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How Do I Handle a Financial Shock Without Spiraling? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  had
• 0:38
  that
• 0:38
  moment
• 0:38
  when
• 0:39
  everything
• 0:39
  felt
• 0:40
  fine
• 0:41
  and
• 0:41
  then
• 0:41
  suddenly
• 0:42
  it
• 0:43
  wasn't
• 0:44
  an
• 0:44
  unexpected
• 0:45
  expense,
• 0:47
  a
• 0:47
  number
• 0:47
  you
• 0:47
  weren't
• 0:48
  prepared
• 0:48
  for?
• 0:49
  And
• 0:49
  just
• 0:50
  like
• 0:50
  that,
• 0:50
  you
• 0:50
  feel
• 0:51
  overwhelmed?
• 0:52
  If
• 0:53
  you're
• 0:53
  facing
• 0:53
  a
• 0:54
  financial
• 0:54
  shock
• 0:54
  right
• 0:55
  now
• 0:55
  and
• 0:55
  try
• 0:56
  not
• 0:56
  to
• 0:56
  panic,
• 0:57
  Today
• 0:57
  we're
• 0:57
  going
• 0:57
  to
• 0:58
  slow
• 0:58
  things
• 0:58
  down
• 0:58
  and
• 0:59
  walk
• 0:59
  through
• 0:59
  this
• 0:59
  together.
• 1:00
  Wait
• 1:00
  until
• 1:00
  you
• 1:00
  hear
• 1:01
  today's
• 1:01
  listener
• 1:01
  voicemail.
• 1:02
  It's
• 1:02
  a
• 1:03
  real
• 1:03
  doozy.
• 1:23
  Hello,
• 1:23
  friend.
• 1:23
  Ralph
• 1:24
  Estepp
• 1:24
  Jr.
• 1:25
  Here.
• 1:25
  Welcome
• 1:26
  to
• 1:26
  Financially
• 1:26
  Confident
• 1:27
  Christian.
• 1:28
  Our
• 1:28
  mission
• 1:29
  of
• 1:29
  the
• 1:29
  show
• 1:29
  every
• 1:30
  single
• 1:30
  day
• 1:30
  is
• 1:30
  to
• 1:30
  help
• 1:31
  you
• 1:31
  break
• 1:31
  that
• 1:31
  cycle
• 1:32
  of
• 1:32
  financial
• 1:32
  shame
• 1:33
  and.
• 1:33
  And
• 1:33
  live
• 1:34
  with
• 1:34
  confidence.
• 1:35
  And
• 1:35
  the
• 1:36
  thing
• 1:36
  I
• 1:36
  want
• 1:36
  to
• 1:36
  say
• 1:36
  at
• 1:36
  the
• 1:36
  beginning,
• 1:37
  we
• 1:38
  are
• 1:38
  all
• 1:38
  going
• 1:38
  to
• 1:39
  have
• 1:39
  unexpected
• 1:40
  financial
• 1:40
  hits.
• 1:42
  And
• 1:42
  for
• 1:42
  so
• 1:42
  many
• 1:43
  of
• 1:43
  us,
• 1:43
  they
• 1:43
  can
• 1:43
  feel
• 1:44
  so
• 1:44
  destabilizing.
• 1:46
  Want
• 1:46
  to
• 1:46
  tell
• 1:46
  you
• 1:47
  right
• 1:47
  now,
• 1:47
  you're
• 1:47
  not
• 1:47
  alone
• 1:48
  in
• 1:48
  this.
• 1:49
  So
• 1:49
  today
• 1:49
  I
• 1:50
  want
• 1:50
  to
• 1:50
  talk
• 1:50
  about
• 1:50
  how
• 1:50
  to
• 1:51
  handle
• 1:51
  a
• 1:51
  financial
• 1:52
  shock
• 1:52
  without
• 1:53
  spiraling.
• 1:54
  And
• 1:54
  like
• 1:54
  I
• 1:55
  said,
• 1:55
  this
• 1:55
  is
• 1:56
  a
• 1:56
  doozy
• 1:57
  of
• 1:57
  a
• 1:57
  voicemail
• 1:58
  we
• 1:58
  got
• 1:58
  today.
• 1:58
  But
• 1:58
  let's
• 1:59
  get
• 1:59
  right
• 1:59
  into
• 1:59
  today's
• 2:00
  listener
• 2:01
  question.
• 2:02
  Hi.
• 2:02
  I
• 2:04
  don't
• 2:04
  even
• 2:05
  know
• 2:05
  where
• 2:05
  to
• 2:05
  start
• 2:05
  with
• 2:05
  this.
• 2:06
  I've
• 2:07
  been
• 2:07
  listening
• 2:07
  to
• 2:07
  your
• 2:08
  podcast
• 2:08
  for
• 2:08
  a
• 2:09
  while
• 2:09
  now,
• 2:09
  and
• 2:09
  I've
• 2:10
  been
• 2:10
  trying
• 2:10
  to
• 2:10
  do
• 2:10
  the
• 2:10
  right
• 2:11
  things.
• 2:12
  Budgeting,
• 2:13
  planning,
• 2:13
  being
• 2:14
  responsible.
• 2:15
  And
• 2:15
  then
• 2:16
  today,
• 2:16
  something
• 2:17
  happened
• 2:17
  that
• 2:17
  just.
• 2:19
  It
• 2:19
  just
• 2:19
  broke
• 2:20
  that
• 2:21
  I'm
• 2:22
  really
• 2:22
  struggling.
• 2:23
  My
• 2:23
  child
• 2:24
  was
• 2:24
  using
• 2:24
  their
• 2:24
  phone,
• 2:25
  doing
• 2:25
  what
• 2:26
  kids
• 2:26
  do
• 2:26
  online,
• 2:27
  streaming
• 2:28
  videos,
• 2:29
  games,
• 2:29
  apps.
• 2:30
  I
• 2:31
  thought
• 2:31
  they
• 2:31
  were
• 2:31
  on
• 2:31
  our
• 2:32
  family
• 2:32
  plan,
• 2:32
  covered
• 2:33
  under
• 2:33
  the
• 2:33
  data.
• 2:35
  Turns
• 2:35
  out
• 2:35
  they'd
• 2:36
  somehow
• 2:36
  enabled
• 2:37
  international
• 2:37
  roaming
• 2:38
  without
• 2:38
  me
• 2:38
  knowing,
• 2:39
  and
• 2:40
  they
• 2:40
  just
• 2:41
  kept
• 2:41
  using
• 2:41
  it
• 2:42
  for
• 2:43
  weeks.
• 2:44
  I
• 2:44
  just
• 2:45
  got
• 2:45
  hit
• 2:45
  with
• 2:45
  a
• 2:45
  $5,000
• 2:47
  phone
• 2:47
  bill,
• 2:48
  and
• 2:48
  when
• 2:48
  I
• 2:48
  realized
• 2:49
  what
• 2:49
  happened,
• 2:50
  I
• 2:50
  felt
• 2:50
  sick.
• 2:52
  It
• 2:52
  was
• 2:52
  supposed
• 2:53
  to
• 2:53
  be
• 2:53
  a
• 2:53
  normal
• 2:54
  month,
• 2:54
  and
• 2:54
  now
• 2:55
  I'm
• 2:55
  staring
• 2:55
  at
• 2:55
  a
• 2:56
  number
• 2:56
  I
• 2:56
  don't
• 2:56
  even
• 2:57
  have
• 2:57
  in
• 2:57
  savings.
• 2:58
  I
• 2:59
  keep
• 2:59
  going
• 2:59
  back
• 2:59
  and
• 2:59
  forth
• 3:00
  between
• 3:00
  panic
• 3:01
  and
• 3:01
  trying
• 3:01
  to
• 3:01
  stay
• 3:02
  calm,
• 3:03
  but
• 3:03
  honestly,
• 3:04
  it
• 3:04
  feels
• 3:04
  unfair
• 3:05
  and
• 3:05
  it's
• 3:06
  shaking
• 3:06
  me.
• 3:07
  Part
• 3:08
  of
• 3:08
  me
• 3:08
  feels
• 3:08
  like
• 3:08
  one
• 3:09
  mistake
• 3:09
  just
• 3:10
  set
• 3:10
  us
• 3:10
  back
• 3:10
  in
• 3:10
  a
• 3:11
  big
• 3:11
  way.
• 3:12
  I
• 3:12
  don't
• 3:12
  want
• 3:13
  to
• 3:13
  spiral.
• 3:14
  I
• 3:14
  don't
• 3:14
  want
• 3:14
  to
• 3:14
  make
• 3:14
  things
• 3:15
  worse
• 3:15
  out
• 3:15
  of
• 3:15
  fear,
• 3:16
  but
• 3:17
  I
• 3:17
  feel
• 3:17
  like
• 3:17
  I'm
• 3:17
  right
• 3:18
  on
• 3:18
  the
• 3:18
  edge
• 3:18
  of
• 3:18
  it.
• 3:19
  How
• 3:20
  do
• 3:20
  I
• 3:20
  handle
• 3:21
  something
• 3:21
  like
• 3:21
  this
• 3:21
  without
• 3:22
  falling
• 3:22
  apart
• 3:23
  financially
• 3:23
  and
• 3:23
  emotionally?
• 3:25
  I
• 3:25
  really
• 3:26
  need
• 3:26
  to
• 3:26
  hear
• 3:26
  from
• 3:26
  you
• 3:27
  on
• 3:27
  this,
• 3:27
  Ralph.
• 3:29
  Wow.
• 3:30
  You
• 3:30
  know
• 3:30
  what?
• 3:31
  I'm
• 3:31
  almost
• 3:31
  speechless.
• 3:32
  I
• 3:32
  got
• 3:33
  to
• 3:33
  listen
• 3:33
  to
• 3:33
  this
• 3:33
  before
• 3:34
  we
• 3:34
  recorded
• 3:34
  today,
• 3:35
  but,
• 3:36
  wow,
• 3:36
  I
• 3:36
  don't
• 3:36
  even
• 3:37
  know
• 3:37
  where
• 3:37
  to
• 3:37
  start
• 3:37
  here.
• 3:38
  First
• 3:38
  of
• 3:38
  all,
• 3:39
  thank
• 3:39
  you
• 3:39
  for
• 3:39
  being
• 3:39
  honest.
• 3:41
  And
• 3:41
  this
• 3:41
  isn't
• 3:41
  just
• 3:42
  a
• 3:42
  money
• 3:42
  problem.
• 3:43
  I
• 3:43
  just
• 3:43
  think
• 3:44
  about
• 3:44
  the
• 3:44
  shock
• 3:44
  of
• 3:45
  this.
• 3:45
  The
• 3:46
  shock
• 3:46
  of
• 3:46
  that
• 3:46
  has
• 3:46
  got
• 3:47
  to
• 3:47
  feel
• 3:47
  so
• 3:47
  overwhelming.
• 3:49
  I
• 3:49
  almost
• 3:49
  didn't
• 3:49
  believe
• 3:50
  it
• 3:50
  when
• 3:50
  I
• 3:50
  heard
• 3:50
  it.
• 3:51
  And
• 3:52
  you
• 3:52
  were
• 3:52
  expecting
• 3:52
  a
• 3:53
  normal
• 3:53
  month
• 3:53
  and
• 3:53
  suddenly
• 3:54
  everything
• 3:54
  has
• 3:54
  changed.
• 3:56
  And
• 3:56
  I
• 3:57
  think
• 3:57
  about
• 3:57
  myself,
• 3:58
  my
• 3:58
  mind
• 3:58
  would
• 3:58
  be
• 3:58
  racing
• 3:59
  as
• 3:59
  well.
• 3:59
  What's
• 3:59
  the
• 3:59
  worst
• 4:00
  possible
• 4:00
  scenarios
• 4:01
  here?
• 4:02
  But
• 4:02
  I
• 4:03
  think
• 4:03
  we
• 4:03
  need
• 4:03
  to
• 4:03
  slow
• 4:03
  down
• 4:04
  here
• 4:04
  for
• 4:04
  a
• 4:04
  second.
• 4:05
  We
• 4:06
  got
• 4:06
  to
• 4:06
  look
• 4:06
  at
• 4:06
  solving
• 4:07
  this
• 4:07
  problem
• 4:07
  instead
• 4:08
  of
• 4:08
  panicking.
• 4:08
  I
• 4:08
  know
• 4:09
  it's
• 4:09
  real
• 4:09
  easy
• 4:09
  for
• 4:09
  me
• 4:09
  to
• 4:09
  say
• 4:10
  that
• 4:10
  because
• 4:10
  I'm
• 4:10
  not
• 4:10
  living
• 4:11
  in
• 4:11
  that.
• 4:12
  But
• 4:13
  friend,
• 4:13
  that
• 4:13
  feeling
• 4:14
  of
• 4:14
  being
• 4:14
  right
• 4:14
  on
• 4:14
  the
• 4:14
  edge
• 4:15
  is
• 4:15
  real.
• 4:16
  And
• 4:16
  like
• 4:17
  I
• 4:17
  said,
• 4:17
  it's
• 4:17
  not
• 4:17
  about
• 4:17
  money.
• 4:18
  It's
• 4:18
  about
• 4:18
  shock.
• 4:19
  It's
• 4:19
  interruption.
• 4:21
  It's
• 4:21
  that
• 4:22
  feeling
• 4:22
  of
• 4:22
  something
• 4:22
  changed
• 4:23
  without
• 4:23
  warning,
• 4:23
  something
• 4:24
  you
• 4:24
  weren't
• 4:24
  even
• 4:24
  expecting.
• 4:26
  And
• 4:27
  now
• 4:27
  your
• 4:27
  mind
• 4:27
  is
• 4:27
  racing.
• 4:29
  But
• 4:29
  before
• 4:29
  we
• 4:30
  fix
• 4:30
  anything,
• 4:30
  we
• 4:31
  need
• 4:31
  to
• 4:31
  steady
• 4:31
  ourselves
• 4:33
  because
• 4:33
  here's
• 4:33
  the
• 4:33
  thing.
• 4:34
  Panic
• 4:34
  is
• 4:34
  not
• 4:35
  going
• 4:35
  to
• 4:35
  lead
• 4:35
  us
• 4:35
  to
• 4:35
  wise
• 4:36
  decisions.
• 4:39
  What
• 4:39
  I
• 4:39
  found
• 4:40
  in
• 4:40
  my
• 4:40
  life.
• 4:42
  Financial
• 4:42
  shocks
• 4:43
  usually
• 4:43
  feel
• 4:43
  overwhelming
• 4:44
  because
• 4:44
  they
• 4:44
  hit
• 4:45
  us
• 4:45
  all
• 4:45
  at
• 4:45
  once.
• 4:46
  You've
• 4:47
  got
• 4:47
  the
• 4:47
  definition
• 4:47
  of
• 4:47
  this.
• 4:48
  I
• 4:48
  still
• 4:48
  can't
• 4:48
  even
• 4:49
  fathom
• 4:49
  the
• 4:49
  amount
• 4:49
  of
• 4:50
  money
• 4:50
  you're
• 4:50
  talking
• 4:50
  about.
• 4:52
  And
• 4:52
  that
• 4:52
  whole
• 4:52
  situation
• 4:53
  can
• 4:53
  feel
• 4:54
  impossible.
• 4:56
  But
• 4:56
  most
• 4:56
  financial
• 4:57
  shocks
• 4:57
  become
• 4:57
  more
• 4:58
  manageable
• 4:58
  when
• 4:58
  they're
• 4:59
  broken
• 4:59
  into
• 4:59
  steps.
• 5:00
  I'm
• 5:00
  a
• 5:00
  big
• 5:00
  believer
• 5:01
  in
• 5:01
  step
• 5:01
  one,
• 5:01
  step
• 5:02
  two.
• 5:03
  And
• 5:04
  that
• 5:04
  number
• 5:04
  you
• 5:04
  see
• 5:04
  in
• 5:05
  right
• 5:05
  now
• 5:05
  is
• 5:05
  not
• 5:05
  always
• 5:05
  the
• 5:06
  final
• 5:06
  outcome.
• 5:06
  It's
• 5:07
  real
• 5:07
  easy
• 5:07
  to
• 5:07
  feel
• 5:08
  like
• 5:08
  that.
• 5:09
  But
• 5:09
  we've
• 5:10
  got
• 5:10
  to
• 5:10
  build
• 5:10
  a
• 5:10
  calm,
• 5:11
  intentional
• 5:11
  response
• 5:12
  rather
• 5:12
  than
• 5:12
  reaching
• 5:13
  out
• 5:13
  in
• 5:13
  fear
• 5:14
  and
• 5:14
  reacting.
• 5:15
  The
• 5:16
  goal
• 5:16
  is
• 5:16
  not
• 5:16
  to
• 5:16
  fix
• 5:16
  everything
• 5:17
  immediately.
• 5:18
  The
• 5:18
  goal
• 5:18
  is
• 5:18
  to
• 5:18
  stabilize
• 5:19
  the
• 5:19
  situation.
• 5:22
  So
• 5:22
  how
• 5:22
  do
• 5:22
  we
• 5:23
  handle
• 5:23
  a
• 5:23
  financial
• 5:24
  shock
• 5:24
  like
• 5:24
  this
• 5:24
  without
• 5:25
  spiraling
• 5:25
  financially
• 5:26
  and
• 5:26
  emotionally?
• 5:28
  That's
• 5:28
  where
• 5:28
  I
• 5:28
  want
• 5:28
  to
• 5:29
  walk
• 5:29
  you
• 5:29
  through
• 5:29
  my
• 5:29
  faithful
• 5:30
  framework.
• 5:30
  This
• 5:31
  faithful
• 5:31
  framework
• 5:32
  is
• 5:32
  perfect
• 5:33
  for
• 5:33
  today
• 5:34
  because
• 5:34
  each
• 5:34
  letter
• 5:35
  is
• 5:35
  going
• 5:35
  to
• 5:35
  give
• 5:35
  you
• 5:35
  a
• 5:35
  clear
• 5:36
  point.
• 5:36
  So
• 5:36
  let's
• 5:36
  jump
• 5:36
  right
• 5:37
  into
• 5:37
  it
• 5:38
  with
• 5:38
  F.
• 5:38
  Face
• 5:39
  reality,
• 5:39
  awareness.
• 5:41
  Your
• 5:42
  reality
• 5:42
  is
• 5:43
  very
• 5:43
  clear.
• 5:44
  You're
• 5:45
  in
• 5:45
  a
• 5:45
  state
• 5:45
  of
• 5:45
  financial
• 5:46
  shock.
• 5:47
  And
• 5:47
  when
• 5:48
  you
• 5:48
  live
• 5:48
  in
• 5:48
  that
• 5:48
  state
• 5:49
  of
• 5:49
  financial
• 5:49
  shock,
• 5:49
  of
• 5:50
  course
• 5:50
  you're
• 5:50
  going
• 5:50
  to
• 5:51
  think
• 5:51
  the
• 5:51
  worst
• 5:51
  case,
• 5:52
  oh,
• 5:53
  this
• 5:53
  is
• 5:53
  going
• 5:53
  to
• 5:53
  destroy.
• 5:54
  We're
• 5:54
  not
• 5:54
  going
• 5:54
  to
• 5:54
  be
• 5:54
  able
• 5:55
  to
• 5:55
  make
• 5:55
  it.
• 5:55
  We're
• 5:55
  going
• 5:55
  to
• 5:55
  lose
• 5:56
  everything.
• 5:57
  But
• 5:57
  friend,
• 5:58
  I
• 5:58
  want
• 5:58
  to
• 5:58
  tell
• 5:58
  you
• 5:58
  the
• 5:58
  first
• 5:59
  step
• 5:59
  is
• 5:59
  not
• 5:59
  to
• 5:59
  panic.
• 6:00
  The
• 6:01
  first
• 6:01
  step
• 6:01
  is
• 6:01
  to
• 6:01
  get
• 6:02
  some
• 6:02
  clarity.
• 6:02
  You've
• 6:03
  got
• 6:03
  to
• 6:03
  get
• 6:03
  the
• 6:03
  actual
• 6:04
  numbers.
• 6:05
  Understand
• 6:06
  what
• 6:06
  happened.
• 6:07
  Now
• 6:08
  you've
• 6:08
  told
• 6:08
  me
• 6:08
  you've
• 6:08
  got
• 6:09
  this
• 6:09
  bill,
• 6:09
  but
• 6:09
  is
• 6:09
  it
• 6:09
  really
• 6:10
  final?
• 6:11
  Is
• 6:11
  it
• 6:11
  adjustable?
• 6:12
  Can
• 6:12
  you
• 6:12
  dispute
• 6:13
  it?
• 6:13
  Maybe
• 6:13
  it's
• 6:14
  payable
• 6:14
  over
• 6:14
  time.
• 6:16
  Right
• 6:16
  now
• 6:16
  you're
• 6:16
  living
• 6:17
  in
• 6:17
  fear,
• 6:17
  but
• 6:18
  you've
• 6:18
  got
• 6:18
  to
• 6:18
  separate
• 6:19
  that.
• 6:20
  So
• 6:20
  ask
• 6:20
  yourself
• 6:20
  what
• 6:21
  actually
• 6:21
  Happened.
• 6:22
  What's
• 6:22
  the
• 6:22
  real
• 6:23
  amount
• 6:23
  due?
• 6:24
  What
• 6:24
  do
• 6:24
  we
• 6:25
  know
• 6:25
  for
• 6:25
  sure?
• 6:26
  Have
• 6:26
  you
• 6:26
  confirmed
• 6:27
  the
• 6:27
  charges
• 6:27
  with
• 6:28
  the
• 6:28
  provider?
• 6:28
  Is
• 6:28
  there
• 6:29
  a
• 6:29
  dispute
• 6:29
  process?
• 6:31
  Is
• 6:31
  there
• 6:32
  room
• 6:32
  for
• 6:32
  adjustment?
• 6:33
  And
• 6:33
  what's
• 6:33
  the
• 6:33
  actual
• 6:34
  due
• 6:34
  date?
• 6:35
  Those
• 6:35
  facts
• 6:36
  bring
• 6:36
  this
• 6:36
  situation
• 6:37
  back
• 6:37
  into
• 6:37
  focus,
• 6:38
  because
• 6:38
  right
• 6:38
  now,
• 6:38
  your
• 6:39
  focus
• 6:39
  is
• 6:39
  all
• 6:39
  over
• 6:39
  the
• 6:39
  place.
• 6:40
  If
• 6:40
  you're
• 6:40
  watching
• 6:40
  me
• 6:40
  on
• 6:41
  video,
• 6:41
  my
• 6:41
  eyes
• 6:41
  went
• 6:42
  bugged
• 6:42
  out
• 6:42
  because
• 6:42
  I
• 6:42
  couldn't
• 6:43
  believe
• 6:43
  it.
• 6:44
  But
• 6:44
  fear
• 6:45
  makes
• 6:45
  it
• 6:45
  bigger
• 6:46
  and
• 6:46
  makes
• 6:46
  it
• 6:47
  feel
• 6:47
  bigger
• 6:47
  than
• 6:47
  it
• 6:47
  is.
• 6:47
  So
• 6:48
  we
• 6:48
  got
• 6:48
  to
• 6:48
  start
• 6:48
  there.
• 6:49
  Second
• 6:49
  thing
• 6:49
  we
• 6:49
  do
• 6:49
  to
• 6:50
  aim
• 6:50
  clearly,
• 6:50
  we
• 6:51
  got
• 6:51
  to
• 6:51
  build
• 6:51
  a
• 6:51
  vision.
• 6:53
  The
• 6:53
  goal
• 6:53
  right
• 6:53
  now
• 6:54
  is
• 6:54
  not
• 6:54
  to
• 6:54
  fix
• 6:55
  everything
• 6:55
  instantly.
• 6:56
  The
• 6:57
  goal
• 6:57
  right
• 6:57
  now
• 6:57
  is
• 6:57
  to
• 6:58
  stabilize
• 6:58
  the
• 6:58
  situation.
• 7:00
  Kind
• 7:00
  of
• 7:00
  like
• 7:00
  when
• 7:00
  you
• 7:00
  go
• 7:01
  to
• 7:01
  an
• 7:01
  er,
• 7:01
  you
• 7:01
  got
• 7:01
  to
• 7:02
  stabilize.
• 7:02
  You
• 7:02
  got
• 7:02
  to
• 7:02
  stop
• 7:03
  the
• 7:03
  bleeding.
• 7:04
  In
• 7:05
  a
• 7:05
  financial
• 7:05
  shock
• 7:06
  of
• 7:06
  any
• 7:07
  sort,
• 7:08
  the
• 7:08
  goal
• 7:09
  is
• 7:09
  to
• 7:09
  first
• 7:09
  be
• 7:10
  calm,
• 7:10
  control,
• 7:11
  and
• 7:12
  find
• 7:12
  direction.
• 7:13
  You
• 7:14
  don't
• 7:14
  need
• 7:14
  a
• 7:14
  perfect
• 7:14
  answer
• 7:15
  immediately.
• 7:16
  You
• 7:16
  just
• 7:16
  need
• 7:17
  the
• 7:17
  next
• 7:17
  steady
• 7:18
  step.
• 7:19
  And
• 7:19
  stabilizing
• 7:20
  means
• 7:20
  stopping
• 7:20
  the
• 7:21
  spiral
• 7:21
  before
• 7:21
  making
• 7:22
  worse
• 7:22
  decisions.
• 7:24
  And
• 7:25
  listen
• 7:25
  to
• 7:25
  me.
• 7:25
  You
• 7:25
  gotta
• 7:26
  move
• 7:26
  from
• 7:26
  panic
• 7:27
  to
• 7:27
  plan.
• 7:28
  You
• 7:28
  don't
• 7:28
  need
• 7:28
  the
• 7:29
  perfect
• 7:29
  solution
• 7:29
  today.
• 7:30
  You
• 7:30
  need
• 7:30
  a
• 7:31
  steady
• 7:31
  plan.
• 7:32
  But
• 7:32
  now
• 7:32
  we
• 7:32
  gotta
• 7:33
  talk
• 7:33
  about
• 7:33
  I.
• 7:33
  We
• 7:33
  gotta
• 7:34
  identify
• 7:34
  the
• 7:35
  timing
• 7:35
  and
• 7:35
  build
• 7:35
  a
• 7:36
  timeline.
• 7:37
  Not
• 7:37
  everything
• 7:37
  has
• 7:38
  to
• 7:38
  be
• 7:38
  solved
• 7:38
  at
• 7:38
  once.
• 7:39
  A
• 7:39
  financial
• 7:40
  shock
• 7:40
  makes
• 7:41
  everything
• 7:41
  feel
• 7:42
  urgent.
• 7:42
  That's
• 7:42
  why
• 7:42
  it's
• 7:43
  so
• 7:43
  painful.
• 7:44
  But
• 7:45
  not
• 7:45
  every
• 7:45
  part
• 7:45
  of
• 7:45
  the
• 7:46
  problem
• 7:46
  has
• 7:46
  the
• 7:46
  same
• 7:47
  timeline.
• 7:47
  Hey,
• 7:48
  first
• 7:48
  thing
• 7:48
  is
• 7:48
  take
• 7:49
  that
• 7:49
  phone
• 7:49
  away
• 7:49
  from
• 7:49
  the
• 7:50
  kid.
• 7:50
  For
• 7:50
  sure.
• 7:50
  Don't
• 7:51
  turn
• 7:51
  it
• 7:51
  off.
• 7:51
  That's
• 7:51
  number
• 7:52
  one
• 7:52
  thing.
• 7:52
  There's
• 7:52
  no
• 7:53
  timeline
• 7:53
  for
• 7:53
  that.
• 7:54
  Because
• 7:55
  some
• 7:55
  things
• 7:55
  need
• 7:55
  our
• 7:55
  attention
• 7:56
  today.
• 7:56
  That's
• 7:56
  one.
• 7:57
  But
• 7:58
  some
• 7:58
  things
• 7:58
  can
• 7:58
  wait.
• 8:00
  You've
• 8:00
  got
• 8:00
  to
• 8:01
  identify
• 8:01
  what
• 8:01
  actually
• 8:02
  has
• 8:02
  got
• 8:02
  to
• 8:02
  happen
• 8:03
  in
• 8:03
  first
• 8:03
  series
• 8:04
  of
• 8:04
  that.
• 8:05
  And
• 8:05
  when
• 8:06
  you
• 8:06
  do
• 8:06
  that,
• 8:06
  it
• 8:06
  prevents
• 8:07
  those
• 8:07
  emotional
• 8:07
  decisions.
• 8:09
  Ask
• 8:10
  yourself,
• 8:10
  when
• 8:10
  is
• 8:10
  this
• 8:10
  bill
• 8:11
  actually
• 8:11
  due?
• 8:12
  Is
• 8:12
  there
• 8:12
  a
• 8:13
  grace
• 8:13
  period?
• 8:14
  Can
• 8:14
  I
• 8:15
  pause
• 8:15
  payment
• 8:15
  while
• 8:16
  the
• 8:16
  amount
• 8:16
  is
• 8:16
  reviewed?
• 8:16
  Maybe
• 8:17
  you
• 8:17
  got
• 8:17
  to
• 8:17
  put
• 8:17
  a
• 8:17
  dispute
• 8:18
  in
• 8:18
  because
• 8:18
  I
• 8:18
  don't
• 8:18
  know
• 8:18
  about
• 8:19
  you,
• 8:19
  but
• 8:19
  if
• 8:19
  a
• 8:19
  kid's
• 8:20
  able
• 8:20
  to
• 8:20
  make
• 8:20
  this
• 8:20
  happen,
• 8:21
  I'll
• 8:21
  be
• 8:21
  asking
• 8:22
  questions
• 8:22
  of
• 8:22
  the
• 8:22
  provider.
• 8:23
  How
• 8:23
  does
• 8:23
  this
• 8:23
  happen?
• 8:25
  What
• 8:25
  happens
• 8:25
  if
• 8:25
  I
• 8:25
  call
• 8:26
  them
• 8:26
  today?
• 8:27
  You
• 8:28
  know
• 8:28
  what
• 8:28
  can
• 8:28
  wait?
• 8:28
  Until
• 8:29
  I
• 8:29
  have
• 8:29
  more
• 8:29
  information.
• 8:30
  What
• 8:31
  decision
• 8:31
  should
• 8:32
  I
• 8:32
  make
• 8:32
  while
• 8:32
  I'm
• 8:32
  panicking
• 8:33
  or
• 8:33
  should
• 8:34
  I
• 8:34
  not
• 8:34
  make
• 8:34
  while
• 8:34
  I'm
• 8:34
  panicking?
• 8:35
  Because
• 8:36
  when
• 8:36
  everything
• 8:36
  feels
• 8:37
  urgent,
• 8:37
  your
• 8:38
  mind
• 8:38
  loses
• 8:39
  clarity.
• 8:39
  You
• 8:39
  get
• 8:40
  in
• 8:40
  this
• 8:40
  weird,
• 8:40
  like,
• 8:40
  blinder
• 8:41
  thing.
• 8:42
  So
• 8:42
  you've
• 8:43
  got
• 8:43
  to
• 8:43
  separate
• 8:43
  what
• 8:44
  action
• 8:44
  is
• 8:44
  needed
• 8:44
  now
• 8:45
  from
• 8:45
  what
• 8:45
  can
• 8:45
  wait.
• 8:46
  But
• 8:46
  now
• 8:47
  we
• 8:47
  got
• 8:47
  to
• 8:47
  think
• 8:47
  of
• 8:47
  options.
• 8:48
  That's
• 8:48
  the
• 8:48
  T
• 8:48
  of
• 8:48
  this.
• 8:49
  We
• 8:49
  got
• 8:49
  a
• 8:49
  brainstorm,
• 8:50
  because
• 8:51
  right
• 8:51
  now,
• 8:51
  I
• 8:52
  sense
• 8:52
  it
• 8:52
  in
• 8:52
  your
• 8:52
  voice.
• 8:53
  You
• 8:53
  feel
• 8:53
  trapped
• 8:53
  by
• 8:54
  the
• 8:54
  amount
• 8:54
  of
• 8:54
  the
• 8:54
  bill
• 8:54
  and
• 8:55
  trust
• 8:55
  me,
• 8:55
  I'm
• 8:55
  right
• 8:55
  there
• 8:55
  with
• 8:55
  you.
• 8:56
  I'd
• 8:56
  be
• 8:56
  trapped
• 8:56
  too.
• 8:57
  But
• 8:57
  there
• 8:58
  are
• 8:58
  some
• 8:58
  options
• 8:59
  before
• 8:59
  paying
• 8:59
  the
• 9:00
  full
• 9:00
  amount.
• 9:01
  Honestly,
• 9:01
  the
• 9:02
  first
• 9:02
  thing
• 9:02
  I
• 9:02
  would
• 9:02
  do
• 9:02
  is
• 9:02
  contact
• 9:03
  a
• 9:03
  provider
• 9:03
  and
• 9:03
  say
• 9:04
  I'm
• 9:04
  disputing
• 9:04
  this.
• 9:05
  This
• 9:05
  doesn't
• 9:05
  make
• 9:05
  any
• 9:05
  sense.
• 9:06
  How
• 9:06
  does
• 9:06
  this
• 9:06
  even
• 9:06
  happen?
• 9:07
  Ask
• 9:08
  for
• 9:08
  an
• 9:08
  explanation,
• 9:09
  ask
• 9:09
  for
• 9:09
  a
• 9:10
  review.
• 9:10
  Ask
• 9:11
  them
• 9:11
  to
• 9:11
  adjust
• 9:11
  it,
• 9:12
  escalate
• 9:12
  it.
• 9:13
  Worst
• 9:13
  case
• 9:13
  scenario,
• 9:14
  ask
• 9:14
  them
• 9:14
  for
• 9:14
  a
• 9:15
  payment
• 9:15
  plan.
• 9:16
  But
• 9:16
  you
• 9:17
  got
• 9:17
  to
• 9:17
  stay
• 9:17
  calm
• 9:17
  and
• 9:18
  persistent.
• 9:19
  Don't
• 9:20
  assume
• 9:20
  there's
• 9:20
  no
• 9:20
  help
• 9:21
  available
• 9:21
  if
• 9:21
  you
• 9:21
  ask.
• 9:22
  A
• 9:22
  lot
• 9:22
  of
• 9:22
  people
• 9:22
  don't
• 9:22
  realize
• 9:23
  this.
• 9:23
  There
• 9:23
  are
• 9:24
  help.
• 9:24
  Call
• 9:24
  the
• 9:25
  phone
• 9:25
  provider.
• 9:26
  Ask
• 9:26
  for
• 9:26
  a
• 9:27
  breakdown.
• 9:28
  Ask
• 9:28
  whether
• 9:28
  they
• 9:28
  can
• 9:28
  be
• 9:29
  reviewed
• 9:29
  or
• 9:29
  even
• 9:29
  a
• 9:30
  one
• 9:30
  time
• 9:30
  courtesy
• 9:31
  adjustment.
• 9:32
  Ask
• 9:32
  whether
• 9:32
  the
• 9:32
  case
• 9:33
  can
• 9:33
  be
• 9:33
  escalated.
• 9:34
  Maybe
• 9:34
  they
• 9:34
  have
• 9:35
  a
• 9:35
  hardship
• 9:35
  or
• 9:35
  support
• 9:36
  options.
• 9:37
  Ask
• 9:38
  about
• 9:38
  a
• 9:38
  payment
• 9:38
  plan.
• 9:40
  And
• 9:40
  unfortunately,
• 9:41
  maybe
• 9:41
  you
• 9:41
  need
• 9:41
  to
• 9:41
  adjust
• 9:42
  some
• 9:42
  other
• 9:42
  household
• 9:43
  spending.
• 9:44
  But
• 9:44
  don't
• 9:44
  run
• 9:45
  out
• 9:45
  there
• 9:45
  and
• 9:45
  get
• 9:45
  some
• 9:45
  high
• 9:46
  interest
• 9:46
  rate.
• 9:46
  Quick
• 9:47
  fix
• 9:48
  and
• 9:48
  build
• 9:48
  some
• 9:49
  safeguards
• 9:49
  to
• 9:49
  prevent
• 9:49
  this
• 9:50
  from
• 9:50
  happening
• 9:50
  again.
• 9:50
  Like
• 9:50
  I
• 9:51
  say,
• 9:51
  yank
• 9:51
  that
• 9:51
  phone
• 9:52
  away
• 9:52
  from
• 9:52
  the
• 9:52
  kid.
• 9:53
  That
• 9:54
  first
• 9:54
  number
• 9:54
  you
• 9:54
  see
• 9:55
  is
• 9:55
  not
• 9:55
  always
• 9:55
  the
• 9:55
  final
• 9:56
  outcome.
• 9:56
  But
• 9:56
  now
• 9:56
  we
• 9:57
  got
• 9:57
  to
• 9:57
  go
• 9:57
  to
• 9:57
  H.
• 9:57
  We
• 9:57
  got
• 9:58
  to
• 9:58
  have
• 9:58
  a
• 9:58
  plan.
• 9:59
  Here's
• 9:59
  my
• 9:59
  recommended
• 10:00
  action
• 10:00
  plan
• 10:00
  for
• 10:01
  you.
• 10:01
  I'm
• 10:01
  going
• 10:01
  to
• 10:01
  be
• 10:01
  very
• 10:01
  specific
• 10:02
  today.
• 10:03
  Pause
• 10:04
  before
• 10:04
  you
• 10:04
  make
• 10:04
  any
• 10:05
  major
• 10:05
  financial
• 10:05
  decisions.
• 10:06
  Don't
• 10:06
  borrow,
• 10:07
  drain
• 10:07
  accounts
• 10:08
  or
• 10:08
  make
• 10:08
  any
• 10:08
  rushed
• 10:08
  payments,
• 10:09
  or
• 10:09
  why
• 10:09
  you're
• 10:10
  panicked.
• 10:10
  Second
• 10:10
  thing,
• 10:11
  call
• 10:11
  the
• 10:11
  provider.
• 10:12
  Ask
• 10:13
  them
• 10:13
  to
• 10:13
  really
• 10:13
  give
• 10:14
  you
• 10:14
  the
• 10:14
  background
• 10:14
  information.
• 10:15
  Ask
• 10:15
  for
• 10:16
  escalation,
• 10:17
  ask
• 10:17
  them
• 10:18
  about
• 10:18
  adjustments
• 10:18
  or
• 10:19
  payment
• 10:19
  options.
• 10:20
  But
• 10:21
  now
• 10:21
  you
• 10:21
  also
• 10:21
  have
• 10:21
  to
• 10:21
  protect
• 10:22
  your
• 10:22
  household
• 10:22
  from
• 10:22
  further
• 10:23
  damage.
• 10:23
  Like
• 10:23
  I
• 10:24
  said,
• 10:24
  take
• 10:24
  away
• 10:24
  that
• 10:25
  phone.
• 10:25
  Set
• 10:26
  some
• 10:26
  usage
• 10:26
  limits,
• 10:27
  some
• 10:27
  parental
• 10:27
  controls,
• 10:29
  add
• 10:29
  some
• 10:29
  account
• 10:30
  restrictions.
• 10:31
  It's
• 10:32
  also
• 10:32
  a
• 10:32
  great
• 10:32
  time
• 10:32
  to
• 10:33
  create
• 10:33
  a
• 10:33
  short
• 10:33
  term
• 10:33
  spending
• 10:34
  plan
• 10:35
  because
• 10:35
  you
• 10:35
  may
• 10:35
  have
• 10:35
  to
• 10:36
  pay
• 10:36
  this,
• 10:36
  you
• 10:36
  may
• 10:36
  have
• 10:36
  to
• 10:36
  pause
• 10:37
  some
• 10:37
  things.
• 10:37
  That
• 10:37
  vacation
• 10:38
  that
• 10:38
  you
• 10:38
  were
• 10:39
  hoping
• 10:39
  to
• 10:39
  take.
• 10:39
  It
• 10:39
  might
• 10:40
  be
• 10:40
  off
• 10:40
  the
• 10:40
  plate
• 10:40
  for
• 10:40
  a
• 10:40
  little
• 10:41
  bit
• 10:41
  right
• 10:41
  now,
• 10:42
  but
• 10:42
  avoid
• 10:42
  those
• 10:43
  high
• 10:43
  interest
• 10:43
  quick
• 10:43
  fixes.
• 10:45
  Right
• 10:45
  now
• 10:46
  you've
• 10:46
  got
• 10:46
  to
• 10:46
  think
• 10:46
  about
• 10:46
  in
• 10:47
  terms
• 10:47
  of
• 10:47
  containment.
• 10:48
  You're
• 10:49
  not
• 10:49
  trying
• 10:49
  to
• 10:49
  fix
• 10:49
  your
• 10:50
  entire
• 10:50
  financial
• 10:51
  life
• 10:51
  today.
• 10:52
  You
• 10:52
  got
• 10:52
  to
• 10:52
  stabilize
• 10:53
  this
• 10:53
  one
• 10:53
  moment,
• 10:54
  get
• 10:54
  the
• 10:54
  information
• 10:55
  and
• 10:55
  take
• 10:55
  the
• 10:56
  next
• 10:56
  wise
• 10:56
  step.
• 10:57
  Like
• 10:58
  I
• 10:58
  said,
• 10:58
  you
• 10:58
  got
• 10:58
  to
• 10:58
  stabilize
• 10:59
  the
• 10:59
  moment.
• 10:59
  But
• 11:00
  don't
• 11:00
  forget
• 11:00
  about
• 11:00
  the
• 11:00
  other
• 11:01
  effing
• 11:01
  faithful.
• 11:02
  And
• 11:02
  that's
• 11:03
  faith
• 11:03
  and
• 11:03
  surrender.
• 11:05
  A
• 11:05
  financial
• 11:06
  shock
• 11:06
  can
• 11:06
  bring
• 11:06
  frustration.
• 11:08
  It
• 11:08
  brings
• 11:08
  us
• 11:08
  guilt
• 11:09
  and
• 11:09
  fear.
• 11:09
  We
• 11:10
  want
• 11:10
  to
• 11:10
  blame
• 11:10
  everybody
• 11:12
  and
• 11:12
  you
• 11:12
  might
• 11:12
  be
• 11:13
  upset
• 11:13
  with
• 11:13
  the
• 11:13
  situation,
• 11:14
  you
• 11:14
  might
• 11:14
  be
• 11:14
  upset
• 11:15
  with
• 11:15
  yourselves,
• 11:15
  or
• 11:15
  maybe
• 11:15
  you're
• 11:16
  mad
• 11:16
  at
• 11:16
  your
• 11:16
  kids.
• 11:16
  I'd
• 11:17
  be
• 11:17
  mad
• 11:17
  at
• 11:17
  my
• 11:17
  Kids
• 11:17
  too,
• 11:18
  if
• 11:18
  that
• 11:18
  happened
• 11:18
  to
• 11:18
  me.
• 11:20
  And
• 11:20
  you
• 11:20
  may
• 11:20
  feel
• 11:20
  like
• 11:21
  one
• 11:21
  mistake
• 11:21
  changed
• 11:22
  everything,
• 11:24
  but
• 11:24
  friend,
• 11:24
  this
• 11:25
  moment
• 11:25
  doesn't
• 11:25
  define
• 11:26
  who
• 11:26
  you
• 11:26
  are.
• 11:28
  God's
• 11:28
  not
• 11:28
  waiting
• 11:29
  for
• 11:29
  you
• 11:29
  to
• 11:29
  return
• 11:29
  to
• 11:29
  him
• 11:30
  once
• 11:30
  you
• 11:30
  fix
• 11:30
  everything.
• 11:32
  Here's
• 11:32
  the
• 11:32
  thing
• 11:32
  I
• 11:32
  love
• 11:33
  about
• 11:33
  our
• 11:33
  God.
• 11:33
  He
• 11:33
  meets
• 11:34
  us
• 11:34
  right
• 11:34
  in
• 11:34
  the
• 11:34
  middle
• 11:35
  of
• 11:35
  our
• 11:35
  stress.
• 11:36
  He
• 11:36
  encourages
• 11:37
  us
• 11:37
  with
• 11:37
  his
• 11:38
  grace
• 11:38
  and
• 11:38
  his
• 11:38
  steadiness
• 11:39
  and
• 11:39
  his
• 11:39
  prayer.
• 11:41
  I
• 11:41
  think
• 11:41
  one
• 11:42
  of
• 11:42
  the
• 11:42
  things
• 11:42
  that
• 11:42
  I
• 11:42
  would
• 11:42
  do
• 11:42
  right
• 11:42
  away
• 11:43
  is
• 11:43
  just
• 11:43
  reach
• 11:43
  up
• 11:43
  to
• 11:43
  the
• 11:43
  Lord,
• 11:44
  say,
• 11:44
  lord,
• 11:44
  I
• 11:44
  feel
• 11:44
  overwhelmed
• 11:45
  right
• 11:45
  now.
• 11:46
  Help
• 11:46
  me
• 11:46
  feel
• 11:47
  steady
• 11:47
  and
• 11:47
  trust
• 11:47
  you
• 11:48
  through
• 11:48
  this.
• 11:49
  And
• 11:49
  just
• 11:49
  remember,
• 11:50
  this
• 11:50
  moment
• 11:50
  doesn't
• 11:51
  define
• 11:51
  you.
• 11:52
  God
• 11:53
  meets
• 11:53
  you
• 11:53
  right
• 11:53
  here.
• 11:55
  But
• 11:55
  you
• 11:55
  also
• 11:55
  have
• 11:56
  to
• 11:56
  understand
• 11:56
  the
• 11:56
  progress
• 11:57
  that's
• 11:57
  the
• 11:57
  you
• 11:57
  of
• 11:58
  this
• 11:59
  progress.
• 11:59
  For
• 12:00
  you
• 12:00
  today
• 12:00
  might
• 12:00
  be
• 12:00
  making
• 12:00
  that
• 12:01
  phone
• 12:01
  call
• 12:01
  to
• 12:01
  the
• 12:01
  provider,
• 12:03
  asking
• 12:03
  for
• 12:03
  a
• 12:03
  review,
• 12:04
  getting
• 12:05
  the
• 12:05
  bill
• 12:05
  explained,
• 12:06
  setting
• 12:06
  up
• 12:06
  that
• 12:06
  payment
• 12:07
  plan.
• 12:08
  Maybe
• 12:08
  it's
• 12:09
  simple
• 12:09
  as
• 12:09
  I'm
• 12:09
  going
• 12:09
  to
• 12:09
  avoid
• 12:10
  a
• 12:10
  panic
• 12:10
  decision
• 12:10
  because
• 12:11
  you
• 12:11
  might
• 12:11
  say,
• 12:11
  well,
• 12:11
  I'm
• 12:11
  just
• 12:11
  going
• 12:11
  to
• 12:11
  write
• 12:12
  a
• 12:12
  check
• 12:12
  and
• 12:12
  pay
• 12:12
  it
• 12:12
  and
• 12:12
  be
• 12:12
  done.
• 12:13
  No,
• 12:13
  don't
• 12:13
  do
• 12:13
  that.
• 12:15
  Maybe
• 12:15
  it's
• 12:15
  choosing
• 12:16
  not
• 12:16
  to
• 12:16
  blame
• 12:16
  or
• 12:17
  shame
• 12:17
  somebody.
• 12:17
  Maybe
• 12:18
  your
• 12:18
  kid
• 12:18
  didn't
• 12:18
  even
• 12:18
  realize
• 12:18
  what
• 12:19
  they
• 12:19
  were
• 12:19
  doing.
• 12:19
  They
• 12:19
  just
• 12:20
  thought
• 12:20
  everything
• 12:20
  was
• 12:20
  fine
• 12:21
  on
• 12:21
  the
• 12:21
  phone.
• 12:22
  You
• 12:22
  can't
• 12:22
  just
• 12:22
  go
• 12:22
  at
• 12:22
  or
• 12:22
  snap
• 12:23
  on
• 12:23
  your
• 12:23
  kid
• 12:23
  because
• 12:23
  it
• 12:23
  might
• 12:23
  have
• 12:23
  been
• 12:24
  something
• 12:24
  they
• 12:24
  didn't
• 12:24
  realize.
• 12:25
  But
• 12:26
  don't
• 12:26
  let
• 12:26
  that
• 12:26
  negate
• 12:27
  creating
• 12:28
  a
• 12:28
  safeguard.
• 12:29
  Taking
• 12:30
  one
• 12:30
  stabilizing
• 12:31
  step
• 12:33
  and
• 12:33
  you
• 12:33
  might
• 12:34
  not
• 12:34
  be
• 12:34
  able
• 12:34
  to
• 12:34
  fix
• 12:34
  the
• 12:34
  whole
• 12:34
  problem
• 12:35
  today,
• 12:36
  but
• 12:36
  you
• 12:36
  can
• 12:37
  start
• 12:37
  to
• 12:37
  make
• 12:37
  it
• 12:37
  more
• 12:37
  manageable.
• 12:39
  Reduce
• 12:40
  that
• 12:40
  confusion,
• 12:40
  reduce
• 12:41
  that
• 12:41
  panic.
• 12:43
  Progress
• 12:43
  right
• 12:44
  now
• 12:44
  is
• 12:44
  not
• 12:44
  perfection,
• 12:45
  it's
• 12:45
  just
• 12:45
  movement.
• 12:45
  But
• 12:46
  then
• 12:46
  we
• 12:46
  got
• 12:46
  to
• 12:46
  look
• 12:46
  ahead.
• 12:48
  Once
• 12:48
  this
• 12:48
  immediate
• 12:49
  issue
• 12:49
  is
• 12:49
  handled,
• 12:50
  then
• 12:50
  you
• 12:50
  can
• 12:51
  look
• 12:51
  ahead.
• 12:52
  Don't
• 12:53
  punish
• 12:53
  yourself.
• 12:54
  Don't
• 12:54
  punish
• 12:54
  your
• 12:54
  child.
• 12:55
  Build
• 12:56
  the
• 12:56
  safeguards.
• 12:56
  Here's
• 12:57
  the
• 12:57
  thing
• 12:57
  about
• 12:57
  children.
• 12:57
  I
• 12:57
  got
• 12:58
  two
• 12:58
  kids,
• 12:58
  24
• 12:59
  and
• 12:59
  28.
• 13:00
  Kids
• 13:00
  are
• 13:00
  going
• 13:00
  to
• 13:01
  do
• 13:01
  dumb
• 13:01
  stuff.
• 13:02
  Kids
• 13:02
  are
• 13:02
  going
• 13:02
  to
• 13:03
  make
• 13:03
  mistakes.
• 13:04
  It's
• 13:05
  your
• 13:05
  role
• 13:05
  as
• 13:05
  a
• 13:05
  parent
• 13:06
  to
• 13:06
  build
• 13:06
  the
• 13:06
  safeguards.
• 13:07
  And
• 13:08
  this
• 13:08
  shock
• 13:08
  is
• 13:09
  going
• 13:09
  to
• 13:09
  reveal
• 13:09
  a
• 13:09
  gap
• 13:10
  that
• 13:10
  needs
• 13:10
  to
• 13:10
  be
• 13:10
  closed.
• 13:11
  Hey,
• 13:11
  listen,
• 13:11
  you're
• 13:12
  as
• 13:12
  much
• 13:12
  to
• 13:12
  blame
• 13:12
  as
• 13:13
  they
• 13:13
  are
• 13:13
  if
• 13:13
  this
• 13:13
  has
• 13:13
  happened.
• 13:16
  But
• 13:16
  it's
• 13:16
  also
• 13:17
  a
• 13:17
  good
• 13:17
  reason
• 13:17
  to
• 13:18
  build
• 13:18
  a
• 13:18
  strong
• 13:18
  emergency
• 13:19
  buffer.
• 13:21
  So
• 13:21
  maybe
• 13:21
  you
• 13:21
  add
• 13:22
  those
• 13:22
  phone
• 13:22
  usage
• 13:23
  alerts,
• 13:23
  set
• 13:23
  those
• 13:23
  parental
• 13:24
  controls,
• 13:25
  put
• 13:26
  those
• 13:26
  spending
• 13:26
  data
• 13:27
  limits
• 13:27
  in
• 13:27
  place.
• 13:28
  Great
• 13:28
  time
• 13:29
  to
• 13:29
  look
• 13:29
  at
• 13:29
  all
• 13:29
  the
• 13:29
  family
• 13:30
  device
• 13:30
  settings,
• 13:31
  build
• 13:31
  that
• 13:32
  emergency
• 13:32
  fund,
• 13:33
  maybe
• 13:33
  create
• 13:34
  what
• 13:34
  I
• 13:34
  call
• 13:34
  a
• 13:34
  financial
• 13:35
  shock
• 13:35
  plan
• 13:35
  for
• 13:36
  your
• 13:36
  household.
• 13:37
  But
• 13:37
  talk
• 13:38
  to
• 13:38
  the
• 13:38
  child
• 13:38
  calmly
• 13:39
  about
• 13:39
  what
• 13:39
  happened
• 13:40
  real
• 13:41
  easy.
• 13:41
  Like
• 13:41
  I
• 13:41
  put
• 13:42
  myself
• 13:42
  in
• 13:42
  your
• 13:42
  place.
• 13:42
  I'd
• 13:43
  be
• 13:43
  snapping
• 13:43
  on
• 13:44
  this
• 13:44
  kid
• 13:45
  it's
• 13:45
  probably
• 13:45
  not
• 13:46
  their
• 13:46
  fault,
• 13:47
  but
• 13:47
  decide
• 13:48
  what
• 13:48
  will
• 13:48
  be
• 13:48
  better
• 13:49
  the
• 13:49
  next
• 13:49
  time
• 13:49
  this
• 13:50
  happens.
• 13:51
  This
• 13:51
  moment
• 13:52
  doesn't
• 13:52
  have
• 13:52
  to
• 13:52
  break
• 13:53
  you.
• 13:53
  I
• 13:53
  know
• 13:53
  right
• 13:53
  now
• 13:54
  it
• 13:54
  feels
• 13:54
  like
• 13:54
  it's
• 13:54
  broken
• 13:55
  you.
• 13:56
  It
• 13:56
  can
• 13:56
  actually
• 13:57
  refine
• 13:57
  you
• 13:57
  and
• 13:57
  make
• 13:58
  you
• 13:58
  a
• 13:58
  stronger
• 13:58
  person.
• 14:00
  An
• 14:00
  unexpected
• 14:01
  expense
• 14:02
  is
• 14:02
  a
• 14:02
  disruption.
• 14:04
  It's
• 14:04
  not
• 14:04
  a
• 14:04
  definition
• 14:05
  of
• 14:05
  your
• 14:05
  financial
• 14:06
  future.
• 14:07
  So
• 14:07
  here's
• 14:08
  your
• 14:08
  win
• 14:08
  for
• 14:08
  today.
• 14:09
  I
• 14:09
  want
• 14:10
  you
• 14:10
  to
• 14:10
  make
• 14:10
  one
• 14:10
  stabilizing
• 14:11
  move.
• 14:11
  I
• 14:12
  want
• 14:12
  you
• 14:12
  to
• 14:12
  finish
• 14:12
  this
• 14:12
  sentence.
• 14:13
  Today
• 14:14
  I
• 14:14
  will
• 14:14
  blank
• 14:14
  to
• 14:15
  take
• 14:15
  control
• 14:15
  of
• 14:15
  the
• 14:15
  situation.
• 14:17
  Maybe
• 14:17
  today
• 14:17
  I'm
• 14:17
  going
• 14:18
  to
• 14:18
  call
• 14:18
  the
• 14:18
  provider.
• 14:19
  I'm
• 14:19
  going
• 14:19
  to
• 14:19
  ask
• 14:20
  for
• 14:20
  those
• 14:20
  charges
• 14:20
  to
• 14:21
  be
• 14:21
  reviewed.
• 14:22
  I'm
• 14:22
  going
• 14:22
  to
• 14:22
  request
• 14:22
  a
• 14:23
  payment
• 14:23
  plan,
• 14:23
  I'm
• 14:24
  going
• 14:24
  to
• 14:24
  set
• 14:24
  up
• 14:24
  those
• 14:24
  phone
• 14:25
  safeguards.
• 14:25
  Do
• 14:25
  that,
• 14:26
  please
• 14:27
  write
• 14:27
  down
• 14:27
  the
• 14:28
  real
• 14:28
  numbers,
• 14:29
  but
• 14:29
  pause
• 14:30
  before
• 14:30
  making
• 14:31
  any
• 14:31
  fear
• 14:31
  based
• 14:31
  decisions.
• 14:33
  Because
• 14:33
  just
• 14:34
  taking
• 14:34
  one
• 14:34
  step
• 14:34
  today
• 14:35
  can
• 14:35
  restore
• 14:35
  your
• 14:36
  direction
• 14:36
  and
• 14:37
  you'll
• 14:37
  start
• 14:37
  to
• 14:37
  build
• 14:37
  up
• 14:37
  that
• 14:38
  confidence
• 14:38
  in
• 14:38
  yourself.
• 14:40
  Well,
• 14:40
  I
• 14:40
  think
• 14:40
  we
• 14:41
  need
• 14:41
  some
• 14:41
  scripture
• 14:41
  today.
• 14:42
  Let's
• 14:42
  get
• 14:42
  to
• 14:42
  Philippians,
• 14:43
  chapter
• 14:43
  4,
• 14:44
  verses
• 14:44
  6
• 14:44
  and
• 14:45
  7
• 14:46
  says
• 14:46
  this.
• 14:46
  Be
• 14:47
  careful
• 14:47
  for
• 14:47
  nothing
• 14:48
  but
• 14:48
  in
• 14:49
  everything
• 14:49
  by
• 14:49
  prayer
• 14:50
  and
• 14:50
  supplication,
• 14:51
  with
• 14:51
  thanksgiving,
• 14:52
  let
• 14:52
  your
• 14:52
  requests
• 14:53
  be
• 14:53
  made
• 14:53
  known
• 14:54
  unto
• 14:54
  God.
• 14:55
  And
• 14:55
  the
• 14:55
  peace
• 14:56
  of
• 14:56
  God
• 14:57
  which
• 14:57
  passeth
• 14:58
  all
• 14:58
  understanding,
• 14:59
  shall
• 14:59
  keep
• 14:59
  your
• 15:00
  hearts
• 15:00
  and
• 15:01
  minds
• 15:01
  to
• 15:01
  Christ
• 15:02
  Jesus.
• 15:04
  Overwhelming
• 15:05
  moments
• 15:05
  are
• 15:06
  going
• 15:06
  to
• 15:06
  happen
• 15:06
  in
• 15:06
  your
• 15:06
  life.
• 15:08
  But
• 15:08
  the
• 15:08
  beauty
• 15:09
  of
• 15:09
  our
• 15:09
  God
• 15:09
  is
• 15:09
  we
• 15:10
  can
• 15:10
  invite
• 15:10
  him
• 15:10
  right
• 15:11
  into
• 15:11
  that.
• 15:12
  Bring
• 15:12
  it
• 15:12
  all
• 15:13
  to
• 15:13
  him
• 15:14
  and
• 15:14
  he'll
• 15:14
  give
• 15:14
  you
• 15:15
  peace
• 15:15
  in
• 15:15
  return.
• 15:16
  Let's
• 15:17
  pray
• 15:17
  together.
• 15:18
  Heavenly
• 15:19
  Father,
• 15:20
  we
• 15:20
  got
• 15:20
  a
• 15:20
  doozy
• 15:21
  today.
• 15:22
  So
• 15:22
  we
• 15:22
  lift
• 15:23
  up
• 15:23
  these
• 15:24
  folks
• 15:24
  who
• 15:24
  are
• 15:24
  facing
• 15:25
  unexpected
• 15:25
  financial
• 15:26
  pressures
• 15:26
  right
• 15:27
  now.
• 15:27
  You
• 15:27
  know
• 15:27
  who
• 15:27
  we
• 15:28
  are,
• 15:28
  Lord,
• 15:29
  you
• 15:29
  see
• 15:29
  our
• 15:30
  situations,
• 15:31
  you
• 15:31
  see
• 15:31
  our
• 15:32
  stress
• 15:32
  and
• 15:32
  you
• 15:32
  see
• 15:33
  the
• 15:33
  weight
• 15:33
  we're
• 15:33
  carrying.
• 15:34
  Lord,
• 15:35
  I
• 15:35
  just
• 15:35
  ask
• 15:35
  right
• 15:35
  now
• 15:36
  that
• 15:36
  you
• 15:36
  would
• 15:36
  bring
• 15:36
  calm
• 15:37
  to
• 15:37
  their
• 15:37
  minds
• 15:37
  and
• 15:38
  peace
• 15:38
  to
• 15:38
  their
• 15:38
  hearts.
• 15:40
  Help
• 15:40
  them
• 15:41
  to
• 15:41
  make
• 15:41
  steady,
• 15:42
  wise
• 15:42
  steps
• 15:42
  forward
• 15:43
  without
• 15:43
  panic
• 15:43
  and
• 15:44
  without
• 15:44
  fear.
• 15:45
  And
• 15:45
  Lord,
• 15:46
  just
• 15:46
  provide
• 15:46
  for
• 15:46
  them
• 15:47
  in
• 15:47
  ways
• 15:47
  that
• 15:47
  they
• 15:47
  may
• 15:48
  not
• 15:48
  even
• 15:48
  expect.
• 15:50
  Give
• 15:50
  them
• 15:50
  strength
• 15:50
  to
• 15:51
  handle
• 15:51
  what's
• 15:51
  right
• 15:51
  in
• 15:52
  front
• 15:52
  of
• 15:52
  them.
• 15:54
  And
• 15:54
  Lord,
• 15:54
  remind
• 15:54
  them
• 15:55
  that
• 15:55
  this
• 15:55
  moment
• 15:55
  doesn't
• 15:56
  define
• 15:56
  them
• 15:58
  and
• 15:58
  they're
• 15:58
  never
• 15:58
  alone
• 15:59
  in
• 15:59
  any
• 15:59
  of
• 15:59
  it.
• 16:01
  Guide
• 16:01
  them
• 16:01
  through
• 16:01
  this,
• 16:02
  one
• 16:02
  step
• 16:02
  at
• 16:03
  a
• 16:03
  time.
• 16:03
  Lord,
• 16:03
  in
• 16:04
  your
• 16:04
  perfect
• 16:04
  way.
• 16:05
  We
• 16:05
  ask
• 16:05
  this
• 16:06
  in
• 16:06
  Jesus
• 16:06
  name.
• 16:07
  Amen,
• 16:10
  friend.
• 16:10
  This
• 16:10
  might
• 16:10
  feel
• 16:11
  overwhelming,
• 16:12
  but
• 16:13
  you
• 16:13
  can
• 16:13
  make
• 16:13
  it
• 16:13
  through
• 16:14
  this
• 16:14
  one
• 16:14
  step
• 16:14
  at
• 16:14
  a
• 16:15
  time.
• 16:16
  That
• 16:16
  unexpected
• 16:17
  expense
• 16:17
  is
• 16:17
  a
• 16:17
  disruption,
• 16:19
  but
• 16:19
  it
• 16:19
  doesn't
• 16:20
  define
• 16:20
  your
• 16:20
  financial
• 16:21
  future.
• 16:23
  So
• 16:23
  today,
• 16:23
  make
• 16:23
  one
• 16:24
  stabilizing
• 16:24
  move.
• 16:25
  Call
• 16:25
  that
• 16:25
  provider,
• 16:26
  ask
• 16:26
  for
• 16:27
  a
• 16:27
  review,
• 16:27
  set
• 16:27
  up
• 16:28
  those
• 16:28
  safeguards,
• 16:29
  write
• 16:29
  down
• 16:29
  the
• 16:30
  real
• 16:30
  numbers.
• 16:31
  Just
• 16:32
  take
• 16:32
  one
• 16:32
  step
• 16:32
  that
• 16:33
  restores
• 16:33
  direction
• 16:35
  and
• 16:35
  your
• 16:35
  financial
• 16:36
  shock
• 16:36
  might
• 16:36
  be
• 16:37
  exactly
• 16:37
  what
• 16:37
  someone
• 16:37
  else
• 16:38
  needs
• 16:38
  to
• 16:38
  hear.
• 16:38
  Hey,
• 16:39
  if
• 16:39
  you
• 16:39
  heard
• 16:39
  nothing
• 16:39
  else
• 16:40
  today,
• 16:40
  check
• 16:40
  those
• 16:41
  safeguards
• 16:41
  on
• 16:41
  your
• 16:42
  phones.
• 16:43
  But
• 16:43
  maybe
• 16:43
  you're
• 16:44
  going
• 16:44
  through
• 16:44
  something
• 16:44
  yourself.
• 16:45
  I
• 16:45
  would
• 16:45
  love
• 16:45
  to
• 16:46
  hear
• 16:46
  from
• 16:46
  you.
• 16:46
  Go
• 16:47
  to
• 16:47
  financiallyconfidentchristian.com
• 16:50
  voicemail
• 16:51
  because
• 16:51
  your
• 16:51
  story
• 16:52
  today
• 16:52
  could
• 16:52
  be
• 16:52
  someone
• 16:52
  else's
• 16:53
  story
• 16:53
  on
• 16:54
  someone
• 16:54
  else's
• 16:54
  episode
• 16:55
  tomorrow.
• 16:56
  They
• 16:56
  might
• 16:56
  very
• 16:56
  well
• 16:57
  need
• 16:57
  what
• 16:57
  you
• 16:57
  have
• 16:57
  to
• 16:58
  say.
• 16:58
  So
• 16:58
  again,
• 16:58
  go
• 16:58
  to
• 16:59
  financiallyconfidentchristian.com
• 17:02
  voicemail
• 17:03
  thank
• 17:04
  you
• 17:04
  so
• 17:04
  much
• 17:04
  for
• 17:04
  joining
• 17:05
  me
• 17:05
  today.
• 17:05
  I
• 17:05
  told
• 17:06
  you
• 17:06
  it
• 17:06
  was
• 17:06
  a
• 17:07
  tough
• 17:07
  one
• 17:07
  today.
• 17:08
  Stay
• 17:08
  financially
• 17:09
  savvy.
• 17:09
  God
• 17:09
  bless
• 17:10
  you,
• 17:10
  and
• 17:10
  you
• 17:10
  have
• 17:11
  a
• 17:11
  great
• 17:11
  day
• 17:11
  today.