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Transcript

Can My Parents Claim Me as a Dependent (And What Should I Do If It Doesn’t Feel Right)? · Becoming Financially Confident

• 0:37
  What
• 0:37
  happens
• 0:38
  when
• 0:38
  your
• 0:38
  parents
• 0:38
  claim
• 0:39
  you're
• 0:39
  on
• 0:39
  their
• 0:39
  taxes
• 0:40
  and
• 0:41
  they
• 0:41
  might
• 0:41
  not
• 0:41
  be
• 0:41
  allowed
• 0:42
  to
• 0:42
  do
• 0:42
  that.
• 0:43
  On
• 0:43
  this
• 0:44
  episode,
• 0:44
  I
• 0:44
  talk
• 0:44
  with
• 0:44
  someone
• 0:45
  whose
• 0:45
  18
• 0:45
  year
• 0:46
  old
• 0:46
  sister
• 0:46
  made
• 0:47
  almost
• 0:47
  $50,000
• 0:48
  this
• 0:48
  year,
• 0:49
  but
• 0:50
  their
• 0:50
  mom
• 0:50
  claimed
• 0:50
  her
• 0:50
  as
• 0:50
  a
• 0:51
  dependent.
• 0:52
  Now
• 0:52
  there's
• 0:52
  questions
• 0:52
  about
• 0:53
  taxes,
• 0:54
  benefits
• 0:55
  and
• 0:55
  whether
• 0:55
  the
• 0:55
  parents
• 0:56
  actually
• 0:56
  met
• 0:56
  the
• 0:57
  rules.
• 0:58
  So
• 0:58
  what
• 0:59
  should
• 0:59
  she
• 0:59
  do
• 0:59
  when
• 0:59
  family
• 1:00
  money
• 1:00
  and
• 1:01
  the
• 1:01
  IRS
• 1:02
  all
• 1:02
  collide?
• 1:03
  We're
• 1:03
  going
• 1:03
  to
• 1:03
  break
• 1:03
  that
• 1:03
  down
• 1:04
  on
• 1:04
  today's
• 1:04
  show.
• 1:25
  Hey,
• 1:25
  friend,
• 1:26
  Ralph
• 1:26
  Estep
• 1:27
  Jr.
• 1:27
  Here.
• 1:27
  This
• 1:28
  is
• 1:28
  Financially
• 1:29
  Confident
• 1:29
  Christian
• 1:30
  where
• 1:30
  my
• 1:30
  goal
• 1:31
  every
• 1:31
  day
• 1:31
  is
• 1:31
  to
• 1:31
  help
• 1:32
  you
• 1:32
  break
• 1:32
  that
• 1:32
  cycle
• 1:33
  of
• 1:33
  financial
• 1:33
  shame
• 1:34
  and
• 1:34
  live
• 1:35
  with
• 1:35
  confidence.
• 1:36
  And
• 1:36
  we
• 1:37
  have
• 1:37
  got
• 1:37
  an
• 1:38
  interesting
• 1:38
  one
• 1:38
  today.
• 1:39
  Can
• 1:40
  someone
• 1:40
  claim
• 1:40
  you
• 1:41
  as
• 1:41
  a
• 1:41
  dependent?
• 1:42
  And
• 1:42
  what
• 1:42
  do
• 1:43
  you
• 1:43
  do
• 1:43
  if
• 1:43
  something
• 1:44
  doesn't
• 1:44
  quite
• 1:45
  feel
• 1:45
  right?
• 1:46
  As
• 1:46
  a
• 1:47
  tax
• 1:47
  guy,
• 1:48
  I
• 1:48
  hear
• 1:48
  this
• 1:48
  one
• 1:49
  all
• 1:49
  the
• 1:49
  time.
• 1:49
  But
• 1:49
  let's
• 1:50
  get
• 1:50
  right
• 1:50
  into
• 1:50
  today's
• 1:51
  listener
• 1:51
  question.
• 1:51
  Listener
• 1:52
  wrote
• 1:52
  this
• 1:52
  Ralph,
• 1:53
  my
• 1:53
  sister
• 1:54
  is
• 1:54
  18
• 1:55
  and
• 1:55
  recently
• 1:56
  found
• 1:56
  out
• 1:56
  our
• 1:57
  mom
• 1:57
  claimed
• 1:57
  her
• 1:57
  as
• 1:58
  a
• 1:58
  dependent.
• 1:59
  Now
• 1:59
  she
• 1:59
  can't
• 1:59
  claim
• 2:00
  herself
• 2:01
  even
• 2:01
  though
• 2:01
  she
• 2:01
  made
• 2:02
  almost
• 2:02
  $50,000
• 2:03
  this
• 2:03
  year
• 2:04
  working
• 2:04
  a
• 2:04
  lot
• 2:04
  of
• 2:05
  overtime.
• 2:06
  My
• 2:06
  parents
• 2:06
  don't
• 2:07
  work
• 2:07
  so
• 2:07
  they
• 2:07
  can
• 2:07
  qualify
• 2:08
  for
• 2:08
  state
• 2:08
  benefits
• 2:09
  and
• 2:10
  I'm
• 2:10
  not
• 2:10
  sure
• 2:10
  if
• 2:10
  they
• 2:10
  actually
• 2:11
  meet
• 2:11
  the
• 2:11
  requirements
• 2:12
  to
• 2:12
  even
• 2:12
  claim
• 2:13
  her.
• 2:13
  From
• 2:14
  what
• 2:14
  I've
• 2:14
  read,
• 2:14
  they
• 2:15
  would
• 2:15
  need
• 2:15
  to
• 2:15
  provide
• 2:15
  more
• 2:16
  than
• 2:16
  50%
• 2:17
  of
• 2:17
  her
• 2:17
  living
• 2:17
  expenses.
• 2:19
  I
• 2:19
  told
• 2:19
  her
• 2:19
  to
• 2:19
  talk
• 2:20
  to
• 2:20
  a
• 2:20
  tax
• 2:20
  expert,
• 2:21
  but
• 2:21
  I'd
• 2:21
  like
• 2:22
  to
• 2:22
  understand
• 2:22
  this
• 2:23
  better.
• 2:23
  What
• 2:24
  should
• 2:24
  she
• 2:24
  do?
• 2:25
  Well,
• 2:26
  guess
• 2:26
  what?
• 2:26
  You
• 2:26
  have
• 2:27
  found
• 2:27
  a
• 2:27
  tax
• 2:27
  expert.
• 2:28
  This
• 2:28
  is
• 2:28
  what
• 2:28
  I've
• 2:28
  been
• 2:28
  doing
• 2:29
  for
• 2:29
  30
• 2:30
  plus
• 2:30
  years.
• 2:31
  And
• 2:31
  this
• 2:31
  is
• 2:32
  one
• 2:32
  of
• 2:32
  those
• 2:32
  situations
• 2:33
  where
• 2:33
  finances
• 2:34
  and
• 2:34
  family
• 2:35
  overlap
• 2:35
  and
• 2:36
  that
• 2:36
  is
• 2:36
  never
• 2:36
  a
• 2:37
  good
• 2:37
  thing.
• 2:38
  But
• 2:38
  when
• 2:38
  that
• 2:39
  happens,
• 2:40
  it
• 2:40
  can
• 2:40
  feel
• 2:41
  complicated
• 2:42
  quickly.
• 2:44
  So
• 2:44
  let's
• 2:44
  bring
• 2:44
  this
• 2:44
  back
• 2:45
  to
• 2:45
  something
• 2:45
  steady.
• 2:46
  We've
• 2:46
  got
• 2:46
  to
• 2:46
  get
• 2:47
  to
• 2:47
  a
• 2:47
  point
• 2:47
  of
• 2:47
  clarity
• 2:48
  and
• 2:48
  emotion.
• 2:49
  Second,
• 2:50
  because
• 2:51
  when
• 2:51
  something
• 2:51
  feels
• 2:52
  unclear
• 2:52
  or
• 2:53
  unfair
• 2:53
  or
• 2:54
  uncertain,
• 2:55
  wisdom
• 2:55
  starts
• 2:56
  with
• 2:56
  understanding
• 2:57
  what's
• 2:57
  true.
• 2:57
  So
• 2:57
  we
• 2:57
  got
• 2:58
  to
• 2:58
  break
• 2:58
  that
• 2:58
  down.
• 2:59
  So
• 2:59
  let's
• 3:00
  get
• 3:00
  to
• 3:00
  the
• 3:00
  first
• 3:00
  thing
• 3:01
  you
• 3:01
  got
• 3:01
  to
• 3:01
  understand
• 3:02
  the
• 3:02
  basic
• 3:03
  principle
• 3:03
  of
• 3:03
  dependency.
• 3:04
  I
• 3:04
  want
• 3:04
  to
• 3:04
  simplify
• 3:05
  this.
• 3:06
  If
• 3:06
  you
• 3:06
  don't
• 3:06
  work
• 3:06
  in
• 3:07
  tax
• 3:07
  and
• 3:07
  accounting
• 3:07
  like
• 3:08
  I
• 3:08
  do
• 3:08
  every
• 3:08
  day,
• 3:08
  this
• 3:09
  may
• 3:09
  be
• 3:09
  a
• 3:09
  very
• 3:10
  vague
• 3:10
  thing.
• 3:11
  For
• 3:11
  someone
• 3:12
  to
• 3:12
  be
• 3:12
  claimed
• 3:12
  as
• 3:13
  a
• 3:13
  dependent,
• 3:13
  there
• 3:14
  are
• 3:14
  specific
• 3:15
  requirements,
• 3:16
  one
• 3:16
  of
• 3:16
  those
• 3:17
  key
• 3:17
  factors
• 3:17
  you
• 3:17
  mentioned,
• 3:18
  and
• 3:18
  that's
• 3:18
  providing
• 3:19
  more
• 3:19
  than
• 3:19
  50%
• 3:20
  of
• 3:20
  that
• 3:20
  person's
• 3:21
  support.
• 3:22
  But
• 3:22
  you
• 3:22
  might
• 3:22
  be
• 3:22
  saying,
• 3:23
  Ralph,
• 3:23
  what
• 3:23
  does
• 3:23
  that
• 3:24
  mean?
• 3:24
  That
• 3:25
  includes
• 3:25
  things
• 3:25
  like
• 3:26
  housing,
• 3:27
  food,
• 3:27
  those
• 3:28
  basic
• 3:28
  living
• 3:29
  expenses,
• 3:30
  all
• 3:30
  of
• 3:30
  the
• 3:31
  things
• 3:31
  that
• 3:31
  make
• 3:31
  up
• 3:32
  what
• 3:32
  you
• 3:32
  got
• 3:32
  to
• 3:33
  pay
• 3:33
  to
• 3:33
  live.
• 3:33
  Could
• 3:33
  be
• 3:33
  medical,
• 3:34
  could
• 3:34
  be
• 3:35
  insurance,
• 3:35
  could
• 3:36
  be
• 3:36
  all
• 3:36
  of
• 3:36
  those
• 3:37
  things.
• 3:37
  It's
• 3:38
  not
• 3:38
  just
• 3:38
  about
• 3:38
  the
• 3:39
  relationship.
• 3:39
  You
• 3:39
  know,
• 3:40
  clearly
• 3:40
  this
• 3:40
  is
• 3:41
  your
• 3:41
  sister,
• 3:42
  this
• 3:42
  is
• 3:42
  your
• 3:43
  mother
• 3:43
  and
• 3:43
  father.
• 3:44
  That's
• 3:44
  part
• 3:45
  of
• 3:45
  it.
• 3:45
  But
• 3:45
  it's
• 3:46
  also
• 3:46
  about
• 3:46
  the
• 3:47
  financial
• 3:47
  support.
• 3:47
  So
• 3:48
  you're
• 3:48
  on
• 3:48
  the
• 3:48
  right
• 3:48
  track
• 3:49
  here.
• 3:50
  And
• 3:50
  I
• 3:50
  also
• 3:50
  like
• 3:51
  the
• 3:51
  fact
• 3:51
  that
• 3:51
  you
• 3:51
  recognize
• 3:52
  when
• 3:52
  something
• 3:53
  may
• 3:53
  not
• 3:53
  align.
• 3:54
  Now,
• 3:54
  I
• 3:54
  don't
• 3:54
  know
• 3:54
  how
• 3:55
  this
• 3:55
  all
• 3:55
  came
• 3:55
  about,
• 3:56
  but
• 3:56
  if
• 3:56
  your
• 3:57
  sister
• 3:57
  earned
• 3:57
  $50,000,
• 3:59
  that's
• 3:59
  a
• 3:59
  lot
• 3:59
  of
• 3:59
  money,
• 4:00
  and
• 4:01
  it
• 4:01
  raises
• 4:01
  a
• 4:01
  valid
• 4:02
  question.
• 4:03
  Was
• 4:03
  she
• 4:03
  actually
• 4:04
  supported
• 4:04
  by
• 4:05
  your
• 4:05
  parents
• 4:05
  financially?
• 4:07
  That's
• 4:07
  really
• 4:07
  the
• 4:07
  million
• 4:07
  dollar
• 4:08
  question
• 4:08
  here.
• 4:08
  If
• 4:09
  she
• 4:09
  made
• 4:09
  $50,000,
• 4:11
  where
• 4:11
  did
• 4:11
  that
• 4:11
  money
• 4:12
  go?
• 4:13
  And
• 4:13
  if
• 4:13
  she
• 4:13
  wasn't
• 4:14
  being
• 4:14
  supported
• 4:14
  by
• 4:15
  your
• 4:15
  parents,
• 4:16
  then
• 4:16
  the
• 4:16
  situation
• 4:17
  needs
• 4:17
  to
• 4:17
  get
• 4:18
  reviewed.
• 4:19
  But
• 4:19
  we've
• 4:19
  got
• 4:19
  to
• 4:20
  separate
• 4:20
  facts
• 4:20
  from
• 4:21
  assumptions
• 4:21
  here.
• 4:21
  This
• 4:21
  is
• 4:22
  where
• 4:22
  things
• 4:22
  can
• 4:22
  get
• 4:23
  emotional,
• 4:24
  especially
• 4:24
  when
• 4:25
  it
• 4:25
  comes
• 4:25
  to
• 4:25
  families.
• 4:26
  We
• 4:26
  got
• 4:26
  to
• 4:27
  stay
• 4:27
  grounded
• 4:27
  here.
• 4:28
  You're
• 4:29
  making
• 4:29
  some
• 4:29
  assumptions,
• 4:30
  and
• 4:30
  I'm
• 4:30
  not
• 4:30
  criticizing
• 4:31
  you.
• 4:31
  But
• 4:32
  we've
• 4:32
  got
• 4:32
  to
• 4:33
  gather
• 4:33
  some
• 4:33
  facts.
• 4:34
  We
• 4:34
  got
• 4:34
  to
• 4:35
  look
• 4:35
  at
• 4:35
  a
• 4:35
  hard
• 4:35
  thing.
• 4:36
  Who
• 4:36
  paid
• 4:36
  for
• 4:36
  what,
• 4:37
  where
• 4:37
  did
• 4:37
  your
• 4:38
  sister
• 4:38
  live,
• 4:39
  and
• 4:39
  how
• 4:39
  are
• 4:39
  those
• 4:40
  expenses
• 4:40
  covered?
• 4:41
  Because
• 4:42
  clarity
• 4:42
  comes
• 4:43
  from
• 4:43
  those
• 4:43
  details.
• 4:45
  But
• 4:45
  now
• 4:45
  I'm
• 4:45
  going
• 4:45
  to
• 4:45
  step
• 4:46
  on
• 4:46
  your
• 4:46
  toes
• 4:46
  a
• 4:46
  bit.
• 4:47
  You
• 4:47
  got
• 4:47
  to
• 4:48
  involve
• 4:48
  the
• 4:48
  right
• 4:49
  kind
• 4:49
  of
• 4:49
  help.
• 4:50
  This
• 4:50
  is
• 4:50
  not
• 4:50
  something
• 4:50
  you
• 4:51
  guessed
• 4:51
  or
• 4:51
  this
• 4:51
  isn't
• 4:52
  the
• 4:52
  time
• 4:52
  to
• 4:52
  go
• 4:52
  out
• 4:52
  to
• 4:52
  ChatGPT
• 4:54
  or
• 4:54
  go
• 4:54
  look
• 4:54
  on
• 4:55
  TikTok
• 4:55
  and
• 4:55
  figure
• 4:56
  out
• 4:56
  what
• 4:56
  I
• 4:56
  should
• 4:56
  do.
• 4:57
  That's
• 4:57
  a
• 4:57
  bad
• 4:57
  plan.
• 4:59
  Go
• 4:59
  find
• 4:59
  a
• 5:00
  qualified
• 5:00
  tax
• 5:01
  professional.
• 5:01
  Like
• 5:02
  I
• 5:02
  said,
• 5:02
  that's
• 5:02
  what
• 5:02
  I
• 5:02
  do
• 5:02
  for
• 5:03
  a
• 5:03
  living.
• 5:03
  I
• 5:03
  can't
• 5:03
  speak
• 5:03
  to
• 5:04
  your
• 5:04
  specific
• 5:05
  situation
• 5:05
  because
• 5:06
  I
• 5:06
  don't
• 5:06
  know
• 5:06
  all
• 5:06
  the
• 5:07
  elements
• 5:07
  of
• 5:07
  it,
• 5:08
  but
• 5:08
  go
• 5:08
  find
• 5:09
  that
• 5:09
  qualified
• 5:09
  tax
• 5:10
  professional.
• 5:10
  Now
• 5:11
  listen,
• 5:11
  you
• 5:11
  are
• 5:11
  the
• 5:11
  sister.
• 5:13
  Only
• 5:13
  thing
• 5:13
  you
• 5:13
  can
• 5:13
  do
• 5:14
  is
• 5:14
  encourage
• 5:14
  your
• 5:14
  sister
• 5:15
  to
• 5:15
  go
• 5:15
  find
• 5:15
  somebody.
• 5:16
  It's
• 5:16
  not
• 5:17
  for
• 5:17
  you
• 5:17
  to
• 5:17
  do
• 5:17
  that.
• 5:17
  And
• 5:17
  you're
• 5:18
  going
• 5:18
  to
• 5:18
  put
• 5:18
  yourself
• 5:18
  in
• 5:18
  a
• 5:18
  bad
• 5:19
  position
• 5:19
  with
• 5:19
  your
• 5:19
  parents,
• 5:20
  I
• 5:20
  suspect.
• 5:21
  But
• 5:21
  point
• 5:21
  her
• 5:22
  in
• 5:22
  the
• 5:22
  direction
• 5:22
  of
• 5:23
  following
• 5:23
  somebody
• 5:24
  that
• 5:24
  can
• 5:24
  review
• 5:24
  the
• 5:24
  situation,
• 5:26
  explain
• 5:26
  the
• 5:26
  eligibility,
• 5:27
  and
• 5:28
  guide
• 5:28
  her
• 5:28
  in
• 5:28
  those
• 5:29
  next
• 5:29
  steps.
• 5:30
  Because
• 5:30
  getting
• 5:30
  it
• 5:31
  right
• 5:31
  matters.
• 5:32
  Not
• 5:32
  just
• 5:33
  for
• 5:33
  now,
• 5:33
  but
• 5:33
  for
• 5:33
  long
• 5:34
  term.
• 5:35
  But
• 5:35
  here's
• 5:35
  the
• 5:35
  hard
• 5:36
  part.
• 5:37
  You
• 5:37
  got
• 5:37
  to
• 5:37
  navigate
• 5:38
  the
• 5:38
  family
• 5:38
  side
• 5:38
  with
• 5:39
  wisdom
• 5:39
  and
• 5:39
  restraint.
• 5:41
  This
• 5:41
  involves
• 5:42
  family,
• 5:43
  and
• 5:43
  anytime
• 5:44
  you
• 5:44
  work
• 5:44
  with
• 5:44
  family,
• 5:45
  this
• 5:45
  can
• 5:45
  bring
• 5:46
  tension.
• 5:47
  So
• 5:47
  you
• 5:48
  gotta
• 5:48
  approach
• 5:48
  it
• 5:48
  with
• 5:49
  calmness,
• 5:50
  with
• 5:50
  clarity
• 5:51
  and
• 5:52
  respect.
• 5:53
  You
• 5:53
  don't
• 5:53
  need
• 5:53
  to
• 5:54
  escalate
• 5:54
  this.
• 5:55
  You
• 5:55
  need
• 5:56
  to
• 5:56
  understand
• 5:56
  the
• 5:57
  situation
• 5:57
  and
• 5:58
  respond
• 5:58
  wisely.
• 5:59
  Now,
• 5:59
  I'm
• 5:59
  gonna
• 5:59
  say
• 5:59
  something
• 6:00
  kind
• 6:00
  of
• 6:00
  tough.
• 6:00
  You.
• 6:00
  You
• 6:00
  need
• 6:01
  to
• 6:01
  butt
• 6:01
  out.
• 6:02
  You're
• 6:02
  the
• 6:02
  sister.
• 6:03
  This
• 6:03
  is
• 6:03
  her
• 6:04
  deal.
• 6:04
  She's
• 6:05
  got
• 6:05
  to
• 6:05
  go
• 6:05
  to
• 6:05
  your
• 6:06
  parents
• 6:06
  and
• 6:06
  deal
• 6:07
  with
• 6:07
  this
• 6:07
  herself.
• 6:08
  I
• 6:09
  appreciate
• 6:09
  the
• 6:09
  fact
• 6:09
  that
• 6:10
  you
• 6:10
  want
• 6:10
  to
• 6:10
  encourage
• 6:11
  her,
• 6:11
  you
• 6:11
  want
• 6:11
  to
• 6:11
  counsel
• 6:12
  her,
• 6:12
  but
• 6:13
  you're
• 6:13
  just
• 6:13
  going
• 6:13
  to
• 6:13
  cause
• 6:13
  yourself
• 6:14
  pain
• 6:14
  if
• 6:14
  you
• 6:15
  stay
• 6:15
  involved
• 6:15
  in
• 6:15
  this.
• 6:16
  But
• 6:17
  I
• 6:17
  want
• 6:17
  to
• 6:17
  take
• 6:17
  this
• 6:17
  a
• 6:17
  little
• 6:18
  deeper
• 6:18
  because
• 6:19
  situations
• 6:19
  like
• 6:20
  this
• 6:20
  can
• 6:20
  feel
• 6:20
  uncomfortable.
• 6:21
  You
• 6:21
  already
• 6:21
  feel
• 6:22
  uncomfortable.
• 6:22
  Your
• 6:23
  sister's
• 6:23
  probably
• 6:23
  coming
• 6:24
  to
• 6:24
  you
• 6:24
  because
• 6:24
  she
• 6:25
  feels
• 6:25
  uncomfortable.
• 6:27
  Because
• 6:27
  you
• 6:27
  want
• 6:27
  to
• 6:27
  do
• 6:27
  what's
• 6:28
  right,
• 6:28
  but
• 6:29
  you
• 6:29
  also
• 6:29
  don't
• 6:29
  want
• 6:30
  conflict.
• 6:31
  And
• 6:31
  God
• 6:32
  cares
• 6:32
  about
• 6:32
  two
• 6:33
  things.
• 6:33
  God
• 6:33
  cares
• 6:33
  about
• 6:34
  truth,
• 6:34
  but
• 6:35
  he
• 6:35
  also
• 6:35
  cares
• 6:36
  about
• 6:36
  how
• 6:36
  you
• 6:36
  carry
• 6:37
  it.
• 6:38
  You
• 6:38
  can
• 6:38
  walk
• 6:39
  with
• 6:39
  integrity
• 6:40
  without
• 6:40
  creating
• 6:40
  unnecessary
• 6:41
  tension
• 6:42
  in
• 6:42
  the
• 6:42
  situation.
• 6:43
  So
• 6:43
  I
• 6:43
  would
• 6:44
  encourage
• 6:44
  everybody
• 6:45
  here,
• 6:46
  pray
• 6:46
  to
• 6:46
  Lord
• 6:46
  about
• 6:47
  this,
• 6:48
  help
• 6:48
  you
• 6:48
  to
• 6:48
  respond
• 6:49
  with
• 6:49
  wisdom
• 6:49
  and
• 6:49
  grace
• 6:50
  and
• 6:50
  guidance
• 6:51
  in
• 6:51
  what
• 6:51
  is
• 6:51
  right.
• 6:53
  Because
• 6:53
  you
• 6:53
  can
• 6:54
  pursue
• 6:54
  what's
• 6:54
  right
• 6:55
  without
• 6:55
  losing
• 6:56
  your
• 6:56
  peace.
• 6:57
  And
• 6:58
  here's
• 6:58
  your
• 6:58
  win
• 6:58
  for
• 6:58
  today.
• 6:59
  You
• 6:59
  got
• 6:59
  to
• 6:59
  take
• 7:00
  one
• 7:00
  step
• 7:00
  towards
• 7:01
  clarity.
• 7:02
  One
• 7:02
  of
• 7:02
  the
• 7:02
  things
• 7:02
  I
• 7:02
  would
• 7:02
  encourage
• 7:03
  your
• 7:03
  sister
• 7:03
  to
• 7:04
  do
• 7:04
  is
• 7:04
  to
• 7:04
  gather
• 7:05
  the
• 7:05
  facts
• 7:05
  before
• 7:06
  making
• 7:06
  any
• 7:06
  conclusions.
• 7:07
  I
• 7:07
  will
• 7:07
  go
• 7:08
  find
• 7:08
  that
• 7:08
  tax
• 7:08
  expert
• 7:09
  and
• 7:09
  go
• 7:10
  get
• 7:10
  the
• 7:10
  actual
• 7:11
  information,
• 7:12
  because
• 7:12
  once
• 7:12
  you
• 7:12
  understand
• 7:13
  that,
• 7:14
  then
• 7:14
  you
• 7:14
  can
• 7:14
  move
• 7:14
  into
• 7:15
  action.
• 7:15
  But
• 7:15
  until
• 7:15
  you
• 7:16
  know
• 7:16
  all
• 7:16
  the
• 7:16
  things
• 7:16
  on
• 7:17
  the
• 7:17
  ground,
• 7:17
  until
• 7:17
  you
• 7:17
  have
• 7:17
  a
• 7:18
  plan
• 7:18
  and
• 7:18
  you
• 7:18
  understand
• 7:19
  all
• 7:19
  the
• 7:19
  nuances
• 7:20
  of
• 7:20
  this,
• 7:21
  don't
• 7:21
  make
• 7:21
  a
• 7:21
  move
• 7:21
  forward.
• 7:22
  Which
• 7:22
  leads
• 7:23
  me
• 7:23
  to
• 7:23
  our
• 7:23
  Bible
• 7:23
  verse
• 7:24
  today
• 7:24
  comes
• 7:24
  from
• 7:24
  the
• 7:24
  book
• 7:24
  of
• 7:25
  Proverbs,
• 7:25
  chapter
• 7:25
  18,
• 7:26
  verse
• 7:27
  13.
• 7:28
  To
• 7:28
  answer
• 7:29
  before
• 7:29
  listening,
• 7:30
  that
• 7:30
  is
• 7:31
  folly
• 7:31
  and
• 7:31
  shame.
• 7:32
  I
• 7:32
  want
• 7:32
  to
• 7:33
  read
• 7:33
  that
• 7:33
  again
• 7:33
  because
• 7:33
  when
• 7:34
  I
• 7:34
  was
• 7:34
  preparing
• 7:34
  for
• 7:34
  this
• 7:35
  show
• 7:35
  today,
• 7:36
  I
• 7:36
  said,
• 7:36
  this
• 7:36
  is
• 7:37
  perfect.
• 7:38
  Again,
• 7:39
  Proverbs
• 7:39
  18:13.
• 7:41
  To
• 7:41
  answer
• 7:42
  before
• 7:42
  listening,
• 7:43
  I'm
• 7:43
  going
• 7:44
  to
• 7:44
  add
• 7:44
  in
• 7:44
  that
• 7:44
  before
• 7:44
  understanding,
• 7:45
  before
• 7:46
  going
• 7:46
  through
• 7:46
  all
• 7:47
  the
• 7:47
  significant
• 7:47
  pieces,
• 7:48
  that
• 7:48
  that
• 7:48
  is
• 7:49
  folly
• 7:49
  and
• 7:49
  shame.
• 7:51
  Because
• 7:51
  you
• 7:52
  can't
• 7:52
  make
• 7:52
  wise
• 7:52
  decisions
• 7:53
  if
• 7:53
  you
• 7:53
  don't
• 7:54
  understand
• 7:54
  what's
• 7:55
  going
• 7:55
  on.
• 7:55
  You
• 7:55
  got
• 7:55
  to
• 7:55
  understand
• 7:56
  the
• 7:56
  full
• 7:56
  situation
• 7:57
  before
• 7:58
  you
• 7:58
  react.
• 7:59
  Let's
• 8:00
  pray
• 8:00
  together
• 8:00
  right
• 8:01
  now.
• 8:01
  Heavenly
• 8:02
  Father,
• 8:03
  we
• 8:03
  lift
• 8:03
  up
• 8:03
  those
• 8:04
  who
• 8:04
  are
• 8:04
  navigating
• 8:05
  these
• 8:05
  complicated
• 8:06
  situations
• 8:06
  involving
• 8:07
  both
• 8:07
  finances
• 8:08
  and
• 8:08
  family.
• 8:09
  And
• 8:10
  you
• 8:10
  see
• 8:10
  the
• 8:10
  tension,
• 8:11
  Lord,
• 8:11
  you
• 8:12
  see
• 8:12
  the
• 8:12
  questions,
• 8:13
  you
• 8:13
  see
• 8:13
  that
• 8:13
  desire
• 8:13
  to
• 8:14
  do
• 8:14
  what
• 8:14
  is
• 8:14
  right.
• 8:15
  Give
• 8:15
  them
• 8:16
  wisdom
• 8:16
  to
• 8:16
  understand
• 8:17
  the
• 8:17
  situation
• 8:18
  clearly,
• 8:18
  Lord,
• 8:18
  and
• 8:19
  patience
• 8:19
  to
• 8:20
  respond
• 8:20
  with
• 8:20
  care
• 8:21
  and
• 8:22
  respect.
• 8:23
  Help
• 8:23
  all
• 8:24
  of
• 8:24
  us
• 8:24
  to
• 8:24
  walk
• 8:24
  in
• 8:24
  integrity
• 8:25
  while
• 8:25
  also
• 8:26
  maintaining
• 8:26
  peace.
• 8:27
  Where
• 8:27
  possible,
• 8:28
  guide
• 8:29
  their
• 8:29
  directions
• 8:29
  and
• 8:30
  surround
• 8:30
  them
• 8:30
  with
• 8:30
  the
• 8:30
  right
• 8:31
  support
• 8:31
  and
• 8:32
  counsel.
• 8:33
  Remind
• 8:33
  them
• 8:33
  that
• 8:34
  truth
• 8:34
  and
• 8:34
  grace
• 8:35
  can
• 8:35
  walk
• 8:35
  together.
• 8:36
  And
• 8:37
  that's
• 8:37
  really
• 8:37
  the
• 8:37
  path
• 8:37
  we
• 8:38
  need
• 8:38
  to
• 8:38
  find.
• 8:39
  And
• 8:39
  we
• 8:39
  ask
• 8:39
  all
• 8:40
  these
• 8:40
  things
• 8:40
  in
• 8:40
  Jesus
• 8:41
  name.
• 8:42
  Amen,
• 8:43
  friend.
• 8:44
  Remember
• 8:44
  this
• 8:45
  clarity
• 8:46
  first
• 8:47
  and
• 8:48
  then
• 8:48
  confidence
• 8:48
  in
• 8:48
  your
• 8:49
  next
• 8:49
  step.
• 8:50
  And
• 8:50
  maybe
• 8:50
  you're
• 8:50
  dealing
• 8:51
  with
• 8:51
  something
• 8:51
  just
• 8:51
  like
• 8:52
  this
• 8:52
  right
• 8:52
  now
• 8:52
  in
• 8:53
  your
• 8:53
  life.
• 8:53
  You
• 8:54
  can
• 8:54
  send
• 8:54
  me
• 8:54
  a
• 8:54
  voicemail
• 8:55
  by
• 8:55
  going
• 8:55
  to
• 8:55
  financiallyconfidentchristian.com/Voicemail.
• 8:59
  Just
• 9:00
  hit
• 9:00
  record
• 9:00
  and
• 9:01
  tell
• 9:01
  me
• 9:01
  what's
• 9:01
  going
• 9:01
  on
• 9:02
  and
• 9:02
  if
• 9:03
  it
• 9:03
  fits,
• 9:03
  we'll
• 9:04
  break
• 9:04
  it
• 9:04
  down
• 9:04
  on
• 9:04
  the
• 9:04
  show
• 9:05
  and
• 9:05
  I
• 9:05
  can
• 9:05
  help
• 9:05
  you
• 9:05
  move
• 9:05
  forward
• 9:06
  again.
• 9:07
  That's
• 9:07
  financially
• 9:07
  confident.
• 9:08
  Christian,
• 9:11
  thank
• 9:11
  you
• 9:11
  so
• 9:12
  much
• 9:12
  for
• 9:12
  joining
• 9:12
  me
• 9:13
  today.
• 9:13
  I
• 9:13
  want
• 9:13
  to
• 9:13
  encourage
• 9:14
  you
• 9:14
  stay
• 9:14
  financially
• 9:15
  savvy.
• 9:16
  God
• 9:16
  bless
• 9:16
  you,
• 9:17
  and
• 9:17
  you
• 9:17
  have
• 9:18
  a
• 9:18
  great
• 9:18
  day
• 9:18
  today.