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Trying to Grow Alone? Who’s Guiding You This Year? · Becoming Financially Confident

• 0:37
  You
• 0:37
  trying
• 0:37
  to
• 0:38
  grow
• 0:38
  alone.
• 0:38
  That's
• 0:39
  how
• 0:39
  drifting
• 0:39
  starts.
• 0:40
  And
• 0:41
  it's
• 0:41
  not
• 0:41
  because
• 0:41
  you're
• 0:41
  weak,
• 0:42
  but
• 0:42
  because
• 0:42
  nobody
• 0:43
  starts
• 0:43
  strong
• 0:43
  in
• 0:44
  isolation.
• 0:45
  Lone
• 0:45
  wolves
• 0:46
  stumble
• 0:47
  not
• 0:47
  from
• 0:47
  failure,
• 0:48
  but
• 0:48
  from
• 0:48
  carrying
• 0:48
  what
• 0:48
  was
• 0:49
  never
• 0:49
  meant
• 0:49
  to
• 0:49
  be
• 0:49
  carried
• 0:50
  alone.
• 0:50
  But
• 0:51
  one
• 0:51
  mentor,
• 0:52
  one
• 0:52
  voice,
• 0:52
  one
• 0:53
  person
• 0:53
  who
• 0:53
  sees
• 0:53
  what
• 0:54
  you
• 0:54
  can't.
• 0:54
  Hey,
• 0:55
  that
• 0:55
  can
• 0:55
  change
• 0:55
  everything.
• 0:56
  Let's
• 0:56
  talk
• 0:56
  about
• 0:57
  building
• 0:57
  support
• 0:57
  that
• 0:57
  lifts
• 0:58
  you
• 0:58
  up
• 0:58
  instead
• 0:59
  of
• 0:59
  wearing
• 0:59
  you
• 0:59
  down.
• 0:59
  That's
• 1:00
  what
• 1:00
  I'm
• 1:00
  gonna
• 1:00
  cover.
• 1:00
  On
• 1:00
  today's
• 1:02
  Confident
• 1:03
  living
• 1:04
  with
• 1:04
  purp.
• 1:22
  Welcome
• 1:22
  to
• 1:22
  the
• 1:23
  show.
• 1:23
  Thank
• 1:23
  you
• 1:23
  so
• 1:23
  much
• 1:24
  for
• 1:24
  joining
• 1:24
  me.
• 1:24
  I'm
• 1:24
  Ralph.
• 1:25
  My
• 1:25
  goal
• 1:25
  here
• 1:26
  every
• 1:26
  day
• 1:26
  is
• 1:26
  to
• 1:26
  help
• 1:27
  you
• 1:27
  break
• 1:27
  that
• 1:27
  cycle
• 1:28
  of
• 1:28
  financial
• 1:28
  shame
• 1:29
  and
• 1:29
  do
• 1:29
  it
• 1:29
  with
• 1:30
  confidence.
• 1:31
  And
• 1:31
  a
• 1:31
  listener
• 1:31
  recently
• 1:32
  said,
• 1:32
  ralph,
• 1:32
  I
• 1:33
  want
• 1:33
  to
• 1:33
  grow.
• 1:34
  I
• 1:34
  want
• 1:34
  better
• 1:35
  habits.
• 1:35
  I
• 1:35
  want
• 1:35
  better
• 1:36
  stewardship.
• 1:36
  I
• 1:36
  want
• 1:36
  better
• 1:37
  consistency.
• 1:38
  But
• 1:38
  when
• 1:38
  I'm
• 1:39
  on
• 1:39
  my
• 1:39
  own,
• 1:39
  I
• 1:40
  drift.
• 1:41
  Ralph,
• 1:42
  how
• 1:42
  do
• 1:42
  I
• 1:42
  get
• 1:42
  accountability
• 1:43
  without
• 1:43
  feeling
• 1:43
  embarrassed
• 1:44
  or
• 1:44
  judged?
• 1:45
  Man,
• 1:46
  those
• 1:46
  two
• 1:46
  things
• 1:46
  are
• 1:47
  just
• 1:47
  there.
• 1:47
  They
• 1:47
  just
• 1:47
  destroy
• 1:48
  us.
• 1:49
  Embarrassment
• 1:50
  and
• 1:50
  judgment.
• 1:51
  And
• 1:51
  if
• 1:52
  you're
• 1:52
  feeling
• 1:52
  that,
• 1:52
  maybe
• 1:52
  you
• 1:53
  felt
• 1:53
  that
• 1:53
  before,
• 1:53
  you're
• 1:53
  not
• 1:54
  alone.
• 1:54
  Guess
• 1:54
  what?
• 1:54
  You're
• 1:55
  human.
• 1:56
  And
• 1:56
  study
• 1:57
  after
• 1:57
  study
• 1:57
  shows
• 1:58
  this.
• 1:58
  Written
• 1:58
  goals
• 1:59
  and
• 1:59
  accountability
• 2:00
  check
• 2:00
  ins
• 2:01
  make
• 2:01
  dramatically
• 2:02
  higher
• 2:02
  success
• 2:03
  rates.
• 2:04
  But
• 2:05
  even
• 2:05
  bigger
• 2:05
  than
• 2:05
  that,
• 2:05
  Scripture
• 2:06
  says
• 2:06
  it
• 2:06
  plainly.
• 2:07
  Look
• 2:07
  at
• 2:07
  Proverbs
• 2:08
  27:17.
• 2:10
  As
• 2:10
  iron
• 2:11
  sharpens
• 2:11
  iron,
• 2:12
  so
• 2:12
  one
• 2:12
  person
• 2:13
  sharpens
• 2:13
  another.
• 2:15
  What
• 2:15
  is
• 2:15
  that
• 2:15
  telling
• 2:16
  us?
• 2:17
  Iron
• 2:17
  doesn't
• 2:17
  sharpen
• 2:18
  itself.
• 2:19
  And
• 2:20
  guess
• 2:20
  what?
• 2:21
  Neither
• 2:21
  do
• 2:22
  we.
• 2:23
  And
• 2:23
  over
• 2:23
  the
• 2:23
  years,
• 2:24
  I've
• 2:24
  watched
• 2:24
  mentorship
• 2:25
  collapse
• 2:26
  years
• 2:26
  of
• 2:26
  trial
• 2:27
  and
• 2:27
  error
• 2:27
  into
• 2:27
  months.
• 2:28
  I've
• 2:28
  seen
• 2:28
  people
• 2:28
  who
• 2:29
  are
• 2:29
  trying
• 2:29
  to
• 2:29
  do
• 2:29
  it
• 2:29
  on
• 2:29
  their
• 2:30
  own,
• 2:30
  they
• 2:30
  found
• 2:30
  a
• 2:30
  mentor
• 2:30
  and
• 2:31
  man,
• 2:31
  they
• 2:31
  just
• 2:31
  broke
• 2:32
  through
• 2:32
  that
• 2:32
  cycle
• 2:33
  right
• 2:33
  away.
• 2:34
  I've
• 2:34
  seen
• 2:34
  how
• 2:35
  gentle
• 2:35
  accountability
• 2:36
  freed
• 2:36
  people
• 2:37
  from
• 2:37
  years
• 2:37
  of
• 2:38
  cycles
• 2:38
  of
• 2:38
  shame.
• 2:40
  And
• 2:40
  I've
• 2:40
  also
• 2:41
  seen
• 2:41
  that
• 2:41
  one
• 2:41
  supportive
• 2:42
  relationship
• 2:42
  can
• 2:43
  unlock
• 2:43
  confidence
• 2:44
  people
• 2:44
  didn't
• 2:44
  even
• 2:44
  know
• 2:45
  they
• 2:45
  had.
• 2:45
  I've
• 2:45
  seen
• 2:45
  it
• 2:45
  change
• 2:46
  people's
• 2:46
  lives.
• 2:48
  Here's
• 2:49
  a
• 2:49
  truism.
• 2:50
  People
• 2:50
  don't
• 2:50
  grow
• 2:50
  because
• 2:51
  someone's
• 2:51
  pressured
• 2:52
  them.
• 2:53
  They
• 2:53
  grow
• 2:54
  because
• 2:54
  someone
• 2:54
  believed
• 2:55
  in
• 2:55
  them.
• 2:56
  And
• 2:56
  I
• 2:56
  believe
• 2:56
  in
• 2:57
  you.
• 2:58
  One
• 2:59
  listener
• 2:59
  asked
• 2:59
  a
• 3:00
  seasoned
• 3:00
  couple
• 3:00
  to
• 3:01
  mentor
• 3:01
  them.
• 3:02
  What
• 3:03
  did
• 3:03
  that
• 3:03
  look
• 3:03
  like
• 3:03
  for
• 3:03
  them?
• 3:04
  They
• 3:04
  met
• 3:04
  for
• 3:04
  monthly
• 3:04
  coffees.
• 3:05
  They
• 3:06
  had
• 3:06
  honest
• 3:06
  budget
• 3:07
  reviews.
• 3:07
  They
• 3:07
  did
• 3:07
  some
• 3:08
  simple
• 3:08
  and
• 3:08
  doable
• 3:09
  homework.
• 3:11
  Let
• 3:11
  me
• 3:11
  tell
• 3:11
  you
• 3:11
  about
• 3:12
  what
• 3:12
  happened
• 3:12
  one
• 3:12
  year
• 3:12
  later.
• 3:14
  They
• 3:14
  were
• 3:14
  debt
• 3:15
  free.
• 3:15
  I'm
• 3:15
  talking
• 3:15
  about
• 3:16
  completely
• 3:16
  debt
• 3:16
  free.
• 3:17
  Bigger
• 3:18
  than
• 3:18
  that,
• 3:18
  they
• 3:18
  were
• 3:18
  more
• 3:18
  confident.
• 3:19
  They
• 3:20
  were
• 3:20
  more
• 3:20
  connected
• 3:21
  as
• 3:21
  a
• 3:21
  couple.
• 3:21
  And
• 3:21
  guess
• 3:22
  what?
• 3:22
  What?
• 3:22
  That
• 3:22
  led
• 3:22
  to
• 3:23
  more
• 3:24
  joyfulness.
• 3:26
  What
• 3:26
  was
• 3:26
  their
• 3:26
  breakthrough?
• 3:28
  It
• 3:28
  was
• 3:28
  accountability.
• 3:29
  The
• 3:30
  accountability
• 3:30
  didn't
• 3:30
  shame
• 3:31
  them,
• 3:31
  it
• 3:32
  strengthened
• 3:32
  them.
• 3:34
  So
• 3:34
  here's
• 3:34
  the
• 3:34
  deeper
• 3:35
  question,
• 3:36
  and
• 3:36
  I'm
• 3:37
  getting
• 3:37
  right
• 3:37
  to
• 3:37
  the
• 3:37
  listener
• 3:38
  question
• 3:38
  today.
• 3:38
  Thank
• 3:38
  you
• 3:38
  so
• 3:38
  much
• 3:39
  for
• 3:39
  sending
• 3:39
  that.
• 3:39
  How
• 3:40
  do
• 3:40
  you
• 3:40
  stop
• 3:40
  drifting
• 3:41
  and
• 3:41
  start
• 3:41
  walking
• 3:41
  with
• 3:42
  people
• 3:42
  who
• 3:42
  sharpen
• 3:42
  you,
• 3:43
  challenge
• 3:43
  you,
• 3:44
  and
• 3:44
  help
• 3:44
  you
• 3:44
  stay
• 3:45
  consistent?
• 3:46
  I'm
• 3:47
  gonna
• 3:47
  break
• 3:47
  it
• 3:47
  down
• 3:47
  for
• 3:47
  you
• 3:47
  right
• 3:48
  now.
• 3:49
  Here's
• 3:49
  how
• 3:49
  you
• 3:50
  sharpen
• 3:50
  relationships.
• 3:51
  Number
• 3:51
  one.
• 3:51
  It
• 3:52
  starts
• 3:52
  with
• 3:52
  finding
• 3:52
  a
• 3:53
  mentor.
• 3:53
  You
• 3:53
  need
• 3:53
  to
• 3:53
  find
• 3:54
  somebody
• 3:54
  with
• 3:54
  wisdom
• 3:55
  and
• 3:55
  experience.
• 3:55
  Because
• 3:56
  here's
• 3:56
  the
• 3:56
  truth.
• 3:56
  A
• 3:57
  mentor
• 3:57
  helps
• 3:57
  you
• 3:57
  skip
• 3:58
  mistakes
• 3:58
  they
• 3:58
  already
• 3:58
  paid
• 3:59
  for.
• 4:00
  My
• 4:00
  dad
• 4:01
  always
• 4:01
  said
• 4:01
  this.
• 4:01
  Learn
• 4:02
  from
• 4:02
  other
• 4:02
  people's
• 4:03
  mistakes.
• 4:04
  A
• 4:04
  mentor
• 4:05
  can
• 4:05
  help
• 4:05
  you
• 4:05
  skip
• 4:05
  those
• 4:06
  things.
• 4:07
  They
• 4:08
  can
• 4:08
  remove
• 4:08
  those
• 4:08
  scars
• 4:09
  before
• 4:09
  they
• 4:09
  become
• 4:10
  your
• 4:10
  scars.
• 4:12
  Their
• 4:12
  scars
• 4:13
  become
• 4:13
  your
• 4:13
  shortcuts.
• 4:14
  You
• 4:14
  learn
• 4:14
  from
• 4:14
  what
• 4:15
  they
• 4:15
  went
• 4:15
  through.
• 4:15
  Their
• 4:15
  perspective
• 4:16
  helps
• 4:16
  you
• 4:17
  see
• 4:17
  around
• 4:17
  the
• 4:17
  corners.
• 4:18
  It's
• 4:18
  not
• 4:18
  easy
• 4:18
  to
• 4:18
  see
• 4:18
  around
• 4:19
  corners,
• 4:19
  right?
• 4:20
  Naturally,
• 4:20
  we
• 4:20
  can't
• 4:21
  see
• 4:21
  around
• 4:21
  corners.
• 4:21
  But
• 4:21
  a
• 4:22
  mentor,
• 4:22
  they've
• 4:23
  been
• 4:23
  around
• 4:23
  that
• 4:23
  corner
• 4:24
  before.
• 4:25
  And
• 4:25
  that
• 4:26
  wisdom
• 4:26
  that
• 4:26
  they
• 4:26
  have,
• 4:26
  it
• 4:27
  saves
• 4:27
  you
• 4:27
  time,
• 4:28
  it
• 4:28
  saves
• 4:28
  you
• 4:29
  money,
• 4:29
  and
• 4:30
  listen,
• 4:30
  it
• 4:31
  saves
• 4:31
  you
• 4:31
  heartache.
• 4:32
  But
• 4:33
  here's
• 4:33
  one
• 4:33
  thing
• 4:33
  I'm
• 4:33
  going
• 4:33
  to
• 4:33
  tell
• 4:33
  you.
• 4:34
  If
• 4:34
  you're
• 4:34
  looking
• 4:34
  for
• 4:34
  a
• 4:35
  mentor
• 4:35
  or
• 4:35
  let
• 4:35
  me
• 4:35
  see
• 4:35
  this
• 4:36
  better,
• 4:36
  if
• 4:36
  you
• 4:37
  want
• 4:37
  to
• 4:37
  be
• 4:37
  a
• 4:37
  mentor,
• 4:38
  a
• 4:38
  good
• 4:39
  men
• 4:39
  are
• 4:39
  listens
• 4:39
  more
• 4:40
  than
• 4:40
  they
• 4:40
  talk.
• 4:42
  And
• 4:42
  this
• 4:42
  isn't
• 4:42
  about
• 4:43
  being
• 4:43
  worthy
• 4:43
  of
• 4:43
  a
• 4:43
  mentor.
• 4:44
  A
• 4:44
  lot
• 4:44
  of
• 4:44
  people
• 4:44
  say,
• 4:44
  well,
• 4:44
  Ralph,
• 4:45
  I'm
• 4:45
  just
• 4:45
  starting
• 4:45
  out.
• 4:45
  I
• 4:46
  don't
• 4:46
  need
• 4:46
  to
• 4:46
  win.
• 4:46
  No,
• 4:46
  listen,
• 4:47
  it's
• 4:47
  not
• 4:47
  about
• 4:47
  being
• 4:48
  worthy
• 4:48
  of
• 4:48
  having
• 4:49
  a
• 4:49
  mentor.
• 4:50
  It's
• 4:50
  about
• 4:50
  willing
• 4:51
  to
• 4:51
  accept
• 4:51
  the
• 4:52
  growth
• 4:52
  that
• 4:52
  comes
• 4:52
  from
• 4:52
  a
• 4:53
  mentor.
• 4:53
  So
• 4:53
  you
• 4:53
  might
• 4:53
  say,
• 4:53
  ralph,
• 4:54
  that's
• 4:54
  a
• 4:54
  great
• 4:54
  idea.
• 4:54
  I
• 4:55
  want
• 4:55
  to
• 4:55
  have
• 4:55
  a
• 4:55
  mentor.
• 4:55
  Well,
• 4:56
  guess
• 4:56
  what?
• 4:56
  Be
• 4:56
  prepared
• 4:57
  because
• 4:57
  you're
• 4:58
  going
• 4:58
  to
• 4:58
  be
• 4:58
  pushed,
• 4:59
  you're
• 4:59
  going
• 5:00
  to
• 5:00
  be
• 5:00
  gently
• 5:00
  nudged.
• 5:01
  You
• 5:01
  listen
• 5:01
  to
• 5:01
  my
• 5:02
  show.
• 5:02
  I
• 5:02
  hope
• 5:02
  I'm
• 5:02
  gently
• 5:03
  nudging
• 5:03
  you.
• 5:03
  I
• 5:03
  do
• 5:04
  it
• 5:04
  out
• 5:04
  of
• 5:04
  love,
• 5:05
  but
• 5:05
  that's
• 5:06
  what
• 5:06
  you
• 5:06
  should
• 5:06
  feel.
• 5:06
  Second
• 5:07
  thing,
• 5:08
  choose
• 5:08
  an
• 5:08
  accountability
• 5:09
  partner.
• 5:10
  You're
• 5:10
  looking
• 5:11
  for
• 5:11
  somebody
• 5:11
  who's
• 5:11
  honest
• 5:12
  and
• 5:12
  encouraging
• 5:13
  because
• 5:13
  this
• 5:13
  needs
• 5:14
  to
• 5:14
  be
• 5:14
  your
• 5:14
  growth
• 5:14
  companion.
• 5:16
  Don't
• 5:16
  find
• 5:17
  somebody
• 5:17
  that
• 5:17
  is
• 5:17
  going
• 5:17
  to
• 5:18
  be
• 5:18
  judgmental.
• 5:18
  It's
• 5:18
  not
• 5:19
  going
• 5:19
  to
• 5:19
  work.
• 5:19
  But
• 5:20
  you
• 5:20
  also
• 5:20
  need
• 5:20
  somebody
• 5:20
  that's
• 5:21
  on.
• 5:21
  A
• 5:21
  lot
• 5:21
  of
• 5:21
  people
• 5:21
  will
• 5:21
  be
• 5:22
  them.
• 5:22
  Yes.
• 5:22
  People
• 5:22
  tell
• 5:22
  you,
• 5:23
  oh,
• 5:23
  yes,
• 5:23
  you're
• 5:23
  doing
• 5:23
  a
• 5:24
  great
• 5:24
  job.
• 5:24
  You're
• 5:24
  doing
• 5:25
  fantastic.
• 5:25
  That's
• 5:26
  not
• 5:26
  the
• 5:26
  right
• 5:26
  person
• 5:26
  for
• 5:27
  you.
• 5:29
  A
• 5:29
  good
• 5:30
  growth
• 5:30
  companion
• 5:31
  asks
• 5:31
  the
• 5:31
  questions
• 5:32
  that
• 5:32
  you
• 5:32
  avoid.
• 5:33
  They
• 5:33
  ask
• 5:33
  the
• 5:33
  questions
• 5:33
  you
• 5:33
  don't
• 5:34
  want
• 5:34
  to
• 5:34
  talk
• 5:34
  about,
• 5:34
  to
• 5:34
  be
• 5:35
  blunt.
• 5:36
  But
• 5:37
  they
• 5:37
  can
• 5:37
  help
• 5:37
  show.
• 5:38
  They
• 5:38
  can
• 5:38
  help
• 5:38
  you
• 5:38
  show
• 5:39
  up
• 5:39
  when
• 5:39
  motivation
• 5:39
  fades
• 5:40
  and
• 5:40
  motivation
• 5:40
  fades.
• 5:41
  They
• 5:41
  offer
• 5:41
  encouragement
• 5:42
  instead
• 5:42
  of
• 5:43
  shame.
• 5:44
  And
• 5:44
  they
• 5:44
  remind
• 5:45
  you
• 5:45
  of
• 5:45
  this
• 5:45
  big
• 5:45
  picture.
• 5:46
  They
• 5:46
  remind
• 5:47
  you
• 5:47
  who
• 5:47
  you're
• 5:47
  becoming,
• 5:47
  not
• 5:48
  who
• 5:48
  you
• 5:48
  are
• 5:48
  right
• 5:49
  now.
• 5:50
  We
• 5:50
  all
• 5:50
  start
• 5:51
  from
• 5:51
  someplace,
• 5:53
  but
• 5:53
  we
• 5:53
  need
• 5:54
  that
• 5:54
  person,
• 5:54
  that
• 5:55
  accountability
• 5:55
  person
• 5:56
  to
• 5:56
  remind
• 5:56
  us
• 5:57
  sometimes
• 5:57
  at
• 5:57
  who
• 5:58
  we're
• 5:58
  becoming.
• 6:00
  And
• 6:00
  that
• 6:00
  honesty
• 6:01
  creates
• 6:01
  transformation.
• 6:03
  And
• 6:03
  that
• 6:03
  encouragement
• 6:04
  keeps
• 6:04
  you
• 6:04
  going.
• 6:05
  Once
• 6:06
  you
• 6:06
  find
• 6:06
  that
• 6:07
  person,
• 6:08
  I'm
• 6:08
  going
• 6:08
  to
• 6:08
  encourage
• 6:09
  you,
• 6:09
  set
• 6:09
  a
• 6:09
  standing
• 6:10
  check
• 6:10
  in
• 6:11
  schedule.
• 6:13
  That
• 6:13
  consistency
• 6:14
  will
• 6:14
  help
• 6:14
  you
• 6:14
  avoid
• 6:15
  that
• 6:15
  drift.
• 6:17
  And
• 6:17
  growth
• 6:17
  happens
• 6:18
  when
• 6:18
  meetings
• 6:18
  are
• 6:18
  scheduled,
• 6:19
  not
• 6:19
  when
• 6:19
  motivation
• 6:20
  strikes.
• 6:20
  So
• 6:20
  many
• 6:20
  people
• 6:21
  say,
• 6:21
  well,
• 6:21
  Ralph,
• 6:21
  I've
• 6:22
  got
• 6:22
  this
• 6:22
  great
• 6:22
  friend,
• 6:22
  I've
• 6:22
  got
• 6:23
  this
• 6:23
  accountability
• 6:23
  partner.
• 6:24
  And
• 6:24
  when
• 6:24
  I
• 6:24
  get
• 6:24
  into
• 6:24
  a
• 6:24
  rut,
• 6:25
  that's
• 6:25
  when
• 6:25
  I
• 6:25
  go
• 6:25
  to
• 6:26
  meet
• 6:26
  with
• 6:26
  them.
• 6:26
  That's
• 6:27
  a
• 6:27
  bad
• 6:27
  plan.
• 6:28
  You
• 6:29
  shouldn't
• 6:29
  get
• 6:29
  into
• 6:29
  the
• 6:29
  rut
• 6:30
  in
• 6:30
  the
• 6:30
  first
• 6:30
  place.
• 6:32
  Choose
• 6:32
  a
• 6:32
  rhythm,
• 6:32
  whether
• 6:33
  that
• 6:33
  be
• 6:33
  weekly,
• 6:33
  bi
• 6:34
  weekly,
• 6:34
  monthly,
• 6:34
  whatever
• 6:35
  works
• 6:35
  for
• 6:35
  you.
• 6:35
  Rhythm
• 6:36
  matters
• 6:36
  more
• 6:36
  than
• 6:37
  frequency.
• 6:38
  See,
• 6:38
  you
• 6:38
  can
• 6:38
  say,
• 6:38
  ralph,
• 6:39
  I
• 6:39
  talk
• 6:39
  to
• 6:39
  this
• 6:39
  person
• 6:39
  once
• 6:40
  a
• 6:40
  month.
• 6:40
  Hey,
• 6:40
  listen,
• 6:40
  I've
• 6:41
  got
• 6:41
  some
• 6:41
  friends
• 6:41
  and
• 6:42
  mentors
• 6:42
  who
• 6:42
  I
• 6:43
  talk
• 6:43
  to
• 6:43
  twice
• 6:43
  a
• 6:43
  year.
• 6:44
  They're
• 6:45
  still
• 6:45
  valuable
• 6:45
  to
• 6:45
  me.
• 6:47
  And
• 6:47
  when
• 6:48
  you
• 6:48
  do
• 6:48
  that,
• 6:48
  make
• 6:49
  sure
• 6:49
  you're
• 6:49
  reviewing
• 6:49
  the
• 6:49
  same
• 6:50
  items
• 6:50
  each
• 6:50
  time
• 6:51
  for
• 6:51
  clarity.
• 6:53
  And
• 6:53
  here's
• 6:53
  something
• 6:53
  I
• 6:53
  will
• 6:54
  tell
• 6:54
  you.
• 6:54
  The
• 6:54
  moment
• 6:54
  something
• 6:54
  gets
• 6:55
  on
• 6:55
  the
• 6:55
  calendar,
• 6:56
  that
• 6:56
  drifting
• 6:57
  begins
• 6:57
  to
• 6:57
  disappear.
• 6:57
  You
• 6:58
  make
• 6:58
  a
• 6:58
  point
• 6:58
  of
• 6:58
  it.
• 7:00
  And
• 7:00
  last
• 7:01
  but
• 7:01
  not
• 7:01
  least,
• 7:01
  keep
• 7:02
  it
• 7:02
  simple
• 7:02
  and
• 7:03
  specific.
• 7:04
  It's
• 7:04
  real
• 7:04
  easy
• 7:04
  to
• 7:04
  overload
• 7:05
  these
• 7:05
  meetings.
• 7:05
  Well,
• 7:05
  I'm
• 7:06
  going
• 7:06
  to
• 7:06
  have
• 7:06
  this
• 7:06
  meeting
• 7:06
  with
• 7:06
  my
• 7:06
  mentor.
• 7:07
  I'm
• 7:07
  going
• 7:07
  to
• 7:07
  talk
• 7:07
  about
• 7:07
  this
• 7:07
  and
• 7:08
  this
• 7:08
  and
• 7:08
  this
• 7:08
  and
• 7:08
  this.
• 7:08
  And
• 7:09
  you
• 7:09
  got
• 7:09
  a
• 7:09
  laundry
• 7:09
  list.
• 7:09
  It
• 7:10
  looks
• 7:10
  like
• 7:10
  Santa's
• 7:11
  list
• 7:11
  for
• 7:11
  Christmas.
• 7:13
  Don't
• 7:13
  do
• 7:13
  that.
• 7:14
  Focus
• 7:14
  on
• 7:15
  one
• 7:15
  metric,
• 7:16
  one
• 7:16
  measurement
• 7:17
  thing,
• 7:17
  one
• 7:17
  habit,
• 7:18
  and
• 7:18
  then
• 7:18
  one
• 7:19
  next
• 7:19
  step.
• 7:19
  Because
• 7:19
  what
• 7:20
  you
• 7:20
  want
• 7:20
  to
• 7:20
  build
• 7:20
  small,
• 7:21
  steady
• 7:21
  wins
• 7:22
  because
• 7:22
  those
• 7:22
  things
• 7:22
  are
• 7:23
  going
• 7:23
  to
• 7:23
  compound
• 7:23
  faster
• 7:24
  than
• 7:24
  giant
• 7:24
  planes.
• 7:25
  Giant
• 7:25
  planes,
• 7:25
  they're
• 7:26
  great
• 7:26
  to
• 7:26
  have
• 7:26
  big,
• 7:27
  hairy,
• 7:27
  audacious
• 7:27
  goals,
• 7:28
  that's
• 7:28
  fantastic.
• 7:29
  But
• 7:29
  with
• 7:29
  your
• 7:29
  mentor,
• 7:30
  just
• 7:30
  pick
• 7:30
  one
• 7:30
  metric
• 7:31
  or
• 7:31
  one
• 7:31
  habit,
• 7:32
  one
• 7:32
  next
• 7:32
  step.
• 7:34
  Because
• 7:34
  that
• 7:34
  consistency
• 7:35
  will
• 7:35
  build
• 7:36
  confidence
• 7:36
  and
• 7:37
  that
• 7:37
  confidence
• 7:37
  builds
• 7:38
  momentum.
• 7:39
  Look
• 7:40
  at
• 7:40
  Proverbs
• 7:40
  15:22.
• 7:41
  I've
• 7:42
  used
• 7:42
  this
• 7:42
  on
• 7:42
  this
• 7:42
  show
• 7:43
  a
• 7:43
  dozen
• 7:43
  times.
• 7:44
  Plans
• 7:45
  fail
• 7:45
  for
• 7:46
  the
• 7:46
  lack
• 7:46
  of
• 7:46
  counsel,
• 7:47
  but
• 7:47
  then
• 7:48
  it
• 7:48
  goes
• 7:48
  on
• 7:48
  with
• 7:48
  many
• 7:49
  advisors.
• 7:49
  They
• 7:50
  succeed.
• 7:52
  You
• 7:52
  want
• 7:52
  to
• 7:53
  succeed.
• 7:54
  What
• 7:54
  is
• 7:54
  Scripture
• 7:54
  telling
• 7:55
  us?
• 7:56
  Have
• 7:57
  counsel,
• 7:58
  have
• 7:58
  mentors,
• 7:59
  have
• 7:59
  accountability
• 8:00
  partners.
• 8:03
  I
• 8:03
  mentioned
• 8:03
  this
• 8:03
  on
• 8:03
  the
• 8:03
  show
• 8:03
  a
• 8:04
  couple
• 8:04
  days
• 8:04
  ago.
• 8:05
  Sometimes
• 8:06
  God's
• 8:06
  provision
• 8:06
  isn't
• 8:07
  money,
• 8:08
  it's
• 8:08
  people.
• 8:10
  God's
• 8:11
  given
• 8:11
  you
• 8:11
  somebody
• 8:12
  right
• 8:12
  in
• 8:12
  front
• 8:12
  of
• 8:12
  you.
• 8:13
  He's
• 8:14
  put
• 8:14
  the
• 8:14
  person
• 8:14
  in
• 8:15
  front
• 8:15
  of
• 8:15
  you
• 8:15
  that
• 8:15
  he
• 8:15
  wants
• 8:16
  you
• 8:16
  to
• 8:16
  know,
• 8:17
  the
• 8:17
  person
• 8:17
  that
• 8:17
  he's
• 8:18
  providing
• 8:18
  for
• 8:18
  you.
• 8:18
  You
• 8:19
  may
• 8:19
  be
• 8:19
  praying
• 8:19
  for
• 8:20
  money,
• 8:20
  you'd
• 8:20
  be
• 8:21
  praying
• 8:21
  for
• 8:21
  a
• 8:21
  miracle.
• 8:22
  Maybe
• 8:22
  he's
• 8:22
  put
• 8:23
  that
• 8:23
  miracle
• 8:23
  Right
• 8:23
  in
• 8:23
  front
• 8:24
  of
• 8:24
  you.
• 8:26
  How
• 8:26
  about
• 8:26
  we
• 8:26
  pray
• 8:26
  together,
• 8:28
  Lord,
• 8:28
  as
• 8:28
  we
• 8:29
  pray
• 8:29
  right
• 8:29
  now,
• 8:29
  Help
• 8:29
  to
• 8:30
  lead
• 8:30
  me
• 8:30
  to
• 8:30
  that
• 8:31
  right
• 8:31
  people
• 8:31
  in
• 8:31
  our
• 8:32
  lives
• 8:32
  to
• 8:32
  help
• 8:32
  me
• 8:33
  to
• 8:33
  walk
• 8:33
  with
• 8:33
  them
• 8:33
  this
• 8:33
  year,
• 8:34
  Lord.
• 8:35
  But
• 8:35
  before
• 8:35
  any
• 8:36
  of
• 8:36
  those
• 8:36
  things,
• 8:36
  God,
• 8:37
  give
• 8:37
  me
• 8:38
  a
• 8:38
  teachable
• 8:38
  spirit,
• 8:39
  give
• 8:40
  me
• 8:40
  a
• 8:40
  willingness
• 8:40
  to
• 8:41
  be
• 8:41
  flexible.
• 8:42
  Give
• 8:42
  me
• 8:42
  courage
• 8:43
  to
• 8:43
  be
• 8:43
  honest
• 8:44
  where
• 8:44
  I'm
• 8:44
  drifting,
• 8:45
  Lord,
• 8:46
  and
• 8:46
  help
• 8:46
  me
• 8:47
  to
• 8:47
  stay
• 8:47
  in
• 8:47
  that
• 8:47
  consistency.
• 8:49
  And,
• 8:49
  Lord,
• 8:50
  I
• 8:50
  just
• 8:50
  ask
• 8:50
  this
• 8:50
  in
• 8:50
  the
• 8:51
  name
• 8:51
  of
• 8:51
  Jesus.
• 8:52
  Amen.
• 8:53
  Okay,
• 8:54
  here's
• 8:54
  what
• 8:54
  I
• 8:54
  want
• 8:54
  you
• 8:54
  to
• 8:54
  do
• 8:54
  this
• 8:55
  week.
• 8:55
  I
• 8:56
  want
• 8:56
  you
• 8:56
  to
• 8:56
  identify
• 8:57
  one
• 8:57
  mentor
• 8:57
  or
• 8:57
  one
• 8:58
  accountability
• 8:58
  partner
• 8:59
  for
• 8:59
  2026.
• 9:01
  Send
• 9:01
  them
• 9:01
  a
• 9:02
  message.
• 9:02
  Set
• 9:03
  that
• 9:03
  first
• 9:03
  meeting.
• 9:04
  Don't
• 9:04
  wait
• 9:04
  for
• 9:04
  January.
• 9:04
  A
• 9:05
  lot
• 9:05
  of
• 9:05
  people
• 9:05
  are
• 9:05
  going
• 9:05
  to
• 9:05
  be
• 9:05
  flooded
• 9:06
  in
• 9:06
  January.
• 9:06
  They
• 9:06
  got
• 9:06
  their
• 9:06
  New
• 9:07
  Year's
• 9:07
  resolutions.
• 9:07
  I
• 9:08
  got
• 9:08
  to
• 9:08
  go
• 9:08
  fix
• 9:08
  these
• 9:08
  things.
• 9:09
  Do
• 9:10
  it
• 9:10
  now,
• 9:11
  because
• 9:11
  growth
• 9:12
  begins
• 9:12
  with
• 9:12
  that
• 9:13
  first
• 9:13
  conversation.
• 9:13
  And
• 9:14
  listen,
• 9:14
  I'm
• 9:14
  going
• 9:14
  to
• 9:14
  say
• 9:14
  something
• 9:15
  right
• 9:15
  now.
• 9:15
  If
• 9:15
  you
• 9:16
  have
• 9:16
  a
• 9:16
  calling
• 9:16
  on
• 9:16
  your
• 9:17
  life
• 9:17
  to
• 9:17
  be
• 9:17
  that
• 9:17
  mentor,
• 9:18
  open
• 9:18
  the
• 9:19
  door
• 9:19
  to
• 9:19
  somebody.
• 9:20
  It
• 9:21
  will
• 9:21
  change
• 9:21
  you
• 9:21
  in
• 9:22
  ways
• 9:22
  that
• 9:22
  I
• 9:22
  can't
• 9:23
  even
• 9:23
  explain.
• 9:23
  I
• 9:23
  do
• 9:23
  that
• 9:23
  with
• 9:24
  a
• 9:24
  lot
• 9:24
  of
• 9:24
  people
• 9:24
  in
• 9:24
  my
• 9:24
  business.
• 9:27
  Also
• 9:27
  want
• 9:27
  to
• 9:28
  invite
• 9:28
  you
• 9:28
  now
• 9:28
  to
• 9:28
  our
• 9:28
  financially
• 9:29
  confident
• 9:29
  Christian
• 9:30
  community.
• 9:31
  Talk
• 9:31
  about
• 9:31
  being
• 9:31
  honest.
• 9:32
  That's
• 9:32
  a
• 9:32
  safe
• 9:32
  place
• 9:33
  to
• 9:33
  be
• 9:33
  honest
• 9:33
  without
• 9:33
  shame.
• 9:35
  And
• 9:35
  there
• 9:35
  you
• 9:35
  can
• 9:35
  encourage
• 9:36
  each
• 9:36
  other.
• 9:36
  You
• 9:36
  can
• 9:37
  grow.
• 9:37
  Not
• 9:37
  about
• 9:37
  guilt.
• 9:39
  It's
• 9:39
  all
• 9:40
  about
• 9:40
  helping
• 9:40
  to
• 9:40
  build
• 9:40
  each
• 9:41
  other
• 9:41
  up.
• 9:41
  And
• 9:42
  as
• 9:42
  more
• 9:42
  people
• 9:42
  join,
• 9:43
  we'll
• 9:43
  be
• 9:43
  adding
• 9:43
  more
• 9:43
  resources
• 9:44
  and
• 9:44
  expanding
• 9:45
  what
• 9:45
  the
• 9:45
  community
• 9:45
  can
• 9:45
  offer.
• 9:46
  If
• 9:46
  you
• 9:47
  want
• 9:47
  to
• 9:47
  be
• 9:47
  part
• 9:47
  of
• 9:47
  this
• 9:47
  building
• 9:48
  something
• 9:48
  meaningful,
• 9:48
  come
• 9:49
  join
• 9:49
  us.
• 9:49
  We'd
• 9:50
  love
• 9:50
  to
• 9:50
  grow
• 9:50
  this
• 9:50
  community
• 9:51
  with
• 9:51
  you.
• 9:51
  You
• 9:52
  go
• 9:52
  to
• 9:52
  financiallyconfidentchristian.com/join
• 9:55
  again.
• 9:55
  That's
• 9:56
  financiallyconfidentchristian.com/Join.
• 10:01
  Growth
• 10:01
  was
• 10:01
  never
• 10:02
  meant
• 10:02
  to
• 10:02
  be
• 10:02
  a
• 10:02
  solo
• 10:03
  mission.
• 10:03
  You
• 10:03
  don't
• 10:03
  have
• 10:03
  to
• 10:03
  be
• 10:03
  a
• 10:03
  lone
• 10:04
  wolf
• 10:04
  in
• 10:04
  this.
• 10:05
  You're
• 10:06
  sharpened
• 10:06
  by
• 10:06
  people
• 10:06
  who
• 10:07
  love
• 10:07
  you.
• 10:08
  You're
• 10:08
  sharpened
• 10:08
  by
• 10:08
  people
• 10:09
  who
• 10:09
  challenge
• 10:09
  you.
• 10:10
  And
• 10:10
  you're
• 10:10
  sharpened
• 10:11
  by
• 10:11
  people
• 10:11
  who
• 10:11
  walk
• 10:11
  beside
• 10:12
  you.
• 10:13
  One
• 10:13
  relationship,
• 10:15
  one
• 10:15
  partner,
• 10:16
  one
• 10:16
  mentor
• 10:18
  can
• 10:18
  change
• 10:18
  your
• 10:18
  entire
• 10:19
  year,
• 10:19
  dear.
• 10:19
  I
• 10:19
  say
• 10:20
  change
• 10:21
  your
• 10:21
  entire
• 10:21
  life.
• 10:23
  Go
• 10:24
  out
• 10:24
  there
• 10:24
  today
• 10:24
  and
• 10:24
  be
• 10:25
  that
• 10:25
  financially
• 10:25
  confident
• 10:26
  Christian
• 10:26
  that
• 10:26
  I
• 10:26
  know
• 10:26
  you
• 10:27
  can
• 10:27
  be.
• 10:27
  You
• 10:27
  can
• 10:27
  do
• 10:27
  this.
• 10:28
  Stay
• 10:29
  financially
• 10:29
  savvy.
• 10:30
  God
• 10:30
  bless
• 10:30
  you.
• 10:30
  And
• 10:31
  you
• 10:31
  have
• 10:31
  a
• 10:31
  great
• 10:31
  day
• 10:31
  today.