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Is Panic Your Financial Advisor? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  spent
• 0:38
  money
• 0:38
  just
• 0:39
  to
• 0:39
  feel
• 0:39
  safe?
• 0:41
  Not
• 0:41
  because
• 0:41
  you
• 0:41
  needed
• 0:42
  it,
• 0:43
  not
• 0:43
  because
• 0:43
  it
• 0:43
  aligned
• 0:44
  with
• 0:44
  your
• 0:44
  goals,
• 0:46
  but
• 0:46
  because
• 0:46
  panic
• 0:47
  was
• 0:47
  loud.
• 0:48
  Fear
• 0:49
  said,
• 0:50
  what
• 0:50
  if
• 0:50
  this
• 0:50
  gets
• 0:50
  worse?
• 0:52
  What
• 0:53
  if
• 0:53
  I
• 0:53
  run
• 0:53
  out?
• 0:55
  What
• 0:55
  if
• 0:55
  I'm
• 0:56
  not
• 0:56
  prepared?
• 0:57
  And
• 0:58
  before
• 0:58
  you
• 0:58
  even
• 0:59
  think,
• 0:59
  you
• 0:59
  swipe
• 1:00
  that
• 1:00
  card.
• 1:02
  So
• 1:02
  today,
• 1:02
  if
• 1:02
  your
• 1:03
  spending
• 1:03
  has
• 1:03
  been
• 1:03
  driven
• 1:04
  more
• 1:04
  by
• 1:04
  anxiety
• 1:05
  than
• 1:05
  alignment,
• 1:07
  today
• 1:07
  I'm
• 1:07
  going
• 1:07
  to
• 1:07
  show
• 1:07
  you
• 1:07
  how
• 1:08
  to
• 1:08
  slow
• 1:08
  that
• 1:08
  down.
• 1:09
  Because
• 1:10
  the
• 1:10
  truth
• 1:10
  is,
• 1:10
  panic
• 1:11
  is
• 1:11
  a
• 1:11
  terrible
• 1:12
  financial
• 1:13
  advisor.
• 1:36
  Hello,
• 1:36
  friend.
• 1:37
  Ralph
• 1:38
  Estep
• 1:38
  Jr.
• 1:38
  Here.
• 1:39
  Welcome
• 1:40
  to
• 1:40
  Financially
• 1:41
  Confident
• 1:41
  Christian,
• 1:42
  where
• 1:42
  every
• 1:43
  day
• 1:43
  we're
• 1:43
  breaking
• 1:44
  that
• 1:44
  cycle
• 1:44
  of
• 1:44
  financial
• 1:45
  shame
• 1:46
  and
• 1:46
  trying
• 1:46
  to
• 1:47
  find
• 1:47
  true
• 1:47
  confidence.
• 1:49
  And
• 1:49
  today
• 1:49
  we're
• 1:50
  talking
• 1:50
  about
• 1:50
  panic.
• 1:52
  Specifically,
• 1:52
  we're
• 1:52
  going
• 1:52
  to
• 1:53
  talk
• 1:53
  about
• 1:53
  what
• 1:53
  to
• 1:53
  do
• 1:54
  when
• 1:54
  panic
• 1:54
  drives
• 1:55
  your
• 1:55
  spending
• 1:56
  instead
• 1:56
  of
• 1:57
  your
• 1:57
  values.
• 1:58
  Let's
• 1:58
  get
• 1:59
  right
• 1:59
  into
• 1:59
  today's
• 1:59
  listener
• 2:00
  question.
• 2:01
  Listener
• 2:02
  writes
• 2:02
  this.
• 2:02
  Ralph,
• 2:03
  my
• 2:04
  money
• 2:04
  decisions
• 2:04
  are
• 2:05
  driven
• 2:05
  by
• 2:05
  fear.
• 2:07
  Fear
• 2:07
  of
• 2:07
  not
• 2:08
  having
• 2:08
  enough,
• 2:09
  fear
• 2:09
  of
• 2:10
  the
• 2:10
  future,
• 2:11
  fear
• 2:11
  of
• 2:11
  everything.
• 2:13
  I
• 2:13
  want
• 2:13
  to
• 2:13
  align
• 2:14
  my
• 2:14
  spending
• 2:14
  with
• 2:14
  my
• 2:15
  values
• 2:15
  and
• 2:15
  make
• 2:15
  choices
• 2:16
  from
• 2:16
  a
• 2:16
  place
• 2:17
  of
• 2:17
  faith.
• 2:18
  But
• 2:18
  I
• 2:19
  keep
• 2:19
  reacting.
• 2:20
  It's
• 2:20
  wearing
• 2:21
  me
• 2:21
  down.
• 2:22
  How
• 2:23
  do
• 2:23
  I
• 2:23
  stop
• 2:23
  letting
• 2:24
  panic
• 2:24
  control
• 2:24
  me
• 2:25
  and
• 2:26
  start
• 2:26
  making
• 2:26
  intentional
• 2:27
  decisions?
• 2:29
  I
• 2:29
  need
• 2:29
  a
• 2:29
  way
• 2:30
  to
• 2:30
  shift
• 2:30
  from
• 2:30
  fear
• 2:31
  to
• 2:31
  fate.
• 2:32
  But
• 2:32
  I
• 2:32
  feel
• 2:33
  stuck
• 2:33
  in
• 2:33
  this
• 2:33
  pattern.
• 2:36
  This
• 2:36
  is
• 2:36
  a
• 2:36
  pattern
• 2:37
  so
• 2:37
  many
• 2:37
  people
• 2:38
  get
• 2:38
  themselves
• 2:39
  stuck
• 2:39
  in.
• 2:41
  So
• 2:41
  here's
• 2:41
  the
• 2:41
  big
• 2:41
  idea
• 2:42
  for
• 2:42
  today.
• 2:44
  Fear
• 2:44
  reacts,
• 2:46
  but
• 2:46
  faith
• 2:47
  plans.
• 2:47
  That's
• 2:47
  what
• 2:47
  we're
• 2:48
  really
• 2:48
  going
• 2:48
  to
• 2:48
  talk
• 2:48
  about
• 2:48
  today.
• 2:49
  We're
• 2:49
  going
• 2:49
  to
• 2:49
  move
• 2:49
  away
• 2:50
  from
• 2:50
  reaction
• 2:51
  and
• 2:51
  into
• 2:52
  planning.
• 2:54
  But
• 2:54
  now
• 2:54
  you're
• 2:54
  saying,
• 2:54
  Ralph,
• 2:55
  how
• 2:55
  does
• 2:55
  that
• 2:55
  happen?
• 2:55
  I'm
• 2:56
  still
• 2:56
  living
• 2:56
  in
• 2:56
  fear.
• 2:58
  Well,
• 2:58
  here's
• 2:58
  the
• 2:58
  first
• 2:59
  thing
• 2:59
  you've
• 2:59
  got
• 2:59
  to
• 2:59
  do.
• 3:00
  You've
• 3:00
  got
• 3:01
  to
• 3:01
  identify
• 3:02
  your
• 3:02
  panic
• 3:02
  triggers.
• 3:05
  Truth
• 3:05
  is,
• 3:05
  spending
• 3:06
  is
• 3:06
  rarely
• 3:07
  about
• 3:07
  the
• 3:07
  purchase.
• 3:08
  That
• 3:09
  panic
• 3:09
  isn't
• 3:10
  about
• 3:10
  that.
• 3:12
  It's
• 3:12
  usually
• 3:12
  about
• 3:12
  a
• 3:13
  feeling.
• 3:14
  When
• 3:15
  you
• 3:15
  go
• 3:15
  to
• 3:15
  feel
• 3:15
  like
• 3:15
  you're
• 3:15
  going
• 3:16
  to
• 3:16
  spend,
• 3:16
  ask
• 3:16
  yourself
• 3:17
  this,
• 3:17
  what
• 3:17
  just
• 3:18
  happened?
• 3:19
  Did
• 3:19
  you
• 3:19
  see
• 3:20
  something?
• 3:20
  Was
• 3:20
  it
• 3:21
  a
• 3:21
  comparison?
• 3:23
  Was
• 3:23
  it
• 3:23
  a
• 3:23
  news
• 3:23
  headline?
• 3:25
  Was
• 3:25
  it
• 3:25
  a
• 3:25
  low
• 3:26
  bank
• 3:26
  balance?
• 3:27
  Maybe
• 3:27
  a
• 3:27
  conversation,
• 3:29
  a
• 3:29
  memory
• 3:30
  that
• 3:30
  you
• 3:30
  have.
• 3:33
  You
• 3:33
  can't
• 3:34
  change
• 3:34
  what
• 3:34
  you
• 3:34
  don't
• 3:35
  name.
• 3:35
  So
• 3:35
  you
• 3:35
  got
• 3:36
  to
• 3:36
  start
• 3:36
  there
• 3:36
  by
• 3:36
  naming
• 3:37
  it,
• 3:37
  understanding
• 3:38
  that,
• 3:39
  what
• 3:39
  does
• 3:39
  that
• 3:40
  trigger?
• 3:40
  Because
• 3:41
  panic
• 3:41
  thrives
• 3:42
  in
• 3:42
  vagueness
• 3:44
  in
• 3:44
  the
• 3:44
  dark.
• 3:46
  But
• 3:46
  clarity
• 3:47
  weakens
• 3:47
  it.
• 3:49
  Here's
• 3:49
  one
• 3:50
  thing
• 3:50
  you
• 3:50
  can
• 3:50
  do
• 3:50
  to
• 3:50
  start
• 3:50
  to
• 3:51
  break
• 3:51
  that
• 3:51
  cycle.
• 3:53
  I
• 3:53
  love
• 3:53
  this
• 3:53
  one
• 3:53
  and
• 3:54
  I
• 3:54
  recommend
• 3:54
  this
• 3:54
  all
• 3:55
  the
• 3:55
  time.
• 3:55
  If
• 3:55
  you've
• 3:55
  listened
• 3:56
  to
• 3:56
  me
• 3:56
  like
• 3:56
  Ralph,
• 3:56
  yes,
• 3:57
  I've
• 3:57
  heard
• 3:57
  this,
• 3:57
  but
• 3:58
  I'm
• 3:58
  going
• 3:58
  to
• 3:58
  reinforce
• 3:58
  it
• 3:59
  again
• 3:59
  today.
• 4:00
  Insert
• 4:01
  a
• 4:01
  24
• 4:01
  hour
• 4:02
  pause
• 4:02
  rule
• 4:04
  when
• 4:04
  you're
• 4:04
  feeling
• 4:05
  fear.
• 4:06
  When
• 4:06
  fear
• 4:07
  spikes,
• 4:09
  put
• 4:09
  a
• 4:09
  pause
• 4:10
  button.
• 4:11
  Put
• 4:11
  a
• 4:11
  Delay
• 4:12
  now,
• 4:12
  I'm
• 4:12
  not
• 4:12
  talking
• 4:13
  about
• 4:13
  delaying
• 4:14
  forever.
• 4:15
  I'm
• 4:15
  just
• 4:15
  talking
• 4:16
  about
• 4:16
  24
• 4:16
  hours.
• 4:18
  Honestly,
• 4:18
  for
• 4:19
  you
• 4:19
  it
• 4:19
  might
• 4:19
  be
• 4:19
  36
• 4:20
  or
• 4:20
  48,
• 4:21
  or
• 4:21
  for
• 4:21
  you
• 4:21
  it
• 4:21
  might
• 4:21
  be
• 4:21
  a
• 4:22
  week.
• 4:23
  Whatever
• 4:24
  makes
• 4:24
  you
• 4:24
  move
• 4:25
  away
• 4:25
  from
• 4:25
  that
• 4:25
  fear.
• 4:27
  Create
• 4:27
  a
• 4:27
  personal
• 4:28
  rule
• 4:28
  that
• 4:28
  says
• 4:29
  something
• 4:29
  like
• 4:29
  this.
• 4:29
  I
• 4:29
  don't
• 4:30
  make
• 4:30
  emotional
• 4:30
  purchases.
• 4:32
  By
• 4:32
  the
• 4:32
  way,
• 4:32
  this
• 4:32
  is
• 4:33
  a
• 4:33
  great
• 4:33
  way
• 4:33
  to
• 4:33
  get
• 4:33
  off
• 4:34
  the
• 4:34
  phone
• 4:34
  with
• 4:34
  a
• 4:35
  telemarketer.
• 4:36
  Just
• 4:36
  say
• 4:36
  to
• 4:36
  them,
• 4:37
  listen,
• 4:37
  I
• 4:37
  don't
• 4:37
  buy
• 4:38
  stuff
• 4:38
  emotionally.
• 4:39
  I've
• 4:39
  got
• 4:39
  to
• 4:39
  think
• 4:40
  about
• 4:40
  it.
• 4:41
  I
• 4:41
  want
• 4:41
  to
• 4:41
  examine
• 4:42
  it.
• 4:43
  This
• 4:43
  pause
• 4:44
  is
• 4:44
  not
• 4:44
  punishment.
• 4:45
  It's
• 4:46
  actually
• 4:46
  protecting
• 4:47
  you.
• 4:48
  Because
• 4:49
  what
• 4:49
  I
• 4:49
  have
• 4:49
  found
• 4:49
  in
• 4:50
  my
• 4:50
  own
• 4:50
  life.
• 4:51
  And
• 4:52
  listen,
• 4:52
  I'm
• 4:52
  feeling
• 4:53
  the
• 4:53
  same
• 4:53
  thing
• 4:53
  as
• 4:53
  you're
• 4:53
  feeling
• 4:55
  when
• 4:55
  that
• 4:55
  panic
• 4:56
  fades,
• 4:57
  when
• 4:58
  time
• 4:58
  enters
• 4:58
  the
• 4:58
  room,
• 4:59
  when
• 4:59
  you
• 4:59
  put
• 4:59
  time
• 4:59
  into
• 5:00
  the
• 5:00
  equation.
• 5:01
  24,
• 5:02
  48
• 5:02
  hours.
• 5:03
  I
• 5:03
  don't
• 5:04
  know
• 5:04
  how
• 5:04
  many
• 5:04
  times
• 5:04
  I
• 5:04
  put
• 5:05
  stuff
• 5:05
  in
• 5:05
  my
• 5:05
  Amazon
• 5:06
  cart.
• 5:07
  I
• 5:07
  went
• 5:07
  back
• 5:07
  a
• 5:07
  day
• 5:08
  or
• 5:08
  two
• 5:08
  later
• 5:08
  and
• 5:08
  I'm
• 5:08
  like,
• 5:08
  why
• 5:09
  did
• 5:09
  I
• 5:09
  even
• 5:09
  put
• 5:09
  that
• 5:09
  in
• 5:09
  there?
• 5:10
  What
• 5:10
  do
• 5:10
  I
• 5:10
  need
• 5:10
  that
• 5:10
  for?
• 5:11
  I
• 5:11
  already
• 5:11
  have
• 5:11
  one
• 5:11
  of
• 5:12
  those.
• 5:13
  But
• 5:13
  build
• 5:14
  in
• 5:14
  that
• 5:14
  pause.
• 5:16
  Here's
• 5:16
  another
• 5:16
  thing
• 5:16
  I'm
• 5:17
  encouraged
• 5:17
  you
• 5:17
  to
• 5:17
  do.
• 5:18
  Write
• 5:18
  your
• 5:19
  values
• 5:19
  down.
• 5:21
  So
• 5:21
  many
• 5:21
  people
• 5:21
  have
• 5:22
  values.
• 5:22
  But
• 5:22
  if
• 5:22
  you
• 5:23
  don't
• 5:23
  define
• 5:23
  your
• 5:24
  values,
• 5:25
  fear
• 5:26
  will
• 5:26
  define
• 5:27
  them.
• 5:27
  For
• 5:27
  you.
• 5:29
  Write
• 5:29
  three
• 5:30
  money
• 5:30
  values.
• 5:32
  Maybe
• 5:32
  for
• 5:32
  you
• 5:32
  it's
• 5:32
  security.
• 5:34
  You
• 5:34
  want
• 5:34
  to
• 5:34
  have
• 5:34
  security.
• 5:35
  You
• 5:35
  want
• 5:35
  to
• 5:35
  make
• 5:35
  sure
• 5:36
  things
• 5:36
  are
• 5:36
  going
• 5:36
  to
• 5:36
  be
• 5:36
  okay.
• 5:38
  Maybe
• 5:38
  for
• 5:38
  you
• 5:38
  it's
• 5:39
  all
• 5:39
  about
• 5:39
  generosity.
• 5:40
  You
• 5:40
  want
• 5:40
  to
• 5:40
  be
• 5:40
  generous
• 5:41
  to
• 5:41
  others.
• 5:41
  That's
• 5:42
  a
• 5:42
  value
• 5:42
  to
• 5:42
  you.
• 5:44
  Maybe
• 5:44
  for
• 5:44
  you,
• 5:44
  a
• 5:45
  value
• 5:45
  of
• 5:45
  stability.
• 5:46
  Maybe
• 5:46
  you
• 5:46
  had
• 5:47
  a
• 5:47
  time
• 5:47
  in
• 5:47
  your
• 5:47
  life
• 5:48
  when
• 5:48
  things
• 5:48
  weren't
• 5:48
  stable
• 5:49
  and
• 5:49
  you
• 5:49
  don't
• 5:49
  ever
• 5:50
  want
• 5:50
  to
• 5:50
  go
• 5:50
  back
• 5:50
  there
• 5:50
  again.
• 5:52
  Maybe
• 5:52
  for
• 5:53
  you
• 5:53
  it's
• 5:53
  freedom.
• 5:54
  Maybe
• 5:55
  you've
• 5:55
  been
• 5:55
  in
• 5:55
  a
• 5:55
  tough
• 5:55
  relationship
• 5:56
  and
• 5:56
  you
• 5:57
  felt
• 5:57
  trapped,
• 5:57
  and
• 5:58
  now
• 5:58
  you've
• 5:58
  got
• 5:58
  your
• 5:59
  own
• 5:59
  finances,
• 5:59
  you've
• 6:00
  got
• 6:00
  your
• 6:00
  own
• 6:00
  things
• 6:00
  in
• 6:00
  order.
• 6:01
  Like,
• 6:01
  freedom
• 6:02
  is
• 6:02
  important
• 6:02
  to
• 6:02
  me,
• 6:02
  Ralph.
• 6:04
  Or
• 6:05
  maybe
• 6:05
  it's
• 6:05
  that
• 6:06
  biblical
• 6:06
  thought
• 6:07
  of
• 6:07
  stewardship.
• 6:09
  Whatever
• 6:10
  those
• 6:10
  values
• 6:10
  are
• 6:10
  for
• 6:11
  you,
• 6:11
  like
• 6:11
  I
• 6:11
  said,
• 6:11
  I've
• 6:11
  given
• 6:11
  you
• 6:12
  a
• 6:12
  couple
• 6:12
  Security,
• 6:12
  generosity,
• 6:13
  stability,
• 6:14
  freedom,
• 6:15
  stewardship.
• 6:16
  But
• 6:16
  choose
• 6:16
  yours.
• 6:17
  I
• 6:17
  don't
• 6:17
  define
• 6:18
  those
• 6:18
  for
• 6:18
  you.
• 6:19
  And
• 6:19
  then
• 6:20
  when
• 6:20
  you
• 6:20
  have
• 6:20
  those
• 6:20
  values
• 6:21
  and
• 6:21
  listen,
• 6:21
  I'm
• 6:22
  truly
• 6:22
  telling
• 6:22
  you,
• 6:22
  write
• 6:23
  them
• 6:23
  down.
• 6:24
  And
• 6:24
  then
• 6:24
  before
• 6:25
  you
• 6:25
  spend
• 6:25
  anything,
• 6:27
  ask
• 6:27
  yourself,
• 6:28
  does
• 6:28
  this
• 6:28
  move
• 6:28
  me
• 6:28
  toward
• 6:29
  my
• 6:29
  values
• 6:30
  or
• 6:30
  does
• 6:30
  it
• 6:31
  move
• 6:31
  me
• 6:31
  away
• 6:31
  from
• 6:31
  them?
• 6:33
  Because
• 6:33
  values
• 6:34
  will
• 6:34
  anchor
• 6:35
  you.
• 6:36
  Panic
• 6:37
  just
• 6:37
  makes
• 6:37
  you
• 6:37
  feel
• 6:37
  like
• 6:38
  drifting.
• 6:39
  Here's
• 6:40
  another
• 6:40
  thing
• 6:40
  is
• 6:40
  a
• 6:41
  practical
• 6:41
  encouragement.
• 6:42
  Strengthen
• 6:43
  your
• 6:43
  margin.
• 6:44
  What
• 6:45
  I
• 6:45
  have
• 6:45
  found
• 6:46
  is
• 6:46
  fear
• 6:47
  often
• 6:47
  spikes
• 6:47
  because
• 6:48
  margin
• 6:48
  is
• 6:49
  super
• 6:49
  thin.
• 6:51
  Even
• 6:51
  a
• 6:52
  small
• 6:52
  margin
• 6:53
  will
• 6:53
  build
• 6:54
  that
• 6:54
  emotional
• 6:54
  safety
• 6:55
  net.
• 6:56
  How
• 6:57
  do
• 6:57
  you
• 6:57
  do
• 6:57
  it?
• 6:57
  Start
• 6:58
  with
• 6:58
  a
• 6:58
  starter
• 6:58
  emergency
• 6:59
  fund.
• 7:00
  I'm
• 7:00
  not
• 7:00
  talking
• 7:01
  three,
• 7:01
  six
• 7:01
  months
• 7:02
  of
• 7:02
  earnings.
• 7:02
  I'm
• 7:02
  talking
• 7:03
  about
• 7:03
  with
• 7:03
  a
• 7:03
  hundred
• 7:03
  bucks
• 7:04
  or
• 7:05
  250
• 7:06
  bucks.
• 7:07
  Build
• 7:08
  that
• 7:08
  spending
• 7:08
  buffer.
• 7:09
  We've
• 7:09
  talked
• 7:09
  about
• 7:09
  that
• 7:09
  on
• 7:09
  the
• 7:10
  show
• 7:10
  many
• 7:10
  times.
• 7:12
  And
• 7:12
  look
• 7:12
  at
• 7:12
  your
• 7:13
  budget
• 7:13
  and
• 7:13
  have
• 7:13
  some
• 7:14
  clearer,
• 7:14
  cleaner
• 7:15
  categories.
• 7:17
  A
• 7:17
  lot
• 7:17
  of
• 7:18
  people
• 7:18
  say,
• 7:18
  well,
• 7:18
  Rob,
• 7:18
  I'm
• 7:19
  just
• 7:19
  going
• 7:19
  to
• 7:19
  be
• 7:19
  faithful.
• 7:19
  It's
• 7:20
  going
• 7:20
  to
• 7:20
  all
• 7:20
  fix
• 7:20
  it.
• 7:20
  Listen,
• 7:21
  faith
• 7:21
  does
• 7:22
  not
• 7:22
  ignore
• 7:22
  preparation.
• 7:25
  Faith
• 7:25
  prepares
• 7:26
  without
• 7:27
  obsessing
• 7:27
  about
• 7:28
  it.
• 7:29
  I
• 7:29
  truly
• 7:29
  believe
• 7:29
  the
• 7:30
  Lord
• 7:30
  wants
• 7:30
  you
• 7:30
  to
• 7:31
  be
• 7:31
  in
• 7:31
  stewardship.
• 7:32
  The
• 7:32
  Lord
• 7:32
  wants
• 7:32
  you
• 7:32
  to
• 7:33
  plan,
• 7:33
  The
• 7:33
  Lord
• 7:34
  wants
• 7:34
  you
• 7:34
  to
• 7:34
  prepare.
• 7:35
  You're
• 7:35
  not
• 7:35
  ignoring
• 7:36
  your
• 7:36
  faith
• 7:36
  by
• 7:36
  doing
• 7:37
  that.
• 7:37
  But
• 7:37
  I
• 7:37
  think
• 7:37
  it
• 7:37
  helps
• 7:38
  move
• 7:38
  you
• 7:38
  away
• 7:38
  from
• 7:38
  that
• 7:39
  fear
• 7:39
  and
• 7:39
  that
• 7:39
  panic
• 7:40
  and
• 7:40
  that
• 7:40
  obsession
• 7:42
  which
• 7:42
  leads
• 7:43
  me
• 7:43
  to
• 7:43
  this
• 7:44
  Replace
• 7:45
  that
• 7:45
  fear
• 7:46
  talk
• 7:46
  that
• 7:46
  all
• 7:46
  of
• 7:46
  us
• 7:47
  feel
• 7:47
  in
• 7:47
  our
• 7:47
  minds
• 7:48
  at
• 7:48
  times
• 7:49
  with
• 7:49
  truth
• 7:49
  talk.
• 7:51
  We've
• 7:51
  got
• 7:51
  to
• 7:51
  become
• 7:52
  interpreters
• 7:52
  of
• 7:53
  our
• 7:53
  own
• 7:53
  internal
• 7:54
  language.
• 7:55
  As
• 7:56
  if
• 7:56
  there's
• 7:56
  not
• 7:56
  enough
• 7:56
  to
• 7:57
  figure
• 7:57
  out,
• 7:57
  you
• 7:57
  got
• 7:57
  to
• 7:57
  start
• 7:57
  figuring
• 7:58
  out
• 7:58
  what
• 7:58
  you're
• 7:58
  saying
• 7:58
  about
• 7:58
  yourself.
• 8:00
  Like
• 8:01
  you
• 8:01
  said
• 8:01
  in
• 8:01
  your
• 8:01
  question
• 8:02
  today,
• 8:03
  fear
• 8:03
  makes
• 8:04
  statements
• 8:04
  like,
• 8:04
  you're
• 8:05
  behind,
• 8:06
  you're
• 8:06
  not
• 8:07
  safe.
• 8:08
  You're
• 8:09
  never
• 8:09
  going
• 8:09
  to
• 8:09
  catch
• 8:09
  up.
• 8:11
  Think
• 8:11
  about
• 8:11
  the
• 8:11
  fear
• 8:12
  statements
• 8:12
  you
• 8:12
  say
• 8:13
  to
• 8:13
  yourself
• 8:13
  every
• 8:13
  day,
• 8:14
  I'm
• 8:15
  not
• 8:15
  good
• 8:15
  with
• 8:15
  money.
• 8:16
  Oh,
• 8:16
  I'll
• 8:17
  never
• 8:17
  be
• 8:17
  able
• 8:17
  to
• 8:17
  save.
• 8:18
  I'm
• 8:19
  never
• 8:19
  going
• 8:19
  to
• 8:19
  be
• 8:19
  able
• 8:19
  to
• 8:19
  put
• 8:19
  away
• 8:20
  for
• 8:20
  retirement.
• 8:21
  Those
• 8:21
  are
• 8:21
  all
• 8:21
  things
• 8:22
  that
• 8:22
  you're
• 8:22
  seeing
• 8:23
  out
• 8:23
  of
• 8:23
  fear.
• 8:23
  That
• 8:23
  self
• 8:24
  talk
• 8:24
  is
• 8:24
  holding
• 8:25
  you
• 8:25
  back.
• 8:26
  But
• 8:27
  truth
• 8:27
  says
• 8:27
  something
• 8:28
  else.
• 8:29
  Truth
• 8:30
  says,
• 8:30
  you
• 8:30
  know
• 8:30
  what?
• 8:31
  I
• 8:31
  am
• 8:31
  building
• 8:32
  something.
• 8:33
  Truth
• 8:34
  says,
• 8:34
  God
• 8:34
  is
• 8:34
  with
• 8:34
  me
• 8:35
  even
• 8:35
  in
• 8:35
  the
• 8:36
  depths
• 8:36
  of
• 8:36
  that
• 8:37
  despair.
• 8:39
  And
• 8:39
  truth
• 8:39
  says,
• 8:39
  you
• 8:40
  are
• 8:40
  learning
• 8:42
  because
• 8:42
  what
• 8:42
  I
• 8:43
  have
• 8:43
  found
• 8:44
  is
• 8:45
  what
• 8:45
  you
• 8:45
  repeat
• 8:47
  becomes
• 8:47
  your
• 8:47
  direction.
• 8:50
  Here's
• 8:50
  my
• 8:50
  encouragement
• 8:51
  for
• 8:51
  you
• 8:51
  right
• 8:51
  now.
• 8:53
  It's
• 8:53
  okay
• 8:53
  to
• 8:53
  slow
• 8:54
  down.
• 8:56
  It's
• 8:56
  okay
• 8:56
  to
• 8:56
  take
• 8:57
  your
• 8:57
  time
• 8:57
  at
• 8:57
  this.
• 8:59
  It's
• 8:59
  okay
• 8:59
  to
• 9:00
  battle
• 9:00
  against
• 9:01
  that
• 9:01
  fear.
• 9:03
  So
• 9:03
  here's
• 9:03
  the
• 9:04
  one
• 9:04
  win
• 9:04
  for
• 9:04
  today.
• 9:05
  One
• 9:05
  thing
• 9:05
  I
• 9:05
  want
• 9:05
  you
• 9:05
  to
• 9:05
  do
• 9:06
  today,
• 9:07
  if
• 9:07
  you
• 9:07
  do
• 9:07
  nothing
• 9:08
  else,
• 9:09
  write
• 9:09
  down
• 9:09
  three
• 9:09
  money
• 9:10
  values.
• 9:12
  Put
• 9:12
  them
• 9:12
  in
• 9:12
  your
• 9:12
  wallet,
• 9:13
  put
• 9:13
  them
• 9:13
  on
• 9:13
  your
• 9:14
  notes
• 9:14
  app,
• 9:14
  maybe
• 9:14
  put
• 9:15
  them
• 9:15
  on
• 9:15
  your
• 9:15
  desk.
• 9:16
  And
• 9:17
  then
• 9:17
  every
• 9:17
  time,
• 9:17
  here's
• 9:18
  a
• 9:18
  great
• 9:18
  idea.
• 9:18
  Put
• 9:18
  them
• 9:19
  around
• 9:19
  your
• 9:19
  credit
• 9:20
  card.
• 9:20
  Take
• 9:20
  a
• 9:20
  sticky
• 9:20
  note
• 9:21
  and
• 9:21
  put
• 9:21
  your
• 9:22
  values
• 9:22
  around
• 9:22
  your
• 9:23
  credit
• 9:23
  card.
• 9:24
  And
• 9:24
  before
• 9:25
  you
• 9:25
  swipe
• 9:25
  anything,
• 9:26
  before
• 9:26
  you
• 9:26
  buy
• 9:27
  a
• 9:27
  thing,
• 9:27
  read
• 9:28
  those
• 9:28
  out
• 9:29
  loud
• 9:31
  and
• 9:31
  let
• 9:31
  those
• 9:31
  values
• 9:32
  speak
• 9:32
  louder
• 9:32
  than
• 9:33
  to
• 9:33
  panic.
• 9:35
  Well,
• 9:35
  let's
• 9:35
  get
• 9:35
  right
• 9:35
  to
• 9:35
  our
• 9:36
  Bible
• 9:36
  verse
• 9:36
  today.
• 9:36
  It
• 9:37
  comes
• 9:37
  to
• 9:37
  us
• 9:37
  from
• 9:37
  the
• 9:37
  book
• 9:38
  of
• 9:38
  Isaiah,
• 9:38
  chapter
• 9:39
  41,
• 9:40
  verse
• 9:40
  10.
• 9:42
  So
• 9:42
  do
• 9:42
  not
• 9:43
  fear,
• 9:44
  for
• 9:44
  I
• 9:45
  am
• 9:45
  with
• 9:45
  you.
• 9:46
  Do
• 9:46
  not
• 9:47
  be
• 9:47
  dismayed,
• 9:47
  for
• 9:48
  I
• 9:48
  am
• 9:48
  your
• 9:48
  God.
• 9:50
  I
• 9:50
  will
• 9:50
  strengthen
• 9:51
  you
• 9:51
  and
• 9:51
  help
• 9:51
  you.
• 9:52
  I
• 9:53
  will
• 9:53
  uphold
• 9:53
  you
• 9:54
  with
• 9:54
  my
• 9:54
  righteous
• 9:55
  right
• 9:55
  hand.
• 9:57
  Friend,
• 9:58
  I
• 9:58
  don't
• 9:58
  know
• 9:58
  how
• 9:58
  much
• 9:58
  more
• 9:59
  assuring
• 9:59
  God
• 9:59
  can
• 9:59
  be
• 10:00
  than
• 10:00
  in
• 10:00
  that.
• 10:00
  I
• 10:00
  will
• 10:01
  strengthen
• 10:01
  you
• 10:01
  and
• 10:01
  help
• 10:01
  you.
• 10:02
  I
• 10:02
  will
• 10:02
  uphold
• 10:02
  you
• 10:03
  with
• 10:03
  my
• 10:03
  righteous
• 10:03
  right
• 10:04
  hand.
• 10:05
  Lean
• 10:05
  into
• 10:06
  that
• 10:06
  today.
• 10:07
  Because
• 10:08
  fear
• 10:08
  shrinks
• 10:09
  when
• 10:09
  we
• 10:09
  remember
• 10:09
  we
• 10:10
  are
• 10:10
  upheld
• 10:11
  and
• 10:12
  we're
• 10:12
  not
• 10:12
  alone.
• 10:13
  How
• 10:13
  about
• 10:14
  we
• 10:14
  pray
• 10:14
  together?
• 10:16
  Father
• 10:16
  God,
• 10:17
  you
• 10:18
  see
• 10:18
  the
• 10:18
  anxiety
• 10:19
  that
• 10:19
  rises
• 10:19
  in
• 10:19
  these
• 10:20
  quiet
• 10:20
  moments.
• 10:22
  You
• 10:22
  see
• 10:22
  the
• 10:22
  fear
• 10:23
  behind
• 10:23
  the
• 10:23
  spending.
• 10:25
  So
• 10:25
  right
• 10:25
  now
• 10:26
  remind
• 10:26
  my
• 10:26
  friend
• 10:26
  today
• 10:27
  that
• 10:27
  you
• 10:27
  are
• 10:27
  near
• 10:28
  to
• 10:28
  them.
• 10:29
  Come
• 10:30
  calm
• 10:30
  their
• 10:30
  nervous
• 10:31
  system,
• 10:31
  Lord.
• 10:32
  Strengthen
• 10:33
  their
• 10:33
  result.
• 10:34
  Help
• 10:35
  them
• 10:35
  choose
• 10:35
  intention
• 10:36
  over
• 10:36
  impulse.
• 10:38
  Teach
• 10:39
  them
• 10:39
  to
• 10:39
  build
• 10:39
  margin
• 10:40
  without
• 10:40
  panic,
• 10:42
  to
• 10:42
  prepare
• 10:42
  without
• 10:43
  obsession
• 10:44
  and
• 10:44
  to
• 10:45
  trust
• 10:45
  without
• 10:45
  avoidance.
• 10:47
  Place
• 10:47
  fear
• 10:48
  with
• 10:48
  steady
• 10:49
  faith.
• 10:50
  And
• 10:50
  we
• 10:50
  ask
• 10:50
  this
• 10:51
  in
• 10:51
  Jesus
• 10:51
  name.
• 10:53
  Amen,
• 10:56
  friend.
• 10:56
  Panic
• 10:56
  may
• 10:56
  shout,
• 10:58
  but
• 10:58
  peace
• 10:59
  can
• 10:59
  lead
• 10:59
  you
• 10:59
  home.
• 11:01
  And
• 11:01
  if
• 11:02
  you've
• 11:02
  got
• 11:02
  a
• 11:02
  money
• 11:02
  question
• 11:03
  you
• 11:03
  want
• 11:03
  us
• 11:03
  to
• 11:03
  talk
• 11:04
  about,
• 11:04
  or
• 11:04
  maybe
• 11:04
  you
• 11:04
  want
• 11:04
  to
• 11:05
  share
• 11:05
  a
• 11:05
  story
• 11:06
  of
• 11:06
  what
• 11:06
  you've
• 11:06
  overcome,
• 11:07
  or
• 11:07
  maybe
• 11:07
  some
• 11:08
  struggle
• 11:08
  you
• 11:08
  have,
• 11:08
  I
• 11:09
  would
• 11:09
  love
• 11:09
  to
• 11:09
  hear
• 11:09
  from
• 11:09
  you.
• 11:10
  You
• 11:10
  can
• 11:10
  leave
• 11:11
  us
• 11:11
  a
• 11:11
  voicemail
• 11:12
  by
• 11:12
  going
• 11:12
  to
• 11:12
  financiallyconfidentchristian.com/voicemail.
• 11:17
  It
• 11:17
  is
• 11:17
  really
• 11:18
  simple.
• 11:18
  You
• 11:18
  go
• 11:18
  to
• 11:18
  that
• 11:19
  website,
• 11:19
  just
• 11:20
  click
• 11:20
  the
• 11:20
  button,
• 11:21
  it'll
• 11:21
  record
• 11:21
  your
• 11:22
  voice.
• 11:23
  We
• 11:23
  may
• 11:23
  even
• 11:23
  feature
• 11:24
  it
• 11:24
  on
• 11:24
  the
• 11:24
  show.
• 11:24
  We'll
• 11:24
  put
• 11:24
  it
• 11:25
  in
• 11:25
  the
• 11:25
  show
• 11:25
  notes.
• 11:25
  But
• 11:25
  again,
• 11:26
  that's
• 11:26
  financiallyconfidentchristian.Com/Voicemail.
• 11:30
  I
• 11:30
  would
• 11:31
  love
• 11:31
  to
• 11:31
  hear
• 11:31
  from
• 11:31
  you.
• 11:32
  Well,
• 11:32
  thank
• 11:33
  you
• 11:33
  so
• 11:33
  much
• 11:33
  for
• 11:33
  joining
• 11:34
  me
• 11:34
  today.
• 11:34
  As
• 11:34
  I
• 11:35
  always
• 11:35
  say,
• 11:35
  stay
• 11:36
  financially
• 11:36
  savvy.
• 11:37
  May
• 11:37
  God
• 11:38
  bless
• 11:38
  you
• 11:39
  and
• 11:39
  you
• 11:40
  have
• 11:40
  a
• 11:40
  great
• 11:40
  day
• 11:40
  today.