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Memories over Money: How to avoid holiday debt? · Becoming Financially Confident

• 0:37
  Ralph,
• 0:38
  every
• 0:38
  year
• 0:38
  I
• 0:38
  spend
• 0:39
  so
• 0:39
  much
• 0:39
  on
• 0:39
  gifts
• 0:39
  and
• 0:40
  decorations
• 0:40
  that
• 0:40
  I
• 0:40
  forget
• 0:41
  what
• 0:41
  the
• 0:41
  holidays
• 0:42
  are
• 0:42
  really
• 0:42
  about.
• 0:43
  How
• 0:43
  do
• 0:43
  I
• 0:43
  focus
• 0:44
  on
• 0:44
  making
• 0:44
  memories
• 0:45
  without
• 0:45
  overspending?
• 0:46
  What
• 0:47
  a
• 0:47
  great
• 0:47
  question.
• 0:47
  I'm
• 0:48
  so
• 0:48
  happy
• 0:48
  you
• 0:48
  sent
• 0:49
  that
• 0:49
  in.
• 0:49
  Listen,
• 0:49
  if
• 0:49
  you've
• 0:49
  got
• 0:50
  a
• 0:50
  question
• 0:50
  for
• 0:50
  the
• 0:50
  show
• 0:51
  you
• 0:51
  can
• 0:51
  send
• 0:52
  it
• 0:52
  to,
• 0:52
  justaskRalph.com.
• 0:53
  just
• 0:54
  go
• 0:54
  to
• 0:54
  that
• 0:54
  website,
• 0:55
  put
• 0:55
  your
• 0:55
  name,
• 0:55
  your
• 0:56
  email
• 0:56
  address
• 0:56
  and
• 0:57
  the
• 0:57
  question
• 0:57
  you
• 0:57
  want
• 0:57
  to
• 0:57
  send
• 0:57
  over,
• 0:58
  and
• 0:58
  guess
• 0:58
  what?
• 0:58
  You
• 0:59
  might
• 0:59
  very
• 0:59
  well
• 0:59
  be
• 0:59
  on
• 0:59
  the
• 1:00
  show.
• 1:01
  The
• 1:01
  truth
• 1:01
  is,
• 1:02
  what
• 1:02
  do
• 1:02
  people
• 1:02
  remember
• 1:03
  the
• 1:03
  most?
• 1:04
  I
• 1:04
  want
• 1:04
  you
• 1:04
  to
• 1:05
  really
• 1:05
  think
• 1:05
  about
• 1:05
  this
• 1:05
  for
• 1:05
  a
• 1:06
  second.
• 1:06
  Do
• 1:06
  they
• 1:06
  remember
• 1:07
  the
• 1:07
  gifts
• 1:07
  or
• 1:08
  do
• 1:08
  they
• 1:08
  remember
• 1:08
  the
• 1:09
  moments?
• 1:10
  Well,
• 1:10
  today
• 1:10
  on
• 1:10
  the
• 1:10
  show,
• 1:10
  let's
• 1:11
  talk
• 1:11
  about
• 1:11
  how
• 1:11
  to
• 1:11
  build
• 1:11
  memories
• 1:12
  that
• 1:12
  last
• 1:13
  longer
• 1:13
  than
• 1:14
  those
• 1:14
  dreaded
• 1:14
  credit
• 1:15
  card
• 1:15
  receipts.
• 1:17
  This
• 1:18
  is
• 1:18
  Financially
• 1:19
  Confident
• 1:19
  Christian,
• 1:20
  your
• 1:20
  daily
• 1:20
  dose
• 1:21
  of
• 1:21
  gospel,
• 1:21
  grounded
• 1:22
  insight
• 1:22
  and
• 1:22
  faith
• 1:23
  driven
• 1:23
  tips
• 1:24
  to
• 1:24
  help
• 1:24
  you
• 1:24
  break
• 1:24
  the
• 1:25
  cycle
• 1:25
  of
• 1:25
  financial
• 1:26
  shame
• 1:26
  with
• 1:26
  confidence.
• 1:29
  Welcome
• 1:29
  to
• 1:29
  the
• 1:29
  show.
• 1:29
  I'm
• 1:30
  Ralph.
• 1:31
  This
• 1:31
  is
• 1:31
  the
• 1:31
  show
• 1:31
  that
• 1:31
  helps
• 1:32
  you
• 1:32
  break
• 1:32
  that
• 1:32
  cycle
• 1:32
  of
• 1:33
  financial
• 1:33
  shame
• 1:34
  with
• 1:34
  confidence.
• 1:35
  And
• 1:35
  today
• 1:35
  we're
• 1:35
  continuing
• 1:36
  our
• 1:36
  series
• 1:36
  about
• 1:37
  how
• 1:37
  to
• 1:37
  have
• 1:37
  a
• 1:37
  joyful
• 1:38
  holiday
• 1:38
  without
• 1:39
  going
• 1:39
  into
• 1:39
  debt
• 1:40
  to
• 1:40
  do
• 1:40
  it.
• 1:40
  I
• 1:40
  want
• 1:40
  to
• 1:40
  start
• 1:40
  today
• 1:41
  talking
• 1:41
  about
• 1:41
  one
• 1:42
  of
• 1:42
  the
• 1:42
  greatest
• 1:42
  Christmases
• 1:43
  my
• 1:43
  family
• 1:43
  ever
• 1:44
  had.
• 1:44
  Let
• 1:44
  me
• 1:44
  tell
• 1:44
  you
• 1:44
  about
• 1:44
  that.
• 1:45
  Let
• 1:45
  me
• 1:45
  set
• 1:45
  the
• 1:45
  scene
• 1:45
  for
• 1:45
  you.
• 1:46
  Every
• 1:47
  year
• 1:47
  it
• 1:47
  seemed
• 1:48
  like
• 1:48
  all
• 1:48
  we
• 1:48
  did
• 1:48
  was
• 1:48
  we
• 1:49
  got
• 1:49
  this
• 1:49
  list
• 1:49
  of
• 1:49
  stuff
• 1:50
  from
• 1:50
  the
• 1:50
  kids.
• 1:50
  They
• 1:50
  gave
• 1:51
  us
• 1:51
  a
• 1:51
  list
• 1:51
  of,
• 1:51
  oh,
• 1:51
  we
• 1:52
  want
• 1:52
  this
• 1:52
  and
• 1:52
  we
• 1:52
  want
• 1:53
  that
• 1:53
  and
• 1:53
  this
• 1:54
  toy
• 1:54
  and
• 1:54
  that
• 1:54
  toy
• 1:55
  and
• 1:55
  this
• 1:55
  and
• 1:55
  that.
• 1:55
  And
• 1:56
  I
• 1:56
  tell
• 1:56
  you
• 1:56
  what,
• 1:56
  there
• 1:57
  was
• 1:57
  one
• 1:57
  particular
• 1:57
  year
• 1:57
  I
• 1:57
  said
• 1:58
  to
• 1:58
  my
• 1:58
  wife,
• 1:58
  I
• 1:58
  said,
• 1:58
  every
• 1:59
  year
• 1:59
  these
• 1:59
  kids
• 2:00
  give
• 2:00
  us
• 2:00
  this
• 2:00
  list.
• 2:01
  I
• 2:01
  said,
• 2:01
  there's
• 2:01
  no
• 2:02
  joy
• 2:02
  in
• 2:02
  this.
• 2:03
  It's
• 2:03
  just,
• 2:03
  oh,
• 2:03
  dad,
• 2:04
  buy
• 2:04
  us
• 2:04
  this
• 2:04
  bias
• 2:05
  that.
• 2:05
  I
• 2:05
  said,
• 2:05
  we
• 2:05
  need
• 2:05
  to
• 2:05
  think,
• 2:05
  we
• 2:06
  need
• 2:06
  to
• 2:06
  change
• 2:06
  the
• 2:07
  dynamic.
• 2:07
  We
• 2:07
  need
• 2:07
  to
• 2:08
  change
• 2:08
  the
• 2:09
  what
• 2:09
  we
• 2:09
  are
• 2:09
  doing
• 2:09
  one
• 2:10
  time.
• 2:10
  And
• 2:10
  my
• 2:11
  wife
• 2:11
  said,
• 2:11
  hey,
• 2:11
  I
• 2:11
  found
• 2:12
  this
• 2:12
  thing
• 2:12
  online.
• 2:12
  It's
• 2:13
  called
• 2:13
  the
• 2:13
  Great
• 2:13
  Wolf
• 2:13
  Lodge.
• 2:13
  And
• 2:14
  I'm
• 2:14
  not
• 2:14
  promoting
• 2:14
  the
• 2:15
  Great
• 2:15
  Wolf
• 2:15
  Lodge.
• 2:15
  I
• 2:15
  don't
• 2:16
  have
• 2:16
  an
• 2:16
  affiliate
• 2:16
  relationship
• 2:17
  with
• 2:17
  them.
• 2:17
  But
• 2:19
  I
• 2:19
  said
• 2:19
  to
• 2:19
  the
• 2:19
  kids,
• 2:20
  I
• 2:20
  said,
• 2:20
  okay,
• 2:20
  we're
• 2:20
  going
• 2:20
  to
• 2:20
  change
• 2:21
  it
• 2:21
  up
• 2:21
  this
• 2:21
  year.
• 2:21
  We're
• 2:21
  going
• 2:21
  to
• 2:21
  do
• 2:22
  something
• 2:22
  different.
• 2:22
  Now,
• 2:22
  of
• 2:22
  course,
• 2:23
  the
• 2:23
  kids
• 2:23
  at
• 2:23
  first
• 2:23
  are
• 2:23
  like,
• 2:24
  whoa,
• 2:24
  man,
• 2:24
  wait
• 2:25
  a
• 2:25
  minute,
• 2:25
  are
• 2:25
  we
• 2:25
  not
• 2:25
  going
• 2:25
  to
• 2:25
  get
• 2:25
  any
• 2:26
  toys?
• 2:26
  I
• 2:26
  said,
• 2:26
  well,
• 2:26
  hold
• 2:26
  on
• 2:27
  a
• 2:27
  second.
• 2:28
  This
• 2:28
  is
• 2:28
  not
• 2:28
  an
• 2:28
  inexpensive
• 2:29
  thing
• 2:30
  to
• 2:30
  do.
• 2:30
  So
• 2:30
  you're
• 2:31
  going
• 2:31
  to
• 2:31
  get
• 2:31
  less
• 2:32
  gifts.
• 2:33
  But
• 2:33
  just
• 2:33
  bear
• 2:33
  with
• 2:34
  me
• 2:34
  here.
• 2:34
  You're
• 2:34
  going
• 2:34
  to
• 2:34
  really
• 2:35
  love
• 2:35
  this
• 2:35
  gift.
• 2:36
  So
• 2:36
  my
• 2:36
  youngest
• 2:37
  is
• 2:37
  like,
• 2:37
  I
• 2:37
  don't
• 2:37
  like
• 2:38
  this,
• 2:38
  dad.
• 2:38
  I
• 2:38
  like
• 2:38
  a
• 2:39
  bunch
• 2:39
  of
• 2:39
  toys.
• 2:39
  I
• 2:39
  said,
• 2:39
  well,
• 2:40
  Guess
• 2:40
  what?
• 2:40
  Your
• 2:41
  mom
• 2:41
  and
• 2:41
  I
• 2:41
  are
• 2:41
  in
• 2:41
  charge.
• 2:41
  So
• 2:42
  here's
• 2:42
  what
• 2:42
  we're
• 2:42
  going
• 2:42
  to
• 2:42
  do
• 2:42
  this
• 2:43
  year.
• 2:43
  So
• 2:43
  we
• 2:43
  made
• 2:43
  these
• 2:43
  plans.
• 2:44
  We
• 2:44
  decided
• 2:45
  we
• 2:45
  were
• 2:45
  going
• 2:45
  to
• 2:45
  take
• 2:45
  the
• 2:46
  kid's
• 2:46
  grandfather
• 2:47
  and
• 2:47
  the
• 2:47
  kid's
• 2:47
  uncle,
• 2:48
  and
• 2:48
  we
• 2:48
  made
• 2:48
  this
• 2:48
  plan
• 2:49
  to
• 2:49
  go
• 2:49
  to
• 2:49
  this
• 2:49
  Great
• 2:49
  Wolf
• 2:50
  Lodge.
• 2:50
  It
• 2:50
  was
• 2:50
  about
• 2:50
  two
• 2:51
  hours
• 2:51
  from
• 2:51
  our
• 2:51
  house,
• 2:52
  and
• 2:52
  the
• 2:52
  kids
• 2:52
  didn't
• 2:52
  really
• 2:53
  know
• 2:53
  too
• 2:53
  much
• 2:53
  about
• 2:53
  it.
• 2:53
  They
• 2:54
  were
• 2:54
  pretty
• 2:54
  young
• 2:54
  at
• 2:54
  the
• 2:54
  time.
• 2:54
  But
• 2:55
  I
• 2:55
  said,
• 2:55
  here's
• 2:55
  the
• 2:55
  deal.
• 2:56
  It's
• 2:56
  going
• 2:56
  to
• 2:57
  be
• 2:57
  very
• 2:57
  cool.
• 2:57
  There's
• 2:57
  a
• 2:58
  indoor
• 2:58
  water
• 2:58
  park.
• 2:59
  There's
• 2:59
  water
• 2:59
  slides,
• 3:00
  there's
• 3:00
  a
• 3:00
  wave
• 3:01
  pool.
• 3:01
  I
• 3:01
  mean,
• 3:01
  it's
• 3:02
  going
• 3:02
  to
• 3:02
  be
• 3:02
  fantastic.
• 3:02
  Now,
• 3:03
  of
• 3:03
  course,
• 3:03
  I
• 3:03
  didn't
• 3:03
  tell
• 3:03
  them
• 3:03
  this
• 3:04
  part.
• 3:04
  It
• 3:04
  was
• 3:04
  all,
• 3:05
  you
• 3:05
  can
• 3:05
  eat
• 3:05
  food.
• 3:05
  I
• 3:05
  mean,
• 3:05
  the
• 3:06
  buffets
• 3:06
  were
• 3:06
  amazing.
• 3:06
  That's
• 3:07
  when
• 3:07
  I
• 3:07
  was
• 3:07
  big
• 3:07
  and
• 3:07
  fat
• 3:08
  at
• 3:08
  the
• 3:08
  time.
• 3:08
  So
• 3:08
  I
• 3:09
  was
• 3:09
  loving
• 3:09
  the
• 3:09
  buffets.
• 3:10
  But
• 3:10
  here's
• 3:10
  the
• 3:10
  coolest
• 3:11
  part.
• 3:11
  I
• 3:11
  never
• 3:11
  forget
• 3:12
  this
• 3:12
  every
• 3:13
  night.
• 3:13
  And.
• 3:13
  And
• 3:13
  picture
• 3:14
  this.
• 3:14
  This
• 3:14
  big.
• 3:15
  It's
• 3:15
  like
• 3:15
  a
• 3:15
  ski
• 3:16
  lodge.
• 3:16
  That's
• 3:16
  the
• 3:16
  best
• 3:16
  way
• 3:17
  I
• 3:17
  can
• 3:17
  explain.
• 3:17
  This
• 3:18
  huge
• 3:18
  ski
• 3:18
  lodge
• 3:19
  had
• 3:19
  water
• 3:19
  park
• 3:20
  built
• 3:20
  into
• 3:20
  it,
• 3:21
  beautiful
• 3:22
  hotel.
• 3:22
  Well,
• 3:22
  every
• 3:22
  night
• 3:23
  in
• 3:23
  the
• 3:23
  lobby,
• 3:24
  they
• 3:24
  would
• 3:24
  play
• 3:24
  Christmas
• 3:25
  music.
• 3:25
  And
• 3:26
  as
• 3:26
  the
• 3:26
  Christmas
• 3:27
  music
• 3:27
  play,
• 3:27
  guess
• 3:27
  what,
• 3:27
  you
• 3:28
  sit
• 3:28
  there
• 3:28
  and
• 3:28
  it
• 3:28
  starts
• 3:28
  to
• 3:29
  snow
• 3:29
  in
• 3:29
  the
• 3:29
  lobby.
• 3:30
  And
• 3:30
  listen.
• 3:31
  My
• 3:31
  kids
• 3:31
  are
• 3:31
  like,
• 3:31
  wow,
• 3:31
  this
• 3:32
  is
• 3:32
  cool,
• 3:32
  dad.
• 3:32
  Now,
• 3:32
  of
• 3:32
  course,
• 3:33
  they
• 3:33
  wanted
• 3:33
  to
• 3:33
  make
• 3:33
  snowmen,
• 3:34
  but
• 3:34
  there
• 3:34
  wasn't
• 3:34
  enough
• 3:34
  snow
• 3:34
  to
• 3:34
  make
• 3:35
  snowmen
• 3:35
  or
• 3:35
  do
• 3:36
  snow
• 3:36
  angels.
• 3:37
  But
• 3:37
  what
• 3:38
  a
• 3:38
  great
• 3:38
  experience.
• 3:40
  Yes,
• 3:40
  it
• 3:40
  costs
• 3:41
  some
• 3:41
  money,
• 3:41
  but
• 3:42
  to
• 3:42
  this
• 3:42
  day,
• 3:42
  and
• 3:43
  my
• 3:43
  kids
• 3:43
  were
• 3:43
  just
• 3:43
  around,
• 3:43
  we
• 3:44
  were
• 3:44
  having
• 3:44
  a
• 3:44
  dinner
• 3:44
  as
• 3:44
  a
• 3:45
  family.
• 3:45
  Yesterday,
• 3:45
  my
• 3:45
  son
• 3:46
  is
• 3:46
  up
• 3:46
  from
• 3:46
  Texas
• 3:46
  with
• 3:46
  his
• 3:47
  wife,
• 3:47
  and
• 3:47
  we
• 3:47
  had
• 3:47
  a
• 3:47
  family
• 3:47
  dinner.
• 3:48
  And.
• 3:48
  And
• 3:48
  I
• 3:48
  said,
• 3:49
  I'm
• 3:49
  going
• 3:49
  to
• 3:49
  be
• 3:49
  recording
• 3:50
  a
• 3:50
  show
• 3:50
  the
• 3:50
  next
• 3:50
  couple
• 3:51
  days
• 3:51
  about
• 3:52
  family
• 3:52
  traditions
• 3:52
  and
• 3:53
  holiday
• 3:53
  tradition.
• 3:53
  They
• 3:54
  said,
• 3:54
  oh,
• 3:54
  you
• 3:54
  got
• 3:54
  to
• 3:54
  tell
• 3:54
  that
• 3:55
  one
• 3:55
  about
• 3:55
  Great
• 3:55
  Wolf
• 3:55
  Lodge.
• 3:56
  So
• 3:57
  think
• 3:57
  about
• 3:57
  that.
• 3:57
  They
• 3:57
  were
• 3:58
  really
• 3:58
  young,
• 3:58
  and
• 3:58
  they
• 3:58
  can
• 3:59
  still
• 3:59
  remember
• 4:00
  that
• 4:00
  time
• 4:00
  spent
• 4:01
  with
• 4:01
  my
• 4:01
  wife
• 4:01
  and
• 4:01
  I
• 4:02
  and
• 4:02
  their
• 4:02
  uncle
• 4:02
  and
• 4:02
  their
• 4:03
  grandfather.
• 4:04
  So
• 4:04
  it's
• 4:04
  those
• 4:05
  things
• 4:05
  that
• 4:05
  really
• 4:05
  matter.
• 4:06
  Which
• 4:06
  leads
• 4:06
  us
• 4:06
  back
• 4:06
  to
• 4:06
  our
• 4:07
  question
• 4:07
  today,
• 4:08
  and
• 4:08
  a
• 4:08
  great
• 4:08
  listener
• 4:09
  question
• 4:09
  we
• 4:09
  got.
• 4:09
  How
• 4:10
  do
• 4:10
  I
• 4:10
  focus
• 4:10
  on
• 4:10
  making
• 4:11
  memories
• 4:11
  without
• 4:12
  overspending?
• 4:13
  Yeah,
• 4:13
  it's
• 4:14
  really
• 4:14
  hard,
• 4:14
  isn't
• 4:14
  it?
• 4:15
  It's
• 4:15
  really
• 4:15
  hard
• 4:16
  not
• 4:16
  to
• 4:16
  overspend
• 4:16
  because
• 4:17
  we
• 4:17
  want
• 4:17
  to
• 4:17
  be
• 4:17
  that
• 4:17
  loving,
• 4:18
  want
• 4:18
  to
• 4:18
  give
• 4:18
  those
• 4:18
  gifts.
• 4:19
  But
• 4:20
  here's
• 4:20
  the
• 4:20
  thing
• 4:20
  I
• 4:20
  want
• 4:20
  you
• 4:21
  to
• 4:21
  really
• 4:21
  lean
• 4:21
  into
• 4:22
  today.
• 4:23
  Those
• 4:23
  memories
• 4:23
  last
• 4:24
  longer.
• 4:25
  I
• 4:25
  think
• 4:25
  about
• 4:26
  it
• 4:26
  in
• 4:26
  my
• 4:26
  own
• 4:26
  childhood.
• 4:27
  I
• 4:27
  can't
• 4:28
  remember
• 4:28
  the
• 4:28
  toys
• 4:28
  that
• 4:29
  my
• 4:29
  mom
• 4:29
  and
• 4:29
  dad
• 4:29
  got
• 4:30
  me
• 4:30
  or
• 4:30
  my
• 4:30
  grandparents
• 4:30
  got
• 4:31
  me.
• 4:31
  There's
• 4:31
  all
• 4:31
  kinds
• 4:32
  of
• 4:32
  things
• 4:32
  but
• 4:32
  man,
• 4:32
  I
• 4:32
  can
• 4:32
  remember
• 4:33
  the
• 4:33
  laughter
• 4:34
  and
• 4:34
  I
• 4:34
  can
• 4:34
  remember
• 4:35
  those
• 4:35
  connections.
• 4:35
  I
• 4:36
  can
• 4:36
  remember
• 4:36
  that
• 4:36
  Christmas
• 4:37
  at
• 4:37
  Great
• 4:38
  Wolf
• 4:38
  Lodge.
• 4:38
  I
• 4:38
  can
• 4:38
  remember
• 4:39
  those
• 4:39
  Christmases
• 4:40
  with
• 4:40
  my
• 4:40
  grandparents.
• 4:41
  And
• 4:41
  listen,
• 4:41
  you
• 4:42
  don't
• 4:42
  have
• 4:42
  to
• 4:42
  spend
• 4:42
  a
• 4:42
  lot
• 4:42
  of
• 4:42
  money
• 4:43
  either.
• 4:43
  Great
• 4:44
  Wolf
• 4:44
  Lodge
• 4:44
  was
• 4:44
  not
• 4:45
  cheap,
• 4:45
  but
• 4:45
  there
• 4:45
  are
• 4:46
  low
• 4:46
  cost
• 4:46
  things
• 4:46
  that
• 4:47
  make
• 4:47
  a
• 4:47
  huge
• 4:47
  impact.
• 4:48
  Maybe
• 4:48
  bake
• 4:48
  something
• 4:49
  together,
• 4:49
  play
• 4:50
  some
• 4:50
  family
• 4:50
  board
• 4:51
  games.
• 4:51
  Hey,
• 4:51
  maybe
• 4:51
  go
• 4:52
  out
• 4:52
  and
• 4:52
  walk
• 4:52
  around
• 4:53
  the
• 4:53
  neighborhood
• 4:53
  looking
• 4:54
  at
• 4:54
  Christmas
• 4:54
  lights.
• 4:54
  Those
• 4:55
  things
• 4:55
  don't
• 4:55
  cost
• 4:55
  anything
• 4:56
  at
• 4:56
  all.
• 4:56
  And
• 4:57
  I
• 4:57
  just
• 4:57
  want
• 4:57
  you
• 4:57
  to
• 4:57
  focus
• 4:58
  on
• 4:58
  experiences
• 4:59
  over
• 5:00
  purchases
• 5:00
  because
• 5:01
  those
• 5:01
  are
• 5:01
  the
• 5:01
  things
• 5:02
  that
• 5:02
  really
• 5:02
  strengthen
• 5:02
  relationships
• 5:03
  in
• 5:03
  life.
• 5:03
  I
• 5:04
  was
• 5:04
  driving
• 5:04
  back,
• 5:04
  we
• 5:05
  went
• 5:05
  out
• 5:05
  and
• 5:05
  got
• 5:05
  some
• 5:05
  pizza
• 5:06
  with
• 5:06
  the
• 5:06
  kids
• 5:06
  yesterday.
• 5:06
  And
• 5:07
  I'm
• 5:07
  driving
• 5:07
  along
• 5:07
  and
• 5:08
  my
• 5:08
  wife
• 5:08
  and
• 5:09
  my
• 5:09
  son
• 5:09
  and
• 5:10
  my
• 5:10
  daughter
• 5:10
  in
• 5:10
  law
• 5:10
  are
• 5:11
  in
• 5:11
  the
• 5:11
  back
• 5:11
  seat.
• 5:11
  My
• 5:11
  youngest
• 5:12
  is
• 5:12
  in
• 5:12
  the
• 5:12
  front
• 5:12
  seat.
• 5:12
  And
• 5:13
  I
• 5:13
  was
• 5:13
  just
• 5:13
  savoring
• 5:14
  like
• 5:14
  this
• 5:14
  is
• 5:14
  what
• 5:14
  life's
• 5:15
  all
• 5:15
  about.
• 5:16
  It's
• 5:16
  those
• 5:16
  relationships.
• 5:17
  It
• 5:17
  wasn't
• 5:17
  about
• 5:18
  gifts,
• 5:18
  it
• 5:18
  was
• 5:18
  the
• 5:19
  relationships.
• 5:19
  Because
• 5:20
  we're
• 5:20
  building
• 5:20
  traditions,
• 5:21
  we're
• 5:21
  building
• 5:22
  a
• 5:22
  legacy.
• 5:22
  And
• 5:22
  I
• 5:22
  asked
• 5:23
  my
• 5:23
  daughter
• 5:23
  in
• 5:23
  law,
• 5:23
  I
• 5:23
  said,
• 5:23
  what
• 5:24
  was
• 5:24
  the
• 5:24
  big
• 5:24
  thing
• 5:24
  that
• 5:24
  you
• 5:25
  did
• 5:25
  with
• 5:25
  your
• 5:25
  family?
• 5:25
  And
• 5:26
  of
• 5:26
  course
• 5:26
  my
• 5:26
  son
• 5:26
  was
• 5:27
  kind
• 5:27
  of
• 5:27
  annoyed
• 5:27
  by
• 5:27
  this.
• 5:27
  He
• 5:28
  said,
• 5:28
  but
• 5:28
  dad,
• 5:28
  here's
• 5:28
  what
• 5:29
  they
• 5:29
  do.
• 5:29
  They
• 5:29
  have
• 5:30
  this
• 5:30
  ceremony
• 5:30
  at
• 5:31
  Christmas.
• 5:31
  They
• 5:31
  open
• 5:32
  one
• 5:32
  gift
• 5:32
  at
• 5:32
  a
• 5:33
  time
• 5:33
  and
• 5:33
  each
• 5:33
  person
• 5:34
  takes
• 5:34
  their
• 5:34
  time
• 5:35
  and
• 5:35
  they're
• 5:35
  sort
• 5:35
  of
• 5:35
  center
• 5:36
  stage
• 5:36
  on
• 5:36
  that.
• 5:37
  But
• 5:37
  that's
• 5:37
  their
• 5:37
  ceremony.
• 5:38
  Doesn't
• 5:38
  cost
• 5:38
  them
• 5:39
  anything
• 5:39
  to
• 5:39
  do
• 5:39
  that.
• 5:40
  But
• 5:40
  that's
• 5:40
  their
• 5:40
  tradition.
• 5:41
  That's
• 5:41
  their
• 5:42
  legacy.
• 5:42
  And
• 5:42
  I
• 5:42
  was
• 5:43
  planning
• 5:43
  the
• 5:43
  episode
• 5:43
  with
• 5:44
  Abby,
• 5:44
  she
• 5:44
  lives
• 5:45
  in
• 5:45
  the
• 5:45
  Philippines
• 5:45
  actually.
• 5:46
  And
• 5:46
  she
• 5:46
  was
• 5:47
  telling
• 5:47
  me,
• 5:47
  ralph,
• 5:47
  in
• 5:48
  September
• 5:48
  here,
• 5:49
  we're
• 5:49
  already
• 5:49
  starting
• 5:50
  the
• 5:50
  holiday
• 5:50
  season.
• 5:50
  She
• 5:51
  was
• 5:51
  telling
• 5:51
  me
• 5:51
  that
• 5:51
  Christmas
• 5:51
  songs
• 5:52
  are
• 5:52
  playing
• 5:52
  already.
• 5:53
  So
• 5:54
  she
• 5:54
  hears
• 5:54
  those
• 5:54
  songs
• 5:55
  and
• 5:55
  that's
• 5:55
  tradition
• 5:55
  for
• 5:56
  her.
• 5:56
  But
• 5:57
  that
• 5:57
  doesn't
• 5:57
  mean
• 5:57
  you
• 5:58
  have
• 5:58
  to
• 5:58
  go
• 5:58
  into
• 5:58
  debt
• 5:59
  like
• 6:00
  this
• 6:00
  person
• 6:00
  alluded
• 6:01
  to
• 6:01
  today.
• 6:01
  That
• 6:02
  overspending,
• 6:03
  that
• 6:03
  putting
• 6:04
  that
• 6:04
  money
• 6:04
  in
• 6:04
  that
• 6:04
  credit
• 6:05
  card
• 6:05
  or
• 6:05
  whatever
• 6:05
  it
• 6:05
  looks
• 6:05
  like
• 6:06
  for
• 6:06
  you,
• 6:06
  it
• 6:07
  just
• 6:07
  robs
• 6:07
  the
• 6:07
  peace
• 6:08
  later.
• 6:08
  Yeah,
• 6:08
  you
• 6:08
  can
• 6:08
  have
• 6:09
  a
• 6:09
  great
• 6:09
  holiday
• 6:09
  season.
• 6:10
  But
• 6:10
  then,
• 6:10
  man,
• 6:11
  come
• 6:11
  January,
• 6:12
  your
• 6:12
  peace
• 6:13
  is
• 6:13
  just
• 6:13
  gone.
• 6:14
  Because
• 6:14
  I
• 6:15
  want
• 6:15
  you
• 6:15
  to
• 6:15
  remember
• 6:15
  this.
• 6:16
  Memories
• 6:16
  don't
• 6:16
  come
• 6:17
  with
• 6:17
  interest
• 6:17
  charges.
• 6:18
  They
• 6:19
  just
• 6:19
  come
• 6:19
  from
• 6:19
  the
• 6:19
  heart.
• 6:19
  Which
• 6:20
  leads
• 6:20
  me
• 6:20
  to
• 6:20
  our
• 6:20
  Bible
• 6:21
  verse
• 6:21
  today.
• 6:21
  This
• 6:22
  one
• 6:22
  comes
• 6:22
  from
• 6:22
  the
• 6:22
  book
• 6:22
  of
• 6:22
  Ecclesiastes,
• 6:24
  chapter
• 6:24
  3,
• 6:24
  verse
• 6:25
  13.
• 6:25
  It
• 6:25
  says
• 6:26
  each
• 6:26
  of
• 6:26
  them
• 6:26
  may
• 6:26
  eat
• 6:27
  and
• 6:27
  drink
• 6:27
  and
• 6:27
  find
• 6:28
  satisfaction
• 6:29
  in
• 6:29
  all
• 6:29
  their
• 6:29
  toll.
• 6:30
  This
• 6:30
  is
• 6:31
  the
• 6:31
  gift
• 6:31
  of
• 6:31
  God.
• 6:32
  See,
• 6:32
  even
• 6:32
  God
• 6:33
  himself
• 6:33
  is
• 6:34
  saying
• 6:34
  experience
• 6:35
  matters.
• 6:36
  Why
• 6:36
  about
• 6:36
  we
• 6:36
  pray
• 6:37
  together
• 6:37
  right
• 6:37
  now?
• 6:37
  Lord,
• 6:38
  we
• 6:38
  come
• 6:38
  to
• 6:38
  you
• 6:39
  today
• 6:39
  and
• 6:39
  we're
• 6:39
  really
• 6:39
  leaning
• 6:40
  into
• 6:40
  this
• 6:40
  idea
• 6:41
  of
• 6:41
  building
• 6:42
  experiences
• 6:42
  and
• 6:43
  celebrating
• 6:43
  the
• 6:43
  birth
• 6:44
  of
• 6:44
  Christ.
• 6:44
  So,
• 6:45
  Lord,
• 6:45
  we
• 6:45
  just
• 6:45
  have
• 6:45
  gratitude
• 6:46
  that
• 6:46
  you
• 6:47
  give
• 6:47
  us
• 6:47
  time
• 6:47
  with
• 6:47
  loved
• 6:48
  ones
• 6:48
  and
• 6:48
  that's
• 6:49
  time
• 6:49
  we
• 6:49
  can
• 6:49
  never
• 6:49
  get
• 6:50
  back,
• 6:50
  Lord.
• 6:50
  Those
• 6:50
  are
• 6:50
  the
• 6:50
  things
• 6:51
  that
• 6:51
  are
• 6:51
  going
• 6:51
  to
• 6:51
  matter
• 6:52
  in
• 6:52
  our
• 6:52
  lives,
• 6:53
  Lord.
• 6:53
  So
• 6:53
  give
• 6:54
  us
• 6:54
  right
• 6:54
  now
• 6:54
  wisdom
• 6:55
  to
• 6:55
  prioritize
• 6:56
  those
• 6:56
  things
• 6:56
  that
• 6:57
  truly
• 6:57
  matters.
• 6:57
  Because
• 6:58
  it's
• 6:58
  so
• 6:58
  easy
• 6:59
  to
• 6:59
  get
• 6:59
  lost
• 6:59
  in
• 7:00
  that
• 7:00
  buying
• 7:00
  game
• 7:01
  and
• 7:01
  we
• 7:01
  end
• 7:01
  up
• 7:02
  buying,
• 7:02
  losing
• 7:02
  all
• 7:02
  the
• 7:03
  joy
• 7:03
  with
• 7:03
  those
• 7:04
  credit
• 7:04
  card
• 7:04
  bills.
• 7:04
  And
• 7:05
  we
• 7:05
  just
• 7:05
  ask
• 7:05
  right
• 7:05
  now
• 7:06
  that
• 7:06
  you
• 7:06
  would
• 7:06
  give
• 7:06
  us
• 7:06
  a
• 7:06
  heart
• 7:07
  that
• 7:07
  values
• 7:07
  moments
• 7:08
  over
• 7:08
  money.
• 7:09
  We
• 7:09
  ask
• 7:09
  this
• 7:09
  in
• 7:09
  confidence
• 7:10
  in
• 7:10
  the
• 7:11
  name
• 7:11
  of
• 7:11
  Jesus,
• 7:12
  Amen.
• 7:12
  All
• 7:13
  right,
• 7:13
  so
• 7:13
  you
• 7:13
  ready
• 7:13
  for
• 7:13
  your
• 7:13
  one
• 7:14
  action
• 7:14
  item
• 7:14
  for
• 7:14
  today?
• 7:15
  This
• 7:15
  one
• 7:15
  is
• 7:15
  going
• 7:16
  to
• 7:16
  be
• 7:16
  fantastic.
• 7:17
  Just
• 7:17
  plan
• 7:18
  one
• 7:18
  family
• 7:19
  memory
• 7:19
  making
• 7:20
  event
• 7:20
  doesn't
• 7:21
  have
• 7:21
  to
• 7:21
  cost
• 7:21
  a
• 7:21
  lot
• 7:21
  of
• 7:21
  money.
• 7:22
  It
• 7:22
  could
• 7:22
  be
• 7:22
  the
• 7:22
  game
• 7:23
  night
• 7:23
  or
• 7:23
  maybe
• 7:23
  you
• 7:24
  bake
• 7:24
  a
• 7:24
  cake
• 7:24
  together
• 7:24
  or
• 7:25
  maybe
• 7:25
  even
• 7:25
  go
• 7:26
  out
• 7:26
  and
• 7:26
  do
• 7:26
  some
• 7:26
  Christmas
• 7:27
  caroling.
• 7:28
  Go
• 7:28
  look
• 7:28
  at
• 7:28
  the
• 7:28
  Christmas
• 7:29
  lights.
• 7:30
  Just
• 7:30
  one
• 7:30
  memory
• 7:31
  making
• 7:31
  event.
• 7:32
  Because
• 7:32
  I'm
• 7:32
  going
• 7:32
  to
• 7:32
  tell
• 7:32
  you
• 7:33
  right
• 7:33
  now,
• 7:33
  those
• 7:34
  are
• 7:34
  the
• 7:34
  moments
• 7:34
  that
• 7:34
  you're
• 7:35
  going
• 7:35
  to
• 7:35
  cherish
• 7:35
  for
• 7:35
  the
• 7:36
  rest
• 7:36
  of
• 7:36
  your
• 7:36
  life.
• 7:37
  So
• 7:37
  let
• 7:37
  me
• 7:37
  ask
• 7:37
  you
• 7:38
  right
• 7:38
  now,
• 7:38
  what's
• 7:38
  your
• 7:38
  one
• 7:39
  idea
• 7:39
  for
• 7:39
  memory
• 7:40
  making
• 7:40
  events?
• 7:41
  Hey,
• 7:41
  send
• 7:41
  me
• 7:41
  an
• 7:41
  email.
• 7:42
  Go
• 7:42
  right
• 7:42
  to
• 7:42
  our
• 7:42
  website,
• 7:43
  financiallyconfidentchristian.com
• 7:44
  and
• 7:45
  send
• 7:45
  me
• 7:45
  an
• 7:45
  email.
• 7:45
  Here's
• 7:46
  what
• 7:46
  we're
• 7:46
  going
• 7:46
  to
• 7:46
  do
• 7:46
  in
• 7:46
  our
• 7:47
  family
• 7:47
  because
• 7:47
  here's
• 7:48
  the
• 7:48
  truth.
• 7:48
  Moments
• 7:49
  outlast
• 7:50
  things.
• 7:51
  Laughter
• 7:52
  echoes
• 7:52
  on
• 7:52
  for
• 7:52
  generations.
• 7:54
  And
• 7:54
  love
• 7:54
  doesn't
• 7:55
  cost
• 7:55
  you
• 7:55
  a
• 7:55
  dime.
• 7:56
  Remember,
• 7:56
  the
• 7:56
  best
• 7:56
  parts
• 7:56
  of
• 7:57
  the
• 7:57
  holidays
• 7:57
  can't
• 7:58
  be
• 7:58
  bought.
• 7:59
  They're
• 7:59
  shared.
• 7:59
  They're
• 8:00
  shared
• 8:00
  with
• 8:00
  loved
• 8:00
  ones.
• 8:01
  And
• 8:01
  as
• 8:01
  I
• 8:02
  said
• 8:02
  the
• 8:02
  last
• 8:02
  two
• 8:02
  days,
• 8:03
  it's
• 8:03
  all
• 8:03
  about
• 8:03
  presence.
• 8:04
  Your
• 8:04
  presence.
• 8:05
  That's
• 8:05
  what
• 8:05
  matters,
• 8:06
  not
• 8:06
  those
• 8:06
  presents
• 8:07
  under
• 8:07
  the
• 8:07
  tree.
• 8:08
  I
• 8:08
  want
• 8:08
  to
• 8:08
  encourage
• 8:08
  you
• 8:09
  today,
• 8:09
  go
• 8:09
  out
• 8:09
  there
• 8:09
  and
• 8:09
  be
• 8:10
  a
• 8:10
  financially
• 8:10
  confident
• 8:11
  Christian.
• 8:11
  I
• 8:11
  have
• 8:11
  confidence
• 8:12
  in
• 8:12
  you.
• 8:12
  Have
• 8:12
  confidence
• 8:13
  in
• 8:13
  yourself.
• 8:14
  Stay
• 8:14
  financially
• 8:15
  savvy.
• 8:15
  God
• 8:15
  bless
• 8:16
  you
• 8:16
  and
• 8:16
  you
• 8:16
  have
• 8:17
  a
• 8:17
  great
• 8:17
  day.