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How Do I Stop Bank Fees Fast? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  does
• 0:38
  it
• 0:38
  feel
• 0:38
  like
• 0:38
  your
• 0:38
  money's
• 0:38
  leaking
• 0:39
  out
• 0:39
  a
• 0:39
  little
• 0:39
  at
• 0:39
  a
• 0:40
  time?
• 0:41
  That
• 0:41
  $35
• 0:42
  here,
• 0:43
  $25
• 0:44
  there,
• 0:45
  and
• 0:45
  before
• 0:45
  you
• 0:46
  know
• 0:46
  it,
• 0:46
  you've
• 0:46
  lost
• 0:46
  money
• 0:47
  you
• 0:47
  work
• 0:47
  so
• 0:47
  hard
• 0:48
  to
• 0:48
  earn
• 0:48
  to
• 0:48
  fees.
• 0:50
  If
• 0:50
  you're
• 0:51
  tired
• 0:51
  of
• 0:51
  feeling
• 0:51
  stuck
• 0:51
  in
• 0:52
  that
• 0:52
  cycle,
• 0:52
  today
• 0:53
  we're
• 0:53
  going
• 0:53
  to
• 0:53
  stop
• 0:54
  the
• 0:54
  bleeding
• 0:54
  and
• 0:54
  we're
• 0:55
  going
• 0:55
  to
• 0:55
  stop
• 0:55
  it.
• 1:17
  Hello,
• 1:17
  friend.
• 1:18
  Ralph
• 1:18
  Estep
• 1:18
  Jr.
• 1:19
  Here.
• 1:19
  Welcome
• 1:20
  to
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian,
• 1:22
  where
• 1:22
  we're
• 1:22
  breaking
• 1:23
  the
• 1:23
  cycle
• 1:23
  of
• 1:24
  financial
• 1:24
  shame
• 1:25
  and
• 1:25
  helping
• 1:25
  you
• 1:26
  find
• 1:26
  confidence.
• 1:27
  Today's
• 1:28
  show
• 1:28
  is
• 1:28
  super
• 1:29
  practical.
• 1:30
  Today
• 1:30
  I
• 1:30
  want
• 1:31
  to
• 1:31
  talk
• 1:31
  about
• 1:31
  how
• 1:31
  to
• 1:31
  stop
• 1:32
  bank
• 1:32
  fees
• 1:32
  from
• 1:32
  draining
• 1:33
  your
• 1:33
  money.
• 1:34
  And
• 1:34
  it
• 1:34
  comes
• 1:35
  to
• 1:35
  us
• 1:35
  by
• 1:35
  a
• 1:35
  question
• 1:36
  from
• 1:36
  a
• 1:36
  listener.
• 1:37
  Listener
• 1:37
  writes
• 1:37
  this
• 1:38
  Ralph
• 1:39
  I
• 1:39
  keep
• 1:40
  getting
• 1:40
  hit
• 1:40
  with
• 1:40
  fees,
• 1:41
  overdrafts,
• 1:42
  late
• 1:43
  charges,
• 1:43
  service
• 1:44
  fees,
• 1:45
  and
• 1:45
  it
• 1:45
  feels
• 1:46
  like
• 1:46
  my
• 1:46
  money
• 1:46
  is
• 1:46
  leaking
• 1:47
  out
• 1:47
  faster
• 1:47
  than
• 1:48
  I
• 1:48
  can
• 1:48
  control.
• 1:49
  It's
• 1:50
  frustrating.
• 1:51
  And
• 1:51
  honestly,
• 1:52
  it's
• 1:52
  discouraging.
• 1:53
  Like
• 1:53
  I'm
• 1:53
  working
• 1:54
  hard
• 1:54
  to
• 1:54
  just
• 1:54
  stay
• 1:54
  in
• 1:55
  the
• 1:55
  same
• 1:55
  place.
• 1:56
  I
• 1:56
  don't
• 1:57
  want
• 1:57
  to
• 1:57
  keep
• 1:57
  losing
• 1:57
  ground
• 1:58
  like
• 1:58
  this.
• 1:59
  What's
• 1:59
  the
• 1:59
  simplest
• 2:00
  system
• 2:00
  I
• 2:00
  can
• 2:01
  put
• 2:01
  in
• 2:01
  place
• 2:01
  this
• 2:02
  week
• 2:02
  to
• 2:02
  stop
• 2:02
  the
• 2:03
  bleeding
• 2:04
  and
• 2:04
  to
• 2:04
  finally
• 2:04
  get
• 2:05
  some
• 2:05
  breathing
• 2:05
  room?
• 2:08
  Friend,
• 2:08
  I
• 2:08
  hear
• 2:08
  the
• 2:09
  frustration
• 2:09
  in
• 2:09
  that
• 2:10
  call,
• 2:10
  in
• 2:11
  that
• 2:11
  voicemail,
• 2:13
  because
• 2:13
  the
• 2:13
  truth
• 2:13
  of
• 2:13
  the
• 2:14
  matter
• 2:14
  is
• 2:14
  fees
• 2:15
  don't
• 2:15
  just
• 2:15
  cost
• 2:15
  us
• 2:16
  money,
• 2:16
  they
• 2:16
  cost
• 2:16
  us
• 2:17
  momentum.
• 2:18
  That's
• 2:19
  what
• 2:19
  we're
• 2:19
  really
• 2:19
  talking
• 2:19
  about.
• 2:20
  It's
• 2:20
  momentum
• 2:20
  that
• 2:20
  you're
• 2:21
  talking
• 2:21
  about.
• 2:22
  But
• 2:23
  here's
• 2:23
  the
• 2:23
  good
• 2:23
  news.
• 2:25
  This
• 2:25
  is
• 2:25
  one
• 2:25
  of
• 2:25
  the
• 2:25
  fastest
• 2:26
  things
• 2:26
  you
• 2:26
  can
• 2:27
  fix.
• 2:29
  Here's
• 2:29
  the
• 2:29
  big
• 2:29
  takeaway
• 2:30
  for
• 2:30
  today.
• 2:31
  Fees
• 2:32
  happen
• 2:32
  when
• 2:32
  money
• 2:33
  isn't
• 2:33
  being
• 2:33
  tracked
• 2:34
  in
• 2:34
  real
• 2:34
  time.
• 2:35
  But
• 2:36
  clarity
• 2:36
  stops
• 2:36
  the
• 2:37
  leaks.
• 2:38
  Like
• 2:38
  I
• 2:38
  said,
• 2:38
  today,
• 2:38
  I'm
• 2:39
  going
• 2:39
  to
• 2:39
  be
• 2:39
  your
• 2:39
  financial
• 2:40
  plumber.
• 2:41
  I'm
• 2:41
  going
• 2:41
  to
• 2:41
  show
• 2:41
  you
• 2:42
  how
• 2:42
  to
• 2:42
  stop
• 2:42
  the
• 2:42
  leaks.
• 2:43
  Here's
• 2:44
  the
• 2:44
  first
• 2:44
  thing
• 2:44
  you've
• 2:45
  got
• 2:45
  to
• 2:45
  do.
• 2:45
  You've
• 2:46
  got
• 2:46
  to
• 2:46
  know
• 2:46
  your
• 2:47
  real
• 2:47
  balance,
• 2:48
  not
• 2:48
  some
• 2:48
  estimated
• 2:49
  one.
• 2:50
  This
• 2:50
  is
• 2:50
  where
• 2:50
  most
• 2:51
  fees
• 2:51
  begin.
• 2:52
  Most
• 2:53
  of
• 2:53
  us
• 2:53
  think
• 2:53
  you
• 2:53
  have
• 2:54
  more
• 2:54
  than
• 2:54
  you
• 2:54
  do.
• 2:56
  A
• 2:56
  lot
• 2:56
  of
• 2:56
  times
• 2:56
  that's
• 2:56
  because
• 2:57
  you've
• 2:57
  got
• 2:57
  pending
• 2:58
  transactions
• 2:58
  that
• 2:58
  haven't
• 2:59
  cleared.
• 3:00
  Maybe
• 3:00
  you've
• 3:00
  got
• 3:00
  some
• 3:00
  automatic
• 3:01
  payments
• 3:01
  that
• 3:02
  are
• 3:02
  coming
• 3:02
  out
• 3:02
  or
• 3:02
  your
• 3:03
  timing's
• 3:03
  off.
• 3:03
  I'll
• 3:04
  tell
• 3:04
  you
• 3:04
  a
• 3:04
  funny
• 3:04
  story
• 3:05
  as
• 3:05
  I've
• 3:06
  shared
• 3:06
  with
• 3:06
  people
• 3:06
  on
• 3:06
  the
• 3:06
  show.
• 3:07
  I
• 3:07
  used
• 3:07
  to
• 3:07
  run
• 3:07
  a
• 3:07
  credit
• 3:08
  union.
• 3:08
  I'll
• 3:09
  never
• 3:09
  forget.
• 3:09
  It
• 3:09
  was
• 3:09
  a
• 3:10
  Friday
• 3:10
  afternoon.
• 3:10
  This
• 3:11
  lady
• 3:11
  came
• 3:11
  in,
• 3:11
  she
• 3:11
  sat
• 3:12
  down
• 3:12
  with
• 3:12
  me
• 3:12
  and
• 3:12
  she
• 3:12
  said,
• 3:13
  Mr.
• 3:13
  Ralph,
• 3:14
  Mr.
• 3:14
  Ralph,
• 3:15
  here
• 3:15
  we
• 3:15
  go.
• 3:16
  She
• 3:17
  said
• 3:17
  to
• 3:17
  me,
• 3:17
  I
• 3:18
  got
• 3:18
  this
• 3:18
  notice
• 3:18
  that
• 3:18
  says
• 3:19
  my
• 3:19
  account's
• 3:19
  overdrafted.
• 3:21
  She
• 3:21
  says,
• 3:21
  but
• 3:21
  I
• 3:21
  can't
• 3:22
  be
• 3:22
  overdrafted.
• 3:23
  I
• 3:23
  still
• 3:23
  have
• 3:23
  checks.
• 3:26
  I
• 3:26
  looked
• 3:27
  around
• 3:27
  what
• 3:28
  did
• 3:28
  she
• 3:28
  just
• 3:28
  say?
• 3:30
  But
• 3:30
  we
• 3:31
  can
• 3:31
  see
• 3:31
  how
• 3:31
  silly
• 3:31
  that
• 3:32
  is,
• 3:32
  right?
• 3:32
  Can't
• 3:32
  we?
• 3:33
  But
• 3:34
  if
• 3:34
  we
• 3:34
  don't
• 3:34
  understand
• 3:35
  the
• 3:35
  reality,
• 3:37
  how
• 3:37
  are
• 3:37
  we
• 3:37
  going
• 3:38
  to
• 3:38
  do
• 3:38
  anything
• 3:38
  different?
• 3:40
  So
• 3:41
  your
• 3:41
  new
• 3:41
  rule
• 3:41
  is
• 3:42
  simple.
• 3:42
  Only
• 3:43
  spend
• 3:43
  based
• 3:44
  on
• 3:44
  your
• 3:44
  actual
• 3:45
  available
• 3:45
  balance.
• 3:46
  Not
• 3:46
  what
• 3:46
  you
• 3:47
  think
• 3:47
  is
• 3:47
  there.
• 3:48
  What
• 3:48
  you
• 3:49
  think
• 3:49
  of
• 3:49
  there,
• 3:50
  what
• 3:50
  you
• 3:50
  think
• 3:50
  is
• 3:50
  there
• 3:51
  means
• 3:51
  nothing.
• 3:53
  It's
• 3:53
  what
• 3:53
  is
• 3:53
  really
• 3:54
  there.
• 3:55
  But
• 3:55
  how
• 3:55
  do
• 3:55
  you
• 3:55
  know
• 3:55
  that?
• 3:56
  Here's
• 3:56
  the
• 3:56
  thing.
• 3:56
  We
• 3:56
  live
• 3:57
  in
• 3:57
  a
• 3:57
  technological
• 3:58
  age.
• 3:58
  Turn
• 3:59
  on
• 3:59
  alerts
• 4:00
  for
• 4:00
  everything.
• 4:01
  There's
• 4:02
  no
• 4:02
  reason
• 4:02
  that
• 4:02
  you
• 4:03
  don't
• 4:03
  have
• 4:03
  these
• 4:03
  set
• 4:03
  up.
• 4:04
  You
• 4:04
  need
• 4:04
  visibility.
• 4:06
  You
• 4:06
  can
• 4:06
  go
• 4:06
  right
• 4:07
  now
• 4:07
  onto
• 4:07
  your
• 4:08
  bank
• 4:08
  account,
• 4:08
  onto
• 4:09
  your
• 4:09
  credit
• 4:09
  cards,
• 4:09
  and
• 4:10
  set
• 4:10
  up
• 4:10
  alerts
• 4:10
  for
• 4:11
  low
• 4:11
  balance
• 4:12
  for
• 4:12
  every
• 4:12
  transaction,
• 4:13
  for
• 4:13
  upcoming
• 4:14
  bills.
• 4:16
  Just
• 4:16
  set
• 4:16
  up
• 4:16
  the
• 4:16
  alerts.
• 4:17
  You
• 4:17
  don't
• 4:17
  need
• 4:17
  to
• 4:17
  check
• 4:18
  your
• 4:18
  account
• 4:18
  constantly.
• 4:19
  You
• 4:19
  just
• 4:19
  need
• 4:20
  your
• 4:20
  account
• 4:20
  to
• 4:20
  notify
• 4:21
  you.
• 4:21
  So
• 4:22
  one
• 4:22
  of
• 4:22
  the
• 4:22
  greatest
• 4:22
  tools
• 4:23
  of
• 4:23
  AI
• 4:24
  and
• 4:24
  technology
• 4:25
  is
• 4:25
  that
• 4:25
  that
• 4:26
  awareness
• 4:26
  will
• 4:27
  prevent
• 4:27
  those
• 4:27
  surprises.
• 4:29
  So
• 4:30
  preventive.
• 4:30
  Know
• 4:31
  what's
• 4:31
  really
• 4:31
  going
• 4:31
  on,
• 4:32
  but
• 4:32
  then
• 4:32
  create
• 4:32
  a
• 4:33
  small
• 4:33
  buffer
• 4:33
  in
• 4:33
  your
• 4:33
  account.
• 4:34
  This
• 4:34
  is
• 4:34
  the
• 4:35
  game
• 4:35
  changer.
• 4:36
  Honestly,
• 4:36
  this
• 4:37
  is
• 4:37
  probably
• 4:37
  the
• 4:37
  biggest
• 4:38
  thing
• 4:38
  that
• 4:38
  I've
• 4:38
  seen
• 4:39
  work
• 4:39
  for
• 4:39
  most
• 4:39
  people.
• 4:41
  Build
• 4:41
  that
• 4:41
  cushion,
• 4:42
  $50,
• 4:43
  $100,
• 4:44
  $200,
• 4:46
  it
• 4:46
  doesn't
• 4:47
  really
• 4:47
  matter.
• 4:47
  But
• 4:48
  when
• 4:48
  you
• 4:48
  have
• 4:48
  that
• 4:49
  buffer,
• 4:49
  it
• 4:49
  protects
• 4:50
  you
• 4:50
  from
• 4:50
  those
• 4:50
  timing
• 4:51
  issues
• 4:51
  and
• 4:52
  those
• 4:52
  small
• 4:52
  miscalculations.
• 4:54
  This
• 4:55
  is
• 4:55
  not
• 4:55
  extra
• 4:55
  money
• 4:56
  now.
• 4:56
  This
• 4:56
  is
• 4:56
  protection
• 4:57
  money.
• 4:57
  This
• 4:57
  is
• 4:57
  that
• 4:58
  buffer.
• 4:59
  Here's
• 4:59
  another
• 5:00
  thing
• 5:00
  I'm
• 5:00
  going
• 5:00
  to
• 5:00
  encourage
• 5:00
  you
• 5:00
  to
• 5:01
  do.
• 5:01
  Simplify
• 5:02
  your
• 5:02
  payment
• 5:02
  flow.
• 5:04
  So
• 5:04
  many
• 5:04
  of
• 5:05
  us
• 5:05
  have
• 5:05
  these
• 5:05
  multiple
• 5:06
  moving
• 5:06
  parts,
• 5:07
  but
• 5:07
  the
• 5:08
  more
• 5:08
  moving
• 5:08
  parts.
• 5:08
  I
• 5:08
  talked
• 5:09
  about
• 5:09
  this
• 5:09
  the
• 5:09
  other
• 5:09
  day
• 5:09
  in
• 5:09
  the
• 5:10
  credit
• 5:10
  card.
• 5:10
  In
• 5:11
  the
• 5:11
  credit
• 5:11
  card
• 5:11
  episode,
• 5:12
  the
• 5:12
  more
• 5:12
  moving
• 5:13
  parts
• 5:13
  you
• 5:13
  have,
• 5:13
  the
• 5:14
  more
• 5:14
  chances
• 5:14
  for
• 5:15
  mistakes.
• 5:16
  I
• 5:16
  never
• 5:16
  forget.
• 5:17
  I
• 5:17
  had
• 5:17
  someone
• 5:17
  sit
• 5:17
  across
• 5:17
  from
• 5:18
  me.
• 5:18
  They
• 5:18
  were
• 5:18
  frustrated,
• 5:19
  and
• 5:20
  it
• 5:20
  wasn't
• 5:20
  because
• 5:20
  they
• 5:21
  weren't
• 5:21
  trying.
• 5:21
  These
• 5:21
  people
• 5:22
  were
• 5:22
  trying,
• 5:23
  but
• 5:23
  they
• 5:24
  kept
• 5:24
  getting
• 5:24
  hit
• 5:24
  with
• 5:25
  overdraft
• 5:25
  fees.
• 5:26
  I'd
• 5:27
  never
• 5:27
  forget.
• 5:27
  I
• 5:27
  looked
• 5:27
  at
• 5:27
  their
• 5:27
  statement.
• 5:28
  $35
• 5:29
  here,
• 5:29
  another
• 5:29
  $35
• 5:30
  there.
• 5:31
  The
• 5:31
  bank
• 5:31
  was
• 5:31
  making
• 5:32
  a
• 5:32
  mint
• 5:32
  on
• 5:32
  them.
• 5:34
  And
• 5:34
  it's
• 5:34
  like
• 5:34
  their
• 5:34
  money
• 5:34
  was
• 5:35
  just
• 5:35
  leaking
• 5:35
  out.
• 5:35
  That's
• 5:35
  why
• 5:35
  I
• 5:36
  said,
• 5:36
  today
• 5:36
  is
• 5:36
  about
• 5:36
  being
• 5:36
  a
• 5:37
  plumber.
• 5:38
  So
• 5:38
  I
• 5:38
  asked
• 5:39
  them
• 5:39
  a
• 5:39
  real
• 5:39
  simple
• 5:40
  question.
• 5:40
  I
• 5:40
  said,
• 5:40
  walk
• 5:40
  me
• 5:41
  through
• 5:41
  your
• 5:41
  accounts.
• 5:42
  So
• 5:43
  picture
• 5:43
  this.
• 5:43
  They
• 5:44
  had
• 5:44
  one
• 5:44
  account
• 5:44
  for
• 5:45
  bills.
• 5:45
  They
• 5:46
  had
• 5:46
  another
• 5:46
  account
• 5:46
  for
• 5:47
  spending.
• 5:47
  They
• 5:48
  had
• 5:48
  a
• 5:48
  third
• 5:48
  account
• 5:48
  they
• 5:49
  even
• 5:49
  forgot
• 5:49
  about.
• 5:50
  And
• 5:51
  income
• 5:51
  was
• 5:51
  hitting
• 5:52
  at
• 5:52
  different
• 5:52
  times.
• 5:53
  Bills
• 5:53
  were
• 5:53
  coming
• 5:53
  out
• 5:54
  all
• 5:54
  month
• 5:54
  long.
• 5:55
  It
• 5:55
  was
• 5:55
  like
• 5:55
  no
• 5:56
  rhythm
• 5:56
  and
• 5:56
  no
• 5:57
  clarity,
• 5:57
  just
• 5:57
  constant
• 5:58
  movement.
• 5:59
  It
• 5:59
  was
• 5:59
  chaos.
• 6:01
  And
• 6:01
  here's
• 6:01
  the
• 6:01
  thing.
• 6:02
  These
• 6:02
  people
• 6:02
  weren't
• 6:02
  bad
• 6:03
  with
• 6:03
  money.
• 6:04
  Their
• 6:04
  system
• 6:05
  had
• 6:05
  just
• 6:05
  Gotten
• 6:05
  way
• 6:06
  too
• 6:06
  complicated.
• 6:08
  So
• 6:08
  I
• 6:08
  didn't
• 6:08
  say
• 6:09
  to
• 6:09
  them,
• 6:09
  hey,
• 6:09
  we're
• 6:09
  going
• 6:09
  to
• 6:09
  rebuild
• 6:10
  everything.
• 6:10
  We
• 6:10
  simplified
• 6:11
  it.
• 6:12
  We
• 6:12
  changed
• 6:12
  a
• 6:13
  one
• 6:13
  main
• 6:13
  checking
• 6:14
  account.
• 6:14
  All
• 6:15
  the
• 6:15
  income
• 6:15
  goes
• 6:16
  in
• 6:16
  there.
• 6:17
  All
• 6:17
  the
• 6:17
  bills
• 6:18
  come
• 6:18
  out
• 6:18
  of
• 6:18
  there.
• 6:19
  We
• 6:19
  even
• 6:19
  called
• 6:20
  a
• 6:20
  few
• 6:20
  other
• 6:20
  companies.
• 6:20
  We
• 6:21
  moved
• 6:21
  some
• 6:21
  due
• 6:21
  dates
• 6:22
  so
• 6:22
  that
• 6:22
  most
• 6:23
  bills
• 6:23
  hit
• 6:23
  around
• 6:23
  the
• 6:24
  same
• 6:24
  time.
• 6:25
  And
• 6:25
  then
• 6:26
  as
• 6:26
  I
• 6:26
  talked
• 6:26
  about
• 6:26
  on
• 6:26
  the
• 6:26
  show
• 6:27
  before,
• 6:27
  we
• 6:27
  automated
• 6:28
  the
• 6:28
  essentials.
• 6:29
  That
• 6:29
  was
• 6:30
  it.
• 6:31
  You
• 6:31
  didn't
• 6:31
  hear
• 6:31
  me
• 6:31
  mention
• 6:32
  some
• 6:32
  complex
• 6:32
  budget.
• 6:33
  I
• 6:33
  didn't
• 6:34
  sell
• 6:34
  them
• 6:34
  on
• 6:34
  some
• 6:34
  new
• 6:35
  app.
• 6:35
  No
• 6:35
  big
• 6:36
  overhaul.
• 6:37
  Just
• 6:38
  those
• 6:38
  simple
• 6:38
  things.
• 6:40
  And
• 6:40
  a
• 6:40
  few
• 6:40
  weeks
• 6:40
  later,
• 6:42
  those
• 6:42
  overdraft
• 6:43
  fees
• 6:43
  were
• 6:44
  gone.
• 6:45
  Now,
• 6:45
  it
• 6:45
  wasn't
• 6:46
  because
• 6:46
  they
• 6:46
  suddenly
• 6:46
  became
• 6:47
  perfect,
• 6:48
  but
• 6:48
  they
• 6:48
  had
• 6:49
  a
• 6:49
  system.
• 6:51
  They
• 6:51
  had
• 6:51
  a
• 6:51
  system
• 6:51
  that
• 6:52
  stopped
• 6:52
  working
• 6:52
  against
• 6:53
  them.
• 6:55
  Friend,
• 6:55
  hear
• 6:56
  me
• 6:56
  on
• 6:56
  this.
• 6:56
  Sometimes
• 6:57
  the
• 6:57
  breakthrough
• 6:57
  isn't
• 6:58
  trying
• 6:58
  harder.
• 6:59
  It's
• 6:59
  actually
• 7:00
  making
• 7:00
  things
• 7:01
  simpler.
• 7:03
  But
• 7:03
  you
• 7:03
  got
• 7:03
  to
• 7:04
  fix
• 7:04
  the
• 7:04
  system,
• 7:04
  not
• 7:05
  just
• 7:05
  the
• 7:05
  symptoms.
• 7:06
  Let's
• 7:06
  go
• 7:06
  deeper
• 7:06
  for
• 7:07
  just
• 7:07
  a
• 7:07
  moment.
• 7:08
  Fees
• 7:08
  are
• 7:09
  not
• 7:09
  a
• 7:09
  money
• 7:09
  issue.
• 7:10
  Now,
• 7:10
  you
• 7:10
  might
• 7:10
  be
• 7:10
  saying,
• 7:11
  ralph,
• 7:11
  you're
• 7:11
  crazy.
• 7:11
  The
• 7:11
  fees
• 7:12
  coming
• 7:12
  out
• 7:12
  of
• 7:12
  my
• 7:12
  account,
• 7:13
  Ralph,
• 7:13
  it's
• 7:13
  a
• 7:13
  money
• 7:13
  issue.
• 7:14
  No,
• 7:14
  it's
• 7:14
  not.
• 7:15
  It's
• 7:15
  a
• 7:15
  system
• 7:16
  issue.
• 7:18
  So
• 7:18
  instead
• 7:18
  of
• 7:18
  saying
• 7:18
  to
• 7:19
  yourself,
• 7:19
  I
• 7:19
  need
• 7:19
  to
• 7:20
  try
• 7:20
  harder,
• 7:20
  say,
• 7:20
  I
• 7:21
  need
• 7:21
  a
• 7:21
  system
• 7:21
  that
• 7:22
  works
• 7:22
  even
• 7:23
  when
• 7:23
  I'm
• 7:23
  tired.
• 7:25
  Because
• 7:25
  when
• 7:26
  you
• 7:26
  build
• 7:26
  a
• 7:26
  system
• 7:26
  that
• 7:27
  works,
• 7:28
  you
• 7:28
  don't
• 7:28
  have
• 7:29
  to
• 7:29
  rely
• 7:29
  on
• 7:29
  willpower.
• 7:30
  Willpower
• 7:31
  will
• 7:31
  let
• 7:31
  you
• 7:31
  down.
• 7:33
  So
• 7:33
  come
• 7:33
  back
• 7:33
  to
• 7:34
  my
• 7:34
  plumbing
• 7:34
  analogy.
• 7:36
  You
• 7:36
  can
• 7:36
  stop
• 7:36
  the
• 7:37
  leaks
• 7:38
  and
• 7:38
  keep
• 7:39
  what
• 7:39
  you
• 7:39
  earn.
• 7:40
  So
• 7:41
  here's
• 7:41
  your
• 7:41
  win
• 7:41
  for
• 7:41
  today.
• 7:42
  Just
• 7:42
  one
• 7:43
  thing.
• 7:43
  Go
• 7:43
  to
• 7:44
  your
• 7:44
  bank
• 7:44
  account
• 7:44
  and
• 7:45
  turn
• 7:45
  on
• 7:45
  low
• 7:45
  balance
• 7:46
  alerts
• 7:46
  from
• 7:46
  your
• 7:46
  primary
• 7:47
  account.
• 7:47
  That's
• 7:47
  it.
• 7:49
  Because
• 7:49
  that
• 7:49
  one
• 7:49
  alert,
• 7:50
  trust
• 7:50
  me
• 7:50
  on
• 7:50
  this,
• 7:51
  I
• 7:51
  use
• 7:51
  this
• 7:51
  myself.
• 7:53
  That
• 7:53
  one
• 7:53
  alert
• 7:54
  can
• 7:54
  prevent
• 7:54
  that
• 7:54
  next
• 7:55
  fee.
• 7:57
  Go
• 7:57
  turn
• 7:57
  that
• 7:57
  on.
• 7:57
  Today,
• 7:58
  let's
• 7:58
  get
• 7:58
  into
• 7:59
  our
• 7:59
  Bible
• 7:59
  verse.
• 7:59
  Today
• 8:00
  we're
• 8:00
  going
• 8:00
  to
• 8:00
  go
• 8:00
  to
• 8:00
  the
• 8:00
  book
• 8:00
  of
• 8:01
  Proverbs.
• 8:01
  Always
• 8:01
  great
• 8:02
  verses
• 8:02
  about
• 8:03
  finance
• 8:04
  and
• 8:04
  consistency
• 8:05
  in
• 8:05
  proverbs.
• 8:05
  But
• 8:06
  today
• 8:06
  we're
• 8:06
  going
• 8:06
  to
• 8:06
  Proverbs
• 8:07
  27,
• 8:08
  verse
• 8:08
  23.
• 8:09
  And
• 8:09
  this
• 8:09
  one
• 8:10
  hits
• 8:10
  home
• 8:10
  for
• 8:10
  me
• 8:10
  because
• 8:11
  I
• 8:11
  raised
• 8:12
  Black
• 8:12
  Angus
• 8:12
  cows
• 8:13
  here
• 8:13
  on
• 8:13
  the
• 8:13
  farm.
• 8:13
  But
• 8:14
  it
• 8:14
  says
• 8:14
  this.
• 8:14
  27,
• 8:15
  23
• 8:15
  proverbs.
• 8:16
  Be
• 8:16
  sure
• 8:17
  to
• 8:17
  know
• 8:17
  the
• 8:17
  condition
• 8:17
  of
• 8:18
  your
• 8:18
  flocks.
• 8:19
  Give
• 8:19
  careful
• 8:20
  attention
• 8:20
  to
• 8:20
  your
• 8:21
  herds.
• 8:22
  You
• 8:23
  may
• 8:23
  be
• 8:23
  saying,
• 8:23
  ralph,
• 8:23
  what
• 8:23
  does
• 8:23
  that
• 8:24
  have
• 8:24
  to
• 8:24
  do
• 8:24
  with
• 8:24
  money?
• 8:25
  It
• 8:26
  has
• 8:26
  everything
• 8:26
  to
• 8:27
  do
• 8:27
  with
• 8:27
  money.
• 8:29
  Paying
• 8:29
  attention
• 8:29
  to
• 8:30
  what
• 8:30
  you
• 8:30
  have
• 8:30
  is
• 8:31
  the
• 8:31
  first
• 8:31
  step
• 8:31
  to
• 8:31
  protecting
• 8:32
  it.
• 8:34
  Know
• 8:34
  what's
• 8:34
  going
• 8:34
  on.
• 8:35
  That
• 8:35
  financial
• 8:36
  awareness
• 8:37
  prevents
• 8:37
  unnecessary
• 8:38
  losses.
• 8:39
  You
• 8:39
  work
• 8:39
  hard
• 8:39
  for
• 8:39
  your
• 8:39
  money.
• 8:40
  Stop
• 8:40
  giving
• 8:41
  it
• 8:41
  away
• 8:41
  to
• 8:42
  the
• 8:42
  bank
• 8:42
  and
• 8:42
  the
• 8:42
  credit
• 8:43
  card
• 8:43
  company.
• 8:45
  Know
• 8:45
  what's
• 8:45
  going
• 8:45
  on?
• 8:47
  How
• 8:47
  about
• 8:47
  we
• 8:47
  pray
• 8:47
  together
• 8:48
  right
• 8:48
  now.
• 8:49
  Heavenly
• 8:50
  Father,
• 8:51
  I
• 8:51
  lift
• 8:51
  up
• 8:51
  my
• 8:52
  friend
• 8:52
  who
• 8:52
  feels
• 8:52
  frustrated
• 8:53
  and
• 8:53
  discouraged
• 8:54
  by
• 8:54
  these
• 8:54
  constant
• 8:55
  fees.
• 8:57
  And
• 8:57
  Lord,
• 8:57
  you
• 8:57
  see
• 8:58
  their
• 8:58
  effort,
• 8:59
  you
• 8:59
  see
• 9:00
  their
• 9:00
  desire
• 9:00
  to
• 9:00
  move
• 9:01
  forward
• 9:02
  and
• 9:02
  you
• 9:02
  see
• 9:03
  how
• 9:03
  draining
• 9:03
  this
• 9:03
  has
• 9:04
  been
• 9:04
  to
• 9:04
  them.
• 9:06
  I
• 9:06
  ask
• 9:06
  that
• 9:06
  you
• 9:06
  give
• 9:07
  them
• 9:07
  clarity
• 9:07
  to
• 9:07
  see
• 9:08
  what's
• 9:08
  really
• 9:08
  happening,
• 9:09
  Lord.
• 9:10
  Give
• 9:10
  them
• 9:10
  wisdom
• 9:10
  to
• 9:11
  build
• 9:11
  a
• 9:11
  simple
• 9:11
  system
• 9:12
  and
• 9:12
  give
• 9:13
  them
• 9:13
  discipline
• 9:13
  to
• 9:13
  follow
• 9:14
  through.
• 9:15
  Help
• 9:16
  them
• 9:16
  to
• 9:16
  protect
• 9:16
  what
• 9:17
  you've
• 9:17
  provided
• 9:17
  for
• 9:18
  them
• 9:18
  and
• 9:19
  move
• 9:19
  from
• 9:19
  frustration
• 9:20
  to
• 9:20
  steady
• 9:20
  progress.
• 9:23
  Lord.
• 9:23
  Bring
• 9:23
  peace
• 9:23
  to
• 9:24
  their
• 9:24
  finances
• 9:24
  and
• 9:24
  to
• 9:25
  all
• 9:25
  of
• 9:25
  our
• 9:25
  finances
• 9:27
  and
• 9:27
  help
• 9:27
  us
• 9:27
  to
• 9:27
  have
• 9:28
  confidence
• 9:28
  in
• 9:28
  our
• 9:29
  decisions.
• 9:30
  You're
• 9:30
  with
• 9:31
  us
• 9:31
  all
• 9:31
  the
• 9:31
  time,
• 9:31
  Lord.
• 9:31
  We
• 9:32
  ask
• 9:32
  this
• 9:32
  in
• 9:32
  Jesus
• 9:33
  name.
• 9:34
  Amen,
• 9:36
  friend.
• 9:36
  A
• 9:37
  simple
• 9:37
  system
• 9:37
  can
• 9:38
  change
• 9:38
  everything
• 9:40
  and
• 9:40
  it
• 9:40
  can
• 9:40
  change
• 9:41
  starting
• 9:41
  today.
• 9:41
  It's
• 9:42
  really
• 9:42
  that
• 9:42
  magical.
• 9:44
  And
• 9:44
  if
• 9:44
  you're
• 9:44
  ready
• 9:45
  to
• 9:45
  take
• 9:45
  control
• 9:45
  and
• 9:45
  keep
• 9:45
  more
• 9:46
  of
• 9:46
  what
• 9:46
  you
• 9:46
  earn
• 9:47
  and
• 9:47
  maybe
• 9:48
  you're
• 9:48
  struggling
• 9:48
  with
• 9:48
  something,
• 9:49
  you've
• 9:49
  got
• 9:49
  a
• 9:49
  question
• 9:49
  about
• 9:50
  something.
• 9:50
  I
• 9:50
  would
• 9:50
  love
• 9:51
  to
• 9:51
  hear
• 9:51
  your
• 9:51
  question
• 9:51
  so
• 9:51
  I
• 9:51
  can
• 9:52
  talk
• 9:52
  about
• 9:52
  it
• 9:52
  on
• 9:52
  the
• 9:52
  show.
• 9:53
  Because
• 9:53
  here's
• 9:53
  the
• 9:53
  thing.
• 9:53
  I'll
• 9:54
  guarantee
• 9:55
  the
• 9:55
  things
• 9:55
  that
• 9:55
  you're
• 9:56
  struggling
• 9:56
  with,
• 9:56
  there
• 9:57
  are
• 9:57
  other
• 9:57
  people
• 9:57
  struggling
• 9:58
  with
• 9:58
  that
• 9:58
  same
• 9:59
  thing.
• 9:59
  So
• 9:59
  share
• 10:00
  your
• 10:00
  question
• 10:00
  with
• 10:00
  me.
• 10:01
  Go
• 10:01
  to
• 10:02
  financiallyconfidentchristian.com/question
• 10:06
  We'll
• 10:06
  put
• 10:06
  a
• 10:06
  link
• 10:06
  in
• 10:07
  the
• 10:07
  show
• 10:07
  notes.
• 10:07
  But
• 10:07
  again,
• 10:08
  that's
• 10:08
  financiallyconfidentchristian.com/question
• 10:12
  Because
• 10:12
  I'd
• 10:13
  love
• 10:13
  to
• 10:13
  help
• 10:13
  you
• 10:13
  get
• 10:14
  started.
• 10:15
  Thank
• 10:15
  you
• 10:15
  so
• 10:15
  much
• 10:15
  for
• 10:16
  joining
• 10:16
  me
• 10:16
  today.
• 10:17
  I
• 10:17
  want
• 10:17
  to
• 10:18
  encourage
• 10:18
  you
• 10:18
  stay
• 10:18
  financially
• 10:19
  savvy.
• 10:20
  May
• 10:20
  God
• 10:20
  bless
• 10:21
  you
• 10:21
  and
• 10:22
  you
• 10:22
  have
• 10:22
  a
• 10:22
  great
• 10:23
  day
• 10:23
  today.