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Top 5 Mistakes People Make at Tax Time (and How to Avoid Them) · Becoming Financially Confident

• 1:20
  Most
• 1:20
  tax
• 1:21
  stress
• 1:21
  doesn't
• 1:22
  come
• 1:22
  from
• 1:22
  taxes.
• 1:23
  It
• 1:24
  comes
• 1:24
  from
• 1:24
  mistakes.
• 1:25
  I'm
• 1:25
  talking
• 1:25
  about
• 1:25
  small
• 1:26
  mistakes,
• 1:26
  rush
• 1:27
  mistakes,
• 1:28
  and
• 1:28
  often
• 1:28
  overlooked
• 1:29
  items.
• 1:30
  Maybe
• 1:30
  it's
• 1:30
  a
• 1:31
  missing
• 1:31
  form,
• 1:31
  a
• 1:32
  late
• 1:32
  filing
• 1:33
  or
• 1:33
  a
• 1:33
  forgotten
• 1:34
  credit,
• 1:34
  and
• 1:35
  suddenly
• 1:35
  a
• 1:35
  manageable
• 1:36
  process
• 1:37
  feels
• 1:37
  completely
• 1:38
  overwhelming.
• 1:39
  And
• 1:40
  friend,
• 1:40
  today
• 1:40
  isn't
• 1:40
  about
• 1:40
  fear.
• 1:41
  It's
• 1:41
  about
• 1:41
  clarity.
• 1:42
  Because
• 1:42
  when
• 1:43
  you
• 1:43
  know
• 1:43
  what
• 1:43
  to
• 1:43
  watch
• 1:44
  for,
• 1:44
  you
• 1:44
  can
• 1:44
  avoid
• 1:45
  most
• 1:45
  tax
• 1:45
  stress
• 1:46
  before
• 1:46
  it
• 1:47
  even
• 1:47
  starts.
• 1:48
  So.
• 1:48
  So
• 1:48
  let's
• 1:48
  start
• 1:48
  with
• 1:49
  a
• 1:49
  simple
• 1:49
  checklist
• 1:50
  mindset.
• 1:51
  Here's
• 1:51
  the
• 1:51
  question
• 1:52
  we're
• 1:52
  answering
• 1:52
  today.
• 1:53
  What
• 1:53
  are
• 1:53
  the
• 1:54
  top
• 1:54
  mistakes
• 1:54
  people
• 1:55
  make
• 1:55
  at
• 1:55
  tax
• 1:55
  time?
• 1:56
  And
• 1:56
  bigger
• 1:56
  than
• 1:57
  that,
• 1:57
  how
• 1:57
  can
• 1:57
  you
• 1:58
  avoid
• 1:58
  them?
• 1:58
  And
• 1:59
  here's
• 1:59
  my
• 1:59
  promise.
• 1:59
  By
• 1:59
  the
• 2:00
  end
• 2:00
  of
• 2:00
  this
• 2:00
  episode,
• 2:01
  you're
• 2:01
  going
• 2:01
  to
• 2:01
  know
• 2:01
  what
• 2:01
  those
• 2:02
  five
• 2:02
  common
• 2:02
  mistakes
• 2:03
  are,
• 2:03
  why
• 2:03
  they
• 2:04
  happen,
• 2:04
  and
• 2:05
  a
• 2:05
  few
• 2:05
  simple
• 2:05
  habits
• 2:06
  that
• 2:06
  could
• 2:06
  protect
• 2:07
  your
• 2:07
  peace
• 2:07
  and
• 2:07
  your
• 2:08
  wallet.
• 2:08
  Today's
• 2:09
  not
• 2:09
  about
• 2:09
  panic,
• 2:10
  and
• 2:10
  it's
• 2:10
  certainly
• 2:10
  not
• 2:11
  about
• 2:11
  shame.
• 2:11
  It's
• 2:12
  about
• 2:12
  knowledge
• 2:13
  and
• 2:13
  confidence
• 2:14
  moving
• 2:14
  forward.
• 2:36
  Hey,
• 2:36
  friend.
• 2:36
  Ralph
• 2:37
  Estep
• 2:37
  Jr.
• 2:37
  Here.
• 2:38
  Welcome
• 2:38
  to
• 2:38
  Financially
• 2:39
  Confident
• 2:39
  Christian,
• 2:40
  where
• 2:40
  we're
• 2:40
  learning
• 2:40
  how
• 2:40
  to
• 2:41
  walk
• 2:41
  through
• 2:41
  life
• 2:41
  and
• 2:42
  money
• 2:42
  with
• 2:42
  wisdom,
• 2:43
  with
• 2:43
  peace,
• 2:44
  and
• 2:44
  with
• 2:45
  a
• 2:45
  heart
• 2:45
  anchored
• 2:45
  in
• 2:46
  God's
• 2:46
  truth.
• 2:47
  My
• 2:47
  mission
• 2:47
  on
• 2:47
  this
• 2:47
  show
• 2:48
  is
• 2:48
  to
• 2:48
  help
• 2:48
  you
• 2:48
  break
• 2:48
  the
• 2:49
  cycle
• 2:49
  of
• 2:49
  financial
• 2:49
  shame
• 2:50
  and
• 2:50
  build
• 2:50
  those
• 2:50
  steady
• 2:51
  habits
• 2:51
  deeply
• 2:52
  rooted
• 2:52
  in
• 2:52
  faith
• 2:53
  and
• 2:53
  become
• 2:54
  financially
• 2:55
  confident
• 2:55
  Christians.
• 2:56
  And
• 2:56
  I
• 2:56
  am
• 2:57
  really
• 2:57
  glad
• 2:57
  you're
• 2:57
  here
• 2:58
  today.
• 2:58
  Yesterday,
• 2:59
  we
• 2:59
  launched
• 2:59
  our
• 2:59
  Tax
• 3:00
  Season
• 3:00
  survival
• 3:01
  guide.
• 3:01
  We
• 3:01
  talked
• 3:01
  about
• 3:02
  preparing
• 3:02
  early
• 3:03
  to
• 3:03
  reduce
• 3:03
  stress.
• 3:05
  Today
• 3:05
  we're
• 3:05
  going
• 3:05
  to
• 3:05
  talk
• 3:05
  about
• 3:06
  that
• 3:06
  next
• 3:06
  step
• 3:06
  in
• 3:06
  avoiding
• 3:07
  the
• 3:07
  tripwires.
• 3:08
  I
• 3:08
  call
• 3:08
  them
• 3:08
  the
• 3:08
  tripwires
• 3:09
  we're
• 3:10
  going
• 3:10
  to
• 3:10
  talk
• 3:10
  about.
• 3:10
  Most
• 3:10
  mistakes
• 3:11
  happen
• 3:11
  from
• 3:11
  rushing,
• 3:12
  not
• 3:12
  from
• 3:13
  bad
• 3:13
  intent.
• 3:14
  And
• 3:14
  this
• 3:14
  episode
• 3:15
  right
• 3:15
  now
• 3:15
  is
• 3:15
  meant
• 3:15
  to
• 3:16
  steady
• 3:16
  you,
• 3:16
  not
• 3:17
  to
• 3:17
  scare
• 3:17
  you.
• 3:17
  So
• 3:17
  let's
• 3:18
  slow
• 3:18
  it
• 3:18
  down
• 3:19
  and
• 3:19
  make
• 3:19
  it
• 3:19
  simple.
• 3:20
  Because
• 3:20
  here's
• 3:20
  a
• 3:20
  question
• 3:21
  I
• 3:21
  hear
• 3:21
  way
• 3:21
  too
• 3:22
  often,
• 3:22
  Ralph
• 3:23
  why
• 3:23
  do
• 3:23
  people
• 3:24
  usually
• 3:24
  mess
• 3:25
  up
• 3:25
  when
• 3:25
  it
• 3:25
  comes
• 3:25
  to
• 3:26
  taxes?
• 3:26
  Or
• 3:27
  how
• 3:27
  do
• 3:27
  I
• 3:28
  make
• 3:28
  sure
• 3:28
  I
• 3:28
  don't
• 3:28
  miss
• 3:29
  something
• 3:29
  important?
• 3:30
  And
• 3:30
  these
• 3:31
  two
• 3:31
  questions
• 3:31
  are
• 3:32
  huge
• 3:32
  questions
• 3:33
  because
• 3:34
  most
• 3:34
  tax
• 3:34
  problems
• 3:35
  aren't
• 3:35
  about
• 3:35
  their
• 3:36
  income.
• 3:36
  They're
• 3:37
  about
• 3:37
  the
• 3:37
  details.
• 3:37
  I'm
• 3:38
  in
• 3:38
  a
• 3:38
  detail
• 3:38
  business,
• 3:39
  so
• 3:39
  if
• 3:40
  you've
• 3:40
  ever
• 3:40
  thought,
• 3:40
  I
• 3:41
  hope
• 3:41
  I
• 3:41
  did
• 3:41
  this
• 3:42
  right,
• 3:42
  guess
• 3:42
  what?
• 3:43
  You're
• 3:43
  normal.
• 3:45
  How
• 3:45
  many
• 3:45
  times
• 3:45
  have
• 3:46
  you
• 3:46
  realized
• 3:46
  after
• 3:47
  filing
• 3:47
  it
• 3:47
  you
• 3:47
  forgot
• 3:48
  something?
• 3:48
  Or
• 3:48
  maybe
• 3:49
  you
• 3:49
  opened
• 3:49
  up
• 3:49
  that
• 3:49
  IRS
• 3:50
  letter
• 3:50
  and
• 3:50
  your
• 3:51
  stomach
• 3:51
  dropped?
• 3:52
  Truth
• 3:52
  is,
• 3:53
  taxes
• 3:53
  have
• 3:53
  a
• 3:53
  lot
• 3:53
  of
• 3:54
  moving
• 3:54
  parts
• 3:55
  and
• 3:55
  pressure
• 3:56
  makes
• 3:56
  people
• 3:56
  rush
• 3:57
  to
• 3:57
  get
• 3:57
  them
• 3:57
  done.
• 3:58
  So
• 3:58
  today's
• 3:58
  about
• 3:59
  slowing
• 3:59
  the
• 4:00
  process
• 4:00
  down
• 4:01
  and
• 4:01
  being
• 4:02
  wise
• 4:02
  in
• 4:02
  it.
• 4:03
  We're
• 4:03
  not
• 4:03
  being
• 4:03
  careless.
• 4:04
  We're
• 4:04
  being
• 4:04
  normal.
• 4:05
  Here's
• 4:05
  something
• 4:06
  reassuring.
• 4:07
  Most
• 4:07
  tax
• 4:08
  mistakes
• 4:08
  are
• 4:08
  preventable.
• 4:09
  I'm
• 4:10
  going
• 4:10
  to
• 4:10
  say
• 4:10
  that
• 4:10
  again,
• 4:10
  because
• 4:10
  you
• 4:11
  need
• 4:11
  to
• 4:11
  hear
• 4:11
  this.
• 4:12
  Most
• 4:12
  tax
• 4:12
  mistakes
• 4:13
  are
• 4:13
  preventable.
• 4:14
  They
• 4:14
  don't
• 4:14
  happen
• 4:14
  because
• 4:15
  people
• 4:15
  don't
• 4:15
  care.
• 4:15
  There's
• 4:16
  not
• 4:16
  people
• 4:16
  out
• 4:16
  there
• 4:16
  going,
• 4:16
  wow,
• 4:17
  I
• 4:17
  don't
• 4:17
  really
• 4:17
  care.
• 4:17
  I'm
• 4:17
  just
• 4:18
  going
• 4:18
  to
• 4:18
  throw
• 4:18
  numbers
• 4:18
  on
• 4:18
  a
• 4:19
  paper.
• 4:19
  Yeah,
• 4:20
  because
• 4:20
  people
• 4:20
  don't
• 4:20
  have
• 4:20
  a
• 4:21
  system.
• 4:21
  See,
• 4:21
  in
• 4:22
  so
• 4:22
  many
• 4:22
  things
• 4:22
  in
• 4:22
  life,
• 4:22
  so
• 4:23
  many
• 4:23
  things
• 4:23
  I
• 4:23
  talk
• 4:23
  about
• 4:23
  on
• 4:24
  this
• 4:24
  show,
• 4:24
  it's
• 4:25
  about
• 4:25
  systems.
• 4:26
  But
• 4:26
  here's
• 4:26
  the
• 4:26
  best
• 4:26
  part.
• 4:27
  A
• 4:27
  system
• 4:28
  can
• 4:28
  be
• 4:28
  learned.
• 4:29
  So
• 4:29
  let's
• 4:29
  walk
• 4:29
  through
• 4:30
  the
• 4:30
  five
• 4:30
  mistakes
• 4:31
  one
• 4:31
  at
• 4:31
  a
• 4:31
  time.
• 4:32
  Because
• 4:32
  I've
• 4:33
  reviewed
• 4:33
  and
• 4:33
  guided
• 4:34
  thousands
• 4:34
  of
• 4:35
  tax
• 4:35
  returns.
• 4:35
  I'm
• 4:35
  talking
• 4:35
  about
• 4:36
  thousands
• 4:36
  of
• 4:36
  tax
• 4:36
  returns.
• 4:37
  I've
• 4:37
  worked
• 4:38
  with
• 4:38
  employees,
• 4:39
  side
• 4:39
  hustlers,
• 4:40
  business
• 4:40
  owners
• 4:41
  and
• 4:41
  families.
• 4:42
  And
• 4:42
  here's
• 4:43
  what
• 4:43
  I
• 4:43
  found.
• 4:43
  The
• 4:44
  same
• 4:44
  mistakes
• 4:45
  show
• 4:45
  up
• 4:45
  every
• 4:45
  single
• 4:46
  year.
• 4:46
  And
• 4:46
  it's
• 4:46
  not
• 4:47
  because
• 4:47
  people
• 4:47
  are
• 4:47
  irresponsible.
• 4:49
  It's
• 4:49
  because
• 4:49
  no
• 4:50
  one
• 4:50
  ever
• 4:50
  taught
• 4:50
  them
• 4:51
  what
• 4:51
  to
• 4:51
  watch
• 4:51
  for,
• 4:52
  and
• 4:52
  they
• 4:52
  never
• 4:53
  have.
• 4:53
  Help
• 4:53
  them
• 4:53
  build
• 4:54
  a
• 4:54
  system.
• 4:56
  So
• 4:56
  let
• 4:56
  me
• 4:56
  give
• 4:57
  you
• 4:57
  a
• 4:57
  quick,
• 4:57
  real
• 4:57
  example.
• 4:59
  I
• 4:59
  see
• 4:59
  this
• 4:59
  occasionally.
• 5:00
  Every
• 5:00
  year,
• 5:01
  person
• 5:01
  filed
• 5:01
  early
• 5:02
  but
• 5:02
  forgot
• 5:02
  about
• 5:02
  a
• 5:03
  1099.
• 5:03
  Now,
• 5:03
  it
• 5:04
  wasn't
• 5:04
  about
• 5:04
  a
• 5:04
  huge
• 5:04
  amount
• 5:05
  of
• 5:05
  money.
• 5:05
  They
• 5:05
  worked
• 5:05
  a
• 5:05
  little
• 5:05
  side
• 5:06
  job
• 5:06
  doing
• 5:06
  doordash
• 5:07
  or
• 5:07
  something
• 5:07
  along
• 5:08
  those
• 5:08
  lines,
• 5:09
  and
• 5:09
  they
• 5:09
  thought
• 5:09
  everything
• 5:10
  was
• 5:10
  fine.
• 5:10
  They
• 5:10
  got
• 5:10
  their
• 5:10
  refund.
• 5:12
  Fast
• 5:12
  forward
• 5:12
  12
• 5:13
  months,
• 5:13
  a
• 5:13
  letter
• 5:14
  comes
• 5:14
  in
• 5:15
  from
• 5:15
  the
• 5:15
  IRS
• 5:15
  and
• 5:16
  says,
• 5:16
  Guess
• 5:16
  what?
• 5:16
  You
• 5:16
  made
• 5:16
  a
• 5:16
  mistake
• 5:17
  on
• 5:17
  your
• 5:17
  return.
• 5:17
  Of
• 5:17
  course,
• 5:18
  immediately
• 5:18
  they
• 5:19
  stress
• 5:19
  out.
• 5:19
  They
• 5:19
  call
• 5:19
  me.
• 5:19
  They're
• 5:20
  like,
• 5:20
  ralph,
• 5:20
  what
• 5:20
  happened
• 5:20
  here?
• 5:21
  I
• 5:21
  look
• 5:21
  at
• 5:21
  the
• 5:22
  notice,
• 5:22
  I'm
• 5:22
  like,
• 5:22
  no
• 5:22
  big
• 5:23
  deal.
• 5:23
  You
• 5:23
  forgot
• 5:24
  to
• 5:24
  include
• 5:24
  this
• 5:24
  1099.
• 5:25
  But
• 5:25
  listen,
• 5:26
  they
• 5:26
  don't
• 5:26
  do
• 5:26
  taxes
• 5:27
  every
• 5:27
  day.
• 5:28
  So
• 5:28
  for
• 5:28
  them,
• 5:28
  it
• 5:28
  was
• 5:29
  stress.
• 5:30
  So
• 5:30
  here's
• 5:30
  what
• 5:30
  I
• 5:30
  did
• 5:30
  with
• 5:31
  them.
• 5:31
  I
• 5:31
  said,
• 5:31
  listen,
• 5:31
  if
• 5:31
  you're
• 5:32
  going
• 5:32
  to
• 5:32
  do
• 5:32
  this
• 5:32
  next
• 5:32
  year,
• 5:33
  let's
• 5:33
  do
• 5:33
  a
• 5:33
  simple
• 5:34
  checklist.
• 5:35
  Let's
• 5:35
  look
• 5:35
  at
• 5:35
  the
• 5:36
  income.
• 5:36
  If
• 5:36
  you're
• 5:37
  going
• 5:37
  to
• 5:37
  have
• 5:37
  the
• 5:37
  same
• 5:37
  forms,
• 5:38
  compare
• 5:38
  those.
• 5:38
  This
• 5:39
  is
• 5:39
  one
• 5:39
  of
• 5:39
  the
• 5:39
  things
• 5:39
  I
• 5:39
  tell
• 5:39
  clients
• 5:40
  all
• 5:40
  the
• 5:40
  time.
• 5:40
  Where
• 5:41
  are
• 5:41
  your
• 5:41
  forms
• 5:42
  from
• 5:42
  the
• 5:42
  prior
• 5:42
  year?
• 5:42
  Okay,
• 5:43
  well,
• 5:43
  let's
• 5:43
  start
• 5:43
  there.
• 5:44
  Make
• 5:44
  sure
• 5:45
  you
• 5:45
  have
• 5:45
  those
• 5:45
  again
• 5:45
  this
• 5:46
  year.
• 5:46
  Well,
• 5:46
  Ralph,
• 5:46
  I
• 5:46
  changed
• 5:47
  jobs.
• 5:47
  Okay,
• 5:47
  then
• 5:47
  you're
• 5:47
  going
• 5:48
  to
• 5:48
  have
• 5:48
  a
• 5:48
  different
• 5:48
  form.
• 5:49
  It's
• 5:49
  a
• 5:50
  different
• 5:50
  experience.
• 5:52
  So
• 5:52
  next
• 5:52
  year,
• 5:52
  use
• 5:53
  a
• 5:53
  checklist
• 5:53
  and
• 5:54
  you
• 5:54
  can
• 5:54
  disappear
• 5:55
  from
• 5:55
  that
• 5:55
  stress.
• 5:56
  So
• 5:56
  here's
• 5:56
  today's
• 5:56
  central
• 5:57
  question.
• 5:58
  Are
• 5:58
  you
• 5:58
  reacting
• 5:58
  to
• 5:59
  tax
• 5:59
  season?
• 6:00
  Are
• 6:00
  you
• 6:00
  preparing
• 6:00
  for
• 6:01
  it
• 6:01
  intentionally?
• 6:01
  Because
• 6:01
  there's
• 6:02
  a
• 6:02
  huge
• 6:02
  difference.
• 6:03
  Preparation
• 6:04
  is
• 6:04
  the
• 6:04
  difference
• 6:05
  between
• 6:05
  panic
• 6:06
  and
• 6:06
  peace.
• 6:07
  So
• 6:07
  let's
• 6:07
  walk
• 6:07
  through
• 6:08
  the
• 6:08
  top
• 6:08
  five
• 6:09
  tax
• 6:09
  mistakes
• 6:10
  and
• 6:10
  how
• 6:10
  to
• 6:11
  avoid
• 6:11
  each
• 6:11
  one.
• 6:11
  Now,
• 6:11
  I'm
• 6:11
  not
• 6:11
  doing
• 6:12
  this
• 6:12
  to
• 6:12
  scare
• 6:12
  You,
• 6:13
  I
• 6:13
  want
• 6:13
  to
• 6:13
  steady
• 6:14
  you.
• 6:14
  Number
• 6:14
  one
• 6:14
  mistake.
• 6:15
  I
• 6:15
  see
• 6:16
  this
• 6:16
  all
• 6:16
  the
• 6:16
  time,
• 6:17
  and
• 6:17
  that's
• 6:17
  missing
• 6:18
  documents.
• 6:18
  That's
• 6:18
  the
• 6:19
  most
• 6:19
  common
• 6:19
  mistake.
• 6:20
  It's
• 6:20
  that
• 6:21
  forgotten
• 6:21
  1099.
• 6:22
  Or
• 6:22
  you
• 6:22
  had
• 6:22
  that
• 6:23
  bank
• 6:23
  account
• 6:23
  and
• 6:24
  you
• 6:24
  forgot
• 6:24
  to
• 6:24
  tell
• 6:24
  me
• 6:24
  about
• 6:25
  the
• 6:25
  interest.
• 6:25
  Or
• 6:26
  you
• 6:26
  had
• 6:26
  that
• 6:26
  side
• 6:26
  income.
• 6:27
  You
• 6:27
  know,
• 6:27
  I
• 6:27
  only
• 6:27
  did
• 6:27
  it
• 6:27
  for
• 6:27
  a
• 6:28
  few
• 6:28
  months.
• 6:28
  I
• 6:28
  totally
• 6:28
  forgot
• 6:29
  about
• 6:29
  it.
• 6:29
  And
• 6:30
  usually
• 6:30
  it's
• 6:30
  not
• 6:30
  about
• 6:31
  dishonesty.
• 6:31
  It's
• 6:32
  just
• 6:32
  you
• 6:32
  forgot
• 6:32
  about
• 6:33
  it.
• 6:33
  You
• 6:33
  didn't
• 6:33
  have
• 6:33
  all
• 6:33
  the
• 6:33
  information
• 6:34
  together.
• 6:35
  And
• 6:35
  that
• 6:35
  one
• 6:36
  assumption
• 6:36
  helps
• 6:37
  if
• 6:37
  you
• 6:37
  earn
• 6:37
  money.
• 6:38
  A
• 6:38
  form
• 6:38
  is
• 6:39
  coming.
• 6:39
  Here's
• 6:40
  mistake
• 6:40
  number
• 6:40
  one.
• 6:41
  Missing
• 6:41
  documents.
• 6:42
  This
• 6:42
  is
• 6:42
  the
• 6:42
  most
• 6:42
  common
• 6:43
  mistake
• 6:43
  I
• 6:44
  see
• 6:44
  all
• 6:44
  the
• 6:44
  time.
• 6:44
  Maybe
• 6:45
  you
• 6:45
  had
• 6:45
  an
• 6:45
  interest
• 6:45
  account,
• 6:46
  or
• 6:46
  you
• 6:46
  had
• 6:46
  a
• 6:46
  bank
• 6:47
  account,
• 6:47
  or
• 6:47
  you
• 6:47
  had
• 6:47
  some
• 6:48
  stock
• 6:48
  sales.
• 6:48
  I
• 6:48
  just
• 6:49
  totally
• 6:49
  slipped
• 6:49
  your
• 6:49
  mind.
• 6:50
  Or
• 6:50
  that
• 6:50
  side
• 6:51
  income
• 6:51
  that
• 6:51
  you
• 6:51
  only
• 6:51
  did
• 6:52
  for
• 6:52
  a
• 6:52
  little
• 6:52
  while.
• 6:53
  And
• 6:53
  usually
• 6:53
  it's
• 6:53
  not
• 6:53
  about
• 6:54
  being
• 6:54
  dishonest.
• 6:55
  You
• 6:55
  just
• 6:55
  didn't
• 6:55
  have
• 6:55
  all
• 6:55
  the
• 6:55
  information
• 6:56
  together.
• 6:56
  Here's
• 6:57
  one
• 6:57
  assumption
• 6:57
  that
• 6:58
  can
• 6:58
  help
• 6:58
  you
• 6:58
  every
• 6:59
  single
• 6:59
  year.
• 6:59
  If
• 6:59
  you
• 7:00
  earn
• 7:00
  money
• 7:00
  from
• 7:00
  any
• 7:01
  source,
• 7:01
  guess
• 7:01
  what?
• 7:02
  A
• 7:02
  form
• 7:02
  is
• 7:02
  coming
• 7:03
  to
• 7:03
  you.
• 7:04
  So
• 7:04
  create
• 7:04
  a
• 7:04
  checklist
• 7:05
  of
• 7:05
  those
• 7:05
  expected
• 7:06
  documents
• 7:07
  and
• 7:07
  add
• 7:08
  to
• 7:08
  as
• 7:08
  new
• 7:08
  income
• 7:09
  shows
• 7:09
  up.
• 7:10
  Once
• 7:10
  you
• 7:10
  do
• 7:10
  that
• 7:11
  tracking,
• 7:11
  it
• 7:11
  removes
• 7:12
  that
• 7:12
  guessing.
• 7:13
  And
• 7:13
  when
• 7:13
  you
• 7:13
  stop
• 7:14
  guessing,
• 7:14
  it
• 7:15
  reduces
• 7:15
  that
• 7:15
  stress.
• 7:16
  Here's
• 7:17
  mistake
• 7:17
  number
• 7:17
  two,
• 7:18
  and
• 7:18
  this
• 7:18
  one
• 7:18
  is
• 7:19
  completely
• 7:19
  avoidable.
• 7:20
  Filing
• 7:21
  too
• 7:21
  late.
• 7:22
  Delay
• 7:23
  feels
• 7:23
  easier
• 7:24
  at
• 7:24
  first.
• 7:24
  Like,
• 7:25
  oh,
• 7:25
  I
• 7:25
  can
• 7:25
  just
• 7:25
  put
• 7:25
  it
• 7:25
  off
• 7:26
  or
• 7:26
  put
• 7:26
  it
• 7:26
  off.
• 7:26
  You
• 7:26
  know,
• 7:26
  I
• 7:26
  can
• 7:27
  just
• 7:27
  keep
• 7:27
  on
• 7:27
  with,
• 7:27
  they'll
• 7:28
  get
• 7:28
  their
• 7:28
  money
• 7:28
  when
• 7:28
  they
• 7:29
  want
• 7:29
  it.
• 7:30
  But
• 7:30
  you
• 7:30
  don't
• 7:30
  think
• 7:31
  about
• 7:31
  it.
• 7:31
  It's
• 7:31
  quietly
• 7:32
  adding
• 7:32
  pressure.
• 7:34
  As
• 7:34
  that
• 7:34
  deadline
• 7:34
  closes
• 7:35
  in,
• 7:35
  you
• 7:36
  still
• 7:36
  have
• 7:36
  the
• 7:36
  same
• 7:36
  questions.
• 7:37
  And
• 7:37
  then
• 7:37
  you
• 7:37
  get
• 7:38
  to
• 7:38
  the
• 7:38
  end.
• 7:38
  You're
• 7:38
  like,
• 7:38
  I
• 7:38
  got
• 7:38
  to
• 7:38
  get
• 7:39
  this
• 7:39
  done
• 7:39
  today.
• 7:39
  Everything
• 7:39
  feels
• 7:40
  rushed.
• 7:41
  Here's
• 7:41
  the
• 7:41
  problem.
• 7:42
  Late
• 7:42
  filing
• 7:42
  can
• 7:42
  also
• 7:43
  lead
• 7:43
  to
• 7:43
  missed
• 7:43
  deductions
• 7:44
  because
• 7:44
  you
• 7:44
  forget
• 7:44
  about
• 7:44
  them,
• 7:45
  because
• 7:45
  you're
• 7:45
  panicking.
• 7:46
  It
• 7:46
  can
• 7:46
  lead
• 7:46
  to
• 7:47
  penalties
• 7:47
  and
• 7:47
  interest
• 7:48
  and
• 7:48
  just
• 7:49
  completely
• 7:49
  adds
• 7:50
  to
• 7:50
  unnecessary
• 7:52
  anxiety.
• 7:53
  Here's
• 7:53
  a
• 7:53
  fix
• 7:53
  for
• 7:54
  this.
• 7:54
  It's
• 7:54
  real
• 7:54
  simple.
• 7:55
  File
• 7:55
  early
• 7:56
  enough
• 7:56
  to
• 7:56
  think
• 7:56
  clearly.
• 7:57
  When
• 7:57
  you
• 7:58
  file
• 7:58
  early,
• 7:58
  increase
• 7:58
  that
• 7:59
  margin,
• 8:00
  and
• 8:00
  that
• 8:00
  margin
• 8:01
  creates
• 8:01
  calm.
• 8:02
  Here's
• 8:02
  mistake
• 8:03
  number
• 8:03
  three.
• 8:04
  Entering
• 8:04
  your
• 8:04
  information
• 8:05
  incorrectly.
• 8:06
  Now,
• 8:06
  this
• 8:06
  again,
• 8:07
  usually
• 8:07
  comes
• 8:07
  from
• 8:08
  rushing
• 8:08
  a
• 8:09
  mistyped
• 8:09
  number.
• 8:10
  A
• 8:10
  wrong
• 8:11
  digit.
• 8:11
  You'd
• 8:11
  be
• 8:11
  shocked
• 8:12
  how
• 8:12
  many
• 8:12
  people
• 8:12
  I
• 8:12
  know
• 8:13
  that
• 8:13
  spell
• 8:13
  their
• 8:13
  name
• 8:13
  wrong
• 8:14
  on
• 8:14
  their
• 8:14
  tax
• 8:14
  return
• 8:14
  or
• 8:15
  they
• 8:15
  put
• 8:15
  their
• 8:15
  Social
• 8:15
  Security
• 8:16
  number
• 8:16
  on.
• 8:17
  And
• 8:17
  then
• 8:17
  what
• 8:17
  happens
• 8:18
  is
• 8:18
  the
• 8:18
  forms
• 8:18
  don't
• 8:19
  match
• 8:19
  up.
• 8:19
  Those
• 8:20
  small
• 8:20
  errors
• 8:21
  can
• 8:21
  trigger
• 8:21
  delays
• 8:22
  or
• 8:22
  even
• 8:22
  those
• 8:23
  shredded
• 8:23
  notices.
• 8:24
  So
• 8:24
  here's
• 8:24
  the
• 8:24
  fix
• 8:25
  for
• 8:25
  this.
• 8:26
  Just
• 8:26
  slow
• 8:26
  down.
• 8:27
  Compare
• 8:28
  entries
• 8:28
  to
• 8:28
  the
• 8:28
  original
• 8:29
  forms,
• 8:29
  review
• 8:30
  it
• 8:30
  and
• 8:30
  then
• 8:30
  review
• 8:31
  it
• 8:31
  again.
• 8:32
  That
• 8:32
  accuracy
• 8:33
  protects
• 8:34
  your
• 8:34
  time.
• 8:34
  Here's
• 8:35
  mistake
• 8:35
  number
• 8:36
  four.
• 8:36
  Forgetting
• 8:37
  deductions
• 8:37
  or
• 8:38
  credits.
• 8:38
  And
• 8:39
  this
• 8:39
  one
• 8:39
  costs
• 8:39
  people
• 8:40
  real
• 8:40
  money.
• 8:41
  Credits
• 8:42
  or
• 8:42
  deductions
• 8:42
  can
• 8:42
  be
• 8:43
  tied
• 8:43
  to
• 8:43
  education,
• 8:44
  your
• 8:44
  children,
• 8:45
  maybe
• 8:46
  charitable
• 8:46
  giving,
• 8:47
  some
• 8:47
  health
• 8:47
  expenses,
• 8:48
  or
• 8:48
  maybe
• 8:49
  business
• 8:49
  activity.
• 8:50
  And
• 8:50
  oftentimes
• 8:51
  they
• 8:51
  get
• 8:51
  missed.
• 8:52
  Because
• 8:52
  life
• 8:52
  changed.
• 8:53
  Here's
• 8:53
  one
• 8:54
  question
• 8:54
  you
• 8:54
  can
• 8:54
  ask
• 8:54
  yourself
• 8:55
  before
• 8:55
  you
• 8:55
  sit
• 8:56
  down
• 8:56
  to
• 8:56
  do
• 8:56
  your
• 8:56
  tax
• 8:56
  return.
• 8:57
  What
• 8:57
  changed
• 8:58
  in
• 8:58
  my
• 8:58
  life
• 8:59
  this
• 8:59
  year?
• 9:00
  Did
• 9:00
  you
• 9:00
  have
• 9:00
  a
• 9:00
  new
• 9:00
  job?
• 9:01
  Did
• 9:01
  you
• 9:02
  add
• 9:02
  some
• 9:02
  side
• 9:02
  income?
• 9:03
  Did
• 9:03
  you
• 9:03
  have
• 9:03
  a
• 9:03
  new
• 9:03
  school?
• 9:04
  Did
• 9:04
  your
• 9:04
  family
• 9:04
  changes?
• 9:06
  Those
• 9:06
  life
• 9:06
  changes
• 9:07
  affect
• 9:07
  taxes?
• 9:07
  What?
• 9:08
  A
• 9:08
  lot
• 9:08
  of
• 9:08
  people
• 9:08
  come
• 9:08
  to
• 9:08
  me
• 9:09
  because
• 9:09
  they
• 9:09
  had
• 9:09
  a
• 9:10
  change.
• 9:10
  Those
• 9:11
  life
• 9:11
  changes
• 9:12
  absolutely
• 9:13
  affects
• 9:13
  your
• 9:13
  taxes.
• 9:14
  And
• 9:14
  here's
• 9:15
  mistake
• 9:15
  number
• 9:15
  five,
• 9:16
  not
• 9:16
  planning
• 9:17
  for
• 9:17
  next
• 9:17
  year.
• 9:18
  And
• 9:18
  this
• 9:18
  is
• 9:19
  the
• 9:19
  quiet
• 9:19
  mistake.
• 9:20
  See,
• 9:21
  here's
• 9:21
  the
• 9:21
  thing.
• 9:21
  People
• 9:21
  file
• 9:22
  and
• 9:22
  then
• 9:22
  they
• 9:22
  disengage.
• 9:23
  Like,
• 9:23
  oh,
• 9:23
  taxes
• 9:24
  are
• 9:24
  done.
• 9:24
  I
• 9:24
  don't
• 9:24
  have
• 9:24
  to
• 9:25
  think
• 9:25
  about
• 9:25
  this
• 9:25
  again
• 9:25
  till
• 9:26
  next
• 9:26
  April.
• 9:27
  That's
• 9:27
  the
• 9:27
  wrong
• 9:28
  answer.
• 9:29
  Here's
• 9:29
  what
• 9:29
  I
• 9:29
  call
• 9:29
  your
• 9:30
  after
• 9:30
  action
• 9:31
  question.
• 9:31
  What
• 9:32
  would
• 9:32
  make
• 9:32
  this
• 9:32
  easier
• 9:33
  next
• 9:33
  year?
• 9:34
  So
• 9:35
  right
• 9:35
  now,
• 9:35
  as
• 9:35
  you're
• 9:36
  doing
• 9:36
  your
• 9:36
  taxes,
• 9:37
  go
• 9:37
  ahead
• 9:37
  and
• 9:37
  create
• 9:38
  that
• 9:38
  folder
• 9:38
  for
• 9:39
  2027,
• 9:40
  because
• 9:40
  then
• 9:41
  you
• 9:41
  can
• 9:41
  put
• 9:41
  everything
• 9:41
  in
• 9:41
  it.
• 9:42
  Maybe
• 9:42
  you
• 9:42
  need
• 9:42
  to
• 9:42
  adjust
• 9:43
  your
• 9:43
  withholding.
• 9:43
  Maybe
• 9:43
  you
• 9:43
  did
• 9:44
  your
• 9:44
  return.
• 9:44
  You're
• 9:44
  like,
• 9:44
  man,
• 9:44
  I
• 9:45
  owe
• 9:45
  money.
• 9:45
  I
• 9:45
  got
• 9:45
  to
• 9:45
  fix
• 9:46
  this.
• 9:46
  Don't
• 9:46
  wait
• 9:47
  till
• 9:47
  next
• 9:47
  tax
• 9:48
  season.
• 9:48
  Fix
• 9:48
  it
• 9:49
  now.
• 9:49
  If
• 9:49
  you're
• 9:50
  a
• 9:50
  side
• 9:50
  hustle
• 9:50
  or
• 9:51
  you're
• 9:51
  doing
• 9:51
  some
• 9:51
  side
• 9:51
  income,
• 9:52
  start
• 9:52
  tracking
• 9:53
  that
• 9:53
  right
• 9:53
  now.
• 9:54
  Save
• 9:54
  those
• 9:54
  receipts
• 9:55
  as
• 9:55
  you
• 9:55
  go
• 9:55
  get
• 9:55
  that
• 9:55
  envelope.
• 9:56
  Start
• 9:56
  putting
• 9:56
  that
• 9:56
  stuff
• 9:57
  in
• 9:57
  there.
• 9:57
  Your
• 9:58
  future
• 9:58
  you
• 9:58
  is
• 9:59
  going
• 9:59
  to
• 9:59
  be
• 10:00
  grateful
• 10:00
  for
• 10:00
  this.
• 10:01
  Well,
• 10:01
  let's
• 10:02
  move
• 10:02
  to
• 10:02
  our
• 10:02
  Bible
• 10:02
  verse.
• 10:03
  It
• 10:03
  comes
• 10:03
  to
• 10:03
  us
• 10:03
  from
• 10:03
  Proverbs
• 10:04
  19:2.
• 10:05
  It
• 10:05
  says,
• 10:05
  Desire
• 10:06
  without
• 10:06
  knowledge
• 10:07
  is
• 10:07
  not
• 10:07
  good.
• 10:08
  How
• 10:09
  much
• 10:09
  more
• 10:09
  will
• 10:10
  hasty
• 10:10
  feet
• 10:10
  mist
• 10:11
  away?
• 10:11
  Now
• 10:11
  you
• 10:11
  might
• 10:11
  be
• 10:11
  saying,
• 10:12
  ralph,
• 10:12
  this
• 10:12
  one
• 10:12
  is
• 10:12
  totally
• 10:13
  off.
• 10:13
  The
• 10:13
  plantation
• 10:14
  doesn't
• 10:14
  make
• 10:14
  any
• 10:14
  sense.
• 10:15
  Well,
• 10:15
  it
• 10:15
  does
• 10:16
  if
• 10:16
  you
• 10:16
  think
• 10:16
  about
• 10:16
  it,
• 10:17
  friend.
• 10:17
  Russian
• 10:18
  creates
• 10:18
  mistakes.
• 10:20
  But
• 10:20
  that
• 10:20
  wisdom
• 10:21
  invites
• 10:21
  patience.
• 10:22
  Because
• 10:22
  haste
• 10:22
  is
• 10:23
  expensive.
• 10:23
  It's
• 10:24
  expensive
• 10:24
  both
• 10:24
  financially
• 10:25
  and
• 10:25
  emotionally.
• 10:26
  You
• 10:26
  gotta
• 10:26
  have
• 10:26
  this
• 10:26
  cloud
• 10:27
  over
• 10:27
  top
• 10:27
  of
• 10:28
  you,
• 10:28
  and
• 10:28
  patience
• 10:29
  looks
• 10:29
  like
• 10:29
  checklists
• 10:30
  and
• 10:30
  reviews
• 10:30
  and
• 10:31
  making
• 10:31
  sure
• 10:31
  it's
• 10:31
  all
• 10:31
  ready.
• 10:32
  Because
• 10:32
  calm
• 10:32
  is
• 10:33
  a
• 10:33
  strategy.
• 10:34
  It's
• 10:35
  not
• 10:35
  a
• 10:35
  personality
• 10:35
  street.
• 10:36
  You
• 10:36
  don't
• 10:36
  have
• 10:36
  to
• 10:36
  be
• 10:36
  a
• 10:37
  personally
• 10:37
  calm
• 10:38
  person
• 10:38
  to
• 10:39
  have
• 10:39
  a
• 10:39
  strategy.
• 10:40
  And
• 10:40
  that
• 10:40
  wisdom
• 10:41
  invites
• 10:42
  patience.
• 10:42
  So
• 10:42
  here's
• 10:43
  your
• 10:43
  simple
• 10:43
  step
• 10:43
  for
• 10:44
  today.
• 10:44
  I
• 10:44
  want
• 10:44
  you
• 10:45
  to
• 10:45
  make
• 10:45
  a
• 10:45
  tax
• 10:45
  change
• 10:46
  checklist.
• 10:46
  Every
• 10:47
  form
• 10:47
  you
• 10:47
  expect
• 10:47
  to
• 10:48
  receive,
• 10:48
  whether
• 10:48
  that's
• 10:48
  W2
• 10:49
  forms,
• 10:49
  1099
• 10:50
  forms,
• 10:51
  interest
• 10:51
  statements,
• 10:52
  everything
• 10:52
  tied
• 10:53
  to
• 10:53
  income.
• 10:53
  All
• 10:53
  you
• 10:53
  got
• 10:53
  to
• 10:54
  do
• 10:54
  is
• 10:54
  go
• 10:54
  get
• 10:54
  your
• 10:54
  tax
• 10:54
  return
• 10:55
  from
• 10:55
  last
• 10:55
  year,
• 10:56
  find
• 10:56
  all
• 10:56
  the
• 10:56
  forms
• 10:57
  and
• 10:57
  start
• 10:57
  making
• 10:57
  a
• 10:57
  list.
• 10:57
  Well,
• 10:57
  I
• 10:58
  had
• 10:58
  a
• 10:58
  W2.
• 10:58
  I
• 10:59
  had
• 10:59
  a
• 10:59
  1099
• 11:00
  make
• 11:00
  that
• 11:01
  list.
• 11:01
  This
• 11:01
  is
• 11:01
  what
• 11:01
  I
• 11:01
  do.
• 11:02
  I'm
• 11:02
  a
• 11:02
  professional.
• 11:02
  I've
• 11:02
  been
• 11:03
  doing
• 11:03
  this
• 11:03
  for
• 11:03
  30
• 11:03
  years.
• 11:03
  This
• 11:04
  is
• 11:04
  what
• 11:04
  we
• 11:04
  do.
• 11:05
  We
• 11:05
  compare
• 11:05
  last
• 11:06
  year
• 11:06
  with
• 11:06
  this
• 11:06
  year.
• 11:07
  Check
• 11:07
  them
• 11:07
  off
• 11:08
  as
• 11:08
  they
• 11:08
  arrive
• 11:09
  because
• 11:09
  that
• 11:10
  one
• 11:10
  habit
• 11:10
  prevents
• 11:11
  more
• 11:11
  mistakes
• 11:11
  than
• 11:11
  almost
• 11:12
  anything
• 11:13
  else
• 11:13
  you
• 11:13
  can
• 11:13
  do.
• 11:14
  Let's
• 11:14
  pray
• 11:14
  together.
• 11:15
  Lord,
• 11:15
  just
• 11:16
  thank
• 11:16
  you
• 11:16
  for
• 11:16
  wisdom
• 11:17
  that
• 11:17
  helps
• 11:17
  us
• 11:17
  avoid
• 11:18
  unnecessary
• 11:19
  mistakes.
• 11:20
  Guide
• 11:20
  us
• 11:20
  diligently
• 11:21
  to
• 11:22
  be
• 11:22
  thorough,
• 11:22
  Lord,
• 11:23
  and
• 11:23
  give
• 11:23
  us
• 11:23
  patience
• 11:23
  to
• 11:24
  slow
• 11:24
  down
• 11:24
  and
• 11:25
  clarity
• 11:25
  as
• 11:25
  we
• 11:26
  prepare.
• 11:26
  Help
• 11:26
  us
• 11:26
  approach
• 11:27
  taxes
• 11:27
  with
• 11:27
  integrity
• 11:28
  and
• 11:29
  confidence.
• 11:30
  And
• 11:30
  we
• 11:30
  ask
• 11:30
  this
• 11:31
  in
• 11:31
  Jesus
• 11:31
  name.
• 11:32
  Amen.
• 11:34
  Friend,
• 11:34
  let
• 11:34
  me
• 11:34
  say
• 11:35
  this
• 11:35
  plainly.
• 11:36
  If
• 11:36
  money's
• 11:36
  been
• 11:37
  weighing
• 11:37
  on
• 11:37
  your
• 11:37
  heart,
• 11:38
  there's
• 11:38
  another
• 11:39
  path
• 11:39
  available
• 11:39
  to
• 11:40
  you.
• 11:40
  I
• 11:40
  wrote
• 11:41
  a
• 11:41
  book.
• 11:41
  It's
• 11:41
  called
• 11:41
  how
• 11:41
  to
• 11:42
  become
• 11:42
  a
• 11:42
  Financially
• 11:43
  Confident
• 11:43
  Christian.
• 11:43
  And
• 11:43
  this
• 11:44
  is
• 11:44
  my
• 11:44
  assembly
• 11:44
  of
• 11:45
  30
• 11:45
  years
• 11:45
  of
• 11:45
  working
• 11:46
  with
• 11:46
  people
• 11:46
  just
• 11:46
  like
• 11:47
  you.
• 11:47
  It's
• 11:48
  all
• 11:48
  about
• 11:48
  peace
• 11:48
  and
• 11:49
  clarity
• 11:49
  and
• 11:50
  rebuilding
• 11:50
  trust
• 11:51
  with
• 11:51
  God
• 11:51
  around
• 11:51
  your
• 11:52
  finances.
• 11:52
  It's
• 11:53
  not
• 11:53
  some
• 11:53
  lecture.
• 11:54
  It's
• 11:54
  an
• 11:54
  invitation
• 11:55
  to
• 11:55
  just
• 11:56
  one
• 11:56
  step
• 11:56
  at
• 11:56
  a
• 11:56
  time.
• 11:57
  And
• 11:57
  you
• 11:57
  can
• 11:57
  find
• 11:58
  the
• 11:58
  book
• 11:59
  at
• 12:00
  financiallyconfidentchristian.com/becoming
• 12:02
  again.
• 12:02
  That's
• 12:02
  financiallyconfidentchristian.com/becoming.
• 12:06
  G
• 12:06
  get
• 12:06
  the
• 12:06
  book
• 12:06
  today,
• 12:07
  friend.
• 12:08
  Mistakes
• 12:08
  don't
• 12:09
  have
• 12:09
  to
• 12:09
  define
• 12:09
  you
• 12:10
  anymore.
• 12:11
  Preparation
• 12:11
  protects
• 12:12
  you.
• 12:13
  And
• 12:13
  with
• 12:13
  the
• 12:13
  right
• 12:13
  habits,
• 12:14
  tax
• 12:15
  season
• 12:15
  can
• 12:15
  truly
• 12:16
  feel
• 12:16
  manageable
• 12:17
  and
• 12:17
  even
• 12:18
  feel
• 12:18
  calm
• 12:19
  because
• 12:19
  you're
• 12:20
  learning,
• 12:20
  you're
• 12:20
  growing,
• 12:21
  and
• 12:21
  you're
• 12:21
  doing
• 12:22
  better
• 12:22
  than
• 12:22
  you
• 12:22
  think.
• 12:23
  Now,
• 12:23
  tomorrow
• 12:23
  we're
• 12:24
  going
• 12:24
  to
• 12:24
  simplify
• 12:24
  another
• 12:25
  big
• 12:25
  topic.
• 12:25
  A
• 12:25
  lot
• 12:25
  of
• 12:26
  people
• 12:26
  get
• 12:26
  stuck
• 12:26
  on
• 12:26
  this,
• 12:27
  and
• 12:27
  that
• 12:27
  is
• 12:27
  the
• 12:27
  question
• 12:27
  of
• 12:28
  deductions
• 12:28
  versus
• 12:29
  credits.
• 12:29
  What
• 12:30
  do
• 12:30
  they
• 12:30
  really
• 12:30
  mean?
• 12:30
  Well,
• 12:31
  I'm
• 12:31
  going
• 12:31
  to
• 12:31
  break
• 12:31
  it
• 12:31
  down
• 12:32
  and
• 12:32
  make
• 12:32
  it
• 12:32
  simple
• 12:33
  for
• 12:33
  you
• 12:33
  about
• 12:33
  that's
• 12:34
  what
• 12:34
  I'm
• 12:34
  going
• 12:34
  to
• 12:34
  do
• 12:34
  on
• 12:34
  tomorrow's
• 12:35
  show.
• 12:35
  And
• 12:35
  if
• 12:36
  today's
• 12:36
  show
• 12:36
  helped
• 12:37
  you,
• 12:37
  I
• 12:37
  want
• 12:37
  you
• 12:37
  to
• 12:37
  share
• 12:38
  with
• 12:38
  somebody
• 12:38
  who
• 12:39
  tends
• 12:39
  to
• 12:39
  rush
• 12:39
  during
• 12:40
  taxes.
• 12:40
  You
• 12:40
  know
• 12:40
  those
• 12:40
  procrastinators.
• 12:42
  Send
• 12:42
  this
• 12:42
  show
• 12:42
  to
• 12:43
  them
• 12:43
  because
• 12:43
  this
• 12:43
  will
• 12:43
  help
• 12:44
  them.
• 12:44
  Because
• 12:44
  this
• 12:45
  show
• 12:45
  is
• 12:45
  not
• 12:45
  about
• 12:45
  financial
• 12:46
  shame.
• 12:46
  It's
• 12:47
  about
• 12:47
  walking
• 12:47
  in
• 12:48
  wisdom,
• 12:48
  staying
• 12:49
  steady,
• 12:49
  and
• 12:50
  truly
• 12:50
  becoming
• 12:51
  a
• 12:51
  financially
• 12:52
  competent
• 12:52
  Christian.
• 12:53
  So
• 12:53
  God
• 12:53
  bless
• 12:53
  you,
• 12:53
  my
• 12:54
  friend,
• 12:54
  and
• 12:54
  join
• 12:55
  us
• 12:55
  again
• 12:55
  tomorrow
• 12:55
  as
• 12:56
  we
• 12:56
  talk
• 12:56
  more
• 12:56
  taxes,
• 12:57
  deductions
• 12:57
  versus
• 12:58
  credits.
• 12:58
  Have
• 12:59
  a
• 12:59
  great
• 12:59
  day
• 12:59
  today.