Latest / Becoming Financially Confident / Why Do Predictable Expenses Feel Like Emergencies?

Transcript

Why Do Predictable Expenses Feel Like Emergencies? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  had
• 0:38
  a
• 0:38
  bill
• 0:38
  show
• 0:38
  up
• 0:39
  and
• 0:39
  felt
• 0:39
  your
• 0:39
  stomach
• 0:40
  drop
• 0:40
  even
• 0:41
  though
• 0:41
  you
• 0:41
  knew
• 0:41
  it
• 0:41
  was
• 0:41
  coming?
• 0:42
  Things
• 0:42
  like
• 0:43
  the
• 0:43
  car
• 0:43
  tags,
• 0:44
  Christmas,
• 0:45
  back
• 0:45
  to
• 0:45
  school,
• 0:46
  those
• 0:46
  insurance
• 0:47
  deductibles,
• 0:48
  and
• 0:48
  that
• 0:48
  one
• 0:48
  day
• 0:49
  vacation
• 0:49
  you
• 0:49
  keep
• 0:49
  talking
• 0:50
  about.
• 0:51
  And
• 0:51
  you're
• 0:51
  thinking
• 0:52
  to
• 0:52
  yourself,
• 0:52
  why
• 0:53
  does
• 0:53
  this
• 0:53
  still
• 0:53
  feel
• 0:54
  like
• 0:54
  an
• 0:54
  emergency
• 0:55
  if
• 0:55
  it
• 0:55
  wasn't
• 0:55
  a
• 0:56
  surprise?
• 0:57
  Friend,
• 0:57
  that's
• 0:57
  not
• 0:58
  a
• 0:58
  character
• 0:58
  fall,
• 0:59
  that's
• 0:59
  a
• 0:59
  system
• 0:59
  problem.
• 1:00
  Because
• 1:01
  when
• 1:01
  predictable
• 1:01
  expenses
• 1:02
  don't
• 1:02
  have
• 1:02
  a
• 1:03
  place
• 1:03
  to
• 1:03
  land,
• 1:03
  guess
• 1:03
  what?
• 1:04
  They
• 1:04
  crash
• 1:04
  into
• 1:04
  your
• 1:04
  budget
• 1:05
  like
• 1:05
  a
• 1:05
  wave.
• 1:06
  But
• 1:06
  today
• 1:06
  I'm
• 1:07
  going
• 1:07
  to
• 1:07
  show
• 1:07
  you
• 1:07
  one
• 1:07
  simple
• 1:08
  budgeting
• 1:08
  tool.
• 1:09
  A
• 1:09
  sinking
• 1:10
  fund
• 1:10
  that
• 1:10
  turns
• 1:11
  those
• 1:11
  oh
• 1:11
  no
• 1:11
  moments
• 1:12
  into
• 1:12
  we're
• 1:13
  ready
• 1:13
  moments.
• 1:14
  Let's
• 1:14
  lighten
• 1:14
  the
• 1:14
  weight.
• 1:37
  Hey,
• 1:37
  friend.
• 1:37
  Ralph
• 1:38
  Estep
• 1:38
  Jr.
• 1:38
  Here.
• 1:39
  Welcome
• 1:39
  to
• 1:39
  the
• 1:40
  Financially
• 1:40
  Confident
• 1:41
  Christian,
• 1:41
  where
• 1:42
  we
• 1:42
  learn
• 1:42
  how
• 1:42
  to
• 1:42
  walk
• 1:42
  with
• 1:43
  wisdom,
• 1:43
  with
• 1:44
  peace,
• 1:44
  and
• 1:44
  with
• 1:45
  a
• 1:45
  heart
• 1:45
  anchored
• 1:45
  in
• 1:45
  God's
• 1:46
  truth.
• 1:47
  My
• 1:47
  mission
• 1:47
  is
• 1:48
  simple.
• 1:48
  To
• 1:48
  help
• 1:49
  you
• 1:49
  break
• 1:49
  the
• 1:49
  cycle
• 1:50
  of
• 1:50
  financial
• 1:50
  shame,
• 1:51
  build
• 1:51
  steady
• 1:52
  habits
• 1:52
  rooted
• 1:52
  in
• 1:53
  faith,
• 1:53
  and
• 1:53
  become
• 1:54
  the
• 1:54
  kind
• 1:54
  of
• 1:54
  believer
• 1:55
  who
• 1:55
  handles
• 1:55
  money
• 1:55
  with
• 1:55
  clarity,
• 1:56
  with
• 1:57
  confidence,
• 1:57
  and
• 1:58
  with
• 1:58
  spiritual
• 1:58
  purpose.
• 1:59
  Yesterday
• 2:00
  we
• 2:00
  talked
• 2:00
  all
• 2:01
  about
• 2:01
  paying
• 2:01
  yourself
• 2:02
  first
• 2:02
  and
• 2:02
  honoring
• 2:03
  the
• 2:03
  future
• 2:03
  God
• 2:04
  is
• 2:04
  already
• 2:04
  leading
• 2:04
  you
• 2:04
  toward.
• 2:06
  Today
• 2:06
  we're
• 2:06
  going
• 2:06
  to
• 2:06
  take
• 2:06
  that
• 2:07
  same
• 2:07
  heart
• 2:07
  and
• 2:08
  we're
• 2:08
  going
• 2:08
  to
• 2:08
  give
• 2:08
  it
• 2:09
  a
• 2:09
  home
• 2:09
  inside
• 2:09
  your
• 2:09
  budget.
• 2:10
  Because
• 2:11
  some
• 2:11
  of
• 2:11
  the
• 2:11
  stress
• 2:12
  isn't
• 2:12
  coming
• 2:12
  from
• 2:12
  bad
• 2:13
  spending.
• 2:13
  It's
• 2:14
  coming
• 2:14
  from
• 2:14
  predictable
• 2:15
  expenses
• 2:15
  showing
• 2:16
  up
• 2:16
  at
• 2:16
  the
• 2:16
  worst
• 2:17
  possible
• 2:17
  time
• 2:18
  because
• 2:18
  they
• 2:18
  weren't
• 2:19
  pre
• 2:19
  planned
• 2:20
  and
• 2:20
  that
• 2:20
  sinking
• 2:21
  funds
• 2:21
  fix
• 2:22
  that.
• 2:23
  A
• 2:23
  listener
• 2:23
  asked
• 2:24
  me,
• 2:24
  ralph,
• 2:24
  why
• 2:25
  do
• 2:25
  big
• 2:25
  expenses
• 2:26
  still
• 2:26
  throw
• 2:26
  me
• 2:26
  off
• 2:26
  even
• 2:27
  when
• 2:27
  I
• 2:27
  know
• 2:27
  they're
• 2:28
  coming?
• 2:28
  And
• 2:29
  I
• 2:29
  love
• 2:29
  that
• 2:29
  question
• 2:30
  because
• 2:31
  it
• 2:31
  tells
• 2:31
  the
• 2:31
  truth.
• 2:32
  You're
• 2:32
  not
• 2:33
  confused
• 2:33
  about
• 2:33
  life.
• 2:34
  You're
• 2:34
  tired
• 2:34
  of
• 2:34
  life
• 2:35
  hitting
• 2:35
  your
• 2:35
  wallet
• 2:35
  all
• 2:36
  at
• 2:36
  once.
• 2:37
  And
• 2:37
  underneath
• 2:38
  that
• 2:38
  question
• 2:38
  is
• 2:39
  usually
• 2:39
  something
• 2:39
  like
• 2:40
  this,
• 2:41
  ralph,
• 2:41
  I'm
• 2:41
  trying,
• 2:41
  but
• 2:42
  man,
• 2:42
  I
• 2:42
  still
• 2:42
  feel
• 2:43
  fragile.
• 2:44
  I
• 2:44
  plan,
• 2:45
  but
• 2:45
  everything
• 2:45
  is
• 2:45
  already
• 2:46
  tight.
• 2:47
  I'm
• 2:47
  one
• 2:47
  expense
• 2:48
  away
• 2:48
  from
• 2:48
  losing
• 2:49
  ground.
• 2:50
  Friend,
• 2:51
  if
• 2:51
  that's
• 2:51
  you,
• 2:51
  I
• 2:51
  want
• 2:52
  you
• 2:52
  to
• 2:52
  hear
• 2:52
  this
• 2:52
  clearly.
• 2:53
  You're
• 2:53
  not
• 2:53
  failing.
• 2:54
  You're
• 2:54
  carrying
• 2:55
  too
• 2:55
  much
• 2:55
  weight
• 2:55
  in
• 2:55
  one
• 2:56
  bucket.
• 2:56
  And
• 2:57
  a
• 2:57
  sinking
• 2:57
  fund
• 2:58
  spreads
• 2:58
  the
• 2:58
  load.
• 3:00
  You're
• 3:00
  not
• 3:00
  alone
• 3:00
  in
• 3:00
  this
• 3:01
  feeling.
• 3:01
  In
• 3:01
  the
• 3:02
  Federal
• 3:02
  Reserve's
• 3:03
  household
• 3:03
  survey,
• 3:04
  a
• 3:04
  big
• 3:04
  chunk
• 3:05
  of
• 3:05
  adults
• 3:05
  say
• 3:06
  a
• 3:06
  $400
• 3:07
  surprise
• 3:07
  expense
• 3:08
  would
• 3:08
  push
• 3:08
  them
• 3:09
  into
• 3:09
  borrowing,
• 3:10
  selling
• 3:10
  something,
• 3:10
  or
• 3:11
  simply
• 3:11
  not
• 3:11
  being
• 3:12
  able
• 3:12
  to
• 3:12
  pay
• 3:12
  it
• 3:12
  right
• 3:12
  now.
• 3:13
  So
• 3:14
  if
• 3:14
  a
• 3:14
  not
• 3:14
  even
• 3:15
  that
• 3:15
  big
• 3:15
  bill
• 3:16
  makes
• 3:16
  your
• 3:16
  chest
• 3:16
  feel
• 3:17
  tight,
• 3:17
  that's
• 3:18
  not
• 3:18
  you
• 3:18
  being
• 3:18
  dramatic.
• 3:19
  That's
• 3:19
  your
• 3:19
  nervous
• 3:20
  system
• 3:20
  responding
• 3:21
  to
• 3:21
  the
• 3:21
  financial
• 3:21
  fragility
• 3:22
  that
• 3:22
  you
• 3:22
  have.
• 3:23
  And
• 3:23
  we're
• 3:24
  building
• 3:24
  stability
• 3:24
  one
• 3:25
  step
• 3:25
  at
• 3:25
  a
• 3:25
  time.
• 3:26
  I've
• 3:27
  coached
• 3:27
  a
• 3:27
  lot
• 3:27
  of
• 3:27
  people
• 3:28
  through
• 3:28
  this
• 3:28
  exact
• 3:29
  stress.
• 3:30
  I've
• 3:30
  seen
• 3:30
  this
• 3:30
  again
• 3:31
  and
• 3:31
  again.
• 3:32
  Most
• 3:32
  people
• 3:32
  don't
• 3:33
  need
• 3:33
  more
• 3:33
  willpower.
• 3:34
  They
• 3:34
  need
• 3:34
  a
• 3:35
  better
• 3:35
  container.
• 3:35
  They
• 3:36
  need
• 3:36
  a
• 3:36
  simple
• 3:36
  place
• 3:37
  for
• 3:37
  predictable
• 3:37
  expenses
• 3:38
  to
• 3:38
  live.
• 3:39
  And
• 3:39
  a
• 3:40
  sinking
• 3:40
  fund
• 3:40
  is
• 3:41
  just
• 3:41
  that,
• 3:42
  a
• 3:42
  small
• 3:42
  amount
• 3:42
  of
• 3:42
  money
• 3:43
  you
• 3:43
  set
• 3:43
  aside
• 3:43
  on
• 3:44
  purpose
• 3:44
  for
• 3:45
  a
• 3:45
  future
• 3:45
  known
• 3:46
  expense.
• 3:47
  It's
• 3:47
  not
• 3:47
  an
• 3:47
  emergency.
• 3:48
  It's
• 3:48
  a
• 3:48
  known
• 3:49
  expense.
• 3:49
  I
• 3:49
  want
• 3:49
  you
• 3:49
  to
• 3:49
  understand
• 3:50
  the
• 3:50
  difference
• 3:51
  so
• 3:51
  when
• 3:51
  it
• 3:52
  arrives,
• 3:52
  you
• 3:52
  don't
• 3:52
  panic.
• 3:53
  You.
• 3:53
  You
• 3:53
  pay
• 3:53
  it.
• 3:54
  That's
• 3:54
  it.
• 3:54
  And
• 3:55
  yes,
• 3:55
  this
• 3:55
  is
• 3:55
  budgeting,
• 3:56
  but
• 3:56
  it's
• 3:57
  also
• 3:57
  emotional
• 3:58
  peace.
• 3:59
  I
• 3:59
  remember
• 3:59
  I
• 3:59
  worked
• 3:59
  with
• 4:00
  someone
• 4:00
  who
• 4:00
  dreaded
• 4:01
  car
• 4:01
  repairs.
• 4:01
  I
• 4:01
  mean,
• 4:02
  they
• 4:02
  heard
• 4:02
  every
• 4:02
  little
• 4:03
  sound,
• 4:03
  and
• 4:03
  it
• 4:04
  felt
• 4:04
  like
• 4:04
  prophecy
• 4:05
  to
• 4:05
  them.
• 4:06
  They
• 4:06
  didn't
• 4:06
  need
• 4:06
  a
• 4:06
  perfect
• 4:07
  budget.
• 4:07
  They
• 4:07
  needed
• 4:08
  a
• 4:08
  plan
• 4:08
  for
• 4:08
  the
• 4:09
  predictable.
• 4:10
  So
• 4:10
  we
• 4:10
  started
• 4:10
  a
• 4:11
  sinking
• 4:11
  fund.
• 4:11
  We
• 4:11
  put
• 4:12
  $50
• 4:12
  a
• 4:12
  month
• 4:12
  into
• 4:13
  it.
• 4:13
  That
• 4:13
  wasn't
• 4:14
  huge.
• 4:14
  It
• 4:14
  wasn't
• 4:14
  flashy.
• 4:15
  It
• 4:15
  was
• 4:15
  just
• 4:16
  faithful.
• 4:16
  Every
• 4:17
  month
• 4:17
  and
• 4:18
  months
• 4:18
  later,
• 4:19
  the
• 4:19
  repair
• 4:19
  happened.
• 4:20
  And
• 4:20
  they
• 4:20
  paid
• 4:21
  it.
• 4:21
  They
• 4:21
  paid
• 4:21
  it
• 4:21
  without
• 4:22
  panic.
• 4:23
  Not
• 4:23
  because
• 4:23
  it
• 4:24
  was
• 4:24
  easy
• 4:24
  to
• 4:24
  pay,
• 4:25
  but
• 4:25
  because
• 4:25
  it
• 4:26
  had
• 4:26
  a
• 4:26
  place
• 4:26
  to
• 4:26
  land.
• 4:27
  See,
• 4:27
  that's
• 4:27
  what
• 4:28
  preparedness
• 4:28
  does.
• 4:29
  It
• 4:29
  turns
• 4:29
  dread
• 4:30
  into
• 4:30
  calm.
• 4:31
  So
• 4:32
  here's
• 4:32
  today's
• 4:32
  question.
• 4:33
  What
• 4:33
  expense
• 4:34
  do
• 4:34
  you
• 4:34
  already
• 4:34
  know
• 4:35
  is
• 4:35
  coming
• 4:35
  that
• 4:35
  would
• 4:35
  feel
• 4:36
  lighter
• 4:36
  if
• 4:36
  you
• 4:37
  prepared
• 4:37
  for
• 4:37
  it?
• 4:37
  Little
• 4:38
  by
• 4:38
  little,
• 4:39
  I
• 4:39
  want
• 4:39
  you
• 4:39
  to
• 4:39
  hold
• 4:39
  that
• 4:40
  in
• 4:40
  your
• 4:40
  mind.
• 4:40
  Now,
• 4:41
  let
• 4:41
  me
• 4:41
  show
• 4:41
  you
• 4:41
  how
• 4:41
  to
• 4:42
  build
• 4:42
  this
• 4:42
  in
• 4:42
  a
• 4:42
  way
• 4:42
  that
• 4:43
  actually
• 4:43
  works.
• 4:44
  Here's
• 4:45
  the
• 4:45
  thing
• 4:45
  I
• 4:45
  want
• 4:45
  you
• 4:45
  to
• 4:45
  start
• 4:46
  with.
• 4:46
  Predictable
• 4:47
  expenses
• 4:48
  become
• 4:48
  emergencies
• 4:48
  when
• 4:49
  they
• 4:49
  have
• 4:49
  no
• 4:49
  category.
• 4:50
  It's
• 4:50
  really
• 4:51
  that
• 4:51
  simple.
• 4:51
  Most
• 4:52
  people
• 4:52
  don't
• 4:52
  get
• 4:52
  wrecked
• 4:53
  by
• 4:53
  random
• 4:53
  surprises.
• 4:54
  They
• 4:54
  get
• 4:55
  wrecked
• 4:55
  by
• 4:55
  predictable
• 4:56
  things
• 4:56
  showing
• 4:56
  up
• 4:57
  uninvited.
• 4:57
  Kind
• 4:57
  of
• 4:57
  like
• 4:58
  those
• 4:58
  people
• 4:58
  that
• 4:58
  show
• 4:58
  up
• 4:58
  for
• 4:58
  dinner.
• 4:59
  But
• 4:59
  you
• 4:59
  didn't
• 4:59
  plan
• 4:59
  anything
• 5:00
  because
• 5:01
  the
• 5:01
  money
• 5:01
  wasn't
• 5:02
  assigned.
• 5:03
  So
• 5:03
  the
• 5:03
  bill
• 5:03
  arrives
• 5:04
  and
• 5:04
  it
• 5:04
  steals
• 5:05
  from
• 5:05
  something
• 5:05
  else.
• 5:06
  You
• 5:06
  take
• 5:06
  the
• 5:06
  money
• 5:06
  from
• 5:06
  the
• 5:07
  grocery
• 5:07
  budget
• 5:08
  or
• 5:08
  your
• 5:08
  gas
• 5:08
  budget
• 5:09
  or
• 5:09
  your
• 5:09
  giving
• 5:10
  budget.
• 5:10
  Maybe
• 5:11
  you
• 5:11
  take
• 5:11
  it
• 5:11
  from
• 5:11
  the
• 5:11
  emergency
• 5:12
  fund,
• 5:12
  or
• 5:13
  you
• 5:13
  put
• 5:13
  it
• 5:13
  on
• 5:13
  that
• 5:13
  dreaded
• 5:14
  credit
• 5:14
  card.
• 5:15
  And
• 5:15
  then
• 5:16
  you
• 5:16
  feel
• 5:16
  behind
• 5:16
  again.
• 5:17
  Not
• 5:18
  because
• 5:18
  you're
• 5:18
  irresponsible,
• 5:19
  because
• 5:19
  your
• 5:19
  budget
• 5:20
  wasn't
• 5:20
  built
• 5:20
  to
• 5:20
  carry
• 5:21
  the
• 5:21
  full
• 5:21
  year.
• 5:22
  And
• 5:22
  see,
• 5:23
  that's
• 5:23
  where
• 5:23
  sinking
• 5:23
  funds
• 5:24
  turn
• 5:24
  one
• 5:24
  big
• 5:24
  hit
• 5:25
  into
• 5:25
  small,
• 5:25
  repeatable
• 5:26
  steps.
• 5:27
  A
• 5:27
  big
• 5:28
  bill
• 5:28
  feels
• 5:28
  heavy
• 5:29
  because
• 5:29
  it
• 5:29
  arrives
• 5:30
  all
• 5:30
  at
• 5:30
  once.
• 5:31
  But
• 5:31
  sinking
• 5:32
  funds
• 5:32
  do
• 5:32
  the
• 5:32
  opposite.
• 5:33
  They
• 5:33
  say
• 5:33
  this.
• 5:33
  I'm
• 5:34
  going
• 5:34
  to
• 5:34
  pay
• 5:34
  for
• 5:34
  this
• 5:34
  in
• 5:35
  small
• 5:35
  pieces.
• 5:36
  Here's
• 5:36
  the
• 5:36
  simple.
• 5:37
  Take
• 5:37
  the
• 5:38
  yearly
• 5:38
  cost
• 5:38
  of
• 5:38
  that
• 5:39
  big
• 5:39
  bill
• 5:39
  and
• 5:39
  divide
• 5:40
  it
• 5:40
  by
• 5:40
  12.
• 5:41
  That's
• 5:41
  your
• 5:41
  monthly
• 5:42
  target.
• 5:42
  Let
• 5:42
  me
• 5:42
  give
• 5:42
  an
• 5:43
  example.
• 5:43
  Let's
• 5:43
  say
• 5:44
  at
• 5:44
  Christmas
• 5:44
  you
• 5:45
  want
• 5:45
  to
• 5:45
  spend
• 5:45
  $600.
• 5:47
  So
• 5:47
  take
• 5:47
  that
• 5:47
  $600,
• 5:48
  divide
• 5:48
  by
• 5:48
  12
• 5:49
  and
• 5:49
  put
• 5:49
  $50
• 5:50
  a
• 5:50
  month
• 5:50
  aside.
• 5:51
  Maybe
• 5:52
  for
• 5:52
  you
• 5:52
  it's
• 5:52
  car
• 5:52
  maintenance.
• 5:53
  You
• 5:53
  want
• 5:53
  to
• 5:53
  put
• 5:53
  $900
• 5:54
  away
• 5:54
  because
• 5:55
  you
• 5:55
  know
• 5:55
  that
• 5:55
  bill's
• 5:56
  coming
• 5:56
  before
• 5:56
  long.
• 5:57
  Take
• 5:57
  that
• 5:57
  $900,
• 5:58
  divide
• 5:59
  by
• 5:59
  12.
• 5:59
  That
• 6:00
  gives
• 6:00
  you
• 6:00
  $75
• 6:01
  a
• 6:01
  month.
• 6:02
  And
• 6:02
  if
• 6:02
  you
• 6:03
  can't
• 6:03
  do
• 6:03
  the
• 6:03
  full
• 6:03
  amount
• 6:03
  yet,
• 6:04
  do
• 6:04
  the
• 6:04
  starter
• 6:05
  version.
• 6:05
  Put
• 6:06
  $10
• 6:06
  in
• 6:06
  that
• 6:07
  account.
• 6:07
  $25,
• 6:08
  $40.
• 6:10
  Because
• 6:10
  that
• 6:10
  direction
• 6:11
  will
• 6:11
  be
• 6:11
  perfection.
• 6:12
  See,
• 6:13
  this
• 6:13
  is
• 6:13
  wisdom,
• 6:13
  not
• 6:14
  worry.
• 6:14
  That's
• 6:14
  what
• 6:14
  we're
• 6:14
  really
• 6:15
  talking
• 6:15
  about
• 6:15
  today.
• 6:16
  Some
• 6:16
  people
• 6:16
  here
• 6:16
  plan
• 6:17
  ahead
• 6:17
  and
• 6:17
  think,
• 6:17
  oh,
• 6:17
  Ralph,
• 6:18
  you're
• 6:18
  talking
• 6:18
  about
• 6:18
  fear.
• 6:18
  You're
• 6:19
  peddling
• 6:19
  in
• 6:19
  fear.
• 6:20
  No,
• 6:21
  friend,
• 6:21
  planning
• 6:22
  is
• 6:22
  not
• 6:22
  panic.
• 6:23
  Planning
• 6:23
  is
• 6:24
  stewardship.
• 6:25
  Planning
• 6:25
  is
• 6:25
  you
• 6:26
  saying,
• 6:26
  God
• 6:26
  has
• 6:27
  given
• 6:27
  me
• 6:27
  responsibility
• 6:28
  and
• 6:28
  I'm
• 6:28
  going
• 6:29
  to
• 6:29
  handle
• 6:29
  with
• 6:29
  peace
• 6:30
  in
• 6:30
  the
• 6:30
  future.
• 6:31
  You're
• 6:31
  not
• 6:31
  trying
• 6:31
  to
• 6:31
  control
• 6:32
  the
• 6:32
  future.
• 6:32
  You're
• 6:33
  simply
• 6:33
  refusing
• 6:34
  to
• 6:34
  not
• 6:34
  be
• 6:34
  surprised
• 6:35
  by
• 6:35
  what
• 6:36
  you
• 6:36
  already
• 6:36
  know.
• 6:37
  And
• 6:37
  no.
• 6:38
  Sinking
• 6:38
  funds
• 6:38
  protect
• 6:39
  your
• 6:39
  emergency
• 6:39
  fund
• 6:40
  and
• 6:40
  your
• 6:40
  progress.
• 6:41
  And
• 6:41
  this
• 6:41
  is
• 6:41
  why
• 6:41
  it
• 6:42
  matters
• 6:42
  so
• 6:42
  much.
• 6:43
  Because
• 6:43
  a
• 6:44
  lot
• 6:44
  of
• 6:44
  people
• 6:44
  keep
• 6:44
  draining
• 6:45
  their
• 6:45
  emergency
• 6:45
  fund
• 6:46
  for
• 6:46
  things
• 6:46
  that
• 6:46
  aren't
• 6:47
  emergencies.
• 6:48
  Let
• 6:48
  me
• 6:48
  let
• 6:48
  you
• 6:49
  know
• 6:49
  a
• 6:49
  secret.
• 6:49
  Car
• 6:49
  tires?
• 6:50
  Not
• 6:50
  an
• 6:50
  emergency.
• 6:51
  School
• 6:51
  clothes?
• 6:52
  Not
• 6:52
  an
• 6:53
  emergency.
• 6:54
  Annual
• 6:54
  fees.
• 6:54
  They're
• 6:55
  annual.
• 6:55
  Guess
• 6:56
  what?
• 6:56
  They
• 6:56
  happen
• 6:56
  every
• 6:56
  year.
• 6:57
  Birthdays.
• 6:58
  If
• 6:58
  we're
• 6:58
  lucky,
• 6:58
  we
• 6:59
  get
• 6:59
  one
• 6:59
  a
• 6:59
  year.
• 7:00
  And
• 7:00
  if
• 7:00
  you
• 7:00
  travel
• 7:01
  during
• 7:01
  the
• 7:01
  holidays,
• 7:01
  that's
• 7:02
  not
• 7:02
  a
• 7:02
  big
• 7:02
  surprise,
• 7:02
  surprise
• 7:03
  moment.
• 7:03
  These
• 7:04
  are
• 7:04
  not
• 7:04
  emergencies.
• 7:05
  These
• 7:06
  are
• 7:06
  calendar
• 7:07
  events.
• 7:07
  And
• 7:08
  sinking
• 7:08
  funds
• 7:08
  keep
• 7:08
  your
• 7:09
  emergency
• 7:09
  fund
• 7:09
  for
• 7:10
  true
• 7:10
  emergencies
• 7:10
  because
• 7:11
  we
• 7:11
  all
• 7:11
  have
• 7:11
  those
• 7:12
  oh,
• 7:12
  no
• 7:12
  moments.
• 7:13
  But
• 7:13
  that
• 7:14
  one
• 7:14
  change
• 7:14
  keeps
• 7:15
  you
• 7:15
  from
• 7:15
  going
• 7:15
  back
• 7:16
  into
• 7:16
  debt
• 7:16
  because
• 7:16
  it
• 7:17
  creates
• 7:17
  breeding
• 7:17
  room.
• 7:19
  And
• 7:19
  the
• 7:19
  peace
• 7:19
  isn't
• 7:20
  just
• 7:20
  financial.
• 7:20
  I
• 7:21
  would
• 7:21
  love
• 7:21
  to
• 7:21
  say,
• 7:21
  hey,
• 7:21
  this
• 7:21
  is
• 7:22
  so
• 7:22
  much
• 7:22
  peace.
• 7:22
  It's
• 7:22
  also
• 7:23
  spiritual.
• 7:24
  Because
• 7:24
  if
• 7:25
  you're
• 7:25
  like
• 7:25
  me,
• 7:25
  you
• 7:25
  realize
• 7:26
  this
• 7:26
  money
• 7:27
  stress
• 7:27
  doesn't
• 7:27
  stay
• 7:28
  in
• 7:28
  your
• 7:28
  wallet.
• 7:29
  It
• 7:29
  follows
• 7:30
  you
• 7:30
  everywhere.
• 7:30
  It
• 7:31
  follows
• 7:31
  you
• 7:31
  into
• 7:31
  your
• 7:31
  mood
• 7:32
  for
• 7:32
  the
• 7:32
  day.
• 7:33
  For
• 7:33
  so
• 7:33
  many
• 7:33
  of
• 7:34
  us,
• 7:34
  it
• 7:34
  follows
• 7:34
  us
• 7:34
  into
• 7:35
  our
• 7:35
  marriage.
• 7:35
  I've
• 7:36
  seen
• 7:36
  more
• 7:36
  marriages
• 7:37
  have
• 7:37
  problems
• 7:37
  because
• 7:37
  of
• 7:38
  money
• 7:38
  issues.
• 7:39
  It
• 7:39
  follows
• 7:40
  you
• 7:40
  into
• 7:40
  your
• 7:40
  patience.
• 7:41
  It
• 7:42
  follows
• 7:42
  you
• 7:42
  into
• 7:42
  your
• 7:43
  sleep.
• 7:44
  And
• 7:44
  unfortunately,
• 7:45
  it
• 7:45
  follows
• 7:45
  so
• 7:45
  many
• 7:46
  of
• 7:46
  us
• 7:46
  into
• 7:46
  our
• 7:46
  prayers.
• 7:48
  And
• 7:48
  sinking
• 7:49
  funds
• 7:49
  are
• 7:49
  one
• 7:49
  of
• 7:49
  those
• 7:49
  tools
• 7:50
  that
• 7:50
  helps
• 7:50
  you,
• 7:50
  your
• 7:51
  soul
• 7:51
  exhale.
• 7:52
  Because
• 7:52
  when
• 7:53
  you're
• 7:53
  prepared,
• 7:54
  you
• 7:54
  stop
• 7:54
  feeling
• 7:55
  like
• 7:55
  you're
• 7:55
  constantly
• 7:55
  behind.
• 7:56
  And
• 7:57
  you
• 7:57
  start
• 7:57
  feeling
• 7:57
  like
• 7:57
  you're
• 7:58
  walking
• 7:58
  in
• 7:58
  wisdom.
• 7:59
  Now,
• 7:59
  I
• 7:59
  know
• 7:59
  it's
• 8:00
  quiet,
• 8:00
  it's
• 8:01
  steady,
• 8:02
  but
• 8:02
  it's
• 8:02
  faithful.
• 8:04
  Let's
• 8:04
  look
• 8:04
  at
• 8:04
  Luke,
• 8:04
  chapter
• 8:05
  14,
• 8:05
  verse
• 8:06
  28.
• 8:07
  Suppose
• 8:07
  one
• 8:07
  of
• 8:07
  you
• 8:08
  wants
• 8:08
  to
• 8:08
  build
• 8:08
  a
• 8:08
  tower.
• 8:09
  Won't
• 8:10
  you
• 8:10
  first
• 8:10
  sit
• 8:10
  down
• 8:10
  and
• 8:11
  estimate
• 8:11
  the
• 8:11
  cost
• 8:12
  to
• 8:12
  see
• 8:12
  if
• 8:12
  you
• 8:12
  have
• 8:13
  enough
• 8:13
  money?
• 8:13
  To
• 8:13
  complete
• 8:13
  it.
• 8:14
  See,
• 8:15
  God
• 8:15
  isn't
• 8:15
  promoting
• 8:16
  anxiety
• 8:16
  here.
• 8:17
  He's
• 8:17
  affirming
• 8:18
  something
• 8:18
  holy,
• 8:20
  thoughtful
• 8:20
  preparation.
• 8:22
  Because
• 8:22
  preparation
• 8:22
  creates
• 8:23
  stability
• 8:24
  and
• 8:24
  stability
• 8:25
  creates
• 8:25
  peace.
• 8:25
  And
• 8:25
  that's
• 8:26
  what
• 8:26
  we're
• 8:26
  trying
• 8:26
  to
• 8:26
  get
• 8:26
  to.
• 8:27
  How
• 8:27
  about
• 8:27
  we
• 8:27
  pray
• 8:28
  together?
• 8:29
  Lord,
• 8:29
  thank
• 8:29
  you
• 8:29
  for
• 8:30
  wisdom
• 8:30
  that
• 8:30
  brings
• 8:31
  peace
• 8:31
  in
• 8:31
  our
• 8:31
  lives.
• 8:32
  Help
• 8:32
  us
• 8:33
  plan
• 8:33
  for
• 8:33
  tomorrow.
• 8:33
  While
• 8:34
  trusting
• 8:34
  you
• 8:34
  today,
• 8:35
  show
• 8:36
  us
• 8:36
  the
• 8:36
  next
• 8:36
  right
• 8:37
  step,
• 8:37
  not
• 8:37
  the
• 8:37
  perfect
• 8:38
  plan.
• 8:39
  Give
• 8:39
  us
• 8:39
  patience,
• 8:40
  give
• 8:40
  us
• 8:41
  clarity,
• 8:41
  and
• 8:42
  give
• 8:42
  us
• 8:42
  steadiness.
• 8:44
  And
• 8:44
  when
• 8:44
  money
• 8:44
  feels
• 8:45
  tight,
• 8:45
  Lord,
• 8:46
  remind
• 8:46
  us
• 8:46
  that
• 8:46
  small
• 8:47
  steps
• 8:47
  still
• 8:48
  honor
• 8:48
  you.
• 8:49
  And
• 8:49
  we
• 8:49
  ask
• 8:49
  this
• 8:50
  in
• 8:50
  Jesus
• 8:50
  name,
• 8:51
  Amen.
• 8:52
  Here's
• 8:53
  today's
• 8:53
  step.
• 8:54
  I
• 8:54
  want
• 8:54
  you
• 8:54
  to
• 8:55
  pick
• 8:55
  one
• 8:55
  sinking
• 8:56
  fund.
• 8:56
  Just
• 8:56
  one
• 8:57
  you
• 8:57
  don't
• 8:57
  have
• 8:57
  to
• 8:57
  do
• 8:57
  all
• 8:58
  at
• 8:58
  once.
• 8:59
  Maybe
• 8:59
  do
• 8:59
  a
• 8:59
  car
• 8:59
  repair
• 9:00
  one.
• 9:00
  Maybe
• 9:01
  do
• 9:01
  a
• 9:01
  Christmas
• 9:02
  one.
• 9:02
  How
• 9:02
  about
• 9:03
  a
• 9:03
  back
• 9:03
  to
• 9:03
  school
• 9:03
  one?
• 9:04
  Maybe
• 9:04
  an
• 9:04
  annual
• 9:05
  insurance
• 9:05
  one.
• 9:05
  Or
• 9:06
  maybe
• 9:06
  that
• 9:06
  future
• 9:06
  trip
• 9:07
  you've
• 9:07
  been
• 9:07
  putting
• 9:07
  off.
• 9:07
  Just
• 9:08
  name
• 9:08
  it
• 9:09
  and
• 9:09
  then
• 9:09
  start
• 9:09
  with
• 9:09
  just
• 9:10
  25
• 9:10
  bucks.
• 9:11
  If
• 9:11
  25
• 9:11
  bucks
• 9:12
  is
• 9:12
  too
• 9:12
  much,
• 9:12
  start
• 9:13
  with
• 9:13
  10
• 9:13
  bucks.
• 9:13
  Do.
• 9:14
  The
• 9:14
  amount's
• 9:14
  not
• 9:14
  the
• 9:14
  point.
• 9:15
  The
• 9:15
  habit
• 9:15
  is.
• 9:16
  And
• 9:16
  if
• 9:16
  you
• 9:17
  want
• 9:17
  to
• 9:17
  make
• 9:17
  it
• 9:17
  even
• 9:17
  easier,
• 9:18
  automate
• 9:18
  it.
• 9:18
  So
• 9:19
  that's
• 9:19
  a
• 9:19
  two
• 9:19
  step.
• 9:19
  Peace.
• 9:20
  Because
• 9:20
  peace
• 9:21
  loves
• 9:21
  autopilot,
• 9:23
  friend.
• 9:24
  Many
• 9:24
  listeners
• 9:24
  tell
• 9:24
  me
• 9:24
  this
• 9:25
  show
• 9:25
  feels
• 9:25
  safe.
• 9:25
  For
• 9:26
  them,
• 9:26
  it
• 9:26
  feels
• 9:27
  like
• 9:27
  a
• 9:27
  place
• 9:27
  where
• 9:27
  money
• 9:28
  struggles
• 9:28
  don't
• 9:28
  define
• 9:29
  their
• 9:29
  faith,
• 9:30
  where
• 9:30
  progress
• 9:30
  matters
• 9:31
  more
• 9:31
  than
• 9:31
  perfection,
• 9:32
  and
• 9:32
  where
• 9:32
  they
• 9:33
  can
• 9:33
  finally
• 9:33
  breathe
• 9:33
  and
• 9:34
  take
• 9:34
  the
• 9:34
  next
• 9:34
  step
• 9:35
  without
• 9:35
  shame
• 9:35
  riding
• 9:36
  shotgun
• 9:36
  alongside
• 9:37
  of
• 9:37
  them.
• 9:38
  And
• 9:39
  if
• 9:39
  that's
• 9:39
  what
• 9:39
  you
• 9:39
  need
• 9:39
  right
• 9:40
  now,
• 9:41
  you're
• 9:41
  not
• 9:41
  alone
• 9:41
  in
• 9:41
  that.
• 9:42
  And
• 9:42
  if
• 9:42
  you
• 9:42
  want
• 9:42
  to
• 9:42
  stay
• 9:42
  close,
• 9:43
  even
• 9:43
  you
• 9:43
  want
• 9:44
  a
• 9:44
  little
• 9:44
  extra
• 9:44
  support
• 9:45
  between
• 9:45
  episodes,
• 9:46
  if
• 9:46
  you
• 9:46
  want
• 9:46
  some
• 9:46
  more
• 9:47
  encouragement,
• 9:47
  some
• 9:48
  more
• 9:48
  practical
• 9:48
  next
• 9:49
  steps,
• 9:49
  and
• 9:49
  a
• 9:50
  community
• 9:50
  that
• 9:50
  won't
• 9:50
  shame
• 9:50
  you
• 9:51
  for
• 9:51
  being
• 9:51
  human,
• 9:51
  come
• 9:52
  join
• 9:52
  us.
• 9:52
  Go
• 9:53
  to
• 9:53
  financiallyconfidentchristian.com/join
• 9:56
  again.
• 9:57
  That's
• 9:57
  financiallyconfidentchristian.com/Join.
• 10:00
  That's
• 10:00
  where
• 10:01
  we
• 10:01
  walk
• 10:01
  this
• 10:01
  out
• 10:01
  together,
• 10:02
  one
• 10:02
  steady
• 10:02
  step
• 10:03
  at
• 10:03
  a
• 10:03
  time.
• 10:04
  Let
• 10:04
  me
• 10:04
  leave
• 10:05
  you
• 10:05
  with
• 10:05
  this.
• 10:05
  Today,
• 10:07
  future
• 10:07
  peace
• 10:07
  is
• 10:08
  built
• 10:08
  quietly.
• 10:09
  That
• 10:10
  small
• 10:10
  preparation
• 10:11
  still
• 10:11
  counts.
• 10:11
  And
• 10:12
  today
• 10:12
  matters.
• 10:12
  You
• 10:12
  can
• 10:13
  start
• 10:13
  this
• 10:13
  today.
• 10:14
  So
• 10:15
  today,
• 10:15
  go
• 10:15
  be
• 10:15
  a
• 10:15
  financially
• 10:16
  confident
• 10:16
  Christian.
• 10:17
  You
• 10:17
  can
• 10:17
  do
• 10:17
  this.
• 10:18
  Stay
• 10:18
  financially
• 10:19
  savvy,
• 10:19
  God
• 10:20
  bless
• 10:20
  you,
• 10:20
  and
• 10:21
  you
• 10:21
  have
• 10:21
  a
• 10:21
  great
• 10:21
  day
• 10:21
  today.