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How Can I Plan for College Costs Without Overwhelming My Family? · Becoming Financially Confident

• 0:39
  They
• 0:39
  look
• 0:39
  absolutely
• 0:39
  terrifying,
• 0:40
  don't
• 0:40
  they?
• 0:41
  Like
• 0:41
  this
• 0:42
  huge
• 0:42
  financial
• 0:43
  mountain
• 0:43
  impossible
• 0:44
  to
• 0:44
  climb
• 0:44
  without
• 0:44
  crushing
• 0:45
  debt.
• 0:46
  But
• 0:46
  what
• 0:47
  if
• 0:47
  you
• 0:47
  could
• 0:47
  start
• 0:47
  planning
• 0:48
  for
• 0:48
  higher
• 0:48
  education
• 0:49
  with
• 0:49
  wisdom
• 0:50
  and
• 0:50
  not
• 0:50
  worry
• 0:51
  and
• 0:51
  truly
• 0:52
  equip
• 0:52
  your
• 0:52
  children
• 0:52
  for
• 0:53
  their
• 0:53
  future
• 0:54
  without
• 0:54
  overwhelming
• 0:55
  your
• 0:55
  family's
• 0:56
  finances?
• 0:56
  Well,
• 0:57
  stick
• 0:57
  with
• 0:57
  me
• 0:57
  today
• 0:57
  because
• 0:58
  I'm
• 0:58
  going
• 0:58
  to
• 0:58
  tell
• 0:58
  you
• 0:58
  exactly
• 0:59
  how
• 0:59
  to
• 0:59
  make
• 0:59
  that
• 0:59
  happen.
• 1:00
  And
• 1:00
  that's
• 1:01
  going
• 1:01
  to
• 1:01
  be
• 1:01
  the
• 1:01
  topic
• 1:01
  of
• 1:02
  today's
• 1:02
  show.
• 1:04
  This
• 1:04
  is
• 1:04
  Financially
• 1:05
  Confident
• 1:05
  Christian,
• 1:06
  your
• 1:06
  daily
• 1:07
  dose
• 1:07
  of
• 1:07
  gospel,
• 1:08
  grounded
• 1:08
  insight
• 1:09
  and
• 1:09
  faith
• 1:09
  faith
• 1:09
  driven
• 1:10
  tips
• 1:10
  to
• 1:10
  help
• 1:10
  you
• 1:11
  break
• 1:11
  the
• 1:11
  cycle
• 1:11
  of
• 1:12
  financial
• 1:12
  shame
• 1:12
  with
• 1:13
  confidence.
• 1:15
  Hey
• 1:15
  there
• 1:15
  and
• 1:16
  welcome
• 1:16
  back
• 1:16
  to
• 1:16
  Financially
• 1:17
  Confident
• 1:17
  Christian.
• 1:18
  I
• 1:18
  am
• 1:18
  Ralph
• 1:18
  and
• 1:19
  I'm
• 1:19
  so
• 1:19
  happy
• 1:19
  you've
• 1:20
  chosen
• 1:20
  to
• 1:20
  spend
• 1:20
  just
• 1:21
  a
• 1:21
  few
• 1:21
  minutes
• 1:21
  with
• 1:21
  me
• 1:21
  today.
• 1:22
  If
• 1:22
  you
• 1:22
  missed
• 1:23
  yesterday's
• 1:23
  show,
• 1:24
  we
• 1:24
  looked
• 1:24
  at
• 1:24
  that
• 1:24
  mid
• 1:25
  year
• 1:25
  financial
• 1:25
  goal
• 1:26
  check
• 1:26
  in.
• 1:26
  We
• 1:26
  talked
• 1:26
  about
• 1:27
  having
• 1:27
  that
• 1:27
  roadmap,
• 1:28
  but
• 1:28
  remembering
• 1:29
  to
• 1:29
  go
• 1:29
  and
• 1:29
  make
• 1:29
  sure
• 1:30
  we're
• 1:30
  still
• 1:30
  on
• 1:30
  course.
• 1:31
  So
• 1:31
  if
• 1:31
  you
• 1:31
  missed
• 1:32
  the
• 1:32
  show,
• 1:32
  I'm
• 1:32
  going
• 1:32
  to
• 1:33
  encourage
• 1:33
  you
• 1:33
  to
• 1:33
  go
• 1:33
  check
• 1:33
  it
• 1:34
  out.
• 1:34
  You
• 1:34
  can
• 1:34
  find
• 1:34
  all
• 1:34
  of
• 1:35
  our
• 1:35
  episodes@financially
• 1:37
  confidentchristian.com
• 1:39
  now
• 1:39
  today
• 1:39
  we're
• 1:39
  going
• 1:39
  to
• 1:40
  change
• 1:40
  the
• 1:40
  topic
• 1:40
  completely
• 1:41
  and
• 1:42
  we're
• 1:42
  going
• 1:42
  to
• 1:42
  talk
• 1:42
  about
• 1:42
  how
• 1:42
  to
• 1:42
  plan
• 1:43
  for
• 1:43
  college
• 1:43
  wisely,
• 1:44
  but
• 1:45
  maybe
• 1:45
  more
• 1:45
  importantly
• 1:46
  faithfully
• 1:46
  and
• 1:47
  without
• 1:47
  that
• 1:47
  stress
• 1:48
  and
• 1:48
  without
• 1:48
  that
• 1:49
  anxiety.
• 1:50
  So
• 1:50
  today's
• 1:50
  guiding
• 1:51
  question
• 1:51
  is
• 1:52
  this.
• 1:52
  How
• 1:53
  can
• 1:53
  I
• 1:53
  plan
• 1:53
  for
• 1:53
  college
• 1:54
  costs
• 1:55
  without
• 1:55
  overwhelming
• 1:56
  my
• 1:56
  family?
• 1:57
  Let's
• 1:58
  talk
• 1:58
  about
• 1:58
  this,
• 1:58
  how
• 1:59
  this
• 1:59
  really
• 1:59
  feels.
• 2:00
  I
• 2:00
  can
• 2:00
  remember
• 2:01
  when
• 2:01
  my
• 2:01
  kids
• 2:02
  were
• 2:02
  just
• 2:02
  born,
• 2:02
  I
• 2:02
  think
• 2:03
  the
• 2:03
  last
• 2:03
  thing
• 2:03
  on
• 2:03
  my
• 2:04
  mind
• 2:04
  was
• 2:04
  college
• 2:05
  cost.
• 2:06
  My
• 2:06
  wife
• 2:06
  and
• 2:06
  I,
• 2:06
  we
• 2:06
  are
• 2:06
  more
• 2:07
  worried
• 2:07
  about
• 2:07
  the
• 2:07
  next
• 2:07
  diaper
• 2:08
  change
• 2:08
  and
• 2:08
  whether
• 2:09
  we
• 2:09
  were
• 2:09
  going
• 2:09
  to
• 2:09
  get
• 2:09
  a
• 2:09
  good
• 2:10
  night's
• 2:10
  sleep
• 2:10
  that
• 2:11
  night.
• 2:11
  And
• 2:12
  if
• 2:12
  you're
• 2:12
  like
• 2:12
  most
• 2:13
  people
• 2:13
  when
• 2:13
  you've
• 2:13
  got
• 2:13
  young
• 2:14
  kids,
• 2:14
  hey,
• 2:14
  the
• 2:15
  cost
• 2:15
  of
• 2:15
  college
• 2:16
  seems
• 2:16
  impossibly
• 2:17
  far
• 2:17
  off.
• 2:17
  And
• 2:18
  it
• 2:18
  seems
• 2:18
  like
• 2:18
  this
• 2:18
  huge
• 2:19
  mountain
• 2:19
  like
• 2:20
  I
• 2:20
  talked
• 2:20
  about
• 2:20
  at
• 2:20
  the
• 2:20
  beginning.
• 2:22
  But
• 2:22
  if
• 2:22
  you
• 2:22
  start
• 2:22
  thinking
• 2:23
  about
• 2:23
  it,
• 2:24
  those
• 2:24
  younger
• 2:24
  kids,
• 2:25
  listen,
• 2:25
  I
• 2:25
  have
• 2:25
  the,
• 2:26
  the
• 2:26
  ability
• 2:26
  to
• 2:26
  look
• 2:26
  at
• 2:26
  it
• 2:27
  now.
• 2:27
  My
• 2:27
  kids
• 2:27
  are
• 2:27
  24
• 2:28
  and
• 2:28
  28,
• 2:29
  like
• 2:29
  where
• 2:29
  did
• 2:29
  the
• 2:30
  time
• 2:30
  go?
• 2:30
  But
• 2:31
  when
• 2:31
  they
• 2:31
  were
• 2:31
  young,
• 2:32
  I
• 2:32
  didn't
• 2:32
  really
• 2:32
  think
• 2:32
  too
• 2:33
  much
• 2:33
  about
• 2:33
  it.
• 2:34
  Well
• 2:34
  then
• 2:34
  as
• 2:34
  they
• 2:35
  became
• 2:35
  teenagers,
• 2:36
  I
• 2:36
  started
• 2:36
  thinking,
• 2:36
  you
• 2:36
  know
• 2:37
  what,
• 2:37
  we
• 2:38
  talked
• 2:38
  about
• 2:38
  that
• 2:38
  roadmap
• 2:39
  analogy.
• 2:40
  College
• 2:40
  is
• 2:40
  right
• 2:40
  around
• 2:41
  the
• 2:41
  corner
• 2:42
  and
• 2:43
  I
• 2:43
  really
• 2:43
  hadn't
• 2:43
  planned
• 2:44
  for
• 2:44
  it.
• 2:44
  And
• 2:45
  if
• 2:45
  you
• 2:45
  like
• 2:45
  most
• 2:46
  of
• 2:46
  us,
• 2:47
  that
• 2:48
  idea
• 2:48
  of
• 2:48
  college
• 2:49
  debt
• 2:49
  feels
• 2:49
  completely
• 2:50
  unavoidable.
• 2:52
  As
• 2:52
  you
• 2:52
  start
• 2:52
  to
• 2:53
  work
• 2:53
  through
• 2:53
  that
• 2:53
  process,
• 2:54
  it
• 2:54
  leads
• 2:54
  to
• 2:54
  stress.
• 2:55
  You
• 2:55
  start
• 2:55
  to
• 2:55
  stress
• 2:56
  about
• 2:56
  how
• 2:56
  am
• 2:56
  I
• 2:57
  ever
• 2:57
  going
• 2:57
  to
• 2:57
  pay
• 2:57
  for
• 2:57
  my
• 2:58
  kids
• 2:58
  education.
• 2:58
  I
• 2:59
  see
• 2:59
  the
• 2:59
  value
• 2:59
  in
• 3:00
  a
• 3:00
  college
• 3:00
  education
• 3:01
  or
• 3:01
  maybe
• 3:02
  in
• 3:02
  trade
• 3:02
  school
• 3:02
  educations.
• 3:03
  But.
• 3:03
  But
• 3:03
  you
• 3:04
  stress
• 3:04
  about
• 3:04
  it
• 3:04
  because
• 3:04
  you're
• 3:05
  like,
• 3:05
  Ralph,
• 3:05
  how
• 3:05
  am
• 3:05
  I
• 3:05
  ever
• 3:06
  going
• 3:06
  to
• 3:06
  pay
• 3:06
  for
• 3:06
  this?
• 3:07
  And
• 3:08
  many
• 3:08
  times,
• 3:08
  if
• 3:08
  we're
• 3:09
  being
• 3:09
  honest,
• 3:10
  it
• 3:10
  leads
• 3:10
  to
• 3:10
  this
• 3:11
  state
• 3:11
  of
• 3:11
  what
• 3:11
  I'll
• 3:12
  call
• 3:12
  financial
• 3:12
  paralysis
• 3:13
  where
• 3:13
  we,
• 3:14
  we
• 3:14
  don't
• 3:14
  know
• 3:14
  exactly
• 3:15
  what
• 3:15
  to
• 3:15
  do.
• 3:16
  And
• 3:16
  when
• 3:16
  we're
• 3:17
  stuck
• 3:17
  in
• 3:17
  that
• 3:17
  financial
• 3:18
  paralysis,
• 3:18
  hey,
• 3:18
  maybe
• 3:19
  you're
• 3:19
  right
• 3:19
  there
• 3:19
  right
• 3:19
  now.
• 3:20
  Maybe
• 3:20
  you've
• 3:20
  got
• 3:21
  those
• 3:21
  kids
• 3:21
  that
• 3:21
  are
• 3:22
  high
• 3:22
  school
• 3:22
  juniors
• 3:23
  or
• 3:23
  seniors,
• 3:23
  and
• 3:24
  hey,
• 3:24
  it's
• 3:24
  right
• 3:25
  there
• 3:25
  in
• 3:25
  front
• 3:25
  of
• 3:25
  you.
• 3:25
  And
• 3:26
  you
• 3:26
  haven't
• 3:26
  been
• 3:26
  able
• 3:27
  to
• 3:27
  put
• 3:27
  aside
• 3:27
  money.
• 3:28
  You
• 3:28
  know,
• 3:28
  who
• 3:28
  knows
• 3:28
  why,
• 3:29
  but
• 3:29
  you
• 3:29
  haven't
• 3:29
  been
• 3:29
  able
• 3:30
  to
• 3:30
  do
• 3:30
  that.
• 3:31
  And
• 3:31
  you're
• 3:31
  stuck
• 3:31
  in
• 3:31
  this
• 3:32
  quagmire,
• 3:32
  this
• 3:33
  financial
• 3:33
  paralysis,
• 3:34
  and
• 3:34
  you're
• 3:34
  like,
• 3:34
  you
• 3:34
  know
• 3:35
  what,
• 3:35
  Ralph?
• 3:35
  I'm
• 3:35
  just
• 3:35
  throwing
• 3:36
  up
• 3:36
  my
• 3:36
  hands.
• 3:36
  I
• 3:36
  give
• 3:36
  up.
• 3:38
  And
• 3:38
  then
• 3:38
  when
• 3:38
  you
• 3:38
  give
• 3:38
  up,
• 3:39
  you're
• 3:39
  just
• 3:39
  relying
• 3:39
  on
• 3:40
  those
• 3:40
  risky
• 3:40
  student
• 3:41
  loans.
• 3:41
  But
• 3:41
  here's
• 3:42
  the
• 3:42
  thing
• 3:42
  I
• 3:42
  want
• 3:42
  you
• 3:42
  to
• 3:42
  understand
• 3:43
  right
• 3:43
  now,
• 3:43
  this
• 3:44
  is
• 3:44
  the
• 3:44
  most,
• 3:44
  the
• 3:45
  biggest
• 3:45
  key
• 3:45
  takeaway
• 3:46
  right
• 3:46
  here
• 3:46
  as
• 3:46
  we're
• 3:47
  talking.
• 3:47
  You
• 3:48
  don't
• 3:48
  have
• 3:48
  to
• 3:48
  stay
• 3:49
  stuck
• 3:49
  in
• 3:49
  fear.
• 3:50
  Let's
• 3:51
  walk
• 3:51
  in
• 3:51
  some
• 3:51
  wisdom.
• 3:52
  Let's.
• 3:52
  Let's
• 3:52
  look
• 3:52
  to
• 3:52
  the
• 3:52
  Bible
• 3:53
  for
• 3:53
  some
• 3:53
  wisdom.
• 3:54
  Yes,
• 3:54
  there
• 3:54
  is
• 3:55
  wisdom
• 3:55
  in
• 3:55
  the
• 3:55
  Bible
• 3:56
  as
• 3:56
  it
• 3:56
  relates
• 3:57
  to
• 3:57
  education.
• 3:57
  Well,
• 3:58
  not
• 3:58
  exactly
• 3:59
  higher
• 3:59
  education,
• 3:59
  but
• 4:00
  let's
• 4:00
  get
• 4:00
  right
• 4:00
  into
• 4:00
  it.
• 4:01
  The
• 4:01
  first
• 4:01
  verse
• 4:02
  I
• 4:02
  want
• 4:02
  to
• 4:02
  talk
• 4:02
  about
• 4:02
  is
• 4:03
  Proverbs
• 4:03
  chapter
• 4:04
  22,
• 4:05
  verse
• 4:05
  3,
• 4:06
  which
• 4:06
  really
• 4:06
  is
• 4:07
  addressing
• 4:07
  the.
• 4:07
  The
• 4:08
  idea
• 4:08
  of
• 4:08
  foresight
• 4:09
  and
• 4:09
  prudence.
• 4:10
  I've
• 4:10
  used
• 4:10
  this
• 4:11
  on
• 4:11
  the
• 4:11
  show
• 4:11
  many
• 4:11
  times.
• 4:11
  Again,
• 4:12
  this
• 4:12
  is
• 4:12
  Proverbs
• 4:13
  22,
• 4:14
  verse
• 4:14
  3.
• 4:15
  The
• 4:15
  prudency,
• 4:16
  danger
• 4:16
  and
• 4:17
  take
• 4:17
  refuge.
• 4:18
  But
• 4:18
  the
• 4:18
  simple
• 4:19
  keep
• 4:19
  going
• 4:19
  and
• 4:20
  pay
• 4:20
  the
• 4:20
  penalty.
• 4:21
  Well,
• 4:21
  like
• 4:22
  I
• 4:22
  said,
• 4:23
  now
• 4:23
  that
• 4:23
  you've
• 4:23
  got
• 4:23
  those
• 4:24
  young
• 4:24
  kids,
• 4:24
  maybe
• 4:24
  you're
• 4:24
  listening
• 4:25
  right
• 4:25
  now
• 4:25
  and
• 4:25
  you're
• 4:25
  like,
• 4:25
  Ralph,
• 4:26
  I
• 4:26
  am
• 4:26
  so
• 4:26
  glad
• 4:27
  you're
• 4:27
  talking
• 4:27
  about
• 4:27
  this.
• 4:28
  I've
• 4:28
  got
• 4:28
  one
• 4:29
  that's
• 4:29
  still
• 4:29
  in
• 4:29
  diapers
• 4:30
  and
• 4:30
  another
• 4:30
  one
• 4:30
  that's
• 4:30
  just
• 4:31
  starting
• 4:31
  to
• 4:31
  crawl
• 4:31
  and
• 4:31
  maybe
• 4:32
  get
• 4:32
  them
• 4:32
  start
• 4:32
  to
• 4:33
  around
• 4:33
  that.
• 4:33
  That's
• 4:33
  a
• 4:33
  whole
• 4:34
  other
• 4:34
  discussion.
• 4:35
  But
• 4:35
  one
• 4:36
  of
• 4:36
  the
• 4:36
  key
• 4:36
  takeaways
• 4:37
  for
• 4:37
  today
• 4:37
  is
• 4:38
  you
• 4:38
  can
• 4:38
  never
• 4:38
  start
• 4:39
  planning
• 4:39
  too
• 4:39
  early.
• 4:40
  So
• 4:40
  it's
• 4:40
  the
• 4:40
  first
• 4:40
  thing
• 4:40
  I'm
• 4:41
  going
• 4:41
  to
• 4:41
  encourage
• 4:41
  you
• 4:41
  to
• 4:41
  do.
• 4:41
  And
• 4:42
  like
• 4:42
  this
• 4:42
  Bible
• 4:42
  verse
• 4:43
  talks
• 4:43
  about,
• 4:44
  you
• 4:44
  see
• 4:44
  that
• 4:44
  danger,
• 4:45
  not
• 4:45
  maybe
• 4:45
  it's
• 4:45
  not
• 4:45
  danger,
• 4:46
  but
• 4:46
  you
• 4:46
  see
• 4:46
  that
• 4:47
  need
• 4:47
  to
• 4:47
  plan.
• 4:48
  So
• 4:48
  I'm
• 4:48
  going
• 4:48
  to
• 4:48
  encourage
• 4:49
  you
• 4:49
  right
• 4:49
  now.
• 4:49
  Start
• 4:50
  planning
• 4:50
  early.
• 4:50
  Don't
• 4:51
  walk
• 4:51
  into
• 4:51
  this
• 4:52
  debt
• 4:52
  blind.
• 4:53
  You
• 4:53
  can
• 4:54
  take
• 4:54
  small,
• 4:54
  wise
• 4:54
  steps
• 4:55
  now
• 4:55
  that
• 4:55
  you
• 4:56
  can
• 4:56
  avoid
• 4:56
  those
• 4:57
  big
• 4:57
  regrets
• 4:57
  later.
• 4:58
  Like
• 4:58
  maybe
• 4:58
  you're
• 4:58
  that
• 4:58
  person
• 4:59
  sitting
• 4:59
  there
• 5:00
  listening
• 5:00
  right
• 5:00
  now.
• 5:01
  And
• 5:01
  that
• 5:01
  kid's
• 5:01
  a
• 5:02
  junior
• 5:02
  and
• 5:02
  maybe
• 5:02
  a
• 5:03
  senior
• 5:03
  in
• 5:03
  high
• 5:03
  school.
• 5:04
  And
• 5:04
  now
• 5:04
  you've
• 5:04
  got
• 5:05
  a
• 5:05
  lot
• 5:05
  less,
• 5:05
  less
• 5:06
  ways
• 5:06
  that
• 5:06
  you
• 5:06
  can
• 5:06
  handle
• 5:07
  this,
• 5:07
  but
• 5:07
  you
• 5:08
  can
• 5:08
  still
• 5:08
  do
• 5:08
  something.
• 5:09
  Let's
• 5:09
  look
• 5:09
  at
• 5:09
  our
• 5:09
  second
• 5:10
  Bible
• 5:10
  verse,
• 5:10
  and
• 5:11
  this
• 5:11
  is
• 5:11
  the
• 5:11
  one
• 5:11
  I
• 5:11
  used
• 5:12
  on
• 5:12
  yesterday
• 5:12
  show.
• 5:12
  I
• 5:13
  use
• 5:13
  it
• 5:13
  all
• 5:13
  the
• 5:13
  time
• 5:13
  on
• 5:13
  the
• 5:14
  show.
• 5:14
  It's
• 5:14
  Proverbs
• 5:15
  21:5.
• 5:16
  And
• 5:16
  it's
• 5:17
  all
• 5:17
  about
• 5:17
  diligent
• 5:17
  planning.
• 5:18
  And
• 5:18
  really,
• 5:19
  when
• 5:19
  we're
• 5:19
  talking
• 5:19
  about
• 5:20
  planning
• 5:20
  for
• 5:20
  education
• 5:21
  for
• 5:21
  our
• 5:21
  children
• 5:22
  and
• 5:22
  maybe
• 5:22
  you're
• 5:23
  planning
• 5:23
  education
• 5:23
  for
• 5:24
  your
• 5:24
  grandchildren,
• 5:25
  Proverbs
• 5:26
  21:5.
• 5:26
  And
• 5:27
  I'm
• 5:27
  not
• 5:27
  going
• 5:27
  to
• 5:27
  read
• 5:27
  the
• 5:27
  whole
• 5:27
  thing
• 5:27
  because
• 5:28
  I
• 5:28
  talk
• 5:28
  about
• 5:28
  on
• 5:28
  the
• 5:28
  show
• 5:28
  all
• 5:29
  the
• 5:29
  time.
• 5:29
  But
• 5:29
  the
• 5:29
  plans
• 5:30
  of
• 5:30
  the
• 5:30
  diligent
• 5:30
  lead
• 5:31
  surely
• 5:31
  to
• 5:31
  abundance.
• 5:33
  And
• 5:33
  that's
• 5:33
  where
• 5:33
  I
• 5:34
  tie
• 5:34
  back
• 5:34
  into
• 5:35
  the
• 5:35
  start
• 5:35
  of
• 5:35
  being
• 5:36
  consistent
• 5:37
  using
• 5:37
  thoughtful
• 5:38
  savings
• 5:39
  and
• 5:39
  research.
• 5:39
  Hey,
• 5:40
  even
• 5:40
  when
• 5:40
  the
• 5:40
  kids
• 5:40
  are
• 5:41
  very
• 5:41
  young,
• 5:41
  how
• 5:41
  that
• 5:42
  can
• 5:42
  lead
• 5:42
  to
• 5:42
  peace
• 5:43
  and
• 5:43
  provision
• 5:44
  later
• 5:44
  on.
• 5:44
  And
• 5:44
  let's
• 5:45
  look
• 5:45
  at
• 5:45
  one
• 5:45
  more
• 5:46
  Bible
• 5:46
  verse
• 5:46
  today,
• 5:47
  and
• 5:47
  that's
• 5:47
  Proverbs
• 5:48
  chapter
• 5:48
  one,
• 5:49
  verse
• 5:49
  five,
• 5:50
  where
• 5:50
  it
• 5:50
  talks
• 5:50
  about
• 5:51
  seeking
• 5:51
  wisdom
• 5:51
  and
• 5:52
  growth.
• 5:52
  And
• 5:52
  it
• 5:52
  says
• 5:53
  this
• 5:53
  again,
• 5:53
  Proverbs
• 5:54
  1:5.
• 5:55
  Let
• 5:55
  the
• 5:55
  wise
• 5:56
  hear
• 5:56
  an
• 5:56
  increase
• 5:57
  in
• 5:57
  learning
• 5:58
  and
• 5:58
  the
• 5:58
  one
• 5:58
  who
• 5:59
  understands
• 6:00
  obtain
• 6:00
  guidance.
• 6:02
  Well,
• 6:02
  one
• 6:02
  of
• 6:02
  the
• 6:02
  things
• 6:03
  I
• 6:03
  love
• 6:03
  about
• 6:03
  this
• 6:03
  Bible
• 6:04
  verse
• 6:04
  and
• 6:04
  it
• 6:04
  ties
• 6:05
  exactly
• 6:05
  into
• 6:05
  what
• 6:05
  we're
• 6:06
  talking
• 6:06
  about
• 6:06
  today
• 6:07
  and
• 6:07
  a
• 6:08
  lot
• 6:08
  of
• 6:08
  people
• 6:08
  lose
• 6:08
  sight
• 6:09
  of
• 6:09
  this.
• 6:10
  One
• 6:10
  of
• 6:10
  the
• 6:10
  main
• 6:10
  things
• 6:11
  I
• 6:11
  think
• 6:11
  about
• 6:11
  Christian
• 6:12
  financial
• 6:12
  stewardship
• 6:13
  is
• 6:13
  you've
• 6:14
  got
• 6:14
  to
• 6:14
  embrace
• 6:14
  this
• 6:15
  idea
• 6:15
  of
• 6:15
  being
• 6:16
  a
• 6:16
  lifelong
• 6:17
  learner.
• 6:17
  Education
• 6:18
  doesn't
• 6:18
  stop
• 6:19
  when
• 6:19
  you
• 6:19
  graduate
• 6:19
  high
• 6:20
  school
• 6:20
  or
• 6:20
  you
• 6:21
  graduate
• 6:21
  college
• 6:22
  or
• 6:22
  you
• 6:22
  graduate
• 6:23
  from
• 6:23
  trade
• 6:23
  school.
• 6:25
  It's
• 6:25
  always
• 6:25
  a
• 6:25
  good
• 6:26
  idea
• 6:26
  to
• 6:26
  keep
• 6:26
  asking
• 6:27
  questions,
• 6:27
  keep
• 6:28
  seeking
• 6:28
  help
• 6:29
  and
• 6:30
  bigger
• 6:30
  than
• 6:30
  that,
• 6:30
  trusting
• 6:31
  God's
• 6:31
  guidance.
• 6:33
  So
• 6:33
  here's
• 6:33
  the
• 6:34
  thing
• 6:34
  I
• 6:34
  want
• 6:34
  to
• 6:34
  tell
• 6:34
  you
• 6:34
  right
• 6:34
  now.
• 6:34
  My
• 6:35
  main
• 6:35
  takeaway
• 6:35
  for
• 6:36
  today
• 6:36
  is
• 6:36
  don't
• 6:36
  panic.
• 6:37
  This
• 6:37
  isn't
• 6:38
  the
• 6:38
  time
• 6:38
  to
• 6:38
  panic.
• 6:39
  I
• 6:39
  don't
• 6:39
  care
• 6:39
  whether
• 6:39
  your
• 6:39
  kids
• 6:40
  are
• 6:40
  toddlers,
• 6:40
  like
• 6:40
  I
• 6:41
  said,
• 6:41
  still
• 6:41
  in
• 6:41
  diapers.
• 6:42
  You're
• 6:42
  trying
• 6:42
  to
• 6:42
  figure
• 6:42
  out,
• 6:43
  you
• 6:43
  know,
• 6:43
  do
• 6:43
  you
• 6:43
  have
• 6:43
  enough
• 6:43
  formula,
• 6:44
  are
• 6:44
  there
• 6:44
  enough
• 6:44
  diapers
• 6:45
  here?
• 6:45
  Are
• 6:45
  you
• 6:46
  going
• 6:46
  to
• 6:46
  get
• 6:46
  a
• 6:46
  chance
• 6:47
  to
• 6:47
  sleep
• 6:47
  through
• 6:47
  that?
• 6:47
  Man,
• 6:47
  I
• 6:48
  can
• 6:48
  still
• 6:48
  remember
• 6:48
  my
• 6:48
  wife
• 6:49
  and
• 6:49
  I,
• 6:49
  we
• 6:49
  had
• 6:49
  all
• 6:49
  kinds
• 6:50
  of
• 6:50
  trading
• 6:50
  going
• 6:50
  on
• 6:50
  with
• 6:51
  that.
• 6:51
  But
• 6:51
  I'm
• 6:52
  going
• 6:52
  to
• 6:52
  start
• 6:52
  right
• 6:52
  there.
• 6:52
  Don't
• 6:53
  panic.
• 6:53
  Just
• 6:53
  start
• 6:54
  doing
• 6:54
  something.
• 6:55
  One
• 6:55
  of
• 6:55
  the
• 6:55
  things
• 6:55
  I'm
• 6:56
  going
• 6:56
  to
• 6:56
  encourage
• 6:56
  you
• 6:56
  to
• 6:56
  do,
• 6:56
  maybe
• 6:57
  you
• 6:57
  do
• 6:57
  have
• 6:57
  that
• 6:58
  kid
• 6:58
  that's
• 6:58
  in
• 6:58
  high
• 6:59
  school
• 6:59
  now.
• 7:00
  You
• 7:00
  haven't
• 7:00
  had
• 7:00
  a
• 7:00
  lot
• 7:00
  of,
• 7:01
  you
• 7:01
  haven't
• 7:01
  done
• 7:01
  a
• 7:01
  lot
• 7:02
  of
• 7:02
  planning
• 7:02
  up
• 7:02
  to
• 7:02
  this.
• 7:03
  There
• 7:03
  are
• 7:03
  affordable
• 7:04
  college
• 7:04
  options
• 7:05
  One
• 7:05
  of
• 7:05
  the
• 7:05
  things
• 7:06
  a
• 7:06
  lot
• 7:06
  of
• 7:06
  people
• 7:06
  overlook
• 7:07
  is
• 7:07
  community
• 7:08
  colleges.
• 7:08
  Hey,
• 7:09
  it's
• 7:09
  a
• 7:09
  great
• 7:09
  place
• 7:10
  to
• 7:10
  get
• 7:10
  started.
• 7:10
  As
• 7:11
  an
• 7:11
  example,
• 7:11
  in
• 7:12
  the
• 7:12
  state
• 7:12
  of
• 7:12
  Delaware
• 7:12
  where
• 7:13
  I'm
• 7:13
  at
• 7:13
  here,
• 7:14
  my
• 7:14
  office
• 7:14
  is
• 7:14
  here
• 7:14
  where
• 7:15
  my
• 7:15
  family
• 7:15
  lives,
• 7:16
  we
• 7:16
  have
• 7:16
  a
• 7:16
  thing
• 7:16
  here
• 7:17
  called
• 7:17
  the
• 7:17
  START
• 7:18
  program
• 7:18
  or
• 7:18
  the
• 7:18
  SEED
• 7:19
  program
• 7:19
  is
• 7:19
  actually
• 7:19
  a
• 7:20
  better
• 7:20
  way
• 7:20
  to
• 7:20
  call
• 7:20
  it.
• 7:20
  And,
• 7:21
  and
• 7:21
  it
• 7:21
  puts
• 7:21
  you
• 7:21
  in
• 7:21
  community
• 7:22
  college.
• 7:22
  And
• 7:22
  guess
• 7:22
  what?
• 7:23
  You
• 7:23
  do
• 7:23
  that
• 7:23
  for
• 7:23
  two
• 7:23
  years
• 7:24
  and
• 7:25
  depending
• 7:25
  upon
• 7:25
  your
• 7:26
  grades
• 7:26
  and
• 7:27
  all
• 7:27
  the
• 7:27
  performance
• 7:27
  and
• 7:28
  all
• 7:28
  that
• 7:28
  kind
• 7:28
  of
• 7:28
  stuff,
• 7:28
  you
• 7:29
  basically
• 7:29
  can
• 7:29
  go
• 7:29
  there
• 7:30
  for
• 7:30
  free.
• 7:30
  So
• 7:30
  the
• 7:30
  first
• 7:31
  two
• 7:31
  years
• 7:31
  of
• 7:31
  college
• 7:32
  are
• 7:32
  absolutely
• 7:32
  free.
• 7:32
  Then
• 7:33
  you
• 7:33
  can
• 7:33
  always
• 7:33
  transfer
• 7:34
  to
• 7:34
  get
• 7:34
  that,
• 7:35
  that,
• 7:35
  that
• 7:35
  nice
• 7:35
  university
• 7:36
  degree
• 7:36
  that
• 7:37
  has
• 7:37
  the
• 7:37
  title
• 7:37
  that
• 7:37
  you
• 7:38
  want.
• 7:38
  There's
• 7:39
  also
• 7:39
  vocational
• 7:40
  schools.
• 7:40
  A
• 7:40
  lot
• 7:40
  of
• 7:40
  people
• 7:41
  lose
• 7:41
  sight
• 7:41
  of
• 7:42
  this.
• 7:42
  There's
• 7:42
  in
• 7:42
  state
• 7:43
  university
• 7:44
  savings
• 7:44
  and
• 7:44
  hey,
• 7:45
  things
• 7:45
  my
• 7:46
  oldest
• 7:46
  son
• 7:46
  did,
• 7:47
  you
• 7:47
  can
• 7:47
  go
• 7:47
  into
• 7:48
  the
• 7:48
  military.
• 7:48
  The
• 7:49
  military
• 7:49
  has
• 7:49
  some
• 7:50
  great
• 7:50
  programs
• 7:51
  for
• 7:51
  paying
• 7:51
  for
• 7:52
  educations
• 7:52
  through
• 7:52
  the
• 7:53
  GI
• 7:53
  Bill
• 7:54
  and
• 7:54
  things
• 7:54
  like
• 7:54
  that.
• 7:55
  So
• 7:55
  that's
• 7:55
  the
• 7:55
  first
• 7:55
  thing
• 7:56
  I
• 7:56
  encourage
• 7:56
  you
• 7:56
  to
• 7:56
  do
• 7:57
  this
• 7:57
  research
• 7:58
  affordable
• 7:58
  college
• 7:59
  options.
• 8:00
  Second
• 8:00
  thing
• 8:00
  I'm
• 8:01
  going
• 8:01
  to
• 8:01
  encourage
• 8:01
  you
• 8:01
  to
• 8:01
  do
• 8:01
  is
• 8:02
  start
• 8:02
  saving
• 8:02
  small.
• 8:03
  And
• 8:03
  especially
• 8:04
  if
• 8:04
  you've
• 8:04
  got
• 8:04
  those
• 8:05
  kids
• 8:05
  that
• 8:05
  are
• 8:05
  real
• 8:06
  young,
• 8:06
  you
• 8:06
  can
• 8:06
  open
• 8:07
  up
• 8:07
  a
• 8:07
  529
• 8:08
  plan.
• 8:08
  I've
• 8:08
  done
• 8:08
  some
• 8:09
  shows
• 8:09
  on
• 8:09
  those.
• 8:09
  Maybe
• 8:10
  just
• 8:10
  open
• 8:10
  up
• 8:10
  a
• 8:11
  simple
• 8:11
  savings
• 8:11
  account
• 8:11
  and
• 8:12
  hey,
• 8:12
  listen,
• 8:13
  even
• 8:13
  $25
• 8:14
  or
• 8:14
  maybe
• 8:15
  $50
• 8:15
  a
• 8:15
  month
• 8:16
  will
• 8:16
  help
• 8:16
  build
• 8:17
  that,
• 8:17
  that
• 8:17
  nest
• 8:18
  egg
• 8:18
  that
• 8:18
  you
• 8:18
  can
• 8:19
  use
• 8:19
  for
• 8:19
  when
• 8:19
  your
• 8:20
  kid
• 8:20
  goes
• 8:20
  to
• 8:21
  college
• 8:21
  down
• 8:21
  the
• 8:21
  road.
• 8:21
  Or
• 8:22
  maybe
• 8:22
  they
• 8:22
  don't
• 8:22
  go
• 8:22
  to
• 8:23
  college
• 8:23
  at
• 8:23
  all.
• 8:23
  Maybe
• 8:23
  they
• 8:23
  use
• 8:24
  that
• 8:24
  to
• 8:24
  buy
• 8:24
  their
• 8:25
  first
• 8:25
  home
• 8:25
  or
• 8:25
  maybe
• 8:26
  they
• 8:26
  go
• 8:26
  to
• 8:26
  some
• 8:27
  sort
• 8:27
  of
• 8:27
  trade
• 8:28
  school.
• 8:28
  And
• 8:29
  here's
• 8:29
  another
• 8:29
  thing
• 8:30
  a
• 8:30
  lot
• 8:30
  of
• 8:30
  people
• 8:30
  overlook.
• 8:31
  And
• 8:32
  it's
• 8:32
  amazing
• 8:32
  to
• 8:33
  me
• 8:33
  how
• 8:33
  many
• 8:34
  of
• 8:34
  these
• 8:34
  things
• 8:34
  go
• 8:35
  untouched
• 8:36
  and
• 8:36
  that's
• 8:37
  pursue
• 8:37
  free
• 8:38
  money
• 8:38
  first.
• 8:38
  There
• 8:39
  are
• 8:39
  a
• 8:39
  ton
• 8:39
  of
• 8:39
  scholarships,
• 8:40
  there's
• 8:41
  a
• 8:41
  ton
• 8:41
  of
• 8:41
  grants
• 8:42
  tie
• 8:42
  into
• 8:42
  that
• 8:42
  FAFSA
• 8:43
  form.
• 8:44
  There's,
• 8:44
  I'll
• 8:45
  give
• 8:45
  you
• 8:45
  a
• 8:45
  couple
• 8:45
  websites.
• 8:46
  As
• 8:46
  I
• 8:46
  was
• 8:46
  preparing
• 8:46
  for
• 8:47
  the
• 8:47
  show,
• 8:47
  fastweb.com
• 8:49
  or
• 8:49
  scholarship.com
• 8:50
  it
• 8:50
  amazed
• 8:51
  me
• 8:51
  how
• 8:52
  many
• 8:52
  people
• 8:52
  don't
• 8:53
  take
• 8:53
  advantage
• 8:53
  of
• 8:54
  these
• 8:54
  scholarships
• 8:54
  and
• 8:55
  these
• 8:55
  grants.
• 8:55
  You
• 8:55
  just,
• 8:55
  the
• 8:56
  money
• 8:56
  goes
• 8:56
  unused.
• 8:57
  So
• 8:57
  start
• 8:57
  there
• 8:57
  with
• 8:58
  the
• 8:58
  free
• 8:58
  money.
• 8:58
  Hey,
• 8:59
  put
• 8:59
  your
• 8:59
  kids
• 8:59
  to
• 9:00
  work
• 9:00
  if
• 9:00
  they've
• 9:00
  got
• 9:01
  time
• 9:01
  in
• 9:01
  the
• 9:01
  summer
• 9:02
  between
• 9:02
  junior
• 9:02
  year
• 9:03
  or
• 9:03
  maybe
• 9:03
  sophomore
• 9:04
  year
• 9:04
  and
• 9:04
  junior
• 9:04
  or
• 9:05
  senior
• 9:05
  year,
• 9:05
  hey,
• 9:05
  put
• 9:06
  them
• 9:06
  to
• 9:06
  work
• 9:06
  over
• 9:06
  the
• 9:06
  summer,
• 9:07
  research
• 9:07
  in
• 9:08
  those
• 9:08
  scholarships.
• 9:08
  Start
• 9:09
  writing
• 9:09
  those
• 9:10
  scholarship
• 9:10
  proposals.
• 9:11
  Those
• 9:11
  grant
• 9:11
  proposals
• 9:12
  don't
• 9:12
  just
• 9:12
  leave
• 9:13
  that
• 9:13
  money
• 9:13
  on
• 9:13
  the
• 9:13
  table.
• 9:15
  So
• 9:15
  here's
• 9:15
  your
• 9:15
  one
• 9:15
  action
• 9:16
  step
• 9:16
  for
• 9:16
  today.
• 9:16
  It's
• 9:17
  time
• 9:17
  to
• 9:17
  start
• 9:17
  the
• 9:17
  conversation.
• 9:19
  That's
• 9:19
  really
• 9:19
  what
• 9:19
  I
• 9:20
  wanted
• 9:20
  to
• 9:20
  talk
• 9:20
  about
• 9:20
  today,
• 9:21
  that's
• 9:21
  the
• 9:21
  big
• 9:21
  takeaway
• 9:22
  for
• 9:22
  today
• 9:22
  is
• 9:23
  start
• 9:23
  a
• 9:23
  conversation.
• 9:24
  Hey,
• 9:25
  with
• 9:25
  young
• 9:25
  kids,
• 9:26
  it's
• 9:26
  time
• 9:26
  to
• 9:27
  be
• 9:27
  light
• 9:27
  about
• 9:27
  it.
• 9:27
  Maybe
• 9:28
  start
• 9:28
  talking
• 9:28
  to
• 9:28
  them
• 9:29
  about
• 9:29
  dreams
• 9:29
  and
• 9:29
  future
• 9:30
  possibilities.
• 9:31
  And
• 9:31
  hey,
• 9:31
  with
• 9:31
  your
• 9:31
  teens,
• 9:32
  be
• 9:32
  honest
• 9:32
  with
• 9:32
  them.
• 9:33
  Have
• 9:33
  faith
• 9:34
  filled
• 9:34
  chats
• 9:34
  about
• 9:34
  the
• 9:35
  cost
• 9:35
  and
• 9:35
  the
• 9:36
  real
• 9:36
  options
• 9:36
  out
• 9:36
  there
• 9:37
  for
• 9:37
  them.
• 9:37
  And
• 9:38
  then
• 9:38
  as
• 9:38
  you
• 9:38
  develop
• 9:39
  those
• 9:39
  conversations,
• 9:40
  start
• 9:40
  to
• 9:41
  look
• 9:41
  at
• 9:41
  one
• 9:41
  or
• 9:41
  two
• 9:41
  affordable
• 9:42
  paths.
• 9:42
  And
• 9:43
  if
• 9:43
  your
• 9:43
  kids
• 9:43
  are
• 9:43
  real
• 9:44
  young,
• 9:44
  start
• 9:44
  that
• 9:44
  savings
• 9:45
  account.
• 9:45
  Open
• 9:45
  that
• 9:45
  college
• 9:46
  savings
• 9:46
  account
• 9:46
  account
• 9:46
  or
• 9:46
  that
• 9:47
  529
• 9:48
  plan.
• 9:48
  Hey,
• 9:48
  one
• 9:48
  of
• 9:48
  the
• 9:48
  things
• 9:48
  I'm
• 9:49
  going
• 9:49
  to
• 9:49
  encourage
• 9:49
  you
• 9:49
  to
• 9:49
  do
• 9:50
  is
• 9:50
  do
• 9:50
  it
• 9:50
  automated.
• 9:51
  Start
• 9:51
  those
• 9:51
  small
• 9:52
  monthly
• 9:52
  amounts
• 9:53
  that
• 9:53
  are
• 9:53
  just
• 9:53
  automated
• 9:54
  so
• 9:54
  you
• 9:54
  don't
• 9:54
  have
• 9:54
  to
• 9:54
  worry
• 9:55
  about
• 9:55
  it.
• 9:55
  And
• 9:55
  the
• 9:55
  other
• 9:56
  big
• 9:56
  key
• 9:56
  takeaway
• 9:57
  for
• 9:57
  today
• 9:57
  is
• 9:58
  search
• 9:58
  for
• 9:59
  scholarships
• 9:59
  and
• 10:00
  grants.
• 10:01
  Because
• 10:01
  here's
• 10:01
  the
• 10:01
  thing,
• 10:01
  here's,
• 10:02
  here's
• 10:02
  why
• 10:02
  I
• 10:02
  tell
• 10:02
  you
• 10:02
  to
• 10:03
  do
• 10:03
  all
• 10:03
  these
• 10:03
  things
• 10:03
  today.
• 10:04
  Because
• 10:04
  a
• 10:04
  lot
• 10:05
  of
• 10:05
  people
• 10:05
  are,
• 10:05
  when
• 10:05
  in
• 10:06
  that
• 10:06
  we
• 10:06
  talked
• 10:06
  about
• 10:06
  this
• 10:06
  at
• 10:06
  the
• 10:07
  beginning,
• 10:07
  they're
• 10:07
  paralyzed
• 10:08
  by
• 10:09
  that
• 10:09
  fear
• 10:09
  of
• 10:09
  that
• 10:10
  financial
• 10:10
  analysis.
• 10:11
  Well,
• 10:11
  if
• 10:12
  you
• 10:12
  do
• 10:12
  these
• 10:12
  things,
• 10:13
  number
• 10:13
  one
• 10:13
  thing
• 10:13
  it's
• 10:13
  going
• 10:13
  to
• 10:14
  do,
• 10:14
  it's
• 10:14
  going
• 10:14
  to
• 10:14
  reduce
• 10:14
  your
• 10:14
  fear.
• 10:15
  You're
• 10:15
  going
• 10:16
  to
• 10:16
  stop
• 10:16
  worrying
• 10:16
  about
• 10:16
  it
• 10:17
  because
• 10:17
  you're
• 10:17
  going
• 10:17
  to
• 10:17
  see
• 10:17
  there
• 10:17
  are
• 10:18
  tangible
• 10:18
  things
• 10:18
  that
• 10:18
  you
• 10:19
  can
• 10:19
  do.
• 10:19
  It's
• 10:19
  going
• 10:19
  to
• 10:19
  help
• 10:20
  provide
• 10:20
  you
• 10:20
  direction.
• 10:20
  It's
• 10:21
  going
• 10:21
  to
• 10:21
  be
• 10:21
  that
• 10:21
  roadmap.
• 10:22
  How
• 10:22
  do
• 10:22
  you
• 10:22
  get
• 10:22
  from
• 10:23
  point
• 10:23
  A
• 10:23
  to
• 10:23
  point
• 10:24
  B?
• 10:24
  Well,
• 10:24
  maybe
• 10:24
  you
• 10:25
  look
• 10:25
  at
• 10:25
  community
• 10:25
  college,
• 10:26
  maybe
• 10:26
  you
• 10:26
  look
• 10:26
  at
• 10:26
  a
• 10:27
  military
• 10:27
  option,
• 10:28
  maybe
• 10:28
  you
• 10:28
  look
• 10:28
  at
• 10:29
  some
• 10:29
  of
• 10:29
  the
• 10:29
  scholarships
• 10:30
  and
• 10:30
  grants.
• 10:31
  And
• 10:31
  here's
• 10:31
  the
• 10:31
  big
• 10:31
  thing
• 10:32
  I
• 10:32
  want
• 10:32
  to
• 10:32
  tell
• 10:32
  you,
• 10:33
  empower
• 10:33
  your
• 10:34
  children.
• 10:34
  I
• 10:35
  don't
• 10:35
  know
• 10:35
  how
• 10:35
  many
• 10:35
  clients
• 10:35
  I've
• 10:36
  had
• 10:36
  that
• 10:36
  come
• 10:36
  in
• 10:36
  through
• 10:36
  the
• 10:37
  years.
• 10:37
  And
• 10:37
  they'll
• 10:37
  say,
• 10:37
  yeah,
• 10:38
  my
• 10:38
  kids
• 10:38
  are
• 10:38
  getting
• 10:38
  ready
• 10:39
  to
• 10:39
  college.
• 10:40
  And
• 10:40
  I've
• 10:40
  told
• 10:40
  them,
• 10:41
  hey,
• 10:41
  it's
• 10:42
  going
• 10:42
  to
• 10:42
  be
• 10:42
  tough
• 10:42
  for
• 10:42
  mom
• 10:43
  and
• 10:43
  dad.
• 10:43
  It's
• 10:44
  going
• 10:44
  to
• 10:44
  be
• 10:44
  tough
• 10:44
  for
• 10:44
  us
• 10:44
  to
• 10:44
  pay
• 10:44
  for
• 10:45
  this.
• 10:46
  You
• 10:46
  guys
• 10:46
  got
• 10:46
  to
• 10:46
  get
• 10:47
  involved
• 10:47
  in
• 10:47
  this
• 10:48
  and
• 10:48
  empower
• 10:48
  your
• 10:49
  children.
• 10:49
  Have
• 10:50
  them
• 10:50
  search
• 10:50
  for
• 10:50
  those
• 10:51
  scholarships,
• 10:51
  have
• 10:52
  them
• 10:52
  do
• 10:52
  those
• 10:52
  scholarship
• 10:53
  applications.
• 10:54
  Yeah,
• 10:54
  it
• 10:54
  might
• 10:54
  be
• 10:55
  some
• 10:55
  work
• 10:55
  on
• 10:55
  their
• 10:55
  part,
• 10:56
  but
• 10:56
  they've
• 10:57
  got
• 10:57
  to
• 10:57
  get
• 10:57
  invested
• 10:57
  in
• 10:58
  this.
• 10:58
  And
• 10:58
  the
• 10:58
  big,
• 10:59
  all
• 10:59
  of
• 10:59
  these
• 10:59
  things
• 11:00
  lead
• 11:00
  to
• 11:01
  family
• 11:01
  peace.
• 11:01
  That's
• 11:02
  the
• 11:02
  really
• 11:02
  the
• 11:02
  key
• 11:03
  thing
• 11:03
  here.
• 11:03
  Well,
• 11:03
  how
• 11:03
  about
• 11:03
  we
• 11:04
  pray
• 11:04
  together?
• 11:05
  Father
• 11:05
  God,
• 11:05
  we
• 11:06
  thank
• 11:06
  you
• 11:06
  for
• 11:06
  the
• 11:06
  gift
• 11:07
  of
• 11:07
  learning,
• 11:07
  Lord,
• 11:08
  and
• 11:08
  the
• 11:08
  potential
• 11:08
  for
• 11:09
  our
• 11:09
  children
• 11:09
  to
• 11:10
  have
• 11:10
  an
• 11:10
  education.
• 11:11
  And
• 11:11
  we
• 11:12
  must
• 11:12
  confess
• 11:12
  that
• 11:12
  planning
• 11:13
  for
• 11:13
  college
• 11:13
  cost
• 11:14
  often
• 11:14
  brings
• 11:14
  on
• 11:14
  this
• 11:15
  immense
• 11:15
  stress
• 11:16
  and
• 11:16
  this
• 11:16
  fear
• 11:17
  of
• 11:17
  going
• 11:17
  into
• 11:17
  debt
• 11:18
  and
• 11:18
  this
• 11:18
  fear
• 11:18
  of
• 11:18
  leaving
• 11:19
  our
• 11:19
  kids
• 11:19
  with
• 11:20
  this
• 11:20
  debt
• 11:20
  of
• 11:20
  these
• 11:20
  student
• 11:21
  loans.
• 11:22
  So
• 11:22
  we
• 11:22
  would
• 11:22
  just
• 11:23
  ask
• 11:23
  that
• 11:23
  you
• 11:23
  would
• 11:23
  grant
• 11:23
  us
• 11:24
  wisdom,
• 11:24
  Lord,
• 11:24
  and
• 11:25
  grant
• 11:25
  us
• 11:25
  foresight
• 11:26
  as
• 11:26
  we
• 11:26
  plan
• 11:26
  for
• 11:26
  future
• 11:27
  education.
• 11:28
  Help
• 11:28
  us
• 11:28
  to
• 11:28
  be
• 11:29
  diligent
• 11:29
  in
• 11:29
  our
• 11:29
  savings
• 11:30
  and
• 11:30
  explore
• 11:31
  those
• 11:31
  affordable
• 11:31
  opportunities
• 11:32
  and
• 11:32
  really
• 11:33
  help
• 11:33
  us
• 11:33
  to
• 11:33
  equip
• 11:34
  our
• 11:34
  children
• 11:34
  wisely
• 11:35
  and
• 11:36
  fill
• 11:36
  our
• 11:36
  hearts
• 11:36
  with
• 11:37
  your
• 11:37
  peace,
• 11:37
  Lord,
• 11:37
  as
• 11:38
  we
• 11:38
  trust
• 11:38
  you
• 11:38
  for,
• 11:39
  for
• 11:39
  their
• 11:39
  future
• 11:39
  provision.
• 11:40
  And
• 11:40
  we
• 11:40
  ask
• 11:40
  this
• 11:40
  with
• 11:41
  confidence
• 11:42
  in
• 11:42
  Jesus
• 11:43
  name,
• 11:44
  Amen.
• 11:45
  I
• 11:46
  just
• 11:46
  want
• 11:46
  to,
• 11:46
  I
• 11:46
  want
• 11:46
  to
• 11:46
  say
• 11:47
  something
• 11:47
  here
• 11:47
  that's,
• 11:47
  that's,
• 11:48
  I
• 11:48
  just
• 11:48
  think
• 11:48
  it's
• 11:48
  really
• 11:48
  important
• 11:49
  that
• 11:49
  I
• 11:49
  say
• 11:49
  this
• 11:51
  planning
• 11:51
  doesn't
• 11:52
  erase
• 11:52
  the
• 11:52
  challenge.
• 11:54
  There's
• 11:55
  still
• 11:55
  going
• 11:55
  to
• 11:55
  be
• 11:55
  a
• 11:55
  challenge
• 11:55
  here.
• 11:56
  It's
• 11:56
  still
• 11:56
  expensive.
• 11:57
  Hey,
• 11:57
  college
• 11:57
  education
• 11:58
  is
• 11:58
  not
• 11:59
  cheap.
• 11:59
  There's
• 12:00
  a
• 12:00
  challenge
• 12:00
  here.
• 12:02
  But
• 12:02
  planning
• 12:02
  does
• 12:03
  do
• 12:03
  this.
• 12:04
  Planning
• 12:04
  makes
• 12:04
  it
• 12:05
  manageable.
• 12:05
  And
• 12:06
  hey,
• 12:06
  something
• 12:07
  manageable,
• 12:08
  break
• 12:08
  it
• 12:08
  down
• 12:08
  into
• 12:09
  small
• 12:09
  little
• 12:09
  itty
• 12:10
  bitty
• 12:10
  pieces,
• 12:10
  whatever
• 12:11
  that
• 12:11
  works,
• 12:12
  makes
• 12:12
  it
• 12:13
  manageable.
• 12:13
  So
• 12:13
  start
• 12:14
  small,
• 12:14
  but
• 12:15
  start
• 12:15
  now.
• 12:16
  Another
• 12:16
  thing
• 12:16
  I'm
• 12:17
  going
• 12:17
  to
• 12:17
  encourage
• 12:17
  you
• 12:17
  to
• 12:17
  do
• 12:17
  is
• 12:18
  share
• 12:18
  this
• 12:18
  episode
• 12:18
  with
• 12:19
  other
• 12:19
  people
• 12:19
  in
• 12:20
  your
• 12:20
  peer
• 12:20
  group.
• 12:20
  Maybe
• 12:21
  you've
• 12:21
  got
• 12:21
  some
• 12:21
  neighbors,
• 12:21
  you've
• 12:22
  got
• 12:22
  some
• 12:22
  your
• 12:23
  kids,
• 12:23
  friends
• 12:23
  from
• 12:23
  school,
• 12:24
  maybe
• 12:24
  their
• 12:24
  parents
• 12:25
  are
• 12:25
  feeling
• 12:25
  these
• 12:25
  same
• 12:26
  pressures.
• 12:26
  Or
• 12:26
  maybe,
• 12:27
  hey,
• 12:27
  listen,
• 12:27
  maybe
• 12:28
  it's
• 12:28
  your
• 12:28
  baby
• 12:28
  group.
• 12:29
  You
• 12:29
  start
• 12:29
  talking
• 12:29
  about
• 12:29
  college
• 12:30
  playing,
• 12:30
  look
• 12:30
  at
• 12:30
  you
• 12:30
  like
• 12:31
  you're
• 12:31
  crazy.
• 12:31
  I'm
• 12:31
  trying
• 12:32
  to
• 12:32
  figure
• 12:32
  out
• 12:32
  how
• 12:32
  to
• 12:32
  get
• 12:32
  through
• 12:32
  the
• 12:33
  next
• 12:33
  couple
• 12:33
  days
• 12:34
  with
• 12:34
  diaper
• 12:34
  changes
• 12:35
  and
• 12:35
  sleeping
• 12:35
  through
• 12:35
  the
• 12:36
  night.
• 12:36
  But
• 12:36
  I'm
• 12:36
  going
• 12:36
  to
• 12:36
  encourage
• 12:37
  you
• 12:37
  to
• 12:37
  share
• 12:37
  the
• 12:38
  show.
• 12:38
  You
• 12:38
  can
• 12:38
  point
• 12:38
  them
• 12:39
  to
• 12:39
  financial
• 12:40
  confidentchristian.com
• 12:42
  send
• 12:42
  them
• 12:42
  a
• 12:42
  text,
• 12:42
  send
• 12:43
  them
• 12:43
  an
• 12:43
  email,
• 12:43
  share
• 12:44
  it
• 12:44
  with
• 12:44
  your
• 12:44
  Bible
• 12:45
  study.
• 12:45
  Hey,
• 12:46
  give
• 12:46
  people
• 12:46
  knowledge.
• 12:47
  It
• 12:47
  will
• 12:47
  pay
• 12:47
  off
• 12:48
  in
• 12:48
  the
• 12:48
  long
• 12:48
  run.
• 12:49
  Now
• 12:49
  tomorrow
• 12:49
  we're
• 12:50
  going
• 12:50
  to
• 12:50
  talk
• 12:50
  about
• 12:50
  this
• 12:50
  and
• 12:51
  that
• 12:51
  is
• 12:51
  how
• 12:51
  can
• 12:51
  I
• 12:52
  teach
• 12:52
  my
• 12:52
  teenager?
• 12:53
  Yeah,
• 12:53
  we're
• 12:53
  talking
• 12:53
  about
• 12:53
  teaching
• 12:54
  teenager.
• 12:54
  It's
• 12:54
  going
• 12:54
  to
• 12:54
  be
• 12:55
  fun
• 12:55
  how
• 12:55
  we
• 12:56
  teach
• 12:56
  our
• 12:56
  teenagers
• 12:56
  about
• 12:57
  managing
• 12:57
  money
• 12:58
  without
• 12:58
  constant
• 12:59
  arguing.
• 12:59
  Listen,
• 13:00
  having
• 13:00
  to
• 13:00
  raise
• 13:01
  two
• 13:01
  teenagers,
• 13:02
  you're
• 13:02
  probably
• 13:02
  sitting
• 13:02
  there
• 13:03
  saying
• 13:03
  right
• 13:03
  now,
• 13:03
  Ralph,
• 13:04
  oh,
• 13:04
  good
• 13:04
  luck
• 13:04
  with
• 13:04
  this
• 13:04
  one.
• 13:05
  But
• 13:05
  we're
• 13:05
  going
• 13:05
  to
• 13:05
  talk
• 13:05
  about
• 13:06
  allowances.
• 13:07
  I'm
• 13:07
  going
• 13:07
  to
• 13:07
  call
• 13:07
  them
• 13:08
  something
• 13:08
  different.
• 13:08
  I'm
• 13:09
  going
• 13:09
  to
• 13:09
  have
• 13:09
  you
• 13:09
  join
• 13:09
  me
• 13:10
  tomorrow.
• 13:10
  We're
• 13:10
  going
• 13:10
  to
• 13:10
  talk
• 13:11
  about
• 13:11
  spending
• 13:11
  boundaries.
• 13:12
  Hey,
• 13:12
  we're
• 13:12
  going
• 13:12
  to
• 13:12
  talk
• 13:12
  about
• 13:12
  part
• 13:13
  time
• 13:13
  jobs
• 13:13
  and
• 13:14
  we're
• 13:14
  going
• 13:14
  to
• 13:14
  talk
• 13:14
  about
• 13:14
  doing
• 13:15
  it
• 13:15
  all
• 13:15
  with
• 13:15
  grace.
• 13:15
  I'm
• 13:16
  going
• 13:16
  to
• 13:16
  encourage
• 13:16
  you.
• 13:16
  Don't
• 13:17
  miss
• 13:17
  it.
• 13:17
  Now
• 13:17
  let's
• 13:18
  all
• 13:18
  go
• 13:18
  out
• 13:18
  there
• 13:18
  today
• 13:18
  and
• 13:19
  be
• 13:19
  financially
• 13:20
  confident
• 13:20
  Christians.
• 13:21
  You
• 13:21
  can
• 13:22
  do
• 13:22
  this.
• 13:23
  I
• 13:23
  have
• 13:23
  confidence
• 13:24
  in
• 13:24
  you.
• 13:24
  Have
• 13:24
  confidence
• 13:25
  in
• 13:25
  yourself.
• 13:26
  God
• 13:26
  bless
• 13:26
  you
• 13:26
  and
• 13:27
  you
• 13:27
  have
• 13:27
  a
• 13:27
  great
• 13:27
  day
• 13:28
  today.