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Can Intentional Spending Reduce Budget Stress? · Becoming Financially Confident

• 0:38
  Got
• 0:38
  an
• 0:38
  email
• 0:39
  from
• 0:39
  a
• 0:39
  listener
• 0:39
  the
• 0:39
  other
• 0:40
  day,
• 0:40
  and
• 0:40
  I
• 0:40
  thought
• 0:40
  this
• 0:40
  was
• 0:41
  a
• 0:41
  great
• 0:41
  one,
• 0:41
  and
• 0:41
  I
• 0:41
  want
• 0:41
  to
• 0:41
  answer
• 0:42
  it
• 0:42
  on
• 0:42
  today's
• 0:42
  show.
• 0:43
  And
• 0:43
  she
• 0:43
  asked
• 0:43
  me
• 0:43
  this.
• 0:44
  She
• 0:44
  said,
• 0:45
  ralph,
• 0:45
  should
• 0:46
  I
• 0:46
  stop
• 0:46
  doing
• 0:46
  a
• 0:46
  budget
• 0:47
  if
• 0:47
  it's
• 0:47
  causing
• 0:48
  me
• 0:48
  a
• 0:48
  great
• 0:48
  deal
• 0:48
  of
• 0:48
  stress?
• 0:49
  And
• 0:49
  that's
• 0:49
  exactly
• 0:50
  what
• 0:50
  I
• 0:50
  want
• 0:50
  to
• 0:50
  talk
• 0:50
  about
• 0:51
  on
• 0:51
  today's
• 0:52
  show.
• 0:52
  Hey,
• 0:52
  there.
• 0:53
  Welcome
• 0:53
  back
• 0:53
  to
• 0:53
  your
• 0:53
  financially
• 0:54
  confident
• 0:54
  Christian.
• 0:55
  I'm
• 0:55
  Ralph.
• 0:55
  I'm
• 0:56
  here.
• 0:56
  I'm
• 0:56
  your
• 0:56
  guide
• 0:57
  to
• 0:57
  help
• 0:57
  you
• 0:57
  along
• 0:58
  life's
• 0:58
  path
• 0:59
  of
• 0:59
  navigating
• 1:00
  your
• 1:00
  financial
• 1:00
  journey.
• 1:01
  And
• 1:01
  I
• 1:01
  do
• 1:02
  this
• 1:02
  show
• 1:02
  every
• 1:02
  day
• 1:02
  because
• 1:03
  my
• 1:03
  goal
• 1:03
  is
• 1:03
  to
• 1:04
  help
• 1:04
  you
• 1:04
  break
• 1:04
  that
• 1:04
  cycle
• 1:05
  of.
• 1:05
  Of
• 1:05
  financial
• 1:06
  shame
• 1:06
  and
• 1:06
  do
• 1:06
  it
• 1:07
  with
• 1:07
  confidence.
• 1:08
  And
• 1:08
  today
• 1:08
  I
• 1:08
  got
• 1:08
  this
• 1:09
  great
• 1:09
  listener
• 1:10
  question,
• 1:10
  and
• 1:10
  this
• 1:11
  is
• 1:11
  from
• 1:11
  Sheila.
• 1:11
  And
• 1:12
  Sheila
• 1:12
  said
• 1:12
  this.
• 1:12
  She
• 1:12
  says,
• 1:13
  ralph,
• 1:13
  if
• 1:14
  my
• 1:14
  budget
• 1:14
  is
• 1:14
  causing
• 1:15
  me
• 1:15
  a
• 1:15
  great
• 1:15
  deal
• 1:15
  of
• 1:16
  stress,
• 1:16
  should
• 1:17
  I
• 1:17
  just
• 1:17
  stop
• 1:17
  doing
• 1:17
  it?
• 1:18
  And
• 1:19
  you
• 1:19
  know,
• 1:19
  Sheila,
• 1:19
  I
• 1:19
  thought
• 1:19
  that
• 1:20
  was
• 1:20
  a
• 1:20
  great
• 1:20
  question,
• 1:21
  and
• 1:21
  it
• 1:21
  was
• 1:21
  worthy
• 1:22
  of
• 1:22
  being
• 1:22
  on
• 1:22
  the
• 1:22
  show
• 1:22
  today.
• 1:23
  And
• 1:23
  I
• 1:23
  started
• 1:23
  thinking
• 1:23
  about,
• 1:23
  okay,
• 1:24
  well,
• 1:24
  what
• 1:24
  is
• 1:25
  causing
• 1:25
  you
• 1:25
  stress?
• 1:26
  What
• 1:26
  specifically
• 1:27
  is
• 1:27
  causing
• 1:27
  stress?
• 1:28
  And
• 1:28
  I
• 1:28
  started
• 1:28
  to
• 1:28
  think
• 1:29
  about
• 1:29
  the
• 1:29
  word
• 1:30
  budget.
• 1:31
  And,
• 1:31
  Sheila,
• 1:31
  I'm
• 1:32
  betting
• 1:32
  that
• 1:32
  it
• 1:33
  has
• 1:33
  to
• 1:33
  do
• 1:33
  with
• 1:34
  your
• 1:34
  mindset.
• 1:35
  Most
• 1:35
  people
• 1:36
  hear
• 1:36
  the
• 1:36
  word
• 1:36
  budget,
• 1:37
  and
• 1:37
  the
• 1:37
  first
• 1:37
  thing
• 1:37
  they
• 1:37
  think
• 1:37
  is
• 1:38
  restriction.
• 1:39
  I
• 1:39
  can't
• 1:40
  do
• 1:40
  these
• 1:40
  things.
• 1:40
  And
• 1:41
  so
• 1:41
  many
• 1:41
  people
• 1:42
  that
• 1:42
  I've
• 1:42
  talked
• 1:42
  to
• 1:43
  over
• 1:43
  the
• 1:43
  years.
• 1:43
  Listen,
• 1:44
  I've
• 1:44
  been
• 1:44
  in
• 1:44
  practice
• 1:44
  for
• 1:44
  30
• 1:45
  years,
• 1:45
  and
• 1:46
  so
• 1:46
  many
• 1:46
  people
• 1:46
  that
• 1:47
  I've
• 1:47
  talked
• 1:47
  to
• 1:47
  over
• 1:47
  the
• 1:48
  past
• 1:48
  30
• 1:48
  years
• 1:49
  have
• 1:49
  all
• 1:49
  said
• 1:49
  to
• 1:50
  me,
• 1:50
  ralph,
• 1:51
  I
• 1:51
  want
• 1:51
  to
• 1:51
  save
• 1:51
  money.
• 1:52
  I
• 1:52
  want
• 1:52
  to
• 1:52
  make
• 1:53
  better
• 1:53
  financial
• 1:54
  decisions.
• 1:54
  But
• 1:54
  the
• 1:54
  idea
• 1:55
  of
• 1:55
  doing
• 1:56
  a
• 1:56
  budget,
• 1:56
  Ralph,
• 1:57
  I
• 1:57
  just
• 1:57
  feel
• 1:57
  like
• 1:57
  that's
• 1:58
  like
• 1:58
  going
• 1:58
  on
• 1:58
  a
• 1:58
  diet.
• 1:59
  Let
• 1:59
  me
• 1:59
  just
• 1:59
  tell
• 1:59
  you,
• 1:59
  like,
• 2:00
  right
• 2:00
  now,
• 2:00
  I've
• 2:00
  been
• 2:00
  on
• 2:01
  a
• 2:01
  diet
• 2:01
  for
• 2:01
  a
• 2:01
  while
• 2:01
  now.
• 2:02
  Give
• 2:02
  you
• 2:02
  a
• 2:02
  little
• 2:03
  bit
• 2:03
  of
• 2:03
  my
• 2:03
  backstory.
• 2:04
  About
• 2:04
  15
• 2:05
  years
• 2:05
  ago,
• 2:05
  I
• 2:06
  landed
• 2:06
  at
• 2:07
  the
• 2:07
  doctor's
• 2:07
  office,
• 2:07
  and
• 2:08
  he
• 2:08
  said
• 2:08
  to
• 2:08
  me,
• 2:08
  he
• 2:09
  said,
• 2:09
  ralph,
• 2:09
  he
• 2:09
  said,
• 2:09
  you're
• 2:10
  going
• 2:10
  to
• 2:10
  pop.
• 2:10
  I
• 2:11
  said,
• 2:11
  well,
• 2:11
  what's
• 2:11
  going
• 2:11
  on,
• 2:11
  doc?
• 2:12
  He
• 2:12
  said,
• 2:12
  well,
• 2:12
  right
• 2:12
  now
• 2:13
  your
• 2:13
  blood
• 2:14
  pressure
• 2:14
  is
• 2:14
  200
• 2:15
  over
• 2:15
  100.
• 2:15
  I
• 2:16
  said,
• 2:16
  is
• 2:16
  that
• 2:16
  high?
• 2:16
  Because.
• 2:17
  Yeah,
• 2:17
  it's
• 2:18
  a.
• 2:18
  It's
• 2:18
  so
• 2:18
  high,
• 2:18
  Ralph,
• 2:19
  I
• 2:19
  should
• 2:19
  put
• 2:19
  you
• 2:19
  in
• 2:19
  an
• 2:19
  ambulance
• 2:20
  and
• 2:20
  send
• 2:20
  you
• 2:21
  to
• 2:21
  the
• 2:21
  hospital.
• 2:22
  So
• 2:22
  what
• 2:22
  did
• 2:22
  he
• 2:23
  say
• 2:23
  to
• 2:23
  me?
• 2:23
  He
• 2:23
  said,
• 2:23
  right
• 2:23
  away,
• 2:23
  we
• 2:24
  got
• 2:24
  to
• 2:24
  get
• 2:24
  that
• 2:24
  blood
• 2:24
  pressure
• 2:25
  down.
• 2:25
  He
• 2:25
  said,
• 2:25
  you
• 2:25
  need
• 2:25
  to
• 2:25
  go
• 2:26
  on
• 2:26
  a
• 2:26
  diet.
• 2:27
  And
• 2:27
  I
• 2:27
  thought,
• 2:27
  oh,
• 2:28
  great.
• 2:28
  I've
• 2:29
  been
• 2:29
  on
• 2:29
  diets
• 2:29
  my
• 2:29
  entire
• 2:30
  life.
• 2:30
  I'm
• 2:30
  the
• 2:31
  definition
• 2:31
  of
• 2:31
  a
• 2:32
  yo
• 2:32
  yo
• 2:32
  dieter.
• 2:33
  And
• 2:34
  why
• 2:34
  did
• 2:34
  I
• 2:34
  have
• 2:34
  such
• 2:35
  a
• 2:35
  negative
• 2:35
  feeling
• 2:35
  about
• 2:36
  that?
• 2:36
  Because
• 2:36
  as
• 2:36
  soon
• 2:36
  as
• 2:37
  he
• 2:37
  said
• 2:37
  the
• 2:37
  word
• 2:37
  diet,
• 2:38
  the
• 2:38
  first
• 2:39
  thing
• 2:39
  that
• 2:39
  popped
• 2:39
  into
• 2:39
  my
• 2:40
  head
• 2:40
  was
• 2:41
  restriction.
• 2:42
  I
• 2:42
  can't
• 2:42
  do
• 2:43
  this.
• 2:43
  I
• 2:44
  am
• 2:44
  not
• 2:44
  able
• 2:44
  to
• 2:44
  do
• 2:45
  this.
• 2:45
  Don't
• 2:46
  do
• 2:46
  these
• 2:46
  things.
• 2:47
  And
• 2:48
  Sheila,
• 2:48
  I
• 2:48
  bet
• 2:48
  in
• 2:49
  a
• 2:49
  lot
• 2:49
  of
• 2:49
  ways
• 2:49
  that's
• 2:50
  probably
• 2:50
  what's
• 2:50
  causing
• 2:51
  you
• 2:51
  stress.
• 2:52
  Somebody
• 2:52
  said
• 2:53
  to
• 2:53
  you
• 2:53
  or
• 2:53
  you
• 2:53
  decided,
• 2:54
  you
• 2:54
  know
• 2:54
  what,
• 2:54
  Ralph,
• 2:54
  I
• 2:55
  need
• 2:55
  to
• 2:55
  start
• 2:55
  doing
• 2:55
  a
• 2:56
  budget.
• 2:56
  So
• 2:56
  I
• 2:56
  put
• 2:56
  together
• 2:57
  a
• 2:57
  budget.
• 2:57
  Maybe
• 2:57
  it's
• 2:58
  very
• 2:58
  simple
• 2:58
  for
• 2:58
  you.
• 2:58
  It
• 2:59
  just
• 2:59
  started
• 2:59
  with
• 3:00
  your
• 3:00
  income
• 3:01
  and
• 3:01
  then
• 3:01
  you
• 3:01
  listed
• 3:02
  your
• 3:02
  expenses
• 3:02
  and
• 3:02
  you're
• 3:03
  starting
• 3:03
  thinking,
• 3:03
  yeah,
• 3:04
  but
• 3:04
  then
• 3:04
  if
• 3:04
  I
• 3:04
  want
• 3:04
  to
• 3:04
  go
• 3:05
  out
• 3:05
  with
• 3:05
  my
• 3:05
  friends
• 3:05
  on
• 3:05
  the
• 3:06
  weekend,
• 3:06
  I
• 3:06
  can't
• 3:07
  do
• 3:07
  that.
• 3:07
  If
• 3:08
  I
• 3:08
  want
• 3:08
  to
• 3:08
  take
• 3:08
  that
• 3:08
  quick
• 3:09
  trip
• 3:09
  for
• 3:09
  a
• 3:10
  quick
• 3:10
  weekend
• 3:10
  getaway,
• 3:11
  I
• 3:11
  can't
• 3:12
  do
• 3:12
  that.
• 3:12
  Or
• 3:13
  if
• 3:13
  I
• 3:13
  want
• 3:13
  to
• 3:13
  go
• 3:13
  out
• 3:13
  to
• 3:13
  dinner
• 3:14
  with
• 3:14
  my
• 3:15
  spouse
• 3:15
  or
• 3:15
  something
• 3:16
  like,
• 3:16
  I
• 3:16
  can't
• 3:16
  do
• 3:16
  that.
• 3:17
  Or
• 3:17
  if
• 3:17
  I'm
• 3:17
  window
• 3:18
  shopping
• 3:18
  or
• 3:19
  online
• 3:19
  scrolling,
• 3:20
  I
• 3:20
  call
• 3:20
  it
• 3:20
  the
• 3:20
  desk
• 3:20
  scroll
• 3:21
  online
• 3:21
  on
• 3:21
  Amazon,
• 3:22
  I
• 3:22
  can't
• 3:22
  do
• 3:22
  that.
• 3:23
  But
• 3:24
  here's
• 3:24
  the
• 3:24
  thing
• 3:24
  I
• 3:24
  want
• 3:24
  you
• 3:24
  to
• 3:25
  understand,
• 3:25
  Sheila,
• 3:26
  it's
• 3:26
  not
• 3:26
  that
• 3:26
  you
• 3:27
  can't
• 3:27
  do
• 3:27
  that.
• 3:27
  And
• 3:28
  this
• 3:28
  is
• 3:28
  the
• 3:28
  mindset
• 3:29
  shift.
• 3:29
  I
• 3:29
  really
• 3:29
  want
• 3:30
  you
• 3:30
  to
• 3:30
  sort
• 3:30
  of
• 3:31
  focus
• 3:31
  in
• 3:31
  on
• 3:31
  today.
• 3:32
  It's
• 3:32
  not
• 3:33
  that
• 3:33
  you
• 3:33
  can't
• 3:33
  do
• 3:34
  that.
• 3:34
  I
• 3:35
  want
• 3:35
  to
• 3:35
  change
• 3:35
  the
• 3:35
  verbiage
• 3:36
  a
• 3:36
  little
• 3:36
  bit
• 3:36
  here
• 3:36
  for
• 3:37
  you.
• 3:37
  I'm
• 3:37
  going
• 3:37
  to
• 3:37
  have
• 3:37
  you
• 3:37
  start
• 3:38
  to
• 3:38
  think
• 3:38
  about
• 3:38
  this
• 3:39
  in.
• 3:39
  Instead
• 3:40
  of
• 3:40
  using
• 3:40
  the
• 3:40
  word
• 3:40
  budget,
• 3:41
  I
• 3:41
  want
• 3:42
  you
• 3:42
  to
• 3:42
  start
• 3:42
  thinking
• 3:42
  about
• 3:43
  intentional.
• 3:44
  Because
• 3:44
  truly
• 3:45
  what
• 3:45
  a
• 3:45
  budget
• 3:46
  is
• 3:46
  at
• 3:46
  its
• 3:46
  very
• 3:47
  core
• 3:47
  is
• 3:48
  an
• 3:48
  intentional
• 3:49
  decision.
• 3:49
  It's
• 3:50
  an
• 3:50
  intentional
• 3:50
  spending
• 3:50
  plan.
• 3:51
  A
• 3:51
  friend
• 3:51
  of
• 3:51
  mine,
• 3:51
  Karen,
• 3:52
  she
• 3:52
  does
• 3:52
  a
• 3:53
  Block
• 3:54
  a
• 3:54
  Marriage
• 3:54
  and
• 3:54
  Money
• 3:55
  blog.
• 3:55
  I
• 3:55
  encourage
• 3:55
  you
• 3:56
  to
• 3:56
  check
• 3:56
  it
• 3:56
  out.
• 3:56
  But
• 3:56
  she
• 3:57
  uses
• 3:57
  the
• 3:57
  term
• 3:58
  intentional
• 3:58
  spending
• 3:59
  plan.
• 3:59
  And
• 3:59
  I
• 4:00
  really
• 4:00
  think
• 4:00
  that's
• 4:00
  a
• 4:00
  great
• 4:00
  way
• 4:01
  to
• 4:01
  encapsulate
• 4:02
  this.
• 4:02
  Because
• 4:03
  the
• 4:03
  truth
• 4:03
  is
• 4:04
  what
• 4:04
  you're
• 4:04
  trying
• 4:04
  to
• 4:05
  do
• 4:05
  is
• 4:05
  you're
• 4:06
  trying
• 4:06
  to
• 4:06
  be
• 4:06
  intentional
• 4:07
  in
• 4:08
  your
• 4:08
  spending.
• 4:08
  You're
• 4:09
  trying
• 4:09
  to
• 4:09
  give
• 4:09
  every
• 4:10
  dollar
• 4:10
  a
• 4:10
  job.
• 4:11
  For
• 4:11
  example,
• 4:11
  you're
• 4:12
  going
• 4:12
  to
• 4:12
  say,
• 4:12
  these
• 4:13
  dollars
• 4:13
  are
• 4:13
  for
• 4:14
  giving,
• 4:14
  these
• 4:15
  dollars
• 4:15
  are
• 4:15
  for
• 4:16
  saving.
• 4:16
  These
• 4:17
  dollars
• 4:17
  are
• 4:18
  for
• 4:18
  that
• 4:18
  mortgage
• 4:18
  comp
• 4:19
  payment
• 4:19
  because
• 4:19
  you
• 4:19
  want
• 4:19
  to
• 4:20
  have
• 4:20
  a
• 4:20
  place
• 4:20
  to
• 4:20
  live.
• 4:21
  These
• 4:21
  dollars
• 4:21
  are
• 4:22
  for
• 4:22
  that
• 4:22
  car
• 4:22
  payment.
• 4:23
  These
• 4:23
  dollars
• 4:23
  are
• 4:24
  for
• 4:24
  my
• 4:24
  entertainment
• 4:25
  budget.
• 4:25
  I
• 4:25
  use
• 4:26
  the
• 4:26
  word
• 4:26
  budget
• 4:26
  again.
• 4:26
  See,
• 4:26
  I
• 4:27
  caught
• 4:27
  myself.
• 4:27
  But
• 4:28
  it's
• 4:28
  all
• 4:28
  about
• 4:29
  intentionality.
• 4:30
  Now,
• 4:31
  in
• 4:31
  my
• 4:31
  personal
• 4:32
  view,
• 4:32
  intentionality
• 4:34
  shouldn't
• 4:34
  necessarily
• 4:35
  lead
• 4:35
  to
• 4:35
  stress
• 4:36
  because,
• 4:37
  see,
• 4:37
  most
• 4:37
  of
• 4:37
  the
• 4:37
  times
• 4:38
  I
• 4:38
  think
• 4:38
  people
• 4:39
  get
• 4:39
  to
• 4:39
  a
• 4:39
  level
• 4:39
  of
• 4:40
  stress
• 4:40
  because
• 4:41
  they
• 4:41
  have
• 4:41
  anxiety,
• 4:42
  because
• 4:42
  they're
• 4:42
  going
• 4:42
  to
• 4:43
  make
• 4:43
  a
• 4:43
  mistake.
• 4:43
  And
• 4:43
  here's
• 4:44
  another
• 4:44
  thing
• 4:44
  I
• 4:44
  want
• 4:44
  to
• 4:44
  share
• 4:44
  with
• 4:45
  you
• 4:45
  right
• 4:45
  now,
• 4:46
  Sheila.
• 4:47
  If
• 4:47
  you're
• 4:47
  looking
• 4:47
  for
• 4:47
  perfection,
• 4:48
  you're
• 4:49
  going
• 4:49
  to
• 4:49
  be
• 4:49
  in
• 4:49
  trouble
• 4:49
  because
• 4:50
  you're
• 4:50
  never
• 4:50
  going
• 4:50
  to
• 4:50
  be
• 4:50
  perfect
• 4:51
  at
• 4:51
  this.
• 4:51
  Listen,
• 4:52
  I've
• 4:52
  been
• 4:52
  doing
• 4:52
  accounting
• 4:53
  and
• 4:54
  consulting
• 4:54
  financial
• 4:55
  assistance
• 4:55
  for
• 4:56
  30
• 4:56
  years,
• 4:57
  and
• 4:57
  I'm
• 4:57
  going
• 4:57
  to
• 4:58
  tell
• 4:58
  you
• 4:58
  right
• 4:58
  now,
• 4:59
  I
• 4:59
  struggle
• 4:59
  with
• 5:00
  this
• 5:00
  sometimes.
• 5:01
  And
• 5:01
  you're
• 5:01
  going
• 5:01
  to
• 5:01
  struggle
• 5:01
  with
• 5:02
  this,
• 5:02
  too,
• 5:02
  Sheila.
• 5:03
  So
• 5:03
  part
• 5:03
  of
• 5:03
  the
• 5:04
  thing
• 5:04
  that
• 5:04
  could
• 5:04
  be
• 5:04
  causing
• 5:05
  some
• 5:05
  of
• 5:05
  your
• 5:05
  stress
• 5:06
  or
• 5:06
  your
• 5:06
  anxiety
• 5:07
  is
• 5:07
  that
• 5:08
  you
• 5:08
  think
• 5:08
  you
• 5:08
  have
• 5:08
  to
• 5:08
  be
• 5:09
  a
• 5:09
  hundred
• 5:09
  percent
• 5:09
  on
• 5:10
  point
• 5:10
  all
• 5:10
  the
• 5:11
  time.
• 5:11
  Well,
• 5:11
  you're
• 5:12
  just
• 5:12
  not
• 5:12
  going
• 5:12
  to
• 5:12
  be.
• 5:12
  That's
• 5:13
  not
• 5:13
  a
• 5:13
  realistic
• 5:13
  expectation.
• 5:14
  But
• 5:15
  when
• 5:15
  you
• 5:15
  have
• 5:15
  that
• 5:16
  intentional
• 5:17
  spending
• 5:17
  plan,
• 5:18
  then
• 5:18
  you
• 5:18
  go
• 5:18
  and
• 5:18
  look
• 5:19
  at.
• 5:19
  Okay,
• 5:19
  here's
• 5:19
  what
• 5:20
  my
• 5:20
  intentional
• 5:20
  spending
• 5:21
  plan
• 5:21
  was.
• 5:21
  This
• 5:21
  week
• 5:22
  I
• 5:22
  wanted
• 5:22
  to
• 5:22
  spend
• 5:23
  $130
• 5:24
  on
• 5:24
  groceries.
• 5:25
  Well,
• 5:25
  if
• 5:25
  you're
• 5:25
  tracking
• 5:26
  your
• 5:26
  income,
• 5:26
  you're
• 5:27
  tracking
• 5:27
  your
• 5:27
  expenses,
• 5:28
  then
• 5:28
  you
• 5:28
  can
• 5:28
  go
• 5:29
  say,
• 5:29
  okay,
• 5:29
  well,
• 5:29
  listen,
• 5:29
  this
• 5:29
  week
• 5:30
  I
• 5:30
  spent
• 5:30
  $150
• 5:31
  on
• 5:31
  groceries.
• 5:32
  So
• 5:33
  you
• 5:33
  can
• 5:33
  then
• 5:33
  make
• 5:33
  a
• 5:34
  decision.
• 5:34
  Oh,
• 5:34
  okay.
• 5:35
  Well,
• 5:35
  I
• 5:35
  don't
• 5:35
  want
• 5:35
  to
• 5:35
  go
• 5:36
  over
• 5:36
  my
• 5:37
  intentionality
• 5:38
  anymore.
• 5:39
  So
• 5:39
  now,
• 5:39
  this
• 5:40
  shouldn't
• 5:40
  cause
• 5:40
  you
• 5:40
  stress.
• 5:41
  It
• 5:41
  shouldn't.
• 5:41
  It
• 5:41
  should
• 5:41
  cause
• 5:42
  you
• 5:42
  some
• 5:43
  ability
• 5:44
  to
• 5:44
  be
• 5:44
  intentional.
• 5:45
  It
• 5:45
  should
• 5:45
  cause
• 5:46
  you
• 5:46
  the
• 5:46
  ability
• 5:46
  to
• 5:47
  have
• 5:47
  control.
• 5:47
  Because
• 5:47
  in
• 5:48
  the
• 5:48
  end,
• 5:48
  Sheila,
• 5:48
  and
• 5:48
  here's
• 5:49
  my
• 5:49
  big
• 5:49
  takeaway
• 5:50
  for
• 5:50
  today.
• 5:51
  Instead
• 5:52
  of
• 5:52
  stress,
• 5:53
  start
• 5:53
  thinking
• 5:53
  about
• 5:53
  the
• 5:54
  word
• 5:54
  control.
• 5:55
  Because
• 5:55
  the
• 5:55
  truth
• 5:56
  of
• 5:56
  the
• 5:56
  matter
• 5:56
  is
• 5:56
  when
• 5:56
  we're
• 5:57
  in
• 5:57
  control
• 5:57
  of
• 5:58
  a
• 5:58
  situation,
• 5:59
  my
• 5:59
  oldest
• 6:00
  son
• 6:00
  is
• 6:00
  great
• 6:00
  at
• 6:00
  this.
• 6:00
  My
• 6:01
  oldest
• 6:01
  son
• 6:01
  is
• 6:01
  one
• 6:02
  of
• 6:02
  those
• 6:02
  people
• 6:02
  and
• 6:02
  he's
• 6:03
  in
• 6:03
  the
• 6:03
  US
• 6:03
  Coast
• 6:03
  Guard
• 6:04
  and
• 6:04
  I
• 6:04
  salute
• 6:04
  his
• 6:04
  service.
• 6:05
  But
• 6:05
  he's
• 6:05
  one
• 6:05
  of
• 6:06
  those
• 6:06
  guys
• 6:06
  that,
• 6:07
  that
• 6:07
  he's
• 6:07
  intentional
• 6:08
  in
• 6:08
  his
• 6:08
  actions.
• 6:09
  When
• 6:10
  the
• 6:10
  crap
• 6:10
  hits
• 6:10
  the
• 6:10
  fan,
• 6:11
  as
• 6:11
  they
• 6:11
  say,
• 6:11
  my
• 6:12
  son
• 6:12
  Ryan
• 6:12
  knows
• 6:13
  what
• 6:13
  to
• 6:13
  do.
• 6:13
  He
• 6:13
  jumps
• 6:14
  into
• 6:14
  action.
• 6:15
  He
• 6:15
  has
• 6:16
  no
• 6:16
  stress
• 6:16
  in
• 6:16
  that
• 6:16
  situation
• 6:17
  because
• 6:17
  he
• 6:18
  has
• 6:18
  a
• 6:18
  plan.
• 6:18
  He
• 6:19
  has
• 6:19
  control
• 6:19
  of
• 6:20
  his
• 6:20
  facilities.
• 6:21
  Well,
• 6:21
  an
• 6:21
  intentional
• 6:22
  spending
• 6:22
  plan
• 6:23
  should
• 6:23
  put
• 6:23
  you
• 6:24
  in
• 6:24
  that
• 6:24
  same
• 6:24
  place
• 6:25
  shield.
• 6:25
  So
• 6:25
  that's
• 6:26
  my
• 6:26
  encouragement
• 6:26
  for
• 6:26
  today.
• 6:27
  Instead
• 6:28
  of
• 6:28
  getting
• 6:28
  stressed,
• 6:29
  instead
• 6:30
  of
• 6:30
  having
• 6:30
  anxiety,
• 6:31
  instead
• 6:32
  of
• 6:32
  having.
• 6:32
  And
• 6:32
  let
• 6:32
  me.
• 6:33
  Let's
• 6:33
  call
• 6:33
  it
• 6:33
  what
• 6:33
  it
• 6:33
  is.
• 6:34
  What
• 6:34
  it
• 6:34
  is
• 6:34
  is
• 6:34
  really
• 6:35
  fear.
• 6:35
  It's
• 6:36
  fear
• 6:36
  that
• 6:36
  you're
• 6:36
  going
• 6:37
  to
• 6:37
  overspend.
• 6:37
  So
• 6:38
  instead
• 6:38
  of
• 6:38
  having
• 6:39
  that
• 6:39
  fear
• 6:39
  shield,
• 6:40
  I
• 6:40
  just
• 6:40
  want
• 6:40
  to
• 6:40
  encourage
• 6:41
  you,
• 6:41
  be
• 6:41
  intentional.
• 6:43
  And
• 6:43
  listen,
• 6:43
  the
• 6:43
  key
• 6:44
  to
• 6:44
  that
• 6:44
  is
• 6:44
  you're
• 6:45
  going
• 6:45
  to
• 6:45
  then
• 6:45
  have
• 6:46
  control
• 6:46
  of
• 6:47
  your
• 6:47
  finances.
• 6:48
  So
• 6:48
  my
• 6:48
  one
• 6:48
  action
• 6:49
  step
• 6:49
  for
• 6:49
  today
• 6:49
  is
• 6:50
  to
• 6:50
  change
• 6:50
  the
• 6:51
  dynamic,
• 6:51
  change
• 6:51
  that
• 6:52
  mindset
• 6:52
  and
• 6:53
  move
• 6:53
  away
• 6:53
  from
• 6:53
  that
• 6:54
  thought
• 6:54
  of
• 6:54
  stress
• 6:54
  and
• 6:55
  anxiety
• 6:55
  and
• 6:56
  lack
• 6:56
  of
• 6:56
  control
• 6:57
  and
• 6:57
  start
• 6:57
  thinking
• 6:58
  about
• 6:58
  that
• 6:58
  intentional
• 6:59
  spending
• 6:59
  plan
• 7:00
  where
• 7:00
  you
• 7:00
  don't
• 7:01
  have
• 7:01
  anxiety.
• 7:01
  You
• 7:01
  have
• 7:02
  a
• 7:02
  clear,
• 7:03
  structured
• 7:03
  plan
• 7:04
  to.
• 7:04
  You
• 7:04
  can
• 7:04
  test
• 7:04
  that
• 7:05
  plan
• 7:05
  as
• 7:05
  you
• 7:06
  actually
• 7:06
  spend
• 7:06
  money
• 7:07
  and
• 7:07
  more
• 7:08
  Importantly,
• 7:08
  you're
• 7:09
  finally
• 7:09
  in
• 7:09
  control.
• 7:09
  Well,
• 7:10
  how
• 7:10
  about
• 7:10
  we
• 7:10
  pray
• 7:10
  together
• 7:11
  today,
• 7:11
  Father
• 7:12
  God,
• 7:12
  we
• 7:12
  just
• 7:12
  thank
• 7:13
  you
• 7:13
  for
• 7:13
  the
• 7:13
  ability
• 7:14
  to
• 7:14
  really
• 7:14
  think
• 7:15
  on
• 7:15
  these
• 7:15
  tough
• 7:15
  financial
• 7:16
  topics,
• 7:16
  Lord.
• 7:17
  And
• 7:17
  we
• 7:17
  know
• 7:18
  sometimes
• 7:18
  that
• 7:18
  we're
• 7:18
  going
• 7:19
  to
• 7:19
  stumble,
• 7:19
  Lord,
• 7:19
  and
• 7:19
  we're
• 7:20
  going
• 7:20
  to
• 7:20
  make
• 7:20
  mistakes
• 7:21
  and
• 7:21
  we're
• 7:21
  not
• 7:21
  going
• 7:21
  to
• 7:21
  be
• 7:22
  perfect
• 7:22
  in
• 7:23
  the
• 7:23
  execution
• 7:23
  of
• 7:23
  what
• 7:24
  we
• 7:24
  do.
• 7:24
  But
• 7:24
  Lord,
• 7:24
  we
• 7:25
  know
• 7:25
  you're
• 7:25
  a
• 7:25
  Lord
• 7:25
  of
• 7:25
  grace
• 7:26
  and
• 7:26
  we
• 7:26
  know
• 7:27
  you're
• 7:27
  a
• 7:27
  Lord
• 7:27
  of
• 7:28
  always
• 7:28
  being
• 7:28
  there
• 7:28
  for
• 7:29
  us.
• 7:29
  So,
• 7:29
  Lord,
• 7:29
  we
• 7:29
  just
• 7:29
  ask
• 7:30
  that
• 7:30
  you
• 7:30
  would
• 7:30
  come
• 7:30
  alongside
• 7:31
  us
• 7:31
  right
• 7:31
  now.
• 7:32
  And,
• 7:32
  and
• 7:32
  I
• 7:32
  especially
• 7:33
  ask
• 7:33
  for
• 7:33
  blessings
• 7:34
  for
• 7:34
  Sheila
• 7:35
  as
• 7:35
  she
• 7:35
  battles
• 7:35
  this
• 7:36
  situation
• 7:36
  with
• 7:37
  stress
• 7:37
  with
• 7:37
  her
• 7:37
  budget.
• 7:38
  Lord,
• 7:38
  I
• 7:38
  just
• 7:38
  ask
• 7:39
  that
• 7:39
  you
• 7:39
  would
• 7:39
  empower
• 7:40
  her,
• 7:40
  give
• 7:40
  her
• 7:41
  strength
• 7:41
  to
• 7:41
  really
• 7:41
  see
• 7:41
  this
• 7:42
  not
• 7:42
  as
• 7:42
  a
• 7:42
  restriction,
• 7:43
  but
• 7:43
  as
• 7:44
  a
• 7:44
  way
• 7:44
  to
• 7:44
  actually
• 7:45
  gain
• 7:45
  control
• 7:46
  and
• 7:46
  have
• 7:46
  the
• 7:47
  peace
• 7:47
  that
• 7:47
  you
• 7:47
  want
• 7:47
  us,
• 7:48
  a
• 7:48
  peace
• 7:48
  that
• 7:48
  surpasses
• 7:49
  all
• 7:49
  understanding,
• 7:50
  Lord.
• 7:50
  And
• 7:50
  we
• 7:50
  ask
• 7:51
  this
• 7:51
  in
• 7:51
  confidence
• 7:52
  in
• 7:52
  Jesus
• 7:53
  name.
• 7:54
  Well,
• 7:54
  listen,
• 7:55
  I
• 7:55
  just
• 7:55
  want
• 7:55
  to
• 7:55
  thank
• 7:55
  you
• 7:55
  for
• 7:56
  listening
• 7:56
  today.
• 7:56
  If
• 7:57
  you
• 7:57
  found
• 7:57
  value
• 7:58
  in
• 7:58
  today's
• 7:58
  show,
• 7:58
  I
• 7:58
  want
• 7:58
  to
• 7:59
  encourage
• 7:59
  you.
• 7:59
  I
• 7:59
  want
• 8:00
  to
• 8:00
  grow
• 8:00
  the
• 8:00
  show.
• 8:00
  I
• 8:00
  want
• 8:01
  to
• 8:01
  reach
• 8:01
  more
• 8:01
  people.
• 8:02
  It
• 8:02
  would
• 8:02
  be
• 8:02
  great
• 8:02
  if
• 8:03
  you
• 8:03
  could
• 8:03
  share
• 8:03
  the
• 8:03
  show.
• 8:03
  You
• 8:04
  can
• 8:04
  send
• 8:04
  an
• 8:04
  email,
• 8:05
  you
• 8:05
  can
• 8:05
  send
• 8:05
  a
• 8:05
  text.
• 8:06
  Just
• 8:06
  send
• 8:06
  them
• 8:06
  to
• 8:06
  our
• 8:07
  website.
• 8:07
  That's
• 8:08
  financially
• 8:08
  confidentchristian.com
• 8:10
  and
• 8:10
  hey,
• 8:10
  while
• 8:10
  you're
• 8:10
  there,
• 8:11
  I've
• 8:11
  got
• 8:11
  a
• 8:11
  special
• 8:12
  gift
• 8:12
  for
• 8:12
  you
• 8:13
  for
• 8:13
  everybody
• 8:14
  who
• 8:14
  goes
• 8:14
  to
• 8:14
  the
• 8:14
  website.
• 8:14
  And
• 8:15
  again,
• 8:15
  that's
• 8:15
  financiallyconfidentchristian.com
• 8:18
  becoming
• 8:18
  See,
• 8:18
  guess
• 8:19
  what?
• 8:19
  I
• 8:19
  just
• 8:19
  released
• 8:19
  my
• 8:20
  newest
• 8:20
  book.
• 8:20
  It's
• 8:21
  called
• 8:21
  how
• 8:21
  to
• 8:21
  Become
• 8:21
  a
• 8:22
  Financially
• 8:22
  Confident
• 8:22
  Christian.
• 8:23
  I
• 8:23
  want
• 8:23
  to
• 8:24
  give
• 8:24
  you
• 8:24
  a
• 8:24
  free
• 8:24
  copy
• 8:25
  of
• 8:25
  that
• 8:25
  book.
• 8:25
  You
• 8:25
  can
• 8:26
  get
• 8:26
  to
• 8:26
  that
• 8:26
  by
• 8:26
  going
• 8:27
  to
• 8:27
  financiallyconfidentchristian.com
• 8:30
  becoming
• 8:31
  go
• 8:31
  get
• 8:31
  your
• 8:31
  free
• 8:32
  copy
• 8:32
  today
• 8:32
  and
• 8:33
  let's
• 8:33
  start
• 8:33
  to
• 8:33
  break
• 8:34
  that
• 8:34
  cycle
• 8:35
  of
• 8:35
  financial
• 8:35
  shame
• 8:36
  and
• 8:36
  do
• 8:36
  it
• 8:37
  with
• 8:37
  confidence.
• 8:37
  So
• 8:38
  as
• 8:38
  I
• 8:38
  part
• 8:38
  today,
• 8:38
  I
• 8:39
  just
• 8:39
  wish
• 8:39
  you
• 8:39
  well.
• 8:40
  I
• 8:40
  know
• 8:40
  you've
• 8:41
  got
• 8:41
  the
• 8:41
  ability
• 8:41
  to
• 8:42
  do
• 8:42
  this.
• 8:42
  I
• 8:42
  have
• 8:42
  confidence
• 8:43
  in
• 8:43
  you.
• 8:43
  I
• 8:43
  have
• 8:43
  faith
• 8:44
  in
• 8:44
  you.
• 8:44
  Have
• 8:45
  faith
• 8:45
  in
• 8:45
  yourself.
• 8:46
  God
• 8:46
  bless
• 8:46
  you.
• 8:46
  And
• 8:47
  you
• 8:47
  have
• 8:47
  a
• 8:47
  great
• 8:47
  day
• 8:47
  today.