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How Do I Stay Motivated When Retirement Savings Feel Small? · Becoming Financially Confident

• 0:37
  $50
• 0:38
  a
• 0:38
  paycheck
• 0:38
  can
• 0:39
  feel
• 0:39
  embarrassing.
• 0:41
  Not
• 0:41
  because
• 0:41
  it's
• 0:41
  nothing,
• 0:43
  but
• 0:43
  because
• 0:43
  it
• 0:44
  feels
• 0:44
  like
• 0:44
  it's
• 0:44
  not
• 0:44
  enough,
• 0:46
  like
• 0:46
  you're
• 0:47
  trying
• 0:47
  to
• 0:47
  fill
• 0:47
  a
• 0:47
  swimming
• 0:48
  pool
• 0:48
  with
• 0:48
  a
• 0:48
  teaspoon.
• 0:49
  And
• 0:50
  when
• 0:50
  you
• 0:50
  do
• 0:50
  the
• 0:50
  math,
• 0:52
  your
• 0:52
  brain
• 0:52
  starts
• 0:52
  whispering
• 0:53
  some
• 0:53
  things
• 0:53
  that
• 0:54
  aren't
• 0:54
  too
• 0:54
  nice.
• 0:56
  What's
• 0:56
  the
• 0:57
  point?
• 0:58
  I'm
• 0:58
  too
• 0:59
  far
• 0:59
  behind.
• 1:00
  This
• 1:01
  isn't
• 1:01
  going
• 1:01
  to
• 1:01
  change
• 1:02
  anything.
• 1:04
  Friend,
• 1:04
  listen
• 1:05
  to
• 1:05
  me.
• 1:06
  Small
• 1:07
  savings
• 1:07
  is
• 1:07
  not
• 1:08
  a
• 1:08
  sign
• 1:08
  of
• 1:08
  failure.
• 1:10
  It's
• 1:10
  actually
• 1:11
  a
• 1:11
  sign
• 1:11
  you
• 1:11
  haven't
• 1:12
  quit.
• 1:13
  And
• 1:13
  today,
• 1:14
  I'm
• 1:14
  going
• 1:14
  to
• 1:14
  help
• 1:14
  you
• 1:14
  keep
• 1:15
  going
• 1:15
  without
• 1:15
  drowning
• 1:16
  in
• 1:16
  discouragement.
• 1:39
  Hey,
• 1:39
  friend.
• 1:40
  Ralph
• 1:40
  Estep
• 1:41
  Jr.
• 1:41
  Here.
• 1:41
  And
• 1:41
  this
• 1:41
  is
• 1:41
  Financially
• 1:42
  Confident
• 1:43
  Christian,
• 1:44
  where
• 1:44
  we
• 1:44
  break
• 1:44
  the
• 1:45
  cycle
• 1:45
  of
• 1:45
  financial
• 1:45
  shame
• 1:46
  and
• 1:46
  really
• 1:47
  live
• 1:47
  in
• 1:47
  confidence.
• 1:49
  And
• 1:49
  today's
• 1:49
  topic
• 1:50
  is
• 1:50
  how
• 1:50
  to
• 1:51
  stay
• 1:51
  motivated
• 1:51
  when
• 1:52
  retirement
• 1:52
  savings
• 1:53
  feel
• 1:53
  small.
• 1:55
  So
• 1:55
  many
• 1:56
  of
• 1:56
  us
• 1:56
  feel
• 1:56
  that
• 1:56
  from
• 1:57
  time
• 1:57
  to
• 1:57
  time.
• 1:57
  So
• 1:57
  let's
• 1:58
  get
• 1:58
  right
• 1:58
  to
• 1:58
  our
• 1:58
  listener
• 1:59
  question.
• 2:00
  Listener
• 2:00
  writes
• 2:00
  this.
• 2:01
  Ralph,
• 2:02
  I'm
• 2:02
  trying
• 2:02
  to
• 2:02
  save
• 2:03
  for
• 2:03
  retirement,
• 2:04
  but
• 2:04
  all
• 2:04
  I
• 2:04
  can
• 2:05
  scrape
• 2:05
  together
• 2:05
  is
• 2:05
  $50
• 2:06
  a
• 2:06
  paycheck.
• 2:08
  It
• 2:08
  feels
• 2:08
  pathetic,
• 2:09
  like
• 2:09
  I'm
• 2:10
  putting
• 2:10
  a
• 2:10
  band
• 2:10
  aid
• 2:10
  on
• 2:10
  a
• 2:11
  gunshot
• 2:11
  wound.
• 2:12
  I
• 2:12
  love
• 2:12
  that
• 2:13
  analogy,
• 2:13
  by
• 2:13
  the
• 2:13
  way.
• 2:14
  I
• 2:15
  run
• 2:15
  the
• 2:15
  numbers,
• 2:15
  and
• 2:15
  it
• 2:16
  seems
• 2:16
  pointless,
• 2:17
  like
• 2:17
  I'll
• 2:18
  never
• 2:18
  have
• 2:18
  enough
• 2:18
  anyway.
• 2:20
  How
• 2:20
  do
• 2:20
  I
• 2:20
  keep
• 2:20
  going
• 2:21
  when
• 2:21
  the
• 2:21
  progress
• 2:22
  feels
• 2:22
  so
• 2:22
  impossibly
• 2:23
  small?
• 2:24
  I
• 2:24
  don't
• 2:25
  want
• 2:25
  to
• 2:25
  give
• 2:25
  up,
• 2:26
  but
• 2:26
  I'm
• 2:27
  struggling
• 2:27
  to
• 2:27
  see
• 2:27
  the
• 2:28
  point.
• 2:30
  You
• 2:30
  know
• 2:30
  what?
• 2:31
  So
• 2:31
  many
• 2:31
  people
• 2:31
  feel
• 2:32
  that
• 2:32
  same
• 2:32
  way.
• 2:33
  I
• 2:33
  bet
• 2:33
  if
• 2:33
  we
• 2:33
  took
• 2:34
  a
• 2:34
  poll
• 2:34
  of
• 2:34
  the
• 2:34
  audience
• 2:35
  right
• 2:35
  now,
• 2:36
  so
• 2:36
  many
• 2:36
  people
• 2:36
  would
• 2:37
  have
• 2:37
  their
• 2:37
  hands
• 2:37
  up.
• 2:39
  So
• 2:39
  here's
• 2:40
  a
• 2:40
  big
• 2:40
  idea
• 2:40
  for
• 2:40
  today.
• 2:41
  You
• 2:41
  got
• 2:41
  to
• 2:41
  really
• 2:41
  lean
• 2:41
  into
• 2:42
  this.
• 2:42
  Retirement
• 2:43
  is
• 2:43
  built
• 2:43
  the
• 2:44
  same
• 2:44
  way.
• 2:44
  Faith
• 2:44
  is
• 2:45
  built
• 2:46
  by
• 2:47
  steady
• 2:47
  obedience
• 2:49
  in
• 2:49
  small
• 2:49
  steps.
• 2:51
  So
• 2:51
  how
• 2:51
  do
• 2:51
  we
• 2:52
  get
• 2:52
  to
• 2:52
  that
• 2:52
  point?
• 2:53
  First
• 2:54
  thing,
• 2:55
  stop
• 2:55
  calling
• 2:55
  it
• 2:56
  small.
• 2:57
  It's
• 2:57
  not
• 2:57
  small.
• 2:59
  Start
• 2:59
  calling
• 3:00
  it
• 3:00
  consistent.
• 3:01
  See,
• 3:02
  the
• 3:02
  enemy
• 3:02
  of
• 3:03
  retirement
• 3:03
  savings
• 3:04
  is
• 3:04
  not
• 3:04
  $50.
• 3:07
  It's
• 3:07
  discouragement.
• 3:09
  Because
• 3:09
  that's
• 3:09
  what
• 3:09
  we're
• 3:10
  really
• 3:10
  battling
• 3:10
  here.
• 3:11
  We're
• 3:11
  battling
• 3:11
  discouragement.
• 3:13
  And
• 3:13
  see,
• 3:13
  discouragement
• 3:14
  says,
• 3:15
  if
• 3:15
  I
• 3:15
  can't
• 3:15
  do
• 3:16
  a
• 3:16
  lot,
• 3:17
  why
• 3:17
  do
• 3:18
  I
• 3:18
  do
• 3:18
  anything?
• 3:20
  I
• 3:20
  felt
• 3:20
  that
• 3:21
  so
• 3:21
  many
• 3:21
  times.
• 3:21
  I
• 3:22
  put
• 3:22
  off
• 3:22
  retirement
• 3:23
  savings
• 3:23
  for
• 3:23
  a
• 3:24
  long
• 3:24
  time
• 3:24
  because
• 3:24
  I
• 3:24
  thought,
• 3:25
  you
• 3:25
  know
• 3:25
  what?
• 3:25
  I
• 3:25
  really
• 3:25
  can't
• 3:26
  do
• 3:26
  that
• 3:26
  much,
• 3:26
  so
• 3:26
  why
• 3:27
  bother?
• 3:27
  I'm
• 3:28
  not
• 3:28
  gonna
• 3:28
  do
• 3:28
  anything.
• 3:30
  But
• 3:30
  consistency
• 3:31
  beats
• 3:31
  intensity.
• 3:32
  It
• 3:32
  beats
• 3:32
  it
• 3:33
  every
• 3:33
  single
• 3:34
  day.
• 3:34
  See,
• 3:34
  $50
• 3:35
  a
• 3:36
  paycheck
• 3:38
  means
• 3:39
  let's
• 3:39
  walk
• 3:39
  it
• 3:39
  out
• 3:40
  clearly.
• 3:41
  Here's
• 3:41
  what
• 3:42
  it
• 3:42
  really
• 3:42
  means.
• 3:42
  You're
• 3:42
  25
• 3:43
  years
• 3:43
  old.
• 3:44
  I
• 3:44
  wanted
• 3:44
  to
• 3:45
  do
• 3:45
  the
• 3:45
  math
• 3:45
  here.
• 3:45
  I
• 3:46
  say,
• 3:46
  don't
• 3:46
  do
• 3:46
  math
• 3:47
  in
• 3:47
  podcasts,
• 3:47
  but
• 3:47
  I'm
• 3:48
  gonna
• 3:48
  do
• 3:48
  the
• 3:48
  math
• 3:48
  because
• 3:48
  I
• 3:49
  really
• 3:49
  want
• 3:49
  to
• 3:49
  lean
• 3:49
  into
• 3:50
  this.
• 3:50
  If
• 3:50
  you're
• 3:51
  25
• 3:51
  years
• 3:51
  old,
• 3:52
  investing
• 3:53
  $50
• 3:54
  a
• 3:54
  week
• 3:54
  until
• 3:54
  you
• 3:55
  reach
• 3:55
  age
• 3:55
  65,
• 3:56
  now
• 3:56
  that's
• 3:56
  40
• 3:57
  years
• 3:57
  of
• 3:57
  investing.
• 3:58
  Let's
• 3:59
  talk
• 3:59
  about
• 3:59
  this.
• 3:59
  That's
• 4:00
  $2,600
• 4:01
  a
• 4:01
  year.
• 4:02
  So
• 4:02
  in
• 4:03
  40
• 4:03
  years
• 4:04
  at
• 4:04
  $2,600
• 4:05
  a
• 4:05
  year,
• 4:05
  that's
• 4:06
  $104,000
• 4:08
  that
• 4:08
  you've
• 4:08
  contributed.
• 4:10
  So
• 4:10
  even
• 4:10
  if
• 4:10
  there's
• 4:11
  no
• 4:11
  growth,
• 4:11
  I'm
• 4:12
  talking
• 4:12
  about
• 4:12
  zero
• 4:13
  return
• 4:13
  on
• 4:13
  that,
• 4:15
  you'd
• 4:16
  have
• 4:16
  over
• 4:16
  $100,000
• 4:17
  thousand
• 4:17
  dollars
• 4:18
  saved.
• 4:19
  That's
• 4:20
  not
• 4:20
  chump
• 4:20
  change.
• 4:20
  That's
• 4:21
  a
• 4:21
  lot
• 4:21
  of
• 4:21
  money.
• 4:22
  But
• 4:23
  that's
• 4:23
  not
• 4:23
  even
• 4:23
  the
• 4:23
  whole
• 4:24
  story.
• 4:24
  See,
• 4:24
  the
• 4:24
  real
• 4:24
  story
• 4:25
  is
• 4:25
  the
• 4:25
  growth.
• 4:27
  Let's
• 4:27
  talk
• 4:27
  about
• 4:27
  compounding.
• 4:29
  Let's
• 4:29
  assume
• 4:30
  a
• 4:30
  long
• 4:30
  term
• 4:31
  average
• 4:31
  annual
• 4:32
  return
• 4:32
  of
• 4:32
  7%.
• 4:33
  That's,
• 4:34
  that's
• 4:34
  a
• 4:34
  conservative
• 4:35
  stock
• 4:35
  market
• 4:35
  average,
• 4:36
  actually.
• 4:37
  But
• 4:38
  8%
• 4:39
  or
• 4:39
  even
• 4:39
  10%,
• 4:41
  here's
• 4:41
  what
• 4:41
  that
• 4:42
  looks
• 4:42
  like.
• 4:42
  Let's
• 4:42
  just
• 4:42
  say
• 4:42
  we
• 4:43
  say
• 4:43
  7%.
• 4:45
  Remember
• 4:45
  what
• 4:45
  I
• 4:45
  said?
• 4:46
  $2,600,
• 4:47
  $50
• 4:48
  a
• 4:48
  week
• 4:49
  at
• 4:50
  7%
• 4:51
  return
• 4:51
  when
• 4:51
  you
• 4:51
  turn
• 4:52
  65.
• 4:52
  Ready
• 4:53
  for
• 4:53
  this
• 4:53
  one?
• 4:53
  That's
• 4:53
  a
• 4:53
  lot
• 4:54
  of
• 4:54
  money.
• 4:54
  Listen
• 4:54
  to
• 4:54
  this.
• 4:55
  If
• 4:55
  it's
• 4:55
  an
• 4:55
  8%
• 4:56
  return,
• 4:57
  again,
• 4:57
  very
• 4:57
  doable
• 4:58
  in
• 4:58
  the
• 4:58
  market,
• 5:00
  you'll
• 5:00
  have
• 5:01
  $648,000.
• 5:04
  Ready
• 5:05
  for
• 5:05
  this
• 5:05
  one
• 5:05
  again,
• 5:06
  $50,
• 5:07
  10%
• 5:09
  return,
• 5:10
  you'll
• 5:10
  have
• 5:10
  approximately
• 5:11
  $905,000.
• 5:15
  Let
• 5:16
  that
• 5:16
  sink
• 5:16
  in
• 5:16
  for
• 5:16
  a
• 5:17
  second.
• 5:18
  $50
• 5:19
  a
• 5:19
  week,
• 5:19
  nothing
• 5:20
  flashy,
• 5:21
  nothing
• 5:21
  dramatic,
• 5:22
  just
• 5:22
  consistent.
• 5:24
  And
• 5:24
  you're
• 5:25
  looking
• 5:25
  at
• 5:26
  a
• 5:26
  half
• 5:26
  to
• 5:27
  nearly
• 5:27
  a
• 5:27
  million
• 5:28
  dollars.
• 5:30
  See,
• 5:31
  you're
• 5:31
  training
• 5:31
  a
• 5:31
  habit.
• 5:32
  You're
• 5:32
  building
• 5:33
  identity.
• 5:34
  And
• 5:34
  you're
• 5:35
  proven
• 5:35
  that
• 5:35
  you
• 5:35
  can
• 5:36
  be
• 5:36
  faithful.
• 5:38
  And
• 5:38
  that
• 5:38
  matters
• 5:39
  more
• 5:39
  than
• 5:39
  the
• 5:39
  number
• 5:40
  today.
• 5:42
  But
• 5:42
  how
• 5:42
  do
• 5:42
  you
• 5:43
  get
• 5:43
  there?
• 5:43
  You
• 5:43
  gotta
• 5:43
  tie
• 5:44
  your
• 5:44
  goal
• 5:44
  to
• 5:44
  a
• 5:44
  future
• 5:45
  you
• 5:45
  can
• 5:45
  actually
• 5:46
  care
• 5:46
  about.
• 5:48
  Because
• 5:48
  I
• 5:48
  don't
• 5:48
  know
• 5:49
  about
• 5:49
  you,
• 5:49
  but
• 5:49
  I'm
• 5:49
  not
• 5:49
  motivated
• 5:50
  by
• 5:50
  spreadsheets.
• 5:52
  But
• 5:52
  I
• 5:53
  am
• 5:53
  motivated
• 5:53
  by
• 5:53
  a
• 5:54
  picture.
• 5:56
  Make
• 5:56
  it
• 5:56
  personal
• 5:56
  for
• 5:57
  yourself.
• 5:58
  Picture.
• 5:58
  That
• 5:59
  retirement
• 5:59
  savings
• 6:00
  is
• 6:00
  me
• 6:01
  loving
• 6:01
  future
• 6:01
  me.
• 6:02
  What
• 6:02
  does
• 6:02
  that
• 6:02
  look
• 6:02
  like?
• 6:02
  Are
• 6:03
  you
• 6:03
  on
• 6:03
  the
• 6:04
  beach
• 6:05
  when
• 6:05
  you're
• 6:05
  on
• 6:05
  a
• 6:05
  boat?
• 6:06
  Are
• 6:06
  you
• 6:06
  traveling?
• 6:08
  Maybe
• 6:08
  for
• 6:08
  you
• 6:08
  it's
• 6:09
  deeper
• 6:09
  than
• 6:09
  that.
• 6:09
  It's
• 6:09
  protecting
• 6:10
  my
• 6:10
  spouse.
• 6:10
  I
• 6:11
  want
• 6:11
  to
• 6:11
  make
• 6:11
  sure
• 6:11
  my
• 6:11
  wife
• 6:12
  is
• 6:12
  always
• 6:12
  taken
• 6:12
  care
• 6:13
  of.
• 6:14
  That's
• 6:15
  the
• 6:15
  picture
• 6:15
  I
• 6:15
  put
• 6:16
  in
• 6:16
  my
• 6:16
  mind.
• 6:16
  Or
• 6:16
  for
• 6:16
  me,
• 6:16
  maybe
• 6:17
  it's
• 6:17
  just
• 6:17
  choosing
• 6:18
  peace
• 6:18
  later.
• 6:19
  Because
• 6:19
  maybe
• 6:19
  you've
• 6:20
  seen
• 6:20
  how.
• 6:20
  Maybe
• 6:21
  your
• 6:21
  parents
• 6:21
  or
• 6:22
  your,
• 6:22
  your
• 6:22
  grandparents
• 6:23
  struggled.
• 6:24
  Maybe
• 6:24
  they're
• 6:24
  struggling
• 6:25
  right
• 6:25
  now.
• 6:25
  Maybe
• 6:25
  you're
• 6:26
  listening
• 6:26
  to
• 6:26
  this
• 6:26
  right
• 6:26
  now
• 6:27
  and
• 6:27
  you're
• 6:27
  struggling.
• 6:29
  But
• 6:29
  give
• 6:30
  it
• 6:30
  a
• 6:30
  name.
• 6:31
  Instead
• 6:32
  of
• 6:32
  retirement,
• 6:32
  maybe
• 6:33
  your
• 6:33
  Future
• 6:33
  Peace
• 6:34
  Fund.
• 6:34
  I
• 6:34
  love
• 6:35
  that
• 6:35
  one.
• 6:36
  Or
• 6:36
  how
• 6:36
  about
• 6:36
  the
• 6:36
  older
• 6:37
  me
• 6:37
  fund.
• 6:38
  Guess
• 6:38
  what?
• 6:38
  You're
• 6:38
  going
• 6:39
  to
• 6:39
  get
• 6:39
  older.
• 6:41
  Or
• 6:41
  how
• 6:41
  about
• 6:41
  this
• 6:41
  one?
• 6:43
  My
• 6:43
  Freedom
• 6:44
  Fund.
• 6:46
  See,
• 6:46
  because
• 6:46
  when
• 6:46
  that
• 6:47
  account
• 6:47
  has
• 6:47
  meaning,
• 6:49
  it
• 6:49
  stops
• 6:50
  feeling
• 6:50
  pointless.
• 6:52
  But
• 6:52
  now
• 6:52
  here's
• 6:53
  something
• 6:53
  practical
• 6:53
  you
• 6:54
  can
• 6:54
  do.
• 6:54
  A
• 6:54
  lot
• 6:54
  of
• 6:54
  people
• 6:54
  don't
• 6:55
  think
• 6:55
  about
• 6:55
  this
• 6:55
  one.
• 6:56
  Make
• 6:56
  sure
• 6:56
  you're
• 6:56
  not
• 6:56
  missing
• 6:57
  free
• 6:57
  money.
• 6:58
  When
• 6:59
  clients
• 6:59
  come
• 6:59
  in
• 6:59
  to
• 6:59
  get
• 6:59
  their
• 7:00
  taxes
• 7:00
  on,
• 7:00
  the
• 7:00
  first
• 7:01
  thing
• 7:01
  I
• 7:01
  ask
• 7:01
  them
• 7:01
  is,
• 7:02
  are
• 7:02
  you
• 7:02
  covered
• 7:02
  by
• 7:03
  a
• 7:03
  pension
• 7:03
  plan
• 7:03
  at
• 7:03
  work?
• 7:05
  So
• 7:05
  if
• 7:05
  your
• 7:05
  employer
• 7:06
  offers
• 7:06
  a
• 7:06
  match.
• 7:07
  Now,
• 7:07
  what
• 7:07
  I'm
• 7:07
  talking
• 7:07
  about,
• 7:08
  there
• 7:08
  is
• 7:08
  a
• 7:08
  lot
• 7:08
  of
• 7:08
  employers.
• 7:09
  If
• 7:09
  you've
• 7:09
  got
• 7:09
  a
• 7:10
  retirement
• 7:10
  plan,
• 7:11
  they
• 7:11
  will
• 7:11
  match
• 7:12
  what
• 7:13
  you
• 7:13
  put
• 7:13
  into
• 7:13
  the
• 7:14
  plan.
• 7:16
  Well,
• 7:16
  that's
• 7:16
  free
• 7:16
  money.
• 7:18
  So
• 7:18
  even
• 7:18
  if
• 7:18
  you
• 7:19
  can't
• 7:19
  contribute
• 7:20
  all
• 7:20
  that
• 7:21
  you
• 7:21
  want
• 7:21
  to
• 7:21
  get,
• 7:21
  at
• 7:22
  least
• 7:22
  do
• 7:22
  enough
• 7:22
  to
• 7:22
  get
• 7:23
  to
• 7:23
  the
• 7:23
  match.
• 7:25
  If
• 7:25
  their
• 7:25
  match
• 7:26
  is
• 7:26
  3%,
• 7:26
  listen,
• 7:27
  you
• 7:27
  better
• 7:27
  be
• 7:27
  putting
• 7:28
  3%
• 7:28
  in.
• 7:30
  And
• 7:30
  if
• 7:30
  you
• 7:31
  don't
• 7:31
  have
• 7:31
  a
• 7:31
  match,
• 7:33
  I
• 7:33
  still
• 7:33
  encourage
• 7:34
  you
• 7:34
  to
• 7:34
  put
• 7:34
  something
• 7:34
  away.
• 7:36
  It
• 7:36
  doesn't
• 7:36
  have
• 7:37
  to
• 7:37
  be
• 7:37
  perfect,
• 7:37
  just
• 7:37
  automatic.
• 7:38
  And
• 7:38
  if
• 7:38
  you
• 7:38
  don't
• 7:38
  have
• 7:39
  a
• 7:39
  plan
• 7:39
  at
• 7:39
  all,
• 7:40
  go
• 7:41
  create
• 7:41
  a
• 7:41
  simple
• 7:41
  IRA
• 7:42
  plan
• 7:42
  or
• 7:42
  a
• 7:43
  Roth
• 7:43
  ira.
• 7:43
  Now,
• 7:43
  we
• 7:43
  could
• 7:44
  have
• 7:44
  a
• 7:44
  whole
• 7:44
  discussion
• 7:44
  about
• 7:45
  that,
• 7:45
  but
• 7:45
  set
• 7:45
  it
• 7:46
  up
• 7:46
  to
• 7:46
  be
• 7:46
  automatic,
• 7:48
  because
• 7:48
  automatic
• 7:48
  beats
• 7:49
  emotional
• 7:50
  every
• 7:50
  day.
• 7:51
  Here's
• 7:51
  another
• 7:52
  practical
• 7:52
  tip.
• 7:53
  Use
• 7:53
  what
• 7:53
  I
• 7:54
  call
• 7:54
  the
• 7:54
  1%
• 7:55
  promise.
• 7:56
  You
• 7:56
  don't
• 7:57
  have
• 7:57
  to
• 7:57
  jump
• 7:57
  from
• 7:57
  $50
• 7:58
  to
• 7:58
  $200
• 7:59
  overnight.
• 8:00
  That's
• 8:00
  how
• 8:00
  people
• 8:01
  get
• 8:01
  burned
• 8:01
  out.
• 8:01
  I've
• 8:02
  seen
• 8:02
  so
• 8:02
  many
• 8:02
  people
• 8:03
  say,
• 8:03
  oh,
• 8:03
  I've
• 8:03
  really
• 8:04
  got
• 8:04
  to
• 8:04
  start
• 8:04
  planning
• 8:04
  for
• 8:05
  retirement.
• 8:05
  I'm
• 8:06
  going
• 8:06
  to
• 8:06
  put
• 8:06
  $200
• 8:07
  a
• 8:07
  week
• 8:07
  in.
• 8:08
  Well,
• 8:09
  guess
• 8:09
  what?
• 8:10
  If
• 8:10
  you're
• 8:10
  not
• 8:10
  living,
• 8:10
  if
• 8:11
  you're
• 8:11
  not
• 8:11
  used
• 8:11
  to
• 8:11
  living
• 8:11
  that
• 8:12
  in
• 8:12
  your
• 8:12
  budget,
• 8:12
  that
• 8:12
  can
• 8:12
  hurt.
• 8:14
  But
• 8:14
  if
• 8:14
  you
• 8:14
  choose
• 8:15
  a
• 8:15
  tiny
• 8:15
  increase
• 8:16
  schedule,
• 8:17
  here's
• 8:17
  a
• 8:17
  great
• 8:17
  example
• 8:17
  that
• 8:17
  let's
• 8:18
  say
• 8:18
  every
• 8:18
  90
• 8:19
  days,
• 8:20
  this
• 8:20
  is
• 8:20
  doable,
• 8:20
  I
• 8:21
  think.
• 8:21
  Increase
• 8:22
  it
• 8:22
  by
• 8:22
  $5
• 8:23
  or
• 8:23
  maybe
• 8:24
  1%
• 8:24
  of
• 8:25
  your
• 8:25
  pay,
• 8:25
  or
• 8:25
  $10.
• 8:27
  The
• 8:28
  goal
• 8:28
  is
• 8:28
  not
• 8:29
  guilt
• 8:29
  here.
• 8:29
  The
• 8:29
  goal
• 8:29
  is
• 8:30
  growth.
• 8:31
  And
• 8:31
  little
• 8:32
  by
• 8:32
  little,
• 8:33
  that
• 8:33
  1%
• 8:34
  or
• 8:34
  that
• 8:34
  $5,
• 8:35
  the
• 8:35
  habit
• 8:35
  grows.
• 8:37
  And
• 8:37
  little
• 8:37
  by
• 8:38
  little,
• 8:39
  the
• 8:39
  account
• 8:39
  grows
• 8:40
  as
• 8:40
  well.
• 8:42
  But
• 8:43
  here's
• 8:43
  the
• 8:43
  other
• 8:43
  thing.
• 8:44
  You
• 8:45
  got
• 8:45
  to
• 8:45
  look
• 8:45
  at
• 8:45
  this
• 8:45
  thing.
• 8:46
  By
• 8:46
  zooming
• 8:46
  out
• 8:47
  a
• 8:47
  little
• 8:47
  bit,
• 8:48
  those
• 8:49
  small
• 8:49
  seeds
• 8:52
  become
• 8:52
  real
• 8:53
  trees
• 8:53
  in
• 8:53
  the
• 8:53
  end.
• 8:55
  Think
• 8:56
  about
• 8:56
  this.
• 8:56
  Have
• 8:56
  you
• 8:56
  ever
• 8:56
  planted
• 8:57
  some
• 8:57
  seeds
• 8:57
  in
• 8:57
  your
• 8:58
  yard?
• 8:59
  It's
• 8:59
  funny,
• 8:59
  on
• 9:00
  my
• 9:00
  farm
• 9:00
  here,
• 9:00
  when
• 9:01
  we
• 9:01
  first
• 9:01
  moved
• 9:01
  in
• 9:01
  10
• 9:02
  years
• 9:02
  ago,
• 9:03
  we
• 9:03
  have
• 9:03
  a
• 9:03
  farm
• 9:04
  that
• 9:04
  has
• 9:04
  a
• 9:05
  big
• 9:05
  roadway
• 9:05
  in
• 9:05
  front
• 9:06
  of
• 9:06
  us.
• 9:06
  One
• 9:06
  of
• 9:06
  the
• 9:06
  things
• 9:07
  my
• 9:07
  wife
• 9:07
  and
• 9:07
  I
• 9:07
  wanted
• 9:07
  is
• 9:08
  some
• 9:08
  privacy.
• 9:08
  So
• 9:08
  I'll
• 9:08
  never
• 9:08
  forget,
• 9:09
  we
• 9:09
  planted
• 9:09
  some
• 9:09
  trees
• 9:10
  out
• 9:10
  there.
• 9:10
  And
• 9:11
  when
• 9:11
  we
• 9:11
  planted
• 9:11
  them,
• 9:11
  they
• 9:12
  were
• 9:12
  about
• 9:12
  3ft
• 9:12
  high
• 9:14
  as
• 9:14
  I
• 9:14
  drove
• 9:15
  over
• 9:15
  this
• 9:15
  morning.
• 9:15
  Beautiful
• 9:16
  snow
• 9:16
  on
• 9:16
  this,
• 9:17
  on
• 9:17
  the
• 9:17
  trees
• 9:17
  today.
• 9:18
  Those
• 9:18
  trees
• 9:19
  are
• 9:19
  over
• 9:19
  30ft
• 9:20
  high
• 9:20
  now,
• 9:22
  but
• 9:22
  they
• 9:23
  started
• 9:23
  real
• 9:23
  small.
• 9:25
  That
• 9:25
  small
• 9:26
  seed
• 9:26
  you're
• 9:26
  planting
• 9:27
  in
• 9:27
  your
• 9:27
  retirement
• 9:28
  account
• 9:29
  is
• 9:29
  going
• 9:29
  to
• 9:30
  blossom
• 9:30
  into
• 9:30
  real
• 9:30
  big
• 9:31
  trees.
• 9:33
  And
• 9:33
  here's
• 9:33
  the
• 9:34
  thing,
• 9:34
  don't
• 9:34
  check
• 9:34
  your
• 9:35
  balance
• 9:35
  every
• 9:35
  day
• 9:36
  because
• 9:36
  it'll
• 9:36
  be
• 9:37
  overwhelming
• 9:37
  because
• 9:38
  you're
• 9:38
  going
• 9:38
  to
• 9:38
  feel
• 9:38
  like
• 9:38
  nothing's
• 9:39
  happening.
• 9:41
  So
• 9:41
  as
• 9:41
  I
• 9:41
  always
• 9:41
  say
• 9:41
  on
• 9:42
  this
• 9:42
  show,
• 9:42
  pick
• 9:42
  a
• 9:42
  rhythm,
• 9:43
  check
• 9:43
  it
• 9:43
  quarterly,
• 9:44
  celebrate
• 9:45
  the
• 9:45
  progress,
• 9:46
  track
• 9:46
  those
• 9:46
  contributions,
• 9:47
  look
• 9:47
  at
• 9:47
  what
• 9:47
  you're
• 9:48
  really
• 9:48
  doing
• 9:48
  and
• 9:49
  remind
• 9:49
  yourself
• 9:49
  this
• 9:51
  progress
• 9:51
  isn't
• 9:52
  only
• 9:52
  the
• 9:52
  market
• 9:53
  gains.
• 9:55
  Progress
• 9:55
  is
• 9:55
  that
• 9:55
  you
• 9:55
  didn't
• 9:56
  quit.
• 9:58
  Because
• 9:58
  one
• 9:58
  thing
• 9:58
  I
• 9:59
  know
• 9:59
  is
• 9:59
  those
• 10:00
  faithful
• 10:00
  steps,
• 10:01
  they
• 10:01
  add
• 10:01
  up
• 10:01
  over
• 10:01
  time.
• 10:03
  So
• 10:03
  here's
• 10:04
  your
• 10:04
  win
• 10:04
  for
• 10:04
  today.
• 10:06
  Set
• 10:06
  your
• 10:06
  retirement
• 10:07
  contribution,
• 10:07
  auto
• 10:08
  increase
• 10:10
  if
• 10:10
  your
• 10:10
  plan
• 10:10
  allows
• 10:11
  it,
• 10:11
  do
• 10:11
  1%
• 10:12
  per
• 10:12
  year.
• 10:13
  If
• 10:13
  not,
• 10:14
  set
• 10:14
  a
• 10:14
  calendar
• 10:15
  reminder
• 10:15
  for
• 10:15
  90
• 10:15
  days
• 10:16
  from
• 10:16
  now
• 10:16
  to
• 10:16
  increase
• 10:16
  it
• 10:17
  by
• 10:17
  $5
• 10:18
  or
• 10:18
  $10
• 10:18
  today.
• 10:19
  Just
• 10:20
  that
• 10:20
  simple.
• 10:21
  Because
• 10:21
  one
• 10:21
  small
• 10:22
  decision
• 10:22
  today
• 10:23
  protects
• 10:23
  your
• 10:24
  future
• 10:24
  without
• 10:24
  pressure.
• 10:26
  Well,
• 10:26
  let's
• 10:26
  look
• 10:27
  at
• 10:27
  the
• 10:27
  Bible
• 10:27
  verse
• 10:27
  I
• 10:27
  picked
• 10:28
  out
• 10:28
  for
• 10:28
  today.
• 10:28
  It's
• 10:28
  from
• 10:28
  the
• 10:28
  book
• 10:29
  of
• 10:29
  Proverbs,
• 10:30
  chapter
• 10:30
  13,
• 10:31
  verse
• 10:31
  11.
• 10:33
  Whoever
• 10:34
  gathers
• 10:34
  money
• 10:34
  little
• 10:35
  by
• 10:35
  little
• 10:36
  makes
• 10:36
  it
• 10:36
  grow
• 10:38
  again.
• 10:38
  That
• 10:38
  was
• 10:38
  Proverbs
• 10:39
  13:11.
• 10:41
  Why
• 10:41
  is
• 10:41
  that?
• 10:43
  Because
• 10:43
  God
• 10:43
  honors
• 10:44
  steady
• 10:44
  faithfulness.
• 10:46
  And
• 10:47
  yes,
• 10:47
  growth
• 10:47
  is
• 10:48
  often
• 10:48
  slow.
• 10:49
  But
• 10:49
  when
• 10:50
  you
• 10:50
  look
• 10:50
  at
• 10:50
  that
• 10:50
  account
• 10:50
  balance
• 10:51
  at
• 10:51
  65
• 10:52
  and
• 10:52
  you've
• 10:52
  got
• 10:52
  almost
• 10:52
  a
• 10:53
  half
• 10:53
  a
• 10:53
  million
• 10:53
  dollars
• 10:54
  by
• 10:54
  putting
• 10:54
  $50
• 10:54
  a
• 10:55
  week
• 10:55
  away,
• 10:56
  that's
• 10:56
  real
• 10:56
  growth,
• 10:57
  my
• 10:57
  friend.
• 10:58
  How
• 10:58
  about
• 10:58
  we
• 10:59
  pray
• 10:59
  together?
• 11:00
  Lord
• 11:01
  God,
• 11:01
  you
• 11:01
  see
• 11:01
  the
• 11:02
  discouragement
• 11:02
  on
• 11:02
  our
• 11:03
  faces
• 11:03
  and
• 11:03
  in
• 11:03
  our
• 11:04
  hearts
• 11:04
  sometimes.
• 11:05
  And
• 11:05
  you
• 11:06
  see
• 11:06
  how
• 11:06
  easy
• 11:06
  it
• 11:06
  is
• 11:07
  to
• 11:07
  look
• 11:07
  at
• 11:07
  a
• 11:07
  small
• 11:08
  number
• 11:08
  and
• 11:08
  feel
• 11:08
  like
• 11:09
  it
• 11:09
  doesn't
• 11:09
  matter.
• 11:10
  I
• 11:11
  just
• 11:11
  want
• 11:11
  you
• 11:11
  to
• 11:11
  remind
• 11:12
  my
• 11:12
  friend
• 11:12
  that
• 11:12
  faithfulness
• 11:13
  does
• 11:13
  matter,
• 11:14
  Lord.
• 11:15
  So
• 11:15
  give
• 11:16
  them
• 11:16
  strength
• 11:16
  to
• 11:16
  keep
• 11:16
  showing
• 11:17
  up.
• 11:18
  Give
• 11:18
  us
• 11:19
  all
• 11:19
  wisdom
• 11:19
  to
• 11:20
  automate,
• 11:20
  to
• 11:21
  increase
• 11:21
  slowly
• 11:22
  and
• 11:22
  to
• 11:22
  refuse
• 11:22
  that
• 11:23
  lie,
• 11:23
  that
• 11:23
  small
• 11:24
  means
• 11:24
  pointless.
• 11:26
  Provide
• 11:26
  for
• 11:27
  them
• 11:27
  today
• 11:27
  and
• 11:27
  prepare
• 11:28
  for
• 11:28
  us
• 11:28
  all
• 11:28
  tomorrow.
• 11:30
  And
• 11:30
  let
• 11:31
  peace
• 11:31
  rise
• 11:31
  in
• 11:31
  all
• 11:32
  of
• 11:32
  our
• 11:32
  hearts
• 11:33
  as
• 11:33
  we
• 11:34
  take
• 11:34
  these
• 11:34
  steady
• 11:34
  steps
• 11:35
  towards
• 11:35
  freedom.
• 11:36
  And
• 11:37
  we
• 11:37
  ask
• 11:37
  this
• 11:37
  in
• 11:38
  Jesus
• 11:38
  name,
• 11:40
  Amen.
• 11:42
  Here's
• 11:42
  my
• 11:42
  encouragement
• 11:43
  for
• 11:43
  you
• 11:43
  today.
• 11:45
  Don't
• 11:45
  despise
• 11:46
  the
• 11:46
  small
• 11:46
  start.
• 11:48
  Because
• 11:49
  what
• 11:49
  does
• 11:49
  scripture
• 11:49
  tell
• 11:50
  us?
• 11:51
  God
• 11:51
  grows
• 11:52
  things
• 11:53
  little
• 11:53
  by
• 11:53
  little.
• 11:55
  And
• 11:55
  if
• 11:55
  you've
• 11:56
  got
• 11:56
  a
• 11:56
  question
• 11:56
  for
• 11:56
  this
• 11:56
  show,
• 11:57
  I
• 11:57
  would
• 11:57
  love
• 11:57
  to
• 11:57
  answer
• 11:58
  your
• 11:58
  question
• 11:58
  on
• 11:58
  this
• 11:58
  show.
• 11:59
  Go
• 11:59
  to
• 12:00
  financiallyconfidentchristian.com/question
• 12:04
  we'll
• 12:04
  put
• 12:04
  that
• 12:04
  in
• 12:04
  the
• 12:04
  show
• 12:05
  notes.
• 12:05
  But
• 12:05
  again,
• 12:05
  that's
• 12:06
  financiallyconfidentchristian.com/question
• 12:09
  and
• 12:10
  hey,
• 12:10
  you
• 12:10
  know
• 12:10
  what
• 12:10
  else
• 12:10
  you
• 12:10
  can
• 12:10
  do?
• 12:11
  You
• 12:11
  can
• 12:11
  actually
• 12:12
  record
• 12:12
  a
• 12:12
  voicemail
• 12:13
  message
• 12:13
  for
• 12:13
  me
• 12:14
  by
• 12:14
  going
• 12:14
  to
• 12:14
  our
• 12:15
  website.
• 12:16
  So
• 12:16
  thank
• 12:16
  you
• 12:16
  so
• 12:16
  much
• 12:16
  for
• 12:17
  joining
• 12:17
  me
• 12:17
  today.
• 12:18
  Stay
• 12:18
  financially
• 12:19
  savvy.
• 12:19
  May
• 12:19
  God
• 12:20
  bless
• 12:20
  you
• 12:21
  and
• 12:21
  you
• 12:21
  have
• 12:21
  a
• 12:21
  great
• 12:21
  day
• 12:22
  today.