Latest / Becoming Financially Confident / Broke and Broken: The Hidden Cost of Addiction

Transcript

Broke and Broken: The Hidden Cost of Addiction · Becoming Financially Confident

• 0:37
  I
• 0:37
  just
• 0:37
  wanted
• 0:38
  to
• 0:38
  share
• 0:38
  something.
• 0:39
  The
• 0:39
  other
• 0:39
  day
• 0:39
  I
• 0:40
  had
• 0:40
  an
• 0:40
  appointment.
• 0:40
  Now,
• 0:40
  it
• 0:40
  seemed
• 0:41
  like
• 0:41
  just
• 0:41
  a
• 0:41
  typical
• 0:42
  consultation.
• 0:43
  Guy
• 0:43
  comes
• 0:44
  in,
• 0:44
  and
• 0:44
  I
• 0:44
  met
• 0:44
  this
• 0:44
  guy
• 0:45
  before.
• 0:45
  He
• 0:46
  sat
• 0:46
  down
• 0:46
  at
• 0:46
  my
• 0:46
  desk.
• 0:47
  And
• 0:47
  I
• 0:47
  picture
• 0:47
  this
• 0:47
  guy.
• 0:48
  He's
• 0:48
  a
• 0:48
  kind
• 0:48
  of
• 0:49
  a
• 0:49
  tough
• 0:49
  guy,
• 0:50
  rides
• 0:50
  a
• 0:50
  motorcycle,
• 0:51
  got
• 0:51
  tattoos
• 0:52
  up
• 0:52
  and
• 0:52
  down
• 0:52
  his
• 0:53
  arms,
• 0:53
  and
• 0:53
  kind
• 0:53
  of
• 0:54
  just,
• 0:54
  you
• 0:54
  know,
• 0:54
  the
• 0:54
  epitome
• 0:55
  of
• 0:55
  just
• 0:55
  a
• 0:55
  sort
• 0:56
  of.
• 0:56
  You
• 0:56
  look
• 0:56
  at
• 0:56
  him,
• 0:56
  you're
• 0:56
  like,
• 0:56
  this
• 0:57
  is
• 0:57
  a
• 0:57
  tough
• 0:57
  guy.
• 0:58
  And
• 0:58
  he
• 0:58
  sat
• 0:59
  down
• 0:59
  with
• 0:59
  me
• 0:59
  and
• 0:59
  he
• 0:59
  said,
• 0:59
  you
• 1:00
  know,
• 1:00
  Ralph,
• 1:00
  I
• 1:00
  really
• 1:00
  need
• 1:00
  some
• 1:00
  help
• 1:01
  with
• 1:01
  something.
• 1:02
  And
• 1:02
  I
• 1:02
  said,
• 1:02
  great,
• 1:03
  I
• 1:03
  can
• 1:03
  help
• 1:03
  you.
• 1:03
  He
• 1:03
  said,
• 1:04
  and
• 1:04
  he
• 1:04
  hands
• 1:04
  me
• 1:04
  this
• 1:04
  piece
• 1:04
  of
• 1:05
  paper.
• 1:06
  And
• 1:06
  on
• 1:06
  this
• 1:06
  piece
• 1:06
  of
• 1:06
  paper,
• 1:07
  he's
• 1:07
  got
• 1:07
  written
• 1:07
  down
• 1:08
  his
• 1:08
  mortgage,
• 1:09
  how
• 1:09
  much
• 1:09
  his
• 1:09
  mortgage
• 1:10
  payment
• 1:10
  is.
• 1:10
  He's
• 1:10
  got
• 1:10
  down
• 1:11
  his
• 1:11
  car
• 1:11
  loans,
• 1:12
  he's
• 1:12
  got
• 1:12
  down
• 1:12
  personal
• 1:13
  loans.
• 1:13
  He's
• 1:13
  got
• 1:14
  all
• 1:14
  of
• 1:14
  his
• 1:15
  expenses
• 1:15
  listed
• 1:16
  out
• 1:16
  item
• 1:17
  by
• 1:17
  item.
• 1:17
  Now,
• 1:17
  he
• 1:17
  didn't
• 1:18
  have
• 1:18
  a
• 1:18
  lot
• 1:18
  of
• 1:18
  stuff.
• 1:18
  He
• 1:19
  had
• 1:19
  quite
• 1:19
  a
• 1:19
  bit
• 1:19
  of
• 1:19
  stuff.
• 1:20
  Then
• 1:20
  he's
• 1:21
  got
• 1:21
  his
• 1:21
  cable
• 1:21
  bill,
• 1:22
  his
• 1:22
  grocery
• 1:23
  bill,
• 1:23
  all
• 1:23
  those
• 1:23
  sort
• 1:23
  of
• 1:23
  things.
• 1:24
  Insurance,
• 1:24
  car
• 1:25
  insurance,
• 1:25
  motorcycle
• 1:26
  insurance.
• 1:27
  And
• 1:27
  I'm
• 1:27
  looking
• 1:27
  through
• 1:28
  this
• 1:28
  list,
• 1:28
  and
• 1:28
  I'm
• 1:28
  saying
• 1:28
  to
• 1:29
  him,
• 1:29
  I
• 1:29
  say,
• 1:29
  okay,
• 1:29
  what's
• 1:29
  going
• 1:30
  on?
• 1:30
  He
• 1:30
  says,
• 1:30
  well,
• 1:31
  I'm
• 1:31
  really
• 1:31
  struggling
• 1:32
  right
• 1:32
  now.
• 1:33
  And
• 1:33
  I
• 1:33
  said,
• 1:33
  okay,
• 1:34
  well,
• 1:34
  tell
• 1:34
  me
• 1:34
  about
• 1:34
  your
• 1:35
  income.
• 1:35
  And
• 1:35
  he
• 1:35
  potentially,
• 1:36
  he's
• 1:36
  a
• 1:36
  union
• 1:37
  guy,
• 1:37
  works
• 1:37
  union
• 1:37
  shops.
• 1:38
  I
• 1:38
  don't
• 1:38
  want
• 1:38
  to
• 1:38
  give
• 1:38
  too
• 1:38
  much
• 1:38
  away
• 1:39
  because
• 1:39
  I
• 1:39
  don't
• 1:39
  want
• 1:39
  to
• 1:39
  give
• 1:39
  away
• 1:40
  this
• 1:40
  guy's
• 1:40
  identity.
• 1:41
  It
• 1:41
  wouldn't
• 1:41
  be
• 1:41
  fair
• 1:41
  to
• 1:42
  do.
• 1:43
  Anyway,
• 1:43
  we're
• 1:43
  going
• 1:43
  through
• 1:44
  this
• 1:44
  conversation.
• 1:44
  He
• 1:45
  says,
• 1:45
  yeah,
• 1:45
  I'm
• 1:45
  making
• 1:45
  pretty
• 1:46
  good
• 1:46
  money,
• 1:46
  Ralph.
• 1:47
  I
• 1:47
  said,
• 1:47
  okay.
• 1:48
  So
• 1:49
  I
• 1:49
  added
• 1:49
  up
• 1:49
  his
• 1:50
  income,
• 1:50
  and
• 1:50
  I
• 1:50
  add
• 1:50
  up
• 1:51
  his
• 1:51
  expenses,
• 1:51
  and
• 1:51
  he
• 1:52
  had
• 1:52
  about
• 1:52
  $1,000
• 1:53
  margin
• 1:53
  at
• 1:54
  the
• 1:54
  end,
• 1:55
  which
• 1:55
  to
• 1:55
  me
• 1:55
  is
• 1:55
  like,
• 1:55
  okay,
• 1:56
  $1,000
• 1:56
  margin
• 1:57
  is
• 1:57
  pretty
• 1:57
  good
• 1:57
  for
• 1:57
  most
• 1:58
  people.
• 1:59
  And
• 1:59
  I
• 1:59
  started
• 1:59
  to
• 1:59
  pry
• 2:00
  a
• 2:00
  little
• 2:00
  bit.
• 2:00
  I
• 2:00
  said,
• 2:00
  hey,
• 2:01
  let
• 2:01
  me
• 2:01
  just
• 2:01
  ask
• 2:01
  you
• 2:01
  a
• 2:01
  question.
• 2:01
  I
• 2:02
  said,
• 2:02
  you're
• 2:02
  sitting
• 2:02
  here
• 2:02
  today.
• 2:03
  Now,
• 2:04
  I
• 2:04
  forgot
• 2:04
  to
• 2:04
  mention
• 2:04
  one
• 2:04
  thing.
• 2:05
  Now,
• 2:05
  he
• 2:05
  did
• 2:05
  have
• 2:05
  a
• 2:05
  tax
• 2:06
  issue.
• 2:07
  He
• 2:07
  had
• 2:07
  taken
• 2:07
  a
• 2:08
  draw
• 2:08
  from
• 2:08
  his
• 2:08
  retirement
• 2:09
  plan,
• 2:10
  and
• 2:10
  he
• 2:10
  ended
• 2:10
  up.
• 2:10
  When
• 2:11
  he
• 2:11
  did
• 2:11
  his
• 2:11
  24
• 2:11
  tax
• 2:12
  return,
• 2:12
  he
• 2:12
  ended
• 2:12
  up
• 2:13
  owing
• 2:13
  some
• 2:13
  money
• 2:13
  to
• 2:13
  the
• 2:13
  irs.
• 2:15
  So
• 2:15
  one
• 2:15
  of
• 2:15
  the
• 2:15
  reasons
• 2:16
  he
• 2:16
  came
• 2:16
  in
• 2:16
  is
• 2:16
  he
• 2:16
  wanted
• 2:16
  to
• 2:16
  sit
• 2:17
  down
• 2:17
  with
• 2:17
  me
• 2:17
  and
• 2:17
  sort
• 2:17
  of
• 2:17
  go
• 2:17
  over,
• 2:18
  hey,
• 2:18
  Ralph,
• 2:18
  how
• 2:18
  do
• 2:18
  I
• 2:19
  handle
• 2:19
  this?
• 2:20
  Don't
• 2:20
  hold
• 2:20
  me
• 2:20
  to
• 2:21
  this.
• 2:21
  I
• 2:21
  want
• 2:21
  to
• 2:21
  say
• 2:21
  he
• 2:21
  owed
• 2:21
  about
• 2:22
  $15,000
• 2:23
  in
• 2:23
  federal
• 2:23
  tax
• 2:23
  and
• 2:24
  about
• 2:24
  5.
• 2:25
  $5,000
• 2:25
  in
• 2:25
  state
• 2:25
  tax,
• 2:26
  about
• 2:26
  $20,000
• 2:27
  overall,
• 2:27
  which
• 2:27
  is
• 2:27
  not
• 2:28
  a
• 2:28
  small
• 2:28
  amount
• 2:29
  with
• 2:29
  his
• 2:29
  income.
• 2:30
  You
• 2:30
  know,
• 2:31
  something
• 2:31
  he
• 2:31
  could
• 2:31
  get
• 2:31
  through.
• 2:32
  Probably
• 2:32
  set
• 2:32
  up
• 2:32
  A
• 2:32
  payment
• 2:33
  plan
• 2:33
  with
• 2:33
  the
• 2:33
  irs,
• 2:35
  and
• 2:35
  I'm
• 2:35
  starting
• 2:35
  working
• 2:36
  these
• 2:36
  angles.
• 2:36
  And
• 2:36
  he
• 2:36
  said,
• 2:37
  okay,
• 2:37
  well,
• 2:37
  can
• 2:37
  you
• 2:37
  help
• 2:37
  me
• 2:37
  try
• 2:38
  to
• 2:38
  figure
• 2:38
  out
• 2:38
  a
• 2:39
  budget,
• 2:39
  how
• 2:39
  to
• 2:39
  figure
• 2:39
  out
• 2:40
  how
• 2:40
  to
• 2:40
  put
• 2:40
  this
• 2:40
  all
• 2:40
  together?
• 2:41
  And
• 2:41
  I
• 2:41
  said,
• 2:41
  sure,
• 2:41
  I
• 2:41
  can
• 2:42
  help
• 2:42
  you
• 2:42
  with
• 2:42
  that.
• 2:43
  I
• 2:43
  said,
• 2:43
  the
• 2:43
  first
• 2:43
  thing
• 2:44
  I
• 2:44
  want
• 2:44
  to
• 2:44
  do
• 2:44
  is
• 2:44
  really
• 2:44
  understand
• 2:45
  where
• 2:45
  your
• 2:45
  money's
• 2:46
  going.
• 2:46
  And
• 2:47
  he
• 2:47
  sort
• 2:47
  of
• 2:47
  looked
• 2:47
  at
• 2:47
  me
• 2:47
  like,
• 2:48
  well,
• 2:48
  what
• 2:48
  do
• 2:48
  you
• 2:48
  mean
• 2:48
  by
• 2:48
  that?
• 2:48
  He
• 2:49
  says,
• 2:49
  I
• 2:49
  wrote
• 2:49
  it
• 2:49
  all
• 2:49
  down.
• 2:50
  I
• 2:50
  said,
• 2:50
  no,
• 2:50
  no,
• 2:50
  no.
• 2:50
  I
• 2:50
  want
• 2:51
  you
• 2:51
  to
• 2:51
  really
• 2:51
  tell
• 2:52
  me.
• 2:52
  Where
• 2:52
  does
• 2:52
  your
• 2:52
  money
• 2:53
  go?
• 2:53
  Looking
• 2:53
  at
• 2:53
  your
• 2:53
  question,
• 2:54
  credit
• 2:54
  card
• 2:54
  statement,
• 2:55
  looking
• 2:55
  at
• 2:55
  your
• 2:55
  bank
• 2:56
  statement,
• 2:56
  all
• 2:56
  that
• 2:56
  sort
• 2:57
  of
• 2:57
  thing.
• 2:57
  Just
• 2:57
  tell
• 2:57
  me
• 2:58
  where
• 2:58
  it's
• 2:58
  going.
• 2:58
  I
• 2:59
  said,
• 2:59
  do
• 2:59
  you
• 2:59
  keep
• 2:59
  track
• 2:59
  of
• 3:00
  that?
• 3:00
  And
• 3:01
  he
• 3:01
  says,
• 3:01
  well,
• 3:01
  no,
• 3:01
  I
• 3:01
  had
• 3:02
  to
• 3:02
  be
• 3:02
  honest
• 3:02
  with
• 3:02
  you.
• 3:02
  I
• 3:02
  don't
• 3:03
  really
• 3:03
  keep
• 3:03
  track
• 3:03
  of
• 3:03
  that.
• 3:03
  Now,
• 3:04
  listen,
• 3:04
  he's
• 3:04
  not
• 3:05
  the
• 3:05
  only
• 3:05
  one.
• 3:05
  A
• 3:05
  lot
• 3:05
  of
• 3:06
  people
• 3:06
  that
• 3:06
  I
• 3:06
  work
• 3:06
  with
• 3:06
  on
• 3:07
  a
• 3:07
  daily
• 3:07
  basis
• 3:07
  don't
• 3:08
  take
• 3:08
  the
• 3:08
  time
• 3:08
  to
• 3:08
  do
• 3:08
  that
• 3:09
  little
• 3:09
  aside.
• 3:09
  It's
• 3:09
  a
• 3:09
  great
• 3:10
  thing
• 3:10
  you
• 3:10
  should
• 3:10
  do.
• 3:11
  But
• 3:11
  he
• 3:11
  hadn't
• 3:11
  done
• 3:12
  that.
• 3:12
  And
• 3:12
  I
• 3:12
  said,
• 3:12
  okay,
• 3:12
  that's
• 3:13
  fine.
• 3:13
  It's
• 3:13
  respectable.
• 3:14
  I
• 3:15
  said,
• 3:15
  well,
• 3:15
  it
• 3:15
  seems
• 3:15
  like
• 3:15
  you've
• 3:16
  got
• 3:16
  some
• 3:16
  margin
• 3:16
  here.
• 3:18
  He
• 3:18
  goes,
• 3:18
  yeah,
• 3:18
  but
• 3:18
  there's
• 3:19
  a
• 3:19
  bigger
• 3:19
  problem
• 3:19
  all
• 3:20
  of
• 3:20
  a
• 3:20
  sudden.
• 3:21
  And
• 3:21
  I'm
• 3:21
  looking
• 3:21
  at
• 3:21
  this,
• 3:22
  and
• 3:22
  he's
• 3:22
  saying,
• 3:22
  what
• 3:22
  do
• 3:22
  you
• 3:23
  think
• 3:23
  about
• 3:23
  this?
• 3:23
  What
• 3:23
  do
• 3:23
  you
• 3:23
  think?
• 3:23
  We're
• 3:23
  going
• 3:24
  through
• 3:24
  all
• 3:24
  kinds
• 3:24
  of
• 3:24
  iterations.
• 3:26
  And
• 3:26
  all
• 3:26
  of
• 3:26
  a
• 3:26
  sudden,
• 3:27
  I
• 3:27
  look
• 3:27
  over
• 3:27
  at
• 3:27
  this
• 3:27
  guy
• 3:28
  and
• 3:28
  the
• 3:28
  tears
• 3:28
  are
• 3:28
  just
• 3:29
  streaming
• 3:29
  down
• 3:29
  his
• 3:29
  face.
• 3:31
  And
• 3:31
  I'm
• 3:32
  thinking
• 3:32
  to
• 3:32
  myself,
• 3:32
  what
• 3:32
  is
• 3:33
  going
• 3:33
  on
• 3:33
  here?
• 3:34
  And
• 3:34
  then
• 3:35
  it
• 3:35
  occurred
• 3:35
  to
• 3:35
  me,
• 3:36
  see,
• 3:36
  it
• 3:37
  wasn't
• 3:37
  about
• 3:37
  the
• 3:37
  money
• 3:37
  all
• 3:38
  along.
• 3:39
  See,
• 3:39
  a
• 3:39
  lot
• 3:39
  of
• 3:39
  people
• 3:39
  figure
• 3:40
  that
• 3:40
  people
• 3:40
  who
• 3:40
  are
• 3:41
  struggling
• 3:41
  with
• 3:41
  their
• 3:41
  money,
• 3:41
  well,
• 3:41
  they're
• 3:42
  making
• 3:42
  bad
• 3:42
  decisions.
• 3:43
  They're
• 3:43
  not
• 3:44
  managing
• 3:44
  their
• 3:44
  money
• 3:44
  well.
• 3:45
  They're
• 3:45
  not
• 3:45
  good
• 3:45
  at
• 3:46
  saving.
• 3:46
  They
• 3:46
  spend
• 3:47
  too
• 3:47
  much.
• 3:48
  So
• 3:48
  I
• 3:48
  pried
• 3:49
  a
• 3:49
  little
• 3:49
  deeper.
• 3:49
  I
• 3:49
  said,
• 3:49
  tell
• 3:49
  me,
• 3:50
  really,
• 3:50
  what's
• 3:50
  going
• 3:50
  on?
• 3:51
  And
• 3:52
  he
• 3:52
  said,
• 3:52
  well,
• 3:52
  you
• 3:52
  know
• 3:52
  what,
• 3:52
  Ralph?
• 3:53
  He
• 3:53
  says,
• 3:53
  the
• 3:53
  truth
• 3:53
  is,
• 3:54
  if
• 3:54
  you
• 3:54
  looked
• 3:55
  at
• 3:55
  where
• 3:55
  my
• 3:55
  money
• 3:55
  went,
• 3:57
  I
• 3:57
  spent
• 3:57
  a
• 3:57
  lot
• 3:58
  of
• 3:58
  money
• 3:58
  at
• 3:58
  the
• 3:58
  bar.
• 3:59
  I
• 3:59
  said,
• 4:00
  okay,
• 4:00
  well,
• 4:01
  you're
• 4:01
  not
• 4:01
  the
• 4:01
  only
• 4:02
  one.
• 4:02
  I
• 4:02
  said,
• 4:02
  there's
• 4:02
  a
• 4:02
  lot
• 4:02
  of
• 4:03
  people
• 4:03
  that
• 4:03
  go
• 4:03
  to
• 4:04
  the
• 4:04
  bar.
• 4:04
  He
• 4:04
  says,
• 4:04
  no,
• 4:04
  you
• 4:04
  don't
• 4:05
  understand.
• 4:06
  I
• 4:06
  go
• 4:06
  to
• 4:06
  the
• 4:07
  bar
• 4:07
  a
• 4:07
  lot.
• 4:08
  And
• 4:08
  I
• 4:08
  said,
• 4:09
  okay,
• 4:09
  well,
• 4:09
  we
• 4:10
  can
• 4:10
  work
• 4:10
  with
• 4:10
  that.
• 4:10
  He
• 4:10
  goes,
• 4:11
  no,
• 4:11
  I
• 4:11
  don't
• 4:11
  think
• 4:11
  you
• 4:11
  understand,
• 4:12
  Ralph.
• 4:13
  I
• 4:13
  have
• 4:13
  a
• 4:14
  real
• 4:14
  issue.
• 4:15
  So
• 4:15
  here's
• 4:16
  this
• 4:16
  guy.
• 4:16
  I
• 4:16
  mean,
• 4:17
  picture
• 4:17
  of
• 4:18
  a
• 4:18
  tough
• 4:18
  guy,
• 4:18
  right?
• 4:19
  Not
• 4:19
  a
• 4:19
  tough
• 4:19
  guy.
• 4:19
  Wants
• 4:20
  to
• 4:20
  fight
• 4:20
  with
• 4:20
  you
• 4:20
  all
• 4:20
  the
• 4:20
  time.
• 4:20
  That's
• 4:21
  not
• 4:21
  what
• 4:21
  I'm
• 4:21
  talking
• 4:21
  about.
• 4:21
  But
• 4:22
  a
• 4:22
  tough
• 4:22
  guy,
• 4:23
  strong
• 4:23
  guy,
• 4:23
  that's
• 4:24
  probably
• 4:24
  a
• 4:24
  better
• 4:24
  word
• 4:24
  to
• 4:24
  use,
• 4:25
  strong
• 4:25
  guy.
• 4:26
  And
• 4:26
  he's
• 4:27
  laying
• 4:27
  it
• 4:27
  all
• 4:27
  out
• 4:27
  for
• 4:27
  me.
• 4:28
  And
• 4:28
  she
• 4:29
  would
• 4:29
  have
• 4:29
  been
• 4:29
  real
• 4:29
  easy
• 4:29
  for
• 4:30
  me
• 4:30
  to
• 4:30
  say,
• 4:30
  oh,
• 4:30
  here's
• 4:30
  a
• 4:31
  budget,
• 4:31
  go
• 4:31
  do
• 4:31
  this,
• 4:31
  go
• 4:32
  do
• 4:32
  that,
• 4:32
  track
• 4:32
  your
• 4:32
  money,
• 4:32
  all
• 4:33
  that
• 4:33
  sort
• 4:33
  of
• 4:33
  things.
• 4:33
  But
• 4:33
  that
• 4:33
  wasn't
• 4:34
  the
• 4:34
  issue.
• 4:35
  Oftentimes
• 4:36
  money
• 4:37
  isn't
• 4:37
  the
• 4:37
  issue.
• 4:39
  So
• 4:39
  if
• 4:39
  you're
• 4:39
  listening
• 4:40
  to
• 4:40
  this
• 4:40
  right
• 4:40
  now,
• 4:41
  if
• 4:41
  you're
• 4:41
  watching
• 4:41
  this
• 4:42
  right
• 4:42
  now,
• 4:43
  there's
• 4:43
  a
• 4:44
  pretty
• 4:44
  good
• 4:44
  chance
• 4:44
  that
• 4:44
  it's
• 4:45
  not
• 4:45
  about
• 4:45
  the
• 4:45
  money
• 4:45
  with
• 4:46
  you
• 4:46
  either.
• 4:47
  You
• 4:47
  might
• 4:47
  be
• 4:47
  struggling
• 4:48
  with
• 4:48
  addiction.
• 4:48
  This
• 4:49
  guy's
• 4:49
  struggling
• 4:49
  with
• 4:49
  addiction.
• 4:50
  The
• 4:50
  thing
• 4:50
  I
• 4:50
  did
• 4:50
  was
• 4:50
  I
• 4:51
  pointed
• 4:51
  him
• 4:51
  to
• 4:52
  some
• 4:52
  AA
• 4:52
  meetings
• 4:53
  and
• 4:53
  I'm
• 4:53
  hoping
• 4:53
  he
• 4:54
  follows
• 4:54
  up
• 4:54
  with
• 4:54
  that
• 4:54
  because
• 4:55
  I
• 4:55
  think
• 4:55
  he
• 4:55
  really
• 4:56
  does
• 4:56
  recognize
• 4:56
  that
• 4:57
  he
• 4:57
  has
• 4:57
  a
• 4:57
  problem.
• 4:58
  There
• 4:59
  are
• 4:59
  all
• 4:59
  kinds
• 4:59
  of
• 4:59
  addictions.
• 5:00
  People
• 5:00
  are
• 5:00
  addicted
• 5:01
  to
• 5:02
  alcohol,
• 5:02
  people
• 5:02
  are
• 5:03
  addicted
• 5:03
  to
• 5:03
  food,
• 5:04
  people
• 5:04
  are
• 5:04
  addicted
• 5:04
  to
• 5:05
  spending.
• 5:05
  There's
• 5:05
  all
• 5:05
  kinds
• 5:06
  of
• 5:06
  things
• 5:06
  that
• 5:06
  people
• 5:07
  are
• 5:07
  addicted
• 5:07
  to.
• 5:07
  And
• 5:08
  it's
• 5:08
  really
• 5:08
  easy
• 5:08
  for
• 5:08
  us
• 5:08
  to
• 5:09
  sit
• 5:09
  back
• 5:09
  and
• 5:09
  judge
• 5:09
  that
• 5:10
  person
• 5:11
  and
• 5:11
  say,
• 5:11
  you
• 5:11
  know,
• 5:12
  why
• 5:12
  can't
• 5:12
  they
• 5:12
  save
• 5:12
  money?
• 5:13
  They
• 5:13
  just,
• 5:13
  they're
• 5:14
  frivolous
• 5:14
  with
• 5:14
  their
• 5:14
  money.
• 5:14
  They
• 5:15
  don't
• 5:15
  know
• 5:15
  where
• 5:15
  their
• 5:15
  money's
• 5:16
  going.
• 5:16
  It's
• 5:16
  real
• 5:16
  easier
• 5:16
  for
• 5:17
  us
• 5:17
  to
• 5:17
  be
• 5:17
  judgmental
• 5:18
  of
• 5:18
  those
• 5:18
  people.
• 5:19
  But
• 5:20
  this
• 5:20
  meeting
• 5:20
  the
• 5:20
  other
• 5:21
  day,
• 5:21
  it
• 5:21
  really
• 5:21
  brought
• 5:21
  it
• 5:22
  full
• 5:22
  circle
• 5:22
  for
• 5:22
  me.
• 5:23
  And
• 5:24
  I
• 5:24
  just
• 5:24
  think
• 5:24
  we
• 5:24
  all
• 5:24
  need
• 5:25
  to
• 5:25
  just
• 5:25
  take
• 5:25
  a
• 5:25
  break
• 5:25
  sometimes
• 5:26
  and
• 5:26
  say
• 5:26
  we
• 5:26
  don't
• 5:27
  know
• 5:27
  what
• 5:27
  someone
• 5:28
  else
• 5:28
  is
• 5:28
  facing,
• 5:30
  we
• 5:30
  don't
• 5:30
  know
• 5:31
  what
• 5:32
  trauma
• 5:32
  they've
• 5:32
  gone
• 5:33
  through,
• 5:33
  what
• 5:33
  led
• 5:34
  them
• 5:34
  to
• 5:34
  this
• 5:34
  situation
• 5:35
  in
• 5:35
  their
• 5:35
  life.
• 5:37
  And
• 5:37
  if
• 5:37
  that's
• 5:37
  you
• 5:37
  right
• 5:38
  now,
• 5:38
  I
• 5:38
  just
• 5:38
  want
• 5:38
  to
• 5:38
  encourage
• 5:39
  you,
• 5:39
  you
• 5:39
  can
• 5:39
  reach
• 5:39
  out
• 5:40
  to
• 5:40
  me
• 5:40
  at
• 5:40
  the
• 5:40
  show.
• 5:40
  I'd
• 5:41
  be
• 5:41
  happy
• 5:41
  to
• 5:41
  talk
• 5:41
  to
• 5:42
  you
• 5:42
  and
• 5:42
  see
• 5:42
  if
• 5:42
  I
• 5:42
  can
• 5:43
  help
• 5:43
  you
• 5:43
  get
• 5:43
  back
• 5:44
  to
• 5:44
  where
• 5:44
  you
• 5:44
  need
• 5:44
  to
• 5:45
  be.
• 5:45
  Because
• 5:45
  like
• 5:45
  I
• 5:45
  said
• 5:46
  at
• 5:46
  the
• 5:46
  beginning
• 5:46
  of
• 5:46
  this,
• 5:48
  sometimes
• 5:48
  it's
• 5:48
  more
• 5:48
  than
• 5:49
  the
• 5:49
  money,
• 5:50
  Sometimes
• 5:50
  it's
• 5:51
  a
• 5:51
  deep
• 5:51
  seated
• 5:51
  addiction.
• 5:52
  How
• 5:53
  about
• 5:53
  we
• 5:53
  pray
• 5:53
  together,
• 5:55
  Father
• 5:56
  God,
• 5:56
  I
• 5:56
  just
• 5:56
  want
• 5:56
  to
• 5:56
  ask
• 5:57
  prayer
• 5:57
  right
• 5:57
  now
• 5:57
  for
• 5:58
  anybody
• 5:58
  who's
• 5:58
  out
• 5:58
  there
• 5:59
  struggling
• 5:59
  with
• 5:59
  addiction,
• 6:00
  Lord.
• 6:01
  There
• 6:01
  are
• 6:01
  people
• 6:02
  listening
• 6:02
  and
• 6:02
  watching
• 6:02
  right
• 6:03
  now,
• 6:03
  Lord,
• 6:03
  who
• 6:03
  are
• 6:04
  struggling
• 6:04
  with
• 6:04
  this
• 6:04
  on
• 6:05
  a
• 6:05
  minute
• 6:05
  by
• 6:05
  minute,
• 6:06
  hour
• 6:06
  by
• 6:06
  hour,
• 6:06
  day
• 6:07
  by
• 6:07
  day
• 6:07
  basis.
• 6:07
  And
• 6:08
  Lord,
• 6:08
  just
• 6:08
  ask
• 6:09
  that
• 6:09
  you
• 6:09
  would
• 6:09
  help
• 6:09
  them
• 6:10
  get
• 6:10
  through
• 6:10
  this
• 6:10
  situation
• 6:11
  in
• 6:11
  their
• 6:11
  lives,
• 6:12
  Lord.
• 6:12
  Help
• 6:13
  them
• 6:13
  to
• 6:13
  lay
• 6:13
  it
• 6:13
  at
• 6:13
  the
• 6:14
  foot
• 6:14
  of
• 6:14
  the
• 6:14
  cross
• 6:14
  and
• 6:14
  finally
• 6:15
  relinquish
• 6:16
  control
• 6:16
  of
• 6:16
  that,
• 6:16
  Lord,
• 6:17
  and
• 6:17
  just
• 6:17
  give
• 6:17
  it
• 6:18
  to
• 6:18
  you.
• 6:18
  And
• 6:18
  I,
• 6:19
  Lord,
• 6:19
  I
• 6:19
  just
• 6:19
  pray
• 6:20
  that
• 6:20
  you'll
• 6:20
  touch
• 6:21
  the
• 6:21
  hearts
• 6:21
  of
• 6:21
  those
• 6:21
  people
• 6:22
  who
• 6:22
  are
• 6:22
  listening
• 6:23
  and
• 6:23
  watching,
• 6:23
  who
• 6:23
  are
• 6:24
  battling
• 6:24
  addiction
• 6:25
  ever.
• 6:26
  This
• 6:26
  client
• 6:26
  I
• 6:26
  worked
• 6:27
  with
• 6:27
  the
• 6:27
  other
• 6:27
  day,
• 6:27
  Lord,
• 6:27
  I
• 6:27
  ask
• 6:28
  that
• 6:28
  you
• 6:28
  would
• 6:28
  give
• 6:28
  him
• 6:28
  strength,
• 6:29
  give
• 6:29
  him
• 6:29
  strength
• 6:30
  to
• 6:30
  overcome
• 6:31
  this
• 6:31
  addiction
• 6:31
  that
• 6:31
  is
• 6:32
  crippling
• 6:32
  his
• 6:32
  life,
• 6:33
  that
• 6:33
  is
• 6:33
  costing
• 6:34
  him
• 6:34
  so
• 6:34
  dearly.
• 6:35
  Lord,
• 6:36
  you
• 6:36
  are
• 6:36
  the
• 6:36
  great
• 6:36
  physician,
• 6:37
  Lord,
• 6:37
  and
• 6:37
  we
• 6:37
  know,
• 6:38
  as
• 6:38
  we
• 6:38
  pray
• 6:39
  right
• 6:39
  now,
• 6:39
  we
• 6:39
  know
• 6:40
  that
• 6:40
  you
• 6:40
  can
• 6:40
  fix
• 6:40
  this.
• 6:41
  We
• 6:41
  know
• 6:41
  that
• 6:41
  you
• 6:41
  can
• 6:41
  solve
• 6:42
  this,
• 6:42
  Lord.
• 6:42
  So
• 6:43
  I
• 6:43
  just
• 6:43
  ask
• 6:43
  that
• 6:44
  you
• 6:44
  would
• 6:44
  open
• 6:44
  up
• 6:44
  all
• 6:45
  of
• 6:45
  our
• 6:45
  hearts
• 6:45
  and
• 6:45
  help
• 6:46
  us
• 6:46
  to
• 6:46
  reach
• 6:46
  out
• 6:46
  to
• 6:47
  those
• 6:47
  who
• 6:47
  are
• 6:47
  battling
• 6:48
  addiction,
• 6:48
  Lord,
• 6:48
  and
• 6:49
  not
• 6:49
  just
• 6:49
  cast
• 6:49
  them
• 6:50
  aside
• 6:50
  and
• 6:50
  just
• 6:50
  assume
• 6:51
  that
• 6:51
  it's
• 6:52
  mistakes
• 6:52
  that
• 6:52
  they're
• 6:53
  making.
• 6:53
  Lord,
• 6:54
  please
• 6:55
  be
• 6:55
  with
• 6:55
  everyone
• 6:55
  who's
• 6:56
  listening
• 6:56
  and
• 6:56
  watching
• 6:57
  today
• 6:57
  who's
• 6:57
  struggling
• 6:57
  with
• 6:57
  that
• 6:58
  addiction,
• 6:58
  Lord,
• 6:58
  and
• 6:59
  show
• 6:59
  them
• 6:59
  hope.
• 6:59
  Show
• 7:00
  them
• 7:00
  a
• 7:00
  path
• 7:00
  forward.
• 7:01
  And
• 7:01
  I
• 7:01
  ask
• 7:01
  this
• 7:02
  in
• 7:02
  the
• 7:02
  precious
• 7:03
  name
• 7:03
  of
• 7:03
  Jesus.
• 7:05
  Amen.
• 7:06
  I
• 7:06
  just
• 7:06
  needed
• 7:07
  to
• 7:07
  share
• 7:07
  that
• 7:07
  today
• 7:08
  because
• 7:09
  Lord's
• 7:09
  been
• 7:09
  putting
• 7:10
  that
• 7:10
  on
• 7:10
  my
• 7:10
  heart
• 7:10
  lately.
• 7:11
  And
• 7:11
  I
• 7:11
  just
• 7:11
  felt
• 7:11
  like
• 7:12
  this
• 7:12
  was
• 7:12
  something
• 7:12
  I
• 7:13
  needed
• 7:13
  to
• 7:13
  share
• 7:13
  today.
• 7:14
  So
• 7:14
  I
• 7:14
  would
• 7:14
  encourage
• 7:14
  you
• 7:15
  share
• 7:16
  this
• 7:16
  with
• 7:16
  somebody
• 7:17
  else.
• 7:17
  Maybe
• 7:17
  there's
• 7:17
  somebody
• 7:17
  else
• 7:18
  that's
• 7:18
  out
• 7:18
  there
• 7:19
  battling
• 7:19
  addiction.
• 7:21
  Put
• 7:21
  your
• 7:21
  arm
• 7:21
  around
• 7:21
  them
• 7:22
  and
• 7:22
  tell
• 7:22
  them
• 7:22
  it's
• 7:22
  going
• 7:22
  to
• 7:22
  be
• 7:23
  okay.
• 7:23
  Give
• 7:23
  them
• 7:24
  an
• 7:24
  opportunity
• 7:25
  to
• 7:25
  talk
• 7:25
  to
• 7:25
  you.
• 7:25
  Maybe
• 7:26
  they
• 7:26
  just
• 7:26
  need
• 7:27
  to
• 7:27
  be
• 7:27
  heard.
• 7:27
  Maybe
• 7:28
  they
• 7:28
  just
• 7:28
  need
• 7:28
  to
• 7:29
  get
• 7:29
  it
• 7:29
  off
• 7:29
  their
• 7:29
  chest.
• 7:31
  I'm
• 7:31
  going
• 7:31
  to
• 7:31
  encourage
• 7:31
  you.
• 7:32
  Just
• 7:32
  share
• 7:32
  the
• 7:32
  show
• 7:32
  with
• 7:32
  them.
• 7:32
  You
• 7:33
  can
• 7:33
  point
• 7:33
  them
• 7:33
  to
• 7:33
  financially
• 7:34
  confident
• 7:35
  Christian.
• 7:35
  Like
• 7:35
  I
• 7:35
  said,
• 7:36
  sometimes
• 7:36
  it's
• 7:36
  not
• 7:36
  about
• 7:37
  finances.
• 7:38
  Sometimes
• 7:39
  it's
• 7:39
  about
• 7:39
  what's
• 7:40
  going
• 7:40
  on
• 7:40
  in
• 7:40
  your
• 7:40
  life.
• 7:41
  I
• 7:42
  just
• 7:42
  want
• 7:42
  to
• 7:42
  say
• 7:42
  thank
• 7:42
  you
• 7:43
  and
• 7:43
  God
• 7:43
  bless
• 7:43
  you,
• 7:43
  and
• 7:43
  you
• 7:43
  have
• 7:44
  a
• 7:44
  great
• 7:44
  day
• 7:44
  today.