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Why Do I Feel Guilty Spending Money on Myself? · Becoming Financially Confident

• 0:37
  Think
• 0:37
  about
• 0:38
  this.
• 0:38
  You
• 0:39
  can
• 0:39
  swipe
• 0:39
  your
• 0:39
  card
• 0:40
  for
• 0:40
  your
• 0:40
  family
• 0:40
  in
• 0:41
  a
• 0:41
  heartbeat.
• 0:42
  There's
• 0:42
  no
• 0:42
  debate
• 0:43
  and
• 0:44
  zero
• 0:44
  guilt.
• 0:45
  But
• 0:46
  the
• 0:46
  moment
• 0:46
  it's
• 0:46
  something
• 0:46
  for
• 0:47
  you,
• 0:47
  all
• 0:48
  of
• 0:48
  a
• 0:48
  sudden
• 0:48
  your
• 0:48
  hand
• 0:49
  freezes
• 0:50
  and
• 0:50
  your
• 0:50
  mind
• 0:50
  starts
• 0:51
  accusing
• 0:51
  you.
• 0:53
  Today
• 0:53
  on
• 0:53
  this
• 0:53
  show,
• 0:53
  I'm
• 0:53
  going
• 0:54
  to
• 0:54
  talk
• 0:54
  about
• 0:54
  what
• 0:54
  you
• 0:54
  can
• 0:54
  do
• 0:55
  next
• 0:55
  to
• 0:55
  spend
• 0:55
  with
• 0:56
  wisdom
• 0:57
  without
• 0:57
  feeling
• 0:58
  like
• 0:58
  you're
• 0:58
  doing
• 0:58
  something
• 0:58
  wrong.
• 1:21
  Hello,
• 1:22
  friend.
• 1:22
  Ralph
• 1:23
  Estep
• 1:23
  Jr.
• 1:24
  Here.
• 1:24
  This
• 1:24
  is
• 1:25
  Financially
• 1:25
  Confident
• 1:26
  Christian,
• 1:26
  where
• 1:27
  every
• 1:27
  day
• 1:27
  I'm
• 1:27
  helping
• 1:28
  you
• 1:28
  break
• 1:28
  that
• 1:28
  cycle
• 1:29
  of
• 1:29
  financial
• 1:30
  shame
• 1:30
  and
• 1:31
  do
• 1:31
  it
• 1:31
  with
• 1:31
  confidence.
• 1:32
  And
• 1:33
  today's
• 1:33
  topic
• 1:33
  hits
• 1:34
  close
• 1:34
  to
• 1:34
  home
• 1:34
  for
• 1:35
  so
• 1:35
  many
• 1:35
  of
• 1:35
  us,
• 1:36
  and
• 1:36
  that's
• 1:37
  why
• 1:37
  spending
• 1:37
  on
• 1:38
  ourselves
• 1:38
  feels
• 1:39
  wrong.
• 1:39
  But
• 1:39
  bigger
• 1:39
  than
• 1:40
  that,
• 1:41
  I'm
• 1:41
  going
• 1:41
  to
• 1:41
  talk
• 1:41
  to
• 1:41
  you
• 1:41
  about
• 1:42
  how
• 1:42
  to
• 1:42
  choose
• 1:42
  healthy
• 1:43
  God,
• 1:43
  honoring
• 1:44
  self
• 1:44
  care
• 1:45
  without
• 1:45
  guilt.
• 1:46
  Well,
• 1:46
  let's
• 1:47
  get
• 1:47
  right
• 1:47
  into
• 1:47
  today's
• 1:48
  question.
• 1:49
  Listener
• 1:50
  wrote
• 1:50
  this
• 1:50
  Ralph
• 1:51
  I'll
• 1:51
  buy
• 1:52
  things
• 1:52
  for
• 1:52
  my
• 1:52
  family
• 1:53
  without
• 1:53
  hesitation,
• 1:55
  but
• 1:55
  the
• 1:55
  moment
• 1:55
  I
• 1:56
  think
• 1:56
  about
• 1:56
  getting
• 1:56
  something
• 1:56
  for
• 1:57
  myself,
• 1:58
  I
• 1:58
  just
• 1:59
  freeze
• 1:59
  up.
• 2:00
  Even
• 2:00
  normal
• 2:01
  stuff
• 2:02
  like
• 2:02
  new
• 2:02
  shoes
• 2:03
  or
• 2:03
  going
• 2:04
  out
• 2:04
  for
• 2:04
  coffee
• 2:05
  makes
• 2:05
  me
• 2:06
  feel
• 2:06
  guilty.
• 2:08
  How
• 2:08
  do
• 2:08
  I
• 2:09
  stop
• 2:09
  feeling
• 2:09
  like
• 2:09
  taking
• 2:10
  care
• 2:10
  of
• 2:10
  myself
• 2:11
  is
• 2:11
  wrong?
• 2:13
  I'm
• 2:14
  just
• 2:14
  going
• 2:14
  to
• 2:14
  pause
• 2:14
  for
• 2:14
  a
• 2:15
  second
• 2:15
  and
• 2:15
  say,
• 2:15
  wow,
• 2:17
  you're
• 2:17
  being
• 2:17
  super
• 2:18
  vulnerable
• 2:18
  and
• 2:19
  honest
• 2:19
  this
• 2:19
  morning.
• 2:19
  And
• 2:20
  I
• 2:20
  just
• 2:20
  want
• 2:20
  to
• 2:20
  thank
• 2:21
  you
• 2:21
  so
• 2:21
  much
• 2:21
  for
• 2:21
  that
• 2:21
  question
• 2:23
  because
• 2:23
  honestly,
• 2:24
  recognizing
• 2:25
  the
• 2:25
  situation
• 2:27
  is
• 2:27
  almost
• 2:27
  half
• 2:28
  the
• 2:28
  battle.
• 2:29
  So
• 2:29
  today
• 2:30
  I
• 2:30
  want
• 2:30
  to
• 2:30
  really
• 2:30
  lean
• 2:31
  into
• 2:31
  this
• 2:31
  about
• 2:31
  how
• 2:32
  we
• 2:32
  can
• 2:32
  make
• 2:32
  that
• 2:32
  guilt
• 2:33
  fade
• 2:34
  when
• 2:34
  we've
• 2:34
  really
• 2:34
  defined
• 2:35
  the
• 2:35
  difference
• 2:35
  between
• 2:36
  stewardship
• 2:37
  and
• 2:37
  self
• 2:38
  neglect.
• 2:39
  And
• 2:39
  I'm
• 2:39
  going
• 2:40
  to
• 2:40
  tell
• 2:40
  you
• 2:40
  right
• 2:40
  now
• 2:40
  about
• 2:40
  my
• 2:41
  mom's
• 2:41
  holy
• 2:41
  underwear.
• 2:43
  Now
• 2:43
  you
• 2:43
  might
• 2:43
  be
• 2:43
  saying,
• 2:44
  ralph,
• 2:44
  did
• 2:44
  you
• 2:45
  just
• 2:45
  say
• 2:45
  what
• 2:45
  I
• 2:45
  think
• 2:45
  you
• 2:46
  said?
• 2:46
  Yes.
• 2:47
  So
• 2:47
  let's
• 2:47
  talk
• 2:47
  about
• 2:47
  what
• 2:48
  holy
• 2:48
  underwear
• 2:48
  is.
• 2:49
  Now,
• 2:49
  these
• 2:49
  aren't
• 2:49
  religiously
• 2:50
  holy
• 2:51
  underwear.
• 2:51
  These
• 2:51
  are
• 2:51
  physically
• 2:52
  underwear
• 2:53
  with
• 2:53
  holes
• 2:53
  in
• 2:54
  them.
• 2:55
  And
• 2:55
  it
• 2:55
  just
• 2:55
  when
• 2:56
  I
• 2:56
  got
• 2:56
  this
• 2:56
  question
• 2:56
  from
• 2:57
  the
• 2:57
  listener,
• 2:57
  it
• 2:57
  reminded
• 2:58
  me
• 2:58
  of
• 2:58
  my
• 2:58
  mom.
• 2:58
  And
• 2:58
  she
• 2:59
  passed
• 2:59
  away.
• 2:59
  It's
• 2:59
  been
• 2:59
  almost
• 3:00
  three
• 3:00
  years.
• 3:00
  I
• 3:00
  can't
• 3:00
  believe
• 3:00
  it.
• 3:01
  It'll
• 3:01
  be
• 3:01
  three
• 3:01
  years
• 3:02
  in
• 3:02
  March.
• 3:02
  And
• 3:03
  yeah,
• 3:03
  I
• 3:03
  miss
• 3:03
  her
• 3:03
  every
• 3:04
  day.
• 3:04
  But
• 3:04
  I
• 3:05
  remember
• 3:05
  as
• 3:05
  a
• 3:05
  kid,
• 3:05
  my
• 3:06
  mom
• 3:06
  raised
• 3:06
  us,
• 3:07
  my
• 3:07
  sister
• 3:07
  and
• 3:07
  I,
• 3:07
  as
• 3:08
  a
• 3:08
  single
• 3:08
  mom
• 3:08
  now
• 3:08
  my
• 3:09
  dad
• 3:09
  was
• 3:09
  around,
• 3:09
  he
• 3:10
  helped
• 3:10
  us
• 3:10
  financially.
• 3:11
  But
• 3:11
  my
• 3:12
  mom
• 3:12
  was
• 3:12
  one
• 3:12
  of
• 3:12
  these
• 3:12
  people
• 3:13
  that
• 3:13
  wanted
• 3:13
  to
• 3:13
  give
• 3:13
  to
• 3:14
  everybody.
• 3:15
  She
• 3:15
  gave
• 3:15
  to
• 3:16
  me.
• 3:16
  She
• 3:16
  gave
• 3:16
  to
• 3:17
  my
• 3:17
  sister,
• 3:17
  but
• 3:18
  she
• 3:18
  didn't
• 3:19
  take
• 3:19
  care
• 3:19
  of
• 3:19
  herself
• 3:20
  and
• 3:20
  she
• 3:20
  didn't
• 3:20
  buy
• 3:20
  the
• 3:21
  things
• 3:21
  that
• 3:21
  mattered
• 3:21
  to
• 3:21
  her.
• 3:22
  And
• 3:22
  I'll
• 3:22
  never
• 3:22
  forget
• 3:22
  one
• 3:22
  day
• 3:23
  I
• 3:23
  remember
• 3:24
  I
• 3:24
  was
• 3:24
  helping
• 3:24
  her
• 3:24
  with
• 3:24
  the
• 3:24
  laundry
• 3:26
  and
• 3:26
  we
• 3:26
  dumped
• 3:27
  the
• 3:27
  clothes
• 3:27
  on
• 3:27
  the
• 3:27
  bed
• 3:28
  and
• 3:28
  we
• 3:28
  were
• 3:28
  sorting
• 3:29
  stuff
• 3:29
  out.
• 3:29
  She
• 3:29
  goes,
• 3:29
  well,
• 3:29
  just
• 3:29
  Put
• 3:30
  my
• 3:30
  stuff
• 3:30
  to
• 3:30
  the
• 3:30
  side.
• 3:30
  I
• 3:31
  said,
• 3:31
  no,
• 3:31
  Mama.
• 3:31
  I
• 3:31
  know
• 3:32
  she
• 3:32
  wasn't
• 3:32
  feeling
• 3:32
  good
• 3:33
  that
• 3:33
  day.
• 3:33
  And
• 3:33
  I
• 3:33
  said,
• 3:33
  well,
• 3:33
  let
• 3:33
  me
• 3:33
  just
• 3:34
  help
• 3:34
  you
• 3:34
  fold
• 3:34
  things.
• 3:35
  It
• 3:35
  was
• 3:35
  probably
• 3:35
  a
• 3:35
  hot
• 3:36
  mess
• 3:36
  because
• 3:36
  I
• 3:37
  might
• 3:37
  have
• 3:37
  been
• 3:37
  8
• 3:37
  or
• 3:38
  10
• 3:38
  years
• 3:38
  old
• 3:38
  and
• 3:39
  trying
• 3:39
  to
• 3:39
  fold
• 3:39
  clothes.
• 3:40
  Well.
• 3:40
  And
• 3:40
  of
• 3:40
  course,
• 3:40
  it's
• 3:41
  a
• 3:41
  little
• 3:41
  awkward,
• 3:41
  too.
• 3:41
  You
• 3:42
  got
• 3:42
  your
• 3:42
  mom's
• 3:42
  undergarments.
• 3:43
  Well,
• 3:43
  I
• 3:44
  pull
• 3:44
  up
• 3:44
  a
• 3:44
  pair
• 3:44
  of
• 3:44
  my
• 3:44
  mom's
• 3:45
  undergarments,
• 3:46
  and
• 3:46
  it
• 3:46
  looked
• 3:46
  like
• 3:46
  Swiss
• 3:47
  cheese.
• 3:48
  I
• 3:48
  mean,
• 3:48
  there
• 3:48
  were
• 3:48
  holes
• 3:49
  all
• 3:49
  over
• 3:49
  these
• 3:49
  things.
• 3:50
  And
• 3:50
  now
• 3:51
  I
• 3:51
  said
• 3:51
  to
• 3:51
  my
• 3:51
  mom,
• 3:51
  I
• 3:52
  said,
• 3:52
  mom,
• 3:53
  what's
• 3:53
  up
• 3:53
  with
• 3:53
  these
• 3:54
  underwear?
• 3:54
  I
• 3:54
  said,
• 3:54
  my
• 3:55
  underwear
• 3:55
  is
• 3:55
  not
• 3:55
  like
• 3:55
  this.
• 3:57
  And
• 3:57
  she
• 3:57
  goes,
• 3:57
  son,
• 3:57
  I
• 3:58
  make
• 3:58
  sure
• 3:58
  that
• 3:58
  I
• 3:59
  sacrifice
• 4:00
  so
• 4:00
  you
• 4:01
  and
• 4:01
  your
• 4:01
  sister
• 4:01
  can
• 4:01
  have.
• 4:03
  And
• 4:03
  I'll
• 4:03
  tell
• 4:03
  you
• 4:03
  what,
• 4:03
  that
• 4:04
  defined
• 4:04
  who
• 4:04
  my
• 4:05
  mother
• 4:05
  was.
• 4:06
  She
• 4:06
  wore
• 4:07
  those
• 4:07
  holy
• 4:08
  underwear
• 4:09
  because
• 4:09
  she
• 4:09
  just
• 4:10
  didn't
• 4:10
  want
• 4:10
  to
• 4:10
  spend
• 4:11
  the
• 4:11
  money
• 4:11
  on
• 4:11
  herself.
• 4:12
  And
• 4:13
  that's
• 4:13
  really
• 4:13
  what
• 4:13
  we're
• 4:13
  talking
• 4:14
  about
• 4:14
  today.
• 4:15
  But
• 4:15
  I
• 4:15
  want
• 4:15
  to
• 4:15
  help
• 4:15
  you
• 4:16
  get
• 4:16
  past
• 4:16
  that.
• 4:17
  The
• 4:17
  first
• 4:18
  step
• 4:18
  in
• 4:18
  getting
• 4:18
  past
• 4:19
  that
• 4:19
  is
• 4:19
  you
• 4:20
  got
• 4:20
  to
• 4:20
  name
• 4:20
  the
• 4:21
  voice.
• 4:22
  Is
• 4:22
  this
• 4:22
  conviction
• 4:23
  or
• 4:24
  condemnation?
• 4:25
  Because
• 4:25
  there
• 4:25
  is
• 4:26
  a
• 4:26
  major
• 4:26
  difference
• 4:27
  between
• 4:27
  the
• 4:27
  two.
• 4:28
  Let's
• 4:28
  talk
• 4:28
  about
• 4:28
  that
• 4:29
  now.
• 4:30
  If
• 4:30
  it's
• 4:30
  conviction.
• 4:31
  Now,
• 4:31
  conviction
• 4:32
  as
• 4:32
  a
• 4:32
  Christian
• 4:33
  is
• 4:33
  a
• 4:33
  good
• 4:33
  thing.
• 4:34
  The
• 4:34
  Holy
• 4:34
  Spirit
• 4:35
  gives
• 4:35
  us
• 4:35
  conviction.
• 4:36
  It
• 4:37
  gives
• 4:37
  us
• 4:37
  conviction
• 4:38
  to
• 4:38
  make
• 4:38
  better
• 4:38
  decisions.
• 4:39
  If
• 4:40
  it's
• 4:40
  conviction,
• 4:40
  it's
• 4:41
  specific,
• 4:43
  it's
• 4:43
  gentle,
• 4:44
  and
• 4:44
  in
• 4:45
  the
• 4:45
  end,
• 4:45
  it
• 4:45
  leads
• 4:46
  us
• 4:46
  to
• 4:46
  a
• 4:46
  better
• 4:46
  choice.
• 4:47
  So
• 4:47
  first
• 4:47
  of
• 4:47
  all,
• 4:48
  name
• 4:48
  the
• 4:48
  voice
• 4:48
  that
• 4:48
  you're
• 4:49
  hearing.
• 4:49
  Is
• 4:50
  this
• 4:50
  conviction
• 4:51
  is
• 4:51
  very
• 4:51
  specific.
• 4:53
  Is
• 4:53
  it
• 4:53
  gentle
• 4:54
  like
• 4:54
  a
• 4:54
  shepherd?
• 4:55
  Is
• 4:55
  it
• 4:56
  helping
• 4:56
  you
• 4:56
  make
• 4:56
  a
• 4:57
  better
• 4:57
  choice?
• 4:58
  The
• 4:58
  other
• 4:58
  side
• 4:58
  of
• 4:59
  that
• 4:59
  is
• 5:00
  condemnation.
• 5:01
  Condemnation
• 5:02
  is
• 5:03
  vague.
• 5:04
  It's
• 5:04
  harsh.
• 5:06
  It
• 5:06
  sounds
• 5:06
  like
• 5:07
  this.
• 5:07
  You
• 5:07
  don't
• 5:08
  deserve
• 5:08
  it.
• 5:09
  And
• 5:09
  I
• 5:09
  think
• 5:10
  back
• 5:10
  to
• 5:10
  my
• 5:10
  mom
• 5:10
  now,
• 5:11
  and
• 5:11
  I
• 5:11
  wonder
• 5:11
  if
• 5:12
  it
• 5:12
  wasn't
• 5:12
  a
• 5:12
  little
• 5:12
  bit
• 5:13
  of
• 5:13
  both,
• 5:14
  because,
• 5:14
  honestly,
• 5:15
  looking
• 5:15
  back
• 5:15
  at
• 5:16
  it,
• 5:16
  we
• 5:16
  could
• 5:16
  have
• 5:16
  afforded
• 5:17
  for
• 5:17
  her
• 5:17
  to
• 5:17
  get
• 5:17
  new
• 5:17
  undergarments.
• 5:19
  So
• 5:19
  for
• 5:19
  her,
• 5:20
  was
• 5:20
  it
• 5:20
  a
• 5:20
  little
• 5:20
  bit
• 5:21
  of
• 5:21
  conviction
• 5:21
  yet?
• 5:22
  I
• 5:22
  think
• 5:22
  in
• 5:22
  a
• 5:22
  lot
• 5:22
  of
• 5:22
  ways,
• 5:23
  though,
• 5:23
  for
• 5:23
  her,
• 5:23
  it
• 5:23
  was
• 5:23
  condemnation.
• 5:24
  It
• 5:24
  was
• 5:24
  very
• 5:25
  vague.
• 5:25
  Just
• 5:25
  don't
• 5:26
  spend
• 5:26
  money
• 5:26
  on
• 5:26
  yourself
• 5:28
  to
• 5:28
  the
• 5:28
  point
• 5:28
  where
• 5:28
  you've
• 5:29
  got
• 5:29
  holy
• 5:29
  underwear.
• 5:30
  And
• 5:31
  I
• 5:31
  think
• 5:31
  if
• 5:31
  I
• 5:32
  was
• 5:32
  to
• 5:32
  ask
• 5:32
  her
• 5:33
  now,
• 5:33
  she'd
• 5:34
  probably
• 5:34
  say,
• 5:34
  ralph,
• 5:35
  I
• 5:35
  just
• 5:35
  didn't
• 5:36
  deserve
• 5:36
  it
• 5:36
  at
• 5:36
  the
• 5:36
  time.
• 5:38
  If
• 5:38
  you're
• 5:38
  feeling
• 5:39
  that
• 5:39
  same
• 5:39
  way,
• 5:39
  if
• 5:39
  it
• 5:39
  sounds
• 5:40
  like
• 5:40
  punishment,
• 5:42
  that's
• 5:42
  not
• 5:42
  from
• 5:42
  God.
• 5:43
  We
• 5:43
  don't
• 5:43
  have
• 5:43
  a
• 5:44
  punishing
• 5:44
  God.
• 5:45
  Yes,
• 5:45
  we
• 5:46
  have
• 5:46
  a
• 5:46
  convicting
• 5:46
  God.
• 5:47
  We
• 5:47
  have
• 5:47
  a
• 5:47
  God
• 5:47
  that
• 5:47
  will
• 5:48
  convict
• 5:48
  us
• 5:48
  to
• 5:49
  make
• 5:49
  better
• 5:49
  decisions.
• 5:51
  If
• 5:51
  we
• 5:51
  were
• 5:51
  talking
• 5:51
  about,
• 5:52
  for
• 5:52
  example,
• 5:53
  let's
• 5:53
  say
• 5:53
  all
• 5:53
  of
• 5:53
  a
• 5:53
  Sudden,
• 5:53
  my
• 5:54
  mom
• 5:54
  woke
• 5:54
  up
• 5:54
  one
• 5:54
  day
• 5:54
  and
• 5:55
  said,
• 5:55
  you
• 5:55
  know
• 5:55
  what,
• 5:55
  kids?
• 5:56
  I
• 5:56
  think
• 5:56
  today
• 5:57
  I
• 5:57
  need
• 5:57
  to
• 5:57
  go
• 5:57
  buy
• 5:57
  a
• 5:58
  sports
• 5:58
  car.
• 5:59
  She
• 6:00
  thought
• 6:00
  to
• 6:00
  herself,
• 6:00
  wait
• 6:01
  a
• 6:01
  minute.
• 6:01
  Now,
• 6:02
  that's
• 6:02
  conviction.
• 6:03
  That's
• 6:04
  specific.
• 6:05
  My
• 6:05
  mom's
• 6:05
  name
• 6:05
  was
• 6:06
  Lynn.
• 6:06
  Lynn,
• 6:06
  you
• 6:06
  don't
• 6:06
  need
• 6:07
  a
• 6:07
  sports
• 6:07
  car.
• 6:07
  You've
• 6:08
  got
• 6:08
  a
• 6:08
  car
• 6:08
  that
• 6:08
  does
• 6:09
  the
• 6:09
  job.
• 6:10
  But
• 6:11
  that's
• 6:11
  God
• 6:11
  speaking
• 6:12
  gently
• 6:12
  to
• 6:12
  us.
• 6:12
  You
• 6:12
  know,
• 6:12
  you've
• 6:13
  got
• 6:13
  a
• 6:13
  car
• 6:13
  to
• 6:13
  do
• 6:13
  something
• 6:14
  else.
• 6:14
  And
• 6:14
  it
• 6:14
  led
• 6:15
  to
• 6:15
  a
• 6:15
  better
• 6:15
  choice.
• 6:17
  Here's
• 6:17
  the
• 6:17
  second
• 6:17
  step
• 6:18
  in
• 6:18
  this,
• 6:18
  so
• 6:18
  name
• 6:18
  it.
• 6:19
  First.
• 6:19
  Second
• 6:19
  thing.
• 6:20
  Give
• 6:20
  yourself
• 6:21
  a
• 6:21
  yes
• 6:21
  with
• 6:22
  limits
• 6:22
  category.
• 6:23
  See,
• 6:24
  this
• 6:24
  is
• 6:24
  the
• 6:24
  thing
• 6:24
  that
• 6:24
  I
• 6:25
  think
• 6:25
  my
• 6:25
  mom
• 6:25
  could
• 6:26
  have
• 6:26
  learned
• 6:26
  from
• 6:26
  if
• 6:26
  I
• 6:26
  had
• 6:27
  been
• 6:27
  able
• 6:27
  to
• 6:27
  go
• 6:27
  back
• 6:27
  and
• 6:28
  counsel
• 6:28
  her.
• 6:29
  On
• 6:29
  your
• 6:30
  budget,
• 6:30
  on
• 6:30
  your
• 6:31
  spending
• 6:31
  plan,
• 6:32
  create
• 6:32
  a
• 6:33
  small
• 6:33
  line
• 6:33
  item
• 6:34
  called
• 6:34
  personal
• 6:34
  care,
• 6:35
  or
• 6:35
  dare
• 6:36
  I
• 6:36
  say,
• 6:36
  personal
• 6:36
  Joy.
• 6:38
  Because,
• 6:38
  listen,
• 6:39
  you've
• 6:39
  got
• 6:39
  to
• 6:39
  have
• 6:39
  some
• 6:40
  joy
• 6:40
  in
• 6:40
  your
• 6:40
  life.
• 6:40
  You've
• 6:40
  got
• 6:40
  to
• 6:41
  have
• 6:41
  some
• 6:41
  joy
• 6:41
  in
• 6:41
  your
• 6:42
  spending.
• 6:43
  And
• 6:43
  it
• 6:43
  doesn't
• 6:43
  have
• 6:44
  to
• 6:44
  be
• 6:44
  hundreds
• 6:44
  of
• 6:45
  dollars.
• 6:45
  Hey,
• 6:45
  you
• 6:45
  might
• 6:46
  say,
• 6:46
  every
• 6:46
  week,
• 6:47
  I'm
• 6:47
  going
• 6:47
  to
• 6:47
  put
• 6:47
  $5
• 6:48
  in
• 6:48
  my
• 6:49
  personal
• 6:49
  care
• 6:49
  or
• 6:50
  my
• 6:50
  personal
• 6:50
  joy
• 6:50
  account.
• 6:51
  If
• 6:52
  you've
• 6:52
  got
• 6:52
  more
• 6:52
  money,
• 6:53
  maybe
• 6:53
  $25
• 6:54
  a
• 6:54
  week
• 6:54
  or
• 6:54
  maybe
• 6:55
  each
• 6:55
  paycheck,
• 6:56
  you
• 6:56
  do
• 6:56
  that.
• 6:57
  Because
• 6:57
  when
• 6:58
  it's
• 6:58
  planned,
• 6:59
  when
• 6:59
  you've
• 7:00
  really
• 7:00
  laid
• 7:00
  it
• 7:00
  out,
• 7:00
  that's
• 7:01
  not
• 7:01
  rebellion
• 7:01
  anymore.
• 7:03
  That's
• 7:03
  stewardship.
• 7:05
  And
• 7:05
  if
• 7:05
  you
• 7:06
  find
• 7:06
  yourself
• 7:06
  in
• 7:07
  this
• 7:07
  same
• 7:07
  situation,
• 7:09
  ask
• 7:09
  yourself
• 7:10
  just
• 7:10
  one
• 7:11
  clarifying
• 7:12
  question
• 7:12
  before
• 7:13
  you
• 7:13
  buy.
• 7:13
  If
• 7:13
  you're
• 7:14
  in
• 7:14
  the
• 7:14
  checkout
• 7:14
  line,
• 7:16
  you
• 7:16
  get
• 7:16
  ready
• 7:16
  to
• 7:16
  get
• 7:17
  up
• 7:17
  there.
• 7:17
  You
• 7:17
  know
• 7:17
  the
• 7:17
  lines
• 7:18
  form,
• 7:18
  and
• 7:18
  you've
• 7:18
  got
• 7:18
  something
• 7:19
  in
• 7:19
  your
• 7:19
  hand.
• 7:20
  Just
• 7:20
  ask
• 7:20
  yourself
• 7:21
  this,
• 7:22
  does
• 7:22
  this
• 7:23
  support
• 7:23
  my
• 7:23
  responsibilities
• 7:25
  or
• 7:25
  sabotage
• 7:26
  them?
• 7:28
  Now,
• 7:28
  sometimes
• 7:29
  it's
• 7:29
  not
• 7:29
  that
• 7:29
  simple.
• 7:31
  Let
• 7:31
  me
• 7:31
  use
• 7:31
  that,
• 7:31
  a
• 7:31
  great
• 7:32
  example.
• 7:32
  If
• 7:32
  you
• 7:32
  need
• 7:33
  shoes,
• 7:34
  that's
• 7:35
  supporting
• 7:35
  you,
• 7:36
  you
• 7:36
  got
• 7:36
  to
• 7:36
  have
• 7:36
  shoes
• 7:37
  to
• 7:37
  go
• 7:37
  to
• 7:37
  work.
• 7:37
  You
• 7:38
  got
• 7:38
  to
• 7:38
  have
• 7:38
  shoes
• 7:38
  to
• 7:38
  do
• 7:38
  the
• 7:39
  things
• 7:39
  you
• 7:39
  do.
• 7:40
  But
• 7:41
  impulse
• 7:41
  spending,
• 7:43
  a
• 7:43
  lot
• 7:43
  of
• 7:43
  times
• 7:43
  that
• 7:43
  creates
• 7:44
  stress.
• 7:45
  It
• 7:45
  creates
• 7:45
  stress
• 7:46
  immediately
• 7:46
  and
• 7:46
  it
• 7:47
  sure
• 7:47
  creates
• 7:47
  stress
• 7:48
  later
• 7:48
  on.
• 7:48
  That,
• 7:49
  to
• 7:49
  me,
• 7:49
  is
• 7:49
  sabotage.
• 7:51
  And
• 7:51
  if
• 7:51
  you're
• 7:51
  aiming
• 7:52
  for
• 7:52
  peace,
• 7:53
  don't
• 7:53
  sabotage
• 7:54
  yourself.
• 7:54
  Listen,
• 7:55
  this
• 7:55
  isn't
• 7:55
  about
• 7:55
  perfection,
• 7:57
  just
• 7:57
  peace.
• 7:58
  Which
• 7:59
  leads
• 7:59
  us
• 7:59
  to
• 7:59
  this
• 7:59
  thought
• 8:00
  you
• 8:00
  might
• 8:00
  be
• 8:00
  feeling
• 8:00
  this
• 8:00
  guilt.
• 8:01
  That's
• 8:01
  what
• 8:01
  you
• 8:01
  said
• 8:01
  in
• 8:01
  your
• 8:02
  question.
• 8:03
  Replace
• 8:04
  that
• 8:04
  guilt
• 8:04
  with
• 8:05
  a
• 8:05
  simple
• 8:05
  spending
• 8:06
  rule
• 8:06
  that
• 8:06
  you
• 8:06
  can
• 8:06
  trust.
• 8:08
  Here's
• 8:08
  the
• 8:08
  way
• 8:08
  I
• 8:09
  would
• 8:09
  define
• 8:09
  that
• 8:09
  rule.
• 8:10
  If
• 8:10
  it's
• 8:11
  in
• 8:11
  the
• 8:11
  plan,
• 8:12
  I
• 8:12
  can
• 8:12
  spend
• 8:12
  it
• 8:13
  with
• 8:13
  peace.
• 8:14
  I
• 8:14
  put
• 8:15
  it
• 8:15
  in
• 8:15
  that
• 8:15
  joy
• 8:15
  account.
• 8:16
  It's
• 8:16
  in
• 8:16
  the
• 8:16
  plan.
• 8:16
  It's
• 8:17
  in
• 8:17
  the
• 8:17
  spending
• 8:17
  agreement.
• 8:18
  I've
• 8:18
  already
• 8:18
  said
• 8:18
  I'm
• 8:19
  going
• 8:19
  to
• 8:19
  do
• 8:19
  this.
• 8:20
  We've
• 8:20
  Talked
• 8:21
  about
• 8:21
  this
• 8:21
  a
• 8:21
  little
• 8:21
  bit
• 8:21
  the
• 8:21
  other
• 8:22
  day.
• 8:22
  If
• 8:22
  you
• 8:22
  need
• 8:22
  to
• 8:22
  use
• 8:22
  a
• 8:23
  cash
• 8:23
  envelope
• 8:23
  system
• 8:24
  for
• 8:24
  your
• 8:24
  personal
• 8:25
  category,
• 8:25
  if
• 8:26
  this
• 8:26
  guilt
• 8:26
  hits
• 8:26
  you
• 8:26
  hard
• 8:27
  and
• 8:27
  you're
• 8:27
  so
• 8:27
  afraid
• 8:28
  of
• 8:28
  putting
• 8:28
  down
• 8:28
  that
• 8:29
  credit
• 8:29
  card
• 8:29
  or
• 8:29
  that
• 8:29
  debit
• 8:30
  card
• 8:30
  or
• 8:30
  writing
• 8:30
  that
• 8:30
  check,
• 8:31
  put
• 8:31
  that
• 8:32
  money
• 8:32
  aside,
• 8:32
  each
• 8:33
  paycheck
• 8:33
  in
• 8:33
  an
• 8:34
  envelope
• 8:34
  like
• 8:34
  I
• 8:34
  did
• 8:34
  with
• 8:34
  my
• 8:35
  grandparents.
• 8:35
  I
• 8:35
  told
• 8:35
  you
• 8:35
  about
• 8:35
  this.
• 8:36
  My
• 8:36
  grandfather
• 8:36
  had
• 8:37
  his
• 8:37
  fishing
• 8:37
  envelope.
• 8:39
  My
• 8:39
  grandmother
• 8:39
  knew
• 8:40
  she
• 8:40
  was
• 8:40
  going
• 8:40
  to
• 8:40
  put
• 8:40
  a
• 8:40
  certain
• 8:41
  amount
• 8:41
  in
• 8:42
  his
• 8:42
  fishing
• 8:42
  envelope
• 8:43
  and
• 8:43
  he
• 8:43
  could
• 8:43
  spend.
• 8:43
  He
• 8:44
  didn't
• 8:44
  worry
• 8:44
  about
• 8:44
  it.
• 8:44
  He
• 8:45
  didn't
• 8:45
  worry
• 8:45
  about,
• 8:45
  would
• 8:45
  the
• 8:46
  light
• 8:46
  bill
• 8:46
  get
• 8:46
  paid,
• 8:47
  would
• 8:47
  they
• 8:47
  have
• 8:47
  food
• 8:47
  on
• 8:48
  the
• 8:48
  grocery,
• 8:48
  none
• 8:48
  of
• 8:49
  those
• 8:49
  things.
• 8:50
  Because
• 8:50
  when
• 8:50
  you
• 8:51
  say
• 8:51
  yes
• 8:51
  today,
• 8:52
  your
• 8:53
  heart
• 8:53
  starts
• 8:53
  to
• 8:53
  learn
• 8:54
  safety.
• 8:54
  And
• 8:54
  that's
• 8:54
  really
• 8:54
  what
• 8:55
  the
• 8:55
  key
• 8:55
  takeaway
• 8:56
  is.
• 8:56
  You've
• 8:57
  got
• 8:57
  to
• 8:57
  build
• 8:57
  that
• 8:57
  safety
• 8:58
  into
• 8:59
  your
• 8:59
  heart.
• 9:01
  And
• 9:02
  finally,
• 9:02
  this
• 9:03
  practice
• 9:04
  receiving.
• 9:05
  Not
• 9:05
  proving.
• 9:06
  A
• 9:07
  lot
• 9:07
  of
• 9:07
  people
• 9:07
  get
• 9:07
  stuck
• 9:07
  on
• 9:08
  that.
• 9:08
  They're
• 9:08
  just.
• 9:08
  They
• 9:08
  can't
• 9:09
  receive
• 9:09
  something.
• 9:10
  You
• 9:10
  ever
• 9:10
  met
• 9:10
  somebody
• 9:10
  like
• 9:11
  that?
• 9:11
  Oh,
• 9:11
  you
• 9:11
  shouldn't
• 9:12
  have
• 9:12
  done
• 9:12
  that.
• 9:13
  But
• 9:13
  you
• 9:14
  got
• 9:14
  to
• 9:14
  practice
• 9:14
  that.
• 9:16
  And
• 9:16
  in
• 9:16
  a
• 9:16
  lot
• 9:16
  of
• 9:17
  ways,
• 9:17
  I
• 9:17
  don't
• 9:17
  want
• 9:17
  to
• 9:17
  speak
• 9:18
  bad
• 9:18
  about
• 9:18
  my
• 9:18
  mom,
• 9:18
  but
• 9:19
  you're
• 9:19
  not
• 9:19
  earning
• 9:20
  rest
• 9:20
  by
• 9:20
  suffering.
• 9:21
  My
• 9:22
  mom
• 9:22
  wasn't
• 9:22
  earning
• 9:23
  anything
• 9:23
  from
• 9:23
  those
• 9:24
  holy
• 9:24
  underwear.
• 9:25
  When
• 9:26
  I
• 9:26
  look
• 9:26
  back
• 9:26
  at
• 9:26
  it
• 9:26
  now,
• 9:27
  I'm
• 9:27
  like,
• 9:27
  that
• 9:27
  is
• 9:27
  the
• 9:27
  silliest
• 9:28
  thing
• 9:28
  ever.
• 9:29
  But
• 9:29
  it
• 9:29
  demonstrates
• 9:30
  today's
• 9:30
  point.
• 9:31
  Because
• 9:31
  when
• 9:32
  you
• 9:32
  take
• 9:32
  care
• 9:32
  of
• 9:32
  yourself,
• 9:34
  when
• 9:34
  you
• 9:34
  do
• 9:34
  what
• 9:35
  you
• 9:35
  need
• 9:35
  to
• 9:35
  do
• 9:35
  for
• 9:35
  you,
• 9:36
  and
• 9:36
  I'm
• 9:36
  not
• 9:36
  saying
• 9:36
  being
• 9:36
  frivolous,
• 9:37
  but
• 9:37
  when
• 9:37
  you
• 9:37
  do
• 9:37
  what
• 9:38
  you
• 9:38
  need
• 9:38
  to
• 9:38
  do
• 9:38
  for
• 9:39
  yourself,
• 9:39
  you
• 9:40
  show
• 9:40
  up
• 9:40
  stronger,
• 9:42
  you
• 9:42
  show
• 9:42
  up
• 9:42
  more
• 9:43
  determined.
• 9:43
  That's
• 9:43
  not
• 9:43
  being
• 9:44
  selfish.
• 9:45
  That's
• 9:45
  just
• 9:46
  being
• 9:46
  healthy.
• 9:47
  So
• 9:48
  I
• 9:48
  want
• 9:48
  to
• 9:48
  encourage
• 9:48
  you
• 9:48
  right
• 9:49
  now.
• 9:49
  You're
• 9:50
  allowed
• 9:50
  to
• 9:50
  be
• 9:51
  cared
• 9:51
  for,
• 9:51
  too.
• 9:53
  You're
• 9:53
  allowed
• 9:54
  to
• 9:54
  have
• 9:54
  joy.
• 9:54
  You're
• 9:55
  allowed
• 9:55
  to
• 9:55
  have
• 9:55
  spending
• 9:56
  on
• 9:56
  you.
• 9:58
  You're
• 9:58
  allowed
• 9:58
  to
• 9:58
  have
• 9:59
  that.
• 9:59
  It's
• 9:59
  okay.
• 10:01
  So
• 10:01
  here's
• 10:01
  today's
• 10:02
  win,
• 10:02
  your
• 10:02
  single
• 10:03
  step
• 10:03
  takeaway.
• 10:03
  Today
• 10:04
  I
• 10:04
  want
• 10:04
  to
• 10:04
  encourage
• 10:04
  you
• 10:04
  to
• 10:04
  do
• 10:05
  something.
• 10:05
  It's
• 10:05
  kind
• 10:05
  of
• 10:05
  fun
• 10:06
  today.
• 10:06
  I
• 10:07
  want
• 10:07
  you
• 10:07
  to
• 10:07
  go
• 10:07
  out
• 10:07
  there
• 10:07
  and
• 10:07
  buy
• 10:08
  something
• 10:08
  for
• 10:08
  yourself
• 10:09
  today.
• 10:09
  If
• 10:10
  you're
• 10:10
  dealing
• 10:10
  with
• 10:10
  this
• 10:10
  guilt
• 10:11
  and
• 10:11
  you're
• 10:11
  like,
• 10:11
  oh,
• 10:11
  man,
• 10:11
  I
• 10:12
  don't
• 10:12
  want
• 10:12
  to
• 10:12
  do
• 10:12
  this.
• 10:12
  Make
• 10:13
  sure
• 10:13
  it
• 10:13
  fits
• 10:13
  in
• 10:13
  your
• 10:13
  budget.
• 10:14
  I'm
• 10:14
  not
• 10:14
  telling
• 10:14
  you
• 10:14
  to
• 10:14
  go
• 10:14
  buy
• 10:15
  the
• 10:15
  new
• 10:15
  Corvette.
• 10:15
  You
• 10:15
  might
• 10:16
  love
• 10:16
  that
• 10:16
  Corvette.
• 10:17
  It's
• 10:17
  not
• 10:17
  time
• 10:18
  to
• 10:18
  go
• 10:18
  buy
• 10:18
  a
• 10:18
  new
• 10:18
  Corvette.
• 10:19
  Doesn't
• 10:20
  have
• 10:20
  to
• 10:20
  be
• 10:20
  expensive.
• 10:21
  Just
• 10:21
  spend
• 10:21
  five
• 10:22
  or
• 10:22
  ten
• 10:22
  dollars
• 10:22
  on
• 10:23
  yourself.
• 10:24
  You
• 10:24
  deserve
• 10:24
  it.
• 10:24
  Go
• 10:25
  do
• 10:25
  it.
• 10:25
  Fits
• 10:25
  in
• 10:26
  your
• 10:26
  budget.
• 10:26
  Go
• 10:26
  do
• 10:27
  it.
• 10:27
  That's
• 10:27
  something
• 10:27
  fun
• 10:27
  you
• 10:28
  can
• 10:28
  do
• 10:28
  today.
• 10:29
  Well,
• 10:29
  let's
• 10:29
  get
• 10:29
  to
• 10:29
  our
• 10:29
  Bible
• 10:30
  verse.
• 10:30
  Today
• 10:30
  we're
• 10:30
  going
• 10:30
  to
• 10:31
  look
• 10:31
  at
• 10:31
  the
• 10:31
  Book
• 10:31
  of
• 10:31
  Mark,
• 10:32
  chapter
• 10:32
  12,
• 10:33
  verse
• 10:33
  31.
• 10:35
  And
• 10:35
  this
• 10:35
  one
• 10:35
  is
• 10:36
  ideal
• 10:37
  for
• 10:37
  what
• 10:37
  we're
• 10:37
  talking
• 10:37
  about
• 10:37
  because
• 10:37
  it
• 10:38
  really
• 10:38
  leans
• 10:38
  into
• 10:38
  what
• 10:39
  we're
• 10:39
  talking
• 10:39
  about
• 10:40
  and
• 10:40
  it
• 10:40
  says
• 10:40
  again,
• 10:40
  Mark
• 10:41
  12:31
• 10:42
  love
• 10:42
  your
• 10:42
  neighbor
• 10:43
  as
• 10:43
  yourself.
• 10:45
  See,
• 10:45
  God
• 10:46
  assumes
• 10:46
  that
• 10:46
  as
• 10:47
  yourself
• 10:48
  includes
• 10:49
  wise
• 10:49
  self
• 10:50
  care.
• 10:50
  God
• 10:51
  doesn't
• 10:51
  want
• 10:51
  you
• 10:52
  living
• 10:52
  in
• 10:52
  this
• 10:53
  guilt
• 10:53
  driven
• 10:53
  neglect.
• 10:55
  So
• 10:55
  just
• 10:55
  lean
• 10:55
  in
• 10:56
  that.
• 10:56
  Say
• 10:56
  love
• 10:56
  your
• 10:56
  neighbor
• 10:57
  as
• 10:57
  yourself.
• 10:58
  God
• 10:59
  wants
• 10:59
  you
• 10:59
  to
• 10:59
  take
• 10:59
  care
• 10:59
  of
• 10:59
  yourself.
• 11:00
  How
• 11:01
  about
• 11:01
  we
• 11:01
  pray
• 11:01
  together,
• 11:02
  Father?
• 11:03
  God,
• 11:04
  you
• 11:04
  see
• 11:04
  the
• 11:04
  guilt
• 11:05
  that
• 11:05
  rises
• 11:05
  when
• 11:05
  all
• 11:06
  of
• 11:06
  us
• 11:06
  think
• 11:06
  about
• 11:06
  spending
• 11:07
  on
• 11:07
  ourselves.
• 11:09
  You
• 11:09
  see
• 11:09
  that
• 11:09
  inner
• 11:10
  voice
• 11:10
  that
• 11:10
  says,
• 11:11
  you
• 11:11
  know,
• 11:11
  you
• 11:12
  don't
• 11:12
  have
• 11:12
  needs.
• 11:12
  You
• 11:13
  don't
• 11:13
  get
• 11:13
  to
• 11:13
  have
• 11:13
  your
• 11:14
  needs,
• 11:15
  Lord,
• 11:15
  I
• 11:15
  just
• 11:15
  ask
• 11:16
  that
• 11:16
  you
• 11:16
  were
• 11:16
  placed
• 11:16
  at
• 11:17
  condemnation.
• 11:18
  That's
• 11:18
  what
• 11:18
  we're
• 11:18
  really
• 11:18
  talking
• 11:18
  about.
• 11:19
  We're
• 11:19
  not
• 11:19
  talking
• 11:19
  about
• 11:19
  conviction,
• 11:20
  we're
• 11:20
  talking
• 11:20
  about
• 11:21
  condemnation,
• 11:22
  Lord,
• 11:22
  and
• 11:22
  replace
• 11:23
  that
• 11:23
  condemnation
• 11:24
  with
• 11:24
  your
• 11:24
  truth.
• 11:25
  Give
• 11:25
  us
• 11:26
  wisdom
• 11:26
  to
• 11:26
  plan.
• 11:27
  Give
• 11:27
  us
• 11:28
  strength
• 11:28
  to
• 11:28
  hold
• 11:29
  those
• 11:29
  boundaries
• 11:30
  and
• 11:31
  the
• 11:31
  freedom
• 11:31
  to
• 11:31
  receive
• 11:32
  daily
• 11:32
  care
• 11:32
  without
• 11:33
  that
• 11:33
  shame
• 11:33
  and
• 11:34
  guilt.
• 11:35
  And
• 11:35
  I
• 11:35
  ask
• 11:35
  right
• 11:36
  now
• 11:36
  that
• 11:36
  you
• 11:36
  help
• 11:36
  this
• 11:37
  listener.
• 11:37
  Spend
• 11:38
  with
• 11:38
  peace,
• 11:38
  Lord.
• 11:39
  Love
• 11:39
  their
• 11:40
  family
• 11:40
  and
• 11:40
  also
• 11:41
  value
• 11:41
  the
• 11:41
  life
• 11:41
  that
• 11:41
  you've
• 11:42
  given
• 11:42
  them.
• 11:43
  Teach
• 11:43
  their
• 11:44
  heart
• 11:44
  that
• 11:44
  stewardship
• 11:45
  is
• 11:45
  not
• 11:46
  self
• 11:46
  punishment
• 11:47
  and
• 11:48
  that
• 11:48
  your
• 11:48
  love
• 11:48
  for
• 11:48
  all
• 11:49
  of
• 11:49
  us
• 11:50
  is
• 11:50
  never
• 11:51
  earned
• 11:51
  by
• 11:52
  going
• 11:52
  without.
• 11:53
  And
• 11:53
  we
• 11:54
  ask
• 11:54
  this
• 11:54
  in
• 11:54
  Jesus
• 11:55
  name.
• 11:56
  Amen.
• 11:58
  I
• 11:58
  want
• 11:58
  to
• 11:58
  encourage
• 11:59
  you
• 11:59
  right
• 11:59
  now
• 12:00
  you
• 12:01
  can
• 12:01
  spend
• 12:01
  with
• 12:01
  peace
• 12:02
  when
• 12:03
  it's
• 12:03
  playing
• 12:03
  with
• 12:03
  wisdom.
• 12:04
  So
• 12:05
  go
• 12:05
  do
• 12:05
  that
• 12:05
  today.
• 12:05
  Go
• 12:05
  buy
• 12:06
  something
• 12:06
  for
• 12:06
  yourself.
• 12:07
  And
• 12:08
  if
• 12:08
  you've
• 12:08
  got
• 12:08
  a
• 12:08
  question
• 12:08
  for
• 12:09
  this
• 12:09
  show,
• 12:09
  I
• 12:09
  would
• 12:09
  love
• 12:10
  to
• 12:10
  answer
• 12:10
  it
• 12:10
  on
• 12:10
  the
• 12:10
  show.
• 12:11
  This
• 12:11
  is
• 12:11
  what
• 12:12
  really
• 12:12
  feeds
• 12:12
  my
• 12:13
  passion
• 12:13
  for
• 12:13
  the
• 12:13
  show.
• 12:14
  Go
• 12:14
  to
• 12:14
  financiallyconfidentchristian.com/question
• 12:18
  i'm
• 12:18
  going
• 12:18
  to
• 12:18
  give
• 12:18
  you
• 12:18
  to
• 12:19
  you
• 12:19
  again.
• 12:19
  It'll
• 12:19
  also
• 12:19
  be
• 12:20
  in
• 12:20
  the
• 12:20
  show
• 12:20
  notes
• 12:21
  financiallyconfidentchristian.com/question
• 12:26
  so
• 12:26
  thank
• 12:26
  you
• 12:26
  so
• 12:26
  much
• 12:27
  for
• 12:27
  joining
• 12:27
  me
• 12:27
  today.
• 12:28
  Thank
• 12:28
  you
• 12:28
  so
• 12:28
  much
• 12:28
  for
• 12:29
  sending
• 12:29
  in
• 12:29
  your
• 12:29
  questions.
• 12:30
  I
• 12:30
  just
• 12:30
  want
• 12:31
  to
• 12:31
  encourage
• 12:31
  you
• 12:31
  now
• 12:31
  to
• 12:31
  stay
• 12:32
  financially
• 12:32
  savvy.
• 12:33
  God
• 12:33
  bless
• 12:33
  you.
• 12:34
  You
• 12:34
  have
• 12:34
  a
• 12:34
  great
• 12:34
  day
• 12:35
  and
• 12:35
  I'll
• 12:36
  see
• 12:36
  you
• 12:36
  again
• 12:36
  tomorrow
• 12:36
  on
• 12:37
  the
• 12:37
  show.