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How Can You Automate Your Savings—The Lazy Way to Build Wealth? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  do
• 0:37
  you
• 0:38
  want
• 0:38
  to
• 0:38
  save
• 0:38
  more?
• 0:39
  But
• 0:39
  you're
• 0:39
  tired
• 0:39
  of
• 0:40
  trying
• 0:40
  harder
• 0:41
  because
• 0:41
  your
• 0:41
  willpower
• 0:42
  is
• 0:42
  expensive,
• 0:42
  isn't
• 0:43
  it?
• 0:43
  It
• 0:43
  wears
• 0:44
  out.
• 0:44
  It
• 0:45
  gets
• 0:45
  drained
• 0:45
  by
• 0:46
  everyday
• 0:46
  life,
• 0:46
  and
• 0:46
  it
• 0:46
  disappears
• 0:47
  on
• 0:47
  those
• 0:48
  stressful
• 0:48
  days,
• 0:48
  doesn't
• 0:49
  it?
• 0:50
  But
• 0:50
  you
• 0:50
  know
• 0:50
  what
• 0:50
  doesn't
• 0:51
  disappear?
• 0:52
  A
• 0:52
  system.
• 0:53
  A
• 0:53
  system
• 0:54
  never
• 0:54
  gets
• 0:54
  moody.
• 0:55
  A
• 0:55
  system
• 0:55
  doesn't
• 0:56
  forget,
• 0:57
  and
• 0:57
  a
• 0:57
  system
• 0:58
  also
• 0:58
  doesn't
• 0:59
  panic.
• 1:00
  So
• 1:00
  today
• 1:00
  on
• 1:01
  the
• 1:01
  show,
• 1:01
  I
• 1:01
  want
• 1:01
  to
• 1:01
  show
• 1:01
  you
• 1:02
  the
• 1:02
  lazy
• 1:02
  way
• 1:02
  to
• 1:02
  build
• 1:03
  wealth.
• 1:03
  Yes,
• 1:03
  you
• 1:03
  heard
• 1:03
  me
• 1:04
  right.
• 1:04
  I
• 1:04
  said
• 1:04
  lazy.
• 1:05
  And,
• 1:06
  friend,
• 1:06
  lazy
• 1:06
  in
• 1:07
  this
• 1:07
  way
• 1:08
  means
• 1:08
  wise.
• 1:09
  It's
• 1:09
  really
• 1:10
  that
• 1:10
  simple.
• 1:10
  It
• 1:11
  means
• 1:11
  you
• 1:11
  stop
• 1:11
  relying
• 1:12
  on
• 1:12
  motivation
• 1:13
  and
• 1:13
  you
• 1:13
  start
• 1:14
  relying
• 1:14
  on
• 1:14
  structure.
• 1:15
  And
• 1:15
  yes,
• 1:16
  before
• 1:16
  I
• 1:16
  even
• 1:16
  get
• 1:17
  rolling
• 1:17
  today,
• 1:17
  you
• 1:18
  can
• 1:18
  do
• 1:18
  this.
• 1:18
  I
• 1:19
  have
• 1:19
  confidence
• 1:19
  in
• 1:20
  that.
• 1:20
  So
• 1:20
  let's
• 1:20
  make
• 1:21
  savings
• 1:21
  easier
• 1:21
  today.
• 1:22
  Here's
• 1:23
  the
• 1:23
  question
• 1:23
  you
• 1:23
  and
• 1:23
  I
• 1:23
  are
• 1:24
  answering
• 1:24
  today.
• 1:25
  How
• 1:25
  can
• 1:25
  you
• 1:25
  automate
• 1:26
  your
• 1:26
  savings?
• 1:26
  The
• 1:27
  lazy
• 1:27
  way
• 1:27
  to
• 1:28
  actually
• 1:28
  build
• 1:29
  wealth.
• 1:29
  I'm
• 1:29
  going
• 1:30
  to
• 1:30
  show
• 1:30
  you
• 1:30
  how
• 1:30
  to
• 1:30
  set
• 1:30
  it
• 1:30
  up
• 1:31
  simply
• 1:31
  with.
• 1:31
  Without
• 1:32
  pressure
• 1:33
  and
• 1:33
  most
• 1:33
  of
• 1:33
  all,
• 1:33
  without
• 1:34
  shame.
• 1:56
  Hey,
• 1:56
  friend.
• 1:56
  Ralph
• 1:57
  Estep
• 1:57
  Jr.
• 1:57
  Here.
• 1:58
  Welcome
• 1:58
  to
• 1:58
  Financially
• 1:59
  Confident
• 1:59
  Christian,
• 2:00
  where
• 2:00
  we
• 2:00
  learn
• 2:00
  how
• 2:00
  to
• 2:00
  walk
• 2:01
  through
• 2:01
  life
• 2:01
  with
• 2:01
  money
• 2:02
  and
• 2:02
  wisdom
• 2:03
  and
• 2:03
  peace
• 2:04
  and
• 2:04
  with
• 2:04
  a
• 2:04
  heart
• 2:04
  anchored
• 2:05
  in
• 2:05
  God's
• 2:05
  truth.
• 2:06
  My
• 2:06
  mission
• 2:06
  is
• 2:07
  simple
• 2:07
  here
• 2:07
  on
• 2:07
  the
• 2:07
  show,
• 2:08
  to
• 2:08
  help
• 2:08
  you
• 2:08
  break
• 2:09
  that
• 2:09
  cycle
• 2:09
  of
• 2:09
  financial
• 2:10
  shame
• 2:10
  and
• 2:10
  build
• 2:11
  those
• 2:11
  steady
• 2:11
  habits
• 2:12
  which
• 2:12
  are
• 2:12
  rooted
• 2:13
  in
• 2:13
  faith
• 2:13
  and
• 2:14
  truly
• 2:14
  become
• 2:15
  a
• 2:15
  financially
• 2:16
  confident
• 2:16
  Christian.
• 2:16
  Hey,
• 2:16
  that's
• 2:17
  why
• 2:17
  we're
• 2:17
  here.
• 2:17
  And
• 2:18
  I'm
• 2:18
  really
• 2:18
  glad
• 2:18
  you're
• 2:18
  here
• 2:19
  today.
• 2:19
  And
• 2:19
  I
• 2:20
  want
• 2:20
  to
• 2:20
  tell
• 2:20
  you
• 2:20
  something
• 2:20
  up
• 2:21
  front.
• 2:21
  If
• 2:22
  savings
• 2:22
  has
• 2:22
  felt
• 2:23
  hard
• 2:23
  for
• 2:23
  you,
• 2:24
  that
• 2:24
  doesn't
• 2:24
  mean
• 2:25
  you're
• 2:25
  broken.
• 2:26
  It
• 2:26
  doesn't
• 2:26
  mean
• 2:26
  you
• 2:26
  lack
• 2:27
  discipline,
• 2:27
  and
• 2:28
  it
• 2:28
  doesn't
• 2:28
  mean
• 2:28
  you
• 2:28
  don't
• 2:29
  want
• 2:29
  it
• 2:29
  enough.
• 2:29
  I
• 2:30
  hear
• 2:30
  so
• 2:30
  many
• 2:30
  people
• 2:30
  that
• 2:31
  say
• 2:31
  that.
• 2:32
  What
• 2:32
  it
• 2:32
  usually
• 2:32
  means
• 2:33
  is
• 2:33
  you've
• 2:33
  been
• 2:33
  trying
• 2:33
  to
• 2:33
  do
• 2:34
  a
• 2:34
  systems
• 2:34
  job
• 2:35
  with
• 2:35
  a
• 2:35
  human
• 2:35
  strength,
• 2:37
  and
• 2:37
  like
• 2:37
  a
• 2:37
  human,
• 2:38
  you
• 2:38
  get
• 2:38
  tired.
• 2:39
  So
• 2:39
  let's
• 2:40
  build
• 2:40
  a
• 2:40
  system
• 2:40
  today
• 2:40
  that
• 2:41
  keeps
• 2:41
  working
• 2:42
  even
• 2:42
  when
• 2:42
  you're
• 2:42
  tired.
• 2:43
  Here's
• 2:44
  today's
• 2:44
  listener
• 2:44
  question.
• 2:45
  Ralph,
• 2:46
  I
• 2:46
  want
• 2:46
  to
• 2:46
  save.
• 2:46
  I
• 2:47
  really
• 2:47
  do
• 2:47
  want
• 2:47
  to
• 2:47
  save.
• 2:48
  But
• 2:49
  it
• 2:49
  feels
• 2:49
  like
• 2:49
  saving
• 2:50
  only
• 2:50
  works
• 2:50
  when
• 2:50
  life
• 2:51
  is
• 2:51
  common.
• 2:51
  My
• 2:51
  life,
• 2:52
  Ralph,
• 2:52
  isn't
• 2:53
  calm.
• 2:54
  Bills
• 2:54
  hit,
• 2:55
  the
• 2:55
  groceries
• 2:55
  cost
• 2:56
  more
• 2:56
  every
• 2:56
  week.
• 2:57
  Something
• 2:57
  always
• 2:58
  seems
• 2:58
  to
• 2:58
  come
• 2:58
  up.
• 2:59
  How
• 2:59
  do
• 3:00
  I
• 3:00
  actually
• 3:00
  save
• 3:01
  when
• 3:01
  it
• 3:01
  feels
• 3:01
  like
• 3:01
  there's
• 3:02
  none
• 3:02
  or
• 3:02
  anything
• 3:03
  left?
• 3:04
  Friend,
• 3:04
  I
• 3:05
  feel
• 3:05
  you
• 3:05
  on
• 3:05
  that
• 3:05
  one.
• 3:06
  And
• 3:06
  if
• 3:06
  that's
• 3:07
  you,
• 3:07
  let
• 3:07
  me
• 3:07
  tell
• 3:07
  you
• 3:08
  right
• 3:08
  now,
• 3:08
  you're
• 3:08
  not
• 3:08
  alone
• 3:08
  in
• 3:09
  feeling
• 3:09
  that
• 3:09
  way.
• 3:10
  You're
• 3:10
  not
• 3:10
  irresponsible,
• 3:12
  you're
• 3:12
  not
• 3:12
  lazy,
• 3:13
  you're
• 3:13
  not
• 3:13
  bad
• 3:14
  with
• 3:14
  money.
• 3:15
  You're
• 3:15
  just
• 3:15
  living
• 3:15
  in
• 3:16
  reality.
• 3:17
  And
• 3:17
  reality
• 3:17
  has
• 3:18
  Surprises.
• 3:19
  Reality
• 3:19
  has
• 3:20
  stress.
• 3:20
  Reality
• 3:21
  has
• 3:21
  those
• 3:21
  weeks
• 3:22
  when
• 3:22
  you're
• 3:22
  doing
• 3:22
  fine
• 3:23
  and
• 3:23
  weeks
• 3:23
  where
• 3:23
  you're
• 3:24
  barely
• 3:24
  holding
• 3:24
  it
• 3:25
  together.
• 3:25
  And
• 3:26
  in
• 3:26
  those
• 3:26
  weeks,
• 3:27
  savings
• 3:28
  is
• 3:28
  usually
• 3:28
  the
• 3:28
  first
• 3:28
  thing
• 3:29
  to
• 3:29
  go.
• 3:29
  And
• 3:30
  it's
• 3:30
  not
• 3:30
  because
• 3:30
  you
• 3:30
  don't
• 3:31
  care.
• 3:31
  You
• 3:31
  want
• 3:31
  to
• 3:31
  save,
• 3:32
  but
• 3:33
  because
• 3:33
  savings
• 3:33
  is
• 3:33
  quiet
• 3:34
  and
• 3:35
  urgent
• 3:35
  needs
• 3:35
  are
• 3:36
  loud.
• 3:36
  They
• 3:36
  come
• 3:36
  at
• 3:36
  you
• 3:37
  loud
• 3:37
  and
• 3:37
  clear.
• 3:38
  So
• 3:38
  today,
• 3:39
  I
• 3:39
  want
• 3:39
  to
• 3:39
  help
• 3:39
  you
• 3:39
  turn
• 3:39
  savings
• 3:40
  into
• 3:40
  something
• 3:40
  that
• 3:40
  happens
• 3:41
  without
• 3:41
  requiring
• 3:41
  you
• 3:42
  to
• 3:42
  always
• 3:42
  be
• 3:42
  at
• 3:43
  your
• 3:43
  best.
• 3:44
  Because,
• 3:44
  friend,
• 3:44
  you,
• 3:45
  you
• 3:45
  don't
• 3:45
  have
• 3:45
  to
• 3:45
  be
• 3:45
  at
• 3:46
  your
• 3:46
  best
• 3:46
  to
• 3:46
  start
• 3:47
  making
• 3:47
  real
• 3:47
  progress.
• 3:49
  Here's
• 3:49
  the
• 3:49
  truth.
• 3:50
  If
• 3:50
  savings
• 3:51
  depends
• 3:51
  on
• 3:51
  you
• 3:51
  remembering,
• 3:52
  guess
• 3:52
  what?
• 3:53
  You're
• 3:53
  going
• 3:53
  to
• 3:53
  forget
• 3:53
  it.
• 3:54
  If
• 3:54
  savings
• 3:55
  depends
• 3:55
  on
• 3:55
  leftovers,
• 3:56
  there's
• 3:57
  not
• 3:57
  going
• 3:57
  to
• 3:57
  be
• 3:57
  many
• 3:57
  leftover.
• 3:58
  And
• 3:59
  if
• 3:59
  savings
• 3:59
  depends
• 3:59
  on
• 4:00
  motivation,
• 4:01
  it's
• 4:01
  going
• 4:01
  to
• 4:01
  rise
• 4:01
  and
• 4:02
  fall
• 4:02
  with
• 4:02
  your
• 4:02
  emotions.
• 4:03
  But
• 4:04
  if
• 4:04
  savings
• 4:04
  depends
• 4:05
  on
• 4:05
  the
• 4:05
  system,
• 4:06
  that's
• 4:06
  how
• 4:06
  it
• 4:06
  becomes
• 4:07
  steady.
• 4:08
  And,
• 4:08
  friend,
• 4:08
  steady
• 4:09
  is
• 4:09
  what
• 4:10
  builds
• 4:10
  peace.
• 4:11
  I'm
• 4:11
  Ralph
• 4:11
  Estepp
• 4:12
  Jr.
• 4:12
  I'm
• 4:12
  an
• 4:12
  accountant.
• 4:13
  And
• 4:13
  for
• 4:13
  decades,
• 4:14
  I've
• 4:14
  watched
• 4:14
  people
• 4:15
  actually
• 4:16
  work
• 4:16
  in
• 4:16
  their
• 4:16
  real
• 4:17
  lives
• 4:17
  how
• 4:17
  to
• 4:18
  save.
• 4:18
  And
• 4:19
  one
• 4:19
  pattern
• 4:19
  is
• 4:20
  clear.
• 4:20
  People
• 4:21
  who
• 4:21
  make
• 4:21
  progress
• 4:22
  financially
• 4:22
  don't
• 4:23
  always
• 4:23
  have
• 4:23
  perfect
• 4:24
  income,
• 4:25
  but
• 4:25
  they
• 4:25
  do
• 4:25
  have
• 4:26
  simple
• 4:26
  systems
• 4:26
  that
• 4:27
  keep
• 4:27
  working
• 4:28
  even
• 4:28
  when
• 4:28
  life
• 4:28
  isn't
• 4:29
  perfect.
• 4:29
  And
• 4:29
  guess
• 4:29
  what?
• 4:30
  Here's
• 4:30
  a
• 4:30
  spoiler.
• 4:31
  Life
• 4:31
  isn't
• 4:31
  always
• 4:31
  perfect.
• 4:32
  And
• 4:32
  that's
• 4:33
  what
• 4:33
  we're
• 4:33
  building
• 4:33
  for
• 4:33
  you
• 4:33
  today.
• 4:34
  I've
• 4:34
  had
• 4:34
  conversations
• 4:35
  with
• 4:35
  people
• 4:35
  who
• 4:35
  tell
• 4:36
  me,
• 4:36
  rob,
• 4:36
  I've
• 4:37
  tried
• 4:37
  savings
• 4:37
  for
• 4:38
  years.
• 4:38
  I
• 4:39
  always
• 4:39
  mean
• 4:39
  to
• 4:39
  stick,
• 4:40
  but
• 4:40
  it
• 4:40
  never
• 4:40
  sticks.
• 4:42
  And
• 4:42
  a
• 4:42
  lot
• 4:42
  of
• 4:42
  the
• 4:42
  time
• 4:43
  they're
• 4:43
  not
• 4:43
  spending
• 4:44
  wildly.
• 4:44
  It's
• 4:45
  not
• 4:45
  about
• 4:45
  that.
• 4:46
  They're
• 4:46
  just
• 4:46
  living.
• 4:47
  They're
• 4:47
  just
• 4:47
  surviving.
• 4:48
  They're
• 4:48
  just
• 4:48
  trying
• 4:48
  to
• 4:49
  keep
• 4:49
  up.
• 4:50
  And
• 4:50
  when
• 4:50
  we
• 4:50
  look
• 4:50
  close,
• 4:51
  the
• 4:51
  problem
• 4:52
  isn't
• 4:52
  in
• 4:52
  their
• 4:52
  heart.
• 4:53
  It's
• 4:53
  in
• 4:53
  their
• 4:54
  setup.
• 4:54
  It's
• 4:54
  in
• 4:54
  their
• 4:55
  systems.
• 4:56
  So
• 4:56
  we
• 4:56
  do
• 4:56
  one
• 4:57
  small
• 4:57
  change.
• 4:57
  We
• 4:57
  set
• 4:58
  up
• 4:58
  what
• 4:58
  I
• 4:58
  call
• 4:58
  an
• 4:58
  automatic
• 4:59
  transfer.
• 5:00
  Nothing
• 5:00
  big,
• 5:00
  nothing
• 5:01
  dramatic,
• 5:01
  just
• 5:02
  consistent.
• 5:02
  And
• 5:03
  listen,
• 5:03
  it
• 5:03
  could
• 5:03
  be
• 5:03
  $20,
• 5:04
  it
• 5:04
  could
• 5:05
  be
• 5:05
  $50,
• 5:06
  any
• 5:06
  tiny
• 5:07
  amount
• 5:07
  that
• 5:07
  moves
• 5:08
  every
• 5:08
  single
• 5:08
  paycheck.
• 5:10
  And
• 5:10
  then
• 5:10
  they
• 5:10
  come
• 5:10
  back
• 5:11
  and
• 5:11
  say
• 5:11
  this,
• 5:11
  Ralph,
• 5:11
  I
• 5:12
  didn't
• 5:12
  even
• 5:12
  miss
• 5:12
  it.
• 5:13
  And
• 5:13
  then
• 5:13
  they
• 5:13
  say
• 5:14
  something
• 5:14
  even
• 5:14
  better.
• 5:15
  I
• 5:15
  feel
• 5:15
  like
• 5:15
  I'm
• 5:15
  finally
• 5:16
  moving
• 5:16
  forward.
• 5:17
  And,
• 5:18
  friend,
• 5:18
  today,
• 5:18
  you
• 5:19
  deserve
• 5:19
  to
• 5:19
  have
• 5:19
  that
• 5:20
  feeling
• 5:20
  as
• 5:20
  well.
• 5:21
  That's
• 5:21
  what
• 5:21
  automation
• 5:22
  does.
• 5:22
  It
• 5:22
  creates
• 5:23
  progress
• 5:23
  without
• 5:23
  demanding
• 5:24
  constant
• 5:25
  effort
• 5:25
  from
• 5:25
  you.
• 5:26
  So
• 5:27
  here's
• 5:27
  today's
• 5:27
  central
• 5:28
  question.
• 5:28
  What
• 5:29
  if
• 5:29
  the
• 5:29
  breakthrough
• 5:30
  isn't
• 5:30
  more
• 5:30
  discipline?
• 5:31
  What
• 5:31
  if
• 5:31
  it's
• 5:32
  just
• 5:32
  more
• 5:32
  order?
• 5:33
  What
• 5:33
  if
• 5:33
  you
• 5:33
  don't
• 5:33
  need
• 5:34
  more
• 5:34
  pressure?
• 5:35
  What
• 5:35
  if
• 5:35
  you
• 5:35
  just
• 5:35
  need
• 5:36
  a
• 5:36
  plan
• 5:36
  that
• 5:36
  holds
• 5:36
  you
• 5:37
  up?
• 5:37
  So
• 5:38
  let's
• 5:38
  Start
• 5:38
  by
• 5:38
  acknowledging
• 5:39
  this.
• 5:39
  Automatic
• 5:40
  transfers
• 5:41
  save
• 5:41
  you
• 5:41
  from
• 5:41
  decision
• 5:42
  fatigue.
• 5:42
  We
• 5:42
  all
• 5:43
  have
• 5:43
  this.
• 5:44
  Your
• 5:44
  brain
• 5:44
  makes
• 5:45
  a
• 5:45
  thousand
• 5:45
  decisions
• 5:46
  a
• 5:46
  day.
• 5:46
  Hey,
• 5:46
  sometimes
• 5:47
  it
• 5:47
  feels
• 5:47
  like
• 5:47
  it's
• 5:47
  making
• 5:47
  a
• 5:48
  thousand
• 5:48
  decisions
• 5:48
  a
• 5:49
  minute.
• 5:49
  You've
• 5:50
  got
• 5:50
  work
• 5:50
  decisions,
• 5:51
  just
• 5:51
  family
• 5:52
  decisions.
• 5:52
  What
• 5:52
  are
• 5:52
  we
• 5:52
  going
• 5:52
  to
• 5:53
  have
• 5:53
  for
• 5:53
  dinner?
• 5:53
  Health
• 5:54
  decisions.
• 5:54
  Am
• 5:54
  I
• 5:55
  going
• 5:55
  to
• 5:55
  work
• 5:55
  out
• 5:55
  today?
• 5:56
  And
• 5:56
  those
• 5:56
  big
• 5:57
  life
• 5:57
  decisions.
• 5:58
  And
• 5:58
  by
• 5:59
  the
• 5:59
  time
• 5:59
  you
• 5:59
  get
• 5:59
  to
• 5:59
  savings,
• 6:00
  you're
• 6:00
  worn
• 6:00
  out.
• 6:01
  So
• 6:02
  savings
• 6:02
  becomes
• 6:02
  that
• 6:03
  you
• 6:03
  know
• 6:03
  what
• 6:03
  I'm
• 6:03
  do
• 6:03
  that
• 6:04
  later.
• 6:04
  And
• 6:05
  later
• 6:05
  becomes
• 6:05
  you
• 6:05
  know
• 6:05
  what?
• 6:06
  I
• 6:06
  get
• 6:06
  my
• 6:06
  next
• 6:06
  paycheck.
• 6:07
  That's
• 6:07
  when
• 6:07
  I'll
• 6:07
  do
• 6:07
  it.
• 6:08
  And
• 6:08
  that
• 6:08
  next
• 6:09
  paycheck
• 6:09
  becomes
• 6:10
  someday
• 6:10
  I'm
• 6:10
  going
• 6:11
  to
• 6:11
  save.
• 6:12
  But
• 6:12
  automation
• 6:13
  removes
• 6:14
  the
• 6:14
  debate.
• 6:15
  And
• 6:15
  savings
• 6:16
  happens
• 6:16
  even
• 6:16
  when
• 6:17
  you
• 6:17
  forget,
• 6:18
  even
• 6:18
  when
• 6:18
  you're
• 6:19
  stressed,
• 6:19
  even
• 6:19
  when
• 6:20
  you're
• 6:20
  not
• 6:20
  feeling
• 6:21
  motivated.
• 6:21
  Hey,
• 6:21
  if
• 6:22
  you're
• 6:22
  like
• 6:22
  me,
• 6:22
  I
• 6:23
  have
• 6:23
  days
• 6:23
  when
• 6:23
  I'm
• 6:23
  not
• 6:23
  feeling
• 6:24
  motivated.
• 6:25
  Because,
• 6:25
  see,
• 6:25
  motivation
• 6:26
  is
• 6:26
  emotional.
• 6:27
  But
• 6:27
  automation,
• 6:28
  that's
• 6:29
  truly
• 6:29
  mechanical
• 6:30
  and
• 6:30
  mechanical
• 6:31
  can
• 6:31
  be
• 6:31
  a
• 6:31
  gift
• 6:31
  to
• 6:31
  you.
• 6:32
  So
• 6:32
  I
• 6:32
  recommend
• 6:33
  this
• 6:33
  first,
• 6:33
  pay
• 6:34
  yourself
• 6:34
  first
• 6:35
  before
• 6:35
  you
• 6:36
  ever
• 6:36
  see
• 6:36
  it.
• 6:37
  Most
• 6:37
  people
• 6:37
  save
• 6:38
  what's
• 6:38
  left
• 6:38
  at
• 6:38
  the
• 6:38
  end
• 6:39
  of
• 6:39
  the
• 6:39
  day.
• 6:39
  And
• 6:39
  what's
• 6:40
  left?
• 6:40
  Usually
• 6:40
  goods
• 6:41
  claimed
• 6:41
  by
• 6:41
  something
• 6:41
  that
• 6:42
  shouted
• 6:42
  out
• 6:42
  loud
• 6:42
  to
• 6:43
  you.
• 6:43
  That
• 6:43
  grocery
• 6:43
  run
• 6:44
  that
• 6:44
  costs
• 6:44
  more
• 6:45
  than
• 6:45
  you
• 6:45
  expected,
• 6:45
  or
• 6:45
  that
• 6:46
  bill
• 6:46
  you
• 6:46
  forgot
• 6:47
  was
• 6:47
  on
• 6:47
  autopay,
• 6:48
  oops,
• 6:48
  I
• 6:48
  didn't
• 6:48
  realize
• 6:49
  that
• 6:49
  was
• 6:49
  coming
• 6:49
  out
• 6:49
  this
• 6:50
  week.
• 6:50
  Or
• 6:50
  a
• 6:51
  kid
• 6:51
  expense,
• 6:51
  or
• 6:52
  just
• 6:52
  a
• 6:52
  quick
• 6:52
  order
• 6:52
  online,
• 6:53
  kind
• 6:53
  of
• 6:53
  jump
• 6:53
  over
• 6:54
  to
• 6:54
  Amazon
• 6:54
  right
• 6:54
  quick.
• 6:55
  Not
• 6:55
  because
• 6:56
  you're
• 6:56
  careless,
• 6:57
  but
• 6:57
  because
• 6:57
  checking
• 6:58
  accounts
• 6:58
  are
• 6:58
  designed
• 6:59
  to
• 6:59
  be
• 6:59
  spent
• 6:59
  from.
• 7:00
  That's
• 7:00
  their
• 7:00
  sole
• 7:01
  mission,
• 7:01
  to
• 7:02
  spend
• 7:02
  that
• 7:02
  money.
• 7:03
  So
• 7:04
  here's
• 7:04
  the
• 7:04
  shift
• 7:04
  for
• 7:04
  you.
• 7:05
  If
• 7:05
  you
• 7:05
  want
• 7:05
  savings
• 7:06
  to
• 7:06
  happen,
• 7:07
  it
• 7:07
  can't
• 7:07
  be
• 7:07
  last.
• 7:08
  It
• 7:08
  can't
• 7:08
  be
• 7:08
  at
• 7:09
  the
• 7:09
  end
• 7:09
  of
• 7:09
  the
• 7:09
  line.
• 7:09
  It's
• 7:10
  got
• 7:10
  to
• 7:10
  be
• 7:10
  first.
• 7:11
  And
• 7:11
  it's
• 7:12
  not
• 7:12
  because
• 7:12
  you're
• 7:12
  rich.
• 7:13
  It's
• 7:13
  because
• 7:13
  you're
• 7:14
  wise.
• 7:15
  See,
• 7:15
  pay
• 7:15
  yourself
• 7:16
  first
• 7:16
  means
• 7:16
  this.
• 7:16
  Because
• 7:17
  before
• 7:17
  everything
• 7:17
  else
• 7:18
  takes
• 7:18
  that
• 7:18
  bite,
• 7:19
  I'm
• 7:19
  going
• 7:19
  to
• 7:19
  honor
• 7:20
  the
• 7:20
  future
• 7:20
  God
• 7:21
  is
• 7:21
  building
• 7:21
  in
• 7:22
  me.
• 7:22
  Because
• 7:23
  what
• 7:23
  I've
• 7:23
  learned,
• 7:24
  systems
• 7:24
  beat
• 7:24
  motivation.
• 7:25
  Especially
• 7:26
  on
• 7:26
  those
• 7:26
  hard
• 7:26
  days.
• 7:27
  Think
• 7:27
  about
• 7:27
  it
• 7:27
  like
• 7:28
  this.
• 7:28
  Motivation
• 7:29
  is
• 7:29
  that
• 7:29
  spark.
• 7:30
  And
• 7:30
  sparks
• 7:30
  are
• 7:31
  fantastic,
• 7:32
  but
• 7:32
  they
• 7:32
  don't
• 7:32
  last.
• 7:33
  Some
• 7:34
  days
• 7:34
  you're
• 7:34
  going
• 7:34
  to
• 7:34
  feel
• 7:35
  determined,
• 7:35
  like,
• 7:35
  I
• 7:35
  can
• 7:35
  do
• 7:36
  this.
• 7:36
  Other
• 7:37
  days
• 7:37
  you're
• 7:37
  going
• 7:37
  to
• 7:37
  feel
• 7:38
  drained.
• 7:38
  And
• 7:38
  you're
• 7:39
  just
• 7:39
  trying
• 7:39
  to
• 7:39
  survive.
• 7:41
  And
• 7:41
  if
• 7:41
  your
• 7:41
  plan
• 7:41
  depends
• 7:42
  on
• 7:42
  you
• 7:42
  being
• 7:42
  inspired,
• 7:44
  it's
• 7:44
  not
• 7:44
  going
• 7:44
  to
• 7:44
  survive
• 7:45
  real
• 7:45
  life.
• 7:46
  But
• 7:46
  a
• 7:46
  system
• 7:47
  doesn't
• 7:47
  need
• 7:47
  that
• 7:48
  inspiration.
• 7:49
  A
• 7:49
  system
• 7:49
  is
• 7:49
  steady.
• 7:50
  A
• 7:50
  system
• 7:51
  quietly
• 7:51
  wins
• 7:51
  while
• 7:52
  you
• 7:52
  live
• 7:52
  your
• 7:52
  life.
• 7:53
  And
• 7:54
  let
• 7:54
  me
• 7:54
  tell
• 7:54
  you
• 7:54
  right
• 7:54
  now,
• 7:55
  the
• 7:55
  goal
• 7:55
  isn't
• 7:55
  perfection.
• 7:56
  The
• 7:56
  goal
• 7:57
  is
• 7:57
  just
• 7:57
  consistency.
• 7:58
  Because
• 7:59
  that
• 7:59
  consistency,
• 8:00
  day
• 8:00
  after
• 8:00
  day,
• 8:01
  week
• 8:01
  after
• 8:01
  week,
• 8:02
  paycheck
• 8:03
  after
• 8:03
  paycheck,
• 8:03
  builds
• 8:04
  your
• 8:04
  peace.
• 8:05
  So
• 8:05
  I
• 8:06
  suggest
• 8:06
  you
• 8:06
  start
• 8:07
  small,
• 8:07
  but
• 8:07
  start
• 8:08
  steady.
• 8:08
  Let
• 8:08
  me
• 8:09
  say
• 8:09
  this
• 8:09
  clearly
• 8:09
  to
• 8:09
  you.
• 8:10
  You
• 8:10
  don't
• 8:11
  need
• 8:11
  a
• 8:11
  big
• 8:11
  number
• 8:12
  to
• 8:12
  build
• 8:12
  a
• 8:13
  big
• 8:13
  habit.
• 8:14
  You
• 8:14
  need
• 8:14
  a
• 8:14
  small
• 8:15
  number
• 8:15
  that
• 8:15
  happens
• 8:16
  on
• 8:16
  purpose.
• 8:17
  Because
• 8:17
  your
• 8:18
  first
• 8:18
  goal
• 8:18
  isn't
• 8:18
  wealth.
• 8:19
  Your
• 8:19
  first
• 8:19
  goal
• 8:20
  is
• 8:20
  identity.
• 8:21
  To
• 8:21
  become
• 8:22
  the
• 8:22
  kind
• 8:22
  of
• 8:22
  person
• 8:22
  who
• 8:22
  saves.
• 8:23
  Hey,
• 8:23
  listen,
• 8:23
  even
• 8:24
  if
• 8:24
  it's
• 8:24
  10
• 8:24
  bucks
• 8:25
  or
• 8:25
  20
• 8:25
  bucks,
• 8:26
  even
• 8:26
  if
• 8:26
  it
• 8:27
  starts
• 8:27
  so
• 8:27
  small,
• 8:27
  you
• 8:28
  almost
• 8:28
  feel
• 8:28
  like
• 8:28
  this
• 8:28
  is
• 8:28
  silly.
• 8:29
  But
• 8:29
  it's
• 8:29
  not
• 8:29
  silly,
• 8:30
  it's
• 8:31
  faithful.
• 8:32
  Small
• 8:32
  is
• 8:32
  how
• 8:32
  you
• 8:33
  prove
• 8:33
  to
• 8:33
  yourself,
• 8:34
  I
• 8:34
  can
• 8:34
  do
• 8:35
  this,
• 8:36
  and
• 8:36
  friend,
• 8:37
  you
• 8:37
  can
• 8:37
  do
• 8:37
  this.
• 8:38
  That
• 8:38
  faithfulness
• 8:39
  compounds
• 8:40
  not
• 8:40
  just
• 8:40
  in
• 8:41
  dollars,
• 8:41
  but
• 8:41
  in
• 8:42
  confidence.
• 8:43
  The
• 8:43
  secret
• 8:44
  is
• 8:44
  make
• 8:44
  it
• 8:44
  automatic
• 8:45
  and
• 8:45
  make
• 8:46
  it
• 8:46
  visible.
• 8:46
  Here's
• 8:47
  a
• 8:47
  simple
• 8:47
  trick
• 8:47
  for
• 8:48
  you.
• 8:48
  Move
• 8:48
  the
• 8:48
  money
• 8:49
  before
• 8:49
  you
• 8:49
  can
• 8:49
  even
• 8:50
  spend
• 8:50
  it.
• 8:50
  And
• 8:51
  move
• 8:51
  it
• 8:51
  somewhere.
• 8:51
  You
• 8:51
  don't
• 8:51
  stare
• 8:52
  at
• 8:52
  it
• 8:52
  every
• 8:52
  day.
• 8:53
  Because
• 8:53
  if
• 8:53
  savings
• 8:54
  sits
• 8:54
  next
• 8:54
  to
• 8:54
  your
• 8:54
  checking
• 8:55
  account,
• 8:55
  it
• 8:55
  keeps
• 8:55
  whispering
• 8:56
  this,
• 8:56
  you
• 8:57
  can
• 8:57
  use
• 8:57
  me.
• 8:58
  You
• 8:58
  deserve
• 8:59
  it,
• 8:59
  just
• 8:59
  this
• 9:00
  once.
• 9:00
  But
• 9:01
  if
• 9:01
  it's
• 9:01
  in
• 9:01
  a
• 9:01
  separate
• 9:02
  savings
• 9:02
  account,
• 9:02
  or
• 9:03
  even
• 9:03
  better,
• 9:03
  how
• 9:03
  about
• 9:03
  a
• 9:03
  separate
• 9:04
  bank?
• 9:05
  It
• 9:05
  becomes
• 9:05
  harder
• 9:06
  to
• 9:06
  touch.
• 9:06
  Not
• 9:06
  impossible.
• 9:07
  You
• 9:07
  can
• 9:07
  still
• 9:07
  get
• 9:08
  to
• 9:08
  it.
• 9:08
  Just
• 9:09
  harder
• 9:09
  and
• 9:10
  harder
• 9:10
  is
• 9:10
  helpful.
• 9:11
  And
• 9:11
  you're
• 9:12
  not
• 9:12
  punishing
• 9:12
  yourself.
• 9:13
  You're
• 9:13
  protecting
• 9:14
  yourselves.
• 9:14
  And
• 9:15
  friend,
• 9:15
  you're
• 9:16
  worth
• 9:16
  protecting.
• 9:17
  And
• 9:17
  here's
• 9:17
  the
• 9:18
  best
• 9:18
  part.
• 9:18
  Automation
• 9:19
  protects
• 9:20
  you
• 9:20
  from
• 9:20
  emotional
• 9:21
  spending.
• 9:21
  The
• 9:22
  truth
• 9:22
  is,
• 9:22
  a
• 9:22
  lot
• 9:23
  of
• 9:23
  spending
• 9:23
  isn't
• 9:24
  logical.
• 9:24
  It's
• 9:25
  emotional.
• 9:26
  It's
• 9:26
  that
• 9:26
  tired
• 9:27
  spending,
• 9:27
  that
• 9:28
  stress
• 9:28
  spending.
• 9:28
  I'm
• 9:29
  having
• 9:29
  a
• 9:29
  rough
• 9:29
  day,
• 9:29
  let
• 9:29
  me
• 9:30
  go
• 9:30
  shop
• 9:30
  some.
• 9:31
  It's
• 9:31
  that
• 9:31
  reward
• 9:32
  spending.
• 9:32
  I've
• 9:33
  had
• 9:33
  a
• 9:33
  day
• 9:33
  spending.
• 9:34
  And
• 9:35
  friend,
• 9:35
  we're
• 9:36
  being
• 9:36
  honest
• 9:36
  with
• 9:36
  each
• 9:36
  other.
• 9:37
  You
• 9:37
  and
• 9:37
  I
• 9:37
  have
• 9:38
  both
• 9:38
  been
• 9:38
  there
• 9:38
  from
• 9:38
  time
• 9:39
  to
• 9:39
  time
• 9:39
  and
• 9:40
  see,
• 9:40
  automation
• 9:40
  gets
• 9:41
  savings
• 9:41
  moved
• 9:41
  before
• 9:42
  emotions
• 9:42
  even
• 9:43
  show
• 9:43
  up.
• 9:43
  So
• 9:44
  even
• 9:44
  if
• 9:44
  the
• 9:44
  day
• 9:44
  gets
• 9:45
  heavy,
• 9:45
  your
• 9:46
  future
• 9:46
  is
• 9:46
  still
• 9:46
  being
• 9:47
  funded.
• 9:47
  And
• 9:48
  that's
• 9:48
  not
• 9:48
  just
• 9:48
  financial
• 9:49
  wisdom,
• 9:49
  that's
• 9:50
  peace
• 9:50
  building
• 9:50
  for
• 9:51
  you.
• 9:51
  And
• 9:52
  as
• 9:52
  I
• 9:52
  said
• 9:52
  earlier,
• 9:53
  lazy
• 9:53
  is
• 9:54
  the
• 9:54
  best
• 9:54
  way.
• 9:54
  Now
• 9:55
  a
• 9:55
  lot
• 9:55
  of
• 9:55
  people
• 9:55
  say
• 9:55
  lazy.
• 9:56
  What
• 9:56
  are
• 9:56
  you
• 9:56
  going
• 9:56
  with
• 9:56
  this,
• 9:57
  Ralph?
• 9:57
  I
• 9:58
  mentioned
• 9:58
  lazy
• 9:58
  at
• 9:58
  the
• 9:58
  beginning.
• 9:59
  Some
• 9:59
  people
• 10:00
  hear
• 10:00
  lazy
• 10:00
  and
• 10:00
  they
• 10:00
  think
• 10:01
  careless.
• 10:02
  But
• 10:02
  that
• 10:02
  kind
• 10:02
  of
• 10:02
  lazy
• 10:03
  is
• 10:03
  not
• 10:03
  what
• 10:03
  I'm
• 10:03
  talking
• 10:04
  about.
• 10:04
  You
• 10:05
  stop
• 10:05
  making
• 10:05
  life
• 10:06
  harder
• 10:06
  than
• 10:06
  it
• 10:06
  needs
• 10:06
  to
• 10:07
  be.
• 10:07
  You
• 10:07
  stop
• 10:08
  relying
• 10:08
  on
• 10:08
  willpower,
• 10:09
  and
• 10:09
  you
• 10:09
  build
• 10:10
  something
• 10:11
  dependable.
• 10:12
  Because
• 10:12
  the
• 10:12
  goal
• 10:12
  isn't
• 10:13
  to
• 10:13
  be
• 10:13
  impressive.
• 10:14
  The
• 10:14
  goal
• 10:14
  is
• 10:15
  to
• 10:15
  be
• 10:15
  consistent.
• 10:16
  And
• 10:16
  that
• 10:16
  consistency
• 10:17
  is
• 10:17
  what
• 10:18
  changed
• 10:18
  your
• 10:18
  life.
• 10:19
  Let's
• 10:19
  tie
• 10:19
  this
• 10:19
  into
• 10:20
  scripture.
• 10:20
  Let's
• 10:20
  look
• 10:21
  at
• 10:21
  First
• 10:21
  Corinthians,
• 10:22
  chapter
• 10:22
  14,
• 10:23
  verse.
• 10:23
  Verse
• 10:23
  40.
• 10:24
  But
• 10:24
  everything
• 10:25
  should
• 10:25
  be
• 10:25
  done
• 10:25
  in
• 10:26
  a
• 10:26
  fitting
• 10:26
  and
• 10:26
  orderly
• 10:27
  way.
• 10:28
  Friend,
• 10:28
  God
• 10:29
  is
• 10:29
  not
• 10:29
  the
• 10:29
  author
• 10:29
  of
• 10:30
  chaos.
• 10:31
  Order
• 10:31
  isn't
• 10:32
  cold.
• 10:32
  Order
• 10:32
  is
• 10:33
  kind
• 10:33
  to
• 10:33
  our
• 10:34
  hearts.
• 10:34
  Order
• 10:34
  is
• 10:35
  what
• 10:35
  helps
• 10:35
  you
• 10:35
  stay
• 10:35
  steady
• 10:36
  when
• 10:36
  life
• 10:36
  gets
• 10:37
  loud
• 10:37
  and
• 10:37
  life
• 10:37
  gets
• 10:38
  loud.
• 10:38
  And
• 10:39
  a
• 10:39
  simple
• 10:39
  automatic
• 10:40
  transfer
• 10:40
  can
• 10:41
  lay
• 10:41
  one
• 10:41
  small
• 10:41
  act
• 10:42
  of
• 10:42
  order
• 10:42
  that
• 10:43
  produces
• 10:43
  a
• 10:43
  ton
• 10:44
  of
• 10:44
  peace
• 10:44
  for
• 10:44
  you.
• 10:45
  All
• 10:45
  right,
• 10:45
  here's
• 10:46
  your
• 10:46
  action
• 10:46
  step
• 10:46
  for
• 10:46
  today.
• 10:47
  I
• 10:47
  always
• 10:47
  want
• 10:47
  to
• 10:47
  give
• 10:47
  you
• 10:47
  an
• 10:48
  action
• 10:48
  step.
• 10:48
  Today.
• 10:49
  I
• 10:49
  want
• 10:49
  you
• 10:49
  to
• 10:49
  set
• 10:49
  up
• 10:50
  an
• 10:50
  automatic
• 10:50
  transfer.
• 10:52
  Not
• 10:52
  someday,
• 10:52
  not
• 10:53
  when
• 10:53
  you
• 10:53
  feel
• 10:53
  ready
• 10:54
  today.
• 10:54
  Listen,
• 10:55
  Even
• 10:55
  if
• 10:55
  it's
• 10:55
  $20
• 10:56
  a
• 10:56
  paycheck,
• 10:57
  and
• 10:57
  if
• 10:57
  $20
• 10:58
  feels
• 10:58
  like
• 10:58
  too
• 10:58
  much,
• 10:59
  make
• 10:59
  it
• 10:59
  $10.
• 11:00
  And
• 11:00
  if
• 11:00
  $10
• 11:01
  feels
• 11:01
  like
• 11:01
  too
• 11:01
  much,
• 11:02
  make
• 11:02
  it
• 11:02
  5
• 11:03
  dollars.
• 11:04
  Start
• 11:04
  where
• 11:04
  you
• 11:04
  are,
• 11:05
  but
• 11:05
  just
• 11:06
  start
• 11:06
  right
• 11:06
  there.
• 11:07
  Let's
• 11:08
  pray
• 11:08
  together.
• 11:09
  Lord,
• 11:09
  thank
• 11:10
  you
• 11:10
  for
• 11:10
  the
• 11:10
  order
• 11:10
  and
• 11:11
  structure
• 11:11
  in
• 11:11
  our
• 11:12
  lives.
• 11:12
  Thank
• 11:12
  you
• 11:13
  that
• 11:13
  you
• 11:13
  care
• 11:13
  about
• 11:13
  our
• 11:14
  peace.
• 11:14
  Help
• 11:15
  us
• 11:15
  set
• 11:15
  up
• 11:15
  wise
• 11:16
  systems
• 11:16
  and
• 11:17
  stop
• 11:17
  relying
• 11:17
  only
• 11:18
  on
• 11:18
  willpower.
• 11:19
  Give
• 11:19
  us
• 11:20
  diligence
• 11:20
  to
• 11:20
  stay
• 11:21
  consistent,
• 11:21
  especially
• 11:22
  in
• 11:22
  those
• 11:22
  weeks
• 11:22
  when
• 11:23
  life
• 11:23
  feels
• 11:23
  heavy.
• 11:24
  And
• 11:25
  Lord,
• 11:25
  for
• 11:25
  the
• 11:25
  listener
• 11:26
  who
• 11:26
  feels
• 11:26
  ashamed,
• 11:27
  remind
• 11:28
  them
• 11:28
  right
• 11:28
  now
• 11:29
  they're
• 11:29
  not
• 11:29
  behind
• 11:30
  because
• 11:30
  they're
• 11:30
  broken.
• 11:31
  They're
• 11:31
  learning,
• 11:32
  they're
• 11:32
  growing.
• 11:33
  And
• 11:33
  you're
• 11:34
  with
• 11:34
  them
• 11:34
  in
• 11:34
  the
• 11:34
  journey.
• 11:34
  And
• 11:34
  we
• 11:35
  ask
• 11:35
  this
• 11:35
  in
• 11:35
  Jesus
• 11:36
  name,
• 11:37
  Amen,
• 11:38
  Friend,
• 11:38
  if
• 11:38
  this
• 11:38
  show
• 11:38
  feels
• 11:39
  safe
• 11:39
  to
• 11:39
  you,
• 11:40
  like
• 11:40
  a
• 11:40
  place
• 11:40
  where
• 11:40
  money
• 11:41
  struggles
• 11:41
  don't
• 11:41
  come
• 11:42
  with
• 11:42
  judgment,
• 11:42
  I
• 11:43
  want
• 11:43
  to
• 11:43
  invite
• 11:43
  you
• 11:43
  and
• 11:44
  join
• 11:44
  our
• 11:44
  community.
• 11:44
  Because
• 11:45
  get
• 11:45
  to
• 11:45
  that
• 11:45
  by
• 11:45
  going
• 11:45
  to
• 11:46
  financiallyconfidentchristian.com/join
• 11:49
  again.
• 11:49
  That's
• 11:50
  financiallyconfidentchristian.com/Join.
• 11:53
  That's
• 11:54
  where
• 11:54
  you're
• 11:54
  going
• 11:54
  to
• 11:54
  find
• 11:54
  extra
• 11:55
  encouragement
• 11:55
  and
• 11:56
  some
• 11:56
  practical
• 11:56
  next
• 11:57
  steps
• 11:57
  to
• 11:57
  help
• 11:57
  you
• 11:57
  build
• 11:58
  that
• 11:58
  lasting
• 11:59
  peace.
• 11:59
  And
• 11:59
  friend,
• 12:00
  you
• 12:00
  don't
• 12:00
  have
• 12:00
  to
• 12:00
  do
• 12:00
  this
• 12:01
  alone.
• 12:01
  You
• 12:02
  don't
• 12:02
  need
• 12:02
  more
• 12:02
  pressure.
• 12:03
  You
• 12:04
  need
• 12:04
  a
• 12:04
  plan
• 12:04
  that
• 12:04
  can
• 12:04
  hold
• 12:05
  you
• 12:05
  on
• 12:05
  your
• 12:05
  most
• 12:05
  tired
• 12:06
  days.
• 12:07
  So
• 12:07
  automate
• 12:08
  it,
• 12:08
  simplify
• 12:09
  it,
• 12:09
  let
• 12:10
  order
• 12:10
  carry
• 12:10
  you.
• 12:11
  And
• 12:11
  tomorrow
• 12:11
  we're
• 12:11
  going
• 12:12
  to
• 12:12
  talk
• 12:12
  about
• 12:12
  how
• 12:12
  to
• 12:12
  savor
• 12:13
  those
• 12:13
  big
• 12:13
  goals
• 12:14
  without
• 12:14
  burning
• 12:14
  out.
• 12:15
  And
• 12:15
  friend,
• 12:15
  I
• 12:16
  want
• 12:16
  to
• 12:16
  encourage
• 12:16
  you
• 12:16
  right
• 12:16
  now,
• 12:17
  share
• 12:17
  this
• 12:17
  episode
• 12:18
  with
• 12:18
  someone
• 12:18
  you
• 12:18
  love
• 12:19
  who
• 12:19
  needs
• 12:19
  an
• 12:19
  easy
• 12:20
  start.
• 12:20
  Because
• 12:20
  this
• 12:21
  show
• 12:21
  isn't
• 12:21
  about
• 12:21
  financial
• 12:22
  shame.
• 12:22
  It's
• 12:23
  about
• 12:23
  walking
• 12:23
  in
• 12:23
  wisdom,
• 12:24
  staying
• 12:24
  financially
• 12:25
  savvy,
• 12:26
  and
• 12:26
  truly
• 12:26
  becoming
• 12:27
  a
• 12:27
  financially
• 12:28
  confident
• 12:28
  Christian.
• 12:29
  God
• 12:29
  bless
• 12:29
  you,
• 12:30
  and
• 12:30
  I
• 12:30
  hope
• 12:30
  you
• 12:30
  have
• 12:31
  a
• 12:31
  great
• 12:31
  day
• 12:31
  today.