  simple
• 4:28
  action
• 4:28
  step
• 4:28
  for
• 4:28
  today.
• 4:29
  I
• 4:29
  just
• 4:29
  want
• 4:29
  to
• 4:29
  encourage
• 4:30
  you
• 4:30
  today,
• 4:30
  just
• 4:31
  define
• 4:31
  your
• 4:32
  top
• 4:32
  one
• 4:32
  or
• 4:32
  two
• 4:33
  holiday
• 4:33
  values.
• 4:34
  Ask
• 4:34
  yourself
• 4:35
  this
• 4:35
  big
• 4:35
  takeaway
• 4:36
  question.
• 4:36
  Here's
• 4:37
  the
• 4:37
  question.
• 4:38
  What
• 4:38
  really
• 4:38
  matters
• 4:39
  most
• 4:39
  to
• 4:39
  me
• 4:39
  this
• 4:40
  season?
• 4:41
  And
• 4:41
  I
• 4:41
  just
• 4:41
  want
• 4:41
  you
• 4:41
  to
• 4:42
  pause
• 4:42
  there
• 4:42
  for
• 4:42
  a
• 4:42
  minute,
• 4:42
  just
• 4:43
  kind
• 4:43
  of
• 4:43
  dwell
• 4:43
  on
• 4:44
  that.
• 4:44
  Ask
• 4:45
  yourself
• 4:45
  that
• 4:45
  really
• 4:46
  important
• 4:47
  question.
• 4:48
  What
• 4:48
  really
• 4:48
  matters
• 4:49
  most
• 4:49
  to
• 4:49
  me
• 4:49
  this
• 4:50
  holiday
• 4:50
  season?
• 4:52
  Because
• 4:52
  it's
• 4:52
  so
• 4:53
  easy
• 4:53
  to
• 4:53
  get
• 4:53
  stuck
• 4:54
  in
• 4:54
  the
• 4:54
  movement
• 4:55
  of
• 4:55
  going
• 4:55
  forward
• 4:56
  with
• 4:56
  that
• 4:56
  and,
• 4:56
  you
• 4:56
  know,
• 4:57
  worrying
• 4:57
  about
• 4:57
  the
• 4:57
  gifts
• 4:58
  for
• 4:58
  this
• 4:58
  one
• 4:58
  and
• 4:58
  worrying
• 4:58
  about
• 4:59
  gifts
• 4:59
  for
• 4:59
  that
• 4:59
  one
• 5:00
  and
• 5:00
  decorating
• 5:00
  the
• 5:01
  house
• 5:01
  and
• 5:01
  planning
• 5:02
  all
• 5:02
  these
• 5:02
  elaborate
• 5:03
  things.
• 5:04
  But
• 5:04
  when
• 5:04
  you
• 5:04
  do
• 5:05
  that,
• 5:05
  I
• 5:05
  truly
• 5:05
  feel
• 5:05
  like
• 5:06
  you
• 5:06
  lose
• 5:06
  sight
• 5:07
  of
• 5:07
  what
• 5:07
  matters
• 5:08
  the
• 5:08
  most
• 5:08
  to
• 5:08
  your
• 5:09
  season.
• 5:10
  So
• 5:10
  you
• 5:10
  got
• 5:10
  to
• 5:10
  start
• 5:10
  by
• 5:11
  defining
• 5:11
  what
• 5:11
  that
• 5:12
  is.
• 5:12
  Once
• 5:13
  you
• 5:13
  do
• 5:13
  that,
• 5:14
  that's
• 5:14
  when
• 5:14
  you
• 5:14
  start
• 5:14
  Thinking
• 5:15
  about
• 5:15
  what
• 5:15
  I'll
• 5:15
  call
• 5:16
  your
• 5:16
  value
• 5:16
  based
• 5:16
  holiday
• 5:17
  budget.
• 5:18
  Just
• 5:18
  pick
• 5:18
  a
• 5:19
  few
• 5:19
  low
• 5:19
  cost
• 5:19
  activities
• 5:20
  that
• 5:20
  reflect
• 5:20
  those
• 5:21
  values
• 5:21
  that
• 5:21
  are
• 5:21
  important
• 5:22
  to
• 5:22
  you.
• 5:23
  Maybe
• 5:23
  for
• 5:23
  you
• 5:23
  it's
• 5:24
  family
• 5:24
  night
• 5:24
  is
• 5:25
  important.
• 5:25
  So
• 5:25
  maybe
• 5:25
  you
• 5:26
  want
• 5:26
  to
• 5:26
  invest
• 5:26
  in
• 5:26
  some
• 5:26
  games
• 5:27
  or
• 5:27
  some
• 5:27
  planned
• 5:28
  events
• 5:28
  that
• 5:28
  you
• 5:28
  can
• 5:28
  do
• 5:29
  that.
• 5:29
  Hey,
• 5:30
  maybe
• 5:30
  for
• 5:30
  you,
• 5:31
  worship
• 5:31
  time
• 5:31
  is
• 5:31
  important.
• 5:32
  So
• 5:33
  you
• 5:33
  want
• 5:33
  to
• 5:33
  think
• 5:33
  about
• 5:33
  that
• 5:34
  holiday
• 5:34
  calendar.
• 5:35
  I
• 5:35
  want
• 5:35
  to
• 5:35
  make
• 5:35
  sure
• 5:35
  you've
• 5:36
  set
• 5:36
  aside
• 5:36
  time
• 5:36
  for
• 5:37
  that
• 5:37
  worship
• 5:37
  time
• 5:37
  where,
• 5:38
  hey,
• 5:38
  here's
• 5:38
  a
• 5:38
  great
• 5:39
  one.
• 5:39
  And
• 5:40
  this
• 5:40
  is
• 5:40
  the
• 5:40
  thing
• 5:40
  that
• 5:40
  my
• 5:41
  family's
• 5:41
  embraced
• 5:41
  for
• 5:42
  many
• 5:42
  years.
• 5:42
  And
• 5:42
  we
• 5:42
  got
• 5:42
  to
• 5:42
  a
• 5:43
  point
• 5:43
  as
• 5:43
  a
• 5:43
  family
• 5:43
  where
• 5:43
  we
• 5:44
  realized,
• 5:44
  hey,
• 5:44
  nobody's
• 5:45
  going
• 5:45
  to
• 5:45
  give
• 5:45
  us
• 5:45
  something
• 5:45
  that
• 5:46
  we
• 5:46
  don't
• 5:46
  already
• 5:46
  have.
• 5:47
  I
• 5:47
  bet
• 5:48
  many
• 5:48
  people
• 5:48
  listening
• 5:48
  right
• 5:49
  now,
• 5:49
  you're
• 5:49
  probably
• 5:49
  listening
• 5:50
  right
• 5:50
  now.
• 5:50
  You're
• 5:50
  saying,
• 5:50
  ralph,
• 5:50
  I
• 5:51
  can
• 5:51
  embrace
• 5:51
  that.
• 5:52
  So
• 5:53
  for
• 5:53
  many
• 5:53
  people,
• 5:53
  maybe
• 5:54
  you're
• 5:54
  one
• 5:54
  of
• 5:54
  those
• 5:54
  people
• 5:54
  listening
• 5:55
  right
• 5:55
  now,
• 5:56
  it's
• 5:56
  all
• 5:56
  about
• 5:57
  serving
• 5:57
  others.
• 5:58
  So
• 5:59
  think
• 5:59
  about
• 5:59
  that
• 5:59
  as
• 6:00
  you
• 6:00
  plan
• 6:00
  this
• 6:00
  holiday
• 6:01
  season.
• 6:01
  You
• 6:01
  probably
• 6:01
  thought
• 6:01
  I
• 6:02
  was
• 6:02
  going
• 6:02
  to
• 6:02
  talk
• 6:02
  about
• 6:03
  gift
• 6:03
  giving
• 6:03
  guides
• 6:04
  and
• 6:04
  you
• 6:04
  probably
• 6:04
  thought
• 6:05
  I
• 6:05
  was
• 6:05
  going
• 6:05
  to
• 6:05
  talk
• 6:05
  about
• 6:05
  how
• 6:06
  to
• 6:06
  budget
• 6:06
  money
• 6:06
  for
• 6:07
  the
• 6:07
  holidays.
• 6:07
  No,
• 6:08
  I'm
• 6:08
  really
• 6:08
  talking
• 6:08
  about
• 6:09
  how
• 6:09
  to
• 6:09
  budget
• 6:09
  your
• 6:10
  time,
• 6:10
  how
• 6:10
  to
• 6:11
  budget
• 6:11
  those
• 6:11
  things
• 6:12
  that
• 6:12
  are
• 6:12
  important
• 6:13
  to
• 6:13
  you,
• 6:14
  the
• 6:14
  things
• 6:14
  that
• 6:14
  you
• 6:15
  value
• 6:15
  the
• 6:15
  most.
• 6:16
  Because
• 6:16
  here's
• 6:17
  the
• 6:17
  secret,
• 6:17
  here's
• 6:18
  the
• 6:18
  big
• 6:18
  takeaway
• 6:18
  for
• 6:19
  today,
• 6:19
  the
• 6:19
  big
• 6:19
  reveal.
• 6:20
  Let
• 6:20
  those
• 6:21
  things
• 6:21
  be
• 6:21
  the
• 6:22
  anchor
• 6:22
  when
• 6:23
  you're
• 6:23
  tempted
• 6:23
  to
• 6:23
  overspend.
• 6:25
  Hey,
• 6:25
  like
• 6:25
  most
• 6:26
  of
• 6:26
  us,
• 6:26
  it's
• 6:26
  real
• 6:26
  easy
• 6:27
  to
• 6:27
  get
• 6:27
  into
• 6:27
  that
• 6:28
  situation
• 6:28
  where
• 6:28
  we're
• 6:29
  going
• 6:29
  to
• 6:29
  go
• 6:29
  overspend
• 6:30
  for
• 6:30
  the
• 6:30
  holidays.
• 6:31
  But
• 6:32
  then
• 6:32
  we
• 6:32
  got
• 6:32
  to
• 6:32
  get
• 6:32
  back
• 6:32
  to
• 6:33
  our
• 6:33
  values
• 6:33
  and
• 6:33
  think
• 6:33
  about
• 6:33
  what
• 6:34
  is
• 6:34
  important
• 6:34
  to
• 6:34
  us,
• 6:35
  what
• 6:35
  is
• 6:36
  our
• 6:36
  anchor.
• 6:37
  And
• 6:37
  when
• 6:37
  you
• 6:37
  feel
• 6:37
  yourself
• 6:38
  being
• 6:38
  pushed
• 6:39
  in
• 6:39
  that
• 6:39
  direction
• 6:39
  that
• 6:40
  you're
• 6:40
  going
• 6:40
  to
• 6:40
  overspend,
• 6:41
  go
• 6:41
  back
• 6:41
  to
• 6:41
  that
• 6:42
  anchor.
• 6:42
  Look
• 6:42
  at
• 6:43
  those
• 6:43
  one
• 6:43
  or
• 6:43
  two
• 6:43
  values
• 6:44
  that
• 6:44
  are
• 6:44
  important
• 6:45
  to
• 6:45
  you.
• 6:45
  Hey,
• 6:46
  maybe
• 6:46
  for
• 6:46
  you,
• 6:46
  one
• 6:46
  of
• 6:46
  your
• 6:47
  big
• 6:47
  values
• 6:47
  is
• 6:47
  I
• 6:47
  don't
• 6:48
  want
• 6:48
  to
• 6:48
  go
• 6:48
  into
• 6:48
  debt
• 6:48
  this
• 6:49
  Christmas.
• 6:50
  I
• 6:50
  remember
• 6:50
  last
• 6:50
  year,
• 6:51
  Ralph,
• 6:51
  when
• 6:51
  I
• 6:51
  went
• 6:51
  into
• 6:52
  debt,
• 6:52
  it
• 6:52
  took
• 6:52
  me
• 6:53
  January,
• 6:53
  February,
• 6:54
  yeah,
• 6:54
  March
• 6:54
  and
• 6:55
  April
• 6:55
  and
• 6:56
  I
• 6:56
  was
• 6:56
  still
• 6:56
  paying
• 6:56
  off
• 6:56
  those
• 6:57
  credit
• 6:57
  cards.
• 6:58
  And
• 6:58
  that
• 6:58
  was
• 6:58
  such
• 6:59
  a
• 6:59
  burden.
• 6:59
  It
• 6:59
  took
• 6:59
  away
• 7:00
  the
• 7:00
  value
• 7:00
  of
• 7:01
  the
• 7:01
  holidays.
• 7:01
  It
• 7:01
  took
• 7:01
  about
• 7:02
  all
• 7:02
  the
• 7:02
  joy
• 7:03
  that
• 7:03
  I
• 7:03
  would
• 7:03
  have
• 7:03
  had
• 7:03
  giving
• 7:04
  gifts.
• 7:04
  And
• 7:04
  Ralph,
• 7:05
  when
• 7:05
  I
• 7:05
  realized
• 7:05
  at
• 7:06
  the
• 7:06
  end
• 7:06
  that
• 7:06
  was
• 7:06
  one
• 7:06
  of
• 7:06
  the
• 7:07
  big
• 7:07
  values
• 7:07
  for
• 7:08
  me
• 7:08
  because
• 7:09
  one
• 7:09
  of
• 7:09
  the
• 7:09
  things
• 7:09
  I
• 7:10
  really
• 7:10
  want
• 7:10
  to
• 7:10
  encourage
• 7:11
  during
• 7:11
  we
• 7:11
  are
• 7:11
  planning
• 7:12
  for
• 7:12
  the
• 7:12
  holiday
• 7:12
  season
• 7:13
  is,
• 7:13
  is
• 7:14
  to
• 7:14
  help
• 7:14
  break
• 7:14
  that
• 7:15
  cycle
• 7:15
  of
• 7:15
  that
• 7:15
  guilt
• 7:16
  driven
• 7:16
  spending.
• 7:17
  The
• 7:17
  truth
• 7:17
  is,
• 7:18
  as
• 7:18
  I
• 7:18
  talk
• 7:18
  to
• 7:18
  people
• 7:19
  more
• 7:19
  and
• 7:19
  more
• 7:20
  every
• 7:20
  day,
• 7:20
  it's
• 7:21
  all
• 7:21
  about
• 7:21
  guilt
• 7:22
  and
• 7:22
  what
• 7:22
  does
• 7:23
  that
• 7:23
  guilt
• 7:23
  do?
• 7:23
  That
• 7:24
  guilt
• 7:24
  leads
• 7:24
  away
• 7:25
  from
• 7:25
  peace.
• 7:25
  And
• 7:25
  hey,
• 7:26
  if
• 7:26
  you
• 7:26
  want
• 7:27
  to
• 7:27
  have
• 7:27
  a
• 7:27
  peaceful
• 7:28
  and
• 7:28
  joyful
• 7:29
  Christmas
• 7:30
  season
• 7:30
  holiday
• 7:30
  season,
• 7:31
  you
• 7:32
  got
• 7:32
  to
• 7:32
  start
• 7:32
  thinking
• 7:32
  about
• 7:33
  taking
• 7:33
  that
• 7:33
  pressure
• 7:34
  off.
• 7:35
  And
• 7:35
  the
• 7:35
  other
• 7:35
  thing
• 7:36
  I
• 7:36
  want
• 7:36
  to
• 7:36
  encourage
• 7:36
  you
• 7:36
  to
• 7:37
  do
• 7:37
  is
• 7:37
  shift
• 7:38
  away
• 7:38
  from
• 7:38
  consumption.
• 7:39
  We
• 7:40
  get
• 7:40
  so
• 7:40
  focused
• 7:40
  on
• 7:41
  the
• 7:41
  gifts
• 7:41
  and
• 7:41
  we
• 7:41
  get
• 7:42
  so
• 7:42
  focused
• 7:42
  on
• 7:43
  the
• 7:43
  stuff.
• 7:44
  Let's
• 7:45
  really
• 7:45
  start
• 7:45
  to
• 7:45
  model
• 7:46
  that
• 7:46
  Christ
• 7:46
  centered
• 7:47
  celebration.
• 7:48
  Let's
• 7:48
  think
• 7:49
  about
• 7:49
  being
• 7:49
  faithful
• 7:50
  stewards
• 7:50
  of
• 7:50
  what
• 7:51
  God
• 7:51
  has
• 7:51
  given
• 7:51
  us
• 7:52
  because
• 7:53
  that's
• 7:53
  really
• 7:53
  the
• 7:53
  reason
• 7:54
  for
• 7:54
  the
• 7:54
  holiday.
• 7:54
  That's
• 7:55
  really
• 7:55
  where
• 7:55
  the
• 7:55
  joy
• 7:56
  is
• 7:56
  found.
• 7:56
  That's
• 7:56
  a
• 7:56
  big
• 7:57
  secret
• 7:57
  there.
• 7:57
  It's
• 7:57
  not
• 7:58
  a
• 7:58
  big
• 7:58
  secret
• 7:58
  actually.
• 7:59
  That
• 7:59
  is
• 7:59
  truly
• 8:00
  where
• 8:00
  the
• 8:00
  joy
• 8:00
  is
• 8:01
  found.
• 8:01
  Joy
• 8:02
  isn't
• 8:02
  found
• 8:02
  in
• 8:02
  those
• 8:03
  credit
• 8:03
  card
• 8:03
  statements
• 8:04
  that
• 8:04
  happened
• 8:04
  in
• 8:04
  January.
• 8:05
  Joy
• 8:06
  isn't
• 8:06
  found
• 8:06
  in
• 8:06
  that
• 8:07
  stress
• 8:07
  of
• 8:07
  wait
• 8:08
  until
• 8:08
  the
• 8:08
  last
• 8:08
  minute
• 8:09
  and
• 8:09
  not
• 8:09
  having
• 8:09
  your
• 8:09
  plans
• 8:10
  in
• 8:10
  order,
• 8:10
  blowing
• 8:11
  your
• 8:11
  budget
• 8:11
  and
• 8:11
  then
• 8:12
  scrambling
• 8:12
  to
• 8:12
  figure
• 8:12
  out
• 8:12
  how
• 8:13
  you're
• 8:13
  going
• 8:13
  to
• 8:13
  pay
• 8:13
  your
• 8:13
  bills.
• 8:15
  So
• 8:15
  again,
• 8:15
  this
• 8:16
  episode
• 8:16
  might
• 8:17
  have
• 8:17
  been
• 8:17
  a
• 8:17
  little
• 8:17
  bit
• 8:17
  more
• 8:18
  than
• 8:18
  you
• 8:18
  expected,
• 8:19
  but
• 8:19
  that
• 8:19
  is
• 8:19
  really
• 8:20
  my
• 8:20
  focus
• 8:20
  today.
• 8:21
  I
• 8:21
  want
• 8:21
  you
• 8:21
  to
• 8:21
  really
• 8:21
  think
• 8:22
  about
• 8:22
  and
• 8:22
  plan
• 8:23
  for
• 8:23
  the
• 8:23
  holidays
• 8:24
  to
• 8:24
  make
• 8:24
  it
• 8:24
  what
• 8:25
  you
• 8:25
  value
• 8:25
  the
• 8:26
  most.
• 8:26
  Well,
• 8:26
  how
• 8:27
  about
• 8:27
  we
• 8:27
  pray
• 8:27
  together?
• 8:28
  Heavenly
• 8:29
  Father,
• 8:29
  in
• 8:29
  a
• 8:29
  world
• 8:30
  that
• 8:30
  screams
• 8:30
  for
• 8:30
  more,
• 8:31
  we
• 8:31
  just
• 8:31
  ask
• 8:32
  that
• 8:32
  you
• 8:32
  would
• 8:32
  help
• 8:32
  us
• 8:32
  to
• 8:33
  quiet
• 8:33
  our
• 8:33
  hearts,
• 8:34
  Lord
• 8:34
  and
• 8:34
  hear
• 8:34
  your
• 8:35
  voice.
• 8:36
  And
• 8:36
  Lord,
• 8:36
  we
• 8:36
  just
• 8:37
  encourage
• 8:37
  you
• 8:37
  to
• 8:38
  teach
• 8:38
  us
• 8:38
  to
• 8:38
  be
• 8:38
  content
• 8:39
  and
• 8:40
  Lord,
• 8:40
  not
• 8:40
  in
• 8:40
  stuff.
• 8:41
  It's
• 8:41
  so
• 8:41
  easy
• 8:41
  to
• 8:41
  get
• 8:42
  hung
• 8:42
  up
• 8:42
  in
• 8:42
  the
• 8:42
  stuff.
• 8:43
  But
• 8:44
  Lord
• 8:44
  help
• 8:44
  us
• 8:44
  to
• 8:44
  be
• 8:44
  content
• 8:45
  in
• 8:45
  your
• 8:45
  sufficiency.
• 8:47
  And
• 8:47
  even
• 8:47
  though
• 8:47
  we're
• 8:48
  in
• 8:48
  August,
• 8:48
  Lord,
• 8:49
  we
• 8:49
  just
• 8:49
  ask
• 8:49
  that
• 8:49
  you
• 8:50
  would
• 8:50
  help
• 8:50
  this
• 8:50
  holiday
• 8:51
  season
• 8:51
  to
• 8:51
  reflect
• 8:52
  our
• 8:52
  values
• 8:52
  and
• 8:53
  our
• 8:53
  love
• 8:53
  for
• 8:53
  you,
• 8:54
  Lord,
• 8:54
  because
• 8:54
  that's
• 8:54
  the
• 8:54
  most
• 8:55
  important
• 8:55
  thing.
• 8:56
  And
• 8:56
  most
• 8:56
  of
• 8:56
  all
• 8:57
  Lord,
• 8:57
  we
• 8:57
  we
• 8:57
  ask
• 8:58
  that
• 8:58
  you
• 8:58
  would
• 8:58
  help
• 8:58
  us
• 8:58
  to
• 8:58
  reflect
• 8:59
  gratitude
• 8:59
  for
• 9:00
  all
• 9:00
  the
• 9:00
  things
• 9:00
  you've
• 9:00
  given
• 9:01
  us.
• 9:01
  Lord
• 9:01
  we
• 9:01
  are
• 9:01
  so
• 9:02
  fortunate
• 9:02
  when
• 9:02
  we
• 9:02
  look
• 9:03
  around
• 9:03
  at
• 9:03
  what
• 9:03
  we
• 9:03
  do
• 9:04
  have.
• 9:04
  And
• 9:05
  Lord
• 9:05
  we
• 9:05
  would
• 9:05
  ask
• 9:06
  that
• 9:06
  you
• 9:06
  would
• 9:06
  guard
• 9:07
  us
• 9:07
  from
• 9:07
  guilt
• 9:07
  driven
• 9:08
  spending
• 9:08
  and
• 9:09
  guide
• 9:09
  us
• 9:09
  into
• 9:09
  peace
• 9:10
  filled
• 9:10
  giving
• 9:11
  Lord,
• 9:11
  help
• 9:11
  us
• 9:11
  to
• 9:12
  be
• 9:12
  those
• 9:12
  cheerful
• 9:12
  givers
• 9:13
  that
• 9:13
  you
• 9:13
  talk
• 9:13
  about
• 9:13
  in
• 9:14
  your
• 9:14
  word.
• 9:14
  And
• 9:15
  Lord
• 9:15
  we
• 9:15
  just
• 9:15
  ask
• 9:16
  that
• 9:16
  you
• 9:16
  would
• 9:16
  let
• 9:16
  our
• 9:16
  homes
• 9:17
  be
• 9:17
  filled
• 9:17
  with
• 9:17
  joy
• 9:18
  and
• 9:18
  not
• 9:18
  debt
• 9:19
  was
• 9:19
  not
• 9:19
  to
• 9:20
  put
• 9:20
  ourselves
• 9:20
  in
• 9:20
  that
• 9:21
  situation
• 9:21
  again
• 9:22
  this
• 9:22
  year
• 9:22
  Lord
• 9:22
  and
• 9:23
  help
• 9:23
  us
• 9:23
  our
• 9:23
  hearts
• 9:24
  to
• 9:24
  be
• 9:24
  filled
• 9:24
  with
• 9:24
  Christ,
• 9:26
  not
• 9:26
  comparison.
• 9:27
  And
• 9:27
  we
• 9:28
  ask
• 9:28
  this
• 9:28
  in
• 9:28
  confidence,
• 9:29
  boldly.
• 9:29
  In
• 9:30
  Jesus
• 9:30
  name
• 9:30
  we
• 9:30
  pray.
• 9:31
  Amen.
• 9:33
  Remember
• 9:33
  this
• 9:34
  if
• 9:34
  you
• 9:34
  don't
• 9:35
  hear
• 9:35
  anything
• 9:35
  else
• 9:35
  I've
• 9:36
  said
• 9:36
  today.
• 9:36
  The
• 9:37
  holidays
• 9:37
  aren't
• 9:38
  about
• 9:38
  what's
• 9:38
  under
• 9:38
  the
• 9:39
  tree.
• 9:39
  It's
• 9:40
  so
• 9:40
  easy
• 9:40
  to
• 9:40
  get
• 9:41
  stuck
• 9:41
  in
• 9:41
  that
• 9:42
  thought
• 9:42
  process
• 9:42
  that,
• 9:43
  that,
• 9:43
  that
• 9:43
  go
• 9:44
  to
• 9:44
  thing
• 9:44
  of,
• 9:44
  okay,
• 9:44
  what's
• 9:45
  under
• 9:45
  the
• 9:45
  tree?
• 9:45
  What
• 9:45
  are
• 9:45
  the
• 9:46
  kids
• 9:46
  gonna
• 9:46
  have?
• 9:47
  But
• 9:47
  that's
• 9:48
  not
• 9:48
  what
• 9:48
  the
• 9:48
  holidays
• 9:48
  are
• 9:48
  all
• 9:49
  about.
• 9:50
  They're
• 9:50
  about
• 9:50
  you
• 9:51
  becoming
• 9:51
  in
• 9:51
  Christ
• 9:52
  through
• 9:52
  them.
• 9:53
  That's
• 9:54
  really
• 9:54
  the
• 9:54
  key.
• 9:55
  That
• 9:55
  is
• 9:55
  the
• 9:55
  key.
• 9:55
  That
• 9:56
  is
• 9:56
  the
• 9:56
  main
• 9:56
  takeaway.
• 9:57
  It's
• 9:57
  about
• 9:57
  you
• 9:58
  becoming
• 9:58
  in
• 9:59
  Christ
• 9:59
  through
• 10:00
  the
• 10:00
  gifts
• 10:00
  that
• 10:01
  you
• 10:01
  give.
• 10:02
  So
• 10:02
  now,
• 10:02
  right
• 10:02
  now,
• 10:02
  I
• 10:03
  want
• 10:03
  to
• 10:03
  ask
• 10:03
  you
• 10:03
  to
• 10:03
  do
• 10:03
  something.
• 10:04
  I
• 10:04
  want
• 10:04
  you
• 10:04
  to
• 10:04
  share
• 10:04
  the
• 10:04
  show.
• 10:05
  This
• 10:05
  show
• 10:05
  is
• 10:06
  making
• 10:06
  an
• 10:06
  impact
• 10:06
  on
• 10:07
  you.
• 10:07
  If
• 10:08
  this
• 10:08
  show
• 10:08
  is
• 10:08
  changing
• 10:09
  the
• 10:09
  way
• 10:09
  you
• 10:09
  think,
• 10:10
  hey,
• 10:10
  if
• 10:10
  this
• 10:10
  show's
• 10:10
  making
• 10:11
  you
• 10:11
  a
• 10:11
  more
• 10:12
  confident,
• 10:12
  financially
• 10:13
  confident
• 10:13
  Christian,
• 10:14
  I
• 10:14
  just
• 10:14
  want
• 10:15
  to
• 10:15
  encourage
• 10:15
  you
• 10:15
  to
• 10:15
  share
• 10:15
  it
• 10:16
  with
• 10:16
  your
• 10:16
  neighbors,
• 10:17
  share
• 10:17
  it
• 10:17
  with
• 10:17
  your
• 10:17
  friends,
• 10:17
  share
• 10:18
  it
• 10:18
  with
• 10:18
  your
• 10:18
  family.
• 10:19
  Let's
• 10:19
  really
• 10:19
  reach
• 10:20
  out
• 10:20
  and
• 10:20
  touch
• 10:20
  people
• 10:21
  with
• 10:21
  a
• 10:21
  message
• 10:22
  of
• 10:22
  hope,
• 10:22
  with
• 10:22
  a
• 10:23
  message
• 10:23
  of,
• 10:23
  hey,
• 10:23
  you
• 10:24
  don't
• 10:24
  have
• 10:24
  to
• 10:24
  get
• 10:25
  stuck,
• 10:25
  you
• 10:25
  don't
• 10:25
  have
• 10:25
  to
• 10:25
  stay
• 10:26
  stuck
• 10:26
  in
• 10:26
  that
• 10:26
  quagmire
• 10:27
  of
• 10:28
  financial
• 10:28
  distress.
• 10:28
  Just
• 10:29
  send
• 10:29
  them
• 10:29
  to
• 10:29
  our
• 10:29
  website,
• 10:30
  that's
• 10:30
  financiallyconfidentchristian.com
• 10:33
  because
• 10:34
  listen,
• 10:34
  if
• 10:34
  you're
• 10:34
  getting
• 10:34
  a
• 10:34
  lot
• 10:35
  from
• 10:35
  it,
• 10:35
  they
• 10:35
  can
• 10:35
  too.
• 10:36
  So
• 10:36
  I
• 10:36
  just
• 10:36
  want
• 10:36
  to
• 10:36
  encourage
• 10:36
  again,
• 10:37
  share
• 10:37
  the
• 10:37
  show.
• 10:37
  Now,
• 10:38
  tomorrow,
• 10:38
  I
• 10:38
  want
• 10:38
  to
• 10:38
  make
• 10:38
  sure
• 10:38
  you
• 10:39
  come
• 10:39
  back
• 10:39
  and
• 10:39
  join
• 10:39
  me.
• 10:39
  We're
• 10:40
  going
• 10:40
  to
• 10:40
  start
• 10:40
  talking
• 10:40
  about
• 10:40
  yes
• 10:41
  again.
• 10:41
  It's
• 10:41
  not
• 10:41
  the
• 10:41
  end
• 10:42
  of
• 10:42
  the
• 10:42
  year
• 10:42
  yet,
• 10:42
  but
• 10:43
  I
• 10:43
  want
• 10:43
  to
• 10:43
  start
• 10:43
  setting
• 10:44
  the
• 10:44
  table
• 10:44
  for
• 10:45
  a
• 10:45
  year
• 10:45
  end
• 10:46
  financial
• 10:46
  checklist
• 10:47
  so
• 10:47
  that
• 10:47
  you
• 10:47
  can
• 10:47
  start
• 10:48
  thinking
• 10:48
  about
• 10:48
  how
• 10:48
  to
• 10:48
  wrap
• 10:49
  up
• 10:49
  the
• 10:49
  end
• 10:49
  of
• 10:49
  the
• 10:50
  year
• 10:50
  strong
• 10:50
  and
• 10:51
  to
• 10:51
  set
• 10:51
  yourself
• 10:51
  up
• 10:52
  for
• 10:52
  continued
• 10:52
  peace
• 10:53
  and
• 10:53
  progress.
• 10:54
  So
• 10:55
  let's
• 10:55
  all
• 10:55
  go
• 10:55
  out
• 10:55
  there
• 10:55
  today
• 10:56
  and
• 10:56
  be
• 10:56
  those
• 10:57
  financially
• 10:57
  confident
• 10:58
  Christians
• 10:58
  we
• 10:58
  want
• 10:58
  to
• 10:58
  be.
• 10:59
  I
• 10:59
  have
• 10:59
  confidence
• 11:00
  in
• 11:00
  you,
• 11:00
  have
• 11:01
  confidence
• 11:01
  in
• 11:01
  yourself.
• 11:02
  Stay
• 11:02
  financially
• 11:03
  savvy.
• 11:03
  God
• 11:04
  bless
• 11:04
  you
• 11:04
  and
• 11:04
  you
• 11:05
  have
• 11:05
  a
• 11:05
  great
• 11:05
  day
• 11:05
  today.