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How Do You Cut Expenses Without Feeling Deprived? · Becoming Financially Confident

• 1:20
  Most
• 1:20
  people
• 1:21
  think
• 1:21
  budgeting
• 1:21
  means
• 1:22
  eating
• 1:22
  beans
• 1:22
  and
• 1:22
  rice
• 1:23
  in
• 1:23
  the
• 1:23
  dark
• 1:24
  while
• 1:24
  you're
• 1:24
  wearing
• 1:25
  a
• 1:25
  sweater
• 1:26
  because
• 1:26
  you're
• 1:26
  too
• 1:26
  cheap
• 1:27
  to
• 1:27
  turn
• 1:27
  on
• 1:27
  the
• 1:27
  heat.
• 1:29
  Guess
• 1:29
  what?
• 1:30
  That's
• 1:30
  not
• 1:31
  budgeting.
• 1:31
  That's
• 1:32
  torture.
• 1:33
  And
• 1:34
  if
• 1:34
  you're
• 1:34
  afraid
• 1:34
  to
• 1:35
  look
• 1:35
  at
• 1:35
  your
• 1:35
  bank
• 1:35
  statement
• 1:36
  because
• 1:36
  you
• 1:37
  think
• 1:37
  fixing
• 1:37
  your
• 1:37
  finances
• 1:38
  means
• 1:38
  giving
• 1:38
  up
• 1:39
  everything
• 1:39
  that
• 1:39
  brings
• 1:40
  you
• 1:40
  joy,
• 1:41
  you've
• 1:41
  been
• 1:41
  sold
• 1:42
  a
• 1:42
  lie,
• 1:43
  and
• 1:44
  today
• 1:44
  I
• 1:45
  want
• 1:45
  to
• 1:45
  break
• 1:45
  the
• 1:45
  lie
• 1:45
  down.
• 1:46
  I'm
• 1:46
  going
• 1:46
  to
• 1:46
  teach
• 1:46
  you
• 1:46
  how
• 1:47
  to
• 1:47
  cut
• 1:47
  the
• 1:47
  waste
• 1:48
  without
• 1:48
  cutting
• 1:49
  the
• 1:49
  happiness.
• 2:11
  Hey,
• 2:12
  friend.
• 2:12
  Ralph
• 2:13
  Estep
• 2:13
  Jr.
• 2:13
  Here.
• 2:14
  You've
• 2:14
  joined
• 2:15
  me
• 2:15
  for
• 2:15
  Financially
• 2:16
  Confident
• 2:16
  Christian,
• 2:17
  where
• 2:17
  every
• 2:17
  day
• 2:18
  we
• 2:18
  try
• 2:18
  to
• 2:18
  break
• 2:18
  that
• 2:19
  cycle
• 2:19
  of
• 2:19
  financial
• 2:20
  shame
• 2:21
  and
• 2:21
  do
• 2:21
  it
• 2:21
  with
• 2:21
  confidence.
• 2:23
  And
• 2:23
  today's
• 2:23
  show
• 2:24
  is
• 2:24
  something
• 2:24
  that
• 2:25
  all
• 2:25
  of
• 2:25
  us
• 2:25
  can
• 2:25
  learn
• 2:26
  from,
• 2:26
  and
• 2:26
  that's
• 2:26
  cutting
• 2:27
  cost
• 2:27
  without
• 2:28
  losing
• 2:28
  your
• 2:28
  mind,
• 2:29
  without
• 2:29
  feeling
• 2:29
  deprived.
• 2:31
  Let's
• 2:31
  get
• 2:31
  right
• 2:31
  into
• 2:31
  today's
• 2:32
  listener
• 2:32
  question.
• 2:34
  Ralph,
• 2:34
  I'm
• 2:35
  trying
• 2:35
  to
• 2:35
  cut
• 2:35
  back,
• 2:37
  but
• 2:37
  it
• 2:37
  feels
• 2:37
  like
• 2:37
  I'm
• 2:38
  the
• 2:38
  only
• 2:38
  one
• 2:38
  suffering
• 2:39
  here.
• 2:40
  I'm
• 2:40
  saying
• 2:40
  no
• 2:41
  to
• 2:41
  every
• 2:41
  little
• 2:42
  thing.
• 2:42
  I'm
• 2:42
  saying
• 2:43
  no
• 2:43
  to
• 2:43
  coffee
• 2:44
  and
• 2:44
  lunch
• 2:44
  out
• 2:44
  and
• 2:45
  anything
• 2:45
  enjoyable,
• 2:47
  and
• 2:48
  it's
• 2:48
  making
• 2:48
  me
• 2:48
  angry.
• 2:50
  I
• 2:50
  don't
• 2:50
  want
• 2:50
  to
• 2:51
  be
• 2:51
  reckless,
• 2:52
  but
• 2:52
  I
• 2:52
  also
• 2:52
  can't
• 2:53
  keep
• 2:53
  living
• 2:54
  like
• 2:54
  life
• 2:54
  is
• 2:54
  nothing
• 2:55
  but
• 2:55
  bills
• 2:55
  and
• 2:56
  guilt.
• 2:57
  How
• 2:57
  do
• 2:58
  I
• 2:58
  cut
• 2:58
  expenses
• 2:59
  without
• 2:59
  feeling
• 2:59
  deprived
• 3:00
  and
• 3:00
  resentful?
• 3:03
  Wow,
• 3:03
  you
• 3:03
  knocked
• 3:04
  that
• 3:04
  question
• 3:04
  out
• 3:04
  of
• 3:04
  the
• 3:05
  park.
• 3:07
  Kind
• 3:07
  of
• 3:07
  feels
• 3:07
  like
• 3:07
  a
• 3:08
  diet
• 3:08
  discussion,
• 3:08
  doesn't
• 3:09
  it?
• 3:10
  Had
• 3:10
  to
• 3:10
  keep
• 3:10
  moving
• 3:11
  forward
• 3:11
  without
• 3:11
  feeling
• 3:12
  that
• 3:12
  resentful.
• 3:13
  So
• 3:13
  today's
• 3:13
  big
• 3:13
  idea
• 3:14
  is
• 3:14
  cutting
• 3:14
  expenses
• 3:15
  isn't
• 3:16
  punishment.
• 3:17
  We
• 3:17
  gotta
• 3:17
  lay
• 3:18
  the
• 3:18
  groundwork
• 3:18
  right
• 3:18
  there.
• 3:19
  It's
• 3:19
  permission
• 3:20
  to
• 3:20
  spend
• 3:20
  on
• 3:20
  what
• 3:21
  truly
• 3:21
  matters.
• 3:23
  Which
• 3:23
  is
• 3:23
  why
• 3:24
  we've
• 3:24
  got
• 3:24
  to
• 3:24
  change
• 3:24
  the
• 3:25
  mindset
• 3:25
  right
• 3:26
  from
• 3:26
  the
• 3:26
  beginning.
• 3:26
  This
• 3:27
  is
• 3:27
  where
• 3:27
  we
• 3:27
  got
• 3:27
  to
• 3:27
  start.
• 3:28
  This
• 3:28
  budgeting
• 3:29
  is
• 3:29
  a
• 3:30
  choice,
• 3:31
  not
• 3:31
  a
• 3:31
  restriction.
• 3:33
  Friend
• 3:33
  of
• 3:33
  mine
• 3:33
  calls
• 3:34
  it
• 3:34
  an
• 3:34
  intentional
• 3:35
  spending
• 3:35
  plan.
• 3:35
  I
• 3:36
  love
• 3:36
  that
• 3:36
  one.
• 3:37
  Well,
• 3:38
  you
• 3:38
  got
• 3:38
  to
• 3:38
  start
• 3:38
  by
• 3:38
  swapping
• 3:39
  the
• 3:39
  I
• 3:39
  can't.
• 3:40
  So
• 3:40
  many
• 3:40
  of
• 3:40
  us
• 3:41
  live
• 3:41
  in
• 3:41
  the
• 3:41
  I
• 3:41
  can't.
• 3:43
  I
• 3:43
  can't
• 3:43
  do
• 3:44
  this.
• 3:44
  I
• 3:45
  can't
• 3:45
  do
• 3:45
  that.
• 3:46
  Change
• 3:47
  your
• 3:47
  mindset.
• 3:49
  Change
• 3:49
  it
• 3:49
  to
• 3:49
  I
• 3:50
  choose
• 3:50
  not
• 3:50
  to,
• 3:51
  so
• 3:52
  I.
• 3:52
  Can
• 3:54
  you
• 3:54
  see
• 3:54
  the
• 3:54
  difference
• 3:55
  there?
• 3:56
  Not,
• 3:56
  I
• 3:56
  can't,
• 3:58
  but
• 3:58
  I
• 3:58
  choose
• 3:58
  not
• 3:58
  to,
• 3:59
  so
• 3:59
  I
• 4:00
  can
• 4:01
  see
• 4:01
  that
• 4:01
  deprivation
• 4:03
  that
• 4:03
  comes
• 4:03
  from
• 4:04
  feeling
• 4:04
  trapped.
• 4:06
  If
• 4:06
  you
• 4:06
  feel
• 4:07
  trapped,
• 4:08
  you
• 4:08
  will
• 4:08
  live
• 4:08
  in
• 4:09
  deprivation
• 4:09
  that
• 4:09
  is
• 4:10
  just
• 4:10
  a
• 4:10
  factual
• 4:11
  truth,
• 4:12
  but
• 4:13
  a
• 4:13
  plan,
• 4:14
  an
• 4:14
  intentional
• 4:15
  idea
• 4:16
  that
• 4:17
  gives
• 4:17
  you
• 4:17
  power.
• 4:18
  Because
• 4:18
  when
• 4:19
  you
• 4:19
  have
• 4:19
  the
• 4:19
  power,
• 4:19
  guess
• 4:19
  what
• 4:20
  happens?
• 4:20
  You're
• 4:21
  the
• 4:21
  boss
• 4:21
  of
• 4:22
  your
• 4:22
  money.
• 4:22
  You're
• 4:23
  not
• 4:23
  a
• 4:23
  victim
• 4:23
  of
• 4:24
  it.
• 4:24
  You
• 4:24
  want
• 4:24
  to
• 4:24
  be
• 4:24
  the
• 4:24
  boss
• 4:25
  of
• 4:25
  your
• 4:25
  money,
• 4:26
  have
• 4:26
  a
• 4:26
  plan.
• 4:28
  But
• 4:28
  now
• 4:28
  you're
• 4:29
  thinking,
• 4:29
  okay,
• 4:29
  Ralph,
• 4:29
  how
• 4:29
  do
• 4:29
  I
• 4:29
  make
• 4:30
  that
• 4:30
  happen?
• 4:30
  I'm
• 4:30
  going
• 4:30
  to
• 4:30
  give
• 4:30
  you
• 4:31
  some
• 4:31
  real
• 4:31
  practical
• 4:31
  advice
• 4:32
  here.
• 4:33
  First
• 4:33
  thing
• 4:33
  I'm
• 4:34
  going
• 4:34
  to
• 4:34
  encourage
• 4:34
  you
• 4:34
  to
• 4:34
  do,
• 4:34
  do
• 4:35
  a
• 4:35
  30
• 4:35
  day
• 4:36
  money
• 4:36
  leak
• 4:36
  audit
• 4:37
  on
• 4:37
  paper.
• 4:38
  Now
• 4:39
  you're
• 4:39
  saying,
• 4:39
  Ralph,
• 4:39
  you're
• 4:40
  an
• 4:40
  accountant.
• 4:40
  You
• 4:40
  know
• 4:40
  what
• 4:40
  an
• 4:41
  office
• 4:41
  in
• 4:41
  an
• 4:41
  audit
• 4:42
  looks
• 4:42
  like.
• 4:42
  Let
• 4:42
  me
• 4:42
  lay
• 4:43
  it
• 4:43
  out
• 4:43
  for
• 4:43
  you.
• 4:43
  It's
• 4:43
  not
• 4:44
  complicated.
• 4:46
  Truth
• 4:46
  is,
• 4:46
  you
• 4:46
  can
• 4:47
  never
• 4:47
  slay
• 4:47
  a
• 4:48
  monster
• 4:48
  that
• 4:48
  you
• 4:48
  can't
• 4:49
  see.
• 4:51
  Remember
• 4:51
  as
• 4:51
  a
• 4:51
  kid
• 4:52
  I
• 4:52
  used
• 4:52
  to
• 4:52
  be
• 4:52
  worried
• 4:52
  about
• 4:52
  that
• 4:53
  monster.
• 4:53
  Live
• 4:53
  under
• 4:53
  the
• 4:54
  bed
• 4:54
  or
• 4:54
  lived
• 4:54
  in
• 4:54
  the
• 4:54
  closet,
• 4:56
  never
• 4:56
  seen
• 4:57
  that
• 4:57
  monster
• 4:57
  come
• 4:58
  out.
• 4:59
  But
• 4:59
  for
• 4:59
  so
• 4:59
  many
• 4:59
  of
• 5:00
  us
• 5:00
  with
• 5:01
  our
• 5:01
  money,
• 5:02
  there's
• 5:02
  monsters
• 5:03
  there.
• 5:04
  But
• 5:05
  we've
• 5:05
  never
• 5:05
  looked
• 5:05
  for
• 5:06
  them,
• 5:06
  never
• 5:07
  looked
• 5:07
  at
• 5:07
  the
• 5:07
  leaks.
• 5:08
  So
• 5:08
  here's
• 5:09
  one
• 5:09
  thing
• 5:09
  you
• 5:09
  can
• 5:09
  do,
• 5:09
  some
• 5:10
  real
• 5:10
  practical
• 5:10
  advice.
• 5:11
  Print
• 5:11
  or
• 5:12
  pull
• 5:12
  the
• 5:12
  list
• 5:12
  30
• 5:13
  days
• 5:13
  of
• 5:14
  your
• 5:14
  bank
• 5:14
  statement
• 5:14
  and
• 5:15
  your
• 5:15
  credit
• 5:15
  card
• 5:16
  statement
• 5:16
  and
• 5:17
  highlight
• 5:17
  every
• 5:18
  single
• 5:18
  non
• 5:19
  essential
• 5:19
  spending
• 5:20
  line.
• 5:21
  Now
• 5:21
  I'm
• 5:22
  not
• 5:22
  talking
• 5:22
  about
• 5:22
  the
• 5:22
  essential
• 5:23
  things,
• 5:23
  you
• 5:23
  know,
• 5:23
  food,
• 5:24
  clothing,
• 5:24
  shelter,
• 5:25
  utilities.
• 5:26
  I'm
• 5:26
  talking
• 5:27
  about
• 5:27
  the
• 5:27
  little
• 5:27
  $5
• 5:28
  here,
• 5:29
  the
• 5:29
  $12
• 5:30
  there,
• 5:30
  the
• 5:30
  coffees,
• 5:31
  the
• 5:31
  little
• 5:32
  treating
• 5:32
  yourself
• 5:33
  things,
• 5:33
  all
• 5:34
  that
• 5:34
  money
• 5:34
  that
• 5:34
  disappeared
• 5:35
  quietly.
• 5:36
  But
• 5:37
  print
• 5:37
  that
• 5:37
  out
• 5:37
  and
• 5:38
  just
• 5:38
  highlight
• 5:39
  that
• 5:39
  thing.
• 5:39
  Just
• 5:39
  go
• 5:40
  through.
• 5:40
  Because
• 5:40
  you're
• 5:40
  going
• 5:40
  to
• 5:41
  be
• 5:41
  surprised
• 5:41
  at
• 5:41
  how
• 5:41
  many
• 5:41
  things
• 5:42
  there
• 5:42
  are.
• 5:43
  And
• 5:44
  then
• 5:44
  the
• 5:44
  first
• 5:44
  thing
• 5:44
  you
• 5:44
  can
• 5:44
  do,
• 5:45
  if
• 5:45
  you
• 5:45
  don't
• 5:45
  want
• 5:45
  to
• 5:45
  feel
• 5:45
  deprivation,
• 5:47
  cut
• 5:47
  what
• 5:47
  you
• 5:47
  don't
• 5:47
  even
• 5:47
  notice
• 5:48
  before
• 5:49
  you
• 5:49
  cut
• 5:49
  what
• 5:49
  you
• 5:49
  love.
• 5:50
  See,
• 5:50
  if
• 5:50
  you
• 5:50
  start
• 5:51
  off
• 5:51
  with,
• 5:51
  I'm
• 5:52
  going
• 5:52
  to
• 5:52
  cut
• 5:52
  the
• 5:52
  things
• 5:53
  that
• 5:53
  I
• 5:53
  see
• 5:53
  right
• 5:54
  away,
• 5:54
  you're
• 5:55
  going
• 5:55
  to
• 5:55
  get
• 5:55
  yourself
• 5:55
  into
• 5:57
  deprivation
• 5:57
  land.
• 5:59
  But
• 5:59
  think
• 6:00
  about
• 6:00
  those
• 6:00
  zombie
• 6:01
  subscriptions.
• 6:02
  I
• 6:02
  call
• 6:02
  them
• 6:03
  death
• 6:03
  by
• 6:03
  a
• 6:03
  thousand
• 6:04
  cuts,
• 6:05
  those
• 6:05
  forgotten
• 6:06
  trials,
• 6:07
  those
• 6:07
  unused
• 6:08
  memberships.
• 6:08
  Oh,
• 6:09
  it
• 6:09
  sounded
• 6:09
  like
• 6:09
  a
• 6:09
  great
• 6:10
  idea
• 6:10
  at
• 6:10
  the
• 6:10
  time,
• 6:10
  but
• 6:10
  man,
• 6:11
  I
• 6:11
  haven't
• 6:11
  used
• 6:11
  that
• 6:11
  since.
• 6:13
  Ask
• 6:13
  yourself
• 6:14
  this.
• 6:14
  If
• 6:14
  you
• 6:14
  wouldn't
• 6:15
  pay
• 6:15
  for
• 6:15
  it
• 6:15
  today,
• 6:16
  you
• 6:17
  shouldn't
• 6:17
  keep
• 6:17
  paying
• 6:17
  for
• 6:18
  it
• 6:18
  tomorrow.
• 6:19
  And
• 6:20
  see
• 6:20
  the
• 6:20
  beauty
• 6:20
  of
• 6:21
  these
• 6:21
  things.
• 6:21
  These
• 6:22
  cuts
• 6:22
  don't
• 6:22
  hurt
• 6:22
  because
• 6:23
  you
• 6:23
  weren't
• 6:23
  using
• 6:23
  them
• 6:24
  anyway.
• 6:25
  So
• 6:26
  start
• 6:26
  there,
• 6:26
  what
• 6:26
  I
• 6:27
  call
• 6:27
  the
• 6:27
  low
• 6:27
  hanging
• 6:28
  fruit.
• 6:29
  So
• 6:29
  highlight,
• 6:30
  print
• 6:31
  these
• 6:31
  things
• 6:31
  out,
• 6:31
  grab
• 6:32
  those
• 6:32
  things
• 6:32
  and
• 6:33
  cut
• 6:33
  those
• 6:33
  first.
• 6:33
  Then
• 6:33
  what
• 6:34
  I
• 6:34
  want
• 6:34
  you
• 6:34
  to
• 6:34
  do
• 6:34
  is
• 6:35
  run
• 6:35
  what
• 6:35
  I
• 6:35
  call
• 6:36
  the
• 6:36
  joy
• 6:36
  test.
• 6:36
  On
• 6:37
  the
• 6:37
  rest
• 6:37
  notice,
• 6:38
  it'll
• 6:38
  rhyme
• 6:38
  there.
• 6:39
  But
• 6:39
  the
• 6:39
  joy
• 6:40
  test,
• 6:40
  ask
• 6:40
  yourself
• 6:41
  this.
• 6:41
  Does
• 6:42
  this
• 6:42
  spending
• 6:43
  bring
• 6:43
  you
• 6:43
  real
• 6:44
  value
• 6:45
  or
• 6:45
  is
• 6:45
  it
• 6:45
  just
• 6:46
  some
• 6:46
  temporary
• 6:46
  distraction?
• 6:49
  And
• 6:49
  you
• 6:50
  really
• 6:50
  have
• 6:50
  to
• 6:50
  think
• 6:50
  about
• 6:50
  that
• 6:51
  because
• 6:52
  I
• 6:52
  pick
• 6:52
  on
• 6:52
  people
• 6:53
  who
• 6:53
  drink
• 6:53
  coffee
• 6:53
  in
• 6:53
  the
• 6:53
  morning.
• 6:55
  But
• 6:55
  that
• 6:55
  morning
• 6:55
  coffee
• 6:56
  that
• 6:56
  you
• 6:56
  truly
• 6:57
  enjoy,
• 6:58
  that
• 6:58
  might
• 6:58
  be
• 6:58
  part
• 6:59
  of
• 6:59
  the
• 6:59
  joy
• 6:59
  for
• 6:59
  you.
• 6:59
  And
• 7:00
  that's
• 7:00
  cool.
• 7:00
  If
• 7:00
  you
• 7:00
  can
• 7:00
  afford
• 7:01
  to
• 7:01
  do
• 7:01
  it,
• 7:01
  that's
• 7:01
  great.
• 7:02
  But
• 7:02
  if
• 7:02
  you've
• 7:02
  got
• 7:03
  three
• 7:03
  streaming
• 7:04
  services,
• 7:04
  you
• 7:04
  only
• 7:04
  scroll
• 7:05
  through
• 7:06
  cut
• 7:06
  it.
• 7:07
  If
• 7:07
  that's
• 7:08
  not
• 7:08
  bringing
• 7:08
  you
• 7:08
  real
• 7:09
  value,
• 7:10
  cut
• 7:10
  those
• 7:11
  things.
• 7:11
  And
• 7:12
  finally,
• 7:12
  you
• 7:13
  swap.
• 7:13
  Don't
• 7:14
  stop,
• 7:14
  man.
• 7:14
  I'm
• 7:14
  telling
• 7:15
  you,
• 7:15
  there's
• 7:15
  a
• 7:15
  song
• 7:15
  here.
• 7:17
  Swap,
• 7:18
  don't
• 7:18
  stop.
• 7:19
  Keep
• 7:20
  the
• 7:20
  joy
• 7:20
  and
• 7:20
  lose
• 7:21
  the
• 7:21
  cost.
• 7:22
  This
• 7:23
  is
• 7:23
  not
• 7:23
  the
• 7:23
  time
• 7:23
  to
• 7:24
  stop
• 7:24
  that.
• 7:24
  Date
• 7:24
  night
• 7:26
  might
• 7:26
  be
• 7:26
  super
• 7:26
  important
• 7:27
  for
• 7:27
  your
• 7:27
  relationship,
• 7:28
  but
• 7:28
  you
• 7:28
  could
• 7:28
  swap
• 7:29
  that
• 7:29
  expensive
• 7:29
  dinner
• 7:30
  for
• 7:30
  dessert
• 7:31
  only
• 7:31
  or
• 7:32
  a
• 7:32
  picnic
• 7:32
  or
• 7:33
  something
• 7:33
  cheaper.
• 7:34
  But
• 7:34
  the
• 7:34
  time
• 7:35
  still
• 7:35
  matters.
• 7:36
  You
• 7:37
  don't
• 7:37
  have
• 7:37
  to
• 7:37
  stop
• 7:37
  reading.
• 7:38
  Swap
• 7:39
  Amazon
• 7:40
  for
• 7:40
  the
• 7:40
  library.
• 7:41
  Go
• 7:41
  to
• 7:41
  the
• 7:41
  library
• 7:42
  and
• 7:42
  check
• 7:42
  out
• 7:42
  books.
• 7:42
  Yeah,
• 7:43
  guess
• 7:43
  what?
• 7:43
  There
• 7:43
  are
• 7:43
  still
• 7:44
  libraries.
• 7:45
  You
• 7:45
  can
• 7:45
  still
• 7:45
  check
• 7:46
  out
• 7:46
  books.
• 7:47
  What
• 7:47
  I'm
• 7:48
  telling
• 7:48
  you
• 7:48
  here
• 7:48
  is
• 7:48
  keep
• 7:48
  the
• 7:49
  ritual,
• 7:49
  but
• 7:50
  drop
• 7:50
  the
• 7:50
  price
• 7:50
  tag.
• 7:51
  Lower
• 7:52
  the
• 7:52
  price
• 7:52
  tag.
• 7:53
  Because
• 7:54
  you're
• 7:54
  not
• 7:54
  cutting
• 7:54
  joy,
• 7:55
  you're
• 7:56
  cutting
• 7:56
  waste.
• 7:57
  And
• 7:57
  that's
• 7:57
  the
• 7:57
  big
• 7:57
  answer
• 7:58
  today.
• 7:59
  Don't
• 7:59
  cut
• 8:00
  the
• 8:00
  joy
• 8:00
  of.
• 8:01
  Cut
• 8:01
  the
• 8:01
  waste.
• 8:03
  So
• 8:03
  here's
• 8:03
  my
• 8:04
  one
• 8:04
  win
• 8:04
  for
• 8:04
  you.
• 8:04
  Just
• 8:05
  a
• 8:05
  single
• 8:05
  step
• 8:06
  and
• 8:06
  I'm
• 8:06
  going
• 8:06
  to
• 8:06
  challenge
• 8:07
  you.
• 8:07
  I
• 8:07
  bet
• 8:07
  every
• 8:08
  one
• 8:08
  of
• 8:08
  us
• 8:09
  could
• 8:09
  cancel
• 8:09
  one
• 8:10
  zombie
• 8:10
  subscription
• 8:11
  in
• 8:11
  the
• 8:11
  next
• 8:12
  10
• 8:12
  minutes.
• 8:12
  That's
• 8:12
  what
• 8:12
  I
• 8:12
  want
• 8:13
  you
• 8:13
  to
• 8:13
  do
• 8:13
  when
• 8:14
  you're
• 8:14
  done
• 8:14
  listening
• 8:14
  today.
• 8:15
  Open
• 8:15
  up
• 8:15
  your
• 8:15
  bank
• 8:16
  app
• 8:16
  or
• 8:16
  your
• 8:17
  phone
• 8:17
  or
• 8:17
  your
• 8:17
  subscriptions
• 8:18
  and
• 8:18
  go
• 8:18
  find
• 8:19
  one
• 8:19
  zombie
• 8:19
  subscription.
• 8:20
  Because
• 8:21
  I
• 8:21
  bet
• 8:21
  one
• 8:22
  thing
• 8:22
  you're
• 8:22
  probably
• 8:22
  going
• 8:22
  to
• 8:23
  find
• 8:23
  when
• 8:23
  you
• 8:23
  forgot
• 8:23
  about
• 8:25
  cut
• 8:25
  it
• 8:25
  off
• 8:26
  today.
• 8:27
  Stop
• 8:27
  the
• 8:27
  bleeding.
• 8:28
  Well,
• 8:28
  let's
• 8:29
  get
• 8:29
  to
• 8:29
  our
• 8:29
  scripture
• 8:29
  for
• 8:30
  today.
• 8:30
  It
• 8:30
  comes
• 8:31
  to
• 8:31
  us
• 8:31
  from
• 8:31
  First
• 8:31
  Corinthians,
• 8:32
  chapter
• 8:33
  10,
• 8:33
  verse
• 8:34
  23.
• 8:36
  And
• 8:36
  listen
• 8:36
  to
• 8:37
  this
• 8:37
  one,
• 8:37
  because,
• 8:37
  man,
• 8:38
  this
• 8:38
  one
• 8:38
  is
• 8:38
  ideal
• 8:39
  for
• 8:39
  what
• 8:39
  we're
• 8:40
  talking
• 8:40
  about
• 8:40
  today.
• 8:40
  Again,
• 8:41
  First
• 8:41
  Corinthians,
• 8:41
  10:23.
• 8:43
  I
• 8:44
  have
• 8:44
  the
• 8:44
  right
• 8:44
  to
• 8:44
  do
• 8:45
  anything
• 8:45
  you
• 8:45
  say,
• 8:47
  but
• 8:47
  not
• 8:47
  everything
• 8:47
  is
• 8:48
  beneficial.
• 8:49
  I
• 8:50
  have
• 8:50
  the
• 8:50
  right
• 8:50
  to
• 8:50
  do
• 8:51
  anything,
• 8:52
  but
• 8:52
  not
• 8:53
  everything
• 8:53
  is
• 8:54
  constructive.
• 8:57
  Just
• 8:57
  think
• 8:57
  about
• 8:57
  that
• 8:57
  one
• 8:58
  for
• 8:58
  a
• 8:58
  second.
• 9:00
  You
• 9:00
  may
• 9:00
  be
• 9:00
  allowed
• 9:01
  to
• 9:01
  spend
• 9:01
  it,
• 9:03
  but
• 9:03
  wisdom
• 9:03
  asks
• 9:04
  if
• 9:05
  it's
• 9:05
  actually
• 9:05
  helping
• 9:06
  you.
• 9:07
  Let's
• 9:07
  pray
• 9:08
  right
• 9:08
  now.
• 9:09
  Dear
• 9:09
  Heavenly
• 9:09
  Father,
• 9:10
  thank
• 9:11
  you
• 9:11
  for
• 9:11
  the
• 9:11
  resources
• 9:12
  that
• 9:12
  you've
• 9:12
  entrusted
• 9:13
  to
• 9:13
  us.
• 9:14
  And
• 9:15
  Lord,
• 9:15
  we
• 9:15
  confess
• 9:15
  right
• 9:16
  now
• 9:16
  that
• 9:16
  sometimes
• 9:17
  we
• 9:17
  look
• 9:17
  for
• 9:17
  comfort
• 9:17
  in
• 9:18
  spending
• 9:19
  instead
• 9:19
  of
• 9:19
  being
• 9:20
  in
• 9:20
  your
• 9:20
  presence.
• 9:22
  So
• 9:22
  give
• 9:22
  us
• 9:22
  wisdom,
• 9:23
  Lord,
• 9:23
  and
• 9:23
  discernment
• 9:24
  today.
• 9:25
  Help
• 9:25
  us
• 9:25
  to
• 9:25
  see
• 9:26
  our
• 9:26
  finances
• 9:27
  clearly
• 9:27
  and
• 9:27
  give
• 9:28
  us
• 9:28
  courage
• 9:28
  to
• 9:29
  cut
• 9:29
  what
• 9:29
  is
• 9:29
  not
• 9:30
  beneficial
• 9:31
  so
• 9:31
  we
• 9:32
  truly
• 9:32
  can
• 9:32
  focus
• 9:32
  on
• 9:33
  what
• 9:33
  is
• 9:33
  constructive.
• 9:35
  Replace
• 9:36
  our
• 9:36
  fear
• 9:36
  of
• 9:36
  deprivation
• 9:37
  with
• 9:38
  the
• 9:38
  joy
• 9:38
  of
• 9:39
  stewardship,
• 9:39
  Lord,
• 9:40
  and
• 9:40
  teach
• 9:40
  us
• 9:41
  contentment
• 9:42
  not
• 9:42
  in
• 9:42
  what
• 9:42
  we
• 9:43
  buy,
• 9:45
  but
• 9:45
  truly
• 9:45
  in
• 9:45
  who
• 9:46
  we
• 9:46
  are,
• 9:46
  in
• 9:46
  you.
• 9:48
  And
• 9:48
  just
• 9:48
  give
• 9:48
  us
• 9:49
  discipline
• 9:49
  to
• 9:49
  say
• 9:50
  no
• 9:50
  to
• 9:50
  the
• 9:50
  temporary
• 9:52
  so
• 9:52
  we
• 9:52
  can
• 9:52
  say
• 9:53
  yes
• 9:53
  to
• 9:53
  what
• 9:53
  truly
• 9:54
  matters.
• 9:55
  And
• 9:56
  we
• 9:56
  ask
• 9:56
  this
• 9:56
  in
• 9:56
  Jesus
• 9:57
  name.
• 9:58
  Amen,
• 10:00
  friend.
• 10:00
  I
• 10:01
  just
• 10:01
  want
• 10:01
  to
• 10:01
  encourage
• 10:01
  you,
• 10:02
  when
• 10:02
  you
• 10:03
  cut
• 10:03
  waste,
• 10:04
  you
• 10:04
  make
• 10:05
  room
• 10:05
  for
• 10:05
  peace.
• 10:06
  So
• 10:07
  go
• 10:07
  find
• 10:07
  that
• 10:07
  waste
• 10:08
  and
• 10:08
  cut
• 10:08
  that
• 10:08
  out.
• 10:08
  Don't
• 10:08
  cut
• 10:08
  the
• 10:09
  joy
• 10:09
  today,
• 10:09
  just
• 10:10
  cut
• 10:10
  the
• 10:10
  waste
• 10:11
  and
• 10:11
  find
• 10:11
  some
• 10:12
  peace.
• 10:12
  And
• 10:13
  if
• 10:13
  you've
• 10:13
  got
• 10:13
  a
• 10:13
  question
• 10:14
  for
• 10:14
  the
• 10:14
  show,
• 10:14
  I
• 10:14
  would
• 10:14
  love
• 10:15
  to
• 10:15
  have
• 10:15
  your
• 10:15
  question
• 10:15
  on
• 10:16
  the
• 10:16
  show.
• 10:16
  Go
• 10:16
  to
• 10:17
  financiallyconfidentchristian.com/question
• 10:21
  we'll
• 10:21
  put
• 10:22
  that
• 10:22
  in
• 10:22
  the
• 10:22
  show
• 10:22
  notes,
• 10:23
  but
• 10:23
  I
• 10:23
  want
• 10:23
  to
• 10:23
  give
• 10:23
  it
• 10:23
  to
• 10:23
  you
• 10:23
  again
• 10:23
  in
• 10:24
  case
• 10:24
  you
• 10:24
  want
• 10:24
  to
• 10:24
  write
• 10:24
  this
• 10:24
  down.
• 10:25
  Go
• 10:25
  to
• 10:26
  financiallyconfidentchristian.com/question
• 10:30
  thank
• 10:31
  you
• 10:31
  so
• 10:31
  much
• 10:31
  for
• 10:32
  joining
• 10:32
  me
• 10:32
  today.
• 10:33
  I
• 10:33
  hope
• 10:33
  it
• 10:34
  was
• 10:34
  an
• 10:34
  encouragement
• 10:35
  today
• 10:35
  you
• 10:35
  can
• 10:35
  do
• 10:35
  this.
• 10:36
  Stay
• 10:37
  financially
• 10:38
  savvy.
• 10:38
  May
• 10:38
  God
• 10:38
  bless
• 10:39
  you
• 10:39
  and
• 10:40
  you
• 10:40
  have
• 10:40
  a
• 10:40
  great
• 10:40
  day
• 10:40
  today.