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How Do I Break Free From The "What If We Owe" Tax Spiral? · Becoming Financially Confident

• 0:37
  Are
• 0:37
  you
• 0:37
  dreading
• 0:38
  tax
• 0:38
  season?
• 0:39
  I
• 0:39
  mean,
• 0:39
  just
• 0:40
  the
• 0:40
  thought
• 0:40
  of
• 0:40
  having
• 0:41
  to
• 0:41
  get
• 0:41
  your
• 0:41
  taxes
• 0:42
  ready
• 0:42
  has
• 0:42
  just
• 0:42
  brought
• 0:42
  on
• 0:43
  a
• 0:43
  ton
• 0:43
  of
• 0:43
  anxiety
• 0:44
  to
• 0:44
  your
• 0:44
  heart
• 0:45
  and
• 0:45
  to
• 0:45
  your
• 0:46
  mind.
• 0:47
  But
• 0:47
  what
• 0:47
  if
• 0:47
  I
• 0:47
  told
• 0:47
  you
• 0:48
  there's
• 0:48
  a
• 0:48
  better
• 0:48
  way?
• 0:49
  And
• 0:49
  on
• 0:50
  today's
• 0:50
  show,
• 0:50
  I'm
• 0:50
  going
• 0:50
  to
• 0:51
  show
• 0:51
  you
• 0:51
  a
• 0:51
  way
• 0:51
  to
• 0:51
  create
• 0:51
  a
• 0:52
  plan
• 0:52
  and
• 0:53
  actually
• 0:53
  live
• 0:53
  in
• 0:53
  real
• 0:54
  peace,
• 0:55
  even
• 0:55
  in
• 0:55
  the
• 0:55
  midst
• 0:56
  of
• 0:56
  tax
• 0:56
  time
• 0:57
  anxiety
• 0:58
  and
• 0:58
  fear.
• 1:20
  Hey,
• 1:21
  friend,
• 1:21
  Ralph
• 1:21
  Estep
• 1:22
  Jr.
• 1:22
  Here.
• 1:22
  Thank
• 1:23
  you
• 1:23
  for
• 1:23
  joining
• 1:23
  me
• 1:23
  today
• 1:23
  on
• 1:24
  Financially
• 1:25
  Confident
• 1:25
  Christian.
• 1:26
  My
• 1:26
  goal
• 1:27
  on
• 1:27
  this
• 1:27
  show
• 1:27
  is
• 1:27
  to
• 1:27
  help
• 1:28
  you
• 1:28
  break
• 1:28
  that
• 1:28
  cycle
• 1:29
  of
• 1:29
  financial
• 1:30
  shame
• 1:30
  and
• 1:30
  really
• 1:31
  find
• 1:31
  confidence
• 1:31
  in
• 1:32
  your
• 1:32
  decisions.
• 1:33
  And
• 1:33
  today's
• 1:34
  topic
• 1:34
  is
• 1:34
  exactly
• 1:35
  that.
• 1:35
  We
• 1:35
  talked
• 1:36
  about
• 1:36
  the
• 1:36
  unexpected
• 1:37
  you
• 1:37
  owe
• 1:37
  and
• 1:38
  the
• 1:38
  unexpected
• 1:38
  refund
• 1:39
  the
• 1:39
  last
• 1:39
  couple
• 1:39
  days.
• 1:40
  But
• 1:40
  now
• 1:41
  we're
• 1:41
  going
• 1:41
  to
• 1:41
  get
• 1:41
  a
• 1:41
  little
• 1:41
  deeper
• 1:42
  and
• 1:42
  we're
• 1:42
  going
• 1:42
  to
• 1:42
  talk
• 1:42
  about
• 1:43
  that
• 1:43
  tax
• 1:43
  anxiety
• 1:44
  and
• 1:45
  how
• 1:45
  to
• 1:45
  end
• 1:45
  that
• 1:46
  fear
• 1:46
  cycle.
• 1:46
  So
• 1:47
  let's
• 1:47
  get
• 1:47
  right
• 1:47
  to
• 1:47
  today's
• 1:48
  listener
• 1:48
  question.
• 1:49
  Ralph,
• 1:50
  this
• 1:50
  time
• 1:51
  of
• 1:51
  year
• 1:51
  creates
• 1:51
  so
• 1:52
  much
• 1:52
  anxiety
• 1:53
  for
• 1:53
  me.
• 1:53
  I'm
• 1:54
  always
• 1:54
  worried
• 1:54
  that
• 1:54
  we're
• 1:55
  going
• 1:55
  to
• 1:55
  owe
• 1:55
  money
• 1:55
  on
• 1:55
  our
• 1:56
  taxes.
• 1:57
  Just
• 1:57
  the
• 1:57
  thought
• 1:57
  of
• 1:58
  even
• 1:58
  getting
• 1:58
  our
• 1:58
  tax
• 1:59
  returns
• 1:59
  done
• 1:59
  makes
• 2:00
  me
• 2:00
  nervous
• 2:00
  and
• 2:01
  concerned.
• 2:02
  Now,
• 2:02
  I
• 2:02
  know
• 2:02
  I
• 2:03
  shouldn't
• 2:03
  feel
• 2:03
  this
• 2:03
  way,
• 2:04
  but
• 2:04
  I
• 2:04
  do.
• 2:05
  How
• 2:06
  can
• 2:06
  I
• 2:06
  find
• 2:06
  peace
• 2:06
  with
• 2:07
  this
• 2:07
  once
• 2:07
  and
• 2:07
  for
• 2:08
  all?
• 2:09
  Well,
• 2:09
  first
• 2:09
  of
• 2:09
  all,
• 2:10
  thank
• 2:10
  you
• 2:10
  for
• 2:10
  sharing
• 2:10
  your
• 2:11
  question.
• 2:11
  It
• 2:11
  reminds
• 2:12
  me,
• 2:12
  I
• 2:12
  bet
• 2:12
  about
• 2:13
  35
• 2:13
  years
• 2:13
  ago
• 2:14
  I
• 2:14
  was
• 2:14
  doing
• 2:14
  tax
• 2:15
  returns.
• 2:15
  I
• 2:15
  was
• 2:15
  actually
• 2:15
  working
• 2:16
  for
• 2:16
  my
• 2:16
  dad's
• 2:16
  company
• 2:17
  at
• 2:17
  the
• 2:17
  time.
• 2:17
  And
• 2:18
  this
• 2:18
  fella
• 2:18
  came
• 2:18
  in
• 2:18
  to
• 2:19
  get
• 2:19
  his
• 2:19
  taxes
• 2:19
  done
• 2:19
  and
• 2:20
  he
• 2:20
  sat
• 2:20
  down
• 2:20
  at
• 2:20
  my
• 2:20
  desk
• 2:21
  and
• 2:22
  he
• 2:22
  said
• 2:22
  to
• 2:22
  me,
• 2:22
  he
• 2:22
  says,
• 2:22
  ralph,
• 2:23
  I
• 2:23
  don't
• 2:24
  know
• 2:24
  that
• 2:24
  you
• 2:24
  understand
• 2:24
  this,
• 2:25
  but
• 2:25
  this
• 2:25
  is,
• 2:25
  this
• 2:25
  is,
• 2:26
  this
• 2:26
  is
• 2:26
  such
• 2:26
  a
• 2:26
  huge
• 2:27
  anxiety
• 2:27
  thing
• 2:27
  for
• 2:28
  me.
• 2:28
  He
• 2:28
  said,
• 2:29
  in
• 2:29
  fact,
• 2:29
  I
• 2:29
  haven't
• 2:30
  filed
• 2:30
  tax
• 2:30
  returns
• 2:31
  in
• 2:31
  10
• 2:31
  years.
• 2:32
  And
• 2:32
  I
• 2:33
  said
• 2:33
  to
• 2:33
  him,
• 2:33
  well,
• 2:33
  what's
• 2:33
  going
• 2:33
  on?
• 2:34
  He
• 2:34
  goes,
• 2:34
  no,
• 2:34
  you
• 2:34
  don't
• 2:34
  understand.
• 2:35
  Like
• 2:35
  physically,
• 2:36
  Ralph,
• 2:36
  this
• 2:36
  makes
• 2:37
  me
• 2:37
  ill.
• 2:37
  Now,
• 2:38
  I
• 2:38
  won't
• 2:38
  tell
• 2:38
  you
• 2:38
  the
• 2:38
  whole
• 2:39
  story,
• 2:39
  but
• 2:39
  ended
• 2:39
  up
• 2:40
  he
• 2:40
  had
• 2:40
  a
• 2:40
  documented
• 2:41
  illness
• 2:42
  where
• 2:42
  he
• 2:43
  had
• 2:43
  this
• 2:43
  anxiety.
• 2:44
  Now,
• 2:44
  it
• 2:44
  may
• 2:44
  not
• 2:45
  be
• 2:45
  what
• 2:45
  you
• 2:45
  are
• 2:45
  suffering
• 2:46
  from
• 2:46
  today,
• 2:47
  but
• 2:47
  today
• 2:47
  I
• 2:48
  want
• 2:48
  to
• 2:48
  help
• 2:48
  you
• 2:48
  find
• 2:49
  peace.
• 2:49
  Because
• 2:49
  when
• 2:50
  you
• 2:50
  fear
• 2:50
  something,
• 2:51
  it's
• 2:52
  usually
• 2:52
  because
• 2:52
  you
• 2:52
  don't
• 2:53
  have
• 2:53
  a
• 2:53
  plan.
• 2:53
  You
• 2:53
  don't
• 2:54
  know
• 2:54
  what
• 2:54
  it
• 2:54
  is.
• 2:54
  So
• 2:55
  today,
• 2:55
  my
• 2:55
  big
• 2:55
  overarching
• 2:56
  goal
• 2:57
  is
• 2:57
  to
• 2:57
  help
• 2:57
  you
• 2:58
  build
• 2:58
  a
• 2:58
  simple
• 2:58
  plan
• 2:59
  that
• 2:59
  you
• 2:59
  can
• 2:59
  name
• 3:00
  it.
• 3:00
  Which
• 3:00
  leads
• 3:00
  me
• 3:00
  to
• 3:01
  the
• 3:01
  first
• 3:01
  thing
• 3:01
  we've
• 3:01
  got
• 3:01
  to
• 3:02
  do.
• 3:02
  We've
• 3:03
  got
• 3:03
  to
• 3:03
  name
• 3:04
  the
• 3:04
  fear.
• 3:04
  Now,
• 3:04
  this
• 3:05
  isn't
• 3:05
  a
• 3:05
  time
• 3:05
  to
• 3:05
  judge
• 3:06
  yourself
• 3:07
  most
• 3:08
  of
• 3:08
  the
• 3:08
  time
• 3:08
  when
• 3:08
  it
• 3:08
  comes
• 3:08
  to
• 3:09
  taxes.
• 3:09
  This
• 3:10
  is
• 3:10
  the
• 3:10
  situation
• 3:11
  and
• 3:11
  you
• 3:11
  can
• 3:11
  say
• 3:12
  this
• 3:12
  plainly.
• 3:13
  I'm
• 3:13
  afraid
• 3:14
  we're
• 3:14
  going
• 3:14
  to
• 3:14
  owe
• 3:15
  and
• 3:15
  I
• 3:16
  won't
• 3:16
  know
• 3:16
  what
• 3:16
  to
• 3:16
  do.
• 3:18
  That
• 3:18
  is
• 3:18
  probably
• 3:19
  90%
• 3:19
  of
• 3:19
  the
• 3:19
  situation
• 3:20
  that
• 3:20
  most
• 3:21
  people
• 3:21
  tell
• 3:21
  me
• 3:22
  who
• 3:22
  have
• 3:22
  tax
• 3:22
  anxiety.
• 3:23
  They
• 3:23
  just
• 3:23
  don't
• 3:24
  know.
• 3:24
  They're
• 3:24
  afraid.
• 3:25
  Maybe
• 3:25
  they're
• 3:25
  scrimping
• 3:26
  and
• 3:26
  saving.
• 3:26
  They're
• 3:27
  living
• 3:27
  paycheck
• 3:27
  to
• 3:27
  paycheck.
• 3:28
  So
• 3:28
  many
• 3:29
  of
• 3:29
  us
• 3:29
  are
• 3:29
  in
• 3:29
  that
• 3:29
  situation,
• 3:31
  and
• 3:31
  so
• 3:31
  many
• 3:31
  of
• 3:31
  us,
• 3:32
  we
• 3:32
  have
• 3:32
  this
• 3:32
  fear
• 3:33
  because
• 3:34
  we
• 3:34
  don't
• 3:34
  know
• 3:34
  what
• 3:35
  to
• 3:35
  expect.
• 3:36
  So
• 3:36
  here's
• 3:37
  the
• 3:37
  first
• 3:37
  thing
• 3:37
  I
• 3:37
  want
• 3:37
  to
• 3:37
  encourage
• 3:38
  you
• 3:38
  to
• 3:38
  do.
• 3:39
  Replace
• 3:40
  that
• 3:40
  fear
• 3:40
  with,
• 3:41
  I
• 3:41
  shouldn't
• 3:42
  feel
• 3:42
  this.
• 3:43
  Stop
• 3:44
  saying
• 3:44
  that.
• 3:45
  It's
• 3:45
  okay
• 3:45
  to
• 3:46
  feel
• 3:46
  this.
• 3:47
  Replace
• 3:48
  that
• 3:48
  with,
• 3:48
  this
• 3:49
  is
• 3:49
  real.
• 3:49
  This
• 3:50
  is
• 3:50
  real
• 3:50
  fear.
• 3:51
  This
• 3:51
  is
• 3:51
  real
• 3:51
  anxiety.
• 3:52
  This
• 3:52
  is
• 3:53
  real
• 3:53
  concern.
• 3:54
  But
• 3:55
  I
• 3:55
  can
• 3:55
  handle
• 3:55
  it
• 3:56
  because
• 3:56
  see
• 3:57
  the
• 3:57
  difference
• 3:57
  there?
• 3:58
  It's
• 3:58
  one
• 3:58
  thing
• 3:58
  to
• 3:58
  have
• 3:59
  a
• 3:59
  fear
• 3:59
  and
• 4:00
  not
• 4:00
  let
• 4:00
  that
• 4:00
  allow
• 4:01
  you
• 4:01
  to
• 4:01
  function.
• 4:02
  It's
• 4:03
  another
• 4:03
  to
• 4:04
  say,
• 4:04
  you
• 4:04
  know
• 4:04
  what?
• 4:04
  This
• 4:04
  is
• 4:05
  real.
• 4:05
  This
• 4:05
  is
• 4:05
  a
• 4:05
  real
• 4:05
  fear.
• 4:06
  This
• 4:06
  fellow
• 4:06
  that
• 4:06
  was
• 4:07
  sitting
• 4:07
  at
• 4:07
  my
• 4:07
  desk,
• 4:07
  let
• 4:08
  me
• 4:08
  tell
• 4:08
  you
• 4:08
  right
• 4:08
  now,
• 4:09
  this
• 4:09
  was
• 4:09
  a
• 4:09
  real
• 4:09
  fear.
• 4:10
  I
• 4:10
  could
• 4:10
  see
• 4:10
  it
• 4:11
  in
• 4:11
  his
• 4:11
  face.
• 4:11
  He
• 4:11
  was
• 4:12
  clenched
• 4:12
  up,
• 4:12
  his
• 4:12
  eyes.
• 4:13
  I,
• 4:13
  I
• 4:13
  could
• 4:13
  see
• 4:14
  it.
• 4:15
  But
• 4:15
  I
• 4:15
  said
• 4:15
  to
• 4:15
  him,
• 4:16
  so
• 4:16
  I
• 4:16
  said
• 4:16
  to
• 4:16
  him
• 4:16
  across
• 4:16
  the
• 4:17
  desk,
• 4:17
  I
• 4:17
  said,
• 4:18
  we
• 4:18
  can
• 4:18
  handle
• 4:18
  this.
• 4:20
  So
• 4:20
  let's
• 4:20
  get
• 4:20
  to
• 4:20
  the
• 4:21
  second
• 4:21
  thing.
• 4:22
  We've
• 4:22
  got
• 4:22
  to
• 4:22
  turn
• 4:23
  that
• 4:23
  O
• 4:23
  into
• 4:24
  a
• 4:24
  number.
• 4:25
  When
• 4:25
  you
• 4:26
  just
• 4:26
  say,
• 4:26
  hey,
• 4:27
  we
• 4:27
  might
• 4:27
  owe.
• 4:28
  Oh,
• 4:29
  to
• 4:29
  me,
• 4:29
  doesn't
• 4:30
  mean
• 4:30
  much.
• 4:30
  I've
• 4:31
  got
• 4:31
  clients
• 4:31
  that
• 4:31
  owe
• 4:31
  tens
• 4:32
  of
• 4:32
  thousands
• 4:32
  of
• 4:32
  dollars
• 4:33
  when
• 4:33
  we
• 4:33
  file
• 4:33
  their
• 4:33
  tax
• 4:34
  returns
• 4:34
  for
• 4:35
  them.
• 4:35
  Hey,
• 4:35
  they're
• 4:35
  expecting
• 4:36
  it.
• 4:36
  They
• 4:36
  know
• 4:37
  what's
• 4:37
  going
• 4:37
  on.
• 4:37
  So
• 4:38
  that's
• 4:38
  what
• 4:38
  we
• 4:38
  need
• 4:38
  to
• 4:38
  figure
• 4:39
  out.
• 4:39
  This
• 4:39
  is
• 4:39
  the
• 4:39
  time
• 4:40
  to
• 4:40
  get
• 4:40
  an
• 4:40
  estimate.
• 4:41
  Look
• 4:41
  at
• 4:42
  last
• 4:42
  year's
• 4:42
  tax
• 4:42
  return,
• 4:43
  look
• 4:43
  at
• 4:44
  this
• 4:44
  year's
• 4:44
  pay
• 4:44
  stubs
• 4:45
  and
• 4:45
  income,
• 4:45
  and
• 4:45
  just
• 4:46
  say
• 4:46
  to
• 4:46
  yourself,
• 4:46
  if
• 4:47
  you
• 4:47
  listen
• 4:47
  to
• 4:47
  the
• 4:47
  show
• 4:47
  the
• 4:47
  other
• 4:48
  day,
• 4:48
  I
• 4:48
  said,
• 4:48
  one
• 4:49
  of
• 4:49
  the
• 4:49
  things
• 4:49
  that
• 4:49
  usually
• 4:50
  affects
• 4:50
  your
• 4:51
  tax
• 4:51
  refund
• 4:51
  or
• 4:52
  if
• 4:52
  you
• 4:52
  owe
• 4:52
  is
• 4:52
  your
• 4:53
  income.
• 4:53
  Well,
• 4:54
  if
• 4:54
  your
• 4:54
  income
• 4:54
  changed,
• 4:55
  do
• 4:56
  an
• 4:56
  estimate.
• 4:57
  One
• 4:57
  of
• 4:57
  the
• 4:57
  things
• 4:57
  that
• 4:57
  I
• 4:58
  think
• 4:58
  is
• 4:58
  a
• 4:58
  great
• 4:59
  idea
• 4:59
  to
• 4:59
  do,
• 4:59
  and
• 4:59
  I
• 4:59
  encourage
• 5:00
  my
• 5:00
  clients
• 5:00
  to
• 5:00
  do
• 5:01
  this,
• 5:01
  it's
• 5:01
  one
• 5:02
  thing
• 5:02
  to
• 5:02
  do
• 5:02
  tax
• 5:02
  returns
• 5:03
  at
• 5:03
  the
• 5:03
  end
• 5:03
  of
• 5:03
  the
• 5:04
  year.
• 5:04
  Now
• 5:04
  we're
• 5:04
  in
• 5:04
  tax
• 5:05
  season
• 5:05
  right
• 5:05
  now.
• 5:05
  If
• 5:06
  you're
• 5:06
  watching
• 5:06
  this
• 5:06
  when
• 5:07
  on
• 5:07
  the
• 5:07
  scheduled
• 5:07
  day
• 5:07
  it's
• 5:08
  coming
• 5:08
  out,
• 5:08
  we
• 5:08
  are
• 5:08
  in
• 5:09
  the
• 5:09
  midst
• 5:09
  of
• 5:09
  tax
• 5:10
  time.
• 5:10
  But
• 5:10
  one
• 5:11
  of
• 5:11
  the
• 5:11
  things
• 5:11
  that
• 5:11
  I
• 5:11
  tell
• 5:12
  clients
• 5:12
  almost
• 5:13
  every
• 5:13
  day
• 5:14
  is,
• 5:14
  let's
• 5:15
  have
• 5:15
  a
• 5:15
  meeting
• 5:15
  in
• 5:15
  the
• 5:15
  fall.
• 5:16
  Let's
• 5:16
  have
• 5:16
  a
• 5:16
  meeting
• 5:17
  in
• 5:17
  the
• 5:17
  early
• 5:17
  fall,
• 5:18
  September,
• 5:19
  October,
• 5:19
  and
• 5:20
  let's
• 5:20
  see
• 5:20
  what
• 5:20
  things
• 5:21
  look
• 5:21
  like
• 5:21
  if
• 5:22
  you're
• 5:22
  one
• 5:22
  of
• 5:22
  those
• 5:22
  people
• 5:22
  that's
• 5:23
  had
• 5:23
  a
• 5:23
  major
• 5:24
  life
• 5:24
  change
• 5:25
  or
• 5:25
  a
• 5:25
  job
• 5:25
  change,
• 5:26
  this
• 5:26
  is
• 5:27
  a
• 5:27
  great
• 5:27
  idea
• 5:27
  because
• 5:28
  then
• 5:28
  you
• 5:28
  can
• 5:28
  reduce
• 5:28
  that
• 5:29
  fear.
• 5:29
  There
• 5:29
  are
• 5:30
  a
• 5:30
  lot
• 5:30
  of
• 5:30
  clients
• 5:30
  that
• 5:30
  I
• 5:31
  meet
• 5:31
  with
• 5:31
  throughout
• 5:32
  the
• 5:32
  year
• 5:32
  where
• 5:32
  we're
• 5:32
  taking
• 5:32
  a
• 5:32
  look
• 5:33
  at
• 5:33
  where
• 5:33
  things
• 5:33
  are,
• 5:33
  what
• 5:34
  I
• 5:34
  call
• 5:34
  a
• 5:34
  snapshot.
• 5:35
  Where
• 5:35
  are
• 5:36
  we?
• 5:36
  We're
• 5:36
  not
• 5:36
  looking
• 5:36
  for
• 5:37
  perfection,
• 5:38
  but
• 5:38
  they
• 5:38
  might
• 5:38
  say
• 5:38
  to
• 5:38
  me,
• 5:39
  listen,
• 5:39
  Ralph,
• 5:39
  I
• 5:40
  can
• 5:40
  afford
• 5:40
  to
• 5:40
  owe
• 5:40
  about
• 5:41
  $1,000,
• 5:41
  but
• 5:42
  if
• 5:42
  it's
• 5:42
  more
• 5:42
  than
• 5:42
  that,
• 5:43
  I've
• 5:43
  got
• 5:43
  to
• 5:43
  make
• 5:43
  some
• 5:43
  changes.
• 5:44
  Well,
• 5:44
  if
• 5:44
  you
• 5:44
  wait
• 5:45
  till
• 5:45
  the
• 5:45
  end
• 5:45
  of
• 5:45
  the
• 5:46
  year,
• 5:46
  you
• 5:46
  can't
• 5:47
  make
• 5:47
  those
• 5:47
  changes.
• 5:48
  So
• 5:48
  that's
• 5:48
  one
• 5:48
  of
• 5:48
  the
• 5:48
  things,
• 5:48
  you
• 5:49
  know,
• 5:49
  put
• 5:49
  a
• 5:49
  number
• 5:50
  there.
• 5:51
  Next
• 5:51
  thing
• 5:51
  I'm
• 5:51
  going
• 5:51
  to
• 5:52
  encourage
• 5:52
  you
• 5:52
  to
• 5:52
  do,
• 5:52
  make
• 5:53
  a
• 5:53
  simple
• 5:53
  if
• 5:54
  we
• 5:54
  owe
• 5:54
  plan.
• 5:55
  It's
• 5:55
  going
• 5:56
  to
• 5:56
  happen.
• 5:56
  Sometimes
• 5:57
  it
• 5:57
  happens
• 5:57
  to
• 5:57
  the
• 5:57
  best
• 5:58
  of
• 5:58
  us.
• 5:58
  I
• 5:58
  remember
• 5:59
  I've
• 5:59
  talked
• 5:59
  about
• 5:59
  this
• 6:00
  on
• 6:00
  the
• 6:00
  show.
• 6:00
  The
• 6:00
  other
• 6:00
  day
• 6:01
  when
• 6:01
  I
• 6:01
  filed
• 6:01
  my
• 6:02
  first
• 6:02
  tax
• 6:02
  return,
• 6:02
  I
• 6:03
  owed
• 6:03
  money.
• 6:03
  I
• 6:03
  wasn't
• 6:04
  expecting
• 6:04
  it.
• 6:05
  But
• 6:05
  this
• 6:06
  is
• 6:06
  the
• 6:06
  time
• 6:06
  to
• 6:06
  have
• 6:06
  that
• 6:07
  plan
• 6:07
  that
• 6:08
  if
• 6:08
  we
• 6:08
  owe,
• 6:09
  decide
• 6:10
  how
• 6:11
  much
• 6:11
  can
• 6:11
  you
• 6:11
  pay
• 6:12
  on
• 6:12
  filing
• 6:12
  day?
• 6:13
  How
• 6:13
  much
• 6:13
  is
• 6:13
  in
• 6:13
  that
• 6:13
  tax
• 6:14
  buffer?
• 6:14
  We
• 6:14
  talked
• 6:14
  about
• 6:15
  that
• 6:15
  the
• 6:15
  other
• 6:15
  day.
• 6:15
  If
• 6:15
  you
• 6:15
  missed
• 6:16
  that
• 6:16
  show,
• 6:16
  go
• 6:16
  check
• 6:16
  it
• 6:17
  out.
• 6:17
  We
• 6:17
  talked
• 6:17
  about
• 6:17
  building
• 6:18
  that
• 6:18
  tax
• 6:18
  buffer,
• 6:19
  and
• 6:19
  if
• 6:20
  you
• 6:20
  can't
• 6:20
  pay
• 6:20
  it
• 6:20
  all
• 6:20
  at
• 6:21
  once,
• 6:21
  you
• 6:22
  file
• 6:22
  anyway.
• 6:22
  A
• 6:23
  lot
• 6:23
  of
• 6:23
  people
• 6:23
  fear
• 6:24
  their
• 6:24
  taxes
• 6:24
  because
• 6:25
  a
• 6:25
  lot
• 6:25
  of
• 6:25
  people
• 6:25
  know
• 6:25
  I'm
• 6:26
  going
• 6:26
  to
• 6:26
  owe
• 6:26
  again.
• 6:27
  They
• 6:27
  know
• 6:27
  something
• 6:28
  changed,
• 6:28
  and
• 6:29
  so
• 6:29
  what
• 6:29
  they
• 6:29
  do
• 6:29
  is
• 6:29
  they
• 6:30
  get
• 6:30
  stuck
• 6:30
  in
• 6:30
  this
• 6:31
  state
• 6:31
  of
• 6:31
  paralysis.
• 6:32
  He
• 6:32
  don't
• 6:32
  do
• 6:32
  anything.
• 6:33
  Well,
• 6:33
  here's
• 6:34
  the
• 6:34
  problem
• 6:34
  with
• 6:34
  that
• 6:34
  logic.
• 6:35
  Your
• 6:35
  taxes
• 6:36
  are
• 6:36
  due
• 6:37
  by
• 6:37
  April
• 6:37
  15th.
• 6:38
  Whether
• 6:38
  you
• 6:38
  owe
• 6:39
  or
• 6:39
  you
• 6:39
  don't
• 6:39
  owe,
• 6:40
  guess
• 6:40
  what?
• 6:40
  You
• 6:41
  still
• 6:41
  need
• 6:41
  to
• 6:42
  pay
• 6:42
  them
• 6:42
  and
• 6:42
  file
• 6:42
  them.
• 6:43
  The
• 6:43
  thing
• 6:43
  I
• 6:43
  tell
• 6:43
  clients
• 6:44
  all
• 6:44
  the
• 6:44
  time
• 6:44
  is,
• 6:45
  file
• 6:45
  your
• 6:45
  returns.
• 6:46
  Let's
• 6:46
  draw
• 6:46
  that
• 6:47
  line
• 6:47
  in
• 6:47
  the
• 6:47
  sand.
• 6:47
  Even
• 6:48
  if
• 6:48
  you
• 6:48
  owe,
• 6:49
  I
• 6:49
  get
• 6:49
  it.
• 6:49
  If
• 6:50
  you
• 6:50
  owe,
• 6:50
  we'll
• 6:51
  set
• 6:51
  up
• 6:51
  a
• 6:51
  payment
• 6:51
  plan.
• 6:52
  We'll
• 6:52
  adjust
• 6:52
  our
• 6:53
  withholding.
• 6:53
  We'll
• 6:53
  do
• 6:53
  those
• 6:53
  things
• 6:54
  I
• 6:54
  talked
• 6:54
  about
• 6:54
  the
• 6:54
  other
• 6:55
  day.
• 6:55
  But
• 6:55
  just
• 6:55
  don't
• 6:56
  live
• 6:56
  in
• 6:56
  that
• 6:56
  paralysis
• 6:57
  of
• 6:57
  that
• 6:57
  fear
• 6:58
  and
• 6:58
  say,
• 6:58
  well,
• 6:58
  I'm
• 6:58
  just
• 6:59
  not
• 6:59
  going
• 6:59
  to
• 6:59
  file
• 6:59
  at
• 7:00
  all.
• 7:00
  Just
• 7:00
  going
• 7:00
  to
• 7:01
  pretend
• 7:01
  like
• 7:01
  it's
• 7:01
  going
• 7:01
  to
• 7:01
  go
• 7:01
  away.
• 7:02
  That's
• 7:02
  what
• 7:02
  that
• 7:02
  client
• 7:03
  did
• 7:03
  with
• 7:03
  me
• 7:03
  for
• 7:04
  year
• 7:04
  upon
• 7:05
  year.
• 7:05
  And
• 7:05
  then
• 7:06
  the
• 7:06
  problem
• 7:06
  is
• 7:06
  it
• 7:06
  just
• 7:06
  festers.
• 7:07
  It's
• 7:07
  like
• 7:07
  that
• 7:07
  sore
• 7:08
  that
• 7:08
  just
• 7:08
  won't
• 7:08
  heal.
• 7:09
  It
• 7:09
  just
• 7:09
  keeps
• 7:10
  on
• 7:10
  getting
• 7:10
  harder
• 7:11
  and
• 7:11
  stronger
• 7:11
  and
• 7:11
  harder
• 7:12
  and
• 7:12
  stronger.
• 7:12
  But
• 7:13
  this
• 7:13
  is
• 7:13
  the
• 7:13
  time
• 7:13
  to
• 7:14
  fix
• 7:14
  that.
• 7:15
  And
• 7:15
  then
• 7:15
  you've
• 7:15
  really
• 7:15
  got
• 7:16
  to
• 7:16
  move
• 7:16
  into
• 7:16
  the
• 7:16
  next
• 7:16
  stage
• 7:17
  of
• 7:17
  this.
• 7:17
  You've
• 7:18
  got
• 7:18
  to
• 7:18
  remove
• 7:19
  that
• 7:19
  trigger.
• 7:19
  And
• 7:19
  I
• 7:19
  talked
• 7:20
  about
• 7:20
  this
• 7:20
  a
• 7:20
  little
• 7:20
  while
• 7:21
  ago.
• 7:21
  This
• 7:21
  is
• 7:22
  a
• 7:22
  time
• 7:22
  to
• 7:22
  schedule
• 7:23
  that,
• 7:23
  that
• 7:23
  tax
• 7:23
  appointment
• 7:24
  where
• 7:24
  you
• 7:25
  can
• 7:25
  go
• 7:25
  and
• 7:25
  say,
• 7:25
  can
• 7:26
  I
• 7:26
  prep
• 7:26
  this?
• 7:27
  Take
• 7:27
  a
• 7:27
  look
• 7:27
  at
• 7:28
  this
• 7:28
  thing
• 7:28
  first.
• 7:28
  And
• 7:28
  maybe
• 7:29
  right
• 7:29
  now
• 7:29
  you're
• 7:29
  thinking,
• 7:29
  you
• 7:30
  know
• 7:30
  what,
• 7:30
  Ralph?
• 7:30
  Here's
• 7:31
  what
• 7:31
  I
• 7:31
  can
• 7:31
  do.
• 7:31
  I'm
• 7:31
  going
• 7:32
  to
• 7:32
  go
• 7:32
  pull
• 7:32
  all
• 7:32
  my
• 7:32
  tax
• 7:32
  stuff
• 7:33
  out.
• 7:33
  I'm
• 7:33
  going
• 7:33
  to
• 7:33
  gather
• 7:34
  my
• 7:34
  basics,
• 7:34
  my
• 7:34
  W2s
• 7:35
  and
• 7:36
  1099s,
• 7:36
  way
• 7:37
  to
• 7:37
  copy
• 7:37
  my
• 7:37
  last
• 7:37
  year's
• 7:38
  return,
• 7:39
  get
• 7:39
  my
• 7:39
  ID,
• 7:39
  all
• 7:40
  the
• 7:40
  major
• 7:40
  deductions,
• 7:41
  and
• 7:41
  I'm
• 7:41
  just
• 7:42
  going
• 7:42
  to
• 7:42
  kind
• 7:42
  of
• 7:42
  throw
• 7:42
  it
• 7:42
  into
• 7:43
  the
• 7:43
  software
• 7:43
  and
• 7:44
  see
• 7:44
  where
• 7:44
  I
• 7:44
  land.
• 7:45
  The
• 7:45
  earlier
• 7:45
  you
• 7:46
  do
• 7:46
  that,
• 7:46
  the
• 7:46
  better,
• 7:47
  because
• 7:47
  let's
• 7:47
  say
• 7:47
  it's
• 7:48
  March,
• 7:48
  let's
• 7:48
  say
• 7:48
  you're
• 7:49
  listening
• 7:49
  to
• 7:49
  this
• 7:49
  as
• 7:49
  it
• 7:49
  comes
• 7:50
  out
• 7:50
  and
• 7:50
  you
• 7:51
  do
• 7:51
  your,
• 7:51
  what
• 7:51
  I'll
• 7:51
  call
• 7:52
  your
• 7:52
  draft
• 7:52
  tax
• 7:53
  return.
• 7:53
  You
• 7:53
  go,
• 7:53
  oh,
• 7:54
  man,
• 7:54
  I
• 7:54
  do
• 7:54
  owe
• 7:54
  some,
• 7:55
  some
• 7:55
  money.
• 7:55
  Well,
• 7:56
  here's
• 7:56
  the
• 7:56
  thing.
• 7:56
  If
• 7:56
  you
• 7:56
  know
• 7:56
  that,
• 7:57
  then
• 7:57
  you've
• 7:57
  got
• 7:57
  between
• 7:58
  now
• 7:58
  and
• 7:58
  April
• 7:59
  15th
• 7:59
  to
• 7:59
  do
• 8:00
  something
• 8:00
  about
• 8:00
  it.
• 8:00
  You
• 8:01
  can
• 8:01
  start
• 8:01
  to
• 8:01
  save
• 8:02
  a
• 8:02
  little
• 8:02
  money,
• 8:02
  maybe
• 8:02
  look
• 8:03
  for
• 8:03
  some
• 8:03
  other
• 8:03
  deductions,
• 8:04
  maybe
• 8:04
  take
• 8:05
  it
• 8:05
  to
• 8:05
  a
• 8:05
  tax
• 8:05
  professional
• 8:06
  and
• 8:06
  say,
• 8:06
  listen,
• 8:06
  I
• 8:07
  did
• 8:07
  this
• 8:07
  myself.
• 8:07
  I
• 8:08
  do
• 8:08
  a
• 8:08
  lot
• 8:08
  of
• 8:08
  these
• 8:08
  returns
• 8:09
  every
• 8:09
  year
• 8:09
  work.
• 8:09
  Somebody
• 8:10
  will
• 8:10
  go
• 8:10
  and
• 8:10
  do
• 8:10
  it
• 8:10
  themselves
• 8:11
  and
• 8:11
  they'll
• 8:11
  come
• 8:11
  in
• 8:11
  and
• 8:12
  say,
• 8:12
  ralph,
• 8:12
  listen,
• 8:12
  I
• 8:12
  did
• 8:12
  my
• 8:12
  return
• 8:13
  myself,
• 8:13
  but
• 8:13
  man,
• 8:13
  I
• 8:14
  can't
• 8:14
  owe
• 8:14
  this.
• 8:14
  Is
• 8:14
  this
• 8:15
  right?
• 8:16
  Unfortunately,
• 8:17
  a
• 8:17
  lot
• 8:17
  of
• 8:17
  times
• 8:17
  it
• 8:18
  is
• 8:18
  right.
• 8:19
  But
• 8:19
  maybe
• 8:19
  I
• 8:19
  can
• 8:19
  help
• 8:20
  them
• 8:20
  fix
• 8:20
  it
• 8:21
  for
• 8:21
  the
• 8:21
  future.
• 8:22
  Because
• 8:22
  when
• 8:22
  you
• 8:22
  have
• 8:22
  that
• 8:23
  momentum,
• 8:23
  it
• 8:24
  breaks
• 8:24
  that
• 8:24
  dread.
• 8:25
  That
• 8:25
  one
• 8:25
  small
• 8:25
  step
• 8:26
  can
• 8:26
  break
• 8:27
  that
• 8:27
  spiral.
• 8:28
  And
• 8:29
  another
• 8:29
  thing
• 8:29
  I'm
• 8:29
  going
• 8:29
  to
• 8:29
  encourage
• 8:29
  you
• 8:30
  to
• 8:30
  do
• 8:30
  is
• 8:30
  prevent
• 8:31
  the
• 8:31
  repeat.
• 8:32
  This
• 8:32
  is
• 8:32
  what
• 8:32
  a
• 8:33
  lot
• 8:33
  of
• 8:33
  people
• 8:33
  say,
• 8:33
  you
• 8:33
  know,
• 8:33
  I
• 8:34
  file
• 8:34
  my
• 8:34
  returns
• 8:34
  at
• 8:35
  every
• 8:35
  year
• 8:35
  I
• 8:35
  owe.
• 8:35
  Well,
• 8:35
  guess
• 8:36
  what?
• 8:36
  If
• 8:36
  you
• 8:36
  owe
• 8:36
  every
• 8:36
  year,
• 8:37
  the
• 8:38
  system
• 8:38
  is
• 8:38
  broken.
• 8:39
  Your
• 8:40
  system
• 8:40
  is
• 8:40
  not
• 8:40
  working.
• 8:41
  You
• 8:42
  got
• 8:42
  to
• 8:42
  change
• 8:42
  the
• 8:43
  system.
• 8:44
  I've
• 8:44
  talked
• 8:44
  about
• 8:45
  ways
• 8:45
  to
• 8:45
  do
• 8:45
  that.
• 8:45
  Adjust
• 8:46
  your
• 8:46
  withholding,
• 8:47
  make
• 8:47
  some
• 8:47
  estimated
• 8:48
  tax
• 8:48
  payments
• 8:49
  throughout
• 8:49
  the
• 8:49
  year.
• 8:49
  And
• 8:49
  these
• 8:49
  don't
• 8:49
  have
• 8:50
  to
• 8:50
  be
• 8:50
  big
• 8:50
  numbers.
• 8:51
  They
• 8:51
  can
• 8:51
  be
• 8:52
  little,
• 8:52
  small,
• 8:52
  what
• 8:53
  I
• 8:53
  call
• 8:53
  doable
• 8:53
  amounts.
• 8:55
  Create
• 8:55
  that
• 8:55
  tax
• 8:55
  buffer
• 8:56
  savings
• 8:56
  line
• 8:56
  that
• 8:57
  we
• 8:57
  Talked
• 8:57
  about.
• 8:57
  Put
• 8:57
  $25
• 8:58
  or
• 8:59
  $50
• 9:00
  from
• 9:00
  every
• 9:00
  paycheck
• 9:01
  because
• 9:02
  peace
• 9:02
  will
• 9:02
  grow
• 9:03
  when
• 9:03
  the
• 9:03
  future
• 9:04
  has
• 9:04
  padding.
• 9:05
  And
• 9:05
  you've
• 9:05
  got
• 9:05
  to
• 9:05
  really
• 9:05
  build
• 9:06
  that
• 9:06
  padding
• 9:07
  in.
• 9:07
  And
• 9:08
  here's
• 9:08
  my,
• 9:08
  my
• 9:09
  one
• 9:09
  line
• 9:09
  of
• 9:09
  encouragement
• 9:10
  today.
• 9:10
  You're
• 9:10
  not
• 9:11
  behind.
• 9:11
  Your
• 9:12
  next
• 9:12
  step
• 9:12
  is
• 9:12
  enough.
• 9:12
  So
• 9:13
  take
• 9:13
  that
• 9:13
  step
• 9:13
  today.
• 9:14
  And
• 9:14
  here's
• 9:14
  what
• 9:14
  I'm
• 9:14
  going
• 9:14
  to
• 9:14
  encourage
• 9:15
  you.
• 9:15
  Today's
• 9:15
  big
• 9:16
  win.
• 9:16
  My
• 9:16
  big
• 9:16
  takeaway
• 9:17
  for
• 9:17
  today
• 9:18
  is
• 9:18
  I
• 9:18
  want
• 9:18
  you
• 9:18
  to
• 9:18
  write
• 9:19
  this
• 9:19
  sentence
• 9:19
  down.
• 9:20
  If
• 9:20
  we
• 9:20
  owe,
• 9:21
  we
• 9:21
  will
• 9:22
  blank
• 9:22
  whatever
• 9:22
  that
• 9:23
  is
• 9:23
  and
• 9:23
  fill
• 9:23
  in
• 9:24
  one
• 9:24
  plan.
• 9:24
  If
• 9:25
  you
• 9:25
  owe,
• 9:25
  hey,
• 9:26
  it's
• 9:26
  not
• 9:26
  a
• 9:26
  problem.
• 9:27
  We've
• 9:27
  got
• 9:27
  money
• 9:27
  in
• 9:27
  our
• 9:28
  emergency
• 9:28
  fund,
• 9:28
  we
• 9:28
  got
• 9:28
  money
• 9:29
  in
• 9:29
  their
• 9:29
  carve
• 9:29
  out
• 9:29
  tax
• 9:30
  plan.
• 9:30
  We
• 9:31
  can
• 9:31
  handle
• 9:31
  this.
• 9:32
  Or
• 9:32
  we're
• 9:32
  going
• 9:32
  to
• 9:33
  file.
• 9:33
  We
• 9:33
  don't
• 9:34
  have
• 9:34
  this
• 9:34
  much
• 9:34
  money.
• 9:34
  And
• 9:35
  we're
• 9:35
  going
• 9:35
  to
• 9:35
  set
• 9:35
  up
• 9:35
  those
• 9:35
  payment
• 9:36
  plans
• 9:37
  because
• 9:37
  here's
• 9:37
  the
• 9:37
  thing
• 9:37
  about
• 9:38
  our
• 9:38
  brain.
• 9:38
  The
• 9:38
  way
• 9:38
  brain
• 9:39
  chemistry
• 9:39
  works,
• 9:40
  your
• 9:40
  brain
• 9:41
  relaxes
• 9:41
  when
• 9:42
  it
• 9:42
  knows
• 9:42
  there's
• 9:42
  a
• 9:42
  path
• 9:43
  forward
• 9:43
  to.
• 9:43
  And
• 9:44
  that's
• 9:44
  the
• 9:44
  big
• 9:44
  takeaway
• 9:45
  from
• 9:45
  today.
• 9:45
  Build
• 9:46
  that
• 9:46
  path
• 9:46
  forward.
• 9:47
  Because
• 9:47
  when
• 9:47
  you
• 9:47
  have
• 9:47
  a
• 9:47
  path,
• 9:48
  it
• 9:49
  breaks
• 9:49
  down
• 9:49
  that
• 9:50
  fear
• 9:50
  once
• 9:50
  and
• 9:50
  for
• 9:51
  all.
• 9:51
  Well,
• 9:52
  let's
• 9:52
  get
• 9:52
  to
• 9:52
  our
• 9:52
  scripture
• 9:53
  verse
• 9:53
  and
• 9:53
  you
• 9:53
  know,
• 9:53
  I
• 9:53
  always
• 9:54
  want
• 9:54
  to
• 9:54
  land
• 9:54
  some
• 9:54
  scripture
• 9:55
  here.
• 9:55
  That's
• 9:55
  one
• 9:55
  of
• 9:55
  the
• 9:56
  benefits
• 9:56
  of
• 9:56
  having
• 9:56
  a
• 9:57
  finance
• 9:57
  and
• 9:57
  faith
• 9:58
  show.
• 9:58
  Well,
• 9:58
  this
• 9:58
  one
• 9:58
  comes
• 9:58
  to
• 9:59
  us
• 9:59
  from
• 9:59
  Isaiah,
• 10:00
  chapter
• 10:00
  26,
• 10:01
  verse
• 10:01
  3.
• 10:02
  And
• 10:03
  it
• 10:03
  says,
• 10:03
  you
• 10:03
  will
• 10:03
  keep
• 10:04
  in
• 10:04
  perfect
• 10:04
  peace
• 10:05
  those
• 10:05
  whose
• 10:06
  minds
• 10:06
  are
• 10:07
  steadfast
• 10:08
  because
• 10:08
  they
• 10:08
  trust
• 10:09
  in
• 10:09
  you.
• 10:10
  I
• 10:10
  just
• 10:10
  love
• 10:10
  this
• 10:11
  verse.
• 10:11
  I
• 10:11
  want
• 10:11
  to
• 10:11
  read
• 10:11
  it
• 10:11
  again
• 10:11
  because
• 10:12
  I
• 10:12
  just,
• 10:12
  I
• 10:12
  want
• 10:12
  you
• 10:12
  to
• 10:13
  really
• 10:13
  get
• 10:13
  your
• 10:13
  arms
• 10:13
  around
• 10:14
  this.
• 10:14
  You
• 10:14
  will
• 10:15
  keep
• 10:15
  in
• 10:15
  perfect
• 10:15
  peace
• 10:16
  those
• 10:17
  whose
• 10:17
  minds
• 10:18
  are
• 10:18
  steadfast
• 10:20
  because
• 10:20
  they
• 10:20
  trust
• 10:20
  in
• 10:21
  you.
• 10:22
  And
• 10:22
  if
• 10:22
  you
• 10:22
  think
• 10:22
  about
• 10:22
  it,
• 10:23
  this
• 10:23
  verse
• 10:23
  helps
• 10:24
  because
• 10:24
  tax
• 10:25
  anxiety
• 10:26
  pulls
• 10:26
  your
• 10:26
  mind
• 10:27
  into
• 10:27
  these
• 10:27
  endless
• 10:28
  loop
• 10:28
  of
• 10:28
  what
• 10:28
  if
• 10:28
  scenarios.
• 10:30
  And
• 10:30
  listen,
• 10:30
  I've
• 10:30
  been
• 10:31
  there.
• 10:31
  I
• 10:31
  see
• 10:31
  this
• 10:31
  almost
• 10:32
  every
• 10:32
  day
• 10:32
  during
• 10:32
  tax
• 10:33
  season.
• 10:33
  I
• 10:33
  can
• 10:34
  see
• 10:34
  the
• 10:34
  wheels
• 10:34
  going
• 10:34
  off
• 10:35
  as
• 10:35
  I'm
• 10:35
  talking
• 10:35
  to
• 10:35
  a
• 10:36
  client
• 10:36
  and
• 10:36
  I'm
• 10:36
  looking
• 10:37
  at
• 10:37
  the
• 10:37
  screen
• 10:37
  and
• 10:37
  I'm
• 10:37
  going
• 10:38
  to
• 10:38
  tell
• 10:38
  this
• 10:38
  client
• 10:38
  they
• 10:38
  owe
• 10:39
  money.
• 10:39
  And
• 10:39
  I
• 10:39
  can
• 10:40
  just
• 10:40
  see
• 10:40
  that
• 10:40
  the
• 10:40
  wheels
• 10:41
  are
• 10:41
  going
• 10:41
  up.
• 10:41
  They're
• 10:41
  in
• 10:42
  those
• 10:42
  what
• 10:42
  ifs.
• 10:43
  But
• 10:43
  God's
• 10:44
  inviting
• 10:44
  you
• 10:44
  to
• 10:44
  something
• 10:45
  deeper,
• 10:45
  a
• 10:45
  peace,
• 10:45
  a
• 10:46
  steadiness
• 10:47
  that
• 10:47
  we're
• 10:47
  going
• 10:47
  to
• 10:48
  trust
• 10:48
  in
• 10:48
  him.
• 10:48
  And
• 10:48
  yes,
• 10:49
  it
• 10:49
  might
• 10:49
  be
• 10:49
  a
• 10:50
  rough
• 10:50
  season.
• 10:50
  It
• 10:51
  might
• 10:51
  be.
• 10:51
  We're
• 10:51
  going
• 10:51
  to
• 10:51
  have
• 10:51
  to
• 10:52
  go
• 10:52
  into
• 10:52
  a
• 10:53
  payment
• 10:53
  plan.
• 10:53
  We're
• 10:53
  going
• 10:53
  to
• 10:53
  have
• 10:53
  to
• 10:54
  take
• 10:54
  some
• 10:54
  money
• 10:54
  out
• 10:54
  of
• 10:54
  our
• 10:55
  emergency
• 10:55
  funding
• 10:56
  to
• 10:56
  make
• 10:56
  some
• 10:56
  changes.
• 10:58
  But
• 10:58
  God's
• 10:58
  saying
• 10:59
  there,
• 10:59
  you
• 10:59
  know,
• 10:59
  keep
• 10:59
  perfect
• 11:00
  peace.
• 11:00
  If
• 11:00
  your
• 11:01
  minds
• 11:01
  are
• 11:01
  steadfast,
• 11:02
  build
• 11:02
  those
• 11:03
  plans
• 11:03
  and
• 11:04
  trust
• 11:04
  in
• 11:04
  him.
• 11:05
  Well,
• 11:05
  let's
• 11:06
  pray
• 11:06
  together,
• 11:06
  Lord.
• 11:07
  You
• 11:07
  see
• 11:07
  the
• 11:07
  anxiety
• 11:08
  that
• 11:08
  rises
• 11:09
  up
• 11:09
  around
• 11:09
  taxes
• 11:09
  and
• 11:10
  the
• 11:10
  real
• 11:10
  fear
• 11:11
  of
• 11:11
  the
• 11:11
  unknown.
• 11:13
  And
• 11:13
  you
• 11:13
  see
• 11:13
  how
• 11:14
  quickly
• 11:14
  our
• 11:14
  minds
• 11:15
  run
• 11:15
  to
• 11:15
  these
• 11:16
  worst
• 11:16
  case
• 11:16
  scenarios.
• 11:17
  We're
• 11:17
  playing
• 11:17
  them
• 11:17
  out
• 11:17
  in
• 11:17
  our
• 11:18
  head,
• 11:18
  Lord.
• 11:19
  So
• 11:19
  give
• 11:19
  us
• 11:20
  wisdom
• 11:20
  for
• 11:20
  today,
• 11:20
  Lord,
• 11:21
  and
• 11:21
  peace
• 11:21
  for
• 11:21
  this
• 11:22
  very
• 11:22
  moment.
• 11:23
  Help
• 11:23
  us
• 11:24
  to
• 11:24
  turn
• 11:24
  fear
• 11:24
  into
• 11:25
  a
• 11:25
  simple
• 11:25
  plan
• 11:26
  and
• 11:26
  a
• 11:26
  clear
• 11:26
  next
• 11:27
  step.
• 11:27
  Teach
• 11:27
  us
• 11:28
  to
• 11:28
  trust
• 11:28
  you.
• 11:29
  With
• 11:29
  provision,
• 11:29
  Lord,
• 11:30
  and
• 11:30
  with
• 11:30
  timing
• 11:31
  and
• 11:31
  with
• 11:31
  the
• 11:31
  outcome,
• 11:32
  even
• 11:32
  if
• 11:32
  the
• 11:33
  number
• 11:33
  isn't
• 11:33
  what
• 11:34
  we
• 11:34
  want
• 11:34
  right
• 11:34
  at
• 11:34
  this
• 11:34
  moment.
• 11:35
  And
• 11:35
  help
• 11:35
  us
• 11:35
  keep
• 11:35
  our
• 11:36
  minds
• 11:36
  steady
• 11:37
  on
• 11:37
  you
• 11:38
  when
• 11:38
  the
• 11:38
  worry
• 11:38
  tries
• 11:39
  to
• 11:39
  take
• 11:39
  over.
• 11:39
  Help
• 11:39
  us
• 11:40
  to
• 11:40
  be
• 11:40
  steadfast
• 11:41
  in
• 11:41
  our
• 11:41
  trust
• 11:41
  for
• 11:41
  you.
• 11:42
  And
• 11:42
  we
• 11:42
  ask
• 11:42
  this
• 11:42
  in
• 11:43
  Jesus
• 11:43
  name,
• 11:44
  Amen.
• 11:46
  Listen,
• 11:47
  that
• 11:47
  tight
• 11:48
  feeling
• 11:48
  doesn't
• 11:48
  get
• 11:49
  to
• 11:49
  lead
• 11:49
  you.
• 11:50
  You
• 11:50
  can
• 11:50
  stop
• 11:51
  that
• 11:51
  right
• 11:51
  now
• 11:52
  by
• 11:52
  building
• 11:52
  a
• 11:53
  piece
• 11:53
  and
• 11:53
  a
• 11:54
  plan.
• 11:55
  And
• 11:55
  if
• 11:55
  you've
• 11:55
  got
• 11:55
  a
• 11:56
  question
• 11:56
  for
• 11:56
  the
• 11:56
  show,
• 11:56
  I
• 11:56
  would
• 11:57
  love
• 11:57
  to
• 11:57
  hear
• 11:57
  your
• 11:57
  question.
• 11:57
  It's
• 11:58
  what
• 11:58
  feeds
• 11:58
  me.
• 11:58
  It's
• 11:58
  why
• 11:59
  I
• 11:59
  do
• 11:59
  this
• 11:59
  show
• 11:59
  every
• 11:59
  day.
• 11:59
  I
• 12:00
  want
• 12:00
  to
• 12:00
  answer
• 12:00
  your
• 12:00
  questions.
• 12:01
  I
• 12:01
  want
• 12:01
  to
• 12:01
  help
• 12:01
  you
• 12:01
  break
• 12:02
  that
• 12:02
  cycle
• 12:02
  of
• 12:03
  financial
• 12:03
  shame.
• 12:04
  If
• 12:04
  you've
• 12:04
  got
• 12:04
  a
• 12:04
  question,
• 12:05
  go
• 12:05
  to
• 12:05
  financiallyconfidentchristian.com/question.
• 12:08
  I'll
• 12:09
  put
• 12:09
  this
• 12:09
  in
• 12:09
  the
• 12:09
  show
• 12:09
  notes,
• 12:10
  but
• 12:10
  it's
• 12:10
  financiallyconfidentchristian.com/question.
• 12:14
  i
• 12:14
  want
• 12:15
  to
• 12:15
  hear
• 12:15
  from
• 12:15
  you.
• 12:15
  Just
• 12:15
  share
• 12:16
  what's
• 12:16
  going
• 12:16
  on.
• 12:16
  Even
• 12:17
  if
• 12:17
  you
• 12:17
  might
• 12:17
  think,
• 12:17
  hey,
• 12:18
  this
• 12:18
  is
• 12:18
  a
• 12:18
  trivial
• 12:19
  thing.
• 12:19
  It's
• 12:19
  not
• 12:19
  trivial
• 12:20
  to
• 12:20
  me.
• 12:21
  So
• 12:21
  send
• 12:21
  in
• 12:21
  those
• 12:21
  questions.
• 12:22
  And
• 12:22
  I
• 12:22
  just
• 12:22
  want
• 12:22
  to
• 12:22
  thank
• 12:22
  you
• 12:23
  for
• 12:23
  joining
• 12:23
  me
• 12:23
  today.
• 12:23
  As
• 12:23
  I
• 12:24
  always
• 12:24
  say,
• 12:24
  stay
• 12:25
  financially
• 12:25
  savvy.
• 12:26
  God
• 12:26
  bless
• 12:27
  you.
• 12:27
  And
• 12:27
  you
• 12:27
  have
• 12:28
  a
• 12:28
  great
• 12:28
  day
• 12:28
  today.