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Why Does My Debt Feel So Overwhelming and Hopeless? · Becoming Financially Confident

• 0:37
  Hey,
• 0:37
  does
• 0:37
  your
• 0:38
  debt
• 0:38
  feel
• 0:38
  like
• 0:38
  a
• 0:38
  dark
• 0:38
  cloud
• 0:39
  that
• 0:39
  just
• 0:39
  won't
• 0:39
  go
• 0:40
  away?
• 0:40
  Like
• 0:41
  it's
• 0:41
  hanging
• 0:41
  over
• 0:41
  your
• 0:41
  head
• 0:42
  no
• 0:42
  matter
• 0:42
  how
• 0:42
  hard
• 0:42
  you
• 0:43
  try
• 0:43
  to
• 0:43
  ignore
• 0:43
  it?
• 0:44
  Maybe
• 0:45
  you
• 0:45
  get
• 0:45
  that
• 0:45
  pit
• 0:45
  in
• 0:46
  your
• 0:46
  stomach
• 0:46
  every
• 0:46
  time
• 0:46
  you
• 0:46
  think
• 0:47
  about
• 0:47
  how
• 0:47
  much
• 0:47
  you
• 0:47
  owe
• 0:48
  and
• 0:48
  you
• 0:48
  secretly
• 0:49
  wonder
• 0:49
  if
• 0:49
  you'll
• 0:50
  ever
• 0:50
  be
• 0:50
  free.
• 0:50
  Yeah,
• 0:51
  I
• 0:51
  know
• 0:51
  that
• 0:51
  feeling.
• 0:52
  But
• 0:53
  here's
• 0:53
  the
• 0:53
  truth.
• 0:54
  You
• 0:54
  can
• 0:54
  start
• 0:54
  breaking
• 0:55
  free.
• 0:55
  And
• 0:56
  it
• 0:56
  starts
• 0:56
  with
• 0:56
  just
• 0:57
  one
• 0:57
  brave
• 0:57
  step
• 0:58
  first.
• 0:58
  I'm
• 0:58
  going
• 0:58
  to
• 0:58
  talk
• 0:58
  about
• 0:59
  that
• 0:59
  on
• 0:59
  today's
• 0:59
  show
• 1:00
  and
• 1:00
  how
• 1:00
  you
• 1:00
  can
• 1:01
  get
• 1:01
  started
• 1:01
  to
• 1:02
  finally
• 1:02
  break
• 1:02
  free
• 1:02
  of
• 1:03
  that
• 1:03
  debt.
• 1:05
  This
• 1:05
  is
• 1:06
  Financially
• 1:06
  Confident
• 1:07
  Christian,
• 1:07
  your
• 1:08
  daily
• 1:08
  dose
• 1:08
  of
• 1:09
  gospel
• 1:09
  grounded
• 1:09
  insight
• 1:10
  and
• 1:10
  faith
• 1:10
  driven
• 1:11
  tips
• 1:11
  to
• 1:12
  help
• 1:12
  you
• 1:12
  break
• 1:12
  the
• 1:12
  cycle
• 1:13
  of
• 1:13
  financial
• 1:13
  shame
• 1:14
  with
• 1:14
  confidence.
• 1:19
  Hey,
• 1:19
  friend.
• 1:19
  Welcome
• 1:20
  back
• 1:20
  to
• 1:20
  your
• 1:20
  daily
• 1:20
  Financially
• 1:21
  Confident
• 1:21
  Christian.
• 1:22
  I'm
• 1:22
  Ralph.
• 1:23
  I'm
• 1:23
  here
• 1:23
  to
• 1:23
  help
• 1:23
  you
• 1:23
  break
• 1:24
  the
• 1:24
  financial
• 1:24
  chains
• 1:25
  and
• 1:25
  find
• 1:26
  God's
• 1:26
  peace
• 1:26
  in
• 1:26
  your
• 1:27
  money
• 1:27
  story.
• 1:28
  And
• 1:28
  we
• 1:28
  continue
• 1:28
  in
• 1:29
  our
• 1:29
  series,
• 1:29
  Breaking
• 1:30
  Financial
• 1:30
  Chains.
• 1:31
  Now,
• 1:31
  if
• 1:31
  you
• 1:31
  missed
• 1:32
  yesterday's
• 1:32
  show,
• 1:32
  we
• 1:32
  tackled
• 1:33
  the
• 1:33
  not
• 1:33
  enough
• 1:34
  feeling.
• 1:34
  We
• 1:35
  talked
• 1:35
  about
• 1:35
  how
• 1:35
  to
• 1:35
  replace
• 1:36
  it
• 1:36
  with
• 1:36
  contentment.
• 1:37
  So
• 1:37
  I'm
• 1:37
  going
• 1:37
  to
• 1:37
  encourage
• 1:38
  you.
• 1:38
  If
• 1:38
  you
• 1:38
  missed
• 1:38
  yesterday's
• 1:39
  show,
• 1:39
  you
• 1:40
  can
• 1:40
  check
• 1:40
  it
• 1:40
  out@financially
• 1:42
  confidentchristian.com
• 1:44
  well,
• 1:44
  today
• 1:44
  we're
• 1:44
  going
• 1:44
  to
• 1:45
  shift
• 1:45
  into
• 1:45
  our
• 1:45
  debt
• 1:46
  part
• 1:46
  of
• 1:46
  the
• 1:46
  series
• 1:46
  and
• 1:46
  we're
• 1:47
  starting
• 1:47
  with
• 1:47
  a
• 1:48
  really
• 1:48
  difficult
• 1:48
  question
• 1:49
  that
• 1:49
  capsulates
• 1:50
  so
• 1:50
  many
• 1:51
  people's
• 1:51
  situations.
• 1:52
  And
• 1:52
  that's
• 1:53
  why
• 1:53
  does
• 1:53
  my
• 1:53
  debt
• 1:53
  feel
• 1:54
  so
• 1:54
  overwhelming
• 1:55
  and
• 1:55
  hopeless?
• 1:57
  And
• 1:57
  see,
• 1:57
  I
• 1:57
  can
• 1:57
  remember
• 1:58
  working
• 1:58
  with
• 1:58
  a
• 1:58
  client
• 1:58
  who
• 1:59
  told
• 1:59
  me,
• 1:59
  ralph,
• 1:59
  I
• 1:59
  don't
• 2:00
  even
• 2:00
  open
• 2:00
  my
• 2:00
  credit
• 2:00
  card
• 2:01
  statements
• 2:01
  anymore.
• 2:02
  And
• 2:02
  of
• 2:02
  course
• 2:02
  I
• 2:03
  was
• 2:03
  interested
• 2:03
  in
• 2:03
  hearing
• 2:03
  that.
• 2:04
  And
• 2:04
  I
• 2:04
  said
• 2:04
  to
• 2:04
  them,
• 2:05
  why
• 2:05
  not?
• 2:06
  She
• 2:06
  said,
• 2:06
  because
• 2:06
  if
• 2:06
  I
• 2:07
  don't
• 2:07
  look,
• 2:07
  I
• 2:08
  can
• 2:08
  pretend
• 2:08
  it's
• 2:08
  not
• 2:09
  that
• 2:09
  bad.
• 2:10
  Wow.
• 2:11
  And
• 2:11
  I
• 2:11
  get
• 2:11
  it.
• 2:12
  Sometimes
• 2:13
  the
• 2:13
  numbers
• 2:13
  feel
• 2:13
  so
• 2:14
  big
• 2:14
  that
• 2:14
  even
• 2:15
  seeing
• 2:15
  them
• 2:15
  feels
• 2:16
  like
• 2:16
  too
• 2:16
  much
• 2:16
  to
• 2:16
  bear.
• 2:17
  I've
• 2:17
  been
• 2:17
  in
• 2:17
  that
• 2:17
  position
• 2:18
  before.
• 2:18
  How
• 2:18
  about
• 2:18
  you?
• 2:19
  So
• 2:19
  we
• 2:20
  avoid
• 2:20
  them,
• 2:21
  hoping
• 2:21
  somehow
• 2:21
  they'll
• 2:22
  just
• 2:22
  get
• 2:22
  smaller
• 2:23
  on
• 2:23
  their
• 2:23
  own.
• 2:24
  But
• 2:24
  friend,
• 2:25
  you
• 2:25
  and
• 2:25
  I
• 2:25
  both
• 2:26
  know
• 2:26
  avoiding
• 2:27
  the
• 2:27
  truth
• 2:27
  doesn't
• 2:27
  make
• 2:28
  it
• 2:28
  go
• 2:28
  away.
• 2:29
  It
• 2:29
  only
• 2:29
  keeps
• 2:29
  you
• 2:30
  stuck.
• 2:31
  If
• 2:31
  that's
• 2:32
  you.
• 2:32
  If
• 2:32
  you've
• 2:32
  been
• 2:32
  avoiding
• 2:33
  the
• 2:33
  statements,
• 2:33
  if
• 2:34
  you've
• 2:34
  been
• 2:34
  letting
• 2:34
  unopened
• 2:35
  mail
• 2:35
  pile
• 2:36
  up
• 2:36
  or
• 2:36
  skipping
• 2:37
  that
• 2:37
  login
• 2:37
  screen
• 2:38
  because
• 2:38
  you
• 2:38
  don't
• 2:38
  want
• 2:38
  to
• 2:39
  know,
• 2:39
  I'll
• 2:39
  tell
• 2:39
  you
• 2:39
  right
• 2:40
  now,
• 2:40
  you're
• 2:40
  not
• 2:40
  alone
• 2:40
  in
• 2:41
  that
• 2:41
  struggle.
• 2:42
  But
• 2:42
  here's
• 2:42
  what
• 2:42
  I
• 2:43
  want
• 2:43
  you
• 2:43
  to
• 2:43
  hear.
• 2:44
  And
• 2:44
  I
• 2:44
  really
• 2:45
  believe
• 2:45
  this
• 2:45
  with
• 2:45
  all
• 2:46
  of
• 2:46
  my
• 2:46
  heart
• 2:46
  and
• 2:46
  all
• 2:47
  of
• 2:47
  my
• 2:47
  soul.
• 2:47
  You're
• 2:47
  stronger
• 2:48
  than
• 2:48
  you
• 2:48
  think.
• 2:49
  And
• 2:49
  the
• 2:49
  moment
• 2:50
  you
• 2:50
  bring
• 2:50
  your
• 2:50
  debt
• 2:50
  into
• 2:50
  the
• 2:51
  light,
• 2:51
  that's
• 2:51
  what
• 2:51
  it's
• 2:51
  all
• 2:51
  about
• 2:52
  today.
• 2:52
  The
• 2:53
  moment
• 2:53
  you
• 2:53
  bring
• 2:53
  that
• 2:53
  debt
• 2:54
  into
• 2:54
  the
• 2:54
  light,
• 2:54
  you
• 2:55
  take
• 2:55
  away
• 2:55
  some
• 2:55
  of
• 2:55
  its
• 2:56
  power
• 2:56
  over
• 2:56
  you.
• 2:57
  Well,
• 2:57
  let's
• 2:58
  get
• 2:58
  right
• 2:58
  into
• 2:58
  the
• 2:58
  word
• 2:59
  of
• 2:59
  God
• 2:59
  and
• 2:59
  let's
• 3:00
  get
• 3:00
  to
• 3:00
  figuring
• 3:00
  out
• 3:01
  how
• 3:01
  do
• 3:01
  we
• 3:01
  bring
• 3:01
  that
• 3:02
  debt
• 3:02
  into
• 3:02
  the
• 3:02
  light.
• 3:02
  I'm
• 3:02
  going
• 3:03
  to
• 3:03
  start
• 3:03
  with
• 3:03
  probably
• 3:04
  the
• 3:04
  biggest
• 3:04
  verse
• 3:04
  of
• 3:05
  the
• 3:05
  Bible
• 3:05
  that
• 3:05
  talks
• 3:06
  about
• 3:06
  borrowing
• 3:07
  and
• 3:07
  talks
• 3:07
  about
• 3:07
  debt.
• 3:08
  It's
• 3:08
  from
• 3:08
  the
• 3:08
  book
• 3:09
  of
• 3:09
  Proverbs,
• 3:10
  chapter
• 3:10
  22,
• 3:11
  verse
• 3:11
  7.
• 3:11
  It
• 3:11
  says
• 3:11
  this.
• 3:12
  And
• 3:12
  I've
• 3:12
  used
• 3:12
  this
• 3:12
  on
• 3:13
  the
• 3:13
  show
• 3:13
  many
• 3:14
  times
• 3:15
  again.
• 3:15
  Proverbs
• 3:16
  22:7.
• 3:17
  The
• 3:17
  rich
• 3:18
  rule
• 3:18
  over
• 3:18
  the
• 3:18
  poor
• 3:19
  and
• 3:20
  the
• 3:20
  borrower
• 3:20
  is
• 3:21
  slave
• 3:21
  to
• 3:21
  the
• 3:21
  lender.
• 3:23
  Here
• 3:23
  it's
• 3:23
  the
• 3:23
  thing
• 3:23
  you
• 3:23
  got
• 3:24
  to
• 3:24
  understand.
• 3:25
  Debt
• 3:25
  can
• 3:25
  be
• 3:26
  a
• 3:26
  form
• 3:26
  of
• 3:26
  bondage.
• 3:27
  It
• 3:28
  truly
• 3:28
  is.
• 3:28
  What
• 3:28
  does
• 3:28
  the
• 3:29
  Bible
• 3:29
  say?
• 3:30
  The
• 3:30
  rich
• 3:30
  rule
• 3:30
  over
• 3:31
  the
• 3:31
  poor.
• 3:31
  And
• 3:31
  what?
• 3:31
  The
• 3:32
  borrower
• 3:32
  is
• 3:32
  slave
• 3:33
  to
• 3:33
  the
• 3:33
  lender.
• 3:34
  But
• 3:35
  God
• 3:35
  desires
• 3:35
  for
• 3:35
  you
• 3:36
  to
• 3:36
  walk
• 3:36
  in
• 3:36
  freedom.
• 3:36
  He
• 3:37
  doesn't
• 3:37
  want
• 3:37
  you
• 3:37
  to
• 3:37
  be
• 3:38
  kept
• 3:38
  in
• 3:39
  bondage
• 3:39
  or
• 3:40
  enslaved
• 3:40
  by
• 3:40
  this
• 3:41
  debt.
• 3:42
  And
• 3:42
  let
• 3:42
  me
• 3:42
  just
• 3:42
  tell
• 3:43
  you
• 3:43
  something
• 3:43
  right
• 3:43
  now.
• 3:43
  Sometimes
• 3:44
  the
• 3:44
  very
• 3:44
  first
• 3:45
  step
• 3:45
  towards
• 3:45
  getting
• 3:46
  to
• 3:46
  that
• 3:46
  freedom
• 3:47
  is
• 3:47
  simply
• 3:48
  naming
• 3:48
  what
• 3:49
  has
• 3:49
  you
• 3:49
  bound.
• 3:50
  So
• 3:51
  here's
• 3:51
  the
• 3:51
  shift
• 3:51
  I
• 3:51
  want
• 3:51
  you
• 3:52
  to
• 3:52
  work
• 3:52
  on
• 3:52
  today.
• 3:52
  Instead
• 3:53
  of
• 3:53
  letting
• 3:53
  your
• 3:53
  debt
• 3:54
  stay
• 3:54
  this
• 3:54
  big,
• 3:54
  shadowy
• 3:55
  monster
• 3:56
  in
• 3:56
  your
• 3:56
  mind
• 3:56
  for
• 3:56
  so
• 3:57
  many
• 3:57
  people.
• 3:57
  I
• 3:57
  get
• 3:58
  it.
• 3:58
  I've
• 3:58
  lived
• 3:59
  in
• 3:59
  that
• 3:59
  period
• 3:59
  of
• 3:59
  time.
• 4:00
  I
• 4:00
  remember
• 4:00
  a
• 4:01
  time
• 4:01
  when
• 4:01
  I
• 4:01
  didn't
• 4:01
  even
• 4:02
  open
• 4:02
  up
• 4:02
  the
• 4:02
  statements.
• 4:02
  I
• 4:02
  didn't
• 4:03
  want
• 4:03
  to
• 4:03
  even
• 4:03
  look
• 4:03
  at
• 4:04
  it.
• 4:05
  But
• 4:05
  we
• 4:05
  need
• 4:05
  to
• 4:05
  have
• 4:05
  a
• 4:05
  mindset
• 4:06
  shift.
• 4:06
  We're
• 4:06
  really
• 4:06
  going
• 4:07
  to
• 4:07
  gain
• 4:07
  freedom
• 4:08
  in
• 4:08
  this.
• 4:09
  We
• 4:09
  need
• 4:09
  to
• 4:09
  drag
• 4:10
  it
• 4:10
  into
• 4:10
  the
• 4:10
  light.
• 4:11
  And
• 4:11
  listen,
• 4:12
  I'm
• 4:12
  not
• 4:12
  telling
• 4:12
  this
• 4:12
  to
• 4:13
  you
• 4:13
  to
• 4:13
  shame
• 4:13
  yourself.
• 4:14
  I'm
• 4:14
  not
• 4:14
  wanting
• 4:14
  you
• 4:15
  to
• 4:15
  do
• 4:15
  this
• 4:15
  to
• 4:15
  beat
• 4:15
  yourself
• 4:16
  up,
• 4:17
  but
• 4:17
  to
• 4:17
  finally
• 4:18
  see
• 4:18
  what
• 4:18
  you're
• 4:18
  actually
• 4:19
  dealing
• 4:19
  with.
• 4:20
  And
• 4:20
  once
• 4:20
  you
• 4:21
  see
• 4:21
  it,
• 4:21
  you
• 4:21
  can
• 4:21
  start
• 4:22
  making
• 4:22
  a
• 4:22
  plan.
• 4:23
  So
• 4:23
  here's
• 4:24
  your
• 4:24
  one
• 4:24
  action
• 4:24
  step
• 4:25
  for
• 4:25
  today.
• 4:25
  Your
• 4:26
  first
• 4:26
  step
• 4:26
  I
• 4:26
  want
• 4:26
  you
• 4:27
  to
• 4:27
  do
• 4:27
  is
• 4:27
  gather
• 4:27
  all
• 4:28
  your
• 4:28
  debt
• 4:28
  information.
• 4:28
  Yeah,
• 4:29
  this
• 4:29
  is
• 4:29
  going
• 4:29
  to
• 4:29
  be
• 4:29
  the
• 4:30
  tough
• 4:30
  part.
• 4:30
  I
• 4:30
  want
• 4:31
  you
• 4:31
  to
• 4:31
  go
• 4:31
  get
• 4:31
  every
• 4:32
  statement.
• 4:32
  I
• 4:32
  want
• 4:32
  you
• 4:33
  to
• 4:33
  write
• 4:33
  down
• 4:33
  every
• 4:34
  single
• 4:34
  login
• 4:34
  to
• 4:35
  those
• 4:35
  online
• 4:36
  credit
• 4:36
  card
• 4:36
  and
• 4:37
  loan
• 4:37
  accounts,
• 4:37
  every
• 4:38
  bill
• 4:38
  that
• 4:38
  you
• 4:38
  owe,
• 4:39
  credit
• 4:39
  cards,
• 4:40
  student
• 4:40
  loans,
• 4:41
  car
• 4:41
  loans,
• 4:41
  medical
• 4:42
  bills.
• 4:42
  I
• 4:42
  want
• 4:42
  you
• 4:43
  to
• 4:43
  get
• 4:43
  everything.
• 4:44
  Just
• 4:44
  put
• 4:44
  it
• 4:44
  all
• 4:44
  in
• 4:45
  a
• 4:45
  nice
• 4:45
  pile
• 4:45
  right
• 4:46
  there
• 4:46
  in
• 4:46
  front
• 4:46
  of
• 4:46
  you.
• 4:47
  Next
• 4:48
  thing
• 4:48
  I
• 4:48
  want
• 4:48
  you
• 4:48
  to
• 4:48
  do
• 4:48
  is
• 4:49
  make
• 4:49
  a
• 4:49
  list.
• 4:49
  I
• 4:50
  want
• 4:50
  you
• 4:50
  to
• 4:50
  call
• 4:50
  this
• 4:50
  your
• 4:50
  freedom
• 4:51
  list.
• 4:52
  Just
• 4:52
  list
• 4:52
  every
• 4:53
  single
• 4:53
  thing,
• 4:53
  who
• 4:53
  you
• 4:54
  owe,
• 4:54
  the
• 4:54
  current
• 4:55
  balance,
• 4:55
  the
• 4:56
  interest
• 4:56
  rate,
• 4:56
  and
• 4:57
  the
• 4:57
  minimum
• 4:57
  payment.
• 4:57
  I
• 4:57
  just
• 4:58
  want
• 4:58
  you
• 4:58
  to
• 4:58
  do
• 4:58
  that
• 4:58
  and
• 4:58
  this.
• 4:59
  Add
• 4:59
  it
• 4:59
  all
• 4:59
  up
• 5:00
  and
• 5:00
  this
• 5:00
  is
• 5:00
  going
• 5:00
  to
• 5:00
  be
• 5:00
  the
• 5:01
  Stinging
• 5:01
  part.
• 5:02
  But
• 5:02
  seeing
• 5:03
  that
• 5:03
  total
• 5:03
  means
• 5:04
  you
• 5:04
  now
• 5:04
  have
• 5:04
  a
• 5:04
  starting
• 5:05
  line.
• 5:05
  That's
• 5:05
  what
• 5:05
  we're
• 5:05
  building
• 5:06
  today.
• 5:06
  We're
• 5:06
  building
• 5:06
  a
• 5:07
  starting
• 5:07
  line
• 5:08
  to
• 5:08
  your
• 5:08
  freedom
• 5:09
  plan.
• 5:09
  And
• 5:10
  then
• 5:10
  I
• 5:10
  want
• 5:10
  you
• 5:10
  to
• 5:10
  keep
• 5:10
  that
• 5:10
  list
• 5:11
  handy.
• 5:11
  We're
• 5:11
  going
• 5:11
  to
• 5:11
  be
• 5:11
  talking
• 5:12
  about
• 5:12
  what
• 5:12
  to
• 5:12
  do
• 5:12
  with
• 5:12
  that
• 5:12
  list
• 5:13
  over
• 5:13
  the
• 5:13
  next
• 5:13
  few
• 5:14
  days,
• 5:14
  but
• 5:14
  this
• 5:15
  is
• 5:15
  going
• 5:15
  to
• 5:15
  be
• 5:15
  your
• 5:16
  map
• 5:16
  for
• 5:16
  your
• 5:16
  journey
• 5:17
  to
• 5:17
  debt
• 5:18
  freedom.
• 5:19
  Because
• 5:19
  right
• 5:19
  now,
• 5:20
  if
• 5:20
  you
• 5:20
  haven't
• 5:20
  faced
• 5:21
  this,
• 5:22
  that
• 5:22
  fear
• 5:22
  is
• 5:23
  living
• 5:23
  in
• 5:23
  the
• 5:23
  unknown.
• 5:24
  You're
• 5:24
  just
• 5:24
  living
• 5:24
  in
• 5:25
  this
• 5:25
  unknown
• 5:25
  sense
• 5:26
  of.
• 5:26
  I'm
• 5:26
  not
• 5:26
  really
• 5:27
  sure
• 5:27
  how
• 5:27
  big
• 5:27
  it
• 5:27
  is,
• 5:28
  Ralph.
• 5:28
  I've
• 5:28
  worked
• 5:28
  with
• 5:28
  so
• 5:29
  many
• 5:29
  clients
• 5:29
  and
• 5:29
  I'll
• 5:29
  say
• 5:29
  to
• 5:29
  them,
• 5:30
  okay,
• 5:30
  how
• 5:30
  much
• 5:31
  do
• 5:31
  you
• 5:31
  owe
• 5:31
  in
• 5:31
  debt?
• 5:32
  Well,
• 5:32
  you
• 5:32
  know,
• 5:32
  I'm
• 5:32
  not
• 5:32
  sure,
• 5:33
  Ralph.
• 5:33
  The
• 5:34
  last
• 5:34
  time
• 5:34
  I
• 5:34
  looked
• 5:34
  at
• 5:34
  it
• 5:35
  was
• 5:35
  X.
• 5:36
  But
• 5:36
  once
• 5:37
  you
• 5:37
  know
• 5:37
  the
• 5:37
  facts,
• 5:38
  once
• 5:38
  you're
• 5:39
  able
• 5:39
  to
• 5:39
  put
• 5:39
  pen
• 5:40
  to
• 5:40
  paper,
• 5:40
  pencil
• 5:41
  to
• 5:41
  paper,
• 5:41
  whatever
• 5:42
  you're
• 5:42
  going
• 5:42
  to
• 5:42
  do,
• 5:42
  once
• 5:42
  you
• 5:43
  know
• 5:43
  those
• 5:43
  facts,
• 5:44
  you
• 5:45
  can
• 5:45
  replace
• 5:45
  that
• 5:45
  fear
• 5:46
  with
• 5:46
  a
• 5:46
  plan.
• 5:47
  And
• 5:47
  once
• 5:47
  you
• 5:48
  have
• 5:48
  that
• 5:48
  plan,
• 5:48
  let
• 5:48
  me
• 5:49
  tell
• 5:49
  you
• 5:49
  right
• 5:49
  now,
• 5:50
  that's
• 5:50
  going
• 5:50
  to
• 5:50
  be
• 5:50
  the
• 5:50
  beginning
• 5:51
  of
• 5:51
  your
• 5:51
  hope.
• 5:51
  That's
• 5:52
  going
• 5:52
  to
• 5:52
  be
• 5:52
  the
• 5:52
  beginning
• 5:53
  of
• 5:53
  your
• 5:53
  liberation
• 5:54
  and
• 5:54
  your
• 5:55
  freedom
• 5:55
  plan.
• 5:56
  How
• 5:56
  about
• 5:56
  we
• 5:56
  pray
• 5:57
  together?
• 5:58
  Father
• 5:58
  God,
• 5:58
  we
• 5:58
  bring
• 5:59
  you
• 5:59
  the
• 5:59
  weight
• 5:59
  of
• 5:59
  our
• 6:00
  debt
• 6:01
  and
• 6:01
  we
• 6:01
  confess
• 6:01
  that
• 6:02
  sometimes
• 6:02
  we've
• 6:02
  been
• 6:02
  afraid
• 6:03
  to
• 6:03
  even
• 6:03
  face
• 6:03
  it.
• 6:05
  But
• 6:05
  today
• 6:05
  we
• 6:05
  choose
• 6:05
  courage,
• 6:06
  Lord.
• 6:07
  We
• 6:07
  gather
• 6:07
  the
• 6:08
  truth,
• 6:08
  we
• 6:08
  write
• 6:08
  it
• 6:08
  down,
• 6:09
  and
• 6:09
  we
• 6:09
  trust
• 6:09
  that
• 6:09
  you
• 6:10
  can
• 6:10
  help
• 6:10
  us
• 6:10
  take
• 6:11
  one
• 6:11
  step
• 6:11
  at
• 6:12
  a
• 6:12
  time
• 6:12
  towards
• 6:13
  freedom.
• 6:13
  Help
• 6:13
  us
• 6:14
  to
• 6:14
  really
• 6:14
  see
• 6:14
  the
• 6:14
  truth
• 6:15
  for
• 6:15
  what
• 6:15
  it
• 6:15
  is.
• 6:15
  Help
• 6:16
  us
• 6:16
  to
• 6:16
  bring
• 6:16
  it
• 6:16
  to
• 6:16
  light,
• 6:17
  Lord.
• 6:18
  And
• 6:18
  we
• 6:18
  ask
• 6:18
  this
• 6:19
  in
• 6:19
  confidence
• 6:20
  in
• 6:20
  Jesus
• 6:21
  name.
• 6:22
  Amen.
• 6:23
  Listen,
• 6:24
  friend,
• 6:25
  making
• 6:25
  that
• 6:26
  list
• 6:26
  might
• 6:26
  feel
• 6:26
  scary.
• 6:27
  I
• 6:27
  remember
• 6:27
  when
• 6:27
  I
• 6:27
  did
• 6:27
  it,
• 6:28
  it
• 6:28
  was
• 6:28
  the
• 6:28
  scariest
• 6:28
  thing
• 6:29
  I'd
• 6:29
  done
• 6:29
  in
• 6:29
  a
• 6:29
  long
• 6:30
  time.
• 6:30
  Just
• 6:30
  putting
• 6:30
  it
• 6:31
  all
• 6:31
  on
• 6:31
  paper.
• 6:31
  When
• 6:31
  I
• 6:32
  got
• 6:32
  to
• 6:32
  the
• 6:32
  end,
• 6:32
  I
• 6:32
  was
• 6:32
  like,
• 6:32
  I
• 6:32
  can't
• 6:33
  believe
• 6:33
  it's
• 6:33
  that
• 6:33
  big.
• 6:34
  But
• 6:34
  this
• 6:35
  truly
• 6:35
  is
• 6:35
  an
• 6:35
  act
• 6:36
  of
• 6:36
  faith
• 6:36
  because
• 6:36
  it
• 6:36
  says
• 6:37
  this
• 6:37
  and
• 6:37
  it
• 6:37
  says
• 6:37
  it
• 6:38
  boldly.
• 6:39
  I
• 6:39
  believe
• 6:40
  God
• 6:40
  can
• 6:40
  help
• 6:40
  me
• 6:41
  handle
• 6:41
  this.
• 6:42
  Do
• 6:43
  you
• 6:43
  believe
• 6:43
  that
• 6:43
  God
• 6:43
  can
• 6:43
  help
• 6:43
  you
• 6:44
  handle
• 6:44
  this?
• 6:44
  If
• 6:44
  so,
• 6:44
  I
• 6:44
  want
• 6:45
  to
• 6:45
  encourage
• 6:45
  you,
• 6:45
  take
• 6:45
  that
• 6:46
  first
• 6:46
  step
• 6:46
  today.
• 6:46
  Because
• 6:47
  once
• 6:47
  you
• 6:47
  face
• 6:47
  it,
• 6:48
  once
• 6:49
  you
• 6:49
  truly
• 6:49
  stare
• 6:50
  at
• 6:50
  it,
• 6:50
  when
• 6:51
  you
• 6:51
  stare
• 6:51
  at
• 6:51
  it,
• 6:51
  when
• 6:52
  you
• 6:52
  look
• 6:52
  it
• 6:52
  in
• 6:52
  its
• 6:53
  eyes,
• 6:54
  that's
• 6:54
  when
• 6:54
  you
• 6:54
  can
• 6:55
  start
• 6:55
  to
• 6:55
  change
• 6:55
  it.
• 6:56
  And
• 6:56
  I
• 6:56
  want
• 6:56
  to
• 6:56
  encourage
• 6:56
  you
• 6:57
  today
• 6:57
  I
• 6:57
  want
• 6:57
  to
• 6:57
  also
• 6:57
  give
• 6:58
  you
• 6:58
  a
• 6:58
  free
• 6:58
  copy
• 6:58
  of
• 6:58
  my
• 6:59
  book.
• 6:59
  You
• 6:59
  can
• 6:59
  get
• 6:59
  a
• 7:00
  copy
• 7:00
  of
• 7:00
  my
• 7:00
  book,
• 7:00
  how
• 7:00
  to
• 7:01
  Become
• 7:01
  a
• 7:01
  Financially
• 7:01
  Confident
• 7:02
  Christian
• 7:02
  for
• 7:02
  Absolutely
• 7:03
  nothing.
• 7:03
  Just
• 7:03
  go
• 7:04
  to
• 7:04
  my
• 7:04
  website,
• 7:05
  that's
• 7:05
  financiallyconfidentchristian.com/becoming
• 7:09
  again.
• 7:09
  It's
• 7:09
  absolutely
• 7:10
  free,
• 7:10
  no
• 7:10
  obligations.
• 7:11
  That's
• 7:13
  at
• 7:14
  financiallyconfidentchristian.com/becoming
• 7:15
  now,
• 7:16
  tomorrow
• 7:16
  we're
• 7:16
  going
• 7:16
  to
• 7:17
  continue
• 7:17
  talking
• 7:17
  about
• 7:18
  debt.
• 7:18
  We're
• 7:18
  going
• 7:18
  to
• 7:18
  talk
• 7:18
  about
• 7:19
  tomorrow's
• 7:19
  topic
• 7:20
  is
• 7:20
  the
• 7:20
  minimum
• 7:21
  payment
• 7:21
  trap.
• 7:22
  A
• 7:22
  lot
• 7:22
  of
• 7:22
  people
• 7:22
  are
• 7:22
  stuck
• 7:23
  in
• 7:23
  that
• 7:23
  trap.
• 7:24
  But
• 7:24
  tomorrow,
• 7:24
  I'm
• 7:24
  going
• 7:25
  to
• 7:25
  show
• 7:25
  you
• 7:25
  how
• 7:25
  to
• 7:25
  finally
• 7:26
  break
• 7:26
  out
• 7:26
  of
• 7:26
  it.
• 7:27
  So
• 7:27
  today
• 7:27
  I
• 7:27
  want
• 7:28
  to
• 7:28
  encourage
• 7:28
  you,
• 7:29
  let's
• 7:29
  all
• 7:29
  go
• 7:29
  out
• 7:29
  there
• 7:30
  and
• 7:30
  be
• 7:30
  financially
• 7:31
  confident
• 7:31
  Christians.
• 7:32
  I
• 7:32
  believe
• 7:33
  in
• 7:33
  you,
• 7:33
  believe
• 7:34
  in
• 7:34
  yourself.
• 7:35
  God
• 7:35
  bless
• 7:35
  you.
• 7:35
  And
• 7:36
  you
• 7:36
  have
• 7:36
  a
• 7:36
  great
• 7:36
  day
• 7:36
  today.