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How Can I Find Any Extra Money When My Budget is So Tight? · Becoming Financially Confident

• 0:37
  Let's
• 0:38
  face
• 0:38
  it,
• 0:38
  you've
• 0:38
  cut
• 0:38
  back,
• 0:39
  you've
• 0:39
  trimmed
• 0:40
  everywhere.
• 0:40
  The
• 0:41
  budget
• 0:41
  is
• 0:41
  already
• 0:41
  tighter
• 0:42
  than
• 0:42
  your
• 0:42
  favorite
• 0:42
  pair
• 0:43
  of
• 0:43
  jeans
• 0:43
  after
• 0:43
  Thanksgiving.
• 0:44
  Now
• 0:44
  that's
• 0:45
  a
• 0:45
  mental
• 0:45
  picture,
• 0:45
  isn't
• 0:45
  it?
• 0:46
  And
• 0:46
  yet
• 0:47
  that
• 0:47
  nagging
• 0:47
  feeling
• 0:48
  is
• 0:48
  still
• 0:48
  there.
• 0:49
  You
• 0:49
  want
• 0:49
  to
• 0:49
  make
• 0:50
  more
• 0:50
  progress,
• 0:51
  but
• 0:51
  you
• 0:51
  honestly
• 0:52
  think,
• 0:52
  Ralph,
• 0:52
  there's
• 0:53
  no
• 0:53
  extra
• 0:53
  money
• 0:54
  left.
• 0:55
  Well,
• 0:55
  what
• 0:55
  if
• 0:55
  I
• 0:55
  told
• 0:55
  you
• 0:56
  that
• 0:56
  even
• 0:56
  the
• 0:56
  tightest
• 0:57
  budget,
• 0:57
  I'm
• 0:57
  talking
• 0:57
  about
• 0:58
  the
• 0:58
  squeakiest,
• 0:59
  tightest
• 0:59
  one,
• 0:59
  there's
• 1:00
  almost
• 1:00
  always
• 1:01
  a
• 1:01
  little
• 1:01
  more
• 1:01
  you
• 1:02
  can
• 1:02
  find.
• 1:02
  Well,
• 1:03
  stick
• 1:03
  with
• 1:03
  me
• 1:03
  today
• 1:03
  because
• 1:04
  we're
• 1:04
  going
• 1:04
  to
• 1:04
  go
• 1:04
  treasure
• 1:05
  hunting
• 1:05
  in
• 1:05
  your
• 1:05
  own
• 1:06
  budget
• 1:06
  and
• 1:07
  we're
• 1:07
  going
• 1:07
  to
• 1:07
  find
• 1:07
  that
• 1:07
  money
• 1:08
  to
• 1:08
  help
• 1:08
  you
• 1:08
  get
• 1:08
  towards
• 1:09
  that
• 1:09
  debt
• 1:09
  freedom
• 1:10
  plan.
• 1:10
  That's
• 1:10
  what
• 1:10
  I'm
• 1:10
  going
• 1:10
  to
• 1:11
  talk
• 1:11
  about
• 1:11
  on
• 1:11
  today's
• 1:11
  show.
• 1:13
  This
• 1:13
  is
• 1:13
  Financially
• 1:14
  Confident
• 1:14
  Christian,
• 1:15
  your
• 1:15
  daily
• 1:15
  dose
• 1:16
  of
• 1:16
  gospel,
• 1:16
  grounded
• 1:17
  insight
• 1:17
  and
• 1:18
  faith
• 1:18
  driven
• 1:18
  tips
• 1:19
  to
• 1:19
  help
• 1:19
  you
• 1:19
  break
• 1:20
  the
• 1:20
  cycle
• 1:20
  of
• 1:20
  financial
• 1:21
  shame
• 1:21
  with
• 1:21
  confidence.
• 1:24
  Hey,
• 1:25
  friend.
• 1:25
  Welcome
• 1:25
  back
• 1:26
  to
• 1:26
  your
• 1:26
  Daily
• 1:26
  Financially
• 1:27
  Confident
• 1:27
  Christian.
• 1:28
  I'm
• 1:28
  Ralph
• 1:29
  and
• 1:29
  I'm
• 1:29
  here
• 1:29
  to
• 1:29
  help
• 1:29
  you
• 1:29
  take
• 1:29
  control
• 1:30
  of
• 1:30
  your
• 1:30
  money
• 1:31
  and
• 1:31
  truly
• 1:31
  live
• 1:32
  in
• 1:32
  God's
• 1:32
  financial
• 1:33
  peace.
• 1:33
  Hey,
• 1:33
  you
• 1:33
  want
• 1:34
  financial
• 1:34
  peace?
• 1:35
  That's
• 1:35
  what
• 1:35
  this
• 1:35
  show
• 1:35
  is
• 1:36
  all
• 1:36
  about.
• 1:36
  And
• 1:37
  we're
• 1:37
  continuing
• 1:37
  in
• 1:37
  our
• 1:38
  series
• 1:38
  Breaking
• 1:39
  Financial
• 1:39
  Chains.
• 1:40
  Now
• 1:40
  yesterday
• 1:41
  we
• 1:41
  broke
• 1:41
  down
• 1:41
  that
• 1:42
  minimum
• 1:42
  payment
• 1:42
  trap
• 1:43
  and
• 1:43
  how
• 1:43
  to
• 1:43
  break
• 1:44
  free
• 1:44
  even
• 1:44
  with
• 1:45
  some
• 1:45
  small
• 1:45
  extra
• 1:46
  payments.
• 1:46
  I
• 1:46
  want
• 1:46
  to
• 1:46
  encourage
• 1:47
  you,
• 1:47
  yesterday's
• 1:48
  show
• 1:48
  builds
• 1:48
  on
• 1:48
  today's
• 1:49
  show.
• 1:49
  If
• 1:49
  you
• 1:50
  missed
• 1:50
  it,
• 1:50
  go
• 1:50
  check
• 1:50
  it
• 1:50
  out.
• 1:50
  You
• 1:51
  can
• 1:51
  do
• 1:51
  that@financially
• 1:53
  confidentchristian.com
• 1:54
  and
• 1:55
  today
• 1:55
  we're
• 1:55
  going
• 1:55
  to
• 1:55
  answer
• 1:56
  that
• 1:56
  question.
• 1:56
  Hey,
• 1:56
  I
• 1:56
  got
• 1:57
  a
• 1:57
  couple
• 1:57
  of
• 1:57
  emails
• 1:58
  after
• 1:58
  I
• 1:58
  recorded
• 1:59
  and
• 1:59
  sent
• 1:59
  out
• 1:59
  the
• 1:59
  show
• 2:00
  yesterday.
• 2:00
  They
• 2:00
  said,
• 2:00
  ralph,
• 2:01
  how
• 2:01
  do
• 2:01
  I
• 2:01
  find
• 2:02
  extra
• 2:02
  money
• 2:02
  when
• 2:02
  my
• 2:03
  budget
• 2:03
  already
• 2:04
  feels
• 2:04
  maxed
• 2:04
  out?
• 2:05
  And
• 2:06
  trust
• 2:06
  me,
• 2:06
  I
• 2:06
  get
• 2:07
  it.
• 2:07
  Reminded
• 2:08
  me
• 2:08
  of
• 2:08
  a
• 2:08
  single
• 2:08
  mom
• 2:09
  I
• 2:09
  once
• 2:09
  wore.
• 2:09
  She
• 2:10
  swore
• 2:10
  to
• 2:10
  me,
• 2:10
  she
• 2:10
  said,
• 2:10
  Ralph,
• 2:11
  there
• 2:11
  is
• 2:11
  no
• 2:12
  room
• 2:12
  in
• 2:12
  this
• 2:12
  budget.
• 2:13
  She
• 2:13
  had
• 2:14
  it
• 2:14
  all
• 2:14
  mapped
• 2:14
  out.
• 2:14
  Every
• 2:15
  dollar
• 2:15
  had
• 2:15
  a
• 2:15
  job.
• 2:16
  I
• 2:16
  mean,
• 2:16
  she
• 2:16
  was
• 2:16
  doing
• 2:16
  a
• 2:16
  great
• 2:17
  job
• 2:17
  of
• 2:17
  that.
• 2:18
  When
• 2:18
  we
• 2:18
  sat
• 2:19
  down,
• 2:19
  we
• 2:19
  looked
• 2:20
  a
• 2:20
  little
• 2:20
  closer
• 2:21
  and
• 2:21
  in
• 2:21
  one
• 2:22
  month
• 2:22
  we
• 2:22
  found
• 2:22
  28
• 2:23
  bucks
• 2:23
  she
• 2:23
  didn't
• 2:23
  even
• 2:23
  realize
• 2:24
  she
• 2:24
  was
• 2:24
  spending.
• 2:25
  Now,
• 2:25
  it
• 2:26
  wasn't
• 2:26
  $28
• 2:27
  in
• 2:27
  one
• 2:27
  thing,
• 2:27
  it
• 2:27
  was
• 2:27
  $6
• 2:28
  here,
• 2:29
  $4
• 2:30
  there.
• 2:30
  Hey,
• 2:30
  she
• 2:30
  even
• 2:30
  found
• 2:30
  a
• 2:31
  subscription.
• 2:31
  She'd
• 2:32
  totally
• 2:32
  forgotten
• 2:32
  about
• 2:33
  it.
• 2:33
  And
• 2:33
  she
• 2:33
  had
• 2:33
  a
• 2:33
  little
• 2:34
  other
• 2:34
  sneaky
• 2:34
  thing
• 2:34
  news.
• 2:35
  A
• 2:35
  few
• 2:35
  of
• 2:35
  those
• 2:35
  I
• 2:36
  deserve
• 2:36
  it
• 2:36
  snacks
• 2:37
  from
• 2:37
  the
• 2:37
  gas
• 2:37
  station.
• 2:38
  Those
• 2:38
  things
• 2:39
  are
• 2:39
  real
• 2:39
  budget
• 2:39
  busters,
• 2:40
  let
• 2:40
  me
• 2:40
  just
• 2:40
  tell
• 2:40
  you
• 2:41
  right
• 2:41
  now.
• 2:41
  Not
• 2:41
  to
• 2:41
  mention
• 2:42
  they're
• 2:42
  probably
• 2:42
  the
• 2:42
  worst
• 2:43
  foods
• 2:43
  from
• 2:43
  a
• 2:43
  health
• 2:43
  perspective.
• 2:44
  This
• 2:45
  is
• 2:45
  an
• 2:45
  el
• 2:45
  show,
• 2:46
  so
• 2:46
  that's
• 2:46
  a
• 2:46
  topic
• 2:47
  for
• 2:47
  another
• 2:47
  show.
• 2:48
  But
• 2:48
  what
• 2:48
  we
• 2:48
  did
• 2:48
  was
• 2:49
  we
• 2:49
  directed
• 2:49
  that
• 2:49
  $28
• 2:50
  towards
• 2:51
  her
• 2:51
  credit
• 2:51
  card.
• 2:51
  And
• 2:51
  she
• 2:51
  was
• 2:52
  absolutely
• 2:52
  shocked
• 2:53
  at
• 2:53
  how
• 2:53
  quickly
• 2:54
  the
• 2:54
  balance
• 2:54
  started
• 2:55
  moving.
• 2:56
  So
• 2:56
  maybe
• 2:56
  you've
• 2:57
  told
• 2:57
  yourself
• 2:57
  that
• 2:57
  same
• 2:58
  thing,
• 2:58
  Ralph.
• 2:58
  There's
• 2:59
  nothing
• 2:59
  left
• 2:59
  to
• 2:59
  cut.
• 3:00
  I've
• 3:00
  cut
• 3:00
  it
• 3:00
  all,
• 3:00
  man.
• 3:01
  This
• 3:01
  is
• 3:01
  as
• 3:01
  lean
• 3:02
  as
• 3:02
  it
• 3:02
  can
• 3:02
  get.
• 3:03
  But
• 3:03
  too
• 3:04
  many
• 3:04
  people
• 3:04
  don't
• 3:04
  get
• 3:04
  it
• 3:05
  often.
• 3:05
  It's
• 3:05
  not
• 3:06
  about
• 3:06
  big
• 3:06
  cuts.
• 3:07
  Those
• 3:07
  cuts
• 3:08
  are
• 3:08
  easy
• 3:08
  to
• 3:08
  see.
• 3:09
  It's
• 3:09
  about
• 3:09
  those
• 3:10
  tiny
• 3:10
  leaks.
• 3:11
  So
• 3:12
  if
• 3:12
  you've
• 3:12
  been
• 3:12
  feeling
• 3:12
  hopeless
• 3:13
  about
• 3:13
  this
• 3:14
  tight
• 3:14
  budget,
• 3:14
  I
• 3:14
  want
• 3:15
  you
• 3:15
  to
• 3:15
  hear
• 3:15
  this,
• 3:16
  and
• 3:16
  I
• 3:16
  want
• 3:16
  you
• 3:16
  to
• 3:16
  hear
• 3:16
  this
• 3:17
  loud
• 3:17
  and
• 3:17
  clear.
• 3:18
  You're
• 3:18
  not
• 3:18
  failing.
• 3:19
  So
• 3:19
  many
• 3:20
  people
• 3:20
  think
• 3:20
  my
• 3:20
  budget's
• 3:21
  tight,
• 3:21
  I
• 3:21
  can't
• 3:21
  get
• 3:22
  anywhere,
• 3:22
  Ralph.
• 3:22
  I'm
• 3:23
  failing.
• 3:23
  You're
• 3:23
  not
• 3:23
  failing.
• 3:25
  You're
• 3:25
  just
• 3:25
  missing
• 3:25
  some
• 3:25
  hidden
• 3:26
  opportunities.
• 3:27
  And
• 3:28
  the
• 3:28
  good
• 3:28
  news
• 3:28
  is
• 3:28
  this.
• 3:29
  You
• 3:29
  don't
• 3:29
  have
• 3:29
  to
• 3:30
  turn
• 3:30
  your
• 3:30
  whole
• 3:30
  life
• 3:30
  upside
• 3:31
  down
• 3:31
  to
• 3:31
  find
• 3:32
  them.
• 3:33
  Well,
• 3:33
  let's
• 3:33
  talk
• 3:33
  about
• 3:34
  what
• 3:34
  Jesus
• 3:34
  said
• 3:35
  in
• 3:35
  the
• 3:35
  Book
• 3:35
  of
• 3:35
  Mark,
• 3:36
  chapter
• 3:36
  12,
• 3:37
  verses
• 3:37
  41
• 3:38
  to
• 3:38
  44,
• 3:39
  when
• 3:39
  he
• 3:39
  talks
• 3:40
  about
• 3:40
  the
• 3:40
  widow
• 3:41
  who
• 3:41
  gave
• 3:41
  her
• 3:41
  two
• 3:41
  small
• 3:42
  coins.
• 3:42
  I'm
• 3:43
  not
• 3:43
  going
• 3:43
  to
• 3:43
  read
• 3:43
  the
• 3:43
  verse.
• 3:44
  You
• 3:44
  can
• 3:44
  go
• 3:44
  check
• 3:44
  it
• 3:44
  out.
• 3:44
  I'm
• 3:45
  going
• 3:45
  to
• 3:45
  encourage
• 3:45
  you
• 3:45
  to
• 3:45
  do
• 3:45
  that.
• 3:46
  But
• 3:46
  it's
• 3:47
  all
• 3:47
  about
• 3:47
  this
• 3:47
  widow
• 3:47
  who
• 3:47
  gave
• 3:48
  her
• 3:48
  two
• 3:48
  small
• 3:48
  coins.
• 3:50
  Now,
• 3:50
  all
• 3:50
  of
• 3:50
  us
• 3:51
  a
• 3:51
  two
• 3:51
  big
• 3:51
  deal,
• 3:52
  too.
• 3:52
  Small
• 3:52
  coins.
• 3:53
  But
• 3:54
  it
• 3:54
  wasn't
• 3:54
  about
• 3:54
  that
• 3:55
  being
• 3:55
  a
• 3:55
  lot
• 3:56
  of
• 3:56
  money.
• 3:57
  It
• 3:57
  was
• 3:57
  all
• 3:57
  about
• 3:58
  her
• 3:58
  faithfulness
• 3:59
  with
• 3:59
  what
• 3:59
  she
• 3:59
  had.
• 3:59
  And
• 3:59
  that's
• 4:00
  what
• 4:00
  Jesus
• 4:00
  talks
• 4:01
  about.
• 4:02
  She
• 4:02
  was
• 4:02
  so
• 4:03
  faithful,
• 4:03
  those
• 4:04
  two
• 4:04
  coins
• 4:04
  meant
• 4:05
  a
• 4:05
  world
• 4:05
  to
• 4:05
  her.
• 4:06
  Let's
• 4:07
  look
• 4:07
  at
• 4:07
  Proverbs,
• 4:08
  chapter
• 4:08
  14,
• 4:08
  verse
• 4:09
  23.
• 4:09
  It
• 4:10
  says
• 4:10
  this.
• 4:11
  All
• 4:11
  hard
• 4:11
  work
• 4:12
  brings
• 4:12
  a
• 4:12
  profit,
• 4:13
  but
• 4:13
  mere
• 4:14
  talk
• 4:14
  leads
• 4:15
  only
• 4:15
  to
• 4:15
  poverty.
• 4:16
  Use
• 4:16
  that
• 4:17
  on
• 4:17
  the
• 4:17
  show
• 4:17
  a
• 4:17
  few
• 4:17
  times.
• 4:18
  My
• 4:18
  grandfather
• 4:18
  used
• 4:18
  to
• 4:19
  say
• 4:19
  this
• 4:19
  all
• 4:19
  the
• 4:19
  time.
• 4:20
  You
• 4:20
  know,
• 4:20
  talk
• 4:21
  to
• 4:21
  talk,
• 4:21
  but
• 4:21
  walk
• 4:21
  the
• 4:22
  walk.
• 4:22
  Ralph,
• 4:23
  you
• 4:23
  got
• 4:23
  to
• 4:23
  put
• 4:24
  some
• 4:24
  hard
• 4:24
  work
• 4:24
  in
• 4:24
  here
• 4:25
  if
• 4:25
  you
• 4:26
  want
• 4:26
  to
• 4:26
  get
• 4:26
  out
• 4:26
  of
• 4:26
  this
• 4:27
  debt
• 4:27
  cycle
• 4:28
  that
• 4:28
  you're
• 4:28
  in.
• 4:29
  Because
• 4:29
  here's
• 4:29
  the
• 4:30
  truth.
• 4:30
  I
• 4:30
  want
• 4:30
  you
• 4:30
  to
• 4:30
  hear
• 4:30
  this,
• 4:30
  and
• 4:31
  I
• 4:31
  want
• 4:31
  you
• 4:31
  to
• 4:31
  hear
• 4:31
  this
• 4:31
  loud
• 4:32
  and
• 4:32
  clear.
• 4:32
  God
• 4:33
  honors
• 4:33
  diligence
• 4:34
  even
• 4:34
  in
• 4:34
  the
• 4:35
  smallest
• 4:35
  things.
• 4:37
  And
• 4:37
  sometimes
• 4:37
  the
• 4:38
  smallest
• 4:38
  financial
• 4:39
  wins
• 4:39
  are
• 4:39
  the
• 4:39
  ones
• 4:39
  that
• 4:40
  build
• 4:40
  the
• 4:40
  most
• 4:40
  momentum.
• 4:41
  They
• 4:42
  really
• 4:42
  do.
• 4:43
  So
• 4:43
  here's
• 4:43
  the
• 4:43
  shift
• 4:43
  I
• 4:44
  want
• 4:44
  you
• 4:44
  to
• 4:44
  make.
• 4:45
  Stop
• 4:45
  looking
• 4:45
  for
• 4:46
  hundreds
• 4:46
  of
• 4:46
  dollars.
• 4:46
  So
• 4:46
  many
• 4:47
  people
• 4:47
  get
• 4:47
  mired
• 4:48
  down
• 4:48
  and
• 4:48
  stuck
• 4:48
  in
• 4:49
  this
• 4:49
  because
• 4:49
  they're
• 4:49
  looking
• 4:50
  for
• 4:50
  this
• 4:50
  big
• 4:50
  thing
• 4:51
  in
• 4:51
  the
• 4:51
  budget.
• 4:51
  Oh,
• 4:51
  Ralph,
• 4:51
  I'm
• 4:52
  gonna
• 4:52
  find
• 4:52
  a
• 4:52
  couple
• 4:52
  hundred
• 4:53
  dollars
• 4:53
  and
• 4:53
  I'm
• 4:53
  gonna
• 4:53
  knock
• 4:53
  that
• 4:54
  debt
• 4:54
  out.
• 4:55
  Stop
• 4:55
  looking
• 4:56
  for
• 4:56
  hundreds
• 4:56
  of
• 4:56
  dollars
• 4:57
  and
• 4:57
  start
• 4:57
  looking
• 4:58
  for
• 4:58
  tens
• 4:58
  of
• 4:59
  dollars.
• 4:59
  I'm
• 5:00
  talking
• 5:00
  $10,
• 5:01
  $15.
• 5:03
  If
• 5:03
  you
• 5:03
  do
• 5:03
  it
• 5:03
  consistently,
• 5:04
  it
• 5:04
  can
• 5:05
  speed
• 5:05
  up
• 5:05
  your
• 5:05
  goals
• 5:06
  faster
• 5:06
  than
• 5:06
  you
• 5:06
  think.
• 5:07
  So
• 5:07
  here's
• 5:08
  your
• 5:08
  one
• 5:08
  action
• 5:08
  step
• 5:08
  for
• 5:09
  today.
• 5:09
  Here's
• 5:09
  what
• 5:09
  I
• 5:09
  want
• 5:09
  you
• 5:09
  to
• 5:10
  try
• 5:10
  for
• 5:10
  the
• 5:11
  next
• 5:11
  three
• 5:11
  days.
• 5:11
  I
• 5:12
  want
• 5:12
  you
• 5:12
  to
• 5:12
  do
• 5:12
  a
• 5:12
  three
• 5:13
  day
• 5:13
  leak
• 5:13
  audit.
• 5:14
  What
• 5:15
  is
• 5:15
  Ralph
• 5:15
  talking
• 5:15
  about
• 5:16
  for
• 5:16
  the
• 5:16
  next
• 5:16
  three
• 5:17
  days?
• 5:17
  I
• 5:18
  encourage
• 5:18
  you
• 5:18
  to
• 5:18
  track
• 5:18
  your
• 5:18
  money
• 5:19
  all
• 5:19
  the
• 5:19
  time,
• 5:19
  but
• 5:19
  this
• 5:20
  is
• 5:20
  like
• 5:20
  a
• 5:20
  super
• 5:20
  focused
• 5:21
  thing.
• 5:21
  I
• 5:21
  want
• 5:22
  you
• 5:22
  to
• 5:22
  track
• 5:22
  every
• 5:22
  dollar
• 5:23
  you
• 5:23
  spend
• 5:23
  for
• 5:24
  the
• 5:24
  next
• 5:24
  three
• 5:24
  days.
• 5:24
  No
• 5:24
  exceptions.
• 5:25
  I'm
• 5:25
  talking
• 5:26
  about
• 5:26
  every
• 5:26
  dollar
• 5:27
  you
• 5:27
  put
• 5:27
  on
• 5:27
  your
• 5:27
  bank
• 5:27
  account,
• 5:28
  every
• 5:28
  dollar
• 5:29
  you
• 5:29
  put
• 5:29
  on
• 5:29
  your
• 5:29
  credit
• 5:29
  card.
• 5:30
  Hey,
• 5:30
  even
• 5:30
  the
• 5:30
  money
• 5:31
  you're
• 5:31
  spending
• 5:31
  with
• 5:31
  that
• 5:31
  pocket
• 5:32
  money
• 5:32
  of
• 5:32
  cash.
• 5:33
  Track
• 5:33
  every
• 5:34
  single
• 5:34
  thing
• 5:34
  you
• 5:35
  spend
• 5:35
  for
• 5:35
  the
• 5:35
  next
• 5:36
  three
• 5:36
  days.
• 5:37
  Once
• 5:37
  you
• 5:37
  do
• 5:37
  that,
• 5:38
  I
• 5:38
  want
• 5:38
  you
• 5:38
  to
• 5:38
  spot
• 5:39
  one
• 5:39
  or
• 5:39
  two
• 5:39
  temporary
• 5:40
  cuts
• 5:41
  for
• 5:41
  you.
• 5:41
  Maybe
• 5:42
  it's
• 5:42
  pausing
• 5:42
  a
• 5:42
  subscription.
• 5:43
  Like,
• 5:43
  yeah,
• 5:43
  I
• 5:44
  really
• 5:44
  like
• 5:44
  Hulu,
• 5:44
  I
• 5:45
  really
• 5:45
  like
• 5:45
  Netflix.
• 5:45
  But
• 5:46
  you
• 5:46
  know,
• 5:46
  truth
• 5:46
  is,
• 5:46
  Ralph,
• 5:47
  I
• 5:47
  really
• 5:47
  want
• 5:47
  to
• 5:48
  get
• 5:48
  out
• 5:48
  of
• 5:48
  debt.
• 5:48
  Maybe
• 5:48
  you
• 5:49
  pause
• 5:49
  that.
• 5:49
  Maybe
• 5:50
  you
• 5:50
  skip
• 5:50
  one
• 5:50
  takeout
• 5:51
  meal
• 5:51
  this
• 5:51
  week,
• 5:52
  or
• 5:52
  maybe
• 5:52
  you're
• 5:52
  like
• 5:52
  me,
• 5:53
  ate
• 5:53
  a
• 5:53
  lot
• 5:53
  of
• 5:53
  takeout
• 5:54
  meals.
• 5:55
  Or
• 5:55
  maybe
• 5:56
  cut
• 5:56
  that
• 5:56
  daily
• 5:56
  snack
• 5:57
  run,
• 5:57
  just
• 5:57
  whatever
• 5:58
  you
• 5:58
  can
• 5:58
  find
• 5:58
  one
• 5:59
  or
• 5:59
  two
• 5:59
  temporary
• 6:00
  cuts
• 6:01
  and
• 6:01
  know
• 6:02
  that
• 6:02
  number
• 6:02
  add
• 6:03
  up
• 6:03
  exactly
• 6:03
  how
• 6:03
  much
• 6:04
  you
• 6:04
  freed,
• 6:04
  even
• 6:04
  if
• 6:04
  it's
• 6:05
  just
• 6:05
  $20,
• 6:06
  because
• 6:06
  that's
• 6:06
  going
• 6:06
  to
• 6:07
  count.
• 6:07
  And
• 6:07
  as
• 6:08
  I
• 6:08
  mentioned
• 6:08
  a
• 6:08
  couple
• 6:08
  days
• 6:09
  ago,
• 6:09
  I
• 6:09
  want
• 6:09
  you
• 6:09
  to
• 6:10
  redirect
• 6:10
  that
• 6:10
  immediately.
• 6:11
  Send
• 6:11
  that
• 6:11
  amount
• 6:12
  straight
• 6:12
  to
• 6:12
  your
• 6:12
  debt
• 6:13
  payoff
• 6:13
  or
• 6:13
  your
• 6:14
  savings
• 6:14
  goal
• 6:14
  before
• 6:14
  it
• 6:15
  disappears
• 6:15
  into
• 6:16
  other
• 6:16
  spending.
• 6:16
  But
• 6:17
  here's
• 6:17
  the
• 6:17
  truth.
• 6:17
  If
• 6:18
  you
• 6:18
  don't
• 6:18
  do
• 6:18
  it
• 6:19
  right
• 6:19
  away,
• 6:19
  it's
• 6:20
  so
• 6:20
  easy
• 6:20
  for
• 6:20
  those
• 6:21
  things
• 6:21
  to
• 6:21
  lose
• 6:22
  their
• 6:22
  jobs
• 6:23
  because
• 6:23
  it
• 6:23
  flips
• 6:24
  the
• 6:24
  script.
• 6:24
  If
• 6:24
  you
• 6:24
  do
• 6:25
  this,
• 6:25
  it
• 6:25
  changes
• 6:26
  that
• 6:26
  I
• 6:26
  can't
• 6:27
  do.
• 6:27
  I
• 6:27
  just
• 6:27
  did.
• 6:28
  See,
• 6:28
  there's
• 6:28
  so
• 6:29
  much
• 6:29
  momentum
• 6:29
  building
• 6:30
  in
• 6:30
  that.
• 6:30
  When
• 6:30
  you
• 6:30
  can
• 6:31
  flip
• 6:31
  that
• 6:31
  script
• 6:31
  and
• 6:31
  say,
• 6:32
  I
• 6:32
  can't
• 6:32
  do
• 6:32
  it
• 6:33
  to
• 6:33
  I
• 6:33
  just
• 6:33
  did
• 6:33
  it.
• 6:34
  Roughly
• 6:34
  what
• 6:34
  I
• 6:34
  did.
• 6:35
  It's
• 6:35
  not
• 6:35
  about
• 6:36
  a
• 6:36
  massive
• 6:36
  sacrifice
• 6:37
  either.
• 6:38
  It's
• 6:38
  about
• 6:38
  making
• 6:39
  intentional
• 6:39
  choices
• 6:40
  that
• 6:40
  prove
• 6:40
  that
• 6:40
  you
• 6:40
  do
• 6:41
  have
• 6:41
  control.
• 6:41
  Because
• 6:41
  let
• 6:42
  me
• 6:42
  tell
• 6:42
  you
• 6:42
  something
• 6:42
  right
• 6:42
  now,
• 6:43
  if
• 6:43
  you
• 6:43
  hear
• 6:43
  nothing
• 6:44
  else
• 6:44
  I
• 6:44
  said
• 6:44
  today,
• 6:45
  you
• 6:46
  have
• 6:46
  control.
• 6:47
  How
• 6:47
  about
• 6:47
  we
• 6:47
  pray
• 6:48
  together?
• 6:49
  Father
• 6:49
  God,
• 6:49
  we
• 6:49
  just
• 6:50
  thank
• 6:50
  you
• 6:50
  for
• 6:50
  our
• 6:50
  resources
• 6:51
  you've
• 6:51
  given
• 6:51
  us.
• 6:52
  Even
• 6:53
  when
• 6:53
  they
• 6:53
  feel
• 6:54
  small,
• 6:55
  open
• 6:55
  our
• 6:55
  eyes
• 6:56
  to
• 6:56
  see
• 6:56
  hidden
• 6:56
  opportunities.
• 6:57
  Lord,
• 6:57
  give
• 6:58
  us
• 6:58
  the
• 6:58
  discipline
• 6:58
  to
• 6:58
  make
• 6:59
  small
• 6:59
  changes
• 7:00
  and
• 7:00
  the
• 7:01
  faith
• 7:01
  to
• 7:01
  believe
• 7:01
  that
• 7:02
  those
• 7:02
  changes,
• 7:02
  even
• 7:03
  if
• 7:03
  they're
• 7:03
  small
• 7:03
  door,
• 7:03
  they
• 7:04
  matter.
• 7:04
  And
• 7:05
  they
• 7:05
  help
• 7:05
  us
• 7:05
  get
• 7:05
  to
• 7:06
  our
• 7:06
  goals
• 7:07
  of
• 7:07
  being
• 7:07
  debt
• 7:07
  free.
• 7:08
  And
• 7:08
  we
• 7:08
  ask
• 7:08
  this
• 7:08
  in
• 7:08
  confidence
• 7:09
  in
• 7:10
  Jesus
• 7:10
  name,
• 7:11
  Amen.
• 7:12
  Friend.
• 7:13
  I
• 7:13
  just
• 7:13
  want
• 7:13
  you
• 7:13
  to
• 7:13
  think
• 7:14
  about
• 7:14
  this
• 7:14
  for
• 7:14
  a
• 7:14
  second.
• 7:15
  Don't
• 7:15
  underestimate
• 7:16
  this
• 7:16
  power
• 7:17
  of
• 7:17
  small
• 7:17
  amounts.
• 7:18
  Go
• 7:19
  find
• 7:19
  that
• 7:19
  extra
• 7:19
  $10,
• 7:20
  $20,
• 7:20
  whatever
• 7:21
  that
• 7:21
  looks
• 7:21
  like
• 7:21
  and
• 7:22
  put
• 7:22
  it
• 7:22
  to
• 7:22
  work
• 7:23
  and
• 7:23
  watch
• 7:24
  your
• 7:24
  hope
• 7:24
  grow.
• 7:24
  Watch
• 7:25
  that
• 7:25
  momentum
• 7:25
  grow.
• 7:26
  And
• 7:26
  I
• 7:26
  want
• 7:27
  to
• 7:27
  help
• 7:27
  you
• 7:27
  along
• 7:27
  that
• 7:27
  journey.
• 7:28
  I
• 7:28
  want
• 7:28
  to
• 7:28
  give
• 7:28
  you
• 7:28
  a
• 7:28
  copy
• 7:28
  of
• 7:29
  my
• 7:29
  new
• 7:29
  book.
• 7:29
  It's
• 7:29
  called
• 7:30
  how
• 7:30
  to
• 7:30
  Become
• 7:30
  a
• 7:31
  Financially
• 7:31
  Confident
• 7:32
  Christian.
• 7:32
  I
• 7:32
  want
• 7:32
  to
• 7:32
  give
• 7:32
  it
• 7:32
  to
• 7:32
  you
• 7:32
  for
• 7:33
  absolutely
• 7:34
  free.
• 7:34
  You
• 7:34
  can
• 7:34
  get
• 7:34
  it
• 7:35
  by
• 7:35
  going
• 7:35
  to
• 7:35
  financiallyconfidentchristian.com/becoming
• 7:39
  now
• 7:39
  tomorrow
• 7:40
  we're
• 7:40
  going
• 7:40
  to
• 7:41
  shift
• 7:41
  it
• 7:41
  a
• 7:41
  little
• 7:41
  bit.
• 7:42
  We're
• 7:42
  going
• 7:42
  to
• 7:42
  talk
• 7:42
  about
• 7:43
  why
• 7:43
  it
• 7:43
  can
• 7:43
  feel
• 7:43
  so
• 7:44
  hard
• 7:44
  to
• 7:44
  start
• 7:44
  saving
• 7:44
  at
• 7:45
  all
• 7:45
  and
• 7:46
  to
• 7:46
  how
• 7:46
  do
• 7:46
  you
• 7:46
  finally
• 7:47
  get
• 7:47
  some
• 7:47
  momentum
• 7:48
  in
• 7:48
  building
• 7:49
  that
• 7:49
  savings?
• 7:51
  Now,
• 7:51
  tomorrow
• 7:52
  we're
• 7:52
  going
• 7:52
  to
• 7:52
  tackle
• 7:52
  a
• 7:53
  big
• 7:53
  question.
• 7:53
  We're
• 7:53
  going
• 7:53
  to
• 7:54
  talk
• 7:54
  about
• 7:54
  why
• 7:54
  can
• 7:54
  it
• 7:55
  feel
• 7:55
  so
• 7:55
  hard
• 7:55
  to
• 7:55
  start
• 7:56
  savings
• 7:56
  at
• 7:56
  all?
• 7:56
  So
• 7:56
  many
• 7:57
  people
• 7:57
  say,
• 7:57
  Ralph,
• 7:57
  I
• 7:57
  just,
• 7:58
  I
• 7:58
  can't
• 7:58
  seem
• 7:58
  to
• 7:58
  get
• 7:59
  started.
• 7:59
  I
• 7:59
  can't
• 7:59
  find
• 8:00
  that
• 8:00
  momentum
• 8:01
  to
• 8:01
  get
• 8:01
  started
• 8:02
  on
• 8:02
  savings.
• 8:02
  We're
• 8:02
  going
• 8:02
  to
• 8:03
  talk
• 8:03
  about
• 8:03
  how
• 8:03
  to
• 8:03
  find
• 8:03
  that
• 8:03
  momentum
• 8:04
  on
• 8:04
  tomorrow's
• 8:05
  show.
• 8:05
  But
• 8:05
  right
• 8:05
  now
• 8:05
  I
• 8:05
  want
• 8:06
  to
• 8:06
  encourage
• 8:06
  you.
• 8:07
  Let's
• 8:07
  all
• 8:07
  go
• 8:07
  out
• 8:07
  there
• 8:08
  and
• 8:08
  be
• 8:08
  financially
• 8:09
  confident
• 8:10
  Christians.
• 8:10
  I
• 8:11
  believe
• 8:11
  in
• 8:11
  you.
• 8:12
  It's
• 8:12
  time
• 8:12
  that
• 8:12
  you
• 8:13
  believe
• 8:13
  in
• 8:13
  yourself.
• 8:14
  You
• 8:14
  can
• 8:14
  do
• 8:14
  this.
• 8:15
  I
• 8:15
  have
• 8:15
  faith
• 8:16
  in
• 8:16
  you.
• 8:16
  Have
• 8:17
  some
• 8:17
  faith
• 8:17
  in
• 8:17
  yourself.
• 8:18
  God
• 8:18
  bless
• 8:18
  you.
• 8:18
  And
• 8:19
  you
• 8:19
  have
• 8:19
  a
• 8:19
  great
• 8:19
  day
• 8:19
  today.