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How Can You Have a Healthy Financial Conversation With Your Partner? · Becoming Financially Confident

• 0:37
  It's
• 0:37
  Valentine's
• 0:38
  Day.
• 0:38
  Love
• 0:38
  is
• 0:39
  in
• 0:39
  the
• 0:39
  air.
• 0:39
  There's
• 0:40
  cards
• 0:40
  and
• 0:40
  flowers
• 0:41
  and
• 0:41
  kind
• 0:41
  words
• 0:42
  and
• 0:42
  listen.
• 0:42
  All
• 0:43
  that
• 0:43
  matters.
• 0:43
  I
• 0:43
  get
• 0:44
  it.
• 0:44
  But
• 0:45
  friend,
• 0:45
  there's
• 0:45
  another
• 0:46
  kind
• 0:46
  of
• 0:46
  love
• 0:46
  language
• 0:47
  that
• 0:47
  doesn't
• 0:47
  get
• 0:47
  talked
• 0:48
  about
• 0:48
  enough,
• 0:49
  and
• 0:49
  that's
• 0:49
  money
• 0:50
  conversations.
• 0:51
  Because
• 0:52
  it's
• 0:52
  hard
• 0:52
  to
• 0:52
  feel
• 0:52
  close
• 0:53
  when
• 0:53
  finances
• 0:53
  feel
• 0:54
  tense
• 0:54
  all
• 0:54
  the
• 0:54
  time.
• 0:55
  And
• 0:55
  it's
• 0:56
  hard
• 0:56
  to
• 0:56
  feel
• 0:56
  connected
• 0:57
  when
• 0:57
  money
• 0:57
  talks
• 0:58
  turn
• 0:58
  into
• 0:58
  constant
• 0:59
  arguments.
• 1:00
  And
• 1:01
  if
• 1:01
  you've
• 1:01
  been
• 1:01
  dreading
• 1:02
  that
• 1:02
  next
• 1:02
  we
• 1:02
  need
• 1:02
  to
• 1:02
  talk
• 1:03
  moment,
• 1:04
  you're
• 1:04
  not
• 1:04
  crazy
• 1:04
  for
• 1:04
  feeling
• 1:05
  that
• 1:05
  way.
• 1:05
  You're
• 1:05
  just
• 1:06
  tired
• 1:06
  and
• 1:07
  you're
• 1:07
  going
• 1:07
  to
• 1:07
  be
• 1:07
  okay.
• 1:08
  So
• 1:09
  here's
• 1:09
  the
• 1:09
  question
• 1:09
  we're
• 1:10
  answering
• 1:10
  today.
• 1:10
  How
• 1:11
  can
• 1:11
  you
• 1:11
  have
• 1:11
  a
• 1:11
  healthy
• 1:12
  financial
• 1:12
  conversation
• 1:13
  with
• 1:13
  your
• 1:13
  partner?
• 1:14
  And
• 1:14
  here's
• 1:15
  what
• 1:15
  I
• 1:15
  promise
• 1:15
  you.
• 1:15
  By
• 1:16
  the
• 1:16
  end
• 1:16
  of
• 1:16
  this
• 1:16
  episode,
• 1:17
  you're
• 1:17
  going
• 1:17
  to
• 1:17
  know
• 1:17
  how
• 1:18
  to
• 1:18
  choose
• 1:18
  the
• 1:18
  right
• 1:18
  moment
• 1:19
  to
• 1:19
  talk
• 1:19
  about
• 1:19
  money.
• 1:20
  What
• 1:20
  language
• 1:21
  keeps
• 1:21
  the
• 1:21
  conversation
• 1:22
  safe
• 1:22
  instead
• 1:22
  of
• 1:23
  defensive.
• 1:24
  And
• 1:24
  how
• 1:24
  to
• 1:24
  turn
• 1:24
  money
• 1:25
  talks
• 1:25
  into
• 1:26
  moments
• 1:26
  of
• 1:26
  connection.
• 1:27
  I
• 1:27
  know
• 1:27
  we
• 1:27
  got
• 1:27
  a
• 1:27
  lot
• 1:27
  to
• 1:28
  cover
• 1:28
  today,
• 1:28
  but
• 1:28
  today
• 1:29
  isn't
• 1:29
  about
• 1:29
  lectures.
• 1:30
  It's
• 1:30
  not
• 1:30
  about
• 1:31
  blame.
• 1:31
  It's
• 1:31
  just
• 1:31
  practical
• 1:32
  love
• 1:33
  in
• 1:33
  action
• 1:34
  on
• 1:34
  this
• 1:35
  Valentine's
• 1:35
  Day.
• 1:58
  Hey,
• 1:58
  friend.
• 1:59
  Ralph
• 1:59
  Estep
• 1:59
  Jr.
• 2:00
  Here.
• 2:00
  Welcome
• 2:01
  to
• 2:01
  Financially
• 2:01
  Confident
• 2:02
  Christian,
• 2:02
  where
• 2:03
  we
• 2:03
  learn
• 2:03
  how
• 2:03
  to
• 2:03
  walk
• 2:03
  through
• 2:04
  life
• 2:04
  and
• 2:04
  money
• 2:04
  with
• 2:05
  wisdom,
• 2:05
  with
• 2:06
  peace,
• 2:06
  and
• 2:07
  with
• 2:07
  a
• 2:07
  heart
• 2:07
  anchored
• 2:08
  in
• 2:08
  God's
• 2:08
  truth.
• 2:09
  My
• 2:09
  mission
• 2:10
  on
• 2:10
  this
• 2:10
  show
• 2:10
  every
• 2:10
  day
• 2:10
  is
• 2:10
  to
• 2:11
  help
• 2:11
  you
• 2:11
  break
• 2:11
  the
• 2:11
  cycle
• 2:12
  of
• 2:12
  financial
• 2:12
  shame
• 2:13
  and
• 2:13
  build
• 2:13
  those
• 2:13
  steady
• 2:14
  habits
• 2:14
  rooted
• 2:15
  in
• 2:15
  faith
• 2:15
  and
• 2:16
  truly
• 2:16
  become
• 2:17
  financially
• 2:18
  confident
• 2:18
  Christians.
• 2:19
  And
• 2:19
  I'm
• 2:19
  really
• 2:19
  glad
• 2:19
  you're
• 2:20
  here
• 2:20
  today.
• 2:20
  So
• 2:20
  again,
• 2:21
  happy
• 2:21
  Valentine's
• 2:22
  Day.
• 2:23
  Yesterday
• 2:23
  we
• 2:23
  talked
• 2:23
  about
• 2:24
  saver
• 2:24
  versus
• 2:25
  Spender
• 2:25
  dynamics.
• 2:26
  We
• 2:26
  talked
• 2:26
  about
• 2:26
  those
• 2:26
  different
• 2:27
  personalities,
• 2:28
  the
• 2:28
  different
• 2:28
  instincts,
• 2:29
  and
• 2:30
  honestly,
• 2:30
  the
• 2:30
  different
• 2:31
  fears.
• 2:31
  And
• 2:32
  today's
• 2:32
  that
• 2:32
  next
• 2:33
  natural
• 2:34
  step
• 2:34
  because
• 2:35
  understanding
• 2:35
  differences
• 2:36
  matters.
• 2:37
  But
• 2:37
  listen,
• 2:37
  knowing
• 2:38
  how
• 2:38
  to
• 2:38
  talk
• 2:38
  about
• 2:38
  them
• 2:39
  is
• 2:39
  what
• 2:39
  actually
• 2:40
  brings
• 2:40
  peace
• 2:40
  in
• 2:41
  the
• 2:41
  relationship.
• 2:42
  And
• 2:42
  friend,
• 2:43
  if
• 2:43
  money
• 2:43
  talks
• 2:44
  have
• 2:44
  been
• 2:44
  hard
• 2:45
  for
• 2:45
  you,
• 2:45
  I
• 2:46
  want
• 2:46
  you
• 2:46
  to
• 2:46
  feel
• 2:47
  safe
• 2:47
  here.
• 2:47
  This
• 2:47
  is
• 2:48
  not
• 2:48
  some
• 2:48
  do
• 2:48
  better
• 2:49
  episode.
• 2:49
  This
• 2:50
  is
• 2:50
  let's
• 2:51
  make
• 2:51
  it
• 2:51
  easier
• 2:52
  episode.
• 2:53
  Because
• 2:53
  here's
• 2:53
  the
• 2:54
  question
• 2:54
  I
• 2:54
  hear
• 2:54
  all
• 2:55
  too
• 2:55
  often,
• 2:56
  Ralph.
• 2:56
  How
• 2:56
  do
• 2:57
  we
• 2:57
  talk
• 2:57
  about
• 2:57
  money
• 2:57
  without
• 2:58
  turning
• 2:58
  it
• 2:58
  into
• 2:59
  a
• 2:59
  fight?
• 3:00
  Or
• 3:00
  maybe
• 3:01
  this
• 3:01
  one.
• 3:02
  How
• 3:02
  do
• 3:02
  I
• 3:02
  bring
• 3:03
  up
• 3:03
  money
• 3:03
  without
• 3:03
  starting
• 3:04
  an
• 3:04
  argument?
• 3:05
  And
• 3:05
  I
• 3:06
  want
• 3:06
  to
• 3:06
  start
• 3:06
  off
• 3:06
  by
• 3:06
  saying
• 3:07
  something
• 3:07
  really
• 3:08
  pointed
• 3:08
  at
• 3:08
  the
• 3:08
  beginning.
• 3:09
  That
• 3:09
  question
• 3:10
  shows
• 3:10
  love
• 3:11
  because
• 3:11
  you're
• 3:12
  not
• 3:12
  just
• 3:12
  trying
• 3:12
  to
• 3:13
  fix
• 3:13
  a
• 3:13
  budget.
• 3:14
  You're
• 3:14
  trying
• 3:14
  to
• 3:15
  protect
• 3:15
  a
• 3:15
  relationship.
• 3:17
  So
• 3:17
  if
• 3:17
  money
• 3:17
  talks,
• 3:18
  feel
• 3:18
  tense.
• 3:19
  If
• 3:19
  you
• 3:19
  rehearse
• 3:20
  what
• 3:20
  to
• 3:20
  say
• 3:20
  and
• 3:20
  still
• 3:21
  feel
• 3:21
  misunderstood.
• 3:22
  And
• 3:22
  if
• 3:23
  you
• 3:23
  avoid
• 3:23
  the
• 3:23
  topic
• 3:24
  altogether
• 3:24
  because
• 3:24
  it
• 3:24
  feels
• 3:25
  safer
• 3:25
  to
• 3:25
  just
• 3:25
  avoid
• 3:26
  it,
• 3:26
  you're
• 3:27
  not
• 3:27
  bad
• 3:27
  at
• 3:27
  communication.
• 3:29
  And
• 3:29
  you're
• 3:29
  not
• 3:29
  failing.
• 3:30
  You're
• 3:31
  just
• 3:31
  dealing
• 3:31
  with
• 3:31
  something
• 3:31
  emotional
• 3:32
  without
• 3:33
  a
• 3:33
  shared
• 3:34
  plan.
• 3:34
  And
• 3:35
  when
• 3:35
  there's
• 3:35
  no
• 3:35
  shared
• 3:36
  plan,
• 3:36
  every
• 3:37
  conversation
• 3:38
  feels
• 3:38
  like
• 3:38
  a
• 3:38
  surprise
• 3:39
  test.
• 3:39
  I
• 3:39
  don't
• 3:39
  know
• 3:39
  about
• 3:40
  you,
• 3:40
  but
• 3:40
  when
• 3:40
  I
• 3:40
  was
• 3:40
  in
• 3:40
  school,
• 3:40
  I
• 3:41
  didn't
• 3:41
  like
• 3:41
  those
• 3:41
  surprise
• 3:41
  tests.
• 3:43
  And
• 3:43
  friend,
• 3:43
  you
• 3:43
  don't
• 3:43
  need
• 3:44
  more
• 3:44
  pressure.
• 3:45
  You
• 3:45
  need
• 3:45
  a
• 3:45
  safer
• 3:46
  way
• 3:46
  to
• 3:46
  talk.
• 3:47
  And
• 3:47
  guess
• 3:47
  what?
• 3:48
  That's
• 3:48
  learnable.
• 3:49
  Here's
• 3:50
  the
• 3:50
  truth.
• 3:51
  Money
• 3:51
  conversations
• 3:52
  don't
• 3:52
  fail
• 3:53
  because
• 3:53
  people
• 3:53
  don't
• 3:54
  care.
• 3:55
  I
• 3:55
  just
• 3:55
  don't
• 3:55
  believe
• 3:56
  that
• 3:56
  they
• 3:56
  fail
• 3:56
  because
• 3:57
  they
• 3:57
  happen
• 3:57
  at
• 3:58
  the
• 3:58
  wrong
• 3:58
  time,
• 3:59
  in
• 3:59
  the
• 3:59
  wrong
• 3:59
  tone,
• 4:00
  with
• 4:00
  the
• 4:00
  wrong
• 4:00
  goal.
• 4:01
  Think
• 4:01
  about
• 4:01
  the
• 4:01
  last
• 4:02
  time
• 4:02
  you
• 4:02
  had
• 4:02
  a
• 4:02
  disagreement
• 4:03
  about
• 4:03
  money.
• 4:03
  Was
• 4:04
  it
• 4:04
  at
• 4:04
  the
• 4:04
  right
• 4:04
  time?
• 4:05
  Did
• 4:05
  you
• 4:05
  have
• 4:05
  the
• 4:06
  right
• 4:06
  tone?
• 4:07
  And
• 4:07
  what
• 4:07
  about
• 4:07
  your
• 4:07
  goal?
• 4:08
  See,
• 4:08
  if
• 4:08
  the
• 4:09
  goal
• 4:09
  is
• 4:09
  prove
• 4:10
  I'm
• 4:10
  right
• 4:11
  or
• 4:11
  I'm
• 4:11
  going
• 4:11
  to
• 4:11
  make
• 4:12
  you
• 4:12
  change,
• 4:13
  you're
• 4:13
  going
• 4:14
  to
• 4:14
  feel
• 4:14
  tension.
• 4:15
  Because
• 4:15
  nobody
• 4:15
  feels
• 4:16
  safe
• 4:16
  when
• 4:16
  they're
• 4:16
  being
• 4:16
  targeted.
• 4:17
  They
• 4:17
  just
• 4:17
  don't.
• 4:19
  Healthy
• 4:19
  money
• 4:19
  conversations
• 4:20
  aren't
• 4:21
  built
• 4:21
  in
• 4:21
  crisis.
• 4:22
  They're
• 4:22
  built
• 4:23
  intentionally.
• 4:24
  And
• 4:24
  personally,
• 4:25
  I've
• 4:25
  watched
• 4:25
  couples
• 4:26
  transform
• 4:26
  their
• 4:27
  finances
• 4:27
  without
• 4:28
  ever
• 4:28
  changing
• 4:28
  their
• 4:29
  income.
• 4:29
  See,
• 4:29
  a
• 4:29
  lot
• 4:29
  of
• 4:29
  people
• 4:29
  say,
• 4:30
  well,
• 4:30
  rob,
• 4:30
  all
• 4:30
  they
• 4:31
  did
• 4:31
  was
• 4:31
  they
• 4:31
  made
• 4:31
  more
• 4:31
  money.
• 4:32
  No,
• 4:32
  that's
• 4:32
  not
• 4:32
  what
• 4:33
  did
• 4:34
  was
• 4:34
  by
• 4:34
  changing
• 4:35
  how
• 4:35
  they
• 4:35
  talked
• 4:35
  to
• 4:36
  each
• 4:36
  other,
• 4:36
  they
• 4:37
  didn't
• 4:37
  get
• 4:37
  louder.
• 4:38
  They
• 4:38
  actually
• 4:38
  talked
• 4:39
  more
• 4:39
  often.
• 4:39
  But
• 4:40
  they
• 4:40
  talked
• 4:40
  safer.
• 4:42
  And
• 4:42
  friend,
• 4:42
  when
• 4:43
  conversation
• 4:43
  gets
• 4:44
  safer,
• 4:45
  progress
• 4:46
  gets
• 4:46
  easier.
• 4:47
  I
• 4:47
  never
• 4:48
  forget
• 4:48
  I
• 4:48
  once
• 4:48
  spoke
• 4:48
  with
• 4:48
  a
• 4:49
  couple
• 4:49
  who
• 4:49
  said,
• 4:49
  we
• 4:49
  only
• 4:50
  talk
• 4:50
  about
• 4:50
  money
• 4:50
  when
• 4:51
  something
• 4:51
  goes
• 4:51
  wrong.
• 4:53
  There's
• 4:53
  the
• 4:53
  problem.
• 4:54
  Every
• 4:54
  time
• 4:55
  there
• 4:55
  was
• 4:55
  an
• 4:55
  overdraft
• 4:56
  boy,
• 4:56
  they
• 4:56
  had
• 4:56
  a
• 4:56
  shouting
• 4:57
  match.
• 4:57
  That
• 4:58
  unexpected
• 4:58
  bill,
• 4:58
  those
• 4:59
  stressful
• 4:59
  surprises
• 5:00
  that
• 5:00
  come
• 5:01
  of
• 5:01
  life.
• 5:02
  So
• 5:02
  every
• 5:03
  single
• 5:03
  money
• 5:03
  conversation
• 5:04
  felt
• 5:04
  urgent
• 5:05
  because
• 5:05
  it
• 5:05
  was.
• 5:06
  It
• 5:06
  was
• 5:06
  accusatory,
• 5:07
  it
• 5:07
  was
• 5:07
  heavy,
• 5:08
  it
• 5:08
  was
• 5:08
  burdensome.
• 5:09
  It
• 5:09
  was
• 5:09
  not
• 5:09
  a
• 5:09
  safe
• 5:10
  place.
• 5:11
  And
• 5:11
  I
• 5:12
  asked
• 5:12
  them
• 5:12
  this.
• 5:12
  I
• 5:12
  said,
• 5:12
  what
• 5:13
  if
• 5:13
  you
• 5:13
  talked
• 5:13
  about
• 5:13
  money
• 5:14
  when
• 5:14
  nothing
• 5:14
  is
• 5:14
  on
• 5:15
  fire?
• 5:15
  They
• 5:16
  looked
• 5:16
  at
• 5:16
  me
• 5:16
  like
• 5:16
  I
• 5:16
  was
• 5:17
  crazy.
• 5:18
  But
• 5:18
  they
• 5:18
  started
• 5:19
  that
• 5:19
  doing
• 5:19
  simply
• 5:20
  just
• 5:20
  one
• 5:20
  check
• 5:21
  in
• 5:21
  each
• 5:21
  week.
• 5:22
  It
• 5:22
  wasn't
• 5:22
  about
• 5:22
  blame,
• 5:23
  just
• 5:23
  an
• 5:23
  update
• 5:23
  on
• 5:23
  where
• 5:24
  we
• 5:24
  are.
• 5:25
  And
• 5:25
  friend,
• 5:26
  over
• 5:26
  time,
• 5:28
  that
• 5:28
  couple
• 5:28
  started
• 5:29
  feeling
• 5:29
  better
• 5:29
  about
• 5:30
  each
• 5:30
  other.
• 5:30
  Money
• 5:30
  stopped
• 5:31
  feeling
• 5:31
  like
• 5:31
  an
• 5:31
  enemy,
• 5:32
  and
• 5:32
  it
• 5:33
  started
• 5:33
  feeling
• 5:33
  like
• 5:33
  a
• 5:33
  shared
• 5:34
  responsibility,
• 5:34
  because
• 5:35
  that's
• 5:35
  what
• 5:35
  it
• 5:35
  was.
• 5:35
  This
• 5:36
  is
• 5:36
  the
• 5:36
  same
• 5:36
  couple
• 5:37
  making
• 5:37
  the
• 5:37
  same
• 5:37
  income.
• 5:38
  What
• 5:38
  changed
• 5:39
  their
• 5:39
  tone
• 5:40
  and
• 5:40
  the
• 5:41
  peace?
• 5:42
  So
• 5:42
  here's
• 5:43
  today's
• 5:43
  central
• 5:43
  question.
• 5:44
  What
• 5:45
  would
• 5:45
  change
• 5:45
  if
• 5:45
  money
• 5:46
  conversations
• 5:46
  felt
• 5:47
  safe
• 5:47
  in
• 5:47
  your
• 5:48
  home?
• 5:49
  What
• 5:49
  would
• 5:49
  change
• 5:49
  if
• 5:50
  both
• 5:50
  of
• 5:50
  you
• 5:50
  could
• 5:50
  breathe
• 5:51
  while
• 5:51
  talking
• 5:52
  about
• 5:52
  that
• 5:52
  budget?
• 5:53
  And
• 5:53
  listen,
• 5:53
  we're
• 5:54
  not
• 5:54
  aiming
• 5:54
  for
• 5:54
  perfection
• 5:55
  today.
• 5:55
  We're
• 5:56
  just
• 5:56
  aiming
• 5:56
  for
• 5:57
  safety.
• 5:58
  Well,
• 5:58
  I'm
• 5:58
  going
• 5:58
  to
• 5:59
  Give
• 5:59
  you
• 5:59
  a
• 5:59
  simple
• 5:59
  framework
• 6:00
  you
• 6:00
  can
• 6:00
  remember.
• 6:00
  It's
• 6:01
  called
• 6:01
  calm.
• 6:01
  We,
• 6:02
  goals,
• 6:02
  routine
• 6:03
  again.
• 6:03
  That's
• 6:03
  calm.
• 6:04
  We
• 6:05
  goals
• 6:05
  and
• 6:05
  routine.
• 6:05
  Let's
• 6:06
  start
• 6:06
  with
• 6:06
  calm.
• 6:06
  This
• 6:07
  is
• 6:07
  where
• 6:07
  it
• 6:07
  really
• 6:07
  has
• 6:07
  to
• 6:08
  begin.
• 6:08
  You
• 6:08
  got
• 6:09
  to
• 6:09
  pick
• 6:09
  the
• 6:09
  right
• 6:09
  moment.
• 6:10
  Don't
• 6:10
  start.
• 6:11
  Money
• 6:11
  talks
• 6:11
  mid
• 6:11
  argument.
• 6:12
  That
• 6:12
  is
• 6:12
  not
• 6:12
  the
• 6:13
  time
• 6:13
  to
• 6:13
  talk
• 6:13
  about
• 6:13
  money.
• 6:14
  Don't
• 6:14
  do
• 6:14
  it.
• 6:15
  When
• 6:15
  somebody's
• 6:15
  hungry,
• 6:16
  they
• 6:16
  call
• 6:16
  it
• 6:16
  hangry.
• 6:16
  If
• 6:16
  you're
• 6:17
  hangry,
• 6:17
  this
• 6:17
  is
• 6:17
  not
• 6:18
  time
• 6:18
  to
• 6:18
  talk
• 6:18
  about
• 6:18
  money.
• 6:19
  Don't
• 6:19
  do
• 6:19
  it
• 6:19
  when
• 6:19
  you're
• 6:20
  tired.
• 6:20
  Don't
• 6:20
  do
• 6:21
  it
• 6:21
  when
• 6:21
  you're
• 6:21
  rushing
• 6:21
  out
• 6:21
  the
• 6:22
  door.
• 6:22
  You
• 6:22
  got
• 6:23
  to
• 6:23
  think
• 6:23
  about
• 6:23
  this.
• 6:24
  What
• 6:24
  is
• 6:24
  the
• 6:24
  time?
• 6:25
  Timing
• 6:26
  is
• 6:26
  kindness.
• 6:27
  Try
• 6:27
  this
• 6:28
  sentence.
• 6:28
  Hey,
• 6:29
  can
• 6:29
  we
• 6:29
  talk
• 6:29
  about
• 6:29
  money
• 6:30
  for
• 6:30
  15
• 6:30
  minutes
• 6:30
  later
• 6:31
  tonight?
• 6:31
  When
• 6:32
  you're
• 6:32
  relaxed,
• 6:33
  when
• 6:33
  you're
• 6:33
  not
• 6:33
  rushing
• 6:34
  out
• 6:34
  the
• 6:34
  door,
• 6:34
  there's
• 6:35
  not
• 6:35
  some
• 6:35
  stress
• 6:35
  point.
• 6:36
  Not,
• 6:36
  we
• 6:36
  need
• 6:37
  to
• 6:37
  talk
• 6:37
  right
• 6:37
  now.
• 6:37
  Listen,
• 6:38
  I'm
• 6:38
  going
• 6:38
  to
• 6:38
  tell
• 6:38
  you
• 6:38
  right
• 6:38
  now.
• 6:38
  You
• 6:39
  come
• 6:39
  to
• 6:39
  me
• 6:39
  and
• 6:39
  you
• 6:39
  say,
• 6:39
  we
• 6:39
  need
• 6:39
  to
• 6:40
  talk
• 6:40
  right
• 6:40
  now.
• 6:40
  Defense
• 6:41
  is
• 6:41
  up.
• 6:41
  I'm
• 6:42
  tensed
• 6:42
  up.
• 6:42
  I'm
• 6:42
  clenched
• 6:43
  up.
• 6:43
  Because
• 6:44
  the
• 6:44
  goal
• 6:44
  is
• 6:45
  calm.
• 6:46
  Because
• 6:46
  calm
• 6:46
  keeps
• 6:47
  people
• 6:47
  open.
• 6:47
  You
• 6:47
  don't
• 6:47
  want
• 6:47
  to
• 6:48
  close
• 6:48
  if
• 6:48
  you're
• 6:48
  like
• 6:48
  this
• 6:49
  and
• 6:49
  you're
• 6:49
  closed,
• 6:49
  nobody's
• 6:50
  hearing
• 6:50
  you.
• 6:50
  Let's
• 6:51
  go
• 6:51
  to
• 6:51
  we.
• 6:52
  We
• 6:53
  use
• 6:53
  teamwork
• 6:54
  language.
• 6:54
  This
• 6:55
  is
• 6:55
  huge.
• 6:55
  This
• 6:56
  is
• 6:56
  the
• 6:56
  dynamic.
• 6:57
  If
• 6:57
  you
• 6:57
  go
• 6:57
  and
• 6:58
  say
• 6:58
  you
• 6:58
  always
• 6:59
  or
• 6:59
  you
• 6:59
  never
• 7:00
  or
• 7:00
  you
• 7:00
  spent,
• 7:01
  as
• 7:01
  soon
• 7:02
  as
• 7:02
  you
• 7:02
  hear
• 7:02
  the
• 7:02
  word
• 7:02
  you,
• 7:03
  the
• 7:03
  defenses
• 7:04
  are
• 7:04
  up,
• 7:04
  aren't
• 7:04
  they?
• 7:05
  Instead,
• 7:05
  try
• 7:06
  this.
• 7:07
  We
• 7:07
  need
• 7:07
  a
• 7:07
  plan
• 7:07
  we
• 7:08
  both
• 7:08
  can
• 7:08
  feel
• 7:08
  good
• 7:08
  about.
• 7:10
  Or
• 7:10
  how
• 7:10
  about
• 7:10
  this?
• 7:11
  How
• 7:11
  can
• 7:11
  we
• 7:11
  make
• 7:11
  next
• 7:12
  month
• 7:12
  feel
• 7:13
  a
• 7:13
  little
• 7:13
  stressful
• 7:13
  for
• 7:14
  both
• 7:14
  of
• 7:14
  us?
• 7:16
  Friend,
• 7:16
  your
• 7:16
  words
• 7:17
  can
• 7:17
  either
• 7:17
  build
• 7:18
  a
• 7:18
  wall
• 7:19
  or
• 7:19
  build
• 7:19
  a
• 7:19
  bridge.
• 7:20
  What
• 7:21
  do
• 7:21
  you
• 7:21
  want
• 7:21
  here?
• 7:21
  You
• 7:21
  don't
• 7:22
  need
• 7:22
  a
• 7:22
  wall.
• 7:22
  The
• 7:22
  wall's
• 7:23
  already
• 7:23
  up.
• 7:23
  You
• 7:23
  need
• 7:23
  to
• 7:23
  build
• 7:23
  a
• 7:24
  bridge.
• 7:25
  And
• 7:25
  if
• 7:25
  you
• 7:26
  mess
• 7:26
  this
• 7:26
  up
• 7:26
  sometimes,
• 7:27
  you're
• 7:27
  not
• 7:27
  the
• 7:27
  villain.
• 7:28
  You're
• 7:28
  human.
• 7:29
  Just
• 7:29
  reset
• 7:29
  and
• 7:29
  start
• 7:30
  again
• 7:30
  tomorrow.
• 7:30
  Which
• 7:30
  leads
• 7:31
  me
• 7:31
  to
• 7:31
  goals.
• 7:31
  You
• 7:32
  gotta
• 7:32
  aim
• 7:32
  at
• 7:32
  the
• 7:32
  future,
• 7:33
  not
• 7:33
  the
• 7:33
  past.
• 7:34
  This
• 7:34
  is
• 7:34
  what
• 7:34
  bogs
• 7:35
  down
• 7:35
  a
• 7:36
  lot
• 7:36
  of
• 7:36
  people
• 7:36
  in
• 7:36
  this.
• 7:37
  A
• 7:38
  lot
• 7:38
  of
• 7:38
  money
• 7:38
  talks
• 7:39
  becomes
• 7:39
  trials.
• 7:40
  It's
• 7:40
  like
• 7:40
  you
• 7:40
  set
• 7:41
  the
• 7:41
  jury
• 7:41
  and
• 7:41
  you're
• 7:42
  on
• 7:42
  trial.
• 7:42
  Who
• 7:43
  did
• 7:43
  what?
• 7:43
  Who
• 7:44
  messed
• 7:44
  up?
• 7:44
  Who's
• 7:45
  right?
• 7:46
  If
• 7:46
  you
• 7:46
  live
• 7:47
  in
• 7:47
  that,
• 7:47
  friend,
• 7:47
  that's
• 7:48
  exhausting.
• 7:49
  And
• 7:50
  it's
• 7:50
  never
• 7:50
  going
• 7:50
  to.
• 7:51
  You're
• 7:51
  never
• 7:51
  going
• 7:51
  to
• 7:51
  build
• 7:51
  past
• 7:52
  that.
• 7:52
  Instead,
• 7:53
  try
• 7:53
  future
• 7:53
  language.
• 7:55
  What
• 7:55
  do
• 7:55
  we
• 7:55
  want?
• 7:56
  Money
• 7:56
  to
• 7:56
  support
• 7:56
  in
• 7:57
  our
• 7:57
  lives?
• 7:57
  See
• 7:58
  that
• 7:58
  Shared
• 7:58
  vision.
• 7:59
  Do
• 8:00
  we
• 8:00
  want
• 8:00
  more
• 8:00
  peace?
• 8:01
  Do
• 8:01
  we
• 8:02
  want
• 8:02
  less
• 8:02
  debt?
• 8:02
  Do
• 8:02
  we
• 8:03
  want
• 8:03
  a
• 8:03
  cushion?
• 8:03
  Hey,
• 8:03
  maybe
• 8:04
  it's
• 8:04
  a
• 8:04
  family
• 8:04
  trip.
• 8:05
  It's
• 8:05
  a
• 8:05
  safer
• 8:06
  month.
• 8:07
  And
• 8:07
  when
• 8:07
  you
• 8:07
  talk
• 8:08
  about
• 8:08
  goals.
• 8:08
  Stop
• 8:09
  blaming.
• 8:10
  So
• 8:10
  many
• 8:10
  people
• 8:11
  say,
• 8:11
  you
• 8:11
  did
• 8:11
  this
• 8:11
  and
• 8:12
  you
• 8:12
  did
• 8:12
  that
• 8:12
  and
• 8:12
  you
• 8:13
  did
• 8:13
  this.
• 8:13
  And
• 8:13
  you
• 8:14
  know
• 8:14
  what?
• 8:14
  You're
• 8:14
  not
• 8:14
  getting
• 8:15
  anywhere
• 8:15
  with
• 8:15
  that.
• 8:16
  Start
• 8:16
  building
• 8:16
  something
• 8:17
  together.
• 8:17
  Which
• 8:17
  leads
• 8:18
  me
• 8:18
  to
• 8:18
  routine.
• 8:19
  Routine
• 8:19
  is
• 8:20
  the
• 8:20
  secret
• 8:20
  to
• 8:20
  this.
• 8:21
  Consistency
• 8:22
  beats
• 8:22
  the
• 8:22
  crisis
• 8:23
  every
• 8:23
  time
• 8:23
  because
• 8:24
  that's
• 8:24
  where
• 8:24
  trust
• 8:24
  grows.
• 8:25
  Those
• 8:26
  short,
• 8:26
  regular
• 8:27
  conversations
• 8:28
  build
• 8:28
  safety
• 8:28
  over
• 8:29
  time.
• 8:29
  Even
• 8:29
  10
• 8:30
  minutes,
• 8:30
  just
• 8:30
  once
• 8:31
  a
• 8:31
  week,
• 8:31
  it
• 8:32
  moves
• 8:32
  it
• 8:32
  away
• 8:32
  from
• 8:32
  the
• 8:33
  crisis.
• 8:34
  Because
• 8:34
  when
• 8:34
  you
• 8:34
  wait
• 8:35
  until
• 8:35
  something
• 8:35
  breaks,
• 8:36
  your
• 8:36
  brain
• 8:36
  learns
• 8:37
  this
• 8:37
  money
• 8:37
  talk
• 8:37
  equals
• 8:38
  danger.
• 8:38
  There's
• 8:39
  a
• 8:39
  problem
• 8:39
  here.
• 8:40
  As
• 8:40
  soon
• 8:40
  as
• 8:40
  you
• 8:40
  hear
• 8:40
  money,
• 8:41
  oh,
• 8:41
  there
• 8:41
  must
• 8:41
  be
• 8:41
  a
• 8:41
  problem.
• 8:42
  Something's
• 8:42
  overdrafted,
• 8:43
  there's
• 8:43
  an
• 8:43
  emergency
• 8:44
  bill,
• 8:44
  somebody's
• 8:44
  sick.
• 8:45
  But
• 8:46
  that
• 8:46
  routine
• 8:46
  teaches
• 8:47
  money
• 8:47
  talks
• 8:48
  equal
• 8:48
  teamwork.
• 8:48
  This
• 8:48
  is
• 8:49
  our
• 8:49
  teamwork
• 8:49
  time
• 8:50
  and
• 8:51
  friend.
• 8:51
  One
• 8:51
  more
• 8:51
  gentle
• 8:52
  thing.
• 8:53
  Keep
• 8:53
  the
• 8:53
  first
• 8:54
  conversation
• 8:54
  small.
• 8:56
  When
• 8:56
  I
• 8:56
  work
• 8:56
  with
• 8:56
  couples,
• 8:57
  when
• 8:57
  I
• 8:57
  do
• 8:57
  what
• 8:57
  I'll
• 8:57
  call
• 8:57
  couples
• 8:58
  counseling,
• 8:59
  they
• 8:59
  try
• 8:59
  to
• 8:59
  fix
• 9:00
  everything
• 9:00
  at
• 9:00
  once.
• 9:00
  You
• 9:00
  are
• 9:01
  never
• 9:01
  going
• 9:01
  to
• 9:01
  fix
• 9:02
  five
• 9:02
  years
• 9:02
  of
• 9:02
  things
• 9:02
  in
• 9:03
  one
• 9:03
  night.
• 9:03
  It
• 9:03
  isn't
• 9:03
  going
• 9:04
  to
• 9:04
  happen.
• 9:05
  Start
• 9:05
  with,
• 9:05
  what's
• 9:06
  one
• 9:06
  win
• 9:06
  for
• 9:06
  this
• 9:07
  week?
• 9:07
  Hey,
• 9:07
  maybe
• 9:08
  it's
• 9:08
  just
• 9:08
  one
• 9:08
  win
• 9:08
  for
• 9:08
  this
• 9:09
  month.
• 9:10
  What's
• 9:10
  one
• 9:10
  stress
• 9:11
  we
• 9:11
  can
• 9:11
  reduce
• 9:12
  together
• 9:12
  this
• 9:13
  month.
• 9:14
  That
• 9:14
  small
• 9:14
  win
• 9:15
  restores
• 9:15
  hope,
• 9:16
  and
• 9:16
  hope
• 9:17
  keeps
• 9:17
  couples
• 9:18
  connected.
• 9:18
  Which
• 9:19
  leads
• 9:19
  me
• 9:19
  to
• 9:19
  today's
• 9:20
  Bible
• 9:20
  verse.
• 9:20
  It
• 9:20
  comes
• 9:21
  to
• 9:21
  us
• 9:21
  from
• 9:21
  the
• 9:21
  book
• 9:21
  of
• 9:21
  Ephesians
• 9:23
  4.
• 9:24
  29.
• 9:25
  Do
• 9:25
  not
• 9:26
  let
• 9:26
  unwholesome
• 9:26
  talk
• 9:27
  come
• 9:27
  out
• 9:27
  of
• 9:27
  your
• 9:27
  mouths,
• 9:28
  but
• 9:28
  only
• 9:29
  what
• 9:29
  is
• 9:29
  helpful
• 9:29
  for
• 9:30
  building
• 9:30
  others
• 9:30
  up
• 9:30
  according
• 9:31
  to
• 9:31
  their
• 9:31
  needs,
• 9:32
  that
• 9:32
  it
• 9:33
  may
• 9:33
  benefit
• 9:33
  those
• 9:34
  who
• 9:34
  listen.
• 9:36
  Listen,
• 9:37
  that
• 9:37
  verse
• 9:38
  isn't
• 9:38
  telling
• 9:38
  you
• 9:38
  to
• 9:38
  be
• 9:39
  fake.
• 9:40
  People
• 9:40
  say,
• 9:40
  well,
• 9:40
  I
• 9:40
  got
• 9:41
  to
• 9:41
  pretend
• 9:41
  I'm
• 9:41
  going
• 9:41
  to
• 9:41
  put
• 9:41
  on
• 9:42
  this
• 9:42
  show,
• 9:42
  Ralph.
• 9:42
  No,
• 9:43
  it's
• 9:43
  reminding
• 9:43
  you
• 9:44
  that
• 9:44
  your
• 9:44
  words
• 9:45
  have
• 9:45
  power.
• 9:46
  They
• 9:47
  can
• 9:47
  tear
• 9:47
  people
• 9:47
  down
• 9:48
  or
• 9:49
  they
• 9:49
  can
• 9:49
  build
• 9:49
  safety.
• 9:51
  And
• 9:51
  when
• 9:51
  it
• 9:51
  comes
• 9:52
  to
• 9:52
  money,
• 9:53
  choose
• 9:53
  words
• 9:54
  that
• 9:54
  protect
• 9:54
  that
• 9:54
  love
• 9:55
  that
• 9:55
  you
• 9:55
  have
• 9:55
  for
• 9:55
  each
• 9:55
  other.
• 9:57
  So
• 9:57
  here's
• 9:57
  your
• 9:57
  action
• 9:58
  step
• 9:58
  for
• 9:58
  today.
• 9:58
  It's
• 9:58
  simple
• 9:59
  and
• 9:59
  it's
• 9:59
  doable.
• 10:00
  I
• 10:00
  want
• 10:00
  you
• 10:00
  to
• 10:00
  set
• 10:00
  aside
• 10:01
  a
• 10:01
  30
• 10:01
  minute
• 10:02
  money
• 10:02
  talk
• 10:03
  date
• 10:03
  this
• 10:03
  week.
• 10:03
  Now,
• 10:03
  you
• 10:04
  might
• 10:04
  be
• 10:04
  thinking,
• 10:04
  wait,
• 10:04
  Ralph.
• 10:05
  Date
• 10:05
  night?
• 10:05
  Yes,
• 10:05
  we're
• 10:06
  going
• 10:06
  to
• 10:06
  do
• 10:06
  a
• 10:06
  money
• 10:06
  talk
• 10:06
  date
• 10:07
  night.
• 10:07
  This
• 10:08
  isn't
• 10:08
  time
• 10:08
  to
• 10:08
  argue.
• 10:09
  It's
• 10:09
  not
• 10:09
  the
• 10:10
  time
• 10:10
  to
• 10:10
  fix
• 10:10
  everything.
• 10:10
  It's
• 10:11
  just
• 10:11
  the
• 10:11
  time
• 10:11
  to
• 10:12
  get
• 10:12
  connected.
• 10:12
  And
• 10:13
  here's
• 10:13
  a
• 10:13
  simple
• 10:13
  agenda.
• 10:14
  I
• 10:14
  want
• 10:14
  you
• 10:14
  to
• 10:15
  start
• 10:15
  with
• 10:15
  one.
• 10:15
  Thank
• 10:16
  you.
• 10:16
  Yes,
• 10:17
  I
• 10:17
  started
• 10:17
  there.
• 10:18
  Say
• 10:19
  this.
• 10:19
  I
• 10:19
  appreciate
• 10:20
  how
• 10:20
  you.
• 10:20
  And
• 10:21
  name
• 10:21
  one
• 10:21
  thing
• 10:21
  that
• 10:22
  you
• 10:22
  appreciate
• 10:22
  about
• 10:22
  that
• 10:22
  other
• 10:23
  person.
• 10:24
  The
• 10:24
  second
• 10:24
  thing
• 10:25
  is
• 10:25
  ask
• 10:25
  one
• 10:25
  calm
• 10:26
  question.
• 10:27
  What's
• 10:27
  one
• 10:27
  money
• 10:28
  thing
• 10:28
  that's
• 10:28
  been
• 10:29
  stressing
• 10:29
  you?
• 10:30
  Ask
• 10:30
  each
• 10:30
  of
• 10:30
  you
• 10:31
  that.
• 10:32
  And
• 10:32
  in
• 10:32
  Part
• 10:32
  three
• 10:33
  Choose
• 10:33
  one
• 10:33
  small
• 10:34
  next
• 10:34
  step.
• 10:34
  What's
• 10:35
  one
• 10:35
  small
• 10:35
  move
• 10:36
  we
• 10:36
  can
• 10:36
  make
• 10:36
  this
• 10:36
  week
• 10:37
  to
• 10:37
  feel
• 10:37
  more
• 10:38
  stable?
• 10:38
  Just
• 10:39
  three
• 10:39
  simple
• 10:40
  questions.
• 10:40
  That's
• 10:41
  it.
• 10:41
  Connection
• 10:42
  before
• 10:43
  correction.
• 10:44
  And
• 10:44
  friend,
• 10:44
  that's
• 10:45
  love
• 10:45
  in
• 10:45
  action.
• 10:46
  Lord,
• 10:47
  thank
• 10:47
  you
• 10:47
  for
• 10:47
  the
• 10:48
  gift
• 10:48
  of
• 10:48
  love.
• 10:49
  Help
• 10:49
  us
• 10:49
  communicate
• 10:50
  with
• 10:50
  grace.
• 10:51
  Give
• 10:51
  us
• 10:52
  courage
• 10:52
  to
• 10:52
  speak
• 10:52
  honestly
• 10:53
  and
• 10:53
  wisdom
• 10:54
  to
• 10:54
  speak
• 10:54
  gently.
• 10:55
  Heal
• 10:56
  places
• 10:56
  where
• 10:56
  money
• 10:57
  has
• 10:57
  created
• 10:57
  tension.
• 10:58
  Teach
• 10:58
  us
• 10:59
  to
• 10:59
  listen
• 10:59
  well
• 10:59
  and
• 11:00
  to
• 11:00
  build
• 11:00
  unity
• 11:01
  one
• 11:01
  conversation
• 11:02
  at
• 11:02
  a
• 11:02
  time.
• 11:03
  And
• 11:03
  we
• 11:03
  ask
• 11:04
  this
• 11:04
  in
• 11:04
  Jesus
• 11:05
  name.
• 11:06
  Amen,
• 11:07
  friend.
• 11:08
  If
• 11:08
  money
• 11:08
  conversations
• 11:09
  feel
• 11:09
  hard
• 11:09
  right
• 11:10
  now,
• 11:10
  you're
• 11:11
  not
• 11:11
  the
• 11:11
  only
• 11:11
  one
• 11:11
  feeling
• 11:12
  that.
• 11:13
  And
• 11:13
  honestly,
• 11:14
  you
• 11:14
  don't
• 11:14
  have
• 11:14
  to
• 11:14
  figure
• 11:14
  out
• 11:14
  a
• 11:15
  loan
• 11:15
  anymore.
• 11:15
  Come
• 11:15
  join
• 11:15
  our
• 11:16
  community
• 11:17
  at
• 11:18
  financiallyconfidentchristian.com
• 11:20
  Again,
• 11:20
  that's
• 11:21
  financiallyconfidentchristian.com/Join
• 11:24
  people
• 11:24
  in
• 11:24
  this
• 11:24
  community.
• 11:25
  Tell
• 11:25
  me
• 11:25
  it's
• 11:25
  a
• 11:26
  place
• 11:26
  where
• 11:26
  they
• 11:26
  feel
• 11:26
  safe.
• 11:27
  It's
• 11:27
  a
• 11:28
  place
• 11:28
  where
• 11:28
  they
• 11:28
  can
• 11:28
  admit
• 11:29
  money
• 11:29
  talks
• 11:29
  are
• 11:29
  hard
• 11:30
  for
• 11:30
  us,
• 11:30
  Ralph.
• 11:31
  But
• 11:31
  it's
• 11:31
  a
• 11:31
  place
• 11:32
  without
• 11:32
  judgment,
• 11:32
  without
• 11:33
  shame,
• 11:33
  and
• 11:34
  without
• 11:34
  feeling
• 11:34
  like
• 11:35
  you're
• 11:35
  failing.
• 11:35
  One
• 11:35
  member
• 11:36
  shared
• 11:36
  this
• 11:36
  we
• 11:36
  stopped
• 11:37
  dreading
• 11:37
  money
• 11:37
  talks
• 11:38
  and
• 11:38
  we
• 11:38
  started
• 11:39
  feeling
• 11:39
  like
• 11:39
  a
• 11:39
  team
• 11:39
  again.
• 11:41
  That
• 11:41
  kind
• 11:41
  of
• 11:41
  hope
• 11:41
  is
• 11:41
  for
• 11:42
  you
• 11:42
  too,
• 11:42
  my
• 11:42
  friend.
• 11:43
  So
• 11:43
  go
• 11:43
  to
• 11:44
  financiallyconfidentchristian.com/join
• 11:48
  friend
• 11:48
  love
• 11:48
  isn't
• 11:49
  just
• 11:49
  what
• 11:49
  you
• 11:50
  feel.
• 11:51
  It's
• 11:51
  how
• 11:51
  you
• 11:51
  listen.
• 11:52
  It's
• 11:53
  how
• 11:53
  you
• 11:53
  speak.
• 11:54
  It's
• 11:54
  how
• 11:54
  you
• 11:54
  build
• 11:54
  together.
• 11:56
  And
• 11:56
  you
• 11:56
  can
• 11:56
  learn
• 11:56
  this
• 11:57
  even
• 11:57
  if
• 11:57
  you
• 11:57
  didn't
• 11:57
  grow
• 11:58
  up
• 11:58
  with
• 11:58
  it.
• 11:58
  Even
• 11:58
  if
• 11:58
  you've
• 11:59
  never
• 11:59
  seen
• 11:59
  this
• 11:59
  mirrored
• 12:00
  in
• 12:00
  your
• 12:00
  own
• 12:00
  life,
• 12:01
  and
• 12:01
  even
• 12:02
  if
• 12:02
  you've
• 12:02
  had
• 12:02
  hard
• 12:03
  fights
• 12:03
  before.
• 12:04
  You
• 12:04
  can
• 12:05
  start
• 12:05
  again.
• 12:05
  You
• 12:05
  can
• 12:05
  start
• 12:06
  today
• 12:06
  with
• 12:06
  just
• 12:06
  one
• 12:06
  calm
• 12:07
  conversation,
• 12:07
  just
• 12:08
  one
• 12:08
  gentle
• 12:09
  sentence
• 12:10
  and
• 12:10
  one
• 12:10
  small
• 12:11
  step.
• 12:11
  And
• 12:12
  we're
• 12:12
  going
• 12:12
  to
• 12:12
  continue
• 12:12
  this
• 12:12
  tomorrow.
• 12:13
  We're
• 12:13
  going
• 12:13
  to
• 12:13
  keep
• 12:13
  it
• 12:13
  going.
• 12:13
  We're
• 12:14
  going
• 12:14
  to
• 12:14
  talk
• 12:14
  about
• 12:14
  debt
• 12:14
  and
• 12:15
  marriage,
• 12:15
  how
• 12:15
  you
• 12:16
  can
• 12:16
  tackle
• 12:16
  together
• 12:16
  without
• 12:17
  blame.
• 12:18
  We're
• 12:18
  going
• 12:18
  to
• 12:19
  have
• 12:19
  a
• 12:19
  barn
• 12:19
  burner
• 12:20
  tomorrow.
• 12:21
  And
• 12:21
  if
• 12:21
  this
• 12:21
  10
• 12:22
  episode
• 12:22
  helped
• 12:22
  you
• 12:22
  today,
• 12:23
  I
• 12:23
  want
• 12:23
  to
• 12:23
  encourage
• 12:24
  you
• 12:24
  to
• 12:24
  share
• 12:24
  with
• 12:24
  a
• 12:24
  couple
• 12:25
  who
• 12:25
  needs
• 12:25
  to
• 12:25
  communicate
• 12:26
  better.
• 12:26
  Guess
• 12:26
  what?
• 12:26
  A
• 12:27
  lot
• 12:27
  of
• 12:27
  couples
• 12:27
  need
• 12:27
  to
• 12:27
  hear
• 12:28
  this
• 12:28
  message.
• 12:29
  Because
• 12:29
  this
• 12:29
  show
• 12:30
  isn't
• 12:30
  about
• 12:30
  financial
• 12:31
  shame.
• 12:31
  It's
• 12:32
  about
• 12:32
  walking
• 12:32
  in
• 12:33
  wisdom,
• 12:33
  staying
• 12:34
  steady,
• 12:34
  and
• 12:34
  truly
• 12:35
  becoming
• 12:35
  a
• 12:36
  financially
• 12:36
  confident
• 12:37
  Christian.
• 12:38
  God
• 12:38
  bless
• 12:38
  you
• 12:38
  friend,
• 12:39
  and
• 12:39
  don't
• 12:39
  forget
• 12:39
  to
• 12:39
  join
• 12:40
  me
• 12:40
  again
• 12:40
  on
• 12:40
  tomorrow's
• 12:41
  show.