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Why Does Money Make Me Feel Like a Failure? · Becoming Financially Confident

• 0:37
  I
• 0:37
  got
• 0:37
  a
• 0:38
  great
• 0:38
  question
• 0:38
  emailed
• 0:39
  the
• 0:39
  other
• 0:39
  day,
• 0:39
  and
• 0:39
  I
• 0:39
  said,
• 0:39
  you
• 0:39
  know
• 0:39
  what?
• 0:40
  This
• 0:40
  is
• 0:40
  a
• 0:40
  great
• 0:40
  thing
• 0:40
  to
• 0:41
  talk
• 0:41
  about
• 0:41
  today.
• 0:41
  Why
• 0:42
  do
• 0:42
  I
• 0:42
  feel
• 0:42
  like
• 0:42
  I'm
• 0:42
  always
• 0:43
  failing
• 0:43
  with
• 0:43
  money
• 0:44
  no
• 0:45
  matter
• 0:45
  how
• 0:45
  hard
• 0:45
  I
• 0:45
  try?
• 0:47
  What
• 0:47
  a
• 0:47
  great
• 0:47
  question.
• 0:48
  Got
• 0:48
  this
• 0:48
  from
• 0:49
  a
• 0:49
  listener
• 0:49
  the
• 0:49
  other
• 0:49
  day,
• 0:49
  and
• 0:50
  that's
• 0:50
  exactly
• 0:50
  what
• 0:50
  I'm
• 0:50
  going
• 0:50
  to
• 0:51
  answer
• 0:51
  on
• 0:51
  today's
• 0:51
  bonus
• 0:52
  episode
• 0:52
  of
• 0:53
  Financially
• 0:53
  Confident
• 0:54
  Christian.
• 0:55
  Hello
• 0:55
  there.
• 0:56
  Welcome
• 0:56
  to
• 0:56
  your
• 0:56
  daily
• 0:57
  Financially
• 0:57
  Confident
• 0:58
  Christian.
• 0:58
  This
• 0:58
  is
• 0:59
  a
• 0:59
  special
• 0:59
  bonus
• 0:59
  episode.
• 1:00
  I'm
• 1:01
  beginning
• 1:01
  a
• 1:01
  lot
• 1:01
  of
• 1:01
  questions
• 1:02
  to
• 1:02
  the
• 1:02
  show,
• 1:02
  and
• 1:02
  I'll
• 1:02
  talk
• 1:03
  to
• 1:03
  you,
• 1:03
  but
• 1:03
  later,
• 1:03
  how
• 1:04
  you
• 1:04
  can
• 1:04
  actually
• 1:04
  send
• 1:05
  me
• 1:05
  your
• 1:05
  question
• 1:05
  and
• 1:05
  have
• 1:06
  it
• 1:06
  answered
• 1:06
  right
• 1:06
  here
• 1:06
  on
• 1:06
  the
• 1:06
  show.
• 1:07
  But
• 1:07
  I
• 1:07
  got
• 1:07
  this
• 1:07
  one
• 1:07
  the
• 1:07
  other
• 1:08
  day,
• 1:08
  and.
• 1:08
  And
• 1:08
  it
• 1:08
  was
• 1:09
  heartbreaking.
• 1:10
  Listen,
• 1:10
  I've
• 1:10
  been
• 1:11
  here,
• 1:11
  too.
• 1:11
  So
• 1:12
  many
• 1:12
  of
• 1:12
  us
• 1:12
  have
• 1:12
  faced
• 1:13
  this
• 1:13
  very
• 1:14
  situation.
• 1:15
  Why
• 1:15
  do
• 1:15
  I
• 1:16
  feel
• 1:16
  like
• 1:16
  I'm
• 1:16
  always
• 1:16
  failing
• 1:17
  with
• 1:17
  money,
• 1:17
  Ralph,
• 1:18
  no
• 1:19
  matter
• 1:19
  how
• 1:19
  hard
• 1:19
  I
• 1:19
  try?
• 1:21
  And
• 1:21
  so
• 1:21
  many
• 1:21
  people.
• 1:22
  And
• 1:22
  you
• 1:22
  might
• 1:22
  be
• 1:22
  listening
• 1:23
  right
• 1:23
  now,
• 1:23
  maybe
• 1:23
  you're
• 1:23
  watching
• 1:24
  this
• 1:24
  on
• 1:24
  YouTube
• 1:24
  or
• 1:25
  on
• 1:25
  Rumble.
• 1:26
  So
• 1:26
  many
• 1:26
  people
• 1:27
  set
• 1:27
  a
• 1:27
  budget,
• 1:28
  they
• 1:28
  just
• 1:29
  don't
• 1:29
  stick
• 1:29
  to
• 1:29
  it.
• 1:30
  They
• 1:30
  struggle
• 1:31
  it.
• 1:31
  They
• 1:31
  take
• 1:31
  the
• 1:31
  time
• 1:32
  to
• 1:32
  track
• 1:32
  their
• 1:32
  money,
• 1:32
  do
• 1:33
  all
• 1:33
  the
• 1:33
  things
• 1:33
  that
• 1:33
  they
• 1:33
  should
• 1:33
  be
• 1:34
  doing,
• 1:34
  but
• 1:34
  they
• 1:34
  always
• 1:34
  feel
• 1:35
  like
• 1:35
  they're
• 1:35
  failing.
• 1:37
  It
• 1:37
  seems
• 1:37
  like
• 1:37
  there's
• 1:37
  always
• 1:38
  another
• 1:38
  emergency
• 1:38
  right
• 1:39
  around
• 1:39
  the
• 1:39
  bend.
• 1:39
  Another
• 1:39
  emergency
• 1:40
  comes
• 1:40
  and
• 1:40
  drains
• 1:41
  that
• 1:41
  savings
• 1:41
  account
• 1:41
  I've
• 1:42
  been
• 1:42
  working
• 1:42
  so
• 1:42
  hard
• 1:42
  to
• 1:43
  build.
• 1:44
  And
• 1:44
  when
• 1:44
  that
• 1:44
  happens,
• 1:45
  time
• 1:45
  after
• 1:45
  time
• 1:46
  after
• 1:46
  time,
• 1:47
  and
• 1:47
  I
• 1:47
  deal
• 1:47
  with
• 1:48
  this
• 1:48
  every
• 1:48
  day
• 1:48
  in
• 1:48
  my
• 1:49
  counseling
• 1:49
  practice,
• 1:50
  you
• 1:50
  start
• 1:51
  to
• 1:51
  feel
• 1:51
  shame.
• 1:52
  You
• 1:52
  start
• 1:52
  to
• 1:53
  feel
• 1:53
  fear.
• 1:54
  And
• 1:54
  sometimes
• 1:55
  that
• 1:55
  shame
• 1:55
  and
• 1:55
  fear
• 1:55
  gets
• 1:56
  heavier
• 1:56
  than
• 1:56
  the
• 1:56
  dollars
• 1:57
  themselves.
• 1:57
  It's
• 1:57
  one
• 1:57
  of
• 1:58
  the
• 1:58
  reasons
• 1:58
  I
• 1:58
  decided
• 1:58
  to
• 1:59
  do
• 1:59
  this
• 1:59
  show.
• 2:00
  It's
• 2:00
  all
• 2:00
  about
• 2:00
  breaking
• 2:01
  that
• 2:01
  cycle
• 2:01
  of
• 2:02
  financial
• 2:02
  shame
• 2:03
  and.
• 2:03
  And
• 2:03
  building
• 2:03
  confidence.
• 2:04
  And
• 2:05
  here's
• 2:05
  the
• 2:05
  statistic
• 2:06
  that
• 2:06
  really
• 2:06
  rattled
• 2:07
  me.
• 2:08
  80%,
• 2:09
  truly,
• 2:09
  80%
• 2:10
  of
• 2:10
  people
• 2:11
  abandon
• 2:11
  their
• 2:12
  financial
• 2:12
  goals
• 2:12
  within
• 2:13
  the
• 2:13
  first
• 2:13
  year.
• 2:15
  Only
• 2:15
  22%
• 2:16
  of
• 2:16
  Americans
• 2:17
  actually
• 2:17
  stick
• 2:17
  to
• 2:18
  a
• 2:18
  budget,
• 2:19
  even
• 2:19
  though
• 2:19
  most
• 2:20
  would
• 2:20
  say
• 2:21
  that's
• 2:21
  an
• 2:21
  important
• 2:21
  thing
• 2:22
  to
• 2:22
  do.
• 2:23
  So
• 2:23
  we
• 2:23
  got
• 2:23
  to
• 2:24
  ask
• 2:24
  the
• 2:24
  question,
• 2:24
  why
• 2:25
  is
• 2:25
  that?
• 2:25
  Why
• 2:25
  do
• 2:26
  I
• 2:26
  feel
• 2:26
  like
• 2:26
  I'm
• 2:26
  always
• 2:26
  failing?
• 2:28
  And
• 2:28
  the
• 2:28
  thing
• 2:29
  I
• 2:29
  think
• 2:29
  that
• 2:29
  a
• 2:29
  lot
• 2:29
  of
• 2:29
  people
• 2:30
  don't
• 2:30
  understand
• 2:30
  is
• 2:31
  this
• 2:31
  struggle.
• 2:33
  When
• 2:33
  you
• 2:33
  have
• 2:34
  financial
• 2:34
  setbacks.
• 2:35
  And
• 2:35
  listen,
• 2:36
  one
• 2:36
  truism
• 2:37
  of
• 2:37
  life,
• 2:37
  you're
• 2:37
  going
• 2:37
  to
• 2:38
  have
• 2:38
  financial
• 2:38
  setbacks,
• 2:39
  it's
• 2:39
  going
• 2:39
  to
• 2:39
  happen.
• 2:40
  But
• 2:41
  when
• 2:41
  you
• 2:41
  struggle,
• 2:41
  that
• 2:42
  doesn't
• 2:42
  mean
• 2:42
  you
• 2:42
  failed.
• 2:44
  I
• 2:44
  think
• 2:44
  about
• 2:44
  a
• 2:44
  baseball
• 2:45
  batter.
• 2:46
  Baseball
• 2:46
  batter
• 2:47
  goes
• 2:47
  up
• 2:47
  to
• 2:47
  the
• 2:47
  plate,
• 2:48
  and
• 2:48
  if
• 2:49
  they're
• 2:49
  a
• 2:49
  really
• 2:49
  good
• 2:50
  hitter,
• 2:50
  they
• 2:51
  might
• 2:51
  hit
• 2:51
  a
• 2:51
  third
• 2:52
  of
• 2:52
  the
• 2:52
  time.
• 2:53
  Well,
• 2:53
  I
• 2:53
  think
• 2:53
  we
• 2:54
  need
• 2:54
  to
• 2:54
  internalize
• 2:55
  that
• 2:55
  a
• 2:55
  Little
• 2:55
  bit
• 2:55
  for
• 2:56
  ourselves.
• 2:57
  These
• 2:57
  struggles
• 2:58
  that
• 2:58
  we
• 2:58
  have
• 2:58
  with
• 2:59
  money,
• 3:00
  they're
• 3:00
  really
• 3:00
  all
• 3:00
  part
• 3:00
  of
• 3:01
  the
• 3:01
  process.
• 3:01
  The
• 3:01
  thing
• 3:02
  is,
• 3:02
  you're
• 3:02
  not
• 3:02
  given
• 3:02
  this
• 3:03
  tool
• 3:03
  belt
• 3:03
  and
• 3:04
  said,
• 3:04
  oh,
• 3:04
  here's
• 3:04
  your
• 3:04
  money
• 3:05
  and
• 3:05
  your
• 3:05
  financial
• 3:05
  tool
• 3:06
  belt,
• 3:06
  and
• 3:06
  go
• 3:06
  do
• 3:07
  it.
• 3:08
  There
• 3:08
  isn't
• 3:08
  such
• 3:08
  a
• 3:08
  thing.
• 3:08
  Now,
• 3:09
  you
• 3:09
  can
• 3:09
  build
• 3:09
  that
• 3:10
  by
• 3:10
  listening
• 3:10
  to
• 3:11
  shows
• 3:11
  like
• 3:11
  this,
• 3:11
  by
• 3:11
  reading,
• 3:12
  and
• 3:12
  by
• 3:12
  paying
• 3:13
  attention
• 3:13
  to
• 3:13
  what's
• 3:13
  going
• 3:14
  on
• 3:14
  around
• 3:14
  you
• 3:14
  as
• 3:14
  it
• 3:15
  relates
• 3:15
  to
• 3:15
  your
• 3:15
  finances.
• 3:17
  But
• 3:17
  that
• 3:17
  struggle
• 3:18
  that
• 3:18
  you're
• 3:18
  feeling,
• 3:18
  maybe
• 3:19
  you're
• 3:19
  feeling
• 3:19
  that
• 3:19
  right
• 3:19
  now.
• 3:20
  You're
• 3:20
  like,
• 3:20
  ralph,
• 3:20
  I'm
• 3:20
  in
• 3:21
  the
• 3:21
  midst
• 3:21
  of
• 3:21
  the
• 3:21
  struggle
• 3:22
  right
• 3:22
  now.
• 3:23
  That's
• 3:23
  all
• 3:24
  part
• 3:24
  of
• 3:24
  the
• 3:24
  process.
• 3:25
  But
• 3:26
  even
• 3:26
  deeper
• 3:26
  than
• 3:26
  that,
• 3:26
  I
• 3:27
  think,
• 3:27
  really
• 3:27
  the
• 3:27
  question
• 3:28
  that
• 3:28
  we
• 3:28
  need
• 3:28
  to
• 3:28
  answer
• 3:29
  is
• 3:29
  this.
• 3:30
  Where
• 3:30
  do
• 3:31
  you
• 3:31
  see
• 3:31
  your
• 3:31
  identity?
• 3:32
  Because
• 3:32
  if
• 3:32
  you
• 3:32
  see
• 3:32
  yourself
• 3:33
  as
• 3:33
  a
• 3:33
  failure,
• 3:34
  if
• 3:34
  you
• 3:34
  see
• 3:35
  yourself
• 3:35
  as
• 3:35
  Ralph,
• 3:35
  I'm
• 3:36
  always
• 3:36
  that
• 3:36
  person
• 3:36
  that
• 3:37
  just
• 3:37
  constantly
• 3:37
  makes
• 3:37
  mistakes.
• 3:38
  I
• 3:38
  can't
• 3:38
  ever
• 3:39
  seem
• 3:39
  to
• 3:39
  get
• 3:39
  ahead
• 3:41
  when
• 3:41
  that
• 3:41
  becomes
• 3:42
  your
• 3:42
  identity,
• 3:43
  when
• 3:44
  your
• 3:44
  bank
• 3:44
  account
• 3:44
  becomes
• 3:45
  your
• 3:45
  identity,
• 3:45
  when
• 3:46
  what
• 3:46
  you
• 3:46
  have
• 3:46
  becomes
• 3:47
  your
• 3:47
  identity.
• 3:48
  But
• 3:48
  so
• 3:48
  many
• 3:48
  people
• 3:49
  look
• 3:49
  at
• 3:49
  that
• 3:49
  and
• 3:49
  say,
• 3:49
  well,
• 3:49
  how
• 3:50
  come
• 3:50
  I
• 3:50
  don't
• 3:50
  have
• 3:50
  those
• 3:50
  things?
• 3:52
  How
• 3:52
  come
• 3:52
  I
• 3:52
  don't
• 3:52
  have
• 3:52
  that
• 3:52
  fancy
• 3:53
  new
• 3:53
  car?
• 3:53
  How
• 3:53
  come
• 3:54
  I
• 3:54
  don't
• 3:54
  have
• 3:54
  that
• 3:54
  vacation
• 3:55
  home?
• 3:56
  How
• 3:56
  come
• 3:56
  I'm
• 3:56
  not
• 3:57
  taking
• 3:57
  my
• 3:57
  family
• 3:58
  on
• 3:58
  those
• 3:58
  elaborate
• 3:59
  vacations?
• 4:01
  So
• 4:01
  many
• 4:02
  people
• 4:02
  are
• 4:02
  buying
• 4:02
  into
• 4:03
  a
• 4:03
  lie.
• 4:03
  And
• 4:03
  that
• 4:04
  lie
• 4:04
  is
• 4:04
  that
• 4:05
  their
• 4:05
  identity
• 4:06
  comes
• 4:06
  from
• 4:06
  their
• 4:06
  bank
• 4:07
  account.
• 4:08
  And
• 4:08
  that's
• 4:09
  what
• 4:09
  culture
• 4:09
  sells
• 4:09
  us.
• 4:10
  Culture
• 4:10
  is
• 4:10
  constantly
• 4:11
  telling
• 4:11
  you
• 4:12
  that
• 4:12
  your
• 4:12
  identity,
• 4:13
  your
• 4:13
  value,
• 4:14
  is
• 4:14
  based
• 4:14
  on
• 4:14
  what
• 4:15
  you
• 4:15
  have,
• 4:15
  what
• 4:16
  you
• 4:16
  own,
• 4:16
  how
• 4:16
  much
• 4:17
  is
• 4:17
  in
• 4:17
  your
• 4:17
  bank
• 4:17
  account,
• 4:18
  how
• 4:18
  much
• 4:18
  is
• 4:18
  in
• 4:18
  your
• 4:18
  retirement
• 4:19
  account.
• 4:20
  But
• 4:20
  I'm
• 4:20
  gonna
• 4:21
  tell
• 4:21
  you
• 4:21
  something
• 4:21
  right
• 4:21
  now.
• 4:21
  If
• 4:21
  you
• 4:21
  want
• 4:22
  to
• 4:22
  change
• 4:22
  the
• 4:22
  dynamic,
• 4:23
  the
• 4:23
  first
• 4:23
  thing
• 4:23
  you've
• 4:23
  got
• 4:24
  to
• 4:24
  realize
• 4:25
  is
• 4:25
  that
• 4:25
  your
• 4:26
  identity
• 4:26
  comes
• 4:27
  from
• 4:27
  Christ.
• 4:28
  Because
• 4:28
  that's
• 4:29
  really
• 4:29
  the
• 4:29
  antidote
• 4:29
  to
• 4:30
  all
• 4:30
  of
• 4:30
  this.
• 4:31
  You're
• 4:31
  not
• 4:31
  failing.
• 4:32
  Christ
• 4:32
  is
• 4:32
  right
• 4:32
  there
• 4:33
  with
• 4:33
  you
• 4:33
  the
• 4:33
  whole
• 4:33
  time.
• 4:33
  A
• 4:33
  lot
• 4:33
  of
• 4:34
  people
• 4:34
  say,
• 4:34
  ralph,
• 4:34
  you
• 4:34
  shouldn't
• 4:35
  talk
• 4:35
  about
• 4:35
  money
• 4:36
  and
• 4:36
  faith
• 4:36
  at
• 4:37
  the
• 4:37
  same
• 4:37
  time.
• 4:37
  But
• 4:37
  listen,
• 4:38
  the
• 4:38
  two
• 4:38
  things
• 4:38
  are
• 4:38
  interconnected.
• 4:39
  People
• 4:40
  feel
• 4:40
  like
• 4:40
  they're
• 4:40
  failures
• 4:41
  because
• 4:41
  they're
• 4:42
  failing
• 4:42
  at
• 4:42
  money,
• 4:43
  because
• 4:43
  they
• 4:44
  identify
• 4:45
  themselves
• 4:45
  with
• 4:46
  what
• 4:46
  they
• 4:46
  have.
• 4:48
  But
• 4:48
  see,
• 4:48
  here's
• 4:48
  the
• 4:48
  problem.
• 4:49
  We
• 4:49
  shouldn't
• 4:49
  be
• 4:49
  doing
• 4:49
  that.
• 4:50
  I
• 4:50
  want
• 4:50
  to
• 4:50
  read
• 4:50
  a
• 4:50
  book
• 4:51
  of
• 4:51
  the
• 4:51
  Philippians,
• 4:52
  chapter
• 4:52
  4,
• 4:53
  verses
• 4:53
  19.
• 4:54
  And
• 4:54
  this
• 4:54
  is
• 4:54
  what
• 4:55
  it
• 4:55
  says,
• 4:55
  Philippians
• 4:55
  4,
• 4:56
  19.
• 4:57
  And
• 4:57
  my
• 4:57
  God
• 4:58
  will
• 4:58
  meet
• 4:58
  all
• 4:58
  of
• 4:58
  your
• 4:58
  needs
• 4:59
  according
• 4:59
  to
• 4:59
  the
• 4:59
  riches
• 5:00
  of
• 5:00
  his
• 5:00
  glory
• 5:01
  in
• 5:01
  Christ
• 5:01
  Jesus.
• 5:02
  You
• 5:03
  might
• 5:03
  be
• 5:03
  saying,
• 5:03
  ralph,
• 5:03
  okay,
• 5:04
  that
• 5:04
  sounds
• 5:04
  great,
• 5:04
  but,
• 5:05
  man,
• 5:05
  that's
• 5:05
  great.
• 5:05
  He's
• 5:06
  got
• 5:06
  glory.
• 5:06
  But
• 5:06
  listen,
• 5:07
  dude,
• 5:07
  I've
• 5:07
  got
• 5:08
  bills
• 5:08
  to
• 5:08
  pay.
• 5:09
  I've
• 5:09
  got
• 5:09
  food
• 5:09
  to
• 5:09
  put
• 5:10
  on
• 5:10
  the
• 5:10
  table
• 5:10
  so
• 5:10
  my
• 5:10
  kids
• 5:11
  can
• 5:11
  eat.
• 5:11
  I've
• 5:12
  got
• 5:12
  a
• 5:12
  mortgage
• 5:12
  payments
• 5:12
  coming
• 5:13
  up,
• 5:13
  Ralph.
• 5:13
  I've
• 5:14
  got
• 5:14
  a
• 5:14
  car
• 5:14
  payment.
• 5:14
  I've
• 5:15
  got
• 5:15
  an
• 5:15
  insurance
• 5:15
  payment.
• 5:16
  The
• 5:16
  tax
• 5:16
  bill's
• 5:16
  coming
• 5:17
  up.
• 5:18
  What
• 5:18
  is
• 5:18
  this
• 5:18
  really
• 5:19
  saying?
• 5:19
  It
• 5:19
  says
• 5:19
  that
• 5:19
  God
• 5:20
  provides.
• 5:21
  Now,
• 5:21
  a
• 5:21
  lot
• 5:21
  of
• 5:21
  people
• 5:22
  take
• 5:22
  that
• 5:22
  the
• 5:22
  wrong
• 5:22
  way
• 5:22
  and
• 5:23
  they
• 5:23
  say,
• 5:23
  oh,
• 5:23
  okay,
• 5:23
  Ralph.
• 5:24
  So
• 5:24
  what
• 5:24
  you're
• 5:24
  basically
• 5:24
  saying
• 5:25
  is,
• 5:25
  I
• 5:25
  don't
• 5:25
  have
• 5:25
  to
• 5:25
  do
• 5:26
  anything.
• 5:26
  God
• 5:26
  just
• 5:26
  going
• 5:26
  to
• 5:26
  provide
• 5:27
  it.
• 5:27
  No,
• 5:27
  that's
• 5:27
  not
• 5:28
  what
• 5:28
  I'm
• 5:28
  saying
• 5:28
  at
• 5:28
  all.
• 5:28
  A
• 5:28
  lot
• 5:28
  of
• 5:28
  people
• 5:29
  think,
• 5:29
  us
• 5:29
  Christians,
• 5:30
  they
• 5:30
  call
• 5:30
  us,
• 5:30
  you
• 5:30
  know,
• 5:30
  our
• 5:31
  holy
• 5:31
  roller,
• 5:31
  Bible
• 5:31
  thumpers.
• 5:32
  They
• 5:33
  think.
• 5:33
  We
• 5:33
  think,
• 5:33
  oh,
• 5:33
  well,
• 5:33
  God's
• 5:34
  going
• 5:34
  to
• 5:34
  provide
• 5:34
  it
• 5:34
  all.
• 5:35
  Yes,
• 5:35
  he
• 5:36
  will.
• 5:36
  That
• 5:36
  is
• 5:36
  the
• 5:36
  truth
• 5:37
  in
• 5:37
  the
• 5:37
  end.
• 5:38
  But
• 5:39
  you've
• 5:39
  got
• 5:39
  work
• 5:39
  to
• 5:39
  do.
• 5:40
  See,
• 5:41
  it's
• 5:41
  not
• 5:41
  yours
• 5:41
  in
• 5:41
  the
• 5:42
  first
• 5:42
  place.
• 5:42
  A
• 5:43
  lot
• 5:43
  of
• 5:43
  people
• 5:43
  get
• 5:43
  hung
• 5:43
  up
• 5:43
  on
• 5:43
  that.
• 5:44
  It's
• 5:44
  not
• 5:44
  yours
• 5:44
  in
• 5:44
  the
• 5:44
  first
• 5:44
  place.
• 5:46
  But
• 5:46
  why
• 5:46
  do
• 5:46
  you
• 5:46
  feel
• 5:46
  like
• 5:46
  you're
• 5:47
  failing?
• 5:48
  Because,
• 5:48
  first
• 5:48
  of
• 5:48
  all,
• 5:48
  it's
• 5:49
  not
• 5:49
  yours.
• 5:49
  You
• 5:49
  don't
• 5:49
  own
• 5:49
  those
• 5:50
  things.
• 5:50
  You're
• 5:51
  just
• 5:51
  stewarding
• 5:51
  those
• 5:52
  things.
• 5:52
  And
• 5:53
  for
• 5:53
  so
• 5:53
  many
• 5:54
  people,
• 5:55
  it's
• 5:55
  really
• 5:55
  a
• 5:55
  question
• 5:56
  of
• 5:56
  needs
• 5:56
  versus
• 5:57
  wants.
• 5:58
  So
• 5:59
  you've
• 5:59
  got
• 5:59
  to
• 5:59
  take
• 6:00
  and
• 6:00
  put
• 6:00
  your
• 6:00
  trust
• 6:01
  in
• 6:01
  Christ,
• 6:02
  but
• 6:03
  you
• 6:03
  also
• 6:03
  have
• 6:03
  to
• 6:03
  take
• 6:03
  some
• 6:04
  faithful
• 6:04
  steps.
• 6:04
  So
• 6:04
  let's
• 6:05
  talk
• 6:05
  right
• 6:05
  now
• 6:05
  about
• 6:06
  some
• 6:06
  faithful
• 6:06
  steps.
• 6:07
  Just
• 6:07
  one
• 6:07
  faithful
• 6:07
  step
• 6:08
  that
• 6:08
  you
• 6:08
  can
• 6:08
  take
• 6:08
  right
• 6:08
  now,
• 6:09
  today,
• 6:09
  to
• 6:10
  stop
• 6:10
  that
• 6:10
  cycle
• 6:11
  of
• 6:11
  financial
• 6:11
  shame
• 6:12
  and
• 6:12
  finally
• 6:13
  feel
• 6:13
  like
• 6:13
  you're
• 6:13
  not
• 6:13
  failing
• 6:14
  all
• 6:14
  the
• 6:14
  time.
• 6:15
  I
• 6:15
  just
• 6:15
  want
• 6:15
  you
• 6:15
  to
• 6:15
  focus
• 6:16
  on
• 6:16
  one
• 6:16
  single
• 6:17
  step
• 6:17
  today.
• 6:18
  I
• 6:18
  want
• 6:18
  your
• 6:19
  goal
• 6:19
  today
• 6:19
  to
• 6:19
  be
• 6:19
  save
• 6:20
  10
• 6:20
  bucks.
• 6:21
  10
• 6:21
  bucks.
• 6:22
  I
• 6:22
  just
• 6:22
  want
• 6:22
  you
• 6:22
  to
• 6:22
  save
• 6:22
  $10.
• 6:24
  Maybe
• 6:24
  you
• 6:24
  cancel
• 6:25
  a
• 6:25
  subscription,
• 6:26
  maybe
• 6:27
  you
• 6:27
  have
• 6:27
  a
• 6:27
  conversation
• 6:28
  with
• 6:28
  somebody
• 6:29
  in
• 6:29
  your
• 6:29
  family
• 6:29
  about
• 6:30
  money,
• 6:31
  but
• 6:31
  just
• 6:31
  do
• 6:32
  one
• 6:32
  thing
• 6:32
  today.
• 6:32
  Just
• 6:33
  make
• 6:33
  a
• 6:33
  goal
• 6:34
  that
• 6:34
  I'm
• 6:34
  going
• 6:34
  to
• 6:35
  save
• 6:35
  $10.
• 6:36
  Brainstorm
• 6:37
  a
• 6:37
  little
• 6:37
  bit.
• 6:38
  Do
• 6:38
  you
• 6:38
  not
• 6:38
  go
• 6:38
  to
• 6:39
  Starbucks?
• 6:39
  No.
• 6:40
  It
• 6:40
  could
• 6:40
  be
• 6:40
  a
• 6:40
  subscription
• 6:41
  you
• 6:41
  belong
• 6:41
  to.
• 6:42
  It
• 6:42
  could
• 6:42
  be
• 6:42
  the
• 6:42
  decision
• 6:43
  whether
• 6:43
  you
• 6:43
  eat
• 6:43
  out
• 6:44
  or
• 6:44
  get
• 6:44
  takeout
• 6:45
  or
• 6:45
  you
• 6:45
  make
• 6:45
  something
• 6:45
  at
• 6:46
  home.
• 6:47
  I
• 6:47
  just
• 6:47
  want
• 6:47
  you
• 6:47
  to
• 6:47
  find
• 6:48
  $10
• 6:49
  today.
• 6:50
  And
• 6:50
  when
• 6:50
  you
• 6:51
  get
• 6:51
  to
• 6:51
  that
• 6:51
  point,
• 6:52
  celebrate
• 6:52
  that
• 6:52
  progress
• 6:53
  before
• 6:54
  you
• 6:54
  put
• 6:54
  your
• 6:54
  head
• 6:54
  on
• 6:54
  the
• 6:55
  pillow.
• 6:55
  Tonight,
• 6:56
  say,
• 6:56
  ralph
• 6:56
  challenged
• 6:57
  me
• 6:57
  to
• 6:57
  save
• 6:57
  10
• 6:57
  bucks,
• 6:58
  and
• 6:58
  guess
• 6:58
  what?
• 6:58
  I
• 6:58
  did
• 6:58
  it.
• 7:00
  That's
• 7:00
  what
• 7:00
  we
• 7:01
  call
• 7:01
  walking
• 7:02
  in
• 7:02
  trust.
• 7:03
  And
• 7:03
  as
• 7:03
  we
• 7:04
  call
• 7:04
  making
• 7:04
  little
• 7:04
  decisions
• 7:05
  every
• 7:05
  day
• 7:06
  that
• 7:06
  lead
• 7:07
  to
• 7:07
  big
• 7:08
  financial
• 7:08
  goals,
• 7:10
  you're
• 7:10
  not
• 7:10
  going
• 7:10
  to
• 7:11
  find
• 7:11
  perfection.
• 7:11
  So
• 7:12
  a
• 7:12
  lot
• 7:12
  of
• 7:12
  people
• 7:12
  think,
• 7:12
  and
• 7:13
  that's
• 7:13
  one
• 7:13
  of
• 7:13
  the
• 7:13
  biggest
• 7:13
  struggles.
• 7:14
  When
• 7:14
  I
• 7:14
  was
• 7:14
  doing
• 7:14
  this
• 7:14
  interview
• 7:14
  the
• 7:14
  other
• 7:15
  day,
• 7:15
  the
• 7:15
  thing
• 7:15
  that
• 7:16
  somebody
• 7:16
  asked
• 7:16
  me,
• 7:16
  they
• 7:16
  said,
• 7:16
  Ralph,
• 7:17
  why
• 7:17
  do
• 7:17
  you
• 7:17
  think
• 7:18
  that
• 7:18
  people
• 7:18
  beat
• 7:18
  themselves
• 7:19
  up
• 7:19
  so
• 7:19
  much?
• 7:21
  Because
• 7:21
  they're
• 7:21
  looking
• 7:21
  for
• 7:22
  perfection.
• 7:23
  You're
• 7:23
  never
• 7:23
  going
• 7:24
  to
• 7:24
  get
• 7:24
  perfection.
• 7:25
  And
• 7:25
  here's
• 7:26
  another
• 7:26
  thing
• 7:26
  I
• 7:26
  want
• 7:26
  you
• 7:26
  to
• 7:26
  hear,
• 7:27
  and
• 7:27
  I
• 7:27
  want
• 7:27
  you
• 7:27
  to
• 7:27
  hear
• 7:27
  this
• 7:27
  loud
• 7:27
  and
• 7:27
  clear.
• 7:28
  You
• 7:28
  are
• 7:28
  not
• 7:28
  your
• 7:28
  financial
• 7:29
  mistakes.
• 7:30
  So
• 7:31
  many
• 7:31
  people
• 7:31
  internalize
• 7:32
  that.
• 7:32
  Ralph,
• 7:32
  I
• 7:33
  ended
• 7:33
  up
• 7:33
  in
• 7:33
  bankruptcy.
• 7:34
  Ralph,
• 7:35
  I
• 7:35
  had
• 7:35
  a
• 7:35
  car
• 7:35
  repossessed.
• 7:37
  Ralph,
• 7:37
  I
• 7:37
  had
• 7:37
  my
• 7:37
  home
• 7:38
  foreclosed
• 7:38
  on.
• 7:39
  Ralph,
• 7:40
  I
• 7:40
  had
• 7:40
  this,
• 7:40
  I
• 7:40
  had
• 7:40
  that,
• 7:41
  all
• 7:41
  those
• 7:41
  things.
• 7:42
  And
• 7:43
  they
• 7:43
  put
• 7:43
  that
• 7:43
  as
• 7:44
  their
• 7:44
  identity.
• 7:44
  That's
• 7:45
  kind
• 7:45
  of
• 7:45
  what
• 7:45
  I
• 7:45
  was
• 7:45
  talking
• 7:45
  about
• 7:45
  a
• 7:46
  few
• 7:46
  minutes
• 7:46
  ago.
• 7:47
  You
• 7:47
  are
• 7:47
  not
• 7:47
  your
• 7:48
  financial
• 7:48
  mistakes.
• 7:50
  You
• 7:50
  are
• 7:50
  a
• 7:50
  child
• 7:51
  of
• 7:51
  God.
• 7:52
  God
• 7:52
  loves
• 7:52
  you.
• 7:53
  And
• 7:53
  here's
• 7:53
  the
• 7:53
  thing
• 7:53
  that
• 7:53
  a
• 7:54
  lot
• 7:54
  of
• 7:54
  people
• 7:54
  don't
• 7:54
  tell
• 7:54
  you.
• 7:55
  God
• 7:56
  wants
• 7:56
  you
• 7:56
  to
• 7:56
  be
• 7:56
  successful.
• 7:58
  Now,
• 7:58
  a
• 7:59
  lot
• 7:59
  of
• 7:59
  people
• 7:59
  think,
• 7:59
  oh,
• 7:59
  okay,
• 7:59
  Ralph's
• 8:00
  going
• 8:00
  to
• 8:00
  talk
• 8:00
  about
• 8:00
  prosperity
• 8:01
  preaching.
• 8:01
  That's
• 8:01
  not
• 8:02
  at
• 8:02
  all
• 8:02
  what
• 8:02
  I'm
• 8:02
  saying.
• 8:02
  A
• 8:02
  lot
• 8:02
  of
• 8:03
  people
• 8:03
  think
• 8:03
  God's
• 8:03
  going
• 8:03
  to
• 8:04
  give
• 8:04
  me
• 8:04
  comfort.
• 8:04
  God
• 8:04
  never
• 8:05
  promised
• 8:05
  you
• 8:05
  comfort.
• 8:06
  God
• 8:07
  promised
• 8:07
  you
• 8:07
  provision.
• 8:09
  Maybe
• 8:09
  that's
• 8:09
  the
• 8:09
  promise.
• 8:10
  We're
• 8:10
  looking
• 8:10
  for
• 8:10
  the
• 8:10
  wrong
• 8:11
  things.
• 8:12
  God
• 8:13
  promised
• 8:13
  you
• 8:13
  provision,
• 8:14
  not
• 8:15
  comfort.
• 8:16
  And
• 8:16
  if
• 8:16
  you've
• 8:16
  got
• 8:17
  a
• 8:17
  question
• 8:17
  like
• 8:17
  this
• 8:17
  person
• 8:18
  sent
• 8:18
  in
• 8:18
  today,
• 8:18
  I
• 8:18
  want
• 8:18
  to
• 8:19
  tell
• 8:19
  you
• 8:19
  right
• 8:19
  now,
• 8:19
  I
• 8:19
  would
• 8:19
  love
• 8:20
  to
• 8:20
  help
• 8:20
  you
• 8:20
  break
• 8:21
  that
• 8:21
  cycle
• 8:21
  of
• 8:21
  financial
• 8:22
  shame.
• 8:22
  You
• 8:23
  can
• 8:23
  head
• 8:23
  over
• 8:23
  to
• 8:23
  justaskralph.com
• 8:25
  you
• 8:26
  get
• 8:26
  to
• 8:26
  that
• 8:26
  website,
• 8:26
  there'll
• 8:27
  be
• 8:27
  a
• 8:27
  place
• 8:27
  there,
• 8:27
  put
• 8:27
  your
• 8:28
  name,
• 8:28
  put
• 8:28
  your
• 8:28
  question
• 8:28
  in.
• 8:29
  And
• 8:29
  I
• 8:29
  would
• 8:29
  love
• 8:29
  to
• 8:30
  feature
• 8:30
  your
• 8:30
  question
• 8:30
  on
• 8:30
  a
• 8:31
  future
• 8:31
  show
• 8:32
  because
• 8:32
  it's
• 8:32
  questions
• 8:33
  like
• 8:33
  yours
• 8:33
  that
• 8:33
  really
• 8:34
  drive
• 8:34
  the
• 8:34
  content
• 8:34
  of
• 8:35
  the
• 8:35
  show.
• 8:35
  This
• 8:35
  is
• 8:35
  what
• 8:35
  makes
• 8:36
  me
• 8:36
  excited.
• 8:36
  So
• 8:36
  I
• 8:37
  do
• 8:37
  these
• 8:37
  bonus
• 8:37
  episodes
• 8:38
  all
• 8:38
  the
• 8:38
  time
• 8:38
  because
• 8:38
  I'm
• 8:39
  starting
• 8:39
  to
• 8:39
  get
• 8:39
  questions
• 8:39
  and
• 8:40
  I'm
• 8:40
  really
• 8:40
  enjoying
• 8:41
  answering
• 8:41
  these
• 8:41
  questions.
• 8:42
  So
• 8:43
  the
• 8:43
  other
• 8:43
  thing
• 8:43
  I'm
• 8:43
  going
• 8:43
  to
• 8:43
  encourage
• 8:43
  you
• 8:44
  to
• 8:44
  do
• 8:44
  is
• 8:44
  share
• 8:44
  the
• 8:44
  show
• 8:44
  with
• 8:45
  somebody.
• 8:45
  It's
• 8:46
  a
• 8:46
  lot
• 8:46
  of
• 8:46
  people
• 8:46
  that
• 8:47
  feel
• 8:47
  that
• 8:47
  same
• 8:47
  way,
• 8:47
  that
• 8:48
  feel
• 8:48
  like
• 8:48
  they're
• 8:48
  a
• 8:48
  failure
• 8:49
  when
• 8:49
  it
• 8:49
  comes
• 8:49
  to
• 8:49
  their
• 8:50
  finances.
• 8:51
  They
• 8:51
  don't
• 8:51
  have
• 8:51
  to
• 8:52
  feel
• 8:52
  that
• 8:52
  way.
• 8:52
  We
• 8:52
  can
• 8:53
  help
• 8:53
  them
• 8:53
  break
• 8:53
  that
• 8:54
  cycle,
• 8:54
  share
• 8:54
  the
• 8:54
  show
• 8:54
  with
• 8:55
  them.
• 8:55
  Just
• 8:55
  point
• 8:55
  them
• 8:56
  right
• 8:56
  to
• 8:56
  our
• 8:56
  website.
• 8:56
  That's
• 8:57
  financially
• 8:58
  confidentchristian.com
• 9:00
  and
• 9:00
  while
• 9:00
  they're
• 9:00
  there,
• 9:01
  here's
• 9:01
  a
• 9:01
  free
• 9:01
  gift
• 9:01
  I've
• 9:02
  got
• 9:02
  for
• 9:02
  you.
• 9:02
  You
• 9:02
  get
• 9:03
  a
• 9:03
  copy
• 9:03
  of
• 9:03
  my
• 9:03
  latest
• 9:03
  book.
• 9:04
  It's
• 9:04
  my
• 9:04
  third
• 9:04
  book.
• 9:05
  It
• 9:05
  was
• 9:05
  a
• 9:05
  passion
• 9:06
  project
• 9:06
  of
• 9:06
  mine.
• 9:07
  It's
• 9:07
  called
• 9:07
  how
• 9:08
  to
• 9:08
  Become
• 9:08
  a
• 9:09
  Financially
• 9:09
  Confident
• 9:09
  Christian.
• 9:10
  It's
• 9:10
  truly
• 9:10
  a
• 9:11
  guidebook.
• 9:11
  It's
• 9:12
  a
• 9:12
  recap
• 9:12
  of
• 9:12
  my
• 9:13
  30
• 9:13
  years
• 9:13
  working
• 9:13
  in
• 9:14
  this
• 9:14
  particular
• 9:14
  area.
• 9:15
  I
• 9:15
  tell
• 9:15
  stories.
• 9:16
  I
• 9:16
  tell
• 9:16
  ways
• 9:17
  to
• 9:17
  break
• 9:17
  that
• 9:17
  cycle
• 9:18
  finally.
• 9:18
  And
• 9:18
  you
• 9:19
  get
• 9:19
  a
• 9:19
  copy
• 9:19
  yourself
• 9:19
  by
• 9:20
  just
• 9:20
  going
• 9:20
  to
• 9:20
  financially
• 9:21
  confidentchristian.com
• 9:23
  becoming
• 9:24
  go
• 9:24
  get
• 9:25
  your
• 9:25
  copy
• 9:25
  today.
• 9:25
  Again,
• 9:25
  that's
• 9:26
  financially
• 9:27
  confidentchristian.com
• 9:29
  becoming
• 9:29
  how
• 9:30
  about
• 9:30
  we
• 9:30
  pray
• 9:30
  together?
• 9:31
  Lord,
• 9:31
  we
• 9:31
  come
• 9:32
  to
• 9:32
  you
• 9:32
  today.
• 9:32
  We
• 9:32
  feel
• 9:33
  like
• 9:33
  failure
• 9:33
  sometimes,
• 9:34
  Lord.
• 9:35
  We
• 9:35
  feel
• 9:35
  like
• 9:35
  we're
• 9:35
  doing
• 9:36
  our
• 9:36
  best,
• 9:36
  Lord,
• 9:36
  but
• 9:36
  we
• 9:36
  just
• 9:37
  seem
• 9:37
  to
• 9:37
  not
• 9:37
  measure
• 9:38
  up.
• 9:39
  So,
• 9:39
  Lord,
• 9:39
  we
• 9:39
  surrender
• 9:40
  that
• 9:40
  to
• 9:40
  you
• 9:40
  right
• 9:41
  now,
• 9:41
  Lord.
• 9:41
  Give
• 9:42
  us
• 9:42
  strength.
• 9:42
  Give
• 9:43
  us
• 9:43
  perseverance,
• 9:44
  Lord,
• 9:44
  and
• 9:45
  help
• 9:45
  us
• 9:45
  to
• 9:45
  see
• 9:45
  our
• 9:46
  identity
• 9:46
  is
• 9:46
  not
• 9:46
  what's
• 9:47
  in
• 9:47
  our
• 9:47
  bank
• 9:47
  account.
• 9:48
  It's
• 9:48
  not
• 9:48
  what
• 9:49
  we
• 9:49
  own.
• 9:49
  It's
• 9:49
  not
• 9:49
  the
• 9:50
  stuff
• 9:50
  that's
• 9:50
  all
• 9:50
  around
• 9:51
  us,
• 9:51
  Lord,
• 9:51
  but
• 9:52
  it's
• 9:52
  our
• 9:52
  relationship
• 9:53
  with
• 9:53
  you,
• 9:53
  Lord.
• 9:54
  So
• 9:54
  help
• 9:54
  us
• 9:54
  to
• 9:54
  strengthen
• 9:55
  that
• 9:55
  relationship
• 9:55
  today,
• 9:56
  Lord.
• 9:56
  Help
• 9:57
  us
• 9:57
  to
• 9:57
  build
• 9:57
  that
• 9:57
  relationship.
• 9:58
  Because
• 9:59
  we
• 9:59
  can
• 9:59
  trust
• 9:59
  you,
• 10:00
  Lord.
• 10:00
  And
• 10:00
  we
• 10:00
  ask
• 10:01
  that
• 10:01
  you
• 10:01
  help
• 10:01
  us
• 10:02
  to
• 10:02
  trust
• 10:02
  you
• 10:02
  even
• 10:02
  more
• 10:03
  today
• 10:03
  as
• 10:03
  we
• 10:04
  battle
• 10:04
  these
• 10:04
  difficult
• 10:05
  things
• 10:05
  and
• 10:05
  our
• 10:06
  finances,
• 10:07
  Lord.
• 10:07
  And
• 10:07
  I
• 10:07
  ask
• 10:07
  this
• 10:08
  with
• 10:08
  complete
• 10:08
  confidence
• 10:09
  in
• 10:09
  the
• 10:09
  only
• 10:09
  name
• 10:09
  that
• 10:10
  matters,
• 10:10
  in
• 10:10
  the
• 10:11
  name
• 10:11
  of
• 10:11
  Jesus.
• 10:12
  Amen.
• 10:13
  I
• 10:13
  just
• 10:13
  want
• 10:13
  to
• 10:13
  thank
• 10:14
  you
• 10:14
  for
• 10:14
  joining
• 10:14
  me
• 10:14
  for
• 10:14
  this
• 10:14
  quick
• 10:15
  bonus
• 10:15
  episode
• 10:15
  again.
• 10:16
  If
• 10:16
  you've
• 10:16
  got
• 10:16
  a
• 10:16
  question
• 10:17
  you'd
• 10:17
  like
• 10:17
  to
• 10:17
  have
• 10:17
  answered
• 10:18
  on
• 10:18
  the
• 10:18
  show,
• 10:18
  go
• 10:18
  to
• 10:19
  just
• 10:19
  ask
• 10:19
  Ralph.com
• 10:20
  send
• 10:21
  me
• 10:21
  your
• 10:21
  question
• 10:21
  and
• 10:22
  I
• 10:22
  would
• 10:22
  love
• 10:22
  to
• 10:22
  feature
• 10:22
  it
• 10:23
  on
• 10:23
  the
• 10:23
  show.
• 10:23
  So
• 10:24
  you
• 10:24
  have
• 10:24
  a
• 10:24
  great
• 10:24
  day.
• 10:25
  Be
• 10:25
  financially
• 10:25
  savvy
• 10:26
  out
• 10:26
  there.
• 10:26
  God
• 10:26
  bless
• 10:27
  you
• 10:27
  and
• 10:27
  I'll
• 10:27
  see
• 10:27
  you
• 10:28
  next
• 10:28
  time
• 10:28
  on
• 10:28
  the
• 10:28
  show.