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How Do I Make the Most of My Tax Refund? · Becoming Financially Confident

• 0:37
  Your
• 0:37
  refund
• 0:38
  shows
• 0:38
  up
• 0:38
  and
• 0:39
  suddenly
• 0:39
  money
• 0:39
  isn't
• 0:40
  just
• 0:40
  money,
• 0:41
  it's
• 0:41
  tension.
• 0:42
  Yeah,
• 0:43
  you
• 0:43
  want
• 0:43
  stability,
• 0:44
  but
• 0:44
  your
• 0:44
  spouse,
• 0:45
  hey,
• 0:45
  they
• 0:45
  want
• 0:45
  a
• 0:45
  vacation.
• 0:47
  And
• 0:47
  you're
• 0:47
  trying
• 0:47
  to
• 0:47
  protect
• 0:48
  that
• 0:48
  unity
• 0:48
  while
• 0:49
  still
• 0:49
  making
• 0:49
  a
• 0:50
  smart
• 0:50
  decision.
• 0:51
  So
• 0:51
  today
• 0:51
  on
• 0:52
  the
• 0:52
  show,
• 0:52
  I'm
• 0:52
  going
• 0:52
  to
• 0:52
  talk.
• 0:52
  What
• 0:53
  do
• 0:53
  you
• 0:53
  do
• 0:53
  next
• 0:54
  to
• 0:54
  make
• 0:54
  sure
• 0:54
  this
• 0:54
  choice
• 0:55
  is
• 0:55
  with
• 0:55
  peace
• 0:56
  instead
• 0:56
  of
• 0:57
  press?
• 1:19
  Hey,
• 1:19
  friend,
• 1:19
  Ralph
• 1:20
  Estep
• 1:20
  Jr.
• 1:21
  Here.
• 1:21
  This
• 1:21
  is
• 1:22
  financially
• 1:22
  confident
• 1:23
  Christian.
• 1:23
  My
• 1:24
  goal
• 1:24
  is
• 1:24
  to
• 1:24
  help
• 1:24
  you
• 1:24
  break
• 1:25
  that
• 1:25
  cycle
• 1:25
  of
• 1:26
  financial
• 1:26
  shame
• 1:27
  and
• 1:27
  do
• 1:27
  it
• 1:27
  with
• 1:28
  confidence.
• 1:29
  And
• 1:29
  today
• 1:29
  we're
• 1:29
  talking
• 1:29
  about
• 1:30
  that
• 1:30
  unexpected
• 1:31
  tax
• 1:31
  refund.
• 1:31
  If
• 1:32
  you
• 1:32
  caught
• 1:32
  yesterday's
• 1:32
  show,
• 1:33
  we
• 1:33
  talked
• 1:33
  about
• 1:33
  that
• 1:33
  what
• 1:34
  if
• 1:34
  you
• 1:34
  owe
• 1:34
  situation.
• 1:35
  Well,
• 1:36
  today
• 1:36
  we're
• 1:36
  going
• 1:36
  to
• 1:36
  flip
• 1:36
  it
• 1:36
  around
• 1:37
  and
• 1:37
  we're
• 1:37
  going
• 1:37
  to
• 1:37
  say,
• 1:38
  wow,
• 1:38
  we've
• 1:39
  got
• 1:39
  an
• 1:39
  unexpected
• 1:39
  tax
• 1:40
  refund.
• 1:40
  Now
• 1:41
  what
• 1:41
  do
• 1:41
  we
• 1:41
  do
• 1:41
  with
• 1:41
  it?
• 1:42
  Well,
• 1:42
  let's
• 1:42
  get
• 1:42
  right
• 1:42
  to
• 1:42
  today's
• 1:43
  question,
• 1:44
  Ralph.
• 1:44
  We
• 1:45
  just
• 1:45
  finished
• 1:45
  filing
• 1:46
  our
• 1:46
  taxes
• 1:46
  and
• 1:47
  we're
• 1:47
  getting
• 1:47
  a
• 1:47
  really
• 1:48
  nice
• 1:48
  refund.
• 1:49
  Honestly,
• 1:49
  we
• 1:49
  weren't
• 1:50
  expecting
• 1:50
  it.
• 1:50
  So
• 1:51
  it
• 1:51
  sort
• 1:51
  of
• 1:51
  found
• 1:52
  money
• 1:53
  and
• 1:53
  my
• 1:53
  husband
• 1:54
  wants
• 1:54
  to
• 1:54
  use
• 1:54
  it
• 1:54
  for
• 1:54
  a
• 1:54
  family
• 1:55
  vacation,
• 1:56
  but
• 1:56
  I
• 1:56
  think
• 1:56
  we
• 1:57
  should
• 1:57
  use
• 1:57
  it
• 1:57
  to
• 1:57
  pay
• 1:57
  off
• 1:58
  some
• 1:58
  debt
• 1:58
  and
• 1:59
  add
• 1:59
  to
• 1:59
  our
• 1:59
  emergency
• 2:00
  fund.
• 2:01
  What
• 2:01
  should
• 2:01
  we
• 2:02
  do,
• 2:02
  Ralph?
• 2:03
  Well,
• 2:03
  again,
• 2:03
  thank
• 2:04
  you
• 2:04
  for
• 2:04
  your
• 2:04
  question
• 2:04
  and
• 2:05
  I
• 2:05
  can
• 2:05
  feel
• 2:05
  the
• 2:06
  tension
• 2:06
  in
• 2:06
  your
• 2:06
  question.
• 2:07
  If
• 2:07
  you've
• 2:07
  got
• 2:07
  a
• 2:08
  question
• 2:08
  for
• 2:08
  this
• 2:08
  show
• 2:09
  later
• 2:09
  on,
• 2:09
  I'll
• 2:09
  tell
• 2:09
  you
• 2:10
  exactly
• 2:10
  how
• 2:10
  to
• 2:10
  send
• 2:10
  it
• 2:11
  to
• 2:11
  me.
• 2:11
  But
• 2:12
  today's
• 2:12
  big
• 2:12
  idea
• 2:13
  is
• 2:13
  we've
• 2:14
  got
• 2:14
  to
• 2:14
  give
• 2:14
  every
• 2:15
  dollar
• 2:15
  a
• 2:15
  job
• 2:16
  that
• 2:16
  protects
• 2:16
  peace
• 2:18
  before
• 2:18
  buying
• 2:19
  turns
• 2:19
  into
• 2:19
  too
• 2:19
  much
• 2:20
  fun.
• 2:21
  So
• 2:21
  let's
• 2:21
  start
• 2:21
  by
• 2:22
  saying
• 2:22
  this.
• 2:22
  First
• 2:22
  thing
• 2:23
  I
• 2:23
  want
• 2:23
  to
• 2:23
  get
• 2:23
  to
• 2:24
  right
• 2:24
  now,
• 2:24
  stop
• 2:25
  using
• 2:25
  the
• 2:26
  word
• 2:26
  found
• 2:26
  money.
• 2:27
  It's
• 2:27
  time
• 2:28
  to
• 2:28
  pause
• 2:28
  that
• 2:29
  found
• 2:29
  money
• 2:29
  story.
• 2:31
  This
• 2:31
  is
• 2:31
  household
• 2:32
  money.
• 2:32
  This
• 2:33
  isn't
• 2:33
  a
• 2:33
  bonus
• 2:34
  when
• 2:34
  you
• 2:34
  get
• 2:35
  a
• 2:35
  refund
• 2:35
  on
• 2:35
  your
• 2:36
  taxes,
• 2:36
  guess
• 2:36
  what?
• 2:37
  They're
• 2:37
  refunding
• 2:38
  your
• 2:38
  money.
• 2:39
  You've
• 2:39
  been
• 2:40
  paying
• 2:40
  this
• 2:40
  in
• 2:40
  all
• 2:41
  year
• 2:41
  long.
• 2:41
  Now
• 2:41
  maybe
• 2:42
  you've
• 2:42
  got
• 2:42
  some
• 2:42
  credits
• 2:43
  and
• 2:43
  you've
• 2:43
  got
• 2:43
  some
• 2:44
  bonus
• 2:44
  things
• 2:44
  that
• 2:44
  you
• 2:44
  weren't
• 2:45
  expecting,
• 2:46
  but
• 2:46
  this
• 2:46
  is
• 2:46
  your
• 2:47
  money.
• 2:47
  I,
• 2:47
  I've
• 2:47
  been
• 2:48
  dealing
• 2:48
  with
• 2:48
  this
• 2:48
  for
• 2:48
  30
• 2:49
  years
• 2:49
  and
• 2:49
  I
• 2:49
  always
• 2:49
  kind
• 2:50
  of
• 2:50
  chuckle
• 2:50
  when
• 2:50
  somebody's
• 2:51
  sitting
• 2:51
  in
• 2:51
  front
• 2:51
  of
• 2:51
  me
• 2:51
  and
• 2:52
  they're
• 2:52
  like,
• 2:52
  Ralph,
• 2:52
  oh,
• 2:52
  we're
• 2:53
  so
• 2:53
  thankful
• 2:53
  you
• 2:54
  got
• 2:54
  us
• 2:54
  a
• 2:54
  big
• 2:54
  refund.
• 2:55
  And
• 2:55
  I
• 2:55
  always
• 2:55
  say
• 2:55
  to
• 2:55
  them,
• 2:56
  I
• 2:56
  got
• 2:56
  you
• 2:56
  your
• 2:56
  own
• 2:57
  money
• 2:57
  back.
• 2:57
  It's
• 2:58
  your
• 2:58
  money.
• 2:59
  But
• 3:00
  the
• 3:00
  goal
• 3:00
  today
• 3:00
  is
• 3:01
  to
• 3:01
  really
• 3:01
  how
• 3:01
  do
• 3:02
  we
• 3:02
  have
• 3:02
  peace
• 3:02
  at
• 3:02
  home?
• 3:02
  Because
• 3:03
  what
• 3:03
  you're
• 3:03
  telling
• 3:03
  me
• 3:03
  in
• 3:04
  your
• 3:04
  question
• 3:05
  is
• 3:05
  that
• 3:05
  you've
• 3:05
  got
• 3:05
  what
• 3:06
  you
• 3:06
  called
• 3:06
  found
• 3:06
  money.
• 3:07
  I'm
• 3:07
  going
• 3:07
  to
• 3:07
  say
• 3:07
  it's
• 3:08
  it's
• 3:08
  household
• 3:08
  bonus
• 3:09
  for.
• 3:09
  For
• 3:09
  lack
• 3:10
  of
• 3:10
  a
• 3:10
  better
• 3:10
  way
• 3:10
  of
• 3:10
  saying
• 3:10
  it.
• 3:11
  But
• 3:11
  there
• 3:12
  seems
• 3:12
  to
• 3:12
  be
• 3:12
  a
• 3:12
  difference
• 3:13
  of
• 3:13
  your
• 3:13
  husband
• 3:13
  wants
• 3:14
  to
• 3:14
  do
• 3:14
  this
• 3:14
  and
• 3:15
  you
• 3:15
  want
• 3:15
  to
• 3:15
  do
• 3:15
  that.
• 3:17
  So
• 3:17
  here's
• 3:17
  the
• 3:17
  first
• 3:18
  thing
• 3:18
  I'm
• 3:18
  going
• 3:18
  to
• 3:18
  tell
• 3:18
  you.
• 3:19
  Don't
• 3:19
  make
• 3:20
  any
• 3:20
  decision
• 3:20
  right
• 3:21
  away.
• 3:22
  When
• 3:22
  you
• 3:22
  hear
• 3:22
  that,
• 3:22
  you've
• 3:23
  got
• 3:23
  to
• 3:23
  revitalize.
• 3:23
  Maybe
• 3:23
  you're
• 3:24
  listening
• 3:24
  to
• 3:24
  this
• 3:24
  or
• 3:24
  you're
• 3:24
  watching
• 3:25
  this
• 3:25
  right
• 3:25
  now
• 3:25
  and
• 3:25
  you're
• 3:26
  saying,
• 3:26
  hey,
• 3:26
  I'm
• 3:27
  in
• 3:27
  the
• 3:27
  exact
• 3:27
  same
• 3:27
  situation.
• 3:29
  Don't
• 3:29
  make
• 3:30
  a
• 3:30
  quick
• 3:30
  decision.
• 3:31
  Sleep
• 3:31
  on
• 3:31
  it.
• 3:32
  Second
• 3:32
  thing
• 3:32
  I
• 3:32
  want
• 3:33
  you
• 3:33
  to
• 3:33
  do
• 3:33
  is
• 3:34
  think
• 3:34
  about
• 3:34
  stabilization
• 3:36
  first.
• 3:37
  And
• 3:37
  this
• 3:37
  is
• 3:37
  where
• 3:37
  you're
• 3:38
  really
• 3:38
  going
• 3:38
  with
• 3:38
  your
• 3:38
  question.
• 3:39
  Because
• 3:39
  what
• 3:39
  I
• 3:39
  hear
• 3:39
  you
• 3:39
  saying
• 3:40
  is,
• 3:41
  Ralph,
• 3:41
  I
• 3:41
  want
• 3:41
  to
• 3:42
  stabilize
• 3:42
  things.
• 3:42
  Now,
• 3:43
  my
• 3:43
  husband,
• 3:43
  he
• 3:43
  wants
• 3:44
  to
• 3:44
  go
• 3:44
  on
• 3:44
  a
• 3:44
  vacation,
• 3:44
  which
• 3:45
  I
• 3:45
  think
• 3:45
  is
• 3:45
  great.
• 3:46
  Doing
• 3:46
  things
• 3:47
  together
• 3:47
  as
• 3:47
  a
• 3:47
  couple
• 3:48
  is
• 3:48
  fantastic.
• 3:49
  But.
• 3:49
  But
• 3:49
  my
• 3:49
  personal
• 3:50
  view
• 3:50
  is
• 3:50
  start
• 3:51
  with
• 3:51
  creating
• 3:51
  a
• 3:52
  small
• 3:52
  safety
• 3:53
  cushion.
• 3:53
  Here's
• 3:54
  the
• 3:54
  thing
• 3:54
  I
• 3:54
  would
• 3:54
  say
• 3:54
  to
• 3:55
  you.
• 3:55
  Go
• 3:55
  look
• 3:56
  at
• 3:56
  your
• 3:56
  emergency
• 3:56
  fund.
• 3:57
  If
• 3:57
  you've
• 3:57
  got
• 3:57
  an
• 3:58
  emergency
• 3:58
  fund
• 3:58
  and
• 3:59
  it's
• 3:59
  less
• 3:59
  than
• 3:59
  $1,000,
• 4:01
  it's
• 4:01
  a
• 4:01
  big
• 4:01
  takeaway
• 4:02
  for
• 4:02
  today.
• 4:02
  If
• 4:02
  it's
• 4:03
  less
• 4:03
  than
• 4:03
  $1,000,
• 4:04
  I
• 4:04
  want
• 4:04
  you
• 4:05
  to
• 4:05
  put
• 4:05
  some
• 4:05
  money
• 4:05
  there
• 4:06
  first.
• 4:06
  So
• 4:07
  if
• 4:07
  you've
• 4:07
  got
• 4:07
  $700,
• 4:08
  for
• 4:08
  example,
• 4:09
  number
• 4:09
  one
• 4:10
  thing,
• 4:10
  push
• 4:10
  $300
• 4:11
  of
• 4:11
  that
• 4:12
  refund
• 4:12
  into
• 4:12
  that
• 4:12
  emergency
• 4:13
  fund.
• 4:13
  Now,
• 4:14
  if
• 4:14
  you've
• 4:14
  already
• 4:14
  got
• 4:15
  a
• 4:15
  thousand
• 4:15
  dollars,
• 4:16
  I'm
• 4:16
  still
• 4:16
  going
• 4:17
  to
• 4:17
  encourage
• 4:17
  you
• 4:17
  to
• 4:17
  do
• 4:18
  something
• 4:18
  here.
• 4:18
  Push
• 4:19
  some
• 4:19
  more
• 4:19
  into
• 4:19
  that
• 4:20
  essentials
• 4:21
  fund.
• 4:21
  If
• 4:21
  you
• 4:21
  know
• 4:22
  what
• 4:22
  your
• 4:22
  monthly
• 4:22
  expenses
• 4:23
  are,
• 4:23
  you're
• 4:23
  like,
• 4:24
  here
• 4:24
  are
• 4:24
  my
• 4:24
  essentials.
• 4:26
  Push
• 4:26
  some
• 4:26
  money
• 4:27
  over
• 4:27
  there.
• 4:28
  Because
• 4:28
  this
• 4:28
  can
• 4:29
  help
• 4:29
  you
• 4:29
  win
• 4:29
  in
• 4:29
  the
• 4:29
  long
• 4:29
  run
• 4:29
  because
• 4:30
  you
• 4:30
  got
• 4:30
  fewer
• 4:31
  surprise
• 4:31
  expenses
• 4:32
  that
• 4:32
  hit
• 4:32
  that
• 4:32
  credit
• 4:33
  card.
• 4:33
  If
• 4:33
  you,
• 4:33
  listen,
• 4:33
  if
• 4:33
  you're
• 4:34
  like
• 4:34
  most
• 4:34
  people,
• 4:35
  when
• 4:35
  you
• 4:35
  have
• 4:35
  that
• 4:35
  surprise
• 4:36
  expense,
• 4:37
  and
• 4:37
  let's
• 4:37
  say,
• 4:38
  and
• 4:38
  we'll
• 4:38
  talk
• 4:38
  about
• 4:38
  this
• 4:39
  in
• 4:39
  the
• 4:39
  future,
• 4:39
  but
• 4:39
  when
• 4:39
  you
• 4:40
  chew
• 4:40
  through
• 4:40
  that
• 4:41
  emergency
• 4:41
  fund,
• 4:42
  what
• 4:42
  do
• 4:42
  most
• 4:42
  people
• 4:43
  go
• 4:43
  to?
• 4:43
  They
• 4:44
  go
• 4:44
  to
• 4:44
  that
• 4:44
  credit
• 4:45
  card.
• 4:45
  So
• 4:45
  this
• 4:45
  is
• 4:45
  a
• 4:45
  great
• 4:45
  time
• 4:46
  to
• 4:46
  sort
• 4:46
  of
• 4:46
  fortify
• 4:47
  and
• 4:48
  build
• 4:48
  up
• 4:48
  that
• 4:49
  emergency
• 4:49
  fund.
• 4:49
  Here's
• 4:50
  the
• 4:50
  next
• 4:50
  thing
• 4:50
  I'm
• 4:50
  going
• 4:50
  to
• 4:50
  encourage
• 4:51
  you
• 4:51
  to
• 4:51
  do.
• 4:51
  And
• 4:51
  this
• 4:52
  is
• 4:52
  what
• 4:52
  you're
• 4:52
  alluding
• 4:52
  to.
• 4:53
  You
• 4:53
  want
• 4:53
  to
• 4:54
  get
• 4:54
  out
• 4:54
  of
• 4:54
  debt.
• 4:54
  This
• 4:55
  is
• 4:55
  a
• 4:55
  great
• 4:55
  time
• 4:56
  to
• 4:56
  knock
• 4:56
  out
• 4:56
  one
• 4:57
  debt.
• 4:57
  Because
• 4:57
  listen,
• 4:57
  here's.
• 4:58
  Here's
• 4:58
  what
• 4:58
  I
• 4:58
  found
• 4:58
  in
• 4:59
  practice,
• 4:59
  and
• 4:59
  I've
• 4:59
  been
• 4:59
  doing
• 5:00
  this
• 5:00
  for
• 5:00
  a
• 5:00
  long
• 5:00
  time.
• 5:01
  Knocking
• 5:01
  out
• 5:02
  one
• 5:02
  debt
• 5:02
  can
• 5:03
  really
• 5:03
  build
• 5:03
  momentum.
• 5:04
  And
• 5:04
  listen,
• 5:04
  you
• 5:04
  don't
• 5:04
  have
• 5:04
  to
• 5:05
  pay
• 5:05
  off
• 5:05
  all
• 5:05
  your
• 5:05
  debts
• 5:05
  with
• 5:05
  this
• 5:06
  refund.
• 5:06
  Maybe
• 5:07
  your
• 5:07
  refund's
• 5:07
  not
• 5:07
  even
• 5:07
  big
• 5:07
  enough
• 5:08
  to
• 5:08
  do
• 5:08
  that.
• 5:09
  But
• 5:09
  maybe
• 5:09
  go
• 5:09
  find
• 5:09
  the
• 5:10
  smallest
• 5:10
  balance
• 5:11
  of
• 5:11
  a
• 5:11
  debt
• 5:11
  you
• 5:12
  have
• 5:12
  or
• 5:12
  one
• 5:12
  that
• 5:12
  has
• 5:13
  the
• 5:13
  highest
• 5:13
  interest
• 5:13
  rate.
• 5:14
  And
• 5:14
  maybe
• 5:15
  you
• 5:15
  can't
• 5:15
  afford
• 5:15
  to
• 5:15
  pay
• 5:15
  off
• 5:16
  the
• 5:16
  whole
• 5:16
  thing,
• 5:16
  but
• 5:16
  you
• 5:17
  can
• 5:17
  certainly
• 5:17
  send
• 5:18
  a
• 5:18
  big
• 5:18
  chunk
• 5:18
  towards
• 5:19
  that.
• 5:20
  So
• 5:20
  make
• 5:20
  one
• 5:20
  clear
• 5:21
  payment
• 5:21
  and
• 5:21
  then
• 5:22
  celebrate
• 5:22
  this.
• 5:23
  Even
• 5:23
  a
• 5:23
  little
• 5:24
  win
• 5:24
  will
• 5:24
  help
• 5:24
  build
• 5:25
  some
• 5:25
  unity.
• 5:26
  Let's
• 5:26
  get
• 5:27
  back
• 5:27
  to
• 5:27
  your
• 5:28
  husband
• 5:29
  side
• 5:29
  of
• 5:29
  this
• 5:29
  scenario
• 5:30
  because
• 5:31
  what
• 5:31
  you
• 5:31
  really
• 5:31
  want
• 5:31
  here
• 5:32
  is
• 5:32
  you
• 5:32
  want
• 5:32
  peace
• 5:33
  and
• 5:33
  joy.
• 5:34
  And
• 5:35
  that's
• 5:35
  really
• 5:35
  what
• 5:35
  I
• 5:35
  think.
• 5:35
  The
• 5:36
  main
• 5:36
  key
• 5:36
  to
• 5:37
  this
• 5:37
  answer
• 5:38
  today
• 5:38
  is
• 5:39
  I
• 5:39
  want
• 5:39
  you
• 5:39
  to
• 5:39
  create
• 5:39
  two
• 5:40
  simple
• 5:40
  buckets
• 5:41
  in
• 5:41
  your
• 5:41
  mind.
• 5:41
  I
• 5:42
  want
• 5:42
  you
• 5:42
  to
• 5:42
  have
• 5:42
  a
• 5:42
  stability
• 5:43
  bucket
• 5:43
  and
• 5:44
  a
• 5:44
  family
• 5:44
  trip
• 5:45
  bucket.
• 5:45
  Because
• 5:46
  listen,
• 5:46
  you're
• 5:47
  not
• 5:47
  going
• 5:47
  to
• 5:47
  win
• 5:47
  this
• 5:48
  if
• 5:48
  you
• 5:48
  don't
• 5:48
  try
• 5:49
  to
• 5:49
  figure
• 5:49
  out
• 5:49
  some
• 5:50
  kind
• 5:50
  of
• 5:50
  compromise.
• 5:51
  You
• 5:51
  know,
• 5:51
  when
• 5:51
  I
• 5:52
  work
• 5:52
  with
• 5:52
  couples,
• 5:53
  the
• 5:53
  number
• 5:54
  one
• 5:54
  thing
• 5:54
  I
• 5:54
  say
• 5:54
  is
• 5:54
  we
• 5:55
  got
• 5:55
  to
• 5:55
  find
• 5:55
  a
• 5:56
  way
• 5:56
  to
• 5:56
  compromise.
• 5:57
  Both
• 5:58
  parties
• 5:58
  can't
• 5:58
  win
• 5:59
  and
• 5:59
  both
• 5:59
  parties
• 6:00
  can't
• 6:00
  lose.
• 6:01
  So
• 6:01
  this
• 6:01
  is
• 6:02
  where
• 6:02
  you
• 6:02
  think
• 6:02
  about
• 6:02
  how
• 6:03
  can
• 6:03
  I
• 6:03
  split
• 6:03
  this?
• 6:04
  Maybe
• 6:04
  you
• 6:04
  do
• 6:04
  a
• 6:05
  70,
• 6:05
  30
• 6:06
  split.
• 6:06
  If
• 6:06
  you're
• 6:06
  feeling
• 6:07
  like
• 6:07
  your
• 6:07
  debt
• 6:08
  is
• 6:08
  real
• 6:08
  heavy
• 6:08
  right
• 6:08
  now,
• 6:09
  maybe
• 6:09
  you
• 6:09
  go
• 6:09
  to
• 6:10
  an
• 6:10
  80,
• 6:10
  20
• 6:11
  until
• 6:11
  you
• 6:11
  study
• 6:12
  that.
• 6:12
  But
• 6:13
  you've
• 6:13
  got
• 6:13
  to
• 6:13
  put
• 6:14
  a
• 6:14
  joy
• 6:14
  or
• 6:15
  a
• 6:15
  family
• 6:15
  trip
• 6:15
  portion
• 6:16
  inside
• 6:16
  of
• 6:17
  this
• 6:17
  because
• 6:17
  if
• 6:17
  not,
• 6:18
  guess
• 6:18
  what's
• 6:18
  going
• 6:18
  to
• 6:18
  happen?
• 6:19
  It's
• 6:19
  going
• 6:19
  to
• 6:19
  disappear
• 6:20
  and
• 6:20
  then
• 6:21
  you're
• 6:21
  going
• 6:21
  to
• 6:21
  have
• 6:21
  that
• 6:21
  tension
• 6:22
  and
• 6:22
  your
• 6:23
  husband
• 6:23
  or
• 6:23
  your
• 6:23
  wife's
• 6:23
  going
• 6:23
  to
• 6:24
  say,
• 6:24
  you
• 6:24
  know,
• 6:24
  we
• 6:24
  really
• 6:24
  could
• 6:24
  have
• 6:25
  done
• 6:25
  something
• 6:25
  here,
• 6:25
  but
• 6:25
  we
• 6:26
  didn't
• 6:26
  do
• 6:26
  it.
• 6:27
  Here's
• 6:27
  another
• 6:27
  thing
• 6:27
  I'm
• 6:28
  going
• 6:28
  to
• 6:28
  encourage
• 6:28
  you
• 6:28
  to
• 6:28
  do,
• 6:29
  make
• 6:30
  next
• 6:30
  year
• 6:30
  calmer.
• 6:30
  I
• 6:31
  always
• 6:31
  talk
• 6:31
  on
• 6:31
  the
• 6:31
  show
• 6:31
  about
• 6:32
  building
• 6:32
  systems
• 6:33
  and
• 6:33
  yes,
• 6:34
  it's
• 6:34
  great
• 6:34
  to
• 6:34
  get
• 6:35
  a
• 6:35
  refund,
• 6:35
  but
• 6:36
  again,
• 6:36
  what
• 6:37
  that
• 6:37
  means
• 6:37
  is
• 6:37
  that
• 6:38
  you
• 6:38
  are
• 6:38
  getting
• 6:38
  your
• 6:38
  own
• 6:39
  money
• 6:39
  back.
• 6:40
  And
• 6:40
  maybe
• 6:40
  you're
• 6:40
  thinking,
• 6:41
  you
• 6:41
  know
• 6:41
  what,
• 6:42
  that's
• 6:42
  interesting
• 6:42
  because
• 6:43
  every
• 6:43
  month
• 6:43
  is
• 6:43
  super
• 6:44
  tight.
• 6:44
  Like
• 6:44
  we're
• 6:45
  trying
• 6:45
  to
• 6:45
  make
• 6:45
  this
• 6:45
  budget
• 6:46
  work.
• 6:46
  Man,
• 6:47
  things
• 6:47
  are
• 6:47
  super
• 6:47
  tight.
• 6:48
  Well,
• 6:48
  guess
• 6:48
  what,
• 6:49
  you
• 6:49
  could
• 6:50
  decrease
• 6:50
  your
• 6:50
  withholding
• 6:51
  and
• 6:52
  get
• 6:52
  more
• 6:52
  take
• 6:52
  home
• 6:53
  pay
• 6:53
  as
• 6:53
  you
• 6:53
  go.
• 6:54
  That
• 6:54
  would
• 6:55
  make
• 6:55
  things
• 6:55
  so
• 6:56
  much
• 6:56
  better.
• 6:56
  Listen,
• 6:56
  it's
• 6:57
  great
• 6:57
  to
• 6:57
  get
• 6:57
  a
• 6:57
  refund
• 6:58
  at
• 6:58
  the
• 6:58
  end
• 6:58
  of
• 6:58
  the
• 6:58
  year.
• 6:58
  I'm
• 6:59
  not
• 6:59
  going
• 6:59
  to
• 6:59
  argue.
• 6:59
  I
• 6:59
  remember
• 7:00
  when
• 7:00
  I
• 7:00
  first
• 7:00
  started
• 7:00
  my
• 7:00
  practice,
• 7:01
  people
• 7:01
  will
• 7:02
  come
• 7:02
  in
• 7:02
  and
• 7:02
  they'd
• 7:03
  be
• 7:03
  getting
• 7:03
  a
• 7:03
  huge
• 7:03
  refund.
• 7:04
  And
• 7:04
  I
• 7:04
  would
• 7:04
  say
• 7:05
  to
• 7:05
  them,
• 7:05
  listen,
• 7:05
  you
• 7:06
  really
• 7:06
  need
• 7:06
  to
• 7:06
  stop
• 7:07
  this
• 7:07
  now.
• 7:08
  I
• 7:08
  stopped
• 7:08
  battling
• 7:08
  with
• 7:09
  them
• 7:09
  because
• 7:09
  I
• 7:09
  realized
• 7:10
  for
• 7:10
  some
• 7:10
  people
• 7:11
  this
• 7:11
  is
• 7:11
  like
• 7:11
  their
• 7:11
  way
• 7:12
  to
• 7:12
  save
• 7:12
  money.
• 7:12
  And
• 7:12
  I
• 7:13
  totally
• 7:13
  respect
• 7:13
  that.
• 7:14
  No
• 7:14
  judgment
• 7:15
  here,
• 7:15
  but
• 7:15
  you
• 7:16
  have
• 7:16
  to
• 7:16
  understand
• 7:16
  that
• 7:17
  they're
• 7:17
  not
• 7:17
  paying
• 7:18
  you
• 7:18
  interest
• 7:18
  on
• 7:18
  this.
• 7:19
  And
• 7:19
  if
• 7:19
  you're
• 7:19
  carrying
• 7:20
  credit
• 7:20
  card
• 7:20
  debt,
• 7:21
  you're
• 7:21
  paying
• 7:21
  interest
• 7:22
  and
• 7:22
  you're
• 7:22
  losing
• 7:23
  money.
• 7:24
  So
• 7:24
  let's
• 7:24
  say
• 7:24
  you
• 7:24
  don't
• 7:25
  want
• 7:25
  to
• 7:25
  have
• 7:25
  that
• 7:25
  big
• 7:25
  refund
• 7:26
  anymore.
• 7:26
  Here's
• 7:26
  a
• 7:26
  real
• 7:26
  practical
• 7:27
  thing
• 7:27
  you
• 7:27
  can
• 7:27
  do.
• 7:28
  Go
• 7:28
  to
• 7:28
  HR
• 7:29
  and
• 7:29
  change
• 7:30
  your
• 7:30
  withholding.
• 7:30
  Let
• 7:31
  your
• 7:31
  withholding
• 7:32
  not
• 7:32
  be
• 7:32
  so,
• 7:33
  not
• 7:33
  so
• 7:33
  big
• 7:33
  anymore.
• 7:34
  And
• 7:35
  then
• 7:35
  maybe
• 7:35
  at
• 7:35
  the
• 7:35
  same
• 7:35
  time,
• 7:36
  you're
• 7:36
  saying,
• 7:36
  you
• 7:36
  know
• 7:36
  what,
• 7:36
  my
• 7:37
  husband
• 7:37
  has
• 7:37
  a
• 7:37
  point
• 7:37
  here.
• 7:38
  Maybe
• 7:38
  start
• 7:38
  putting
• 7:39
  away
• 7:39
  money
• 7:39
  into
• 7:39
  a
• 7:40
  vacation
• 7:40
  fund
• 7:41
  so
• 7:41
  it's
• 7:41
  not
• 7:41
  some
• 7:42
  accidental
• 7:42
  find.
• 7:43
  You
• 7:43
  just,
• 7:43
  you
• 7:43
  just
• 7:44
  been
• 7:44
  doing
• 7:44
  it
• 7:44
  all
• 7:44
  year
• 7:45
  long.
• 7:45
  You
• 7:45
  start
• 7:45
  putting
• 7:45
  that
• 7:46
  money,
• 7:46
  maybe
• 7:46
  each
• 7:47
  of
• 7:47
  you
• 7:47
  puts
• 7:47
  a
• 7:47
  little
• 7:47
  in
• 7:48
  each
• 7:48
  paycheck,
• 7:49
  what
• 7:49
  we
• 7:49
  call
• 7:49
  like
• 7:49
  a
• 7:50
  sinking
• 7:50
  fund.
• 7:51
  Because
• 7:51
  listen,
• 7:52
  here's
• 7:52
  the
• 7:52
  big
• 7:52
  takeaway
• 7:53
  for
• 7:53
  today.
• 7:54
  Peace
• 7:54
  in
• 7:54
  your
• 7:55
  marriage
• 7:55
  is
• 7:55
  part
• 7:56
  of
• 7:56
  wise
• 7:56
  financial
• 7:57
  stewardship.
• 7:57
  Because
• 7:57
  listen,
• 7:58
  think
• 7:58
  about
• 7:58
  it
• 7:58
  like
• 7:58
  this.
• 7:59
  If
• 7:59
  you
• 8:00
  don't
• 8:00
  have
• 8:00
  that
• 8:00
  peace
• 8:00
  in
• 8:01
  your
• 8:01
  marriage,
• 8:01
  in
• 8:02
  your
• 8:02
  relationship,
• 8:03
  I
• 8:04
  don't
• 8:04
  care
• 8:04
  how
• 8:04
  well
• 8:05
  you
• 8:05
  manage
• 8:05
  your
• 8:05
  finances,
• 8:06
  you're
• 8:06
  going
• 8:06
  to
• 8:06
  be
• 8:06
  doing
• 8:06
  it
• 8:06
  alone
• 8:07
  at
• 8:07
  some
• 8:07
  point.
• 8:08
  So
• 8:08
  you've
• 8:08
  really
• 8:08
  got
• 8:08
  to
• 8:09
  figure
• 8:09
  out,
• 8:09
  how
• 8:09
  do
• 8:09
  I
• 8:09
  make
• 8:10
  this
• 8:10
  work
• 8:10
  for
• 8:10
  both
• 8:10
  of
• 8:11
  us?
• 8:11
  So
• 8:12
  here's
• 8:12
  your
• 8:12
  big
• 8:12
  win
• 8:13
  for
• 8:13
  today.
• 8:13
  I
• 8:13
  want
• 8:14
  to
• 8:14
  really
• 8:14
  encourage
• 8:14
  you
• 8:15
  to
• 8:15
  go
• 8:15
  and
• 8:15
  look
• 8:15
  at
• 8:16
  that
• 8:16
  savings
• 8:16
  bucket.
• 8:17
  If
• 8:17
  you
• 8:17
  don't
• 8:17
  have
• 8:17
  an
• 8:17
  emergency
• 8:18
  fund,
• 8:18
  this
• 8:18
  is
• 8:19
  a
• 8:19
  great
• 8:19
  time
• 8:19
  to
• 8:19
  create
• 8:20
  one.
• 8:20
  Go
• 8:20
  into
• 8:20
  your
• 8:21
  banking
• 8:21
  app
• 8:21
  and
• 8:22
  go
• 8:22
  create
• 8:22
  that
• 8:22
  emergency
• 8:23
  fund.
• 8:23
  If
• 8:23
  you
• 8:24
  do
• 8:24
  have
• 8:24
  one,
• 8:24
  then
• 8:24
  fund
• 8:25
  it
• 8:25
  some
• 8:25
  more
• 8:25
  and
• 8:26
  go
• 8:26
  ahead
• 8:26
  and
• 8:26
  create
• 8:26
  that
• 8:26
  joy
• 8:27
  fund
• 8:27
  and
• 8:28
  think
• 8:28
  about
• 8:28
  how
• 8:29
  much
• 8:29
  can
• 8:29
  you
• 8:29
  put
• 8:29
  into
• 8:29
  that
• 8:30
  joy
• 8:30
  fund
• 8:30
  so
• 8:30
  that
• 8:31
  you
• 8:31
  don't
• 8:31
  have
• 8:31
  these
• 8:31
  surprises.
• 8:32
  And
• 8:32
  when
• 8:32
  you
• 8:32
  do
• 8:32
  have
• 8:33
  these,
• 8:33
  what
• 8:33
  you
• 8:33
  called
• 8:34
  found
• 8:34
  money,
• 8:35
  you
• 8:35
  have
• 8:35
  a
• 8:35
  place
• 8:35
  to
• 8:35
  put
• 8:36
  that.
• 8:36
  Well,
• 8:37
  let's
• 8:37
  get
• 8:37
  to
• 8:37
  our
• 8:37
  Bible
• 8:37
  verse
• 8:38
  today.
• 8:38
  I
• 8:38
  always
• 8:38
  want
• 8:38
  to
• 8:38
  ground
• 8:39
  us
• 8:39
  in
• 8:39
  scripture.
• 8:40
  And
• 8:40
  this
• 8:40
  one
• 8:40
  comes
• 8:41
  to
• 8:41
  us
• 8:41
  from
• 8:41
  Proverbs,
• 8:42
  chapter
• 8:42
  21,
• 8:43
  verse
• 8:43
  20.
• 8:44
  And
• 8:44
  it
• 8:44
  says
• 8:45
  the
• 8:45
  why
• 8:45
  store
• 8:46
  up
• 8:46
  choice
• 8:47
  food
• 8:47
  and
• 8:47
  olive
• 8:48
  oil
• 8:48
  but
• 8:49
  fools
• 8:49
  gulp
• 8:50
  theirs
• 8:50
  down.
• 8:50
  Now
• 8:51
  let's
• 8:51
  talk
• 8:51
  about
• 8:51
  why
• 8:51
  this
• 8:52
  fits
• 8:52
  today.
• 8:53
  Because
• 8:53
  this
• 8:54
  fits.
• 8:54
  Because
• 8:54
  if
• 8:54
  you
• 8:55
  think
• 8:55
  about
• 8:55
  it,
• 8:56
  it's
• 8:56
  not
• 8:56
  telling
• 8:56
  you
• 8:57
  to
• 8:57
  reject
• 8:57
  joy,
• 8:58
  not
• 8:59
  at
• 8:59
  all.
• 8:59
  But
• 8:59
  what
• 9:00
  it
• 9:00
  is
• 9:00
  telling
• 9:00
  you
• 9:01
  is
• 9:01
  to
• 9:01
  refuse
• 9:02
  those
• 9:02
  impulse
• 9:03
  decision.
• 9:03
  It's
• 9:03
  saying
• 9:03
  to
• 9:04
  be
• 9:04
  wise
• 9:05
  and
• 9:05
  we're
• 9:05
  wise.
• 9:06
  We,
• 9:06
  we
• 9:06
  store
• 9:07
  up
• 9:07
  things.
• 9:08
  We
• 9:08
  don't
• 9:08
  just
• 9:08
  gulp
• 9:09
  them
• 9:09
  down
• 9:10
  because.
• 9:10
  And
• 9:10
  this
• 9:10
  is
• 9:11
  what
• 9:11
  scripture
• 9:11
  is
• 9:11
  telling
• 9:11
  us,
• 9:12
  it's
• 9:12
  saying
• 9:12
  to
• 9:12
  us
• 9:13
  that
• 9:13
  those
• 9:13
  impulsive
• 9:14
  decisions.
• 9:14
  Remember
• 9:15
  when
• 9:15
  I
• 9:15
  started
• 9:15
  this
• 9:15
  episode
• 9:16
  with
• 9:16
  I
• 9:16
  said
• 9:17
  sleep
• 9:17
  on
• 9:17
  it.
• 9:17
  Don't
• 9:18
  make
• 9:18
  an
• 9:18
  impulsive
• 9:19
  decision.
• 9:19
  Well,
• 9:20
  the
• 9:20
  scripture
• 9:20
  is
• 9:20
  telling
• 9:21
  us
• 9:21
  because
• 9:21
  what
• 9:22
  it's
• 9:22
  saying
• 9:22
  to
• 9:22
  us,
• 9:22
  that
• 9:23
  bulls
• 9:23
  gulp
• 9:24
  theirs
• 9:24
  down.
• 9:24
  What
• 9:24
  does
• 9:25
  that
• 9:25
  mean
• 9:25
  to
• 9:25
  us?
• 9:26
  It
• 9:26
  means
• 9:26
  that
• 9:26
  those
• 9:27
  impulsive
• 9:27
  decisions
• 9:28
  steal
• 9:29
  tomorrow's
• 9:30
  peace.
• 9:30
  How
• 9:31
  about
• 9:31
  we
• 9:31
  pray
• 9:31
  together,
• 9:32
  Lord,
• 9:33
  you
• 9:33
  see
• 9:33
  the
• 9:33
  tension
• 9:34
  in
• 9:34
  our
• 9:34
  homes
• 9:35
  right
• 9:35
  now
• 9:36
  and
• 9:36
  you
• 9:36
  see
• 9:36
  how
• 9:37
  money
• 9:37
  decisions
• 9:37
  can
• 9:38
  stir
• 9:38
  up
• 9:38
  fear
• 9:39
  and
• 9:39
  cause
• 9:40
  tension
• 9:40
  in
• 9:40
  our
• 9:40
  lives.
• 9:41
  So
• 9:41
  Lord,
• 9:42
  we
• 9:42
  just
• 9:42
  ask
• 9:42
  that
• 9:42
  you
• 9:42
  would
• 9:43
  give
• 9:43
  us
• 9:43
  wisdom
• 9:43
  for
• 9:43
  today
• 9:44
  and
• 9:44
  peace
• 9:45
  for
• 9:45
  this
• 9:45
  very
• 9:46
  moment.
• 9:47
  Help
• 9:47
  us
• 9:47
  to
• 9:47
  speak
• 9:48
  gently,
• 9:48
  Lord,
• 9:49
  and
• 9:49
  to
• 9:49
  listen
• 9:49
  well
• 9:49
  and
• 9:50
  to
• 9:50
  choose
• 9:50
  what
• 9:51
  protects
• 9:51
  our
• 9:52
  family.
• 9:52
  And
• 9:53
  teach
• 9:53
  us
• 9:53
  to
• 9:53
  trust
• 9:54
  you
• 9:54
  with
• 9:54
  this
• 9:54
  refund,
• 9:55
  Lord,
• 9:55
  and
• 9:55
  help
• 9:55
  us
• 9:56
  to
• 9:56
  use
• 9:56
  it
• 9:56
  in
• 9:56
  a
• 9:56
  way
• 9:56
  that
• 9:57
  brings
• 9:57
  stability
• 9:57
  and
• 9:58
  honor
• 9:59
  to
• 9:59
  you
• 9:59
  and
• 10:00
  really
• 10:00
  keeps
• 10:00
  our
• 10:00
  family
• 10:01
  unity
• 10:01
  strong.
• 10:02
  So
• 10:02
  Lord,
• 10:03
  I
• 10:03
  just
• 10:03
  ask
• 10:03
  that
• 10:03
  you
• 10:03
  would
• 10:04
  guard
• 10:04
  our
• 10:04
  words
• 10:04
  today,
• 10:05
  soften
• 10:05
  our
• 10:06
  hearts
• 10:06
  and
• 10:07
  lead
• 10:07
  me
• 10:07
  into
• 10:07
  a
• 10:07
  clear
• 10:08
  pan
• 10:08
  with
• 10:09
  no
• 10:09
  regret
• 10:09
  attached,
• 10:10
  Lord,
• 10:10
  and
• 10:10
  we
• 10:10
  just
• 10:10
  ask
• 10:11
  this
• 10:11
  in
• 10:11
  the
• 10:11
  precious
• 10:12
  name
• 10:12
  of
• 10:12
  Jesus.
• 10:13
  Amen,
• 10:15
  friend,
• 10:15
  you
• 10:16
  can
• 10:16
  be
• 10:16
  wise
• 10:16
  and
• 10:16
  still
• 10:17
  enjoy
• 10:17
  life.
• 10:18
  You
• 10:18
  just
• 10:19
  have
• 10:19
  to
• 10:19
  do
• 10:19
  it
• 10:19
  in
• 10:19
  that
• 10:20
  order.
• 10:20
  And
• 10:21
  as
• 10:21
  I
• 10:21
  said
• 10:21
  earlier,
• 10:21
  if
• 10:22
  you'd
• 10:22
  like
• 10:22
  your
• 10:22
  question
• 10:23
  featured
• 10:23
  on
• 10:23
  the
• 10:23
  show,
• 10:23
  I
• 10:24
  would
• 10:24
  love
• 10:24
  to
• 10:24
  hear
• 10:24
  from
• 10:24
  you.
• 10:24
  That's
• 10:25
  what
• 10:25
  really
• 10:25
  feeds
• 10:25
  the
• 10:25
  show.
• 10:26
  It's
• 10:26
  questions
• 10:27
  just
• 10:27
  like
• 10:27
  the
• 10:28
  one
• 10:28
  we
• 10:28
  got
• 10:28
  today.
• 10:28
  If
• 10:28
  you've
• 10:29
  got
• 10:29
  a
• 10:29
  question,
• 10:30
  go
• 10:30
  to
• 10:30
  financiallyconfidentchristian.com/question
• 10:33
  we'll
• 10:34
  put
• 10:34
  this
• 10:34
  in
• 10:34
  the
• 10:34
  show
• 10:34
  notes,
• 10:35
  but
• 10:35
  it's
• 10:35
  also
• 10:35
  financiallyconfidentchristian.com/question
• 10:39
  so
• 10:39
  thank
• 10:40
  you
• 10:40
  so
• 10:40
  much
• 10:40
  for
• 10:40
  joining
• 10:41
  me
• 10:41
  today.
• 10:41
  I
• 10:41
  appreciate
• 10:42
  it
• 10:42
  that
• 10:42
  you
• 10:42
  give
• 10:42
  me
• 10:43
  a
• 10:43
  little
• 10:43
  bit
• 10:43
  of
• 10:43
  your
• 10:43
  time.
• 10:43
  If
• 10:44
  you're
• 10:44
  found
• 10:44
  value
• 10:45
  in
• 10:45
  this,
• 10:45
  I
• 10:45
  encourage
• 10:46
  you
• 10:46
  share
• 10:46
  this
• 10:46
  with
• 10:47
  somebody
• 10:47
  else.
• 10:47
  Just
• 10:47
  send
• 10:47
  them
• 10:48
  right
• 10:48
  to
• 10:48
  our
• 10:48
  website,
• 10:49
  financiallyconfidentchristian.com
• 10:51
  so
• 10:51
  stay
• 10:52
  financially
• 10:52
  savvy.
• 10:53
  God
• 10:53
  bless
• 10:53
  you
• 10:54
  and
• 10:54
  you
• 10:54
  have
• 10:54
  a
• 10:54
  great
• 10:54
  day
• 10:55
  today.