Latest / Becoming Financially Confident / Am I Stewarding My Time and Talents as Wisely as My Money?

Transcript

Am I Stewarding My Time and Talents as Wisely as My Money? · Becoming Financially Confident

• 1:20
  You've
• 1:20
  worked
• 1:21
  hard
• 1:21
  to
• 1:21
  budget
• 1:21
  well,
• 1:22
  you
• 1:22
  give
• 1:22
  faithfully.
• 1:23
  But
• 1:24
  your
• 1:24
  calendar,
• 1:25
  well,
• 1:25
  that's
• 1:25
  just
• 1:25
  pure
• 1:26
  chaos.
• 1:27
  Your
• 1:27
  talents,
• 1:28
  they're
• 1:28
  just
• 1:29
  gathering
• 1:29
  dust.
• 1:30
  But
• 1:31
  what
• 1:31
  if
• 1:31
  stewardship
• 1:32
  isn't
• 1:32
  just
• 1:32
  about
• 1:32
  what's
• 1:33
  in
• 1:33
  your
• 1:33
  wallet,
• 1:34
  but
• 1:35
  about
• 1:35
  what's
• 1:35
  in
• 1:35
  your
• 1:35
  schedule
• 1:36
  and
• 1:37
  your
• 1:37
  skill
• 1:37
  set?
• 1:38
  Well,
• 1:38
  I
• 1:38
  encourage
• 1:39
  you
• 1:39
  to
• 1:39
  stick
• 1:39
  with
• 1:39
  me
• 1:39
  today
• 1:39
  because
• 1:40
  we're
• 1:40
  going
• 1:40
  to
• 1:40
  explore
• 1:40
  the
• 1:41
  bigger
• 1:41
  picture
• 1:41
  of
• 1:42
  living
• 1:42
  wisely
• 1:43
  and
• 1:43
  more
• 1:43
  importantly,
• 1:44
  living
• 1:44
  fully.
• 1:46
  This
• 1:46
  is
• 1:47
  Financially
• 1:47
  Confident
• 1:48
  Christian,
• 1:48
  your
• 1:49
  daily
• 1:49
  dose
• 1:49
  of
• 1:49
  gospel,
• 1:50
  grounded
• 1:50
  insight
• 1:51
  and
• 1:51
  faith
• 1:51
  driven
• 1:52
  tips
• 1:52
  to
• 1:53
  help
• 1:53
  you
• 1:53
  break
• 1:53
  the
• 1:53
  cycle
• 1:54
  of
• 1:54
  financial
• 1:54
  shame
• 1:55
  with
• 1:55
  confidence.
• 1:58
  Welcome
• 1:58
  back
• 1:58
  to
• 1:58
  your
• 1:59
  Financially
• 1:59
  Confident
• 2:00
  Christian.
• 2:00
  I'm
• 2:00
  Ralph
• 2:01
  and
• 2:01
  I'm
• 2:01
  grateful
• 2:01
  to
• 2:01
  be
• 2:02
  with
• 2:02
  you
• 2:02
  again
• 2:02
  today.
• 2:03
  This
• 2:03
  is
• 2:03
  the
• 2:03
  show
• 2:03
  where
• 2:04
  we
• 2:04
  help
• 2:04
  you
• 2:04
  answer
• 2:05
  that
• 2:05
  simple
• 2:05
  but
• 2:06
  life
• 2:06
  changing
• 2:06
  question.
• 2:07
  And
• 2:07
  that's
• 2:08
  how
• 2:08
  can
• 2:08
  I
• 2:08
  become
• 2:09
  a
• 2:09
  financially
• 2:10
  confident
• 2:10
  Christian?
• 2:11
  Now
• 2:11
  we're
• 2:11
  in
• 2:11
  week
• 2:12
  four
• 2:12
  of
• 2:12
  our
• 2:12
  series
• 2:12
  beyond
• 2:13
  the
• 2:13
  Budget.
• 2:13
  We're
• 2:14
  finding
• 2:14
  financial
• 2:15
  freedom
• 2:15
  through
• 2:16
  intentional
• 2:16
  living.
• 2:17
  And
• 2:17
  if
• 2:17
  you
• 2:17
  missed
• 2:18
  yesterday's
• 2:18
  show,
• 2:18
  we
• 2:19
  discovered
• 2:19
  how
• 2:19
  generosity.
• 2:20
  That's
• 2:21
  right,
• 2:21
  generosity
• 2:22
  multiplies
• 2:23
  freedom.
• 2:23
  If
• 2:24
  you
• 2:24
  missed
• 2:24
  it,
• 2:24
  I'm
• 2:24
  going
• 2:25
  to
• 2:25
  encourage
• 2:25
  you
• 2:25
  to
• 2:25
  go
• 2:25
  check
• 2:26
  it
• 2:26
  out.
• 2:26
  And
• 2:26
  today
• 2:27
  we're
• 2:27
  going
• 2:27
  to
• 2:27
  expand
• 2:28
  that
• 2:28
  conversation
• 2:29
  and
• 2:29
  we're
• 2:29
  going
• 2:30
  to
• 2:30
  answer
• 2:30
  this
• 2:30
  question.
• 2:31
  Are
• 2:31
  you
• 2:32
  stewarding
• 2:32
  your
• 2:32
  time
• 2:33
  and
• 2:33
  your
• 2:33
  talent
• 2:34
  as
• 2:34
  wisely
• 2:35
  as
• 2:35
  your
• 2:35
  money?
• 2:36
  It's
• 2:37
  a
• 2:37
  great
• 2:37
  question,
• 2:37
  isn't
• 2:38
  it?
• 2:38
  Well,
• 2:38
  let
• 2:38
  me
• 2:39
  ask
• 2:39
  you
• 2:39
  this.
• 2:40
  Do
• 2:40
  you
• 2:40
  ever
• 2:40
  feel
• 2:41
  exhausted?
• 2:42
  I
• 2:42
  mean
• 2:42
  truly
• 2:42
  just
• 2:43
  exhausted,
• 2:44
  beat
• 2:45
  tired,
• 2:45
  whatever
• 2:45
  those
• 2:46
  terms
• 2:46
  are
• 2:46
  that
• 2:46
  you
• 2:47
  use.
• 2:48
  But
• 2:48
  when
• 2:48
  you
• 2:48
  think
• 2:49
  about
• 2:49
  it,
• 2:49
  you
• 2:49
  also
• 2:50
  feel
• 2:50
  strangely
• 2:51
  unproductive.
• 2:52
  You
• 2:53
  feel
• 2:53
  busy,
• 2:54
  you're
• 2:55
  very
• 2:55
  busy,
• 2:56
  but
• 2:57
  you're
• 2:57
  not
• 2:57
  fulfilled.
• 2:58
  Yeah,
• 2:59
  you've
• 2:59
  got
• 2:59
  skills.
• 3:00
  Maybe
• 3:00
  you
• 3:00
  love
• 3:01
  to
• 3:01
  write,
• 3:01
  or
• 3:01
  maybe
• 3:02
  you
• 3:02
  love
• 3:02
  to
• 3:02
  cook,
• 3:02
  or
• 3:03
  maybe
• 3:03
  you
• 3:03
  love
• 3:03
  to
• 3:04
  fix
• 3:04
  things,
• 3:04
  or
• 3:04
  maybe
• 3:05
  you're
• 3:05
  just
• 3:05
  a
• 3:05
  born
• 3:06
  leader.
• 3:07
  But
• 3:08
  those
• 3:08
  gifts
• 3:10
  just
• 3:10
  be
• 3:10
  getting
• 3:10
  buried
• 3:11
  under
• 3:11
  daily
• 3:12
  demands.
• 3:12
  They're
• 3:12
  just
• 3:12
  getting
• 3:13
  forgot
• 3:13
  about.
• 3:15
  And
• 3:15
  let's
• 3:16
  be
• 3:16
  honest
• 3:16
  with
• 3:16
  ourselves
• 3:17
  for
• 3:17
  a
• 3:17
  minute.
• 3:19
  Sometimes
• 3:19
  financial
• 3:20
  stress
• 3:20
  isn't
• 3:21
  a
• 3:21
  money
• 3:21
  problem.
• 3:23
  Wow,
• 3:23
  that's
• 3:24
  a
• 3:24
  news
• 3:24
  flash.
• 3:26
  But
• 3:26
  it's
• 3:27
  true.
• 3:28
  Sometimes
• 3:29
  financial
• 3:29
  stress
• 3:30
  isn't
• 3:30
  a
• 3:30
  money
• 3:30
  problem.
• 3:32
  It's
• 3:32
  a
• 3:32
  time
• 3:32
  problem.
• 3:34
  Or
• 3:34
  even
• 3:34
  bigger
• 3:35
  than
• 3:35
  that.
• 3:35
  Ready
• 3:35
  for
• 3:35
  this
• 3:36
  one?
• 3:36
  Or
• 3:37
  it's
• 3:37
  a
• 3:37
  calling
• 3:38
  problem.
• 3:40
  When
• 3:40
  our
• 3:40
  God
• 3:40
  given
• 3:41
  resources
• 3:41
  like
• 3:41
  time
• 3:42
  and
• 3:42
  talents
• 3:42
  go
• 3:43
  unused
• 3:43
  or
• 3:43
  mismanaged.
• 3:44
  A
• 3:45
  lot
• 3:45
  of
• 3:45
  people
• 3:45
  do
• 3:45
  that.
• 3:48
  It
• 3:48
  creates
• 3:48
  friction
• 3:49
  in
• 3:49
  every
• 3:49
  area
• 3:50
  of
• 3:50
  life.
• 3:52
  Here's
• 3:53
  the
• 3:53
  thing,
• 3:55
  and
• 3:55
  you're
• 3:55
  probably
• 3:55
  not
• 3:55
  going
• 3:56
  to
• 3:56
  hear
• 3:56
  this
• 3:56
  anywhere
• 3:56
  else.
• 3:58
  Stewardship
• 3:59
  is
• 3:59
  not
• 3:59
  just
• 4:00
  about
• 4:00
  money.
• 4:01
  If
• 4:02
  it
• 4:02
  was
• 4:02
  about
• 4:02
  money,
• 4:02
  hey,
• 4:03
  this
• 4:03
  would
• 4:03
  be
• 4:03
  an
• 4:03
  easy
• 4:04
  thing
• 4:04
  to
• 4:04
  learn.
• 4:04
  Hey,
• 4:05
  I've
• 4:05
  mastered
• 4:05
  this,
• 4:05
  Ralph.
• 4:06
  I'm
• 4:06
  good
• 4:06
  at
• 4:07
  managing
• 4:07
  My
• 4:07
  money.
• 4:07
  I'm
• 4:08
  a
• 4:08
  good
• 4:08
  steward
• 4:08
  of
• 4:08
  money.
• 4:09
  It's
• 4:10
  so
• 4:10
  much
• 4:10
  bigger
• 4:10
  than
• 4:11
  that.
• 4:12
  It's
• 4:12
  about
• 4:12
  your
• 4:13
  time.
• 4:14
  It's
• 4:14
  about
• 4:15
  your
• 4:15
  energy,
• 4:16
  and
• 4:16
  ready
• 4:17
  for
• 4:17
  this
• 4:17
  one.
• 4:18
  It's
• 4:18
  about
• 4:18
  the
• 4:18
  gifts
• 4:19
  God
• 4:19
  has
• 4:19
  placed
• 4:20
  inside
• 4:20
  of
• 4:20
  you.
• 4:21
  Well,
• 4:22
  let's
• 4:22
  look
• 4:22
  to
• 4:22
  the
• 4:22
  Word
• 4:23
  for
• 4:23
  some
• 4:23
  guidance.
• 4:23
  Let's
• 4:24
  open
• 4:24
  up
• 4:24
  the
• 4:24
  book
• 4:24
  of
• 4:24
  Ephesians,
• 4:25
  chapter
• 4:26
  5,
• 4:26
  verses
• 4:27
  15
• 4:27
  and
• 4:27
  16.
• 4:28
  It
• 4:28
  says
• 4:28
  this.
• 4:30
  Be
• 4:30
  very
• 4:30
  careful
• 4:31
  then
• 4:31
  how
• 4:31
  you
• 4:31
  live.
• 4:33
  Not
• 4:33
  as
• 4:33
  unwise,
• 4:34
  but
• 4:34
  as
• 4:34
  wise.
• 4:35
  Making
• 4:35
  the
• 4:35
  most
• 4:35
  of
• 4:36
  every
• 4:36
  opportunity
• 4:37
  because
• 4:37
  the
• 4:37
  days
• 4:38
  are
• 4:38
  evil.
• 4:40
  I
• 4:40
  use
• 4:41
  that
• 4:41
  on
• 4:41
  the
• 4:41
  show
• 4:42
  repeatedly
• 4:45
  because
• 4:45
  one
• 4:45
  of
• 4:46
  the
• 4:46
  things
• 4:46
  you
• 4:46
  have
• 4:46
  to
• 4:46
  come
• 4:47
  to
• 4:47
  grips
• 4:47
  with,
• 4:49
  you
• 4:49
  don't
• 4:50
  get
• 4:50
  time
• 4:50
  back
• 4:52
  as
• 4:52
  much
• 4:53
  as
• 4:53
  you'd
• 4:53
  like
• 4:53
  to
• 4:53
  try.
• 4:53
  Hey,
• 4:54
  when
• 4:54
  I
• 4:54
  talk
• 4:54
  to
• 4:54
  older
• 4:55
  people,
• 4:55
  I'm
• 4:55
  getting
• 4:56
  to
• 4:56
  that
• 4:56
  age
• 4:56
  myself.
• 4:58
  But
• 4:58
  when
• 4:58
  I
• 4:58
  talk
• 4:58
  to
• 4:59
  older
• 4:59
  people,
• 5:00
  the
• 5:00
  main
• 5:01
  thing
• 5:01
  they
• 5:01
  tell
• 5:01
  me,
• 5:01
  they
• 5:01
  don't.
• 5:02
  They
• 5:02
  don't
• 5:02
  tell
• 5:02
  me
• 5:02
  about,
• 5:02
  oh,
• 5:03
  Rapha,
• 5:03
  I
• 5:03
  wish
• 5:03
  I
• 5:04
  had
• 5:04
  made
• 5:04
  more
• 5:04
  money.
• 5:04
  I
• 5:05
  wish
• 5:05
  I
• 5:05
  had
• 5:06
  worked
• 5:06
  more
• 5:06
  hours.
• 5:06
  I
• 5:07
  wish
• 5:07
  I
• 5:07
  had
• 5:07
  done
• 5:07
  this.
• 5:07
  I
• 5:07
  wish
• 5:08
  I
• 5:08
  had
• 5:08
  done
• 5:08
  that.
• 5:08
  No,
• 5:09
  the
• 5:09
  very
• 5:10
  main
• 5:10
  thing
• 5:10
  they
• 5:11
  say,
• 5:13
  I
• 5:13
  wish
• 5:13
  I
• 5:14
  had
• 5:14
  better
• 5:14
  manage
• 5:15
  my
• 5:15
  time.
• 5:18
  And
• 5:18
  if
• 5:18
  you
• 5:18
  can't
• 5:19
  get
• 5:19
  time
• 5:19
  back,
• 5:20
  how
• 5:21
  you
• 5:21
  use
• 5:21
  it
• 5:21
  matters.
• 5:22
  Let's
• 5:22
  look
• 5:22
  again
• 5:23
  at
• 5:23
  the
• 5:23
  scripture.
• 5:24
  Let's
• 5:24
  look
• 5:24
  at
• 5:25
  first
• 5:25
  Peter,
• 5:25
  chapter
• 5:26
  4,
• 5:26
  verse
• 5:26
  10.
• 5:27
  It
• 5:27
  says
• 5:27
  this.
• 5:28
  Each
• 5:28
  of
• 5:29
  you
• 5:29
  should
• 5:29
  use
• 5:29
  whatever
• 5:30
  gift
• 5:30
  you
• 5:30
  have
• 5:30
  received
• 5:31
  to
• 5:31
  serve
• 5:32
  others
• 5:33
  as
• 5:33
  faithful
• 5:34
  stewards.
• 5:34
  Hey,
• 5:34
  there's
• 5:35
  that
• 5:35
  steward
• 5:35
  word
• 5:35
  again.
• 5:36
  Of
• 5:37
  God's
• 5:37
  grace
• 5:38
  in
• 5:38
  its
• 5:38
  various
• 5:39
  forms.
• 5:41
  It's
• 5:42
  crystal
• 5:42
  clear.
• 5:44
  The
• 5:44
  gifts
• 5:45
  that
• 5:45
  God
• 5:45
  has
• 5:45
  given
• 5:45
  you.
• 5:46
  Hey,
• 5:46
  and
• 5:46
  we
• 5:46
  all
• 5:46
  have
• 5:47
  gifts.
• 5:48
  Maybe
• 5:48
  you're
• 5:49
  listening
• 5:49
  right
• 5:49
  now.
• 5:49
  You're
• 5:49
  like,
• 5:49
  ralph,
• 5:50
  I
• 5:50
  don't
• 5:50
  have
• 5:50
  any
• 5:50
  gifts.
• 5:52
  I
• 5:52
  disagree
• 5:52
  with
• 5:53
  you.
• 5:53
  There
• 5:53
  are
• 5:53
  gifts.
• 5:53
  Maybe
• 5:54
  you
• 5:54
  haven't
• 5:54
  taken
• 5:54
  the
• 5:55
  time
• 5:55
  because
• 5:55
  you're
• 5:55
  so
• 5:56
  busy
• 5:56
  with
• 5:56
  the,
• 5:56
  quote,
• 5:57
  busyness
• 5:57
  of
• 5:58
  life,
• 5:59
  that
• 5:59
  you
• 5:59
  haven't
• 6:00
  really
• 6:00
  prayed
• 6:00
  about
• 6:01
  them,
• 6:01
  that
• 6:01
  you
• 6:01
  haven't
• 6:01
  really
• 6:02
  thought
• 6:02
  about
• 6:02
  what
• 6:02
  those
• 6:03
  gifts
• 6:03
  are.
• 6:05
  But
• 6:05
  those
• 6:05
  gifts
• 6:06
  are
• 6:06
  meant
• 6:06
  to
• 6:06
  be
• 6:06
  used.
• 6:06
  They're
• 6:07
  not
• 6:07
  meant
• 6:07
  to
• 6:07
  be
• 6:07
  put
• 6:08
  under
• 6:08
  a
• 6:08
  bushel
• 6:08
  basket.
• 6:09
  They're
• 6:09
  not
• 6:09
  meant
• 6:09
  to
• 6:10
  be
• 6:10
  stored
• 6:10
  off
• 6:10
  for
• 6:11
  some
• 6:11
  future
• 6:11
  date.
• 6:15
  The
• 6:15
  thing
• 6:15
  you
• 6:15
  need
• 6:15
  to
• 6:15
  understand
• 6:17
  is
• 6:17
  God
• 6:18
  has
• 6:18
  given
• 6:18
  you
• 6:18
  gifts
• 6:20
  and
• 6:20
  he
• 6:20
  wants
• 6:20
  you
• 6:21
  to
• 6:21
  use
• 6:21
  them.
• 6:21
  He
• 6:21
  wants
• 6:22
  you
• 6:22
  to
• 6:22
  multiply
• 6:22
  them.
• 6:24
  And
• 6:24
  that
• 6:25
  applies
• 6:25
  to
• 6:25
  money,
• 6:26
  but
• 6:26
  it
• 6:26
  also
• 6:27
  applies
• 6:27
  to
• 6:27
  your
• 6:28
  minutes
• 6:28
  and
• 6:29
  your
• 6:29
  ministries.
• 6:30
  So
• 6:31
  now
• 6:31
  you're
• 6:31
  like,
• 6:31
  great,
• 6:31
  Ralph.
• 6:32
  Okay,
• 6:33
  you
• 6:33
  say
• 6:33
  I
• 6:33
  have
• 6:33
  gifts.
• 6:34
  You
• 6:34
  say
• 6:34
  I
• 6:34
  have
• 6:35
  talents.
• 6:35
  What
• 6:35
  do
• 6:36
  we
• 6:36
  do?
• 6:38
  Well,
• 6:38
  the
• 6:38
  first
• 6:38
  thing
• 6:38
  you've
• 6:39
  got
• 6:39
  to
• 6:39
  do,
• 6:39
  you
• 6:39
  got
• 6:39
  to
• 6:40
  slow
• 6:40
  down
• 6:40
  and
• 6:40
  take
• 6:41
  an
• 6:41
  inventory.
• 6:43
  Like
• 6:43
  I
• 6:43
  said
• 6:43
  a
• 6:43
  few
• 6:43
  minutes
• 6:44
  ago,
• 6:44
  maybe
• 6:44
  you're
• 6:44
  this
• 6:44
  person,
• 6:45
  Ralph.
• 6:45
  I
• 6:45
  don't
• 6:45
  even
• 6:45
  know
• 6:45
  what
• 6:45
  my
• 6:46
  talents
• 6:46
  are.
• 6:49
  But
• 6:49
  one
• 6:49
  of
• 6:49
  the
• 6:49
  things
• 6:49
  I'm
• 6:49
  going
• 6:49
  to
• 6:50
  encourage
• 6:50
  you
• 6:50
  to
• 6:50
  do
• 6:50
  today
• 6:50
  is
• 6:51
  prayerfully
• 6:51
  assess
• 6:52
  how
• 6:52
  we're
• 6:53
  spending
• 6:53
  our
• 6:53
  time.
• 6:55
  Like
• 6:55
  I
• 6:55
  said,
• 6:55
  you're
• 6:55
  never
• 6:56
  going
• 6:56
  to
• 6:56
  get
• 6:56
  that
• 6:56
  time
• 6:56
  back.
• 6:59
  And
• 6:59
  once
• 6:59
  you
• 6:59
  look
• 7:00
  at
• 7:00
  that,
• 7:00
  look
• 7:00
  at
• 7:00
  how
• 7:00
  you're
• 7:01
  using
• 7:01
  or
• 7:01
  hey,
• 7:01
  a
• 7:02
  lot
• 7:02
  of
• 7:02
  people
• 7:03
  guilty
• 7:03
  of
• 7:03
  this
• 7:03
  myself
• 7:05
  are
• 7:05
  just
• 7:06
  ignoring
• 7:06
  your
• 7:06
  talents.
• 7:09
  And
• 7:09
  then
• 7:09
  just
• 7:09
  realign
• 7:10
  one
• 7:10
  area
• 7:11
  this
• 7:11
  week
• 7:11
  with
• 7:11
  intentionality
• 7:12
  and
• 7:13
  impact.
• 7:13
  So
• 7:13
  let's
• 7:14
  talk
• 7:14
  about
• 7:14
  your
• 7:14
  action
• 7:15
  step
• 7:15
  for
• 7:15
  today.
• 7:16
  I
• 7:16
  want
• 7:16
  you
• 7:16
  to
• 7:16
  do
• 7:16
  what
• 7:17
  I
• 7:17
  call
• 7:17
  a
• 7:17
  time
• 7:18
  mini
• 7:18
  audit.
• 7:19
  I
• 7:19
  just
• 7:20
  want
• 7:20
  you
• 7:20
  to
• 7:20
  track
• 7:20
  your
• 7:21
  time
• 7:21
  in
• 7:21
  30
• 7:21
  minute
• 7:22
  chunks.
• 7:22
  I
• 7:22
  just
• 7:22
  want
• 7:22
  you
• 7:22
  to
• 7:22
  take
• 7:23
  the
• 7:23
  day.
• 7:23
  Listen,
• 7:24
  I
• 7:24
  do
• 7:24
  it
• 7:24
  in
• 7:24
  my
• 7:24
  accounting
• 7:24
  practice
• 7:25
  all
• 7:25
  the
• 7:25
  time.
• 7:26
  Take
• 7:27
  the
• 7:27
  day
• 7:27
  and
• 7:27
  just
• 7:28
  track
• 7:28
  where
• 7:28
  you're
• 7:28
  spending
• 7:29
  your
• 7:29
  time.
• 7:29
  No
• 7:29
  guilt,
• 7:30
  no
• 7:30
  shame,
• 7:30
  just
• 7:31
  awareness.
• 7:31
  Hey,
• 7:32
  I
• 7:32
  spent
• 7:32
  a
• 7:32
  half
• 7:33
  an
• 7:33
  hour
• 7:33
  at
• 7:33
  the
• 7:33
  gym,
• 7:34
  I
• 7:34
  spent
• 7:34
  a
• 7:34
  half
• 7:34
  an
• 7:34
  hour
• 7:35
  the
• 7:36
  Death
• 7:36
  scroll
• 7:36
  on
• 7:37
  YouTube
• 7:37
  or
• 7:38
  on
• 7:38
  TikTok
• 7:39
  or
• 7:39
  something
• 7:39
  like
• 7:39
  that.
• 7:39
  But
• 7:39
  just
• 7:40
  track
• 7:40
  your
• 7:40
  time
• 7:41
  because
• 7:41
  you
• 7:41
  want
• 7:41
  to
• 7:41
  see
• 7:42
  where
• 7:42
  your
• 7:42
  time
• 7:42
  is
• 7:43
  going.
• 7:44
  And
• 7:44
  then
• 7:44
  I
• 7:44
  just
• 7:44
  want
• 7:45
  you
• 7:45
  to
• 7:45
  really
• 7:45
  do
• 7:45
  some
• 7:46
  brainstorming
• 7:47
  and
• 7:47
  think
• 7:48
  about
• 7:48
  what
• 7:48
  you're
• 7:48
  good
• 7:49
  at.
• 7:49
  What
• 7:49
  are
• 7:50
  the
• 7:50
  things
• 7:50
  you're
• 7:50
  really
• 7:50
  good
• 7:51
  at
• 7:51
  that
• 7:51
  you're
• 7:51
  not
• 7:51
  using?
• 7:51
  I'm
• 7:52
  gonna
• 7:52
  give
• 7:52
  you
• 7:52
  a
• 7:52
  couple
• 7:52
  examples.
• 7:53
  Maybe
• 7:54
  you're
• 7:54
  good
• 7:54
  at
• 7:54
  writing,
• 7:55
  maybe
• 7:55
  you're
• 7:56
  good
• 7:56
  at
• 7:56
  hospitality.
• 7:57
  Hey,
• 7:57
  maybe
• 7:57
  you're
• 7:57
  one
• 7:58
  of
• 7:58
  those
• 7:58
  people
• 7:58
  that
• 7:58
  can
• 7:58
  organize.
• 7:59
  We
• 7:59
  talked
• 7:59
  about
• 8:00
  how
• 8:00
  to
• 8:00
  declutter
• 8:00
  our
• 8:01
  lives
• 8:01
  the
• 8:01
  other
• 8:01
  day.
• 8:02
  Maybe
• 8:02
  you're
• 8:03
  a
• 8:03
  teacher,
• 8:03
  maybe
• 8:04
  you're
• 8:04
  an
• 8:04
  encourager.
• 8:05
  Hey,
• 8:05
  maybe
• 8:05
  you're
• 8:06
  a
• 8:06
  builder,
• 8:06
  you're
• 8:06
  good
• 8:06
  with
• 8:07
  your
• 8:07
  hands.
• 8:08
  Or
• 8:09
  maybe
• 8:09
  like
• 8:09
  a
• 8:09
  lot
• 8:09
  of
• 8:09
  people,
• 8:10
  you're
• 8:10
  good
• 8:10
  at
• 8:10
  creating.
• 8:11
  So
• 8:12
  I
• 8:12
  just
• 8:12
  want
• 8:12
  you
• 8:12
  to
• 8:12
  write
• 8:13
  it
• 8:13
  down.
• 8:13
  Write
• 8:13
  down
• 8:13
  your
• 8:14
  talents,
• 8:14
  write
• 8:15
  down
• 8:15
  the
• 8:15
  things
• 8:15
  that
• 8:16
  are
• 8:16
  passion
• 8:17
  for
• 8:17
  you.
• 8:18
  And
• 8:18
  then
• 8:19
  I
• 8:19
  just
• 8:19
  want
• 8:19
  you
• 8:19
  to
• 8:19
  plan
• 8:20
  one
• 8:20
  alignment.
• 8:22
  See
• 8:22
  if
• 8:23
  it's
• 8:23
  a
• 8:23
  time
• 8:23
  issue.
• 8:25
  If
• 8:25
  you
• 8:25
  did
• 8:25
  that
• 8:26
  mini
• 8:26
  audit
• 8:27
  and
• 8:27
  you're
• 8:27
  like,
• 8:27
  Ralph,
• 8:28
  I
• 8:28
  didn't
• 8:28
  realize
• 8:28
  how
• 8:29
  much
• 8:29
  time
• 8:29
  I
• 8:29
  spend
• 8:30
  endlessly
• 8:30
  scrolling
• 8:31
  or
• 8:31
  how
• 8:31
  much
• 8:31
  time
• 8:32
  I
• 8:32
  spend
• 8:32
  watching
• 8:33
  tv.
• 8:35
  But
• 8:35
  I'm
• 8:35
  not
• 8:35
  using
• 8:36
  my
• 8:36
  talents.
• 8:37
  Well
• 8:37
  then
• 8:37
  obviously
• 8:38
  cut
• 8:38
  back
• 8:38
  on
• 8:38
  those
• 8:39
  time
• 8:39
  wasters.
• 8:41
  Maybe
• 8:41
  you're
• 8:41
  just
• 8:41
  beat,
• 8:42
  tired,
• 8:42
  you
• 8:43
  don't
• 8:43
  have
• 8:43
  time
• 8:43
  to
• 8:43
  function.
• 8:45
  Well,
• 8:46
  maybe
• 8:46
  you
• 8:46
  need
• 8:46
  to
• 8:46
  reinvest
• 8:47
  that
• 8:47
  time
• 8:47
  in
• 8:47
  rest
• 8:49
  or
• 8:49
  maybe
• 8:49
  service
• 8:50
  or
• 8:50
  hey,
• 8:50
  maybe
• 8:51
  you
• 8:51
  need
• 8:51
  to
• 8:51
  grow
• 8:51
  your
• 8:52
  talents.
• 8:55
  And
• 8:55
  then
• 8:55
  if
• 8:55
  it's
• 8:55
  not
• 8:55
  a
• 8:56
  time
• 8:56
  issue,
• 8:56
  maybe,
• 8:56
  hey,
• 8:57
  Ralph,
• 8:57
  I've
• 8:58
  got
• 8:58
  these
• 8:58
  talents,
• 8:58
  I
• 8:58
  just
• 8:59
  don't
• 8:59
  use
• 8:59
  them.
• 9:00
  Well,
• 9:01
  offer
• 9:01
  it
• 9:01
  to
• 9:01
  your
• 9:01
  church.
• 9:03
  The
• 9:03
  church
• 9:03
  is
• 9:04
  looking
• 9:04
  for
• 9:04
  people
• 9:04
  who
• 9:04
  have
• 9:05
  talents,
• 9:05
  who
• 9:05
  can
• 9:06
  bring
• 9:06
  talents
• 9:07
  to
• 9:07
  help
• 9:07
  out
• 9:07
  with
• 9:08
  other
• 9:08
  people
• 9:08
  in
• 9:09
  the
• 9:09
  community,
• 9:10
  maybe
• 9:11
  use
• 9:11
  your
• 9:11
  talents
• 9:11
  to
• 9:12
  bless
• 9:12
  a
• 9:12
  friend,
• 9:12
  if
• 9:13
  you
• 9:13
  like
• 9:13
  to
• 9:13
  write,
• 9:13
  help
• 9:14
  them,
• 9:14
  maybe
• 9:14
  write
• 9:14
  them
• 9:14
  a
• 9:15
  note.
• 9:15
  That's
• 9:15
  one
• 9:15
  of
• 9:15
  the
• 9:15
  things
• 9:16
  we
• 9:16
  don't
• 9:16
  see
• 9:16
  a
• 9:16
  lot
• 9:16
  of
• 9:17
  anymore,
• 9:17
  just
• 9:17
  people
• 9:17
  writing
• 9:18
  notes.
• 9:20
  And
• 9:20
  then
• 9:20
  because
• 9:21
  this
• 9:21
  is
• 9:21
  a
• 9:21
  finance
• 9:21
  show,
• 9:22
  answer
• 9:23
  this
• 9:23
  question.
• 9:24
  Maybe
• 9:25
  you
• 9:25
  use
• 9:25
  that
• 9:25
  talent
• 9:26
  to
• 9:26
  generate
• 9:26
  income.
• 9:29
  So
• 9:29
  understand
• 9:30
  where
• 9:30
  your
• 9:30
  time
• 9:30
  is
• 9:31
  going,
• 9:32
  brainstorm
• 9:33
  on
• 9:33
  what
• 9:33
  your
• 9:33
  talents
• 9:33
  are
• 9:34
  and
• 9:35
  then
• 9:35
  decide,
• 9:35
  hey,
• 9:35
  am
• 9:36
  I
• 9:36
  not
• 9:36
  using
• 9:36
  my
• 9:36
  talents
• 9:37
  because
• 9:37
  I
• 9:37
  don't
• 9:37
  have
• 9:37
  enough
• 9:38
  time?
• 9:38
  Will
• 9:38
  look
• 9:39
  for
• 9:39
  ways
• 9:39
  to
• 9:39
  find
• 9:40
  more
• 9:40
  time,
• 9:40
  eliminate
• 9:41
  stuff
• 9:41
  that's
• 9:41
  not
• 9:42
  getting
• 9:42
  you
• 9:42
  to
• 9:42
  your
• 9:43
  talents,
• 9:43
  to
• 9:44
  your
• 9:44
  core
• 9:44
  purpose
• 9:44
  in
• 9:45
  life.
• 9:46
  And
• 9:46
  then
• 9:46
  I'm
• 9:46
  just
• 9:46
  going
• 9:47
  to
• 9:47
  encourage
• 9:47
  you
• 9:47
  to
• 9:47
  use
• 9:48
  those
• 9:48
  talents
• 9:50
  and
• 9:50
  because
• 9:50
  all
• 9:50
  of
• 9:50
  this
• 9:51
  is
• 9:51
  going
• 9:51
  to
• 9:51
  increase
• 9:52
  self
• 9:52
  awareness
• 9:53
  until
• 9:53
  you
• 9:53
  do
• 9:53
  that
• 9:54
  audit.
• 9:54
  And
• 9:55
  I
• 9:55
  did
• 9:55
  it
• 9:55
  just
• 9:55
  recently
• 9:56
  and
• 9:56
  I
• 9:56
  was
• 9:56
  amazed
• 9:57
  how
• 9:57
  many
• 9:57
  time
• 9:58
  wasters
• 9:58
  I
• 9:58
  have.
• 10:00
  And
• 10:00
  that
• 10:01
  will
• 10:01
  bring
• 10:01
  new
• 10:01
  joy
• 10:01
  and
• 10:02
  fulfillment
• 10:02
  to
• 10:02
  your
• 10:02
  life
• 10:03
  because
• 10:03
  you're
• 10:03
  going
• 10:03
  to
• 10:03
  realize,
• 10:04
  hey,
• 10:04
  wait
• 10:04
  a
• 10:04
  minute,
• 10:05
  I'm
• 10:05
  wasting
• 10:06
  so
• 10:06
  much
• 10:06
  time
• 10:06
  on
• 10:07
  this
• 10:07
  screen,
• 10:07
  just
• 10:07
  scrolling
• 10:08
  and
• 10:08
  scrolling
• 10:09
  and
• 10:09
  scrolling.
• 10:11
  And
• 10:11
  when
• 10:11
  you
• 10:12
  really
• 10:12
  do
• 10:12
  this
• 10:12
  and
• 10:12
  you
• 10:13
  start
• 10:13
  to
• 10:13
  brainstorm
• 10:14
  your
• 10:14
  talents,
• 10:14
  it's
• 10:15
  going
• 10:15
  to
• 10:15
  bring
• 10:15
  fresh
• 10:16
  energy.
• 10:16
  Hey,
• 10:17
  and
• 10:17
  even
• 10:17
  maybe
• 10:18
  more
• 10:18
  income.
• 10:18
  Hey,
• 10:18
  that
• 10:19
  could
• 10:19
  help
• 10:19
  the
• 10:19
  bottom
• 10:19
  line.
• 10:21
  But
• 10:21
  bigger
• 10:22
  than
• 10:22
  all
• 10:22
  those
• 10:22
  things,
• 10:23
  larger
• 10:24
  than
• 10:24
  all
• 10:24
  that,
• 10:26
  it
• 10:26
  really
• 10:26
  does
• 10:26
  honor
• 10:27
  God
• 10:27
  with
• 10:27
  every
• 10:28
  resource
• 10:28
  that
• 10:29
  he's
• 10:29
  given
• 10:29
  you.
• 10:31
  Let's
• 10:31
  pray
• 10:31
  together.
• 10:32
  Father
• 10:33
  God,
• 10:33
  we
• 10:33
  just
• 10:33
  thank
• 10:33
  you
• 10:34
  for
• 10:34
  the
• 10:34
  incredible
• 10:34
  gifts
• 10:35
  of
• 10:35
  time
• 10:35
  and
• 10:35
  the
• 10:36
  unique
• 10:36
  talents
• 10:36
  you've
• 10:37
  placed
• 10:37
  in
• 10:37
  each
• 10:37
  one
• 10:38
  of
• 10:38
  us,
• 10:38
  Lord.
• 10:39
  And
• 10:39
  we
• 10:39
  confess
• 10:40
  that
• 10:40
  sometimes
• 10:41
  we
• 10:41
  truly
• 10:41
  do
• 10:42
  waste
• 10:42
  time
• 10:42
  or
• 10:43
  we
• 10:43
  neglect
• 10:43
  the
• 10:43
  gifts
• 10:44
  you've
• 10:44
  placed
• 10:44
  inside
• 10:45
  of
• 10:45
  us.
• 10:46
  So
• 10:46
  Lord,
• 10:47
  we
• 10:47
  would
• 10:47
  just
• 10:47
  ask
• 10:47
  you
• 10:47
  to
• 10:48
  help
• 10:48
  us
• 10:48
  see
• 10:49
  clearly
• 10:49
  how
• 10:49
  you
• 10:49
  want
• 10:50
  us
• 10:50
  to
• 10:50
  serve,
• 10:51
  Lord.
• 10:51
  Teach
• 10:51
  us
• 10:51
  to
• 10:52
  manage
• 10:52
  our
• 10:52
  time
• 10:52
  with
• 10:53
  wisdom
• 10:53
  and
• 10:53
  to
• 10:54
  use
• 10:54
  our
• 10:54
  talents
• 10:55
  boldly.
• 10:55
  In
• 10:55
  love,
• 10:57
  Lord.
• 10:57
  May
• 10:57
  our
• 10:58
  daily
• 10:58
  choices
• 10:58
  reflect
• 10:59
  your
• 10:59
  purposes
• 10:59
  for
• 11:00
  our
• 11:00
  lives
• 11:00
  and
• 11:00
  may
• 11:01
  our
• 11:01
  work
• 11:02
  and
• 11:02
  rest
• 11:02
  bring
• 11:03
  you
• 11:03
  glory.
• 11:04
  And
• 11:05
  we
• 11:05
  ask
• 11:05
  this
• 11:05
  with
• 11:05
  confidence
• 11:06
  in
• 11:06
  Jesus
• 11:07
  name.
• 11:08
  Amen,
• 11:10
  friend.
• 11:10
  And
• 11:10
  I
• 11:10
  want
• 11:10
  you
• 11:10
  to
• 11:11
  hear
• 11:11
  this
• 11:11
  today.
• 11:12
  Someone
• 11:13
  listening
• 11:13
  right
• 11:13
  now.
• 11:14
  Maybe
• 11:14
  it's
• 11:14
  you.
• 11:14
  You're
• 11:14
  listening
• 11:15
  right
• 11:15
  now.
• 11:15
  You're
• 11:15
  like,
• 11:16
  ralph,
• 11:16
  I
• 11:16
  need
• 11:17
  some
• 11:17
  encouragement
• 11:17
  today.
• 11:19
  Been
• 11:19
  battling
• 11:20
  with
• 11:20
  your
• 11:20
  finances
• 11:21
  and
• 11:21
  it
• 11:21
  feels
• 11:21
  like
• 11:21
  it's
• 11:21
  just
• 11:21
  an
• 11:22
  uphill
• 11:22
  battle.
• 11:24
  I
• 11:24
  want
• 11:24
  you
• 11:24
  to
• 11:25
  know
• 11:25
  you're
• 11:25
  more
• 11:25
  than
• 11:25
  your
• 11:26
  budget.
• 11:27
  God
• 11:28
  entrusted
• 11:28
  you
• 11:29
  with
• 11:29
  time,
• 11:29
  with
• 11:30
  talents
• 11:31
  and
• 11:31
  with
• 11:31
  influence.
• 11:33
  So
• 11:33
  today
• 11:34
  I
• 11:34
  just
• 11:34
  want
• 11:34
  to
• 11:34
  encourage
• 11:35
  you,
• 11:35
  track
• 11:35
  your
• 11:35
  time,
• 11:36
  rediscover
• 11:37
  one
• 11:37
  gift
• 11:38
  and
• 11:38
  ask,
• 11:38
  how
• 11:39
  can
• 11:39
  I
• 11:39
  steward
• 11:39
  this
• 11:40
  better
• 11:40
  starting
• 11:41
  today?
• 11:43
  Because
• 11:43
  here's
• 11:44
  the
• 11:44
  truth.
• 11:44
  You're
• 11:44
  moving
• 11:45
  towards
• 11:45
  holistic
• 11:45
  freedom.
• 11:46
  Freedom.
• 11:46
  That's
• 11:47
  spiritual
• 11:47
  freedom.
• 11:48
  That's
• 11:48
  financial
• 11:49
  and
• 11:49
  more
• 11:50
  importantly,
• 11:51
  freedom.
• 11:52
  That
• 11:52
  is
• 11:52
  purposeful.
• 11:54
  And
• 11:54
  while
• 11:55
  we're
• 11:55
  talking
• 11:55
  about
• 11:55
  purposeful,
• 11:56
  I
• 11:56
  would
• 11:57
  love
• 11:57
  it
• 11:57
  if
• 11:57
  you
• 11:57
  would
• 11:57
  share
• 11:58
  this
• 11:58
  show
• 11:58
  with
• 11:58
  somebody
• 11:59
  else.
• 11:59
  Just
• 12:00
  grab
• 12:00
  your
• 12:00
  phone,
• 12:01
  grab
• 12:01
  your
• 12:01
  email
• 12:02
  and
• 12:02
  just
• 12:02
  send
• 12:02
  a
• 12:03
  quick
• 12:03
  message
• 12:03
  to
• 12:04
  somebody
• 12:04
  and
• 12:04
  say,
• 12:04
  hey,
• 12:04
  I
• 12:05
  listen
• 12:05
  to
• 12:05
  this
• 12:05
  daily
• 12:06
  show.
• 12:06
  It's
• 12:06
  called
• 12:07
  Financially
• 12:07
  Confident
• 12:08
  Christian.
• 12:08
  And
• 12:08
  it
• 12:09
  really
• 12:09
  helps
• 12:09
  me,
• 12:09
  you
• 12:10
  know,
• 12:10
  break
• 12:10
  that
• 12:10
  cycle
• 12:11
  of
• 12:11
  financial
• 12:11
  shame.
• 12:11
  And
• 12:12
  I'm
• 12:12
  learning
• 12:12
  new
• 12:12
  things
• 12:13
  every
• 12:13
  day
• 12:13
  and
• 12:13
  I'm
• 12:14
  really
• 12:14
  enjoying
• 12:15
  the
• 12:15
  empowerment
• 12:16
  and
• 12:16
  and
• 12:16
  I
• 12:16
  really
• 12:17
  think
• 12:17
  you
• 12:17
  would
• 12:17
  love
• 12:17
  this
• 12:18
  too.
• 12:18
  Just
• 12:19
  send
• 12:19
  them
• 12:19
  to
• 12:19
  financiallyconfidentchristian.com
• 12:22
  and
• 12:22
  I
• 12:23
  also
• 12:23
  want
• 12:23
  to
• 12:23
  encourage
• 12:23
  you
• 12:23
  to
• 12:23
  go
• 12:24
  grab
• 12:24
  a
• 12:24
  copy
• 12:24
  of
• 12:24
  my
• 12:24
  book.
• 12:25
  Hey,
• 12:25
  I'm
• 12:25
  only
• 12:25
  going
• 12:25
  to
• 12:25
  offer
• 12:26
  this
• 12:26
  for
• 12:26
  a
• 12:26
  few
• 12:26
  more
• 12:27
  days.
• 12:27
  It's
• 12:28
  called
• 12:28
  Mastering
• 12:28
  Your
• 12:29
  Finances.
• 12:29
  It's
• 12:29
  a
• 12:29
  quick
• 12:29
  book,
• 12:30
  but
• 12:30
  it
• 12:30
  is
• 12:30
  super
• 12:31
  impactful
• 12:32
  to
• 12:32
  improving
• 12:33
  your
• 12:33
  financial
• 12:33
  situation.
• 12:34
  The
• 12:34
  best
• 12:35
  way
• 12:35
  to
• 12:35
  get
• 12:35
  that
• 12:35
  is
• 12:36
  to
• 12:36
  go
• 12:36
  to
• 12:36
  financiallyconfidentchristian.com/master
• 12:40
  now.
• 12:41
  Tomorrow
• 12:41
  we're
• 12:41
  going
• 12:41
  to
• 12:41
  be
• 12:41
  wrapping
• 12:42
  up
• 12:42
  the
• 12:42
  week
• 12:42
  with
• 12:42
  a
• 12:42
  powerful
• 12:43
  episode
• 12:43
  on
• 12:43
  Investing
• 12:44
  for
• 12:44
  Purpose.
• 12:46
  I'm
• 12:46
  going
• 12:46
  to
• 12:46
  get
• 12:46
  a
• 12:46
  little
• 12:46
  controversial
• 12:47
  tomorrow,
• 12:48
  so
• 12:48
  be
• 12:48
  ready
• 12:48
  to
• 12:49
  join
• 12:49
  me
• 12:49
  because
• 12:49
  I'm
• 12:49
  going
• 12:49
  to
• 12:49
  be
• 12:49
  talking
• 12:50
  about
• 12:50
  investing
• 12:50
  for
• 12:50
  purpose,
• 12:51
  not
• 12:51
  just
• 12:52
  return.
• 12:52
  See,
• 12:52
  the
• 12:53
  world
• 12:53
  will
• 12:53
  tell
• 12:53
  you,
• 12:53
  hey,
• 12:54
  go
• 12:54
  get
• 12:54
  those
• 12:54
  high
• 12:54
  returns.
• 12:55
  Go
• 12:55
  get
• 12:56
  those,
• 12:56
  those
• 12:56
  huge
• 12:57
  returns.
• 12:58
  I'm
• 12:58
  going
• 12:58
  to
• 12:58
  kind
• 12:58
  of
• 12:59
  flip
• 12:59
  the
• 12:59
  script
• 12:59
  a
• 12:59
  little
• 12:59
  bit
• 12:59
  tomorrow
• 13:00
  so
• 13:00
  you
• 13:00
  don't
• 13:00
  want
• 13:00
  to
• 13:00
  miss
• 13:00
  that.
• 13:01
  And
• 13:02
  until
• 13:02
  then,
• 13:02
  I
• 13:02
  just
• 13:02
  want
• 13:02
  to
• 13:03
  encourage
• 13:03
  you
• 13:03
  today.
• 13:04
  Stay
• 13:04
  focused,
• 13:05
  stay
• 13:06
  faithful.
• 13:07
  Let's
• 13:07
  all
• 13:07
  go
• 13:07
  out
• 13:08
  there
• 13:08
  and
• 13:08
  be
• 13:08
  those
• 13:09
  financially
• 13:09
  confident
• 13:10
  Christians.
• 13:11
  You
• 13:11
  can
• 13:12
  do
• 13:12
  this.
• 13:13
  I
• 13:13
  have
• 13:13
  confidence
• 13:14
  in
• 13:14
  you.
• 13:14
  Have
• 13:14
  confidence
• 13:15
  in
• 13:15
  yourself.
• 13:15
  Stay
• 13:16
  financially
• 13:16
  savvy.
• 13:17
  God
• 13:17
  bless
• 13:18
  you
• 13:18
  and
• 13:18
  you
• 13:18
  have
• 13:19
  a
• 13:19
  great
• 13:19
  day
• 13:19
  today.
• 13:19
  Thank
• 13:20
  you
• 13:20
  for
• 13:20
  joining
• 13:20
  us
• 13:21
  today
• 13:21
  on
• 13:21
  the
• 13:21
  Financially
• 13:22
  Confident
• 13:23
  Christian
• 13:23
  show,
• 13:24
  where
• 13:24
  we're
• 13:24
  breaking
• 13:25
  the
• 13:25
  cycle
• 13:25
  of
• 13:25
  financial
• 13:26
  shame
• 13:26
  with
• 13:26
  confidence
• 13:27
  and
• 13:27
  faith.
• 13:27
  If
• 13:28
  you
• 13:28
  found
• 13:28
  value
• 13:28
  in
• 13:29
  this
• 13:29
  episode,
• 13:30
  a
• 13:30
  simple
• 13:30
  click
• 13:31
  to
• 13:31
  subscribe
• 13:31
  means
• 13:31
  you'll
• 13:32
  be
• 13:32
  invited
• 13:32
  right
• 13:33
  back
• 13:33
  for
• 13:33
  our
• 13:33
  next
• 13:33
  conversation.
• 13:34
  And
• 13:35
  remember,
• 13:35
  financial
• 13:36
  challenges
• 13:36
  don't
• 13:37
  have
• 13:37
  to
• 13:37
  be
• 13:37
  overwhelming.
• 13:38
  Just
• 13:38
  Ask
• 13:38
  Ralph.
• 13:39
  This
• 13:40
  show
• 13:40
  is
• 13:40
  a
• 13:40
  production
• 13:40
  of
• 13:41
  Ask
• 13:41
  Ralph
• 13:41
  Media
• 13:41
  and
• 13:42
  is
• 13:42
  supported
• 13:42
  by
• 13:42
  Saggio
• 13:43
  Accounting
• 13:43
  Plus.
• 13:44
  The
• 13:45
  information
• 13:45
  shared
• 13:45
  in
• 13:45
  this
• 13:46
  episode
• 13:46
  is
• 13:46
  based
• 13:46
  on
• 13:47
  data
• 13:47
  available
• 13:47
  as
• 13:48
  of
• 13:48
  the
• 13:48
  date
• 13:48
  of
• 13:48
  release.
• 13:49
  Saggio
• 13:50
  Accounting
• 13:50
  plus
• 13:51
  and
• 13:51
  Ask
• 13:51
  Ralph
• 13:52
  Media,
• 13:52
  Inc.
• 13:53
  are
• 13:53
  under
• 13:53
  no
• 13:53
  obligation
• 13:54
  to
• 13:54
  update
• 13:54
  this
• 13:55
  content
• 13:55
  if
• 13:55
  circumstances
• 13:56
  change.
• 13:57
  Please
• 13:57
  note
• 13:58
  that
• 13:58
  applying
• 13:58
  this
• 13:58
  information
• 13:59
  to
• 13:59
  your
• 13:59
  personal
• 14:00
  situation
• 14:01
  requires
• 14:01
  careful
• 14:02
  consideration.
• 14:03
  This
• 14:03
  episode
• 14:04
  is
• 14:04
  not
• 14:04
  intended
• 14:04
  intended
• 14:05
  to
• 14:05
  serve
• 14:05
  as
• 14:05
  financial,
• 14:06
  tax
• 14:06
  or
• 14:07
  legal
• 14:07
  advice.
• 14:08
  Always
• 14:08
  consult
• 14:09
  your
• 14:09
  trusted
• 14:09
  tax
• 14:10
  advisor
• 14:10
  or
• 14:10
  attorney
• 14:11
  before
• 14:11
  taking
• 14:12
  action
• 14:12
  based
• 14:13
  on
• 14:13
  anything
• 14:13
  we've
• 14:14
  discussed.