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Should I Pay Off My Car or Invest My Money First? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  had
• 0:38
  money
• 0:38
  sitting
• 0:38
  there
• 0:39
  and
• 0:39
  felt
• 0:39
  stuck
• 0:40
  with
• 0:40
  what
• 0:40
  to
• 0:40
  do
• 0:40
  with
• 0:40
  it,
• 0:41
  asking
• 0:42
  yourself,
• 0:42
  should
• 0:42
  I
• 0:43
  invest
• 0:43
  it
• 0:43
  or
• 0:44
  try
• 0:44
  to
• 0:44
  grow
• 0:44
  it
• 0:45
  or
• 0:46
  maybe
• 0:46
  pay
• 0:46
  off
• 0:46
  some
• 0:46
  debt
• 0:47
  and
• 0:47
  feel
• 0:47
  that
• 0:48
  relief?
• 0:49
  If
• 0:49
  you've
• 0:49
  ever
• 0:49
  gone
• 0:50
  back
• 0:50
  and
• 0:50
  forth
• 0:50
  second
• 0:51
  guessing
• 0:51
  your
• 0:51
  decision
• 0:52
  today,
• 0:53
  I'm
• 0:53
  going
• 0:53
  to
• 0:53
  help
• 0:53
  you
• 0:54
  bring
• 0:54
  clarity
• 0:54
  to
• 0:54
  that
• 0:55
  exact
• 0:55
  tension.
• 0:56
  I
• 0:56
  got
• 0:56
  a
• 0:57
  real
• 0:57
  positive
• 0:57
  takeaway
• 0:58
  for
• 0:58
  you
• 0:58
  today.
• 1:19
  Hello,
• 1:19
  friend.
• 1:19
  Ralph
• 1:20
  Estep
• 1:20
  Jr.
• 1:21
  Here.
• 1:21
  This
• 1:22
  is
• 1:22
  financially
• 1:22
  confident
• 1:23
  Christian,
• 1:24
  where
• 1:24
  every
• 1:24
  day
• 1:24
  my
• 1:24
  goal
• 1:25
  is
• 1:25
  to
• 1:25
  help
• 1:25
  you
• 1:25
  break
• 1:26
  that
• 1:26
  cycle
• 1:26
  of
• 1:26
  financial
• 1:27
  shame
• 1:28
  and
• 1:28
  live
• 1:28
  with
• 1:28
  confidence.
• 1:29
  Now,
• 1:29
  we
• 1:30
  got
• 1:30
  a
• 1:30
  really
• 1:30
  specific
• 1:31
  question
• 1:31
  today,
• 1:32
  which
• 1:32
  I'm
• 1:32
  going
• 1:32
  to
• 1:32
  make
• 1:32
  a
• 1:33
  little
• 1:33
  bit
• 1:33
  bigger.
• 1:33
  But
• 1:33
  the
• 1:34
  question
• 1:34
  today
• 1:34
  was,
• 1:34
  should
• 1:35
  I
• 1:35
  pay
• 1:35
  off
• 1:35
  my
• 1:36
  car
• 1:36
  or
• 1:36
  invest
• 1:37
  my
• 1:37
  money
• 1:37
  first?
• 1:39
  Great
• 1:39
  question,
• 1:39
  but
• 1:39
  let's
• 1:40
  get
• 1:40
  right
• 1:40
  to
• 1:40
  it.
• 1:41
  This
• 1:41
  was
• 1:41
  sent
• 1:41
  in
• 1:41
  by
• 1:42
  email.
• 1:43
  Listener
• 1:43
  writes
• 1:44
  this.
• 1:44
  Hey
• 1:44
  there,
• 1:44
  Ralph.
• 1:45
  I'm
• 1:46
  wondering
• 1:46
  if
• 1:46
  I
• 1:46
  should
• 1:46
  invest
• 1:47
  my
• 1:47
  money
• 1:47
  or
• 1:48
  pay
• 1:48
  off
• 1:48
  my
• 1:48
  car
• 1:49
  first.
• 1:50
  The
• 1:50
  interest
• 1:50
  rate
• 1:51
  is
• 1:51
  7%
• 1:52
  and
• 1:52
  I've
• 1:52
  got
• 1:53
  $17,000
• 1:54
  left
• 1:54
  on
• 1:55
  it.
• 1:55
  I
• 1:55
  recently
• 1:56
  sold
• 1:56
  my
• 1:56
  house
• 1:57
  and
• 1:57
  have
• 1:57
  enough
• 1:57
  money
• 1:57
  to
• 1:58
  fully
• 1:58
  pay
• 1:58
  off
• 1:58
  the
• 1:59
  car
• 1:59
  while
• 2:00
  still
• 2:00
  keeping
• 2:01
  about
• 2:01
  six
• 2:01
  months
• 2:01
  of
• 2:02
  savings
• 2:02
  for
• 2:02
  emergencies.
• 2:04
  My
• 2:04
  mom
• 2:04
  keeps
• 2:04
  telling
• 2:05
  me
• 2:05
  I
• 2:05
  should
• 2:05
  invest
• 2:05
  instead,
• 2:06
  but
• 2:06
  in
• 2:07
  my
• 2:07
  mind,
• 2:08
  I
• 2:08
  feel
• 2:08
  like
• 2:08
  I
• 2:08
  should
• 2:08
  just
• 2:09
  pay
• 2:09
  off
• 2:09
  the
• 2:09
  car.
• 2:10
  Is
• 2:10
  there
• 2:10
  a
• 2:11
  good
• 2:11
  reason
• 2:11
  she's
• 2:12
  suggesting
• 2:12
  that
• 2:13
  I'd
• 2:13
  really
• 2:14
  appreciate
• 2:14
  some
• 2:15
  advice?
• 2:16
  Well,
• 2:16
  first
• 2:16
  of
• 2:16
  all,
• 2:17
  when
• 2:17
  mom
• 2:17
  says
• 2:17
  something,
• 2:18
  you
• 2:18
  got
• 2:18
  to
• 2:18
  listen.
• 2:19
  Mom's
• 2:19
  got
• 2:19
  that
• 2:20
  ability
• 2:20
  to
• 2:21
  say
• 2:21
  that.
• 2:21
  And
• 2:22
  it's
• 2:22
  really
• 2:22
  a
• 2:22
  great
• 2:23
  question.
• 2:23
  I
• 2:23
  get
• 2:23
  this
• 2:23
  question
• 2:24
  all
• 2:24
  the
• 2:24
  time
• 2:25
  because
• 2:25
  on
• 2:26
  the
• 2:26
  surface,
• 2:26
  this
• 2:27
  feels
• 2:27
  like
• 2:27
  a
• 2:27
  math
• 2:28
  decision.
• 2:29
  You're
• 2:29
  saying,
• 2:30
  I
• 2:30
  got
• 2:30
  7%,
• 2:31
  17,000,
• 2:32
  I
• 2:32
  got
• 2:32
  money
• 2:33
  in
• 2:33
  the
• 2:33
  bank.
• 2:33
  But
• 2:33
  see,
• 2:34
  underneath
• 2:34
  of
• 2:34
  this,
• 2:35
  I
• 2:35
  think
• 2:35
  it's
• 2:35
  a
• 2:35
  little
• 2:36
  deeper
• 2:36
  than
• 2:36
  that.
• 2:37
  What
• 2:37
  you're
• 2:37
  really
• 2:37
  asking
• 2:38
  me
• 2:38
  is
• 2:38
  about
• 2:39
  peace.
• 2:40
  It's
• 2:40
  about
• 2:40
  risk,
• 2:41
  and
• 2:41
  it's
• 2:42
  really
• 2:42
  about
• 2:42
  how
• 2:42
  you
• 2:42
  want
• 2:43
  to
• 2:43
  move
• 2:43
  forward.
• 2:44
  And
• 2:44
  I
• 2:44
  want
• 2:44
  you
• 2:44
  to
• 2:45
  hear
• 2:45
  this
• 2:45
  right
• 2:45
  from
• 2:45
  the
• 2:46
  jump.
• 2:46
  There
• 2:47
  isn't
• 2:47
  just
• 2:48
  one
• 2:48
  right
• 2:48
  answer.
• 2:50
  I
• 2:50
  wish
• 2:50
  I
• 2:50
  could
• 2:51
  say
• 2:51
  to
• 2:51
  you
• 2:51
  from
• 2:51
  my
• 2:51
  experience,
• 2:52
  from
• 2:52
  my
• 2:52
  professionalism,
• 2:53
  hey,
• 2:54
  go
• 2:54
  do
• 2:54
  this.
• 2:56
  There
• 2:56
  is
• 2:56
  no
• 2:56
  right
• 2:57
  answer.
• 2:57
  But
• 2:57
  I
• 2:57
  do
• 2:58
  think
• 2:58
  there's
• 2:58
  a
• 2:58
  wise
• 2:58
  way
• 2:59
  to
• 2:59
  think
• 2:59
  through
• 2:59
  it,
• 2:59
  and
• 2:59
  that's
• 3:00
  what
• 3:00
  I'm
• 3:00
  really
• 3:00
  going
• 3:00
  to
• 3:00
  help
• 3:00
  you
• 3:01
  with
• 3:01
  today.
• 3:02
  Because
• 3:02
  in
• 3:02
  the
• 3:02
  end,
• 3:03
  the
• 3:03
  best
• 3:03
  choice
• 3:04
  isn't
• 3:04
  just
• 3:04
  about
• 3:05
  maximizing
• 3:05
  returns.
• 3:06
  That's
• 3:06
  what
• 3:06
  your
• 3:06
  mom
• 3:06
  is
• 3:07
  saying.
• 3:07
  How
• 3:07
  do
• 3:07
  I
• 3:07
  maximize
• 3:08
  returns?
• 3:09
  But
• 3:09
  the
• 3:09
  best
• 3:10
  choice
• 3:10
  is
• 3:10
  about
• 3:11
  aligning
• 3:11
  your
• 3:12
  decisions
• 3:12
  with
• 3:12
  stability
• 3:13
  and
• 3:13
  peace.
• 3:14
  That's
• 3:15
  what
• 3:15
  the
• 3:15
  show
• 3:15
  is
• 3:15
  all
• 3:15
  about,
• 3:16
  stability
• 3:17
  and
• 3:17
  peace.
• 3:18
  Well,
• 3:18
  let's
• 3:18
  get
• 3:18
  right
• 3:18
  into
• 3:19
  the
• 3:19
  nitty
• 3:19
  gritty.
• 3:20
  First
• 3:20
  thing
• 3:20
  I
• 3:20
  want
• 3:20
  you
• 3:21
  to
• 3:21
  do,
• 3:21
  understand
• 3:22
  what
• 3:22
  Your
• 3:22
  interest
• 3:23
  rate
• 3:23
  is
• 3:23
  really
• 3:24
  costing
• 3:24
  you.
• 3:25
  You
• 3:25
  kind
• 3:26
  of
• 3:26
  understand
• 3:26
  this.
• 3:26
  You
• 3:26
  said,
• 3:27
  ralph,
• 3:27
  the
• 3:27
  rate
• 3:27
  is
• 3:27
  7%.
• 3:29
  That
• 3:29
  means
• 3:29
  if
• 3:29
  you're
• 3:29
  paying
• 3:30
  it
• 3:30
  off,
• 3:30
  you're
• 3:31
  guaranteeing
• 3:31
  a
• 3:32
  7%
• 3:32
  return.
• 3:33
  It's
• 3:33
  what
• 3:33
  you're
• 3:33
  going
• 3:33
  to
• 3:34
  get,
• 3:34
  right?
• 3:34
  Because
• 3:34
  you're
• 3:34
  not
• 3:34
  paying
• 3:35
  that
• 3:35
  7%.
• 3:36
  And
• 3:36
  that
• 3:37
  matters
• 3:37
  because
• 3:38
  any
• 3:38
  investment
• 3:39
  that
• 3:39
  you
• 3:39
  make
• 3:40
  would
• 3:40
  need
• 3:40
  to
• 3:40
  be
• 3:40
  consistently
• 3:41
  higher
• 3:42
  than
• 3:42
  that.
• 3:43
  What
• 3:43
  do
• 3:43
  I
• 3:43
  mean
• 3:43
  by
• 3:44
  that?
• 3:44
  If
• 3:44
  you
• 3:45
  decide
• 3:45
  to
• 3:45
  take
• 3:45
  the
• 3:46
  money
• 3:46
  that
• 3:46
  you
• 3:46
  could
• 3:46
  invest
• 3:48
  and
• 3:48
  you
• 3:48
  could
• 3:48
  earn
• 3:49
  more
• 3:49
  than
• 3:50
  7%
• 3:50
  on
• 3:50
  that
• 3:51
  investment,
• 3:52
  then
• 3:52
  keep
• 3:52
  the
• 3:52
  car
• 3:53
  loan,
• 3:53
  because
• 3:54
  the
• 3:54
  car
• 3:54
  loan
• 3:54
  is
• 3:54
  going
• 3:54
  to
• 3:55
  cost
• 3:55
  you
• 3:55
  less.
• 3:55
  But
• 3:55
  here's
• 3:55
  a
• 3:56
  great
• 3:56
  example
• 3:56
  of
• 3:56
  that.
• 3:56
  I
• 3:56
  had
• 3:57
  a
• 3:57
  client
• 3:57
  I
• 3:57
  was
• 3:57
  working
• 3:57
  with
• 3:57
  last
• 3:58
  week.
• 3:59
  Clients
• 3:59
  said
• 3:59
  to
• 3:59
  me,
• 3:59
  ralph,
• 4:00
  I've
• 4:00
  got
• 4:00
  this
• 4:00
  car
• 4:00
  loan,
• 4:01
  it's
• 4:01
  a
• 4:02
  7%
• 4:02
  interest
• 4:02
  rate.
• 4:03
  And
• 4:03
  I've
• 4:03
  also
• 4:04
  got
• 4:04
  these
• 4:04
  investments,
• 4:05
  but
• 4:05
  they're
• 4:05
  only
• 4:05
  making
• 4:05
  about
• 4:06
  3%.
• 4:07
  That's
• 4:08
  the
• 4:08
  issue,
• 4:08
  right?
• 4:09
  So
• 4:09
  you're
• 4:10
  paying
• 4:10
  7%,
• 4:11
  you're
• 4:11
  earning
• 4:11
  3.
• 4:12
  Guess
• 4:12
  what,
• 4:12
  you're
• 4:12
  losing
• 4:13
  4%.
• 4:14
  So
• 4:14
  that's
• 4:15
  where
• 4:15
  you
• 4:15
  got
• 4:15
  to
• 4:15
  start.
• 4:16
  Understand
• 4:16
  the
• 4:16
  true
• 4:17
  cost
• 4:17
  of
• 4:17
  interest.
• 4:17
  Now
• 4:18
  we
• 4:18
  can
• 4:18
  get
• 4:18
  into
• 4:18
  a
• 4:18
  whole
• 4:19
  tax
• 4:19
  discussion
• 4:20
  about
• 4:20
  the
• 4:20
  effective
• 4:21
  rate
• 4:21
  because
• 4:21
  it's
• 4:22
  tax
• 4:22
  deductible.
• 4:22
  We're
• 4:22
  just
• 4:23
  keeping
• 4:23
  it
• 4:23
  really
• 4:23
  simple.
• 4:24
  But
• 4:25
  also
• 4:25
  understand
• 4:26
  why
• 4:26
  investing
• 4:27
  is
• 4:27
  being
• 4:28
  suggested.
• 4:28
  You
• 4:28
  might
• 4:28
  be
• 4:28
  saying,
• 4:29
  well,
• 4:29
  mom
• 4:29
  is
• 4:29
  riding
• 4:30
  me
• 4:30
  about
• 4:30
  this.
• 4:31
  She
• 4:31
  doesn't
• 4:31
  understand
• 4:32
  what
• 4:32
  she's
• 4:32
  talking
• 4:32
  about,
• 4:33
  but
• 4:33
  she's
• 4:33
  not
• 4:34
  wrong
• 4:34
  in
• 4:34
  this.
• 4:35
  She's
• 4:35
  probably
• 4:36
  thinking
• 4:36
  this.
• 4:36
  Over
• 4:37
  time,
• 4:37
  the
• 4:38
  market
• 4:38
  can
• 4:38
  return
• 4:39
  more
• 4:39
  than
• 4:39
  7%.
• 4:40
  And
• 4:41
  historically,
• 4:41
  I
• 4:41
  can't
• 4:42
  argue
• 4:42
  with
• 4:42
  your
• 4:42
  mom,
• 4:43
  that
• 4:43
  can
• 4:43
  be
• 4:43
  true.
• 4:44
  But
• 4:44
  here's
• 4:45
  what
• 4:45
  your
• 4:45
  mom
• 4:45
  might
• 4:45
  be
• 4:46
  missing.
• 4:46
  And
• 4:46
  listen,
• 4:46
  I'm
• 4:46
  not
• 4:47
  calling
• 4:47
  out
• 4:47
  mom
• 4:47
  because
• 4:48
  I
• 4:48
  don't
• 4:48
  want
• 4:48
  to
• 4:48
  get
• 4:48
  you
• 4:48
  in
• 4:48
  trouble
• 4:49
  with
• 4:49
  Mom.
• 4:50
  But
• 4:50
  here's
• 4:50
  what
• 4:50
  you
• 4:50
  could
• 4:50
  be
• 4:51
  missing.
• 4:51
  Market
• 4:52
  returns
• 4:52
  are
• 4:52
  not
• 4:53
  guaranteed.
• 4:53
  The
• 4:53
  last
• 4:53
  several
• 4:54
  years,
• 4:54
  numbers
• 4:55
  have
• 4:55
  been
• 4:55
  great.
• 4:56
  I
• 4:56
  look
• 4:56
  at
• 4:56
  my
• 4:56
  own
• 4:57
  investment
• 4:57
  portfolio,
• 4:58
  it's
• 4:58
  been
• 4:58
  growing
• 4:58
  at
• 4:58
  10,
• 4:59
  12,
• 4:59
  14.
• 5:00
  I
• 5:00
  had
• 5:00
  a
• 5:00
  couple
• 5:01
  years
• 5:01
  ago
• 5:01
  where
• 5:01
  it
• 5:02
  grew
• 5:02
  at
• 5:02
  18%.
• 5:03
  Hey,
• 5:03
  that's
• 5:03
  a
• 5:04
  no
• 5:04
  brainer.
• 5:04
  If
• 5:04
  I
• 5:05
  can
• 5:05
  make
• 5:05
  18%
• 5:06
  and
• 5:06
  it's
• 5:06
  only
• 5:07
  costing
• 5:07
  me
• 5:07
  seven,
• 5:08
  hey,
• 5:08
  I'm
• 5:08
  making
• 5:08
  money
• 5:09
  on
• 5:09
  that
• 5:09
  deal.
• 5:10
  But
• 5:11
  those
• 5:11
  things
• 5:11
  aren't
• 5:11
  guaranteed.
• 5:12
  Timing
• 5:13
  matters.
• 5:13
  And
• 5:14
  listen,
• 5:14
  short
• 5:15
  term
• 5:15
  volatility
• 5:15
  is
• 5:16
  real.
• 5:16
  But
• 5:17
  right
• 5:17
  now,
• 5:17
  as
• 5:17
  I
• 5:17
  record
• 5:18
  this
• 5:18
  episode,
• 5:19
  in
• 5:19
  the
• 5:19
  United
• 5:19
  States,
• 5:20
  we're
• 5:20
  in
• 5:21
  the
• 5:21
  midst
• 5:21
  of
• 5:21
  a
• 5:21
  very
• 5:22
  volatile
• 5:22
  financial
• 5:23
  situation.
• 5:24
  Prices
• 5:25
  are
• 5:25
  going
• 5:25
  up,
• 5:25
  specifically
• 5:26
  oil
• 5:26
  prices.
• 5:27
  So
• 5:27
  you
• 5:28
  have
• 5:28
  to
• 5:28
  realize
• 5:28
  that
• 5:29
  there's
• 5:29
  volatility
• 5:29
  in
• 5:30
  this.
• 5:30
  And
• 5:30
  what
• 5:30
  might
• 5:30
  seem
• 5:31
  like
• 5:31
  a
• 5:31
  simple
• 5:32
  decision
• 5:33
  might
• 5:33
  not
• 5:33
  be
• 5:33
  so
• 5:34
  simple.
• 5:34
  This
• 5:35
  isn't
• 5:35
  just
• 5:35
  about
• 5:36
  potential.
• 5:36
  It's
• 5:37
  about
• 5:37
  certainty
• 5:38
  versus
• 5:38
  risk.
• 5:38
  That's
• 5:38
  what
• 5:38
  I
• 5:38
  mentioned.
• 5:40
  But
• 5:40
  how
• 5:40
  do
• 5:40
  you
• 5:40
  make
• 5:40
  a
• 5:41
  practical
• 5:41
  decision?
• 5:42
  I
• 5:42
  first
• 5:42
  think
• 5:42
  you
• 5:42
  need
• 5:42
  to
• 5:43
  do
• 5:43
  is
• 5:43
  look,
• 5:43
  look
• 5:44
  at
• 5:44
  your
• 5:44
  current
• 5:44
  foundation.
• 5:46
  And
• 5:46
  I
• 5:46
  love
• 5:46
  how
• 5:46
  you
• 5:47
  said
• 5:47
  this,
• 5:47
  because
• 5:48
  this
• 5:48
  is
• 5:48
  where
• 5:48
  your
• 5:48
  situation
• 5:49
  stands
• 5:49
  out
• 5:50
  in
• 5:50
  a
• 5:50
  good
• 5:50
  way.
• 5:51
  One
• 5:51
  of
• 5:51
  the
• 5:51
  things
• 5:51
  you
• 5:52
  mentioned,
• 5:52
  you
• 5:52
  said,
• 5:52
  ralph,
• 5:53
  I
• 5:53
  already
• 5:53
  have
• 5:53
  six
• 5:54
  months,
• 5:54
  nine
• 5:54
  months
• 5:55
  of
• 5:55
  emergency
• 5:55
  savings.
• 5:56
  I
• 5:56
  don't
• 5:56
  remember
• 5:56
  exactly
• 5:56
  what
• 5:56
  you
• 5:56
  said,
• 5:57
  but
• 5:57
  you
• 5:57
  had
• 5:57
  a
• 5:57
  lot.
• 5:58
  You
• 5:58
  have
• 5:59
  the
• 5:59
  ability
• 5:59
  to
• 5:59
  fully
• 6:00
  pay
• 6:00
  off
• 6:00
  the
• 6:00
  car.
• 6:00
  Hey,
• 6:01
  that's
• 6:01
  a
• 6:01
  great
• 6:01
  place
• 6:01
  to
• 6:02
  be.
• 6:02
  You
• 6:03
  have
• 6:03
  this
• 6:03
  money
• 6:03
  sitting
• 6:04
  on
• 6:04
  the
• 6:04
  side,
• 6:04
  and
• 6:04
  at
• 6:05
  any
• 6:05
  moment
• 6:05
  you
• 6:05
  could
• 6:06
  say,
• 6:06
  ralph,
• 6:06
  I
• 6:06
  could
• 6:06
  just
• 6:06
  pay
• 6:07
  that
• 6:07
  thing
• 6:07
  off.
• 6:08
  That's
• 6:08
  a
• 6:08
  beautiful
• 6:09
  place
• 6:09
  to
• 6:09
  be.
• 6:09
  That
• 6:10
  means
• 6:10
  you're
• 6:10
  using
• 6:10
  credit
• 6:11
  wisely,
• 6:12
  which
• 6:12
  means
• 6:12
  you've
• 6:12
  got
• 6:13
  margin
• 6:13
  to
• 6:13
  make
• 6:13
  a
• 6:14
  thoughtful
• 6:14
  decision.
• 6:14
  A
• 6:15
  lot
• 6:15
  of
• 6:15
  people
• 6:15
  don't
• 6:16
  live
• 6:16
  in
• 6:16
  that
• 6:16
  same
• 6:17
  place,
• 6:18
  but
• 6:18
  that
• 6:18
  is
• 6:18
  a
• 6:18
  super
• 6:19
  strong
• 6:19
  position.
• 6:20
  You're
• 6:20
  not
• 6:21
  in
• 6:21
  this
• 6:21
  place
• 6:21
  of
• 6:21
  pressure.
• 6:22
  You're
• 6:23
  not
• 6:23
  in
• 6:23
  this
• 6:23
  place
• 6:23
  of,
• 6:23
  well,
• 6:24
  I
• 6:24
  have
• 6:24
  no
• 6:24
  other
• 6:24
  choices,
• 6:24
  Rob,
• 6:25
  you're
• 6:25
  making
• 6:25
  a
• 6:26
  choice
• 6:26
  from
• 6:26
  stability,
• 6:27
  which
• 6:27
  makes
• 6:27
  this
• 6:28
  so
• 6:28
  much
• 6:28
  easier.
• 6:29
  But
• 6:30
  I
• 6:30
  want
• 6:30
  to
• 6:30
  key
• 6:30
  in
• 6:30
  on
• 6:30
  something
• 6:31
  you
• 6:31
  mentioned
• 6:31
  here.
• 6:32
  I
• 6:32
  want
• 6:32
  you
• 6:33
  to
• 6:33
  really
• 6:33
  think
• 6:33
  about
• 6:33
  the
• 6:34
  emotional
• 6:34
  and
• 6:35
  financial
• 6:35
  weight
• 6:36
  of
• 6:36
  debt.
• 6:36
  I
• 6:37
  want
• 6:37
  to
• 6:37
  get
• 6:37
  real
• 6:37
  practical.
• 6:39
  What
• 6:39
  changes
• 6:40
  in
• 6:40
  your
• 6:40
  life
• 6:40
  if
• 6:41
  this
• 6:41
  car
• 6:41
  is
• 6:41
  paid
• 6:41
  off?
• 6:42
  Because
• 6:42
  this
• 6:42
  is
• 6:42
  really
• 6:43
  not
• 6:43
  just
• 6:43
  a
• 6:43
  math
• 6:44
  decision.
• 6:44
  It's
• 6:45
  an
• 6:45
  emotional
• 6:46
  decision.
• 6:46
  But
• 6:46
  think
• 6:47
  about
• 6:47
  it
• 6:47
  in
• 6:47
  your
• 6:47
  own
• 6:47
  mind.
• 6:48
  What's
• 6:48
  changing
• 6:48
  if
• 6:49
  your
• 6:49
  car
• 6:49
  gets
• 6:49
  paid
• 6:50
  off?
• 6:50
  You
• 6:50
  might
• 6:51
  be
• 6:51
  thinking,
• 6:51
  well,
• 6:51
  Ralph,
• 6:51
  I'd
• 6:52
  have
• 6:52
  no
• 6:52
  monthly
• 6:52
  payment.
• 6:53
  That's
• 6:53
  great.
• 6:54
  What
• 6:54
  are
• 6:55
  you
• 6:55
  going
• 6:55
  to
• 6:55
  do
• 6:55
  with
• 6:55
  that
• 6:55
  money?
• 6:56
  If
• 6:56
  you
• 6:56
  don't
• 6:56
  have
• 6:56
  a
• 6:56
  monthly
• 6:57
  payment,
• 6:57
  your
• 6:57
  cash
• 6:58
  flow
• 6:58
  gets
• 6:58
  better.
• 6:59
  Great.
• 7:00
  You
• 7:00
  have
• 7:01
  less
• 7:01
  financial
• 7:01
  pressure.
• 7:02
  You
• 7:02
  have
• 7:03
  more
• 7:03
  flexibility
• 7:03
  moving
• 7:04
  forward.
• 7:05
  But
• 7:05
  that's
• 7:05
  why
• 7:05
  I
• 7:05
  say
• 7:05
  this
• 7:06
  is
• 7:06
  not
• 7:06
  just
• 7:06
  a
• 7:07
  financial
• 7:07
  decision.
• 7:08
  This
• 7:08
  is
• 7:08
  a
• 7:09
  mental
• 7:09
  decision.
• 7:09
  There's
• 7:10
  mental
• 7:10
  space
• 7:11
  here.
• 7:11
  And
• 7:12
  a
• 7:12
  lot
• 7:12
  of
• 7:12
  people.
• 7:13
  I
• 7:13
  counsel
• 7:13
  clients
• 7:14
  like
• 7:14
  this
• 7:14
  all
• 7:14
  the
• 7:14
  time.
• 7:14
  They'll
• 7:14
  say
• 7:15
  to
• 7:15
  me,
• 7:15
  ralph,
• 7:15
  we
• 7:15
  could
• 7:16
  pay
• 7:16
  off
• 7:16
  our
• 7:16
  house
• 7:16
  right
• 7:16
  now.
• 7:17
  We
• 7:17
  take
• 7:17
  the
• 7:17
  money
• 7:18
  out
• 7:18
  of
• 7:18
  our
• 7:18
  investments
• 7:19
  and
• 7:19
  pay
• 7:19
  it
• 7:19
  off.
• 7:19
  And
• 7:20
  I
• 7:20
  know,
• 7:20
  Ralph,
• 7:20
  you've
• 7:20
  told
• 7:21
  me
• 7:21
  that
• 7:21
  my
• 7:21
  investments
• 7:22
  are
• 7:22
  making
• 7:22
  more
• 7:22
  than
• 7:22
  my
• 7:23
  interest
• 7:23
  rate,
• 7:23
  but
• 7:23
  I
• 7:24
  just
• 7:24
  want
• 7:24
  to
• 7:24
  have
• 7:25
  peace
• 7:25
  of
• 7:25
  mind
• 7:25
  knowing
• 7:26
  that
• 7:26
  my
• 7:26
  house
• 7:26
  is
• 7:27
  mine.
• 7:27
  Hey,
• 7:28
  there's
• 7:28
  a
• 7:29
  lot
• 7:29
  of
• 7:29
  value
• 7:29
  to
• 7:29
  that.
• 7:30
  Where
• 7:30
  it
• 7:31
  might
• 7:31
  not
• 7:31
  be
• 7:31
  the
• 7:31
  best
• 7:32
  financial
• 7:32
  decision,
• 7:33
  it
• 7:34
  might
• 7:34
  be
• 7:34
  the
• 7:34
  best
• 7:34
  decision
• 7:35
  for
• 7:35
  you.
• 7:35
  And
• 7:35
  that's
• 7:36
  what
• 7:36
  matters
• 7:36
  more
• 7:37
  here
• 7:37
  than
• 7:37
  that
• 7:37
  math
• 7:38
  decision.
• 7:39
  So
• 7:39
  you've
• 7:39
  got
• 7:39
  to
• 7:40
  make
• 7:40
  a
• 7:40
  choice
• 7:41
  to
• 7:41
  choose
• 7:41
  a
• 7:42
  path
• 7:42
  that
• 7:42
  you
• 7:43
  can
• 7:43
  stay
• 7:43
  consistent
• 7:44
  with.
• 7:44
  And
• 7:44
  here's
• 7:44
  where
• 7:45
  the
• 7:45
  wisdom
• 7:45
  comes
• 7:45
  in.
• 7:46
  Here's
• 7:46
  what
• 7:46
  you
• 7:46
  could
• 7:47
  do,
• 7:47
  you've
• 7:47
  already
• 7:48
  said
• 7:48
  it.
• 7:48
  I
• 7:48
  could
• 7:48
  pay
• 7:48
  off
• 7:48
  the
• 7:49
  car
• 7:49
  now
• 7:49
  and
• 7:50
  then.
• 7:50
  I
• 7:50
  could
• 7:50
  invest
• 7:51
  that
• 7:51
  freed
• 7:51
  up
• 7:51
  money
• 7:52
  monthly.
• 7:52
  I
• 7:52
  can
• 7:52
  make
• 7:53
  money
• 7:53
  with
• 7:53
  that.
• 7:54
  But
• 7:54
  here's
• 7:54
  something
• 7:54
  you
• 7:54
  hadn't
• 7:55
  thought
• 7:55
  about.
• 7:56
  Maybe
• 7:56
  you
• 7:56
  do
• 7:56
  this.
• 7:56
  This
• 7:57
  make
• 7:57
  mom
• 7:57
  happy
• 7:57
  and
• 7:58
  you
• 7:58
  happy
• 7:58
  at
• 7:58
  the
• 7:58
  same
• 7:58
  time.
• 7:59
  Maybe
• 7:59
  you
• 8:00
  split
• 8:00
  the
• 8:00
  money.
• 8:01
  Maybe
• 8:01
  you
• 8:01
  make
• 8:01
  extra
• 8:02
  principal
• 8:02
  payments
• 8:02
  on
• 8:03
  the
• 8:03
  car
• 8:03
  every
• 8:03
  month
• 8:03
  and
• 8:04
  then
• 8:04
  you
• 8:04
  invest
• 8:04
  the
• 8:04
  rest
• 8:05
  of
• 8:05
  that.
• 8:06
  But
• 8:06
  like
• 8:06
  I
• 8:06
  said
• 8:06
  at
• 8:06
  the
• 8:07
  beginning,
• 8:07
  whichever
• 8:08
  you
• 8:08
  choose,
• 8:09
  you've
• 8:09
  got
• 8:09
  to
• 8:10
  make
• 8:10
  a
• 8:10
  decision
• 8:11
  that
• 8:11
  you
• 8:11
  won't
• 8:11
  second
• 8:12
  guess
• 8:12
  every
• 8:13
  month.
• 8:14
  If
• 8:14
  you
• 8:14
  listen
• 8:15
  to
• 8:15
  nothing
• 8:15
  else
• 8:15
  I
• 8:15
  say
• 8:16
  on
• 8:16
  the
• 8:16
  show,
• 8:17
  consistency
• 8:18
  is
• 8:18
  what
• 8:18
  builds
• 8:19
  momentum.
• 8:20
  But
• 8:20
  I
• 8:20
  want
• 8:20
  to
• 8:20
  go
• 8:21
  a
• 8:21
  little
• 8:21
  deeper
• 8:21
  here.
• 8:22
  Take
• 8:22
  a
• 8:22
  minute
• 8:22
  of
• 8:23
  faith
• 8:23
  here.
• 8:24
  Because
• 8:24
  decisions
• 8:25
  like
• 8:25
  this
• 8:25
  can
• 8:26
  quietly
• 8:26
  carry
• 8:26
  pressure.
• 8:27
  I
• 8:27
  can
• 8:28
  already
• 8:28
  hear
• 8:28
  the
• 8:28
  pressure.
• 8:29
  You've
• 8:29
  got
• 8:29
  mom
• 8:30
  talking
• 8:30
  over
• 8:30
  here
• 8:31
  and
• 8:31
  you've
• 8:31
  got
• 8:31
  yourself
• 8:32
  over
• 8:32
  here
• 8:33
  and
• 8:33
  you've
• 8:33
  got
• 8:33
  this
• 8:34
  fear
• 8:34
  of
• 8:34
  making
• 8:34
  the
• 8:35
  wrong
• 8:35
  move.
• 8:36
  You
• 8:36
  got
• 8:36
  that
• 8:36
  fear
• 8:37
  of
• 8:37
  missing
• 8:37
  out.
• 8:38
  You
• 8:38
  got
• 8:38
  that
• 8:38
  fear
• 8:39
  regret.
• 8:40
  But
• 8:40
  here's
• 8:41
  the
• 8:41
  thing.
• 8:42
  God's
• 8:42
  not
• 8:42
  waiting
• 8:43
  on
• 8:43
  the
• 8:43
  sideline
• 8:43
  to
• 8:44
  correct
• 8:44
  you
• 8:44
  after
• 8:44
  a
• 8:45
  mistake.
• 8:45
  That's
• 8:46
  not
• 8:46
  the
• 8:46
  kind
• 8:46
  of
• 8:46
  God
• 8:46
  we
• 8:47
  have.
• 8:47
  He's
• 8:47
  walking
• 8:48
  with
• 8:48
  you
• 8:48
  as
• 8:48
  you
• 8:49
  decide,
• 8:50
  even
• 8:50
  in
• 8:50
  this
• 8:50
  decision.
• 8:51
  So
• 8:51
  listen,
• 8:51
  let's
• 8:51
  not
• 8:51
  forget
• 8:52
  about
• 8:52
  this.
• 8:53
  Maybe
• 8:54
  you
• 8:54
  drop
• 8:54
  a
• 8:54
  prayer
• 8:54
  right
• 8:55
  now,
• 8:55
  say,
• 8:55
  lord,
• 8:55
  guide
• 8:56
  me
• 8:56
  in
• 8:56
  this
• 8:56
  decision.
• 8:57
  Help
• 8:57
  me
• 8:58
  to
• 8:58
  choose
• 8:58
  what
• 8:58
  I
• 8:59
  should
• 8:59
  do
• 8:59
  with
• 8:59
  wisdom
• 9:00
  and
• 9:00
  peace.
• 9:00
  And
• 9:00
  he'll
• 9:01
  talk
• 9:01
  to
• 9:01
  you.
• 9:02
  Because
• 9:02
  in
• 9:03
  the
• 9:03
  end,
• 9:03
  you
• 9:03
  don't
• 9:04
  need
• 9:04
  a
• 9:04
  perfect
• 9:04
  decision.
• 9:06
  You
• 9:06
  just
• 9:06
  need
• 9:07
  a
• 9:07
  peaceful
• 9:07
  one.
• 9:09
  So
• 9:09
  here's
• 9:10
  your
• 9:10
  win
• 9:10
  for
• 9:10
  today.
• 9:12
  It's
• 9:12
  time
• 9:12
  to
• 9:12
  decide
• 9:13
  your
• 9:13
  direction
• 9:14
  because
• 9:14
  I
• 9:14
  can
• 9:14
  already
• 9:14
  sense
• 9:15
  the
• 9:15
  emotions
• 9:15
  and
• 9:16
  your
• 9:16
  emotions
• 9:16
  are
• 9:16
  gonna
• 9:17
  take
• 9:17
  over.
• 9:17
  It's
• 9:17
  like
• 9:17
  riding
• 9:18
  a
• 9:18
  roller
• 9:18
  coaster.
• 9:18
  You
• 9:19
  got
• 9:19
  your
• 9:19
  hands
• 9:19
  gripped
• 9:20
  up
• 9:20
  and
• 9:20
  down.
• 9:20
  Talk
• 9:20
  to
• 9:21
  mom.
• 9:21
  Talk
• 9:21
  to
• 9:21
  your.
• 9:22
  But
• 9:22
  you've
• 9:23
  got
• 9:23
  to
• 9:23
  write
• 9:23
  down
• 9:23
  this
• 9:24
  sentence,
• 9:24
  I'm
• 9:25
  choosing
• 9:25
  to,
• 9:25
  and
• 9:26
  then
• 9:26
  fill
• 9:26
  in
• 9:26
  the
• 9:26
  blanks
• 9:27
  because
• 9:27
  it
• 9:27
  supports
• 9:28
  my
• 9:28
  long
• 9:28
  term
• 9:29
  stability
• 9:29
  plan.
• 9:30
  Write
• 9:30
  that
• 9:30
  down.
• 9:32
  That
• 9:32
  clear
• 9:33
  decision
• 9:33
  is
• 9:33
  going
• 9:34
  to
• 9:34
  remove
• 9:34
  that
• 9:34
  ongoing
• 9:35
  stress.
• 9:35
  And
• 9:35
  that
• 9:35
  depends
• 9:36
  on
• 9:36
  the
• 9:36
  person.
• 9:37
  Again,
• 9:37
  I
• 9:38
  go
• 9:38
  back
• 9:38
  to.
• 9:38
  I'm
• 9:39
  not
• 9:39
  telling
• 9:39
  you
• 9:39
  what
• 9:39
  to
• 9:39
  do.
• 9:40
  I
• 9:40
  can
• 9:41
  tell
• 9:41
  you
• 9:41
  financially
• 9:42
  if
• 9:42
  you
• 9:42
  can
• 9:42
  make
• 9:42
  more
• 9:43
  money
• 9:43
  in
• 9:43
  the
• 9:43
  market
• 9:44
  than
• 9:44
  what
• 9:44
  the
• 9:44
  interest
• 9:44
  is
• 9:45
  costing
• 9:45
  you
• 9:45
  from
• 9:45
  a
• 9:45
  financial
• 9:46
  Check
• 9:46
  the
• 9:46
  box.
• 9:46
  It's
• 9:47
  easy.
• 9:47
  But
• 9:48
  you
• 9:48
  might
• 9:48
  be
• 9:48
  saying
• 9:48
  to
• 9:48
  Ralph,
• 9:49
  I've
• 9:49
  never
• 9:49
  owned
• 9:49
  a
• 9:50
  car.
• 9:50
  I
• 9:50
  never
• 9:51
  had
• 9:51
  a
• 9:51
  position
• 9:51
  where
• 9:52
  I
• 9:52
  own
• 9:52
  my
• 9:52
  car
• 9:53
  outright.
• 9:53
  That
• 9:53
  may
• 9:53
  be
• 9:54
  a
• 9:54
  decision
• 9:55
  that
• 9:55
  makes
• 9:55
  your
• 9:55
  heart
• 9:56
  feel
• 9:56
  great.
• 9:57
  You've
• 9:58
  got
• 9:58
  to
• 9:58
  decide
• 9:58
  what
• 9:58
  works
• 9:59
  best
• 9:59
  for
• 9:59
  you.
• 9:59
  Well,
• 10:00
  let's
• 10:00
  get
• 10:00
  into
• 10:00
  the
• 10:00
  word
• 10:01
  of
• 10:01
  God.
• 10:01
  We're
• 10:01
  going
• 10:01
  to
• 10:01
  go
• 10:01
  to
• 10:02
  book
• 10:02
  of
• 10:02
  James
• 10:02
  chapter
• 10:03
  one,
• 10:03
  verse
• 10:04
  five.
• 10:05
  And
• 10:05
  this
• 10:05
  just
• 10:06
  nails
• 10:06
  exactly
• 10:06
  what
• 10:06
  we're
• 10:07
  talking
• 10:07
  about
• 10:07
  again,
• 10:07
  James
• 10:08
  1:5.
• 10:09
  If
• 10:09
  any
• 10:10
  of
• 10:10
  you
• 10:10
  lacks
• 10:10
  wisdom,
• 10:11
  you
• 10:11
  should
• 10:12
  ask
• 10:12
  God,
• 10:12
  who
• 10:13
  gives
• 10:13
  generously
• 10:14
  to
• 10:14
  all
• 10:14
  without
• 10:15
  finding
• 10:15
  fault,
• 10:16
  and
• 10:16
  it
• 10:16
  will
• 10:17
  be
• 10:17
  given
• 10:17
  to
• 10:18
  you.
• 10:20
  I
• 10:20
  like
• 10:20
  that
• 10:20
  one.
• 10:21
  Just
• 10:21
  ask
• 10:21
  for
• 10:21
  God.
• 10:22
  And
• 10:22
  he
• 10:22
  said,
• 10:22
  hey,
• 10:22
  I'll
• 10:22
  give
• 10:22
  you
• 10:22
  the
• 10:23
  wisdom.
• 10:24
  Because
• 10:24
  God
• 10:25
  invites
• 10:25
  you
• 10:25
  to
• 10:25
  seek
• 10:26
  his
• 10:26
  wisdoms
• 10:26
  in
• 10:27
  decisions
• 10:27
  just
• 10:28
  like
• 10:28
  this.
• 10:29
  Yes,
• 10:29
  God
• 10:30
  wants
• 10:30
  to
• 10:30
  give
• 10:30
  you
• 10:30
  decisions
• 10:31
  on
• 10:31
  money.
• 10:32
  God
• 10:32
  wants
• 10:32
  to
• 10:33
  give
• 10:33
  you
• 10:33
  decisions
• 10:34
  on
• 10:34
  buying
• 10:34
  a
• 10:34
  car,
• 10:35
  paying
• 10:35
  off
• 10:35
  a
• 10:36
  car.
• 10:36
  And
• 10:36
  he
• 10:37
  wants
• 10:37
  to
• 10:37
  do
• 10:37
  it
• 10:37
  without
• 10:37
  fear
• 10:38
  or
• 10:38
  pressure.
• 10:39
  So
• 10:39
  take
• 10:39
  it
• 10:39
  to
• 10:39
  him.
• 10:40
  Let's
• 10:40
  do
• 10:40
  that
• 10:41
  right
• 10:41
  now,
• 10:41
  together.
• 10:42
  Heavenly
• 10:42
  Father,
• 10:43
  I
• 10:43
  lift
• 10:44
  up
• 10:44
  my
• 10:44
  friend
• 10:44
  who's
• 10:45
  trying
• 10:45
  to
• 10:45
  make
• 10:45
  a
• 10:45
  wise
• 10:46
  decision.
• 10:47
  And
• 10:47
  you
• 10:47
  see
• 10:48
  their
• 10:48
  heart,
• 10:48
  Lord,
• 10:49
  you
• 10:49
  see
• 10:49
  their
• 10:49
  desire,
• 10:50
  you
• 10:50
  see
• 10:51
  their
• 10:51
  ability
• 10:51
  to
• 10:52
  handle
• 10:52
  what
• 10:52
  they've
• 10:52
  been
• 10:53
  given.
• 10:54
  And
• 10:54
  Lord,
• 10:55
  I
• 10:55
  just
• 10:55
  want
• 10:55
  you
• 10:55
  to
• 10:56
  remove
• 10:56
  that
• 10:56
  confusion
• 10:57
  and
• 10:57
  that
• 10:57
  pressure.
• 10:58
  Give
• 10:59
  them
• 10:59
  wisdom
• 10:59
  to
• 10:59
  see
• 11:00
  clearly,
• 11:00
  Lord,
• 11:00
  and
• 11:01
  peace
• 11:01
  to
• 11:01
  move
• 11:02
  forward
• 11:02
  confidently
• 11:03
  in
• 11:03
  whatever
• 11:03
  they
• 11:03
  decide
• 11:03
  to
• 11:04
  do.
• 11:05
  Help
• 11:05
  them
• 11:06
  not
• 11:06
  to
• 11:06
  be
• 11:06
  driven
• 11:06
  by
• 11:07
  fear,
• 11:07
  Lord,
• 11:07
  or
• 11:08
  comparison
• 11:08
  or
• 11:09
  second
• 11:09
  guessing,
• 11:10
  but
• 11:11
  help
• 11:11
  them
• 11:11
  to
• 11:11
  be
• 11:11
  driven
• 11:12
  by
• 11:12
  steady
• 11:12
  and
• 11:13
  grounded
• 11:13
  decisions.
• 11:15
  Lord,
• 11:15
  we
• 11:16
  know
• 11:16
  that
• 11:16
  you
• 11:16
  guide
• 11:16
  all
• 11:17
  of
• 11:17
  us
• 11:18
  even
• 11:18
  in
• 11:18
  choices
• 11:19
  like
• 11:19
  this.
• 11:19
  And
• 11:20
  I
• 11:20
  ask
• 11:20
  this
• 11:20
  in
• 11:21
  the
• 11:21
  name
• 11:21
  of
• 11:21
  Jesus.
• 11:23
  Amen,
• 11:24
  friend.
• 11:24
  Wisdom
• 11:25
  isn't
• 11:25
  about
• 11:25
  doing
• 11:26
  more.
• 11:27
  It's
• 11:27
  about
• 11:27
  choosing
• 11:28
  well.
• 11:28
  And
• 11:28
  you've
• 11:28
  got
• 11:28
  a
• 11:29
  decision
• 11:29
  to
• 11:29
  make.
• 11:30
  I
• 11:30
  know
• 11:30
  you'll
• 11:31
  make
• 11:31
  the
• 11:31
  right
• 11:31
  decision.
• 11:32
  And
• 11:32
  if
• 11:33
  you're
• 11:33
  stuck
• 11:33
  between
• 11:33
  two
• 11:34
  financial
• 11:34
  choices
• 11:35
  just
• 11:35
  like
• 11:35
  this,
• 11:36
  I
• 11:36
  want
• 11:36
  to
• 11:36
  encourage
• 11:37
  you,
• 11:37
  I
• 11:37
  want
• 11:37
  to
• 11:37
  hear
• 11:37
  from
• 11:38
  you,
• 11:38
  I
• 11:38
  want
• 11:38
  to
• 11:39
  hear
• 11:39
  your
• 11:39
  voice.
• 11:40
  You
• 11:40
  can
• 11:40
  go
• 11:40
  to
• 11:40
  financiallyconfidentchristian.com/voicemail
• 11:44
  we'll
• 11:44
  put
• 11:44
  a
• 11:45
  link
• 11:45
  in
• 11:45
  the
• 11:45
  show
• 11:45
  notes.
• 11:45
  It's
• 11:46
  super
• 11:46
  simple.
• 11:46
  You
• 11:46
  click
• 11:47
  on
• 11:47
  the
• 11:47
  link
• 11:47
  and
• 11:48
  you
• 11:48
  record
• 11:48
  your
• 11:48
  voice
• 11:49
  and
• 11:49
  bam,
• 11:49
  I've
• 11:49
  got
• 11:50
  it.
• 11:50
  And
• 11:50
  I'll
• 11:50
  play
• 11:51
  your
• 11:51
  question
• 11:51
  on
• 11:51
  the
• 11:51
  show.
• 11:52
  I'll
• 11:52
  answer
• 11:53
  your
• 11:53
  question
• 11:53
  directly.
• 11:54
  Again,
• 11:54
  go
• 11:54
  to
• 11:55
  financiallyconfidentchristian.com/voicemail
• 11:59
  I
• 11:59
  want
• 11:59
  to
• 11:59
  thank
• 11:59
  you
• 12:00
  so
• 12:00
  much
• 12:00
  for
• 12:00
  joining
• 12:01
  me
• 12:01
  today.
• 12:01
  I
• 12:02
  want
• 12:02
  to
• 12:02
  encourage
• 12:02
  you
• 12:03
  stay
• 12:03
  financially
• 12:04
  savvy.
• 12:04
  May
• 12:04
  God
• 12:05
  bless
• 12:05
  you
• 12:05
  and
• 12:06
  you
• 12:06
  have
• 12:06
  a
• 12:06
  great
• 12:07
  day
• 12:07
  today.