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Why Do I Feel Financially Behind at 28 Despite Trying So Hard? · Becoming Financially Confident

• 0:27
  What
• 0:28
  do
• 0:28
  you
• 0:28
  do
• 0:28
  when
• 0:28
  a
• 0:28
  $5
• 0:29
  coffee
• 0:30
  becomes
• 0:30
  the
• 0:30
  moment
• 0:30
  you
• 0:31
  realize
• 0:31
  you're
• 0:31
  overwhelmed
• 0:32
  with
• 0:32
  where
• 0:32
  you
• 0:32
  really
• 0:33
  are?
• 0:34
  In
• 0:34
  today's
• 0:35
  episode,
• 0:35
  we're
• 0:35
  talking
• 0:36
  about
• 0:36
  that
• 0:36
  quiet
• 0:36
  pain
• 0:37
  of
• 0:37
  feeling
• 0:37
  financially
• 0:38
  behind.
• 0:39
  What
• 0:40
  happens
• 0:40
  when
• 0:40
  you're
• 0:40
  sitting
• 0:41
  with
• 0:41
  friends
• 0:41
  and
• 0:41
  you're
• 0:42
  smiling
• 0:42
  through
• 0:42
  the
• 0:43
  conversations?
• 0:44
  You're
• 0:44
  listening
• 0:45
  to
• 0:45
  them
• 0:45
  talk
• 0:45
  about
• 0:45
  trips,
• 0:46
  promotions,
• 0:47
  apartments
• 0:49
  and
• 0:49
  their
• 0:49
  future
• 0:50
  plans.
• 0:51
  And
• 0:52
  internally,
• 0:52
  you're
• 0:52
  still
• 0:52
  wondering
• 0:53
  if
• 0:53
  you
• 0:53
  even
• 0:53
  have
• 0:53
  enough
• 0:53
  money
• 0:54
  to
• 0:54
  eat
• 0:54
  later
• 0:54
  that
• 0:55
  night.
• 0:56
  From
• 0:56
  the
• 0:56
  outside,
• 0:57
  you
• 0:57
  might
• 0:57
  look
• 0:57
  completely
• 0:58
  fine,
• 0:59
  but
• 0:59
  inside,
• 1:00
  you
• 1:00
  feel
• 1:00
  ashamed,
• 1:01
  you
• 1:01
  feel
• 1:01
  exhausted,
• 1:03
  and
• 1:03
  you
• 1:03
  feel
• 1:03
  deeply
• 1:04
  behind
• 1:04
  in
• 1:04
  life.
• 1:06
  And
• 1:06
  what
• 1:06
  hurts
• 1:06
  the
• 1:07
  most
• 1:07
  isn't
• 1:07
  the
• 1:07
  coffee.
• 1:08
  It's
• 1:09
  the
• 1:09
  realization
• 1:10
  that
• 1:10
  survival
• 1:10
  mode
• 1:11
  has
• 1:11
  become
• 1:11
  something
• 1:11
  you're
• 1:12
  hiding
• 1:12
  every
• 1:12
  single
• 1:13
  day.
• 1:14
  So
• 1:15
  how
• 1:15
  do
• 1:15
  you
• 1:15
  hold
• 1:15
  onto
• 1:16
  your
• 1:16
  dignity
• 1:16
  with
• 1:16
  your
• 1:17
  hope
• 1:17
  and
• 1:17
  your
• 1:17
  sense
• 1:18
  of
• 1:18
  self
• 1:19
  when
• 1:19
  it
• 1:19
  feels
• 1:20
  like
• 1:20
  life
• 1:20
  is
• 1:20
  moving
• 1:20
  forward
• 1:21
  for
• 1:21
  everyone
• 1:21
  else
• 1:22
  except
• 1:22
  for
• 1:22
  you?
• 1:24
  That's
• 1:24
  what
• 1:24
  we're
• 1:24
  breaking
• 1:24
  down
• 1:25
  on
• 1:25
  today's
• 1:25
  show.
• 1:34
  Hey,
• 1:35
  friend.
• 1:35
  I'm
• 1:36
  Ralph
• 1:36
  Estep
• 1:37
  Jr.
• 1:37
  And
• 1:37
  this
• 1:37
  is
• 1:38
  Financially
• 1:38
  Confident
• 1:39
  Christian.
• 1:40
  This
• 1:40
  is
• 1:40
  the
• 1:40
  show
• 1:41
  that
• 1:41
  helps
• 1:41
  you
• 1:41
  handle
• 1:42
  money
• 1:42
  with
• 1:42
  wisdom,
• 1:43
  with
• 1:43
  peace,
• 1:44
  and
• 1:44
  with
• 1:45
  purpose.
• 1:46
  Here
• 1:46
  we're
• 1:47
  all
• 1:47
  about
• 1:47
  breaking
• 1:47
  that
• 1:48
  cycle
• 1:48
  of
• 1:48
  financial
• 1:49
  shame
• 1:49
  and.
• 1:50
  And
• 1:50
  replacing
• 1:50
  it
• 1:50
  with
• 1:51
  biblical
• 1:51
  clarity
• 1:52
  and
• 1:52
  practical
• 1:53
  confidence.
• 1:54
  And
• 1:54
  today
• 1:55
  we're
• 1:55
  going
• 1:55
  to
• 1:55
  talk
• 1:55
  about
• 1:55
  something
• 1:56
  deeply
• 1:56
  personal,
• 1:58
  and
• 1:58
  that's
• 1:58
  how
• 1:58
  to
• 1:59
  keep
• 1:59
  your
• 1:59
  dignity
• 1:59
  when
• 1:59
  you
• 2:00
  feel
• 2:00
  financially
• 2:01
  left
• 2:01
  behind.
• 2:01
  We
• 2:01
  got
• 2:02
  a
• 2:02
  voicemail
• 2:02
  question,
• 2:03
  and
• 2:03
  I'm
• 2:03
  going
• 2:04
  to
• 2:04
  play
• 2:04
  that
• 2:04
  right
• 2:04
  now.
• 2:06
  Ralph.
• 2:07
  I'm
• 2:07
  28,
• 2:08
  and
• 2:08
  tonight
• 2:09
  I
• 2:09
  realized
• 2:10
  I
• 2:10
  could
• 2:10
  barely
• 2:10
  afford
• 2:11
  a
• 2:11
  $5
• 2:11
  coffee
• 2:13
  that
• 2:13
  shouldn't
• 2:13
  feel
• 2:14
  devastating.
• 2:14
  Yet
• 2:15
  somehow
• 2:15
  it
• 2:15
  did.
• 2:16
  I
• 2:16
  sat
• 2:17
  with
• 2:17
  friends
• 2:17
  who
• 2:17
  are
• 2:18
  younger
• 2:18
  than
• 2:19
  me,
• 2:19
  listening
• 2:20
  to
• 2:20
  conversations
• 2:21
  about
• 2:21
  apartments,
• 2:22
  trips,
• 2:23
  promotions,
• 2:24
  and
• 2:24
  future
• 2:24
  plans
• 2:25
  while
• 2:26
  quietly
• 2:26
  calculating
• 2:27
  whether
• 2:27
  I
• 2:28
  had
• 2:28
  enough
• 2:28
  money
• 2:28
  to
• 2:29
  eat.
• 2:29
  I
• 2:30
  felt
• 2:30
  ashamed
• 2:30
  the
• 2:31
  entire
• 2:31
  night.
• 2:31
  Not
• 2:32
  because
• 2:32
  I'm
• 2:32
  bitter
• 2:33
  toward
• 2:33
  them,
• 2:34
  but
• 2:34
  because
• 2:34
  I
• 2:34
  feel
• 2:35
  so
• 2:35
  far
• 2:35
  behind
• 2:36
  my
• 2:36
  own
• 2:36
  life.
• 2:37
  What
• 2:37
  broke
• 2:38
  me
• 2:38
  wasn't
• 2:38
  even
• 2:39
  the
• 2:39
  money
• 2:39
  itself.
• 2:40
  It
• 2:40
  was
• 2:40
  the
• 2:40
  pretending.
• 2:42
  Smiling
• 2:42
  through
• 2:42
  conversations
• 2:43
  while
• 2:44
  hiding
• 2:44
  how
• 2:45
  stressed
• 2:45
  and
• 2:46
  fragile
• 2:46
  things
• 2:46
  really
• 2:47
  are.
• 2:48
  Walking
• 2:48
  home
• 2:48
  alone
• 2:49
  because
• 2:49
  I
• 2:49
  couldn't
• 2:50
  afford
• 2:50
  the
• 2:50
  ride,
• 2:51
  wondering
• 2:51
  how
• 2:52
  I
• 2:52
  ended
• 2:52
  up
• 2:52
  here
• 2:53
  when
• 2:53
  I'm
• 2:53
  trying
• 2:53
  so
• 2:54
  hard
• 2:54
  just
• 2:54
  to
• 2:54
  stay
• 2:55
  afloat.
• 2:56
  I
• 2:56
  know
• 2:56
  people
• 2:57
  say
• 2:57
  everyone
• 2:57
  moves
• 2:58
  at
• 2:58
  their
• 2:58
  own
• 2:59
  pace,
• 2:59
  but
• 3:00
  sometimes
• 3:00
  it's
• 3:01
  hard
• 3:01
  not
• 3:01
  to
• 3:01
  feel
• 3:02
  like
• 3:02
  life
• 3:02
  is
• 3:03
  happening
• 3:03
  for
• 3:03
  everyone
• 3:04
  else
• 3:04
  while
• 3:05
  you're
• 3:05
  stuck
• 3:05
  surviving.
• 3:07
  How
• 3:07
  do
• 3:07
  you
• 3:07
  keep
• 3:07
  your
• 3:08
  dignity,
• 3:09
  hope
• 3:09
  and
• 3:09
  sense
• 3:10
  of
• 3:10
  self
• 3:10
  when
• 3:11
  you
• 3:11
  feel
• 3:11
  deeply
• 3:12
  behind
• 3:12
  the
• 3:12
  version
• 3:13
  of
• 3:13
  life
• 3:13
  you
• 3:13
  thought
• 3:13
  you'd
• 3:14
  have
• 3:14
  by
• 3:14
  now.
• 3:16
  What
• 3:16
  a
• 3:16
  great
• 3:16
  question.
• 3:17
  Now,
• 3:17
  I
• 3:18
  can
• 3:18
  tell
• 3:18
  you
• 3:18
  that
• 3:18
  person
• 3:18
  was
• 3:19
  a
• 3:19
  little
• 3:19
  bit
• 3:19
  nervous
• 3:19
  when
• 3:20
  they
• 3:20
  read
• 3:20
  that.
• 3:20
  I
• 3:20
  could
• 3:21
  tell
• 3:21
  they
• 3:21
  read
• 3:21
  that
• 3:21
  question.
• 3:22
  But
• 3:22
  hey,
• 3:22
  we
• 3:22
  encourage
• 3:23
  you
• 3:23
  to
• 3:23
  Send
• 3:23
  in
• 3:23
  your
• 3:24
  voicemails.
• 3:24
  You
• 3:24
  can
• 3:24
  do
• 3:25
  that
• 3:25
  by
• 3:25
  going
• 3:25
  to
• 3:26
  financiallyconfidentchristian.com
• 3:29
  voicemail.
• 3:29
  It's
• 3:29
  okay
• 3:30
  to
• 3:30
  write
• 3:30
  it
• 3:30
  out
• 3:30
  ahead
• 3:30
  of
• 3:31
  time,
• 3:31
  but
• 3:31
  let's
• 3:32
  get
• 3:32
  into
• 3:32
  today's
• 3:32
  show.
• 3:33
  Your
• 3:33
  financial
• 3:34
  situation
• 3:35
  may
• 3:35
  shape
• 3:35
  this
• 3:36
  season.
• 3:36
  We
• 3:37
  got
• 3:37
  to
• 3:37
  think
• 3:37
  about
• 3:37
  seasons
• 3:38
  now.
• 3:39
  But
• 3:39
  it
• 3:39
  doesn't
• 3:40
  define
• 3:40
  your
• 3:40
  worth
• 3:41
  of
• 3:41
  your
• 3:42
  whole
• 3:42
  life.
• 3:43
  But
• 3:43
  that
• 3:44
  sounds
• 3:44
  good.
• 3:44
  Like,
• 3:44
  that
• 3:45
  sounds
• 3:45
  like,
• 3:45
  hey,
• 3:45
  Ralph,
• 3:45
  that
• 3:45
  sounds
• 3:46
  like
• 3:46
  something
• 3:46
  I
• 3:46
  can
• 3:46
  do.
• 3:47
  But
• 3:48
  how
• 3:48
  do
• 3:48
  I
• 3:48
  practically
• 3:49
  change
• 3:49
  this?
• 3:50
  Well,
• 3:51
  the
• 3:51
  first
• 3:51
  thing
• 3:51
  I'm
• 3:51
  going
• 3:51
  to
• 3:51
  encourage
• 3:52
  you
• 3:52
  to
• 3:52
  do
• 3:52
  is
• 3:52
  stop
• 3:53
  measuring
• 3:53
  your
• 3:53
  value
• 3:54
  by
• 3:54
  visible
• 3:55
  milestones.
• 3:56
  You
• 3:56
  listed
• 3:57
  a
• 3:57
  bunch
• 3:57
  of
• 3:58
  visible
• 3:58
  milestones
• 3:59
  in
• 3:59
  that.
• 3:59
  You
• 3:59
  talked
• 4:00
  about
• 4:00
  apartments,
• 4:01
  you
• 4:01
  talked
• 4:01
  about
• 4:01
  promotions,
• 4:02
  you
• 4:02
  talked
• 4:03
  about
• 4:03
  vacations.
• 4:04
  And,
• 4:04
  and
• 4:04
  you
• 4:05
  talked
• 4:05
  about
• 4:05
  this
• 4:05
  polished
• 4:06
  appearance.
• 4:07
  Those
• 4:08
  things
• 4:08
  don't
• 4:08
  tell
• 4:08
  the
• 4:09
  whole
• 4:09
  story
• 4:09
  of
• 4:09
  your
• 4:09
  life.
• 4:11
  And
• 4:11
  they
• 4:11
  don't
• 4:11
  tell
• 4:11
  this
• 4:12
  whole
• 4:12
  story
• 4:12
  about
• 4:12
  the
• 4:13
  people
• 4:13
  that
• 4:13
  are
• 4:13
  around
• 4:14
  you,
• 4:15
  what
• 4:15
  looks
• 4:16
  like
• 4:16
  success.
• 4:16
  From
• 4:16
  the
• 4:17
  outside,
• 4:18
  you
• 4:18
  may
• 4:18
  have
• 4:18
  no
• 4:19
  idea
• 4:19
  what's
• 4:19
  really
• 4:20
  going
• 4:20
  on
• 4:20
  the
• 4:20
  inside.
• 4:21
  You
• 4:21
  don't
• 4:21
  know
• 4:21
  the
• 4:22
  debts
• 4:22
  they
• 4:22
  have.
• 4:23
  You
• 4:23
  don't
• 4:23
  know
• 4:23
  the
• 4:23
  stresses
• 4:24
  they
• 4:24
  have.
• 4:24
  Yeah,
• 4:25
  they
• 4:25
  look
• 4:25
  like
• 4:25
  it's
• 4:25
  the.
• 4:26
  It
• 4:26
  sounds
• 4:26
  like
• 4:26
  the
• 4:26
  highlight
• 4:27
  reel
• 4:27
  from
• 4:27
  what
• 4:27
  happened
• 4:28
  with
• 4:28
  the
• 4:28
  beautiful
• 4:29
  things
• 4:29
  in
• 4:29
  life.
• 4:30
  But
• 4:31
  you
• 4:31
  only
• 4:31
  know
• 4:31
  half
• 4:31
  the
• 4:31
  story
• 4:33
  because
• 4:33
  you're
• 4:33
  living
• 4:33
  in
• 4:34
  this
• 4:34
  comparison
• 4:35
  wheel.
• 4:36
  But
• 4:37
  comparison
• 4:37
  is
• 4:38
  powerful
• 4:38
  because
• 4:39
  it
• 4:39
  makes
• 4:39
  partial
• 4:40
  stories
• 4:40
  feel
• 4:40
  like
• 4:41
  final
• 4:41
  truth.
• 4:41
  But
• 4:42
  that's
• 4:42
  not
• 4:42
  what
• 4:42
  it
• 4:42
  is.
• 4:44
  Those
• 4:44
  visible
• 4:44
  milestones
• 4:45
  are
• 4:45
  not
• 4:46
  the
• 4:46
  same
• 4:46
  thing
• 4:46
  as
• 4:47
  personal
• 4:47
  worth.
• 4:49
  So
• 4:49
  stop
• 4:49
  comparing
• 4:50
  everybody's
• 4:51
  milestones.
• 4:53
  But
• 4:53
  let's
• 4:53
  go
• 4:53
  one
• 4:53
  layer
• 4:54
  deeper.
• 4:55
  Because
• 4:55
  part
• 4:56
  of
• 4:56
  what
• 4:56
  makes
• 4:56
  this
• 4:56
  so
• 4:57
  painful
• 4:57
  isn't
• 4:58
  just
• 4:58
  the
• 4:58
  lack
• 4:58
  of
• 4:59
  money.
• 4:59
  It's
• 4:59
  what
• 5:00
  financial
• 5:00
  strain
• 5:01
  does
• 5:01
  to
• 5:01
  you
• 5:01
  internally,
• 5:02
  which
• 5:02
  is
• 5:02
  what
• 5:02
  you're
• 5:03
  really
• 5:03
  leaning
• 5:04
  into
• 5:04
  today.
• 5:06
  What
• 5:06
  you've
• 5:06
  got
• 5:06
  to
• 5:06
  recognize
• 5:07
  is
• 5:07
  the
• 5:07
  emotional
• 5:08
  toll
• 5:09
  of
• 5:09
  survival
• 5:09
  mode.
• 5:10
  You're
• 5:11
  living
• 5:11
  in
• 5:11
  survival
• 5:12
  mode
• 5:12
  right
• 5:12
  now.
• 5:13
  That
• 5:13
  constant
• 5:14
  calculation,
• 5:14
  you
• 5:15
  said
• 5:15
  it
• 5:15
  yourself,
• 5:16
  Ralph.
• 5:16
  I
• 5:16
  don't
• 5:16
  know
• 5:16
  if
• 5:17
  I
• 5:17
  have
• 5:17
  enough
• 5:17
  money
• 5:17
  to
• 5:17
  pay
• 5:18
  for
• 5:18
  coffee
• 5:18
  today.
• 5:19
  And
• 5:20
  when
• 5:20
  every
• 5:20
  small
• 5:21
  expense
• 5:21
  feels
• 5:22
  loaded,
• 5:23
  every
• 5:23
  time
• 5:23
  you
• 5:24
  make
• 5:24
  a
• 5:24
  decision
• 5:25
  feels
• 5:25
  like
• 5:25
  you
• 5:25
  got
• 5:26
  this
• 5:26
  whole
• 5:27
  thing
• 5:27
  you
• 5:27
  got
• 5:27
  to
• 5:27
  deal
• 5:27
  with,
• 5:28
  your
• 5:28
  nervous
• 5:28
  system
• 5:29
  stays
• 5:29
  on
• 5:30
  alert
• 5:30
  all
• 5:30
  the
• 5:30
  time.
• 5:32
  The
• 5:32
  stress
• 5:33
  shoulders
• 5:34
  are
• 5:34
  back.
• 5:35
  And
• 5:36
  that
• 5:36
  financial
• 5:36
  stress
• 5:37
  can
• 5:37
  quietly
• 5:38
  damage
• 5:38
  your
• 5:38
  joy,
• 5:39
  your
• 5:39
  confidence,
• 5:40
  and
• 5:40
  your
• 5:40
  presence.
• 5:43
  And
• 5:44
  if
• 5:44
  you
• 5:44
  don't
• 5:44
  talk
• 5:44
  about
• 5:44
  it
• 5:44
  with
• 5:45
  other
• 5:45
  people,
• 5:46
  that
• 5:46
  shame
• 5:47
  is
• 5:47
  going
• 5:47
  to
• 5:47
  grow
• 5:47
  in
• 5:48
  silence
• 5:49
  when
• 5:50
  you
• 5:50
  have
• 5:50
  to
• 5:50
  look
• 5:50
  okay
• 5:51
  around
• 5:51
  them
• 5:52
  and
• 5:53
  friend,
• 5:53
  you're
• 5:53
  not
• 5:53
  weak
• 5:54
  for
• 5:54
  feeling
• 5:54
  worn
• 5:54
  down.
• 5:56
  So
• 5:56
  many
• 5:57
  of
• 5:57
  us
• 5:57
  are
• 5:57
  caring
• 5:57
  more
• 5:57
  than
• 5:58
  other
• 5:58
  people
• 5:58
  can
• 5:59
  see.
• 5:59
  And
• 5:59
  listen,
• 6:00
  the
• 6:00
  person
• 6:00
  who's
• 6:00
  celebrating
• 6:01
  those
• 6:01
  milestones,
• 6:02
  they're
• 6:02
  carrying
• 6:03
  stuff
• 6:03
  that
• 6:03
  you
• 6:03
  can't
• 6:03
  see.
• 6:04
  Also
• 6:06
  but
• 6:06
  even
• 6:06
  in
• 6:06
  a
• 6:06
  hard
• 6:07
  season.
• 6:07
  And
• 6:07
  listen,
• 6:07
  you're
• 6:08
  living
• 6:08
  in
• 6:08
  a
• 6:08
  hard
• 6:08
  season.
• 6:09
  We
• 6:10
  got
• 6:10
  to
• 6:10
  be
• 6:10
  careful
• 6:10
  not
• 6:10
  to
• 6:11
  let
• 6:11
  the
• 6:11
  struggle
• 6:11
  become
• 6:12
  our
• 6:12
  identity.
• 6:14
  So
• 6:14
  we've
• 6:14
  got
• 6:14
  to
• 6:14
  separate
• 6:15
  your
• 6:15
  current
• 6:15
  season
• 6:16
  from
• 6:16
  your
• 6:16
  identity.
• 6:18
  Struggling
• 6:19
  financially
• 6:20
  is
• 6:20
  something
• 6:20
  you're
• 6:21
  going
• 6:21
  to
• 6:21
  experience.
• 6:23
  I've
• 6:23
  experienced
• 6:24
  it.
• 6:25
  There
• 6:25
  are
• 6:25
  people
• 6:25
  watching
• 6:26
  and
• 6:26
  listening
• 6:26
  to
• 6:27
  this
• 6:27
  right
• 6:27
  now
• 6:27
  who
• 6:27
  are
• 6:27
  experiencing
• 6:28
  those
• 6:29
  things
• 6:29
  as
• 6:29
  well.
• 6:31
  But
• 6:31
  that's
• 6:31
  not
• 6:31
  who
• 6:31
  you
• 6:32
  are.
• 6:33
  You're
• 6:33
  not
• 6:34
  that
• 6:34
  season.
• 6:35
  And
• 6:36
  sure,
• 6:36
  this
• 6:36
  season
• 6:37
  can
• 6:37
  be
• 6:37
  painful,
• 6:39
  but
• 6:39
  it's
• 6:39
  not
• 6:39
  permanent
• 6:40
  because
• 6:40
  it
• 6:40
  feels
• 6:41
  heavy
• 6:41
  right
• 6:41
  now.
• 6:43
  And
• 6:43
  God's
• 6:43
  view
• 6:44
  of
• 6:44
  you
• 6:44
  has
• 6:44
  been
• 6:44
  reduced
• 6:45
  by
• 6:45
  your
• 6:45
  bank
• 6:45
  balance.
• 6:47
  You
• 6:47
  can
• 6:48
  feel
• 6:48
  under
• 6:48
  pressure,
• 6:50
  but
• 6:50
  you're
• 6:50
  no
• 6:51
  less
• 6:51
  valuable
• 6:51
  to
• 6:51
  God.
• 6:53
  And
• 6:53
  once
• 6:53
  you
• 6:53
  stop
• 6:54
  tying
• 6:54
  your
• 6:54
  identity
• 6:55
  to
• 6:55
  the
• 6:55
  struggle,
• 6:56
  you
• 6:56
  can
• 6:57
  think
• 6:57
  more
• 6:57
  clearly
• 6:58
  about
• 6:58
  what
• 6:58
  comes
• 6:58
  next.
• 7:00
  Which
• 7:01
  leads
• 7:01
  me
• 7:01
  to
• 7:01
  this.
• 7:03
  You
• 7:03
  gotta
• 7:03
  focus
• 7:04
  on
• 7:04
  stabilizing
• 7:05
  your
• 7:05
  financial
• 7:05
  life,
• 7:06
  not
• 7:06
  impressing
• 7:06
  other
• 7:07
  people.
• 7:09
  Don't
• 7:09
  build
• 7:09
  your
• 7:10
  decisions
• 7:10
  around
• 7:10
  keeping
• 7:11
  up
• 7:11
  appearances.
• 7:11
  Hey,
• 7:12
  you
• 7:12
  might
• 7:12
  need
• 7:12
  to
• 7:12
  say
• 7:12
  to
• 7:13
  your
• 7:13
  friends,
• 7:14
  I
• 7:14
  can't
• 7:14
  afford
• 7:14
  to
• 7:15
  go
• 7:15
  out
• 7:15
  for
• 7:15
  coffee.
• 7:16
  I
• 7:16
  just
• 7:16
  can't
• 7:17
  do
• 7:17
  it.
• 7:17
  And
• 7:17
  it
• 7:18
  might
• 7:18
  feel
• 7:18
  embarrassing,
• 7:19
  but
• 7:20
  you
• 7:20
  need
• 7:20
  stability
• 7:21
  right
• 7:21
  now.
• 7:22
  Stability
• 7:23
  for
• 7:23
  you
• 7:23
  is
• 7:23
  making
• 7:23
  coffee
• 7:24
  at
• 7:24
  home.
• 7:25
  Stability
• 7:26
  for
• 7:26
  you
• 7:26
  is
• 7:26
  trying
• 7:27
  to
• 7:27
  figure
• 7:27
  out,
• 7:27
  how
• 7:28
  do
• 7:28
  you
• 7:28
  get
• 7:28
  through
• 7:28
  this
• 7:29
  week?
• 7:30
  And
• 7:30
  that
• 7:30
  might
• 7:30
  mean
• 7:31
  simpler
• 7:31
  choices.
• 7:32
  It
• 7:32
  might
• 7:32
  mean
• 7:32
  slower
• 7:33
  progress
• 7:33
  in
• 7:33
  everyone
• 7:34
  around
• 7:34
  you
• 7:35
  and
• 7:35
  quieter
• 7:36
  rebuilding
• 7:36
  on
• 7:37
  your
• 7:37
  own.
• 7:38
  You
• 7:39
  got
• 7:39
  to
• 7:39
  stop
• 7:39
  living
• 7:39
  in
• 7:40
  that
• 7:40
  comparison
• 7:41
  and
• 7:41
  remove
• 7:42
  that.
• 7:42
  Get
• 7:42
  honest
• 7:43
  about
• 7:43
  what's
• 7:43
  going
• 7:44
  on
• 7:44
  in
• 7:44
  your
• 7:44
  life.
• 7:45
  Get
• 7:45
  honest
• 7:45
  about
• 7:46
  your
• 7:46
  food
• 7:46
  costs,
• 7:47
  your
• 7:47
  bills,
• 7:47
  your
• 7:47
  budget,
• 7:48
  your
• 7:48
  income
• 7:49
  support
• 7:50
  and
• 7:50
  margin.
• 7:52
  Peace
• 7:52
  is
• 7:52
  going
• 7:53
  to
• 7:53
  grow
• 7:53
  when
• 7:53
  stewardship
• 7:54
  gets
• 7:54
  honest
• 7:54
  and
• 7:55
  consistent.
• 7:57
  And
• 7:57
  one
• 7:57
  more
• 7:58
  thing
• 7:58
  matters
• 7:58
  here.
• 7:59
  You
• 8:00
  need
• 8:00
  truth,
• 8:00
  but
• 8:00
  you
• 8:01
  also
• 8:01
  need
• 8:01
  grace.
• 8:03
  The
• 8:03
  things
• 8:03
  I
• 8:04
  hear
• 8:04
  you
• 8:04
  saying
• 8:04
  here
• 8:04
  is
• 8:04
  you're
• 8:05
  not
• 8:05
  giving
• 8:05
  yourself
• 8:05
  any
• 8:05
  grace.
• 8:06
  You
• 8:06
  just
• 8:06
  beat
• 8:06
  yourself
• 8:07
  up
• 8:07
  constantly.
• 8:09
  You
• 8:09
  got
• 8:09
  to
• 8:09
  allow
• 8:09
  yourself
• 8:10
  to
• 8:10
  receive
• 8:11
  compassion,
• 8:11
  too.
• 8:13
  Just
• 8:13
  think
• 8:13
  about
• 8:13
  this.
• 8:14
  If
• 8:14
  someone
• 8:14
  else
• 8:14
  told
• 8:15
  your
• 8:15
  story,
• 8:16
  if
• 8:17
  you
• 8:17
  heard
• 8:17
  this
• 8:17
  from
• 8:17
  a
• 8:17
  third
• 8:18
  party,
• 8:18
  like,
• 8:19
  this
• 8:19
  is
• 8:19
  the
• 8:19
  way
• 8:19
  I'm
• 8:19
  hearing
• 8:19
  it
• 8:19
  right
• 8:20
  now,
• 8:20
  actually.
• 8:21
  You
• 8:21
  start
• 8:22
  thinking
• 8:22
  with
• 8:22
  tenderness,
• 8:22
  wouldn't
• 8:23
  you
• 8:24
  just
• 8:24
  think,
• 8:25
  oh,
• 8:25
  that
• 8:25
  person's
• 8:25
  really
• 8:25
  struggling.
• 8:27
  So
• 8:28
  you
• 8:28
  can't
• 8:28
  become
• 8:28
  cruel
• 8:28
  to
• 8:29
  yourself
• 8:29
  in
• 8:29
  a
• 8:29
  season
• 8:30
  that's
• 8:30
  already
• 8:30
  painful.
• 8:31
  We
• 8:31
  do
• 8:31
  this.
• 8:31
  This
• 8:32
  is
• 8:32
  the
• 8:32
  thing.
• 8:32
  We
• 8:32
  beat
• 8:32
  ourselves
• 8:33
  up.
• 8:35
  We
• 8:35
  make
• 8:35
  ourselves
• 8:36
  crazy
• 8:36
  about
• 8:36
  it
• 8:36
  because
• 8:37
  we
• 8:37
  beat
• 8:37
  ourselves
• 8:38
  up.
• 8:38
  Grace
• 8:39
  doesn't
• 8:39
  remove
• 8:39
  responsibility.
• 8:40
  You're
• 8:40
  still
• 8:41
  responsible
• 8:41
  for
• 8:41
  your
• 8:41
  actions.
• 8:42
  But,
• 8:42
  dude,
• 8:42
  give
• 8:43
  yourself
• 8:43
  from
• 8:44
  grace.
• 8:46
  That
• 8:46
  grace
• 8:46
  is
• 8:46
  going
• 8:46
  to
• 8:47
  give
• 8:47
  you
• 8:47
  strength
• 8:47
  to
• 8:47
  face
• 8:48
  reality
• 8:48
  without
• 8:48
  collapsing
• 8:49
  under
• 8:49
  shame.
• 8:50
  This
• 8:50
  show
• 8:50
  is
• 8:51
  all
• 8:51
  about
• 8:51
  breaking
• 8:52
  that
• 8:52
  cycle
• 8:52
  of
• 8:52
  shame.
• 8:54
  And
• 8:54
  you
• 8:55
  can
• 8:55
  tell
• 8:55
  the
• 8:55
  truth
• 8:55
  about
• 8:56
  your
• 8:56
  finances
• 8:56
  without
• 8:57
  attacking
• 8:57
  yourself.
• 8:58
  And
• 8:59
  that's
• 8:59
  what
• 8:59
  I
• 8:59
  Hear.
• 8:59
  I
• 8:59
  hate
• 9:00
  to
• 9:00
  be
• 9:00
  negative,
• 9:01
  but
• 9:01
  your
• 9:01
  voicemail
• 9:02
  today
• 9:02
  was
• 9:02
  all
• 9:03
  about
• 9:03
  attacking
• 9:03
  yourself.
• 9:04
  Stop
• 9:04
  doing
• 9:05
  that.
• 9:06
  I
• 9:07
  want
• 9:07
  to
• 9:07
  take
• 9:07
  this
• 9:07
  a
• 9:07
  little
• 9:07
  deeper
• 9:08
  because
• 9:09
  I
• 9:09
  think
• 9:09
  what
• 9:09
  really
• 9:10
  may
• 9:10
  be
• 9:10
  hurting
• 9:10
  you
• 9:10
  isn't
• 9:11
  just
• 9:11
  feeling
• 9:11
  broke.
• 9:13
  It's
• 9:13
  feeling
• 9:13
  invisible.
• 9:15
  I
• 9:15
  think
• 9:15
  that's
• 9:16
  what
• 9:16
  we're
• 9:16
  really
• 9:16
  talking
• 9:16
  about
• 9:16
  here.
• 9:17
  I
• 9:17
  think
• 9:17
  you're
• 9:17
  going
• 9:17
  through
• 9:17
  an
• 9:17
  identity
• 9:18
  crisis.
• 9:20
  You
• 9:20
  feel
• 9:20
  like
• 9:20
  everyone
• 9:21
  else
• 9:21
  is
• 9:21
  moving
• 9:21
  forward
• 9:22
  while
• 9:22
  you're
• 9:22
  quietly
• 9:23
  trying
• 9:23
  to
• 9:23
  survive
• 9:23
  without
• 9:24
  falling
• 9:24
  apart.
• 9:26
  And
• 9:27
  the
• 9:27
  problem
• 9:27
  with
• 9:27
  that
• 9:27
  kind
• 9:27
  of
• 9:28
  comparison,
• 9:28
  it
• 9:29
  can
• 9:29
  distort
• 9:29
  how
• 9:30
  you
• 9:30
  see
• 9:30
  yourself.
• 9:32
  I
• 9:32
  already
• 9:32
  hear
• 9:33
  it
• 9:33
  in
• 9:33
  your
• 9:33
  voice.
• 9:33
  It
• 9:33
  makes
• 9:34
  you
• 9:34
  question
• 9:34
  your
• 9:34
  value.
• 9:35
  It
• 9:35
  makes
• 9:35
  you
• 9:36
  question
• 9:36
  your
• 9:36
  future,
• 9:37
  even
• 9:37
  your
• 9:38
  place
• 9:38
  in
• 9:38
  the
• 9:38
  world.
• 9:40
  But
• 9:41
  that's
• 9:41
  not
• 9:41
  how
• 9:41
  God
• 9:41
  sees
• 9:42
  you.
• 9:43
  Your
• 9:43
  worth
• 9:44
  was
• 9:44
  never
• 9:44
  tied
• 9:45
  to
• 9:45
  how
• 9:45
  impressive
• 9:46
  your
• 9:46
  life
• 9:46
  looks
• 9:46
  to
• 9:46
  other
• 9:47
  people.
• 9:49
  Your
• 9:49
  value
• 9:49
  comes
• 9:50
  from
• 9:50
  the
• 9:50
  fact
• 9:50
  that
• 9:50
  you
• 9:50
  were
• 9:51
  made
• 9:51
  by
• 9:51
  God,
• 9:52
  you
• 9:52
  were
• 9:53
  seen
• 9:53
  by
• 9:53
  him,
• 9:54
  and
• 9:54
  you're
• 9:54
  loved
• 9:54
  by
• 9:55
  Him.
• 9:56
  So
• 9:56
  I
• 9:56
  want
• 9:56
  to
• 9:56
  encourage
• 9:57
  you
• 9:57
  right
• 9:57
  now,
• 9:57
  before
• 9:57
  you
• 9:58
  do
• 9:58
  anything
• 9:58
  else,
• 9:59
  just
• 9:59
  pray
• 9:59
  to
• 9:59
  him
• 9:59
  and
• 10:00
  help
• 10:00
  him
• 10:00
  to
• 10:00
  see
• 10:00
  yourself
• 10:01
  through
• 10:01
  his
• 10:02
  eyes
• 10:03
  instead
• 10:04
  of
• 10:04
  through
• 10:04
  comparison.
• 10:06
  Friend,
• 10:06
  that
• 10:06
  current
• 10:06
  struggle
• 10:07
  you're
• 10:07
  in
• 10:07
  right
• 10:08
  now
• 10:08
  is
• 10:08
  not
• 10:09
  the
• 10:09
  full
• 10:09
  story
• 10:09
  of
• 10:10
  your
• 10:10
  life.
• 10:12
  Well,
• 10:12
  here's
• 10:12
  today's
• 10:13
  win
• 10:13
  for
• 10:13
  the
• 10:13
  show.
• 10:14
  And
• 10:14
  this
• 10:14
  is
• 10:15
  directly
• 10:15
  related
• 10:15
  to
• 10:16
  what
• 10:16
  you
• 10:16
  said.
• 10:16
  I
• 10:16
  want
• 10:16
  you
• 10:16
  to
• 10:17
  write
• 10:17
  down
• 10:17
  three
• 10:17
  things
• 10:18
  you've
• 10:18
  already
• 10:18
  survived
• 10:19
  or
• 10:19
  overcome,
• 10:20
  because
• 10:20
  right
• 10:20
  now
• 10:21
  you're
• 10:21
  making
• 10:21
  a
• 10:21
  laundry
• 10:22
  list
• 10:22
  of
• 10:22
  the
• 10:22
  things
• 10:22
  you're
• 10:23
  struggling
• 10:23
  with.
• 10:23
  But
• 10:23
  I
• 10:24
  would
• 10:24
  be
• 10:24
  willing
• 10:25
  to
• 10:25
  bet
• 10:26
  there
• 10:26
  are
• 10:26
  things
• 10:26
  that
• 10:27
  you've
• 10:27
  survived
• 10:27
  or
• 10:28
  you
• 10:28
  overcome.
• 10:29
  Do
• 10:30
  that
• 10:30
  right
• 10:30
  now.
• 10:30
  Write
• 10:31
  those
• 10:31
  three
• 10:31
  things
• 10:31
  down
• 10:32
  to
• 10:32
  remind
• 10:33
  yourself
• 10:35
  progress
• 10:35
  always
• 10:36
  isn't
• 10:37
  always
• 10:37
  visible
• 10:37
  from
• 10:38
  the
• 10:38
  outside.
• 10:40
  What
• 10:40
  God
• 10:40
  is
• 10:41
  building
• 10:41
  in
• 10:41
  you
• 10:41
  may
• 10:42
  be
• 10:42
  deeper
• 10:42
  than
• 10:42
  what
• 10:43
  other
• 10:43
  people
• 10:43
  can
• 10:43
  currently
• 10:44
  see.
• 10:44
  They
• 10:45
  have
• 10:45
  no
• 10:45
  idea
• 10:45
  what
• 10:46
  you've
• 10:46
  struggled
• 10:46
  with.
• 10:47
  They
• 10:47
  have
• 10:47
  no
• 10:47
  idea
• 10:47
  what
• 10:48
  you're
• 10:48
  going
• 10:48
  with.
• 10:48
  But
• 10:48
  you
• 10:49
  need
• 10:49
  to
• 10:49
  reinforce
• 10:49
  that
• 10:50
  to
• 10:50
  yourself.
• 10:51
  So
• 10:51
  write
• 10:52
  those
• 10:52
  things
• 10:52
  down,
• 10:52
  those
• 10:53
  struggles
• 10:53
  you've
• 10:53
  overcome,
• 10:54
  those
• 10:54
  things
• 10:54
  that
• 10:55
  you've
• 10:55
  been
• 10:55
  able
• 10:55
  to
• 10:55
  accomplish
• 10:56
  that
• 10:56
  nobody
• 10:56
  even
• 10:57
  knows
• 10:57
  about.
• 10:58
  Well,
• 10:58
  let's
• 10:59
  get
• 10:59
  into
• 10:59
  today's
• 10:59
  Bible
• 11:00
  verse.
• 11:00
  It
• 11:00
  comes
• 11:00
  from
• 11:00
  the
• 11:01
  book
• 11:01
  of
• 11:01
  Romans,
• 11:01
  and,
• 11:01
  you
• 11:02
  know,
• 11:02
  I
• 11:02
  love
• 11:02
  the
• 11:02
  book
• 11:02
  of
• 11:03
  Romans.
• 11:03
  Romans,
• 11:04
  chapter
• 11:04
  12,
• 11:05
  verse
• 11:05
  2.
• 11:05
  It
• 11:05
  says,
• 11:06
  do
• 11:06
  not
• 11:06
  conform
• 11:07
  to
• 11:07
  the
• 11:07
  pattern
• 11:08
  of
• 11:08
  this
• 11:08
  world,
• 11:09
  but
• 11:09
  be
• 11:10
  transformed
• 11:10
  by
• 11:11
  the
• 11:11
  renewing
• 11:11
  of
• 11:11
  your
• 11:12
  mind.
• 11:13
  And
• 11:14
  I
• 11:14
  just
• 11:14
  love
• 11:14
  this
• 11:14
  one
• 11:14
  today
• 11:16
  because
• 11:16
  comparison
• 11:17
  and
• 11:17
  external
• 11:18
  pressure
• 11:18
  can
• 11:18
  distort
• 11:19
  how
• 11:19
  you
• 11:20
  see
• 11:20
  yourself
• 11:21
  and
• 11:21
  how
• 11:21
  you
• 11:22
  measure
• 11:22
  your
• 11:22
  life.
• 11:24
  We
• 11:24
  got
• 11:24
  to
• 11:24
  stop
• 11:24
  doing
• 11:25
  that.
• 11:25
  We
• 11:26
  got
• 11:26
  to
• 11:26
  stop
• 11:26
  comparing
• 11:27
  ourselves
• 11:27
  to
• 11:27
  everybody
• 11:28
  else
• 11:28
  and
• 11:29
  measure
• 11:29
  it
• 11:29
  the
• 11:29
  way
• 11:29
  God
• 11:30
  would
• 11:30
  measure
• 11:30
  it.
• 11:31
  What
• 11:31
  our
• 11:32
  race
• 11:32
  is,
• 11:32
  what
• 11:33
  he's
• 11:33
  got
• 11:33
  for
• 11:33
  us.
• 11:34
  Let's
• 11:35
  pray
• 11:35
  together.
• 11:36
  Heavenly
• 11:36
  Father,
• 11:37
  I
• 11:37
  lift
• 11:38
  up
• 11:38
  the
• 11:38
  person
• 11:38
  who
• 11:38
  feels
• 11:39
  exhausted
• 11:39
  right
• 11:40
  now,
• 11:40
  the
• 11:41
  person
• 11:41
  who
• 11:41
  feels
• 11:41
  discouraged,
• 11:42
  that
• 11:42
  person
• 11:43
  who
• 11:43
  feels
• 11:43
  left
• 11:43
  behind.
• 11:45
  And
• 11:45
  you
• 11:45
  see
• 11:46
  the
• 11:46
  hidden
• 11:46
  stress
• 11:46
  we
• 11:47
  all
• 11:47
  carry,
• 11:47
  Lord,
• 11:48
  the
• 11:48
  shame
• 11:49
  we're
• 11:49
  battling
• 11:49
  and
• 11:50
  the
• 11:50
  pressure
• 11:50
  we
• 11:50
  feel
• 11:51
  when
• 11:51
  comparing
• 11:52
  our
• 11:52
  lives
• 11:52
  to
• 11:52
  others.
• 11:54
  Lord,
• 11:54
  I
• 11:54
  just
• 11:54
  ask
• 11:55
  right
• 11:55
  now
• 11:55
  that
• 11:55
  you
• 11:55
  would
• 11:55
  bring
• 11:55
  peace
• 11:56
  to
• 11:56
  our
• 11:56
  hearts.
• 11:57
  Help
• 11:57
  us
• 11:57
  to
• 11:57
  separate
• 11:58
  our
• 11:58
  worth
• 11:58
  from
• 11:59
  our
• 11:59
  financial
• 11:59
  situation.
• 12:01
  Give
• 12:01
  us
• 12:01
  strength
• 12:02
  to
• 12:02
  keep
• 12:02
  moving
• 12:02
  forward
• 12:03
  without
• 12:03
  losing
• 12:03
  hope
• 12:03
  in
• 12:04
  the
• 12:04
  process,
• 12:04
  Lord,
• 12:06
  and
• 12:06
  remind
• 12:06
  us
• 12:06
  that
• 12:07
  our
• 12:07
  value
• 12:07
  comes
• 12:07
  from
• 12:08
  you,
• 12:08
  not
• 12:08
  from
• 12:08
  money,
• 12:09
  not
• 12:09
  from
• 12:10
  milestones,
• 12:10
  and
• 12:11
  certainly
• 12:11
  not
• 12:11
  from
• 12:12
  outward
• 12:12
  appearances.
• 12:14
  And
• 12:14
  help
• 12:15
  us
• 12:15
  believe
• 12:15
  that
• 12:15
  this
• 12:16
  season
• 12:17
  is
• 12:17
  not
• 12:17
  the
• 12:18
  end
• 12:18
  of
• 12:18
  our
• 12:18
  story,
• 12:19
  but
• 12:20
  just
• 12:20
  the
• 12:20
  beginning
• 12:20
  of
• 12:20
  what
• 12:21
  you've
• 12:21
  got
• 12:21
  for
• 12:21
  us.
• 12:22
  And
• 12:22
  we
• 12:23
  ask
• 12:23
  this
• 12:23
  in
• 12:23
  Jesus
• 12:24
  name,
• 12:25
  Amen,
• 12:28
  friend.
• 12:28
  Your
• 12:28
  life
• 12:29
  is
• 12:29
  not
• 12:29
  behind,
• 12:31
  it's
• 12:31
  still
• 12:31
  unfolding.
• 12:34
  God's
• 12:34
  got
• 12:34
  great
• 12:34
  things
• 12:35
  going
• 12:35
  to
• 12:35
  happen
• 12:35
  in
• 12:35
  your
• 12:36
  life.
• 12:36
  You
• 12:36
  just
• 12:36
  have
• 12:36
  to
• 12:36
  let
• 12:36
  it
• 12:37
  unfold,
• 12:38
  do
• 12:38
  your
• 12:38
  part,
• 12:38
  be
• 12:39
  wise,
• 12:39
  but
• 12:40
  then
• 12:40
  give
• 12:40
  it
• 12:40
  to
• 12:40
  God.
• 12:42
  And
• 12:42
  if
• 12:42
  you've
• 12:42
  got
• 12:43
  a
• 12:43
  question
• 12:43
  you'd
• 12:43
  like
• 12:43
  me
• 12:44
  to
• 12:44
  answer
• 12:44
  on
• 12:44
  the
• 12:44
  show
• 12:44
  in
• 12:45
  a
• 12:45
  future
• 12:45
  episode,
• 12:45
  I
• 12:46
  want
• 12:46
  to
• 12:46
  encourage
• 12:46
  you
• 12:46
  right
• 12:46
  now
• 12:46
  to
• 12:47
  you
• 12:47
  can
• 12:47
  do
• 12:47
  just
• 12:47
  like
• 12:48
  this
• 12:48
  person
• 12:48
  did.
• 12:49
  Head
• 12:49
  over
• 12:49
  to
• 12:49
  financiallyconfidentchristian.com/voicemail
• 12:53
  we'll
• 12:53
  put
• 12:53
  a
• 12:54
  link
• 12:54
  in
• 12:54
  the
• 12:54
  show
• 12:54
  notes,
• 12:54
  but
• 12:55
  again,
• 12:55
  that's
• 12:55
  financiallyconfidentchristian.com/voicemail
• 13:00
  I
• 13:00
  want
• 13:00
  to
• 13:00
  thank
• 13:00
  you
• 13:00
  so
• 13:01
  much
• 13:01
  for
• 13:01
  joining
• 13:01
  me
• 13:02
  today.
• 13:02
  And
• 13:02
  remember,
• 13:02
  this
• 13:04
  financial
• 13:04
  confidence
• 13:05
  begins
• 13:05
  with
• 13:06
  faithful
• 13:06
  stewardship.
• 13:08
  So
• 13:08
  stay
• 13:08
  financially
• 13:09
  savvy.
• 13:09
  May
• 13:10
  God
• 13:10
  bless
• 13:10
  you
• 13:11
  and
• 13:11
  you
• 13:11
  have
• 13:12
  a
• 13:12
  great
• 13:12
  day
• 13:12
  today.