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What Do I Do When My Budget Falls Apart? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  built
• 0:38
  a
• 0:38
  careful
• 0:39
  budget
• 0:39
  only
• 0:40
  to
• 0:40
  have
• 0:40
  one
• 0:40
  price
• 0:41
  increase
• 0:41
  blow
• 0:42
  the
• 0:42
  whole
• 0:42
  thing
• 0:42
  up?
• 0:43
  Grocery
• 0:44
  prices
• 0:44
  go
• 0:45
  up,
• 0:45
  an
• 0:45
  insurance
• 0:46
  bill
• 0:46
  goes
• 0:46
  up,
• 0:47
  and
• 0:47
  those
• 0:48
  utilities
• 0:48
  spike,
• 0:49
  and
• 0:50
  suddenly
• 0:50
  your
• 0:50
  good
• 0:51
  plan
• 0:52
  just
• 0:52
  feels
• 0:52
  pointless.
• 0:53
  And
• 0:54
  you
• 0:54
  think
• 0:54
  to
• 0:54
  yourself,
• 0:55
  why
• 0:56
  do
• 0:56
  I
• 0:56
  even
• 0:56
  try
• 0:57
  this?
• 0:58
  Friend,
• 0:58
  the
• 0:59
  problem
• 0:59
  isn't
• 0:59
  that
• 0:59
  you
• 1:00
  can't
• 1:00
  budget.
• 1:01
  It's
• 1:01
  that
• 1:01
  you're
• 1:02
  trying
• 1:02
  to
• 1:02
  build
• 1:02
  a
• 1:02
  rigid
• 1:03
  plan
• 1:03
  in
• 1:03
  a
• 1:04
  very
• 1:04
  flexible
• 1:04
  world.
• 1:05
  Well,
• 1:06
  today
• 1:06
  we're
• 1:06
  building
• 1:06
  a
• 1:07
  budget
• 1:07
  that
• 1:07
  bends
• 1:08
  without
• 1:08
  breaking.
• 1:30
  Hello,
• 1:30
  friend.
• 1:31
  Ralph
• 1:31
  Estep
• 1:32
  Jr.
• 1:32
  Here.
• 1:33
  This
• 1:33
  is
• 1:33
  financially
• 1:34
  confident
• 1:34
  Christian,
• 1:35
  where
• 1:35
  every
• 1:35
  day
• 1:36
  my
• 1:36
  goal
• 1:36
  is
• 1:36
  to
• 1:37
  help
• 1:37
  you
• 1:37
  break
• 1:37
  that
• 1:37
  cycle
• 1:38
  of
• 1:38
  financial
• 1:39
  shame
• 1:39
  and
• 1:40
  truly
• 1:40
  live
• 1:40
  in
• 1:41
  confidence.
• 1:42
  And
• 1:42
  today's
• 1:43
  topic
• 1:43
  is
• 1:43
  just
• 1:44
  like,
• 1:44
  right
• 1:44
  in
• 1:45
  that
• 1:45
  point,
• 1:45
  and
• 1:46
  that's,
• 1:46
  what
• 1:46
  do
• 1:46
  you
• 1:47
  do
• 1:47
  when
• 1:47
  your
• 1:47
  budget
• 1:48
  falls
• 1:48
  apart
• 1:49
  as
• 1:49
  costs
• 1:50
  rise?
• 1:51
  Well,
• 1:51
  let's
• 1:51
  get
• 1:52
  right
• 1:52
  to
• 1:52
  our
• 1:52
  listener
• 1:53
  question
• 1:53
  today.
• 1:54
  The
• 1:54
  listener
• 1:55
  question
• 1:55
  says
• 1:55
  this,
• 1:55
  Ralph.
• 1:56
  I
• 1:56
  sit
• 1:57
  down,
• 1:58
  I
• 1:58
  plan
• 1:58
  my
• 1:59
  money
• 1:59
  carefully,
• 2:00
  and
• 2:00
  then
• 2:00
  prices
• 2:01
  increase,
• 2:02
  and
• 2:02
  I'm
• 2:02
  right
• 2:02
  back
• 2:03
  to
• 2:03
  where
• 2:03
  I
• 2:03
  started.
• 2:04
  I'm
• 2:04
  stressed
• 2:05
  and
• 2:06
  I'm
• 2:06
  behind.
• 2:07
  I'm
• 2:07
  exhausted
• 2:08
  from
• 2:08
  feeling
• 2:08
  like
• 2:08
  no
• 2:09
  matter
• 2:09
  what
• 2:09
  I
• 2:09
  do,
• 2:10
  I
• 2:10
  can't
• 2:11
  get
• 2:11
  ahead.
• 2:12
  How
• 2:13
  do
• 2:13
  I
• 2:13
  build
• 2:13
  a
• 2:13
  plan
• 2:13
  that
• 2:14
  actually
• 2:14
  works
• 2:15
  when
• 2:15
  life
• 2:16
  is
• 2:16
  unpredictable?
• 2:17
  I
• 2:18
  don't
• 2:18
  need
• 2:18
  perfection.
• 2:19
  I
• 2:20
  just
• 2:20
  need
• 2:20
  something
• 2:20
  that
• 2:21
  won't
• 2:21
  fall
• 2:21
  apart
• 2:22
  the
• 2:22
  second
• 2:23
  something
• 2:23
  costs
• 2:23
  more
• 2:24
  than
• 2:24
  expected.
• 2:26
  What
• 2:26
  a
• 2:26
  great
• 2:26
  question.
• 2:27
  And
• 2:28
  it's
• 2:28
  a
• 2:28
  question
• 2:28
  that
• 2:28
  I
• 2:28
  think
• 2:29
  all
• 2:29
  of
• 2:29
  us
• 2:29
  can
• 2:29
  appreciate.
• 2:31
  I
• 2:31
  don't
• 2:31
  know
• 2:31
  about
• 2:31
  you,
• 2:31
  but
• 2:32
  it
• 2:32
  seems
• 2:32
  like
• 2:32
  every
• 2:33
  time
• 2:33
  I
• 2:33
  turn
• 2:33
  around,
• 2:34
  things
• 2:35
  cost
• 2:35
  more.
• 2:36
  My
• 2:36
  wife
• 2:36
  and
• 2:36
  I
• 2:37
  were
• 2:37
  at
• 2:37
  the
• 2:37
  grocery
• 2:37
  store
• 2:38
  not
• 2:38
  too
• 2:38
  long
• 2:38
  ago,
• 2:38
  and
• 2:39
  she
• 2:39
  kind
• 2:39
  of
• 2:39
  laughed,
• 2:40
  and
• 2:40
  I
• 2:40
  said,
• 2:40
  is
• 2:40
  it
• 2:41
  really
• 2:41
  true
• 2:41
  that
• 2:41
  these
• 2:42
  prices
• 2:42
  are
• 2:42
  this
• 2:42
  high?
• 2:43
  And
• 2:43
  she
• 2:44
  said,
• 2:44
  yeah,
• 2:44
  Ralph,
• 2:44
  you're
• 2:44
  a
• 2:45
  little
• 2:45
  disconnected.
• 2:45
  My
• 2:45
  wife
• 2:46
  handles
• 2:46
  all
• 2:46
  the
• 2:46
  shopping
• 2:47
  around
• 2:47
  our
• 2:47
  house.
• 2:48
  But
• 2:48
  today's
• 2:49
  big
• 2:49
  idea
• 2:49
  is
• 2:50
  this.
• 2:50
  How
• 2:50
  do
• 2:50
  you
• 2:50
  get
• 2:50
  past
• 2:51
  that?
• 2:52
  And
• 2:52
  my
• 2:52
  main
• 2:53
  takeaway
• 2:53
  today
• 2:53
  is
• 2:53
  you've
• 2:54
  got
• 2:54
  to
• 2:54
  build
• 2:54
  margin
• 2:55
  into
• 2:55
  your
• 2:55
  plan
• 2:56
  and
• 2:56
  not
• 2:57
  perfection.
• 2:58
  Because,
• 2:58
  friend,
• 2:59
  most
• 2:59
  budgets
• 3:00
  fail
• 3:00
  because
• 3:00
  they
• 3:01
  assume
• 3:01
  stability.
• 3:03
  But
• 3:03
  life
• 3:04
  changes.
• 3:05
  Life
• 3:05
  moves.
• 3:06
  Prices
• 3:06
  change.
• 3:07
  Your
• 3:07
  needs
• 3:08
  shift.
• 3:09
  Surprises
• 3:09
  happen.
• 3:10
  So
• 3:11
  let's
• 3:11
  talk
• 3:11
  about
• 3:11
  how
• 3:11
  to
• 3:12
  build
• 3:12
  that
• 3:12
  resilience.
• 3:13
  Here's
• 3:14
  the
• 3:14
  first
• 3:14
  step.
• 3:15
  You
• 3:16
  gotta
• 3:16
  stop
• 3:16
  budgeting
• 3:17
  exact
• 3:17
  numbers
• 3:18
  for
• 3:18
  flexible
• 3:18
  categories.
• 3:20
  If
• 3:20
  you're
• 3:21
  like
• 3:21
  me,
• 3:21
  groceries
• 3:22
  are
• 3:22
  not
• 3:23
  exactly
• 3:23
  $500
• 3:24
  a
• 3:24
  month.
• 3:25
  Depends
• 3:26
  what
• 3:26
  you're
• 3:26
  buying.
• 3:26
  It
• 3:26
  depends
• 3:27
  on
• 3:27
  the
• 3:27
  prices.
• 3:28
  It
• 3:28
  depends
• 3:28
  on
• 3:29
  the
• 3:29
  time
• 3:29
  of
• 3:29
  year.
• 3:30
  Gas,
• 3:30
  that's
• 3:31
  another
• 3:31
  thing.
• 3:32
  It's
• 3:32
  not
• 3:32
  exactly
• 3:33
  $180
• 3:34
  a
• 3:34
  month,
• 3:34
  is
• 3:34
  it?
• 3:35
  Maybe
• 3:35
  you've
• 3:35
  got
• 3:35
  a
• 3:36
  road
• 3:36
  trip
• 3:36
  planned,
• 3:37
  or
• 3:37
  maybe
• 3:37
  just
• 3:37
  the
• 3:38
  price
• 3:38
  at
• 3:38
  the
• 3:38
  pump
• 3:39
  has
• 3:39
  gone
• 3:39
  up.
• 3:40
  So
• 3:40
  instead
• 3:41
  of
• 3:41
  using
• 3:41
  tight
• 3:42
  numbers,
• 3:42
  specific
• 3:43
  numbers,
• 3:44
  I
• 3:44
  recommend
• 3:44
  you
• 3:44
  Use
• 3:45
  ranges.
• 3:46
  For
• 3:46
  example,
• 3:46
  let's
• 3:47
  talk
• 3:47
  about
• 3:47
  the
• 3:47
  grocery
• 3:47
  budget.
• 3:48
  We
• 3:48
  did
• 3:48
  a
• 3:48
  great
• 3:48
  show
• 3:49
  about
• 3:49
  groceries.
• 3:50
  We'll
• 3:50
  put
• 3:50
  a
• 3:50
  link
• 3:50
  to
• 3:50
  that
• 3:51
  in
• 3:51
  the
• 3:51
  show
• 3:51
  notes.
• 3:52
  But
• 3:52
  maybe
• 3:52
  for
• 3:52
  groceries,
• 3:53
  instead
• 3:53
  of
• 3:53
  just
• 3:54
  saying
• 3:54
  $500,
• 3:55
  say
• 3:56
  between
• 3:56
  500
• 3:56
  and
• 3:57
  $600,
• 3:58
  the
• 3:59
  same
• 3:59
  thing
• 3:59
  goes
• 3:59
  along
• 3:59
  for
• 4:00
  utilities.
• 4:01
  Instead
• 4:01
  of
• 4:02
  saying
• 4:02
  $150,
• 4:04
  maybe
• 4:04
  you
• 4:04
  say
• 4:04
  150
• 4:05
  to
• 4:06
  $220.
• 4:08
  Because
• 4:08
  when
• 4:08
  you
• 4:08
  live
• 4:09
  in
• 4:09
  those
• 4:09
  ranges,
• 4:10
  they
• 4:10
  absorb
• 4:11
  that
• 4:11
  reality,
• 4:12
  they
• 4:12
  absorb
• 4:12
  those
• 4:12
  price
• 4:13
  changes.
• 4:14
  But
• 4:14
  if
• 4:14
  you've
• 4:15
  got
• 4:15
  those
• 4:15
  exact
• 4:16
  numbers,
• 4:17
  they
• 4:17
  just
• 4:17
  completely
• 4:18
  shatter
• 4:18
  and
• 4:18
  fall
• 4:19
  apart
• 4:19
  when
• 4:19
  there's
• 4:20
  pressure
• 4:20
  in
• 4:20
  the
• 4:20
  system.
• 4:21
  Here's
• 4:22
  the
• 4:22
  second
• 4:22
  thing
• 4:22
  I'm
• 4:23
  going
• 4:23
  to
• 4:23
  recommend.
• 4:24
  Create
• 4:24
  a
• 4:24
  shock
• 4:25
  absorber
• 4:26
  category.
• 4:26
  We
• 4:27
  love
• 4:27
  shock
• 4:27
  absorbers
• 4:28
  on
• 4:28
  our
• 4:28
  car
• 4:28
  so
• 4:28
  we
• 4:28
  don't
• 4:29
  feel
• 4:29
  like
• 4:29
  we're
• 4:29
  being
• 4:29
  bounced
• 4:30
  and
• 4:30
  knocked
• 4:30
  around.
• 4:31
  This
• 4:32
  is
• 4:32
  just
• 4:32
  a
• 4:32
  small
• 4:33
  monthly
• 4:33
  cushion,
• 4:34
  even
• 4:34
  if
• 4:34
  it's
• 4:35
  $50
• 4:35
  or
• 4:36
  $100,
• 4:37
  and
• 4:37
  really
• 4:38
  label
• 4:38
  it
• 4:38
  unexpected
• 4:39
  increases.
• 4:41
  Now,
• 4:41
  this
• 4:41
  isn't
• 4:41
  for
• 4:42
  emergencies.
• 4:42
  This
• 4:43
  is
• 4:43
  not
• 4:43
  your
• 4:43
  fun
• 4:43
  money.
• 4:44
  This
• 4:44
  is
• 4:44
  just
• 4:45
  breathing
• 4:45
  room
• 4:45
  for
• 4:46
  when
• 4:46
  rising
• 4:47
  costs
• 4:47
  happen.
• 4:48
  This
• 4:48
  is
• 4:48
  your
• 4:48
  plan
• 4:49
  that
• 4:49
  bends
• 4:50
  without
• 4:50
  breaking.
• 4:51
  Here's
• 4:52
  the
• 4:52
  third
• 4:52
  thing
• 4:52
  I'm
• 4:52
  going
• 4:53
  to
• 4:53
  recommend
• 4:53
  you
• 4:53
  do.
• 4:54
  Review
• 4:54
  your
• 4:55
  spending
• 4:55
  mid
• 4:56
  month,
• 4:56
  not
• 4:57
  just
• 4:57
  at
• 4:57
  the
• 4:57
  end.
• 4:57
  So
• 4:58
  many
• 4:58
  people
• 4:58
  wait
• 4:58
  till
• 4:59
  the
• 4:59
  end
• 4:59
  of
• 4:59
  the
• 4:59
  month
• 4:59
  and
• 5:00
  then
• 5:00
  they
• 5:00
  panic
• 5:01
  because
• 5:01
  they've
• 5:01
  overspent.
• 5:02
  And
• 5:03
  if
• 5:03
  you
• 5:03
  wait
• 5:03
  till
• 5:03
  the
• 5:03
  30th
• 5:04
  of
• 5:04
  the
• 5:04
  month,
• 5:05
  all
• 5:05
  you're
• 5:05
  doing
• 5:05
  is
• 5:05
  reacting.
• 5:07
  So
• 5:07
  check
• 5:07
  in
• 5:08
  around
• 5:08
  the
• 5:08
  15th
• 5:08
  of
• 5:09
  the
• 5:09
  month.
• 5:10
  Ask
• 5:10
  yourself,
• 5:10
  hey,
• 5:11
  are
• 5:11
  we
• 5:11
  trending
• 5:11
  higher
• 5:12
  anywhere?
• 5:13
  Because
• 5:13
  you
• 5:13
  might
• 5:13
  be
• 5:13
  able
• 5:14
  to
• 5:14
  make
• 5:14
  a
• 5:14
  small
• 5:14
  course
• 5:15
  correction
• 5:16
  to
• 5:16
  prevent
• 5:16
  that
• 5:16
  end
• 5:17
  of
• 5:17
  month
• 5:17
  panic.
• 5:18
  For
• 5:18
  example,
• 5:18
  if
• 5:18
  you
• 5:19
  notice
• 5:19
  that
• 5:19
  your
• 5:19
  grocery
• 5:20
  budget's
• 5:20
  gone
• 5:20
  up
• 5:21
  a
• 5:21
  little
• 5:21
  bit,
• 5:21
  you
• 5:22
  may
• 5:22
  have
• 5:22
  to
• 5:22
  cut
• 5:22
  back
• 5:23
  on
• 5:23
  eating
• 5:23
  out
• 5:23
  or
• 5:23
  you
• 5:24
  may
• 5:24
  have
• 5:24
  to
• 5:24
  cut
• 5:24
  back
• 5:25
  on
• 5:25
  some
• 5:25
  entertainment
• 5:26
  expenses.
• 5:26
  But
• 5:27
  if
• 5:27
  you
• 5:27
  wait
• 5:27
  till
• 5:27
  the
• 5:27
  end
• 5:28
  of
• 5:28
  the
• 5:28
  month,
• 5:28
  it's
• 5:29
  going
• 5:29
  to
• 5:29
  be
• 5:29
  too
• 5:29
  late
• 5:30
  to
• 5:30
  do
• 5:30
  that.
• 5:30
  So
• 5:30
  think
• 5:30
  about
• 5:31
  that
• 5:31
  mid
• 5:31
  month
• 5:31
  check
• 5:32
  in.
• 5:33
  Here's
• 5:33
  another
• 5:33
  thing
• 5:33
  that
• 5:33
  is
• 5:34
  absolutely
• 5:34
  critical.
• 5:35
  You've
• 5:36
  got
• 5:36
  to
• 5:36
  prioritize
• 5:37
  the
• 5:37
  essentials
• 5:38
  in
• 5:38
  their
• 5:38
  tiers.
• 5:39
  I'm
• 5:39
  going
• 5:39
  to
• 5:39
  give
• 5:39
  you
• 5:40
  a
• 5:40
  set
• 5:40
  of
• 5:40
  three
• 5:40
  tiers
• 5:41
  here
• 5:41
  that
• 5:41
  I
• 5:41
  think
• 5:41
  will
• 5:42
  really
• 5:42
  make
• 5:42
  your
• 5:42
  life
• 5:42
  easier.
• 5:43
  Tier
• 5:44
  one
• 5:44
  is
• 5:44
  the
• 5:45
  things
• 5:45
  I
• 5:45
  call
• 5:45
  survival.
• 5:46
  These
• 5:47
  are
• 5:47
  things
• 5:47
  like
• 5:47
  housing,
• 5:48
  utilities,
• 5:50
  food,
• 5:50
  transportation.
• 5:51
  You
• 5:52
  got
• 5:52
  to
• 5:52
  have
• 5:52
  a
• 5:52
  place
• 5:52
  to
• 5:53
  live,
• 5:53
  you
• 5:53
  got
• 5:54
  to
• 5:54
  have
• 5:54
  lights
• 5:54
  and
• 5:54
  water.
• 5:55
  You
• 5:55
  need
• 5:55
  to
• 5:55
  eat,
• 5:56
  and
• 5:56
  you
• 5:57
  need
• 5:57
  to
• 5:57
  have
• 5:57
  transportation
• 5:58
  to
• 5:58
  get
• 5:58
  to
• 5:58
  and
• 5:58
  from
• 5:59
  work.
• 5:59
  So
• 5:59
  that's
• 5:59
  number
• 5:59
  one.
• 6:00
  That's
• 6:00
  the
• 6:00
  number
• 6:00
  one
• 6:01
  thing.
• 6:01
  Survival.
• 6:03
  Second
• 6:03
  tier
• 6:03
  is
• 6:04
  stability.
• 6:05
  These
• 6:05
  are
• 6:05
  things
• 6:05
  like
• 6:06
  insurance,
• 6:07
  those
• 6:07
  minimum
• 6:08
  debt
• 6:08
  payments
• 6:09
  and
• 6:09
  setting
• 6:09
  aside
• 6:10
  money
• 6:10
  for
• 6:10
  savings.
• 6:11
  Yeah,
• 6:11
  they're
• 6:11
  important,
• 6:12
  but
• 6:12
  they're
• 6:13
  not
• 6:13
  survival,
• 6:14
  they're
• 6:14
  more
• 6:14
  stability
• 6:15
  things.
• 6:16
  And
• 6:16
  the
• 6:16
  third
• 6:16
  tier,
• 6:17
  this
• 6:17
  is
• 6:17
  the
• 6:17
  place
• 6:18
  where
• 6:18
  if
• 6:18
  you
• 6:18
  have
• 6:18
  to,
• 6:19
  you
• 6:19
  can
• 6:19
  knock
• 6:20
  some
• 6:20
  things
• 6:20
  out.
• 6:21
  And
• 6:21
  tier
• 6:21
  three
• 6:22
  is
• 6:22
  lifestyle.
• 6:23
  That's
• 6:23
  those
• 6:24
  streaming
• 6:24
  expenses,
• 6:25
  the
• 6:25
  dining
• 6:26
  out,
• 6:26
  all
• 6:26
  those
• 6:27
  extras.
• 6:28
  I
• 6:28
  really
• 6:28
  think
• 6:28
  that
• 6:29
  three
• 6:29
  tier
• 6:29
  approach
• 6:30
  works.
• 6:30
  Survival,
• 6:31
  stability
• 6:32
  and
• 6:32
  lifestyle.
• 6:33
  And
• 6:34
  when
• 6:34
  costs
• 6:34
  rise,
• 6:35
  you
• 6:35
  just
• 6:36
  adjust
• 6:36
  tier
• 6:36
  3
• 6:37
  first.
• 6:38
  You
• 6:38
  don't
• 6:38
  adjust
• 6:39
  everything
• 6:39
  else.
• 6:40
  And
• 6:40
  when
• 6:40
  you
• 6:41
  live
• 6:41
  in
• 6:41
  that
• 6:41
  reality,
• 6:42
  it
• 6:42
  prevents
• 6:43
  that
• 6:43
  emotional
• 6:44
  overcorrecting.
• 6:45
  And
• 6:45
  finally,
• 6:46
  the
• 6:46
  last
• 6:46
  thing
• 6:47
  I'm
• 6:47
  going
• 6:47
  to
• 6:47
  say
• 6:47
  about
• 6:47
  this
• 6:48
  is
• 6:48
  we've
• 6:49
  got
• 6:49
  to
• 6:49
  do
• 6:49
  a
• 6:50
  better
• 6:50
  job
• 6:50
  of
• 6:51
  redefining
• 6:51
  success.
• 6:53
  Success
• 6:54
  isn't,
• 6:54
  nothing
• 6:55
  ever
• 6:55
  changes.
• 6:56
  If
• 6:56
  you
• 6:57
  think
• 6:57
  that's
• 6:57
  going
• 6:57
  to
• 6:57
  happen,
• 6:58
  it's
• 6:58
  not
• 6:58
  going
• 6:59
  to
• 6:59
  work.
• 7:00
  Success
• 7:00
  is
• 7:01
  this.
• 7:02
  I
• 7:02
  adjusted
• 7:03
  calmly.
• 7:04
  See,
• 7:04
  because
• 7:05
  the
• 7:05
  truth
• 7:05
  is
• 7:05
  you're
• 7:05
  not
• 7:06
  failing
• 7:06
  when
• 7:06
  prices
• 7:07
  rise.
• 7:08
  You're
• 7:08
  adapting.
• 7:09
  And
• 7:10
  adaptation
• 7:11
  is
• 7:11
  wisdom.
• 7:13
  So
• 7:13
  here's
• 7:13
  my
• 7:13
  one
• 7:14
  piece
• 7:14
  of
• 7:14
  encouragement
• 7:15
  for
• 7:15
  today.
• 7:16
  Flexible
• 7:17
  plans
• 7:17
  survive
• 7:18
  real
• 7:18
  life.
• 7:19
  So
• 7:20
  here's
• 7:20
  your
• 7:20
  action
• 7:20
  step
• 7:21
  for
• 7:21
  today.
• 7:21
  I
• 7:21
  want
• 7:21
  you
• 7:22
  to
• 7:22
  add
• 7:22
  one
• 7:23
  new
• 7:23
  line
• 7:23
  to
• 7:23
  your
• 7:24
  budget.
• 7:24
  We're
• 7:25
  going
• 7:25
  to
• 7:25
  call
• 7:25
  it
• 7:25
  our
• 7:25
  shock
• 7:26
  absorber.
• 7:27
  And
• 7:27
  even
• 7:27
  if
• 7:27
  you
• 7:28
  just
• 7:28
  add
• 7:28
  $25
• 7:29
  into
• 7:29
  it,
• 7:30
  you're
• 7:30
  going
• 7:30
  to
• 7:31
  see
• 7:31
  a
• 7:31
  dramatic
• 7:31
  change
• 7:31
  because
• 7:32
  that
• 7:32
  single
• 7:32
  change
• 7:33
  will
• 7:33
  make
• 7:34
  your
• 7:34
  budget
• 7:34
  sturdier
• 7:35
  starting
• 7:36
  this
• 7:36
  very
• 7:36
  month.
• 7:37
  Well,
• 7:38
  let's
• 7:38
  get
• 7:38
  into
• 7:38
  some
• 7:38
  sturdiness
• 7:39
  in
• 7:39
  the
• 7:40
  word
• 7:40
  of
• 7:40
  God.
• 7:40
  Let's
• 7:40
  go
• 7:41
  to
• 7:41
  the
• 7:41
  book
• 7:41
  of
• 7:42
  Proverbs,
• 7:42
  chapter
• 7:43
  16,
• 7:44
  verse
• 7:44
  9.
• 7:45
  And
• 7:45
  I
• 7:45
  just
• 7:45
  love
• 7:46
  this
• 7:46
  one.
• 7:46
  It
• 7:47
  just
• 7:47
  goes
• 7:47
  into
• 7:47
  exactly
• 7:48
  what
• 7:48
  we're
• 7:48
  talking
• 7:48
  about
• 7:49
  again,
• 7:49
  Proverbs
• 7:50
  16,
• 7:50
  9.
• 7:52
  In
• 7:52
  their
• 7:52
  hearts,
• 7:52
  humans
• 7:53
  plan
• 7:53
  their
• 7:54
  course,
• 7:55
  but
• 7:55
  the
• 7:55
  Lord
• 7:56
  establishes
• 7:56
  their
• 7:57
  steps.
• 7:58
  See,
• 7:59
  we
• 7:59
  have
• 7:59
  to
• 7:59
  plan
• 8:00
  faithfully,
• 8:01
  but
• 8:01
  we've
• 8:01
  got
• 8:01
  to
• 8:02
  stay
• 8:02
  humble
• 8:02
  and
• 8:03
  flexible
• 8:04
  because
• 8:04
  life
• 8:05
  unfolds
• 8:05
  in
• 8:05
  ways
• 8:06
  that
• 8:06
  we
• 8:06
  can't
• 8:06
  fully
• 8:07
  control.
• 8:07
  That's
• 8:07
  just
• 8:07
  part
• 8:08
  of
• 8:08
  life.
• 8:09
  How
• 8:09
  about
• 8:09
  we
• 8:09
  pray
• 8:09
  together?
• 8:11
  Lord,
• 8:12
  you
• 8:12
  know
• 8:12
  how
• 8:12
  very
• 8:13
  discouraging
• 8:13
  it
• 8:14
  feels
• 8:14
  when
• 8:14
  careful
• 8:15
  plans
• 8:15
  fall
• 8:15
  apart.
• 8:17
  So
• 8:17
  right
• 8:17
  now,
• 8:17
  would
• 8:17
  you
• 8:18
  please
• 8:18
  give
• 8:18
  us
• 8:18
  resilience,
• 8:20
  help
• 8:20
  us
• 8:20
  build
• 8:21
  wisely,
• 8:22
  help
• 8:22
  us
• 8:22
  to
• 8:23
  adjust
• 8:23
  calmly
• 8:24
  and
• 8:24
  help
• 8:25
  us
• 8:25
  to
• 8:25
  trust
• 8:25
  you
• 8:25
  completely.
• 8:27
  Must
• 8:27
  have
• 8:28
  replace
• 8:28
  frustration
• 8:29
  with
• 8:29
  flexibility.
• 8:31
  And
• 8:31
  remind
• 8:32
  all
• 8:32
  of
• 8:32
  us
• 8:33
  that
• 8:33
  adaptation
• 8:34
  is
• 8:34
  not
• 8:34
  defeat,
• 8:36
  it's
• 8:36
  actually
• 8:36
  growth.
• 8:38
  So
• 8:38
  Lord,
• 8:38
  we
• 8:38
  ask
• 8:38
  that
• 8:39
  you
• 8:39
  will
• 8:39
  guide
• 8:39
  our
• 8:39
  steps
• 8:40
  as
• 8:40
  we
• 8:40
  steward
• 8:41
  what
• 8:41
  you've
• 8:41
  given
• 8:41
  us.
• 8:42
  And
• 8:43
  we
• 8:43
  ask
• 8:43
  this
• 8:43
  in
• 8:44
  Jesus
• 8:44
  name.
• 8:45
  Amen,
• 8:47
  friend.
• 8:48
  You
• 8:48
  don't
• 8:49
  need
• 8:49
  a
• 8:49
  perfect
• 8:49
  budget,
• 8:51
  you
• 8:51
  just
• 8:51
  need
• 8:51
  a
• 8:51
  flexible
• 8:52
  one.
• 8:53
  And
• 8:53
  if
• 8:53
  you've
• 8:53
  got
• 8:54
  a
• 8:54
  question
• 8:54
  for
• 8:54
  this
• 8:54
  show,
• 8:55
  I
• 8:55
  would
• 8:55
  love
• 8:55
  to
• 8:55
  hear
• 8:56
  from
• 8:56
  you.
• 8:56
  Go
• 8:57
  to
• 8:57
  financiallyconfidentchristian.com/question
• 9:02
  now.
• 9:02
  We'll
• 9:02
  put
• 9:02
  that
• 9:02
  in
• 9:03
  the
• 9:03
  show
• 9:03
  notes,
• 9:03
  but
• 9:03
  I'm
• 9:03
  going
• 9:04
  to
• 9:04
  give
• 9:04
  it
• 9:04
  to
• 9:04
  you
• 9:04
  again.
• 9:04
  In
• 9:04
  case
• 9:04
  you
• 9:05
  want
• 9:05
  to
• 9:05
  write
• 9:05
  it
• 9:05
  down,
• 9:06
  it's
• 9:06
  financiallyconfidentChristian.com/question.
• 9:11
  And
• 9:11
  I
• 9:11
  just
• 9:12
  want
• 9:12
  to
• 9:12
  thank
• 9:12
  you
• 9:12
  so
• 9:12
  much
• 9:13
  for
• 9:13
  joining
• 9:13
  me
• 9:13
  today.
• 9:14
  Stay
• 9:15
  financially
• 9:15
  savvy.
• 9:16
  May
• 9:16
  God
• 9:17
  bless
• 9:17
  you.
• 9:17
  And
• 9:18
  you
• 9:18
  have
• 9:18
  a
• 9:18
  great
• 9:18
  day
• 9:19
  today.