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Why Doesn’t Working Hard Guarantee Success Anymore? · Becoming Financially Confident

• 0:37
  What
• 0:37
  do
• 0:37
  you
• 0:38
  do
• 0:38
  when
• 0:38
  the
• 0:38
  version
• 0:38
  of
• 0:39
  success
• 0:39
  you
• 0:39
  were
• 0:39
  promised
• 0:40
  stops
• 0:40
  feeling
• 0:41
  real?
• 0:42
  On
• 0:42
  today's
• 0:43
  episode,
• 0:43
  I'm
• 0:43
  talking
• 0:44
  to
• 0:44
  the
• 0:44
  person
• 0:44
  who
• 0:44
  grew
• 0:45
  up
• 0:45
  believing
• 0:45
  blue
• 0:45
  collar
• 0:46
  work
• 0:46
  was
• 0:46
  the
• 0:46
  dependable
• 0:47
  path.
• 0:48
  You
• 0:48
  just
• 0:48
  got
• 0:49
  to
• 0:49
  work
• 0:49
  hard,
• 0:50
  stay
• 0:50
  consistent,
• 0:51
  do
• 0:52
  your
• 0:52
  part,
• 0:53
  and
• 0:53
  you'll
• 0:53
  always
• 0:54
  be
• 0:54
  able
• 0:54
  to
• 0:54
  support
• 0:54
  yourself.
• 0:56
  But
• 0:57
  for
• 0:57
  a
• 0:57
  lot
• 0:57
  of
• 0:57
  people,
• 0:58
  that's
• 0:59
  not
• 0:59
  the
• 0:59
  reality
• 0:59
  of
• 1:00
  living
• 1:00
  anymore.
• 1:01
  Jobs
• 1:02
  are
• 1:02
  getting
• 1:02
  delayed,
• 1:03
  weather
• 1:03
  shutting
• 1:04
  work
• 1:04
  down,
• 1:05
  hours
• 1:05
  are
• 1:05
  disappearing,
• 1:06
  and
• 1:06
  those
• 1:06
  contracts
• 1:07
  are
• 1:07
  drying
• 1:08
  up.
• 1:09
  And
• 1:09
  after
• 1:09
  doing
• 1:10
  everything
• 1:10
  they
• 1:10
  were
• 1:11
  told
• 1:11
  were
• 1:11
  right,
• 1:12
  they're
• 1:13
  left
• 1:13
  wondering
• 1:13
  if
• 1:13
  real
• 1:14
  security
• 1:14
  even
• 1:14
  exists
• 1:15
  anymore.
• 1:17
  So
• 1:17
  how
• 1:17
  do
• 1:17
  you
• 1:18
  build
• 1:18
  a
• 1:18
  future
• 1:18
  with
• 1:18
  confidence
• 1:19
  when
• 1:19
  the
• 1:20
  foundation
• 1:20
  you
• 1:20
  trusted
• 1:21
  starts
• 1:22
  to
• 1:22
  feel
• 1:22
  real
• 1:22
  fragile?
• 1:24
  That's
• 1:24
  what
• 1:24
  we're
• 1:25
  breaking
• 1:25
  down
• 1:25
  on
• 1:25
  today's
• 1:26
  show.
• 1:35
  Hey,
• 1:36
  friend.
• 1:36
  Ralph
• 1:36
  Estep
• 1:37
  Jr.
• 1:37
  Here.
• 1:38
  Welcome
• 1:38
  to
• 1:38
  financially
• 1:39
  Confident
• 1:39
  Christian,
• 1:40
  where
• 1:40
  every
• 1:40
  day
• 1:41
  my
• 1:41
  goal
• 1:41
  is
• 1:41
  to
• 1:41
  help
• 1:41
  you
• 1:42
  break
• 1:42
  that
• 1:42
  cycle
• 1:43
  of
• 1:43
  financial
• 1:43
  shame
• 1:44
  and
• 1:44
  find
• 1:45
  confidence.
• 1:46
  And
• 1:46
  today
• 1:47
  on
• 1:47
  the
• 1:47
  show,
• 1:47
  we're
• 1:47
  going
• 1:47
  to
• 1:47
  talk
• 1:48
  about
• 1:48
  how
• 1:48
  to
• 1:48
  build
• 1:48
  stability
• 1:49
  when
• 1:49
  your
• 1:49
  work
• 1:50
  no
• 1:50
  longer
• 1:50
  feels
• 1:51
  stable.
• 1:53
  Let's
• 1:53
  get
• 1:53
  right
• 1:53
  into
• 1:53
  today's
• 1:54
  listener
• 1:54
  question.
• 1:55
  This
• 1:55
  was
• 1:55
  an
• 1:55
  email
• 1:56
  we
• 1:56
  got
• 1:56
  the
• 1:56
  other
• 1:56
  day.
• 1:57
  Listener
• 1:57
  writes
• 1:58
  this.
• 1:58
  Ralph,
• 1:59
  I
• 1:59
  grew
• 1:59
  up
• 1:59
  hearing
• 2:00
  that
• 2:00
  blue
• 2:00
  collar
• 2:01
  work
• 2:01
  was
• 2:01
  the
• 2:01
  safe
• 2:02
  path,
• 2:02
  the
• 2:03
  stable
• 2:03
  path,
• 2:04
  the
• 2:04
  kind
• 2:04
  of
• 2:04
  work
• 2:04
  that
• 2:05
  would
• 2:05
  always
• 2:05
  keep
• 2:05
  you
• 2:06
  afloat.
• 2:07
  But
• 2:07
  now
• 2:08
  I'm
• 2:08
  living
• 2:08
  in
• 2:08
  a
• 2:08
  very
• 2:09
  different
• 2:09
  reality.
• 2:10
  Jobs
• 2:11
  are
• 2:11
  getting
• 2:11
  delayed,
• 2:12
  weather
• 2:13
  shutting
• 2:13
  work
• 2:13
  down,
• 2:14
  contracts
• 2:15
  are
• 2:15
  disappearing,
• 2:16
  my
• 2:16
  hours
• 2:16
  are
• 2:16
  getting
• 2:17
  cut,
• 2:18
  and
• 2:18
  suddenly
• 2:19
  my
• 2:19
  income
• 2:20
  feels
• 2:20
  unpredictable.
• 2:21
  No
• 2:21
  matter
• 2:21
  how
• 2:21
  hard
• 2:22
  I
• 2:22
  work,
• 2:24
  it's
• 2:24
  frustrating
• 2:25
  realizing
• 2:25
  that
• 2:25
  even
• 2:26
  doing
• 2:26
  everything
• 2:27
  right
• 2:27
  doesn't
• 2:28
  guarantee
• 2:28
  stability
• 2:29
  anymore.
• 2:31
  And
• 2:31
  what's
• 2:31
  messing
• 2:31
  with
• 2:31
  me
• 2:32
  the
• 2:32
  most
• 2:32
  is
• 2:32
  the
• 2:32
  feeling
• 2:33
  that
• 2:33
  I
• 2:33
  built
• 2:33
  my
• 2:34
  expectations
• 2:35
  around
• 2:35
  a
• 2:35
  vision
• 2:36
  of
• 2:36
  security
• 2:36
  that
• 2:37
  may
• 2:37
  not
• 2:37
  even
• 2:37
  exist.
• 2:39
  And
• 2:40
  now
• 2:40
  I'm
• 2:40
  questioning
• 2:41
  everything.
• 2:42
  I'm
• 2:42
  even
• 2:42
  questioning
• 2:43
  whether
• 2:43
  I
• 2:43
  should
• 2:43
  change
• 2:44
  directions
• 2:44
  entirely.
• 2:46
  Ralph,
• 2:47
  how
• 2:47
  do
• 2:47
  you
• 2:47
  make
• 2:48
  long
• 2:48
  term
• 2:48
  life
• 2:49
  decisions
• 2:49
  when
• 2:50
  the
• 2:50
  stability
• 2:50
  you
• 2:50
  counted
• 2:51
  on
• 2:51
  keeps
• 2:52
  proving
• 2:52
  fragile?
• 2:54
  Yeah,
• 2:55
  that's
• 2:55
  a
• 2:55
  tough
• 2:55
  question.
• 2:57
  And
• 2:57
  I
• 2:58
  hear
• 2:58
  so
• 2:58
  many
• 2:58
  people
• 2:59
  asking
• 2:59
  that
• 3:00
  same
• 3:00
  question.
• 3:02
  I
• 3:02
  want
• 3:02
  to
• 3:02
  start
• 3:02
  off
• 3:02
  with
• 3:02
  today's
• 3:03
  big
• 3:03
  idea
• 3:03
  for
• 3:03
  the
• 3:04
  show.
• 3:04
  Real
• 3:05
  stability.
• 3:05
  Today
• 3:06
  often
• 3:06
  isn't
• 3:07
  about
• 3:07
  finding
• 3:08
  perfect
• 3:08
  predictability.
• 3:10
  It's
• 3:10
  about
• 3:10
  building
• 3:11
  faithful
• 3:11
  resilience
• 3:12
  in
• 3:12
  an
• 3:12
  unpredictable
• 3:13
  world.
• 3:14
  So
• 3:15
  how
• 3:15
  do
• 3:15
  we
• 3:15
  do
• 3:15
  that?
• 3:15
  Because
• 3:16
  that's
• 3:16
  what
• 3:16
  we
• 3:16
  got
• 3:16
  to
• 3:16
  get
• 3:16
  to.
• 3:17
  We
• 3:17
  got
• 3:17
  to
• 3:17
  figure
• 3:17
  out,
• 3:18
  how
• 3:18
  do
• 3:18
  we
• 3:18
  build
• 3:18
  that
• 3:19
  faithful
• 3:19
  resilience
• 3:20
  in
• 3:20
  an
• 3:20
  unpredictable
• 3:21
  world?
• 3:23
  I
• 3:23
  think
• 3:23
  we
• 3:23
  got
• 3:23
  to
• 3:23
  start
• 3:23
  by
• 3:24
  saying
• 3:24
  this.
• 3:25
  We've
• 3:25
  got
• 3:25
  to
• 3:26
  grieve
• 3:26
  the
• 3:26
  reality
• 3:27
  honestly.
• 3:28
  If
• 3:29
  we're
• 3:29
  going
• 3:29
  to
• 3:29
  get
• 3:29
  anywhere,
• 3:29
  we
• 3:30
  got
• 3:30
  to
• 3:30
  say
• 3:30
  it
• 3:30
  plainly.
• 3:31
  The
• 3:31
  world
• 3:31
  has
• 3:31
  changed.
• 3:33
  The
• 3:34
  world
• 3:34
  that
• 3:34
  your
• 3:34
  parents
• 3:35
  grew
• 3:35
  up
• 3:35
  in,
• 3:35
  that
• 3:36
  my
• 3:36
  parents
• 3:36
  grew
• 3:36
  up
• 3:37
  in,
• 3:37
  my
• 3:37
  grandparents
• 3:38
  grew
• 3:38
  up
• 3:38
  in
• 3:39
  is
• 3:39
  not
• 3:39
  the
• 3:39
  same
• 3:39
  world
• 3:39
  we're
• 3:40
  living
• 3:40
  in
• 3:40
  today.
• 3:41
  It's
• 3:42
  especially
• 3:42
  true
• 3:42
  for
• 3:43
  certain
• 3:43
  industries.
• 3:44
  Certain
• 3:45
  industries
• 3:45
  have
• 3:45
  completely
• 3:46
  been
• 3:46
  decimated
• 3:47
  by
• 3:47
  production.
• 3:48
  Facilities
• 3:48
  are
• 3:48
  completely
• 3:49
  different.
• 3:49
  If
• 3:50
  you
• 3:50
  look
• 3:50
  in
• 3:50
  the
• 3:50
  United
• 3:50
  States,
• 3:51
  there
• 3:51
  are
• 3:51
  very
• 3:52
  few
• 3:52
  places
• 3:52
  in
• 3:53
  the
• 3:53
  United
• 3:53
  States
• 3:53
  that
• 3:54
  are
• 3:54
  manufacturing
• 3:55
  things.
• 3:55
  And
• 3:55
  I
• 3:55
  think
• 3:55
  that's
• 3:56
  a
• 3:56
  problem.
• 3:56
  But
• 3:56
  we
• 3:56
  have
• 3:57
  to
• 3:57
  realize
• 3:57
  that
• 3:58
  is
• 3:58
  the
• 3:58
  truth.
• 4:00
  Another
• 4:00
  thing
• 4:00
  that
• 4:00
  is
• 4:01
  true
• 4:01
  is
• 4:01
  the
• 4:02
  cost
• 4:02
  of
• 4:02
  living
• 4:02
  has
• 4:03
  changed.
• 4:04
  The
• 4:04
  cost
• 4:04
  of
• 4:05
  doing
• 4:05
  everything
• 4:05
  is
• 4:06
  more
• 4:06
  expensive
• 4:07
  now.
• 4:07
  Our
• 4:07
  income
• 4:08
  patterns
• 4:08
  have
• 4:09
  changed.
• 4:10
  And
• 4:10
  what
• 4:11
  so
• 4:11
  many
• 4:11
  of
• 4:11
  us
• 4:12
  felt
• 4:12
  dependable,
• 4:13
  what
• 4:13
  we
• 4:13
  thought
• 4:13
  was
• 4:14
  going
• 4:14
  to
• 4:14
  be
• 4:14
  the
• 4:15
  way
• 4:15
  it
• 4:15
  was,
• 4:15
  was
• 4:16
  going
• 4:16
  to
• 4:16
  always
• 4:16
  be,
• 4:17
  doesn't
• 4:17
  feel
• 4:17
  dependable
• 4:18
  now.
• 4:19
  And
• 4:19
  that
• 4:20
  disappointment
• 4:20
  you're
• 4:21
  feeling
• 4:21
  is
• 4:21
  real.
• 4:22
  You
• 4:23
  have
• 4:23
  to
• 4:23
  grieve
• 4:23
  that.
• 4:23
  You
• 4:24
  have
• 4:24
  to
• 4:24
  accept
• 4:24
  it.
• 4:24
  This
• 4:25
  is
• 4:25
  not
• 4:25
  what
• 4:25
  I
• 4:25
  expected.
• 4:28
  So
• 4:28
  don't
• 4:29
  spiritualize
• 4:29
  away
• 4:30
  the
• 4:30
  frustration
• 4:32
  and
• 4:32
  don't
• 4:32
  shame
• 4:32
  yourself
• 4:33
  for
• 4:33
  feeling
• 4:33
  unsettled.
• 4:34
  This
• 4:34
  is
• 4:34
  an
• 4:35
  unsettling
• 4:35
  time
• 4:35
  in
• 4:36
  your
• 4:36
  life,
• 4:37
  and
• 4:38
  you're
• 4:38
  not
• 4:38
  weak
• 4:38
  for
• 4:38
  feeling
• 4:39
  this
• 4:39
  weight.
• 4:41
  But
• 4:41
  before
• 4:41
  you
• 4:41
  make
• 4:42
  a
• 4:42
  major
• 4:42
  decision
• 4:42
  and
• 4:43
  I
• 4:43
  hear
• 4:43
  what
• 4:43
  you're
• 4:43
  saying,
• 4:43
  you're
• 4:44
  like,
• 4:44
  ralph,
• 4:44
  maybe
• 4:44
  I'm
• 4:44
  going
• 4:45
  to
• 4:45
  make
• 4:45
  a
• 4:45
  pivot
• 4:45
  here.
• 4:45
  I'm
• 4:45
  going
• 4:45
  to
• 4:46
  make
• 4:46
  a
• 4:46
  major
• 4:46
  change.
• 4:47
  You
• 4:47
  got
• 4:47
  to
• 4:48
  respond
• 4:48
  to
• 4:48
  reality
• 4:49
  clearly,
• 4:49
  not
• 4:50
  just
• 4:50
  reacting
• 4:51
  in
• 4:51
  the
• 4:52
  sense
• 4:52
  of
• 4:52
  pain
• 4:52
  that
• 4:53
  you're
• 4:53
  in.
• 4:55
  One
• 4:56
  of
• 4:56
  the
• 4:56
  things
• 4:56
  I'm
• 4:56
  going
• 4:56
  to
• 4:56
  encourage
• 4:56
  you
• 4:57
  to
• 4:57
  do
• 4:57
  is
• 4:57
  stop
• 4:57
  asking
• 4:58
  one
• 4:58
  source
• 4:59
  to
• 4:59
  carry
• 4:59
  all
• 4:59
  your
• 5:00
  security.
• 5:01
  I
• 5:01
  think
• 5:01
  this
• 5:01
  is
• 5:02
  a
• 5:02
  world
• 5:02
  we
• 5:02
  live
• 5:02
  in.
• 5:03
  My
• 5:03
  grandfather
• 5:04
  worked
• 5:04
  for
• 5:04
  the
• 5:04
  dupont
• 5:05
  Company.
• 5:05
  When
• 5:05
  he
• 5:06
  went
• 5:06
  to
• 5:06
  work
• 5:06
  for
• 5:06
  the
• 5:06
  dupont
• 5:07
  Company,
• 5:07
  it
• 5:07
  was
• 5:07
  just
• 5:07
  a
• 5:08
  suit,
• 5:08
  and
• 5:08
  he
• 5:08
  was
• 5:09
  going
• 5:09
  to
• 5:09
  work
• 5:09
  there
• 5:09
  the
• 5:09
  rest
• 5:10
  of
• 5:10
  his
• 5:10
  life.
• 5:10
  And
• 5:10
  when
• 5:10
  he
• 5:11
  retired,
• 5:11
  he
• 5:12
  would
• 5:12
  get.
• 5:12
  He
• 5:12
  called
• 5:12
  it
• 5:13
  his
• 5:13
  pension
• 5:13
  check
• 5:14
  from
• 5:14
  Uncle
• 5:14
  Doopie.
• 5:15
  That's
• 5:15
  what
• 5:15
  they
• 5:15
  called
• 5:15
  it.
• 5:16
  And
• 5:16
  everybody
• 5:17
  just
• 5:17
  assumed
• 5:17
  that
• 5:17
  way
• 5:17
  it
• 5:18
  was
• 5:18
  going
• 5:18
  to
• 5:18
  be.
• 5:19
  But
• 5:19
  that's
• 5:19
  not
• 5:19
  the
• 5:20
  world
• 5:20
  we
• 5:20
  live
• 5:20
  in
• 5:20
  anymore.
• 5:22
  We
• 5:22
  can't
• 5:22
  rely
• 5:22
  on
• 5:23
  one
• 5:23
  employer
• 5:24
  to
• 5:24
  carry
• 5:24
  all
• 5:24
  of
• 5:24
  our
• 5:25
  peace.
• 5:26
  That
• 5:27
  one
• 5:27
  income
• 5:28
  stream
• 5:28
  that
• 5:28
  so
• 5:28
  many
• 5:29
  of
• 5:29
  us
• 5:29
  counted
• 5:29
  on
• 5:30
  can't
• 5:30
  carry
• 5:31
  all
• 5:31
  of
• 5:31
  our
• 5:31
  futures
• 5:32
  anymore.
• 5:33
  That
• 5:33
  industry
• 5:34
  that
• 5:34
  you
• 5:34
  thought
• 5:34
  was
• 5:35
  always
• 5:35
  going
• 5:35
  to
• 5:35
  be
• 5:35
  the
• 5:36
  case,
• 5:36
  maybe
• 5:36
  you're
• 5:37
  an
• 5:37
  assembly
• 5:37
  worker,
• 5:38
  maybe
• 5:38
  you
• 5:38
  work
• 5:38
  for
• 5:39
  a
• 5:39
  car
• 5:39
  manufacturer.
• 5:41
  That
• 5:41
  industry
• 5:42
  can't
• 5:42
  guarantee
• 5:42
  lifelong
• 5:43
  protection
• 5:43
  anymore.
• 5:44
  And
• 5:44
  that's
• 5:45
  not
• 5:45
  being
• 5:45
  cynical.
• 5:47
  People
• 5:47
  might
• 5:47
  listen
• 5:48
  to
• 5:48
  this
• 5:48
  and
• 5:48
  go,
• 5:48
  ralph,
• 5:48
  you're
• 5:49
  being
• 5:49
  really
• 5:49
  cynical.
• 5:49
  No,
• 5:50
  that's
• 5:50
  just
• 5:50
  being
• 5:51
  wise.
• 5:53
  Security
• 5:53
  used
• 5:54
  to
• 5:54
  be
• 5:54
  defined
• 5:54
  as
• 5:55
  predictable,
• 5:55
  but
• 5:56
  now
• 5:56
  it's
• 5:56
  often
• 5:56
  defined
• 5:57
  as
• 5:57
  resilience.
• 5:58
  That's
• 5:58
  what
• 5:58
  real
• 5:58
  security
• 5:59
  is
• 5:59
  now.
• 5:59
  It's
• 6:00
  not
• 6:00
  predictability,
• 6:01
  it's
• 6:01
  resilience.
• 6:03
  So
• 6:03
  right
• 6:04
  now,
• 6:04
  at
• 6:04
  this
• 6:04
  moment,
• 6:05
  ask
• 6:05
  Yourself.
• 6:06
  All
• 6:06
  of
• 6:06
  us
• 6:06
  need
• 6:06
  to
• 6:06
  ask
• 6:07
  this
• 6:07
  question.
• 6:08
  Where
• 6:08
  am
• 6:08
  I
• 6:08
  over
• 6:09
  dependent
• 6:09
  right
• 6:09
  now
• 6:10
  on
• 6:10
  a
• 6:10
  particular
• 6:11
  thing?
• 6:13
  If
• 6:13
  one
• 6:14
  part
• 6:14
  of
• 6:14
  my
• 6:14
  income
• 6:14
  shifts
• 6:15
  right
• 6:15
  now,
• 6:16
  what
• 6:16
  am
• 6:16
  I
• 6:17
  exposed
• 6:17
  to?
• 6:19
  Because
• 6:19
  peace
• 6:19
  will
• 6:20
  grow
• 6:20
  when
• 6:20
  you
• 6:20
  stop
• 6:21
  expecting
• 6:21
  one
• 6:21
  fragile
• 6:22
  system
• 6:22
  to
• 6:22
  do
• 6:23
  what
• 6:23
  only
• 6:23
  wise
• 6:24
  stewardship
• 6:24
  can
• 6:25
  do
• 6:25
  over
• 6:25
  time.
• 6:27
  So
• 6:27
  what
• 6:27
  does
• 6:27
  this
• 6:27
  tell
• 6:27
  us?
• 6:28
  It
• 6:28
  tells
• 6:29
  us
• 6:29
  that
• 6:29
  we
• 6:29
  need
• 6:29
  to
• 6:29
  build
• 6:30
  flexibility
• 6:30
  into
• 6:31
  our
• 6:31
  financial
• 6:31
  lives.
• 6:33
  That's
• 6:33
  what
• 6:33
  we
• 6:33
  need
• 6:34
  to
• 6:34
  do.
• 6:35
  Start
• 6:36
  by
• 6:36
  looking
• 6:36
  at
• 6:36
  your
• 6:36
  fixed
• 6:37
  expenses.
• 6:38
  What
• 6:38
  are
• 6:38
  those
• 6:39
  things
• 6:39
  that
• 6:39
  you're
• 6:39
  spending
• 6:40
  money
• 6:40
  on
• 6:40
  every
• 6:40
  month?
• 6:41
  What
• 6:41
  can
• 6:41
  be
• 6:42
  reduced,
• 6:42
  what
• 6:42
  can
• 6:43
  be
• 6:43
  renegotiated,
• 6:44
  or
• 6:44
  what
• 6:44
  can
• 6:44
  be
• 6:45
  simplified?
• 6:46
  You
• 6:47
  got
• 6:47
  to
• 6:47
  lower
• 6:47
  that
• 6:47
  pressure
• 6:48
  where
• 6:48
  you
• 6:48
  can.
• 6:48
  And
• 6:49
  fixed
• 6:49
  expenses
• 6:49
  is
• 6:50
  where
• 6:50
  that
• 6:50
  pressure
• 6:50
  builds
• 6:51
  up.
• 6:51
  The
• 6:51
  house
• 6:52
  payment,
• 6:52
  the
• 6:52
  car
• 6:53
  payment,
• 6:53
  all
• 6:54
  those
• 6:54
  things
• 6:54
  that
• 6:54
  are
• 6:54
  fixed.
• 6:56
  Another
• 6:56
  thing
• 6:56
  you
• 6:56
  can
• 6:56
  do
• 6:57
  is
• 6:57
  start
• 6:57
  building
• 6:57
  or
• 6:58
  rebuilding
• 6:58
  an
• 6:59
  emergency
• 6:59
  fund.
• 7:00
  You're
• 7:00
  probably
• 7:00
  getting
• 7:00
  a
• 7:00
  headache
• 7:01
  from
• 7:01
  hearing
• 7:01
  it
• 7:01
  all
• 7:01
  the
• 7:01
  time,
• 7:03
  but
• 7:03
  that
• 7:03
  cushion
• 7:03
  creates
• 7:04
  breathing
• 7:04
  room.
• 7:05
  It
• 7:05
  gives
• 7:05
  you
• 7:06
  that
• 7:06
  flexibility
• 7:06
  when
• 7:07
  something
• 7:07
  happens.
• 7:07
  Like
• 7:07
  you
• 7:08
  mentioned
• 7:08
  in
• 7:08
  your
• 7:08
  voicemail
• 7:09
  today,
• 7:10
  when
• 7:11
  you
• 7:11
  lose
• 7:12
  hours
• 7:12
  or
• 7:12
  when
• 7:12
  a
• 7:13
  contract
• 7:13
  changes
• 7:14
  or
• 7:14
  when
• 7:14
  the
• 7:14
  weather
• 7:14
  changes.
• 7:16
  Another
• 7:16
  thing
• 7:16
  you've
• 7:16
  got
• 7:17
  to
• 7:17
  think
• 7:17
  about
• 7:17
  is
• 7:18
  what
• 7:18
  are
• 7:18
  some
• 7:18
  skills
• 7:19
  you
• 7:19
  can
• 7:19
  have?
• 7:19
  Maybe
• 7:20
  it's
• 7:20
  not
• 7:20
  just
• 7:20
  one
• 7:21
  skill
• 7:21
  anymore.
• 7:21
  Maybe
• 7:22
  it's
• 7:22
  one
• 7:22
  or
• 7:23
  two
• 7:23
  or
• 7:23
  three
• 7:23
  transferable
• 7:24
  skills.
• 7:25
  You
• 7:26
  got
• 7:26
  to
• 7:26
  think
• 7:26
  in
• 7:26
  terms
• 7:26
  of
• 7:26
  flexibility
• 7:27
  and
• 7:27
  not
• 7:27
  live
• 7:28
  in
• 7:28
  this
• 7:28
  constant
• 7:28
  fear
• 7:29
  that
• 7:29
  everything
• 7:30
  is
• 7:30
  going
• 7:30
  to
• 7:30
  go
• 7:30
  away.
• 7:31
  A
• 7:31
  lot
• 7:31
  of
• 7:31
  people
• 7:31
  are
• 7:31
  worried
• 7:32
  about
• 7:32
  this
• 7:32
  with
• 7:32
  AI
• 7:33
  right
• 7:33
  now.
• 7:34
  What's
• 7:34
  going
• 7:34
  to
• 7:34
  happen
• 7:34
  with
• 7:35
  jobs
• 7:35
  and
• 7:35
  AI?
• 7:37
  Yeah,
• 7:38
  you
• 7:38
  got
• 7:38
  to
• 7:38
  have
• 7:38
  flexibility,
• 7:39
  but
• 7:39
  you
• 7:39
  can't
• 7:39
  live
• 7:39
  in
• 7:40
  fear
• 7:40
  of
• 7:40
  what's
• 7:40
  going
• 7:40
  to
• 7:40
  happen.
• 7:41
  This
• 7:42
  is
• 7:42
  a
• 7:42
  great
• 7:42
  time
• 7:42
  to
• 7:43
  consider
• 7:43
  some
• 7:43
  side
• 7:44
  income.
• 7:44
  Maybe
• 7:45
  there's
• 7:45
  something
• 7:45
  you
• 7:45
  enjoy
• 7:46
  doing.
• 7:46
  Maybe
• 7:46
  it's
• 7:46
  something
• 7:47
  that
• 7:47
  gives
• 7:47
  you
• 7:48
  passion
• 7:50
  and
• 7:50
  you're
• 7:50
  able
• 7:50
  to
• 7:50
  create
• 7:51
  that
• 7:51
  margin
• 7:51
  before
• 7:51
  you
• 7:52
  need
• 7:52
  it.
• 7:53
  See,
• 7:53
  this
• 7:53
  is
• 7:53
  the
• 7:53
  problem.
• 7:53
  So
• 7:54
  many
• 7:54
  people
• 7:54
  wait
• 7:54
  till
• 7:55
  that
• 7:55
  crisis
• 7:55
  happens
• 7:56
  or
• 7:56
  they
• 7:56
  wait
• 7:56
  till
• 7:57
  that
• 7:57
  problem
• 7:57
  happens.
• 7:58
  The
• 7:58
  job
• 7:58
  gets
• 7:59
  lost.
• 7:59
  You
• 7:59
  got
• 7:59
  to
• 8:00
  build
• 8:00
  that
• 8:00
  margin
• 8:00
  ahead
• 8:01
  of
• 8:01
  time.
• 8:02
  Like
• 8:02
  I
• 8:02
  said,
• 8:03
  cut
• 8:03
  one
• 8:03
  recurring
• 8:03
  expense.
• 8:04
  It
• 8:04
  isn't
• 8:04
  serving
• 8:05
  your
• 8:05
  priorities
• 8:05
  every
• 8:06
  month.
• 8:07
  Save
• 8:07
  one
• 8:08
  week
• 8:08
  of
• 8:08
  expenses
• 8:08
  as
• 8:09
  a
• 8:09
  target.
• 8:09
  You
• 8:09
  don't
• 8:09
  have
• 8:10
  to
• 8:10
  send
• 8:10
  thousands
• 8:11
  of
• 8:11
  dollars.
• 8:11
  Maybe
• 8:11
  it's
• 8:11
  50
• 8:12
  bucks.
• 8:13
  Learn
• 8:13
  an
• 8:13
  additional
• 8:14
  skill.
• 8:15
  Reconnect
• 8:15
  with
• 8:16
  those
• 8:16
  people
• 8:16
  you
• 8:16
  worked
• 8:16
  with
• 8:17
  before,
• 8:17
  Build
• 8:17
  those
• 8:18
  referral
• 8:18
  sources
• 8:19
  and
• 8:19
  update
• 8:20
  your
• 8:20
  resume
• 8:20
  before
• 8:21
  you're
• 8:21
  desperate.
• 8:23
  But
• 8:23
  in
• 8:23
  all
• 8:24
  of
• 8:24
  these
• 8:24
  things,
• 8:24
  you've
• 8:25
  got
• 8:25
  to
• 8:25
  make
• 8:25
  decisions
• 8:26
  from
• 8:26
  wisdom,
• 8:26
  not
• 8:27
  panic.
• 8:28
  It's
• 8:28
  real
• 8:29
  easy
• 8:29
  to
• 8:29
  get
• 8:29
  into
• 8:30
  a
• 8:30
  point
• 8:30
  of
• 8:30
  panic.
• 8:30
  We
• 8:31
  covered
• 8:31
  a
• 8:31
  question
• 8:31
  on
• 8:32
  the
• 8:32
  show.
• 8:32
  I
• 8:32
  guess
• 8:32
  it
• 8:32
  was
• 8:32
  a
• 8:33
  week
• 8:33
  or
• 8:33
  two
• 8:33
  ago
• 8:33
  where
• 8:34
  somebody
• 8:34
  was
• 8:34
  thinking
• 8:34
  about
• 8:35
  downsizing
• 8:35
  everything
• 8:36
  and
• 8:37
  he
• 8:37
  was
• 8:37
  living
• 8:37
  in
• 8:37
  panic.
• 8:38
  You
• 8:38
  can't
• 8:38
  blow
• 8:38
  up
• 8:39
  your
• 8:39
  whole
• 8:39
  life
• 8:39
  in
• 8:39
  one
• 8:40
  emotional
• 8:40
  weekend
• 8:41
  because
• 8:41
  you're
• 8:41
  feeling
• 8:42
  bad
• 8:42
  about
• 8:42
  what's
• 8:42
  going
• 8:43
  on.
• 8:44
  And
• 8:44
  you
• 8:44
  also
• 8:44
  can't
• 8:45
  assume
• 8:45
  that
• 8:45
  discomfort
• 8:46
  means
• 8:46
  you
• 8:46
  need
• 8:46
  to
• 8:47
  abandon
• 8:47
  everything.
• 8:49
  But
• 8:49
  it
• 8:49
  also
• 8:49
  doesn't
• 8:50
  mean
• 8:50
  you
• 8:50
  got
• 8:50
  to
• 8:50
  ignore
• 8:51
  it.
• 8:53
  That's
• 8:53
  where
• 8:54
  wisdom
• 8:54
  matters.
• 8:56
  Evaluate
• 8:56
  the
• 8:57
  patterns
• 8:57
  you're
• 8:57
  living
• 8:57
  in,
• 8:58
  not
• 8:58
  just
• 8:58
  bad
• 8:58
  weeks.
• 8:58
  You
• 8:59
  might
• 8:59
  have
• 8:59
  listen.
• 9:00
  Right
• 9:00
  now,
• 9:00
  where
• 9:00
  I'm
• 9:01
  at,
• 9:01
  it's
• 9:01
  raining
• 9:01
  and
• 9:02
  it's
• 9:02
  been
• 9:02
  raining
• 9:02
  for
• 9:03
  several
• 9:03
  days.
• 9:03
  If
• 9:04
  I
• 9:04
  worked
• 9:04
  outside,
• 9:05
  guess
• 9:05
  what?
• 9:06
  That's
• 9:06
  going
• 9:06
  to
• 9:06
  be
• 9:06
  a
• 9:06
  pattern
• 9:07
  for
• 9:07
  this
• 9:07
  week,
• 9:07
  but
• 9:08
  that's
• 9:08
  not
• 9:08
  the
• 9:08
  pattern
• 9:08
  for
• 9:09
  the
• 9:09
  entire
• 9:09
  season.
• 9:11
  So
• 9:11
  ask
• 9:12
  yourself,
• 9:12
  is
• 9:12
  this
• 9:12
  seasonal?
• 9:13
  Is
• 9:13
  it
• 9:13
  cyclical?
• 9:14
  Or
• 9:14
  is
• 9:14
  it
• 9:14
  structural?
• 9:15
  And
• 9:15
  get
• 9:15
  honest
• 9:16
  about
• 9:16
  your
• 9:16
  numbers.
• 9:17
  Get
• 9:17
  some
• 9:18
  help
• 9:18
  if
• 9:18
  you
• 9:18
  need
• 9:18
  it.
• 9:20
  Move
• 9:20
  prayerfully
• 9:20
  and
• 9:21
  strategically.
• 9:23
  You
• 9:23
  don't
• 9:23
  need
• 9:23
  to
• 9:24
  panic.
• 9:24
  But
• 9:25
  you
• 9:25
  do
• 9:25
  need
• 9:25
  a
• 9:25
  plan.
• 9:27
  And
• 9:27
  as
• 9:27
  you're
• 9:28
  building
• 9:28
  that
• 9:28
  plan,
• 9:29
  redefine
• 9:30
  what
• 9:30
  stability
• 9:30
  really
• 9:31
  means.
• 9:33
  Stability
• 9:34
  doesn't
• 9:34
  mean
• 9:34
  nothing
• 9:35
  ever
• 9:35
  changes.
• 9:36
  If
• 9:36
  you
• 9:37
  would
• 9:37
  have
• 9:37
  asked
• 9:37
  my
• 9:37
  grandfather,
• 9:38
  hey,
• 9:38
  what
• 9:39
  about
• 9:39
  changing
• 9:39
  to
• 9:39
  another
• 9:40
  career?
• 9:40
  What
• 9:40
  about
• 9:40
  changing
• 9:41
  to
• 9:41
  another
• 9:41
  employer?
• 9:41
  He
• 9:42
  would
• 9:42
  have
• 9:42
  said,
• 9:42
  that's
• 9:42
  not
• 9:42
  the
• 9:43
  way
• 9:43
  we
• 9:43
  do
• 9:43
  things.
• 9:44
  And
• 9:44
  he
• 9:44
  was
• 9:45
  right
• 9:45
  40
• 9:45
  years
• 9:45
  ago.
• 9:47
  But
• 9:48
  that's
• 9:48
  not
• 9:48
  what
• 9:48
  stability
• 9:48
  looks
• 9:49
  like
• 9:49
  now.
• 9:50
  Stability
• 9:51
  means
• 9:51
  you
• 9:51
  can
• 9:52
  withstand
• 9:52
  change
• 9:52
  without
• 9:53
  collapsing,
• 9:53
  without
• 9:54
  falling
• 9:54
  apart.
• 9:56
  It
• 9:56
  means
• 9:56
  being
• 9:57
  prepared.
• 9:57
  It
• 9:58
  means
• 9:58
  being
• 9:58
  adaptable,
• 9:59
  and
• 9:59
  it
• 9:59
  means
• 10:00
  building
• 10:00
  that
• 10:00
  margin.
• 10:02
  It
• 10:03
  means
• 10:03
  having
• 10:03
  sober
• 10:04
  expectations
• 10:05
  and
• 10:05
  steady
• 10:05
  habits.
• 10:07
  It
• 10:08
  means
• 10:08
  your
• 10:08
  peace
• 10:08
  isn't
• 10:09
  built
• 10:09
  entirely
• 10:09
  on
• 10:10
  circumstances
• 10:10
  and
• 10:11
  staying
• 10:11
  easy
• 10:12
  on
• 10:12
  things.
• 10:12
  That's
• 10:12
  not
• 10:12
  selling
• 10:13
  for
• 10:13
  less.
• 10:13
  That's
• 10:14
  just
• 10:14
  building
• 10:14
  wiser
• 10:17
  friend.
• 10:17
  Biblical
• 10:17
  stability
• 10:18
  isn't
• 10:18
  perfect
• 10:19
  control.
• 10:19
  You
• 10:19
  can't
• 10:20
  control
• 10:20
  everything.
• 10:22
  You
• 10:22
  can't.
• 10:24
  If
• 10:24
  I
• 10:24
  burst
• 10:24
  your
• 10:24
  bubble,
• 10:25
  sorry,
• 10:25
  but
• 10:25
  that's
• 10:26
  just
• 10:26
  a
• 10:26
  fact.
• 10:28
  But
• 10:28
  biblical
• 10:29
  stability
• 10:29
  is
• 10:30
  wise
• 10:30
  stewardship
• 10:31
  under
• 10:31
  changing
• 10:31
  conditions.
• 10:32
  And
• 10:32
  hey,
• 10:32
  we've
• 10:33
  got
• 10:33
  changing
• 10:33
  conditions.
• 10:35
  But
• 10:35
  let
• 10:35
  me
• 10:35
  take
• 10:36
  this
• 10:36
  a
• 10:36
  little
• 10:36
  deeper.
• 10:38
  Because
• 10:38
  what
• 10:38
  may
• 10:38
  really
• 10:38
  be
• 10:39
  shaking
• 10:39
  you
• 10:39
  isn't
• 10:40
  just
• 10:40
  your
• 10:40
  income.
• 10:42
  I
• 10:42
  think
• 10:42
  that's
• 10:42
  part
• 10:42
  of
• 10:42
  it.
• 10:42
  But
• 10:43
  as
• 10:44
  I
• 10:44
  look
• 10:44
  at
• 10:44
  your
• 10:44
  question,
• 10:44
  I
• 10:45
  go
• 10:45
  a
• 10:45
  little
• 10:45
  deeper
• 10:45
  in
• 10:45
  this.
• 10:46
  I
• 10:46
  think
• 10:47
  it
• 10:47
  might
• 10:47
  be
• 10:47
  the
• 10:47
  realization
• 10:48
  that
• 10:48
  that
• 10:48
  life
• 10:49
  blueprint
• 10:49
  you
• 10:49
  trusted
• 10:50
  doesn't
• 10:50
  work
• 10:50
  the
• 10:50
  way
• 10:51
  you
• 10:51
  thought
• 10:51
  it
• 10:51
  would.
• 10:53
  And
• 10:54
  that
• 10:54
  feeling
• 10:54
  can
• 10:54
  be
• 10:55
  disorienting.
• 10:57
  It
• 10:57
  can
• 10:57
  feel
• 10:58
  disappointing.
• 11:00
  It
• 11:00
  can
• 11:00
  even
• 11:00
  feel
• 11:01
  unfair.
• 11:03
  But
• 11:03
  fragile
• 11:04
  systems
• 11:04
  don't
• 11:05
  mean
• 11:05
  that
• 11:05
  God
• 11:05
  has
• 11:05
  abandoned
• 11:06
  you.
• 11:08
  Your
• 11:08
  future
• 11:08
  was
• 11:08
  never
• 11:09
  meant
• 11:09
  to
• 11:09
  rest
• 11:09
  entirely
• 11:10
  on
• 11:10
  one
• 11:11
  job
• 11:11
  or
• 11:12
  one
• 11:12
  employer
• 11:13
  or
• 11:13
  one
• 11:14
  contract
• 11:15
  or
• 11:15
  one
• 11:15
  industry.
• 11:17
  Our
• 11:18
  responsibility
• 11:19
  is
• 11:19
  faithfulness.
• 11:21
  God's
• 11:21
  role
• 11:21
  is
• 11:22
  still
• 11:22
  sovereignty.
• 11:25
  So
• 11:25
  if
• 11:25
  what
• 11:26
  once
• 11:26
  felt
• 11:26
  secure
• 11:27
  now
• 11:27
  feels
• 11:28
  shaky,
• 11:29
  this
• 11:29
  may
• 11:30
  be
• 11:30
  a
• 11:30
  season
• 11:30
  where
• 11:30
  God
• 11:30
  is
• 11:31
  teaching
• 11:31
  you
• 11:31
  something.
• 11:32
  Maybe
• 11:33
  God
• 11:33
  is
• 11:33
  telling
• 11:33
  you
• 11:33
  to
• 11:34
  build
• 11:34
  with
• 11:34
  deeper
• 11:35
  wisdom,
• 11:35
  maybe
• 11:36
  to
• 11:36
  have
• 11:36
  a
• 11:36
  clearer
• 11:36
  vision
• 11:37
  and
• 11:38
  greater
• 11:38
  dependence
• 11:39
  on
• 11:39
  him.
• 11:41
  Maybe
• 11:41
  you
• 11:41
  just
• 11:42
  need
• 11:42
  to
• 11:42
  look
• 11:42
  to
• 11:42
  him
• 11:42
  and
• 11:42
  say,
• 11:42
  lord,
• 11:43
  help
• 11:43
  me
• 11:43
  build
• 11:43
  wisdom
• 11:43
  and
• 11:44
  resilience
• 11:44
  instead
• 11:44
  of
• 11:45
  living
• 11:45
  in
• 11:45
  fear
• 11:45
  of
• 11:46
  uncertainty.
• 11:48
  Fragile
• 11:49
  systems
• 11:49
  don't
• 11:50
  mean
• 11:50
  you're
• 11:50
  a
• 11:50
  failure.
• 11:52
  But
• 11:52
  let's
• 11:52
  get
• 11:52
  to
• 11:52
  today's
• 11:53
  win.
• 11:53
  Here's
• 11:54
  what
• 11:54
  I
• 11:54
  want
• 11:54
  you
• 11:54
  to
• 11:54
  do
• 11:54
  today.
• 11:54
  I
• 11:55
  want
• 11:55
  you
• 11:55
  to
• 11:55
  write
• 11:55
  down
• 11:55
  one
• 11:56
  practical
• 11:56
  way
• 11:56
  to
• 11:57
  increase
• 11:57
  flexibility
• 11:58
  in
• 11:58
  your
• 11:58
  finances
• 11:59
  or
• 11:59
  your
• 11:59
  career
• 11:59
  this
• 12:00
  week.
• 12:00
  That's
• 12:00
  what
• 12:00
  we
• 12:00
  really
• 12:01
  need
• 12:01
  to
• 12:01
  figure
• 12:01
  out.
• 12:01
  What's
• 12:02
  one
• 12:02
  practical
• 12:02
  thing
• 12:03
  you
• 12:03
  can
• 12:03
  do?
• 12:04
  Maybe
• 12:04
  cut
• 12:04
  one
• 12:05
  bill,
• 12:05
  save
• 12:06
  your
• 12:06
  first
• 12:06
  hundred
• 12:06
  bucks,
• 12:07
  Update
• 12:08
  your
• 12:08
  resume,
• 12:09
  Identify
• 12:09
  one
• 12:10
  new
• 12:10
  skill
• 12:10
  to
• 12:10
  develop.
• 12:12
  Focus
• 12:12
  on
• 12:13
  adaptability.
• 12:13
  That's
• 12:14
  the
• 12:14
  key
• 12:14
  word
• 12:14
  for
• 12:15
  today.
• 12:15
  How
• 12:15
  do
• 12:16
  I
• 12:16
  adapt
• 12:16
  to
• 12:17
  what's
• 12:17
  going
• 12:17
  on
• 12:17
  around
• 12:18
  us
• 12:18
  and
• 12:18
  stop
• 12:18
  panicking?
• 12:20
  Which
• 12:20
  leads
• 12:20
  me
• 12:20
  to
• 12:21
  Today's
• 12:21
  Bible
• 12:21
  verse
• 12:22
  comes
• 12:22
  to
• 12:23
  us
• 12:23
  from
• 12:23
  the
• 12:23
  book
• 12:23
  of
• 12:23
  Proverbs
• 12:24
  24:3.
• 12:27
  It
• 12:27
  says,
• 12:27
  by
• 12:27
  wisdom
• 12:28
  a
• 12:28
  house
• 12:28
  is
• 12:29
  built
• 12:29
  and
• 12:30
  through
• 12:30
  understanding
• 12:31
  it
• 12:31
  is
• 12:31
  established.
• 12:33
  Long
• 12:34
  term
• 12:34
  stability
• 12:35
  is
• 12:35
  built
• 12:35
  through
• 12:36
  wisdom
• 12:36
  and
• 12:36
  preparation,
• 12:37
  not
• 12:38
  through
• 12:38
  assuming
• 12:38
  life
• 12:39
  will
• 12:39
  always
• 12:39
  stay
• 12:40
  predictable.
• 12:41
  My
• 12:42
  grandfather
• 12:42
  said
• 12:42
  it
• 12:42
  the
• 12:43
  one
• 12:43
  thing
• 12:43
  about
• 12:43
  life
• 12:43
  is
• 12:44
  it
• 12:44
  is
• 12:44
  unpredictable.
• 12:47
  So
• 12:47
  build
• 12:47
  that
• 12:47
  adaptability.
• 12:49
  How
• 12:49
  about
• 12:49
  we
• 12:49
  pray
• 12:50
  together?
• 12:51
  Heavenly
• 12:51
  Father,
• 12:52
  I
• 12:52
  lift
• 12:53
  up
• 12:53
  the
• 12:53
  person
• 12:53
  who
• 12:54
  feels
• 12:54
  uncertain
• 12:54
  about
• 12:55
  their
• 12:55
  future
• 12:55
  right
• 12:56
  now.
• 12:57
  You
• 12:57
  see
• 12:57
  the
• 12:57
  frustration
• 12:58
  they
• 12:58
  carry.
• 12:59
  You
• 13:00
  see
• 13:00
  the
• 13:00
  disappointment
• 13:01
  they
• 13:01
  feel
• 13:02
  and
• 13:03
  that
• 13:03
  fear
• 13:03
  underneath
• 13:04
  of
• 13:04
  all
• 13:04
  of
• 13:04
  it.
• 13:05
  Give
• 13:06
  them
• 13:06
  wisdom
• 13:06
  as
• 13:06
  they
• 13:07
  make
• 13:07
  decisions
• 13:07
  about
• 13:08
  what
• 13:08
  comes
• 13:08
  next.
• 13:09
  Help
• 13:10
  them
• 13:10
  build
• 13:10
  steady
• 13:11
  foundations
• 13:11
  even
• 13:12
  in
• 13:12
  an
• 13:12
  unpredictable
• 13:13
  world.
• 13:13
  And
• 13:13
  we
• 13:13
  know
• 13:14
  we
• 13:14
  live
• 13:14
  in
• 13:14
  an
• 13:14
  unpredictable
• 13:15
  world.
• 13:16
  Replace
• 13:17
  fear
• 13:17
  with
• 13:17
  discernment,
• 13:19
  replace
• 13:19
  panic
• 13:20
  with
• 13:20
  patience
• 13:21
  and
• 13:21
  replace
• 13:22
  exhaustion
• 13:22
  with
• 13:23
  renewed
• 13:23
  strength.
• 13:24
  Help
• 13:25
  us
• 13:25
  all
• 13:25
  to
• 13:25
  face
• 13:26
  reality
• 13:26
  honestly
• 13:27
  without
• 13:27
  losing
• 13:28
  heart
• 13:29
  and
• 13:29
  remind
• 13:29
  us
• 13:30
  that
• 13:30
  our
• 13:30
  ultimate
• 13:30
  security
• 13:31
  rests
• 13:31
  in
• 13:31
  you,
• 13:31
  Lord,
• 13:32
  not
• 13:32
  in
• 13:32
  a
• 13:32
  changing
• 13:33
  economy
• 13:34
  or
• 13:34
  in
• 13:34
  unstable
• 13:35
  circumstances.
• 13:36
  And
• 13:37
  I
• 13:37
  ask
• 13:37
  this
• 13:37
  in
• 13:38
  Jesus
• 13:38
  name.
• 13:39
  Amen.
• 13:42
  Friend.
• 13:42
  If
• 13:42
  today's
• 13:42
  episode
• 13:43
  encouraged
• 13:43
  you,
• 13:45
  I
• 13:45
  want
• 13:45
  you
• 13:45
  to
• 13:45
  remember
• 13:45
  this
• 13:47
  stability
• 13:48
  today
• 13:48
  is
• 13:48
  built
• 13:49
  through
• 13:49
  wisdom,
• 13:50
  through
• 13:50
  flexibility
• 13:51
  and
• 13:51
  resilience.
• 13:53
  Just
• 13:54
  take
• 13:54
  that
• 13:54
  away
• 13:54
  today.
• 13:54
  Wisdom,
• 13:55
  flexibility
• 13:56
  and
• 13:57
  resilience.
• 13:58
  And
• 13:59
  maybe
• 13:59
  you've
• 13:59
  got
• 13:59
  a
• 13:59
  question
• 14:00
  you'd
• 14:00
  like
• 14:00
  me
• 14:00
  to
• 14:00
  answer
• 14:00
  on
• 14:01
  a
• 14:01
  future
• 14:01
  episode.
• 14:02
  I'd
• 14:02
  love
• 14:02
  for
• 14:02
  you
• 14:03
  to
• 14:03
  head
• 14:03
  over
• 14:03
  to
• 14:03
  financiallyconfidentchristian.com/question
• 14:08
  We'll
• 14:08
  put
• 14:08
  a
• 14:08
  link
• 14:08
  in
• 14:09
  the
• 14:09
  show
• 14:09
  notes,
• 14:09
  but
• 14:09
  again,
• 14:09
  that's
• 14:10
  financially
• 14:11
  confident.
• 14:11
  Christian,
• 14:14
  I
• 14:14
  just
• 14:15
  want
• 14:15
  to
• 14:15
  thank
• 14:15
  you
• 14:15
  so
• 14:15
  much
• 14:15
  for
• 14:16
  joining
• 14:16
  me
• 14:16
  today
• 14:16
  and
• 14:17
  until
• 14:17
  next
• 14:17
  time,
• 14:18
  stay
• 14:18
  financially
• 14:19
  savvy
• 14:20
  and
• 14:20
  may
• 14:20
  God
• 14:20
  bless.
• 14:38
  We
• 14:39
  rise.