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Feeling Overwhelmed? Your 5-Step December Checklist for Financial Peace · Becoming Financially Confident

• 0:37
  Listen
• 0:37
  to
• 0:38
  this.
• 0:38
  Only
• 0:38
  one
• 0:38
  in
• 0:39
  three
• 0:39
  people
• 0:39
  create
• 0:40
  a
• 0:40
  year
• 0:40
  end
• 0:40
  financial
• 0:41
  checklist.
• 0:42
  But
• 0:42
  think
• 0:42
  about
• 0:43
  this
• 0:43
  one
• 0:43
  though.
• 0:44
  But
• 0:44
  those
• 0:44
  who
• 0:44
  do
• 0:45
  report
• 0:46
  50%
• 0:46
  less
• 0:47
  stress.
• 0:47
  Do
• 0:47
  you
• 0:47
  want
• 0:47
  more
• 0:48
  stress
• 0:48
  in
• 0:48
  your
• 0:48
  life?
• 0:49
  I
• 0:49
  got
• 0:49
  the
• 0:49
  answer
• 0:50
  today
• 0:50
  because
• 0:50
  peace
• 0:51
  doesn't
• 0:51
  come
• 0:51
  from
• 0:51
  luck,
• 0:52
  it
• 0:52
  comes
• 0:52
  from
• 0:53
  order.
• 0:53
  Which
• 0:53
  leads
• 0:53
  me
• 0:53
  to
• 0:54
  today's
• 0:54
  listener
• 0:54
  question.
• 0:55
  Ralph,
• 0:55
  I
• 0:55
  feel
• 0:56
  pulled
• 0:56
  in
• 0:56
  a
• 0:56
  hundred
• 0:56
  directions
• 0:57
  this
• 0:57
  December.
• 0:58
  Money,
• 0:58
  family,
• 0:59
  deadlines,
• 1:00
  how
• 1:00
  do
• 1:00
  I
• 1:00
  keep
• 1:01
  peace
• 1:01
  in
• 1:01
  the
• 1:01
  middle
• 1:01
  of
• 1:02
  all
• 1:02
  this
• 1:02
  chaos?
• 1:02
  And
• 1:03
  I
• 1:03
  got
• 1:03
  this
• 1:03
  measure.
• 1:04
  I
• 1:04
  thought,
• 1:04
  wow,
• 1:05
  I
• 1:05
  feel
• 1:05
  that
• 1:05
  chaos
• 1:06
  too.
• 1:06
  Listen,
• 1:06
  it's
• 1:07
  only
• 1:07
  the
• 1:07
  2nd
• 1:07
  of
• 1:07
  December
• 1:08
  and
• 1:08
  I'm
• 1:08
  already
• 1:09
  starting
• 1:09
  to
• 1:09
  feel
• 1:09
  it
• 1:09
  as
• 1:09
  well.
• 1:10
  And
• 1:10
  the
• 1:10
  end
• 1:11
  of
• 1:11
  the
• 1:11
  year
• 1:11
  can
• 1:11
  feel
• 1:11
  like
• 1:12
  a
• 1:12
  financial
• 1:12
  whirlwind.
• 1:13
  Talk
• 1:13
  about
• 1:13
  overwhelm.
• 1:14
  But
• 1:15
  there
• 1:15
  is
• 1:15
  a
• 1:15
  way
• 1:15
  to
• 1:15
  keep
• 1:16
  order
• 1:17
  and
• 1:17
  keep
• 1:17
  peace
• 1:18
  because
• 1:19
  a
• 1:19
  few
• 1:19
  small
• 1:19
  steps
• 1:20
  today
• 1:20
  can
• 1:20
  prevent
• 1:20
  big
• 1:21
  stress
• 1:21
  tomorrow.
• 1:21
  So
• 1:22
  let's
• 1:22
  talk
• 1:22
  about
• 1:22
  living
• 1:22
  in
• 1:23
  peace
• 1:23
  during
• 1:24
  the
• 1:24
  chaos.
• 1:24
  That's
• 1:24
  what
• 1:24
  I'm
• 1:25
  going
• 1:25
  to
• 1:25
  cover
• 1:25
  on
• 1:25
  today's
• 1:25
  show.
• 1:27
  This
• 1:28
  is
• 1:28
  Financially
• 1:28
  Confident
• 1:29
  Christian,
• 1:30
  your
• 1:30
  daily
• 1:30
  dose
• 1:30
  of
• 1:31
  gospel,
• 1:31
  grounded
• 1:32
  insight
• 1:32
  and
• 1:32
  faith
• 1:33
  driven
• 1:33
  tips
• 1:34
  to
• 1:34
  help
• 1:34
  you
• 1:34
  break
• 1:34
  the
• 1:34
  cycle
• 1:35
  of
• 1:35
  financial
• 1:35
  shame
• 1:36
  with
• 1:36
  confidence.
• 1:39
  Hello
• 1:39
  there
• 1:39
  and
• 1:39
  welcome.
• 1:40
  I'm
• 1:40
  Ralph
• 1:41
  and
• 1:41
  thank
• 1:41
  you
• 1:41
  so
• 1:41
  much
• 1:41
  for
• 1:42
  joining
• 1:42
  me
• 1:42
  today.
• 1:43
  My
• 1:43
  goal
• 1:43
  every
• 1:43
  day
• 1:43
  is
• 1:44
  to
• 1:44
  help
• 1:44
  you
• 1:44
  break
• 1:44
  that
• 1:44
  cycle
• 1:45
  of
• 1:45
  financial
• 1:45
  shame
• 1:46
  and
• 1:46
  do
• 1:46
  it
• 1:47
  with
• 1:47
  confidence.
• 1:47
  Right
• 1:47
  now,
• 1:48
  my
• 1:48
  goal
• 1:48
  is
• 1:48
  to
• 1:48
  help
• 1:48
  you
• 1:49
  break
• 1:49
  that
• 1:49
  cycle
• 1:49
  of
• 1:49
  chaos
• 1:50
  and
• 1:51
  have
• 1:51
  a
• 1:51
  plan.
• 1:52
  And
• 1:52
  I'm
• 1:52
  so
• 1:52
  happy
• 1:53
  you're
• 1:53
  joining
• 1:53
  us.
• 1:53
  We're
• 1:53
  in
• 1:53
  our
• 1:54
  second
• 1:54
  day
• 1:54
  of
• 1:55
  our
• 1:55
  December
• 1:55
  series,
• 1:55
  what
• 1:56
  I'm
• 1:56
  calling
• 1:56
  the
• 1:56
  December
• 1:57
  Reset.
• 1:57
  That
• 1:57
  is
• 1:57
  reflect,
• 1:58
  refocus
• 1:59
  and
• 1:59
  prepare
• 1:59
  for
• 1:59
  the
• 1:59
  new
• 2:00
  year.
• 2:00
  So
• 2:00
  I'm
• 2:00
  so
• 2:00
  happy
• 2:01
  that
• 2:01
  you
• 2:01
  joined
• 2:01
  me
• 2:01
  today
• 2:02
  and
• 2:02
  I've
• 2:02
  helped
• 2:03
  many
• 2:03
  families
• 2:03
  and
• 2:03
  business
• 2:04
  owners
• 2:04
  finish
• 2:05
  the
• 2:05
  year
• 2:05
  strong.
• 2:05
  And
• 2:05
  that's
• 2:06
  exactly
• 2:06
  what
• 2:06
  we're
• 2:06
  building
• 2:06
  up
• 2:07
  to.
• 2:07
  All
• 2:07
  of
• 2:07
  December.
• 2:08
  We're
• 2:08
  going
• 2:08
  to
• 2:08
  talk
• 2:08
  about
• 2:09
  how
• 2:09
  to
• 2:09
  build
• 2:09
  up
• 2:10
  to
• 2:10
  a
• 2:10
  strong
• 2:11
  2026.
• 2:12
  Listen,
• 2:13
  like
• 2:13
  you,
• 2:13
  I've
• 2:14
  lived
• 2:14
  through
• 2:14
  plenty
• 2:14
  of
• 2:14
  Decembers
• 2:15
  and
• 2:16
  here's
• 2:16
  the
• 2:16
  thing.
• 2:16
  I
• 2:16
  know
• 2:17
  peace
• 2:17
  doesn't
• 2:18
  happen
• 2:18
  by
• 2:18
  accident.
• 2:19
  If
• 2:19
  you
• 2:19
  think
• 2:20
  it's
• 2:20
  going
• 2:20
  to,
• 2:20
  all
• 2:20
  of
• 2:20
  a
• 2:20
  sudden,
• 2:20
  bam,
• 2:21
  it's
• 2:21
  going
• 2:21
  to
• 2:21
  happen.
• 2:21
  It
• 2:22
  doesn't
• 2:22
  work
• 2:22
  that
• 2:22
  way.
• 2:23
  Peace
• 2:23
  comes
• 2:24
  through
• 2:24
  preparation.
• 2:25
  And
• 2:25
  I
• 2:25
  love
• 2:25
  what
• 2:25
  a
• 2:26
  client
• 2:26
  once
• 2:26
  told
• 2:26
  me.
• 2:27
  She
• 2:27
  said,
• 2:27
  ralph,
• 2:28
  she
• 2:28
  said,
• 2:28
  December
• 2:28
  used
• 2:28
  to
• 2:29
  be
• 2:29
  pure
• 2:29
  panic
• 2:30
  until
• 2:30
  my
• 2:30
  husband
• 2:31
  and
• 2:31
  I
• 2:31
  finally
• 2:31
  made
• 2:32
  a
• 2:32
  checklist.
• 2:32
  And
• 2:33
  I
• 2:33
  said,
• 2:33
  checklists
• 2:34
  are
• 2:34
  great.
• 2:34
  Just
• 2:34
  got
• 2:34
  to
• 2:34
  make
• 2:34
  sure
• 2:35
  you
• 2:35
  get
• 2:35
  the
• 2:35
  stuff
• 2:35
  done.
• 2:36
  But
• 2:36
  one
• 2:37
  change,
• 2:37
  just
• 2:38
  one
• 2:38
  single
• 2:38
  change
• 2:39
  can
• 2:39
  turn
• 2:40
  that
• 2:40
  holiday
• 2:40
  stress
• 2:41
  into
• 2:41
  calm
• 2:41
  confidence.
• 2:42
  And
• 2:43
  each
• 2:43
  year
• 2:43
  since,
• 2:43
  she
• 2:44
  said,
• 2:44
  it's
• 2:44
  not
• 2:44
  perfect,
• 2:44
  Ralph,
• 2:45
  but
• 2:45
  it's
• 2:46
  peaceful
• 2:46
  and
• 2:47
  it's
• 2:47
  amazing
• 2:47
  what
• 2:47
  a
• 2:47
  little
• 2:48
  order
• 2:48
  can
• 2:48
  do
• 2:48
  to
• 2:49
  transform
• 2:49
  that
• 2:49
  chaos
• 2:50
  into
• 2:50
  calm.
• 2:51
  So
• 2:51
  let's
• 2:51
  get
• 2:51
  to
• 2:51
  our
• 2:51
  question
• 2:52
  today
• 2:52
  again,
• 2:52
  that's
• 2:53
  how
• 2:53
  do
• 2:53
  I
• 2:53
  keep
• 2:53
  peace
• 2:54
  in
• 2:54
  the
• 2:54
  middle
• 2:55
  of
• 2:55
  all
• 2:55
  this
• 2:55
  chaos?
• 2:56
  And
• 2:56
  I'm
• 2:56
  going
• 2:57
  to
• 2:57
  give
• 2:57
  you
• 2:57
  what
• 2:57
  I
• 2:57
  say
• 2:57
  some
• 2:58
  items
• 2:58
  to
• 2:58
  add
• 2:59
  to
• 2:59
  your
• 2:59
  checklist.
• 2:59
  This
• 3:00
  is
• 3:00
  kind
• 3:00
  of
• 3:00
  some
• 3:00
  things
• 3:00
  that
• 3:01
  as
• 3:01
  I
• 3:01
  work
• 3:01
  with
• 3:01
  individuals
• 3:02
  and
• 3:02
  I
• 3:02
  work
• 3:03
  with
• 3:03
  small
• 3:03
  business
• 3:03
  clients,
• 3:04
  these
• 3:04
  are
• 3:04
  the
• 3:04
  things
• 3:04
  to
• 3:05
  really
• 3:05
  put
• 3:05
  on
• 3:05
  that
• 3:05
  checklist.
• 3:06
  I'm
• 3:06
  going
• 3:06
  to
• 3:06
  encourage
• 3:06
  you
• 3:06
  later.
• 3:07
  I'll
• 3:07
  give
• 3:07
  you
• 3:07
  your
• 3:07
  action
• 3:07
  item
• 3:08
  for
• 3:08
  today.
• 3:08
  But
• 3:09
  these
• 3:09
  are
• 3:09
  some
• 3:09
  things
• 3:09
  that
• 3:09
  you
• 3:09
  can
• 3:10
  add
• 3:10
  to
• 3:10
  it.
• 3:10
  First
• 3:10
  thing,
• 3:11
  charitable
• 3:11
  giving.
• 3:12
  A
• 3:12
  lot
• 3:12
  of
• 3:12
  people
• 3:12
  don't
• 3:13
  think
• 3:13
  about
• 3:13
  this
• 3:13
  one
• 3:13
  till
• 3:13
  it's
• 3:14
  too
• 3:14
  late.
• 3:14
  But
• 3:15
  give
• 3:15
  before
• 3:15
  you're
• 3:15
  in
• 3:16
  because,
• 3:16
  listen,
• 3:16
  you're
• 3:16
  on
• 3:16
  the
• 3:16
  cash
• 3:17
  basis
• 3:17
  in
• 3:17
  the
• 3:17
  United
• 3:17
  States
• 3:18
  especially,
• 3:19
  you
• 3:19
  want
• 3:19
  to
• 3:19
  make
• 3:19
  sure
• 3:19
  you
• 3:20
  make
• 3:20
  those
• 3:20
  contributions
• 3:22
  before
• 3:22
  the
• 3:22
  end
• 3:22
  of
• 3:22
  the
• 3:22
  year.
• 3:23
  It's
• 3:23
  a
• 3:23
  great
• 3:23
  way
• 3:23
  to
• 3:23
  bless
• 3:24
  others
• 3:24
  and
• 3:25
  it
• 3:25
  can
• 3:25
  reduce
• 3:25
  your
• 3:25
  taxes
• 3:26
  at
• 3:26
  the
• 3:26
  same
• 3:26
  time.
• 3:27
  And
• 3:27
  what
• 3:27
  does
• 3:27
  it
• 3:28
  point
• 3:28
  to?
• 3:28
  It
• 3:28
  points
• 3:29
  to
• 3:29
  generosity
• 3:30
  and
• 3:30
  stewardship.
• 3:31
  That's
• 3:31
  one
• 3:31
  of
• 3:31
  the
• 3:31
  big
• 3:31
  things
• 3:32
  we
• 3:32
  talk
• 3:32
  about
• 3:32
  on
• 3:32
  this
• 3:33
  show
• 3:33
  just
• 3:33
  about
• 3:33
  every
• 3:34
  single
• 3:34
  day.
• 3:34
  We
• 3:35
  want
• 3:35
  to
• 3:35
  live
• 3:35
  in
• 3:36
  that
• 3:36
  financial
• 3:36
  confidence.
• 3:37
  Well,
• 3:37
  no
• 3:38
  greater
• 3:38
  way
• 3:38
  to
• 3:38
  do
• 3:39
  that
• 3:39
  than
• 3:39
  to
• 3:39
  be
• 3:39
  generous
• 3:40
  and
• 3:40
  steward.
• 3:41
  Those
• 3:41
  two
• 3:41
  things
• 3:41
  go
• 3:42
  hand
• 3:42
  in
• 3:42
  hand.
• 3:42
  So
• 3:42
  start
• 3:43
  with
• 3:43
  charitable
• 3:43
  giving.
• 3:44
  Here's
• 3:44
  another
• 3:44
  great
• 3:45
  idea.
• 3:45
  Check
• 3:45
  on
• 3:46
  those
• 3:46
  retirement
• 3:46
  contributions.
• 3:47
  A
• 3:47
  lot
• 3:47
  of
• 3:47
  people
• 3:48
  don't
• 3:48
  think
• 3:48
  about
• 3:48
  this
• 3:49
  until
• 3:49
  after
• 3:49
  the
• 3:49
  beginning
• 3:50
  of
• 3:50
  the
• 3:50
  year,
• 3:50
  but
• 3:50
  this
• 3:50
  is
• 3:51
  a
• 3:51
  great
• 3:51
  idea
• 3:51
  to
• 3:52
  maybe
• 3:52
  put
• 3:52
  a
• 3:52
  little
• 3:52
  bit
• 3:53
  more
• 3:53
  money
• 3:53
  away
• 3:53
  before
• 3:54
  the
• 3:54
  end
• 3:54
  of
• 3:54
  the
• 3:54
  year
• 3:54
  because
• 3:54
  those
• 3:55
  small
• 3:55
  deposits
• 3:56
  we
• 3:56
  mentioned
• 3:56
  on
• 3:56
  the
• 3:57
  show
• 3:57
  back
• 3:57
  in
• 3:57
  October
• 3:58
  when
• 3:58
  we
• 3:58
  did
• 3:58
  our
• 3:59
  investment
• 3:59
  series,
• 4:00
  how
• 4:00
  those
• 4:00
  little
• 4:00
  deposits
• 4:01
  can
• 4:01
  really
• 4:02
  grow
• 4:02
  big
• 4:02
  later
• 4:03
  on
• 4:03
  and
• 4:03
  it's
• 4:03
  an
• 4:04
  easy
• 4:04
  win
• 4:04
  for
• 4:04
  your
• 4:04
  future.
• 4:05
  So
• 4:05
  check
• 4:05
  those
• 4:05
  retirement
• 4:06
  contributions.
• 4:07
  Make
• 4:07
  sure
• 4:07
  you're
• 4:08
  putting
• 4:08
  as
• 4:08
  much
• 4:08
  as
• 4:08
  you
• 4:08
  can.
• 4:09
  Listen,
• 4:09
  I'm
• 4:09
  going
• 4:09
  to
• 4:09
  tell
• 4:10
  you,
• 4:10
  I
• 4:10
  like
• 4:10
  to
• 4:10
  put
• 4:10
  about
• 4:11
  15%
• 4:11
  a
• 4:12
  year
• 4:12
  into
• 4:12
  that.
• 4:13
  If
• 4:13
  you're
• 4:13
  not
• 4:13
  quite
• 4:13
  there,
• 4:14
  well,
• 4:14
  make
• 4:15
  it
• 4:15
  maybe
• 4:15
  a
• 4:15
  1%
• 4:16
  increase
• 4:16
  or
• 4:16
  a
• 4:16
  2%
• 4:17
  increase,
• 4:17
  but
• 4:17
  really
• 4:18
  focus
• 4:18
  on
• 4:18
  that.
• 4:18
  Here's
• 4:19
  another
• 4:19
  thing
• 4:19
  a
• 4:20
  lot
• 4:20
  of
• 4:20
  people
• 4:20
  don't
• 4:20
  think
• 4:20
  about
• 4:21
  this.
• 4:21
  Look
• 4:22
  at
• 4:22
  those
• 4:22
  flexible
• 4:23
  spending
• 4:23
  or
• 4:23
  HSA
• 4:24
  funds.
• 4:24
  Now
• 4:25
  if
• 4:25
  you've
• 4:25
  got
• 4:25
  a
• 4:25
  flexible
• 4:25
  spending
• 4:26
  account,
• 4:26
  guess
• 4:26
  what?
• 4:27
  You're
• 4:27
  going
• 4:27
  to
• 4:27
  have
• 4:27
  to
• 4:27
  use
• 4:28
  that
• 4:28
  stuff
• 4:28
  before
• 4:29
  the
• 4:29
  end
• 4:29
  of
• 4:29
  the
• 4:29
  year
• 4:29
  or
• 4:30
  you
• 4:30
  lose
• 4:30
  it.
• 4:30
  So
• 4:31
  make
• 4:31
  sure
• 4:31
  you've
• 4:31
  checked
• 4:32
  those
• 4:32
  balances.
• 4:33
  Make
• 4:33
  sure
• 4:33
  you're
• 4:33
  aware
• 4:34
  of
• 4:34
  what
• 4:34
  you
• 4:35
  can
• 4:35
  spend.
• 4:35
  Maybe
• 4:35
  go
• 4:35
  get
• 4:36
  some
• 4:36
  new
• 4:36
  eyeglasses,
• 4:37
  maybe
• 4:37
  buy
• 4:37
  some
• 4:37
  contact
• 4:38
  lenses,
• 4:38
  maybe
• 4:39
  get
• 4:39
  some
• 4:39
  medications
• 4:40
  that
• 4:40
  you
• 4:40
  can
• 4:40
  prepay
• 4:41
  for
• 4:41
  for
• 4:41
  for
• 4:41
  the
• 4:41
  year.
• 4:42
  But
• 4:42
  don't
• 4:42
  lose
• 4:42
  those
• 4:42
  monies.
• 4:43
  And
• 4:43
  if
• 4:43
  you're
• 4:43
  funding
• 4:44
  an
• 4:44
  hsa,
• 4:45
  make
• 4:45
  sure
• 4:45
  you
• 4:45
  get
• 4:46
  that
• 4:46
  funding
• 4:46
  in
• 4:46
  before
• 4:46
  the
• 4:47
  end
• 4:47
  of
• 4:47
  the
• 4:47
  year,
• 4:47
  because,
• 4:47
  yes,
• 4:48
  it'll
• 4:48
  give
• 4:48
  you
• 4:48
  a
• 4:49
  little
• 4:49
  bit
• 4:49
  of
• 4:49
  a
• 4:49
  tax
• 4:49
  deduction,
• 4:50
  and
• 4:50
  you
• 4:50
  don't
• 4:51
  want
• 4:51
  to
• 4:51
  lose
• 4:51
  out
• 4:52
  when
• 4:52
  those
• 4:52
  Money's
• 4:52
  expiring
• 4:53
  at
• 4:53
  FSA
• 4:54
  on
• 4:54
  December
• 4:54
  31st.
• 4:55
  I've
• 4:55
  seen
• 4:55
  that
• 4:56
  happen
• 4:56
  way
• 4:56
  too
• 4:56
  many
• 4:56
  times.
• 4:57
  Go
• 4:57
  buy
• 4:57
  some
• 4:58
  aspirin.
• 4:58
  Go
• 4:58
  buy
• 4:59
  some
• 4:59
  things
• 4:59
  that
• 4:59
  you
• 4:59
  can
• 5:00
  just
• 5:00
  spend
• 5:00
  a
• 5:00
  little
• 5:00
  bit
• 5:01
  of
• 5:01
  money
• 5:01
  on.
• 5:01
  Here's
• 5:02
  another
• 5:02
  great
• 5:02
  idea.
• 5:02
  You
• 5:03
  want
• 5:03
  to
• 5:03
  find
• 5:03
  some
• 5:03
  ways
• 5:04
  to
• 5:04
  save
• 5:04
  some
• 5:04
  money.
• 5:05
  It's
• 5:05
  a
• 5:05
  great
• 5:05
  time
• 5:06
  to
• 5:06
  audit
• 5:06
  your
• 5:06
  subscriptions,
• 5:07
  pull
• 5:08
  your
• 5:08
  bank
• 5:08
  statements
• 5:08
  out,
• 5:09
  pull
• 5:09
  your
• 5:09
  credit
• 5:09
  card
• 5:10
  statements
• 5:10
  out,
• 5:10
  and
• 5:10
  look
• 5:11
  at
• 5:11
  where
• 5:11
  you're
• 5:11
  spending
• 5:11
  your
• 5:11
  money.
• 5:12
  I'll
• 5:12
  give
• 5:12
  you
• 5:12
  a
• 5:12
  great
• 5:12
  example
• 5:13
  of
• 5:13
  this.
• 5:13
  I
• 5:13
  was
• 5:13
  talking
• 5:13
  to
• 5:13
  somebody
• 5:14
  the
• 5:14
  other
• 5:14
  day,
• 5:14
  and
• 5:15
  I
• 5:15
  said,
• 5:15
  hey,
• 5:15
  I
• 5:15
  was
• 5:15
  doing
• 5:16
  his
• 5:16
  business
• 5:16
  work,
• 5:17
  and
• 5:17
  I
• 5:17
  said,
• 5:17
  do
• 5:17
  you
• 5:17
  realize
• 5:18
  you're
• 5:18
  still
• 5:18
  paying
• 5:18
  for
• 5:19
  this
• 5:19
  particular
• 5:19
  event?
• 5:20
  He
• 5:20
  goes,
• 5:20
  ralph,
• 5:20
  I
• 5:20
  haven't
• 5:21
  been
• 5:21
  to
• 5:21
  that
• 5:21
  in
• 5:21
  two
• 5:21
  years.
• 5:22
  I
• 5:22
  said,
• 5:22
  yeah,
• 5:23
  but
• 5:23
  they're
• 5:23
  charging
• 5:23
  you
• 5:23
  $150
• 5:24
  a
• 5:24
  month.
• 5:24
  That's
• 5:25
  a
• 5:25
  big
• 5:25
  deal.
• 5:26
  I
• 5:26
  said,
• 5:26
  that's
• 5:26
  a
• 5:26
  lot
• 5:27
  of
• 5:27
  money
• 5:27
  for
• 5:27
  you.
• 5:27
  Goes,
• 5:28
  that's
• 5:28
  a
• 5:28
  great
• 5:28
  idea,
• 5:28
  Ralph.
• 5:29
  I'm
• 5:29
  so
• 5:29
  glad
• 5:29
  you
• 5:29
  brought
• 5:29
  that
• 5:30
  up.
• 5:30
  But
• 5:30
  do
• 5:31
  the
• 5:31
  same
• 5:31
  thing.
• 5:31
  Look
• 5:32
  at
• 5:32
  your
• 5:32
  credit
• 5:32
  card
• 5:32
  statements.
• 5:33
  Read
• 5:33
  it
• 5:33
  line
• 5:33
  by
• 5:34
  and
• 5:34
  like,
• 5:34
  it's
• 5:34
  a.
• 5:34
  Like
• 5:34
  it's
• 5:35
  a
• 5:35
  compelling
• 5:36
  novel.
• 5:36
  Well,
• 5:36
  guess
• 5:37
  what?
• 5:37
  It
• 5:37
  is,
• 5:37
  because
• 5:38
  that's
• 5:38
  your
• 5:38
  money
• 5:38
  going
• 5:39
  out
• 5:39
  the
• 5:39
  door.
• 5:39
  And
• 5:39
  if
• 5:40
  you've
• 5:40
  got
• 5:40
  leaks,
• 5:40
  if
• 5:41
  you've
• 5:41
  got
• 5:41
  drafts,
• 5:42
  hey,
• 5:42
  if
• 5:42
  it's
• 5:42
  in
• 5:42
  the
• 5:42
  middle
• 5:43
  of
• 5:43
  winter,
• 5:43
  you
• 5:44
  don't
• 5:44
  want
• 5:44
  the
• 5:44
  heat
• 5:44
  to
• 5:44
  go
• 5:45
  out
• 5:45
  the
• 5:45
  doors,
• 5:45
  right?
• 5:46
  Do
• 5:46
  the
• 5:46
  same
• 5:46
  thing
• 5:47
  with
• 5:47
  your
• 5:47
  money.
• 5:47
  Cancel
• 5:48
  those
• 5:48
  recurring
• 5:48
  charges.
• 5:49
  If
• 5:49
  you're
• 5:49
  not
• 5:49
  using
• 5:49
  it,
• 5:50
  maybe
• 5:50
  you've
• 5:50
  forgotten
• 5:51
  about
• 5:51
  it.
• 5:51
  Cancel
• 5:52
  it.
• 5:52
  Another
• 5:53
  great
• 5:53
  thing
• 5:53
  to
• 5:53
  do
• 5:53
  at
• 5:54
  year
• 5:54
  end
• 5:54
  is
• 5:54
  look
• 5:55
  at
• 5:55
  your
• 5:55
  insurance
• 5:56
  and
• 5:56
  your
• 5:56
  beneficiaries,
• 5:57
  update
• 5:57
  your
• 5:57
  coverage
• 5:58
  and
• 5:58
  update
• 5:59
  those
• 5:59
  contacts,
• 6:00
  because
• 6:00
  this
• 6:00
  simple
• 6:00
  act
• 6:01
  of
• 6:01
  love
• 6:01
  is.
• 6:01
  Is
• 6:02
  for
• 6:02
  your
• 6:02
  family.
• 6:02
  You
• 6:02
  don't
• 6:03
  know
• 6:03
  how
• 6:03
  many
• 6:03
  times
• 6:03
  I've
• 6:04
  seen
• 6:04
  people
• 6:04
  who
• 6:04
  didn't
• 6:05
  think
• 6:05
  about
• 6:05
  it.
• 6:06
  They
• 6:06
  passed
• 6:06
  away,
• 6:07
  and
• 6:07
  those
• 6:07
  beneficiaries
• 6:08
  weren't
• 6:09
  updated,
• 6:09
  and
• 6:10
  it
• 6:10
  became
• 6:10
  a
• 6:10
  big,
• 6:11
  big
• 6:11
  issue.
• 6:12
  So
• 6:12
  here's
• 6:12
  my
• 6:12
  recap.
• 6:13
  Talk
• 6:13
  about
• 6:13
  charitable
• 6:14
  giving.
• 6:14
  Consider
• 6:14
  some
• 6:15
  charity.
• 6:15
  Check
• 6:16
  those
• 6:16
  retirement
• 6:16
  contributions,
• 6:17
  check
• 6:18
  those
• 6:18
  FSA
• 6:18
  and
• 6:19
  HSA
• 6:19
  balances,
• 6:20
  audit
• 6:20
  those
• 6:21
  subscriptions,
• 6:21
  and
• 6:22
  look
• 6:22
  at
• 6:22
  your
• 6:22
  insurance
• 6:23
  and
• 6:23
  beneficiaries,
• 6:24
  because,
• 6:24
  listen
• 6:24
  to
• 6:24
  this
• 6:25
  one.
• 6:25
  I
• 6:25
  had
• 6:25
  Abby,
• 6:26
  my
• 6:26
  producer,
• 6:26
  throw
• 6:27
  this
• 6:27
  into
• 6:27
  the
• 6:27
  show.
• 6:27
  But
• 6:27
  45%
• 6:28
  of
• 6:29
  people
• 6:29
  miss
• 6:29
  simple
• 6:30
  tax
• 6:30
  deductions
• 6:31
  because
• 6:31
  they
• 6:31
  haven't
• 6:32
  planned
• 6:32
  before.
• 6:33
  December
• 6:33
  31st.
• 6:34
  That's
• 6:34
  right,
• 6:34
  from
• 6:34
  the
• 6:34
  IRS
• 6:35
  and
• 6:35
  a
• 6:35
  Kiplinger
• 6:36
  analysis.
• 6:37
  That's
• 6:37
  money
• 6:37
  left
• 6:37
  on
• 6:38
  the
• 6:38
  table,
• 6:38
  oftentimes
• 6:39
  because
• 6:40
  people
• 6:40
  ran
• 6:40
  out
• 6:41
  of
• 6:41
  time.
• 6:41
  But
• 6:41
  you
• 6:41
  don't
• 6:41
  have
• 6:41
  to
• 6:41
  run
• 6:42
  out
• 6:42
  of
• 6:42
  time.
• 6:42
  It's
• 6:43
  only
• 6:43
  the
• 6:43
  2nd
• 6:43
  of
• 6:43
  December.
• 6:44
  You've
• 6:44
  got
• 6:44
  plenty
• 6:44
  of
• 6:45
  time
• 6:45
  to
• 6:45
  set
• 6:46
  this
• 6:46
  year
• 6:46
  as
• 6:47
  a
• 6:47
  great
• 6:47
  ending
• 6:48
  and
• 6:48
  be
• 6:48
  prepared
• 6:48
  for
• 6:48
  2026.
• 6:49
  I
• 6:49
  encourage
• 6:50
  you
• 6:50
  to
• 6:50
  do
• 6:50
  all
• 6:50
  those
• 6:50
  things.
• 6:51
  Let's
• 6:51
  get
• 6:51
  to
• 6:51
  our
• 6:52
  Bible
• 6:52
  verses.
• 6:52
  We
• 6:52
  actually
• 6:53
  have
• 6:53
  two
• 6:53
  today.
• 6:54
  First
• 6:54
  one
• 6:54
  is
• 6:54
  from
• 6:55
  First
• 6:55
  Corinthians
• 6:56
  14:40.
• 6:57
  It
• 6:57
  says,
• 6:58
  but
• 6:58
  everything
• 6:58
  should
• 6:59
  be
• 6:59
  done
• 6:59
  in
• 6:59
  a
• 6:59
  fitting
• 7:00
  and
• 7:00
  orderly
• 7:00
  way.
• 7:01
  Now
• 7:01
  listen,
• 7:01
  as
• 7:01
  a
• 7:01
  type
• 7:02
  A
• 7:02
  personality,
• 7:03
  I
• 7:03
  love
• 7:03
  that
• 7:03
  Bible
• 7:04
  verse.
• 7:04
  A
• 7:05
  fitting
• 7:05
  and
• 7:05
  orderly
• 7:06
  way.
• 7:06
  Now
• 7:06
  some
• 7:06
  people
• 7:06
  don't
• 7:07
  live
• 7:07
  fitting
• 7:07
  and
• 7:07
  orderly.
• 7:08
  But
• 7:08
  listen,
• 7:09
  for
• 7:09
  what
• 7:09
  it's
• 7:09
  worth,
• 7:10
  planning.
• 7:10
  Put
• 7:11
  yourself
• 7:11
  in
• 7:11
  that
• 7:12
  realm
• 7:12
  of
• 7:13
  being
• 7:13
  prepared.
• 7:14
  Now
• 7:14
  the
• 7:14
  second
• 7:14
  one
• 7:14
  comes
• 7:15
  to
• 7:15
  us
• 7:15
  from
• 7:15
  Proverbs
• 7:16
  21:5.
• 7:17
  Now
• 7:17
  this
• 7:17
  is
• 7:17
  a
• 7:17
  different
• 7:18
  translation
• 7:18
  than
• 7:18
  we
• 7:18
  usually
• 7:19
  use,
• 7:19
  but
• 7:19
  I
• 7:19
  kind
• 7:20
  of
• 7:20
  like
• 7:20
  this
• 7:20
  one.
• 7:20
  It's
• 7:20
  from
• 7:21
  the
• 7:21
  new
• 7:21
  living
• 7:21
  translation.
• 7:22
  It
• 7:22
  says
• 7:22
  good
• 7:22
  planning
• 7:23
  and
• 7:23
  hard
• 7:23
  work
• 7:24
  lead
• 7:24
  to
• 7:24
  prosperity,
• 7:25
  but
• 7:25
  hasty
• 7:26
  shortcuts
• 7:27
  lead
• 7:27
  to
• 7:27
  poverty.
• 7:28
  Well,
• 7:29
  that
• 7:29
  pretty
• 7:29
  much
• 7:29
  stands
• 7:30
  on
• 7:30
  its
• 7:30
  own,
• 7:30
  doesn't
• 7:30
  it?
• 7:31
  Good
• 7:31
  planning
• 7:32
  and
• 7:32
  hard
• 7:32
  work,
• 7:33
  prosperity.
• 7:34
  How
• 7:34
  about
• 7:34
  we
• 7:34
  pray
• 7:34
  together
• 7:35
  right
• 7:35
  now,
• 7:36
  Lord,
• 7:36
  as
• 7:36
  we
• 7:36
  think
• 7:36
  about
• 7:37
  finishing
• 7:37
  up
• 7:38
  the
• 7:38
  year
• 7:38
  strong,
• 7:38
  we
• 7:38
  ask
• 7:38
  that
• 7:39
  you
• 7:39
  would
• 7:39
  give
• 7:39
  us
• 7:39
  peace
• 7:40
  in
• 7:40
  the
• 7:40
  middle
• 7:40
  of
• 7:40
  this
• 7:41
  year
• 7:41
  and
• 7:41
  chaos
• 7:42
  in
• 7:42
  this
• 7:42
  middle
• 7:42
  of
• 7:43
  this
• 7:43
  year
• 7:43
  end
• 7:43
  busyness,
• 7:44
  Lord,
• 7:44
  and
• 7:44
  help
• 7:44
  me
• 7:45
  to
• 7:45
  manage
• 7:45
  my
• 7:45
  time
• 7:46
  and
• 7:46
  manage
• 7:46
  my
• 7:47
  money
• 7:47
  with
• 7:47
  order
• 7:48
  and
• 7:48
  not
• 7:48
  anxiety.
• 7:49
  It's
• 7:49
  so
• 7:49
  easy
• 7:49
  to
• 7:50
  get
• 7:50
  into
• 7:50
  a
• 7:50
  point
• 7:50
  of
• 7:51
  anxiety,
• 7:52
  to
• 7:52
  get
• 7:52
  in
• 7:52
  a
• 7:52
  feeling
• 7:53
  of
• 7:53
  overwhelm.
• 7:53
  So
• 7:54
  Lord,
• 7:54
  just
• 7:54
  teach
• 7:54
  me
• 7:54
  right
• 7:54
  now
• 7:55
  to
• 7:55
  finish
• 7:55
  the
• 7:56
  year
• 7:56
  with
• 7:56
  gratitude,
• 7:57
  to
• 7:57
  finish
• 7:57
  it
• 7:57
  with
• 7:58
  diligence,
• 7:58
  and
• 7:59
  to
• 7:59
  finish
• 7:59
  it
• 7:59
  with
• 7:59
  strong
• 8:00
  faith.
• 8:00
  You've
• 8:00
  given
• 8:01
  us
• 8:01
  so
• 8:01
  much,
• 8:01
  Lord,
• 8:01
  and
• 8:02
  we're
• 8:02
  just
• 8:02
  so
• 8:02
  thankful
• 8:02
  for
• 8:03
  what
• 8:03
  you've
• 8:03
  given
• 8:03
  us.
• 8:03
  And
• 8:03
  we
• 8:04
  ask
• 8:04
  this
• 8:04
  in
• 8:05
  confidence
• 8:05
  in
• 8:05
  the
• 8:05
  name
• 8:06
  of
• 8:06
  Jesus.
• 8:07
  Amen.
• 8:07
  Okay,
• 8:08
  here's
• 8:08
  your
• 8:08
  action
• 8:09
  item
• 8:09
  for
• 8:09
  today.
• 8:09
  I
• 8:09
  want
• 8:10
  you
• 8:10
  to
• 8:10
  go
• 8:10
  ahead
• 8:10
  and
• 8:10
  create
• 8:10
  that
• 8:11
  year
• 8:11
  end
• 8:11
  financial
• 8:12
  checklist.
• 8:12
  It
• 8:13
  doesn't
• 8:13
  have
• 8:13
  to
• 8:13
  be
• 8:13
  this
• 8:14
  20
• 8:14
  line
• 8:14
  item
• 8:15
  thing,
• 8:15
  just
• 8:15
  five
• 8:16
  items.
• 8:16
  Just
• 8:17
  pick
• 8:17
  five
• 8:17
  items.
• 8:17
  But
• 8:17
  here's
• 8:18
  what
• 8:18
  your
• 8:18
  commitment
• 8:18
  is.
• 8:19
  You
• 8:19
  got
• 8:19
  to
• 8:19
  complete
• 8:20
  these
• 8:20
  things
• 8:20
  before
• 8:20
  December
• 8:21
  31st.
• 8:22
  So
• 8:22
  make
• 8:22
  sure
• 8:22
  when
• 8:23
  you
• 8:23
  put
• 8:23
  those
• 8:23
  things
• 8:23
  on
• 8:24
  the
• 8:24
  list,
• 8:24
  you're
• 8:24
  going
• 8:24
  to
• 8:25
  do
• 8:25
  them.
• 8:25
  Maybe
• 8:26
  they're
• 8:26
  things
• 8:26
  like
• 8:26
  taxes.
• 8:27
  Make
• 8:27
  sure
• 8:27
  you've
• 8:27
  done
• 8:27
  your
• 8:28
  tax
• 8:28
  deductions.
• 8:28
  Maybe
• 8:29
  it's
• 8:29
  giving
• 8:29
  or
• 8:29
  those
• 8:29
  benefits
• 8:30
  at
• 8:30
  work,
• 8:31
  spending
• 8:31
  or
• 8:31
  insurance.
• 8:32
  But
• 8:32
  find
• 8:32
  five
• 8:33
  and
• 8:33
  commit
• 8:34
  to
• 8:34
  doing
• 8:34
  those
• 8:34
  things
• 8:35
  before
• 8:35
  the
• 8:36
  end
• 8:36
  of
• 8:36
  the
• 8:36
  year
• 8:37
  because
• 8:37
  it's
• 8:38
  going
• 8:38
  to
• 8:38
  be
• 8:38
  a
• 8:38
  huge
• 8:39
  impact
• 8:39
  on
• 8:39
  you.
• 8:40
  One
• 8:40
  of
• 8:40
  the
• 8:40
  things
• 8:40
  I'd
• 8:40
  like
• 8:40
  to
• 8:40
  see
• 8:41
  you
• 8:41
  add
• 8:41
  to
• 8:41
  your
• 8:41
  list
• 8:41
  is
• 8:42
  why
• 8:42
  don't
• 8:42
  you
• 8:42
  join
• 8:42
  our
• 8:42
  community?
• 8:43
  We
• 8:43
  just
• 8:43
  launched
• 8:43
  a
• 8:44
  community.
• 8:44
  It's
• 8:45
  a
• 8:45
  great
• 8:45
  way
• 8:45
  to
• 8:45
  find
• 8:46
  tools,
• 8:46
  devotionals,
• 8:47
  and
• 8:47
  hey,
• 8:48
  how
• 8:48
  about
• 8:48
  some
• 8:48
  prayer
• 8:48
  partners
• 8:49
  to
• 8:49
  help
• 8:49
  you
• 8:49
  finish
• 8:50
  the
• 8:50
  year
• 8:50
  strong
• 8:50
  with
• 8:51
  your
• 8:51
  faith
• 8:51
  and
• 8:52
  your
• 8:52
  finances.
• 8:53
  And
• 8:53
  it's
• 8:53
  super
• 8:53
  simple
• 8:53
  to
• 8:54
  get
• 8:54
  there.
• 8:54
  You
• 8:54
  go
• 8:55
  to
• 8:55
  financiallyconfidentchristian.com/join
• 8:58
  again.
• 8:58
  That's
• 8:59
  financiallyconfidentchristian.com/Join
• 9:02
  and
• 9:02
  you
• 9:02
  can
• 9:03
  join
• 9:03
  for
• 9:03
  absolutely
• 9:03
  free.
• 9:03
  Now,
• 9:04
  if
• 9:04
  you
• 9:04
  want
• 9:04
  to
• 9:04
  support
• 9:04
  the
• 9:04
  show,
• 9:05
  there
• 9:05
  are
• 9:05
  some
• 9:05
  tiers
• 9:06
  where
• 9:06
  you
• 9:06
  can
• 9:06
  get
• 9:06
  some
• 9:07
  bonus
• 9:07
  content
• 9:07
  and
• 9:08
  actually
• 9:08
  support
• 9:08
  the
• 9:08
  show.
• 9:08
  So
• 9:09
  I
• 9:09
  encourage
• 9:09
  you
• 9:09
  to
• 9:09
  go
• 9:09
  and
• 9:09
  check
• 9:10
  it
• 9:10
  out.
• 9:10
  Again,
• 9:10
  that's
• 9:11
  financiallyconfidentchristian.com/join.
• 9:15
  Remember
• 9:15
  this.
• 9:16
  Peace
• 9:16
  starts
• 9:17
  with
• 9:17
  preparation.
• 9:17
  Remember,
• 9:17
  it's
• 9:18
  not
• 9:18
  all
• 9:18
  about
• 9:18
  chaos.
• 9:19
  And
• 9:19
  that
• 9:20
  order
• 9:20
  in
• 9:20
  your
• 9:20
  life
• 9:21
  shows
• 9:21
  faith,
• 9:21
  not
• 9:22
  control.
• 9:23
  So
• 9:23
  don't
• 9:23
  end
• 9:23
  the
• 9:24
  year
• 9:24
  frantic.
• 9:24
  Finish
• 9:25
  it
• 9:25
  faithful.
• 9:25
  Go
• 9:26
  out
• 9:26
  there
• 9:26
  today
• 9:26
  and
• 9:27
  be
• 9:27
  a
• 9:27
  financially
• 9:28
  confident
• 9:28
  Christian.
• 9:28
  Because
• 9:28
  I
• 9:29
  know
• 9:29
  this
• 9:29
  is
• 9:29
  the
• 9:29
  truth.
• 9:30
  You
• 9:30
  have
• 9:30
  the
• 9:30
  ability
• 9:31
  to
• 9:31
  do
• 9:31
  it.
• 9:31
  God
• 9:32
  has
• 9:32
  given
• 9:32
  you
• 9:32
  so
• 9:32
  many
• 9:33
  talents
• 9:33
  and
• 9:34
  so
• 9:34
  many
• 9:34
  gifts.
• 9:34
  You
• 9:34
  just
• 9:35
  have
• 9:35
  to
• 9:35
  harness
• 9:35
  those.
• 9:35
  Because
• 9:36
  guess
• 9:36
  what?
• 9:36
  I'm
• 9:36
  rooting
• 9:37
  for
• 9:37
  you
• 9:37
  and
• 9:38
  so
• 9:38
  is
• 9:38
  Christ.
• 9:39
  So
• 9:39
  stay
• 9:39
  financially
• 9:40
  savvy
• 9:40
  today.
• 9:40
  God
• 9:41
  bless
• 9:41
  you
• 9:41
  and
• 9:41
  you
• 9:42
  have
• 9:42
  a
• 9:42
  great
• 9:42
  day
• 9:42
  today.