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Why Does Debt Feel Like a Prison — And Is Freedom Really Possible? · Becoming Financially Confident

• 0:37
  Have
• 0:37
  you
• 0:37
  ever
• 0:38
  noticed
• 0:38
  that
• 0:38
  debt
• 0:38
  doesn't
• 0:39
  just
• 0:39
  live
• 0:39
  on
• 0:39
  a
• 0:39
  statement?
• 0:40
  It
• 0:41
  follows
• 0:41
  you
• 0:41
  everywhere.
• 0:42
  It
• 0:42
  shows
• 0:43
  up
• 0:43
  when
• 0:43
  you're
• 0:43
  trying
• 0:43
  to
• 0:44
  fall
• 0:44
  asleep.
• 0:44
  It
• 0:45
  shows
• 0:45
  up
• 0:45
  when
• 0:45
  you
• 0:45
  check
• 0:46
  the
• 0:46
  mail.
• 0:46
  It
• 0:46
  shows
• 0:47
  up
• 0:47
  when
• 0:47
  you
• 0:47
  check
• 0:47
  that
• 0:48
  bank
• 0:48
  app
• 0:48
  and
• 0:49
  your
• 0:49
  stomach
• 0:49
  tightens
• 0:49
  before
• 0:50
  the
• 0:50
  screen
• 0:50
  even
• 0:50
  loads.
• 0:51
  It's
• 0:52
  not
• 0:52
  just
• 0:52
  numbers.
• 0:53
  It's
• 0:53
  a
• 0:54
  weight.
• 0:54
  And
• 0:54
  sometimes
• 0:55
  you
• 0:55
  wonder,
• 0:56
  why
• 0:56
  does
• 0:56
  this
• 0:57
  feel
• 0:57
  so
• 0:57
  heavy?
• 0:57
  Why
• 0:58
  does
• 0:58
  it
• 0:58
  feel
• 0:58
  like
• 0:58
  I
• 0:59
  can't
• 0:59
  breathe?
• 1:00
  And
• 1:00
  let
• 1:00
  me
• 1:00
  tell
• 1:00
  you
• 1:01
  right
• 1:01
  now,
• 1:01
  friend,
• 1:01
  you're
• 1:02
  not
• 1:02
  weak
• 1:02
  for
• 1:02
  feeling
• 1:02
  that.
• 1:03
  Then
• 1:03
  today
• 1:03
  we're
• 1:03
  going
• 1:04
  to
• 1:04
  talk
• 1:04
  about
• 1:04
  why
• 1:04
  debt
• 1:05
  feels
• 1:05
  like
• 1:05
  a
• 1:05
  prison
• 1:06
  and
• 1:06
  why
• 1:06
  freedom,
• 1:06
  yes,
• 1:07
  freedom
• 1:07
  is
• 1:08
  still
• 1:08
  possible.
• 1:30
  Hey,
• 1:30
  friend.
• 1:30
  Ralph
• 1:31
  Estep
• 1:31
  Jr.
• 1:32
  Here.
• 1:32
  Welcome
• 1:32
  to
• 1:33
  Financially
• 1:33
  Confident
• 1:33
  Christian,
• 1:34
  where
• 1:34
  we
• 1:35
  learn
• 1:35
  how
• 1:35
  to
• 1:35
  walk
• 1:35
  through
• 1:35
  life
• 1:36
  and
• 1:36
  with
• 1:36
  money,
• 1:36
  with
• 1:37
  wisdom,
• 1:37
  with
• 1:38
  peace,
• 1:38
  and
• 1:38
  with
• 1:39
  a
• 1:39
  heart
• 1:39
  anchored
• 1:39
  in
• 1:40
  God's
• 1:40
  truth.
• 1:40
  My
• 1:41
  mission
• 1:41
  on
• 1:41
  the
• 1:41
  show
• 1:42
  is
• 1:42
  pretty
• 1:42
  simple.
• 1:42
  I
• 1:43
  want
• 1:43
  to
• 1:43
  help
• 1:43
  you
• 1:43
  break
• 1:43
  that
• 1:44
  cycle
• 1:44
  of
• 1:44
  financial
• 1:45
  shame
• 1:45
  and
• 1:46
  build
• 1:46
  those
• 1:46
  steady
• 1:47
  habits
• 1:47
  that
• 1:47
  are
• 1:47
  rooted
• 1:47
  in
• 1:48
  faith
• 1:48
  and
• 1:49
  become
• 1:49
  the
• 1:49
  kind
• 1:49
  of
• 1:49
  believer
• 1:50
  who
• 1:50
  handles
• 1:50
  money
• 1:51
  with
• 1:51
  clarity,
• 1:52
  with
• 1:52
  confidence,
• 1:53
  and
• 1:53
  with
• 1:54
  purpose.
• 1:55
  Yesterday
• 1:55
  we
• 1:55
  talked
• 1:56
  about
• 1:56
  trusting
• 1:56
  God
• 1:57
  when
• 1:57
  the
• 1:57
  numbers
• 1:57
  feel
• 1:58
  tight,
• 1:58
  about
• 1:58
  holding
• 1:59
  faith
• 1:59
  and
• 1:59
  wisdom
• 2:00
  together.
• 2:01
  And
• 2:01
  today
• 2:01
  we're
• 2:02
  going
• 2:02
  to
• 2:02
  start
• 2:02
  a
• 2:02
  brand
• 2:02
  new
• 2:03
  conversation,
• 2:03
  one
• 2:04
  a
• 2:04
  lot
• 2:04
  of
• 2:04
  people
• 2:04
  avoid
• 2:05
  but
• 2:05
  quietly
• 2:05
  carry
• 2:06
  every
• 2:06
  day.
• 2:07
  We're
• 2:07
  going
• 2:07
  to
• 2:07
  start
• 2:07
  talking
• 2:07
  about
• 2:08
  debt.
• 2:08
  And
• 2:09
  we're
• 2:09
  not
• 2:09
  talking
• 2:09
  about
• 2:09
  it
• 2:10
  from
• 2:10
  a
• 2:10
  place
• 2:10
  of
• 2:10
  condemnation
• 2:11
  and
• 2:11
  not
• 2:12
  from
• 2:12
  a
• 2:12
  place
• 2:12
  of
• 2:12
  fear,
• 2:13
  but
• 2:13
  with
• 2:13
  truth
• 2:14
  and
• 2:14
  with
• 2:14
  hope.
• 2:15
  A
• 2:15
  listener
• 2:16
  asked
• 2:16
  me
• 2:16
  this,
• 2:17
  Ralph,
• 2:18
  I
• 2:18
  am
• 2:18
  buried
• 2:19
  in
• 2:19
  debt.
• 2:19
  I
• 2:20
  feel
• 2:20
  stuck.
• 2:20
  And
• 2:21
  sometimes
• 2:21
  I
• 2:21
  wonder
• 2:21
  if
• 2:22
  I'll
• 2:22
  ever
• 2:22
  get
• 2:22
  free.
• 2:23
  Is
• 2:23
  there
• 2:24
  something
• 2:24
  wrong
• 2:25
  with
• 2:25
  me?
• 2:26
  And
• 2:26
  I
• 2:26
  just
• 2:27
  want
• 2:27
  to
• 2:27
  pause
• 2:27
  there
• 2:27
  for
• 2:27
  a
• 2:27
  second.
• 2:29
  That
• 2:29
  question
• 2:30
  takes
• 2:30
  so
• 2:30
  much
• 2:31
  courage
• 2:31
  to
• 2:31
  ask.
• 2:32
  Is
• 2:32
  there
• 2:33
  something
• 2:33
  wrong
• 2:33
  with
• 2:33
  me?
• 2:34
  No,
• 2:35
  there's
• 2:35
  nothing
• 2:35
  wrong
• 2:35
  with
• 2:35
  you.
• 2:36
  But
• 2:36
  I
• 2:36
  want
• 2:36
  to
• 2:36
  give
• 2:36
  you
• 2:37
  a
• 2:37
  gentle
• 2:37
  answer
• 2:37
  today
• 2:38
  because
• 2:38
  what
• 2:38
  you
• 2:39
  might
• 2:39
  be
• 2:39
  feeling
• 2:39
  is
• 2:40
  this.
• 2:40
  Ralph,
• 2:41
  I
• 2:41
  made
• 2:42
  choices
• 2:42
  now
• 2:42
  that
• 2:42
  I've
• 2:43
  come
• 2:43
  to
• 2:43
  regret.
• 2:45
  I
• 2:45
  know
• 2:45
  I
• 2:45
  should
• 2:45
  have
• 2:46
  known
• 2:46
  better,
• 2:47
  Ralph.
• 2:48
  I
• 2:48
  feel
• 2:48
  ashamed
• 2:49
  every
• 2:49
  time
• 2:49
  I
• 2:49
  think
• 2:49
  about
• 2:50
  it.
• 2:51
  And
• 2:51
  see,
• 2:51
  here's
• 2:51
  the
• 2:51
  problem,
• 2:52
  friend.
• 2:52
  Debt
• 2:52
  doesn't
• 2:53
  just
• 2:53
  affect
• 2:53
  your
• 2:54
  finances.
• 2:55
  If
• 2:55
  it
• 2:55
  did,
• 2:55
  that'd
• 2:56
  be
• 2:56
  easier
• 2:56
  to
• 2:56
  deal
• 2:56
  with.
• 2:57
  But
• 2:57
  it
• 2:57
  doesn't.
• 2:57
  It
• 2:58
  weighs
• 2:58
  on
• 2:58
  your
• 2:58
  heart.
• 2:59
  It
• 2:59
  steals
• 3:00
  your
• 3:00
  peace,
• 3:01
  and
• 3:01
  it
• 3:01
  whispers
• 3:02
  lies
• 3:02
  to
• 3:02
  you.
• 3:03
  But
• 3:03
  let
• 3:04
  me
• 3:04
  say
• 3:04
  this
• 3:04
  clearly.
• 3:05
  Being
• 3:05
  in
• 3:06
  debt
• 3:06
  does
• 3:06
  not
• 3:06
  mean
• 3:07
  you're
• 3:07
  irresponsible.
• 3:08
  It
• 3:08
  doesn't
• 3:08
  mean
• 3:08
  you're
• 3:09
  foolish.
• 3:09
  And
• 3:10
  it
• 3:10
  does
• 3:10
  not
• 3:10
  mean
• 3:10
  you're
• 3:11
  beyond
• 3:11
  hope.
• 3:12
  It
• 3:12
  just
• 3:12
  means
• 3:12
  you're
• 3:13
  human.
• 3:13
  And
• 3:13
  guess
• 3:14
  what?
• 3:14
  You're
• 3:14
  living
• 3:14
  in
• 3:14
  a
• 3:15
  world
• 3:15
  where
• 3:15
  borrowing
• 3:15
  is
• 3:16
  easy
• 3:16
  and
• 3:17
  freedom
• 3:17
  can
• 3:17
  feel
• 3:18
  so
• 3:18
  far
• 3:18
  away.
• 3:19
  I
• 3:19
  need
• 3:20
  you
• 3:20
  to
• 3:20
  Hear
• 3:20
  this.
• 3:21
  That
• 3:21
  conviction
• 3:22
  is
• 3:23
  pulling
• 3:23
  you
• 3:23
  towards
• 3:24
  God.
• 3:24
  That
• 3:25
  shame
• 3:25
  pushes
• 3:25
  you
• 3:25
  away
• 3:26
  from
• 3:26
  him.
• 3:26
  And
• 3:27
  today
• 3:27
  is
• 3:27
  not
• 3:27
  about
• 3:28
  shame.
• 3:29
  Here's
• 3:30
  what
• 3:30
  people
• 3:30
  don't
• 3:30
  talk
• 3:30
  about.
• 3:31
  Enough.
• 3:32
  That
• 3:32
  creates
• 3:32
  a
• 3:33
  constant
• 3:33
  sense
• 3:34
  of
• 3:34
  obligation.
• 3:35
  It's
• 3:35
  like
• 3:35
  your
• 3:36
  mind
• 3:36
  is
• 3:36
  always
• 3:36
  on
• 3:36
  the
• 3:37
  on
• 3:37
  button.
• 3:38
  Always
• 3:38
  calculating,
• 3:39
  always
• 3:39
  bracing,
• 3:40
  always
• 3:40
  trying
• 3:41
  to
• 3:41
  hold
• 3:41
  it
• 3:41
  together.
• 3:43
  So
• 3:43
  if
• 3:43
  you've
• 3:43
  been
• 3:43
  feeling
• 3:44
  anxious
• 3:44
  or
• 3:45
  maybe
• 3:45
  tense,
• 3:45
  or
• 3:45
  hey,
• 3:45
  maybe
• 3:46
  you're
• 3:46
  just
• 3:46
  tired.
• 3:47
  That
• 3:47
  heaviness
• 3:48
  you're
• 3:48
  feeling
• 3:48
  is
• 3:49
  not
• 3:49
  imaginary.
• 3:50
  It's
• 3:50
  what
• 3:50
  pressure
• 3:51
  does
• 3:51
  when
• 3:51
  it
• 3:52
  follows
• 3:52
  you
• 3:52
  everywhere.
• 3:54
  And
• 3:54
  over
• 3:55
  the
• 3:55
  years,
• 3:55
  I've
• 3:55
  walked
• 3:56
  with
• 3:56
  people
• 3:56
  across
• 3:56
  the
• 3:57
  entire
• 3:57
  debt
• 3:58
  spectrum.
• 3:58
  I've
• 3:59
  seen
• 3:59
  credit
• 3:59
  card
• 4:00
  debt,
• 4:00
  student
• 4:01
  loan
• 4:01
  debt,
• 4:01
  medical
• 4:02
  bills,
• 4:02
  business
• 4:03
  debt.
• 4:03
  And
• 4:03
  I've
• 4:03
  learned
• 4:03
  this
• 4:04
  one
• 4:04
  thing.
• 4:05
  Debt
• 4:05
  rarely
• 4:06
  starts
• 4:06
  with
• 4:06
  bad
• 4:07
  intentions.
• 4:08
  It
• 4:08
  usually
• 4:08
  starts
• 4:08
  with
• 4:09
  survival
• 4:09
  or
• 4:09
  maybe
• 4:10
  hope,
• 4:10
  or
• 4:10
  maybe
• 4:11
  a
• 4:11
  season
• 4:11
  that
• 4:11
  felt
• 4:12
  overwhelming.
• 4:13
  And
• 4:14
  freedom
• 4:14
  doesn't
• 4:14
  start
• 4:14
  with
• 4:15
  judgment.
• 4:16
  It
• 4:16
  actually
• 4:16
  starts
• 4:17
  with
• 4:17
  honesty.
• 4:18
  I
• 4:18
  think
• 4:18
  about
• 4:18
  one
• 4:19
  couple
• 4:19
  I
• 4:19
  work
• 4:19
  with.
• 4:20
  They
• 4:20
  avoided
• 4:21
  looking
• 4:21
  at
• 4:21
  their
• 4:21
  debt
• 4:21
  because
• 4:22
  it
• 4:22
  felt
• 4:22
  crushing
• 4:23
  to
• 4:23
  them.
• 4:24
  But
• 4:24
  when
• 4:24
  they
• 4:25
  finally
• 4:25
  wrote
• 4:25
  everything
• 4:26
  down,
• 4:26
  they
• 4:26
  expected
• 4:27
  to
• 4:27
  be
• 4:27
  in
• 4:27
  utter
• 4:28
  despair.
• 4:28
  But
• 4:28
  instead
• 4:29
  they
• 4:29
  felt
• 4:29
  relief.
• 4:30
  Not
• 4:31
  because
• 4:31
  their
• 4:31
  numbers
• 4:32
  were
• 4:32
  small.
• 4:32
  Listen,
• 4:32
  their
• 4:32
  numbers
• 4:33
  were
• 4:33
  not
• 4:33
  small.
• 4:33
  They
• 4:33
  had
• 4:33
  a
• 4:34
  ton
• 4:34
  of
• 4:34
  debt.
• 4:35
  But
• 4:35
  because
• 4:35
  fear
• 4:36
  had
• 4:36
  finally
• 4:36
  lost
• 4:37
  its
• 4:37
  power.
• 4:37
  See,
• 4:38
  that
• 4:38
  awareness
• 4:38
  didn't
• 4:39
  trap
• 4:39
  them
• 4:39
  any
• 4:39
  longer.
• 4:40
  It
• 4:40
  opened
• 4:41
  a
• 4:41
  door.
• 4:42
  So
• 4:42
  here's
• 4:42
  today's
• 4:43
  gentle
• 4:43
  question.
• 4:44
  What
• 4:44
  if
• 4:44
  debt
• 4:45
  feels
• 4:45
  like
• 4:45
  a
• 4:45
  prison?
• 4:46
  Not
• 4:46
  because
• 4:46
  you're
• 4:46
  trapped
• 4:47
  forever,
• 4:47
  but
• 4:48
  because
• 4:48
  you
• 4:48
  haven't
• 4:48
  been
• 4:48
  shown
• 4:49
  a
• 4:49
  path
• 4:49
  out
• 4:50
  yet.
• 4:51
  You
• 4:51
  don't
• 4:51
  need
• 4:51
  a
• 4:51
  miracle
• 4:52
  to
• 4:52
  start.
• 4:52
  You
• 4:53
  just
• 4:53
  need
• 4:53
  a
• 4:53
  map.
• 4:53
  Let's
• 4:54
  talk
• 4:54
  about
• 4:54
  what
• 4:55
  debt
• 4:55
  really
• 4:55
  does
• 4:56
  and
• 4:56
  where
• 4:56
  freedom
• 4:57
  actually
• 4:57
  begins.
• 4:58
  Here's
• 4:59
  the
• 4:59
  thing
• 4:59
  that
• 4:59
  debt
• 4:59
  does.
• 5:00
  Debt
• 5:00
  borrows
• 5:01
  from
• 5:01
  tomorrow,
• 5:02
  friend.
• 5:02
  Debt
• 5:03
  isn't
• 5:03
  just
• 5:04
  money.
• 5:04
  It's
• 5:05
  your
• 5:05
  future
• 5:05
  margin
• 5:06
  that
• 5:06
  you're
• 5:06
  using
• 5:06
  today.
• 5:07
  That
• 5:07
  monthly
• 5:08
  payment
• 5:08
  that
• 5:08
  you're
• 5:09
  setting
• 5:09
  yourself
• 5:09
  up
• 5:10
  or
• 5:10
  limits
• 5:10
  your
• 5:11
  choices
• 5:11
  you
• 5:11
  haven't
• 5:12
  even
• 5:12
  made
• 5:12
  yet.
• 5:13
  That's
• 5:13
  why
• 5:13
  I
• 5:13
  feel
• 5:14
  so
• 5:14
  heavy.
• 5:15
  Because
• 5:15
  debt
• 5:15
  often
• 5:16
  promises
• 5:16
  relief.
• 5:17
  It
• 5:17
  whispers
• 5:18
  these
• 5:18
  things,
• 5:18
  this
• 5:19
  will
• 5:19
  help.
• 5:20
  This
• 5:20
  is
• 5:20
  going
• 5:20
  to
• 5:21
  fix
• 5:21
  it.
• 5:21
  Well,
• 5:21
  this
• 5:21
  will
• 5:22
  make
• 5:22
  things
• 5:22
  so
• 5:22
  much
• 5:23
  easier.
• 5:24
  And
• 5:25
  sometimes
• 5:25
  it
• 5:25
  does,
• 5:26
  but
• 5:27
  just
• 5:27
  for
• 5:27
  a
• 5:27
  moment.
• 5:28
  But
• 5:28
  then
• 5:29
  often
• 5:29
  that
• 5:29
  credit
• 5:29
  card
• 5:30
  covers
• 5:30
  the
• 5:30
  emergency
• 5:31
  and
• 5:31
  creates
• 5:32
  this
• 5:32
  longer
• 5:32
  season
• 5:33
  of
• 5:33
  pressure
• 5:34
  that
• 5:34
  short
• 5:34
  term
• 5:34
  relief
• 5:35
  can
• 5:35
  turn
• 5:35
  into
• 5:35
  long
• 5:36
  term
• 5:36
  stress.
• 5:37
  I've
• 5:37
  seen
• 5:37
  it
• 5:37
  so
• 5:37
  many
• 5:38
  times.
• 5:38
  I've
• 5:38
  seen
• 5:38
  it
• 5:38
  my
• 5:39
  own
• 5:39
  life.
• 5:40
  But
• 5:40
  awareness
• 5:41
  is
• 5:41
  the
• 5:41
  first
• 5:41
  step
• 5:42
  towards
• 5:42
  freedom.
• 5:43
  See,
• 5:43
  freedom
• 5:44
  doesn't
• 5:44
  start
• 5:44
  with
• 5:44
  a
• 5:45
  payoff
• 5:45
  plan.
• 5:46
  It
• 5:46
  starts
• 5:47
  with
• 5:47
  clarity.
• 5:47
  It's
• 5:48
  that
• 5:48
  writing
• 5:48
  it
• 5:48
  down,
• 5:49
  looking
• 5:49
  at
• 5:49
  it,
• 5:50
  naming
• 5:50
  it.
• 5:51
  That
• 5:51
  light
• 5:52
  breaks
• 5:52
  those
• 5:52
  chains.
• 5:54
  Because
• 5:54
  God
• 5:55
  heart
• 5:55
  is
• 5:55
  freedom,
• 5:56
  not
• 5:56
  shame.
• 5:57
  God
• 5:58
  doesn't
• 5:58
  reveal
• 5:58
  truth
• 5:59
  to
• 5:59
  punish
• 5:59
  you.
• 6:00
  He
• 6:00
  reveals
• 6:00
  truth
• 6:01
  to
• 6:01
  lead
• 6:01
  you.
• 6:01
  Freedom
• 6:02
  is
• 6:02
  a
• 6:02
  process,
• 6:03
  not
• 6:03
  a
• 6:03
  moment.
• 6:04
  And
• 6:04
  guess
• 6:04
  what?
• 6:05
  God
• 6:05
  is
• 6:05
  patient
• 6:06
  with
• 6:06
  the
• 6:06
  process.
• 6:07
  Look
• 6:07
  at
• 6:07
  what
• 6:07
  Proverbs
• 6:08
  22:7
• 6:09
  says.
• 6:10
  The
• 6:10
  rich
• 6:10
  rule
• 6:11
  over
• 6:11
  the
• 6:11
  poor
• 6:11
  and
• 6:12
  the
• 6:12
  borrower
• 6:13
  is
• 6:13
  slave
• 6:13
  to
• 6:13
  the
• 6:14
  lender.
• 6:14
  Yeah,
• 6:14
  that's
• 6:15
  pretty
• 6:15
  harsh,
• 6:15
  isn't
• 6:15
  it?
• 6:16
  That's
• 6:16
  not
• 6:17
  condemnation.
• 6:18
  That's
• 6:18
  just
• 6:18
  clarity.
• 6:19
  God
• 6:19
  names
• 6:20
  the
• 6:20
  weight
• 6:20
  so
• 6:20
  he
• 6:20
  can
• 6:21
  guide
• 6:21
  you
• 6:21
  towards
• 6:21
  release.
• 6:23
  Lord,
• 6:23
  thank
• 6:23
  you
• 6:23
  for
• 6:24
  the
• 6:24
  truth
• 6:24
  that
• 6:24
  frees
• 6:24
  us.
• 6:25
  Give
• 6:25
  us
• 6:26
  courage
• 6:26
  to
• 6:26
  face
• 6:26
  reality
• 6:27
  without
• 6:27
  fear.
• 6:28
  Replace
• 6:29
  shame
• 6:29
  with
• 6:29
  hope.
• 6:29
  Replace
• 6:30
  pressure
• 6:30
  with
• 6:30
  peace.
• 6:31
  And
• 6:31
  lead
• 6:32
  us
• 6:32
  step
• 6:32
  by
• 6:32
  step
• 6:33
  towards
• 6:33
  freedom.
• 6:34
  And
• 6:34
  we
• 6:34
  ask
• 6:34
  this
• 6:35
  in
• 6:35
  Jesus
• 6:36
  name,
• 6:37
  Amen.
• 6:38
  Here's
• 6:38
  today's
• 6:38
  step.
• 6:39
  I
• 6:39
  want
• 6:39
  you
• 6:39
  to
• 6:39
  write
• 6:40
  down
• 6:40
  every
• 6:40
  debt
• 6:41
  that
• 6:41
  you
• 6:41
  have.
• 6:41
  And
• 6:41
  for
• 6:42
  each
• 6:42
  one,
• 6:42
  I
• 6:42
  want
• 6:42
  you
• 6:43
  to
• 6:43
  write
• 6:43
  this.
• 6:43
  Who's
• 6:44
  it
• 6:44
  with?
• 6:44
  What's
• 6:45
  the
• 6:45
  balance?
• 6:45
  What's
• 6:46
  the
• 6:46
  minimum
• 6:46
  payment?
• 6:47
  And
• 6:47
  what's
• 6:47
  the
• 6:47
  interest
• 6:47
  rate?
• 6:48
  Of
• 6:48
  course,
• 6:48
  if
• 6:48
  you
• 6:49
  can
• 6:49
  find
• 6:49
  it.
• 6:49
  And
• 6:50
  we're
• 6:50
  not
• 6:50
  doing
• 6:50
  this
• 6:50
  for
• 6:51
  hiding.
• 6:51
  We're
• 6:51
  not
• 6:51
  doing
• 6:52
  it
• 6:52
  for
• 6:52
  judgment.
• 6:52
  We're
• 6:52
  doing
• 6:53
  it
• 6:53
  just
• 6:53
  for
• 6:53
  clarity.
• 6:54
  Because
• 6:54
  this
• 6:54
  isn't
• 6:55
  failure.
• 6:55
  It's
• 6:56
  the
• 6:56
  first
• 6:56
  act
• 6:57
  of
• 6:57
  freedom,
• 6:58
  friend.
• 6:59
  If
• 6:59
  debt
• 6:59
  feels
• 7:00
  isolating,
• 7:00
  you're
• 7:01
  not
• 7:01
  alone
• 7:01
  in
• 7:01
  that.
• 7:02
  Inside
• 7:02
  the
• 7:02
  financially
• 7:03
  confident
• 7:03
  Christian
• 7:04
  community,
• 7:04
  people
• 7:04
  often
• 7:05
  say,
• 7:05
  this
• 7:05
  is
• 7:06
  the
• 7:06
  first
• 7:06
  place
• 7:06
  I
• 7:06
  felt
• 7:07
  safe
• 7:07
  enough
• 7:07
  to
• 7:08
  tell
• 7:08
  the
• 7:08
  truth
• 7:08
  about
• 7:08
  money.
• 7:09
  Grace
• 7:10
  lives
• 7:10
  there,
• 7:11
  support
• 7:11
  lives
• 7:12
  there,
• 7:12
  and
• 7:12
  hope
• 7:13
  lives
• 7:13
  there.
• 7:13
  I
• 7:13
  want
• 7:13
  to
• 7:13
  encourage
• 7:13
  you
• 7:14
  to
• 7:14
  go
• 7:14
  to
• 7:14
  financiallyconfidentchristian.com/join
• 7:18
  again.
• 7:18
  That's
• 7:19
  financiallyconfidentchristian.com/join.
• 7:22
  You're
• 7:23
  welcome
• 7:23
  whenever
• 7:23
  you're
• 7:23
  ready.
• 7:24
  And
• 7:24
  let
• 7:25
  me
• 7:25
  leave
• 7:25
  you
• 7:25
  with
• 7:25
  this.
• 7:26
  Debt
• 7:26
  may
• 7:26
  feel
• 7:27
  like
• 7:27
  a
• 7:27
  prison,
• 7:28
  but
• 7:28
  it
• 7:28
  does
• 7:28
  not
• 7:28
  get
• 7:29
  the
• 7:29
  final
• 7:29
  word.
• 7:30
  Because
• 7:30
  God
• 7:30
  is
• 7:30
  patient.
• 7:31
  Freedom
• 7:31
  is
• 7:32
  possible.
• 7:32
  And
• 7:33
  this
• 7:33
  journey
• 7:33
  starts
• 7:34
  today.
• 7:34
  Now,
• 7:34
  tomorrow
• 7:35
  we're
• 7:35
  going
• 7:35
  to
• 7:35
  talk
• 7:36
  about
• 7:36
  the
• 7:36
  debt
• 7:36
  stories
• 7:37
  you've
• 7:37
  been
• 7:37
  told
• 7:37
  and
• 7:37
  whether
• 7:37
  they're
• 7:38
  actually
• 7:38
  true.
• 7:38
  We're
• 7:38
  going
• 7:38
  to
• 7:39
  demyst
• 7:39
  some
• 7:39
  things
• 7:39
  tomorrow,
• 7:40
  but
• 7:40
  today
• 7:41
  I
• 7:41
  want
• 7:41
  you
• 7:41
  to
• 7:41
  go
• 7:41
  out
• 7:41
  there
• 7:41
  and
• 7:42
  be
• 7:42
  a
• 7:42
  financially
• 7:43
  confident
• 7:43
  Christian.
• 7:44
  You
• 7:44
  can
• 7:44
  do
• 7:44
  this.
• 7:45
  Stay
• 7:45
  financially
• 7:46
  savvy.
• 7:46
  God
• 7:47
  bless
• 7:47
  you
• 7:47
  and
• 7:47
  make
• 7:47
  sure
• 7:48
  you
• 7:48
  join
• 7:48
  me
• 7:48
  on
• 7:48
  tomorrow's
• 7:49
  show.