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Understanding Risk vs. Reward: How Much is Right for You? · Becoming Financially Confident

• 0:37
  Got
• 0:37
  a
• 0:38
  great
• 0:38
  question
• 0:38
  yesterday
• 0:39
  that
• 0:39
  I
• 0:39
  just
• 0:39
  had
• 0:39
  to
• 0:39
  answer
• 0:40
  on
• 0:40
  today's
• 0:40
  show.
• 0:41
  Ralph,
• 0:42
  I
• 0:42
  get
• 0:42
  that
• 0:42
  investing
• 0:43
  can
• 0:43
  grow
• 0:43
  money,
• 0:44
  but
• 0:44
  the
• 0:44
  risk
• 0:45
  makes
• 0:45
  me
• 0:45
  nervous.
• 0:46
  How
• 0:46
  do
• 0:47
  I
• 0:47
  know
• 0:47
  how
• 0:47
  much
• 0:47
  risk
• 0:47
  is
• 0:48
  right
• 0:48
  for
• 0:48
  me?
• 0:49
  What
• 0:49
  a
• 0:49
  great
• 0:49
  question.
• 0:50
  Question
• 0:50
  I
• 0:51
  hear
• 0:51
  at
• 0:51
  least
• 0:51
  once
• 0:51
  or
• 0:52
  twice
• 0:52
  a
• 0:52
  week
• 0:53
  and
• 0:53
  it's
• 0:53
  a
• 0:53
  question
• 0:53
  I
• 0:53
  want
• 0:54
  to
• 0:54
  answer
• 0:54
  today
• 0:54
  because
• 0:55
  maybe
• 0:55
  you're
• 0:55
  listening
• 0:56
  or
• 0:56
  you're
• 0:56
  watching
• 0:56
  right
• 0:56
  now
• 0:57
  and
• 0:57
  you're
• 0:57
  wondering
• 0:58
  that
• 0:58
  very
• 0:58
  same
• 0:58
  thing.
• 0:59
  This
• 1:00
  market
• 1:00
  makes
• 1:00
  me
• 1:00
  nervous,
• 1:01
  Ralph.
• 1:01
  You're
• 1:01
  talking
• 1:01
  about
• 1:01
  investing
• 1:02
  all
• 1:02
  month,
• 1:03
  but
• 1:03
  this
• 1:03
  makes
• 1:03
  me
• 1:04
  nervous.
• 1:05
  So
• 1:05
  here's
• 1:05
  my
• 1:05
  promise
• 1:05
  for
• 1:06
  you
• 1:06
  today.
• 1:06
  Today
• 1:06
  I'm
• 1:07
  going
• 1:07
  to
• 1:07
  teach
• 1:07
  you
• 1:07
  why
• 1:07
  risk
• 1:08
  and
• 1:08
  reward
• 1:08
  always
• 1:09
  go
• 1:09
  hand
• 1:09
  in
• 1:09
  hand.
• 1:10
  I'm
• 1:10
  going
• 1:10
  to
• 1:10
  show
• 1:11
  you
• 1:11
  how
• 1:11
  to
• 1:11
  balance
• 1:11
  risk
• 1:12
  with
• 1:12
  your
• 1:12
  goals
• 1:13
  and
• 1:13
  peace
• 1:13
  of
• 1:13
  mind.
• 1:14
  And
• 1:14
  last
• 1:15
  but
• 1:15
  not
• 1:15
  least,
• 1:15
  I'm
• 1:16
  going
• 1:16
  to
• 1:16
  show
• 1:16
  you
• 1:16
  how
• 1:16
  to
• 1:17
  approach
• 1:17
  investing
• 1:17
  with
• 1:18
  wisdom
• 1:18
  and
• 1:19
  not
• 1:19
  fear.
• 1:19
  It's
• 1:19
  going
• 1:19
  to
• 1:19
  be
• 1:20
  a
• 1:20
  truly
• 1:20
  great
• 1:20
  show
• 1:21
  today.
• 1:23
  This
• 1:23
  is
• 1:23
  Financially
• 1:24
  Confident
• 1:24
  Christian,
• 1:25
  your
• 1:25
  daily
• 1:26
  dose
• 1:26
  of
• 1:26
  gospel,
• 1:27
  grounded
• 1:27
  insight
• 1:28
  and
• 1:28
  faith
• 1:28
  driven
• 1:28
  tips
• 1:29
  to
• 1:29
  help
• 1:29
  you
• 1:30
  break
• 1:30
  the
• 1:30
  cycle
• 1:30
  of
• 1:30
  financial
• 1:31
  shame
• 1:31
  with
• 1:31
  confidence.
• 1:34
  Hi
• 1:34
  there,
• 1:35
  welcome.
• 1:35
  My
• 1:35
  name
• 1:35
  is
• 1:36
  Ralph.
• 1:36
  Thank
• 1:36
  you
• 1:36
  for
• 1:36
  joining
• 1:37
  me
• 1:37
  on
• 1:37
  another
• 1:37
  daily
• 1:38
  episode
• 1:38
  of
• 1:38
  Financially
• 1:39
  Confident
• 1:39
  Christian.
• 1:40
  Now,
• 1:40
  if
• 1:41
  you
• 1:41
  missed
• 1:41
  yesterday's
• 1:41
  episode,
• 1:42
  we
• 1:42
  talked
• 1:42
  about
• 1:43
  how
• 1:43
  investing
• 1:43
  is
• 1:44
  not
• 1:44
  just
• 1:44
  for
• 1:44
  the
• 1:44
  rich
• 1:45
  and
• 1:45
  you
• 1:45
  could
• 1:45
  start
• 1:46
  with
• 1:46
  as
• 1:46
  little
• 1:46
  as
• 1:46
  $25.
• 1:48
  If
• 1:48
  you
• 1:48
  have
• 1:48
  missed
• 1:48
  yesterday's
• 1:49
  show
• 1:49
  or
• 1:49
  you
• 1:49
  missed
• 1:49
  any
• 1:49
  of
• 1:49
  our
• 1:49
  shows
• 1:50
  in
• 1:50
  this
• 1:50
  series,
• 1:50
  you
• 1:51
  can
• 1:51
  find
• 1:51
  all
• 1:51
  of
• 1:51
  our
• 1:51
  shows
• 1:52
  at
• 1:52
  our
• 1:52
  website.
• 1:53
  That's
• 1:53
  financiallyconfidentchristian.com
• 1:56
  as
• 1:57
  an
• 1:57
  accountant
• 1:57
  and
• 1:58
  a
• 1:58
  coach,
• 1:58
  I've
• 1:58
  worked
• 1:59
  with
• 1:59
  people
• 1:59
  over
• 1:59
  30
• 2:00
  years
• 2:01
  and
• 2:01
  I've
• 2:01
  walked
• 2:01
  alongside
• 2:02
  of
• 2:02
  people
• 2:02
  who
• 2:02
  froze
• 2:03
  up
• 2:03
  because
• 2:03
  of
• 2:03
  fear,
• 2:03
  especially
• 2:04
  when
• 2:04
  it
• 2:04
  comes
• 2:05
  into
• 2:05
  investing.
• 2:06
  Then
• 2:07
  I've
• 2:07
  also
• 2:07
  worked
• 2:07
  with
• 2:07
  people.
• 2:08
  Man,
• 2:08
  they
• 2:08
  just
• 2:08
  jumped
• 2:09
  in
• 2:09
  the
• 2:09
  pool
• 2:10
  completely
• 2:10
  recklessly.
• 2:11
  Kind
• 2:11
  of
• 2:11
  like
• 2:11
  we
• 2:11
  talked
• 2:11
  about
• 2:12
  yesterday.
• 2:12
  Are
• 2:12
  they
• 2:13
  throwing
• 2:13
  that
• 2:13
  money
• 2:13
  in
• 2:13
  a
• 2:14
  market
• 2:14
  as
• 2:14
  a
• 2:14
  gamble?
• 2:15
  And
• 2:16
  here's
• 2:16
  a
• 2:16
  brutal
• 2:16
  truth.
• 2:17
  In
• 2:17
  my
• 2:17
  experience,
• 2:18
  neither
• 2:19
  of
• 2:19
  those
• 2:19
  extremes
• 2:20
  really
• 2:20
  works.
• 2:21
  It's
• 2:21
  all
• 2:21
  about
• 2:22
  finding
• 2:22
  balance.
• 2:23
  When
• 2:23
  you
• 2:24
  can
• 2:24
  find
• 2:24
  that
• 2:24
  balance,
• 2:25
  that's
• 2:25
  when
• 2:25
  confidence
• 2:26
  grows.
• 2:26
  And
• 2:26
  that's
• 2:26
  really
• 2:27
  the
• 2:27
  big
• 2:27
  takeaway
• 2:27
  from
• 2:27
  today's
• 2:28
  show.
• 2:28
  Let's
• 2:29
  talk
• 2:29
  about
• 2:29
  how
• 2:29
  to
• 2:29
  find
• 2:29
  that
• 2:30
  balance.
• 2:30
  Because
• 2:31
  once
• 2:31
  you
• 2:31
  find
• 2:31
  that
• 2:31
  balance,
• 2:32
  you
• 2:32
  truly
• 2:33
  can
• 2:33
  have
• 2:33
  peace
• 2:34
  in
• 2:34
  investing.
• 2:35
  Tell
• 2:36
  you
• 2:36
  about
• 2:36
  a
• 2:36
  young
• 2:36
  couple
• 2:37
  that
• 2:37
  I
• 2:37
  work
• 2:37
  with.
• 2:38
  They
• 2:38
  came
• 2:38
  in
• 2:38
  and
• 2:38
  sat
• 2:39
  down
• 2:39
  with
• 2:39
  me.
• 2:39
  They
• 2:40
  were
• 2:40
  really
• 2:40
  getting
• 2:40
  themselves
• 2:41
  started
• 2:41
  in
• 2:41
  life.
• 2:42
  They
• 2:42
  had
• 2:42
  just
• 2:42
  gotten
• 2:42
  married
• 2:43
  and
• 2:43
  they
• 2:43
  said,
• 2:44
  Ralph,
• 2:44
  we
• 2:44
  really
• 2:44
  want
• 2:44
  to
• 2:44
  get
• 2:45
  some
• 2:45
  ideas
• 2:45
  for
• 2:45
  investing.
• 2:46
  And
• 2:46
  I
• 2:47
  said,
• 2:47
  that's
• 2:47
  great.
• 2:47
  I'm
• 2:48
  so
• 2:48
  happy
• 2:48
  that
• 2:48
  you're
• 2:48
  energetic
• 2:49
  about
• 2:49
  that.
• 2:50
  Next
• 2:50
  thing
• 2:50
  you
• 2:51
  know,
• 2:51
  the
• 2:51
  husband
• 2:51
  says
• 2:51
  to
• 2:51
  me,
• 2:51
  Ralph,
• 2:52
  I
• 2:52
  keep
• 2:52
  hearing
• 2:52
  stories
• 2:53
  from
• 2:53
  friends
• 2:53
  at
• 2:54
  work
• 2:54
  to
• 2:54
  tell
• 2:54
  me
• 2:54
  about
• 2:54
  these
• 2:54
  things
• 2:55
  that
• 2:55
  are
• 2:55
  growing,
• 2:55
  they're
• 2:55
  doubling
• 2:56
  overnight,
• 2:56
  Ralph.
• 2:57
  And
• 2:57
  we
• 2:57
  want
• 2:57
  to
• 2:58
  get
• 2:58
  involved
• 2:58
  in
• 2:58
  that.
• 2:58
  This
• 2:58
  is
• 2:58
  what
• 2:59
  we
• 2:59
  want
• 2:59
  to
• 2:59
  do.
• 3:00
  And
• 3:00
  I
• 3:00
  said,
• 3:00
  well,
• 3:00
  hold
• 3:01
  on
• 3:01
  a
• 3:01
  second.
• 3:01
  Let's
• 3:01
  talk
• 3:02
  about
• 3:02
  risk.
• 3:02
  Let's
• 3:03
  talk
• 3:03
  about
• 3:03
  reward.
• 3:03
  I'm
• 3:03
  going
• 3:03
  to
• 3:03
  talk
• 3:04
  about
• 3:04
  that
• 3:04
  a
• 3:04
  little
• 3:04
  bit
• 3:04
  in
• 3:04
  a
• 3:04
  second.
• 3:05
  But
• 3:05
  I
• 3:06
  sat
• 3:06
  down
• 3:06
  with
• 3:06
  this
• 3:06
  couple
• 3:06
  and
• 3:06
  I
• 3:07
  said,
• 3:07
  let's
• 3:07
  talk
• 3:07
  about
• 3:07
  this.
• 3:07
  Let's.
• 3:08
  Let's
• 3:08
  kind
• 3:08
  of
• 3:08
  hash
• 3:09
  this
• 3:09
  out
• 3:09
  a
• 3:09
  little
• 3:09
  bit.
• 3:10
  Well,
• 3:10
  this
• 3:11
  guy
• 3:11
  did
• 3:11
  not
• 3:11
  want
• 3:11
  to
• 3:12
  hear
• 3:12
  what
• 3:12
  I
• 3:12
  had
• 3:12
  to
• 3:12
  say.
• 3:13
  He
• 3:13
  said,
• 3:14
  Ralph,
• 3:14
  listen,
• 3:14
  I
• 3:14
  can't
• 3:15
  afford
• 3:15
  not
• 3:15
  to
• 3:15
  take
• 3:15
  this
• 3:16
  risk.
• 3:16
  This
• 3:16
  is
• 3:16
  a
• 3:16
  sure
• 3:17
  thing.
• 3:17
  Made
• 3:17
  me
• 3:17
  think
• 3:18
  of
• 3:18
  going
• 3:18
  to
• 3:18
  the
• 3:18
  racetrack.
• 3:19
  This
• 3:20
  horse
• 3:20
  is
• 3:20
  a
• 3:20
  sure
• 3:21
  bet.
• 3:22
  Well,
• 3:22
  fast
• 3:22
  forward
• 3:23
  a
• 3:23
  little
• 3:23
  bit,
• 3:23
  because
• 3:24
  then
• 3:24
  the
• 3:24
  market
• 3:24
  dropped.
• 3:25
  And
• 3:25
  I
• 3:25
  remember
• 3:26
  the
• 3:26
  wife
• 3:26
  called
• 3:26
  me.
• 3:26
  She
• 3:27
  was
• 3:27
  completely
• 3:28
  in
• 3:28
  panic.
• 3:29
  She
• 3:29
  says,
• 3:29
  my
• 3:29
  husband
• 3:30
  just
• 3:30
  sold
• 3:30
  all
• 3:30
  the
• 3:31
  stock
• 3:32
  and
• 3:32
  they
• 3:33
  lost
• 3:33
  more
• 3:33
  than
• 3:33
  they
• 3:34
  ever
• 3:34
  would
• 3:34
  have
• 3:34
  imagined.
• 3:35
  They
• 3:35
  lost
• 3:36
  more
• 3:36
  even
• 3:36
  if
• 3:36
  they
• 3:36
  had
• 3:36
  just
• 3:36
  stayed
• 3:37
  in
• 3:37
  the
• 3:37
  market
• 3:38
  and
• 3:39
  they
• 3:39
  learned
• 3:39
  a
• 3:39
  valuable
• 3:40
  lesson.
• 3:40
  And
• 3:40
  I
• 3:40
  want
• 3:40
  to
• 3:40
  share
• 3:40
  that
• 3:41
  lesson
• 3:41
  with
• 3:41
  you
• 3:41
  today.
• 3:42
  It
• 3:43
  wasn't
• 3:43
  about
• 3:43
  the
• 3:43
  market.
• 3:44
  See,
• 3:44
  the
• 3:44
  market
• 3:44
  will
• 3:45
  come
• 3:45
  and
• 3:45
  go.
• 3:45
  The
• 3:45
  market
• 3:46
  will
• 3:46
  ebb
• 3:46
  and
• 3:46
  flow.
• 3:47
  That's
• 3:48
  not
• 3:48
  what
• 3:48
  the
• 3:48
  issue
• 3:49
  was
• 3:49
  with
• 3:49
  this
• 3:49
  young
• 3:49
  couple.
• 3:50
  That
• 3:50
  may
• 3:50
  not
• 3:50
  be
• 3:50
  the
• 3:50
  issue
• 3:50
  that
• 3:51
  you've
• 3:51
  experienced
• 3:51
  if
• 3:51
  you've
• 3:52
  tried
• 3:52
  investing.
• 3:52
  So.
• 3:53
  So
• 3:53
  many
• 3:53
  people
• 3:53
  have
• 3:54
  tapped
• 3:54
  their
• 3:54
  toe
• 3:54
  into
• 3:55
  the
• 3:55
  water
• 3:55
  and
• 3:56
  they
• 3:56
  felt
• 3:56
  that
• 3:56
  water's
• 3:57
  pretty
• 3:57
  cold,
• 3:57
  Ralph.
• 3:57
  I'm
• 3:58
  not
• 3:58
  going
• 3:58
  there
• 3:58
  again.
• 3:59
  But
• 4:00
  it's
• 4:00
  all
• 4:00
  about
• 4:01
  knowing
• 4:01
  your
• 4:01
  comfort
• 4:02
  level.
• 4:03
  And
• 4:03
  friend,
• 4:04
  as
• 4:04
  I
• 4:04
  said
• 4:04
  before,
• 4:05
  knowing
• 4:05
  your
• 4:05
  balance
• 4:06
  is
• 4:06
  really
• 4:06
  everything.
• 4:08
  So
• 4:08
  here's
• 4:08
  the
• 4:08
  thing
• 4:09
  I
• 4:09
  want
• 4:09
  to
• 4:09
  start
• 4:09
  off.
• 4:09
  First
• 4:10
  thing
• 4:10
  you've
• 4:10
  got
• 4:10
  to
• 4:10
  understand,
• 4:11
  risk
• 4:12
  and
• 4:12
  reward
• 4:12
  are
• 4:13
  always
• 4:13
  connected.
• 4:14
  That
• 4:14
  is
• 4:14
  just
• 4:14
  the
• 4:15
  truism
• 4:15
  of
• 4:15
  investments.
• 4:16
  If
• 4:16
  there's
• 4:17
  low
• 4:17
  risk,
• 4:17
  there's
• 4:18
  going
• 4:18
  to
• 4:18
  be
• 4:18
  low
• 4:18
  reward.
• 4:19
  Think
• 4:19
  of
• 4:19
  savings
• 4:20
  accounts.
• 4:20
  There
• 4:21
  is
• 4:21
  absolutely
• 4:22
  zero
• 4:22
  risk.
• 4:22
  Now,
• 4:22
  of
• 4:22
  course,
• 4:22
  there's
• 4:23
  the
• 4:23
  risk
• 4:23
  that
• 4:23
  your
• 4:23
  bank
• 4:24
  could
• 4:24
  go
• 4:24
  under
• 4:24
  if
• 4:24
  you
• 4:24
  got
• 4:25
  more
• 4:25
  than
• 4:25
  a
• 4:25
  certain
• 4:25
  amount
• 4:25
  of
• 4:26
  money.
• 4:26
  But
• 4:26
  generally
• 4:27
  there's
• 4:27
  no
• 4:27
  risk.
• 4:28
  Same
• 4:28
  thing
• 4:28
  with
• 4:28
  government
• 4:29
  bonds.
• 4:30
  Most
• 4:30
  people
• 4:30
  think
• 4:30
  that
• 4:30
  the
• 4:31
  United
• 4:31
  States
• 4:31
  is
• 4:31
  going
• 4:31
  to
• 4:32
  continue
• 4:32
  on.
• 4:32
  So
• 4:33
  government
• 4:33
  bonds
• 4:34
  have
• 4:34
  low
• 4:34
  risk,
• 4:34
  but
• 4:35
  the
• 4:35
  problem
• 4:35
  with
• 4:35
  that
• 4:35
  is
• 4:36
  they
• 4:36
  also
• 4:36
  have
• 4:37
  low
• 4:37
  reward.
• 4:38
  Well,
• 4:38
  the
• 4:38
  opposite
• 4:39
  is
• 4:39
  true
• 4:39
  as
• 4:39
  well.
• 4:40
  If
• 4:40
  you
• 4:40
  want
• 4:41
  to
• 4:41
  take
• 4:41
  high
• 4:41
  risk,
• 4:42
  sure,
• 4:42
  there's
• 4:42
  a
• 4:42
  potential,
• 4:43
  and
• 4:43
  I
• 4:43
  use
• 4:43
  the
• 4:43
  word
• 4:44
  potential
• 4:44
  because
• 4:44
  we
• 4:44
  got
• 4:44
  to
• 4:44
  be
• 4:44
  careful
• 4:45
  about
• 4:45
  this.
• 4:46
  When
• 4:46
  you
• 4:46
  take
• 4:47
  that
• 4:47
  high
• 4:47
  risk,
• 4:47
  there
• 4:48
  is
• 4:48
  a
• 4:48
  potential
• 4:48
  for
• 4:49
  higher
• 4:49
  rewards.
• 4:50
  And
• 4:50
  think
• 4:51
  stocks.
• 4:51
  Think
• 4:52
  real
• 4:52
  estate,
• 4:52
  speculative
• 4:53
  real
• 4:53
  estate
• 4:53
  investments
• 4:54
  or
• 4:54
  business
• 4:55
  ventures.
• 4:56
  But
• 4:56
  here's
• 4:57
  the
• 4:57
  brutal
• 4:57
  truth
• 4:57
  we
• 4:58
  got
• 4:58
  to
• 4:58
  start
• 4:58
  with,
• 4:59
  you
• 4:59
  can't
• 4:59
  separate
• 5:00
  the
• 5:00
  two.
• 5:01
  There
• 5:01
  are
• 5:01
  no
• 5:01
  low
• 5:02
  risk,
• 5:02
  great
• 5:02
  reward
• 5:03
  or
• 5:04
  high
• 5:04
  risk,
• 5:05
  low
• 5:05
  reward
• 5:05
  things.
• 5:05
  They
• 5:06
  just
• 5:06
  don't
• 5:06
  exist.
• 5:06
  So
• 5:06
  you
• 5:06
  got
• 5:07
  to
• 5:07
  start
• 5:07
  off
• 5:07
  with
• 5:07
  that
• 5:08
  basic
• 5:08
  understanding.
• 5:09
  Those
• 5:10
  two
• 5:10
  go
• 5:10
  hand
• 5:11
  in
• 5:11
  hand.
• 5:12
  Low
• 5:12
  risk,
• 5:12
  low
• 5:13
  reward,
• 5:13
  high
• 5:13
  risk,
• 5:14
  high
• 5:14
  reward.
• 5:15
  You
• 5:15
  may
• 5:15
  be
• 5:15
  saying,
• 5:15
  okay,
• 5:16
  how
• 5:16
  do
• 5:16
  I
• 5:16
  make
• 5:16
  a
• 5:16
  decision?
• 5:17
  Well,
• 5:18
  here's
• 5:18
  the
• 5:18
  thing
• 5:18
  I
• 5:18
  want
• 5:18
  to
• 5:19
  tell
• 5:19
  you
• 5:19
  right
• 5:19
  now.
• 5:19
  So
• 5:19
  many
• 5:19
  people
• 5:20
  think,
• 5:20
  well,
• 5:20
  I'm
• 5:20
  going
• 5:20
  to
• 5:20
  go
• 5:21
  listen
• 5:21
  to
• 5:21
  this
• 5:21
  financial
• 5:21
  guru
• 5:22
  because
• 5:22
  he's
• 5:23
  going
• 5:23
  to
• 5:23
  have
• 5:23
  the
• 5:23
  right
• 5:23
  answer.
• 5:24
  Well,
• 5:24
  guess
• 5:25
  what?
• 5:25
  I've
• 5:25
  been
• 5:25
  doing
• 5:25
  this
• 5:25
  for
• 5:26
  30
• 5:26
  years
• 5:26
  and
• 5:27
  I
• 5:27
  wish
• 5:27
  I
• 5:27
  could
• 5:27
  tell
• 5:28
  you
• 5:28
  this,
• 5:28
  but
• 5:29
  there
• 5:29
  is
• 5:29
  no
• 5:29
  one
• 5:30
  right
• 5:30
  answer.
• 5:31
  The
• 5:31
  answer
• 5:31
  depends
• 5:32
  on
• 5:32
  your
• 5:32
  particular
• 5:33
  timeline.
• 5:34
  It
• 5:34
  depends
• 5:35
  on
• 5:35
  your
• 5:35
  goals.
• 5:35
  And
• 5:36
  ultimately
• 5:37
  it
• 5:37
  depends
• 5:37
  on
• 5:37
  your
• 5:38
  comfort
• 5:38
  level.
• 5:39
  See,
• 5:39
  what's
• 5:39
  risky
• 5:40
  for
• 5:40
  one
• 5:40
  person
• 5:41
  might
• 5:41
  be
• 5:41
  completely
• 5:42
  manageable
• 5:42
  and
• 5:43
  acceptable
• 5:43
  for
• 5:43
  somebody
• 5:44
  else.
• 5:44
  One
• 5:44
  of
• 5:44
  the
• 5:44
  things
• 5:45
  that
• 5:45
  I
• 5:45
  work
• 5:45
  with,
• 5:45
  a
• 5:46
  financial
• 5:46
  advisor,
• 5:47
  the
• 5:47
  first
• 5:47
  thing
• 5:48
  he
• 5:48
  does
• 5:48
  whenever
• 5:49
  he
• 5:49
  meets
• 5:49
  with
• 5:49
  one
• 5:49
  of
• 5:49
  the
• 5:49
  clients,
• 5:50
  I
• 5:50
  refer
• 5:50
  to
• 5:50
  him
• 5:50
  as
• 5:51
  he
• 5:51
  says,
• 5:51
  I
• 5:51
  want
• 5:51
  to
• 5:52
  assess
• 5:52
  their
• 5:52
  level
• 5:53
  of
• 5:53
  comfort.
• 5:53
  I
• 5:54
  want
• 5:54
  to
• 5:54
  understand
• 5:55
  their
• 5:55
  market
• 5:55
  risk.
• 5:56
  I
• 5:56
  need
• 5:56
  to
• 5:57
  understand
• 5:57
  their
• 5:57
  timelines,
• 5:58
  I
• 5:58
  need
• 5:59
  to
• 5:59
  understand
• 5:59
  their
• 6:00
  goals
• 6:00
  and
• 6:01
  ultimately
• 6:01
  build
• 6:02
  an
• 6:02
  investment
• 6:03
  plan
• 6:03
  that
• 6:03
  meets
• 6:04
  those
• 6:04
  three
• 6:04
  things.
• 6:06
  And
• 6:06
  what's
• 6:06
  good
• 6:06
  for
• 6:06
  one
• 6:07
  person
• 6:07
  might
• 6:07
  not
• 6:08
  be
• 6:08
  great
• 6:08
  for
• 6:08
  another.
• 6:08
  I've
• 6:09
  got
• 6:09
  clients
• 6:09
  that
• 6:10
  only
• 6:10
  invest
• 6:10
  in
• 6:10
  certificates
• 6:11
  of
• 6:11
  deposit.
• 6:11
  The
• 6:12
  bank,
• 6:12
  they
• 6:12
  don't
• 6:12
  want
• 6:12
  to
• 6:12
  take
• 6:12
  any
• 6:13
  risk.
• 6:13
  I
• 6:14
  have
• 6:14
  other
• 6:14
  clients.
• 6:14
  If
• 6:14
  I
• 6:14
  said
• 6:15
  to
• 6:15
  them,
• 6:15
  go
• 6:15
  buy
• 6:15
  a
• 6:15
  CD
• 6:16
  to
• 6:16
  be
• 6:16
  like
• 6:16
  Ralph,
• 6:16
  are
• 6:16
  you
• 6:16
  crazy?
• 6:17
  There's
• 6:17
  no
• 6:17
  return
• 6:17
  in
• 6:18
  that.
• 6:18
  And
• 6:18
  they
• 6:19
  are
• 6:19
  in
• 6:19
  the
• 6:19
  stock
• 6:19
  market.
• 6:20
  But
• 6:21
  here's
• 6:21
  the
• 6:21
  thing
• 6:21
  I
• 6:21
  want
• 6:21
  you
• 6:22
  to
• 6:22
  also
• 6:22
  understand
• 6:23
  truly
• 6:24
  finding
• 6:25
  wisdom,
• 6:26
  that
• 6:26
  wisdom
• 6:26
  that
• 6:27
  the
• 6:27
  Bible
• 6:27
  talks
• 6:27
  about.
• 6:27
  I'm
• 6:28
  going
• 6:28
  to
• 6:28
  talk
• 6:28
  about
• 6:28
  a
• 6:28
  book
• 6:28
  of
• 6:29
  Scripture
• 6:29
  here
• 6:29
  in
• 6:29
  a
• 6:29
  second.
• 6:30
  But
• 6:30
  finding
• 6:31
  wisdom
• 6:31
  means
• 6:31
  you
• 6:32
  find
• 6:32
  that
• 6:32
  balance.
• 6:33
  You
• 6:33
  find
• 6:34
  what
• 6:34
  works
• 6:34
  for
• 6:34
  you,
• 6:35
  what
• 6:35
  works
• 6:35
  for
• 6:35
  your
• 6:36
  timeline,
• 6:36
  your
• 6:36
  goals,
• 6:36
  and
• 6:37
  your
• 6:37
  comfort
• 6:37
  level.
• 6:37
  Let's
• 6:38
  look
• 6:38
  at
• 6:38
  the
• 6:38
  Book
• 6:38
  of
• 6:38
  Proverbs,
• 6:39
  chapter
• 6:40
  22,
• 6:40
  verse
• 6:40
  3,
• 6:41
  the
• 6:41
  prudence,
• 6:42
  see
• 6:42
  danger
• 6:43
  and
• 6:43
  take
• 6:43
  refuge.
• 6:44
  But
• 6:44
  the
• 6:44
  simple
• 6:45
  keep
• 6:45
  going
• 6:45
  and
• 6:46
  pay
• 6:46
  the
• 6:46
  penalty.
• 6:48
  See,
• 6:48
  investing
• 6:48
  doesn't
• 6:49
  mean
• 6:49
  avoiding
• 6:49
  all
• 6:50
  the
• 6:50
  risk.
• 6:50
  If
• 6:50
  you're
• 6:50
  going
• 6:51
  to
• 6:51
  invest,
• 6:51
  there
• 6:51
  is
• 6:52
  going
• 6:52
  to
• 6:52
  be
• 6:52
  some
• 6:52
  risk.
• 6:52
  I'm
• 6:53
  going
• 6:53
  to
• 6:53
  be
• 6:53
  very
• 6:53
  clear
• 6:53
  about
• 6:53
  that
• 6:54
  right
• 6:54
  now.
• 6:54
  When
• 6:54
  you
• 6:55
  put
• 6:55
  money
• 6:55
  into
• 6:55
  the
• 6:56
  market,
• 6:56
  it
• 6:56
  is
• 6:57
  not
• 6:57
  insured.
• 6:58
  There
• 6:58
  is
• 6:58
  risk,
• 6:59
  but
• 6:59
  it
• 7:00
  means
• 7:00
  knowing
• 7:00
  yourself.
• 7:01
  It
• 7:01
  means
• 7:01
  knowing
• 7:02
  what
• 7:02
  you
• 7:02
  can
• 7:02
  tolerate.
• 7:03
  Hey,
• 7:03
  if
• 7:03
  you're
• 7:04
  one
• 7:04
  of
• 7:04
  these
• 7:04
  folks
• 7:04
  that
• 7:05
  can't
• 7:05
  tolerate
• 7:05
  risk
• 7:06
  at
• 7:06
  all,
• 7:06
  then
• 7:06
  you
• 7:06
  probably
• 7:07
  are
• 7:07
  better
• 7:07
  off
• 7:08
  investing
• 7:08
  in
• 7:08
  CDs
• 7:09
  or
• 7:09
  government
• 7:10
  bonds.
• 7:10
  But
• 7:11
  know
• 7:11
  yourself
• 7:12
  and
• 7:12
  choose
• 7:12
  the
• 7:13
  path
• 7:13
  that
• 7:13
  brings
• 7:14
  you
• 7:14
  Peace.
• 7:14
  Because
• 7:14
  you
• 7:15
  don't
• 7:15
  want
• 7:15
  to
• 7:15
  live
• 7:16
  someone
• 7:16
  else's
• 7:16
  life.
• 7:17
  You
• 7:17
  don't
• 7:17
  want
• 7:17
  to
• 7:18
  live
• 7:18
  in
• 7:18
  somebody
• 7:18
  else's
• 7:19
  investment
• 7:19
  belief
• 7:20
  system.
• 7:21
  Now,
• 7:21
  there
• 7:21
  are
• 7:21
  practical
• 7:22
  steps
• 7:22
  to
• 7:22
  help
• 7:22
  you
• 7:23
  find
• 7:23
  that
• 7:23
  balance.
• 7:24
  One
• 7:24
  of
• 7:24
  the
• 7:25
  things
• 7:25
  you've
• 7:25
  got
• 7:25
  to
• 7:25
  ask
• 7:25
  yourself,
• 7:26
  and
• 7:26
  it's
• 7:26
  one
• 7:26
  of
• 7:26
  the
• 7:26
  big
• 7:27
  things
• 7:27
  I
• 7:27
  ask
• 7:27
  clients
• 7:28
  as
• 7:28
  I
• 7:28
  work
• 7:28
  with
• 7:28
  them.
• 7:28
  Now,
• 7:29
  listen,
• 7:29
  I've
• 7:29
  said
• 7:29
  this
• 7:29
  on
• 7:29
  the
• 7:30
  show
• 7:30
  a
• 7:30
  couple
• 7:30
  days
• 7:30
  ago.
• 7:30
  I
• 7:31
  don't
• 7:31
  actually
• 7:32
  buy
• 7:32
  investments,
• 7:33
  but
• 7:33
  what
• 7:33
  I
• 7:33
  do
• 7:33
  is
• 7:34
  I
• 7:34
  coach
• 7:34
  clients
• 7:34
  on
• 7:35
  how
• 7:35
  to
• 7:35
  get
• 7:35
  involved
• 7:36
  in
• 7:36
  the
• 7:36
  market
• 7:37
  and
• 7:37
  how
• 7:37
  much
• 7:37
  to
• 7:37
  allocate
• 7:38
  for
• 7:38
  that,
• 7:38
  what
• 7:39
  the
• 7:39
  tax
• 7:39
  implications
• 7:40
  are,
• 7:40
  that.
• 7:40
  But
• 7:40
  the
• 7:41
  first
• 7:41
  thing
• 7:41
  you've
• 7:41
  got
• 7:41
  to
• 7:41
  ask
• 7:42
  yourself
• 7:42
  is,
• 7:43
  when
• 7:43
  do
• 7:43
  I
• 7:43
  need
• 7:44
  this
• 7:44
  money?
• 7:45
  If
• 7:45
  you
• 7:45
  need
• 7:45
  this
• 7:45
  money
• 7:46
  short
• 7:46
  term,
• 7:46
  hey,
• 7:46
  you've
• 7:47
  got
• 7:47
  to
• 7:47
  take
• 7:47
  low
• 7:47
  risk
• 7:48
  on
• 7:48
  that
• 7:48
  thing.
• 7:48
  You
• 7:49
  don't
• 7:49
  have
• 7:49
  the
• 7:49
  opportunity
• 7:50
  for
• 7:50
  this
• 7:50
  money
• 7:51
  to
• 7:51
  grow
• 7:51
  and
• 7:51
  recover.
• 7:52
  Now,
• 7:53
  if
• 7:53
  you're
• 7:53
  saying
• 7:53
  to
• 7:53
  me,
• 7:53
  Ralph,
• 7:54
  look,
• 7:54
  I'm
• 7:54
  putting
• 7:54
  money
• 7:54
  into
• 7:55
  the
• 7:55
  long
• 7:55
  term,
• 7:56
  you
• 7:56
  can
• 7:57
  take
• 7:57
  more
• 7:57
  risk.
• 7:58
  But
• 7:58
  test
• 7:59
  yourself
• 7:59
  with
• 7:59
  this.
• 8:00
  Ask
• 8:01
  yourself
• 8:01
  if
• 8:01
  a
• 8:01
  10%
• 8:02
  drop
• 8:02
  would
• 8:02
  keep
• 8:03
  you
• 8:03
  up
• 8:03
  at
• 8:03
  night.
• 8:04
  If
• 8:04
  that
• 8:05
  10%
• 8:05
  drop
• 8:05
  in
• 8:05
  the
• 8:05
  market
• 8:06
  is
• 8:06
  going
• 8:06
  to
• 8:06
  keep
• 8:06
  you
• 8:06
  up
• 8:06
  at
• 8:06
  night,
• 8:06
  you
• 8:07
  need
• 8:07
  a
• 8:07
  safer
• 8:07
  mix.
• 8:08
  That
• 8:08
  is
• 8:08
  a
• 8:08
  very
• 8:09
  conservative
• 8:10
  approach.
• 8:10
  Then
• 8:11
  start
• 8:12
  small
• 8:12
  and
• 8:13
  build
• 8:13
  that
• 8:13
  confidence
• 8:14
  as
• 8:14
  you
• 8:14
  go.
• 8:14
  But
• 8:14
  ask
• 8:15
  yourself,
• 8:15
  when
• 8:15
  do
• 8:15
  I
• 8:15
  need
• 8:16
  the
• 8:16
  money
• 8:16
  and
• 8:16
  what
• 8:17
  is
• 8:17
  my
• 8:17
  risk
• 8:17
  tolerance?
• 8:18
  And
• 8:18
  then
• 8:18
  really,
• 8:19
  really
• 8:19
  ask
• 8:19
  yourself,
• 8:20
  if
• 8:20
  I
• 8:21
  saw
• 8:21
  this
• 8:21
  market
• 8:21
  drop,
• 8:22
  would
• 8:23
  I
• 8:23
  feel
• 8:23
  safe
• 8:23
  with
• 8:23
  this?
• 8:25
  Here's
• 8:25
  another
• 8:25
  thing
• 8:25
  you
• 8:26
  got
• 8:26
  to
• 8:26
  remember,
• 8:27
  and
• 8:28
  this
• 8:28
  goes
• 8:28
  beyond
• 8:29
  all
• 8:29
  the
• 8:29
  investment,
• 8:30
  and
• 8:31
  this
• 8:31
  is
• 8:31
  really
• 8:31
  the
• 8:31
  assurance
• 8:32
  of
• 8:32
  today's
• 8:32
  show.
• 8:33
  You
• 8:33
  got
• 8:34
  to
• 8:34
  remember
• 8:34
  who
• 8:34
  holds
• 8:34
  your
• 8:35
  future.
• 8:36
  At
• 8:36
  the
• 8:36
  end
• 8:36
  of
• 8:36
  the
• 8:37
  day,
• 8:37
  your
• 8:37
  security
• 8:37
  isn't
• 8:38
  in
• 8:38
  the
• 8:38
  stock
• 8:38
  market.
• 8:39
  Your
• 8:39
  security
• 8:40
  is
• 8:40
  not
• 8:40
  in
• 8:40
  those
• 8:40
  investments.
• 8:41
  It's
• 8:41
  not
• 8:41
  in
• 8:41
  those
• 8:42
  certificates
• 8:42
  of
• 8:42
  deposits.
• 8:43
  It's
• 8:43
  not
• 8:43
  in
• 8:43
  how
• 8:43
  much
• 8:44
  you've
• 8:44
  got
• 8:44
  deposited
• 8:44
  at
• 8:45
  the
• 8:45
  bank.
• 8:46
  And
• 8:46
  I
• 8:46
  want
• 8:46
  you
• 8:46
  to
• 8:46
  hear
• 8:47
  this,
• 8:47
  and
• 8:47
  I
• 8:47
  want
• 8:47
  you
• 8:47
  to
• 8:47
  hear
• 8:47
  this
• 8:48
  loud
• 8:48
  and
• 8:48
  clear.
• 8:48
  It's
• 8:49
  in
• 8:49
  God's
• 8:49
  hands.
• 8:50
  That
• 8:51
  is
• 8:51
  truly
• 8:51
  the
• 8:51
  thing
• 8:52
  that
• 8:52
  should
• 8:52
  make
• 8:52
  you
• 8:52
  feel
• 8:52
  reassured
• 8:53
  in
• 8:53
  all
• 8:53
  of
• 8:53
  this.
• 8:54
  I'm
• 8:54
  not
• 8:54
  saying
• 8:54
  don't
• 8:54
  make
• 8:55
  wise
• 8:55
  decisions.
• 8:56
  I
• 8:56
  know
• 8:56
  God
• 8:57
  wants
• 8:57
  us
• 8:57
  to
• 8:57
  make
• 8:57
  wise
• 8:58
  decisions.
• 8:59
  So
• 8:59
  when
• 8:59
  you
• 9:00
  invest
• 9:00
  with
• 9:00
  wisdom,
• 9:00
  when
• 9:01
  you
• 9:01
  invest
• 9:01
  with
• 9:01
  faith,
• 9:02
  when
• 9:03
  you
• 9:03
  do
• 9:03
  those
• 9:03
  things,
• 9:04
  you
• 9:04
  can
• 9:04
  walk
• 9:04
  with
• 9:04
  peace
• 9:05
  even
• 9:06
  when
• 9:06
  the
• 9:06
  markets
• 9:07
  shake.
• 9:07
  And
• 9:07
  guess
• 9:08
  what?
• 9:08
  The
• 9:09
  markets
• 9:09
  will
• 9:09
  shake.
• 9:10
  But
• 9:10
  where
• 9:11
  is
• 9:11
  your
• 9:11
  peace?
• 9:11
  What
• 9:11
  is
• 9:12
  your
• 9:12
  anchor
• 9:12
  in
• 9:12
  that?
• 9:13
  Let's
• 9:14
  pray
• 9:14
  together.
• 9:14
  How
• 9:15
  does
• 9:15
  that
• 9:15
  sound?
• 9:16
  Lord,
• 9:16
  we
• 9:16
  just
• 9:16
  thank
• 9:17
  you
• 9:17
  for
• 9:17
  teaching
• 9:17
  us
• 9:17
  that
• 9:17
  risk
• 9:18
  isn't
• 9:18
  something
• 9:19
  to
• 9:19
  fear.
• 9:20
  It's
• 9:20
  something
• 9:20
  that
• 9:21
  we
• 9:21
  can
• 9:21
  manage
• 9:21
  with
• 9:22
  your
• 9:22
  wisdom.
• 9:22
  Lord,
• 9:22
  so
• 9:23
  help
• 9:23
  us
• 9:23
  to
• 9:23
  see
• 9:23
  clearly
• 9:24
  what
• 9:24
  risk
• 9:24
  we
• 9:25
  should
• 9:25
  take
• 9:26
  and
• 9:26
  which
• 9:26
  ones
• 9:26
  we
• 9:27
  should
• 9:27
  avoid.
• 9:27
  Lord,
• 9:28
  give
• 9:28
  us
• 9:29
  peace
• 9:29
  when
• 9:29
  we
• 9:29
  make
• 9:29
  those
• 9:30
  investment
• 9:30
  decisions.
• 9:31
  Help
• 9:31
  us
• 9:31
  to
• 9:31
  be
• 9:32
  clear
• 9:32
  in
• 9:32
  our
• 9:32
  decisions
• 9:33
  and
• 9:34
  faith
• 9:34
  in
• 9:35
  what
• 9:35
  you
• 9:35
  hold
• 9:36
  for
• 9:36
  our
• 9:36
  future,
• 9:36
  knowing
• 9:37
  that
• 9:37
  our
• 9:37
  true
• 9:38
  future,
• 9:38
  our
• 9:38
  true
• 9:39
  wealth
• 9:39
  is
• 9:39
  found
• 9:40
  in
• 9:40
  you
• 9:40
  and
• 9:40
  found
• 9:41
  in
• 9:41
  you
• 9:41
  alone.
• 9:41
  And
• 9:41
  we
• 9:41
  asked
• 9:42
  this
• 9:42
  in
• 9:42
  complete
• 9:43
  confidence
• 9:44
  in
• 9:44
  Jesus
• 9:45
  name,
• 9:45
  Amen.
• 9:47
  Now
• 9:47
  I
• 9:47
  sure
• 9:47
  hope
• 9:48
  you
• 9:48
  join
• 9:48
  me
• 9:48
  tomorrow.
• 9:48
  We're
• 9:49
  going
• 9:49
  to
• 9:49
  take
• 9:49
  this
• 9:49
  even
• 9:49
  a
• 9:49
  little
• 9:50
  bit
• 9:50
  further.
• 9:50
  We're
• 9:51
  going
• 9:51
  to
• 9:51
  delve
• 9:51
  into
• 9:51
  a
• 9:52
  little
• 9:52
  deeper.
• 9:52
  What's
• 9:53
  your
• 9:53
  investment
• 9:53
  horizon?
• 9:54
  We'll
• 9:54
  talk
• 9:54
  about
• 9:54
  short
• 9:54
  term
• 9:55
  and
• 9:55
  long
• 9:55
  term
• 9:56
  goals
• 9:56
  and
• 9:56
  then
• 9:57
  I'm
• 9:57
  going
• 9:57
  to
• 9:57
  talk
• 9:57
  about
• 9:57
  how
• 9:58
  you
• 9:58
  can
• 9:58
  shake
• 9:58
  your
• 9:59
  timeline
• 9:59
  and
• 9:59
  shape
• 10:00
  the
• 10:00
  way
• 10:00
  you
• 10:00
  want
• 10:00
  to
• 10:00
  invest.
• 10:01
  Because
• 10:01
  that's
• 10:01
  going
• 10:01
  to
• 10:02
  be
• 10:02
  a
• 10:02
  really
• 10:02
  important
• 10:03
  point
• 10:03
  once
• 10:03
  you've
• 10:04
  made
• 10:04
  that
• 10:04
  decision,
• 10:04
  hey,
• 10:05
  I'm
• 10:05
  going
• 10:05
  to
• 10:05
  get
• 10:05
  in
• 10:05
  the
• 10:05
  market.
• 10:05
  I
• 10:06
  realize
• 10:06
  it's
• 10:06
  not
• 10:06
  just
• 10:06
  for
• 10:07
  rich
• 10:07
  people.
• 10:07
  I'm
• 10:08
  going
• 10:08
  to
• 10:08
  put
• 10:08
  my
• 10:08
  toe
• 10:08
  in
• 10:09
  the
• 10:09
  water.
• 10:09
  But
• 10:09
  then
• 10:10
  we
• 10:10
  really
• 10:10
  need
• 10:10
  to
• 10:10
  get
• 10:10
  into
• 10:11
  that
• 10:11
  short
• 10:11
  term
• 10:12
  versus
• 10:12
  long
• 10:12
  term
• 10:12
  goal.
• 10:13
  So
• 10:13
  make
• 10:13
  sure
• 10:13
  you
• 10:13
  don't
• 10:14
  miss
• 10:14
  tomorrow's
• 10:14
  show.
• 10:15
  And
• 10:16
  if
• 10:16
  risk
• 10:16
  is
• 10:16
  keeping
• 10:17
  you
• 10:17
  frozen,
• 10:18
  I
• 10:18
  would
• 10:18
  love
• 10:18
  to
• 10:18
  give
• 10:19
  you
• 10:19
  a
• 10:19
  copy
• 10:19
  of
• 10:19
  my
• 10:19
  free
• 10:20
  book.
• 10:20
  It's
• 10:20
  called
• 10:21
  How
• 10:21
  to
• 10:21
  Become
• 10:21
  a
• 10:22
  Financially
• 10:22
  Confident
• 10:22
  Christian.
• 10:23
  I
• 10:23
  wrote
• 10:23
  this
• 10:23
  book,
• 10:23
  it
• 10:24
  was
• 10:24
  a
• 10:24
  passion
• 10:24
  of
• 10:25
  mine.
• 10:25
  I,
• 10:25
  I
• 10:25
  took
• 10:25
  30
• 10:26
  years
• 10:26
  of
• 10:27
  working
• 10:27
  with
• 10:27
  people
• 10:27
  just
• 10:28
  like
• 10:28
  you
• 10:28
  and
• 10:29
  seeing
• 10:29
  that
• 10:29
  fear,
• 10:30
  seeing
• 10:30
  that
• 10:30
  financial
• 10:31
  shame
• 10:31
  they
• 10:31
  lived
• 10:32
  in
• 10:32
  and
• 10:32
  helping
• 10:33
  them
• 10:33
  build
• 10:33
  confidence.
• 10:33
  And
• 10:34
  I
• 10:34
  would
• 10:34
  sure
• 10:34
  like
• 10:34
  to
• 10:34
  give
• 10:34
  you
• 10:34
  a
• 10:35
  free
• 10:35
  copy,
• 10:35
  a
• 10:35
  downloadable
• 10:36
  copy.
• 10:36
  You
• 10:36
  can
• 10:36
  go
• 10:37
  right
• 10:37
  to
• 10:37
  my
• 10:37
  website
• 10:37
  and
• 10:38
  get
• 10:38
  that.
• 10:38
  That's
• 10:40
  at
• 10:41
  financiallyconfidentchristian.com/becoming
• 10:42
  go
• 10:42
  there
• 10:43
  and
• 10:43
  put
• 10:43
  your
• 10:44
  email
• 10:44
  address
• 10:44
  in
• 10:45
  and
• 10:45
  download
• 10:45
  a
• 10:45
  copy
• 10:46
  of
• 10:46
  the
• 10:46
  book.
• 10:46
  Again,
• 10:46
  that's
• 10:48
  at
• 10:48
  financiallyconfidentchristian.com/becoming
• 10:50
  it's
• 10:50
  my
• 10:50
  gift
• 10:51
  to
• 10:51
  you
• 10:51
  because
• 10:51
  here's
• 10:52
  the
• 10:52
  truth.
• 10:53
  Confidence
• 10:53
  comes
• 10:53
  from
• 10:54
  truth
• 10:54
  and
• 10:55
  the
• 10:55
  truth
• 10:55
  will
• 10:55
  set
• 10:55
  you
• 10:56
  free.
• 10:57
  So
• 10:57
  go
• 10:57
  today
• 10:57
  and
• 10:58
  be
• 10:58
  that
• 10:58
  financially
• 10:59
  confident
• 10:59
  Christian
• 10:59
  that
• 11:00
  I
• 11:00
  know
• 11:00
  you
• 11:00
  can
• 11:00
  be.
• 11:01
  I
• 11:01
  truly
• 11:01
  believe
• 11:02
  in
• 11:02
  you.
• 11:02
  Believe
• 11:03
  in
• 11:03
  yourself.
• 11:03
  And
• 11:03
  more
• 11:04
  importantly
• 11:04
  than
• 11:04
  any
• 11:04
  of
• 11:04
  those
• 11:05
  things,
• 11:05
  God
• 11:06
  believes
• 11:06
  in
• 11:06
  you.
• 11:07
  Stay
• 11:07
  financially
• 11:08
  savvy,
• 11:08
  God
• 11:09
  bless
• 11:09
  you
• 11:09
  and
• 11:10
  you
• 11:10
  have
• 11:10
  a
• 11:10
  great
• 11:10
  day.
• 11:19
  It.