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Is Buy Now Pay Later a Smart Move or a Financial Trap? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  it
• 0:37
  sounds
• 0:38
  harmless.
• 0:39
  Just
• 0:39
  split
• 0:39
  it
• 0:39
  into
• 0:40
  four
• 0:40
  payments.
• 0:41
  No
• 0:41
  interest,
• 0:42
  no
• 0:42
  big
• 0:42
  commitment.
• 0:44
  But
• 0:44
  what
• 0:44
  if
• 0:44
  that
• 0:45
  small
• 0:45
  decision
• 0:46
  today
• 0:46
  creates
• 0:47
  pressure
• 0:47
  you
• 0:47
  feel
• 0:48
  for
• 0:48
  months,
• 0:49
  hey,
• 0:49
  maybe
• 0:50
  even
• 0:50
  years.
• 0:51
  If
• 0:52
  you're
• 0:52
  wondering
• 0:52
  whether
• 0:53
  buy
• 0:53
  now,
• 0:53
  pay
• 0:54
  later
• 0:54
  is
• 0:54
  helping
• 0:55
  you
• 0:55
  or
• 0:55
  quietly
• 0:56
  hurting
• 0:56
  you,
• 0:57
  today
• 0:57
  we're
• 0:58
  going
• 0:58
  to
• 0:58
  bring
• 0:58
  clarity
• 0:59
  to
• 0:59
  that
• 0:59
  decision.
• 1:00
  Very
• 1:01
  practical
• 1:02
  show
• 1:02
  today.
• 1:23
  Hey,
• 1:24
  friend.
• 1:24
  Ralph
• 1:24
  Estep
• 1:25
  Jr.
• 1:25
  Here.
• 1:26
  This
• 1:26
  is
• 1:26
  financially
• 1:27
  Confident
• 1:27
  Christian,
• 1:28
  where
• 1:28
  every
• 1:29
  day
• 1:29
  my
• 1:29
  goal
• 1:29
  is
• 1:30
  to
• 1:30
  help
• 1:30
  you
• 1:30
  break
• 1:30
  that
• 1:31
  cycle
• 1:31
  of
• 1:31
  financial
• 1:32
  shame
• 1:32
  and.
• 1:33
  And
• 1:33
  live
• 1:33
  with
• 1:33
  confidence.
• 1:35
  Now,
• 1:35
  this
• 1:35
  is
• 1:35
  a
• 1:35
  voicemail
• 1:36
  we
• 1:36
  got
• 1:36
  today
• 1:37
  that
• 1:37
  just
• 1:37
  nailed
• 1:38
  it.
• 1:38
  And
• 1:39
  today's
• 1:39
  topic
• 1:39
  is
• 1:40
  buy
• 1:40
  now,
• 1:40
  pay
• 1:41
  later.
• 1:41
  A
• 1:41
  smart
• 1:42
  move
• 1:42
  or
• 1:43
  is
• 1:43
  it
• 1:43
  a
• 1:43
  trap?
• 1:44
  Well,
• 1:45
  let's
• 1:45
  get
• 1:45
  right
• 1:45
  to
• 1:45
  our
• 1:46
  voicemail
• 1:46
  question
• 1:47
  for
• 1:47
  today.
• 1:48
  Ralph,
• 1:49
  I
• 1:50
  need
• 1:50
  to
• 1:50
  be
• 1:50
  straight
• 1:50
  with
• 1:50
  you.
• 1:52
  I'm
• 1:53
  seriously
• 1:53
  considering
• 1:54
  buy
• 1:54
  now,
• 1:54
  pay
• 1:54
  later.
• 1:55
  Not
• 1:56
  because
• 1:56
  I
• 1:56
  want
• 1:56
  to,
• 1:57
  but
• 1:57
  because
• 1:57
  I'm
• 1:57
  running
• 1:58
  out
• 1:58
  of
• 1:58
  options.
• 1:59
  Things
• 1:59
  are
• 2:00
  tight,
• 2:01
  really
• 2:01
  tight.
• 2:02
  And
• 2:02
  I
• 2:03
  keep
• 2:03
  thinking
• 2:03
  maybe
• 2:04
  this
• 2:04
  could
• 2:04
  just
• 2:04
  get
• 2:04
  me
• 2:05
  through
• 2:05
  right
• 2:05
  now,
• 2:06
  give
• 2:06
  me
• 2:06
  some
• 2:06
  breathing
• 2:07
  room.
• 2:09
  But
• 2:09
  here's
• 2:09
  what's
• 2:09
  eating
• 2:10
  at
• 2:10
  me.
• 2:11
  I'm
• 2:11
  scared.
• 2:12
  Scared
• 2:13
  that
• 2:13
  I'm
• 2:13
  about
• 2:13
  to
• 2:13
  make
• 2:13
  a
• 2:14
  decision
• 2:14
  that's
• 2:14
  going
• 2:14
  to
• 2:14
  haunt
• 2:15
  me
• 2:15
  for
• 2:15
  months,
• 2:16
  maybe
• 2:17
  longer.
• 2:18
  I
• 2:18
  don't
• 2:18
  want
• 2:18
  to
• 2:19
  dig
• 2:19
  myself
• 2:19
  deeper
• 2:20
  just
• 2:20
  to
• 2:20
  feel
• 2:20
  okay
• 2:20
  for
• 2:21
  a
• 2:21
  week.
• 2:22
  I
• 2:22
  don't
• 2:22
  want
• 2:22
  to
• 2:22
  look
• 2:22
  back
• 2:23
  and
• 2:23
  realize
• 2:23
  I
• 2:23
  chose
• 2:24
  quick
• 2:24
  relief
• 2:25
  over
• 2:25
  actual
• 2:25
  wisdom.
• 2:28
  The
• 2:28
  thing
• 2:28
  is,
• 2:29
  I
• 2:29
  don't
• 2:29
  even
• 2:29
  know
• 2:30
  what
• 2:30
  else
• 2:30
  to
• 2:30
  do.
• 2:31
  That's
• 2:32
  what's
• 2:32
  really
• 2:32
  getting
• 2:32
  to
• 2:32
  me.
• 2:33
  I
• 2:34
  want
• 2:34
  to
• 2:34
  make
• 2:34
  the
• 2:34
  right
• 2:35
  call.
• 2:35
  I
• 2:36
  want
• 2:36
  to
• 2:36
  be
• 2:36
  disciplined
• 2:36
  about
• 2:37
  this.
• 2:37
  I
• 2:38
  want
• 2:38
  to
• 2:38
  trust
• 2:38
  God
• 2:39
  with
• 2:39
  it.
• 2:40
  But
• 2:40
  right
• 2:40
  now,
• 2:40
  it
• 2:41
  just
• 2:41
  feels
• 2:41
  heavy,
• 2:42
  overwhelming.
• 2:45
  So
• 2:45
  I'm
• 2:45
  asking
• 2:45
  you
• 2:46
  straight
• 2:46
  up.
• 2:47
  Is
• 2:47
  this
• 2:47
  something
• 2:48
  that
• 2:48
  could
• 2:48
  actually
• 2:48
  help
• 2:49
  me,
• 2:49
  or
• 2:50
  am
• 2:50
  I
• 2:50
  just
• 2:50
  walking
• 2:50
  into
• 2:51
  a
• 2:51
  trap?
• 2:52
  And
• 2:53
  if
• 2:53
  buy
• 2:53
  now,
• 2:53
  pay
• 2:53
  later
• 2:54
  isn't
• 2:54
  the
• 2:54
  answer,
• 2:55
  what
• 2:55
  is?
• 2:57
  Because
• 2:57
  I
• 2:57
  really
• 2:58
  need
• 2:58
  something
• 2:58
  that
• 2:58
  gets
• 2:59
  me
• 2:59
  through
• 2:59
  this
• 2:59
  without
• 3:00
  making
• 3:00
  it
• 3:00
  worse.
• 3:02
  Wow.
• 3:03
  There's
• 3:03
  a
• 3:03
  lot
• 3:03
  of
• 3:03
  honesty
• 3:04
  in
• 3:04
  that
• 3:04
  question,
• 3:04
  and
• 3:05
  I
• 3:05
  appreciate
• 3:06
  the
• 3:06
  honesty.
• 3:06
  Thank
• 3:06
  you
• 3:06
  so
• 3:07
  much
• 3:07
  for
• 3:07
  sending
• 3:07
  that
• 3:08
  in.
• 3:08
  If
• 3:08
  you
• 3:08
  want
• 3:08
  to
• 3:08
  send
• 3:08
  over
• 3:09
  a
• 3:09
  voicemail
• 3:10
  message,
• 3:10
  it's
• 3:10
  super
• 3:11
  simple
• 3:11
  to
• 3:11
  do
• 3:11
  that.
• 3:12
  Just
• 3:12
  go
• 3:12
  to
• 3:12
  financiallyconfidentchristian.com
• 3:15
  voicemail.
• 3:16
  You
• 3:16
  just
• 3:17
  hit
• 3:17
  record
• 3:17
  and
• 3:17
  send
• 3:18
  it
• 3:18
  to
• 3:18
  you.
• 3:18
  But
• 3:19
  I
• 3:19
  like
• 3:19
  the
• 3:19
  word
• 3:20
  that
• 3:20
  you
• 3:20
  use
• 3:20
  there.
• 3:21
  You
• 3:21
  used
• 3:22
  the
• 3:22
  word
• 3:22
  desperate.
• 3:23
  And
• 3:24
  when
• 3:24
  I
• 3:24
  heard
• 3:24
  that
• 3:24
  word,
• 3:25
  it
• 3:25
  made
• 3:25
  me
• 3:25
  say,
• 3:26
  you
• 3:26
  know
• 3:26
  what?
• 3:26
  We
• 3:26
  really
• 3:27
  need
• 3:27
  to
• 3:27
  dig
• 3:27
  in
• 3:27
  there
• 3:27
  a
• 3:28
  little
• 3:28
  bit
• 3:28
  because
• 3:29
  it's
• 3:29
  important.
• 3:30
  And
• 3:30
  when
• 3:31
  we
• 3:31
  feel
• 3:31
  desperate
• 3:32
  and
• 3:33
  listen,
• 3:33
  trust
• 3:33
  me,
• 3:33
  I've
• 3:34
  been
• 3:34
  there.
• 3:34
  I've
• 3:35
  been
• 3:35
  in
• 3:35
  that
• 3:35
  feeling
• 3:36
  of
• 3:36
  desperation.
• 3:37
  But
• 3:38
  when
• 3:38
  we
• 3:38
  feel
• 3:38
  desperate,
• 3:39
  the
• 3:40
  truth
• 3:40
  is
• 3:40
  we're
• 3:40
  more
• 3:41
  vulnerable
• 3:41
  and
• 3:42
  we're
• 3:42
  more
• 3:42
  vulnerable
• 3:43
  to
• 3:43
  making
• 3:43
  short
• 3:44
  term
• 3:44
  solutions
• 3:45
  fit.
• 3:46
  But
• 3:47
  right
• 3:47
  now
• 3:47
  we
• 3:47
  gotta
• 3:47
  slow
• 3:47
  this
• 3:48
  down
• 3:48
  a
• 3:48
  little
• 3:48
  bit
• 3:48
  because
• 3:49
  the
• 3:49
  other
• 3:49
  word
• 3:49
  that
• 3:49
  you
• 3:49
  used,
• 3:50
  and
• 3:50
  I
• 3:50
  loved
• 3:51
  it,
• 3:51
  you
• 3:51
  said,
• 3:51
  I
• 3:52
  want
• 3:52
  to
• 3:52
  bring
• 3:52
  some
• 3:52
  wisdom
• 3:53
  into
• 3:53
  it.
• 3:54
  So
• 3:54
  here's
• 3:55
  my
• 3:55
  big
• 3:55
  idea
• 3:56
  for
• 3:56
  today.
• 3:57
  If
• 3:57
  a
• 3:57
  solution
• 3:58
  solves
• 3:58
  today's
• 3:59
  pressure,
• 4:00
  but
• 4:00
  creates
• 4:01
  tomorrow's
• 4:01
  burden,
• 4:02
  that's
• 4:03
  not
• 4:03
  true
• 4:03
  relief.
• 4:04
  So
• 4:04
  let's
• 4:04
  talk
• 4:04
  about
• 4:05
  how
• 4:05
  do
• 4:05
  we
• 4:06
  understand
• 4:06
  if
• 4:07
  this
• 4:07
  is
• 4:07
  a
• 4:07
  good
• 4:07
  choice?
• 4:08
  Is
• 4:08
  this
• 4:08
  true
• 4:08
  relief?
• 4:09
  The
• 4:09
  first
• 4:10
  thing
• 4:10
  you've
• 4:10
  got
• 4:10
  to
• 4:10
  understand,
• 4:11
  and
• 4:11
  this
• 4:12
  is
• 4:12
  like
• 4:12
  that
• 4:12
  30,000
• 4:13
  foot
• 4:13
  view,
• 4:14
  you've
• 4:14
  got
• 4:14
  to
• 4:15
  understand
• 4:15
  what
• 4:15
  you're
• 4:16
  really
• 4:16
  solving.
• 4:17
  It
• 4:18
  might
• 4:18
  seem
• 4:18
  like
• 4:18
  buying
• 4:19
  buy
• 4:19
  now,
• 4:20
  pay
• 4:20
  later
• 4:21
  is
• 4:21
  going
• 4:21
  to
• 4:21
  solve
• 4:22
  a
• 4:22
  problem.
• 4:23
  But
• 4:23
  you've
• 4:23
  got
• 4:23
  to
• 4:24
  ask
• 4:24
  yourself
• 4:24
  the
• 4:24
  bigger
• 4:25
  question,
• 4:26
  what
• 4:26
  problem
• 4:27
  am
• 4:27
  I
• 4:27
  actually
• 4:28
  trying
• 4:28
  to
• 4:28
  solve?
• 4:30
  Because
• 4:30
  if
• 4:30
  you
• 4:30
  don't
• 4:30
  know
• 4:30
  the
• 4:31
  answer
• 4:31
  to
• 4:31
  this
• 4:31
  question,
• 4:32
  it's
• 4:33
  very
• 4:33
  difficult
• 4:33
  to
• 4:33
  figure
• 4:34
  out
• 4:34
  is
• 4:34
  this
• 4:34
  the
• 4:34
  right
• 4:34
  decision
• 4:35
  to
• 4:35
  make?
• 4:35
  Because
• 4:36
  oftentimes
• 4:37
  the
• 4:37
  problem
• 4:38
  you're
• 4:38
  trying
• 4:38
  to
• 4:39
  solve
• 4:39
  is
• 4:39
  maybe
• 4:40
  lack
• 4:40
  of
• 4:40
  cash
• 4:40
  right
• 4:41
  now.
• 4:42
  And
• 4:42
  I
• 4:42
  hear
• 4:42
  that
• 4:42
  in
• 4:43
  your
• 4:43
  question,
• 4:44
  you're
• 4:44
  using
• 4:44
  the
• 4:44
  word
• 4:45
  desperate.
• 4:45
  I
• 4:45
  don't
• 4:45
  know
• 4:45
  what
• 4:46
  else
• 4:46
  to
• 4:46
  do.
• 4:47
  You're
• 4:47
  also
• 4:47
  adding
• 4:48
  urgency
• 4:48
  into
• 4:49
  this
• 4:49
  and
• 4:49
  there's
• 4:49
  a
• 4:50
  ton
• 4:50
  of
• 4:50
  pressure.
• 4:51
  And
• 4:51
  man,
• 4:52
  I
• 4:52
  can
• 4:52
  feel
• 4:52
  the
• 4:52
  emotional
• 4:53
  stress
• 4:53
  in
• 4:53
  this.
• 4:55
  Because
• 4:55
  the
• 4:55
  thing
• 4:56
  you've
• 4:56
  got
• 4:56
  to
• 4:56
  understand
• 4:56
  is
• 4:57
  buy
• 4:57
  now,
• 4:58
  pay
• 4:58
  later
• 4:58
  doesn't
• 4:59
  remove
• 4:59
  the
• 4:59
  cost,
• 5:00
  it
• 5:01
  just
• 5:01
  delays
• 5:01
  it.
• 5:02
  And
• 5:02
  it
• 5:03
  doesn't
• 5:03
  delay
• 5:03
  it
• 5:03
  in
• 5:04
  a
• 5:04
  good
• 5:04
  way.
• 5:04
  I
• 5:04
  don't
• 5:04
  know
• 5:04
  how
• 5:05
  many,
• 5:05
  I've
• 5:05
  done
• 5:05
  other
• 5:05
  shows
• 5:06
  about
• 5:06
  this,
• 5:06
  how
• 5:06
  many
• 5:07
  people
• 5:07
  have
• 5:07
  bought
• 5:08
  into
• 5:08
  the
• 5:08
  buy
• 5:08
  now,
• 5:09
  pay
• 5:09
  later
• 5:09
  thing.
• 5:10
  And
• 5:10
  they
• 5:10
  said,
• 5:10
  oh,
• 5:10
  you
• 5:11
  know,
• 5:11
  you're
• 5:11
  going
• 5:11
  to
• 5:11
  have
• 5:11
  one
• 5:12
  year
• 5:12
  with
• 5:12
  no
• 5:12
  interest,
• 5:13
  but
• 5:13
  make
• 5:14
  sure
• 5:14
  you
• 5:14
  get
• 5:14
  that
• 5:14
  paid.
• 5:15
  And
• 5:15
  then
• 5:15
  all
• 5:15
  of
• 5:15
  a
• 5:15
  sudden
• 5:16
  if
• 5:16
  you
• 5:16
  can't
• 5:16
  pay
• 5:16
  it,
• 5:17
  then
• 5:18
  they
• 5:18
  whale
• 5:18
  you
• 5:19
  with
• 5:19
  that
• 5:19
  interest
• 5:19
  that
• 5:19
  it's
• 5:20
  been
• 5:20
  accruing
• 5:20
  from
• 5:20
  the
• 5:21
  beginning.
• 5:22
  So
• 5:22
  yes,
• 5:22
  you're
• 5:23
  delaying
• 5:23
  the
• 5:23
  pressure,
• 5:24
  but
• 5:25
  it's
• 5:25
  still
• 5:25
  pressure.
• 5:27
  So
• 5:27
  if
• 5:27
  you
• 5:27
  got
• 5:27
  to
• 5:27
  start
• 5:27
  off
• 5:28
  by
• 5:28
  understanding
• 5:28
  what
• 5:29
  is
• 5:29
  it
• 5:29
  you're
• 5:29
  trying
• 5:29
  to
• 5:30
  do
• 5:30
  right
• 5:30
  now,
• 5:31
  once
• 5:31
  you
• 5:31
  figure
• 5:32
  that
• 5:32
  out,
• 5:32
  then
• 5:33
  count
• 5:33
  the
• 5:33
  future
• 5:33
  commitments
• 5:34
  because
• 5:34
  this
• 5:35
  is
• 5:35
  where
• 5:35
  people
• 5:35
  get
• 5:35
  caught.
• 5:37
  One
• 5:37
  purchase
• 5:38
  feels
• 5:38
  manageable.
• 5:39
  Oh,
• 5:39
  I'm
• 5:39
  gonna
• 5:40
  do
• 5:40
  this
• 5:40
  one.
• 5:40
  Buy
• 5:41
  here,
• 5:41
  buy
• 5:41
  now,
• 5:42
  pay
• 5:42
  later
• 5:43
  and
• 5:43
  then
• 5:43
  another
• 5:44
  one
• 5:44
  and
• 5:44
  then
• 5:45
  another
• 5:45
  one.
• 5:46
  And
• 5:46
  suddenly,
• 5:46
  and
• 5:47
  trust
• 5:47
  me,
• 5:47
  I've
• 5:47
  fallen
• 5:48
  into
• 5:48
  this
• 5:48
  same
• 5:49
  trap.
• 5:49
  I
• 5:49
  remember
• 5:49
  when
• 5:49
  I
• 5:49
  was
• 5:50
  young,
• 5:50
  I
• 5:50
  was
• 5:50
  first
• 5:51
  getting
• 5:51
  started
• 5:51
  my
• 5:51
  career,
• 5:52
  they
• 5:52
  used
• 5:52
  to
• 5:53
  send
• 5:53
  these
• 5:53
  checks
• 5:53
  out,
• 5:54
  just
• 5:54
  take
• 5:54
  this
• 5:54
  quick
• 5:54
  loan
• 5:55
  or
• 5:55
  go
• 5:55
  get
• 5:55
  this,
• 5:55
  hey,
• 5:56
  same
• 5:56
  as
• 5:56
  cash
• 5:57
  thing.
• 5:57
  My
• 5:57
  credit
• 5:57
  was
• 5:58
  great,
• 5:58
  but
• 5:59
  all
• 5:59
  of
• 5:59
  a
• 5:59
  sudden
• 5:59
  I
• 5:59
  had
• 6:00
  multiple
• 6:00
  payments,
• 6:00
  I
• 6:01
  had
• 6:01
  different
• 6:01
  due
• 6:01
  dates
• 6:02
  I
• 6:02
  had
• 6:02
  overlapping
• 6:03
  obligations
• 6:05
  because
• 6:05
  what
• 6:05
  seemed
• 6:06
  like
• 6:06
  a
• 6:06
  little
• 6:06
  decision
• 6:07
  was
• 6:07
  a
• 6:08
  big
• 6:08
  decision.
• 6:09
  And
• 6:09
  then
• 6:09
  I
• 6:09
  started
• 6:10
  to
• 6:10
  notice
• 6:10
  my
• 6:11
  future
• 6:11
  income
• 6:12
  was
• 6:12
  already
• 6:13
  spoken
• 6:13
  for.
• 6:13
  I
• 6:14
  already
• 6:14
  had
• 6:14
  10
• 6:15
  of
• 6:15
  these
• 6:15
  things.
• 6:15
  And
• 6:16
  see,
• 6:16
  that's
• 6:16
  where
• 6:16
  the
• 6:17
  trap
• 6:17
  begins.
• 6:18
  But
• 6:18
  let's
• 6:19
  get
• 6:19
  real
• 6:19
  practical
• 6:20
  because
• 6:20
  one
• 6:20
  of
• 6:21
  the
• 6:21
  things
• 6:21
  I
• 6:21
  think
• 6:21
  you
• 6:21
  can
• 6:21
  do
• 6:22
  to
• 6:22
  solve
• 6:22
  this
• 6:23
  problem
• 6:23
  is
• 6:23
  ask
• 6:24
  yourself
• 6:24
  what
• 6:24
  I
• 6:25
  call
• 6:25
  the
• 6:25
  cash
• 6:25
  question.
• 6:26
  This
• 6:26
  has
• 6:26
  got
• 6:27
  to
• 6:27
  be
• 6:27
  your
• 6:27
  filter.
• 6:27
  Ask
• 6:28
  yourself
• 6:28
  this.
• 6:29
  If
• 6:29
  I
• 6:29
  had
• 6:29
  the
• 6:30
  cash
• 6:30
  today,
• 6:31
  just
• 6:31
  think
• 6:31
  about
• 6:32
  this.
• 6:32
  If
• 6:32
  I
• 6:32
  had
• 6:32
  the
• 6:33
  cash
• 6:33
  right
• 6:33
  at
• 6:33
  this
• 6:33
  moment,
• 6:34
  would
• 6:34
  I
• 6:35
  still
• 6:35
  buy
• 6:35
  this?
• 6:37
  That's
• 6:37
  what
• 6:37
  you
• 6:37
  got
• 6:37
  to
• 6:37
  ask
• 6:38
  yourself.
• 6:39
  If
• 6:39
  the
• 6:39
  answer
• 6:40
  is
• 6:40
  no,
• 6:40
  guess
• 6:40
  what?
• 6:41
  Ding,
• 6:41
  ding,
• 6:41
  ding,
• 6:41
  ding.
• 6:42
  That's
• 6:42
  your
• 6:42
  signal.
• 6:44
  Because
• 6:44
  financing
• 6:45
  something
• 6:45
  you
• 6:46
  wouldn't
• 6:46
  buy
• 6:46
  outright
• 6:47
  most
• 6:48
  of
• 6:48
  the
• 6:48
  time
• 6:48
  leads
• 6:49
  to
• 6:49
  regret.
• 6:49
  If
• 6:50
  I
• 6:50
  said
• 6:50
  to
• 6:50
  you,
• 6:50
  hey,
• 6:51
  here's
• 6:51
  the
• 6:51
  cash,
• 6:52
  you
• 6:52
  don't
• 6:52
  have
• 6:52
  to
• 6:52
  pay
• 6:52
  me
• 6:53
  back,
• 6:53
  would
• 6:53
  you
• 6:53
  make
• 6:54
  that
• 6:54
  decision?
• 6:55
  If
• 6:55
  you
• 6:55
  say
• 6:56
  no,
• 6:56
  I
• 6:56
  don't
• 6:56
  really
• 6:56
  need
• 6:57
  this,
• 6:57
  Ralph.
• 6:57
  But
• 6:57
  it
• 6:57
  was
• 6:58
  like,
• 6:58
  oh,
• 6:58
  it's
• 6:58
  same
• 6:58
  as
• 6:59
  cash,
• 6:59
  I'll
• 6:59
  do
• 6:59
  it.
• 7:00
  The
• 7:00
  bell
• 7:01
  should
• 7:01
  go
• 7:01
  off
• 7:01
  in
• 7:01
  your
• 7:02
  head
• 7:02
  now.
• 7:03
  Maybe
• 7:03
  it,
• 7:03
  maybe
• 7:03
  you've
• 7:04
  got
• 7:04
  that
• 7:04
  decision.
• 7:04
  You're
• 7:04
  like,
• 7:04
  Ralph,
• 7:05
  yeah,
• 7:05
  I
• 7:05
  would
• 7:05
  make
• 7:05
  this
• 7:05
  decision.
• 7:06
  The
• 7:07
  next
• 7:07
  step
• 7:07
  is
• 7:07
  to
• 7:08
  really
• 7:08
  explore
• 7:08
  some
• 7:09
  better
• 7:09
  short
• 7:09
  term
• 7:10
  options.
• 7:11
  Instead
• 7:11
  of
• 7:11
  adding
• 7:12
  another
• 7:12
  payment,
• 7:13
  maybe
• 7:13
  you
• 7:13
  can
• 7:14
  create
• 7:14
  some
• 7:14
  space.
• 7:15
  This
• 7:16
  could
• 7:16
  be
• 7:16
  things
• 7:16
  like
• 7:17
  delaying
• 7:17
  that
• 7:17
  purchase.
• 7:18
  Maybe,
• 7:18
  yeah,
• 7:18
  we
• 7:18
  need
• 7:18
  this.
• 7:19
  But
• 7:19
  let
• 7:19
  me
• 7:19
  put
• 7:19
  it
• 7:20
  off
• 7:20
  a
• 7:20
  little
• 7:20
  bit.
• 7:21
  Maybe
• 7:21
  there's
• 7:21
  a
• 7:21
  lower
• 7:22
  cost
• 7:22
  option.
• 7:23
  This
• 7:23
  is
• 7:23
  the
• 7:23
  thing
• 7:24
  that
• 7:24
  I
• 7:24
  get
• 7:24
  so
• 7:25
  frustrated
• 7:25
  with,
• 7:25
  the
• 7:25
  buy
• 7:26
  now,
• 7:26
  pay
• 7:26
  later
• 7:27
  things.
• 7:28
  People
• 7:28
  don't
• 7:29
  look
• 7:29
  at
• 7:29
  the
• 7:29
  cost,
• 7:30
  they
• 7:30
  just
• 7:30
  say,
• 7:30
  oh,
• 7:30
  I
• 7:31
  can
• 7:31
  do
• 7:31
  this.
• 7:31
  I
• 7:31
  remember
• 7:32
  at
• 7:32
  one
• 7:32
  point
• 7:32
  I
• 7:32
  was
• 7:32
  really
• 7:32
  desperate
• 7:33
  to
• 7:33
  get
• 7:33
  a
• 7:33
  laptop
• 7:34
  computer.
• 7:35
  I
• 7:35
  could
• 7:35
  care
• 7:36
  less
• 7:36
  how
• 7:36
  much
• 7:36
  the
• 7:37
  cost
• 7:37
  was
• 7:37
  as
• 7:38
  long
• 7:38
  as
• 7:38
  they
• 7:38
  would
• 7:38
  approve
• 7:39
  it
• 7:39
  and
• 7:39
  I
• 7:39
  could
• 7:39
  pay
• 7:39
  monthly.
• 7:40
  But
• 7:40
  there
• 7:41
  were
• 7:41
  better
• 7:41
  options
• 7:41
  out
• 7:42
  there.
• 7:42
  Maybe
• 7:43
  you
• 7:43
  need
• 7:43
  to
• 7:43
  adjust
• 7:44
  your
• 7:44
  current
• 7:44
  budget.
• 7:45
  Maybe
• 7:45
  things
• 7:45
  are
• 7:45
  too
• 7:46
  tight.
• 7:47
  Maybe
• 7:48
  ask
• 7:48
  for
• 7:49
  a
• 7:49
  payment
• 7:49
  plan
• 7:49
  directly
• 7:50
  from
• 7:51
  the
• 7:51
  service
• 7:51
  instead
• 7:52
  of
• 7:52
  using
• 7:52
  this
• 7:53
  third
• 7:53
  party
• 7:53
  financing.
• 7:54
  Here's
• 7:54
  the
• 7:54
  thing
• 7:54
  a
• 7:54
  lot
• 7:55
  of
• 7:55
  people
• 7:55
  don't
• 7:55
  know.
• 7:56
  I
• 7:56
  work
• 7:56
  with
• 7:56
  business
• 7:56
  clients
• 7:57
  that
• 7:57
  sell
• 7:57
  these.
• 7:58
  That
• 7:59
  third
• 7:59
  party
• 7:59
  company
• 8:00
  takes
• 8:01
  a
• 8:01
  huge
• 8:02
  percentage
• 8:02
  of
• 8:02
  the
• 8:02
  profit.
• 8:04
  Sometimes
• 8:05
  if
• 8:05
  you
• 8:05
  reach
• 8:05
  out
• 8:06
  to
• 8:06
  the
• 8:06
  vendor
• 8:07
  directly,
• 8:08
  they
• 8:08
  will
• 8:08
  offer
• 8:09
  you
• 8:09
  a
• 8:09
  better
• 8:09
  option
• 8:10
  because
• 8:11
  those
• 8:11
  options
• 8:11
  aren't
• 8:12
  going
• 8:12
  to
• 8:12
  create
• 8:12
  new
• 8:12
  pressure,
• 8:13
  they're
• 8:13
  just
• 8:13
  going
• 8:13
  to
• 8:13
  reduce
• 8:14
  it.
• 8:14
  But
• 8:15
  in
• 8:15
  the
• 8:15
  end,
• 8:15
  here's
• 8:15
  what
• 8:15
  you've
• 8:16
  got
• 8:16
  to
• 8:16
  do.
• 8:16
  You've
• 8:17
  got
• 8:17
  to
• 8:17
  choose
• 8:18
  peace
• 8:18
  over
• 8:19
  urgency.
• 8:19
  I
• 8:20
  want
• 8:20
  to
• 8:20
  bring
• 8:20
  this
• 8:20
  back
• 8:21
  to
• 8:21
  the
• 8:21
  heart.
• 8:22
  One
• 8:22
  of
• 8:22
  the
• 8:22
  things
• 8:23
  that
• 8:23
  I
• 8:23
  felt
• 8:23
  in
• 8:23
  your
• 8:24
  question
• 8:25
  is
• 8:25
  urgency.
• 8:27
  Fix
• 8:27
  it
• 8:27
  now.
• 8:28
  Relieve
• 8:29
  this
• 8:29
  feeling.
• 8:30
  Those
• 8:31
  are
• 8:31
  urgencies
• 8:31
  that's
• 8:32
  emotion
• 8:32
  talking.
• 8:34
  But
• 8:34
  I
• 8:34
  love
• 8:34
  what
• 8:34
  you
• 8:35
  said.
• 8:35
  You
• 8:35
  said
• 8:35
  wisdom.
• 8:36
  And
• 8:36
  see,
• 8:36
  when
• 8:36
  I
• 8:36
  think
• 8:36
  about
• 8:37
  wisdom,
• 8:37
  I
• 8:37
  think
• 8:37
  of
• 8:38
  pause.
• 8:39
  Let's
• 8:39
  slow
• 8:40
  this
• 8:40
  down
• 8:40
  a
• 8:40
  little
• 8:40
  bit.
• 8:41
  When
• 8:41
  I
• 8:42
  think
• 8:42
  of
• 8:42
  wisdom,
• 8:42
  I
• 8:42
  think,
• 8:43
  think
• 8:45
  and
• 8:45
  choose
• 8:45
  what
• 8:46
  leads
• 8:46
  to
• 8:46
  peace.
• 8:48
  Friend,
• 8:49
  you
• 8:49
  don't
• 8:49
  need
• 8:49
  instant
• 8:50
  relief
• 8:50
  if
• 8:51
  it
• 8:51
  creates
• 8:51
  long
• 8:51
  term
• 8:52
  stress.
• 8:53
  You
• 8:54
  need
• 8:54
  to
• 8:54
  make
• 8:54
  a
• 8:54
  decision
• 8:55
  that
• 8:55
  you
• 8:55
  won't
• 8:55
  regret
• 8:56
  later.
• 8:57
  Because
• 8:57
  not
• 8:58
  every
• 8:58
  quick
• 8:59
  solution
• 8:59
  leads
• 9:00
  to
• 9:00
  lasting
• 9:00
  peace.
• 9:02
  So
• 9:02
  here's
• 9:02
  your
• 9:02
  win
• 9:02
  for
• 9:03
  today.
• 9:03
  Here's
• 9:03
  my
• 9:03
  answer
• 9:04
  to
• 9:04
  your
• 9:04
  question.
• 9:04
  Before
• 9:05
  your
• 9:05
  next
• 9:05
  purchase,
• 9:06
  ask
• 9:06
  yourself
• 9:07
  this
• 9:07
  one
• 9:08
  question.
• 9:09
  Would
• 9:09
  I
• 9:09
  still
• 9:09
  buy
• 9:10
  this
• 9:10
  if
• 9:10
  I
• 9:10
  had
• 9:11
  to
• 9:11
  pay
• 9:11
  for
• 9:11
  it
• 9:11
  today?
• 9:13
  That
• 9:13
  is
• 9:13
  really
• 9:13
  the
• 9:13
  answer
• 9:14
  to
• 9:14
  the
• 9:14
  question,
• 9:14
  would
• 9:15
  you
• 9:15
  still
• 9:15
  buy
• 9:15
  this
• 9:16
  if
• 9:16
  you
• 9:16
  had
• 9:17
  to
• 9:17
  pay
• 9:17
  for
• 9:17
  it
• 9:17
  today?
• 9:18
  And
• 9:18
  then
• 9:18
  let
• 9:18
  that
• 9:18
  answer
• 9:19
  guide
• 9:19
  you
• 9:19
  in
• 9:20
  your
• 9:20
  decision
• 9:20
  making.
• 9:21
  Well,
• 9:21
  let's
• 9:21
  get
• 9:21
  to
• 9:22
  the
• 9:22
  word
• 9:22
  of
• 9:22
  God.
• 9:22
  We're
• 9:22
  going
• 9:22
  to
• 9:23
  go
• 9:23
  to
• 9:23
  Proverbs,
• 9:23
  chapter
• 9:24
  22,
• 9:25
  verse
• 9:25
  7.
• 9:26
  It
• 9:26
  says
• 9:26
  the
• 9:27
  rich
• 9:27
  rule
• 9:27
  over
• 9:27
  the
• 9:27
  poor
• 9:28
  and
• 9:28
  the
• 9:29
  borrower
• 9:29
  is
• 9:30
  slave
• 9:30
  to
• 9:30
  the
• 9:30
  lender.
• 9:32
  When
• 9:32
  you
• 9:32
  buy
• 9:32
  these,
• 9:33
  buy
• 9:33
  now,
• 9:33
  pay
• 9:34
  here,
• 9:34
  that's
• 9:34
  a
• 9:34
  loan
• 9:35
  and
• 9:36
  you're
• 9:36
  becoming
• 9:36
  a
• 9:36
  slave
• 9:37
  to
• 9:37
  that
• 9:37
  lender.
• 9:37
  Now
• 9:38
  maybe
• 9:38
  this
• 9:38
  is
• 9:38
  the
• 9:38
  best
• 9:39
  decision.
• 9:39
  You've
• 9:39
  said,
• 9:40
  hey,
• 9:40
  this
• 9:40
  works
• 9:40
  for
• 9:40
  me.
• 9:41
  But
• 9:42
  even
• 9:42
  small
• 9:43
  forms
• 9:43
  of
• 9:43
  borrowing
• 9:44
  can
• 9:44
  quietly
• 9:45
  create
• 9:45
  pressure
• 9:46
  and
• 9:46
  dependency.
• 9:48
  But
• 9:48
  God
• 9:48
  calls
• 9:48
  us
• 9:49
  to
• 9:49
  walk
• 9:49
  in
• 9:49
  freedom,
• 9:50
  not
• 9:50
  financial
• 9:51
  bondage.
• 9:51
  So
• 9:51
  if
• 9:51
  this
• 9:52
  is
• 9:52
  creating
• 9:52
  bondage
• 9:53
  for
• 9:53
  you,
• 9:54
  the
• 9:54
  answer
• 9:54
  needs
• 9:55
  to
• 9:55
  be
• 9:55
  no.
• 9:56
  How
• 9:56
  about
• 9:56
  we
• 9:56
  pray
• 9:57
  together?
• 9:58
  Heavenly
• 9:58
  Father,
• 9:59
  right
• 9:59
  now
• 10:00
  I
• 10:00
  lift
• 10:00
  up
• 10:00
  my
• 10:00
  friend
• 10:01
  who
• 10:01
  feels
• 10:01
  pressure
• 10:02
  and
• 10:02
  is
• 10:03
  trying
• 10:03
  to
• 10:03
  make
• 10:03
  the
• 10:03
  best
• 10:04
  decision
• 10:04
  for
• 10:04
  them.
• 10:05
  And
• 10:06
  Lord,
• 10:06
  you
• 10:06
  see
• 10:06
  their
• 10:07
  situation,
• 10:08
  you
• 10:08
  see
• 10:08
  their
• 10:09
  need,
• 10:09
  you
• 10:09
  see
• 10:10
  the
• 10:10
  tension
• 10:10
  that
• 10:10
  they're
• 10:11
  carrying.
• 10:12
  And
• 10:12
  I
• 10:12
  ask
• 10:13
  right
• 10:13
  now,
• 10:13
  Lord,
• 10:13
  that
• 10:13
  you
• 10:13
  would
• 10:14
  give
• 10:14
  them
• 10:14
  clarity
• 10:15
  to
• 10:15
  see
• 10:15
  beyond
• 10:15
  this
• 10:16
  moment
• 10:16
  that
• 10:16
  seems
• 10:17
  like
• 10:17
  they
• 10:17
  got
• 10:17
  to
• 10:17
  make
• 10:17
  this
• 10:18
  decision.
• 10:18
  Lord.
• 10:19
  Give
• 10:19
  them
• 10:19
  wisdom
• 10:20
  to
• 10:20
  choose
• 10:20
  what's
• 10:21
  going
• 10:21
  to
• 10:21
  lead
• 10:21
  to
• 10:22
  peace,
• 10:22
  Lord,
• 10:23
  and
• 10:23
  give
• 10:23
  them
• 10:23
  strength
• 10:24
  to
• 10:24
  pause
• 10:25
  when
• 10:25
  urgency
• 10:26
  tries
• 10:26
  to
• 10:26
  take
• 10:27
  over.
• 10:28
  Help
• 10:28
  us
• 10:28
  all
• 10:28
  to
• 10:29
  trust
• 10:29
  you
• 10:29
  as
• 10:29
  our
• 10:29
  provider,
• 10:30
  Lord,
• 10:30
  to
• 10:30
  make
• 10:31
  better
• 10:31
  decisions
• 10:32
  and
• 10:32
  really
• 10:33
  to
• 10:33
  protect
• 10:33
  our
• 10:33
  future.
• 10:35
  We
• 10:35
  just
• 10:35
  ask
• 10:35
  that
• 10:35
  you
• 10:36
  would
• 10:36
  bring
• 10:36
  peace
• 10:36
  into
• 10:37
  all
• 10:37
  of
• 10:37
  our
• 10:37
  hearts
• 10:38
  and
• 10:38
  direction
• 10:39
  into
• 10:39
  all
• 10:39
  of
• 10:40
  our
• 10:40
  steps.
• 10:40
  And
• 10:40
  we
• 10:40
  ask
• 10:41
  this
• 10:41
  in
• 10:42
  the
• 10:42
  name
• 10:42
  of
• 10:42
  Jesus.
• 10:43
  Amen.
• 10:45
  Friend,
• 10:45
  hear
• 10:45
  me
• 10:46
  on
• 10:46
  this.
• 10:47
  A
• 10:47
  wise
• 10:47
  pause
• 10:48
  today
• 10:49
  can
• 10:49
  prevent
• 10:49
  pressure
• 10:50
  tomorrow.
• 10:50
  You
• 10:51
  don't
• 10:51
  even
• 10:51
  realize
• 10:51
  the
• 10:52
  pressure
• 10:52
  that
• 10:52
  you
• 10:53
  might
• 10:53
  be
• 10:53
  putting
• 10:53
  on
• 10:53
  yourself.
• 10:54
  I've
• 10:54
  been
• 10:54
  there,
• 10:55
  lived
• 10:55
  it.
• 10:55
  It's
• 10:56
  a
• 10:56
  tough
• 10:56
  situation.
• 10:57
  Now,
• 10:57
  maybe
• 10:58
  you're
• 10:58
  walking
• 10:58
  through
• 10:58
  something
• 10:59
  just
• 10:59
  like
• 10:59
  this
• 11:00
  right
• 11:00
  now.
• 11:00
  Maybe
• 11:00
  it's
• 11:00
  not
• 11:01
  buy
• 11:01
  now,
• 11:01
  pay
• 11:02
  later.
• 11:02
  Maybe
• 11:02
  it's
• 11:02
  something
• 11:02
  that
• 11:03
  just
• 11:03
  got
• 11:03
  you
• 11:03
  all
• 11:04
  tied
• 11:04
  up
• 11:04
  in
• 11:04
  knots.
• 11:05
  I
• 11:05
  would
• 11:05
  love
• 11:06
  to
• 11:06
  hear
• 11:06
  your
• 11:06
  voice.
• 11:07
  I'D
• 11:07
  love
• 11:07
  to
• 11:07
  help
• 11:07
  you
• 11:08
  walk
• 11:08
  through
• 11:08
  that.
• 11:08
  That's
• 11:09
  what
• 11:09
  my
• 11:09
  heart's
• 11:09
  all
• 11:09
  about.
• 11:10
  This
• 11:10
  show
• 11:11
  is
• 11:11
  all
• 11:11
  about
• 11:11
  helping
• 11:12
  you
• 11:12
  to
• 11:12
  break
• 11:13
  that
• 11:13
  financial
• 11:14
  shame
• 11:14
  that
• 11:14
  you're
• 11:14
  in.
• 11:15
  But
• 11:15
  if
• 11:15
  you
• 11:15
  want
• 11:15
  to
• 11:15
  send
• 11:16
  me
• 11:16
  a
• 11:16
  voicemail,
• 11:17
  it's
• 11:17
  super
• 11:17
  simple
• 11:17
  to
• 11:18
  do
• 11:18
  it,
• 11:18
  go
• 11:18
  to
• 11:19
  financiallyconfidentchristian.com/voicemail
• 11:22
  we'll
• 11:23
  put
• 11:23
  a
• 11:23
  link
• 11:23
  in
• 11:23
  the
• 11:23
  show
• 11:23
  notes.
• 11:24
  All
• 11:24
  you
• 11:24
  gotta
• 11:24
  do
• 11:24
  is
• 11:24
  click
• 11:24
  on
• 11:25
  that
• 11:25
  click
• 11:25
  record
• 11:26
  and
• 11:26
  hey,
• 11:26
  I'll
• 11:26
  hear
• 11:26
  your
• 11:27
  beautiful
• 11:27
  voice.
• 11:28
  But
• 11:28
  again,
• 11:28
  that's
• 11:28
  financiallyconfidentchristian.com/voicemail
• 11:33
  thank
• 11:33
  you
• 11:33
  so
• 11:33
  much
• 11:33
  for
• 11:34
  the
• 11:34
  question
• 11:34
  today.
• 11:34
  Thank
• 11:35
  you
• 11:35
  for
• 11:35
  joining
• 11:35
  me
• 11:35
  today.
• 11:36
  As
• 11:36
  I
• 11:36
  always
• 11:37
  say,
• 11:37
  stay
• 11:37
  financially
• 11:38
  savvy.
• 11:39
  May
• 11:39
  God
• 11:39
  bless
• 11:40
  you
• 11:40
  and
• 11:40
  you
• 11:41
  have
• 11:41
  a
• 11:41
  truly
• 11:41
  blessed
• 11:42
  day
• 11:42
  today.