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How Do I Enjoy This Boring Middle Stage of Life? · Becoming Financially Confident

• 0:37
  How
• 0:37
  do
• 0:37
  you
• 0:37
  know
• 0:38
  if
• 0:38
  you're
• 0:38
  building
• 0:38
  wealth
• 0:39
  wisely
• 0:40
  or
• 0:40
  you
• 0:40
  just
• 0:40
  put
• 0:41
  your
• 0:41
  life
• 0:41
  on
• 0:41
  hold?
• 0:43
  On
• 0:43
  today's
• 0:43
  episode,
• 0:44
  I
• 0:44
  talk
• 0:44
  with
• 0:44
  someone
• 0:44
  in
• 0:45
  the
• 0:45
  boring
• 0:45
  middle
• 0:46
  of
• 0:46
  their
• 0:46
  financial
• 0:46
  journey.
• 0:47
  You
• 0:48
  know
• 0:48
  that
• 0:48
  season
• 0:48
  where
• 0:48
  you're
• 0:49
  working
• 0:49
  hard,
• 0:49
  you're
• 0:50
  investing
• 0:50
  consistently
• 0:51
  and
• 0:52
  you're
• 0:52
  trying
• 0:52
  to
• 0:52
  be
• 0:52
  responsible,
• 0:54
  but
• 0:54
  sometimes
• 0:55
  you're
• 0:55
  wondering
• 0:55
  if
• 0:55
  it's
• 0:55
  all
• 0:56
  the
• 0:56
  sacrifice
• 0:56
  is
• 0:57
  making
• 0:57
  life
• 0:57
  smaller
• 0:58
  instead
• 0:58
  of
• 0:58
  fuller.
• 0:59
  They're
• 1:00
  doing
• 1:00
  what
• 1:00
  they're
• 1:00
  supposed
• 1:00
  to
• 1:01
  do.
• 1:01
  They're
• 1:01
  saving,
• 1:02
  they're
• 1:02
  planning,
• 1:02
  they're
• 1:03
  building
• 1:03
  for
• 1:03
  the
• 1:03
  future.
• 1:05
  But
• 1:05
  underneath
• 1:05
  the
• 1:05
  discipline
• 1:06
  is
• 1:06
  a
• 1:06
  quiet
• 1:07
  fear.
• 1:08
  What
• 1:08
  if
• 1:09
  someday
• 1:09
  never
• 1:09
  arrives
• 1:10
  and
• 1:11
  he
• 1:11
  realized
• 1:11
  he
• 1:11
  forgot
• 1:12
  to
• 1:12
  enjoy
• 1:12
  the
• 1:12
  life
• 1:12
  they
• 1:12
  were
• 1:13
  working
• 1:13
  so
• 1:13
  hard
• 1:13
  to
• 1:14
  build?
• 1:14
  That's
• 1:15
  we're
• 1:15
  going
• 1:15
  to
• 1:15
  break
• 1:15
  down
• 1:15
  together
• 1:16
  on
• 1:16
  today's
• 1:16
  show.
• 1:26
  Hello,
• 1:26
  friend,
• 1:26
  Ralph
• 1:27
  Estep
• 1:27
  Jr.
• 1:28
  Here.
• 1:28
  Welcome
• 1:29
  to
• 1:29
  Financially
• 1:29
  Confident
• 1:30
  Christian.
• 1:31
  This
• 1:31
  is
• 1:31
  the
• 1:31
  show
• 1:32
  where
• 1:32
  Michael
• 1:32
  every
• 1:33
  day
• 1:33
  is
• 1:33
  to
• 1:33
  help
• 1:33
  you
• 1:33
  break
• 1:34
  that
• 1:34
  cycle
• 1:34
  of
• 1:35
  financial
• 1:35
  shame
• 1:36
  and
• 1:36
  live
• 1:36
  with
• 1:37
  confidence.
• 1:38
  And
• 1:38
  today
• 1:39
  we
• 1:39
  got
• 1:39
  a
• 1:39
  great
• 1:40
  listener
• 1:40
  voicemail
• 1:41
  question
• 1:42
  and
• 1:42
  that's
• 1:42
  how
• 1:43
  to
• 1:43
  enjoy
• 1:43
  life
• 1:43
  while
• 1:44
  building
• 1:44
  wealth
• 1:44
  in
• 1:44
  the
• 1:45
  boring
• 1:45
  and
• 1:45
  middle.
• 1:46
  I
• 1:46
  have
• 1:46
  to
• 1:46
  be
• 1:46
  honest,
• 1:46
  when
• 1:46
  I
• 1:46
  first
• 1:47
  heard
• 1:47
  that,
• 1:47
  I
• 1:47
  think
• 1:47
  boring
• 1:48
  middle,
• 1:48
  what
• 1:48
  are
• 1:48
  they
• 1:48
  talking
• 1:49
  about?
• 1:49
  But
• 1:50
  let's
• 1:50
  get
• 1:50
  right
• 1:50
  into
• 1:50
  today's
• 1:51
  listener
• 1:51
  question.
• 1:52
  I've
• 1:53
  been
• 1:53
  thinking
• 1:53
  about
• 1:53
  this
• 1:54
  a
• 1:54
  lot
• 1:54
  lately.
• 1:55
  Honestly,
• 1:57
  I'm
• 1:58
  starting
• 1:58
  to
• 1:58
  feel
• 1:58
  like
• 1:58
  life
• 1:59
  is
• 1:59
  kind
• 1:59
  of
• 1:59
  passing
• 2:00
  by
• 2:01
  while
• 2:01
  I'm
• 2:02
  busy
• 2:02
  preparing
• 2:02
  for
• 2:02
  the
• 2:03
  future.
• 2:04
  I've
• 2:04
  worked
• 2:04
  hard
• 2:05
  to
• 2:05
  be
• 2:05
  responsible
• 2:06
  with
• 2:06
  money,
• 2:07
  stay
• 2:07
  disciplined,
• 2:08
  save,
• 2:09
  invest.
• 2:10
  And
• 2:10
  I
• 2:11
  know
• 2:11
  those
• 2:11
  things
• 2:12
  matter,
• 2:12
  I
• 2:12
  really
• 2:13
  do.
• 2:14
  But.
• 2:14
  But
• 2:15
  sometimes
• 2:17
  it's
• 2:17
  like
• 2:17
  all
• 2:17
  I
• 2:18
  do
• 2:18
  is
• 2:18
  work,
• 2:19
  save,
• 2:19
  and
• 2:20
  wait
• 2:20
  for
• 2:20
  some
• 2:20
  hypothetical
• 2:21
  later
• 2:22
  to
• 2:22
  actually
• 2:22
  enjoy
• 2:23
  life.
• 2:23
  You
• 2:23
  know,
• 2:25
  Ralph,
• 2:26
  people
• 2:26
  always
• 2:27
  say
• 2:27
  don't
• 2:27
  miss
• 2:28
  your
• 2:28
  life
• 2:28
  while
• 2:28
  building
• 2:29
  wealth.
• 2:30
  But
• 2:30
  what
• 2:30
  does
• 2:30
  that
• 2:30
  even
• 2:31
  look
• 2:31
  like?
• 2:32
  Like
• 2:32
  in
• 2:33
  actual
• 2:33
  day
• 2:33
  to
• 2:34
  day
• 2:34
  reality,
• 2:35
  how
• 2:36
  do
• 2:36
  you
• 2:36
  find
• 2:36
  that
• 2:36
  balance
• 2:38
  between
• 2:38
  getting
• 2:38
  ready
• 2:39
  for
• 2:39
  tomorrow
• 2:40
  and
• 2:40
  still
• 2:40
  letting
• 2:41
  yourself
• 2:41
  enjoy
• 2:42
  today
• 2:43
  without
• 2:43
  throwing
• 2:43
  your
• 2:44
  financial
• 2:44
  goals
• 2:44
  out
• 2:44
  the
• 2:45
  window?
• 2:46
  What
• 2:46
  does
• 2:46
  that
• 2:47
  actually
• 2:47
  look
• 2:47
  like
• 2:47
  when
• 2:48
  you're
• 2:48
  still
• 2:48
  in
• 2:48
  the
• 2:48
  middle
• 2:49
  of
• 2:49
  it
• 2:49
  all?
• 2:51
  Well,
• 2:51
  it's
• 2:51
  clear
• 2:51
  we've
• 2:51
  understood
• 2:52
  now
• 2:52
  what
• 2:52
  the
• 2:53
  boring
• 2:53
  middle
• 2:53
  is.
• 2:54
  And
• 2:55
  I
• 2:55
  sense
• 2:56
  the
• 2:56
  tension
• 2:56
  here
• 2:57
  because
• 2:58
  you're
• 2:58
  building
• 2:58
  wealth
• 2:59
  to
• 2:59
  support
• 2:59
  your
• 2:59
  life,
• 3:00
  but
• 3:01
  it's
• 3:01
  not
• 3:01
  supposed
• 3:01
  to
• 3:01
  postpone
• 3:02
  it
• 3:02
  indefinitely.
• 3:04
  So
• 3:04
  let's
• 3:04
  explore
• 3:05
  this
• 3:05
  together
• 3:05
  today.
• 3:06
  First
• 3:07
  thing
• 3:07
  I'm
• 3:07
  going
• 3:07
  to
• 3:07
  encourage
• 3:08
  you
• 3:08
  to
• 3:08
  do
• 3:08
  is
• 3:08
  stop
• 3:09
  viewing
• 3:09
  enjoyment
• 3:10
  as
• 3:10
  the
• 3:10
  enemy
• 3:11
  of
• 3:11
  progress.
• 3:13
  When
• 3:13
  I
• 3:13
  listen
• 3:13
  to
• 3:13
  your
• 3:14
  voicemail,
• 3:14
  and
• 3:14
  this
• 3:14
  is
• 3:14
  a
• 3:14
  couple
• 3:15
  times
• 3:15
  I've
• 3:15
  heard
• 3:15
  it,
• 3:16
  I
• 3:16
  hear
• 3:17
  this
• 3:17
  tension
• 3:17
  in
• 3:18
  your
• 3:18
  voice.
• 3:19
  Having
• 3:20
  joy
• 3:20
  in
• 3:20
  your
• 3:21
  life
• 3:21
  is
• 3:21
  not
• 3:21
  irresponsible.
• 3:23
  It's
• 3:24
  okay
• 3:24
  to
• 3:24
  have
• 3:24
  joy
• 3:24
  in
• 3:25
  your
• 3:25
  life.
• 3:26
  Having
• 3:26
  rest
• 3:27
  in
• 3:27
  your
• 3:27
  life
• 3:27
  is
• 3:28
  not
• 3:28
  wasteful.
• 3:29
  It's
• 3:30
  okay
• 3:30
  to
• 3:30
  have
• 3:30
  rest
• 3:31
  in
• 3:31
  your
• 3:31
  life.
• 3:33
  Enjoying
• 3:33
  your
• 3:34
  life
• 3:34
  doesn't
• 3:34
  mean
• 3:34
  abandoning
• 3:35
  discipline.
• 3:36
  I
• 3:36
  think
• 3:36
  what
• 3:37
  I'm
• 3:37
  hearing
• 3:37
  you
• 3:37
  say
• 3:38
  is,
• 3:38
  but
• 3:38
  I'm
• 3:38
  doing
• 3:38
  all
• 3:38
  these
• 3:39
  things,
• 3:39
  Ralph.
• 3:39
  But
• 3:39
  if
• 3:39
  I
• 3:40
  do
• 3:40
  these
• 3:40
  things,
• 3:40
  I
• 3:40
  can't
• 3:41
  have
• 3:41
  joy.
• 3:42
  I
• 3:43
  want
• 3:43
  to
• 3:43
  challenge
• 3:43
  that
• 3:43
  right
• 3:44
  now
• 3:44
  because
• 3:44
  I
• 3:44
  think
• 3:44
  you're
• 3:45
  missing
• 3:45
  the
• 3:45
  bigger
• 3:45
  picture
• 3:46
  here.
• 3:47
  You've
• 3:47
  got
• 3:47
  to
• 3:48
  build
• 3:48
  intentional
• 3:49
  enjoyment
• 3:49
  into
• 3:50
  your
• 3:50
  plan.
• 3:51
  I
• 3:51
  think
• 3:51
  that's
• 3:51
  the
• 3:52
  part
• 3:52
  you're
• 3:52
  missing.
• 3:53
  Budget
• 3:54
  for
• 3:54
  those
• 3:54
  hobbies,
• 3:55
  budget
• 3:56
  for
• 3:56
  the
• 3:56
  joy,
• 3:56
  budget
• 3:57
  for
• 3:57
  the
• 3:57
  things
• 3:57
  you
• 3:57
  enjoy,
• 3:58
  budget
• 3:59
  for
• 3:59
  those
• 3:59
  experiences,
• 4:01
  budget
• 4:01
  for
• 4:01
  memory
• 4:02
  making
• 4:03
  those
• 4:03
  opportunities
• 4:04
  you
• 4:04
  never
• 4:04
  have
• 4:05
  again.
• 4:06
  If
• 4:07
  those
• 4:07
  things
• 4:07
  matter
• 4:08
  to
• 4:08
  you,
• 4:09
  if
• 4:09
  they're
• 4:09
  important
• 4:10
  to
• 4:10
  your
• 4:10
  life,
• 4:12
  just
• 4:12
  plan
• 4:12
  for
• 4:13
  it.
• 4:13
  Make
• 4:13
  it
• 4:13
  intentional.
• 4:14
  Build
• 4:15
  that
• 4:15
  joy
• 4:15
  into
• 4:16
  it.
• 4:17
  But
• 4:17
  you
• 4:18
  got
• 4:18
  to
• 4:18
  choose
• 4:18
  enjoyment
• 4:19
  that
• 4:19
  fits
• 4:19
  your
• 4:19
  values.
• 4:21
  Maybe
• 4:21
  you're
• 4:22
  one
• 4:22
  of
• 4:22
  those
• 4:22
  people
• 4:22
  that
• 4:22
  you
• 4:23
  don't
• 4:23
  want
• 4:23
  to
• 4:23
  spend
• 4:23
  a
• 4:23
  lot
• 4:24
  of
• 4:24
  money.
• 4:24
  You're
• 4:24
  a
• 4:24
  frugal
• 4:25
  person.
• 4:26
  Then
• 4:26
  find
• 4:26
  some
• 4:27
  low
• 4:27
  cost
• 4:27
  hobbies,
• 4:29
  find
• 4:29
  some
• 4:30
  meaningful
• 4:30
  experiences,
• 4:31
  maybe
• 4:31
  some
• 4:31
  local
• 4:32
  adventures.
• 4:32
  Maybe
• 4:32
  like
• 4:33
  Ralph,
• 4:33
  I'm
• 4:33
  not
• 4:33
  going
• 4:34
  to
• 4:34
  spend
• 4:34
  a
• 4:34
  lot
• 4:34
  of
• 4:34
  money
• 4:34
  to
• 4:35
  travel.
• 4:35
  That's
• 4:36
  okay.
• 4:36
  There's
• 4:37
  a
• 4:37
  whole
• 4:37
  world
• 4:37
  out
• 4:37
  there
• 4:38
  to
• 4:38
  explore
• 4:38
  right
• 4:39
  in
• 4:39
  your
• 4:39
  own
• 4:39
  backyard.
• 4:41
  Maybe
• 4:41
  for
• 4:41
  you
• 4:41
  it's
• 4:42
  time
• 4:42
  with
• 4:42
  people,
• 4:42
  you
• 4:42
  love
• 4:43
  it.
• 4:43
  It's
• 4:43
  not
• 4:43
  even
• 4:44
  about
• 4:44
  big
• 4:44
  things
• 4:45
  or
• 4:45
  big
• 4:45
  travel.
• 4:45
  It's
• 4:46
  just
• 4:46
  I
• 4:46
  love
• 4:46
  being
• 4:47
  with
• 4:47
  other
• 4:47
  people.
• 4:49
  Joy
• 4:49
  doesn't
• 4:49
  have
• 4:50
  to
• 4:50
  be
• 4:50
  expensive.
• 4:52
  Find
• 4:52
  those
• 4:52
  things
• 4:53
  that
• 4:53
  give
• 4:54
  you
• 4:54
  joy
• 4:54
  in
• 4:55
  your
• 4:55
  life.
• 4:56
  But
• 4:57
  you
• 4:57
  got
• 4:57
  to
• 4:57
  avoid
• 4:57
  that
• 4:58
  arrival
• 4:58
  mindset.
• 4:59
  A
• 5:00
  lot
• 5:00
  of
• 5:00
  people
• 5:00
  get
• 5:00
  stuck
• 5:01
  on
• 5:01
  this.
• 5:01
  When
• 5:01
  I
• 5:01
  arrive,
• 5:02
  I'm
• 5:02
  going
• 5:02
  to
• 5:02
  do
• 5:02
  this.
• 5:03
  When
• 5:03
  I
• 5:03
  arrive,
• 5:03
  I'm
• 5:03
  going
• 5:04
  to
• 5:04
  do
• 5:04
  that.
• 5:06
  Life
• 5:06
  doesn't
• 5:06
  begin
• 5:06
  when
• 5:07
  you
• 5:07
  hit
• 5:07
  that
• 5:07
  magic
• 5:08
  number.
• 5:08
  I
• 5:08
  meet
• 5:09
  with
• 5:09
  people
• 5:09
  all
• 5:09
  the
• 5:09
  time,
• 5:10
  Ralph.
• 5:10
  I'm
• 5:11
  going
• 5:11
  to
• 5:11
  start
• 5:11
  to
• 5:11
  enjoy
• 5:11
  life
• 5:12
  when
• 5:12
  I
• 5:12
  got
• 5:12
  this
• 5:12
  much
• 5:12
  in
• 5:13
  my
• 5:13
  savings
• 5:13
  account,
• 5:13
  or
• 5:14
  I've
• 5:14
  got
• 5:14
  this
• 5:14
  much
• 5:15
  in
• 5:15
  my
• 5:15
  retirement,
• 5:16
  or
• 5:16
  I
• 5:16
  got
• 5:16
  this
• 5:17
  much
• 5:17
  here,
• 5:17
  this
• 5:17
  much
• 5:18
  there.
• 5:19
  Wealth
• 5:20
  is
• 5:20
  not
• 5:20
  the
• 5:20
  starting
• 5:21
  line
• 5:21
  for
• 5:21
  joy.
• 5:23
  You
• 5:23
  got
• 5:23
  to
• 5:23
  enjoy
• 5:24
  life
• 5:24
  now,
• 5:25
  not
• 5:26
  just
• 5:26
  later.
• 5:27
  I
• 5:27
  see
• 5:28
  people
• 5:28
  with
• 5:28
  their
• 5:28
  head
• 5:28
  down
• 5:29
  there
• 5:29
  grinding
• 5:30
  and
• 5:30
  grinding
• 5:30
  and
• 5:30
  grinding.
• 5:31
  And
• 5:31
  I've
• 5:31
  been
• 5:32
  this
• 5:32
  person
• 5:32
  many
• 5:32
  times
• 5:32
  in
• 5:33
  my
• 5:33
  own
• 5:33
  life.
• 5:35
  You
• 5:35
  gotta
• 5:35
  build
• 5:35
  joy
• 5:36
  into
• 5:36
  it.
• 5:37
  Let
• 5:38
  that
• 5:38
  financial
• 5:38
  plan
• 5:39
  serve
• 5:39
  your
• 5:39
  life.
• 5:41
  I've
• 5:41
  said
• 5:41
  it
• 5:41
  on
• 5:41
  the
• 5:42
  show
• 5:42
  many
• 5:42
  times.
• 5:43
  Money
• 5:43
  is
• 5:43
  a
• 5:43
  tool.
• 5:45
  It's
• 5:45
  a
• 5:46
  tool.
• 5:46
  It's
• 5:46
  not
• 5:46
  the
• 5:46
  mission.
• 5:48
  The
• 5:48
  goal
• 5:49
  is
• 5:49
  not
• 5:49
  just
• 5:49
  accumulation.
• 5:51
  The
• 5:51
  goal
• 5:51
  is
• 5:52
  well
• 5:52
  stewarded
• 5:53
  life.
• 5:53
  That's
• 5:54
  not
• 5:54
  just
• 5:54
  money.
• 5:55
  That's
• 5:55
  well
• 5:55
  stewarded
• 5:57
  mentally,
• 5:57
  that's
• 5:58
  well
• 5:58
  steward
• 5:59
  spiritually,
• 6:00
  that's
• 6:00
  well
• 6:00
  steward
• 6:01
  relationship
• 6:02
  wise.
• 6:03
  All
• 6:04
  of
• 6:04
  those
• 6:04
  things
• 6:04
  together.
• 6:04
  Not
• 6:05
  just
• 6:05
  the
• 6:05
  money
• 6:05
  side,
• 6:07
  but
• 6:07
  let's
• 6:08
  take
• 6:08
  this
• 6:08
  a
• 6:08
  little
• 6:08
  deeper
• 6:10
  because
• 6:10
  sometimes
• 6:10
  the
• 6:11
  fear
• 6:11
  underneath
• 6:11
  of
• 6:12
  all
• 6:12
  of
• 6:12
  this
• 6:12
  and
• 6:13
  I
• 6:13
  listen,
• 6:13
  I've
• 6:13
  been
• 6:14
  guilty
• 6:14
  of
• 6:14
  this
• 6:14
  myself.
• 6:16
  How
• 6:16
  many
• 6:16
  times
• 6:16
  have
• 6:17
  you
• 6:17
  said
• 6:17
  to
• 6:17
  yourself,
• 6:17
  if
• 6:18
  I
• 6:18
  relax
• 6:18
  too
• 6:18
  much,
• 6:19
  I'm
• 6:19
  going
• 6:19
  to
• 6:19
  fall
• 6:19
  behind.
• 6:21
  I
• 6:22
  can't
• 6:22
  take
• 6:22
  a
• 6:22
  break.
• 6:22
  I
• 6:23
  got
• 6:23
  to
• 6:23
  keep
• 6:23
  plowing.
• 6:23
  I
• 6:23
  got
• 6:23
  to
• 6:23
  keep
• 6:24
  pushing.
• 6:24
  I
• 6:24
  got
• 6:24
  to
• 6:24
  keep
• 6:24
  pushing.
• 6:26
  So
• 6:26
  you
• 6:26
  keep
• 6:26
  pushing,
• 6:27
  keep
• 6:28
  saving,
• 6:29
  keep
• 6:29
  postponing
• 6:30
  joy
• 6:30
  for
• 6:30
  a
• 6:30
  future
• 6:31
  version
• 6:31
  of
• 6:31
  life.
• 6:34
  But
• 6:34
  God
• 6:34
  didn't
• 6:34
  create
• 6:35
  you
• 6:35
  like
• 6:35
  that.
• 6:36
  God
• 6:36
  didn't
• 6:36
  create
• 6:37
  you
• 6:37
  to
• 6:37
  merely
• 6:38
  survive
• 6:38
  until
• 6:39
  retirement.
• 6:40
  He's
• 6:41
  provided
• 6:41
  all
• 6:42
  this
• 6:42
  for
• 6:42
  us,
• 6:42
  the
• 6:43
  joy
• 6:43
  all
• 6:43
  around
• 6:43
  us.
• 6:46
  Help
• 6:46
  him
• 6:46
  to
• 6:46
  ask
• 6:47
  him
• 6:47
  to
• 6:47
  help
• 6:47
  you
• 6:47
  steward
• 6:48
  that
• 6:48
  Wazi
• 6:48
  while
• 6:49
  still
• 6:49
  receiving
• 6:49
  the
• 6:50
  life
• 6:50
  you've
• 6:50
  been
• 6:51
  given
• 6:51
  today.
• 6:53
  This
• 6:53
  isn't
• 6:54
  some
• 6:54
  freak
• 6:54
  accident.
• 6:55
  God
• 6:56
  has
• 6:56
  intended
• 6:56
  for
• 6:57
  your
• 6:57
  life
• 6:57
  to
• 6:57
  be
• 6:57
  what
• 6:57
  it
• 6:58
  is.
• 6:59
  You
• 6:59
  don't
• 6:59
  have
• 6:59
  to
• 7:00
  wait
• 7:00
  until
• 7:00
  some
• 7:00
  finish
• 7:01
  line
• 7:01
  to
• 7:01
  enjoy
• 7:02
  the
• 7:02
  race.
• 7:04
  Enjoy
• 7:04
  the
• 7:04
  race
• 7:05
  while
• 7:05
  you're
• 7:05
  running
• 7:05
  it.
• 7:06
  I
• 7:06
  talked
• 7:06
  to
• 7:06
  marathon
• 7:07
  runner
• 7:07
  one
• 7:07
  time,
• 7:07
  I
• 7:08
  said,
• 7:08
  tell
• 7:08
  me
• 7:08
  about
• 7:08
  the
• 7:09
  when
• 7:09
  you
• 7:09
  get
• 7:09
  to
• 7:09
  the
• 7:09
  end
• 7:09
  of
• 7:09
  the
• 7:09
  race,
• 7:10
  he
• 7:10
  goes,
• 7:10
  ralph,
• 7:10
  that's
• 7:10
  not
• 7:11
  where
• 7:11
  the
• 7:11
  joy
• 7:11
  is.
• 7:12
  He
• 7:12
  said,
• 7:13
  the
• 7:13
  joy
• 7:13
  is
• 7:13
  in
• 7:14
  every
• 7:14
  step
• 7:14
  of
• 7:14
  the
• 7:15
  way.
• 7:17
  Make
• 7:17
  your
• 7:17
  life
• 7:17
  look
• 7:18
  like
• 7:18
  that
• 7:18
  too.
• 7:20
  So
• 7:20
  here's
• 7:20
  my
• 7:20
  one
• 7:20
  win
• 7:21
  for
• 7:21
  today.
• 7:21
  I
• 7:21
  always
• 7:21
  want
• 7:21
  to
• 7:22
  give
• 7:22
  you
• 7:22
  a
• 7:22
  takeaway.
• 7:23
  I
• 7:23
  want
• 7:24
  you
• 7:24
  to
• 7:24
  write
• 7:24
  down
• 7:24
  one
• 7:25
  life
• 7:25
  giving
• 7:25
  activity,
• 7:27
  just
• 7:27
  one
• 7:27
  thing
• 7:28
  that
• 7:29
  brings
• 7:29
  your
• 7:29
  life
• 7:30
  value
• 7:30
  and
• 7:30
  add
• 7:30
  it
• 7:31
  intentionally
• 7:31
  to
• 7:31
  your
• 7:31
  budget
• 7:32
  or
• 7:32
  put
• 7:32
  it
• 7:33
  on
• 7:33
  your
• 7:33
  calendar
• 7:33
  because
• 7:33
  it
• 7:33
  might
• 7:34
  not
• 7:34
  cost
• 7:34
  anything.
• 7:35
  I'm
• 7:35
  not
• 7:36
  saying
• 7:36
  you
• 7:36
  have
• 7:36
  to
• 7:36
  go
• 7:36
  out
• 7:36
  and
• 7:36
  spend
• 7:37
  money
• 7:37
  today,
• 7:38
  but
• 7:38
  be
• 7:38
  intentional
• 7:39
  about
• 7:39
  it.
• 7:40
  Make
• 7:41
  the
• 7:41
  time
• 7:41
  for
• 7:41
  it,
• 7:41
  make
• 7:42
  the
• 7:42
  money
• 7:42
  for
• 7:42
  it,
• 7:43
  put
• 7:43
  the
• 7:43
  budget
• 7:43
  aside
• 7:44
  for
• 7:44
  it.
• 7:44
  But
• 7:45
  write
• 7:45
  down
• 7:45
  one
• 7:46
  life
• 7:46
  giving
• 7:46
  activity
• 7:48
  and
• 7:48
  make
• 7:48
  sure
• 7:48
  you
• 7:48
  go
• 7:49
  do
• 7:49
  it.
• 7:50
  Let's
• 7:50
  get
• 7:50
  to
• 7:50
  our
• 7:51
  Bible
• 7:51
  verse
• 7:51
  for
• 7:51
  today.
• 7:52
  It
• 7:52
  comes
• 7:52
  to
• 7:52
  us
• 7:53
  from
• 7:53
  the
• 7:53
  book
• 7:53
  of
• 7:53
  Ecclesiastes
• 7:54
  chapter
• 7:55
  3,
• 7:55
  verse
• 7:55
  13.
• 7:57
  It
• 7:57
  says
• 7:58
  this
• 7:58
  that
• 7:58
  each
• 7:58
  of
• 7:58
  them
• 7:59
  may
• 7:59
  eat
• 7:59
  and
• 8:00
  drink
• 8:00
  and
• 8:00
  find
• 8:01
  satisfaction
• 8:02
  in
• 8:02
  all
• 8:02
  their
• 8:02
  toil.
• 8:03
  This
• 8:04
  is
• 8:04
  the
• 8:04
  gift
• 8:04
  of
• 8:05
  God.
• 8:06
  And
• 8:06
  I
• 8:07
  love
• 8:07
  this
• 8:07
  verse.
• 8:08
  Eat,
• 8:09
  drink,
• 8:10
  find
• 8:11
  satisfaction
• 8:12
  in
• 8:12
  their
• 8:12
  toil
• 8:13
  being
• 8:13
  a
• 8:14
  gift
• 8:14
  from
• 8:14
  God.
• 8:15
  God
• 8:16
  wants
• 8:16
  you
• 8:16
  to
• 8:16
  find
• 8:17
  joy
• 8:17
  in
• 8:17
  the
• 8:17
  life
• 8:17
  you're
• 8:18
  building.
• 8:18
  Not
• 8:19
  only
• 8:19
  in
• 8:19
  the
• 8:19
  results
• 8:20
  of
• 8:20
  it.
• 8:20
  Someday.
• 8:22
  Don't
• 8:22
  be
• 8:23
  that
• 8:23
  person
• 8:23
  that
• 8:23
  lives
• 8:23
  for
• 8:24
  someday.
• 8:24
  Live
• 8:24
  for
• 8:25
  today.
• 8:25
  Enjoy
• 8:25
  today.
• 8:26
  Find
• 8:26
  joy
• 8:26
  in
• 8:27
  the
• 8:27
  journey.
• 8:28
  Let's
• 8:28
  pray
• 8:29
  together.
• 8:30
  Heavenly
• 8:31
  Father,
• 8:31
  I
• 8:31
  just
• 8:31
  want
• 8:31
  to
• 8:31
  lift
• 8:32
  up
• 8:32
  that
• 8:32
  person
• 8:32
  trying
• 8:33
  to
• 8:33
  steward
• 8:33
  wisely
• 8:34
  while
• 8:35
  they're
• 8:35
  still
• 8:35
  wanting
• 8:35
  to
• 8:36
  enjoy
• 8:36
  the
• 8:36
  life
• 8:36
  you've
• 8:37
  given
• 8:37
  them.
• 8:38
  And
• 8:38
  Lord,
• 8:39
  if
• 8:39
  it's
• 8:39
  possible,
• 8:39
  help
• 8:40
  them
• 8:40
  to
• 8:40
  find
• 8:40
  a
• 8:40
  healthy
• 8:41
  balance.
• 8:41
  Doing
• 8:41
  that.
• 8:43
  Continue
• 8:43
  to
• 8:43
  Help
• 8:43
  them
• 8:44
  to
• 8:44
  build
• 8:44
  faithfully
• 8:45
  without
• 8:45
  postponing
• 8:46
  every
• 8:46
  good
• 8:47
  thing,
• 8:47
  Lord,
• 8:48
  and
• 8:48
  give
• 8:49
  us
• 8:49
  all
• 8:49
  wisdom
• 8:49
  to
• 8:50
  enjoy
• 8:50
  life
• 8:50
  with
• 8:50
  intention,
• 8:51
  with
• 8:51
  gratitude
• 8:52
  and
• 8:53
  sure,
• 8:53
  with
• 8:53
  some
• 8:53
  restraint.
• 8:55
  Protect
• 8:56
  us
• 8:56
  from
• 8:56
  both
• 8:56
  of
• 8:56
  those
• 8:57
  extremes.
• 8:57
  Protect
• 8:58
  us
• 8:58
  from
• 8:58
  reckless
• 8:58
  living
• 8:59
  and
• 8:59
  Lord,
• 9:00
  protect
• 9:00
  us
• 9:01
  from
• 9:01
  joyless
• 9:01
  surviving
• 9:02
  and
• 9:02
  joyless
• 9:02
  striving
• 9:03
  as
• 9:03
  well.
• 9:05
  Help
• 9:05
  us
• 9:05
  build
• 9:05
  a
• 9:05
  life
• 9:06
  that
• 9:06
  honors
• 9:06
  you
• 9:07
  now,
• 9:07
  not
• 9:08
  just
• 9:08
  someday.
• 9:10
  And
• 9:10
  I
• 9:10
  ask
• 9:10
  this
• 9:10
  in
• 9:11
  Jesus
• 9:11
  name.
• 9:13
  Amen,
• 9:15
  friend.
• 9:16
  Faithful
• 9:16
  stewardship
• 9:17
  includes
• 9:17
  enjoying
• 9:18
  the
• 9:18
  life
• 9:18
  you're
• 9:18
  building
• 9:19
  today.
• 9:21
  So
• 9:21
  go
• 9:21
  out
• 9:21
  there
• 9:22
  and
• 9:22
  enjoy
• 9:22
  that
• 9:22
  life
• 9:22
  that
• 9:22
  you're
• 9:23
  building
• 9:23
  today.
• 9:23
  Find
• 9:23
  joy
• 9:24
  in
• 9:24
  the
• 9:24
  journey.
• 9:24
  Maybe
• 9:25
  that's
• 9:25
  today's
• 9:25
  big
• 9:25
  gig.
• 9:26
  Joy
• 9:26
  in
• 9:27
  the
• 9:27
  journey.
• 9:28
  And
• 9:29
  maybe
• 9:29
  you've
• 9:29
  got
• 9:29
  a
• 9:29
  financial
• 9:30
  question
• 9:30
  you
• 9:30
  need
• 9:31
  some
• 9:31
  help
• 9:31
  with.
• 9:31
  Maybe
• 9:31
  you're
• 9:31
  wrestling
• 9:32
  with
• 9:32
  something
• 9:32
  like
• 9:32
  Ralph,
• 9:33
  I
• 9:33
  just
• 9:33
  don't
• 9:33
  know
• 9:33
  what
• 9:34
  to
• 9:34
  do.
• 9:35
  That's
• 9:35
  why
• 9:35
  I'm
• 9:35
  here.
• 9:36
  That's
• 9:36
  my
• 9:36
  gift
• 9:36
  to
• 9:36
  you.
• 9:37
  Go
• 9:37
  to
• 9:38
  financiallyconfidentchristian.com/question
• 9:42
  Put
• 9:42
  a
• 9:42
  link
• 9:42
  to
• 9:42
  that
• 9:42
  in
• 9:42
  the
• 9:42
  show
• 9:42
  notes,
• 9:43
  but
• 9:43
  let's
• 9:43
  keep
• 9:43
  the
• 9:44
  conversation
• 9:44
  going.
• 9:45
  Again,
• 9:45
  go
• 9:45
  to
• 9:46
  financiallyconfidentchristian.com/question
• 9:50
  I
• 9:50
  just
• 9:50
  want
• 9:50
  to
• 9:50
  thank
• 9:51
  you
• 9:51
  so
• 9:51
  much
• 9:51
  for
• 9:51
  joining
• 9:52
  me
• 9:52
  today.
• 9:53
  I
• 9:53
  love
• 9:53
  answering
• 9:54
  questions
• 9:54
  like
• 9:54
  this.
• 9:55
  I
• 9:55
  love
• 9:55
  helping
• 9:56
  people
• 9:56
  on
• 9:56
  their
• 9:56
  journey.
• 9:57
  It's
• 9:57
  what
• 9:57
  brings
• 9:58
  satisfaction
• 9:58
  in
• 9:59
  my
• 9:59
  life.
• 9:59
  I
• 9:59
  know
• 9:59
  that's
• 10:00
  my
• 10:00
  purpose.
• 10:01
  So
• 10:01
  stay
• 10:02
  financially
• 10:02
  savvy
• 10:03
  today.
• 10:03
  May
• 10:03
  God
• 10:03
  bless
• 10:04
  you
• 10:04
  and
• 10:05
  you
• 10:05
  have
• 10:05
  a
• 10:05
  truly
• 10:06
  blessed
• 10:06
  day
• 10:06
  today.