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How Can I Enjoy Summer Travel and Plans Without Overspending? · Becoming Financially Confident

• 0:37
  Summer
• 0:38
  has
• 0:38
  a
• 0:38
  way
• 0:38
  of
• 0:38
  loosening
• 0:39
  your
• 0:39
  grip
• 0:39
  on
• 0:39
  money,
• 0:40
  just
• 0:41
  a
• 0:41
  little
• 0:41
  here
• 0:42
  and
• 0:42
  a
• 0:42
  little
• 0:42
  there,
• 0:43
  until
• 0:43
  you
• 0:44
  look
• 0:44
  back
• 0:44
  and
• 0:44
  wonder,
• 0:45
  hey,
• 0:45
  where
• 0:46
  did
• 0:46
  it
• 0:46
  all
• 0:46
  go?
• 0:47
  And
• 0:48
  so
• 0:48
  if
• 0:48
  you
• 0:48
  want
• 0:48
  to
• 0:48
  enjoy
• 0:49
  this
• 0:49
  season
• 0:49
  without
• 0:49
  paying
• 0:50
  for
• 0:50
  it
• 0:50
  and
• 0:50
  stress
• 0:50
  later
• 0:51
  today,
• 0:52
  I'm
• 0:52
  going
• 0:52
  to
• 0:52
  help
• 0:52
  you
• 0:52
  build
• 0:53
  a
• 0:53
  plan
• 0:53
  that
• 0:53
  lets
• 0:53
  you
• 0:54
  enjoy
• 0:54
  summer
• 0:54
  and
• 0:55
  stay
• 0:55
  in
• 0:55
  control
• 0:56
  all
• 0:56
  summer
• 0:57
  long.
• 0:57
  Going
• 0:57
  to
• 0:57
  be
• 0:58
  a
• 0:58
  very
• 0:58
  insightful
• 0:59
  show
• 0:59
  today.
• 1:20
  Hey,
• 1:20
  friend.
• 1:21
  Ralph
• 1:21
  Estep
• 1:21
  Jr.
• 1:22
  Here.
• 1:22
  Welcome
• 1:23
  to
• 1:23
  Financially
• 1:24
  Confident
• 1:24
  Christian.
• 1:25
  If
• 1:25
  this
• 1:25
  is
• 1:25
  your
• 1:26
  first
• 1:26
  time
• 1:26
  joining
• 1:26
  us,
• 1:27
  welcome.
• 1:27
  And
• 1:28
  if
• 1:28
  you're
• 1:28
  coming
• 1:28
  back,
• 1:28
  you
• 1:29
  know,
• 1:29
  every
• 1:29
  day
• 1:29
  on
• 1:30
  the
• 1:30
  show,
• 1:30
  my
• 1:31
  goal
• 1:31
  every
• 1:31
  day
• 1:32
  is
• 1:32
  to
• 1:32
  help
• 1:33
  you
• 1:33
  break
• 1:33
  that
• 1:34
  cycle
• 1:34
  of
• 1:34
  financial
• 1:35
  shame
• 1:35
  and,
• 1:36
  and
• 1:36
  live
• 1:36
  in
• 1:36
  confidence.
• 1:38
  And
• 1:38
  today's
• 1:38
  topic,
• 1:39
  as
• 1:39
  the
• 1:39
  weather
• 1:39
  starts
• 1:40
  to
• 1:40
  warm
• 1:40
  here
• 1:40
  on
• 1:40
  the
• 1:41
  east
• 1:41
  coast
• 1:41
  in
• 1:41
  the
• 1:41
  United
• 1:42
  States,
• 1:42
  how
• 1:43
  to
• 1:43
  enjoy
• 1:43
  summer
• 1:44
  without
• 1:44
  overspending.
• 1:46
  And
• 1:46
  that
• 1:46
  really
• 1:46
  is
• 1:47
  the
• 1:47
  key
• 1:47
  today.
• 1:48
  Well,
• 1:48
  let's
• 1:48
  get
• 1:48
  right
• 1:48
  to
• 1:49
  today's
• 1:49
  listener
• 1:50
  question.
• 1:50
  And
• 1:51
  this
• 1:51
  listener
• 1:51
  question
• 1:52
  comes
• 1:52
  to
• 1:52
  us
• 1:52
  all
• 1:52
  about
• 1:53
  summer.
• 1:53
  And
• 1:53
  she
• 1:53
  says
• 1:53
  this,
• 1:54
  Ralph,
• 1:54
  summer
• 1:55
  is
• 1:55
  coming,
• 1:56
  and
• 1:56
  I
• 1:56
  can
• 1:57
  already
• 1:57
  feel
• 1:57
  the
• 1:57
  spending
• 1:58
  creeping
• 1:58
  in.
• 1:59
  Travel
• 2:00
  plans,
• 2:01
  little
• 2:01
  extras
• 2:01
  that
• 2:02
  add
• 2:02
  up
• 2:02
  fast.
• 2:03
  I
• 2:03
  don't
• 2:03
  want
• 2:03
  to
• 2:04
  drift
• 2:04
  through
• 2:04
  the
• 2:04
  next
• 2:04
  few
• 2:05
  months
• 2:05
  and
• 2:05
  look
• 2:05
  back
• 2:06
  wondering
• 2:06
  where
• 2:06
  my
• 2:07
  money
• 2:07
  went.
• 2:08
  At
• 2:08
  the
• 2:08
  same
• 2:08
  time,
• 2:09
  I'm
• 2:09
  already
• 2:09
  starting
• 2:10
  to
• 2:10
  feel
• 2:10
  behind,
• 2:11
  and
• 2:11
  I'm
• 2:11
  unsure
• 2:12
  if
• 2:12
  I'm
• 2:13
  even
• 2:13
  managing
• 2:14
  things
• 2:14
  well.
• 2:15
  I
• 2:15
  want
• 2:15
  to
• 2:15
  be
• 2:15
  intentional
• 2:16
  this
• 2:16
  time
• 2:17
  to
• 2:17
  actually
• 2:17
  have
• 2:18
  a
• 2:18
  plan.
• 2:18
  Ralph.
• 2:19
  And
• 2:19
  to
• 2:20
  check
• 2:20
  on
• 2:20
  where
• 2:21
  I
• 2:21
  stand.
• 2:21
  So,
• 2:22
  Ralph,
• 2:22
  here's
• 2:22
  the
• 2:22
  question.
• 2:23
  How
• 2:24
  do
• 2:24
  we
• 2:24
  prepare
• 2:24
  now
• 2:25
  so
• 2:25
  I
• 2:26
  can
• 2:26
  enjoy
• 2:26
  the
• 2:26
  season
• 2:27
  without
• 2:27
  losing
• 2:28
  control
• 2:29
  of
• 2:29
  my
• 2:29
  finances?
• 2:31
  What
• 2:31
  a
• 2:32
  great
• 2:32
  question.
• 2:33
  And
• 2:33
  I
• 2:33
  love
• 2:33
  this
• 2:34
  question
• 2:34
  because
• 2:35
  it
• 2:36
  isn't
• 2:36
  about
• 2:36
  cutting
• 2:37
  joy
• 2:37
  out
• 2:37
  of
• 2:37
  your
• 2:37
  life.
• 2:38
  Not
• 2:38
  one
• 2:38
  time
• 2:39
  did
• 2:39
  this
• 2:39
  person
• 2:40
  say,
• 2:40
  well,
• 2:40
  Ralph,
• 2:40
  I
• 2:41
  need
• 2:41
  you
• 2:41
  to
• 2:41
  tell
• 2:41
  me
• 2:41
  what
• 2:41
  I
• 2:42
  can't
• 2:42
  do.
• 2:42
  It's
• 2:43
  not
• 2:43
  at
• 2:43
  all
• 2:43
  what
• 2:43
  they
• 2:44
  were
• 2:44
  saying.
• 2:44
  They
• 2:45
  were
• 2:45
  saying,
• 2:45
  how
• 2:46
  do
• 2:46
  I
• 2:46
  make
• 2:46
  a
• 2:46
  plan?
• 2:48
  Because
• 2:48
  in
• 2:48
  the
• 2:48
  end,
• 2:48
  it's
• 2:49
  about
• 2:49
  protecting
• 2:50
  your
• 2:50
  peace
• 2:51
  while
• 2:51
  still
• 2:51
  making
• 2:52
  memories.
• 2:53
  And
• 2:53
  you
• 2:53
  can
• 2:54
  do
• 2:54
  both.
• 2:54
  As
• 2:55
  I
• 2:55
  look
• 2:55
  back
• 2:55
  at
• 2:55
  it
• 2:55
  now,
• 2:55
  I
• 2:56
  think
• 2:56
  in
• 2:56
  a
• 2:56
  lot
• 2:57
  of
• 2:57
  ways,
• 2:57
  summer
• 2:57
  was
• 2:58
  a
• 2:58
  time
• 2:58
  where
• 2:58
  I
• 2:58
  just
• 2:58
  remember
• 2:59
  making
• 3:00
  so
• 3:00
  many
• 3:00
  wonderful
• 3:01
  memories.
• 3:02
  I
• 3:02
  remember
• 3:02
  as
• 3:02
  a
• 3:02
  kid
• 3:03
  we
• 3:03
  wouldn't
• 3:03
  be
• 3:03
  in
• 3:04
  school,
• 3:04
  so
• 3:04
  we
• 3:04
  had
• 3:04
  those
• 3:05
  late
• 3:05
  nights
• 3:06
  wandering
• 3:06
  around
• 3:06
  the
• 3:06
  neighborhood
• 3:07
  and
• 3:07
  meeting
• 3:08
  new
• 3:08
  friends
• 3:08
  and
• 3:09
  doing
• 3:09
  things
• 3:09
  you
• 3:09
  didn't
• 3:10
  get
• 3:10
  to
• 3:10
  do
• 3:10
  all
• 3:10
  the
• 3:10
  time.
• 3:11
  So
• 3:11
  today's
• 3:12
  big
• 3:12
  idea
• 3:12
  is
• 3:13
  this
• 3:13
  enjoyment
• 3:14
  and
• 3:15
  stewardship
• 3:16
  can
• 3:16
  actually
• 3:17
  coexist
• 3:18
  when
• 3:18
  you
• 3:18
  plan
• 3:19
  your
• 3:19
  spending
• 3:19
  on
• 3:20
  purpose.
• 3:21
  But
• 3:21
  how
• 3:21
  do
• 3:22
  we
• 3:22
  do
• 3:22
  that?
• 3:23
  Well,
• 3:23
  here's
• 3:23
  how
• 3:23
  I
• 3:23
  think
• 3:24
  you
• 3:24
  should
• 3:24
  do
• 3:24
  it.
• 3:24
  Number
• 3:24
  one
• 3:25
  thing
• 3:25
  you've
• 3:25
  got
• 3:25
  to
• 3:25
  do
• 3:26
  before
• 3:26
  you
• 3:26
  do
• 3:26
  anything
• 3:27
  else,
• 3:28
  decide
• 3:28
  what
• 3:29
  matters.
• 3:29
  The
• 3:29
  Most
• 3:30
  this
• 3:30
  summer,
• 3:31
  you
• 3:31
  got
• 3:32
  to
• 3:32
  start
• 3:32
  with
• 3:32
  an
• 3:32
  idea
• 3:32
  of
• 3:33
  what
• 3:33
  matters
• 3:33
  to
• 3:34
  you.
• 3:34
  So
• 3:35
  before
• 3:35
  you
• 3:35
  start
• 3:35
  moving,
• 3:36
  before
• 3:37
  you
• 3:37
  make
• 3:37
  any
• 3:37
  decisions,
• 3:39
  take
• 3:39
  a
• 3:39
  few
• 3:39
  moments
• 3:40
  and
• 3:40
  list
• 3:40
  out
• 3:41
  what
• 3:41
  matters
• 3:41
  this
• 3:42
  summer.
• 3:43
  And
• 3:43
  these
• 3:43
  things
• 3:44
  are
• 3:44
  honestly
• 3:44
  different
• 3:45
  for
• 3:45
  all
• 3:45
  of
• 3:45
  us.
• 3:46
  Maybe
• 3:47
  for
• 3:47
  your
• 3:47
  family,
• 3:47
  it's
• 3:48
  that
• 3:48
  one
• 3:48
  meaningful
• 3:49
  summer
• 3:49
  trip.
• 3:50
  I
• 3:50
  remember
• 3:50
  when
• 3:50
  I
• 3:50
  was
• 3:51
  a
• 3:51
  kid,
• 3:51
  when
• 3:51
  my
• 3:51
  mom
• 3:51
  and
• 3:52
  dad
• 3:52
  were
• 3:52
  still
• 3:52
  together,
• 3:52
  we
• 3:53
  always
• 3:53
  had
• 3:53
  a
• 3:54
  summer
• 3:54
  trip,
• 3:55
  usually
• 3:55
  across
• 3:56
  country
• 3:57
  to
• 3:57
  somewhere.
• 3:57
  My
• 3:57
  dad
• 3:58
  actually
• 3:58
  was
• 3:58
  an
• 3:59
  insurance
• 3:59
  salesman,
• 4:00
  and
• 4:00
  they
• 4:00
  always
• 4:01
  had
• 4:01
  this
• 4:01
  summer
• 4:02
  conference
• 4:02
  in
• 4:02
  Des
• 4:03
  Moines,
• 4:03
  Iowa.
• 4:04
  Now,
• 4:04
  I'm
• 4:04
  from
• 4:04
  Delaware,
• 4:05
  so
• 4:05
  if
• 4:06
  you
• 4:06
  look
• 4:06
  at
• 4:06
  the
• 4:06
  United
• 4:06
  States
• 4:07
  map,
• 4:07
  we
• 4:07
  are
• 4:08
  just
• 4:08
  about
• 4:08
  all
• 4:08
  the
• 4:09
  way
• 4:09
  to
• 4:09
  the
• 4:09
  east
• 4:09
  coast,
• 4:10
  and
• 4:10
  Iowa
• 4:11
  is
• 4:11
  just
• 4:11
  about
• 4:12
  dead
• 4:12
  center
• 4:13
  of
• 4:13
  the
• 4:13
  country.
• 4:13
  So
• 4:13
  it
• 4:13
  was
• 4:15
  across
• 4:15
  the
• 4:15
  United
• 4:16
  States
• 4:16
  trip.
• 4:16
  And
• 4:16
  I
• 4:16
  remember
• 4:17
  one
• 4:17
  time
• 4:17
  we
• 4:17
  even
• 4:17
  went
• 4:18
  a
• 4:18
  little
• 4:18
  further.
• 4:19
  We
• 4:19
  went
• 4:19
  out
• 4:19
  to
• 4:19
  the
• 4:20
  Rocky
• 4:20
  Mountains
• 4:21
  and
• 4:21
  we
• 4:21
  went
• 4:21
  to
• 4:22
  Colorado.
• 4:23
  But
• 4:23
  for
• 4:23
  us,
• 4:23
  that
• 4:23
  was
• 4:24
  that
• 4:24
  one
• 4:24
  meaningful
• 4:24
  trip.
• 4:25
  For
• 4:25
  a
• 4:26
  lot
• 4:26
  of
• 4:26
  people,
• 4:27
  summer
• 4:27
  is
• 4:27
  about
• 4:27
  spending
• 4:28
  time
• 4:28
  with
• 4:28
  family.
• 4:29
  It's
• 4:30
  all
• 4:30
  about
• 4:30
  going
• 4:30
  back
• 4:31
  and
• 4:31
  connecting
• 4:31
  with
• 4:32
  family.
• 4:32
  I
• 4:32
  know
• 4:32
  in
• 4:33
  the
• 4:33
  United
• 4:33
  States,
• 4:33
  we
• 4:34
  have
• 4:34
  a
• 4:34
  lot
• 4:34
  of
• 4:34
  family
• 4:35
  reunions.
• 4:35
  A
• 4:35
  lot
• 4:36
  of
• 4:36
  times
• 4:36
  we
• 4:36
  call
• 4:36
  them
• 4:37
  homecomings
• 4:37
  in
• 4:38
  the
• 4:38
  South.
• 4:38
  Those
• 4:39
  are
• 4:39
  the
• 4:39
  kind
• 4:39
  of
• 4:39
  things
• 4:39
  that
• 4:39
  people
• 4:40
  do.
• 4:41
  Maybe
• 4:41
  for
• 4:41
  you,
• 4:41
  it's
• 4:42
  a
• 4:42
  few
• 4:42
  special
• 4:42
  experiences,
• 4:44
  or
• 4:44
  maybe
• 4:45
  it's
• 4:45
  just
• 4:46
  a
• 4:46
  time
• 4:46
  for
• 4:46
  rest
• 4:47
  and
• 4:48
  some
• 4:48
  simplicity.
• 4:49
  Maybe
• 4:49
  a
• 4:49
  nice
• 4:50
  book
• 4:51
  afternoon
• 4:51
  on
• 4:52
  the
• 4:52
  porch.
• 4:52
  Just
• 4:52
  let
• 4:53
  the
• 4:53
  breeze
• 4:53
  go
• 4:53
  through
• 4:54
  your
• 4:54
  hair.
• 4:55
  But
• 4:55
  you
• 4:55
  have
• 4:55
  to
• 4:56
  do
• 4:56
  this,
• 4:56
  because
• 4:57
  if
• 4:57
  everything
• 4:57
  feels
• 4:58
  important,
• 4:59
  then
• 4:59
  everything
• 5:00
  gets
• 5:00
  funded.
• 5:01
  And
• 5:01
  when
• 5:01
  everything
• 5:02
  gets
• 5:02
  funded,
• 5:03
  you
• 5:03
  start
• 5:03
  to
• 5:03
  have
• 5:04
  an
• 5:04
  issue,
• 5:04
  don't
• 5:05
  you?
• 5:05
  But
• 5:06
  when
• 5:06
  you
• 5:06
  set
• 5:06
  out
• 5:06
  at
• 5:07
  the
• 5:07
  beginning
• 5:07
  to
• 5:07
  choose
• 5:08
  what
• 5:08
  matters
• 5:08
  most,
• 5:09
  you're
• 5:10
  actually
• 5:10
  giving
• 5:10
  yourself
• 5:11
  permission,
• 5:11
  kind
• 5:12
  of
• 5:12
  like
• 5:12
  a
• 5:12
  report
• 5:12
  card,
• 5:13
  to
• 5:13
  say,
• 5:13
  I
• 5:13
  can
• 5:13
  do
• 5:14
  this,
• 5:14
  to
• 5:15
  say
• 5:15
  no
• 5:15
  to
• 5:15
  the
• 5:15
  rest
• 5:16
  of
• 5:16
  those
• 5:16
  things.
• 5:17
  So
• 5:17
  think
• 5:17
  about
• 5:18
  what
• 5:18
  matters
• 5:18
  the
• 5:19
  most
• 5:19
  to
• 5:19
  you.
• 5:20
  Once
• 5:20
  you
• 5:20
  do
• 5:20
  that,
• 5:21
  then
• 5:21
  you
• 5:21
  can
• 5:21
  start
• 5:22
  to
• 5:22
  create
• 5:22
  a
• 5:22
  summer
• 5:23
  spending
• 5:23
  plan.
• 5:24
  Now,
• 5:24
  you
• 5:25
  noticed
• 5:25
  I
• 5:25
  said
• 5:26
  a
• 5:26
  spending
• 5:26
  plan.
• 5:27
  Not
• 5:27
  a
• 5:27
  budget,
• 5:28
  not
• 5:28
  a
• 5:28
  restriction,
• 5:29
  a
• 5:30
  plan.
• 5:31
  So
• 5:31
  set
• 5:31
  a
• 5:32
  simple
• 5:32
  number
• 5:32
  for
• 5:32
  yourself.
• 5:33
  Ask
• 5:34
  yourself
• 5:34
  this,
• 5:35
  what
• 5:35
  can
• 5:35
  I
• 5:35
  afford
• 5:36
  to
• 5:36
  spend
• 5:36
  this
• 5:36
  summer
• 5:37
  without
• 5:38
  creating
• 5:38
  stress
• 5:39
  later?
• 5:41
  Because
• 5:41
  that's
• 5:41
  the
• 5:42
  main
• 5:42
  part
• 5:42
  of
• 5:42
  your
• 5:42
  question
• 5:43
  today,
• 5:44
  Ralph.
• 5:44
  How
• 5:44
  do
• 5:44
  I
• 5:45
  do
• 5:45
  this
• 5:45
  without
• 5:45
  creating
• 5:46
  stress?
• 5:47
  So
• 5:48
  set
• 5:48
  out
• 5:48
  the
• 5:48
  beginning.
• 5:48
  Here's
• 5:49
  what
• 5:49
  I
• 5:49
  can
• 5:49
  afford
• 5:50
  to
• 5:50
  do,
• 5:50
  and
• 5:51
  then
• 5:51
  break
• 5:51
  it
• 5:51
  down.
• 5:52
  Break
• 5:52
  it
• 5:52
  down
• 5:53
  for
• 5:53
  travel
• 5:53
  costs,
• 5:54
  those
• 5:54
  outings.
• 5:55
  Don't
• 5:56
  forget
• 5:56
  to
• 5:56
  factor
• 5:56
  in
• 5:57
  food
• 5:57
  and
• 5:57
  entertainment,
• 5:58
  and,
• 5:58
  hey,
• 5:59
  the
• 5:59
  extras.
• 6:00
  I
• 6:00
  know
• 6:00
  when
• 6:01
  my
• 6:01
  kids
• 6:01
  were
• 6:01
  really
• 6:01
  young,
• 6:02
  we
• 6:02
  had
• 6:02
  to
• 6:03
  always
• 6:03
  stop
• 6:03
  at
• 6:03
  the
• 6:03
  gift
• 6:04
  shop,
• 6:04
  so
• 6:04
  we
• 6:04
  had
• 6:04
  to
• 6:05
  plan
• 6:05
  in
• 6:05
  those
• 6:05
  extras.
• 6:07
  But
• 6:07
  when
• 6:07
  you
• 6:07
  give
• 6:08
  your
• 6:08
  money
• 6:08
  direction,
• 6:09
  and,
• 6:09
  you
• 6:09
  know,
• 6:10
  I
• 6:10
  talk
• 6:10
  about
• 6:10
  this
• 6:10
  on
• 6:10
  the
• 6:10
  show
• 6:11
  all
• 6:11
  the
• 6:11
  time.
• 6:12
  When
• 6:12
  you
• 6:12
  give
• 6:12
  your
• 6:12
  money
• 6:13
  direction,
• 6:14
  you
• 6:14
  remove
• 6:14
  the
• 6:15
  guesswork.
• 6:16
  And
• 6:16
  guesswork
• 6:17
  unfortunately
• 6:18
  is
• 6:18
  where
• 6:18
  overspending
• 6:19
  lives.
• 6:21
  So
• 6:21
  do
• 6:21
  that
• 6:22
  and
• 6:22
  then
• 6:22
  once
• 6:23
  you've
• 6:23
  done
• 6:23
  that,
• 6:23
  use
• 6:24
  those
• 6:24
  pre
• 6:24
  decided
• 6:25
  yeses.
• 6:26
  This
• 6:26
  is
• 6:26
  where
• 6:26
  you
• 6:26
  can
• 6:26
  become
• 6:27
  a
• 6:27
  yes
• 6:27
  man.
• 6:28
  And
• 6:28
  this
• 6:28
  is
• 6:29
  super
• 6:29
  powerful.
• 6:30
  So
• 6:30
  instead
• 6:31
  of
• 6:31
  deciding
• 6:31
  in
• 6:32
  that
• 6:32
  moment,
• 6:33
  you're
• 6:33
  going
• 6:33
  to
• 6:33
  be
• 6:33
  tempted
• 6:34
  with
• 6:34
  things.
• 6:35
  But
• 6:35
  if
• 6:35
  you
• 6:35
  know
• 6:36
  what
• 6:36
  your
• 6:36
  yeses
• 6:37
  are
• 6:37
  ahead
• 6:37
  of
• 6:38
  time,
• 6:38
  you
• 6:38
  decide
• 6:39
  ahead
• 6:39
  of
• 6:39
  time.
• 6:40
  You
• 6:40
  think
• 6:40
  to
• 6:40
  yourself,
• 6:41
  this
• 6:41
  trip,
• 6:41
  yes,
• 6:41
  that's
• 6:42
  on
• 6:42
  the
• 6:42
  list.
• 6:43
  That
• 6:43
  weekly
• 6:44
  family
• 6:44
  outing,
• 6:45
  absolutely.
• 6:46
  But
• 6:46
  every
• 6:47
  random
• 6:47
  expense,
• 6:48
  well,
• 6:48
  that's
• 6:49
  a
• 6:49
  hard
• 6:49
  no.
• 6:50
  Because
• 6:50
  in
• 6:51
  those
• 6:51
  moments,
• 6:52
  and
• 6:52
  we've
• 6:52
  all
• 6:53
  been
• 6:53
  there
• 6:54
  in
• 6:54
  those
• 6:54
  moments,
• 6:55
  the
• 6:55
  emotions
• 6:56
  are
• 6:56
  loud,
• 6:57
  you're
• 6:58
  going
• 6:58
  to
• 6:58
  be
• 6:58
  feeling,
• 6:58
  feeling
• 6:59
  like,
• 6:59
  oh,
• 6:59
  I
• 7:00
  think
• 7:00
  I
• 7:00
  can
• 7:00
  make
• 7:00
  this
• 7:00
  work.
• 7:01
  But
• 7:02
  those
• 7:02
  pre
• 7:02
  decisions
• 7:03
  protect
• 7:03
  you
• 7:03
  from
• 7:04
  the
• 7:04
  impulse.
• 7:05
  Another
• 7:06
  thing
• 7:06
  I'm
• 7:06
  going
• 7:06
  to
• 7:06
  recommend
• 7:07
  that
• 7:07
  you
• 7:07
  do
• 7:07
  is
• 7:08
  build
• 7:08
  in
• 7:09
  some
• 7:09
  simple
• 7:09
  check
• 7:10
  ins.
• 7:11
  I
• 7:11
  think
• 7:11
  one
• 7:11
  of
• 7:11
  the
• 7:11
  big
• 7:12
  problems
• 7:12
  a
• 7:12
  lot
• 7:12
  of
• 7:12
  people
• 7:13
  find
• 7:13
  themselves
• 7:13
  in
• 7:14
  is
• 7:14
  they
• 7:14
  wait
• 7:14
  until
• 7:15
  September
• 7:15
  to
• 7:16
  see
• 7:16
  how
• 7:16
  they
• 7:16
  did.
• 7:17
  Not
• 7:17
  a
• 7:17
  good
• 7:18
  plan.
• 7:19
  Check
• 7:19
  in
• 7:19
  weekly,
• 7:20
  see
• 7:20
  how
• 7:20
  things
• 7:20
  are
• 7:20
  going.
• 7:21
  Ask
• 7:22
  yourself
• 7:22
  this
• 7:23
  very
• 7:23
  basic
• 7:23
  question.
• 7:24
  How
• 7:24
  am
• 7:25
  I
• 7:25
  doing
• 7:25
  compared
• 7:26
  to
• 7:26
  my
• 7:26
  plan?
• 7:27
  And
• 7:27
  you're
• 7:27
  not
• 7:28
  doing
• 7:28
  this
• 7:28
  to
• 7:28
  shame
• 7:29
  yourself
• 7:29
  or
• 7:29
  to
• 7:29
  guilt
• 7:30
  yourself.
• 7:30
  It's
• 7:31
  just
• 7:31
  about
• 7:32
  building
• 7:32
  awareness.
• 7:34
  Because
• 7:34
  when
• 7:34
  you
• 7:34
  have
• 7:35
  that
• 7:35
  awareness,
• 7:36
  you
• 7:36
  build
• 7:36
  in
• 7:37
  adjustment
• 7:38
  and
• 7:38
  those
• 7:38
  adjustments
• 7:39
  keep
• 7:39
  you
• 7:39
  steady
• 7:40
  without
• 7:41
  breaking
• 7:41
  it.
• 7:42
  But
• 7:42
  here's
• 7:43
  the
• 7:43
  main
• 7:43
  key
• 7:43
  thing
• 7:43
  for
• 7:44
  today.
• 7:44
  We've
• 7:45
  got
• 7:45
  to
• 7:45
  really
• 7:46
  spend
• 7:46
  a
• 7:46
  moment
• 7:47
  redefining
• 7:48
  joy
• 7:48
  beyond
• 7:48
  spending.
• 7:50
  This
• 7:50
  is
• 7:50
  where
• 7:50
  we
• 7:50
  got
• 7:51
  to
• 7:51
  talk
• 7:51
  honestly
• 7:51
  about
• 7:51
  this.
• 7:52
  I
• 7:53
  think
• 7:53
  so
• 7:53
  many
• 7:53
  people
• 7:53
  get
• 7:54
  hung
• 7:54
  up
• 7:54
  on
• 7:55
  joy
• 7:55
  equals
• 7:56
  spending.
• 7:57
  But
• 7:57
  it's
• 7:58
  not
• 7:58
  just
• 7:58
  about
• 7:58
  spending.
• 7:59
  I
• 8:00
  will
• 8:00
  tell
• 8:00
  you
• 8:00
  personally,
• 8:01
  some
• 8:01
  of
• 8:01
  the
• 8:01
  best
• 8:02
  parts
• 8:02
  of
• 8:02
  summer
• 8:03
  don't
• 8:04
  cost
• 8:04
  much
• 8:04
  at
• 8:04
  all.
• 8:06
  That
• 8:06
  evening
• 8:06
  walk
• 8:07
  or
• 8:07
  time
• 8:08
  spent
• 8:08
  outside,
• 8:09
  maybe
• 8:10
  a
• 8:10
  simple
• 8:10
  meal
• 8:11
  with
• 8:11
  people
• 8:11
  that
• 8:11
  you
• 8:11
  love
• 8:12
  or
• 8:13
  rest
• 8:13
  without
• 8:13
  rushing
• 8:14
  around.
• 8:15
  I
• 8:15
  don't
• 8:16
  know
• 8:16
  about
• 8:16
  you,
• 8:16
  but
• 8:16
  summer
• 8:16
  for
• 8:17
  me
• 8:17
  is
• 8:17
  a
• 8:17
  lot
• 8:17
  of
• 8:17
  times
• 8:18
  it's
• 8:18
  that
• 8:18
  time
• 8:18
  of
• 8:19
  rest
• 8:19
  without
• 8:19
  having
• 8:19
  to
• 8:20
  rush
• 8:20
  around.
• 8:21
  Because
• 8:21
  in
• 8:22
  the
• 8:22
  end,
• 8:22
  joy
• 8:23
  is
• 8:23
  not
• 8:23
  something
• 8:24
  that
• 8:24
  you
• 8:24
  buy.
• 8:25
  Joy
• 8:26
  is
• 8:26
  really
• 8:26
  something
• 8:27
  that
• 8:27
  you
• 8:27
  experience.
• 8:29
  And
• 8:29
  when
• 8:29
  you
• 8:29
  can
• 8:29
  finally
• 8:30
  disconnect
• 8:30
  joy
• 8:31
  from
• 8:31
  spending,
• 8:32
  that's
• 8:32
  when
• 8:32
  you'll
• 8:33
  actually
• 8:33
  gain
• 8:33
  freedom.
• 8:35
  So
• 8:35
  here's
• 8:35
  my
• 8:36
  big
• 8:36
  takeaway
• 8:36
  for
• 8:36
  today.
• 8:37
  You
• 8:38
  can
• 8:38
  enjoy
• 8:38
  the
• 8:39
  moment
• 8:39
  without
• 8:40
  regretting
• 8:40
  it
• 8:40
  later.
• 8:41
  And
• 8:42
  here's
• 8:42
  your
• 8:42
  win
• 8:42
  for
• 8:42
  today.
• 8:42
  If
• 8:43
  you're
• 8:43
  new
• 8:43
  to
• 8:43
  the
• 8:43
  show
• 8:44
  every
• 8:44
  day,
• 8:44
  I
• 8:45
  want
• 8:45
  to
• 8:45
  give
• 8:45
  you
• 8:45
  a
• 8:46
  simple
• 8:46
  win
• 8:46
  to
• 8:47
  help
• 8:47
  you
• 8:47
  keep
• 8:47
  this
• 8:48
  momentum
• 8:48
  going.
• 8:48
  So
• 8:49
  here's
• 8:49
  your
• 8:49
  win
• 8:49
  for
• 8:49
  today.
• 8:50
  I
• 8:50
  want
• 8:50
  you
• 8:51
  to
• 8:51
  write
• 8:51
  down
• 8:51
  one
• 8:52
  thing
• 8:52
  that
• 8:52
  you
• 8:53
  truly
• 8:53
  want
• 8:53
  to
• 8:53
  enjoy
• 8:54
  this
• 8:54
  summer.
• 8:55
  What's
• 8:55
  that
• 8:55
  one
• 8:56
  thing
• 8:56
  like,
• 8:56
  I
• 8:56
  really
• 8:57
  hope
• 8:57
  we
• 8:57
  can
• 8:57
  do
• 8:57
  that.
• 8:58
  Maybe
• 8:58
  it's
• 8:58
  a
• 8:58
  trip
• 8:59
  to
• 8:59
  an
• 8:59
  amusement
• 8:59
  park,
• 9:00
  maybe
• 9:00
  you
• 9:00
  always
• 9:01
  do
• 9:01
  a
• 9:01
  week
• 9:01
  at
• 9:01
  the
• 9:02
  beach.
• 9:02
  But
• 9:02
  whatever
• 9:02
  that
• 9:03
  one
• 9:03
  thing
• 9:03
  is,
• 9:04
  and
• 9:04
  then
• 9:04
  assign
• 9:05
  it
• 9:05
  a
• 9:05
  place
• 9:05
  in
• 9:06
  your
• 9:06
  plan.
• 9:07
  Now
• 9:07
  you
• 9:07
  notice
• 9:07
  I
• 9:08
  just
• 9:08
  said
• 9:08
  one.
• 9:09
  Don't
• 9:09
  overwhelm
• 9:10
  yourself.
• 9:10
  You
• 9:11
  may
• 9:11
  be
• 9:11
  able
• 9:11
  to
• 9:11
  add
• 9:11
  more
• 9:12
  later,
• 9:12
  but
• 9:12
  just
• 9:12
  for
• 9:12
  today,
• 9:13
  just
• 9:14
  add
• 9:14
  one.
• 9:15
  Because
• 9:15
  that
• 9:16
  intentional
• 9:17
  joy
• 9:17
  is
• 9:17
  always
• 9:18
  more
• 9:18
  meaningful
• 9:19
  than
• 9:19
  the
• 9:19
  stuff
• 9:20
  that
• 9:20
  just
• 9:20
  sort
• 9:20
  of
• 9:20
  happens.
• 9:21
  Well,
• 9:22
  let's
• 9:22
  get
• 9:22
  into
• 9:22
  our
• 9:22
  Bible
• 9:23
  verse.
• 9:23
  We
• 9:23
  always
• 9:23
  want
• 9:23
  to
• 9:24
  structure
• 9:24
  our
• 9:25
  episodes
• 9:26
  in
• 9:26
  Scripture,
• 9:27
  and
• 9:27
  today
• 9:27
  we
• 9:27
  go
• 9:27
  to
• 9:28
  Proverbs,
• 9:28
  chapter
• 9:29
  6,
• 9:29
  verses
• 9:30
  6
• 9:30
  to
• 9:30
  8.
• 9:31
  And
• 9:31
  this
• 9:31
  one
• 9:32
  says
• 9:32
  this
• 9:32
  Go
• 9:32
  to
• 9:32
  the
• 9:33
  ant,
• 9:33
  you
• 9:33
  sluggard.
• 9:35
  Consider
• 9:35
  its
• 9:35
  ways
• 9:35
  and
• 9:36
  be
• 9:36
  wise.
• 9:37
  It
• 9:37
  has
• 9:37
  no
• 9:38
  commander.
• 9:38
  It
• 9:38
  has
• 9:39
  no
• 9:39
  overseer
• 9:40
  or
• 9:40
  ruler,
• 9:41
  yet
• 9:41
  it
• 9:41
  stores
• 9:42
  up
• 9:42
  provisions
• 9:43
  in
• 9:43
  summer
• 9:43
  and
• 9:44
  gathers
• 9:44
  its
• 9:44
  food
• 9:45
  at
• 9:45
  harvest.
• 9:46
  Now,
• 9:46
  to
• 9:47
  be
• 9:47
  very
• 9:47
  honest
• 9:47
  with
• 9:47
  you,
• 9:47
  I
• 9:48
  picked
• 9:48
  this
• 9:48
  one
• 9:48
  because
• 9:48
  it
• 9:49
  uses
• 9:49
  the
• 9:49
  word
• 9:49
  summer
• 9:50
  in
• 9:50
  it.
• 9:50
  And
• 9:50
  that's
• 9:50
  what
• 9:51
  we're
• 9:51
  talking
• 9:51
  about
• 9:51
  today.
• 9:52
  But
• 9:52
  here's
• 9:53
  why
• 9:53
  it
• 9:53
  fits.
• 9:54
  God
• 9:54
  shows
• 9:55
  us
• 9:55
  the
• 9:55
  wisdom
• 9:55
  of
• 9:56
  preparing
• 9:56
  in
• 9:56
  advance.
• 9:57
  Why
• 9:58
  do
• 9:58
  you
• 9:58
  think
• 9:58
  that
• 9:58
  is?
• 9:59
  So
• 9:59
  we
• 9:59
  can
• 10:00
  enjoy
• 10:00
  what's
• 10:00
  ahead
• 10:01
  without
• 10:01
  creating
• 10:02
  stress
• 10:02
  later.
• 10:03
  That
• 10:03
  is
• 10:03
  really
• 10:04
  the
• 10:04
  answer
• 10:04
  to
• 10:04
  your
• 10:05
  question
• 10:05
  today.
• 10:06
  Let's
• 10:06
  prepare
• 10:07
  in
• 10:07
  advance
• 10:07
  so
• 10:08
  we
• 10:08
  can
• 10:08
  enjoy
• 10:08
  what's
• 10:09
  ahead
• 10:09
  without
• 10:09
  creating
• 10:10
  stress
• 10:10
  later.
• 10:11
  How
• 10:11
  about
• 10:11
  we
• 10:12
  pray
• 10:12
  together?
• 10:13
  Heavenly
• 10:13
  Father,
• 10:14
  thank
• 10:14
  you
• 10:15
  for
• 10:15
  the
• 10:15
  gift
• 10:15
  of
• 10:15
  seasons.
• 10:17
  I
• 10:17
  think
• 10:17
  sometimes
• 10:18
  we
• 10:18
  take
• 10:18
  it
• 10:18
  for
• 10:18
  granted,
• 10:19
  Lord,
• 10:19
  but
• 10:19
  thank
• 10:20
  you
• 10:20
  so
• 10:20
  much
• 10:20
  for
• 10:20
  these
• 10:21
  gift
• 10:21
  of
• 10:21
  seasons,
• 10:22
  for
• 10:22
  time
• 10:22
  with
• 10:23
  family,
• 10:24
  for
• 10:24
  rest,
• 10:25
  and
• 10:25
  for
• 10:25
  the
• 10:26
  joy
• 10:26
  you've
• 10:26
  given
• 10:26
  in
• 10:26
  our
• 10:27
  lives.
• 10:28
  And
• 10:28
  I
• 10:28
  lift
• 10:28
  up
• 10:29
  right
• 10:29
  now,
• 10:29
  my
• 10:29
  friend
• 10:29
  who
• 10:30
  wants
• 10:30
  to
• 10:30
  enjoy
• 10:30
  this
• 10:31
  summer
• 10:31
  without
• 10:32
  falling
• 10:32
  into
• 10:32
  stress
• 10:33
  or
• 10:33
  regret.
• 10:34
  And
• 10:34
  I
• 10:34
  just
• 10:35
  ask
• 10:35
  that
• 10:35
  you
• 10:35
  would
• 10:35
  give
• 10:36
  them
• 10:36
  wisdom
• 10:36
  to
• 10:36
  plan
• 10:37
  ahead,
• 10:37
  Lord,
• 10:37
  and
• 10:38
  discipline
• 10:38
  to
• 10:39
  follow
• 10:39
  through.
• 10:40
  And
• 10:40
  most
• 10:40
  of
• 10:40
  all,
• 10:41
  Lord,
• 10:41
  help
• 10:41
  them
• 10:41
  to
• 10:42
  find
• 10:42
  peace
• 10:42
  in
• 10:42
  their
• 10:43
  decisions.
• 10:44
  Help
• 10:44
  them
• 10:44
  to
• 10:45
  find
• 10:45
  joy
• 10:45
  in
• 10:45
  those
• 10:46
  simple
• 10:46
  moments
• 10:46
  that
• 10:47
  spending
• 10:47
  could
• 10:47
  never
• 10:48
  give
• 10:48
  them
• 10:49
  and
• 10:49
  remind
• 10:50
  them
• 10:50
  that
• 10:50
  you
• 10:50
  are
• 10:50
  the
• 10:51
  true
• 10:51
  source
• 10:51
  of
• 10:52
  contentment
• 10:52
  and
• 10:53
  peace.
• 10:54
  Guide
• 10:54
  all
• 10:54
  of
• 10:54
  our
• 10:54
  steps,
• 10:55
  Lord,
• 10:55
  and
• 10:56
  let
• 10:56
  this
• 10:56
  be
• 10:56
  a
• 10:56
  season
• 10:57
  of
• 10:57
  both
• 10:57
  joy
• 10:58
  and
• 10:58
  stewardship
• 10:59
  at
• 11:00
  the
• 11:00
  same
• 11:00
  time.
• 11:01
  And
• 11:01
  we
• 11:01
  ask
• 11:01
  this
• 11:01
  in
• 11:02
  Jesus
• 11:02
  name.
• 11:03
  Amen,
• 11:05
  friend.
• 11:05
  A
• 11:06
  planned
• 11:06
  summer
• 11:06
  brings
• 11:07
  more
• 11:07
  peace
• 11:07
  than
• 11:07
  a
• 11:08
  spontaneous
• 11:08
  one
• 11:09
  with
• 11:09
  zero
• 11:10
  regret.
• 11:11
  And
• 11:11
  if
• 11:11
  you've
• 11:12
  got
• 11:12
  a
• 11:12
  question
• 11:12
  for
• 11:12
  this
• 11:12
  show,
• 11:13
  I'm
• 11:13
  all
• 11:13
  about
• 11:13
  answering
• 11:14
  questions.
• 11:14
  You
• 11:15
  can
• 11:15
  go
• 11:15
  to
• 11:15
  financiallyconfidentchristian.com/question
• 11:19
  Now
• 11:20
  if
• 11:20
  you
• 11:20
  haven't
• 11:20
  been
• 11:20
  there
• 11:20
  for
• 11:21
  a
• 11:21
  while,
• 11:21
  we've
• 11:22
  kind
• 11:22
  of
• 11:22
  kicked
• 11:22
  it
• 11:22
  up
• 11:22
  a
• 11:22
  notch,
• 11:23
  made
• 11:23
  it
• 11:23
  a
• 11:23
  lot
• 11:24
  simpler.
• 11:24
  Let's
• 11:24
  go
• 11:25
  to
• 11:25
  financiallyconfidentchristian.com/question
• 11:29
  I
• 11:29
  just
• 11:30
  want
• 11:30
  to
• 11:30
  thank
• 11:30
  you
• 11:30
  so
• 11:30
  much
• 11:30
  for
• 11:31
  joining
• 11:31
  me
• 11:31
  today.
• 11:31
  As
• 11:32
  I
• 11:32
  always
• 11:32
  say,
• 11:33
  stay
• 11:33
  financially
• 11:34
  savvy,
• 11:35
  plan
• 11:35
  for
• 11:35
  that
• 11:35
  summer
• 11:36
  joy,
• 11:36
  and
• 11:37
  may
• 11:37
  God
• 11:37
  bless
• 11:37
  you.
• 11:38
  And
• 11:38
  you
• 11:38
  have
• 11:38
  a
• 11:39
  truly
• 11:39
  great
• 11:39
  day
• 11:39
  today.