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Still Carrying Last Year’s Weight? It's Time to Close the Book on 2025! · Becoming Financially Confident

• 0:37
  Before
• 0:37
  we
• 0:38
  step
• 0:38
  into
• 0:38
  a
• 0:38
  brand
• 0:38
  new
• 0:38
  year,
• 0:39
  let's
• 0:39
  slow
• 0:39
  down
• 0:39
  for
• 0:40
  just
• 0:40
  a
• 0:40
  moment
• 0:40
  today.
• 0:41
  Because,
• 0:41
  friend,
• 0:42
  you
• 0:42
  can't
• 0:42
  build
• 0:42
  a
• 0:42
  peaceful
• 0:43
  2026
• 0:44
  on
• 0:44
  top
• 0:44
  of
• 0:45
  the
• 0:45
  weight.
• 0:45
  You
• 0:45
  never
• 0:45
  laid
• 0:46
  down
• 0:46
  from
• 0:46
  2025.
• 0:49
  And
• 0:49
  I
• 0:49
  know
• 0:49
  you
• 0:49
  feel
• 0:50
  that
• 0:50
  most
• 0:50
  of
• 0:50
  us
• 0:51
  do.
• 0:51
  We've
• 0:51
  rushed
• 0:51
  forward
• 0:52
  while
• 0:52
  our
• 0:52
  heart
• 0:52
  is
• 0:52
  still
• 0:53
  back
• 0:53
  there
• 0:53
  carrying
• 0:54
  some
• 0:54
  heavy
• 0:54
  weight.
• 0:55
  So
• 0:56
  before
• 0:56
  you
• 0:56
  step
• 0:56
  into
• 0:56
  what's
• 0:57
  next,
• 0:57
  let's
• 0:58
  gently
• 0:58
  close
• 0:58
  that
• 0:58
  chapter
• 0:59
  behind
• 0:59
  you.
• 1:00
  Not
• 1:00
  with
• 1:00
  shame,
• 1:01
  not
• 1:01
  with
• 1:01
  pressure,
• 1:02
  but
• 1:02
  with
• 1:02
  grace.
• 1:04
  A
• 1:04
  new
• 1:04
  year
• 1:04
  doesn't
• 1:05
  really
• 1:05
  start
• 1:05
  when
• 1:05
  the
• 1:05
  calendar
• 1:06
  flips.
• 1:06
  It
• 1:06
  starts
• 1:07
  when
• 1:07
  your
• 1:07
  heart
• 1:07
  finally
• 1:08
  releases
• 1:08
  what
• 1:09
  it's
• 1:09
  been
• 1:09
  holding.
• 1:10
  Let's
• 1:10
  talk
• 1:10
  about
• 1:10
  that
• 1:10
  on
• 1:11
  today's
• 1:11
  show.
• 1:32
  Hey,
• 1:32
  friend.
• 1:32
  Ralph
• 1:33
  Estepp
• 1:33
  Jr.
• 1:34
  Here.
• 1:34
  Welcome
• 1:35
  to
• 1:35
  the
• 1:35
  Financially
• 1:35
  Confident
• 1:36
  Christian,
• 1:36
  where
• 1:37
  we
• 1:37
  learn
• 1:37
  how
• 1:37
  to
• 1:37
  walk
• 1:38
  through
• 1:38
  life
• 1:38
  and
• 1:38
  walk
• 1:39
  through
• 1:39
  money
• 1:39
  with
• 1:39
  wisdom,
• 1:40
  with
• 1:40
  peace,
• 1:41
  and
• 1:41
  with
• 1:41
  a
• 1:42
  heart
• 1:42
  anchored
• 1:42
  in
• 1:42
  God's
• 1:43
  truth.
• 1:44
  My
• 1:44
  mission
• 1:44
  is
• 1:44
  simple,
• 1:45
  to
• 1:45
  help
• 1:46
  you
• 1:46
  break
• 1:46
  that
• 1:46
  cycle
• 1:47
  of
• 1:47
  financial
• 1:47
  shame,
• 1:48
  build
• 1:48
  steady
• 1:49
  habits
• 1:49
  rooted
• 1:49
  in
• 1:49
  faith,
• 1:50
  and
• 1:50
  become
• 1:50
  the
• 1:50
  kind
• 1:51
  of
• 1:51
  believer
• 1:51
  who
• 1:51
  handles
• 1:52
  money
• 1:52
  with
• 1:52
  clarity,
• 1:53
  with
• 1:53
  confidence,
• 1:54
  and
• 1:54
  with
• 1:54
  spiritual
• 1:55
  purpose.
• 1:56
  If
• 1:56
  this
• 1:56
  is
• 1:56
  your
• 1:56
  first
• 1:57
  time,
• 1:57
  welcome
• 1:57
  to
• 1:58
  us.
• 1:58
  Welcome
• 1:58
  home.
• 1:59
  And
• 1:59
  if
• 1:59
  you're
• 1:59
  returning,
• 2:00
  I'm
• 2:00
  grateful
• 2:00
  you
• 2:01
  came
• 2:01
  back.
• 2:01
  Yesterday
• 2:02
  we
• 2:02
  talked
• 2:02
  about
• 2:03
  starting
• 2:03
  fresh,
• 2:04
  but
• 2:04
  today
• 2:04
  we're
• 2:05
  going
• 2:05
  to
• 2:05
  do
• 2:05
  something
• 2:05
  just
• 2:06
  as
• 2:06
  important.
• 2:06
  We're
• 2:07
  looking
• 2:07
  back.
• 2:07
  I
• 2:08
  want
• 2:08
  to
• 2:08
  look
• 2:08
  back
• 2:08
  with
• 2:08
  honesty,
• 2:09
  with
• 2:10
  gratitude,
• 2:10
  and
• 2:11
  with
• 2:11
  compassion
• 2:11
  for
• 2:12
  ourselves.
• 2:13
  Because
• 2:13
  reflection
• 2:14
  isn't
• 2:14
  punishment.
• 2:15
  Reflection
• 2:15
  is
• 2:16
  how
• 2:16
  we
• 2:16
  actually
• 2:17
  heal.
• 2:17
  A
• 2:18
  listener
• 2:18
  wrote
• 2:18
  me
• 2:18
  and
• 2:19
  said,
• 2:19
  ralph,
• 2:19
  I
• 2:20
  feel
• 2:20
  like
• 2:20
  I'm
• 2:20
  dragging
• 2:21
  last
• 2:21
  year's
• 2:21
  weight
• 2:22
  into
• 2:22
  this
• 2:22
  new
• 2:22
  year.
• 2:23
  How
• 2:23
  do
• 2:23
  I
• 2:23
  actually
• 2:24
  close
• 2:24
  the
• 2:24
  books
• 2:24
  on
• 2:25
  2025
• 2:26
  so
• 2:26
  I
• 2:26
  can
• 2:26
  step
• 2:26
  into
• 2:27
  2026
• 2:28
  with
• 2:28
  peace?
• 2:29
  And
• 2:29
  I'll
• 2:30
  be
• 2:30
  honest
• 2:30
  with
• 2:30
  you,
• 2:31
  that
• 2:31
  question
• 2:32
  touched
• 2:32
  me
• 2:33
  because
• 2:33
  I
• 2:33
  know
• 2:34
  that
• 2:34
  feeling.
• 2:35
  I've
• 2:35
  lived
• 2:35
  it.
• 2:36
  I
• 2:36
  bet
• 2:36
  you've
• 2:36
  lived
• 2:37
  it,
• 2:37
  too.
• 2:38
  Most
• 2:38
  people
• 2:38
  don't
• 2:38
  feel
• 2:39
  stuck
• 2:39
  because
• 2:39
  they
• 2:39
  lack
• 2:40
  motivation.
• 2:40
  They
• 2:41
  feel
• 2:41
  stuck
• 2:41
  because
• 2:41
  they're
• 2:42
  carrying
• 2:42
  something
• 2:42
  that
• 2:43
  never
• 2:43
  got
• 2:43
  resolved.
• 2:45
  You
• 2:45
  can't
• 2:46
  really
• 2:46
  run
• 2:46
  freely
• 2:47
  when
• 2:47
  something
• 2:48
  is
• 2:48
  still
• 2:48
  wrapped
• 2:48
  around
• 2:49
  your
• 2:49
  heart.
• 2:50
  And
• 2:51
  here's
• 2:51
  the
• 2:51
  tension.
• 2:52
  You're
• 2:52
  trying
• 2:52
  to
• 2:52
  move
• 2:53
  forward,
• 2:54
  but
• 2:54
  your
• 2:54
  mind
• 2:54
  keeps
• 2:55
  drifting
• 2:55
  backward.
• 2:56
  Those
• 2:57
  missed
• 2:57
  goals,
• 2:58
  those
• 2:59
  financial
• 2:59
  mistakes,
• 3:01
  those
• 3:01
  conversations
• 3:02
  you
• 3:02
  wish
• 3:02
  went
• 3:02
  differently,
• 3:04
  the
• 3:04
  opportunities
• 3:05
  that
• 3:05
  passed
• 3:05
  on
• 3:06
  and
• 3:06
  the
• 3:07
  unexpected
• 3:07
  hits
• 3:08
  that
• 3:08
  took
• 3:08
  the
• 3:08
  wind
• 3:08
  out
• 3:09
  of
• 3:09
  you.
• 3:10
  And
• 3:10
  instead
• 3:10
  of
• 3:11
  letting
• 3:11
  those
• 3:11
  moments
• 3:11
  become
• 3:12
  lessons,
• 3:12
  you've
• 3:13
  let
• 3:13
  them
• 3:13
  become
• 3:13
  weight.
• 3:15
  Friend,
• 3:15
  I
• 3:15
  want
• 3:15
  you
• 3:15
  to
• 3:16
  hear
• 3:16
  this.
• 3:17
  Reflection
• 3:17
  helps
• 3:18
  you
• 3:18
  heal.
• 3:18
  Dwelling
• 3:19
  is
• 3:19
  going
• 3:19
  to
• 3:19
  keep
• 3:19
  you
• 3:20
  stuck.
• 3:20
  And
• 3:20
  God
• 3:20
  never
• 3:21
  called
• 3:21
  you
• 3:21
  to
• 3:21
  drag
• 3:21
  yesterday's
• 3:22
  pain
• 3:22
  into
• 3:23
  tomorrow's
• 3:23
  promise.
• 3:25
  Studies
• 3:25
  show
• 3:26
  that
• 3:26
  people
• 3:26
  who
• 3:27
  take
• 3:27
  time
• 3:27
  to
• 3:27
  review
• 3:28
  a
• 3:28
  year
• 3:28
  really
• 3:28
  look
• 3:29
  at
• 3:29
  it
• 3:29
  with
• 3:29
  intention.
• 3:30
  Step
• 3:30
  into
• 3:31
  the
• 3:31
  Next
• 3:31
  year
• 3:31
  with
• 3:31
  less
• 3:32
  stress,
• 3:33
  more
• 3:33
  focus,
• 3:34
  more
• 3:34
  confidence,
• 3:35
  better
• 3:35
  money
• 3:35
  habits,
• 3:36
  and
• 3:36
  greater
• 3:37
  emotional
• 3:37
  peace.
• 3:38
  You
• 3:38
  might
• 3:38
  be
• 3:38
  saying,
• 3:38
  why,
• 3:39
  Ralph?
• 3:40
  Because
• 3:40
  your
• 3:40
  brain
• 3:41
  needs
• 3:41
  closure,
• 3:42
  your
• 3:42
  soul
• 3:43
  needs
• 3:43
  release,
• 3:44
  and
• 3:44
  your
• 3:44
  finances
• 3:45
  need
• 3:45
  clarity.
• 3:46
  And
• 3:46
  friend,
• 3:46
  you
• 3:46
  can't
• 3:47
  carry
• 3:47
  everything
• 3:47
  and
• 3:48
  still
• 3:48
  move
• 3:48
  freely.
• 3:49
  Something
• 3:49
  has
• 3:50
  to
• 3:50
  come
• 3:50
  off
• 3:50
  your
• 3:50
  shoulders.
• 3:52
  For
• 3:52
  over
• 3:52
  three
• 3:52
  decades,
• 3:53
  I've
• 3:53
  walked
• 3:53
  families
• 3:54
  through
• 3:54
  this
• 3:54
  very
• 3:55
  moment,
• 3:55
  this
• 3:56
  year
• 3:56
  end
• 3:56
  reflection
• 3:57
  that
• 3:57
  we're
• 3:57
  talking
• 3:57
  about
• 3:58
  today.
• 3:59
  And
• 3:59
  the
• 3:59
  pattern
• 3:59
  is
• 4:00
  almost
• 4:00
  always
• 4:00
  the
• 4:01
  same.
• 4:02
  People
• 4:02
  who
• 4:02
  slow
• 4:02
  down
• 4:03
  long
• 4:03
  enough
• 4:03
  to
• 4:03
  close
• 4:04
  the
• 4:04
  old
• 4:04
  chapter
• 4:05
  are
• 4:05
  the
• 4:05
  people
• 4:05
  who
• 4:05
  step
• 4:06
  into
• 4:06
  the
• 4:06
  new
• 4:06
  year
• 4:07
  lighter.
• 4:07
  They
• 4:07
  step
• 4:08
  into
• 4:08
  it
• 4:08
  freer
• 4:09
  and.
• 4:09
  And
• 4:09
  more
• 4:10
  spiritually
• 4:10
  grounded.
• 4:11
  God
• 4:12
  speaks
• 4:12
  in
• 4:12
  that
• 4:13
  reflection,
• 4:14
  he
• 4:14
  heals
• 4:14
  in
• 4:15
  that
• 4:15
  reflection,
• 4:16
  and
• 4:16
  he
• 4:16
  restores
• 4:17
  in
• 4:17
  that
• 4:17
  reflection.
• 4:19
  But
• 4:19
  it's
• 4:19
  only
• 4:20
  going
• 4:20
  to
• 4:20
  work
• 4:20
  if
• 4:20
  we
• 4:20
  give
• 4:20
  him
• 4:20
  room.
• 4:21
  A
• 4:22
  woman
• 4:22
  in
• 4:22
  our
• 4:22
  community
• 4:23
  told
• 4:23
  me
• 4:23
  recently,
• 4:23
  ralph,
• 4:24
  I
• 4:24
  kept
• 4:25
  repeating
• 4:26
  the
• 4:26
  same
• 4:26
  patterns
• 4:27
  because
• 4:27
  I
• 4:27
  never
• 4:27
  paused
• 4:28
  long
• 4:28
  enough
• 4:28
  to
• 4:28
  understand
• 4:29
  why.
• 4:31
  So
• 4:31
  what
• 4:31
  did
• 4:31
  she
• 4:31
  do?
• 4:31
  She
• 4:32
  blocked
• 4:32
  one
• 4:32
  hour,
• 4:33
  just
• 4:33
  one.
• 4:33
  She
• 4:33
  wrote
• 4:34
  down
• 4:34
  her
• 4:34
  wins,
• 4:35
  she
• 4:35
  wrote
• 4:36
  down
• 4:36
  her
• 4:36
  challenges,
• 4:37
  her
• 4:38
  regrets,
• 4:38
  she
• 4:38
  wrote
• 4:39
  down
• 4:39
  her
• 4:39
  lessons,
• 4:40
  and
• 4:40
  she
• 4:41
  wrote
• 4:41
  down
• 4:41
  her
• 4:41
  blessings.
• 4:41
  And
• 4:42
  maybe
• 4:42
  she
• 4:42
  should
• 4:42
  have
• 4:42
  started
• 4:42
  with
• 4:43
  those.
• 4:44
  But
• 4:44
  she
• 4:44
  prayed
• 4:45
  over
• 4:45
  them.
• 4:46
  She
• 4:46
  released
• 4:47
  what
• 4:47
  was
• 4:47
  heavy,
• 4:48
  she
• 4:49
  thanked
• 4:49
  God
• 4:49
  for
• 4:50
  what
• 4:50
  was
• 4:50
  good.
• 4:51
  And
• 4:51
  she
• 4:51
  told
• 4:51
  me
• 4:51
  later,
• 4:51
  she
• 4:52
  said,
• 4:52
  ralph,
• 4:52
  it
• 4:52
  was
• 4:52
  like
• 4:53
  a
• 4:53
  weight
• 4:53
  finally
• 4:54
  came
• 4:54
  off
• 4:54
  of
• 4:54
  me.
• 4:56
  Friend,
• 4:56
  that
• 4:56
  wasn't
• 4:56
  imagination.
• 4:58
  That
• 4:58
  was
• 4:58
  release.
• 5:00
  And
• 5:00
  that
• 5:00
  release
• 5:01
  creates
• 5:01
  room
• 5:01
  for
• 5:01
  renewal.
• 5:03
  So
• 5:03
  how
• 5:03
  do
• 5:03
  you
• 5:04
  do
• 5:04
  that?
• 5:04
  How
• 5:04
  do
• 5:05
  you
• 5:05
  actually
• 5:05
  close
• 5:05
  the
• 5:06
  book
• 5:06
  on
• 5:06
  2025
• 5:07
  in
• 5:07
  a
• 5:07
  way
• 5:08
  that
• 5:08
  brings
• 5:08
  peace,
• 5:08
  not
• 5:09
  pressure?
• 5:09
  Let
• 5:09
  me
• 5:10
  walk
• 5:10
  you
• 5:10
  through
• 5:10
  it.
• 5:11
  First
• 5:11
  thing,
• 5:13
  celebrate
• 5:13
  what
• 5:13
  God
• 5:14
  carried
• 5:14
  you
• 5:14
  through.
• 5:16
  Start
• 5:16
  by
• 5:16
  looking
• 5:17
  for
• 5:17
  the
• 5:17
  good,
• 5:17
  not
• 5:18
  the
• 5:18
  perfect,
• 5:19
  the
• 5:19
  good.
• 5:20
  Think
• 5:20
  about
• 5:20
  the
• 5:20
  places
• 5:21
  where
• 5:21
  God
• 5:21
  showed
• 5:21
  up
• 5:22
  quietly
• 5:22
  behind
• 5:22
  the
• 5:23
  scenes
• 5:23
  in
• 5:23
  ways
• 5:24
  you
• 5:24
  didn't
• 5:24
  even
• 5:24
  recognize
• 5:25
  at
• 5:25
  the
• 5:25
  time
• 5:26
  he
• 5:27
  was
• 5:27
  that
• 5:27
  week.
• 5:27
  You
• 5:27
  weren't
• 5:28
  sure
• 5:28
  how
• 5:28
  that
• 5:28
  bill
• 5:28
  would
• 5:29
  get
• 5:29
  paid.
• 5:29
  And
• 5:30
  then
• 5:30
  a
• 5:30
  refund,
• 5:30
  a
• 5:30
  side
• 5:31
  job,
• 5:31
  or
• 5:31
  some
• 5:31
  unexpected
• 5:32
  favor
• 5:33
  appeared.
• 5:34
  Or
• 5:34
  maybe
• 5:35
  the
• 5:35
  morning
• 5:35
  you
• 5:35
  woke
• 5:35
  up
• 5:36
  more
• 5:36
  exhausted
• 5:36
  than
• 5:36
  hopeful
• 5:37
  and
• 5:37
  God
• 5:38
  still
• 5:38
  gave
• 5:38
  you
• 5:38
  enough
• 5:39
  strength
• 5:39
  to
• 5:39
  take
• 5:39
  the
• 5:39
  next
• 5:40
  step.
• 5:42
  Or
• 5:42
  maybe
• 5:42
  was
• 5:42
  that
• 5:42
  appointment
• 5:43
  you
• 5:43
  were
• 5:43
  nervous
• 5:43
  about
• 5:44
  that
• 5:44
  somehow
• 5:44
  went
• 5:44
  smoother
• 5:45
  than
• 5:45
  you
• 5:45
  expected?
• 5:48
  Or
• 5:48
  maybe
• 5:48
  for
• 5:48
  you
• 5:48
  is
• 5:49
  that
• 5:49
  month
• 5:49
  you
• 5:49
  thought
• 5:49
  you'd
• 5:50
  fall
• 5:50
  behind,
• 5:50
  but
• 5:50
  you
• 5:51
  didn't.
• 5:52
  These
• 5:53
  moments
• 5:53
  don't
• 5:53
  always
• 5:53
  feel
• 5:54
  miraculous
• 5:55
  when
• 5:55
  they're
• 5:55
  happening.
• 5:57
  Sometimes
• 5:57
  they
• 5:57
  look
• 5:57
  ordinary,
• 5:59
  but
• 5:59
  they
• 5:59
  were
• 5:59
  God
• 6:00
  carrying
• 6:00
  you.
• 6:02
  Gratitude
• 6:02
  doesn't
• 6:02
  erase
• 6:03
  the
• 6:03
  hard
• 6:03
  things.
• 6:03
  I
• 6:04
  wish
• 6:04
  it
• 6:04
  could,
• 6:05
  but
• 6:05
  it
• 6:05
  lets
• 6:05
  your
• 6:06
  heart
• 6:06
  see
• 6:06
  clearly
• 6:07
  and
• 6:07
  clarity
• 6:08
  brings
• 6:08
  peace.
• 6:09
  Second
• 6:09
  thing
• 6:09
  I'm
• 6:10
  going
• 6:10
  to
• 6:10
  encourage
• 6:10
  you
• 6:10
  to
• 6:10
  do,
• 6:11
  identify
• 6:11
  the
• 6:12
  lessons,
• 6:12
  not
• 6:13
  the
• 6:13
  labels.
• 6:14
  Your
• 6:15
  mistakes
• 6:15
  are
• 6:15
  not
• 6:15
  who
• 6:16
  you
• 6:16
  are.
• 6:16
  I
• 6:16
  want
• 6:16
  you
• 6:17
  to
• 6:17
  hear
• 6:17
  that.
• 6:17
  They
• 6:18
  are
• 6:18
  where
• 6:18
  you're
• 6:19
  Learning.
• 6:20
  We
• 6:20
  all
• 6:20
  have
• 6:20
  those
• 6:20
  months
• 6:21
  that
• 6:21
  we
• 6:21
  wish
• 6:21
  you
• 6:21
  could
• 6:21
  edit,
• 6:22
  that
• 6:22
  we
• 6:22
  could
• 6:22
  rewind
• 6:22
  or
• 6:22
  just
• 6:23
  completely
• 6:23
  redo.
• 6:25
  Maybe
• 6:25
  you
• 6:25
  overspent
• 6:26
  during
• 6:26
  a
• 6:26
  stressful
• 6:27
  week.
• 6:28
  Maybe
• 6:28
  you
• 6:28
  ignored
• 6:29
  a
• 6:29
  growing
• 6:29
  problem
• 6:29
  because
• 6:30
  you
• 6:30
  felt
• 6:30
  overwhelmed.
• 6:31
  Or
• 6:31
  maybe
• 6:31
  you
• 6:32
  made
• 6:32
  a
• 6:32
  decision
• 6:32
  too
• 6:33
  quickly
• 6:33
  or
• 6:33
  avoided
• 6:34
  one
• 6:34
  for
• 6:34
  too
• 6:35
  long.
• 6:36
  Those
• 6:37
  moments
• 6:37
  don't
• 6:37
  need
• 6:38
  to
• 6:38
  define
• 6:38
  you,
• 6:39
  but
• 6:39
  they
• 6:40
  do
• 6:40
  need
• 6:40
  to
• 6:40
  teach
• 6:40
  you.
• 6:41
  God
• 6:41
  isn't
• 6:41
  standing
• 6:42
  over
• 6:42
  you
• 6:42
  with
• 6:42
  a
• 6:42
  marker,
• 6:42
  writing
• 6:43
  failure,
• 6:44
  undisciplined,
• 6:44
  bad.
• 6:45
  With
• 6:45
  money
• 6:45
  on
• 6:45
  your
• 6:46
  soul.
• 6:46
  No,
• 6:46
  he's
• 6:46
  not
• 6:47
  doing
• 6:47
  that.
• 6:47
  He's
• 6:48
  growing
• 6:48
  you
• 6:48
  through
• 6:49
  those
• 6:49
  places.
• 6:51
  Ask
• 6:51
  yourself
• 6:52
  gently,
• 6:52
  what
• 6:53
  was
• 6:53
  the
• 6:53
  moment
• 6:54
  trying
• 6:54
  to
• 6:54
  teach
• 6:54
  me?
• 6:55
  Not
• 6:55
  what
• 6:56
  does
• 6:56
  this
• 6:56
  say
• 6:56
  about
• 6:57
  me?
• 6:57
  So
• 6:57
  many
• 6:57
  times
• 6:57
  we
• 6:58
  do
• 6:58
  that.
• 6:59
  But
• 7:00
  ask
• 7:00
  yourself,
• 7:01
  what
• 7:01
  was
• 7:01
  the
• 7:01
  moment
• 7:02
  trying
• 7:02
  to
• 7:02
  teach
• 7:02
  me?
• 7:04
  Those
• 7:04
  lessons
• 7:04
  will
• 7:05
  shape
• 7:05
  you.
• 7:05
  Labels
• 7:06
  are
• 7:06
  going
• 7:06
  to
• 7:06
  shame
• 7:06
  you.
• 7:06
  Don't
• 7:07
  put
• 7:07
  lessons,
• 7:07
  don't
• 7:07
  put
• 7:08
  labels
• 7:08
  on
• 7:08
  it.
• 7:08
  The
• 7:08
  lesson
• 7:10
  and
• 7:11
  it's
• 7:11
  time
• 7:11
  to
• 7:11
  release
• 7:11
  the
• 7:12
  regrets
• 7:12
  you
• 7:12
  were
• 7:12
  never
• 7:13
  meant
• 7:13
  to
• 7:13
  carry.
• 7:14
  Regret
• 7:15
  is
• 7:15
  heavy.
• 7:15
  Regret.
• 7:16
  Regret
• 7:16
  takes
• 7:16
  an
• 7:16
  emotional
• 7:17
  space
• 7:17
  meant
• 7:18
  for
• 7:18
  God's
• 7:18
  peace.
• 7:20
  Truth
• 7:20
  is,
• 7:20
  some
• 7:20
  of
• 7:20
  us
• 7:21
  have
• 7:21
  been
• 7:21
  carrying
• 7:21
  regrets
• 7:22
  like
• 7:22
  that.
• 7:23
  They
• 7:24
  become
• 7:24
  part
• 7:24
  of
• 7:24
  our
• 7:24
  identity.
• 7:26
  Here's
• 7:26
  some
• 7:26
  great
• 7:27
  examples.
• 7:27
  The
• 7:27
  credit
• 7:27
  card
• 7:28
  you
• 7:28
  maxed
• 7:28
  out
• 7:28
  years
• 7:28
  ago
• 7:29
  that
• 7:29
  still
• 7:29
  makes
• 7:29
  your
• 7:29
  stomach
• 7:30
  flip.
• 7:30
  You
• 7:30
  can
• 7:30
  still
• 7:31
  remember
• 7:31
  that
• 7:31
  like
• 7:31
  it
• 7:31
  was
• 7:31
  yesterday.
• 7:33
  Maybe
• 7:33
  it
• 7:33
  was
• 7:34
  that
• 7:34
  opportunity
• 7:34
  you
• 7:34
  walked
• 7:35
  past
• 7:35
  because
• 7:35
  fear
• 7:36
  felt
• 7:36
  bigger
• 7:36
  than
• 7:36
  faith.
• 7:38
  It
• 7:38
  was
• 7:38
  a
• 7:39
  job
• 7:39
  you
• 7:39
  stayed
• 7:39
  in
• 7:39
  too
• 7:40
  long
• 7:40
  or
• 7:40
  left
• 7:40
  too
• 7:41
  soon.
• 7:42
  Or
• 7:42
  that
• 7:42
  habit
• 7:43
  you
• 7:43
  broke
• 7:43
  and
• 7:43
  then
• 7:44
  rebuild
• 7:44
  again
• 7:44
  when
• 7:45
  life
• 7:45
  got
• 7:45
  hard.
• 7:47
  These
• 7:47
  regrets
• 7:48
  cling
• 7:48
  to
• 7:48
  your
• 7:48
  heart
• 7:48
  and
• 7:48
  they
• 7:49
  whisper
• 7:49
  lies.
• 7:50
  You
• 7:51
  missed
• 7:51
  your
• 7:51
  chance.
• 7:53
  You
• 7:53
  messed
• 7:53
  it
• 7:53
  up
• 7:54
  forever.
• 7:54
  You're
• 7:55
  never
• 7:55
  going
• 7:55
  to
• 7:55
  get
• 7:55
  it
• 7:56
  right.
• 7:57
  But
• 7:58
  friend,
• 7:58
  hear
• 7:58
  me
• 7:58
  on
• 7:58
  this.
• 7:58
  You
• 7:59
  can't
• 7:59
  carry
• 7:59
  regret
• 8:00
  and
• 8:00
  freedom
• 8:00
  at
• 8:00
  the
• 8:00
  same
• 8:00
  time.
• 8:01
  God
• 8:01
  can
• 8:02
  hold
• 8:02
  what
• 8:02
  you
• 8:02
  can't.
• 8:03
  He
• 8:03
  can
• 8:03
  redeem
• 8:04
  what
• 8:04
  you
• 8:04
  regret.
• 8:05
  Let
• 8:05
  him.
• 8:07
  And
• 8:07
  finally
• 8:08
  choose
• 8:08
  what
• 8:08
  comes
• 8:09
  into
• 8:10
  your
• 8:10
  2026.
• 8:12
  Not
• 8:12
  everything
• 8:13
  from
• 8:13
  last
• 8:13
  year
• 8:13
  gets
• 8:14
  to
• 8:14
  travel
• 8:14
  with
• 8:14
  you.
• 8:15
  Some
• 8:16
  things,
• 8:16
  yes,
• 8:16
  deserve
• 8:17
  to
• 8:17
  come
• 8:17
  forward.
• 8:18
  Your
• 8:18
  growth,
• 8:19
  your
• 8:19
  wisdom,
• 8:19
  your
• 8:20
  healing.
• 8:20
  The
• 8:20
  habits
• 8:21
  you
• 8:21
  fought
• 8:21
  hard
• 8:21
  to
• 8:22
  build.
• 8:22
  But
• 8:22
  some
• 8:22
  things
• 8:23
  need
• 8:23
  to
• 8:23
  stay
• 8:24
  behind.
• 8:25
  Things
• 8:25
  like
• 8:25
  shame
• 8:26
  and
• 8:26
  regret.
• 8:27
  Patterns
• 8:27
  that
• 8:27
  drain
• 8:28
  your
• 8:28
  peace,
• 8:29
  expectations
• 8:29
  God
• 8:30
  never
• 8:30
  asked
• 8:30
  you
• 8:31
  to
• 8:31
  carry.
• 8:32
  Imagine
• 8:32
  packing
• 8:33
  a
• 8:33
  suitcase
• 8:33
  for
• 8:33
  a
• 8:33
  long
• 8:34
  trip.
• 8:34
  You
• 8:34
  don't
• 8:35
  load
• 8:35
  it
• 8:35
  with
• 8:35
  broken
• 8:36
  things,
• 8:36
  do
• 8:36
  you?
• 8:36
  You
• 8:36
  don't
• 8:37
  load
• 8:37
  it
• 8:37
  with
• 8:37
  heavy
• 8:37
  things
• 8:37
  or
• 8:38
  things
• 8:38
  you
• 8:38
  don't
• 8:38
  need
• 8:38
  any
• 8:39
  longer.
• 8:39
  You
• 8:40
  choose
• 8:40
  carefully
• 8:41
  what's
• 8:41
  worthy
• 8:41
  of
• 8:42
  the
• 8:42
  journey
• 8:42
  ahead.
• 8:44
  Ask
• 8:44
  God
• 8:44
  this,
• 8:45
  Lord,
• 8:45
  what
• 8:45
  do
• 8:46
  you
• 8:46
  want
• 8:46
  me
• 8:46
  to
• 8:46
  leave
• 8:46
  behind?
• 8:48
  And
• 8:48
  what
• 8:48
  do
• 8:48
  you
• 8:48
  want
• 8:48
  me
• 8:49
  to
• 8:49
  carry
• 8:49
  forward?
• 8:50
  That
• 8:51
  one
• 8:51
  question
• 8:52
  can
• 8:52
  change
• 8:52
  your
• 8:53
  entire
• 8:53
  year.
• 8:54
  Let's
• 8:55
  get
• 8:55
  to
• 8:55
  our
• 8:55
  Bible
• 8:55
  verse
• 8:55
  today
• 8:56
  comes
• 8:56
  to
• 8:56
  us
• 8:56
  From
• 8:56
  Isaiah,
• 8:57
  chapter
• 8:58
  43,
• 8:58
  verses
• 8:59
  18
• 8:59
  and
• 9:00
  19.
• 9:01
  Forget
• 9:02
  the
• 9:02
  former
• 9:02
  things.
• 9:04
  Do
• 9:04
  not
• 9:04
  dwell
• 9:04
  on
• 9:05
  the
• 9:05
  past.
• 9:05
  See,
• 9:05
  I
• 9:05
  am
• 9:06
  doing
• 9:06
  a
• 9:06
  new
• 9:06
  thing.
• 9:08
  Friend,
• 9:08
  listen.
• 9:09
  God
• 9:09
  is
• 9:10
  not
• 9:10
  asking
• 9:10
  you
• 9:10
  to
• 9:10
  fix
• 9:11
  your
• 9:11
  past.
• 9:12
  He's
• 9:12
  inviting
• 9:12
  you
• 9:13
  to
• 9:13
  release
• 9:13
  it
• 9:13
  so
• 9:14
  he
• 9:14
  can
• 9:14
  lead
• 9:14
  you
• 9:14
  into
• 9:15
  something
• 9:15
  new.
• 9:17
  Let's
• 9:17
  pray
• 9:17
  together.
• 9:19
  Lord,
• 9:19
  thank
• 9:19
  you
• 9:20
  for
• 9:20
  your
• 9:20
  grace
• 9:20
  over
• 9:21
  this
• 9:21
  past
• 9:21
  year.
• 9:22
  Help
• 9:23
  me
• 9:23
  release
• 9:24
  that
• 9:24
  has
• 9:24
  been
• 9:25
  heavy
• 9:25
  in
• 9:25
  my
• 9:25
  life.
• 9:26
  Help
• 9:26
  me
• 9:26
  to
• 9:27
  learn
• 9:27
  what
• 9:27
  needs
• 9:27
  to
• 9:27
  be
• 9:27
  learned.
• 9:28
  Help
• 9:28
  me
• 9:28
  to
• 9:28
  carry
• 9:29
  forward
• 9:29
  what
• 9:29
  is
• 9:29
  good
• 9:30
  and
• 9:30
  true.
• 9:31
  Give
• 9:31
  me
• 9:32
  peace,
• 9:32
  give
• 9:33
  me
• 9:33
  clarity
• 9:33
  and
• 9:34
  give
• 9:34
  me
• 9:34
  confidence
• 9:35
  as
• 9:35
  I
• 9:35
  step
• 9:35
  into
• 9:36
  this
• 9:36
  new
• 9:36
  season.
• 9:37
  And
• 9:37
  I
• 9:37
  ask
• 9:37
  this
• 9:38
  in
• 9:38
  confidence
• 9:38
  in
• 9:39
  Jesus
• 9:39
  name,
• 9:40
  Amen.
• 9:41
  Okay,
• 9:42
  here's
• 9:42
  your
• 9:42
  action
• 9:42
  step
• 9:42
  for
• 9:43
  today.
• 9:43
  I
• 9:43
  want
• 9:43
  you
• 9:43
  to
• 9:43
  just
• 9:43
  take
• 9:44
  a
• 9:44
  moment
• 9:44
  today
• 9:44
  and
• 9:44
  I
• 9:45
  want
• 9:45
  you
• 9:45
  to
• 9:45
  write
• 9:45
  down
• 9:46
  three
• 9:46
  regrets
• 9:47
  from
• 9:47
  2025.
• 9:49
  Once
• 9:49
  you
• 9:49
  write
• 9:50
  those
• 9:50
  down,
• 9:50
  I
• 9:50
  want
• 9:50
  you
• 9:50
  to
• 9:51
  slowly,
• 9:51
  intentionally
• 9:52
  draw
• 9:52
  a
• 9:52
  line
• 9:53
  right
• 9:53
  through
• 9:53
  them.
• 9:55
  Not
• 9:55
  to
• 9:55
  pretend
• 9:55
  they
• 9:55
  didn't
• 9:56
  happen,
• 9:56
  but
• 9:56
  to
• 9:57
  release
• 9:57
  them
• 9:57
  into
• 9:57
  the
• 9:58
  hands
• 9:58
  of
• 9:58
  God.
• 9:58
  He
• 9:58
  can
• 9:58
  do
• 9:59
  this.
• 10:00
  Let
• 10:00
  that
• 10:00
  pen
• 10:01
  be
• 10:01
  your
• 10:01
  symbol
• 10:02
  of
• 10:02
  surrender.
• 10:04
  And
• 10:04
  a
• 10:05
  member
• 10:05
  of
• 10:05
  our
• 10:05
  community
• 10:05
  said
• 10:05
  this
• 10:06
  recently,
• 10:07
  said
• 10:07
  Ralph,
• 10:07
  I
• 10:07
  joined
• 10:08
  because
• 10:08
  I
• 10:08
  needed
• 10:08
  a
• 10:08
  place
• 10:09
  that
• 10:09
  felt
• 10:09
  safe
• 10:09
  enough
• 10:10
  to
• 10:10
  grow
• 10:10
  again.
• 10:11
  Not
• 10:11
  pressure,
• 10:12
  just
• 10:12
  people
• 10:13
  who
• 10:13
  care.
• 10:14
  The
• 10:14
  habits
• 10:15
  keep
• 10:15
  me
• 10:15
  steady,
• 10:16
  the
• 10:16
  encouragement
• 10:16
  keeps
• 10:17
  me
• 10:17
  hopeful.
• 10:17
  And
• 10:17
  the
• 10:18
  accountability
• 10:19
  is
• 10:19
  always
• 10:19
  kind,
• 10:20
  never
• 10:20
  heavy.
• 10:22
  And
• 10:22
  the
• 10:22
  fact
• 10:22
  that
• 10:22
  it's
• 10:22
  free,
• 10:23
  that
• 10:23
  still
• 10:23
  surprises
• 10:24
  me.
• 10:24
  Ralph
• 10:26
  Friend,
• 10:26
  you
• 10:26
  don't
• 10:27
  have
• 10:27
  to
• 10:27
  grow
• 10:27
  alone.
• 10:27
  Want
• 10:28
  to
• 10:28
  encourage
• 10:28
  you
• 10:28
  to
• 10:28
  come
• 10:29
  join
• 10:29
  our
• 10:29
  community.
• 10:30
  You
• 10:30
  can
• 10:31
  get
• 10:31
  to
• 10:31
  it
• 10:31
  by
• 10:31
  going
• 10:31
  to
• 10:31
  financiallyconfidentchristian.com/join
• 10:35
  again.
• 10:35
  That's
• 10:36
  financiallyconfidentchristian.com/join.
• 10:40
  Friend,
• 10:40
  let
• 10:41
  me
• 10:41
  tell
• 10:41
  you
• 10:41
  something
• 10:41
  right
• 10:41
  now.
• 10:42
  God
• 10:43
  already
• 10:43
  forgave
• 10:43
  what
• 10:43
  you're
• 10:44
  still
• 10:44
  holding
• 10:44
  on
• 10:44
  to.
• 10:45
  Let
• 10:45
  the
• 10:46
  past
• 10:46
  be
• 10:46
  the
• 10:46
  past.
• 10:47
  Let
• 10:47
  today
• 10:48
  begin
• 10:48
  with
• 10:48
  grace.
• 10:49
  Let
• 10:49
  tomorrow
• 10:50
  rise
• 10:50
  with
• 10:50
  peace.
• 10:50
  Let's
• 10:51
  walk
• 10:51
  into
• 10:52
  2026
• 10:52
  lighter
• 10:53
  and
• 10:53
  freer
• 10:54
  and
• 10:54
  more
• 10:54
  confident
• 10:55
  in
• 10:55
  God's
• 10:55
  provision.
• 10:57
  Be
• 10:58
  that
• 10:58
  financially
• 10:58
  confident
• 10:59
  Christian
• 10:59
  that
• 10:59
  I
• 11:00
  know
• 11:00
  you
• 11:00
  can
• 11:00
  be.
• 11:00
  You
• 11:00
  can
• 11:01
  do
• 11:01
  this.
• 11:02
  Stay
• 11:02
  financially
• 11:03
  savvy.
• 11:03
  God
• 11:03
  bless
• 11:04
  you
• 11:04
  and
• 11:04
  you
• 11:04
  have
• 11:04
  a
• 11:05
  great
• 11:05
  day
• 11:05
  today.