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How Do I Maintain My Financial Life When I'm Tired and Distracted? · Becoming Financially Confident

• 0:37
  Do
• 0:37
  you
• 0:37
  ever
• 0:37
  feel
• 0:38
  like
• 0:38
  you're
• 0:38
  starting
• 0:38
  over
• 0:39
  with
• 0:39
  your
• 0:39
  money?
• 0:40
  You've
• 0:40
  got
• 0:41
  those
• 0:41
  good
• 0:41
  intentions,
• 0:42
  that
• 0:42
  fresh
• 0:42
  plan,
• 0:43
  and
• 0:43
  then
• 0:43
  life
• 0:44
  gets
• 0:44
  busy
• 0:45
  and
• 0:46
  somehow
• 0:46
  you
• 0:46
  drift
• 0:47
  right
• 0:47
  back
• 0:47
  to
• 0:47
  where
• 0:47
  you
• 0:48
  were
• 0:48
  before.
• 0:50
  Friend,
• 0:50
  if
• 0:50
  you're
• 0:51
  tired
• 0:51
  of
• 0:51
  the
• 0:51
  cycle
• 0:52
  of
• 0:52
  starting
• 0:52
  and
• 0:52
  stopping,
• 0:53
  today
• 0:54
  we're
• 0:54
  going
• 0:54
  to
• 0:54
  build
• 0:54
  something
• 0:55
  that
• 0:55
  actually
• 0:56
  sticks.
• 1:17
  Hey,
• 1:17
  friend.
• 1:17
  Ralph
• 1:18
  Estep
• 1:18
  Jr.
• 1:18
  Here.
• 1:19
  Welcome
• 1:19
  to
• 1:20
  Financially
• 1:20
  Confident
• 1:21
  Christian
• 1:21
  where
• 1:22
  we're
• 1:22
  breaking
• 1:22
  that
• 1:23
  cycle
• 1:23
  of
• 1:23
  financial
• 1:24
  shame
• 1:24
  and
• 1:25
  finding
• 1:25
  confidence.
• 1:27
  And
• 1:27
  today
• 1:27
  I
• 1:28
  want
• 1:28
  to
• 1:28
  talk
• 1:28
  about
• 1:28
  how
• 1:28
  to
• 1:29
  build
• 1:29
  financial
• 1:29
  consistency
• 1:31
  when
• 1:31
  you
• 1:31
  feel
• 1:31
  tired
• 1:32
  and
• 1:32
  you
• 1:32
  feel
• 1:33
  distracted.
• 1:35
  I
• 1:35
  don't
• 1:35
  know
• 1:35
  about
• 1:35
  you,
• 1:35
  but
• 1:35
  that
• 1:36
  sounds
• 1:36
  like
• 1:36
  every
• 1:36
  day
• 1:36
  in
• 1:37
  my
• 1:37
  life.
• 1:37
  Well,
• 1:37
  let's
• 1:37
  get
• 1:37
  right
• 1:38
  to
• 1:38
  our
• 1:38
  listener
• 1:39
  question
• 1:39
  today.
• 1:39
  Listener
• 1:40
  writes
• 1:40
  this
• 1:40
  RALPH
• 1:41
  I
• 1:41
  keep
• 1:41
  telling
• 1:42
  myself
• 1:42
  I'll
• 1:42
  get
• 1:43
  serious
• 1:43
  about
• 1:43
  my
• 1:43
  money
• 1:44
  and
• 1:45
  then
• 1:45
  life
• 1:45
  gets
• 1:45
  busy
• 1:46
  and
• 1:46
  I
• 1:46
  drift
• 1:46
  right
• 1:47
  back
• 1:47
  into
• 1:47
  old
• 1:48
  habits.
• 1:49
  It's
• 1:49
  not
• 1:50
  that
• 1:50
  I
• 1:50
  don't
• 1:50
  care.
• 1:50
  I
• 1:51
  do
• 1:51
  care.
• 1:52
  I'm
• 1:52
  just
• 1:53
  tired,
• 1:53
  distracted
• 1:55
  and
• 1:55
  unsure
• 1:56
  where
• 1:56
  to
• 1:56
  focus.
• 1:57
  Then
• 1:57
  I
• 1:58
  look
• 1:58
  up
• 1:58
  and
• 1:58
  nothing
• 1:58
  has
• 1:59
  really
• 1:59
  changed.
• 2:00
  I
• 2:00
  don't
• 2:01
  want
• 2:01
  another
• 2:01
  cycle
• 2:01
  of
• 2:02
  good
• 2:02
  intentions
• 2:02
  and
• 2:02
  no
• 2:03
  follow
• 2:03
  through.
• 2:04
  How
• 2:05
  do
• 2:05
  I
• 2:05
  finally
• 2:05
  build
• 2:06
  consistency
• 2:06
  with
• 2:07
  my
• 2:07
  finances
• 2:08
  in
• 2:08
  a
• 2:08
  way
• 2:08
  that
• 2:09
  actually
• 2:09
  sticks?
• 2:12
  Friend,
• 2:12
  I'm
• 2:13
  so
• 2:13
  happy
• 2:13
  you
• 2:13
  said
• 2:13
  that
• 2:14
  in
• 2:14
  a
• 2:14
  way
• 2:14
  that
• 2:14
  actually
• 2:15
  sticks
• 2:17
  because
• 2:18
  this
• 2:18
  isn't
• 2:18
  about
• 2:18
  motivation.
• 2:20
  It
• 2:21
  is
• 2:21
  about
• 2:21
  capacity.
• 2:23
  You're
• 2:24
  not
• 2:24
  failing
• 2:25
  and
• 2:25
  I
• 2:25
  don't
• 2:25
  think
• 2:25
  you're
• 2:25
  failing
• 2:25
  at
• 2:26
  all.
• 2:26
  But
• 2:26
  you're
• 2:26
  not
• 2:26
  failing
• 2:26
  because
• 2:27
  you
• 2:27
  don't
• 2:27
  care.
• 2:27
  You're
• 2:27
  just
• 2:28
  tired.
• 2:29
  And
• 2:29
  when
• 2:30
  you're
• 2:30
  tired,
• 2:31
  you
• 2:31
  don't
• 2:31
  need
• 2:31
  a
• 2:31
  bigger
• 2:32
  plan.
• 2:32
  I
• 2:32
  don't
• 2:32
  know
• 2:32
  about
• 2:32
  you,
• 2:33
  but
• 2:33
  when
• 2:33
  I'm
• 2:33
  tired,
• 2:33
  I
• 2:34
  don't
• 2:34
  need
• 2:34
  somebody
• 2:34
  to
• 2:34
  give
• 2:34
  me
• 2:35
  17
• 2:35
  steps.
• 2:35
  I
• 2:36
  need
• 2:36
  one.
• 2:37
  I
• 2:38
  just
• 2:38
  need
• 2:38
  something
• 2:39
  simple.
• 2:40
  So
• 2:40
  let's
• 2:41
  talk
• 2:41
  about
• 2:41
  that
• 2:41
  today
• 2:42
  because
• 2:42
  I
• 2:42
  really
• 2:42
  believe
• 2:43
  that
• 2:43
  consistency
• 2:44
  is
• 2:44
  built
• 2:44
  through
• 2:45
  simple
• 2:45
  systems,
• 2:46
  not
• 2:46
  burst
• 2:47
  of
• 2:47
  motivations.
• 2:48
  But
• 2:49
  how
• 2:49
  do
• 2:49
  we
• 2:49
  get
• 2:49
  there?
• 2:50
  Number
• 2:50
  one
• 2:50
  thing
• 2:50
  I
• 2:50
  want
• 2:50
  to
• 2:51
  encourage
• 2:51
  you
• 2:51
  to
• 2:51
  do,
• 2:52
  shrink
• 2:52
  the
• 2:52
  system.
• 2:54
  Most
• 2:54
  people
• 2:54
  fall
• 2:55
  off
• 2:55
  because
• 2:55
  their
• 2:56
  system
• 2:56
  is
• 2:56
  too
• 2:57
  big.
• 2:59
  They've
• 2:59
  tuned
• 2:59
  into
• 2:59
  these
• 3:00
  gurus,
• 3:01
  but
• 3:01
  all
• 3:01
  these
• 3:02
  ideas
• 3:02
  and
• 3:02
  these
• 3:03
  apps
• 3:03
  and
• 3:03
  these
• 3:03
  plans
• 3:04
  and
• 3:04
  this
• 3:04
  book
• 3:05
  and
• 3:06
  if
• 3:06
  there's
• 3:06
  too
• 3:06
  many
• 3:07
  steps,
• 3:07
  if
• 3:08
  there's
• 3:08
  too
• 3:08
  many
• 3:08
  categories,
• 3:09
  if
• 3:10
  you've
• 3:10
  got
• 3:10
  to
• 3:10
  make
• 3:10
  too
• 3:10
  many
• 3:11
  decisions,
• 3:11
  guess
• 3:11
  what?
• 3:12
  You're
• 3:12
  not
• 3:12
  going
• 3:12
  to
• 3:12
  do
• 3:12
  it.
• 3:13
  You
• 3:14
  got
• 3:14
  to
• 3:14
  start
• 3:14
  by
• 3:14
  shrinking
• 3:15
  that.
• 3:17
  What
• 3:17
  is
• 3:17
  the
• 3:17
  minimum
• 3:18
  you
• 3:18
  need
• 3:18
  to
• 3:18
  stay
• 3:19
  connected
• 3:19
  to
• 3:19
  your
• 3:20
  money?
• 3:21
  I
• 3:21
  guess
• 3:21
  I'm
• 3:22
  going
• 3:22
  to
• 3:22
  embrace
• 3:22
  my
• 3:22
  minimalist
• 3:23
  attitude
• 3:23
  today.
• 3:24
  I'm
• 3:24
  not
• 3:24
  usually
• 3:24
  a
• 3:24
  minimalist,
• 3:25
  but
• 3:25
  this,
• 3:26
  I
• 3:26
  think
• 3:26
  we've
• 3:26
  got
• 3:26
  to
• 3:26
  lean
• 3:27
  into
• 3:27
  this.
• 3:29
  What
• 3:29
  is
• 3:29
  the
• 3:29
  minimum
• 3:30
  that
• 3:30
  I
• 3:30
  need
• 3:30
  to
• 3:31
  do
• 3:31
  today
• 3:31
  to
• 3:32
  stay
• 3:32
  connected
• 3:32
  to
• 3:33
  my
• 3:33
  money?
• 3:34
  Maybe
• 3:35
  it's
• 3:35
  checking
• 3:35
  your
• 3:35
  account.
• 3:37
  Maybe
• 3:37
  it's
• 3:38
  reviewing
• 3:38
  just
• 3:38
  one
• 3:38
  budget
• 3:39
  category.
• 3:39
  Maybe
• 3:39
  it's
• 3:40
  just
• 3:40
  tracking
• 3:40
  one
• 3:40
  number.
• 3:41
  That's
• 3:42
  enough
• 3:42
  to
• 3:42
  get
• 3:42
  started,
• 3:43
  to
• 3:43
  build
• 3:44
  that
• 3:44
  momentum.
• 3:46
  But
• 3:46
  here's
• 3:47
  one
• 3:47
  thing
• 3:47
  I'm
• 3:47
  encouraging
• 3:47
  you
• 3:47
  to
• 3:48
  do.
• 3:48
  Anchor
• 3:49
  it
• 3:49
  in
• 3:49
  something
• 3:50
  you're
• 3:50
  already
• 3:50
  doing.
• 3:52
  I'm
• 3:52
  a
• 3:52
  firm
• 3:52
  believer
• 3:53
  that
• 3:53
  consistency
• 3:54
  comes
• 3:54
  from
• 3:54
  a
• 3:55
  rhythm.
• 3:56
  Don't
• 3:56
  try
• 3:57
  to
• 3:57
  create
• 3:57
  something
• 3:57
  new,
• 3:58
  attach
• 3:58
  it
• 3:58
  to
• 3:59
  something
• 3:59
  existing.
• 4:00
  Maybe
• 4:00
  after
• 4:01
  your
• 4:01
  morning
• 4:01
  break,
• 4:02
  morning
• 4:02
  coffee,
• 4:03
  you're
• 4:03
  going
• 4:03
  to
• 4:03
  go
• 4:03
  check
• 4:03
  your
• 4:04
  bank
• 4:04
  account.
• 4:05
  Maybe
• 4:05
  before
• 4:05
  bed,
• 4:06
  you're
• 4:06
  going
• 4:06
  to
• 4:06
  go
• 4:06
  back
• 4:06
  and
• 4:06
  say,
• 4:07
  okay,
• 4:07
  what
• 4:07
  did
• 4:07
  I
• 4:07
  spend
• 4:07
  today?
• 4:08
  Or
• 4:09
  maybe
• 4:09
  every
• 4:09
  Friday
• 4:10
  afternoon,
• 4:10
  that's
• 4:11
  your
• 4:11
  weekly
• 4:11
  money
• 4:11
  check
• 4:12
  in
• 4:13
  that
• 4:13
  same
• 4:13
  time,
• 4:14
  that
• 4:14
  same
• 4:15
  place.
• 4:16
  Because
• 4:16
  when
• 4:16
  it
• 4:17
  becomes
• 4:17
  a
• 4:17
  routine,
• 4:18
  you
• 4:18
  don't
• 4:18
  have
• 4:18
  to
• 4:19
  rely
• 4:19
  on
• 4:19
  energy.
• 4:20
  And
• 4:20
  guess
• 4:20
  what?
• 4:21
  You're
• 4:21
  going
• 4:21
  to
• 4:22
  get
• 4:22
  tired.
• 4:23
  You're
• 4:24
  going
• 4:24
  to
• 4:24
  have
• 4:24
  fatigue.
• 4:26
  But
• 4:26
  when
• 4:26
  it's
• 4:26
  part
• 4:27
  of
• 4:27
  what
• 4:27
  you're
• 4:27
  doing,
• 4:28
  you
• 4:28
  just
• 4:29
  go
• 4:29
  right
• 4:29
  to
• 4:29
  it.
• 4:30
  But
• 4:30
  you've
• 4:31
  also
• 4:31
  got
• 4:31
  to
• 4:31
  reduce
• 4:31
  that
• 4:32
  decision
• 4:32
  fatigue.
• 4:34
  Every
• 4:34
  extra
• 4:35
  decision
• 4:35
  is
• 4:36
  a
• 4:36
  chance
• 4:36
  to
• 4:36
  drift.
• 4:38
  If
• 4:38
  you
• 4:38
  build
• 4:38
  a
• 4:39
  lot
• 4:39
  of
• 4:39
  extra
• 4:39
  steps
• 4:40
  in
• 4:40
  this
• 4:40
  thing,
• 4:41
  it
• 4:41
  gives
• 4:41
  you
• 4:41
  more
• 4:41
  of
• 4:42
  a
• 4:42
  reason
• 4:42
  to
• 4:42
  go
• 4:43
  in
• 4:43
  a
• 4:43
  different
• 4:43
  direction.
• 4:43
  So
• 4:44
  simplify
• 4:44
  things.
• 4:45
  I've
• 4:45
  talked
• 4:46
  about
• 4:46
  it
• 4:46
  on
• 4:46
  this
• 4:46
  show
• 4:47
  a
• 4:47
  million
• 4:47
  times.
• 4:48
  Automate
• 4:48
  your
• 4:49
  bills.
• 4:49
  Set
• 4:50
  those
• 4:50
  up
• 4:50
  for
• 4:50
  automatic
• 4:51
  payment.
• 4:51
  So
• 4:52
  set
• 4:52
  it
• 4:52
  and
• 4:52
  forget
• 4:52
  it.
• 4:53
  Use
• 4:53
  fewer
• 4:54
  categories.
• 4:54
  You
• 4:55
  don't
• 4:55
  need
• 4:55
  a
• 4:55
  budget
• 4:55
  with
• 4:56
  100
• 4:56
  items.
• 4:57
  Honestly,
• 4:58
  I've
• 4:58
  talked
• 4:58
  about
• 4:58
  this
• 4:58
  before.
• 4:59
  You
• 4:59
  can
• 4:59
  have
• 4:59
  a
• 4:59
  budget
• 5:00
  with
• 5:00
  five
• 5:00
  categories.
• 5:02
  Pre
• 5:02
  decide
• 5:02
  those
• 5:03
  spending
• 5:03
  limits,
• 5:04
  remove
• 5:04
  those
• 5:05
  unnecessary
• 5:06
  choices.
• 5:07
  Because
• 5:07
  when
• 5:08
  you're
• 5:08
  tired,
• 5:08
  when
• 5:09
  you're
• 5:09
  worn
• 5:09
  out,
• 5:10
  the
• 5:10
  fewer
• 5:11
  decisions
• 5:11
  you
• 5:11
  have
• 5:12
  to
• 5:12
  make,
• 5:12
  the
• 5:13
  more
• 5:13
  consistent
• 5:13
  you're
• 5:14
  going
• 5:14
  to
• 5:14
  be.
• 5:16
  But
• 5:16
  then
• 5:16
  focus
• 5:16
  on
• 5:17
  one
• 5:17
  habit.
• 5:17
  It's
• 5:18
  so
• 5:18
  easy
• 5:18
  to
• 5:18
  try
• 5:18
  to
• 5:19
  focus
• 5:19
  on
• 5:19
  everything.
• 5:21
  You
• 5:21
  don't
• 5:21
  have
• 5:21
  to
• 5:21
  fix
• 5:22
  everything.
• 5:22
  You
• 5:23
  just
• 5:23
  need
• 5:24
  one
• 5:24
  consistent
• 5:25
  habit.
• 5:25
  Just
• 5:25
  one.
• 5:26
  I'm
• 5:26
  going
• 5:26
  to
• 5:26
  give
• 5:26
  you
• 5:26
  a
• 5:26
  couple
• 5:27
  ideas.
• 5:28
  How
• 5:28
  about
• 5:28
  this
• 5:28
  one?
• 5:28
  I
• 5:29
  love
• 5:29
  the
• 5:29
  Sunday
• 5:29
  10
• 5:30
  minute
• 5:30
  check
• 5:30
  in.
• 5:31
  Don't
• 5:32
  try
• 5:32
  to
• 5:32
  rebuild
• 5:33
  your
• 5:33
  whole
• 5:33
  financial
• 5:33
  life
• 5:34
  this
• 5:34
  week.
• 5:34
  Just
• 5:35
  pick
• 5:35
  one
• 5:35
  habit.
• 5:37
  Maybe
• 5:37
  it's
• 5:37
  this.
• 5:38
  Every
• 5:38
  Sunday
• 5:38
  night,
• 5:38
  you
• 5:39
  sit
• 5:39
  down
• 5:39
  for
• 5:39
  10
• 5:39
  minutes.
• 5:40
  Just
• 5:41
  10
• 5:41
  minutes.
• 5:41
  Do
• 5:41
  you
• 5:41
  have
• 5:41
  10
• 5:42
  minutes?
• 5:42
  I
• 5:42
  think
• 5:42
  you
• 5:42
  can
• 5:42
  find
• 5:43
  10
• 5:43
  minutes.
• 5:43
  Look
• 5:44
  at
• 5:44
  your
• 5:44
  bank
• 5:44
  account,
• 5:45
  look
• 5:45
  at
• 5:45
  what
• 5:46
  came
• 5:46
  in
• 5:46
  and
• 5:47
  look
• 5:47
  at
• 5:47
  what
• 5:47
  went
• 5:47
  out.
• 5:48
  That's
• 5:48
  it.
• 5:49
  You
• 5:49
  don't
• 5:50
  need
• 5:50
  to
• 5:50
  fix
• 5:50
  anything.
• 5:50
  Just
• 5:51
  be
• 5:51
  aware
• 5:51
  of
• 5:51
  what's
• 5:52
  going
• 5:52
  on.
• 5:53
  Here's
• 5:53
  another
• 5:54
  great
• 5:54
  one.
• 5:55
  Before
• 5:55
  you
• 5:55
  spend
• 5:56
  anything
• 5:56
  extra,
• 5:57
  just
• 5:58
  check
• 5:58
  your
• 5:58
  balance
• 5:59
  first.
• 6:00
  I'm
• 6:00
  not
• 6:00
  telling
• 6:00
  you
• 6:00
  to
• 6:01
  go
• 6:01
  to
• 6:01
  some
• 6:01
  spreadsheet
• 6:02
  or
• 6:02
  go
• 6:02
  look
• 6:02
  at
• 6:02
  the
• 6:02
  budget
• 6:03
  or
• 6:03
  some
• 6:03
  treatise
• 6:04
  just
• 6:04
  to
• 6:04
  pause,
• 6:05
  look
• 6:06
  and
• 6:06
  say,
• 6:06
  do
• 6:06
  I
• 6:06
  Have
• 6:06
  the
• 6:07
  money
• 6:07
  for
• 6:07
  this,
• 6:09
  then
• 6:09
  decide
• 6:09
  what
• 6:09
  you're
• 6:10
  going
• 6:10
  to
• 6:10
  do.
• 6:12
  And
• 6:12
  maybe
• 6:12
  you
• 6:13
  just
• 6:13
  pick
• 6:13
  one
• 6:13
  area
• 6:14
  for
• 6:14
  category
• 6:15
  awareness.
• 6:16
  Maybe
• 6:16
  you
• 6:16
  don't
• 6:16
  track
• 6:17
  everything.
• 6:17
  Overwhelming
• 6:18
  feeling
• 6:19
  when
• 6:19
  people
• 6:19
  track
• 6:19
  everything.
• 6:20
  But
• 6:20
  maybe
• 6:20
  this
• 6:21
  week
• 6:21
  you
• 6:21
  only
• 6:22
  pay
• 6:22
  attention
• 6:22
  to
• 6:22
  one
• 6:23
  thing.
• 6:23
  I
• 6:23
  talked
• 6:23
  about
• 6:24
  this
• 6:24
  on
• 6:24
  the
• 6:24
  show
• 6:24
  the
• 6:24
  other
• 6:24
  day.
• 6:25
  Maybe
• 6:26
  you're
• 6:26
  spending
• 6:26
  too
• 6:26
  much
• 6:26
  eating
• 6:27
  out.
• 6:27
  That's
• 6:28
  it.
• 6:29
  You
• 6:29
  don't
• 6:29
  have
• 6:29
  to
• 6:29
  check
• 6:29
  your
• 6:30
  whole
• 6:30
  budget.
• 6:30
  Just
• 6:30
  one
• 6:31
  category.
• 6:31
  What
• 6:32
  am
• 6:32
  I
• 6:32
  spending
• 6:32
  on
• 6:32
  eating
• 6:33
  out?
• 6:35
  But
• 6:35
  maybe
• 6:35
  even
• 6:35
  weekly
• 6:36
  feels
• 6:36
  like
• 6:36
  too
• 6:36
  much
• 6:37
  right
• 6:37
  now,
• 6:38
  Ralph.
• 6:38
  If
• 6:38
  I
• 6:38
  wait
• 6:38
  till
• 6:39
  Friday,
• 6:39
  I'm
• 6:39
  going
• 6:39
  to
• 6:39
  eat
• 6:40
  out
• 6:40
  every
• 6:40
  day
• 6:40
  till
• 6:40
  then.
• 6:41
  Start
• 6:41
  smaller
• 6:42
  then
• 6:43
  maybe
• 6:43
  once
• 6:44
  a
• 6:44
  day,
• 6:44
  open
• 6:44
  your
• 6:45
  bank
• 6:45
  App
• 6:45
  and
• 6:46
  take
• 6:46
  30
• 6:46
  seconds
• 6:47
  and
• 6:47
  look
• 6:47
  at
• 6:47
  it,
• 6:48
  but
• 6:48
  then
• 6:49
  close
• 6:49
  it
• 6:49
  out.
• 6:51
  Just
• 6:51
  pick
• 6:51
  one,
• 6:52
  just
• 6:52
  one
• 6:53
  habit,
• 6:53
  stay
• 6:53
  with
• 6:54
  it
• 6:54
  and
• 6:55
  let
• 6:55
  it
• 6:55
  become
• 6:56
  automatic.
• 6:58
  But
• 6:58
  in
• 6:58
  the
• 6:58
  end,
• 6:59
  you've
• 7:00
  got
• 7:00
  to
• 7:00
  give
• 7:00
  yourself
• 7:01
  grace
• 7:01
  and
• 7:02
  keep
• 7:02
  showing
• 7:02
  up.
• 7:04
  Let's
• 7:04
  talk
• 7:04
  about
• 7:04
  the
• 7:05
  part
• 7:05
  that
• 7:05
  matters
• 7:05
  the
• 7:06
  most.
• 7:07
  You're
• 7:08
  going
• 7:08
  to
• 7:08
  have
• 7:08
  off
• 7:09
  days.
• 7:11
  You're
• 7:11
  going
• 7:11
  to
• 7:12
  miss
• 7:12
  those
• 7:12
  check
• 7:12
  ins.
• 7:14
  You're
• 7:14
  going
• 7:14
  to
• 7:14
  get
• 7:15
  distracted.
• 7:17
  That's
• 7:17
  not
• 7:18
  failure,
• 7:19
  that's
• 7:19
  life.
• 7:22
  Consistency
• 7:22
  in
• 7:23
  your
• 7:23
  finances
• 7:24
  isn't
• 7:24
  about
• 7:24
  perfection.
• 7:25
  It's
• 7:25
  about.
• 7:26
  It's
• 7:26
  about
• 7:26
  returning
• 7:27
  over
• 7:27
  and
• 7:28
  over
• 7:29
  again.
• 7:30
  Even
• 7:30
  when
• 7:30
  you
• 7:31
  feel
• 7:31
  like
• 7:31
  you're
• 7:31
  losing
• 7:32
  all
• 7:32
  of
• 7:32
  your
• 7:33
  strength.
• 7:34
  Because
• 7:34
  every
• 7:35
  time
• 7:35
  you
• 7:35
  come
• 7:36
  back,
• 7:36
  you're
• 7:37
  strengthened
• 7:37
  in
• 7:37
  that
• 7:37
  habit.
• 7:40
  Remember,
• 7:40
  consistency
• 7:41
  isn't
• 7:41
  about
• 7:41
  doing
• 7:42
  it
• 7:42
  perfectly.
• 7:44
  It's
• 7:44
  about
• 7:44
  not
• 7:45
  quitting
• 7:45
  in
• 7:45
  the
• 7:45
  process.
• 7:47
  So
• 7:47
  here's
• 7:47
  your
• 7:48
  win
• 7:48
  for
• 7:48
  today.
• 7:48
  I
• 7:49
  want
• 7:49
  you
• 7:49
  to
• 7:49
  choose
• 7:49
  one
• 7:50
  small
• 7:50
  financial
• 7:50
  habit
• 7:51
  and
• 7:52
  assign
• 7:52
  it
• 7:52
  a
• 7:52
  time
• 7:52
  in
• 7:53
  your
• 7:53
  calendar.
• 7:53
  That's
• 7:53
  it.
• 7:54
  Just
• 7:55
  one
• 7:55
  financial
• 7:55
  habit.
• 7:56
  I'm
• 7:56
  going
• 7:56
  to
• 7:56
  do
• 7:57
  this.
• 7:57
  Whether
• 7:57
  that's
• 7:58
  a
• 7:58
  daily
• 7:58
  check
• 7:58
  in
• 7:59
  a
• 7:59
  weekly
• 7:59
  check
• 8:00
  in,
• 8:00
  automating
• 8:01
  some
• 8:01
  bills
• 8:01
  doesn't
• 8:02
  matter.
• 8:03
  But
• 8:03
  choose
• 8:03
  one
• 8:04
  small
• 8:04
  financial
• 8:04
  habit
• 8:05
  and
• 8:05
  assign
• 8:06
  it
• 8:06
  a
• 8:06
  time
• 8:06
  and
• 8:07
  put
• 8:07
  that
• 8:07
  on
• 8:07
  your
• 8:08
  calendar.
• 8:09
  Because
• 8:09
  that
• 8:09
  consistency
• 8:10
  begins
• 8:10
  with
• 8:11
  one
• 8:11
  repeatable
• 8:12
  action.
• 8:12
  Which
• 8:13
  leads
• 8:13
  me
• 8:13
  to
• 8:13
  today's
• 8:14
  Bible
• 8:14
  verse
• 8:15
  comes
• 8:15
  to
• 8:15
  us
• 8:15
  from
• 8:15
  the
• 8:15
  book
• 8:16
  of
• 8:16
  Hebrews,
• 8:16
  chapter
• 8:17
  2,
• 8:17
  verse
• 8:17
  1.
• 8:19
  We
• 8:19
  must
• 8:20
  pay
• 8:20
  the
• 8:21
  most
• 8:21
  careful
• 8:21
  attention
• 8:22
  therefore,
• 8:23
  to
• 8:23
  what
• 8:23
  we
• 8:24
  have
• 8:24
  heard
• 8:25
  so
• 8:25
  that
• 8:25
  we
• 8:25
  do
• 8:26
  not
• 8:26
  drift
• 8:26
  away.
• 8:28
  What
• 8:28
  is
• 8:29
  it
• 8:29
  telling
• 8:29
  us?
• 8:31
  Those
• 8:31
  small
• 8:32
  intentional
• 8:32
  action
• 8:33
  steps
• 8:34
  keep
• 8:34
  us
• 8:34
  from
• 8:35
  drifting.
• 8:36
  And
• 8:36
  that
• 8:37
  consistency
• 8:37
  is
• 8:38
  built
• 8:38
  by
• 8:38
  gently
• 8:39
  returning
• 8:39
  your
• 8:39
  focus
• 8:40
  again
• 8:40
  and
• 8:41
  again.
• 8:42
  You
• 8:43
  want
• 8:43
  to
• 8:43
  win
• 8:43
  with
• 8:43
  your
• 8:44
  finances.
• 8:45
  It's
• 8:45
  all
• 8:45
  about
• 8:46
  consistency.
• 8:47
  Let's
• 8:48
  pray
• 8:48
  together.
• 8:49
  Heavenly
• 8:50
  Father,
• 8:51
  I
• 8:51
  lift
• 8:52
  up
• 8:52
  my
• 8:52
  friend
• 8:52
  who
• 8:52
  feels
• 8:53
  tired
• 8:53
  and
• 8:53
  distracted.
• 8:55
  And
• 8:56
  Lord,
• 8:56
  you
• 8:56
  see
• 8:56
  their
• 8:56
  desire
• 8:57
  to
• 8:57
  do
• 8:57
  better,
• 8:58
  you
• 8:59
  see
• 8:59
  their
• 8:59
  genuine
• 9:00
  effort,
• 9:01
  and
• 9:01
  you
• 9:01
  see
• 9:01
  how
• 9:02
  hard
• 9:02
  it's
• 9:02
  been
• 9:02
  trying
• 9:02
  to
• 9:03
  stay
• 9:03
  consistent.
• 9:05
  So
• 9:05
  right
• 9:05
  now,
• 9:05
  at
• 9:05
  this
• 9:05
  very
• 9:06
  moment,
• 9:06
  Lord,
• 9:06
  I
• 9:06
  ask
• 9:07
  that
• 9:07
  you
• 9:07
  would
• 9:07
  give
• 9:07
  them
• 9:07
  clarity
• 9:08
  to
• 9:08
  simplify
• 9:09
  their
• 9:09
  approach,
• 9:11
  strengthen
• 9:11
  them
• 9:12
  to
• 9:12
  take
• 9:12
  just
• 9:12
  one
• 9:12
  small
• 9:13
  step
• 9:14
  and
• 9:14
  Lord,
• 9:15
  give
• 9:15
  them
• 9:15
  grace
• 9:15
  for
• 9:15
  the
• 9:16
  moments
• 9:16
  they
• 9:16
  fall
• 9:16
  short.
• 9:18
  Help
• 9:19
  us
• 9:19
  all
• 9:19
  to
• 9:19
  build
• 9:20
  steady
• 9:20
  habits
• 9:20
  that
• 9:21
  lead
• 9:21
  to
• 9:21
  lasting
• 9:22
  change
• 9:22
  in
• 9:22
  our
• 9:22
  lives
• 9:22
  and
• 9:23
  remind
• 9:23
  all
• 9:23
  of
• 9:23
  us
• 9:25
  we
• 9:25
  don't
• 9:25
  have
• 9:25
  to
• 9:26
  do
• 9:26
  everything,
• 9:27
  we
• 9:28
  just
• 9:28
  need
• 9:28
  to
• 9:28
  keep
• 9:28
  showing
• 9:29
  up.
• 9:30
  And
• 9:30
  Lord,
• 9:30
  we
• 9:30
  ask
• 9:31
  that
• 9:31
  you
• 9:31
  would
• 9:31
  walk
• 9:31
  through
• 9:32
  and
• 9:32
  walk
• 9:32
  with
• 9:32
  us
• 9:33
  in
• 9:33
  this
• 9:33
  process
• 9:34
  together.
• 9:35
  In
• 9:36
  Jesus
• 9:36
  name.
• 9:38
  Amen
• 9:40
  friend.
• 9:40
  Small,
• 9:41
  consistent
• 9:42
  steps
• 9:42
  will
• 9:42
  take
• 9:42
  you
• 9:42
  further
• 9:43
  than
• 9:43
  perfect
• 9:43
  intentions.
• 9:45
  And
• 9:45
  right
• 9:46
  now
• 9:46
  maybe
• 9:46
  you're
• 9:46
  feeling
• 9:47
  stuck
• 9:47
  in
• 9:47
  this
• 9:47
  start
• 9:47
  and
• 9:48
  stop
• 9:48
  cycle
• 9:48
  just
• 9:48
  like
• 9:49
  today.
• 9:50
  And
• 9:50
  you've
• 9:50
  got
• 9:51
  a
• 9:51
  question
• 9:51
  for
• 9:51
  the
• 9:51
  show.
• 9:51
  I'd
• 9:52
  love
• 9:52
  for
• 9:52
  you
• 9:52
  to
• 9:52
  send
• 9:52
  it
• 9:52
  to
• 9:53
  me.
• 9:53
  You
• 9:53
  can
• 9:54
  reach
• 9:54
  me
• 9:54
  by
• 9:54
  going
• 9:54
  to
• 9:55
  financiallyconfidentchristian.com/question
• 9:58
  as
• 9:59
  you
• 9:59
  can
• 9:59
  see,
• 9:59
  we
• 9:59
  have
• 10:00
  questions
• 10:00
  every
• 10:00
  day
• 10:01
  on
• 10:01
  the
• 10:01
  show
• 10:01
  and
• 10:01
  I
• 10:01
  would
• 10:01
  love
• 10:01
  to
• 10:02
  hear
• 10:02
  your
• 10:02
  question
• 10:02
  so
• 10:03
  I
• 10:03
  can
• 10:03
  help
• 10:03
  you
• 10:04
  out
• 10:04
  individually.
• 10:05
  Let's
• 10:06
  work
• 10:06
  on
• 10:06
  simplifying
• 10:07
  this
• 10:07
  together.
• 10:07
  Again
• 10:08
  go
• 10:08
  to
• 10:08
  financiallyconfidentchristian.Com/Question
• 10:12
  thank
• 10:13
  you
• 10:13
  so
• 10:13
  much
• 10:13
  for
• 10:13
  joining
• 10:14
  me
• 10:14
  today
• 10:14
  as
• 10:15
  I
• 10:15
  always
• 10:15
  encourage
• 10:15
  you
• 10:16
  stay
• 10:16
  financially
• 10:16
  savvy,
• 10:17
  take
• 10:18
  it
• 10:18
  one
• 10:18
  day
• 10:18
  at
• 10:18
  a
• 10:19
  time.
• 10:19
  May
• 10:20
  God
• 10:20
  bless
• 10:20
  you
• 10:20
  and
• 10:21
  you
• 10:21
  have
• 10:21
  a
• 10:21
  truly
• 10:22
  great
• 10:22
  day
• 10:22
  today.