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How Can I Review My Financial Goals for the Rest of the Year? · Becoming Financially Confident

• 0:38
  You
• 0:38
  set
• 0:38
  those
• 0:38
  ambitious
• 0:39
  financial
• 0:39
  goals
• 0:40
  early
• 0:40
  in
• 0:40
  the
• 0:40
  year,
• 0:41
  but
• 0:42
  now
• 0:42
  we're
• 0:42
  past
• 0:42
  the
• 0:42
  halfway
• 0:43
  point
• 0:43
  and
• 0:43
  you
• 0:44
  start
• 0:44
  asking
• 0:44
  yourself,
• 0:45
  Ralph,
• 0:45
  am
• 0:45
  I
• 0:46
  truly
• 0:46
  on
• 0:46
  track?
• 0:47
  Well,
• 0:47
  what
• 0:48
  if
• 0:48
  I
• 0:48
  told
• 0:48
  you
• 0:48
  a
• 0:48
  simple
• 0:49
  mid
• 0:49
  year
• 0:49
  review
• 0:49
  could
• 0:50
  refocus
• 0:50
  your
• 0:51
  efforts
• 0:51
  and
• 0:51
  ensure
• 0:52
  that
• 0:52
  you
• 0:52
  hit
• 0:52
  your
• 0:52
  targets
• 0:53
  with
• 0:53
  confidence
• 0:54
  and
• 0:54
  hey,
• 0:54
  no
• 0:55
  more
• 0:55
  stress.
• 0:55
  Well,
• 0:56
  stick
• 0:56
  with
• 0:56
  me
• 0:56
  today
• 0:57
  because
• 0:57
  today
• 0:57
  I'm
• 0:57
  going
• 0:57
  to
• 0:58
  show
• 0:58
  you
• 0:58
  exactly
• 0:58
  how
• 0:58
  to
• 0:59
  make
• 0:59
  that
• 0:59
  happen.
• 1:01
  This
• 1:01
  is
• 1:02
  Financially
• 1:02
  Confident
• 1:03
  Christian,
• 1:03
  your
• 1:04
  daily
• 1:04
  dose
• 1:04
  of
• 1:04
  gospel
• 1:05
  grounded
• 1:05
  insight
• 1:06
  and
• 1:06
  faith
• 1:06
  driven
• 1:07
  tips
• 1:07
  to
• 1:07
  help
• 1:08
  you
• 1:08
  break
• 1:08
  the
• 1:08
  cycle
• 1:08
  of
• 1:09
  financial
• 1:09
  shame
• 1:10
  with
• 1:10
  confidence.
• 1:13
  Hello
• 1:14
  there
• 1:14
  and
• 1:14
  welcome
• 1:14
  back
• 1:14
  to
• 1:15
  Financially
• 1:15
  Confident
• 1:16
  Christian.
• 1:16
  I'm
• 1:16
  Ralph
• 1:17
  and
• 1:17
  we're
• 1:17
  in
• 1:17
  our
• 1:18
  series
• 1:18
  Smart
• 1:18
  Money
• 1:19
  for
• 1:19
  Back
• 1:19
  to
• 1:19
  School
• 1:19
  and
• 1:19
  Beyond.
• 1:20
  Now
• 1:20
  today
• 1:21
  we're
• 1:21
  going
• 1:21
  to
• 1:21
  talk
• 1:21
  about
• 1:21
  how
• 1:22
  to
• 1:22
  review
• 1:22
  for
• 1:22
  financial
• 1:23
  goals
• 1:24
  before
• 1:24
  the
• 1:24
  year
• 1:24
  ends.
• 1:25
  You
• 1:25
  know,
• 1:25
  you
• 1:25
  set
• 1:26
  those
• 1:26
  goals
• 1:26
  back
• 1:26
  in
• 1:27
  January,
• 1:27
  but
• 1:27
  if
• 1:28
  you're
• 1:28
  like
• 1:28
  most
• 1:28
  of
• 1:28
  us,
• 1:29
  life
• 1:29
  happens.
• 1:30
  Ralph
• 1:30
  Yo
• 1:30
  made
• 1:30
  great
• 1:31
  plans,
• 1:31
  you
• 1:31
  had
• 1:32
  great
• 1:32
  ideas,
• 1:32
  but
• 1:33
  then,
• 1:33
  hey,
• 1:33
  like
• 1:34
  most
• 1:34
  of
• 1:34
  us,
• 1:34
  life
• 1:34
  got
• 1:34
  in
• 1:35
  the
• 1:35
  way.
• 1:36
  And
• 1:36
  maybe
• 1:36
  right
• 1:36
  now
• 1:36
  you're
• 1:37
  starting
• 1:37
  to
• 1:37
  feel
• 1:37
  that
• 1:38
  loss
• 1:38
  of
• 1:38
  momentum.
• 1:39
  You
• 1:39
  feel
• 1:39
  like
• 1:39
  you've
• 1:40
  lost
• 1:40
  track
• 1:40
  of
• 1:40
  where
• 1:41
  you
• 1:41
  were
• 1:41
  going
• 1:41
  and
• 1:42
  maybe
• 1:42
  that
• 1:42
  frustration
• 1:43
  starting
• 1:43
  to
• 1:44
  build
• 1:44
  back
• 1:44
  in
• 1:44
  and
• 1:44
  you
• 1:45
  feel
• 1:45
  like
• 1:45
  you're
• 1:45
  kind
• 1:45
  of
• 1:45
  drifting
• 1:46
  and
• 1:47
  maybe,
• 1:47
  just
• 1:47
  maybe
• 1:48
  even
• 1:48
  you're
• 1:48
  feeling
• 1:49
  like
• 1:49
  you're
• 1:49
  under
• 1:49
  a
• 1:50
  little
• 1:50
  more
• 1:50
  stress
• 1:50
  than
• 1:51
  you
• 1:51
  thought
• 1:51
  you
• 1:51
  would
• 1:52
  be.
• 1:52
  See,
• 1:53
  the
• 1:53
  problem
• 1:53
  is
• 1:53
  your
• 1:54
  good
• 1:54
  intentions.
• 1:54
  They
• 1:55
  were
• 1:55
  great
• 1:55
  at
• 1:55
  the
• 1:55
  start.
• 1:56
  You
• 1:56
  had
• 1:56
  every
• 1:56
  intention
• 1:57
  of
• 1:58
  making
• 1:58
  wise
• 1:58
  decisions.
• 1:59
  You
• 2:00
  had
• 2:00
  every
• 2:00
  intention
• 2:01
  of
• 2:01
  doing
• 2:01
  the
• 2:01
  right
• 2:02
  things.
• 2:03
  But
• 2:03
  good
• 2:03
  intentions,
• 2:04
  as
• 2:04
  I
• 2:04
  see
• 2:04
  on
• 2:04
  the
• 2:04
  show
• 2:04
  all
• 2:05
  the
• 2:05
  time,
• 2:05
  don't
• 2:06
  always
• 2:06
  turn
• 2:06
  into
• 2:07
  consistent
• 2:07
  action.
• 2:08
  And
• 2:08
  here's
• 2:09
  the
• 2:09
  thing
• 2:09
  you
• 2:09
  got
• 2:09
  to
• 2:09
  understand,
• 2:11
  most
• 2:11
  people
• 2:11
  don't
• 2:11
  get
• 2:12
  this.
• 2:12
  It's
• 2:13
  great
• 2:13
  to
• 2:13
  set
• 2:14
  goals.
• 2:14
  Goals
• 2:14
  are,
• 2:14
  hey,
• 2:15
  listen,
• 2:15
  goals
• 2:16
  are
• 2:16
  something
• 2:16
  that
• 2:16
  I
• 2:17
  live
• 2:17
  by.
• 2:18
  They're
• 2:18
  living
• 2:18
  roadmaps
• 2:19
  that
• 2:20
  are
• 2:20
  great
• 2:20
  to
• 2:20
  set
• 2:20
  up.
• 2:21
  But
• 2:21
  here's
• 2:21
  the
• 2:21
  thing.
• 2:21
  You
• 2:21
  got
• 2:22
  to
• 2:22
  understand,
• 2:23
  they're
• 2:23
  not
• 2:23
  set
• 2:24
  to
• 2:24
  set
• 2:24
  it
• 2:25
  and
• 2:25
  forget
• 2:25
  it.
• 2:25
  They're
• 2:25
  just
• 2:26
  not.
• 2:26
  They're
• 2:27
  living
• 2:27
  roadmaps.
• 2:28
  Hey,
• 2:28
  you
• 2:28
  know,
• 2:28
  a
• 2:28
  lot
• 2:29
  of
• 2:29
  maps
• 2:29
  we
• 2:29
  use
• 2:29
  to
• 2:30
  get
• 2:30
  from
• 2:30
  point
• 2:30
  A
• 2:30
  to
• 2:30
  point
• 2:31
  B,
• 2:31
  those
• 2:31
  aren't
• 2:31
  changing.
• 2:32
  But
• 2:32
  here's
• 2:33
  one
• 2:33
  of
• 2:33
  the
• 2:33
  things
• 2:33
  I
• 2:33
  do
• 2:33
  recognize.
• 2:34
  I
• 2:34
  was
• 2:34
  out
• 2:34
  driving
• 2:35
  this
• 2:35
  weekend
• 2:35
  in
• 2:35
  the
• 2:35
  car
• 2:36
  and
• 2:36
  here
• 2:36
  in
• 2:36
  Delaware,
• 2:37
  it
• 2:37
  was
• 2:37
  like
• 2:37
  the
• 2:37
  perfect
• 2:38
  storm
• 2:38
  of
• 2:38
  traffic.
• 2:39
  We
• 2:39
  had
• 2:39
  the
• 2:40
  big
• 2:40
  NASCAR
• 2:40
  race
• 2:41
  in
• 2:41
  Dover,
• 2:41
  Delaware.
• 2:42
  We
• 2:42
  had
• 2:42
  the
• 2:42
  state
• 2:43
  fair.
• 2:43
  And
• 2:43
  on
• 2:44
  the
• 2:44
  weekends
• 2:44
  during
• 2:44
  the
• 2:45
  summer,
• 2:45
  there's
• 2:45
  a
• 2:46
  lot
• 2:46
  of
• 2:46
  people
• 2:46
  that
• 2:46
  are
• 2:46
  traveling
• 2:47
  to
• 2:47
  the
• 2:47
  beach.
• 2:48
  Well,
• 2:48
  if
• 2:48
  I
• 2:48
  had
• 2:49
  just
• 2:49
  assumed,
• 2:49
  hey,
• 2:49
  I've
• 2:50
  got
• 2:50
  a
• 2:50
  roadmap,
• 2:50
  here's
• 2:51
  what
• 2:51
  I'm
• 2:51
  going
• 2:51
  to
• 2:51
  drive.
• 2:52
  I
• 2:52
  would
• 2:52
  have
• 2:52
  been
• 2:52
  in
• 2:53
  trouble
• 2:53
  because,
• 2:53
  listen,
• 2:54
  the
• 2:54
  roads
• 2:54
  were
• 2:54
  a
• 2:54
  disaster.
• 2:55
  But
• 2:55
  I
• 2:56
  use
• 2:56
  an
• 2:56
  apple.
• 2:56
  My
• 2:57
  phone
• 2:57
  called
• 2:57
  Waze
• 2:57
  and
• 2:58
  I
• 2:58
  highly
• 2:58
  recommend
• 2:58
  it.
• 2:59
  I'm
• 2:59
  not
• 2:59
  a
• 2:59
  supporter.
• 3:00
  I'm
• 3:00
  not.
• 3:00
  You're
• 3:00
  not
• 3:00
  going
• 3:01
  to
• 3:01
  earn
• 3:01
  a
• 3:01
  commission
• 3:01
  from
• 3:02
  getting
• 3:02
  that
• 3:02
  from
• 3:02
  me.
• 3:02
  But
• 3:02
  listen,
• 3:03
  the
• 3:03
  whole
• 3:03
  point
• 3:04
  of
• 3:04
  that
• 3:04
  is,
• 3:04
  yes,
• 3:05
  I
• 3:05
  had
• 3:05
  a
• 3:05
  goal
• 3:05
  to
• 3:06
  get
• 3:06
  from
• 3:06
  point
• 3:06
  A
• 3:07
  to
• 3:07
  point
• 3:07
  B,
• 3:08
  but
• 3:08
  without
• 3:09
  that
• 3:09
  app,
• 3:09
  I
• 3:09
  wouldn't
• 3:10
  have
• 3:10
  known
• 3:10
  about
• 3:10
  this
• 3:10
  big
• 3:11
  traffic
• 3:11
  jam
• 3:11
  here.
• 3:12
  Goals
• 3:13
  are
• 3:13
  the
• 3:13
  same
• 3:13
  way.
• 3:13
  I
• 3:13
  can't
• 3:14
  just
• 3:14
  set
• 3:14
  it
• 3:14
  and
• 3:14
  forget
• 3:15
  it.
• 3:15
  Let's
• 3:16
  talk
• 3:16
  about
• 3:16
  some
• 3:17
  biblical
• 3:17
  anchors
• 3:18
  to
• 3:18
  this,
• 3:18
  because
• 3:18
  I
• 3:18
  think
• 3:19
  this
• 3:19
  is
• 3:19
  so
• 3:19
  important
• 3:20
  that
• 3:20
  we
• 3:20
  get
• 3:20
  into
• 3:20
  this.
• 3:20
  The
• 3:21
  first
• 3:21
  one
• 3:21
  is
• 3:21
  diligence.
• 3:21
  And
• 3:22
  listen,
• 3:22
  I
• 3:22
  use
• 3:23
  this
• 3:23
  verse
• 3:23
  on
• 3:24
  the
• 3:24
  show
• 3:24
  all
• 3:24
  the
• 3:25
  time.
• 3:25
  It
• 3:25
  comes
• 3:25
  from
• 3:26
  Proverbs
• 3:26
  21:5,
• 3:27
  and
• 3:27
  you
• 3:27
  could
• 3:28
  probably
• 3:28
  know
• 3:28
  this
• 3:28
  one
• 3:28
  by
• 3:29
  heart,
• 3:29
  because
• 3:29
  it's
• 3:30
  all
• 3:30
  about
• 3:30
  planning.
• 3:31
  The
• 3:31
  plans
• 3:32
  of
• 3:32
  the
• 3:32
  diligent
• 3:32
  lead
• 3:33
  surely
• 3:33
  to
• 3:33
  abundance,
• 3:34
  but
• 3:34
  everyone
• 3:35
  who
• 3:35
  is
• 3:35
  hasty
• 3:36
  comes
• 3:36
  only
• 3:37
  to
• 3:37
  poverty.
• 3:38
  Let's
• 3:38
  put
• 3:38
  that
• 3:38
  in
• 3:39
  context
• 3:39
  of
• 3:39
  these
• 3:39
  goals
• 3:40
  that
• 3:40
  we
• 3:40
  set.
• 3:40
  Maybe
• 3:41
  we
• 3:41
  did
• 3:41
  a
• 3:41
  great
• 3:41
  job
• 3:42
  of
• 3:42
  setting
• 3:42
  those,
• 3:42
  and
• 3:43
  at
• 3:43
  the
• 3:43
  beginning
• 3:43
  of
• 3:43
  the
• 3:44
  year
• 3:44
  goals,
• 3:44
  we,
• 3:45
  we
• 3:45
  created
• 3:45
  those,
• 3:46
  those
• 3:46
  New
• 3:46
  Year's
• 3:47
  resolutions.
• 3:47
  But
• 3:48
  if
• 3:48
  you're
• 3:48
  like
• 3:48
  me,
• 3:49
  the
• 3:49
  New
• 3:49
  Year's
• 3:49
  resolutions
• 3:50
  usually
• 3:50
  don't
• 3:51
  last
• 3:51
  maybe
• 3:51
  through
• 3:52
  a
• 3:52
  week
• 3:52
  or
• 3:52
  two
• 3:52
  into
• 3:53
  the
• 3:53
  new
• 3:53
  year.
• 3:53
  But
• 3:53
  you
• 3:54
  set
• 3:54
  those
• 3:54
  goals,
• 3:55
  but
• 3:56
  it's
• 3:56
  all
• 3:56
  about
• 3:56
  keeping
• 3:57
  those
• 3:57
  plans
• 3:57
  going.
• 3:57
  Let's
• 3:58
  look
• 3:58
  at
• 3:58
  the
• 3:58
  idea
• 3:59
  of
• 3:59
  vision.
• 3:59
  This
• 3:59
  is
• 4:00
  right
• 4:00
  in
• 4:00
  the
• 4:00
  book
• 4:00
  of
• 4:00
  Proverbs
• 4:01
  as
• 4:01
  well.
• 4:01
  This
• 4:02
  is
• 4:02
  in,
• 4:02
  in
• 4:03
  chapter
• 4:03
  29,
• 4:04
  verse
• 4:04
  18,
• 4:05
  and
• 4:06
  it
• 4:06
  says
• 4:06
  this.
• 4:07
  Where
• 4:07
  there
• 4:07
  is
• 4:08
  no
• 4:08
  prophetic
• 4:09
  vision,
• 4:09
  the
• 4:10
  people
• 4:10
  cast
• 4:10
  off
• 4:11
  restraint.
• 4:12
  But
• 4:12
  blessed
• 4:12
  is
• 4:12
  he
• 4:13
  who
• 4:13
  keeps
• 4:13
  the
• 4:13
  law.
• 4:14
  Now,
• 4:14
  listen,
• 4:15
  goals
• 4:16
  are
• 4:16
  not
• 4:16
  really
• 4:16
  a
• 4:16
  law.
• 4:17
  You
• 4:17
  know,
• 4:17
  it's
• 4:17
  not
• 4:17
  these
• 4:18
  things
• 4:18
  cast
• 4:18
  into
• 4:19
  stone.
• 4:19
  You
• 4:20
  know,
• 4:20
  picture
• 4:20
  somebody
• 4:20
  there
• 4:21
  with
• 4:21
  a
• 4:21
  chisel
• 4:21
  and
• 4:21
  pounding
• 4:22
  these
• 4:22
  things
• 4:22
  in
• 4:22
  there.
• 4:23
  But
• 4:23
  the
• 4:24
  whole
• 4:24
  point
• 4:24
  of
• 4:24
  what
• 4:24
  the
• 4:24
  scripture
• 4:25
  is
• 4:25
  telling
• 4:25
  this
• 4:25
  is
• 4:26
  this.
• 4:26
  Keep
• 4:27
  those
• 4:27
  restraints
• 4:27
  in
• 4:28
  place.
• 4:29
  Keep
• 4:29
  those
• 4:29
  goals
• 4:30
  in
• 4:30
  mind.
• 4:31
  And
• 4:31
  now
• 4:31
  that
• 4:32
  we're
• 4:32
  in
• 4:32
  the
• 4:32
  middle
• 4:32
  of
• 4:32
  the
• 4:32
  year,
• 4:33
  it's
• 4:33
  time
• 4:33
  to
• 4:33
  start
• 4:33
  thinking
• 4:33
  about
• 4:34
  where
• 4:34
  are
• 4:34
  we
• 4:34
  at
• 4:34
  with
• 4:34
  those
• 4:34
  goals?
• 4:35
  Which
• 4:35
  leads
• 4:35
  me
• 4:35
  exactly
• 4:36
  to
• 4:37
  the
• 4:37
  third
• 4:37
  level
• 4:38
  of
• 4:38
  biblical
• 4:39
  stewardship
• 4:40
  I'm
• 4:40
  talking
• 4:40
  about
• 4:40
  today,
• 4:40
  and
• 4:41
  that's
• 4:41
  accountability.
• 4:42
  And
• 4:42
  this
• 4:42
  one
• 4:43
  comes
• 4:43
  to
• 4:43
  us
• 4:43
  from
• 4:43
  First
• 4:44
  Corinthians,
• 4:45
  chapter
• 4:45
  4,
• 4:45
  verse
• 4:46
  2,
• 4:46
  and
• 4:46
  it
• 4:46
  says
• 4:46
  this.
• 4:47
  Moreover,
• 4:48
  it
• 4:49
  is
• 4:49
  required
• 4:49
  of
• 4:49
  stewards
• 4:50
  that
• 4:50
  they
• 4:51
  be
• 4:51
  found
• 4:52
  faithful.
• 4:53
  I
• 4:53
  don't
• 4:53
  know
• 4:53
  about
• 4:54
  you,
• 4:54
  but
• 4:54
  that
• 4:54
  really
• 4:54
  addresses
• 4:55
  the
• 4:55
  issue,
• 4:55
  and
• 4:56
  that's
• 4:56
  accountability.
• 4:57
  You
• 4:57
  set
• 4:58
  those
• 4:58
  goals.
• 4:58
  It's
• 4:58
  not
• 4:59
  time
• 4:59
  to
• 4:59
  just
• 4:59
  abandon,
• 4:59
  say,
• 5:00
  well,
• 5:00
  you
• 5:00
  know,
• 5:00
  I
• 5:00
  set
• 5:01
  those
• 5:01
  goals
• 5:01
  at
• 5:01
  the
• 5:01
  beginning
• 5:02
  of
• 5:02
  the
• 5:02
  year.
• 5:02
  Ralph
• 5:02
  but
• 5:02
  hey,
• 5:03
  everything
• 5:03
  has
• 5:03
  gone
• 5:04
  haywire.
• 5:04
  Yes,
• 5:05
  life
• 5:05
  happens.
• 5:06
  Life
• 5:06
  happens
• 5:07
  to
• 5:07
  all
• 5:07
  of
• 5:07
  us.
• 5:08
  But
• 5:09
  now
• 5:09
  you're
• 5:09
  sitting
• 5:09
  there
• 5:09
  thinking,
• 5:10
  well,
• 5:10
  what
• 5:10
  can
• 5:10
  I
• 5:11
  do,
• 5:11
  Ralph,
• 5:11
  to
• 5:11
  keep
• 5:12
  moving
• 5:12
  forward
• 5:12
  with
• 5:13
  those
• 5:13
  goals
• 5:13
  and
• 5:13
  make
• 5:13
  sure
• 5:14
  that
• 5:14
  I'm
• 5:14
  still
• 5:14
  getting
• 5:15
  to
• 5:15
  that
• 5:15
  place
• 5:15
  I
• 5:15
  wanted
• 5:16
  to
• 5:16
  get
• 5:16
  to?
• 5:17
  Well,
• 5:17
  I've
• 5:17
  got
• 5:17
  a
• 5:17
  simple
• 5:18
  solution
• 5:18
  for
• 5:18
  you
• 5:19
  and
• 5:19
  that
• 5:19
  is
• 5:19
  schedule
• 5:20
  a
• 5:20
  mid
• 5:20
  year
• 5:20
  financial
• 5:21
  goal
• 5:21
  review.
• 5:22
  Listen,
• 5:22
  you
• 5:23
  can't
• 5:23
  just
• 5:23
  hope
• 5:23
  that
• 5:24
  you're
• 5:24
  going
• 5:24
  to
• 5:24
  make
• 5:24
  progress.
• 5:26
  Hope
• 5:26
  is
• 5:26
  great.
• 5:27
  Hope
• 5:27
  is
• 5:27
  a
• 5:28
  wonderful
• 5:28
  thing.
• 5:28
  I
• 5:28
  talk
• 5:28
  about
• 5:29
  the
• 5:29
  idea
• 5:29
  of
• 5:30
  hope
• 5:30
  as
• 5:30
  in
• 5:30
  a
• 5:31
  religious
• 5:31
  context
• 5:31
  here
• 5:32
  on
• 5:32
  the
• 5:32
  show
• 5:32
  all
• 5:32
  the
• 5:32
  time.
• 5:34
  But
• 5:34
  hope
• 5:34
  doesn't
• 5:35
  make
• 5:35
  things
• 5:35
  happen.
• 5:36
  You've
• 5:37
  got
• 5:37
  to
• 5:37
  really
• 5:37
  look
• 5:38
  at
• 5:38
  your
• 5:38
  progress,
• 5:39
  check
• 5:39
  your
• 5:39
  progress
• 5:40
  and
• 5:40
  that
• 5:40
  adjust
• 5:41
  because
• 5:41
  you
• 5:41
  can
• 5:42
  create
• 5:42
  space
• 5:42
  for
• 5:42
  clarity
• 5:43
  and
• 5:43
  you
• 5:44
  can
• 5:44
  create
• 5:44
  space,
• 5:44
  space
• 5:45
  for
• 5:45
  course
• 5:45
  correction.
• 5:46
  Hey,
• 5:46
  and
• 5:46
  sometimes
• 5:47
  even
• 5:47
  the
• 5:47
  best
• 5:47
  of
• 5:48
  us,
• 5:48
  that's
• 5:48
  what
• 5:48
  I
• 5:48
  do
• 5:49
  for
• 5:49
  a
• 5:49
  living.
• 5:49
  Sometimes
• 5:50
  I've
• 5:50
  got
• 5:51
  to
• 5:51
  make
• 5:51
  a
• 5:51
  course
• 5:51
  correction.
• 5:52
  So
• 5:52
  here's
• 5:52
  your
• 5:53
  one
• 5:53
  action
• 5:53
  step
• 5:53
  for
• 5:54
  today
• 5:54
  with
• 5:54
  the
• 5:54
  goal
• 5:54
  of
• 5:55
  making
• 5:55
  a
• 5:55
  mid
• 5:55
  year
• 5:56
  financial
• 5:56
  checkup.
• 5:57
  And
• 5:57
  I'm
• 5:58
  going
• 5:58
  to
• 5:58
  encourage
• 5:58
  you
• 5:58
  to
• 5:58
  do
• 5:59
  this.
• 5:59
  Put
• 5:59
  this
• 5:59
  on
• 5:59
  the
• 5:59
  calendar
• 6:00
  every
• 6:00
  single
• 6:01
  year.
• 6:01
  Just
• 6:01
  schedule
• 6:02
  20
• 6:02
  or
• 6:02
  30
• 6:02
  minutes
• 6:03
  and
• 6:03
  do
• 6:03
  it
• 6:03
  this
• 6:03
  week
• 6:04
  to
• 6:04
  really
• 6:05
  go
• 6:05
  back
• 6:05
  and
• 6:05
  look
• 6:05
  at
• 6:06
  your
• 6:06
  goals
• 6:06
  for
• 6:06
  20,
• 6:07
  25
• 6:07
  and
• 6:08
  say,
• 6:08
  hey,
• 6:08
  where
• 6:08
  am
• 6:08
  I
• 6:08
  with
• 6:08
  these
• 6:09
  goals?
• 6:09
  Maybe
• 6:09
  you
• 6:10
  had
• 6:10
  a
• 6:10
  goal
• 6:10
  to
• 6:10
  get
• 6:11
  out
• 6:11
  of
• 6:11
  debt.
• 6:12
  Assess
• 6:12
  where
• 6:12
  you
• 6:12
  are
• 6:13
  with
• 6:13
  that.
• 6:13
  Maybe
• 6:14
  you
• 6:14
  had
• 6:14
  a
• 6:14
  goal
• 6:14
  to
• 6:14
  put
• 6:15
  more
• 6:15
  money
• 6:15
  into
• 6:16
  your
• 6:16
  intentional
• 6:17
  savings
• 6:17
  plan,
• 6:18
  that
• 6:18
  emergency
• 6:18
  savings
• 6:19
  plan.
• 6:19
  Where
• 6:20
  are
• 6:20
  you
• 6:20
  with
• 6:20
  that?
• 6:21
  Maybe
• 6:21
  you're
• 6:21
  launching
• 6:22
  a
• 6:22
  small
• 6:22
  side
• 6:23
  hustle
• 6:23
  to
• 6:23
  bring
• 6:23
  in
• 6:23
  extra
• 6:24
  money.
• 6:25
  Assess
• 6:25
  where
• 6:25
  you
• 6:26
  are
• 6:26
  with
• 6:26
  that.
• 6:27
  Put
• 6:27
  together,
• 6:28
  you
• 6:28
  know,
• 6:28
  this
• 6:28
  20
• 6:28
  or
• 6:29
  30
• 6:29
  minutes
• 6:29
  and
• 6:29
  really
• 6:30
  understand
• 6:31
  where
• 6:31
  you
• 6:31
  are
• 6:31
  with
• 6:32
  your
• 6:32
  goals.
• 6:32
  And
• 6:33
  I'm
• 6:33
  hoping
• 6:33
  they're
• 6:33
  written.
• 6:34
  But
• 6:34
  look
• 6:34
  at
• 6:35
  your
• 6:35
  recent
• 6:35
  spending
• 6:36
  and
• 6:36
  look
• 6:36
  at
• 6:37
  your
• 6:37
  tracking
• 6:37
  formation
• 6:37
  and
• 6:38
  see,
• 6:38
  you
• 6:38
  know,
• 6:38
  how
• 6:38
  close
• 6:39
  are
• 6:39
  you
• 6:39
  to
• 6:39
  getting
• 6:40
  to
• 6:40
  those
• 6:41
  goals.
• 6:41
  And
• 6:41
  ask
• 6:41
  yourself
• 6:42
  some
• 6:42
  really
• 6:42
  tough
• 6:42
  questions.
• 6:43
  You've
• 6:44
  got
• 6:44
  to
• 6:44
  be
• 6:44
  honest
• 6:45
  with
• 6:45
  yourself.
• 6:45
  Hey,
• 6:45
  listen,
• 6:46
  if
• 6:46
  you're
• 6:46
  not
• 6:47
  honest
• 6:47
  with
• 6:47
  yourself,
• 6:48
  you're
• 6:48
  never
• 6:48
  going
• 6:49
  to
• 6:49
  get
• 6:49
  anywhere.
• 6:49
  It's
• 6:49
  that
• 6:50
  accountability
• 6:50
  fact.
• 6:51
  So
• 6:51
  ask
• 6:51
  yourself
• 6:52
  this,
• 6:52
  hey,
• 6:52
  am
• 6:52
  I
• 6:52
  on
• 6:53
  track?
• 6:53
  Let's
• 6:54
  just
• 6:54
  say,
• 6:54
  for
• 6:54
  example,
• 6:55
  you
• 6:55
  wanted
• 6:55
  to
• 6:55
  create
• 6:55
  that
• 6:56
  emergency
• 6:57
  fund
• 6:57
  that
• 6:57
  you
• 6:57
  make
• 6:58
  sure
• 6:58
  you
• 6:58
  had
• 6:58
  about
• 6:58
  $2,000
• 6:59
  in
• 6:59
  your
• 6:59
  emergency
• 7:00
  fund
• 7:00
  by
• 7:01
  the
• 7:01
  end
• 7:01
  of
• 7:01
  the
• 7:01
  year.
• 7:01
  Well,
• 7:01
  if
• 7:02
  we're
• 7:02
  halfway
• 7:02
  through,
• 7:03
  ask
• 7:03
  yourself
• 7:03
  a
• 7:03
  real
• 7:04
  tough
• 7:04
  question.
• 7:04
  Am
• 7:05
  I
• 7:05
  at
• 7:05
  a
• 7:05
  thousand
• 7:05
  dollars?
• 7:06
  Am
• 7:06
  I
• 7:06
  getting
• 7:06
  there?
• 7:07
  Maybe
• 7:07
  you're
• 7:07
  ahead,
• 7:08
  maybe
• 7:08
  you're
• 7:08
  a
• 7:08
  little
• 7:08
  bit
• 7:09
  behind
• 7:10
  and
• 7:10
  that
• 7:10
  those
• 7:10
  questions
• 7:11
  are
• 7:11
  all
• 7:11
  positive
• 7:11
  questions.
• 7:12
  But
• 7:12
  then
• 7:12
  the
• 7:13
  bigger
• 7:13
  question
• 7:13
  you
• 7:13
  need
• 7:13
  to
• 7:14
  ask
• 7:14
  yourself
• 7:15
  is
• 7:15
  why?
• 7:15
  See,
• 7:16
  that's
• 7:16
  where
• 7:16
  the,
• 7:16
  that's
• 7:17
  where
• 7:17
  the
• 7:17
  real
• 7:17
  value
• 7:18
  is
• 7:18
  in
• 7:18
  this,
• 7:19
  this
• 7:19
  assessment
• 7:19
  of
• 7:20
  where
• 7:20
  you
• 7:20
  are.
• 7:21
  Start
• 7:21
  to
• 7:21
  ask
• 7:21
  yourself,
• 7:22
  hey,
• 7:22
  why
• 7:22
  am
• 7:23
  I
• 7:23
  where
• 7:23
  I
• 7:23
  am?
• 7:24
  Maybe
• 7:24
  something
• 7:24
  happened.
• 7:25
  Maybe
• 7:25
  you
• 7:25
  had
• 7:25
  that
• 7:25
  unexpected
• 7:26
  repair.
• 7:27
  Hey,
• 7:27
  that's
• 7:27
  the
• 7:27
  whole
• 7:27
  point
• 7:27
  of
• 7:28
  the
• 7:28
  emergency
• 7:28
  fund
• 7:29
  in
• 7:29
  the
• 7:29
  first
• 7:29
  place.
• 7:30
  But
• 7:30
  really
• 7:30
  assess
• 7:31
  why
• 7:31
  you
• 7:31
  are
• 7:32
  where
• 7:32
  you
• 7:32
  are.
• 7:33
  And
• 7:33
  maybe
• 7:33
  look
• 7:33
  at
• 7:34
  two
• 7:34
  or
• 7:34
  three,
• 7:35
  you
• 7:35
  know,
• 7:35
  key
• 7:35
  spending
• 7:36
  categories.
• 7:36
  Look
• 7:37
  for
• 7:37
  things
• 7:37
  that
• 7:37
  we
• 7:37
  talk
• 7:37
  about
• 7:37
  on
• 7:38
  the
• 7:38
  show,
• 7:38
  like
• 7:38
  that
• 7:38
  lifestyle
• 7:39
  creepy.
• 7:40
  Hey,
• 7:40
  we
• 7:40
  talked
• 7:40
  about
• 7:41
  that
• 7:41
  creep,
• 7:41
  kick
• 7:41
  him
• 7:42
  out
• 7:42
  of
• 7:42
  the
• 7:42
  house.
• 7:42
  But
• 7:42
  no,
• 7:43
  I'm
• 7:43
  serious
• 7:43
  about
• 7:43
  this
• 7:43
  now.
• 7:44
  But
• 7:44
  talk
• 7:44
  about,
• 7:45
  you
• 7:45
  know,
• 7:45
  what
• 7:45
  are
• 7:45
  those
• 7:46
  lifestyle
• 7:46
  creep
• 7:46
  things?
• 7:47
  Maybe
• 7:47
  you're
• 7:47
  eating
• 7:47
  out
• 7:47
  more,
• 7:48
  maybe
• 7:48
  you're
• 7:49
  spending
• 7:49
  more
• 7:49
  on
• 7:49
  entertainment
• 7:50
  than
• 7:50
  you
• 7:50
  expected.
• 7:51
  Hey,
• 7:51
  maybe
• 7:52
  just
• 7:52
  the
• 7:52
  fact
• 7:52
  of
• 7:52
  the
• 7:53
  matter
• 7:53
  is
• 7:53
  your
• 7:53
  grocery
• 7:54
  bill
• 7:54
  is
• 7:54
  more
• 7:54
  expensive.
• 7:55
  Maybe
• 7:55
  you
• 7:55
  need
• 7:55
  to
• 7:55
  go
• 7:56
  visit
• 7:56
  that
• 7:56
  idea
• 7:57
  of
• 7:57
  planning
• 7:58
  your
• 7:58
  meals
• 7:58
  and
• 7:58
  building
• 7:59
  that
• 7:59
  grocery
• 7:59
  list
• 8:00
  before
• 8:00
  you
• 8:01
  get
• 8:01
  to
• 8:01
  the
• 8:01
  end
• 8:01
  of
• 8:01
  the
• 8:02
  year.
• 8:02
  And
• 8:02
  you
• 8:02
  know,
• 8:02
  you
• 8:03
  know,
• 8:03
  because
• 8:03
  now
• 8:03
  we're
• 8:04
  mid
• 8:04
  year
• 8:04
  through
• 8:04
  this,
• 8:05
  you
• 8:05
  can
• 8:05
  make
• 8:05
  some
• 8:06
  adjustments,
• 8:06
  which
• 8:07
  is
• 8:07
  the
• 8:07
  whole
• 8:07
  point
• 8:07
  of
• 8:07
  the
• 8:07
  last
• 8:08
  piece
• 8:08
  of
• 8:08
  this
• 8:08
  puzzle
• 8:09
  is
• 8:10
  make
• 8:10
  those
• 8:10
  adjustments.
• 8:11
  Maybe
• 8:11
  you
• 8:11
  don't
• 8:11
  adjust
• 8:12
  everything,
• 8:12
  but
• 8:12
  just
• 8:13
  maybe
• 8:13
  increase
• 8:13
  your
• 8:14
  savings.
• 8:15
  Maybe
• 8:15
  this
• 8:15
  is
• 8:15
  a
• 8:15
  time
• 8:16
  to
• 8:16
  reduce
• 8:16
  some
• 8:16
  of
• 8:17
  those
• 8:17
  non
• 8:17
  exp,
• 8:18
  non
• 8:18
  essential
• 8:19
  expenses.
• 8:20
  Or
• 8:20
  maybe
• 8:20
  it's
• 8:21
  time
• 8:21
  to
• 8:21
  revise
• 8:21
  a
• 8:21
  deadline.
• 8:22
  Maybe
• 8:22
  you
• 8:22
  set
• 8:23
  a
• 8:23
  deadline
• 8:23
  for
• 8:23
  yourself.
• 8:24
  Hey,
• 8:24
  I
• 8:24
  want
• 8:24
  to
• 8:25
  have
• 8:25
  that
• 8:25
  emergency
• 8:26
  fund
• 8:26
  of
• 8:26
  $2,000
• 8:27
  by
• 8:28
  the
• 8:28
  end
• 8:28
  of
• 8:28
  the
• 8:28
  year.
• 8:28
  But
• 8:28
  you're
• 8:29
  like,
• 8:29
  you
• 8:29
  know
• 8:29
  what,
• 8:29
  Ralph,
• 8:29
  I'm
• 8:30
  not
• 8:30
  going
• 8:30
  to
• 8:30
  make
• 8:30
  it.
• 8:30
  But
• 8:30
  here's
• 8:31
  what
• 8:31
  I
• 8:31
  can
• 8:31
  do.
• 8:32
  I
• 8:32
  can
• 8:32
  add
• 8:32
  an
• 8:32
  extra
• 8:33
  50amonth.
• 8:34
  Yeah,
• 8:34
  that
• 8:34
  might
• 8:34
  not
• 8:35
  put
• 8:35
  me
• 8:35
  at
• 8:35
  that
• 8:35
  22,000
• 8:36
  by
• 8:37
  the
• 8:37
  end
• 8:37
  of
• 8:37
  the
• 8:37
  year,
• 8:38
  but
• 8:38
  at
• 8:38
  least
• 8:39
  I'm
• 8:39
  making
• 8:39
  progress.
• 8:40
  I'm
• 8:40
  building
• 8:40
  at
• 8:41
  momentum.
• 8:41
  And
• 8:41
  that's
• 8:41
  the
• 8:42
  whole
• 8:42
  thing.
• 8:42
  The
• 8:42
  big
• 8:43
  key
• 8:43
  takeaway
• 8:44
  from
• 8:44
  today
• 8:44
  is
• 8:45
  are
• 8:45
  you
• 8:45
  building
• 8:45
  that
• 8:46
  momentum?
• 8:46
  Are
• 8:46
  you
• 8:47
  still
• 8:47
  working
• 8:47
  towards
• 8:48
  those
• 8:48
  goals?
• 8:48
  And
• 8:48
  hey,
• 8:49
  you
• 8:49
  know,
• 8:49
  sometimes
• 8:50
  this
• 8:50
  is
• 8:50
  a,
• 8:50
  it's
• 8:50
  a
• 8:50
  brutal
• 8:51
  truth.
• 8:51
  Sometimes
• 8:52
  you
• 8:52
  may
• 8:52
  have
• 8:52
  set
• 8:52
  goals.
• 8:53
  You're
• 8:53
  like,
• 8:53
  Ralph,
• 8:53
  those
• 8:53
  goals
• 8:54
  just
• 8:54
  aren't
• 8:54
  relevant
• 8:54
  anymore.
• 8:55
  Maybe
• 8:55
  it's
• 8:55
  time
• 8:56
  to
• 8:56
  set
• 8:56
  some
• 8:56
  new
• 8:56
  goals.
• 8:57
  Well,
• 8:57
  how
• 8:57
  about
• 8:57
  we
• 8:58
  pray
• 8:58
  together?
• 8:59
  Father
• 8:59
  God,
• 8:59
  we
• 8:59
  just
• 9:00
  thank
• 9:00
  you
• 9:00
  for
• 9:00
  your
• 9:00
  wisdom,
• 9:01
  Lord,
• 9:01
  and
• 9:01
  we
• 9:02
  thank
• 9:02
  you
• 9:02
  for
• 9:02
  giving
• 9:02
  us
• 9:03
  vision.
• 9:04
  And
• 9:04
  Lord,
• 9:04
  we
• 9:04
  confess
• 9:05
  that
• 9:05
  we
• 9:05
  often
• 9:05
  drift
• 9:06
  financially
• 9:06
  and
• 9:06
  it's
• 9:07
  so
• 9:07
  easy
• 9:08
  for
• 9:08
  us
• 9:08
  to
• 9:08
  lose
• 9:09
  focus,
• 9:09
  Lord.
• 9:09
  So
• 9:10
  we
• 9:10
  would
• 9:10
  just
• 9:10
  ask
• 9:10
  that
• 9:11
  you
• 9:11
  would
• 9:11
  grant
• 9:11
  us
• 9:11
  clarity,
• 9:12
  Lord,
• 9:12
  as
• 9:12
  we
• 9:12
  review
• 9:13
  our
• 9:13
  goals
• 9:14
  this
• 9:14
  mid
• 9:14
  year,
• 9:14
  Lord,
• 9:15
  help
• 9:15
  us
• 9:15
  to
• 9:16
  assess
• 9:16
  this
• 9:17
  honestly,
• 9:17
  Lord,
• 9:18
  and
• 9:18
  help
• 9:18
  us
• 9:18
  to
• 9:18
  adjust
• 9:19
  diligently
• 9:20
  to
• 9:20
  really
• 9:20
  fulfill
• 9:21
  our
• 9:21
  purpose
• 9:22
  that
• 9:22
  you
• 9:22
  have
• 9:22
  for
• 9:22
  us.
• 9:23
  And
• 9:23
  may
• 9:23
  our
• 9:24
  efforts
• 9:24
  align
• 9:24
  with
• 9:25
  your
• 9:25
  will,
• 9:25
  Lord,
• 9:25
  bringing
• 9:26
  you
• 9:26
  glory
• 9:26
  and
• 9:27
  peace.
• 9:28
  And
• 9:28
  we
• 9:28
  ask
• 9:29
  this
• 9:29
  in
• 9:30
  Jesus
• 9:30
  name.
• 9:31
  Amen.
• 9:33
  Listen,
• 9:34
  regular
• 9:34
  reviews
• 9:35
  like
• 9:35
  I
• 9:35
  talked
• 9:35
  about
• 9:35
  on
• 9:35
  that
• 9:36
  trip
• 9:36
  are
• 9:37
  like
• 9:37
  a
• 9:37
  roadmap.
• 9:38
  They're
• 9:38
  a
• 9:38
  roadmap
• 9:39
  to
• 9:39
  peace
• 9:39
  and
• 9:40
  they're
• 9:40
  a
• 9:40
  roadmap
• 9:41
  to
• 9:41
  progress.
• 9:41
  But
• 9:41
  sometimes
• 9:42
  you've
• 9:42
  got
• 9:43
  to
• 9:43
  make
• 9:43
  some
• 9:43
  adjustments.
• 9:44
  So
• 9:44
  I'm
• 9:44
  going
• 9:44
  to
• 9:44
  encourage
• 9:44
  you
• 9:44
  again
• 9:45
  today,
• 9:45
  take
• 9:45
  your
• 9:46
  mid
• 9:46
  year
• 9:46
  check
• 9:46
  in
• 9:47
  seriously
• 9:47
  and
• 9:48
  then
• 9:48
  adjust
• 9:48
  and
• 9:49
  move
• 9:49
  forward.
• 9:49
  Another
• 9:50
  thing
• 9:50
  I
• 9:50
  want
• 9:50
  to
• 9:50
  ask
• 9:50
  you
• 9:51
  to
• 9:51
  do
• 9:51
  seriously
• 9:51
  is
• 9:52
  share
• 9:52
  this
• 9:52
  episode
• 9:53
  with
• 9:53
  someone
• 9:53
  who
• 9:53
  needs
• 9:54
  encouragement.
• 9:55
  You
• 9:55
  may
• 9:55
  know
• 9:55
  someone
• 9:56
  in
• 9:56
  your,
• 9:56
  in
• 9:56
  your
• 9:57
  life
• 9:57
  who's
• 9:57
  really
• 9:57
  struggling
• 9:58
  financially
• 9:59
  and
• 9:59
  maybe
• 10:00
  you're
• 10:00
  getting
• 10:00
  a
• 10:00
  lot
• 10:00
  of
• 10:00
  value
• 10:01
  from
• 10:01
  the
• 10:01
  show
• 10:01
  and
• 10:01
  you
• 10:02
  can
• 10:02
  just
• 10:02
  share
• 10:02
  our
• 10:03
  website
• 10:03
  with
• 10:03
  them
• 10:04
  that's
• 10:04
  financially
• 10:05
  confident
• 10:05
  Christian.
• 10:06
  You
• 10:06
  can
• 10:06
  send
• 10:06
  them
• 10:07
  an
• 10:07
  email
• 10:07
  or
• 10:07
  send
• 10:08
  them
• 10:08
  a
• 10:08
  text
• 10:08
  and
• 10:08
  just
• 10:08
  say,
• 10:08
  hey,
• 10:09
  I
• 10:09
  know
• 10:09
  you're
• 10:09
  struggling
• 10:10
  right
• 10:10
  now
• 10:10
  financially.
• 10:11
  You've
• 10:12
  told
• 10:12
  me
• 10:12
  about
• 10:12
  the
• 10:12
  struggles
• 10:13
  you're
• 10:13
  having.
• 10:13
  I
• 10:13
  listen
• 10:13
  to
• 10:14
  this
• 10:14
  daily
• 10:14
  show.
• 10:15
  It's
• 10:15
  usually
• 10:15
  about
• 10:15
  less
• 10:16
  than
• 10:16
  10
• 10:16
  minutes,
• 10:16
  but
• 10:17
  would
• 10:17
  really
• 10:17
  be
• 10:17
  impactful
• 10:18
  to
• 10:18
  your
• 10:18
  life.
• 10:18
  And
• 10:18
  hey,
• 10:19
  that'll
• 10:19
  help
• 10:19
  grow
• 10:20
  the
• 10:20
  impact
• 10:20
  of
• 10:20
  the
• 10:21
  show.
• 10:21
  And
• 10:21
  you
• 10:22
  can
• 10:22
  do
• 10:22
  it.
• 10:22
  You
• 10:22
  can
• 10:22
  have
• 10:22
  an
• 10:23
  impact
• 10:23
  on
• 10:23
  someone
• 10:23
  else's
• 10:24
  life.
• 10:25
  Now
• 10:25
  tomorrow
• 10:25
  we're
• 10:25
  going
• 10:25
  to
• 10:25
  talk
• 10:26
  about
• 10:26
  how
• 10:26
  to
• 10:26
  wisely
• 10:27
  plan
• 10:27
  for
• 10:27
  college
• 10:28
  or
• 10:28
  higher
• 10:28
  education
• 10:29
  cost.
• 10:29
  We're
• 10:30
  going
• 10:30
  to
• 10:30
  start
• 10:30
  small,
• 10:31
  but
• 10:31
  we're
• 10:31
  going
• 10:31
  to
• 10:31
  think
• 10:32
  big
• 10:32
  for
• 10:32
  the
• 10:32
  future
• 10:33
  generations.
• 10:34
  So
• 10:34
  as
• 10:34
  I
• 10:34
  close
• 10:35
  today,
• 10:35
  let's
• 10:35
  all
• 10:36
  go
• 10:36
  out
• 10:36
  there
• 10:36
  and
• 10:36
  be
• 10:37
  financially
• 10:37
  confident
• 10:38
  Christians.
• 10:39
  You
• 10:39
  can
• 10:39
  do
• 10:39
  this.
• 10:40
  I
• 10:40
  have
• 10:40
  confidence
• 10:41
  in
• 10:41
  you,
• 10:42
  have
• 10:42
  confidence
• 10:42
  in
• 10:43
  yourself,
• 10:43
  stay
• 10:43
  financially
• 10:44
  savvy,
• 10:45
  God
• 10:45
  bless
• 10:45
  you
• 10:45
  and
• 10:45
  you
• 10:46
  have
• 10:46
  a
• 10:46
  great
• 10:46
  day.