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Why Does Life Feel So Much More Expensive Right Now? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  had
• 0:38
  one
• 0:38
  of
• 0:38
  those
• 0:38
  moments
• 0:38
  lately
• 0:39
  where
• 0:39
  you
• 0:39
  look
• 0:39
  at
• 0:39
  the
• 0:40
  total
• 0:41
  and
• 0:41
  it
• 0:41
  honestly
• 0:41
  feels
• 0:42
  a
• 0:42
  little
• 0:42
  surreal?
• 0:43
  Not
• 0:44
  because
• 0:44
  you
• 0:44
  bought
• 0:44
  anything
• 0:44
  extravagant.
• 0:45
  You
• 0:46
  just
• 0:46
  bought
• 0:46
  some
• 0:46
  groceries,
• 0:47
  maybe
• 0:48
  filled
• 0:48
  up
• 0:48
  your
• 0:48
  gas
• 0:49
  tank,
• 0:49
  maybe
• 0:50
  had
• 0:50
  a
• 0:50
  meal
• 0:50
  out
• 0:50
  with
• 0:51
  the
• 0:51
  family,
• 0:52
  a
• 0:52
  few
• 0:52
  household
• 0:53
  basics,
• 0:54
  and
• 0:54
  somehow
• 0:55
  the
• 0:55
  number
• 0:55
  feels
• 0:56
  so
• 0:56
  much
• 0:56
  higher
• 0:56
  than
• 0:57
  it
• 0:57
  used
• 0:57
  to
• 0:57
  be.
• 0:58
  Well,
• 0:58
  guess
• 0:58
  what?
• 0:59
  You're
• 0:59
  not
• 0:59
  imagining
• 1:00
  it.
• 1:00
  And
• 1:00
  you're
• 1:01
  not
• 1:01
  weak.
• 1:02
  And
• 1:02
  you're
• 1:02
  definitely
• 1:03
  not
• 1:03
  the
• 1:03
  only
• 1:03
  one
• 1:03
  feeling
• 1:04
  the
• 1:04
  squeeze
• 1:04
  right
• 1:05
  now.
• 1:05
  When
• 1:06
  everyday
• 1:06
  life
• 1:06
  starts
• 1:07
  costing
• 1:07
  more,
• 1:08
  it
• 1:08
  doesn't
• 1:09
  just
• 1:09
  pressure
• 1:09
  your
• 1:09
  budget,
• 1:10
  it
• 1:10
  starts
• 1:11
  pressing
• 1:11
  on
• 1:11
  your
• 1:12
  peace.
• 1:13
  So
• 1:13
  what
• 1:13
  do
• 1:13
  you
• 1:13
  do
• 1:14
  when
• 1:14
  life
• 1:14
  feels
• 1:14
  noticeably
• 1:15
  more
• 1:15
  expensive
• 1:16
  and
• 1:17
  you're
• 1:17
  trying
• 1:17
  to
• 1:17
  stay
• 1:17
  wise
• 1:18
  without
• 1:18
  living
• 1:19
  in
• 1:19
  constant
• 1:20
  stress?
• 1:21
  That's
• 1:21
  exactly
• 1:21
  what
• 1:22
  we're
• 1:22
  breaking
• 1:22
  down
• 1:22
  on
• 1:23
  today's
• 1:23
  show.
• 1:32
  Hello,
• 1:33
  friend.
• 1:33
  I'm
• 1:33
  Ralph
• 1:33
  Estep
• 1:34
  Jr.
• 1:34
  And
• 1:35
  I
• 1:35
  want
• 1:35
  to
• 1:35
  welcome
• 1:35
  you
• 1:35
  to
• 1:36
  Financially
• 1:36
  Confident
• 1:37
  Christian.
• 1:38
  And
• 1:38
  if
• 1:38
  you've
• 1:39
  been
• 1:39
  feeling
• 1:39
  like
• 1:39
  normal,
• 1:40
  life
• 1:40
  just
• 1:40
  gotten
• 1:40
  more
• 1:41
  expensive
• 1:41
  almost
• 1:41
  overnight,
• 1:43
  you're
• 1:43
  not
• 1:43
  alone
• 1:43
  in
• 1:44
  that.
• 1:44
  A
• 1:44
  lot
• 1:45
  of
• 1:45
  people
• 1:45
  with
• 1:45
  decent
• 1:46
  incomes
• 1:46
  are
• 1:46
  asking
• 1:47
  that
• 1:47
  same
• 1:47
  question
• 1:48
  right
• 1:48
  now.
• 1:49
  How
• 1:49
  did
• 1:49
  basic
• 1:50
  living
• 1:50
  start
• 1:50
  feeling
• 1:51
  this
• 1:51
  tight?
• 1:52
  So
• 1:52
  today
• 1:53
  I
• 1:53
  want
• 1:53
  to
• 1:53
  talk
• 1:53
  about
• 1:53
  this
• 1:54
  cost
• 1:54
  of
• 1:54
  living
• 1:54
  squeeze.
• 1:55
  What's
• 1:55
  really
• 1:56
  happening
• 1:56
  emotionally
• 1:57
  and
• 1:57
  financially.
• 1:59
  But
• 1:59
  most
• 1:59
  of
• 1:59
  all,
• 1:59
  I
• 2:00
  want
• 2:00
  to
• 2:00
  talk
• 2:00
  about
• 2:00
  how
• 2:00
  you
• 2:01
  can
• 2:01
  respond
• 2:01
  with
• 2:01
  wisdom
• 2:02
  instead
• 2:03
  of
• 2:03
  panic.
• 2:04
  And
• 2:04
  this
• 2:04
  leads
• 2:04
  us
• 2:05
  to
• 2:05
  today's
• 2:05
  voicemail
• 2:06
  question.
• 2:07
  Hey,
• 2:07
  Ralph,
• 2:08
  I
• 2:08
  gotta
• 2:09
  ask
• 2:09
  you
• 2:09
  something
• 2:09
  because
• 2:09
  it's
• 2:10
  been
• 2:10
  bugging
• 2:10
  me.
• 2:11
  I
• 2:11
  feel
• 2:11
  like
• 2:12
  I'm
• 2:12
  losing
• 2:12
  my
• 2:12
  mind
• 2:13
  here.
• 2:15
  You
• 2:15
  know
• 2:15
  how
• 2:15
  like
• 2:16
  a
• 2:16
  couple
• 2:16
  years
• 2:17
  ago,
• 2:17
  groceries
• 2:18
  and
• 2:18
  rent
• 2:19
  and
• 2:19
  going
• 2:19
  out
• 2:19
  to
• 2:20
  eat,
• 2:20
  it
• 2:21
  was
• 2:21
  just
• 2:22
  normal,
• 2:23
  right?
• 2:24
  And
• 2:24
  now
• 2:24
  it's
• 2:25
  just
• 2:26
  feels
• 2:26
  like
• 2:26
  it
• 2:27
  hit
• 2:27
  all
• 2:27
  at
• 2:27
  once.
• 2:29
  Even
• 2:29
  people
• 2:29
  who
• 2:30
  are
• 2:30
  doing
• 2:30
  okay
• 2:30
  are
• 2:31
  just
• 2:31
  constantly
• 2:32
  pinching
• 2:32
  pennies.
• 2:33
  I
• 2:34
  mean,
• 2:34
  I
• 2:35
  catch
• 2:35
  myself
• 2:35
  before
• 2:36
  I
• 2:36
  buy
• 2:36
  stuff
• 2:37
  now
• 2:37
  that
• 2:37
  I
• 2:38
  used
• 2:38
  to
• 2:38
  just
• 2:38
  grab
• 2:39
  without
• 2:39
  thinking
• 2:39
  twice.
• 2:41
  It's
• 2:41
  weird.
• 2:43
  So
• 2:43
  I'm
• 2:43
  curious,
• 2:45
  like,
• 2:45
  am
• 2:46
  I
• 2:46
  the
• 2:46
  only
• 2:46
  one
• 2:46
  noticing
• 2:47
  this
• 2:48
  or
• 2:48
  are
• 2:48
  other
• 2:48
  people
• 2:49
  doing
• 2:49
  the
• 2:49
  same
• 2:49
  thing?
• 2:51
  What
• 2:51
  are
• 2:51
  people
• 2:51
  actually
• 2:51
  cutting
• 2:52
  back
• 2:52
  on
• 2:52
  to
• 2:53
  get
• 2:53
  by
• 2:53
  right
• 2:53
  now?
• 2:54
  I'd
• 2:55
  love
• 2:55
  to
• 2:55
  hear
• 2:55
  what's
• 2:55
  working
• 2:56
  for
• 2:56
  them
• 2:56
  because
• 2:57
  honestly,
• 2:57
  I'm
• 2:57
  running
• 2:57
  out
• 2:58
  of
• 2:58
  ideas.
• 2:59
  Thanks,
• 3:00
  Ralph.
• 3:01
  Really
• 3:01
  appreciate
• 3:01
  you
• 3:02
  and
• 3:03
  I
• 3:03
  appreciate
• 3:03
  you,
• 3:03
  and
• 3:03
  I
• 3:04
  truly
• 3:04
  appreciate
• 3:04
  this
• 3:05
  question
• 3:05
  because
• 3:05
  you're
• 3:06
  not
• 3:06
  alone
• 3:06
  on
• 3:06
  the
• 3:07
  island
• 3:07
  of
• 3:07
  stuff
• 3:07
  costing
• 3:08
  more.
• 3:09
  And
• 3:09
  what
• 3:09
  you're
• 3:09
  feeling
• 3:10
  today
• 3:10
  is
• 3:10
  real.
• 3:11
  And
• 3:12
  that's
• 3:12
  why
• 3:12
  we
• 3:12
  want
• 3:12
  to
• 3:12
  get
• 3:12
  into
• 3:13
  this,
• 3:13
  because
• 3:13
  why
• 3:14
  stewardship
• 3:14
  in
• 3:15
  an
• 3:15
  expensive
• 3:15
  season
• 3:16
  starts
• 3:17
  with
• 3:17
  honest
• 3:17
  adjustments
• 3:18
  and
• 3:18
  not
• 3:19
  shame.
• 3:19
  And
• 3:19
  that's
• 3:19
  what
• 3:19
  you're
• 3:19
  really
• 3:20
  asking
• 3:20
  me,
• 3:20
  Ralph.
• 3:20
  What
• 3:21
  are
• 3:21
  some
• 3:21
  honest
• 3:21
  adjustments
• 3:22
  I
• 3:22
  can
• 3:22
  make
• 3:23
  instead
• 3:23
  of
• 3:23
  living
• 3:24
  in
• 3:24
  this
• 3:24
  shame?
• 3:24
  So
• 3:25
  let's
• 3:25
  talk
• 3:25
  about
• 3:25
  this.
• 3:26
  The
• 3:26
  first
• 3:27
  step
• 3:27
  is
• 3:27
  to
• 3:27
  name
• 3:28
  what's
• 3:28
  happening
• 3:28
  without
• 3:29
  minimizing
• 3:29
  it.
• 3:30
  The
• 3:30
  first
• 3:31
  thing
• 3:31
  I
• 3:31
  want
• 3:31
  to
• 3:31
  say
• 3:31
  is
• 3:31
  pretty
• 3:32
  simple.
• 3:32
  Again,
• 3:33
  you're
• 3:33
  not
• 3:33
  imagining
• 3:34
  any
• 3:34
  of
• 3:35
  this.
• 3:35
  Many
• 3:36
  everyday
• 3:36
  costs
• 3:37
  really
• 3:37
  have
• 3:37
  gone
• 3:37
  up,
• 3:38
  and
• 3:38
  that's
• 3:39
  affecting
• 3:39
  people
• 3:40
  across
• 3:40
  all
• 3:41
  income
• 3:41
  levels.
• 3:41
  I
• 3:41
  like
• 3:42
  what
• 3:42
  you
• 3:42
  said
• 3:42
  in
• 3:42
  your
• 3:42
  voicemail
• 3:43
  there.
• 3:43
  It's
• 3:44
  affecting
• 3:44
  everything.
• 3:46
  And
• 3:46
  it
• 3:46
  isn't
• 3:46
  about
• 3:47
  being
• 3:47
  bad
• 3:47
  with
• 3:47
  money.
• 3:48
  That's
• 3:48
  not
• 3:48
  all
• 3:48
  we're
• 3:48
  talking
• 3:49
  about.
• 3:50
  Sometimes
• 3:50
  the
• 3:50
  math
• 3:51
  really
• 3:51
  did
• 3:51
  change.
• 3:52
  And
• 3:52
  when
• 3:53
  groceries
• 3:54
  and
• 3:54
  housing
• 3:55
  costs,
• 3:56
  insurance,
• 3:57
  utilities
• 3:58
  and
• 3:58
  transportation
• 3:59
  are
• 3:59
  all
• 4:00
  rising
• 4:00
  at
• 4:00
  once,
• 4:01
  it
• 4:01
  creates
• 4:01
  this
• 4:02
  pressure
• 4:02
  so
• 4:03
  fast.
• 4:04
  And
• 4:04
  that
• 4:04
  pressure
• 4:05
  can
• 4:05
  make
• 4:05
  you
• 4:05
  feel
• 4:05
  disoriented,
• 4:06
  especially
• 4:07
  if
• 4:07
  your
• 4:07
  income
• 4:08
  isn't
• 4:08
  rising
• 4:08
  at
• 4:09
  the
• 4:09
  same
• 4:09
  pace.
• 4:10
  Because
• 4:11
  sometimes
• 4:11
  financial
• 4:11
  stress
• 4:12
  isn't
• 4:12
  coming
• 4:12
  from
• 4:13
  reckless
• 4:13
  living
• 4:13
  at
• 4:13
  all.
• 4:14
  A
• 4:14
  lot
• 4:14
  of
• 4:14
  us
• 4:14
  want
• 4:15
  to
• 4:15
  say,
• 4:15
  well,
• 4:15
  that
• 4:15
  person's
• 4:16
  just
• 4:16
  living
• 4:16
  reckless.
• 4:17
  That's
• 4:18
  not
• 4:18
  what
• 4:18
  we're
• 4:18
  dealing
• 4:18
  with
• 4:19
  right
• 4:19
  now.
• 4:19
  It's
• 4:20
  coming
• 4:20
  from
• 4:20
  more
• 4:21
  expensive
• 4:21
  living
• 4:22
  in
• 4:22
  general.
• 4:23
  But
• 4:23
  here's
• 4:24
  how
• 4:24
  you
• 4:24
  have
• 4:24
  to
• 4:24
  combat
• 4:25
  that.
• 4:25
  You
• 4:25
  got
• 4:26
  to
• 4:26
  start
• 4:26
  by
• 4:26
  not
• 4:27
  letting
• 4:27
  rising
• 4:27
  costs
• 4:28
  quietly
• 4:28
  rewrite
• 4:29
  your
• 4:29
  habits
• 4:29
  without
• 4:30
  your
• 4:30
  consent.
• 4:31
  One
• 4:32
  of
• 4:32
  the
• 4:32
  hardest
• 4:32
  parts
• 4:33
  of
• 4:33
  inflation
• 4:34
  is
• 4:34
  that
• 4:34
  it
• 4:34
  sneaks
• 4:35
  into
• 4:35
  your
• 4:35
  normal
• 4:36
  routines.
• 4:37
  Those
• 4:37
  things
• 4:37
  that
• 4:38
  used
• 4:38
  to
• 4:38
  feel
• 4:38
  small
• 4:39
  and
• 4:39
  automatic
• 4:40
  suddenly
• 4:41
  become
• 4:41
  budget
• 4:42
  leaks
• 4:42
  right
• 4:42
  now.
• 4:43
  We
• 4:43
  talked
• 4:43
  about
• 4:43
  it
• 4:44
  a
• 4:44
  minute
• 4:44
  ago.
• 4:44
  Eating
• 4:45
  out
• 4:45
  those
• 4:46
  subscription
• 4:46
  renewals,
• 4:47
  convenience
• 4:48
  spending,
• 4:49
  those
• 4:49
  quick
• 4:49
  store
• 4:50
  runs.
• 4:50
  All
• 4:50
  of
• 4:51
  that's
• 4:51
  hitting
• 4:51
  harder
• 4:52
  right
• 4:52
  now.
• 4:53
  So
• 4:53
  this
• 4:53
  is
• 4:53
  the
• 4:54
  moment
• 4:54
  to
• 4:54
  pause
• 4:54
  and
• 4:55
  ask
• 4:55
  what
• 4:56
  still
• 4:56
  fits
• 4:56
  this
• 4:56
  season?
• 4:57
  And
• 4:58
  unfortunately,
• 4:58
  what
• 4:59
  needs
• 4:59
  to
• 4:59
  change?
• 5:00
  But
• 5:00
  we
• 5:00
  have
• 5:00
  to
• 5:01
  embrace
• 5:01
  the
• 5:01
  fact
• 5:01
  that
• 5:02
  this
• 5:02
  isn't
• 5:02
  failure,
• 5:03
  this
• 5:04
  is
• 5:04
  stewardship.
• 5:05
  Because
• 5:05
  even
• 5:06
  in
• 5:06
  proverbs,
• 5:07
  it
• 5:07
  teaches
• 5:07
  us
• 5:07
  to
• 5:08
  live
• 5:08
  with
• 5:08
  wisdom
• 5:09
  and
• 5:09
  attention
• 5:10
  and.
• 5:10
  And
• 5:10
  not
• 5:10
  drift
• 5:11
  and
• 5:11
  denial.
• 5:12
  Because
• 5:13
  if
• 5:13
  the
• 5:13
  seasons
• 5:14
  changed,
• 5:14
  your
• 5:15
  spending
• 5:15
  plan
• 5:15
  may
• 5:16
  need
• 5:16
  to
• 5:16
  change
• 5:16
  as
• 5:17
  well.
• 5:17
  Let's
• 5:18
  get
• 5:18
  into
• 5:18
  some
• 5:18
  practical
• 5:19
  adjustments
• 5:19
  where
• 5:20
  they
• 5:20
  actually
• 5:20
  matter.
• 5:21
  Here's
• 5:21
  what
• 5:21
  my
• 5:22
  recommendation
• 5:22
  is.
• 5:23
  Start
• 5:23
  with
• 5:23
  the
• 5:24
  categories
• 5:24
  that
• 5:24
  usually
• 5:25
  move
• 5:25
  the
• 5:25
  most.
• 5:26
  We
• 5:26
  talked
• 5:26
  about
• 5:26
  this
• 5:27
  a
• 5:27
  minute
• 5:27
  ago.
• 5:27
  Groceries.
• 5:28
  That's
• 5:28
  a
• 5:28
  big
• 5:29
  one.
• 5:29
  I
• 5:29
  went
• 5:29
  to
• 5:29
  the
• 5:29
  grocery
• 5:30
  store
• 5:30
  last
• 5:30
  week.
• 5:31
  I
• 5:31
  was
• 5:31
  amazed
• 5:32
  at
• 5:32
  how
• 5:33
  much
• 5:33
  stuff
• 5:33
  costs.
• 5:34
  Now,
• 5:34
  that's
• 5:34
  one
• 5:35
  of
• 5:35
  the
• 5:35
  main
• 5:35
  categories.
• 5:35
  So
• 5:36
  where
• 5:36
  can
• 5:36
  you
• 5:36
  spend
• 5:37
  less
• 5:37
  money
• 5:37
  there?
• 5:38
  Where
• 5:38
  can
• 5:38
  you
• 5:38
  make
• 5:38
  some
• 5:38
  better
• 5:39
  decisions?
• 5:40
  Another
• 5:40
  one
• 5:40
  is
• 5:40
  housing.
• 5:41
  Housing
• 5:42
  has
• 5:42
  gotten
• 5:42
  more
• 5:42
  expensive.
• 5:43
  Gas
• 5:44
  has
• 5:44
  gotten
• 5:44
  more
• 5:44
  expensive.
• 5:45
  Especially
• 5:45
  right
• 5:45
  now,
• 5:46
  as
• 5:46
  I'm
• 5:46
  recording
• 5:47
  this,
• 5:47
  we're
• 5:47
  still
• 5:47
  dealing
• 5:48
  with
• 5:48
  the
• 5:48
  situation
• 5:49
  in
• 5:49
  Iran,
• 5:49
  and
• 5:50
  that's
• 5:50
  causing
• 5:50
  gas
• 5:51
  prices
• 5:51
  to
• 5:51
  go
• 5:51
  up.
• 5:52
  Insurance
• 5:53
  has
• 5:53
  gone
• 5:53
  up.
• 5:54
  I
• 5:54
  see
• 5:54
  insurance
• 5:55
  going
• 5:55
  up
• 5:55
  across
• 5:55
  the
• 5:55
  board,
• 5:56
  both
• 5:56
  homeowners
• 5:57
  insurance.
• 5:57
  I
• 5:58
  see
• 5:58
  it
• 5:58
  with
• 5:58
  driving
• 5:59
  insurance
• 5:59
  or
• 5:59
  car
• 6:00
  insurance.
• 6:01
  Even
• 6:01
  some
• 6:01
  life
• 6:01
  insurance
• 6:02
  policies
• 6:02
  are
• 6:02
  higher
• 6:03
  now.
• 6:03
  And
• 6:03
  of
• 6:03
  course,
• 6:04
  don't
• 6:04
  miss
• 6:04
  this
• 6:04
  One,
• 6:05
  eating
• 6:05
  out
• 6:05
  got
• 6:05
  more
• 6:06
  expensive.
• 6:07
  Of
• 6:07
  course
• 6:07
  eating
• 6:07
  out
• 6:07
  got
• 6:08
  more
• 6:08
  expensive
• 6:08
  because
• 6:09
  the
• 6:09
  components
• 6:09
  to
• 6:10
  that,
• 6:10
  the
• 6:10
  labor
• 6:10
  cost
• 6:11
  of
• 6:11
  that
• 6:11
  has
• 6:11
  all
• 6:12
  gotten
• 6:12
  more
• 6:12
  expensive.
• 6:13
  So
• 6:13
  here's
• 6:14
  what
• 6:14
  I
• 6:14
  want
• 6:14
  you
• 6:14
  to
• 6:14
  do.
• 6:15
  Look
• 6:15
  for
• 6:15
  recurring
• 6:16
  expenses
• 6:17
  before
• 6:17
  you
• 6:18
  obsess
• 6:18
  over
• 6:18
  those
• 6:19
  tiny
• 6:19
  one
• 6:19
  time
• 6:20
  purchases.
• 6:20
  It's
• 6:21
  real
• 6:21
  easy
• 6:21
  to
• 6:21
  look
• 6:22
  through
• 6:22
  your
• 6:22
  money
• 6:22
  and
• 6:23
  say,
• 6:23
  oh,
• 6:23
  I
• 6:23
  spent
• 6:23
  this,
• 6:24
  I
• 6:24
  spent
• 6:24
  that.
• 6:25
  But
• 6:25
  where
• 6:25
  most
• 6:25
  of
• 6:26
  the
• 6:26
  time
• 6:26
  the
• 6:26
  leaks
• 6:26
  are
• 6:27
  coming
• 6:27
  from
• 6:27
  are
• 6:27
  those
• 6:28
  recurring
• 6:28
  expenses
• 6:29
  that
• 6:29
  just
• 6:29
  keep
• 6:30
  happening
• 6:31
  over
• 6:31
  and
• 6:31
  over.
• 6:32
  Here's
• 6:32
  some
• 6:32
  adjustments
• 6:33
  that
• 6:33
  people
• 6:33
  are
• 6:34
  making
• 6:34
  right
• 6:34
  now.
• 6:35
  Maybe
• 6:35
  do
• 6:35
  some
• 6:36
  meal
• 6:36
  planning
• 6:36
  more
• 6:37
  intentionally
• 6:38
  since
• 6:38
  the
• 6:38
  cost
• 6:39
  of
• 6:39
  groceries
• 6:40
  is
• 6:40
  higher.
• 6:41
  You
• 6:41
  got
• 6:41
  to
• 6:41
  be
• 6:41
  more
• 6:42
  intentional
• 6:42
  now
• 6:43
  in
• 6:43
  your
• 6:43
  decisions
• 6:44
  about
• 6:44
  planning
• 6:45
  your
• 6:45
  meals.
• 6:46
  You
• 6:46
  might
• 6:46
  just
• 6:47
  have
• 6:47
  to
• 6:47
  reduce
• 6:47
  some
• 6:47
  takeout
• 6:48
  costs
• 6:48
  right
• 6:48
  now.
• 6:48
  It
• 6:49
  just
• 6:49
  costs
• 6:49
  more
• 6:49
  right
• 6:50
  now.
• 6:50
  Shopping
• 6:51
  with
• 6:51
  a
• 6:51
  list
• 6:51
  is
• 6:52
  another
• 6:52
  great
• 6:52
  idea.
• 6:53
  If
• 6:53
  you
• 6:54
  go
• 6:54
  in
• 6:54
  with
• 6:54
  the
• 6:54
  list
• 6:55
  and
• 6:55
  say
• 6:55
  I'm
• 6:55
  only
• 6:55
  going
• 6:56
  to
• 6:56
  buy
• 6:56
  those
• 6:56
  things
• 6:57
  that
• 6:57
  are
• 6:57
  on
• 6:57
  the
• 6:57
  list,
• 6:58
  that
• 6:58
  is
• 6:58
  going
• 6:59
  to
• 6:59
  be
• 6:59
  dramatic
• 6:59
  for
• 7:00
  you.
• 7:00
  You
• 7:00
  might
• 7:01
  have
• 7:01
  to
• 7:01
  think
• 7:01
  about
• 7:01
  switching
• 7:02
  stores.
• 7:02
  Maybe
• 7:03
  it's
• 7:03
  time
• 7:03
  to
• 7:03
  look
• 7:04
  at
• 7:04
  some
• 7:04
  of
• 7:04
  those
• 7:04
  outlet
• 7:05
  stores
• 7:05
  or
• 7:06
  some
• 7:06
  budget
• 7:06
  stores.
• 7:07
  Always
• 7:07
  take
• 7:08
  a
• 7:08
  look
• 7:08
  at
• 7:08
  your
• 7:08
  insurance.
• 7:09
  We've
• 7:09
  done
• 7:09
  a
• 7:09
  few
• 7:09
  shows
• 7:10
  on
• 7:10
  that.
• 7:10
  Trimming
• 7:11
  those
• 7:11
  subscriptions.
• 7:12
  I'm
• 7:13
  on
• 7:13
  a
• 7:13
  morning
• 7:13
  show.
• 7:13
  We
• 7:14
  talked
• 7:14
  about
• 7:14
  this
• 7:14
  subscription
• 7:15
  creep.
• 7:15
  Take
• 7:16
  a
• 7:16
  look
• 7:16
  at
• 7:16
  your
• 7:16
  subscriptions
• 7:17
  and
• 7:18
  maybe
• 7:18
  you
• 7:18
  got
• 7:19
  to
• 7:19
  delay
• 7:19
  some
• 7:19
  non
• 7:19
  essential
• 7:20
  upgrades.
• 7:21
  Now
• 7:21
  if
• 7:21
  your
• 7:21
  rent
• 7:22
  or
• 7:22
  debt
• 7:22
  payments
• 7:22
  are
• 7:22
  taking
• 7:23
  up
• 7:23
  too
• 7:23
  much
• 7:23
  your
• 7:23
  income,
• 7:24
  the
• 7:24
  issue
• 7:25
  might
• 7:25
  just
• 7:25
  not
• 7:25
  be
• 7:26
  coffee
• 7:26
  money.
• 7:27
  It
• 7:27
  it
• 7:27
  might
• 7:27
  be
• 7:27
  that
• 7:28
  your
• 7:28
  fixed
• 7:28
  expenses
• 7:29
  need
• 7:29
  attention.
• 7:30
  So
• 7:30
  you've
• 7:30
  got
• 7:31
  to
• 7:31
  focus
• 7:31
  on
• 7:31
  changes
• 7:32
  that
• 7:32
  create
• 7:32
  breathing
• 7:33
  room
• 7:33
  every
• 7:33
  single
• 7:34
  month.
• 7:34
  I
• 7:35
  agree,
• 7:35
  small
• 7:36
  cuts
• 7:36
  can
• 7:36
  help,
• 7:37
  but
• 7:37
  the
• 7:37
  biggest
• 7:38
  peace,
• 7:38
  and
• 7:39
  I
• 7:39
  say
• 7:39
  peace
• 7:39
  as
• 7:40
  comfort.
• 7:40
  Peace
• 7:41
  usually
• 7:41
  comes
• 7:41
  from
• 7:42
  fixing
• 7:42
  the
• 7:42
  biggest
• 7:43
  pressures.
• 7:44
  Which
• 7:44
  leads
• 7:44
  me
• 7:44
  to
• 7:45
  this.
• 7:45
  You
• 7:45
  got
• 7:46
  to
• 7:46
  respond
• 7:46
  from
• 7:47
  a
• 7:47
  place
• 7:47
  of
• 7:47
  peace,
• 7:48
  not
• 7:48
  panic.
• 7:49
  Expensive
• 7:50
  seasons
• 7:50
  like
• 7:50
  this
• 7:51
  can
• 7:51
  tempt
• 7:51
  you
• 7:51
  to
• 7:51
  live
• 7:52
  in
• 7:52
  this
• 7:52
  constant
• 7:53
  frustration
• 7:54
  or
• 7:54
  fear.
• 7:54
  You
• 7:55
  hear
• 7:55
  it
• 7:55
  all
• 7:55
  around
• 7:55
  you.
• 7:56
  I
• 7:56
  don't
• 7:56
  know
• 7:56
  how
• 7:57
  much
• 7:57
  more
• 7:57
  I
• 7:57
  can
• 7:57
  take.
• 7:58
  Fear
• 7:59
  says
• 7:59
  everything
• 7:59
  is
• 8:00
  out
• 8:00
  of
• 8:00
  control.
• 8:01
  That's
• 8:01
  not
• 8:01
  where
• 8:02
  we
• 8:02
  want
• 8:02
  to
• 8:02
  live
• 8:02
  our
• 8:02
  lives.
• 8:03
  Wisdom
• 8:03
  tells
• 8:04
  us,
• 8:04
  let's
• 8:05
  deal
• 8:05
  honestly
• 8:05
  with
• 8:06
  what's
• 8:06
  in
• 8:06
  front
• 8:06
  of
• 8:06
  us.
• 8:07
  You
• 8:07
  may
• 8:07
  not
• 8:08
  be
• 8:08
  able
• 8:08
  to
• 8:08
  control
• 8:08
  the
• 8:08
  economy,
• 8:09
  but
• 8:09
  you
• 8:10
  can
• 8:10
  control
• 8:10
  your
• 8:11
  response.
• 8:12
  So
• 8:12
  this
• 8:12
  is
• 8:12
  a
• 8:13
  great
• 8:13
  time
• 8:13
  to
• 8:13
  update
• 8:14
  your
• 8:14
  budget
• 8:14
  to
• 8:14
  reflect
• 8:15
  the
• 8:15
  current
• 8:15
  prices.
• 8:16
  You
• 8:16
  may
• 8:17
  have
• 8:17
  to
• 8:17
  go
• 8:17
  back
• 8:17
  to
• 8:17
  your
• 8:17
  budget
• 8:18
  and
• 8:18
  change
• 8:18
  some
• 8:19
  assumptions.
• 8:20
  Hey,
• 8:20
  one
• 8:20
  thing
• 8:20
  we're
• 8:21
  going
• 8:21
  to
• 8:21
  be
• 8:21
  talking
• 8:21
  about
• 8:21
  over
• 8:21
  the
• 8:22
  next
• 8:22
  couple
• 8:22
  weeks
• 8:22
  is
• 8:23
  giving
• 8:23
  every
• 8:23
  dollar
• 8:24
  a
• 8:24
  job
• 8:24
  based
• 8:25
  on
• 8:25
  today's
• 8:25
  reality,
• 8:26
  not
• 8:26
  what
• 8:27
  yesterday's
• 8:27
  habits
• 8:28
  were.
• 8:28
  And
• 8:29
  you
• 8:29
  might
• 8:29
  need
• 8:29
  to
• 8:29
  look
• 8:29
  at
• 8:29
  income
• 8:30
  as
• 8:30
  well.
• 8:30
  This
• 8:31
  Might
• 8:31
  be
• 8:31
  a
• 8:31
  season
• 8:32
  of
• 8:32
  working
• 8:32
  some
• 8:33
  overtime,
• 8:33
  maybe
• 8:34
  finding
• 8:34
  a
• 8:34
  part
• 8:35
  time
• 8:35
  job,
• 8:35
  hey,
• 8:36
  selling
• 8:36
  those
• 8:36
  unused
• 8:37
  items,
• 8:38
  or
• 8:38
  some
• 8:38
  skill
• 8:38
  based
• 8:39
  side
• 8:39
  income.
• 8:40
  You
• 8:40
  don't
• 8:40
  need
• 8:40
  to
• 8:41
  panic
• 8:41
  about
• 8:41
  this
• 8:41
  season,
• 8:42
  but
• 8:42
  you
• 8:43
  do
• 8:43
  need
• 8:43
  to
• 8:43
  plan
• 8:43
  for
• 8:44
  it.
• 8:44
  So
• 8:45
  as
• 8:45
  I
• 8:45
  said,
• 8:45
  if
• 8:46
  light
• 8:46
  feels
• 8:46
  tighter
• 8:47
  right
• 8:47
  now
• 8:47
  than
• 8:47
  it
• 8:47
  used
• 8:47
  to
• 8:48
  be,
• 8:48
  the
• 8:48
  goal
• 8:49
  isn't
• 8:49
  pretending.
• 8:49
  It
• 8:50
  doesn't.
• 8:50
  It
• 8:50
  is.
• 8:50
  This
• 8:51
  is
• 8:51
  the
• 8:51
  reality.
• 8:52
  But
• 8:52
  the
• 8:52
  goal
• 8:53
  here
• 8:53
  is
• 8:53
  to
• 8:53
  respond
• 8:54
  early,
• 8:55
  to
• 8:55
  respond
• 8:55
  honestly
• 8:56
  and
• 8:57
  respond
• 8:57
  calmly.
• 8:58
  The
• 8:59
  truth
• 8:59
  is,
• 8:59
  wise
• 9:00
  people
• 9:00
  adjust.
• 9:01
  Faithful
• 9:02
  people
• 9:02
  face
• 9:03
  reality
• 9:04
  and
• 9:04
  feast.
• 9:04
  And
• 9:05
  peaceful
• 9:05
  people
• 9:06
  build
• 9:06
  a
• 9:06
  plan
• 9:07
  instead
• 9:07
  of
• 9:08
  living
• 9:08
  in
• 9:08
  quiet
• 9:09
  resentment.
• 9:10
  But
• 9:10
  now
• 9:10
  I
• 9:10
  want
• 9:10
  to
• 9:10
  take
• 9:10
  this
• 9:11
  just
• 9:11
  a
• 9:11
  little
• 9:11
  deeper.
• 9:12
  Because
• 9:13
  when
• 9:13
  everyday
• 9:13
  life
• 9:14
  gets
• 9:14
  more
• 9:14
  expensive,
• 9:15
  it
• 9:15
  doesn't
• 9:16
  just
• 9:16
  affect
• 9:16
  your
• 9:16
  budget.
• 9:17
  Of
• 9:17
  course
• 9:17
  it
• 9:17
  affects
• 9:18
  that.
• 9:18
  But
• 9:19
  it
• 9:19
  also
• 9:19
  affects
• 9:20
  your
• 9:20
  sense
• 9:20
  of
• 9:20
  safety.
• 9:21
  It
• 9:22
  makes
• 9:22
  you
• 9:22
  wonder
• 9:22
  why
• 9:23
  normal
• 9:23
  life
• 9:23
  suddenly
• 9:24
  feels
• 9:24
  so
• 9:24
  heavy.
• 9:25
  It
• 9:25
  can
• 9:25
  create
• 9:26
  frustration,
• 9:27
  it
• 9:27
  creates
• 9:28
  fatigue
• 9:29
  and
• 9:29
  a
• 9:29
  quiet
• 9:29
  fear
• 9:30
  about
• 9:30
  the
• 9:30
  future.
• 9:31
  So
• 9:32
  if
• 9:32
  you're
• 9:32
  listening
• 9:32
  right
• 9:33
  now,
• 9:33
  and
• 9:33
  that's
• 9:33
  where
• 9:33
  you
• 9:34
  are,
• 9:34
  I
• 9:35
  wanted
• 9:35
  to
• 9:35
  remind
• 9:35
  you
• 9:35
  of
• 9:36
  something.
• 9:36
  God's
• 9:37
  faithfulness
• 9:38
  is
• 9:38
  not
• 9:38
  tied
• 9:39
  to
• 9:39
  the
• 9:39
  economy.
• 9:40
  This
• 9:41
  may
• 9:41
  very
• 9:41
  well
• 9:41
  be
• 9:41
  a
• 9:42
  season
• 9:42
  that
• 9:42
  requires
• 9:43
  tighter
• 9:43
  stewardship.
• 9:44
  It
• 9:44
  might
• 9:44
  be
• 9:45
  a
• 9:45
  season
• 9:45
  that
• 9:45
  requires
• 9:46
  more
• 9:46
  intentional
• 9:47
  decisions
• 9:47
  and
• 9:48
  yes,
• 9:48
  more
• 9:48
  honest
• 9:49
  planning.
• 9:50
  But
• 9:50
  that
• 9:50
  doesn't
• 9:51
  mean
• 9:51
  he's
• 9:51
  abandoned
• 9:52
  us
• 9:53
  and
• 9:53
  it
• 9:53
  doesn't
• 9:53
  mean
• 9:53
  you
• 9:54
  failed.
• 9:55
  Sometimes
• 9:55
  faithful
• 9:56
  living
• 9:56
  looks
• 9:56
  like
• 9:57
  making
• 9:57
  peace
• 9:57
  with
• 9:57
  a
• 9:58
  simpler
• 9:58
  season
• 9:59
  and
• 9:59
  just
• 10:00
  trusting
• 10:00
  God
• 10:00
  to
• 10:01
  meet
• 10:01
  you
• 10:01
  in
• 10:01
  it.
• 10:02
  Just
• 10:03
  because
• 10:03
  life
• 10:03
  got
• 10:04
  more
• 10:04
  expensive
• 10:05
  doesn't
• 10:05
  mean
• 10:05
  you
• 10:06
  have
• 10:06
  to
• 10:06
  live
• 10:06
  more
• 10:07
  anxious.
• 10:08
  So
• 10:08
  here's
• 10:08
  today's
• 10:09
  win.
• 10:09
  I
• 10:09
  want
• 10:09
  to
• 10:10
  encourage
• 10:10
  everybody.
• 10:11
  Review
• 10:11
  your
• 10:12
  last
• 10:12
  30
• 10:12
  days
• 10:12
  of
• 10:13
  spending
• 10:13
  and
• 10:13
  encircle
• 10:14
  three
• 10:14
  categories
• 10:15
  that
• 10:15
  increase
• 10:15
  the
• 10:16
  most.
• 10:16
  Those
• 10:17
  are
• 10:17
  the
• 10:17
  ones
• 10:17
  that
• 10:18
  I'm
• 10:18
  going
• 10:18
  to
• 10:18
  encourage
• 10:18
  you
• 10:18
  to
• 10:19
  adjust.
• 10:19
  First,
• 10:20
  don't
• 10:20
  try
• 10:20
  to
• 10:21
  fix
• 10:21
  everything
• 10:21
  this
• 10:22
  week.
• 10:22
  Fix
• 10:23
  what's
• 10:23
  driving
• 10:23
  the
• 10:24
  most
• 10:24
  pressure.
• 10:25
  Well,
• 10:25
  let's
• 10:25
  get
• 10:25
  into
• 10:26
  our
• 10:26
  Bible
• 10:26
  verse
• 10:26
  for
• 10:26
  today
• 10:27
  comes
• 10:27
  to
• 10:27
  us
• 10:27
  from
• 10:27
  the
• 10:27
  book
• 10:28
  of
• 10:28
  Proverbs,
• 10:28
  chapter
• 10:29
  27,
• 10:30
  verse
• 10:30
  23.
• 10:31
  It
• 10:31
  says,
• 10:32
  Know
• 10:32
  well
• 10:32
  the
• 10:32
  conditions
• 10:33
  of
• 10:33
  your
• 10:33
  flocks
• 10:34
  and
• 10:34
  give
• 10:34
  attention
• 10:35
  to
• 10:35
  your
• 10:35
  herds.
• 10:36
  Now,
• 10:37
  you
• 10:37
  know
• 10:37
  I'm
• 10:37
  a
• 10:37
  cattle
• 10:38
  farmer.
• 10:38
  I'm
• 10:39
  always
• 10:39
  paying
• 10:39
  attention
• 10:39
  to
• 10:40
  the
• 10:40
  cows.
• 10:40
  I
• 10:40
  can
• 10:40
  look
• 10:40
  out
• 10:40
  the
• 10:41
  window
• 10:41
  to
• 10:41
  the
• 10:41
  side,
• 10:41
  they're
• 10:42
  out
• 10:42
  there
• 10:42
  right
• 10:42
  now.
• 10:43
  But
• 10:43
  this
• 10:43
  works
• 10:44
  with
• 10:44
  stewardship
• 10:45
  as
• 10:45
  well.
• 10:46
  Why?
• 10:46
  Stewardship
• 10:47
  starts
• 10:47
  with
• 10:48
  paying
• 10:48
  attention
• 10:49
  because
• 10:49
  you
• 10:49
  can't
• 10:50
  respond
• 10:50
  well
• 10:50
  to
• 10:51
  financial
• 10:51
  pressure
• 10:51
  if
• 10:52
  you
• 10:52
  won't
• 10:52
  look
• 10:52
  honestly
• 10:53
  at
• 10:53
  what
• 10:53
  life
• 10:54
  costs
• 10:54
  right
• 10:54
  now.
• 10:55
  So
• 10:55
  that's
• 10:55
  my
• 10:55
  big
• 10:56
  takeaway
• 10:56
  for
• 10:56
  today.
• 10:57
  We
• 10:57
  got
• 10:57
  to
• 10:57
  be
• 10:58
  honest
• 10:58
  about
• 10:58
  where
• 10:59
  life
• 10:59
  really
• 11:00
  is.
• 11:00
  Well,
• 11:01
  how
• 11:01
  about
• 11:01
  we
• 11:01
  close
• 11:01
  out
• 11:01
  today
• 11:02
  in
• 11:02
  prayer?
• 11:03
  Heavenly
• 11:03
  Father,
• 11:04
  I
• 11:04
  just
• 11:04
  want
• 11:04
  to
• 11:04
  lift
• 11:05
  up
• 11:05
  the
• 11:05
  person
• 11:05
  right
• 11:06
  now
• 11:06
  who's
• 11:06
  feeling
• 11:06
  stretched.
• 11:08
  That
• 11:08
  person
• 11:08
  who's
• 11:08
  feeling
• 11:09
  frustrated
• 11:10
  and
• 11:10
  weary
• 11:11
  from
• 11:11
  expensive
• 11:12
  how
• 11:12
  expensive
• 11:12
  life
• 11:13
  has
• 11:13
  become
• 11:14
  and
• 11:14
  you
• 11:14
  see
• 11:15
  the
• 11:15
  pressure
• 11:15
  they
• 11:15
  feel
• 11:16
  every
• 11:16
  time
• 11:16
  they
• 11:16
  buy
• 11:17
  groceries,
• 11:17
  Lord,
• 11:17
  and
• 11:18
  they
• 11:18
  pay
• 11:18
  those
• 11:18
  bills
• 11:19
  or
• 11:19
  they
• 11:19
  have
• 11:19
  to
• 11:20
  make
• 11:20
  responsible
• 11:20
  decisions
• 11:21
  for
• 11:21
  their
• 11:21
  household.
• 11:22
  I
• 11:23
  just
• 11:23
  ask
• 11:23
  right
• 11:23
  now
• 11:23
  that
• 11:24
  you
• 11:24
  would
• 11:24
  give
• 11:24
  them
• 11:24
  peace
• 11:25
  where
• 11:25
  anxiety
• 11:26
  has
• 11:26
  been
• 11:26
  building,
• 11:27
  give
• 11:27
  them
• 11:27
  wisdom
• 11:28
  to
• 11:28
  notice
• 11:28
  what
• 11:29
  needs
• 11:29
  to
• 11:29
  change
• 11:29
  and
• 11:30
  Lord,
• 11:30
  discipline
• 11:30
  to
• 11:31
  make
• 11:31
  those
• 11:31
  changes
• 11:32
  and
• 11:33
  honestly
• 11:33
  give
• 11:33
  us
• 11:33
  all
• 11:34
  courage
• 11:34
  to
• 11:34
  face
• 11:35
  the
• 11:35
  numbers
• 11:35
  honestly.
• 11:36
  Help
• 11:37
  us
• 11:37
  not
• 11:37
  to
• 11:37
  compare,
• 11:38
  help
• 11:38
  us
• 11:38
  not
• 11:39
  to
• 11:39
  panic
• 11:39
  and
• 11:40
  and
• 11:40
  help
• 11:40
  us
• 11:40
  not
• 11:40
  to
• 11:40
  give
• 11:41
  in
• 11:41
  to
• 11:41
  this
• 11:41
  hopelessness
• 11:42
  feeling
• 11:42
  that
• 11:43
  so
• 11:43
  many
• 11:43
  people
• 11:43
  feel.
• 11:44
  Remind
• 11:45
  us
• 11:45
  all
• 11:45
  that
• 11:45
  you
• 11:45
  are
• 11:46
  still
• 11:46
  faithful
• 11:47
  and
• 11:47
  you
• 11:47
  have
• 11:48
  given
• 11:48
  us
• 11:48
  wise
• 11:48
  stewardship
• 11:49
  in
• 11:49
  a
• 11:50
  hard
• 11:50
  season
• 11:51
  and
• 11:51
  all
• 11:51
  that
• 11:51
  still
• 11:52
  matters,
• 11:52
  Lord,
• 11:53
  provide
• 11:53
  for
• 11:54
  our
• 11:54
  needs,
• 11:54
  steady
• 11:55
  our
• 11:55
  hearts
• 11:56
  and
• 11:56
  guide
• 11:56
  our
• 11:57
  next
• 11:57
  steps.
• 11:57
  And
• 11:57
  we
• 11:57
  ask
• 11:58
  this
• 11:58
  in
• 11:58
  the
• 11:59
  name
• 11:59
  of
• 11:59
  Jesus.
• 12:00
  Amen,
• 12:02
  friend.
• 12:02
  You're
• 12:03
  not
• 12:03
  the
• 12:03
  only
• 12:03
  one
• 12:03
  feeling
• 12:04
  this.
• 12:05
  The
• 12:05
  pressure
• 12:05
  is
• 12:05
  real
• 12:06
  right
• 12:06
  now
• 12:07
  and
• 12:07
  wise
• 12:07
  adjustments
• 12:08
  are
• 12:08
  not
• 12:08
  a
• 12:09
  sign
• 12:09
  of
• 12:09
  failure.
• 12:10
  So
• 12:10
  go
• 12:10
  update
• 12:11
  that
• 12:11
  budget
• 12:11
  for
• 12:11
  this
• 12:11
  season
• 12:12
  and
• 12:12
  try
• 12:12
  and
• 12:13
  instead
• 12:13
  of
• 12:13
  trying
• 12:14
  to
• 12:14
  live
• 12:14
  by
• 12:14
  those
• 12:14
  old
• 12:15
  numbers
• 12:16
  and
• 12:16
  right
• 12:16
  now,
• 12:16
  if
• 12:17
  you're
• 12:17
  feeling
• 12:17
  a
• 12:17
  squeeze
• 12:18
  too,
• 12:18
  or
• 12:19
  if
• 12:19
  you
• 12:19
  found
• 12:19
  ways
• 12:19
  to
• 12:20
  adjust
• 12:20
  what
• 12:20
  actually
• 12:20
  works,
• 12:21
  listen,
• 12:21
  I'd
• 12:21
  like
• 12:21
  to
• 12:22
  hear
• 12:22
  from
• 12:22
  you
• 12:22
  too.
• 12:22
  It
• 12:22
  doesn't
• 12:23
  just
• 12:23
  have
• 12:23
  to
• 12:23
  be
• 12:23
  a
• 12:23
  question.
• 12:24
  You
• 12:24
  could
• 12:24
  send
• 12:25
  me
• 12:25
  in
• 12:25
  a
• 12:25
  comment
• 12:25
  of
• 12:25
  like,
• 12:26
  here's
• 12:26
  what's
• 12:26
  working
• 12:26
  for
• 12:27
  me,
• 12:27
  Ralph.
• 12:27
  Here's
• 12:27
  what's
• 12:28
  working
• 12:28
  for
• 12:28
  our
• 12:28
  family.
• 12:29
  And
• 12:29
  we'll
• 12:29
  mention
• 12:30
  that
• 12:30
  on
• 12:30
  the
• 12:30
  show
• 12:30
  because
• 12:31
  this
• 12:31
  is
• 12:31
  all
• 12:31
  about
• 12:32
  helping
• 12:32
  us
• 12:32
  all
• 12:32
  get
• 12:33
  past
• 12:33
  this.
• 12:33
  But
• 12:34
  you
• 12:34
  can
• 12:34
  go
• 12:34
  and
• 12:34
  record
• 12:35
  that
• 12:35
  at
• 12:35
  financiallyconfidentchristian.com/question
• 12:39
  We'll
• 12:40
  put
• 12:40
  a
• 12:40
  link
• 12:40
  in
• 12:40
  the
• 12:40
  show
• 12:40
  notes.
• 12:41
  But
• 12:41
  again,
• 12:41
  you
• 12:41
  can
• 12:41
  send
• 12:42
  me
• 12:42
  a
• 12:42
  message
• 12:42
  right
• 12:45
  at
• 12:46
  financiallyconfidentchristian.com/question
• 12:47
  And
• 12:48
  I
• 12:48
  just
• 12:48
  want
• 12:48
  to
• 12:48
  thank
• 12:48
  you
• 12:48
  so
• 12:49
  much
• 12:49
  for
• 12:49
  joining
• 12:49
  me
• 12:50
  today.
• 12:50
  Thank
• 12:50
  you
• 12:50
  for
• 12:50
  sending
• 12:51
  in
• 12:51
  that
• 12:51
  voicemail.
• 12:52
  Stay
• 12:52
  financially
• 12:53
  savvy.
• 12:53
  You'll
• 12:54
  get
• 12:54
  through
• 12:54
  this
• 12:54
  tough
• 12:55
  season.
• 12:55
  We'll
• 12:55
  work
• 12:55
  on
• 12:56
  it
• 12:56
  together.
• 12:56
  God
• 12:57
  bless
• 12:57
  you.
• 12:57
  And
• 12:58
  you
• 12:58
  have
• 12:58
  a
• 12:58
  great
• 12:58
  day
• 12:59
  today.
• 13:08
  Ra.