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Why Do I Always Blow My January Budget? · Becoming Financially Confident

• 0:37
  All
• 0:38
  right.
• 0:38
  I
• 0:38
  thought
• 0:38
  I'd
• 0:38
  start
• 0:38
  today's
• 0:39
  show
• 0:39
  with
• 0:39
  a
• 0:39
  listener
• 0:40
  question.
• 0:41
  And
• 0:41
  when
• 0:41
  I
• 0:41
  got
• 0:41
  this
• 0:41
  question,
• 0:42
  I
• 0:42
  said,
• 0:42
  man,
• 0:42
  there
• 0:42
  are
• 0:43
  so
• 0:43
  many
• 0:43
  people
• 0:43
  that
• 0:44
  feel
• 0:44
  this
• 0:44
  way.
• 0:44
  Because
• 0:44
  honestly,
• 0:45
  I
• 0:45
  felt
• 0:45
  this
• 0:45
  way
• 0:45
  myself,
• 0:46
  Ralph.
• 0:47
  I
• 0:47
  start
• 0:47
  every
• 0:48
  new
• 0:48
  year
• 0:48
  full
• 0:48
  of
• 0:48
  hope,
• 0:49
  but
• 0:49
  by
• 0:49
  mid
• 0:50
  January,
• 0:50
  I've
• 0:51
  already
• 0:51
  blown
• 0:51
  my
• 0:51
  budget.
• 0:53
  Why
• 0:53
  do
• 0:53
  I
• 0:53
  keep
• 0:53
  doing
• 0:54
  this?
• 0:54
  I
• 0:54
  feel
• 0:55
  like
• 0:55
  I'll
• 0:55
  never
• 0:55
  get
• 0:55
  ahead.
• 0:57
  I'm
• 0:57
  going
• 0:57
  to
• 0:57
  answer
• 0:57
  that
• 0:57
  question
• 0:58
  in
• 0:58
  a
• 0:58
  second.
• 0:58
  But
• 0:58
  I've
• 0:58
  got
• 0:58
  some
• 0:59
  really
• 0:59
  exciting
• 0:59
  news
• 0:59
  today.
• 1:00
  We
• 1:00
  launched
• 1:00
  a
• 1:00
  theme
• 1:01
  song
• 1:01
  for
• 1:01
  the
• 1:01
  show.
• 1:02
  You're
• 1:02
  going
• 1:02
  to
• 1:02
  hear
• 1:02
  it
• 1:03
  in
• 1:03
  the
• 1:03
  intro
• 1:03
  here
• 1:03
  in
• 1:04
  just
• 1:04
  a
• 1:04
  moment,
• 1:04
  but
• 1:04
  if
• 1:04
  you're
• 1:04
  interested
• 1:05
  in
• 1:05
  hearing
• 1:05
  the
• 1:05
  whole
• 1:06
  song.
• 1:06
  And
• 1:06
  Abby,
• 1:07
  my
• 1:07
  producer,
• 1:07
  done
• 1:07
  a
• 1:08
  great
• 1:08
  job
• 1:08
  putting
• 1:08
  a
• 1:09
  music
• 1:09
  video
• 1:09
  to
• 1:09
  go
• 1:09
  with
• 1:09
  it.
• 1:10
  You
• 1:10
  can
• 1:10
  find
• 1:10
  it
• 1:11
  on
• 1:11
  our
• 1:11
  YouTube
• 1:11
  channel.
• 1:12
  That's
• 1:13
  at
• 1:13
  financiallyconfidentchristian.com/YouTube.
• 1:16
  Again,
• 1:16
  that's
• 1:16
  financiallyconfidentchristian.com/YouTube
• 1:20
  and
• 1:20
  I'd
• 1:20
  love
• 1:20
  to
• 1:20
  hear
• 1:20
  your
• 1:20
  feedback
• 1:21
  on
• 1:21
  it.
• 1:21
  Let's
• 1:22
  get
• 1:22
  back
• 1:22
  to
• 1:22
  today's
• 1:23
  question.
• 1:23
  And
• 1:23
  really
• 1:24
  what
• 1:24
  we're
• 1:24
  talking
• 1:24
  about
• 1:25
  there
• 1:25
  is
• 1:25
  that
• 1:25
  feeling
• 1:26
  of
• 1:26
  trying
• 1:27
  again
• 1:27
  and
• 1:27
  failing.
• 1:28
  And
• 1:29
  you're
• 1:29
  feeling
• 1:29
  exhaustion.
• 1:30
  But
• 1:31
  I
• 1:31
  want
• 1:31
  you
• 1:31
  to
• 1:31
  know
• 1:31
  something
• 1:32
  right
• 1:32
  from
• 1:32
  the
• 1:32
  jump
• 1:32
  here.
• 1:33
  You're
• 1:33
  not
• 1:34
  lazy.
• 1:35
  You're
• 1:35
  tired
• 1:35
  of
• 1:36
  trying
• 1:36
  this
• 1:36
  alone.
• 1:36
  And
• 1:37
  that's
• 1:37
  the
• 1:37
  reason
• 1:37
  I
• 1:37
  do
• 1:37
  this
• 1:38
  show,
• 1:39
  because
• 1:39
  so
• 1:39
  many
• 1:40
  of
• 1:40
  us
• 1:40
  have
• 1:40
  felt
• 1:40
  that
• 1:40
  that
• 1:41
  moment
• 1:41
  you
• 1:41
  open
• 1:41
  up
• 1:42
  the
• 1:42
  bank
• 1:42
  app
• 1:42
  and
• 1:42
  you
• 1:42
  feel
• 1:43
  dread.
• 1:44
  And
• 1:44
  we
• 1:44
  all
• 1:44
  got
• 1:44
  to
• 1:45
  admit,
• 1:45
  January
• 1:45
  hits
• 1:46
  harder
• 1:46
  than
• 1:46
  December
• 1:46
  ever,
• 1:47
  ever
• 1:47
  warns
• 1:48
  us
• 1:48
  it's
• 1:48
  going
• 1:48
  to.
• 1:49
  And
• 1:50
  here's
• 1:50
  the
• 1:50
  truth.
• 1:51
  Bills
• 1:51
  don't
• 1:52
  care.
• 1:52
  It's
• 1:52
  a
• 1:52
  new
• 1:52
  year.
• 1:53
  They
• 1:53
  don't
• 1:53
  care
• 1:54
  less.
• 1:54
  It's
• 1:54
  January.
• 1:54
  They
• 1:55
  don't
• 1:55
  care.
• 1:56
  But
• 1:56
  the
• 1:57
  good
• 1:57
  news
• 1:57
  is
• 1:57
  this.
• 1:57
  And
• 1:58
  this
• 1:58
  is
• 1:58
  why
• 1:58
  I
• 1:58
  love
• 1:59
  doing
• 1:59
  this
• 1:59
  part
• 1:59
  of
• 2:00
  the
• 2:00
  show.
• 2:00
  God's
• 2:00
  not
• 2:00
  measuring
• 2:01
  your
• 2:01
  balance.
• 2:02
  See,
• 2:03
  it'd
• 2:03
  be
• 2:03
  really
• 2:03
  easy
• 2:04
  to
• 2:04
  say,
• 2:04
  well,
• 2:04
  God,
• 2:04
  I'm
• 2:05
  failing.
• 2:05
  My
• 2:05
  balance
• 2:05
  isn't
• 2:06
  going.
• 2:06
  But
• 2:06
  he's
• 2:07
  rebuilding
• 2:07
  your
• 2:07
  belief.
• 2:08
  So
• 2:08
  let's
• 2:08
  talk
• 2:08
  about
• 2:08
  rebuilding
• 2:09
  that
• 2:09
  on
• 2:09
  today's
• 2:10
  show.
• 2:32
  Hello
• 2:32
  and
• 2:32
  welcome
• 2:32
  to
• 2:33
  Financially
• 2:33
  Confident
• 2:34
  Christian.
• 2:34
  I'm
• 2:34
  Ralph,
• 2:34
  and
• 2:35
  I
• 2:35
  just
• 2:35
  want
• 2:35
  to
• 2:35
  thank
• 2:35
  you
• 2:35
  so
• 2:35
  much
• 2:36
  for
• 2:36
  joining
• 2:36
  me.
• 2:37
  Each
• 2:37
  day
• 2:37
  I
• 2:38
  try
• 2:38
  to
• 2:38
  help
• 2:38
  you
• 2:38
  break
• 2:38
  that
• 2:39
  cycle
• 2:39
  of
• 2:39
  financial
• 2:40
  shame
• 2:40
  and
• 2:40
  do
• 2:41
  it
• 2:41
  with
• 2:41
  confidence.
• 2:42
  And
• 2:42
  I've
• 2:42
  been
• 2:42
  guiding
• 2:43
  families
• 2:43
  just
• 2:44
  like
• 2:44
  you
• 2:44
  for
• 2:45
  over
• 2:45
  30
• 2:45
  years.
• 2:46
  And
• 2:46
  I've
• 2:46
  seen
• 2:46
  January
• 2:47
  chaos
• 2:47
  personally.
• 2:48
  And
• 2:49
  I'll
• 2:49
  tell
• 2:49
  you
• 2:49
  this,
• 2:49
  I've
• 2:50
  learned
• 2:50
  that
• 2:50
  peace
• 2:51
  is
• 2:51
  greater
• 2:51
  than
• 2:51
  perfection.
• 2:52
  See,
• 2:52
  it's
• 2:52
  real
• 2:52
  easy
• 2:53
  to
• 2:53
  strive
• 2:53
  for
• 2:53
  perfection,
• 2:55
  but
• 2:55
  you're
• 2:55
  never
• 2:55
  going
• 2:55
  to
• 2:56
  get
• 2:56
  it.
• 2:57
  And
• 2:57
  here's
• 2:57
  another
• 2:57
  thing,
• 2:57
  big
• 2:58
  takeaway
• 2:58
  today,
• 2:59
  a
• 2:59
  90
• 2:59
  day
• 3:00
  plan
• 3:00
  beats
• 3:00
  90
• 3:00
  days
• 3:01
  of
• 3:01
  panic.
• 3:01
  Let
• 3:01
  me
• 3:01
  share
• 3:02
  my
• 3:02
  own
• 3:02
  personal
• 3:03
  story.
• 3:03
  If
• 3:03
  you've
• 3:04
  listened
• 3:04
  to
• 3:04
  the
• 3:04
  show
• 3:04
  for
• 3:04
  a
• 3:05
  while,
• 3:05
  you
• 3:05
  know,
• 3:05
  I
• 3:05
  used
• 3:05
  to
• 3:05
  be
• 3:05
  an
• 3:06
  executive
• 3:06
  of
• 3:06
  credit
• 3:06
  union.
• 3:07
  Now
• 3:07
  as
• 3:07
  an
• 3:08
  executive
• 3:08
  at
• 3:08
  the
• 3:08
  credit
• 3:08
  union,
• 3:09
  everybody
• 3:09
  kind
• 3:09
  of
• 3:09
  looked
• 3:09
  up
• 3:10
  to
• 3:10
  me.
• 3:10
  I'll
• 3:11
  never
• 3:11
  forget
• 3:11
  this
• 3:11
  one
• 3:11
  morning.
• 3:12
  I'm
• 3:12
  sitting
• 3:12
  in
• 3:12
  my
• 3:12
  office,
• 3:12
  it
• 3:13
  was
• 3:13
  about
• 3:13
  8,
• 3:13
  8:30
• 3:14
  in
• 3:14
  the
• 3:14
  morning,
• 3:15
  and
• 3:15
  my
• 3:15
  phone
• 3:15
  rings
• 3:15
  and
• 3:16
  I
• 3:16
  reached
• 3:16
  over
• 3:16
  and
• 3:16
  grabbed
• 3:17
  my
• 3:17
  phone
• 3:17
  and
• 3:17
  it
• 3:18
  was
• 3:18
  one
• 3:18
  of
• 3:18
  the
• 3:18
  ladies
• 3:18
  at
• 3:18
  work
• 3:18
  with
• 3:19
  me.
• 3:19
  She
• 3:19
  says,
• 3:19
  ralph,
• 3:19
  she
• 3:19
  says,
• 3:20
  we
• 3:20
  got
• 3:20
  a
• 3:20
  problem.
• 3:21
  I
• 3:21
  said,
• 3:21
  what's
• 3:21
  going
• 3:22
  on?
• 3:22
  She
• 3:22
  goes,
• 3:23
  your
• 3:23
  checking
• 3:23
  accounts
• 3:24
  overdrawn.
• 3:25
  And
• 3:25
  instantly
• 3:26
  I
• 3:26
  was
• 3:26
  panicking.
• 3:26
  I
• 3:26
  was
• 3:26
  like,
• 3:27
  how
• 3:27
  could
• 3:27
  I
• 3:27
  have
• 3:27
  done
• 3:27
  this?
• 3:29
  See,
• 3:29
  I've
• 3:29
  been
• 3:30
  there
• 3:30
  too.
• 3:31
  I've
• 3:31
  made
• 3:32
  those
• 3:32
  mistakes
• 3:33
  and
• 3:33
  I
• 3:34
  was
• 3:34
  able
• 3:34
  to
• 3:34
  solve
• 3:34
  the
• 3:35
  problem.
• 3:35
  But
• 3:35
  man,
• 3:35
  talking
• 3:36
  about
• 3:36
  an
• 3:36
  emotional
• 3:37
  situation,
• 3:37
  because
• 3:38
  here
• 3:38
  everybody's
• 3:39
  looking
• 3:39
  up
• 3:39
  to
• 3:39
  me.
• 3:40
  I'm
• 3:40
  the
• 3:40
  executive
• 3:41
  of
• 3:41
  the
• 3:41
  credit
• 3:41
  union.
• 3:42
  And
• 3:42
  now
• 3:42
  I'm,
• 3:42
  I'm
• 3:42
  in
• 3:43
  that
• 3:43
  same.
• 3:43
  We
• 3:43
  called
• 3:43
  it
• 3:44
  the
• 3:44
  dreaded
• 3:44
  list,
• 3:44
  to
• 3:44
  be
• 3:45
  honest
• 3:45
  with
• 3:45
  you.
• 3:46
  And
• 3:46
  I
• 3:46
  found
• 3:46
  myself
• 3:47
  there.
• 3:48
  So
• 3:48
  I
• 3:49
  just
• 3:49
  want
• 3:49
  you
• 3:49
  to
• 3:49
  understand
• 3:50
  I'm
• 3:50
  not
• 3:50
  coming
• 3:50
  at
• 3:50
  you
• 3:51
  from
• 3:51
  judgment.
• 3:51
  I've
• 3:52
  been
• 3:52
  there
• 3:52
  just
• 3:52
  where
• 3:52
  you
• 3:53
  are.
• 3:53
  Let
• 3:54
  me
• 3:54
  tell
• 3:54
  you
• 3:54
  about
• 3:54
  a
• 3:54
  friend
• 3:54
  of
• 3:54
  mine.
• 3:55
  Friend
• 3:55
  of
• 3:55
  mine
• 3:55
  always
• 3:56
  dreaded
• 3:56
  January.
• 3:57
  She
• 3:57
  said,
• 3:58
  ralph,
• 3:58
  I
• 3:58
  hate
• 3:58
  January.
• 3:59
  She
• 3:59
  said,
• 3:59
  I
• 3:59
  make
• 3:59
  these
• 4:00
  New
• 4:00
  Year's
• 4:00
  resolutions,
• 4:01
  but
• 4:01
  they
• 4:01
  always
• 4:01
  fall
• 4:02
  apart.
• 4:02
  Listen,
• 4:02
  I'll
• 4:03
  talk
• 4:03
  about
• 4:03
  that
• 4:03
  in
• 4:03
  a
• 4:03
  couple
• 4:03
  days.
• 4:04
  I'm
• 4:04
  not
• 4:04
  a
• 4:04
  big
• 4:04
  resolution
• 4:05
  person.
• 4:06
  But
• 4:06
  anyway,
• 4:06
  so
• 4:07
  with
• 4:07
  this
• 4:07
  friend
• 4:07
  of
• 4:07
  mine,
• 4:07
  I
• 4:08
  said,
• 4:08
  here's
• 4:08
  what
• 4:08
  we
• 4:08
  need
• 4:08
  to
• 4:08
  do.
• 4:09
  We
• 4:09
  need
• 4:09
  to
• 4:09
  really
• 4:09
  plan
• 4:10
  out
• 4:10
  the
• 4:11
  first
• 4:11
  month
• 4:11
  of
• 4:11
  January
• 4:12
  and
• 4:13
  then
• 4:13
  we'll
• 4:13
  plan
• 4:13
  out
• 4:13
  February
• 4:14
  and
• 4:14
  March.
• 4:14
  And
• 4:14
  we,
• 4:14
  we
• 4:15
  sat
• 4:15
  down
• 4:15
  with
• 4:15
  her
• 4:15
  books
• 4:16
  and
• 4:16
  we
• 4:16
  looked
• 4:16
  at
• 4:16
  what
• 4:16
  those
• 4:17
  things
• 4:17
  were
• 4:17
  coming
• 4:17
  up.
• 4:17
  We
• 4:18
  looked
• 4:18
  at
• 4:18
  her
• 4:18
  bills,
• 4:19
  we,
• 4:19
  we
• 4:19
  looked
• 4:19
  at
• 4:19
  those
• 4:19
  renewing
• 4:20
  subscription.
• 4:20
  We
• 4:20
  even
• 4:21
  talked
• 4:21
  about
• 4:21
  that
• 4:21
  heating
• 4:22
  cost
• 4:22
  spike.
• 4:22
  Hey,
• 4:23
  in
• 4:23
  January
• 4:23
  in
• 4:23
  Delaware.
• 4:24
  Gets
• 4:24
  a
• 4:24
  little
• 4:24
  cold
• 4:25
  out
• 4:25
  here.
• 4:26
  So
• 4:26
  we
• 4:26
  sat
• 4:27
  down,
• 4:27
  we
• 4:27
  made
• 4:27
  a
• 4:27
  plan,
• 4:28
  we
• 4:28
  put
• 4:28
  together
• 4:28
  an
• 4:29
  idea
• 4:29
  sheet
• 4:30
  and
• 4:30
  then
• 4:30
  forget.
• 4:31
  She
• 4:31
  called
• 4:31
  me
• 4:31
  in
• 4:31
  February.
• 4:31
  She
• 4:32
  said,
• 4:32
  ralph,
• 4:32
  she's
• 4:32
  never
• 4:32
  going
• 4:33
  to
• 4:33
  believe
• 4:33
  this.
• 4:33
  She
• 4:34
  said,
• 4:34
  this
• 4:34
  is
• 4:34
  the
• 4:34
  first
• 4:35
  calm
• 4:35
  that
• 4:36
  I've
• 4:36
  ever
• 4:36
  felt
• 4:37
  in
• 4:37
  February
• 4:37
  in
• 4:38
  years.
• 4:39
  And
• 4:39
  I
• 4:39
  just
• 4:40
  smiled.
• 4:40
  I
• 4:40
  said,
• 4:40
  yeah,
• 4:40
  that's
• 4:41
  what
• 4:41
  peace
• 4:41
  looks
• 4:41
  like.
• 4:43
  Before,
• 4:43
  we
• 4:43
  felt
• 4:44
  that
• 4:44
  stress,
• 4:46
  but
• 4:46
  now
• 4:46
  we
• 4:46
  feel
• 4:46
  that
• 4:47
  stillness,
• 4:47
  knowing
• 4:47
  that
• 4:47
  we've
• 4:48
  got
• 4:48
  a
• 4:48
  plan.
• 4:48
  And
• 4:48
  listen,
• 4:48
  fans
• 4:49
  sometimes
• 4:49
  fail,
• 4:50
  but
• 4:51
  we
• 4:51
  have
• 4:51
  a
• 4:51
  plan.
• 4:51
  So
• 4:52
  let's
• 4:52
  get
• 4:52
  back
• 4:52
  to
• 4:52
  our
• 4:52
  question
• 4:53
  today.
• 4:53
  Why
• 4:54
  does
• 4:54
  this
• 4:54
  keep
• 4:54
  happening
• 4:55
  every
• 4:55
  January?
• 4:56
  But
• 4:56
  bigger
• 4:56
  than
• 4:56
  that,
• 4:57
  how
• 4:57
  do
• 4:57
  we
• 4:57
  build
• 4:57
  a
• 4:57
  plan
• 4:58
  that
• 4:58
  reflects
• 4:58
  trust,
• 4:59
  not
• 4:59
  tension?
• 5:00
  Because
• 5:00
  we
• 5:01
  need
• 5:01
  to
• 5:01
  move
• 5:01
  from
• 5:01
  emotion
• 5:02
  to
• 5:02
  empowerment.
• 5:02
  Well,
• 5:03
  I've
• 5:03
  got
• 5:03
  some
• 5:03
  ideas
• 5:04
  here
• 5:04
  to
• 5:04
  help
• 5:04
  you
• 5:04
  do
• 5:04
  that.
• 5:05
  First
• 5:05
  thing
• 5:05
  I
• 5:05
  want
• 5:05
  you
• 5:05
  to
• 5:05
  remember,
• 5:06
  it's
• 5:07
  all
• 5:07
  about
• 5:07
  God's
• 5:07
  grace
• 5:08
  before
• 5:08
  guilt.
• 5:09
  See,
• 5:09
  God
• 5:10
  starts
• 5:10
  with
• 5:10
  compassion.
• 5:11
  God
• 5:11
  doesn't
• 5:11
  start
• 5:11
  with
• 5:12
  criticism.
• 5:13
  He's
• 5:13
  not
• 5:13
  picking
• 5:13
  on
• 5:14
  you.
• 5:14
  He's
• 5:14
  not
• 5:14
  pulling
• 5:14
  you
• 5:15
  down.
• 5:16
  So
• 5:16
  if
• 5:16
  you
• 5:16
  don't
• 5:16
  hear
• 5:16
  anything
• 5:17
  else,
• 5:17
  I
• 5:17
  stay
• 5:17
  today.
• 5:18
  Stop
• 5:18
  starting
• 5:19
  from
• 5:19
  shame.
• 5:20
  You
• 5:21
  don't
• 5:21
  have
• 5:21
  to
• 5:21
  live
• 5:21
  in
• 5:21
  shame.
• 5:22
  There's
• 5:22
  grace.
• 5:23
  And
• 5:23
  that
• 5:23
  grace
• 5:24
  can
• 5:24
  fuel
• 5:24
  your
• 5:25
  progress.
• 5:26
  And
• 5:26
  listen,
• 5:26
  if
• 5:27
  you
• 5:27
  make
• 5:27
  a
• 5:27
  mistake,
• 5:27
  like
• 5:27
  I
• 5:28
  did
• 5:28
  that
• 5:28
  morning
• 5:28
  at
• 5:28
  the
• 5:29
  credit
• 5:29
  union,
• 5:30
  what
• 5:30
  did
• 5:30
  I
• 5:30
  do
• 5:30
  the
• 5:30
  next
• 5:31
  day?
• 5:31
  I
• 5:31
  restarted.
• 5:32
  That
• 5:33
  restart
• 5:33
  is
• 5:34
  sacred.
• 5:35
  Because
• 5:36
  if
• 5:36
  we,
• 5:36
  if
• 5:36
  we
• 5:36
  use
• 5:37
  guilt,
• 5:37
  we're
• 5:37
  going
• 5:37
  to
• 5:37
  constantly
• 5:37
  look
• 5:38
  back,
• 5:38
  we're
• 5:39
  going
• 5:39
  to
• 5:39
  constantly
• 5:39
  go
• 5:39
  back
• 5:39
  and
• 5:39
  compare
• 5:40
  what
• 5:40
  we
• 5:40
  did
• 5:40
  before.
• 5:41
  But
• 5:41
  grace
• 5:42
  looks
• 5:42
  forward.
• 5:43
  See,
• 5:43
  it's
• 5:43
  about
• 5:43
  the
• 5:43
  idea
• 5:44
  of
• 5:44
  hope
• 5:44
  rising.
• 5:45
  Second
• 5:45
  thing,
• 5:46
  plan
• 5:47
  small,
• 5:47
  but
• 5:47
  win
• 5:48
  big.
• 5:48
  I
• 5:49
  want
• 5:49
  you
• 5:49
  to
• 5:49
  focus
• 5:49
  on
• 5:50
  90
• 5:50
  days,
• 5:50
  not
• 5:50
  12
• 5:50
  months.
• 5:51
  12
• 5:51
  months
• 5:51
  is
• 5:51
  way
• 5:52
  too
• 5:52
  far.
• 5:53
  If
• 5:53
  you're
• 5:53
  struggling
• 5:54
  with
• 5:54
  your
• 5:54
  finances,
• 5:55
  simplify.
• 5:55
  Just
• 5:56
  look
• 5:56
  at
• 5:56
  the
• 5:56
  next
• 5:56
  30
• 5:56
  days.
• 5:57
  Look
• 5:57
  at
• 5:57
  the
• 5:57
  next
• 5:58
  60
• 5:58
  days.
• 5:58
  Hey,
• 5:58
  if
• 5:58
  you
• 5:58
  can
• 5:59
  do
• 5:59
  90
• 5:59
  days,
• 5:59
  great.
• 6:01
  But
• 6:01
  look
• 6:01
  at
• 6:01
  those
• 6:01
  recurring
• 6:02
  things.
• 6:02
  Look
• 6:02
  at
• 6:02
  those
• 6:02
  seasonal
• 6:03
  costs.
• 6:04
  Look
• 6:04
  at
• 6:04
  the
• 6:04
  things
• 6:04
  that
• 6:04
  are
• 6:05
  known
• 6:05
  events.
• 6:05
  Because
• 6:05
  listen
• 6:06
  to
• 6:06
  me,
• 6:06
  right
• 6:06
  now,
• 6:06
  financially,
• 6:07
  there
• 6:08
  aren't
• 6:08
  a
• 6:08
  lot
• 6:08
  of
• 6:08
  big
• 6:08
  surprise
• 6:09
  moments.
• 6:10
  Most
• 6:10
  of
• 6:10
  the
• 6:10
  things
• 6:10
  we
• 6:11
  have
• 6:11
  are
• 6:11
  not
• 6:11
  surprises.
• 6:12
  So
• 6:13
  build
• 6:13
  that
• 6:13
  buffer
• 6:13
  we
• 6:14
  talked
• 6:14
  about
• 6:14
  that
• 6:14
  emergency
• 6:15
  savings
• 6:16
  account.
• 6:16
  Build
• 6:17
  on
• 6:17
  that.
• 6:17
  Build
• 6:17
  that
• 6:17
  breathing
• 6:18
  room,
• 6:19
  because
• 6:19
  small
• 6:19
  steps
• 6:20
  now
• 6:20
  are
• 6:20
  going
• 6:20
  to
• 6:20
  prevent
• 6:21
  big
• 6:21
  stress
• 6:21
  later.
• 6:22
  And
• 6:22
  listen,
• 6:23
  celebrate
• 6:23
  any
• 6:24
  forward
• 6:24
  motion.
• 6:25
  But
• 6:25
  then
• 6:26
  I
• 6:26
  want
• 6:26
  you
• 6:26
  to
• 6:26
  look
• 6:26
  to
• 6:26
  replace
• 6:27
  panic
• 6:28
  with
• 6:28
  prep.
• 6:29
  See,
• 6:29
  preparation
• 6:30
  is
• 6:30
  peace
• 6:30
  in
• 6:30
  disguise.
• 6:31
  You
• 6:31
  want
• 6:31
  to
• 6:31
  know
• 6:31
  where.
• 6:32
  Where
• 6:32
  panic
• 6:32
  is
• 6:33
  hiding.
• 6:34
  It's
• 6:34
  lack
• 6:34
  of
• 6:34
  preparation.
• 6:35
  See
• 6:36
  those
• 6:36
  holiday
• 6:36
  hangovers
• 6:37
  that
• 6:37
  so
• 6:37
  many
• 6:37
  of
• 6:38
  us
• 6:38
  face?
• 6:39
  Those
• 6:39
  things
• 6:40
  happen
• 6:40
  in
• 6:40
  January
• 6:40
  because
• 6:41
  we
• 6:41
  haven't
• 6:41
  planned
• 6:42
  for
• 6:42
  those.
• 6:42
  But
• 6:43
  if
• 6:43
  we
• 6:43
  plan,
• 6:43
  we
• 6:43
  can
• 6:44
  break
• 6:44
  that
• 6:44
  pattern.
• 6:45
  Because
• 6:45
  here's
• 6:46
  the
• 6:46
  truth.
• 6:46
  God
• 6:46
  is
• 6:47
  blessing,
• 6:47
  diligence.
• 6:48
  God
• 6:48
  doesn't
• 6:48
  want
• 6:48
  drama
• 6:48
  in
• 6:49
  your
• 6:49
  life.
• 6:49
  Listen
• 6:49
  to
• 6:49
  me
• 6:49
  right
• 6:49
  now.
• 6:50
  God
• 6:50
  does
• 6:50
  not
• 6:50
  want
• 6:51
  drama
• 6:51
  in
• 6:51
  your
• 6:51
  life.
• 6:51
  God
• 6:52
  doesn't
• 6:52
  want
• 6:52
  you
• 6:52
  to
• 6:52
  struggle
• 6:53
  with
• 6:53
  your
• 6:53
  finances.
• 6:54
  He
• 6:54
  wants
• 6:54
  you
• 6:54
  to
• 6:54
  look
• 6:55
  to
• 6:55
  Him.
• 6:56
  And
• 6:56
  when
• 6:56
  you
• 6:56
  look
• 6:57
  to
• 6:57
  him,
• 6:57
  he
• 6:57
  blesses
• 6:57
  that
• 6:58
  diligence.
• 6:59
  And
• 6:59
  peace
• 7:00
  starts
• 7:00
  in
• 7:00
  December.
• 7:01
  Peace
• 7:01
  starts
• 7:01
  right
• 7:02
  now
• 7:02
  as
• 7:02
  you're
• 7:03
  thinking
• 7:03
  about
• 7:03
  next
• 7:03
  year.
• 7:04
  It
• 7:04
  doesn't
• 7:04
  start
• 7:04
  in
• 7:04
  January
• 7:06
  because
• 7:06
  a
• 7:07
  calm
• 7:07
  start
• 7:07
  is
• 7:08
  holy
• 7:08
  stewardship.
• 7:10
  Now,
• 7:10
  I'm
• 7:10
  going
• 7:10
  to
• 7:10
  say
• 7:10
  something's
• 7:11
  a
• 7:11
  little
• 7:11
  rough
• 7:12
  sometimes.
• 7:12
  You
• 7:13
  think,
• 7:13
  God,
• 7:14
  what's
• 7:14
  up
• 7:14
  with
• 7:15
  your
• 7:15
  timing,
• 7:15
  dude?
• 7:15
  Like,
• 7:15
  you're
• 7:16
  not
• 7:16
  getting
• 7:16
  me
• 7:16
  anywhere.
• 7:18
  But
• 7:18
  listen
• 7:18
  to
• 7:18
  me.
• 7:19
  You
• 7:19
  don't
• 7:19
  have
• 7:19
  to
• 7:19
  Fix
• 7:19
  everything.
• 7:20
  Just
• 7:21
  be
• 7:21
  faithful.
• 7:22
  Because
• 7:23
  trust
• 7:23
  grows
• 7:24
  step
• 7:24
  by
• 7:24
  step.
• 7:24
  It's
• 7:24
  not
• 7:24
  going
• 7:25
  to
• 7:25
  happen
• 7:25
  overnight.
• 7:25
  You
• 7:25
  didn't
• 7:26
  put
• 7:26
  yourself
• 7:26
  into
• 7:26
  a
• 7:27
  financial
• 7:27
  struggle
• 7:27
  overnight.
• 7:29
  And
• 7:29
  here's
• 7:29
  something
• 7:30
  else
• 7:30
  I've
• 7:30
  learned
• 7:30
  in
• 7:30
  my
• 7:31
  own
• 7:31
  time
• 7:31
  on
• 7:32
  this
• 7:32
  earth
• 7:32
  of
• 7:32
  working
• 7:33
  with
• 7:33
  my
• 7:33
  own
• 7:33
  finances.
• 7:35
  Sometimes
• 7:35
  God
• 7:36
  withholds
• 7:36
  more
• 7:36
  to
• 7:37
  teach
• 7:37
  us
• 7:37
  that
• 7:37
  he's
• 7:37
  enough.
• 7:39
  We
• 7:39
  got
• 7:39
  to
• 7:40
  have
• 7:40
  that
• 7:40
  provision
• 7:41
  that
• 7:41
  begins
• 7:42
  with
• 7:42
  perspective.
• 7:43
  See,
• 7:43
  so
• 7:43
  many
• 7:44
  people
• 7:44
  think
• 7:44
  peace
• 7:45
  is
• 7:45
  in
• 7:45
  the
• 7:45
  paychecks.
• 7:46
  Peace
• 7:47
  isn't
• 7:47
  in
• 7:47
  your
• 7:47
  paychecks.
• 7:48
  It's
• 7:48
  in
• 7:49
  Christ
• 7:49
  alone.
• 7:50
  Let's
• 7:50
  get
• 7:50
  to
• 7:50
  our
• 7:51
  Bible
• 7:51
  verses
• 7:51
  today.
• 7:51
  I've
• 7:51
  got
• 7:52
  two
• 7:52
  for
• 7:52
  today.
• 7:52
  The
• 7:53
  first
• 7:53
  one
• 7:53
  is
• 7:53
  from
• 7:53
  the
• 7:54
  book
• 7:54
  of
• 7:54
  Proverbs,
• 7:55
  chapter
• 7:55
  24,
• 7:56
  verse
• 7:56
  27.
• 7:57
  It
• 7:57
  says
• 7:57
  this.
• 7:58
  Put
• 7:58
  your
• 7:58
  outdoor
• 7:58
  work
• 7:59
  in
• 7:59
  order
• 7:59
  and
• 8:00
  get
• 8:00
  your
• 8:00
  fields
• 8:01
  ready.
• 8:01
  After
• 8:01
  that,
• 8:02
  build
• 8:02
  your
• 8:02
  house.
• 8:03
  What
• 8:04
  is
• 8:04
  this
• 8:04
  verse
• 8:04
  telling
• 8:05
  us?
• 8:06
  It's
• 8:06
  telling
• 8:06
  us
• 8:06
  to
• 8:06
  prepare.
• 8:08
  It's
• 8:08
  telling
• 8:08
  us
• 8:08
  to
• 8:09
  get
• 8:09
  ourselves
• 8:09
  in
• 8:10
  order.
• 8:11
  And
• 8:11
  that's
• 8:12
  an
• 8:12
  honor
• 8:12
  to
• 8:12
  God
• 8:14
  before
• 8:14
  you
• 8:15
  build
• 8:15
  that
• 8:15
  house,
• 8:15
  before
• 8:15
  you
• 8:16
  build
• 8:16
  that
• 8:16
  financial
• 8:17
  for
• 8:17
  January,
• 8:18
  before
• 8:18
  you
• 8:18
  feel
• 8:18
  that,
• 8:19
  oh,
• 8:19
  I
• 8:19
  can't
• 8:19
  do
• 8:19
  this,
• 8:20
  Ralph.
• 8:20
  Oh,
• 8:20
  I'm
• 8:20
  failing
• 8:21
  again.
• 8:21
  Ralph.
• 8:22
  Put
• 8:22
  that
• 8:23
  preparation
• 8:23
  together.
• 8:24
  Second
• 8:25
  verse
• 8:25
  from
• 8:25
  First
• 8:25
  Peter,
• 8:26
  chapter
• 8:26
  five,
• 8:27
  verse
• 8:27
  seven.
• 8:28
  And
• 8:28
  this
• 8:28
  one,
• 8:28
  man,
• 8:29
  this
• 8:29
  one's
• 8:29
  a
• 8:29
  big
• 8:29
  hug
• 8:30
  for
• 8:30
  you.
• 8:31
  Cast
• 8:31
  all
• 8:31
  your
• 8:31
  anxiety
• 8:32
  on
• 8:32
  him
• 8:33
  because
• 8:33
  he
• 8:33
  cares
• 8:33
  for
• 8:33
  you.
• 8:35
  Listen
• 8:35
  to
• 8:35
  me
• 8:35
  right
• 8:36
  now.
• 8:36
  You're
• 8:37
  not
• 8:37
  meant
• 8:37
  to
• 8:37
  carry
• 8:38
  this
• 8:38
  all
• 8:38
  alone.
• 8:39
  We've
• 8:39
  got
• 8:39
  a
• 8:39
  loving
• 8:40
  God
• 8:40
  who
• 8:40
  wants
• 8:40
  to
• 8:40
  help
• 8:41
  you.
• 8:41
  He
• 8:41
  wants
• 8:41
  you
• 8:42
  to
• 8:42
  look
• 8:42
  to
• 8:42
  him
• 8:42
  to
• 8:43
  do
• 8:43
  this.
• 8:44
  How
• 8:44
  about
• 8:44
  we
• 8:45
  pray
• 8:45
  together
• 8:45
  and
• 8:45
  start
• 8:45
  looking
• 8:46
  to
• 8:46
  him
• 8:46
  right
• 8:46
  now?
• 8:46
  Lord,
• 8:47
  we
• 8:47
  come
• 8:47
  to
• 8:47
  you
• 8:47
  right
• 8:47
  now
• 8:48
  and
• 8:48
  we're
• 8:48
  broken,
• 8:49
  Lord.
• 8:50
  We
• 8:50
  feel
• 8:50
  guilty,
• 8:51
  Lord.
• 8:51
  Help
• 8:52
  us
• 8:52
  to
• 8:52
  replace
• 8:52
  that
• 8:53
  guilt
• 8:53
  with
• 8:53
  gratitude
• 8:54
  for
• 8:54
  all
• 8:54
  the
• 8:54
  things
• 8:54
  you've
• 8:54
  given
• 8:54
  us,
• 8:55
  for
• 8:55
  the
• 8:55
  provision
• 8:55
  that
• 8:56
  you've
• 8:56
  given
• 8:56
  us.
• 8:57
  And
• 8:57
  Lord,
• 8:58
  as
• 8:58
  we
• 8:58
  prepare
• 8:58
  for
• 8:58
  this
• 8:59
  new
• 8:59
  season,
• 8:59
  this
• 9:00
  new
• 9:00
  year
• 9:00
  coming
• 9:00
  up,
• 9:01
  help
• 9:01
  us
• 9:01
  to
• 9:01
  prepare
• 9:01
  with
• 9:02
  peace
• 9:03
  and
• 9:03
  not
• 9:04
  panic,
• 9:04
  Lord.
• 9:04
  Help
• 9:04
  us
• 9:05
  to
• 9:05
  not
• 9:05
  live
• 9:05
  in
• 9:05
  fear.
• 9:06
  Help
• 9:07
  us
• 9:07
  to
• 9:07
  plan
• 9:07
  without
• 9:08
  fear,
• 9:08
  Lord.
• 9:08
  And
• 9:08
  we
• 9:09
  know
• 9:09
  that
• 9:09
  you
• 9:09
  can
• 9:09
  do
• 9:09
  this,
• 9:10
  Lord.
• 9:10
  So
• 9:10
  we
• 9:10
  ask
• 9:10
  you
• 9:11
  for
• 9:11
  the
• 9:11
  power
• 9:11
  to
• 9:11
  do
• 9:11
  this.
• 9:12
  And
• 9:12
  we
• 9:12
  ask
• 9:12
  this
• 9:12
  in
• 9:12
  the
• 9:12
  name
• 9:12
  of
• 9:13
  Jesus.
• 9:14
  Amen.
• 9:14
  All
• 9:15
  right,
• 9:15
  I've
• 9:15
  got
• 9:15
  one
• 9:15
  action
• 9:15
  item
• 9:16
  for
• 9:16
  you
• 9:16
  today.
• 9:17
  I
• 9:17
  want
• 9:17
  you
• 9:17
  to
• 9:17
  today,
• 9:18
  take
• 9:18
  a
• 9:18
  few
• 9:18
  minutes
• 9:19
  and
• 9:19
  just
• 9:19
  plan
• 9:20
  your
• 9:20
  expenses
• 9:21
  for
• 9:21
  the
• 9:21
  first
• 9:22
  month
• 9:22
  in
• 9:23
  January,
• 9:23
  in
• 9:23
  February
• 9:24
  and
• 9:24
  March.
• 9:25
  Just
• 9:25
  put
• 9:25
  them
• 9:25
  down
• 9:26
  on
• 9:26
  paper.
• 9:26
  Here's
• 9:26
  the
• 9:26
  things
• 9:26
  that
• 9:27
  I
• 9:27
  know
• 9:27
  are
• 9:27
  going
• 9:27
  to
• 9:27
  happen.
• 9:27
  And
• 9:27
  once
• 9:28
  you
• 9:28
  do
• 9:28
  that,
• 9:29
  take
• 9:29
  a
• 9:29
  step
• 9:29
  back
• 9:29
  and
• 9:30
  pray
• 9:30
  over
• 9:30
  them.
• 9:31
  Just
• 9:32
  thank
• 9:32
  God
• 9:32
  that
• 9:32
  you
• 9:32
  saw
• 9:33
  these
• 9:33
  coming,
• 9:33
  and
• 9:33
  ask
• 9:34
  him
• 9:34
  for
• 9:34
  the
• 9:34
  provision
• 9:34
  to
• 9:34
  help
• 9:35
  get
• 9:35
  you
• 9:35
  through,
• 9:37
  because
• 9:37
  this
• 9:37
  is
• 9:37
  an
• 9:37
  invitation,
• 9:38
  not
• 9:38
  a
• 9:38
  command.
• 9:40
  And
• 9:40
  if
• 9:41
  this
• 9:41
  spoke
• 9:41
  to
• 9:41
  you.
• 9:42
  Like
• 9:42
  I
• 9:42
  said
• 9:43
  at
• 9:43
  the
• 9:43
  beginning,
• 9:43
  you
• 9:43
  don't
• 9:43
  have
• 9:43
  to
• 9:43
  walk
• 9:44
  this
• 9:44
  road
• 9:44
  alone
• 9:44
  anymore.
• 9:45
  We've
• 9:46
  got
• 9:46
  a
• 9:46
  community
• 9:46
  that
• 9:46
  you
• 9:47
  can
• 9:47
  join
• 9:47
  absolutely
• 9:47
  free.
• 9:48
  The
• 9:48
  easiest
• 9:48
  way
• 9:49
  to
• 9:49
  get
• 9:49
  to
• 9:49
  it
• 9:49
  is
• 9:49
  you
• 9:49
  go
• 9:49
  to
• 9:49
  financiallyconfidentchristian.com/join.
• 9:53
  What
• 9:53
  are
• 9:53
  you
• 9:54
  going
• 9:54
  to
• 9:54
  find
• 9:54
  there?
• 9:54
  It's
• 9:54
  a
• 9:55
  safe
• 9:55
  place
• 9:55
  to
• 9:55
  break
• 9:56
  that
• 9:56
  financial
• 9:57
  shame.
• 9:57
  It's
• 9:57
  a
• 9:58
  place
• 9:58
  where
• 9:58
  you
• 9:58
  can
• 9:58
  share
• 9:58
  your
• 9:59
  real
• 9:59
  stories
• 9:59
  and
• 9:59
  real
• 10:00
  peace
• 10:00
  of
• 10:00
  things
• 10:00
  that
• 10:00
  you've
• 10:01
  struggled
• 10:01
  with.
• 10:01
  I'm
• 10:02
  going
• 10:02
  to
• 10:02
  have
• 10:02
  faith
• 10:02
  based
• 10:02
  tools
• 10:03
  and
• 10:03
  community
• 10:03
  support
• 10:04
  out
• 10:04
  there
• 10:04
  because
• 10:04
  listen,
• 10:05
  every
• 10:06
  story
• 10:06
  matters
• 10:07
  including
• 10:07
  yours.
• 10:08
  So
• 10:08
  if
• 10:08
  you're
• 10:08
  interested
• 10:08
  in
• 10:08
  that,
• 10:09
  go
• 10:09
  to
• 10:09
  financiallyconfidentchristian.com/join
• 10:14
  Listen,
• 10:14
  you're
• 10:15
  not
• 10:15
  behind,
• 10:16
  you're
• 10:16
  becoming,
• 10:17
  you're
• 10:17
  not
• 10:17
  condemned.
• 10:18
  You're
• 10:18
  being
• 10:19
  restored.
• 10:19
  God's
• 10:20
  not
• 10:20
  done
• 10:20
  writing
• 10:20
  your
• 10:21
  story.
• 10:22
  So
• 10:22
  go
• 10:22
  out
• 10:23
  there
• 10:23
  today
• 10:23
  and
• 10:23
  be
• 10:24
  a
• 10:24
  financially
• 10:24
  confident
• 10:25
  Christian.
• 10:25
  Stay
• 10:26
  financially
• 10:26
  savvy.
• 10:27
  You
• 10:27
  can
• 10:27
  do
• 10:27
  this.
• 10:28
  I
• 10:28
  have
• 10:28
  confidence
• 10:28
  in
• 10:29
  you.
• 10:29
  God
• 10:30
  bless
• 10:30
  you.
• 10:30
  Have
• 10:30
  a
• 10:30
  great
• 10:31
  day.