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What Do I Focus On When Every Financial Goal Feels Urgent? · Becoming Financially Confident

• 0:37
  Does
• 0:37
  it
• 0:38
  ever
• 0:38
  feel
• 0:38
  like
• 0:38
  every
• 0:39
  financial
• 0:39
  goal
• 0:39
  is
• 0:40
  just
• 0:40
  shouting
• 0:40
  at
• 0:41
  you?
• 0:41
  Retirement,
• 0:43
  emergency
• 0:44
  fund,
• 0:45
  college
• 0:45
  savings,
• 0:47
  paying
• 0:47
  off
• 0:47
  debt,
• 0:48
  investing
• 0:49
  more,
• 0:50
  doing
• 0:50
  better,
• 0:51
  being
• 0:51
  faster.
• 0:53
  And
• 0:53
  no
• 0:53
  matter
• 0:54
  what
• 0:54
  you
• 0:54
  choose,
• 0:55
  you
• 0:55
  feel
• 0:55
  guilty.
• 0:57
  You
• 0:57
  feel
• 0:57
  guilty
• 0:57
  about
• 0:58
  what
• 0:58
  you
• 0:58
  didn't
• 0:58
  choose.
• 1:00
  So
• 1:00
  instead
• 1:00
  of
• 1:00
  moving
• 1:01
  forward,
• 1:02
  you
• 1:02
  just
• 1:02
  freeze.
• 1:04
  So
• 1:04
  today,
• 1:05
  I'm
• 1:05
  going
• 1:05
  to
• 1:05
  give
• 1:05
  you
• 1:05
  permission
• 1:06
  to
• 1:06
  focus.
• 1:06
  Now,
• 1:07
  we're
• 1:07
  not
• 1:07
  going
• 1:07
  to
• 1:07
  focus
• 1:07
  on
• 1:08
  everything.
• 1:08
  We're
• 1:09
  going
• 1:09
  to
• 1:09
  focus
• 1:09
  on
• 1:09
  the
• 1:10
  next
• 1:10
  right
• 1:11
  thing.
• 1:33
  Hey,
• 1:34
  friend.
• 1:34
  Ralph
• 1:34
  Estep
• 1:35
  Jr.
• 1:35
  Here.
• 1:36
  This
• 1:36
  is
• 1:36
  financially
• 1:37
  confident
• 1:37
  Christian.
• 1:38
  But
• 1:39
  we're
• 1:39
  breaking
• 1:39
  that
• 1:39
  cycle
• 1:40
  of
• 1:40
  financial
• 1:41
  shame
• 1:42
  and
• 1:42
  truly
• 1:42
  finding
• 1:43
  financial
• 1:43
  confidence.
• 1:45
  And
• 1:45
  today's
• 1:46
  topic
• 1:46
  is
• 1:46
  a
• 1:46
  tough
• 1:47
  one.
• 1:48
  It's
• 1:48
  what
• 1:48
  to
• 1:48
  focus
• 1:49
  on
• 1:49
  when
• 1:49
  every
• 1:49
  goal
• 1:50
  feels
• 1:50
  urgent.
• 1:52
  We
• 1:52
  had
• 1:52
  a
• 1:52
  great
• 1:52
  question
• 1:53
  for
• 1:53
  this.
• 1:53
  I
• 1:53
  want
• 1:53
  to
• 1:53
  get
• 1:53
  today's
• 1:54
  question
• 1:54
  right
• 1:54
  away.
• 1:55
  He
• 1:55
  wrote
• 1:56
  this.
• 1:56
  Ralph,
• 1:57
  I'm
• 1:57
  trying
• 1:57
  to
• 1:57
  think
• 1:58
  about
• 1:58
  the
• 1:58
  future,
• 1:59
  but
• 1:59
  it's
• 2:00
  all
• 2:00
  so
• 2:00
  expensive
• 2:01
  and
• 2:01
  overwhelming.
• 2:02
  Retirement
• 2:04
  saving
• 2:04
  for
• 2:04
  my
• 2:05
  kids,
• 2:06
  building
• 2:06
  an
• 2:06
  emergency
• 2:07
  fund.
• 2:07
  They're
• 2:07
  all
• 2:07
  screaming
• 2:08
  at
• 2:08
  me
• 2:08
  at
• 2:08
  once,
• 2:09
  and
• 2:10
  I
• 2:10
  don't
• 2:10
  know
• 2:10
  which
• 2:10
  one
• 2:11
  to
• 2:11
  focus
• 2:11
  on.
• 2:12
  I'm
• 2:13
  paralyzed
• 2:13
  because
• 2:14
  whatever
• 2:14
  I
• 2:14
  choose
• 2:15
  feels
• 2:16
  like
• 2:16
  I'm
• 2:16
  neglecting
• 2:17
  the
• 2:17
  others.
• 2:18
  How
• 2:18
  do
• 2:18
  I
• 2:19
  pick
• 2:19
  one
• 2:19
  next
• 2:20
  goal
• 2:20
  without
• 2:20
  drowning
• 2:21
  in
• 2:21
  guilt
• 2:22
  about
• 2:22
  what
• 2:22
  I'm
• 2:23
  not
• 2:23
  doing?
• 2:24
  I
• 2:24
  need
• 2:25
  permission
• 2:25
  to
• 2:25
  focus,
• 2:26
  but
• 2:27
  I
• 2:27
  don't
• 2:27
  know
• 2:27
  how
• 2:27
  to
• 2:27
  give
• 2:28
  it
• 2:28
  to
• 2:28
  myself.
• 2:30
  You
• 2:31
  know,
• 2:31
  the
• 2:31
  truth
• 2:31
  is,
• 2:31
  I
• 2:32
  think
• 2:32
  in
• 2:32
  many
• 2:32
  ways
• 2:33
  it's
• 2:34
  all
• 2:34
  about
• 2:34
  giving
• 2:34
  that
• 2:35
  permission
• 2:35
  to
• 2:35
  ourselves.
• 2:37
  Because
• 2:37
  the
• 2:37
  truth
• 2:38
  is
• 2:38
  you
• 2:38
  can
• 2:38
  care
• 2:38
  about
• 2:39
  everything,
• 2:40
  but
• 2:40
  you
• 2:41
  can
• 2:41
  only
• 2:41
  build
• 2:41
  one
• 2:42
  layer
• 2:42
  at
• 2:42
  a
• 2:42
  time.
• 2:43
  I
• 2:43
  think
• 2:43
  about
• 2:44
  building
• 2:44
  a
• 2:44
  house.
• 2:45
  You
• 2:46
  can't
• 2:46
  build
• 2:46
  the
• 2:46
  second
• 2:47
  floor
• 2:47
  until
• 2:48
  you
• 2:48
  built
• 2:48
  a
• 2:48
  basement
• 2:49
  in
• 2:49
  the
• 2:49
  first
• 2:50
  floor
• 2:51
  to
• 2:51
  begin
• 2:51
  with.
• 2:52
  Because,
• 2:53
  friend,
• 2:53
  I
• 2:53
  hear
• 2:53
  it.
• 2:53
  Urgency
• 2:54
  is
• 2:54
  loud.
• 2:55
  We
• 2:56
  got
• 2:56
  to
• 2:56
  save
• 2:56
  for
• 2:57
  retirement.
• 2:57
  We
• 2:57
  got
• 2:57
  to
• 2:57
  have
• 2:58
  that
• 2:58
  emergency
• 2:58
  fund.
• 2:58
  We
• 2:59
  got
• 2:59
  to
• 2:59
  do
• 2:59
  this,
• 2:59
  that,
• 2:59
  and
• 3:00
  the
• 3:00
  other
• 3:00
  thing.
• 3:01
  But
• 3:01
  wisdom
• 3:03
  is
• 3:03
  quiet.
• 3:05
  And
• 3:05
  when
• 3:05
  everything
• 3:06
  feels
• 3:06
  important,
• 3:07
  we
• 3:08
  need
• 3:08
  to
• 3:08
  put
• 3:08
  an
• 3:08
  order
• 3:09
  together,
• 3:10
  not
• 3:10
  some
• 3:10
  level
• 3:11
  of
• 3:11
  high
• 3:11
  tensity.
• 3:12
  Let's
• 3:13
  talk
• 3:13
  about
• 3:13
  a
• 3:14
  simple
• 3:14
  focus
• 3:15
  ladder
• 3:15
  today
• 3:16
  on
• 3:16
  the
• 3:16
  show.
• 3:18
  First
• 3:18
  step,
• 3:19
  you've
• 3:19
  got
• 3:19
  to
• 3:20
  stabilize
• 3:21
  before
• 3:21
  you
• 3:21
  optimize.
• 3:23
  It
• 3:24
  just
• 3:24
  comes
• 3:24
  down
• 3:24
  to
• 3:25
  that.
• 3:25
  It's
• 3:25
  kind
• 3:25
  of
• 3:25
  like
• 3:25
  an
• 3:26
  er.
• 3:26
  When
• 3:26
  you
• 3:26
  check
• 3:27
  into
• 3:27
  the
• 3:27
  er,
• 3:28
  it's
• 3:28
  all
• 3:28
  about
• 3:29
  triage.
• 3:29
  It's
• 3:29
  all
• 3:30
  about
• 3:30
  stabilizing
• 3:31
  the
• 3:31
  patient.
• 3:31
  And
• 3:32
  then
• 3:32
  you
• 3:32
  can
• 3:32
  figure
• 3:32
  out
• 3:33
  what's
• 3:33
  going
• 3:33
  on.
• 3:33
  Well,
• 3:33
  you've
• 3:34
  got
• 3:34
  to
• 3:34
  do
• 3:34
  the
• 3:34
  same
• 3:34
  thing
• 3:35
  with
• 3:35
  your
• 3:35
  financial
• 3:35
  life.
• 3:36
  If
• 3:37
  you
• 3:37
  don't
• 3:37
  have
• 3:37
  a
• 3:38
  small
• 3:38
  emergency
• 3:39
  buffer,
• 3:40
  and
• 3:40
  I'm
• 3:40
  talking
• 3:40
  could
• 3:41
  be
• 3:41
  small,
• 3:41
  $500,
• 3:43
  a
• 3:43
  thousand
• 3:43
  dollars,
• 3:44
  it
• 3:44
  doesn't
• 3:44
  have
• 3:44
  to
• 3:44
  be
• 3:45
  three
• 3:45
  months
• 3:45
  of
• 3:45
  income
• 3:46
  or
• 3:46
  six
• 3:46
  months
• 3:46
  of
• 3:47
  income,
• 3:47
  just
• 3:48
  some
• 3:48
  small
• 3:49
  emergency
• 3:49
  buffer.
• 3:51
  You
• 3:51
  got
• 3:51
  to
• 3:51
  have
• 3:51
  that
• 3:51
  stability.
• 3:52
  Because
• 3:52
  if
• 3:53
  you
• 3:53
  don't,
• 3:53
  what
• 3:53
  happens
• 3:54
  is
• 3:54
  every
• 3:54
  surprise
• 3:55
  becomes
• 3:55
  a
• 3:55
  setback.
• 3:57
  Every
• 3:57
  little
• 3:58
  thing.
• 3:59
  So,
• 3:59
  number
• 3:59
  one
• 3:59
  thing
• 4:00
  you
• 4:00
  asked
• 4:00
  me
• 4:00
  for
• 4:00
  today,
• 4:01
  what
• 4:01
  can
• 4:01
  I
• 4:01
  do?
• 4:02
  Number
• 4:02
  one,
• 4:03
  build
• 4:03
  that
• 4:03
  security
• 4:04
  first.
• 4:05
  Let's
• 4:06
  set
• 4:06
  up
• 4:06
  that
• 4:06
  baseline
• 4:07
  buffer,
• 4:08
  and
• 4:08
  then
• 4:08
  we'll
• 4:08
  talk
• 4:08
  about
• 4:09
  growth
• 4:09
  second.
• 4:11
  Well,
• 4:11
  how
• 4:11
  do
• 4:11
  I
• 4:11
  do
• 4:12
  that?
• 4:12
  You
• 4:13
  gotta
• 4:13
  protect
• 4:13
  the
• 4:14
  present
• 4:14
  before
• 4:15
  the
• 4:15
  distant
• 4:15
  future.
• 4:16
  This
• 4:16
  is
• 4:16
  what
• 4:16
  kind
• 4:17
  of
• 4:17
  kills
• 4:17
  me
• 4:17
  sometimes.
• 4:18
  Clients
• 4:18
  will
• 4:18
  come
• 4:19
  in
• 4:19
  and
• 4:19
  they'll
• 4:19
  say,
• 4:19
  ralph,
• 4:20
  I
• 4:20
  really
• 4:20
  gotta
• 4:21
  save
• 4:21
  for
• 4:21
  retirement.
• 4:22
  And
• 4:22
  I
• 4:22
  look
• 4:23
  at
• 4:23
  their
• 4:23
  stuff
• 4:23
  and
• 4:23
  they've
• 4:24
  got
• 4:24
  credit
• 4:24
  card
• 4:24
  bills
• 4:25
  out
• 4:25
  to
• 4:25
  craziness.
• 4:27
  So
• 4:27
  if
• 4:27
  high
• 4:28
  interest
• 4:28
  debt
• 4:28
  is
• 4:29
  draining
• 4:29
  you,
• 4:30
  you
• 4:30
  gotta
• 4:31
  focus
• 4:31
  there.
• 4:31
  Next,
• 4:33
  Investing
• 4:34
  while
• 4:34
  paying
• 4:34
  22%
• 4:35
  interest
• 4:36
  is
• 4:36
  like
• 4:36
  filling
• 4:36
  a
• 4:36
  bucket
• 4:37
  with
• 4:37
  a
• 4:37
  hole
• 4:37
  in
• 4:37
  it.
• 4:38
  I've
• 4:39
  never
• 4:39
  forget
• 4:39
  this
• 4:39
  client
• 4:39
  said
• 4:40
  to
• 4:40
  me,
• 4:40
  look
• 4:40
  at
• 4:40
  how
• 4:40
  much
• 4:40
  I'm
• 4:41
  saving
• 4:41
  for
• 4:41
  retirement.
• 4:41
  I
• 4:42
  said,
• 4:42
  yeah,
• 4:42
  and
• 4:42
  you're
• 4:43
  spending
• 4:43
  25%
• 4:44
  in
• 4:44
  interest
• 4:45
  every
• 4:45
  month.
• 4:46
  You're
• 4:46
  not
• 4:47
  getting
• 4:47
  anywhere.
• 4:48
  Sure,
• 4:48
  you're
• 4:48
  putting
• 4:48
  away
• 4:49
  money
• 4:49
  for
• 4:49
  the
• 4:49
  future,
• 4:50
  but
• 4:50
  you're
• 4:51
  losing
• 4:51
  today.
• 4:52
  So
• 4:53
  you
• 4:53
  gotta
• 4:53
  plug
• 4:53
  that
• 4:53
  leak
• 4:54
  before
• 4:54
  you
• 4:54
  pour
• 4:55
  more
• 4:55
  money
• 4:55
  and
• 4:56
  more
• 4:56
  water
• 4:56
  into
• 4:57
  it.
• 4:58
  One
• 4:58
  of
• 4:58
  the
• 4:58
  best
• 4:58
  ways
• 4:59
  to
• 4:59
  do
• 4:59
  that
• 4:59
  is
• 5:00
  build
• 5:00
  some
• 5:01
  margin
• 5:01
  before
• 5:02
  building
• 5:02
  a
• 5:02
  legacy.
• 5:03
  Yeah,
• 5:03
  legacies
• 5:04
  are
• 5:04
  great.
• 5:05
  College,
• 5:05
  savings,
• 5:06
  retirement,
• 5:07
  all
• 5:07
  those
• 5:07
  things
• 5:08
  matter.
• 5:08
  They're
• 5:08
  super
• 5:08
  important.
• 5:09
  I'm
• 5:09
  not
• 5:09
  telling
• 5:10
  you
• 5:10
  not
• 5:10
  to
• 5:10
  do
• 5:10
  that.
• 5:11
  But
• 5:12
  if
• 5:12
  you
• 5:12
  can't
• 5:12
  breathe
• 5:13
  month
• 5:13
  to
• 5:13
  month,
• 5:14
  I
• 5:14
  don't
• 5:14
  care
• 5:14
  what
• 5:15
  the
• 5:15
  future
• 5:15
  looks
• 5:15
  like,
• 5:16
  those
• 5:16
  goals
• 5:17
  are
• 5:17
  going
• 5:17
  to
• 5:17
  feel
• 5:18
  crushing.
• 5:18
  And
• 5:19
  today's
• 5:19
  question,
• 5:19
  I
• 5:19
  think,
• 5:20
  really
• 5:20
  alludes
• 5:20
  to
• 5:21
  that.
• 5:21
  Yeah,
• 5:22
  you
• 5:22
  want
• 5:22
  to
• 5:22
  save
• 5:23
  for
• 5:23
  retirement,
• 5:23
  you
• 5:24
  want
• 5:24
  to
• 5:24
  save
• 5:24
  for
• 5:24
  your
• 5:25
  college
• 5:26
  education
• 5:26
  fund.
• 5:27
  But
• 5:28
  you
• 5:28
  got
• 5:28
  to
• 5:28
  start
• 5:28
  by
• 5:29
  building
• 5:29
  that
• 5:29
  emergency
• 5:30
  fund
• 5:30
  first.
• 5:31
  If
• 5:31
  you're
• 5:32
  drowning
• 5:32
  in
• 5:32
  debt,
• 5:33
  build
• 5:33
  a
• 5:33
  debt
• 5:33
  reduction
• 5:34
  plan.
• 5:35
  And
• 5:35
  then
• 5:35
  build
• 5:36
  some
• 5:36
  margin,
• 5:37
  a
• 5:37
  small
• 5:37
  monthly
• 5:38
  surplus.
• 5:39
  Because
• 5:39
  what
• 5:40
  I
• 5:40
  have
• 5:40
  found
• 5:40
  in
• 5:41
  practice
• 5:41
  and
• 5:41
  in
• 5:41
  my
• 5:41
  own
• 5:42
  life,
• 5:43
  that
• 5:43
  margin
• 5:43
  creates
• 5:44
  peace.
• 5:45
  And
• 5:45
  when
• 5:46
  you
• 5:46
  live
• 5:46
  in
• 5:46
  peace,
• 5:47
  it
• 5:47
  is
• 5:47
  going
• 5:47
  to
• 5:48
  fuel
• 5:48
  progress.
• 5:48
  Because
• 5:48
  if
• 5:49
  you
• 5:49
  don't
• 5:49
  have
• 5:49
  peace,
• 5:50
  you're
• 5:50
  going
• 5:50
  to
• 5:51
  be
• 5:51
  in
• 5:51
  constant
• 5:51
  anxiety.
• 5:52
  You're
• 5:52
  going
• 5:53
  to
• 5:53
  make
• 5:53
  bad
• 5:54
  decisions.
• 5:55
  Well,
• 5:55
  how
• 5:55
  do
• 5:55
  you
• 5:56
  do
• 5:56
  that?
• 5:56
  Here's
• 5:57
  what
• 5:57
  I
• 5:57
  encourage
• 5:57
  you
• 5:57
  to
• 5:57
  do.
• 5:58
  Choose
• 5:58
  one
• 5:59
  90
• 5:59
  day
• 6:00
  focus.
• 6:00
  Just
• 6:01
  90
• 6:01
  days.
• 6:01
  Not
• 6:02
  forever,
• 6:02
  not
• 6:03
  the
• 6:03
  rest
• 6:03
  of
• 6:03
  your
• 6:03
  life,
• 6:04
  just
• 6:04
  90
• 6:05
  days.
• 6:05
  What
• 6:06
  I
• 6:06
  want
• 6:06
  you
• 6:06
  to
• 6:06
  do
• 6:06
  is
• 6:07
  write
• 6:07
  at
• 6:07
  the
• 6:07
  top
• 6:07
  of
• 6:07
  a
• 6:08
  page,
• 6:08
  my
• 6:09
  focus
• 6:09
  for
• 6:09
  the
• 6:10
  next
• 6:10
  90
• 6:10
  days
• 6:11
  is
• 6:11
  whatever
• 6:12
  that
• 6:12
  is
• 6:12
  for
• 6:12
  you,
• 6:13
  and
• 6:13
  then
• 6:13
  tune
• 6:14
  out
• 6:14
  the
• 6:14
  rest
• 6:14
  of
• 6:14
  it.
• 6:15
  Ignore
• 6:15
  the
• 6:15
  noise.
• 6:16
  You're
• 6:17
  not
• 6:17
  neglecting
• 6:17
  other
• 6:18
  goals,
• 6:18
  you're
• 6:19
  sequencing
• 6:19
  them
• 6:20
  to
• 6:20
  be
• 6:20
  effective.
• 6:22
  And
• 6:22
  then
• 6:22
  finally
• 6:23
  do
• 6:23
  this.
• 6:24
  Replace
• 6:25
  that
• 6:25
  guilt
• 6:25
  with
• 6:26
  intentionality,
• 6:28
  because
• 6:28
  guilt
• 6:29
  says
• 6:29
  you're
• 6:29
  not
• 6:29
  doing
• 6:29
  enough.
• 6:30
  It
• 6:30
  Was
• 6:30
  right
• 6:30
  in
• 6:30
  the
• 6:30
  letter
• 6:31
  we
• 6:31
  got
• 6:31
  today.
• 6:32
  I'm
• 6:32
  not
• 6:32
  doing
• 6:32
  enough
• 6:33
  Ralph.
• 6:33
  How
• 6:33
  do
• 6:34
  I
• 6:34
  do
• 6:34
  more?
• 6:35
  But
• 6:35
  wisdom
• 6:36
  changes
• 6:36
  that.
• 6:37
  Wisdom
• 6:37
  says
• 6:38
  you're
• 6:38
  doing
• 6:38
  the
• 6:38
  right.
• 6:39
  Next
• 6:40
  thing,
• 6:41
  you're
• 6:41
  not
• 6:42
  behind,
• 6:43
  you're
• 6:43
  building
• 6:44
  layers.
• 6:45
  And
• 6:46
  guess
• 6:46
  what?
• 6:47
  Those
• 6:47
  layers
• 6:48
  take
• 6:48
  time
• 6:48
  to
• 6:48
  build.
• 6:50
  And
• 6:50
  like
• 6:50
  I
• 6:50
  said,
• 6:51
  this
• 6:51
  focus,
• 6:51
  that's
• 6:52
  really
• 6:52
  what
• 6:52
  today's
• 6:52
  about.
• 6:53
  It's
• 6:53
  about
• 6:53
  creating
• 6:54
  a
• 6:54
  focus.
• 6:55
  Because
• 6:55
  when
• 6:55
  you
• 6:55
  have
• 6:56
  that
• 6:56
  focus,
• 6:57
  it
• 6:57
  creates
• 6:58
  freedom.
• 6:59
  So
• 6:59
  here's
• 7:00
  your
• 7:00
  single
• 7:00
  step.
• 7:00
  Here's
• 7:01
  your
• 7:01
  assignment
• 7:01
  for
• 7:02
  today.
• 7:02
  I
• 7:03
  want
• 7:03
  you
• 7:03
  to
• 7:03
  pick
• 7:03
  one
• 7:04
  90
• 7:04
  day
• 7:05
  financial
• 7:05
  focus.
• 7:06
  Just
• 7:06
  one
• 7:07
  of
• 7:07
  those.
• 7:07
  Not
• 7:07
  five,
• 7:08
  not
• 7:08
  three,
• 7:09
  just
• 7:09
  one.
• 7:10
  Write
• 7:10
  it
• 7:10
  down,
• 7:11
  put
• 7:11
  it
• 7:11
  somewhere
• 7:12
  visible
• 7:12
  and
• 7:13
  give
• 7:13
  yourself
• 7:14
  permission.
• 7:14
  I'm
• 7:14
  going
• 7:14
  back
• 7:14
  to
• 7:15
  that
• 7:15
  word,
• 7:15
  permission.
• 7:16
  Give
• 7:16
  yourself
• 7:17
  permission
• 7:17
  to
• 7:17
  ignore
• 7:18
  the
• 7:18
  rest
• 7:18
  of
• 7:18
  those
• 7:19
  things
• 7:19
  for
• 7:19
  now
• 7:20
  and
• 7:20
  just
• 7:20
  focus
• 7:20
  on
• 7:21
  those
• 7:21
  things
• 7:21
  for
• 7:21
  90
• 7:22
  days.
• 7:23
  Let's
• 7:23
  get
• 7:23
  to
• 7:23
  our
• 7:24
  Bible
• 7:24
  verse
• 7:24
  today
• 7:24
  comes
• 7:25
  to
• 7:25
  us
• 7:25
  from
• 7:25
  the
• 7:25
  book
• 7:25
  of
• 7:25
  James,
• 7:26
  chapter
• 7:27
  one,
• 7:27
  verse
• 7:27
  five.
• 7:29
  If
• 7:29
  any
• 7:29
  of
• 7:29
  you
• 7:30
  lacks
• 7:30
  wisdom,
• 7:31
  you
• 7:31
  should
• 7:31
  ask
• 7:32
  God,
• 7:32
  who
• 7:33
  gives
• 7:33
  generously
• 7:34
  to
• 7:34
  all
• 7:34
  without
• 7:34
  finding
• 7:35
  fault.
• 7:36
  And
• 7:36
  it
• 7:36
  will
• 7:36
  be
• 7:37
  given
• 7:37
  to
• 7:37
  you.
• 7:38
  What
• 7:38
  a
• 7:38
  reassuring
• 7:39
  verse.
• 7:39
  Today
• 7:41
  it
• 7:41
  will
• 7:41
  be
• 7:41
  given
• 7:42
  to
• 7:42
  you.
• 7:43
  See,
• 7:43
  God
• 7:44
  doesn't
• 7:44
  shame
• 7:44
  you
• 7:44
  for
• 7:44
  not
• 7:45
  knowing
• 7:45
  what
• 7:45
  to
• 7:45
  prioritize.
• 7:47
  He
• 7:47
  wants
• 7:47
  you
• 7:47
  to
• 7:47
  come
• 7:48
  to
• 7:48
  him.
• 7:49
  He
• 7:49
  invites
• 7:50
  you
• 7:50
  to
• 7:50
  ask
• 7:50
  for
• 7:50
  his
• 7:51
  wisdom.
• 7:51
  Well,
• 7:51
  let's
• 7:52
  do
• 7:52
  that
• 7:52
  right
• 7:52
  now.
• 7:53
  Let's
• 7:53
  pray
• 7:53
  together.
• 7:54
  Father
• 7:54
  God,
• 7:55
  there
• 7:55
  is
• 7:56
  so
• 7:56
  much
• 7:56
  pressure
• 7:57
  around
• 7:57
  us.
• 7:58
  So
• 7:58
  many
• 7:59
  voices,
• 8:00
  so
• 8:00
  many
• 8:00
  expectations,
• 8:02
  so
• 8:02
  many
• 8:02
  financial
• 8:03
  goals
• 8:03
  pulling
• 8:04
  at
• 8:04
  us
• 8:04
  at
• 8:04
  once
• 8:05
  right
• 8:05
  now.
• 8:06
  Lord,
• 8:06
  I
• 8:06
  ask
• 8:06
  that
• 8:06
  you
• 8:07
  would
• 8:07
  give
• 8:07
  my
• 8:07
  friend
• 8:07
  clarity.
• 8:09
  This
• 8:09
  isn't
• 8:09
  a
• 8:09
  time
• 8:09
  for
• 8:10
  panic
• 8:10
  or
• 8:11
  guilt
• 8:11
  or
• 8:11
  comparison.
• 8:13
  Lord,
• 8:13
  give
• 8:14
  them
• 8:14
  wisdom
• 8:14
  to
• 8:14
  choose
• 8:15
  that
• 8:15
  next
• 8:15
  right
• 8:16
  step
• 8:16
  for
• 8:16
  them.
• 8:17
  Calm
• 8:18
  the
• 8:18
  noise,
• 8:19
  steady
• 8:20
  their
• 8:20
  heart,
• 8:21
  and
• 8:21
  help
• 8:21
  them
• 8:22
  trust
• 8:22
  that
• 8:22
  progress
• 8:23
  in
• 8:23
  sequence
• 8:24
  is
• 8:25
  still
• 8:25
  progress.
• 8:26
  And
• 8:26
  we
• 8:27
  ask
• 8:27
  this
• 8:27
  in
• 8:27
  the
• 8:27
  mighty
• 8:28
  name
• 8:28
  of
• 8:28
  Jesus.
• 8:30
  Amen.
• 8:31
  I
• 8:31
  just
• 8:31
  want
• 8:31
  to
• 8:32
  encourage
• 8:32
  you
• 8:32
  right
• 8:32
  now.
• 8:33
  You
• 8:34
  don't
• 8:34
  have
• 8:34
  to
• 8:34
  build
• 8:35
  everything
• 8:35
  at
• 8:35
  once,
• 8:37
  just
• 8:37
  that
• 8:37
  next
• 8:37
  layer.
• 8:39
  And
• 8:39
  if
• 8:39
  you
• 8:39
  want
• 8:39
  to
• 8:40
  talk
• 8:40
  about
• 8:40
  a
• 8:40
  question
• 8:40
  you've
• 8:41
  got
• 8:41
  for
• 8:41
  this
• 8:41
  show,
• 8:41
  hey,
• 8:42
  this
• 8:42
  is
• 8:42
  super
• 8:42
  cool.
• 8:43
  I
• 8:43
  would
• 8:43
  love
• 8:43
  to
• 8:44
  have
• 8:44
  you
• 8:44
  leave
• 8:44
  me
• 8:44
  a
• 8:45
  voicemail
• 8:45
  just
• 8:45
  like
• 8:45
  you
• 8:46
  call
• 8:46
  your
• 8:46
  friend
• 8:46
  on
• 8:46
  the
• 8:47
  phone.
• 8:47
  You
• 8:47
  can
• 8:47
  do
• 8:47
  the
• 8:48
  same
• 8:48
  with
• 8:48
  the
• 8:48
  show.
• 8:49
  Go
• 8:49
  to
• 8:49
  financiallyconfidentchristian.com/voicemail
• 8:54
  now.
• 8:54
  We'll
• 8:55
  put
• 8:55
  that
• 8:55
  in
• 8:55
  the
• 8:55
  show
• 8:55
  notes.
• 8:56
  We'll
• 8:56
  put
• 8:56
  a
• 8:56
  link
• 8:56
  to
• 8:56
  it
• 8:56
  right
• 8:56
  in
• 8:56
  the
• 8:57
  show
• 8:57
  notes.
• 8:57
  You
• 8:57
  can
• 8:57
  just
• 8:57
  click
• 8:57
  it
• 8:57
  and
• 8:58
  go
• 8:58
  from
• 8:58
  there.
• 8:58
  But
• 8:59
  here
• 8:59
  it
• 8:59
  is
• 8:59
  again.
• 9:00
  FinanciallyconfidentChristian.com/voicemail.
• 9:04
  Guess
• 9:05
  what?
• 9:05
  We'll
• 9:05
  play
• 9:05
  your
• 9:06
  voicemail
• 9:06
  right
• 9:06
  on
• 9:07
  the
• 9:07
  show
• 9:07
  and
• 9:07
  I'll
• 9:07
  answer
• 9:08
  your
• 9:08
  question.
• 9:08
  Well,
• 9:09
  thank
• 9:09
  you
• 9:09
  so
• 9:09
  much
• 9:09
  for
• 9:10
  joining
• 9:10
  me
• 9:10
  today.
• 9:11
  Stay
• 9:11
  financially
• 9:12
  savvy.
• 9:13
  May
• 9:13
  God
• 9:14
  bless
• 9:14
  you.
• 9:14
  And
• 9:15
  you
• 9:15
  have
• 9:15
  a
• 9:15
  truly
• 9:16
  great
• 9:16
  day
• 9:16
  today.