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Why Do I Keep Losing Money to Forgotten Subscriptions? · Becoming Financially Confident

• 0:38
  Netflix,
• 0:38
  Spotify,
• 0:39
  fitness
• 0:39
  apps,
• 0:40
  meal
• 0:40
  kits.
• 0:41
  You
• 0:41
  signed
• 0:41
  up
• 0:41
  for
• 0:42
  them
• 0:42
  once,
• 0:42
  you
• 0:42
  barely
• 0:43
  use
• 0:43
  them.
• 0:43
  But
• 0:43
  guess
• 0:43
  what,
• 0:44
  you're
• 0:44
  still
• 0:44
  paying
• 0:44
  for
• 0:44
  them
• 0:45
  and
• 0:45
  they're
• 0:46
  silently
• 0:46
  draining
• 0:47
  your
• 0:47
  bank
• 0:47
  account.
• 0:48
  Well,
• 0:48
  let
• 0:49
  me
• 0:49
  ask
• 0:49
  you
• 0:49
  this.
• 0:49
  What
• 0:49
  if
• 0:50
  a
• 0:50
  quick
• 0:50
  check
• 0:50
  could
• 0:50
  put
• 0:51
  hundreds
• 0:51
  of
• 0:51
  dollars
• 0:52
  back
• 0:52
  in
• 0:52
  your
• 0:52
  budget?
• 0:53
  Well,
• 0:54
  that's
• 0:54
  what
• 0:54
  I'm
• 0:54
  going
• 0:54
  to
• 0:54
  cover
• 0:54
  on
• 0:54
  today's
• 0:55
  show.
• 0:55
  I've
• 0:55
  got
• 0:55
  the
• 0:56
  answers.
• 0:58
  This
• 0:58
  is
• 0:59
  Financially
• 0:59
  Confident
• 1:00
  Christian,
• 1:01
  Your
• 1:01
  daily
• 1:01
  dose
• 1:01
  of
• 1:02
  gospel
• 1:02
  grounded
• 1:02
  insight
• 1:03
  and
• 1:03
  faith
• 1:03
  driven
• 1:04
  tips
• 1:04
  to
• 1:05
  help
• 1:05
  you
• 1:05
  break
• 1:05
  the
• 1:05
  cycle
• 1:06
  of
• 1:06
  financial
• 1:06
  shame
• 1:07
  with
• 1:07
  conf.
• 1:11
  Welcome
• 1:11
  back
• 1:12
  to
• 1:12
  Financially
• 1:12
  Confident
• 1:13
  Christian.
• 1:13
  I'm
• 1:13
  Ralph.
• 1:14
  I
• 1:14
  am
• 1:14
  so
• 1:14
  happy
• 1:14
  that
• 1:14
  you've
• 1:15
  chosen
• 1:15
  to
• 1:15
  join
• 1:15
  me.
• 1:15
  We
• 1:16
  are
• 1:16
  middle
• 1:16
  of
• 1:16
  our
• 1:16
  series
• 1:17
  breaking
• 1:18
  those
• 1:18
  financial
• 1:18
  chains.
• 1:19
  We're
• 1:19
  really
• 1:19
  trying
• 1:20
  to
• 1:20
  get
• 1:20
  past
• 1:20
  those
• 1:21
  financial
• 1:21
  struggles
• 1:22
  that
• 1:22
  so
• 1:22
  many
• 1:22
  of
• 1:22
  us,
• 1:23
  let
• 1:23
  me
• 1:23
  be
• 1:23
  honest,
• 1:23
  deal
• 1:24
  with
• 1:24
  these
• 1:24
  on
• 1:24
  a
• 1:24
  daily
• 1:24
  basis.
• 1:25
  And
• 1:26
  today's
• 1:26
  show
• 1:26
  is
• 1:26
  no
• 1:26
  different
• 1:27
  than
• 1:27
  that.
• 1:27
  Listen,
• 1:27
  if
• 1:27
  you've
• 1:28
  got
• 1:28
  subscriptions,
• 1:28
  I've
• 1:29
  got
• 1:29
  subscription.
• 1:29
  I'm
• 1:30
  going
• 1:30
  to
• 1:30
  tell
• 1:30
  you
• 1:30
  a
• 1:30
  story
• 1:30
  in
• 1:30
  a
• 1:30
  couple
• 1:31
  minutes.
• 1:31
  You're
• 1:31
  never
• 1:31
  going
• 1:32
  to
• 1:32
  believe
• 1:32
  this,
• 1:32
  but
• 1:33
  that's
• 1:33
  what
• 1:33
  we're
• 1:33
  going
• 1:33
  to
• 1:33
  cover
• 1:33
  today.
• 1:34
  Now,
• 1:34
  yesterday,
• 1:34
  if
• 1:34
  you
• 1:34
  missed
• 1:35
  the
• 1:35
  show,
• 1:35
  we,
• 1:35
  we
• 1:35
  talked
• 1:36
  about
• 1:36
  those
• 1:36
  family
• 1:37
  money
• 1:37
  meetings
• 1:37
  and
• 1:38
  we
• 1:38
  talked
• 1:38
  about
• 1:38
  how
• 1:39
  to
• 1:39
  finally
• 1:39
  have
• 1:40
  that
• 1:40
  conversation
• 1:41
  with
• 1:41
  your
• 1:41
  family
• 1:41
  about
• 1:42
  money.
• 1:42
  Or
• 1:42
  maybe
• 1:42
  you
• 1:43
  and
• 1:43
  your
• 1:43
  spouse
• 1:43
  need
• 1:43
  to
• 1:44
  sit
• 1:44
  down
• 1:44
  and
• 1:44
  have
• 1:45
  that
• 1:45
  financial
• 1:45
  discussion.
• 1:46
  If
• 1:46
  you
• 1:46
  missed
• 1:47
  yesterday's
• 1:47
  show,
• 1:47
  I
• 1:47
  encourage
• 1:48
  you
• 1:48
  to
• 1:48
  go
• 1:48
  check
• 1:48
  it
• 1:48
  out.
• 1:48
  You
• 1:48
  can
• 1:49
  find
• 1:49
  all
• 1:49
  of
• 1:49
  our
• 1:49
  shows
• 1:50
  at
• 1:51
  financiallyconfidentchristian.com
• 1:53
  but
• 1:53
  today
• 1:53
  we're
• 1:53
  going
• 1:53
  to
• 1:54
  talk
• 1:54
  about
• 1:54
  those
• 1:54
  sneaky
• 1:55
  budget
• 1:55
  leaks.
• 1:55
  Yes,
• 1:56
  those
• 1:56
  sneaky
• 1:57
  little
• 1:57
  devils,
• 1:57
  aren't
• 1:57
  they
• 1:58
  those
• 1:58
  forgotten
• 1:59
  subscriptions?
• 2:00
  I
• 2:00
  remember.
• 2:00
  I'll
• 2:01
  give
• 2:01
  you
• 2:01
  an
• 2:01
  example.
• 2:01
  That's
• 2:01
  what
• 2:01
  I
• 2:01
  was
• 2:01
  going
• 2:02
  to
• 2:02
  talk
• 2:02
  about.
• 2:02
  I
• 2:02
  couldn't
• 2:02
  believe
• 2:02
  this.
• 2:02
  The
• 2:03
  other
• 2:03
  day
• 2:03
  when
• 2:03
  this
• 2:03
  happened,
• 2:04
  I,
• 2:04
  I
• 2:04
  remember
• 2:04
  signing
• 2:05
  up
• 2:05
  for
• 2:05
  a
• 2:05
  service,
• 2:06
  some
• 2:06
  kind
• 2:06
  of
• 2:07
  iPhone
• 2:07
  service.
• 2:08
  And
• 2:08
  it
• 2:08
  was
• 2:08
  one
• 2:08
  of
• 2:08
  those
• 2:09
  things
• 2:09
  that
• 2:09
  renews
• 2:09
  every
• 2:10
  year.
• 2:10
  And
• 2:11
  I
• 2:11
  remember
• 2:11
  last
• 2:11
  year
• 2:12
  when
• 2:12
  it
• 2:12
  came
• 2:12
  up
• 2:12
  for
• 2:12
  renewal,
• 2:13
  it
• 2:13
  was
• 2:13
  too
• 2:13
  late.
• 2:13
  It
• 2:13
  already
• 2:14
  hit
• 2:14
  me
• 2:14
  again.
• 2:14
  I
• 2:14
  totally
• 2:15
  forgot
• 2:15
  about
• 2:15
  it.
• 2:16
  It's
• 2:16
  been
• 2:16
  hitting
• 2:17
  me
• 2:17
  every
• 2:17
  year,
• 2:18
  year
• 2:18
  after
• 2:18
  year.
• 2:20
  Maybe
• 2:20
  you're
• 2:20
  feeling
• 2:20
  the
• 2:20
  same
• 2:21
  thing.
• 2:21
  Maybe
• 2:21
  you've
• 2:21
  got
• 2:21
  some
• 2:22
  monthly
• 2:22
  subscription,
• 2:22
  you
• 2:22
  just
• 2:23
  keep
• 2:23
  on
• 2:23
  hitting
• 2:23
  on
• 2:24
  auto
• 2:24
  charge.
• 2:24
  Hey,
• 2:24
  these
• 2:25
  people
• 2:25
  love
• 2:25
  these
• 2:25
  things.
• 2:26
  They
• 2:26
  just
• 2:26
  have
• 2:27
  a
• 2:27
  copy
• 2:27
  of
• 2:27
  your
• 2:27
  credit
• 2:28
  card
• 2:28
  or
• 2:28
  your
• 2:28
  bank
• 2:28
  account,
• 2:29
  boom,
• 2:29
  boom,
• 2:29
  boom,
• 2:30
  month
• 2:30
  after
• 2:30
  month.
• 2:31
  And
• 2:31
  they
• 2:32
  might
• 2:32
  be
• 2:32
  small,
• 2:33
  they
• 2:33
  add
• 2:34
  up
• 2:34
  fast.
• 2:35
  I've
• 2:35
  worked
• 2:35
  with
• 2:35
  clients,
• 2:36
  we
• 2:36
  put
• 2:36
  their
• 2:36
  subscription
• 2:37
  together,
• 2:37
  it's
• 2:38
  100
• 2:38
  bucks
• 2:38
  a
• 2:38
  month
• 2:38
  going
• 2:39
  out.
• 2:39
  They
• 2:40
  didn't
• 2:40
  even
• 2:40
  know
• 2:40
  what
• 2:40
  they
• 2:40
  were
• 2:41
  paying
• 2:41
  for.
• 2:41
  They
• 2:41
  don't
• 2:41
  use
• 2:42
  the
• 2:42
  stuff
• 2:42
  at
• 2:42
  all.
• 2:43
  For
• 2:44
  so
• 2:44
  many
• 2:44
  of
• 2:44
  us,
• 2:44
  a
• 2:45
  silent
• 2:45
  budget
• 2:45
  leak,
• 2:46
  it
• 2:46
  leads
• 2:47
  to
• 2:47
  frustration
• 2:48
  and
• 2:48
  it
• 2:48
  leads
• 2:48
  to
• 2:49
  a
• 2:49
  complete
• 2:49
  loss
• 2:49
  of
• 2:49
  control.
• 2:50
  Now
• 2:51
  here's
• 2:51
  the
• 2:51
  truth.
• 2:52
  Subscriptions
• 2:52
  are
• 2:52
  convenient.
• 2:53
  They're
• 2:53
  great.
• 2:53
  We
• 2:53
  don't
• 2:54
  go
• 2:54
  back
• 2:54
  and
• 2:54
  keep
• 2:54
  on
• 2:54
  buying
• 2:55
  stuff.
• 2:56
  But
• 2:56
  for
• 2:56
  so
• 2:57
  many
• 2:57
  of
• 2:57
  us,
• 2:57
  if
• 2:57
  we're
• 2:58
  being
• 2:58
  honest,
• 2:59
  they're
• 2:59
  wasteful.
• 3:00
  They're
• 3:00
  especially
• 3:00
  wasteful
• 3:01
  if
• 3:01
  we
• 3:01
  don't
• 3:01
  manage
• 3:02
  them.
• 3:03
  And
• 3:03
  if
• 3:03
  we're
• 3:03
  going
• 3:03
  to
• 3:03
  be
• 3:04
  good,
• 3:04
  wise
• 3:04
  stewards
• 3:05
  of
• 3:05
  what
• 3:05
  God
• 3:05
  has
• 3:06
  given
• 3:06
  us,
• 3:07
  we've
• 3:07
  got
• 3:07
  to
• 3:08
  even
• 3:08
  check
• 3:08
  the
• 3:08
  small
• 3:08
  stuff.
• 3:09
  We
• 3:09
  got
• 3:09
  to
• 3:09
  measure
• 3:09
  those
• 3:10
  small
• 3:10
  things.
• 3:11
  Let's
• 3:11
  get
• 3:11
  right
• 3:11
  into
• 3:11
  the
• 3:12
  word
• 3:12
  of
• 3:12
  God
• 3:12
  today,
• 3:12
  because
• 3:13
  I
• 3:13
  want
• 3:13
  to
• 3:13
  go
• 3:13
  right
• 3:13
  to
• 3:13
  this.
• 3:14
  Let's
• 3:14
  look
• 3:14
  at
• 3:14
  the
• 3:14
  book
• 3:14
  of
• 3:14
  Luke,
• 3:15
  chapter
• 3:15
  16,
• 3:16
  verse
• 3:17
  10.
• 3:17
  Use
• 3:18
  this
• 3:18
  on
• 3:18
  the
• 3:18
  show
• 3:18
  a
• 3:19
  few
• 3:19
  times,
• 3:19
  but
• 3:19
  it's
• 3:19
  so
• 3:19
  important
• 3:20
  and
• 3:20
  it
• 3:20
  nails
• 3:21
  exactly
• 3:21
  we're
• 3:21
  talking
• 3:22
  about.
• 3:22
  Says
• 3:23
  this
• 3:23
  again,
• 3:23
  Luke
• 3:23
  16:10.
• 3:25
  Whoever
• 3:26
  can
• 3:26
  be
• 3:26
  trusted
• 3:26
  with
• 3:26
  very
• 3:27
  little
• 3:28
  can
• 3:28
  also
• 3:28
  be
• 3:28
  trusted
• 3:29
  with
• 3:29
  much.
• 3:30
  And
• 3:30
  whoever
• 3:31
  is
• 3:31
  dishonest
• 3:31
  with
• 3:32
  very
• 3:32
  little
• 3:33
  will
• 3:33
  also
• 3:33
  be
• 3:34
  dishonest
• 3:34
  with
• 3:35
  much.
• 3:35
  Wow.
• 3:36
  Take
• 3:36
  a
• 3:36
  hammer
• 3:37
  and
• 3:37
  hit
• 3:37
  me
• 3:37
  over
• 3:37
  the
• 3:38
  head
• 3:38
  with
• 3:38
  it.
• 3:38
  Because
• 3:38
  what's
• 3:39
  it
• 3:39
  saying
• 3:39
  here?
• 3:40
  If
• 3:40
  you
• 3:41
  can
• 3:41
  be
• 3:41
  trusted
• 3:41
  with
• 3:41
  just
• 3:42
  a
• 3:42
  little?
• 3:43
  Let's
• 3:43
  put
• 3:43
  little
• 3:44
  in
• 3:44
  terms
• 3:44
  of
• 3:44
  those
• 3:44
  subscriptions.
• 3:45
  $5
• 3:45
  here,
• 3:46
  $7
• 3:46
  or
• 3:46
  $12,
• 3:47
  it
• 3:47
  doesn't
• 3:47
  matter.
• 3:48
  Are
• 3:49
  you
• 3:49
  trustworthy
• 3:50
  with
• 3:50
  that?
• 3:51
  But
• 3:51
  if
• 3:51
  you're
• 3:51
  dishonest
• 3:52
  with
• 3:52
  that,
• 3:52
  if
• 3:52
  you're
• 3:53
  not
• 3:53
  being
• 3:53
  a
• 3:53
  wise
• 3:53
  stewards
• 3:54
  of
• 3:54
  those
• 3:54
  things,
• 3:54
  if
• 3:54
  you're
• 3:54
  not
• 3:55
  using
• 3:55
  them,
• 3:56
  you're
• 3:56
  not
• 3:56
  going
• 3:57
  to
• 3:57
  be
• 3:57
  trusted
• 3:57
  with
• 3:57
  much.
• 3:58
  Let's
• 3:59
  go
• 3:59
  around
• 3:59
  a
• 3:59
  little
• 3:59
  bit
• 3:59
  deeper.
• 4:00
  Let's
• 4:00
  go
• 4:00
  to
• 4:00
  the
• 4:00
  book
• 4:01
  of
• 4:01
  John,
• 4:01
  chapter
• 4:01
  6,
• 4:02
  verse
• 4:02
  12.
• 4:03
  Again,
• 4:03
  this
• 4:03
  is
• 4:03
  John
• 4:04
  6:12.
• 4:05
  When
• 4:05
  they
• 4:06
  all
• 4:06
  had
• 4:06
  had
• 4:06
  enough
• 4:06
  to
• 4:06
  eat,
• 4:08
  he
• 4:08
  said
• 4:08
  to
• 4:08
  his
• 4:09
  disciples,
• 4:09
  gather
• 4:10
  the
• 4:10
  pieces
• 4:10
  that
• 4:10
  are
• 4:10
  left
• 4:11
  over.
• 4:12
  This
• 4:12
  is
• 4:12
  the
• 4:13
  most
• 4:13
  important
• 4:13
  part.
• 4:13
  This
• 4:13
  is
• 4:13
  the
• 4:14
  crucial
• 4:14
  piece
• 4:14
  of
• 4:14
  today's
• 4:15
  show.
• 4:16
  Let
• 4:16
  nothing
• 4:17
  be
• 4:17
  wasted.
• 4:19
  And
• 4:19
  see,
• 4:19
  here's
• 4:19
  the
• 4:19
  thing.
• 4:19
  I'm
• 4:20
  going
• 4:20
  to
• 4:20
  hit
• 4:20
  you
• 4:20
  over
• 4:20
  the
• 4:20
  head
• 4:20
  with
• 4:20
  a
• 4:21
  mallet.
• 4:22
  If
• 4:22
  you're
• 4:22
  not
• 4:23
  using
• 4:23
  subscription,
• 4:24
  if
• 4:24
  you're
• 4:24
  not
• 4:24
  managing
• 4:25
  those,
• 4:26
  you're
• 4:26
  wasting
• 4:27
  God's
• 4:27
  resources.
• 4:28
  And
• 4:28
  I'm
• 4:29
  not
• 4:29
  judging
• 4:29
  you.
• 4:29
  Listen,
• 4:30
  I'm
• 4:30
  right
• 4:30
  there
• 4:30
  with
• 4:30
  you.
• 4:32
  But
• 4:32
  small
• 4:32
  leaks
• 4:33
  matter.
• 4:34
  I've
• 4:34
  worked
• 4:35
  with
• 4:35
  so
• 4:35
  many
• 4:35
  couples,
• 4:36
  so
• 4:36
  many
• 4:36
  individual
• 4:37
  people,
• 4:37
  when
• 4:37
  their
• 4:38
  budget
• 4:38
  and
• 4:38
  they
• 4:38
  see
• 4:39
  small
• 4:39
  leaks,
• 4:41
  they
• 4:41
  just
• 4:41
  lead
• 4:41
  to
• 4:42
  big
• 4:42
  problems
• 4:42
  in
• 4:42
  the
• 4:43
  end
• 4:43
  of
• 4:43
  the
• 4:43
  month.
• 4:43
  Like
• 4:43
  I
• 4:43
  said,
• 4:43
  this
• 4:44
  one
• 4:44
  person,
• 4:44
  $100
• 4:45
  a
• 4:45
  month
• 4:46
  if
• 4:46
  you
• 4:46
  in
• 4:46
  subscriptions.
• 4:46
  And
• 4:47
  the
• 4:47
  worst
• 4:47
  part,
• 4:47
  they
• 4:47
  weren't
• 4:48
  even
• 4:48
  using
• 4:48
  them.
• 4:49
  But
• 4:49
  God
• 4:50
  calls
• 4:50
  us
• 4:50
  to
• 4:50
  diligence.
• 4:52
  God
• 4:52
  calls
• 4:52
  us
• 4:53
  to
• 4:53
  be
• 4:53
  trustworthy
• 4:54
  and
• 4:54
  what
• 4:55
  did
• 4:55
  God
• 4:55
  just
• 4:55
  call
• 4:55
  us
• 4:55
  to
• 4:56
  gather
• 4:56
  up
• 4:56
  all
• 4:57
  the
• 4:57
  scraps,
• 4:57
  avoid
• 4:57
  waste.
• 4:59
  I
• 4:59
  can
• 4:59
  tell
• 4:59
  you
• 4:59
  right
• 5:00
  now.
• 5:00
  I
• 5:00
  remember
• 5:00
  one
• 5:00
  time
• 5:01
  you're
• 5:01
  going
• 5:01
  to
• 5:01
  tell
• 5:01
  this
• 5:01
  is
• 5:01
  a
• 5:01
  crazy
• 5:02
  story.
• 5:03
  I
• 5:03
  was
• 5:03
  working
• 5:03
  in
• 5:04
  this
• 5:04
  place
• 5:04
  out
• 5:04
  of
• 5:05
  town.
• 5:05
  It
• 5:05
  was
• 5:05
  about
• 5:05
  an
• 5:05
  hour
• 5:05
  drive
• 5:06
  up
• 5:06
  and
• 5:06
  an
• 5:06
  hour
• 5:06
  drive
• 5:07
  back.
• 5:07
  The
• 5:07
  kids
• 5:07
  were
• 5:07
  real
• 5:07
  young.
• 5:08
  And
• 5:08
  I
• 5:09
  said,
• 5:09
  you
• 5:09
  know
• 5:09
  what?
• 5:09
  I
• 5:09
  really
• 5:10
  got
• 5:10
  to
• 5:10
  get
• 5:10
  in
• 5:10
  shape.
• 5:10
  So
• 5:11
  I
• 5:11
  said,
• 5:11
  there's
• 5:11
  this
• 5:11
  new
• 5:11
  gym
• 5:12
  that
• 5:12
  just
• 5:12
  opened
• 5:12
  up
• 5:12
  just
• 5:13
  down
• 5:13
  the
• 5:13
  road
• 5:13
  from
• 5:13
  where
• 5:14
  I
• 5:14
  worked.
• 5:14
  I
• 5:14
  thought,
• 5:14
  hey,
• 5:14
  you
• 5:14
  know
• 5:15
  what?
• 5:15
  I.
• 5:15
  Every
• 5:15
  day
• 5:15
  at
• 5:15
  lunch,
• 5:16
  rather
• 5:16
  than
• 5:16
  going
• 5:17
  over
• 5:17
  to
• 5:17
  the
• 5:17
  cafe
• 5:18
  and
• 5:18
  getting
• 5:18
  something
• 5:18
  to
• 5:18
  eat,
• 5:18
  I
• 5:18
  can
• 5:19
  grab
• 5:19
  a
• 5:19
  quick
• 5:19
  bite
• 5:19
  to
• 5:19
  eat.
• 5:20
  I
• 5:20
  can
• 5:20
  brown
• 5:20
  bag
• 5:21
  it.
• 5:21
  I'll
• 5:21
  go
• 5:21
  join
• 5:21
  the
• 5:21
  gym,
• 5:21
  and
• 5:22
  I'll
• 5:22
  go
• 5:22
  to
• 5:22
  the
• 5:22
  gym
• 5:22
  and
• 5:22
  get
• 5:22
  a
• 5:23
  workout
• 5:23
  in.
• 5:23
  I
• 5:24
  was
• 5:24
  all
• 5:24
  excited.
• 5:25
  I
• 5:25
  went
• 5:25
  there,
• 5:26
  to
• 5:26
  the
• 5:26
  gym,
• 5:26
  got
• 5:27
  signed
• 5:27
  up,
• 5:28
  you
• 5:28
  know,
• 5:28
  the
• 5:28
  next
• 5:29
  morning,
• 5:29
  got
• 5:29
  up,
• 5:29
  packed
• 5:30
  my
• 5:30
  gym
• 5:30
  bag.
• 5:31
  Guess
• 5:32
  what?
• 5:32
  Never
• 5:32
  made
• 5:33
  it
• 5:33
  to
• 5:33
  the
• 5:33
  gym
• 5:33
  that
• 5:34
  day.
• 5:34
  And
• 5:34
  if
• 5:35
  I'm
• 5:35
  being
• 5:35
  honest,
• 5:36
  you're
• 5:36
  going
• 5:36
  to
• 5:36
  laugh
• 5:36
  at
• 5:37
  this
• 5:37
  one.
• 5:37
  I
• 5:37
  never
• 5:38
  actually
• 5:38
  stepped
• 5:39
  foot
• 5:39
  in
• 5:39
  that
• 5:39
  gym
• 5:40
  again.
• 5:41
  And
• 5:41
  I
• 5:41
  don't
• 5:41
  know
• 5:41
  what
• 5:42
  time
• 5:42
  of
• 5:42
  year
• 5:42
  was
• 5:42
  it,
• 5:42
  but
• 5:43
  I
• 5:43
  almost
• 5:43
  feel
• 5:43
  like
• 5:43
  it
• 5:43
  was
• 5:44
  the
• 5:44
  beginning
• 5:44
  of
• 5:44
  the
• 5:44
  year.
• 5:44
  You
• 5:45
  know
• 5:45
  what
• 5:45
  I'm
• 5:45
  gonna
• 5:46
  do?
• 5:46
  My
• 5:46
  first
• 5:46
  New
• 5:47
  Year's
• 5:47
  resolution,
• 5:47
  I'm
• 5:48
  gonna
• 5:48
  get
• 5:48
  in
• 5:48
  shape.
• 5:48
  I'm
• 5:48
  gonna
• 5:49
  go
• 5:49
  to
• 5:49
  the
• 5:49
  gym.
• 5:49
  So
• 5:50
  that
• 5:50
  night,
• 5:50
  before
• 5:51
  I
• 5:51
  packed
• 5:51
  my
• 5:51
  bag,
• 5:52
  told
• 5:52
  my
• 5:52
  wife,
• 5:52
  hey,
• 5:52
  I'm
• 5:52
  gonna
• 5:53
  go
• 5:53
  to
• 5:53
  the
• 5:53
  gym
• 5:53
  in
• 5:53
  the
• 5:53
  morning.
• 5:53
  She
• 5:54
  goes,
• 5:54
  that's
• 5:54
  great.
• 5:54
  She
• 5:54
  says
• 5:55
  to
• 5:55
  me
• 5:55
  one
• 5:55
  time,
• 5:55
  she
• 5:55
  goes,
• 5:55
  I
• 5:56
  noticed
• 5:56
  your
• 5:56
  gym
• 5:56
  clothes
• 5:56
  never
• 5:57
  come
• 5:57
  back.
• 5:57
  Do
• 5:57
  you
• 5:57
  ever
• 5:57
  go
• 5:57
  to
• 5:58
  the
• 5:58
  gym?
• 5:58
  I
• 5:58
  haven't
• 5:58
  been
• 5:58
  to
• 5:59
  the
• 5:59
  gym
• 5:59
  one
• 5:59
  time.
• 5:59
  But
• 5:59
  anyway,
• 6:00
  beginning
• 6:00
  of
• 6:00
  the
• 6:00
  year,
• 6:00
  first,
• 6:01
  second,
• 6:01
  third
• 6:01
  day
• 6:01
  of
• 6:02
  the
• 6:02
  year,
• 6:02
  whatever
• 6:02
  it
• 6:02
  was
• 6:02
  after
• 6:03
  the
• 6:03
  holiday,
• 6:03
  go
• 6:04
  pull
• 6:04
  up
• 6:04
  to
• 6:04
  the
• 6:04
  general
• 6:05
  thinking,
• 6:05
  wait
• 6:05
  a
• 6:05
  minute,
• 6:05
  there's
• 6:05
  nobody
• 6:06
  around
• 6:06
  here.
• 6:07
  Well,
• 6:07
  guess
• 6:08
  what?
• 6:08
  The
• 6:08
  gym
• 6:08
  had
• 6:08
  closed.
• 6:09
  Here's
• 6:09
  the
• 6:09
  worst
• 6:10
  part.
• 6:10
  They
• 6:10
  had
• 6:10
  closed,
• 6:10
  like
• 6:11
  30
• 6:11
  days
• 6:11
  before
• 6:11
  that,
• 6:13
  but
• 6:13
  I
• 6:13
  was
• 6:13
  still
• 6:13
  paying.
• 6:14
  They
• 6:15
  were
• 6:15
  in
• 6:15
  some
• 6:15
  kind
• 6:15
  of
• 6:15
  bankruptcy
• 6:16
  thing,
• 6:16
  and
• 6:16
  nobody
• 6:16
  turned
• 6:17
  off
• 6:17
  the
• 6:17
  siphon.
• 6:18
  The
• 6:18
  hose
• 6:18
  was
• 6:19
  still
• 6:19
  feeding
• 6:19
  them
• 6:19
  my
• 6:20
  fees.
• 6:21
  And
• 6:21
  I
• 6:21
  learned
• 6:22
  a
• 6:22
  very
• 6:22
  valuable
• 6:23
  lesson
• 6:23
  there,
• 6:24
  because
• 6:24
  when
• 6:24
  I
• 6:24
  finally
• 6:25
  had
• 6:25
  the
• 6:25
  gumption
• 6:26
  to
• 6:26
  cancel
• 6:26
  that,
• 6:27
  it
• 6:27
  was
• 6:28
  an
• 6:28
  instant
• 6:28
  raise
• 6:28
  in
• 6:29
  my
• 6:29
  budget.
• 6:30
  So
• 6:30
  now
• 6:30
  you
• 6:30
  might
• 6:31
  be
• 6:31
  saying,
• 6:31
  ralph,
• 6:31
  I
• 6:31
  need
• 6:31
  that
• 6:32
  kind
• 6:32
  of
• 6:32
  deal.
• 6:32
  I
• 6:32
  need
• 6:32
  a
• 6:33
  raise
• 6:33
  in
• 6:33
  my
• 6:33
  budget.
• 6:35
  So
• 6:35
  how
• 6:35
  do
• 6:35
  I
• 6:35
  do
• 6:35
  that?
• 6:35
  Well,
• 6:35
  I'm
• 6:36
  going
• 6:36
  to
• 6:36
  talk
• 6:36
  to
• 6:36
  you
• 6:36
  right
• 6:36
  now
• 6:36
  about
• 6:36
  how
• 6:37
  to
• 6:37
  do
• 6:37
  that.
• 6:37
  And
• 6:37
  it
• 6:37
  starts
• 6:38
  by
• 6:38
  understanding
• 6:39
  what
• 6:39
  you're
• 6:39
  spending.
• 6:40
  So
• 6:40
  I'm
• 6:40
  going
• 6:40
  to
• 6:40
  encourage
• 6:41
  you
• 6:41
  right
• 6:41
  now.
• 6:41
  We're
• 6:41
  going
• 6:41
  to
• 6:41
  talk
• 6:42
  about
• 6:42
  the
• 6:42
  Actions
• 6:42
  up
• 6:42
  here
• 6:42
  in
• 6:42
  a
• 6:42
  minute.
• 6:43
  But
• 6:43
  review
• 6:43
  all
• 6:44
  those
• 6:44
  recurring
• 6:44
  charges
• 6:45
  and
• 6:46
  make
• 6:46
  sure
• 6:46
  those
• 6:46
  things
• 6:47
  cancel.
• 6:48
  Cancel
• 6:48
  those
• 6:49
  things
• 6:49
  that
• 6:49
  don't
• 6:49
  align
• 6:49
  with
• 6:50
  your
• 6:50
  values.
• 6:52
  So
• 6:52
  here
• 6:52
  is
• 6:52
  your
• 6:53
  one
• 6:53
  action
• 6:53
  step
• 6:54
  for
• 6:54
  today
• 6:54
  that
• 6:54
  will
• 6:54
  really
• 6:55
  help
• 6:55
  you
• 6:55
  get
• 6:55
  past
• 6:55
  this.
• 6:55
  I
• 6:56
  want
• 6:56
  you
• 6:56
  to
• 6:56
  go
• 6:56
  pull
• 6:57
  your
• 6:57
  bank
• 6:57
  statements.
• 6:58
  Pull
• 6:58
  your
• 6:58
  credit
• 6:58
  card
• 6:59
  statements
• 6:59
  for
• 6:59
  the
• 7:00
  last
• 7:00
  two
• 7:00
  or
• 7:00
  three
• 7:00
  months.
• 7:01
  Just
• 7:01
  pull
• 7:02
  them
• 7:02
  out,
• 7:02
  put
• 7:02
  them
• 7:03
  on
• 7:03
  the
• 7:03
  table
• 7:03
  in
• 7:03
  front
• 7:03
  of
• 7:03
  you
• 7:04
  and
• 7:04
  just
• 7:04
  look
• 7:05
  at
• 7:05
  those.
• 7:06
  Those
• 7:06
  are
• 7:06
  like
• 7:06
  your
• 7:06
  guide.
• 7:07
  Go
• 7:07
  through
• 7:07
  those
• 7:07
  and
• 7:08
  highlight
• 7:09
  all
• 7:09
  those
• 7:09
  subscriptions.
• 7:10
  List
• 7:11
  every
• 7:11
  single
• 7:12
  recurring
• 7:12
  charge
• 7:13
  I'm
• 7:13
  talking
• 7:14
  about.
• 7:14
  Be
• 7:14
  brutally
• 7:15
  honest
• 7:15
  with
• 7:15
  yourself
• 7:15
  and
• 7:15
  do
• 7:16
  it
• 7:16
  for
• 7:16
  three
• 7:16
  months.
• 7:16
  That
• 7:17
  way,
• 7:17
  if
• 7:17
  something's
• 7:17
  not
• 7:17
  quite
• 7:18
  billed
• 7:18
  every
• 7:18
  month,
• 7:18
  you're
• 7:19
  going
• 7:19
  to
• 7:19
  pick
• 7:19
  it
• 7:19
  up.
• 7:20
  Bank
• 7:20
  accounts,
• 7:21
  credit
• 7:21
  card
• 7:22
  accounts,
• 7:22
  if
• 7:22
  you've
• 7:23
  got
• 7:23
  cash,
• 7:23
  apps,
• 7:23
  whatever
• 7:24
  those
• 7:24
  things
• 7:24
  are,
• 7:24
  put
• 7:25
  them
• 7:25
  all
• 7:25
  down,
• 7:25
  Take
• 7:26
  a
• 7:26
  look
• 7:26
  at
• 7:26
  that
• 7:26
  and
• 7:26
  list
• 7:27
  every
• 7:27
  single
• 7:27
  one
• 7:27
  of
• 7:27
  them.
• 7:27
  Highlight
• 7:28
  them,
• 7:28
  whatever
• 7:28
  works
• 7:28
  for
• 7:29
  you.
• 7:29
  And
• 7:30
  then
• 7:30
  ask
• 7:30
  yourself
• 7:31
  this.
• 7:32
  Do
• 7:32
  I
• 7:32
  use
• 7:33
  this?
• 7:34
  You
• 7:34
  think
• 7:34
  about
• 7:34
  my
• 7:35
  example.
• 7:35
  If
• 7:36
  I'd
• 7:36
  have
• 7:36
  done
• 7:36
  that,
• 7:36
  if
• 7:36
  I'd
• 7:37
  have
• 7:37
  been
• 7:37
  honest
• 7:37
  with
• 7:37
  myself,
• 7:37
  do
• 7:38
  I
• 7:38
  use
• 7:38
  this
• 7:38
  gym
• 7:38
  membership?
• 7:39
  No,
• 7:39
  never
• 7:40
  been
• 7:40
  there.
• 7:41
  And
• 7:41
  then
• 7:41
  ask
• 7:42
  yourself
• 7:42
  this
• 7:42
  question,
• 7:43
  would
• 7:43
  I
• 7:43
  sign
• 7:43
  up
• 7:43
  again
• 7:44
  today?
• 7:45
  Here's
• 7:45
  where
• 7:45
  the
• 7:45
  rubber
• 7:45
  meets
• 7:45
  the
• 7:46
  road,
• 7:46
  is
• 7:46
  where
• 7:46
  the
• 7:46
  action
• 7:47
  actually
• 7:47
  does
• 7:47
  something
• 7:47
  beyond
• 7:48
  intention.
• 7:49
  I
• 7:49
  want
• 7:49
  to
• 7:49
  encourage
• 7:50
  you
• 7:50
  to
• 7:50
  cancel
• 7:50
  one
• 7:51
  unused
• 7:51
  subscription
• 7:52
  and
• 7:52
  do
• 7:52
  it
• 7:52
  today,
• 7:53
  because
• 7:54
  that's
• 7:54
  how
• 7:54
  you
• 7:54
  start
• 7:54
  to
• 7:55
  build
• 7:55
  this
• 7:55
  freedom.
• 7:56
  And
• 7:56
  listen,
• 7:56
  maybe
• 7:56
  you
• 7:57
  go
• 7:57
  through
• 7:57
  this
• 7:57
  and
• 7:57
  you're
• 7:57
  like,
• 7:57
  ralph,
• 7:58
  you.
• 7:58
  You
• 7:58
  know,
• 7:58
  some
• 7:58
  of
• 7:59
  these
• 7:59
  things
• 7:59
  I
• 7:59
  do
• 7:59
  kind
• 7:59
  of
• 8:00
  use.
• 8:00
  I
• 8:00
  don't
• 8:00
  know
• 8:01
  if
• 8:01
  they
• 8:01
  still
• 8:01
  have
• 8:01
  valuable.
• 8:01
  Here's
• 8:02
  one
• 8:02
  of
• 8:02
  the
• 8:02
  things
• 8:02
  you
• 8:02
  can
• 8:02
  really
• 8:02
  think
• 8:03
  about
• 8:03
  doing.
• 8:03
  It's
• 8:03
  like
• 8:03
  a
• 8:03
  little
• 8:04
  pro
• 8:04
  tip
• 8:04
  for
• 8:04
  today.
• 8:05
  Call
• 8:05
  them
• 8:05
  and
• 8:06
  tell
• 8:06
  them
• 8:06
  you're
• 8:06
  going
• 8:06
  to
• 8:07
  cancel
• 8:07
  because
• 8:08
  all
• 8:08
  of
• 8:08
  a
• 8:08
  sudden
• 8:08
  they're
• 8:08
  going
• 8:08
  to
• 8:09
  put
• 8:09
  their
• 8:09
  best
• 8:09
  people
• 8:09
  in
• 8:09
  the
• 8:09
  phone
• 8:10
  to
• 8:10
  try
• 8:10
  to
• 8:10
  keep
• 8:10
  it,
• 8:10
  those
• 8:10
  retention
• 8:11
  folks.
• 8:12
  And
• 8:12
  you
• 8:12
  might
• 8:12
  be
• 8:13
  able
• 8:13
  to
• 8:13
  get
• 8:13
  that
• 8:13
  price
• 8:14
  lower.
• 8:14
  I've
• 8:14
  done
• 8:14
  that
• 8:14
  with
• 8:15
  Sirius
• 8:15
  XM
• 8:16
  satellite
• 8:16
  radio
• 8:17
  more
• 8:17
  times
• 8:17
  than
• 8:17
  I
• 8:17
  can
• 8:18
  count.
• 8:18
  I
• 8:18
  would
• 8:18
  say
• 8:18
  to
• 8:18
  them,
• 8:18
  I
• 8:19
  call
• 8:19
  up
• 8:19
  because
• 8:19
  trying
• 8:20
  to
• 8:20
  cancel,
• 8:20
  that
• 8:20
  is
• 8:20
  insane.
• 8:21
  But
• 8:21
  because
• 8:22
  they
• 8:22
  put
• 8:22
  you
• 8:22
  on
• 8:22
  the
• 8:22
  phone
• 8:22
  with
• 8:22
  this
• 8:23
  retention
• 8:23
  person
• 8:24
  and
• 8:24
  you
• 8:24
  got
• 8:24
  a
• 8:24
  ring
• 8:24
  on
• 8:25
  the
• 8:25
  roll.
• 8:25
  Finally
• 8:25
  I
• 8:25
  said
• 8:25
  to
• 8:25
  the
• 8:26
  guy,
• 8:26
  make
• 8:26
  me
• 8:26
  a
• 8:26
  deal.
• 8:27
  And
• 8:28
  this
• 8:28
  is
• 8:28
  a
• 8:28
  crazy
• 8:28
  thing,
• 8:29
  but
• 8:29
  he
• 8:29
  was
• 8:29
  able
• 8:29
  to
• 8:30
  knock
• 8:30
  almost
• 8:30
  75%
• 8:31
  off
• 8:31
  of
• 8:31
  that
• 8:32
  cost.
• 8:32
  So
• 8:32
  you
• 8:32
  might
• 8:33
  be
• 8:33
  in
• 8:33
  that
• 8:33
  same
• 8:33
  position.
• 8:34
  But
• 8:34
  as
• 8:35
  you
• 8:35
  look
• 8:35
  at
• 8:35
  those
• 8:35
  recurring
• 8:36
  charges,
• 8:36
  if
• 8:36
  you're
• 8:36
  not
• 8:36
  going
• 8:37
  to
• 8:37
  use
• 8:37
  it,
• 8:37
  get
• 8:37
  rid
• 8:38
  of
• 8:38
  it.
• 8:38
  But
• 8:38
  if
• 8:39
  still
• 8:39
  a
• 8:39
  chance
• 8:39
  you're
• 8:39
  going
• 8:39
  to
• 8:39
  use
• 8:40
  it,
• 8:40
  negotiate
• 8:41
  it.
• 8:41
  And
• 8:42
  if
• 8:42
  you're
• 8:42
  not
• 8:42
  going
• 8:42
  to
• 8:42
  use
• 8:42
  it.
• 8:42
  Cancel
• 8:43
  it.
• 8:43
  Be
• 8:43
  done
• 8:43
  with
• 8:43
  it.
• 8:43
  How
• 8:44
  about
• 8:44
  we
• 8:44
  pray
• 8:44
  together
• 8:45
  today?
• 8:46
  Lord,
• 8:46
  we
• 8:46
  thank
• 8:46
  you
• 8:47
  for
• 8:47
  provision.
• 8:47
  We
• 8:47
  thank
• 8:48
  you
• 8:48
  for
• 8:48
  all
• 8:48
  the
• 8:48
  things
• 8:48
  you've
• 8:49
  given
• 8:49
  us,
• 8:49
  Lord.
• 8:50
  You've
• 8:50
  provided
• 8:51
  for
• 8:51
  us
• 8:51
  in
• 8:51
  so
• 8:51
  many
• 8:51
  ways,
• 8:52
  Lord.
• 8:52
  And
• 8:52
  we
• 8:52
  got
• 8:52
  to
• 8:52
  confess
• 8:53
  right
• 8:53
  now
• 8:53
  that
• 8:54
  we've
• 8:54
  allowed
• 8:54
  small
• 8:54
  leaks
• 8:55
  to
• 8:55
  go
• 8:55
  unnoticed,
• 8:56
  Lord,
• 8:56
  we've
• 8:56
  those
• 8:57
  subscriptions
• 8:58
  or
• 8:58
  those
• 8:58
  recurring
• 8:59
  charges
• 8:59
  just
• 8:59
  be
• 9:00
  in
• 9:00
  our
• 9:00
  life,
• 9:00
  Lord,
• 9:01
  and
• 9:01
  we
• 9:01
  haven't
• 9:01
  really
• 9:01
  done
• 9:02
  a
• 9:02
  good
• 9:02
  job
• 9:02
  of
• 9:03
  stewarding
• 9:03
  those
• 9:03
  resources.
• 9:04
  So,
• 9:04
  Lord,
• 9:04
  we
• 9:04
  just
• 9:05
  ask
• 9:05
  you
• 9:05
  right
• 9:05
  now
• 9:05
  to
• 9:06
  give
• 9:06
  us
• 9:06
  the
• 9:06
  wisdom
• 9:07
  and
• 9:07
  the
• 9:07
  courage
• 9:07
  honestly
• 9:08
  to
• 9:08
  go
• 9:08
  find
• 9:09
  those
• 9:09
  things
• 9:09
  and
• 9:09
  to
• 9:10
  track
• 9:10
  those
• 9:10
  things,
• 9:10
  Lord,
• 9:11
  and
• 9:11
  to
• 9:11
  follow
• 9:12
  through
• 9:12
  and
• 9:13
  cancel
• 9:13
  those
• 9:13
  things.
• 9:14
  Lord,
• 9:14
  help
• 9:15
  us
• 9:15
  to
• 9:15
  focus
• 9:15
  on
• 9:15
  goals
• 9:16
  that
• 9:16
  honor
• 9:16
  you,
• 9:16
  that
• 9:17
  are
• 9:17
  aligned
• 9:17
  with
• 9:17
  our
• 9:18
  true
• 9:18
  Christian
• 9:19
  values.
• 9:20
  Help
• 9:20
  us
• 9:20
  to
• 9:20
  break
• 9:21
  this
• 9:21
  cycle
• 9:21
  of
• 9:21
  financial
• 9:22
  shame
• 9:22
  and
• 9:23
  do
• 9:23
  it
• 9:23
  with
• 9:23
  confidence.
• 9:24
  And
• 9:24
  we
• 9:24
  ask
• 9:24
  this
• 9:24
  in
• 9:25
  true
• 9:25
  confidence,
• 9:26
  in
• 9:26
  the
• 9:26
  name
• 9:26
  of
• 9:26
  Jesus.
• 9:28
  Amen.
• 9:29
  Subscription
• 9:30
  reviews
• 9:30
  aren't
• 9:30
  glamorous.
• 9:31
  This
• 9:31
  isn't
• 9:31
  glamorous,
• 9:31
  what
• 9:32
  I
• 9:32
  talked
• 9:32
  about
• 9:32
  today.
• 9:33
  It's
• 9:33
  not
• 9:33
  some
• 9:33
  exciting
• 9:34
  thing
• 9:34
  like,
• 9:34
  oh,
• 9:34
  this
• 9:34
  is
• 9:34
  a
• 9:34
  great
• 9:34
  thing,
• 9:35
  Ralph.
• 9:35
  No,
• 9:35
  but
• 9:35
  they
• 9:36
  are
• 9:36
  powerful.
• 9:37
  You
• 9:37
  want
• 9:37
  to
• 9:37
  stop
• 9:38
  those
• 9:38
  small
• 9:38
  leaks,
• 9:38
  those
• 9:39
  little
• 9:39
  drip,
• 9:39
  drip,
• 9:39
  drips.
• 9:40
  This
• 9:40
  is
• 9:40
  where
• 9:40
  you
• 9:41
  can
• 9:41
  do
• 9:41
  it.
• 9:41
  So
• 9:41
  I
• 9:41
  encourage
• 9:41
  you
• 9:41
  to
• 9:42
  do
• 9:42
  it
• 9:42
  today
• 9:42
  because
• 9:43
  you
• 9:43
  might
• 9:43
  just
• 9:43
  give
• 9:44
  yourself
• 9:44
  a
• 9:44
  raise
• 9:44
  and,
• 9:45
  hey,
• 9:45
  who
• 9:45
  doesn't
• 9:45
  want
• 9:46
  a
• 9:46
  raise?
• 9:47
  And
• 9:47
  while
• 9:47
  you're
• 9:47
  thinking
• 9:47
  about
• 9:47
  doing
• 9:48
  something,
• 9:48
  I
• 9:48
  want
• 9:48
  to
• 9:48
  encourage
• 9:48
  you
• 9:49
  to
• 9:49
  do
• 9:49
  something
• 9:49
  for
• 9:49
  me.
• 9:50
  This
• 9:50
  show
• 9:50
  means
• 9:51
  a
• 9:51
  lot
• 9:51
  to
• 9:51
  me.
• 9:51
  This
• 9:51
  is
• 9:52
  my
• 9:52
  heart
• 9:52
  that
• 9:52
  I
• 9:52
  put
• 9:52
  out
• 9:52
  here
• 9:53
  every
• 9:53
  day.
• 9:53
  And
• 9:53
  I
• 9:53
  would
• 9:53
  love
• 9:54
  for
• 9:54
  you
• 9:54
  to
• 9:54
  share
• 9:54
  this
• 9:54
  show
• 9:55
  with
• 9:55
  other
• 9:55
  people
• 9:56
  who
• 9:56
  might
• 9:57
  be
• 9:57
  wondering
• 9:57
  where
• 9:57
  their
• 9:58
  money
• 9:58
  goes
• 9:58
  as
• 9:58
  well.
• 9:58
  You
• 9:58
  might
• 9:59
  have
• 9:59
  somebody
• 9:59
  you're
• 9:59
  thinking
• 9:59
  about
• 10:00
  right
• 10:00
  now.
• 10:00
  They're
• 10:00
  saying,
• 10:00
  Ralph,
• 10:01
  they're
• 10:01
  always
• 10:01
  telling
• 10:01
  me,
• 10:02
  I
• 10:02
  can't
• 10:02
  figure
• 10:02
  out
• 10:02
  where
• 10:02
  my
• 10:02
  money
• 10:03
  goes.
• 10:03
  They're
• 10:03
  always
• 10:03
  hitting
• 10:03
  me
• 10:03
  up
• 10:04
  for
• 10:04
  10
• 10:04
  bucks
• 10:04
  at
• 10:04
  lunch
• 10:05
  or
• 10:05
  something
• 10:05
  like
• 10:05
  that.
• 10:06
  It's
• 10:06
  a
• 10:06
  great
• 10:07
  opportunity
• 10:07
  to
• 10:07
  share
• 10:08
  the
• 10:08
  show
• 10:08
  with
• 10:08
  them.
• 10:08
  You
• 10:08
  can
• 10:08
  send
• 10:09
  them
• 10:09
  right
• 10:09
  to
• 10:09
  our
• 10:10
  website,
• 10:10
  that's
• 10:11
  financiallyconfidentchristian.com
• 10:13
  and
• 10:13
  just
• 10:13
  say
• 10:14
  to
• 10:14
  them,
• 10:14
  hey,
• 10:14
  go
• 10:14
  listen
• 10:14
  to
• 10:15
  Ralph.
• 10:15
  He's
• 10:15
  got
• 10:15
  some
• 10:15
  great
• 10:15
  ideas.
• 10:16
  He
• 10:16
  does
• 10:16
  it
• 10:16
  every
• 10:17
  day.
• 10:17
  It's
• 10:17
  free.
• 10:17
  Not
• 10:18
  a
• 10:18
  lot
• 10:18
  to
• 10:18
  stomach.
• 10:18
  Just
• 10:18
  one
• 10:19
  thing
• 10:19
  at
• 10:19
  a
• 10:19
  time.
• 10:19
  Encourage
• 10:20
  them
• 10:20
  to
• 10:20
  do
• 10:20
  that
• 10:20
  and
• 10:21
  listen
• 10:21
  while
• 10:21
  they're
• 10:21
  there.
• 10:21
  And
• 10:22
  while
• 10:22
  you're
• 10:22
  there,
• 10:22
  you
• 10:23
  can
• 10:23
  actually
• 10:23
  get
• 10:23
  a
• 10:23
  copy
• 10:24
  of
• 10:24
  my
• 10:24
  latest
• 10:24
  book
• 10:25
  absolutely
• 10:25
  free,
• 10:25
  no
• 10:26
  strings
• 10:26
  attached.
• 10:27
  It's
• 10:27
  called
• 10:27
  Becoming
• 10:28
  a
• 10:28
  Financially
• 10:28
  Confident
• 10:29
  Christian.
• 10:29
  I
• 10:29
  want
• 10:29
  to
• 10:29
  give
• 10:29
  you
• 10:29
  a
• 10:30
  free
• 10:30
  download
• 10:30
  of
• 10:30
  that.
• 10:31
  You
• 10:31
  can
• 10:31
  go
• 10:31
  right
• 10:31
  to
• 10:32
  financiallyconfidentchristian.com/becoming
• 10:35
  get
• 10:36
  a
• 10:36
  free
• 10:36
  copy
• 10:36
  of
• 10:36
  the
• 10:36
  book
• 10:37
  again.
• 10:37
  That's
• 10:37
  financially
• 10:38
  confidentchristian.com/becoming
• 10:41
  now,
• 10:41
  tomorrow
• 10:42
  on
• 10:42
  the
• 10:42
  show,
• 10:42
  we're
• 10:42
  going
• 10:43
  to
• 10:43
  talk
• 10:43
  about
• 10:43
  retirement
• 10:44
  planning.
• 10:44
  Specifically,
• 10:45
  we're
• 10:45
  going
• 10:45
  to
• 10:46
  talk
• 10:46
  about
• 10:46
  why
• 10:46
  it
• 10:46
  feels
• 10:47
  so
• 10:47
  overwhelming
• 10:48
  and
• 10:48
  how
• 10:48
  I
• 10:48
  can
• 10:48
  help
• 10:49
  you
• 10:49
  break
• 10:49
  it
• 10:49
  it
• 10:49
  down
• 10:49
  into
• 10:50
  simple
• 10:50
  steps
• 10:51
  so
• 10:51
  that
• 10:51
  you
• 10:51
  actually
• 10:52
  do
• 10:52
  it.
• 10:52
  Because
• 10:52
  that's
• 10:52
  the
• 10:52
  key.
• 10:53
  I
• 10:53
  say
• 10:53
  this
• 10:53
  on
• 10:54
  the
• 10:54
  show
• 10:54
  all
• 10:54
  the
• 10:54
  time.
• 10:54
  Intentions
• 10:55
  are
• 10:55
  great,
• 10:56
  but
• 10:56
  it's
• 10:56
  the
• 10:56
  actions
• 10:57
  that
• 10:57
  matter.
• 10:58
  And
• 10:58
  listen,
• 10:59
  today
• 10:59
  I
• 10:59
  know
• 10:59
  you
• 10:59
  can
• 11:00
  do
• 11:00
  this.
• 11:00
  Go
• 11:00
  do
• 11:00
  that
• 11:01
  one
• 11:01
  subscription.
• 11:01
  Go
• 11:01
  find
• 11:02
  that
• 11:02
  recurring
• 11:02
  charge
• 11:02
  that
• 11:03
  you're
• 11:03
  not
• 11:03
  using.
• 11:03
  Don't
• 11:04
  be
• 11:04
  like
• 11:04
  Ralph
• 11:04
  and
• 11:04
  stay
• 11:04
  connected
• 11:05
  to
• 11:05
  a
• 11:05
  gym
• 11:05
  that
• 11:06
  doesn't
• 11:06
  even
• 11:06
  exist
• 11:06
  anymore.
• 11:07
  Go
• 11:07
  find
• 11:08
  those
• 11:08
  things.
• 11:08
  Plug
• 11:08
  those
• 11:08
  leaks.
• 11:09
  I
• 11:10
  believe
• 11:10
  in
• 11:10
  you.
• 11:10
  Believe
• 11:11
  in
• 11:11
  yourself.
• 11:11
  Now
• 11:12
  go
• 11:12
  live
• 11:12
  as
• 11:12
  a
• 11:12
  financially
• 11:13
  confident
• 11:13
  Christian.
• 11:14
  God
• 11:14
  bless
• 11:15
  you.
• 11:15
  And
• 11:15
  you
• 11:15
  have
• 11:16
  a
• 11:16
  great
• 11:16
  day
• 11:16
  today.