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How Do I Create a Budget in 15 Minutes That Doesn't Feel Restrictive? · Becoming Financially Confident

• 0:37
  When
• 0:37
  you
• 0:37
  hear
• 0:38
  the
• 0:38
  word
• 0:38
  budget,
• 0:39
  do
• 0:39
  you
• 0:39
  immediately
• 0:39
  feel
• 0:40
  tight,
• 0:41
  restricted,
• 0:42
  corrected,
• 0:44
  maybe
• 0:44
  even
• 0:45
  controlled?
• 0:46
  Like
• 0:46
  someone
• 0:47
  just
• 0:47
  handed
• 0:47
  you
• 0:47
  a
• 0:47
  financial
• 0:48
  diet
• 0:48
  plan
• 0:48
  and
• 0:49
  took
• 0:49
  away
• 0:49
  everything
• 0:50
  fun
• 0:50
  in
• 0:50
  your
• 0:50
  life?
• 0:52
  Friend,
• 0:52
  a
• 0:52
  budget
• 0:53
  is
• 0:53
  not
• 0:53
  a
• 0:53
  punishment.
• 0:55
  It's
• 0:55
  not
• 0:55
  a
• 0:55
  financial
• 0:56
  cage
• 0:56
  you
• 0:56
  have
• 0:57
  to
• 0:57
  live
• 0:57
  in.
• 0:58
  It's
• 0:58
  a
• 0:58
  clarity
• 0:59
  tool.
• 1:00
  And
• 1:00
  today
• 1:00
  I'm
• 1:01
  going
• 1:01
  to
• 1:01
  show
• 1:01
  you
• 1:01
  how
• 1:01
  to
• 1:01
  build
• 1:02
  one
• 1:02
  in
• 1:02
  just
• 1:02
  15
• 1:03
  minutes.
• 1:04
  That
• 1:04
  feels
• 1:04
  freeing
• 1:05
  and
• 1:05
  not
• 1:06
  suffocating.
• 1:28
  Hello,
• 1:28
  friend.
• 1:29
  Ralph
• 1:29
  Estep
• 1:29
  Jr.
• 1:30
  Here.
• 1:30
  This
• 1:31
  is
• 1:31
  financially
• 1:31
  confident
• 1:32
  Christian,
• 1:33
  where
• 1:33
  every
• 1:33
  day
• 1:33
  my
• 1:34
  goal
• 1:34
  is
• 1:34
  to
• 1:34
  help
• 1:34
  you
• 1:34
  break
• 1:35
  that
• 1:35
  cycle
• 1:35
  of
• 1:36
  financial
• 1:36
  shame
• 1:37
  and
• 1:37
  live
• 1:37
  in
• 1:38
  confidence.
• 1:39
  And
• 1:39
  today's
• 1:40
  topic
• 1:40
  is
• 1:40
  all
• 1:40
  about
• 1:41
  building
• 1:41
  confidence.
• 1:42
  Today
• 1:42
  we're
• 1:43
  going
• 1:43
  to
• 1:43
  talk
• 1:43
  about
• 1:43
  how
• 1:43
  to
• 1:43
  create
• 1:44
  a
• 1:44
  15
• 1:44
  midget
• 1:45
  budget
• 1:46
  that
• 1:46
  doesn't
• 1:46
  feel
• 1:47
  restrictive.
• 1:48
  Well,
• 1:48
  let's
• 1:48
  get
• 1:48
  right
• 1:49
  to
• 1:49
  today's
• 1:49
  listener
• 1:50
  question.
• 1:50
  Listener
• 1:51
  writes
• 1:51
  this,
• 1:51
  Ralph,
• 1:52
  budgets
• 1:53
  have
• 1:53
  always
• 1:53
  felt
• 1:53
  restrictive
• 1:54
  and
• 1:54
  punishing
• 1:55
  to
• 1:55
  me,
• 1:55
  which
• 1:56
  is
• 1:56
  why
• 1:56
  I
• 1:56
  keep
• 1:56
  abandoning
• 1:57
  them.
• 1:58
  But
• 1:58
  I
• 1:58
  want
• 1:58
  something
• 1:59
  different.
• 2:00
  I
• 2:00
  want
• 2:00
  to
• 2:00
  feel
• 2:01
  peace
• 2:01
  and
• 2:01
  not
• 2:01
  guilt.
• 2:02
  How
• 2:03
  do
• 2:03
  I
• 2:03
  create
• 2:03
  a
• 2:04
  simple
• 2:04
  budget
• 2:04
  quickly,
• 2:05
  maybe
• 2:05
  even
• 2:06
  in
• 2:06
  15
• 2:06
  minutes
• 2:07
  that
• 2:08
  doesn't
• 2:08
  make
• 2:08
  me
• 2:08
  feel
• 2:09
  trapped.
• 2:10
  I
• 2:10
  need
• 2:10
  a
• 2:10
  system
• 2:11
  that
• 2:11
  I
• 2:11
  can
• 2:11
  actually
• 2:11
  live
• 2:12
  with
• 2:12
  long
• 2:12
  term
• 2:13
  without
• 2:14
  resenting
• 2:14
  it.
• 2:16
  You
• 2:16
  know,
• 2:16
  I
• 2:16
  love
• 2:17
  that
• 2:17
  question.
• 2:18
  Because
• 2:18
  anything
• 2:19
  that
• 2:19
  we
• 2:19
  start
• 2:19
  off
• 2:19
  with
• 2:20
  in
• 2:20
  resentment
• 2:21
  mode
• 2:22
  isn't
• 2:22
  going
• 2:22
  to
• 2:22
  work
• 2:23
  long
• 2:23
  term,
• 2:23
  is
• 2:23
  it?
• 2:25
  Because
• 2:25
  a
• 2:25
  healthy
• 2:26
  budget
• 2:27
  gives
• 2:27
  direction
• 2:28
  to
• 2:28
  your
• 2:28
  money,
• 2:29
  it
• 2:30
  doesn't
• 2:30
  deny
• 2:30
  you
• 2:31
  your
• 2:31
  humanity.
• 2:32
  It's
• 2:32
  not
• 2:32
  meant
• 2:32
  to
• 2:32
  be
• 2:32
  this
• 2:33
  huge
• 2:33
  restriction.
• 2:35
  But
• 2:35
  now
• 2:35
  you're
• 2:36
  saying,
• 2:36
  ralph,
• 2:36
  how
• 2:36
  do
• 2:36
  I
• 2:36
  get
• 2:37
  to
• 2:37
  that
• 2:37
  point?
• 2:38
  Well,
• 2:39
  here's
• 2:39
  my
• 2:39
  steps
• 2:39
  to
• 2:39
  do
• 2:39
  that.
• 2:40
  First
• 2:40
  thing
• 2:40
  I
• 2:40
  think
• 2:40
  you've
• 2:41
  got
• 2:41
  to
• 2:41
  do
• 2:42
  is
• 2:42
  you've
• 2:42
  got
• 2:43
  to
• 2:43
  rename
• 2:43
  it.
• 2:45
  So
• 2:45
  many
• 2:45
  people
• 2:46
  hear
• 2:46
  the
• 2:46
  word
• 2:46
  budget
• 2:47
  and
• 2:47
  the
• 2:47
  first
• 2:47
  thing
• 2:47
  they
• 2:47
  think
• 2:48
  of
• 2:48
  is
• 2:48
  diet.
• 2:49
  I've
• 2:49
  been
• 2:49
  on
• 2:50
  a
• 2:50
  diet
• 2:50
  for
• 2:50
  10
• 2:50
  years
• 2:51
  now,
• 2:52
  and
• 2:52
  it
• 2:53
  feels
• 2:53
  a
• 2:53
  lot
• 2:53
  like
• 2:53
  restrictions.
• 2:55
  But
• 2:55
  I
• 2:55
  think
• 2:56
  if
• 2:56
  you
• 2:56
  call
• 2:56
  it
• 2:56
  something
• 2:57
  different.
• 2:57
  For
• 2:58
  example,
• 2:59
  I
• 2:59
  love
• 2:59
  what
• 2:59
  this
• 3:00
  person
• 3:00
  calls
• 3:00
  it.
• 3:00
  A
• 3:00
  friend
• 3:00
  of
• 3:01
  mine
• 3:01
  calls
• 3:01
  it
• 3:01
  an
• 3:01
  intentional
• 3:02
  spending
• 3:03
  plan.
• 3:04
  I
• 3:04
  love
• 3:04
  that
• 3:04
  idea
• 3:05
  because
• 3:05
  that's
• 3:06
  really
• 3:06
  what
• 3:06
  we're
• 3:06
  talking
• 3:06
  about.
• 3:07
  We're
• 3:07
  talking
• 3:07
  about
• 3:07
  being
• 3:07
  intentional
• 3:08
  in
• 3:08
  our
• 3:09
  spending,
• 3:09
  and
• 3:09
  we're
• 3:09
  talking
• 3:10
  about
• 3:10
  a
• 3:10
  plan.
• 3:11
  Some
• 3:11
  people
• 3:12
  have
• 3:12
  called
• 3:12
  it
• 3:12
  a
• 3:12
  money
• 3:12
  piece
• 3:13
  plan
• 3:13
  or
• 3:13
  even
• 3:14
  a
• 3:14
  money
• 3:14
  map.
• 3:15
  Words
• 3:16
  matter.
• 3:17
  And
• 3:17
  if
• 3:18
  instantly
• 3:18
  you
• 3:18
  think
• 3:19
  restriction,
• 3:20
  and
• 3:20
  so
• 3:20
  many
• 3:20
  people
• 3:20
  hear
• 3:21
  the
• 3:21
  word
• 3:21
  budget,
• 3:21
  and
• 3:21
  initially
• 3:22
  they
• 3:22
  think
• 3:22
  restriction,
• 3:24
  you're
• 3:24
  going
• 3:24
  to
• 3:24
  resist
• 3:25
  it.
• 3:26
  But
• 3:26
  if
• 3:26
  you
• 3:26
  think
• 3:26
  direction,
• 3:28
  I
• 3:28
  really
• 3:28
  think
• 3:29
  you're
• 3:29
  going
• 3:29
  to
• 3:29
  follow
• 3:29
  it.
• 3:30
  Here's
• 3:30
  the
• 3:30
  second
• 3:30
  thing.
• 3:31
  Start
• 3:32
  with
• 3:32
  income,
• 3:33
  not
• 3:33
  guilt.
• 3:35
  Promised
• 3:35
  you
• 3:35
  15
• 3:36
  minutes.
• 3:37
  Well,
• 3:37
  in
• 3:37
  15
• 3:38
  minutes,
• 3:38
  you're
• 3:38
  not
• 3:38
  going
• 3:39
  to
• 3:39
  have
• 3:39
  time
• 3:39
  to
• 3:39
  overcomplicate
• 3:40
  this.
• 3:41
  Make
• 3:42
  it
• 3:42
  simple.
• 3:43
  Break
• 3:43
  down
• 3:43
  what
• 3:43
  hits
• 3:43
  your
• 3:44
  account
• 3:44
  this
• 3:44
  month
• 3:44
  after
• 3:45
  taxes,
• 3:45
  what
• 3:45
  really
• 3:46
  is
• 3:46
  coming
• 3:46
  in.
• 3:47
  That's
• 3:48
  your
• 3:48
  income,
• 3:48
  that's
• 3:49
  your
• 3:49
  working
• 3:49
  number.
• 3:50
  Not
• 3:51
  what
• 3:51
  you
• 3:51
  hope
• 3:51
  will
• 3:51
  come
• 3:51
  in,
• 3:52
  not
• 3:52
  what
• 3:52
  you
• 3:53
  used
• 3:53
  to
• 3:53
  make,
• 3:54
  not
• 3:54
  what
• 3:54
  your
• 3:54
  friend
• 3:55
  or
• 3:55
  someone
• 3:55
  else
• 3:56
  makes.
• 3:57
  The
• 3:57
  reality,
• 3:57
  the
• 3:58
  reality
• 3:58
  on
• 3:58
  the
• 3:58
  ground.
• 3:59
  Because
• 4:00
  clarity
• 4:01
  always
• 4:01
  beats
• 4:02
  fantasy
• 4:02
  every
• 4:03
  single
• 4:03
  day.
• 4:05
  But
• 4:05
  now
• 4:05
  the
• 4:05
  next
• 4:05
  thing
• 4:05
  you've
• 4:06
  got
• 4:06
  to
• 4:06
  do
• 4:06
  is
• 4:06
  you've
• 4:06
  got
• 4:07
  to
• 4:07
  cover
• 4:07
  the
• 4:07
  four
• 4:08
  essentials.
• 4:08
  And
• 4:08
  I've
• 4:08
  talked
• 4:09
  about
• 4:09
  these
• 4:09
  on
• 4:09
  the
• 4:09
  show
• 4:09
  before.
• 4:11
  In
• 4:11
  this
• 4:11
  first
• 4:12
  15
• 4:12
  minute
• 4:13
  draft,
• 4:14
  I
• 4:14
  want
• 4:14
  you
• 4:14
  to
• 4:14
  just
• 4:15
  allocate
• 4:15
  money
• 4:15
  for
• 4:16
  four
• 4:16
  areas.
• 4:17
  Housing,
• 4:19
  utilities
• 4:19
  and
• 4:20
  transportation,
• 4:21
  food,
• 4:22
  and
• 4:22
  those
• 4:22
  minimum
• 4:23
  debt
• 4:23
  payments.
• 4:24
  That's
• 4:24
  it.
• 4:25
  What
• 4:25
  I'm
• 4:25
  really
• 4:25
  talking
• 4:26
  about
• 4:26
  today
• 4:26
  is
• 4:27
  what
• 4:27
  I'll
• 4:27
  call
• 4:27
  survival
• 4:28
  level
• 4:28
  clarity.
• 4:30
  Now,
• 4:30
  once
• 4:30
  the
• 4:30
  essentials
• 4:31
  are
• 4:31
  covered,
• 4:32
  your
• 4:32
  nervous
• 4:32
  system
• 4:32
  calms
• 4:33
  down.
• 4:34
  You're
• 4:34
  not
• 4:34
  worried
• 4:34
  about,
• 4:35
  am
• 4:35
  I
• 4:35
  going
• 4:35
  to
• 4:35
  have
• 4:35
  food
• 4:36
  on
• 4:36
  the
• 4:36
  table,
• 4:37
  am
• 4:37
  I
• 4:37
  going
• 4:37
  to
• 4:37
  have
• 4:38
  a
• 4:38
  place
• 4:38
  to
• 4:38
  sleep,
• 4:39
  am
• 4:39
  I
• 4:39
  going
• 4:39
  to
• 4:39
  be
• 4:40
  able
• 4:40
  to
• 4:40
  get
• 4:40
  to
• 4:40
  and
• 4:40
  from
• 4:41
  work?
• 4:41
  Because
• 4:42
  you
• 4:42
  know,
• 4:42
  the
• 4:42
  basics
• 4:43
  are
• 4:43
  handled.
• 4:45
  But
• 4:45
  now,
• 4:45
  once
• 4:45
  you've
• 4:45
  handled
• 4:46
  the
• 4:46
  basics,
• 4:46
  the
• 4:46
  next
• 4:47
  step
• 4:47
  is
• 4:47
  to
• 4:48
  add
• 4:48
  a
• 4:48
  joy
• 4:49
  line.
• 4:50
  And
• 4:50
  this
• 4:50
  is
• 4:50
  where
• 4:50
  so
• 4:51
  many
• 4:51
  budgets
• 4:52
  fail.
• 4:52
  They
• 4:53
  just
• 4:53
  remove
• 4:53
  the
• 4:54
  joy.
• 4:55
  I
• 4:55
  remember
• 4:55
  when
• 4:55
  I
• 4:56
  first
• 4:56
  started
• 4:56
  dieting,
• 4:57
  it
• 4:57
  was
• 4:57
  so
• 4:58
  restrictive
• 4:58
  that
• 4:58
  I
• 4:59
  didn't
• 4:59
  have
• 4:59
  any
• 4:59
  joy.
• 4:59
  And
• 5:00
  guess
• 5:00
  what?
• 5:01
  Crashed
• 5:01
  and
• 5:01
  burned
• 5:02
  so
• 5:02
  many
• 5:02
  times.
• 5:04
  But
• 5:04
  a
• 5:04
  year
• 5:05
  and
• 5:05
  a
• 5:05
  so
• 5:05
  ago,
• 5:05
  when
• 5:05
  I
• 5:06
  started
• 5:06
  In
• 5:06
  January
• 5:07
  of
• 5:07
  2025,
• 5:08
  I
• 5:08
  said
• 5:08
  to
• 5:08
  myself,
• 5:09
  you
• 5:09
  know
• 5:09
  what,
• 5:09
  Ralph?
• 5:10
  You've
• 5:10
  got
• 5:10
  to
• 5:11
  build
• 5:11
  some
• 5:11
  joy
• 5:11
  into
• 5:12
  this.
• 5:13
  So
• 5:13
  even
• 5:13
  right
• 5:13
  now,
• 5:14
  there
• 5:14
  are
• 5:14
  times
• 5:14
  when
• 5:14
  I
• 5:15
  eat
• 5:15
  what
• 5:15
  I
• 5:15
  want.
• 5:16
  On
• 5:16
  Sunday
• 5:17
  nights,
• 5:17
  I'll
• 5:17
  go
• 5:17
  out
• 5:17
  to
• 5:17
  dinner.
• 5:18
  I'm
• 5:18
  not
• 5:18
  worried
• 5:19
  about
• 5:19
  carbs.
• 5:19
  I'm
• 5:20
  not
• 5:20
  worried
• 5:20
  about
• 5:20
  proteins.
• 5:21
  I'm
• 5:21
  not
• 5:21
  worried
• 5:21
  about
• 5:22
  calories.
• 5:24
  What
• 5:24
  I've
• 5:24
  found
• 5:24
  is
• 5:25
  over
• 5:25
  time,
• 5:25
  I
• 5:25
  do
• 5:25
  worry
• 5:26
  about
• 5:26
  those
• 5:26
  things
• 5:26
  because
• 5:26
  I
• 5:27
  see
• 5:27
  the
• 5:27
  results.
• 5:28
  But
• 5:28
  you've
• 5:28
  got
• 5:29
  to
• 5:29
  do
• 5:29
  the
• 5:29
  same
• 5:29
  thing
• 5:29
  in
• 5:29
  your
• 5:30
  budget.
• 5:31
  Add
• 5:31
  small,
• 5:31
  intentional
• 5:32
  joy
• 5:32
  categories.
• 5:34
  Maybe
• 5:34
  for
• 5:34
  you,
• 5:34
  you
• 5:35
  love
• 5:35
  coffee
• 5:36
  or
• 5:36
  those
• 5:36
  streaming
• 5:37
  services.
• 5:38
  For
• 5:38
  me,
• 5:39
  eating
• 5:39
  out
• 5:39
  dinner
• 5:40
  out
• 5:40
  is
• 5:40
  important
• 5:40
  to
• 5:40
  me.
• 5:41
  Or
• 5:41
  maybe
• 5:41
  it's
• 5:41
  a
• 5:41
  hobby.
• 5:42
  Even
• 5:43
  if
• 5:43
  you
• 5:43
  set
• 5:43
  aside
• 5:44
  40,
• 5:44
  50,
• 5:45
  maybe
• 5:45
  even
• 5:45
  $75
• 5:46
  into
• 5:47
  your
• 5:47
  budget,
• 5:48
  that
• 5:48
  matters.
• 5:49
  Because
• 5:50
  when
• 5:50
  you
• 5:50
  plan
• 5:50
  your
• 5:51
  joy,
• 5:52
  it's
• 5:52
  not
• 5:52
  about
• 5:53
  guilt
• 5:53
  anymore.
• 5:54
  It's
• 5:54
  about
• 5:54
  permission
• 5:55
  to
• 5:55
  live
• 5:56
  your
• 5:56
  life
• 5:56
  without
• 5:56
  restrictions.
• 5:58
  And
• 5:58
  finally
• 5:59
  do
• 5:59
  this.
• 5:59
  If
• 5:59
  you
• 6:00
  do
• 6:00
  nothing
• 6:00
  else,
• 6:01
  leave
• 6:02
  breathing
• 6:02
  room
• 6:02
  in
• 6:03
  your
• 6:03
  budget.
• 6:04
  If
• 6:04
  your
• 6:05
  budget
• 6:05
  hits
• 6:05
  zero
• 6:06
  with
• 6:06
  no
• 6:06
  margin,
• 6:07
  you're
• 6:07
  going
• 6:08
  to
• 6:08
  resent
• 6:08
  it.
• 6:08
  It's
• 6:08
  going
• 6:09
  to
• 6:09
  feel
• 6:09
  like
• 6:09
  a
• 6:09
  cage.
• 6:10
  It's
• 6:10
  going
• 6:10
  to
• 6:10
  feel
• 6:10
  like
• 6:10
  you're
• 6:10
  living
• 6:11
  in
• 6:11
  a
• 6:11
  prison
• 6:11
  sentence.
• 6:12
  So
• 6:13
  just
• 6:13
  aim
• 6:13
  for
• 6:13
  a
• 6:14
  small
• 6:14
  cushion.
• 6:15
  Even
• 6:15
  $50
• 6:16
  of
• 6:16
  unassigned
• 6:17
  money
• 6:17
  at
• 6:17
  the
• 6:18
  bottom
• 6:18
  is
• 6:18
  fine.
• 6:19
  Because
• 6:19
  what
• 6:20
  you'll
• 6:20
  find
• 6:20
  as
• 6:20
  you
• 6:20
  start
• 6:21
  to
• 6:21
  do
• 6:21
  this,
• 6:22
  peace
• 6:22
  will
• 6:23
  come
• 6:23
  from
• 6:23
  that
• 6:23
  margin,
• 6:24
  not
• 6:24
  perfection.
• 6:26
  And
• 6:26
  remember
• 6:27
  this,
• 6:28
  this
• 6:28
  is
• 6:29
  just
• 6:29
  the
• 6:29
  first
• 6:29
  version.
• 6:30
  You're
• 6:31
  allowed
• 6:31
  to
• 6:31
  adjust
• 6:32
  it
• 6:32
  next
• 6:32
  month.
• 6:32
  Hey,
• 6:33
  you're
• 6:33
  allowed
• 6:33
  to
• 6:33
  adjust
• 6:33
  it
• 6:34
  this
• 6:34
  week.
• 6:35
  If
• 6:35
  you
• 6:35
  notice
• 6:36
  that
• 6:36
  things
• 6:36
  aren't
• 6:36
  working,
• 6:37
  don't
• 6:37
  consider
• 6:38
  it
• 6:38
  a
• 6:38
  failure.
• 6:38
  Consider
• 6:39
  it
• 6:39
  a
• 6:39
  way
• 6:39
  to
• 6:40
  grow.
• 6:41
  Because
• 6:41
  here's
• 6:41
  the
• 6:41
  thing
• 6:42
  I
• 6:42
  want
• 6:42
  you
• 6:42
  to
• 6:42
  understand.
• 6:43
  A
• 6:44
  plan
• 6:44
  creates
• 6:45
  peace.
• 6:47
  So
• 6:47
  here's
• 6:47
  your
• 6:47
  15
• 6:48
  minute
• 6:49
  total
• 6:49
  win
• 6:49
  for
• 6:50
  today.
• 6:51
  Take
• 6:51
  15
• 6:51
  minutes
• 6:52
  right
• 6:52
  now
• 6:52
  and
• 6:53
  write
• 6:53
  your
• 6:53
  monthly
• 6:54
  take
• 6:54
  home
• 6:54
  income.
• 6:55
  Just
• 6:55
  start
• 6:55
  there.
• 6:55
  Go
• 6:55
  look
• 6:55
  at
• 6:56
  your
• 6:56
  pay
• 6:56
  stubs,
• 6:56
  Go
• 6:56
  look
• 6:57
  at
• 6:57
  your
• 6:57
  bank
• 6:57
  account.
• 6:58
  Go
• 6:58
  look
• 6:58
  at
• 6:58
  what
• 6:58
  actually
• 6:59
  hit
• 6:59
  your
• 6:59
  account.
• 7:00
  Start
• 7:00
  there
• 7:00
  at
• 7:00
  the
• 7:00
  top
• 7:01
  of
• 7:01
  the
• 7:01
  page
• 7:02
  and
• 7:02
  then
• 7:02
  cover
• 7:02
  those
• 7:03
  four
• 7:03
  essentials
• 7:04
  and
• 7:04
  add
• 7:04
  that
• 7:05
  one
• 7:05
  joy
• 7:05
  line.
• 7:06
  That's
• 7:07
  it.
• 7:07
  Now
• 7:08
  you've
• 7:08
  got
• 7:08
  a
• 7:08
  living
• 7:08
  plan
• 7:09
  that
• 7:09
  will
• 7:09
  work.
• 7:09
  Not
• 7:10
  a
• 7:10
  prison
• 7:10
  and
• 7:10
  not
• 7:11
  a
• 7:11
  cage.
• 7:12
  Well,
• 7:12
  let's
• 7:12
  get
• 7:12
  right
• 7:12
  to
• 7:12
  our
• 7:13
  Bible
• 7:13
  verse
• 7:13
  today
• 7:13
  comes
• 7:14
  to
• 7:14
  us
• 7:14
  from
• 7:14
  the
• 7:14
  book
• 7:14
  of
• 7:15
  Proverbs,
• 7:16
  chapter
• 7:16
  16,
• 7:17
  verse
• 7:17
  3.
• 7:18
  It
• 7:18
  says,
• 7:19
  Commit
• 7:19
  to
• 7:19
  the
• 7:19
  Lord
• 7:19
  whatever
• 7:20
  you
• 7:20
  do,
• 7:21
  and
• 7:21
  he
• 7:21
  will
• 7:22
  establish
• 7:22
  your
• 7:22
  plans.
• 7:24
  And
• 7:24
  I
• 7:24
  love
• 7:25
  this
• 7:25
  verse
• 7:25
  because
• 7:26
  when
• 7:26
  you
• 7:26
  invite
• 7:26
  God
• 7:27
  into
• 7:27
  your
• 7:27
  financial
• 7:28
  planning,
• 7:28
  a
• 7:29
  lot
• 7:29
  of
• 7:29
  people
• 7:29
  say,
• 7:29
  ralph,
• 7:30
  I
• 7:30
  don't
• 7:30
  understand
• 7:30
  how
• 7:30
  you
• 7:31
  merge
• 7:31
  these
• 7:31
  two
• 7:31
  worlds,
• 7:32
  faith
• 7:32
  and
• 7:32
  finance.
• 7:34
  It's
• 7:34
  all
• 7:34
  about
• 7:34
  inviting
• 7:35
  God
• 7:35
  into
• 7:35
  it.
• 7:36
  And
• 7:36
  when
• 7:37
  you
• 7:37
  invite
• 7:37
  God
• 7:37
  into
• 7:38
  your
• 7:38
  financial
• 7:38
  planning,
• 7:39
  he
• 7:39
  will
• 7:40
  replace
• 7:40
  that
• 7:40
  fear
• 7:41
  that
• 7:41
  you
• 7:41
  have.
• 7:41
  And
• 7:41
  listen,
• 7:42
  I've
• 7:42
  lived
• 7:42
  in
• 7:42
  that
• 7:43
  fear.
• 7:44
  I
• 7:44
  get
• 7:44
  it.
• 7:45
  But
• 7:45
  when
• 7:45
  you
• 7:45
  invite
• 7:46
  God
• 7:46
  in,
• 7:46
  he
• 7:46
  can
• 7:47
  replace
• 7:47
  that
• 7:47
  fear
• 7:48
  with
• 7:48
  stability
• 7:49
  and
• 7:49
  direction.
• 7:51
  Let's
• 7:51
  pray
• 7:51
  right
• 7:51
  now,
• 7:51
  together.
• 7:53
  Lord,
• 7:54
  my
• 7:54
  friend,
• 7:54
  right
• 7:55
  now,
• 7:55
  who
• 7:55
  feels
• 7:55
  overwhelmed
• 7:56
  by
• 7:56
  the
• 7:56
  word
• 7:57
  budget,
• 7:58
  I
• 7:58
  just
• 7:58
  ask
• 7:58
  that
• 7:58
  you
• 7:59
  would
• 7:59
  bring
• 7:59
  them
• 7:59
  peace.
• 8:01
  Remove
• 8:01
  the
• 8:01
  shame
• 8:02
  that's
• 8:02
  tied
• 8:02
  to
• 8:02
  past
• 8:03
  attempts
• 8:03
  to
• 8:03
  try
• 8:04
  to
• 8:04
  live
• 8:04
  in
• 8:04
  this
• 8:04
  restriction
• 8:05
  and
• 8:06
  remove
• 8:06
  the
• 8:06
  fear
• 8:06
  of
• 8:07
  getting
• 8:07
  it
• 8:07
  wrong.
• 8:07
  Lord,
• 8:09
  help
• 8:09
  them
• 8:09
  see
• 8:09
  this
• 8:10
  not
• 8:10
  as
• 8:10
  a
• 8:10
  restriction,
• 8:11
  but
• 8:11
  truly
• 8:11
  as
• 8:11
  living
• 8:12
  in
• 8:12
  stewardship.
• 8:14
  Give
• 8:14
  them
• 8:14
  clarity
• 8:15
  in
• 8:15
  the
• 8:15
  next
• 8:15
  15
• 8:16
  minutes,
• 8:16
  God,
• 8:17
  give
• 8:17
  them
• 8:18
  courage
• 8:18
  to
• 8:18
  face
• 8:18
  the
• 8:19
  numbers
• 8:20
  and
• 8:20
  give
• 8:20
  them
• 8:21
  peace
• 8:21
  as
• 8:21
  they
• 8:21
  build
• 8:22
  a
• 8:22
  simple
• 8:22
  plan.
• 8:23
  Establish
• 8:24
  their
• 8:24
  steps
• 8:25
  toward
• 8:26
  stabilize
• 8:26
  their
• 8:26
  mind
• 8:27
  and
• 8:27
  let
• 8:27
  this
• 8:27
  small
• 8:27
  act
• 8:28
  of
• 8:28
  order
• 8:28
  create
• 8:29
  lasting
• 8:29
  confidence.
• 8:30
  And
• 8:31
  we
• 8:31
  ask
• 8:31
  this
• 8:31
  in
• 8:32
  the
• 8:32
  name
• 8:32
  of
• 8:32
  Jesus.
• 8:33
  Amen.
• 8:35
  Friend,
• 8:35
  you
• 8:36
  don't
• 8:36
  need
• 8:36
  a
• 8:36
  perfect
• 8:36
  budget.
• 8:38
  You
• 8:38
  just
• 8:38
  need
• 8:38
  a
• 8:39
  peaceful
• 8:39
  one.
• 8:40
  And
• 8:40
  if
• 8:40
  you've
• 8:41
  got
• 8:41
  a
• 8:41
  question
• 8:41
  for
• 8:41
  this
• 8:42
  show,
• 8:42
  I
• 8:42
  love
• 8:42
  to
• 8:42
  answer
• 8:43
  questions,
• 8:43
  you
• 8:44
  can
• 8:44
  go
• 8:44
  to
• 8:44
  that
• 8:44
  by
• 8:45
  going
• 8:45
  to
• 8:45
  financiallyconfidentchristian.com?
• 8:50
  We'll
• 8:50
  put
• 8:50
  that
• 8:50
  in
• 8:50
  the
• 8:50
  show
• 8:51
  notes.
• 8:51
  But
• 8:51
  I'm
• 8:51
  going
• 8:51
  to
• 8:51
  give
• 8:51
  it
• 8:51
  to
• 8:51
  you
• 8:52
  again.
• 8:52
  It's
• 8:52
  financially
• 8:53
  confidentchristian.com?
• 8:57
  Hey,
• 8:57
  this
• 8:57
  show's
• 8:57
  fueled
• 8:58
  all
• 8:58
  about
• 8:58
  your
• 8:59
  questions.
• 9:00
  So
• 9:00
  thank
• 9:00
  you
• 9:00
  so
• 9:00
  much
• 9:01
  for
• 9:01
  joining
• 9:01
  me
• 9:01
  today.
• 9:02
  Stay
• 9:02
  financially
• 9:03
  savvy.
• 9:03
  May
• 9:03
  God
• 9:04
  bless
• 9:04
  you,
• 9:05
  and
• 9:05
  you
• 9:05
  have
• 9:05
  a
• 9:05
  truly
• 9:06
  great
• 9:06
  day
• 9:06
  today.