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Why Do Emergencies Keep Wiping Out My Savings? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  been
• 0:38
  working
• 0:38
  hard
• 0:38
  to
• 0:38
  save
• 0:39
  money?
• 0:40
  And
• 0:40
  then
• 0:40
  you
• 0:40
  find
• 0:41
  yourself
• 0:41
  at
• 0:41
  the
• 0:41
  automobile
• 0:42
  shop,
• 0:43
  the
• 0:43
  hood's
• 0:44
  up,
• 0:44
  the
• 0:45
  mechanics
• 0:45
  explaining
• 0:46
  the
• 0:46
  cost.
• 0:47
  You're
• 0:47
  not
• 0:47
  shocked
• 0:48
  anymore.
• 0:49
  You're
• 0:49
  just
• 0:50
  tired
• 0:50
  of
• 0:50
  it.
• 0:51
  You
• 0:51
  work
• 0:52
  so
• 0:52
  hard
• 0:52
  to
• 0:52
  build
• 0:53
  that
• 0:53
  savings
• 0:55
  and
• 0:55
  now
• 0:55
  it's
• 0:55
  gone
• 0:56
  again.
• 0:57
  If
• 0:57
  you're
• 0:58
  exhausted
• 0:58
  from
• 0:58
  a
• 0:59
  building
• 0:59
  the
• 0:59
  same
• 0:59
  savings
• 1:00
  over
• 1:00
  and
• 1:00
  over,
• 1:02
  today's
• 1:02
  going
• 1:02
  to
• 1:02
  be
• 1:03
  about
• 1:03
  breaking
• 1:03
  that
• 1:03
  cycle.
• 1:26
  Hey,
• 1:26
  friend.
• 1:26
  Ralph
• 1:27
  Estep
• 1:27
  Jr.
• 1:27
  Here.
• 1:28
  This
• 1:28
  is
• 1:29
  financially
• 1:29
  confident
• 1:30
  Christian.
• 1:31
  We
• 1:31
  work
• 1:31
  to
• 1:31
  break
• 1:32
  that
• 1:32
  cycle
• 1:32
  of
• 1:32
  financial
• 1:33
  shame
• 1:33
  and
• 1:34
  help
• 1:34
  you
• 1:34
  really
• 1:34
  live
• 1:34
  in
• 1:35
  confidence.
• 1:36
  And
• 1:36
  today's
• 1:37
  topic
• 1:37
  is
• 1:39
  why
• 1:39
  those
• 1:40
  emergencies
• 1:40
  keep
• 1:41
  wiping
• 1:41
  out
• 1:41
  your
• 1:41
  savings.
• 1:43
  Let's
• 1:43
  get
• 1:43
  into
• 1:44
  today's
• 1:44
  listener
• 1:44
  question.
• 1:46
  Ralph
• 1:47
  Every
• 1:47
  time
• 1:47
  I
• 1:47
  manage
• 1:48
  to
• 1:48
  save
• 1:48
  a
• 1:48
  little
• 1:48
  money,
• 1:49
  something
• 1:50
  comes
• 1:50
  up
• 1:51
  and
• 1:51
  I
• 1:51
  have
• 1:51
  to
• 1:51
  drain
• 1:52
  it
• 1:52
  again.
• 1:53
  Car
• 1:54
  repair,
• 1:55
  medical
• 1:55
  bill,
• 1:56
  whatever.
• 1:57
  It's
• 1:57
  always
• 1:57
  something.
• 1:58
  I
• 1:59
  am
• 1:59
  so
• 1:59
  tired
• 1:59
  of
• 2:00
  this
• 2:00
  cycle.
• 2:01
  I
• 2:01
  feel
• 2:01
  like
• 2:01
  I'll
• 2:02
  never
• 2:02
  get
• 2:02
  ahead
• 2:02
  because
• 2:03
  I'm
• 2:03
  constantly
• 2:04
  starting
• 2:04
  over
• 2:05
  from
• 2:05
  zero.
• 2:07
  Ralph
• 2:07
  how
• 2:07
  do
• 2:07
  I
• 2:08
  actually
• 2:08
  protect
• 2:08
  my
• 2:09
  savings
• 2:09
  and
• 2:10
  stop
• 2:10
  these
• 2:11
  emergencies
• 2:12
  from
• 2:12
  destroying
• 2:13
  all
• 2:13
  my
• 2:13
  progress?
• 2:15
  First
• 2:16
  of
• 2:16
  all,
• 2:16
  thank
• 2:16
  you
• 2:16
  for
• 2:16
  sharing
• 2:17
  your
• 2:17
  question.
• 2:17
  If
• 2:18
  you've
• 2:18
  got
• 2:18
  a
• 2:18
  question
• 2:18
  for
• 2:19
  this
• 2:19
  show,
• 2:19
  go
• 2:20
  to
• 2:20
  financiallyconfidentchristian.com/question.
• 2:23
  And
• 2:24
  I'd
• 2:24
  love
• 2:24
  to
• 2:24
  answer
• 2:24
  your
• 2:25
  question,
• 2:26
  but
• 2:26
  today's
• 2:26
  big
• 2:27
  idea
• 2:27
  is
• 2:28
  this.
• 2:28
  And
• 2:29
  this
• 2:29
  is
• 2:29
  going
• 2:29
  to
• 2:29
  sting
• 2:29
  a
• 2:29
  little
• 2:30
  bit,
• 2:30
  so
• 2:30
  get
• 2:30
  ready.
• 2:31
  If
• 2:32
  this
• 2:32
  happens
• 2:32
  regularly,
• 2:34
  it's
• 2:34
  not
• 2:34
  an
• 2:35
  emergency.
• 2:36
  It's
• 2:37
  just
• 2:37
  not.
• 2:38
  It's
• 2:39
  a
• 2:39
  category.
• 2:40
  But
• 2:41
  let's
• 2:41
  get
• 2:41
  to
• 2:41
  fixing
• 2:42
  this
• 2:42
  today.
• 2:43
  Which
• 2:43
  leads
• 2:44
  me
• 2:44
  to
• 2:44
  the
• 2:44
  first
• 2:45
  thing
• 2:45
  you've
• 2:45
  got
• 2:46
  to
• 2:46
  explain
• 2:47
  to
• 2:47
  yourself.
• 2:47
  You
• 2:48
  got
• 2:48
  to
• 2:48
  redefine
• 2:49
  what
• 2:49
  emergency
• 2:50
  really
• 2:50
  means.
• 2:51
  I've
• 2:52
  heard
• 2:52
  this
• 2:52
  so
• 2:53
  many
• 2:53
  times.
• 2:53
  I've
• 2:53
  heard
• 2:53
  it
• 2:54
  from
• 2:54
  my
• 2:54
  wife,
• 2:54
  I
• 2:54
  heard
• 2:55
  it
• 2:55
  from
• 2:55
  my
• 2:55
  children.
• 2:55
  I've
• 2:56
  heard
• 2:56
  it
• 2:56
  from
• 2:56
  other
• 2:56
  people.
• 2:57
  We
• 2:57
  had
• 2:57
  an
• 2:57
  emergency.
• 2:59
  Well,
• 2:59
  what
• 3:00
  is
• 3:00
  an
• 3:00
  emergency?
• 3:02
  Is
• 3:02
  it
• 3:02
  car
• 3:02
  repairs?
• 3:04
  Is
• 3:04
  it
• 3:04
  those
• 3:05
  medical
• 3:05
  co
• 3:05
  pays,
• 3:07
  home
• 3:07
  maintenance?
• 3:09
  Those
• 3:10
  aren't
• 3:10
  rare
• 3:10
  disasters.
• 3:12
  Those
• 3:12
  aren't
• 3:12
  emergencies.
• 3:13
  Those
• 3:14
  are
• 3:14
  predictable.
• 3:15
  Maybe
• 3:15
  they're
• 3:15
  irregular,
• 3:16
  but.
• 3:17
  But
• 3:17
  they
• 3:17
  are
• 3:17
  predictable.
• 3:19
  An
• 3:19
  emergency
• 3:21
  is
• 3:21
  a
• 3:21
  job
• 3:21
  loss
• 3:22
  you
• 3:22
  weren't
• 3:22
  expecting.
• 3:24
  An
• 3:24
  emergency
• 3:25
  is
• 3:25
  a
• 3:25
  major
• 3:25
  medical
• 3:26
  crisis.
• 3:26
  You
• 3:27
  weren't
• 3:27
  expecting
• 3:28
  a
• 3:28
  true
• 3:28
  disruption
• 3:29
  to
• 3:29
  your
• 3:29
  system.
• 3:31
  And
• 3:31
  see,
• 3:31
  when
• 3:31
  you
• 3:32
  label
• 3:32
  everything
• 3:33
  emergency,
• 3:35
  your
• 3:35
  savings
• 3:35
  never
• 3:36
  stands
• 3:36
  a
• 3:36
  chance
• 3:37
  because
• 3:37
  everything's
• 3:38
  an
• 3:38
  emergency.
• 3:40
  So
• 3:40
  how
• 3:40
  do
• 3:40
  you
• 3:41
  break
• 3:41
  that?
• 3:41
  Number
• 3:42
  one
• 3:42
  thing
• 3:42
  you've
• 3:42
  got
• 3:42
  to
• 3:42
  do
• 3:43
  is
• 3:43
  you've
• 3:43
  got
• 3:43
  to
• 3:43
  separate
• 3:44
  your
• 3:44
  savings
• 3:44
  into
• 3:45
  layers.
• 3:46
  So
• 3:46
  many
• 3:46
  people
• 3:47
  have
• 3:47
  their
• 3:47
  savings
• 3:48
  account,
• 3:48
  their
• 3:48
  emergency
• 3:49
  fund,
• 3:49
  just
• 3:50
  one
• 3:50
  big
• 3:50
  pile
• 3:51
  and
• 3:52
  it
• 3:52
  feels
• 3:52
  good
• 3:52
  because
• 3:53
  you're,
• 3:53
  oh,
• 3:53
  I've
• 3:53
  got
• 3:53
  this
• 3:54
  great
• 3:54
  pile.
• 3:54
  I've
• 3:54
  got
• 3:54
  this
• 3:55
  savings
• 3:56
  feels
• 3:57
  great
• 3:57
  till
• 3:57
  it
• 3:57
  disappears,
• 3:58
  right?
• 4:00
  So
• 4:00
  instead
• 4:00
  of
• 4:00
  that
• 4:01
  create
• 4:01
  some
• 4:01
  layers.
• 4:03
  Start
• 4:04
  off
• 4:04
  with
• 4:04
  an
• 4:04
  emergency
• 4:05
  fund,
• 4:05
  what
• 4:05
  I
• 4:05
  call
• 4:06
  a
• 4:06
  true
• 4:07
  crisis
• 4:07
  only
• 4:08
  fund.
• 4:08
  I
• 4:08
  mean
• 4:08
  this
• 4:09
  is
• 4:09
  the
• 4:09
  thing
• 4:09
  that.
• 4:09
  This
• 4:10
  isn't
• 4:10
  about
• 4:10
  repairs
• 4:11
  and
• 4:11
  maintenance.
• 4:11
  This
• 4:12
  is
• 4:12
  the
• 4:12
  emergency.
• 4:12
  This
• 4:13
  is
• 4:13
  all
• 4:13
  hands
• 4:14
  on
• 4:14
  deck.
• 4:14
  We
• 4:14
  got
• 4:14
  a
• 4:14
  problem.
• 4:16
  But
• 4:16
  then
• 4:16
  maybe
• 4:17
  you
• 4:17
  need
• 4:17
  a
• 4:17
  car
• 4:17
  repair
• 4:18
  fund.
• 4:19
  Maybe
• 4:20
  you've
• 4:20
  got
• 4:20
  a
• 4:20
  jalopy
• 4:21
  that's
• 4:21
  on
• 4:21
  its
• 4:21
  last
• 4:21
  leg
• 4:22
  and
• 4:22
  this
• 4:22
  thing
• 4:22
  is
• 4:22
  at
• 4:22
  the
• 4:23
  mechanic
• 4:23
  shop
• 4:23
  all
• 4:23
  the
• 4:24
  time.
• 4:24
  That's
• 4:25
  not
• 4:25
  an
• 4:25
  emergency,
• 4:26
  that's
• 4:26
  an
• 4:26
  issue
• 4:27
  that
• 4:27
  needs
• 4:27
  to
• 4:27
  be
• 4:28
  accounted
• 4:29
  for.
• 4:29
  Create
• 4:29
  that
• 4:30
  car
• 4:30
  repair
• 4:30
  fund.
• 4:32
  Maybe
• 4:32
  you
• 4:32
  need
• 4:32
  that
• 4:33
  medical
• 4:33
  fund.
• 4:33
  Listen,
• 4:34
  when
• 4:34
  my
• 4:34
  kids
• 4:34
  were
• 4:34
  young,
• 4:35
  I
• 4:35
  knew
• 4:36
  we
• 4:36
  were
• 4:36
  going
• 4:37
  to
• 4:37
  be
• 4:37
  going
• 4:37
  to
• 4:37
  the
• 4:37
  doctor.
• 4:38
  There
• 4:38
  was
• 4:39
  going
• 4:39
  to
• 4:39
  be
• 4:39
  co
• 4:39
  pays,
• 4:40
  there
• 4:40
  was
• 4:40
  going
• 4:40
  to
• 4:40
  be
• 4:40
  medical,
• 4:41
  was
• 4:41
  going
• 4:41
  to
• 4:42
  be
• 4:42
  medicines
• 4:42
  in
• 4:42
  that.
• 4:43
  Again,
• 4:44
  those
• 4:44
  are
• 4:44
  not
• 4:44
  emergencies.
• 4:46
  Build
• 4:46
  that
• 4:47
  medical
• 4:47
  fund.
• 4:48
  And
• 4:49
  if
• 4:49
  you're
• 4:49
  a
• 4:49
  homeowner
• 4:50
  like
• 4:50
  most
• 4:50
  of
• 4:50
  us,
• 4:51
  guess
• 4:52
  what?
• 4:52
  Your
• 4:52
  house
• 4:53
  is
• 4:53
  going
• 4:53
  to
• 4:53
  need
• 4:53
  maintenance.
• 4:55
  It's
• 4:55
  part
• 4:55
  of
• 4:55
  being
• 4:56
  a
• 4:56
  homeowner.
• 4:57
  So
• 4:57
  build
• 4:58
  that
• 4:58
  home
• 4:58
  maintenance
• 4:58
  fund.
• 4:59
  Again,
• 4:59
  those
• 5:00
  are
• 5:00
  not
• 5:00
  emergencies.
• 5:02
  And
• 5:03
  even
• 5:03
  small
• 5:03
  amounts
• 5:04
  put
• 5:04
  into
• 5:04
  those
• 5:05
  separate
• 5:05
  buckets
• 5:06
  protect
• 5:07
  that
• 5:07
  core
• 5:07
  savings.
• 5:09
  This
• 5:09
  is
• 5:09
  what
• 5:10
  I
• 5:10
  fancily
• 5:10
  call
• 5:11
  financial
• 5:12
  compartmentalization.
• 5:14
  But
• 5:15
  it
• 5:15
  works.
• 5:16
  And
• 5:17
  once
• 5:17
  you
• 5:17
  do
• 5:17
  that,
• 5:18
  calculate
• 5:18
  the
• 5:19
  annual
• 5:19
  reality.
• 5:20
  See,
• 5:20
  this
• 5:20
  isn't
• 5:21
  about
• 5:21
  emergencies.
• 5:23
  Go
• 5:23
  back
• 5:23
  and
• 5:24
  add
• 5:24
  up
• 5:24
  what
• 5:24
  you
• 5:24
  actually
• 5:25
  spent
• 5:25
  last
• 5:25
  year
• 5:25
  on
• 5:26
  those
• 5:26
  car
• 5:26
  repairs.
• 5:27
  Get
• 5:27
  into
• 5:28
  the
• 5:28
  details,
• 5:29
  tires,
• 5:30
  maintenance,
• 5:31
  all
• 5:32
  those
• 5:32
  type
• 5:32
  of
• 5:32
  things.
• 5:33
  Build
• 5:33
  those
• 5:33
  into
• 5:34
  that
• 5:34
  fund
• 5:34
  so
• 5:35
  you
• 5:35
  know
• 5:35
  how
• 5:35
  much
• 5:35
  you
• 5:36
  need
• 5:36
  to
• 5:36
  set
• 5:36
  aside.
• 5:38
  Do
• 5:38
  the
• 5:38
  same
• 5:39
  thing
• 5:39
  with
• 5:39
  your
• 5:39
  medical
• 5:40
  stuff.
• 5:41
  Again,
• 5:42
  those
• 5:42
  are
• 5:42
  non
• 5:42
  emergencies.
• 5:44
  If
• 5:44
  you
• 5:44
  go
• 5:44
  to
• 5:45
  the
• 5:45
  doctor,
• 5:45
  build
• 5:46
  that
• 5:46
  in.
• 5:46
  How
• 5:47
  much
• 5:47
  did
• 5:47
  you
• 5:47
  spend
• 5:47
  last
• 5:48
  year
• 5:48
  on
• 5:48
  out
• 5:48
  of
• 5:48
  pocket
• 5:49
  expenses?
• 5:50
  Start
• 5:50
  to
• 5:50
  budget
• 5:51
  that.
• 5:52
  Take
• 5:53
  an
• 5:53
  honest
• 5:53
  look
• 5:53
  at
• 5:53
  your
• 5:54
  house.
• 5:55
  What
• 5:55
  did
• 5:55
  you
• 5:56
  fix?
• 5:56
  What
• 5:57
  needs
• 5:57
  fixing?
• 5:58
  Those
• 5:59
  aren't
• 5:59
  emergencies.
• 6:01
  And
• 6:01
  those
• 6:02
  annual
• 6:02
  subscriptions,
• 6:03
  this
• 6:03
  one
• 6:03
  cracks
• 6:04
  me
• 6:04
  up
• 6:04
  all
• 6:04
  the
• 6:04
  time.
• 6:05
  I
• 6:05
  had
• 6:05
  this
• 6:05
  emergency
• 6:06
  rev
• 6:06
  this
• 6:07
  subscription
• 6:07
  renewed
• 6:08
  and
• 6:08
  I'd
• 6:08
  forgotten
• 6:09
  about
• 6:09
  it.
• 6:10
  That
• 6:11
  again
• 6:11
  is
• 6:12
  not
• 6:12
  an
• 6:12
  emergency.
• 6:13
  Figure
• 6:14
  those
• 6:14
  out,
• 6:14
  divide
• 6:15
  the
• 6:15
  number
• 6:15
  by
• 6:16
  12
• 6:17
  and
• 6:17
  then
• 6:17
  start
• 6:17
  to
• 6:18
  fund
• 6:18
  that.
• 6:18
  See,
• 6:19
  that
• 6:19
  number
• 6:19
  isn't
• 6:20
  unexpected
• 6:20
  at
• 6:21
  that
• 6:21
  point
• 6:22
  it's
• 6:22
  your
• 6:22
  monthly
• 6:23
  preparation
• 6:25
  and
• 6:25
  planning
• 6:25
  for
• 6:26
  that
• 6:26
  predictable
• 6:27
  expense
• 6:28
  stops
• 6:28
  that
• 6:29
  reset
• 6:29
  cycle.
• 6:32
  Another
• 6:32
  thing
• 6:32
  you've
• 6:33
  got
• 6:33
  to
• 6:33
  do.
• 6:33
  You've
• 6:33
  got
• 6:33
  to
• 6:34
  protect
• 6:34
  that
• 6:34
  real
• 6:35
  emergency
• 6:35
  fund
• 6:36
  with
• 6:36
  rules.
• 6:37
  There
• 6:38
  is
• 6:38
  a
• 6:38
  place
• 6:38
  for
• 6:39
  a
• 6:39
  true
• 6:39
  emergency
• 6:40
  fund.
• 6:40
  Because
• 6:40
  things
• 6:41
  happen.
• 6:41
  Emergencies
• 6:42
  do
• 6:42
  happen.
• 6:43
  But
• 6:43
  you
• 6:43
  got
• 6:44
  to
• 6:44
  have
• 6:44
  a
• 6:44
  rule
• 6:44
  for
• 6:44
  this.
• 6:46
  I
• 6:46
  love
• 6:46
  this
• 6:46
  rule.
• 6:47
  Somebody
• 6:47
  sent
• 6:47
  this
• 6:47
  in
• 6:47
  to
• 6:47
  me.
• 6:47
  They
• 6:48
  said,
• 6:48
  ralph,
• 6:48
  we
• 6:49
  only
• 6:49
  touch
• 6:49
  this
• 6:49
  for
• 6:50
  income
• 6:50
  interruption
• 6:51
  or
• 6:51
  true
• 6:52
  crisis.
• 6:54
  And
• 6:54
  when
• 6:54
  you
• 6:54
  do,
• 6:55
  use
• 6:55
  it,
• 6:55
  because
• 6:55
  guess
• 6:56
  what?
• 6:57
  Things
• 6:57
  happen
• 6:57
  in
• 6:57
  life.
• 6:59
  Don't
• 6:59
  feel
• 6:59
  defeated
• 7:00
  at
• 7:00
  that
• 7:00
  very
• 7:01
  moment.
• 7:01
  Create
• 7:02
  a
• 7:02
  rebuilding
• 7:02
  plan.
• 7:04
  Maybe
• 7:04
  it's
• 7:05
  only
• 7:05
  25
• 7:05
  bucks
• 7:06
  a
• 7:06
  week,
• 7:07
  but
• 7:07
  start
• 7:08
  that
• 7:08
  momentum
• 7:08
  again
• 7:09
  because
• 7:09
  that's
• 7:10
  going
• 7:10
  to
• 7:10
  matter
• 7:10
  more
• 7:10
  than
• 7:11
  what
• 7:11
  your
• 7:11
  speed
• 7:11
  is
• 7:11
  at
• 7:12
  the
• 7:12
  going
• 7:12
  back
• 7:12
  to
• 7:12
  get
• 7:13
  into
• 7:13
  it.
• 7:15
  And
• 7:15
  here's
• 7:15
  a
• 7:16
  big
• 7:16
  takeaway
• 7:16
  thing.
• 7:16
  Mindset
• 7:17
  change
• 7:17
  here.
• 7:18
  Stop
• 7:19
  calling
• 7:19
  it
• 7:19
  rebuilding,
• 7:20
  starting
• 7:21
  over.
• 7:21
  You're
• 7:22
  not
• 7:22
  sailing,
• 7:23
  you're.
• 7:23
  You're
• 7:23
  not
• 7:23
  starting
• 7:24
  over.
• 7:24
  Hear
• 7:25
  me
• 7:25
  on
• 7:25
  this.
• 7:26
  You're
• 7:26
  using
• 7:27
  your
• 7:27
  savings
• 7:27
  for
• 7:28
  what
• 7:28
  it
• 7:28
  was
• 7:28
  built
• 7:28
  for.
• 7:30
  This
• 7:30
  is,
• 7:30
  was
• 7:30
  the
• 7:30
  intention
• 7:31
  of
• 7:31
  it
• 7:31
  from
• 7:31
  the
• 7:31
  beginning.
• 7:32
  Savings
• 7:33
  is
• 7:33
  doing
• 7:33
  its
• 7:34
  job.
• 7:34
  That's
• 7:35
  what
• 7:35
  protected
• 7:35
  you
• 7:35
  from
• 7:36
  having
• 7:36
  to
• 7:36
  run
• 7:36
  up
• 7:36
  that
• 7:36
  credit
• 7:37
  card
• 7:37
  or
• 7:37
  going
• 7:38
  barring
• 7:38
  for
• 7:38
  somebody
• 7:39
  else.
• 7:39
  This
• 7:40
  isn't
• 7:40
  a
• 7:40
  time
• 7:40
  for
• 7:41
  defeat.
• 7:41
  This
• 7:41
  is
• 7:42
  actually
• 7:42
  stewardship.
• 7:44
  And
• 7:45
  if
• 7:45
  you
• 7:45
  have
• 7:45
  that
• 7:45
  emergency
• 7:46
  fund,
• 7:46
  the
• 7:47
  goal
• 7:47
  isn't
• 7:48
  to
• 7:48
  never
• 7:48
  use
• 7:48
  it.
• 7:49
  I
• 7:50
  pray
• 7:50
  that
• 7:50
  you
• 7:50
  don't
• 7:50
  have
• 7:51
  those
• 7:51
  emergencies,
• 7:52
  but
• 7:53
  the
• 7:53
  goal
• 7:53
  is
• 7:53
  to
• 7:53
  use
• 7:54
  it
• 7:54
  wisely
• 7:54
  and
• 7:55
  rebuild
• 7:55
  it
• 7:56
  intentionally.
• 7:58
  My
• 7:58
  big
• 7:59
  takeaway
• 7:59
  for
• 7:59
  today,
• 8:00
  I
• 8:00
  want
• 8:00
  you
• 8:00
  to
• 8:00
  be
• 8:00
  prepared,
• 8:02
  but
• 8:02
  not
• 8:02
  panicked.
• 8:05
  Prepared,
• 8:06
  not
• 8:07
  panicked.
• 8:08
  So
• 8:08
  here's
• 8:09
  your
• 8:09
  big
• 8:09
  win
• 8:09
  for
• 8:09
  today.
• 8:10
  Just
• 8:10
  a
• 8:10
  single
• 8:10
  step
• 8:10
  that
• 8:11
  you
• 8:11
  can
• 8:11
  take
• 8:11
  today.
• 8:12
  I
• 8:12
  want
• 8:12
  you
• 8:12
  to
• 8:12
  look
• 8:12
  at
• 8:13
  one
• 8:13
  emergency
• 8:14
  from
• 8:14
  the
• 8:14
  past
• 8:15
  year.
• 8:16
  Your
• 8:17
  list
• 8:17
  might
• 8:17
  change.
• 8:17
  Now,
• 8:18
  after
• 8:18
  listening
• 8:18
  to
• 8:18
  this,
• 8:19
  you're
• 8:19
  like,
• 8:19
  wait
• 8:19
  a
• 8:19
  minute,
• 8:19
  Rob,
• 8:20
  that
• 8:20
  probably
• 8:20
  wasn't
• 8:20
  an
• 8:20
  emergency.
• 8:22
  And
• 8:22
  ask
• 8:22
  yourself
• 8:23
  this,
• 8:23
  was
• 8:24
  this
• 8:24
  truly
• 8:24
  unexpected
• 8:26
  or
• 8:26
  was
• 8:26
  it
• 8:26
  just
• 8:27
  unplanned?
• 8:29
  I
• 8:29
  think
• 8:29
  what
• 8:29
  you're
• 8:30
  going
• 8:30
  to
• 8:30
  find
• 8:31
  is
• 8:31
  it
• 8:31
  really
• 8:31
  wasn't
• 8:32
  unexpected.
• 8:33
  It
• 8:33
  just
• 8:33
  wasn't
• 8:34
  planned.
• 8:35
  Step
• 8:35
  two
• 8:36
  of
• 8:36
  that
• 8:36
  is
• 8:36
  to
• 8:36
  create
• 8:36
  that
• 8:37
  we
• 8:37
  call
• 8:37
  them
• 8:37
  fancy
• 8:38
  name
• 8:38
  sinking
• 8:39
  fund
• 8:39
  category
• 8:39
  this
• 8:40
  week
• 8:40
  to
• 8:40
  start
• 8:41
  building
• 8:41
  that
• 8:41
  fund,
• 8:41
  whether
• 8:42
  it's
• 8:42
  your
• 8:42
  car
• 8:43
  or
• 8:43
  your
• 8:43
  house
• 8:44
  or
• 8:44
  those
• 8:44
  medicals.
• 8:45
  And
• 8:45
  listen,
• 8:45
  just
• 8:45
  carve
• 8:46
  out
• 8:46
  $10
• 8:47
  a
• 8:47
  week
• 8:47
  or
• 8:47
  $10
• 8:48
  a
• 8:48
  pay
• 8:48
  and
• 8:49
  start
• 8:49
  to
• 8:49
  build
• 8:49
  that
• 8:50
  fund.
• 8:50
  It's
• 8:50
  not
• 8:51
  an
• 8:51
  emergency.
• 8:52
  It's
• 8:52
  intentionality.
• 8:53
  Let's
• 8:54
  get
• 8:54
  to
• 8:54
  our
• 8:54
  Bible
• 8:54
  verse
• 8:55
  today
• 8:55
  comes
• 8:56
  to
• 8:56
  us
• 8:56
  from
• 8:56
  the
• 8:56
  book
• 8:56
  of
• 8:57
  Ecclesiastes,
• 8:58
  chapter
• 8:58
  11,
• 8:59
  verse
• 8:59
  2.
• 9:00
  Invest
• 9:01
  in
• 9:01
  seven
• 9:01
  ventures.
• 9:02
  Yes,
• 9:02
  in
• 9:03
  eight.
• 9:04
  For
• 9:04
  you
• 9:04
  do
• 9:04
  not
• 9:05
  know
• 9:05
  what
• 9:05
  disaster
• 9:06
  may
• 9:06
  come
• 9:06
  on
• 9:06
  the
• 9:06
  land.
• 9:07
  I
• 9:07
  like
• 9:07
  to
• 9:08
  use
• 9:08
  that
• 9:08
  one
• 9:08
  when
• 9:08
  I
• 9:08
  talk
• 9:09
  about
• 9:09
  emergencies.
• 9:10
  Because
• 9:11
  scripture
• 9:11
  reminds
• 9:12
  us
• 9:12
  that
• 9:12
  why
• 9:12
  stewardship,
• 9:15
  really,
• 9:15
  why
• 9:16
  stewardship
• 9:17
  includes
• 9:17
  preparing
• 9:18
  for
• 9:18
  what
• 9:18
  we
• 9:18
  know
• 9:19
  will
• 9:19
  eventually
• 9:20
  come.
• 9:21
  We
• 9:22
  know
• 9:22
  these
• 9:22
  things
• 9:22
  are
• 9:22
  going
• 9:22
  to
• 9:23
  come.
• 9:23
  If
• 9:23
  you've
• 9:23
  got
• 9:23
  a
• 9:24
  car,
• 9:24
  it's
• 9:25
  going
• 9:25
  to
• 9:25
  break
• 9:25
  down
• 9:25
  sometimes.
• 9:27
  If
• 9:27
  you've
• 9:27
  got
• 9:27
  a
• 9:27
  house,
• 9:28
  it's
• 9:29
  going
• 9:29
  to
• 9:29
  require
• 9:29
  maintenance.
• 9:30
  And
• 9:30
  if
• 9:30
  you've
• 9:30
  got
• 9:31
  kids
• 9:31
  or
• 9:31
  yourself,
• 9:32
  you're
• 9:32
  going
• 9:32
  to
• 9:33
  get
• 9:33
  sick.
• 9:33
  Sometimes
• 9:34
  you
• 9:34
  got
• 9:35
  to
• 9:35
  plan
• 9:35
  for
• 9:35
  those
• 9:35
  things.
• 9:37
  How
• 9:37
  about
• 9:37
  we
• 9:37
  pray
• 9:37
  right
• 9:37
  now?
• 9:39
  Father
• 9:39
  God,
• 9:40
  you
• 9:40
  see
• 9:40
  how
• 9:41
  discouraging
• 9:41
  this
• 9:42
  cycle
• 9:42
  feels
• 9:42
  for
• 9:43
  us?
• 9:43
  You
• 9:44
  see
• 9:44
  that
• 9:44
  frustration
• 9:45
  of
• 9:45
  rebuilding
• 9:46
  again
• 9:46
  and
• 9:47
  again.
• 9:48
  So
• 9:49
  Lord,
• 9:49
  right
• 9:49
  now
• 9:49
  I
• 9:49
  ask
• 9:50
  that
• 9:50
  you
• 9:50
  would
• 9:50
  give
• 9:50
  my
• 9:50
  friend
• 9:51
  wisdom
• 9:51
  to
• 9:51
  prepare
• 9:52
  and
• 9:53
  I'm
• 9:53
  not
• 9:53
  talking
• 9:53
  about
• 9:54
  fear
• 9:54
  but
• 9:54
  really
• 9:55
  foresight
• 9:55
  into
• 9:56
  preparing
• 9:58
  and
• 9:58
  help
• 9:58
  them
• 9:58
  separate
• 9:59
  what
• 9:59
  is
• 9:59
  truly
• 10:00
  a
• 10:00
  crisis
• 10:02
  from
• 10:02
  what
• 10:02
  is
• 10:02
  simply
• 10:03
  a
• 10:03
  part
• 10:03
  of
• 10:03
  life
• 10:04
  and
• 10:05
  at
• 10:05
  the
• 10:05
  same
• 10:05
  time
• 10:05
  strengthen
• 10:06
  their
• 10:06
  discipline.
• 10:07
  Lord,
• 10:07
  protect
• 10:08
  their
• 10:08
  true
• 10:09
  emergency
• 10:09
  fund
• 10:10
  and
• 10:11
  give
• 10:11
  them
• 10:11
  patience
• 10:12
  as
• 10:12
  they
• 10:12
  build
• 10:12
  those
• 10:13
  layers
• 10:13
  of
• 10:13
  stability.
• 10:15
  Remind
• 10:16
  them
• 10:16
  that
• 10:16
  using
• 10:16
  savings
• 10:17
  wisely
• 10:18
  is
• 10:18
  not
• 10:18
  a
• 10:19
  failure
• 10:19
  at
• 10:19
  all.
• 10:20
  It's
• 10:21
  faithfulness.
• 10:23
  And
• 10:23
  we
• 10:23
  ask
• 10:24
  this
• 10:24
  in
• 10:24
  Jesus
• 10:24
  name.
• 10:26
  Amen
• 10:28
  friend.
• 10:28
  You're
• 10:29
  not
• 10:29
  stuck,
• 10:30
  you're
• 10:30
  not
• 10:31
  failing.
• 10:32
  Actually
• 10:33
  learning
• 10:33
  to
• 10:33
  prepare
• 10:34
  smarter.
• 10:35
  And
• 10:35
  if
• 10:35
  you've
• 10:36
  got
• 10:36
  a
• 10:36
  question
• 10:36
  for
• 10:36
  this
• 10:36
  show,
• 10:37
  how
• 10:37
  about
• 10:38
  sending
• 10:38
  it
• 10:38
  to
• 10:38
  me?
• 10:38
  You
• 10:39
  can
• 10:39
  go
• 10:39
  to
• 10:39
  financiallyconfidentchristian.com/question
• 10:43
  we'll
• 10:43
  put
• 10:43
  that
• 10:43
  in
• 10:43
  the
• 10:44
  show
• 10:44
  notes
• 10:44
  but
• 10:44
  I
• 10:44
  want
• 10:44
  to
• 10:44
  give
• 10:44
  it
• 10:45
  to
• 10:45
  you
• 10:45
  again
• 10:45
  right
• 10:45
  now.
• 10:46
  It's
• 10:46
  financiallyconfidentchristian.com/question
• 10:50
  thank
• 10:50
  you
• 10:50
  so
• 10:51
  much
• 10:51
  for
• 10:51
  joining
• 10:51
  me
• 10:52
  today.
• 10:52
  I
• 10:52
  encourage
• 10:53
  you
• 10:53
  to
• 10:53
  stay
• 10:53
  financially
• 10:54
  savvy.
• 10:54
  May
• 10:55
  God
• 10:55
  bless
• 10:55
  you
• 10:56
  and
• 10:56
  you
• 10:56
  have
• 10:56
  a
• 10:56
  great
• 10:56
  day
• 10:57
  today.