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How Do You Handle Advice From People Who Don't Understand What Poverty Costs? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  been
• 0:38
  in
• 0:38
  a
• 0:38
  conversation
• 0:39
  where
• 0:39
  everyone
• 0:39
  else
• 0:40
  made
• 0:40
  normal
• 0:41
  life
• 0:41
  sound
• 0:41
  easy
• 0:42
  and
• 0:43
  you
• 0:43
  just
• 0:43
  sat
• 0:43
  there
• 0:43
  quietly
• 0:44
  because
• 0:44
  you
• 0:44
  knew
• 0:45
  reality
• 0:45
  didn't
• 0:46
  fit
• 0:46
  the
• 0:46
  room?
• 0:47
  They
• 0:47
  talk
• 0:47
  about
• 0:48
  concerts
• 0:48
  and
• 0:49
  hobbies.
• 0:49
  It
• 0:49
  was
• 0:50
  weekend
• 0:50
  plans
• 0:51
  and
• 0:51
  trying
• 0:51
  new
• 0:51
  things.
• 0:53
  And
• 0:53
  you
• 0:53
  start
• 0:53
  doing
• 0:54
  the
• 0:54
  math
• 0:54
  in
• 0:54
  your
• 0:54
  head.
• 0:55
  Gas,
• 0:56
  entry
• 0:57
  fees,
• 0:58
  gear,
• 0:59
  food,
• 1:00
  time,
• 1:01
  energy.
• 1:03
  And
• 1:03
  then
• 1:03
  someone
• 1:04
  says
• 1:04
  you
• 1:04
  should
• 1:04
  just
• 1:05
  get
• 1:05
  a
• 1:05
  hobby.
• 1:06
  As
• 1:06
  if
• 1:07
  you
• 1:07
  struggle
• 1:07
  is
• 1:07
  a
• 1:08
  lack
• 1:08
  of
• 1:08
  imagination
• 1:09
  instead
• 1:10
  of
• 1:10
  the
• 1:10
  cost
• 1:10
  of
• 1:10
  surviving
• 1:11
  hard
• 1:11
  seasons.
• 1:13
  That
• 1:13
  kind
• 1:13
  of
• 1:13
  moment
• 1:13
  can
• 1:14
  hit
• 1:14
  deeper
• 1:14
  than
• 1:14
  people
• 1:15
  realize,
• 1:16
  not
• 1:16
  just
• 1:16
  because
• 1:17
  it's
• 1:17
  awkward,
• 1:18
  but
• 1:18
  because
• 1:18
  it
• 1:18
  can
• 1:18
  make
• 1:19
  you
• 1:19
  wonder
• 1:19
  if
• 1:19
  you
• 1:20
  need
• 1:20
  to
• 1:20
  hide
• 1:20
  your
• 1:20
  financial
• 1:21
  story
• 1:22
  just
• 1:22
  to
• 1:22
  be
• 1:22
  around
• 1:23
  people.
• 1:24
  So
• 1:24
  today's
• 1:24
  question
• 1:25
  is
• 1:25
  how
• 1:25
  do
• 1:26
  you
• 1:26
  respond
• 1:26
  when
• 1:26
  someone
• 1:27
  with
• 1:27
  no
• 1:27
  real
• 1:28
  understanding
• 1:28
  of
• 1:29
  financial
• 1:29
  hardship
• 1:30
  or
• 1:30
  offer
• 1:31
  simple
• 1:31
  advice
• 1:31
  for
• 1:32
  a
• 1:32
  life
• 1:32
  that
• 1:32
  hasn't
• 1:33
  been
• 1:33
  simple
• 1:33
  for
• 1:33
  you?
• 1:34
  That's
• 1:35
  what
• 1:35
  I'm
• 1:35
  going
• 1:35
  to
• 1:35
  break
• 1:35
  down
• 1:35
  on
• 1:36
  today's
• 1:36
  show.
• 1:46
  Hello,
• 1:46
  friend.
• 1:47
  I'm
• 1:47
  Ralph
• 1:47
  Estep
• 1:48
  Jr.
• 1:48
  And
• 1:48
  I
• 1:48
  want
• 1:49
  to
• 1:49
  personally
• 1:49
  welcome
• 1:49
  you
• 1:50
  to
• 1:50
  Financially
• 1:50
  Confident
• 1:51
  Christian.
• 1:52
  This
• 1:52
  is
• 1:52
  the
• 1:52
  show
• 1:52
  where
• 1:52
  we
• 1:53
  break
• 1:53
  that
• 1:53
  cycle
• 1:54
  of
• 1:54
  financial
• 1:54
  shame
• 1:55
  and
• 1:55
  help
• 1:55
  you
• 1:56
  find
• 1:56
  confidence.
• 1:57
  And
• 1:57
  today
• 1:58
  we're
• 1:58
  talking
• 1:58
  about
• 1:58
  something
• 1:59
  that
• 1:59
  isn't
• 1:59
  just
• 2:00
  about
• 2:00
  money.
• 2:01
  Today
• 2:01
  we're
• 2:02
  going
• 2:02
  to
• 2:02
  talk
• 2:02
  about
• 2:02
  shame,
• 2:03
  social
• 2:04
  pressure,
• 2:05
  and
• 2:05
  what
• 2:06
  really
• 2:06
  happens
• 2:06
  when
• 2:06
  financial
• 2:07
  hardship
• 2:08
  quietly
• 2:08
  affects
• 2:09
  the
• 2:09
  way
• 2:09
  you
• 2:09
  relate
• 2:09
  to
• 2:10
  people.
• 2:10
  Because
• 2:11
  you
• 2:11
  can
• 2:11
  be
• 2:11
  doing
• 2:12
  better
• 2:12
  financially
• 2:13
  than
• 2:13
  you
• 2:13
  ever
• 2:14
  were
• 2:14
  before
• 2:15
  and
• 2:15
  still
• 2:16
  feel
• 2:16
  out
• 2:16
  of
• 2:16
  place
• 2:16
  in
• 2:17
  everyday
• 2:17
  conversations.
• 2:18
  Which
• 2:19
  leads
• 2:19
  me
• 2:19
  to
• 2:19
  today's
• 2:20
  listener
• 2:20
  question.
• 2:21
  Listener
• 2:22
  writes
• 2:22
  this
• 2:22
  ralph
• 2:23
  I've
• 2:23
  been
• 2:23
  doing
• 2:24
  well
• 2:24
  after
• 2:24
  a
• 2:24
  long
• 2:25
  time.
• 2:26
  I
• 2:26
  was
• 2:26
  trying
• 2:26
  to
• 2:27
  meet
• 2:27
  people
• 2:27
  and
• 2:27
  make
• 2:28
  friends
• 2:28
  and
• 2:29
  they
• 2:29
  were
• 2:29
  a
• 2:29
  group
• 2:29
  from
• 2:29
  a
• 2:30
  mutual
• 2:30
  friend,
• 2:30
  so
• 2:30
  I
• 2:31
  knew
• 2:31
  they
• 2:31
  weren't
• 2:31
  super
• 2:32
  wealthy
• 2:32
  or
• 2:32
  anything.
• 2:33
  It
• 2:34
  was
• 2:34
  more
• 2:34
  of
• 2:34
  a
• 2:34
  house
• 2:34
  party.
• 2:35
  We
• 2:35
  did
• 2:35
  some
• 2:35
  board
• 2:36
  games,
• 2:36
  that
• 2:36
  kind
• 2:36
  of
• 2:37
  thing.
• 2:37
  The
• 2:38
  conversation
• 2:38
  turned
• 2:39
  to
• 2:39
  hobbies
• 2:39
  and
• 2:39
  other
• 2:40
  things.
• 2:41
  A
• 2:41
  couple
• 2:41
  of
• 2:41
  them
• 2:42
  waited
• 2:42
  behind
• 2:42
  like
• 2:42
  they
• 2:43
  wanted
• 2:43
  to
• 2:43
  talk.
• 2:44
  I
• 2:44
  was
• 2:44
  pretty
• 2:44
  excited
• 2:45
  because
• 2:45
  one
• 2:45
  of
• 2:45
  them
• 2:46
  seemed
• 2:46
  pretty
• 2:46
  chill.
• 2:47
  Instead
• 2:48
  I
• 2:48
  I
• 2:49
  got
• 2:49
  advice
• 2:49
  that
• 2:49
  I
• 2:49
  should
• 2:50
  get
• 2:50
  a
• 2:50
  life
• 2:50
  and
• 2:50
  pick
• 2:50
  up
• 2:51
  a
• 2:51
  hobby.
• 2:52
  One
• 2:52
  of
• 2:52
  them
• 2:52
  said
• 2:52
  this
• 2:53
  after
• 2:53
  I
• 2:53
  didn't
• 2:53
  add
• 2:54
  anything
• 2:54
  when
• 2:54
  we
• 2:55
  were
• 2:55
  talking
• 2:55
  about
• 2:55
  concerts.
• 2:56
  The
• 2:57
  other
• 2:57
  guy
• 2:57
  thought
• 2:57
  I
• 2:57
  was
• 2:58
  lazy
• 2:58
  and
• 2:58
  making
• 2:58
  excuses
• 2:59
  because
• 2:59
  I
• 2:59
  mentioned
• 3:00
  the
• 3:00
  library
• 3:00
  stopped
• 3:01
  giving
• 3:01
  passes
• 3:02
  to
• 3:02
  the
• 3:02
  regional
• 3:03
  park
• 3:03
  near
• 3:03
  me.
• 3:03
  So
• 3:04
  I'm
• 3:04
  out
• 3:04
  of
• 3:04
  options.
• 3:06
  I
• 3:06
  didn't
• 3:06
  want
• 3:07
  to
• 3:07
  dump
• 3:07
  my
• 3:07
  whole
• 3:07
  story
• 3:08
  on
• 3:08
  them,
• 3:08
  but
• 3:09
  I
• 3:09
  tried
• 3:09
  explaining
• 3:10
  it's
• 3:10
  not
• 3:10
  as
• 3:10
  easy
• 3:11
  as
• 3:11
  it
• 3:11
  sounds.
• 3:13
  I
• 3:13
  gave
• 3:13
  up
• 3:13
  after
• 3:13
  a
• 3:14
  couple
• 3:14
  minutes
• 3:14
  when
• 3:14
  I
• 3:14
  realized
• 3:15
  they
• 3:15
  had
• 3:15
  no
• 3:15
  clue
• 3:16
  and
• 3:16
  couldn't
• 3:16
  empathize
• 3:17
  with
• 3:17
  what
• 3:17
  I
• 3:17
  was
• 3:18
  saying.
• 3:19
  The
• 3:19
  only
• 3:19
  saving
• 3:20
  grace
• 3:20
  is
• 3:20
  they
• 3:20
  weren't
• 3:21
  mean
• 3:21
  or
• 3:21
  jerks.
• 3:22
  They
• 3:22
  generally
• 3:23
  never
• 3:23
  had
• 3:23
  to
• 3:23
  go
• 3:24
  through
• 3:24
  Rough
• 3:24
  times.
• 3:26
  So,
• 3:26
  Ralph,
• 3:26
  how
• 3:26
  do
• 3:27
  I
• 3:27
  handle
• 3:27
  this?
• 3:28
  Do
• 3:28
  I
• 3:28
  just
• 3:29
  keep
• 3:29
  quiet
• 3:29
  about
• 3:29
  my
• 3:30
  finances?
• 3:31
  Do
• 3:31
  I
• 3:31
  explain
• 3:32
  myself?
• 3:33
  And
• 3:33
  how
• 3:33
  do
• 3:34
  I
• 3:34
  not
• 3:34
  feel
• 3:34
  broken
• 3:35
  when
• 3:35
  someone
• 3:35
  who
• 3:36
  has
• 3:36
  no
• 3:36
  idea
• 3:37
  what
• 3:37
  poverty
• 3:38
  costs
• 3:39
  tells
• 3:39
  me
• 3:39
  to
• 3:39
  just
• 3:39
  pick
• 3:40
  up
• 3:40
  a
• 3:40
  hobby?
• 3:42
  And
• 3:42
  I
• 3:42
  just
• 3:42
  want
• 3:42
  to
• 3:43
  tell
• 3:43
  you,
• 3:43
  that
• 3:43
  question
• 3:43
  today.
• 3:45
  It
• 3:45
  actually
• 3:45
  kind
• 3:45
  of
• 3:45
  made
• 3:46
  me
• 3:46
  sad
• 3:47
  because
• 3:47
  I
• 3:48
  thought
• 3:48
  about
• 3:48
  how
• 3:48
  we
• 3:49
  just
• 3:49
  judge
• 3:50
  people
• 3:51
  and
• 3:51
  we
• 3:51
  don't
• 3:51
  have
• 3:52
  any
• 3:52
  clue
• 3:52
  what
• 3:52
  they've
• 3:53
  been
• 3:53
  through.
• 3:54
  And
• 3:54
  I
• 3:54
  thought
• 3:54
  about.
• 3:55
  I've
• 3:55
  probably
• 3:55
  done
• 3:56
  that
• 3:56
  to
• 3:56
  people
• 3:56
  myself.
• 3:57
  And
• 3:58
  your
• 3:58
  question
• 3:58
  today
• 3:58
  really
• 3:59
  made
• 3:59
  me
• 3:59
  want
• 3:59
  to
• 3:59
  think
• 3:59
  about
• 4:00
  that.
• 4:01
  Because
• 4:01
  financial
• 4:02
  hardship
• 4:02
  doesn't
• 4:03
  just
• 4:03
  affect
• 4:03
  what
• 4:03
  you
• 4:04
  can
• 4:04
  afford.
• 4:05
  That's
• 4:05
  the
• 4:05
  obvious
• 4:06
  part
• 4:06
  of
• 4:06
  it.
• 4:07
  But
• 4:07
  it
• 4:07
  can
• 4:07
  affect
• 4:08
  how
• 4:08
  you're
• 4:08
  seen,
• 4:09
  how
• 4:09
  you're
• 4:10
  understood,
• 4:11
  and
• 4:11
  it
• 4:11
  also
• 4:12
  includes
• 4:12
  how
• 4:12
  you
• 4:12
  feel
• 4:13
  about
• 4:13
  yourself.
• 4:14
  So
• 4:14
  let's
• 4:15
  unwind
• 4:15
  this.
• 4:15
  Let
• 4:16
  me
• 4:16
  try
• 4:16
  to
• 4:16
  help
• 4:16
  you
• 4:16
  through
• 4:17
  this.
• 4:18
  The
• 4:18
  first
• 4:18
  thing
• 4:18
  we've
• 4:19
  got
• 4:19
  to
• 4:19
  do
• 4:19
  is
• 4:19
  we've
• 4:19
  got
• 4:20
  to
• 4:20
  name
• 4:20
  what
• 4:20
  actually
• 4:21
  hurt
• 4:22
  the
• 4:22
  problem.
• 4:23
  I
• 4:23
  don't
• 4:23
  think
• 4:23
  wasn't
• 4:24
  their
• 4:24
  suggestion.
• 4:25
  I
• 4:25
  don't
• 4:25
  think
• 4:25
  it
• 4:25
  was
• 4:26
  that
• 4:27
  the
• 4:27
  deeper
• 4:27
  pain
• 4:28
  that
• 4:28
  you
• 4:28
  felt
• 4:28
  was
• 4:28
  feeling
• 4:29
  misread
• 4:30
  because
• 4:30
  you
• 4:31
  weren't
• 4:31
  being
• 4:31
  lazy,
• 4:32
  you
• 4:32
  weren't
• 4:33
  being
• 4:33
  empty,
• 4:33
  you
• 4:33
  weren't
• 4:34
  being
• 4:34
  unwilling.
• 4:35
  You
• 4:36
  were
• 4:36
  being
• 4:36
  judged
• 4:36
  through
• 4:37
  a
• 4:37
  lens
• 4:37
  of
• 4:37
  someone
• 4:37
  who
• 4:38
  hadn't
• 4:38
  had
• 4:38
  to
• 4:38
  count
• 4:39
  every
• 4:39
  dollar.
• 4:40
  And
• 4:41
  I
• 4:41
  feel
• 4:41
  you
• 4:41
  on
• 4:41
  that
• 4:42
  one.
• 4:42
  You've
• 4:42
  had
• 4:42
  to
• 4:42
  count
• 4:43
  every
• 4:43
  dollar.
• 4:43
  You've
• 4:44
  lived
• 4:44
  in
• 4:44
  seasons
• 4:45
  where
• 4:45
  survival
• 4:46
  was
• 4:46
  just
• 4:47
  barely
• 4:47
  making
• 4:47
  it.
• 4:48
  And
• 4:49
  that
• 4:49
  kind
• 4:49
  of
• 4:49
  moment,
• 4:50
  once
• 4:50
  you've
• 4:50
  been
• 4:51
  through
• 4:51
  that,
• 4:52
  can
• 4:52
  reopen
• 4:52
  those
• 4:53
  old
• 4:53
  financial
• 4:54
  wounds.
• 4:55
  And
• 4:55
  it
• 4:56
  makes
• 4:56
  sense
• 4:56
  that
• 4:56
  it
• 4:56
  hit
• 4:56
  hard
• 4:57
  for
• 4:57
  you.
• 4:58
  Sometimes
• 4:59
  the
• 4:59
  deepest
• 4:59
  pain
• 5:00
  isn't
• 5:00
  being
• 5:00
  broke.
• 5:02
  That's
• 5:02
  difficult.
• 5:03
  But
• 5:03
  sometimes
• 5:04
  the
• 5:04
  deepest
• 5:04
  pain
• 5:05
  is
• 5:05
  being
• 5:05
  misunderstood
• 5:06
  while
• 5:06
  you're
• 5:07
  actually
• 5:07
  trying
• 5:07
  to
• 5:07
  rebuild.
• 5:09
  So
• 5:09
  how
• 5:09
  do
• 5:10
  you
• 5:10
  change
• 5:10
  that?
• 5:11
  Well,
• 5:11
  you
• 5:11
  got
• 5:12
  to
• 5:12
  stop
• 5:12
  letting
• 5:12
  uninformed
• 5:13
  people
• 5:13
  define
• 5:14
  your
• 5:14
  reality.
• 5:15
  This
• 5:15
  is
• 5:16
  one
• 5:16
  of
• 5:16
  those
• 5:16
  lessons
• 5:16
  my
• 5:17
  grandfather
• 5:17
  taught
• 5:18
  me.
• 5:18
  Not
• 5:19
  everybody
• 5:19
  who
• 5:20
  tries
• 5:20
  to
• 5:20
  give
• 5:20
  you
• 5:20
  advice
• 5:21
  has
• 5:21
  earned
• 5:22
  the
• 5:22
  right
• 5:22
  to
• 5:22
  interpret
• 5:23
  your
• 5:23
  situation.
• 5:25
  Some
• 5:25
  people
• 5:25
  confuse
• 5:26
  ease
• 5:27
  with
• 5:27
  wisdom.
• 5:28
  For
• 5:29
  so
• 5:29
  many
• 5:29
  of
• 5:29
  us,
• 5:30
  life
• 5:30
  has
• 5:30
  been
• 5:30
  easier
• 5:31
  for
• 5:31
  us.
• 5:32
  And
• 5:32
  they
• 5:32
  might
• 5:33
  sincerely
• 5:33
  think
• 5:33
  that
• 5:33
  every
• 5:34
  problem
• 5:34
  has
• 5:34
  this
• 5:35
  simple
• 5:35
  answer,
• 5:36
  but
• 5:37
  you
• 5:37
  know
• 5:37
  that's
• 5:37
  not
• 5:37
  the
• 5:38
  case.
• 5:39
  But
• 5:39
  it
• 5:39
  also
• 5:39
  doesn't
• 5:40
  mean
• 5:40
  that
• 5:40
  you're
• 5:40
  broken.
• 5:41
  It
• 5:42
  just
• 5:42
  means
• 5:42
  that
• 5:42
  their
• 5:43
  perspective
• 5:43
  is
• 5:43
  limited
• 5:44
  because
• 5:44
  they
• 5:44
  haven't
• 5:44
  been
• 5:44
  where
• 5:45
  you
• 5:45
  are.
• 5:46
  And
• 5:46
  you
• 5:47
  don't
• 5:47
  have
• 5:47
  to
• 5:47
  internalize
• 5:48
  a
• 5:48
  shallow
• 5:48
  opinion
• 5:49
  just
• 5:49
  because
• 5:50
  it
• 5:50
  was
• 5:50
  spoken
• 5:50
  confidently
• 5:51
  from
• 5:51
  somebody
• 5:51
  else.
• 5:53
  Their
• 5:53
  lack
• 5:54
  of
• 5:54
  understanding
• 5:55
  is
• 5:55
  by
• 5:55
  no
• 5:55
  means
• 5:56
  proof
• 5:56
  that
• 5:56
  you
• 5:56
  failed
• 5:58
  someone
• 5:58
  else's
• 5:59
  shallow
• 5:59
  read
• 5:59
  on.
• 5:59
  Your
• 6:00
  life
• 6:00
  doesn't
• 6:00
  become
• 6:01
  true
• 6:01
  just
• 6:01
  because
• 6:02
  they
• 6:02
  said
• 6:02
  it
• 6:02
  out
• 6:03
  loud.
• 6:04
  But
• 6:04
  I
• 6:04
  want
• 6:04
  to
• 6:04
  go
• 6:05
  to
• 6:05
  something
• 6:05
  you
• 6:05
  said.
• 6:06
  You
• 6:06
  mentioned
• 6:06
  about
• 6:07
  how
• 6:07
  you
• 6:07
  didn't
• 6:07
  feel
• 6:07
  like
• 6:08
  you
• 6:08
  needed
• 6:08
  to
• 6:08
  give
• 6:08
  them
• 6:09
  the
• 6:09
  full
• 6:09
  story.
• 6:10
  You
• 6:10
  don't
• 6:11
  owe
• 6:11
  anyone
• 6:11
  your
• 6:12
  full
• 6:12
  story.
• 6:13
  And
• 6:13
  it's
• 6:13
  important
• 6:14
  you
• 6:14
  understand
• 6:14
  that
• 6:15
  you
• 6:16
  don't
• 6:16
  ever
• 6:16
  have
• 6:17
  to
• 6:17
  feel
• 6:17
  compelled
• 6:18
  to
• 6:18
  explain
• 6:18
  your
• 6:18
  whole
• 6:19
  past
• 6:19
  to
• 6:19
  every
• 6:19
  person
• 6:20
  new
• 6:20
  that
• 6:20
  you
• 6:20
  meet.
• 6:21
  So
• 6:21
  many
• 6:21
  of
• 6:22
  us
• 6:22
  think
• 6:22
  we
• 6:22
  have
• 6:22
  to
• 6:22
  do
• 6:23
  that.
• 6:23
  I
• 6:23
  think
• 6:23
  social
• 6:24
  media
• 6:24
  has
• 6:24
  really
• 6:25
  fueled
• 6:25
  that.
• 6:26
  Being
• 6:26
  private
• 6:27
  is
• 6:27
  not
• 6:28
  being
• 6:28
  dishonest.
• 6:30
  Wisdom
• 6:30
  knows
• 6:30
  the
• 6:30
  difference
• 6:31
  between
• 6:31
  being
• 6:31
  guarded
• 6:32
  and
• 6:33
  being
• 6:33
  appropriate.
• 6:34
  And
• 6:34
  that's
• 6:34
  what
• 6:34
  we're
• 6:34
  really
• 6:34
  talking
• 6:35
  about
• 6:35
  here,
• 6:36
  being
• 6:36
  guarded
• 6:37
  and
• 6:37
  being
• 6:38
  appropriate.
• 6:39
  You
• 6:39
  can
• 6:39
  answer
• 6:40
  simply.
• 6:40
  You
• 6:40
  could
• 6:41
  say
• 6:41
  something
• 6:41
  like
• 6:41
  this,
• 6:41
  you
• 6:42
  know
• 6:42
  what?
• 6:42
  I'm
• 6:42
  in
• 6:42
  a
• 6:43
  season
• 6:43
  where
• 6:43
  I
• 6:43
  have
• 6:44
  to
• 6:44
  be
• 6:44
  pretty
• 6:44
  careful
• 6:45
  with
• 6:45
  my
• 6:45
  money.
• 6:46
  There's
• 6:46
  no
• 6:46
  shame
• 6:47
  in
• 6:47
  that.
• 6:47
  That's
• 6:48
  just
• 6:48
  a
• 6:48
  factual
• 6:48
  statement.
• 6:50
  Maybe
• 6:50
  you
• 6:50
  say
• 6:50
  something
• 6:51
  like
• 6:51
  this.
• 6:51
  Some
• 6:52
  things
• 6:52
  aren't
• 6:52
  as
• 6:52
  accessible
• 6:53
  for
• 6:53
  me
• 6:53
  right
• 6:54
  now,
• 6:54
  but
• 6:54
  I'm
• 6:54
  working
• 6:55
  on
• 6:55
  it.
• 6:56
  And
• 6:56
  here's
• 6:56
  the
• 6:56
  beautiful
• 6:57
  part
• 6:57
  of
• 6:57
  that.
• 6:57
  The
• 6:58
  right
• 6:58
  people.
• 6:59
  If
• 6:59
  you
• 6:59
  surround
• 6:59
  yourself
• 7:00
  with
• 7:00
  the
• 7:00
  right
• 7:01
  people,
• 7:01
  they're
• 7:02
  going
• 7:02
  to
• 7:02
  respond
• 7:02
  with
• 7:03
  respect
• 7:04
  and
• 7:04
  not
• 7:04
  put
• 7:05
  more
• 7:05
  pressure
• 7:05
  on
• 7:05
  you.
• 7:06
  You
• 7:07
  don't
• 7:07
  owe
• 7:07
  strangers
• 7:08
  a
• 7:08
  financial
• 7:08
  autobiography
• 7:10
  to
• 7:10
  justify
• 7:10
  your
• 7:11
  limits.
• 7:11
  You're
• 7:12
  welcome
• 7:12
  to
• 7:12
  live
• 7:12
  in
• 7:12
  your
• 7:13
  limits.
• 7:14
  Now,
• 7:14
  you
• 7:14
  mentioned,
• 7:15
  do
• 7:15
  I
• 7:15
  just
• 7:15
  withdraw
• 7:16
  from
• 7:16
  other
• 7:16
  people?
• 7:17
  I
• 7:17
  don't
• 7:17
  think
• 7:17
  that's
• 7:18
  the
• 7:18
  answer
• 7:18
  either.
• 7:19
  You've
• 7:19
  got
• 7:19
  to
• 7:20
  give
• 7:20
  people
• 7:20
  a
• 7:20
  chance,
• 7:21
  but
• 7:22
  watch
• 7:22
  what
• 7:22
  they
• 7:22
  do
• 7:22
  when
• 7:23
  you
• 7:23
  give
• 7:23
  them
• 7:23
  little
• 7:24
  small
• 7:24
  truths.
• 7:24
  Hey.
• 7:25
  As
• 7:25
  I
• 7:25
  was
• 7:25
  preparing
• 7:26
  for
• 7:26
  today,
• 7:27
  something
• 7:27
  came
• 7:27
  to
• 7:27
  mind.
• 7:28
  Some
• 7:28
  people
• 7:28
  just
• 7:28
  suck,
• 7:29
  and
• 7:30
  I
• 7:30
  know
• 7:30
  that's
• 7:30
  kind
• 7:30
  of
• 7:30
  a
• 7:30
  hard
• 7:31
  thing
• 7:31
  to
• 7:31
  say.
• 7:32
  But
• 7:32
  don't
• 7:33
  tell
• 7:33
  everyone
• 7:33
  everything
• 7:34
  up
• 7:34
  front.
• 7:35
  Start
• 7:36
  with
• 7:36
  some
• 7:36
  small
• 7:36
  truths
• 7:37
  and
• 7:37
  then
• 7:37
  see
• 7:37
  how
• 7:37
  they
• 7:37
  respond.
• 7:39
  Do
• 7:39
  they
• 7:39
  respond
• 7:40
  with
• 7:40
  curiosity?
• 7:41
  Do
• 7:41
  they
• 7:42
  respond
• 7:42
  with
• 7:42
  kindness?
• 7:43
  Or
• 7:43
  do
• 7:44
  they
• 7:44
  immediately
• 7:44
  go
• 7:44
  to
• 7:45
  a
• 7:45
  point
• 7:45
  of
• 7:45
  correction?
• 7:46
  Here's
• 7:47
  the
• 7:47
  thing
• 7:47
  you
• 7:47
  need
• 7:47
  to
• 7:47
  hear
• 7:48
  right
• 7:48
  now.
• 7:49
  Healthy
• 7:49
  people
• 7:50
  don't
• 7:50
  need
• 7:50
  your
• 7:51
  life
• 7:51
  to
• 7:51
  match
• 7:51
  theirs
• 7:52
  in
• 7:52
  order
• 7:52
  to
• 7:52
  respect
• 7:53
  you.
• 7:54
  We
• 7:54
  can
• 7:54
  have
• 7:54
  differences
• 7:55
  and
• 7:55
  still
• 7:55
  have
• 7:56
  respect
• 7:56
  for
• 7:56
  someone.
• 7:57
  And
• 7:57
  if
• 7:57
  someone
• 7:58
  hears
• 7:58
  one
• 7:59
  honest
• 7:59
  sentence
• 8:00
  and
• 8:00
  starts
• 8:00
  trying
• 8:01
  to
• 8:01
  fix
• 8:01
  you,
• 8:02
  that
• 8:02
  tells
• 8:02
  you
• 8:03
  something
• 8:03
  that
• 8:04
  is
• 8:04
  not
• 8:04
  your
• 8:04
  friend.
• 8:05
  Real
• 8:06
  friendship
• 8:07
  makes
• 8:07
  room
• 8:07
  for
• 8:08
  different
• 8:08
  realities.
• 8:09
  Here's
• 8:10
  a
• 8:10
  good
• 8:10
  test
• 8:10
  for
• 8:10
  safe
• 8:11
  people.
• 8:11
  Can
• 8:11
  they
• 8:12
  hear
• 8:12
  something
• 8:12
  they
• 8:13
  don't
• 8:13
  fully
• 8:13
  understand
• 8:14
  without
• 8:14
  making
• 8:15
  you
• 8:15
  feel
• 8:15
  small?
• 8:17
  But
• 8:17
  in
• 8:17
  the
• 8:17
  end,
• 8:18
  you've
• 8:18
  got
• 8:18
  to
• 8:18
  build
• 8:18
  a
• 8:18
  life
• 8:19
  that
• 8:19
  fits
• 8:19
  your
• 8:19
  season,
• 8:20
  not
• 8:20
  someone
• 8:21
  else's
• 8:21
  assumptions.
• 8:23
  This
• 8:23
  part
• 8:23
  matters
• 8:24
  both
• 8:24
  financially
• 8:25
  and
• 8:25
  emotionally.
• 8:27
  And
• 8:27
  they
• 8:27
  mentioned
• 8:28
  hobbies,
• 8:28
  and
• 8:28
  I
• 8:28
  thought
• 8:28
  it
• 8:28
  was
• 8:28
  really
• 8:29
  a
• 8:29
  strange
• 8:29
  thing.
• 8:30
  But
• 8:30
  hobbies
• 8:31
  don't
• 8:31
  have
• 8:31
  to
• 8:31
  be
• 8:31
  expensive
• 8:32
  to
• 8:32
  be
• 8:32
  real.
• 8:33
  We
• 8:34
  talk
• 8:34
  about
• 8:34
  that
• 8:34
  on
• 8:34
  the
• 8:34
  show
• 8:35
  all
• 8:35
  the
• 8:35
  time.
• 8:35
  A
• 8:36
  meaningful
• 8:36
  life
• 8:37
  is
• 8:37
  not
• 8:37
  Measured
• 8:37
  by
• 8:38
  ticket
• 8:38
  prices
• 8:39
  or
• 8:39
  those
• 8:39
  travel
• 8:40
  photos
• 8:41
  or
• 8:41
  those
• 8:41
  stories
• 8:42
  that
• 8:42
  sound
• 8:42
  impressive
• 8:43
  at
• 8:43
  a
• 8:43
  party.
• 8:44
  Things
• 8:45
  like
• 8:45
  reading,
• 8:46
  walking,
• 8:47
  writing,
• 8:48
  volunteering,
• 8:49
  those
• 8:49
  free
• 8:50
  community
• 8:50
  events
• 8:50
  that
• 8:51
  you
• 8:51
  mentioned,
• 8:51
  church
• 8:51
  groups,
• 8:52
  creative
• 8:53
  projects
• 8:53
  at
• 8:53
  home.
• 8:54
  These
• 8:55
  all
• 8:55
  count.
• 8:56
  Don't
• 8:57
  let
• 8:57
  consumer
• 8:58
  culture
• 8:58
  define
• 8:58
  what
• 8:58
  it
• 8:59
  means
• 8:59
  to
• 8:59
  have
• 8:59
  a
• 8:59
  life.
• 8:59
  So
• 9:00
  many
• 9:00
  of
• 9:00
  us
• 9:00
  get
• 9:00
  stuck
• 9:01
  in
• 9:01
  that
• 9:01
  comparison
• 9:02
  trap
• 9:02
  of
• 9:02
  what
• 9:03
  is
• 9:03
  consumer
• 9:03
  culture
• 9:04
  telling
• 9:04
  us?
• 9:05
  And
• 9:05
  if
• 9:05
  you're
• 9:06
  rebuilding
• 9:06
  financially,
• 9:08
  your
• 9:08
  season
• 9:08
  may
• 9:09
  very
• 9:09
  well
• 9:09
  require
• 9:09
  some
• 9:10
  low
• 9:10
  cost
• 9:10
  rhythms.
• 9:10
  Hey,
• 9:11
  that's
• 9:11
  okay.
• 9:12
  That's
• 9:12
  stewardship.
• 9:14
  That's
• 9:14
  not
• 9:15
  failure.
• 9:16
  You
• 9:16
  don't
• 9:16
  need
• 9:17
  an
• 9:17
  expensive
• 9:18
  life
• 9:18
  to
• 9:19
  have
• 9:19
  a
• 9:19
  meaningful
• 9:19
  life.
• 9:21
  But
• 9:21
  let
• 9:21
  this
• 9:21
  moment
• 9:22
  teach
• 9:22
  you
• 9:22
  something.
• 9:23
  Let
• 9:23
  it
• 9:23
  teach
• 9:23
  you
• 9:24
  discernment,
• 9:24
  but
• 9:25
  not
• 9:25
  isolation.
• 9:25
  Because
• 9:26
  I
• 9:26
  hear
• 9:26
  you
• 9:26
  withdrawing
• 9:27
  and
• 9:27
  that
• 9:27
  worries
• 9:28
  me.
• 9:29
  I
• 9:29
  don't
• 9:29
  want
• 9:29
  you
• 9:29
  to
• 9:29
  shut
• 9:30
  down
• 9:30
  and
• 9:30
  never
• 9:30
  share
• 9:31
  again.
• 9:31
  But
• 9:32
  I
• 9:32
  also
• 9:32
  wouldn't
• 9:32
  tell
• 9:33
  you
• 9:33
  to
• 9:33
  over
• 9:33
  explain
• 9:34
  yourself
• 9:34
  to
• 9:34
  win
• 9:35
  understanding
• 9:35
  from
• 9:35
  people
• 9:36
  who
• 9:36
  haven't
• 9:36
  learned
• 9:37
  empathy.
• 9:37
  There
• 9:38
  are
• 9:38
  a
• 9:38
  lot
• 9:38
  of
• 9:38
  people
• 9:39
  walking
• 9:39
  around
• 9:39
  this
• 9:40
  that
• 9:40
  don't
• 9:40
  understand
• 9:41
  empathy.
• 9:42
  They
• 9:42
  don't
• 9:42
  understand
• 9:43
  what
• 9:43
  people
• 9:43
  have
• 9:44
  gone
• 9:44
  through.
• 9:45
  The
• 9:45
  goal
• 9:46
  for
• 9:46
  you
• 9:46
  is
• 9:46
  discernment.
• 9:47
  You
• 9:48
  have
• 9:48
  to
• 9:48
  recognize
• 9:49
  something
• 9:49
  that
• 9:49
  my
• 9:49
  wife
• 9:49
  says
• 9:50
  all
• 9:50
  the
• 9:50
  time,
• 9:51
  Ralph,
• 9:51
  some
• 9:51
  people
• 9:52
  are
• 9:52
  just
• 9:52
  casual
• 9:53
  acquaintances.
• 9:55
  Some
• 9:55
  people
• 9:55
  are
• 9:56
  truly
• 9:56
  safe
• 9:56
  friends.
• 9:58
  Those
• 9:58
  two
• 9:59
  groups
• 9:59
  are
• 9:59
  not
• 9:59
  the
• 10:00
  same
• 10:00
  thing.
• 10:01
  So
• 10:01
  keep
• 10:01
  meeting
• 10:02
  people,
• 10:03
  keep
• 10:03
  showing
• 10:04
  up,
• 10:04
  but
• 10:05
  just
• 10:05
  get
• 10:05
  wiser
• 10:05
  about
• 10:06
  who
• 10:06
  gets
• 10:06
  access
• 10:06
  to
• 10:07
  the
• 10:07
  tender
• 10:07
  parts
• 10:08
  of
• 10:08
  your
• 10:08
  story.
• 10:09
  That
• 10:09
  discernment
• 10:10
  I
• 10:10
  talked
• 10:10
  about
• 10:11
  protects
• 10:11
  your
• 10:12
  peace
• 10:12
  without
• 10:13
  hardening
• 10:13
  your
• 10:14
  heart.
• 10:15
  But
• 10:15
  now
• 10:15
  I
• 10:15
  want
• 10:15
  to
• 10:15
  take
• 10:15
  this
• 10:16
  a
• 10:16
  little
• 10:16
  deeper.
• 10:17
  What
• 10:17
  moments
• 10:18
  like
• 10:18
  this
• 10:18
  often
• 10:19
  stir
• 10:19
  up
• 10:19
  isn't
• 10:20
  just
• 10:20
  frustration.
• 10:22
  It
• 10:22
  really
• 10:22
  stirs
• 10:23
  up
• 10:23
  grief.
• 10:24
  And
• 10:24
  that's
• 10:24
  what
• 10:24
  I
• 10:25
  think
• 10:25
  you're
• 10:25
  really
• 10:25
  experiencing
• 10:26
  here.
• 10:26
  Because
• 10:27
  when
• 10:27
  you've
• 10:27
  lived
• 10:28
  through
• 10:28
  financial
• 10:28
  hardship,
• 10:30
  you
• 10:30
  know
• 10:30
  that
• 10:30
  poverty
• 10:31
  charges
• 10:31
  interest.
• 10:33
  It
• 10:33
  places
• 10:33
  people
• 10:34
  in
• 10:35
  places
• 10:35
  people
• 10:35
  can't
• 10:35
  even
• 10:36
  see.
• 10:37
  It
• 10:37
  affects
• 10:37
  your
• 10:38
  confidence,
• 10:39
  it
• 10:39
  affects
• 10:39
  your
• 10:40
  energy,
• 10:40
  it
• 10:41
  affects
• 10:41
  your
• 10:41
  self
• 10:42
  of
• 10:42
  belonging.
• 10:43
  It
• 10:43
  even
• 10:43
  affects
• 10:44
  how
• 10:44
  relaxed
• 10:45
  you
• 10:45
  feel
• 10:45
  in
• 10:46
  those
• 10:46
  ordinary
• 10:47
  conversations.
• 10:48
  And
• 10:49
  when
• 10:49
  someone
• 10:49
  casually
• 10:50
  tells
• 10:50
  you,
• 10:50
  hey,
• 10:50
  just
• 10:51
  do
• 10:51
  what
• 10:51
  feels
• 10:51
  simple
• 10:51
  to
• 10:52
  them,
• 10:52
  it
• 10:53
  can
• 10:53
  make
• 10:53
  you
• 10:53
  feel
• 10:53
  like
• 10:53
  you
• 10:54
  are
• 10:54
  the
• 10:54
  problem.
• 10:56
  Hear
• 10:56
  me
• 10:56
  on
• 10:56
  this,
• 10:57
  you're
• 10:58
  not
• 10:58
  the
• 10:58
  problem.
• 10:59
  You
• 10:59
  may
• 11:00
  very
• 11:00
  well
• 11:00
  be
• 11:00
  carrying
• 11:01
  scars
• 11:01
  from
• 11:01
  a
• 11:01
  hard
• 11:02
  season.
• 11:03
  And
• 11:03
  those
• 11:03
  scars
• 11:04
  are
• 11:04
  real.
• 11:05
  Just
• 11:05
  look
• 11:06
  at
• 11:06
  scripture.
• 11:06
  Romans
• 11:07
  12:15
• 11:07
  reminds
• 11:08
  us
• 11:08
  to
• 11:08
  mourn
• 11:09
  with
• 11:09
  those
• 11:09
  who
• 11:10
  mourn.
• 11:11
  It
• 11:11
  doesn't
• 11:11
  tell
• 11:12
  us
• 11:12
  to
• 11:12
  fix
• 11:12
  them
• 11:12
  quickly,
• 11:13
  not
• 11:14
  to
• 11:14
  judge
• 11:14
  them
• 11:14
  from
• 11:15
  a
• 11:15
  distance,
• 11:15
  not
• 11:16
  to
• 11:16
  offer
• 11:16
  a
• 11:16
  simple
• 11:17
  answer
• 11:17
  for
• 11:17
  a
• 11:17
  complicated
• 11:18
  burden.
• 11:19
  And
• 11:20
  just
• 11:20
  because
• 11:20
  someone
• 11:21
  couldn't
• 11:21
  understand
• 11:21
  your
• 11:22
  experience
• 11:23
  doesn't
• 11:24
  mean
• 11:24
  that
• 11:24
  God
• 11:24
  doesn't
• 11:25
  understand
• 11:25
  it.
• 11:26
  God
• 11:27
  sees
• 11:27
  the
• 11:27
  cost.
• 11:28
  He
• 11:28
  sees
• 11:29
  what
• 11:29
  you're
• 11:29
  rebuilding
• 11:30
  and
• 11:31
  he
• 11:31
  sees
• 11:31
  the
• 11:31
  effort
• 11:32
  it
• 11:32
  took
• 11:32
  just
• 11:32
  to
• 11:32
  keep
• 11:33
  Showing
• 11:33
  up.
• 11:34
  Your
• 11:35
  financial
• 11:35
  limits
• 11:36
  may
• 11:36
  need
• 11:36
  to
• 11:36
  be
• 11:36
  explained
• 11:37
  sometimes,
• 11:38
  but
• 11:39
  they
• 11:39
  never
• 11:39
  make
• 11:39
  you
• 11:40
  less
• 11:40
  worthy
• 11:40
  of
• 11:40
  respect.
• 11:42
  So
• 11:42
  here's
• 11:43
  your
• 11:43
  win
• 11:43
  for
• 11:43
  today.
• 11:43
  For
• 11:44
  everybody
• 11:44
  listening
• 11:45
  or
• 11:45
  watching,
• 11:46
  I
• 11:46
  want
• 11:46
  each
• 11:46
  of
• 11:46
  you
• 11:47
  to
• 11:47
  write
• 11:47
  down
• 11:47
  two
• 11:48
  or
• 11:48
  three
• 11:48
  simple
• 11:48
  phrases
• 11:49
  that
• 11:49
  you
• 11:49
  can
• 11:50
  use
• 11:50
  when
• 11:50
  money
• 11:50
  related
• 11:51
  conversations
• 11:52
  come
• 11:52
  up.
• 11:52
  I'm
• 11:52
  going
• 11:53
  to
• 11:53
  give
• 11:53
  you
• 11:53
  some
• 11:53
  examples
• 11:54
  of
• 11:54
  that.
• 11:55
  Maybe
• 11:55
  this
• 11:55
  one.
• 11:56
  I'm
• 11:56
  keeping
• 11:56
  things
• 11:57
  low
• 11:57
  cost
• 11:57
  right
• 11:58
  now.
• 11:58
  That's
• 11:59
  a
• 11:59
  fine
• 11:59
  thing
• 11:59
  to
• 12:00
  tell
• 12:00
  somebody.
• 12:01
  Maybe
• 12:01
  if
• 12:01
  you
• 12:02
  feel
• 12:02
  that
• 12:02
  pressure
• 12:02
  to
• 12:02
  go
• 12:03
  do
• 12:03
  something,
• 12:03
  say
• 12:03
  something
• 12:04
  like
• 12:04
  this.
• 12:04
  That
• 12:04
  sounds
• 12:05
  fun,
• 12:05
  but
• 12:05
  it's
• 12:06
  just
• 12:06
  not
• 12:06
  in
• 12:06
  my
• 12:06
  budget
• 12:07
  this
• 12:07
  season.
• 12:08
  I
• 12:08
  love
• 12:08
  this
• 12:09
  one.
• 12:09
  I'm
• 12:09
  rebuilding
• 12:10
  financially.
• 12:11
  Some
• 12:11
  choosing
• 12:12
  simpler
• 12:12
  things
• 12:12
  these
• 12:13
  days.
• 12:14
  But
• 12:14
  if
• 12:14
  you
• 12:14
  pre
• 12:15
  decide
• 12:15
  on
• 12:15
  those
• 12:15
  words,
• 12:16
  it's
• 12:17
  going
• 12:17
  to
• 12:17
  help
• 12:17
  you
• 12:17
  stay
• 12:18
  calm
• 12:18
  and
• 12:19
  it's
• 12:19
  going
• 12:19
  to
• 12:19
  protect
• 12:19
  your
• 12:20
  dignity.
• 12:20
  And
• 12:21
  in
• 12:21
  those
• 12:21
  moments
• 12:21
  that
• 12:21
  are
• 12:22
  surely
• 12:22
  to
• 12:22
  come
• 12:22
  around,
• 12:23
  people
• 12:23
  who
• 12:23
  frankly
• 12:24
  may
• 12:24
  not
• 12:24
  be
• 12:25
  your
• 12:25
  friend.
• 12:26
  Which
• 12:26
  leads
• 12:26
  me
• 12:26
  back
• 12:27
  to
• 12:27
  today's
• 12:27
  Bible
• 12:27
  verse.
• 12:28
  I've
• 12:28
  already
• 12:28
  mentioned
• 12:28
  it.
• 12:29
  It's
• 12:29
  Romans
• 12:29
  12:15.
• 12:30
  Rejoice
• 12:31
  with
• 12:31
  those
• 12:31
  who
• 12:32
  rejoice
• 12:33
  and
• 12:33
  mourn
• 12:33
  with
• 12:34
  those
• 12:34
  who
• 12:34
  mourn.
• 12:36
  Godly
• 12:36
  relationships
• 12:37
  don't
• 12:37
  just
• 12:37
  celebrate
• 12:38
  what
• 12:38
  is
• 12:38
  easy.
• 12:40
  They
• 12:40
  make
• 12:40
  room
• 12:40
  for
• 12:41
  burdens,
• 12:42
  they
• 12:42
  make
• 12:42
  room
• 12:42
  for
• 12:43
  limits.
• 12:44
  And
• 12:44
  they
• 12:44
  make
• 12:44
  room
• 12:45
  for
• 12:45
  realities
• 12:45
  they
• 12:45
  may
• 12:46
  not
• 12:46
  personally
• 12:47
  understand.
• 12:48
  Well,
• 12:49
  let's
• 12:49
  pray
• 12:49
  together.
• 12:50
  Heavenly
• 12:51
  Father,
• 12:51
  I
• 12:51
  just
• 12:51
  want
• 12:51
  to
• 12:52
  lift
• 12:52
  up
• 12:52
  the
• 12:52
  person
• 12:52
  who
• 12:53
  feels
• 12:53
  misunderstood
• 12:54
  today.
• 12:55
  That
• 12:55
  person
• 12:55
  that's
• 12:56
  feeling
• 12:56
  exposed,
• 12:57
  that
• 12:57
  person
• 12:58
  who's
• 12:58
  feeling
• 12:58
  discouraged
• 12:59
  after
• 12:59
  conversations
• 13:00
  like
• 13:01
  this.
• 13:02
  Because,
• 13:02
  Lord,
• 13:02
  you
• 13:02
  know
• 13:03
  what
• 13:03
  financial
• 13:03
  hardship
• 13:04
  has
• 13:04
  cost
• 13:04
  them.
• 13:05
  Not
• 13:05
  just
• 13:05
  in
• 13:06
  dollars,
• 13:07
  but
• 13:07
  in
• 13:07
  confidence,
• 13:08
  in
• 13:09
  rest
• 13:10
  and
• 13:10
  in
• 13:10
  peace.
• 13:11
  And
• 13:12
  help
• 13:12
  them
• 13:12
  not
• 13:12
  to
• 13:12
  carry
• 13:13
  shame
• 13:13
  that
• 13:13
  doesn't
• 13:13
  belong
• 13:14
  to
• 13:14
  them,
• 13:14
  Lord.
• 13:15
  Give
• 13:15
  them
• 13:15
  wisdom
• 13:16
  to
• 13:16
  know
• 13:16
  when
• 13:16
  to
• 13:17
  speak
• 13:17
  and
• 13:18
  when
• 13:18
  to
• 13:18
  keep
• 13:18
  things
• 13:19
  private
• 13:20
  and
• 13:20
  when
• 13:20
  to
• 13:20
  recognize
• 13:21
  that
• 13:21
  someone
• 13:21
  simply
• 13:21
  doesn't
• 13:22
  have
• 13:22
  the
• 13:22
  understanding
• 13:23
  to
• 13:23
  speak
• 13:24
  into
• 13:24
  their
• 13:24
  life.
• 13:25
  Protect
• 13:26
  all
• 13:26
  of
• 13:26
  our
• 13:26
  hearts
• 13:27
  from
• 13:27
  bitterness,
• 13:27
  Lord,
• 13:28
  but
• 13:28
  also
• 13:28
  protect
• 13:28
  us
• 13:29
  from
• 13:29
  believing
• 13:29
  every
• 13:30
  careless
• 13:30
  opinion
• 13:31
  that
• 13:31
  we
• 13:31
  hear.
• 13:32
  Bring
• 13:32
  the
• 13:33
  right
• 13:33
  people
• 13:33
  into
• 13:33
  our
• 13:34
  lives,
• 13:34
  people
• 13:34
  with
• 13:35
  kindness
• 13:36
  and
• 13:36
  maturity
• 13:37
  and
• 13:38
  empathy.
• 13:39
  And
• 13:39
  remind
• 13:39
  all
• 13:40
  of
• 13:40
  us
• 13:40
  that
• 13:40
  our
• 13:40
  value
• 13:41
  is
• 13:41
  not
• 13:41
  measured
• 13:41
  by
• 13:42
  what
• 13:42
  we
• 13:42
  can
• 13:42
  afford
• 13:43
  to
• 13:43
  do,
• 13:43
  where
• 13:44
  we
• 13:44
  can
• 13:44
  afford
• 13:44
  to
• 13:45
  go,
• 13:45
  or
• 13:46
  how
• 13:46
  easily
• 13:46
  they
• 13:46
  fit
• 13:47
  into
• 13:47
  someone
• 13:47
  else's
• 13:48
  version
• 13:48
  of
• 13:48
  normal.
• 13:50
  Give
• 13:50
  us
• 13:50
  all
• 13:50
  peace,
• 13:51
  Lord,
• 13:51
  today,
• 13:51
  and
• 13:51
  strength
• 13:52
  and
• 13:53
  steady
• 13:53
  confidence
• 13:54
  as
• 13:55
  all
• 13:55
  of
• 13:55
  us
• 13:55
  keep
• 13:55
  rebuilding.
• 13:57
  And
• 13:57
  we
• 13:57
  ask
• 13:57
  this
• 13:57
  in
• 13:58
  Jesus
• 13:58
  name.
• 13:59
  Amen,
• 14:01
  friend.
• 14:02
  You
• 14:02
  don't
• 14:02
  have
• 14:02
  to
• 14:02
  explain
• 14:03
  your
• 14:03
  whole
• 14:03
  story
• 14:03
  to
• 14:04
  be
• 14:04
  worthy
• 14:04
  of
• 14:04
  kindness.
• 14:05
  You,
• 14:05
  you
• 14:05
  deserve
• 14:06
  kindness.
• 14:07
  And
• 14:07
  you
• 14:07
  also
• 14:07
  don't
• 14:08
  have
• 14:08
  to
• 14:08
  pretend
• 14:08
  life
• 14:08
  is
• 14:09
  easy
• 14:09
  to
• 14:09
  make
• 14:09
  other
• 14:10
  people
• 14:10
  comfortable.
• 14:12
  So
• 14:12
  keep
• 14:12
  meeting
• 14:13
  people.
• 14:14
  Stay
• 14:14
  open,
• 14:15
  but
• 14:15
  stay
• 14:15
  discerning.
• 14:17
  And
• 14:17
  maybe
• 14:18
  right
• 14:18
  now
• 14:18
  you
• 14:18
  felt
• 14:19
  misunderstood
• 14:19
  because
• 14:19
  of
• 14:20
  your
• 14:20
  financial
• 14:20
  reality
• 14:21
  or
• 14:22
  you're
• 14:22
  trying
• 14:22
  to
• 14:22
  figure
• 14:22
  out
• 14:23
  how
• 14:23
  to
• 14:23
  show
• 14:23
  up
• 14:23
  authentically
• 14:24
  without
• 14:24
  over
• 14:24
  explaining
• 14:25
  yourself.
• 14:26
  I
• 14:26
  would
• 14:26
  love
• 14:27
  to
• 14:27
  hear
• 14:27
  from
• 14:27
  you.
• 14:27
  You
• 14:28
  can
• 14:28
  leave
• 14:28
  me
• 14:28
  a
• 14:28
  voicemail
• 14:29
  by
• 14:29
  going
• 14:29
  to
• 14:30
  financiallyconfidentchristian.com/voicemail
• 14:34
  again.
• 14:34
  We'll
• 14:34
  put
• 14:35
  a
• 14:35
  link
• 14:35
  in
• 14:35
  the
• 14:35
  show
• 14:35
  notes
• 14:35
  but
• 14:36
  it's
• 14:36
  financiallyconfidentchristian.com/voicemail
• 14:40
  I
• 14:41
  just
• 14:41
  want
• 14:41
  to
• 14:41
  thank
• 14:41
  you
• 14:41
  so
• 14:41
  much
• 14:42
  for
• 14:42
  joining
• 14:42
  me
• 14:42
  today
• 14:43
  and
• 14:43
  I
• 14:43
  want
• 14:43
  to
• 14:43
  encourage
• 14:43
  you
• 14:44
  stay
• 14:44
  financially
• 14:45
  savvy.
• 14:46
  May
• 14:46
  God
• 14:46
  bless
• 14:47
  you
• 14:47
  and
• 14:47
  you
• 14:48
  have
• 14:48
  a
• 14:48
  great
• 14:48
  day.
• 15:06
  We.