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Why Are My Utility Bills Always So High and Stressful? · Becoming Financially Confident

• 0:38
  Do
• 0:38
  you
• 0:38
  ever
• 0:38
  open
• 0:39
  up
• 0:39
  your
• 0:39
  electric
• 0:39
  bill
• 0:39
  and
• 0:40
  almost
• 0:40
  choke?
• 0:41
  I'm
• 0:41
  talking
• 0:41
  about
• 0:41
  the
• 0:42
  number
• 0:42
  is
• 0:42
  just
• 0:42
  unbelievable.
• 0:44
  You
• 0:44
  know,
• 0:44
  it's
• 0:44
  heat,
• 0:45
  it's
• 0:45
  air
• 0:45
  conditioning,
• 0:46
  it's
• 0:46
  water.
• 0:46
  And
• 0:47
  if
• 0:47
  you're
• 0:47
  like
• 0:47
  most
• 0:47
  people,
• 0:48
  you
• 0:48
  feel
• 0:48
  like
• 0:48
  those
• 0:48
  bills
• 0:49
  are
• 0:49
  just
• 0:49
  creeping
• 0:49
  higher
• 0:50
  and
• 0:50
  higher.
• 0:51
  It
• 0:51
  feels
• 0:51
  like
• 0:51
  you're
• 0:51
  working
• 0:52
  just
• 0:52
  to
• 0:52
  pay
• 0:53
  the
• 0:53
  power
• 0:53
  company.
• 0:53
  I
• 0:54
  felt
• 0:54
  that
• 0:54
  many
• 0:54
  times
• 0:55
  in
• 0:55
  my
• 0:55
  life.
• 0:56
  Well,
• 0:56
  what
• 0:56
  if
• 0:56
  you
• 0:57
  could
• 0:57
  cut
• 0:57
  some
• 0:57
  costs
• 0:58
  without
• 0:58
  freezing
• 0:58
  in
• 0:58
  winter
• 0:59
  or
• 0:59
  sweating
• 0:59
  all
• 1:00
  summer?
• 1:00
  I've
• 1:00
  got
• 1:00
  some
• 1:01
  great
• 1:01
  tips
• 1:01
  for
• 1:02
  you
• 1:02
  to
• 1:02
  do
• 1:02
  just
• 1:02
  that
• 1:03
  on
• 1:03
  today's
• 1:03
  show.
• 1:06
  This
• 1:06
  is
• 1:06
  Financially
• 1:07
  Confident
• 1:07
  Christian,
• 1:08
  your
• 1:08
  daily
• 1:08
  dose
• 1:09
  of
• 1:09
  gospel,
• 1:09
  grounded
• 1:10
  insight
• 1:10
  and
• 1:10
  faith
• 1:11
  driven
• 1:11
  tips
• 1:12
  to
• 1:12
  help
• 1:12
  you
• 1:12
  break
• 1:12
  the
• 1:13
  cycle
• 1:13
  of
• 1:13
  financial
• 1:13
  shame
• 1:14
  with
• 1:14
  confidence.
• 1:18
  Hi
• 1:18
  there,
• 1:18
  I'm
• 1:19
  Ralph.
• 1:19
  Thanks
• 1:19
  for
• 1:19
  joining
• 1:20
  me
• 1:20
  on
• 1:20
  today's
• 1:20
  Financially
• 1:21
  Confident
• 1:21
  Christian.
• 1:22
  This
• 1:22
  is
• 1:22
  the
• 1:23
  show
• 1:23
  where
• 1:23
  I
• 1:23
  help
• 1:23
  you
• 1:23
  to
• 1:24
  become
• 1:24
  a
• 1:24
  more
• 1:24
  financially
• 1:25
  confident
• 1:25
  Christian.
• 1:26
  And
• 1:26
  we're
• 1:26
  continuing
• 1:27
  in
• 1:27
  our
• 1:27
  series
• 1:27
  breaking
• 1:28
  the
• 1:28
  Cycle
• 1:28
  of
• 1:29
  Financial
• 1:29
  Shame.
• 1:30
  And
• 1:30
  we're
• 1:30
  looking
• 1:30
  to
• 1:30
  do
• 1:30
  it
• 1:31
  with
• 1:31
  confidence.
• 1:31
  And,
• 1:32
  and
• 1:32
  if
• 1:32
  you
• 1:32
  missed
• 1:32
  yesterday's
• 1:33
  show,
• 1:33
  we
• 1:33
  talked
• 1:33
  about
• 1:33
  retirement
• 1:34
  planning
• 1:34
  and
• 1:35
  why
• 1:35
  it
• 1:35
  feels
• 1:35
  so
• 1:36
  overwhelming.
• 1:36
  So
• 1:37
  I
• 1:37
  encourage
• 1:37
  you
• 1:37
  to
• 1:37
  go
• 1:37
  check
• 1:37
  it
• 1:37
  out
• 1:38
  because
• 1:38
  it
• 1:38
  wasn't
• 1:39
  your
• 1:39
  typical
• 1:39
  retirement
• 1:40
  show.
• 1:40
  You
• 1:41
  can
• 1:41
  find
• 1:41
  all
• 1:41
  of
• 1:41
  our
• 1:41
  shows@financially
• 1:44
  confidentchristian.com
• 1:46
  today
• 1:46
  we're
• 1:46
  going
• 1:46
  to
• 1:46
  do
• 1:46
  something
• 1:47
  very
• 1:47
  practical.
• 1:48
  I
• 1:48
  had
• 1:48
  a
• 1:48
  great
• 1:48
  conversation
• 1:49
  with
• 1:49
  my
• 1:49
  son
• 1:50
  yesterday.
• 1:50
  My
• 1:50
  youngest
• 1:51
  son
• 1:51
  has
• 1:51
  been
• 1:51
  living
• 1:52
  in
• 1:52
  a
• 1:52
  house
• 1:52
  with
• 1:52
  a
• 1:52
  room
• 1:53
  sharing
• 1:53
  arrangement.
• 1:54
  Well,
• 1:54
  guess
• 1:54
  what?
• 1:54
  He's
• 1:54
  getting
• 1:55
  his
• 1:55
  own
• 1:55
  apartment
• 1:56
  and
• 1:56
  he's
• 1:56
  going
• 1:56
  to
• 1:56
  be
• 1:56
  having
• 1:57
  to
• 1:57
  pay
• 1:57
  an
• 1:57
  electric
• 1:57
  bill,
• 1:58
  he's
• 1:58
  going
• 1:58
  to
• 1:58
  be
• 1:58
  paying
• 1:58
  a
• 1:58
  water
• 1:59
  bill,
• 1:59
  he's
• 1:59
  going
• 1:59
  to
• 2:00
  be
• 2:00
  paying
• 2:00
  a
• 2:00
  gas
• 2:00
  bill,
• 2:01
  an
• 2:01
  Internet
• 2:02
  bill.
• 2:02
  And
• 2:02
  he
• 2:03
  said
• 2:03
  to
• 2:03
  me,
• 2:03
  dad,
• 2:03
  he
• 2:03
  says,
• 2:04
  how
• 2:04
  can
• 2:04
  I
• 2:04
  save
• 2:05
  money
• 2:05
  on
• 2:05
  this?
• 2:05
  I
• 2:05
  don't
• 2:05
  even
• 2:06
  have
• 2:06
  an
• 2:06
  idea
• 2:06
  how
• 2:07
  much
• 2:07
  I
• 2:07
  should
• 2:07
  budget
• 2:08
  for
• 2:08
  this.
• 2:08
  And
• 2:09
  he
• 2:09
  said,
• 2:09
  dad,
• 2:09
  I
• 2:09
  don't
• 2:09
  want
• 2:10
  to
• 2:10
  be
• 2:10
  cold
• 2:10
  all
• 2:10
  the
• 2:10
  time
• 2:11
  and
• 2:11
  I
• 2:11
  don't
• 2:11
  want
• 2:11
  to
• 2:11
  sweat
• 2:12
  in
• 2:12
  the
• 2:12
  summer.
• 2:13
  And
• 2:13
  I
• 2:13
  said,
• 2:13
  son,
• 2:14
  that
• 2:14
  is
• 2:14
  a
• 2:14
  great
• 2:14
  question.
• 2:15
  And
• 2:15
  that's
• 2:15
  a
• 2:15
  question
• 2:16
  I
• 2:16
  bet
• 2:16
  a
• 2:16
  lot
• 2:16
  of
• 2:16
  my
• 2:16
  listeners
• 2:17
  could
• 2:17
  benefit
• 2:18
  from.
• 2:18
  So
• 2:18
  that's
• 2:19
  why
• 2:19
  I'm
• 2:19
  talking
• 2:19
  about
• 2:19
  it
• 2:19
  on
• 2:20
  today's
• 2:20
  show
• 2:20
  for
• 2:21
  so
• 2:21
  many
• 2:21
  of
• 2:21
  us.
• 2:21
  And
• 2:22
  I've
• 2:22
  heard
• 2:22
  so
• 2:22
  many
• 2:23
  people
• 2:23
  say
• 2:23
  this,
• 2:23
  Ralph,
• 2:24
  they
• 2:24
  said
• 2:24
  utility
• 2:25
  bills,
• 2:25
  they're
• 2:26
  just
• 2:26
  fixed
• 2:26
  costs.
• 2:27
  It
• 2:27
  just
• 2:27
  is
• 2:28
  what
• 2:28
  it
• 2:28
  is.
• 2:28
  My
• 2:28
  electric
• 2:29
  bill
• 2:29
  is
• 2:29
  going
• 2:29
  to
• 2:29
  be
• 2:29
  this
• 2:30
  much,
• 2:30
  my
• 2:30
  water
• 2:30
  bill
• 2:31
  is
• 2:31
  going
• 2:31
  to
• 2:31
  be
• 2:31
  this
• 2:31
  much,
• 2:32
  and
• 2:33
  so
• 2:33
  on
• 2:33
  and
• 2:34
  so
• 2:34
  forth.
• 2:35
  But
• 2:35
  guess
• 2:35
  what?
• 2:36
  They're
• 2:36
  not
• 2:36
  fixed.
• 2:37
  I
• 2:38
  want
• 2:38
  you
• 2:38
  to
• 2:38
  hear
• 2:38
  that
• 2:38
  right
• 2:39
  now
• 2:39
  because
• 2:39
  so
• 2:39
  many
• 2:39
  people
• 2:39
  say,
• 2:40
  oh,
• 2:40
  it's
• 2:40
  just
• 2:40
  like
• 2:40
  and
• 2:41
  do
• 2:41
  about
• 2:41
  it.
• 2:42
  But
• 2:42
  just
• 2:42
  like
• 2:42
  we
• 2:43
  talked
• 2:43
  about
• 2:43
  on
• 2:43
  the
• 2:43
  show
• 2:43
  the
• 2:44
  other
• 2:44
  day,
• 2:44
  we
• 2:44
  talked
• 2:44
  about
• 2:44
  those
• 2:45
  subscriptions
• 2:46
  that
• 2:46
  are
• 2:46
  just
• 2:46
  tiny
• 2:46
  leaks
• 2:47
  that
• 2:47
  are
• 2:47
  just
• 2:47
  grabbing
• 2:48
  your
• 2:48
  money
• 2:48
  and
• 2:48
  pulling
• 2:49
  them
• 2:49
  away
• 2:49
  from
• 2:50
  you.
• 2:50
  Well,
• 2:50
  guess
• 2:51
  what?
• 2:51
  Utilities
• 2:51
  are
• 2:51
  doing
• 2:52
  the
• 2:52
  exact
• 2:52
  same
• 2:52
  thing.
• 2:53
  And
• 2:53
  these
• 2:54
  things
• 2:54
  are
• 2:54
  insidious
• 2:55
  because
• 2:55
  they
• 2:55
  drain
• 2:56
  your
• 2:56
  wallet
• 2:56
  every
• 2:56
  month,
• 2:58
  maybe
• 2:58
  saying,
• 2:58
  okay,
• 2:59
  Ralph,
• 2:59
  okay,
• 2:59
  that's
• 3:00
  fine.
• 3:00
  Are
• 3:00
  you
• 3:00
  now
• 3:01
  the
• 3:01
  power
• 3:01
  company?
• 3:02
  Are
• 3:02
  you.
• 3:02
  Are
• 3:02
  you
• 3:03
  somehow
• 3:03
  going
• 3:03
  to
• 3:03
  show
• 3:03
  us
• 3:04
  how
• 3:04
  to
• 3:04
  save
• 3:04
  money
• 3:04
  on
• 3:04
  utilities?
• 3:05
  Yes.
• 3:05
  But
• 3:05
  here's
• 3:06
  why.
• 3:06
  As
• 3:07
  you
• 3:07
  know,
• 3:07
  in
• 3:07
  this
• 3:07
  show,
• 3:08
  my
• 3:08
  goal
• 3:08
  is
• 3:08
  to
• 3:08
  bring
• 3:09
  two
• 3:09
  worlds
• 3:09
  together.
• 3:10
  That's
• 3:10
  faith
• 3:11
  and
• 3:11
  finance.
• 3:12
  Well,
• 3:12
  clearly,
• 3:13
  financially,
• 3:14
  if
• 3:14
  you
• 3:14
  save
• 3:15
  money
• 3:15
  on
• 3:16
  utilities,
• 3:16
  you're
• 3:17
  going
• 3:17
  to
• 3:17
  save
• 3:17
  money.
• 3:18
  It's
• 3:18
  a
• 3:18
  benefit
• 3:18
  financially.
• 3:20
  But
• 3:20
  you
• 3:20
  might
• 3:20
  be
• 3:20
  saying,
• 3:20
  ralph,
• 3:21
  how
• 3:21
  does
• 3:21
  that
• 3:21
  connect
• 3:22
  to
• 3:22
  Christian
• 3:23
  faith?
• 3:23
  Well,
• 3:23
  here's
• 3:23
  how
• 3:24
  it
• 3:24
  connects.
• 3:25
  Because
• 3:25
  if
• 3:25
  you
• 3:26
  want
• 3:26
  to
• 3:26
  live
• 3:26
  in
• 3:26
  a
• 3:27
  situation
• 3:27
  of
• 3:28
  wise
• 3:28
  stewardship,
• 3:29
  and,
• 3:29
  hey,
• 3:29
  the
• 3:29
  Lord
• 3:29
  calls
• 3:29
  us
• 3:30
  to
• 3:30
  be
• 3:30
  wise
• 3:31
  in
• 3:31
  how
• 3:31
  we
• 3:31
  manage
• 3:32
  the
• 3:32
  things
• 3:32
  he's
• 3:33
  given
• 3:33
  us.
• 3:34
  One
• 3:34
  of
• 3:34
  the
• 3:34
  key
• 3:34
  things
• 3:35
  you
• 3:35
  can
• 3:35
  do
• 3:35
  to
• 3:36
  be
• 3:36
  a
• 3:36
  wise
• 3:36
  steward
• 3:37
  is
• 3:37
  to
• 3:37
  reduce
• 3:38
  your
• 3:38
  waste.
• 3:39
  What
• 3:39
  does
• 3:40
  that
• 3:40
  come
• 3:40
  down
• 3:40
  to
• 3:40
  in
• 3:40
  utilities?
• 3:41
  It
• 3:42
  comes
• 3:42
  down
• 3:42
  to
• 3:42
  managing
• 3:43
  your
• 3:43
  home
• 3:43
  wisely,
• 3:44
  because
• 3:44
  that's
• 3:45
  part
• 3:45
  of
• 3:45
  honoring
• 3:45
  God.
• 3:46
  Well,
• 3:46
  let's
• 3:46
  get
• 3:46
  right
• 3:47
  into
• 3:47
  the
• 3:47
  Scripture,
• 3:47
  because
• 3:47
  I've
• 3:48
  got
• 3:48
  the
• 3:48
  perfect
• 3:48
  Bible
• 3:49
  verse
• 3:49
  that
• 3:49
  talks
• 3:49
  directly
• 3:50
  about
• 3:50
  this,
• 3:50
  and
• 3:51
  I've
• 3:51
  used
• 3:51
  this
• 3:51
  in
• 3:52
  many
• 3:52
  contexts
• 3:53
  on
• 3:53
  the
• 3:53
  show.
• 3:53
  This
• 3:54
  is
• 3:54
  Proverbs,
• 3:55
  chapter
• 3:55
  21,
• 3:56
  verse
• 3:56
  20.
• 3:57
  And
• 3:57
  it
• 3:57
  says
• 3:57
  this.
• 3:58
  The
• 3:58
  wise
• 3:59
  store
• 3:59
  up
• 3:59
  choice
• 4:00
  food
• 4:00
  and
• 4:00
  olive
• 4:00
  oil,
• 4:01
  but
• 4:01
  fools
• 4:02
  gulp
• 4:02
  theirs
• 4:03
  down.
• 4:04
  So
• 4:04
  now
• 4:04
  you're
• 4:05
  going
• 4:05
  to
• 4:05
  say,
• 4:05
  ralph,
• 4:05
  I
• 4:06
  guess
• 4:06
  what
• 4:06
  you're
• 4:06
  saying
• 4:06
  to
• 4:06
  me
• 4:07
  is
• 4:07
  if
• 4:07
  I
• 4:07
  don't
• 4:07
  pay
• 4:08
  attention
• 4:08
  to
• 4:08
  my
• 4:08
  utilities,
• 4:09
  I'm
• 4:09
  a
• 4:09
  fool.
• 4:10
  I'm
• 4:10
  not
• 4:11
  calling
• 4:11
  you
• 4:11
  a
• 4:11
  fool.
• 4:11
  I'm
• 4:12
  not
• 4:12
  judging
• 4:12
  you.
• 4:13
  But
• 4:13
  what
• 4:13
  does
• 4:13
  the
• 4:13
  scripture
• 4:14
  say?
• 4:15
  If
• 4:15
  we're
• 4:15
  going
• 4:15
  to
• 4:15
  be
• 4:16
  wise,
• 4:17
  if
• 4:17
  we're
• 4:17
  going
• 4:17
  to
• 4:17
  truly
• 4:18
  be
• 4:18
  wise
• 4:18
  stewards,
• 4:20
  we
• 4:20
  store
• 4:20
  up
• 4:21
  things.
• 4:22
  In
• 4:22
  this
• 4:22
  particular
• 4:22
  case,
• 4:22
  they're
• 4:23
  talking
• 4:23
  about
• 4:23
  food
• 4:23
  and
• 4:23
  olive
• 4:24
  oil,
• 4:25
  but
• 4:25
  you're
• 4:25
  storing
• 4:25
  up
• 4:26
  your
• 4:26
  money
• 4:26
  when
• 4:26
  you're
• 4:26
  not
• 4:27
  paying
• 4:27
  the
• 4:27
  utility
• 4:27
  companies
• 4:28
  for
• 4:28
  wasteful
• 4:29
  usage,
• 4:30
  for
• 4:30
  wasteful
• 4:30
  spending.
• 4:31
  Because
• 4:32
  guess
• 4:32
  what?
• 4:32
  You
• 4:32
  don't
• 4:32
  want
• 4:32
  to
• 4:32
  be
• 4:33
  a
• 4:33
  fool.
• 4:33
  A
• 4:33
  fool
• 4:33
  just
• 4:33
  gulps
• 4:34
  theirs
• 4:34
  down.
• 4:34
  It's
• 4:35
  kind
• 4:35
  of
• 4:35
  like
• 4:35
  this.
• 4:35
  Think
• 4:35
  about
• 4:36
  this.
• 4:36
  It's
• 4:36
  the
• 4:36
  middle
• 4:36
  of
• 4:36
  winter,
• 4:37
  you've
• 4:37
  got
• 4:37
  your
• 4:38
  heat
• 4:38
  running,
• 4:39
  and
• 4:39
  I
• 4:39
  walk
• 4:39
  into
• 4:39
  your
• 4:40
  apartment
• 4:40
  and
• 4:40
  the
• 4:40
  window
• 4:41
  is
• 4:41
  up.
• 4:41
  You're
• 4:41
  like,
• 4:41
  hey,
• 4:42
  doesn't
• 4:42
  it
• 4:42
  feel
• 4:42
  great
• 4:42
  in
• 4:43
  here?
• 4:43
  I'm
• 4:43
  like,
• 4:43
  you
• 4:43
  got
• 4:43
  the
• 4:44
  heater
• 4:44
  running
• 4:45
  and
• 4:45
  you're
• 4:45
  paying
• 4:46
  for
• 4:46
  the
• 4:46
  heat,
• 4:46
  but
• 4:46
  you
• 4:47
  got
• 4:47
  the
• 4:47
  window
• 4:47
  open.
• 4:48
  So
• 4:48
  today
• 4:49
  I
• 4:49
  want
• 4:49
  to
• 4:49
  talk
• 4:49
  about
• 4:49
  wisdom.
• 4:50
  I
• 4:51
  want
• 4:51
  to
• 4:51
  talk
• 4:51
  about
• 4:51
  saving,
• 4:52
  and
• 4:52
  most
• 4:53
  I
• 4:53
  want
• 4:53
  to
• 4:53
  talk
• 4:53
  about
• 4:53
  not
• 4:54
  wasting.
• 4:54
  Because
• 4:55
  this
• 4:55
  applies
• 4:55
  to
• 4:55
  money
• 4:55
  and
• 4:56
  it
• 4:56
  applies
• 4:56
  to
• 4:56
  energy
• 4:57
  as
• 4:57
  well.
• 4:57
  So
• 4:57
  here's
• 4:58
  your
• 4:58
  one
• 4:58
  action
• 4:59
  step
• 4:59
  for
• 4:59
  today.
• 4:59
  I
• 4:59
  just
• 5:00
  want
• 5:00
  to
• 5:00
  give
• 5:00
  you
• 5:00
  a
• 5:00
  couple
• 5:01
  of
• 5:01
  things
• 5:01
  that
• 5:01
  you
• 5:01
  can
• 5:02
  change
• 5:02
  right
• 5:02
  away.
• 5:02
  These
• 5:03
  are
• 5:03
  the
• 5:03
  very
• 5:03
  things
• 5:04
  that
• 5:04
  I
• 5:04
  told
• 5:04
  my
• 5:05
  son.
• 5:05
  Here's
• 5:05
  the
• 5:06
  things
• 5:06
  you're
• 5:06
  going
• 5:06
  to
• 5:06
  have
• 5:06
  to
• 5:06
  think
• 5:07
  about.
• 5:07
  A
• 5:07
  lot
• 5:07
  of
• 5:07
  people
• 5:08
  don't
• 5:08
  think
• 5:08
  about
• 5:08
  these
• 5:08
  things.
• 5:09
  So,
• 5:09
  as
• 5:09
  in
• 5:09
  preparing
• 5:10
  for
• 5:10
  the
• 5:10
  show
• 5:10
  today,
• 5:10
  I
• 5:11
  thought,
• 5:11
  okay,
• 5:11
  what
• 5:11
  are
• 5:11
  some
• 5:12
  good
• 5:12
  pieces
• 5:12
  of
• 5:13
  advice
• 5:13
  that
• 5:13
  I
• 5:13
  can
• 5:13
  give
• 5:13
  my
• 5:14
  son?
• 5:14
  And
• 5:14
  I
• 5:14
  thought
• 5:14
  these
• 5:15
  were
• 5:15
  excellent.
• 5:16
  First
• 5:16
  thing
• 5:16
  I'm
• 5:16
  going
• 5:16
  to
• 5:16
  recommend,
• 5:17
  if
• 5:17
  you
• 5:18
  lower
• 5:18
  your
• 5:18
  thermostat
• 5:19
  just
• 5:19
  2
• 5:19
  degrees.
• 5:20
  Now,
• 5:20
  that
• 5:20
  might
• 5:20
  not
• 5:20
  seem
• 5:20
  like
• 5:21
  much.
• 5:21
  My
• 5:22
  son
• 5:22
  is
• 5:22
  one
• 5:22
  of
• 5:22
  these
• 5:22
  guys
• 5:23
  that
• 5:23
  likes
• 5:23
  it
• 5:23
  like
• 5:23
  an
• 5:24
  arctic
• 5:24
  freeze
• 5:24
  in
• 5:24
  his
• 5:25
  house.
• 5:25
  And
• 5:25
  I've
• 5:26
  said
• 5:26
  to
• 5:26
  him,
• 5:26
  I
• 5:26
  said,
• 5:26
  when
• 5:26
  you
• 5:26
  get
• 5:27
  that
• 5:27
  first
• 5:27
  electric
• 5:27
  bill,
• 5:28
  you're
• 5:28
  going
• 5:28
  to
• 5:28
  say,
• 5:29
  dad,
• 5:29
  guess
• 5:29
  what?
• 5:30
  I'm
• 5:30
  taking
• 5:31
  that
• 5:31
  thermostat
• 5:32
  and
• 5:32
  I'm
• 5:32
  going
• 5:32
  up
• 5:32
  a
• 5:33
  little
• 5:33
  bit.
• 5:33
  So
• 5:34
  you
• 5:34
  may
• 5:34
  have
• 5:34
  to
• 5:34
  do
• 5:34
  the
• 5:34
  same
• 5:35
  thing.
• 5:35
  Just
• 5:36
  lower
• 5:36
  that
• 5:36
  thermostat
• 5:37
  by
• 5:37
  2
• 5:37
  degrees
• 5:38
  in
• 5:38
  the
• 5:38
  wintertime.
• 5:39
  So
• 5:40
  that,
• 5:40
  yeah,
• 5:40
  it
• 5:40
  might
• 5:41
  be
• 5:41
  a
• 5:41
  little
• 5:41
  cooler,
• 5:41
  you
• 5:41
  may
• 5:42
  have
• 5:42
  to
• 5:42
  put
• 5:42
  some
• 5:42
  layers
• 5:43
  on,
• 5:43
  but
• 5:44
  you're
• 5:44
  going
• 5:44
  to
• 5:44
  save
• 5:44
  a
• 5:45
  ton
• 5:45
  of
• 5:45
  money.
• 5:45
  And
• 5:45
  the
• 5:46
  same
• 5:46
  thing
• 5:46
  in
• 5:46
  the
• 5:46
  summertime,
• 5:47
  you
• 5:47
  may
• 5:48
  find
• 5:48
  that,
• 5:48
  yeah,
• 5:48
  I
• 5:49
  really
• 5:49
  like
• 5:49
  it
• 5:49
  at
• 5:49
  68,
• 5:50
  but
• 5:51
  cost
• 5:51
  wise,
• 5:52
  if
• 5:52
  I
• 5:52
  go
• 5:52
  to
• 5:52
  70
• 5:53
  or
• 5:53
  even
• 5:53
  go
• 5:53
  to
• 5:54
  72,
• 5:54
  maybe
• 5:55
  I
• 5:55
  put
• 5:55
  a
• 5:55
  fan
• 5:55
  on.
• 5:56
  Now
• 5:56
  look
• 5:56
  at
• 5:56
  the
• 5:56
  energy
• 5:57
  consumption
• 5:57
  in
• 5:57
  doing
• 5:58
  that.
• 5:58
  But
• 5:58
  you
• 5:58
  might
• 5:58
  be
• 5:59
  able
• 5:59
  to
• 5:59
  lower
• 5:59
  your
• 5:59
  cost
• 5:59
  substantially.
• 6:00
  So
• 6:00
  it
• 6:00
  starts
• 6:01
  there,
• 6:01
  lower
• 6:01
  the
• 6:01
  thermostat.
• 6:02
  So
• 6:03
  another
• 6:03
  thing
• 6:03
  I
• 6:03
  think
• 6:03
  is
• 6:04
  an
• 6:04
  excellent
• 6:04
  idea,
• 6:04
  and
• 6:05
  I've
• 6:05
  done
• 6:05
  this
• 6:05
  in
• 6:05
  my
• 6:05
  building
• 6:06
  here
• 6:06
  in
• 6:06
  my
• 6:06
  office,
• 6:07
  swapped
• 6:07
  all
• 6:08
  of
• 6:08
  my
• 6:08
  light
• 6:08
  bulbs
• 6:08
  out
• 6:09
  for
• 6:09
  LED
• 6:09
  bulbs.
• 6:10
  In
• 6:10
  fact,
• 6:10
  when
• 6:10
  I
• 6:10
  built
• 6:10
  this
• 6:10
  office,
• 6:11
  which
• 6:11
  is
• 6:11
  about
• 6:11
  two
• 6:11
  and
• 6:11
  a
• 6:11
  half
• 6:11
  years
• 6:12
  ago,
• 6:12
  I
• 6:13
  had
• 6:13
  them
• 6:13
  put
• 6:13
  in
• 6:13
  these
• 6:13
  puck
• 6:14
  lights
• 6:14
  in
• 6:14
  the
• 6:14
  ceiling
• 6:15
  that
• 6:15
  are
• 6:15
  all
• 6:15
  led.
• 6:15
  I
• 6:16
  think
• 6:16
  they
• 6:16
  cost
• 6:16
  literally
• 6:17
  nothing
• 6:17
  to
• 6:17
  run.
• 6:18
  And
• 6:18
  it
• 6:18
  was
• 6:18
  really
• 6:19
  interesting
• 6:19
  to
• 6:19
  me
• 6:19
  as
• 6:19
  the
• 6:19
  electrician
• 6:20
  was
• 6:20
  installing
• 6:21
  them,
• 6:21
  I
• 6:21
  said,
• 6:21
  okay,
• 6:21
  where
• 6:22
  do
• 6:22
  I
• 6:22
  change
• 6:22
  the
• 6:22
  bulb?
• 6:22
  He
• 6:22
  says,
• 6:23
  ralph,
• 6:23
  there
• 6:23
  is
• 6:23
  no
• 6:23
  bulb
• 6:24
  to
• 6:24
  change.
• 6:24
  He
• 6:24
  said,
• 6:25
  these
• 6:25
  things
• 6:25
  last
• 6:26
  about
• 6:26
  10
• 6:26
  years.
• 6:26
  I
• 6:27
  said,
• 6:27
  okay,
• 6:27
  well,
• 6:27
  what
• 6:27
  do
• 6:27
  you
• 6:28
  do
• 6:28
  when
• 6:28
  they're
• 6:28
  gone?
• 6:28
  He
• 6:28
  says,
• 6:28
  you
• 6:29
  replace
• 6:29
  them.
• 6:30
  I
• 6:30
  said,
• 6:30
  okay,
• 6:30
  they're
• 6:30
  expensive.
• 6:31
  He
• 6:31
  goes,
• 6:31
  no,
• 6:31
  they're
• 6:31
  dirt
• 6:32
  cheap.
• 6:32
  So
• 6:33
  that's
• 6:33
  another
• 6:33
  thing
• 6:33
  you
• 6:33
  consider
• 6:34
  if
• 6:34
  you've
• 6:34
  got
• 6:34
  traditional
• 6:35
  lighting,
• 6:35
  switch
• 6:36
  those
• 6:36
  out.
• 6:36
  Or
• 6:36
  even
• 6:36
  if
• 6:37
  it
• 6:37
  just
• 6:37
  go
• 6:37
  and
• 6:37
  buy
• 6:38
  those
• 6:38
  LED
• 6:38
  bulbs.
• 6:40
  Here's
• 6:40
  one
• 6:40
  a
• 6:40
  lot
• 6:41
  of
• 6:41
  people
• 6:41
  don't
• 6:41
  think
• 6:41
  about.
• 6:42
  And
• 6:42
  I
• 6:42
  Actually
• 6:42
  didn't
• 6:42
  think
• 6:42
  about
• 6:43
  this
• 6:43
  one
• 6:43
  either.
• 6:44
  How
• 6:44
  many
• 6:44
  things
• 6:44
  do
• 6:45
  we
• 6:45
  let
• 6:45
  run
• 6:45
  when
• 6:46
  we're
• 6:46
  not
• 6:46
  even
• 6:46
  using
• 6:46
  them?
• 6:47
  They're
• 6:48
  little
• 6:48
  leaks.
• 6:48
  They're
• 6:48
  little
• 6:48
  here
• 6:49
  and
• 6:49
  there,
• 6:49
  like
• 6:49
  the
• 6:49
  chargers.
• 6:50
  Listen,
• 6:50
  we've
• 6:50
  got
• 6:50
  chargers
• 6:51
  for
• 6:51
  everything.
• 6:51
  I
• 6:51
  was
• 6:51
  thinking
• 6:52
  about
• 6:52
  this
• 6:52
  morning.
• 6:52
  I've
• 6:53
  got
• 6:53
  a
• 6:53
  charger
• 6:53
  for
• 6:53
  my
• 6:54
  iPhone.
• 6:54
  I
• 6:54
  got
• 6:54
  a
• 6:55
  charger
• 6:55
  for
• 6:55
  my
• 6:55
  iPad,
• 6:56
  my
• 6:56
  computer,
• 6:56
  my
• 6:57
  headphones.
• 6:58
  I
• 6:58
  got
• 6:58
  this
• 6:58
  charger
• 6:59
  and
• 6:59
  that
• 6:59
  charger.
• 7:00
  Well,
• 7:00
  one
• 7:01
  of
• 7:01
  the
• 7:01
  things
• 7:01
  that
• 7:01
  you
• 7:01
  can
• 7:02
  do
• 7:02
  to
• 7:02
  really
• 7:02
  save
• 7:03
  money,
• 7:03
  I
• 7:03
  actually
• 7:03
  had
• 7:03
  a
• 7:04
  person
• 7:04
  that
• 7:04
  used
• 7:04
  to
• 7:04
  work
• 7:04
  with
• 7:05
  me
• 7:05
  at
• 7:05
  the
• 7:05
  credit
• 7:05
  union.
• 7:05
  She
• 7:06
  said,
• 7:06
  ralph,
• 7:06
  she
• 7:06
  said,
• 7:07
  what
• 7:07
  my
• 7:07
  husband
• 7:07
  did.
• 7:07
  Now,
• 7:07
  this
• 7:07
  guy
• 7:08
  was
• 7:08
  sharp.
• 7:08
  This
• 7:08
  is
• 7:08
  what
• 7:09
  he
• 7:09
  did.
• 7:09
  He
• 7:09
  actually
• 7:10
  put
• 7:10
  breakers
• 7:11
  into
• 7:11
  particular
• 7:12
  rooms.
• 7:12
  And
• 7:12
  when
• 7:12
  he
• 7:13
  wasn't
• 7:13
  using
• 7:13
  a
• 7:13
  particular
• 7:14
  room,
• 7:14
  he
• 7:14
  would
• 7:14
  just
• 7:15
  kill
• 7:15
  the
• 7:15
  breaker
• 7:15
  for
• 7:15
  that
• 7:15
  room.
• 7:16
  Now,
• 7:16
  I'm
• 7:16
  not
• 7:16
  telling
• 7:16
  you
• 7:17
  to
• 7:17
  go
• 7:17
  to
• 7:17
  that
• 7:17
  extreme,
• 7:18
  because
• 7:18
  I
• 7:18
  think
• 7:18
  that's
• 7:18
  a
• 7:18
  little
• 7:19
  extreme.
• 7:20
  But
• 7:20
  unplug
• 7:20
  those
• 7:21
  things
• 7:21
  when
• 7:21
  they're
• 7:21
  not
• 7:21
  in
• 7:22
  use
• 7:22
  because
• 7:22
  they
• 7:22
  do
• 7:23
  trickle
• 7:23
  a
• 7:23
  little
• 7:23
  bit
• 7:24
  of
• 7:24
  charge.
• 7:24
  And
• 7:24
  you
• 7:24
  might
• 7:24
  say,
• 7:25
  okay,
• 7:25
  Ralph,
• 7:25
  big
• 7:25
  deal.
• 7:25
  How
• 7:26
  much
• 7:26
  is
• 7:26
  going
• 7:26
  to
• 7:26
  waste
• 7:26
  five,
• 7:27
  ten
• 7:27
  cents
• 7:27
  a
• 7:27
  day?
• 7:28
  Well,
• 7:29
  add
• 7:29
  that
• 7:29
  times
• 7:29
  five
• 7:30
  chargers,
• 7:30
  that
• 7:31
  could
• 7:31
  be
• 7:31
  a
• 7:31
  dollar
• 7:31
  a
• 7:32
  day.
• 7:32
  In
• 7:32
  30
• 7:32
  days,
• 7:33
  that's
• 7:33
  30
• 7:33
  bucks.
• 7:34
  One
• 7:35
  more
• 7:35
  thing
• 7:35
  I
• 7:35
  thought
• 7:35
  of.
• 7:35
  This
• 7:35
  is
• 7:36
  a
• 7:36
  great
• 7:36
  idea.
• 7:36
  A
• 7:36
  lot
• 7:37
  of
• 7:37
  people
• 7:37
  get
• 7:37
  in
• 7:37
  that
• 7:37
  shower.
• 7:38
  I
• 7:38
  was
• 7:38
  talking
• 7:38
  to
• 7:38
  a
• 7:38
  plumber
• 7:39
  client
• 7:39
  of
• 7:39
  mine
• 7:39
  the
• 7:39
  other
• 7:39
  day.
• 7:40
  He's
• 7:40
  trying
• 7:40
  to
• 7:40
  sell
• 7:40
  a
• 7:41
  lot
• 7:41
  of
• 7:41
  these
• 7:41
  instant
• 7:42
  hot
• 7:42
  water
• 7:42
  heaters
• 7:43
  because
• 7:43
  he
• 7:43
  said
• 7:43
  the
• 7:43
  chief
• 7:44
  complaint
• 7:44
  is
• 7:44
  people
• 7:44
  getting
• 7:45
  in
• 7:45
  the
• 7:45
  shower
• 7:45
  and
• 7:46
  they
• 7:46
  run
• 7:46
  out
• 7:46
  of
• 7:46
  hot
• 7:46
  water
• 7:46
  because
• 7:47
  their
• 7:47
  traditional
• 7:47
  hot
• 7:48
  water
• 7:48
  tanks
• 7:48
  too
• 7:48
  small.
• 7:49
  Well,
• 7:49
  here's
• 7:50
  an
• 7:50
  idea.
• 7:50
  To
• 7:50
  save
• 7:51
  some
• 7:51
  money,
• 7:51
  you
• 7:52
  can
• 7:52
  actually
• 7:52
  shorten
• 7:53
  your
• 7:53
  shower
• 7:53
  by
• 7:53
  two
• 7:54
  minutes.
• 7:54
  Just
• 7:54
  focus
• 7:55
  on
• 7:55
  shorten
• 7:55
  it
• 7:56
  by
• 7:56
  two
• 7:56
  minutes.
• 7:57
  You
• 7:57
  will
• 7:57
  be
• 7:57
  amazed
• 7:58
  at
• 7:58
  how
• 7:58
  much
• 7:59
  water
• 7:59
  you
• 7:59
  will
• 7:59
  save,
• 8:00
  thus
• 8:01
  saving
• 8:01
  money
• 8:01
  on
• 8:02
  your
• 8:02
  utility
• 8:02
  bills.
• 8:03
  And
• 8:03
  it
• 8:03
  all
• 8:04
  comes
• 8:04
  down
• 8:04
  to
• 8:04
  one
• 8:05
  small
• 8:05
  choice,
• 8:06
  that
• 8:06
  if
• 8:06
  you
• 8:06
  repeat
• 8:07
  it
• 8:07
  every
• 8:08
  month,
• 8:08
  every
• 8:08
  week,
• 8:08
  whatever
• 8:09
  that
• 8:09
  looks
• 8:09
  like,
• 8:09
  it
• 8:10
  can
• 8:10
  save
• 8:10
  you
• 8:10
  a
• 8:11
  ton
• 8:11
  of
• 8:11
  money
• 8:11
  every
• 8:12
  month.
• 8:13
  Because
• 8:13
  just
• 8:13
  like
• 8:14
  interest,
• 8:14
  and
• 8:14
  we
• 8:14
  talk
• 8:15
  about
• 8:15
  interest
• 8:16
  compounding,
• 8:16
  when
• 8:16
  you
• 8:17
  put
• 8:17
  a
• 8:17
  money
• 8:17
  in
• 8:17
  the
• 8:17
  bank,
• 8:18
  it
• 8:18
  compounds.
• 8:19
  It
• 8:19
  grows
• 8:19
  on
• 8:19
  itself.
• 8:20
  Well,
• 8:21
  consistency
• 8:21
  does
• 8:22
  the
• 8:22
  same
• 8:22
  thing.
• 8:23
  And
• 8:23
  if
• 8:23
  you
• 8:23
  have
• 8:23
  lower
• 8:24
  utility
• 8:25
  bills,
• 8:25
  that
• 8:26
  gives
• 8:26
  you
• 8:26
  a
• 8:26
  greater
• 8:26
  margin.
• 8:27
  If
• 8:27
  you
• 8:27
  have
• 8:27
  a
• 8:27
  greater
• 8:28
  margin,
• 8:28
  you
• 8:28
  can
• 8:28
  save
• 8:29
  more.
• 8:29
  We
• 8:30
  talked
• 8:30
  about
• 8:30
  retirement
• 8:31
  yesterday.
• 8:31
  You
• 8:31
  can
• 8:31
  put
• 8:31
  more
• 8:31
  into
• 8:32
  retirement.
• 8:33
  You
• 8:33
  can
• 8:33
  give
• 8:33
  more.
• 8:33
  Hey,
• 8:34
  you
• 8:34
  can
• 8:34
  be
• 8:34
  more
• 8:34
  generous.
• 8:35
  And
• 8:36
  when
• 8:36
  you
• 8:36
  don't
• 8:36
  have
• 8:37
  to
• 8:37
  worry
• 8:37
  about
• 8:37
  opening
• 8:38
  those
• 8:38
  pills,
• 8:38
  as
• 8:38
  I
• 8:38
  was
• 8:39
  planning
• 8:39
  for
• 8:40
  the
• 8:40
  show
• 8:40
  today,
• 8:40
  I
• 8:40
  thought,
• 8:41
  you
• 8:41
  know,
• 8:41
  think
• 8:41
  about
• 8:42
  the
• 8:42
  anxiety
• 8:43
  that
• 8:43
  so
• 8:43
  many
• 8:43
  feel
• 8:44
  when
• 8:44
  they
• 8:44
  get
• 8:44
  that
• 8:44
  electric
• 8:45
  bill.
• 8:45
  Now,
• 8:45
  most
• 8:45
  People,
• 8:46
  I
• 8:46
  think,
• 8:46
  get
• 8:46
  them
• 8:46
  electronically
• 8:47
  now,
• 8:47
  they
• 8:47
  don't
• 8:47
  get
• 8:48
  the
• 8:48
  one
• 8:48
  in
• 8:48
  the
• 8:48
  mail
• 8:49
  anymore.
• 8:50
  But
• 8:50
  think
• 8:50
  about
• 8:50
  that
• 8:50
  anxiety
• 8:51
  and
• 8:52
  think
• 8:52
  about
• 8:52
  the
• 8:52
  peace
• 8:53
  you
• 8:53
  could
• 8:53
  have
• 8:53
  if
• 8:53
  you
• 8:53
  know
• 8:54
  you're
• 8:54
  doing
• 8:54
  everything
• 8:54
  you
• 8:55
  can
• 8:55
  to
• 8:55
  reduce
• 8:56
  those
• 8:56
  costs.
• 8:57
  And
• 8:57
  hey,
• 8:57
  in
• 8:58
  the
• 8:58
  end,
• 8:58
  it's
• 8:59
  all
• 8:59
  about
• 8:59
  wasting
• 8:59
  less
• 9:00
  and
• 9:00
  honoring
• 9:01
  God's
• 9:01
  provision
• 9:02
  to
• 9:02
  us
• 9:02
  and
• 9:02
  truly
• 9:03
  living
• 9:03
  in
• 9:03
  wise
• 9:04
  stewardship.
• 9:05
  How
• 9:05
  about
• 9:05
  we
• 9:05
  pray
• 9:06
  together?
• 9:07
  Father
• 9:07
  God,
• 9:07
  we
• 9:07
  just
• 9:07
  thank
• 9:08
  you
• 9:08
  for
• 9:08
  providing
• 9:09
  every
• 9:09
  resource
• 9:09
  we
• 9:09
  need.
• 9:10
  We
• 9:10
  know
• 9:10
  that
• 9:10
  you
• 9:10
  give
• 9:11
  us
• 9:11
  everything
• 9:11
  we
• 9:11
  need,
• 9:12
  Lord.
• 9:12
  So
• 9:13
  today
• 9:13
  I
• 9:13
  just
• 9:13
  want
• 9:13
  you
• 9:14
  to
• 9:14
  help
• 9:14
  us
• 9:14
  to
• 9:14
  see
• 9:15
  the
• 9:15
  small
• 9:15
  ways
• 9:15
  that
• 9:16
  we
• 9:16
  can
• 9:16
  save
• 9:16
  and
• 9:17
  steward
• 9:17
  well.
• 9:18
  Lord,
• 9:18
  remind
• 9:19
  us
• 9:19
  that
• 9:19
  every
• 9:19
  single
• 9:20
  dollar,
• 9:20
  every
• 9:20
  drop,
• 9:21
  every
• 9:21
  bit
• 9:22
  of
• 9:22
  energy
• 9:23
  that
• 9:23
  we
• 9:23
  use
• 9:24
  that
• 9:24
  is
• 9:24
  wasted
• 9:25
  is
• 9:25
  not
• 9:26
  being
• 9:26
  wise
• 9:26
  stewards
• 9:27
  in
• 9:27
  your
• 9:27
  mind,
• 9:27
  Lord.
• 9:28
  So
• 9:28
  help
• 9:28
  us
• 9:28
  to
• 9:28
  bring
• 9:29
  those
• 9:29
  things
• 9:29
  close
• 9:30
  and
• 9:30
  right
• 9:30
  in
• 9:30
  front
• 9:31
  of
• 9:31
  us.
• 9:31
  Lord,
• 9:31
  teach
• 9:32
  us
• 9:32
  to
• 9:32
  be
• 9:32
  wise,
• 9:32
  teach
• 9:33
  us
• 9:33
  to
• 9:33
  be
• 9:33
  faithful
• 9:34
  and
• 9:34
  teach
• 9:35
  us
• 9:35
  to
• 9:35
  use
• 9:35
  that
• 9:36
  saving
• 9:36
  to
• 9:37
  be
• 9:37
  generous
• 9:37
  in
• 9:37
  return.
• 9:38
  We
• 9:38
  ask
• 9:38
  all
• 9:38
  this
• 9:39
  in
• 9:39
  the
• 9:39
  name
• 9:40
  of
• 9:40
  Jesus.
• 9:41
  Utilities
• 9:42
  are
• 9:42
  not
• 9:42
  fixed
• 9:43
  costs.
• 9:44
  I
• 9:44
  get
• 9:44
  so
• 9:44
  annoyed
• 9:45
  when
• 9:45
  people
• 9:45
  say
• 9:45
  that
• 9:45
  they're
• 9:45
  not
• 9:46
  fixed
• 9:46
  causes.
• 9:46
  You
• 9:46
  can
• 9:47
  impact
• 9:47
  how
• 9:48
  much
• 9:48
  you
• 9:48
  spend
• 9:48
  on
• 9:48
  your
• 9:49
  utilities.
• 9:50
  So
• 9:50
  I
• 9:50
  want
• 9:50
  to
• 9:50
  encourage
• 9:50
  you
• 9:50
  one
• 9:51
  more
• 9:51
  time,
• 9:51
  make
• 9:51
  some
• 9:51
  small
• 9:52
  changes
• 9:52
  today
• 9:53
  because
• 9:53
  small
• 9:53
  changes
• 9:54
  today
• 9:54
  can
• 9:55
  lead
• 9:55
  to
• 9:55
  big
• 9:55
  savings
• 9:56
  tomorrow.
• 9:57
  And
• 9:57
  if
• 9:57
  today's
• 9:58
  message
• 9:58
  has
• 9:58
  helped
• 9:58
  you,
• 9:59
  here's
• 9:59
  what
• 9:59
  I'm
• 9:59
  do.
• 9:59
  I
• 9:59
  want
• 9:59
  to
• 9:59
  encourage
• 10:00
  you
• 10:00
  to
• 10:00
  share
• 10:00
  this
• 10:00
  show
• 10:01
  with
• 10:01
  every
• 10:01
  single
• 10:01
  person
• 10:02
  you
• 10:02
  know.
• 10:02
  Yes,
• 10:02
  I
• 10:03
  am
• 10:03
  going
• 10:03
  that
• 10:03
  broad
• 10:04
  with
• 10:04
  it.
• 10:04
  Just
• 10:05
  send
• 10:05
  him
• 10:05
  a
• 10:05
  text,
• 10:05
  send
• 10:05
  him
• 10:06
  an
• 10:06
  email,
• 10:06
  say,
• 10:06
  hey,
• 10:06
  this
• 10:07
  guy
• 10:07
  Ralph
• 10:07
  talked
• 10:07
  about
• 10:08
  how
• 10:08
  to
• 10:08
  save
• 10:08
  money
• 10:08
  on
• 10:09
  your
• 10:09
  utilities.
• 10:09
  Because
• 10:10
  guess
• 10:10
  what?
• 10:10
  For
• 10:10
  most
• 10:10
  people,
• 10:11
  they
• 10:11
  got
• 10:11
  to
• 10:12
  pay
• 10:12
  utilities
• 10:13
  and
• 10:13
  they
• 10:13
  can
• 10:13
  benefit
• 10:14
  from
• 10:14
  this.
• 10:14
  So
• 10:14
  just
• 10:14
  send
• 10:15
  them
• 10:15
  to
• 10:15
  our
• 10:15
  website,
• 10:16
  that's
• 10:16
  Financially
• 10:17
  Confident
• 10:17
  Christian
• 10:18
  dot
• 10:18
  com.
• 10:19
  Just
• 10:19
  say
• 10:19
  to
• 10:19
  me,
• 10:19
  Ralph's
• 10:20
  got
• 10:20
  some
• 10:20
  great
• 10:20
  ideas.
• 10:21
  It's
• 10:21
  a
• 10:21
  short
• 10:21
  show.
• 10:22
  You
• 10:22
  can
• 10:22
  catch
• 10:22
  it
• 10:22
  every
• 10:22
  morning.
• 10:23
  It's
• 10:23
  about
• 10:23
  faith
• 10:24
  and
• 10:24
  finance.
• 10:24
  Again,
• 10:24
  I
• 10:25
  encourage
• 10:25
  you
• 10:25
  to
• 10:25
  share
• 10:25
  that.
• 10:26
  And
• 10:26
  listen
• 10:26
  while
• 10:26
  they're
• 10:26
  there.
• 10:27
  I
• 10:27
  got
• 10:27
  something
• 10:27
  for
• 10:28
  everybody.
• 10:29
  I
• 10:29
  just
• 10:29
  finished
• 10:29
  writing
• 10:30
  my
• 10:30
  third
• 10:30
  book.
• 10:30
  It's
• 10:31
  called
• 10:31
  Becoming
• 10:31
  a
• 10:31
  Financially
• 10:32
  Confident
• 10:32
  Christian.
• 10:33
  And
• 10:33
  I'd
• 10:33
  like
• 10:33
  to
• 10:33
  give
• 10:34
  you
• 10:34
  a
• 10:34
  copy
• 10:34
  of
• 10:34
  that
• 10:34
  book
• 10:34
  today.
• 10:35
  You
• 10:35
  just
• 10:35
  go
• 10:35
  right
• 10:35
  to
• 10:36
  this
• 10:36
  website
• 10:36
  and
• 10:37
  and
• 10:37
  you
• 10:37
  can
• 10:37
  download
• 10:37
  it
• 10:37
  for
• 10:38
  absolutely
• 10:38
  free.
• 10:38
  No
• 10:38
  strings
• 10:39
  attached.
• 10:39
  Just
• 10:40
  get
• 10:40
  it
• 10:40
  and
• 10:40
  go.
• 10:41
  Go
• 10:41
  to
• 10:41
  the
• 10:41
  website.
• 10:42
  Financiallyconfidentchristian.com/Becoming.
• 10:46
  I'm
• 10:46
  going
• 10:46
  to
• 10:46
  give
• 10:46
  you
• 10:46
  that
• 10:46
  one
• 10:46
  more
• 10:47
  time.
• 10:47
  That's
• 10:48
  financially
• 10:49
  confidentchristian.com/becoming.
• 10:52
  And
• 10:52
  download
• 10:52
  that
• 10:52
  book
• 10:53
  today,
• 10:53
  man.
• 10:53
  It
• 10:53
  is
• 10:53
  chock
• 10:54
  full
• 10:54
  of
• 10:54
  ways
• 10:55
  to
• 10:55
  help
• 10:55
  you
• 10:55
  become
• 10:56
  a
• 10:56
  more
• 10:56
  financially
• 10:57
  confident
• 10:57
  Christian.
• 10:58
  So
• 10:58
  go
• 10:58
  get
• 10:58
  that
• 10:59
  book
• 10:59
  now.
• 11:00
  Tomorrow
• 11:00
  we're
• 11:00
  going
• 11:01
  to
• 11:01
  get
• 11:01
  into
• 11:01
  that
• 11:01
  discussion.
• 11:01
  We
• 11:02
  talked
• 11:02
  the
• 11:02
  other
• 11:02
  day
• 11:02
  about
• 11:02
  death.
• 11:03
  Well,
• 11:03
  guess
• 11:03
  what
• 11:03
  we're
• 11:03
  talking
• 11:03
  about
• 11:04
  tomorrow?
• 11:04
  Taxes.
• 11:05
  We're
• 11:06
  talking
• 11:06
  about
• 11:06
  how
• 11:07
  to
• 11:07
  make
• 11:07
  tax
• 11:07
  time
• 11:08
  less
• 11:08
  taxing.
• 11:09
  You
• 11:09
  probably
• 11:09
  heard
• 11:09
  that
• 11:09
  a
• 11:09
  time
• 11:09
  or
• 11:10
  two.
• 11:10
  But
• 11:10
  listen,
• 11:10
  I
• 11:10
  got
• 11:10
  some
• 11:11
  great
• 11:11
  ideas
• 11:11
  of
• 11:12
  how
• 11:12
  to
• 11:12
  keep
• 11:12
  you
• 11:12
  from
• 11:13
  living
• 11:13
  in
• 11:13
  that
• 11:14
  constant
• 11:14
  state
• 11:14
  of
• 11:15
  stress
• 11:15
  when
• 11:15
  it
• 11:15
  comes
• 11:16
  to
• 11:16
  taxes.
• 11:16
  So
• 11:16
  make
• 11:17
  sure
• 11:17
  you
• 11:17
  join
• 11:17
  me
• 11:17
  on
• 11:17
  tomorrow's
• 11:18
  show.
• 11:18
  Now,
• 11:19
  today,
• 11:19
  let's
• 11:19
  all
• 11:19
  go
• 11:20
  out
• 11:20
  there
• 11:20
  and
• 11:20
  be
• 11:21
  financially
• 11:21
  confident
• 11:22
  Christians.
• 11:23
  I
• 11:23
  have
• 11:23
  confidence
• 11:24
  in
• 11:24
  you.
• 11:24
  Have
• 11:24
  confidence
• 11:25
  in
• 11:25
  yourself.
• 11:26
  Stay
• 11:26
  financially
• 11:27
  savvy.
• 11:27
  God
• 11:27
  bless
• 11:28
  you,
• 11:28
  and
• 11:28
  you
• 11:28
  have
• 11:28
  a
• 11:29
  great
• 11:29
  day.