Latest / Life, Finance, & Real Estate with KirbyTheRealtor / Episode 21 | Life Be Lifin’… But Are You Ready to Move?

Transcript

Episode 21 | Life Be Lifin’… But Are You Ready to Move? · Life, Finance, & Real Estate with KirbyTheRealtor

• 0:00
  SPEAKER_00: Welcome to life.
• 0:02
  SPEAKER_00: Finance and real estate.
• 0:04
  SPEAKER_00: We're just gonna time to make smart money moves.
• 0:07
  SPEAKER_00: The ever changing real estate market, and of course, things going on in life.
• 1:30
  SPEAKER_03: Hey family, hey family, welcome back to Life Finance and Real Estate with the girl Kirby the Realtor.
• 1:37
  SPEAKER_03: Yes, that is me.
• 1:38
  SPEAKER_03: Today's episode is a special replay.
• 1:41
  SPEAKER_03: And honestly, I had to run this one back because the response was incredible.
• 1:45
  SPEAKER_03: Do you hear me?
• 1:46
  SPEAKER_03: I received so many messages, questions, comments, and the conversations from listeners after this episode aired that I knew it needed another moment.
• 1:55
  SPEAKER_03: Sometimes an episode doesn't just have good sound, it hits very hard.
• 2:01
  SPEAKER_03: It's something deeper, and it's the conversation on alignment did exactly just that.
• 2:06
  SPEAKER_03: In this episode, we're talking about the gap between knowing what to do and actually doing it because the truth is a lot of people are informed, but they are not transformed.
• 2:17
  SPEAKER_03: A lot of people know the right steps financially, personally, spiritually, and professionally, but still feel stuck because their actions are not aligned with what they truly say they want.
• 2:29
  SPEAKER_03: This episode is not to hype you up, make you feel good.
• 2:32
  SPEAKER_03: It's about it's not about motivating you, but it is about alignment.
• 2:36
  SPEAKER_03: We're gonna break down what alignment really means, why knowledge without action changes absolutely what nothing.
• 2:43
  SPEAKER_03: How misalignment delays progress, the roles discipline plays in success, and why follow through reveals what you truly believe.
• 2:52
  SPEAKER_03: If you ever found yourself saying, I know better, but I'm still not moving forward, then this conversation, my friend, it is for you.
• 3:00
  SPEAKER_03: So whether you're listening for the very first time or tuning in again, I want you to really listen closely to this message and ask yourself, where in my life am I out of alignment and what needs to change?
• 3:13
  SPEAKER_03: Now let's run it back.
• 3:14
  SPEAKER_03: This episode four of Life Finance and Real Estate with your girl Kirby the Realtor.
• 3:19
  SPEAKER_03: And as always, thank you for listening, supporting, sharing, and growing with me.
• 3:23
  SPEAKER_03: I love to hear from you if this episode encourages you, if it teaches you something, if you want my what I spend.
• 3:30
  SPEAKER_03: She let me know.
• 3:31
  SPEAKER_03: Please leave a review, share your biggest takeaway, your feedback helps this show grow and help others find it.
• 3:38
  SPEAKER_03: Now, let's get into today's replay.
• 3:40
  SPEAKER_03: If this is your first time tuning in, I want to welcome you.
• 3:44
  SPEAKER_03: And if you've been with me these past few weeks, thank you for staying in the room.
• 3:49
  SPEAKER_03: So, before we do anything else today, I want you to be settled for a moment.
• 3:52
  SPEAKER_03: So, wherever you're listening from, I just need you present.
• 3:56
  SPEAKER_03: This conversation is all about alignment today, and alignment requires honesty.
• 4:01
  SPEAKER_03: And over the last few weeks, we've been building something intentionally.
• 4:06
  SPEAKER_03: Week one, we talked about owning a piece of America and how ownership starts in the mind, not with money, not with credit, but with your mindset.
• 4:16
  SPEAKER_03: Week two, we talked about moving from hoping and intuition to owning because hope without action keeps you stuck.
• 4:24
  SPEAKER_03: Week three, we talked about walking in authority, stepping out of those comfort zones, and doing what needs to be done even when it's uncomfortable.
• 4:32
  SPEAKER_03: Let me say it one more time.
• 4:34
  SPEAKER_03: Doing what needs to be done even when it's uncomfortable.
• 4:38
  SPEAKER_03: And today, week four, we're gonna bring all of it together because knowing is not the same as doing, and information alone does not change lives.
• 4:47
  SPEAKER_03: Guess what does?
• 4:48
  SPEAKER_03: Alignment does.
• 4:49
  SPEAKER_03: So today we're talking about alignment, we're talking about discipline and follow through.
• 4:54
  SPEAKER_03: And I want to say this early.
• 4:55
  SPEAKER_03: If something I say today makes you feel uncomfortable, then good.
• 4:59
  SPEAKER_03: It's not an attack on you or anything because you need to be uncomfortable.
• 5:03
  SPEAKER_03: Get comfortable being uncomfortable.
• 5:05
  SPEAKER_03: It's not to attack you by any means, but it's an invitation to hit that reset button.
• 5:10
  SPEAKER_03: So I need you to envision a reset button and I need you to hit it right now.
• 5:14
  SPEAKER_03: And let me say this clearly: most people do not fail because they don't know enough.
• 5:19
  SPEAKER_03: They simply fail because what they know and what they do does not line up.
• 5:25
  SPEAKER_03: See, we live in a world full of information.
• 5:28
  SPEAKER_03: Full of it.
• 5:29
  SPEAKER_03: Podcasts, books, videos, social media, different courses, uh, workshops, all of this.
• 5:36
  SPEAKER_03: You can learn something new every single day.
• 5:39
  SPEAKER_03: But learning without alignment, guess what it creates?
• 5:43
  SPEAKER_03: Frustration.
• 5:44
  SPEAKER_03: Because when you know better, but you don't do better, you don't feel motivated.
• 5:49
  SPEAKER_03: You feel conflicted.
• 5:50
  SPEAKER_03: I know people every day they tell you they know what they're supposed to be doing.
• 5:55
  SPEAKER_03: They know if they did this, that this will get better, and all of this stuff.
• 5:59
  SPEAKER_03: So they're conflicted, but they have no motivation and they're just laying there, but they know better.
• 6:04
  SPEAKER_03: See, information without implementation becomes mental cluttering.
• 6:09
  SPEAKER_03: And let me give you another example of that.
• 6:11
  SPEAKER_03: When you listen at all these podcasts and you read all these books and go to all these conferences and you get all this great information, you buy all these different books.
• 6:21
  SPEAKER_03: To me, that's mental clutter because you're not implementing it.
• 6:26
  SPEAKER_03: I meet people all the time who know their credit scores down to the last number.
• 6:31
  SPEAKER_03: They watch the market, they they can tell you exactly what it was hurting their scores, they can tell you what needs to change year after year.
• 6:40
  SPEAKER_03: But nothing changes.
• 6:42
  SPEAKER_03: They don't change.
• 6:43
  SPEAKER_03: Not because they don't know, it's because they don't act.
• 6:46
  SPEAKER_03: I meet people who say they want to buy a house and they've been saying it for years.
• 6:50
  SPEAKER_03: They talk about the interest rates, they scroll through listings, they're watching what house pinned it.
• 6:56
  SPEAKER_03: They can tell you things, and you just like, okay.
• 6:58
  SPEAKER_03: And they tell you they're ready, they really are ready to buy a house, and they're not gonna be in the apartment or wherever they're doing.
• 7:04
  SPEAKER_03: They they're gonna buy a house, but they never sit down and talk to a lender, they don't talk to a realtor.
• 7:10
  SPEAKER_03: I've asked them to set up meetings with me.
• 7:12
  SPEAKER_03: I've tried to put them in touch with credit repair people, and they keep saying it, and they say, Well, I know what to do, I know I need to do this.
• 7:18
  SPEAKER_03: I know and then move them, not one bit.
• 7:22
  SPEAKER_03: But action would have, they probably would have a house by now if they had to take an action.
• 7:27
  SPEAKER_03: See, alignment is when your beliefs and your decisions and your actions all move in the same direction.
• 7:35
  SPEAKER_03: It's when your mouth and your calendar agrees, it's when your goals and your habits stop fighting each other.
• 7:42
  SPEAKER_03: Alignment doesn't mean perfection, it means consistency.
• 7:46
  SPEAKER_03: I am guilty.
• 7:47
  SPEAKER_03: When I first opened my brokerage, I thought everything had to be perfect before I implemented something.
• 7:53
  SPEAKER_03: And that wasn't so.
• 7:55
  SPEAKER_03: It didn't need to be.
• 7:56
  SPEAKER_03: What I needed to do, I didn't need to make sure it was perfect.
• 7:59
  SPEAKER_03: I just needed to do the right things consistently.
• 8:02
  SPEAKER_03: There's a saying that says you don't need to do everything right, you just need to do the right things consistently.
• 8:08
  SPEAKER_03: And that's all I needed to do.
• 8:10
  SPEAKER_03: So if you're listening right now and you're realizing you already know what you need to do, this episode is your confirmation.
• 8:18
  SPEAKER_03: Just look at it as your confirmation.
• 8:20
  SPEAKER_03: If you have friends, family, colleagues, or somebody you're close to and they know they know what they need to do, send the link.
• 8:27
  SPEAKER_03: Tell them to tune in because this episode is their confirmation.
• 8:30
  SPEAKER_03: See, alignment shows up in everyday decisions.
• 8:34
  SPEAKER_03: A lot of people say, I want ownership.
• 8:37
  SPEAKER_03: But alignment asks whether your spending reflects that.
• 8:41
  SPEAKER_03: You want ownership, but you're buying Taco Bell every day, Chick-fil-A every day, Starbucks every day.
• 8:47
  SPEAKER_03: Your spending habits doesn't show that you want to become an owner because you're not even being a good steward over your money.
• 8:52
  SPEAKER_03: You say you want peace.
• 8:54
  SPEAKER_03: But alignment says, What are you allowing that keeps disrupting your peace?
• 8:59
  SPEAKER_03: What is disrupting your peace?
• 9:01
  SPEAKER_03: What do you keep allowing to disrupt your peace?
• 9:04
  SPEAKER_03: You say you want growth.
• 9:06
  SPEAKER_03: And the lineman says, Well, what are you avoiding?
• 9:08
  SPEAKER_03: Because it feels uncomfortable.
• 9:10
  SPEAKER_03: You're avoiding the truth that what I spend sheet that I kept avoiding?
• 9:14
  SPEAKER_03: You're avoiding the truth, you don't want to write it down, you don't want to see it?
• 9:18
  SPEAKER_03: Hmm?
• 9:18
  SPEAKER_03: Are you avoiding that?
• 9:20
  SPEAKER_03: You won't grow, but you don't want to be uncomfortable.
• 9:23
  SPEAKER_03: Make it make sense.
• 9:25
  SPEAKER_03: There's a story I heard about a dog.
• 9:28
  SPEAKER_03: Um, somebody was walking, and they said they noticed a dog in the yard, just a squealing, and the owner was sitting on the porch.
• 9:36
  SPEAKER_03: Hear me now.
• 9:37
  SPEAKER_03: The owner was sitting on the porch and this dog was just, you know, making a noise.
• 9:42
  SPEAKER_03: And this person said, I walk by here every day, and that dog is squealing.
• 9:45
  SPEAKER_03: Why is that dog squealing?
• 9:47
  SPEAKER_03: And the owner said, Well, I guess he's not comfortable enough.
• 9:51
  SPEAKER_03: And the person walking was like, What do you mean?
• 9:54
  SPEAKER_03: And he said, Well, when it hurts bad enough, it's not hurting him bad enough.
• 9:59
  SPEAKER_03: He's not uncomfortable enough.
• 10:01
  SPEAKER_03: He's not gonna move.
• 10:03
  SPEAKER_03: So, and he stayed there on that nail.
• 10:05
  SPEAKER_03: If he had a guy up, when you get up and move, you can stop.
• 10:08
  SPEAKER_03: The pain will stop.
• 10:09
  SPEAKER_03: The pain of regret.
• 10:11
  SPEAKER_03: The pain will stop.
• 10:12
  SPEAKER_03: Get up, get off the nail, get to moving.
• 10:15
  SPEAKER_03: Alignment is not loud, it does not announce itself.
• 10:18
  SPEAKER_03: It's quiet, it's disciplined, and it's intentional.
• 10:21
  SPEAKER_03: Misalignment feels like exhaustion.
• 10:24
  SPEAKER_03: Alignment feels like clarity.
• 10:26
  SPEAKER_03: How many of you have been exhausted because you weren't aligned?
• 10:30
  SPEAKER_03: You didn't have your goals and your visions, and you just felt like you just running and going in circles, you were not aligned.
• 10:36
  SPEAKER_03: But when you have alignment and you you can see clear, I can see clearly now the rain is gone.
• 10:45
  SPEAKER_03: When you can see clear, it feels so good.
• 10:48
  SPEAKER_03: There's a peace, there's a calm.
• 10:50
  SPEAKER_03: Because when things feel chaotic, it's not because life is hard, it's because something is out of order.
• 10:57
  SPEAKER_03: Think about it.
• 10:57
  SPEAKER_03: When things are out of order, you just feel like you always hear people say something not right, something not right.
• 11:03
  SPEAKER_03: But when it's right, they're they feel calm, they feel at peace.
• 11:08
  SPEAKER_03: See, order doesn't come from motivation, it comes from discipline.
• 11:12
  SPEAKER_03: Let me ask you this honestly.
• 11:14
  SPEAKER_03: Where are you out of order right now in your life?
• 11:17
  SPEAKER_03: Is it your finances?
• 11:20
  SPEAKER_03: Is it your time, your habits, your focus?
• 11:23
  SPEAKER_03: What keeps getting pushed to next month?
• 11:26
  SPEAKER_03: What keeps getting delayed even though you know better?
• 11:29
  SPEAKER_03: Just name one area of misalignment because awareness is where change begins.
• 11:35
  SPEAKER_03: And when you come become aware of your situation, you can begin to change things so that things could be better.
• 11:42
  SPEAKER_03: So if you're tuning in, this is Life Finance and Real Estate with your girl Kirby the realtor.
• 11:47
  SPEAKER_03: And today we're talking about alignment, discipline, and follow-through.
• 11:52
  SPEAKER_03: This episode is about preparation.
• 11:55
  SPEAKER_03: If this conversation is helping you, share it with someone who keeps saying one day.
• 12:00
  SPEAKER_03: And remember, this episode replay is at 6 p.m.
• 12:03
  SPEAKER_03: Sometimes you need to hear the truth twice.
• 12:05
  SPEAKER_03: But let me take a moment for anyone who may be listening for the very first time.
• 12:09
  SPEAKER_03: Life, finance, and real estate exist because there are so many people who were never taught how these areas connect.
• 12:17
  SPEAKER_03: See, life affects how you think, mindset affects how you make decisions, and decisions affect your finances.
• 12:26
  SPEAKER_03: And finances affects your ability to own, to build, and leave something behind.
• 12:33
  SPEAKER_03: This show is not about perfection, it is about education, alignment, and ownership.
• 12:40
  SPEAKER_03: And I believe when people understand how money works and how real estate works and how the mindset shapes both, they stop surviving and they start building.
• 12:52
  SPEAKER_03: See, this platform exists to help you think clearly, plan intentionally, and move with purpose, not just in real estate, but in life.
• 13:01
  SPEAKER_03: Because ownership is not just about owning property, it's about owning your responsibility, about stewardship, it's about positioning yourself for stability, freedom, and legacy.
• 13:12
  SPEAKER_03: That's why we talk about all three: life, finance, and real estate.
• 13:17
  SPEAKER_03: Last week we talked about authority.
• 13:20
  SPEAKER_03: And authority is not just confidence, authority is responsibility.
• 13:25
  SPEAKER_03: See, discipline is how authority shows up in real life.
• 13:29
  SPEAKER_03: Discipline looks like budgeting when it's uncomfortable.
• 13:32
  SPEAKER_03: And it took me a minute to grasp budgeting.
• 13:36
  SPEAKER_03: It took me a minute, y'all, because I was just like, how do I budget when I don't have?
• 13:42
  SPEAKER_03: And I'm laughing because I it was so uncomfortable for me.
• 13:46
  SPEAKER_03: Like, I just didn't have what I needed.
• 13:49
  SPEAKER_03: I looked to my right and I'm like, I got more on the right than I have on the left.
• 13:54
  SPEAKER_03: And what was uncomfortable is trying to um trying to direct my money to go somewhere when I know that it wasn't there, y'all.
• 14:02
  SPEAKER_03: And that was uncomfortable.
• 14:04
  SPEAKER_03: That's why I didn't want to do that sheet.
• 14:06
  SPEAKER_03: So doing that sheet helped me become aware of where I was.
• 14:10
  SPEAKER_03: I began to tell my money where to go instead of me trying to figure out where it went.
• 14:14
  SPEAKER_03: It was uncomfortable.
• 14:16
  SPEAKER_03: I didn't want to do that what I spend sheet.
• 14:18
  SPEAKER_03: But now I give my money direction.
• 14:20
  SPEAKER_03: I know what bills come out, what date of the month, how much needs to be allocated for this expense, how much.
• 14:27
  SPEAKER_03: And it was uncomfortable at first.
• 14:29
  SPEAKER_03: But it also led to me being able to save before I spent.
• 14:33
  SPEAKER_03: I began to prepare before opportunity shows up.
• 14:36
  SPEAKER_03: And that can go a lot of ways.
• 14:38
  SPEAKER_03: I teach my team, especially the newer ones, like, hey, I need you to be in position.
• 14:44
  SPEAKER_03: Your posture needs to be correct.
• 14:46
  SPEAKER_03: Like, you need to make sure you got all these, got your systems in place, have a system.
• 14:50
  SPEAKER_03: So when that harvest starts to produce, when the seeds you plant it, and God begins to give you what you pray for, you're in the posture to receive.
• 15:02
  SPEAKER_03: You are prepared.
• 15:03
  SPEAKER_03: So when opportunity shows up, you're ready.
• 15:06
  SPEAKER_03: Saying no to distractions, doing the boring, unglamorous things.
• 15:11
  SPEAKER_03: See, discipline is not punishment, discipline is proof that you believe what you say.
• 15:16
  SPEAKER_03: You say you want ownership.
• 15:18
  SPEAKER_03: So discipline is gonna help you create the structure to support it.
• 15:22
  SPEAKER_03: If you say you want freedom, discipline helps protect it.
• 15:26
  SPEAKER_03: See, authority without discipline creates burnout.
• 15:30
  SPEAKER_03: But authority with discipline creates results.
• 15:34
  SPEAKER_03: When we talk about discipline, people often think it only matters when life is good.
• 15:39
  SPEAKER_03: But see, discipline matters most when life does not make sense.
• 15:44
  SPEAKER_03: See, let me tell y'all a story.
• 15:45
  SPEAKER_03: Y'all know the story.
• 15:46
  SPEAKER_03: Joseph had a vision before he ever had a position.
• 15:50
  SPEAKER_03: See, God showed him where he was going long before.
• 15:54
  SPEAKER_03: He showed him how he would get there.
• 15:57
  SPEAKER_03: Joseph was portrayed by his brothers.
• 16:00
  SPEAKER_03: They threw him in a pit, they took his coat, they sold him into slavery.
• 16:04
  SPEAKER_03: Joseph was lied on, he was in prison, but yet he did not abandon excellence.
• 16:09
  SPEAKER_03: Even in prison, Joseph had a mindset that was intact.
• 16:14
  SPEAKER_03: Even in obscurity, Joseph was disciplined.
• 16:16
  SPEAKER_03: It was his discipline was intact.
• 16:19
  SPEAKER_03: See, Joseph didn't suddenly become disciplined when he became powerful.
• 16:23
  SPEAKER_03: I need y'all to hear me.
• 16:24
  SPEAKER_03: He became powerful because he was disciplined long before anybody was watching.
• 16:30
  SPEAKER_03: Joseph was already disciplined.
• 16:33
  SPEAKER_03: Now let's talk about Daniel.
• 16:35
  SPEAKER_03: Daniel did not choose captivity, it was forced on him.
• 16:39
  SPEAKER_03: Daniel was removed from everything familiar, and he was placed inside a system that was designed to reshape him.
• 16:48
  SPEAKER_03: New language, new customs, new expectations.
• 16:52
  SPEAKER_03: Daniel understood something early in life.
• 16:55
  SPEAKER_03: If he lost alignment internally, the prayer of the fasting, he would lose authority externally.
• 17:03
  SPEAKER_03: He didn't rebel emotionally, he didn't blend in quietly.
• 17:07
  SPEAKER_03: Daniel made intentional decisions about what he would and would not compromise.
• 17:13
  SPEAKER_03: See, Daniel stayed disciplined in prayer, even when it put his life at risk, at risk.
• 17:20
  SPEAKER_03: He stayed disciplined.
• 17:21
  SPEAKER_03: He knew this is what I have done and I've always done, and God has always heard my prayers.
• 17:28
  SPEAKER_03: He stayed disciplined, even when his life was at risk.
• 17:30
  SPEAKER_03: He stayed disciplined in his devotion.
• 17:33
  SPEAKER_03: Even when obedience made him stand out.
• 17:35
  SPEAKER_03: He stayed disciplined in his thinking.
• 17:38
  SPEAKER_03: Even when he was surrounded by pressure to conform, Daniel stayed disciplined.
• 17:44
  SPEAKER_03: Daniel planned his obedience before the test ever showed up.
• 17:49
  SPEAKER_03: That preparation protected him.
• 17:52
  SPEAKER_03: See, Joseph anticipated responsibility even in prison.
• 17:57
  SPEAKER_03: Daniel anticipated resistance even in captivity.
• 18:02
  SPEAKER_03: They didn't drift, they didn't react.
• 18:04
  SPEAKER_03: They stayed aligned.
• 18:07
  SPEAKER_03: See, what you do consistently when things are quiet determines how you respond when pressure shows up.
• 18:15
  SPEAKER_03: Your discipline today is either preparing you for opportunities or is positioning you for unnecessary struggles.
• 18:21
  SPEAKER_03: That's why discipline is the evidence of authority.
• 18:25
  SPEAKER_03: Let me give you one more example.
• 18:27
  SPEAKER_03: It's one of my favorite because not a lot of people focus on the story of Nehemiah, but if you get time, go read the story about Nehemiah because this one brings everything together for me.
• 18:37
  SPEAKER_03: Nehemiah didn't start with emotions.
• 18:39
  SPEAKER_03: He didn't start with movement.
• 18:41
  SPEAKER_03: He started with awareness.
• 18:44
  SPEAKER_03: When he heard the walls were broken down, he didn't rush.
• 18:48
  SPEAKER_03: He didn't react out of frustration.
• 18:50
  SPEAKER_03: He paused.
• 18:52
  SPEAKER_03: He took a minute.
• 18:53
  SPEAKER_03: Then he prayed.
• 18:55
  SPEAKER_03: And then he planned.
• 18:56
  SPEAKER_03: Nehemiah assessed the damage before he even announced his vision.
• 19:01
  SPEAKER_03: He gathered all the information.
• 19:03
  SPEAKER_03: He counted the cost.
• 19:05
  SPEAKER_03: He anticipated oppositions.
• 19:07
  SPEAKER_03: And yes, oppositions came.
• 19:10
  SPEAKER_03: Criticisms, the distractions, the resistance.
• 19:13
  SPEAKER_03: But see, Nehemiah wasn't shaken because his plans were already in place.
• 19:17
  SPEAKER_03: He was already ready for it.
• 19:19
  SPEAKER_03: He built with structure.
• 19:21
  SPEAKER_03: He assigned roles.
• 19:22
  SPEAKER_03: He set guards and he created systems.
• 19:26
  SPEAKER_03: But most importantly, he finished what he started.
• 19:30
  SPEAKER_03: You see, Joseph teaches us how to stay disciplined when life is unfair.
• 19:35
  SPEAKER_03: Joseph Joseph did not know he would be thrown.
• 19:44
  SPEAKER_03: He didn't know that his family would um well get rid of him or try to get rid of him.
• 19:50
  SPEAKER_03: He didn't know.
• 19:51
  SPEAKER_03: He didn't see it coming.
• 19:53
  SPEAKER_03: But Joseph teaches us how to stay disciplined when life is unfair.
• 19:57
  SPEAKER_03: Daniel teaches us how to stay aligned when pressure is consistent.
• 20:05
  SPEAKER_03: Nehemiah?
• 20:06
  SPEAKER_03: Nehemiah teaches us how to plan, build, and finish despite the opposition.
• 20:12
  SPEAKER_03: Nehemiah was a businessman.
• 20:15
  SPEAKER_03: Different seasons, but the same principles for all of them.
• 20:18
  SPEAKER_03: They were prepared.
• 20:20
  SPEAKER_03: Preparation before pressure.
• 20:22
  SPEAKER_03: Different seasons, same principle.
• 20:25
  SPEAKER_03: See, planning is not just about the future.
• 20:28
  SPEAKER_03: Planning starts with reflection.
• 20:30
  SPEAKER_03: A lot of people rush into new seasons without ever reviewing the last one.
• 20:36
  SPEAKER_03: But reflection reveals patterns and builds wisdom.
• 20:40
  SPEAKER_03: Now I'm not giving people some people always go back to the past and they harp and harp on the past.
• 20:45
  SPEAKER_03: That's not what I'm saying, but I'm talking about reflection.
• 20:49
  SPEAKER_03: If you never stop to look back, you will repeat cycles you were meant to outgrow.
• 20:54
  SPEAKER_03: What worked?
• 20:55
  SPEAKER_03: What did?
• 20:57
  SPEAKER_03: What drained you?
• 20:58
  SPEAKER_03: What grew you?
• 21:00
  SPEAKER_03: See, reflection creates awareness.
• 21:03
  SPEAKER_03: Awareness shapes actions.
• 21:05
  SPEAKER_03: And action produces results.
• 21:08
  SPEAKER_03: See, if you do not plan, you will start things and you won't finish them.
• 21:13
  SPEAKER_03: Have you ever seen people start things and they're great at it and they they do it, but they didn't plan so and they don't finish.
• 21:21
  SPEAKER_03: I was listening to YouTube the other day and um I heard them say a goal in mind is invisible.
• 21:29
  SPEAKER_03: But a goal on paper is a roadmap.
• 21:32
  SPEAKER_03: So think about that for a second.
• 21:34
  SPEAKER_03: A goal in mind is invisible.
• 21:36
  SPEAKER_03: You can have visions and dreams and go all up here, but you never write it out.
• 21:42
  SPEAKER_03: You don't have anything to reference.
• 21:44
  SPEAKER_03: What do you do when your mind is cluttered and when the pressure's on and when you just feel what do you do?
• 21:50
  SPEAKER_03: You don't have anything to go, you don't have a notebook because you didn't write it down.
• 21:54
  SPEAKER_03: A goal in mind is invisible.
• 21:57
  SPEAKER_03: But if you write it on paper, it's a roadmap.
• 22:00
  SPEAKER_03: See, clarity on paper produces clarity in life.
• 22:04
  SPEAKER_03: Planning is stewardship.
• 22:07
  SPEAKER_03: God honors order.
• 22:08
  SPEAKER_03: He blesses intentions and he multiplies what is managed well.
• 22:14
  SPEAKER_03: Do you hear me?
• 22:15
  SPEAKER_03: He multiplies me.
• 22:16
  SPEAKER_03: You meant you manage it well.
• 22:19
  SPEAKER_03: God watches how we steward, how we take care of the small things.
• 22:24
  SPEAKER_03: Right here is where I want to take this from teaching to practice.
• 22:28
  SPEAKER_03: Because alignment sounds good, but alignment has to be lived.
• 22:32
  SPEAKER_03: I want you to think about your life honestly, not emotionally, not where you wish you were, not where you plan to be next year, but where you actually are right now.
• 22:43
  SPEAKER_03: Because think about it, alignment requires truth.
• 22:46
  SPEAKER_03: So let's do a real-time self-audit.
• 22:50
  SPEAKER_03: This is not about judging you, it's about clarity.
• 22:53
  SPEAKER_03: So ask yourself this.
• 22:55
  SPEAKER_03: What do I say I want that my actions don't currently support?
• 23:00
  SPEAKER_03: What do I keep saying I want?
• 23:02
  SPEAKER_03: But I have my actions not supporting it.
• 23:05
  SPEAKER_03: Not what you post, not what you talk about, what your calendar says, what you're spending, and what your habits actually reflect.
• 23:13
  SPEAKER_03: If someone followed you for a whole week, what would they say you value most?
• 23:18
  SPEAKER_03: Because behaviors always tell the truth.
• 23:21
  SPEAKER_03: Now ask yourself this.
• 23:23
  SPEAKER_03: Where am I reacting instead of planning?
• 23:26
  SPEAKER_03: What keeps catching me off guard that shouldn't?
• 23:29
  SPEAKER_03: Is it money?
• 23:30
  SPEAKER_03: Is it time?
• 23:31
  SPEAKER_03: Is it emotional energy?
• 23:33
  SPEAKER_03: Is it boundaries?
• 23:36
  SPEAKER_03: See, reaction usually means preparation with skilled.
• 23:40
  SPEAKER_03: Think about it.
• 23:42
  SPEAKER_03: Reaction usually means preparation with skill.
• 23:45
  SPEAKER_03: That doesn't make you weak.
• 23:46
  SPEAKER_03: It just means there's an opportunity to grow.
• 23:50
  SPEAKER_03: Next question.
• 23:51
  SPEAKER_03: What do I keep starting but not finishing?
• 23:54
  SPEAKER_03: And be honest.
• 23:55
  SPEAKER_03: Write it down.
• 23:56
  SPEAKER_03: What do I keep starting but not finishing?
• 23:59
  SPEAKER_03: Is it budgeting?
• 24:01
  SPEAKER_03: Is it saving?
• 24:02
  SPEAKER_03: Studying?
• 24:04
  SPEAKER_03: Healing?
• 24:05
  SPEAKER_03: Taking care of health, spending time with family, creating a business plan, following through on conversations you keep avoiding.
• 24:17
  SPEAKER_03: Starting feels productive, but finishing, it creates a change.
• 24:23
  SPEAKER_03: It's a sense of I did it.
• 24:26
  SPEAKER_03: And unfinished things create mental noise.
• 24:30
  SPEAKER_03: Let me ask you this.
• 24:32
  SPEAKER_03: What would alignment require of me in this season?
• 24:35
  SPEAKER_03: Ask yourself that.
• 24:36
  SPEAKER_03: What would alignment require of me in this season?
• 24:40
  SPEAKER_03: Not what would be easy, not what would be comfortable, but what would be necessary.
• 24:47
  SPEAKER_03: See, alignment usually requires a decision you've been delaying, a conversation, a boundary, a habit change, a financial adjustment, a commitment to structure.
• 24:59
  SPEAKER_03: Here's the last question.
• 25:01
  SPEAKER_03: What is one thing I can do this week that moves me from knowing to doing?
• 25:07
  SPEAKER_03: Knowing to doing.
• 25:09
  SPEAKER_03: You can have all this knowledge.
• 25:10
  SPEAKER_03: What is that one thing?
• 25:12
  SPEAKER_03: Not 10 things, not everything.
• 25:15
  SPEAKER_03: One.
• 25:16
  SPEAKER_03: Because alignment compounds when you act consistently and not dramatically.
• 25:21
  SPEAKER_03: This is self-audit.
• 25:23
  SPEAKER_03: It's not meant to overwhelm you.
• 25:24
  SPEAKER_03: If you need me to repeat or go back over or see you these questions, you can email me at kirby the realtor at gmail.com.
• 25:32
  SPEAKER_03: But it's meant to clarify you because clarity moves excuses.
• 25:37
  SPEAKER_03: Clarity creates momentum.
• 25:39
  SPEAKER_03: And you don't need a new year to realign.
• 25:41
  SPEAKER_03: You need a decision.
• 25:44
  SPEAKER_03: So before we close, think about three things.
• 25:49
  SPEAKER_03: One financial action you need to take, one mindset shift, you need to commit.
• 25:56
  SPEAKER_03: And one ownership step, you've been delaying.
• 26:00
  SPEAKER_03: Now don't try to change everything.
• 26:02
  SPEAKER_03: Because change you need to change one thing at a time.
• 26:05
  SPEAKER_03: But I want you to think about them.
• 26:07
  SPEAKER_03: Change them with intentions.
• 26:09
  SPEAKER_03: Because alignment starts small and then what?
• 26:12
  SPEAKER_03: It compounds.
• 26:13
  SPEAKER_03: So if you need clarity on education, don't sit there confused.
• 26:16
  SPEAKER_03: Ask questions.
• 26:17
  SPEAKER_03: Get informed.
• 26:18
  SPEAKER_03: I tell my twins when they're talking amongst themselves and they say they didn't understand.
• 26:23
  SPEAKER_03: I'm like, did you ask the teacher?
• 26:25
  SPEAKER_03: Did you ask the question?
• 26:26
  SPEAKER_03: If you don't understand, excuse me, can you expound?
• 26:28
  SPEAKER_03: Can you elaborate?
• 26:29
  SPEAKER_03: Can you help me understand better?
• 26:31
  SPEAKER_03: Get clarity.
• 26:32
  SPEAKER_03: Don't just sit there confused, not knowing.
• 26:36
  SPEAKER_03: Because when you know, when you have the education, education changes the outcome.
• 26:42
  SPEAKER_03: Let me say a quick prayer with you guys, real quick.
• 26:45
  SPEAKER_03: Um, to close out.
• 26:46
  SPEAKER_03: Father God, we come before you today with gratitude.
• 26:50
  SPEAKER_03: Thank you for life, clarity, and direction.
• 26:52
  SPEAKER_03: God, thank you for being a God of order, intention, and wisdom.
• 26:56
  SPEAKER_03: Today we ask for alignment.
• 26:58
  SPEAKER_03: Align our minds with truth, align our hearts with purpose, align our actions with what you've already shown us.
• 27:05
  SPEAKER_03: Forgive us, God, for drifting instead of planning, for delaying obedience when we knew better and for confusing comfort with peace.
• 27:12
  SPEAKER_03: God, give us discipline without condemnation and accountability without shame, clarity without fear.
• 27:18
  SPEAKER_03: Because like Joseph, prepare our minds even when the environment doesn't make sense.
• 27:23
  SPEAKER_03: Like Daniel, God, help us stay focused even when surrounded by pressure.
• 27:28
  SPEAKER_03: God, show us what to release, what to strengthen, what to prioritize in this season.
• 27:35
  SPEAKER_03: For those who feel overwhelmed, God, bring them peace.
• 27:38
  SPEAKER_03: For those who feel stuck, God, bring them clarity.
• 27:41
  SPEAKER_03: For those who feel behind, remind them you are not finished.
• 27:46
  SPEAKER_03: We commit our plans, our habits, and our decisions to you.
• 27:49
  SPEAKER_03: We declare alignment, discipline, and follow through.
• 27:53
  SPEAKER_03: In Jesus' name, amen.
• 27:55
  SPEAKER_03: And in my closing, like the Baptist preacher saying, well, like all the preachers, but this ain't no third closing, but it's my only closing.
• 28:03
  SPEAKER_03: I want you to remember that ownership starts in the mind.
• 28:07
  SPEAKER_03: It moves through intention and it requires authority and it is sustained by alignment.
• 28:14
  SPEAKER_03: You don't need to become someone else to grow.
• 28:16
  SPEAKER_03: You need to become more consistent with who you already are.
• 28:20
  SPEAKER_03: And if anybody told you today or has not told you, but if anybody hasn't told you today, let me be the one to tell you.
• 28:28
  SPEAKER_03: You are capable, you are responsible, and you are not behind.
• 28:33
  SPEAKER_03: You are right on time to align.
• 28:36
  SPEAKER_03: I need you to plan with purpose, align with intentions, walk in authority.
• 28:41
  SPEAKER_03: And I want to thank you for taking out time on your lunch break or just taking out time to tune in to Life Finance and Real Estate with your girl Kirby the Realtor.
• 28:51
  SPEAKER_03: Until next time, own your peace.
• 28:54
  SPEAKER_03: Bye for now.
• 28:55
  SPEAKER_03: See you soon.
• 28:57
  SPEAKER_00: Thank you for tuning in to Life, Finance, and Real Estate with Kirby the Realtor.
• 29:02
  SPEAKER_00: You can catch us every Thursday at 12 p.m.
• 29:05
  SPEAKER_00: on 92.1 WJMG, 93.1 WGDQ.
• 29:10
  SPEAKER_00: And also you can listen live at 921 WJMG.com or 931 WGDQ.com.
• 29:17
  SPEAKER_00: If you happen to miss the live recording, don't fret.
• 29:20
  SPEAKER_00: We'll replay it at 6 p.m.
• 29:22
  SPEAKER_00: tonight.
• 29:22
  SPEAKER_00: Thank you once again for listening to Life, Finance, and Real.