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How Should You Handle Office Parties and Gift Swaps? · Becoming Financially Confident

• 0:38
  Ralph,
• 0:38
  I
• 0:38
  want
• 0:38
  to
• 0:38
  join
• 0:38
  any
• 0:39
  office
• 0:39
  Christmas
• 0:39
  party
• 0:39
  at
• 0:40
  work
• 0:40
  and
• 0:40
  a
• 0:40
  secret
• 0:41
  sand
• 0:41
  exchange
• 0:41
  as
• 0:41
  well.
• 0:42
  But
• 0:42
  everything
• 0:43
  adds
• 0:43
  up
• 0:43
  so
• 0:44
  fast.
• 0:44
  How
• 0:45
  can
• 0:45
  I
• 0:45
  still
• 0:45
  participate
• 0:46
  without
• 0:46
  overspending
• 0:47
  or
• 0:47
  feeling
• 0:47
  awkward?
• 0:48
  I
• 0:49
  got
• 0:49
  that
• 0:49
  question.
• 0:49
  I
• 0:49
  said,
• 0:49
  you
• 0:49
  know
• 0:50
  what,
• 0:50
  that's
• 0:50
  a
• 0:50
  really
• 0:50
  good
• 0:50
  point.
• 0:50
  I
• 0:51
  have
• 0:51
  a
• 0:51
  small
• 0:51
  office
• 0:52
  so
• 0:52
  we
• 0:52
  don't
• 0:52
  do
• 0:52
  the
• 0:53
  whole
• 0:53
  Secret
• 0:53
  Santa
• 0:54
  and
• 0:54
  all
• 0:54
  those
• 0:54
  sort
• 0:55
  of
• 0:55
  things.
• 0:55
  But
• 0:55
  I
• 0:55
  had
• 0:56
  Abby,
• 0:56
  my
• 0:56
  producer
• 0:57
  put
• 0:57
  together
• 0:57
  some
• 0:57
  statistics.
• 0:58
  Listen
• 0:58
  to
• 0:58
  this.
• 0:58
  The
• 0:59
  average
• 0:59
  employee
• 1:00
  spends
• 1:00
  between
• 1:01
  30
• 1:01
  and
• 1:01
  $50
• 1:02
  on
• 1:02
  gifts
• 1:03
  for
• 1:03
  co
• 1:03
  workers
• 1:03
  each
• 1:04
  Christmas.
• 1:05
  Listen
• 1:05
  to
• 1:05
  this
• 1:05
  one.
• 1:06
  About
• 1:06
  60%
• 1:07
  of
• 1:07
  workplaces
• 1:08
  host
• 1:08
  a
• 1:08
  Secret
• 1:09
  Santa
• 1:09
  or
• 1:09
  holiday
• 1:10
  gift
• 1:10
  exchange.
• 1:10
  I
• 1:10
  think
• 1:11
  that's
• 1:11
  a
• 1:11
  good
• 1:11
  thing.
• 1:12
  But
• 1:12
  think
• 1:12
  about
• 1:13
  how
• 1:13
  much
• 1:13
  this
• 1:13
  is
• 1:13
  costing.
• 1:13
  And
• 1:14
  many
• 1:14
  employees.
• 1:14
  Listen
• 1:15
  to
• 1:15
  this
• 1:15
  one.
• 1:16
  Many
• 1:16
  employees
• 1:16
  spend
• 1:17
  another
• 1:17
  75
• 1:18
  to
• 1:18
  $150
• 1:19
  on
• 1:19
  office
• 1:20
  parties.
• 1:20
  I'm
• 1:21
  talking
• 1:21
  about
• 1:21
  for
• 1:21
  food
• 1:21
  and
• 1:22
  hey,
• 1:22
  you
• 1:22
  gotta
• 1:22
  have
• 1:22
  the
• 1:22
  nicest
• 1:23
  outfit,
• 1:23
  right?
• 1:24
  And
• 1:24
  travel
• 1:24
  to
• 1:25
  those
• 1:25
  things.
• 1:26
  And
• 1:26
  nearly
• 1:27
  one
• 1:27
  in
• 1:27
  three
• 1:27
  workers,
• 1:28
  one
• 1:28
  in
• 1:28
  three
• 1:29
  say
• 1:29
  workplace
• 1:30
  holiday
• 1:30
  cost,
• 1:30
  add
• 1:31
  unexpected
• 1:31
  financial
• 1:32
  stress
• 1:32
  in
• 1:32
  December.
• 1:34
  So
• 1:34
  here's
• 1:34
  the
• 1:34
  deal.
• 1:35
  Workplace
• 1:35
  celebrations
• 1:36
  should
• 1:36
  bring
• 1:36
  joy.
• 1:37
  They
• 1:37
  should
• 1:37
  bring
• 1:38
  togetherness
• 1:39
  and
• 1:39
  community,
• 1:40
  not
• 1:40
  financial
• 1:41
  pressure.
• 1:41
  You
• 1:42
  can
• 1:42
  show
• 1:42
  generosity
• 1:43
  and
• 1:43
  professionalism
• 1:44
  without
• 1:44
  draining
• 1:44
  your
• 1:44
  wallet.
• 1:45
  And
• 1:45
  I've
• 1:45
  got
• 1:45
  answers
• 1:45
  on
• 1:46
  today's
• 1:46
  show
• 1:46
  to
• 1:46
  help
• 1:47
  you
• 1:47
  navigate
• 1:47
  this
• 1:48
  with
• 1:48
  success.
• 1:51
  This
• 1:51
  is
• 1:51
  Financially
• 1:52
  Confident
• 1:52
  Christian,
• 1:53
  your
• 1:53
  daily
• 1:53
  dose
• 1:54
  of
• 1:54
  gospel
• 1:54
  grounded
• 1:55
  insight
• 1:55
  and
• 1:55
  faith
• 1:56
  driven
• 1:56
  tips
• 1:57
  to
• 1:57
  help
• 1:57
  you
• 1:57
  break
• 1:58
  the
• 1:58
  cycle
• 1:58
  of
• 1:58
  financial
• 1:59
  shame
• 1:59
  with
• 1:59
  confidence.
• 2:02
  Hello
• 2:03
  there.
• 2:03
  Welcome
• 2:03
  to
• 2:03
  the
• 2:03
  show.
• 2:04
  I'm
• 2:04
  Ralph.
• 2:04
  Thank
• 2:04
  you
• 2:04
  for
• 2:05
  joining
• 2:05
  me
• 2:05
  again
• 2:05
  today
• 2:05
  on
• 2:06
  our
• 2:06
  daily
• 2:06
  Financially
• 2:07
  Confident
• 2:07
  Christian
• 2:08
  where
• 2:08
  every
• 2:08
  day
• 2:08
  my
• 2:09
  goal
• 2:09
  is
• 2:09
  to
• 2:09
  help
• 2:09
  you
• 2:10
  break
• 2:10
  that
• 2:10
  cycle
• 2:11
  of
• 2:11
  financial
• 2:11
  shame
• 2:12
  and
• 2:12
  do
• 2:12
  it
• 2:12
  with
• 2:13
  confidence.
• 2:13
  And
• 2:13
  today
• 2:13
  we're
• 2:13
  talking
• 2:14
  about
• 2:14
  office
• 2:14
  parties
• 2:15
  as
• 2:15
  we
• 2:15
  continue
• 2:16
  in
• 2:16
  that
• 2:16
  finding
• 2:17
  joy
• 2:17
  in
• 2:17
  the
• 2:17
  holiday
• 2:18
  season
• 2:18
  without
• 2:18
  going
• 2:19
  broke.
• 2:19
  And
• 2:19
  I
• 2:19
  want
• 2:19
  to
• 2:19
  share
• 2:20
  a
• 2:20
  story
• 2:20
  about
• 2:20
  a
• 2:21
  good
• 2:21
  friend
• 2:21
  of
• 2:21
  mine
• 2:21
  named
• 2:22
  Brooke.
• 2:22
  Now
• 2:22
  Brooke
• 2:23
  shared
• 2:23
  this
• 2:23
  with
• 2:23
  me.
• 2:23
  I
• 2:24
  was
• 2:24
  planning
• 2:24
  for
• 2:24
  the
• 2:24
  show
• 2:25
  last
• 2:25
  week
• 2:25
  and
• 2:25
  she
• 2:25
  said,
• 2:25
  Ralph,
• 2:26
  these
• 2:26
  office
• 2:27
  parties
• 2:27
  have
• 2:27
  gotten
• 2:27
  out
• 2:28
  of
• 2:28
  control.
• 2:28
  She
• 2:28
  said,
• 2:28
  Ralph,
• 2:29
  truth
• 2:29
  is,
• 2:29
  look,
• 2:30
  last
• 2:30
  year
• 2:30
  I
• 2:31
  spent
• 2:31
  more
• 2:31
  on
• 2:32
  all
• 2:32
  this
• 2:32
  holiday
• 2:33
  events
• 2:33
  than
• 2:33
  I
• 2:33
  spent
• 2:34
  on
• 2:34
  my
• 2:34
  own
• 2:34
  family's
• 2:35
  gifts.
• 2:36
  She
• 2:36
  said,
• 2:36
  I
• 2:37
  can't
• 2:37
  do
• 2:37
  that
• 2:37
  again.
• 2:38
  So
• 2:38
  she
• 2:38
  said,
• 2:38
  you
• 2:38
  know
• 2:38
  what
• 2:39
  I'm
• 2:39
  doing
• 2:39
  for
• 2:39
  this
• 2:39
  year?
• 2:39
  She
• 2:39
  said,
• 2:40
  I'm
• 2:40
  planning
• 2:40
  some
• 2:40
  things.
• 2:41
  I'm
• 2:41
  going
• 2:41
  to
• 2:41
  bake
• 2:41
  some
• 2:42
  homemade
• 2:42
  treats.
• 2:42
  She
• 2:43
  likes
• 2:43
  to
• 2:43
  cook.
• 2:43
  She
• 2:43
  likes
• 2:43
  to
• 2:44
  make
• 2:44
  some
• 2:44
  wonderful
• 2:44
  chocolate
• 2:45
  chip
• 2:45
  cookies.
• 2:45
  Not
• 2:46
  good
• 2:46
  for
• 2:46
  me,
• 2:46
  but
• 2:46
  man,
• 2:46
  they
• 2:47
  look
• 2:47
  fantastic.
• 2:48
  And
• 2:48
  when
• 2:49
  she's
• 2:49
  going
• 2:49
  to
• 2:49
  do
• 2:49
  this,
• 2:49
  she
• 2:50
  says,
• 2:50
  ralph,
• 2:50
  I'll
• 2:50
  bet
• 2:50
  I'll
• 2:51
  get
• 2:51
  more
• 2:51
  compliments
• 2:51
  than
• 2:52
  ever.
• 2:53
  And
• 2:53
  I
• 2:53
  said,
• 2:53
  Brooke,
• 2:54
  that's
• 2:54
  a
• 2:54
  great
• 2:54
  mindset
• 2:55
  because
• 2:55
  that's
• 2:55
  the
• 2:55
  key.
• 2:56
  I
• 2:56
  think
• 2:56
  today's
• 2:56
  episode
• 2:57
  really
• 2:57
  focuses
• 2:58
  on
• 2:58
  one
• 2:58
  thing,
• 2:59
  your
• 2:59
  mindset.
• 3:00
  You
• 3:00
  got
• 3:00
  to
• 3:01
  remember,
• 3:01
  this
• 3:01
  isn't
• 3:02
  a
• 3:02
  competition.
• 3:02
  I
• 3:03
  think
• 3:03
  so
• 3:03
  many
• 3:03
  times
• 3:04
  in
• 3:04
  the
• 3:04
  office
• 3:04
  gift
• 3:05
  world,
• 3:05
  it
• 3:05
  becomes
• 3:06
  a
• 3:06
  competition.
• 3:07
  It's
• 3:07
  that
• 3:07
  comparison
• 3:07
  trap
• 3:08
  we
• 3:08
  talk
• 3:08
  about
• 3:08
  on
• 3:08
  the
• 3:08
  show
• 3:09
  all
• 3:09
  the
• 3:09
  time.
• 3:10
  Which
• 3:10
  leads
• 3:11
  me
• 3:11
  to
• 3:11
  a
• 3:11
  quote
• 3:11
  from
• 3:11
  leadership
• 3:12
  author
• 3:12
  John
• 3:13
  Maxwell.
• 3:14
  And
• 3:14
  I
• 3:14
  think
• 3:14
  this
• 3:15
  one
• 3:15
  is
• 3:15
  one
• 3:15
  we
• 3:16
  can
• 3:16
  hang
• 3:16
  our
• 3:16
  hats
• 3:16
  on
• 3:16
  today.
• 3:18
  People
• 3:18
  don't
• 3:18
  care
• 3:18
  how
• 3:19
  much
• 3:19
  you
• 3:19
  spend.
• 3:20
  They
• 3:20
  care
• 3:21
  how
• 3:21
  much
• 3:21
  you
• 3:21
  care.
• 3:23
  And
• 3:23
  I'm
• 3:23
  going
• 3:23
  to
• 3:23
  tell
• 3:23
  you
• 3:23
  right
• 3:23
  now
• 3:24
  a
• 3:24
  little
• 3:24
  truth
• 3:24
  here.
• 3:26
  I'm
• 3:26
  not
• 3:26
  great
• 3:26
  at
• 3:26
  gift
• 3:27
  giving
• 3:27
  and
• 3:27
  my
• 3:27
  wife
• 3:27
  is.
• 3:28
  She's
• 3:28
  nailed
• 3:28
  me
• 3:28
  on
• 3:28
  this
• 3:29
  one
• 3:29
  many
• 3:29
  times.
• 3:30
  We
• 3:30
  got
• 3:30
  to
• 3:31
  embrace
• 3:31
  that
• 3:31
  today.
• 3:31
  People
• 3:32
  don't
• 3:32
  care
• 3:32
  how
• 3:32
  much
• 3:33
  you
• 3:33
  spend.
• 3:34
  They
• 3:34
  care
• 3:34
  about
• 3:35
  how
• 3:35
  much
• 3:35
  you
• 3:35
  care.
• 3:36
  So
• 3:36
  let's
• 3:37
  get
• 3:37
  to
• 3:37
  today's
• 3:37
  question.
• 3:38
  This
• 3:38
  is
• 3:38
  a
• 3:39
  great
• 3:39
  question.
• 3:39
  How
• 3:40
  can
• 3:40
  I
• 3:40
  still
• 3:40
  participate
• 3:41
  without
• 3:41
  overspending
• 3:42
  and
• 3:42
  feeling
• 3:43
  awkward?
• 3:43
  Well,
• 3:43
  I've
• 3:43
  got
• 3:44
  some
• 3:44
  tips
• 3:44
  for
• 3:44
  you
• 3:44
  today.
• 3:44
  Number
• 3:45
  one
• 3:45
  thing,
• 3:45
  a
• 3:45
  lot
• 3:46
  of
• 3:46
  people
• 3:46
  don't
• 3:46
  think
• 3:46
  about
• 3:46
  this.
• 3:47
  You
• 3:47
  plan
• 3:48
  for
• 3:48
  your
• 3:48
  relatives,
• 3:48
  you
• 3:49
  plan
• 3:49
  for
• 3:49
  your
• 3:49
  friends,
• 3:50
  plan
• 3:50
  your
• 3:51
  spending
• 3:51
  for
• 3:51
  these
• 3:51
  two.
• 3:52
  Plan
• 3:52
  those
• 3:53
  office
• 3:53
  events.
• 3:54
  You
• 3:54
  know
• 3:54
  it's
• 3:55
  coming
• 3:55
  up.
• 3:55
  It's
• 3:55
  not
• 3:55
  going
• 3:56
  to
• 3:56
  be
• 3:56
  a
• 3:56
  big
• 3:56
  surprise
• 3:57
  to
• 3:57
  you.
• 3:57
  So
• 3:57
  plan
• 3:58
  for
• 3:58
  those
• 3:58
  things.
• 3:59
  Set
• 3:59
  a
• 3:59
  budget
• 3:59
  for
• 4:00
  that.
• 4:00
  Add
• 4:00
  it
• 4:00
  to
• 4:00
  your
• 4:00
  overall
• 4:01
  holiday
• 4:01
  budget.
• 4:01
  And
• 4:02
  listen,
• 4:02
  set
• 4:02
  that
• 4:03
  and
• 4:03
  don't
• 4:03
  exceed
• 4:03
  it.
• 4:03
  Just
• 4:04
  say,
• 4:04
  this
• 4:04
  is
• 4:04
  what
• 4:04
  I'm
• 4:04
  going
• 4:05
  to
• 4:05
  do.
• 4:05
  That's
• 4:05
  the
• 4:06
  first
• 4:06
  thing.
• 4:06
  Nothing
• 4:06
  you
• 4:07
  can
• 4:07
  do
• 4:07
  like
• 4:08
  Brooke
• 4:08
  is
• 4:08
  doing.
• 4:08
  Be
• 4:09
  creative.
• 4:09
  You
• 4:10
  can
• 4:10
  do
• 4:10
  homemade
• 4:10
  gifts.
• 4:11
  People
• 4:11
  love
• 4:11
  that
• 4:12
  stuff.
• 4:12
  Maybe
• 4:13
  make
• 4:13
  a
• 4:13
  point
• 4:14
  of
• 4:14
  writing
• 4:14
  handwritten
• 4:15
  notes
• 4:15
  to
• 4:15
  all
• 4:15
  the
• 4:15
  people
• 4:16
  that
• 4:16
  really
• 4:16
  impacted
• 4:17
  you
• 4:17
  this
• 4:17
  year
• 4:18
  because
• 4:18
  that's
• 4:18
  so
• 4:18
  much
• 4:18
  more
• 4:19
  meaningful
• 4:19
  and
• 4:19
  memorable
• 4:20
  to
• 4:20
  them.
• 4:21
  Because
• 4:21
  remember
• 4:22
  what
• 4:22
  the
• 4:22
  author
• 4:23
  said.
• 4:23
  The
• 4:24
  key
• 4:24
  is
• 4:24
  impact,
• 4:25
  not
• 4:25
  the
• 4:25
  cost.
• 4:25
  They
• 4:26
  want
• 4:26
  to
• 4:26
  know
• 4:26
  you
• 4:26
  care.
• 4:27
  Which
• 4:27
  leads
• 4:28
  me
• 4:28
  to
• 4:28
  this
• 4:28
  again,
• 4:28
  I
• 4:29
  probably
• 4:29
  said
• 4:29
  this
• 4:29
  10
• 4:30
  times
• 4:30
  already
• 4:30
  in
• 4:30
  our
• 4:30
  series.
• 4:31
  It's
• 4:32
  all
• 4:32
  about
• 4:32
  your
• 4:33
  presence,
• 4:34
  not
• 4:34
  the
• 4:34
  presence.
• 4:35
  And
• 4:36
  see,
• 4:36
  if
• 4:36
  you're
• 4:36
  so
• 4:36
  worried
• 4:37
  about
• 4:37
  competing
• 4:37
  with
• 4:37
  everybody,
• 4:38
  if
• 4:38
  you're
• 4:38
  so
• 4:38
  worried
• 4:38
  about
• 4:39
  being
• 4:39
  awkward
• 4:40
  and
• 4:40
  not
• 4:40
  having
• 4:40
  enough
• 4:41
  money
• 4:41
  and
• 4:41
  so
• 4:42
  concerned
• 4:42
  about
• 4:42
  the
• 4:43
  comparison
• 4:43
  thing,
• 4:44
  it
• 4:44
  drains
• 4:45
  the
• 4:45
  joy
• 4:45
  away
• 4:46
  from
• 4:46
  it.
• 4:47
  When
• 4:47
  you
• 4:47
  can
• 4:47
  have
• 4:47
  that
• 4:48
  joy,
• 4:48
  when
• 4:48
  you
• 4:48
  can
• 4:48
  have
• 4:48
  those
• 4:49
  conversations,
• 4:49
  when
• 4:50
  you
• 4:50
  can
• 4:50
  encourage
• 4:51
  people,
• 4:52
  that's
• 4:52
  really
• 4:53
  true
• 4:53
  generosity.
• 4:55
  Here's
• 4:55
  one
• 4:55
  other
• 4:55
  thing
• 4:55
  I'm
• 4:56
  going
• 4:56
  to
• 4:56
  recommend
• 4:56
  that
• 4:56
  you
• 4:56
  do.
• 4:57
  The
• 4:58
  Meghan
• 4:58
  Trainor
• 4:58
  says
• 4:59
  Just
• 4:59
  say
• 4:59
  no
• 4:59
  song.
• 5:00
  Well,
• 5:00
  I
• 5:00
  think
• 5:00
  you
• 5:01
  need
• 5:01
  to
• 5:01
  do
• 5:01
  the
• 5:01
  same
• 5:01
  thing.
• 5:02
  Practice
• 5:02
  saying
• 5:03
  no.
• 5:03
  Sometimes
• 5:04
  there's
• 5:04
  so
• 5:04
  much
• 5:05
  going
• 5:05
  on
• 5:05
  at
• 5:05
  the
• 5:05
  holidays,
• 5:06
  you
• 5:06
  just
• 5:06
  got
• 5:06
  to
• 5:06
  decline
• 5:07
  some
• 5:07
  optional
• 5:07
  events.
• 5:08
  You
• 5:08
  know,
• 5:09
  say,
• 5:09
  look,
• 5:09
  I
• 5:09
  can't
• 5:09
  do
• 5:10
  that
• 5:10
  this
• 5:10
  year.
• 5:10
  I'm
• 5:11
  going
• 5:11
  to
• 5:11
  do
• 5:11
  this
• 5:11
  one,
• 5:11
  but
• 5:11
  not
• 5:12
  this
• 5:12
  one.
• 5:12
  I
• 5:12
  think
• 5:12
  we
• 5:12
  drive
• 5:13
  ourselves
• 5:13
  crazy
• 5:13
  trying
• 5:13
  to
• 5:14
  do
• 5:14
  this
• 5:14
  and
• 5:14
  trying
• 5:14
  to
• 5:14
  do
• 5:14
  that.
• 5:14
  I
• 5:15
  remember
• 5:15
  when
• 5:15
  our
• 5:15
  kids
• 5:15
  were
• 5:15
  real
• 5:16
  young,
• 5:17
  everybody
• 5:17
  wanted
• 5:17
  to
• 5:17
  have
• 5:18
  us
• 5:18
  on
• 5:18
  Christmas
• 5:18
  Day.
• 5:18
  We
• 5:18
  got
• 5:19
  to
• 5:19
  go
• 5:19
  here
• 5:19
  and
• 5:19
  there
• 5:19
  and
• 5:19
  here
• 5:20
  and
• 5:20
  there.
• 5:20
  And
• 5:20
  my
• 5:20
  wife
• 5:21
  finally
• 5:21
  said,
• 5:21
  ralph,
• 5:21
  this
• 5:21
  is
• 5:22
  insane.
• 5:22
  We
• 5:22
  got
• 5:22
  to
• 5:22
  stop
• 5:22
  this.
• 5:23
  And
• 5:23
  we
• 5:24
  said,
• 5:24
  you
• 5:24
  know
• 5:24
  what?
• 5:24
  Here's
• 5:24
  the
• 5:24
  deal.
• 5:25
  We're
• 5:25
  going
• 5:25
  to
• 5:26
  stay
• 5:26
  home
• 5:26
  on
• 5:26
  Christmas.
• 5:26
  This
• 5:27
  has
• 5:27
  nothing
• 5:27
  to
• 5:27
  do
• 5:27
  with
• 5:27
  office
• 5:27
  parties,
• 5:28
  but
• 5:28
  we
• 5:28
  learned
• 5:29
  to
• 5:29
  say
• 5:29
  no.
• 5:30
  They
• 5:30
  want
• 5:30
  to
• 5:30
  come
• 5:30
  see
• 5:30
  us.
• 5:31
  That's
• 5:31
  great.
• 5:31
  Our
• 5:32
  kids
• 5:32
  are
• 5:32
  going
• 5:32
  to
• 5:32
  stay
• 5:32
  home
• 5:33
  and
• 5:33
  enjoy
• 5:33
  the
• 5:34
  holiday
• 5:34
  in
• 5:34
  their
• 5:34
  home.
• 5:35
  Sometimes
• 5:36
  it's
• 5:36
  okay
• 5:36
  to
• 5:37
  say
• 5:37
  no.
• 5:38
  You
• 5:38
  don't
• 5:39
  have
• 5:39
  to
• 5:39
  continue
• 5:40
  to
• 5:40
  do
• 5:40
  stuff
• 5:41
  if
• 5:41
  it's
• 5:41
  making
• 5:42
  you
• 5:42
  feel
• 5:42
  awkward,
• 5:43
  if
• 5:43
  it's
• 5:43
  making
• 5:43
  you
• 5:43
  feel
• 5:44
  stressed.
• 5:45
  Another
• 5:45
  thing
• 5:45
  I'm
• 5:45
  going
• 5:45
  to
• 5:45
  encourage
• 5:46
  you
• 5:46
  to
• 5:46
  do
• 5:46
  is
• 5:47
  express
• 5:47
  gratitude.
• 5:49
  Sometimes
• 5:49
  your
• 5:49
  co
• 5:49
  workers
• 5:50
  just
• 5:50
  need
• 5:50
  to
• 5:50
  hear
• 5:50
  kind
• 5:51
  words
• 5:51
  from
• 5:51
  you.
• 5:52
  Hey,
• 5:52
  I
• 5:52
  really
• 5:52
  appreciate
• 5:53
  your
• 5:53
  help
• 5:53
  on
• 5:53
  that
• 5:54
  project
• 5:54
  with
• 5:54
  me
• 5:54
  this
• 5:54
  year.
• 5:55
  Or
• 5:55
  hey,
• 5:56
  can
• 5:56
  I
• 5:56
  help
• 5:56
  you
• 5:56
  out
• 5:56
  with
• 5:57
  something
• 5:58
  that's
• 5:58
  so
• 5:58
  much
• 5:58
  more
• 5:59
  valuable
• 5:59
  than
• 5:59
  store
• 6:00
  bought
• 6:00
  gifts?
• 6:00
  Because
• 6:00
  that's
• 6:01
  really
• 6:01
  speaking
• 6:01
  to
• 6:01
  you.
• 6:02
  Care
• 6:02
  for
• 6:02
  somebody?
• 6:03
  Here's
• 6:04
  a
• 6:04
  great
• 6:04
  idea.
• 6:04
  If
• 6:04
  you
• 6:04
  don't
• 6:04
  have
• 6:05
  a
• 6:05
  lot
• 6:05
  of
• 6:05
  extra
• 6:05
  money,
• 6:06
  offer
• 6:06
  them
• 6:06
  service.
• 6:07
  Maybe
• 6:08
  you
• 6:08
  work
• 6:08
  with
• 6:08
  a
• 6:08
  couple
• 6:09
  and
• 6:09
  they
• 6:09
  need
• 6:09
  a
• 6:09
  date
• 6:09
  night,
• 6:10
  offer
• 6:10
  to
• 6:10
  babysit
• 6:10
  their
• 6:11
  kids
• 6:11
  one
• 6:11
  night
• 6:12
  or
• 6:12
  maybe
• 6:12
  offer
• 6:12
  them
• 6:13
  a
• 6:13
  homemade
• 6:13
  meal.
• 6:14
  Maybe
• 6:14
  they're
• 6:14
  going
• 6:14
  through
• 6:14
  a
• 6:15
  tough
• 6:15
  time.
• 6:15
  Show
• 6:15
  appreciation.
• 6:17
  Here's
• 6:17
  a
• 6:17
  great
• 6:17
  idea.
• 6:18
  Help
• 6:18
  them
• 6:18
  with
• 6:18
  errands.
• 6:19
  A
• 6:19
  lot
• 6:19
  of
• 6:20
  people
• 6:20
  don't
• 6:20
  think
• 6:20
  about
• 6:20
  that,
• 6:20
  but
• 6:21
  that's
• 6:21
  a
• 6:21
  huge
• 6:21
  gift
• 6:21
  for
• 6:21
  somebody.
• 6:22
  Help
• 6:23
  them
• 6:23
  save
• 6:23
  time.
• 6:24
  You
• 6:25
  know,
• 6:25
  it
• 6:25
  could
• 6:25
  be
• 6:25
  a
• 6:25
  busy
• 6:25
  time
• 6:26
  for
• 6:26
  a
• 6:26
  lot
• 6:26
  of
• 6:26
  us.
• 6:27
  That's
• 6:27
  a
• 6:27
  great
• 6:27
  thing
• 6:28
  to
• 6:28
  do.
• 6:28
  Well,
• 6:28
  let's
• 6:28
  get
• 6:28
  right
• 6:29
  to
• 6:29
  our
• 6:29
  Bible
• 6:29
  verse
• 6:29
  today
• 6:30
  comes
• 6:30
  to
• 6:30
  us
• 6:30
  from
• 6:30
  the
• 6:30
  book
• 6:30
  of
• 6:31
  Colossians,
• 6:31
  chapter
• 6:32
  3,
• 6:32
  verse
• 6:33
  23.
• 6:33
  And
• 6:33
  it
• 6:33
  says
• 6:33
  whatever
• 6:34
  you
• 6:34
  do,
• 6:34
  work
• 6:35
  at
• 6:35
  it
• 6:35
  with
• 6:35
  all
• 6:36
  your
• 6:36
  heart
• 6:36
  as
• 6:36
  working
• 6:36
  for
• 6:37
  the
• 6:37
  Lord,
• 6:37
  not.
• 6:38
  Not
• 6:38
  for
• 6:38
  human
• 6:38
  masters.
• 6:39
  And
• 6:39
  I
• 6:39
  think
• 6:40
  that's
• 6:40
  really
• 6:40
  our
• 6:40
  takeaway
• 6:41
  verse
• 6:41
  for
• 6:41
  today.
• 6:42
  If
• 6:42
  you
• 6:42
  think
• 6:42
  about
• 6:42
  that,
• 6:43
  it's
• 6:44
  not
• 6:44
  about
• 6:44
  gifts.
• 6:45
  It's
• 6:45
  about
• 6:45
  working
• 6:46
  from
• 6:46
  your
• 6:46
  heart.
• 6:47
  What
• 6:47
  the
• 6:47
  authors
• 6:48
  say,
• 6:48
  they
• 6:48
  care
• 6:48
  about
• 6:49
  how
• 6:49
  much
• 6:49
  you
• 6:49
  care.
• 6:50
  Stop
• 6:51
  worrying
• 6:51
  about
• 6:51
  that
• 6:51
  comparison.
• 6:52
  Stop
• 6:52
  worrying
• 6:52
  about
• 6:53
  what
• 6:53
  everybody
• 6:53
  else
• 6:53
  is
• 6:54
  doing.
• 6:54
  Well,
• 6:54
  I
• 6:54
  got
• 6:54
  to
• 6:55
  have
• 6:55
  the
• 6:55
  best
• 6:55
  gifts.
• 6:55
  Stop
• 6:56
  doing
• 6:56
  that.
• 6:56
  People
• 6:57
  don't
• 6:57
  care
• 6:57
  about
• 6:57
  it.
• 6:57
  People
• 6:58
  care
• 6:58
  about
• 6:58
  you.
• 6:58
  They
• 6:59
  care
• 6:59
  about
• 6:59
  your
• 6:59
  presence.
• 7:00
  They
• 7:00
  care
• 7:00
  about
• 7:01
  being
• 7:01
  engaged
• 7:01
  with
• 7:02
  you.
• 7:02
  Because
• 7:02
  that's
• 7:02
  the
• 7:02
  stuff
• 7:03
  that
• 7:03
  matters.
• 7:04
  I
• 7:04
  can
• 7:04
  tell
• 7:04
  you
• 7:04
  right
• 7:04
  now.
• 7:04
  I've
• 7:05
  been
• 7:05
  to
• 7:05
  many
• 7:05
  Christmas
• 7:05
  parties
• 7:06
  around
• 7:06
  Office
• 7:07
  stuff.
• 7:07
  I
• 7:07
  cannot
• 7:08
  remember
• 7:08
  a
• 7:08
  single
• 7:08
  gift
• 7:09
  that
• 7:09
  anybody
• 7:10
  ever
• 7:10
  got
• 7:10
  me.
• 7:11
  But
• 7:11
  I
• 7:11
  can
• 7:12
  sure
• 7:12
  remember
• 7:12
  those
• 7:12
  times
• 7:13
  talking
• 7:13
  to
• 7:13
  people
• 7:13
  about
• 7:13
  what's
• 7:14
  going
• 7:14
  on
• 7:14
  in
• 7:14
  their
• 7:14
  lives
• 7:15
  or
• 7:15
  sharing
• 7:15
  a
• 7:16
  funny
• 7:16
  story
• 7:16
  about
• 7:17
  something
• 7:17
  that
• 7:17
  goes
• 7:18
  on
• 7:18
  at
• 7:18
  their
• 7:18
  house
• 7:18
  during
• 7:19
  the
• 7:19
  holidays.
• 7:19
  That's
• 7:19
  what
• 7:20
  really
• 7:20
  matters.
• 7:21
  How
• 7:21
  about
• 7:21
  we
• 7:21
  pray
• 7:21
  together
• 7:22
  right
• 7:22
  now?
• 7:22
  Lord,
• 7:22
  we
• 7:23
  come
• 7:23
  to
• 7:23
  you
• 7:23
  right
• 7:23
  now
• 7:24
  and
• 7:24
  we
• 7:24
  ask
• 7:24
  you
• 7:25
  to
• 7:25
  give
• 7:25
  us
• 7:25
  strength
• 7:25
  during
• 7:26
  this
• 7:26
  holiday
• 7:26
  season.
• 7:27
  Help
• 7:27
  us
• 7:27
  to
• 7:27
  honor
• 7:28
  you
• 7:28
  through
• 7:28
  our
• 7:28
  attitudes,
• 7:29
  Lord,
• 7:29
  even
• 7:30
  at
• 7:30
  work.
• 7:31
  Teach
• 7:31
  us
• 7:31
  to
• 7:31
  celebrate
• 7:32
  without
• 7:32
  comparison,
• 7:33
  without
• 7:33
  that
• 7:33
  pressure.
• 7:34
  And
• 7:34
  help
• 7:35
  us
• 7:35
  to
• 7:35
  speak
• 7:36
  kind
• 7:36
  words
• 7:37
  to
• 7:37
  each
• 7:37
  other
• 7:37
  and
• 7:38
  help
• 7:38
  us
• 7:38
  to
• 7:38
  understand
• 7:39
  that
• 7:39
  that
• 7:39
  kindness
• 7:40
  speaks
• 7:40
  louder
• 7:41
  than
• 7:41
  any
• 7:41
  spending.
• 7:42
  We
• 7:42
  ask
• 7:42
  this
• 7:42
  in
• 7:42
  confidence
• 7:43
  in
• 7:43
  the
• 7:43
  name
• 7:44
  of
• 7:44
  Jesus.
• 7:45
  Amen.
• 7:45
  Now
• 7:45
  listen,
• 7:46
  today
• 7:46
  I
• 7:46
  want
• 7:46
  to
• 7:46
  tell
• 7:46
  you
• 7:47
  something
• 7:47
  you
• 7:47
  might
• 7:47
  be
• 7:48
  thinking
• 7:48
  about.
• 7:48
  Ralph,
• 7:48
  you're
• 7:49
  doing
• 7:49
  a
• 7:49
  great
• 7:49
  job
• 7:49
  with
• 7:49
  this
• 7:49
  30
• 7:50
  day
• 7:50
  series,
• 7:50
  but
• 7:50
  I
• 7:50
  might
• 7:50
  have
• 7:51
  missed
• 7:51
  some.
• 7:51
  Well,
• 7:52
  you
• 7:52
  can
• 7:52
  always
• 7:52
  go
• 7:52
  check
• 7:53
  out
• 7:53
  our
• 7:53
  prior
• 7:53
  episodes.
• 7:54
  Just
• 7:54
  go
• 7:54
  to
• 7:54
  financiallyconfidentchristian.com
• 7:56
  but
• 7:56
  here's
• 7:56
  something
• 7:56
  you
• 7:56
  might
• 7:56
  not
• 7:57
  know.
• 7:57
  You
• 7:58
  can
• 7:58
  actually
• 7:58
  see
• 7:59
  me
• 7:59
  every
• 7:59
  day
• 7:59
  as
• 8:00
  well.
• 8:00
  We're
• 8:00
  on
• 8:00
  YouTube.
• 8:01
  We're
• 8:01
  on
• 8:02
  Rumble.
• 8:02
  So
• 8:02
  I'm
• 8:02
  going
• 8:03
  to
• 8:03
  encourage
• 8:03
  you.
• 8:03
  I
• 8:03
  would
• 8:03
  love
• 8:03
  to
• 8:03
  see
• 8:04
  you
• 8:04
  subscribe
• 8:04
  to
• 8:04
  my
• 8:05
  channel
• 8:05
  on
• 8:05
  there.
• 8:05
  You
• 8:06
  can
• 8:06
  do
• 8:06
  that
• 8:06
  real
• 8:06
  simple.
• 8:07
  I
• 8:07
  made
• 8:07
  a
• 8:07
  simple
• 8:07
  link
• 8:07
  for
• 8:08
  you.
• 8:08
  If
• 8:08
  you
• 8:08
  go
• 8:08
  to
• 8:08
  financiallyconfidentchristian.com/YouTube,
• 8:12
  you
• 8:12
  can
• 8:12
  see
• 8:12
  our
• 8:12
  YouTube
• 8:13
  channel.
• 8:13
  So
• 8:14
  not
• 8:14
  only
• 8:14
  can
• 8:14
  you
• 8:14
  listen
• 8:15
  to
• 8:15
  us,
• 8:15
  you
• 8:15
  can
• 8:15
  see
• 8:15
  my
• 8:16
  smiling
• 8:16
  face,
• 8:16
  like
• 8:16
  right
• 8:17
  now
• 8:17
  as
• 8:17
  I
• 8:17
  record
• 8:17
  this.
• 8:17
  I've
• 8:18
  got
• 8:18
  a
• 8:18
  red
• 8:18
  microphone
• 8:19
  for
• 8:19
  Christmas.
• 8:19
  So
• 8:20
  I'm
• 8:20
  going
• 8:20
  to
• 8:20
  encourage
• 8:20
  you.
• 8:20
  Check
• 8:21
  it
• 8:21
  out.
• 8:21
  Financially
• 8:22
  confident
• 8:22
  Christian.
• 8:24
  Okay,
• 8:24
  Are
• 8:25
  you
• 8:25
  ready
• 8:25
  for
• 8:25
  your
• 8:25
  one
• 8:26
  action
• 8:26
  item
• 8:26
  for
• 8:27
  today?
• 8:27
  Pretty
• 8:28
  simple
• 8:28
  one
• 8:28
  today,
• 8:29
  simple
• 8:29
  decision.
• 8:30
  I
• 8:31
  want
• 8:31
  you
• 8:31
  to
• 8:31
  decide
• 8:32
  today
• 8:32
  your
• 8:32
  total
• 8:32
  office
• 8:33
  event
• 8:33
  budget.
• 8:34
  Write
• 8:34
  it
• 8:35
  down.
• 8:35
  Before
• 8:35
  those
• 8:36
  events,
• 8:36
  before
• 8:37
  the
• 8:37
  invitations
• 8:37
  even
• 8:38
  start
• 8:38
  rolling
• 8:38
  in,
• 8:38
  before
• 8:39
  you
• 8:39
  start
• 8:39
  to
• 8:39
  commit
• 8:39
  yourself,
• 8:40
  say,
• 8:40
  here's
• 8:40
  what
• 8:41
  I
• 8:41
  can
• 8:41
  afford
• 8:41
  this
• 8:41
  year.
• 8:42
  Pick
• 8:42
  a
• 8:43
  number
• 8:43
  and
• 8:43
  stick
• 8:43
  to
• 8:44
  it.
• 8:44
  Because
• 8:45
  here's
• 8:45
  the
• 8:45
  honest
• 8:45
  truth.
• 8:46
  Your
• 8:47
  impact
• 8:47
  at
• 8:47
  work
• 8:48
  isn't
• 8:48
  what
• 8:48
  you
• 8:49
  spend.
• 8:50
  It's
• 8:50
  how
• 8:50
  you
• 8:51
  show
• 8:51
  up.
• 8:52
  So
• 8:53
  lead
• 8:53
  with
• 8:53
  gratitude.
• 8:54
  Give
• 8:54
  from
• 8:54
  the
• 8:54
  heart.
• 8:55
  Show
• 8:55
  that
• 8:56
  you
• 8:56
  care.
• 8:56
  Enjoy
• 8:56
  this
• 8:57
  holiday
• 8:57
  season
• 8:58
  and
• 8:58
  don't
• 8:58
  make
• 8:59
  it
• 8:59
  this
• 8:59
  comparison
• 9:00
  thing
• 9:00
  that
• 9:00
  just
• 9:00
  makes
• 9:01
  you
• 9:01
  feel
• 9:01
  awkward
• 9:02
  and
• 9:02
  anxiety
• 9:03
  ridden.
• 9:04
  I'm
• 9:04
  going
• 9:04
  to
• 9:04
  encourage
• 9:04
  you
• 9:04
  today.
• 9:05
  Go
• 9:05
  be
• 9:05
  a
• 9:05
  financially
• 9:06
  confident
• 9:06
  Christian.
• 9:06
  You
• 9:07
  can
• 9:07
  do
• 9:07
  this.
• 9:07
  I
• 9:07
  have
• 9:07
  confidence
• 9:08
  in
• 9:08
  you.
• 9:08
  Every
• 9:09
  day
• 9:09
  when
• 9:09
  you
• 9:09
  come
• 9:09
  and
• 9:10
  we
• 9:10
  sit
• 9:10
  together
• 9:10
  and
• 9:10
  we
• 9:11
  talk
• 9:11
  about
• 9:11
  these
• 9:11
  things,
• 9:11
  you're
• 9:12
  building
• 9:12
  up
• 9:12
  that
• 9:12
  confidence.
• 9:13
  So
• 9:13
  stay
• 9:13
  financially
• 9:14
  savvy
• 9:14
  today.
• 9:15
  God
• 9:15
  bless
• 9:15
  you
• 9:15
  and,
• 9:16
  and
• 9:16
  you
• 9:16
  have
• 9:16
  a
• 9:16
  great
• 9:16
  day
• 9:17
  today.