Latest / Becoming Financially Confident / Budget Anxiety? Here’s the Fix.
Transcript
- 1:20When
- 1:20you
- 1:20hear
- 1:20the
- 1:21word
- 1:21budget,
- 1:21what's
- 1:22the
- 1:22first
- 1:22feeling
- 1:22you
- 1:23get?
- 1:23Do
- 1:24you
- 1:24feel
- 1:24pressure?
- 1:25Do
- 1:25you
- 1:25feel
- 1:26restriction?
- 1:27Do
- 1:27you
- 1:27have
- 1:27that
- 1:27fear
- 1:28you're
- 1:28about
- 1:28to
- 1:28lose
- 1:28comfort
- 1:29or
- 1:29your
- 1:29freedom?
- 1:30So
- 1:30many
- 1:31people
- 1:31think
- 1:31a
- 1:31budget
- 1:32is
- 1:32a
- 1:32prison.
- 1:33But,
- 1:33friend,
- 1:34a
- 1:34budget
- 1:34isn't
- 1:34a
- 1:35cage.
- 1:35It's
- 1:36actually
- 1:36a
- 1:36key.
- 1:37Budget
- 1:38doesn't
- 1:38take
- 1:38away
- 1:38freedom.
- 1:39It
- 1:39actually
- 1:39creates
- 1:40it.
- 1:40Let
- 1:41me
- 1:41share
- 1:41the
- 1:41key
- 1:41with
- 1:41you.
- 1:41On
- 1:42today's
- 1:42show,
- 1:52We.
- 2:04Hey,
- 2:04friend.
- 2:04Ralph
- 2:05Estep
- 2:05Jr.
- 2:06Here.
- 2:06I'm
- 2:06the
- 2:07financially
- 2:07confident
- 2:08Christian
- 2:08where
- 2:08we
- 2:09learn
- 2:09how
- 2:09to
- 2:09walk
- 2:09through
- 2:09life
- 2:10and
- 2:10money
- 2:10with
- 2:11wisdom,
- 2:11with
- 2:12peace,
- 2:12and
- 2:12with
- 2:13a
- 2:13heart
- 2:13anchored
- 2:13in
- 2:14God's
- 2:14truth.
- 2:15My
- 2:15mission
- 2:15is
- 2:15simple.
- 2:16To
- 2:16help
- 2:16you
- 2:17break
- 2:17that
- 2:17cycle
- 2:18of
- 2:18financial
- 2:18shame
- 2:19and
- 2:19build
- 2:19steady
- 2:20habits
- 2:20that
- 2:20are
- 2:20rooted
- 2:21in
- 2:21faith
- 2:21and
- 2:22and
- 2:22become
- 2:22the
- 2:22kind
- 2:22of
- 2:22believer
- 2:23who
- 2:23handles
- 2:23money
- 2:24with
- 2:24clarity,
- 2:25with
- 2:25confidence,
- 2:26and
- 2:26with
- 2:26spiritual
- 2:27purpose.
- 2:28Yesterday
- 2:28we
- 2:29ended
- 2:29with
- 2:29a
- 2:29beautiful
- 2:30reminder
- 2:30that
- 2:31the
- 2:31greatest
- 2:31reset
- 2:32of
- 2:32all
- 2:32is
- 2:33found
- 2:33in
- 2:33Christ.
- 2:34A
- 2:35new
- 2:35identity,
- 2:36new
- 2:36strength,
- 2:37and
- 2:37a
- 2:37new
- 2:37beginning.
- 2:38And
- 2:39today
- 2:39we're
- 2:39talking
- 2:39about
- 2:40something
- 2:40that
- 2:40can
- 2:41cause
- 2:41us
- 2:41so
- 2:41many
- 2:41people
- 2:42stress,
- 2:42but
- 2:43doesn't
- 2:43have
- 2:43to.
- 2:44Budgets.
- 2:46Because
- 2:46when
- 2:46you
- 2:46understand
- 2:47what
- 2:47a
- 2:47budget
- 2:47really
- 2:48is,
- 2:49peace
- 2:49actually
- 2:49starts
- 2:50to
- 2:50grow.
- 2:51A
- 2:51listener
- 2:51asked
- 2:51me
- 2:52recently,
- 2:52Ralph,
- 2:53be
- 2:53honest.
- 2:54You're
- 2:54going
- 2:54to
- 2:54love
- 2:54this
- 2:55one.
- 2:55Are
- 2:55budgets
- 2:56just
- 2:56fancy
- 2:56tools
- 2:57to
- 2:57make
- 2:57me
- 2:57feel
- 2:57guilty
- 2:58about
- 2:58spending?
- 3:00Maybe
- 3:00you
- 3:00felt
- 3:01that,
- 3:01too.
- 3:02Maybe
- 3:02you're
- 3:02afraid
- 3:03a
- 3:03budget
- 3:03will
- 3:03shrink
- 3:04your
- 3:04life.
- 3:04Maybe
- 3:05you're
- 3:05afraid
- 3:05of
- 3:05budget
- 3:06will
- 3:06take
- 3:06away
- 3:06your
- 3:06comfort
- 3:07or
- 3:07make
- 3:07you
- 3:08feel
- 3:08restricted
- 3:08or
- 3:09amplify
- 3:09every
- 3:10financial
- 3:10insecurity
- 3:11you've
- 3:11ever
- 3:12experienced.
- 3:13And
- 3:14maybe,
- 3:14deep
- 3:14down,
- 3:15you've
- 3:15avoided
- 3:15budgeting
- 3:16because
- 3:17it
- 3:17feels
- 3:17like
- 3:17you're
- 3:17signing
- 3:18up
- 3:18to
- 3:18be
- 3:18disappointed
- 3:19in
- 3:19yourself.
- 3:21I
- 3:21want
- 3:21you
- 3:21to
- 3:21breathe
- 3:22for
- 3:22a
- 3:22moment.
- 3:23Budgets
- 3:23aren't
- 3:23about
- 3:24punishment.
- 3:25Budgets
- 3:25are
- 3:25actually
- 3:26about
- 3:26peace.
- 3:27Research
- 3:28shows
- 3:28that
- 3:28people
- 3:28who
- 3:29use
- 3:29a
- 3:29simple
- 3:29budget,
- 3:30even
- 3:30a
- 3:31loose
- 3:31one,
- 3:32experience
- 3:32lower
- 3:33stress,
- 3:34greater
- 3:34confidence,
- 3:35and
- 3:35a
- 3:35stronger
- 3:36sense
- 3:36of
- 3:36control
- 3:37over
- 3:37their
- 3:37finances.
- 3:38Not
- 3:39because
- 3:39they
- 3:39spend
- 3:39less,
- 3:40but
- 3:40because
- 3:40they
- 3:41know
- 3:41where
- 3:41their
- 3:41money
- 3:42is
- 3:42going.
- 3:43It's
- 3:43that
- 3:43clarity.
- 3:44And
- 3:44that
- 3:44clarity
- 3:45reduces
- 3:45anxiety.
- 3:46And
- 3:46it
- 3:46does
- 3:47it
- 3:47always.
- 3:48And
- 3:48I've
- 3:49seen
- 3:49it
- 3:49in
- 3:49more
- 3:49than
- 3:49three
- 3:50decades.
- 3:50As
- 3:51an
- 3:51accountant
- 3:51and
- 3:51a
- 3:52coach,
- 3:52I've
- 3:53watched
- 3:53people
- 3:53go
- 3:53from
- 3:53overwhelmed
- 3:54and
- 3:54exhausted
- 3:55to
- 3:56calm
- 3:56and
- 3:56confident.
- 3:57Not
- 3:58because
- 3:58they
- 3:58made
- 3:58more
- 3:59money,
- 3:59but
- 3:59because
- 4:00they
- 4:00finally
- 4:00had
- 4:00a
- 4:01plan
- 4:01that
- 4:01made
- 4:01sense
- 4:02to
- 4:02them.
- 4:03Budgets
- 4:03are
- 4:03never
- 4:04going
- 4:04to
- 4:04change
- 4:04who
- 4:04you
- 4:04are,
- 4:05but
- 4:05they
- 4:06support
- 4:06who
- 4:06you're
- 4:07becoming.
- 4:08A
- 4:08young
- 4:08father
- 4:09in
- 4:09our
- 4:09community.
- 4:09We'll
- 4:09call
- 4:10him
- 4:10Mark.
- 4:10He
- 4:11told
- 4:11me
- 4:11he
- 4:11avoided
- 4:11budgeting
- 4:12for
- 4:12years
- 4:13because
- 4:13it
- 4:13felt
- 4:14like
- 4:14punishment.
- 4:14He
- 4:14said,
- 4:15Ralph,
- 4:15I
- 4:15don't
- 4:16want
- 4:16to
- 4:16live
- 4:16in
- 4:16a
- 4:16world
- 4:16where
- 4:16I
- 4:17keep
- 4:17telling
- 4:17myself
- 4:18no.
- 4:19But
- 4:19one
- 4:19day,
- 4:19he
- 4:20tried
- 4:20something
- 4:20different.
- 4:21He
- 4:21made
- 4:21a
- 4:22simple
- 4:22budget
- 4:22built
- 4:23around
- 4:23what
- 4:23mattered
- 4:24most
- 4:24to
- 4:24him,
- 4:24and
- 4:24that
- 4:25was
- 4:25his
- 4:25family,
- 4:26his
- 4:26faith,
- 4:27and
- 4:27his
- 4:27future.
- 4:28You
- 4:28know,
- 4:29he
- 4:29told
- 4:29me
- 4:29later,
- 4:29he
- 4:29said,
- 4:30Ralph,
- 4:30budgeting
- 4:31didn't
- 4:31limit
- 4:31me,
- 4:31it
- 4:32freed
- 4:32me.
- 4:32I
- 4:33finally
- 4:33understand
- 4:33where
- 4:34my
- 4:34money
- 4:34was
- 4:34going
- 4:35and
- 4:35the
- 4:35why.
- 4:36See,
- 4:36that's
- 4:36the
- 4:37heart
- 4:37of
- 4:37it.
- 4:38So
- 4:38let
- 4:38me
- 4:38ask
- 4:38you
- 4:39this.
- 4:39What
- 4:40if
- 4:40your
- 4:40budget
- 4:40wasn't
- 4:41a
- 4:41restriction,
- 4:42but
- 4:42a
- 4:42roadmap
- 4:43to
- 4:43peace?
- 4:44So
- 4:44let's
- 4:44talk
- 4:45about
- 4:45that
- 4:46number
- 4:46one
- 4:46thing.
- 4:46A
- 4:47budget
- 4:47tells
- 4:47your
- 4:48money
- 4:48where
- 4:48to
- 4:48go.
- 4:49Without
- 4:50a
- 4:50plan,
- 4:50money
- 4:50slips
- 4:51through
- 4:51the
- 4:51cracks.
- 4:52But
- 4:52when
- 4:52you
- 4:53give
- 4:53it
- 4:53direction,
- 4:54you
- 4:54gain
- 4:55control.
- 4:55And
- 4:55that
- 4:56control
- 4:56creates
- 4:57calm,
- 4:57and
- 4:57that
- 4:57control
- 4:58creates
- 4:59confidence.
- 5:00The
- 5:00budget
- 5:01simply
- 5:01says
- 5:01this.
- 5:02This
- 5:02is
- 5:02where
- 5:03God
- 5:03wants
- 5:03my
- 5:03resources
- 5:04to
- 5:04go.
- 5:05And
- 5:06those
- 5:06limits
- 5:06bring
- 5:07peace,
- 5:07never
- 5:07punishment.
- 5:09Limits
- 5:09don't
- 5:10mean
- 5:10the
- 5:10lack.
- 5:11Limits
- 5:12mean
- 5:12clarity.
- 5:13It's
- 5:13kind
- 5:13of
- 5:13like
- 5:13a
- 5:14speed
- 5:14limit.
- 5:15Those
- 5:15speed
- 5:15limits
- 5:16keep
- 5:16drivers
- 5:16safe.
- 5:18A
- 5:18financial
- 5:18limit
- 5:19keeps
- 5:19your
- 5:19heart
- 5:20steady
- 5:20and
- 5:20your
- 5:21future
- 5:21secure.
- 5:22This
- 5:22isn't
- 5:23restriction.
- 5:23It's
- 5:24actually
- 5:24wisdom.
- 5:25And
- 5:25freedom
- 5:26comes
- 5:26from
- 5:26knowing,
- 5:27not
- 5:27guessing.
- 5:29Guessing
- 5:29in
- 5:30my
- 5:30life
- 5:30leads
- 5:31to
- 5:31fear,
- 5:32but
- 5:32knowing
- 5:33ultimately
- 5:34leads
- 5:34to
- 5:34freedom.
- 5:34See,
- 5:35when
- 5:35you
- 5:35know
- 5:35your
- 5:36numbers
- 5:36even
- 5:37loosely,
- 5:38you
- 5:38stop
- 5:38living
- 5:39in
- 5:39uncertainty
- 5:40and
- 5:40you
- 5:40start
- 5:41living
- 5:41with
- 5:41purpose.
- 5:43Budgets
- 5:43turn
- 5:43that
- 5:44chaos
- 5:44all
- 5:44around
- 5:45us
- 5:45into
- 5:45calm.
- 5:47And
- 5:47think
- 5:47of
- 5:47it
- 5:47like
- 5:47this.
- 5:48A
- 5:48budget
- 5:49is
- 5:49a
- 5:49guardrail,
- 5:50not
- 5:50a
- 5:50prison.
- 5:51I
- 5:51hear
- 5:51a
- 5:51lot
- 5:51of
- 5:51people
- 5:51say,
- 5:51oh,
- 5:51Ralph,
- 5:52you
- 5:52want
- 5:52me
- 5:52to
- 5:52budget,
- 5:53dude?
- 5:53Just,
- 5:53like,
- 5:53put
- 5:53me
- 5:54in
- 5:54a
- 5:54prison?
- 5:55No,
- 5:55it's
- 5:55a
- 5:55guardrail.
- 5:56Think
- 5:56about
- 5:56what
- 5:57a
- 5:57guardrail
- 5:57does.
- 5:58Guardrails
- 5:58protect
- 5:59you.
- 5:59They
- 6:00keep
- 6:00you
- 6:00on
- 6:00the
- 6:00road.
- 6:01They
- 6:01keep
- 6:01your
- 6:01future
- 6:02intact.
- 6:03A
- 6:03budget
- 6:04is
- 6:04God's
- 6:04kindness
- 6:05expressed
- 6:06in
- 6:06a
- 6:06practical
- 6:06way.
- 6:07It's
- 6:07not
- 6:07a
- 6:07jail
- 6:08cell.
- 6:08It's
- 6:09a
- 6:09safety
- 6:09rail.
- 6:10Which
- 6:10leads
- 6:11me
- 6:11to
- 6:11Proverbs
- 6:1229:18.
- 6:13Where
- 6:13there
- 6:14is
- 6:14no
- 6:14vision,
- 6:15the
- 6:15people
- 6:15perish.
- 6:17Vision
- 6:17isn't
- 6:18optional.
- 6:19Vision
- 6:19is
- 6:20spiritual.
- 6:20A
- 6:20budget
- 6:21is
- 6:21simply
- 6:21vision
- 6:22in
- 6:22numbers.
- 6:23It's
- 6:23your
- 6:23way
- 6:23of
- 6:23saying,
- 6:24God,
- 6:24I'm
- 6:25stewarding
- 6:25what
- 6:25you've
- 6:26given
- 6:26me
- 6:26with
- 6:26intention
- 6:28and
- 6:28purpose.
- 6:29Lord,
- 6:30we
- 6:30just
- 6:30thank
- 6:30you
- 6:30for
- 6:31the
- 6:31freedom
- 6:31that
- 6:31comes
- 6:31through
- 6:32healthy
- 6:32boundaries.
- 6:33Thank
- 6:34you
- 6:34for
- 6:34the
- 6:34clarity
- 6:34that
- 6:35grows
- 6:35when
- 6:35we
- 6:35plan
- 6:36with
- 6:36wisdom.
- 6:37Help
- 6:37us
- 6:38to
- 6:38see
- 6:38budgets
- 6:38not
- 6:38as
- 6:39burdens,
- 6:39but
- 6:39as
- 6:39blessings.
- 6:41Guide
- 6:41our
- 6:42steps,
- 6:42strengthen
- 6:42our
- 6:43discipline,
- 6:43and
- 6:44fill
- 6:44us
- 6:44with
- 6:44peace
- 6:45as
- 6:45we
- 6:45follow
- 6:46your
- 6:46wisdom
- 6:46in
- 6:46our
- 6:47lives.
- 6:47And
- 6:48we
- 6:48ask
- 6:48this
- 6:48in
- 6:48Jesus
- 6:49name,
- 6:50Amen.
- 6:51Today's
- 6:51step
- 6:52is
- 6:52this.
- 6:52I
- 6:53want
- 6:53you
- 6:53to
- 6:53write
- 6:53your
- 6:54top
- 6:54three
- 6:54reasons
- 6:55for
- 6:56creating
- 6:56a
- 6:56budget
- 6:56this
- 6:57year.
- 6:57I
- 6:57don't
- 6:57want
- 6:57you
- 6:57to
- 6:57get
- 6:57into
- 6:57the
- 6:58numbers,
- 6:58just
- 6:58the
- 6:59why.
- 7:00Your
- 7:00why
- 7:00is
- 7:00going
- 7:01to
- 7:01carry
- 7:01you
- 7:01farther
- 7:01than
- 7:02any
- 7:02spreadsheet
- 7:02ever
- 7:03could.
- 7:04And
- 7:04I
- 7:04love
- 7:04what
- 7:04a
- 7:04member
- 7:05of
- 7:05Community
- 7:05shared
- 7:05recently.
- 7:07I
- 7:07used
- 7:07to
- 7:07be
- 7:07terrified
- 7:08of
- 7:08budgeting,
- 7:09but
- 7:09the
- 7:09support
- 7:09in
- 7:10this
- 7:10group
- 7:10gave
- 7:10me
- 7:10courage.
- 7:11They
- 7:11didn't
- 7:11judge
- 7:12me,
- 7:12they
- 7:12just
- 7:13encouraged
- 7:13me
- 7:13and
- 7:14helped
- 7:14me
- 7:14take
- 7:14one
- 7:14small
- 7:15step
- 7:15at
- 7:15a
- 7:15time.
- 7:17Friend,
- 7:17you
- 7:17don't
- 7:17have
- 7:17to
- 7:18build
- 7:18your
- 7:18budget
- 7:18alone
- 7:19either.
- 7:19Join
- 7:20us
- 7:20for
- 7:20a
- 7:20free
- 7:21a
- 7:21warm
- 7:21and
- 7:22a
- 7:22judgment
- 7:22free
- 7:23place.
- 7:23Go
- 7:23to
- 7:24financiallyconfidentchristian.com
- 7:26join.
- 7:27That's
- 7:28financiallyconfidentchristian.com
- 7:30Join.
- 7:31We
- 7:31walk
- 7:32this
- 7:32road
- 7:32together.
- 7:33Remember
- 7:34this.
- 7:35Budgets
- 7:35aren't
- 7:36punishment,
- 7:37they're
- 7:37actually
- 7:37protection.
- 7:38You're
- 7:38not
- 7:38restricting
- 7:39yourself.
- 7:39You're
- 7:40caring
- 7:40for
- 7:40yourself.
- 7:41You're
- 7:41giving
- 7:42your
- 7:42money
- 7:42direction.
- 7:43You're
- 7:43giving
- 7:43your
- 7:44heart
- 7:44peace
- 7:44and
- 7:45you're
- 7:45giving
- 7:45your
- 7:45future
- 7:46hope.
- 7:46So
- 7:47go
- 7:47out
- 7:47there
- 7:47today
- 7:47and
- 7:48be
- 7:48a
- 7:48financially
- 7:49competent
- 7:49Christian.
- 7:50You
- 7:50can
- 7:50do
- 7:50this.
- 7:51I
- 7:51have
- 7:51confidence
- 7:52in
- 7:52you.
- 7:52Stay
- 7:53financially
- 7:53savvy.
- 7:54God
- 7:54bless
- 7:54you
- 7:54and
- 7:55I'll
- 7:55see
- 7:55you
- 7:55again
- 7:55on
- 7:56tomorrow's
- 7:56show.