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Who’s on Your Financial Dream Team? · Becoming Financially Confident

• 1:20
  Hey,
• 1:20
  are
• 1:20
  you
• 1:21
  carrying
• 1:21
  your
• 1:21
  entire
• 1:21
  financial
• 1:22
  life
• 1:22
  alone?
• 1:23
  The
• 1:23
  budgeting,
• 1:23
  the
• 1:24
  taxes,
• 1:24
  the
• 1:24
  investing,
• 1:25
  those
• 1:25
  are
• 1:25
  big
• 1:25
  decisions
• 1:26
  all
• 1:27
  on
• 1:27
  your
• 1:27
  own
• 1:27
  shoulders.
• 1:28
  Let
• 1:28
  me
• 1:29
  tell
• 1:29
  you
• 1:29
  something
• 1:29
  important.
• 1:30
  You
• 1:31
  are
• 1:31
  never
• 1:31
  meant
• 1:31
  to
• 1:31
  carry
• 1:32
  your
• 1:32
  financial
• 1:32
  life
• 1:32
  solo.
• 1:33
  The
• 1:34
  right
• 1:34
  voices
• 1:34
  don't
• 1:34
  just
• 1:35
  give
• 1:35
  advice.
• 1:35
  They
• 1:36
  save
• 1:36
  you
• 1:36
  time,
• 1:37
  they
• 1:37
  save
• 1:37
  you
• 1:37
  money,
• 1:38
  and
• 1:38
  hey,
• 1:38
  they
• 1:38
  save
• 1:39
  you
• 1:39
  a
• 1:39
  lot
• 1:39
  of
• 1:39
  stress.
• 1:40
  You
• 1:41
  don't
• 1:41
  need
• 1:41
  a
• 1:41
  big
• 1:41
  team.
• 1:42
  You
• 1:42
  just
• 1:42
  need
• 1:42
  the
• 1:43
  right
• 1:43
  team.
• 1:44
  Because
• 1:44
  you
• 1:44
  grow
• 1:44
  faster
• 1:45
  when
• 1:45
  you're
• 1:46
  surrounded
• 1:46
  by
• 1:46
  wise
• 1:47
  counsel.
• 2:09
  Welcome
• 2:09
  back.
• 2:09
  I'm
• 2:09
  Raph.
• 2:10
  And
• 2:10
  if
• 2:10
  you're
• 2:10
  new
• 2:10
  here,
• 2:11
  welcome
• 2:11
  home.
• 2:12
  This
• 2:12
  is
• 2:12
  financially
• 2:13
  Confident
• 2:13
  Christian,
• 2:14
  where
• 2:14
  faith
• 2:14
  shapes
• 2:15
  decisions,
• 2:15
  where
• 2:16
  wisdom
• 2:16
  guides
• 2:17
  stewardship
• 2:17
  and
• 2:18
  community,
• 2:18
  gives
• 2:18
  you
• 2:18
  the
• 2:19
  strength
• 2:19
  for
• 2:19
  the
• 2:19
  journey.
• 2:19
  And
• 2:20
  hey,
• 2:20
  we
• 2:20
  all
• 2:20
  need
• 2:20
  some
• 2:21
  strength
• 2:21
  on
• 2:21
  this
• 2:21
  journey.
• 2:22
  And
• 2:22
  today
• 2:22
  we're
• 2:23
  talking
• 2:23
  about
• 2:23
  something
• 2:23
  most
• 2:24
  people
• 2:24
  completely
• 2:25
  overlook.
• 2:26
  And
• 2:26
  that's
• 2:27
  your
• 2:27
  financial
• 2:27
  dream
• 2:28
  team.
• 2:28
  I'm
• 2:28
  talking
• 2:29
  about
• 2:29
  the
• 2:29
  people
• 2:29
  who
• 2:29
  guide
• 2:30
  you,
• 2:30
  the
• 2:30
  people
• 2:31
  who
• 2:31
  support
• 2:31
  you,
• 2:32
  and
• 2:32
  the
• 2:32
  people
• 2:32
  to
• 2:32
  help
• 2:33
  you
• 2:33
  avoid
• 2:33
  unnecessary
• 2:34
  mistakes.
• 2:36
  Because
• 2:36
  you
• 2:36
  weren't
• 2:37
  meant
• 2:37
  to
• 2:37
  walk
• 2:37
  alone.
• 2:38
  Not
• 2:38
  financially,
• 2:39
  not
• 2:39
  spiritually,
• 2:40
  and
• 2:40
  not
• 2:40
  in
• 2:41
  the
• 2:41
  decisions
• 2:41
  that
• 2:41
  shape
• 2:42
  your
• 2:42
  future.
• 2:43
  A
• 2:43
  listener
• 2:44
  wrote,
• 2:44
  ralph,
• 2:44
  I'm
• 2:44
  handling
• 2:45
  everything
• 2:45
  alone.
• 2:46
  Budgeting,
• 2:47
  taxes,
• 2:47
  investing
• 2:48
  decisions.
• 2:49
  Who
• 2:49
  should
• 2:50
  actually
• 2:50
  be
• 2:50
  on
• 2:50
  my
• 2:51
  financial
• 2:51
  team?
• 2:51
  Ralph,
• 2:53
  I
• 2:53
  don't
• 2:53
  want
• 2:53
  to
• 2:53
  keep
• 2:54
  guessing,
• 2:55
  friend.
• 2:56
  That's
• 2:56
  a
• 2:56
  wise
• 2:56
  question,
• 2:57
  because
• 2:58
  clarity
• 2:58
  comes
• 2:58
  through
• 2:59
  counsel.
• 2:59
  So
• 3:00
  let's
• 3:00
  name
• 3:00
  what
• 3:00
  this
• 3:01
  really
• 3:01
  feels
• 3:02
  like.
• 3:02
  Carrying
• 3:03
  everything
• 3:03
  yourself.
• 3:05
  Trying
• 3:05
  to
• 3:06
  manage
• 3:06
  every
• 3:06
  financial
• 3:07
  decision
• 3:07
  alone
• 3:07
  is
• 3:08
  exhausting.
• 3:09
  It's
• 3:09
  isolating
• 3:10
  it
• 3:10
  honestly.
• 3:11
  It's
• 3:11
  completely
• 3:12
  unnecessary.
• 3:13
  The
• 3:13
  right
• 3:13
  voices
• 3:14
  bring
• 3:14
  clarity
• 3:15
  long
• 3:15
  before
• 3:15
  confusion
• 3:16
  shows
• 3:16
  up
• 3:17
  and
• 3:17
  peace
• 3:18
  long
• 3:18
  before
• 3:18
  the
• 3:18
  storms
• 3:19
  hit.
• 3:20
  You're
• 3:20
  not
• 3:20
  weak
• 3:20
  for
• 3:20
  needing
• 3:21
  support.
• 3:21
  You're
• 3:22
  wise
• 3:22
  for
• 3:23
  seeking
• 3:23
  it.
• 3:23
  Let's
• 3:23
  look
• 3:23
  at
• 3:23
  the
• 3:24
  research
• 3:24
  and
• 3:24
  scripture
• 3:25
  because
• 3:25
  both
• 3:25
  point
• 3:26
  us
• 3:26
  in
• 3:26
  the
• 3:26
  same
• 3:26
  direction.
• 3:27
  Studies
• 3:28
  consistently
• 3:29
  show
• 3:29
  that
• 3:29
  people
• 3:30
  who
• 3:30
  have
• 3:30
  trusted
• 3:30
  advisors
• 3:31
  and
• 3:31
  accountability
• 3:33
  experience
• 3:33
  fewer
• 3:34
  mistakes.
• 3:35
  They
• 3:35
  have
• 3:35
  better
• 3:35
  follow
• 3:35
  through.
• 3:36
  They've
• 3:36
  got
• 3:36
  faster
• 3:37
  progress,
• 3:37
  and
• 3:38
  hey,
• 3:38
  they've
• 3:38
  got
• 3:38
  lower
• 3:39
  stress.
• 3:40
  And
• 3:40
  Scripture
• 3:41
  says
• 3:41
  the
• 3:41
  exact
• 3:42
  same
• 3:42
  thing.
• 3:42
  Look
• 3:43
  at
• 3:43
  Proverbs
• 3:43
  11:14.
• 3:45
  Victory
• 3:45
  is
• 3:45
  won
• 3:46
  through
• 3:46
  many
• 3:47
  advisors.
• 3:48
  Successes
• 3:49
  in
• 3:49
  solo
• 3:50
  success
• 3:51
  is
• 3:51
  supported.
• 3:52
  Well,
• 3:52
  let
• 3:52
  me
• 3:52
  share
• 3:53
  what
• 3:53
  I've
• 3:53
  seen.
• 3:53
  Personally,
• 3:54
  this
• 3:54
  is
• 3:54
  something
• 3:54
  I
• 3:55
  watch
• 3:55
  unfold
• 3:56
  almost
• 3:56
  every
• 3:56
  day
• 3:57
  of
• 3:57
  my
• 3:57
  life.
• 3:58
  For
• 3:58
  decades,
• 3:59
  I've
• 3:59
  helped
• 3:59
  people
• 3:59
  build
• 3:59
  financial
• 4:00
  teams
• 4:00
  that
• 4:00
  actually
• 4:01
  fit
• 4:01
  their
• 4:02
  season
• 4:02
  of
• 4:02
  life.
• 4:02
  We'll
• 4:02
  talk
• 4:03
  about
• 4:03
  seasons
• 4:03
  today.
• 4:04
  And
• 4:04
  here's
• 4:05
  what
• 4:05
  I've
• 4:05
  seen
• 4:05
  again
• 4:06
  and
• 4:06
  again.
• 4:07
  The
• 4:07
  wrong
• 4:08
  voices
• 4:08
  will
• 4:08
  drain
• 4:09
  you.
• 4:09
  I'm
• 4:09
  talking
• 4:09
  about
• 4:10
  seriously
• 4:10
  drain
• 4:10
  you.
• 4:11
  They'll
• 4:11
  drain
• 4:11
  you
• 4:11
  emotionally,
• 4:12
  they'll
• 4:12
  drain
• 4:13
  you
• 4:13
  spiritually,
• 4:13
  and
• 4:14
  unfortunately,
• 4:15
  they
• 4:15
  will
• 4:15
  drain
• 4:15
  you
• 4:15
  financially.
• 4:17
  But
• 4:17
  the
• 4:17
  right
• 4:18
  voices,
• 4:19
  and
• 4:19
  I'm
• 4:19
  going
• 4:19
  to
• 4:19
  tell
• 4:19
  you
• 4:19
  how
• 4:19
  to
• 4:20
  find
• 4:20
  those
• 4:20
  today,
• 4:20
  they
• 4:20
  bring
• 4:21
  clarity.
• 4:21
  They
• 4:21
  Bring
• 4:22
  peace
• 4:22
  and
• 4:23
  they
• 4:23
  bring
• 4:23
  momentum.
• 4:25
  And
• 4:25
  wisdom
• 4:26
  compounds
• 4:26
  when
• 4:26
  it's
• 4:26
  shared.
• 4:27
  Let
• 4:27
  me
• 4:27
  give
• 4:27
  you
• 4:27
  a
• 4:28
  real
• 4:28
  example.
• 4:28
  This
• 4:29
  story
• 4:29
  captures
• 4:30
  it
• 4:30
  perfectly.
• 4:31
  A
• 4:31
  couple
• 4:31
  came
• 4:31
  to
• 4:32
  me
• 4:32
  completely
• 4:32
  overwhelmed.
• 4:33
  I'm
• 4:33
  talking
• 4:33
  about
• 4:33
  they
• 4:34
  were
• 4:34
  overwhelmed.
• 4:36
  They
• 4:36
  added
• 4:36
  just
• 4:37
  three
• 4:37
  things
• 4:37
  to
• 4:37
  their
• 4:38
  lives.
• 4:38
  A
• 4:39
  tax
• 4:39
  professional,
• 4:40
  a
• 4:40
  seasoned
• 4:41
  mentor,
• 4:41
  and
• 4:41
  regular
• 4:42
  financial
• 4:42
  check
• 4:43
  ins.
• 4:43
  Just
• 4:43
  those
• 4:43
  things.
• 4:43
  Just
• 4:44
  three
• 4:44
  things.
• 4:45
  And
• 4:45
  within
• 4:46
  six
• 4:46
  months,
• 4:47
  their
• 4:47
  stress
• 4:48
  dropped,
• 4:48
  their
• 4:49
  books
• 4:49
  were
• 4:49
  clean
• 4:50
  and
• 4:50
  their
• 4:50
  direction
• 4:51
  was
• 4:51
  clear.
• 4:52
  Just
• 4:53
  one
• 4:53
  or
• 4:53
  two
• 4:53
  new
• 4:53
  voices
• 4:54
  created
• 4:54
  a
• 4:54
  brand
• 4:54
  new
• 4:55
  level
• 4:55
  of
• 4:55
  clarity
• 4:56
  in
• 4:56
  their
• 4:56
  lives.
• 4:57
  You
• 4:57
  don't
• 4:58
  need
• 4:58
  a
• 4:58
  big
• 4:58
  team,
• 4:59
  you
• 4:59
  just
• 4:59
  need
• 4:59
  the
• 5:00
  right
• 5:00
  team.
• 5:01
  So
• 5:01
  now
• 5:01
  you're
• 5:01
  asking
• 5:02
  Ralph,
• 5:02
  who
• 5:02
  belongs
• 5:03
  on
• 5:03
  that
• 5:03
  financial
• 5:04
  dream
• 5:04
  team?
• 5:05
  Let's
• 5:05
  walk
• 5:05
  through
• 5:05
  this
• 5:05
  together.
• 5:06
  Number
• 5:07
  one
• 5:07
  thing
• 5:07
  you've
• 5:07
  got
• 5:08
  to
• 5:08
  do
• 5:08
  is
• 5:08
  identify
• 5:09
  the
• 5:09
  core
• 5:09
  roles.
• 5:10
  These
• 5:11
  don't
• 5:11
  have
• 5:11
  to
• 5:11
  be
• 5:11
  huge
• 5:12
  and
• 5:12
  fancy.
• 5:13
  They
• 5:13
  just
• 5:13
  need
• 5:13
  to
• 5:13
  be
• 5:13
  faithful.
• 5:14
  Now
• 5:14
  here's
• 5:14
  the
• 5:14
  ones
• 5:14
  that
• 5:14
  I
• 5:15
  recommend.
• 5:15
  A
• 5:16
  tax
• 5:16
  professional.
• 5:17
  Someone
• 5:17
  that
• 5:17
  will
• 5:18
  give
• 5:18
  you
• 5:18
  clarity,
• 5:19
  compliance
• 5:19
  and
• 5:19
  planning.
• 5:20
  You
• 5:20
  want
• 5:20
  to
• 5:20
  stay
• 5:20
  out
• 5:20
  of
• 5:20
  hot
• 5:20
  water
• 5:20
  with
• 5:21
  the
• 5:21
  irs.
• 5:21
  Second
• 5:22
  person
• 5:22
  I'm
• 5:22
  going
• 5:22
  to
• 5:22
  recommend
• 5:23
  is
• 5:23
  a
• 5:23
  financial
• 5:24
  advisor.
• 5:25
  So
• 5:25
  someone
• 5:25
  who
• 5:25
  has
• 5:25
  a
• 5:26
  keen
• 5:26
  understanding
• 5:27
  of
• 5:27
  long
• 5:27
  term
• 5:27
  investing
• 5:28
  and
• 5:28
  retirement
• 5:29
  direction.
• 5:30
  Another
• 5:30
  thing
• 5:30
  I'm
• 5:31
  going
• 5:31
  to
• 5:31
  encourage
• 5:31
  you
• 5:31
  to
• 5:31
  have
• 5:31
  is
• 5:32
  a
• 5:32
  mentor.
• 5:32
  Someone
• 5:33
  who's
• 5:33
  walked
• 5:33
  further
• 5:34
  than
• 5:34
  you.
• 5:34
  Somebody
• 5:35
  who's
• 5:35
  been
• 5:35
  down
• 5:35
  that
• 5:36
  road
• 5:36
  and
• 5:36
  maybe
• 5:37
  stubbed
• 5:37
  their
• 5:37
  toe,
• 5:38
  made
• 5:38
  those
• 5:38
  tough
• 5:38
  decisions.
• 5:39
  And
• 5:39
  finally,
• 5:40
  an
• 5:40
  accountability
• 5:41
  partner.
• 5:42
  Someone
• 5:42
  to
• 5:42
  encourage
• 5:43
  you
• 5:43
  and
• 5:43
  to
• 5:44
  keep
• 5:44
  you
• 5:44
  on
• 5:45
  that
• 5:45
  path
• 5:45
  of
• 5:45
  follow
• 5:46
  through.
• 5:46
  So
• 5:46
  again,
• 5:46
  tax
• 5:47
  professional,
• 5:47
  financial
• 5:48
  advisor,
• 5:49
  mentor
• 5:49
  and
• 5:50
  accountability
• 5:50
  partner.
• 5:51
  Just
• 5:51
  a
• 5:52
  small
• 5:52
  wise
• 5:52
  team.
• 5:53
  Because
• 5:53
  that
• 5:53
  small
• 5:53
  wise
• 5:54
  team
• 5:54
  is
• 5:55
  more
• 5:55
  powerful
• 5:55
  than
• 5:55
  a
• 5:56
  large
• 5:56
  scattered
• 5:56
  one.
• 5:57
  Here's
• 5:58
  another
• 5:58
  thing
• 5:58
  I'm
• 5:58
  going
• 5:58
  to
• 5:58
  encourage
• 5:58
  you
• 5:59
  to
• 5:59
  do.
• 5:59
  Maybe
• 5:59
  you've
• 5:59
  already
• 5:59
  got
• 6:00
  a
• 6:00
  team.
• 6:00
  Well,
• 6:01
  it's
• 6:01
  time
• 6:01
  to
• 6:01
  audit
• 6:02
  your
• 6:02
  current
• 6:02
  team.
• 6:03
  Not
• 6:03
  everyone
• 6:03
  who
• 6:03
  helped
• 6:04
  you
• 6:04
  last
• 6:04
  year
• 6:04
  is
• 6:04
  the
• 6:05
  best
• 6:05
  fit
• 6:05
  for
• 6:05
  next
• 6:05
  year.
• 6:06
  Let
• 6:06
  me
• 6:06
  say
• 6:07
  the
• 6:07
  best
• 6:07
  fit
• 6:07
  for
• 6:08
  the
• 6:08
  next
• 6:08
  season.
• 6:09
  And
• 6:09
  an
• 6:09
  upgrade
• 6:10
  doesn't
• 6:10
  mean
• 6:10
  more
• 6:10
  expensive.
• 6:11
  A
• 6:11
  lot
• 6:11
  of
• 6:11
  people
• 6:11
  think,
• 6:11
  well,
• 6:11
  I'm
• 6:12
  going
• 6:12
  to
• 6:12
  upgrade,
• 6:12
  Ralph,
• 6:12
  what
• 6:13
  you're
• 6:13
  saying
• 6:13
  is
• 6:13
  I
• 6:13
  got
• 6:13
  to
• 6:13
  pay
• 6:13
  more.
• 6:14
  No,
• 6:14
  that's
• 6:14
  not
• 6:14
  what
• 6:14
  I'm
• 6:15
  saying
• 6:15
  at
• 6:15
  all.
• 6:15
  It
• 6:16
  means
• 6:16
  more
• 6:16
  aligned.
• 6:18
  Ask
• 6:18
  yourself
• 6:19
  this,
• 6:19
  does
• 6:19
  this
• 6:19
  person
• 6:20
  fit
• 6:20
  the
• 6:20
  season
• 6:21
  I'm
• 6:21
  in?
• 6:22
  Maybe
• 6:22
  when
• 6:22
  you
• 6:22
  first
• 6:23
  started,
• 6:23
  you
• 6:23
  were
• 6:23
  easy
• 6:24
  to
• 6:24
  go
• 6:24
  to
• 6:24
  one
• 6:24
  of
• 6:25
  the
• 6:25
  big
• 6:25
  tax
• 6:26
  houses
• 6:26
  and
• 6:26
  somebody
• 6:27
  simple
• 6:27
  because
• 6:27
  you
• 6:27
  had
• 6:27
  a
• 6:27
  simple
• 6:28
  tax
• 6:28
  return.
• 6:29
  But
• 6:29
  now
• 6:29
  your
• 6:29
  season
• 6:29
  is
• 6:30
  different
• 6:30
  than
• 6:30
  that.
• 6:30
  Maybe
• 6:30
  you're
• 6:31
  a
• 6:31
  small
• 6:31
  business
• 6:31
  owner.
• 6:32
  Maybe
• 6:32
  you've
• 6:32
  got
• 6:32
  investments
• 6:33
  or
• 6:33
  rental
• 6:33
  properties.
• 6:34
  Does
• 6:34
  this
• 6:35
  person
• 6:35
  fit
• 6:35
  my
• 6:36
  season?
• 6:37
  Do
• 6:37
  they
• 6:37
  bring
• 6:37
  clarity?
• 6:38
  One
• 6:38
  of
• 6:38
  the
• 6:38
  things
• 6:38
  I
• 6:38
  hear
• 6:39
  a
• 6:39
  lot
• 6:39
  of
• 6:39
  my
• 6:39
  clients
• 6:40
  say
• 6:40
  is,
• 6:40
  Ralph,
• 6:40
  I
• 6:41
  came
• 6:41
  to
• 6:41
  you
• 6:41
  because
• 6:42
  you
• 6:42
  lay
• 6:42
  it
• 6:42
  out
• 6:42
  in
• 6:43
  terms
• 6:43
  that
• 6:43
  I
• 6:43
  can
• 6:43
  understand.
• 6:44
  Which
• 6:45
  leads
• 6:45
  me
• 6:45
  to
• 6:45
  this.
• 6:45
  Do
• 6:46
  they
• 6:46
  communicate
• 6:47
  well?
• 6:47
  If
• 6:48
  they
• 6:48
  can't
• 6:48
  communicate
• 6:49
  well,
• 6:49
  find
• 6:49
  somebody
• 6:50
  new.
• 6:51
  Choose
• 6:52
  somebody
• 6:52
  based
• 6:52
  on
• 6:52
  their
• 6:53
  clarity,
• 6:53
  based
• 6:53
  on
• 6:54
  their
• 6:54
  character,
• 6:54
  and
• 6:55
  based
• 6:55
  on
• 6:55
  their
• 6:55
  ability
• 6:56
  to
• 6:56
  communicate.
• 6:56
  Yes,
• 6:57
  credentials
• 6:57
  matter.
• 6:58
  You'll
• 6:58
  never
• 6:58
  hear
• 6:58
  me
• 6:58
  say
• 6:59
  credentials
• 6:59
  don't
• 6:59
  matter.
• 7:00
  But
• 7:00
  let
• 7:00
  me
• 7:00
  just
• 7:00
  tell
• 7:00
  you
• 7:00
  something
• 7:01
  right
• 7:01
  now.
• 7:01
  Character
• 7:02
  matters
• 7:03
  more.
• 7:03
  The
• 7:04
  ability
• 7:04
  to
• 7:04
  communicate
• 7:05
  matters
• 7:06
  more.
• 7:07
  But
• 7:07
  a
• 7:07
  healthy
• 7:08
  team
• 7:08
  needs
• 7:08
  clarity.
• 7:09
  You've
• 7:09
  got
• 7:09
  to
• 7:10
  ask
• 7:10
  yourself,
• 7:10
  what
• 7:11
  is
• 7:11
  each
• 7:11
  person
• 7:12
  responsible
• 7:12
  for?
• 7:13
  How
• 7:13
  often
• 7:13
  will
• 7:14
  they
• 7:14
  contact
• 7:14
  me?
• 7:15
  How
• 7:15
  often
• 7:15
  will
• 7:15
  I
• 7:15
  connect
• 7:16
  with
• 7:16
  them?
• 7:16
  What
• 7:17
  decision
• 7:17
  should
• 7:17
  they
• 7:18
  help
• 7:18
  me
• 7:18
  with?
• 7:19
  Because
• 7:20
  a
• 7:20
  strong
• 7:20
  advisor
• 7:20
  gives
• 7:21
  kind
• 7:21
  truth,
• 7:22
  not
• 7:22
  comfortable
• 7:22
  silence.
• 7:23
  That's
• 7:23
  one
• 7:23
  of
• 7:23
  the
• 7:23
  things
• 7:23
  I
• 7:24
  hear
• 7:24
  from
• 7:24
  a
• 7:24
  lot
• 7:24
  of
• 7:24
  my
• 7:25
  tax
• 7:25
  and
• 7:25
  business
• 7:26
  clients
• 7:26
  is
• 7:26
  Ralph.
• 7:27
  I
• 7:27
  never
• 7:27
  heard
• 7:27
  from
• 7:27
  my
• 7:27
  accountant,
• 7:28
  but,
• 7:28
  man,
• 7:28
  I
• 7:28
  hear
• 7:28
  from
• 7:29
  you.
• 7:30
  That's
• 7:30
  because
• 7:30
  I
• 7:30
  want
• 7:30
  to
• 7:30
  give
• 7:31
  them
• 7:31
  truth,
• 7:31
  not
• 7:32
  just
• 7:32
  silence.
• 7:34
  And
• 7:34
  finally,
• 7:35
  one
• 7:35
  big
• 7:35
  takeaway
• 7:36
  for
• 7:36
  today
• 7:36
  is
• 7:37
  review
• 7:37
  that
• 7:37
  team
• 7:38
  annually.
• 7:39
  Because
• 7:39
  as
• 7:39
  I
• 7:39
  said
• 7:39
  a
• 7:39
  few
• 7:39
  minutes
• 7:40
  ago,
• 7:40
  seasons
• 7:41
  of
• 7:41
  life
• 7:41
  change.
• 7:41
  What
• 7:42
  was
• 7:42
  important
• 7:42
  to
• 7:42
  you
• 7:43
  now
• 7:43
  may
• 7:43
  have
• 7:43
  completely
• 7:44
  changed.
• 7:45
  Your
• 7:45
  supporters
• 7:46
  got
• 7:46
  to
• 7:46
  change
• 7:47
  as
• 7:47
  well.
• 7:48
  Put
• 7:48
  a
• 7:48
  team
• 7:48
  review
• 7:49
  on
• 7:49
  your
• 7:49
  calendar
• 7:49
  right
• 7:50
  now.
• 7:50
  Look
• 7:50
  for
• 7:50
  any
• 7:51
  gaps.
• 7:51
  Maybe
• 7:51
  for
• 7:51
  you,
• 7:52
  it's
• 7:52
  tax
• 7:52
  planning.
• 7:53
  Maybe
• 7:53
  taxes
• 7:54
  are
• 7:54
  good,
• 7:54
  but
• 7:54
  you
• 7:54
  need
• 7:54
  some
• 7:54
  budgeting
• 7:55
  help.
• 7:55
  Maybe
• 7:56
  you
• 7:56
  need
• 7:56
  that
• 7:56
  investment
• 7:56
  advisor.
• 7:57
  Need
• 7:57
  some
• 7:57
  investment
• 7:58
  clarity.
• 7:58
  Or
• 7:59
  maybe
• 7:59
  for
• 7:59
  you,
• 8:00
  you
• 8:00
  just
• 8:00
  need
• 8:00
  some
• 8:01
  spiritual
• 8:01
  mentorship.
• 8:03
  Build
• 8:03
  that
• 8:04
  team
• 8:04
  now
• 8:04
  before
• 8:04
  you're
• 8:05
  in
• 8:05
  crisis.
• 8:05
  Before
• 8:05
  the
• 8:06
  storm
• 8:06
  hits,
• 8:06
  not
• 8:07
  after
• 8:07
  the
• 8:07
  storm
• 8:08
  hits.
• 8:08
  Well,
• 8:08
  let's
• 8:09
  ground
• 8:09
  this
• 8:09
  in
• 8:09
  scripture.
• 8:10
  This
• 8:10
  is
• 8:10
  all
• 8:10
  about
• 8:10
  scripture
• 8:11
  today
• 8:11
  because
• 8:11
  God
• 8:12
  often
• 8:12
  guides
• 8:12
  us
• 8:13
  through
• 8:13
  people.
• 8:14
  Look
• 8:14
  at
• 8:14
  the
• 8:14
  book
• 8:14
  of
• 8:14
  Proverbs,
• 8:15
  chapter
• 8:16
  15:22.
• 8:16
  I
• 8:17
  use
• 8:17
  this
• 8:17
  on
• 8:17
  this
• 8:17
  show
• 8:18
  all
• 8:18
  the
• 8:18
  time
• 8:18
  because
• 8:18
  it
• 8:19
  is
• 8:19
  so
• 8:19
  very
• 8:20
  vital.
• 8:21
  Plans
• 8:21
  fail
• 8:21
  for
• 8:22
  lack
• 8:22
  of
• 8:22
  counsel,
• 8:22
  but
• 8:23
  with
• 8:23
  many
• 8:23
  advisors,
• 8:24
  they
• 8:24
  succeed.
• 8:27
  In
• 8:27
  my
• 8:27
  life,
• 8:28
  I
• 8:28
  have
• 8:28
  seen
• 8:28
  God
• 8:28
  often
• 8:29
  provides
• 8:29
  wisdom
• 8:29
  through
• 8:30
  relationships,
• 8:31
  not
• 8:32
  just
• 8:32
  moments.
• 8:32
  Who
• 8:33
  are
• 8:33
  those
• 8:33
  important
• 8:34
  people
• 8:34
  to
• 8:34
  you?
• 8:34
  What
• 8:35
  are
• 8:35
  those
• 8:35
  relationships?
• 8:37
  How
• 8:37
  about
• 8:37
  we
• 8:37
  pray
• 8:37
  together?
• 8:38
  Lord,
• 8:38
  give
• 8:39
  me
• 8:39
  discernment
• 8:39
  as
• 8:40
  I
• 8:40
  choose
• 8:40
  the
• 8:40
  right
• 8:41
  people.
• 8:41
  Give
• 8:41
  me
• 8:41
  humility
• 8:42
  to
• 8:42
  be
• 8:42
  taught.
• 8:43
  Lord,
• 8:43
  give
• 8:44
  our
• 8:44
  team
• 8:44
  honesty
• 8:45
  and
• 8:45
  unity
• 8:45
  and
• 8:46
  wisdom
• 8:46
  as
• 8:47
  we
• 8:47
  make
• 8:47
  strong
• 8:48
  decisions
• 8:48
  in
• 8:49
  your
• 8:49
  will.
• 8:49
  Lord,
• 8:49
  we
• 8:49
  ask
• 8:50
  this
• 8:50
  in
• 8:50
  the
• 8:50
  confidence
• 8:51
  in
• 8:51
  Jesus
• 8:52
  name.
• 8:52
  Amen.
• 8:53
  All
• 8:54
  right,
• 8:54
  here's
• 8:54
  your
• 8:54
  action
• 8:55
  item
• 8:55
  for
• 8:55
  today.
• 8:56
  I
• 8:56
  want
• 8:56
  you
• 8:56
  to
• 8:56
  list
• 8:57
  your
• 8:57
  current
• 8:57
  financial
• 8:58
  team
• 8:58
  and
• 8:58
  then
• 8:59
  identify
• 8:59
  one
• 8:59
  gap
• 9:00
  you
• 9:00
  need
• 9:00
  to
• 9:00
  fill
• 9:00
  in
• 9:00
  2026.
• 9:01
  It's
• 9:01
  a
• 9:01
  great
• 9:01
  time
• 9:02
  to
• 9:02
  do
• 9:02
  it.
• 9:02
  And
• 9:03
  take
• 9:03
  that
• 9:03
  one
• 9:03
  step
• 9:03
  today.
• 9:04
  Book
• 9:04
  a
• 9:04
  call,
• 9:05
  ask
• 9:05
  a
• 9:05
  mentor.
• 9:06
  Interview
• 9:06
  a
• 9:06
  professional.
• 9:07
  Because
• 9:08
  one
• 9:08
  step
• 9:08
  builds
• 9:08
  a
• 9:09
  team,
• 9:09
  and
• 9:09
  that
• 9:09
  team
• 9:10
  will
• 9:10
  build
• 9:10
  your
• 9:10
  future.
• 9:12
  And
• 9:12
  I
• 9:12
  want
• 9:12
  to
• 9:12
  invite
• 9:13
  you
• 9:13
  also
• 9:13
  to
• 9:13
  come
• 9:13
  and
• 9:14
  join
• 9:14
  our
• 9:14
  group,
• 9:14
  the
• 9:15
  financially
• 9:15
  confident
• 9:15
  Christian
• 9:16
  community.
• 9:16
  Will
• 9:17
  help
• 9:17
  you
• 9:17
  identify
• 9:18
  those
• 9:18
  gaps.
• 9:18
  We
• 9:18
  offer
• 9:19
  accountability
• 9:20
  partners.
• 9:20
  We
• 9:20
  share
• 9:20
  wisdom,
• 9:21
  we
• 9:21
  pray
• 9:21
  for
• 9:21
  you
• 9:22
  and
• 9:22
  we
• 9:22
  walk
• 9:23
  with
• 9:23
  you
• 9:23
  along
• 9:23
  that
• 9:23
  journey
• 9:24
  and
• 9:24
  hey
• 9:24
  you
• 9:24
  can
• 9:24
  even
• 9:24
  ask
• 9:25
  questions
• 9:25
  of
• 9:25
  me
• 9:25
  and
• 9:26
  I
• 9:26
  will
• 9:26
  be
• 9:26
  happy
• 9:27
  to
• 9:27
  mentor
• 9:27
  you.
• 9:28
  You
• 9:28
  can
• 9:28
  get
• 9:28
  to
• 9:29
  that
• 9:29
  by
• 9:29
  going
• 9:29
  to
• 9:29
  financiallyconfidentchristian.com/join
• 9:33
  again.
• 9:33
  That's
• 9:33
  financiallyconfidentchristian.com/Join
• 9:36
  because
• 9:36
  you
• 9:37
  never
• 9:37
  meant
• 9:37
  to
• 9:37
  navigate
• 9:38
  finances
• 9:38
  alone.
• 9:39
  Come
• 9:39
  and
• 9:39
  join
• 9:39
  our
• 9:40
  community
• 9:40
  and
• 9:40
  let
• 9:40
  me
• 9:41
  help
• 9:41
  you
• 9:42
  friend.
• 9:42
  Don't
• 9:42
  walk
• 9:43
  alone
• 9:43
  again
• 9:43
  in
• 9:43
  this
• 9:44
  new
• 9:44
  year.
• 9:44
  God
• 9:45
  uses
• 9:45
  people
• 9:45
  to
• 9:46
  sharpen
• 9:46
  us.
• 9:46
  He
• 9:46
  uses
• 9:47
  them
• 9:47
  to
• 9:47
  guide
• 9:47
  us
• 9:48
  and
• 9:48
  he
• 9:48
  uses
• 9:48
  them
• 9:48
  to
• 9:48
  strengthen
• 9:49
  us.
• 9:50
  And
• 9:50
  what
• 9:50
  I
• 9:50
  have
• 9:51
  learned
• 9:51
  in
• 9:51
  my
• 9:51
  own
• 9:51
  life
• 9:52
  is
• 9:52
  the
• 9:52
  right
• 9:52
  voices
• 9:53
  bring
• 9:53
  peace.
• 9:53
  They
• 9:54
  bring
• 9:54
  clarity
• 9:54
  but
• 9:55
  but
• 9:55
  most
• 9:55
  of
• 9:55
  all
• 9:55
  they
• 9:56
  bring
• 9:56
  confidence
• 9:56
  long
• 9:57
  before
• 9:57
  the
• 9:57
  storms
• 9:58
  come
• 9:58
  and
• 9:58
  I've
• 9:59
  said
• 9:59
  on
• 9:59
  the
• 9:59
  show
• 9:59
  many
• 9:59
  times
• 10:00
  the
• 10:00
  storms
• 10:01
  will
• 10:01
  come.
• 10:01
  So
• 10:02
  go
• 10:02
  out
• 10:02
  there
• 10:02
  today
• 10:02
  and
• 10:03
  be
• 10:03
  a
• 10:03
  financially
• 10:04
  confident
• 10:04
  Christian.
• 10:05
  You
• 10:05
  can
• 10:05
  do
• 10:05
  this.
• 10:06
  Stay
• 10:06
  financially
• 10:07
  savvy.
• 10:07
  God
• 10:07
  bless
• 10:08
  you
• 10:08
  and
• 10:08
  you
• 10:08
  have
• 10:09
  a
• 10:09
  great
• 10:09
  day
• 10:09
  today.