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Shot, Fired, and Buried in Debt: Is There Still a Path Forward? · Becoming Financially Confident

• 0:37
  You
• 0:37
  were
• 0:37
  hurt,
• 0:38
  you
• 0:39
  were
• 0:39
  hospitalized.
• 0:40
  You're
• 0:40
  trying
• 0:41
  to
• 0:41
  recover.
• 0:42
  And
• 0:42
  while
• 0:42
  you're
• 0:42
  still
• 0:43
  fighting
• 0:43
  to
• 0:43
  heal,
• 0:43
  life
• 0:44
  kept
• 0:44
  taking
• 0:44
  things
• 0:45
  away.
• 0:45
  You
• 0:46
  lost
• 0:46
  your
• 0:46
  job,
• 0:47
  you
• 0:47
  lost
• 0:47
  your
• 0:48
  home,
• 0:48
  your
• 0:49
  car
• 0:49
  was
• 0:49
  repossessed,
• 0:50
  and
• 0:50
  the
• 0:51
  bills
• 0:51
  kept
• 0:51
  coming.
• 0:52
  That
• 0:52
  debt
• 0:52
  kept
• 0:53
  piling
• 0:53
  up,
• 0:54
  and
• 0:54
  now
• 0:54
  you're
• 0:55
  working
• 0:55
  again,
• 0:55
  but
• 0:56
  the
• 0:56
  income
• 0:56
  is
• 0:57
  stretched
• 0:57
  and
• 0:58
  that
• 0:58
  debt
• 0:58
  feels
• 0:59
  overwhelming.
• 1:00
  And
• 1:00
  you're
• 1:00
  wondering
• 1:01
  if
• 1:01
  one
• 1:01
  wrong
• 1:02
  move
• 1:02
  could
• 1:02
  make
• 1:02
  everything
• 1:03
  worse.
• 1:04
  Well,
• 1:04
  if
• 1:04
  that's
• 1:04
  you,
• 1:04
  I
• 1:05
  want
• 1:05
  you
• 1:05
  to
• 1:05
  know
• 1:05
  something
• 1:05
  before
• 1:06
  we
• 1:06
  go
• 1:06
  any
• 1:06
  further
• 1:07
  today.
• 1:08
  You're
• 1:08
  not
• 1:08
  the
• 1:08
  sum
• 1:08
  of
• 1:08
  what
• 1:09
  happened
• 1:09
  to
• 1:09
  you.
• 1:10
  You're
• 1:10
  not
• 1:10
  your
• 1:10
  credit
• 1:11
  score.
• 1:12
  You're
• 1:12
  not
• 1:12
  that
• 1:12
  debt
• 1:13
  balance,
• 1:13
  and
• 1:14
  you're
• 1:14
  not
• 1:14
  beyond
• 1:14
  repair.
• 1:16
  What
• 1:16
  you're
• 1:16
  carrying
• 1:16
  is
• 1:17
  real.
• 1:18
  That
• 1:18
  financial
• 1:18
  pressure
• 1:19
  you're
• 1:19
  feeling
• 1:19
  is
• 1:20
  real.
• 1:21
  That
• 1:21
  fear
• 1:22
  is
• 1:22
  real.
• 1:23
  That
• 1:23
  exhaustion
• 1:24
  is
• 1:24
  real
• 1:24
  as
• 1:24
  well.
• 1:26
  So
• 1:26
  today
• 1:26
  we're
• 1:26
  talking
• 1:27
  about
• 1:27
  where
• 1:27
  to
• 1:27
  start
• 1:27
  when
• 1:28
  everything
• 1:28
  feels
• 1:29
  urgent,
• 1:30
  how
• 1:30
  to
• 1:30
  protect
• 1:30
  your
• 1:30
  income,
• 1:31
  what
• 1:31
  to
• 1:31
  do
• 1:32
  when
• 1:32
  collections
• 1:32
  may
• 1:32
  have
• 1:32
  gotten
• 1:33
  it
• 1:33
  wrong,
• 1:33
  and
• 1:34
  how
• 1:34
  to
• 1:34
  take
• 1:34
  the
• 1:35
  next
• 1:35
  step
• 1:35
  without
• 1:36
  letting
• 1:36
  fear
• 1:36
  make
• 1:37
  the
• 1:37
  decisions.
• 1:38
  That's
• 1:38
  what
• 1:38
  we're
• 1:38
  going
• 1:39
  to
• 1:39
  break
• 1:39
  down
• 1:39
  on
• 1:39
  today's
• 1:39
  show.
• 1:49
  Hello
• 1:49
  and
• 1:50
  welcome
• 1:50
  to
• 1:50
  Financially
• 1:51
  Confident.
• 1:51
  Christian.
• 1:52
  I'm
• 1:52
  so
• 1:53
  glad
• 1:53
  you
• 1:53
  chose
• 1:53
  to
• 1:53
  join
• 1:54
  me
• 1:54
  today.
• 1:55
  Today's
• 1:55
  question
• 1:56
  is
• 1:56
  heavier
• 1:56
  than
• 1:57
  a
• 1:57
  typical
• 1:57
  debt
• 1:57
  question.
• 1:58
  We
• 1:58
  get
• 1:58
  a
• 1:58
  lot
• 1:58
  of
• 1:58
  those
• 1:58
  on
• 1:59
  the
• 1:59
  show,
• 2:00
  and
• 2:00
  today
• 2:00
  isn't
• 2:01
  just
• 2:01
  about
• 2:01
  money.
• 2:02
  It's
• 2:03
  about
• 2:03
  trauma.
• 2:04
  It's
• 2:04
  about
• 2:04
  loss.
• 2:05
  And,
• 2:06
  yes,
• 2:06
  it's
• 2:06
  about
• 2:06
  rebuilding.
• 2:08
  So
• 2:08
  we
• 2:08
  don't
• 2:08
  rush
• 2:09
  past
• 2:09
  the
• 2:09
  hard
• 2:09
  stuff
• 2:10
  to
• 2:10
  get
• 2:10
  to
• 2:10
  the
• 2:10
  math.
• 2:10
  Today
• 2:11
  we're
• 2:12
  going
• 2:12
  to
• 2:12
  talk
• 2:12
  about
• 2:12
  what
• 2:12
  to
• 2:12
  handle
• 2:13
  first,
• 2:14
  what
• 2:14
  to
• 2:14
  document,
• 2:15
  where
• 2:15
  legal
• 2:16
  help
• 2:16
  matters
• 2:17
  and
• 2:17
  how
• 2:17
  to
• 2:17
  move
• 2:17
  forward
• 2:18
  one
• 2:18
  step
• 2:18
  at
• 2:18
  a
• 2:19
  time.
• 2:19
  Well,
• 2:20
  let's
• 2:20
  get
• 2:20
  right
• 2:20
  to
• 2:20
  today's
• 2:21
  listener
• 2:21
  question,
• 2:21
  and
• 2:22
  this
• 2:22
  one
• 2:22
  is
• 2:22
  a
• 2:23
  doozy.
• 2:24
  Listener
• 2:24
  wrote
• 2:24
  this.
• 2:25
  Hi,
• 2:25
  Ralph.
• 2:26
  I'm
• 2:26
  not
• 2:26
  sure
• 2:26
  if
• 2:26
  you
• 2:26
  even
• 2:27
  take
• 2:27
  emails
• 2:27
  like
• 2:27
  this,
• 2:28
  but
• 2:29
  I'm
• 2:29
  in
• 2:29
  a
• 2:29
  pretty
• 2:29
  dark
• 2:30
  place.
• 2:30
  And
• 2:30
  honestly,
• 2:31
  I
• 2:31
  don't
• 2:31
  know
• 2:31
  where
• 2:31
  to
• 2:31
  turn.
• 2:32
  Back
• 2:32
  in
• 2:33
  January,
• 2:33
  I
• 2:33
  was
• 2:34
  shot.
• 2:35
  Yes,
• 2:35
  he
• 2:35
  said
• 2:36
  shot.
• 2:37
  I
• 2:37
  spent
• 2:37
  weeks
• 2:38
  in
• 2:38
  the
• 2:38
  hospital,
• 2:39
  and
• 2:39
  while
• 2:39
  I
• 2:40
  was
• 2:40
  there
• 2:40
  recovering,
• 2:41
  my
• 2:41
  employer
• 2:42
  fired
• 2:42
  me.
• 2:43
  I
• 2:43
  had
• 2:43
  to
• 2:43
  fight
• 2:44
  through
• 2:44
  litigation
• 2:44
  just
• 2:45
  to
• 2:45
  get
• 2:45
  my
• 2:45
  unemployment
• 2:46
  settlement.
• 2:47
  During
• 2:47
  all
• 2:47
  that
• 2:48
  time,
• 2:48
  I
• 2:48
  lost
• 2:48
  my
• 2:49
  home,
• 2:49
  my
• 2:50
  car
• 2:50
  got
• 2:50
  repossessed,
• 2:51
  and
• 2:51
  I
• 2:51
  couldn't
• 2:52
  make
• 2:52
  my
• 2:52
  credit
• 2:52
  card
• 2:53
  payments.
• 2:54
  Now
• 2:54
  I've
• 2:54
  got
• 2:54
  medical
• 2:55
  debt
• 2:55
  around
• 2:55
  $60,000.
• 2:57
  I've
• 2:57
  got
• 2:58
  auto
• 2:58
  debt
• 2:58
  about
• 2:58
  $10,000.
• 3:00
  My
• 3:00
  credit
• 3:01
  cards
• 3:01
  are
• 3:01
  maxed
• 3:02
  out
• 3:02
  at
• 3:02
  about
• 3:02
  7,000.
• 3:03
  My
• 3:04
  credit
• 3:04
  score
• 3:04
  sitting
• 3:05
  between
• 3:05
  490
• 3:06
  and
• 3:06
  540,
• 3:07
  depending
• 3:07
  upon
• 3:07
  which
• 3:07
  one
• 3:08
  you
• 3:08
  look
• 3:08
  at.
• 3:09
  Now
• 3:09
  I'm
• 3:09
  employed
• 3:10
  again
• 3:10
  and
• 3:10
  I've
• 3:11
  got
• 3:11
  a
• 3:11
  car
• 3:11
  now,
• 3:12
  but
• 3:12
  I'm
• 3:13
  pretty
• 3:13
  much
• 3:13
  Maxed
• 3:13
  out
• 3:13
  on
• 3:14
  my
• 3:14
  income.
• 3:15
  And,
• 3:15
  Ralph,
• 3:16
  I
• 3:16
  don't
• 3:16
  have
• 3:16
  any
• 3:16
  family
• 3:16
  or
• 3:17
  friends
• 3:17
  who
• 3:17
  can
• 3:17
  help
• 3:17
  me
• 3:17
  financially.
• 3:19
  I
• 3:20
  found
• 3:20
  out
• 3:20
  the
• 3:20
  hospital
• 3:21
  wrongly
• 3:21
  sent
• 3:21
  my
• 3:21
  debt
• 3:22
  to
• 3:22
  collections.
• 3:22
  So,
• 3:23
  Ralph,
• 3:23
  I'm
• 3:23
  wondering
• 3:24
  if
• 3:24
  that's
• 3:24
  something
• 3:24
  I
• 3:24
  can
• 3:24
  use.
• 3:26
  But
• 3:26
  honestly,
• 3:27
  I'm
• 3:28
  lost
• 3:28
  on
• 3:28
  even
• 3:28
  where
• 3:29
  to
• 3:29
  start.
• 3:30
  Do
• 3:30
  I
• 3:30
  go
• 3:31
  after
• 3:31
  the
• 3:31
  company
• 3:31
  that
• 3:32
  fired
• 3:32
  me
• 3:32
  while
• 3:32
  I
• 3:32
  was
• 3:32
  hospitalized?
• 3:34
  How
• 3:34
  do
• 3:34
  I
• 3:34
  stop
• 3:35
  myself
• 3:35
  from
• 3:35
  getting
• 3:36
  garnished?
• 3:37
  Is
• 3:37
  there
• 3:37
  a
• 3:38
  path
• 3:38
  through
• 3:38
  this
• 3:38
  that
• 3:39
  doesn't
• 3:39
  feel
• 3:39
  impossible?
• 3:41
  I'd
• 3:42
  really
• 3:42
  appreciate
• 3:42
  any
• 3:43
  guidance
• 3:43
  you
• 3:43
  can
• 3:43
  offer.
• 3:44
  Thank
• 3:44
  you.
• 3:46
  You
• 3:46
  know,
• 3:46
  when
• 3:47
  I
• 3:47
  read
• 3:47
  that
• 3:48
  email
• 3:48
  that
• 3:48
  we
• 3:49
  got,
• 3:50
  first
• 3:50
  of
• 3:50
  all,
• 3:50
  I
• 3:50
  sort
• 3:51
  of
• 3:51
  had
• 3:51
  to
• 3:51
  read
• 3:51
  it
• 3:51
  a
• 3:51
  couple
• 3:51
  of
• 3:51
  times.
• 3:52
  Like,
• 3:52
  did
• 3:52
  this
• 3:52
  guy
• 3:52
  just
• 3:52
  tell
• 3:53
  me
• 3:53
  he
• 3:53
  got
• 3:53
  shot?
• 3:53
  Yeah,
• 3:54
  he
• 3:54
  got
• 3:54
  shot.
• 3:55
  Now,
• 3:56
  I
• 3:56
  don't
• 3:56
  know
• 3:56
  the
• 3:56
  circumstances
• 3:57
  of
• 3:57
  why
• 3:57
  he
• 3:57
  got
• 3:58
  shot.
• 3:58
  I'm
• 3:58
  just
• 3:58
  going
• 3:58
  to
• 3:58
  assume
• 3:59
  it
• 3:59
  wasn't
• 3:59
  anything
• 4:00
  he
• 4:00
  caused.
• 4:02
  But
• 4:02
  the
• 4:03
  things
• 4:03
  that
• 4:03
  happened
• 4:04
  after
• 4:04
  that
• 4:04
  were
• 4:04
  just
• 4:04
  amazing.
• 4:06
  But
• 4:06
  my
• 4:06
  big
• 4:06
  takeaway
• 4:07
  here
• 4:07
  is
• 4:08
  everything
• 4:08
  right
• 4:09
  now
• 4:09
  is
• 4:09
  feeling
• 4:09
  urgent
• 4:10
  for
• 4:10
  this
• 4:10
  guy.
• 4:11
  But
• 4:12
  what
• 4:12
  I've
• 4:12
  learned
• 4:12
  over
• 4:12
  30
• 4:13
  years
• 4:13
  in
• 4:13
  practice
• 4:14
  is
• 4:14
  you
• 4:14
  can't
• 4:14
  attack
• 4:15
  everything
• 4:15
  at
• 4:15
  once.
• 4:16
  So
• 4:16
  we've
• 4:17
  got
• 4:17
  to
• 4:17
  think
• 4:17
  in
• 4:17
  terms
• 4:17
  of.
• 4:18
  Just
• 4:18
  like
• 4:18
  the
• 4:18
  hospital
• 4:19
  did.
• 4:19
  I
• 4:19
  can
• 4:19
  imagine.
• 4:20
  On
• 4:20
  the
• 4:20
  day
• 4:20
  that
• 4:20
  you
• 4:20
  were
• 4:21
  shot,
• 4:21
  the
• 4:22
  first
• 4:22
  thing
• 4:22
  the
• 4:22
  hospital
• 4:22
  did
• 4:23
  is
• 4:23
  they
• 4:23
  had
• 4:23
  to
• 4:23
  stabilize
• 4:24
  you.
• 4:24
  We're
• 4:25
  going
• 4:25
  to
• 4:25
  do
• 4:25
  the
• 4:25
  same
• 4:25
  thing
• 4:26
  today.
• 4:26
  We're
• 4:26
  going
• 4:26
  to
• 4:26
  stabilize
• 4:27
  you
• 4:27
  first.
• 4:27
  We're
• 4:28
  going
• 4:28
  to
• 4:28
  protect
• 4:28
  your
• 4:28
  income,
• 4:29
  and
• 4:29
  then
• 4:30
  we're
• 4:30
  going
• 4:30
  to
• 4:30
  challenge
• 4:30
  what's
• 4:31
  wrong,
• 4:31
  and
• 4:32
  we're
• 4:32
  going
• 4:32
  to
• 4:32
  get
• 4:32
  the
• 4:32
  right
• 4:33
  professional
• 4:33
  help
• 4:33
  before
• 4:34
  creditors
• 4:34
  force
• 4:34
  the
• 4:35
  timeline.
• 4:36
  So
• 4:36
  let's
• 4:36
  break
• 4:36
  this
• 4:36
  down
• 4:37
  one
• 4:37
  step
• 4:37
  at
• 4:37
  a
• 4:37
  time.
• 4:38
  The
• 4:38
  first
• 4:39
  thing
• 4:39
  I
• 4:39
  want
• 4:39
  you
• 4:39
  to
• 4:39
  understand
• 4:40
  is
• 4:40
  we've
• 4:41
  got
• 4:41
  to
• 4:41
  separate
• 4:42
  responsibility
• 4:43
  from
• 4:43
  shame.
• 4:44
  You
• 4:45
  were
• 4:45
  shot.
• 4:45
  Like
• 4:45
  I
• 4:45
  said,
• 4:46
  I'm
• 4:46
  assuming
• 4:46
  this
• 4:46
  had
• 4:47
  nothing
• 4:47
  to
• 4:47
  do
• 4:47
  that
• 4:47
  you
• 4:48
  caused.
• 4:48
  You
• 4:49
  were
• 4:49
  hospitalized,
• 4:50
  you
• 4:51
  lost
• 4:51
  your
• 4:51
  job
• 4:51
  while
• 4:52
  you
• 4:52
  were
• 4:52
  trying
• 4:52
  to
• 4:52
  recover,
• 4:53
  and
• 4:53
  then
• 4:54
  that
• 4:54
  financial
• 4:54
  fallout
• 4:55
  started.
• 4:56
  Those
• 4:57
  are
• 4:57
  not
• 4:57
  your
• 4:57
  issues
• 4:58
  that
• 4:58
  you
• 4:58
  didn't
• 4:58
  cause.
• 4:59
  That
• 4:59
  situation,
• 4:59
  that
• 5:00
  trickle
• 5:00
  down
• 5:00
  thing,
• 5:01
  wasn't
• 5:01
  something
• 5:01
  you
• 5:02
  caused.
• 5:03
  Now,
• 5:03
  that
• 5:03
  debt
• 5:03
  may
• 5:04
  have
• 5:04
  been
• 5:04
  yours
• 5:04
  to
• 5:04
  deal
• 5:04
  with
• 5:05
  before,
• 5:05
  it's
• 5:05
  certainly
• 5:05
  yours
• 5:06
  to
• 5:06
  deal
• 5:06
  with
• 5:06
  now.
• 5:07
  But
• 5:07
  this
• 5:08
  entire
• 5:08
  situation
• 5:09
  isn't
• 5:09
  your
• 5:09
  fault.
• 5:10
  So
• 5:11
  first
• 5:11
  thing
• 5:11
  I
• 5:11
  want
• 5:11
  to
• 5:11
  encourage
• 5:12
  you
• 5:12
  to
• 5:12
  do
• 5:12
  is
• 5:13
  take
• 5:13
  away
• 5:13
  that
• 5:13
  shame.
• 5:14
  Because
• 5:15
  what
• 5:15
  I
• 5:15
  have
• 5:15
  found
• 5:15
  is
• 5:16
  shame
• 5:16
  makes
• 5:16
  people
• 5:16
  freeze.
• 5:17
  You
• 5:18
  just
• 5:18
  stop
• 5:18
  doing.
• 5:19
  You
• 5:19
  avoid
• 5:19
  making
• 5:20
  those
• 5:20
  calls,
• 5:20
  you
• 5:20
  ignore
• 5:21
  those
• 5:21
  letters.
• 5:22
  And
• 5:22
  unfortunately,
• 5:23
  shame
• 5:23
  makes
• 5:24
  you
• 5:24
  delay
• 5:24
  decisions.
• 5:25
  I'm
• 5:26
  going
• 5:26
  to
• 5:26
  tell
• 5:26
  you
• 5:26
  today
• 5:26
  I
• 5:27
  think
• 5:27
  the
• 5:27
  best
• 5:27
  path
• 5:27
  forward
• 5:28
  is
• 5:28
  to
• 5:29
  replace
• 5:29
  shame
• 5:29
  with
• 5:29
  a
• 5:30
  plan.
• 5:31
  You
• 5:31
  don't
• 5:32
  need
• 5:32
  shame
• 5:32
  to
• 5:32
  make
• 5:32
  progress,
• 5:34
  but
• 5:34
  you
• 5:34
  need
• 5:34
  truth
• 5:35
  to
• 5:35
  make
• 5:35
  a
• 5:35
  plan.
• 5:35
  So
• 5:35
  let's
• 5:36
  talk
• 5:36
  about
• 5:36
  how
• 5:36
  to
• 5:36
  get
• 5:37
  to
• 5:37
  that
• 5:37
  truth.
• 5:37
  But
• 5:37
  we're
• 5:37
  going
• 5:38
  to
• 5:38
  start
• 5:38
  with
• 5:38
  this.
• 5:39
  You've
• 5:39
  got
• 5:39
  to
• 5:39
  stabilize
• 5:40
  the
• 5:40
  basics
• 5:41
  before
• 5:41
  you
• 5:41
  negotiate
• 5:42
  the
• 5:42
  past.
• 5:43
  When
• 5:43
  everything
• 5:44
  feels
• 5:44
  urgent.
• 5:44
  I
• 5:44
  mentioned
• 5:45
  this
• 5:45
  a
• 5:45
  few
• 5:45
  minutes
• 5:45
  ago.
• 5:46
  When
• 5:47
  everything
• 5:47
  feels
• 5:47
  like
• 5:47
  it's
• 5:48
  got
• 5:48
  to
• 5:48
  get
• 5:48
  handled
• 5:49
  today,
• 5:49
  it's
• 5:50
  really
• 5:50
  tempting
• 5:50
  to
• 5:51
  chase
• 5:51
  whatever
• 5:51
  bill
• 5:51
  is
• 5:52
  screaming
• 5:52
  the
• 5:52
  loudest.
• 5:53
  And
• 5:53
  collectors
• 5:53
  know
• 5:54
  that.
• 5:54
  They
• 5:55
  know
• 5:55
  if
• 5:55
  they're
• 5:55
  the
• 5:55
  ones
• 5:56
  calling
• 5:56
  all
• 5:56
  the
• 5:56
  time,
• 5:56
  if
• 5:57
  they're
• 5:57
  the
• 5:57
  ones
• 5:57
  screaming
• 5:57
  the
• 5:58
  loudest,
• 5:58
  that's
• 5:59
  the
• 5:59
  one
• 5:59
  you're
• 5:59
  going
• 5:59
  to
• 5:59
  get
• 6:00
  to.
• 6:00
  But
• 6:01
  I've
• 6:01
  got
• 6:01
  to
• 6:01
  be
• 6:01
  honest
• 6:01
  with
• 6:01
  you,
• 6:02
  that's
• 6:02
  usually
• 6:03
  a
• 6:03
  mistake.
• 6:04
  Here's
• 6:04
  what
• 6:04
  I
• 6:05
  want
• 6:05
  you
• 6:05
  to
• 6:05
  start
• 6:05
  with.
• 6:06
  Start
• 6:06
  with
• 6:06
  the
• 6:07
  things
• 6:07
  that
• 6:07
  keep
• 6:07
  you
• 6:07
  functioning.
• 6:08
  Housing
• 6:09
  is
• 6:09
  a
• 6:09
  number
• 6:09
  one.
• 6:10
  That
• 6:10
  needs
• 6:11
  to
• 6:11
  be
• 6:11
  the
• 6:11
  ultimate
• 6:11
  thing.
• 6:12
  Utilities,
• 6:13
  that's
• 6:13
  number
• 6:14
  two.
• 6:14
  You've
• 6:15
  got
• 6:15
  to
• 6:15
  feed
• 6:15
  yourself.
• 6:16
  So
• 6:16
  food,
• 6:17
  transportation,
• 6:18
  and
• 6:18
  don't
• 6:19
  forget
• 6:19
  about
• 6:19
  insurance.
• 6:20
  These
• 6:21
  are
• 6:21
  the
• 6:21
  type
• 6:21
  of
• 6:22
  expenses
• 6:22
  that
• 6:22
  allow
• 6:22
  you
• 6:23
  to
• 6:23
  keep
• 6:23
  working
• 6:23
  and
• 6:24
  earning
• 6:24
  income,
• 6:24
  which
• 6:24
  is
• 6:25
  what
• 6:25
  you
• 6:25
  absolutely
• 6:26
  need
• 6:26
  to
• 6:26
  do
• 6:26
  right
• 6:26
  now.
• 6:27
  As
• 6:27
  we
• 6:27
  start
• 6:27
  to
• 6:27
  stabilize,
• 6:28
  as
• 6:28
  we
• 6:28
  start
• 6:28
  to
• 6:28
  triage,
• 6:30
  those
• 6:30
  are
• 6:30
  the
• 6:30
  things
• 6:30
  you
• 6:30
  got
• 6:30
  to
• 6:31
  focus
• 6:31
  on.
• 6:32
  The
• 6:32
  old
• 6:32
  debts,
• 6:33
  the
• 6:33
  collections.
• 6:34
  And
• 6:34
  listen,
• 6:34
  even
• 6:35
  those
• 6:35
  medical
• 6:35
  bills,
• 6:36
  they
• 6:36
  matter,
• 6:37
  but
• 6:38
  none
• 6:38
  of
• 6:38
  them
• 6:38
  matter
• 6:38
  more
• 6:38
  than
• 6:39
  getting
• 6:39
  to
• 6:39
  work
• 6:39
  tomorrow.
• 6:41
  So
• 6:41
  we
• 6:41
  got
• 6:41
  to
• 6:41
  start
• 6:41
  thinking
• 6:42
  in
• 6:42
  terms
• 6:42
  of
• 6:42
  a
• 6:42
  budget.
• 6:43
  Now,
• 6:43
  a
• 6:43
  lot
• 6:43
  of
• 6:43
  people,
• 6:43
  when
• 6:43
  you
• 6:44
  say
• 6:44
  budget,
• 6:44
  they
• 6:44
  think,
• 6:44
  oh,
• 6:45
  Ralph,
• 6:45
  you're
• 6:45
  putting
• 6:45
  me
• 6:45
  into
• 6:46
  bondage.
• 6:46
  It's
• 6:47
  not
• 6:47
  at
• 6:47
  all
• 6:47
  where
• 6:47
  I'm
• 6:47
  going
• 6:48
  with
• 6:48
  this.
• 6:49
  Budgeting
• 6:50
  is
• 6:50
  not
• 6:51
  bondage.
• 6:51
  It's
• 6:52
  a
• 6:52
  tool
• 6:52
  that
• 6:52
  helps
• 6:52
  you
• 6:52
  breathe.
• 6:53
  Now,
• 6:54
  let's
• 6:54
  get
• 6:54
  to
• 6:54
  that
• 6:54
  collections
• 6:55
  mistake
• 6:55
  that
• 6:55
  you
• 6:56
  mentioned.
• 6:57
  Here's
• 6:57
  the
• 6:57
  thing
• 6:57
  I'm
• 6:57
  going
• 6:57
  to
• 6:57
  encourage
• 6:58
  you
• 6:58
  to
• 6:58
  do.
• 6:58
  Treat
• 6:59
  that
• 6:59
  hospital's
• 6:59
  mistake
• 7:00
  as
• 7:00
  a
• 7:00
  documentation
• 7:01
  issue.
• 7:02
  Maybe
• 7:02
  someone
• 7:03
  just
• 7:03
  made
• 7:03
  an
• 7:03
  honest
• 7:04
  mistake.
• 7:04
  Don't
• 7:04
  let
• 7:04
  it
• 7:04
  frustrate
• 7:05
  you.
• 7:06
  What
• 7:06
  I
• 7:06
  would
• 7:06
  encourage
• 7:07
  you
• 7:07
  to
• 7:07
  do
• 7:07
  is
• 7:07
  pull
• 7:08
  all
• 7:08
  three
• 7:08
  of
• 7:08
  your
• 7:09
  credit
• 7:09
  reports.
• 7:09
  You
• 7:09
  can
• 7:09
  do
• 7:10
  that@annualcreditreport.com
• 7:12
  we'll
• 7:12
  put
• 7:12
  a
• 7:12
  link
• 7:12
  to
• 7:12
  that
• 7:12
  in
• 7:12
  the
• 7:13
  show
• 7:13
  notes.
• 7:13
  This
• 7:13
  is
• 7:13
  something
• 7:14
  that
• 7:14
  I
• 7:14
  talk
• 7:14
  about
• 7:14
  even
• 7:15
  outside
• 7:15
  of
• 7:15
  somebody
• 7:16
  getting
• 7:16
  shot.
• 7:17
  You
• 7:17
  should
• 7:17
  pull
• 7:17
  these
• 7:18
  at
• 7:18
  least
• 7:18
  once
• 7:18
  a
• 7:18
  year
• 7:19
  and
• 7:19
  take
• 7:19
  a
• 7:19
  look
• 7:20
  at
• 7:20
  those.
• 7:21
  But
• 7:21
  when
• 7:21
  you
• 7:21
  do
• 7:21
  that,
• 7:22
  write
• 7:22
  down
• 7:22
  the
• 7:22
  creditor's
• 7:23
  name
• 7:23
  that
• 7:23
  came
• 7:23
  up
• 7:23
  here,
• 7:24
  the
• 7:24
  balance,
• 7:25
  the
• 7:25
  date
• 7:25
  that
• 7:26
  was
• 7:26
  reported,
• 7:26
  the
• 7:27
  account
• 7:27
  number,
• 7:28
  and.
• 7:28
  And
• 7:28
  which
• 7:28
  bureau
• 7:28
  is
• 7:29
  reporting
• 7:29
  it.
• 7:30
  Once
• 7:30
  you
• 7:30
  do
• 7:30
  that,
• 7:31
  then
• 7:31
  I
• 7:31
  would
• 7:31
  get
• 7:31
  on
• 7:31
  the
• 7:31
  phone,
• 7:32
  call
• 7:32
  the
• 7:32
  hospital
• 7:32
  billing
• 7:33
  office
• 7:33
  and
• 7:34
  ask
• 7:34
  them
• 7:34
  about
• 7:35
  the
• 7:35
  situation.
• 7:36
  Ask
• 7:36
  them
• 7:37
  for
• 7:37
  a
• 7:37
  written
• 7:37
  confirmation
• 7:38
  that
• 7:39
  the
• 7:39
  debt
• 7:39
  was
• 7:39
  sent
• 7:39
  to
• 7:40
  the
• 7:40
  collections
• 7:40
  in
• 7:40
  error.
• 7:40
  I
• 7:41
  got
• 7:41
  a
• 7:41
  feeling
• 7:41
  you
• 7:41
  already
• 7:41
  know
• 7:42
  that,
• 7:42
  but
• 7:42
  I
• 7:42
  will
• 7:42
  get
• 7:43
  that
• 7:43
  in
• 7:43
  writing.
• 7:44
  And
• 7:44
  then
• 7:44
  as
• 7:44
  you're
• 7:45
  looking
• 7:45
  at
• 7:45
  that
• 7:45
  credit
• 7:46
  report
• 7:46
  dispute,
• 7:47
  any
• 7:47
  other
• 7:47
  items
• 7:48
  that
• 7:48
  are
• 7:48
  showing
• 7:48
  up
• 7:48
  there,
• 7:49
  and
• 7:49
  send
• 7:49
  a
• 7:50
  written
• 7:50
  dispute
• 7:50
  to
• 7:51
  the
• 7:51
  collection
• 7:51
  agency.
• 7:51
  We've
• 7:52
  talked
• 7:52
  about
• 7:52
  that
• 7:52
  on
• 7:52
  the
• 7:52
  show
• 7:53
  before.
• 7:54
  And
• 7:54
  if
• 7:54
  they
• 7:54
  refuse
• 7:55
  to
• 7:55
  correct
• 7:55
  it,
• 7:55
  that's
• 7:56
  when
• 7:56
  you're
• 7:56
  going
• 7:56
  to
• 7:56
  enlist
• 7:57
  the
• 7:57
  help
• 7:57
  of
• 7:58
  a
• 7:58
  consumer
• 7:58
  rights
• 7:59
  attorney.
• 7:59
  That's
• 8:00
  somebody
• 8:00
  that
• 8:00
  can
• 8:00
  take
• 8:00
  a
• 8:00
  look
• 8:01
  at
• 8:01
  the
• 8:01
  Fair
• 8:01
  Credit
• 8:01
  Reporting
• 8:02
  act
• 8:02
  or
• 8:02
  the
• 8:02
  Fair
• 8:03
  Debt
• 8:03
  Collection
• 8:03
  Practices
• 8:04
  Act.
• 8:05
  But
• 8:05
  my
• 8:05
  encouragement
• 8:06
  for
• 8:06
  you
• 8:06
  right
• 8:06
  now
• 8:06
  is
• 8:07
  just
• 8:07
  take
• 8:07
  one
• 8:07
  why
• 8:08
  step
• 8:08
  this
• 8:08
  week
• 8:09
  instead
• 8:09
  of
• 8:10
  another
• 8:10
  week
• 8:10
  of
• 8:10
  avoidance.
• 8:12
  Now
• 8:12
  let's
• 8:12
  pivot
• 8:13
  a
• 8:13
  little
• 8:13
  bit.
• 8:13
  We
• 8:13
  got
• 8:13
  to
• 8:14
  talk
• 8:14
  about
• 8:14
  the
• 8:14
  legal
• 8:15
  risks,
• 8:16
  you
• 8:16
  addressing
• 8:17
  those
• 8:17
  before
• 8:18
  they
• 8:18
  control
• 8:18
  the
• 8:19
  timeline.
• 8:19
  So
• 8:19
  let's
• 8:19
  get
• 8:20
  into
• 8:20
  each
• 8:20
  of
• 8:20
  the
• 8:20
  specifics
• 8:21
  of
• 8:21
  that
• 8:21
  specific
• 8:22
  big
• 8:22
  word
• 8:22
  to
• 8:22
  use
• 8:22
  today.
• 8:23
  But
• 8:23
  for
• 8:23
  the
• 8:24
  firing
• 8:25
  number,
• 8:25
  one
• 8:25
  thing
• 8:25
  I
• 8:25
  would
• 8:26
  do
• 8:26
  is
• 8:26
  speak
• 8:26
  with
• 8:26
  an
• 8:27
  employment
• 8:27
  attorney.
• 8:28
  They're
• 8:28
  going
• 8:28
  to
• 8:28
  be
• 8:28
  able
• 8:29
  to
• 8:29
  help
• 8:29
  you
• 8:29
  understand
• 8:29
  what
• 8:30
  your
• 8:30
  rights
• 8:30
  are.
• 8:31
  If
• 8:31
  you
• 8:31
  were
• 8:31
  fired
• 8:32
  while
• 8:32
  being
• 8:32
  hospitalized,
• 8:33
  that
• 8:33
  they're
• 8:33
  being
• 8:34
  shot.
• 8:34
  That's
• 8:35
  serious
• 8:35
  enough
• 8:35
  for
• 8:35
  an
• 8:35
  attorney
• 8:36
  to
• 8:36
  take
• 8:36
  a
• 8:36
  look
• 8:36
  at
• 8:36
  that
• 8:36
  and
• 8:36
  review
• 8:37
  that.
• 8:37
  But
• 8:38
  before
• 8:38
  you
• 8:38
  get
• 8:38
  on
• 8:38
  the
• 8:38
  phone
• 8:39
  with
• 8:39
  that
• 8:39
  attorney
• 8:39
  or
• 8:40
  sit
• 8:40
  down,
• 8:40
  gather
• 8:41
  all
• 8:41
  your
• 8:41
  information.
• 8:42
  Write
• 8:42
  down
• 8:42
  the
• 8:43
  shooting
• 8:43
  date,
• 8:43
  the
• 8:44
  hospitalization
• 8:44
  dates
• 8:45
  and
• 8:45
  any
• 8:45
  notices
• 8:46
  you
• 8:46
  got
• 8:46
  from
• 8:46
  the
• 8:46
  employer,
• 8:47
  any
• 8:47
  termination
• 8:48
  letters,
• 8:49
  any,
• 8:49
  any
• 8:49
  HR
• 8:50
  messages
• 8:50
  you
• 8:50
  were
• 8:50
  sent,
• 8:51
  any
• 8:51
  unemployment
• 8:52
  paperwork,
• 8:53
  and
• 8:53
  any
• 8:53
  settlement
• 8:54
  records.
• 8:54
  If
• 8:54
  they
• 8:54
  offered
• 8:55
  you
• 8:55
  something,
• 8:56
  treat
• 8:56
  this
• 8:57
  employment
• 8:57
  issue
• 8:57
  as
• 8:58
  a
• 8:58
  parallel
• 8:58
  track.
• 8:58
  It
• 8:59
  might
• 8:59
  help
• 8:59
  you
• 8:59
  in
• 8:59
  the
• 8:59
  long
• 9:00
  run,
• 9:00
  but
• 9:00
  your
• 9:00
  current
• 9:01
  budget
• 9:01
  can't
• 9:02
  depend
• 9:02
  on
• 9:02
  some
• 9:03
  future
• 9:03
  settlement.
• 9:04
  Now,
• 9:04
  you
• 9:04
  mentioned
• 9:05
  you
• 9:05
  were
• 9:05
  worried
• 9:05
  about
• 9:05
  garnishment.
• 9:06
  Most
• 9:07
  creditors
• 9:08
  have
• 9:08
  got
• 9:08
  to
• 9:08
  sue
• 9:08
  you
• 9:09
  first.
• 9:09
  They've
• 9:10
  got
• 9:10
  to
• 9:10
  win
• 9:10
  that
• 9:10
  judgment.
• 9:11
  And
• 9:11
  then
• 9:11
  they
• 9:11
  follow
• 9:12
  state
• 9:12
  rules
• 9:12
  before
• 9:12
  taking
• 9:13
  on
• 9:13
  your
• 9:14
  wages.
• 9:15
  So
• 9:15
  open
• 9:16
  every
• 9:16
  single
• 9:16
  letter
• 9:17
  you
• 9:17
  get.
• 9:17
  If
• 9:18
  you
• 9:18
  get
• 9:18
  a
• 9:18
  letter
• 9:18
  from
• 9:18
  court,
• 9:19
  respond
• 9:19
  to
• 9:19
  it.
• 9:19
  Make
• 9:20
  sure
• 9:20
  you're
• 9:20
  paying
• 9:20
  attention
• 9:21
  to
• 9:21
  those
• 9:21
  deadlines.
• 9:22
  This
• 9:22
  is
• 9:23
  where
• 9:23
  you
• 9:23
  can
• 9:23
  solicit
• 9:24
  the
• 9:24
  advice
• 9:24
  of
• 9:25
  legal
• 9:25
  aid
• 9:26
  or
• 9:26
  a
• 9:26
  consumer
• 9:27
  attorney.
• 9:27
  Or
• 9:27
  maybe
• 9:28
  you've
• 9:28
  gotten
• 9:28
  to
• 9:28
  the
• 9:28
  point
• 9:29
  where
• 9:29
  you
• 9:29
  actually
• 9:29
  have
• 9:29
  to
• 9:30
  talk
• 9:30
  to
• 9:30
  a
• 9:30
  bankruptcy
• 9:31
  attorney
• 9:31
  about
• 9:32
  some
• 9:32
  issues
• 9:33
  there
• 9:33
  or
• 9:33
  some
• 9:34
  state
• 9:34
  garnishment
• 9:35
  protections.
• 9:36
  Those
• 9:36
  things
• 9:36
  are
• 9:37
  super
• 9:37
  important.
• 9:37
  And
• 9:38
  listen,
• 9:38
  a
• 9:38
  consultation
• 9:39
  isn't
• 9:40
  a
• 9:40
  commitment
• 9:40
  to
• 9:40
  file.
• 9:41
  It's
• 9:41
  a
• 9:42
  way
• 9:42
  to
• 9:42
  lower
• 9:42
  fear
• 9:42
  with
• 9:43
  real
• 9:43
  information
• 9:43
  so
• 9:44
  you
• 9:44
  can
• 9:44
  make
• 9:44
  a
• 9:44
  better
• 9:44
  decision.
• 9:45
  The
• 9:46
  goal
• 9:46
  here
• 9:46
  is
• 9:46
  to
• 9:47
  act
• 9:47
  before
• 9:47
  panic
• 9:48
  becomes
• 9:48
  the
• 9:48
  plan.
• 9:49
  So
• 9:49
  here's
• 9:50
  my
• 9:50
  big
• 9:50
  takeaway.
• 9:51
  Create
• 9:51
  a
• 9:51
  30
• 9:52
  day
• 9:52
  starting
• 9:52
  plan
• 9:53
  for
• 9:53
  yourself.
• 9:53
  I'm
• 9:53
  going
• 9:53
  to
• 9:54
  lay
• 9:54
  this
• 9:54
  out
• 9:54
  week
• 9:54
  by
• 9:54
  week.
• 9:55
  So
• 9:55
  here's
• 9:55
  what
• 9:55
  I'm
• 9:55
  encouraging
• 9:56
  you
• 9:56
  to
• 9:56
  do
• 9:56
  on
• 9:56
  week
• 9:57
  one.
• 9:57
  Pull
• 9:57
  all
• 9:58
  three
• 9:58
  of
• 9:58
  those
• 9:58
  credit
• 9:58
  reports
• 9:59
  and
• 9:59
  make
• 9:59
  one
• 10:00
  complete
• 10:00
  debt
• 10:00
  list.
• 10:01
  Week
• 10:01
  Two,
• 10:02
  this
• 10:02
  is
• 10:02
  the
• 10:03
  time
• 10:03
  to
• 10:03
  contact
• 10:03
  a
• 10:04
  hospital
• 10:04
  billing
• 10:04
  company,
• 10:05
  request
• 10:06
  written
• 10:06
  proof
• 10:06
  of
• 10:06
  the
• 10:06
  collections
• 10:07
  error
• 10:07
  and,
• 10:07
  and
• 10:08
  ask
• 10:08
  for
• 10:08
  financial
• 10:08
  assistance.
• 10:09
  A
• 10:09
  lot
• 10:09
  of
• 10:09
  people
• 10:09
  don't
• 10:10
  understand
• 10:10
  this.
• 10:11
  Most
• 10:11
  hospitals,
• 10:12
  most
• 10:13
  medical
• 10:13
  companies
• 10:14
  will
• 10:14
  offer
• 10:14
  you
• 10:15
  a
• 10:15
  payment
• 10:15
  plan.
• 10:16
  They'll
• 10:16
  offer
• 10:16
  you
• 10:16
  some
• 10:17
  help
• 10:17
  along
• 10:17
  this.
• 10:18
  Don't
• 10:18
  feel
• 10:18
  like
• 10:18
  you
• 10:18
  got
• 10:19
  this
• 10:19
  bill.
• 10:19
  That's,
• 10:19
  I
• 10:20
  can
• 10:20
  only
• 10:20
  imagine
• 10:20
  the
• 10:20
  bill
• 10:21
  that
• 10:21
  you
• 10:21
  got
• 10:21
  for
• 10:21
  being
• 10:21
  shot.
• 10:22
  Worry
• 10:23
  about
• 10:23
  getting
• 10:23
  your
• 10:23
  health
• 10:24
  back
• 10:24
  on
• 10:24
  course.
• 10:25
  You
• 10:25
  can
• 10:25
  worry
• 10:26
  about
• 10:26
  those
• 10:26
  collections
• 10:26
  later.
• 10:27
  Here's
• 10:27
  what
• 10:27
  I
• 10:27
  would
• 10:27
  do
• 10:28
  on
• 10:28
  work
• 10:28
  three.
• 10:28
  On
• 10:28
  week
• 10:29
  three,
• 10:29
  schedule
• 10:30
  two
• 10:30
  consultations.
• 10:31
  One
• 10:31
  for
• 10:32
  a
• 10:32
  consumer
• 10:32
  rights
• 10:32
  bankruptcy
• 10:33
  attorney
• 10:33
  and,
• 10:34
  and
• 10:34
  one
• 10:34
  with
• 10:34
  that
• 10:34
  employment
• 10:35
  attorney.
• 10:35
  Again,
• 10:35
  don't
• 10:36
  put
• 10:36
  all
• 10:36
  your
• 10:37
  eggs
• 10:37
  in
• 10:37
  that
• 10:37
  basket.
• 10:38
  Yes,
• 10:38
  it
• 10:38
  sounds
• 10:39
  like
• 10:39
  you've
• 10:39
  got
• 10:39
  a
• 10:39
  claim,
• 10:40
  but
• 10:40
  I
• 10:40
  wouldn't
• 10:40
  spend
• 10:41
  a
• 10:41
  lot
• 10:41
  of
• 10:41
  time
• 10:41
  worrying
• 10:42
  about
• 10:42
  that.
• 10:42
  Week
• 10:43
  four,
• 10:43
  start
• 10:44
  to
• 10:44
  build
• 10:44
  that
• 10:44
  bare
• 10:45
  bones
• 10:45
  budget
• 10:46
  like
• 10:46
  we
• 10:46
  talked
• 10:46
  about,
• 10:46
  around
• 10:47
  housing,
• 10:48
  around
• 10:48
  food,
• 10:49
  utilities,
• 10:50
  transportation
• 10:51
  and
• 10:51
  keeping
• 10:52
  that
• 10:52
  job
• 10:52
  stable.
• 10:53
  And
• 10:53
  then
• 10:53
  I'm
• 10:53
  going
• 10:53
  to
• 10:54
  encourage
• 10:54
  you
• 10:54
  to
• 10:54
  do
• 10:54
  one
• 10:54
  more
• 10:55
  thing
• 10:55
  because
• 10:55
  it's
• 10:55
  all
• 10:55
  about
• 10:55
  documentation.
• 10:57
  Set
• 10:57
  a
• 10:57
  folder
• 10:57
  up,
• 10:58
  put
• 10:58
  it
• 10:58
  on
• 10:58
  your
• 10:58
  desk.
• 10:58
  In
• 10:59
  every
• 10:59
  bill,
• 10:59
  every
• 11:00
  letter,
• 11:00
  every
• 11:01
  dispute,
• 11:02
  every
• 11:02
  medical
• 11:02
  statement,
• 11:03
  every
• 11:03
  court
• 11:03
  notice
• 11:04
  and
• 11:04
  every
• 11:04
  attorney
• 11:04
  note
• 11:05
  goes
• 11:05
  in
• 11:05
  there.
• 11:06
  Listen,
• 11:07
  friend,
• 11:07
  the
• 11:07
  goal
• 11:07
  isn't
• 11:08
  to
• 11:08
  fix
• 11:08
  everything
• 11:08
  in
• 11:09
  30
• 11:09
  days.
• 11:10
  It's
• 11:10
  to
• 11:10
  move
• 11:11
  from
• 11:11
  fog
• 11:11
  to
• 11:11
  a
• 11:12
  map.
• 11:12
  Because
• 11:12
  right
• 11:12
  now
• 11:12
  you're
• 11:13
  in
• 11:13
  this
• 11:13
  fog.
• 11:14
  You
• 11:14
  don't
• 11:14
  have
• 11:15
  to
• 11:15
  fix
• 11:15
  your
• 11:15
  whole
• 11:15
  life
• 11:15
  today.
• 11:16
  You
• 11:16
  need
• 11:17
  the
• 11:17
  next
• 11:17
  faithful
• 11:18
  step.
• 11:19
  Because
• 11:19
  here's
• 11:19
  the
• 11:19
  thing
• 11:19
  I
• 11:19
  want
• 11:20
  to
• 11:20
  tell
• 11:20
  you
• 11:21
  my
• 11:21
  big
• 11:22
  overarching
• 11:22
  thing
• 11:22
  today.
• 11:23
  You're
• 11:24
  not
• 11:24
  beyond
• 11:24
  repair
• 11:25
  just
• 11:25
  because
• 11:25
  the
• 11:26
  numbers
• 11:26
  are
• 11:26
  ugly
• 11:26
  right
• 11:27
  now.
• 11:27
  So
• 11:28
  again,
• 11:28
  your
• 11:28
  win
• 11:28
  today.
• 11:29
  Pull
• 11:29
  all
• 11:29
  three
• 11:29
  credit
• 11:30
  reports
• 11:30
  from
• 11:30
  annualcreditreport.com
• 11:32
  and
• 11:32
  make
• 11:32
  a
• 11:33
  debt
• 11:33
  list.
• 11:33
  And
• 11:33
  this
• 11:33
  goes
• 11:33
  for
• 11:34
  anybody.
• 11:34
  You
• 11:34
  don't
• 11:34
  have
• 11:34
  to
• 11:34
  get
• 11:34
  shot
• 11:35
  to
• 11:35
  do
• 11:35
  this.
• 11:36
  Pull
• 11:36
  that
• 11:36
  credit
• 11:37
  report
• 11:37
  today.
• 11:38
  Don't
• 11:38
  negotiate
• 11:39
  everything
• 11:39
  today.
• 11:39
  Don't
• 11:40
  call
• 11:40
  every
• 11:40
  creditor
• 11:41
  today.
• 11:41
  Just
• 11:42
  make
• 11:42
  the
• 11:42
  list.
• 11:43
  Put
• 11:43
  that
• 11:43
  information
• 11:44
  together.
• 11:46
  This
• 11:46
  one
• 11:46
  list
• 11:47
  will
• 11:47
  turn
• 11:48
  fear
• 11:48
  into
• 11:48
  something
• 11:49
  you
• 11:49
  can
• 11:49
  actually
• 11:49
  work
• 11:50
  with.
• 11:50
  Now,
• 11:51
  I
• 11:51
  had
• 11:51
  to
• 11:51
  dig
• 11:52
  deep
• 11:52
  to
• 11:52
  get
• 11:52
  our
• 11:52
  Bible
• 11:53
  verse
• 11:53
  today,
• 11:53
  but
• 11:53
  it
• 11:53
  comes
• 11:53
  from
• 11:54
  the
• 11:54
  book
• 11:54
  of
• 11:54
  Psalms,
• 11:55
  chapter
• 11:55
  34,
• 11:56
  verse,
• 11:56
  verse
• 11:57
  18.
• 11:58
  And
• 11:58
  this
• 11:58
  one
• 11:58
  really
• 11:59
  reaffirms
• 11:59
  what
• 11:59
  we're
• 12:00
  talking
• 12:00
  about
• 12:00
  today.
• 12:02
  The
• 12:02
  Lord
• 12:02
  is
• 12:02
  close
• 12:03
  to
• 12:03
  the
• 12:03
  brokenhearted
• 12:04
  and
• 12:04
  saves
• 12:05
  those
• 12:05
  who
• 12:05
  are
• 12:05
  crushed
• 12:06
  in
• 12:06
  spirit.
• 12:07
  And
• 12:08
  friend,
• 12:08
  you're
• 12:08
  not
• 12:08
  just
• 12:08
  dealing
• 12:09
  with
• 12:09
  debt.
• 12:10
  You're
• 12:10
  dealing
• 12:10
  with
• 12:10
  trauma.
• 12:11
  You're
• 12:12
  dealing
• 12:12
  with
• 12:12
  loss.
• 12:13
  You
• 12:13
  mentioned
• 12:13
  that
• 12:13
  you're
• 12:14
  on
• 12:14
  your
• 12:14
  own.
• 12:14
  You're
• 12:15
  dealing
• 12:15
  with
• 12:15
  fear.
• 12:16
  And
• 12:16
  you've
• 12:16
  got
• 12:17
  this
• 12:17
  fear
• 12:17
  and
• 12:18
  this
• 12:18
  weight
• 12:18
  of
• 12:18
  rebuilding
• 12:19
  without
• 12:19
  much
• 12:19
  support.
• 12:21
  But
• 12:21
  this
• 12:21
  verse
• 12:21
  in
• 12:22
  scripture,
• 12:23
  it
• 12:23
  doesn't
• 12:23
  shame
• 12:23
  the
• 12:24
  brokenhearted.
• 12:24
  It
• 12:25
  tells
• 12:25
  us
• 12:25
  that
• 12:25
  God
• 12:25
  is
• 12:26
  close.
• 12:27
  And
• 12:28
  sometimes
• 12:28
  the
• 12:28
  very
• 12:29
  first
• 12:29
  step
• 12:29
  towards
• 12:30
  financial
• 12:30
  recovery
• 12:31
  is
• 12:31
  believing
• 12:31
  that
• 12:32
  you're
• 12:32
  not
• 12:32
  alone
• 12:32
  in
• 12:32
  this
• 12:33
  while
• 12:34
  you
• 12:34
  take
• 12:34
  that
• 12:34
  first
• 12:34
  step.
• 12:36
  But
• 12:36
  I
• 12:36
  want
• 12:36
  to
• 12:36
  sit
• 12:36
  for
• 12:37
  a
• 12:37
  moment
• 12:37
  with
• 12:37
  the
• 12:37
  question
• 12:37
  you
• 12:38
  asked
• 12:38
  near
• 12:38
  the
• 12:38
  end
• 12:39
  because
• 12:39
  I
• 12:40
  really
• 12:40
  want
• 12:40
  to
• 12:40
  trumpet
• 12:41
  this.
• 12:41
  You
• 12:41
  said,
• 12:42
  is
• 12:42
  there
• 12:42
  a
• 12:42
  path
• 12:42
  through
• 12:43
  this
• 12:43
  that
• 12:43
  doesn't
• 12:43
  feel
• 12:44
  impossible?
• 12:45
  And
• 12:45
  that's
• 12:46
  more
• 12:46
  than
• 12:46
  a
• 12:46
  financial
• 12:47
  question.
• 12:48
  That's
• 12:48
  what
• 12:48
  a
• 12:49
  person
• 12:49
  asks
• 12:49
  when
• 12:49
  they've
• 12:49
  been
• 12:50
  hit
• 12:50
  so
• 12:50
  hard
• 12:51
  that
• 12:51
  even
• 12:51
  hope
• 12:51
  feels
• 12:52
  expensive.
• 12:53
  And
• 12:53
  I
• 12:54
  could
• 12:54
  just
• 12:54
  throw
• 12:54
  a
• 12:54
  Bible
• 12:55
  verse
• 12:55
  at
• 12:55
  you,
• 12:55
  but
• 12:56
  you've
• 12:56
  already
• 12:56
  got
• 12:57
  this
• 12:57
  trauma
• 12:57
  wound.
• 12:58
  And
• 12:59
  I
• 12:59
  can
• 12:59
  try
• 12:59
  to
• 12:59
  pretend
• 13:00
  like
• 13:00
  this
• 13:00
  is
• 13:00
  going
• 13:00
  to
• 13:01
  make
• 13:01
  the
• 13:01
  pain
• 13:01
  disappear.
• 13:03
  It's
• 13:03
  not.
• 13:04
  But
• 13:04
  our
• 13:05
  faith
• 13:05
  doesn't
• 13:05
  pretend.
• 13:06
  This
• 13:06
  isn't
• 13:06
  heavy
• 13:07
  faith
• 13:08
  doesn't
• 13:08
  mean
• 13:08
  you
• 13:09
  have
• 13:09
  to
• 13:09
  carry
• 13:09
  it
• 13:09
  alone.
• 13:10
  God,
• 13:10
  it's
• 13:10
  said
• 13:10
  in
• 13:11
  the
• 13:11
  scripture,
• 13:11
  is
• 13:11
  close
• 13:12
  to
• 13:12
  the
• 13:12
  brokenhearted.
• 13:13
  And
• 13:14
  he's
• 13:14
  right
• 13:14
  there
• 13:14
  with
• 13:14
  you
• 13:15
  as
• 13:15
  rebuild.
• 13:16
  And
• 13:16
  he's
• 13:16
  with
• 13:16
  you
• 13:16
  in
• 13:17
  that
• 13:17
  exhaustion.
• 13:18
  He's
• 13:18
  with
• 13:18
  you
• 13:18
  in
• 13:19
  that
• 13:19
  embarrassment.
• 13:20
  And
• 13:20
  when
• 13:20
  you're
• 13:20
  trying
• 13:21
  to
• 13:21
  make
• 13:21
  these
• 13:21
  wise
• 13:22
  decisions
• 13:22
  with
• 13:22
  a
• 13:22
  bruised
• 13:23
  heart
• 13:24
  and
• 13:24
  a
• 13:24
  thin
• 13:24
  wallet.
• 13:25
  Now,
• 13:25
  the
• 13:26
  next
• 13:26
  step
• 13:26
  we
• 13:26
  talked
• 13:27
  about
• 13:27
  today
• 13:27
  might
• 13:27
  not
• 13:27
  be
• 13:28
  exciting,
• 13:28
  but
• 13:29
  it
• 13:29
  might
• 13:29
  be
• 13:29
  making
• 13:29
  that
• 13:30
  one
• 13:30
  phone
• 13:30
  call.
• 13:31
  It
• 13:31
  might
• 13:31
  be
• 13:32
  opening
• 13:32
  that
• 13:32
  letter,
• 13:33
  asking
• 13:33
  that
• 13:33
  one
• 13:34
  attorney
• 13:34
  one
• 13:34
  question,
• 13:35
  pulling
• 13:35
  that
• 13:35
  credit
• 13:36
  report,
• 13:37
  or
• 13:37
  maybe
• 13:38
  just
• 13:38
  praying
• 13:38
  one
• 13:38
  honest
• 13:39
  prayer
• 13:39
  that
• 13:39
  sounds
• 13:40
  more
• 13:40
  like,
• 13:40
  lord,
• 13:40
  help
• 13:41
  me.
• 13:41
  It's
• 13:41
  okay
• 13:42
  to
• 13:42
  say
• 13:42
  that
• 13:42
  sometimes.
• 13:44
  It
• 13:44
  doesn't
• 13:44
  have
• 13:44
  to
• 13:45
  be
• 13:45
  polished.
• 13:46
  You
• 13:47
  may
• 13:47
  not
• 13:47
  see
• 13:47
  the
• 13:47
  whole
• 13:48
  path
• 13:48
  today.
• 13:48
  You've
• 13:48
  been
• 13:48
  through
• 13:49
  trauma,
• 13:49
  my
• 13:49
  friend,
• 13:50
  but
• 13:51
  you
• 13:51
  can
• 13:51
  ask
• 13:51
  for
• 13:51
  God
• 13:52
  for
• 13:52
  enough
• 13:53
  light
• 13:53
  for
• 13:53
  the
• 13:53
  next
• 13:54
  step.
• 13:55
  And
• 13:55
  how
• 13:55
  about
• 13:55
  we
• 13:55
  pray
• 13:56
  together
• 13:56
  right
• 13:56
  now?
• 13:57
  Heavenly
• 13:58
  Father,
• 13:58
  I
• 13:59
  lift
• 13:59
  up
• 13:59
  this
• 13:59
  listener
• 14:00
  today.
• 14:01
  You
• 14:01
  know
• 14:01
  what
• 14:01
  happened
• 14:02
  to
• 14:02
  him.
• 14:02
  Lord,
• 14:02
  you
• 14:03
  see
• 14:03
  the
• 14:03
  fear.
• 14:04
  You
• 14:04
  see
• 14:04
  that
• 14:05
  hospital
• 14:05
  stay,
• 14:05
  man,
• 14:06
  you
• 14:06
  were
• 14:06
  right
• 14:06
  there
• 14:06
  with
• 14:06
  him
• 14:07
  the
• 14:07
  whole
• 14:07
  time.
• 14:08
  You
• 14:08
  felt
• 14:08
  that
• 14:08
  job
• 14:09
  loss
• 14:09
  with
• 14:09
  him.
• 14:09
  You
• 14:10
  saw
• 14:10
  him
• 14:10
  lose
• 14:10
  his
• 14:10
  home.
• 14:11
  You
• 14:11
  saw
• 14:12
  that
• 14:12
  car
• 14:12
  get
• 14:12
  repossessed
• 14:13
  and
• 14:13
  that
• 14:13
  debt
• 14:13
  that
• 14:14
  followed.
• 14:14
  So,
• 14:15
  Lord,
• 14:15
  right
• 14:15
  now
• 14:15
  we
• 14:15
  just
• 14:16
  want
• 14:16
  to
• 14:16
  praise
• 14:16
  you
• 14:16
  for
• 14:16
  bringing
• 14:17
  him
• 14:17
  back
• 14:17
  to
• 14:17
  a
• 14:18
  place
• 14:18
  of
• 14:18
  health.
• 14:19
  But
• 14:19
  Lord,
• 14:19
  give
• 14:20
  him
• 14:20
  steady
• 14:20
  wisdom
• 14:21
  to
• 14:21
  know
• 14:21
  what
• 14:21
  to
• 14:21
  handle
• 14:22
  first
• 14:22
  and
• 14:23
  what
• 14:23
  can
• 14:23
  wait.
• 14:23
  Lord,
• 14:24
  help
• 14:25
  him
• 14:25
  to
• 14:25
  protect
• 14:25
  his
• 14:25
  income
• 14:26
  and
• 14:26
  that
• 14:26
  transportation
• 14:27
  and
• 14:28
  his
• 14:28
  housing.
• 14:29
  Lord,
• 14:29
  guide
• 14:29
  him
• 14:30
  to
• 14:30
  the
• 14:30
  right
• 14:30
  attorney,
• 14:30
  put
• 14:31
  the
• 14:31
  right
• 14:31
  people
• 14:31
  in
• 14:31
  front
• 14:31
  of
• 14:32
  him,
• 14:32
  those
• 14:32
  right
• 14:32
  counselors.
• 14:34
  And
• 14:34
  Lord,
• 14:35
  help
• 14:35
  him
• 14:35
  to
• 14:35
  correct
• 14:36
  what
• 14:36
  was
• 14:36
  handled
• 14:36
  wrongly.
• 14:38
  But
• 14:38
  more
• 14:38
  than
• 14:38
  any
• 14:38
  of
• 14:38
  those
• 14:39
  things,
• 14:39
  Lord,
• 14:39
  help
• 14:39
  them
• 14:40
  to
• 14:40
  have
• 14:40
  courage,
• 14:40
  to
• 14:40
  open
• 14:41
  that
• 14:41
  mail,
• 14:42
  to
• 14:42
  make
• 14:42
  that
• 14:42
  call,
• 14:43
  ask
• 14:44
  those
• 14:44
  questions
• 14:45
  and
• 14:46
  take
• 14:46
  those
• 14:46
  next
• 14:47
  steps
• 14:47
  without
• 14:47
  drowning
• 14:48
  in
• 14:48
  shame.
• 14:49
  And
• 14:49
  Lord,
• 14:49
  where
• 14:50
  there
• 14:50
  has
• 14:50
  been
• 14:50
  injustice,
• 14:51
  bring
• 14:51
  truth.
• 14:52
  Where
• 14:52
  there
• 14:52
  has
• 14:52
  been
• 14:53
  confusion
• 14:53
  Lord,
• 14:53
  bring
• 14:54
  order
• 14:54
  to
• 14:54
  this.
• 14:55
  And
• 14:55
  when
• 14:55
  there
• 14:56
  has
• 14:56
  been
• 14:56
  fear,
• 14:57
  bring
• 14:58
  peace.
• 14:59
  And
• 14:59
  remind
• 14:59
  all
• 15:00
  of
• 15:00
  us,
• 15:00
  Lord,
• 15:00
  that
• 15:00
  we're
• 15:01
  not
• 15:01
  what
• 15:01
  our
• 15:02
  credit
• 15:02
  score
• 15:02
  tells
• 15:03
  us.
• 15:03
  We're
• 15:03
  not
• 15:03
  our
• 15:04
  debts.
• 15:04
  We're
• 15:05
  not
• 15:05
  the
• 15:05
  worst
• 15:05
  season
• 15:05
  of
• 15:06
  our
• 15:06
  life.
• 15:07
  He's
• 15:08
  your
• 15:08
  child.
• 15:09
  And
• 15:09
  as
• 15:09
  the
• 15:10
  scripture
• 15:10
  said,
• 15:10
  Lord,
• 15:11
  you're
• 15:12
  close
• 15:12
  to
• 15:12
  the
• 15:12
  brokenhearted.
• 15:13
  And
• 15:14
  we
• 15:14
  ask
• 15:14
  this
• 15:14
  in
• 15:14
  Jesus
• 15:15
  name.
• 15:16
  Amen,
• 15:17
  friend.
• 15:18
  If
• 15:18
  your
• 15:18
  situation
• 15:18
  feels
• 15:19
  too
• 15:19
  messy
• 15:19
  to
• 15:19
  talk
• 15:20
  about,
• 15:21
  messy
• 15:21
  doesn't
• 15:21
  mean
• 15:22
  it's
• 15:22
  hopeless.
• 15:23
  And
• 15:23
  you
• 15:23
  don't
• 15:23
  have
• 15:23
  to
• 15:23
  fix
• 15:24
  everything
• 15:24
  before
• 15:24
  you
• 15:25
  ask
• 15:25
  for
• 15:25
  help.
• 15:26
  So
• 15:26
  again,
• 15:26
  stabilize
• 15:27
  first.
• 15:28
  Protect
• 15:28
  that
• 15:29
  income
• 15:29
  dispute
• 15:30
  what's
• 15:30
  wrong
• 15:31
  and
• 15:31
  and
• 15:31
  get
• 15:31
  legal
• 15:32
  guidance
• 15:32
  before
• 15:32
  fear
• 15:33
  makes
• 15:33
  the
• 15:33
  decision
• 15:33
  for
• 15:34
  you.
• 15:35
  Maybe
• 15:35
  you're
• 15:35
  going
• 15:36
  through
• 15:36
  a
• 15:36
  trauma
• 15:36
  just
• 15:36
  like
• 15:37
  this.
• 15:37
  Maybe
• 15:37
  it
• 15:37
  wasn't
• 15:37
  getting
• 15:37
  shot,
• 15:38
  but
• 15:38
  you're
• 15:38
  going
• 15:38
  through
• 15:38
  a
• 15:39
  tough
• 15:39
  time.
• 15:39
  Maybe
• 15:39
  a
• 15:39
  divorce,
• 15:40
  maybe
• 15:40
  a
• 15:40
  death
• 15:41
  in
• 15:41
  the
• 15:41
  family,
• 15:41
  or
• 15:41
  maybe
• 15:42
  you're
• 15:42
  just
• 15:42
  struggling
• 15:43
  financially.
• 15:43
  I
• 15:44
  would
• 15:44
  love
• 15:44
  to
• 15:44
  help
• 15:44
  you.
• 15:45
  You
• 15:45
  can
• 15:45
  reach
• 15:46
  me
• 15:46
  by
• 15:46
  going
• 15:46
  to
• 15:46
  financiallyconfidentchristian.com/question
• 15:51
  We'll
• 15:51
  put
• 15:51
  that
• 15:51
  link
• 15:51
  in
• 15:51
  the
• 15:52
  show
• 15:52
  notes,
• 15:52
  but
• 15:52
  again,
• 15:52
  that's
• 15:53
  financiallyconfidentchristian.com/question.
• 15:57
  I
• 15:57
  just
• 15:57
  want
• 15:57
  to
• 15:58
  thank
• 15:58
  you
• 15:58
  so
• 15:58
  much
• 15:58
  for
• 15:58
  joining
• 15:59
  me
• 15:59
  today.
• 15:59
  I
• 16:00
  want
• 16:00
  to
• 16:00
  encourage
• 16:00
  you
• 16:00
  to
• 16:01
  stay
• 16:01
  financially
• 16:01
  savvy.
• 16:02
  May
• 16:02
  God
• 16:03
  bless
• 16:03
  you
• 16:03
  and
• 16:04
  you
• 16:04
  have
• 16:04
  a
• 16:04
  truly
• 16:05
  great
• 16:05
  day.
• 16:23
  We
• 16:23
  rise.