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Investing for Other Goals: Home, College, or Big Purchases? · Becoming Financially Confident

• 0:38
  I
• 0:38
  got
• 0:38
  this
• 0:38
  listener
• 0:38
  question
• 0:39
  the
• 0:39
  other
• 0:39
  day
• 0:39
  and
• 0:39
  I
• 0:39
  said
• 0:40
  this
• 0:40
  is
• 0:40
  a
• 0:40
  perfect
• 0:41
  question
• 0:41
  to
• 0:41
  talk
• 0:41
  about
• 0:42
  on
• 0:42
  today's
• 0:42
  show.
• 0:43
  Ralph,
• 0:43
  I
• 0:43
  know
• 0:44
  retirement
• 0:44
  is
• 0:44
  important,
• 0:45
  but
• 0:45
  what
• 0:46
  about
• 0:46
  other
• 0:46
  goals
• 0:47
  like
• 0:47
  saving
• 0:47
  for
• 0:48
  a
• 0:48
  house,
• 0:48
  paying
• 0:49
  for
• 0:49
  my
• 0:49
  kids
• 0:49
  education
• 0:50
  or
• 0:50
  even
• 0:51
  a
• 0:51
  big
• 0:51
  purchase.
• 0:52
  How
• 0:52
  do
• 0:52
  I
• 0:53
  invest
• 0:53
  for
• 0:53
  those?
• 0:54
  And
• 0:54
  I
• 0:54
  thought
• 0:55
  this
• 0:55
  was
• 0:55
  an
• 0:55
  excellent
• 0:55
  question.
• 0:55
  As
• 0:56
  we
• 0:56
  talk
• 0:56
  about
• 0:56
  investments,
• 0:57
  it's
• 0:57
  so
• 0:58
  easy
• 0:58
  to
• 0:58
  get
• 0:58
  stuck
• 0:59
  on
• 0:59
  just
• 0:59
  that
• 0:59
  vision
• 1:00
  of
• 1:00
  retirement.
• 1:01
  Listen,
• 1:01
  life's
• 1:02
  not
• 1:02
  all
• 1:02
  about
• 1:02
  just
• 1:02
  what
• 1:03
  happens
• 1:03
  in
• 1:03
  the
• 1:03
  end
• 1:03
  life.
• 1:04
  Not
• 1:04
  every
• 1:04
  goal
• 1:05
  is
• 1:05
  retirement.
• 1:05
  Life
• 1:06
  has
• 1:06
  milestones.
• 1:07
  Buying
• 1:07
  a
• 1:07
  home,
• 1:08
  sending
• 1:08
  kids
• 1:09
  to
• 1:09
  college,
• 1:09
  even
• 1:10
  dream
• 1:10
  purchases.
• 1:11
  Each
• 1:11
  one
• 1:11
  has
• 1:12
  a
• 1:12
  different
• 1:12
  timeline
• 1:13
  which
• 1:13
  means
• 1:13
  different
• 1:14
  investing
• 1:14
  approaches.
• 1:15
  Let's
• 1:16
  talk
• 1:16
  about
• 1:16
  that
• 1:16
  on
• 1:16
  today's
• 1:17
  show.
• 1:19
  This
• 1:19
  is
• 1:19
  financially
• 1:20
  Confident
• 1:20
  Christian,
• 1:21
  your
• 1:21
  daily
• 1:22
  dose
• 1:22
  of
• 1:22
  gospel,
• 1:22
  grounded
• 1:23
  insight
• 1:23
  and
• 1:24
  faith
• 1:24
  driven
• 1:24
  tips
• 1:25
  to
• 1:25
  help
• 1:25
  you
• 1:25
  break
• 1:26
  the
• 1:26
  cycle
• 1:26
  of
• 1:26
  financial
• 1:27
  shame
• 1:27
  with
• 1:27
  confidence.
• 1:30
  Hey
• 1:30
  there,
• 1:30
  welcome
• 1:31
  back
• 1:31
  to
• 1:31
  the
• 1:31
  show.
• 1:31
  My
• 1:31
  name
• 1:32
  is
• 1:32
  Ralph
• 1:32
  and
• 1:32
  I,
• 1:33
  I
• 1:33
  have
• 1:33
  a
• 1:33
  passion
• 1:34
  for
• 1:34
  the
• 1:34
  topic
• 1:34
  we're
• 1:35
  talking
• 1:35
  about
• 1:35
  today.
• 1:36
  For
• 1:36
  over
• 1:37
  three
• 1:37
  decades
• 1:37
  I've
• 1:38
  helped
• 1:38
  families
• 1:38
  just
• 1:39
  like
• 1:39
  you,
• 1:39
  people
• 1:39
  just
• 1:39
  like
• 1:40
  you
• 1:40
  balance
• 1:41
  saving
• 1:41
  for
• 1:41
  retirement
• 1:42
  with
• 1:42
  other
• 1:42
  priorities.
• 1:43
  And
• 1:43
  listen,
• 1:43
  there's
• 1:43
  a
• 1:43
  lot
• 1:43
  of
• 1:43
  them
• 1:44
  out
• 1:44
  there,
• 1:44
  buying
• 1:45
  a
• 1:45
  new
• 1:45
  home,
• 1:46
  educating
• 1:47
  our
• 1:47
  children.
• 1:47
  I've
• 1:47
  been
• 1:47
  right
• 1:48
  where
• 1:48
  you
• 1:48
  are
• 1:49
  and
• 1:49
  I've
• 1:49
  had
• 1:50
  to
• 1:50
  make
• 1:50
  those
• 1:50
  tough
• 1:50
  choices
• 1:51
  myself,
• 1:52
  deciding
• 1:53
  how
• 1:53
  to
• 1:53
  balance
• 1:54
  those
• 1:54
  immediate
• 1:55
  needs
• 1:55
  with
• 1:55
  those
• 1:55
  long
• 1:56
  term
• 1:56
  financial
• 1:57
  goals.
• 1:58
  And
• 1:58
  I
• 1:58
  use
• 1:59
  the
• 1:59
  word
• 1:59
  balancing
• 1:59
  because
• 1:59
  it's
• 2:00
  so
• 2:00
  important
• 2:00
  we
• 2:00
  understand
• 2:01
  that
• 2:01
  it
• 2:01
  really
• 2:01
  is
• 2:02
  a
• 2:02
  balance.
• 2:03
  So
• 2:04
  I
• 2:04
  want
• 2:04
  to
• 2:04
  start
• 2:04
  off
• 2:04
  with
• 2:04
  a
• 2:05
  couple
• 2:05
  that
• 2:05
  I
• 2:05
  worked
• 2:05
  with
• 2:06
  a
• 2:06
  few
• 2:06
  years
• 2:06
  ago.
• 2:07
  They
• 2:07
  came
• 2:07
  in
• 2:07
  and
• 2:08
  sat
• 2:08
  down
• 2:08
  with
• 2:08
  me
• 2:08
  and
• 2:09
  they
• 2:09
  wanted
• 2:09
  to
• 2:09
  invest
• 2:09
  for
• 2:10
  their
• 2:10
  child's
• 2:10
  college.
• 2:11
  And
• 2:12
  I'll
• 2:12
  never
• 2:12
  forget,
• 2:12
  husband
• 2:13
  and
• 2:13
  wife
• 2:13
  came
• 2:13
  in
• 2:13
  and
• 2:13
  sat
• 2:13
  down.
• 2:13
  They
• 2:14
  had
• 2:14
  told
• 2:14
  me
• 2:14
  about,
• 2:14
  hey,
• 2:15
  they
• 2:15
  talked
• 2:15
  to
• 2:15
  somebody
• 2:15
  at
• 2:15
  work
• 2:16
  and
• 2:16
  they
• 2:16
  were
• 2:17
  tempted
• 2:17
  in
• 2:17
  this
• 2:17
  high
• 2:18
  return
• 2:18
  stock,
• 2:18
  somebody
• 2:19
  at
• 2:19
  work
• 2:19
  could
• 2:19
  give
• 2:19
  them
• 2:19
  a
• 2:19
  tip.
• 2:20
  How
• 2:20
  many
• 2:20
  times
• 2:20
  I
• 2:20
  hear
• 2:21
  about
• 2:21
  these
• 2:21
  tips,
• 2:22
  they
• 2:22
  were
• 2:22
  going
• 2:22
  to
• 2:23
  make
• 2:23
  a
• 2:23
  quick
• 2:23
  killing
• 2:23
  overnight.
• 2:25
  I
• 2:25
  remember
• 2:25
  I
• 2:25
  said
• 2:26
  oh,
• 2:26
  let's
• 2:26
  take
• 2:26
  a
• 2:26
  step
• 2:26
  back
• 2:26
  real
• 2:27
  quick.
• 2:27
  Let's
• 2:27
  take
• 2:27
  a
• 2:27
  pause
• 2:28
  here
• 2:28
  for
• 2:28
  a
• 2:28
  second.
• 2:29
  And
• 2:30
  I
• 2:30
  took
• 2:30
  a
• 2:30
  look
• 2:30
  at
• 2:30
  their
• 2:30
  timeline
• 2:31
  and
• 2:31
  I
• 2:32
  said
• 2:32
  wait
• 2:32
  a
• 2:32
  second.
• 2:32
  Timeline
• 2:33
  wise,
• 2:34
  some
• 2:35
  safer
• 2:35
  investments
• 2:36
  might
• 2:36
  make
• 2:36
  more
• 2:36
  sense
• 2:36
  because
• 2:37
  I
• 2:37
  was
• 2:37
  worried
• 2:37
  about
• 2:37
  them
• 2:37
  getting
• 2:37
  into
• 2:38
  this
• 2:38
  investment
• 2:39
  that
• 2:39
  didn't
• 2:39
  make
• 2:40
  what
• 2:40
  they
• 2:40
  thought
• 2:40
  it
• 2:40
  was
• 2:41
  going
• 2:41
  to
• 2:41
  make
• 2:41
  in
• 2:41
  the
• 2:41
  short
• 2:41
  term.
• 2:43
  And
• 2:43
  as
• 2:43
  I
• 2:43
  was
• 2:43
  preparing
• 2:44
  for
• 2:44
  today,
• 2:44
  I
• 2:44
  found
• 2:44
  this
• 2:44
  quote
• 2:45
  from
• 2:45
  Susie
• 2:45
  Orman.
• 2:46
  I
• 2:46
  thought
• 2:46
  this
• 2:46
  was
• 2:46
  just
• 2:47
  brilliant
• 2:47
  for
• 2:47
  the
• 2:48
  topic
• 2:48
  we're
• 2:48
  talking
• 2:48
  about
• 2:49
  today.
• 2:50
  Investing
• 2:51
  isn't
• 2:51
  just
• 2:51
  about
• 2:51
  retirement.
• 2:53
  It's
• 2:53
  about
• 2:54
  aligning
• 2:54
  your
• 2:54
  money
• 2:54
  with
• 2:55
  your
• 2:55
  life
• 2:55
  goals.
• 2:56
  And
• 2:57
  see
• 2:57
  that's
• 2:57
  the
• 2:57
  truth.
• 2:58
  Susie
• 2:59
  nails
• 2:59
  it
• 2:59
  here.
• 3:00
  That's
• 3:00
  what
• 3:00
  I'll
• 3:00
  talk
• 3:00
  about
• 3:00
  on
• 3:01
  today's
• 3:01
  show.
• 3:01
  Because
• 3:01
  it's
• 3:02
  all
• 3:02
  about
• 3:02
  finding
• 3:03
  that
• 3:04
  alignment.
• 3:05
  That's
• 3:06
  what
• 3:06
  it's
• 3:06
  all
• 3:06
  about,
• 3:06
  isn't
• 3:07
  it?
• 3:07
  Think
• 3:08
  about
• 3:08
  a
• 3:08
  car
• 3:08
  you're
• 3:08
  driving
• 3:08
  down
• 3:09
  the
• 3:09
  road.
• 3:09
  As
• 3:09
  I
• 3:10
  was
• 3:10
  prepared
• 3:10
  for
• 3:10
  today's
• 3:10
  show,
• 3:10
  I
• 3:11
  thought
• 3:11
  about
• 3:11
  this.
• 3:11
  A
• 3:11
  car,
• 3:11
  got
• 3:12
  a
• 3:12
  car
• 3:12
  driving
• 3:12
  down
• 3:12
  the
• 3:12
  road.
• 3:13
  All
• 3:13
  of
• 3:13
  a
• 3:13
  sudden
• 3:14
  you
• 3:14
  start
• 3:14
  feeling
• 3:14
  it
• 3:14
  pulling
• 3:15
  the
• 3:15
  one
• 3:15
  way
• 3:15
  or
• 3:15
  the
• 3:15
  other.
• 3:16
  I
• 3:16
  don't
• 3:17
  know
• 3:17
  much
• 3:17
  about
• 3:17
  cars.
• 3:17
  But
• 3:17
  then
• 3:18
  I
• 3:18
  realized,
• 3:18
  wait
• 3:18
  a
• 3:18
  minute,
• 3:18
  this
• 3:18
  thing's
• 3:19
  out
• 3:19
  of
• 3:19
  alignment.
• 3:20
  Well,
• 3:20
  if
• 3:20
  I
• 3:20
  don't
• 3:21
  do
• 3:21
  something
• 3:21
  about
• 3:21
  that,
• 3:21
  what
• 3:22
  happens?
• 3:23
  At
• 3:23
  some
• 3:23
  point
• 3:23
  I'm
• 3:24
  going
• 3:24
  to
• 3:24
  be
• 3:24
  looking
• 3:24
  at
• 3:24
  it
• 3:24
  and
• 3:24
  the
• 3:25
  tires
• 3:25
  are
• 3:25
  going
• 3:25
  to
• 3:25
  get
• 3:25
  a
• 3:26
  weird
• 3:26
  wear
• 3:26
  on.
• 3:26
  That's
• 3:26
  what
• 3:27
  happens
• 3:27
  if
• 3:27
  your
• 3:27
  car
• 3:27
  is
• 3:27
  not
• 3:27
  in
• 3:28
  alignment.
• 3:29
  Well,
• 3:29
  if
• 3:29
  you
• 3:29
  don't
• 3:29
  have
• 3:30
  your
• 3:30
  financial
• 3:30
  horizons
• 3:31
  in
• 3:31
  alignment,
• 3:31
  guess
• 3:32
  what?
• 3:32
  You're
• 3:32
  going
• 3:32
  to
• 3:32
  find
• 3:32
  yourself
• 3:33
  in
• 3:33
  a
• 3:33
  very
• 3:33
  similar
• 3:33
  situation.
• 3:35
  So
• 3:35
  that's
• 3:35
  what
• 3:35
  I
• 3:35
  want
• 3:35
  to
• 3:36
  talk
• 3:36
  today
• 3:36
  about,
• 3:36
  those
• 3:37
  time
• 3:37
  horizons.
• 3:38
  It's
• 3:38
  really
• 3:38
  important
• 3:38
  that
• 3:39
  we
• 3:39
  narrow
• 3:39
  this
• 3:39
  down
• 3:40
  because
• 3:40
  there
• 3:40
  are
• 3:40
  so
• 3:40
  many
• 3:41
  things
• 3:41
  to
• 3:41
  save
• 3:42
  more
• 3:42
  besides
• 3:43
  retirement.
• 3:43
  Listen,
• 3:43
  I'm
• 3:44
  not
• 3:44
  saying
• 3:44
  retirement
• 3:44
  is
• 3:44
  not
• 3:45
  important.
• 3:45
  I've
• 3:45
  done
• 3:45
  many
• 3:45
  shows
• 3:46
  the
• 3:46
  last
• 3:46
  couple
• 3:47
  days
• 3:47
  about
• 3:47
  this
• 3:47
  actually.
• 3:48
  Actually
• 3:48
  many
• 3:48
  shows
• 3:48
  over
• 3:48
  my
• 3:48
  30
• 3:49
  years
• 3:49
  of
• 3:49
  working
• 3:50
  in
• 3:50
  this
• 3:50
  industry.
• 3:52
  That's
• 3:52
  important.
• 3:53
  But
• 3:53
  there
• 3:53
  are
• 3:54
  other
• 3:54
  goals.
• 3:55
  So
• 3:55
  let's
• 3:55
  start
• 3:56
  off
• 3:56
  with
• 3:56
  understanding.
• 3:57
  Really
• 3:57
  what
• 3:57
  I
• 3:57
  see
• 3:57
  are
• 3:58
  the
• 3:58
  three
• 3:58
  main
• 3:59
  time
• 3:59
  horizons.
• 4:00
  There's
• 4:00
  the
• 4:01
  short
• 4:01
  term
• 4:01
  goals,
• 4:01
  that's
• 4:01
  those
• 4:02
  one
• 4:02
  to
• 4:02
  three
• 4:02
  year
• 4:02
  goals.
• 4:03
  There's
• 4:03
  the
• 4:03
  medium
• 4:04
  term
• 4:04
  goals,
• 4:04
  that's
• 4:04
  the
• 4:05
  three
• 4:05
  to
• 4:05
  ten.
• 4:05
  And
• 4:06
  then
• 4:06
  there's
• 4:06
  the
• 4:06
  long
• 4:06
  term
• 4:07
  goals,
• 4:07
  ten
• 4:07
  plus
• 4:07
  years.
• 4:08
  But
• 4:09
  each
• 4:09
  of
• 4:09
  these
• 4:10
  have
• 4:10
  different
• 4:11
  things
• 4:11
  that
• 4:11
  we
• 4:11
  need
• 4:12
  to
• 4:12
  understand.
• 4:12
  Let's
• 4:13
  talk
• 4:13
  about
• 4:13
  those
• 4:13
  short
• 4:13
  term
• 4:13
  goals
• 4:14
  first.
• 4:14
  Like
• 4:14
  I
• 4:14
  said,
• 4:14
  these
• 4:15
  are
• 4:15
  your
• 4:15
  one
• 4:15
  to
• 4:15
  three
• 4:15
  year
• 4:16
  goals
• 4:17
  for
• 4:17
  investing
• 4:18
  in
• 4:18
  these
• 4:18
  things.
• 4:18
  You
• 4:19
  want
• 4:19
  to
• 4:19
  use
• 4:19
  things
• 4:19
  that
• 4:19
  are
• 4:20
  relatively
• 4:20
  safe.
• 4:20
  These
• 4:21
  are
• 4:21
  the
• 4:21
  times
• 4:21
  to
• 4:22
  use
• 4:22
  savings
• 4:22
  accounts,
• 4:23
  certificates
• 4:23
  of
• 4:24
  deposits,
• 4:24
  maybe
• 4:24
  money
• 4:25
  market
• 4:25
  accounts.
• 4:26
  Because
• 4:26
  you
• 4:26
  can't
• 4:26
  afford
• 4:26
  to
• 4:27
  risk
• 4:27
  money
• 4:27
  that
• 4:27
  you
• 4:28
  need
• 4:28
  soon.
• 4:29
  Go
• 4:29
  back
• 4:30
  to
• 4:30
  that
• 4:30
  example
• 4:30
  I
• 4:31
  talked
• 4:31
  about.
• 4:32
  These
• 4:32
  folks
• 4:33
  are
• 4:33
  going
• 4:33
  to
• 4:33
  be
• 4:33
  putting
• 4:33
  their
• 4:33
  children
• 4:34
  into
• 4:34
  school
• 4:34
  in
• 4:34
  just
• 4:35
  a
• 4:35
  couple
• 4:35
  years.
• 4:36
  They
• 4:36
  didn't
• 4:37
  have
• 4:37
  time
• 4:37
  for
• 4:37
  a
• 4:38
  quick
• 4:38
  win.
• 4:38
  Yeah,
• 4:39
  great
• 4:39
  if
• 4:39
  it
• 4:39
  does
• 4:39
  win
• 4:39
  overnight,
• 4:40
  but
• 4:41
  what
• 4:41
  if
• 4:41
  it
• 4:41
  loses?
• 4:42
  They
• 4:42
  don't
• 4:42
  have
• 4:42
  time
• 4:43
  to
• 4:43
  recover
• 4:43
  from
• 4:43
  that.
• 4:44
  So
• 4:45
  think
• 4:45
  about
• 4:45
  those
• 4:45
  short
• 4:45
  term
• 4:46
  goals.
• 4:46
  If
• 4:47
  you've
• 4:47
  got
• 4:47
  a
• 4:47
  short
• 4:47
  term
• 4:48
  goal,
• 4:48
  you've
• 4:48
  got
• 4:49
  to
• 4:49
  use
• 4:49
  short
• 4:50
  term
• 4:50
  investments.
• 4:51
  Things
• 4:51
  that
• 4:51
  are
• 4:51
  safe,
• 4:52
  things
• 4:52
  that
• 4:52
  don't
• 4:53
  carry
• 4:53
  that
• 4:53
  risk.
• 4:55
  These
• 4:55
  are
• 4:55
  the
• 4:55
  things
• 4:55
  that
• 4:56
  the
• 4:56
  money
• 4:56
  you're
• 4:56
  going
• 4:56
  to
• 4:57
  need
• 4:57
  soon,
• 4:57
  second
• 4:57
  tier,
• 4:58
  mid
• 4:59
  range
• 4:59
  or
• 4:59
  midterm
• 5:00
  goals.
• 5:00
  Those
• 5:00
  are
• 5:01
  your
• 5:01
  three
• 5:01
  to
• 5:01
  10
• 5:01
  year
• 5:02
  goals.
• 5:02
  Now
• 5:03
  here's
• 5:03
  where
• 5:03
  you
• 5:03
  actually
• 5:04
  can
• 5:04
  think
• 5:04
  about
• 5:04
  considering
• 5:05
  a
• 5:05
  mix
• 5:05
  of
• 5:06
  bonds
• 5:06
  and
• 5:06
  maybe
• 5:07
  some
• 5:07
  conservative
• 5:07
  stock
• 5:08
  funds.
• 5:08
  Again,
• 5:08
  like
• 5:08
  I
• 5:08
  said
• 5:08
  the
• 5:09
  other
• 5:09
  day,
• 5:10
  even
• 5:10
  funds
• 5:10
  have
• 5:11
  risk.
• 5:12
  But
• 5:12
  here
• 5:12
  what
• 5:12
  you're
• 5:13
  doing
• 5:13
  is
• 5:13
  you're
• 5:13
  balancing
• 5:13
  that
• 5:14
  safety
• 5:14
  with
• 5:15
  some
• 5:15
  growth.
• 5:15
  You're
• 5:15
  saying,
• 5:16
  okay,
• 5:16
  Ralph,
• 5:16
  it's
• 5:17
  cool,
• 5:17
  like
• 5:17
  I'm
• 5:17
  going
• 5:17
  to
• 5:17
  take
• 5:18
  a
• 5:18
  little
• 5:18
  bit
• 5:18
  of
• 5:18
  risk,
• 5:19
  I'm
• 5:19
  going
• 5:19
  to
• 5:19
  put
• 5:19
  myself
• 5:20
  out
• 5:20
  there
• 5:20
  a
• 5:20
  little
• 5:20
  bit
• 5:20
  because
• 5:20
  I
• 5:20
  got
• 5:20
  a
• 5:21
  little
• 5:21
  bit
• 5:21
  of
• 5:21
  a
• 5:21
  time
• 5:21
  horizon.
• 5:22
  But
• 5:23
  you're
• 5:23
  balancing
• 5:23
  that
• 5:24
  with
• 5:24
  that
• 5:24
  safety
• 5:24
  because,
• 5:24
  yeah,
• 5:25
  I'm
• 5:25
  going
• 5:25
  to
• 5:25
  need
• 5:25
  this
• 5:25
  money
• 5:25
  in
• 5:26
  three
• 5:26
  to
• 5:26
  ten
• 5:26
  years.
• 5:26
  I
• 5:26
  know
• 5:26
  it's
• 5:27
  a
• 5:27
  big
• 5:27
  swath
• 5:27
  of
• 5:27
  time,
• 5:28
  maybe
• 5:28
  I
• 5:29
  have
• 5:29
  to
• 5:29
  get
• 5:29
  a
• 5:29
  little
• 5:29
  more
• 5:29
  granular
• 5:30
  than
• 5:30
  that.
• 5:31
  But
• 5:31
  you
• 5:31
  got
• 5:31
  to
• 5:31
  think
• 5:32
  about
• 5:32
  what
• 5:32
  is
• 5:32
  my
• 5:32
  time
• 5:33
  horizon,
• 5:34
  when
• 5:34
  do
• 5:34
  I
• 5:34
  need
• 5:34
  this
• 5:35
  money?
• 5:35
  So
• 5:35
  what
• 5:35
  does
• 5:36
  my
• 5:36
  investment
• 5:36
  mix
• 5:37
  need
• 5:37
  to
• 5:37
  look
• 5:37
  like?
• 5:38
  And
• 5:38
  then
• 5:39
  finally
• 5:39
  we
• 5:39
  look
• 5:39
  at
• 5:39
  our
• 5:39
  long
• 5:40
  term
• 5:40
  goals,
• 5:40
  which
• 5:40
  most
• 5:40
  people,
• 5:41
  that's
• 5:41
  retirement.
• 5:42
  For
• 5:42
  most
• 5:43
  people,
• 5:43
  retirement
• 5:43
  is
• 5:44
  a
• 5:44
  long
• 5:44
  term
• 5:44
  goal.
• 5:44
  I'm
• 5:45
  gonna
• 5:45
  tell
• 5:45
  you
• 5:45
  right
• 5:45
  now,
• 5:45
  I
• 5:45
  just
• 5:45
  turned
• 5:45
  53
• 5:46
  a
• 5:46
  couple
• 5:46
  weeks
• 5:46
  ago.
• 5:47
  That
• 5:47
  retirement
• 5:48
  goal
• 5:48
  is
• 5:48
  getting
• 5:48
  a
• 5:48
  little
• 5:49
  closer
• 5:49
  for
• 5:49
  me.
• 5:50
  So
• 5:50
  even
• 5:50
  in
• 5:51
  my
• 5:51
  own
• 5:51
  life,
• 5:51
  I
• 5:51
  gotta
• 5:52
  start
• 5:52
  thinking
• 5:52
  about
• 5:52
  even
• 5:53
  in
• 5:53
  my
• 5:53
  retirement
• 5:54
  portfolio,
• 5:55
  what
• 5:55
  are
• 5:55
  the
• 5:55
  stocks,
• 5:56
  what
• 5:56
  are
• 5:56
  the
• 5:56
  investments
• 5:57
  that
• 5:57
  I
• 5:57
  have
• 5:58
  and
• 5:58
  how
• 5:58
  much
• 5:59
  time
• 5:59
  do
• 5:59
  I
• 5:59
  have
• 5:59
  to
• 6:00
  really
• 6:00
  make
• 6:00
  a
• 6:00
  change
• 6:01
  if
• 6:01
  the
• 6:02
  market
• 6:02
  changes?
• 6:04
  Because
• 6:04
  it's
• 6:04
  all
• 6:04
  about
• 6:04
  prioritization.
• 6:06
  Always
• 6:06
  keep
• 6:07
  retirement
• 6:07
  on
• 6:07
  your
• 6:08
  track
• 6:08
  first.
• 6:08
  That's
• 6:09
  very
• 6:09
  important.
• 6:09
  A
• 6:09
  lot
• 6:09
  of
• 6:09
  people
• 6:09
  miss
• 6:10
  that.
• 6:10
  I
• 6:10
  did
• 6:10
  a
• 6:10
  show
• 6:11
  about
• 6:11
  that
• 6:11
  just
• 6:11
  the
• 6:11
  other
• 6:11
  day.
• 6:12
  So
• 6:12
  many
• 6:13
  people
• 6:13
  are
• 6:13
  not
• 6:13
  putting
• 6:13
  a
• 6:14
  month
• 6:14
  away
• 6:14
  for
• 6:14
  retirement.
• 6:16
  But
• 6:16
  you
• 6:16
  can't
• 6:16
  sacrifice
• 6:17
  everything
• 6:17
  for
• 6:18
  retirement.
• 6:19
  There
• 6:19
  are
• 6:19
  other
• 6:19
  goals.
• 6:21
  Maybe
• 6:21
  you're
• 6:21
  listening
• 6:22
  right
• 6:22
  now.
• 6:22
  You're
• 6:22
  watching
• 6:22
  right
• 6:22
  now.
• 6:23
  You're
• 6:23
  like,
• 6:23
  Ralph,
• 6:23
  we
• 6:23
  really
• 6:23
  would
• 6:23
  like
• 6:24
  to
• 6:24
  get
• 6:24
  a
• 6:24
  house.
• 6:24
  We're
• 6:24
  tired
• 6:25
  of
• 6:25
  renting,
• 6:26
  or
• 6:26
  we've
• 6:26
  got
• 6:26
  children
• 6:27
  that
• 6:27
  are
• 6:27
  gonna
• 6:27
  be
• 6:27
  going
• 6:27
  to
• 6:27
  college
• 6:28
  or
• 6:28
  secondary
• 6:29
  education.
• 6:30
  Or
• 6:30
  maybe
• 6:31
  like
• 6:31
  most
• 6:31
  people,
• 6:31
  you
• 6:31
  want
• 6:31
  to
• 6:32
  go
• 6:32
  take
• 6:32
  that
• 6:32
  vacation,
• 6:32
  but
• 6:33
  you
• 6:33
  don't
• 6:33
  want
• 6:33
  to
• 6:33
  run
• 6:33
  up
• 6:33
  credit
• 6:34
  card
• 6:34
  debt
• 6:34
  to
• 6:34
  do
• 6:34
  it.
• 6:34
  So
• 6:34
  you've
• 6:35
  got
• 6:35
  that
• 6:35
  saving
• 6:35
  goal.
• 6:37
  Prioritize
• 6:38
  those
• 6:38
  things.
• 6:39
  Because
• 6:39
  when
• 6:40
  you
• 6:40
  can
• 6:40
  find
• 6:40
  this
• 6:40
  match,
• 6:41
  when
• 6:41
  you
• 6:41
  can
• 6:41
  bring,
• 6:41
  like
• 6:42
  Susie
• 6:42
  Orman
• 6:42
  said,
• 6:43
  when
• 6:43
  you
• 6:43
  can
• 6:43
  bring
• 6:43
  these
• 6:43
  things
• 6:43
  into
• 6:44
  alignment,
• 6:45
  that's
• 6:46
  when
• 6:46
  you
• 6:46
  can
• 6:46
  have
• 6:46
  peace
• 6:47
  of
• 6:47
  mind.
• 6:47
  It's
• 6:47
  going
• 6:47
  to
• 6:47
  reduce
• 6:48
  your
• 6:48
  stress
• 6:49
  and
• 6:49
  it's
• 6:49
  going
• 6:49
  to
• 6:49
  reduce
• 6:50
  your
• 6:50
  regret.
• 6:50
  Because
• 6:50
  here's
• 6:51
  the
• 6:51
  truth.
• 6:52
  I
• 6:52
  have
• 6:52
  seen
• 6:52
  this
• 6:53
  in
• 6:53
  my
• 6:53
  own
• 6:53
  practice
• 6:53
  and
• 6:54
  even
• 6:54
  in
• 6:54
  my
• 6:54
  own
• 6:54
  life
• 6:54
  to
• 6:54
  some
• 6:55
  extent.
• 6:56
  Timeline
• 6:56
  issues
• 6:56
  cause
• 6:57
  so
• 6:57
  much
• 6:57
  stress,
• 6:58
  they
• 6:58
  cause
• 6:59
  so
• 6:59
  much
• 6:59
  anxiety
• 7:00
  and
• 7:00
  Honestly,
• 7:01
  they
• 7:01
  cause
• 7:01
  so
• 7:01
  much
• 7:02
  regret.
• 7:03
  And
• 7:03
  these
• 7:03
  are
• 7:04
  the
• 7:04
  kind
• 7:04
  of
• 7:04
  things
• 7:04
  you
• 7:04
  gotta
• 7:04
  adjust
• 7:04
  over
• 7:05
  time.
• 7:05
  Well,
• 7:05
  let's
• 7:05
  get
• 7:05
  right
• 7:05
  into
• 7:05
  the
• 7:06
  word
• 7:06
  of
• 7:06
  God,
• 7:06
  because
• 7:06
  I
• 7:06
  always
• 7:07
  want
• 7:07
  to
• 7:07
  give
• 7:07
  you
• 7:07
  scripture
• 7:08
  to
• 7:08
  back
• 7:08
  up
• 7:09
  what
• 7:09
  I'm
• 7:09
  saying.
• 7:09
  And
• 7:09
  today
• 7:09
  we're
• 7:10
  going
• 7:10
  to
• 7:10
  Proverbs
• 7:11
  chapter
• 7:11
  24,
• 7:12
  verse
• 7:12
  27.
• 7:14
  Put
• 7:14
  your
• 7:14
  outdoor
• 7:15
  work
• 7:15
  in
• 7:15
  order
• 7:15
  and
• 7:16
  then
• 7:16
  get
• 7:16
  your
• 7:16
  fields
• 7:17
  ready.
• 7:17
  After
• 7:17
  that,
• 7:18
  build
• 7:18
  your
• 7:18
  house.
• 7:20
  And
• 7:20
  see,
• 7:20
  this
• 7:20
  is
• 7:20
  the
• 7:20
  main
• 7:21
  goal,
• 7:21
  isn't
• 7:21
  it?
• 7:22
  Plan,
• 7:23
  prioritize.
• 7:24
  Before
• 7:25
  you
• 7:25
  spend,
• 7:25
  think
• 7:25
  about
• 7:26
  those
• 7:26
  short
• 7:26
  term
• 7:26
  goals.
• 7:27
  What
• 7:27
  are
• 7:27
  those
• 7:27
  mid
• 7:28
  range
• 7:28
  goals,
• 7:28
  what
• 7:29
  are
• 7:29
  those
• 7:29
  long
• 7:29
  term
• 7:30
  goals?
• 7:30
  Because
• 7:30
  until
• 7:30
  you
• 7:31
  understand
• 7:31
  a
• 7:31
  timeline,
• 7:32
  you
• 7:32
  don't
• 7:33
  know
• 7:33
  where
• 7:33
  to
• 7:33
  invest.
• 7:34
  Like
• 7:34
  I
• 7:34
  said,
• 7:34
  this
• 7:34
  30
• 7:35
  day
• 7:35
  series
• 7:35
  is
• 7:35
  all
• 7:36
  about
• 7:36
  a
• 7:36
  30,000
• 7:37
  foot
• 7:37
  view.
• 7:37
  But
• 7:38
  as
• 7:38
  we
• 7:38
  get
• 7:38
  a
• 7:38
  little
• 7:38
  deeper
• 7:39
  into
• 7:39
  this,
• 7:39
  we
• 7:39
  need
• 7:39
  to
• 7:40
  understand
• 7:40
  it's
• 7:41
  not
• 7:41
  just
• 7:41
  about,
• 7:41
  well,
• 7:42
  there's
• 7:42
  these
• 7:42
  type
• 7:42
  of
• 7:42
  investments
• 7:43
  now
• 7:43
  we've
• 7:44
  got
• 7:44
  to
• 7:44
  match
• 7:44
  up,
• 7:44
  okay,
• 7:45
  this
• 7:45
  type
• 7:45
  of
• 7:45
  investment
• 7:46
  for
• 7:46
  this
• 7:46
  horizon,
• 7:47
  this
• 7:47
  type
• 7:47
  of
• 7:47
  investment
• 7:48
  for
• 7:48
  this
• 7:48
  horizon.
• 7:50
  And
• 7:50
  that's
• 7:50
  really
• 7:50
  the
• 7:50
  key
• 7:50
  to
• 7:51
  today.
• 7:51
  It's
• 7:51
  all
• 7:52
  about
• 7:52
  building
• 7:52
  that
• 7:52
  alignment,
• 7:53
  building
• 7:53
  those
• 7:54
  time
• 7:54
  horizons
• 7:55
  and
• 7:55
  really
• 7:55
  understanding
• 7:56
  what
• 7:56
  our
• 7:57
  goals
• 7:57
  are
• 7:57
  and
• 7:58
  finding
• 7:58
  the
• 7:58
  right
• 7:59
  investments
• 7:59
  for
• 7:59
  those.
• 7:59
  Well,
• 8:00
  how
• 8:00
  about
• 8:00
  we
• 8:00
  pray
• 8:00
  together
• 8:00
  right
• 8:01
  now,
• 8:02
  Lord?
• 8:02
  We
• 8:02
  just
• 8:02
  thank
• 8:03
  you
• 8:03
  for
• 8:03
  the
• 8:03
  wisdom
• 8:04
  that
• 8:04
  you
• 8:04
  give
• 8:04
  us,
• 8:04
  Lord,
• 8:05
  and
• 8:05
  the
• 8:05
  ability
• 8:06
  to
• 8:06
  prioritize
• 8:07
  goals
• 8:07
  wise.
• 8:07
  And
• 8:07
  we
• 8:08
  ask
• 8:08
  that
• 8:08
  you
• 8:08
  would
• 8:08
  just
• 8:08
  help
• 8:09
  us
• 8:09
  to
• 8:09
  do
• 8:09
  that
• 8:09
  better
• 8:10
  these
• 8:10
  days.
• 8:11
  Help
• 8:12
  us
• 8:12
  to
• 8:12
  have
• 8:12
  patience
• 8:12
  to
• 8:13
  save
• 8:13
  and
• 8:13
  patience
• 8:14
  to
• 8:14
  invest
• 8:14
  at
• 8:15
  the
• 8:15
  right
• 8:15
  pace
• 8:16
  and
• 8:16
  avoid
• 8:16
  those
• 8:17
  temptations
• 8:17
  that
• 8:17
  are
• 8:17
  so
• 8:18
  easy
• 8:18
  easily
• 8:18
  coming
• 8:19
  to
• 8:19
  us.
• 8:20
  When
• 8:20
  people
• 8:20
  tell
• 8:20
  us
• 8:21
  about
• 8:21
  these
• 8:21
  short
• 8:21
  term
• 8:21
  things
• 8:22
  and
• 8:22
  it's
• 8:22
  a
• 8:22
  sure
• 8:23
  thing.
• 8:24
  Help
• 8:24
  us
• 8:24
  to
• 8:25
  understand
• 8:26
  the
• 8:26
  horizons
• 8:27
  that
• 8:27
  we
• 8:27
  have
• 8:27
  and
• 8:28
  help
• 8:28
  us
• 8:28
  to
• 8:28
  understand
• 8:29
  the
• 8:29
  different
• 8:30
  things
• 8:30
  that
• 8:30
  we
• 8:30
  need
• 8:30
  to
• 8:30
  do
• 8:31
  to
• 8:31
  be
• 8:31
  in
• 8:32
  gratitude
• 8:33
  for
• 8:33
  the
• 8:33
  things
• 8:33
  that
• 8:33
  you
• 8:33
  give
• 8:34
  us,
• 8:34
  the
• 8:34
  resources
• 8:34
  you've
• 8:35
  already
• 8:35
  provided
• 8:35
  to
• 8:35
  us.
• 8:36
  And
• 8:36
  as
• 8:36
  we
• 8:36
  go
• 8:37
  through
• 8:37
  those
• 8:37
  milestones
• 8:38
  of
• 8:38
  life,
• 8:38
  Lord,
• 8:38
  help
• 8:39
  us
• 8:39
  to
• 8:39
  be
• 8:39
  mindful
• 8:39
  of
• 8:39
  those
• 8:40
  things.
• 8:40
  Help
• 8:40
  us
• 8:40
  to
• 8:41
  develop
• 8:41
  a
• 8:41
  plan
• 8:42
  that
• 8:42
  meets
• 8:42
  those
• 8:43
  things,
• 8:43
  Lord.
• 8:44
  And
• 8:44
  we
• 8:45
  just
• 8:45
  ask
• 8:45
  this
• 8:45
  with
• 8:45
  complete
• 8:46
  confidence,
• 8:46
  you,
• 8:46
  in
• 8:46
  the
• 8:47
  name
• 8:47
  of
• 8:47
  Jesus,
• 8:48
  Amen.
• 8:50
  I
• 8:50
  always
• 8:50
  want
• 8:50
  to
• 8:50
  give
• 8:50
  you
• 8:50
  an
• 8:51
  action
• 8:51
  item.
• 8:51
  So
• 8:51
  today's
• 8:52
  action
• 8:52
  item
• 8:52
  is
• 8:52
  I
• 8:52
  want
• 8:53
  you
• 8:53
  to
• 8:53
  pick
• 8:53
  one
• 8:53
  non
• 8:53
  retirement
• 8:54
  goal.
• 8:55
  Doesn't
• 8:55
  need
• 8:55
  to
• 8:55
  be
• 8:56
  anything
• 8:56
  elaborate.
• 8:57
  Maybe
• 8:57
  it's
• 8:57
  building
• 8:57
  your
• 8:58
  emergency
• 8:58
  fund,
• 8:59
  maybe
• 8:59
  it's
• 8:59
  saving
• 8:59
  for
• 8:59
  a
• 9:00
  vacation.
• 9:00
  Maybe
• 9:00
  you
• 9:00
  want
• 9:01
  to
• 9:01
  go
• 9:01
  and
• 9:01
  buy
• 9:01
  that
• 9:02
  house
• 9:02
  finally,
• 9:02
  maybe
• 9:02
  that's
• 9:03
  your
• 9:03
  goal.
• 9:03
  Write
• 9:04
  it
• 9:04
  down
• 9:05
  and
• 9:05
  then
• 9:05
  write
• 9:06
  down
• 9:06
  right
• 9:06
  next
• 9:06
  to
• 9:06
  it,
• 9:06
  what
• 9:07
  is
• 9:07
  the
• 9:07
  timeline
• 9:07
  for
• 9:08
  that?
• 9:08
  Is
• 9:08
  it
• 9:09
  one
• 9:09
  year,
• 9:09
  is
• 9:09
  it
• 9:10
  five
• 9:10
  years,
• 9:10
  is
• 9:10
  it
• 9:10
  15
• 9:11
  years?
• 9:11
  And
• 9:11
  then
• 9:11
  ask
• 9:11
  yourself
• 9:12
  this
• 9:12
  question
• 9:13
  because
• 9:13
  maybe
• 9:14
  you've
• 9:14
  already
• 9:14
  started
• 9:14
  investing.
• 9:15
  Ask
• 9:15
  yourself,
• 9:15
  is
• 9:16
  the
• 9:16
  money
• 9:16
  in
• 9:16
  the
• 9:16
  right
• 9:16
  place
• 9:17
  for
• 9:17
  that
• 9:17
  timeline?
• 9:18
  See,
• 9:19
  that's
• 9:19
  a
• 9:19
  great
• 9:19
  question
• 9:19
  to
• 9:20
  ask
• 9:20
  yourself.
• 9:20
  Always
• 9:21
  as
• 9:21
  you're
• 9:21
  going
• 9:21
  through
• 9:22
  these
• 9:22
  investment
• 9:23
  decisions,
• 9:24
  ask
• 9:24
  yourself
• 9:24
  those
• 9:25
  questions.
• 9:25
  Is
• 9:25
  my
• 9:25
  money
• 9:26
  in
• 9:26
  the
• 9:26
  right
• 9:26
  place
• 9:27
  for
• 9:27
  that
• 9:27
  timeline?
• 9:27
  Because,
• 9:28
  listen,
• 9:29
  times
• 9:29
  change.
• 9:30
  When
• 9:30
  I
• 9:30
  meet
• 9:30
  with
• 9:31
  people
• 9:31
  who
• 9:31
  are
• 9:31
  getting
• 9:31
  closer
• 9:32
  to
• 9:32
  retirement,
• 9:32
  we're
• 9:33
  changing
• 9:33
  our
• 9:33
  portfolios
• 9:34
  around.
• 9:35
  One
• 9:35
  of
• 9:35
  the
• 9:35
  things
• 9:35
  I
• 9:36
  would
• 9:36
  really
• 9:36
  appreciate
• 9:36
  you
• 9:36
  would
• 9:37
  do
• 9:37
  is
• 9:37
  if
• 9:37
  you're
• 9:38
  getting
• 9:38
  value
• 9:38
  from
• 9:38
  the
• 9:38
  show,
• 9:39
  when
• 9:39
  one
• 9:39
  of
• 9:39
  the
• 9:39
  best
• 9:39
  ways
• 9:40
  you
• 9:40
  can
• 9:40
  express
• 9:40
  that
• 9:41
  is
• 9:41
  share
• 9:41
  the
• 9:41
  show
• 9:41
  with
• 9:41
  somebody
• 9:42
  else.
• 9:43
  Everybody
• 9:43
  needs
• 9:43
  to
• 9:43
  understand
• 9:44
  the
• 9:44
  things
• 9:44
  we're
• 9:45
  talking
• 9:45
  about.
• 9:45
  And
• 9:46
  if
• 9:46
  you
• 9:46
  share
• 9:46
  the
• 9:46
  show
• 9:46
  with
• 9:47
  them,
• 9:47
  you
• 9:47
  can
• 9:47
  help
• 9:48
  them
• 9:48
  become
• 9:48
  a
• 9:49
  more
• 9:49
  financially
• 9:50
  confident
• 9:50
  Christian.
• 9:51
  Because
• 9:52
  in
• 9:52
  the
• 9:52
  end,
• 9:52
  not
• 9:52
  every
• 9:53
  goal
• 9:53
  is
• 9:53
  retirement.
• 9:54
  I
• 9:54
  hope
• 9:54
  I
• 9:54
  made
• 9:55
  that
• 9:55
  crystal
• 9:55
  clear
• 9:55
  today.
• 9:56
  Timelines
• 9:57
  matter.
• 9:57
  That's
• 9:58
  the
• 9:58
  key
• 9:58
  to
• 9:58
  this
• 9:58
  whole
• 9:58
  thing.
• 9:59
  Think
• 10:00
  short
• 10:00
  term
• 10:00
  for
• 10:00
  safety,
• 10:01
  medium
• 10:01
  term
• 10:02
  for
• 10:02
  balance,
• 10:02
  and
• 10:02
  long
• 10:03
  term
• 10:03
  for
• 10:03
  growth.
• 10:05
  And
• 10:05
  again,
• 10:05
  in
• 10:05
  the
• 10:05
  end,
• 10:06
  don't
• 10:06
  let
• 10:06
  your
• 10:06
  other
• 10:07
  goals
• 10:07
  rob
• 10:07
  your
• 10:07
  retirement.
• 10:08
  That's
• 10:08
  a
• 10:08
  warning,
• 10:09
  kind
• 10:09
  of
• 10:09
  leaving
• 10:09
  it
• 10:09
  here
• 10:10
  at
• 10:10
  the
• 10:10
  end.
• 10:10
  But
• 10:10
  it's
• 10:10
  important
• 10:10
  that
• 10:11
  you
• 10:11
  understand
• 10:11
  that.
• 10:12
  But
• 10:13
  with
• 10:13
  planning
• 10:13
  and
• 10:13
  prayer,
• 10:14
  and
• 10:14
  I
• 10:14
  truly
• 10:15
  believe
• 10:15
  this
• 10:15
  with
• 10:15
  every
• 10:16
  ounce
• 10:16
  of
• 10:16
  my
• 10:16
  being,
• 10:16
  with
• 10:17
  planning
• 10:17
  and
• 10:17
  prayer,
• 10:18
  you
• 10:18
  can
• 10:18
  prepare
• 10:18
  for
• 10:18
  life's
• 10:19
  milestones
• 10:19
  while
• 10:20
  still
• 10:20
  building
• 10:20
  for
• 10:21
  that
• 10:21
  future.
• 10:22
  So
• 10:22
  I
• 10:22
  just
• 10:22
  want
• 10:22
  to
• 10:22
  encourage
• 10:23
  you
• 10:23
  today,
• 10:23
  go
• 10:23
  out
• 10:23
  there
• 10:23
  today
• 10:24
  and
• 10:24
  be
• 10:24
  that
• 10:24
  financially
• 10:25
  confident
• 10:25
  Christian
• 10:26
  you
• 10:26
  can
• 10:26
  be.
• 10:26
  Now,
• 10:26
  tomorrow
• 10:27
  we're
• 10:27
  going
• 10:27
  to
• 10:27
  talk
• 10:27
  about
• 10:28
  how
• 10:28
  not
• 10:28
  to
• 10:28
  keep
• 10:29
  all
• 10:29
  your
• 10:29
  eggs
• 10:29
  in
• 10:29
  the
• 10:30
  same
• 10:30
  basket.
• 10:32
  Grandfather
• 10:32
  always
• 10:32
  told
• 10:33
  me
• 10:33
  that.
• 10:33
  He
• 10:33
  said,
• 10:33
  son,
• 10:34
  don't
• 10:34
  keep
• 10:34
  all
• 10:34
  your
• 10:34
  eggs
• 10:35
  in
• 10:35
  one
• 10:35
  basket.
• 10:35
  So
• 10:36
  that's
• 10:36
  exactly
• 10:36
  what
• 10:36
  we're
• 10:36
  going
• 10:36
  to
• 10:37
  talk
• 10:37
  about
• 10:37
  on
• 10:37
  the
• 10:37
  show
• 10:37
  tomorrow.
• 10:38
  So
• 10:38
  I
• 10:38
  encourage
• 10:38
  you
• 10:38
  to
• 10:39
  join
• 10:39
  me
• 10:39
  tomorrow.
• 10:40
  And
• 10:40
  today,
• 10:40
  I
• 10:40
  just
• 10:41
  want
• 10:41
  to
• 10:41
  encourage
• 10:41
  you
• 10:41
  again.
• 10:41
  Go
• 10:41
  live
• 10:42
  out
• 10:42
  that
• 10:42
  financially
• 10:43
  confidence
• 10:44
  that
• 10:44
  you
• 10:44
  have.
• 10:45
  I
• 10:46
  believe
• 10:46
  in
• 10:46
  you,
• 10:46
  believe
• 10:46
  in
• 10:47
  yourself.
• 10:47
  And
• 10:47
  more
• 10:47
  importantly
• 10:48
  than
• 10:48
  any
• 10:48
  of
• 10:48
  those
• 10:48
  things,
• 10:49
  God
• 10:49
  believes
• 10:50
  in
• 10:50
  you.
• 10:50
  God
• 10:50
  bless
• 10:51
  you.
• 10:51
  And
• 10:51
  you
• 10:51
  have
• 10:52
  a
• 10:52
  great
• 10:52
  day
• 10:52
  today,
• 11:00
  Ra.