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Is Your Hard-Earned Cash Going Down the Drain? · Becoming Financially Confident

• 0:37
  You
• 0:37
  ever
• 0:37
  feel
• 0:38
  like
• 0:38
  no
• 0:38
  matter
• 0:38
  how
• 0:38
  much
• 0:39
  you
• 0:39
  make,
• 0:40
  it
• 0:40
  just
• 0:40
  disappears?
• 0:42
  Almost
• 0:42
  like
• 0:42
  there's
• 0:42
  a
• 0:43
  hole
• 0:43
  in
• 0:43
  your
• 0:43
  wallet?
• 0:44
  That's
• 0:44
  what
• 0:44
  I
• 0:45
  want
• 0:45
  to
• 0:45
  talk
• 0:45
  about
• 0:45
  today.
• 0:46
  And
• 0:46
  I
• 0:46
  want
• 0:46
  to
• 0:46
  get
• 0:47
  right
• 0:47
  into
• 0:47
  the
• 0:47
  scripture.
• 0:47
  I
• 0:48
  found
• 0:48
  this
• 0:48
  Bible
• 0:48
  verse
• 0:49
  from
• 0:49
  the
• 0:49
  book
• 0:49
  of
• 0:49
  Haggai.
• 0:50
  It's
• 0:50
  chapter
• 0:51
  one,
• 0:51
  verse
• 0:51
  six.
• 0:52
  And
• 0:52
  I
• 0:52
  just
• 0:52
  want
• 0:52
  to
• 0:52
  read
• 0:52
  this
• 0:53
  to
• 0:53
  you
• 0:53
  because,
• 0:53
  man,
• 0:53
  it
• 0:54
  nails
• 0:54
  something.
• 0:55
  And
• 0:55
  I
• 0:55
  deal
• 0:55
  with
• 0:55
  also
• 0:55
  about
• 0:56
  every
• 0:56
  day
• 0:56
  in
• 0:56
  my
• 0:57
  practice.
• 0:57
  And
• 0:57
  this
• 0:57
  is
• 0:57
  what
• 0:57
  it
• 0:58
  says
• 0:58
  again.
• 0:58
  This
• 0:58
  is
• 0:59
  the
• 0:59
  book
• 0:59
  of
• 0:59
  Haggai,
• 1:00
  chapter
• 1:01
  one,
• 1:01
  verse
• 1:01
  six.
• 1:01
  It
• 1:01
  says
• 1:02
  this.
• 1:02
  You
• 1:03
  earn
• 1:03
  wages
• 1:04
  only
• 1:04
  to
• 1:05
  put
• 1:05
  them
• 1:05
  in
• 1:05
  a
• 1:05
  purse
• 1:06
  with
• 1:06
  holes
• 1:06
  in
• 1:07
  it.
• 1:07
  Well,
• 1:08
  think
• 1:08
  about
• 1:08
  that
• 1:08
  for
• 1:08
  a
• 1:09
  second.
• 1:10
  People
• 1:10
  are
• 1:10
  working
• 1:10
  hard.
• 1:11
  You
• 1:11
  might
• 1:11
  be
• 1:11
  listening
• 1:11
  to
• 1:11
  this
• 1:12
  right
• 1:12
  now.
• 1:13
  Maybe
• 1:13
  you're
• 1:13
  sitting
• 1:13
  there
• 1:14
  on
• 1:14
  your
• 1:14
  way
• 1:14
  to
• 1:14
  work,
• 1:14
  you're
• 1:15
  listening
• 1:15
  to
• 1:15
  this.
• 1:15
  Or
• 1:15
  maybe
• 1:16
  you're
• 1:16
  watching
• 1:16
  this
• 1:16
  on
• 1:16
  YouTube.
• 1:17
  You're
• 1:18
  like,
• 1:18
  Ralph,
• 1:18
  that's
• 1:19
  me.
• 1:19
  I
• 1:19
  work
• 1:19
  really
• 1:20
  hard.
• 1:21
  It
• 1:21
  feels
• 1:21
  like
• 1:21
  no
• 1:22
  matter
• 1:22
  what
• 1:22
  I
• 1:22
  do,
• 1:22
  I
• 1:22
  just
• 1:23
  can't
• 1:23
  get
• 1:23
  ahead.
• 1:24
  And
• 1:25
  I
• 1:25
  hear
• 1:25
  this,
• 1:25
  my
• 1:25
  practice,
• 1:26
  almost
• 1:26
  every
• 1:27
  day.
• 1:27
  People
• 1:27
  I
• 1:27
  work
• 1:27
  with
• 1:28
  to
• 1:28
  try
• 1:28
  to
• 1:28
  help
• 1:28
  them
• 1:29
  improve
• 1:29
  their
• 1:29
  financial
• 1:30
  situation.
• 1:31
  It's
• 1:31
  always
• 1:31
  the
• 1:31
  same
• 1:32
  thing,
• 1:32
  Ralph.
• 1:32
  I
• 1:32
  work
• 1:32
  really
• 1:33
  hard.
• 1:33
  I'm
• 1:33
  trying
• 1:33
  to
• 1:33
  do
• 1:33
  all
• 1:34
  the
• 1:34
  right
• 1:34
  things.
• 1:35
  A
• 1:36
  lot
• 1:36
  of
• 1:36
  times
• 1:36
  it
• 1:36
  leads
• 1:36
  to
• 1:37
  a
• 1:37
  level
• 1:37
  of
• 1:37
  discontentment.
• 1:38
  They
• 1:38
  feel
• 1:38
  like
• 1:39
  their
• 1:39
  priorities
• 1:39
  aren't
• 1:40
  aligned
• 1:40
  with
• 1:40
  God's.
• 1:41
  If
• 1:42
  we
• 1:42
  don't
• 1:42
  manage
• 1:42
  our
• 1:43
  resources
• 1:44
  wisely,
• 1:45
  if
• 1:45
  we're
• 1:45
  not
• 1:45
  good
• 1:45
  stewards
• 1:46
  of
• 1:46
  those
• 1:46
  things,
• 1:47
  guess
• 1:48
  what
• 1:48
  happens.
• 1:49
  Just
• 1:49
  like
• 1:49
  the
• 1:49
  Bible
• 1:50
  verse
• 1:50
  says,
• 1:51
  no
• 1:52
  matter
• 1:52
  how
• 1:52
  much
• 1:52
  money
• 1:52
  you
• 1:52
  make,
• 1:53
  you
• 1:54
  earn
• 1:54
  all
• 1:54
  those
• 1:54
  wages,
• 1:56
  you
• 1:56
  put
• 1:56
  them
• 1:56
  with
• 1:56
  a
• 1:56
  purse
• 1:57
  at
• 1:57
  holes
• 1:57
  in
• 1:57
  it.
• 1:58
  I
• 1:58
  get
• 1:58
  this
• 1:58
  picture,
• 1:58
  that
• 1:58
  in
• 1:59
  your
• 1:59
  own
• 1:59
  mind,
• 1:59
  you
• 2:00
  fill
• 2:00
  this
• 2:00
  purse,
• 2:01
  you
• 2:02
  fill
• 2:02
  this
• 2:02
  bag.
• 2:02
  Let's
• 2:03
  call
• 2:03
  it
• 2:03
  a
• 2:03
  bag
• 2:03
  for
• 2:04
  sake
• 2:04
  of
• 2:04
  a
• 2:04
  better
• 2:04
  term.
• 2:05
  You
• 2:05
  fill
• 2:05
  this
• 2:05
  bag
• 2:06
  with
• 2:06
  all
• 2:06
  your
• 2:06
  coins.
• 2:08
  It's
• 2:08
  heavy.
• 2:08
  You
• 2:09
  pick
• 2:09
  it
• 2:09
  up,
• 2:09
  and
• 2:09
  as
• 2:10
  you
• 2:10
  notice,
• 2:10
  you're
• 2:10
  walking
• 2:11
  across
• 2:11
  the
• 2:11
  room
• 2:11
  and
• 2:11
  things
• 2:11
  are
• 2:12
  just
• 2:12
  dripping
• 2:12
  out
• 2:12
  of
• 2:12
  it.
• 2:12
  Well,
• 2:13
  think
• 2:13
  about
• 2:13
  how
• 2:13
  that
• 2:13
  ties
• 2:14
  directly
• 2:14
  into
• 2:14
  your
• 2:15
  spending.
• 2:15
  Well,
• 2:16
  the
• 2:16
  main
• 2:16
  chief
• 2:16
  things
• 2:17
  that
• 2:17
  people
• 2:17
  talk
• 2:17
  to
• 2:17
  me
• 2:17
  all
• 2:17
  the
• 2:18
  time,
• 2:18
  they
• 2:18
  say,
• 2:18
  rob,
• 2:18
  I
• 2:18
  just
• 2:18
  don't
• 2:19
  understand
• 2:19
  where
• 2:19
  my
• 2:19
  money
• 2:20
  goes.
• 2:21
  It's
• 2:21
  true.
• 2:21
  But
• 2:22
  here's
• 2:22
  the
• 2:22
  thing.
• 2:23
  The
• 2:23
  reason
• 2:23
  people
• 2:23
  don't
• 2:24
  understand
• 2:24
  where
• 2:24
  their
• 2:24
  money
• 2:24
  goes
• 2:25
  is
• 2:26
  because
• 2:26
  they
• 2:26
  haven't
• 2:27
  found
• 2:27
  where
• 2:27
  their
• 2:28
  leaks
• 2:28
  are.
• 2:29
  And
• 2:29
  that's
• 2:29
  really
• 2:30
  the
• 2:30
  whole
• 2:30
  point
• 2:30
  of
• 2:30
  today's
• 2:31
  show.
• 2:31
  I
• 2:31
  want
• 2:31
  to
• 2:31
  talk
• 2:31
  about
• 2:31
  how
• 2:32
  to
• 2:32
  find
• 2:32
  those
• 2:32
  leaks.
• 2:34
  For
• 2:34
  so
• 2:34
  many
• 2:35
  people.
• 2:35
  It's
• 2:35
  things
• 2:35
  like
• 2:35
  forgotten
• 2:36
  subscriptions.
• 2:36
  You
• 2:37
  have
• 2:37
  these
• 2:37
  subscriptions.
• 2:37
  You
• 2:37
  sign
• 2:37
  up
• 2:38
  for
• 2:38
  Netflix,
• 2:38
  you
• 2:38
  sign
• 2:39
  up
• 2:39
  for
• 2:39
  Spotify.
• 2:39
  Hey,
• 2:40
  maybe
• 2:40
  you
• 2:40
  sign
• 2:40
  up
• 2:40
  for
• 2:40
  the
• 2:40
  gym
• 2:41
  and
• 2:41
  you
• 2:41
  Just
• 2:41
  never
• 2:41
  get
• 2:42
  there.
• 2:43
  Those
• 2:43
  forgotten
• 2:43
  subscriptions
• 2:44
  just
• 2:44
  add
• 2:44
  up.
• 2:44
  Because,
• 2:44
  listen,
• 2:45
  it's
• 2:45
  like
• 2:45
  set
• 2:45
  it
• 2:45
  and
• 2:45
  forget.
• 2:46
  It
• 2:46
  just
• 2:46
  gets
• 2:46
  charged
• 2:47
  to
• 2:47
  your
• 2:47
  account
• 2:47
  every
• 2:48
  month.
• 2:48
  You
• 2:48
  just
• 2:48
  forget
• 2:48
  about
• 2:48
  it.
• 2:49
  I
• 2:49
  forgot
• 2:50
  I
• 2:50
  was
• 2:50
  even
• 2:50
  paying
• 2:50
  for
• 2:50
  that.
• 2:50
  I
• 2:51
  haven't
• 2:51
  used
• 2:51
  that
• 2:51
  in
• 2:51
  months.
• 2:52
  Hey,
• 2:53
  listen,
• 2:53
  I'm
• 2:53
  right
• 2:53
  there
• 2:53
  with
• 2:54
  you.
• 2:54
  There's
• 2:55
  one
• 2:55
  particular
• 2:55
  one
• 2:55
  that
• 2:55
  just
• 2:56
  keeps
• 2:56
  on
• 2:56
  renewing
• 2:56
  every
• 2:56
  year.
• 2:57
  And
• 2:57
  I
• 2:57
  finally
• 2:57
  said
• 2:57
  to
• 2:57
  myself,
• 2:58
  you
• 2:58
  know,
• 2:58
  I'm
• 2:58
  just
• 2:58
  gonna.
• 2:58
  I'm
• 2:59
  gonna
• 2:59
  cancel
• 2:59
  it
• 2:59
  right
• 2:59
  now,
• 3:00
  even
• 3:00
  though
• 3:00
  I
• 3:00
  just
• 3:00
  paid
• 3:01
  for
• 3:01
  another
• 3:01
  12
• 3:02
  months.
• 3:03
  For
• 3:03
  a
• 3:03
  lot
• 3:03
  of
• 3:04
  people,
• 3:04
  it's
• 3:04
  so
• 3:04
  small.
• 3:04
  Daily
• 3:05
  habits,
• 3:05
  things
• 3:05
  like
• 3:06
  that.
• 3:06
  Coffee
• 3:06
  stop.
• 3:06
  And,
• 3:07
  you
• 3:07
  know,
• 3:07
  if
• 3:07
  you
• 3:07
  listen
• 3:07
  to
• 3:07
  my
• 3:07
  show,
• 3:08
  you
• 3:08
  probably
• 3:08
  say,
• 3:08
  ralph,
• 3:08
  you're
• 3:08
  always
• 3:09
  picking
• 3:09
  on
• 3:09
  coffee
• 3:09
  spots.
• 3:10
  What's
• 3:11
  a
• 3:11
  leak?
• 3:12
  How
• 3:12
  about
• 3:12
  those
• 3:12
  gas
• 3:13
  station
• 3:13
  stacks?
• 3:13
  I'm
• 3:14
  just
• 3:14
  gonna
• 3:14
  run
• 3:14
  in
• 3:14
  here,
• 3:14
  grab
• 3:14
  something
• 3:15
  really
• 3:15
  quick.
• 3:16
  Or
• 3:17
  maybe
• 3:17
  it's
• 3:17
  just
• 3:17
  convenience
• 3:18
  fees
• 3:18
  in
• 3:18
  general.
• 3:18
  You
• 3:19
  know,
• 3:19
  a
• 3:19
  lot
• 3:19
  of
• 3:19
  people
• 3:19
  don't
• 3:19
  understand
• 3:20
  when
• 3:20
  they
• 3:20
  go
• 3:20
  to
• 3:20
  the
• 3:20
  ATM
• 3:21
  machine.
• 3:22
  I'm
• 3:22
  gonna
• 3:22
  go
• 3:22
  get
• 3:22
  20
• 3:23
  bucks.
• 3:24
  How
• 3:24
  much
• 3:24
  are
• 3:24
  you
• 3:25
  paying
• 3:25
  for
• 3:25
  that?
• 3:25
  How
• 3:26
  much
• 3:26
  is
• 3:26
  your
• 3:26
  bank
• 3:26
  charging
• 3:27
  for
• 3:27
  that?
• 3:27
  How
• 3:27
  much
• 3:27
  is
• 3:27
  the
• 3:27
  ATM
• 3:28
  itself
• 3:28
  charging
• 3:29
  you
• 3:29
  for
• 3:29
  that?
• 3:30
  Not
• 3:30
  to
• 3:30
  mention
• 3:31
  it.
• 3:31
  Impulse
• 3:31
  purchases
• 3:32
  that
• 3:32
  you
• 3:32
  usually
• 3:32
  buy
• 3:32
  with
• 3:33
  that
• 3:33
  cash,
• 3:34
  you
• 3:34
  might
• 3:35
  be
• 3:35
  saying,
• 3:35
  ralph,
• 3:35
  those
• 3:35
  are
• 3:35
  just
• 3:36
  little
• 3:36
  things,
• 3:36
  dude.
• 3:36
  They're
• 3:36
  just
• 3:37
  little
• 3:37
  odds
• 3:37
  and
• 3:38
  ends.
• 3:39
  And
• 3:39
  yes,
• 3:39
  they're
• 3:39
  individually,
• 3:40
  they're
• 3:40
  small,
• 3:41
  but
• 3:42
  when
• 3:42
  you
• 3:42
  add
• 3:42
  them
• 3:42
  all
• 3:43
  together,
• 3:44
  they
• 3:44
  become
• 3:45
  huge
• 3:45
  things.
• 3:46
  They
• 3:47
  become
• 3:47
  really
• 3:47
  big
• 3:48
  things.
• 3:49
  What
• 3:49
  does
• 3:50
  the
• 3:50
  Bible
• 3:50
  tell
• 3:50
  us
• 3:50
  about
• 3:51
  this?
• 3:52
  Stewardship
• 3:53
  means
• 3:53
  plugging
• 3:53
  those
• 3:54
  leaks.
• 3:54
  Stewardship
• 3:55
  means
• 3:55
  taking
• 3:55
  that
• 3:56
  purse
• 3:56
  and
• 3:57
  finding
• 3:57
  out
• 3:57
  where
• 3:57
  the
• 3:57
  money's
• 3:58
  leaking
• 3:58
  into.
• 3:58
  If
• 3:58
  you
• 3:59
  really
• 3:59
  want
• 3:59
  to
• 3:59
  conquer
• 4:00
  your
• 4:01
  financial
• 4:01
  situation,
• 4:02
  if
• 4:02
  you
• 4:02
  really
• 4:02
  want
• 4:02
  to
• 4:02
  get
• 4:02
  ahead,
• 4:03
  start
• 4:03
  saving,
• 4:04
  pay
• 4:04
  off
• 4:04
  debt,
• 4:04
  all
• 4:04
  that
• 4:05
  kind
• 4:05
  of
• 4:05
  thing,
• 4:06
  the
• 4:06
  main
• 4:07
  thing
• 4:07
  you've
• 4:07
  got
• 4:07
  to
• 4:08
  do
• 4:08
  is
• 4:08
  start
• 4:08
  plugging
• 4:09
  those
• 4:09
  leaks.
• 4:09
  Now,
• 4:10
  you
• 4:10
  may
• 4:10
  be
• 4:10
  saying,
• 4:10
  ralph,
• 4:10
  okay,
• 4:11
  great.
• 4:11
  I
• 4:11
  get
• 4:11
  it.
• 4:12
  I've
• 4:12
  got
• 4:12
  the
• 4:12
  purse
• 4:12
  with
• 4:13
  the
• 4:13
  holes
• 4:13
  in
• 4:13
  it.
• 4:13
  I'm
• 4:14
  doing
• 4:14
  all
• 4:14
  the
• 4:14
  things
• 4:14
  you're
• 4:15
  talking
• 4:15
  about.
• 4:16
  How
• 4:16
  do
• 4:16
  I
• 4:17
  get
• 4:17
  past
• 4:17
  that,
• 4:17
  Ralph?
• 4:18
  How
• 4:18
  do
• 4:18
  I
• 4:18
  make
• 4:19
  an
• 4:19
  impact?
• 4:20
  The
• 4:20
  first
• 4:20
  thing
• 4:21
  I
• 4:21
  want
• 4:21
  to
• 4:21
  tell
• 4:21
  you
• 4:21
  to
• 4:21
  do
• 4:21
  is
• 4:21
  go
• 4:22
  look
• 4:22
  at
• 4:22
  your
• 4:22
  bank
• 4:22
  statement.
• 4:23
  Go
• 4:24
  in
• 4:24
  there
• 4:24
  and
• 4:24
  look
• 4:25
  at
• 4:25
  every
• 4:25
  single
• 4:25
  transaction.
• 4:26
  Where
• 4:26
  are
• 4:26
  you
• 4:27
  spending
• 4:27
  your
• 4:27
  money?
• 4:28
  You
• 4:29
  might
• 4:29
  find
• 4:29
  those
• 4:29
  unused
• 4:30
  subscriptions
• 4:30
  there.
• 4:31
  You
• 4:31
  might
• 4:31
  find
• 4:32
  things.
• 4:32
  I
• 4:32
  didn't
• 4:32
  realize
• 4:32
  I
• 4:33
  was
• 4:33
  charged
• 4:33
  this
• 4:33
  overdraft
• 4:34
  fee.
• 4:34
  So
• 4:34
  many
• 4:34
  people
• 4:35
  don't
• 4:35
  realize
• 4:35
  the
• 4:35
  bank
• 4:36
  fees
• 4:36
  they're
• 4:36
  paying
• 4:37
  because
• 4:38
  maybe
• 4:38
  they
• 4:38
  could
• 4:38
  have
• 4:38
  a
• 4:38
  minimum
• 4:39
  balance.
• 4:39
  They
• 4:39
  wouldn't
• 4:40
  get
• 4:40
  charged
• 4:40
  a
• 4:40
  fee
• 4:40
  at
• 4:40
  all.
• 4:40
  So
• 4:41
  audit
• 4:41
  your
• 4:41
  bank
• 4:42
  statements.
• 4:42
  Audit
• 4:42
  your
• 4:42
  credit
• 4:43
  card
• 4:43
  statements.
• 4:44
  A
• 4:44
  lot
• 4:44
  of
• 4:45
  people
• 4:45
  don't
• 4:45
  even
• 4:45
  look
• 4:45
  at
• 4:45
  their
• 4:46
  credit
• 4:46
  card
• 4:46
  statements.
• 4:46
  They
• 4:46
  don't
• 4:47
  read
• 4:47
  the
• 4:47
  credit
• 4:47
  card
• 4:47
  statement.
• 4:48
  I
• 4:48
  think
• 4:48
  this
• 4:48
  is
• 4:48
  one
• 4:48
  of
• 4:48
  the
• 4:49
  things.
• 4:49
  If
• 4:49
  you
• 4:49
  want
• 4:50
  to
• 4:50
  be
• 4:50
  financially
• 4:51
  prudent,
• 4:51
  if
• 4:51
  you
• 4:51
  want
• 4:51
  to
• 4:51
  be
• 4:51
  a
• 4:51
  good
• 4:52
  steward
• 4:52
  of
• 4:52
  your
• 4:53
  resource,
• 4:53
  one
• 4:53
  of
• 4:53
  the
• 4:53
  main
• 4:54
  things
• 4:54
  you've
• 4:54
  got
• 4:54
  to
• 4:55
  start
• 4:55
  doing
• 4:55
  is
• 4:56
  looking
• 4:56
  at
• 4:56
  that
• 4:56
  credit
• 4:57
  card
• 4:57
  statement.
• 4:58
  Read
• 4:58
  that
• 4:58
  thing
• 4:59
  from
• 4:59
  beginning
• 4:59
  to
• 4:59
  end.
• 5:00
  I
• 5:00
  don't
• 5:00
  know
• 5:00
  how
• 5:00
  many
• 5:00
  times
• 5:01
  I've
• 5:01
  worked,
• 5:01
  and
• 5:02
  this
• 5:02
  is
• 5:02
  a
• 5:02
  lot
• 5:02
  of
• 5:02
  times
• 5:02
  I
• 5:02
  work
• 5:03
  with
• 5:03
  a
• 5:03
  business
• 5:03
  client.
• 5:03
  We're
• 5:04
  putting
• 5:04
  their
• 5:04
  books
• 5:04
  together
• 5:05
  at
• 5:05
  year
• 5:05
  end
• 5:05
  to
• 5:05
  do
• 5:05
  their
• 5:06
  taxes.
• 5:06
  And
• 5:07
  I'll
• 5:07
  say
• 5:07
  to
• 5:07
  them,
• 5:07
  do
• 5:07
  you
• 5:07
  realize
• 5:08
  you
• 5:08
  were
• 5:08
  charged
• 5:09
  all
• 5:09
  these
• 5:09
  fees,
• 5:09
  Ralph,
• 5:10
  I
• 5:10
  have
• 5:10
  no
• 5:10
  idea
• 5:10
  what
• 5:10
  you're
• 5:10
  talking
• 5:11
  about.
• 5:11
  Well,
• 5:12
  they
• 5:12
  had
• 5:12
  fraud
• 5:12
  on
• 5:12
  their
• 5:13
  account
• 5:13
  and
• 5:14
  collectively
• 5:14
  they
• 5:14
  were
• 5:15
  little
• 5:15
  odds
• 5:15
  and
• 5:15
  ends,
• 5:16
  but
• 5:16
  they
• 5:16
  weren't
• 5:17
  looking
• 5:17
  at
• 5:17
  it.
• 5:18
  That's
• 5:18
  a
• 5:18
  good
• 5:18
  place
• 5:18
  to
• 5:19
  find
• 5:19
  those
• 5:19
  unused
• 5:19
  subscriptions.
• 5:20
  Also
• 5:20
  look
• 5:20
  at
• 5:21
  your
• 5:21
  credit
• 5:21
  card
• 5:21
  statements.
• 5:22
  It's
• 5:23
  a
• 5:23
  great
• 5:23
  time
• 5:23
  to
• 5:24
  set
• 5:24
  up
• 5:24
  alerts
• 5:24
  or,
• 5:24
  or
• 5:25
  set
• 5:25
  up
• 5:25
  a
• 5:25
  budget.
• 5:26
  We
• 5:26
  talk
• 5:26
  about
• 5:26
  budgets
• 5:27
  on
• 5:27
  the
• 5:27
  show
• 5:27
  all
• 5:27
  the
• 5:28
  time.
• 5:28
  Or
• 5:28
  what
• 5:28
  I
• 5:28
  called
• 5:28
  the
• 5:29
  other
• 5:29
  day
• 5:29
  an
• 5:29
  intentional
• 5:30
  spending
• 5:30
  plan.
• 5:31
  Because
• 5:32
  those
• 5:32
  alerts,
• 5:32
  when
• 5:32
  you
• 5:33
  see
• 5:33
  that
• 5:33
  come
• 5:33
  through,
• 5:33
  one
• 5:33
  of
• 5:33
  the
• 5:34
  best
• 5:34
  things
• 5:34
  I've
• 5:34
  ever
• 5:34
  seen
• 5:35
  somebody
• 5:35
  do
• 5:35
  is
• 5:35
  they
• 5:36
  set
• 5:36
  up
• 5:36
  an
• 5:36
  alert
• 5:36
  whenever
• 5:37
  any.
• 5:37
  Anything
• 5:37
  hits
• 5:38
  their
• 5:38
  account,
• 5:38
  they
• 5:38
  get
• 5:38
  an
• 5:39
  alert.
• 5:39
  Because
• 5:40
  guess
• 5:40
  what?
• 5:40
  They're
• 5:40
  going
• 5:40
  to
• 5:41
  see
• 5:41
  it.
• 5:42
  They're
• 5:42
  going
• 5:42
  to
• 5:42
  see
• 5:43
  it
• 5:43
  and
• 5:43
  they're
• 5:43
  going
• 5:43
  to
• 5:43
  do
• 5:44
  something
• 5:44
  about
• 5:44
  it.
• 5:45
  We
• 5:46
  need
• 5:46
  to
• 5:46
  realign
• 5:46
  our
• 5:46
  priorities.
• 5:48
  We
• 5:48
  need
• 5:49
  to
• 5:49
  realign
• 5:49
  our
• 5:50
  thinking.
• 5:50
  We
• 5:50
  need
• 5:51
  to
• 5:51
  realign
• 5:51
  our
• 5:52
  mindset.
• 5:53
  We
• 5:53
  need
• 5:53
  to
• 5:54
  be
• 5:54
  good
• 5:54
  stewards
• 5:54
  of
• 5:55
  money.
• 5:55
  Because
• 5:56
  here's
• 5:56
  a
• 5:56
  simple
• 5:56
  truth,
• 5:57
  and
• 5:57
  I
• 5:57
  want
• 5:57
  you
• 5:57
  to
• 5:57
  hear
• 5:57
  this
• 5:57
  because
• 5:58
  this
• 5:58
  is
• 5:58
  my
• 5:58
  hug
• 5:58
  to
• 5:59
  you
• 5:59
  today.
• 5:59
  I
• 5:59
  mean,
• 5:59
  I
• 5:59
  want
• 6:00
  to
• 6:00
  share
• 6:00
  love
• 6:00
  with
• 6:00
  you
• 6:00
  today.
• 6:01
  God
• 6:02
  doesn't
• 6:02
  want
• 6:02
  you
• 6:02
  working
• 6:03
  hard
• 6:03
  only
• 6:03
  to
• 6:03
  feel
• 6:04
  empty.
• 6:05
  God
• 6:05
  doesn't
• 6:06
  want
• 6:06
  you
• 6:06
  to
• 6:06
  have
• 6:06
  that
• 6:06
  purse
• 6:07
  with
• 6:07
  the
• 6:07
  holes
• 6:07
  in
• 6:07
  it.
• 6:07
  That's
• 6:08
  why
• 6:08
  I
• 6:08
  put
• 6:08
  it
• 6:08
  in
• 6:08
  the
• 6:08
  scripture.
• 6:08
  He's
• 6:09
  trying
• 6:09
  to
• 6:09
  point
• 6:09
  out
• 6:09
  something.
• 6:10
  He's
• 6:10
  trying
• 6:10
  to
• 6:11
  show
• 6:11
  you
• 6:11
  something.
• 6:11
  He's
• 6:12
  trying
• 6:12
  to
• 6:12
  show
• 6:12
  you
• 6:12
  a
• 6:12
  way
• 6:12
  to
• 6:13
  get
• 6:13
  past
• 6:13
  that.
• 6:14
  God
• 6:15
  wants
• 6:15
  you
• 6:15
  to
• 6:15
  experience
• 6:16
  peace
• 6:16
  and
• 6:16
  he
• 6:16
  wants
• 6:17
  you
• 6:17
  to
• 6:17
  experience
• 6:18
  provision.
• 6:19
  So
• 6:19
  here's
• 6:20
  my
• 6:20
  one
• 6:20
  action
• 6:21
  step
• 6:21
  for
• 6:21
  today,
• 6:21
  this
• 6:22
  week
• 6:22
  or
• 6:22
  today.
• 6:22
  I
• 6:22
  just
• 6:22
  want
• 6:23
  you
• 6:23
  to
• 6:23
  ask
• 6:23
  God
• 6:24
  to
• 6:24
  just
• 6:24
  pray.
• 6:25
  Just
• 6:25
  pray
• 6:25
  about
• 6:25
  this.
• 6:25
  Say,
• 6:26
  God,
• 6:26
  show
• 6:26
  me
• 6:26
  the
• 6:27
  leaks
• 6:27
  in
• 6:27
  my
• 6:27
  spending.
• 6:29
  Lord,
• 6:29
  help
• 6:29
  me
• 6:29
  to
• 6:30
  have
• 6:30
  the
• 6:30
  energy
• 6:30
  and
• 6:31
  determination
• 6:32
  to
• 6:32
  go
• 6:32
  look
• 6:32
  at
• 6:32
  that
• 6:32
  bank
• 6:32
  statement
• 6:33
  like
• 6:33
  Ralph
• 6:33
  said,
• 6:33
  to
• 6:33
  go
• 6:34
  look
• 6:34
  at
• 6:34
  those
• 6:34
  credit
• 6:34
  card
• 6:34
  statements
• 6:35
  and
• 6:35
  really
• 6:36
  examine
• 6:36
  where
• 6:36
  my
• 6:37
  money's
• 6:37
  going.
• 6:37
  Start
• 6:37
  to
• 6:38
  track
• 6:38
  where
• 6:38
  my
• 6:38
  money's
• 6:39
  going.
• 6:40
  Because
• 6:40
  you
• 6:40
  could
• 6:41
  just
• 6:41
  take
• 6:41
  one
• 6:41
  step
• 6:42
  this
• 6:42
  week
• 6:42
  to
• 6:42
  patch
• 6:42
  some
• 6:43
  of
• 6:43
  those
• 6:43
  items.
• 6:43
  I'm
• 6:43
  going
• 6:43
  to
• 6:43
  tell
• 6:44
  you
• 6:44
  right
• 6:44
  now,
• 6:45
  it
• 6:45
  will
• 6:45
  be
• 6:46
  an
• 6:46
  amazing
• 6:47
  shift
• 6:48
  in
• 6:48
  your
• 6:48
  complete
• 6:49
  financial
• 6:49
  situation.
• 6:50
  How
• 6:50
  about
• 6:50
  we
• 6:51
  pray
• 6:51
  together?
• 6:52
  Father
• 6:52
  God,
• 6:53
  we
• 6:53
  come
• 6:53
  to
• 6:53
  you
• 6:53
  right
• 6:53
  now
• 6:53
  and
• 6:54
  we
• 6:54
  know
• 6:54
  we're
• 6:54
  broken
• 6:55
  people,
• 6:55
  Lord.
• 6:56
  We
• 6:56
  know
• 6:56
  in
• 6:57
  so
• 6:57
  many
• 6:57
  ways
• 6:57
  that
• 6:58
  we
• 6:58
  aren't
• 6:58
  good
• 6:58
  stewards
• 6:59
  of
• 6:59
  the
• 6:59
  resources
• 7:00
  you've
• 7:00
  given
• 7:00
  us,
• 7:00
  Lord.
• 7:00
  And
• 7:01
  we
• 7:01
  need
• 7:01
  your
• 7:01
  help
• 7:01
  right
• 7:01
  now.
• 7:02
  We
• 7:02
  need
• 7:02
  your
• 7:02
  help
• 7:03
  today
• 7:03
  to
• 7:03
  help
• 7:03
  us
• 7:04
  plug
• 7:04
  up
• 7:04
  some
• 7:04
  of
• 7:04
  these
• 7:04
  leaks.
• 7:05
  Lord.
• 7:05
  She
• 7:06
  show
• 7:06
  us
• 7:06
  where
• 7:06
  we
• 7:07
  have
• 7:07
  these
• 7:07
  shortcomings,
• 7:08
  Lord,
• 7:08
  and
• 7:08
  give
• 7:08
  us
• 7:09
  the
• 7:09
  courage,
• 7:09
  the
• 7:09
  strength,
• 7:10
  the
• 7:10
  determination
• 7:11
  to
• 7:11
  actually
• 7:12
  do
• 7:12
  something
• 7:12
  about
• 7:13
  it.
• 7:13
  Lord,
• 7:14
  we
• 7:14
  know
• 7:14
  that
• 7:15
  you
• 7:15
  want
• 7:15
  us
• 7:15
  to
• 7:15
  experience
• 7:16
  peace.
• 7:16
  We
• 7:16
  know
• 7:16
  that
• 7:17
  you
• 7:17
  want
• 7:17
  us
• 7:17
  to
• 7:17
  experience
• 7:18
  provision,
• 7:18
  Lord.
• 7:19
  So
• 7:20
  I
• 7:20
  ask
• 7:20
  that
• 7:20
  you
• 7:20
  would
• 7:20
  help
• 7:20
  me
• 7:21
  to
• 7:21
  do
• 7:21
  that
• 7:21
  today.
• 7:21
  And
• 7:21
  I
• 7:22
  asked
• 7:22
  this
• 7:22
  in
• 7:22
  complete
• 7:23
  confidence,
• 7:23
  knowing
• 7:23
  that
• 7:23
  you
• 7:24
  will
• 7:24
  do
• 7:24
  it
• 7:24
  for
• 7:24
  us,
• 7:25
  Lord,
• 7:26
  in
• 7:26
  Jesus
• 7:26
  name
• 7:27
  we
• 7:27
  pray.
• 7:28
  Amen.
• 7:29
  Listen,
• 7:30
  as
• 7:30
  I
• 7:30
  said,
• 7:32
  God
• 7:32
  doesn't
• 7:32
  want
• 7:32
  you
• 7:32
  working
• 7:33
  hard
• 7:33
  only
• 7:33
  to
• 7:33
  feel
• 7:34
  empty.
• 7:35
  God
• 7:35
  wants
• 7:35
  you
• 7:36
  to
• 7:36
  feel
• 7:36
  the
• 7:36
  abundance
• 7:36
  of
• 7:37
  everything
• 7:37
  he's
• 7:37
  given
• 7:38
  you.
• 7:38
  He's
• 7:38
  given
• 7:38
  you
• 7:38
  all
• 7:38
  these
• 7:39
  things.
• 7:39
  He
• 7:39
  just
• 7:39
  wants
• 7:39
  you
• 7:40
  to
• 7:40
  steward
• 7:40
  them
• 7:40
  wisely.
• 7:42
  And
• 7:42
  here's
• 7:42
  something
• 7:42
  I'd
• 7:43
  like
• 7:43
  to
• 7:43
  give
• 7:43
  you.
• 7:43
  I'd
• 7:43
  love
• 7:43
  to
• 7:43
  give
• 7:43
  you
• 7:44
  a
• 7:44
  copy
• 7:44
  of
• 7:44
  my
• 7:44
  new
• 7:45
  book.
• 7:45
  I
• 7:45
  just
• 7:45
  released
• 7:45
  this
• 7:45
  book.
• 7:46
  It's
• 7:46
  called
• 7:46
  how
• 7:46
  to
• 7:46
  Become
• 7:47
  a
• 7:47
  Financially
• 7:48
  Confident
• 7:48
  Christian.
• 7:48
  It's
• 7:49
  a
• 7:49
  book
• 7:49
  that
• 7:49
  is
• 7:49
  a
• 7:50
  passion
• 7:50
  of
• 7:50
  mine.
• 7:51
  So
• 7:51
  many
• 7:51
  people
• 7:52
  are
• 7:52
  struggling
• 7:52
  with
• 7:53
  their
• 7:53
  finances
• 7:53
  and
• 7:53
  I
• 7:53
  just
• 7:54
  want
• 7:54
  to
• 7:54
  offer
• 7:54
  this
• 7:54
  to
• 7:54
  you
• 7:55
  for
• 7:55
  absolutely
• 7:55
  nothing
• 7:56
  today.
• 7:56
  You
• 7:56
  can
• 7:56
  get
• 7:56
  it
• 7:56
  by
• 7:57
  going
• 7:57
  to
• 7:57
  financial.
• 7:57
  Financially
• 7:58
  confidentchristian.com
• 8:01
  becoming
• 8:02
  Again,
• 8:02
  that's
• 8:03
  financially
• 8:04
  confidentchristian.com
• 8:06
  becoming.
• 8:07
  I
• 8:07
  would
• 8:07
  love
• 8:08
  to
• 8:08
  share
• 8:08
  that
• 8:08
  with
• 8:08
  you
• 8:08
  because
• 8:09
  it'll
• 8:09
  be
• 8:09
  simple
• 8:09
  steps
• 8:10
  to
• 8:10
  help
• 8:10
  you
• 8:11
  finally
• 8:11
  get
• 8:11
  to
• 8:11
  that
• 8:12
  point
• 8:12
  of
• 8:12
  becoming
• 8:13
  a
• 8:13
  financially
• 8:14
  confident
• 8:14
  Christian.
• 8:15
  Now
• 8:15
  listen,
• 8:15
  today
• 8:16
  I
• 8:16
  just
• 8:16
  want
• 8:16
  to
• 8:16
  leave
• 8:16
  you
• 8:16
  with
• 8:16
  this.
• 8:17
  I
• 8:18
  have
• 8:18
  confidence
• 8:18
  in
• 8:19
  you.
• 8:19
  You
• 8:19
  can
• 8:19
  do
• 8:19
  this.
• 8:20
  Just
• 8:21
  take
• 8:21
  one
• 8:21
  small
• 8:22
  step
• 8:22
  today.
• 8:22
  Read
• 8:22
  that
• 8:22
  bank
• 8:23
  statement.
• 8:23
  Look
• 8:23
  at
• 8:23
  that
• 8:23
  credit
• 8:24
  card
• 8:24
  statement.
• 8:24
  Start
• 8:25
  tracking
• 8:25
  where
• 8:25
  your
• 8:26
  money's
• 8:26
  going
• 8:26
  to.
• 8:27
  Because
• 8:27
  God
• 8:27
  wants
• 8:28
  you
• 8:28
  to
• 8:28
  find
• 8:28
  financial
• 8:28
  peace.
• 8:29
  He
• 8:29
  doesn't
• 8:29
  want
• 8:29
  you
• 8:29
  to
• 8:30
  battle.
• 8:30
  He
• 8:30
  doesn't
• 8:30
  want
• 8:31
  you
• 8:31
  to
• 8:31
  be
• 8:31
  stuck
• 8:31
  in
• 8:32
  that
• 8:32
  cycle
• 8:32
  of
• 8:33
  financial
• 8:33
  shame.
• 8:33
  He
• 8:33
  wants
• 8:34
  you
• 8:34
  to
• 8:34
  break
• 8:34
  free
• 8:34
  of
• 8:34
  that
• 8:34
  with
• 8:35
  confidence.
• 8:36
  So
• 8:36
  again,
• 8:36
  go
• 8:37
  get
• 8:37
  a
• 8:37
  copy
• 8:37
  of
• 8:37
  my
• 8:37
  book.
• 8:37
  You
• 8:38
  can
• 8:38
  get
• 8:38
  that
• 8:38
  at
• 8:38
  financiallyconfidentchristian.com
• 8:41
  becoming.
• 8:42
  And
• 8:42
  I
• 8:42
  just
• 8:43
  wish
• 8:43
  you
• 8:43
  peace
• 8:43
  today.
• 8:44
  God
• 8:44
  bless
• 8:44
  you.
• 8:45
  You
• 8:45
  have
• 8:45
  a
• 8:45
  great
• 8:45
  day
• 8:46
  today.