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Should You DIY Your Taxes or Hire a Pro? · Becoming Financially Confident

• 0:37
  File
• 0:38
  your
• 0:38
  taxes
• 0:38
  yourself
• 0:38
  or
• 0:39
  hire
• 0:39
  a
• 0:39
  professional.
• 0:40
  For
• 0:41
  some
• 0:41
  people,
• 0:41
  this
• 0:42
  decision
• 0:42
  feels
• 0:43
  obvious.
• 0:43
  Like,
• 0:43
  all
• 0:43
  right,
• 0:43
  I
• 0:44
  know
• 0:44
  exactly
• 0:44
  what
• 0:44
  I'm
• 0:44
  going
• 0:44
  to
• 0:45
  do,
• 0:45
  Ralph.
• 0:45
  But
• 0:46
  for
• 0:46
  others,
• 0:46
  it
• 0:47
  creates
• 0:47
  deep
• 0:48
  anxiety,
• 0:49
  and
• 0:49
  you
• 0:49
  start
• 0:49
  wondering,
• 0:50
  am
• 0:50
  I
• 0:50
  wasting
• 0:51
  money
• 0:51
  on
• 0:51
  help,
• 0:52
  or
• 0:52
  am
• 0:52
  I
• 0:52
  risking
• 0:53
  mistakes
• 0:53
  if
• 0:54
  I
• 0:54
  continue
• 0:54
  doing
• 0:54
  this
• 0:55
  alone?
• 0:55
  So,
• 0:56
  friend,
• 0:56
  this
• 0:56
  episode
• 0:57
  isn't
• 0:57
  about
• 0:57
  pushing
• 0:57
  you
• 0:58
  in
• 0:58
  one
• 0:58
  direction
• 0:59
  or
• 0:59
  the
• 0:59
  other.
• 0:59
  It's
• 1:00
  about
• 1:00
  helping
• 1:00
  you
• 1:00
  choose
• 1:01
  with
• 1:01
  clarity
• 1:02
  and
• 1:02
  peace.
• 1:03
  So
• 1:03
  let's
• 1:03
  match
• 1:04
  the
• 1:04
  method
• 1:04
  to
• 1:04
  your
• 1:05
  reality.
• 1:06
  Here's
• 1:06
  the
• 1:06
  question
• 1:07
  we're
• 1:07
  answering
• 1:07
  today.
• 1:08
  Should
• 1:08
  you
• 1:08
  do
• 1:08
  it
• 1:09
  yourself?
• 1:09
  Taxes,
• 1:10
  or
• 1:10
  is
• 1:10
  it
• 1:10
  time
• 1:11
  to
• 1:11
  hire
• 1:11
  a
• 1:11
  professional?
• 1:12
  And
• 1:12
  here's
• 1:12
  my
• 1:12
  promise
• 1:13
  for
• 1:13
  you.
• 1:13
  By
• 1:13
  the
• 1:14
  end
• 1:14
  of
• 1:14
  this
• 1:14
  episode,
• 1:15
  you're
• 1:15
  going
• 1:15
  to
• 1:15
  understand
• 1:15
  when
• 1:16
  doing
• 1:16
  yourself
• 1:17
  makes
• 1:17
  the
• 1:17
  most
• 1:17
  sense,
• 1:18
  when
• 1:18
  professional
• 1:19
  help
• 1:19
  is
• 1:19
  wise,
• 1:20
  and
• 1:20
  how
• 1:20
  peace
• 1:21
  of
• 1:21
  mind
• 1:21
  is
• 1:21
  a
• 1:22
  valid
• 1:22
  part
• 1:22
  of
• 1:22
  the
• 1:23
  decision.
• 1:23
  Today's
• 1:24
  not
• 1:24
  about
• 1:24
  pressure.
• 1:25
  It's
• 1:25
  not
• 1:25
  about
• 1:26
  guilt.
• 1:26
  It's
• 1:27
  about
• 1:27
  wisdom
• 1:28
  and
• 1:28
  confidence,
• 1:35
  Vision.
• 1:50
  Hey,
• 1:51
  friend.
• 1:51
  Ralph
• 1:51
  Estep
• 1:52
  Jr.
• 1:52
  Here.
• 1:52
  Welcome
• 1:53
  to
• 1:53
  Financially
• 1:53
  Confident
• 1:54
  Christian,
• 1:54
  where
• 1:55
  we
• 1:55
  learn
• 1:55
  how
• 1:55
  to
• 1:55
  walk
• 1:55
  through
• 1:56
  life
• 1:56
  and
• 1:56
  money
• 1:56
  with
• 1:57
  wisdom,
• 1:57
  with
• 1:58
  peace,
• 1:58
  and
• 1:59
  with
• 1:59
  a
• 1:59
  heart
• 1:59
  anchored
• 2:00
  in
• 2:00
  God's
• 2:00
  truth.
• 2:01
  My
• 2:01
  mission
• 2:01
  today
• 2:02
  is
• 2:02
  to
• 2:02
  help
• 2:02
  you
• 2:02
  break
• 2:02
  that
• 2:03
  cycle
• 2:03
  of
• 2:03
  financial
• 2:04
  shame
• 2:04
  and
• 2:04
  build
• 2:05
  steady
• 2:05
  habits
• 2:05
  rooted
• 2:06
  in
• 2:06
  faith,
• 2:06
  and
• 2:07
  become
• 2:08
  a
• 2:08
  financially
• 2:08
  confident
• 2:09
  Christian.
• 2:09
  And
• 2:09
  I'm
• 2:10
  so
• 2:10
  glad
• 2:10
  you're
• 2:10
  here
• 2:10
  today.
• 2:11
  Yesterday,
• 2:12
  we
• 2:12
  had
• 2:12
  a
• 2:12
  big
• 2:12
  discussion
• 2:13
  about
• 2:13
  deductions
• 2:14
  and
• 2:14
  credits.
• 2:15
  We
• 2:15
  had
• 2:15
  a
• 2:15
  basic
• 2:16
  understanding
• 2:17
  to
• 2:17
  help
• 2:17
  you
• 2:17
  make
• 2:17
  better
• 2:18
  decisions.
• 2:19
  Now
• 2:19
  today,
• 2:20
  we're
• 2:20
  going
• 2:20
  to
• 2:20
  do
• 2:20
  the
• 2:20
  next
• 2:21
  decision
• 2:21
  after
• 2:22
  understanding
• 2:22
  that.
• 2:23
  And
• 2:23
  that
• 2:23
  is
• 2:23
  who
• 2:24
  should
• 2:24
  actually
• 2:24
  file
• 2:25
  this.
• 2:25
  This
• 2:26
  is
• 2:26
  about
• 2:26
  fit,
• 2:26
  not
• 2:27
  about
• 2:27
  pride,
• 2:28
  choosing
• 2:28
  clarity
• 2:29
  and
• 2:29
  peace,
• 2:29
  not
• 2:29
  pressure.
• 2:30
  So
• 2:30
  let's
• 2:31
  walk
• 2:31
  through
• 2:31
  this
• 2:31
  together
• 2:32
  and
• 2:32
  decide.
• 2:33
  How
• 2:33
  do
• 2:33
  we
• 2:33
  make
• 2:33
  this
• 2:34
  decision?
• 2:35
  Here's
• 2:35
  a
• 2:35
  question
• 2:35
  every
• 2:36
  single
• 2:37
  tax
• 2:37
  season,
• 2:38
  Ralph,
• 2:39
  Am
• 2:39
  I
• 2:39
  okay
• 2:39
  doing
• 2:40
  this
• 2:40
  myself,
• 2:41
  or
• 2:41
  at
• 2:41
  what
• 2:41
  point
• 2:42
  should
• 2:42
  I
• 2:42
  hire
• 2:42
  somebody?
• 2:43
  Now,
• 2:43
  I'm
• 2:43
  gonna
• 2:43
  tell
• 2:43
  you
• 2:43
  right
• 2:44
  now,
• 2:44
  I'm
• 2:44
  biased
• 2:44
  because
• 2:45
  I'm
• 2:45
  the
• 2:45
  person
• 2:45
  you
• 2:45
  hire.
• 2:46
  And
• 2:47
  that
• 2:47
  question
• 2:47
  isn't
• 2:48
  about
• 2:48
  intelligence.
• 2:49
  It's
• 2:49
  about
• 2:50
  fit.
• 2:50
  If
• 2:51
  you've
• 2:51
  ever
• 2:51
  felt
• 2:52
  unsure,
• 2:52
  clicking
• 2:53
  submit
• 2:53
  on
• 2:53
  that
• 2:53
  return,
• 2:53
  you're
• 2:54
  doing
• 2:54
  yourself.
• 2:55
  You're
• 2:55
  just
• 2:55
  being
• 2:56
  responsible
• 2:57
  because
• 2:57
  you're
• 2:57
  worried
• 2:57
  you
• 2:57
  might
• 2:58
  be
• 2:58
  missing
• 2:58
  something.
• 2:59
  You
• 2:59
  wonder
• 2:59
  if
• 2:59
  help
• 3:00
  would
• 3:00
  have
• 3:00
  reduced
• 3:00
  that
• 3:01
  stress.
• 3:01
  And
• 3:01
  because
• 3:02
  you
• 3:02
  realize
• 3:02
  taxes
• 3:03
  have
• 3:03
  consequences.
• 3:04
  So
• 3:05
  it
• 3:05
  makes
• 3:05
  sense
• 3:05
  to
• 3:05
  pause
• 3:06
  before
• 3:06
  choosing,
• 3:07
  do
• 3:07
  I
• 3:07
  do
• 3:07
  it
• 3:07
  myself
• 3:08
  or
• 3:08
  do
• 3:08
  I
• 3:09
  hire
• 3:09
  somebody?
• 3:09
  Because
• 3:10
  in
• 3:10
  the
• 3:10
  end,
• 3:10
  this
• 3:11
  is
• 3:11
  about
• 3:11
  stewardship
• 3:12
  and
• 3:13
  not
• 3:13
  about
• 3:13
  overthinking
• 3:14
  you're
• 3:14
  being
• 3:14
  responsible.
• 3:15
  Here's
• 3:16
  something
• 3:16
  important
• 3:17
  to
• 3:17
  remember
• 3:17
  right
• 3:18
  from
• 3:18
  the
• 3:18
  beginning.
• 3:19
  There
• 3:19
  is
• 3:19
  no
• 3:20
  moral
• 3:20
  badge
• 3:21
  for
• 3:21
  doing
• 3:21
  taxes
• 3:22
  yourself.
• 3:23
  And
• 3:23
  there's
• 3:23
  no
• 3:23
  failure
• 3:24
  if
• 3:24
  you
• 3:24
  ask
• 3:24
  for
• 3:24
  help.
• 3:25
  A
• 3:25
  lot
• 3:25
  of
• 3:25
  men
• 3:25
  we
• 3:25
  don't
• 3:25
  like
• 3:25
  to
• 3:26
  ask
• 3:26
  for
• 3:26
  help,
• 3:26
  right?
• 3:26
  So
• 3:26
  we're
• 3:27
  like,
• 3:27
  oh,
• 3:27
  we're
• 3:27
  going
• 3:27
  to
• 3:27
  do
• 3:27
  it
• 3:28
  ourselves.
• 3:29
  But
• 3:29
  there's
• 3:29
  no
• 3:29
  moral
• 3:30
  badge
• 3:30
  for
• 3:30
  that.
• 3:31
  The
• 3:31
  right
• 3:32
  choice
• 3:32
  is
• 3:32
  the
• 3:32
  one
• 3:33
  that
• 3:33
  fits
• 3:33
  your
• 3:34
  situation
• 3:35
  and
• 3:35
  protects
• 3:35
  your
• 3:35
  peace.
• 3:36
  And
• 3:36
  here's
• 3:36
  the
• 3:36
  thing,
• 3:36
  spoiler
• 3:37
  alert.
• 3:37
  Sometimes
• 3:38
  you
• 3:38
  can
• 3:38
  do
• 3:38
  it
• 3:38
  yourself,
• 3:39
  but
• 3:39
  you
• 3:39
  might
• 3:39
  have
• 3:40
  something
• 3:40
  that
• 3:40
  happens
• 3:41
  in
• 3:41
  your
• 3:41
  life
• 3:41
  this
• 3:41
  year,
• 3:42
  which
• 3:42
  means
• 3:43
  you
• 3:43
  need
• 3:43
  to
• 3:43
  go
• 3:43
  find
• 3:43
  somebody.
• 3:44
  I
• 3:44
  see
• 3:44
  a
• 3:44
  lot
• 3:44
  of
• 3:44
  clients
• 3:45
  and
• 3:45
  I
• 3:45
  only
• 3:45
  see
• 3:45
  them
• 3:45
  every
• 3:45
  few
• 3:46
  years.
• 3:46
  So
• 3:47
  let's
• 3:47
  break
• 3:47
  this
• 3:47
  into
• 3:48
  simple
• 3:48
  categories,
• 3:49
  because
• 3:49
  I've
• 3:50
  seen
• 3:50
  this
• 3:50
  decision
• 3:51
  from
• 3:51
  every
• 3:51
  angle
• 3:52
  possible.
• 3:53
  Like
• 3:53
  I
• 3:53
  said,
• 3:53
  I've
• 3:53
  been
• 3:53
  doing
• 3:53
  taxes
• 3:54
  for
• 3:54
  30
• 3:54
  years.
• 3:55
  I've
• 3:55
  seen
• 3:55
  people
• 3:56
  who
• 3:56
  should
• 3:56
  have
• 3:57
  hired
• 3:57
  help
• 3:57
  and
• 3:57
  didn't,
• 3:58
  who
• 3:58
  turned
• 3:58
  into
• 3:58
  a
• 3:58
  train
• 3:59
  wreck.
• 3:59
  And
• 3:59
  I
• 4:00
  see
• 4:00
  people
• 4:00
  who
• 4:00
  paid
• 4:00
  for
• 4:01
  help
• 4:01
  when
• 4:01
  do
• 4:01
  it
• 4:02
  yourself
• 4:02
  would
• 4:02
  have
• 4:02
  been
• 4:03
  fine.
• 4:04
  The
• 4:04
  best
• 4:04
  outcomes
• 4:05
  happen
• 4:05
  when
• 4:05
  methods
• 4:06
  match
• 4:06
  reality,
• 4:07
  what
• 4:07
  happens
• 4:07
  on
• 4:07
  the
• 4:08
  ground.
• 4:08
  And
• 4:09
  like
• 4:09
  I
• 4:09
  said,
• 4:09
  this
• 4:09
  can
• 4:10
  change
• 4:10
  year
• 4:10
  to
• 4:10
  year.
• 4:11
  So
• 4:11
  let
• 4:12
  me
• 4:12
  give
• 4:12
  you
• 4:12
  a
• 4:12
  quick
• 4:13
  example.
• 4:14
  Person
• 4:14
  kept
• 4:15
  doing
• 4:15
  it
• 4:15
  yourself
• 4:15
  even
• 4:16
  though
• 4:16
  it
• 4:16
  stressed
• 4:17
  them
• 4:17
  out.
• 4:17
  I've
• 4:17
  met
• 4:17
  people
• 4:17
  that,
• 4:18
  like,
• 4:18
  they
• 4:19
  hate
• 4:19
  taxes,
• 4:20
  but
• 4:20
  they
• 4:20
  keep
• 4:20
  doing
• 4:21
  that.
• 4:21
  I
• 4:21
  don't
• 4:21
  want
• 4:22
  to
• 4:22
  spend
• 4:22
  any
• 4:22
  money.
• 4:22
  Rap.
• 4:23
  And
• 4:23
  they
• 4:23
  spend
• 4:23
  themselves
• 4:24
  crazy
• 4:25
  all
• 4:25
  weekend
• 4:25
  trying
• 4:26
  to
• 4:26
  learn
• 4:26
  the
• 4:26
  forms,
• 4:27
  trying
• 4:27
  to
• 4:27
  figure
• 4:27
  out
• 4:27
  software.
• 4:28
  Now,
• 4:28
  nothing
• 4:29
  went
• 4:29
  wrong,
• 4:30
  but
• 4:30
  nothing
• 4:30
  felt
• 4:31
  calm
• 4:31
  either.
• 4:32
  Do
• 4:32
  you
• 4:32
  know
• 4:32
  what
• 4:32
  they
• 4:32
  did
• 4:32
  the
• 4:33
  next
• 4:33
  year?
• 4:33
  They
• 4:33
  said,
• 4:33
  rap,
• 4:33
  I'm
• 4:34
  a
• 4:34
  hire
• 4:34
  pro.
• 4:34
  They
• 4:34
  came
• 4:34
  and
• 4:34
  they
• 4:35
  hired
• 4:35
  me.
• 4:35
  And
• 4:36
  the
• 4:36
  truth
• 4:36
  is,
• 4:36
  when
• 4:36
  I
• 4:37
  look
• 4:37
  at
• 4:37
  what
• 4:37
  they
• 4:37
  did
• 4:37
  versus
• 4:38
  what
• 4:38
  I
• 4:38
  did,
• 4:38
  there
• 4:38
  wasn't
• 4:39
  anything
• 4:39
  drastically
• 4:40
  different.
• 4:40
  But
• 4:41
  the
• 4:41
  experience,
• 4:41
  let
• 4:42
  me
• 4:42
  tell
• 4:42
  you
• 4:42
  right
• 4:42
  now,
• 4:42
  the
• 4:43
  experience
• 4:43
  was
• 4:43
  dramatically
• 4:44
  different.
• 4:44
  I
• 4:44
  never
• 4:44
  forget.
• 4:44
  Lady
• 4:45
  came
• 4:45
  across
• 4:45
  my
• 4:45
  desk,
• 4:46
  gave
• 4:46
  me
• 4:46
  a
• 4:46
  big
• 4:46
  hug,
• 4:46
  and
• 4:46
  she
• 4:47
  said,
• 4:47
  rob,
• 4:47
  I.
• 4:47
  I
• 4:47
  feel
• 4:47
  at
• 4:48
  peace
• 4:48
  this
• 4:48
  way.
• 4:48
  This
• 4:48
  was
• 4:49
  the
• 4:49
  best
• 4:49
  money
• 4:49
  I've
• 4:49
  ever
• 4:50
  spent.
• 4:51
  And
• 4:51
  that
• 4:51
  peace
• 4:52
  matters.
• 4:53
  See,
• 4:53
  sometimes
• 4:53
  the
• 4:54
  biggest
• 4:54
  return
• 4:54
  is
• 4:54
  not
• 4:55
  money.
• 4:55
  It's
• 4:56
  peace.
• 4:57
  So
• 4:57
  here's
• 4:57
  today's
• 4:58
  central
• 4:58
  question.
• 4:59
  What
• 4:59
  choice
• 5:00
  will
• 5:00
  give
• 5:00
  you
• 5:00
  clarity?
• 5:01
  What
• 5:01
  choice
• 5:01
  will
• 5:02
  give
• 5:02
  you
• 5:02
  confidence?
• 5:03
  And
• 5:03
  bigger
• 5:03
  than
• 5:04
  all
• 5:04
  those
• 5:04
  things,
• 5:04
  what
• 5:05
  choice
• 5:05
  is
• 5:05
  going
• 5:05
  to
• 5:05
  give
• 5:06
  you
• 5:06
  peace
• 5:06
  this
• 5:07
  tax
• 5:07
  season?
• 5:08
  Because,
• 5:08
  friend,
• 5:09
  that
• 5:09
  answer
• 5:10
  matters.
• 5:11
  Let's
• 5:12
  walk
• 5:12
  through
• 5:12
  this
• 5:12
  gently
• 5:13
  together.
• 5:13
  This
• 5:14
  isn't
• 5:14
  about
• 5:14
  right
• 5:15
  or
• 5:15
  wrong,
• 5:15
  and
• 5:15
  it's
• 5:16
  about
• 5:16
  fit.
• 5:17
  Now
• 5:17
  here's
• 5:17
  the
• 5:17
  start.
• 5:18
  I'm
• 5:18
  gonna
• 5:18
  start
• 5:18
  by
• 5:18
  saying
• 5:18
  this.
• 5:19
  Do
• 5:19
  it
• 5:19
  yourself
• 5:20
  can
• 5:20
  be
• 5:20
  a
• 5:20
  great
• 5:20
  option
• 5:21
  when
• 5:21
  your
• 5:21
  return
• 5:21
  is
• 5:22
  pretty
• 5:22
  straightforward.
• 5:23
  When
• 5:23
  your
• 5:23
  return
• 5:23
  is
• 5:24
  simple
• 5:24
  vanilla,
• 5:25
  you
• 5:25
  got
• 5:25
  one
• 5:25
  job,
• 5:26
  you
• 5:26
  got
• 5:27
  no
• 5:27
  side
• 5:27
  income,
• 5:28
  or
• 5:28
  maybe
• 5:28
  just
• 5:28
  a
• 5:28
  little
• 5:28
  thing,
• 5:29
  you
• 5:29
  got
• 5:29
  a
• 5:29
  couple
• 5:29
  deductions,
• 5:30
  maybe
• 5:30
  a
• 5:30
  couple
• 5:30
  credits,
• 5:31
  and
• 5:31
  you
• 5:31
  didn't
• 5:32
  have
• 5:32
  any
• 5:32
  major
• 5:32
  life
• 5:32
  changes.
• 5:33
  If
• 5:33
  your
• 5:34
  income's
• 5:34
  predictable,
• 5:35
  you
• 5:35
  got
• 5:35
  A
• 5:36
  familiar
• 5:36
  return
• 5:36
  year
• 5:37
  after
• 5:37
  year.
• 5:37
  Software
• 5:38
  can
• 5:38
  work
• 5:38
  well
• 5:38
  if
• 5:39
  you
• 5:39
  review
• 5:39
  it
• 5:39
  carefully.
• 5:40
  That's
• 5:40
  the
• 5:40
  thing
• 5:40
  I'm
• 5:40
  gonna
• 5:40
  say.
• 5:41
  Software
• 5:41
  can
• 5:42
  talk
• 5:42
  you
• 5:42
  into
• 5:42
  stuff
• 5:42
  you
• 5:43
  don't
• 5:43
  need
• 5:43
  to
• 5:43
  do.
• 5:44
  So
• 5:44
  pay
• 5:44
  attention
• 5:45
  to
• 5:45
  it.
• 5:45
  One
• 5:45
  of
• 5:45
  the
• 5:45
  big
• 5:46
  takeaways.
• 5:46
  Here's
• 5:46
  a
• 5:47
  little
• 5:47
  insider
• 5:47
  tip.
• 5:48
  Look
• 5:48
  at
• 5:48
  your
• 5:48
  return
• 5:48
  from
• 5:49
  last
• 5:49
  year,
• 5:49
  look
• 5:50
  at
• 5:50
  your
• 5:50
  return
• 5:50
  from
• 5:50
  this
• 5:50
  year.
• 5:51
  And
• 5:51
  if
• 5:51
  things
• 5:51
  are
• 5:52
  different,
• 5:52
  man,
• 5:53
  red
• 5:53
  flag.
• 5:53
  Go
• 5:54
  check
• 5:54
  it
• 5:54
  out
• 5:55
  and
• 5:55
  do
• 5:55
  it
• 5:55
  yourself
• 5:56
  isn't
• 5:56
  about
• 5:56
  being
• 5:56
  cheap,
• 5:57
  it's
• 5:57
  about
• 5:57
  simplicity.
• 5:59
  Now,
• 6:00
  professional
• 6:01
  is
• 6:01
  wise
• 6:02
  because
• 6:03
  there's
• 6:03
  value
• 6:04
  in
• 6:04
  that,
• 6:04
  especially
• 6:05
  as
• 6:06
  your
• 6:06
  complexity
• 6:07
  of
• 6:07
  your
• 6:07
  return
• 6:07
  increases.
• 6:08
  Why?
• 6:08
  I
• 6:08
  see
• 6:08
  a
• 6:09
  lot
• 6:09
  of
• 6:09
  people,
• 6:09
  I
• 6:09
  do
• 6:09
  a
• 6:09
  lot
• 6:10
  of
• 6:10
  complex
• 6:10
  returns.
• 6:11
  Complexity
• 6:12
  means
• 6:12
  self
• 6:12
  employment.
• 6:13
  Maybe
• 6:13
  you've
• 6:14
  got
• 6:14
  some
• 6:14
  freelance
• 6:15
  income,
• 6:15
  maybe
• 6:16
  you've
• 6:16
  got
• 6:16
  some
• 6:16
  business
• 6:17
  expenses,
• 6:17
  maybe
• 6:17
  you
• 6:17
  went
• 6:17
  out
• 6:18
  and
• 6:18
  bought
• 6:18
  a
• 6:18
  rental
• 6:18
  property
• 6:19
  or
• 6:19
  you've
• 6:19
  got
• 6:20
  some
• 6:20
  complicated
• 6:20
  investments.
• 6:21
  Another
• 6:21
  big
• 6:22
  thing
• 6:22
  is
• 6:23
  major
• 6:23
  life
• 6:23
  changes
• 6:24
  like
• 6:24
  marriage
• 6:25
  or
• 6:25
  divorce.
• 6:26
  Or
• 6:26
  maybe
• 6:26
  you
• 6:26
  moved.
• 6:27
  The
• 6:27
  more
• 6:28
  complexity,
• 6:29
  the
• 6:29
  higher
• 6:29
  risk
• 6:30
  of
• 6:30
  missing
• 6:30
  something.
• 6:31
  And
• 6:32
  a
• 6:32
  good
• 6:32
  pro
• 6:32
  doesn't
• 6:33
  just
• 6:33
  file.
• 6:34
  A
• 6:34
  good
• 6:35
  pro
• 6:35
  will
• 6:35
  explain
• 6:36
  things
• 6:36
  to
• 6:36
  you.
• 6:37
  They'll
• 6:37
  ask
• 6:37
  you
• 6:38
  questions
• 6:38
  and
• 6:39
  they
• 6:39
  help
• 6:39
  you
• 6:39
  think
• 6:39
  ahead.
• 6:39
  Listen,
• 6:40
  the
• 6:40
  truth
• 6:40
  is
• 6:41
  value
• 6:41
  is
• 6:41
  not
• 6:41
  in
• 6:42
  tax
• 6:42
  preparation,
• 6:43
  it's
• 6:43
  in
• 6:43
  tax
• 6:44
  planning.
• 6:44
  And
• 6:45
  that
• 6:45
  guidance
• 6:45
  that
• 6:46
  professionalism
• 6:47
  can
• 6:47
  save
• 6:47
  you
• 6:48
  money
• 6:48
  and
• 6:48
  save
• 6:49
  you
• 6:49
  stress.
• 6:50
  A
• 6:50
  good
• 6:50
  professional
• 6:51
  doesn't
• 6:51
  just
• 6:51
  file,
• 6:52
  they
• 6:52
  guide
• 6:53
  you.
• 6:54
  Peace
• 6:55
  of
• 6:55
  mind
• 6:56
  is
• 6:56
  part
• 6:56
  of
• 6:56
  the
• 6:56
  cost.
• 6:57
  Pace
• 6:58
  is
• 6:58
  not
• 6:58
  a
• 6:58
  luxury,
• 6:59
  it's
• 6:59
  a
• 6:59
  valid
• 7:00
  factor.
• 7:01
  Think
• 7:01
  about
• 7:01
  weeks
• 7:01
  of
• 7:02
  stress
• 7:02
  that
• 7:02
  cost
• 7:02
  you
• 7:03
  constant
• 7:04
  double
• 7:04
  checking.
• 7:05
  Is
• 7:05
  this
• 7:05
  return
• 7:05
  wrong?
• 7:06
  Am
• 7:06
  I
• 7:06
  going
• 7:06
  to
• 7:06
  get
• 7:06
  a
• 7:06
  notice
• 7:06
  from
• 7:07
  the
• 7:07
  irs
• 7:07
  Man,
• 7:07
  I
• 7:08
  usually
• 7:08
  get
• 7:08
  more
• 7:08
  back.
• 7:09
  Well,
• 7:10
  if
• 7:10
  you're
• 7:10
  feeling
• 7:10
  that
• 7:10
  anxiety,
• 7:11
  that
• 7:12
  is
• 7:12
  a
• 7:12
  signal
• 7:12
  worth
• 7:13
  listening
• 7:13
  to.
• 7:14
  Because
• 7:14
  sometimes
• 7:15
  the
• 7:15
  best
• 7:15
  return,
• 7:16
  like
• 7:16
  I
• 7:16
  said
• 7:16
  earlier,
• 7:17
  is
• 7:17
  confidence.
• 7:18
  You
• 7:19
  don't
• 7:19
  have
• 7:19
  to
• 7:19
  make
• 7:19
  the
• 7:19
  same
• 7:19
  choice
• 7:20
  every
• 7:20
  year
• 7:20
  either.
• 7:21
  Sometimes
• 7:22
  you
• 7:22
  have
• 7:22
  a
• 7:22
  season
• 7:22
  where
• 7:23
  to
• 7:23
  do
• 7:23
  it
• 7:23
  yourself.
• 7:23
  I
• 7:23
  forgot
• 7:24
  I
• 7:24
  didn't
• 7:24
  have
• 7:24
  any
• 7:24
  complications.
• 7:25
  Like
• 7:25
  I
• 7:25
  said,
• 7:25
  in
• 7:26
  my
• 7:26
  own
• 7:26
  practice,
• 7:26
  I
• 7:26
  see
• 7:27
  this
• 7:27
  all
• 7:27
  the
• 7:27
  time.
• 7:28
  I
• 7:28
  might
• 7:28
  have
• 7:28
  a
• 7:28
  client
• 7:28
  that
• 7:29
  comes
• 7:29
  in.
• 7:29
  If
• 7:29
  they
• 7:29
  bought
• 7:29
  or
• 7:30
  sold
• 7:30
  a
• 7:30
  house,
• 7:30
  or
• 7:31
  maybe
• 7:31
  they
• 7:31
  got
• 7:31
  married
• 7:31
  or
• 7:32
  divorced,
• 7:32
  they
• 7:32
  had
• 7:32
  a
• 7:32
  child,
• 7:33
  something
• 7:33
  unusual
• 7:34
  happens.
• 7:35
  But
• 7:36
  for
• 7:36
  other
• 7:36
  years,
• 7:36
  and
• 7:36
  I've
• 7:37
  even
• 7:37
  said
• 7:37
  this
• 7:37
  to
• 7:37
  clients,
• 7:38
  I
• 7:38
  said,
• 7:38
  you
• 7:38
  know,
• 7:38
  you
• 7:38
  can
• 7:38
  really
• 7:38
  do
• 7:39
  this
• 7:39
  yourself,
• 7:39
  it's
• 7:39
  really
• 7:39
  simple.
• 7:40
  Now
• 7:40
  sometimes
• 7:40
  I'll
• 7:41
  say
• 7:41
  to
• 7:41
  the
• 7:41
  clients,
• 7:41
  you're
• 7:41
  like
• 7:41
  Ralph,
• 7:42
  but
• 7:42
  yeah,
• 7:42
  you
• 7:42
  don't
• 7:43
  understand
• 7:43
  the
• 7:43
  confidence
• 7:43
  that
• 7:44
  comes
• 7:44
  here.
• 7:44
  I
• 7:44
  don't
• 7:44
  have
• 7:44
  to
• 7:44
  worry
• 7:45
  about
• 7:45
  it.
• 7:46
  Sometimes
• 7:46
  though,
• 7:47
  things
• 7:47
  are
• 7:47
  complicated,
• 7:48
  your
• 7:48
  wisdom
• 7:49
  has
• 7:49
  to
• 7:49
  adapt
• 7:50
  to
• 7:50
  that.
• 7:50
  The
• 7:50
  long
• 7:51
  term
• 7:51
  goal
• 7:51
  is
• 7:52
  peace
• 7:52
  and
• 7:52
  stewardship,
• 7:53
  not
• 7:54
  tradition.
• 7:55
  Let's
• 7:55
  get
• 7:55
  right
• 7:55
  to
• 7:56
  our
• 7:56
  Bible
• 7:56
  verse
• 7:56
  today.
• 7:57
  It
• 7:57
  comes
• 7:57
  to
• 7:57
  us
• 7:57
  from
• 7:58
  Proverbs,
• 7:58
  chapter
• 7:59
  15,
• 7:59
  verse
• 8:00
  22.
• 8:00
  And
• 8:01
  I've
• 8:01
  used
• 8:01
  this
• 8:01
  on
• 8:01
  the
• 8:01
  show
• 8:02
  many
• 8:02
  times.
• 8:02
  It
• 8:02
  says
• 8:02
  this
• 8:03
  Plans
• 8:03
  fail
• 8:04
  for
• 8:04
  lack
• 8:04
  of
• 8:04
  counsel,
• 8:05
  but
• 8:05
  with
• 8:05
  many
• 8:06
  advisors,
• 8:07
  they
• 8:07
  succeed.
• 8:08
  Friends,
• 8:09
  seeking
• 8:09
  help
• 8:10
  isn't
• 8:10
  weakness.
• 8:11
  So
• 8:11
  many
• 8:12
  people
• 8:12
  say,
• 8:12
  well,
• 8:12
  if
• 8:12
  I
• 8:12
  get
• 8:12
  somebody
• 8:13
  to
• 8:13
  help
• 8:13
  me,
• 8:13
  I
• 8:13
  should
• 8:13
  be
• 8:13
  able
• 8:13
  to
• 8:14
  figure
• 8:14
  this
• 8:14
  out.
• 8:14
  Taxes
• 8:14
  are
• 8:15
  something
• 8:15
  I
• 8:15
  should
• 8:15
  be
• 8:15
  able
• 8:15
  to
• 8:15
  do
• 8:16
  on
• 8:16
  my
• 8:16
  own.
• 8:16
  No,
• 8:17
  seeking
• 8:18
  help
• 8:18
  is
• 8:18
  not
• 8:18
  weakness,
• 8:19
  it's
• 8:19
  wisdom.
• 8:21
  Counsel
• 8:21
  doesn't
• 8:21
  remove
• 8:22
  the
• 8:22
  responsibility.
• 8:23
  You
• 8:23
  still
• 8:23
  have
• 8:23
  the
• 8:24
  responsibility.
• 8:24
  But
• 8:25
  it
• 8:25
  strengthens
• 8:25
  a
• 8:26
  decision
• 8:26
  making
• 8:26
  process.
• 8:27
  And
• 8:28
  sometimes,
• 8:28
  more
• 8:29
  often
• 8:29
  than
• 8:29
  not,
• 8:30
  counsel
• 8:30
  prevents
• 8:31
  expensive
• 8:31
  mistakes
• 8:31
  that
• 8:32
  happen
• 8:32
  later
• 8:32
  on.
• 8:33
  And
• 8:33
  peace
• 8:34
  can
• 8:34
  be
• 8:34
  a
• 8:34
  sign
• 8:34
  that
• 8:35
  you've
• 8:35
  chosen
• 8:35
  wisely.
• 8:36
  Again,
• 8:37
  seeking
• 8:37
  help
• 8:38
  is
• 8:38
  wisdom.
• 8:39
  So
• 8:39
  here's
• 8:40
  your
• 8:40
  simple
• 8:40
  step
• 8:40
  for
• 8:40
  today.
• 8:41
  I
• 8:41
  want
• 8:41
  you
• 8:41
  to
• 8:41
  write
• 8:41
  down
• 8:42
  two
• 8:42
  things.
• 8:42
  I
• 8:43
  want
• 8:43
  you
• 8:43
  to
• 8:43
  write
• 8:43
  down
• 8:43
  your
• 8:44
  income
• 8:44
  sources
• 8:45
  and
• 8:45
  then
• 8:45
  I
• 8:45
  want
• 8:45
  you
• 8:45
  to
• 8:46
  write
• 8:46
  down
• 8:46
  your
• 8:46
  comfort
• 8:47
  level
• 8:47
  with
• 8:47
  filing
• 8:48
  and
• 8:48
  then
• 8:48
  ask
• 8:48
  you
• 8:48
  something
• 8:49
  this
• 8:50
  does
• 8:50
  do
• 8:50
  it
• 8:50
  yourself.
• 8:51
  Give
• 8:51
  me
• 8:51
  confidence
• 8:52
  or
• 8:52
  anxiety.
• 8:53
  It's
• 8:53
  really
• 8:53
  that
• 8:54
  simple.
• 8:54
  Does
• 8:54
  doing
• 8:55
  it
• 8:55
  yourself
• 8:55
  give
• 8:55
  me
• 8:56
  confidence
• 8:56
  or
• 8:56
  anxiety?
• 8:57
  And
• 8:57
  once
• 8:57
  you
• 8:58
  have
• 8:58
  that
• 8:58
  answer,
• 8:59
  let
• 8:59
  that
• 8:59
  answer
• 9:00
  guide
• 9:00
  you
• 9:00
  because
• 9:01
  that's
• 9:01
  what
• 9:01
  really
• 9:01
  is
• 9:02
  the
• 9:02
  decision.
• 9:02
  It's
• 9:02
  all
• 9:02
  about
• 9:03
  peace
• 9:03
  and
• 9:04
  not
• 9:04
  living
• 9:04
  in
• 9:05
  anxiety.
• 9:06
  Well,
• 9:06
  how
• 9:06
  about
• 9:06
  we
• 9:06
  pray
• 9:07
  together?
• 9:08
  Lord,
• 9:08
  thank
• 9:08
  you
• 9:08
  for
• 9:09
  wisdom
• 9:09
  in
• 9:09
  decisions.
• 9:10
  And
• 9:11
  Lord,
• 9:11
  with
• 9:11
  this
• 9:11
  question
• 9:11
  today,
• 9:12
  help
• 9:12
  us
• 9:12
  choose
• 9:13
  wisely,
• 9:13
  whether
• 9:13
  that
• 9:13
  means
• 9:14
  doing
• 9:14
  it
• 9:14
  ourselves
• 9:15
  or
• 9:15
  actually
• 9:16
  seeking
• 9:16
  counseling.
• 9:17
  Give
• 9:17
  us
• 9:18
  clarity,
• 9:18
  Lord.
• 9:18
  Give
• 9:19
  us
• 9:19
  peace
• 9:20
  and
• 9:20
  guide
• 9:20
  us
• 9:20
  with
• 9:21
  every
• 9:21
  step
• 9:21
  we
• 9:21
  take.
• 9:22
  And
• 9:22
  we
• 9:22
  ask
• 9:22
  this
• 9:23
  in
• 9:23
  Jesus
• 9:23
  name,
• 9:24
  Amen.
• 9:26
  Friend,
• 9:26
  if
• 9:26
  money
• 9:27
  shame
• 9:27
  has
• 9:27
  been
• 9:27
  stealing
• 9:28
  your
• 9:28
  peace,
• 9:29
  I
• 9:29
  want
• 9:29
  you
• 9:30
  to
• 9:30
  hear
• 9:30
  this
• 9:30
  clearly.
• 9:31
  There
• 9:31
  is
• 9:32
  a
• 9:32
  better
• 9:32
  way.
• 9:33
  My
• 9:33
  latest
• 9:34
  book
• 9:34
  is
• 9:34
  called
• 9:34
  how
• 9:34
  to
• 9:34
  Become
• 9:35
  a
• 9:35
  Financially
• 9:35
  Confident
• 9:36
  Christian.
• 9:36
  It's
• 9:36
  a
• 9:36
  book
• 9:37
  about
• 9:37
  peace
• 9:37
  and
• 9:37
  direction
• 9:38
  and
• 9:38
  learning
• 9:39
  to
• 9:39
  trust
• 9:39
  God
• 9:40
  again
• 9:40
  with
• 9:40
  your
• 9:40
  finances.
• 9:42
  It's
• 9:42
  not
• 9:42
  a
• 9:42
  book
• 9:42
  about
• 9:43
  shame
• 9:43
  or
• 9:43
  pressure.
• 9:44
  It's
• 9:44
  about
• 9:44
  just
• 9:44
  that
• 9:45
  next
• 9:45
  logical
• 9:45
  step.
• 9:46
  And
• 9:46
  I
• 9:46
  want
• 9:46
  to
• 9:46
  encourage
• 9:46
  you
• 9:46
  to
• 9:47
  get
• 9:47
  a
• 9:47
  copy
• 9:47
  today
• 9:49
  at
• 9:50
  financiallyconfidentchristian.com/becoming
• 9:51
  again.
• 9:52
  That's
• 9:52
  financiallyconfidentchristian.com/becoming
• 9:56
  friend
• 9:57
  today.
• 9:57
  As
• 9:57
  I
• 9:57
  wrap
• 9:57
  this
• 9:58
  up,
• 9:58
  the
• 9:58
  goal
• 9:59
  isn't
• 9:59
  perfection,
• 10:00
  it's
• 10:01
  peace.
• 10:02
  And
• 10:02
  when
• 10:02
  you
• 10:02
  choose
• 10:03
  wisely,
• 10:03
  tax
• 10:04
  season
• 10:04
  just
• 10:04
  feels
• 10:05
  lighter.
• 10:06
  You're
• 10:06
  not
• 10:06
  behind.
• 10:07
  You're
• 10:07
  being
• 10:07
  thoughtful
• 10:08
  now.
• 10:08
  Tomorrow,
• 10:09
  let's
• 10:09
  talk
• 10:09
  about
• 10:10
  how
• 10:10
  to
• 10:10
  avoid
• 10:10
  a
• 10:10
  big
• 10:11
  tax
• 10:11
  bill
• 10:11
  next
• 10:12
  year
• 10:12
  by
• 10:12
  starting
• 10:13
  now.
• 10:13
  Going
• 10:13
  to
• 10:13
  be
• 10:13
  a
• 10:14
  great
• 10:14
  show
• 10:14
  tomorrow.
• 10:14
  And
• 10:15
  if
• 10:15
  today's
• 10:15
  episode
• 10:16
  helped
• 10:16
  you
• 10:16
  share
• 10:16
  it
• 10:17
  with
• 10:17
  someone
• 10:17
  else
• 10:17
  who
• 10:17
  might
• 10:17
  be
• 10:18
  thinking
• 10:18
  about
• 10:18
  doing
• 10:18
  it
• 10:19
  themselves
• 10:19
  versus
• 10:19
  hiring
• 10:20
  professional
• 10:20
  help,
• 10:20
  just
• 10:21
  send
• 10:21
  them
• 10:21
  a
• 10:21
  link
• 10:21
  to
• 10:21
  the
• 10:22
  show.
• 10:22
  Because
• 10:22
  this
• 10:23
  show
• 10:23
  is
• 10:23
  not
• 10:23
  about
• 10:23
  financial
• 10:24
  shame.
• 10:25
  It's
• 10:25
  about
• 10:25
  walking
• 10:26
  in
• 10:26
  wisdom,
• 10:26
  staying
• 10:27
  steady
• 10:28
  and
• 10:28
  truly
• 10:28
  becoming
• 10:29
  a
• 10:29
  financially
• 10:30
  confident
• 10:30
  Christian.
• 10:31
  God
• 10:31
  bless
• 10:32
  you,
• 10:32
  friend,
• 10:32
  and
• 10:32
  make
• 10:32
  sure
• 10:33
  you
• 10:33
  join
• 10:33
  me
• 10:33
  again
• 10:33
  on
• 10:33
  tomorrow's
• 10:34
  show.