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What is a Holiday FUN FUND? · Becoming Financially Confident

• 0:37
  Well,
• 0:37
  I
• 0:38
  thought
• 0:38
  I'd
• 0:38
  start
• 0:38
  today
• 0:38
  with
• 0:38
  a
• 0:39
  question.
• 0:39
  We
• 0:39
  got
• 0:39
  this
• 0:39
  listener
• 0:40
  question
• 0:40
  as
• 0:40
  we're
• 0:40
  doing
• 0:41
  this
• 0:41
  30
• 0:41
  day
• 0:41
  series
• 0:42
  about
• 0:42
  how
• 0:42
  to
• 0:42
  have
• 0:43
  a
• 0:43
  joyful
• 0:43
  holiday.
• 0:44
  It
• 0:44
  said
• 0:44
  this,
• 0:45
  it
• 0:45
  said,
• 0:45
  ralph,
• 0:45
  I
• 0:45
  love
• 0:45
  the
• 0:46
  holidays,
• 0:46
  the
• 0:46
  parties,
• 0:47
  the
• 0:47
  concerts,
• 0:47
  the
• 0:48
  school
• 0:48
  plays.
• 0:49
  But
• 0:49
  it
• 0:49
  all
• 0:50
  adds
• 0:50
  up
• 0:50
  fast.
• 0:51
  How
• 0:51
  do
• 0:52
  I
• 0:52
  enjoy
• 0:52
  the
• 0:52
  season
• 0:53
  without
• 0:53
  going
• 0:54
  into
• 0:54
  debt
• 0:54
  for
• 0:54
  it?
• 0:55
  Well,
• 0:55
  guess
• 0:55
  what?
• 0:55
  You
• 0:56
  need
• 0:56
  my
• 0:56
  solution.
• 0:56
  And
• 0:57
  today
• 0:57
  I've
• 0:57
  got
• 0:58
  a
• 0:58
  solution
• 0:58
  for
• 0:58
  you.
• 0:58
  Because
• 0:59
  here's
• 0:59
  the
• 0:59
  truth.
• 1:00
  Holiday
• 1:00
  joy
• 1:00
  shouldn't
• 1:01
  turn
• 1:01
  into
• 1:01
  January
• 1:02
  regret.
• 1:02
  So
• 1:02
  many
• 1:03
  people
• 1:03
  tell
• 1:03
  me,
• 1:03
  Ralph,
• 1:04
  I,
• 1:04
  I
• 1:04
  love
• 1:04
  the
• 1:04
  holidays,
• 1:05
  but
• 1:05
  man,
• 1:05
  when
• 1:05
  it
• 1:06
  gets
• 1:06
  to
• 1:06
  January,
• 1:06
  I
• 1:07
  just
• 1:07
  regret
• 1:07
  it.
• 1:08
  So
• 1:08
  on
• 1:08
  today's
• 1:08
  show,
• 1:09
  let's
• 1:09
  talk
• 1:09
  about
• 1:09
  how
• 1:09
  to
• 1:10
  prepay
• 1:10
  for
• 1:10
  your
• 1:10
  joy
• 1:11
  so
• 1:11
  you
• 1:11
  can
• 1:11
  celebrate
• 1:12
  with
• 1:12
  peace
• 1:13
  and
• 1:13
  not
• 1:13
  panic.
• 1:15
  This
• 1:16
  is
• 1:16
  Financially
• 1:17
  Confident
• 1:17
  Christian,
• 1:18
  your
• 1:18
  daily
• 1:18
  dose
• 1:19
  of
• 1:19
  gospel,
• 1:19
  grounded
• 1:20
  insight
• 1:20
  and
• 1:20
  faith
• 1:21
  driven
• 1:21
  tips
• 1:22
  to
• 1:22
  help
• 1:22
  you
• 1:22
  break
• 1:22
  the
• 1:23
  cycle
• 1:23
  of
• 1:23
  financial
• 1:24
  shame
• 1:24
  with
• 1:24
  confidence.
• 1:27
  Welcome
• 1:27
  to
• 1:27
  this
• 1:28
  show,
• 1:28
  I'm
• 1:28
  Ralph.
• 1:29
  I'm
• 1:29
  today
• 1:30
  going
• 1:30
  to
• 1:30
  help
• 1:30
  you
• 1:30
  find
• 1:30
  joy
• 1:31
  in
• 1:31
  the
• 1:31
  holiday
• 1:31
  season.
• 1:32
  As
• 1:32
  always,
• 1:32
  this
• 1:33
  daily
• 1:33
  show
• 1:33
  is
• 1:34
  all
• 1:34
  about
• 1:34
  helping
• 1:34
  you
• 1:34
  break
• 1:35
  that
• 1:35
  cycle
• 1:35
  of
• 1:35
  financial
• 1:36
  financial
• 1:36
  shame
• 1:37
  and
• 1:37
  living
• 1:37
  in
• 1:38
  confidence.
• 1:38
  And
• 1:38
  today
• 1:38
  I
• 1:38
  wanted
• 1:39
  to
• 1:39
  start
• 1:39
  off
• 1:39
  talking
• 1:40
  about
• 1:40
  food.
• 1:40
  Yes,
• 1:41
  we're
• 1:41
  going
• 1:41
  to
• 1:41
  talk
• 1:41
  about
• 1:41
  seafood
• 1:42
  soup.
• 1:43
  Now
• 1:43
  my
• 1:43
  father
• 1:43
  in
• 1:44
  law,
• 1:44
  now
• 1:44
  he's
• 1:44
  passed
• 1:45
  on
• 1:45
  at
• 1:45
  this
• 1:45
  point,
• 1:45
  but
• 1:46
  every
• 1:46
  Christmas
• 1:46
  Eve
• 1:47
  he
• 1:47
  had
• 1:47
  this
• 1:47
  great
• 1:47
  goal.
• 1:48
  He
• 1:48
  wanted
• 1:48
  to
• 1:48
  make
• 1:49
  this
• 1:49
  wonderful
• 1:50
  seafood
• 1:50
  soup
• 1:50
  dinner.
• 1:51
  I'm
• 1:51
  talking
• 1:51
  about
• 1:51
  this
• 1:51
  soup
• 1:52
  was
• 1:52
  amazing.
• 1:53
  It
• 1:53
  had
• 1:53
  every
• 1:54
  single
• 1:54
  piece
• 1:54
  of
• 1:54
  seafood
• 1:55
  that
• 1:55
  you
• 1:55
  can
• 1:55
  imagine.
• 1:56
  The
• 1:56
  problem
• 1:57
  was
• 1:57
  it
• 1:58
  cost
• 1:58
  him
• 1:58
  a
• 1:58
  mint
• 1:59
  to
• 1:59
  do
• 1:59
  it.
• 1:59
  I'm
• 1:59
  talking
• 1:59
  about
• 2:00
  probably
• 2:00
  for
• 2:00
  a
• 2:01
  family
• 2:01
  of
• 2:01
  eight
• 2:01
  of
• 2:01
  us
• 2:01
  that
• 2:02
  was
• 2:02
  all
• 2:02
  of
• 2:02
  us
• 2:02
  got
• 2:03
  together
• 2:03
  for
• 2:03
  the
• 2:03
  holidays
• 2:04
  and
• 2:04
  it
• 2:04
  would
• 2:04
  cost
• 2:04
  him
• 2:05
  about
• 2:05
  $250.
• 2:06
  Now
• 2:07
  I
• 2:07
  don't
• 2:07
  know
• 2:07
  about
• 2:07
  you,
• 2:07
  but
• 2:07
  that's
• 2:08
  a
• 2:08
  lot
• 2:08
  of
• 2:08
  money
• 2:08
  for
• 2:08
  one
• 2:08
  meal.
• 2:10
  So
• 2:10
  I
• 2:10
  remember
• 2:10
  year
• 2:10
  after
• 2:11
  year
• 2:11
  he
• 2:11
  would
• 2:11
  always
• 2:11
  start
• 2:12
  credit.
• 2:12
  He's
• 2:12
  like,
• 2:12
  oh
• 2:13
  man,
• 2:13
  I
• 2:13
  love
• 2:13
  to
• 2:13
  make
• 2:13
  my
• 2:13
  seafood
• 2:14
  soup
• 2:14
  but
• 2:14
  every
• 2:15
  year
• 2:15
  it
• 2:15
  seems
• 2:15
  like
• 2:15
  it
• 2:16
  gets
• 2:16
  more
• 2:16
  expensive.
• 2:16
  I
• 2:17
  mean
• 2:17
  he
• 2:17
  had
• 2:17
  shrimp
• 2:17
  in
• 2:18
  there,
• 2:18
  he
• 2:18
  had
• 2:18
  scallops
• 2:19
  in
• 2:19
  there,
• 2:19
  he
• 2:20
  had
• 2:20
  fish
• 2:20
  in
• 2:20
  there.
• 2:21
  I
• 2:21
  can't
• 2:21
  even
• 2:21
  remember
• 2:21
  all
• 2:21
  this
• 2:22
  stuff.
• 2:22
  Heavy
• 2:22
  whipping
• 2:22
  cream.
• 2:23
  Now
• 2:23
  look,
• 2:23
  it's
• 2:23
  not
• 2:23
  very
• 2:23
  good
• 2:24
  for
• 2:24
  you,
• 2:24
  to
• 2:24
  be
• 2:24
  honest
• 2:24
  with
• 2:25
  you,
• 2:25
  but
• 2:25
  it
• 2:25
  sure
• 2:26
  tasted
• 2:26
  good.
• 2:26
  And
• 2:26
  hey,
• 2:27
  one
• 2:27
  night
• 2:27
  a
• 2:27
  year
• 2:27
  it's
• 2:27
  okay.
• 2:28
  But
• 2:28
  anyway,
• 2:28
  this
• 2:29
  thing
• 2:29
  cost
• 2:29
  him
• 2:29
  250
• 2:31
  bucks.
• 2:32
  So
• 2:32
  I
• 2:32
  remember
• 2:32
  one
• 2:32
  day
• 2:32
  he
• 2:32
  said,
• 2:33
  Ralph,
• 2:33
  he
• 2:33
  says,
• 2:33
  you're
• 2:34
  a
• 2:34
  finance
• 2:34
  guy,
• 2:34
  you're
• 2:34
  one
• 2:35
  of
• 2:35
  these
• 2:35
  financial
• 2:35
  gurus.
• 2:36
  What
• 2:36
  should
• 2:36
  we
• 2:36
  do?
• 2:37
  What
• 2:37
  should
• 2:37
  I
• 2:37
  do?
• 2:37
  He
• 2:38
  said.
• 2:38
  I
• 2:38
  said,
• 2:38
  listen,
• 2:38
  here's
• 2:38
  what
• 2:38
  I
• 2:39
  would
• 2:39
  do.
• 2:40
  Start
• 2:40
  in
• 2:40
  September
• 2:41
  and
• 2:42
  every
• 2:42
  week.
• 2:42
  Set
• 2:43
  a
• 2:43
  couple
• 2:43
  bucks
• 2:43
  aside
• 2:44
  for
• 2:44
  this.
• 2:44
  Go
• 2:44
  to
• 2:44
  the
• 2:45
  grocery
• 2:45
  store,
• 2:45
  buy
• 2:46
  the
• 2:46
  stuff.
• 2:46
  Now
• 2:46
  listen,
• 2:46
  you
• 2:46
  can't
• 2:47
  buy
• 2:47
  the
• 2:47
  seafood
• 2:47
  that
• 2:48
  far
• 2:48
  in
• 2:48
  advance,
• 2:49
  but
• 2:49
  you
• 2:49
  can
• 2:49
  buy
• 2:49
  the
• 2:49
  cream,
• 2:50
  you
• 2:50
  can
• 2:50
  buy
• 2:50
  the
• 2:50
  this,
• 2:51
  you
• 2:51
  can
• 2:51
  buy
• 2:51
  the
• 2:51
  that,
• 2:51
  all
• 2:52
  the
• 2:52
  things
• 2:52
  that
• 2:52
  went
• 2:52
  into
• 2:52
  it.
• 2:53
  Or
• 2:53
  on
• 2:53
  the
• 2:54
  other
• 2:54
  side,
• 2:54
  just
• 2:54
  start
• 2:55
  saving
• 2:55
  $25
• 2:56
  a
• 2:56
  week
• 2:56
  because
• 2:57
  in
• 2:57
  10
• 2:57
  weeks,
• 2:57
  guess
• 2:58
  what,
• 2:58
  there's
• 2:58
  your
• 2:59
  $250.
• 3:00
  And
• 3:00
  then
• 3:00
  you
• 3:00
  don't
• 3:00
  have
• 3:01
  to
• 3:01
  worry
• 3:01
  about
• 3:01
  that
• 3:01
  stress
• 3:01
  at
• 3:02
  the
• 3:02
  holiday.
• 3:02
  And
• 3:02
  listen.
• 3:02
  So
• 3:02
  if
• 3:02
  you're
• 3:03
  listening
• 3:03
  right
• 3:03
  now
• 3:03
  and
• 3:04
  you
• 3:04
  have
• 3:04
  these
• 3:05
  holiday
• 3:05
  traditions
• 3:06
  that
• 3:06
  cost
• 3:06
  a
• 3:07
  few
• 3:07
  bucks,
• 3:08
  think
• 3:08
  about
• 3:08
  that.
• 3:09
  You
• 3:09
  can
• 3:09
  start
• 3:09
  saving
• 3:09
  for
• 3:10
  these
• 3:10
  things.
• 3:10
  And
• 3:10
  I'll
• 3:10
  talk
• 3:10
  about
• 3:10
  that
• 3:10
  in
• 3:11
  my
• 3:11
  action
• 3:11
  item
• 3:11
  later,
• 3:11
  but
• 3:12
  you
• 3:12
  can
• 3:12
  start
• 3:12
  saving
• 3:12
  for
• 3:12
  these
• 3:13
  things
• 3:13
  earlier.
• 3:13
  Now,
• 3:14
  never
• 3:14
  forget
• 3:14
  it.
• 3:14
  Once
• 3:14
  he
• 3:15
  did
• 3:15
  this,
• 3:15
  he
• 3:15
  said,
• 3:15
  ralph,
• 3:16
  I'm
• 3:16
  going
• 3:16
  to
• 3:16
  embrace
• 3:16
  this
• 3:17
  this
• 3:17
  year.
• 3:17
  He
• 3:18
  said,
• 3:18
  this
• 3:18
  was
• 3:18
  the
• 3:18
  first
• 3:19
  year
• 3:19
  I
• 3:19
  enjoyed
• 3:20
  the
• 3:20
  holiday
• 3:20
  without
• 3:21
  guilt.
• 3:21
  Well,
• 3:21
  that's
• 3:22
  fantastic,
• 3:22
  isn't
• 3:23
  it?
• 3:23
  And
• 3:23
  I
• 3:23
  love
• 3:24
  what
• 3:24
  this
• 3:24
  quote
• 3:24
  says.
• 3:25
  Now
• 3:25
  we
• 3:25
  couldn't
• 3:25
  find
• 3:25
  who
• 3:26
  this
• 3:26
  quote
• 3:26
  was
• 3:26
  from
• 3:26
  it,
• 3:27
  but
• 3:27
  it
• 3:27
  says
• 3:27
  this.
• 3:27
  It
• 3:27
  says
• 3:27
  saving
• 3:28
  is,
• 3:28
  is
• 3:28
  the
• 3:29
  quiet
• 3:29
  way
• 3:29
  joy
• 3:30
  prepares
• 3:30
  for
• 3:31
  its
• 3:31
  moments.
• 3:32
  I
• 3:32
  thought
• 3:32
  that
• 3:32
  was
• 3:32
  brilliant.
• 3:33
  So
• 3:33
  let's
• 3:33
  get
• 3:33
  back
• 3:33
  to
• 3:33
  the
• 3:34
  question
• 3:34
  of
• 3:34
  today.
• 3:34
  How
• 3:35
  do
• 3:35
  I
• 3:35
  enjoy
• 3:36
  the
• 3:36
  season
• 3:36
  without
• 3:37
  going
• 3:37
  into
• 3:37
  debt
• 3:38
  for
• 3:38
  it?
• 3:38
  Well,
• 3:38
  here's
• 3:38
  what
• 3:38
  I'm
• 3:39
  going
• 3:39
  to
• 3:39
  encourage
• 3:39
  you
• 3:39
  to
• 3:39
  do.
• 3:40
  I'm
• 3:40
  going
• 3:40
  to
• 3:40
  tell
• 3:40
  you
• 3:41
  to
• 3:41
  create
• 3:41
  something.
• 3:41
  Now
• 3:41
  this
• 3:41
  is
• 3:41
  going
• 3:41
  to
• 3:42
  be
• 3:42
  a
• 3:42
  bit
• 3:42
  of
• 3:42
  a
• 3:42
  tongue
• 3:42
  twister,
• 3:43
  but
• 3:43
  we're
• 3:43
  going
• 3:43
  to
• 3:43
  do
• 3:43
  what's
• 3:44
  called
• 3:44
  the
• 3:44
  Holiday
• 3:45
  Fun
• 3:45
  Fund.
• 3:46
  The
• 3:46
  Holiday
• 3:47
  Fun
• 3:47
  Fund.
• 3:48
  Now
• 3:48
  what
• 3:48
  does
• 3:48
  that
• 3:48
  look
• 3:48
  like?
• 3:49
  Well,
• 3:49
  here's
• 3:49
  what
• 3:49
  I
• 3:49
  want
• 3:49
  you
• 3:50
  to
• 3:50
  do
• 3:50
  in
• 3:50
  September,
• 3:51
  October.
• 3:51
  Now
• 3:51
  listen,
• 3:52
  we're
• 3:52
  in
• 3:52
  November
• 3:52
  right
• 3:53
  now.
• 3:53
  It's
• 3:53
  not
• 3:53
  too
• 3:53
  late
• 3:54
  to
• 3:54
  do
• 3:54
  this.
• 3:54
  You
• 3:54
  can
• 3:55
  still
• 3:55
  do
• 3:55
  this,
• 3:56
  but
• 3:56
  decide
• 3:57
  on
• 3:57
  that
• 3:57
  budget
• 3:57
  early.
• 3:58
  Write
• 3:59
  down
• 3:59
  the
• 3:59
  things
• 3:59
  that
• 3:59
  you
• 3:59
  want
• 3:59
  to
• 4:00
  do.
• 4:00
  Like
• 4:00
  for
• 4:00
  my
• 4:00
  father
• 4:00
  in
• 4:01
  law,
• 4:01
  it
• 4:01
  was
• 4:01
  all
• 4:01
  about
• 4:01
  that
• 4:01
  seafood
• 4:02
  soup.
• 4:03
  So
• 4:03
  he
• 4:03
  needed
• 4:03
  to
• 4:03
  write
• 4:04
  down
• 4:04
  the
• 4:04
  ingredients,
• 4:04
  he
• 4:05
  needed
• 4:05
  to
• 4:05
  write
• 4:05
  down
• 4:05
  all
• 4:06
  the
• 4:06
  things
• 4:06
  that
• 4:06
  were
• 4:06
  going
• 4:06
  to
• 4:07
  go
• 4:07
  into
• 4:07
  that,
• 4:07
  and
• 4:07
  then
• 4:07
  he
• 4:07
  could
• 4:08
  start
• 4:08
  to
• 4:08
  budget
• 4:08
  that.
• 4:09
  And
• 4:09
  here's
• 4:09
  my
• 4:09
  encouragement
• 4:10
  for
• 4:10
  you.
• 4:10
  You
• 4:11
  can
• 4:11
  save
• 4:11
  a
• 4:11
  small
• 4:11
  amount,
• 4:12
  maybe
• 4:12
  $10,
• 4:13
  $20
• 4:13
  a
• 4:14
  week.
• 4:14
  That
• 4:14
  stuff
• 4:14
  won't
• 4:15
  be
• 4:15
  so
• 4:15
  bad
• 4:15
  when
• 4:16
  you're
• 4:16
  going
• 4:16
  to
• 4:16
  the
• 4:16
  grocery
• 4:17
  store.
• 4:17
  Let's
• 4:17
  say
• 4:17
  you
• 4:17
  go
• 4:17
  to
• 4:17
  the
• 4:18
  grocery
• 4:18
  store
• 4:18
  every
• 4:18
  week,
• 4:19
  pick
• 4:19
  up
• 4:19
  a
• 4:19
  couple
• 4:19
  of
• 4:20
  things
• 4:20
  for
• 4:20
  this.
• 4:20
  You
• 4:20
  can
• 4:20
  do
• 4:20
  this
• 4:21
  for
• 4:21
  Thanksgiving,
• 4:22
  you
• 4:22
  can
• 4:22
  do
• 4:22
  this
• 4:22
  for
• 4:23
  Christmas,
• 4:23
  but
• 4:24
  start
• 4:24
  to
• 4:24
  save.
• 4:25
  Maybe
• 4:25
  you
• 4:25
  come
• 4:25
  up
• 4:25
  with
• 4:25
  some
• 4:25
  envelopes,
• 4:26
  put
• 4:27
  some
• 4:27
  labels
• 4:27
  on
• 4:27
  it.
• 4:27
  Maybe
• 4:28
  if
• 4:28
  you're
• 4:28
  one
• 4:28
  of
• 4:28
  those
• 4:28
  folks
• 4:28
  that
• 4:29
  likes
• 4:29
  concerts,
• 4:30
  put
• 4:30
  A
• 4:30
  concert
• 4:30
  fun
• 4:31
  fund.
• 4:31
  Or
• 4:31
  maybe
• 4:32
  it's
• 4:32
  a
• 4:32
  party.
• 4:32
  Fun,
• 4:33
  fun.
• 4:33
  Or
• 4:33
  the.
• 4:34
  I
• 4:34
  keep
• 4:34
  saying
• 4:34
  fun,
• 4:35
  fun,
• 4:35
  man,
• 4:35
  I'm
• 4:35
  gonna.
• 4:35
  It's
• 4:36
  almost
• 4:36
  like
• 4:36
  a
• 4:36
  song
• 4:37
  we're
• 4:37
  gonna
• 4:37
  jump
• 4:37
  into
• 4:38
  here
• 4:38
  in
• 4:38
  a
• 4:38
  minute.
• 4:38
  But
• 4:39
  the
• 4:39
  fun,
• 4:39
  fun,
• 4:40
  you
• 4:40
  can
• 4:40
  do
• 4:40
  it
• 4:40
  for
• 4:40
  all
• 4:41
  the
• 4:41
  different
• 4:41
  things.
• 4:41
  Because
• 4:42
  here's
• 4:42
  the
• 4:42
  truth.
• 4:43
  Joy
• 4:43
  is
• 4:43
  richer
• 4:44
  when
• 4:44
  it's
• 4:44
  prepaid,
• 4:45
  not
• 4:45
  charged.
• 4:46
  Which
• 4:46
  leads
• 4:46
  us
• 4:46
  right
• 4:46
  to
• 4:46
  our
• 4:47
  Bible
• 4:47
  verse
• 4:47
  today.
• 4:47
  I
• 4:47
  always
• 4:48
  want
• 4:48
  to
• 4:48
  give
• 4:48
  you
• 4:48
  some
• 4:49
  scripture
• 4:49
  to
• 4:50
  reinforce
• 4:50
  what
• 4:50
  we're
• 4:50
  talking
• 4:51
  about
• 4:51
  here
• 4:51
  on
• 4:51
  the
• 4:51
  show
• 4:51
  every
• 4:52
  day.
• 4:52
  That's
• 4:52
  the
• 4:52
  thing
• 4:52
  that
• 4:53
  set.
• 4:54
  It's
• 4:54
  faith
• 4:55
  and
• 4:55
  finance.
• 4:56
  And
• 4:56
  we
• 4:56
  meld
• 4:56
  those
• 4:57
  two
• 4:57
  words
• 4:57
  together
• 4:57
  to
• 4:58
  give
• 4:58
  you
• 4:58
  confidence.
• 4:58
  So
• 4:59
  here's
• 4:59
  a
• 4:59
  verse
• 4:59
  for
• 5:00
  today.
• 5:00
  It's
• 5:00
  From
• 5:00
  Proverbs,
• 5:01
  chapter
• 5:01
  21,
• 5:01
  verse
• 5:02
  20.
• 5:03
  The
• 5:03
  wise
• 5:03
  store
• 5:04
  up
• 5:04
  food
• 5:04
  and
• 5:05
  olive
• 5:05
  oil,
• 5:05
  but
• 5:06
  fools
• 5:06
  gulp
• 5:06
  theirs
• 5:07
  down.
• 5:07
  So
• 5:08
  what's
• 5:08
  your
• 5:08
  moral
• 5:08
  of
• 5:08
  the
• 5:08
  story
• 5:09
  today?
• 5:09
  Don't
• 5:09
  be
• 5:09
  a
• 5:10
  fool,
• 5:11
  be
• 5:11
  wise.
• 5:12
  Choose
• 5:12
  up
• 5:13
  budget
• 5:13
  things.
• 5:14
  That's
• 5:14
  the
• 5:14
  key
• 5:15
  to
• 5:15
  this.
• 5:15
  It's
• 5:16
  the
• 5:16
  perfect
• 5:16
  verse
• 5:16
  for
• 5:16
  today.
• 5:17
  Don't
• 5:17
  be
• 5:17
  a
• 5:18
  fool,
• 5:18
  but
• 5:19
  take
• 5:19
  your
• 5:19
  time
• 5:20
  and
• 5:20
  plan.
• 5:21
  Well,
• 5:21
  as
• 5:21
  we
• 5:21
  talk
• 5:21
  about
• 5:21
  that,
• 5:22
  how
• 5:22
  about
• 5:22
  we
• 5:22
  pray
• 5:22
  together?
• 5:23
  Father,
• 5:24
  we
• 5:24
  come
• 5:24
  to
• 5:24
  you
• 5:24
  right
• 5:24
  now
• 5:25
  and
• 5:25
  we
• 5:25
  ask
• 5:25
  for
• 5:26
  wisdom
• 5:27
  to
• 5:27
  help
• 5:27
  us
• 5:27
  plan
• 5:27
  joyfully.
• 5:28
  Lord,
• 5:28
  help
• 5:28
  us
• 5:29
  not
• 5:29
  to
• 5:29
  be
• 5:29
  fools.
• 5:29
  And
• 5:29
  I
• 5:29
  know
• 5:30
  that
• 5:30
  sounds
• 5:30
  kind
• 5:30
  of
• 5:30
  harsh,
• 5:31
  but
• 5:31
  we
• 5:31
  also
• 5:31
  don't
• 5:32
  want
• 5:32
  to
• 5:32
  live
• 5:32
  in
• 5:32
  fear.
• 5:32
  We
• 5:32
  want
• 5:33
  to
• 5:33
  have
• 5:33
  a
• 5:33
  joyful
• 5:33
  holiday.
• 5:34
  And
• 5:34
  we're
• 5:35
  so
• 5:35
  grateful
• 5:35
  that
• 5:35
  you
• 5:36
  give
• 5:36
  us
• 5:36
  the
• 5:36
  opportunity
• 5:37
  to
• 5:37
  prepare
• 5:37
  for
• 5:37
  these
• 5:37
  things
• 5:38
  and
• 5:38
  you
• 5:38
  give
• 5:38
  us
• 5:38
  the
• 5:39
  holiday
• 5:39
  in
• 5:39
  the
• 5:39
  first
• 5:40
  place.
• 5:40
  So
• 5:40
  Lord,
• 5:40
  help
• 5:41
  us
• 5:41
  to
• 5:41
  have
• 5:41
  a
• 5:41
  heart
• 5:42
  that
• 5:42
  values
• 5:42
  presence
• 5:43
  over
• 5:44
  presence.
• 5:44
  Yeah,
• 5:44
  that's
• 5:45
  another
• 5:45
  tongue
• 5:45
  twister,
• 5:46
  isn't
• 5:46
  it?
• 5:46
  But
• 5:46
  we
• 5:47
  want
• 5:47
  to
• 5:47
  value
• 5:47
  people's
• 5:48
  presence,
• 5:48
  our
• 5:49
  family
• 5:49
  members,
• 5:49
  our
• 5:50
  loved
• 5:50
  ones,
• 5:50
  Lord,
• 5:51
  greater
• 5:51
  than
• 5:51
  the
• 5:52
  presence
• 5:52
  that
• 5:52
  are
• 5:52
  under
• 5:53
  the
• 5:53
  tree.
• 5:53
  And
• 5:53
  we
• 5:53
  ask
• 5:53
  this
• 5:54
  in
• 5:54
  the
• 5:54
  precious
• 5:55
  name
• 5:55
  of
• 5:55
  Jesus.
• 5:56
  Amen.
• 5:57
  All
• 5:57
  right,
• 5:57
  so
• 5:57
  you
• 5:57
  ready
• 5:58
  for
• 5:58
  your
• 5:58
  one
• 5:58
  action
• 5:58
  item
• 5:58
  for
• 5:59
  today?
• 5:59
  Here
• 5:59
  we
• 5:59
  go.
• 6:00
  It's
• 6:00
  going
• 6:00
  to
• 6:00
  be
• 6:00
  to
• 6:01
  open
• 6:01
  or
• 6:02
  label
• 6:02
  that
• 6:02
  holiday
• 6:03
  Fun,
• 6:03
  fun.
• 6:03
  Do
• 6:04
  that
• 6:04
  today
• 6:04
  and
• 6:04
  put
• 6:05
  $20
• 6:05
  aside
• 6:06
  or
• 6:06
  whatever
• 6:06
  that
• 6:06
  looks
• 6:06
  like
• 6:07
  for
• 6:07
  you.
• 6:07
  Plan
• 6:07
  that
• 6:08
  out.
• 6:08
  That
• 6:08
  can
• 6:08
  be
• 6:09
  a
• 6:09
  seed
• 6:09
  that
• 6:09
  will
• 6:09
  grow
• 6:09
  a
• 6:10
  beautiful
• 6:10
  joyous
• 6:11
  garden
• 6:11
  and
• 6:12
  a
• 6:12
  stress
• 6:12
  free
• 6:12
  time
• 6:13
  for
• 6:13
  the
• 6:13
  holidays.
• 6:14
  And
• 6:14
  I
• 6:14
  just
• 6:15
  want
• 6:15
  to
• 6:15
  encourage
• 6:15
  you
• 6:15
  right
• 6:15
  now,
• 6:16
  you
• 6:16
  can
• 6:16
  do
• 6:16
  this.
• 6:17
  Let's
• 6:17
  all
• 6:18
  together
• 6:18
  have
• 6:18
  a
• 6:19
  joyful
• 6:19
  Christmas.
• 6:19
  We've
• 6:20
  got
• 6:20
  time
• 6:20
  to
• 6:20
  prepare.
• 6:20
  Let's
• 6:21
  all
• 6:21
  go
• 6:21
  out
• 6:21
  there
• 6:21
  and
• 6:21
  be
• 6:22
  financially
• 6:23
  confident
• 6:23
  Christians.
• 6:24
  I
• 6:24
  want
• 6:24
  to
• 6:24
  encourage
• 6:24
  you
• 6:24
  to
• 6:24
  do
• 6:25
  that.
• 6:25
  Stay
• 6:25
  financially
• 6:26
  savvy.
• 6:26
  God
• 6:27
  bless
• 6:27
  you.
• 6:27
  I'll
• 6:27
  see
• 6:27
  you
• 6:28
  tomorrow.
• 6:28
  Because
• 6:29
  when
• 6:29
  joy
• 6:29
  is
• 6:29
  playing
• 6:29
  with
• 6:30
  wisdom,
• 6:30
  peace
• 6:31
  always
• 6:31
  follows
• 6:32
  you.
• 6:32
  Have
• 6:32
  a
• 6:32
  great
• 6:33
  day.