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Is Budgeting Really Just About Restriction and Deprivation? · Becoming Financially Confident

• 0:38
  Does
• 0:38
  the
• 0:38
  word
• 0:38
  budget
• 0:39
  make
• 0:39
  you
• 0:39
  immediately
• 0:40
  cringe?
• 0:41
  Do
• 0:41
  you
• 0:41
  picture
• 0:41
  endless
• 0:42
  spreadsheets
• 0:42
  being
• 0:43
  told
• 0:43
  no
• 0:43
  and
• 0:43
  all
• 0:44
  the
• 0:44
  fun
• 0:44
  draining
• 0:44
  out
• 0:45
  of
• 0:45
  your
• 0:45
  life?
• 0:46
  But
• 0:47
  what
• 0:47
  if
• 0:47
  that
• 0:47
  common
• 0:47
  perception
• 0:48
  is
• 0:48
  totally
• 0:49
  wrong?
• 0:49
  What
• 0:50
  if
• 0:50
  it
• 0:50
  is?
• 0:50
  And
• 0:50
  budgeting
• 0:51
  is
• 0:51
  actually
• 0:51
  your
• 0:52
  secret
• 0:52
  weapon
• 0:53
  for
• 0:53
  financial
• 0:53
  freedom,
• 0:54
  not
• 0:54
  deprivation
• 0:55
  at
• 0:55
  all.
• 0:55
  Well,
• 0:56
  stick
• 0:56
  with
• 0:56
  me
• 0:56
  today
• 0:57
  because
• 0:57
  we're
• 0:57
  breaking
• 0:57
  down
• 0:58
  that
• 0:58
  misconception
• 0:59
  on
• 0:59
  today's
• 0:59
  show.
• 1:01
  This
• 1:01
  is
• 1:02
  Financially
• 1:02
  Confident
• 1:03
  Christian,
• 1:04
  your
• 1:04
  daily
• 1:04
  dose
• 1:04
  of
• 1:05
  gospel
• 1:05
  grounded
• 1:05
  insight
• 1:06
  and
• 1:06
  faith
• 1:07
  driven
• 1:07
  tips
• 1:07
  to
• 1:08
  help
• 1:08
  you
• 1:08
  break
• 1:08
  the
• 1:08
  cycle
• 1:09
  of
• 1:09
  financial
• 1:09
  shame
• 1:10
  with
• 1:10
  confidence.
• 1:13
  Hey
• 1:14
  there.
• 1:14
  Welcome
• 1:14
  back
• 1:15
  to
• 1:15
  your
• 1:15
  daily
• 1:15
  Financially
• 1:16
  Confident
• 1:16
  Christian.
• 1:17
  I'm
• 1:17
  Ralph
• 1:17
  and
• 1:17
  I'm
• 1:18
  here
• 1:18
  to
• 1:18
  help
• 1:18
  you
• 1:18
  become
• 1:19
  a
• 1:19
  financially
• 1:20
  confident
• 1:20
  Christian.
• 1:20
  I'm
• 1:21
  so
• 1:21
  happy
• 1:21
  that
• 1:21
  you've
• 1:22
  chosen
• 1:22
  to
• 1:22
  join
• 1:22
  me
• 1:22
  today.
• 1:23
  And
• 1:23
  we're
• 1:24
  continuing
• 1:24
  our
• 1:24
  series
• 1:25
  of
• 1:25
  Breaking
• 1:25
  the
• 1:26
  financial
• 1:26
  chains.
• 1:27
  We're
• 1:27
  working
• 1:27
  on
• 1:28
  30
• 1:28
  days
• 1:28
  to
• 1:29
  overcome
• 1:29
  your
• 1:29
  toughest
• 1:30
  money
• 1:30
  struggles.
• 1:31
  And
• 1:31
  these
• 1:31
  are
• 1:31
  the
• 1:31
  things
• 1:32
  that
• 1:32
  listeners
• 1:32
  have
• 1:33
  told
• 1:33
  me,
• 1:33
  Ralph.
• 1:33
  These
• 1:34
  are
• 1:34
  the
• 1:34
  things
• 1:34
  that
• 1:34
  we're
• 1:34
  really
• 1:35
  struggling
• 1:35
  with
• 1:36
  now.
• 1:36
  Yesterday
• 1:37
  we
• 1:37
  tackled
• 1:37
  the
• 1:37
  frustrating
• 1:38
  question
• 1:38
  of
• 1:38
  why
• 1:38
  your
• 1:39
  money
• 1:39
  seems
• 1:39
  to
• 1:40
  disappear
• 1:40
  so
• 1:41
  fast
• 1:41
  every
• 1:41
  month.
• 1:41
  We
• 1:41
  talked
• 1:42
  about
• 1:42
  that
• 1:42
  vanishing
• 1:43
  act.
• 1:44
  But
• 1:44
  more
• 1:44
  importantly
• 1:45
  than
• 1:45
  that,
• 1:45
  we
• 1:46
  talked
• 1:46
  about
• 1:46
  how
• 1:46
  to
• 1:46
  gain
• 1:47
  control
• 1:47
  over
• 1:47
  its
• 1:48
  flow.
• 1:48
  So
• 1:49
  if
• 1:49
  you
• 1:49
  missed
• 1:49
  it,
• 1:49
  I'm
• 1:50
  going
• 1:50
  to
• 1:50
  encourage
• 1:50
  you
• 1:50
  to
• 1:50
  check
• 1:50
  it
• 1:50
  out.
• 1:50
  You
• 1:51
  can
• 1:51
  find
• 1:51
  all
• 1:51
  of
• 1:51
  our
• 1:52
  episodes@financially
• 1:54
  confidentchristian.com
• 1:56
  well,
• 1:56
  today
• 1:57
  we're
• 1:57
  going
• 1:57
  to
• 1:57
  build
• 1:57
  on
• 1:58
  that
• 1:58
  need
• 1:58
  for
• 1:58
  clarity
• 1:59
  and
• 1:59
  we're
• 1:59
  going
• 2:00
  to
• 2:00
  confront
• 2:00
  a
• 2:00
  major
• 2:01
  mental
• 2:01
  hurdle
• 2:01
  for
• 2:02
  so
• 2:02
  many
• 2:02
  people.
• 2:03
  And
• 2:03
  that's
• 2:04
  a
• 2:04
  really
• 2:04
  a
• 2:05
  false
• 2:05
  perception
• 2:06
  of
• 2:06
  budgeting.
• 2:07
  Today
• 2:07
  I'm
• 2:07
  going
• 2:07
  to
• 2:07
  answer
• 2:08
  this
• 2:08
  question.
• 2:09
  Is
• 2:09
  budgeting
• 2:10
  really
• 2:10
  just
• 2:10
  about
• 2:11
  restriction
• 2:12
  and
• 2:12
  deprivation?
• 2:13
  That's
• 2:13
  our
• 2:13
  goal
• 2:14
  for
• 2:14
  today.
• 2:14
  I
• 2:14
  want
• 2:15
  to
• 2:15
  answer
• 2:15
  that
• 2:15
  question
• 2:16
  because
• 2:17
  for
• 2:17
  so
• 2:17
  many
• 2:18
  people,
• 2:18
  you
• 2:18
  know
• 2:18
  this
• 2:18
  feeling
• 2:19
  all
• 2:19
  too
• 2:19
  well.
• 2:21
  You
• 2:21
  hear
• 2:21
  that
• 2:21
  word
• 2:21
  budgeting,
• 2:22
  it
• 2:22
  just
• 2:22
  brings
• 2:23
  up
• 2:23
  and
• 2:23
  conjures
• 2:24
  up
• 2:24
  all
• 2:24
  these
• 2:24
  negative
• 2:25
  emotions,
• 2:26
  things
• 2:26
  like
• 2:26
  dread,
• 2:27
  things
• 2:28
  like
• 2:28
  feeling
• 2:28
  controlled,
• 2:29
  picturing
• 2:30
  endless
• 2:30
  spreadsheets,
• 2:31
  just
• 2:31
  this
• 2:31
  mountain
• 2:32
  of
• 2:32
  restrictions.
• 2:34
  And
• 2:35
  for
• 2:35
  so
• 2:35
  many
• 2:35
  people,
• 2:36
  and
• 2:36
  I
• 2:36
  was
• 2:36
  one
• 2:36
  of
• 2:36
  these
• 2:36
  people
• 2:37
  for
• 2:37
  the
• 2:37
  longest
• 2:37
  time,
• 2:38
  you
• 2:39
  might
• 2:39
  think
• 2:39
  budgeting
• 2:39
  means
• 2:40
  saying
• 2:40
  no
• 2:40
  to
• 2:40
  everything,
• 2:41
  everything
• 2:41
  fun
• 2:41
  at
• 2:42
  least,
• 2:42
  or
• 2:42
  living
• 2:43
  on
• 2:43
  beans
• 2:43
  and
• 2:43
  rice
• 2:44
  or
• 2:44
  being
• 2:44
  a
• 2:44
  financial
• 2:45
  scrooge.
• 2:45
  Somebody
• 2:46
  sent
• 2:46
  me
• 2:46
  an
• 2:46
  email
• 2:47
  not
• 2:47
  too
• 2:47
  long
• 2:47
  ago.
• 2:47
  They
• 2:47
  said,
• 2:48
  ralph,
• 2:48
  you're
• 2:48
  like
• 2:48
  a
• 2:49
  financial
• 2:49
  scrooge.
• 2:51
  I
• 2:51
  was
• 2:51
  like,
• 2:51
  I
• 2:51
  don't
• 2:51
  know
• 2:51
  if
• 2:51
  that's
• 2:52
  fair.
• 2:52
  But
• 2:52
  for
• 2:52
  today
• 2:53
  we'll
• 2:53
  say
• 2:53
  that,
• 2:53
  okay.
• 2:54
  The
• 2:55
  problem
• 2:55
  is
• 2:56
  so
• 2:56
  many
• 2:56
  people
• 2:56
  associate
• 2:57
  budgeting
• 2:58
  with
• 2:58
  deprivation
• 2:58
  or
• 2:59
  being
• 3:00
  just
• 3:00
  overly
• 3:00
  complicated.
• 3:02
  And
• 3:02
  because
• 3:02
  of
• 3:03
  that,
• 3:03
  so
• 3:03
  many
• 3:03
  people
• 3:03
  avoid
• 3:04
  creating
• 3:04
  a
• 3:04
  budget
• 3:05
  and
• 3:05
  they
• 3:05
  live
• 3:05
  without
• 3:06
  a
• 3:06
  financial
• 3:06
  plan
• 3:07
  and
• 3:07
  they
• 3:07
  continue
• 3:08
  in
• 3:08
  that
• 3:08
  cycle
• 3:09
  of
• 3:09
  money
• 3:10
  stress.
• 3:11
  Because
• 3:12
  so
• 3:12
  many
• 3:12
  people
• 3:12
  believe
• 3:13
  budgeting
• 3:13
  is
• 3:14
  a
• 3:14
  punishment
• 3:14
  rather
• 3:15
  than
• 3:15
  a
• 3:15
  powerful
• 3:16
  tool.
• 3:16
  But
• 3:16
  I
• 3:16
  want
• 3:16
  to
• 3:16
  change
• 3:17
  that
• 3:17
  perception
• 3:18
  today,
• 3:19
  because
• 3:19
  without
• 3:19
  a
• 3:20
  budget,
• 3:20
  it
• 3:20
  really
• 3:21
  does
• 3:21
  prevent
• 3:21
  you
• 3:21
  from
• 3:22
  gaining
• 3:22
  true
• 3:22
  financial
• 3:23
  control
• 3:23
  and,
• 3:24
  hey,
• 3:25
  really
• 3:25
  gaining
• 3:25
  financial
• 3:26
  peace.
• 3:28
  Here's
• 3:28
  the
• 3:28
  thing
• 3:28
  I
• 3:28
  want
• 3:28
  you
• 3:28
  to
• 3:29
  understand
• 3:29
  today.
• 3:30
  Budgeting
• 3:31
  isn't
• 3:31
  about
• 3:31
  restriction.
• 3:32
  It's
• 3:32
  not
• 3:32
  about
• 3:33
  that
• 3:33
  at
• 3:33
  all.
• 3:34
  What
• 3:34
  it
• 3:34
  is
• 3:34
  about
• 3:35
  is.
• 3:35
  It's
• 3:35
  about
• 3:36
  control,
• 3:36
  and
• 3:36
  it's
• 3:37
  about
• 3:37
  intentionality.
• 3:38
  I
• 3:38
  talk
• 3:38
  about
• 3:38
  control
• 3:38
  and
• 3:39
  intentionality
• 3:39
  on
• 3:40
  the
• 3:40
  show
• 3:40
  all
• 3:40
  the
• 3:40
  time.
• 3:41
  Here's
• 3:42
  the
• 3:42
  thing
• 3:42
  I
• 3:42
  want
• 3:42
  you
• 3:42
  to
• 3:42
  hear.
• 3:43
  A
• 3:43
  budget
• 3:44
  is
• 3:44
  simply
• 3:45
  a
• 3:45
  plan
• 3:45
  for
• 3:45
  your
• 3:45
  money.
• 3:47
  Let's
• 3:47
  soak
• 3:48
  in
• 3:48
  for
• 3:48
  a
• 3:48
  second.
• 3:49
  A
• 3:49
  budget
• 3:50
  is
• 3:50
  simply
• 3:50
  a
• 3:51
  plan
• 3:51
  for
• 3:52
  your
• 3:52
  money.
• 3:52
  You're
• 3:53
  telling
• 3:53
  every
• 3:53
  dollar
• 3:54
  where
• 3:54
  to
• 3:54
  go.
• 3:54
  Hey,
• 3:54
  you
• 3:54
  are
• 3:55
  ultimately
• 3:56
  in
• 3:56
  control.
• 3:56
  So
• 3:57
  many
• 3:57
  people
• 3:57
  have
• 3:57
  said
• 3:57
  to
• 3:57
  me,
• 3:58
  ralph,
• 3:58
  the
• 3:59
  budget
• 3:59
  just
• 3:59
  makes
• 3:59
  me
• 3:59
  feel
• 4:00
  like
• 4:00
  I
• 4:00
  don't
• 4:00
  have
• 4:00
  any
• 4:00
  control
• 4:00
  over
• 4:01
  my
• 4:01
  money.
• 4:02
  But
• 4:02
  it's
• 4:02
  exactly
• 4:03
  opposite
• 4:03
  of
• 4:03
  there.
• 4:04
  See,
• 4:04
  it's
• 4:04
  a
• 4:04
  mindset
• 4:05
  shift.
• 4:05
  You're
• 4:06
  telling
• 4:06
  every
• 4:07
  single
• 4:07
  dollar
• 4:07
  where
• 4:08
  to
• 4:08
  go.
• 4:09
  And
• 4:09
  if
• 4:10
  you
• 4:10
  do
• 4:10
  it
• 4:10
  right.
• 4:10
  Here's
• 4:10
  the
• 4:11
  thing.
• 4:11
  It's
• 4:12
  all
• 4:12
  about
• 4:12
  empowerment.
• 4:13
  It
• 4:13
  empowers
• 4:14
  you
• 4:14
  to
• 4:14
  be
• 4:14
  the
• 4:15
  boss
• 4:15
  of
• 4:15
  your
• 4:15
  money.
• 4:15
  Hey,
• 4:16
  do
• 4:16
  you
• 4:16
  want
• 4:16
  to
• 4:16
  be
• 4:16
  the
• 4:16
  boss
• 4:17
  of
• 4:17
  your
• 4:17
  money?
• 4:18
  Because
• 4:18
  in
• 4:18
  so
• 4:19
  many
• 4:19
  people's
• 4:19
  situation,
• 4:20
  money
• 4:21
  is
• 4:21
  bossing
• 4:22
  them
• 4:22
  around.
• 4:23
  Well,
• 4:23
  let's
• 4:24
  look
• 4:24
  to
• 4:24
  the
• 4:24
  Bible
• 4:24
  for
• 4:25
  some
• 4:25
  guidance
• 4:25
  here.
• 4:25
  And
• 4:26
  the
• 4:26
  first
• 4:26
  Bible
• 4:26
  verse
• 4:27
  I
• 4:27
  want
• 4:27
  to
• 4:27
  talk
• 4:27
  about
• 4:27
  is
• 4:27
  what
• 4:28
  I
• 4:28
  use
• 4:28
  on
• 4:28
  this
• 4:28
  show,
• 4:29
  probably
• 4:29
  once
• 4:29
  a
• 4:29
  week.
• 4:30
  But
• 4:30
  it's
• 4:31
  all
• 4:31
  about
• 4:31
  diligence
• 4:32
  and
• 4:32
  planning.
• 4:32
  And
• 4:32
  it
• 4:32
  comes
• 4:33
  to
• 4:33
  us
• 4:33
  from
• 4:33
  Proverbs,
• 4:34
  chapter
• 4:34
  21,
• 4:35
  verse
• 4:35
  5.
• 4:35
  And
• 4:35
  it
• 4:35
  reminds
• 4:36
  us
• 4:36
  this.
• 4:37
  The
• 4:37
  plans
• 4:38
  of
• 4:38
  the
• 4:38
  diligent
• 4:38
  lead
• 4:39
  to
• 4:39
  profit
• 4:40
  as
• 4:40
  surely
• 4:41
  as
• 4:41
  haste
• 4:42
  leads
• 4:42
  to
• 4:42
  poverty.
• 4:44
  What's
• 4:44
  it
• 4:44
  saying
• 4:44
  to
• 4:44
  us
• 4:45
  in
• 4:45
  the
• 4:45
  scripture
• 4:45
  here?
• 4:46
  Budgeting
• 4:47
  is
• 4:47
  a
• 4:47
  diligent
• 4:48
  plan
• 4:48
  that
• 4:49
  leads
• 4:49
  to
• 4:49
  financial
• 4:50
  profit.
• 4:50
  For
• 4:51
  sake
• 4:51
  of
• 4:51
  our
• 4:51
  discussion
• 4:52
  today,
• 4:52
  what
• 4:52
  do
• 4:52
  we
• 4:53
  call
• 4:53
  profit?
• 4:55
  It
• 4:55
  leads
• 4:55
  to
• 4:55
  freedom.
• 4:56
  That's
• 4:57
  really
• 4:57
  what
• 4:57
  we're
• 4:57
  talking
• 4:57
  about
• 4:57
  here,
• 4:58
  that
• 4:58
  diligent
• 4:59
  planning,
• 4:59
  that
• 4:59
  planning
• 5:00
  to
• 5:00
  put
• 5:00
  a
• 5:00
  budget
• 5:01
  together.
• 5:01
  It
• 5:02
  leads
• 5:02
  to
• 5:03
  freedom.
• 5:04
  Let's
• 5:04
  look
• 5:04
  at
• 5:04
  another
• 5:05
  biblical
• 5:05
  principle
• 5:06
  again.
• 5:06
  In
• 5:07
  the
• 5:07
  book
• 5:07
  of
• 5:07
  Proverbs,
• 5:08
  chapter
• 5:08
  16,
• 5:08
  verse
• 5:09
  3,
• 5:09
  it
• 5:09
  encourages
• 5:10
  us
• 5:10
  this.
• 5:11
  It
• 5:11
  says,
• 5:11
  commit
• 5:12
  to
• 5:12
  the
• 5:12
  Lord
• 5:12
  whatever
• 5:13
  you
• 5:13
  do,
• 5:14
  and
• 5:14
  he
• 5:15
  will
• 5:15
  establish
• 5:16
  your
• 5:16
  plans.
• 5:18
  See,
• 5:18
  this
• 5:18
  is
• 5:18
  where
• 5:19
  so
• 5:19
  many
• 5:19
  people
• 5:19
  don't
• 5:19
  understand
• 5:20
  the
• 5:20
  focus
• 5:21
  of
• 5:21
  this
• 5:21
  show.
• 5:22
  This
• 5:22
  show
• 5:22
  is
• 5:22
  all
• 5:22
  about
• 5:23
  bringing
• 5:23
  two
• 5:24
  worlds
• 5:24
  together.
• 5:25
  That's
• 5:25
  the
• 5:25
  world
• 5:25
  of
• 5:25
  faith
• 5:26
  and
• 5:26
  the
• 5:26
  world
• 5:27
  of
• 5:27
  finances.
• 5:28
  And
• 5:28
  we
• 5:28
  commit
• 5:29
  our
• 5:29
  financial
• 5:29
  plans
• 5:30
  to
• 5:30
  God.
• 5:30
  Guess
• 5:30
  what
• 5:31
  happens
• 5:31
  right
• 5:31
  here
• 5:31
  in
• 5:31
  the
• 5:32
  scripture?
• 5:32
  What
• 5:32
  does
• 5:33
  it
• 5:33
  say?
• 5:33
  Commit
• 5:33
  to
• 5:34
  the
• 5:34
  Lord
• 5:34
  whatever
• 5:35
  you
• 5:35
  do,
• 5:35
  and
• 5:36
  he
• 5:36
  will
• 5:36
  re
• 5:36
  establish
• 5:37
  he
• 5:37
  will
• 5:37
  establish
• 5:38
  your
• 5:38
  plans.
• 5:40
  Committing
• 5:40
  financial
• 5:41
  plans
• 5:41
  to
• 5:41
  God
• 5:41
  makes
• 5:42
  him
• 5:42
  establish
• 5:43
  them.
• 5:44
  The
• 5:44
  impact
• 5:45
  of
• 5:45
  this
• 5:45
  is
• 5:45
  amazing.
• 5:46
  It's
• 5:46
  an
• 5:47
  act
• 5:47
  of
• 5:47
  wise
• 5:48
  stewardship
• 5:49
  and
• 5:49
  it
• 5:49
  transformed
• 5:50
  that
• 5:50
  financial
• 5:50
  chaos,
• 5:51
  that
• 5:51
  lack
• 5:52
  of
• 5:52
  freedom,
• 5:52
  that
• 5:52
  lack
• 5:53
  of
• 5:53
  peace
• 5:53
  into
• 5:53
  order.
• 5:54
  And
• 5:54
  hey,
• 5:55
  in
• 5:55
  the
• 5:55
  end,
• 5:55
  it
• 5:56
  completely
• 5:56
  reduces
• 5:57
  your
• 5:57
  stress.
• 5:58
  And
• 5:58
  if
• 5:58
  you
• 5:58
  do
• 5:58
  it
• 5:59
  right,
• 5:59
  I'm
• 5:59
  gonna
• 5:59
  encourage
• 5:59
  you
• 5:59
  to
• 6:00
  do
• 6:00
  it.
• 6:00
  We're
• 6:00
  gonna
• 6:00
  talk
• 6:00
  about
• 6:00
  how
• 6:00
  to
• 6:00
  do
• 6:00
  it
• 6:01
  here
• 6:01
  in
• 6:01
  a
• 6:01
  second.
• 6:01
  It
• 6:02
  aligns
• 6:02
  your
• 6:02
  money
• 6:03
  with
• 6:03
  God
• 6:03
  given
• 6:04
  purposes
• 6:04
  leading
• 6:04
  to
• 6:05
  freedom
• 6:05
  and
• 6:06
  not
• 6:06
  deprivation
• 6:06
  at
• 6:07
  all.
• 6:08
  So
• 6:08
  now
• 6:08
  you
• 6:08
  might
• 6:08
  be
• 6:08
  saying,
• 6:09
  Ralph,
• 6:09
  what
• 6:09
  can
• 6:09
  we
• 6:09
  do?
• 6:10
  How
• 6:10
  do
• 6:10
  we
• 6:10
  refine
• 6:11
  and
• 6:11
  redefine
• 6:12
  budgeting
• 6:13
  to
• 6:13
  be
• 6:13
  about
• 6:13
  freedom
• 6:14
  and
• 6:14
  intentionality?
• 6:15
  Well,
• 6:15
  I've
• 6:15
  got
• 6:16
  a
• 6:16
  solution
• 6:16
  for
• 6:16
  you
• 6:17
  and
• 6:17
  it's
• 6:18
  all
• 6:18
  about
• 6:18
  redefining
• 6:19
  budgeting
• 6:19
  in
• 6:19
  your
• 6:20
  own
• 6:20
  mind
• 6:20
  as
• 6:20
  a
• 6:20
  tool
• 6:21
  for
• 6:21
  freedom
• 6:22
  and
• 6:22
  a
• 6:22
  tool
• 6:22
  for
• 6:22
  intentionality.
• 6:23
  So
• 6:23
  here's
• 6:24
  what
• 6:24
  I'm
• 6:24
  going
• 6:24
  to
• 6:24
  encourage
• 6:24
  you
• 6:25
  to
• 6:25
  do.
• 6:25
  Just
• 6:26
  create
• 6:26
  a
• 6:26
  simple
• 6:26
  purpose
• 6:27
  driven
• 6:27
  budget
• 6:28
  that
• 6:28
  reflects
• 6:28
  your
• 6:28
  values,
• 6:29
  not
• 6:29
  just
• 6:30
  what
• 6:30
  you
• 6:30
  think
• 6:30
  you
• 6:31
  can't
• 6:31
  spend.
• 6:32
  Because
• 6:32
  in
• 6:33
  the
• 6:33
  end,
• 6:33
  that's
• 6:33
  going
• 6:33
  to
• 6:34
  shift
• 6:34
  your
• 6:34
  perspective
• 6:34
  from
• 6:35
  dread
• 6:35
  to
• 6:35
  empowerment.
• 6:36
  So
• 6:36
  here's
• 6:37
  your
• 6:37
  one
• 6:37
  action
• 6:38
  step
• 6:38
  today
• 6:38
  with
• 6:39
  the
• 6:39
  goal
• 6:39
  of
• 6:39
  embracing
• 6:40
  budgeting
• 6:40
  as
• 6:40
  a
• 6:40
  tool
• 6:41
  for
• 6:41
  freedom.
• 6:42
  The
• 6:42
  first
• 6:42
  thing
• 6:42
  I'm
• 6:43
  going
• 6:43
  to
• 6:43
  encourage
• 6:43
  you
• 6:43
  to
• 6:43
  do
• 6:43
  and
• 6:43
  a
• 6:44
  lot
• 6:44
  of
• 6:44
  people
• 6:44
  when
• 6:44
  I
• 6:44
  was
• 6:44
  planning
• 6:45
  this
• 6:45
  particular
• 6:45
  show,
• 6:46
  I
• 6:46
  sent
• 6:46
  this
• 6:46
  out
• 6:47
  to
• 6:47
  some
• 6:47
  listeners
• 6:48
  and
• 6:48
  they
• 6:48
  said,
• 6:48
  oh,
• 6:48
  we
• 6:48
  like
• 6:49
  this
• 6:49
  idea,
• 6:49
  it's
• 6:49
  a
• 6:49
  great
• 6:50
  idea.
• 6:50
  But
• 6:51
  redefine
• 6:51
  your
• 6:52
  intentional
• 6:52
  language.
• 6:53
  Here's
• 6:53
  what
• 6:53
  I'm
• 6:53
  going
• 6:53
  to
• 6:54
  encourage
• 6:54
  you
• 6:54
  to
• 6:54
  do.
• 6:55
  Instead
• 6:55
  of
• 6:56
  choosing
• 6:56
  to
• 6:56
  use
• 6:57
  the
• 6:57
  word
• 6:57
  budget,
• 6:58
  think
• 6:59
  about
• 6:59
  words
• 7:00
  like
• 7:01
  freedom,
• 7:02
  because
• 7:03
  it's
• 7:03
  all
• 7:03
  about
• 7:03
  how
• 7:03
  you
• 7:04
  envision
• 7:04
  this.
• 7:05
  Instead
• 7:05
  of
• 7:05
  restriction,
• 7:06
  think
• 7:06
  freedom,
• 7:07
  think
• 7:08
  freedom
• 7:08
  plan.
• 7:09
  Freedom,
• 7:10
  power,
• 7:10
  intentionality.
• 7:12
  Remind
• 7:13
  yourself
• 7:13
  this,
• 7:14
  the
• 7:14
  budget
• 7:14
  is
• 7:14
  my
• 7:15
  roadmap
• 7:15
  to
• 7:15
  peace.
• 7:16
  Let's
• 7:16
  call
• 7:16
  it
• 7:16
  a
• 7:16
  freedom
• 7:17
  plan.
• 7:18
  And
• 7:18
  then
• 7:19
  I
• 7:19
  want
• 7:19
  you
• 7:19
  to
• 7:19
  start
• 7:19
  that
• 7:20
  purpose
• 7:20
  driven
• 7:21
  freedom
• 7:21
  plan.
• 7:22
  You
• 7:22
  can
• 7:23
  use
• 7:23
  your
• 7:23
  simple
• 7:24
  snapshot
• 7:24
  that
• 7:24
  we
• 7:24
  put
• 7:25
  together
• 7:25
  yesterday.
• 7:25
  That's
• 7:26
  a
• 7:26
  great
• 7:26
  way
• 7:26
  to
• 7:27
  start.
• 7:27
  And
• 7:27
  I
• 7:28
  want
• 7:28
  you
• 7:28
  to
• 7:28
  start
• 7:28
  giving
• 7:28
  every
• 7:29
  dollar
• 7:29
  a
• 7:29
  job.
• 7:30
  Say,
• 7:30
  hey,
• 7:30
  listen,
• 7:30
  you're
• 7:30
  the
• 7:31
  boss.
• 7:32
  You
• 7:32
  want
• 7:32
  to
• 7:32
  give
• 7:33
  every
• 7:33
  single
• 7:33
  dollar
• 7:34
  a
• 7:34
  job,
• 7:34
  assign
• 7:34
  it
• 7:35
  somewhere
• 7:35
  in
• 7:35
  that
• 7:35
  freedom
• 7:36
  plan,
• 7:37
  align
• 7:37
  that
• 7:37
  with
• 7:38
  your
• 7:38
  values.
• 7:39
  And
• 7:39
  for
• 7:40
  right
• 7:40
  now,
• 7:40
  I
• 7:40
  don't
• 7:40
  want
• 7:40
  you
• 7:40
  to
• 7:41
  get
• 7:41
  real
• 7:41
  detailed.
• 7:42
  I
• 7:42
  just
• 7:42
  want
• 7:42
  you
• 7:42
  to
• 7:42
  use
• 7:43
  some
• 7:43
  very
• 7:43
  broad
• 7:44
  categories.
• 7:45
  The
• 7:45
  categories
• 7:46
  I
• 7:46
  recommend
• 7:46
  you
• 7:46
  use
• 7:46
  are
• 7:47
  spend,
• 7:48
  save,
• 7:48
  give
• 7:49
  and
• 7:49
  then
• 7:49
  debt
• 7:50
  payoff.
• 7:50
  And
• 7:51
  ensure
• 7:51
  that
• 7:51
  every
• 7:52
  dollar
• 7:52
  has
• 7:52
  a
• 7:52
  place
• 7:53
  either
• 7:53
  in
• 7:53
  the
• 7:53
  spend,
• 7:54
  the
• 7:54
  save,
• 7:55
  the
• 7:55
  give
• 7:55
  or
• 7:56
  the
• 7:56
  debt
• 7:56
  payoff
• 7:56
  column.
• 7:57
  Because
• 7:58
  this
• 7:58
  is
• 7:58
  your
• 7:58
  money
• 7:59
  serving
• 7:59
  your
• 7:59
  purpose,
• 8:00
  you're
• 8:00
  making
• 8:00
  this
• 8:01
  decision.
• 8:01
  And
• 8:01
  here's
• 8:01
  one
• 8:01
  More
• 8:02
  thing
• 8:02
  I'm
• 8:02
  going
• 8:02
  to
• 8:02
  recommend
• 8:02
  you
• 8:03
  do,
• 8:03
  I
• 8:03
  want
• 8:03
  you
• 8:04
  to
• 8:04
  deliberately
• 8:04
  allocate
• 8:05
  a
• 8:05
  specific
• 8:06
  realistic
• 8:07
  amount
• 8:07
  for
• 8:07
  one
• 8:07
  fun
• 8:08
  or
• 8:08
  discretionary
• 8:09
  category
• 8:09
  that
• 8:10
  you
• 8:10
  generally
• 8:11
  enjoy.
• 8:12
  Because
• 8:12
  if
• 8:12
  you
• 8:12
  don't,
• 8:12
  you're
• 8:13
  going
• 8:13
  to
• 8:13
  live
• 8:13
  in
• 8:13
  that
• 8:13
  restriction.
• 8:14
  It's
• 8:14
  kind
• 8:14
  of
• 8:14
  like
• 8:14
  a
• 8:14
  diet.
• 8:14
  You
• 8:15
  know,
• 8:15
  when
• 8:15
  I
• 8:15
  go
• 8:15
  on
• 8:15
  a
• 8:15
  diet,
• 8:16
  I
• 8:16
  feel
• 8:16
  like
• 8:16
  it's
• 8:17
  all
• 8:17
  about
• 8:17
  restrictions.
• 8:18
  But
• 8:19
  with
• 8:19
  your
• 8:19
  freedom
• 8:20
  fund,
• 8:20
  what
• 8:20
  you
• 8:20
  can
• 8:21
  do,
• 8:21
  or
• 8:21
  your
• 8:21
  freedom
• 8:21
  plan,
• 8:22
  what
• 8:22
  you
• 8:22
  can
• 8:22
  do
• 8:22
  is
• 8:23
  you
• 8:23
  can
• 8:23
  set
• 8:23
  aside
• 8:24
  money
• 8:24
  for
• 8:24
  dining
• 8:24
  out
• 8:25
  or
• 8:25
  your
• 8:25
  hobbies
• 8:26
  or
• 8:26
  entertainment.
• 8:28
  And
• 8:28
  that
• 8:28
  helps
• 8:29
  you
• 8:29
  do
• 8:29
  this
• 8:29
  and
• 8:30
  spend
• 8:30
  this
• 8:30
  money
• 8:31
  guilt
• 8:32
  free,
• 8:32
  because
• 8:32
  you've
• 8:32
  already
• 8:33
  built
• 8:33
  that
• 8:33
  into
• 8:34
  your
• 8:34
  freedom
• 8:34
  plan.
• 8:35
  And
• 8:36
  if
• 8:36
  you
• 8:36
  do
• 8:36
  this
• 8:36
  right,
• 8:37
  it's
• 8:37
  going
• 8:37
  to
• 8:37
  fight
• 8:37
  that
• 8:37
  struggle
• 8:38
  of
• 8:38
  feeling
• 8:38
  deprived
• 8:39
  by
• 8:39
  a
• 8:39
  budget.
• 8:39
  So
• 8:40
  many
• 8:40
  people
• 8:40
  say
• 8:40
  to
• 8:40
  me,
• 8:40
  Ralph,
• 8:41
  the
• 8:41
  word
• 8:42
  budget
• 8:42
  just
• 8:42
  conjures
• 8:43
  up
• 8:43
  all
• 8:43
  kinds
• 8:43
  of
• 8:44
  negativity
• 8:44
  in
• 8:44
  my
• 8:44
  life.
• 8:45
  So
• 8:46
  call
• 8:46
  it
• 8:46
  your
• 8:46
  freedom
• 8:47
  plan.
• 8:47
  It's
• 8:47
  a
• 8:48
  plan
• 8:48
  for
• 8:48
  your
• 8:49
  freedom.
• 8:49
  Because
• 8:49
  it's
• 8:49
  all
• 8:50
  about
• 8:50
  transforming
• 8:50
  your
• 8:51
  mindset
• 8:51
  from
• 8:51
  that
• 8:52
  negative
• 8:52
  connotation
• 8:54
  to
• 8:54
  positive.
• 8:55
  It's
• 8:55
  all
• 8:55
  about
• 8:55
  empowering
• 8:56
  you
• 8:56
  to
• 8:56
  take
• 8:56
  control
• 8:57
  of
• 8:57
  your
• 8:57
  money.
• 8:57
  And
• 8:58
  it
• 8:58
  turns
• 8:58
  budgeting,
• 8:59
  we're
• 8:59
  not
• 8:59
  even
• 8:59
  going
• 8:59
  to
• 8:59
  use
• 9:00
  that
• 9:00
  term
• 9:00
  as
• 9:00
  much
• 9:01
  anymore.
• 9:01
  And
• 9:02
  it
• 9:02
  turns
• 9:02
  budgeting
• 9:02
  from
• 9:03
  a
• 9:03
  dreaded
• 9:03
  task
• 9:04
  into
• 9:04
  a
• 9:04
  powerful
• 9:05
  tool
• 9:05
  for
• 9:05
  your
• 9:05
  goals.
• 9:06
  Why
• 9:07
  don't
• 9:07
  we
• 9:07
  pray
• 9:07
  together
• 9:07
  now?
• 9:08
  Father
• 9:09
  God,
• 9:09
  we
• 9:09
  just
• 9:09
  thank
• 9:10
  you
• 9:10
  for
• 9:10
  the
• 9:10
  resources
• 9:11
  you
• 9:11
  provide
• 9:11
  us
• 9:11
  and
• 9:12
  for
• 9:12
  calling
• 9:12
  us
• 9:12
  truly
• 9:13
  to
• 9:13
  be
• 9:13
  wise
• 9:13
  stewards.
• 9:14
  And
• 9:15
  Lord,
• 9:15
  we
• 9:15
  have
• 9:15
  to
• 9:15
  confess
• 9:16
  that
• 9:16
  we
• 9:16
  often
• 9:16
  view
• 9:17
  budgeting
• 9:17
  as
• 9:17
  a
• 9:18
  burden
• 9:18
  and
• 9:18
  it
• 9:19
  leads
• 9:19
  us
• 9:19
  to
• 9:19
  avoidance
• 9:20
  and
• 9:20
  it
• 9:20
  leads
• 9:20
  us
• 9:21
  to
• 9:21
  stress.
• 9:21
  Lord,
• 9:22
  I
• 9:22
  just
• 9:23
  ask
• 9:23
  right
• 9:23
  now
• 9:23
  that
• 9:23
  you
• 9:24
  would
• 9:24
  transform
• 9:24
  our
• 9:25
  perspective,
• 9:25
  help
• 9:26
  us
• 9:26
  to
• 9:26
  see
• 9:26
  budgeting
• 9:27
  as
• 9:27
  a
• 9:27
  powerful
• 9:27
  tool
• 9:28
  for
• 9:28
  freedom.
• 9:28
  Lord,
• 9:29
  grant
• 9:29
  us
• 9:30
  discipline
• 9:30
  and
• 9:30
  grant
• 9:31
  us
• 9:31
  wisdom
• 9:31
  as
• 9:31
  we
• 9:32
  create
• 9:32
  and
• 9:32
  follow
• 9:33
  our
• 9:33
  financial
• 9:34
  freedom
• 9:34
  plan.
• 9:35
  Guide
• 9:36
  us
• 9:36
  in
• 9:36
  aligning
• 9:37
  our
• 9:37
  money
• 9:37
  with
• 9:38
  your
• 9:38
  purposes.
• 9:38
  Bring
• 9:39
  us
• 9:39
  peace,
• 9:39
  Lord,
• 9:40
  and
• 9:40
  joy.
• 9:41
  And
• 9:41
  we
• 9:41
  ask
• 9:41
  this
• 9:41
  with
• 9:42
  complete
• 9:42
  confidence
• 9:43
  in
• 9:44
  Jesus
• 9:44
  name,
• 9:45
  Amen.
• 9:46
  Listen,
• 9:47
  budgeting
• 9:48
  isn't
• 9:48
  about
• 9:49
  restriction.
• 9:49
  If
• 9:49
  you
• 9:50
  hear
• 9:50
  nothing
• 9:50
  else
• 9:50
  I
• 9:51
  say
• 9:51
  today,
• 9:51
  I
• 9:52
  want
• 9:52
  you
• 9:52
  to
• 9:52
  hear
• 9:52
  that
• 9:53
  it's
• 9:53
  not
• 9:53
  about
• 9:54
  restriction
• 9:56
  if
• 9:56
  it's
• 9:56
  done
• 9:56
  right.
• 9:56
  It's
• 9:57
  about
• 9:57
  freedom.
• 9:57
  It's
• 9:58
  about
• 9:58
  control
• 9:58
  and
• 9:58
  hey,
• 9:59
  it's
• 9:59
  about
• 9:59
  intentional
• 10:00
  living.
• 10:00
  So
• 10:01
  I
• 10:01
  want
• 10:01
  to
• 10:01
  encourage
• 10:01
  you
• 10:01
  one
• 10:01
  more
• 10:02
  time,
• 10:02
  take
• 10:02
  that
• 10:02
  step
• 10:03
  today
• 10:03
  to
• 10:03
  refine
• 10:04
  budgeting
• 10:05
  in
• 10:05
  your
• 10:05
  mind
• 10:05
  and
• 10:06
  create
• 10:06
  a
• 10:06
  simple,
• 10:07
  purpose
• 10:07
  driven
• 10:08
  freedom
• 10:09
  plan.
• 10:09
  Because
• 10:10
  here's
• 10:10
  the
• 10:10
  truth.
• 10:11
  You're
• 10:11
  moving
• 10:11
  towards
• 10:12
  freedom.
• 10:13
  And
• 10:13
  if
• 10:13
  this
• 10:13
  episode
• 10:14
  has
• 10:14
  resonated
• 10:15
  with
• 10:15
  you,
• 10:15
  I
• 10:15
  want
• 10:15
  to
• 10:15
  consider.
• 10:16
  I
• 10:16
  would
• 10:16
  like
• 10:16
  you
• 10:16
  to
• 10:16
  consider
• 10:17
  sharing
• 10:17
  it
• 10:17
  with
• 10:17
  somebody
• 10:18
  who
• 10:18
  might
• 10:18
  need
• 10:18
  to
• 10:19
  hear.
• 10:19
  There
• 10:19
  are
• 10:19
  so
• 10:20
  many
• 10:20
  people
• 10:20
  out
• 10:20
  there
• 10:21
  who
• 10:21
  are
• 10:21
  who
• 10:21
  are
• 10:21
  feeling
• 10:22
  the
• 10:22
  same
• 10:22
  as
• 10:22
  what
• 10:22
  you're
• 10:23
  feeling.
• 10:23
  And
• 10:24
  you've
• 10:24
  landed
• 10:24
  here.
• 10:24
  You've
• 10:25
  been
• 10:25
  listening
• 10:25
  to
• 10:25
  the
• 10:25
  show.
• 10:25
  Maybe
• 10:26
  this
• 10:26
  is
• 10:26
  your
• 10:26
  first
• 10:27
  episode,
• 10:27
  but
• 10:27
  you're
• 10:27
  like,
• 10:27
  ralph,
• 10:28
  I
• 10:28
  got
• 10:28
  to
• 10:28
  hear
• 10:28
  more
• 10:28
  of
• 10:28
  this.
• 10:29
  Well,
• 10:29
  there's
• 10:30
  somebody
• 10:30
  out
• 10:30
  there
• 10:30
  right
• 10:31
  now
• 10:31
  who
• 10:31
  needs
• 10:31
  to
• 10:31
  hear
• 10:31
  more
• 10:32
  of
• 10:32
  that
• 10:32
  also.
• 10:32
  And
• 10:33
  you
• 10:33
  can
• 10:33
  be
• 10:33
  impactful
• 10:34
  on
• 10:34
  their
• 10:35
  financial
• 10:35
  life.
• 10:35
  Just
• 10:35
  send
• 10:36
  them
• 10:36
  to
• 10:36
  our
• 10:36
  website.
• 10:37
  That's
• 10:37
  financially
• 10:38
  confidentchristian.com
• 10:40
  hey,
• 10:40
  share
• 10:40
  the
• 10:40
  wealth,
• 10:41
  because
• 10:41
  maybe
• 10:42
  you
• 10:42
  can
• 10:42
  help
• 10:42
  them
• 10:42
  break
• 10:43
  that
• 10:43
  cycle
• 10:43
  of
• 10:44
  financial
• 10:44
  shame
• 10:45
  and
• 10:45
  truly
• 10:45
  step
• 10:45
  into
• 10:46
  confidence.
• 10:46
  And
• 10:46
  hey,
• 10:47
  I
• 10:47
  got
• 10:47
  one
• 10:47
  more
• 10:47
  thing
• 10:47
  for
• 10:47
  you
• 10:48
  today.
• 10:48
  This
• 10:48
  is
• 10:48
  going
• 10:49
  to
• 10:49
  be
• 10:49
  fantastic.
• 10:50
  I
• 10:50
  just
• 10:50
  finished
• 10:50
  writing
• 10:51
  my
• 10:51
  next
• 10:51
  book.
• 10:51
  It's
• 10:52
  called
• 10:52
  how
• 10:52
  to
• 10:52
  Become
• 10:53
  a
• 10:53
  Financially
• 10:53
  Confident
• 10:54
  Christian.
• 10:54
  And
• 10:54
  today
• 10:55
  I
• 10:55
  want
• 10:55
  to
• 10:55
  give
• 10:55
  you
• 10:55
  a
• 10:55
  free
• 10:56
  copy
• 10:56
  of
• 10:56
  that
• 10:56
  book.
• 10:56
  Absolutely
• 10:57
  no
• 10:58
  strings
• 10:59
  attached.
• 10:59
  I
• 10:59
  just
• 10:59
  want
• 10:59
  to
• 10:59
  give
• 11:00
  it
• 11:00
  to
• 11:00
  you.
• 11:00
  You
• 11:00
  can
• 11:00
  go
• 11:00
  right
• 11:00
  to
• 11:01
  financiallyconfidentchristian.com/becoming
• 11:04
  and
• 11:04
  you
• 11:04
  can
• 11:04
  download
• 11:05
  a
• 11:05
  free
• 11:05
  copy
• 11:05
  of
• 11:06
  the
• 11:06
  book
• 11:06
  today.
• 11:06
  Again,
• 11:06
  that's
• 11:08
  financiallyconfidentchristian.com/becoming
• 11:11
  now,
• 11:12
  here's
• 11:12
  what
• 11:12
  we're
• 11:12
  going
• 11:12
  to
• 11:12
  talk
• 11:12
  about
• 11:12
  tomorrow.
• 11:13
  We're
• 11:13
  going
• 11:13
  to
• 11:14
  talk
• 11:14
  about
• 11:14
  another
• 11:14
  common
• 11:15
  hurdle,
• 11:16
  why
• 11:16
  it
• 11:16
  can
• 11:16
  be
• 11:17
  so
• 11:17
  hard
• 11:17
  to
• 11:17
  actually
• 11:18
  stick
• 11:18
  to
• 11:18
  your
• 11:18
  budget.
• 11:19
  I'm
• 11:19
  going
• 11:19
  to
• 11:20
  tell
• 11:20
  you
• 11:20
  how
• 11:20
  to
• 11:20
  overcome
• 11:21
  inconsistency
• 11:22
  to
• 11:22
  stay
• 11:22
  on
• 11:23
  track.
• 11:23
  That's
• 11:23
  a
• 11:23
  show
• 11:23
  you
• 11:23
  don't
• 11:24
  want
• 11:24
  to
• 11:24
  miss.
• 11:24
  So
• 11:25
  make
• 11:25
  sure
• 11:25
  you
• 11:25
  put
• 11:25
  it
• 11:26
  on
• 11:26
  your
• 11:26
  calendar.
• 11:26
  Make
• 11:27
  sure
• 11:27
  you
• 11:27
  subscribe
• 11:28
  to
• 11:28
  the
• 11:28
  show.
• 11:28
  Make
• 11:28
  sure
• 11:29
  you
• 11:29
  join
• 11:29
  me
• 11:29
  tomorrow.
• 11:30
  Now
• 11:30
  let's
• 11:30
  all
• 11:30
  go
• 11:31
  out
• 11:31
  there
• 11:31
  today
• 11:31
  and
• 11:32
  be
• 11:32
  those
• 11:33
  financially
• 11:33
  confident
• 11:34
  Christians
• 11:34
  we
• 11:34
  want
• 11:34
  to
• 11:35
  be.
• 11:35
  You
• 11:35
  can
• 11:36
  do
• 11:36
  this.
• 11:36
  I
• 11:37
  have
• 11:37
  confidence
• 11:37
  in
• 11:37
  you.
• 11:38
  Have
• 11:38
  confidence
• 11:38
  in
• 11:39
  yourself.
• 11:39
  Stay
• 11:40
  financially
• 11:40
  savvy.
• 11:40
  God
• 11:41
  bless
• 11:41
  you.
• 11:41
  And
• 11:42
  you
• 11:42
  have
• 11:42
  a
• 11:42
  great
• 11:42
  day
• 11:42
  today.