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Feeling Scattered Already? · Becoming Financially Confident

• 0:37
  Do
• 0:37
  you
• 0:38
  ever
• 0:38
  start
• 0:38
  January
• 0:38
  feeling
• 0:39
  strong
• 0:39
  only
• 0:40
  to
• 0:40
  find
• 0:40
  yourself
• 0:41
  drifting
• 0:41
  again
• 0:41
  by
• 0:41
  week
• 0:42
  two?
• 0:43
  You
• 0:43
  say
• 0:43
  to
• 0:43
  yourself,
• 0:44
  this
• 0:44
  year
• 0:44
  is
• 0:44
  going
• 0:44
  to
• 0:44
  be
• 0:44
  different.
• 0:45
  But
• 0:46
  the
• 0:46
  momentum
• 0:46
  slips
• 0:46
  almost
• 0:47
  immediately.
• 0:48
  Here's
• 0:48
  what
• 0:48
  I've
• 0:49
  learned,
• 0:49
  friend.
• 0:50
  Change
• 0:50
  really
• 0:50
  arrives
• 0:51
  in
• 0:51
  small,
• 0:51
  intentional
• 0:52
  choices.
• 0:53
  Just
• 0:54
  one
• 0:54
  tiny
• 0:54
  decision
• 0:55
  today
• 0:55
  can
• 0:55
  redirect
• 0:56
  the
• 0:56
  next
• 0:56
  90
• 0:56
  days
• 0:57
  because
• 0:58
  daily
• 0:58
  decisions
• 0:59
  become
• 0:59
  destiny,
• 0:59
  shaping
• 1:00
  habits.
• 1:01
  Let's
• 1:01
  talk
• 1:01
  about
• 1:01
  those
• 1:02
  small,
• 1:02
  intentional
• 1:03
  choices
• 1:03
  on
• 1:04
  today's
• 1:04
  show.
• 1:25
  Hey,
• 1:26
  friend.
• 1:26
  Ralph
• 1:26
  Eastep
• 1:27
  Jr.
• 1:27
  Here.
• 1:27
  Welcome
• 1:28
  to
• 1:28
  Financially
• 1:28
  Confident
• 1:29
  Christian,
• 1:29
  where
• 1:30
  we
• 1:30
  learn
• 1:30
  how
• 1:30
  to
• 1:30
  walk
• 1:30
  through
• 1:31
  life
• 1:31
  and
• 1:31
  walk
• 1:31
  through
• 1:32
  money
• 1:32
  with
• 1:32
  wisdom
• 1:32
  and
• 1:33
  peace,
• 1:33
  with
• 1:34
  a
• 1:34
  heart
• 1:34
  anchored
• 1:34
  in
• 1:35
  God's
• 1:35
  truth.
• 1:36
  My
• 1:36
  mission
• 1:36
  is
• 1:36
  pretty
• 1:37
  simple
• 1:37
  here
• 1:37
  to
• 1:38
  help
• 1:38
  you
• 1:38
  break
• 1:38
  that
• 1:38
  cycle
• 1:39
  of
• 1:39
  financial
• 1:39
  shame,
• 1:40
  build
• 1:40
  steady
• 1:41
  habits
• 1:41
  rooted
• 1:42
  in
• 1:42
  faith,
• 1:42
  and
• 1:42
  become
• 1:43
  the
• 1:43
  kind
• 1:43
  of
• 1:43
  believer
• 1:44
  who
• 1:44
  handles
• 1:44
  money
• 1:44
  with
• 1:45
  clarity,
• 1:45
  with
• 1:46
  confidence,
• 1:47
  and
• 1:47
  with
• 1:47
  spiritual
• 1:48
  purpose.
• 1:48
  If
• 1:48
  you're
• 1:49
  new
• 1:49
  here,
• 1:49
  welcome
• 1:50
  home.
• 1:50
  And
• 1:50
  if
• 1:50
  you're
• 1:51
  returning,
• 1:51
  I'm
• 1:51
  so
• 1:52
  grateful
• 1:52
  you
• 1:52
  came
• 1:52
  back.
• 1:53
  Today
• 1:54
  isn't
• 1:54
  about
• 1:54
  massive
• 1:55
  goals
• 1:55
  or
• 1:55
  big
• 1:56
  dramatic
• 1:56
  changes.
• 1:57
  It's
• 1:58
  about
• 1:58
  something
• 1:58
  far
• 1:59
  more
• 1:59
  powerful.
• 2:00
  Those
• 2:00
  tiny
• 2:01
  choices
• 2:01
  that
• 2:01
  shape
• 2:02
  your
• 2:02
  entire
• 2:02
  year.
• 2:03
  And,
• 2:04
  friend,
• 2:04
  those
• 2:04
  small
• 2:05
  choices
• 2:05
  matter
• 2:06
  so
• 2:06
  much
• 2:06
  more
• 2:06
  than
• 2:07
  you
• 2:07
  think.
• 2:08
  A
• 2:08
  listener
• 2:08
  wrote.
• 2:08
  Ralph,
• 2:09
  every
• 2:09
  year
• 2:09
  I
• 2:10
  start
• 2:10
  strong
• 2:10
  in
• 2:10
  January,
• 2:11
  and
• 2:12
  by
• 2:12
  week
• 2:12
  two,
• 2:13
  I
• 2:13
  find
• 2:13
  myself
• 2:14
  drifting
• 2:14
  again.
• 2:15
  I
• 2:15
  want
• 2:15
  to
• 2:15
  stay
• 2:16
  consistent.
• 2:16
  How
• 2:16
  do
• 2:17
  I
• 2:17
  actually
• 2:17
  live
• 2:17
  intentionally
• 2:18
  day
• 2:18
  to
• 2:19
  day?
• 2:20
  Friend,
• 2:20
  I
• 2:21
  hear
• 2:21
  that.
• 2:22
  And
• 2:22
  you're
• 2:22
  not
• 2:22
  alone
• 2:23
  in
• 2:23
  that.
• 2:24
  I'll
• 2:24
  be
• 2:24
  honest
• 2:25
  with
• 2:25
  you.
• 2:25
  I
• 2:25
  feel
• 2:25
  myself
• 2:25
  in
• 2:26
  that.
• 2:27
  Consistency
• 2:27
  is
• 2:28
  hard,
• 2:28
  but
• 2:29
  it's
• 2:29
  not
• 2:29
  complicated.
• 2:30
  Here's
• 2:30
  the
• 2:31
  real
• 2:31
  tension
• 2:31
  we're
• 2:31
  feeling.
• 2:32
  We
• 2:32
  want
• 2:32
  big
• 2:33
  transformation,
• 2:34
  but
• 2:35
  we
• 2:35
  drift
• 2:36
  because
• 2:36
  we
• 2:36
  never
• 2:36
  build
• 2:37
  the
• 2:37
  small,
• 2:37
  steady
• 2:38
  rhythms
• 2:38
  that
• 2:38
  hold
• 2:38
  us
• 2:39
  in
• 2:39
  place.
• 2:40
  We
• 2:40
  dream
• 2:41
  in
• 2:41
  giant
• 2:41
  leaps,
• 2:42
  but
• 2:42
  we
• 2:42
  live
• 2:42
  in
• 2:42
  daily
• 2:43
  choices.
• 2:44
  The
• 2:45
  good
• 2:45
  news,
• 2:45
  daily
• 2:46
  faithfulness
• 2:46
  creates
• 2:47
  the
• 2:47
  change
• 2:47
  you've
• 2:48
  been
• 2:48
  praying
• 2:48
  for.
• 2:49
  Inhabit
• 2:50
  research
• 2:50
  is
• 2:50
  clear.
• 2:51
  Small,
• 2:51
  repeatable
• 2:52
  actions
• 2:52
  outperform
• 2:53
  big,
• 2:54
  inconsistent
• 2:54
  bursts.
• 2:55
  And
• 2:56
  I
• 2:56
  love
• 2:56
  this
• 2:56
  truth.
• 2:57
  Excellence
• 2:58
  is
• 2:58
  the
• 2:58
  habit
• 2:58
  of
• 2:58
  daily
• 2:59
  decisions.
• 3:00
  Your
• 3:00
  life
• 3:01
  follows
• 3:01
  your
• 3:01
  habits,
• 3:02
  not
• 3:02
  your
• 3:02
  hopes.
• 3:03
  And
• 3:03
  for
• 3:04
  decades
• 3:04
  I've
• 3:04
  watched
• 3:04
  people
• 3:05
  trade
• 3:05
  those
• 3:05
  vague
• 3:06
  January
• 3:06
  hype
• 3:07
  for
• 3:07
  simple
• 3:07
  daily
• 3:08
  rhythms
• 3:08
  that
• 3:09
  actually
• 3:09
  build
• 3:09
  momentum.
• 3:10
  And
• 3:11
  I'll
• 3:11
  tell
• 3:11
  you
• 3:11
  something,
• 3:11
  personally,
• 3:12
  my
• 3:13
  biggest
• 3:13
  breakthroughs
• 3:14
  never
• 3:14
  came
• 3:14
  from
• 3:15
  giant
• 3:15
  leaps.
• 3:16
  They
• 3:16
  came
• 3:16
  from
• 3:17
  those
• 3:17
  tiny,
• 3:17
  boring,
• 3:18
  fateful
• 3:18
  steps
• 3:19
  done
• 3:19
  consistently
• 3:20
  day
• 3:20
  after
• 3:21
  day.
• 3:22
  Small
• 3:23
  is
• 3:23
  spiritual.
• 3:25
  Small
• 3:25
  is
• 3:26
  powerful.
• 3:27
  But
• 3:27
  bigger
• 3:28
  than
• 3:28
  anything
• 3:28
  else,
• 3:29
  small
• 3:29
  is
• 3:29
  sustainable.
• 3:31
  One
• 3:31
  listener
• 3:31
  added,
• 3:32
  just
• 3:32
  two
• 3:32
  habits
• 3:32
  is
• 3:33
  what
• 3:33
  she
• 3:33
  did.
• 3:33
  She
• 3:33
  prayed
• 3:34
  before
• 3:34
  every
• 3:34
  purchase
• 3:35
  and
• 3:35
  she
• 3:36
  logged
• 3:36
  her
• 3:36
  spending
• 3:37
  each
• 3:37
  and
• 3:37
  every
• 3:37
  night.
• 3:38
  No
• 3:38
  21
• 3:39
  day
• 3:39
  challenge,
• 3:39
  no
• 3:40
  massive
• 3:40
  program.
• 3:41
  She
• 3:41
  didn't
• 3:41
  go
• 3:41
  hire
• 3:41
  a
• 3:41
  coach
• 3:42
  and
• 3:42
  pay
• 3:42
  thousands
• 3:43
  of
• 3:43
  dollars
• 3:43
  just
• 3:44
  two
• 3:44
  microhabits.
• 3:46
  And
• 3:46
  listen
• 3:47
  to
• 3:47
  this.
• 3:47
  In
• 3:47
  six
• 3:48
  weeks,
• 3:49
  just
• 3:49
  six
• 3:49
  weeks,
• 3:50
  her
• 3:50
  peace
• 3:50
  increased.
• 3:51
  Her
• 3:52
  spending
• 3:52
  drop
• 3:53
  and
• 3:53
  bigger
• 3:54
  than
• 3:54
  all
• 3:54
  those
• 3:54
  things.
• 3:54
  Her
• 3:55
  confidence
• 3:55
  grew.
• 3:56
  No
• 3:57
  big
• 3:57
  overhaul
• 3:57
  required,
• 3:58
  just
• 3:58
  faithful
• 3:59
  consistency.
• 4:01
  So
• 4:01
  how
• 4:02
  do
• 4:02
  you
• 4:02
  stop
• 4:02
  drifting?
• 4:03
  How
• 4:03
  do
• 4:03
  you
• 4:04
  turn
• 4:04
  those
• 4:04
  daily
• 4:04
  choices
• 4:05
  into
• 4:05
  a
• 4:06
  lifestyle
• 4:06
  of
• 4:06
  intentionality
• 4:07
  and
• 4:07
  peace?
• 4:08
  Let's
• 4:08
  walk
• 4:09
  through
• 4:09
  it
• 4:09
  together.
• 4:10
  First
• 4:10
  thing
• 4:10
  you've
• 4:10
  got
• 4:11
  to
• 4:11
  do,
• 4:11
  you've
• 4:11
  got
• 4:12
  to
• 4:12
  reconnect
• 4:12
  to
• 4:12
  your
• 4:13
  why,
• 4:13
  because
• 4:14
  your
• 4:14
  calling
• 4:14
  is
• 4:15
  greater
• 4:15
  than
• 4:15
  your
• 4:15
  convenience.
• 4:17
  When
• 4:17
  your
• 4:17
  why
• 4:17
  is
• 4:17
  weak,
• 4:18
  the
• 4:18
  habit
• 4:19
  dies.
• 4:19
  Now
• 4:20
  your
• 4:20
  why
• 4:20
  could
• 4:20
  be
• 4:20
  this.
• 4:20
  Maybe,
• 4:21
  say
• 4:21
  your
• 4:21
  why
• 4:21
  is
• 4:22
  peace.
• 4:22
  Maybe
• 4:23
  your
• 4:23
  why
• 4:23
  is
• 4:23
  simply
• 4:24
  this.
• 4:24
  You're
• 4:24
  tired
• 4:24
  of
• 4:25
  waking
• 4:25
  up
• 4:25
  at
• 4:25
  2am
• 4:26
  wondering
• 4:26
  if
• 4:26
  a
• 4:27
  bill
• 4:27
  slipped
• 4:27
  through
• 4:27
  the
• 4:27
  cracks,
• 4:29
  if
• 4:29
  your
• 4:29
  account
• 4:29
  is
• 4:29
  overdrawn,
• 4:30
  or
• 4:30
  if
• 4:30
  you're
• 4:31
  going
• 4:31
  to
• 4:31
  make
• 4:31
  payroll
• 4:32
  this
• 4:32
  month.
• 4:33
  Peace
• 4:34
  becomes
• 4:34
  your
• 4:34
  why.
• 4:35
  Because
• 4:35
  you're
• 4:35
  done
• 4:35
  living
• 4:36
  in
• 4:36
  that
• 4:36
  quiet
• 4:36
  anxiety.
• 4:38
  You
• 4:38
  want
• 4:38
  a
• 4:38
  home
• 4:39
  where
• 4:39
  the
• 4:39
  money
• 4:39
  conversation
• 4:40
  doesn't
• 4:40
  feel
• 4:41
  like
• 4:41
  a
• 4:41
  battlefield.
• 4:43
  Maybe
• 4:43
  your
• 4:43
  why
• 4:44
  is
• 4:44
  freedom.
• 4:45
  Freedom
• 4:45
  from
• 4:45
  debt
• 4:46
  collectors
• 4:46
  calling.
• 4:47
  Freedom
• 4:48
  from
• 4:48
  feeling
• 4:48
  chained
• 4:49
  to
• 4:49
  a
• 4:49
  job
• 4:49
  you
• 4:49
  don't
• 4:50
  love
• 4:50
  anymore.
• 4:51
  Freedom
• 4:51
  from
• 4:51
  that
• 4:51
  monthly
• 4:52
  panic
• 4:52
  when
• 4:52
  the
• 4:52
  rent
• 4:53
  and
• 4:53
  the
• 4:53
  mortgage
• 4:53
  or
• 4:54
  tuition
• 4:54
  hits
• 4:55
  your
• 4:56
  why
• 4:56
  is
• 4:56
  freedom
• 4:57
  because
• 4:57
  you're
• 4:57
  dreaming
• 4:58
  of
• 4:58
  a
• 4:58
  life
• 4:58
  where
• 4:58
  your
• 4:59
  money
• 4:59
  finally
• 4:59
  serves
• 5:00
  you
• 5:00
  instead
• 5:01
  of
• 5:01
  the
• 5:01
  other
• 5:01
  way
• 5:01
  around.
• 5:03
  Maybe
• 5:03
  your
• 5:03
  why
• 5:03
  is
• 5:04
  stewardship.
• 5:05
  Because
• 5:05
  you
• 5:05
  look
• 5:05
  at
• 5:05
  your
• 5:06
  kids
• 5:06
  or
• 5:06
  grandkids
• 5:07
  and
• 5:07
  you
• 5:07
  think,
• 5:07
  I
• 5:08
  want
• 5:08
  to
• 5:08
  handle
• 5:08
  God's
• 5:08
  money
• 5:09
  well
• 5:09
  so
• 5:09
  they
• 5:10
  can
• 5:10
  start
• 5:10
  ahead,
• 5:10
  not
• 5:11
  behind.
• 5:12
  You
• 5:12
  want
• 5:12
  to
• 5:12
  stop
• 5:13
  wasting.
• 5:13
  You
• 5:13
  want
• 5:13
  to
• 5:14
  stop
• 5:14
  scrambling
• 5:14
  and
• 5:15
  start
• 5:15
  managing
• 5:15
  your
• 5:16
  resources
• 5:16
  with
• 5:16
  intention,
• 5:17
  with
• 5:17
  wisdom
• 5:18
  and
• 5:18
  responsibility.
• 5:20
  Maybe
• 5:20
  your
• 5:21
  wise
• 5:21
  generosity
• 5:22
  because
• 5:22
  you're
• 5:22
  tired
• 5:23
  of
• 5:23
  seeing
• 5:23
  a
• 5:24
  need
• 5:24
  at
• 5:24
  church
• 5:24
  and
• 5:24
  thinking,
• 5:25
  I
• 5:25
  wish
• 5:25
  I
• 5:25
  could
• 5:26
  help
• 5:26
  them.
• 5:26
  Maybe
• 5:27
  next
• 5:27
  time
• 5:28
  you
• 5:28
  want
• 5:28
  to
• 5:29
  be
• 5:29
  that
• 5:29
  kind
• 5:29
  of
• 5:29
  person
• 5:30
  who
• 5:30
  doesn't
• 5:30
  hesitate
• 5:31
  to
• 5:31
  bless
• 5:31
  somebody.
• 5:32
  You
• 5:33
  want
• 5:33
  margin
• 5:33
  so
• 5:34
  you
• 5:34
  can
• 5:34
  give
• 5:34
  without
• 5:34
  fear
• 5:35
  and
• 5:35
  live
• 5:35
  with
• 5:35
  open
• 5:36
  hands.
• 5:38
  Maybe
• 5:39
  your
• 5:39
  why
• 5:39
  is
• 5:40
  honoring
• 5:40
  God
• 5:41
  because
• 5:41
  you
• 5:41
  feel
• 5:42
  the
• 5:42
  Holy
• 5:42
  Spirit
• 5:42
  just
• 5:42
  nudging
• 5:43
  you
• 5:43
  to
• 5:43
  live
• 5:43
  differently,
• 5:44
  to
• 5:44
  stop
• 5:45
  surviving
• 5:45
  financially
• 5:46
  and
• 5:46
  to
• 5:47
  start
• 5:47
  stewarding
• 5:47
  your
• 5:48
  finances
• 5:48
  in
• 5:48
  a
• 5:48
  way
• 5:49
  that
• 5:49
  reflects
• 5:49
  his
• 5:49
  trust
• 5:50
  and
• 5:50
  faith
• 5:50
  and
• 5:51
  obedience.
• 5:52
  You
• 5:53
  want
• 5:53
  your
• 5:53
  bank
• 5:53
  account
• 5:53
  to
• 5:54
  be
• 5:54
  a
• 5:54
  place
• 5:54
  of
• 5:54
  worship,
• 5:55
  not
• 5:55
  worry
• 5:55
  anymore.
• 5:56
  You
• 5:56
  want
• 5:57
  God
• 5:57
  to
• 5:57
  say,
• 5:57
  well
• 5:57
  done.
• 5:59
  But
• 5:59
  when
• 5:59
  your
• 5:59
  why
• 6:00
  is
• 6:00
  clear,
• 6:01
  your
• 6:01
  how
• 6:01
  becomes
• 6:02
  simple.
• 6:02
  Which
• 6:03
  leads
• 6:03
  me
• 6:03
  to
• 6:03
  this
• 6:03
  Pick
• 6:04
  one
• 6:04
  daily
• 6:04
  habit
• 6:05
  tied
• 6:05
  to
• 6:05
  your
• 6:05
  why.
• 6:06
  Just
• 6:06
  one
• 6:06
  habit.
• 6:07
  It's
• 6:07
  going
• 6:07
  to
• 6:07
  beat
• 6:08
  five
• 6:08
  hopes.
• 6:08
  We
• 6:08
  can
• 6:08
  have
• 6:09
  a
• 6:09
  lot
• 6:09
  of
• 6:09
  hopes,
• 6:10
  but
• 6:10
  choose
• 6:11
  something
• 6:11
  tiny.
• 6:11
  Maybe
• 6:12
  something
• 6:12
  like
• 6:13
  log
• 6:13
  your
• 6:13
  spending.
• 6:14
  Maybe
• 6:15
  you
• 6:15
  pray
• 6:15
  before
• 6:15
  your
• 6:16
  purchases.
• 6:17
  Maybe
• 6:18
  something
• 6:18
  tiny
• 6:18
  is
• 6:19
  save
• 6:19
  $5
• 6:19
  a
• 6:20
  day.
• 6:21
  Or
• 6:21
  maybe
• 6:21
  just
• 6:22
  review
• 6:22
  your
• 6:22
  categories
• 6:23
  for
• 6:23
  just
• 6:23
  two
• 6:23
  minutes
• 6:23
  a
• 6:24
  day.
• 6:25
  As
• 6:25
  I
• 6:25
  said
• 6:25
  earlier,
• 6:26
  small
• 6:26
  is
• 6:27
  spiritual,
• 6:28
  so
• 6:28
  small
• 6:28
  is
• 6:29
  sustainable,
• 6:29
  and
• 6:30
  small
• 6:30
  over
• 6:31
  time,
• 6:31
  becomes
• 6:32
  strength.
• 6:33
  Here's
• 6:33
  another
• 6:34
  thing
• 6:34
  I'm
• 6:34
  encouraging
• 6:34
  you
• 6:34
  to
• 6:34
  do.
• 6:35
  Stack
• 6:35
  that
• 6:35
  habit
• 6:36
  onto
• 6:36
  an
• 6:36
  existing
• 6:37
  routine
• 6:38
  habit
• 6:39
  stacking,
• 6:39
  as
• 6:39
  we
• 6:39
  call
• 6:39
  it,
• 6:39
  removes
• 6:40
  friction.
• 6:41
  Here's
• 6:41
  some
• 6:41
  ideas.
• 6:42
  Attach
• 6:42
  your
• 6:42
  new
• 6:42
  habit
• 6:43
  to
• 6:43
  your
• 6:43
  morning
• 6:43
  coffee.
• 6:43
  Picture
• 6:44
  this.
• 6:44
  You're
• 6:45
  standing
• 6:45
  in
• 6:45
  the
• 6:45
  kitchen
• 6:46
  waiting
• 6:46
  for
• 6:46
  the
• 6:46
  coffee
• 6:47
  to
• 6:47
  finish
• 6:47
  brewing,
• 6:48
  that
• 6:48
  smell
• 6:49
  rising,
• 6:49
  that
• 6:49
  quiet
• 6:50
  of
• 6:50
  the
• 6:50
  morning
• 6:50
  still
• 6:51
  holding.
• 6:51
  But
• 6:52
  before
• 6:52
  that
• 6:52
  first
• 6:52
  sip,
• 6:53
  you
• 6:53
  open
• 6:53
  up
• 6:53
  your
• 6:53
  banking
• 6:54
  app.
• 6:54
  You
• 6:54
  check
• 6:54
  one
• 6:54
  balance.
• 6:55
  You
• 6:55
  you
• 6:55
  move
• 6:56
  one
• 6:56
  small
• 6:56
  amount.
• 6:56
  Or
• 6:57
  maybe
• 6:57
  a
• 6:57
  prayer.
• 6:58
  Simple
• 6:58
  prayer.
• 6:59
  Lord,
• 6:59
  help
• 7:00
  me
• 7:00
  to
• 7:00
  steward
• 7:00
  today.
• 7:01
  Well,
• 7:02
  because
• 7:02
  a
• 7:02
  habit
• 7:03
  born
• 7:03
  out
• 7:03
  of
• 7:03
  a
• 7:03
  moment
• 7:04
  you
• 7:04
  really
• 7:04
  enjoy
• 7:04
  really
• 7:05
  works.
• 7:05
  Maybe
• 7:05
  for
• 7:06
  you,
• 7:06
  it's
• 7:06
  your
• 7:06
  commute.
• 7:06
  Maybe
• 7:07
  you've
• 7:07
  got
• 7:07
  12
• 7:07
  minutes
• 7:08
  in
• 7:08
  the
• 7:08
  car
• 7:08
  before
• 7:08
  work
• 7:09
  or
• 7:09
  school
• 7:09
  drop
• 7:09
  off
• 7:10
  instead
• 7:11
  of
• 7:11
  aimlessly
• 7:11
  scrolling
• 7:12
  at
• 7:12
  red
• 7:12
  lights
• 7:12
  or
• 7:13
  turning
• 7:13
  on
• 7:13
  talk
• 7:13
  radio
• 7:14
  and
• 7:14
  listen
• 7:14
  to
• 7:14
  stuff
• 7:14
  you
• 7:14
  don't
• 7:15
  want
• 7:15
  to
• 7:15
  hear.
• 7:15
  Use
• 7:15
  that
• 7:16
  drive
• 7:16
  to
• 7:16
  listen
• 7:16
  to
• 7:16
  a
• 7:17
  three
• 7:17
  minute
• 7:17
  devotional
• 7:18
  about
• 7:18
  money
• 7:18
  wisdom,
• 7:19
  or
• 7:20
  to
• 7:20
  mentally
• 7:20
  plan
• 7:21
  your
• 7:21
  spending
• 7:21
  for
• 7:21
  the
• 7:22
  day.
• 7:22
  Or
• 7:22
  simply
• 7:23
  breathe
• 7:24
  and
• 7:24
  ask
• 7:24
  Jesus
• 7:25
  to
• 7:25
  lead
• 7:25
  your
• 7:25
  decisions
• 7:27
  and
• 7:27
  your
• 7:28
  car
• 7:28
  becomes
• 7:28
  a
• 7:28
  moving
• 7:29
  classroom
• 7:29
  for
• 7:29
  growth.
• 7:31
  Maybe
• 7:31
  if
• 7:31
  you
• 7:31
  at
• 7:32
  your
• 7:32
  lunch
• 7:32
  break,
• 7:33
  think
• 7:33
  about
• 7:33
  your
• 7:33
  lunch
• 7:33
  hour
• 7:34
  for
• 7:34
  a
• 7:34
  second.
• 7:34
  You
• 7:34
  got
• 7:34
  your
• 7:35
  sandwich
• 7:35
  or
• 7:35
  chips,
• 7:36
  maybe
• 7:36
  leftovers
• 7:37
  from
• 7:37
  last
• 7:37
  night.
• 7:37
  If
• 7:37
  you're
• 7:38
  lucky,
• 7:38
  you
• 7:38
  can
• 7:39
  use
• 7:39
  those
• 7:39
  first
• 7:39
  two
• 7:40
  minutes
• 7:40
  to
• 7:40
  review
• 7:40
  yesterday's
• 7:41
  spending.
• 7:41
  You
• 7:42
  can
• 7:42
  look
• 7:42
  at
• 7:42
  your
• 7:42
  calendar
• 7:43
  for
• 7:43
  the
• 7:43
  week
• 7:43
  or
• 7:44
  send
• 7:44
  one
• 7:44
  quick
• 7:44
  email
• 7:45
  to
• 7:45
  take
• 7:45
  care
• 7:45
  of
• 7:45
  a
• 7:46
  financial
• 7:46
  task
• 7:46
  you've
• 7:46
  been
• 7:47
  avoiding.
• 7:48
  It's
• 7:48
  amazing
• 7:49
  what
• 7:49
  happens
• 7:49
  when
• 7:50
  you
• 7:50
  give
• 7:50
  small,
• 7:50
  intentional
• 7:51
  moments
• 7:51
  a
• 7:52
  purpose.
• 7:53
  Maybe
• 7:53
  for
• 7:54
  you,
• 7:54
  it's
• 7:54
  your
• 7:54
  evening
• 7:54
  routine.
• 7:55
  Maybe
• 7:55
  your
• 7:55
  evenings
• 7:56
  are
• 7:56
  a
• 7:56
  flurry
• 7:57
  of
• 7:57
  kids
• 7:57
  and
• 7:57
  dishes
• 7:58
  and
• 7:58
  work
• 7:58
  emails
• 7:59
  trying
• 7:59
  to
• 7:59
  wind
• 7:59
  down
• 8:00
  without
• 8:00
  collapsing.
• 8:02
  But
• 8:02
  after
• 8:02
  dinner,
• 8:03
  before
• 8:03
  that
• 8:03
  TV
• 8:03
  turns
• 8:04
  on,
• 8:04
  you
• 8:04
  take
• 8:04
  a
• 8:04
  moment
• 8:04
  to
• 8:05
  just
• 8:05
  log
• 8:05
  your
• 8:05
  spending
• 8:05
  for
• 8:06
  the
• 8:06
  day,
• 8:06
  maybe
• 8:07
  review
• 8:07
  your
• 8:07
  goals
• 8:08
  or
• 8:08
  schedule
• 8:08
  tomorrow's
• 8:09
  money
• 8:09
  tasks.
• 8:10
  It's
• 8:11
  like
• 8:11
  brushing
• 8:11
  your
• 8:12
  financial
• 8:12
  teeth.
• 8:13
  It's
• 8:13
  a
• 8:13
  simple
• 8:13
  rhythm
• 8:14
  that
• 8:14
  keeps
• 8:14
  things
• 8:14
  clean
• 8:15
  and
• 8:15
  healthy.
• 8:16
  Here's
• 8:17
  another
• 8:17
  one
• 8:17
  I'm
• 8:17
  going
• 8:17
  to
• 8:17
  encourage
• 8:17
  you.
• 8:18
  Maybe
• 8:18
  your
• 8:18
  bedtime
• 8:19
  prayer
• 8:19
  time
• 8:20
  before
• 8:20
  the
• 8:20
  lights
• 8:21
  go
• 8:21
  off.
• 8:22
  When
• 8:22
  the
• 8:22
  house
• 8:22
  is
• 8:23
  finally
• 8:23
  quiet,
• 8:23
  you
• 8:24
  whisper
• 8:24
  a
• 8:24
  simple
• 8:24
  prayer.
• 8:25
  Lord,
• 8:25
  thank
• 8:26
  you
• 8:26
  for
• 8:26
  what
• 8:26
  you
• 8:26
  provided
• 8:27
  today.
• 8:28
  Help
• 8:28
  me
• 8:28
  be
• 8:28
  faithful
• 8:29
  tomorrow.
• 8:30
  Jot
• 8:31
  one
• 8:31
  line
• 8:31
  in
• 8:31
  your
• 8:31
  journal
• 8:32
  a
• 8:32
  when
• 8:32
  you
• 8:32
  noticed
• 8:33
  a
• 8:33
  place
• 8:33
  you
• 8:34
  grew
• 8:34
  or
• 8:34
  something
• 8:34
  you
• 8:34
  want
• 8:35
  to
• 8:35
  improve.
• 8:36
  And
• 8:36
  then
• 8:36
  your
• 8:37
  day
• 8:37
  ends
• 8:37
  with
• 8:37
  gratitude,
• 8:38
  clarity
• 8:38
  and
• 8:38
  peace.
• 8:39
  The
• 8:40
  easier
• 8:40
  it
• 8:40
  is
• 8:40
  to
• 8:40
  start,
• 8:41
  the
• 8:41
  more
• 8:41
  likely
• 8:41
  it
• 8:41
  is
• 8:41
  to
• 8:42
  stick.
• 8:42
  And
• 8:42
  finally,
• 8:43
  listen
• 8:43
  to
• 8:43
  me
• 8:44
  measure
• 8:44
  streaks.
• 8:44
  Not
• 8:45
  perfection,
• 8:45
  but
• 8:46
  perfection
• 8:46
  leads
• 8:46
  to
• 8:46
  quitting.
• 8:47
  Streaks
• 8:47
  build
• 8:48
  identity.
• 8:48
  Say
• 8:48
  this
• 8:49
  boldly
• 8:49
  to
• 8:49
  yourself.
• 8:50
  I'm
• 8:50
  somebody
• 8:50
  who
• 8:51
  shows
• 8:51
  up.
• 8:51
  I'm
• 8:52
  someone
• 8:52
  who
• 8:52
  saves.
• 8:53
  I'm
• 8:53
  someone
• 8:53
  who
• 8:53
  prays
• 8:54
  before
• 8:54
  buying.
• 8:55
  Track
• 8:55
  the
• 8:55
  days,
• 8:56
  not
• 8:56
  the
• 8:56
  outcome.
• 8:57
  Because
• 8:57
  momentum
• 8:57
  comes
• 8:58
  from
• 8:58
  consistency,
• 8:59
  not
• 8:59
  intentionally.
• 9:00
  Which
• 9:00
  leads
• 9:01
  us
• 9:01
  to
• 9:01
  our
• 9:01
  Bible
• 9:02
  verse
• 9:02
  Today
• 9:02
  The
• 9:02
  Book
• 9:03
  of
• 9:03
  Colossians,
• 9:03
  chapter
• 9:04
  3,
• 9:04
  verse
• 9:04
  17.
• 9:05
  And
• 9:06
  whatever
• 9:06
  you
• 9:06
  do,
• 9:07
  whether
• 9:07
  in
• 9:07
  word
• 9:08
  or
• 9:08
  deed,
• 9:08
  do
• 9:08
  it
• 9:09
  all
• 9:09
  in
• 9:09
  the
• 9:09
  name
• 9:09
  of
• 9:09
  the
• 9:09
  Lord
• 9:10
  Jesus.
• 9:11
  Even
• 9:11
  tiny
• 9:12
  habits
• 9:12
  become
• 9:12
  acts
• 9:13
  of
• 9:13
  worship
• 9:13
  when
• 9:14
  done
• 9:14
  intentionally
• 9:15
  for
• 9:15
  him.
• 9:15
  How
• 9:16
  about
• 9:16
  we
• 9:16
  pray
• 9:16
  together?
• 9:17
  Lord,
• 9:17
  give
• 9:18
  me
• 9:18
  a
• 9:18
  clear
• 9:18
  why.
• 9:19
  Teach
• 9:19
  me
• 9:19
  to
• 9:19
  be
• 9:20
  faithful
• 9:20
  in
• 9:20
  the
• 9:20
  little
• 9:21
  things.
• 9:21
  Give
• 9:22
  me
• 9:22
  joy
• 9:22
  in
• 9:22
  simple
• 9:23
  everyday
• 9:23
  obedience.
• 9:25
  Strengthen
• 9:25
  my
• 9:25
  consistency
• 9:26
  and
• 9:26
  steady
• 9:27
  my
• 9:27
  steps.
• 9:27
  And
• 9:27
  I
• 9:27
  ask
• 9:28
  this
• 9:28
  in
• 9:28
  Jesus
• 9:29
  name,
• 9:29
  Amen.
• 9:30
  Okay,
• 9:30
  here's
• 9:31
  your
• 9:31
  one
• 9:31
  action
• 9:31
  step
• 9:31
  for
• 9:31
  today.
• 9:32
  I
• 9:32
  want
• 9:32
  you
• 9:32
  to
• 9:32
  just
• 9:33
  pick
• 9:33
  one
• 9:33
  of
• 9:33
  these
• 9:33
  for
• 9:33
  January.
• 9:34
  Maybe
• 9:34
  it's
• 9:35
  track
• 9:35
  your
• 9:35
  spending,
• 9:36
  pray
• 9:36
  before
• 9:36
  purchases,
• 9:37
  save
• 9:38
  $5
• 9:38
  a
• 9:39
  day,
• 9:39
  or
• 9:39
  review
• 9:40
  your
• 9:40
  goals
• 9:40
  for
• 9:40
  just
• 9:40
  two
• 9:41
  minutes.
• 9:42
  Write
• 9:42
  it
• 9:42
  down,
• 9:42
  put
• 9:43
  it
• 9:43
  on
• 9:43
  your
• 9:43
  calendar
• 9:44
  and
• 9:44
  start
• 9:44
  today.
• 9:45
  Because
• 9:45
  small
• 9:46
  faithfulness
• 9:46
  builds
• 9:47
  big
• 9:47
  piece.
• 9:48
  And
• 9:48
  that
• 9:48
  brings
• 9:48
  me
• 9:49
  to
• 9:49
  something
• 9:49
  that
• 9:49
  one
• 9:49
  of
• 9:50
  our
• 9:50
  community
• 9:50
  members
• 9:50
  wrote
• 9:51
  recently.
• 9:51
  Because
• 9:52
  the
• 9:52
  action
• 9:52
  step
• 9:52
  is
• 9:52
  powerful,
• 9:53
  but
• 9:53
  community
• 9:54
  is
• 9:54
  what
• 9:54
  helps
• 9:54
  you
• 9:54
  actually
• 9:55
  follow
• 9:55
  through,
• 9:56
  they
• 9:56
  said.
• 9:57
  Ralph
• 9:57
  I
• 9:57
  joined
• 9:58
  the
• 9:58
  financially
• 9:58
  confident
• 9:59
  Christian
• 9:59
  community
• 9:59
  because
• 10:00
  I
• 10:00
  was
• 10:00
  tired
• 10:00
  of
• 10:00
  trying
• 10:01
  to
• 10:01
  do
• 10:01
  everything
• 10:01
  alone.
• 10:02
  I
• 10:02
  didn't
• 10:03
  need
• 10:03
  another
• 10:03
  course.
• 10:04
  I
• 10:04
  needed
• 10:04
  people
• 10:05
  who
• 10:05
  actually
• 10:05
  cared.
• 10:06
  The
• 10:07
  daily
• 10:07
  habit
• 10:07
  prompts
• 10:08
  keep
• 10:08
  me
• 10:08
  grounded.
• 10:09
  The
• 10:09
  accountability
• 10:09
  is
• 10:10
  gentle,
• 10:10
  never
• 10:10
  pushy.
• 10:11
  And
• 10:12
  on
• 10:12
  the
• 10:12
  days
• 10:12
  I
• 10:12
  feel
• 10:13
  overwhelmed,
• 10:13
  someone
• 10:14
  always
• 10:14
  reaches
• 10:15
  out
• 10:15
  with
• 10:15
  prayer
• 10:15
  or
• 10:16
  encouragement.
• 10:16
  What
• 10:17
  surprised
• 10:17
  me
• 10:17
  the
• 10:17
  most
• 10:18
  is
• 10:18
  that
• 10:18
  the
• 10:18
  community
• 10:18
  is
• 10:19
  completely
• 10:19
  free.
• 10:20
  And
• 10:20
  even
• 10:21
  the
• 10:21
  optional
• 10:21
  ways
• 10:21
  to
• 10:22
  support
• 10:22
  the
• 10:22
  show
• 10:22
  never
• 10:23
  feel
• 10:23
  like
• 10:23
  pressure.
• 10:24
  Just
• 10:24
  an
• 10:24
  opportunity
• 10:25
  to
• 10:25
  help
• 10:26
  something
• 10:26
  that's
• 10:26
  helping
• 10:27
  me.
• 10:27
  For
• 10:28
  the
• 10:28
  first
• 10:28
  time
• 10:28
  in
• 10:29
  years,
• 10:29
  I
• 10:29
  feel
• 10:30
  like
• 10:30
  I'm
• 10:30
  growing
• 10:30
  again.
• 10:31
  I'm
• 10:31
  growing
• 10:31
  spiritually
• 10:32
  and
• 10:33
  financially
• 10:33
  and
• 10:33
  emotionally.
• 10:34
  I
• 10:35
  finally
• 10:35
  found
• 10:35
  a
• 10:35
  place
• 10:36
  where
• 10:36
  I
• 10:36
  don't
• 10:36
  have
• 10:36
  to
• 10:36
  walk
• 10:37
  this
• 10:37
  journey
• 10:37
  alone.
• 10:38
  Friend.
• 10:38
  That's
• 10:39
  the
• 10:39
  heart
• 10:39
  of
• 10:39
  the
• 10:39
  community.
• 10:39
  I'm
• 10:40
  gonna
• 10:40
  encourage
• 10:40
  you
• 10:40
  to
• 10:40
  join
• 10:40
  us
• 10:41
  at
• 10:42
  financiallyconfidentchristian.com/join
• 10:44
  again.
• 10:45
  That's
• 10:45
  financiallyconfidentchristian.com/join
• 10:49
  friend.
• 10:49
  Direction
• 10:50
  beats
• 10:50
  intensity.
• 10:51
  Daily
• 10:52
  faithfulness
• 10:52
  beats
• 10:53
  January
• 10:53
  enthusiasm
• 10:54
  that
• 10:55
  small
• 10:55
  obedience
• 10:56
  compounds
• 10:56
  into
• 10:57
  big
• 10:57
  transformation.
• 10:59
  Let
• 10:59
  today's
• 10:59
  tiny
• 10:59
  choice
• 11:00
  serve
• 11:00
  tomorrow's
• 11:00
  peace.
• 11:01
  Remember,
• 11:01
  you
• 11:02
  can
• 11:02
  do
• 11:02
  this
• 11:02
  because
• 11:03
  God
• 11:03
  is
• 11:03
  with
• 11:03
  you
• 11:03
  in
• 11:04
  the
• 11:04
  small,
• 11:04
  steady
• 11:05
  steps.
• 11:06
  Be
• 11:06
  a
• 11:06
  financially
• 11:07
  confident
• 11:07
  Christian,
• 11:08
  stay
• 11:08
  financially
• 11:09
  savvy,
• 11:09
  God
• 11:09
  bless
• 11:10
  you,
• 11:10
  and
• 11:10
  I'll
• 11:10
  see
• 11:10
  you
• 11:11
  on
• 11:11
  tomorrow's
• 11:11
  show.