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Worried Your Money Isn’t Safe? Ready for a Cyber Refresh? · Becoming Financially Confident

• 0:37
  Does
• 0:37
  it
• 0:38
  ever
• 0:38
  feel
• 0:38
  like
• 0:38
  all
• 0:38
  your
• 0:38
  money,
• 0:39
  I'm
• 0:39
  talking
• 0:39
  about
• 0:39
  your
• 0:40
  banking,
• 0:40
  your
• 0:40
  bills,
• 0:40
  your
• 0:41
  passwords,
• 0:41
  is
• 0:41
  just
• 0:42
  floating
• 0:42
  out
• 0:42
  there
• 0:42
  online
• 0:43
  and
• 0:44
  you're
• 0:44
  just
• 0:44
  hoping
• 0:44
  nothing
• 0:45
  goes
• 0:45
  wrong.
• 0:46
  You're
• 0:47
  not
• 0:47
  crazy
• 0:47
  for
• 0:47
  feeling
• 0:47
  that
• 0:48
  way.
• 0:48
  And
• 0:48
  you're
• 0:48
  not
• 0:49
  paranoid.
• 0:49
  Guess
• 0:49
  what?
• 0:49
  You're
• 0:50
  paying
• 0:50
  attention.
• 0:51
  Because
• 0:51
  the
• 0:52
  truth
• 0:52
  is,
• 0:52
  when
• 0:53
  your
• 0:53
  money
• 0:53
  lives
• 0:53
  online,
• 0:54
  you're
• 0:54
  just
• 0:54
  one
• 0:54
  scam,
• 0:55
  one
• 0:55
  password
• 0:56
  or
• 0:56
  one
• 0:56
  rush
• 0:57
  clicked
• 0:57
  that
• 0:57
  create
• 0:58
  real
• 0:58
  damage
• 0:58
  in
• 0:59
  your
• 0:59
  life.
• 0:59
  But
• 0:59
  there
• 0:59
  is
• 0:59
  hope.
• 1:00
  Stewardship
• 1:01
  isn't
• 1:01
  just
• 1:01
  budgeting.
• 1:02
  It's
• 1:02
  protecting
• 1:03
  what
• 1:03
  God
• 1:03
  has
• 1:03
  entrusted
• 1:04
  to
• 1:04
  you.
• 1:04
  And
• 1:04
  the
• 1:04
  good
• 1:04
  news,
• 1:05
  I've
• 1:05
  got
• 1:06
  a
• 1:06
  few
• 1:06
  small
• 1:06
  habits
• 1:07
  that
• 1:07
  can
• 1:07
  block
• 1:07
  some
• 1:08
  very
• 1:08
  big
• 1:08
  headaches.
• 1:09
  Let
• 1:09
  me
• 1:09
  show
• 1:09
  you
• 1:09
  how.
• 1:09
  Listen,
• 1:10
  before
• 1:10
  I
• 1:10
  get
• 1:10
  too
• 1:10
  much
• 1:10
  into
• 1:10
  it
• 1:11
  today,
• 1:11
  this
• 1:11
  is
• 1:11
  a
• 1:12
  great
• 1:12
  episode
• 1:12
  to
• 1:13
  share
• 1:13
  with
• 1:13
  everyone,
• 1:14
  especially
• 1:14
  your
• 1:14
  parents
• 1:15
  and
• 1:15
  your
• 1:15
  grandparents.
• 1:16
  This
• 1:16
  can
• 1:17
  change
• 1:17
  lives
• 1:17
  today.
• 1:39
  Hello
• 1:39
  and
• 1:40
  welcome
• 1:40
  to
• 1:40
  the
• 1:40
  show.
• 1:40
  I'm
• 1:41
  Ralph.
• 1:41
  Thank
• 1:41
  you
• 1:41
  so
• 1:41
  much
• 1:42
  for
• 1:42
  joining
• 1:42
  me
• 1:42
  today.
• 1:43
  And
• 1:43
  we're
• 1:43
  going
• 1:44
  to
• 1:44
  have
• 1:44
  a
• 1:44
  real
• 1:44
  practical
• 1:44
  discussion
• 1:45
  today.
• 1:46
  But
• 1:46
  every
• 1:47
  day
• 1:47
  I
• 1:47
  try
• 1:47
  to
• 1:47
  help
• 1:47
  you
• 1:48
  break
• 1:48
  that
• 1:48
  cycle
• 1:48
  of
• 1:49
  financial
• 1:49
  shame
• 1:49
  with
• 1:49
  comments.
• 1:50
  I'm
• 1:50
  trying
• 1:50
  to
• 1:50
  help
• 1:50
  you
• 1:50
  break
• 1:51
  that
• 1:51
  cycle
• 1:51
  of
• 1:52
  being
• 1:52
  exposed
• 1:52
  online.
• 1:54
  And
• 1:54
  a
• 1:54
  listener
• 1:55
  said
• 1:55
  to
• 1:55
  me,
• 1:55
  ralph,
• 1:55
  everything
• 1:56
  is
• 1:56
  online
• 1:56
  now.
• 1:57
  My
• 1:57
  bank,
• 1:57
  my
• 1:58
  bills,
• 1:58
  my
• 1:58
  shopping,
• 1:59
  my
• 1:59
  passwords,
• 1:59
  everything.
• 2:00
  Ralph,
• 2:00
  I
• 2:01
  feel
• 2:01
  exposed.
• 2:02
  How
• 2:02
  do
• 2:02
  I
• 2:02
  protect
• 2:03
  my
• 2:03
  accounts
• 2:03
  and
• 2:04
  feel
• 2:04
  safe
• 2:04
  again?
• 2:06
  That
• 2:06
  is
• 2:06
  no
• 2:07
  joke.
• 2:08
  And
• 2:08
  if
• 2:08
  that's
• 2:09
  you,
• 2:09
  if
• 2:09
  you
• 2:09
  feel
• 2:10
  that
• 2:10
  right
• 2:10
  now,
• 2:10
  you're
• 2:11
  not
• 2:11
  alone
• 2:11
  in
• 2:11
  that.
• 2:12
  But
• 2:12
  here's
• 2:12
  the
• 2:12
  best
• 2:12
  part
• 2:13
  of
• 2:13
  that.
• 2:13
  You're
• 2:13
  also
• 2:13
  not
• 2:13
  helpless.
• 2:15
  And
• 2:15
  if
• 2:15
  we
• 2:15
  look
• 2:16
  at
• 2:16
  the
• 2:16
  news
• 2:16
  every
• 2:16
  week,
• 2:16
  the
• 2:17
  headlines
• 2:17
  repeat
• 2:17
  the
• 2:17
  same
• 2:18
  pattern.
• 2:18
  Data
• 2:19
  breaches,
• 2:20
  phishing
• 2:20
  attacks.
• 2:20
  Not
• 2:21
  the
• 2:21
  kind
• 2:21
  where
• 2:21
  you
• 2:21
  go
• 2:21
  fish
• 2:21
  for
• 2:22
  a
• 2:22
  little
• 2:22
  bobber
• 2:22
  and
• 2:22
  all
• 2:22
  that.
• 2:23
  I'm
• 2:23
  talking
• 2:23
  about
• 2:23
  phishing
• 2:24
  attacks.
• 2:25
  Identity
• 2:25
  theft
• 2:25
  is
• 2:26
  through
• 2:26
  the
• 2:26
  roof.
• 2:26
  Account
• 2:27
  takeovers.
• 2:29
  And
• 2:29
  every
• 2:30
  expert
• 2:30
  says
• 2:30
  the
• 2:31
  same
• 2:31
  three
• 2:31
  anchors
• 2:32
  protect
• 2:32
  you.
• 2:32
  To
• 2:32
  us.
• 2:33
  We're
• 2:33
  going
• 2:33
  to
• 2:33
  lean
• 2:33
  into
• 2:33
  these
• 2:33
  today.
• 2:34
  Strong,
• 2:34
  unique
• 2:34
  passwords.
• 2:35
  Two
• 2:36
  factor
• 2:36
  authentication.
• 2:36
  Yes,
• 2:37
  I'm
• 2:37
  gonna
• 2:37
  define
• 2:37
  what
• 2:37
  that
• 2:37
  is.
• 2:38
  And
• 2:38
  ongoing
• 2:39
  monitoring.
• 2:40
  Now
• 2:40
  I
• 2:41
  know
• 2:41
  it.
• 2:41
  Cybersecurity
• 2:42
  feels
• 2:42
  big.
• 2:42
  It
• 2:42
  feels
• 2:42
  like
• 2:43
  this
• 2:43
  thing.
• 2:43
  Bruff.
• 2:43
  I
• 2:43
  don't
• 2:43
  get
• 2:44
  it.
• 2:44
  I'm
• 2:44
  not
• 2:44
  a
• 2:44
  tech
• 2:45
  person,
• 2:46
  but
• 2:46
  I've
• 2:47
  got
• 2:47
  some
• 2:47
  small
• 2:47
  steps
• 2:48
  that
• 2:48
  can
• 2:48
  make
• 2:48
  it
• 2:49
  work
• 2:49
  for
• 2:49
  you.
• 2:50
  And
• 2:50
  I've
• 2:51
  walked
• 2:51
  hundreds
• 2:52
  of
• 2:52
  clients
• 2:52
  through
• 2:52
  simple
• 2:53
  cyber
• 2:53
  habits.
• 2:54
  Just
• 2:54
  10
• 2:54
  minute
• 2:55
  fixes
• 2:55
  that
• 2:55
  prevented
• 2:56
  weeks
• 2:56
  of
• 2:56
  cleanup.
• 2:57
  You
• 2:57
  don't
• 2:57
  want
• 2:57
  to
• 2:57
  be
• 2:57
  in
• 2:58
  one
• 2:58
  of
• 2:58
  these.
• 2:58
  Trust
• 2:59
  me.
• 2:59
  These
• 2:59
  10
• 3:00
  minute
• 3:00
  fixes
• 3:00
  will
• 3:00
  prevent
• 3:01
  your
• 3:01
  life
• 3:01
  from
• 3:02
  going
• 3:02
  in
• 3:02
  a
• 3:02
  crazy
• 3:03
  direction.
• 3:04
  Just
• 3:04
  small
• 3:04
  changes
• 3:05
  can
• 3:05
  reduce
• 3:06
  enormous
• 3:06
  anxiety.
• 3:07
  And
• 3:07
  just
• 3:08
  some
• 3:08
  simple
• 3:08
  tools
• 3:09
  that
• 3:09
  turn
• 3:09
  fear
• 3:10
  into
• 3:10
  confidence.
• 3:12
  See,
• 3:12
  people
• 3:12
  don't
• 3:13
  feel
• 3:13
  safer
• 3:13
  because
• 3:13
  they
• 3:14
  Know
• 3:14
  everything.
• 3:15
  They
• 3:15
  feel
• 3:16
  safer
• 3:16
  because
• 3:16
  they
• 3:17
  finally
• 3:17
  take
• 3:17
  control
• 3:17
  of
• 3:18
  something
• 3:19
  I'll
• 3:19
  never
• 3:19
  forget.
• 3:19
  I
• 3:20
  work
• 3:20
  with
• 3:20
  a
• 3:20
  client
• 3:20
  who
• 3:20
  used
• 3:21
  one
• 3:21
  password
• 3:21
  for
• 3:21
  everything.
• 3:22
  Now
• 3:22
  you're
• 3:22
  probably
• 3:22
  saying,
• 3:23
  ralph,
• 3:23
  that's
• 3:23
  me.
• 3:23
  Raise
• 3:24
  my
• 3:24
  hand,
• 3:24
  I
• 3:24
  do
• 3:24
  the
• 3:25
  same
• 3:25
  thing.
• 3:25
  Not
• 3:26
  a
• 3:26
  good
• 3:26
  idea.
• 3:27
  So
• 3:27
  with
• 3:27
  this
• 3:27
  client,
• 3:28
  I
• 3:28
  said,
• 3:28
  we
• 3:28
  got
• 3:28
  to
• 3:28
  stop
• 3:29
  this.
• 3:30
  I
• 3:30
  set
• 3:30
  him
• 3:30
  up
• 3:30
  with
• 3:30
  what's
• 3:30
  called
• 3:31
  a
• 3:31
  password
• 3:31
  manager.
• 3:32
  You
• 3:32
  can
• 3:32
  sign
• 3:32
  up
• 3:33
  for
• 3:33
  these
• 3:33
  services.
• 3:33
  I
• 3:34
  gave
• 3:34
  him
• 3:34
  some
• 3:34
  unique
• 3:35
  logins
• 3:35
  and
• 3:35
  we
• 3:35
  turned
• 3:36
  on
• 3:36
  two
• 3:36
  factor
• 3:36
  authentication
• 3:37
  for
• 3:38
  everything.
• 3:40
  And
• 3:40
  a
• 3:40
  few
• 3:40
  months
• 3:41
  later,
• 3:41
  I
• 3:41
  never
• 3:42
  forget
• 3:42
  this.
• 3:42
  He
• 3:42
  sent
• 3:42
  me
• 3:42
  an
• 3:43
  email.
• 3:43
  He
• 3:43
  said,
• 3:43
  ralph,
• 3:43
  a
• 3:44
  retailer
• 3:44
  that
• 3:44
  I
• 3:44
  use
• 3:45
  all
• 3:45
  the
• 3:45
  time
• 3:45
  was
• 3:45
  breached.
• 3:46
  Their
• 3:46
  store
• 3:47
  and
• 3:47
  login
• 3:47
  information
• 3:48
  was
• 3:48
  breached.
• 3:49
  But
• 3:49
  he
• 3:49
  says,
• 3:50
  ralph,
• 3:50
  guess
• 3:50
  what?
• 3:51
  I'm
• 3:51
  good.
• 3:52
  My
• 3:52
  bank
• 3:52
  is
• 3:53
  safe.
• 3:53
  My
• 3:53
  email
• 3:53
  is
• 3:54
  safe.
• 3:54
  My
• 3:54
  credit
• 3:54
  cards
• 3:55
  are
• 3:55
  safe.
• 3:55
  All
• 3:55
  untouched,
• 3:55
  Ralph,
• 3:56
  because
• 3:56
  one
• 3:56
  small
• 3:57
  change
• 3:57
  that
• 3:57
  you
• 3:57
  helped
• 3:58
  me
• 3:58
  make,
• 3:58
  it
• 3:58
  created
• 3:58
  a
• 3:59
  huge
• 3:59
  wall
• 3:59
  of
• 3:59
  protection
• 4:01
  and
• 4:01
  friend,
• 4:02
  that's
• 4:02
  how
• 4:02
  simple
• 4:02
  this
• 4:03
  can
• 4:03
  be.
• 4:04
  So
• 4:04
  here's
• 4:04
  the
• 4:04
  real
• 4:04
  question.
• 4:05
  How
• 4:05
  do
• 4:05
  you
• 4:05
  guard
• 4:05
  your
• 4:06
  financial
• 4:06
  life
• 4:06
  online
• 4:07
  without
• 4:07
  feeling
• 4:07
  overwhelmed,
• 4:08
  without
• 4:08
  feeling
• 4:09
  scared,
• 4:09
  or
• 4:09
  without
• 4:10
  feeling
• 4:10
  confused?
• 4:10
  Let
• 4:11
  me
• 4:11
  walk
• 4:11
  you
• 4:11
  through
• 4:11
  it.
• 4:11
  I've
• 4:12
  got
• 4:12
  four
• 4:12
  cyber
• 4:13
  habits
• 4:13
  that
• 4:13
  can
• 4:13
  actually
• 4:14
  build
• 4:14
  peace.
• 4:14
  Number
• 4:14
  one
• 4:15
  thing,
• 4:15
  I'm
• 4:15
  going
• 4:16
  to
• 4:16
  lean
• 4:16
  into
• 4:16
  what
• 4:16
  the
• 4:16
  experts
• 4:17
  are
• 4:17
  saying.
• 4:17
  Update
• 4:18
  your
• 4:18
  passwords,
• 4:19
  make
• 4:19
  them
• 4:19
  unique
• 4:20
  and
• 4:20
  long
• 4:20
  passwords,
• 4:21
  and
• 4:21
  dare
• 4:21
  I
• 4:21
  say,
• 4:21
  use
• 4:22
  a
• 4:22
  password
• 4:22
  manager.
• 4:23
  If
• 4:23
  you're
• 4:24
  using
• 4:24
  1Password
• 4:24
  for
• 4:25
  everything,
• 4:26
  think
• 4:26
  about
• 4:26
  it
• 4:26
  like
• 4:26
  this.
• 4:26
  If
• 4:27
  you've
• 4:27
  got
• 4:27
  one
• 4:27
  key
• 4:28
  that
• 4:28
  opens
• 4:29
  everything,
• 4:30
  opens
• 4:30
  your
• 4:30
  whole
• 4:31
  life.
• 4:31
  And
• 4:31
  that's
• 4:31
  not
• 4:32
  good.
• 4:32
  The
• 4:32
  better
• 4:32
  approach
• 4:32
  is
• 4:33
  to
• 4:33
  have
• 4:33
  long
• 4:33
  and
• 4:33
  unique
• 4:34
  passwords,
• 4:34
  not
• 4:34
  password
• 4:35
  1,
• 4:35
  2,
• 4:35
  3.
• 4:36
  Not
• 4:36
  a
• 4:36
  good
• 4:36
  one.
• 4:37
  But
• 4:37
  those
• 4:38
  long
• 4:38
  and
• 4:38
  unique
• 4:39
  passwords
• 4:39
  are
• 4:39
  the
• 4:39
  safest.
• 4:40
  Use
• 4:40
  a
• 4:40
  password
• 4:41
  manager.
• 4:41
  Because
• 4:41
  here's
• 4:42
  the
• 4:42
  benefit
• 4:42
  of
• 4:42
  a
• 4:42
  password
• 4:43
  manager.
• 4:43
  You
• 4:43
  can
• 4:43
  have
• 4:44
  a
• 4:44
  different
• 4:44
  password
• 4:44
  for
• 4:45
  every
• 4:45
  single
• 4:45
  thing.
• 4:45
  You
• 4:45
  don't
• 4:45
  have
• 4:46
  to
• 4:46
  memorize
• 4:46
  anything.
• 4:47
  Maybe
• 4:47
  you
• 4:47
  just
• 4:47
  have
• 4:48
  to
• 4:48
  memorize
• 4:48
  the
• 4:48
  one
• 4:48
  master
• 4:49
  password.
• 4:49
  Now
• 4:49
  that's
• 4:49
  one
• 4:49
  thing
• 4:50
  you
• 4:50
  got
• 4:50
  to
• 4:50
  memorize.
• 4:51
  Don't
• 4:51
  make
• 4:51
  it
• 4:51
  simple.
• 4:53
  And
• 4:53
  when
• 4:53
  you
• 4:54
  start
• 4:54
  to
• 4:54
  do
• 4:54
  this,
• 4:54
  don't
• 4:55
  feel
• 4:55
  like,
• 4:55
  oh,
• 4:55
  I've
• 4:55
  got
• 4:55
  to
• 4:55
  change
• 4:55
  everything.
• 4:56
  No,
• 4:56
  listen,
• 4:57
  use
• 4:57
  the
• 4:57
  most
• 4:58
  sensitive
• 4:58
  accounts
• 4:59
  first.
• 4:59
  Start
• 4:59
  with
• 4:59
  your
• 4:59
  bank.
• 5:00
  Go
• 5:01
  to
• 5:01
  your
• 5:01
  email.
• 5:01
  A
• 5:01
  lot
• 5:01
  of
• 5:01
  people
• 5:02
  don't
• 5:02
  think
• 5:02
  about
• 5:02
  your
• 5:02
  email
• 5:02
  password.
• 5:03
  That's
• 5:03
  a
• 5:03
  big
• 5:03
  one.
• 5:04
  Because
• 5:04
  a
• 5:04
  lot
• 5:05
  of
• 5:05
  people
• 5:05
  use
• 5:05
  authentication.
• 5:06
  They'll
• 5:07
  send
• 5:07
  you
• 5:07
  an
• 5:07
  email.
• 5:07
  Well,
• 5:08
  if
• 5:08
  your
• 5:08
  email
• 5:08
  has
• 5:08
  been
• 5:08
  hacked,
• 5:09
  you're
• 5:09
  in
• 5:09
  trouble.
• 5:10
  Another
• 5:10
  one
• 5:10
  heavy
• 5:11
  hitter.
• 5:11
  Check
• 5:11
  those
• 5:11
  credit
• 5:12
  cards.
• 5:13
  Just
• 5:13
  one
• 5:13
  small
• 5:14
  shift
• 5:14
  can
• 5:14
  give
• 5:14
  you
• 5:15
  the
• 5:15
  biggest
• 5:15
  immediate
• 5:15
  protection
• 5:16
  boost
• 5:16
  you
• 5:16
  want
• 5:16
  to
• 5:16
  boost.
• 5:17
  Do
• 5:17
  that
• 5:17
  second
• 5:17
  thing.
• 5:18
  Turn
• 5:19
  on
• 5:19
  two
• 5:19
  factor
• 5:19
  authentication
• 5:20
  for
• 5:20
  everything.
• 5:21
  Now
• 5:21
  listen,
• 5:21
  a
• 5:22
  lot
• 5:22
  of
• 5:22
  sites
• 5:22
  are
• 5:22
  making
• 5:22
  you
• 5:22
  do
• 5:23
  this,
• 5:23
  what
• 5:23
  I
• 5:23
  call
• 5:23
  the
• 5:23
  digital
• 5:24
  deadpool.
• 5:25
  Think
• 5:25
  of
• 5:25
  a
• 5:26
  big
• 5:26
  door,
• 5:26
  you
• 5:26
  got
• 5:27
  the
• 5:27
  regular
• 5:27
  lock,
• 5:27
  but
• 5:27
  man,
• 5:27
  you
• 5:28
  put
• 5:28
  that
• 5:28
  deadbolt,
• 5:28
  that
• 5:29
  puppy
• 5:29
  slides
• 5:29
  across
• 5:30
  and
• 5:30
  boom,
• 5:30
  you
• 5:30
  know
• 5:30
  it's
• 5:31
  safe.
• 5:32
  Those
• 5:32
  two
• 5:33
  factor
• 5:33
  authentications
• 5:34
  will
• 5:34
  block
• 5:34
  most
• 5:34
  quick
• 5:35
  hit
• 5:35
  attacks
• 5:35
  because
• 5:35
  listen,
• 5:36
  even
• 5:36
  if
• 5:36
  they
• 5:36
  get
• 5:36
  your
• 5:36
  password,
• 5:37
  that
• 5:38
  password
• 5:38
  leak
• 5:38
  like
• 5:38
  my
• 5:39
  friend
• 5:39
  talked
• 5:39
  about
• 5:39
  didn't
• 5:40
  matter
• 5:40
  because
• 5:41
  as
• 5:41
  soon
• 5:41
  as
• 5:41
  he
• 5:41
  got
• 5:41
  that
• 5:41
  text
• 5:42
  code,
• 5:42
  he
• 5:42
  looks
• 5:42
  at
• 5:42
  his
• 5:42
  phone
• 5:42
  and
• 5:42
  goes,
• 5:43
  oh
• 5:43
  no,
• 5:43
  not
• 5:43
  today.
• 5:45
  You
• 5:45
  can
• 5:45
  do
• 5:45
  that
• 5:45
  with
• 5:45
  text
• 5:45
  codes.
• 5:46
  You
• 5:46
  can
• 5:46
  do
• 5:46
  it
• 5:46
  with
• 5:46
  app
• 5:47
  codes.
• 5:47
  There's
• 5:47
  great
• 5:48
  authenticator
• 5:48
  apps,
• 5:49
  all
• 5:49
  of
• 5:49
  these
• 5:49
  work
• 5:49
  and
• 5:50
  guess
• 5:50
  what
• 5:50
  it
• 5:50
  does.
• 5:51
  It
• 5:51
  dramatically
• 5:51
  reduces
• 5:52
  anxiety
• 5:53
  because
• 5:53
  you
• 5:53
  know
• 5:54
  they're
• 5:54
  going
• 5:54
  to
• 5:54
  have
• 5:54
  to
• 5:54
  have
• 5:54
  that
• 5:55
  second
• 5:55
  piece.
• 5:56
  That
• 5:57
  one
• 5:57
  extra
• 5:57
  step
• 5:58
  now,
• 5:58
  we
• 5:58
  talked
• 5:58
  about
• 5:58
  this
• 5:59
  earlier,
• 5:59
  will
• 5:59
  save
• 6:00
  you
• 6:00
  thousands
• 6:01
  of
• 6:01
  steps
• 6:01
  later.
• 6:02
  Number
• 6:02
  three
• 6:03
  thing,
• 6:03
  and
• 6:03
  I
• 6:04
  can't
• 6:04
  stress
• 6:04
  this
• 6:04
  enough,
• 6:05
  monitor
• 6:05
  your
• 6:06
  credit
• 6:06
  and
• 6:06
  bank
• 6:06
  accounts.
• 6:07
  Set
• 6:07
  up
• 6:07
  alerts
• 6:08
  for
• 6:08
  those
• 6:08
  things.
• 6:08
  You
• 6:09
  don't
• 6:09
  have
• 6:09
  to
• 6:09
  be
• 6:09
  a
• 6:09
  tech
• 6:09
  expert,
• 6:11
  just
• 6:11
  be
• 6:11
  aware
• 6:11
  of
• 6:12
  what's
• 6:12
  going
• 6:12
  on.
• 6:12
  Just
• 6:13
  take
• 6:13
  a
• 6:13
  weekly
• 6:13
  glance
• 6:13
  to
• 6:14
  catch
• 6:14
  problems
• 6:14
  early.
• 6:14
  I
• 6:15
  don't
• 6:15
  know
• 6:15
  how
• 6:15
  many
• 6:15
  people
• 6:15
  don't
• 6:16
  look
• 6:16
  at
• 6:16
  their
• 6:16
  stuff.
• 6:16
  They
• 6:17
  don't
• 6:17
  log
• 6:17
  into
• 6:17
  their
• 6:17
  bank
• 6:18
  account.
• 6:18
  Now
• 6:18
  you
• 6:18
  can
• 6:18
  get
• 6:18
  a
• 6:18
  little
• 6:19
  crazy
• 6:19
  with
• 6:19
  it
• 6:19
  too.
• 6:19
  Like
• 6:19
  I've
• 6:20
  got
• 6:20
  people
• 6:20
  checking
• 6:20
  like
• 6:20
  three
• 6:20
  or
• 6:21
  four
• 6:21
  times
• 6:21
  a
• 6:21
  day.
• 6:22
  Set
• 6:22
  up
• 6:22
  alerts
• 6:23
  on
• 6:23
  your
• 6:23
  account.
• 6:23
  If
• 6:24
  a
• 6:24
  transaction
• 6:25
  is
• 6:25
  more
• 6:25
  than
• 6:25
  X
• 6:25
  number
• 6:25
  of
• 6:26
  dollars,
• 6:26
  you're
• 6:26
  like,
• 6:26
  ralph,
• 6:26
  I
• 6:26
  never
• 6:26
  spend
• 6:27
  that
• 6:27
  much.
• 6:27
  Set
• 6:27
  up
• 6:27
  the
• 6:27
  alert.
• 6:28
  You'll
• 6:28
  see
• 6:28
  it,
• 6:28
  you'll
• 6:28
  be
• 6:28
  able
• 6:28
  to
• 6:29
  do
• 6:29
  something
• 6:29
  about
• 6:29
  it.
• 6:29
  If
• 6:30
  you
• 6:30
  catch
• 6:30
  those
• 6:30
  problems
• 6:31
  early,
• 6:32
  you
• 6:32
  can
• 6:32
  avoid
• 6:33
  the
• 6:33
  pain
• 6:33
  later.
• 6:34
  Those
• 6:34
  alerts
• 6:35
  will
• 6:35
  help
• 6:35
  you
• 6:36
  find
• 6:36
  suspicious
• 6:36
  transactions.
• 6:38
  Watch
• 6:38
  the
• 6:38
  withdrawals,
• 6:39
  watch
• 6:39
  the
• 6:39
  transfers.
• 6:40
  But
• 6:41
  listen,
• 6:41
  check
• 6:41
  your
• 6:41
  credit,
• 6:42
  of
• 6:42
  course
• 6:42
  as
• 6:43
  well.
• 6:43
  I
• 6:43
  love
• 6:43
  credit
• 6:44
  monitoring.
• 6:44
  You
• 6:44
  don't
• 6:45
  to
• 6:45
  pay
• 6:45
  a
• 6:45
  lot
• 6:45
  of
• 6:45
  money
• 6:45
  for
• 6:45
  it.
• 6:45
  There's
• 6:46
  some
• 6:46
  great
• 6:46
  opportunities
• 6:46
  out
• 6:47
  there.
• 6:47
  But
• 6:48
  that
• 6:48
  awareness
• 6:48
  creates
• 6:49
  confidence.
• 6:49
  That's
• 6:49
  what
• 6:49
  we're
• 6:49
  really
• 6:50
  talking
• 6:50
  about
• 6:50
  today,
• 6:50
  awareness.
• 6:52
  And
• 6:52
  when
• 6:52
  you
• 6:52
  have
• 6:52
  confidence,
• 6:53
  it
• 6:53
  replaces
• 6:54
  fear
• 6:54
  with
• 6:54
  clarity.
• 6:56
  One
• 6:56
  more
• 6:57
  main
• 6:57
  takeaway.
• 6:58
  Share
• 6:58
  this
• 6:58
  with
• 6:58
  your
• 6:59
  folks.
• 6:59
  Share
• 6:59
  this
• 7:00
  with
• 7:00
  your
• 7:00
  grandparents.
• 7:01
  Share
• 7:01
  this
• 7:01
  with
• 7:01
  everybody.
• 7:02
  Slow
• 7:02
  down
• 7:02
  on
• 7:02
  those
• 7:02
  emails
• 7:03
  and
• 7:03
  links.
• 7:04
  So
• 7:04
  many
• 7:04
  people
• 7:04
  get
• 7:05
  jammed
• 7:05
  up
• 7:05
  on
• 7:05
  this
• 7:05
  and
• 7:05
  I've
• 7:05
  had
• 7:06
  it
• 7:06
  happen
• 7:06
  to
• 7:06
  me
• 7:06
  personally.
• 7:08
  Most
• 7:08
  scams
• 7:08
  don't
• 7:09
  hack
• 7:09
  your
• 7:09
  system,
• 7:10
  they
• 7:10
  hack
• 7:10
  your
• 7:11
  attention.
• 7:12
  They're
• 7:12
  not
• 7:13
  going
• 7:13
  into
• 7:13
  your
• 7:13
  computer
• 7:14
  and
• 7:14
  stealing
• 7:14
  your
• 7:14
  stuff
• 7:14
  from
• 7:15
  your
• 7:15
  phone
• 7:15
  or
• 7:15
  your
• 7:15
  iPad
• 7:16
  or
• 7:16
  whatever
• 7:16
  you've
• 7:17
  got.
• 7:18
  They
• 7:18
  hack
• 7:19
  your
• 7:19
  attention.
• 7:20
  And
• 7:20
  scams
• 7:21
  rely
• 7:21
  on
• 7:21
  urgency.
• 7:22
  If
• 7:22
  something
• 7:22
  says
• 7:22
  click
• 7:23
  now,
• 7:23
  as
• 7:23
  soon
• 7:24
  as
• 7:24
  I
• 7:24
  see
• 7:24
  click
• 7:24
  now.
• 7:25
  Not
• 7:25
  today,
• 7:26
  not
• 7:26
  today.
• 7:27
  Pause
• 7:28
  when
• 7:28
  you
• 7:28
  see
• 7:28
  that.
• 7:29
  Whenever
• 7:30
  you
• 7:30
  see
• 7:30
  click
• 7:31
  now,
• 7:31
  guess
• 7:31
  what
• 7:31
  that
• 7:32
  means?
• 7:32
  Stop.
• 7:33
  Red
• 7:33
  light,
• 7:34
  stop.
• 7:34
  Don't
• 7:35
  go
• 7:35
  any
• 7:35
  further.
• 7:35
  Do
• 7:36
  not
• 7:36
  pass
• 7:36
  go.
• 7:36
  Do
• 7:36
  not
• 7:37
  collect
• 7:37
  $200.
• 7:37
  If
• 7:37
  you
• 7:37
  play
• 7:38
  Monopoly,
• 7:38
  you
• 7:38
  get
• 7:38
  that.
• 7:38
  But
• 7:39
  that's
• 7:39
  what
• 7:39
  I'm
• 7:39
  talking
• 7:39
  about.
• 7:41
  Second
• 7:41
  thing
• 7:41
  you
• 7:41
  do,
• 7:41
  once
• 7:42
  you
• 7:42
  pause,
• 7:42
  check
• 7:43
  the
• 7:43
  sender's
• 7:43
  email
• 7:44
  address.
• 7:44
  Most
• 7:44
  of
• 7:44
  the
• 7:45
  time
• 7:45
  it's
• 7:45
  a
• 7:45
  dead
• 7:45
  giveaway.
• 7:46
  The
• 7:46
  email
• 7:46
  addresses
• 7:46
  don't
• 7:47
  quite
• 7:47
  make
• 7:47
  sense,
• 7:49
  but
• 7:49
  let's
• 7:49
  say
• 7:49
  you
• 7:49
  got
• 7:50
  a
• 7:50
  little
• 7:50
  bit
• 7:50
  of
• 7:50
  doubt,
• 7:50
  but
• 7:50
  you're
• 7:51
  like,
• 7:51
  maybe
• 7:51
  I
• 7:51
  need
• 7:51
  to
• 7:51
  do
• 7:51
  this.
• 7:52
  Call
• 7:52
  the
• 7:52
  company
• 7:52
  directly.
• 7:53
  Now
• 7:53
  listen,
• 7:53
  here's
• 7:53
  one.
• 7:54
  King,
• 7:54
  King,
• 7:55
  don't
• 7:55
  use
• 7:55
  the
• 7:55
  number.
• 7:55
  It's
• 7:56
  in
• 7:56
  the
• 7:56
  email.
• 7:56
  A
• 7:56
  lot
• 7:56
  of
• 7:56
  people
• 7:56
  say,
• 7:57
  well,
• 7:57
  I'm
• 7:57
  going
• 7:57
  to
• 7:57
  call
• 7:57
  this
• 7:58
  number
• 7:58
  in
• 7:58
  an
• 7:58
  email.
• 7:58
  Guess
• 7:58
  what?
• 7:58
  They've
• 7:59
  spoofed
• 7:59
  the
• 7:59
  number.
• 7:59
  Now
• 7:59
  you're
• 8:00
  done.
• 8:01
  Call
• 8:01
  the
• 8:01
  company
• 8:01
  directly.
• 8:02
  Go
• 8:02
  in
• 8:02
  the
• 8:03
  back
• 8:03
  of
• 8:03
  your
• 8:03
  credit
• 8:03
  card,
• 8:03
  go
• 8:03
  in
• 8:04
  your
• 8:04
  bank
• 8:04
  statement,
• 8:04
  find
• 8:04
  the
• 8:05
  phone
• 8:05
  number
• 8:05
  that
• 8:05
  they
• 8:05
  gave
• 8:06
  you
• 8:07
  and
• 8:07
  call
• 8:07
  that
• 8:07
  number
• 8:08
  and
• 8:08
  say,
• 8:08
  hey,
• 8:08
  is
• 8:09
  this
• 8:09
  you?
• 8:09
  Oh,
• 8:10
  great,
• 8:10
  you
• 8:10
  did
• 8:10
  want
• 8:10
  to
• 8:11
  get
• 8:11
  in
• 8:11
  touch
• 8:11
  with
• 8:11
  me.
• 8:11
  Fantastic.
• 8:13
  Because
• 8:13
  that
• 8:14
  wisdom
• 8:14
  protects
• 8:14
  what
• 8:14
  God
• 8:15
  has
• 8:15
  placed
• 8:15
  in
• 8:15
  your
• 8:15
  hands.
• 8:16
  God
• 8:16
  has
• 8:16
  given
• 8:16
  you
• 8:17
  so
• 8:17
  many
• 8:17
  things,
• 8:17
  but
• 8:17
  he
• 8:17
  wants
• 8:17
  you
• 8:18
  to
• 8:18
  protect
• 8:18
  it.
• 8:19
  Which
• 8:19
  leads
• 8:19
  me
• 8:19
  to
• 8:20
  Proverbs,
• 8:21
  chapter
• 8:21
  4,
• 8:21
  verse
• 8:22
  23.
• 8:23
  Now
• 8:24
  this
• 8:24
  is
• 8:24
  a
• 8:24
  stretch,
• 8:24
  but
• 8:24
  I'm
• 8:25
  going
• 8:25
  to
• 8:25
  take
• 8:25
  us
• 8:25
  there.
• 8:26
  Above
• 8:26
  all
• 8:26
  else,
• 8:27
  guard
• 8:27
  your
• 8:27
  heart
• 8:27
  well,
• 8:27
  let
• 8:28
  me
• 8:28
  say
• 8:28
  right
• 8:28
  now,
• 8:28
  today
• 8:29
  we
• 8:29
  want
• 8:29
  to
• 8:29
  guard
• 8:29
  our
• 8:30
  resources
• 8:30
  that
• 8:30
  God
• 8:31
  has
• 8:31
  entrusted
• 8:31
  to
• 8:31
  us
• 8:31
  as
• 8:32
  well
• 8:32
  so
• 8:32
  we
• 8:32
  don't
• 8:32
  have
• 8:32
  heartbreak.
• 8:34
  How
• 8:34
  about
• 8:34
  we
• 8:34
  pray
• 8:35
  together,
• 8:35
  Lord,
• 8:35
  we
• 8:36
  just
• 8:36
  ask
• 8:36
  that
• 8:36
  you
• 8:36
  would
• 8:37
  give
• 8:37
  us
• 8:37
  wisdom
• 8:37
  and
• 8:38
  diligence
• 8:38
  with
• 8:39
  our
• 8:39
  digital
• 8:39
  lives,
• 8:40
  Lord.
• 8:41
  Help
• 8:41
  protect
• 8:41
  me
• 8:42
  and
• 8:42
  my
• 8:42
  family
• 8:42
  from
• 8:42
  fraud
• 8:43
  and
• 8:43
  confusion
• 8:44
  and
• 8:44
  that
• 8:44
  anticipation,
• 8:45
  that
• 8:45
  anxiety
• 8:46
  comes
• 8:46
  with
• 8:46
  that.
• 8:47
  No.
• 8:47
  Help
• 8:47
  us
• 8:47
  not
• 8:47
  to
• 8:47
  live
• 8:48
  in
• 8:48
  fear,
• 8:48
  Lord.
• 8:48
  Give
• 8:48
  us
• 8:49
  peace
• 8:49
  as
• 8:49
  we
• 8:49
  take
• 8:50
  small
• 8:50
  steps
• 8:50
  towards
• 8:51
  better
• 8:51
  security.
• 8:51
  We
• 8:52
  ask
• 8:52
  this
• 8:52
  in
• 8:52
  the
• 8:52
  name
• 8:53
  of
• 8:53
  Jesus.
• 8:54
  Amen.
• 8:54
  Okay,
• 8:55
  I
• 8:55
  got
• 8:55
  a
• 8:55
  super
• 8:55
  simple
• 8:56
  action
• 8:56
  item
• 8:56
  for
• 8:57
  you
• 8:57
  today.
• 8:57
  Just
• 8:57
  one
• 8:57
  thing
• 8:57
  I
• 8:58
  want
• 8:58
  you
• 8:58
  to
• 8:58
  do.
• 8:58
  I
• 8:58
  want
• 8:59
  you
• 8:59
  to
• 8:59
  update
• 8:59
  one
• 9:00
  major
• 9:00
  password
• 9:01
  today,
• 9:01
  whether
• 9:01
  it
• 9:01
  be
• 9:01
  your
• 9:01
  bank,
• 9:02
  your
• 9:02
  credit
• 9:03
  card,
• 9:03
  your
• 9:04
  email.
• 9:05
  Just
• 9:05
  one
• 9:05
  of
• 9:05
  those.
• 9:05
  Turn
• 9:06
  on
• 9:06
  that.
• 9:06
  Multi
• 9:06
  factor
• 9:07
  authentication.
• 9:07
  If
• 9:07
  you
• 9:08
  need
• 9:08
  somebody
• 9:08
  to
• 9:08
  help
• 9:08
  you
• 9:08
  reach
• 9:09
  out
• 9:09
  to
• 9:09
  your
• 9:09
  younger
• 9:10
  people
• 9:10
  in
• 9:10
  your
• 9:10
  life,
• 9:10
  they
• 9:10
  can
• 9:10
  help
• 9:11
  you
• 9:11
  with
• 9:11
  this.
• 9:12
  But
• 9:12
  that
• 9:12
  one
• 9:12
  small
• 9:13
  choice
• 9:13
  provides
• 9:13
  the
• 9:13
  biggest
• 9:14
  protection
• 9:14
  with
• 9:15
  the
• 9:15
  smallest
• 9:15
  effort.
• 9:15
  It
• 9:16
  takes
• 9:16
  almost
• 9:16
  no
• 9:16
  effort.
• 9:17
  And
• 9:17
  while
• 9:17
  we're
• 9:18
  talking
• 9:18
  about
• 9:18
  effort,
• 9:18
  I
• 9:18
  want
• 9:18
  to
• 9:19
  invite
• 9:19
  you
• 9:19
  right
• 9:19
  now
• 9:19
  to
• 9:19
  join
• 9:20
  our
• 9:20
  insider
• 9:21
  financially
• 9:21
  covenant
• 9:22
  Christian
• 9:22
  community.
• 9:23
  It's
• 9:23
  a
• 9:23
  safe
• 9:23
  place
• 9:24
  to
• 9:24
  ask
• 9:24
  questions
• 9:24
  without
• 9:25
  embarrassment.
• 9:25
  We
• 9:26
  give
• 9:26
  you
• 9:26
  practical
• 9:26
  and
• 9:27
  spiritual
• 9:27
  stewardship
• 9:27
  support.
• 9:28
  Hey,
• 9:28
  we
• 9:28
  can
• 9:28
  talk
• 9:28
  about
• 9:28
  tech
• 9:29
  support
• 9:29
  if
• 9:29
  you
• 9:29
  want,
• 9:29
  a
• 9:29
  little
• 9:30
  bit
• 9:30
  of
• 9:30
  cyber
• 9:30
  security.
• 9:31
  But
• 9:32
  as
• 9:32
  more
• 9:32
  people
• 9:32
  join,
• 9:32
  we're
• 9:33
  going
• 9:33
  to
• 9:33
  be
• 9:33
  adding
• 9:33
  more
• 9:33
  resources,
• 9:34
  more
• 9:34
  tools
• 9:34
  and
• 9:35
  support
• 9:35
  and
• 9:36
  now's
• 9:36
  the
• 9:36
  perfect
• 9:36
  time
• 9:36
  to
• 9:37
  be
• 9:37
  part
• 9:37
  of
• 9:37
  the
• 9:37
  community
• 9:37
  as
• 9:37
  it
• 9:38
  grows.
• 9:38
  You
• 9:38
  can
• 9:38
  be
• 9:38
  one
• 9:38
  of
• 9:38
  the
• 9:39
  foundational
• 9:39
  people.
• 9:40
  You
• 9:40
  don't
• 9:41
  have
• 9:41
  to
• 9:41
  navigate
• 9:41
  this
• 9:41
  digital
• 9:42
  world
• 9:42
  alone.
• 9:43
  Come
• 9:43
  grow
• 9:43
  with
• 9:43
  us.
• 9:44
  Go
• 9:44
  to
• 9:44
  financiallyconfidentchristian.com/join
• 9:47
  again.
• 9:47
  That's
• 9:47
  financiallyconfidentchristian.com/Join.
• 9:51
  You
• 9:52
  don't
• 9:52
  have
• 9:52
  to
• 9:52
  fear
• 9:52
  the
• 9:52
  digital
• 9:53
  world.
• 9:54
  As
• 9:54
  I
• 9:54
  said
• 9:54
  today,
• 9:54
  with
• 9:55
  a
• 9:55
  few
• 9:55
  wise
• 9:55
  and
• 9:55
  simple
• 9:56
  habits,
• 9:56
  you
• 9:56
  can
• 9:56
  protect
• 9:57
  what
• 9:57
  God
• 9:57
  has
• 9:57
  entrusted
• 9:58
  to
• 9:58
  you
• 9:58
  and
• 9:59
  truly
• 9:59
  walk
• 9:59
  in
• 9:59
  peace
• 10:00
  instead
• 10:00
  of
• 10:00
  panic.
• 10:01
  Because
• 10:02
  as
• 10:02
  I
• 10:02
  said,
• 10:02
  stewardship
• 10:03
  isn't
• 10:03
  just
• 10:03
  about
• 10:04
  giving
• 10:04
  or
• 10:04
  budgeting.
• 10:05
  It's
• 10:05
  guarding
• 10:06
  your
• 10:06
  financial
• 10:06
  life
• 10:06
  both
• 10:07
  offline
• 10:07
  and
• 10:08
  online.
• 10:08
  You
• 10:09
  can
• 10:09
  do
• 10:09
  this.
• 10:10
  Go
• 10:10
  out
• 10:10
  there
• 10:10
  today
• 10:10
  and
• 10:11
  be
• 10:11
  a
• 10:11
  financially
• 10:11
  confident
• 10:12
  Christian.
• 10:12
  Trust
• 10:13
  me,
• 10:13
  you
• 10:13
  can
• 10:13
  handle
• 10:13
  this.
• 10:14
  You
• 10:14
  don't
• 10:14
  have
• 10:14
  to
• 10:14
  be
• 10:14
  a
• 10:15
  tech
• 10:15
  expert.
• 10:15
  Just
• 10:15
  a
• 10:15
  couple
• 10:16
  of
• 10:16
  things.
• 10:17
  Stay
• 10:17
  financially
• 10:17
  savvy,
• 10:18
  stay
• 10:18
  cyber
• 10:19
  savvy
• 10:19
  today.
• 10:20
  God
• 10:20
  bless
• 10:20
  you
• 10:21
  and
• 10:21
  I'll
• 10:21
  see
• 10:21
  you
• 10:21
  again
• 10:21
  on
• 10:21
  tomorrow's
• 10:22
  show.